Home > Signature Bank > Performance and Condition Ratios
Signature Bank, Performance and Condition Ratios
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1366% | 3,929 |
| Cost of funding earning assets | 0.8965% | 258 |
| Net interest margin | 2.2401% | 4,458 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 0.7420% | 4,672 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.1472% | 1,983 |
| Return on assets (ROA) | 1.1505% | 1,914 |
| Pretax return on assets | 1.5104% | 1,422 |
| Return on Equity (ROE) | 16.8200% | 887 |
| Retained earnings to average equity (ytd only) | 14.5834% | 326 |
| Net charge-offs to loans | 0.0929% | 762 |
| Credit loss provision to net charge-offs | 119.6308% | 1,462 |
| Earnings coverage of net charge-offs (x) | 27.7719% | 1,724 |
| Efficiency ratio | 32.0378% | 4,639 |
| Assets per employee ($millions) | 48.7687% | 31 |
| Cash dividends to net income (ytd only)* | 13.2896% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6542% | 4,280 |
| Loan loss allowance to noncurrent loans | 205.2767% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.2162% | 2,081 |
| Noncurrent loans to loans | 0.3187% | 2,007 |
| Net loans and leases to total assets | 67.4000% | 1,896 |
| Net loans and leases to deposits | 83.9483% | 1,479 |
| Net loans and leases to core deposits | 88.8452% | 1,562 |
| Total domestic deposits to total assets | 80.2900% | 3,834 |
| Equity capital to assets | 7.2606% | 3,512 |
| Core capital (leverage) ratio | 8.7867% | 3,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3159% | 2,640 |
| Memoranda: | ||
| Average total assets | $116,218,385,600 | 31 |
| Average earning assets | $113,233,600,800 | 30 |
| Average equity | $7,949,842,000 | 38 |
| Average total loans | $70,883,331,000 | 27 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7774% | 4,214 |
| Cost of funding earning assets | 0.5760% | 497 |
| Net interest margin | 2.2014% | 4,462 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 0.7127% | 4,714 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.1703% | 1,810 |
| Return on assets (ROA) | 1.1740% | 1,767 |
| Pretax return on assets | 1.5268% | 1,338 |
| Return on Equity (ROE) | 17.4100% | 724 |
| Retained earnings to average equity (ytd only) | 15.1745% | 348 |
| Net charge-offs to loans | 0.0910% | 677 |
| Credit loss provision to net charge-offs | 75.5973% | 1,435 |
| Earnings coverage of net charge-offs (x) | 28.9354% | 1,535 |
| Efficiency ratio | 31.3187% | 4,681 |
| Assets per employee ($millions) | 52.5086% | 31 |
| Cash dividends to net income (ytd only)* | 12.8562% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6251% | 4,357 |
| Loan loss allowance to noncurrent loans | 212.2688% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.1913% | 2,328 |
| Noncurrent loans to loans | 0.2945% | 2,189 |
| Net loans and leases to total assets | 64.5600% | 2,030 |
| Net loans and leases to deposits | 71.8869% | 2,215 |
| Net loans and leases to core deposits | 73.7754% | 2,367 |
| Total domestic deposits to total assets | 89.8100% | 1,738 |
| Equity capital to assets | 6.7184% | 3,653 |
| Core capital (leverage) ratio | 8.4700% | 4,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9874% | 2,819 |
| Memoranda: | ||
| Average total assets | $117,682,069,500 | 32 |
| Average earning assets | $114,927,523,000 | 31 |
| Average equity | $7,934,027,250 | 39 |
| Average total loans | $69,884,450,000 | 28 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4399% | 4,429 |
| Cost of funding earning assets | 0.3341% | 1,405 |
| Net interest margin | 2.1058% | 4,511 |
| Noninterest income to average assets | 0.1155% | 4,418 |
| Noninterest expense to average assets | 0.6796% | 4,742 |
| Loan and lease loss provision to assets | 0.0117% | 2,384 |
| Net operating income to assets | 1.1375% | 1,641 |
| Return on assets (ROA) | 1.1414% | 1,606 |
| Pretax return on assets | 1.4894% | 1,199 |
| Return on Equity (ROE) | 16.9113% | 580 |
| Retained earnings to average equity (ytd only) | 14.6952% | 289 |
| Net charge-offs to loans | 0.1095% | 552 |
| Credit loss provision to net charge-offs | 18.6263% | 1,609 |
| Earnings coverage of net charge-offs (x) | 23.7229% | 1,486 |
| Efficiency ratio | 31.2367% | 4,710 |
| Assets per employee ($millions) | 54.8825% | 28 |
| Cash dividends to net income (ytd only)* | 13.1039% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6124% | 4,450 |
| Loan loss allowance to noncurrent loans | 205.5460% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 2,417 |
| Noncurrent loans to loans | 0.2980% | 2,269 |
| Net loans and leases to total assets | 62.4063% | 2,078 |
| Net loans and leases to deposits | 69.4934% | 2,260 |
| Net loans and leases to core deposits | 70.4573% | 2,456 |
| Total domestic deposits to total assets | 89.8018% | 1,795 |
| Equity capital to assets | 6.9260% | 3,808 |
| Core capital (leverage) ratio | 7.9173% | 4,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8811% | 2,839 |
| Memoranda: | ||
| Average total assets | $118,753,177,333 | 32 |
| Average earning assets | $116,185,075,667 | 30 |
| Average equity | $8,015,195,000 | 39 |
| Average total loans | $68,390,950,333 | 29 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1822% | 4,540 |
| Cost of funding earning assets | 0.2330% | 2,349 |
| Net interest margin | 1.9492% | 4,546 |
| Noninterest income to average assets | 0.1075% | 4,467 |
| Noninterest expense to average assets | 0.6446% | 4,770 |
| Loan and lease loss provision to assets | 0.0090% | 2,158 |
| Net operating income to assets | 1.1216% | 1,469 |
| Return on assets (ROA) | 1.1271% | 1,444 |
| Pretax return on assets | 1.3713% | 1,325 |
| Return on Equity (ROE) | 16.9121% | 434 |
| Retained earnings to average equity (ytd only) | 14.6955% | 313 |
| Net charge-offs to loans | 0.1075% | 496 |
| Credit loss provision to net charge-offs | 15.2159% | 1,305 |
| Earnings coverage of net charge-offs (x) | 23.1988% | 1,231 |
| Efficiency ratio | 31.9406% | 4,729 |
| Assets per employee ($millions) | 62.2941% | 27 |
| Cash dividends to net income (ytd only)* | 13.1065% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6874% | 4,407 |
| Loan loss allowance to noncurrent loans | 244.6096% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 2,713 |
| Noncurrent loans to loans | 0.2810% | 2,464 |
| Net loans and leases to total assets | 54.6959% | 2,667 |
| Net loans and leases to deposits | 61.0442% | 2,805 |
| Net loans and leases to core deposits | 61.7032% | 3,001 |
| Total domestic deposits to total assets | 89.6004% | 1,767 |
| Equity capital to assets | 6.7077% | 4,335 |
| Core capital (leverage) ratio | 7.7367% | 4,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5769% | 2,752 |
| Memoranda: | ||
| Average total assets | $120,146,364,500 | 32 |
| Average earning assets | $117,772,068,000 | 30 |
| Average equity | $8,006,889,500 | 38 |
| Average total loans | $66,178,137,500 | 29 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4848% | 4,491 |
| Cost of funding earning assets | 0.3514% | 1,926 |
| Net interest margin | 2.1334% | 4,521 |
| Noninterest income to average assets | 0.1119% | 4,557 |
| Noninterest expense to average assets | 0.7288% | 4,795 |
| Loan and lease loss provision to assets | 0.0518% | 2,017 |
| Net operating income to assets | 0.9414% | 2,898 |
| Return on assets (ROA) | 0.9512% | 2,938 |
| Pretax return on assets | 1.2923% | 2,382 |
| Return on Equity (ROE) | 13.1832% | 1,406 |
| Retained earnings to average equity (ytd only) | 10.7693% | 746 |
| Net charge-offs to loans | 0.1502% | 636 |
| Credit loss provision to net charge-offs | 59.4461% | 2,065 |
| Earnings coverage of net charge-offs (x) | 15.2761% | 2,005 |
| Efficiency ratio | 35.3701% | 4,758 |
| Assets per employee ($millions) | 63.0029% | 27 |
| Cash dividends to net income (ytd only)* | 18.3108% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7270% | 4,380 |
| Loan loss allowance to noncurrent loans | 203.1766% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.1977% | 2,575 |
| Noncurrent loans to loans | 0.3578% | 2,303 |
| Net loans and leases to total assets | 54.6878% | 2,769 |
| Net loans and leases to deposits | 61.0201% | 2,987 |
| Net loans and leases to core deposits | 61.8454% | 3,179 |
| Total domestic deposits to total assets | 89.6226% | 1,157 |
| Equity capital to assets | 6.6196% | 4,776 |
| Core capital (leverage) ratio | 7.2692% | 4,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7561% | 2,942 |
| Memoranda: | ||
| Average total assets | $96,555,288,200 | 35 |
| Average earning assets | $88,190,649,800 | 35 |
| Average equity | $6,966,727,000 | 44 |
| Average total loans | $56,058,008,000 | 31 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6042% | 4,499 |
| Cost of funding earning assets | 0.3936% | 1,750 |
| Net interest margin | 2.2106% | 4,564 |
| Noninterest income to average assets | 0.1146% | 4,601 |
| Noninterest expense to average assets | 0.7608% | 4,875 |
| Loan and lease loss provision to assets | 0.0632% | 1,736 |
| Net operating income to assets | 0.9363% | 3,132 |
| Return on assets (ROA) | 0.9463% | 3,176 |
| Pretax return on assets | 1.2724% | 2,697 |
| Return on Equity (ROE) | 12.7723% | 1,773 |
| Retained earnings to average equity (ytd only) | 10.3019% | 1,229 |
| Net charge-offs to loans | 0.1253% | 632 |
| Credit loss provision to net charge-offs | 85.3492% | 1,692 |
| Earnings coverage of net charge-offs (x) | 17.8900% | 1,800 |
| Efficiency ratio | 36.5111% | 4,802 |
| Assets per employee ($millions) | 58.3924% | 29 |
| Cash dividends to net income (ytd only)* | 19.3424% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8425% | 4,290 |
| Loan loss allowance to noncurrent loans | 203.1548% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.2292% | 2,629 |
| Noncurrent loans to loans | 0.4147% | 2,315 |
| Net loans and leases to total assets | 54.6592% | 2,885 |
| Net loans and leases to deposits | 61.6721% | 3,072 |
| Net loans and leases to core deposits | 62.5934% | 3,260 |
| Total domestic deposits to total assets | 88.6287% | 1,497 |
| Equity capital to assets | 7.1202% | 4,785 |
| Core capital (leverage) ratio | 7.8276% | 4,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9566% | 2,719 |
| Memoranda: | ||
| Average total assets | $91,082,753,500 | 37 |
| Average earning assets | $81,130,445,500 | 38 |
| Average equity | $6,748,254,250 | 45 |
| Average total loans | $53,760,119,500 | 33 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8189% | 4,323 |
| Cost of funding earning assets | 0.4512% | 1,507 |
| Net interest margin | 2.3677% | 4,454 |
| Noninterest income to average assets | 0.1148% | 4,629 |
| Noninterest expense to average assets | 0.7917% | 4,908 |
| Loan and lease loss provision to assets | 0.0917% | 1,365 |
| Net operating income to assets | 0.9351% | 3,115 |
| Return on assets (ROA) | 0.9475% | 3,153 |
| Pretax return on assets | 1.2684% | 2,714 |
| Return on Equity (ROE) | 12.5824% | 1,858 |
| Retained earnings to average equity (ytd only) | 10.0300% | 1,383 |
| Net charge-offs to loans | 0.1280% | 613 |
| Credit loss provision to net charge-offs | 117.9343% | 1,272 |
| Earnings coverage of net charge-offs (x) | 17.3095% | 1,583 |
| Efficiency ratio | 37.0652% | 4,816 |
| Assets per employee ($millions) | 54.1558% | 30 |
| Cash dividends to net income (ytd only)* | 20.2854% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 4,046 |
| Loan loss allowance to noncurrent loans | 371.8831% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.1429% | 3,297 |
| Noncurrent loans to loans | 0.2514% | 3,045 |
| Net loans and leases to total assets | 56.1087% | 2,891 |
| Net loans and leases to deposits | 63.7398% | 3,029 |
| Net loans and leases to core deposits | 65.1230% | 3,186 |
| Total domestic deposits to total assets | 88.0277% | 1,805 |
| Equity capital to assets | 7.0410% | 4,837 |
| Core capital (leverage) ratio | 7.8640% | 4,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7735% | 2,784 |
| Memoranda: | ||
| Average total assets | $85,493,425,000 | 39 |
| Average earning assets | $72,984,299,333 | 42 |
| Average equity | $6,437,959,333 | 46 |
| Average total loans | $51,863,100,667 | 35 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2632% | 3,539 |
| Cost of funding earning assets | 0.5496% | 1,104 |
| Net interest margin | 2.7136% | 3,933 |
| Noninterest income to average assets | 0.0828% | 4,755 |
| Noninterest expense to average assets | 0.8432% | 4,932 |
| Loan and lease loss provision to assets | 0.1551% | 829 |
| Net operating income to assets | 0.9400% | 3,009 |
| Return on assets (ROA) | 0.9570% | 3,042 |
| Pretax return on assets | 1.2153% | 2,803 |
| Return on Equity (ROE) | 12.2241% | 1,933 |
| Retained earnings to average equity (ytd only) | 9.6195% | 1,762 |
| Net charge-offs to loans | 0.1422% | 532 |
| Credit loss provision to net charge-offs | 172.8168% | 939 |
| Earnings coverage of net charge-offs (x) | 15.0311% | 1,350 |
| Efficiency ratio | 38.4680% | 4,798 |
| Assets per employee ($millions) | 49.8728% | 29 |
| Cash dividends to net income (ytd only)* | 21.3071% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0173% | 3,780 |
| Loan loss allowance to noncurrent loans | 376.3749% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 3,348 |
| Noncurrent loans to loans | 0.2703% | 3,142 |
| Net loans and leases to total assets | 59.4611% | 2,610 |
| Net loans and leases to deposits | 68.6228% | 2,633 |
| Net loans and leases to core deposits | 70.1944% | 2,848 |
| Total domestic deposits to total assets | 86.6492% | 2,465 |
| Equity capital to assets | 7.7796% | 4,603 |
| Core capital (leverage) ratio | 8.8206% | 3,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4140% | 2,114 |
| Memoranda: | ||
| Average total assets | $79,635,269,000 | 41 |
| Average earning assets | $61,896,391,500 | 43 |
| Average equity | $6,234,657,000 | 46 |
| Average total loans | $50,265,717,000 | 36 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6707% | 3,655 |
| Cost of funding earning assets | 0.7703% | 1,345 |
| Net interest margin | 2.9004% | 4,107 |
| Noninterest income to average assets | 0.0567% | 4,850 |
| Noninterest expense to average assets | 1.0271% | 4,930 |
| Loan and lease loss provision to assets | 0.4112% | 740 |
| Net operating income to assets | 0.8597% | 2,863 |
| Return on assets (ROA) | 0.8757% | 2,940 |
| Pretax return on assets | 1.2135% | 2,284 |
| Return on Equity (ROE) | 10.4806% | 1,816 |
| Retained earnings to average equity (ytd only) | 8.0986% | 1,027 |
| Net charge-offs to loans | 0.0635% | 1,869 |
| Credit loss provision to net charge-offs | 880.1859% | 840 |
| Earnings coverage of net charge-offs (x) | 34.3450% | 1,493 |
| Efficiency ratio | 39.0306% | 4,888 |
| Assets per employee ($millions) | 44.5111% | 30 |
| Cash dividends to net income (ytd only)* | 22.7275% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 3,749 |
| Loan loss allowance to noncurrent loans | 403.7355% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 3,422 |
| Noncurrent loans to loans | 0.2557% | 3,276 |
| Net loans and leases to total assets | 65.9538% | 2,096 |
| Net loans and leases to deposits | 76.9586% | 2,177 |
| Net loans and leases to core deposits | 78.9847% | 2,458 |
| Total domestic deposits to total assets | 85.7003% | 2,490 |
| Equity capital to assets | 7.8861% | 4,750 |
| Core capital (leverage) ratio | 8.5479% | 4,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5352% | 2,430 |
| Memoranda: | ||
| Average total assets | $60,338,868,600 | 43 |
| Average earning assets | $53,564,238,400 | 43 |
| Average equity | $5,041,294,800 | 50 |
| Average total loans | $44,413,288,200 | 37 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7592% | 3,663 |
| Cost of funding earning assets | 0.8179% | 1,408 |
| Net interest margin | 2.9414% | 4,103 |
| Noninterest income to average assets | 0.0507% | 4,889 |
| Noninterest expense to average assets | 1.0776% | 4,959 |
| Loan and lease loss provision to assets | 0.4975% | 590 |
| Net operating income to assets | 0.8133% | 3,042 |
| Return on assets (ROA) | 0.8319% | 3,100 |
| Pretax return on assets | 1.1852% | 2,440 |
| Return on Equity (ROE) | 9.7791% | 2,099 |
| Retained earnings to average equity (ytd only) | 7.3007% | 1,589 |
| Net charge-offs to loans | 0.0518% | 1,862 |
| Credit loss provision to net charge-offs | 1,265.9577% | 704 |
| Earnings coverage of net charge-offs (x) | 42.2225% | 1,325 |
| Efficiency ratio | 39.3754% | 4,907 |
| Assets per employee ($millions) | 39.3825% | 31 |
| Cash dividends to net income (ytd only)* | 25.3443% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 3,518 |
| Loan loss allowance to noncurrent loans | 527.3539% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.1474% | 3,679 |
| Noncurrent loans to loans | 0.1972% | 3,601 |
| Net loans and leases to total assets | 72.3763% | 1,609 |
| Net loans and leases to deposits | 84.9125% | 1,817 |
| Net loans and leases to core deposits | 87.7471% | 2,172 |
| Total domestic deposits to total assets | 85.2363% | 2,344 |
| Equity capital to assets | 7.8155% | 4,772 |
| Core capital (leverage) ratio | 8.5638% | 4,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9807% | 2,924 |
| Memoranda: | ||
| Average total assets | $56,951,499,750 | 42 |
| Average earning assets | $52,008,332,000 | 42 |
| Average equity | $4,844,891,250 | 54 |
| Average total loans | $43,206,495,000 | 37 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8450% | 3,756 |
| Cost of funding earning assets | 0.8908% | 1,413 |
| Net interest margin | 2.9542% | 4,221 |
| Noninterest income to average assets | 0.0425% | 4,929 |
| Noninterest expense to average assets | 1.0917% | 4,993 |
| Loan and lease loss provision to assets | 0.5846% | 555 |
| Net operating income to assets | 0.7844% | 3,088 |
| Return on assets (ROA) | 0.7930% | 3,180 |
| Pretax return on assets | 1.1213% | 2,647 |
| Return on Equity (ROE) | 9.0357% | 2,347 |
| Retained earnings to average equity (ytd only) | 6.5336% | 1,849 |
| Net charge-offs to loans | 0.0301% | 2,117 |
| Credit loss provision to net charge-offs | 2,526.1103% | 403 |
| Earnings coverage of net charge-offs (x) | 73.2456% | 855 |
| Efficiency ratio | 39.1745% | 4,936 |
| Assets per employee ($millions) | 38.4639% | 34 |
| Cash dividends to net income (ytd only)* | 27.6908% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9776% | 3,677 |
| Loan loss allowance to noncurrent loans | 696.8688% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.1061% | 4,000 |
| Noncurrent loans to loans | 0.1403% | 3,896 |
| Net loans and leases to total assets | 74.6327% | 1,327 |
| Net loans and leases to deposits | 89.6597% | 1,383 |
| Net loans and leases to core deposits | 93.3869% | 1,798 |
| Total domestic deposits to total assets | 83.2399% | 3,018 |
| Equity capital to assets | 8.0573% | 4,688 |
| Core capital (leverage) ratio | 8.7627% | 4,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1619% | 2,923 |
| Memoranda: | ||
| Average total assets | $54,681,895,333 | 42 |
| Average earning assets | $50,793,115,667 | 42 |
| Average equity | $4,798,789,000 | 53 |
| Average total loans | $42,064,572,333 | 38 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9639% | 3,891 |
| Cost of funding earning assets | 1.0713% | 1,137 |
| Net interest margin | 2.8926% | 4,441 |
| Noninterest income to average assets | 0.0510% | 4,975 |
| Noninterest expense to average assets | 1.1216% | 5,038 |
| Loan and lease loss provision to assets | 0.5155% | 567 |
| Net operating income to assets | 0.7561% | 3,075 |
| Return on assets (ROA) | 0.7683% | 3,107 |
| Pretax return on assets | 1.1700% | 2,304 |
| Return on Equity (ROE) | 8.3566% | 2,361 |
| Retained earnings to average equity (ytd only) | 5.8386% | 1,940 |
| Net charge-offs to loans | 0.0170% | 2,031 |
| Credit loss provision to net charge-offs | 3,887.3182% | 209 |
| Earnings coverage of net charge-offs (x) | 125.9261% | 495 |
| Efficiency ratio | 40.1774% | 4,977 |
| Assets per employee ($millions) | 35.5490% | 33 |
| Cash dividends to net income (ytd only)* | 30.1314% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8625% | 4,236 |
| Loan loss allowance to noncurrent loans | 564.5197% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.1193% | 4,029 |
| Noncurrent loans to loans | 0.1528% | 3,913 |
| Net loans and leases to total assets | 77.1589% | 1,105 |
| Net loans and leases to deposits | 96.9418% | 823 |
| Net loans and leases to core deposits | 102.4608% | 1,292 |
| Total domestic deposits to total assets | 79.5930% | 3,930 |
| Equity capital to assets | 8.9760% | 4,612 |
| Core capital (leverage) ratio | 9.4545% | 4,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7665% | 2,821 |
| Memoranda: | ||
| Average total assets | $51,847,939,000 | 43 |
| Average earning assets | $49,124,727,000 | 42 |
| Average equity | $4,766,892,500 | 53 |
| Average total loans | $40,354,186,500 | 38 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1188% | 3,999 |
| Cost of funding earning assets | 1.2793% | 818 |
| Net interest margin | 2.8395% | 4,724 |
| Noninterest income to average assets | 0.0162% | 5,101 |
| Noninterest expense to average assets | 1.0933% | 5,111 |
| Loan and lease loss provision to assets | 0.0462% | 3,100 |
| Net operating income to assets | 1.1935% | 2,084 |
| Return on assets (ROA) | 1.2026% | 2,144 |
| Pretax return on assets | 1.6083% | 1,465 |
| Return on Equity (ROE) | 12.7294% | 1,267 |
| Retained earnings to average equity (ytd only) | 10.0755% | 473 |
| Net charge-offs to loans | 0.0070% | 3,427 |
| Credit loss provision to net charge-offs | 853.5445% | 388 |
| Earnings coverage of net charge-offs (x) | 303.4253% | 282 |
| Efficiency ratio | 39.9530% | 5,066 |
| Assets per employee ($millions) | 33.9057% | 32 |
| Cash dividends to net income (ytd only)* | 20.8483% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6345% | 4,680 |
| Loan loss allowance to noncurrent loans | 419.1985% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.1193% | 4,042 |
| Noncurrent loans to loans | 0.1514% | 3,920 |
| Net loans and leases to total assets | 77.3396% | 1,192 |
| Net loans and leases to deposits | 96.9397% | 844 |
| Net loans and leases to core deposits | 102.4753% | 1,361 |
| Total domestic deposits to total assets | 79.7812% | 4,024 |
| Equity capital to assets | 9.4226% | 4,410 |
| Core capital (leverage) ratio | 9.5982% | 3,961 |
| Tier 1 risk-based capital ratio | 11.6189% | 4,563 |
| Total risk-based capital ratio | 13.3191% | 4,201 |
| Memoranda: | ||
| Average total assets | $48,972,826,600 | 43 |
| Average earning assets | $46,915,555,800 | 42 |
| Average equity | $4,626,517,000 | 52 |
| Average total loans | $38,069,665,800 | 38 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1361% | 4,072 |
| Cost of funding earning assets | 1.3084% | 763 |
| Net interest margin | 2.8277% | 4,834 |
| Noninterest income to average assets | 0.0165% | 5,178 |
| Noninterest expense to average assets | 1.0867% | 5,194 |
| Loan and lease loss provision to assets | 0.0354% | 3,184 |
| Net operating income to assets | 1.1999% | 2,191 |
| Return on assets (ROA) | 1.2100% | 2,236 |
| Pretax return on assets | 1.6195% | 1,568 |
| Return on Equity (ROE) | 12.7996% | 1,353 |
| Retained earnings to average equity (ytd only) | 10.1144% | 724 |
| Net charge-offs to loans | 0.0005% | 3,448 |
| Credit loss provision to net charge-offs | 9,758.3333% | 37 |
| Earnings coverage of net charge-offs (x) | 4,530.6519% | 7 |
| Efficiency ratio | 39.8242% | 5,133 |
| Assets per employee ($millions) | 33.0602% | 30 |
| Cash dividends to net income (ytd only)* | 20.9787% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6352% | 4,756 |
| Loan loss allowance to noncurrent loans | 703.7164% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.0711% | 4,361 |
| Noncurrent loans to loans | 0.0903% | 4,246 |
| Net loans and leases to total assets | 76.8377% | 1,341 |
| Net loans and leases to deposits | 97.2248% | 900 |
| Net loans and leases to core deposits | 103.7260% | 1,344 |
| Total domestic deposits to total assets | 79.0309% | 4,183 |
| Equity capital to assets | 9.5941% | 4,395 |
| Core capital (leverage) ratio | 9.6621% | 4,011 |
| Tier 1 risk-based capital ratio | 11.9456% | 4,440 |
| Total risk-based capital ratio | 13.1976% | 4,329 |
| Memoranda: | ||
| Average total assets | $48,560,742,750 | 45 |
| Average earning assets | $46,578,102,000 | 44 |
| Average equity | $4,590,690,500 | 53 |
| Average total loans | $37,737,028,250 | 38 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1176% | 4,118 |
| Cost of funding earning assets | 1.2967% | 746 |
| Net interest margin | 2.8208% | 4,902 |
| Noninterest income to average assets | 0.0198% | 5,216 |
| Noninterest expense to average assets | 1.0775% | 5,248 |
| Loan and lease loss provision to assets | 0.0485% | 2,850 |
| Net operating income to assets | 1.1983% | 2,154 |
| Return on assets (ROA) | 1.2097% | 2,179 |
| Pretax return on assets | 1.6212% | 1,482 |
| Return on Equity (ROE) | 12.8616% | 1,285 |
| Retained earnings to average equity (ytd only) | 10.1408% | 716 |
| Net charge-offs to loans | -0.0149% | 4,451 |
| Credit loss provision to net charge-offs | -419.2129% | 4,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4283% | 5,176 |
| Assets per employee ($millions) | 33.0818% | 28 |
| Cash dividends to net income (ytd only)* | 21.1544% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6394% | 4,811 |
| Loan loss allowance to noncurrent loans | 532.2993% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 4,280 |
| Noncurrent loans to loans | 0.1201% | 4,142 |
| Net loans and leases to total assets | 77.7104% | 1,274 |
| Net loans and leases to deposits | 101.2030% | 596 |
| Net loans and leases to core deposits | 108.4527% | 1,068 |
| Total domestic deposits to total assets | 76.7867% | 4,587 |
| Equity capital to assets | 9.5342% | 4,373 |
| Core capital (leverage) ratio | 9.7001% | 3,932 |
| Tier 1 risk-based capital ratio | 11.6063% | 4,633 |
| Total risk-based capital ratio | 12.8412% | 4,532 |
| Memoranda: | ||
| Average total assets | $48,272,679,000 | 46 |
| Average earning assets | $46,428,073,000 | 44 |
| Average equity | $4,540,301,330 | 53 |
| Average total loans | $37,576,127,330 | 37 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0778% | 4,188 |
| Cost of funding earning assets | 1.2714% | 724 |
| Net interest margin | 2.8064% | 4,984 |
| Noninterest income to average assets | 0.0082% | 5,296 |
| Noninterest expense to average assets | 1.0555% | 5,313 |
| Loan and lease loss provision to assets | 0.0526% | 2,608 |
| Net operating income to assets | 1.1881% | 2,102 |
| Return on assets (ROA) | 1.2015% | 2,100 |
| Pretax return on assets | 1.6157% | 1,426 |
| Return on Equity (ROE) | 12.8641% | 1,265 |
| Retained earnings to average equity (ytd only) | 10.1107% | 1,009 |
| Net charge-offs to loans | 0.0094% | 2,352 |
| Credit loss provision to net charge-offs | 717.7474% | 477 |
| Earnings coverage of net charge-offs (x) | 225.2582% | 347 |
| Efficiency ratio | 38.9945% | 5,225 |
| Assets per employee ($millions) | 33.5347% | 29 |
| Cash dividends to net income (ytd only)* | 21.4035% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6265% | 4,890 |
| Loan loss allowance to noncurrent loans | 243.7670% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.2003% | 3,816 |
| Noncurrent loans to loans | 0.2570% | 3,638 |
| Net loans and leases to total assets | 76.9046% | 1,329 |
| Net loans and leases to deposits | 101.9593% | 502 |
| Net loans and leases to core deposits | 109.3233% | 968 |
| Total domestic deposits to total assets | 75.4267% | 4,823 |
| Equity capital to assets | 9.3744% | 4,362 |
| Core capital (leverage) ratio | 9.6836% | 3,937 |
| Tier 1 risk-based capital ratio | 11.9664% | 4,478 |
| Total risk-based capital ratio | 13.2380% | 4,356 |
| Memoranda: | ||
| Average total assets | $47,961,553,000 | 45 |
| Average earning assets | $46,121,705,500 | 45 |
| Average equity | $4,479,590,500 | 54 |
| Average total loans | $37,243,705,500 | 38 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9586% | 4,141 |
| Cost of funding earning assets | 0.9418% | 960 |
| Net interest margin | 3.0168% | 4,783 |
| Noninterest income to average assets | 0.0232% | 5,314 |
| Noninterest expense to average assets | 1.0904% | 5,340 |
| Loan and lease loss provision to assets | 0.3596% | 417 |
| Net operating income to assets | 1.1090% | 2,558 |
| Return on assets (ROA) | 1.1180% | 2,523 |
| Pretax return on assets | 1.4900% | 1,810 |
| Return on Equity (ROE) | 12.1327% | 1,666 |
| Retained earnings to average equity (ytd only) | 10.6440% | 498 |
| Net charge-offs to loans | 0.3688% | 521 |
| Credit loss provision to net charge-offs | 126.5005% | 2,081 |
| Earnings coverage of net charge-offs (x) | 6.4671% | 3,085 |
| Efficiency ratio | 37.2331% | 5,314 |
| Assets per employee ($millions) | 33.4734% | 28 |
| Cash dividends to net income (ytd only)* | 12.2699% | 3,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6232% | 4,933 |
| Loan loss allowance to noncurrent loans | 195.8506% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.2485% | 3,609 |
| Noncurrent loans to loans | 0.3182% | 3,413 |
| Net loans and leases to total assets | 77.4381% | 1,365 |
| Net loans and leases to deposits | 100.8137% | 681 |
| Net loans and leases to core deposits | 106.1540% | 1,259 |
| Total domestic deposits to total assets | 76.8131% | 4,659 |
| Equity capital to assets | 9.3047% | 4,318 |
| Core capital (leverage) ratio | 9.7003% | 3,902 |
| Tier 1 risk-based capital ratio | 12.1113% | 4,359 |
| Total risk-based capital ratio | 13.4130% | 4,207 |
| Memoranda: | ||
| Average total assets | $45,201,269,400 | 46 |
| Average earning assets | $43,532,954,200 | 45 |
| Average equity | $4,165,124,400 | 53 |
| Average total loans | $34,836,584,200 | 38 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8994% | 4,216 |
| Cost of funding earning assets | 0.8815% | 996 |
| Net interest margin | 3.0178% | 4,824 |
| Noninterest income to average assets | 0.0262% | 5,386 |
| Noninterest expense to average assets | 1.1101% | 5,409 |
| Loan and lease loss provision to assets | 0.4660% | 257 |
| Net operating income to assets | 1.0184% | 3,009 |
| Return on assets (ROA) | 1.0285% | 2,984 |
| Pretax return on assets | 1.3676% | 2,351 |
| Return on Equity (ROE) | 11.1904% | 2,100 |
| Retained earnings to average equity (ytd only) | 10.1836% | 866 |
| Net charge-offs to loans | 0.5102% | 303 |
| Credit loss provision to net charge-offs | 118.8425% | 1,999 |
| Earnings coverage of net charge-offs (x) | 4.6437% | 3,036 |
| Efficiency ratio | 37.8749% | 5,372 |
| Assets per employee ($millions) | 33.2396% | 30 |
| Cash dividends to net income (ytd only)* | 8.9970% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6194% | 5,012 |
| Loan loss allowance to noncurrent loans | 156.7436% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.3077% | 3,463 |
| Noncurrent loans to loans | 0.3952% | 3,237 |
| Net loans and leases to total assets | 77.1940% | 1,467 |
| Net loans and leases to deposits | 98.1004% | 941 |
| Net loans and leases to core deposits | 103.2499% | 1,511 |
| Total domestic deposits to total assets | 78.6887% | 4,383 |
| Equity capital to assets | 9.2390% | 4,336 |
| Core capital (leverage) ratio | 9.6669% | 3,977 |
| Tier 1 risk-based capital ratio | 12.1564% | 4,406 |
| Total risk-based capital ratio | 13.4668% | 4,257 |
| Memoranda: | ||
| Average total assets | $44,660,382,750 | 46 |
| Average earning assets | $42,985,576,000 | 44 |
| Average equity | $4,104,620,750 | 53 |
| Average total loans | $34,318,622,250 | 38 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8522% | 4,211 |
| Cost of funding earning assets | 0.8220% | 1,036 |
| Net interest margin | 3.0302% | 4,839 |
| Noninterest income to average assets | 0.0347% | 5,434 |
| Noninterest expense to average assets | 1.1419% | 5,465 |
| Loan and lease loss provision to assets | 0.6721% | 149 |
| Net operating income to assets | 0.8441% | 3,704 |
| Return on assets (ROA) | 0.8544% | 3,656 |
| Pretax return on assets | 1.1448% | 3,152 |
| Return on Equity (ROE) | 9.3128% | 2,888 |
| Retained earnings to average equity (ytd only) | 9.3128% | 1,122 |
| Net charge-offs to loans | 0.7752% | 180 |
| Credit loss provision to net charge-offs | 113.2549% | 1,858 |
| Earnings coverage of net charge-offs (x) | 3.0395% | 2,920 |
| Efficiency ratio | 38.7637% | 5,420 |
| Assets per employee ($millions) | 33.2711% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6129% | 5,081 |
| Loan loss allowance to noncurrent loans | 130.6611% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.3619% | 3,291 |
| Noncurrent loans to loans | 0.4691% | 3,029 |
| Net loans and leases to total assets | 76.5200% | 1,560 |
| Net loans and leases to deposits | 98.8641% | 893 |
| Net loans and leases to core deposits | 102.3667% | 1,536 |
| Total domestic deposits to total assets | 77.3992% | 4,678 |
| Equity capital to assets | 9.1730% | 4,405 |
| Core capital (leverage) ratio | 9.6425% | 3,953 |
| Tier 1 risk-based capital ratio | 12.1077% | 4,436 |
| Total risk-based capital ratio | 13.4330% | 4,261 |
| Memoranda: | ||
| Average total assets | $44,256,940,000 | 46 |
| Average earning assets | $42,517,469,670 | 44 |
| Average equity | $4,060,162,000 | 52 |
| Average total loans | $33,881,454,330 | 38 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7958% | 4,231 |
| Cost of funding earning assets | 0.7506% | 1,186 |
| Net interest margin | 3.0451% | 4,807 |
| Noninterest income to average assets | 0.0406% | 5,495 |
| Noninterest expense to average assets | 1.2654% | 5,508 |
| Loan and lease loss provision to assets | 1.2862% | 65 |
| Net operating income to assets | 0.3023% | 5,089 |
| Return on assets (ROA) | 0.3150% | 5,075 |
| Pretax return on assets | 0.4318% | 4,983 |
| Return on Equity (ROE) | 3.4331% | 4,911 |
| Retained earnings to average equity (ytd only) | 3.4331% | 3,833 |
| Net charge-offs to loans | 1.5362% | 89 |
| Credit loss provision to net charge-offs | 109.6824% | 1,459 |
| Earnings coverage of net charge-offs (x) | 1.4513% | 2,556 |
| Efficiency ratio | 42.6453% | 5,383 |
| Assets per employee ($millions) | 33.3101% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6168% | 5,156 |
| Loan loss allowance to noncurrent loans | 123.3646% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.3809% | 3,306 |
| Noncurrent loans to loans | 0.4999% | 3,015 |
| Net loans and leases to total assets | 75.5676% | 1,614 |
| Net loans and leases to deposits | 96.4378% | 985 |
| Net loans and leases to core deposits | 99.8113% | 1,706 |
| Total domestic deposits to total assets | 78.3589% | 4,671 |
| Equity capital to assets | 9.0044% | 4,549 |
| Core capital (leverage) ratio | 9.4668% | 4,104 |
| Tier 1 risk-based capital ratio | 12.0928% | 4,500 |
| Total risk-based capital ratio | 13.4549% | 4,325 |
| Memoranda: | ||
| Average total assets | $43,777,668,000 | 48 |
| Average earning assets | $42,075,200,500 | 45 |
| Average equity | $4,016,432,000 | 53 |
| Average total loans | $33,416,060,000 | 39 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7479% | 4,221 |
| Cost of funding earning assets | 0.5896% | 1,677 |
| Net interest margin | 3.1583% | 4,550 |
| Noninterest income to average assets | 0.0587% | 5,515 |
| Noninterest expense to average assets | 1.0783% | 5,602 |
| Loan and lease loss provision to assets | 0.6438% | 194 |
| Net operating income to assets | 0.9314% | 2,542 |
| Return on assets (ROA) | 0.9468% | 2,491 |
| Pretax return on assets | 1.4067% | 1,967 |
| Return on Equity (ROE) | 10.1162% | 1,837 |
| Retained earnings to average equity (ytd only) | 10.1162% | 336 |
| Net charge-offs to loans | 0.9046% | 214 |
| Credit loss provision to net charge-offs | 93.7557% | 2,717 |
| Earnings coverage of net charge-offs (x) | 2.9525% | 3,668 |
| Efficiency ratio | 34.7188% | 5,598 |
| Assets per employee ($millions) | 33.0419% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5930% | 5,259 |
| Loan loss allowance to noncurrent loans | 58.7941% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 0.7731% | 2,019 |
| Noncurrent loans to loans | 1.0086% | 1,763 |
| Net loans and leases to total assets | 76.1806% | 1,559 |
| Net loans and leases to deposits | 98.2261% | 884 |
| Net loans and leases to core deposits | 102.5324% | 1,520 |
| Total domestic deposits to total assets | 77.5564% | 4,785 |
| Equity capital to assets | 9.3500% | 4,379 |
| Core capital (leverage) ratio | 9.7181% | 3,786 |
| Tier 1 risk-based capital ratio | 11.9877% | 4,538 |
| Total risk-based capital ratio | 13.3162% | 4,377 |
| Memoranda: | ||
| Average total assets | $40,895,635,800 | 49 |
| Average earning assets | $39,456,106,400 | 46 |
| Average equity | $3,827,602,800 | 51 |
| Average total loans | $31,043,560,200 | 41 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7353% | 4,224 |
| Cost of funding earning assets | 0.5671% | 1,761 |
| Net interest margin | 3.1682% | 4,540 |
| Noninterest income to average assets | 0.0598% | 5,580 |
| Noninterest expense to average assets | 1.0888% | 5,668 |
| Loan and lease loss provision to assets | 0.7323% | 153 |
| Net operating income to assets | 0.8833% | 3,114 |
| Return on assets (ROA) | 0.9001% | 3,081 |
| Pretax return on assets | 1.3178% | 2,405 |
| Return on Equity (ROE) | 9.6149% | 2,298 |
| Retained earnings to average equity (ytd only) | 9.6149% | 677 |
| Net charge-offs to loans | 1.0565% | 163 |
| Credit loss provision to net charge-offs | 91.5480% | 2,442 |
| Earnings coverage of net charge-offs (x) | 2.5320% | 3,451 |
| Efficiency ratio | 34.9640% | 5,654 |
| Assets per employee ($millions) | 32.1360% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6117% | 5,302 |
| Loan loss allowance to noncurrent loans | 50.5361% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 0.9245% | 1,850 |
| Noncurrent loans to loans | 1.2105% | 1,571 |
| Net loans and leases to total assets | 75.8897% | 1,605 |
| Net loans and leases to deposits | 93.1160% | 1,411 |
| Net loans and leases to core deposits | 97.0711% | 1,972 |
| Total domestic deposits to total assets | 81.5001% | 3,920 |
| Equity capital to assets | 9.5143% | 4,430 |
| Core capital (leverage) ratio | 9.7236% | 3,909 |
| Tier 1 risk-based capital ratio | 11.9636% | 4,655 |
| Total risk-based capital ratio | 13.3221% | 4,451 |
| Memoranda: | ||
| Average total assets | $40,339,619,250 | 49 |
| Average earning assets | $38,890,248,250 | 46 |
| Average equity | $3,776,580,750 | 50 |
| Average total loans | $30,543,246,500 | 41 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7234% | 4,151 |
| Cost of funding earning assets | 0.5381% | 1,855 |
| Net interest margin | 3.1854% | 4,460 |
| Noninterest income to average assets | 0.0639% | 5,614 |
| Noninterest expense to average assets | 1.1106% | 5,719 |
| Loan and lease loss provision to assets | 1.0358% | 93 |
| Net operating income to assets | 0.7199% | 3,752 |
| Return on assets (ROA) | 0.7392% | 3,740 |
| Pretax return on assets | 1.0084% | 3,534 |
| Return on Equity (ROE) | 7.9399% | 3,068 |
| Retained earnings to average equity (ytd only) | 7.9399% | 1,193 |
| Net charge-offs to loans | 1.5770% | 110 |
| Credit loss provision to net charge-offs | 87.0033% | 2,180 |
| Earnings coverage of net charge-offs (x) | 1.6949% | 3,256 |
| Efficiency ratio | 35.5002% | 5,700 |
| Assets per employee ($millions) | 32.5488% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5943% | 5,390 |
| Loan loss allowance to noncurrent loans | 45.8535% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 0.9787% | 1,793 |
| Noncurrent loans to loans | 1.2962% | 1,481 |
| Net loans and leases to total assets | 74.9796% | 1,702 |
| Net loans and leases to deposits | 92.0341% | 1,486 |
| Net loans and leases to core deposits | 95.6455% | 2,009 |
| Total domestic deposits to total assets | 81.4694% | 4,056 |
| Equity capital to assets | 9.3256% | 4,591 |
| Core capital (leverage) ratio | 9.5214% | 4,116 |
| Tier 1 risk-based capital ratio | 11.6841% | 4,847 |
| Total risk-based capital ratio | 13.0259% | 4,671 |
| Memoranda: | ||
| Average total assets | $40,010,517,670 | 49 |
| Average earning assets | $38,493,251,670 | 46 |
| Average equity | $3,724,790,000 | 51 |
| Average total loans | $30,205,692,670 | 41 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6962% | 4,128 |
| Cost of funding earning assets | 0.5124% | 1,990 |
| Net interest margin | 3.1838% | 4,394 |
| Noninterest income to average assets | 0.0680% | 5,679 |
| Noninterest expense to average assets | 1.0527% | 5,795 |
| Loan and lease loss provision to assets | 0.1980% | 836 |
| Net operating income to assets | 1.3327% | 1,160 |
| Return on assets (ROA) | 1.3508% | 1,153 |
| Pretax return on assets | 1.9044% | 623 |
| Return on Equity (ROE) | 14.5223% | 722 |
| Retained earnings to average equity (ytd only) | 14.5223% | 266 |
| Net charge-offs to loans | 0.1225% | 1,183 |
| Credit loss provision to net charge-offs | 213.9743% | 973 |
| Earnings coverage of net charge-offs (x) | 22.4444% | 1,415 |
| Efficiency ratio | 33.6364% | 5,778 |
| Assets per employee ($millions) | 32.4983% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7391% | 5,230 |
| Loan loss allowance to noncurrent loans | 83.3377% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 0.6692% | 2,623 |
| Noncurrent loans to loans | 0.8869% | 2,255 |
| Net loans and leases to total assets | 74.6976% | 1,631 |
| Net loans and leases to deposits | 91.3125% | 1,395 |
| Net loans and leases to core deposits | 95.0848% | 1,886 |
| Total domestic deposits to total assets | 81.8044% | 4,218 |
| Equity capital to assets | 9.3501% | 4,441 |
| Core capital (leverage) ratio | 9.6088% | 3,983 |
| Tier 1 risk-based capital ratio | 12.0460% | 4,680 |
| Total risk-based capital ratio | 13.5689% | 4,402 |
| Memoranda: | ||
| Average total assets | $39,656,471,500 | 48 |
| Average earning assets | $38,133,997,000 | 45 |
| Average equity | $3,688,563,000 | 50 |
| Average total loans | $29,951,948,500 | 40 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7731% | 3,988 |
| Cost of funding earning assets | 0.4841% | 2,218 |
| Net interest margin | 3.2890% | 4,176 |
| Noninterest income to average assets | 0.0791% | 5,697 |
| Noninterest expense to average assets | 1.0497% | 5,850 |
| Loan and lease loss provision to assets | 0.4286% | 345 |
| Net operating income to assets | 1.0699% | 2,037 |
| Return on assets (ROA) | 1.0904% | 2,036 |
| Pretax return on assets | 1.8088% | 787 |
| Return on Equity (ROE) | 11.7054% | 1,338 |
| Retained earnings to average equity (ytd only) | 11.7054% | 241 |
| Net charge-offs to loans | 0.5093% | 483 |
| Credit loss provision to net charge-offs | 113.4527% | 2,318 |
| Earnings coverage of net charge-offs (x) | 5.8382% | 3,273 |
| Efficiency ratio | 32.2488% | 5,857 |
| Assets per employee ($millions) | 32.0588% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7212% | 5,320 |
| Loan loss allowance to noncurrent loans | 99.6132% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 0.5506% | 3,085 |
| Noncurrent loans to loans | 0.7240% | 2,725 |
| Net loans and leases to total assets | 75.2650% | 1,643 |
| Net loans and leases to deposits | 92.2346% | 1,418 |
| Net loans and leases to core deposits | 95.6944% | 1,948 |
| Total domestic deposits to total assets | 81.6017% | 4,178 |
| Equity capital to assets | 9.2509% | 4,517 |
| Core capital (leverage) ratio | 9.6057% | 3,959 |
| Tier 1 risk-based capital ratio | 11.9236% | 4,780 |
| Total risk-based capital ratio | 13.4569% | 4,452 |
| Memoranda: | ||
| Average total assets | $36,347,334,200 | 49 |
| Average earning assets | $35,099,103,800 | 48 |
| Average equity | $3,385,835,600 | 52 |
| Average total loans | $26,956,631,400 | 42 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7938% | 3,942 |
| Cost of funding earning assets | 0.4817% | 2,244 |
| Net interest margin | 3.3121% | 4,150 |
| Noninterest income to average assets | 0.0797% | 5,765 |
| Noninterest expense to average assets | 1.0633% | 5,913 |
| Loan and lease loss provision to assets | 0.4991% | 250 |
| Net operating income to assets | 1.0323% | 2,278 |
| Return on assets (ROA) | 1.0555% | 2,300 |
| Pretax return on assets | 1.7519% | 995 |
| Return on Equity (ROE) | 11.3091% | 1,556 |
| Retained earnings to average equity (ytd only) | 11.3091% | 387 |
| Net charge-offs to loans | 0.6275% | 327 |
| Credit loss provision to net charge-offs | 107.9084% | 2,244 |
| Earnings coverage of net charge-offs (x) | 4.7881% | 3,222 |
| Efficiency ratio | 32.4366% | 5,922 |
| Assets per employee ($millions) | 31.8385% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7241% | 5,377 |
| Loan loss allowance to noncurrent loans | 107.4882% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.5056% | 3,426 |
| Noncurrent loans to loans | 0.6736% | 3,004 |
| Net loans and leases to total assets | 74.3011% | 1,815 |
| Net loans and leases to deposits | 89.4342% | 1,829 |
| Net loans and leases to core deposits | 93.0062% | 2,276 |
| Total domestic deposits to total assets | 83.0790% | 3,555 |
| Equity capital to assets | 9.4241% | 4,746 |
| Core capital (leverage) ratio | 9.5095% | 4,167 |
| Tier 1 risk-based capital ratio | 11.9924% | 4,791 |
| Total risk-based capital ratio | 13.5582% | 4,497 |
| Memoranda: | ||
| Average total assets | $35,672,265,000 | 51 |
| Average earning assets | $34,447,711,500 | 48 |
| Average equity | $3,329,228,500 | 54 |
| Average total loans | $26,295,116,500 | 42 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8034% | 3,946 |
| Cost of funding earning assets | 0.4719% | 2,354 |
| Net interest margin | 3.3315% | 4,113 |
| Noninterest income to average assets | 0.0810% | 5,839 |
| Noninterest expense to average assets | 1.0700% | 5,992 |
| Loan and lease loss provision to assets | 0.3036% | 586 |
| Net operating income to assets | 1.1561% | 1,749 |
| Return on assets (ROA) | 1.1799% | 1,761 |
| Pretax return on assets | 1.9668% | 608 |
| Return on Equity (ROE) | 12.6870% | 1,107 |
| Retained earnings to average equity (ytd only) | 12.6870% | 252 |
| Net charge-offs to loans | 0.1812% | 1,258 |
| Credit loss provision to net charge-offs | 228.5511% | 1,188 |
| Earnings coverage of net charge-offs (x) | 16.8105% | 1,912 |
| Efficiency ratio | 32.3937% | 5,996 |
| Assets per employee ($millions) | 31.2633% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8265% | 5,205 |
| Loan loss allowance to noncurrent loans | 144.4526% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.4274% | 3,794 |
| Noncurrent loans to loans | 0.5722% | 3,352 |
| Net loans and leases to total assets | 73.8309% | 1,876 |
| Net loans and leases to deposits | 91.2186% | 1,605 |
| Net loans and leases to core deposits | 94.7145% | 2,090 |
| Total domestic deposits to total assets | 80.9384% | 4,294 |
| Equity capital to assets | 9.5617% | 4,703 |
| Core capital (leverage) ratio | 9.6048% | 4,062 |
| Tier 1 risk-based capital ratio | 12.0141% | 4,818 |
| Total risk-based capital ratio | 13.6909% | 4,476 |
| Memoranda: | ||
| Average total assets | $34,965,580,000 | 52 |
| Average earning assets | $33,818,552,330 | 49 |
| Average equity | $3,251,772,670 | 55 |
| Average total loans | $25,631,854,670 | 42 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8424% | 3,794 |
| Cost of funding earning assets | 0.4536% | 2,544 |
| Net interest margin | 3.3888% | 3,907 |
| Noninterest income to average assets | 0.0815% | 5,881 |
| Noninterest expense to average assets | 1.0948% | 6,054 |
| Loan and lease loss provision to assets | 0.2319% | 790 |
| Net operating income to assets | 1.2095% | 1,521 |
| Return on assets (ROA) | 1.2177% | 1,603 |
| Pretax return on assets | 2.0440% | 518 |
| Return on Equity (ROE) | 13.2934% | 972 |
| Retained earnings to average equity (ytd only) | 13.2934% | 368 |
| Net charge-offs to loans | 0.1254% | 1,354 |
| Credit loss provision to net charge-offs | 254.3914% | 936 |
| Earnings coverage of net charge-offs (x) | 24.8273% | 1,313 |
| Efficiency ratio | 32.6045% | 6,055 |
| Assets per employee ($millions) | 30.3473% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8139% | 5,328 |
| Loan loss allowance to noncurrent loans | 165.9022% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.3576% | 4,138 |
| Noncurrent loans to loans | 0.4906% | 3,709 |
| Net loans and leases to total assets | 72.2990% | 1,988 |
| Net loans and leases to deposits | 89.7654% | 1,601 |
| Net loans and leases to core deposits | 92.9055% | 2,097 |
| Total domestic deposits to total assets | 80.5421% | 4,622 |
| Equity capital to assets | 9.6535% | 4,497 |
| Core capital (leverage) ratio | 9.7896% | 3,792 |
| Tier 1 risk-based capital ratio | 12.4153% | 4,640 |
| Total risk-based capital ratio | 13.1888% | 4,865 |
| Memoranda: | ||
| Average total assets | $34,174,952,500 | 52 |
| Average earning assets | $33,042,685,000 | 49 |
| Average equity | $3,130,416,000 | 59 |
| Average total loans | $24,843,922,000 | 43 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7964% | 4,051 |
| Cost of funding earning assets | 0.4431% | 2,703 |
| Net interest margin | 3.3533% | 4,101 |
| Noninterest income to average assets | 0.1010% | 5,874 |
| Noninterest expense to average assets | 1.1447% | 6,099 |
| Loan and lease loss provision to assets | 0.1485% | 1,587 |
| Net operating income to assets | 1.2218% | 1,480 |
| Return on assets (ROA) | 1.2332% | 1,497 |
| Pretax return on assets | 2.0762% | 456 |
| Return on Equity (ROE) | 13.7876% | 888 |
| Retained earnings to average equity (ytd only) | 13.7876% | 172 |
| Net charge-offs to loans | 0.0674% | 2,896 |
| Credit loss provision to net charge-offs | 314.4577% | 946 |
| Earnings coverage of net charge-offs (x) | 46.7402% | 1,050 |
| Efficiency ratio | 34.1535% | 6,121 |
| Assets per employee ($millions) | 29.8133% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8043% | 5,398 |
| Loan loss allowance to noncurrent loans | 250.4598% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.2347% | 4,654 |
| Noncurrent loans to loans | 0.3211% | 4,307 |
| Net loans and leases to total assets | 71.9088% | 2,070 |
| Net loans and leases to deposits | 89.8378% | 1,633 |
| Net loans and leases to core deposits | 92.3688% | 2,182 |
| Total domestic deposits to total assets | 80.0430% | 4,732 |
| Equity capital to assets | 8.6451% | 5,430 |
| Core capital (leverage) ratio | 8.8746% | 5,030 |
| Tier 1 risk-based capital ratio | 11.3334% | 5,358 |
| Total risk-based capital ratio | 12.0979% | 5,508 |
| Memoranda: | ||
| Average total assets | $30,250,845,800 | 55 |
| Average earning assets | $29,323,961,800 | 50 |
| Average equity | $2,705,802,200 | 67 |
| Average total loans | $21,206,542,000 | 48 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7753% | 4,171 |
| Cost of funding earning assets | 0.4472% | 2,717 |
| Net interest margin | 3.3281% | 4,224 |
| Noninterest income to average assets | 0.1004% | 5,965 |
| Noninterest expense to average assets | 1.1606% | 6,184 |
| Loan and lease loss provision to assets | 0.1278% | 1,770 |
| Net operating income to assets | 1.2092% | 1,621 |
| Return on assets (ROA) | 1.2227% | 1,641 |
| Pretax return on assets | 2.0622% | 533 |
| Return on Equity (ROE) | 13.5409% | 996 |
| Retained earnings to average equity (ytd only) | 13.5409% | 235 |
| Net charge-offs to loans | 0.0631% | 2,689 |
| Credit loss provision to net charge-offs | 291.9433% | 987 |
| Earnings coverage of net charge-offs (x) | 49.5465% | 1,062 |
| Efficiency ratio | 34.8580% | 6,195 |
| Assets per employee ($millions) | 28.6540% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8013% | 5,515 |
| Loan loss allowance to noncurrent loans | 264.0328% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.2190% | 4,889 |
| Noncurrent loans to loans | 0.3035% | 4,516 |
| Net loans and leases to total assets | 70.9504% | 2,243 |
| Net loans and leases to deposits | 85.1024% | 2,268 |
| Net loans and leases to core deposits | 87.4873% | 2,707 |
| Total domestic deposits to total assets | 83.3707% | 3,666 |
| Equity capital to assets | 8.8397% | 5,450 |
| Core capital (leverage) ratio | 8.9527% | 5,051 |
| Tier 1 risk-based capital ratio | 11.5821% | 5,332 |
| Total risk-based capital ratio | 12.3447% | 5,501 |
| Memoranda: | ||
| Average total assets | $29,450,921,000 | 54 |
| Average earning assets | $28,573,494,750 | 50 |
| Average equity | $2,659,294,250 | 68 |
| Average total loans | $20,445,947,000 | 48 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7762% | 4,146 |
| Cost of funding earning assets | 0.4521% | 2,703 |
| Net interest margin | 3.3240% | 4,197 |
| Noninterest income to average assets | 0.1058% | 6,006 |
| Noninterest expense to average assets | 1.1804% | 6,252 |
| Loan and lease loss provision to assets | 0.1177% | 1,885 |
| Net operating income to assets | 1.1956% | 1,615 |
| Return on assets (ROA) | 1.2146% | 1,638 |
| Pretax return on assets | 2.0627% | 528 |
| Return on Equity (ROE) | 13.3467% | 1,045 |
| Retained earnings to average equity (ytd only) | 13.3467% | 278 |
| Net charge-offs to loans | 0.0422% | 2,851 |
| Credit loss provision to net charge-offs | 405.8795% | 739 |
| Earnings coverage of net charge-offs (x) | 74.1781% | 748 |
| Efficiency ratio | 35.4355% | 6,262 |
| Assets per employee ($millions) | 27.3444% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8436% | 5,487 |
| Loan loss allowance to noncurrent loans | 265.8510% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 4,971 |
| Noncurrent loans to loans | 0.3173% | 4,558 |
| Net loans and leases to total assets | 69.4512% | 2,416 |
| Net loans and leases to deposits | 85.1054% | 2,166 |
| Net loans and leases to core deposits | 88.0675% | 2,546 |
| Total domestic deposits to total assets | 81.6061% | 4,417 |
| Equity capital to assets | 9.0069% | 5,230 |
| Core capital (leverage) ratio | 9.1601% | 4,743 |
| Tier 1 risk-based capital ratio | 11.8484% | 5,246 |
| Total risk-based capital ratio | 12.6317% | 5,461 |
| Memoranda: | ||
| Average total assets | $28,627,720,000 | 54 |
| Average earning assets | $27,776,116,670 | 51 |
| Average equity | $2,605,166,670 | 70 |
| Average total loans | $19,651,027,670 | 49 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7660% | 4,147 |
| Cost of funding earning assets | 0.4645% | 2,624 |
| Net interest margin | 3.3015% | 4,214 |
| Noninterest income to average assets | 0.0988% | 6,091 |
| Noninterest expense to average assets | 1.1842% | 6,324 |
| Loan and lease loss provision to assets | 0.1128% | 1,831 |
| Net operating income to assets | 1.1648% | 1,650 |
| Return on assets (ROA) | 1.1931% | 1,667 |
| Pretax return on assets | 2.0469% | 545 |
| Return on Equity (ROE) | 13.0394% | 1,080 |
| Retained earnings to average equity (ytd only) | 13.0394% | 440 |
| Net charge-offs to loans | 0.0317% | 2,553 |
| Credit loss provision to net charge-offs | 524.7505% | 522 |
| Earnings coverage of net charge-offs (x) | 98.3739% | 504 |
| Efficiency ratio | 35.8876% | 6,328 |
| Assets per employee ($millions) | 26.8498% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8733% | 5,514 |
| Loan loss allowance to noncurrent loans | 539.9178% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 5,502 |
| Noncurrent loans to loans | 0.1617% | 5,192 |
| Net loans and leases to total assets | 67.7917% | 2,482 |
| Net loans and leases to deposits | 80.6767% | 2,482 |
| Net loans and leases to core deposits | 83.4003% | 2,829 |
| Total domestic deposits to total assets | 84.0288% | 3,807 |
| Equity capital to assets | 9.1622% | 5,128 |
| Core capital (leverage) ratio | 9.2437% | 4,656 |
| Tier 1 risk-based capital ratio | 12.2598% | 5,069 |
| Total risk-based capital ratio | 13.0724% | 5,253 |
| Memoranda: | ||
| Average total assets | $27,956,846,000 | 55 |
| Average earning assets | $27,104,289,000 | 51 |
| Average equity | $2,558,090,000 | 70 |
| Average total loans | $18,980,922,500 | 50 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9054% | 4,109 |
| Cost of funding earning assets | 0.5175% | 2,514 |
| Net interest margin | 3.3880% | 4,242 |
| Noninterest income to average assets | 0.1084% | 6,120 |
| Noninterest expense to average assets | 1.2074% | 6,411 |
| Loan and lease loss provision to assets | 0.1262% | 2,076 |
| Net operating income to assets | 1.1835% | 1,641 |
| Return on assets (ROA) | 1.2034% | 1,631 |
| Pretax return on assets | 2.0772% | 433 |
| Return on Equity (ROE) | 13.6103% | 1,013 |
| Retained earnings to average equity (ytd only) | 13.6103% | 198 |
| Net charge-offs to loans | 0.0112% | 4,680 |
| Credit loss provision to net charge-offs | 1,738.9603% | 174 |
| Earnings coverage of net charge-offs (x) | 299.3628% | 185 |
| Efficiency ratio | 35.7272% | 6,442 |
| Assets per employee ($millions) | 26.8620% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 5,496 |
| Loan loss allowance to noncurrent loans | 677.7934% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 5,659 |
| Noncurrent loans to loans | 0.1318% | 5,372 |
| Net loans and leases to total assets | 66.7735% | 2,761 |
| Net loans and leases to deposits | 80.6374% | 2,650 |
| Net loans and leases to core deposits | 83.2866% | 2,973 |
| Total domestic deposits to total assets | 82.8071% | 4,141 |
| Equity capital to assets | 9.1375% | 5,143 |
| Core capital (leverage) ratio | 9.2523% | 4,602 |
| Tier 1 risk-based capital ratio | 13.4921% | 4,420 |
| Total risk-based capital ratio | 14.3903% | 4,554 |
| Memoranda: | ||
| Average total assets | $24,655,440,400 | 57 |
| Average earning assets | $23,805,918,200 | 54 |
| Average equity | $2,180,003,600 | 74 |
| Average total loans | $15,960,480,400 | 54 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9183% | 4,103 |
| Cost of funding earning assets | 0.5240% | 2,529 |
| Net interest margin | 3.3942% | 4,264 |
| Noninterest income to average assets | 0.1179% | 6,174 |
| Noninterest expense to average assets | 1.2264% | 6,475 |
| Loan and lease loss provision to assets | 0.1306% | 1,920 |
| Net operating income to assets | 1.1748% | 1,775 |
| Return on assets (ROA) | 1.1966% | 1,762 |
| Pretax return on assets | 2.0691% | 484 |
| Return on Equity (ROE) | 13.6630% | 1,058 |
| Retained earnings to average equity (ytd only) | 13.6630% | 272 |
| Net charge-offs to loans | 0.0171% | 4,190 |
| Credit loss provision to net charge-offs | 1,192.7411% | 289 |
| Earnings coverage of net charge-offs (x) | 197.8026% | 323 |
| Efficiency ratio | 36.1547% | 6,506 |
| Assets per employee ($millions) | 25.6175% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9224% | 5,522 |
| Loan loss allowance to noncurrent loans | 583.6675% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.1163% | 5,700 |
| Noncurrent loans to loans | 0.1580% | 5,434 |
| Net loans and leases to total assets | 64.8200% | 3,056 |
| Net loans and leases to deposits | 78.8919% | 2,849 |
| Net loans and leases to core deposits | 81.9458% | 3,103 |
| Total domestic deposits to total assets | 82.1631% | 4,426 |
| Equity capital to assets | 9.2540% | 5,080 |
| Core capital (leverage) ratio | 9.4481% | 4,437 |
| Tier 1 risk-based capital ratio | 15.4896% | 3,329 |
| Total risk-based capital ratio | 16.5116% | 3,381 |
| Memoranda: | ||
| Average total assets | $23,989,640,500 | 59 |
| Average earning assets | $23,141,994,000 | 56 |
| Average equity | $2,100,945,000 | 75 |
| Average total loans | $15,349,099,250 | 57 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9295% | 4,020 |
| Cost of funding earning assets | 0.5304% | 2,533 |
| Net interest margin | 3.3991% | 4,176 |
| Noninterest income to average assets | 0.1199% | 6,198 |
| Noninterest expense to average assets | 1.2438% | 6,541 |
| Loan and lease loss provision to assets | 0.1356% | 1,825 |
| Net operating income to assets | 1.1575% | 1,728 |
| Return on assets (ROA) | 1.1869% | 1,705 |
| Pretax return on assets | 2.0647% | 471 |
| Return on Equity (ROE) | 13.8437% | 986 |
| Retained earnings to average equity (ytd only) | 13.8437% | 272 |
| Net charge-offs to loans | 0.0064% | 4,157 |
| Credit loss provision to net charge-offs | 3,338.6076% | 105 |
| Earnings coverage of net charge-offs (x) | 530.3143% | 132 |
| Efficiency ratio | 36.6032% | 6,570 |
| Assets per employee ($millions) | 24.6750% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 5,564 |
| Loan loss allowance to noncurrent loans | 427.8579% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 5,686 |
| Noncurrent loans to loans | 0.2221% | 5,339 |
| Net loans and leases to total assets | 63.9341% | 3,079 |
| Net loans and leases to deposits | 79.3624% | 2,602 |
| Net loans and leases to core deposits | 83.0407% | 2,848 |
| Total domestic deposits to total assets | 80.5597% | 5,107 |
| Equity capital to assets | 9.3376% | 4,935 |
| Core capital (leverage) ratio | 9.5452% | 4,258 |
| Tier 1 risk-based capital ratio | 15.6485% | 3,269 |
| Total risk-based capital ratio | 16.6896% | 3,330 |
| Memoranda: | ||
| Average total assets | $23,336,025,670 | 61 |
| Average earning assets | $22,506,671,670 | 57 |
| Average equity | $2,000,770,670 | 75 |
| Average total loans | $14,806,227,670 | 58 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9523% | 3,885 |
| Cost of funding earning assets | 0.5346% | 2,556 |
| Net interest margin | 3.4177% | 4,036 |
| Noninterest income to average assets | 0.1140% | 6,285 |
| Noninterest expense to average assets | 1.2481% | 6,613 |
| Loan and lease loss provision to assets | 0.1440% | 1,696 |
| Net operating income to assets | 1.1542% | 1,614 |
| Return on assets (ROA) | 1.1610% | 1,666 |
| Pretax return on assets | 2.0301% | 502 |
| Return on Equity (ROE) | 14.2253% | 902 |
| Retained earnings to average equity (ytd only) | 14.2253% | 373 |
| Net charge-offs to loans | -0.0068% | 4,910 |
| Credit loss provision to net charge-offs | -3,355.7377% | 5,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.5859% | 6,635 |
| Assets per employee ($millions) | 23.6242% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 5,599 |
| Loan loss allowance to noncurrent loans | 388.9181% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.1874% | 5,661 |
| Noncurrent loans to loans | 0.2519% | 5,348 |
| Net loans and leases to total assets | 62.7733% | 3,110 |
| Net loans and leases to deposits | 79.2203% | 2,403 |
| Net loans and leases to core deposits | 83.5164% | 2,571 |
| Total domestic deposits to total assets | 79.2389% | 5,646 |
| Equity capital to assets | 8.2761% | 5,845 |
| Core capital (leverage) ratio | 8.5051% | 5,634 |
| Tier 1 risk-based capital ratio | 14.0875% | 4,269 |
| Total risk-based capital ratio | 15.1427% | 4,349 |
| Memoranda: | ||
| Average total assets | $22,740,542,500 | 62 |
| Average earning assets | $21,941,118,000 | 58 |
| Average equity | $1,856,044,500 | 77 |
| Average total loans | $14,293,570,500 | 59 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9883% | 4,127 |
| Cost of funding earning assets | 0.5608% | 3,014 |
| Net interest margin | 3.4276% | 4,175 |
| Noninterest income to average assets | 0.1340% | 6,262 |
| Noninterest expense to average assets | 1.2730% | 6,691 |
| Loan and lease loss provision to assets | 0.2107% | 1,750 |
| Net operating income to assets | 1.1406% | 1,790 |
| Return on assets (ROA) | 1.1573% | 1,789 |
| Pretax return on assets | 1.9809% | 505 |
| Return on Equity (ROE) | 13.2495% | 1,118 |
| Retained earnings to average equity (ytd only) | 13.2495% | 232 |
| Net charge-offs to loans | 0.1185% | 3,623 |
| Credit loss provision to net charge-offs | 297.3226% | 767 |
| Earnings coverage of net charge-offs (x) | 30.5600% | 1,170 |
| Efficiency ratio | 37.0219% | 6,723 |
| Assets per employee ($millions) | 23.6790% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 5,707 |
| Loan loss allowance to noncurrent loans | 399.8431% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 5,797 |
| Noncurrent loans to loans | 0.2423% | 5,453 |
| Net loans and leases to total assets | 61.6944% | 3,414 |
| Net loans and leases to deposits | 80.9291% | 2,331 |
| Net loans and leases to core deposits | 85.3133% | 2,530 |
| Total domestic deposits to total assets | 76.2328% | 6,075 |
| Equity capital to assets | 8.0438% | 5,985 |
| Core capital (leverage) ratio | 8.5435% | 5,616 |
| Tier 1 risk-based capital ratio | 14.0660% | 4,256 |
| Total risk-based capital ratio | 15.0998% | 4,345 |
| Memoranda: | ||
| Average total assets | $19,765,664,400 | 66 |
| Average earning assets | $19,055,910,200 | 61 |
| Average equity | $1,726,422,000 | 80 |
| Average total loans | $11,823,105,600 | 69 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9937% | 4,154 |
| Cost of funding earning assets | 0.5683% | 3,096 |
| Net interest margin | 3.4254% | 4,184 |
| Noninterest income to average assets | 0.1395% | 6,333 |
| Noninterest expense to average assets | 1.2974% | 6,745 |
| Loan and lease loss provision to assets | 0.2135% | 1,706 |
| Net operating income to assets | 1.1213% | 1,925 |
| Return on assets (ROA) | 1.1469% | 1,898 |
| Pretax return on assets | 1.9721% | 614 |
| Return on Equity (ROE) | 12.8334% | 1,277 |
| Retained earnings to average equity (ytd only) | 12.8334% | 348 |
| Net charge-offs to loans | 0.1318% | 3,222 |
| Credit loss provision to net charge-offs | 274.0462% | 928 |
| Earnings coverage of net charge-offs (x) | 27.5450% | 1,306 |
| Efficiency ratio | 37.6835% | 6,784 |
| Assets per employee ($millions) | 22.8580% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 5,683 |
| Loan loss allowance to noncurrent loans | 252.1054% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.2607% | 5,658 |
| Noncurrent loans to loans | 0.3990% | 5,196 |
| Net loans and leases to total assets | 59.4378% | 3,789 |
| Net loans and leases to deposits | 77.7952% | 2,702 |
| Net loans and leases to core deposits | 81.8129% | 2,889 |
| Total domestic deposits to total assets | 76.4029% | 6,123 |
| Equity capital to assets | 8.3812% | 5,847 |
| Core capital (leverage) ratio | 8.7354% | 5,488 |
| Tier 1 risk-based capital ratio | 14.6111% | 4,007 |
| Total risk-based capital ratio | 15.6595% | 4,100 |
| Memoranda: | ||
| Average total assets | $19,112,914,750 | 66 |
| Average earning assets | $18,432,813,000 | 63 |
| Average equity | $1,708,042,750 | 80 |
| Average total loans | $11,293,824,500 | 70 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0007% | 4,109 |
| Cost of funding earning assets | 0.5761% | 3,159 |
| Net interest margin | 3.4246% | 4,090 |
| Noninterest income to average assets | 0.1508% | 6,295 |
| Noninterest expense to average assets | 1.3272% | 6,774 |
| Loan and lease loss provision to assets | 0.2120% | 1,785 |
| Net operating income to assets | 1.0997% | 1,930 |
| Return on assets (ROA) | 1.1280% | 1,942 |
| Pretax return on assets | 1.9564% | 654 |
| Return on Equity (ROE) | 12.3318% | 1,394 |
| Retained earnings to average equity (ytd only) | 12.3318% | 444 |
| Net charge-offs to loans | 0.1485% | 2,916 |
| Credit loss provision to net charge-offs | 243.1745% | 1,037 |
| Earnings coverage of net charge-offs (x) | 24.3616% | 1,301 |
| Efficiency ratio | 38.4522% | 6,822 |
| Assets per employee ($millions) | 21.9872% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 5,719 |
| Loan loss allowance to noncurrent loans | 290.4069% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.2501% | 5,737 |
| Noncurrent loans to loans | 0.3530% | 5,400 |
| Net loans and leases to total assets | 58.2364% | 3,947 |
| Net loans and leases to deposits | 75.1931% | 2,991 |
| Net loans and leases to core deposits | 78.2174% | 3,259 |
| Total domestic deposits to total assets | 77.4491% | 6,068 |
| Equity capital to assets | 8.6514% | 5,611 |
| Core capital (leverage) ratio | 9.1433% | 4,766 |
| Tier 1 risk-based capital ratio | 14.8949% | 3,845 |
| Total risk-based capital ratio | 15.9351% | 3,940 |
| Memoranda: | ||
| Average total assets | $18,481,724,330 | 65 |
| Average earning assets | $17,813,167,330 | 64 |
| Average equity | $1,690,525,000 | 81 |
| Average total loans | $10,854,214,330 | 71 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0514% | 3,917 |
| Cost of funding earning assets | 0.5922% | 3,179 |
| Net interest margin | 3.4592% | 3,865 |
| Noninterest income to average assets | 0.1489% | 6,358 |
| Noninterest expense to average assets | 1.3434% | 6,853 |
| Loan and lease loss provision to assets | 0.2223% | 1,663 |
| Net operating income to assets | 1.1032% | 1,844 |
| Return on assets (ROA) | 1.1339% | 1,849 |
| Pretax return on assets | 1.9727% | 624 |
| Return on Equity (ROE) | 12.0365% | 1,413 |
| Retained earnings to average equity (ytd only) | 12.0365% | 698 |
| Net charge-offs to loans | 0.1735% | 2,361 |
| Credit loss provision to net charge-offs | 218.3938% | 1,021 |
| Earnings coverage of net charge-offs (x) | 21.0942% | 1,168 |
| Efficiency ratio | 38.4874% | 6,894 |
| Assets per employee ($millions) | 21.1910% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 5,821 |
| Loan loss allowance to noncurrent loans | 217.8527% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 5,621 |
| Noncurrent loans to loans | 0.4787% | 5,226 |
| Net loans and leases to total assets | 58.5984% | 3,677 |
| Net loans and leases to deposits | 72.3132% | 3,137 |
| Net loans and leases to core deposits | 75.3896% | 3,400 |
| Total domestic deposits to total assets | 81.0342% | 5,486 |
| Equity capital to assets | 9.3886% | 5,014 |
| Core capital (leverage) ratio | 9.3125% | 4,379 |
| Tier 1 risk-based capital ratio | 15.2140% | 3,701 |
| Total risk-based capital ratio | 16.2560% | 3,789 |
| Memoranda: | ||
| Average total assets | $17,861,349,500 | 68 |
| Average earning assets | $17,253,591,000 | 64 |
| Average equity | $1,682,654,000 | 80 |
| Average total loans | $10,479,009,000 | 71 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3035% | 4,176 |
| Cost of funding earning assets | 0.7196% | 3,333 |
| Net interest margin | 3.5839% | 4,165 |
| Noninterest income to average assets | 0.1476% | 6,301 |
| Noninterest expense to average assets | 1.3778% | 6,918 |
| Loan and lease loss provision to assets | 0.2598% | 2,569 |
| Net operating income to assets | 1.1141% | 1,890 |
| Return on assets (ROA) | 1.1631% | 1,882 |
| Pretax return on assets | 2.0466% | 553 |
| Return on Equity (ROE) | 12.1667% | 1,464 |
| Retained earnings to average equity (ytd only) | 12.1667% | 310 |
| Net charge-offs to loans | 0.2361% | 3,521 |
| Credit loss provision to net charge-offs | 205.5420% | 1,247 |
| Earnings coverage of net charge-offs (x) | 17.6421% | 1,495 |
| Efficiency ratio | 38.1926% | 6,966 |
| Assets per employee ($millions) | 20.6825% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0594% | 5,721 |
| Loan loss allowance to noncurrent loans | 192.0332% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.3585% | 5,614 |
| Noncurrent loans to loans | 0.5517% | 5,147 |
| Net loans and leases to total assets | 57.4804% | 4,059 |
| Net loans and leases to deposits | 71.2447% | 3,530 |
| Net loans and leases to core deposits | 74.2108% | 3,756 |
| Total domestic deposits to total assets | 80.6802% | 5,492 |
| Equity capital to assets | 9.4542% | 4,930 |
| Core capital (leverage) ratio | 9.5104% | 4,089 |
| Tier 1 risk-based capital ratio | 15.3212% | 3,528 |
| Total risk-based capital ratio | 16.3524% | 3,614 |
| Memoranda: | ||
| Average total assets | $15,947,126,800 | 72 |
| Average earning assets | $15,395,740,800 | 68 |
| Average equity | $1,524,510,800 | 89 |
| Average total loans | $8,537,076,800 | 86 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3314% | 4,324 |
| Cost of funding earning assets | 0.7488% | 3,364 |
| Net interest margin | 3.5825% | 4,309 |
| Noninterest income to average assets | 0.1508% | 6,393 |
| Noninterest expense to average assets | 1.3798% | 6,998 |
| Loan and lease loss provision to assets | 0.2658% | 2,451 |
| Net operating income to assets | 1.1075% | 2,061 |
| Return on assets (ROA) | 1.1590% | 2,067 |
| Pretax return on assets | 2.0451% | 636 |
| Return on Equity (ROE) | 12.0868% | 1,603 |
| Retained earnings to average equity (ytd only) | 12.0868% | 514 |
| Net charge-offs to loans | 0.2342% | 3,319 |
| Credit loss provision to net charge-offs | 217.1926% | 1,281 |
| Earnings coverage of net charge-offs (x) | 18.2250% | 1,573 |
| Efficiency ratio | 38.2202% | 7,040 |
| Assets per employee ($millions) | 19.9748% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1225% | 5,627 |
| Loan loss allowance to noncurrent loans | 174.5776% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 5,740 |
| Noncurrent loans to loans | 0.6430% | 5,154 |
| Net loans and leases to total assets | 55.0768% | 4,585 |
| Net loans and leases to deposits | 66.5346% | 4,403 |
| Net loans and leases to core deposits | 69.3617% | 4,576 |
| Total domestic deposits to total assets | 82.7793% | 4,732 |
| Equity capital to assets | 9.6255% | 5,026 |
| Core capital (leverage) ratio | 9.6012% | 4,114 |
| Tier 1 risk-based capital ratio | 16.1473% | 3,193 |
| Total risk-based capital ratio | 17.2317% | 3,243 |
| Memoranda: | ||
| Average total assets | $15,569,894,750 | 75 |
| Average earning assets | $15,034,798,750 | 70 |
| Average equity | $1,493,056,750 | 93 |
| Average total loans | $8,136,036,500 | 90 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3208% | 4,486 |
| Cost of funding earning assets | 0.7733% | 3,421 |
| Net interest margin | 3.5475% | 4,480 |
| Noninterest income to average assets | 0.1506% | 6,443 |
| Noninterest expense to average assets | 1.3820% | 7,064 |
| Loan and lease loss provision to assets | 0.2746% | 2,390 |
| Net operating income to assets | 1.0860% | 2,099 |
| Return on assets (ROA) | 1.1477% | 2,099 |
| Pretax return on assets | 2.0143% | 683 |
| Return on Equity (ROE) | 11.9851% | 1,675 |
| Retained earnings to average equity (ytd only) | 11.9851% | 588 |
| Net charge-offs to loans | 0.2497% | 3,082 |
| Credit loss provision to net charge-offs | 215.5546% | 1,311 |
| Earnings coverage of net charge-offs (x) | 17.2123% | 1,545 |
| Efficiency ratio | 38.6640% | 7,085 |
| Assets per employee ($millions) | 20.6691% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 5,525 |
| Loan loss allowance to noncurrent loans | 200.7151% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.3341% | 5,921 |
| Noncurrent loans to loans | 0.5781% | 5,357 |
| Net loans and leases to total assets | 52.2646% | 5,066 |
| Net loans and leases to deposits | 64.0414% | 4,762 |
| Net loans and leases to core deposits | 66.8603% | 4,909 |
| Total domestic deposits to total assets | 81.6106% | 5,259 |
| Equity capital to assets | 9.5512% | 4,985 |
| Core capital (leverage) ratio | 9.5678% | 4,047 |
| Tier 1 risk-based capital ratio | 16.4527% | 2,945 |
| Total risk-based capital ratio | 17.5483% | 2,980 |
| Memoranda: | ||
| Average total assets | $15,273,442,000 | 76 |
| Average earning assets | $14,740,800,330 | 71 |
| Average equity | $1,462,648,330 | 93 |
| Average total loans | $7,791,999,330 | 94 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3101% | 4,695 |
| Cost of funding earning assets | 0.7998% | 3,475 |
| Net interest margin | 3.5103% | 4,641 |
| Noninterest income to average assets | 0.1894% | 6,245 |
| Noninterest expense to average assets | 1.3472% | 7,152 |
| Loan and lease loss provision to assets | 0.2849% | 2,185 |
| Net operating income to assets | 1.0969% | 2,099 |
| Return on assets (ROA) | 1.1319% | 2,131 |
| Pretax return on assets | 2.0010% | 733 |
| Return on Equity (ROE) | 11.8027% | 1,732 |
| Retained earnings to average equity (ytd only) | 11.8027% | 853 |
| Net charge-offs to loans | 0.2691% | 2,592 |
| Credit loss provision to net charge-offs | 211.5873% | 1,287 |
| Earnings coverage of net charge-offs (x) | 16.5720% | 1,352 |
| Efficiency ratio | 37.6471% | 7,157 |
| Assets per employee ($millions) | 19.8963% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 5,557 |
| Loan loss allowance to noncurrent loans | 130.5782% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.5065% | 5,596 |
| Noncurrent loans to loans | 0.9082% | 4,852 |
| Net loans and leases to total assets | 50.0489% | 5,300 |
| Net loans and leases to deposits | 61.1453% | 5,024 |
| Net loans and leases to core deposits | 63.6999% | 5,150 |
| Total domestic deposits to total assets | 81.8524% | 5,345 |
| Equity capital to assets | 9.5789% | 4,682 |
| Core capital (leverage) ratio | 9.6175% | 3,893 |
| Tier 1 risk-based capital ratio | 16.8568% | 2,735 |
| Total risk-based capital ratio | 17.9586% | 2,761 |
| Memoranda: | ||
| Average total assets | $14,973,244,000 | 77 |
| Average earning assets | $14,456,270,000 | 72 |
| Average equity | $1,435,904,000 | 94 |
| Average total loans | $7,491,100,000 | 96 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5954% | 4,697 |
| Cost of funding earning assets | 0.9560% | 3,682 |
| Net interest margin | 3.6393% | 4,568 |
| Noninterest income to average assets | 0.1986% | 6,082 |
| Noninterest expense to average assets | 1.3881% | 7,221 |
| Loan and lease loss provision to assets | 0.3950% | 2,625 |
| Net operating income to assets | 1.0635% | 1,944 |
| Return on assets (ROA) | 1.1386% | 1,816 |
| Pretax return on assets | 2.0348% | 496 |
| Return on Equity (ROE) | 12.9626% | 1,175 |
| Retained earnings to average equity (ytd only) | 12.9626% | 228 |
| Net charge-offs to loans | 0.5163% | 2,923 |
| Credit loss provision to net charge-offs | 156.6777% | 1,791 |
| Earnings coverage of net charge-offs (x) | 9.1719% | 2,027 |
| Efficiency ratio | 37.5111% | 7,239 |
| Assets per employee ($millions) | 20.3696% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 5,445 |
| Loan loss allowance to noncurrent loans | 164.0400% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.4080% | 5,950 |
| Noncurrent loans to loans | 0.7252% | 5,247 |
| Net loans and leases to total assets | 48.7967% | 5,742 |
| Net loans and leases to deposits | 60.8831% | 5,382 |
| Net loans and leases to core deposits | 63.5680% | 5,514 |
| Total domestic deposits to total assets | 80.1482% | 5,703 |
| Equity capital to assets | 9.6011% | 4,745 |
| Core capital (leverage) ratio | 9.6683% | 3,782 |
| Tier 1 risk-based capital ratio | 17.0849% | 2,566 |
| Total risk-based capital ratio | 18.1659% | 2,600 |
| Memoranda: | ||
| Average total assets | $13,132,393,000 | 85 |
| Average earning assets | $12,636,680,200 | 77 |
| Average equity | $1,153,508,800 | 115 |
| Average total loans | $6,412,829,400 | 103 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6330% | 4,732 |
| Cost of funding earning assets | 0.9930% | 3,734 |
| Net interest margin | 3.6399% | 4,617 |
| Noninterest income to average assets | 0.2038% | 6,149 |
| Noninterest expense to average assets | 1.4136% | 7,270 |
| Loan and lease loss provision to assets | 0.3900% | 2,516 |
| Net operating income to assets | 1.0509% | 2,135 |
| Return on assets (ROA) | 1.1457% | 1,943 |
| Pretax return on assets | 2.0474% | 574 |
| Return on Equity (ROE) | 13.4022% | 1,184 |
| Retained earnings to average equity (ytd only) | 13.4022% | 341 |
| Net charge-offs to loans | 0.4547% | 2,913 |
| Credit loss provision to net charge-offs | 176.2191% | 1,691 |
| Earnings coverage of net charge-offs (x) | 10.3430% | 1,937 |
| Efficiency ratio | 38.1751% | 7,286 |
| Assets per employee ($millions) | 19.4630% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 5,364 |
| Loan loss allowance to noncurrent loans | 121.2349% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.5628% | 5,705 |
| Noncurrent loans to loans | 1.0113% | 4,870 |
| Net loans and leases to total assets | 48.5592% | 5,885 |
| Net loans and leases to deposits | 60.1427% | 5,612 |
| Net loans and leases to core deposits | 62.9830% | 5,719 |
| Total domestic deposits to total assets | 80.7400% | 5,518 |
| Equity capital to assets | 9.8528% | 4,545 |
| Core capital (leverage) ratio | 9.8449% | 3,653 |
| Tier 1 risk-based capital ratio | 17.2753% | 2,537 |
| Total risk-based capital ratio | 18.3699% | 2,559 |
| Memoranda: | ||
| Average total assets | $12,748,961,000 | 87 |
| Average earning assets | $12,255,483,250 | 81 |
| Average equity | $1,089,857,000 | 117 |
| Average total loans | $6,205,349,000 | 104 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6639% | 4,685 |
| Cost of funding earning assets | 1.0152% | 3,846 |
| Net interest margin | 3.6487% | 4,528 |
| Noninterest income to average assets | 0.2089% | 6,170 |
| Noninterest expense to average assets | 1.4458% | 7,338 |
| Loan and lease loss provision to assets | 0.4067% | 2,400 |
| Net operating income to assets | 1.0269% | 2,116 |
| Return on assets (ROA) | 1.1503% | 1,797 |
| Pretax return on assets | 2.0504% | 532 |
| Return on Equity (ROE) | 14.2686% | 926 |
| Retained earnings to average equity (ytd only) | 14.2686% | 291 |
| Net charge-offs to loans | 0.4731% | 2,682 |
| Credit loss provision to net charge-offs | 177.2746% | 1,696 |
| Earnings coverage of net charge-offs (x) | 9.8694% | 1,874 |
| Efficiency ratio | 38.9703% | 7,349 |
| Assets per employee ($millions) | 19.1860% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2213% | 5,456 |
| Loan loss allowance to noncurrent loans | 125.6352% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.5290% | 5,857 |
| Noncurrent loans to loans | 0.9721% | 5,042 |
| Net loans and leases to total assets | 48.4439% | 6,004 |
| Net loans and leases to deposits | 58.2867% | 5,905 |
| Net loans and leases to core deposits | 61.1291% | 5,985 |
| Total domestic deposits to total assets | 83.1133% | 4,710 |
| Equity capital to assets | 8.0753% | 6,622 |
| Core capital (leverage) ratio | 8.1523% | 6,094 |
| Tier 1 risk-based capital ratio | 14.1992% | 4,016 |
| Total risk-based capital ratio | 15.2871% | 4,114 |
| Memoranda: | ||
| Average total assets | $12,379,398,330 | 90 |
| Average earning assets | $11,878,386,330 | 86 |
| Average equity | $998,022,000 | 124 |
| Average total loans | $6,002,902,000 | 107 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6195% | 4,861 |
| Cost of funding earning assets | 1.0207% | 4,059 |
| Net interest margin | 3.5988% | 4,573 |
| Noninterest income to average assets | 0.2241% | 6,124 |
| Noninterest expense to average assets | 1.4870% | 7,370 |
| Loan and lease loss provision to assets | 0.4098% | 2,144 |
| Net operating income to assets | 0.9726% | 2,271 |
| Return on assets (ROA) | 1.1503% | 1,712 |
| Pretax return on assets | 2.0537% | 509 |
| Return on Equity (ROE) | 14.2808% | 937 |
| Retained earnings to average equity (ytd only) | 14.2808% | 451 |
| Net charge-offs to loans | 0.4491% | 2,353 |
| Credit loss provision to net charge-offs | 189.3653% | 1,556 |
| Earnings coverage of net charge-offs (x) | 10.1007% | 1,660 |
| Efficiency ratio | 40.4848% | 7,379 |
| Assets per employee ($millions) | 18.3956% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 5,494 |
| Loan loss allowance to noncurrent loans | 142.5781% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 6,039 |
| Noncurrent loans to loans | 0.8609% | 5,320 |
| Net loans and leases to total assets | 47.5853% | 6,128 |
| Net loans and leases to deposits | 57.8070% | 5,943 |
| Net loans and leases to core deposits | 60.9580% | 6,017 |
| Total domestic deposits to total assets | 82.3176% | 5,185 |
| Equity capital to assets | 8.0199% | 6,474 |
| Core capital (leverage) ratio | 8.2852% | 5,835 |
| Tier 1 risk-based capital ratio | 13.8735% | 4,156 |
| Total risk-based capital ratio | 14.9073% | 4,292 |
| Memoranda: | ||
| Average total assets | $12,026,675,000 | 92 |
| Average earning assets | $11,525,514,000 | 88 |
| Average equity | $968,713,500 | 127 |
| Average total loans | $5,795,760,500 | 110 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7603% | 5,579 |
| Cost of funding earning assets | 1.2413% | 4,272 |
| Net interest margin | 3.5190% | 5,166 |
| Noninterest income to average assets | 0.2498% | 6,012 |
| Noninterest expense to average assets | 1.5895% | 7,414 |
| Loan and lease loss provision to assets | 0.4470% | 3,446 |
| Net operating income to assets | 0.8817% | 2,462 |
| Return on assets (ROA) | 0.9836% | 2,208 |
| Pretax return on assets | 1.6987% | 941 |
| Return on Equity (ROE) | 11.6261% | 1,414 |
| Retained earnings to average equity (ytd only) | 11.6261% | 308 |
| Net charge-offs to loans | 0.6710% | 2,997 |
| Credit loss provision to net charge-offs | 136.0082% | 2,839 |
| Earnings coverage of net charge-offs (x) | 6.0445% | 2,456 |
| Efficiency ratio | 44.4509% | 7,401 |
| Assets per employee ($millions) | 17.6865% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 5,523 |
| Loan loss allowance to noncurrent loans | 130.4784% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.5034% | 6,020 |
| Noncurrent loans to loans | 0.9179% | 5,221 |
| Net loans and leases to total assets | 47.6286% | 6,424 |
| Net loans and leases to deposits | 58.8732% | 6,167 |
| Net loans and leases to core deposits | 62.4074% | 6,204 |
| Total domestic deposits to total assets | 80.9003% | 5,549 |
| Equity capital to assets | 8.0917% | 6,393 |
| Core capital (leverage) ratio | 8.6185% | 5,164 |
| Tier 1 risk-based capital ratio | 14.2094% | 3,733 |
| Total risk-based capital ratio | 15.2111% | 3,861 |
| Memoranda: | ||
| Average total assets | $10,375,058,800 | 106 |
| Average earning assets | $9,806,236,200 | 96 |
| Average equity | $877,773,200 | 128 |
| Average total loans | $5,081,214,200 | 123 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8134% | 5,601 |
| Cost of funding earning assets | 1.3030% | 4,193 |
| Net interest margin | 3.5104% | 5,250 |
| Noninterest income to average assets | 0.2499% | 6,101 |
| Noninterest expense to average assets | 1.6435% | 7,473 |
| Loan and lease loss provision to assets | 0.4350% | 3,299 |
| Net operating income to assets | 0.8361% | 2,858 |
| Return on assets (ROA) | 0.9515% | 2,536 |
| Pretax return on assets | 1.6566% | 1,198 |
| Return on Equity (ROE) | 11.1058% | 1,754 |
| Retained earnings to average equity (ytd only) | 11.1058% | 592 |
| Net charge-offs to loans | 0.5252% | 3,198 |
| Credit loss provision to net charge-offs | 168.3730% | 2,217 |
| Earnings coverage of net charge-offs (x) | 7.3978% | 2,341 |
| Efficiency ratio | 46.2320% | 7,374 |
| Assets per employee ($millions) | 16.9534% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2894% | 5,026 |
| Loan loss allowance to noncurrent loans | 136.6343% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.5401% | 6,073 |
| Noncurrent loans to loans | 0.9437% | 5,346 |
| Net loans and leases to total assets | 47.9109% | 6,531 |
| Net loans and leases to deposits | 57.8748% | 6,472 |
| Net loans and leases to core deposits | 61.3119% | 6,514 |
| Total domestic deposits to total assets | 82.7838% | 4,683 |
| Equity capital to assets | 8.4117% | 6,377 |
| Core capital (leverage) ratio | 8.6647% | 5,255 |
| Tier 1 risk-based capital ratio | 13.5027% | 4,205 |
| Total risk-based capital ratio | 14.5099% | 4,349 |
| Memoranda: | ||
| Average total assets | $10,050,551,000 | 109 |
| Average earning assets | $9,462,543,500 | 102 |
| Average equity | $861,079,750 | 130 |
| Average total loans | $4,944,736,000 | 124 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8380% | 5,655 |
| Cost of funding earning assets | 1.3423% | 4,240 |
| Net interest margin | 3.4957% | 5,265 |
| Noninterest income to average assets | 0.2582% | 6,071 |
| Noninterest expense to average assets | 1.6688% | 7,526 |
| Loan and lease loss provision to assets | 0.4584% | 3,026 |
| Net operating income to assets | 0.7968% | 2,991 |
| Return on assets (ROA) | 0.9095% | 2,630 |
| Pretax return on assets | 1.5870% | 1,332 |
| Return on Equity (ROE) | 10.5438% | 1,911 |
| Retained earnings to average equity (ytd only) | 10.5438% | 738 |
| Net charge-offs to loans | 0.5260% | 2,956 |
| Credit loss provision to net charge-offs | 176.2434% | 2,222 |
| Earnings coverage of net charge-offs (x) | 7.1877% | 2,348 |
| Efficiency ratio | 47.1641% | 7,387 |
| Assets per employee ($millions) | 16.1984% | 85 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 5,083 |
| Loan loss allowance to noncurrent loans | 111.5697% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.6286% | 5,918 |
| Noncurrent loans to loans | 1.1385% | 5,057 |
| Net loans and leases to total assets | 48.5028% | 6,590 |
| Net loans and leases to deposits | 59.4494% | 6,461 |
| Net loans and leases to core deposits | 63.4981% | 6,449 |
| Total domestic deposits to total assets | 81.5867% | 5,156 |
| Equity capital to assets | 8.5416% | 6,114 |
| Core capital (leverage) ratio | 8.9839% | 4,629 |
| Tier 1 risk-based capital ratio | 13.5537% | 4,038 |
| Total risk-based capital ratio | 14.5401% | 4,177 |
| Memoranda: | ||
| Average total assets | $9,755,743,330 | 108 |
| Average earning assets | $9,153,871,670 | 100 |
| Average equity | $841,500,330 | 130 |
| Average total loans | $4,823,820,670 | 126 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9575% | 5,202 |
| Cost of funding earning assets | 1.3678% | 4,372 |
| Net interest margin | 3.5897% | 4,776 |
| Noninterest income to average assets | 0.2803% | 5,899 |
| Noninterest expense to average assets | 1.6852% | 7,588 |
| Loan and lease loss provision to assets | 0.4759% | 2,600 |
| Net operating income to assets | 0.8150% | 2,899 |
| Return on assets (ROA) | 0.9360% | 2,472 |
| Pretax return on assets | 1.6483% | 1,165 |
| Return on Equity (ROE) | 10.7933% | 1,836 |
| Retained earnings to average equity (ytd only) | 10.7933% | 961 |
| Net charge-offs to loans | 0.5462% | 2,437 |
| Credit loss provision to net charge-offs | 175.5705% | 2,074 |
| Earnings coverage of net charge-offs (x) | 7.1391% | 2,126 |
| Efficiency ratio | 46.5496% | 7,522 |
| Assets per employee ($millions) | 15.6810% | 98 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 5,064 |
| Loan loss allowance to noncurrent loans | 108.3043% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.6552% | 5,879 |
| Noncurrent loans to loans | 1.1775% | 5,008 |
| Net loans and leases to total assets | 47.6619% | 6,707 |
| Net loans and leases to deposits | 58.7511% | 6,575 |
| Net loans and leases to core deposits | 62.4055% | 6,567 |
| Total domestic deposits to total assets | 81.1251% | 5,411 |
| Equity capital to assets | 8.5640% | 5,921 |
| Core capital (leverage) ratio | 9.0953% | 4,383 |
| Tier 1 risk-based capital ratio | 13.6636% | 3,886 |
| Total risk-based capital ratio | 14.6159% | 4,036 |
| Memoranda: | ||
| Average total assets | $9,442,013,000 | 111 |
| Average earning assets | $8,784,931,000 | 105 |
| Average equity | $818,805,500 | 130 |
| Average total loans | $4,685,263,000 | 131 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1371% | 5,933 |
| Cost of funding earning assets | 1.6448% | 4,820 |
| Net interest margin | 3.4923% | 4,993 |
| Noninterest income to average assets | 0.2984% | 5,963 |
| Noninterest expense to average assets | 1.8651% | 7,549 |
| Loan and lease loss provision to assets | 0.5307% | 3,721 |
| Net operating income to assets | 0.6962% | 2,944 |
| Return on assets (ROA) | 0.7793% | 2,700 |
| Pretax return on assets | 1.2974% | 1,702 |
| Return on Equity (ROE) | 8.7284% | 2,110 |
| Retained earnings to average equity (ytd only) | 8.7284% | 536 |
| Net charge-offs to loans | 0.6027% | 3,412 |
| Credit loss provision to net charge-offs | 173.7583% | 2,434 |
| Earnings coverage of net charge-offs (x) | 5.5604% | 2,561 |
| Efficiency ratio | 52.3416% | 7,361 |
| Assets per employee ($millions) | 14.8960% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 5,471 |
| Loan loss allowance to noncurrent loans | 87.5032% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.7862% | 5,532 |
| Noncurrent loans to loans | 1.3491% | 4,671 |
| Net loans and leases to total assets | 50.4496% | 6,584 |
| Net loans and leases to deposits | 63.8769% | 6,279 |
| Net loans and leases to core deposits | 70.0719% | 6,767 |
| Total domestic deposits to total assets | 78.9794% | 5,985 |
| Equity capital to assets | 8.7869% | 5,460 |
| Core capital (leverage) ratio | 9.3883% | 3,844 |
| Tier 1 risk-based capital ratio | 13.5699% | 3,781 |
| Total risk-based capital ratio | 14.4655% | 3,947 |
| Memoranda: | ||
| Average total assets | $8,049,235,800 | 127 |
| Average earning assets | $7,525,181,800 | 121 |
| Average equity | $718,653,800 | 136 |
| Average total loans | $4,078,665,600 | 143 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1516% | 6,103 |
| Cost of funding earning assets | 1.7078% | 4,857 |
| Net interest margin | 3.4439% | 5,093 |
| Noninterest income to average assets | 0.3080% | 6,020 |
| Noninterest expense to average assets | 1.9148% | 7,522 |
| Loan and lease loss provision to assets | 0.5295% | 3,267 |
| Net operating income to assets | 0.6403% | 3,450 |
| Return on assets (ROA) | 0.7161% | 3,219 |
| Pretax return on assets | 1.1889% | 2,302 |
| Return on Equity (ROE) | 7.9829% | 2,643 |
| Retained earnings to average equity (ytd only) | 7.9829% | 1,141 |
| Net charge-offs to loans | 0.6161% | 2,830 |
| Credit loss provision to net charge-offs | 169.9956% | 2,742 |
| Earnings coverage of net charge-offs (x) | 5.1366% | 2,913 |
| Efficiency ratio | 54.4780% | 7,183 |
| Assets per employee ($millions) | 14.3116% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 5,533 |
| Loan loss allowance to noncurrent loans | 76.2695% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 0.8423% | 5,407 |
| Noncurrent loans to loans | 1.4823% | 4,447 |
| Net loans and leases to total assets | 50.5327% | 6,736 |
| Net loans and leases to deposits | 63.8725% | 6,497 |
| Net loans and leases to core deposits | 72.0699% | 6,844 |
| Total domestic deposits to total assets | 79.1150% | 5,760 |
| Equity capital to assets | 8.9959% | 5,482 |
| Core capital (leverage) ratio | 9.8047% | 3,515 |
| Tier 1 risk-based capital ratio | 14.3005% | 3,384 |
| Total risk-based capital ratio | 15.1742% | 3,538 |
| Memoranda: | ||
| Average total assets | $7,775,015,000 | 134 |
| Average earning assets | $7,239,620,500 | 130 |
| Average equity | $697,402,500 | 144 |
| Average total loans | $3,931,005,750 | 157 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1607% | 6,222 |
| Cost of funding earning assets | 1.7569% | 4,963 |
| Net interest margin | 3.4038% | 5,147 |
| Noninterest income to average assets | 0.3308% | 5,863 |
| Noninterest expense to average assets | 1.9475% | 7,556 |
| Loan and lease loss provision to assets | 0.5066% | 3,005 |
| Net operating income to assets | 0.6220% | 3,576 |
| Return on assets (ROA) | 0.7091% | 3,316 |
| Pretax return on assets | 1.1694% | 2,400 |
| Return on Equity (ROE) | 7.9137% | 2,811 |
| Retained earnings to average equity (ytd only) | 7.9137% | 1,240 |
| Net charge-offs to loans | 0.6119% | 2,515 |
| Credit loss provision to net charge-offs | 164.4335% | 2,788 |
| Earnings coverage of net charge-offs (x) | 4.9988% | 2,936 |
| Efficiency ratio | 55.8404% | 7,137 |
| Assets per employee ($millions) | 13.3129% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 5,422 |
| Loan loss allowance to noncurrent loans | 68.9682% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 0.8453% | 5,298 |
| Noncurrent loans to loans | 1.6311% | 4,050 |
| Net loans and leases to total assets | 49.5491% | 6,913 |
| Net loans and leases to deposits | 63.9740% | 6,565 |
| Net loans and leases to core deposits | 71.9032% | 6,905 |
| Total domestic deposits to total assets | 77.4519% | 6,214 |
| Equity capital to assets | 9.3412% | 4,813 |
| Core capital (leverage) ratio | 10.6469% | 2,703 |
| Tier 1 risk-based capital ratio | 14.9919% | 3,022 |
| Total risk-based capital ratio | 15.8227% | 3,145 |
| Memoranda: | ||
| Average total assets | $7,499,602,670 | 141 |
| Average earning assets | $6,955,192,670 | 137 |
| Average equity | $671,951,330 | 155 |
| Average total loans | $3,775,958,000 | 169 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2282% | 6,192 |
| Cost of funding earning assets | 1.8185% | 5,028 |
| Net interest margin | 3.4097% | 5,098 |
| Noninterest income to average assets | 0.4077% | 5,156 |
| Noninterest expense to average assets | 1.8637% | 7,620 |
| Loan and lease loss provision to assets | 0.5251% | 2,370 |
| Net operating income to assets | 0.6976% | 3,571 |
| Return on assets (ROA) | 0.7997% | 3,292 |
| Pretax return on assets | 1.3305% | 2,175 |
| Return on Equity (ROE) | 9.1350% | 2,656 |
| Retained earnings to average equity (ytd only) | 9.1350% | 1,432 |
| Net charge-offs to loans | 0.7752% | 1,657 |
| Credit loss provision to net charge-offs | 134.1958% | 3,016 |
| Earnings coverage of net charge-offs (x) | 4.3345% | 2,908 |
| Efficiency ratio | 52.3537% | 7,380 |
| Assets per employee ($millions) | 13.2125% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 5,695 |
| Loan loss allowance to noncurrent loans | 71.9510% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 0.7562% | 5,267 |
| Noncurrent loans to loans | 1.4851% | 4,068 |
| Net loans and leases to total assets | 49.1653% | 6,933 |
| Net loans and leases to deposits | 62.5476% | 6,688 |
| Net loans and leases to core deposits | 70.3628% | 6,999 |
| Total domestic deposits to total assets | 78.6047% | 5,842 |
| Equity capital to assets | 7.8315% | 7,030 |
| Core capital (leverage) ratio | 9.0041% | 4,705 |
| Tier 1 risk-based capital ratio | 13.4387% | 3,906 |
| Total risk-based capital ratio | 14.2483% | 4,110 |
| Memoranda: | ||
| Average total assets | $7,308,798,000 | 143 |
| Average earning assets | $6,756,839,000 | 140 |
| Average equity | $639,826,000 | 154 |
| Average total loans | $3,689,186,500 | 175 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4880% | 7,331 |
| Cost of funding earning assets | 2.1720% | 5,719 |
| Net interest margin | 3.3160% | 5,980 |
| Noninterest income to average assets | 0.5608% | 4,155 |
| Noninterest expense to average assets | 1.9414% | 7,549 |
| Loan and lease loss provision to assets | 0.4211% | 3,172 |
| Net operating income to assets | 0.7644% | 3,596 |
| Return on assets (ROA) | 0.6791% | 3,825 |
| Pretax return on assets | 1.1309% | 2,917 |
| Return on Equity (ROE) | 8.4984% | 2,845 |
| Retained earnings to average equity (ytd only) | 8.4976% | 703 |
| Net charge-offs to loans | 0.2799% | 3,533 |
| Credit loss provision to net charge-offs | 330.4412% | 1,369 |
| Earnings coverage of net charge-offs (x) | 13.2240% | 2,153 |
| Efficiency ratio | 53.5316% | 7,326 |
| Assets per employee ($millions) | 13.1245% | 134 |
| Cash dividends to net income (ytd only)* | 0.0092% | 4,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 6,025 |
| Loan loss allowance to noncurrent loans | 97.4111% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 0.5415% | 5,550 |
| Noncurrent loans to loans | 1.0295% | 4,527 |
| Net loans and leases to total assets | 50.7666% | 6,958 |
| Net loans and leases to deposits | 67.7613% | 6,485 |
| Net loans and leases to core deposits | 74.8189% | 6,919 |
| Total domestic deposits to total assets | 74.9197% | 6,470 |
| Equity capital to assets | 9.7068% | 4,417 |
| Core capital (leverage) ratio | 10.6147% | 2,889 |
| Tier 1 risk-based capital ratio | 17.0039% | 2,308 |
| Total risk-based capital ratio | 17.8311% | 2,390 |
| Memoranda: | ||
| Average total assets | $6,384,925,200 | 152 |
| Average earning assets | $5,903,312,400 | 148 |
| Average equity | $510,192,000 | 187 |
| Average total loans | $2,906,895,400 | 203 |