Home > Silicon Valley Bank > Performance and Condition Ratios
Silicon Valley 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 | 2.7684% | 4,354 |
| Cost of funding earning assets | 0.5346% | 1,196 |
| Net interest margin | 2.2338% | 4,461 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 1.2903% | 4,563 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 0.9477% | 2,779 |
| Return on assets (ROA) | 0.9570% | 2,689 |
| Pretax return on assets | 1.2894% | 2,124 |
| Return on Equity (ROE) | 13.4300% | 1,676 |
| Retained earnings to average equity (ytd only) | 11.4817% | 784 |
| Net charge-offs to loans | 0.1008% | 734 |
| Credit loss provision to net charge-offs | 404.2254% | 773 |
| Earnings coverage of net charge-offs (x) | 43.9718% | 1,445 |
| Efficiency ratio | 46.4194% | 4,323 |
| Assets per employee ($millions) | 29.4610% | 48 |
| Cash dividends to net income (ytd only)* | 14.5257% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 3,902 |
| Loan loss allowance to noncurrent loans | 457.5540% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.0665% | 3,138 |
| Noncurrent loans to loans | 0.1872% | 2,552 |
| Net loans and leases to total assets | 35.2200% | 4,249 |
| Net loans and leases to deposits | 41.9739% | 4,179 |
| Net loans and leases to core deposits | 45.9866% | 4,119 |
| Total domestic deposits to total assets | 77.2500% | 4,147 |
| Equity capital to assets | 7.3943% | 3,443 |
| Core capital (leverage) ratio | 7.9626% | 4,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0507% | 1,359 |
| Memoranda: | ||
| Average total assets | $211,495,800,000 | 14 |
| Average earning assets | $205,207,400,000 | 15 |
| Average equity | $15,067,400,000 | 25 |
| Average total loans | $70,454,000,000 | 28 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5393% | 4,430 |
| Cost of funding earning assets | 0.2618% | 2,582 |
| Net interest margin | 2.2775% | 4,418 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 1.2521% | 4,600 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 0.9843% | 2,530 |
| Return on assets (ROA) | 1.0101% | 2,413 |
| Pretax return on assets | 1.3785% | 1,785 |
| Return on Equity (ROE) | 14.3100% | 1,347 |
| Retained earnings to average equity (ytd only) | 14.3125% | 428 |
| Net charge-offs to loans | 0.0825% | 725 |
| Credit loss provision to net charge-offs | 427.9070% | 678 |
| Earnings coverage of net charge-offs (x) | 56.2791% | 1,218 |
| Efficiency ratio | 44.9229% | 4,431 |
| Assets per employee ($millions) | 30.3339% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7722% | 4,142 |
| Loan loss allowance to noncurrent loans | 679.2683% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 3,522 |
| Noncurrent loans to loans | 0.1137% | 3,078 |
| Net loans and leases to total assets | 34.0400% | 4,303 |
| Net loans and leases to deposits | 40.0111% | 4,235 |
| Net loans and leases to core deposits | 43.5988% | 4,178 |
| Total domestic deposits to total assets | 78.6400% | 4,209 |
| Equity capital to assets | 7.1959% | 3,410 |
| Core capital (leverage) ratio | 7.9136% | 4,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2326% | 1,356 |
| Memoranda: | ||
| Average total assets | $212,113,250,000 | 14 |
| Average earning assets | $205,775,000,000 | 15 |
| Average equity | $14,970,250,000 | 27 |
| Average total loans | $69,505,250,000 | 29 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3244% | 4,505 |
| Cost of funding earning assets | 0.1046% | 4,144 |
| Net interest margin | 2.2198% | 4,404 |
| Noninterest income to average assets | 0.5312% | 2,036 |
| Noninterest expense to average assets | 1.2391% | 4,622 |
| Loan and lease loss provision to assets | 0.1946% | 440 |
| Net operating income to assets | 0.9192% | 2,495 |
| Return on assets (ROA) | 0.9571% | 2,301 |
| Pretax return on assets | 1.3002% | 1,751 |
| Return on Equity (ROE) | 13.6486% | 1,200 |
| Retained earnings to average equity (ytd only) | 13.6486% | 399 |
| Net charge-offs to loans | 0.0816% | 663 |
| Credit loss provision to net charge-offs | 546.4286% | 605 |
| Earnings coverage of net charge-offs (x) | 54.9643% | 1,118 |
| Efficiency ratio | 45.9223% | 4,454 |
| Assets per employee ($millions) | 32.2215% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7681% | 4,228 |
| Loan loss allowance to noncurrent loans | 586.0215% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 3,538 |
| Noncurrent loans to loans | 0.1311% | 3,062 |
| Net loans and leases to total assets | 33.2394% | 4,361 |
| Net loans and leases to deposits | 37.0276% | 4,368 |
| Net loans and leases to core deposits | 40.3010% | 4,310 |
| Total domestic deposits to total assets | 82.5955% | 3,932 |
| Equity capital to assets | 7.2636% | 3,619 |
| Core capital (leverage) ratio | 7.5502% | 4,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0496% | 1,426 |
| Memoranda: | ||
| Average total assets | $212,736,333,333 | 15 |
| Average earning assets | $206,508,333,333 | 15 |
| Average equity | $14,917,333,333 | 28 |
| Average total loans | $68,631,000,000 | 28 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1695% | 4,545 |
| Cost of funding earning assets | 0.0464% | 4,624 |
| Net interest margin | 2.1231% | 4,420 |
| Noninterest income to average assets | 0.4447% | 2,416 |
| Noninterest expense to average assets | 1.2740% | 4,635 |
| Loan and lease loss provision to assets | 0.0206% | 1,985 |
| Net operating income to assets | 0.8903% | 2,315 |
| Return on assets (ROA) | 0.9644% | 2,018 |
| Pretax return on assets | 1.3059% | 1,491 |
| Return on Equity (ROE) | 14.0026% | 829 |
| Retained earnings to average equity (ytd only) | 14.0026% | 378 |
| Net charge-offs to loans | 0.0534% | 758 |
| Credit loss provision to net charge-offs | 77.7778% | 1,117 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 782 |
| Efficiency ratio | 50.5988% | 4,285 |
| Assets per employee ($millions) | 36.7416% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6131% | 4,499 |
| Loan loss allowance to noncurrent loans | 576.7123% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 3,700 |
| Noncurrent loans to loans | 0.1063% | 3,305 |
| Net loans and leases to total assets | 31.3323% | 4,406 |
| Net loans and leases to deposits | 34.0510% | 4,445 |
| Net loans and leases to core deposits | 37.3850% | 4,389 |
| Total domestic deposits to total assets | 83.9296% | 3,785 |
| Equity capital to assets | 6.6900% | 4,347 |
| Core capital (leverage) ratio | 7.0852% | 4,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4094% | 1,670 |
| Memoranda: | ||
| Average total assets | $213,192,500,000 | 15 |
| Average earning assets | $207,055,500,000 | 15 |
| Average equity | $14,683,000,000 | 28 |
| Average total loans | $67,469,500,000 | 28 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0937% | 4,659 |
| Cost of funding earning assets | 0.0395% | 4,731 |
| Net interest margin | 2.0542% | 4,569 |
| Noninterest income to average assets | 0.4900% | 2,621 |
| Noninterest expense to average assets | 1.3623% | 4,645 |
| Loan and lease loss provision to assets | 0.0757% | 1,605 |
| Net operating income to assets | 0.7742% | 3,412 |
| Return on assets (ROA) | 0.7966% | 3,413 |
| Pretax return on assets | 1.0662% | 3,084 |
| Return on Equity (ROE) | 11.8807% | 1,856 |
| Retained earnings to average equity (ytd only) | 11.8807% | 546 |
| Net charge-offs to loans | 0.2082% | 455 |
| Credit loss provision to net charge-offs | 59.2920% | 2,066 |
| Earnings coverage of net charge-offs (x) | 16.0088% | 1,991 |
| Efficiency ratio | 54.8235% | 3,840 |
| Assets per employee ($millions) | 33.6258% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6382% | 4,513 |
| Loan loss allowance to noncurrent loans | 503.5714% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 3,719 |
| Noncurrent loans to loans | 0.1267% | 3,297 |
| Net loans and leases to total assets | 31.5714% | 4,464 |
| Net loans and leases to deposits | 34.3999% | 4,517 |
| Net loans and leases to core deposits | 37.6091% | 4,470 |
| Total domestic deposits to total assets | 84.0815% | 3,537 |
| Equity capital to assets | 7.0932% | 4,701 |
| Core capital (leverage) ratio | 7.2429% | 4,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4041% | 1,712 |
| Memoranda: | ||
| Average total assets | $162,441,661,000 | 22 |
| Average earning assets | $157,042,640,000 | 20 |
| Average equity | $10,891,605,000 | 33 |
| Average total loans | $54,269,564,400 | 34 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1192% | 4,738 |
| Cost of funding earning assets | 0.0377% | 4,822 |
| Net interest margin | 2.0814% | 4,634 |
| Noninterest income to average assets | 0.5041% | 2,606 |
| Noninterest expense to average assets | 1.4455% | 4,647 |
| Loan and lease loss provision to assets | 0.0657% | 1,679 |
| Net operating income to assets | 0.7492% | 3,656 |
| Return on assets (ROA) | 0.7597% | 3,691 |
| Pretax return on assets | 1.0144% | 3,413 |
| Return on Equity (ROE) | 11.5614% | 2,189 |
| Retained earnings to average equity (ytd only) | 11.5614% | 926 |
| Net charge-offs to loans | 0.2933% | 274 |
| Credit loss provision to net charge-offs | 35.9721% | 1,937 |
| Earnings coverage of net charge-offs (x) | 10.7061% | 2,027 |
| Efficiency ratio | 57.3709% | 3,372 |
| Assets per employee ($millions) | 33.9084% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6468% | 4,578 |
| Loan loss allowance to noncurrent loans | 337.6473% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.0631% | 3,692 |
| Noncurrent loans to loans | 0.1916% | 3,177 |
| Net loans and leases to total assets | 32.4333% | 4,532 |
| Net loans and leases to deposits | 35.4529% | 4,590 |
| Net loans and leases to core deposits | 38.5877% | 4,557 |
| Total domestic deposits to total assets | 84.3352% | 3,356 |
| Equity capital to assets | 7.1154% | 4,787 |
| Core capital (leverage) ratio | 7.2971% | 4,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2101% | 1,895 |
| Memoranda: | ||
| Average total assets | $150,906,826,250 | 24 |
| Average earning assets | $145,597,300,000 | 23 |
| Average equity | $9,915,756,250 | 34 |
| Average total loans | $51,268,205,500 | 36 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1502% | 4,777 |
| Cost of funding earning assets | 0.0334% | 4,870 |
| Net interest margin | 2.1168% | 4,646 |
| Noninterest income to average assets | 0.5203% | 2,525 |
| Noninterest expense to average assets | 1.3810% | 4,735 |
| Loan and lease loss provision to assets | 0.0767% | 1,557 |
| Net operating income to assets | 0.8304% | 3,421 |
| Return on assets (ROA) | 0.8480% | 3,448 |
| Pretax return on assets | 1.1186% | 3,150 |
| Return on Equity (ROE) | 13.4094% | 1,592 |
| Retained earnings to average equity (ytd only) | 13.4094% | 651 |
| Net charge-offs to loans | 0.4245% | 198 |
| Credit loss provision to net charge-offs | 48.1554% | 1,610 |
| Earnings coverage of net charge-offs (x) | 7.9921% | 1,902 |
| Efficiency ratio | 54.0712% | 3,795 |
| Assets per employee ($millions) | 39.5292% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7791% | 4,396 |
| Loan loss allowance to noncurrent loans | 485.0449% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 3,906 |
| Noncurrent loans to loans | 0.1606% | 3,416 |
| Net loans and leases to total assets | 31.2322% | 4,614 |
| Net loans and leases to deposits | 34.1400% | 4,677 |
| Net loans and leases to core deposits | 37.4724% | 4,637 |
| Total domestic deposits to total assets | 83.3649% | 3,618 |
| Equity capital to assets | 6.4690% | 4,897 |
| Core capital (leverage) ratio | 6.9571% | 4,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2568% | 2,262 |
| Memoranda: | ||
| Average total assets | $138,433,428,333 | 26 |
| Average earning assets | $133,004,006,333 | 24 |
| Average equity | $8,754,288,667 | 36 |
| Average total loans | $47,864,855,000 | 37 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2366% | 4,783 |
| Cost of funding earning assets | 0.0344% | 4,907 |
| Net interest margin | 2.2022% | 4,611 |
| Noninterest income to average assets | 0.5257% | 2,496 |
| Noninterest expense to average assets | 1.4310% | 4,711 |
| Loan and lease loss provision to assets | 0.0577% | 1,965 |
| Net operating income to assets | 0.8532% | 3,259 |
| Return on assets (ROA) | 0.8914% | 3,233 |
| Pretax return on assets | 1.1889% | 2,876 |
| Return on Equity (ROE) | 14.3047% | 1,372 |
| Retained earnings to average equity (ytd only) | 14.3047% | 724 |
| Net charge-offs to loans | 0.7767% | 101 |
| Credit loss provision to net charge-offs | 37.6686% | 1,359 |
| Earnings coverage of net charge-offs (x) | 4.2213% | 1,739 |
| Efficiency ratio | 54.4283% | 3,739 |
| Assets per employee ($millions) | 35.8815% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8216% | 4,360 |
| Loan loss allowance to noncurrent loans | 413.4348% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 3,884 |
| Noncurrent loans to loans | 0.1987% | 3,397 |
| Net loans and leases to total assets | 33.7088% | 4,582 |
| Net loans and leases to deposits | 37.7484% | 4,634 |
| Net loans and leases to core deposits | 41.2172% | 4,587 |
| Total domestic deposits to total assets | 81.8032% | 3,927 |
| Equity capital to assets | 6.2497% | 4,921 |
| Core capital (leverage) ratio | 7.1982% | 4,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5624% | 2,465 |
| Memoranda: | ||
| Average total assets | $127,050,005,500 | 27 |
| Average earning assets | $121,347,505,500 | 28 |
| Average equity | $7,917,400,500 | 39 |
| Average total loans | $46,426,393,000 | 37 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6831% | 4,799 |
| Cost of funding earning assets | 0.0759% | 4,918 |
| Net interest margin | 2.6072% | 4,492 |
| Noninterest income to average assets | 0.7203% | 1,791 |
| Noninterest expense to average assets | 1.7846% | 4,496 |
| Loan and lease loss provision to assets | 0.2170% | 1,809 |
| Net operating income to assets | 0.8817% | 2,778 |
| Return on assets (ROA) | 0.9452% | 2,649 |
| Pretax return on assets | 1.2886% | 2,019 |
| Return on Equity (ROE) | 13.9351% | 829 |
| Retained earnings to average equity (ytd only) | 13.0918% | 236 |
| Net charge-offs to loans | 0.1951% | 880 |
| Credit loss provision to net charge-offs | 256.4132% | 1,903 |
| Earnings coverage of net charge-offs (x) | 16.8621% | 2,109 |
| Efficiency ratio | 55.5977% | 4,032 |
| Assets per employee ($millions) | 30.2522% | 44 |
| Cash dividends to net income (ytd only)* | 6.0515% | 3,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9911% | 3,903 |
| Loan loss allowance to noncurrent loans | 429.5355% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 3,852 |
| Noncurrent loans to loans | 0.2307% | 3,374 |
| Net loans and leases to total assets | 39.2950% | 4,468 |
| Net loans and leases to deposits | 43.3484% | 4,548 |
| Net loans and leases to core deposits | 47.2254% | 4,509 |
| Total domestic deposits to total assets | 83.2475% | 3,342 |
| Equity capital to assets | 6.2096% | 4,973 |
| Core capital (leverage) ratio | 6.4334% | 4,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4933% | 3,027 |
| Memoranda: | ||
| Average total assets | $87,417,285,000 | 34 |
| Average earning assets | $83,469,008,000 | 34 |
| Average equity | $5,929,209,400 | 46 |
| Average total loans | $37,879,597,800 | 41 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8199% | 4,823 |
| Cost of funding earning assets | 0.0940% | 4,928 |
| Net interest margin | 2.7259% | 4,435 |
| Noninterest income to average assets | 0.7643% | 1,611 |
| Noninterest expense to average assets | 1.7488% | 4,566 |
| Loan and lease loss provision to assets | 0.4076% | 849 |
| Net operating income to assets | 0.8824% | 2,766 |
| Return on assets (ROA) | 0.9621% | 2,616 |
| Pretax return on assets | 1.3120% | 2,003 |
| Return on Equity (ROE) | 13.7752% | 922 |
| Retained earnings to average equity (ytd only) | 12.5940% | 363 |
| Net charge-offs to loans | 0.2375% | 645 |
| Credit loss provision to net charge-offs | 384.5090% | 1,511 |
| Earnings coverage of net charge-offs (x) | 15.2774% | 2,108 |
| Efficiency ratio | 51.9328% | 4,352 |
| Assets per employee ($millions) | 25.7737% | 53 |
| Cash dividends to net income (ytd only)* | 8.5742% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 2,017 |
| Loan loss allowance to noncurrent loans | 485.2502% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 3,876 |
| Noncurrent loans to loans | 0.2753% | 3,309 |
| Net loans and leases to total assets | 39.8083% | 4,572 |
| Net loans and leases to deposits | 43.9235% | 4,662 |
| Net loans and leases to core deposits | 47.8788% | 4,629 |
| Total domestic deposits to total assets | 83.1943% | 3,091 |
| Equity capital to assets | 6.4133% | 4,993 |
| Core capital (leverage) ratio | 6.4488% | 5,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7511% | 2,975 |
| Memoranda: | ||
| Average total assets | $80,811,831,750 | 36 |
| Average earning assets | $77,174,486,000 | 35 |
| Average equity | $5,644,270,750 | 46 |
| Average total loans | $36,054,295,750 | 42 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0088% | 4,838 |
| Cost of funding earning assets | 0.1276% | 4,927 |
| Net interest margin | 2.8812% | 4,339 |
| Noninterest income to average assets | 0.8130% | 1,399 |
| Noninterest expense to average assets | 1.7659% | 4,606 |
| Loan and lease loss provision to assets | 0.7912% | 314 |
| Net operating income to assets | 0.7226% | 3,312 |
| Return on assets (ROA) | 0.8497% | 2,985 |
| Pretax return on assets | 1.1617% | 2,491 |
| Return on Equity (ROE) | 11.7645% | 1,397 |
| Retained earnings to average equity (ytd only) | 9.9433% | 799 |
| Net charge-offs to loans | 0.2275% | 684 |
| Credit loss provision to net charge-offs | 749.3744% | 958 |
| Earnings coverage of net charge-offs (x) | 16.9761% | 1,835 |
| Efficiency ratio | 49.6341% | 4,519 |
| Assets per employee ($millions) | 24.4897% | 55 |
| Cash dividends to net income (ytd only)* | 15.4804% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6057% | 995 |
| Loan loss allowance to noncurrent loans | 624.4317% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.1117% | 3,969 |
| Noncurrent loans to loans | 0.2571% | 3,464 |
| Net loans and leases to total assets | 42.7536% | 4,506 |
| Net loans and leases to deposits | 47.4783% | 4,610 |
| Net loans and leases to core deposits | 52.1684% | 4,558 |
| Total domestic deposits to total assets | 82.0247% | 3,364 |
| Equity capital to assets | 6.8899% | 4,986 |
| Core capital (leverage) ratio | 6.9149% | 5,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2824% | 2,892 |
| Memoranda: | ||
| Average total assets | $76,021,652,333 | 37 |
| Average earning assets | $72,425,230,667 | 36 |
| Average equity | $5,490,907,000 | 45 |
| Average total loans | $35,271,255,333 | 43 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3129% | 4,799 |
| Cost of funding earning assets | 0.2340% | 4,809 |
| Net interest margin | 3.0789% | 4,137 |
| Noninterest income to average assets | 0.9567% | 940 |
| Noninterest expense to average assets | 1.7176% | 4,754 |
| Loan and lease loss provision to assets | 1.3860% | 121 |
| Net operating income to assets | 0.5617% | 3,704 |
| Return on assets (ROA) | 0.8310% | 2,880 |
| Pretax return on assets | 1.1274% | 2,432 |
| Return on Equity (ROE) | 11.2008% | 1,354 |
| Retained earnings to average equity (ytd only) | 7.4454% | 1,395 |
| Net charge-offs to loans | 0.3374% | 428 |
| Credit loss provision to net charge-offs | 853.4161% | 637 |
| Earnings coverage of net charge-offs (x) | 13.3805% | 1,653 |
| Efficiency ratio | 44.1515% | 4,877 |
| Assets per employee ($millions) | 22.5244% | 52 |
| Cash dividends to net income (ytd only)* | 33.5276% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5257% | 1,260 |
| Loan loss allowance to noncurrent loans | 970.9954% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 4,222 |
| Noncurrent loans to loans | 0.1571% | 3,896 |
| Net loans and leases to total assets | 48.0822% | 4,334 |
| Net loans and leases to deposits | 56.4124% | 4,352 |
| Net loans and leases to core deposits | 61.9391% | 4,275 |
| Total domestic deposits to total assets | 77.6844% | 4,267 |
| Equity capital to assets | 7.6290% | 5,025 |
| Core capital (leverage) ratio | 7.2111% | 5,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0384% | 3,087 |
| Memoranda: | ||
| Average total assets | $71,787,666,000 | 37 |
| Average earning assets | $68,399,664,000 | 37 |
| Average equity | $5,325,748,500 | 48 |
| Average total loans | $34,550,969,500 | 44 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8320% | 4,526 |
| Cost of funding earning assets | 0.3012% | 4,725 |
| Net interest margin | 3.5308% | 3,345 |
| Noninterest income to average assets | 1.0514% | 855 |
| Noninterest expense to average assets | 2.0135% | 4,512 |
| Loan and lease loss provision to assets | 0.1496% | 1,428 |
| Net operating income to assets | 1.6533% | 734 |
| Return on assets (ROA) | 1.6484% | 790 |
| Pretax return on assets | 2.2606% | 339 |
| Return on Equity (ROE) | 21.4703% | 148 |
| Retained earnings to average equity (ytd only) | 6.2885% | 1,727 |
| Net charge-offs to loans | 0.2377% | 864 |
| Credit loss provision to net charge-offs | 131.4358% | 1,941 |
| Earnings coverage of net charge-offs (x) | 21.2338% | 1,896 |
| Efficiency ratio | 45.4530% | 4,931 |
| Assets per employee ($millions) | 22.2748% | 50 |
| Cash dividends to net income (ytd only)* | 70.7107% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 3,880 |
| Loan loss allowance to noncurrent loans | 295.8305% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.1473% | 3,898 |
| Noncurrent loans to loans | 0.3108% | 3,329 |
| Net loans and leases to total assets | 46.9590% | 4,479 |
| Net loans and leases to deposits | 52.1807% | 4,602 |
| Net loans and leases to core deposits | 58.0606% | 4,523 |
| Total domestic deposits to total assets | 80.9162% | 3,784 |
| Equity capital to assets | 7.1974% | 5,124 |
| Core capital (leverage) ratio | 7.2963% | 5,116 |
| Tier 1 risk-based capital ratio | 11.1639% | 4,794 |
| Total risk-based capital ratio | 12.0040% | 4,853 |
| Memoranda: | ||
| Average total assets | $62,886,736,200 | 38 |
| Average earning assets | $60,176,561,800 | 38 |
| Average equity | $4,828,151,800 | 50 |
| Average total loans | $30,107,417,400 | 43 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9069% | 4,530 |
| Cost of funding earning assets | 0.3041% | 4,790 |
| Net interest margin | 3.6029% | 3,239 |
| Noninterest income to average assets | 1.0607% | 814 |
| Noninterest expense to average assets | 1.9752% | 4,600 |
| Loan and lease loss provision to assets | 0.1763% | 1,043 |
| Net operating income to assets | 1.7149% | 727 |
| Return on assets (ROA) | 1.7082% | 771 |
| Pretax return on assets | 2.3562% | 336 |
| Return on Equity (ROE) | 21.8585% | 169 |
| Retained earnings to average equity (ytd only) | 4.1897% | 3,304 |
| Net charge-offs to loans | 0.2595% | 676 |
| Credit loss provision to net charge-offs | 141.5006% | 1,713 |
| Earnings coverage of net charge-offs (x) | 20.3923% | 1,957 |
| Efficiency ratio | 43.7367% | 5,024 |
| Assets per employee ($millions) | 21.8578% | 53 |
| Cash dividends to net income (ytd only)* | 80.8327% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9800% | 3,683 |
| Loan loss allowance to noncurrent loans | 290.0447% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.1564% | 3,953 |
| Noncurrent loans to loans | 0.3379% | 3,328 |
| Net loans and leases to total assets | 45.8462% | 4,607 |
| Net loans and leases to deposits | 50.8740% | 4,751 |
| Net loans and leases to core deposits | 55.5199% | 4,703 |
| Total domestic deposits to total assets | 82.6142% | 3,277 |
| Equity capital to assets | 7.3349% | 5,199 |
| Core capital (leverage) ratio | 7.4785% | 5,192 |
| Tier 1 risk-based capital ratio | 11.4799% | 4,678 |
| Total risk-based capital ratio | 12.3629% | 4,754 |
| Memoranda: | ||
| Average total assets | $61,122,688,000 | 39 |
| Average earning assets | $58,621,051,000 | 39 |
| Average equity | $4,776,666,000 | 50 |
| Average total loans | $29,346,946,000 | 45 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9948% | 4,389 |
| Cost of funding earning assets | 0.2762% | 4,886 |
| Net interest margin | 3.7186% | 2,875 |
| Noninterest income to average assets | 1.0831% | 723 |
| Noninterest expense to average assets | 2.0096% | 4,587 |
| Loan and lease loss provision to assets | 0.1512% | 1,209 |
| Net operating income to assets | 1.8207% | 568 |
| Return on assets (ROA) | 1.8103% | 600 |
| Pretax return on assets | 2.4817% | 247 |
| Return on Equity (ROE) | 22.6393% | 148 |
| Retained earnings to average equity (ytd only) | 10.0793% | 732 |
| Net charge-offs to loans | 0.1681% | 958 |
| Credit loss provision to net charge-offs | 184.7795% | 1,292 |
| Earnings coverage of net charge-offs (x) | 32.3449% | 1,407 |
| Efficiency ratio | 43.1661% | 5,090 |
| Assets per employee ($millions) | 21.0554% | 52 |
| Cash dividends to net income (ytd only)* | 55.4787% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 3,425 |
| Loan loss allowance to noncurrent loans | 311.7445% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.1550% | 3,987 |
| Noncurrent loans to loans | 0.3316% | 3,347 |
| Net loans and leases to total assets | 46.2706% | 4,637 |
| Net loans and leases to deposits | 51.6127% | 4,755 |
| Net loans and leases to core deposits | 56.5621% | 4,699 |
| Total domestic deposits to total assets | 81.8380% | 3,565 |
| Equity capital to assets | 7.9101% | 5,196 |
| Core capital (leverage) ratio | 8.1669% | 5,121 |
| Tier 1 risk-based capital ratio | 12.4989% | 4,125 |
| Total risk-based capital ratio | 13.4372% | 4,189 |
| Memoranda: | ||
| Average total assets | $59,143,712,670 | 39 |
| Average earning assets | $56,819,019,000 | 40 |
| Average equity | $4,729,299,000 | 50 |
| Average total loans | $28,779,735,670 | 45 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9711% | 4,429 |
| Cost of funding earning assets | 0.2174% | 5,077 |
| Net interest margin | 3.7536% | 2,697 |
| Noninterest income to average assets | 1.0978% | 671 |
| Noninterest expense to average assets | 2.0008% | 4,639 |
| Loan and lease loss provision to assets | 0.1780% | 937 |
| Net operating income to assets | 1.8508% | 507 |
| Return on assets (ROA) | 1.8310% | 548 |
| Pretax return on assets | 2.5091% | 242 |
| Return on Equity (ROE) | 22.7644% | 149 |
| Retained earnings to average equity (ytd only) | 8.3233% | 1,541 |
| Net charge-offs to loans | 0.1060% | 1,096 |
| Credit loss provision to net charge-offs | 337.7954% | 767 |
| Earnings coverage of net charge-offs (x) | 51.4800% | 1,006 |
| Efficiency ratio | 42.4531% | 5,152 |
| Assets per employee ($millions) | 20.1448% | 51 |
| Cash dividends to net income (ytd only)* | 63.4373% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 3,463 |
| Loan loss allowance to noncurrent loans | 220.9015% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.2306% | 3,699 |
| Noncurrent loans to loans | 0.4711% | 2,903 |
| Net loans and leases to total assets | 48.4395% | 4,562 |
| Net loans and leases to deposits | 54.0416% | 4,677 |
| Net loans and leases to core deposits | 59.5408% | 4,586 |
| Total domestic deposits to total assets | 81.3825% | 3,884 |
| Equity capital to assets | 7.9760% | 5,189 |
| Core capital (leverage) ratio | 8.3805% | 5,070 |
| Tier 1 risk-based capital ratio | 12.3526% | 4,265 |
| Total risk-based capital ratio | 13.2911% | 4,330 |
| Memoranda: | ||
| Average total assets | $57,511,502,500 | 41 |
| Average earning assets | $55,391,798,000 | 41 |
| Average equity | $4,625,688,500 | 51 |
| Average total loans | $28,580,499,500 | 45 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7689% | 4,557 |
| Cost of funding earning assets | 0.0840% | 5,320 |
| Net interest margin | 3.6849% | 3,095 |
| Noninterest income to average assets | 0.9942% | 954 |
| Noninterest expense to average assets | 2.0409% | 4,678 |
| Loan and lease loss provision to assets | 0.1548% | 1,360 |
| Net operating income to assets | 1.7152% | 667 |
| Return on assets (ROA) | 1.7142% | 659 |
| Pretax return on assets | 2.3325% | 283 |
| Return on Equity (ROE) | 22.7196% | 138 |
| Retained earnings to average equity (ytd only) | 19.3128% | 38 |
| Net charge-offs to loans | 0.2180% | 884 |
| Credit loss provision to net charge-offs | 149.2563% | 1,843 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,832 |
| Efficiency ratio | 45.0589% | 5,150 |
| Assets per employee ($millions) | 19.9218% | 50 |
| Cash dividends to net income (ytd only)* | 14.9951% | 3,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9912% | 3,754 |
| Loan loss allowance to noncurrent loans | 292.2815% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.1712% | 3,955 |
| Noncurrent loans to loans | 0.3391% | 3,331 |
| Net loans and leases to total assets | 49.9778% | 4,520 |
| Net loans and leases to deposits | 56.1238% | 4,661 |
| Net loans and leases to core deposits | 62.0195% | 4,538 |
| Total domestic deposits to total assets | 80.6144% | 3,974 |
| Equity capital to assets | 8.1134% | 5,122 |
| Core capital (leverage) ratio | 8.1036% | 5,204 |
| Tier 1 risk-based capital ratio | 12.4102% | 4,186 |
| Total risk-based capital ratio | 13.3160% | 4,270 |
| Memoranda: | ||
| Average total assets | $54,465,161,800 | 41 |
| Average earning assets | $52,253,057,000 | 41 |
| Average equity | $4,109,410,200 | 54 |
| Average total loans | $25,904,729,200 | 48 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6746% | 4,695 |
| Cost of funding earning assets | 0.0605% | 5,418 |
| Net interest margin | 3.6142% | 3,318 |
| Noninterest income to average assets | 0.9586% | 1,038 |
| Noninterest expense to average assets | 2.0455% | 4,652 |
| Loan and lease loss provision to assets | 0.1828% | 996 |
| Net operating income to assets | 1.6243% | 910 |
| Return on assets (ROA) | 1.6244% | 914 |
| Pretax return on assets | 2.1905% | 402 |
| Return on Equity (ROE) | 21.9585% | 169 |
| Retained earnings to average equity (ytd only) | 21.9585% | 42 |
| Net charge-offs to loans | 0.2232% | 761 |
| Credit loss provision to net charge-offs | 174.9793% | 1,534 |
| Earnings coverage of net charge-offs (x) | 22.7204% | 1,863 |
| Efficiency ratio | 46.2917% | 5,135 |
| Assets per employee ($millions) | 20.6951% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 3,541 |
| Loan loss allowance to noncurrent loans | 247.7459% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 3,934 |
| Noncurrent loans to loans | 0.4194% | 3,152 |
| Net loans and leases to total assets | 47.4987% | 4,736 |
| Net loans and leases to deposits | 55.2217% | 4,780 |
| Net loans and leases to core deposits | 60.2734% | 4,691 |
| Total domestic deposits to total assets | 78.8360% | 4,349 |
| Equity capital to assets | 7.4378% | 5,319 |
| Core capital (leverage) ratio | 7.8225% | 5,351 |
| Tier 1 risk-based capital ratio | 11.9822% | 4,516 |
| Total risk-based capital ratio | 12.9088% | 4,589 |
| Memoranda: | ||
| Average total assets | $54,046,541,250 | 40 |
| Average earning assets | $51,742,941,750 | 41 |
| Average equity | $3,998,059,500 | 55 |
| Average total loans | $25,296,341,500 | 48 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6035% | 4,762 |
| Cost of funding earning assets | 0.0449% | 5,496 |
| Net interest margin | 3.5586% | 3,440 |
| Noninterest income to average assets | 0.9478% | 1,059 |
| Noninterest expense to average assets | 2.0354% | 4,734 |
| Loan and lease loss provision to assets | 0.2064% | 817 |
| Net operating income to assets | 1.5667% | 998 |
| Return on assets (ROA) | 1.5668% | 1,006 |
| Pretax return on assets | 2.1120% | 478 |
| Return on Equity (ROE) | 21.2220% | 192 |
| Retained earnings to average equity (ytd only) | 21.2220% | 54 |
| Net charge-offs to loans | 0.1816% | 865 |
| Credit loss provision to net charge-offs | 245.0652% | 1,156 |
| Earnings coverage of net charge-offs (x) | 27.5308% | 1,578 |
| Efficiency ratio | 46.7510% | 5,177 |
| Assets per employee ($millions) | 21.3462% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 3,239 |
| Loan loss allowance to noncurrent loans | 228.8126% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 3,868 |
| Noncurrent loans to loans | 0.4820% | 2,991 |
| Net loans and leases to total assets | 46.6825% | 4,788 |
| Net loans and leases to deposits | 51.8818% | 4,919 |
| Net loans and leases to core deposits | 56.0221% | 4,872 |
| Total domestic deposits to total assets | 83.3628% | 3,302 |
| Equity capital to assets | 7.3882% | 5,398 |
| Core capital (leverage) ratio | 7.7217% | 5,412 |
| Tier 1 risk-based capital ratio | 11.7575% | 4,646 |
| Total risk-based capital ratio | 12.7222% | 4,700 |
| Memoranda: | ||
| Average total assets | $52,967,369,330 | 41 |
| Average earning assets | $50,693,162,670 | 41 |
| Average equity | $3,910,518,000 | 55 |
| Average total loans | $24,563,483,670 | 50 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4811% | 4,913 |
| Cost of funding earning assets | 0.0365% | 5,570 |
| Net interest margin | 3.4446% | 3,724 |
| Noninterest income to average assets | 0.9132% | 1,118 |
| Noninterest expense to average assets | 1.9310% | 4,970 |
| Loan and lease loss provision to assets | 0.2080% | 783 |
| Net operating income to assets | 1.4970% | 1,088 |
| Return on assets (ROA) | 1.4971% | 1,093 |
| Pretax return on assets | 2.0673% | 507 |
| Return on Equity (ROE) | 20.2851% | 230 |
| Retained earnings to average equity (ytd only) | 20.2851% | 98 |
| Net charge-offs to loans | 0.1476% | 943 |
| Credit loss provision to net charge-offs | 306.8076% | 802 |
| Earnings coverage of net charge-offs (x) | 33.5605% | 1,173 |
| Efficiency ratio | 45.9070% | 5,278 |
| Assets per employee ($millions) | 21.6976% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1156% | 3,287 |
| Loan loss allowance to noncurrent loans | 235.0924% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 4,003 |
| Noncurrent loans to loans | 0.4745% | 3,102 |
| Net loans and leases to total assets | 45.4961% | 4,819 |
| Net loans and leases to deposits | 51.4316% | 4,905 |
| Net loans and leases to core deposits | 55.7210% | 4,850 |
| Total domestic deposits to total assets | 81.6867% | 4,042 |
| Equity capital to assets | 7.2979% | 5,473 |
| Core capital (leverage) ratio | 7.6886% | 5,473 |
| Tier 1 risk-based capital ratio | 11.8971% | 4,606 |
| Total risk-based capital ratio | 12.8766% | 4,681 |
| Memoranda: | ||
| Average total assets | $51,914,507,500 | 42 |
| Average earning assets | $49,630,167,000 | 42 |
| Average equity | $3,831,318,000 | 58 |
| Average total loans | $23,847,130,000 | 51 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1854% | 5,208 |
| Cost of funding earning assets | 0.0211% | 5,640 |
| Net interest margin | 3.1643% | 4,534 |
| Noninterest income to average assets | 0.8365% | 1,446 |
| Noninterest expense to average assets | 1.9906% | 4,974 |
| Loan and lease loss provision to assets | 0.1809% | 1,186 |
| Net operating income to assets | 0.9511% | 2,442 |
| Return on assets (ROA) | 0.9393% | 2,532 |
| Pretax return on assets | 1.7068% | 987 |
| Return on Equity (ROE) | 12.3889% | 1,108 |
| Retained earnings to average equity (ytd only) | 12.3889% | 159 |
| Net charge-offs to loans | 0.2728% | 957 |
| Credit loss provision to net charge-offs | 148.0058% | 1,803 |
| Earnings coverage of net charge-offs (x) | 15.5926% | 2,235 |
| Efficiency ratio | 51.0830% | 5,162 |
| Assets per employee ($millions) | 21.0388% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 3,335 |
| Loan loss allowance to noncurrent loans | 213.5307% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.2370% | 3,959 |
| Noncurrent loans to loans | 0.5169% | 2,965 |
| Net loans and leases to total assets | 45.3508% | 4,920 |
| Net loans and leases to deposits | 51.0713% | 5,022 |
| Net loans and leases to core deposits | 55.1984% | 4,959 |
| Total domestic deposits to total assets | 82.2005% | 3,815 |
| Equity capital to assets | 7.4672% | 5,543 |
| Core capital (leverage) ratio | 7.5620% | 5,548 |
| Tier 1 risk-based capital ratio | 12.0623% | 4,486 |
| Total risk-based capital ratio | 13.0393% | 4,545 |
| Memoranda: | ||
| Average total assets | $47,563,478,000 | 42 |
| Average earning assets | $45,997,575,800 | 41 |
| Average equity | $3,606,192,800 | 57 |
| Average total loans | $21,316,815,000 | 52 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1149% | 5,321 |
| Cost of funding earning assets | 0.0205% | 5,707 |
| Net interest margin | 3.0944% | 4,728 |
| Noninterest income to average assets | 0.8107% | 1,546 |
| Noninterest expense to average assets | 1.9715% | 5,012 |
| Loan and lease loss provision to assets | 0.1918% | 1,008 |
| Net operating income to assets | 1.0209% | 2,468 |
| Return on assets (ROA) | 1.0209% | 2,506 |
| Pretax return on assets | 1.6442% | 1,260 |
| Return on Equity (ROE) | 13.4109% | 956 |
| Retained earnings to average equity (ytd only) | 13.4109% | 187 |
| Net charge-offs to loans | 0.2894% | 742 |
| Credit loss provision to net charge-offs | 148.7802% | 1,702 |
| Earnings coverage of net charge-offs (x) | 14.2451% | 2,301 |
| Efficiency ratio | 51.7800% | 5,120 |
| Assets per employee ($millions) | 20.9219% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 3,369 |
| Loan loss allowance to noncurrent loans | 198.5156% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.2512% | 4,053 |
| Noncurrent loans to loans | 0.5653% | 3,003 |
| Net loans and leases to total assets | 43.9328% | 5,033 |
| Net loans and leases to deposits | 48.4679% | 5,172 |
| Net loans and leases to core deposits | 52.2841% | 5,131 |
| Total domestic deposits to total assets | 84.0723% | 3,097 |
| Equity capital to assets | 7.4666% | 5,618 |
| Core capital (leverage) ratio | 7.5902% | 5,611 |
| Tier 1 risk-based capital ratio | 12.4109% | 4,369 |
| Total risk-based capital ratio | 13.4025% | 4,420 |
| Memoranda: | ||
| Average total assets | $46,857,378,750 | 43 |
| Average earning assets | $45,380,281,500 | 42 |
| Average equity | $3,567,105,500 | 57 |
| Average total loans | $20,869,439,750 | 52 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0415% | 5,404 |
| Cost of funding earning assets | 0.0203% | 5,755 |
| Net interest margin | 3.0212% | 4,862 |
| Noninterest income to average assets | 0.7688% | 1,691 |
| Noninterest expense to average assets | 1.9890% | 4,997 |
| Loan and lease loss provision to assets | 0.1963% | 940 |
| Net operating income to assets | 0.9612% | 2,602 |
| Return on assets (ROA) | 0.9612% | 2,662 |
| Pretax return on assets | 1.5112% | 1,596 |
| Return on Equity (ROE) | 12.5383% | 1,154 |
| Retained earnings to average equity (ytd only) | 12.5383% | 279 |
| Net charge-offs to loans | 0.3405% | 591 |
| Credit loss provision to net charge-offs | 129.3144% | 1,690 |
| Earnings coverage of net charge-offs (x) | 11.2486% | 2,291 |
| Efficiency ratio | 53.8069% | 5,032 |
| Assets per employee ($millions) | 20.6090% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 3,432 |
| Loan loss allowance to noncurrent loans | 196.6572% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.2526% | 4,115 |
| Noncurrent loans to loans | 0.5733% | 3,005 |
| Net loans and leases to total assets | 43.5652% | 5,065 |
| Net loans and leases to deposits | 48.3719% | 5,198 |
| Net loans and leases to core deposits | 52.0851% | 5,143 |
| Total domestic deposits to total assets | 83.6936% | 3,325 |
| Equity capital to assets | 7.5771% | 5,643 |
| Core capital (leverage) ratio | 7.6638% | 5,616 |
| Tier 1 risk-based capital ratio | 12.5948% | 4,245 |
| Total risk-based capital ratio | 13.5890% | 4,282 |
| Memoranda: | ||
| Average total assets | $45,829,628,000 | 44 |
| Average earning assets | $44,411,989,000 | 42 |
| Average equity | $3,513,177,330 | 56 |
| Average total loans | $20,429,477,000 | 52 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9446% | 5,509 |
| Cost of funding earning assets | 0.0193% | 5,817 |
| Net interest margin | 2.9253% | 5,036 |
| Noninterest income to average assets | 0.7620% | 1,699 |
| Noninterest expense to average assets | 1.9945% | 5,063 |
| Loan and lease loss provision to assets | 0.2650% | 556 |
| Net operating income to assets | 0.8588% | 2,950 |
| Return on assets (ROA) | 0.8588% | 2,999 |
| Pretax return on assets | 1.3421% | 2,089 |
| Return on Equity (ROE) | 11.1352% | 1,521 |
| Retained earnings to average equity (ytd only) | 11.1352% | 585 |
| Net charge-offs to loans | 0.2429% | 738 |
| Credit loss provision to net charge-offs | 243.3322% | 905 |
| Earnings coverage of net charge-offs (x) | 14.7547% | 1,709 |
| Efficiency ratio | 55.3772% | 5,005 |
| Assets per employee ($millions) | 19.8415% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 3,194 |
| Loan loss allowance to noncurrent loans | 175.1230% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.3030% | 3,978 |
| Noncurrent loans to loans | 0.6797% | 2,814 |
| Net loans and leases to total assets | 44.0528% | 5,034 |
| Net loans and leases to deposits | 48.4545% | 5,197 |
| Net loans and leases to core deposits | 51.7729% | 5,153 |
| Total domestic deposits to total assets | 85.1458% | 3,031 |
| Equity capital to assets | 7.6590% | 5,642 |
| Core capital (leverage) ratio | 7.8063% | 5,628 |
| Tier 1 risk-based capital ratio | 12.7464% | 4,226 |
| Total risk-based capital ratio | 13.8038% | 4,258 |
| Memoranda: | ||
| Average total assets | $44,941,050,500 | 45 |
| Average earning assets | $43,626,260,000 | 43 |
| Average equity | $3,466,149,000 | 56 |
| Average total loans | $20,155,982,500 | 54 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8426% | 5,619 |
| Cost of funding earning assets | 0.0181% | 5,873 |
| Net interest margin | 2.8245% | 5,255 |
| Noninterest income to average assets | 0.7781% | 1,834 |
| Noninterest expense to average assets | 1.8653% | 5,408 |
| Loan and lease loss provision to assets | 0.2211% | 995 |
| Net operating income to assets | 0.8570% | 3,040 |
| Return on assets (ROA) | 0.8775% | 3,055 |
| Pretax return on assets | 1.4702% | 1,682 |
| Return on Equity (ROE) | 11.5087% | 1,399 |
| Retained earnings to average equity (ytd only) | 11.5087% | 255 |
| Net charge-offs to loans | 0.4586% | 554 |
| Credit loss provision to net charge-offs | 113.0014% | 2,329 |
| Earnings coverage of net charge-offs (x) | 8.4812% | 2,865 |
| Efficiency ratio | 52.9226% | 5,315 |
| Assets per employee ($millions) | 19.3876% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1327% | 3,532 |
| Loan loss allowance to noncurrent loans | 189.2665% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.2701% | 4,207 |
| Noncurrent loans to loans | 0.5985% | 3,057 |
| Net loans and leases to total assets | 44.6156% | 5,081 |
| Net loans and leases to deposits | 49.7476% | 5,224 |
| Net loans and leases to core deposits | 53.5871% | 5,164 |
| Total domestic deposits to total assets | 83.3179% | 3,657 |
| Equity capital to assets | 7.7685% | 5,645 |
| Core capital (leverage) ratio | 7.6705% | 5,712 |
| Tier 1 risk-based capital ratio | 12.6494% | 4,290 |
| Total risk-based capital ratio | 13.6565% | 4,324 |
| Memoranda: | ||
| Average total assets | $43,264,386,600 | 44 |
| Average earning assets | $42,070,871,000 | 42 |
| Average equity | $3,298,626,400 | 56 |
| Average total loans | $18,458,779,600 | 55 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8209% | 5,705 |
| Cost of funding earning assets | 0.0181% | 5,942 |
| Net interest margin | 2.8028% | 5,354 |
| Noninterest income to average assets | 0.7478% | 1,975 |
| Noninterest expense to average assets | 1.8021% | 5,515 |
| Loan and lease loss provision to assets | 0.2746% | 639 |
| Net operating income to assets | 0.8223% | 3,270 |
| Return on assets (ROA) | 0.8497% | 3,276 |
| Pretax return on assets | 1.4427% | 1,909 |
| Return on Equity (ROE) | 11.1983% | 1,598 |
| Retained earnings to average equity (ytd only) | 11.1983% | 403 |
| Net charge-offs to loans | 0.4663% | 453 |
| Credit loss provision to net charge-offs | 140.0881% | 1,867 |
| Earnings coverage of net charge-offs (x) | 8.5427% | 2,752 |
| Efficiency ratio | 51.8351% | 5,399 |
| Assets per employee ($millions) | 18.9873% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2587% | 2,906 |
| Loan loss allowance to noncurrent loans | 226.2140% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2492% | 4,442 |
| Noncurrent loans to loans | 0.5564% | 3,328 |
| Net loans and leases to total assets | 44.2308% | 5,175 |
| Net loans and leases to deposits | 48.7801% | 5,354 |
| Net loans and leases to core deposits | 52.4129% | 5,295 |
| Total domestic deposits to total assets | 84.4546% | 3,040 |
| Equity capital to assets | 7.9809% | 5,745 |
| Core capital (leverage) ratio | 7.7399% | 5,778 |
| Tier 1 risk-based capital ratio | 12.7671% | 4,296 |
| Total risk-based capital ratio | 13.8340% | 4,327 |
| Memoranda: | ||
| Average total assets | $43,063,454,500 | 45 |
| Average earning assets | $41,925,536,500 | 42 |
| Average equity | $3,267,426,250 | 57 |
| Average total loans | $18,101,852,500 | 57 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7900% | 5,802 |
| Cost of funding earning assets | 0.0155% | 6,022 |
| Net interest margin | 2.7745% | 5,469 |
| Noninterest income to average assets | 0.7265% | 2,024 |
| Noninterest expense to average assets | 1.7368% | 5,658 |
| Loan and lease loss provision to assets | 0.3229% | 531 |
| Net operating income to assets | 0.8034% | 3,292 |
| Return on assets (ROA) | 0.8444% | 3,246 |
| Pretax return on assets | 1.4308% | 1,903 |
| Return on Equity (ROE) | 11.3222% | 1,532 |
| Retained earnings to average equity (ytd only) | 11.3222% | 401 |
| Net charge-offs to loans | 0.4591% | 488 |
| Credit loss provision to net charge-offs | 171.0442% | 1,449 |
| Earnings coverage of net charge-offs (x) | 8.9498% | 2,464 |
| Efficiency ratio | 50.6873% | 5,525 |
| Assets per employee ($millions) | 19.7849% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 2,790 |
| Loan loss allowance to noncurrent loans | 196.2006% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.2932% | 4,329 |
| Noncurrent loans to loans | 0.6623% | 3,086 |
| Net loans and leases to total assets | 43.7003% | 5,252 |
| Net loans and leases to deposits | 48.8348% | 5,388 |
| Net loans and leases to core deposits | 52.2887% | 5,354 |
| Total domestic deposits to total assets | 83.6415% | 3,402 |
| Equity capital to assets | 7.8968% | 5,835 |
| Core capital (leverage) ratio | 7.5597% | 5,869 |
| Tier 1 risk-based capital ratio | 12.5663% | 4,468 |
| Total risk-based capital ratio | 13.6544% | 4,504 |
| Memoranda: | ||
| Average total assets | $43,196,448,000 | 45 |
| Average earning assets | $42,035,357,670 | 42 |
| Average equity | $3,221,559,330 | 57 |
| Average total loans | $17,765,331,670 | 59 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7572% | 5,876 |
| Cost of funding earning assets | 0.0134% | 6,084 |
| Net interest margin | 2.7437% | 5,551 |
| Noninterest income to average assets | 0.7109% | 1,989 |
| Noninterest expense to average assets | 1.7529% | 5,697 |
| Loan and lease loss provision to assets | 0.3064% | 509 |
| Net operating income to assets | 0.7809% | 3,351 |
| Return on assets (ROA) | 0.7894% | 3,403 |
| Pretax return on assets | 1.3339% | 2,166 |
| Return on Equity (ROE) | 10.8976% | 1,630 |
| Retained earnings to average equity (ytd only) | 10.8976% | 666 |
| Net charge-offs to loans | 0.4959% | 444 |
| Credit loss provision to net charge-offs | 156.0742% | 1,248 |
| Earnings coverage of net charge-offs (x) | 8.2885% | 2,068 |
| Efficiency ratio | 51.8614% | 5,524 |
| Assets per employee ($millions) | 20.1672% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 2,909 |
| Loan loss allowance to noncurrent loans | 201.9584% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2651% | 4,498 |
| Noncurrent loans to loans | 0.6429% | 3,245 |
| Net loans and leases to total assets | 40.6951% | 5,421 |
| Net loans and leases to deposits | 44.6826% | 5,564 |
| Net loans and leases to core deposits | 47.7394% | 5,517 |
| Total domestic deposits to total assets | 85.3156% | 2,998 |
| Equity capital to assets | 7.5507% | 5,939 |
| Core capital (leverage) ratio | 7.1946% | 5,974 |
| Tier 1 risk-based capital ratio | 12.5652% | 4,539 |
| Total risk-based capital ratio | 13.6641% | 4,543 |
| Memoranda: | ||
| Average total assets | $43,525,879,500 | 44 |
| Average earning assets | $42,342,167,500 | 41 |
| Average equity | $3,152,790,500 | 58 |
| Average total loans | $17,231,108,500 | 60 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6971% | 5,936 |
| Cost of funding earning assets | 0.0157% | 6,145 |
| Net interest margin | 2.6814% | 5,668 |
| Noninterest income to average assets | 0.6985% | 2,209 |
| Noninterest expense to average assets | 1.7762% | 5,768 |
| Loan and lease loss provision to assets | 0.2438% | 782 |
| Net operating income to assets | 0.7658% | 3,488 |
| Return on assets (ROA) | 0.7658% | 3,578 |
| Pretax return on assets | 1.2849% | 2,334 |
| Return on Equity (ROE) | 10.7079% | 1,723 |
| Retained earnings to average equity (ytd only) | 10.7079% | 376 |
| Net charge-offs to loans | 0.2982% | 1,013 |
| Credit loss provision to net charge-offs | 217.9901% | 1,301 |
| Earnings coverage of net charge-offs (x) | 13.6705% | 2,358 |
| Efficiency ratio | 53.7465% | 5,536 |
| Assets per employee ($millions) | 21.4904% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 2,903 |
| Loan loss allowance to noncurrent loans | 176.3015% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 4,467 |
| Noncurrent loans to loans | 0.7373% | 2,965 |
| Net loans and leases to total assets | 37.4916% | 5,644 |
| Net loans and leases to deposits | 41.7737% | 5,715 |
| Net loans and leases to core deposits | 45.1363% | 5,679 |
| Total domestic deposits to total assets | 83.1417% | 3,796 |
| Equity capital to assets | 6.9437% | 6,066 |
| Core capital (leverage) ratio | 7.0859% | 6,036 |
| Tier 1 risk-based capital ratio | 12.5239% | 4,615 |
| Total risk-based capital ratio | 13.5984% | 4,626 |
| Memoranda: | ||
| Average total assets | $40,072,464,400 | 43 |
| Average earning assets | $38,950,416,600 | 42 |
| Average equity | $2,865,761,200 | 62 |
| Average total loans | $15,025,300,800 | 65 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7017% | 6,020 |
| Cost of funding earning assets | 0.0167% | 6,231 |
| Net interest margin | 2.6850% | 5,741 |
| Noninterest income to average assets | 0.6941% | 2,256 |
| Noninterest expense to average assets | 1.7788% | 5,806 |
| Loan and lease loss provision to assets | 0.2268% | 812 |
| Net operating income to assets | 0.7635% | 3,620 |
| Return on assets (ROA) | 0.7635% | 3,715 |
| Pretax return on assets | 1.2998% | 2,403 |
| Return on Equity (ROE) | 10.5897% | 1,870 |
| Retained earnings to average equity (ytd only) | 10.5897% | 541 |
| Net charge-offs to loans | 0.3119% | 858 |
| Credit loss provision to net charge-offs | 194.6289% | 1,368 |
| Earnings coverage of net charge-offs (x) | 13.1025% | 2,355 |
| Efficiency ratio | 53.8161% | 5,534 |
| Assets per employee ($millions) | 20.3705% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 3,152 |
| Loan loss allowance to noncurrent loans | 170.7835% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.2814% | 4,645 |
| Noncurrent loans to loans | 0.7552% | 3,075 |
| Net loans and leases to total assets | 36.7826% | 5,757 |
| Net loans and leases to deposits | 40.3544% | 5,854 |
| Net loans and leases to core deposits | 43.4760% | 5,807 |
| Total domestic deposits to total assets | 84.6904% | 3,135 |
| Equity capital to assets | 7.4206% | 6,082 |
| Core capital (leverage) ratio | 7.1294% | 6,110 |
| Tier 1 risk-based capital ratio | 12.7915% | 4,557 |
| Total risk-based capital ratio | 13.8457% | 4,592 |
| Memoranda: | ||
| Average total assets | $39,076,770,750 | 43 |
| Average earning assets | $38,002,442,500 | 42 |
| Average equity | $2,817,440,250 | 63 |
| Average total loans | $14,597,983,500 | 66 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7058% | 6,076 |
| Cost of funding earning assets | 0.0185% | 6,306 |
| Net interest margin | 2.6873% | 5,780 |
| Noninterest income to average assets | 0.6888% | 2,259 |
| Noninterest expense to average assets | 1.8355% | 5,805 |
| Loan and lease loss provision to assets | 0.1709% | 1,223 |
| Net operating income to assets | 0.7591% | 3,598 |
| Return on assets (ROA) | 0.7591% | 3,697 |
| Pretax return on assets | 1.2942% | 2,387 |
| Return on Equity (ROE) | 10.6389% | 1,798 |
| Retained earnings to average equity (ytd only) | 10.6389% | 558 |
| Net charge-offs to loans | 0.0771% | 2,286 |
| Credit loss provision to net charge-offs | 592.6869% | 560 |
| Earnings coverage of net charge-offs (x) | 50.8039% | 947 |
| Efficiency ratio | 55.6100% | 5,462 |
| Assets per employee ($millions) | 20.5503% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3507% | 2,982 |
| Loan loss allowance to noncurrent loans | 190.8656% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.2545% | 4,855 |
| Noncurrent loans to loans | 0.7077% | 3,367 |
| Net loans and leases to total assets | 35.4808% | 5,843 |
| Net loans and leases to deposits | 39.0159% | 5,938 |
| Net loans and leases to core deposits | 42.0205% | 5,894 |
| Total domestic deposits to total assets | 84.5327% | 3,327 |
| Equity capital to assets | 7.3965% | 6,131 |
| Core capital (leverage) ratio | 7.3944% | 6,125 |
| Tier 1 risk-based capital ratio | 12.8670% | 4,589 |
| Total risk-based capital ratio | 13.9318% | 4,621 |
| Memoranda: | ||
| Average total assets | $38,406,571,000 | 44 |
| Average earning assets | $37,327,312,670 | 42 |
| Average equity | $2,740,276,000 | 67 |
| Average total loans | $14,360,481,330 | 69 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7160% | 6,124 |
| Cost of funding earning assets | 0.0229% | 6,375 |
| Net interest margin | 2.6931% | 5,814 |
| Noninterest income to average assets | 0.6685% | 2,315 |
| Noninterest expense to average assets | 1.8461% | 5,828 |
| Loan and lease loss provision to assets | 0.0678% | 2,587 |
| Net operating income to assets | 0.7962% | 3,278 |
| Return on assets (ROA) | 0.7962% | 3,408 |
| Pretax return on assets | 1.3684% | 2,003 |
| Return on Equity (ROE) | 11.3771% | 1,523 |
| Retained earnings to average equity (ytd only) | 11.3771% | 665 |
| Net charge-offs to loans | 0.1032% | 1,699 |
| Credit loss provision to net charge-offs | 172.2581% | 1,157 |
| Earnings coverage of net charge-offs (x) | 36.4847% | 1,034 |
| Efficiency ratio | 56.2434% | 5,496 |
| Assets per employee ($millions) | 19.6783% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 4,190 |
| Loan loss allowance to noncurrent loans | 368.9783% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 5,466 |
| Noncurrent loans to loans | 0.3150% | 4,663 |
| Net loans and leases to total assets | 37.5782% | 5,745 |
| Net loans and leases to deposits | 41.6228% | 5,852 |
| Net loans and leases to core deposits | 44.6960% | 5,818 |
| Total domestic deposits to total assets | 84.2057% | 3,736 |
| Equity capital to assets | 7.5994% | 6,150 |
| Core capital (leverage) ratio | 7.4303% | 6,168 |
| Tier 1 risk-based capital ratio | 12.3602% | 5,004 |
| Total risk-based capital ratio | 13.3543% | 5,079 |
| Memoranda: | ||
| Average total assets | $37,799,345,000 | 44 |
| Average earning assets | $36,686,588,500 | 42 |
| Average equity | $2,645,137,000 | 68 |
| Average total loans | $14,415,556,500 | 68 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9445% | 6,098 |
| Cost of funding earning assets | 0.0417% | 6,443 |
| Net interest margin | 2.9028% | 5,640 |
| Noninterest income to average assets | 0.7123% | 2,244 |
| Noninterest expense to average assets | 2.0299% | 5,713 |
| Loan and lease loss provision to assets | 0.1925% | 1,331 |
| Net operating income to assets | 0.7967% | 3,388 |
| Return on assets (ROA) | 0.7967% | 3,489 |
| Pretax return on assets | 1.3001% | 2,240 |
| Return on Equity (ROE) | 12.0019% | 1,412 |
| Retained earnings to average equity (ytd only) | 12.0019% | 300 |
| Net charge-offs to loans | 0.3127% | 1,407 |
| Credit loss provision to net charge-offs | 161.9823% | 1,498 |
| Earnings coverage of net charge-offs (x) | 12.5581% | 2,355 |
| Efficiency ratio | 57.6255% | 5,502 |
| Assets per employee ($millions) | 19.9998% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 4,292 |
| Loan loss allowance to noncurrent loans | 419.2398% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.1094% | 5,602 |
| Noncurrent loans to loans | 0.2740% | 4,872 |
| Net loans and leases to total assets | 37.8156% | 5,861 |
| Net loans and leases to deposits | 41.0145% | 5,999 |
| Net loans and leases to core deposits | 46.1454% | 5,886 |
| Total domestic deposits to total assets | 82.1289% | 4,369 |
| Equity capital to assets | 6.3906% | 6,386 |
| Core capital (leverage) ratio | 6.6359% | 6,353 |
| Tier 1 risk-based capital ratio | 11.0915% | 5,874 |
| Total risk-based capital ratio | 12.1168% | 5,891 |
| Memoranda: | ||
| Average total assets | $31,304,973,600 | 48 |
| Average earning assets | $30,306,620,600 | 45 |
| Average equity | $2,078,033,000 | 75 |
| Average total loans | $11,897,827,400 | 77 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0046% | 6,136 |
| Cost of funding earning assets | 0.0432% | 6,527 |
| Net interest margin | 2.9614% | 5,585 |
| Noninterest income to average assets | 0.7516% | 2,088 |
| Noninterest expense to average assets | 2.0949% | 5,580 |
| Loan and lease loss provision to assets | 0.0880% | 2,591 |
| Net operating income to assets | 0.8716% | 3,064 |
| Return on assets (ROA) | 0.8716% | 3,160 |
| Pretax return on assets | 1.4327% | 1,878 |
| Return on Equity (ROE) | 12.9767% | 1,225 |
| Retained earnings to average equity (ytd only) | 12.9767% | 331 |
| Net charge-offs to loans | 0.3903% | 1,021 |
| Credit loss provision to net charge-offs | 59.4655% | 2,940 |
| Earnings coverage of net charge-offs (x) | 10.2733% | 2,564 |
| Efficiency ratio | 57.9393% | 5,454 |
| Assets per employee ($millions) | 18.5995% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 4,860 |
| Loan loss allowance to noncurrent loans | 1,092.4992% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 6,030 |
| Noncurrent loans to loans | 0.0983% | 5,647 |
| Net loans and leases to total assets | 34.5820% | 6,093 |
| Net loans and leases to deposits | 37.7710% | 6,191 |
| Net loans and leases to core deposits | 41.9168% | 6,119 |
| Total domestic deposits to total assets | 82.7569% | 4,219 |
| Equity capital to assets | 6.7627% | 6,416 |
| Core capital (leverage) ratio | 7.0462% | 6,374 |
| Tier 1 risk-based capital ratio | 12.1060% | 5,422 |
| Total risk-based capital ratio | 13.0615% | 5,526 |
| Memoranda: | ||
| Average total assets | $29,726,312,250 | 50 |
| Average earning assets | $28,749,060,750 | 47 |
| Average equity | $1,996,516,000 | 78 |
| Average total loans | $11,274,425,750 | 78 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0797% | 6,090 |
| Cost of funding earning assets | 0.0457% | 6,589 |
| Net interest margin | 3.0339% | 5,433 |
| Noninterest income to average assets | 0.7745% | 1,940 |
| Noninterest expense to average assets | 2.1840% | 5,456 |
| Loan and lease loss provision to assets | 0.0167% | 3,925 |
| Net operating income to assets | 0.9169% | 2,721 |
| Return on assets (ROA) | 0.9169% | 2,820 |
| Pretax return on assets | 1.5059% | 1,520 |
| Return on Equity (ROE) | 13.6897% | 1,015 |
| Retained earnings to average equity (ytd only) | 13.6897% | 280 |
| Net charge-offs to loans | 0.4423% | 923 |
| Credit loss provision to net charge-offs | 9.6609% | 3,308 |
| Earnings coverage of net charge-offs (x) | 8.7965% | 2,443 |
| Efficiency ratio | 58.9216% | 5,441 |
| Assets per employee ($millions) | 18.0392% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 5,058 |
| Loan loss allowance to noncurrent loans | 543.8205% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 5,954 |
| Noncurrent loans to loans | 0.1954% | 5,432 |
| Net loans and leases to total assets | 35.4821% | 6,075 |
| Net loans and leases to deposits | 39.0791% | 6,188 |
| Net loans and leases to core deposits | 43.3643% | 6,099 |
| Total domestic deposits to total assets | 82.0494% | 4,630 |
| Equity capital to assets | 7.2206% | 6,411 |
| Core capital (leverage) ratio | 7.5060% | 6,314 |
| Tier 1 risk-based capital ratio | 12.4524% | 5,256 |
| Total risk-based capital ratio | 13.4057% | 5,364 |
| Memoranda: | ||
| Average total assets | $28,177,789,330 | 51 |
| Average earning assets | $27,232,215,670 | 50 |
| Average equity | $1,887,201,000 | 79 |
| Average total loans | $11,027,387,670 | 79 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2138% | 5,984 |
| Cost of funding earning assets | 0.0474% | 6,665 |
| Net interest margin | 3.1664% | 5,026 |
| Noninterest income to average assets | 0.8336% | 1,626 |
| Noninterest expense to average assets | 2.3428% | 5,088 |
| Loan and lease loss provision to assets | 0.0072% | 3,727 |
| Net operating income to assets | 0.9341% | 2,488 |
| Return on assets (ROA) | 0.9341% | 2,556 |
| Pretax return on assets | 1.5408% | 1,309 |
| Return on Equity (ROE) | 14.6308% | 833 |
| Retained earnings to average equity (ytd only) | 14.6308% | 347 |
| Net charge-offs to loans | 0.7211% | 485 |
| Credit loss provision to net charge-offs | 2.4145% | 2,670 |
| Earnings coverage of net charge-offs (x) | 5.2242% | 2,406 |
| Efficiency ratio | 60.2151% | 5,371 |
| Assets per employee ($millions) | 16.4138% | 64 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 4,923 |
| Loan loss allowance to noncurrent loans | 497.4491% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.0921% | 5,975 |
| Noncurrent loans to loans | 0.2291% | 5,414 |
| Net loans and leases to total assets | 38.2172% | 5,928 |
| Net loans and leases to deposits | 41.5147% | 6,101 |
| Net loans and leases to core deposits | 45.6329% | 6,009 |
| Total domestic deposits to total assets | 83.9773% | 4,284 |
| Equity capital to assets | 6.2028% | 6,552 |
| Core capital (leverage) ratio | 6.7165% | 6,517 |
| Tier 1 risk-based capital ratio | 10.3917% | 6,365 |
| Total risk-based capital ratio | 11.4692% | 6,384 |
| Memoranda: | ||
| Average total assets | $26,446,292,000 | 54 |
| Average earning assets | $25,533,926,000 | 51 |
| Average equity | $1,688,470,000 | 85 |
| Average total loans | $10,867,396,000 | 79 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4024% | 5,833 |
| Cost of funding earning assets | 0.0451% | 6,752 |
| Net interest margin | 3.3573% | 4,451 |
| Noninterest income to average assets | 0.8490% | 1,872 |
| Noninterest expense to average assets | 2.4580% | 4,897 |
| Loan and lease loss provision to assets | 0.2789% | 1,240 |
| Net operating income to assets | 0.8380% | 3,098 |
| Return on assets (ROA) | 0.8382% | 3,177 |
| Pretax return on assets | 1.3465% | 1,981 |
| Return on Equity (ROE) | 11.5008% | 1,593 |
| Retained earnings to average equity (ytd only) | 10.8831% | 431 |
| Net charge-offs to loans | 0.3065% | 2,153 |
| Credit loss provision to net charge-offs | 210.1065% | 1,095 |
| Earnings coverage of net charge-offs (x) | 12.2425% | 2,145 |
| Efficiency ratio | 60.2004% | 5,442 |
| Assets per employee ($millions) | 14.8591% | 76 |
| Cash dividends to net income (ytd only)* | 5.3707% | 4,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 4,106 |
| Loan loss allowance to noncurrent loans | 278.3146% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 5,664 |
| Noncurrent loans to loans | 0.4698% | 4,822 |
| Net loans and leases to total assets | 43.2614% | 5,739 |
| Net loans and leases to deposits | 47.2983% | 5,939 |
| Net loans and leases to core deposits | 52.5019% | 5,756 |
| Total domestic deposits to total assets | 82.9053% | 4,574 |
| Equity capital to assets | 6.5892% | 6,554 |
| Core capital (leverage) ratio | 7.0360% | 6,521 |
| Tier 1 risk-based capital ratio | 10.1139% | 6,486 |
| Total risk-based capital ratio | 11.3181% | 6,462 |
| Memoranda: | ||
| Average total assets | $22,213,555,600 | 61 |
| Average earning assets | $21,398,366,000 | 55 |
| Average equity | $1,618,976,000 | 86 |
| Average total loans | $9,621,771,600 | 81 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4233% | 5,835 |
| Cost of funding earning assets | 0.0445% | 6,836 |
| Net interest margin | 3.3789% | 4,362 |
| Noninterest income to average assets | 0.8452% | 1,958 |
| Noninterest expense to average assets | 2.4600% | 4,840 |
| Loan and lease loss provision to assets | 0.2176% | 1,677 |
| Net operating income to assets | 0.8648% | 3,020 |
| Return on assets (ROA) | 0.8651% | 3,126 |
| Pretax return on assets | 1.4230% | 1,857 |
| Return on Equity (ROE) | 11.5506% | 1,643 |
| Retained earnings to average equity (ytd only) | 10.7245% | 634 |
| Net charge-offs to loans | 0.3002% | 2,033 |
| Credit loss provision to net charge-offs | 167.9226% | 1,418 |
| Earnings coverage of net charge-offs (x) | 12.6578% | 2,111 |
| Efficiency ratio | 59.9996% | 5,435 |
| Assets per employee ($millions) | 13.5192% | 102 |
| Cash dividends to net income (ytd only)* | 7.1521% | 3,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 4,561 |
| Loan loss allowance to noncurrent loans | 333.9385% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.1666% | 5,938 |
| Noncurrent loans to loans | 0.3792% | 5,263 |
| Net loans and leases to total assets | 43.3772% | 5,782 |
| Net loans and leases to deposits | 47.8079% | 5,975 |
| Net loans and leases to core deposits | 53.5948% | 5,798 |
| Total domestic deposits to total assets | 81.2620% | 5,152 |
| Equity capital to assets | 7.3404% | 6,444 |
| Core capital (leverage) ratio | 7.4616% | 6,463 |
| Tier 1 risk-based capital ratio | 11.0811% | 6,241 |
| Total risk-based capital ratio | 12.3096% | 6,218 |
| Memoranda: | ||
| Average total assets | $21,548,391,250 | 60 |
| Average earning assets | $20,757,119,500 | 56 |
| Average equity | $1,613,964,000 | 87 |
| Average total loans | $9,301,339,500 | 81 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3966% | 5,918 |
| Cost of funding earning assets | 0.0433% | 6,885 |
| Net interest margin | 3.3533% | 4,367 |
| Noninterest income to average assets | 0.8534% | 1,987 |
| Noninterest expense to average assets | 2.4091% | 5,028 |
| Loan and lease loss provision to assets | 0.2335% | 1,598 |
| Net operating income to assets | 0.9003% | 2,793 |
| Return on assets (ROA) | 0.9008% | 2,932 |
| Pretax return on assets | 1.4441% | 1,787 |
| Return on Equity (ROE) | 11.9434% | 1,512 |
| Retained earnings to average equity (ytd only) | 11.9434% | 502 |
| Net charge-offs to loans | 0.3388% | 1,830 |
| Credit loss provision to net charge-offs | 160.6621% | 1,450 |
| Earnings coverage of net charge-offs (x) | 11.5370% | 2,047 |
| Efficiency ratio | 58.9614% | 5,606 |
| Assets per employee ($millions) | 12.8052% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 4,768 |
| Loan loss allowance to noncurrent loans | 304.2496% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 5,930 |
| Noncurrent loans to loans | 0.4085% | 5,241 |
| Net loans and leases to total assets | 45.4871% | 5,590 |
| Net loans and leases to deposits | 50.2713% | 5,821 |
| Net loans and leases to core deposits | 56.2874% | 5,572 |
| Total domestic deposits to total assets | 81.0944% | 5,317 |
| Equity capital to assets | 7.5943% | 6,410 |
| Core capital (leverage) ratio | 7.6648% | 6,387 |
| Tier 1 risk-based capital ratio | 11.2002% | 6,247 |
| Total risk-based capital ratio | 12.4183% | 6,230 |
| Memoranda: | ||
| Average total assets | $21,282,092,670 | 60 |
| Average earning assets | $20,516,075,330 | 57 |
| Average equity | $1,605,156,000 | 87 |
| Average total loans | $9,129,135,000 | 82 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2859% | 6,178 |
| Cost of funding earning assets | 0.0423% | 6,969 |
| Net interest margin | 3.2436% | 4,749 |
| Noninterest income to average assets | 0.8030% | 2,111 |
| Noninterest expense to average assets | 2.4316% | 5,012 |
| Loan and lease loss provision to assets | 0.1120% | 2,835 |
| Net operating income to assets | 0.8601% | 2,866 |
| Return on assets (ROA) | 0.8601% | 2,993 |
| Pretax return on assets | 1.3875% | 1,894 |
| Return on Equity (ROE) | 11.4417% | 1,578 |
| Retained earnings to average equity (ytd only) | 11.4417% | 793 |
| Net charge-offs to loans | 0.1917% | 2,265 |
| Credit loss provision to net charge-offs | 141.3243% | 1,423 |
| Earnings coverage of net charge-offs (x) | 18.9136% | 1,243 |
| Efficiency ratio | 61.8543% | 5,325 |
| Assets per employee ($millions) | 13.6047% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2660% | 4,865 |
| Loan loss allowance to noncurrent loans | 276.6433% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.1881% | 6,008 |
| Noncurrent loans to loans | 0.4576% | 5,276 |
| Net loans and leases to total assets | 40.5866% | 5,948 |
| Net loans and leases to deposits | 44.8881% | 6,132 |
| Net loans and leases to core deposits | 50.4064% | 5,947 |
| Total domestic deposits to total assets | 80.8231% | 5,543 |
| Equity capital to assets | 7.6173% | 6,556 |
| Core capital (leverage) ratio | 7.3497% | 6,526 |
| Tier 1 risk-based capital ratio | 11.6994% | 6,085 |
| Total risk-based capital ratio | 13.0147% | 6,031 |
| Memoranda: | ||
| Average total assets | $21,486,894,000 | 60 |
| Average earning assets | $20,722,785,000 | 55 |
| Average equity | $1,615,176,000 | 88 |
| Average total loans | $8,886,812,000 | 85 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3437% | 6,545 |
| Cost of funding earning assets | 0.0423% | 7,041 |
| Net interest margin | 3.3014% | 5,242 |
| Noninterest income to average assets | 0.8700% | 1,957 |
| Noninterest expense to average assets | 2.2750% | 5,754 |
| Loan and lease loss provision to assets | 0.2194% | 2,939 |
| Net operating income to assets | 0.9591% | 2,506 |
| Return on assets (ROA) | 0.9749% | 2,671 |
| Pretax return on assets | 1.5849% | 1,427 |
| Return on Equity (ROE) | 13.2556% | 1,165 |
| Retained earnings to average equity (ytd only) | 13.2556% | 241 |
| Net charge-offs to loans | 0.3036% | 3,125 |
| Credit loss provision to net charge-offs | 186.1466% | 1,406 |
| Earnings coverage of net charge-offs (x) | 15.0965% | 1,679 |
| Efficiency ratio | 56.1093% | 6,045 |
| Assets per employee ($millions) | 14.0107% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 4,971 |
| Loan loss allowance to noncurrent loans | 287.5059% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.1783% | 6,120 |
| Noncurrent loans to loans | 0.4285% | 5,423 |
| Net loans and leases to total assets | 41.0990% | 6,090 |
| Net loans and leases to deposits | 45.7009% | 6,271 |
| Net loans and leases to core deposits | 51.7766% | 6,029 |
| Total domestic deposits to total assets | 79.7372% | 5,733 |
| Equity capital to assets | 7.4167% | 6,664 |
| Core capital (leverage) ratio | 7.0568% | 6,684 |
| Tier 1 risk-based capital ratio | 11.2429% | 6,250 |
| Total risk-based capital ratio | 12.5265% | 6,198 |
| Memoranda: | ||
| Average total assets | $20,042,529,000 | 61 |
| Average earning assets | $19,332,641,200 | 57 |
| Average equity | $1,474,057,600 | 91 |
| Average total loans | $7,781,276,600 | 95 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3554% | 6,672 |
| Cost of funding earning assets | 0.0436% | 7,151 |
| Net interest margin | 3.3118% | 5,348 |
| Noninterest income to average assets | 0.8568% | 1,992 |
| Noninterest expense to average assets | 2.2486% | 5,819 |
| Loan and lease loss provision to assets | 0.1991% | 3,090 |
| Net operating income to assets | 0.9724% | 2,646 |
| Return on assets (ROA) | 0.9939% | 2,767 |
| Pretax return on assets | 1.6391% | 1,456 |
| Return on Equity (ROE) | 13.5450% | 1,212 |
| Retained earnings to average equity (ytd only) | 13.5450% | 343 |
| Net charge-offs to loans | 0.3161% | 2,864 |
| Credit loss provision to net charge-offs | 165.5068% | 1,686 |
| Earnings coverage of net charge-offs (x) | 15.0010% | 1,803 |
| Efficiency ratio | 55.4773% | 6,107 |
| Assets per employee ($millions) | 13.3941% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 5,095 |
| Loan loss allowance to noncurrent loans | 228.4134% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.2184% | 6,166 |
| Noncurrent loans to loans | 0.5426% | 5,355 |
| Net loans and leases to total assets | 39.7451% | 6,305 |
| Net loans and leases to deposits | 45.1749% | 6,445 |
| Net loans and leases to core deposits | 51.5855% | 6,210 |
| Total domestic deposits to total assets | 77.4507% | 6,173 |
| Equity capital to assets | 7.6089% | 6,744 |
| Core capital (leverage) ratio | 6.9969% | 6,794 |
| Tier 1 risk-based capital ratio | 11.4121% | 6,281 |
| Total risk-based capital ratio | 12.7042% | 6,222 |
| Memoranda: | ||
| Average total assets | $19,683,559,750 | 62 |
| Average earning assets | $18,998,262,250 | 58 |
| Average equity | $1,444,325,250 | 95 |
| Average total loans | $7,492,215,500 | 98 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3385% | 6,786 |
| Cost of funding earning assets | 0.0461% | 7,212 |
| Net interest margin | 3.2924% | 5,457 |
| Noninterest income to average assets | 0.8525% | 1,955 |
| Noninterest expense to average assets | 2.2333% | 5,915 |
| Loan and lease loss provision to assets | 0.2189% | 2,884 |
| Net operating income to assets | 0.9579% | 2,624 |
| Return on assets (ROA) | 0.9905% | 2,735 |
| Pretax return on assets | 1.6321% | 1,450 |
| Return on Equity (ROE) | 13.6747% | 1,191 |
| Retained earnings to average equity (ytd only) | 13.6747% | 373 |
| Net charge-offs to loans | 0.3564% | 2,591 |
| Credit loss provision to net charge-offs | 164.6191% | 1,692 |
| Earnings coverage of net charge-offs (x) | 13.5382% | 1,788 |
| Efficiency ratio | 55.3707% | 6,186 |
| Assets per employee ($millions) | 13.5723% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2595% | 5,086 |
| Loan loss allowance to noncurrent loans | 360.5551% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1353% | 6,449 |
| Noncurrent loans to loans | 0.3493% | 5,849 |
| Net loans and leases to total assets | 38.2325% | 6,465 |
| Net loans and leases to deposits | 42.1194% | 6,639 |
| Net loans and leases to core deposits | 48.3151% | 6,438 |
| Total domestic deposits to total assets | 79.5976% | 5,838 |
| Equity capital to assets | 7.3870% | 6,825 |
| Core capital (leverage) ratio | 7.0136% | 6,816 |
| Tier 1 risk-based capital ratio | 10.9787% | 6,508 |
| Total risk-based capital ratio | 12.2440% | 6,482 |
| Memoranda: | ||
| Average total assets | $19,467,355,000 | 63 |
| Average earning assets | $18,807,419,000 | 59 |
| Average equity | $1,410,080,000 | 98 |
| Average total loans | $7,262,133,330 | 100 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3506% | 6,858 |
| Cost of funding earning assets | 0.0457% | 7,274 |
| Net interest margin | 3.3049% | 5,455 |
| Noninterest income to average assets | 0.8120% | 2,106 |
| Noninterest expense to average assets | 2.2437% | 5,928 |
| Loan and lease loss provision to assets | 0.2788% | 2,228 |
| Net operating income to assets | 0.8926% | 2,953 |
| Return on assets (ROA) | 0.8926% | 3,175 |
| Pretax return on assets | 1.4864% | 1,903 |
| Return on Equity (ROE) | 12.4525% | 1,542 |
| Retained earnings to average equity (ytd only) | 12.4525% | 758 |
| Net charge-offs to loans | 0.1261% | 3,353 |
| Credit loss provision to net charge-offs | 604.8847% | 556 |
| Earnings coverage of net charge-offs (x) | 38.2926% | 770 |
| Efficiency ratio | 55.9674% | 6,124 |
| Assets per employee ($millions) | 13.3300% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4162% | 4,535 |
| Loan loss allowance to noncurrent loans | 241.0149% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.2126% | 6,355 |
| Noncurrent loans to loans | 0.5876% | 5,486 |
| Net loans and leases to total assets | 35.6765% | 6,642 |
| Net loans and leases to deposits | 41.5467% | 6,679 |
| Net loans and leases to core deposits | 47.9113% | 6,463 |
| Total domestic deposits to total assets | 74.8547% | 6,665 |
| Equity capital to assets | 7.1580% | 6,890 |
| Core capital (leverage) ratio | 6.9436% | 6,861 |
| Tier 1 risk-based capital ratio | 11.1616% | 6,466 |
| Total risk-based capital ratio | 12.5911% | 6,349 |
| Memoranda: | ||
| Average total assets | $19,184,652,500 | 63 |
| Average earning assets | $18,558,328,500 | 60 |
| Average equity | $1,375,211,500 | 103 |
| Average total loans | $7,014,837,000 | 100 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2533% | 7,104 |
| Cost of funding earning assets | 0.0704% | 7,321 |
| Net interest margin | 3.1829% | 6,148 |
| Noninterest income to average assets | 0.7694% | 2,237 |
| Noninterest expense to average assets | 2.2565% | 6,149 |
| Loan and lease loss provision to assets | 0.0335% | 6,140 |
| Net operating income to assets | 0.9187% | 2,526 |
| Return on assets (ROA) | 1.0532% | 2,133 |
| Pretax return on assets | 1.7659% | 865 |
| Return on Equity (ROE) | 15.4271% | 684 |
| Retained earnings to average equity (ytd only) | 15.4271% | 116 |
| Net charge-offs to loans | -0.0211% | 6,963 |
| Credit loss provision to net charge-offs | -465.3906% | 6,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6734% | 5,951 |
| Assets per employee ($millions) | 12.8764% | 122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 4,971 |
| Loan loss allowance to noncurrent loans | 253.3048% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.1880% | 6,480 |
| Noncurrent loans to loans | 0.5086% | 5,692 |
| Net loans and leases to total assets | 36.4815% | 6,733 |
| Net loans and leases to deposits | 40.7030% | 6,839 |
| Net loans and leases to core deposits | 46.8320% | 6,699 |
| Total domestic deposits to total assets | 78.3398% | 6,133 |
| Equity capital to assets | 7.1790% | 6,914 |
| Core capital (leverage) ratio | 6.8683% | 6,908 |
| Tier 1 risk-based capital ratio | 10.9618% | 6,474 |
| Total risk-based capital ratio | 12.3318% | 6,391 |
| Memoranda: | ||
| Average total assets | $17,761,270,400 | 68 |
| Average earning assets | $17,167,837,000 | 63 |
| Average equity | $1,212,510,600 | 110 |
| Average total loans | $6,060,011,800 | 106 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2431% | 7,190 |
| Cost of funding earning assets | 0.0792% | 7,394 |
| Net interest margin | 3.1639% | 6,250 |
| Noninterest income to average assets | 0.7651% | 2,230 |
| Noninterest expense to average assets | 2.2140% | 6,243 |
| Loan and lease loss provision to assets | -0.0163% | 7,307 |
| Net operating income to assets | 0.9604% | 2,483 |
| Return on assets (ROA) | 1.1422% | 1,956 |
| Pretax return on assets | 1.9128% | 757 |
| Return on Equity (ROE) | 16.9660% | 570 |
| Retained earnings to average equity (ytd only) | 16.9660% | 142 |
| Net charge-offs to loans | -0.1095% | 7,183 |
| Credit loss provision to net charge-offs | 44.6853% | 5,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8614% | 6,036 |
| Assets per employee ($millions) | 12.4865% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3464% | 4,791 |
| Loan loss allowance to noncurrent loans | 209.2283% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 6,499 |
| Noncurrent loans to loans | 0.6435% | 5,601 |
| Net loans and leases to total assets | 34.4636% | 6,930 |
| Net loans and leases to deposits | 38.2153% | 7,029 |
| Net loans and leases to core deposits | 44.3807% | 6,908 |
| Total domestic deposits to total assets | 78.1437% | 6,164 |
| Equity capital to assets | 7.3112% | 6,980 |
| Core capital (leverage) ratio | 6.9288% | 6,980 |
| Tier 1 risk-based capital ratio | 11.6348% | 6,150 |
| Total risk-based capital ratio | 13.0722% | 6,006 |
| Memoranda: | ||
| Average total assets | $17,511,363,250 | 68 |
| Average earning assets | $16,943,276,250 | 65 |
| Average equity | $1,178,924,750 | 113 |
| Average total loans | $5,841,616,500 | 107 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2302% | 7,273 |
| Cost of funding earning assets | 0.0944% | 7,460 |
| Net interest margin | 3.1357% | 6,316 |
| Noninterest income to average assets | 0.7657% | 2,176 |
| Noninterest expense to average assets | 2.1682% | 6,459 |
| Loan and lease loss provision to assets | -0.0326% | 7,392 |
| Net operating income to assets | 0.9812% | 2,306 |
| Return on assets (ROA) | 1.2566% | 1,493 |
| Pretax return on assets | 2.0915% | 503 |
| Return on Equity (ROE) | 19.2378% | 363 |
| Retained earnings to average equity (ytd only) | 19.2378% | 112 |
| Net charge-offs to loans | -0.0859% | 7,130 |
| Credit loss provision to net charge-offs | 115.7873% | 2,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1081% | 6,282 |
| Assets per employee ($millions) | 13.2080% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3742% | 4,705 |
| Loan loss allowance to noncurrent loans | 224.8672% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.1994% | 6,610 |
| Noncurrent loans to loans | 0.6111% | 5,699 |
| Net loans and leases to total assets | 32.1732% | 7,109 |
| Net loans and leases to deposits | 35.8711% | 7,171 |
| Net loans and leases to core deposits | 43.4675% | 7,028 |
| Total domestic deposits to total assets | 75.1780% | 6,703 |
| Equity capital to assets | 6.6729% | 7,159 |
| Core capital (leverage) ratio | 6.8185% | 7,051 |
| Tier 1 risk-based capital ratio | 11.6177% | 6,080 |
| Total risk-based capital ratio | 13.0586% | 5,918 |
| Memoranda: | ||
| Average total assets | $17,342,485,000 | 70 |
| Average earning assets | $16,763,180,670 | 67 |
| Average equity | $1,132,791,330 | 116 |
| Average total loans | $5,690,685,670 | 111 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2431% | 7,327 |
| Cost of funding earning assets | 0.1119% | 7,520 |
| Net interest margin | 3.1313% | 6,264 |
| Noninterest income to average assets | 0.7664% | 2,183 |
| Noninterest expense to average assets | 2.1692% | 6,489 |
| Loan and lease loss provision to assets | -0.0754% | 7,480 |
| Net operating income to assets | 1.0149% | 2,136 |
| Return on assets (ROA) | 1.0149% | 2,185 |
| Pretax return on assets | 1.6991% | 985 |
| Return on Equity (ROE) | 15.7206% | 709 |
| Retained earnings to average equity (ytd only) | 15.7206% | 336 |
| Net charge-offs to loans | -0.1776% | 7,236 |
| Credit loss provision to net charge-offs | 128.9069% | 2,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1912% | 6,361 |
| Assets per employee ($millions) | 12.9687% | 130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 4,456 |
| Loan loss allowance to noncurrent loans | 235.7668% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.1976% | 6,662 |
| Noncurrent loans to loans | 0.6133% | 5,809 |
| Net loans and leases to total assets | 31.7506% | 7,178 |
| Net loans and leases to deposits | 35.7979% | 7,229 |
| Net loans and leases to core deposits | 45.4674% | 6,993 |
| Total domestic deposits to total assets | 71.1614% | 7,128 |
| Equity capital to assets | 6.3401% | 7,244 |
| Core capital (leverage) ratio | 6.5769% | 7,151 |
| Tier 1 risk-based capital ratio | 11.3830% | 6,189 |
| Total risk-based capital ratio | 14.9858% | 4,221 |
| Memoranda: | ||
| Average total assets | $16,900,217,000 | 71 |
| Average earning assets | $16,335,012,500 | 68 |
| Average equity | $1,091,053,000 | 119 |
| Average total loans | $5,563,062,500 | 114 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3676% | 7,421 |
| Cost of funding earning assets | 0.1538% | 7,565 |
| Net interest margin | 3.2138% | 6,238 |
| Noninterest income to average assets | 0.9048% | 1,836 |
| Noninterest expense to average assets | 2.3334% | 6,261 |
| Loan and lease loss provision to assets | 0.3141% | 4,288 |
| Net operating income to assets | 0.8045% | 2,781 |
| Return on assets (ROA) | 0.9124% | 2,474 |
| Pretax return on assets | 1.5182% | 1,329 |
| Return on Equity (ROE) | 12.7574% | 1,156 |
| Retained earnings to average equity (ytd only) | 12.7537% | 225 |
| Net charge-offs to loans | 0.7334% | 2,823 |
| Credit loss provision to net charge-offs | 128.8275% | 3,099 |
| Earnings coverage of net charge-offs (x) | 6.8232% | 2,264 |
| Efficiency ratio | 58.3767% | 6,296 |
| Assets per employee ($millions) | 12.3072% | 144 |
| Cash dividends to net income (ytd only)* | 0.0295% | 3,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 4,053 |
| Loan loss allowance to noncurrent loans | 207.9959% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.2417% | 6,633 |
| Noncurrent loans to loans | 0.7179% | 5,609 |
| Net loans and leases to total assets | 33.1639% | 7,252 |
| Net loans and leases to deposits | 37.5615% | 7,312 |
| Net loans and leases to core deposits | 47.0362% | 7,111 |
| Total domestic deposits to total assets | 72.3133% | 7,056 |
| Equity capital to assets | 6.5796% | 7,242 |
| Core capital (leverage) ratio | 6.8231% | 7,099 |
| Tier 1 risk-based capital ratio | 11.6131% | 5,804 |
| Total risk-based capital ratio | 15.4760% | 3,679 |
| Memoranda: | ||
| Average total assets | $14,138,183,800 | 78 |
| Average earning assets | $13,603,941,400 | 74 |
| Average equity | $1,011,104,800 | 120 |
| Average total loans | $4,700,350,200 | 128 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4787% | 7,536 |
| Cost of funding earning assets | 0.1630% | 7,688 |
| Net interest margin | 3.3158% | 5,962 |
| Noninterest income to average assets | 0.8846% | 1,852 |
| Noninterest expense to average assets | 2.3277% | 6,243 |
| Loan and lease loss provision to assets | 0.2851% | 4,291 |
| Net operating income to assets | 0.8705% | 2,730 |
| Return on assets (ROA) | 1.0201% | 2,282 |
| Pretax return on assets | 1.6912% | 1,133 |
| Return on Equity (ROE) | 13.9297% | 1,051 |
| Retained earnings to average equity (ytd only) | 13.9293% | 280 |
| Net charge-offs to loans | 0.8066% | 2,437 |
| Credit loss provision to net charge-offs | 106.7431% | 4,007 |
| Earnings coverage of net charge-offs (x) | 6.5231% | 2,504 |
| Efficiency ratio | 57.1886% | 6,390 |
| Assets per employee ($millions) | 11.1618% | 200 |
| Cash dividends to net income (ytd only)* | 0.0029% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5267% | 3,842 |
| Loan loss allowance to noncurrent loans | 164.3690% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.3095% | 6,612 |
| Noncurrent loans to loans | 0.9288% | 5,381 |
| Net loans and leases to total assets | 32.8152% | 7,384 |
| Net loans and leases to deposits | 38.1162% | 7,419 |
| Net loans and leases to core deposits | 48.9542% | 7,163 |
| Total domestic deposits to total assets | 68.9691% | 7,328 |
| Equity capital to assets | 7.3518% | 7,207 |
| Core capital (leverage) ratio | 7.2984% | 7,008 |
| Tier 1 risk-based capital ratio | 12.6515% | 4,852 |
| Total risk-based capital ratio | 16.8581% | 2,907 |
| Memoranda: | ||
| Average total assets | $13,589,820,750 | 81 |
| Average earning assets | $13,056,540,750 | 75 |
| Average equity | $995,240,750 | 120 |
| Average total loans | $4,500,863,500 | 132 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5332% | 7,601 |
| Cost of funding earning assets | 0.1644% | 7,756 |
| Net interest margin | 3.3689% | 5,760 |
| Noninterest income to average assets | 0.8805% | 1,758 |
| Noninterest expense to average assets | 2.3387% | 6,249 |
| Loan and lease loss provision to assets | 0.2720% | 4,215 |
| Net operating income to assets | 0.9102% | 2,517 |
| Return on assets (ROA) | 0.9208% | 2,566 |
| Pretax return on assets | 1.5187% | 1,507 |
| Return on Equity (ROE) | 12.5913% | 1,331 |
| Retained earnings to average equity (ytd only) | 12.5907% | 426 |
| Net charge-offs to loans | 0.8581% | 2,114 |
| Credit loss provision to net charge-offs | 95.9237% | 4,240 |
| Earnings coverage of net charge-offs (x) | 6.2570% | 2,495 |
| Efficiency ratio | 56.8629% | 6,525 |
| Assets per employee ($millions) | 11.3516% | 185 |
| Cash dividends to net income (ytd only)* | 0.0049% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6093% | 3,407 |
| Loan loss allowance to noncurrent loans | 139.3457% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.3611% | 6,533 |
| Noncurrent loans to loans | 1.1549% | 5,030 |
| Net loans and leases to total assets | 30.7598% | 7,514 |
| Net loans and leases to deposits | 35.6078% | 7,539 |
| Net loans and leases to core deposits | 47.3174% | 7,311 |
| Total domestic deposits to total assets | 67.1632% | 7,470 |
| Equity capital to assets | 7.3010% | 7,227 |
| Core capital (leverage) ratio | 7.0432% | 7,160 |
| Tier 1 risk-based capital ratio | 12.9951% | 4,448 |
| Total risk-based capital ratio | 17.4643% | 2,539 |
| Memoranda: | ||
| Average total assets | $13,271,819,330 | 80 |
| Average earning assets | $12,734,193,000 | 74 |
| Average equity | $970,575,000 | 120 |
| Average total loans | $4,385,623,000 | 134 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5585% | 7,690 |
| Cost of funding earning assets | 0.1644% | 7,861 |
| Net interest margin | 3.3941% | 5,603 |
| Noninterest income to average assets | 0.8687% | 1,743 |
| Noninterest expense to average assets | 2.3669% | 6,195 |
| Loan and lease loss provision to assets | 0.3362% | 3,374 |
| Net operating income to assets | 0.8648% | 2,694 |
| Return on assets (ROA) | 0.8648% | 2,781 |
| Pretax return on assets | 1.4173% | 1,724 |
| Return on Equity (ROE) | 11.8148% | 1,543 |
| Retained earnings to average equity (ytd only) | 11.8136% | 777 |
| Net charge-offs to loans | 1.3699% | 1,256 |
| Credit loss provision to net charge-offs | 72.1221% | 4,056 |
| Earnings coverage of net charge-offs (x) | 3.7615% | 2,795 |
| Efficiency ratio | 57.4420% | 6,571 |
| Assets per employee ($millions) | 10.7218% | 218 |
| Cash dividends to net income (ytd only)* | 0.0108% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6220% | 3,358 |
| Loan loss allowance to noncurrent loans | 133.7615% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.3784% | 6,525 |
| Noncurrent loans to loans | 1.2126% | 4,940 |
| Net loans and leases to total assets | 30.6969% | 7,602 |
| Net loans and leases to deposits | 35.4168% | 7,632 |
| Net loans and leases to core deposits | 47.1183% | 7,392 |
| Total domestic deposits to total assets | 66.7844% | 7,582 |
| Equity capital to assets | 7.1583% | 7,307 |
| Core capital (leverage) ratio | 7.2850% | 7,044 |
| Tier 1 risk-based capital ratio | 13.2489% | 4,171 |
| Total risk-based capital ratio | 17.9006% | 2,346 |
| Memoranda: | ||
| Average total assets | $12,812,965,500 | 80 |
| Average earning assets | $12,275,582,500 | 74 |
| Average equity | $937,871,000 | 121 |
| Average total loans | $4,360,406,000 | 136 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2594% | 7,574 |
| Cost of funding earning assets | 0.3137% | 7,898 |
| Net interest margin | 3.9456% | 3,098 |
| Noninterest income to average assets | 1.0028% | 1,563 |
| Noninterest expense to average assets | 2.2812% | 6,800 |
| Loan and lease loss provision to assets | 0.8233% | 2,662 |
| Net operating income to assets | 0.8950% | 2,193 |
| Return on assets (ROA) | 0.8950% | 2,265 |
| Pretax return on assets | 1.5222% | 1,132 |
| Return on Equity (ROE) | 11.7041% | 1,233 |
| Retained earnings to average equity (ytd only) | 11.7041% | 231 |
| Net charge-offs to loans | 2.5616% | 894 |
| Credit loss provision to net charge-offs | 71.9019% | 6,452 |
| Earnings coverage of net charge-offs (x) | 2.0483% | 4,189 |
| Efficiency ratio | 49.3050% | 7,576 |
| Assets per employee ($millions) | 9.8477% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5933% | 3,304 |
| Loan loss allowance to noncurrent loans | 136.9664% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.4339% | 6,375 |
| Noncurrent loans to loans | 1.1633% | 5,000 |
| Net loans and leases to total assets | 36.5559% | 7,499 |
| Net loans and leases to deposits | 42.5654% | 7,555 |
| Net loans and leases to core deposits | 56.8933% | 7,373 |
| Total domestic deposits to total assets | 66.4831% | 7,625 |
| Equity capital to assets | 7.4976% | 7,037 |
| Core capital (leverage) ratio | 7.6720% | 6,583 |
| Tier 1 risk-based capital ratio | 12.4506% | 4,559 |
| Total risk-based capital ratio | 17.0503% | 2,538 |
| Memoranda: | ||
| Average total assets | $10,924,509,800 | 98 |
| Average earning assets | $10,033,780,200 | 96 |
| Average equity | $835,346,400 | 126 |
| Average total loans | $4,883,442,800 | 128 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3705% | 7,628 |
| Cost of funding earning assets | 0.3588% | 7,981 |
| Net interest margin | 4.0117% | 2,758 |
| Noninterest income to average assets | 1.0234% | 1,517 |
| Noninterest expense to average assets | 2.3012% | 6,702 |
| Loan and lease loss provision to assets | 0.9155% | 2,096 |
| Net operating income to assets | 0.8707% | 2,535 |
| Return on assets (ROA) | 0.8707% | 2,605 |
| Pretax return on assets | 1.4499% | 1,561 |
| Return on Equity (ROE) | 11.3238% | 1,538 |
| Retained earnings to average equity (ytd only) | 11.3238% | 439 |
| Net charge-offs to loans | 2.5093% | 730 |
| Credit loss provision to net charge-offs | 77.8379% | 5,813 |
| Earnings coverage of net charge-offs (x) | 2.0112% | 4,314 |
| Efficiency ratio | 49.3120% | 7,600 |
| Assets per employee ($millions) | 9.6813% | 296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8695% | 2,103 |
| Loan loss allowance to noncurrent loans | 119.9978% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.6098% | 5,923 |
| Noncurrent loans to loans | 1.5579% | 4,303 |
| Net loans and leases to total assets | 38.1760% | 7,542 |
| Net loans and leases to deposits | 44.8570% | 7,600 |
| Net loans and leases to core deposits | 58.3294% | 7,453 |
| Total domestic deposits to total assets | 67.7769% | 7,598 |
| Equity capital to assets | 7.5929% | 7,226 |
| Core capital (leverage) ratio | 8.1714% | 6,067 |
| Tier 1 risk-based capital ratio | 12.2093% | 4,783 |
| Total risk-based capital ratio | 16.9385% | 2,680 |
| Memoranda: | ||
| Average total assets | $10,607,771,500 | 108 |
| Average earning assets | $9,633,590,250 | 105 |
| Average equity | $815,666,000 | 130 |
| Average total loans | $4,972,089,750 | 133 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6083% | 7,520 |
| Cost of funding earning assets | 0.4240% | 8,064 |
| Net interest margin | 4.1842% | 2,046 |
| Noninterest income to average assets | 1.0657% | 1,400 |
| Noninterest expense to average assets | 2.4555% | 6,281 |
| Loan and lease loss provision to assets | 1.2743% | 1,344 |
| Net operating income to assets | 0.6496% | 3,469 |
| Return on assets (ROA) | 0.6496% | 3,577 |
| Pretax return on assets | 1.0628% | 2,762 |
| Return on Equity (ROE) | 8.4071% | 2,607 |
| Retained earnings to average equity (ytd only) | 8.4071% | 1,087 |
| Net charge-offs to loans | 2.4299% | 728 |
| Credit loss provision to net charge-offs | 104.9285% | 4,382 |
| Earnings coverage of net charge-offs (x) | 1.9244% | 4,141 |
| Efficiency ratio | 51.2350% | 7,572 |
| Assets per employee ($millions) | 8.7096% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2927% | 1,109 |
| Loan loss allowance to noncurrent loans | 99.0382% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 1.0387% | 4,891 |
| Noncurrent loans to loans | 2.3150% | 3,121 |
| Net loans and leases to total assets | 43.6654% | 7,351 |
| Net loans and leases to deposits | 52.1215% | 7,376 |
| Net loans and leases to core deposits | 68.7147% | 7,088 |
| Total domestic deposits to total assets | 66.3233% | 7,719 |
| Equity capital to assets | 7.8216% | 6,954 |
| Core capital (leverage) ratio | 8.1704% | 6,029 |
| Tier 1 risk-based capital ratio | 11.4001% | 5,498 |
| Total risk-based capital ratio | 16.0611% | 3,033 |
| Memoranda: | ||
| Average total assets | $10,174,352,670 | 114 |
| Average earning assets | $9,062,606,000 | 113 |
| Average equity | $786,166,330 | 137 |
| Average total loans | $5,085,247,330 | 134 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9461% | 7,063 |
| Cost of funding earning assets | 0.5058% | 8,097 |
| Net interest margin | 4.4403% | 1,249 |
| Noninterest income to average assets | 1.1477% | 1,120 |
| Noninterest expense to average assets | 2.3770% | 6,270 |
| Loan and lease loss provision to assets | 1.7604% | 703 |
| Net operating income to assets | 0.5253% | 4,315 |
| Return on assets (ROA) | 0.5253% | 4,501 |
| Pretax return on assets | 0.8355% | 3,952 |
| Return on Equity (ROE) | 6.8446% | 3,651 |
| Retained earnings to average equity (ytd only) | 6.8446% | 2,267 |
| Net charge-offs to loans | 3.1298% | 409 |
| Credit loss provision to net charge-offs | 106.3946% | 3,583 |
| Earnings coverage of net charge-offs (x) | 1.5689% | 3,944 |
| Efficiency ratio | 47.7982% | 7,735 |
| Assets per employee ($millions) | 8.2415% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2129% | 1,064 |
| Loan loss allowance to noncurrent loans | 108.6984% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.9960% | 4,705 |
| Noncurrent loans to loans | 2.0358% | 3,218 |
| Net loans and leases to total assets | 47.2797% | 7,082 |
| Net loans and leases to deposits | 57.1261% | 7,096 |
| Net loans and leases to core deposits | 75.7905% | 6,690 |
| Total domestic deposits to total assets | 65.6246% | 7,758 |
| Equity capital to assets | 7.9580% | 6,872 |
| Core capital (leverage) ratio | 8.3657% | 5,781 |
| Tier 1 risk-based capital ratio | 11.1493% | 5,761 |
| Total risk-based capital ratio | 16.3286% | 2,970 |
| Memoranda: | ||
| Average total assets | $9,874,636,000 | 116 |
| Average earning assets | $8,506,727,500 | 119 |
| Average equity | $757,909,500 | 139 |
| Average total loans | $5,220,469,000 | 134 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8279% | 1,593 |
| Cost of funding earning assets | 0.8759% | 8,096 |
| Net interest margin | 5.9520% | 117 |
| Noninterest income to average assets | 1.9375% | 362 |
| Noninterest expense to average assets | 2.9465% | 4,273 |
| Loan and lease loss provision to assets | 1.3921% | 997 |
| Net operating income to assets | 1.6742% | 714 |
| Return on assets (ROA) | 1.6743% | 682 |
| Pretax return on assets | 2.8271% | 114 |
| Return on Equity (ROE) | 18.9271% | 454 |
| Retained earnings to average equity (ytd only) | 15.0188% | 90 |
| Net charge-offs to loans | 0.8547% | 1,470 |
| Credit loss provision to net charge-offs | 247.9045% | 1,880 |
| Earnings coverage of net charge-offs (x) | 7.5133% | 3,094 |
| Efficiency ratio | 41.1204% | 8,102 |
| Assets per employee ($millions) | 7.7768% | 497 |
| Cash dividends to net income (ytd only)* | 20.6493% | 4,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9617% | 1,300 |
| Loan loss allowance to noncurrent loans | 123.0332% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.9343% | 4,492 |
| Noncurrent loans to loans | 1.5945% | 3,380 |
| Net loans and leases to total assets | 56.6361% | 6,367 |
| Net loans and leases to deposits | 69.0751% | 6,368 |
| Net loans and leases to core deposits | 88.8705% | 5,901 |
| Total domestic deposits to total assets | 67.1740% | 7,555 |
| Equity capital to assets | 7.3687% | 7,495 |
| Core capital (leverage) ratio | 9.1989% | 4,443 |
| Tier 1 risk-based capital ratio | 8.6642% | 7,952 |
| Total risk-based capital ratio | 13.7888% | 4,315 |
| Memoranda: | ||
| Average total assets | $7,231,831,000 | 142 |
| Average earning assets | $6,352,308,200 | 141 |
| Average equity | $639,738,800 | 157 |
| Average total loans | $4,751,535,000 | 141 |