Home > Regions Bank > Performance and Condition Ratios
Regions Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3235% | 2,483 |
| Cost of funding earning assets | 1.6166% | 3,147 |
| Net interest margin | 3.7069% | 1,675 |
| Noninterest income to average assets | 1.5000% | 350 |
| Noninterest expense to average assets | 2.6122% | 1,985 |
| Loan and lease loss provision to assets | 0.3200% | 373 |
| Net operating income to assets | 1.4302% | 1,022 |
| Return on assets (ROA) | 1.3321% | 1,207 |
| Pretax return on assets | 1.6578% | 1,043 |
| Return on Equity (ROE) | 12.5100% | 1,493 |
| Retained earnings to average equity (ytd only) | -0.2559% | 4,006 |
| Net charge-offs to loans | 0.4686% | 313 |
| Credit loss provision to net charge-offs | 108.0786% | 1,785 |
| Earnings coverage of net charge-offs (x) | 7.0546% | 2,457 |
| Efficiency ratio | 54.9814% | 3,652 |
| Assets per employee ($millions) | 7.9790% | 1,549 |
| Cash dividends to net income (ytd only)* | 102.0458% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6576% | 709 |
| Loan loss allowance to noncurrent loans | 140.3829% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.7459% | 996 |
| Noncurrent loans to loans | 1.1808% | 853 |
| Net loans and leases to total assets | 61.3800% | 2,814 |
| Net loans and leases to deposits | 73.4640% | 2,697 |
| Net loans and leases to core deposits | 76.3648% | 3,028 |
| Total domestic deposits to total assets | 83.5400% | 2,904 |
| Equity capital to assets | 10.3734% | 1,911 |
| Core capital (leverage) ratio | 9.2074% | 3,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9728% | 2,233 |
| Memoranda: | ||
| Average total assets | $154,120,400,000 | 25 |
| Average earning assets | $133,239,200,000 | 26 |
| Average equity | $16,410,600,000 | 22 |
| Average total loans | $97,734,000,000 | 21 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3104% | 2,437 |
| Cost of funding earning assets | 1.6180% | 3,132 |
| Net interest margin | 3.6924% | 1,650 |
| Noninterest income to average assets | 1.5000% | 349 |
| Noninterest expense to average assets | 2.6272% | 1,883 |
| Loan and lease loss provision to assets | 0.3200% | 325 |
| Net operating income to assets | 1.3964% | 1,099 |
| Return on assets (ROA) | 1.2902% | 1,319 |
| Pretax return on assets | 1.6147% | 1,137 |
| Return on Equity (ROE) | 12.0400% | 1,607 |
| Retained earnings to average equity (ytd only) | 3.1734% | 3,118 |
| Net charge-offs to loans | 0.4620% | 289 |
| Credit loss provision to net charge-offs | 109.1445% | 1,574 |
| Earnings coverage of net charge-offs (x) | 7.0236% | 2,285 |
| Efficiency ratio | 55.4816% | 3,599 |
| Assets per employee ($millions) | 8.0395% | 1,492 |
| Cash dividends to net income (ytd only)* | 73.6382% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6515% | 740 |
| Loan loss allowance to noncurrent loans | 152.0341% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.6861% | 1,041 |
| Noncurrent loans to loans | 1.0863% | 916 |
| Net loans and leases to total assets | 61.1900% | 2,815 |
| Net loans and leases to deposits | 74.4297% | 2,652 |
| Net loans and leases to core deposits | 77.4651% | 2,985 |
| Total domestic deposits to total assets | 82.2200% | 3,054 |
| Equity capital to assets | 11.2811% | 1,581 |
| Core capital (leverage) ratio | 9.5779% | 3,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2823% | 2,158 |
| Memoranda: | ||
| Average total assets | $153,671,000,000 | 27 |
| Average earning assets | $132,918,250,000 | 28 |
| Average equity | $16,469,750,000 | 23 |
| Average total loans | $97,840,500,000 | 22 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2683% | 2,410 |
| Cost of funding earning assets | 1.5840% | 3,112 |
| Net interest margin | 3.6843% | 1,627 |
| Noninterest income to average assets | 1.4800% | 362 |
| Noninterest expense to average assets | 2.6472% | 1,815 |
| Loan and lease loss provision to assets | 0.3300% | 291 |
| Net operating income to assets | 1.3435% | 1,182 |
| Return on assets (ROA) | 1.2555% | 1,355 |
| Pretax return on assets | 1.5789% | 1,151 |
| Return on Equity (ROE) | 11.9300% | 1,641 |
| Retained earnings to average equity (ytd only) | 2.0399% | 3,337 |
| Net charge-offs to loans | 0.4530% | 271 |
| Credit loss provision to net charge-offs | 120.2703% | 1,349 |
| Earnings coverage of net charge-offs (x) | 6.9550% | 2,132 |
| Efficiency ratio | 56.1694% | 3,558 |
| Assets per employee ($millions) | 7.8514% | 1,538 |
| Cash dividends to net income (ytd only)* | 82.8989% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6534% | 752 |
| Loan loss allowance to noncurrent loans | 153.9411% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.6972% | 959 |
| Noncurrent loans to loans | 1.0740% | 851 |
| Net loans and leases to total assets | 63.0000% | 2,653 |
| Net loans and leases to deposits | 74.7788% | 2,639 |
| Net loans and leases to core deposits | 77.4555% | 2,953 |
| Total domestic deposits to total assets | 84.2500% | 2,541 |
| Equity capital to assets | 10.4823% | 1,811 |
| Core capital (leverage) ratio | 9.4682% | 3,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9967% | 2,253 |
| Memoranda: | ||
| Average total assets | $152,766,333,333 | 27 |
| Average earning assets | $132,073,666,667 | 28 |
| Average equity | $16,079,000,000 | 23 |
| Average total loans | $98,019,000,000 | 22 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2076% | 2,381 |
| Cost of funding earning assets | 1.5290% | 3,131 |
| Net interest margin | 3.6786% | 1,582 |
| Noninterest income to average assets | 1.4800% | 333 |
| Noninterest expense to average assets | 2.8042% | 1,447 |
| Loan and lease loss provision to assets | 0.4000% | 213 |
| Net operating income to assets | 1.1505% | 1,551 |
| Return on assets (ROA) | 1.0719% | 1,745 |
| Pretax return on assets | 1.3575% | 1,522 |
| Return on Equity (ROE) | 10.1600% | 2,087 |
| Retained earnings to average equity (ytd only) | -1.4909% | 3,882 |
| Net charge-offs to loans | 0.4938% | 191 |
| Credit loss provision to net charge-offs | 133.8843% | 994 |
| Earnings coverage of net charge-offs (x) | 5.8512% | 1,845 |
| Efficiency ratio | 59.6738% | 3,297 |
| Assets per employee ($millions) | 7.8789% | 1,521 |
| Cash dividends to net income (ytd only)* | 114.6699% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6627% | 738 |
| Loan loss allowance to noncurrent loans | 147.0000% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.7223% | 849 |
| Noncurrent loans to loans | 1.1311% | 747 |
| Net loans and leases to total assets | 62.1200% | 2,659 |
| Net loans and leases to deposits | 72.8520% | 2,689 |
| Net loans and leases to core deposits | 75.7031% | 2,999 |
| Total domestic deposits to total assets | 85.2700% | 2,336 |
| Equity capital to assets | 10.3017% | 1,835 |
| Core capital (leverage) ratio | 9.4063% | 3,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8499% | 2,297 |
| Memoranda: | ||
| Average total assets | $152,630,000,000 | 26 |
| Average earning assets | $132,115,500,000 | 27 |
| Average equity | $16,097,500,000 | 22 |
| Average total loans | $98,007,000,000 | 21 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1798% | 1,707 |
| Cost of funding earning assets | 1.0862% | 3,101 |
| Net interest margin | 4.0936% | 1,081 |
| Noninterest income to average assets | 1.4100% | 417 |
| Noninterest expense to average assets | 2.7659% | 1,586 |
| Loan and lease loss provision to assets | 0.3600% | 272 |
| Net operating income to assets | 1.4567% | 1,103 |
| Return on assets (ROA) | 1.4646% | 1,059 |
| Pretax return on assets | 1.8418% | 840 |
| Return on Equity (ROE) | 14.6100% | 1,365 |
| Retained earnings to average equity (ytd only) | 4.1938% | 2,893 |
| Net charge-offs to loans | 0.4020% | 258 |
| Credit loss provision to net charge-offs | 137.7834% | 1,546 |
| Earnings coverage of net charge-offs (x) | 8.4635% | 2,341 |
| Efficiency ratio | 55.2119% | 3,580 |
| Assets per employee ($millions) | 7.5668% | 1,683 |
| Cash dividends to net income (ytd only)* | 71.3012% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5958% | 843 |
| Loan loss allowance to noncurrent loans | 155.5775% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.6787% | 778 |
| Noncurrent loans to loans | 1.0257% | 721 |
| Net loans and leases to total assets | 64.2300% | 2,439 |
| Net loans and leases to deposits | 74.6700% | 2,568 |
| Net loans and leases to core deposits | 77.6420% | 2,870 |
| Total domestic deposits to total assets | 86.0200% | 2,007 |
| Equity capital to assets | 10.7961% | 1,586 |
| Core capital (leverage) ratio | 9.4367% | 3,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7399% | 2,325 |
| Memoranda: | ||
| Average total assets | $153,220,800,000 | 24 |
| Average earning assets | $132,939,400,000 | 25 |
| Average equity | $15,356,000,000 | 20 |
| Average total loans | $98,763,200,000 | 20 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1322% | 1,575 |
| Cost of funding earning assets | 0.9579% | 3,138 |
| Net interest margin | 4.1743% | 955 |
| Noninterest income to average assets | 1.3900% | 428 |
| Noninterest expense to average assets | 2.6883% | 1,701 |
| Loan and lease loss provision to assets | 0.3500% | 251 |
| Net operating income to assets | 1.5626% | 999 |
| Return on assets (ROA) | 1.5667% | 984 |
| Pretax return on assets | 1.9909% | 756 |
| Return on Equity (ROE) | 15.9400% | 1,267 |
| Retained earnings to average equity (ytd only) | 1.8176% | 3,767 |
| Net charge-offs to loans | 0.3577% | 242 |
| Credit loss provision to net charge-offs | 145.6604% | 1,345 |
| Earnings coverage of net charge-offs (x) | 10.1396% | 2,141 |
| Efficiency ratio | 52.9900% | 3,675 |
| Assets per employee ($millions) | 7.5884% | 1,574 |
| Cash dividends to net income (ytd only)* | 88.5936% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5567% | 970 |
| Loan loss allowance to noncurrent loans | 191.6976% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.5369% | 1,090 |
| Noncurrent loans to loans | 0.8120% | 1,019 |
| Net loans and leases to total assets | 63.9800% | 2,451 |
| Net loans and leases to deposits | 75.6692% | 2,443 |
| Net loans and leases to core deposits | 78.1768% | 2,732 |
| Total domestic deposits to total assets | 84.5500% | 2,635 |
| Equity capital to assets | 9.4666% | 2,119 |
| Core capital (leverage) ratio | 9.0458% | 3,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3156% | 2,508 |
| Memoranda: | ||
| Average total assets | $153,697,500,000 | 25 |
| Average earning assets | $133,480,500,000 | 26 |
| Average equity | $15,111,000,000 | 21 |
| Average total loans | $98,763,500,000 | 21 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0489% | 1,467 |
| Cost of funding earning assets | 0.7747% | 3,281 |
| Net interest margin | 4.2742% | 841 |
| Noninterest income to average assets | 1.3800% | 362 |
| Noninterest expense to average assets | 2.6695% | 1,721 |
| Loan and lease loss provision to assets | 0.3300% | 270 |
| Net operating income to assets | 1.6454% | 881 |
| Return on assets (ROA) | 1.6485% | 876 |
| Pretax return on assets | 2.0992% | 629 |
| Return on Equity (ROE) | 16.5600% | 1,171 |
| Retained earnings to average equity (ytd only) | 2.1928% | 3,675 |
| Net charge-offs to loans | 0.3328% | 249 |
| Credit loss provision to net charge-offs | 153.0488% | 1,186 |
| Earnings coverage of net charge-offs (x) | 11.3780% | 1,965 |
| Efficiency ratio | 51.8490% | 3,783 |
| Assets per employee ($millions) | 7.6377% | 1,516 |
| Cash dividends to net income (ytd only)* | 86.7612% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5171% | 1,125 |
| Loan loss allowance to noncurrent loans | 233.4877% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.4283% | 1,247 |
| Noncurrent loans to loans | 0.6498% | 1,150 |
| Net loans and leases to total assets | 63.5500% | 2,427 |
| Net loans and leases to deposits | 75.8978% | 2,323 |
| Net loans and leases to core deposits | 77.9136% | 2,620 |
| Total domestic deposits to total assets | 83.7300% | 2,885 |
| Equity capital to assets | 9.8560% | 1,935 |
| Core capital (leverage) ratio | 9.0274% | 3,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2358% | 2,556 |
| Memoranda: | ||
| Average total assets | $153,961,333,333 | 26 |
| Average earning assets | $133,732,000,000 | 26 |
| Average equity | $15,323,000,000 | 21 |
| Average total loans | $98,558,333,333 | 21 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9126% | 1,386 |
| Cost of funding earning assets | 0.5781% | 3,452 |
| Net interest margin | 4.3344% | 765 |
| Noninterest income to average assets | 1.3100% | 387 |
| Noninterest expense to average assets | 2.5771% | 2,019 |
| Loan and lease loss provision to assets | 0.3500% | 235 |
| Net operating income to assets | 1.6645% | 879 |
| Return on assets (ROA) | 1.6686% | 870 |
| Pretax return on assets | 2.1527% | 614 |
| Return on Equity (ROE) | 16.6800% | 1,227 |
| Retained earnings to average equity (ytd only) | -1.5357% | 4,178 |
| Net charge-offs to loans | 0.3389% | 237 |
| Credit loss provision to net charge-offs | 155.4217% | 933 |
| Earnings coverage of net charge-offs (x) | 11.5663% | 1,633 |
| Efficiency ratio | 50.2051% | 3,915 |
| Assets per employee ($millions) | 7.6513% | 1,531 |
| Cash dividends to net income (ytd only)* | 109.2044% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4929% | 1,287 |
| Loan loss allowance to noncurrent loans | 206.4516% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.4748% | 1,077 |
| Noncurrent loans to loans | 0.7231% | 1,048 |
| Net loans and leases to total assets | 63.4300% | 2,303 |
| Net loans and leases to deposits | 74.2866% | 2,279 |
| Net loans and leases to core deposits | 75.6651% | 2,557 |
| Total domestic deposits to total assets | 85.3900% | 2,747 |
| Equity capital to assets | 10.1891% | 1,727 |
| Core capital (leverage) ratio | 8.9166% | 3,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1173% | 2,692 |
| Memoranda: | ||
| Average total assets | $153,664,000,000 | 27 |
| Average earning assets | $133,535,000,000 | 28 |
| Average equity | $15,368,000,000 | 22 |
| Average total loans | $97,974,000,000 | 23 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6278% | 2,715 |
| Cost of funding earning assets | 0.1644% | 4,035 |
| Net interest margin | 3.4634% | 2,059 |
| Noninterest income to average assets | 1.5000% | 346 |
| Noninterest expense to average assets | 2.4411% | 2,302 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.5166% | 844 |
| Return on assets (ROA) | 1.4953% | 857 |
| Pretax return on assets | 1.9129% | 565 |
| Return on Equity (ROE) | 14.8300% | 1,302 |
| Retained earnings to average equity (ytd only) | 6.6386% | 2,392 |
| Net charge-offs to loans | 0.2824% | 278 |
| Credit loss provision to net charge-offs | 94.2966% | 1,605 |
| Earnings coverage of net charge-offs (x) | 12.7757% | 2,095 |
| Efficiency ratio | 52.9322% | 3,893 |
| Assets per employee ($millions) | 7.7213% | 1,472 |
| Cash dividends to net income (ytd only)* | 55.2289% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5039% | 1,188 |
| Loan loss allowance to noncurrent loans | 205.9072% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.4689% | 1,080 |
| Noncurrent loans to loans | 0.7304% | 1,028 |
| Net loans and leases to total assets | 62.1800% | 2,417 |
| Net loans and leases to deposits | 71.6657% | 2,436 |
| Net loans and leases to core deposits | 72.7676% | 2,664 |
| Total domestic deposits to total assets | 86.7600% | 2,471 |
| Equity capital to assets | 9.8143% | 1,813 |
| Core capital (leverage) ratio | 8.7977% | 3,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0998% | 2,707 |
| Memoranda: | ||
| Average total assets | $159,234,200,000 | 27 |
| Average earning assets | $140,497,000,000 | 27 |
| Average equity | $16,057,600,000 | 23 |
| Average total loans | $93,121,800,000 | 22 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3282% | 3,103 |
| Cost of funding earning assets | 0.1013% | 4,272 |
| Net interest margin | 3.2268% | 2,542 |
| Noninterest income to average assets | 1.5000% | 364 |
| Noninterest expense to average assets | 2.4291% | 2,229 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.4014% | 1,091 |
| Return on assets (ROA) | 1.3791% | 1,116 |
| Pretax return on assets | 1.7703% | 780 |
| Return on Equity (ROE) | 13.5900% | 1,539 |
| Retained earnings to average equity (ytd only) | 6.6303% | 2,505 |
| Net charge-offs to loans | 0.2810% | 235 |
| Credit loss provision to net charge-offs | 68.5567% | 1,460 |
| Earnings coverage of net charge-offs (x) | 11.9794% | 1,932 |
| Efficiency ratio | 54.9924% | 3,725 |
| Assets per employee ($millions) | 7.8993% | 1,378 |
| Cash dividends to net income (ytd only)* | 51.2048% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 1,328 |
| Loan loss allowance to noncurrent loans | 225.7962% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.4088% | 1,328 |
| Noncurrent loans to loans | 0.6581% | 1,238 |
| Net loans and leases to total assets | 59.9500% | 2,508 |
| Net loans and leases to deposits | 68.6425% | 2,487 |
| Net loans and leases to core deposits | 69.6428% | 2,665 |
| Total domestic deposits to total assets | 87.3400% | 2,652 |
| Equity capital to assets | 9.3043% | 2,011 |
| Core capital (leverage) ratio | 8.5215% | 4,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9597% | 2,827 |
| Memoranda: | ||
| Average total assets | $160,492,000,000 | 27 |
| Average earning assets | $142,096,250,000 | 27 |
| Average equity | $16,288,500,000 | 23 |
| Average total loans | $92,065,500,000 | 23 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0667% | 3,389 |
| Cost of funding earning assets | 0.0681% | 4,472 |
| Net interest margin | 2.9986% | 2,881 |
| Noninterest income to average assets | 1.5100% | 334 |
| Noninterest expense to average assets | 2.2372% | 2,743 |
| Loan and lease loss provision to assets | 0.0297% | 2,055 |
| Net operating income to assets | 1.4981% | 714 |
| Return on assets (ROA) | 1.4717% | 737 |
| Pretax return on assets | 1.8761% | 492 |
| Return on Equity (ROE) | 14.1207% | 1,084 |
| Retained earnings to average equity (ytd only) | 8.7928% | 1,347 |
| Net charge-offs to loans | 0.1847% | 350 |
| Credit loss provision to net charge-offs | 35.7143% | 1,546 |
| Earnings coverage of net charge-offs (x) | 18.6667% | 1,575 |
| Efficiency ratio | 52.7983% | 4,066 |
| Assets per employee ($millions) | 8.1607% | 1,222 |
| Cash dividends to net income (ytd only)* | 37.7311% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5152% | 1,366 |
| Loan loss allowance to noncurrent loans | 281.0651% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.3242% | 1,702 |
| Noncurrent loans to loans | 0.5391% | 1,537 |
| Net loans and leases to total assets | 57.9672% | 2,542 |
| Net loans and leases to deposits | 66.3672% | 2,515 |
| Net loans and leases to core deposits | 67.3840% | 2,706 |
| Total domestic deposits to total assets | 87.3432% | 2,812 |
| Equity capital to assets | 10.0665% | 1,680 |
| Core capital (leverage) ratio | 8.2992% | 4,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0843% | 2,793 |
| Memoranda: | ||
| Average total assets | $161,719,666,667 | 27 |
| Average earning assets | $143,801,666,667 | 27 |
| Average equity | $16,854,666,667 | 21 |
| Average total loans | $90,945,333,333 | 22 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9008% | 3,534 |
| Cost of funding earning assets | 0.0579% | 4,538 |
| Net interest margin | 2.8429% | 3,005 |
| Noninterest income to average assets | 1.4408% | 371 |
| Noninterest expense to average assets | 2.1907% | 2,865 |
| Loan and lease loss provision to assets | -0.0885% | 4,578 |
| Net operating income to assets | 1.4621% | 688 |
| Return on assets (ROA) | 1.4310% | 740 |
| Pretax return on assets | 1.8342% | 509 |
| Return on Equity (ROE) | 13.5039% | 936 |
| Retained earnings to average equity (ytd only) | 13.5039% | 420 |
| Net charge-offs to loans | 0.2058% | 299 |
| Credit loss provision to net charge-offs | -36.9565% | 2,800 |
| Earnings coverage of net charge-offs (x) | 15.7826% | 1,343 |
| Efficiency ratio | 54.2981% | 4,033 |
| Assets per employee ($millions) | 8.3115% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5731% | 1,339 |
| Loan loss allowance to noncurrent loans | 280.9524% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.3162% | 1,858 |
| Noncurrent loans to loans | 0.5599% | 1,641 |
| Net loans and leases to total assets | 54.2944% | 2,719 |
| Net loans and leases to deposits | 62.2297% | 2,697 |
| Net loans and leases to core deposits | 63.1807% | 2,871 |
| Total domestic deposits to total assets | 87.2484% | 2,833 |
| Equity capital to assets | 10.2826% | 1,699 |
| Core capital (leverage) ratio | 8.2823% | 4,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5441% | 2,760 |
| Memoranda: | ||
| Average total assets | $162,686,000,000 | 26 |
| Average earning assets | $145,061,500,000 | 26 |
| Average equity | $17,239,500,000 | 20 |
| Average total loans | $89,393,500,000 | 22 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9676% | 3,928 |
| Cost of funding earning assets | 0.0720% | 4,577 |
| Net interest margin | 2.8956% | 3,450 |
| Noninterest income to average assets | 1.5319% | 481 |
| Noninterest expense to average assets | 2.3001% | 2,794 |
| Loan and lease loss provision to assets | -0.3397% | 4,789 |
| Net operating income to assets | 1.6885% | 647 |
| Return on assets (ROA) | 1.6998% | 655 |
| Pretax return on assets | 2.1659% | 444 |
| Return on Equity (ROE) | 14.4517% | 1,072 |
| Retained earnings to average equity (ytd only) | 2.0504% | 3,967 |
| Net charge-offs to loans | 0.2363% | 394 |
| Credit loss provision to net charge-offs | -241.6667% | 3,563 |
| Earnings coverage of net charge-offs (x) | 13.7010% | 2,066 |
| Efficiency ratio | 55.4154% | 3,771 |
| Assets per employee ($millions) | 8.3010% | 1,173 |
| Cash dividends to net income (ytd only)* | 85.8124% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6660% | 1,122 |
| Loan loss allowance to noncurrent loans | 226.4931% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.4106% | 1,593 |
| Noncurrent loans to loans | 0.7356% | 1,379 |
| Net loans and leases to total assets | 53.8217% | 2,873 |
| Net loans and leases to deposits | 61.8548% | 2,894 |
| Net loans and leases to core deposits | 62.9366% | 3,083 |
| Total domestic deposits to total assets | 87.0130% | 2,514 |
| Equity capital to assets | 10.9129% | 1,847 |
| Core capital (leverage) ratio | 8.0909% | 4,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3791% | 2,803 |
| Memoranda: | ||
| Average total assets | $154,253,200,000 | 24 |
| Average earning assets | $137,449,000,000 | 25 |
| Average equity | $18,143,200,000 | 18 |
| Average total loans | $86,324,000,000 | 22 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9712% | 4,056 |
| Cost of funding earning assets | 0.0757% | 4,655 |
| Net interest margin | 2.8955% | 3,563 |
| Noninterest income to average assets | 1.5647% | 509 |
| Noninterest expense to average assets | 2.2880% | 2,782 |
| Loan and lease loss provision to assets | -0.5551% | 4,889 |
| Net operating income to assets | 1.8767% | 583 |
| Return on assets (ROA) | 1.8940% | 586 |
| Pretax return on assets | 2.4316% | 373 |
| Return on Equity (ROE) | 15.7989% | 989 |
| Retained earnings to average equity (ytd only) | 3.7470% | 3,663 |
| Net charge-offs to loans | 0.2489% | 330 |
| Credit loss provision to net charge-offs | -361.8750% | 3,556 |
| Earnings coverage of net charge-offs (x) | 13.2375% | 1,934 |
| Efficiency ratio | 54.8087% | 3,692 |
| Assets per employee ($millions) | 8.2179% | 1,168 |
| Cash dividends to net income (ytd only)* | 76.2829% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6961% | 1,117 |
| Loan loss allowance to noncurrent loans | 203.7090% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4635% | 1,641 |
| Noncurrent loans to loans | 0.8326% | 1,375 |
| Net loans and leases to total assets | 53.2802% | 3,051 |
| Net loans and leases to deposits | 61.8685% | 3,054 |
| Net loans and leases to core deposits | 62.1276% | 3,307 |
| Total domestic deposits to total assets | 86.1185% | 2,702 |
| Equity capital to assets | 11.6413% | 1,582 |
| Core capital (leverage) ratio | 8.8528% | 3,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7205% | 2,464 |
| Memoranda: | ||
| Average total assets | $152,268,250,000 | 23 |
| Average earning assets | $135,564,000,000 | 24 |
| Average equity | $18,254,000,000 | 19 |
| Average total loans | $85,711,500,000 | 22 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9993% | 4,049 |
| Cost of funding earning assets | 0.0803% | 4,698 |
| Net interest margin | 2.9190% | 3,536 |
| Noninterest income to average assets | 1.5723% | 501 |
| Noninterest expense to average assets | 2.3009% | 2,773 |
| Loan and lease loss provision to assets | -0.6334% | 4,930 |
| Net operating income to assets | 1.9436% | 542 |
| Return on assets (ROA) | 1.9624% | 544 |
| Pretax return on assets | 2.5244% | 345 |
| Return on Equity (ROE) | 16.2091% | 913 |
| Retained earnings to average equity (ytd only) | 9.1094% | 1,679 |
| Net charge-offs to loans | 0.3016% | 286 |
| Credit loss provision to net charge-offs | -338.4615% | 3,356 |
| Earnings coverage of net charge-offs (x) | 10.8615% | 1,784 |
| Efficiency ratio | 54.7589% | 3,706 |
| Assets per employee ($millions) | 8.2578% | 1,099 |
| Cash dividends to net income (ytd only)* | 43.8005% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8733% | 774 |
| Loan loss allowance to noncurrent loans | 169.3531% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.6236% | 1,329 |
| Noncurrent loans to loans | 1.1061% | 1,093 |
| Net loans and leases to total assets | 54.0628% | 3,125 |
| Net loans and leases to deposits | 63.0129% | 3,105 |
| Net loans and leases to core deposits | 63.3037% | 3,353 |
| Total domestic deposits to total assets | 85.7964% | 2,803 |
| Equity capital to assets | 11.9714% | 1,376 |
| Core capital (leverage) ratio | 9.1378% | 3,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1946% | 2,296 |
| Memoranda: | ||
| Average total assets | $151,243,333,333 | 23 |
| Average earning assets | $134,498,666,667 | 23 |
| Average equity | $18,310,666,667 | 18 |
| Average total loans | $86,217,000,000 | 22 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0489% | 3,989 |
| Cost of funding earning assets | 0.0844% | 4,729 |
| Net interest margin | 2.9645% | 3,347 |
| Noninterest income to average assets | 1.6161% | 536 |
| Noninterest expense to average assets | 2.3412% | 2,673 |
| Loan and lease loss provision to assets | -0.3799% | 4,891 |
| Net operating income to assets | 1.7859% | 809 |
| Return on assets (ROA) | 1.8007% | 840 |
| Pretax return on assets | 2.3064% | 582 |
| Return on Equity (ROE) | 14.7880% | 1,258 |
| Retained earnings to average equity (ytd only) | 9.2947% | 1,862 |
| Net charge-offs to loans | 0.3829% | 217 |
| Credit loss provision to net charge-offs | -130.1205% | 2,869 |
| Earnings coverage of net charge-offs (x) | 8.5904% | 1,569 |
| Efficiency ratio | 54.6599% | 3,715 |
| Assets per employee ($millions) | 8.0882% | 1,161 |
| Cash dividends to net income (ytd only)* | 37.1471% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2914% | 370 |
| Loan loss allowance to noncurrent loans | 208.0000% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.6412% | 1,479 |
| Noncurrent loans to loans | 1.1016% | 1,211 |
| Net loans and leases to total assets | 55.2456% | 3,124 |
| Net loans and leases to deposits | 64.2966% | 3,098 |
| Net loans and leases to core deposits | 64.6131% | 3,359 |
| Total domestic deposits to total assets | 85.9231% | 2,763 |
| Equity capital to assets | 11.8372% | 1,371 |
| Core capital (leverage) ratio | 9.4421% | 3,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3051% | 2,160 |
| Memoranda: | ||
| Average total assets | $149,497,500,000 | 22 |
| Average earning assets | $132,771,000,000 | 23 |
| Average equity | $18,204,000,000 | 18 |
| Average total loans | $86,700,000,000 | 20 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4938% | 4,040 |
| Cost of funding earning assets | 0.2259% | 4,483 |
| Net interest margin | 3.2679% | 3,163 |
| Noninterest income to average assets | 1.5980% | 485 |
| Noninterest expense to average assets | 2.4923% | 2,873 |
| Loan and lease loss provision to assets | 0.9600% | 107 |
| Net operating income to assets | 0.8457% | 2,918 |
| Return on assets (ROA) | 0.8553% | 3,019 |
| Pretax return on assets | 1.0285% | 2,945 |
| Return on Equity (ROE) | 6.6988% | 3,326 |
| Retained earnings to average equity (ytd only) | 5.1159% | 2,229 |
| Net charge-offs to loans | 0.5809% | 259 |
| Credit loss provision to net charge-offs | 256.2500% | 1,907 |
| Earnings coverage of net charge-offs (x) | 5.3496% | 2,873 |
| Efficiency ratio | 55.2972% | 4,064 |
| Assets per employee ($millions) | 7.5765% | 1,233 |
| Cash dividends to net income (ytd only)* | 23.6287% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4861% | 269 |
| Loan loss allowance to noncurrent loans | 222.9424% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.6854% | 1,521 |
| Noncurrent loans to loans | 1.1151% | 1,274 |
| Net loans and leases to total assets | 58.0279% | 3,085 |
| Net loans and leases to deposits | 68.4196% | 3,039 |
| Net loans and leases to core deposits | 68.8112% | 3,346 |
| Total domestic deposits to total assets | 84.8118% | 2,832 |
| Equity capital to assets | 12.5304% | 1,306 |
| Core capital (leverage) ratio | 9.3010% | 3,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8860% | 2,284 |
| Memoranda: | ||
| Average total assets | $138,548,000,000 | 22 |
| Average earning assets | $121,728,200,000 | 24 |
| Average equity | $17,689,800,000 | 17 |
| Average total loans | $88,134,000,000 | 21 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5579% | 4,114 |
| Cost of funding earning assets | 0.2685% | 4,438 |
| Net interest margin | 3.2895% | 3,226 |
| Noninterest income to average assets | 1.5806% | 476 |
| Noninterest expense to average assets | 2.4945% | 2,873 |
| Loan and lease loss provision to assets | 1.3356% | 74 |
| Net operating income to assets | 0.5228% | 3,974 |
| Return on assets (ROA) | 0.5292% | 4,052 |
| Pretax return on assets | 0.6414% | 4,026 |
| Return on Equity (ROE) | 4.1238% | 4,129 |
| Retained earnings to average equity (ytd only) | 4.1238% | 2,983 |
| Net charge-offs to loans | 0.6306% | 226 |
| Credit loss provision to net charge-offs | 317.4641% | 1,710 |
| Earnings coverage of net charge-offs (x) | 4.8254% | 2,785 |
| Efficiency ratio | 55.4024% | 3,991 |
| Assets per employee ($millions) | 7.3366% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5417% | 215 |
| Loan loss allowance to noncurrent loans | 233.1967% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.7053% | 1,655 |
| Noncurrent loans to loans | 1.0900% | 1,382 |
| Net loans and leases to total assets | 60.4051% | 3,180 |
| Net loans and leases to deposits | 71.9620% | 3,135 |
| Net loans and leases to core deposits | 72.4705% | 3,436 |
| Total domestic deposits to total assets | 83.9403% | 2,836 |
| Equity capital to assets | 12.6259% | 1,368 |
| Core capital (leverage) ratio | 9.2001% | 3,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4052% | 2,458 |
| Memoranda: | ||
| Average total assets | $136,566,000,000 | 22 |
| Average earning assets | $119,691,500,000 | 24 |
| Average equity | $17,523,750,000 | 17 |
| Average total loans | $88,376,500,000 | 21 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6455% | 4,182 |
| Cost of funding earning assets | 0.3311% | 4,358 |
| Net interest margin | 3.3144% | 3,347 |
| Noninterest income to average assets | 1.5501% | 425 |
| Noninterest expense to average assets | 2.5207% | 2,906 |
| Loan and lease loss provision to assets | 1.8741% | 60 |
| Net operating income to assets | 0.0336% | 4,745 |
| Return on assets (ROA) | 0.0254% | 4,778 |
| Pretax return on assets | 0.0448% | 4,761 |
| Return on Equity (ROE) | 0.1967% | 4,781 |
| Retained earnings to average equity (ytd only) | 0.1967% | 4,275 |
| Net charge-offs to loans | 0.6933% | 226 |
| Credit loss provision to net charge-offs | 398.0328% | 1,413 |
| Earnings coverage of net charge-offs (x) | 4.2361% | 2,612 |
| Efficiency ratio | 56.1745% | 3,922 |
| Assets per employee ($millions) | 7.1736% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4820% | 230 |
| Loan loss allowance to noncurrent loans | 271.2753% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.6281% | 1,937 |
| Noncurrent loans to loans | 0.9149% | 1,685 |
| Net loans and leases to total assets | 62.3411% | 3,087 |
| Net loans and leases to deposits | 74.6313% | 3,017 |
| Net loans and leases to core deposits | 75.2613% | 3,350 |
| Total domestic deposits to total assets | 83.5321% | 2,910 |
| Equity capital to assets | 12.3931% | 1,430 |
| Core capital (leverage) ratio | 8.9956% | 3,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7670% | 2,704 |
| Memoranda: | ||
| Average total assets | $133,930,333,333 | 23 |
| Average earning assets | $117,185,333,333 | 24 |
| Average equity | $17,284,666,667 | 17 |
| Average total loans | $87,987,000,000 | 22 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8223% | 4,186 |
| Cost of funding earning assets | 0.4476% | 4,163 |
| Net interest margin | 3.3747% | 3,381 |
| Noninterest income to average assets | 1.5731% | 362 |
| Noninterest expense to average assets | 2.5082% | 3,251 |
| Loan and lease loss provision to assets | 1.1550% | 168 |
| Net operating income to assets | 0.6743% | 3,350 |
| Return on assets (ROA) | 0.6131% | 3,621 |
| Pretax return on assets | 0.7741% | 3,480 |
| Return on Equity (ROE) | 4.6483% | 3,765 |
| Retained earnings to average equity (ytd only) | 4.6483% | 2,437 |
| Net charge-offs to loans | 0.5712% | 258 |
| Credit loss provision to net charge-offs | 305.6911% | 1,164 |
| Earnings coverage of net charge-offs (x) | 5.2683% | 2,075 |
| Efficiency ratio | 55.1440% | 4,290 |
| Assets per employee ($millions) | 6.7453% | 1,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7595% | 767 |
| Loan loss allowance to noncurrent loans | 183.3137% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.6978% | 1,920 |
| Noncurrent loans to loans | 0.9598% | 1,708 |
| Net loans and leases to total assets | 65.6341% | 2,856 |
| Net loans and leases to deposits | 85.5979% | 2,049 |
| Net loans and leases to core deposits | 87.1219% | 2,587 |
| Total domestic deposits to total assets | 76.6772% | 4,399 |
| Equity capital to assets | 13.3045% | 1,304 |
| Core capital (leverage) ratio | 10.3939% | 3,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9409% | 2,734 |
| Memoranda: | ||
| Average total assets | $129,174,000,000 | 23 |
| Average earning assets | $112,602,000,000 | 26 |
| Average equity | $17,038,500,000 | 19 |
| Average total loans | $86,130,500,000 | 22 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1659% | 3,894 |
| Cost of funding earning assets | 0.6355% | 3,484 |
| Net interest margin | 3.5303% | 3,348 |
| Noninterest income to average assets | 1.6662% | 346 |
| Noninterest expense to average assets | 2.6403% | 3,060 |
| Loan and lease loss provision to assets | 0.3057% | 545 |
| Net operating income to assets | 1.4177% | 1,285 |
| Return on assets (ROA) | 1.4102% | 1,389 |
| Pretax return on assets | 1.7784% | 995 |
| Return on Equity (ROE) | 10.9984% | 1,893 |
| Retained earnings to average equity (ytd only) | 0.6778% | 4,496 |
| Net charge-offs to loans | 0.4270% | 451 |
| Credit loss provision to net charge-offs | 108.1006% | 2,304 |
| Earnings coverage of net charge-offs (x) | 7.4022% | 2,881 |
| Efficiency ratio | 55.3405% | 4,290 |
| Assets per employee ($millions) | 6.4445% | 1,316 |
| Cash dividends to net income (ytd only)* | 93.8375% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0395% | 3,275 |
| Loan loss allowance to noncurrent loans | 116.8011% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.6542% | 1,948 |
| Noncurrent loans to loans | 0.8900% | 1,726 |
| Net loans and leases to total assets | 65.8471% | 2,968 |
| Net loans and leases to deposits | 82.8669% | 2,463 |
| Net loans and leases to core deposits | 84.3583% | 2,917 |
| Total domestic deposits to total assets | 79.4613% | 4,084 |
| Equity capital to assets | 13.0698% | 1,477 |
| Core capital (leverage) ratio | 10.2423% | 3,255 |
| Tier 1 risk-based capital ratio | 11.5826% | 4,585 |
| Total risk-based capital ratio | 12.9190% | 4,430 |
| Memoranda: | ||
| Average total assets | $126,577,117,600 | 23 |
| Average earning assets | $109,989,287,600 | 25 |
| Average equity | $16,229,575,200 | 20 |
| Average total loans | $83,839,587,200 | 20 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2232% | 3,873 |
| Cost of funding earning assets | 0.6696% | 3,355 |
| Net interest margin | 3.5536% | 3,394 |
| Noninterest income to average assets | 1.6433% | 349 |
| Noninterest expense to average assets | 2.6338% | 3,061 |
| Loan and lease loss provision to assets | 0.3060% | 481 |
| Net operating income to assets | 1.4186% | 1,415 |
| Return on assets (ROA) | 1.4036% | 1,516 |
| Pretax return on assets | 1.7706% | 1,158 |
| Return on Equity (ROE) | 10.9998% | 2,016 |
| Retained earnings to average equity (ytd only) | 1.7303% | 4,357 |
| Net charge-offs to loans | 0.4164% | 398 |
| Credit loss provision to net charge-offs | 111.0687% | 2,078 |
| Earnings coverage of net charge-offs (x) | 7.6069% | 2,725 |
| Efficiency ratio | 55.2690% | 4,247 |
| Assets per employee ($millions) | 6.5474% | 1,245 |
| Cash dividends to net income (ytd only)* | 84.2697% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 3,334 |
| Loan loss allowance to noncurrent loans | 126.8613% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.6037% | 2,193 |
| Noncurrent loans to loans | 0.8220% | 1,922 |
| Net loans and leases to total assets | 64.6566% | 3,222 |
| Net loans and leases to deposits | 84.8711% | 2,334 |
| Net loans and leases to core deposits | 86.6666% | 2,852 |
| Total domestic deposits to total assets | 76.1822% | 4,629 |
| Equity capital to assets | 13.2551% | 1,479 |
| Core capital (leverage) ratio | 10.2872% | 3,318 |
| Tier 1 risk-based capital ratio | 11.6672% | 4,584 |
| Total risk-based capital ratio | 13.0059% | 4,437 |
| Memoranda: | ||
| Average total assets | $126,811,147,000 | 23 |
| Average earning assets | $110,119,109,500 | 26 |
| Average equity | $16,181,719,000 | 20 |
| Average total loans | $83,899,484,000 | 21 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2539% | 3,779 |
| Cost of funding earning assets | 0.6887% | 3,226 |
| Net interest margin | 3.5652% | 3,378 |
| Noninterest income to average assets | 1.6039% | 356 |
| Noninterest expense to average assets | 2.6326% | 3,111 |
| Loan and lease loss provision to assets | 0.2892% | 485 |
| Net operating income to assets | 1.4143% | 1,393 |
| Return on assets (ROA) | 1.3906% | 1,516 |
| Pretax return on assets | 1.7524% | 1,165 |
| Return on Equity (ROE) | 11.0412% | 1,956 |
| Retained earnings to average equity (ytd only) | 1.3174% | 4,345 |
| Net charge-offs to loans | 0.4067% | 411 |
| Credit loss provision to net charge-offs | 107.0175% | 1,872 |
| Earnings coverage of net charge-offs (x) | 7.6667% | 2,471 |
| Efficiency ratio | 55.5257% | 4,303 |
| Assets per employee ($millions) | 6.4453% | 1,264 |
| Cash dividends to net income (ytd only)* | 88.0682% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 3,538 |
| Loan loss allowance to noncurrent loans | 112.8477% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.6596% | 2,062 |
| Noncurrent loans to loans | 0.8982% | 1,820 |
| Net loans and leases to total assets | 65.5718% | 3,160 |
| Net loans and leases to deposits | 84.6212% | 2,416 |
| Net loans and leases to core deposits | 86.7084% | 2,904 |
| Total domestic deposits to total assets | 77.4887% | 4,486 |
| Equity capital to assets | 12.9910% | 1,593 |
| Core capital (leverage) ratio | 10.0502% | 3,537 |
| Tier 1 risk-based capital ratio | 11.5447% | 4,662 |
| Total risk-based capital ratio | 12.8636% | 4,523 |
| Memoranda: | ||
| Average total assets | $126,567,196,000 | 22 |
| Average earning assets | $110,063,812,670 | 26 |
| Average equity | $15,940,292,000 | 21 |
| Average total loans | $84,087,978,670 | 20 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2453% | 3,725 |
| Cost of funding earning assets | 0.6688% | 3,211 |
| Net interest margin | 3.5765% | 3,341 |
| Noninterest income to average assets | 1.5601% | 355 |
| Noninterest expense to average assets | 2.6170% | 3,164 |
| Loan and lease loss provision to assets | 0.2880% | 463 |
| Net operating income to assets | 1.3885% | 1,408 |
| Return on assets (ROA) | 1.3860% | 1,449 |
| Pretax return on assets | 1.7658% | 1,062 |
| Return on Equity (ROE) | 11.1821% | 1,877 |
| Retained earnings to average equity (ytd only) | 2.5019% | 3,924 |
| Net charge-offs to loans | 0.3710% | 419 |
| Credit loss provision to net charge-offs | 116.6667% | 1,438 |
| Earnings coverage of net charge-offs (x) | 8.3333% | 2,088 |
| Efficiency ratio | 55.5856% | 4,382 |
| Assets per employee ($millions) | 6.4073% | 1,284 |
| Cash dividends to net income (ytd only)* | 77.6256% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 3,654 |
| Loan loss allowance to noncurrent loans | 112.3847% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.6620% | 2,111 |
| Noncurrent loans to loans | 0.8956% | 1,863 |
| Net loans and leases to total assets | 65.4974% | 3,113 |
| Net loans and leases to deposits | 85.2973% | 2,214 |
| Net loans and leases to core deposits | 87.5722% | 2,733 |
| Total domestic deposits to total assets | 76.7872% | 4,675 |
| Equity capital to assets | 12.4140% | 1,791 |
| Core capital (leverage) ratio | 10.0837% | 3,510 |
| Tier 1 risk-based capital ratio | 11.5042% | 4,742 |
| Total risk-based capital ratio | 12.8209% | 4,589 |
| Memoranda: | ||
| Average total assets | $126,402,794,000 | 24 |
| Average earning assets | $110,051,719,000 | 27 |
| Average equity | $15,667,938,000 | 24 |
| Average total loans | $84,101,968,000 | 21 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0285% | 3,948 |
| Cost of funding earning assets | 0.4465% | 3,705 |
| Net interest margin | 3.5821% | 3,441 |
| Noninterest income to average assets | 1.6295% | 362 |
| Noninterest expense to average assets | 2.7922% | 2,718 |
| Loan and lease loss provision to assets | 0.1854% | 1,044 |
| Net operating income to assets | 1.4028% | 1,427 |
| Return on assets (ROA) | 1.4058% | 1,399 |
| Pretax return on assets | 1.7673% | 1,004 |
| Return on Equity (ROE) | 10.9286% | 2,111 |
| Retained earnings to average equity (ytd only) | -2.8573% | 5,174 |
| Net charge-offs to loans | 0.3972% | 469 |
| Credit loss provision to net charge-offs | 70.8047% | 2,979 |
| Earnings coverage of net charge-offs (x) | 7.4417% | 2,995 |
| Efficiency ratio | 58.3941% | 4,100 |
| Assets per employee ($millions) | 6.2653% | 1,348 |
| Cash dividends to net income (ytd only)* | 126.1449% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 3,647 |
| Loan loss allowance to noncurrent loans | 114.5278% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.6558% | 2,083 |
| Noncurrent loans to loans | 0.8784% | 1,832 |
| Net loans and leases to total assets | 66.2433% | 3,097 |
| Net loans and leases to deposits | 85.6474% | 2,322 |
| Net loans and leases to core deposits | 87.8481% | 2,765 |
| Total domestic deposits to total assets | 77.3442% | 4,581 |
| Equity capital to assets | 12.3760% | 1,650 |
| Core capital (leverage) ratio | 10.1185% | 3,435 |
| Tier 1 risk-based capital ratio | 11.5927% | 4,670 |
| Total risk-based capital ratio | 12.9190% | 4,524 |
| Memoranda: | ||
| Average total assets | $123,494,115,600 | 24 |
| Average earning assets | $107,274,984,800 | 26 |
| Average equity | $15,885,849,200 | 21 |
| Average total loans | $81,428,168,800 | 21 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9643% | 4,037 |
| Cost of funding earning assets | 0.4060% | 3,815 |
| Net interest margin | 3.5584% | 3,495 |
| Noninterest income to average assets | 1.6397% | 366 |
| Noninterest expense to average assets | 2.8424% | 2,489 |
| Loan and lease loss provision to assets | 0.1450% | 1,370 |
| Net operating income to assets | 1.3773% | 1,568 |
| Return on assets (ROA) | 1.3908% | 1,521 |
| Pretax return on assets | 1.7583% | 1,115 |
| Return on Equity (ROE) | 10.7089% | 2,302 |
| Retained earnings to average equity (ytd only) | 0.0832% | 5,022 |
| Net charge-offs to loans | 0.3755% | 431 |
| Credit loss provision to net charge-offs | 58.7908% | 2,758 |
| Earnings coverage of net charge-offs (x) | 7.6459% | 2,786 |
| Efficiency ratio | 59.6053% | 3,864 |
| Assets per employee ($millions) | 6.2571% | 1,306 |
| Cash dividends to net income (ytd only)* | 99.2229% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 3,630 |
| Loan loss allowance to noncurrent loans | 108.4734% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.6903% | 2,132 |
| Noncurrent loans to loans | 0.9427% | 1,801 |
| Net loans and leases to total assets | 65.6113% | 3,226 |
| Net loans and leases to deposits | 85.4739% | 2,424 |
| Net loans and leases to core deposits | 87.5490% | 2,871 |
| Total domestic deposits to total assets | 76.7618% | 4,681 |
| Equity capital to assets | 12.4822% | 1,599 |
| Core capital (leverage) ratio | 10.5107% | 3,073 |
| Tier 1 risk-based capital ratio | 12.2188% | 4,365 |
| Total risk-based capital ratio | 13.5651% | 4,201 |
| Memoranda: | ||
| Average total assets | $123,188,497,500 | 23 |
| Average earning assets | $106,936,371,500 | 26 |
| Average equity | $15,998,592,500 | 20 |
| Average total loans | $80,921,227,000 | 20 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9055% | 4,066 |
| Cost of funding earning assets | 0.3760% | 3,905 |
| Net interest margin | 3.5295% | 3,538 |
| Noninterest income to average assets | 1.6414% | 372 |
| Noninterest expense to average assets | 2.8271% | 2,585 |
| Loan and lease loss provision to assets | 0.0813% | 2,283 |
| Net operating income to assets | 1.4070% | 1,413 |
| Return on assets (ROA) | 1.4157% | 1,382 |
| Pretax return on assets | 1.8083% | 943 |
| Return on Equity (ROE) | 10.7603% | 2,204 |
| Retained earnings to average equity (ytd only) | 8.4110% | 1,441 |
| Net charge-offs to loans | 0.3640% | 433 |
| Credit loss provision to net charge-offs | 34.1264% | 2,607 |
| Earnings coverage of net charge-offs (x) | 7.8818% | 2,519 |
| Efficiency ratio | 59.5598% | 3,998 |
| Assets per employee ($millions) | 6.1033% | 1,399 |
| Cash dividends to net income (ytd only)* | 21.8329% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0344% | 3,626 |
| Loan loss allowance to noncurrent loans | 99.8743% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.7377% | 2,027 |
| Noncurrent loans to loans | 1.0357% | 1,698 |
| Net loans and leases to total assets | 64.8094% | 3,305 |
| Net loans and leases to deposits | 82.9381% | 2,663 |
| Net loans and leases to core deposits | 84.9540% | 3,013 |
| Total domestic deposits to total assets | 78.1419% | 4,565 |
| Equity capital to assets | 13.1649% | 1,237 |
| Core capital (leverage) ratio | 11.1376% | 2,401 |
| Tier 1 risk-based capital ratio | 12.9851% | 3,903 |
| Total risk-based capital ratio | 14.3403% | 3,770 |
| Memoranda: | ||
| Average total assets | $122,941,848,670 | 22 |
| Average earning assets | $106,734,519,330 | 26 |
| Average equity | $16,175,140,670 | 20 |
| Average total loans | $80,511,244,330 | 20 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8625% | 4,040 |
| Cost of funding earning assets | 0.3542% | 3,955 |
| Net interest margin | 3.5083% | 3,503 |
| Noninterest income to average assets | 1.6193% | 377 |
| Noninterest expense to average assets | 2.8037% | 2,675 |
| Loan and lease loss provision to assets | -0.0326% | 5,443 |
| Net operating income to assets | 1.4374% | 1,233 |
| Return on assets (ROA) | 1.4523% | 1,195 |
| Pretax return on assets | 1.9112% | 703 |
| Return on Equity (ROE) | 11.0418% | 1,953 |
| Retained earnings to average equity (ytd only) | 11.0418% | 887 |
| Net charge-offs to loans | 0.4170% | 372 |
| Credit loss provision to net charge-offs | -11.9487% | 3,563 |
| Earnings coverage of net charge-offs (x) | 6.8110% | 2,135 |
| Efficiency ratio | 59.5951% | 4,118 |
| Assets per employee ($millions) | 5.9135% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 3,682 |
| Loan loss allowance to noncurrent loans | 96.1599% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 0.7814% | 2,013 |
| Noncurrent loans to loans | 1.0886% | 1,683 |
| Net loans and leases to total assets | 65.1813% | 3,152 |
| Net loans and leases to deposits | 80.6246% | 2,736 |
| Net loans and leases to core deposits | 82.6474% | 3,093 |
| Total domestic deposits to total assets | 80.8304% | 4,236 |
| Equity capital to assets | 13.2490% | 1,136 |
| Core capital (leverage) ratio | 10.9007% | 2,539 |
| Tier 1 risk-based capital ratio | 12.9154% | 3,998 |
| Total risk-based capital ratio | 14.2921% | 3,841 |
| Memoranda: | ||
| Average total assets | $122,595,230,500 | 22 |
| Average earning assets | $106,376,904,500 | 25 |
| Average equity | $16,124,520,500 | 20 |
| Average total loans | $80,284,551,500 | 19 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6306% | 4,506 |
| Cost of funding earning assets | 0.2775% | 4,345 |
| Net interest margin | 3.3532% | 4,001 |
| Noninterest income to average assets | 1.6178% | 401 |
| Noninterest expense to average assets | 2.7634% | 2,910 |
| Loan and lease loss provision to assets | 0.1213% | 1,890 |
| Net operating income to assets | 1.0994% | 1,857 |
| Return on assets (ROA) | 1.1105% | 1,848 |
| Pretax return on assets | 1.6576% | 1,126 |
| Return on Equity (ROE) | 8.4708% | 2,564 |
| Retained earnings to average equity (ytd only) | 0.4502% | 4,859 |
| Net charge-offs to loans | 0.3817% | 662 |
| Credit loss provision to net charge-offs | 48.8924% | 3,341 |
| Earnings coverage of net charge-offs (x) | 7.1020% | 3,089 |
| Efficiency ratio | 60.4611% | 4,190 |
| Assets per employee ($millions) | 5.8844% | 1,596 |
| Cash dividends to net income (ytd only)* | 94.6848% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 2,992 |
| Loan loss allowance to noncurrent loans | 97.5108% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 0.8467% | 1,841 |
| Noncurrent loans to loans | 1.1929% | 1,491 |
| Net loans and leases to total assets | 64.3513% | 3,327 |
| Net loans and leases to deposits | 80.1616% | 2,898 |
| Net loans and leases to core deposits | 82.8414% | 3,165 |
| Total domestic deposits to total assets | 80.2582% | 4,292 |
| Equity capital to assets | 13.0575% | 1,236 |
| Core capital (leverage) ratio | 10.5380% | 2,801 |
| Tier 1 risk-based capital ratio | 12.4943% | 4,210 |
| Total risk-based capital ratio | 13.9683% | 3,976 |
| Memoranda: | ||
| Average total assets | $123,638,410,400 | 22 |
| Average earning assets | $107,221,012,800 | 23 |
| Average equity | $16,208,300,200 | 20 |
| Average total loans | $80,385,677,800 | 18 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5963% | 4,570 |
| Cost of funding earning assets | 0.2676% | 4,426 |
| Net interest margin | 3.3287% | 4,078 |
| Noninterest income to average assets | 1.6077% | 427 |
| Noninterest expense to average assets | 2.7215% | 2,990 |
| Loan and lease loss provision to assets | 0.2091% | 902 |
| Net operating income to assets | 1.0850% | 2,152 |
| Return on assets (ROA) | 1.0914% | 2,182 |
| Pretax return on assets | 1.5746% | 1,502 |
| Return on Equity (ROE) | 8.3172% | 2,971 |
| Retained earnings to average equity (ytd only) | 0.4330% | 5,123 |
| Net charge-offs to loans | 0.4050% | 523 |
| Credit loss provision to net charge-offs | 79.4343% | 2,591 |
| Earnings coverage of net charge-offs (x) | 6.7413% | 2,949 |
| Efficiency ratio | 59.9256% | 4,231 |
| Assets per employee ($millions) | 5.7412% | 1,692 |
| Cash dividends to net income (ytd only)* | 94.7936% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 2,332 |
| Loan loss allowance to noncurrent loans | 102.9491% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 0.9025% | 1,895 |
| Noncurrent loans to loans | 1.2675% | 1,512 |
| Net loans and leases to total assets | 64.2620% | 3,353 |
| Net loans and leases to deposits | 78.8821% | 3,081 |
| Net loans and leases to core deposits | 82.1003% | 3,274 |
| Total domestic deposits to total assets | 81.4362% | 3,935 |
| Equity capital to assets | 13.2637% | 1,268 |
| Core capital (leverage) ratio | 10.4942% | 2,994 |
| Tier 1 risk-based capital ratio | 12.4360% | 4,360 |
| Total risk-based capital ratio | 14.1829% | 3,969 |
| Memoranda: | ||
| Average total assets | $123,716,708,000 | 22 |
| Average earning assets | $107,340,545,500 | 23 |
| Average equity | $16,234,587,500 | 20 |
| Average total loans | $80,408,252,250 | 18 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5349% | 4,669 |
| Cost of funding earning assets | 0.2586% | 4,474 |
| Net interest margin | 3.2763% | 4,189 |
| Noninterest income to average assets | 1.6140% | 431 |
| Noninterest expense to average assets | 2.7215% | 3,008 |
| Loan and lease loss provision to assets | 0.1901% | 982 |
| Net operating income to assets | 1.0758% | 2,102 |
| Return on assets (ROA) | 1.0774% | 2,139 |
| Pretax return on assets | 1.5485% | 1,497 |
| Return on Equity (ROE) | 8.2395% | 2,892 |
| Retained earnings to average equity (ytd only) | 3.0027% | 3,929 |
| Net charge-offs to loans | 0.4171% | 486 |
| Credit loss provision to net charge-offs | 70.1771% | 2,374 |
| Earnings coverage of net charge-offs (x) | 6.4089% | 2,717 |
| Efficiency ratio | 60.4304% | 4,257 |
| Assets per employee ($millions) | 5.7947% | 1,611 |
| Cash dividends to net income (ytd only)* | 63.5572% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 2,466 |
| Loan loss allowance to noncurrent loans | 98.0289% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 0.9651% | 1,818 |
| Noncurrent loans to loans | 1.3155% | 1,471 |
| Net loans and leases to total assets | 64.3887% | 3,334 |
| Net loans and leases to deposits | 80.2509% | 2,882 |
| Net loans and leases to core deposits | 83.4188% | 3,130 |
| Total domestic deposits to total assets | 80.1768% | 4,368 |
| Equity capital to assets | 13.2640% | 1,246 |
| Core capital (leverage) ratio | 10.6118% | 2,798 |
| Tier 1 risk-based capital ratio | 12.4941% | 4,306 |
| Total risk-based capital ratio | 14.2303% | 3,928 |
| Memoranda: | ||
| Average total assets | $124,131,607,330 | 20 |
| Average earning assets | $107,745,339,330 | 23 |
| Average equity | $16,231,337,000 | 19 |
| Average total loans | $80,629,835,000 | 18 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4799% | 4,746 |
| Cost of funding earning assets | 0.2516% | 4,521 |
| Net interest margin | 3.2283% | 4,250 |
| Noninterest income to average assets | 1.6032% | 430 |
| Noninterest expense to average assets | 2.6775% | 3,230 |
| Loan and lease loss provision to assets | 0.2252% | 697 |
| Net operating income to assets | 1.0356% | 2,142 |
| Return on assets (ROA) | 1.0366% | 2,186 |
| Pretax return on assets | 1.5040% | 1,517 |
| Return on Equity (ROE) | 7.9850% | 2,928 |
| Retained earnings to average equity (ytd only) | 2.6573% | 4,077 |
| Net charge-offs to loans | 0.4966% | 368 |
| Credit loss provision to net charge-offs | 69.9587% | 1,838 |
| Earnings coverage of net charge-offs (x) | 5.3673% | 2,300 |
| Efficiency ratio | 60.1539% | 4,432 |
| Assets per employee ($millions) | 5.7923% | 1,662 |
| Cash dividends to net income (ytd only)* | 66.7213% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 2,440 |
| Loan loss allowance to noncurrent loans | 83.0404% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 1.1515% | 1,534 |
| Noncurrent loans to loans | 1.5892% | 1,228 |
| Net loans and leases to total assets | 64.1531% | 3,255 |
| Net loans and leases to deposits | 78.8206% | 2,890 |
| Net loans and leases to core deposits | 82.1546% | 3,079 |
| Total domestic deposits to total assets | 81.3134% | 4,340 |
| Equity capital to assets | 13.0935% | 1,221 |
| Core capital (leverage) ratio | 10.3948% | 3,012 |
| Tier 1 risk-based capital ratio | 12.3159% | 4,500 |
| Total risk-based capital ratio | 14.1695% | 4,024 |
| Memoranda: | ||
| Average total assets | $124,339,225,500 | 20 |
| Average earning assets | $107,921,082,500 | 23 |
| Average equity | $16,142,113,000 | 19 |
| Average total loans | $80,594,758,500 | 18 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3969% | 4,987 |
| Cost of funding earning assets | 0.2275% | 4,761 |
| Net interest margin | 3.1694% | 4,536 |
| Noninterest income to average assets | 1.6335% | 454 |
| Noninterest expense to average assets | 2.6932% | 3,361 |
| Loan and lease loss provision to assets | 0.2099% | 1,079 |
| Net operating income to assets | 1.0311% | 2,224 |
| Return on assets (ROA) | 1.0345% | 2,307 |
| Pretax return on assets | 1.4914% | 1,608 |
| Return on Equity (ROE) | 7.8572% | 3,022 |
| Retained earnings to average equity (ytd only) | 0.6178% | 5,081 |
| Net charge-offs to loans | 0.3399% | 804 |
| Credit loss provision to net charge-offs | 94.4369% | 2,715 |
| Earnings coverage of net charge-offs (x) | 7.6339% | 2,989 |
| Efficiency ratio | 60.6823% | 4,474 |
| Assets per employee ($millions) | 5.8568% | 1,578 |
| Cash dividends to net income (ytd only)* | 92.1375% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 2,302 |
| Loan loss allowance to noncurrent loans | 84.5034% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 1.1596% | 1,582 |
| Noncurrent loans to loans | 1.5974% | 1,234 |
| Net loans and leases to total assets | 63.7556% | 3,389 |
| Net loans and leases to deposits | 79.4008% | 2,954 |
| Net loans and leases to core deposits | 83.4187% | 3,083 |
| Total domestic deposits to total assets | 80.1471% | 4,542 |
| Equity capital to assets | 12.8723% | 1,314 |
| Core capital (leverage) ratio | 10.3433% | 3,055 |
| Tier 1 risk-based capital ratio | 12.1383% | 4,630 |
| Total risk-based capital ratio | 14.0046% | 4,122 |
| Memoranda: | ||
| Average total assets | $124,850,483,800 | 20 |
| Average earning assets | $108,567,955,000 | 22 |
| Average equity | $16,437,798,200 | 18 |
| Average total loans | $81,616,917,800 | 18 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3899% | 5,047 |
| Cost of funding earning assets | 0.2264% | 4,820 |
| Net interest margin | 3.1635% | 4,597 |
| Noninterest income to average assets | 1.6468% | 451 |
| Noninterest expense to average assets | 2.7016% | 3,343 |
| Loan and lease loss provision to assets | 0.2286% | 884 |
| Net operating income to assets | 1.0144% | 2,367 |
| Return on assets (ROA) | 1.0154% | 2,496 |
| Pretax return on assets | 1.4702% | 1,807 |
| Return on Equity (ROE) | 7.6692% | 3,206 |
| Retained earnings to average equity (ytd only) | 0.8103% | 5,143 |
| Net charge-offs to loans | 0.3162% | 733 |
| Credit loss provision to net charge-offs | 110.3053% | 2,222 |
| Earnings coverage of net charge-offs (x) | 8.1899% | 2,798 |
| Efficiency ratio | 60.7408% | 4,436 |
| Assets per employee ($millions) | 5.8122% | 1,571 |
| Cash dividends to net income (ytd only)* | 89.4340% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3827% | 2,277 |
| Loan loss allowance to noncurrent loans | 82.1870% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.1956% | 1,671 |
| Noncurrent loans to loans | 1.6824% | 1,253 |
| Net loans and leases to total assets | 64.6774% | 3,314 |
| Net loans and leases to deposits | 79.7956% | 2,995 |
| Net loans and leases to core deposits | 83.9059% | 3,131 |
| Total domestic deposits to total assets | 80.8629% | 4,283 |
| Equity capital to assets | 13.4847% | 1,254 |
| Core capital (leverage) ratio | 10.3120% | 3,215 |
| Tier 1 risk-based capital ratio | 12.0369% | 4,769 |
| Total risk-based capital ratio | 13.9232% | 4,263 |
| Memoranda: | ||
| Average total assets | $124,802,599,500 | 19 |
| Average earning assets | $108,578,982,000 | 21 |
| Average equity | $16,523,288,250 | 18 |
| Average total loans | $81,818,121,000 | 16 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4010% | 5,080 |
| Cost of funding earning assets | 0.2231% | 4,909 |
| Net interest margin | 3.1779% | 4,618 |
| Noninterest income to average assets | 1.5511% | 505 |
| Noninterest expense to average assets | 2.6698% | 3,488 |
| Loan and lease loss provision to assets | 0.2960% | 615 |
| Net operating income to assets | 0.9461% | 2,639 |
| Return on assets (ROA) | 0.9471% | 2,781 |
| Pretax return on assets | 1.3521% | 2,197 |
| Return on Equity (ROE) | 7.1977% | 3,424 |
| Retained earnings to average equity (ytd only) | 0.2671% | 5,221 |
| Net charge-offs to loans | 0.3416% | 688 |
| Credit loss provision to net charge-offs | 132.1740% | 1,753 |
| Earnings coverage of net charge-offs (x) | 7.3529% | 2,635 |
| Efficiency ratio | 61.1595% | 4,486 |
| Assets per employee ($millions) | 5.8007% | 1,547 |
| Cash dividends to net income (ytd only)* | 96.2898% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 2,298 |
| Loan loss allowance to noncurrent loans | 86.8111% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 1.1471% | 1,844 |
| Noncurrent loans to loans | 1.6123% | 1,330 |
| Net loans and leases to total assets | 64.7488% | 3,258 |
| Net loans and leases to deposits | 81.6089% | 2,753 |
| Net loans and leases to core deposits | 85.6833% | 2,933 |
| Total domestic deposits to total assets | 79.1344% | 4,747 |
| Equity capital to assets | 13.3416% | 1,311 |
| Core capital (leverage) ratio | 10.2662% | 3,250 |
| Tier 1 risk-based capital ratio | 11.8018% | 4,969 |
| Total risk-based capital ratio | 13.6802% | 4,485 |
| Memoranda: | ||
| Average total assets | $125,004,749,000 | 19 |
| Average earning assets | $108,777,272,330 | 20 |
| Average equity | $16,448,565,000 | 18 |
| Average total loans | $81,939,806,330 | 15 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4177% | 5,083 |
| Cost of funding earning assets | 0.2236% | 4,965 |
| Net interest margin | 3.1941% | 4,601 |
| Noninterest income to average assets | 1.5731% | 477 |
| Noninterest expense to average assets | 2.6620% | 3,538 |
| Loan and lease loss provision to assets | 0.3619% | 408 |
| Net operating income to assets | 0.9327% | 2,593 |
| Return on assets (ROA) | 0.9227% | 2,744 |
| Pretax return on assets | 1.3186% | 2,230 |
| Return on Equity (ROE) | 7.0616% | 3,420 |
| Retained earnings to average equity (ytd only) | -0.2925% | 5,160 |
| Net charge-offs to loans | 0.3334% | 666 |
| Credit loss provision to net charge-offs | 165.7937% | 1,214 |
| Earnings coverage of net charge-offs (x) | 7.7633% | 2,119 |
| Efficiency ratio | 60.4118% | 4,695 |
| Assets per employee ($millions) | 5.6522% | 1,707 |
| Cash dividends to net income (ytd only)* | 104.1421% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 2,397 |
| Loan loss allowance to noncurrent loans | 87.1691% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.1541% | 1,903 |
| Noncurrent loans to loans | 1.6112% | 1,431 |
| Net loans and leases to total assets | 64.8327% | 3,133 |
| Net loans and leases to deposits | 81.0933% | 2,661 |
| Net loans and leases to core deposits | 85.1419% | 2,832 |
| Total domestic deposits to total assets | 79.7317% | 4,808 |
| Equity capital to assets | 13.2437% | 1,296 |
| Core capital (leverage) ratio | 10.1728% | 3,342 |
| Tier 1 risk-based capital ratio | 11.6525% | 5,132 |
| Total risk-based capital ratio | 13.5961% | 4,591 |
| Memoranda: | ||
| Average total assets | $124,879,348,000 | 19 |
| Average earning assets | $108,833,740,500 | 20 |
| Average equity | $16,317,328,000 | 18 |
| Average total loans | $81,783,310,000 | 15 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3493% | 5,258 |
| Cost of funding earning assets | 0.2028% | 5,263 |
| Net interest margin | 3.1465% | 4,786 |
| Noninterest income to average assets | 1.4859% | 563 |
| Noninterest expense to average assets | 2.7417% | 3,440 |
| Loan and lease loss provision to assets | 0.1975% | 1,095 |
| Net operating income to assets | 0.8984% | 2,881 |
| Return on assets (ROA) | 0.9147% | 2,875 |
| Pretax return on assets | 1.3168% | 2,216 |
| Return on Equity (ROE) | 6.8960% | 3,563 |
| Retained earnings to average equity (ytd only) | 1.5827% | 4,817 |
| Net charge-offs to loans | 0.2972% | 1,020 |
| Credit loss provision to net charge-offs | 101.2554% | 2,473 |
| Earnings coverage of net charge-offs (x) | 7.6431% | 3,053 |
| Efficiency ratio | 63.9799% | 4,266 |
| Assets per employee ($millions) | 5.5457% | 1,744 |
| Cash dividends to net income (ytd only)* | 77.0488% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3555% | 2,643 |
| Loan loss allowance to noncurrent loans | 97.0577% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 1.0071% | 2,181 |
| Noncurrent loans to loans | 1.3966% | 1,673 |
| Net loans and leases to total assets | 64.3403% | 3,224 |
| Net loans and leases to deposits | 80.9160% | 2,720 |
| Net loans and leases to core deposits | 85.3840% | 2,840 |
| Total domestic deposits to total assets | 79.3205% | 4,902 |
| Equity capital to assets | 12.8899% | 1,404 |
| Core capital (leverage) ratio | 10.2805% | 3,176 |
| Tier 1 risk-based capital ratio | 11.6849% | 5,138 |
| Total risk-based capital ratio | 13.5935% | 4,629 |
| Memoranda: | ||
| Average total assets | $122,029,803,200 | 19 |
| Average earning assets | $106,517,222,800 | 18 |
| Average equity | $16,185,941,600 | 17 |
| Average total loans | $80,073,096,200 | 13 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3625% | 5,289 |
| Cost of funding earning assets | 0.1992% | 5,380 |
| Net interest margin | 3.1633% | 4,791 |
| Noninterest income to average assets | 1.4436% | 593 |
| Noninterest expense to average assets | 2.7684% | 3,312 |
| Loan and lease loss provision to assets | 0.1891% | 1,077 |
| Net operating income to assets | 0.8600% | 3,124 |
| Return on assets (ROA) | 0.8737% | 3,154 |
| Pretax return on assets | 1.2678% | 2,523 |
| Return on Equity (ROE) | 6.5398% | 3,882 |
| Retained earnings to average equity (ytd only) | 1.7253% | 5,012 |
| Net charge-offs to loans | 0.2684% | 991 |
| Credit loss provision to net charge-offs | 107.2279% | 2,151 |
| Earnings coverage of net charge-offs (x) | 8.1468% | 2,841 |
| Efficiency ratio | 65.0144% | 4,062 |
| Assets per employee ($millions) | 5.4701% | 1,811 |
| Cash dividends to net income (ytd only)* | 73.6193% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3677% | 2,749 |
| Loan loss allowance to noncurrent loans | 98.1775% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.0230% | 2,314 |
| Noncurrent loans to loans | 1.3931% | 1,831 |
| Net loans and leases to total assets | 64.9122% | 3,171 |
| Net loans and leases to deposits | 81.7183% | 2,678 |
| Net loans and leases to core deposits | 86.3940% | 2,808 |
| Total domestic deposits to total assets | 79.2279% | 4,925 |
| Equity capital to assets | 13.1784% | 1,364 |
| Core capital (leverage) ratio | 10.4217% | 3,141 |
| Tier 1 risk-based capital ratio | 11.7947% | 5,205 |
| Total risk-based capital ratio | 13.7482% | 4,659 |
| Memoranda: | ||
| Average total assets | $121,256,938,250 | 18 |
| Average earning assets | $105,861,974,250 | 18 |
| Average equity | $16,200,422,500 | 17 |
| Average total loans | $79,688,944,000 | 13 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3623% | 5,306 |
| Cost of funding earning assets | 0.1980% | 5,454 |
| Net interest margin | 3.1643% | 4,771 |
| Noninterest income to average assets | 1.4030% | 643 |
| Noninterest expense to average assets | 2.7925% | 3,260 |
| Loan and lease loss provision to assets | 0.1861% | 1,083 |
| Net operating income to assets | 0.8083% | 3,339 |
| Return on assets (ROA) | 0.8203% | 3,381 |
| Pretax return on assets | 1.2078% | 2,747 |
| Return on Equity (ROE) | 6.1111% | 4,073 |
| Retained earnings to average equity (ytd only) | 1.9031% | 4,746 |
| Net charge-offs to loans | 0.2535% | 1,024 |
| Credit loss provision to net charge-offs | 111.7564% | 1,906 |
| Earnings coverage of net charge-offs (x) | 8.2667% | 2,578 |
| Efficiency ratio | 66.1437% | 3,981 |
| Assets per employee ($millions) | 5.3879% | 1,849 |
| Cash dividends to net income (ytd only)* | 68.8585% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3824% | 2,837 |
| Loan loss allowance to noncurrent loans | 103.5191% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 1.0162% | 2,479 |
| Noncurrent loans to loans | 1.3354% | 2,010 |
| Net loans and leases to total assets | 65.7765% | 2,989 |
| Net loans and leases to deposits | 80.8561% | 2,682 |
| Net loans and leases to core deposits | 85.3296% | 2,846 |
| Total domestic deposits to total assets | 81.1365% | 4,574 |
| Equity capital to assets | 13.3280% | 1,248 |
| Core capital (leverage) ratio | 10.5651% | 2,875 |
| Tier 1 risk-based capital ratio | 11.9894% | 5,160 |
| Total risk-based capital ratio | 13.9875% | 4,577 |
| Memoranda: | ||
| Average total assets | $120,389,549,000 | 18 |
| Average earning assets | $105,229,554,670 | 18 |
| Average equity | $16,159,682,000 | 17 |
| Average total loans | $79,080,407,330 | 13 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3765% | 5,260 |
| Cost of funding earning assets | 0.2116% | 5,401 |
| Net interest margin | 3.1650% | 4,731 |
| Noninterest income to average assets | 1.3331% | 646 |
| Noninterest expense to average assets | 2.7388% | 3,457 |
| Loan and lease loss provision to assets | 0.1632% | 1,233 |
| Net operating income to assets | 0.7814% | 3,356 |
| Return on assets (ROA) | 0.7928% | 3,435 |
| Pretax return on assets | 1.2137% | 2,615 |
| Return on Equity (ROE) | 5.8851% | 4,085 |
| Retained earnings to average equity (ytd only) | 2.9186% | 4,222 |
| Net charge-offs to loans | 0.2788% | 864 |
| Credit loss provision to net charge-offs | 89.7913% | 1,742 |
| Earnings coverage of net charge-offs (x) | 7.4809% | 2,167 |
| Efficiency ratio | 65.9614% | 4,166 |
| Assets per employee ($millions) | 5.4273% | 1,856 |
| Cash dividends to net income (ytd only)* | 50.4072% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3942% | 2,945 |
| Loan loss allowance to noncurrent loans | 94.7003% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.0670% | 2,478 |
| Noncurrent loans to loans | 1.4722% | 1,925 |
| Net loans and leases to total assets | 63.9318% | 3,095 |
| Net loans and leases to deposits | 78.2341% | 2,770 |
| Net loans and leases to core deposits | 82.6084% | 2,899 |
| Total domestic deposits to total assets | 81.5229% | 4,667 |
| Equity capital to assets | 13.3763% | 1,229 |
| Core capital (leverage) ratio | 10.5610% | 2,896 |
| Tier 1 risk-based capital ratio | 12.1113% | 5,172 |
| Total risk-based capital ratio | 14.2217% | 4,534 |
| Memoranda: | ||
| Average total assets | $120,118,168,500 | 18 |
| Average earning assets | $104,945,189,500 | 18 |
| Average equity | $16,180,581,500 | 17 |
| Average total loans | $78,290,577,500 | 13 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5059% | 5,302 |
| Cost of funding earning assets | 0.2233% | 5,568 |
| Net interest margin | 3.2826% | 4,645 |
| Noninterest income to average assets | 1.5181% | 534 |
| Noninterest expense to average assets | 2.7386% | 3,719 |
| Loan and lease loss provision to assets | 0.0586% | 3,368 |
| Net operating income to assets | 1.0941% | 1,997 |
| Return on assets (ROA) | 1.1103% | 1,989 |
| Pretax return on assets | 1.5963% | 1,248 |
| Return on Equity (ROE) | 8.1133% | 3,071 |
| Retained earnings to average equity (ytd only) | 0.7592% | 5,428 |
| Net charge-offs to loans | 0.3995% | 1,075 |
| Credit loss provision to net charge-offs | 22.5056% | 3,945 |
| Earnings coverage of net charge-offs (x) | 6.2665% | 3,238 |
| Efficiency ratio | 61.7726% | 4,942 |
| Assets per employee ($millions) | 5.1536% | 2,119 |
| Cash dividends to net income (ytd only)* | 90.6421% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4172% | 2,866 |
| Loan loss allowance to noncurrent loans | 90.8449% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 1.1270% | 2,502 |
| Noncurrent loans to loans | 1.5600% | 1,876 |
| Net loans and leases to total assets | 64.5992% | 3,122 |
| Net loans and leases to deposits | 79.5751% | 2,778 |
| Net loans and leases to core deposits | 84.0466% | 2,896 |
| Total domestic deposits to total assets | 80.9571% | 4,760 |
| Equity capital to assets | 13.5669% | 1,127 |
| Core capital (leverage) ratio | 10.6367% | 2,795 |
| Tier 1 risk-based capital ratio | 12.2972% | 5,156 |
| Total risk-based capital ratio | 14.4526% | 4,508 |
| Memoranda: | ||
| Average total assets | $117,747,143,800 | 16 |
| Average earning assets | $102,306,120,400 | 18 |
| Average equity | $16,113,509,600 | 17 |
| Average total loans | $76,747,342,000 | 13 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5194% | 5,351 |
| Cost of funding earning assets | 0.2253% | 5,627 |
| Net interest margin | 3.2941% | 4,626 |
| Noninterest income to average assets | 1.5584% | 519 |
| Noninterest expense to average assets | 2.7162% | 3,763 |
| Loan and lease loss provision to assets | 0.0692% | 2,962 |
| Net operating income to assets | 1.1405% | 1,898 |
| Return on assets (ROA) | 1.1528% | 1,915 |
| Pretax return on assets | 1.6512% | 1,176 |
| Return on Equity (ROE) | 8.4057% | 2,984 |
| Retained earnings to average equity (ytd only) | 1.1651% | 5,422 |
| Net charge-offs to loans | 0.3905% | 1,019 |
| Credit loss provision to net charge-offs | 27.2355% | 3,495 |
| Earnings coverage of net charge-offs (x) | 6.6993% | 3,042 |
| Efficiency ratio | 60.5721% | 5,111 |
| Assets per employee ($millions) | 5.1587% | 2,069 |
| Cash dividends to net income (ytd only)* | 86.1390% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5275% | 2,586 |
| Loan loss allowance to noncurrent loans | 95.7364% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 1.1397% | 2,671 |
| Noncurrent loans to loans | 1.5956% | 2,030 |
| Net loans and leases to total assets | 64.1919% | 3,148 |
| Net loans and leases to deposits | 78.5869% | 2,884 |
| Net loans and leases to core deposits | 83.4199% | 2,950 |
| Total domestic deposits to total assets | 81.4770% | 4,673 |
| Equity capital to assets | 13.6960% | 1,111 |
| Core capital (leverage) ratio | 10.6587% | 2,852 |
| Tier 1 risk-based capital ratio | 12.3708% | 5,252 |
| Total risk-based capital ratio | 14.5930% | 4,583 |
| Memoranda: | ||
| Average total assets | $117,483,576,750 | 17 |
| Average earning assets | $102,028,203,750 | 19 |
| Average equity | $16,112,475,500 | 17 |
| Average total loans | $76,472,185,250 | 14 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5338% | 5,333 |
| Cost of funding earning assets | 0.2305% | 5,656 |
| Net interest margin | 3.3033% | 4,574 |
| Noninterest income to average assets | 1.5487% | 519 |
| Noninterest expense to average assets | 2.7383% | 3,737 |
| Loan and lease loss provision to assets | 0.0631% | 3,006 |
| Net operating income to assets | 1.1197% | 1,861 |
| Return on assets (ROA) | 1.1292% | 1,916 |
| Pretax return on assets | 1.6263% | 1,190 |
| Return on Equity (ROE) | 8.2299% | 2,968 |
| Retained earnings to average equity (ytd only) | 1.0795% | 5,325 |
| Net charge-offs to loans | 0.3903% | 1,036 |
| Credit loss provision to net charge-offs | 24.8644% | 3,121 |
| Earnings coverage of net charge-offs (x) | 6.5997% | 2,747 |
| Efficiency ratio | 61.1243% | 5,129 |
| Assets per employee ($millions) | 5.1813% | 1,991 |
| Cash dividends to net income (ytd only)* | 86.8837% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5956% | 2,476 |
| Loan loss allowance to noncurrent loans | 97.6390% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.1731% | 2,730 |
| Noncurrent loans to loans | 1.6342% | 2,127 |
| Net loans and leases to total assets | 64.2589% | 3,032 |
| Net loans and leases to deposits | 78.6973% | 2,708 |
| Net loans and leases to core deposits | 83.0950% | 2,842 |
| Total domestic deposits to total assets | 81.4642% | 4,821 |
| Equity capital to assets | 13.7893% | 1,054 |
| Core capital (leverage) ratio | 10.6864% | 2,738 |
| Tier 1 risk-based capital ratio | 12.3472% | 5,335 |
| Total risk-based capital ratio | 14.5727% | 4,642 |
| Memoranda: | ||
| Average total assets | $117,214,852,670 | 17 |
| Average earning assets | $101,673,323,670 | 19 |
| Average equity | $16,082,986,000 | 17 |
| Average total loans | $76,259,460,670 | 14 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5437% | 5,319 |
| Cost of funding earning assets | 0.2415% | 5,666 |
| Net interest margin | 3.3022% | 4,529 |
| Noninterest income to average assets | 1.5713% | 489 |
| Noninterest expense to average assets | 2.7963% | 3,580 |
| Loan and lease loss provision to assets | 0.0068% | 3,734 |
| Net operating income to assets | 1.1381% | 1,671 |
| Return on assets (ROA) | 1.1425% | 1,722 |
| Pretax return on assets | 1.6389% | 1,089 |
| Return on Equity (ROE) | 8.3477% | 2,761 |
| Retained earnings to average equity (ytd only) | 1.8443% | 4,860 |
| Net charge-offs to loans | 0.4324% | 844 |
| Credit loss provision to net charge-offs | 2.4381% | 2,669 |
| Earnings coverage of net charge-offs (x) | 5.8380% | 2,322 |
| Efficiency ratio | 62.1238% | 5,100 |
| Assets per employee ($millions) | 5.0789% | 2,150 |
| Cash dividends to net income (ytd only)* | 77.9061% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6572% | 2,483 |
| Loan loss allowance to noncurrent loans | 86.2705% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 1.3562% | 2,601 |
| Noncurrent loans to loans | 1.9210% | 1,965 |
| Net loans and leases to total assets | 63.9045% | 2,904 |
| Net loans and leases to deposits | 78.7305% | 2,455 |
| Net loans and leases to core deposits | 83.1842% | 2,618 |
| Total domestic deposits to total assets | 80.9793% | 5,241 |
| Equity capital to assets | 13.7297% | 1,024 |
| Core capital (leverage) ratio | 10.6768% | 2,729 |
| Tier 1 risk-based capital ratio | 12.4157% | 5,359 |
| Total risk-based capital ratio | 14.8766% | 4,545 |
| Memoranda: | ||
| Average total assets | $116,843,605,000 | 17 |
| Average earning assets | $101,357,480,500 | 18 |
| Average equity | $15,991,730,000 | 17 |
| Average total loans | $75,875,615,000 | 14 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5825% | 5,452 |
| Cost of funding earning assets | 0.2742% | 5,797 |
| Net interest margin | 3.3083% | 4,630 |
| Noninterest income to average assets | 1.6195% | 546 |
| Noninterest expense to average assets | 2.7983% | 3,731 |
| Loan and lease loss provision to assets | 0.1170% | 2,858 |
| Net operating income to assets | 1.0894% | 1,965 |
| Return on assets (ROA) | 1.1008% | 1,997 |
| Pretax return on assets | 1.5747% | 1,233 |
| Return on Equity (ROE) | 8.0667% | 3,004 |
| Retained earnings to average equity (ytd only) | -1.3741% | 6,111 |
| Net charge-offs to loans | 0.9457% | 636 |
| Credit loss provision to net charge-offs | 19.2760% | 4,458 |
| Earnings coverage of net charge-offs (x) | 2.7583% | 4,082 |
| Efficiency ratio | 61.6166% | 5,272 |
| Assets per employee ($millions) | 5.2300% | 1,927 |
| Cash dividends to net income (ytd only)* | 117.0338% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7719% | 2,158 |
| Loan loss allowance to noncurrent loans | 87.8651% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 1.4234% | 2,614 |
| Noncurrent loans to loans | 2.0166% | 1,973 |
| Net loans and leases to total assets | 63.7441% | 3,083 |
| Net loans and leases to deposits | 79.0910% | 2,576 |
| Net loans and leases to core deposits | 83.7088% | 2,706 |
| Total domestic deposits to total assets | 80.4087% | 5,341 |
| Equity capital to assets | 13.6430% | 1,016 |
| Core capital (leverage) ratio | 10.6683% | 2,706 |
| Tier 1 risk-based capital ratio | 12.4610% | 5,310 |
| Total risk-based capital ratio | 14.9357% | 4,476 |
| Memoranda: | ||
| Average total assets | $117,986,407,800 | 17 |
| Average earning assets | $101,727,984,600 | 16 |
| Average equity | $16,100,465,400 | 18 |
| Average total loans | $75,700,943,400 | 14 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5711% | 5,523 |
| Cost of funding earning assets | 0.2806% | 5,886 |
| Net interest margin | 3.2905% | 4,677 |
| Noninterest income to average assets | 1.5857% | 583 |
| Noninterest expense to average assets | 2.7160% | 3,964 |
| Loan and lease loss provision to assets | 0.0665% | 3,726 |
| Net operating income to assets | 1.1484% | 1,821 |
| Return on assets (ROA) | 1.1635% | 1,832 |
| Pretax return on assets | 1.6588% | 1,187 |
| Return on Equity (ROE) | 8.5256% | 2,872 |
| Retained earnings to average equity (ytd only) | -1.5062% | 6,195 |
| Net charge-offs to loans | 0.7702% | 770 |
| Credit loss provision to net charge-offs | 13.4899% | 4,175 |
| Earnings coverage of net charge-offs (x) | 3.4528% | 3,696 |
| Efficiency ratio | 60.5059% | 5,355 |
| Assets per employee ($millions) | 5.2418% | 1,901 |
| Cash dividends to net income (ytd only)* | 117.6665% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0117% | 1,692 |
| Loan loss allowance to noncurrent loans | 87.2831% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.6459% | 2,500 |
| Noncurrent loans to loans | 2.3048% | 1,904 |
| Net loans and leases to total assets | 64.6456% | 2,891 |
| Net loans and leases to deposits | 80.1047% | 2,397 |
| Net loans and leases to core deposits | 85.1170% | 2,528 |
| Total domestic deposits to total assets | 80.4939% | 5,360 |
| Equity capital to assets | 13.6574% | 1,062 |
| Core capital (leverage) ratio | 10.7211% | 2,767 |
| Tier 1 risk-based capital ratio | 12.4757% | 5,472 |
| Total risk-based capital ratio | 14.9496% | 4,585 |
| Memoranda: | ||
| Average total assets | $118,330,872,250 | 17 |
| Average earning assets | $101,837,108,250 | 16 |
| Average equity | $16,148,361,500 | 18 |
| Average total loans | $75,708,196,500 | 14 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5517% | 5,584 |
| Cost of funding earning assets | 0.2895% | 5,907 |
| Net interest margin | 3.2622% | 4,721 |
| Noninterest income to average assets | 1.5738% | 635 |
| Noninterest expense to average assets | 2.6606% | 4,181 |
| Loan and lease loss provision to assets | 0.0689% | 3,666 |
| Net operating income to assets | 1.1517% | 1,733 |
| Return on assets (ROA) | 1.1706% | 1,776 |
| Pretax return on assets | 1.6778% | 1,164 |
| Return on Equity (ROE) | 8.5799% | 2,806 |
| Retained earnings to average equity (ytd only) | -2.8067% | 6,282 |
| Net charge-offs to loans | 0.8591% | 724 |
| Credit loss provision to net charge-offs | 12.6557% | 3,862 |
| Earnings coverage of net charge-offs (x) | 3.1544% | 3,472 |
| Efficiency ratio | 59.7934% | 5,510 |
| Assets per employee ($millions) | 5.4043% | 1,689 |
| Cash dividends to net income (ytd only)* | 132.7126% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1570% | 1,517 |
| Loan loss allowance to noncurrent loans | 82.8749% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.7893% | 2,430 |
| Noncurrent loans to loans | 2.6027% | 1,766 |
| Net loans and leases to total assets | 62.9355% | 3,113 |
| Net loans and leases to deposits | 79.1827% | 2,437 |
| Net loans and leases to core deposits | 84.2201% | 2,526 |
| Total domestic deposits to total assets | 79.3176% | 5,751 |
| Equity capital to assets | 13.3484% | 1,204 |
| Core capital (leverage) ratio | 10.5895% | 2,781 |
| Tier 1 risk-based capital ratio | 12.6612% | 5,381 |
| Total risk-based capital ratio | 15.1767% | 4,437 |
| Memoranda: | ||
| Average total assets | $119,085,135,670 | 17 |
| Average earning assets | $102,325,092,000 | 16 |
| Average equity | $16,247,186,330 | 18 |
| Average total loans | $75,419,831,670 | 14 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5220% | 5,654 |
| Cost of funding earning assets | 0.3020% | 5,951 |
| Net interest margin | 3.2200% | 4,849 |
| Noninterest income to average assets | 1.5447% | 646 |
| Noninterest expense to average assets | 2.6690% | 4,188 |
| Loan and lease loss provision to assets | 0.0334% | 4,028 |
| Net operating income to assets | 1.1825% | 1,577 |
| Return on assets (ROA) | 1.2127% | 1,603 |
| Pretax return on assets | 1.6674% | 1,158 |
| Return on Equity (ROE) | 8.7950% | 2,584 |
| Retained earnings to average equity (ytd only) | 1.5231% | 5,225 |
| Net charge-offs to loans | 0.9576% | 642 |
| Credit loss provision to net charge-offs | 5.5538% | 3,191 |
| Earnings coverage of net charge-offs (x) | 2.7535% | 2,951 |
| Efficiency ratio | 60.6892% | 5,490 |
| Assets per employee ($millions) | 5.5070% | 1,663 |
| Cash dividends to net income (ytd only)* | 82.6822% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3305% | 1,362 |
| Loan loss allowance to noncurrent loans | 80.5116% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.9412% | 2,420 |
| Noncurrent loans to loans | 2.8947% | 1,743 |
| Net loans and leases to total assets | 61.6185% | 3,140 |
| Net loans and leases to deposits | 76.7616% | 2,518 |
| Net loans and leases to core deposits | 81.7224% | 2,610 |
| Total domestic deposits to total assets | 79.9913% | 5,753 |
| Equity capital to assets | 13.8683% | 1,068 |
| Core capital (leverage) ratio | 10.8596% | 2,388 |
| Tier 1 risk-based capital ratio | 13.3086% | 5,002 |
| Total risk-based capital ratio | 16.0879% | 3,910 |
| Memoranda: | ||
| Average total assets | $119,678,031,500 | 15 |
| Average earning assets | $103,374,581,000 | 16 |
| Average equity | $16,501,919,500 | 18 |
| Average total loans | $75,211,598,500 | 14 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7293% | 5,996 |
| Cost of funding earning assets | 0.4136% | 5,827 |
| Net interest margin | 3.3156% | 5,199 |
| Noninterest income to average assets | 1.6298% | 599 |
| Noninterest expense to average assets | 2.7324% | 4,282 |
| Loan and lease loss provision to assets | 0.1744% | 3,436 |
| Net operating income to assets | 1.0858% | 1,988 |
| Return on assets (ROA) | 1.0948% | 2,138 |
| Pretax return on assets | 1.5834% | 1,431 |
| Return on Equity (ROE) | 8.1996% | 3,003 |
| Retained earnings to average equity (ytd only) | 2.3738% | 4,561 |
| Net charge-offs to loans | 1.3468% | 708 |
| Credit loss provision to net charge-offs | 20.4880% | 5,282 |
| Earnings coverage of net charge-offs (x) | 2.0408% | 4,391 |
| Efficiency ratio | 59.1699% | 5,674 |
| Assets per employee ($millions) | 5.5805% | 1,610 |
| Cash dividends to net income (ytd only)* | 71.0502% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5452% | 1,083 |
| Loan loss allowance to noncurrent loans | 83.9115% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 2.0234% | 2,422 |
| Noncurrent loans to loans | 3.0332% | 1,716 |
| Net loans and leases to total assets | 61.0107% | 3,418 |
| Net loans and leases to deposits | 76.0648% | 2,795 |
| Net loans and leases to core deposits | 80.2021% | 2,976 |
| Total domestic deposits to total assets | 79.9487% | 5,683 |
| Equity capital to assets | 13.7099% | 1,150 |
| Core capital (leverage) ratio | 10.6462% | 2,603 |
| Tier 1 risk-based capital ratio | 13.2543% | 4,930 |
| Total risk-based capital ratio | 16.0378% | 3,795 |
| Memoranda: | ||
| Average total assets | $122,132,750,600 | 15 |
| Average earning assets | $104,604,946,400 | 15 |
| Average equity | $16,306,721,400 | 18 |
| Average total loans | $77,194,932,200 | 14 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7564% | 6,114 |
| Cost of funding earning assets | 0.4357% | 5,896 |
| Net interest margin | 3.3207% | 5,307 |
| Noninterest income to average assets | 1.6130% | 571 |
| Noninterest expense to average assets | 2.7079% | 4,334 |
| Loan and lease loss provision to assets | 0.1915% | 3,194 |
| Net operating income to assets | 1.0977% | 2,097 |
| Return on assets (ROA) | 1.1042% | 2,264 |
| Pretax return on assets | 1.5713% | 1,664 |
| Return on Equity (ROE) | 8.3247% | 3,121 |
| Retained earnings to average equity (ytd only) | 2.9935% | 4,756 |
| Net charge-offs to loans | 1.4754% | 589 |
| Credit loss provision to net charge-offs | 20.4837% | 4,946 |
| Earnings coverage of net charge-offs (x) | 1.8672% | 4,324 |
| Efficiency ratio | 58.8102% | 5,685 |
| Assets per employee ($millions) | 5.6073% | 1,535 |
| Cash dividends to net income (ytd only)* | 64.0412% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6946% | 987 |
| Loan loss allowance to noncurrent loans | 83.2607% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 2.2153% | 2,417 |
| Noncurrent loans to loans | 3.2364% | 1,703 |
| Net loans and leases to total assets | 61.6287% | 3,456 |
| Net loans and leases to deposits | 77.8910% | 2,671 |
| Net loans and leases to core deposits | 82.4953% | 2,894 |
| Total domestic deposits to total assets | 78.8479% | 5,906 |
| Equity capital to assets | 13.7618% | 1,248 |
| Core capital (leverage) ratio | 10.5736% | 2,830 |
| Tier 1 risk-based capital ratio | 13.3509% | 4,987 |
| Total risk-based capital ratio | 16.2143% | 3,822 |
| Memoranda: | ||
| Average total assets | $122,560,741,500 | 15 |
| Average earning assets | $104,825,706,000 | 15 |
| Average equity | $16,256,016,750 | 18 |
| Average total loans | $77,646,575,000 | 14 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7847% | 6,179 |
| Cost of funding earning assets | 0.4541% | 5,943 |
| Net interest margin | 3.3306% | 5,348 |
| Noninterest income to average assets | 1.5854% | 590 |
| Noninterest expense to average assets | 2.7025% | 4,409 |
| Loan and lease loss provision to assets | 0.2323% | 2,751 |
| Net operating income to assets | 1.0760% | 2,144 |
| Return on assets (ROA) | 1.0728% | 2,379 |
| Pretax return on assets | 1.5027% | 1,838 |
| Return on Equity (ROE) | 8.1890% | 3,169 |
| Retained earnings to average equity (ytd only) | 0.1303% | 5,996 |
| Net charge-offs to loans | 1.5316% | 638 |
| Credit loss provision to net charge-offs | 23.9343% | 4,547 |
| Earnings coverage of net charge-offs (x) | 1.7808% | 4,090 |
| Efficiency ratio | 58.9611% | 5,735 |
| Assets per employee ($millions) | 5.6150% | 1,507 |
| Cash dividends to net income (ytd only)* | 98.4084% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9601% | 812 |
| Loan loss allowance to noncurrent loans | 89.4119% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 2.2917% | 2,446 |
| Noncurrent loans to loans | 3.3106% | 1,760 |
| Net loans and leases to total assets | 61.9002% | 3,462 |
| Net loans and leases to deposits | 78.3781% | 2,618 |
| Net loans and leases to core deposits | 82.9825% | 2,830 |
| Total domestic deposits to total assets | 78.7071% | 6,018 |
| Equity capital to assets | 13.2922% | 1,398 |
| Core capital (leverage) ratio | 10.1436% | 3,209 |
| Tier 1 risk-based capital ratio | 12.9090% | 5,247 |
| Total risk-based capital ratio | 15.7763% | 4,051 |
| Memoranda: | ||
| Average total assets | $123,136,912,670 | 15 |
| Average earning assets | $105,188,424,330 | 15 |
| Average equity | $16,131,794,670 | 18 |
| Average total loans | $78,018,930,330 | 14 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7583% | 6,326 |
| Cost of funding earning assets | 0.4755% | 5,977 |
| Net interest margin | 3.2828% | 5,522 |
| Noninterest income to average assets | 1.5598% | 596 |
| Noninterest expense to average assets | 2.7475% | 4,251 |
| Loan and lease loss provision to assets | 0.3773% | 1,673 |
| Net operating income to assets | 0.8997% | 2,914 |
| Return on assets (ROA) | 0.8810% | 3,233 |
| Pretax return on assets | 1.2327% | 2,795 |
| Return on Equity (ROE) | 6.7734% | 3,904 |
| Retained earnings to average equity (ytd only) | 6.7734% | 2,538 |
| Net charge-offs to loans | 1.6957% | 571 |
| Credit loss provision to net charge-offs | 35.2347% | 3,530 |
| Earnings coverage of net charge-offs (x) | 1.5110% | 3,571 |
| Efficiency ratio | 60.8582% | 5,480 |
| Assets per employee ($millions) | 5.7239% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2533% | 646 |
| Loan loss allowance to noncurrent loans | 88.5496% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 2.4869% | 2,378 |
| Noncurrent loans to loans | 3.6740% | 1,688 |
| Net loans and leases to total assets | 60.3357% | 3,587 |
| Net loans and leases to deposits | 74.7973% | 2,999 |
| Net loans and leases to core deposits | 78.4980% | 3,261 |
| Total domestic deposits to total assets | 80.3741% | 5,759 |
| Equity capital to assets | 13.0500% | 1,417 |
| Core capital (leverage) ratio | 10.1711% | 3,148 |
| Tier 1 risk-based capital ratio | 13.0965% | 5,134 |
| Total risk-based capital ratio | 16.1606% | 3,787 |
| Memoranda: | ||
| Average total assets | $124,040,595,000 | 15 |
| Average earning assets | $106,013,419,500 | 15 |
| Average equity | $16,133,998,000 | 18 |
| Average total loans | $78,331,292,500 | 13 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9510% | 6,547 |
| Cost of funding earning assets | 0.6262% | 5,949 |
| Net interest margin | 3.3247% | 5,740 |
| Noninterest income to average assets | 1.3978% | 661 |
| Noninterest expense to average assets | 2.7536% | 4,539 |
| Loan and lease loss provision to assets | 1.2115% | 726 |
| Net operating income to assets | 0.2004% | 5,591 |
| Return on assets (ROA) | 0.2510% | 5,566 |
| Pretax return on assets | 0.3359% | 5,458 |
| Return on Equity (ROE) | 2.0249% | 5,651 |
| Retained earnings to average equity (ytd only) | 2.0249% | 4,769 |
| Net charge-offs to loans | 2.4070% | 496 |
| Credit loss provision to net charge-offs | 77.6654% | 4,570 |
| Earnings coverage of net charge-offs (x) | 0.9461% | 5,094 |
| Efficiency ratio | 58.2996% | 6,011 |
| Assets per employee ($millions) | 5.6443% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4802% | 542 |
| Loan loss allowance to noncurrent loans | 84.6309% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 2.8657% | 2,105 |
| Noncurrent loans to loans | 4.1122% | 1,505 |
| Net loans and leases to total assets | 61.7180% | 3,658 |
| Net loans and leases to deposits | 77.4562% | 2,927 |
| Net loans and leases to core deposits | 81.6127% | 3,231 |
| Total domestic deposits to total assets | 79.3054% | 5,915 |
| Equity capital to assets | 12.9636% | 1,507 |
| Core capital (leverage) ratio | 9.7616% | 3,659 |
| Tier 1 risk-based capital ratio | 12.8528% | 5,193 |
| Total risk-based capital ratio | 15.9761% | 3,792 |
| Memoranda: | ||
| Average total assets | $126,290,495,200 | 15 |
| Average earning assets | $107,556,988,800 | 14 |
| Average equity | $15,653,844,200 | 18 |
| Average total loans | $81,845,746,800 | 11 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9660% | 6,640 |
| Cost of funding earning assets | 0.6587% | 5,991 |
| Net interest margin | 3.3072% | 5,836 |
| Noninterest income to average assets | 1.3808% | 685 |
| Noninterest expense to average assets | 2.5469% | 5,295 |
| Loan and lease loss provision to assets | 1.2963% | 580 |
| Net operating income to assets | 0.3097% | 5,365 |
| Return on assets (ROA) | 0.3870% | 5,238 |
| Pretax return on assets | 0.4468% | 5,322 |
| Return on Equity (ROE) | 3.1577% | 5,357 |
| Retained earnings to average equity (ytd only) | 3.1577% | 4,451 |
| Net charge-offs to loans | 2.4872% | 440 |
| Credit loss provision to net charge-offs | 80.1639% | 4,137 |
| Earnings coverage of net charge-offs (x) | 1.0212% | 4,870 |
| Efficiency ratio | 58.6409% | 5,909 |
| Assets per employee ($millions) | 5.7453% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6800% | 496 |
| Loan loss allowance to noncurrent loans | 83.7264% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 3.0863% | 2,074 |
| Noncurrent loans to loans | 4.3952% | 1,479 |
| Net loans and leases to total assets | 61.8171% | 3,772 |
| Net loans and leases to deposits | 78.6072% | 2,869 |
| Net loans and leases to core deposits | 82.9424% | 3,198 |
| Total domestic deposits to total assets | 78.2370% | 6,144 |
| Equity capital to assets | 12.7877% | 1,727 |
| Core capital (leverage) ratio | 9.4037% | 4,301 |
| Tier 1 risk-based capital ratio | 12.3602% | 5,613 |
| Total risk-based capital ratio | 15.4610% | 4,162 |
| Memoranda: | ||
| Average total assets | $127,021,068,250 | 15 |
| Average earning assets | $108,214,489,500 | 14 |
| Average equity | $15,569,068,250 | 19 |
| Average total loans | $82,585,723,500 | 11 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9936% | 6,675 |
| Cost of funding earning assets | 0.6868% | 6,032 |
| Net interest margin | 3.3068% | 5,835 |
| Noninterest income to average assets | 1.3360% | 707 |
| Noninterest expense to average assets | 2.5860% | 5,237 |
| Loan and lease loss provision to assets | 1.3800% | 531 |
| Net operating income to assets | 0.1706% | 5,831 |
| Return on assets (ROA) | 0.3029% | 5,499 |
| Pretax return on assets | 0.3220% | 5,620 |
| Return on Equity (ROE) | 2.5071% | 5,605 |
| Retained earnings to average equity (ytd only) | 2.5071% | 4,694 |
| Net charge-offs to loans | 2.4723% | 484 |
| Credit loss provision to net charge-offs | 85.4916% | 3,602 |
| Earnings coverage of net charge-offs (x) | 0.9672% | 4,570 |
| Efficiency ratio | 60.4207% | 5,814 |
| Assets per employee ($millions) | 5.7306% | 1,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7868% | 473 |
| Loan loss allowance to noncurrent loans | 84.0303% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 3.2697% | 2,045 |
| Noncurrent loans to loans | 4.5065% | 1,469 |
| Net loans and leases to total assets | 62.5557% | 3,778 |
| Net loans and leases to deposits | 79.9804% | 2,804 |
| Net loans and leases to core deposits | 84.5852% | 3,124 |
| Total domestic deposits to total assets | 77.6495% | 6,350 |
| Equity capital to assets | 12.3130% | 1,895 |
| Core capital (leverage) ratio | 9.1981% | 4,406 |
| Tier 1 risk-based capital ratio | 12.0635% | 5,733 |
| Total risk-based capital ratio | 15.1266% | 4,220 |
| Memoranda: | ||
| Average total assets | $127,532,099,670 | 16 |
| Average earning assets | $108,426,494,000 | 15 |
| Average equity | $15,409,740,000 | 20 |
| Average total loans | $83,268,723,000 | 12 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0094% | 6,684 |
| Cost of funding earning assets | 0.7094% | 6,086 |
| Net interest margin | 3.3000% | 5,776 |
| Noninterest income to average assets | 1.3896% | 672 |
| Noninterest expense to average assets | 2.6231% | 5,141 |
| Loan and lease loss provision to assets | 1.5070% | 425 |
| Net operating income to assets | 0.0674% | 6,185 |
| Return on assets (ROA) | 0.2806% | 5,560 |
| Pretax return on assets | 0.2767% | 5,720 |
| Return on Equity (ROE) | 2.3443% | 5,664 |
| Retained earnings to average equity (ytd only) | 2.3443% | 4,745 |
| Net charge-offs to loans | 2.2989% | 521 |
| Credit loss provision to net charge-offs | 100.1889% | 2,642 |
| Earnings coverage of net charge-offs (x) | 1.0441% | 3,881 |
| Efficiency ratio | 60.6161% | 5,889 |
| Assets per employee ($millions) | 5.6726% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8391% | 472 |
| Loan loss allowance to noncurrent loans | 78.4535% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 3.5411% | 1,920 |
| Noncurrent loans to loans | 4.8935% | 1,386 |
| Net loans and leases to total assets | 62.5934% | 3,736 |
| Net loans and leases to deposits | 80.3383% | 2,652 |
| Net loans and leases to core deposits | 85.0624% | 3,023 |
| Total domestic deposits to total assets | 77.2756% | 6,489 |
| Equity capital to assets | 11.9928% | 1,917 |
| Core capital (leverage) ratio | 9.0205% | 4,581 |
| Tier 1 risk-based capital ratio | 11.8867% | 5,792 |
| Total risk-based capital ratio | 15.1317% | 4,127 |
| Memoranda: | ||
| Average total assets | $127,938,281,500 | 15 |
| Average earning assets | $108,707,913,000 | 15 |
| Average equity | $15,313,092,000 | 20 |
| Average total loans | $83,707,872,000 | 12 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1029% | 7,045 |
| Cost of funding earning assets | 0.9577% | 5,896 |
| Net interest margin | 3.1452% | 6,400 |
| Noninterest income to average assets | 1.3682% | 780 |
| Noninterest expense to average assets | 2.5816% | 5,494 |
| Loan and lease loss provision to assets | 2.1701% | 578 |
| Net operating income to assets | -0.3669% | 6,280 |
| Return on assets (ROA) | -0.1908% | 6,156 |
| Pretax return on assets | -0.4077% | 6,248 |
| Return on Equity (ROE) | -1.5997% | 6,131 |
| Retained earnings to average equity (ytd only) | -1.5997% | 5,905 |
| Net charge-offs to loans | 3.1786% | 502 |
| Credit loss provision to net charge-offs | 102.5496% | 4,410 |
| Earnings coverage of net charge-offs (x) | 0.6989% | 5,409 |
| Efficiency ratio | 61.4808% | 5,814 |
| Assets per employee ($millions) | 5.6036% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7732% | 481 |
| Loan loss allowance to noncurrent loans | 77.4376% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 3.5561% | 1,940 |
| Noncurrent loans to loans | 4.8726% | 1,411 |
| Net loans and leases to total assets | 63.2806% | 4,013 |
| Net loans and leases to deposits | 82.2961% | 2,748 |
| Net loans and leases to core deposits | 90.6892% | 2,666 |
| Total domestic deposits to total assets | 73.3269% | 6,968 |
| Equity capital to assets | 11.9456% | 1,948 |
| Core capital (leverage) ratio | 8.8503% | 4,777 |
| Tier 1 risk-based capital ratio | 11.6780% | 5,746 |
| Total risk-based capital ratio | 14.9322% | 4,049 |
| Memoranda: | ||
| Average total assets | $131,928,898,800 | 15 |
| Average earning assets | $112,940,898,200 | 15 |
| Average equity | $15,733,044,400 | 19 |
| Average total loans | $87,830,758,600 | 12 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1108% | 7,191 |
| Cost of funding earning assets | 1.0142% | 5,875 |
| Net interest margin | 3.0966% | 6,622 |
| Noninterest income to average assets | 1.3107% | 801 |
| Noninterest expense to average assets | 2.5464% | 5,535 |
| Loan and lease loss provision to assets | 2.1894% | 513 |
| Net operating income to assets | -0.3832% | 6,505 |
| Return on assets (ROA) | -0.3618% | 6,525 |
| Pretax return on assets | -0.7245% | 6,694 |
| Return on Equity (ROE) | -3.0353% | 6,493 |
| Retained earnings to average equity (ytd only) | -3.0353% | 6,356 |
| Net charge-offs to loans | 3.1719% | 465 |
| Credit loss provision to net charge-offs | 103.3761% | 4,151 |
| Earnings coverage of net charge-offs (x) | 0.6713% | 5,374 |
| Efficiency ratio | 62.0124% | 5,618 |
| Assets per employee ($millions) | 5.6146% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7010% | 470 |
| Loan loss allowance to noncurrent loans | 72.0896% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 3.7824% | 1,879 |
| Noncurrent loans to loans | 5.1338% | 1,335 |
| Net loans and leases to total assets | 64.2183% | 4,082 |
| Net loans and leases to deposits | 83.0484% | 2,901 |
| Net loans and leases to core deposits | 92.4397% | 2,737 |
| Total domestic deposits to total assets | 73.3010% | 7,003 |
| Equity capital to assets | 12.1617% | 2,053 |
| Core capital (leverage) ratio | 8.7910% | 5,028 |
| Tier 1 risk-based capital ratio | 11.3880% | 6,032 |
| Total risk-based capital ratio | 14.6038% | 4,274 |
| Memoranda: | ||
| Average total assets | $132,817,941,250 | 15 |
| Average earning assets | $113,980,255,750 | 15 |
| Average equity | $15,832,595,250 | 19 |
| Average total loans | $88,683,331,750 | 12 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1103% | 7,275 |
| Cost of funding earning assets | 1.0806% | 5,784 |
| Net interest margin | 3.0297% | 6,771 |
| Noninterest income to average assets | 1.3403% | 701 |
| Noninterest expense to average assets | 2.5795% | 5,407 |
| Loan and lease loss provision to assets | 2.1198% | 576 |
| Net operating income to assets | -0.3820% | 6,547 |
| Return on assets (ROA) | -0.3481% | 6,561 |
| Pretax return on assets | -0.6897% | 6,717 |
| Return on Equity (ROE) | -2.9396% | 6,512 |
| Retained earnings to average equity (ytd only) | -2.9396% | 6,288 |
| Net charge-offs to loans | 3.0156% | 520 |
| Credit loss provision to net charge-offs | 105.2365% | 3,870 |
| Earnings coverage of net charge-offs (x) | 0.6774% | 5,068 |
| Efficiency ratio | 63.2224% | 5,481 |
| Assets per employee ($millions) | 5.7210% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6540% | 491 |
| Loan loss allowance to noncurrent loans | 72.5197% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 3.7686% | 1,854 |
| Noncurrent loans to loans | 5.0386% | 1,366 |
| Net loans and leases to total assets | 64.0995% | 4,245 |
| Net loans and leases to deposits | 83.1567% | 3,042 |
| Net loans and leases to core deposits | 92.4834% | 2,920 |
| Total domestic deposits to total assets | 73.1197% | 7,084 |
| Equity capital to assets | 12.1544% | 2,011 |
| Core capital (leverage) ratio | 8.5801% | 5,274 |
| Tier 1 risk-based capital ratio | 11.2739% | 5,970 |
| Total risk-based capital ratio | 14.4584% | 4,237 |
| Memoranda: | ||
| Average total assets | $134,068,033,670 | 14 |
| Average earning assets | $115,214,275,670 | 15 |
| Average equity | $15,877,873,330 | 18 |
| Average total loans | $89,554,276,670 | 12 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1211% | 7,358 |
| Cost of funding earning assets | 1.1788% | 5,517 |
| Net interest margin | 2.9423% | 6,948 |
| Noninterest income to average assets | 1.2712% | 748 |
| Noninterest expense to average assets | 2.6591% | 5,105 |
| Loan and lease loss provision to assets | 2.2714% | 471 |
| Net operating income to assets | -0.6099% | 6,904 |
| Return on assets (ROA) | -0.5373% | 6,888 |
| Pretax return on assets | -0.9916% | 7,043 |
| Return on Equity (ROE) | -4.5951% | 6,861 |
| Retained earnings to average equity (ytd only) | -4.5951% | 6,555 |
| Net charge-offs to loans | 3.0841% | 493 |
| Credit loss provision to net charge-offs | 110.0464% | 3,129 |
| Earnings coverage of net charge-offs (x) | 0.5544% | 4,537 |
| Efficiency ratio | 67.6480% | 4,791 |
| Assets per employee ($millions) | 5.7235% | 1,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5670% | 519 |
| Loan loss allowance to noncurrent loans | 67.6401% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 3.9902% | 1,721 |
| Noncurrent loans to loans | 5.2736% | 1,344 |
| Net loans and leases to total assets | 64.6398% | 4,186 |
| Net loans and leases to deposits | 84.0604% | 2,931 |
| Net loans and leases to core deposits | 92.9021% | 2,991 |
| Total domestic deposits to total assets | 73.3839% | 7,124 |
| Equity capital to assets | 11.8790% | 2,119 |
| Core capital (leverage) ratio | 8.0959% | 6,083 |
| Tier 1 risk-based capital ratio | 10.6174% | 6,524 |
| Total risk-based capital ratio | 13.9403% | 4,533 |
| Memoranda: | ||
| Average total assets | $135,596,627,500 | 14 |
| Average earning assets | $116,697,871,000 | 14 |
| Average equity | $15,855,044,000 | 18 |
| Average total loans | $90,750,292,000 | 12 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4247% | 7,460 |
| Cost of funding earning assets | 1.5378% | 5,348 |
| Net interest margin | 2.8870% | 6,888 |
| Noninterest income to average assets | 1.7112% | 491 |
| Noninterest expense to average assets | 2.4658% | 6,250 |
| Loan and lease loss provision to assets | 2.5730% | 762 |
| Net operating income to assets | -0.6971% | 6,364 |
| Return on assets (ROA) | -0.7085% | 6,371 |
| Pretax return on assets | -0.8396% | 6,298 |
| Return on Equity (ROE) | -6.5123% | 6,349 |
| Retained earnings to average equity (ytd only) | -6.5123% | 6,201 |
| Net charge-offs to loans | 2.3420% | 987 |
| Credit loss provision to net charge-offs | 157.1726% | 2,864 |
| Earnings coverage of net charge-offs (x) | 1.0652% | 5,051 |
| Efficiency ratio | 56.4115% | 6,962 |
| Assets per employee ($millions) | 5.8564% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3768% | 584 |
| Loan loss allowance to noncurrent loans | 68.7254% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 3.7260% | 1,790 |
| Noncurrent loans to loans | 4.9134% | 1,386 |
| Net loans and leases to total assets | 64.5696% | 4,477 |
| Net loans and leases to deposits | 86.5109% | 2,819 |
| Net loans and leases to core deposits | 104.3615% | 3,527 |
| Total domestic deposits to total assets | 71.0079% | 7,343 |
| Equity capital to assets | 11.5131% | 2,310 |
| Core capital (leverage) ratio | 8.0518% | 6,082 |
| Tier 1 risk-based capital ratio | 10.3622% | 6,529 |
| Total risk-based capital ratio | 13.6512% | 4,562 |
| Memoranda: | ||
| Average total assets | $137,623,025,400 | 13 |
| Average earning assets | $119,102,692,600 | 13 |
| Average equity | $14,972,039,000 | 17 |
| Average total loans | $96,195,599,200 | 11 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4807% | 7,527 |
| Cost of funding earning assets | 1.6039% | 5,382 |
| Net interest margin | 2.8768% | 6,908 |
| Noninterest income to average assets | 1.8430% | 436 |
| Noninterest expense to average assets | 2.4681% | 6,186 |
| Loan and lease loss provision to assets | 2.2899% | 744 |
| Net operating income to assets | -0.5345% | 6,466 |
| Return on assets (ROA) | -0.4527% | 6,381 |
| Pretax return on assets | -0.3451% | 6,143 |
| Return on Equity (ROE) | -4.2229% | 6,361 |
| Retained earnings to average equity (ytd only) | -4.2229% | 6,140 |
| Net charge-offs to loans | 2.1419% | 901 |
| Credit loss provision to net charge-offs | 151.2822% | 3,171 |
| Earnings coverage of net charge-offs (x) | 1.2308% | 4,846 |
| Efficiency ratio | 54.8540% | 7,136 |
| Assets per employee ($millions) | 5.6380% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7865% | 802 |
| Loan loss allowance to noncurrent loans | 61.6148% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 3.5080% | 1,892 |
| Noncurrent loans to loans | 4.5224% | 1,541 |
| Net loans and leases to total assets | 67.5870% | 4,052 |
| Net loans and leases to deposits | 93.0220% | 2,057 |
| Net loans and leases to core deposits | 113.6209% | 2,867 |
| Total domestic deposits to total assets | 69.3097% | 7,471 |
| Equity capital to assets | 12.0856% | 2,199 |
| Core capital (leverage) ratio | 8.7666% | 5,025 |
| Tier 1 risk-based capital ratio | 10.8854% | 6,070 |
| Total risk-based capital ratio | 14.0986% | 4,234 |
| Memoranda: | ||
| Average total assets | $137,527,091,000 | 16 |
| Average earning assets | $118,950,439,750 | 13 |
| Average equity | $14,742,841,000 | 16 |
| Average total loans | $97,188,341,000 | 10 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5214% | 7,608 |
| Cost of funding earning assets | 1.6716% | 5,413 |
| Net interest margin | 2.8498% | 6,914 |
| Noninterest income to average assets | 2.1488% | 328 |
| Noninterest expense to average assets | 2.3963% | 6,469 |
| Loan and lease loss provision to assets | 1.9353% | 845 |
| Net operating income to assets | -0.2221% | 6,222 |
| Return on assets (ROA) | -0.1497% | 6,127 |
| Pretax return on assets | 0.4045% | 4,920 |
| Return on Equity (ROE) | -1.4568% | 6,141 |
| Retained earnings to average equity (ytd only) | -1.4568% | 5,601 |
| Net charge-offs to loans | 1.7947% | 1,050 |
| Credit loss provision to net charge-offs | 151.7859% | 3,029 |
| Earnings coverage of net charge-offs (x) | 1.7368% | 4,250 |
| Efficiency ratio | 49.9519% | 7,673 |
| Assets per employee ($millions) | 5.4572% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3266% | 1,070 |
| Loan loss allowance to noncurrent loans | 63.1345% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 2.9868% | 2,127 |
| Noncurrent loans to loans | 3.6851% | 1,888 |
| Net loans and leases to total assets | 70.7481% | 3,523 |
| Net loans and leases to deposits | 97.7721% | 1,557 |
| Net loans and leases to core deposits | 119.2618% | 2,432 |
| Total domestic deposits to total assets | 69.1882% | 7,536 |
| Equity capital to assets | 10.3894% | 3,528 |
| Core capital (leverage) ratio | 6.8604% | 7,626 |
| Tier 1 risk-based capital ratio | 8.6382% | 7,826 |
| Total risk-based capital ratio | 11.7874% | 6,296 |
| Memoranda: | ||
| Average total assets | $138,171,308,000 | 16 |
| Average earning assets | $119,364,746,000 | 13 |
| Average equity | $14,194,642,670 | 16 |
| Average total loans | $98,160,793,670 | 10 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5231% | 7,695 |
| Cost of funding earning assets | 1.7302% | 5,472 |
| Net interest margin | 2.7929% | 7,006 |
| Noninterest income to average assets | 2.1976% | 306 |
| Noninterest expense to average assets | 2.2490% | 6,695 |
| Loan and lease loss provision to assets | 1.2183% | 1,062 |
| Net operating income to assets | 0.2614% | 5,432 |
| Return on assets (ROA) | 0.3258% | 5,366 |
| Pretax return on assets | 1.2594% | 2,415 |
| Return on Equity (ROE) | 3.1884% | 5,283 |
| Retained earnings to average equity (ytd only) | 3.1884% | 4,100 |
| Net charge-offs to loans | 1.5890% | 913 |
| Credit loss provision to net charge-offs | 108.9579% | 3,531 |
| Earnings coverage of net charge-offs (x) | 2.1094% | 3,670 |
| Efficiency ratio | 46.7789% | 7,807 |
| Assets per employee ($millions) | 5.3666% | 1,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9058% | 1,608 |
| Loan loss allowance to noncurrent loans | 65.9418% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 2.2679% | 2,528 |
| Noncurrent loans to loans | 2.8901% | 2,260 |
| Net loans and leases to total assets | 69.9233% | 3,687 |
| Net loans and leases to deposits | 97.6282% | 1,713 |
| Net loans and leases to core deposits | 121.4993% | 2,293 |
| Total domestic deposits to total assets | 67.3266% | 7,649 |
| Equity capital to assets | 10.4537% | 3,506 |
| Core capital (leverage) ratio | 7.2121% | 7,467 |
| Tier 1 risk-based capital ratio | 8.6966% | 7,906 |
| Total risk-based capital ratio | 11.8840% | 6,176 |
| Memoranda: | ||
| Average total assets | $139,541,809,500 | 16 |
| Average earning assets | $120,413,197,000 | 13 |
| Average equity | $14,256,761,000 | 15 |
| Average total loans | $98,192,842,500 | 10 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5858% | 7,117 |
| Cost of funding earning assets | 2.1386% | 5,883 |
| Net interest margin | 3.4471% | 5,474 |
| Noninterest income to average assets | 1.2076% | 1,020 |
| Noninterest expense to average assets | 6.7960% | 300 |
| Loan and lease loss provision to assets | 1.4739% | 921 |
| Net operating income to assets | -4.0092% | 7,990 |
| Return on assets (ROA) | -3.9551% | 7,968 |
| Pretax return on assets | -4.1495% | 7,917 |
| Return on Equity (ROE) | -28.3131% | 7,933 |
| Retained earnings to average equity (ytd only) | -32.0318% | 7,946 |
| Net charge-offs to loans | 1.5793% | 725 |
| Credit loss provision to net charge-offs | 132.5306% | 4,018 |
| Earnings coverage of net charge-offs (x) | -2.4575% | 6,735 |
| Efficiency ratio | 58.9694% | 6,529 |
| Assets per employee ($millions) | 5.4175% | 1,524 |
| Cash dividends to net income (ytd only)* | -13.1344% | 7,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8496% | 1,531 |
| Loan loss allowance to noncurrent loans | 89.7422% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.5965% | 3,050 |
| Noncurrent loans to loans | 2.0611% | 2,679 |
| Net loans and leases to total assets | 68.2018% | 4,426 |
| Net loans and leases to deposits | 101.0193% | 1,702 |
| Net loans and leases to core deposits | 126.6567% | 2,117 |
| Total domestic deposits to total assets | 62.7960% | 7,846 |
| Equity capital to assets | 9.9884% | 4,050 |
| Core capital (leverage) ratio | 6.9099% | 7,754 |
| Tier 1 risk-based capital ratio | 8.4117% | 8,010 |
| Total risk-based capital ratio | 11.5471% | 6,297 |
| Memoranda: | ||
| Average total assets | $139,561,909,600 | 14 |
| Average earning assets | $115,604,626,600 | 14 |
| Average equity | $19,495,782,800 | 11 |
| Average total loans | $98,279,971,400 | 10 |