Home > Sallie Mae Bank > Performance and Condition Ratios
Sallie Mae Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7338% | 77 |
| Cost of funding earning assets | 3.7340% | 52 |
| Net interest margin | 5.9998% | 109 |
| Noninterest income to average assets | 0.9200% | 737 |
| Noninterest expense to average assets | 1.9538% | 3,725 |
| Loan and lease loss provision to assets | 1.2000% | 53 |
| Net operating income to assets | 2.4761% | 245 |
| Return on assets (ROA) | 2.4761% | 239 |
| Pretax return on assets | 3.3370% | 161 |
| Return on Equity (ROE) | 29.1900% | 198 |
| Retained earnings to average equity (ytd only) | 6.6868% | 1,994 |
| Net charge-offs to loans | 1.7299% | 50 |
| Credit loss provision to net charge-offs | 95.3825% | 1,896 |
| Earnings coverage of net charge-offs (x) | 3.4877% | 2,639 |
| Efficiency ratio | 30.1059% | 4,492 |
| Assets per employee ($millions) | 16.8547% | 154 |
| Cash dividends to net income (ytd only)* | 77.0917% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1787% | 26 |
| Loan loss allowance to noncurrent loans | 651.5513% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.7056% | 738 |
| Noncurrent loans to loans | 0.9483% | 781 |
| Net loans and leases to total assets | 69.8100% | 1,832 |
| Net loans and leases to deposits | 92.9458% | 1,017 |
| Net loans and leases to core deposits | 189.9083% | 87 |
| Total domestic deposits to total assets | 75.1100% | 4,021 |
| Equity capital to assets | 8.6703% | 2,918 |
| Core capital (leverage) ratio | 10.2008% | 2,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5722% | 2,034 |
| Memoranda: | ||
| Average total assets | $28,812,802,400 | 72 |
| Average earning assets | $26,769,117,600 | 69 |
| Average equity | $2,444,140,800 | 85 |
| Average total loans | $21,661,323,800 | 60 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6599% | 71 |
| Cost of funding earning assets | 3.6171% | 55 |
| Net interest margin | 6.0429% | 104 |
| Noninterest income to average assets | 0.9300% | 718 |
| Noninterest expense to average assets | 2.0115% | 3,570 |
| Loan and lease loss provision to assets | 1.5300% | 40 |
| Net operating income to assets | 2.2491% | 350 |
| Return on assets (ROA) | 2.2491% | 343 |
| Pretax return on assets | 3.0053% | 233 |
| Return on Equity (ROE) | 26.6600% | 321 |
| Retained earnings to average equity (ytd only) | 4.6563% | 3,059 |
| Net charge-offs to loans | 1.7360% | 44 |
| Credit loss provision to net charge-offs | 120.9148% | 1,479 |
| Earnings coverage of net charge-offs (x) | 3.4666% | 2,436 |
| Efficiency ratio | 30.7212% | 4,511 |
| Assets per employee ($millions) | 16.9583% | 144 |
| Cash dividends to net income (ytd only)* | 82.5362% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3354% | 26 |
| Loan loss allowance to noncurrent loans | 749.9738% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.6477% | 885 |
| Noncurrent loans to loans | 0.8448% | 979 |
| Net loans and leases to total assets | 71.8200% | 1,597 |
| Net loans and leases to deposits | 96.2557% | 736 |
| Net loans and leases to core deposits | 198.8647% | 41 |
| Total domestic deposits to total assets | 74.6100% | 4,115 |
| Equity capital to assets | 8.2892% | 2,861 |
| Core capital (leverage) ratio | 10.0707% | 2,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9348% | 2,286 |
| Memoranda: | ||
| Average total assets | $28,730,542,750 | 74 |
| Average earning assets | $26,693,578,000 | 71 |
| Average equity | $2,423,502,500 | 84 |
| Average total loans | $21,655,753,250 | 61 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6113% | 70 |
| Cost of funding earning assets | 3.4904% | 41 |
| Net interest margin | 6.1210% | 100 |
| Noninterest income to average assets | 1.2200% | 431 |
| Noninterest expense to average assets | 1.9924% | 3,618 |
| Loan and lease loss provision to assets | 0.9200% | 76 |
| Net operating income to assets | 3.0097% | 150 |
| Return on assets (ROA) | 3.0097% | 149 |
| Pretax return on assets | 3.9945% | 116 |
| Return on Equity (ROE) | 35.4700% | 146 |
| Retained earnings to average equity (ytd only) | 10.7373% | 1,237 |
| Net charge-offs to loans | 1.7413% | 51 |
| Credit loss provision to net charge-offs | 104.0965% | 1,413 |
| Earnings coverage of net charge-offs (x) | 3.7682% | 2,248 |
| Efficiency ratio | 28.8375% | 4,550 |
| Assets per employee ($millions) | 15.8102% | 163 |
| Cash dividends to net income (ytd only)* | 69.7292% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6205% | 26 |
| Loan loss allowance to noncurrent loans | 689.3167% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.7156% | 730 |
| Noncurrent loans to loans | 0.9604% | 789 |
| Net loans and leases to total assets | 69.5700% | 1,793 |
| Net loans and leases to deposits | 93.8048% | 884 |
| Net loans and leases to core deposits | 174.2667% | 66 |
| Total domestic deposits to total assets | 74.1700% | 4,185 |
| Equity capital to assets | 8.9459% | 2,552 |
| Core capital (leverage) ratio | 10.2404% | 2,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1070% | 1,848 |
| Memoranda: | ||
| Average total assets | $28,590,296,333 | 72 |
| Average earning assets | $26,596,782,667 | 68 |
| Average equity | $2,425,866,000 | 82 |
| Average total loans | $21,423,940,667 | 59 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4746% | 31 |
| Cost of funding earning assets | 3.3179% | 14 |
| Net interest margin | 6.1566% | 87 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 1.9697% | 3,696 |
| Loan and lease loss provision to assets | 1.5700% | 50 |
| Net operating income to assets | 1.9083% | 564 |
| Return on assets (ROA) | 1.9083% | 559 |
| Pretax return on assets | 2.5438% | 341 |
| Return on Equity (ROE) | 23.0900% | 502 |
| Retained earnings to average equity (ytd only) | 23.0880% | 239 |
| Net charge-offs to loans | 1.5408% | 52 |
| Credit loss provision to net charge-offs | 245.3660% | 755 |
| Earnings coverage of net charge-offs (x) | 3.5544% | 1,880 |
| Efficiency ratio | 32.3715% | 4,589 |
| Assets per employee ($millions) | 17.4103% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5394% | 20 |
| Loan loss allowance to noncurrent loans | 746.3026% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.6745% | 731 |
| Noncurrent loans to loans | 0.8762% | 864 |
| Net loans and leases to total assets | 71.9400% | 1,432 |
| Net loans and leases to deposits | 96.1532% | 642 |
| Net loans and leases to core deposits | 192.3953% | 41 |
| Total domestic deposits to total assets | 74.8200% | 4,239 |
| Equity capital to assets | 8.4486% | 2,935 |
| Core capital (leverage) ratio | 10.0286% | 2,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2774% | 2,278 |
| Memoranda: | ||
| Average total assets | $29,051,484,000 | 73 |
| Average earning assets | $27,058,515,500 | 71 |
| Average equity | $2,401,227,000 | 85 |
| Average total loans | $21,829,151,500 | 62 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6342% | 34 |
| Cost of funding earning assets | 1.8935% | 8 |
| Net interest margin | 5.7407% | 66 |
| Noninterest income to average assets | 1.4200% | 369 |
| Noninterest expense to average assets | 1.7662% | 4,071 |
| Loan and lease loss provision to assets | 2.2100% | 18 |
| Net operating income to assets | 2.1368% | 237 |
| Return on assets (ROA) | 2.1368% | 227 |
| Pretax return on assets | 2.8133% | 151 |
| Return on Equity (ROE) | 25.1000% | 210 |
| Retained earnings to average equity (ytd only) | -3.5901% | 4,541 |
| Net charge-offs to loans | 1.8324% | 34 |
| Credit loss provision to net charge-offs | 149.2270% | 1,303 |
| Earnings coverage of net charge-offs (x) | 3.6948% | 2,455 |
| Efficiency ratio | 26.0069% | 4,673 |
| Assets per employee ($millions) | 16.7626% | 150 |
| Cash dividends to net income (ytd only)* | 114.3054% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4509% | 21 |
| Loan loss allowance to noncurrent loans | 637.8521% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.7409% | 639 |
| Noncurrent loans to loans | 1.0113% | 718 |
| Net loans and leases to total assets | 68.5400% | 1,781 |
| Net loans and leases to deposits | 90.9153% | 989 |
| Net loans and leases to core deposits | 178.1272% | 39 |
| Total domestic deposits to total assets | 75.3900% | 4,290 |
| Equity capital to assets | 8.0780% | 3,014 |
| Core capital (leverage) ratio | 10.2614% | 2,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2000% | 1,898 |
| Memoranda: | ||
| Average total assets | $28,638,373,200 | 78 |
| Average earning assets | $26,777,084,200 | 75 |
| Average equity | $2,438,433,600 | 90 |
| Average total loans | $21,256,449,400 | 66 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2563% | 35 |
| Cost of funding earning assets | 1.5573% | 6 |
| Net interest margin | 5.6989% | 63 |
| Noninterest income to average assets | 1.7800% | 302 |
| Noninterest expense to average assets | 1.7656% | 4,041 |
| Loan and lease loss provision to assets | 1.5700% | 24 |
| Net operating income to assets | 2.8740% | 112 |
| Return on assets (ROA) | 2.8740% | 109 |
| Pretax return on assets | 3.7766% | 92 |
| Return on Equity (ROE) | 33.3200% | 72 |
| Retained earnings to average equity (ytd only) | -1.3291% | 4,447 |
| Net charge-offs to loans | 1.7030% | 32 |
| Credit loss provision to net charge-offs | 110.6179% | 1,268 |
| Earnings coverage of net charge-offs (x) | 4.2131% | 2,182 |
| Efficiency ratio | 24.8381% | 4,710 |
| Assets per employee ($millions) | 18.0215% | 123 |
| Cash dividends to net income (ytd only)* | 103.9882% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7220% | 27 |
| Loan loss allowance to noncurrent loans | 533.4492% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.7730% | 650 |
| Noncurrent loans to loans | 1.0726% | 704 |
| Net loans and leases to total assets | 67.9400% | 1,682 |
| Net loans and leases to deposits | 91.1687% | 815 |
| Net loans and leases to core deposits | 182.0756% | 33 |
| Total domestic deposits to total assets | 74.5200% | 4,438 |
| Equity capital to assets | 8.2114% | 2,748 |
| Core capital (leverage) ratio | 10.5905% | 2,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5935% | 1,848 |
| Memoranda: | ||
| Average total assets | $28,619,388,250 | 80 |
| Average earning assets | $26,775,737,500 | 76 |
| Average equity | $2,468,159,750 | 92 |
| Average total loans | $21,311,304,750 | 65 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0058% | 37 |
| Cost of funding earning assets | 1.2818% | 9 |
| Net interest margin | 5.7240% | 60 |
| Noninterest income to average assets | 2.0000% | 234 |
| Noninterest expense to average assets | 1.6809% | 4,168 |
| Loan and lease loss provision to assets | 0.9022% | 48 |
| Net operating income to assets | 3.6354% | 50 |
| Return on assets (ROA) | 3.6354% | 49 |
| Pretax return on assets | 4.7714% | 43 |
| Return on Equity (ROE) | 41.4821% | 23 |
| Retained earnings to average equity (ytd only) | 9.4189% | 1,168 |
| Net charge-offs to loans | 1.6036% | 36 |
| Credit loss provision to net charge-offs | 51.0212% | 1,490 |
| Earnings coverage of net charge-offs (x) | 4.7001% | 1,947 |
| Efficiency ratio | 22.8550% | 4,745 |
| Assets per employee ($millions) | 16.7939% | 145 |
| Cash dividends to net income (ytd only)* | 77.2941% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3244% | 36 |
| Loan loss allowance to noncurrent loans | 607.5282% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.6501% | 844 |
| Noncurrent loans to loans | 0.8764% | 968 |
| Net loans and leases to total assets | 70.2229% | 1,283 |
| Net loans and leases to deposits | 95.2358% | 460 |
| Net loans and leases to core deposits | 180.0530% | 31 |
| Total domestic deposits to total assets | 73.7358% | 4,543 |
| Equity capital to assets | 9.2989% | 2,158 |
| Core capital (leverage) ratio | 11.2237% | 1,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6016% | 1,540 |
| Memoranda: | ||
| Average total assets | $28,505,685,333 | 78 |
| Average earning assets | $26,666,079,000 | 77 |
| Average equity | $2,498,193,333 | 92 |
| Average total loans | $21,458,120,333 | 65 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8785% | 38 |
| Cost of funding earning assets | 1.1780% | 12 |
| Net interest margin | 5.7005% | 61 |
| Noninterest income to average assets | 0.3364% | 3,076 |
| Noninterest expense to average assets | 1.6298% | 4,251 |
| Loan and lease loss provision to assets | 1.3491% | 33 |
| Net operating income to assets | 2.0665% | 199 |
| Return on assets (ROA) | 2.0665% | 196 |
| Pretax return on assets | 2.6944% | 135 |
| Return on Equity (ROE) | 24.2782% | 101 |
| Retained earnings to average equity (ytd only) | 6.8205% | 1,949 |
| Net charge-offs to loans | 1.3802% | 54 |
| Credit loss provision to net charge-offs | 181.5823% | 805 |
| Earnings coverage of net charge-offs (x) | 3.8653% | 1,646 |
| Efficiency ratio | 28.7274% | 4,748 |
| Assets per employee ($millions) | 19.1301% | 116 |
| Cash dividends to net income (ytd only)* | 71.9070% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4448% | 35 |
| Loan loss allowance to noncurrent loans | 654.8934% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.6479% | 918 |
| Noncurrent loans to loans | 0.8314% | 1,127 |
| Net loans and leases to total assets | 73.6896% | 682 |
| Net loans and leases to deposits | 98.9096% | 204 |
| Net loans and leases to core deposits | 192.4093% | 26 |
| Total domestic deposits to total assets | 74.5019% | 4,558 |
| Equity capital to assets | 8.6040% | 3,074 |
| Core capital (leverage) ratio | 10.5227% | 1,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1681% | 2,130 |
| Memoranda: | ||
| Average total assets | $29,071,517,000 | 79 |
| Average earning assets | $27,217,150,500 | 77 |
| Average equity | $2,474,551,000 | 95 |
| Average total loans | $22,035,236,000 | 65 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4546% | 56 |
| Cost of funding earning assets | 1.2553% | 23 |
| Net interest margin | 5.1993% | 109 |
| Noninterest income to average assets | 2.0991% | 291 |
| Noninterest expense to average assets | 1.6402% | 4,374 |
| Loan and lease loss provision to assets | -0.1111% | 4,561 |
| Net operating income to assets | 4.1014% | 59 |
| Return on assets (ROA) | 4.1014% | 61 |
| Pretax return on assets | 5.4176% | 50 |
| Return on Equity (ROE) | 50.1145% | 16 |
| Retained earnings to average equity (ytd only) | -9.3728% | 4,760 |
| Net charge-offs to loans | 0.9095% | 69 |
| Credit loss provision to net charge-offs | 2.1787% | 2,323 |
| Earnings coverage of net charge-offs (x) | 7.8425% | 2,326 |
| Efficiency ratio | 23.6109% | 4,814 |
| Assets per employee ($millions) | 19.9306% | 102 |
| Cash dividends to net income (ytd only)* | 118.7027% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4130% | 33 |
| Loan loss allowance to noncurrent loans | 988.3761% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.4035% | 1,621 |
| Noncurrent loans to loans | 0.5477% | 1,753 |
| Net loans and leases to total assets | 69.6935% | 1,076 |
| Net loans and leases to deposits | 95.1718% | 344 |
| Net loans and leases to core deposits | 186.9860% | 28 |
| Total domestic deposits to total assets | 73.2292% | 4,609 |
| Equity capital to assets | 8.4208% | 4,103 |
| Core capital (leverage) ratio | 11.0598% | 1,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5279% | 2,044 |
| Memoranda: | ||
| Average total assets | $29,670,648,800 | 76 |
| Average earning assets | $27,663,582,400 | 75 |
| Average equity | $2,428,250,800 | 100 |
| Average total loans | $22,073,815,200 | 62 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3703% | 65 |
| Cost of funding earning assets | 1.2799% | 25 |
| Net interest margin | 5.0904% | 140 |
| Noninterest income to average assets | 2.0553% | 331 |
| Noninterest expense to average assets | 1.6684% | 4,375 |
| Loan and lease loss provision to assets | -0.0790% | 4,547 |
| Net operating income to assets | 3.9534% | 68 |
| Return on assets (ROA) | 3.9534% | 69 |
| Pretax return on assets | 5.2056% | 60 |
| Return on Equity (ROE) | 48.6513% | 19 |
| Retained earnings to average equity (ytd only) | -16.6030% | 4,871 |
| Net charge-offs to loans | 0.8379% | 82 |
| Credit loss provision to net charge-offs | -4.8244% | 3,043 |
| Earnings coverage of net charge-offs (x) | 8.2044% | 2,112 |
| Efficiency ratio | 24.5534% | 4,887 |
| Assets per employee ($millions) | 19.3669% | 113 |
| Cash dividends to net income (ytd only)* | 134.1266% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3972% | 31 |
| Loan loss allowance to noncurrent loans | 1,144.6774% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.3694% | 1,965 |
| Noncurrent loans to loans | 0.4715% | 2,144 |
| Net loans and leases to total assets | 74.1245% | 683 |
| Net loans and leases to deposits | 100.2645% | 223 |
| Net loans and leases to core deposits | 229.6548% | 27 |
| Total domestic deposits to total assets | 73.9290% | 4,642 |
| Equity capital to assets | 8.2820% | 4,362 |
| Core capital (leverage) ratio | 10.9143% | 1,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7420% | 2,454 |
| Memoranda: | ||
| Average total assets | $29,783,738,000 | 76 |
| Average earning assets | $27,732,114,250 | 75 |
| Average equity | $2,420,211,000 | 100 |
| Average total loans | $22,210,123,250 | 63 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2312% | 74 |
| Cost of funding earning assets | 1.3128% | 27 |
| Net interest margin | 4.9184% | 187 |
| Noninterest income to average assets | 2.9271% | 194 |
| Noninterest expense to average assets | 1.5850% | 4,527 |
| Loan and lease loss provision to assets | -1.0361% | 4,942 |
| Net operating income to assets | 5.2798% | 48 |
| Return on assets (ROA) | 5.2798% | 48 |
| Pretax return on assets | 6.9652% | 44 |
| Return on Equity (ROE) | 65.3742% | 8 |
| Retained earnings to average equity (ytd only) | -27.8653% | 4,920 |
| Net charge-offs to loans | 0.8202% | 99 |
| Credit loss provision to net charge-offs | -122.2309% | 3,094 |
| Earnings coverage of net charge-offs (x) | 9.8528% | 1,819 |
| Efficiency ratio | 21.0940% | 4,928 |
| Assets per employee ($millions) | 17.7670% | 136 |
| Cash dividends to net income (ytd only)* | 142.6244% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4474% | 30 |
| Loan loss allowance to noncurrent loans | 1,246.2877% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.3228% | 2,305 |
| Noncurrent loans to loans | 0.4371% | 2,362 |
| Net loans and leases to total assets | 69.8394% | 1,213 |
| Net loans and leases to deposits | 92.8446% | 500 |
| Net loans and leases to core deposits | 208.1601% | 30 |
| Total domestic deposits to total assets | 75.2218% | 4,604 |
| Equity capital to assets | 8.0994% | 4,478 |
| Core capital (leverage) ratio | 10.4735% | 1,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0170% | 2,363 |
| Memoranda: | ||
| Average total assets | $30,131,512,000 | 75 |
| Average earning assets | $28,101,701,333 | 74 |
| Average equity | $2,433,518,000 | 98 |
| Average total loans | $22,107,128,333 | 64 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1132% | 91 |
| Cost of funding earning assets | 1.3483% | 31 |
| Net interest margin | 4.7649% | 252 |
| Noninterest income to average assets | 5.4365% | 114 |
| Noninterest expense to average assets | 1.5337% | 4,616 |
| Loan and lease loss provision to assets | -2.9340% | 4,976 |
| Net operating income to assets | 8.5612% | 29 |
| Return on assets (ROA) | 8.5612% | 28 |
| Pretax return on assets | 11.2850% | 26 |
| Return on Equity (ROE) | 106.1462% | 2 |
| Retained earnings to average equity (ytd only) | -56.8337% | 4,965 |
| Net charge-offs to loans | 0.8460% | 97 |
| Credit loss provision to net charge-offs | -283.7289% | 3,039 |
| Earnings coverage of net charge-offs (x) | 13.4966% | 1,401 |
| Efficiency ratio | 15.5155% | 4,965 |
| Assets per employee ($millions) | 18.7634% | 116 |
| Cash dividends to net income (ytd only)* | 153.5428% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4660% | 30 |
| Loan loss allowance to noncurrent loans | 1,212.9471% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.3161% | 2,561 |
| Noncurrent loans to loans | 0.4506% | 2,504 |
| Net loans and leases to total assets | 66.3056% | 1,756 |
| Net loans and leases to deposits | 85.7756% | 974 |
| Net loans and leases to core deposits | 182.4164% | 48 |
| Total domestic deposits to total assets | 77.3012% | 4,495 |
| Equity capital to assets | 7.5265% | 4,698 |
| Core capital (leverage) ratio | 9.9561% | 2,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8137% | 2,365 |
| Memoranda: | ||
| Average total assets | $30,779,384,500 | 75 |
| Average earning assets | $28,734,002,000 | 73 |
| Average equity | $2,482,515,000 | 94 |
| Average total loans | $22,511,212,000 | 65 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9615% | 45 |
| Cost of funding earning assets | 1.8134% | 20 |
| Net interest margin | 5.1481% | 101 |
| Noninterest income to average assets | 1.0721% | 927 |
| Noninterest expense to average assets | 1.6296% | 4,682 |
| Loan and lease loss provision to assets | 0.3244% | 1,126 |
| Net operating income to assets | 2.9663% | 96 |
| Return on assets (ROA) | 2.9663% | 99 |
| Pretax return on assets | 3.9205% | 74 |
| Return on Equity (ROE) | 37.8673% | 38 |
| Retained earnings to average equity (ytd only) | 14.1846% | 182 |
| Net charge-offs to loans | 1.3692% | 81 |
| Credit loss provision to net charge-offs | 31.2189% | 3,214 |
| Earnings coverage of net charge-offs (x) | 4.0847% | 3,030 |
| Efficiency ratio | 27.7397% | 4,969 |
| Assets per employee ($millions) | 18.2497% | 111 |
| Cash dividends to net income (ytd only)* | 62.5414% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8064% | 27 |
| Loan loss allowance to noncurrent loans | 962.4640% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.4593% | 2,187 |
| Noncurrent loans to loans | 0.6033% | 2,189 |
| Net loans and leases to total assets | 71.7097% | 1,328 |
| Net loans and leases to deposits | 95.2015% | 588 |
| Net loans and leases to core deposits | 208.4340% | 37 |
| Total domestic deposits to total assets | 75.3242% | 4,552 |
| Equity capital to assets | 8.6036% | 4,371 |
| Core capital (leverage) ratio | 11.3222% | 1,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0151% | 1,844 |
| Memoranda: | ||
| Average total assets | $31,231,958,000 | 69 |
| Average earning assets | $29,134,475,400 | 66 |
| Average equity | $2,446,504,600 | 90 |
| Average total loans | $23,704,798,200 | 56 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0547% | 47 |
| Cost of funding earning assets | 1.9223% | 21 |
| Net interest margin | 5.1324% | 113 |
| Noninterest income to average assets | 1.3672% | 591 |
| Noninterest expense to average assets | 1.7215% | 4,601 |
| Loan and lease loss provision to assets | 1.7570% | 43 |
| Net operating income to assets | 2.0277% | 276 |
| Return on assets (ROA) | 2.0277% | 303 |
| Pretax return on assets | 2.6804% | 163 |
| Return on Equity (ROE) | 26.5263% | 100 |
| Retained earnings to average equity (ytd only) | -5.0817% | 4,848 |
| Net charge-offs to loans | 1.4774% | 80 |
| Credit loss provision to net charge-offs | 156.7993% | 2,291 |
| Earnings coverage of net charge-offs (x) | 3.9601% | 2,865 |
| Efficiency ratio | 27.9510% | 4,999 |
| Assets per employee ($millions) | 16.5213% | 131 |
| Cash dividends to net income (ytd only)* | 119.1573% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3935% | 20 |
| Loan loss allowance to noncurrent loans | 1,298.7503% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.4370% | 2,430 |
| Noncurrent loans to loans | 0.5693% | 2,375 |
| Net loans and leases to total assets | 71.0834% | 1,804 |
| Net loans and leases to deposits | 93.4400% | 966 |
| Net loans and leases to core deposits | 209.3919% | 36 |
| Total domestic deposits to total assets | 76.0738% | 4,415 |
| Equity capital to assets | 7.2074% | 4,917 |
| Core capital (leverage) ratio | 10.2457% | 2,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9271% | 2,239 |
| Memoranda: | ||
| Average total assets | $31,338,567,250 | 67 |
| Average earning assets | $29,257,805,750 | 65 |
| Average equity | $2,395,532,000 | 91 |
| Average total loans | $23,767,926,750 | 56 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1913% | 55 |
| Cost of funding earning assets | 2.0738% | 14 |
| Net interest margin | 5.1175% | 162 |
| Noninterest income to average assets | 1.9650% | 294 |
| Noninterest expense to average assets | 1.4643% | 4,874 |
| Loan and lease loss provision to assets | 2.8195% | 30 |
| Net operating income to assets | 1.8768% | 420 |
| Return on assets (ROA) | 1.8768% | 466 |
| Pretax return on assets | 2.4727% | 229 |
| Return on Equity (ROE) | 24.1079% | 125 |
| Retained earnings to average equity (ytd only) | -22.0676% | 5,012 |
| Net charge-offs to loans | 0.8468% | 179 |
| Credit loss provision to net charge-offs | 440.7235% | 1,325 |
| Earnings coverage of net charge-offs (x) | 8.2724% | 2,302 |
| Efficiency ratio | 21.6733% | 5,044 |
| Assets per employee ($millions) | 16.2827% | 134 |
| Cash dividends to net income (ytd only)* | 191.5365% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3485% | 15 |
| Loan loss allowance to noncurrent loans | 1,827.3219% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.3471% | 2,904 |
| Noncurrent loans to loans | 0.4569% | 2,777 |
| Net loans and leases to total assets | 69.6358% | 2,088 |
| Net loans and leases to deposits | 89.2690% | 1,421 |
| Net loans and leases to core deposits | 207.6127% | 34 |
| Total domestic deposits to total assets | 78.0067% | 4,190 |
| Equity capital to assets | 6.6097% | 5,009 |
| Core capital (leverage) ratio | 9.6081% | 3,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7115% | 2,309 |
| Memoranda: | ||
| Average total assets | $31,596,642,667 | 68 |
| Average earning assets | $29,583,503,667 | 64 |
| Average equity | $2,459,745,667 | 88 |
| Average total loans | $23,870,325,667 | 57 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6356% | 48 |
| Cost of funding earning assets | 2.2909% | 9 |
| Net interest margin | 5.3447% | 118 |
| Noninterest income to average assets | 3.6255% | 125 |
| Noninterest expense to average assets | 0.5047% | 5,098 |
| Loan and lease loss provision to assets | 1.8615% | 78 |
| Net operating income to assets | 4.7369% | 32 |
| Return on assets (ROA) | 4.7369% | 32 |
| Pretax return on assets | 6.2815% | 30 |
| Return on Equity (ROE) | 56.7967% | 10 |
| Retained earnings to average equity (ytd only) | -23.8167% | 5,000 |
| Net charge-offs to loans | 1.0133% | 153 |
| Credit loss provision to net charge-offs | 243.8385% | 1,305 |
| Earnings coverage of net charge-offs (x) | 10.6666% | 1,758 |
| Efficiency ratio | 5.8362% | 5,106 |
| Assets per employee ($millions) | 16.9017% | 98 |
| Cash dividends to net income (ytd only)* | 141.9333% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1569% | 19 |
| Loan loss allowance to noncurrent loans | 1,271.6291% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.4141% | 2,801 |
| Noncurrent loans to loans | 0.5628% | 2,590 |
| Net loans and leases to total assets | 68.3144% | 2,499 |
| Net loans and leases to deposits | 87.8059% | 1,766 |
| Net loans and leases to core deposits | 203.8613% | 39 |
| Total domestic deposits to total assets | 77.8017% | 4,248 |
| Equity capital to assets | 6.6621% | 5,082 |
| Core capital (leverage) ratio | 9.3892% | 4,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6566% | 2,419 |
| Memoranda: | ||
| Average total assets | $32,186,899,000 | 64 |
| Average earning assets | $30,244,976,500 | 61 |
| Average equity | $2,684,417,000 | 83 |
| Average total loans | $24,250,570,000 | 54 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4440% | 41 |
| Cost of funding earning assets | 2.5411% | 6 |
| Net interest margin | 5.9030% | 70 |
| Noninterest income to average assets | 0.1592% | 4,696 |
| Noninterest expense to average assets | 1.8283% | 4,740 |
| Loan and lease loss provision to assets | 1.2015% | 76 |
| Net operating income to assets | 2.0319% | 323 |
| Return on assets (ROA) | 2.0319% | 343 |
| Pretax return on assets | 2.6815% | 151 |
| Return on Equity (ROE) | 19.6275% | 232 |
| Retained earnings to average equity (ytd only) | 11.2987% | 298 |
| Net charge-offs to loans | 1.0513% | 154 |
| Credit loss provision to net charge-offs | 139.8153% | 1,849 |
| Earnings coverage of net charge-offs (x) | 4.5186% | 3,207 |
| Efficiency ratio | 32.0125% | 5,129 |
| Assets per employee ($millions) | 16.7001% | 100 |
| Cash dividends to net income (ytd only)* | 42.4346% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7592% | 708 |
| Loan loss allowance to noncurrent loans | 292.3936% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.4636% | 2,549 |
| Noncurrent loans to loans | 0.6016% | 2,383 |
| Net loans and leases to total assets | 75.7053% | 1,464 |
| Net loans and leases to deposits | 100.2463% | 593 |
| Net loans and leases to core deposits | 235.5081% | 32 |
| Total domestic deposits to total assets | 75.5193% | 4,653 |
| Equity capital to assets | 9.9757% | 3,944 |
| Core capital (leverage) ratio | 10.1800% | 3,323 |
| Tier 1 risk-based capital ratio | 12.1799% | 4,257 |
| Total risk-based capital ratio | 13.4350% | 4,141 |
| Memoranda: | ||
| Average total assets | $29,458,320,400 | 66 |
| Average earning assets | $27,707,430,800 | 63 |
| Average equity | $3,049,635,400 | 72 |
| Average total loans | $24,079,324,800 | 53 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5972% | 39 |
| Cost of funding earning assets | 2.5937% | 6 |
| Net interest margin | 6.0035% | 67 |
| Noninterest income to average assets | 0.1988% | 4,528 |
| Noninterest expense to average assets | 1.8784% | 4,723 |
| Loan and lease loss provision to assets | 1.1945% | 76 |
| Net operating income to assets | 2.0916% | 327 |
| Return on assets (ROA) | 2.0916% | 339 |
| Pretax return on assets | 2.7656% | 157 |
| Return on Equity (ROE) | 19.9976% | 245 |
| Retained earnings to average equity (ytd only) | 9.2834% | 963 |
| Net charge-offs to loans | 1.0277% | 135 |
| Credit loss provision to net charge-offs | 139.9147% | 1,724 |
| Earnings coverage of net charge-offs (x) | 4.6385% | 2,992 |
| Efficiency ratio | 32.1726% | 5,203 |
| Assets per employee ($millions) | 16.3176% | 98 |
| Cash dividends to net income (ytd only)* | 53.5773% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6485% | 907 |
| Loan loss allowance to noncurrent loans | 286.1169% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 2,658 |
| Noncurrent loans to loans | 0.5761% | 2,571 |
| Net loans and leases to total assets | 79.7059% | 886 |
| Net loans and leases to deposits | 107.7774% | 273 |
| Net loans and leases to core deposits | 254.0485% | 29 |
| Total domestic deposits to total assets | 73.9541% | 4,819 |
| Equity capital to assets | 10.0035% | 4,017 |
| Core capital (leverage) ratio | 10.3266% | 3,284 |
| Tier 1 risk-based capital ratio | 11.5444% | 4,649 |
| Total risk-based capital ratio | 12.7979% | 4,550 |
| Memoranda: | ||
| Average total assets | $28,673,268,250 | 69 |
| Average earning assets | $26,936,312,000 | 64 |
| Average equity | $2,999,058,750 | 73 |
| Average total loans | $23,818,975,000 | 53 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7271% | 38 |
| Cost of funding earning assets | 2.5895% | 5 |
| Net interest margin | 6.1376% | 62 |
| Noninterest income to average assets | 0.2409% | 4,310 |
| Noninterest expense to average assets | 1.8368% | 4,832 |
| Loan and lease loss provision to assets | 1.1371% | 82 |
| Net operating income to assets | 2.2926% | 221 |
| Return on assets (ROA) | 2.2926% | 230 |
| Pretax return on assets | 3.0377% | 116 |
| Return on Equity (ROE) | 21.5708% | 181 |
| Retained earnings to average equity (ytd only) | 6.6605% | 1,973 |
| Net charge-offs to loans | 0.9898% | 143 |
| Credit loss provision to net charge-offs | 137.0570% | 1,599 |
| Earnings coverage of net charge-offs (x) | 5.0319% | 2,692 |
| Efficiency ratio | 30.5540% | 5,254 |
| Assets per employee ($millions) | 15.1054% | 103 |
| Cash dividends to net income (ytd only)* | 69.1228% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6230% | 982 |
| Loan loss allowance to noncurrent loans | 289.4203% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.4500% | 2,718 |
| Noncurrent loans to loans | 0.5608% | 2,587 |
| Net loans and leases to total assets | 78.9369% | 1,050 |
| Net loans and leases to deposits | 107.9696% | 273 |
| Net loans and leases to core deposits | 245.4933% | 31 |
| Total domestic deposits to total assets | 73.1103% | 4,897 |
| Equity capital to assets | 10.1566% | 3,831 |
| Core capital (leverage) ratio | 10.6156% | 2,966 |
| Tier 1 risk-based capital ratio | 11.9244% | 4,465 |
| Total risk-based capital ratio | 13.1778% | 4,345 |
| Memoranda: | ||
| Average total assets | $27,891,084,330 | 69 |
| Average earning assets | $26,223,003,670 | 64 |
| Average equity | $2,964,385,330 | 72 |
| Average total loans | $23,378,957,670 | 53 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9181% | 35 |
| Cost of funding earning assets | 2.5662% | 6 |
| Net interest margin | 6.3519% | 55 |
| Noninterest income to average assets | 0.1506% | 4,842 |
| Noninterest expense to average assets | 1.8385% | 4,876 |
| Loan and lease loss provision to assets | 0.9694% | 87 |
| Net operating income to assets | 2.5089% | 158 |
| Return on assets (ROA) | 2.5089% | 168 |
| Pretax return on assets | 3.3209% | 101 |
| Return on Equity (ROE) | 23.0489% | 144 |
| Retained earnings to average equity (ytd only) | 11.5204% | 699 |
| Net charge-offs to loans | 0.8341% | 179 |
| Credit loss provision to net charge-offs | 135.5016% | 1,325 |
| Earnings coverage of net charge-offs (x) | 5.9971% | 2,225 |
| Efficiency ratio | 29.9979% | 5,316 |
| Assets per employee ($millions) | 15.2750% | 101 |
| Cash dividends to net income (ytd only)* | 50.0177% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5017% | 1,334 |
| Loan loss allowance to noncurrent loans | 289.4059% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.4486% | 2,801 |
| Noncurrent loans to loans | 0.5189% | 2,759 |
| Net loans and leases to total assets | 85.1521% | 262 |
| Net loans and leases to deposits | 117.4328% | 111 |
| Net loans and leases to core deposits | 257.0336% | 32 |
| Total domestic deposits to total assets | 72.5113% | 5,020 |
| Equity capital to assets | 10.8387% | 3,008 |
| Core capital (leverage) ratio | 11.0172% | 2,563 |
| Tier 1 risk-based capital ratio | 11.9075% | 4,513 |
| Total risk-based capital ratio | 13.1597% | 4,408 |
| Memoranda: | ||
| Average total assets | $27,093,743,500 | 71 |
| Average earning assets | $25,499,952,500 | 68 |
| Average equity | $2,949,208,500 | 74 |
| Average total loans | $23,238,866,000 | 54 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5089% | 36 |
| Cost of funding earning assets | 2.2783% | 5 |
| Net interest margin | 6.2307% | 65 |
| Noninterest income to average assets | 0.1424% | 4,999 |
| Noninterest expense to average assets | 2.1288% | 4,498 |
| Loan and lease loss provision to assets | 1.0092% | 85 |
| Net operating income to assets | 2.1647% | 267 |
| Return on assets (ROA) | 2.1596% | 263 |
| Pretax return on assets | 2.8612% | 112 |
| Return on Equity (ROE) | 19.8658% | 257 |
| Retained earnings to average equity (ytd only) | 19.8658% | 36 |
| Net charge-offs to loans | 0.7392% | 214 |
| Credit loss provision to net charge-offs | 157.8593% | 1,757 |
| Earnings coverage of net charge-offs (x) | 6.0640% | 3,127 |
| Efficiency ratio | 35.4468% | 5,329 |
| Assets per employee ($millions) | 14.5994% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 1,264 |
| Loan loss allowance to noncurrent loans | 273.1656% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 2,683 |
| Noncurrent loans to loans | 0.5522% | 2,617 |
| Net loans and leases to total assets | 83.7849% | 433 |
| Net loans and leases to deposits | 115.2554% | 154 |
| Net loans and leases to core deposits | 255.0392% | 31 |
| Total domestic deposits to total assets | 72.6949% | 5,030 |
| Equity capital to assets | 10.9334% | 2,754 |
| Core capital (leverage) ratio | 11.1471% | 2,399 |
| Tier 1 risk-based capital ratio | 12.0812% | 4,374 |
| Total risk-based capital ratio | 13.3334% | 4,262 |
| Memoranda: | ||
| Average total assets | $24,234,946,800 | 75 |
| Average earning assets | $22,805,649,000 | 72 |
| Average equity | $2,634,595,800 | 77 |
| Average total loans | $20,959,065,400 | 58 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3970% | 34 |
| Cost of funding earning assets | 2.1862% | 6 |
| Net interest margin | 6.2109% | 65 |
| Noninterest income to average assets | 0.1092% | 5,176 |
| Noninterest expense to average assets | 2.1497% | 4,426 |
| Loan and lease loss provision to assets | 1.0563% | 77 |
| Net operating income to assets | 2.0787% | 324 |
| Return on assets (ROA) | 2.0718% | 325 |
| Pretax return on assets | 2.7362% | 154 |
| Return on Equity (ROE) | 19.0885% | 334 |
| Retained earnings to average equity (ytd only) | 19.0885% | 69 |
| Net charge-offs to loans | 0.7128% | 201 |
| Credit loss provision to net charge-offs | 170.5563% | 1,563 |
| Earnings coverage of net charge-offs (x) | 6.1378% | 2,910 |
| Efficiency ratio | 36.1245% | 5,388 |
| Assets per employee ($millions) | 14.7594% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4745% | 1,440 |
| Loan loss allowance to noncurrent loans | 258.5867% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.4965% | 2,716 |
| Noncurrent loans to loans | 0.5702% | 2,667 |
| Net loans and leases to total assets | 85.7932% | 282 |
| Net loans and leases to deposits | 120.1924% | 101 |
| Net loans and leases to core deposits | 261.5278% | 28 |
| Total domestic deposits to total assets | 71.3798% | 5,168 |
| Equity capital to assets | 10.7821% | 2,860 |
| Core capital (leverage) ratio | 11.0919% | 2,492 |
| Tier 1 risk-based capital ratio | 11.5339% | 4,774 |
| Total risk-based capital ratio | 12.7857% | 4,657 |
| Memoranda: | ||
| Average total assets | $23,647,289,500 | 75 |
| Average earning assets | $22,241,748,500 | 72 |
| Average equity | $2,566,566,000 | 79 |
| Average total loans | $20,544,880,250 | 59 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3363% | 33 |
| Cost of funding earning assets | 2.0736% | 6 |
| Net interest margin | 6.2627% | 63 |
| Noninterest income to average assets | 0.1421% | 5,109 |
| Noninterest expense to average assets | 2.0692% | 4,681 |
| Loan and lease loss provision to assets | 1.0304% | 77 |
| Net operating income to assets | 2.2257% | 241 |
| Return on assets (ROA) | 2.2150% | 238 |
| Pretax return on assets | 2.9232% | 124 |
| Return on Equity (ROE) | 20.3585% | 240 |
| Retained earnings to average equity (ytd only) | 20.3585% | 60 |
| Net charge-offs to loans | 0.7481% | 191 |
| Credit loss provision to net charge-offs | 158.6828% | 1,521 |
| Earnings coverage of net charge-offs (x) | 6.1092% | 2,655 |
| Efficiency ratio | 34.2795% | 5,465 |
| Assets per employee ($millions) | 14.3693% | 109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 1,630 |
| Loan loss allowance to noncurrent loans | 239.9534% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.5116% | 2,709 |
| Noncurrent loans to loans | 0.5972% | 2,626 |
| Net loans and leases to total assets | 84.4404% | 414 |
| Net loans and leases to deposits | 118.2229% | 125 |
| Net loans and leases to core deposits | 248.7411% | 29 |
| Total domestic deposits to total assets | 71.4247% | 5,213 |
| Equity capital to assets | 10.9762% | 2,657 |
| Core capital (leverage) ratio | 11.2343% | 2,316 |
| Tier 1 risk-based capital ratio | 12.0017% | 4,492 |
| Total risk-based capital ratio | 13.2530% | 4,369 |
| Memoranda: | ||
| Average total assets | $22,988,934,670 | 76 |
| Average earning assets | $21,636,616,670 | 73 |
| Average equity | $2,501,210,000 | 80 |
| Average total loans | $19,956,106,000 | 60 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2894% | 32 |
| Cost of funding earning assets | 1.9606% | 7 |
| Net interest margin | 6.3287% | 51 |
| Noninterest income to average assets | 0.2102% | 4,757 |
| Noninterest expense to average assets | 1.9590% | 4,926 |
| Loan and lease loss provision to assets | 0.9895% | 86 |
| Net operating income to assets | 2.4490% | 160 |
| Return on assets (ROA) | 2.4490% | 162 |
| Pretax return on assets | 3.2241% | 97 |
| Return on Equity (ROE) | 22.6156% | 142 |
| Retained earnings to average equity (ytd only) | 22.6156% | 70 |
| Net charge-offs to loans | 0.7111% | 210 |
| Credit loss provision to net charge-offs | 159.1616% | 1,194 |
| Earnings coverage of net charge-offs (x) | 6.7777% | 2,139 |
| Efficiency ratio | 31.7377% | 5,555 |
| Assets per employee ($millions) | 15.2273% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 2,095 |
| Loan loss allowance to noncurrent loans | 196.1501% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.5963% | 2,529 |
| Noncurrent loans to loans | 0.6787% | 2,517 |
| Net loans and leases to total assets | 86.6833% | 213 |
| Net loans and leases to deposits | 118.9350% | 127 |
| Net loans and leases to core deposits | 249.5079% | 32 |
| Total domestic deposits to total assets | 72.8829% | 5,224 |
| Equity capital to assets | 10.7901% | 2,778 |
| Core capital (leverage) ratio | 10.9570% | 2,484 |
| Tier 1 risk-based capital ratio | 11.7065% | 4,736 |
| Total risk-based capital ratio | 12.9568% | 4,626 |
| Memoranda: | ||
| Average total assets | $22,456,270,500 | 79 |
| Average earning assets | $21,156,148,000 | 77 |
| Average equity | $2,431,697,000 | 84 |
| Average total loans | $19,630,764,000 | 61 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7167% | 44 |
| Cost of funding earning assets | 1.6386% | 10 |
| Net interest margin | 6.0781% | 67 |
| Noninterest income to average assets | 0.0699% | 5,487 |
| Noninterest expense to average assets | 2.0174% | 4,932 |
| Loan and lease loss provision to assets | 0.9356% | 107 |
| Net operating income to assets | 1.5999% | 653 |
| Return on assets (ROA) | 1.5999% | 667 |
| Pretax return on assets | 2.8322% | 112 |
| Return on Equity (ROE) | 14.5034% | 688 |
| Retained earnings to average equity (ytd only) | 14.5034% | 92 |
| Net charge-offs to loans | 0.6913% | 311 |
| Credit loss provision to net charge-offs | 156.1976% | 1,711 |
| Earnings coverage of net charge-offs (x) | 6.2901% | 3,200 |
| Efficiency ratio | 34.8716% | 5,595 |
| Assets per employee ($millions) | 13.7256% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3362% | 2,043 |
| Loan loss allowance to noncurrent loans | 197.9214% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.5870% | 2,597 |
| Noncurrent loans to loans | 0.6751% | 2,525 |
| Net loans and leases to total assets | 85.7883% | 272 |
| Net loans and leases to deposits | 116.0450% | 150 |
| Net loans and leases to core deposits | 246.4944% | 31 |
| Total domestic deposits to total assets | 73.9267% | 5,189 |
| Equity capital to assets | 10.8699% | 2,765 |
| Core capital (leverage) ratio | 11.0049% | 2,331 |
| Tier 1 risk-based capital ratio | 11.8559% | 4,623 |
| Total risk-based capital ratio | 13.1062% | 4,515 |
| Memoranda: | ||
| Average total assets | $19,835,913,800 | 83 |
| Average earning assets | $18,652,304,000 | 80 |
| Average equity | $2,188,096,800 | 84 |
| Average total loans | $17,187,057,600 | 68 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6059% | 45 |
| Cost of funding earning assets | 1.5844% | 13 |
| Net interest margin | 6.0215% | 69 |
| Noninterest income to average assets | 0.0445% | 5,625 |
| Noninterest expense to average assets | 1.9997% | 4,956 |
| Loan and lease loss provision to assets | 0.8978% | 116 |
| Net operating income to assets | 1.7732% | 494 |
| Return on assets (ROA) | 1.7732% | 510 |
| Pretax return on assets | 2.8055% | 137 |
| Return on Equity (ROE) | 16.0091% | 529 |
| Retained earnings to average equity (ytd only) | 16.0091% | 92 |
| Net charge-offs to loans | 0.6779% | 284 |
| Credit loss provision to net charge-offs | 153.0068% | 1,666 |
| Earnings coverage of net charge-offs (x) | 6.3112% | 2,998 |
| Efficiency ratio | 35.0639% | 5,652 |
| Assets per employee ($millions) | 14.6061% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2583% | 2,590 |
| Loan loss allowance to noncurrent loans | 201.2209% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.5478% | 2,881 |
| Noncurrent loans to loans | 0.6253% | 2,834 |
| Net loans and leases to total assets | 86.5005% | 226 |
| Net loans and leases to deposits | 116.0388% | 154 |
| Net loans and leases to core deposits | 237.8265% | 36 |
| Total domestic deposits to total assets | 74.5445% | 5,180 |
| Equity capital to assets | 10.9378% | 2,927 |
| Core capital (leverage) ratio | 11.4273% | 2,075 |
| Tier 1 risk-based capital ratio | 11.8345% | 4,744 |
| Total risk-based capital ratio | 13.0333% | 4,645 |
| Memoranda: | ||
| Average total assets | $19,383,566,750 | 84 |
| Average earning assets | $18,215,022,250 | 80 |
| Average equity | $2,146,913,750 | 83 |
| Average total loans | $16,778,670,750 | 67 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5650% | 46 |
| Cost of funding earning assets | 1.5020% | 19 |
| Net interest margin | 6.0630% | 70 |
| Noninterest income to average assets | -0.0393% | 5,749 |
| Noninterest expense to average assets | 1.9236% | 5,145 |
| Loan and lease loss provision to assets | 0.8117% | 125 |
| Net operating income to assets | 1.8703% | 394 |
| Return on assets (ROA) | 1.8703% | 408 |
| Pretax return on assets | 2.9292% | 119 |
| Return on Equity (ROE) | 16.8089% | 429 |
| Retained earnings to average equity (ytd only) | 16.8089% | 91 |
| Net charge-offs to loans | 0.6625% | 296 |
| Credit loss provision to net charge-offs | 142.1788% | 1,574 |
| Earnings coverage of net charge-offs (x) | 6.5524% | 2,693 |
| Efficiency ratio | 33.9587% | 5,714 |
| Assets per employee ($millions) | 13.0203% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 2,773 |
| Loan loss allowance to noncurrent loans | 211.8881% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5064% | 3,076 |
| Noncurrent loans to loans | 0.5838% | 2,979 |
| Net loans and leases to total assets | 85.6558% | 298 |
| Net loans and leases to deposits | 115.7509% | 161 |
| Net loans and leases to core deposits | 235.9942% | 35 |
| Total domestic deposits to total assets | 74.0001% | 5,292 |
| Equity capital to assets | 11.3376% | 2,462 |
| Core capital (leverage) ratio | 11.5163% | 1,958 |
| Tier 1 risk-based capital ratio | 12.5449% | 4,276 |
| Total risk-based capital ratio | 13.7309% | 4,209 |
| Memoranda: | ||
| Average total assets | $18,892,231,330 | 85 |
| Average earning assets | $17,772,866,000 | 80 |
| Average equity | $2,102,101,670 | 82 |
| Average total loans | $16,280,953,330 | 69 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4981% | 46 |
| Cost of funding earning assets | 1.4197% | 23 |
| Net interest margin | 6.0785% | 72 |
| Noninterest income to average assets | -0.0575% | 5,832 |
| Noninterest expense to average assets | 1.8132% | 5,356 |
| Loan and lease loss provision to assets | 0.5740% | 170 |
| Net operating income to assets | 2.1243% | 253 |
| Return on assets (ROA) | 2.1243% | 260 |
| Pretax return on assets | 3.2838% | 109 |
| Return on Equity (ROE) | 19.2808% | 264 |
| Retained earnings to average equity (ytd only) | 19.2808% | 117 |
| Net charge-offs to loans | 0.6088% | 292 |
| Credit loss provision to net charge-offs | 109.7677% | 1,479 |
| Earnings coverage of net charge-offs (x) | 7.3777% | 2,140 |
| Efficiency ratio | 31.9736% | 5,793 |
| Assets per employee ($millions) | 14.6363% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 3,609 |
| Loan loss allowance to noncurrent loans | 174.3748% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.5639% | 2,973 |
| Noncurrent loans to loans | 0.6405% | 2,904 |
| Net loans and leases to total assets | 87.0511% | 156 |
| Net loans and leases to deposits | 119.3265% | 96 |
| Net loans and leases to core deposits | 237.2609% | 34 |
| Total domestic deposits to total assets | 72.9520% | 5,494 |
| Equity capital to assets | 11.0960% | 2,535 |
| Core capital (leverage) ratio | 11.2023% | 2,186 |
| Tier 1 risk-based capital ratio | 12.2502% | 4,545 |
| Total risk-based capital ratio | 13.3335% | 4,557 |
| Memoranda: | ||
| Average total assets | $18,670,799,500 | 84 |
| Average earning assets | $17,595,747,000 | 80 |
| Average equity | $2,057,089,000 | 81 |
| Average total loans | $16,036,894,000 | 69 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0192% | 57 |
| Cost of funding earning assets | 1.2299% | 45 |
| Net interest margin | 5.7893% | 76 |
| Noninterest income to average assets | 0.0667% | 5,734 |
| Noninterest expense to average assets | 1.9791% | 5,228 |
| Loan and lease loss provision to assets | 0.9771% | 106 |
| Net operating income to assets | 1.5844% | 706 |
| Return on assets (ROA) | 1.5844% | 734 |
| Pretax return on assets | 2.5526% | 186 |
| Return on Equity (ROE) | 14.0128% | 771 |
| Retained earnings to average equity (ytd only) | 14.0128% | 129 |
| Net charge-offs to loans | 0.6354% | 353 |
| Credit loss provision to net charge-offs | 182.7884% | 1,536 |
| Earnings coverage of net charge-offs (x) | 6.6032% | 3,143 |
| Efficiency ratio | 35.9263% | 5,827 |
| Assets per employee ($millions) | 14.0447% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 3,096 |
| Loan loss allowance to noncurrent loans | 183.2388% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.5504% | 3,087 |
| Noncurrent loans to loans | 0.6578% | 2,883 |
| Net loans and leases to total assets | 82.6597% | 517 |
| Net loans and leases to deposits | 108.3396% | 265 |
| Net loans and leases to core deposits | 230.2960% | 33 |
| Total domestic deposits to total assets | 76.2968% | 5,214 |
| Equity capital to assets | 10.9363% | 2,678 |
| Core capital (leverage) ratio | 11.0823% | 2,271 |
| Tier 1 risk-based capital ratio | 12.5889% | 4,333 |
| Total risk-based capital ratio | 13.7555% | 4,265 |
| Memoranda: | ||
| Average total assets | $16,313,628,600 | 87 |
| Average earning assets | $15,335,467,200 | 85 |
| Average equity | $1,844,573,000 | 84 |
| Average total loans | $13,723,604,400 | 75 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9721% | 58 |
| Cost of funding earning assets | 1.1965% | 53 |
| Net interest margin | 5.7756% | 78 |
| Noninterest income to average assets | 0.1009% | 5,709 |
| Noninterest expense to average assets | 2.0258% | 5,151 |
| Loan and lease loss provision to assets | 0.9806% | 105 |
| Net operating income to assets | 1.5491% | 799 |
| Return on assets (ROA) | 1.5491% | 841 |
| Pretax return on assets | 2.5176% | 213 |
| Return on Equity (ROE) | 13.5720% | 898 |
| Retained earnings to average equity (ytd only) | 13.5720% | 192 |
| Net charge-offs to loans | 0.6402% | 316 |
| Credit loss provision to net charge-offs | 181.8020% | 1,546 |
| Earnings coverage of net charge-offs (x) | 6.4855% | 2,997 |
| Efficiency ratio | 36.6731% | 5,884 |
| Assets per employee ($millions) | 13.9733% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 3,808 |
| Loan loss allowance to noncurrent loans | 153.7362% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.6124% | 3,067 |
| Noncurrent loans to loans | 0.7184% | 2,878 |
| Net loans and leases to total assets | 84.3086% | 384 |
| Net loans and leases to deposits | 109.2877% | 271 |
| Net loans and leases to core deposits | 266.6881% | 33 |
| Total domestic deposits to total assets | 77.1438% | 5,056 |
| Equity capital to assets | 10.8585% | 3,191 |
| Core capital (leverage) ratio | 11.6349% | 1,932 |
| Tier 1 risk-based capital ratio | 12.3805% | 4,550 |
| Total risk-based capital ratio | 13.4486% | 4,567 |
| Memoranda: | ||
| Average total assets | $15,813,448,500 | 89 |
| Average earning assets | $14,848,405,250 | 87 |
| Average equity | $1,804,988,250 | 87 |
| Average total loans | $13,323,686,000 | 77 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0403% | 54 |
| Cost of funding earning assets | 1.1628% | 64 |
| Net interest margin | 5.8775% | 79 |
| Noninterest income to average assets | 0.1011% | 5,776 |
| Noninterest expense to average assets | 2.0307% | 5,210 |
| Loan and lease loss provision to assets | 0.9908% | 103 |
| Net operating income to assets | 1.5986% | 730 |
| Return on assets (ROA) | 1.5986% | 771 |
| Pretax return on assets | 2.5993% | 192 |
| Return on Equity (ROE) | 13.7490% | 876 |
| Retained earnings to average equity (ytd only) | 13.7490% | 200 |
| Net charge-offs to loans | 0.6743% | 304 |
| Credit loss provision to net charge-offs | 175.1826% | 1,429 |
| Earnings coverage of net charge-offs (x) | 6.3479% | 2,752 |
| Efficiency ratio | 36.1289% | 5,964 |
| Assets per employee ($millions) | 11.1588% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 4,039 |
| Loan loss allowance to noncurrent loans | 126.1062% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.7404% | 2,760 |
| Noncurrent loans to loans | 0.8582% | 2,592 |
| Net loans and leases to total assets | 85.3374% | 305 |
| Net loans and leases to deposits | 106.4543% | 351 |
| Net loans and leases to core deposits | 245.1885% | 33 |
| Total domestic deposits to total assets | 80.1634% | 4,503 |
| Equity capital to assets | 11.7880% | 2,277 |
| Core capital (leverage) ratio | 12.1988% | 1,515 |
| Tier 1 risk-based capital ratio | 13.4854% | 3,917 |
| Total risk-based capital ratio | 14.5382% | 3,944 |
| Memoranda: | ||
| Average total assets | $15,248,431,330 | 92 |
| Average earning assets | $14,320,132,000 | 89 |
| Average equity | $1,772,928,670 | 88 |
| Average total loans | $12,789,576,000 | 78 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0007% | 56 |
| Cost of funding earning assets | 1.1307% | 78 |
| Net interest margin | 5.8700% | 77 |
| Noninterest income to average assets | 0.0699% | 5,903 |
| Noninterest expense to average assets | 1.9673% | 5,403 |
| Loan and lease loss provision to assets | 0.9042% | 109 |
| Net operating income to assets | 1.6696% | 615 |
| Return on assets (ROA) | 1.6696% | 651 |
| Pretax return on assets | 2.7264% | 167 |
| Return on Equity (ROE) | 14.4628% | 753 |
| Retained earnings to average equity (ytd only) | 14.4628% | 284 |
| Net charge-offs to loans | 0.6540% | 330 |
| Credit loss provision to net charge-offs | 167.3034% | 1,199 |
| Earnings coverage of net charge-offs (x) | 6.7177% | 2,218 |
| Efficiency ratio | 35.1439% | 6,032 |
| Assets per employee ($millions) | 13.4344% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9539% | 4,825 |
| Loan loss allowance to noncurrent loans | 101.6907% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 0.8185% | 2,643 |
| Noncurrent loans to loans | 0.9381% | 2,504 |
| Net loans and leases to total assets | 86.4246% | 198 |
| Net loans and leases to deposits | 109.2778% | 241 |
| Net loans and leases to core deposits | 258.1204% | 32 |
| Total domestic deposits to total assets | 79.0871% | 4,946 |
| Equity capital to assets | 11.6750% | 2,267 |
| Core capital (leverage) ratio | 11.8590% | 1,702 |
| Tier 1 risk-based capital ratio | 13.4257% | 4,029 |
| Total risk-based capital ratio | 14.3684% | 4,106 |
| Memoranda: | ||
| Average total assets | $15,111,675,000 | 92 |
| Average earning assets | $14,231,253,500 | 90 |
| Average equity | $1,744,528,000 | 90 |
| Average total loans | $12,488,889,000 | 79 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5275% | 75 |
| Cost of funding earning assets | 1.0239% | 151 |
| Net interest margin | 5.5037% | 118 |
| Noninterest income to average assets | 1.0922% | 984 |
| Noninterest expense to average assets | 2.1185% | 5,218 |
| Loan and lease loss provision to assets | 0.6540% | 155 |
| Net operating income to assets | 2.1780% | 258 |
| Return on assets (ROA) | 2.1784% | 265 |
| Pretax return on assets | 3.4846% | 88 |
| Return on Equity (ROE) | 18.9262% | 317 |
| Retained earnings to average equity (ytd only) | 18.9262% | 71 |
| Net charge-offs to loans | 0.5439% | 468 |
| Credit loss provision to net charge-offs | 148.0255% | 1,796 |
| Earnings coverage of net charge-offs (x) | 9.3661% | 2,827 |
| Efficiency ratio | 33.8619% | 6,122 |
| Assets per employee ($millions) | 11.5725% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 4,820 |
| Loan loss allowance to noncurrent loans | 73.7079% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.0138% | 2,164 |
| Noncurrent loans to loans | 1.2998% | 1,815 |
| Net loans and leases to total assets | 77.2495% | 1,219 |
| Net loans and leases to deposits | 96.6533% | 944 |
| Net loans and leases to core deposits | 232.7753% | 36 |
| Total domestic deposits to total assets | 79.9243% | 4,763 |
| Equity capital to assets | 11.4125% | 2,435 |
| Core capital (leverage) ratio | 12.3005% | 1,454 |
| Tier 1 risk-based capital ratio | 14.4223% | 3,481 |
| Total risk-based capital ratio | 15.3721% | 3,564 |
| Memoranda: | ||
| Average total assets | $13,509,803,200 | 96 |
| Average earning assets | $12,676,458,800 | 93 |
| Average equity | $1,554,991,400 | 96 |
| Average total loans | $10,972,765,800 | 83 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5517% | 76 |
| Cost of funding earning assets | 1.0291% | 156 |
| Net interest margin | 5.5226% | 123 |
| Noninterest income to average assets | 0.8835% | 1,502 |
| Noninterest expense to average assets | 2.2109% | 5,028 |
| Loan and lease loss provision to assets | 0.6063% | 149 |
| Net operating income to assets | 2.0462% | 336 |
| Return on assets (ROA) | 2.0468% | 350 |
| Pretax return on assets | 3.2395% | 104 |
| Return on Equity (ROE) | 17.7397% | 421 |
| Retained earnings to average equity (ytd only) | 17.7397% | 92 |
| Net charge-offs to loans | 0.4862% | 501 |
| Credit loss provision to net charge-offs | 151.7920% | 1,658 |
| Earnings coverage of net charge-offs (x) | 9.6262% | 2,681 |
| Efficiency ratio | 36.5093% | 6,180 |
| Assets per employee ($millions) | 10.8216% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8674% | 5,309 |
| Loan loss allowance to noncurrent loans | 67.7228% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 1.0788% | 2,205 |
| Noncurrent loans to loans | 1.2808% | 1,997 |
| Net loans and leases to total assets | 83.4975% | 426 |
| Net loans and leases to deposits | 106.8667% | 336 |
| Net loans and leases to core deposits | 275.9999% | 31 |
| Total domestic deposits to total assets | 78.1324% | 5,158 |
| Equity capital to assets | 11.3281% | 2,669 |
| Core capital (leverage) ratio | 12.1517% | 1,591 |
| Tier 1 risk-based capital ratio | 13.2553% | 4,288 |
| Total risk-based capital ratio | 14.0979% | 4,438 |
| Memoranda: | ||
| Average total assets | $13,123,282,750 | 98 |
| Average earning assets | $12,290,621,750 | 97 |
| Average equity | $1,514,175,250 | 101 |
| Average total loans | $10,780,181,250 | 85 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6470% | 73 |
| Cost of funding earning assets | 1.0224% | 159 |
| Net interest margin | 5.6245% | 106 |
| Noninterest income to average assets | 1.3339% | 687 |
| Noninterest expense to average assets | 2.2017% | 5,110 |
| Loan and lease loss provision to assets | 0.5050% | 193 |
| Net operating income to assets | 2.4090% | 192 |
| Return on assets (ROA) | 2.4100% | 200 |
| Pretax return on assets | 3.8968% | 83 |
| Return on Equity (ROE) | 20.7462% | 239 |
| Retained earnings to average equity (ytd only) | 20.7462% | 72 |
| Net charge-offs to loans | 0.4658% | 545 |
| Credit loss provision to net charge-offs | 133.2229% | 1,667 |
| Earnings coverage of net charge-offs (x) | 11.6086% | 2,279 |
| Efficiency ratio | 33.3489% | 6,277 |
| Assets per employee ($millions) | 8.6819% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8737% | 5,394 |
| Loan loss allowance to noncurrent loans | 61.2861% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 1.1850% | 2,144 |
| Noncurrent loans to loans | 1.4256% | 1,878 |
| Net loans and leases to total assets | 82.3976% | 517 |
| Net loans and leases to deposits | 95.3952% | 1,010 |
| Net loans and leases to core deposits | 240.8520% | 36 |
| Total domestic deposits to total assets | 86.3750% | 2,497 |
| Equity capital to assets | 12.4598% | 1,682 |
| Core capital (leverage) ratio | 12.5066% | 1,379 |
| Tier 1 risk-based capital ratio | 15.1599% | 3,270 |
| Total risk-based capital ratio | 16.0371% | 3,412 |
| Memoranda: | ||
| Average total assets | $12,743,416,000 | 101 |
| Average earning assets | $11,935,682,330 | 99 |
| Average equity | $1,480,327,000 | 105 |
| Average total loans | $10,369,124,670 | 88 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6702% | 71 |
| Cost of funding earning assets | 1.0220% | 162 |
| Net interest margin | 5.6482% | 98 |
| Noninterest income to average assets | 0.1369% | 5,922 |
| Noninterest expense to average assets | 2.0932% | 5,399 |
| Loan and lease loss provision to assets | 0.5197% | 193 |
| Net operating income to assets | 1.7519% | 528 |
| Return on assets (ROA) | 1.7519% | 559 |
| Pretax return on assets | 2.8133% | 157 |
| Return on Equity (ROE) | 15.6430% | 609 |
| Retained earnings to average equity (ytd only) | 15.6430% | 235 |
| Net charge-offs to loans | 0.4140% | 589 |
| Credit loss provision to net charge-offs | 155.9497% | 1,222 |
| Earnings coverage of net charge-offs (x) | 10.0014% | 1,965 |
| Efficiency ratio | 38.5760% | 6,292 |
| Assets per employee ($millions) | 11.5358% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8165% | 5,654 |
| Loan loss allowance to noncurrent loans | 54.2701% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 1.2958% | 2,049 |
| Noncurrent loans to loans | 1.5045% | 1,880 |
| Net loans and leases to total assets | 85.4262% | 224 |
| Net loans and leases to deposits | 97.8260% | 685 |
| Net loans and leases to core deposits | 237.2947% | 39 |
| Total domestic deposits to total assets | 87.3247% | 2,202 |
| Equity capital to assets | 11.4507% | 2,513 |
| Core capital (leverage) ratio | 11.5592% | 1,954 |
| Tier 1 risk-based capital ratio | 13.5747% | 4,288 |
| Total risk-based capital ratio | 14.3968% | 4,439 |
| Memoranda: | ||
| Average total assets | $12,790,351,500 | 101 |
| Average earning assets | $11,977,437,000 | 100 |
| Average equity | $1,432,433,500 | 106 |
| Average total loans | $10,296,295,000 | 87 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2290% | 117 |
| Cost of funding earning assets | 0.8956% | 399 |
| Net interest margin | 5.3334% | 171 |
| Noninterest income to average assets | 1.0606% | 1,079 |
| Noninterest expense to average assets | 2.1968% | 5,364 |
| Loan and lease loss provision to assets | 0.7529% | 167 |
| Net operating income to assets | 1.8402% | 439 |
| Return on assets (ROA) | 1.8402% | 455 |
| Pretax return on assets | 3.1584% | 96 |
| Return on Equity (ROE) | 15.8799% | 633 |
| Retained earnings to average equity (ytd only) | 15.8799% | 127 |
| Net charge-offs to loans | 0.7825% | 453 |
| Credit loss provision to net charge-offs | 122.5906% | 1,952 |
| Earnings coverage of net charge-offs (x) | 6.3688% | 3,214 |
| Efficiency ratio | 35.9651% | 6,439 |
| Assets per employee ($millions) | 11.0723% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8739% | 5,549 |
| Loan loss allowance to noncurrent loans | 38.1726% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 1.7145% | 1,558 |
| Noncurrent loans to loans | 2.2894% | 1,141 |
| Net loans and leases to total assets | 74.2348% | 1,548 |
| Net loans and leases to deposits | 84.4806% | 2,158 |
| Net loans and leases to core deposits | 208.9138% | 43 |
| Total domestic deposits to total assets | 87.8720% | 1,835 |
| Equity capital to assets | 10.9487% | 2,948 |
| Core capital (leverage) ratio | 11.5013% | 1,968 |
| Tier 1 risk-based capital ratio | 15.0119% | 3,481 |
| Total risk-based capital ratio | 15.9020% | 3,623 |
| Memoranda: | ||
| Average total assets | $11,360,301,600 | 107 |
| Average earning assets | $10,751,355,400 | 102 |
| Average equity | $1,316,430,200 | 108 |
| Average total loans | $8,916,304,000 | 93 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2959% | 112 |
| Cost of funding earning assets | 0.8709% | 483 |
| Net interest margin | 5.4250% | 153 |
| Noninterest income to average assets | 1.4372% | 611 |
| Noninterest expense to average assets | 2.2345% | 5,272 |
| Loan and lease loss provision to assets | 0.6676% | 191 |
| Net operating income to assets | 2.2757% | 201 |
| Return on assets (ROA) | 2.2757% | 207 |
| Pretax return on assets | 3.6816% | 77 |
| Return on Equity (ROE) | 19.3280% | 322 |
| Retained earnings to average equity (ytd only) | 19.3280% | 79 |
| Net charge-offs to loans | 0.8755% | 375 |
| Credit loss provision to net charge-offs | 95.8807% | 2,322 |
| Earnings coverage of net charge-offs (x) | 6.2459% | 3,115 |
| Efficiency ratio | 33.9397% | 6,522 |
| Assets per employee ($millions) | 13.4086% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7173% | 6,067 |
| Loan loss allowance to noncurrent loans | 30.0977% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 1.9023% | 1,541 |
| Noncurrent loans to loans | 2.3833% | 1,248 |
| Net loans and leases to total assets | 79.2434% | 802 |
| Net loans and leases to deposits | 93.4226% | 1,086 |
| Net loans and leases to core deposits | 202.5675% | 43 |
| Total domestic deposits to total assets | 84.8225% | 3,410 |
| Equity capital to assets | 12.0866% | 1,984 |
| Core capital (leverage) ratio | 12.2840% | 1,526 |
| Tier 1 risk-based capital ratio | 15.7227% | 3,199 |
| Total risk-based capital ratio | 16.4665% | 3,408 |
| Memoranda: | ||
| Average total assets | $10,997,727,750 | 108 |
| Average earning assets | $10,433,254,000 | 104 |
| Average equity | $1,294,889,000 | 109 |
| Average total loans | $8,746,938,250 | 94 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3283% | 101 |
| Cost of funding earning assets | 0.8501% | 554 |
| Net interest margin | 5.4782% | 137 |
| Noninterest income to average assets | 0.5055% | 3,442 |
| Noninterest expense to average assets | 1.9895% | 5,856 |
| Loan and lease loss provision to assets | 0.7414% | 174 |
| Net operating income to assets | 1.8314% | 463 |
| Return on assets (ROA) | 1.8314% | 479 |
| Pretax return on assets | 2.9860% | 118 |
| Return on Equity (ROE) | 15.7017% | 683 |
| Retained earnings to average equity (ytd only) | 15.7017% | 183 |
| Net charge-offs to loans | 1.1088% | 293 |
| Credit loss provision to net charge-offs | 84.1725% | 2,277 |
| Earnings coverage of net charge-offs (x) | 4.2320% | 3,150 |
| Efficiency ratio | 34.8006% | 6,582 |
| Assets per employee ($millions) | 11.1022% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6836% | 6,200 |
| Loan loss allowance to noncurrent loans | 27.0228% | 5,853 |
| Noncurrent assets plus other real estate owned to assets | 2.0134% | 1,589 |
| Noncurrent loans to loans | 2.5296% | 1,223 |
| Net loans and leases to total assets | 79.0507% | 792 |
| Net loans and leases to deposits | 92.1217% | 1,135 |
| Net loans and leases to core deposits | 193.6932% | 44 |
| Total domestic deposits to total assets | 85.8111% | 3,143 |
| Equity capital to assets | 11.6053% | 2,321 |
| Core capital (leverage) ratio | 11.6348% | 1,893 |
| Tier 1 risk-based capital ratio | 15.2197% | 3,517 |
| Total risk-based capital ratio | 15.9331% | 3,772 |
| Memoranda: | ||
| Average total assets | $10,837,711,670 | 107 |
| Average earning assets | $10,309,831,000 | 104 |
| Average equity | $1,264,095,000 | 109 |
| Average total loans | $8,608,886,330 | 95 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0878% | 129 |
| Cost of funding earning assets | 0.8854% | 491 |
| Net interest margin | 5.2024% | 183 |
| Noninterest income to average assets | 0.9475% | 1,265 |
| Noninterest expense to average assets | 0.6242% | 6,710 |
| Loan and lease loss provision to assets | 1.4647% | 69 |
| Net operating income to assets | 2.3773% | 182 |
| Return on assets (ROA) | 2.3773% | 192 |
| Pretax return on assets | 3.8378% | 91 |
| Return on Equity (ROE) | 20.3290% | 270 |
| Retained earnings to average equity (ytd only) | 20.3290% | 113 |
| Net charge-offs to loans | 1.3955% | 230 |
| Credit loss provision to net charge-offs | 132.2671% | 1,367 |
| Earnings coverage of net charge-offs (x) | 4.7884% | 2,473 |
| Efficiency ratio | 10.5323% | 6,722 |
| Assets per employee ($millions) | 39.5701% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8793% | 5,929 |
| Loan loss allowance to noncurrent loans | 37.0761% | 5,651 |
| Noncurrent assets plus other real estate owned to assets | 1.9745% | 1,738 |
| Noncurrent loans to loans | 2.3717% | 1,487 |
| Net loans and leases to total assets | 82.5213% | 326 |
| Net loans and leases to deposits | 96.2245% | 643 |
| Net loans and leases to core deposits | 244.8507% | 37 |
| Total domestic deposits to total assets | 85.7591% | 3,490 |
| Equity capital to assets | 12.0971% | 1,810 |
| Core capital (leverage) ratio | 11.8354% | 1,740 |
| Tier 1 risk-based capital ratio | 15.5710% | 3,400 |
| Total risk-based capital ratio | 16.5117% | 3,527 |
| Memoranda: | ||
| Average total assets | $10,694,344,000 | 107 |
| Average earning assets | $10,235,489,500 | 104 |
| Average equity | $1,250,630,000 | 111 |
| Average total loans | $8,486,089,500 | 93 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7757% | 236 |
| Cost of funding earning assets | 0.9554% | 564 |
| Net interest margin | 4.8203% | 412 |
| Noninterest income to average assets | 1.7977% | 463 |
| Noninterest expense to average assets | 0.5850% | 6,783 |
| Loan and lease loss provision to assets | 0.7198% | 316 |
| Net operating income to assets | 3.1463% | 98 |
| Return on assets (ROA) | 3.5703% | 76 |
| Pretax return on assets | 5.7853% | 46 |
| Return on Equity (ROE) | 31.0590% | 67 |
| Retained earnings to average equity (ytd only) | 20.2218% | 81 |
| Net charge-offs to loans | 0.9766% | 608 |
| Credit loss provision to net charge-offs | 98.4272% | 2,524 |
| Earnings coverage of net charge-offs (x) | 7.9891% | 2,753 |
| Efficiency ratio | 9.1017% | 6,805 |
| Assets per employee ($millions) | 245.0886% | 9 |
| Cash dividends to net income (ytd only)* | 34.8922% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8360% | 6,089 |
| Loan loss allowance to noncurrent loans | 30.5140% | 5,931 |
| Noncurrent assets plus other real estate owned to assets | 2.0690% | 1,731 |
| Noncurrent loans to loans | 2.7398% | 1,311 |
| Net loans and leases to total assets | 74.8825% | 1,237 |
| Net loans and leases to deposits | 86.8800% | 1,589 |
| Net loans and leases to core deposits | 240.8973% | 38 |
| Total domestic deposits to total assets | 86.1907% | 3,161 |
| Equity capital to assets | 11.2983% | 2,343 |
| Core capital (leverage) ratio | 11.7417% | 1,797 |
| Tier 1 risk-based capital ratio | 16.3461% | 2,936 |
| Total risk-based capital ratio | 17.2572% | 3,049 |
| Memoranda: | ||
| Average total assets | $9,632,772,600 | 114 |
| Average earning assets | $9,252,270,600 | 109 |
| Average equity | $1,107,300,600 | 114 |
| Average total loans | $7,213,435,800 | 102 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8485% | 222 |
| Cost of funding earning assets | 0.9679% | 580 |
| Net interest margin | 4.8806% | 379 |
| Noninterest income to average assets | 2.4488% | 299 |
| Noninterest expense to average assets | 0.4749% | 6,866 |
| Loan and lease loss provision to assets | 0.5719% | 440 |
| Net operating income to assets | 3.7739% | 68 |
| Return on assets (ROA) | 3.7739% | 67 |
| Pretax return on assets | 6.0898% | 45 |
| Return on Equity (ROE) | 32.6689% | 55 |
| Retained earnings to average equity (ytd only) | 17.8480% | 111 |
| Net charge-offs to loans | 0.9490% | 606 |
| Credit loss provision to net charge-offs | 80.6686% | 2,833 |
| Earnings coverage of net charge-offs (x) | 9.3972% | 2,486 |
| Efficiency ratio | 6.6543% | 6,885 |
| Assets per employee ($millions) | 231.4630% | 10 |
| Cash dividends to net income (ytd only)* | 45.3671% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7866% | 6,308 |
| Loan loss allowance to noncurrent loans | 30.5644% | 5,971 |
| Noncurrent assets plus other real estate owned to assets | 2.0053% | 2,013 |
| Noncurrent loans to loans | 2.5735% | 1,664 |
| Net loans and leases to total assets | 77.3103% | 833 |
| Net loans and leases to deposits | 93.0463% | 896 |
| Net loans and leases to core deposits | 228.2323% | 39 |
| Total domestic deposits to total assets | 83.0880% | 4,541 |
| Equity capital to assets | 12.1590% | 1,814 |
| Core capital (leverage) ratio | 12.1505% | 1,587 |
| Tier 1 risk-based capital ratio | 15.4326% | 3,504 |
| Total risk-based capital ratio | 16.2378% | 3,708 |
| Memoranda: | ||
| Average total assets | $9,344,990,750 | 118 |
| Average earning assets | $8,975,633,750 | 110 |
| Average equity | $1,079,527,750 | 119 |
| Average total loans | $6,980,962,000 | 104 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8807% | 215 |
| Cost of funding earning assets | 0.9985% | 546 |
| Net interest margin | 4.8821% | 382 |
| Noninterest income to average assets | 2.8811% | 270 |
| Noninterest expense to average assets | 0.4772% | 6,918 |
| Loan and lease loss provision to assets | 0.4269% | 704 |
| Net operating income to assets | 4.1370% | 55 |
| Return on assets (ROA) | 4.1370% | 59 |
| Pretax return on assets | 6.6690% | 40 |
| Return on Equity (ROE) | 36.4862% | 40 |
| Retained earnings to average equity (ytd only) | 13.5276% | 336 |
| Net charge-offs to loans | 0.9843% | 620 |
| Credit loss provision to net charge-offs | 58.9449% | 3,041 |
| Earnings coverage of net charge-offs (x) | 9.7987% | 2,236 |
| Efficiency ratio | 6.3008% | 6,931 |
| Assets per employee ($millions) | 212.1520% | 10 |
| Cash dividends to net income (ytd only)* | 62.9241% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8356% | 6,288 |
| Loan loss allowance to noncurrent loans | 32.4844% | 5,931 |
| Noncurrent assets plus other real estate owned to assets | 1.8723% | 2,310 |
| Noncurrent loans to loans | 2.5723% | 1,787 |
| Net loans and leases to total assets | 72.1791% | 1,549 |
| Net loans and leases to deposits | 86.2542% | 1,552 |
| Net loans and leases to core deposits | 223.8200% | 38 |
| Total domestic deposits to total assets | 83.6818% | 4,464 |
| Equity capital to assets | 12.1237% | 1,834 |
| Core capital (leverage) ratio | 11.5448% | 1,899 |
| Tier 1 risk-based capital ratio | 16.2647% | 3,063 |
| Total risk-based capital ratio | 17.1096% | 3,228 |
| Memoranda: | ||
| Average total assets | $9,219,505,000 | 119 |
| Average earning assets | $8,860,195,330 | 111 |
| Average equity | $1,045,359,000 | 122 |
| Average total loans | $6,782,861,330 | 104 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0394% | 157 |
| Cost of funding earning assets | 1.0189% | 555 |
| Net interest margin | 5.0205% | 290 |
| Noninterest income to average assets | 3.0378% | 244 |
| Noninterest expense to average assets | 0.4775% | 6,997 |
| Loan and lease loss provision to assets | 0.8931% | 221 |
| Net operating income to assets | 4.0282% | 59 |
| Return on assets (ROA) | 4.0282% | 63 |
| Pretax return on assets | 6.4945% | 47 |
| Return on Equity (ROE) | 36.7802% | 44 |
| Retained earnings to average equity (ytd only) | -10.5083% | 6,635 |
| Net charge-offs to loans | 1.1847% | 493 |
| Credit loss provision to net charge-offs | 101.9260% | 1,800 |
| Earnings coverage of net charge-offs (x) | 8.4316% | 1,947 |
| Efficiency ratio | 6.0713% | 7,011 |
| Assets per employee ($millions) | 229.7694% | 10 |
| Cash dividends to net income (ytd only)* | 128.5705% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9838% | 6,039 |
| Loan loss allowance to noncurrent loans | 42.1123% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 1.7539% | 2,663 |
| Noncurrent loans to loans | 2.3362% | 2,239 |
| Net loans and leases to total assets | 74.3341% | 1,031 |
| Net loans and leases to deposits | 87.0713% | 1,242 |
| Net loans and leases to core deposits | 239.7577% | 39 |
| Total domestic deposits to total assets | 85.3715% | 3,862 |
| Equity capital to assets | 10.8092% | 3,192 |
| Core capital (leverage) ratio | 10.3572% | 2,956 |
| Tier 1 risk-based capital ratio | 13.7795% | 4,666 |
| Total risk-based capital ratio | 14.7671% | 4,819 |
| Memoranda: | ||
| Average total assets | $9,267,990,500 | 122 |
| Average earning assets | $8,911,377,000 | 113 |
| Average equity | $1,015,046,000 | 127 |
| Average total loans | $6,854,269,500 | 105 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6341% | 113 |
| Cost of funding earning assets | 1.1142% | 858 |
| Net interest margin | 5.5199% | 166 |
| Noninterest income to average assets | 3.0926% | 245 |
| Noninterest expense to average assets | 0.5144% | 7,040 |
| Loan and lease loss provision to assets | 0.8582% | 539 |
| Net operating income to assets | 4.3440% | 51 |
| Return on assets (ROA) | 4.3451% | 52 |
| Pretax return on assets | 7.0116% | 41 |
| Return on Equity (ROE) | 32.4537% | 51 |
| Retained earnings to average equity (ytd only) | -8.2633% | 6,586 |
| Net charge-offs to loans | 1.1186% | 935 |
| Credit loss provision to net charge-offs | 99.5423% | 3,115 |
| Earnings coverage of net charge-offs (x) | 9.1266% | 2,305 |
| Efficiency ratio | 6.1367% | 7,072 |
| Assets per employee ($millions) | 227.8859% | 12 |
| Cash dividends to net income (ytd only)* | 125.4619% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0426% | 5,798 |
| Loan loss allowance to noncurrent loans | 47.2809% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 1.6054% | 2,985 |
| Noncurrent loans to loans | 2.2051% | 2,455 |
| Net loans and leases to total assets | 72.0436% | 1,482 |
| Net loans and leases to deposits | 84.1931% | 1,733 |
| Net loans and leases to core deposits | 254.6345% | 41 |
| Total domestic deposits to total assets | 85.5695% | 3,579 |
| Equity capital to assets | 11.1000% | 2,835 |
| Core capital (leverage) ratio | 11.5360% | 1,854 |
| Tier 1 risk-based capital ratio | 15.0326% | 3,702 |
| Total risk-based capital ratio | 16.0753% | 3,773 |
| Memoranda: | ||
| Average total assets | $7,704,418,800 | 131 |
| Average earning assets | $7,383,359,400 | 126 |
| Average equity | $1,031,508,600 | 126 |
| Average total loans | $5,937,778,000 | 111 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9738% | 82 |
| Cost of funding earning assets | 1.1396% | 905 |
| Net interest margin | 5.8342% | 112 |
| Noninterest income to average assets | 2.8829% | 264 |
| Noninterest expense to average assets | 0.5310% | 7,153 |
| Loan and lease loss provision to assets | 0.7088% | 717 |
| Net operating income to assets | 4.4831% | 54 |
| Return on assets (ROA) | 4.4846% | 54 |
| Pretax return on assets | 7.2319% | 40 |
| Return on Equity (ROE) | 31.8101% | 60 |
| Retained earnings to average equity (ytd only) | -12.5718% | 6,866 |
| Net charge-offs to loans | 1.2269% | 790 |
| Credit loss provision to net charge-offs | 73.6927% | 3,803 |
| Earnings coverage of net charge-offs (x) | 8.2538% | 2,477 |
| Efficiency ratio | 6.2702% | 7,171 |
| Assets per employee ($millions) | 214.2258% | 14 |
| Cash dividends to net income (ytd only)* | 139.5213% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8882% | 6,412 |
| Loan loss allowance to noncurrent loans | 78.3739% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 0.9189% | 4,441 |
| Noncurrent loans to loans | 1.1333% | 4,163 |
| Net loans and leases to total assets | 80.3610% | 479 |
| Net loans and leases to deposits | 98.0772% | 536 |
| Net loans and leases to core deposits | 293.6591% | 40 |
| Total domestic deposits to total assets | 81.9364% | 5,051 |
| Equity capital to assets | 12.9121% | 1,639 |
| Core capital (leverage) ratio | 13.7781% | 911 |
| Tier 1 risk-based capital ratio | 14.8263% | 3,959 |
| Total risk-based capital ratio | 15.6623% | 4,218 |
| Memoranda: | ||
| Average total assets | $7,351,664,500 | 134 |
| Average earning assets | $7,039,384,500 | 130 |
| Average equity | $1,036,433,000 | 124 |
| Average total loans | $5,763,153,000 | 112 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4704% | 61 |
| Cost of funding earning assets | 1.2216% | 744 |
| Net interest margin | 6.2489% | 76 |
| Noninterest income to average assets | 3.3449% | 218 |
| Noninterest expense to average assets | 0.5498% | 7,216 |
| Loan and lease loss provision to assets | 1.2281% | 334 |
| Net operating income to assets | 4.6836% | 50 |
| Return on assets (ROA) | 4.6836% | 52 |
| Pretax return on assets | 7.5544% | 38 |
| Return on Equity (ROE) | 32.2573% | 66 |
| Retained earnings to average equity (ytd only) | -19.1724% | 7,003 |
| Net charge-offs to loans | 1.9769% | 429 |
| Credit loss provision to net charge-offs | 80.2211% | 3,316 |
| Earnings coverage of net charge-offs (x) | 5.7370% | 2,767 |
| Efficiency ratio | 5.8913% | 7,234 |
| Assets per employee ($millions) | 175.3276% | 13 |
| Cash dividends to net income (ytd only)* | 159.4360% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1015% | 5,767 |
| Loan loss allowance to noncurrent loans | 163.9319% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.5505% | 5,387 |
| Noncurrent loans to loans | 0.6719% | 5,160 |
| Net loans and leases to total assets | 81.0278% | 399 |
| Net loans and leases to deposits | 101.8913% | 345 |
| Net loans and leases to core deposits | 255.1372% | 42 |
| Total domestic deposits to total assets | 79.5238% | 5,856 |
| Equity capital to assets | 15.2254% | 729 |
| Core capital (leverage) ratio | 13.7657% | 878 |
| Tier 1 risk-based capital ratio | 17.3304% | 2,535 |
| Total risk-based capital ratio | 18.3715% | 2,579 |
| Memoranda: | ||
| Average total assets | $7,231,509,330 | 135 |
| Average earning assets | $6,928,861,670 | 130 |
| Average equity | $1,049,977,000 | 123 |
| Average total loans | $5,599,842,330 | 116 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3784% | 75 |
| Cost of funding earning assets | 1.2886% | 659 |
| Net interest margin | 6.0899% | 94 |
| Noninterest income to average assets | 0.0946% | 6,775 |
| Noninterest expense to average assets | 0.5722% | 7,280 |
| Loan and lease loss provision to assets | 0.7123% | 726 |
| Net operating income to assets | 2.8867% | 113 |
| Return on assets (ROA) | 2.8867% | 137 |
| Pretax return on assets | 4.6559% | 65 |
| Return on Equity (ROE) | 20.3026% | 372 |
| Retained earnings to average equity (ytd only) | 1.8033% | 5,345 |
| Net charge-offs to loans | 1.2080% | 851 |
| Credit loss provision to net charge-offs | 78.0821% | 2,764 |
| Earnings coverage of net charge-offs (x) | 5.8844% | 2,286 |
| Efficiency ratio | 9.6321% | 7,293 |
| Assets per employee ($millions) | 199.8267% | 14 |
| Cash dividends to net income (ytd only)* | 91.1178% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 5,991 |
| Loan loss allowance to noncurrent loans | 580.4807% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.1490% | 6,512 |
| Noncurrent loans to loans | 0.1851% | 6,314 |
| Net loans and leases to total assets | 79.6633% | 441 |
| Net loans and leases to deposits | 97.2378% | 471 |
| Net loans and leases to core deposits | 278.9158% | 40 |
| Total domestic deposits to total assets | 81.9263% | 5,325 |
| Equity capital to assets | 14.3865% | 898 |
| Core capital (leverage) ratio | 14.1831% | 755 |
| Tier 1 risk-based capital ratio | 16.7159% | 2,803 |
| Total risk-based capital ratio | 17.7256% | 2,890 |
| Memoranda: | ||
| Average total assets | $7,603,703,500 | 132 |
| Average earning assets | $7,299,007,000 | 125 |
| Average equity | $1,081,121,500 | 119 |
| Average total loans | $5,742,304,000 | 111 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8167% | 122 |
| Cost of funding earning assets | 1.5107% | 686 |
| Net interest margin | 5.3060% | 237 |
| Noninterest income to average assets | 0.4751% | 4,031 |
| Noninterest expense to average assets | 0.5125% | 7,328 |
| Loan and lease loss provision to assets | 1.1763% | 754 |
| Net operating income to assets | 2.4040% | 159 |
| Return on assets (ROA) | 2.4040% | 166 |
| Pretax return on assets | 3.8713% | 77 |
| Return on Equity (ROE) | 16.4729% | 540 |
| Retained earnings to average equity (ytd only) | 7.0279% | 1,491 |
| Net charge-offs to loans | 1.3169% | 1,251 |
| Credit loss provision to net charge-offs | 129.7236% | 2,362 |
| Earnings coverage of net charge-offs (x) | 5.5664% | 2,752 |
| Efficiency ratio | 9.2179% | 7,348 |
| Assets per employee ($millions) | 190.3498% | 16 |
| Cash dividends to net income (ytd only)* | 57.3368% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 4,931 |
| Loan loss allowance to noncurrent loans | 775.8513% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 6,664 |
| Noncurrent loans to loans | 0.1668% | 6,418 |
| Net loans and leases to total assets | 69.6121% | 2,109 |
| Net loans and leases to deposits | 83.7914% | 1,951 |
| Net loans and leases to core deposits | 264.3811% | 47 |
| Total domestic deposits to total assets | 83.0778% | 4,718 |
| Equity capital to assets | 14.0507% | 1,042 |
| Core capital (leverage) ratio | 14.8748% | 626 |
| Tier 1 risk-based capital ratio | 18.2934% | 2,108 |
| Total risk-based capital ratio | 19.4824% | 2,091 |
| Memoranda: | ||
| Average total assets | $7,254,840,400 | 134 |
| Average earning assets | $6,952,608,400 | 128 |
| Average equity | $1,058,757,800 | 119 |
| Average total loans | $4,995,703,200 | 123 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7689% | 138 |
| Cost of funding earning assets | 1.5693% | 667 |
| Net interest margin | 5.1996% | 290 |
| Noninterest income to average assets | 0.4876% | 3,973 |
| Noninterest expense to average assets | 0.5265% | 7,409 |
| Loan and lease loss provision to assets | 1.1837% | 666 |
| Net operating income to assets | 2.3308% | 198 |
| Return on assets (ROA) | 2.3308% | 215 |
| Pretax return on assets | 3.7565% | 96 |
| Return on Equity (ROE) | 15.8146% | 706 |
| Retained earnings to average equity (ytd only) | 15.8146% | 187 |
| Net charge-offs to loans | 1.3944% | 1,081 |
| Credit loss provision to net charge-offs | 124.0754% | 2,593 |
| Earnings coverage of net charge-offs (x) | 5.1783% | 2,856 |
| Efficiency ratio | 9.6311% | 7,420 |
| Assets per employee ($millions) | 193.9938% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 5,507 |
| Loan loss allowance to noncurrent loans | 701.0581% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.1238% | 6,734 |
| Noncurrent loans to loans | 0.1699% | 6,526 |
| Net loans and leases to total assets | 71.9890% | 1,702 |
| Net loans and leases to deposits | 89.9362% | 1,219 |
| Net loans and leases to core deposits | 270.0007% | 45 |
| Total domestic deposits to total assets | 80.0445% | 5,720 |
| Equity capital to assets | 15.8412% | 660 |
| Core capital (leverage) ratio | 16.4188% | 454 |
| Tier 1 risk-based capital ratio | 20.2814% | 1,624 |
| Total risk-based capital ratio | 21.4148% | 1,615 |
| Memoranda: | ||
| Average total assets | $7,165,052,750 | 136 |
| Average earning assets | $6,861,123,000 | 132 |
| Average equity | $1,055,992,250 | 120 |
| Average total loans | $4,902,191,500 | 124 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9282% | 114 |
| Cost of funding earning assets | 1.6724% | 522 |
| Net interest margin | 5.2558% | 256 |
| Noninterest income to average assets | 0.6019% | 3,127 |
| Noninterest expense to average assets | 0.5428% | 7,486 |
| Loan and lease loss provision to assets | 1.6852% | 401 |
| Net operating income to assets | 2.1114% | 296 |
| Return on assets (ROA) | 2.1114% | 305 |
| Pretax return on assets | 3.4079% | 115 |
| Return on Equity (ROE) | 14.6937% | 856 |
| Retained earnings to average equity (ytd only) | 14.6937% | 266 |
| Net charge-offs to loans | 1.6583% | 877 |
| Credit loss provision to net charge-offs | 151.8243% | 2,016 |
| Earnings coverage of net charge-offs (x) | 4.5884% | 2,821 |
| Efficiency ratio | 9.6318% | 7,496 |
| Assets per employee ($millions) | 171.6973% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6312% | 3,577 |
| Loan loss allowance to noncurrent loans | 1,061.7793% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 6,839 |
| Noncurrent loans to loans | 0.1536% | 6,598 |
| Net loans and leases to total assets | 65.1945% | 3,207 |
| Net loans and leases to deposits | 82.1025% | 2,441 |
| Net loans and leases to core deposits | 266.9850% | 52 |
| Total domestic deposits to total assets | 79.4062% | 5,973 |
| Equity capital to assets | 16.7963% | 507 |
| Core capital (leverage) ratio | 15.3242% | 615 |
| Tier 1 risk-based capital ratio | 23.0977% | 1,103 |
| Total risk-based capital ratio | 24.3513% | 1,086 |
| Memoranda: | ||
| Average total assets | $7,160,813,670 | 137 |
| Average earning assets | $6,858,649,670 | 130 |
| Average equity | $1,028,974,330 | 121 |
| Average total loans | $4,793,092,000 | 125 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7390% | 155 |
| Cost of funding earning assets | 1.7052% | 540 |
| Net interest margin | 5.0338% | 358 |
| Noninterest income to average assets | 0.1427% | 6,700 |
| Noninterest expense to average assets | 0.5877% | 7,547 |
| Loan and lease loss provision to assets | 2.3779% | 217 |
| Net operating income to assets | 1.2220% | 1,473 |
| Return on assets (ROA) | 1.2220% | 1,529 |
| Pretax return on assets | 1.9940% | 566 |
| Return on Equity (ROE) | 9.1803% | 2,396 |
| Retained earnings to average equity (ytd only) | 9.1803% | 1,326 |
| Net charge-offs to loans | 0.8955% | 1,475 |
| Credit loss provision to net charge-offs | 394.9982% | 843 |
| Earnings coverage of net charge-offs (x) | 7.2623% | 1,969 |
| Efficiency ratio | 11.8492% | 7,549 |
| Assets per employee ($millions) | 223.5229% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5535% | 3,946 |
| Loan loss allowance to noncurrent loans | 1,133.5242% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 6,912 |
| Noncurrent loans to loans | 0.1370% | 6,701 |
| Net loans and leases to total assets | 71.4315% | 1,826 |
| Net loans and leases to deposits | 85.9044% | 1,746 |
| Net loans and leases to core deposits | 322.0666% | 46 |
| Total domestic deposits to total assets | 83.1523% | 4,874 |
| Equity capital to assets | 13.6882% | 1,113 |
| Core capital (leverage) ratio | 12.9175% | 1,148 |
| Tier 1 risk-based capital ratio | 17.0235% | 2,462 |
| Total risk-based capital ratio | 18.2761% | 2,439 |
| Memoranda: | ||
| Average total assets | $7,478,972,000 | 138 |
| Average earning assets | $7,156,712,500 | 131 |
| Average equity | $995,524,500 | 125 |
| Average total loans | $5,027,566,000 | 127 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5228% | 2,194 |
| Cost of funding earning assets | 1.9539% | 713 |
| Net interest margin | 3.5689% | 4,969 |
| Noninterest income to average assets | 0.4562% | 4,470 |
| Noninterest expense to average assets | 0.4500% | 7,616 |
| Loan and lease loss provision to assets | 0.7558% | 2,172 |
| Net operating income to assets | 1.6963% | 522 |
| Return on assets (ROA) | 1.7006% | 559 |
| Pretax return on assets | 2.6850% | 155 |
| Return on Equity (ROE) | 10.6571% | 1,707 |
| Retained earnings to average equity (ytd only) | -22.0913% | 7,053 |
| Net charge-offs to loans | 1.1499% | 1,939 |
| Credit loss provision to net charge-offs | 118.4541% | 3,589 |
| Earnings coverage of net charge-offs (x) | 5.3820% | 2,640 |
| Efficiency ratio | 11.5853% | 7,636 |
| Assets per employee ($millions) | 222.9908% | 12 |
| Cash dividends to net income (ytd only)* | 307.2928% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 6,101 |
| Loan loss allowance to noncurrent loans | 701.4890% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 6,995 |
| Noncurrent loans to loans | 0.1514% | 6,769 |
| Net loans and leases to total assets | 61.3726% | 4,425 |
| Net loans and leases to deposits | 72.4138% | 4,441 |
| Net loans and leases to core deposits | 309.5426% | 44 |
| Total domestic deposits to total assets | 84.7527% | 3,972 |
| Equity capital to assets | 12.9440% | 1,414 |
| Core capital (leverage) ratio | 12.0499% | 1,510 |
| Tier 1 risk-based capital ratio | 18.7061% | 1,786 |
| Total risk-based capital ratio | 19.7027% | 1,821 |
| Memoranda: | ||
| Average total assets | $7,654,354,200 | 135 |
| Average earning assets | $7,351,847,200 | 131 |
| Average equity | $1,221,433,400 | 103 |
| Average total loans | $4,247,246,600 | 140 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3268% | 3,226 |
| Cost of funding earning assets | 1.9890% | 779 |
| Net interest margin | 3.3378% | 5,897 |
| Noninterest income to average assets | 0.5761% | 3,608 |
| Noninterest expense to average assets | 0.4321% | 7,736 |
| Loan and lease loss provision to assets | 0.7741% | 1,971 |
| Net operating income to assets | 1.6470% | 676 |
| Return on assets (ROA) | 1.6527% | 737 |
| Pretax return on assets | 2.5857% | 202 |
| Return on Equity (ROE) | 9.8955% | 2,164 |
| Retained earnings to average equity (ytd only) | 9.8955% | 817 |
| Net charge-offs to loans | 0.0035% | 6,633 |
| Credit loss provision to net charge-offs | 40,498.1818% | 7 |
| Earnings coverage of net charge-offs (x) | 1,753.0177% | 15 |
| Efficiency ratio | 11.4212% | 7,743 |
| Assets per employee ($millions) | 247.5684% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 6,228 |
| Loan loss allowance to noncurrent loans | 814.6466% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 7,167 |
| Noncurrent loans to loans | 0.1273% | 6,926 |
| Net loans and leases to total assets | 54.2282% | 5,818 |
| Net loans and leases to deposits | 67.3763% | 5,508 |
| Net loans and leases to core deposits | 330.2577% | 44 |
| Total domestic deposits to total assets | 80.4856% | 5,549 |
| Equity capital to assets | 16.4326% | 601 |
| Core capital (leverage) ratio | 16.7636% | 453 |
| Tier 1 risk-based capital ratio | 26.7789% | 715 |
| Total risk-based capital ratio | 27.7392% | 719 |
| Memoranda: | ||
| Average total assets | $7,672,521,000 | 134 |
| Average earning assets | $7,371,433,750 | 129 |
| Average equity | $1,281,448,500 | 99 |
| Average total loans | $4,133,303,250 | 140 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3871% | 3,026 |
| Cost of funding earning assets | 2.0871% | 692 |
| Net interest margin | 3.2999% | 6,019 |
| Noninterest income to average assets | 0.7375% | 2,469 |
| Noninterest expense to average assets | 0.4319% | 7,806 |
| Loan and lease loss provision to assets | 0.8501% | 1,714 |
| Net operating income to assets | 1.6900% | 599 |
| Return on assets (ROA) | 1.6936% | 645 |
| Pretax return on assets | 2.6376% | 191 |
| Return on Equity (ROE) | 10.0812% | 2,083 |
| Retained earnings to average equity (ytd only) | 10.0812% | 829 |
| Net charge-offs to loans | 0.0040% | 6,319 |
| Credit loss provision to net charge-offs | 39,391.3580% | 7 |
| Earnings coverage of net charge-offs (x) | 1,613.5185% | 11 |
| Efficiency ratio | 11.0343% | 7,810 |
| Assets per employee ($millions) | 237.8252% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 5,811 |
| Loan loss allowance to noncurrent loans | 716.2126% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0822% | 7,188 |
| Noncurrent loans to loans | 0.1574% | 6,950 |
| Net loans and leases to total assets | 51.6117% | 6,254 |
| Net loans and leases to deposits | 64.5324% | 5,973 |
| Net loans and leases to core deposits | 557.0825% | 35 |
| Total domestic deposits to total assets | 79.9779% | 5,735 |
| Equity capital to assets | 17.7535% | 443 |
| Core capital (leverage) ratio | 17.2323% | 417 |
| Tier 1 risk-based capital ratio | 30.3774% | 489 |
| Total risk-based capital ratio | 31.4258% | 487 |
| Memoranda: | ||
| Average total assets | $7,506,776,000 | 136 |
| Average earning assets | $7,225,862,000 | 130 |
| Average equity | $1,261,096,670 | 98 |
| Average total loans | $4,018,818,670 | 140 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6520% | 1,952 |
| Cost of funding earning assets | 2.2449% | 507 |
| Net interest margin | 3.4071% | 5,552 |
| Noninterest income to average assets | 1.0646% | 1,122 |
| Noninterest expense to average assets | 0.4330% | 7,912 |
| Loan and lease loss provision to assets | 1.0027% | 1,246 |
| Net operating income to assets | 1.8701% | 429 |
| Return on assets (ROA) | 1.8772% | 464 |
| Pretax return on assets | 2.9237% | 147 |
| Return on Equity (ROE) | 11.4917% | 1,646 |
| Retained earnings to average equity (ytd only) | 11.4917% | 834 |
| Net charge-offs to loans | 0.0043% | 5,563 |
| Credit loss provision to net charge-offs | 43,150.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 1,684.8864% | 8 |
| Efficiency ratio | 9.9571% | 7,913 |
| Assets per employee ($millions) | 235.3113% | 12 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9731% | 6,585 |
| Loan loss allowance to noncurrent loans | 641.0377% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0760% | 7,302 |
| Noncurrent loans to loans | 0.1518% | 7,034 |
| Net loans and leases to total assets | 49.5901% | 6,509 |
| Net loans and leases to deposits | 61.1730% | 6,353 |
| Net loans and leases to core deposits | 775.0475% | 33 |
| Total domestic deposits to total assets | 81.0653% | 5,437 |
| Equity capital to assets | 17.0012% | 537 |
| Core capital (leverage) ratio | 16.1571% | 555 |
| Tier 1 risk-based capital ratio | 30.6549% | 495 |
| Total risk-based capital ratio | 31.5673% | 497 |
| Memoranda: | ||
| Average total assets | $7,573,873,500 | 134 |
| Average earning assets | $7,299,430,000 | 129 |
| Average equity | $1,237,201,000 | 97 |
| Average total loans | $4,103,981,000 | 142 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4499% | 4,439 |
| Cost of funding earning assets | 2.6823% | 622 |
| Net interest margin | 2.7676% | 7,112 |
| Noninterest income to average assets | 0.2354% | 6,416 |
| Noninterest expense to average assets | 0.4662% | 7,983 |
| Loan and lease loss provision to assets | 0.7415% | 2,886 |
| Net operating income to assets | 1.0963% | 1,520 |
| Return on assets (ROA) | 1.0960% | 1,561 |
| Pretax return on assets | 1.7068% | 767 |
| Return on Equity (ROE) | 6.4133% | 3,029 |
| Retained earnings to average equity (ytd only) | 6.4133% | 1,184 |
| Net charge-offs to loans | 0.0025% | 7,215 |
| Credit loss provision to net charge-offs | 52,414.2857% | 5 |
| Earnings coverage of net charge-offs (x) | 1,730.9341% | 9 |
| Efficiency ratio | 15.9951% | 7,987 |
| Assets per employee ($millions) | 262.6822% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 6,914 |
| Loan loss allowance to noncurrent loans | 595.1722% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 7,286 |
| Noncurrent loans to loans | 0.1466% | 7,063 |
| Net loans and leases to total assets | 57.7391% | 5,701 |
| Net loans and leases to deposits | 69.4772% | 5,673 |
| Net loans and leases to core deposits | 69.4967% | 6,803 |
| Total domestic deposits to total assets | 83.1052% | 4,480 |
| Equity capital to assets | 15.6767% | 751 |
| Core capital (leverage) ratio | 15.0435% | 777 |
| Tier 1 risk-based capital ratio | 24.6121% | 891 |
| Total risk-based capital ratio | 25.4314% | 908 |
| Memoranda: | ||
| Average total assets | $6,432,750,200 | 145 |
| Average earning assets | $6,227,982,200 | 136 |
| Average equity | $1,099,301,800 | 104 |
| Average total loans | $3,693,505,000 | 154 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3434% | 5,206 |
| Cost of funding earning assets | 2.6875% | 813 |
| Net interest margin | 2.6559% | 7,284 |
| Noninterest income to average assets | 0.1418% | 7,165 |
| Noninterest expense to average assets | 0.4696% | 8,075 |
| Loan and lease loss provision to assets | 0.6513% | 2,801 |
| Net operating income to assets | 1.0351% | 1,950 |
| Return on assets (ROA) | 1.0348% | 2,014 |
| Pretax return on assets | 1.5971% | 1,183 |
| Return on Equity (ROE) | 5.9037% | 3,567 |
| Retained earnings to average equity (ytd only) | 5.9037% | 2,001 |
| Net charge-offs to loans | 0.0029% | 6,951 |
| Credit loss provision to net charge-offs | 39,442.1053% | 4 |
| Earnings coverage of net charge-offs (x) | 1,361.9713% | 13 |
| Efficiency ratio | 17.2729% | 8,063 |
| Assets per employee ($millions) | 293.9314% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8892% | 6,799 |
| Loan loss allowance to noncurrent loans | 635.3225% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 7,358 |
| Noncurrent loans to loans | 0.1400% | 7,129 |
| Net loans and leases to total assets | 55.4757% | 6,202 |
| Net loans and leases to deposits | 66.1561% | 6,297 |
| Net loans and leases to core deposits | 66.1738% | 7,155 |
| Total domestic deposits to total assets | 83.8557% | 3,791 |
| Equity capital to assets | 14.5435% | 1,130 |
| Core capital (leverage) ratio | 14.1677% | 1,052 |
| Tier 1 risk-based capital ratio | 24.2049% | 980 |
| Total risk-based capital ratio | 25.0559% | 998 |
| Memoranda: | ||
| Average total assets | $6,136,491,750 | 157 |
| Average earning assets | $5,953,505,250 | 150 |
| Average equity | $1,075,572,250 | 112 |
| Average total loans | $3,507,593,250 | 172 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5219% | 4,498 |
| Cost of funding earning assets | 2.5048% | 1,597 |
| Net interest margin | 3.0171% | 6,494 |
| Noninterest income to average assets | 0.0435% | 7,768 |
| Noninterest expense to average assets | 0.5275% | 8,168 |
| Loan and lease loss provision to assets | 0.8224% | 2,038 |
| Net operating income to assets | 1.0555% | 1,929 |
| Return on assets (ROA) | 1.0549% | 2,004 |
| Pretax return on assets | 1.6210% | 1,168 |
| Return on Equity (ROE) | 5.5658% | 3,830 |
| Retained earnings to average equity (ytd only) | 5.5658% | 2,217 |
| Net charge-offs to loans | 0.0032% | 6,583 |
| Credit loss provision to net charge-offs | 44,641.1765% | 8 |
| Earnings coverage of net charge-offs (x) | 1,326.8235% | 18 |
| Efficiency ratio | 17.7489% | 8,150 |
| Assets per employee ($millions) | 331.7168% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8404% | 7,015 |
| Loan loss allowance to noncurrent loans | 630.1883% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0640% | 7,434 |
| Noncurrent loans to loans | 0.1334% | 7,181 |
| Net loans and leases to total assets | 47.6152% | 7,067 |
| Net loans and leases to deposits | 55.8778% | 7,173 |
| Net loans and leases to core deposits | 55.8924% | 7,597 |
| Total domestic deposits to total assets | 85.2131% | 3,157 |
| Equity capital to assets | 13.4809% | 1,499 |
| Core capital (leverage) ratio | 17.9318% | 515 |
| Tier 1 risk-based capital ratio | 26.1597% | 847 |
| Total risk-based capital ratio | 26.9203% | 864 |
| Memoranda: | ||
| Average total assets | $5,536,606,000 | 173 |
| Average earning assets | $5,373,802,330 | 166 |
| Average equity | $1,049,365,000 | 116 |
| Average total loans | $3,196,080,670 | 196 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5160% | 843 |
| Cost of funding earning assets | 2.5284% | 1,808 |
| Net interest margin | 3.9876% | 2,692 |
| Noninterest income to average assets | 0.0268% | 7,947 |
| Noninterest expense to average assets | 0.4699% | 8,218 |
| Loan and lease loss provision to assets | 1.2373% | 1,046 |
| Net operating income to assets | 1.4459% | 1,052 |
| Return on assets (ROA) | 1.4442% | 1,130 |
| Pretax return on assets | 2.1860% | 453 |
| Return on Equity (ROE) | 6.0199% | 4,033 |
| Retained earnings to average equity (ytd only) | 6.0199% | 2,617 |
| Net charge-offs to loans | 0.0036% | 5,674 |
| Credit loss provision to net charge-offs | 51,446.1538% | 8 |
| Earnings coverage of net charge-offs (x) | 1,424.4231% | 6 |
| Efficiency ratio | 12.0622% | 8,208 |
| Assets per employee ($millions) | 210.9296% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6456% | 7,575 |
| Loan loss allowance to noncurrent loans | 656.7708% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 7,383 |
| Noncurrent loans to loans | 0.0983% | 7,247 |
| Net loans and leases to total assets | 72.0069% | 3,243 |
| Net loans and leases to deposits | 94.0720% | 2,258 |
| Net loans and leases to core deposits | 94.0720% | 5,140 |
| Total domestic deposits to total assets | 76.5445% | 6,392 |
| Equity capital to assets | 21.6272% | 324 |
| Core capital (leverage) ratio | 24.5294% | 243 |
| Tier 1 risk-based capital ratio | 29.5737% | 647 |
| Total risk-based capital ratio | 30.1888% | 677 |
| Memoranda: | ||
| Average total assets | $4,324,307,000 | 206 |
| Average earning assets | $4,195,526,000 | 195 |
| Average equity | $1,037,426,000 | 118 |
| Average total loans | $2,882,686,500 | 212 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4456% | 3,203 |
| Cost of funding earning assets | 2.2237% | 5,486 |
| Net interest margin | 4.2220% | 2,219 |
| Noninterest income to average assets | 2.7453% | 228 |
| Noninterest expense to average assets | 0.5095% | 8,258 |
| Loan and lease loss provision to assets | 0.3386% | 3,683 |
| Net operating income to assets | 3.8833% | 43 |
| Return on assets (ROA) | 3.8409% | 43 |
| Pretax return on assets | 5.9358% | 41 |
| Return on Equity (ROE) | 17.9953% | 527 |
| Retained earnings to average equity (ytd only) | 17.9953% | 48 |
| Net charge-offs to loans | 0.0054% | 6,900 |
| Credit loss provision to net charge-offs | 8,172.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 1,529.9067% | 23 |
| Efficiency ratio | 7.4384% | 8,281 |
| Assets per employee ($millions) | 210.9574% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4136% | 7,961 |
| Loan loss allowance to noncurrent loans | 185.6145% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 7,050 |
| Noncurrent loans to loans | 0.2228% | 6,720 |
| Net loans and leases to total assets | 58.9914% | 6,058 |
| Net loans and leases to deposits | 82.5231% | 4,647 |
| Net loans and leases to core deposits | 82.5231% | 6,413 |
| Total domestic deposits to total assets | 71.4847% | 7,089 |
| Equity capital to assets | 27.0101% | 219 |
| Core capital (leverage) ratio | 40.6742% | 109 |
| Tier 1 risk-based capital ratio | 45.8827% | 250 |
| Total risk-based capital ratio | 46.2794% | 258 |
| Memoranda: | ||
| Average total assets | $1,809,904,600 | 394 |
| Average earning assets | $1,759,299,800 | 369 |
| Average equity | $386,299,800 | 226 |
| Average total loans | $1,400,137,000 | 374 |