Home > Raymond James Bank > Performance and Condition Ratios
Raymond James Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0017% | 3,117 |
| Cost of funding earning assets | 1.9966% | 1,939 |
| Net interest margin | 3.0050% | 3,386 |
| Noninterest income to average assets | 0.0900% | 4,163 |
| Noninterest expense to average assets | 1.1298% | 4,356 |
| Loan and lease loss provision to assets | 0.0900% | 1,412 |
| Net operating income to assets | 1.3642% | 1,338 |
| Return on assets (ROA) | 1.3642% | 1,331 |
| Pretax return on assets | 1.8219% | 918 |
| Return on Equity (ROE) | 19.0800% | 525 |
| Retained earnings to average equity (ytd only) | -1.1052% | 3,853 |
| Net charge-offs to loans | 0.0871% | 902 |
| Credit loss provision to net charge-offs | 125.6339% | 1,123 |
| Earnings coverage of net charge-offs (x) | 27.5091% | 1,287 |
| Efficiency ratio | 37.1638% | 4,328 |
| Assets per employee ($millions) | 117.7152% | 17 |
| Cash dividends to net income (ytd only)* | 105.7917% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 2,221 |
| Loan loss allowance to noncurrent loans | 235.9104% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.4047% | 1,729 |
| Noncurrent loans to loans | 0.5058% | 1,852 |
| Net loans and leases to total assets | 79.0300% | 708 |
| Net loans and leases to deposits | 87.3242% | 1,365 |
| Net loans and leases to core deposits | 114.4484% | 707 |
| Total domestic deposits to total assets | 90.5000% | 663 |
| Equity capital to assets | 7.1699% | 3,973 |
| Core capital (leverage) ratio | 8.1038% | 4,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3655% | 1,405 |
| Memoranda: | ||
| Average total assets | $41,573,781,000 | 57 |
| Average earning assets | $40,759,703,500 | 54 |
| Average equity | $2,972,228,500 | 83 |
| Average total loans | $33,142,457,000 | 49 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 834,754.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9,520,887.0000% | 1 |
| Cost of funding earning assets | 15,551.0000% | 1 |
| Net interest margin | 0.0000% | 4,448 |
| Noninterest income to average assets | 30.0000% | 72 |
| Noninterest expense to average assets | 0.0018% | 4,466 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | 0.0000% | 4,165 |
| Return on assets (ROA) | 1.3078% | 1,274 |
| Pretax return on assets | 1.7331% | 920 |
| Return on Equity (ROE) | 18.8500% | 489 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,901 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 4.0000% | 2,527 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 850,000.0000% | 1 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.2350% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 182,681.0000% | 1 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 0.0000% | 4,378 |
| Net loans and leases to deposits | 0.0000% | 4,387 |
| Net loans and leases to core deposits | 0.0000% | 4,400 |
| Total domestic deposits to total assets | 0.3640% | 4,423 |
| Equity capital to assets | 564,446.0000% | 6 |
| Core capital (leverage) ratio | 0.0000% | 4,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 465.0000% | 15 |
| Memoranda: | ||
| Average total assets | $35,615,000 | 4,336 |
| Average earning assets | $3,585 | 4,481 |
| Average equity | $0 | 4,450 |
| Average total loans | $0 | 4,379 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4459% | 2,180 |
| Cost of funding earning assets | 2.5861% | 1,005 |
| Net interest margin | 2.8597% | 3,354 |
| Noninterest income to average assets | 0.1000% | 4,224 |
| Noninterest expense to average assets | 1.1184% | 4,416 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 1.2769% | 1,361 |
| Return on assets (ROA) | 1.2769% | 1,355 |
| Pretax return on assets | 1.6948% | 1,025 |
| Return on Equity (ROE) | 18.5300% | 529 |
| Retained earnings to average equity (ytd only) | 1.0075% | 3,724 |
| Net charge-offs to loans | 0.2101% | 567 |
| Credit loss provision to net charge-offs | 47.1963% | 2,067 |
| Earnings coverage of net charge-offs (x) | 11.0522% | 2,082 |
| Efficiency ratio | 38.6432% | 4,362 |
| Assets per employee ($millions) | 118.9634% | 17 |
| Cash dividends to net income (ytd only)* | 94.5640% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 1,862 |
| Loan loss allowance to noncurrent loans | 325.7008% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 2,006 |
| Noncurrent loans to loans | 0.3893% | 2,109 |
| Net loans and leases to total assets | 76.1400% | 1,112 |
| Net loans and leases to deposits | 84.3379% | 1,789 |
| Net loans and leases to core deposits | 115.5444% | 743 |
| Total domestic deposits to total assets | 90.2900% | 513 |
| Equity capital to assets | 7.1673% | 4,086 |
| Core capital (leverage) ratio | 8.1368% | 4,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6534% | 1,372 |
| Memoranda: | ||
| Average total assets | $41,407,189,500 | 57 |
| Average earning assets | $40,518,949,500 | 53 |
| Average equity | $2,852,893,000 | 83 |
| Average total loans | $31,671,242,750 | 50 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4243% | 2,110 |
| Cost of funding earning assets | 2.5637% | 968 |
| Net interest margin | 2.8607% | 3,325 |
| Noninterest income to average assets | 0.0800% | 4,310 |
| Noninterest expense to average assets | 1.1197% | 4,436 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 1.2790% | 1,301 |
| Return on assets (ROA) | 1.2790% | 1,309 |
| Pretax return on assets | 1.7143% | 961 |
| Return on Equity (ROE) | 18.8200% | 532 |
| Retained earnings to average equity (ytd only) | 1.0194% | 3,596 |
| Net charge-offs to loans | 0.2174% | 512 |
| Credit loss provision to net charge-offs | 21.0863% | 1,937 |
| Earnings coverage of net charge-offs (x) | 10.6002% | 1,971 |
| Efficiency ratio | 38.9149% | 4,369 |
| Assets per employee ($millions) | 114.9643% | 18 |
| Cash dividends to net income (ytd only)* | 94.5830% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 1,813 |
| Loan loss allowance to noncurrent loans | 327.1236% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.3047% | 1,942 |
| Noncurrent loans to loans | 0.3922% | 2,015 |
| Net loans and leases to total assets | 76.5400% | 1,113 |
| Net loans and leases to deposits | 84.5455% | 1,786 |
| Net loans and leases to core deposits | 116.7302% | 738 |
| Total domestic deposits to total assets | 90.5300% | 567 |
| Equity capital to assets | 6.9281% | 3,967 |
| Core capital (leverage) ratio | 8.2024% | 4,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4398% | 1,408 |
| Memoranda: | ||
| Average total assets | $41,330,524,000 | 55 |
| Average earning assets | $40,415,899,333 | 52 |
| Average equity | $2,809,099,333 | 82 |
| Average total loans | $31,524,456,000 | 49 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4121% | 1,978 |
| Cost of funding earning assets | 2.5283% | 945 |
| Net interest margin | 2.8838% | 3,225 |
| Noninterest income to average assets | 0.0700% | 4,325 |
| Noninterest expense to average assets | 1.1245% | 4,462 |
| Loan and lease loss provision to assets | 0.1800% | 570 |
| Net operating income to assets | 1.1779% | 1,493 |
| Return on assets (ROA) | 1.1779% | 1,503 |
| Pretax return on assets | 1.5895% | 1,107 |
| Return on Equity (ROE) | 17.5000% | 666 |
| Retained earnings to average equity (ytd only) | -0.3612% | 3,778 |
| Net charge-offs to loans | 0.3648% | 251 |
| Credit loss provision to net charge-offs | 63.9111% | 1,345 |
| Earnings coverage of net charge-offs (x) | 6.4115% | 1,812 |
| Efficiency ratio | 38.8588% | 4,368 |
| Assets per employee ($millions) | 119.4007% | 17 |
| Cash dividends to net income (ytd only)* | 102.0641% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3471% | 1,580 |
| Loan loss allowance to noncurrent loans | 278.3899% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.3696% | 1,646 |
| Noncurrent loans to loans | 0.4839% | 1,718 |
| Net loans and leases to total assets | 75.2100% | 1,172 |
| Net loans and leases to deposits | 83.0231% | 1,800 |
| Net loans and leases to core deposits | 116.4113% | 736 |
| Total domestic deposits to total assets | 90.5900% | 622 |
| Equity capital to assets | 6.7864% | 3,985 |
| Core capital (leverage) ratio | 8.0480% | 4,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2622% | 1,465 |
| Memoranda: | ||
| Average total assets | $41,589,630,500 | 55 |
| Average earning assets | $40,671,332,500 | 51 |
| Average equity | $2,799,881,500 | 82 |
| Average total loans | $31,464,834,000 | 49 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2520% | 1,571 |
| Cost of funding earning assets | 1.8051% | 1,240 |
| Net interest margin | 3.4469% | 2,309 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 1.1142% | 4,483 |
| Loan and lease loss provision to assets | 0.2800% | 387 |
| Net operating income to assets | 1.5578% | 923 |
| Return on assets (ROA) | 1.5578% | 891 |
| Pretax return on assets | 2.0509% | 620 |
| Return on Equity (ROE) | 25.0500% | 311 |
| Retained earnings to average equity (ytd only) | 6.9991% | 1,895 |
| Net charge-offs to loans | 0.1889% | 566 |
| Credit loss provision to net charge-offs | 196.1686% | 1,237 |
| Earnings coverage of net charge-offs (x) | 16.5273% | 2,001 |
| Efficiency ratio | 32.3378% | 4,481 |
| Assets per employee ($millions) | 122.4082% | 15 |
| Cash dividends to net income (ytd only)* | 72.0561% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3777% | 1,471 |
| Loan loss allowance to noncurrent loans | 325.6324% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.3184% | 1,673 |
| Noncurrent loans to loans | 0.4231% | 1,724 |
| Net loans and leases to total assets | 74.0500% | 1,360 |
| Net loans and leases to deposits | 81.6538% | 1,975 |
| Net loans and leases to core deposits | 115.3577% | 770 |
| Total domestic deposits to total assets | 90.6900% | 581 |
| Equity capital to assets | 6.6790% | 4,058 |
| Core capital (leverage) ratio | 7.9343% | 4,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1598% | 1,492 |
| Memoranda: | ||
| Average total assets | $42,317,665,200 | 53 |
| Average earning assets | $41,375,065,400 | 48 |
| Average equity | $2,631,892,200 | 79 |
| Average total loans | $31,598,033,800 | 44 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1849% | 1,483 |
| Cost of funding earning assets | 1.5840% | 1,404 |
| Net interest margin | 3.6008% | 2,009 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 1.1047% | 4,503 |
| Loan and lease loss provision to assets | 0.3500% | 251 |
| Net operating income to assets | 1.6191% | 908 |
| Return on assets (ROA) | 1.6191% | 897 |
| Pretax return on assets | 2.1289% | 619 |
| Return on Equity (ROE) | 26.5200% | 328 |
| Retained earnings to average equity (ytd only) | 8.4922% | 1,816 |
| Net charge-offs to loans | 0.2237% | 394 |
| Credit loss provision to net charge-offs | 204.7505% | 1,101 |
| Earnings coverage of net charge-offs (x) | 14.8782% | 1,980 |
| Efficiency ratio | 30.8014% | 4,510 |
| Assets per employee ($millions) | 125.8139% | 15 |
| Cash dividends to net income (ytd only)* | 67.9758% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 1,547 |
| Loan loss allowance to noncurrent loans | 456.2850% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 2,129 |
| Noncurrent loans to loans | 0.3017% | 2,151 |
| Net loans and leases to total assets | 73.5500% | 1,398 |
| Net loans and leases to deposits | 80.5306% | 2,002 |
| Net loans and leases to core deposits | 109.7557% | 880 |
| Total domestic deposits to total assets | 91.3300% | 596 |
| Equity capital to assets | 6.1532% | 3,934 |
| Core capital (leverage) ratio | 7.8478% | 4,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9961% | 1,569 |
| Memoranda: | ||
| Average total assets | $42,400,580,500 | 54 |
| Average earning assets | $41,451,590,750 | 49 |
| Average equity | $2,588,806,250 | 80 |
| Average total loans | $31,615,919,000 | 45 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0938% | 1,384 |
| Cost of funding earning assets | 1.2408% | 1,879 |
| Net interest margin | 3.8530% | 1,518 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 1.0926% | 4,540 |
| Loan and lease loss provision to assets | 0.4000% | 206 |
| Net operating income to assets | 1.7891% | 673 |
| Return on assets (ROA) | 1.7891% | 669 |
| Pretax return on assets | 2.3505% | 435 |
| Return on Equity (ROE) | 29.3800% | 227 |
| Retained earnings to average equity (ytd only) | 12.3889% | 912 |
| Net charge-offs to loans | 0.2215% | 367 |
| Credit loss provision to net charge-offs | 214.8601% | 1,015 |
| Earnings coverage of net charge-offs (x) | 16.6420% | 1,823 |
| Efficiency ratio | 28.4438% | 4,553 |
| Assets per employee ($millions) | 126.5614% | 15 |
| Cash dividends to net income (ytd only)* | 57.8299% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 1,779 |
| Loan loss allowance to noncurrent loans | 361.9997% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.2735% | 1,836 |
| Noncurrent loans to loans | 0.3688% | 1,821 |
| Net loans and leases to total assets | 73.1600% | 1,390 |
| Net loans and leases to deposits | 80.0193% | 1,978 |
| Net loans and leases to core deposits | 99.8686% | 1,249 |
| Total domestic deposits to total assets | 91.4300% | 520 |
| Equity capital to assets | 6.2824% | 4,071 |
| Core capital (leverage) ratio | 7.5780% | 4,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8759% | 1,606 |
| Memoranda: | ||
| Average total assets | $42,526,829,000 | 54 |
| Average earning assets | $41,592,098,000 | 49 |
| Average equity | $2,589,842,333 | 78 |
| Average total loans | $31,708,534,333 | 44 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8678% | 1,469 |
| Cost of funding earning assets | 0.8294% | 2,605 |
| Net interest margin | 4.0385% | 1,196 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 1.0780% | 4,609 |
| Loan and lease loss provision to assets | 0.2500% | 378 |
| Net operating income to assets | 2.0146% | 482 |
| Return on assets (ROA) | 2.0146% | 477 |
| Pretax return on assets | 2.6821% | 293 |
| Return on Equity (ROE) | 33.6000% | 178 |
| Retained earnings to average equity (ytd only) | 17.9847% | 514 |
| Net charge-offs to loans | 0.2514% | 305 |
| Credit loss provision to net charge-offs | 122.7266% | 1,028 |
| Earnings coverage of net charge-offs (x) | 15.6075% | 1,537 |
| Efficiency ratio | 26.8759% | 4,624 |
| Assets per employee ($millions) | 131.7899% | 15 |
| Cash dividends to net income (ytd only)* | 46.4807% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 2,567 |
| Loan loss allowance to noncurrent loans | 434.7304% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 2,127 |
| Noncurrent loans to loans | 0.2754% | 2,160 |
| Net loans and leases to total assets | 72.4800% | 1,375 |
| Net loans and leases to deposits | 79.1432% | 1,882 |
| Net loans and leases to core deposits | 82.0868% | 2,110 |
| Total domestic deposits to total assets | 91.5800% | 630 |
| Equity capital to assets | 6.1268% | 4,159 |
| Core capital (leverage) ratio | 7.6603% | 4,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3583% | 1,848 |
| Memoranda: | ||
| Average total assets | $42,717,771,000 | 57 |
| Average earning assets | $41,801,364,000 | 49 |
| Average equity | $2,560,910,500 | 82 |
| Average total loans | $31,937,187,000 | 45 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2455% | 3,730 |
| Cost of funding earning assets | 0.3714% | 2,316 |
| Net interest margin | 2.8741% | 3,743 |
| Noninterest income to average assets | 0.0700% | 4,528 |
| Noninterest expense to average assets | 0.8578% | 4,660 |
| Loan and lease loss provision to assets | 0.2500% | 370 |
| Net operating income to assets | 1.3557% | 1,264 |
| Return on assets (ROA) | 1.3557% | 1,222 |
| Pretax return on assets | 1.7843% | 767 |
| Return on Equity (ROE) | 22.7800% | 287 |
| Retained earnings to average equity (ytd only) | 21.3287% | 65 |
| Net charge-offs to loans | 0.0901% | 777 |
| Credit loss provision to net charge-offs | 361.7243% | 817 |
| Earnings coverage of net charge-offs (x) | 30.6149% | 1,670 |
| Efficiency ratio | 29.7122% | 4,656 |
| Assets per employee ($millions) | 132.7339% | 15 |
| Cash dividends to net income (ytd only)* | 6.3898% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 2,517 |
| Loan loss allowance to noncurrent loans | 619.7282% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 2,516 |
| Noncurrent loans to loans | 0.1893% | 2,538 |
| Net loans and leases to total assets | 75.3200% | 1,085 |
| Net loans and leases to deposits | 82.3970% | 1,589 |
| Net loans and leases to core deposits | 83.3011% | 1,915 |
| Total domestic deposits to total assets | 91.4100% | 807 |
| Equity capital to assets | 5.8590% | 4,145 |
| Core capital (leverage) ratio | 7.4082% | 4,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8443% | 2,034 |
| Memoranda: | ||
| Average total assets | $40,404,159,200 | 59 |
| Average earning assets | $39,619,768,800 | 53 |
| Average equity | $2,404,014,000 | 91 |
| Average total loans | $29,719,243,000 | 49 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7940% | 4,202 |
| Cost of funding earning assets | 0.2361% | 2,857 |
| Net interest margin | 2.5579% | 4,155 |
| Noninterest income to average assets | 0.0500% | 4,607 |
| Noninterest expense to average assets | 0.8167% | 4,700 |
| Loan and lease loss provision to assets | 0.2900% | 248 |
| Net operating income to assets | 1.1148% | 2,028 |
| Return on assets (ROA) | 1.1148% | 1,995 |
| Pretax return on assets | 1.4523% | 1,546 |
| Return on Equity (ROE) | 18.6600% | 560 |
| Retained earnings to average equity (ytd only) | 18.1041% | 159 |
| Net charge-offs to loans | 0.1126% | 559 |
| Credit loss provision to net charge-offs | 346.9895% | 753 |
| Earnings coverage of net charge-offs (x) | 21.2882% | 1,689 |
| Efficiency ratio | 31.8684% | 4,678 |
| Assets per employee ($millions) | 132.6413% | 16 |
| Cash dividends to net income (ytd only)* | 2.9909% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 2,719 |
| Loan loss allowance to noncurrent loans | 497.1005% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.1766% | 2,399 |
| Noncurrent loans to loans | 0.2342% | 2,451 |
| Net loans and leases to total assets | 73.9900% | 1,095 |
| Net loans and leases to deposits | 80.2163% | 1,565 |
| Net loans and leases to core deposits | 81.6263% | 1,790 |
| Total domestic deposits to total assets | 92.2300% | 802 |
| Equity capital to assets | 5.2794% | 4,196 |
| Core capital (leverage) ratio | 7.0756% | 4,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3704% | 2,330 |
| Memoranda: | ||
| Average total assets | $39,986,033,500 | 61 |
| Average earning assets | $39,232,374,000 | 56 |
| Average equity | $2,388,694,750 | 95 |
| Average total loans | $29,132,196,500 | 51 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3613% | 4,482 |
| Cost of funding earning assets | 0.1215% | 3,943 |
| Net interest margin | 2.2398% | 4,392 |
| Noninterest income to average assets | 0.0664% | 4,593 |
| Noninterest expense to average assets | 0.7488% | 4,730 |
| Loan and lease loss provision to assets | 0.2761% | 246 |
| Net operating income to assets | 0.9535% | 2,345 |
| Return on assets (ROA) | 0.9535% | 2,320 |
| Pretax return on assets | 1.2409% | 1,931 |
| Return on Equity (ROE) | 15.3262% | 830 |
| Retained earnings to average equity (ytd only) | 14.5082% | 314 |
| Net charge-offs to loans | 0.0777% | 691 |
| Credit loss provision to net charge-offs | 474.3622% | 646 |
| Earnings coverage of net charge-offs (x) | 27.0625% | 1,435 |
| Efficiency ratio | 33.0480% | 4,695 |
| Assets per employee ($millions) | 136.0071% | 15 |
| Cash dividends to net income (ytd only)* | 5.3373% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1473% | 2,940 |
| Loan loss allowance to noncurrent loans | 389.5610% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 2,221 |
| Noncurrent loans to loans | 0.2945% | 2,289 |
| Net loans and leases to total assets | 72.9270% | 1,012 |
| Net loans and leases to deposits | 79.9382% | 1,394 |
| Net loans and leases to core deposits | 81.0214% | 1,656 |
| Total domestic deposits to total assets | 91.2292% | 1,139 |
| Equity capital to assets | 5.7137% | 4,299 |
| Core capital (leverage) ratio | 7.0550% | 4,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4114% | 2,334 |
| Memoranda: | ||
| Average total assets | $39,298,952,000 | 61 |
| Average earning assets | $38,591,761,667 | 57 |
| Average equity | $2,444,971,333 | 93 |
| Average total loans | $28,350,987,000 | 51 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1062% | 4,577 |
| Cost of funding earning assets | 0.1005% | 4,130 |
| Net interest margin | 2.0057% | 4,511 |
| Noninterest income to average assets | 0.0784% | 4,581 |
| Noninterest expense to average assets | 0.6650% | 4,768 |
| Loan and lease loss provision to assets | 0.2110% | 336 |
| Net operating income to assets | 0.9078% | 2,247 |
| Return on assets (ROA) | 0.9078% | 2,244 |
| Pretax return on assets | 1.1730% | 1,907 |
| Return on Equity (ROE) | 13.9782% | 834 |
| Retained earnings to average equity (ytd only) | 12.3719% | 546 |
| Net charge-offs to loans | 0.0116% | 1,336 |
| Credit loss provision to net charge-offs | 2,529.8865% | 170 |
| Earnings coverage of net charge-offs (x) | 167.2976% | 493 |
| Efficiency ratio | 32.4558% | 4,723 |
| Assets per employee ($millions) | 130.3361% | 11 |
| Cash dividends to net income (ytd only)* | 11.4917% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 3,051 |
| Loan loss allowance to noncurrent loans | 315.2156% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 2,056 |
| Noncurrent loans to loans | 0.3684% | 2,168 |
| Net loans and leases to total assets | 72.2745% | 807 |
| Net loans and leases to deposits | 79.4519% | 1,186 |
| Net loans and leases to core deposits | 81.1071% | 1,410 |
| Total domestic deposits to total assets | 90.9663% | 1,054 |
| Equity capital to assets | 6.1768% | 4,542 |
| Core capital (leverage) ratio | 7.2215% | 4,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8733% | 2,269 |
| Memoranda: | ||
| Average total assets | $38,343,351,500 | 64 |
| Average earning assets | $37,673,371,500 | 59 |
| Average equity | $2,490,136,000 | 93 |
| Average total loans | $27,325,419,000 | 53 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0556% | 4,670 |
| Cost of funding earning assets | 0.1200% | 4,219 |
| Net interest margin | 1.9355% | 4,630 |
| Noninterest income to average assets | 0.0750% | 4,669 |
| Noninterest expense to average assets | 0.7201% | 4,798 |
| Loan and lease loss provision to assets | -0.1882% | 4,680 |
| Net operating income to assets | 1.1087% | 2,259 |
| Return on assets (ROA) | 1.1101% | 2,312 |
| Pretax return on assets | 1.4466% | 1,890 |
| Return on Equity (ROE) | 15.4541% | 849 |
| Retained earnings to average equity (ytd only) | 13.4535% | 353 |
| Net charge-offs to loans | 0.0574% | 1,217 |
| Credit loss provision to net charge-offs | -405.0348% | 3,703 |
| Earnings coverage of net charge-offs (x) | 31.3575% | 1,579 |
| Efficiency ratio | 36.4283% | 4,746 |
| Assets per employee ($millions) | 132.7778% | 15 |
| Cash dividends to net income (ytd only)* | 12.9453% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 3,057 |
| Loan loss allowance to noncurrent loans | 421.0816% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 2,594 |
| Noncurrent loans to loans | 0.2767% | 2,612 |
| Net loans and leases to total assets | 68.5752% | 1,203 |
| Net loans and leases to deposits | 75.9773% | 1,572 |
| Net loans and leases to core deposits | 77.3814% | 1,813 |
| Total domestic deposits to total assets | 90.2576% | 840 |
| Equity capital to assets | 6.8158% | 4,747 |
| Core capital (leverage) ratio | 7.2439% | 4,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5594% | 2,033 |
| Memoranda: | ||
| Average total assets | $34,793,048,800 | 66 |
| Average earning assets | $34,185,499,800 | 61 |
| Average equity | $2,499,283,200 | 96 |
| Average total loans | $24,306,344,200 | 55 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0591% | 4,750 |
| Cost of funding earning assets | 0.1232% | 4,322 |
| Net interest margin | 1.9359% | 4,706 |
| Noninterest income to average assets | 0.0776% | 4,736 |
| Noninterest expense to average assets | 0.7342% | 4,882 |
| Loan and lease loss provision to assets | -0.2108% | 4,761 |
| Net operating income to assets | 1.1266% | 2,453 |
| Return on assets (ROA) | 1.1285% | 2,506 |
| Pretax return on assets | 1.4582% | 2,121 |
| Return on Equity (ROE) | 15.4877% | 1,046 |
| Retained earnings to average equity (ytd only) | 15.4877% | 336 |
| Net charge-offs to loans | 0.0699% | 950 |
| Credit loss provision to net charge-offs | -368.4211% | 3,559 |
| Earnings coverage of net charge-offs (x) | 25.4446% | 1,616 |
| Efficiency ratio | 37.0954% | 4,794 |
| Assets per employee ($millions) | 131.6993% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2641% | 2,657 |
| Loan loss allowance to noncurrent loans | 433.7359% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 2,769 |
| Noncurrent loans to loans | 0.2915% | 2,749 |
| Net loans and leases to total assets | 68.5135% | 1,257 |
| Net loans and leases to deposits | 76.2113% | 1,650 |
| Net loans and leases to core deposits | 78.2942% | 1,876 |
| Total domestic deposits to total assets | 89.8995% | 813 |
| Equity capital to assets | 7.1106% | 4,789 |
| Core capital (leverage) ratio | 7.4471% | 4,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6444% | 2,109 |
| Memoranda: | ||
| Average total assets | $33,964,505,250 | 68 |
| Average earning assets | $33,361,162,500 | 63 |
| Average equity | $2,474,777,500 | 95 |
| Average total loans | $23,772,896,750 | 59 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0665% | 4,790 |
| Cost of funding earning assets | 0.1253% | 4,387 |
| Net interest margin | 1.9411% | 4,737 |
| Noninterest income to average assets | 0.0805% | 4,757 |
| Noninterest expense to average assets | 0.7428% | 4,914 |
| Loan and lease loss provision to assets | -0.3440% | 4,858 |
| Net operating income to assets | 1.2188% | 2,113 |
| Return on assets (ROA) | 1.2217% | 2,180 |
| Pretax return on assets | 1.5918% | 1,755 |
| Return on Equity (ROE) | 16.6196% | 836 |
| Retained earnings to average equity (ytd only) | 16.6196% | 295 |
| Net charge-offs to loans | 0.0509% | 1,113 |
| Credit loss provision to net charge-offs | -856.5511% | 3,610 |
| Earnings coverage of net charge-offs (x) | 34.8370% | 1,237 |
| Efficiency ratio | 37.3852% | 4,809 |
| Assets per employee ($millions) | 125.7315% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3309% | 2,281 |
| Loan loss allowance to noncurrent loans | 756.2245% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.1240% | 3,406 |
| Noncurrent loans to loans | 0.1760% | 3,334 |
| Net loans and leases to total assets | 69.1109% | 1,306 |
| Net loans and leases to deposits | 78.2809% | 1,587 |
| Net loans and leases to core deposits | 80.5873% | 1,839 |
| Total domestic deposits to total assets | 88.2858% | 1,676 |
| Equity capital to assets | 7.3233% | 4,781 |
| Core capital (leverage) ratio | 7.5049% | 4,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7401% | 2,075 |
| Memoranda: | ||
| Average total assets | $33,125,774,000 | 70 |
| Average earning assets | $32,533,460,667 | 64 |
| Average equity | $2,435,043,000 | 97 |
| Average total loans | $23,259,123,667 | 60 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0782% | 4,817 |
| Cost of funding earning assets | 0.1274% | 4,478 |
| Net interest margin | 1.9508% | 4,751 |
| Noninterest income to average assets | 0.0623% | 4,816 |
| Noninterest expense to average assets | 0.7637% | 4,943 |
| Loan and lease loss provision to assets | -0.4412% | 4,903 |
| Net operating income to assets | 1.2685% | 1,927 |
| Return on assets (ROA) | 1.2685% | 2,002 |
| Pretax return on assets | 1.6540% | 1,595 |
| Return on Equity (ROE) | 17.2215% | 814 |
| Retained earnings to average equity (ytd only) | 17.2215% | 405 |
| Net charge-offs to loans | 0.0285% | 1,204 |
| Credit loss provision to net charge-offs | -1,969.4016% | 3,542 |
| Earnings coverage of net charge-offs (x) | 60.6052% | 818 |
| Efficiency ratio | 38.6393% | 4,792 |
| Assets per employee ($millions) | 123.9578% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 1,655 |
| Loan loss allowance to noncurrent loans | 1,129.7633% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 3,726 |
| Noncurrent loans to loans | 0.1315% | 3,656 |
| Net loans and leases to total assets | 68.8702% | 1,420 |
| Net loans and leases to deposits | 77.7167% | 1,747 |
| Net loans and leases to core deposits | 80.1196% | 1,991 |
| Total domestic deposits to total assets | 88.6170% | 1,547 |
| Equity capital to assets | 7.2517% | 4,785 |
| Core capital (leverage) ratio | 7.5377% | 4,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3745% | 2,129 |
| Memoranda: | ||
| Average total assets | $32,400,578,500 | 72 |
| Average earning assets | $31,794,689,000 | 65 |
| Average equity | $2,386,501,500 | 99 |
| Average total loans | $22,779,571,000 | 63 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4857% | 4,847 |
| Cost of funding earning assets | 0.1730% | 4,670 |
| Net interest margin | 2.3127% | 4,714 |
| Noninterest income to average assets | 0.0918% | 4,765 |
| Noninterest expense to average assets | 1.0335% | 4,927 |
| Loan and lease loss provision to assets | 0.8246% | 146 |
| Net operating income to assets | 0.4329% | 4,175 |
| Return on assets (ROA) | 0.4346% | 4,257 |
| Pretax return on assets | 0.5033% | 4,263 |
| Return on Equity (ROE) | 5.7104% | 3,679 |
| Retained earnings to average equity (ytd only) | 2.6725% | 3,519 |
| Net charge-offs to loans | 0.4480% | 371 |
| Credit loss provision to net charge-offs | 255.4971% | 1,911 |
| Earnings coverage of net charge-offs (x) | 4.1082% | 3,026 |
| Efficiency ratio | 43.8042% | 4,794 |
| Assets per employee ($millions) | 111.5918% | 16 |
| Cash dividends to net income (ytd only)* | 53.1988% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6933% | 1,054 |
| Loan loss allowance to noncurrent loans | 1,364.8814% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 3,871 |
| Noncurrent loans to loans | 0.1241% | 3,786 |
| Net loans and leases to total assets | 69.5264% | 1,618 |
| Net loans and leases to deposits | 78.4856% | 2,026 |
| Net loans and leases to core deposits | 81.1112% | 2,266 |
| Total domestic deposits to total assets | 88.5848% | 1,174 |
| Equity capital to assets | 7.4854% | 4,841 |
| Core capital (leverage) ratio | 7.4854% | 4,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3768% | 2,094 |
| Memoranda: | ||
| Average total assets | $30,276,397,800 | 72 |
| Average earning assets | $29,686,216,800 | 65 |
| Average equity | $2,304,258,800 | 99 |
| Average total loans | $21,812,973,600 | 64 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5864% | 4,885 |
| Cost of funding earning assets | 0.1844% | 4,719 |
| Net interest margin | 2.4019% | 4,720 |
| Noninterest income to average assets | 0.0865% | 4,801 |
| Noninterest expense to average assets | 1.1215% | 4,954 |
| Loan and lease loss provision to assets | 1.0500% | 119 |
| Net operating income to assets | 0.2664% | 4,496 |
| Return on assets (ROA) | 0.2658% | 4,542 |
| Pretax return on assets | 0.2691% | 4,583 |
| Return on Equity (ROE) | 3.4779% | 4,293 |
| Retained earnings to average equity (ytd only) | -0.5989% | 4,567 |
| Net charge-offs to loans | 0.5994% | 238 |
| Credit loss provision to net charge-offs | 241.9889% | 1,954 |
| Earnings coverage of net charge-offs (x) | 3.0413% | 2,940 |
| Efficiency ratio | 45.9406% | 4,715 |
| Assets per employee ($millions) | 108.1641% | 16 |
| Cash dividends to net income (ytd only)* | 117.2196% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6439% | 992 |
| Loan loss allowance to noncurrent loans | 1,164.0127% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 3,910 |
| Noncurrent loans to loans | 0.1412% | 3,818 |
| Net loans and leases to total assets | 69.2421% | 2,068 |
| Net loans and leases to deposits | 78.5389% | 2,470 |
| Net loans and leases to core deposits | 81.5937% | 2,688 |
| Total domestic deposits to total assets | 88.1628% | 1,142 |
| Equity capital to assets | 7.5641% | 4,843 |
| Core capital (leverage) ratio | 7.7036% | 4,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2776% | 2,075 |
| Memoranda: | ||
| Average total assets | $29,950,378,000 | 72 |
| Average earning assets | $29,360,421,000 | 64 |
| Average equity | $2,289,340,750 | 98 |
| Average total loans | $21,682,478,000 | 63 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7708% | 4,917 |
| Cost of funding earning assets | 0.2005% | 4,766 |
| Net interest margin | 2.5703% | 4,683 |
| Noninterest income to average assets | 0.0898% | 4,813 |
| Noninterest expense to average assets | 1.1399% | 4,986 |
| Loan and lease loss provision to assets | 1.2791% | 123 |
| Net operating income to assets | 0.1843% | 4,593 |
| Return on assets (ROA) | 0.1838% | 4,634 |
| Pretax return on assets | 0.1909% | 4,641 |
| Return on Equity (ROE) | 2.3958% | 4,459 |
| Retained earnings to average equity (ytd only) | -3.7428% | 4,709 |
| Net charge-offs to loans | 0.6605% | 239 |
| Credit loss provision to net charge-offs | 265.0059% | 1,706 |
| Earnings coverage of net charge-offs (x) | 3.0467% | 2,713 |
| Efficiency ratio | 43.6672% | 4,822 |
| Assets per employee ($millions) | 102.3452% | 16 |
| Cash dividends to net income (ytd only)* | 256.2225% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5487% | 1,128 |
| Loan loss allowance to noncurrent loans | 1,571.9384% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 4,127 |
| Noncurrent loans to loans | 0.0985% | 4,059 |
| Net loans and leases to total assets | 73.0171% | 1,553 |
| Net loans and leases to deposits | 83.0404% | 2,092 |
| Net loans and leases to core deposits | 86.7073% | 2,379 |
| Total domestic deposits to total assets | 87.9296% | 1,217 |
| Equity capital to assets | 7.8414% | 4,791 |
| Core capital (leverage) ratio | 7.5690% | 4,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0611% | 2,154 |
| Memoranda: | ||
| Average total assets | $29,730,355,667 | 72 |
| Average earning assets | $29,157,446,000 | 66 |
| Average equity | $2,280,648,333 | 99 |
| Average total loans | $21,726,782,667 | 64 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0305% | 4,942 |
| Cost of funding earning assets | 0.2390% | 4,800 |
| Net interest margin | 2.7915% | 4,574 |
| Noninterest income to average assets | 0.0618% | 4,944 |
| Noninterest expense to average assets | 1.1525% | 5,033 |
| Loan and lease loss provision to assets | 1.4489% | 110 |
| Net operating income to assets | 0.1864% | 4,544 |
| Return on assets (ROA) | 0.1790% | 4,565 |
| Pretax return on assets | 0.1938% | 4,572 |
| Return on Equity (ROE) | 2.3589% | 4,374 |
| Retained earnings to average equity (ytd only) | -9.9143% | 4,764 |
| Net charge-offs to loans | 0.0001% | 2,580 |
| Credit loss provision to net charge-offs | 2,722,425.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 31,017.2500% | 1 |
| Efficiency ratio | 41.1127% | 4,964 |
| Assets per employee ($millions) | 120.2015% | 14 |
| Cash dividends to net income (ytd only)* | 520.2914% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 1,469 |
| Loan loss allowance to noncurrent loans | 1,338.2732% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0813% | 4,203 |
| Noncurrent loans to loans | 0.1094% | 4,079 |
| Net loans and leases to total assets | 64.7355% | 2,976 |
| Net loans and leases to deposits | 72.1379% | 3,422 |
| Net loans and leases to core deposits | 74.9747% | 3,570 |
| Total domestic deposits to total assets | 89.7385% | 402 |
| Equity capital to assets | 6.7236% | 5,080 |
| Core capital (leverage) ratio | 8.1027% | 4,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9391% | 2,316 |
| Memoranda: | ||
| Average total assets | $30,062,509,000 | 71 |
| Average earning assets | $29,525,323,000 | 63 |
| Average equity | $2,281,385,500 | 98 |
| Average total loans | $21,811,647,000 | 61 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8502% | 4,504 |
| Cost of funding earning assets | 0.5334% | 3,958 |
| Net interest margin | 3.3168% | 3,953 |
| Noninterest income to average assets | 0.1013% | 4,924 |
| Noninterest expense to average assets | 1.2331% | 5,086 |
| Loan and lease loss provision to assets | 0.0116% | 3,782 |
| Net operating income to assets | 1.6359% | 763 |
| Return on assets (ROA) | 1.6364% | 808 |
| Pretax return on assets | 2.1115% | 465 |
| Return on Equity (ROE) | 19.1088% | 263 |
| Retained earnings to average equity (ytd only) | 9.5227% | 587 |
| Net charge-offs to loans | 0.0338% | 2,710 |
| Credit loss provision to net charge-offs | 42.4299% | 3,185 |
| Earnings coverage of net charge-offs (x) | 77.3339% | 811 |
| Efficiency ratio | 36.7485% | 5,101 |
| Assets per employee ($millions) | 98.7634% | 16 |
| Cash dividends to net income (ytd only)* | 50.1660% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0030% | 3,491 |
| Loan loss allowance to noncurrent loans | 566.6754% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.1549% | 3,858 |
| Noncurrent loans to loans | 0.1770% | 3,826 |
| Net loans and leases to total assets | 80.4585% | 731 |
| Net loans and leases to deposits | 92.0363% | 1,365 |
| Net loans and leases to core deposits | 96.4013% | 1,867 |
| Total domestic deposits to total assets | 87.4204% | 1,399 |
| Equity capital to assets | 8.6889% | 4,833 |
| Core capital (leverage) ratio | 8.8245% | 4,652 |
| Tier 1 risk-based capital ratio | 13.2848% | 3,638 |
| Total risk-based capital ratio | 14.5354% | 3,521 |
| Memoranda: | ||
| Average total assets | $25,581,456,000 | 74 |
| Average earning assets | $25,100,216,800 | 70 |
| Average equity | $2,190,666,600 | 98 |
| Average total loans | $20,797,315,600 | 62 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9418% | 4,471 |
| Cost of funding earning assets | 0.6055% | 3,672 |
| Net interest margin | 3.3363% | 4,022 |
| Noninterest income to average assets | 0.1017% | 4,983 |
| Noninterest expense to average assets | 1.2169% | 5,168 |
| Loan and lease loss provision to assets | 0.0282% | 3,342 |
| Net operating income to assets | 1.6607% | 808 |
| Return on assets (ROA) | 1.6612% | 850 |
| Pretax return on assets | 2.1310% | 512 |
| Return on Equity (ROE) | 19.4727% | 283 |
| Retained earnings to average equity (ytd only) | 10.2282% | 700 |
| Net charge-offs to loans | 0.0430% | 2,237 |
| Credit loss provision to net charge-offs | 80.7015% | 2,495 |
| Earnings coverage of net charge-offs (x) | 61.8046% | 1,037 |
| Efficiency ratio | 36.0518% | 5,174 |
| Assets per employee ($millions) | 97.7395% | 16 |
| Cash dividends to net income (ytd only)* | 47.4745% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0342% | 3,375 |
| Loan loss allowance to noncurrent loans | 509.7917% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.1766% | 3,868 |
| Noncurrent loans to loans | 0.2029% | 3,816 |
| Net loans and leases to total assets | 81.2694% | 671 |
| Net loans and leases to deposits | 93.0781% | 1,312 |
| Net loans and leases to core deposits | 95.6233% | 2,035 |
| Total domestic deposits to total assets | 87.3131% | 1,366 |
| Equity capital to assets | 8.7444% | 4,903 |
| Core capital (leverage) ratio | 8.7967% | 4,776 |
| Tier 1 risk-based capital ratio | 13.2327% | 3,727 |
| Total risk-based capital ratio | 14.4838% | 3,630 |
| Memoranda: | ||
| Average total assets | $25,359,669,250 | 76 |
| Average earning assets | $24,884,383,750 | 71 |
| Average equity | $2,163,373,000 | 99 |
| Average total loans | $20,618,641,000 | 63 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9754% | 4,425 |
| Cost of funding earning assets | 0.6488% | 3,418 |
| Net interest margin | 3.3266% | 4,085 |
| Noninterest income to average assets | 0.1131% | 4,990 |
| Noninterest expense to average assets | 1.2123% | 5,223 |
| Loan and lease loss provision to assets | -0.0032% | 5,096 |
| Net operating income to assets | 1.6707% | 765 |
| Return on assets (ROA) | 1.6722% | 797 |
| Pretax return on assets | 2.1701% | 475 |
| Return on Equity (ROE) | 19.7703% | 272 |
| Retained earnings to average equity (ytd only) | 10.4036% | 653 |
| Net charge-offs to loans | 0.0438% | 2,022 |
| Credit loss provision to net charge-offs | -9.0199% | 3,756 |
| Earnings coverage of net charge-offs (x) | 61.0098% | 969 |
| Efficiency ratio | 35.8960% | 5,222 |
| Assets per employee ($millions) | 98.7246% | 16 |
| Cash dividends to net income (ytd only)* | 47.3774% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 3,456 |
| Loan loss allowance to noncurrent loans | 404.3504% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.2189% | 3,699 |
| Noncurrent loans to loans | 0.2541% | 3,624 |
| Net loans and leases to total assets | 80.6072% | 792 |
| Net loans and leases to deposits | 92.7240% | 1,410 |
| Net loans and leases to core deposits | 95.0019% | 2,156 |
| Total domestic deposits to total assets | 86.9324% | 1,627 |
| Equity capital to assets | 8.5622% | 5,017 |
| Core capital (leverage) ratio | 8.8364% | 4,763 |
| Tier 1 risk-based capital ratio | 12.8356% | 3,921 |
| Total risk-based capital ratio | 14.0864% | 3,829 |
| Memoranda: | ||
| Average total assets | $25,244,400,000 | 75 |
| Average earning assets | $24,770,363,000 | 70 |
| Average equity | $2,135,237,670 | 99 |
| Average total loans | $20,455,193,670 | 61 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0160% | 4,336 |
| Cost of funding earning assets | 0.6813% | 3,147 |
| Net interest margin | 3.3348% | 4,080 |
| Noninterest income to average assets | 0.1151% | 5,029 |
| Noninterest expense to average assets | 1.1388% | 5,295 |
| Loan and lease loss provision to assets | 0.0742% | 2,192 |
| Net operating income to assets | 1.6721% | 774 |
| Return on assets (ROA) | 1.6731% | 801 |
| Pretax return on assets | 2.1746% | 475 |
| Return on Equity (ROE) | 19.9064% | 271 |
| Retained earnings to average equity (ytd only) | 10.4006% | 946 |
| Net charge-offs to loans | 0.1109% | 1,072 |
| Credit loss provision to net charge-offs | 82.7451% | 1,766 |
| Earnings coverage of net charge-offs (x) | 25.0702% | 1,439 |
| Efficiency ratio | 33.6306% | 5,298 |
| Assets per employee ($millions) | 97.7434% | 16 |
| Cash dividends to net income (ytd only)* | 47.7528% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 3,271 |
| Loan loss allowance to noncurrent loans | 389.5687% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 3,647 |
| Noncurrent loans to loans | 0.2755% | 3,579 |
| Net loans and leases to total assets | 80.7853% | 743 |
| Net loans and leases to deposits | 92.4777% | 1,343 |
| Net loans and leases to core deposits | 94.9802% | 2,030 |
| Total domestic deposits to total assets | 87.3565% | 1,636 |
| Equity capital to assets | 8.5689% | 4,945 |
| Core capital (leverage) ratio | 8.5988% | 4,948 |
| Tier 1 risk-based capital ratio | 12.8380% | 3,960 |
| Total risk-based capital ratio | 14.0895% | 3,858 |
| Memoranda: | ||
| Average total assets | $25,032,406,500 | 76 |
| Average earning assets | $24,554,849,000 | 71 |
| Average equity | $2,103,962,500 | 99 |
| Average total loans | $20,230,110,000 | 63 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7916% | 4,505 |
| Cost of funding earning assets | 0.5116% | 3,277 |
| Net interest margin | 3.2800% | 4,307 |
| Noninterest income to average assets | 0.1115% | 5,118 |
| Noninterest expense to average assets | 1.0534% | 5,345 |
| Loan and lease loss provision to assets | 0.1560% | 1,339 |
| Net operating income to assets | 1.5762% | 937 |
| Return on assets (ROA) | 1.5756% | 925 |
| Pretax return on assets | 2.1177% | 421 |
| Return on Equity (ROE) | 18.5249% | 343 |
| Retained earnings to average equity (ytd only) | 12.3980% | 287 |
| Net charge-offs to loans | 0.0365% | 2,669 |
| Credit loss provision to net charge-offs | 516.4486% | 674 |
| Earnings coverage of net charge-offs (x) | 75.3058% | 897 |
| Efficiency ratio | 31.6544% | 5,360 |
| Assets per employee ($millions) | 97.8220% | 15 |
| Cash dividends to net income (ytd only)* | 33.0737% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 3,171 |
| Loan loss allowance to noncurrent loans | 461.9420% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 3,791 |
| Noncurrent loans to loans | 0.2360% | 3,738 |
| Net loans and leases to total assets | 79.1050% | 1,075 |
| Net loans and leases to deposits | 90.7745% | 1,703 |
| Net loans and leases to core deposits | 92.8160% | 2,339 |
| Total domestic deposits to total assets | 87.1444% | 1,707 |
| Equity capital to assets | 8.2424% | 5,068 |
| Core capital (leverage) ratio | 8.5265% | 5,016 |
| Tier 1 risk-based capital ratio | 12.6823% | 4,024 |
| Total risk-based capital ratio | 13.9342% | 3,912 |
| Memoranda: | ||
| Average total assets | $23,027,697,400 | 78 |
| Average earning assets | $22,581,051,600 | 73 |
| Average equity | $1,958,585,000 | 100 |
| Average total loans | $19,049,100,800 | 64 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7285% | 4,597 |
| Cost of funding earning assets | 0.4500% | 3,521 |
| Net interest margin | 3.2785% | 4,340 |
| Noninterest income to average assets | 0.1173% | 5,145 |
| Noninterest expense to average assets | 0.9790% | 5,426 |
| Loan and lease loss provision to assets | 0.1154% | 1,756 |
| Net operating income to assets | 1.6476% | 848 |
| Return on assets (ROA) | 1.6476% | 859 |
| Pretax return on assets | 2.2378% | 376 |
| Return on Equity (ROE) | 19.2051% | 322 |
| Retained earnings to average equity (ytd only) | 13.6790% | 283 |
| Net charge-offs to loans | 0.0538% | 2,050 |
| Credit loss provision to net charge-offs | 256.6719% | 1,153 |
| Earnings coverage of net charge-offs (x) | 52.3589% | 1,143 |
| Efficiency ratio | 29.3814% | 5,436 |
| Assets per employee ($millions) | 93.9464% | 15 |
| Cash dividends to net income (ytd only)* | 28.7741% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 3,596 |
| Loan loss allowance to noncurrent loans | 826.5726% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 4,367 |
| Noncurrent loans to loans | 0.1244% | 4,331 |
| Net loans and leases to total assets | 84.1125% | 448 |
| Net loans and leases to deposits | 96.5256% | 1,090 |
| Net loans and leases to core deposits | 98.6631% | 1,890 |
| Total domestic deposits to total assets | 87.1401% | 1,672 |
| Equity capital to assets | 8.7082% | 4,790 |
| Core capital (leverage) ratio | 8.7588% | 4,916 |
| Tier 1 risk-based capital ratio | 12.6587% | 4,110 |
| Total risk-based capital ratio | 13.9097% | 4,006 |
| Memoranda: | ||
| Average total assets | $22,499,557,750 | 79 |
| Average earning assets | $22,062,661,500 | 73 |
| Average equity | $1,930,190,000 | 98 |
| Average total loans | $18,784,786,000 | 64 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6191% | 4,737 |
| Cost of funding earning assets | 0.3827% | 3,850 |
| Net interest margin | 3.2364% | 4,422 |
| Noninterest income to average assets | 0.1229% | 5,182 |
| Noninterest expense to average assets | 0.9601% | 5,493 |
| Loan and lease loss provision to assets | 0.1148% | 1,727 |
| Net operating income to assets | 1.6445% | 810 |
| Return on assets (ROA) | 1.6445% | 820 |
| Pretax return on assets | 2.2209% | 375 |
| Return on Equity (ROE) | 19.2705% | 312 |
| Retained earnings to average equity (ytd only) | 15.0600% | 196 |
| Net charge-offs to loans | 0.0787% | 1,536 |
| Credit loss provision to net charge-offs | 175.7947% | 1,418 |
| Earnings coverage of net charge-offs (x) | 35.7802% | 1,374 |
| Efficiency ratio | 29.1313% | 5,499 |
| Assets per employee ($millions) | 96.5845% | 14 |
| Cash dividends to net income (ytd only)* | 21.8494% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0225% | 3,703 |
| Loan loss allowance to noncurrent loans | 568.4392% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 4,176 |
| Noncurrent loans to loans | 0.1799% | 4,100 |
| Net loans and leases to total assets | 82.6019% | 640 |
| Net loans and leases to deposits | 96.6128% | 1,084 |
| Net loans and leases to core deposits | 98.6516% | 1,839 |
| Total domestic deposits to total assets | 85.4979% | 2,497 |
| Equity capital to assets | 8.5595% | 4,902 |
| Core capital (leverage) ratio | 8.9159% | 4,757 |
| Tier 1 risk-based capital ratio | 12.5180% | 4,174 |
| Total risk-based capital ratio | 13.7687% | 4,072 |
| Memoranda: | ||
| Average total assets | $22,264,489,670 | 79 |
| Average earning assets | $21,827,593,330 | 72 |
| Average equity | $1,900,017,000 | 98 |
| Average total loans | $18,472,764,670 | 66 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5379% | 4,808 |
| Cost of funding earning assets | 0.3263% | 4,156 |
| Net interest margin | 3.2116% | 4,421 |
| Noninterest income to average assets | 0.1191% | 5,256 |
| Noninterest expense to average assets | 0.9714% | 5,560 |
| Loan and lease loss provision to assets | 0.1379% | 1,369 |
| Net operating income to assets | 1.6022% | 857 |
| Return on assets (ROA) | 1.6022% | 859 |
| Pretax return on assets | 2.1565% | 410 |
| Return on Equity (ROE) | 18.8047% | 331 |
| Retained earnings to average equity (ytd only) | 18.8047% | 129 |
| Net charge-offs to loans | 0.0799% | 1,331 |
| Credit loss provision to net charge-offs | 208.4783% | 1,021 |
| Earnings coverage of net charge-offs (x) | 34.6965% | 1,153 |
| Efficiency ratio | 29.7444% | 5,562 |
| Assets per employee ($millions) | 95.8068% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 3,588 |
| Loan loss allowance to noncurrent loans | 563.1723% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 4,212 |
| Noncurrent loans to loans | 0.1886% | 4,118 |
| Net loans and leases to total assets | 82.7307% | 568 |
| Net loans and leases to deposits | 95.7970% | 1,057 |
| Net loans and leases to core deposits | 97.6350% | 1,859 |
| Total domestic deposits to total assets | 86.3604% | 2,380 |
| Equity capital to assets | 8.7096% | 4,819 |
| Core capital (leverage) ratio | 8.7593% | 4,937 |
| Tier 1 risk-based capital ratio | 12.4994% | 4,239 |
| Total risk-based capital ratio | 13.7505% | 4,143 |
| Memoranda: | ||
| Average total assets | $21,903,175,500 | 81 |
| Average earning assets | $21,460,465,500 | 74 |
| Average equity | $1,866,237,500 | 99 |
| Average total loans | $18,117,165,500 | 68 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2945% | 5,086 |
| Cost of funding earning assets | 0.2122% | 4,853 |
| Net interest margin | 3.0823% | 4,725 |
| Noninterest income to average assets | 0.0756% | 5,471 |
| Noninterest expense to average assets | 0.9230% | 5,625 |
| Loan and lease loss provision to assets | 0.0750% | 2,700 |
| Net operating income to assets | 1.2963% | 1,231 |
| Return on assets (ROA) | 1.2984% | 1,241 |
| Pretax return on assets | 2.0911% | 400 |
| Return on Equity (ROE) | 14.6738% | 661 |
| Retained earnings to average equity (ytd only) | 6.2202% | 1,426 |
| Net charge-offs to loans | 0.1328% | 1,723 |
| Credit loss provision to net charge-offs | 67.3080% | 3,128 |
| Earnings coverage of net charge-offs (x) | 19.4076% | 2,022 |
| Efficiency ratio | 29.9098% | 5,628 |
| Assets per employee ($millions) | 97.1849% | 15 |
| Cash dividends to net income (ytd only)* | 57.6105% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0692% | 3,505 |
| Loan loss allowance to noncurrent loans | 498.1872% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.1952% | 4,160 |
| Noncurrent loans to loans | 0.2146% | 4,054 |
| Net loans and leases to total assets | 80.9330% | 844 |
| Net loans and leases to deposits | 93.2832% | 1,359 |
| Net loans and leases to core deposits | 94.9166% | 2,117 |
| Total domestic deposits to total assets | 86.7606% | 2,105 |
| Equity capital to assets | 8.3306% | 5,242 |
| Core capital (leverage) ratio | 8.5618% | 5,084 |
| Tier 1 risk-based capital ratio | 12.1772% | 4,412 |
| Total risk-based capital ratio | 13.4284% | 4,304 |
| Memoranda: | ||
| Average total assets | $20,053,384,400 | 81 |
| Average earning assets | $19,584,040,400 | 76 |
| Average equity | $1,774,374,400 | 100 |
| Average total loans | $16,822,990,600 | 69 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2711% | 5,149 |
| Cost of funding earning assets | 0.2001% | 4,975 |
| Net interest margin | 3.0710% | 4,773 |
| Noninterest income to average assets | 0.0891% | 5,511 |
| Noninterest expense to average assets | 0.9187% | 5,689 |
| Loan and lease loss provision to assets | 0.0954% | 2,190 |
| Net operating income to assets | 1.4018% | 1,084 |
| Return on assets (ROA) | 1.4049% | 1,100 |
| Pretax return on assets | 2.0760% | 469 |
| Return on Equity (ROE) | 15.6225% | 572 |
| Retained earnings to average equity (ytd only) | 8.0579% | 1,199 |
| Net charge-offs to loans | 0.1792% | 1,174 |
| Credit loss provision to net charge-offs | 63.0269% | 2,771 |
| Earnings coverage of net charge-offs (x) | 14.3142% | 2,294 |
| Efficiency ratio | 29.7739% | 5,692 |
| Assets per employee ($millions) | 95.7923% | 15 |
| Cash dividends to net income (ytd only)* | 48.4210% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 3,445 |
| Loan loss allowance to noncurrent loans | 488.6887% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.2093% | 4,239 |
| Noncurrent loans to loans | 0.2266% | 4,160 |
| Net loans and leases to total assets | 81.4396% | 775 |
| Net loans and leases to deposits | 94.6083% | 1,234 |
| Net loans and leases to core deposits | 96.2584% | 2,042 |
| Total domestic deposits to total assets | 86.0808% | 2,275 |
| Equity capital to assets | 8.7313% | 5,131 |
| Core capital (leverage) ratio | 8.9246% | 4,829 |
| Tier 1 risk-based capital ratio | 12.5147% | 4,305 |
| Total risk-based capital ratio | 13.7663% | 4,217 |
| Memoranda: | ||
| Average total assets | $19,600,082,500 | 82 |
| Average earning assets | $19,124,699,000 | 77 |
| Average equity | $1,762,564,000 | 100 |
| Average total loans | $16,556,596,500 | 68 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2077% | 5,228 |
| Cost of funding earning assets | 0.1693% | 5,212 |
| Net interest margin | 3.0384% | 4,820 |
| Noninterest income to average assets | 0.0721% | 5,593 |
| Noninterest expense to average assets | 0.8925% | 5,748 |
| Loan and lease loss provision to assets | 0.1475% | 1,378 |
| Net operating income to assets | 1.3091% | 1,274 |
| Return on assets (ROA) | 1.3136% | 1,292 |
| Pretax return on assets | 2.0019% | 527 |
| Return on Equity (ROE) | 14.4554% | 744 |
| Retained earnings to average equity (ytd only) | 5.8462% | 2,201 |
| Net charge-offs to loans | 0.2527% | 811 |
| Credit loss provision to net charge-offs | 68.4700% | 2,395 |
| Earnings coverage of net charge-offs (x) | 9.9473% | 2,386 |
| Efficiency ratio | 29.4077% | 5,742 |
| Assets per employee ($millions) | 95.1853% | 16 |
| Cash dividends to net income (ytd only)* | 59.5574% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 3,372 |
| Loan loss allowance to noncurrent loans | 444.3999% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 4,208 |
| Noncurrent loans to loans | 0.2563% | 4,123 |
| Net loans and leases to total assets | 82.4122% | 617 |
| Net loans and leases to deposits | 95.4760% | 1,121 |
| Net loans and leases to core deposits | 97.0775% | 1,884 |
| Total domestic deposits to total assets | 86.3173% | 2,235 |
| Equity capital to assets | 8.7834% | 5,077 |
| Core capital (leverage) ratio | 9.3106% | 4,357 |
| Tier 1 risk-based capital ratio | 12.4243% | 4,342 |
| Total risk-based capital ratio | 13.6763% | 4,234 |
| Memoranda: | ||
| Average total assets | $19,172,536,000 | 84 |
| Average earning assets | $18,696,407,670 | 79 |
| Average equity | $1,742,305,000 | 100 |
| Average total loans | $16,343,049,670 | 68 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2053% | 5,243 |
| Cost of funding earning assets | 0.1610% | 5,295 |
| Net interest margin | 3.0443% | 4,802 |
| Noninterest income to average assets | 0.0607% | 5,704 |
| Noninterest expense to average assets | 0.8874% | 5,819 |
| Loan and lease loss provision to assets | 0.1699% | 1,042 |
| Net operating income to assets | 1.2712% | 1,319 |
| Return on assets (ROA) | 1.2700% | 1,356 |
| Pretax return on assets | 1.9692% | 538 |
| Return on Equity (ROE) | 13.7268% | 857 |
| Retained earnings to average equity (ytd only) | 2.1477% | 4,282 |
| Net charge-offs to loans | 0.4840% | 381 |
| Credit loss provision to net charge-offs | 40.6856% | 2,057 |
| Earnings coverage of net charge-offs (x) | 5.1281% | 2,316 |
| Efficiency ratio | 29.3020% | 5,804 |
| Assets per employee ($millions) | 95.4168% | 16 |
| Cash dividends to net income (ytd only)* | 84.3540% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1510% | 3,408 |
| Loan loss allowance to noncurrent loans | 307.1918% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 3,829 |
| Noncurrent loans to loans | 0.3747% | 3,751 |
| Net loans and leases to total assets | 83.3979% | 423 |
| Net loans and leases to deposits | 95.9500% | 937 |
| Net loans and leases to core deposits | 97.5773% | 1,694 |
| Total domestic deposits to total assets | 86.9180% | 2,257 |
| Equity capital to assets | 9.0354% | 4,772 |
| Core capital (leverage) ratio | 9.3255% | 4,312 |
| Tier 1 risk-based capital ratio | 12.4069% | 4,443 |
| Total risk-based capital ratio | 13.6588% | 4,346 |
| Memoranda: | ||
| Average total assets | $18,669,167,500 | 85 |
| Average earning assets | $18,199,363,500 | 79 |
| Average equity | $1,727,248,000 | 99 |
| Average total loans | $16,103,677,500 | 68 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2589% | 5,223 |
| Cost of funding earning assets | 0.1548% | 5,387 |
| Net interest margin | 3.1041% | 4,716 |
| Noninterest income to average assets | 0.0963% | 5,655 |
| Noninterest expense to average assets | 0.8027% | 5,877 |
| Loan and lease loss provision to assets | 0.0789% | 2,785 |
| Net operating income to assets | 1.4876% | 849 |
| Return on assets (ROA) | 1.4881% | 869 |
| Pretax return on assets | 2.2421% | 300 |
| Return on Equity (ROE) | 15.2970% | 588 |
| Retained earnings to average equity (ytd only) | 9.1600% | 557 |
| Net charge-offs to loans | 0.0072% | 4,013 |
| Credit loss provision to net charge-offs | 1,220.4063% | 319 |
| Earnings coverage of net charge-offs (x) | 358.8449% | 223 |
| Efficiency ratio | 25.7029% | 5,880 |
| Assets per employee ($millions) | 87.3056% | 18 |
| Cash dividends to net income (ytd only)* | 40.1188% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 2,917 |
| Loan loss allowance to noncurrent loans | 291.3457% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.3993% | 3,669 |
| Noncurrent loans to loans | 0.4234% | 3,623 |
| Net loans and leases to total assets | 87.1648% | 169 |
| Net loans and leases to deposits | 101.5050% | 568 |
| Net loans and leases to core deposits | 103.3621% | 1,334 |
| Total domestic deposits to total assets | 85.8725% | 2,645 |
| Equity capital to assets | 9.4805% | 4,289 |
| Core capital (leverage) ratio | 9.6766% | 3,881 |
| Tier 1 risk-based capital ratio | 12.4750% | 4,388 |
| Total risk-based capital ratio | 13.7280% | 4,278 |
| Memoranda: | ||
| Average total assets | $16,749,720,000 | 84 |
| Average earning assets | $16,331,291,400 | 82 |
| Average equity | $1,629,475,000 | 100 |
| Average total loans | $14,978,473,600 | 68 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2644% | 5,257 |
| Cost of funding earning assets | 0.1566% | 5,436 |
| Net interest margin | 3.1078% | 4,752 |
| Noninterest income to average assets | 0.1022% | 5,702 |
| Noninterest expense to average assets | 0.8106% | 5,943 |
| Loan and lease loss provision to assets | 0.1159% | 1,994 |
| Net operating income to assets | 1.4719% | 926 |
| Return on assets (ROA) | 1.4727% | 969 |
| Pretax return on assets | 2.2071% | 384 |
| Return on Equity (ROE) | 15.0320% | 662 |
| Retained earnings to average equity (ytd only) | 8.8072% | 876 |
| Net charge-offs to loans | 0.0243% | 3,180 |
| Credit loss provision to net charge-offs | 530.7893% | 674 |
| Earnings coverage of net charge-offs (x) | 106.3088% | 630 |
| Efficiency ratio | 25.8785% | 5,950 |
| Assets per employee ($millions) | 79.4985% | 18 |
| Cash dividends to net income (ytd only)* | 41.4104% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2810% | 2,795 |
| Loan loss allowance to noncurrent loans | 243.0584% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.5038% | 3,433 |
| Noncurrent loans to loans | 0.5270% | 3,415 |
| Net loans and leases to total assets | 89.4082% | 81 |
| Net loans and leases to deposits | 104.0726% | 452 |
| Net loans and leases to core deposits | 106.2991% | 1,165 |
| Total domestic deposits to total assets | 85.9094% | 2,405 |
| Equity capital to assets | 9.7496% | 4,420 |
| Core capital (leverage) ratio | 9.9174% | 3,672 |
| Tier 1 risk-based capital ratio | 12.7205% | 4,329 |
| Total risk-based capital ratio | 13.9745% | 4,240 |
| Memoranda: | ||
| Average total assets | $16,397,259,250 | 86 |
| Average earning assets | $15,988,072,750 | 83 |
| Average equity | $1,606,440,000 | 100 |
| Average total loans | $14,716,484,000 | 69 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2580% | 5,351 |
| Cost of funding earning assets | 0.1540% | 5,521 |
| Net interest margin | 3.1040% | 4,823 |
| Noninterest income to average assets | 0.0821% | 5,836 |
| Noninterest expense to average assets | 0.7973% | 6,023 |
| Loan and lease loss provision to assets | 0.1616% | 1,402 |
| Net operating income to assets | 1.4345% | 997 |
| Return on assets (ROA) | 1.4345% | 1,045 |
| Pretax return on assets | 2.1500% | 416 |
| Return on Equity (ROE) | 14.6174% | 729 |
| Retained earnings to average equity (ytd only) | 8.3243% | 1,062 |
| Net charge-offs to loans | 0.0304% | 2,866 |
| Credit loss provision to net charge-offs | 594.8613% | 577 |
| Earnings coverage of net charge-offs (x) | 85.1041% | 671 |
| Efficiency ratio | 25.6456% | 6,025 |
| Assets per employee ($millions) | 85.1807% | 18 |
| Cash dividends to net income (ytd only)* | 43.0522% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 2,718 |
| Loan loss allowance to noncurrent loans | 242.0452% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.5184% | 3,482 |
| Noncurrent loans to loans | 0.5424% | 3,444 |
| Net loans and leases to total assets | 89.0988% | 96 |
| Net loans and leases to deposits | 103.9205% | 465 |
| Net loans and leases to core deposits | 106.3479% | 1,150 |
| Total domestic deposits to total assets | 85.7374% | 2,544 |
| Equity capital to assets | 9.7230% | 4,538 |
| Core capital (leverage) ratio | 10.0919% | 3,455 |
| Tier 1 risk-based capital ratio | 12.7032% | 4,383 |
| Total risk-based capital ratio | 13.9575% | 4,284 |
| Memoranda: | ||
| Average total assets | $16,192,117,330 | 86 |
| Average earning assets | $15,788,893,000 | 84 |
| Average equity | $1,589,032,330 | 102 |
| Average total loans | $14,485,941,000 | 73 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2661% | 5,382 |
| Cost of funding earning assets | 0.1552% | 5,572 |
| Net interest margin | 3.1108% | 4,831 |
| Noninterest income to average assets | 0.0966% | 5,835 |
| Noninterest expense to average assets | 0.7607% | 6,094 |
| Loan and lease loss provision to assets | 0.2410% | 749 |
| Net operating income to assets | 1.4219% | 1,004 |
| Return on assets (ROA) | 1.4219% | 1,052 |
| Pretax return on assets | 2.1306% | 433 |
| Return on Equity (ROE) | 14.4194% | 758 |
| Retained earnings to average equity (ytd only) | 8.0744% | 1,426 |
| Net charge-offs to loans | 0.0426% | 2,149 |
| Credit loss provision to net charge-offs | 635.1583% | 506 |
| Earnings coverage of net charge-offs (x) | 62.5086% | 755 |
| Efficiency ratio | 24.2847% | 6,094 |
| Assets per employee ($millions) | 84.6220% | 21 |
| Cash dividends to net income (ytd only)* | 44.0032% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3355% | 2,732 |
| Loan loss allowance to noncurrent loans | 326.8376% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 3,995 |
| Noncurrent loans to loans | 0.4086% | 3,970 |
| Net loans and leases to total assets | 89.7142% | 67 |
| Net loans and leases to deposits | 104.8954% | 373 |
| Net loans and leases to core deposits | 107.5650% | 988 |
| Total domestic deposits to total assets | 85.5273% | 2,905 |
| Equity capital to assets | 9.9232% | 4,184 |
| Core capital (leverage) ratio | 10.0605% | 3,460 |
| Tier 1 risk-based capital ratio | 12.6933% | 4,463 |
| Total risk-based capital ratio | 13.9476% | 4,370 |
| Memoranda: | ||
| Average total assets | $15,983,058,500 | 87 |
| Average earning assets | $15,596,633,500 | 86 |
| Average equity | $1,576,046,000 | 100 |
| Average total loans | $14,230,712,500 | 73 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0486% | 5,690 |
| Cost of funding earning assets | 0.0971% | 5,975 |
| Net interest margin | 2.9515% | 5,245 |
| Noninterest income to average assets | 0.0649% | 5,965 |
| Noninterest expense to average assets | 0.7903% | 6,142 |
| Loan and lease loss provision to assets | 0.1958% | 1,111 |
| Net operating income to assets | 1.2673% | 1,346 |
| Return on assets (ROA) | 1.2648% | 1,402 |
| Pretax return on assets | 1.9519% | 597 |
| Return on Equity (ROE) | 12.2823% | 1,233 |
| Retained earnings to average equity (ytd only) | 12.2823% | 236 |
| Net charge-offs to loans | -0.0182% | 5,243 |
| Credit loss provision to net charge-offs | -1,215.5642% | 5,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.8620% | 6,150 |
| Assets per employee ($millions) | 86.8074% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 2,744 |
| Loan loss allowance to noncurrent loans | 370.0225% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.3384% | 4,235 |
| Noncurrent loans to loans | 0.3601% | 4,163 |
| Net loans and leases to total assets | 85.9803% | 234 |
| Net loans and leases to deposits | 100.6051% | 638 |
| Net loans and leases to core deposits | 103.2470% | 1,282 |
| Total domestic deposits to total assets | 85.4632% | 2,882 |
| Equity capital to assets | 9.7982% | 4,191 |
| Core capital (leverage) ratio | 10.6764% | 2,739 |
| Tier 1 risk-based capital ratio | 12.9062% | 4,384 |
| Total risk-based capital ratio | 14.1594% | 4,272 |
| Memoranda: | ||
| Average total assets | $14,356,536,600 | 94 |
| Average earning assets | $13,994,309,800 | 89 |
| Average equity | $1,478,364,000 | 102 |
| Average total loans | $12,696,127,200 | 75 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1015% | 5,710 |
| Cost of funding earning assets | 0.0908% | 6,087 |
| Net interest margin | 3.0107% | 5,161 |
| Noninterest income to average assets | 0.0688% | 6,048 |
| Noninterest expense to average assets | 0.8115% | 6,230 |
| Loan and lease loss provision to assets | 0.1357% | 1,650 |
| Net operating income to assets | 1.3140% | 1,297 |
| Return on assets (ROA) | 1.3106% | 1,362 |
| Pretax return on assets | 2.0485% | 544 |
| Return on Equity (ROE) | 12.5528% | 1,231 |
| Retained earnings to average equity (ytd only) | 12.5528% | 310 |
| Net charge-offs to loans | -0.0284% | 5,334 |
| Credit loss provision to net charge-offs | -538.6803% | 5,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.0406% | 6,236 |
| Assets per employee ($millions) | 80.5793% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 3,042 |
| Loan loss allowance to noncurrent loans | 327.3665% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.3904% | 4,206 |
| Noncurrent loans to loans | 0.3998% | 4,183 |
| Net loans and leases to total assets | 88.5621% | 109 |
| Net loans and leases to deposits | 104.9311% | 408 |
| Net loans and leases to core deposits | 107.9398% | 981 |
| Total domestic deposits to total assets | 84.4002% | 3,258 |
| Equity capital to assets | 10.3595% | 3,747 |
| Core capital (leverage) ratio | 10.9224% | 2,571 |
| Tier 1 risk-based capital ratio | 13.0403% | 4,405 |
| Total risk-based capital ratio | 14.2934% | 4,322 |
| Memoranda: | ||
| Average total assets | $13,952,529,500 | 95 |
| Average earning assets | $13,589,450,250 | 92 |
| Average equity | $1,456,699,500 | 104 |
| Average total loans | $12,390,477,750 | 75 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1126% | 5,731 |
| Cost of funding earning assets | 0.0876% | 6,174 |
| Net interest margin | 3.0250% | 5,166 |
| Noninterest income to average assets | 0.0762% | 6,101 |
| Noninterest expense to average assets | 0.8221% | 6,305 |
| Loan and lease loss provision to assets | 0.0135% | 3,849 |
| Net operating income to assets | 1.4373% | 1,018 |
| Return on assets (ROA) | 1.4319% | 1,069 |
| Pretax return on assets | 2.1768% | 434 |
| Return on Equity (ROE) | 13.6775% | 965 |
| Retained earnings to average equity (ytd only) | 13.6775% | 254 |
| Net charge-offs to loans | -0.0599% | 5,613 |
| Credit loss provision to net charge-offs | -25.5507% | 4,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.2166% | 6,309 |
| Assets per employee ($millions) | 76.7689% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 3,158 |
| Loan loss allowance to noncurrent loans | 271.2583% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.4639% | 4,078 |
| Noncurrent loans to loans | 0.4848% | 4,021 |
| Net loans and leases to total assets | 87.2291% | 181 |
| Net loans and leases to deposits | 104.6430% | 423 |
| Net loans and leases to core deposits | 107.7999% | 966 |
| Total domestic deposits to total assets | 83.3587% | 3,810 |
| Equity capital to assets | 10.7621% | 3,151 |
| Core capital (leverage) ratio | 11.0547% | 2,376 |
| Tier 1 risk-based capital ratio | 13.5670% | 4,182 |
| Total risk-based capital ratio | 14.8213% | 4,106 |
| Memoranda: | ||
| Average total assets | $13,714,895,000 | 98 |
| Average earning assets | $13,349,569,670 | 94 |
| Average equity | $1,435,845,000 | 108 |
| Average total loans | $12,133,878,000 | 79 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0764% | 5,810 |
| Cost of funding earning assets | 0.0745% | 6,285 |
| Net interest margin | 3.0020% | 5,210 |
| Noninterest income to average assets | 0.0865% | 6,134 |
| Noninterest expense to average assets | 0.8083% | 6,389 |
| Loan and lease loss provision to assets | 0.1153% | 1,792 |
| Net operating income to assets | 1.3822% | 1,063 |
| Return on assets (ROA) | 1.3822% | 1,122 |
| Pretax return on assets | 2.0863% | 495 |
| Return on Equity (ROE) | 13.3916% | 1,013 |
| Retained earnings to average equity (ytd only) | 13.3916% | 408 |
| Net charge-offs to loans | -0.0043% | 4,462 |
| Credit loss provision to net charge-offs | -3,006.1069% | 5,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.8556% | 6,384 |
| Assets per employee ($millions) | 79.0970% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 3,346 |
| Loan loss allowance to noncurrent loans | 229.7711% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.5529% | 3,827 |
| Noncurrent loans to loans | 0.5698% | 3,878 |
| Net loans and leases to total assets | 87.6318% | 122 |
| Net loans and leases to deposits | 103.1474% | 406 |
| Net loans and leases to core deposits | 106.2410% | 918 |
| Total domestic deposits to total assets | 84.9579% | 3,433 |
| Equity capital to assets | 10.4072% | 3,638 |
| Core capital (leverage) ratio | 10.8444% | 2,579 |
| Tier 1 risk-based capital ratio | 11.5106% | 5,554 |
| Total risk-based capital ratio | 12.7640% | 5,466 |
| Memoranda: | ||
| Average total assets | $13,663,138,500 | 98 |
| Average earning assets | $13,305,954,500 | 94 |
| Average equity | $1,410,194,000 | 107 |
| Average total loans | $12,093,662,500 | 78 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0986% | 5,960 |
| Cost of funding earning assets | 0.0747% | 6,384 |
| Net interest margin | 3.0240% | 5,397 |
| Noninterest income to average assets | 0.0669% | 6,250 |
| Noninterest expense to average assets | 0.8035% | 6,469 |
| Loan and lease loss provision to assets | 0.1736% | 1,492 |
| Net operating income to assets | 1.3290% | 1,234 |
| Return on assets (ROA) | 1.3304% | 1,283 |
| Pretax return on assets | 2.0398% | 478 |
| Return on Equity (ROE) | 12.9618% | 1,152 |
| Retained earnings to average equity (ytd only) | 12.9618% | 229 |
| Net charge-offs to loans | 0.0180% | 4,494 |
| Credit loss provision to net charge-offs | 1,110.1668% | 253 |
| Earnings coverage of net charge-offs (x) | 141.3770% | 381 |
| Efficiency ratio | 26.6514% | 6,478 |
| Assets per employee ($millions) | 77.9505% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3100% | 3,367 |
| Loan loss allowance to noncurrent loans | 205.8579% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.6014% | 3,788 |
| Noncurrent loans to loans | 0.6364% | 3,777 |
| Net loans and leases to total assets | 87.0718% | 153 |
| Net loans and leases to deposits | 103.1441% | 468 |
| Net loans and leases to core deposits | 106.2502% | 1,004 |
| Total domestic deposits to total assets | 84.4176% | 3,548 |
| Equity capital to assets | 10.2338% | 3,819 |
| Core capital (leverage) ratio | 10.9291% | 2,471 |
| Tier 1 risk-based capital ratio | 11.3825% | 5,726 |
| Total risk-based capital ratio | 12.6354% | 5,648 |
| Memoranda: | ||
| Average total assets | $12,262,813,400 | 99 |
| Average earning assets | $11,953,807,600 | 96 |
| Average equity | $1,258,663,000 | 110 |
| Average total loans | $10,642,407,200 | 82 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1097% | 6,018 |
| Cost of funding earning assets | 0.0744% | 6,470 |
| Net interest margin | 3.0353% | 5,419 |
| Noninterest income to average assets | 0.0501% | 6,383 |
| Noninterest expense to average assets | 0.8020% | 6,552 |
| Loan and lease loss provision to assets | 0.1332% | 1,878 |
| Net operating income to assets | 1.3485% | 1,253 |
| Return on assets (ROA) | 1.3504% | 1,304 |
| Pretax return on assets | 2.0749% | 479 |
| Return on Equity (ROE) | 13.1455% | 1,188 |
| Retained earnings to average equity (ytd only) | 13.1455% | 315 |
| Net charge-offs to loans | 0.0264% | 3,979 |
| Credit loss provision to net charge-offs | 585.2797% | 505 |
| Earnings coverage of net charge-offs (x) | 96.8786% | 599 |
| Efficiency ratio | 26.6691% | 6,553 |
| Assets per employee ($millions) | 72.9529% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 3,508 |
| Loan loss allowance to noncurrent loans | 182.9468% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.6857% | 3,770 |
| Noncurrent loans to loans | 0.7259% | 3,788 |
| Net loans and leases to total assets | 87.3795% | 134 |
| Net loans and leases to deposits | 104.0472% | 402 |
| Net loans and leases to core deposits | 107.4378% | 873 |
| Total domestic deposits to total assets | 83.9806% | 3,776 |
| Equity capital to assets | 10.4408% | 3,633 |
| Core capital (leverage) ratio | 10.6819% | 2,834 |
| Tier 1 risk-based capital ratio | 11.2357% | 5,900 |
| Total risk-based capital ratio | 12.4883% | 5,841 |
| Memoranda: | ||
| Average total assets | $11,937,668,750 | 102 |
| Average earning assets | $11,629,617,250 | 100 |
| Average equity | $1,226,315,250 | 111 |
| Average total loans | $10,311,345,750 | 85 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0712% | 6,102 |
| Cost of funding earning assets | 0.0720% | 6,543 |
| Net interest margin | 2.9991% | 5,531 |
| Noninterest income to average assets | 0.0775% | 6,355 |
| Noninterest expense to average assets | 0.8226% | 6,617 |
| Loan and lease loss provision to assets | 0.1099% | 2,188 |
| Net operating income to assets | 1.3570% | 1,168 |
| Return on assets (ROA) | 1.3600% | 1,206 |
| Pretax return on assets | 2.0746% | 462 |
| Return on Equity (ROE) | 13.3167% | 1,093 |
| Retained earnings to average equity (ytd only) | 13.3167% | 307 |
| Net charge-offs to loans | 0.0444% | 3,346 |
| Credit loss provision to net charge-offs | 289.3178% | 884 |
| Earnings coverage of net charge-offs (x) | 57.4057% | 831 |
| Efficiency ratio | 27.3972% | 6,620 |
| Assets per employee ($millions) | 71.4183% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3532% | 3,573 |
| Loan loss allowance to noncurrent loans | 157.2742% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.7761% | 3,643 |
| Noncurrent loans to loans | 0.8604% | 3,548 |
| Net loans and leases to total assets | 85.4475% | 215 |
| Net loans and leases to deposits | 100.9530% | 507 |
| Net loans and leases to core deposits | 104.2514% | 999 |
| Total domestic deposits to total assets | 84.6408% | 3,663 |
| Equity capital to assets | 10.3332% | 3,646 |
| Core capital (leverage) ratio | 10.3518% | 3,137 |
| Tier 1 risk-based capital ratio | 11.3832% | 5,863 |
| Total risk-based capital ratio | 12.6367% | 5,810 |
| Memoranda: | ||
| Average total assets | $11,734,257,670 | 102 |
| Average earning assets | $11,444,404,670 | 100 |
| Average equity | $1,198,387,670 | 112 |
| Average total loans | $10,044,503,330 | 85 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0719% | 6,154 |
| Cost of funding earning assets | 0.0689% | 6,628 |
| Net interest margin | 3.0030% | 5,513 |
| Noninterest income to average assets | 0.0160% | 6,578 |
| Noninterest expense to average assets | 0.9093% | 6,690 |
| Loan and lease loss provision to assets | 0.0687% | 2,759 |
| Net operating income to assets | 1.3003% | 1,208 |
| Return on assets (ROA) | 1.3003% | 1,255 |
| Pretax return on assets | 1.9703% | 564 |
| Return on Equity (ROE) | 12.8121% | 1,208 |
| Retained earnings to average equity (ytd only) | 12.8121% | 510 |
| Net charge-offs to loans | 0.0747% | 2,400 |
| Credit loss provision to net charge-offs | 108.0240% | 1,557 |
| Earnings coverage of net charge-offs (x) | 32.0835% | 1,006 |
| Efficiency ratio | 30.8416% | 6,669 |
| Assets per employee ($millions) | 71.5121% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3569% | 3,811 |
| Loan loss allowance to noncurrent loans | 145.6538% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.8278% | 3,658 |
| Noncurrent loans to loans | 0.9316% | 3,556 |
| Net loans and leases to total assets | 84.9876% | 188 |
| Net loans and leases to deposits | 96.2182% | 644 |
| Net loans and leases to core deposits | 99.2145% | 1,155 |
| Total domestic deposits to total assets | 88.3279% | 2,040 |
| Equity capital to assets | 10.1888% | 3,610 |
| Core capital (leverage) ratio | 10.4163% | 3,025 |
| Tier 1 risk-based capital ratio | 11.2410% | 6,044 |
| Total risk-based capital ratio | 12.4949% | 5,993 |
| Memoranda: | ||
| Average total assets | $11,530,829,500 | 103 |
| Average earning assets | $11,259,020,500 | 99 |
| Average equity | $1,170,301,500 | 114 |
| Average total loans | $9,808,463,500 | 82 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3224% | 5,967 |
| Cost of funding earning assets | 0.0826% | 6,703 |
| Net interest margin | 3.2398% | 4,862 |
| Noninterest income to average assets | 0.0587% | 6,524 |
| Noninterest expense to average assets | 0.7680% | 6,774 |
| Loan and lease loss provision to assets | 0.0121% | 4,883 |
| Net operating income to assets | 1.5470% | 759 |
| Return on assets (ROA) | 1.5453% | 791 |
| Pretax return on assets | 2.4333% | 219 |
| Return on Equity (ROE) | 14.7753% | 807 |
| Retained earnings to average equity (ytd only) | 5.7164% | 2,151 |
| Net charge-offs to loans | 0.1198% | 3,615 |
| Credit loss provision to net charge-offs | 12.0229% | 4,563 |
| Earnings coverage of net charge-offs (x) | 24.2890% | 1,371 |
| Efficiency ratio | 23.8808% | 6,784 |
| Assets per employee ($millions) | 66.2481% | 21 |
| Cash dividends to net income (ytd only)* | 61.3113% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4615% | 3,372 |
| Loan loss allowance to noncurrent loans | 141.4857% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.8923% | 3,659 |
| Noncurrent loans to loans | 1.0330% | 3,448 |
| Net loans and leases to total assets | 82.6907% | 347 |
| Net loans and leases to deposits | 93.0125% | 959 |
| Net loans and leases to core deposits | 95.9901% | 1,459 |
| Total domestic deposits to total assets | 88.9027% | 1,693 |
| Equity capital to assets | 10.1079% | 3,625 |
| Core capital (leverage) ratio | 10.6766% | 2,695 |
| Tier 1 risk-based capital ratio | 11.4201% | 5,952 |
| Total risk-based capital ratio | 12.6754% | 5,886 |
| Memoranda: | ||
| Average total assets | $10,554,613,000 | 108 |
| Average earning assets | $10,286,348,800 | 102 |
| Average equity | $1,103,879,600 | 115 |
| Average total loans | $8,882,983,600 | 87 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4003% | 5,875 |
| Cost of funding earning assets | 0.0865% | 6,789 |
| Net interest margin | 3.3138% | 4,590 |
| Noninterest income to average assets | 0.0833% | 6,532 |
| Noninterest expense to average assets | 0.7446% | 6,855 |
| Loan and lease loss provision to assets | -0.0046% | 6,455 |
| Net operating income to assets | 1.6224% | 717 |
| Return on assets (ROA) | 1.6203% | 761 |
| Pretax return on assets | 2.5666% | 229 |
| Return on Equity (ROE) | 15.3527% | 740 |
| Retained earnings to average equity (ytd only) | 6.2227% | 2,276 |
| Net charge-offs to loans | 0.1667% | 2,893 |
| Credit loss provision to net charge-offs | -3.2757% | 5,581 |
| Earnings coverage of net charge-offs (x) | 18.2692% | 1,692 |
| Efficiency ratio | 22.4970% | 6,864 |
| Assets per employee ($millions) | 64.1051% | 26 |
| Cash dividends to net income (ytd only)* | 59.4686% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5238% | 3,361 |
| Loan loss allowance to noncurrent loans | 133.8809% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.9929% | 3,668 |
| Noncurrent loans to loans | 1.1382% | 3,528 |
| Net loans and leases to total assets | 83.9056% | 255 |
| Net loans and leases to deposits | 94.8397% | 768 |
| Net loans and leases to core deposits | 98.0010% | 1,246 |
| Total domestic deposits to total assets | 88.4710% | 1,854 |
| Equity capital to assets | 10.5271% | 3,246 |
| Core capital (leverage) ratio | 10.3694% | 3,144 |
| Tier 1 risk-based capital ratio | 11.7536% | 5,924 |
| Total risk-based capital ratio | 13.0095% | 5,876 |
| Memoranda: | ||
| Average total assets | $10,377,724,000 | 108 |
| Average earning assets | $10,104,619,250 | 104 |
| Average equity | $1,095,256,000 | 117 |
| Average total loans | $8,741,008,000 | 89 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4457% | 5,801 |
| Cost of funding earning assets | 0.0916% | 6,837 |
| Net interest margin | 3.3540% | 4,362 |
| Noninterest income to average assets | -0.0057% | 6,812 |
| Noninterest expense to average assets | 0.7633% | 6,906 |
| Loan and lease loss provision to assets | 0.0309% | 4,313 |
| Net operating income to assets | 1.5962% | 752 |
| Return on assets (ROA) | 1.5958% | 825 |
| Pretax return on assets | 2.4613% | 285 |
| Return on Equity (ROE) | 15.1070% | 792 |
| Retained earnings to average equity (ytd only) | 10.5259% | 737 |
| Net charge-offs to loans | 0.1580% | 2,838 |
| Credit loss provision to net charge-offs | 23.2881% | 3,686 |
| Earnings coverage of net charge-offs (x) | 18.8044% | 1,539 |
| Efficiency ratio | 23.4417% | 6,910 |
| Assets per employee ($millions) | 64.0224% | 26 |
| Cash dividends to net income (ytd only)* | 30.3247% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6123% | 3,105 |
| Loan loss allowance to noncurrent loans | 132.9300% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 1.0376% | 3,682 |
| Noncurrent loans to loans | 1.2129% | 3,527 |
| Net loans and leases to total assets | 82.2571% | 339 |
| Net loans and leases to deposits | 95.0011% | 737 |
| Net loans and leases to core deposits | 97.9701% | 1,219 |
| Total domestic deposits to total assets | 86.5854% | 3,072 |
| Equity capital to assets | 10.5430% | 3,244 |
| Core capital (leverage) ratio | 10.7256% | 2,644 |
| Tier 1 risk-based capital ratio | 12.0944% | 5,737 |
| Total risk-based capital ratio | 13.3493% | 5,685 |
| Memoranda: | ||
| Average total assets | $10,332,552,330 | 108 |
| Average earning assets | $10,048,940,000 | 103 |
| Average equity | $1,091,427,000 | 116 |
| Average total loans | $8,668,776,670 | 89 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5311% | 5,629 |
| Cost of funding earning assets | 0.0972% | 6,909 |
| Net interest margin | 3.4339% | 3,989 |
| Noninterest income to average assets | 0.0844% | 6,635 |
| Noninterest expense to average assets | 0.7576% | 6,984 |
| Loan and lease loss provision to assets | 0.1463% | 2,414 |
| Net operating income to assets | 1.6486% | 650 |
| Return on assets (ROA) | 1.6486% | 714 |
| Pretax return on assets | 2.5164% | 264 |
| Return on Equity (ROE) | 15.5919% | 665 |
| Retained earnings to average equity (ytd only) | 15.5919% | 306 |
| Net charge-offs to loans | 0.0627% | 3,192 |
| Credit loss provision to net charge-offs | 277.4313% | 854 |
| Earnings coverage of net charge-offs (x) | 50.4922% | 674 |
| Efficiency ratio | 22.1499% | 6,985 |
| Assets per employee ($millions) | 63.7643% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7543% | 2,787 |
| Loan loss allowance to noncurrent loans | 131.7813% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 1.1449% | 3,651 |
| Noncurrent loans to loans | 1.3313% | 3,568 |
| Net loans and leases to total assets | 81.4753% | 310 |
| Net loans and leases to deposits | 92.7438% | 745 |
| Net loans and leases to core deposits | 95.8193% | 1,210 |
| Total domestic deposits to total assets | 87.8498% | 2,414 |
| Equity capital to assets | 10.6699% | 3,349 |
| Core capital (leverage) ratio | 10.5214% | 2,748 |
| Tier 1 risk-based capital ratio | 12.1107% | 5,849 |
| Total risk-based capital ratio | 13.3669% | 5,794 |
| Memoranda: | ||
| Average total assets | $10,216,979,500 | 109 |
| Average earning assets | $9,925,634,000 | 104 |
| Average equity | $1,080,277,500 | 120 |
| Average total loans | $8,587,274,500 | 91 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8088% | 5,801 |
| Cost of funding earning assets | 0.1070% | 6,988 |
| Net interest margin | 3.7018% | 3,632 |
| Noninterest income to average assets | 0.1502% | 6,289 |
| Noninterest expense to average assets | 0.7694% | 7,033 |
| Loan and lease loss provision to assets | 0.2275% | 2,855 |
| Net operating income to assets | 1.7693% | 541 |
| Return on assets (ROA) | 1.7514% | 622 |
| Pretax return on assets | 2.7165% | 192 |
| Return on Equity (ROE) | 16.3514% | 607 |
| Retained earnings to average equity (ytd only) | 6.4095% | 1,864 |
| Net charge-offs to loans | 0.2646% | 3,353 |
| Credit loss provision to net charge-offs | 102.2107% | 2,949 |
| Earnings coverage of net charge-offs (x) | 13.3541% | 1,833 |
| Efficiency ratio | 20.5657% | 7,053 |
| Assets per employee ($millions) | 65.1880% | 26 |
| Cash dividends to net income (ytd only)* | 60.8014% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7196% | 2,863 |
| Loan loss allowance to noncurrent loans | 133.8022% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 1.1311% | 3,767 |
| Noncurrent loans to loans | 1.2852% | 3,691 |
| Net loans and leases to total assets | 83.7280% | 232 |
| Net loans and leases to deposits | 94.5526% | 717 |
| Net loans and leases to core deposits | 97.8433% | 1,155 |
| Total domestic deposits to total assets | 88.5518% | 1,872 |
| Equity capital to assets | 10.4746% | 3,554 |
| Core capital (leverage) ratio | 10.7307% | 2,514 |
| Tier 1 risk-based capital ratio | 11.8411% | 5,883 |
| Total risk-based capital ratio | 13.0973% | 5,839 |
| Memoranda: | ||
| Average total assets | $9,390,556,600 | 116 |
| Average earning assets | $9,109,502,400 | 110 |
| Average equity | $1,005,844,000 | 129 |
| Average total loans | $7,897,588,400 | 93 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8308% | 5,949 |
| Cost of funding earning assets | 0.1085% | 7,103 |
| Net interest margin | 3.7223% | 3,693 |
| Noninterest income to average assets | 0.1747% | 6,261 |
| Noninterest expense to average assets | 0.7753% | 7,144 |
| Loan and lease loss provision to assets | 0.2669% | 2,443 |
| Net operating income to assets | 1.7773% | 601 |
| Return on assets (ROA) | 1.7563% | 690 |
| Pretax return on assets | 2.7087% | 215 |
| Return on Equity (ROE) | 16.2981% | 694 |
| Retained earnings to average equity (ytd only) | 6.2249% | 2,545 |
| Net charge-offs to loans | 0.3198% | 2,844 |
| Credit loss provision to net charge-offs | 99.5734% | 3,017 |
| Earnings coverage of net charge-offs (x) | 11.2234% | 2,094 |
| Efficiency ratio | 20.4940% | 7,154 |
| Assets per employee ($millions) | 68.4272% | 24 |
| Cash dividends to net income (ytd only)* | 61.8057% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8128% | 2,757 |
| Loan loss allowance to noncurrent loans | 138.3270% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 1.1823% | 3,930 |
| Noncurrent loans to loans | 1.3105% | 3,851 |
| Net loans and leases to total assets | 82.2455% | 323 |
| Net loans and leases to deposits | 92.9193% | 879 |
| Net loans and leases to core deposits | 96.3636% | 1,386 |
| Total domestic deposits to total assets | 88.5128% | 1,716 |
| Equity capital to assets | 10.6873% | 3,621 |
| Core capital (leverage) ratio | 10.8642% | 2,530 |
| Tier 1 risk-based capital ratio | 12.0881% | 5,894 |
| Total risk-based capital ratio | 13.3450% | 5,867 |
| Memoranda: | ||
| Average total assets | $9,212,159,500 | 119 |
| Average earning assets | $8,930,463,000 | 111 |
| Average equity | $992,712,500 | 128 |
| Average total loans | $7,719,980,750 | 96 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8275% | 6,074 |
| Cost of funding earning assets | 0.1089% | 7,171 |
| Net interest margin | 3.7185% | 3,733 |
| Noninterest income to average assets | 0.1350% | 6,510 |
| Noninterest expense to average assets | 0.7853% | 7,210 |
| Loan and lease loss provision to assets | 0.3200% | 2,064 |
| Net operating income to assets | 1.6740% | 713 |
| Return on assets (ROA) | 1.6481% | 847 |
| Pretax return on assets | 2.5899% | 268 |
| Return on Equity (ROE) | 15.2492% | 894 |
| Retained earnings to average equity (ytd only) | -0.0966% | 6,059 |
| Net charge-offs to loans | 0.3390% | 2,665 |
| Credit loss provision to net charge-offs | 112.6080% | 2,419 |
| Earnings coverage of net charge-offs (x) | 10.3828% | 2,054 |
| Efficiency ratio | 21.0234% | 7,210 |
| Assets per employee ($millions) | 67.5085% | 23 |
| Cash dividends to net income (ytd only)* | 100.6333% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8664% | 2,655 |
| Loan loss allowance to noncurrent loans | 149.2402% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 1.1611% | 4,073 |
| Noncurrent loans to loans | 1.2506% | 4,047 |
| Net loans and leases to total assets | 83.5340% | 236 |
| Net loans and leases to deposits | 94.6960% | 718 |
| Net loans and leases to core deposits | 98.2845% | 1,246 |
| Total domestic deposits to total assets | 88.2129% | 2,014 |
| Equity capital to assets | 10.4613% | 3,728 |
| Core capital (leverage) ratio | 10.9303% | 2,371 |
| Tier 1 risk-based capital ratio | 11.4882% | 6,224 |
| Total risk-based capital ratio | 12.7454% | 6,197 |
| Memoranda: | ||
| Average total assets | $9,043,994,000 | 120 |
| Average earning assets | $8,756,916,330 | 112 |
| Average equity | $977,467,330 | 128 |
| Average total loans | $7,580,290,000 | 96 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7537% | 6,340 |
| Cost of funding earning assets | 0.1089% | 7,239 |
| Net interest margin | 3.6449% | 4,066 |
| Noninterest income to average assets | 0.1565% | 6,453 |
| Noninterest expense to average assets | 0.8073% | 7,273 |
| Loan and lease loss provision to assets | 0.2323% | 2,621 |
| Net operating income to assets | 1.6647% | 770 |
| Return on assets (ROA) | 1.6261% | 919 |
| Pretax return on assets | 2.5834% | 297 |
| Return on Equity (ROE) | 14.7948% | 1,014 |
| Retained earnings to average equity (ytd only) | -5.7102% | 6,635 |
| Net charge-offs to loans | 0.4366% | 2,003 |
| Credit loss provision to net charge-offs | 64.0089% | 3,038 |
| Earnings coverage of net charge-offs (x) | 7.9240% | 2,021 |
| Efficiency ratio | 21.9189% | 7,270 |
| Assets per employee ($millions) | 68.3495% | 25 |
| Cash dividends to net income (ytd only)* | 138.5963% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9060% | 2,658 |
| Loan loss allowance to noncurrent loans | 140.7196% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 1.3044% | 3,950 |
| Noncurrent loans to loans | 1.3545% | 4,087 |
| Net loans and leases to total assets | 83.1585% | 212 |
| Net loans and leases to deposits | 94.0502% | 657 |
| Net loans and leases to core deposits | 97.7060% | 1,149 |
| Total domestic deposits to total assets | 88.4192% | 2,059 |
| Equity capital to assets | 10.8740% | 3,059 |
| Core capital (leverage) ratio | 11.2891% | 2,039 |
| Tier 1 risk-based capital ratio | 12.0423% | 5,929 |
| Total risk-based capital ratio | 13.3001% | 5,909 |
| Memoranda: | ||
| Average total assets | $8,874,147,500 | 120 |
| Average earning assets | $8,586,790,500 | 114 |
| Average equity | $975,372,500 | 127 |
| Average total loans | $7,376,606,000 | 98 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4205% | 7,039 |
| Cost of funding earning assets | 0.1584% | 7,275 |
| Net interest margin | 3.2621% | 5,925 |
| Noninterest income to average assets | 0.2157% | 5,980 |
| Noninterest expense to average assets | 0.6698% | 7,320 |
| Loan and lease loss provision to assets | 0.3657% | 2,802 |
| Net operating income to assets | 1.4697% | 887 |
| Return on assets (ROA) | 1.3954% | 1,123 |
| Pretax return on assets | 2.1974% | 373 |
| Return on Equity (ROE) | 12.9983% | 1,169 |
| Retained earnings to average equity (ytd only) | 10.1477% | 530 |
| Net charge-offs to loans | 0.1652% | 4,829 |
| Credit loss provision to net charge-offs | 277.0001% | 860 |
| Earnings coverage of net charge-offs (x) | 20.2916% | 1,139 |
| Efficiency ratio | 19.9268% | 7,332 |
| Assets per employee ($millions) | 75.8148% | 26 |
| Cash dividends to net income (ytd only)* | 21.9302% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0593% | 2,106 |
| Loan loss allowance to noncurrent loans | 132.2612% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 1.4078% | 3,879 |
| Noncurrent loans to loans | 1.5570% | 3,826 |
| Net loans and leases to total assets | 79.7679% | 521 |
| Net loans and leases to deposits | 91.0135% | 1,053 |
| Net loans and leases to core deposits | 94.2930% | 1,663 |
| Total domestic deposits to total assets | 87.6440% | 2,372 |
| Equity capital to assets | 11.1104% | 2,882 |
| Core capital (leverage) ratio | 11.4278% | 1,945 |
| Tier 1 risk-based capital ratio | 13.0147% | 5,058 |
| Total risk-based capital ratio | 14.2727% | 5,024 |
| Memoranda: | ||
| Average total assets | $8,169,674,200 | 126 |
| Average earning assets | $7,847,100,400 | 119 |
| Average equity | $877,022,600 | 131 |
| Average total loans | $6,529,603,600 | 100 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4112% | 7,131 |
| Cost of funding earning assets | 0.1705% | 7,349 |
| Net interest margin | 3.2406% | 6,043 |
| Noninterest income to average assets | 0.1864% | 6,264 |
| Noninterest expense to average assets | 0.6838% | 7,401 |
| Loan and lease loss provision to assets | 0.3731% | 2,615 |
| Net operating income to assets | 1.4245% | 1,109 |
| Return on assets (ROA) | 1.3409% | 1,378 |
| Pretax return on assets | 2.1051% | 515 |
| Return on Equity (ROE) | 12.6119% | 1,381 |
| Retained earnings to average equity (ytd only) | 8.6996% | 1,250 |
| Net charge-offs to loans | 0.1065% | 4,939 |
| Credit loss provision to net charge-offs | 440.5501% | 634 |
| Earnings coverage of net charge-offs (x) | 30.8041% | 919 |
| Efficiency ratio | 20.6847% | 7,400 |
| Assets per employee ($millions) | 78.9019% | 25 |
| Cash dividends to net income (ytd only)* | 31.0204% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1773% | 1,907 |
| Loan loss allowance to noncurrent loans | 109.3157% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 1.6442% | 3,619 |
| Noncurrent loans to loans | 1.9918% | 3,379 |
| Net loans and leases to total assets | 72.7965% | 1,550 |
| Net loans and leases to deposits | 81.9465% | 2,364 |
| Net loans and leases to core deposits | 84.4658% | 2,991 |
| Total domestic deposits to total assets | 88.8342% | 1,529 |
| Equity capital to assets | 9.9613% | 4,394 |
| Core capital (leverage) ratio | 10.2528% | 3,128 |
| Tier 1 risk-based capital ratio | 12.4364% | 5,545 |
| Total risk-based capital ratio | 13.6951% | 5,534 |
| Memoranda: | ||
| Average total assets | $8,013,464,000 | 129 |
| Average earning assets | $7,680,887,750 | 121 |
| Average equity | $852,001,000 | 134 |
| Average total loans | $6,371,328,000 | 101 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5624% | 7,123 |
| Cost of funding earning assets | 0.1799% | 7,425 |
| Net interest margin | 3.3825% | 5,602 |
| Noninterest income to average assets | 0.2320% | 5,989 |
| Noninterest expense to average assets | 0.6881% | 7,479 |
| Loan and lease loss provision to assets | 0.4424% | 2,227 |
| Net operating income to assets | 1.4755% | 933 |
| Return on assets (ROA) | 1.3879% | 1,176 |
| Pretax return on assets | 2.1946% | 414 |
| Return on Equity (ROE) | 12.7400% | 1,264 |
| Retained earnings to average equity (ytd only) | 6.7686% | 1,983 |
| Net charge-offs to loans | 0.1228% | 4,489 |
| Credit loss provision to net charge-offs | 442.0437% | 686 |
| Earnings coverage of net charge-offs (x) | 27.7189% | 983 |
| Efficiency ratio | 19.7843% | 7,477 |
| Assets per employee ($millions) | 71.8709% | 26 |
| Cash dividends to net income (ytd only)* | 46.8709% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2142% | 1,890 |
| Loan loss allowance to noncurrent loans | 104.2252% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 1.9561% | 3,296 |
| Noncurrent loans to loans | 2.1244% | 3,321 |
| Net loans and leases to total assets | 79.0824% | 639 |
| Net loans and leases to deposits | 90.0161% | 1,269 |
| Net loans and leases to core deposits | 93.0937% | 2,007 |
| Total domestic deposits to total assets | 87.8536% | 2,243 |
| Equity capital to assets | 11.0428% | 2,909 |
| Core capital (leverage) ratio | 11.3225% | 2,036 |
| Tier 1 risk-based capital ratio | 12.4507% | 5,393 |
| Total risk-based capital ratio | 13.7095% | 5,362 |
| Memoranda: | ||
| Average total assets | $7,686,344,670 | 130 |
| Average earning assets | $7,339,791,330 | 125 |
| Average equity | $837,333,330 | 136 |
| Average total loans | $6,263,884,330 | 105 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6145% | 7,126 |
| Cost of funding earning assets | 0.2011% | 7,477 |
| Net interest margin | 3.4134% | 5,378 |
| Noninterest income to average assets | 0.2813% | 5,661 |
| Noninterest expense to average assets | 0.6888% | 7,540 |
| Loan and lease loss provision to assets | 0.4560% | 1,931 |
| Net operating income to assets | 1.5058% | 864 |
| Return on assets (ROA) | 1.4040% | 1,093 |
| Pretax return on assets | 2.2307% | 377 |
| Return on Equity (ROE) | 12.9808% | 1,203 |
| Retained earnings to average equity (ytd only) | 0.7780% | 5,513 |
| Net charge-offs to loans | -0.0009% | 6,168 |
| Credit loss provision to net charge-offs | -61,700.0000% | 6,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.3981% | 7,535 |
| Assets per employee ($millions) | 70.1656% | 27 |
| Cash dividends to net income (ytd only)* | 94.0062% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2231% | 1,907 |
| Loan loss allowance to noncurrent loans | 110.7346% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 1.8969% | 3,440 |
| Noncurrent loans to loans | 2.0076% | 3,566 |
| Net loans and leases to total assets | 79.5523% | 561 |
| Net loans and leases to deposits | 89.8257% | 1,255 |
| Net loans and leases to core deposits | 92.8122% | 2,032 |
| Total domestic deposits to total assets | 88.5630% | 2,040 |
| Equity capital to assets | 10.8381% | 2,847 |
| Core capital (leverage) ratio | 11.1302% | 2,089 |
| Tier 1 risk-based capital ratio | 11.9664% | 5,725 |
| Total risk-based capital ratio | 13.2249% | 5,706 |
| Memoranda: | ||
| Average total assets | $7,576,619,500 | 135 |
| Average earning assets | $7,221,106,500 | 130 |
| Average equity | $819,490,000 | 139 |
| Average total loans | $6,198,998,000 | 105 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4905% | 7,392 |
| Cost of funding earning assets | 0.2311% | 7,538 |
| Net interest margin | 3.2594% | 6,106 |
| Noninterest income to average assets | 0.1389% | 6,697 |
| Noninterest expense to average assets | 0.6811% | 7,605 |
| Loan and lease loss provision to assets | 0.8313% | 1,980 |
| Net operating income to assets | 1.1045% | 1,694 |
| Return on assets (ROA) | 1.0166% | 2,091 |
| Pretax return on assets | 1.6169% | 1,092 |
| Return on Equity (ROE) | 10.2352% | 1,840 |
| Retained earnings to average equity (ytd only) | 1.1126% | 4,989 |
| Net charge-offs to loans | 1.4092% | 1,582 |
| Credit loss provision to net charge-offs | 76.8303% | 5,669 |
| Earnings coverage of net charge-offs (x) | 2.3895% | 3,942 |
| Efficiency ratio | 20.8066% | 7,621 |
| Assets per employee ($millions) | 74.2681% | 24 |
| Cash dividends to net income (ytd only)* | 89.1297% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0603% | 2,152 |
| Loan loss allowance to noncurrent loans | 93.9632% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 2.0783% | 3,248 |
| Noncurrent loans to loans | 2.1927% | 3,322 |
| Net loans and leases to total assets | 80.5789% | 588 |
| Net loans and leases to deposits | 91.3465% | 1,347 |
| Net loans and leases to core deposits | 94.3042% | 2,222 |
| Total domestic deposits to total assets | 88.2124% | 2,115 |
| Equity capital to assets | 10.7940% | 2,863 |
| Core capital (leverage) ratio | 11.1100% | 2,078 |
| Tier 1 risk-based capital ratio | 11.9830% | 5,488 |
| Total risk-based capital ratio | 13.2400% | 5,464 |
| Memoranda: | ||
| Average total assets | $8,277,362,200 | 130 |
| Average earning assets | $7,943,074,600 | 121 |
| Average equity | $822,132,400 | 133 |
| Average total loans | $6,355,648,200 | 105 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3159% | 7,580 |
| Cost of funding earning assets | 0.2349% | 7,661 |
| Net interest margin | 3.0810% | 6,656 |
| Noninterest income to average assets | 0.1211% | 6,949 |
| Noninterest expense to average assets | 0.6575% | 7,724 |
| Loan and lease loss provision to assets | 0.9082% | 1,664 |
| Net operating income to assets | 0.9558% | 2,393 |
| Return on assets (ROA) | 0.8672% | 2,886 |
| Pretax return on assets | 1.3782% | 1,942 |
| Return on Equity (ROE) | 8.9039% | 2,522 |
| Retained earnings to average equity (ytd only) | 8.9039% | 1,081 |
| Net charge-offs to loans | 1.2455% | 1,637 |
| Credit loss provision to net charge-offs | 96.5135% | 4,493 |
| Earnings coverage of net charge-offs (x) | 2.5769% | 3,864 |
| Efficiency ratio | 21.2991% | 7,724 |
| Assets per employee ($millions) | 110.4387% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3564% | 1,532 |
| Loan loss allowance to noncurrent loans | 95.5190% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 1.6808% | 3,927 |
| Noncurrent loans to loans | 2.4669% | 3,159 |
| Net loans and leases to total assets | 56.3146% | 5,503 |
| Net loans and leases to deposits | 81.6613% | 3,161 |
| Net loans and leases to core deposits | 83.9835% | 3,940 |
| Total domestic deposits to total assets | 68.9612% | 7,330 |
| Equity capital to assets | 7.9332% | 6,851 |
| Core capital (leverage) ratio | 8.2032% | 6,033 |
| Tier 1 risk-based capital ratio | 11.7145% | 5,719 |
| Total risk-based capital ratio | 12.9711% | 5,681 |
| Memoranda: | ||
| Average total assets | $8,452,865,500 | 128 |
| Average earning assets | $8,124,301,500 | 117 |
| Average equity | $823,245,500 | 133 |
| Average total loans | $6,386,423,750 | 104 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6828% | 7,541 |
| Cost of funding earning assets | 0.2599% | 7,729 |
| Net interest margin | 3.4229% | 5,547 |
| Noninterest income to average assets | 0.1261% | 6,966 |
| Noninterest expense to average assets | 0.7505% | 7,793 |
| Loan and lease loss provision to assets | 0.9666% | 1,506 |
| Net operating income to assets | 1.0813% | 1,917 |
| Return on assets (ROA) | 1.0021% | 2,271 |
| Pretax return on assets | 1.5662% | 1,390 |
| Return on Equity (ROE) | 9.4632% | 2,286 |
| Retained earnings to average equity (ytd only) | 9.4632% | 970 |
| Net charge-offs to loans | 1.2156% | 1,570 |
| Credit loss provision to net charge-offs | 94.6993% | 4,275 |
| Earnings coverage of net charge-offs (x) | 2.6027% | 3,696 |
| Efficiency ratio | 22.0040% | 7,788 |
| Assets per employee ($millions) | 80.2707% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3286% | 1,541 |
| Loan loss allowance to noncurrent loans | 95.6745% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 2.3645% | 3,048 |
| Noncurrent loans to loans | 2.4339% | 3,216 |
| Net loans and leases to total assets | 82.6453% | 474 |
| Net loans and leases to deposits | 95.3613% | 1,108 |
| Net loans and leases to core deposits | 99.5181% | 2,071 |
| Total domestic deposits to total assets | 86.6655% | 2,723 |
| Equity capital to assets | 11.2006% | 2,690 |
| Core capital (leverage) ratio | 11.6470% | 1,838 |
| Tier 1 risk-based capital ratio | 12.5221% | 4,838 |
| Total risk-based capital ratio | 13.7803% | 4,805 |
| Memoranda: | ||
| Average total assets | $7,662,822,000 | 134 |
| Average earning assets | $7,345,253,000 | 128 |
| Average equity | $811,456,330 | 133 |
| Average total loans | $6,434,560,330 | 102 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7829% | 7,596 |
| Cost of funding earning assets | 0.2583% | 7,835 |
| Net interest margin | 3.5246% | 5,066 |
| Noninterest income to average assets | 0.0589% | 7,421 |
| Noninterest expense to average assets | 0.7088% | 7,899 |
| Loan and lease loss provision to assets | 1.0275% | 1,209 |
| Net operating income to assets | 1.0901% | 1,861 |
| Return on assets (ROA) | 1.0167% | 2,187 |
| Pretax return on assets | 1.5884% | 1,291 |
| Return on Equity (ROE) | 9.8755% | 2,145 |
| Retained earnings to average equity (ytd only) | 9.8755% | 1,168 |
| Net charge-offs to loans | 1.2778% | 1,336 |
| Credit loss provision to net charge-offs | 96.1144% | 3,522 |
| Earnings coverage of net charge-offs (x) | 2.5543% | 3,268 |
| Efficiency ratio | 20.6078% | 7,898 |
| Assets per employee ($millions) | 82.9039% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3234% | 1,537 |
| Loan loss allowance to noncurrent loans | 105.0776% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 2.1840% | 3,294 |
| Noncurrent loans to loans | 2.2112% | 3,513 |
| Net loans and leases to total assets | 81.7725% | 620 |
| Net loans and leases to deposits | 92.6534% | 1,520 |
| Net loans and leases to core deposits | 96.3684% | 2,546 |
| Total domestic deposits to total assets | 88.2564% | 1,922 |
| Equity capital to assets | 10.6398% | 3,106 |
| Core capital (leverage) ratio | 11.1486% | 2,129 |
| Tier 1 risk-based capital ratio | 12.3086% | 4,894 |
| Total risk-based capital ratio | 13.5662% | 4,849 |
| Memoranda: | ||
| Average total assets | $7,761,646,500 | 132 |
| Average earning assets | $7,444,170,000 | 124 |
| Average equity | $799,112,000 | 134 |
| Average total loans | $6,493,488,500 | 101 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4027% | 7,846 |
| Cost of funding earning assets | 0.1816% | 7,947 |
| Net interest margin | 3.2211% | 6,022 |
| Noninterest income to average assets | 0.0641% | 7,431 |
| Noninterest expense to average assets | 0.6801% | 7,973 |
| Loan and lease loss provision to assets | 1.8826% | 1,184 |
| Net operating income to assets | 0.4041% | 4,113 |
| Return on assets (ROA) | 0.3455% | 4,435 |
| Pretax return on assets | 0.5428% | 4,069 |
| Return on Equity (ROE) | 4.6278% | 3,830 |
| Retained earnings to average equity (ytd only) | 4.6278% | 2,016 |
| Net charge-offs to loans | 1.7246% | 1,453 |
| Credit loss provision to net charge-offs | 139.5774% | 3,498 |
| Earnings coverage of net charge-offs (x) | 1.8660% | 4,321 |
| Efficiency ratio | 21.2732% | 7,977 |
| Assets per employee ($millions) | 90.7601% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2595% | 1,551 |
| Loan loss allowance to noncurrent loans | 110.1842% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 1.8205% | 3,640 |
| Noncurrent loans to loans | 2.0506% | 3,587 |
| Net loans and leases to total assets | 81.7176% | 732 |
| Net loans and leases to deposits | 92.0860% | 1,885 |
| Net loans and leases to core deposits | 93.0717% | 4,774 |
| Total domestic deposits to total assets | 88.7405% | 1,606 |
| Equity capital to assets | 9.9633% | 3,808 |
| Core capital (leverage) ratio | 10.5158% | 2,590 |
| Tier 1 risk-based capital ratio | 11.7044% | 5,193 |
| Total risk-based capital ratio | 12.9637% | 5,147 |
| Memoranda: | ||
| Average total assets | $9,214,635,200 | 113 |
| Average earning assets | $8,962,065,000 | 105 |
| Average equity | $688,013,200 | 142 |
| Average total loans | $7,206,552,400 | 98 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3704% | 7,951 |
| Cost of funding earning assets | 0.1602% | 8,042 |
| Net interest margin | 3.2102% | 5,976 |
| Noninterest income to average assets | 0.0600% | 7,607 |
| Noninterest expense to average assets | 0.6543% | 8,062 |
| Loan and lease loss provision to assets | 2.1043% | 835 |
| Net operating income to assets | 0.2761% | 4,877 |
| Return on assets (ROA) | 0.2265% | 5,151 |
| Pretax return on assets | 0.3546% | 4,915 |
| Return on Equity (ROE) | 3.2584% | 4,677 |
| Retained earnings to average equity (ytd only) | 3.2584% | 3,492 |
| Net charge-offs to loans | 1.8183% | 1,111 |
| Credit loss provision to net charge-offs | 150.1256% | 3,194 |
| Earnings coverage of net charge-offs (x) | 1.8095% | 4,444 |
| Efficiency ratio | 20.5070% | 8,052 |
| Assets per employee ($millions) | 123.9426% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2282% | 1,379 |
| Loan loss allowance to noncurrent loans | 94.8801% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 1.4978% | 4,122 |
| Noncurrent loans to loans | 2.3484% | 3,207 |
| Net loans and leases to total assets | 59.1131% | 5,725 |
| Net loans and leases to deposits | 69.9746% | 5,919 |
| Net loans and leases to core deposits | 70.4691% | 6,943 |
| Total domestic deposits to total assets | 84.4780% | 3,487 |
| Equity capital to assets | 6.7940% | 7,678 |
| Core capital (leverage) ratio | 7.3082% | 7,179 |
| Tier 1 risk-based capital ratio | 11.4400% | 5,489 |
| Total risk-based capital ratio | 12.6990% | 5,424 |
| Memoranda: | ||
| Average total assets | $9,544,261,000 | 115 |
| Average earning assets | $9,307,839,750 | 107 |
| Average equity | $663,338,500 | 151 |
| Average total loans | $7,357,766,750 | 99 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7389% | 7,986 |
| Cost of funding earning assets | 0.1681% | 8,133 |
| Net interest margin | 3.5709% | 4,494 |
| Noninterest income to average assets | 0.0709% | 7,630 |
| Noninterest expense to average assets | 0.7288% | 8,153 |
| Loan and lease loss provision to assets | 2.4632% | 642 |
| Net operating income to assets | 0.2405% | 5,128 |
| Return on assets (ROA) | 0.2224% | 5,269 |
| Pretax return on assets | 0.3328% | 5,119 |
| Return on Equity (ROE) | 3.1711% | 4,836 |
| Retained earnings to average equity (ytd only) | 3.1711% | 3,553 |
| Net charge-offs to loans | 1.9540% | 950 |
| Credit loss provision to net charge-offs | 150.1502% | 3,065 |
| Earnings coverage of net charge-offs (x) | 1.7208% | 4,264 |
| Efficiency ratio | 20.5190% | 8,141 |
| Assets per employee ($millions) | 93.3234% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8998% | 1,795 |
| Loan loss allowance to noncurrent loans | 91.1109% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 1.9014% | 3,338 |
| Noncurrent loans to loans | 2.0852% | 3,405 |
| Net loans and leases to total assets | 84.2419% | 599 |
| Net loans and leases to deposits | 92.6418% | 2,336 |
| Net loans and leases to core deposits | 93.4122% | 5,184 |
| Total domestic deposits to total assets | 90.9330% | 475 |
| Equity capital to assets | 8.1928% | 6,502 |
| Core capital (leverage) ratio | 9.0109% | 4,610 |
| Tier 1 risk-based capital ratio | 10.1469% | 6,776 |
| Total risk-based capital ratio | 11.4039% | 6,694 |
| Memoranda: | ||
| Average total assets | $9,007,403,000 | 123 |
| Average earning assets | $8,780,094,330 | 116 |
| Average equity | $631,830,330 | 160 |
| Average total loans | $7,562,274,000 | 104 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8016% | 8,040 |
| Cost of funding earning assets | 0.1634% | 8,189 |
| Net interest margin | 3.6382% | 4,147 |
| Noninterest income to average assets | 0.0235% | 7,961 |
| Noninterest expense to average assets | 0.6307% | 8,210 |
| Loan and lease loss provision to assets | 3.4857% | 297 |
| Net operating income to assets | -0.3289% | 6,719 |
| Return on assets (ROA) | -0.3259% | 6,788 |
| Pretax return on assets | -0.5334% | 6,848 |
| Return on Equity (ROE) | -5.0271% | 6,979 |
| Retained earnings to average equity (ytd only) | -5.0271% | 6,552 |
| Net charge-offs to loans | 2.0564% | 703 |
| Credit loss provision to net charge-offs | 204.0024% | 2,182 |
| Earnings coverage of net charge-offs (x) | 1.7251% | 3,869 |
| Efficiency ratio | 17.6255% | 8,192 |
| Assets per employee ($millions) | 100.7170% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8377% | 1,767 |
| Loan loss allowance to noncurrent loans | 99.0921% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 1.6873% | 3,394 |
| Noncurrent loans to loans | 1.8545% | 3,483 |
| Net loans and leases to total assets | 82.3758% | 953 |
| Net loans and leases to deposits | 90.2123% | 2,896 |
| Net loans and leases to core deposits | 90.8784% | 5,465 |
| Total domestic deposits to total assets | 91.3133% | 322 |
| Equity capital to assets | 6.6366% | 7,829 |
| Core capital (leverage) ratio | 7.5722% | 7,062 |
| Tier 1 risk-based capital ratio | 8.9644% | 7,809 |
| Total risk-based capital ratio | 10.2213% | 7,840 |
| Memoranda: | ||
| Average total assets | $9,311,551,500 | 123 |
| Average earning assets | $9,098,274,000 | 115 |
| Average equity | $603,685,500 | 164 |
| Average total loans | $7,737,112,000 | 104 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7129% | 7,973 |
| Cost of funding earning assets | 1.6081% | 7,432 |
| Net interest margin | 3.1048% | 6,640 |
| Noninterest income to average assets | 0.0685% | 7,806 |
| Noninterest expense to average assets | 0.5901% | 8,252 |
| Loan and lease loss provision to assets | 0.8148% | 1,823 |
| Net operating income to assets | 1.0741% | 2,238 |
| Return on assets (ROA) | 1.0764% | 2,150 |
| Pretax return on assets | 1.7159% | 1,113 |
| Return on Equity (ROE) | 17.8613% | 536 |
| Retained earnings to average equity (ytd only) | 6.6315% | 1,282 |
| Net charge-offs to loans | 0.2956% | 3,420 |
| Credit loss provision to net charge-offs | 362.7184% | 1,222 |
| Earnings coverage of net charge-offs (x) | 11.2503% | 2,392 |
| Efficiency ratio | 18.9296% | 8,264 |
| Assets per employee ($millions) | 103.9325% | 25 |
| Cash dividends to net income (ytd only)* | 62.8720% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 3,398 |
| Loan loss allowance to noncurrent loans | 166.0409% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.8115% | 4,816 |
| Noncurrent loans to loans | 0.8213% | 4,996 |
| Net loans and leases to total assets | 81.1684% | 1,401 |
| Net loans and leases to deposits | 87.3059% | 3,890 |
| Net loans and leases to core deposits | 87.9625% | 5,979 |
| Total domestic deposits to total assets | 92.9702% | 56 |
| Equity capital to assets | 6.3345% | 7,985 |
| Core capital (leverage) ratio | 7.4067% | 7,299 |
| Tier 1 risk-based capital ratio | 8.9384% | 7,824 |
| Total risk-based capital ratio | 10.1886% | 7,836 |
| Memoranda: | ||
| Average total assets | $8,866,077,200 | 119 |
| Average earning assets | $8,705,988,200 | 111 |
| Average equity | $534,295,400 | 178 |
| Average total loans | $6,736,619,600 | 109 |