| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3262% | 3,555 |
| Cost of funding earning assets | 0.8434% | 2,431 |
| Net interest margin | 3.4829% | 3,648 |
| Noninterest income to average assets | 0.5313% | 2,496 |
| Noninterest expense to average assets | 1.9758% | 4,645 |
| Loan and lease loss provision to assets | -0.6793% | 5,296 |
| Net operating income to assets | 1.7359% | 677 |
| Return on assets (ROA) | 1.7367% | 706 |
| Pretax return on assets | 2.4384% | 269 |
| Return on Equity (ROE) | 13.7347% | 1,044 |
| Retained earnings to average equity (ytd only) | 13.7347% | 241 |
| Net charge-offs to loans | 0.7623% | 185 |
| Credit loss provision to net charge-offs | -120.0089% | 3,928 |
| Earnings coverage of net charge-offs (x) | 3.1060% | 2,876 |
| Efficiency ratio | 52.8581% | 4,574 |
| Assets per employee ($millions) | 9.0218% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5191% | 4,992 |
| Loan loss allowance to noncurrent loans | 20.5527% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 1.8526% | 530 |
| Noncurrent loans to loans | 2.5255% | 469 |
| Net loans and leases to total assets | 72.9082% | 2,077 |
| Net loans and leases to deposits | 98.0041% | 842 |
| Net loans and leases to core deposits | 106.1773% | 1,235 |
| Total domestic deposits to total assets | 74.3930% | 4,806 |
| Equity capital to assets | 13.4970% | 1,321 |
| Core capital (leverage) ratio | 11.5732% | 2,108 |
| Tier 1 risk-based capital ratio | 14.0517% | 3,294 |
| Total risk-based capital ratio | 14.5433% | 3,592 |
| Memoranda: |
| Average total assets | $13,501,819,670 | 114 |
| Average earning assets | $12,415,473,000 | 111 |
| Average equity | $1,707,211,330 | 117 |
| Average total loans | $10,025,827,000 | 109 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3078% | 3,532 |
| Cost of funding earning assets | 0.8401% | 2,329 |
| Net interest margin | 3.4677% | 3,688 |
| Noninterest income to average assets | 0.4760% | 2,699 |
| Noninterest expense to average assets | 1.9623% | 4,712 |
| Loan and lease loss provision to assets | -1.3026% | 5,358 |
| Net operating income to assets | 2.1309% | 304 |
| Return on assets (ROA) | 2.1315% | 318 |
| Pretax return on assets | 3.0108% | 127 |
| Return on Equity (ROE) | 17.4246% | 452 |
| Retained earnings to average equity (ytd only) | 17.4246% | 166 |
| Net charge-offs to loans | 1.4699% | 83 |
| Credit loss provision to net charge-offs | -118.5968% | 3,568 |
| Earnings coverage of net charge-offs (x) | 1.5548% | 2,582 |
| Efficiency ratio | 53.4136% | 4,587 |
| Assets per employee ($millions) | 8.9517% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5220% | 5,055 |
| Loan loss allowance to noncurrent loans | 22.9889% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 1.6928% | 655 |
| Noncurrent loans to loans | 2.2705% | 615 |
| Net loans and leases to total assets | 74.0943% | 1,784 |
| Net loans and leases to deposits | 99.4506% | 673 |
| Net loans and leases to core deposits | 108.4702% | 1,029 |
| Total domestic deposits to total assets | 74.5037% | 4,893 |
| Equity capital to assets | 12.7638% | 1,589 |
| Core capital (leverage) ratio | 10.9925% | 2,580 |
| Tier 1 risk-based capital ratio | 13.2317% | 3,750 |
| Total risk-based capital ratio | 13.7273% | 4,051 |
| Memoranda: |
| Average total assets | $13,657,770,000 | 113 |
| Average earning assets | $12,579,226,500 | 111 |
| Average equity | $1,670,697,500 | 117 |
| Average total loans | $10,205,386,000 | 109 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1081% | 3,719 |
| Cost of funding earning assets | 0.6752% | 2,242 |
| Net interest margin | 3.4329% | 3,900 |
| Noninterest income to average assets | 0.4231% | 3,288 |
| Noninterest expense to average assets | 2.1621% | 4,423 |
| Loan and lease loss provision to assets | -0.0384% | 5,169 |
| Net operating income to assets | 1.0669% | 2,727 |
| Return on assets (ROA) | 1.0614% | 2,738 |
| Pretax return on assets | 1.4549% | 1,932 |
| Return on Equity (ROE) | 9.3602% | 2,808 |
| Retained earnings to average equity (ytd only) | 9.3602% | 764 |
| Net charge-offs to loans | 0.0060% | 3,487 |
| Credit loss provision to net charge-offs | -866.9421% | 4,716 |
| Earnings coverage of net charge-offs (x) | 321.5074% | 314 |
| Efficiency ratio | 60.2425% | 3,814 |
| Assets per employee ($millions) | 9.0359% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2913% | 2,090 |
| Loan loss allowance to noncurrent loans | 49.6931% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 1.9492% | 499 |
| Noncurrent loans to loans | 2.5986% | 456 |
| Net loans and leases to total assets | 73.9861% | 1,936 |
| Net loans and leases to deposits | 98.3128% | 870 |
| Net loans and leases to core deposits | 105.6369% | 1,294 |
| Total domestic deposits to total assets | 75.2558% | 4,843 |
| Equity capital to assets | 11.7176% | 2,085 |
| Core capital (leverage) ratio | 10.3979% | 3,143 |
| Tier 1 risk-based capital ratio | 12.1906% | 4,300 |
| Total risk-based capital ratio | 13.4407% | 4,181 |
| Memoranda: |
| Average total assets | $13,664,749,000 | 108 |
| Average earning assets | $12,588,046,200 | 107 |
| Average equity | $1,549,577,800 | 119 |
| Average total loans | $10,049,510,800 | 104 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0625% | 3,748 |
| Cost of funding earning assets | 0.6342% | 2,247 |
| Net interest margin | 3.4283% | 3,924 |
| Noninterest income to average assets | 0.4145% | 3,391 |
| Noninterest expense to average assets | 2.1200% | 4,504 |
| Loan and lease loss provision to assets | -0.0815% | 5,335 |
| Net operating income to assets | 1.1211% | 2,571 |
| Return on assets (ROA) | 1.1211% | 2,584 |
| Pretax return on assets | 1.5369% | 1,779 |
| Return on Equity (ROE) | 9.9705% | 2,636 |
| Retained earnings to average equity (ytd only) | 9.9705% | 936 |
| Net charge-offs to loans | 0.0074% | 3,155 |
| Credit loss provision to net charge-offs | -1,502.3466% | 4,706 |
| Earnings coverage of net charge-offs (x) | 268.2394% | 348 |
| Efficiency ratio | 59.2351% | 3,927 |
| Assets per employee ($millions) | 8.8028% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3104% | 2,056 |
| Loan loss allowance to noncurrent loans | 42.3619% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 2.2971% | 411 |
| Noncurrent loans to loans | 3.0933% | 342 |
| Net loans and leases to total assets | 73.2338% | 2,126 |
| Net loans and leases to deposits | 99.4883% | 829 |
| Net loans and leases to core deposits | 106.6995% | 1,255 |
| Total domestic deposits to total assets | 73.6104% | 5,012 |
| Equity capital to assets | 11.6558% | 2,143 |
| Core capital (leverage) ratio | 10.2396% | 3,356 |
| Tier 1 risk-based capital ratio | 12.3139% | 4,311 |
| Total risk-based capital ratio | 13.5641% | 4,203 |
| Memoranda: |
| Average total assets | $13,613,419,500 | 108 |
| Average earning assets | $12,551,783,500 | 107 |
| Average equity | $1,530,661,500 | 115 |
| Average total loans | $9,962,847,250 | 104 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0086% | 3,760 |
| Cost of funding earning assets | 0.5941% | 2,265 |
| Net interest margin | 3.4145% | 3,909 |
| Noninterest income to average assets | 0.4211% | 3,346 |
| Noninterest expense to average assets | 2.1239% | 4,552 |
| Loan and lease loss provision to assets | -0.1194% | 5,441 |
| Net operating income to assets | 1.1098% | 2,549 |
| Return on assets (ROA) | 1.1097% | 2,552 |
| Pretax return on assets | 1.5648% | 1,620 |
| Return on Equity (ROE) | 9.9905% | 2,566 |
| Retained earnings to average equity (ytd only) | 9.9905% | 930 |
| Net charge-offs to loans | 0.0044% | 3,017 |
| Credit loss provision to net charge-offs | -3,706.3636% | 4,724 |
| Earnings coverage of net charge-offs (x) | 448.5182% | 202 |
| Efficiency ratio | 59.4455% | 4,020 |
| Assets per employee ($millions) | 8.8597% | 468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3296% | 2,033 |
| Loan loss allowance to noncurrent loans | 52.1690% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 1.8705% | 599 |
| Noncurrent loans to loans | 2.5486% | 507 |
| Net loans and leases to total assets | 72.3522% | 2,221 |
| Net loans and leases to deposits | 98.0040% | 967 |
| Net loans and leases to core deposits | 104.7094% | 1,337 |
| Total domestic deposits to total assets | 73.8258% | 5,060 |
| Equity capital to assets | 11.4097% | 2,259 |
| Core capital (leverage) ratio | 9.9685% | 3,610 |
| Tier 1 risk-based capital ratio | 12.0902% | 4,449 |
| Total risk-based capital ratio | 13.3407% | 4,318 |
| Memoranda: |
| Average total assets | $13,652,999,670 | 108 |
| Average earning assets | $12,588,560,670 | 107 |
| Average equity | $1,516,579,330 | 114 |
| Average total loans | $9,945,835,000 | 103 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9605% | 3,755 |
| Cost of funding earning assets | 0.5315% | 2,533 |
| Net interest margin | 3.4290% | 3,782 |
| Noninterest income to average assets | 0.3982% | 3,485 |
| Noninterest expense to average assets | 2.0916% | 4,677 |
| Loan and lease loss provision to assets | -0.3378% | 5,569 |
| Net operating income to assets | 1.2822% | 1,708 |
| Return on assets (ROA) | 1.2822% | 1,712 |
| Pretax return on assets | 1.8098% | 893 |
| Return on Equity (ROE) | 11.6996% | 1,685 |
| Retained earnings to average equity (ytd only) | 11.6996% | 739 |
| Net charge-offs to loans | -0.2341% | 5,404 |
| Credit loss provision to net charge-offs | 198.7824% | 1,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6362% | 4,271 |
| Assets per employee ($millions) | 8.9913% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3722% | 1,944 |
| Loan loss allowance to noncurrent loans | 52.6519% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 1.8834% | 634 |
| Noncurrent loans to loans | 2.6061% | 506 |
| Net loans and leases to total assets | 71.2142% | 2,296 |
| Net loans and leases to deposits | 96.3231% | 1,002 |
| Net loans and leases to core deposits | 104.6824% | 1,329 |
| Total domestic deposits to total assets | 73.9326% | 5,161 |
| Equity capital to assets | 11.1821% | 2,401 |
| Core capital (leverage) ratio | 9.6689% | 3,882 |
| Tier 1 risk-based capital ratio | 11.9442% | 4,578 |
| Total risk-based capital ratio | 13.1951% | 4,475 |
| Memoranda: |
| Average total assets | $13,723,948,000 | 108 |
| Average earning assets | $12,668,379,500 | 104 |
| Average equity | $1,504,081,500 | 114 |
| Average total loans | $9,965,097,000 | 103 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4330% | 4,896 |
| Cost of funding earning assets | 0.3979% | 3,276 |
| Net interest margin | 3.0351% | 4,813 |
| Noninterest income to average assets | 0.4392% | 3,381 |
| Noninterest expense to average assets | 4.8166% | 247 |
| Loan and lease loss provision to assets | -0.0072% | 5,301 |
| Net operating income to assets | -2.2391% | 5,643 |
| Return on assets (ROA) | -2.2463% | 5,642 |
| Pretax return on assets | -1.5767% | 5,633 |
| Return on Equity (ROE) | -17.5577% | 5,633 |
| Retained earnings to average equity (ytd only) | -17.5577% | 5,605 |
| Net charge-offs to loans | 0.0703% | 2,449 |
| Credit loss provision to net charge-offs | -14.2857% | 4,595 |
| Earnings coverage of net charge-offs (x) | -31.2857% | 4,113 |
| Efficiency ratio | 148.2222% | 26 |
| Assets per employee ($millions) | 9.1737% | 427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3807% | 1,837 |
| Loan loss allowance to noncurrent loans | 60.8696% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 1.6632% | 785 |
| Noncurrent loans to loans | 2.2682% | 627 |
| Net loans and leases to total assets | 71.9994% | 2,238 |
| Net loans and leases to deposits | 95.0570% | 1,172 |
| Net loans and leases to core deposits | 100.7557% | 1,656 |
| Total domestic deposits to total assets | 75.7434% | 5,007 |
| Equity capital to assets | 10.7423% | 2,903 |
| Core capital (leverage) ratio | 9.2533% | 4,343 |
| Tier 1 risk-based capital ratio | 11.1922% | 5,041 |
| Total risk-based capital ratio | 12.4448% | 4,916 |
| Memoranda: |
| Average total assets | $13,889,400,000 | 102 |
| Average earning assets | $12,816,600,000 | 102 |
| Average equity | $1,777,000,000 | 99 |
| Average total loans | $9,962,600,000 | 99 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3902% | 4,975 |
| Cost of funding earning assets | 0.3848% | 3,337 |
| Net interest margin | 3.0054% | 4,904 |
| Noninterest income to average assets | 0.4512% | 3,323 |
| Noninterest expense to average assets | 2.1311% | 4,666 |
| Loan and lease loss provision to assets | -0.0768% | 5,559 |
| Net operating income to assets | 0.7330% | 3,809 |
| Return on assets (ROA) | 0.7391% | 3,852 |
| Pretax return on assets | 1.1807% | 2,983 |
| Return on Equity (ROE) | 5.5547% | 4,294 |
| Retained earnings to average equity (ytd only) | 5.5547% | 2,503 |
| Net charge-offs to loans | 0.0672% | 2,159 |
| Credit loss provision to net charge-offs | -160.0000% | 4,585 |
| Earnings coverage of net charge-offs (x) | 22.8000% | 1,842 |
| Efficiency ratio | 65.4762% | 3,294 |
| Assets per employee ($millions) | 8.9781% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3886% | 1,946 |
| Loan loss allowance to noncurrent loans | 56.9620% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 1.7700% | 797 |
| Noncurrent loans to loans | 2.4378% | 639 |
| Net loans and leases to total assets | 70.9990% | 2,409 |
| Net loans and leases to deposits | 94.1471% | 1,288 |
| Net loans and leases to core deposits | 99.6155% | 1,735 |
| Total domestic deposits to total assets | 75.4129% | 5,084 |
| Equity capital to assets | 13.9969% | 996 |
| Core capital (leverage) ratio | 12.2361% | 1,549 |
| Tier 1 risk-based capital ratio | 15.2124% | 2,832 |
| Total risk-based capital ratio | 16.4591% | 2,763 |
| Memoranda: |
| Average total assets | $13,889,500,000 | 101 |
| Average earning assets | $12,821,000,000 | 101 |
| Average equity | $1,848,250,000 | 96 |
| Average total loans | $9,918,250,000 | 99 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2920% | 5,118 |
| Cost of funding earning assets | 0.3864% | 3,218 |
| Net interest margin | 2.9056% | 5,089 |
| Noninterest income to average assets | 0.4708% | 3,215 |
| Noninterest expense to average assets | 2.1829% | 4,590 |
| Loan and lease loss provision to assets | -0.1141% | 5,656 |
| Net operating income to assets | 0.6757% | 3,957 |
| Return on assets (ROA) | 0.6848% | 3,980 |
| Pretax return on assets | 1.0986% | 3,185 |
| Return on Equity (ROE) | 5.2335% | 4,379 |
| Retained earnings to average equity (ytd only) | 5.2335% | 2,560 |
| Net charge-offs to loans | 0.1402% | 1,313 |
| Credit loss provision to net charge-offs | -114.2857% | 4,372 |
| Earnings coverage of net charge-offs (x) | 9.7143% | 2,404 |
| Efficiency ratio | 68.3258% | 2,952 |
| Assets per employee ($millions) | 8.9164% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3649% | 2,097 |
| Loan loss allowance to noncurrent loans | 53.6290% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 1.8302% | 747 |
| Noncurrent loans to loans | 2.5452% | 578 |
| Net loans and leases to total assets | 70.3587% | 2,472 |
| Net loans and leases to deposits | 92.5826% | 1,420 |
| Net loans and leases to core deposits | 97.8119% | 1,826 |
| Total domestic deposits to total assets | 75.9956% | 5,094 |
| Equity capital to assets | 13.6164% | 1,107 |
| Core capital (leverage) ratio | 11.8566% | 1,726 |
| Tier 1 risk-based capital ratio | 14.8775% | 2,981 |
| Total risk-based capital ratio | 16.1282% | 2,908 |
| Memoranda: |
| Average total assets | $14,018,333,330 | 102 |
| Average earning assets | $12,940,333,330 | 99 |
| Average equity | $1,834,333,330 | 97 |
| Average total loans | $9,983,666,670 | 97 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2951% | 5,111 |
| Cost of funding earning assets | 0.3966% | 3,022 |
| Net interest margin | 2.8984% | 5,089 |
| Noninterest income to average assets | 0.5071% | 2,930 |
| Noninterest expense to average assets | 2.2539% | 4,521 |
| Loan and lease loss provision to assets | -0.1409% | 5,773 |
| Net operating income to assets | 0.7043% | 3,683 |
| Return on assets (ROA) | 0.7043% | 3,726 |
| Pretax return on assets | 1.0706% | 3,090 |
| Return on Equity (ROE) | 5.4900% | 4,152 |
| Retained earnings to average equity (ytd only) | 5.4900% | 2,604 |
| Net charge-offs to loans | 0.0792% | 1,543 |
| Credit loss provision to net charge-offs | -250.0000% | 4,074 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 1,640 |
| Efficiency ratio | 69.0265% | 3,042 |
| Assets per employee ($millions) | 8.9631% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4189% | 1,999 |
| Loan loss allowance to noncurrent loans | 56.4000% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 1.8125% | 780 |
| Noncurrent loans to loans | 2.5158% | 622 |
| Net loans and leases to total assets | 70.7395% | 2,257 |
| Net loans and leases to deposits | 93.6878% | 1,143 |
| Net loans and leases to core deposits | 98.9495% | 1,582 |
| Total domestic deposits to total assets | 75.5055% | 5,285 |
| Equity capital to assets | 13.2510% | 1,163 |
| Core capital (leverage) ratio | 11.4130% | 2,011 |
| Tier 1 risk-based capital ratio | 14.5244% | 3,181 |
| Total risk-based capital ratio | 15.7725% | 3,119 |
| Memoranda: |
| Average total assets | $14,197,500,000 | 100 |
| Average earning assets | $13,110,500,000 | 96 |
| Average equity | $1,821,500,000 | 96 |
| Average total loans | $10,103,500,000 | 96 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5201% | 4,734 |
| Cost of funding earning assets | 0.6455% | 1,081 |
| Net interest margin | 2.8746% | 5,176 |
| Noninterest income to average assets | 0.4028% | 3,863 |
| Noninterest expense to average assets | 2.2156% | 4,741 |
| Loan and lease loss provision to assets | 0.0069% | 4,221 |
| Net operating income to assets | 0.4956% | 4,648 |
| Return on assets (ROA) | 0.5001% | 4,710 |
| Pretax return on assets | 0.8474% | 4,023 |
| Return on Equity (ROE) | 4.0192% | 4,828 |
| Retained earnings to average equity (ytd only) | 4.0192% | 3,058 |
| Net charge-offs to loans | -0.0905% | 5,561 |
| Credit loss provision to net charge-offs | -11.1111% | 4,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7483% | 2,787 |
| Assets per employee ($millions) | 9.4892% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4411% | 1,911 |
| Loan loss allowance to noncurrent loans | 63.2479% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 1.6292% | 966 |
| Noncurrent loans to loans | 2.2785% | 735 |
| Net loans and leases to total assets | 69.5814% | 2,545 |
| Net loans and leases to deposits | 92.6753% | 1,348 |
| Net loans and leases to core deposits | 97.9296% | 1,768 |
| Total domestic deposits to total assets | 75.0808% | 5,344 |
| Equity capital to assets | 12.4287% | 1,563 |
| Core capital (leverage) ratio | 11.1183% | 2,237 |
| Tier 1 risk-based capital ratio | 13.9870% | 3,469 |
| Total risk-based capital ratio | 15.2363% | 3,380 |
| Memoranda: |
| Average total assets | $14,397,600,000 | 94 |
| Average earning assets | $13,323,400,000 | 93 |
| Average equity | $1,791,400,000 | 89 |
| Average total loans | $9,940,400,000 | 92 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4692% | 4,894 |
| Cost of funding earning assets | 0.6517% | 1,053 |
| Net interest margin | 2.8174% | 5,328 |
| Noninterest income to average assets | 0.3900% | 3,992 |
| Noninterest expense to average assets | 2.1819% | 4,812 |
| Loan and lease loss provision to assets | -0.0464% | 5,712 |
| Net operating income to assets | 0.5047% | 4,683 |
| Return on assets (ROA) | 0.5107% | 4,759 |
| Pretax return on assets | 0.8728% | 4,070 |
| Return on Equity (ROE) | 4.1030% | 4,868 |
| Retained earnings to average equity (ytd only) | 4.1030% | 3,391 |
| Net charge-offs to loans | -0.1082% | 5,601 |
| Credit loss provision to net charge-offs | 62.5000% | 2,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2074% | 2,699 |
| Assets per employee ($millions) | 9.3090% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4453% | 1,994 |
| Loan loss allowance to noncurrent loans | 90.3846% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 1.1159% | 1,818 |
| Noncurrent loans to loans | 1.5990% | 1,348 |
| Net loans and leases to total assets | 67.9073% | 2,814 |
| Net loans and leases to deposits | 85.7946% | 2,284 |
| Net loans and leases to core deposits | 90.8618% | 2,492 |
| Total domestic deposits to total assets | 79.1511% | 4,687 |
| Equity capital to assets | 12.8399% | 1,574 |
| Core capital (leverage) ratio | 10.9974% | 2,450 |
| Tier 1 risk-based capital ratio | 14.3706% | 3,348 |
| Total risk-based capital ratio | 15.6231% | 3,280 |
| Memoranda: |
| Average total assets | $14,360,250,000 | 94 |
| Average earning assets | $13,297,750,000 | 93 |
| Average equity | $1,787,250,000 | 88 |
| Average total loans | $9,858,000,000 | 92 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4268% | 5,026 |
| Cost of funding earning assets | 0.6435% | 1,080 |
| Net interest margin | 2.7833% | 5,453 |
| Noninterest income to average assets | 0.3882% | 3,967 |
| Noninterest expense to average assets | 2.1626% | 4,924 |
| Loan and lease loss provision to assets | -0.0416% | 5,817 |
| Net operating income to assets | 0.5040% | 4,661 |
| Return on assets (ROA) | 0.5129% | 4,739 |
| Pretax return on assets | 0.8595% | 4,085 |
| Return on Equity (ROE) | 4.1643% | 4,852 |
| Retained earnings to average equity (ytd only) | 4.1643% | 3,257 |
| Net charge-offs to loans | -0.1011% | 5,623 |
| Credit loss provision to net charge-offs | 60.0000% | 2,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0280% | 2,819 |
| Assets per employee ($millions) | 9.4501% | 336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4316% | 2,150 |
| Loan loss allowance to noncurrent loans | 83.3333% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 1.2172% | 1,698 |
| Noncurrent loans to loans | 1.7180% | 1,231 |
| Net loans and leases to total assets | 67.8182% | 2,805 |
| Net loans and leases to deposits | 84.4489% | 2,412 |
| Net loans and leases to core deposits | 89.5152% | 2,585 |
| Total domestic deposits to total assets | 80.3068% | 4,475 |
| Equity capital to assets | 12.7137% | 1,653 |
| Core capital (leverage) ratio | 10.8180% | 2,626 |
| Tier 1 risk-based capital ratio | 14.1429% | 3,528 |
| Total risk-based capital ratio | 15.3987% | 3,438 |
| Memoranda: |
| Average total assets | $14,427,333,330 | 95 |
| Average earning assets | $13,365,333,330 | 94 |
| Average equity | $1,777,000,000 | 87 |
| Average total loans | $9,892,000,000 | 90 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4118% | 5,101 |
| Cost of funding earning assets | 0.6527% | 1,038 |
| Net interest margin | 2.7591% | 5,532 |
| Noninterest income to average assets | 0.4128% | 3,731 |
| Noninterest expense to average assets | 2.2292% | 4,833 |
| Loan and lease loss provision to assets | -0.0550% | 5,948 |
| Net operating income to assets | 0.5053% | 4,612 |
| Return on assets (ROA) | 0.5229% | 4,641 |
| Pretax return on assets | 0.8256% | 4,122 |
| Return on Equity (ROE) | 4.3133% | 4,776 |
| Retained earnings to average equity (ytd only) | 4.3133% | 3,325 |
| Net charge-offs to loans | -0.1206% | 5,705 |
| Credit loss provision to net charge-offs | 66.6667% | 1,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1481% | 2,612 |
| Assets per employee ($millions) | 9.4072% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4200% | 2,333 |
| Loan loss allowance to noncurrent loans | 77.2222% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 1.3008% | 1,651 |
| Noncurrent loans to loans | 1.8388% | 1,205 |
| Net loans and leases to total assets | 67.4872% | 2,730 |
| Net loans and leases to deposits | 82.7403% | 2,462 |
| Net loans and leases to core deposits | 87.7034% | 2,591 |
| Total domestic deposits to total assets | 81.5651% | 4,341 |
| Equity capital to assets | 12.4624% | 1,707 |
| Core capital (leverage) ratio | 10.5446% | 2,912 |
| Tier 1 risk-based capital ratio | 13.8756% | 3,771 |
| Total risk-based capital ratio | 15.1243% | 3,708 |
| Memoranda: |
| Average total assets | $14,534,500,000 | 96 |
| Average earning assets | $13,482,500,000 | 93 |
| Average equity | $1,762,000,000 | 88 |
| Average total loans | $9,948,500,000 | 90 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3157% | 5,319 |
| Cost of funding earning assets | 0.6675% | 976 |
| Net interest margin | 2.6482% | 5,709 |
| Noninterest income to average assets | 0.3450% | 4,447 |
| Noninterest expense to average assets | 6.3290% | 166 |
| Loan and lease loss provision to assets | -0.0199% | 5,664 |
| Net operating income to assets | -3.8014% | 6,172 |
| Return on assets (ROA) | -3.7948% | 6,173 |
| Pretax return on assets | -3.5626% | 6,169 |
| Return on Equity (ROE) | -27.2745% | 6,147 |
| Retained earnings to average equity (ytd only) | -27.2745% | 6,137 |
| Net charge-offs to loans | -0.0204% | 5,273 |
| Credit loss provision to net charge-offs | 150.0000% | 1,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9976% | 2,118 |
| Assets per employee ($millions) | 9.3778% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3653% | 2,583 |
| Loan loss allowance to noncurrent loans | 78.4091% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 1.2255% | 1,760 |
| Noncurrent loans to loans | 1.7412% | 1,294 |
| Net loans and leases to total assets | 67.5017% | 2,785 |
| Net loans and leases to deposits | 81.5675% | 2,644 |
| Net loans and leases to core deposits | 86.3652% | 2,770 |
| Total domestic deposits to total assets | 82.7556% | 3,926 |
| Equity capital to assets | 11.7942% | 2,112 |
| Core capital (leverage) ratio | 10.1253% | 3,358 |
| Tier 1 risk-based capital ratio | 13.4219% | 4,046 |
| Total risk-based capital ratio | 14.6719% | 3,986 |
| Memoranda: |
| Average total assets | $15,073,400,000 | 90 |
| Average earning assets | $13,632,000,000 | 91 |
| Average equity | $2,097,200,000 | 76 |
| Average total loans | $9,826,600,000 | 90 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2913% | 5,424 |
| Cost of funding earning assets | 0.6661% | 997 |
| Net interest margin | 2.6252% | 5,809 |
| Noninterest income to average assets | 0.3432% | 4,479 |
| Noninterest expense to average assets | 7.6570% | 123 |
| Loan and lease loss provision to assets | 0.0528% | 3,140 |
| Net operating income to assets | -5.2014% | 6,263 |
| Return on assets (ROA) | -5.1926% | 6,263 |
| Pretax return on assets | -4.9990% | 6,261 |
| Return on Equity (ROE) | -35.9857% | 6,247 |
| Retained earnings to average equity (ytd only) | -35.9857% | 6,237 |
| Net charge-offs to loans | -0.0137% | 5,082 |
| Credit loss provision to net charge-offs | -600.0000% | 5,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1987% | 2,059 |
| Assets per employee ($millions) | 9.4825% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5213% | 2,064 |
| Loan loss allowance to noncurrent loans | 70.8738% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 1.3998% | 1,645 |
| Noncurrent loans to loans | 2.1465% | 1,040 |
| Net loans and leases to total assets | 63.6045% | 3,367 |
| Net loans and leases to deposits | 77.1510% | 3,179 |
| Net loans and leases to core deposits | 81.9617% | 3,255 |
| Total domestic deposits to total assets | 82.4416% | 4,009 |
| Equity capital to assets | 11.7235% | 2,329 |
| Core capital (leverage) ratio | 9.7757% | 3,932 |
| Tier 1 risk-based capital ratio | 13.7234% | 4,007 |
| Total risk-based capital ratio | 14.9718% | 3,943 |
| Memoranda: |
| Average total assets | $15,149,250,000 | 90 |
| Average earning assets | $13,611,250,000 | 91 |
| Average equity | $2,186,000,000 | 73 |
| Average total loans | $9,756,250,000 | 91 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3105% | 5,420 |
| Cost of funding earning assets | 0.6798% | 931 |
| Net interest margin | 2.6307% | 5,843 |
| Noninterest income to average assets | 0.3411% | 4,512 |
| Noninterest expense to average assets | 2.1776% | 5,168 |
| Loan and lease loss provision to assets | 0.0525% | 3,070 |
| Net operating income to assets | 0.2802% | 5,495 |
| Return on assets (ROA) | 0.2886% | 5,562 |
| Pretax return on assets | 0.4591% | 5,333 |
| Return on Equity (ROE) | 1.8852% | 5,705 |
| Retained earnings to average equity (ytd only) | 1.8852% | 4,752 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9216% | 1,928 |
| Assets per employee ($millions) | 9.5751% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4897% | 2,340 |
| Loan loss allowance to noncurrent loans | 61.6379% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 1.5546% | 1,567 |
| Noncurrent loans to loans | 2.4169% | 933 |
| Net loans and leases to total assets | 62.8222% | 3,434 |
| Net loans and leases to deposits | 80.0000% | 2,779 |
| Net loans and leases to core deposits | 85.3430% | 2,841 |
| Total domestic deposits to total assets | 78.5278% | 5,181 |
| Equity capital to assets | 15.5594% | 596 |
| Core capital (leverage) ratio | 9.9924% | 3,614 |
| Tier 1 risk-based capital ratio | 13.5238% | 4,202 |
| Total risk-based capital ratio | 14.7746% | 4,138 |
| Memoranda: |
| Average total assets | $15,246,000,000 | 92 |
| Average earning assets | $13,532,666,670 | 93 |
| Average equity | $2,334,000,000 | 73 |
| Average total loans | $9,809,333,330 | 92 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2025% | 5,646 |
| Cost of funding earning assets | 0.6464% | 1,140 |
| Net interest margin | 2.5561% | 5,967 |
| Noninterest income to average assets | 0.3389% | 4,484 |
| Noninterest expense to average assets | 2.2160% | 5,104 |
| Loan and lease loss provision to assets | 0.0261% | 3,362 |
| Net operating income to assets | 0.2179% | 5,633 |
| Return on assets (ROA) | 0.2346% | 5,692 |
| Pretax return on assets | 0.3911% | 5,447 |
| Return on Equity (ROE) | 1.5451% | 5,793 |
| Retained earnings to average equity (ytd only) | 1.5451% | 4,859 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0000% | 1,616 |
| Assets per employee ($millions) | 9.6472% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4487% | 2,685 |
| Loan loss allowance to noncurrent loans | 53.8462% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 1.6868% | 1,492 |
| Noncurrent loans to loans | 2.6904% | 874 |
| Net loans and leases to total assets | 61.3186% | 3,475 |
| Net loans and leases to deposits | 77.6835% | 2,851 |
| Net loans and leases to core deposits | 82.7454% | 2,891 |
| Total domestic deposits to total assets | 78.9338% | 5,275 |
| Equity capital to assets | 15.0785% | 703 |
| Core capital (leverage) ratio | 9.9379% | 3,681 |
| Tier 1 risk-based capital ratio | 13.2295% | 4,475 |
| Total risk-based capital ratio | 14.4837% | 4,392 |
| Memoranda: |
| Average total assets | $15,343,000,000 | 92 |
| Average earning assets | $13,614,500,000 | 93 |
| Average equity | $2,330,000,000 | 73 |
| Average total loans | $9,914,500,000 | 91 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5090% | 5,294 |
| Cost of funding earning assets | 0.6751% | 1,240 |
| Net interest margin | 2.8339% | 5,759 |
| Noninterest income to average assets | 0.2833% | 5,095 |
| Noninterest expense to average assets | 2.2176% | 5,305 |
| Loan and lease loss provision to assets | 0.0898% | 2,673 |
| Net operating income to assets | 0.2926% | 5,537 |
| Return on assets (ROA) | 0.2971% | 5,595 |
| Pretax return on assets | 0.4767% | 5,306 |
| Return on Equity (ROE) | 1.8777% | 5,796 |
| Retained earnings to average equity (ytd only) | 1.8777% | 4,864 |
| Net charge-offs to loans | 0.0206% | 4,431 |
| Credit loss provision to net charge-offs | 650.0000% | 407 |
| Earnings coverage of net charge-offs (x) | 40.5000% | 1,076 |
| Efficiency ratio | 77.3632% | 2,300 |
| Assets per employee ($millions) | 9.1954% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3674% | 3,101 |
| Loan loss allowance to noncurrent loans | 51.1029% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 1.8081% | 1,444 |
| Noncurrent loans to loans | 2.6758% | 910 |
| Net loans and leases to total assets | 66.1607% | 2,857 |
| Net loans and leases to deposits | 83.9628% | 2,222 |
| Net loans and leases to core deposits | 89.8065% | 2,302 |
| Total domestic deposits to total assets | 78.7977% | 5,292 |
| Equity capital to assets | 15.2963% | 653 |
| Core capital (leverage) ratio | 10.0708% | 3,470 |
| Tier 1 risk-based capital ratio | 12.7454% | 4,892 |
| Total risk-based capital ratio | 13.9946% | 4,798 |
| Memoranda: |
| Average total assets | $14,474,800,000 | 93 |
| Average earning assets | $12,738,600,000 | 94 |
| Average equity | $2,290,000,000 | 70 |
| Average total loans | $9,698,800,000 | 88 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5455% | 5,286 |
| Cost of funding earning assets | 0.6794% | 1,260 |
| Net interest margin | 2.8661% | 5,769 |
| Noninterest income to average assets | 0.3169% | 4,903 |
| Noninterest expense to average assets | 2.1624% | 5,427 |
| Loan and lease loss provision to assets | 0.0466% | 3,456 |
| Net operating income to assets | 0.3449% | 5,446 |
| Return on assets (ROA) | 0.3449% | 5,516 |
| Pretax return on assets | 0.6245% | 4,950 |
| Return on Equity (ROE) | 2.1608% | 5,802 |
| Retained earnings to average equity (ytd only) | 2.1608% | 4,979 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6842% | 2,867 |
| Assets per employee ($millions) | 8.6349% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3770% | 3,279 |
| Loan loss allowance to noncurrent loans | 44.4816% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 2.0597% | 1,375 |
| Noncurrent loans to loans | 3.0956% | 842 |
| Net loans and leases to total assets | 64.9707% | 3,034 |
| Net loans and leases to deposits | 83.3494% | 2,249 |
| Net loans and leases to core deposits | 89.5974% | 2,264 |
| Total domestic deposits to total assets | 77.9498% | 5,547 |
| Equity capital to assets | 15.7277% | 599 |
| Core capital (leverage) ratio | 10.1641% | 3,456 |
| Tier 1 risk-based capital ratio | 13.3138% | 4,667 |
| Total risk-based capital ratio | 14.5596% | 4,605 |
| Memoranda: |
| Average total assets | $14,305,000,000 | 94 |
| Average earning assets | $12,560,250,000 | 94 |
| Average equity | $2,283,000,000 | 69 |
| Average total loans | $9,582,250,000 | 89 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5351% | 5,329 |
| Cost of funding earning assets | 0.6749% | 1,345 |
| Net interest margin | 2.8602% | 5,798 |
| Noninterest income to average assets | 0.3243% | 4,820 |
| Noninterest expense to average assets | 2.1430% | 5,530 |
| Loan and lease loss provision to assets | 0.0423% | 3,472 |
| Net operating income to assets | 0.3575% | 5,381 |
| Return on assets (ROA) | 0.3666% | 5,415 |
| Pretax return on assets | 0.6626% | 4,759 |
| Return on Equity (ROE) | 2.2854% | 5,765 |
| Retained earnings to average equity (ytd only) | 2.2854% | 4,747 |
| Net charge-offs to loans | 0.0209% | 3,794 |
| Credit loss provision to net charge-offs | 300.0000% | 849 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 923 |
| Efficiency ratio | 73.1343% | 3,131 |
| Assets per employee ($millions) | 8.4078% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3800% | 3,454 |
| Loan loss allowance to noncurrent loans | 41.1392% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 2.2362% | 1,349 |
| Noncurrent loans to loans | 3.3546% | 821 |
| Net loans and leases to total assets | 64.9196% | 2,921 |
| Net loans and leases to deposits | 85.9469% | 1,819 |
| Net loans and leases to core deposits | 93.4514% | 1,825 |
| Total domestic deposits to total assets | 75.5346% | 5,964 |
| Equity capital to assets | 16.0377% | 550 |
| Core capital (leverage) ratio | 10.5175% | 2,924 |
| Tier 1 risk-based capital ratio | 13.5583% | 4,548 |
| Total risk-based capital ratio | 14.8086% | 4,483 |
| Memoranda: |
| Average total assets | $14,186,000,000 | 92 |
| Average earning assets | $12,446,666,670 | 93 |
| Average equity | $2,275,333,330 | 68 |
| Average total loans | $9,556,666,670 | 90 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4834% | 5,467 |
| Cost of funding earning assets | 0.6773% | 1,388 |
| Net interest margin | 2.8061% | 5,921 |
| Noninterest income to average assets | 0.3115% | 4,875 |
| Noninterest expense to average assets | 2.1240% | 5,631 |
| Loan and lease loss provision to assets | 0.0566% | 2,981 |
| Net operating income to assets | 0.3682% | 5,240 |
| Return on assets (ROA) | 0.3682% | 5,304 |
| Pretax return on assets | 0.5947% | 4,851 |
| Return on Equity (ROE) | 2.2953% | 5,712 |
| Retained earnings to average equity (ytd only) | 2.2953% | 4,685 |
| Net charge-offs to loans | 0.0416% | 2,801 |
| Credit loss provision to net charge-offs | 200.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,228 |
| Efficiency ratio | 73.4694% | 3,231 |
| Assets per employee ($millions) | 8.1255% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3626% | 3,777 |
| Loan loss allowance to noncurrent loans | 36.9628% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 2.5315% | 1,252 |
| Noncurrent loans to loans | 3.6865% | 765 |
| Net loans and leases to total assets | 66.7763% | 2,436 |
| Net loans and leases to deposits | 88.1609% | 1,342 |
| Net loans and leases to core deposits | 96.3376% | 1,362 |
| Total domestic deposits to total assets | 75.7437% | 6,096 |
| Equity capital to assets | 16.2686% | 491 |
| Core capital (leverage) ratio | 10.4849% | 2,952 |
| Tier 1 risk-based capital ratio | 13.3968% | 4,770 |
| Total risk-based capital ratio | 14.6458% | 4,697 |
| Memoranda: |
| Average total assets | $14,124,000,000 | 91 |
| Average earning assets | $12,401,500,000 | 92 |
| Average equity | $2,265,500,000 | 67 |
| Average total loans | $9,625,000,000 | 86 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7639% | 4,931 |
| Cost of funding earning assets | 0.6760% | 1,991 |
| Net interest margin | 3.0879% | 5,348 |
| Noninterest income to average assets | 0.2183% | 5,774 |
| Noninterest expense to average assets | 2.1397% | 5,746 |
| Loan and lease loss provision to assets | 0.1383% | 2,577 |
| Net operating income to assets | 0.4029% | 5,135 |
| Return on assets (ROA) | 0.4076% | 5,231 |
| Pretax return on assets | 0.6405% | 4,737 |
| Return on Equity (ROE) | 2.4907% | 5,680 |
| Retained earnings to average equity (ytd only) | 2.4907% | 4,485 |
| Net charge-offs to loans | 0.1753% | 3,075 |
| Credit loss provision to net charge-offs | 118.7500% | 2,017 |
| Earnings coverage of net charge-offs (x) | 6.6250% | 3,020 |
| Efficiency ratio | 69.7500% | 3,878 |
| Assets per employee ($millions) | 8.4854% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3084% | 4,101 |
| Loan loss allowance to noncurrent loans | 37.7581% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 2.4117% | 1,438 |
| Noncurrent loans to loans | 3.4652% | 916 |
| Net loans and leases to total assets | 67.6879% | 2,410 |
| Net loans and leases to deposits | 89.9227% | 1,246 |
| Net loans and leases to core deposits | 98.4601% | 1,275 |
| Total domestic deposits to total assets | 75.2734% | 6,164 |
| Equity capital to assets | 15.8160% | 556 |
| Core capital (leverage) ratio | 10.4162% | 3,002 |
| Tier 1 risk-based capital ratio | 12.9723% | 4,988 |
| Total risk-based capital ratio | 14.2227% | 4,944 |
| Memoranda: |
| Average total assets | $13,740,200,000 | 87 |
| Average earning assets | $11,982,400,000 | 91 |
| Average equity | $2,248,400,000 | 66 |
| Average total loans | $9,125,800,000 | 85 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7373% | 5,068 |
| Cost of funding earning assets | 0.6754% | 2,135 |
| Net interest margin | 3.0619% | 5,429 |
| Noninterest income to average assets | 0.2351% | 5,750 |
| Noninterest expense to average assets | 2.1455% | 5,731 |
| Loan and lease loss provision to assets | 0.0784% | 3,492 |
| Net operating income to assets | 0.4052% | 5,228 |
| Return on assets (ROA) | 0.4115% | 5,340 |
| Pretax return on assets | 0.6858% | 4,732 |
| Return on Equity (ROE) | 2.4927% | 5,789 |
| Retained earnings to average equity (ytd only) | 2.4927% | 4,829 |
| Net charge-offs to loans | 0.1785% | 2,797 |
| Credit loss provision to net charge-offs | 66.6667% | 3,140 |
| Earnings coverage of net charge-offs (x) | 6.4167% | 2,978 |
| Efficiency ratio | 70.6081% | 3,656 |
| Assets per employee ($millions) | 8.2130% | 427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2857% | 4,468 |
| Loan loss allowance to noncurrent loans | 39.8026% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 2.2454% | 1,764 |
| Noncurrent loans to loans | 3.2303% | 1,219 |
| Net loans and leases to total assets | 67.2896% | 2,416 |
| Net loans and leases to deposits | 90.0717% | 1,155 |
| Net loans and leases to core deposits | 99.4540% | 1,158 |
| Total domestic deposits to total assets | 74.7066% | 6,304 |
| Equity capital to assets | 16.3045% | 497 |
| Core capital (leverage) ratio | 10.4807% | 3,024 |
| Tier 1 risk-based capital ratio | 13.2726% | 4,920 |
| Total risk-based capital ratio | 14.5178% | 4,869 |
| Memoranda: |
| Average total assets | $13,609,250,000 | 88 |
| Average earning assets | $11,844,250,000 | 92 |
| Average equity | $2,246,500,000 | 67 |
| Average total loans | $8,961,500,000 | 84 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7230% | 5,072 |
| Cost of funding earning assets | 0.6800% | 2,223 |
| Net interest margin | 3.0430% | 5,453 |
| Noninterest income to average assets | 0.2658% | 5,551 |
| Noninterest expense to average assets | 2.2298% | 5,556 |
| Loan and lease loss provision to assets | 0.1329% | 2,660 |
| Net operating income to assets | 0.3396% | 5,450 |
| Return on assets (ROA) | 0.3396% | 5,618 |
| Pretax return on assets | 0.5464% | 5,213 |
| Return on Equity (ROE) | 2.0490% | 5,943 |
| Retained earnings to average equity (ytd only) | 2.0490% | 4,977 |
| Net charge-offs to loans | 0.2497% | 2,232 |
| Credit loss provision to net charge-offs | 81.8182% | 2,593 |
| Earnings coverage of net charge-offs (x) | 4.1818% | 3,197 |
| Efficiency ratio | 73.0964% | 3,289 |
| Assets per employee ($millions) | 8.1005% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3294% | 4,363 |
| Loan loss allowance to noncurrent loans | 42.2680% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 2.1682% | 1,992 |
| Noncurrent loans to loans | 3.1453% | 1,395 |
| Net loans and leases to total assets | 66.6448% | 2,478 |
| Net loans and leases to deposits | 89.4474% | 1,196 |
| Net loans and leases to core deposits | 99.0560% | 1,136 |
| Total domestic deposits to total assets | 74.5072% | 6,401 |
| Equity capital to assets | 16.3309% | 486 |
| Core capital (leverage) ratio | 10.4494% | 2,942 |
| Tier 1 risk-based capital ratio | 13.1531% | 5,034 |
| Total risk-based capital ratio | 14.3958% | 4,976 |
| Memoranda: |
| Average total assets | $13,543,666,670 | 88 |
| Average earning assets | $11,764,666,670 | 92 |
| Average equity | $2,245,000,000 | 66 |
| Average total loans | $8,811,666,670 | 86 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6410% | 5,335 |
| Cost of funding earning assets | 0.6526% | 2,631 |
| Net interest margin | 2.9884% | 5,603 |
| Noninterest income to average assets | 0.3267% | 5,089 |
| Noninterest expense to average assets | 2.3169% | 5,378 |
| Loan and lease loss provision to assets | -0.0891% | 6,830 |
| Net operating income to assets | 0.4158% | 5,069 |
| Return on assets (ROA) | 0.4158% | 5,217 |
| Pretax return on assets | 0.6832% | 4,647 |
| Return on Equity (ROE) | 2.4900% | 5,782 |
| Retained earnings to average equity (ytd only) | 2.4900% | 4,782 |
| Net charge-offs to loans | 0.2328% | 2,046 |
| Credit loss provision to net charge-offs | -60.0000% | 5,079 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,634 |
| Efficiency ratio | 75.5102% | 3,008 |
| Assets per employee ($millions) | 7.9731% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3635% | 4,410 |
| Loan loss allowance to noncurrent loans | 37.1429% | 5,722 |
| Noncurrent assets plus other real estate owned to assets | 2.3733% | 1,960 |
| Noncurrent loans to loans | 3.6709% | 1,290 |
| Net loans and leases to total assets | 62.1896% | 3,026 |
| Net loans and leases to deposits | 83.2989% | 1,668 |
| Net loans and leases to core deposits | 87.3207% | 1,976 |
| Total domestic deposits to total assets | 74.6583% | 6,492 |
| Equity capital to assets | 16.5687% | 485 |
| Core capital (leverage) ratio | 10.5960% | 2,654 |
| Tier 1 risk-based capital ratio | 13.8394% | 4,625 |
| Total risk-based capital ratio | 15.0841% | 4,584 |
| Memoranda: |
| Average total assets | $13,466,500,000 | 90 |
| Average earning assets | $11,645,000,000 | 94 |
| Average equity | $2,249,000,000 | 65 |
| Average total loans | $8,591,500,000 | 90 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0006% | 5,302 |
| Cost of funding earning assets | 0.6378% | 4,025 |
| Net interest margin | 3.3628% | 5,026 |
| Noninterest income to average assets | 0.3802% | 4,748 |
| Noninterest expense to average assets | 2.3556% | 5,545 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5373% | 4,526 |
| Return on assets (ROA) | 0.5373% | 4,787 |
| Pretax return on assets | 0.9009% | 3,915 |
| Return on Equity (ROE) | 2.9308% | 5,573 |
| Retained earnings to average equity (ytd only) | 2.9308% | 4,163 |
| Net charge-offs to loans | 0.2615% | 3,373 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 5.1905% | 3,113 |
| Efficiency ratio | 68.0203% | 4,141 |
| Assets per employee ($millions) | 7.4264% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4532% | 3,930 |
| Loan loss allowance to noncurrent loans | 38.2263% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 2.5595% | 1,903 |
| Noncurrent loans to loans | 3.8014% | 1,272 |
| Net loans and leases to total assets | 63.6268% | 2,960 |
| Net loans and leases to deposits | 85.2817% | 1,608 |
| Net loans and leases to core deposits | 92.5235% | 1,594 |
| Total domestic deposits to total assets | 74.6078% | 6,481 |
| Equity capital to assets | 16.8355% | 435 |
| Core capital (leverage) ratio | 11.5515% | 1,842 |
| Tier 1 risk-based capital ratio | 13.7225% | 4,586 |
| Total risk-based capital ratio | 14.9710% | 4,537 |
| Memoranda: |
| Average total assets | $12,098,600,000 | 98 |
| Average earning assets | $10,348,400,000 | 100 |
| Average equity | $2,217,800,000 | 65 |
| Average total loans | $8,031,400,000 | 92 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0909% | 5,219 |
| Cost of funding earning assets | 0.6598% | 4,103 |
| Net interest margin | 3.4311% | 4,919 |
| Noninterest income to average assets | 0.4183% | 4,493 |
| Noninterest expense to average assets | 2.3969% | 5,410 |
| Loan and lease loss provision to assets | -0.0678% | 7,011 |
| Net operating income to assets | 0.6332% | 4,226 |
| Return on assets (ROA) | 0.6332% | 4,479 |
| Pretax return on assets | 1.0289% | 3,606 |
| Return on Equity (ROE) | 3.3762% | 5,544 |
| Retained earnings to average equity (ytd only) | 3.3762% | 4,493 |
| Net charge-offs to loans | 0.2535% | 3,201 |
| Credit loss provision to net charge-offs | -40.0000% | 6,158 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,961 |
| Efficiency ratio | 67.3401% | 4,206 |
| Assets per employee ($millions) | 6.6715% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5390% | 3,777 |
| Loan loss allowance to noncurrent loans | 35.5114% | 5,869 |
| Noncurrent assets plus other real estate owned to assets | 3.1151% | 1,664 |
| Noncurrent loans to loans | 4.3339% | 1,118 |
| Net loans and leases to total assets | 66.9653% | 2,469 |
| Net loans and leases to deposits | 93.6636% | 815 |
| Net loans and leases to core deposits | 103.4675% | 896 |
| Total domestic deposits to total assets | 71.4956% | 6,763 |
| Equity capital to assets | 18.7490% | 313 |
| Core capital (leverage) ratio | 11.6405% | 1,877 |
| Tier 1 risk-based capital ratio | 14.4414% | 4,228 |
| Total risk-based capital ratio | 15.6889% | 4,194 |
| Memoranda: |
| Average total assets | $11,792,500,000 | 99 |
| Average earning assets | $10,103,500,000 | 101 |
| Average equity | $2,211,500,000 | 67 |
| Average total loans | $7,888,750,000 | 93 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1189% | 5,247 |
| Cost of funding earning assets | 0.6765% | 4,210 |
| Net interest margin | 3.4423% | 4,914 |
| Noninterest income to average assets | 0.3917% | 4,714 |
| Noninterest expense to average assets | 2.3674% | 5,575 |
| Loan and lease loss provision to assets | -0.0852% | 7,100 |
| Net operating income to assets | 0.6472% | 4,126 |
| Return on assets (ROA) | 0.6472% | 4,379 |
| Pretax return on assets | 1.0560% | 3,490 |
| Return on Equity (ROE) | 3.4509% | 5,508 |
| Retained earnings to average equity (ytd only) | 3.4509% | 4,304 |
| Net charge-offs to loans | 0.2304% | 3,186 |
| Credit loss provision to net charge-offs | -55.5556% | 6,009 |
| Earnings coverage of net charge-offs (x) | 6.3333% | 2,655 |
| Efficiency ratio | 67.3469% | 4,266 |
| Assets per employee ($millions) | 6.6351% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6732% | 3,344 |
| Loan loss allowance to noncurrent loans | 33.3333% | 6,001 |
| Noncurrent assets plus other real estate owned to assets | 3.5735% | 1,482 |
| Noncurrent loans to loans | 5.0196% | 978 |
| Net loans and leases to total assets | 65.5318% | 2,764 |
| Net loans and leases to deposits | 93.7402% | 794 |
| Net loans and leases to core deposits | 103.9255% | 866 |
| Total domestic deposits to total assets | 69.9079% | 6,911 |
| Equity capital to assets | 18.7463% | 293 |
| Core capital (leverage) ratio | 11.9690% | 1,616 |
| Tier 1 risk-based capital ratio | 14.5075% | 4,098 |
| Total risk-based capital ratio | 15.7576% | 4,061 |
| Memoranda: |
| Average total assets | $11,742,666,670 | 99 |
| Average earning assets | $10,051,333,330 | 101 |
| Average equity | $2,202,333,330 | 67 |
| Average total loans | $7,811,000,000 | 92 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2751% | 4,830 |
| Cost of funding earning assets | 0.6792% | 4,474 |
| Net interest margin | 3.5959% | 4,286 |
| Noninterest income to average assets | 0.4788% | 4,073 |
| Noninterest expense to average assets | 2.3941% | 5,492 |
| Loan and lease loss provision to assets | -0.2394% | 7,216 |
| Net operating income to assets | 0.8550% | 3,129 |
| Return on assets (ROA) | 0.8550% | 3,367 |
| Pretax return on assets | 1.4022% | 2,180 |
| Return on Equity (ROE) | 4.5579% | 5,011 |
| Retained earnings to average equity (ytd only) | 4.5579% | 3,847 |
| Net charge-offs to loans | 0.3088% | 2,422 |
| Credit loss provision to net charge-offs | -116.6667% | 5,520 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,318 |
| Efficiency ratio | 63.4615% | 5,026 |
| Assets per employee ($millions) | 6.6246% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6340% | 3,601 |
| Loan loss allowance to noncurrent loans | 30.8824% | 6,128 |
| Noncurrent assets plus other real estate owned to assets | 3.6579% | 1,552 |
| Noncurrent loans to loans | 5.2911% | 1,033 |
| Net loans and leases to total assets | 65.1297% | 2,629 |
| Net loans and leases to deposits | 91.0674% | 867 |
| Net loans and leases to core deposits | 100.9987% | 928 |
| Total domestic deposits to total assets | 71.5181% | 6,906 |
| Equity capital to assets | 18.9421% | 283 |
| Core capital (leverage) ratio | 11.8103% | 1,706 |
| Tier 1 risk-based capital ratio | 14.5659% | 4,051 |
| Total risk-based capital ratio | 15.8127% | 4,014 |
| Memoranda: |
| Average total assets | $11,695,500,000 | 97 |
| Average earning assets | $10,011,500,000 | 100 |
| Average equity | $2,194,000,000 | 65 |
| Average total loans | $7,772,000,000 | 93 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5954% | 4,698 |
| Cost of funding earning assets | 0.8317% | 4,615 |
| Net interest margin | 3.7636% | 4,013 |
| Noninterest income to average assets | 0.4037% | 4,584 |
| Noninterest expense to average assets | 2.5892% | 5,137 |
| Loan and lease loss provision to assets | 0.4213% | 2,487 |
| Net operating income to assets | 0.3676% | 5,002 |
| Return on assets (ROA) | 0.4125% | 4,992 |
| Pretax return on assets | 0.6407% | 4,553 |
| Return on Equity (ROE) | 2.1782% | 5,594 |
| Retained earnings to average equity (ytd only) | 2.1782% | 4,664 |
| Net charge-offs to loans | 0.7271% | 2,333 |
| Credit loss provision to net charge-offs | 85.7143% | 4,210 |
| Earnings coverage of net charge-offs (x) | 2.0179% | 4,263 |
| Efficiency ratio | 67.6471% | 4,434 |
| Assets per employee ($millions) | 6.6695% | 873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7745% | 2,950 |
| Loan loss allowance to noncurrent loans | 34.0686% | 5,936 |
| Noncurrent assets plus other real estate owned to assets | 3.6100% | 1,631 |
| Noncurrent loans to loans | 5.2087% | 1,051 |
| Net loans and leases to total assets | 65.5087% | 2,878 |
| Net loans and leases to deposits | 91.0964% | 1,039 |
| Net loans and leases to core deposits | 101.0772% | 1,086 |
| Total domestic deposits to total assets | 71.9115% | 6,875 |
| Equity capital to assets | 18.5781% | 307 |
| Core capital (leverage) ratio | 11.4524% | 1,929 |
| Tier 1 risk-based capital ratio | 14.1912% | 4,183 |
| Total risk-based capital ratio | 15.4444% | 4,133 |
| Memoranda: |
| Average total assets | $11,393,514,800 | 95 |
| Average earning assets | $9,618,413,600 | 98 |
| Average equity | $2,157,758,200 | 66 |
| Average total loans | $7,702,082,400 | 91 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6800% | 4,547 |
| Cost of funding earning assets | 0.8407% | 4,849 |
| Net interest margin | 3.8392% | 3,671 |
| Noninterest income to average assets | 0.3774% | 4,849 |
| Noninterest expense to average assets | 2.6417% | 4,933 |
| Loan and lease loss provision to assets | 0.4599% | 2,157 |
| Net operating income to assets | 0.3576% | 5,175 |
| Return on assets (ROA) | 0.4246% | 5,076 |
| Pretax return on assets | 0.6015% | 4,807 |
| Return on Equity (ROE) | 2.2307% | 5,699 |
| Retained earnings to average equity (ytd only) | 2.2307% | 5,013 |
| Net charge-offs to loans | 0.7997% | 1,961 |
| Credit loss provision to net charge-offs | 84.7826% | 3,969 |
| Earnings coverage of net charge-offs (x) | 1.7826% | 4,321 |
| Efficiency ratio | 68.6275% | 4,190 |
| Assets per employee ($millions) | 6.6350% | 885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8232% | 2,853 |
| Loan loss allowance to noncurrent loans | 31.2500% | 6,187 |
| Noncurrent assets plus other real estate owned to assets | 4.0266% | 1,525 |
| Noncurrent loans to loans | 5.8341% | 977 |
| Net loans and leases to total assets | 65.0026% | 3,103 |
| Net loans and leases to deposits | 90.5694% | 1,150 |
| Net loans and leases to core deposits | 101.2354% | 1,138 |
| Total domestic deposits to total assets | 71.7710% | 6,948 |
| Equity capital to assets | 18.7274% | 333 |
| Core capital (leverage) ratio | 11.3172% | 2,150 |
| Tier 1 risk-based capital ratio | 14.3196% | 4,117 |
| Total risk-based capital ratio | 15.5761% | 4,071 |
| Memoranda: |
| Average total assets | $11,305,643,500 | 95 |
| Average earning assets | $9,515,517,000 | 100 |
| Average equity | $2,151,697,750 | 65 |
| Average total loans | $7,669,353,000 | 91 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7492% | 4,307 |
| Cost of funding earning assets | 0.8519% | 5,052 |
| Net interest margin | 3.8973% | 3,320 |
| Noninterest income to average assets | 0.4283% | 4,445 |
| Noninterest expense to average assets | 2.7123% | 4,768 |
| Loan and lease loss provision to assets | 0.5532% | 1,753 |
| Net operating income to assets | 0.2562% | 5,535 |
| Return on assets (ROA) | 0.2677% | 5,611 |
| Pretax return on assets | 0.4461% | 5,243 |
| Return on Equity (ROE) | 1.3986% | 5,979 |
| Retained earnings to average equity (ytd only) | 1.3986% | 5,290 |
| Net charge-offs to loans | 0.8348% | 1,836 |
| Credit loss provision to net charge-offs | 96.8750% | 3,251 |
| Earnings coverage of net charge-offs (x) | 1.7188% | 4,012 |
| Efficiency ratio | 69.0821% | 4,309 |
| Assets per employee ($millions) | 6.5642% | 900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9223% | 2,598 |
| Loan loss allowance to noncurrent loans | 31.5335% | 6,171 |
| Noncurrent assets plus other real estate owned to assets | 4.1681% | 1,524 |
| Noncurrent loans to loans | 6.0961% | 967 |
| Net loans and leases to total assets | 64.1492% | 3,429 |
| Net loans and leases to deposits | 91.8609% | 1,075 |
| Net loans and leases to core deposits | 102.3918% | 1,153 |
| Total domestic deposits to total assets | 69.8329% | 7,122 |
| Equity capital to assets | 18.5584% | 338 |
| Core capital (leverage) ratio | 11.4341% | 1,952 |
| Tier 1 risk-based capital ratio | 14.2976% | 3,941 |
| Total risk-based capital ratio | 15.5535% | 3,911 |
| Memoranda: |
| Average total assets | $11,208,191,330 | 98 |
| Average earning assets | $9,391,022,670 | 102 |
| Average equity | $2,144,930,330 | 66 |
| Average total loans | $7,666,137,330 | 92 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9537% | 3,313 |
| Cost of funding earning assets | 0.8768% | 5,081 |
| Net interest margin | 4.0769% | 2,355 |
| Noninterest income to average assets | 0.5088% | 3,813 |
| Noninterest expense to average assets | 2.7621% | 4,595 |
| Loan and lease loss provision to assets | 0.6178% | 1,390 |
| Net operating income to assets | 0.3391% | 5,229 |
| Return on assets (ROA) | 0.3634% | 5,192 |
| Pretax return on assets | 0.5451% | 4,880 |
| Return on Equity (ROE) | 1.8693% | 5,834 |
| Retained earnings to average equity (ytd only) | 1.8693% | 4,994 |
| Net charge-offs to loans | 1.0387% | 1,317 |
| Credit loss provision to net charge-offs | 85.0000% | 3,042 |
| Earnings coverage of net charge-offs (x) | 1.5500% | 3,548 |
| Efficiency ratio | 66.3551% | 4,975 |
| Assets per employee ($millions) | 6.1892% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8910% | 2,720 |
| Loan loss allowance to noncurrent loans | 32.0000% | 6,178 |
| Noncurrent assets plus other real estate owned to assets | 4.2849% | 1,527 |
| Noncurrent loans to loans | 5.9094% | 1,082 |
| Net loans and leases to total assets | 67.9676% | 2,554 |
| Net loans and leases to deposits | 96.4498% | 662 |
| Net loans and leases to core deposits | 108.6217% | 808 |
| Total domestic deposits to total assets | 70.4694% | 7,160 |
| Equity capital to assets | 19.5051% | 280 |
| Core capital (leverage) ratio | 11.6812% | 1,750 |
| Tier 1 risk-based capital ratio | 14.2059% | 3,937 |
| Total risk-based capital ratio | 15.4611% | 3,899 |
| Memoranda: |
| Average total assets | $11,006,287,000 | 101 |
| Average earning assets | $9,124,534,000 | 108 |
| Average equity | $2,139,895,500 | 64 |
| Average total loans | $7,701,706,000 | 91 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7336% | 5,677 |
| Cost of funding earning assets | 0.9718% | 5,827 |
| Net interest margin | 3.7618% | 4,098 |
| Noninterest income to average assets | 0.5351% | 3,922 |
| Noninterest expense to average assets | 2.3835% | 6,130 |
| Loan and lease loss provision to assets | 1.4716% | 1,013 |
| Net operating income to assets | -0.0161% | 5,870 |
| Return on assets (ROA) | 0.0018% | 5,958 |
| Pretax return on assets | -0.1328% | 6,026 |
| Return on Equity (ROE) | 0.0089% | 5,959 |
| Retained earnings to average equity (ytd only) | 0.0089% | 5,571 |
| Net charge-offs to loans | 1.5141% | 1,453 |
| Credit loss provision to net charge-offs | 135.2356% | 2,877 |
| Earnings coverage of net charge-offs (x) | 1.2046% | 4,903 |
| Efficiency ratio | 60.4324% | 5,984 |
| Assets per employee ($millions) | 6.2546% | 1,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8886% | 2,595 |
| Loan loss allowance to noncurrent loans | 35.7998% | 5,935 |
| Noncurrent assets plus other real estate owned to assets | 3.9453% | 1,728 |
| Noncurrent loans to loans | 5.2754% | 1,260 |
| Net loans and leases to total assets | 69.3369% | 2,705 |
| Net loans and leases to deposits | 98.2740% | 691 |
| Net loans and leases to core deposits | 110.9918% | 871 |
| Total domestic deposits to total assets | 70.5546% | 7,204 |
| Equity capital to assets | 19.3800% | 298 |
| Core capital (leverage) ratio | 11.6033% | 1,778 |
| Tier 1 risk-based capital ratio | 13.8421% | 3,968 |
| Total risk-based capital ratio | 15.1006% | 3,946 |
| Memoranda: |
| Average total assets | $10,204,368,400 | 109 |
| Average earning assets | $8,569,734,200 | 111 |
| Average equity | $2,090,612,600 | 62 |
| Average total loans | $7,333,681,400 | 94 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6104% | 6,308 |
| Cost of funding earning assets | 0.9978% | 5,945 |
| Net interest margin | 3.6126% | 4,816 |
| Noninterest income to average assets | 0.6665% | 3,036 |
| Noninterest expense to average assets | 2.2760% | 6,394 |
| Loan and lease loss provision to assets | 1.4605% | 921 |
| Net operating income to assets | -0.0144% | 6,022 |
| Return on assets (ROA) | 0.0237% | 6,070 |
| Pretax return on assets | 0.0036% | 6,079 |
| Return on Equity (ROE) | 0.1139% | 6,096 |
| Retained earnings to average equity (ytd only) | 0.1139% | 5,729 |
| Net charge-offs to loans | 1.3752% | 1,478 |
| Credit loss provision to net charge-offs | 147.0994% | 2,667 |
| Earnings coverage of net charge-offs (x) | 1.4363% | 4,649 |
| Efficiency ratio | 58.0111% | 6,273 |
| Assets per employee ($millions) | 6.2899% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8450% | 2,643 |
| Loan loss allowance to noncurrent loans | 41.7132% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 3.2886% | 2,171 |
| Noncurrent loans to loans | 4.4232% | 1,642 |
| Net loans and leases to total assets | 69.2905% | 2,904 |
| Net loans and leases to deposits | 101.1658% | 577 |
| Net loans and leases to core deposits | 114.8107% | 803 |
| Total domestic deposits to total assets | 68.4920% | 7,352 |
| Equity capital to assets | 19.5242% | 316 |
| Core capital (leverage) ratio | 12.2891% | 1,514 |
| Tier 1 risk-based capital ratio | 14.0312% | 3,810 |
| Total risk-based capital ratio | 15.2892% | 3,777 |
| Memoranda: |
| Average total assets | $10,000,317,000 | 110 |
| Average earning assets | $8,402,900,750 | 110 |
| Average equity | $2,079,318,000 | 63 |
| Average total loans | $7,219,998,750 | 96 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6531% | 6,304 |
| Cost of funding earning assets | 1.0109% | 6,092 |
| Net interest margin | 3.6422% | 4,621 |
| Noninterest income to average assets | 0.6745% | 2,854 |
| Noninterest expense to average assets | 2.2961% | 6,365 |
| Loan and lease loss provision to assets | 1.2962% | 1,063 |
| Net operating income to assets | 0.1060% | 5,851 |
| Return on assets (ROA) | 0.1037% | 5,971 |
| Pretax return on assets | 0.1390% | 5,903 |
| Return on Equity (ROE) | 0.4874% | 6,086 |
| Retained earnings to average equity (ytd only) | 0.4874% | 5,567 |
| Net charge-offs to loans | 1.2681% | 1,504 |
| Credit loss provision to net charge-offs | 140.3978% | 2,852 |
| Earnings coverage of net charge-offs (x) | 1.5578% | 4,321 |
| Efficiency ratio | 57.9704% | 6,381 |
| Assets per employee ($millions) | 6.8884% | 806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7500% | 2,903 |
| Loan loss allowance to noncurrent loans | 45.8259% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 2.7051% | 2,675 |
| Noncurrent loans to loans | 3.8188% | 2,016 |
| Net loans and leases to total assets | 69.2029% | 3,086 |
| Net loans and leases to deposits | 107.5629% | 334 |
| Net loans and leases to core deposits | 123.1387% | 597 |
| Total domestic deposits to total assets | 64.3372% | 7,570 |
| Equity capital to assets | 20.9862% | 237 |
| Core capital (leverage) ratio | 13.1181% | 1,170 |
| Tier 1 risk-based capital ratio | 14.9473% | 3,174 |
| Total risk-based capital ratio | 16.2037% | 3,144 |
| Memoranda: |
| Average total assets | $9,673,045,330 | 109 |
| Average earning assets | $8,126,384,000 | 116 |
| Average equity | $2,057,701,000 | 63 |
| Average total loans | $7,042,461,330 | 95 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6966% | 6,254 |
| Cost of funding earning assets | 1.0178% | 6,291 |
| Net interest margin | 3.6788% | 4,353 |
| Noninterest income to average assets | 0.5836% | 3,385 |
| Noninterest expense to average assets | 2.3796% | 6,162 |
| Loan and lease loss provision to assets | 0.7977% | 1,589 |
| Net operating income to assets | 0.3056% | 5,280 |
| Return on assets (ROA) | 0.3014% | 5,423 |
| Pretax return on assets | 0.4760% | 5,044 |
| Return on Equity (ROE) | 1.4066% | 5,993 |
| Retained earnings to average equity (ytd only) | 1.4066% | 5,240 |
| Net charge-offs to loans | 0.6815% | 2,128 |
| Credit loss provision to net charge-offs | 157.9604% | 2,272 |
| Earnings coverage of net charge-offs (x) | 2.5351% | 3,279 |
| Efficiency ratio | 61.3425% | 5,941 |
| Assets per employee ($millions) | 6.4928% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6479% | 3,261 |
| Loan loss allowance to noncurrent loans | 48.3614% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 2.5363% | 2,866 |
| Noncurrent loans to loans | 3.4074% | 2,343 |
| Net loans and leases to total assets | 73.2091% | 2,150 |
| Net loans and leases to deposits | 121.2853% | 122 |
| Net loans and leases to core deposits | 141.5687% | 311 |
| Total domestic deposits to total assets | 60.3611% | 7,755 |
| Equity capital to assets | 22.6157% | 193 |
| Core capital (leverage) ratio | 14.0364% | 951 |
| Tier 1 risk-based capital ratio | 15.4500% | 2,891 |
| Total risk-based capital ratio | 16.7054% | 2,839 |
| Memoranda: |
| Average total assets | $9,398,389,500 | 113 |
| Average earning assets | $7,859,033,500 | 119 |
| Average equity | $2,013,909,000 | 61 |
| Average total loans | $6,963,606,000 | 96 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9429% | 6,607 |
| Cost of funding earning assets | 1.4050% | 5,913 |
| Net interest margin | 3.5379% | 4,788 |
| Noninterest income to average assets | 0.5513% | 4,014 |
| Noninterest expense to average assets | 2.6352% | 5,648 |
| Loan and lease loss provision to assets | 0.6409% | 3,236 |
| Net operating income to assets | 0.1802% | 4,963 |
| Return on assets (ROA) | 0.1722% | 5,066 |
| Pretax return on assets | 0.2256% | 4,947 |
| Return on Equity (ROE) | 0.8290% | 5,283 |
| Retained earnings to average equity (ytd only) | 0.8290% | 4,436 |
| Net charge-offs to loans | 0.2988% | 4,765 |
| Credit loss provision to net charge-offs | 286.7772% | 1,172 |
| Earnings coverage of net charge-offs (x) | 3.9250% | 3,140 |
| Efficiency ratio | 71.0766% | 4,434 |
| Assets per employee ($millions) | 6.5835% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5516% | 3,467 |
| Loan loss allowance to noncurrent loans | 51.5957% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 2.2180% | 3,102 |
| Noncurrent loans to loans | 3.0073% | 2,564 |
| Net loans and leases to total assets | 72.6097% | 2,600 |
| Net loans and leases to deposits | 123.6655% | 133 |
| Net loans and leases to core deposits | 153.1886% | 438 |
| Total domestic deposits to total assets | 58.7146% | 7,823 |
| Equity capital to assets | 20.2498% | 282 |
| Core capital (leverage) ratio | 11.4205% | 1,962 |
| Tier 1 risk-based capital ratio | 12.6832% | 4,378 |
| Total risk-based capital ratio | 13.9374% | 4,309 |
| Memoranda: |
| Average total assets | $9,147,180,200 | 114 |
| Average earning assets | $7,655,676,000 | 118 |
| Average equity | $1,899,829,800 | 63 |
| Average total loans | $6,840,591,200 | 100 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9796% | 6,662 |
| Cost of funding earning assets | 1.4916% | 5,858 |
| Net interest margin | 3.4880% | 4,906 |
| Noninterest income to average assets | 0.5910% | 3,776 |
| Noninterest expense to average assets | 2.6395% | 5,562 |
| Loan and lease loss provision to assets | 0.3583% | 4,171 |
| Net operating income to assets | 0.3379% | 4,645 |
| Return on assets (ROA) | 0.3323% | 4,771 |
| Pretax return on assets | 0.5027% | 4,513 |
| Return on Equity (ROE) | 1.5898% | 5,301 |
| Retained earnings to average equity (ytd only) | 1.5898% | 4,421 |
| Net charge-offs to loans | 0.2315% | 4,608 |
| Credit loss provision to net charge-offs | 206.2067% | 2,149 |
| Earnings coverage of net charge-offs (x) | 5.0036% | 2,952 |
| Efficiency ratio | 71.2358% | 4,380 |
| Assets per employee ($millions) | 6.0756% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1968% | 5,133 |
| Loan loss allowance to noncurrent loans | 41.9384% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 2.0716% | 3,248 |
| Noncurrent loans to loans | 2.8538% | 2,662 |
| Net loans and leases to total assets | 71.7230% | 3,103 |
| Net loans and leases to deposits | 130.8630% | 104 |
| Net loans and leases to core deposits | 167.4611% | 287 |
| Total domestic deposits to total assets | 54.8077% | 7,941 |
| Equity capital to assets | 20.2155% | 325 |
| Core capital (leverage) ratio | 11.5168% | 2,068 |
| Tier 1 risk-based capital ratio | 12.8826% | 4,276 |
| Total risk-based capital ratio | 14.1106% | 4,227 |
| Memoranda: |
| Average total assets | $9,075,432,500 | 120 |
| Average earning assets | $7,591,797,500 | 124 |
| Average equity | $1,897,187,500 | 66 |
| Average total loans | $6,811,217,000 | 103 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0489% | 6,622 |
| Cost of funding earning assets | 1.5682% | 5,845 |
| Net interest margin | 3.4807% | 4,891 |
| Noninterest income to average assets | 0.6056% | 3,643 |
| Noninterest expense to average assets | 2.7140% | 5,332 |
| Loan and lease loss provision to assets | 0.3278% | 3,973 |
| Net operating income to assets | 0.3112% | 4,843 |
| Return on assets (ROA) | 0.3081% | 4,973 |
| Pretax return on assets | 0.4611% | 4,744 |
| Return on Equity (ROE) | 1.4566% | 5,474 |
| Retained earnings to average equity (ytd only) | 1.4566% | 4,517 |
| Net charge-offs to loans | 0.1673% | 4,551 |
| Credit loss provision to net charge-offs | 258.0662% | 1,799 |
| Earnings coverage of net charge-offs (x) | 6.2483% | 2,657 |
| Efficiency ratio | 73.3408% | 4,134 |
| Assets per employee ($millions) | 6.0563% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1447% | 5,302 |
| Loan loss allowance to noncurrent loans | 55.7436% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 1.5136% | 3,956 |
| Noncurrent loans to loans | 2.0535% | 3,442 |
| Net loans and leases to total assets | 72.7353% | 3,018 |
| Net loans and leases to deposits | 139.8205% | 84 |
| Net loans and leases to core deposits | 178.1887% | 238 |
| Total domestic deposits to total assets | 52.0205% | 8,046 |
| Equity capital to assets | 20.3062% | 357 |
| Core capital (leverage) ratio | 11.8183% | 1,910 |
| Tier 1 risk-based capital ratio | 12.7000% | 4,361 |
| Total risk-based capital ratio | 13.8858% | 4,330 |
| Memoranda: |
| Average total assets | $8,941,284,330 | 124 |
| Average earning assets | $7,454,583,670 | 130 |
| Average equity | $1,890,916,330 | 68 |
| Average total loans | $6,788,237,000 | 109 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1937% | 6,321 |
| Cost of funding earning assets | 1.6684% | 5,745 |
| Net interest margin | 3.5252% | 4,630 |
| Noninterest income to average assets | 0.6674% | 3,092 |
| Noninterest expense to average assets | 2.6946% | 5,030 |
| Loan and lease loss provision to assets | 0.3962% | 2,950 |
| Net operating income to assets | 0.3474% | 5,082 |
| Return on assets (ROA) | 0.3474% | 5,266 |
| Pretax return on assets | 0.5035% | 5,071 |
| Return on Equity (ROE) | 1.6085% | 5,913 |
| Retained earnings to average equity (ytd only) | 1.6085% | 4,946 |
| Net charge-offs to loans | 0.2100% | 3,379 |
| Credit loss provision to net charge-offs | 244.4350% | 1,907 |
| Earnings coverage of net charge-offs (x) | 5.5508% | 2,651 |
| Efficiency ratio | 70.9403% | 4,387 |
| Assets per employee ($millions) | 5.4535% | 1,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0995% | 5,475 |
| Loan loss allowance to noncurrent loans | 65.5187% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 1.3073% | 4,053 |
| Noncurrent loans to loans | 1.6782% | 3,740 |
| Net loans and leases to total assets | 76.6320% | 2,135 |
| Net loans and leases to deposits | 141.0520% | 88 |
| Net loans and leases to core deposits | 176.3500% | 275 |
| Total domestic deposits to total assets | 54.3289% | 8,068 |
| Equity capital to assets | 21.5381% | 331 |
| Core capital (leverage) ratio | 12.3725% | 1,734 |
| Tier 1 risk-based capital ratio | 12.7864% | 4,331 |
| Total risk-based capital ratio | 13.9386% | 4,322 |
| Memoranda: |
| Average total assets | $8,736,444,500 | 129 |
| Average earning assets | $7,253,704,000 | 135 |
| Average equity | $1,886,960,000 | 69 |
| Average total loans | $6,742,250,000 | 111 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0352% | 5,391 |
| Cost of funding earning assets | 2.0851% | 6,113 |
| Net interest margin | 3.9502% | 3,360 |
| Noninterest income to average assets | 0.5125% | 4,526 |
| Noninterest expense to average assets | 2.7039% | 5,251 |
| Loan and lease loss provision to assets | 0.4730% | 2,937 |
| Net operating income to assets | 0.3789% | 5,232 |
| Return on assets (ROA) | 0.3808% | 5,042 |
| Pretax return on assets | 0.5974% | 4,701 |
| Return on Equity (ROE) | 1.7626% | 5,687 |
| Retained earnings to average equity (ytd only) | 1.7626% | 4,150 |
| Net charge-offs to loans | 0.6694% | 1,843 |
| Credit loss provision to net charge-offs | 92.4497% | 5,616 |
| Earnings coverage of net charge-offs (x) | 2.0863% | 5,034 |
| Efficiency ratio | 68.6262% | 4,606 |
| Assets per employee ($millions) | 5.3492% | 1,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0458% | 5,658 |
| Loan loss allowance to noncurrent loans | 86.6904% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 0.9272% | 4,510 |
| Noncurrent loans to loans | 1.2064% | 4,101 |
| Net loans and leases to total assets | 76.0560% | 2,607 |
| Net loans and leases to deposits | 137.7924% | 123 |
| Net loans and leases to core deposits | 166.6457% | 465 |
| Total domestic deposits to total assets | 55.1961% | 8,069 |
| Equity capital to assets | 21.6601% | 369 |
| Core capital (leverage) ratio | 11.9966% | 1,964 |
| Tier 1 risk-based capital ratio | 12.7841% | 4,235 |
| Total risk-based capital ratio | 13.8716% | 4,263 |
| Memoranda: |
| Average total assets | $8,614,629,800 | 122 |
| Average earning assets | $7,107,106,400 | 135 |
| Average equity | $1,861,035,200 | 67 |
| Average total loans | $6,584,998,000 | 111 |
