Home > TD Bank USA > Performance and Condition Ratios
TD Bank USA, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2478% | 69 |
| Cost of funding earning assets | 3.8115% | 57 |
| Net interest margin | 6.4363% | 66 |
| Noninterest income to average assets | 0.7700% | 867 |
| Noninterest expense to average assets | 3.9001% | 403 |
| Loan and lease loss provision to assets | 1.3900% | 63 |
| Net operating income to assets | 1.2836% | 1,515 |
| Return on assets (ROA) | 1.2836% | 1,509 |
| Pretax return on assets | 1.6020% | 1,300 |
| Return on Equity (ROE) | 10.3000% | 2,233 |
| Retained earnings to average equity (ytd only) | 10.3021% | 1,124 |
| Net charge-offs to loans | 6.1841% | 34 |
| Credit loss provision to net charge-offs | 82.8415% | 1,388 |
| Earnings coverage of net charge-offs (x) | 1.7861% | 2,108 |
| Efficiency ratio | 56.6287% | 3,342 |
| Assets per employee ($millions) | 304.7145% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.2028% | 52 |
| Loan loss allowance to noncurrent loans | 436.9839% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6027% | 1,247 |
| Noncurrent loans to loans | 2.3348% | 339 |
| Net loans and leases to total assets | 23.1800% | 4,276 |
| Net loans and leases to deposits | 28.4263% | 4,276 |
| Net loans and leases to core deposits | 29.1587% | 4,267 |
| Total domestic deposits to total assets | 81.5400% | 3,392 |
| Equity capital to assets | 12.8082% | 974 |
| Core capital (leverage) ratio | 12.7768% | 1,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.2962% | 184 |
| Memoranda: | ||
| Average total assets | $35,124,185,000 | 62 |
| Average earning assets | $33,356,575,500 | 61 |
| Average equity | $4,376,212,500 | 57 |
| Average total loans | $9,498,789,000 | 130 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.2819% | 65 |
| Cost of funding earning assets | 4.5855% | 35 |
| Net interest margin | 6.6964% | 53 |
| Noninterest income to average assets | 0.9200% | 721 |
| Noninterest expense to average assets | 5.0069% | 233 |
| Loan and lease loss provision to assets | 1.5200% | 43 |
| Net operating income to assets | 0.4499% | 3,586 |
| Return on assets (ROA) | 0.3553% | 3,784 |
| Pretax return on assets | 0.6599% | 3,345 |
| Return on Equity (ROE) | 2.9600% | 3,866 |
| Retained earnings to average equity (ytd only) | 2.9563% | 3,060 |
| Net charge-offs to loans | 5.7918% | 40 |
| Credit loss provision to net charge-offs | 95.7775% | 1,965 |
| Earnings coverage of net charge-offs (x) | 1.4498% | 2,903 |
| Efficiency ratio | 68.5453% | 2,175 |
| Assets per employee ($millions) | 311.4992% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.3715% | 54 |
| Loan loss allowance to noncurrent loans | 408.6730% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.6478% | 1,122 |
| Noncurrent loans to loans | 2.2932% | 320 |
| Net loans and leases to total assets | 25.6000% | 4,274 |
| Net loans and leases to deposits | 31.2743% | 4,271 |
| Net loans and leases to core deposits | 31.9076% | 4,268 |
| Total domestic deposits to total assets | 81.8600% | 3,264 |
| Equity capital to assets | 12.1179% | 1,139 |
| Core capital (leverage) ratio | 12.4657% | 1,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.3228% | 224 |
| Memoranda: | ||
| Average total assets | $34,840,983,400 | 64 |
| Average earning assets | $33,234,635,200 | 60 |
| Average equity | $4,187,108,600 | 54 |
| Average total loans | $9,533,356,800 | 131 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.4479% | 64 |
| Cost of funding earning assets | 4.7206% | 39 |
| Net interest margin | 6.7273% | 58 |
| Noninterest income to average assets | 0.8200% | 844 |
| Noninterest expense to average assets | 5.2233% | 212 |
| Loan and lease loss provision to assets | 1.4500% | 46 |
| Net operating income to assets | 0.2249% | 3,968 |
| Return on assets (ROA) | 0.0981% | 4,145 |
| Pretax return on assets | 0.4167% | 3,781 |
| Return on Equity (ROE) | 0.8200% | 4,154 |
| Retained earnings to average equity (ytd only) | 0.8179% | 3,770 |
| Net charge-offs to loans | 5.8921% | 38 |
| Credit loss provision to net charge-offs | 90.5478% | 1,778 |
| Earnings coverage of net charge-offs (x) | 1.2660% | 2,683 |
| Efficiency ratio | 72.0705% | 1,782 |
| Assets per employee ($millions) | 292.4715% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.1050% | 55 |
| Loan loss allowance to noncurrent loans | 422.8618% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.6386% | 1,128 |
| Noncurrent loans to loans | 2.3897% | 302 |
| Net loans and leases to total assets | 24.0200% | 4,324 |
| Net loans and leases to deposits | 29.7633% | 4,321 |
| Net loans and leases to core deposits | 30.3731% | 4,316 |
| Total domestic deposits to total assets | 80.7100% | 3,361 |
| Equity capital to assets | 12.1051% | 1,245 |
| Core capital (leverage) ratio | 12.5239% | 1,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.6742% | 189 |
| Memoranda: | ||
| Average total assets | $34,673,501,250 | 67 |
| Average earning assets | $33,110,145,750 | 62 |
| Average equity | $4,158,092,000 | 56 |
| Average total loans | $9,408,962,500 | 135 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.4263% | 65 |
| Cost of funding earning assets | 4.7356% | 32 |
| Net interest margin | 6.6907% | 61 |
| Noninterest income to average assets | 0.8000% | 865 |
| Noninterest expense to average assets | 4.2689% | 314 |
| Loan and lease loss provision to assets | 1.4100% | 42 |
| Net operating income to assets | 1.1403% | 1,621 |
| Return on assets (ROA) | 0.9510% | 2,148 |
| Pretax return on assets | 1.2662% | 1,778 |
| Return on Equity (ROE) | 7.9500% | 2,746 |
| Retained earnings to average equity (ytd only) | 7.9543% | 1,380 |
| Net charge-offs to loans | 5.9884% | 36 |
| Credit loss provision to net charge-offs | 86.4243% | 1,606 |
| Earnings coverage of net charge-offs (x) | 1.7854% | 2,445 |
| Efficiency ratio | 59.4172% | 3,259 |
| Assets per employee ($millions) | 287.9575% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.1119% | 56 |
| Loan loss allowance to noncurrent loans | 438.4146% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.6261% | 1,085 |
| Noncurrent loans to loans | 2.3065% | 301 |
| Net loans and leases to total assets | 24.4000% | 4,337 |
| Net loans and leases to deposits | 30.1176% | 4,332 |
| Net loans and leases to core deposits | 30.7509% | 4,323 |
| Total domestic deposits to total assets | 81.0100% | 3,283 |
| Equity capital to assets | 12.6146% | 972 |
| Core capital (leverage) ratio | 12.8861% | 1,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.2920% | 185 |
| Memoranda: | ||
| Average total assets | $34,824,945,333 | 66 |
| Average earning assets | $33,248,102,667 | 61 |
| Average equity | $4,163,366,000 | 55 |
| Average total loans | $9,497,082,667 | 133 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.4305% | 68 |
| Cost of funding earning assets | 4.7298% | 31 |
| Net interest margin | 6.7007% | 66 |
| Noninterest income to average assets | 0.7300% | 958 |
| Noninterest expense to average assets | 4.4339% | 281 |
| Loan and lease loss provision to assets | 1.3600% | 49 |
| Net operating income to assets | 0.9772% | 1,996 |
| Return on assets (ROA) | 0.6053% | 3,164 |
| Pretax return on assets | 0.8675% | 2,750 |
| Return on Equity (ROE) | 5.2000% | 3,407 |
| Retained earnings to average equity (ytd only) | 5.1999% | 2,345 |
| Net charge-offs to loans | 5.9370% | 19 |
| Credit loss provision to net charge-offs | 84.0331% | 1,268 |
| Earnings coverage of net charge-offs (x) | 1.6634% | 2,039 |
| Efficiency ratio | 62.1603% | 3,014 |
| Assets per employee ($millions) | 275.0824% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.1631% | 15 |
| Loan loss allowance to noncurrent loans | 424.2317% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.6447% | 991 |
| Noncurrent loans to loans | 2.3956% | 240 |
| Net loans and leases to total assets | 24.1800% | 4,361 |
| Net loans and leases to deposits | 29.0127% | 4,354 |
| Net loans and leases to core deposits | 29.2133% | 4,394 |
| Total domestic deposits to total assets | 83.3300% | 2,902 |
| Equity capital to assets | 12.2689% | 1,051 |
| Core capital (leverage) ratio | 12.1648% | 1,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.0478% | 205 |
| Memoranda: | ||
| Average total assets | $35,391,902,500 | 65 |
| Average earning assets | $33,829,737,500 | 61 |
| Average equity | $4,120,056,000 | 54 |
| Average total loans | $9,672,995,500 | 131 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.9955% | 67 |
| Cost of funding earning assets | 4.5725% | 34 |
| Net interest margin | 6.4231% | 82 |
| Noninterest income to average assets | 0.8800% | 794 |
| Noninterest expense to average assets | 3.8568% | 410 |
| Loan and lease loss provision to assets | 1.4300% | 45 |
| Net operating income to assets | 1.3983% | 1,221 |
| Return on assets (ROA) | 1.3982% | 1,192 |
| Pretax return on assets | 1.7426% | 977 |
| Return on Equity (ROE) | 13.4000% | 1,629 |
| Retained earnings to average equity (ytd only) | 13.4012% | 460 |
| Net charge-offs to loans | 4.6050% | 20 |
| Credit loss provision to net charge-offs | 120.1673% | 1,668 |
| Earnings coverage of net charge-offs (x) | 2.6620% | 2,682 |
| Efficiency ratio | 54.8286% | 3,616 |
| Assets per employee ($millions) | 333.9312% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.5454% | 17 |
| Loan loss allowance to noncurrent loans | 426.0697% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.6212% | 879 |
| Noncurrent loans to loans | 2.2403% | 233 |
| Net loans and leases to total assets | 25.0800% | 4,365 |
| Net loans and leases to deposits | 29.8841% | 4,356 |
| Net loans and leases to core deposits | 30.0796% | 4,395 |
| Total domestic deposits to total assets | 83.9300% | 2,644 |
| Equity capital to assets | 11.0483% | 1,450 |
| Core capital (leverage) ratio | 11.8305% | 1,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.3847% | 233 |
| Memoranda: | ||
| Average total assets | $36,109,784,200 | 64 |
| Average earning assets | $34,576,000,600 | 58 |
| Average equity | $3,767,568,800 | 55 |
| Average total loans | $9,359,946,600 | 131 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.9199% | 63 |
| Cost of funding earning assets | 4.5108% | 35 |
| Net interest margin | 6.4092% | 78 |
| Noninterest income to average assets | 0.8200% | 900 |
| Noninterest expense to average assets | 3.8560% | 393 |
| Loan and lease loss provision to assets | 1.3400% | 43 |
| Net operating income to assets | 1.4232% | 1,270 |
| Return on assets (ROA) | 1.4233% | 1,251 |
| Pretax return on assets | 1.7617% | 1,061 |
| Return on Equity (ROE) | 13.8500% | 1,692 |
| Retained earnings to average equity (ytd only) | 13.8471% | 692 |
| Net charge-offs to loans | 4.3762% | 21 |
| Credit loss provision to net charge-offs | 120.5191% | 1,482 |
| Earnings coverage of net charge-offs (x) | 2.7860% | 2,464 |
| Efficiency ratio | 55.3968% | 3,453 |
| Assets per employee ($millions) | 332.7734% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.7085% | 15 |
| Loan loss allowance to noncurrent loans | 442.7689% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.5594% | 1,042 |
| Noncurrent loans to loans | 2.1927% | 247 |
| Net loans and leases to total assets | 23.0400% | 4,406 |
| Net loans and leases to deposits | 26.6443% | 4,410 |
| Net loans and leases to core deposits | 26.8102% | 4,410 |
| Total domestic deposits to total assets | 86.4500% | 2,057 |
| Equity capital to assets | 10.9830% | 1,349 |
| Core capital (leverage) ratio | 11.2663% | 1,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.8485% | 222 |
| Memoranda: | ||
| Average total assets | $36,037,605,000 | 65 |
| Average earning assets | $34,519,959,000 | 59 |
| Average equity | $3,704,108,750 | 57 |
| Average total loans | $9,176,812,500 | 133 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.6919% | 63 |
| Cost of funding earning assets | 4.3631% | 25 |
| Net interest margin | 6.3288% | 87 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 3.8037% | 403 |
| Loan and lease loss provision to assets | 1.2700% | 47 |
| Net operating income to assets | 1.4052% | 1,315 |
| Return on assets (ROA) | 1.4053% | 1,299 |
| Pretax return on assets | 1.7648% | 1,086 |
| Return on Equity (ROE) | 13.9900% | 1,684 |
| Retained earnings to average equity (ytd only) | 13.9863% | 679 |
| Net charge-offs to loans | 4.2051% | 22 |
| Credit loss provision to net charge-offs | 118.3439% | 1,334 |
| Earnings coverage of net charge-offs (x) | 2.8325% | 2,296 |
| Efficiency ratio | 55.6517% | 3,462 |
| Assets per employee ($millions) | 346.9874% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.5867% | 18 |
| Loan loss allowance to noncurrent loans | 509.1394% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.4657% | 1,156 |
| Noncurrent loans to loans | 1.8829% | 310 |
| Net loans and leases to total assets | 22.3600% | 4,435 |
| Net loans and leases to deposits | 25.7405% | 4,440 |
| Net loans and leases to core deposits | 25.9125% | 4,443 |
| Total domestic deposits to total assets | 86.8700% | 1,969 |
| Equity capital to assets | 10.5280% | 1,588 |
| Core capital (leverage) ratio | 10.7623% | 2,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.8400% | 224 |
| Memoranda: | ||
| Average total assets | $36,181,222,000 | 62 |
| Average earning assets | $34,666,514,000 | 57 |
| Average equity | $3,635,246,667 | 57 |
| Average total loans | $9,207,764,333 | 129 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4103% | 25 |
| Cost of funding earning assets | 4.0600% | 3 |
| Net interest margin | 6.3503% | 80 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 3.6905% | 445 |
| Loan and lease loss provision to assets | 1.3700% | 55 |
| Net operating income to assets | 1.3677% | 1,495 |
| Return on assets (ROA) | 1.3678% | 1,465 |
| Pretax return on assets | 1.7261% | 1,223 |
| Return on Equity (ROE) | 13.9500% | 1,784 |
| Retained earnings to average equity (ytd only) | 13.9458% | 949 |
| Net charge-offs to loans | 4.0338% | 25 |
| Credit loss provision to net charge-offs | 132.0100% | 999 |
| Earnings coverage of net charge-offs (x) | 2.9781% | 1,907 |
| Efficiency ratio | 54.3476% | 3,570 |
| Assets per employee ($millions) | 375.8800% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.5637% | 11 |
| Loan loss allowance to noncurrent loans | 516.5074% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.4515% | 1,130 |
| Noncurrent loans to loans | 1.8516% | 324 |
| Net loans and leases to total assets | 22.0500% | 4,496 |
| Net loans and leases to deposits | 25.2960% | 4,503 |
| Net loans and leases to core deposits | 25.4620% | 4,500 |
| Total domestic deposits to total assets | 87.1800% | 2,200 |
| Equity capital to assets | 10.0244% | 1,811 |
| Core capital (leverage) ratio | 10.4867% | 2,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7985% | 249 |
| Memoranda: | ||
| Average total assets | $36,228,489,000 | 66 |
| Average earning assets | $34,730,469,000 | 61 |
| Average equity | $3,553,260,000 | 61 |
| Average total loans | $9,349,084,000 | 131 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5233% | 38 |
| Cost of funding earning assets | 1.6182% | 15 |
| Net interest margin | 5.9051% | 59 |
| Noninterest income to average assets | 1.1400% | 514 |
| Noninterest expense to average assets | 4.7285% | 240 |
| Loan and lease loss provision to assets | 0.7300% | 67 |
| Net operating income to assets | 1.1163% | 2,096 |
| Return on assets (ROA) | 1.1162% | 2,037 |
| Pretax return on assets | 1.3747% | 1,845 |
| Return on Equity (ROE) | 11.1500% | 2,423 |
| Retained earnings to average equity (ytd only) | 11.1462% | 851 |
| Net charge-offs to loans | 2.6869% | 21 |
| Credit loss provision to net charge-offs | 103.5127% | 1,530 |
| Earnings coverage of net charge-offs (x) | 2.9837% | 2,483 |
| Efficiency ratio | 69.1937% | 1,799 |
| Assets per employee ($millions) | 371.0991% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3622% | 11 |
| Loan loss allowance to noncurrent loans | 515.4365% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.4420% | 1,153 |
| Noncurrent loans to loans | 1.6224% | 392 |
| Net loans and leases to total assets | 24.9700% | 4,494 |
| Net loans and leases to deposits | 28.3854% | 4,499 |
| Net loans and leases to core deposits | 28.5709% | 4,502 |
| Total domestic deposits to total assets | 87.9600% | 2,081 |
| Equity capital to assets | 9.5886% | 1,940 |
| Core capital (leverage) ratio | 10.1662% | 2,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7373% | 287 |
| Memoranda: | ||
| Average total assets | $33,738,804,400 | 70 |
| Average earning assets | $32,517,742,600 | 66 |
| Average equity | $3,378,524,200 | 66 |
| Average total loans | $8,859,527,400 | 136 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7816% | 44 |
| Cost of funding earning assets | 0.9778% | 68 |
| Net interest margin | 5.8038% | 56 |
| Noninterest income to average assets | 1.1000% | 572 |
| Noninterest expense to average assets | 4.6632% | 236 |
| Loan and lease loss provision to assets | 0.5600% | 88 |
| Net operating income to assets | 1.2196% | 1,634 |
| Return on assets (ROA) | 1.2194% | 1,609 |
| Pretax return on assets | 1.4818% | 1,465 |
| Return on Equity (ROE) | 12.0400% | 2,018 |
| Retained earnings to average equity (ytd only) | 12.0387% | 782 |
| Net charge-offs to loans | 2.4792% | 20 |
| Credit loss provision to net charge-offs | 86.9888% | 1,390 |
| Earnings coverage of net charge-offs (x) | 3.1698% | 2,215 |
| Efficiency ratio | 69.5400% | 1,817 |
| Assets per employee ($millions) | 401.1765% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.1074% | 11 |
| Loan loss allowance to noncurrent loans | 609.2893% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 1,525 |
| Noncurrent loans to loans | 1.4948% | 475 |
| Net loans and leases to total assets | 21.6200% | 4,574 |
| Net loans and leases to deposits | 24.9684% | 4,576 |
| Net loans and leases to core deposits | 25.1262% | 4,571 |
| Total domestic deposits to total assets | 86.5900% | 2,892 |
| Equity capital to assets | 9.3235% | 2,001 |
| Core capital (leverage) ratio | 9.9182% | 2,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.4371% | 215 |
| Memoranda: | ||
| Average total assets | $33,174,351,250 | 71 |
| Average earning assets | $32,026,333,250 | 68 |
| Average equity | $3,360,259,500 | 68 |
| Average total loans | $8,622,576,000 | 137 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2491% | 57 |
| Cost of funding earning assets | 0.3576% | 1,207 |
| Net interest margin | 5.8915% | 51 |
| Noninterest income to average assets | 1.0756% | 575 |
| Noninterest expense to average assets | 5.0340% | 170 |
| Loan and lease loss provision to assets | 0.1852% | 472 |
| Net operating income to assets | 1.2326% | 1,323 |
| Return on assets (ROA) | 1.2324% | 1,302 |
| Pretax return on assets | 1.5417% | 1,066 |
| Return on Equity (ROE) | 11.8100% | 1,719 |
| Retained earnings to average equity (ytd only) | 11.8100% | 635 |
| Net charge-offs to loans | 2.3412% | 25 |
| Credit loss provision to net charge-offs | 29.4782% | 1,571 |
| Earnings coverage of net charge-offs (x) | 2.7498% | 2,018 |
| Efficiency ratio | 74.4542% | 1,461 |
| Assets per employee ($millions) | 410.1773% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7726% | 13 |
| Loan loss allowance to noncurrent loans | 687.4635% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.2952% | 1,822 |
| Noncurrent loans to loans | 1.2761% | 619 |
| Net loans and leases to total assets | 21.1008% | 4,641 |
| Net loans and leases to deposits | 24.0959% | 4,641 |
| Net loans and leases to core deposits | 24.2436% | 4,643 |
| Total domestic deposits to total assets | 87.5703% | 2,739 |
| Equity capital to assets | 9.1870% | 2,243 |
| Core capital (leverage) ratio | 10.5971% | 1,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.4324% | 173 |
| Memoranda: | ||
| Average total assets | $32,063,446,667 | 73 |
| Average earning assets | $30,942,603,000 | 70 |
| Average equity | $3,345,763,333 | 67 |
| Average total loans | $8,602,084,000 | 136 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3200% | 50 |
| Cost of funding earning assets | 0.0859% | 4,292 |
| Net interest margin | 6.2340% | 42 |
| Noninterest income to average assets | 1.0943% | 563 |
| Noninterest expense to average assets | 5.5081% | 147 |
| Loan and lease loss provision to assets | -0.0553% | 4,523 |
| Net operating income to assets | 1.3350% | 928 |
| Return on assets (ROA) | 1.3341% | 920 |
| Pretax return on assets | 1.6411% | 771 |
| Return on Equity (ROE) | 11.9138% | 1,339 |
| Retained earnings to average equity (ytd only) | 11.9138% | 618 |
| Net charge-offs to loans | 2.2364% | 30 |
| Credit loss provision to net charge-offs | -8.5049% | 2,747 |
| Earnings coverage of net charge-offs (x) | 2.4393% | 1,705 |
| Efficiency ratio | 77.6333% | 1,347 |
| Assets per employee ($millions) | 287.9166% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.1818% | 12 |
| Loan loss allowance to noncurrent loans | 746.5201% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 1,751 |
| Noncurrent loans to loans | 1.2299% | 716 |
| Net loans and leases to total assets | 25.0746% | 4,593 |
| Net loans and leases to deposits | 30.2012% | 4,548 |
| Net loans and leases to core deposits | 30.4478% | 4,572 |
| Total domestic deposits to total assets | 83.0251% | 3,936 |
| Equity capital to assets | 11.2908% | 1,197 |
| Core capital (leverage) ratio | 11.4248% | 1,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.9018% | 168 |
| Memoranda: | ||
| Average total assets | $29,842,282,000 | 75 |
| Average earning assets | $28,725,408,000 | 75 |
| Average equity | $3,341,750,500 | 69 |
| Average total loans | $8,681,247,500 | 136 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0177% | 80 |
| Cost of funding earning assets | 0.0157% | 4,784 |
| Net interest margin | 6.0020% | 50 |
| Noninterest income to average assets | 1.2849% | 645 |
| Noninterest expense to average assets | 5.6691% | 140 |
| Loan and lease loss provision to assets | -0.2883% | 4,767 |
| Net operating income to assets | 1.3917% | 1,305 |
| Return on assets (ROA) | 1.3938% | 1,351 |
| Pretax return on assets | 1.6483% | 1,279 |
| Return on Equity (ROE) | 13.2596% | 1,382 |
| Retained earnings to average equity (ytd only) | 13.2596% | 373 |
| Net charge-offs to loans | 2.3538% | 18 |
| Credit loss provision to net charge-offs | -41.6827% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.9630% | 2,595 |
| Efficiency ratio | 80.6789% | 767 |
| Assets per employee ($millions) | 326.8268% | 8 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.9250% | 14 |
| Loan loss allowance to noncurrent loans | 836.6563% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.3262% | 1,932 |
| Noncurrent loans to loans | 1.0667% | 910 |
| Net loans and leases to total assets | 27.8519% | 4,571 |
| Net loans and leases to deposits | 32.4160% | 4,571 |
| Net loans and leases to core deposits | 32.8843% | 4,585 |
| Total domestic deposits to total assets | 85.9203% | 2,941 |
| Equity capital to assets | 11.1047% | 1,736 |
| Core capital (leverage) ratio | 11.0301% | 1,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4434% | 212 |
| Memoranda: | ||
| Average total assets | $29,519,386,800 | 78 |
| Average earning assets | $28,240,265,400 | 73 |
| Average equity | $3,102,935,400 | 73 |
| Average total loans | $8,673,574,600 | 135 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9507% | 94 |
| Cost of funding earning assets | 0.0163% | 4,865 |
| Net interest margin | 5.9344% | 60 |
| Noninterest income to average assets | 1.1536% | 860 |
| Noninterest expense to average assets | 5.7026% | 135 |
| Loan and lease loss provision to assets | -0.5128% | 4,883 |
| Net operating income to assets | 1.4072% | 1,517 |
| Return on assets (ROA) | 1.4069% | 1,575 |
| Pretax return on assets | 1.6319% | 1,602 |
| Return on Equity (ROE) | 13.5775% | 1,529 |
| Retained earnings to average equity (ytd only) | 13.5775% | 564 |
| Net charge-offs to loans | 2.5787% | 15 |
| Credit loss provision to net charge-offs | -68.3869% | 3,178 |
| Earnings coverage of net charge-offs (x) | 1.4929% | 2,375 |
| Efficiency ratio | 83.5904% | 543 |
| Assets per employee ($millions) | 314.3237% | 8 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.9738% | 13 |
| Loan loss allowance to noncurrent loans | 958.1610% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.2843% | 2,354 |
| Noncurrent loans to loans | 1.0409% | 1,090 |
| Net loans and leases to total assets | 24.5875% | 4,735 |
| Net loans and leases to deposits | 28.9627% | 4,722 |
| Net loans and leases to core deposits | 29.3813% | 4,736 |
| Total domestic deposits to total assets | 84.8938% | 3,152 |
| Equity capital to assets | 10.6420% | 2,328 |
| Core capital (leverage) ratio | 10.7370% | 1,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.0786% | 193 |
| Memoranda: | ||
| Average total assets | $29,463,923,500 | 78 |
| Average earning assets | $28,143,597,750 | 74 |
| Average equity | $3,053,003,000 | 75 |
| Average total loans | $8,568,156,750 | 138 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9638% | 104 |
| Cost of funding earning assets | 0.0196% | 4,895 |
| Net interest margin | 5.9442% | 64 |
| Noninterest income to average assets | 1.0201% | 1,039 |
| Noninterest expense to average assets | 5.7345% | 137 |
| Loan and lease loss provision to assets | -0.6953% | 4,935 |
| Net operating income to assets | 1.3166% | 1,813 |
| Return on assets (ROA) | 1.3161% | 1,884 |
| Pretax return on assets | 1.6485% | 1,618 |
| Return on Equity (ROE) | 12.8211% | 1,779 |
| Retained earnings to average equity (ytd only) | 12.8211% | 759 |
| Net charge-offs to loans | 2.9432% | 17 |
| Credit loss provision to net charge-offs | -79.5699% | 3,029 |
| Earnings coverage of net charge-offs (x) | 1.0916% | 2,175 |
| Efficiency ratio | 85.7385% | 485 |
| Assets per employee ($millions) | 289.1120% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.6607% | 12 |
| Loan loss allowance to noncurrent loans | 1,018.8016% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.2989% | 2,430 |
| Noncurrent loans to loans | 1.0464% | 1,173 |
| Net loans and leases to total assets | 25.5227% | 4,759 |
| Net loans and leases to deposits | 30.0815% | 4,752 |
| Net loans and leases to core deposits | 30.5469% | 4,770 |
| Total domestic deposits to total assets | 84.8454% | 3,163 |
| Equity capital to assets | 10.8155% | 2,133 |
| Core capital (leverage) ratio | 10.7228% | 1,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.6710% | 205 |
| Memoranda: | ||
| Average total assets | $29,226,872,000 | 79 |
| Average earning assets | $27,869,896,667 | 75 |
| Average equity | $3,000,259,667 | 77 |
| Average total loans | $8,677,119,333 | 137 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0753% | 99 |
| Cost of funding earning assets | 0.0341% | 4,908 |
| Net interest margin | 6.0412% | 64 |
| Noninterest income to average assets | 0.9018% | 1,320 |
| Noninterest expense to average assets | 5.9253% | 122 |
| Loan and lease loss provision to assets | -0.9378% | 4,954 |
| Net operating income to assets | 1.3892% | 1,598 |
| Return on assets (ROA) | 1.3879% | 1,685 |
| Pretax return on assets | 1.6605% | 1,580 |
| Return on Equity (ROE) | 13.8807% | 1,457 |
| Retained earnings to average equity (ytd only) | 13.8807% | 770 |
| Net charge-offs to loans | 3.3160% | 15 |
| Credit loss provision to net charge-offs | -93.5493% | 2,823 |
| Earnings coverage of net charge-offs (x) | 0.7224% | 1,880 |
| Efficiency ratio | 89.1091% | 404 |
| Assets per employee ($millions) | 331.7004% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.5819% | 11 |
| Loan loss allowance to noncurrent loans | 832.8336% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 2,259 |
| Noncurrent loans to loans | 1.3907% | 909 |
| Net loans and leases to total assets | 24.4924% | 4,804 |
| Net loans and leases to deposits | 29.1085% | 4,806 |
| Net loans and leases to core deposits | 82.5645% | 1,795 |
| Total domestic deposits to total assets | 84.1417% | 3,389 |
| Equity capital to assets | 10.0810% | 2,634 |
| Core capital (leverage) ratio | 10.1257% | 2,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2072% | 228 |
| Memoranda: | ||
| Average total assets | $29,529,264,000 | 81 |
| Average earning assets | $28,094,866,500 | 76 |
| Average equity | $2,952,585,500 | 78 |
| Average total loans | $8,927,255,000 | 132 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0672% | 28 |
| Cost of funding earning assets | 0.3418% | 3,920 |
| Net interest margin | 7.7254% | 22 |
| Noninterest income to average assets | 0.9450% | 1,161 |
| Noninterest expense to average assets | 4.0320% | 373 |
| Loan and lease loss provision to assets | 3.3048% | 14 |
| Net operating income to assets | 0.7903% | 3,130 |
| Return on assets (ROA) | 0.7908% | 3,245 |
| Pretax return on assets | 0.9010% | 3,362 |
| Return on Equity (ROE) | 6.6060% | 3,366 |
| Retained earnings to average equity (ytd only) | -1.8754% | 4,697 |
| Net charge-offs to loans | 4.6843% | 11 |
| Credit loss provision to net charge-offs | 180.7124% | 2,260 |
| Earnings coverage of net charge-offs (x) | 2.2995% | 3,176 |
| Efficiency ratio | 48.8346% | 4,591 |
| Assets per employee ($millions) | 356.1645% | 8 |
| Cash dividends to net income (ytd only)* | 128.3895% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.4867% | 12 |
| Loan loss allowance to noncurrent loans | 764.4130% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.4932% | 2,087 |
| Noncurrent loans to loans | 1.5027% | 887 |
| Net loans and leases to total assets | 29.0494% | 4,773 |
| Net loans and leases to deposits | 33.7045% | 4,793 |
| Net loans and leases to core deposits | 97.6360% | 1,025 |
| Total domestic deposits to total assets | 86.1883% | 2,281 |
| Equity capital to assets | 9.9149% | 3,207 |
| Core capital (leverage) ratio | 10.6292% | 2,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6884% | 296 |
| Memoranda: | ||
| Average total assets | $24,623,984,600 | 82 |
| Average earning assets | $23,242,833,000 | 81 |
| Average equity | $2,947,644,800 | 76 |
| Average total loans | $9,613,163,000 | 124 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6733% | 24 |
| Cost of funding earning assets | 0.4472% | 3,539 |
| Net interest margin | 8.2261% | 19 |
| Noninterest income to average assets | 0.7963% | 1,511 |
| Noninterest expense to average assets | 3.4675% | 735 |
| Loan and lease loss provision to assets | 4.3577% | 14 |
| Net operating income to assets | 0.6358% | 3,679 |
| Return on assets (ROA) | 0.6366% | 3,766 |
| Pretax return on assets | 0.7180% | 3,866 |
| Return on Equity (ROE) | 5.0483% | 3,884 |
| Retained earnings to average equity (ytd only) | -0.5810% | 4,563 |
| Net charge-offs to loans | 5.1767% | 11 |
| Credit loss provision to net charge-offs | 205.4456% | 2,098 |
| Earnings coverage of net charge-offs (x) | 2.3925% | 2,996 |
| Efficiency ratio | 40.4379% | 4,883 |
| Assets per employee ($millions) | 356.9220% | 8 |
| Cash dividends to net income (ytd only)* | 111.5086% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.8983% | 7 |
| Loan loss allowance to noncurrent loans | 929.9194% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.4801% | 2,284 |
| Noncurrent loans to loans | 1.3870% | 1,047 |
| Net loans and leases to total assets | 30.1496% | 4,818 |
| Net loans and leases to deposits | 35.6712% | 4,827 |
| Net loans and leases to core deposits | 109.5629% | 714 |
| Total domestic deposits to total assets | 84.5208% | 2,621 |
| Equity capital to assets | 11.5902% | 1,941 |
| Core capital (leverage) ratio | 12.0143% | 1,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4214% | 233 |
| Memoranda: | ||
| Average total assets | $23,478,608,750 | 83 |
| Average earning assets | $22,108,424,750 | 82 |
| Average equity | $2,960,633,500 | 76 |
| Average total loans | $9,620,198,000 | 122 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3687% | 20 |
| Cost of funding earning assets | 0.5875% | 3,028 |
| Net interest margin | 8.7811% | 19 |
| Noninterest income to average assets | 0.6622% | 1,893 |
| Noninterest expense to average assets | 3.1096% | 1,334 |
| Loan and lease loss provision to assets | 5.2696% | 13 |
| Net operating income to assets | 0.5323% | 3,926 |
| Return on assets (ROA) | 0.5335% | 4,004 |
| Pretax return on assets | 0.5875% | 4,087 |
| Return on Equity (ROE) | 4.1081% | 4,071 |
| Retained earnings to average equity (ytd only) | 4.1081% | 2,857 |
| Net charge-offs to loans | 5.3863% | 15 |
| Credit loss provision to net charge-offs | 225.8156% | 1,818 |
| Earnings coverage of net charge-offs (x) | 2.5094% | 2,769 |
| Efficiency ratio | 34.4584% | 4,990 |
| Assets per employee ($millions) | 348.9849% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0198% | 9 |
| Loan loss allowance to noncurrent loans | 636.9332% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.7100% | 1,732 |
| Noncurrent loans to loans | 1.8871% | 731 |
| Net loans and leases to total assets | 33.0990% | 4,801 |
| Net loans and leases to deposits | 39.8858% | 4,795 |
| Net loans and leases to core deposits | 120.9100% | 397 |
| Total domestic deposits to total assets | 82.9846% | 3,091 |
| Equity capital to assets | 12.6640% | 1,305 |
| Core capital (leverage) ratio | 12.2615% | 1,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.7960% | 220 |
| Memoranda: | ||
| Average total assets | $22,857,656,667 | 85 |
| Average earning assets | $21,613,549,000 | 81 |
| Average equity | $2,968,466,333 | 75 |
| Average total loans | $9,903,011,667 | 114 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4168% | 21 |
| Cost of funding earning assets | 0.9298% | 1,741 |
| Net interest margin | 9.4870% | 19 |
| Noninterest income to average assets | 0.7587% | 1,439 |
| Noninterest expense to average assets | 0.6699% | 5,087 |
| Loan and lease loss provision to assets | 8.8331% | 6 |
| Net operating income to assets | 0.2967% | 4,352 |
| Return on assets (ROA) | 0.2985% | 4,373 |
| Pretax return on assets | 0.2575% | 4,513 |
| Return on Equity (ROE) | 2.2684% | 4,393 |
| Retained earnings to average equity (ytd only) | 2.2684% | 3,347 |
| Net charge-offs to loans | 5.4721% | 19 |
| Credit loss provision to net charge-offs | 348.3144% | 1,085 |
| Earnings coverage of net charge-offs (x) | 3.5840% | 2,203 |
| Efficiency ratio | 6.4413% | 5,105 |
| Assets per employee ($millions) | 391.9065% | 8 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.1260% | 10 |
| Loan loss allowance to noncurrent loans | 545.2409% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.7396% | 1,823 |
| Noncurrent loans to loans | 2.0406% | 688 |
| Net loans and leases to total assets | 32.2135% | 4,859 |
| Net loans and leases to deposits | 37.5789% | 4,881 |
| Net loans and leases to core deposits | 127.1669% | 316 |
| Total domestic deposits to total assets | 85.7224% | 2,119 |
| Equity capital to assets | 10.9074% | 2,941 |
| Core capital (leverage) ratio | 14.7897% | 716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6080% | 295 |
| Memoranda: | ||
| Average total assets | $22,420,999,500 | 82 |
| Average earning assets | $21,270,210,000 | 81 |
| Average equity | $2,950,058,000 | 76 |
| Average total loans | $10,390,602,500 | 106 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.0372% | 16 |
| Cost of funding earning assets | 1.9044% | 90 |
| Net interest margin | 11.1327% | 17 |
| Noninterest income to average assets | 1.1152% | 764 |
| Noninterest expense to average assets | 6.9550% | 112 |
| Loan and lease loss provision to assets | 2.7713% | 29 |
| Net operating income to assets | 1.5335% | 978 |
| Return on assets (ROA) | 1.5855% | 921 |
| Pretax return on assets | 1.9835% | 618 |
| Return on Equity (ROE) | 10.2538% | 2,182 |
| Retained earnings to average equity (ytd only) | 10.2538% | 448 |
| Net charge-offs to loans | 4.9945% | 13 |
| Credit loss provision to net charge-offs | 99.6089% | 2,510 |
| Earnings coverage of net charge-offs (x) | 1.6857% | 3,508 |
| Efficiency ratio | 59.0696% | 3,831 |
| Assets per employee ($millions) | 278.1321% | 8 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7174% | 15 |
| Loan loss allowance to noncurrent loans | 337.3636% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 1.2282% | 946 |
| Noncurrent loans to loans | 1.9912% | 643 |
| Net loans and leases to total assets | 57.5384% | 3,805 |
| Net loans and leases to deposits | 73.0766% | 3,431 |
| Net loans and leases to core deposits | 241.0527% | 28 |
| Total domestic deposits to total assets | 78.7371% | 4,237 |
| Equity capital to assets | 16.5758% | 519 |
| Core capital (leverage) ratio | 16.8729% | 428 |
| Tier 1 risk-based capital ratio | 24.9638% | 752 |
| Total risk-based capital ratio | 26.2783% | 734 |
| Memoranda: | ||
| Average total assets | $18,176,835,400 | 90 |
| Average earning assets | $17,192,176,400 | 86 |
| Average equity | $2,810,560,200 | 75 |
| Average total loans | $10,125,492,400 | 109 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.0126% | 15 |
| Cost of funding earning assets | 2.0459% | 54 |
| Net interest margin | 10.9667% | 18 |
| Noninterest income to average assets | 1.0232% | 893 |
| Noninterest expense to average assets | 7.0898% | 107 |
| Loan and lease loss provision to assets | 2.4050% | 34 |
| Net operating income to assets | 1.5094% | 1,165 |
| Return on assets (ROA) | 1.5660% | 1,064 |
| Pretax return on assets | 1.9731% | 729 |
| Return on Equity (ROE) | 10.3088% | 2,299 |
| Retained earnings to average equity (ytd only) | 10.3088% | 681 |
| Net charge-offs to loans | 5.1088% | 13 |
| Credit loss provision to net charge-offs | 86.7752% | 2,429 |
| Earnings coverage of net charge-offs (x) | 1.5538% | 3,278 |
| Efficiency ratio | 61.5448% | 3,395 |
| Assets per employee ($millions) | 230.3093% | 8 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0179% | 13 |
| Loan loss allowance to noncurrent loans | 346.9233% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 1.1818% | 1,078 |
| Noncurrent loans to loans | 2.0229% | 667 |
| Net loans and leases to total assets | 54.3213% | 4,155 |
| Net loans and leases to deposits | 69.9274% | 3,775 |
| Net loans and leases to core deposits | 217.3598% | 38 |
| Total domestic deposits to total assets | 77.6825% | 4,412 |
| Equity capital to assets | 17.1081% | 474 |
| Core capital (leverage) ratio | 17.5309% | 389 |
| Tier 1 risk-based capital ratio | 27.0012% | 640 |
| Total risk-based capital ratio | 28.3189% | 621 |
| Memoranda: | ||
| Average total assets | $18,270,931,250 | 91 |
| Average earning assets | $17,281,820,000 | 86 |
| Average equity | $2,775,557,000 | 76 |
| Average total loans | $9,911,952,250 | 110 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.7200% | 15 |
| Cost of funding earning assets | 2.1703% | 23 |
| Net interest margin | 10.5496% | 17 |
| Noninterest income to average assets | 0.9833% | 901 |
| Noninterest expense to average assets | 7.0962% | 109 |
| Loan and lease loss provision to assets | 2.0305% | 40 |
| Net operating income to assets | 1.4666% | 1,243 |
| Return on assets (ROA) | 1.5503% | 1,054 |
| Pretax return on assets | 1.9409% | 767 |
| Return on Equity (ROE) | 10.6054% | 2,137 |
| Retained earnings to average equity (ytd only) | 10.6054% | 618 |
| Net charge-offs to loans | 5.2284% | 13 |
| Credit loss provision to net charge-offs | 73.2696% | 2,295 |
| Earnings coverage of net charge-offs (x) | 1.3953% | 3,025 |
| Efficiency ratio | 64.0541% | 3,126 |
| Assets per employee ($millions) | 222.6622% | 8 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9499% | 13 |
| Loan loss allowance to noncurrent loans | 356.3110% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 1.1730% | 1,149 |
| Noncurrent loans to loans | 1.9505% | 744 |
| Net loans and leases to total assets | 55.9594% | 4,080 |
| Net loans and leases to deposits | 72.7124% | 3,620 |
| Net loans and leases to core deposits | 226.6465% | 40 |
| Total domestic deposits to total assets | 76.9599% | 4,566 |
| Equity capital to assets | 17.5370% | 422 |
| Core capital (leverage) ratio | 15.2018% | 668 |
| Tier 1 risk-based capital ratio | 26.8308% | 635 |
| Total risk-based capital ratio | 28.1478% | 617 |
| Memoranda: | ||
| Average total assets | $18,757,049,670 | 90 |
| Average earning assets | $17,743,286,330 | 84 |
| Average equity | $2,741,969,670 | 76 |
| Average total loans | $9,941,897,330 | 110 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.0218% | 13 |
| Cost of funding earning assets | 2.0954% | 34 |
| Net interest margin | 9.9264% | 16 |
| Noninterest income to average assets | 0.8714% | 1,112 |
| Noninterest expense to average assets | 6.4644% | 121 |
| Loan and lease loss provision to assets | 2.0368% | 38 |
| Net operating income to assets | 1.3889% | 1,407 |
| Return on assets (ROA) | 1.3889% | 1,443 |
| Pretax return on assets | 1.7773% | 1,025 |
| Return on Equity (ROE) | 10.3225% | 2,232 |
| Retained earnings to average equity (ytd only) | 10.3225% | 960 |
| Net charge-offs to loans | 5.2279% | 12 |
| Credit loss provision to net charge-offs | 77.6700% | 1,799 |
| Earnings coverage of net charge-offs (x) | 1.4545% | 2,597 |
| Efficiency ratio | 62.2207% | 3,500 |
| Assets per employee ($millions) | 263.6981% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4891% | 10 |
| Loan loss allowance to noncurrent loans | 348.7855% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 1.0723% | 1,292 |
| Noncurrent loans to loans | 2.1472% | 672 |
| Net loans and leases to total assets | 46.1983% | 4,664 |
| Net loans and leases to deposits | 68.4786% | 3,885 |
| Net loans and leases to core deposits | 203.1703% | 41 |
| Total domestic deposits to total assets | 67.4639% | 5,185 |
| Equity capital to assets | 14.4485% | 895 |
| Core capital (leverage) ratio | 13.9951% | 960 |
| Tier 1 risk-based capital ratio | 25.1684% | 754 |
| Total risk-based capital ratio | 26.4861% | 726 |
| Memoranda: | ||
| Average total assets | $20,119,736,000 | 85 |
| Average earning assets | $19,067,227,000 | 83 |
| Average equity | $2,707,214,500 | 78 |
| Average total loans | $10,092,201,500 | 111 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7190% | 17 |
| Cost of funding earning assets | 1.6454% | 51 |
| Net interest margin | 9.0735% | 20 |
| Noninterest income to average assets | 1.0782% | 799 |
| Noninterest expense to average assets | 5.5643% | 152 |
| Loan and lease loss provision to assets | 2.6641% | 23 |
| Net operating income to assets | 1.1705% | 2,308 |
| Return on assets (ROA) | 1.1705% | 2,301 |
| Pretax return on assets | 1.4544% | 1,935 |
| Return on Equity (ROE) | 9.7032% | 2,640 |
| Retained earnings to average equity (ytd only) | 9.7032% | 679 |
| Net charge-offs to loans | 4.7938% | 16 |
| Credit loss provision to net charge-offs | 123.1091% | 2,124 |
| Earnings coverage of net charge-offs (x) | 1.9032% | 3,578 |
| Efficiency ratio | 56.7885% | 4,311 |
| Assets per employee ($millions) | 303.6173% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9096% | 14 |
| Loan loss allowance to noncurrent loans | 337.5720% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 1.0308% | 1,325 |
| Noncurrent loans to loans | 2.0468% | 656 |
| Net loans and leases to total assets | 46.8798% | 4,702 |
| Net loans and leases to deposits | 65.6979% | 4,141 |
| Net loans and leases to core deposits | 188.0017% | 46 |
| Total domestic deposits to total assets | 71.3566% | 5,107 |
| Equity capital to assets | 12.5684% | 1,549 |
| Core capital (leverage) ratio | 14.1397% | 885 |
| Tier 1 risk-based capital ratio | 22.0670% | 1,021 |
| Total risk-based capital ratio | 23.3796% | 992 |
| Memoranda: | ||
| Average total assets | $21,179,813,200 | 83 |
| Average earning assets | $20,085,089,000 | 78 |
| Average equity | $2,554,930,400 | 80 |
| Average total loans | $9,561,057,000 | 107 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.5758% | 19 |
| Cost of funding earning assets | 1.6244% | 40 |
| Net interest margin | 8.9513% | 23 |
| Noninterest income to average assets | 1.0481% | 867 |
| Noninterest expense to average assets | 5.7360% | 144 |
| Loan and lease loss provision to assets | 2.3093% | 31 |
| Net operating income to assets | 1.1860% | 2,285 |
| Return on assets (ROA) | 1.1860% | 2,289 |
| Pretax return on assets | 1.4889% | 1,937 |
| Return on Equity (ROE) | 9.9363% | 2,649 |
| Retained earnings to average equity (ytd only) | 9.9363% | 944 |
| Net charge-offs to loans | 4.8067% | 20 |
| Credit loss provision to net charge-offs | 109.6079% | 2,118 |
| Earnings coverage of net charge-offs (x) | 1.8028% | 3,310 |
| Efficiency ratio | 59.4736% | 3,889 |
| Assets per employee ($millions) | 274.1861% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0550% | 14 |
| Loan loss allowance to noncurrent loans | 340.8802% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 1.0176% | 1,424 |
| Noncurrent loans to loans | 2.0696% | 695 |
| Net loans and leases to total assets | 45.6975% | 4,816 |
| Net loans and leases to deposits | 56.3936% | 4,729 |
| Net loans and leases to core deposits | 131.5518% | 304 |
| Total domestic deposits to total assets | 81.0332% | 3,856 |
| Equity capital to assets | 13.6452% | 1,074 |
| Core capital (leverage) ratio | 13.0572% | 1,256 |
| Tier 1 risk-based capital ratio | 24.5778% | 793 |
| Total risk-based capital ratio | 25.8925% | 763 |
| Memoranda: | ||
| Average total assets | $21,161,463,500 | 82 |
| Average earning assets | $20,061,488,250 | 77 |
| Average equity | $2,525,865,250 | 81 |
| Average total loans | $9,275,573,750 | 108 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.0974% | 23 |
| Cost of funding earning assets | 1.5758% | 39 |
| Net interest margin | 8.5216% | 26 |
| Noninterest income to average assets | 1.0039% | 952 |
| Noninterest expense to average assets | 5.5571% | 161 |
| Loan and lease loss provision to assets | 2.1110% | 32 |
| Net operating income to assets | 1.1048% | 2,564 |
| Return on assets (ROA) | 1.1048% | 2,570 |
| Pretax return on assets | 1.4233% | 2,073 |
| Return on Equity (ROE) | 9.6615% | 2,732 |
| Retained earnings to average equity (ytd only) | 9.6615% | 1,022 |
| Net charge-offs to loans | 4.7929% | 20 |
| Credit loss provision to net charge-offs | 104.2032% | 1,958 |
| Earnings coverage of net charge-offs (x) | 1.7446% | 3,030 |
| Efficiency ratio | 60.4240% | 3,879 |
| Assets per employee ($millions) | 273.1260% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1810% | 16 |
| Loan loss allowance to noncurrent loans | 373.8443% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.8395% | 1,780 |
| Noncurrent loans to loans | 1.9209% | 802 |
| Net loans and leases to total assets | 40.5666% | 5,041 |
| Net loans and leases to deposits | 48.7041% | 5,010 |
| Net loans and leases to core deposits | 105.7271% | 1,259 |
| Total domestic deposits to total assets | 83.2920% | 3,331 |
| Equity capital to assets | 12.4711% | 1,551 |
| Core capital (leverage) ratio | 12.0001% | 1,713 |
| Tier 1 risk-based capital ratio | 24.9584% | 737 |
| Total risk-based capital ratio | 26.2734% | 718 |
| Memoranda: | ||
| Average total assets | $21,817,608,000 | 81 |
| Average earning assets | $20,706,127,670 | 77 |
| Average equity | $2,494,844,000 | 82 |
| Average total loans | $9,221,940,330 | 109 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8292% | 24 |
| Cost of funding earning assets | 1.5074% | 42 |
| Net interest margin | 8.3218% | 24 |
| Noninterest income to average assets | 0.9720% | 975 |
| Noninterest expense to average assets | 5.2194% | 193 |
| Loan and lease loss provision to assets | 2.3422% | 24 |
| Net operating income to assets | 1.0474% | 2,659 |
| Return on assets (ROA) | 1.0474% | 2,674 |
| Pretax return on assets | 1.3148% | 2,308 |
| Return on Equity (ROE) | 9.5536% | 2,657 |
| Retained earnings to average equity (ytd only) | 9.5536% | 1,297 |
| Net charge-offs to loans | 4.7651% | 20 |
| Credit loss provision to net charge-offs | 118.1154% | 1,394 |
| Earnings coverage of net charge-offs (x) | 1.8442% | 2,513 |
| Efficiency ratio | 58.1049% | 4,325 |
| Assets per employee ($millions) | 280.5767% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3692% | 15 |
| Loan loss allowance to noncurrent loans | 399.7670% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.7570% | 2,059 |
| Noncurrent loans to loans | 1.8434% | 897 |
| Net loans and leases to total assets | 38.0400% | 5,136 |
| Net loans and leases to deposits | 45.0990% | 5,126 |
| Net loans and leases to core deposits | 97.9996% | 1,833 |
| Total domestic deposits to total assets | 84.3479% | 3,170 |
| Equity capital to assets | 11.5334% | 2,103 |
| Core capital (leverage) ratio | 10.9553% | 2,487 |
| Tier 1 risk-based capital ratio | 24.0439% | 836 |
| Total risk-based capital ratio | 25.3591% | 808 |
| Memoranda: | ||
| Average total assets | $22,484,188,000 | 78 |
| Average earning assets | $21,356,458,000 | 75 |
| Average equity | $2,464,951,500 | 83 |
| Average total loans | $9,356,534,500 | 107 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4706% | 31 |
| Cost of funding earning assets | 1.1659% | 90 |
| Net interest margin | 7.3046% | 32 |
| Noninterest income to average assets | 1.4639% | 492 |
| Noninterest expense to average assets | 5.2613% | 192 |
| Loan and lease loss provision to assets | 2.0578% | 34 |
| Net operating income to assets | 0.6257% | 3,909 |
| Return on assets (ROA) | 0.6257% | 3,946 |
| Pretax return on assets | 1.0995% | 3,186 |
| Return on Equity (ROE) | 6.3311% | 3,614 |
| Retained earnings to average equity (ytd only) | 1.9905% | 4,130 |
| Net charge-offs to loans | 4.1759% | 21 |
| Credit loss provision to net charge-offs | 134.6308% | 1,966 |
| Earnings coverage of net charge-offs (x) | 2.0657% | 3,802 |
| Efficiency ratio | 61.7877% | 3,973 |
| Assets per employee ($millions) | 303.4281% | 6 |
| Cash dividends to net income (ytd only)* | 68.5598% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4385% | 19 |
| Loan loss allowance to noncurrent loans | 359.3040% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.7548% | 2,071 |
| Noncurrent loans to loans | 1.7919% | 892 |
| Net loans and leases to total assets | 39.4082% | 5,155 |
| Net loans and leases to deposits | 45.8168% | 5,198 |
| Net loans and leases to core deposits | 89.5071% | 2,612 |
| Total domestic deposits to total assets | 86.0127% | 2,429 |
| Equity capital to assets | 10.4357% | 3,229 |
| Core capital (leverage) ratio | 10.1141% | 3,295 |
| Tier 1 risk-based capital ratio | 21.4671% | 1,075 |
| Total risk-based capital ratio | 22.7733% | 1,049 |
| Memoranda: | ||
| Average total assets | $23,311,331,200 | 72 |
| Average earning assets | $22,194,635,600 | 68 |
| Average equity | $2,303,836,400 | 83 |
| Average total loans | $8,532,598,000 | 111 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2941% | 35 |
| Cost of funding earning assets | 1.0998% | 116 |
| Net interest margin | 7.1942% | 36 |
| Noninterest income to average assets | 1.5316% | 461 |
| Noninterest expense to average assets | 5.4440% | 181 |
| Loan and lease loss provision to assets | 1.8038% | 46 |
| Net operating income to assets | 0.7723% | 3,635 |
| Return on assets (ROA) | 0.7723% | 3,686 |
| Pretax return on assets | 1.1313% | 3,181 |
| Return on Equity (ROE) | 7.9260% | 3,162 |
| Retained earnings to average equity (ytd only) | 3.5213% | 3,814 |
| Net charge-offs to loans | 4.0823% | 25 |
| Credit loss provision to net charge-offs | 125.4552% | 1,936 |
| Earnings coverage of net charge-offs (x) | 2.0414% | 3,513 |
| Efficiency ratio | 64.2601% | 3,490 |
| Assets per employee ($millions) | 323.4661% | 5 |
| Cash dividends to net income (ytd only)* | 55.5728% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8837% | 13 |
| Loan loss allowance to noncurrent loans | 362.9537% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.6521% | 2,546 |
| Noncurrent loans to loans | 1.8966% | 918 |
| Net loans and leases to total assets | 32.0152% | 5,454 |
| Net loans and leases to deposits | 36.9834% | 5,482 |
| Net loans and leases to core deposits | 50.0072% | 5,198 |
| Total domestic deposits to total assets | 86.5665% | 2,063 |
| Equity capital to assets | 10.1210% | 3,778 |
| Core capital (leverage) ratio | 10.9067% | 2,543 |
| Tier 1 risk-based capital ratio | 24.8345% | 773 |
| Total risk-based capital ratio | 26.1442% | 750 |
| Memoranda: | ||
| Average total assets | $23,298,172,250 | 70 |
| Average earning assets | $22,174,988,750 | 67 |
| Average equity | $2,270,248,750 | 81 |
| Average total loans | $8,205,512,750 | 111 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2315% | 37 |
| Cost of funding earning assets | 1.0323% | 142 |
| Net interest margin | 7.1992% | 37 |
| Noninterest income to average assets | 1.4182% | 540 |
| Noninterest expense to average assets | 5.4937% | 182 |
| Loan and lease loss provision to assets | 1.6161% | 59 |
| Net operating income to assets | 0.7765% | 3,513 |
| Return on assets (ROA) | 0.7765% | 3,561 |
| Pretax return on assets | 1.1486% | 2,985 |
| Return on Equity (ROE) | 8.0791% | 2,978 |
| Retained earnings to average equity (ytd only) | 3.5513% | 3,594 |
| Net charge-offs to loans | 4.0190% | 29 |
| Credit loss provision to net charge-offs | 113.2281% | 1,850 |
| Earnings coverage of net charge-offs (x) | 1.9370% | 3,231 |
| Efficiency ratio | 65.7899% | 3,384 |
| Assets per employee ($millions) | 296.2012% | 5 |
| Cash dividends to net income (ytd only)* | 56.0438% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6129% | 18 |
| Loan loss allowance to noncurrent loans | 368.4914% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.6498% | 2,609 |
| Noncurrent loans to loans | 1.7946% | 1,007 |
| Net loans and leases to total assets | 33.8131% | 5,451 |
| Net loans and leases to deposits | 39.8018% | 5,461 |
| Net loans and leases to core deposits | 50.5211% | 5,204 |
| Total domestic deposits to total assets | 84.9537% | 2,834 |
| Equity capital to assets | 10.9611% | 2,846 |
| Core capital (leverage) ratio | 10.6154% | 2,790 |
| Tier 1 risk-based capital ratio | 25.0961% | 742 |
| Total risk-based capital ratio | 26.4019% | 724 |
| Memoranda: | ||
| Average total assets | $22,977,577,330 | 72 |
| Average earning assets | $21,831,986,000 | 68 |
| Average equity | $2,208,551,670 | 81 |
| Average total loans | $8,160,336,670 | 110 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0451% | 39 |
| Cost of funding earning assets | 0.9341% | 232 |
| Net interest margin | 7.1110% | 40 |
| Noninterest income to average assets | 1.2653% | 637 |
| Noninterest expense to average assets | 5.2367% | 212 |
| Loan and lease loss provision to assets | 1.7673% | 42 |
| Net operating income to assets | 0.6896% | 3,751 |
| Return on assets (ROA) | 0.6896% | 3,786 |
| Pretax return on assets | 1.0248% | 3,265 |
| Return on Equity (ROE) | 7.6880% | 3,078 |
| Retained earnings to average equity (ytd only) | 2.9155% | 3,955 |
| Net charge-offs to loans | 3.9172% | 32 |
| Credit loss provision to net charge-offs | 128.2244% | 1,328 |
| Earnings coverage of net charge-offs (x) | 2.0258% | 2,649 |
| Efficiency ratio | 64.4833% | 3,761 |
| Assets per employee ($millions) | 321.5306% | 5 |
| Cash dividends to net income (ytd only)* | 62.0779% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8234% | 19 |
| Loan loss allowance to noncurrent loans | 388.6916% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.5841% | 2,898 |
| Noncurrent loans to loans | 1.7555% | 1,081 |
| Net loans and leases to total assets | 31.0053% | 5,564 |
| Net loans and leases to deposits | 35.9436% | 5,584 |
| Net loans and leases to core deposits | 45.3719% | 5,378 |
| Total domestic deposits to total assets | 86.2611% | 2,552 |
| Equity capital to assets | 10.2760% | 3,433 |
| Core capital (leverage) ratio | 10.1716% | 3,283 |
| Tier 1 risk-based capital ratio | 25.4495% | 737 |
| Total risk-based capital ratio | 26.7570% | 711 |
| Memoranda: | ||
| Average total assets | $23,358,820,500 | 71 |
| Average earning assets | $22,217,004,000 | 68 |
| Average equity | $2,095,316,000 | 80 |
| Average total loans | $8,218,741,500 | 110 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2361% | 37 |
| Cost of funding earning assets | 0.7006% | 807 |
| Net interest margin | 7.5354% | 36 |
| Noninterest income to average assets | 1.7339% | 407 |
| Noninterest expense to average assets | 6.0078% | 162 |
| Loan and lease loss provision to assets | 1.6672% | 53 |
| Net operating income to assets | 0.7643% | 3,475 |
| Return on assets (ROA) | 0.7643% | 3,578 |
| Pretax return on assets | 1.1366% | 2,946 |
| Return on Equity (ROE) | 9.2401% | 2,293 |
| Retained earnings to average equity (ytd only) | 6.3181% | 1,556 |
| Net charge-offs to loans | 3.1044% | 38 |
| Credit loss provision to net charge-offs | 145.2032% | 1,887 |
| Earnings coverage of net charge-offs (x) | 2.4419% | 3,828 |
| Efficiency ratio | 67.4180% | 3,364 |
| Assets per employee ($millions) | 322.8599% | 4 |
| Cash dividends to net income (ytd only)* | 31.6230% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9142% | 24 |
| Loan loss allowance to noncurrent loans | 376.7059% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.5826% | 2,988 |
| Noncurrent loans to loans | 1.5700% | 1,259 |
| Net loans and leases to total assets | 34.9173% | 5,520 |
| Net loans and leases to deposits | 39.3317% | 5,567 |
| Net loans and leases to core deposits | 49.6639% | 5,312 |
| Total domestic deposits to total assets | 88.7765% | 1,213 |
| Equity capital to assets | 7.6515% | 5,677 |
| Core capital (leverage) ratio | 7.9211% | 5,652 |
| Tier 1 risk-based capital ratio | 17.1910% | 2,091 |
| Total risk-based capital ratio | 18.4896% | 2,037 |
| Memoranda: | ||
| Average total assets | $20,686,448,200 | 75 |
| Average earning assets | $19,430,141,800 | 72 |
| Average equity | $1,711,157,600 | 96 |
| Average total loans | $7,651,163,400 | 111 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4061% | 35 |
| Cost of funding earning assets | 0.0255% | 5,932 |
| Net interest margin | 8.3806% | 24 |
| Noninterest income to average assets | 1.6779% | 439 |
| Noninterest expense to average assets | 6.8702% | 140 |
| Loan and lease loss provision to assets | 1.4625% | 63 |
| Net operating income to assets | 0.7891% | 3,414 |
| Return on assets (ROA) | 0.7891% | 3,559 |
| Pretax return on assets | 1.1911% | 2,866 |
| Return on Equity (ROE) | 9.3367% | 2,343 |
| Retained earnings to average equity (ytd only) | 7.3693% | 1,452 |
| Net charge-offs to loans | 2.8921% | 39 |
| Credit loss provision to net charge-offs | 136.8588% | 1,899 |
| Earnings coverage of net charge-offs (x) | 2.4832% | 3,563 |
| Efficiency ratio | 71.4096% | 2,666 |
| Assets per employee ($millions) | 319.9597% | 4 |
| Cash dividends to net income (ytd only)* | 21.0713% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3282% | 22 |
| Loan loss allowance to noncurrent loans | 386.3882% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 3,209 |
| Noncurrent loans to loans | 1.6378% | 1,310 |
| Net loans and leases to total assets | 32.3889% | 5,668 |
| Net loans and leases to deposits | 35.7952% | 5,733 |
| Net loans and leases to core deposits | 45.5750% | 5,526 |
| Total domestic deposits to total assets | 90.4840% | 326 |
| Equity capital to assets | 8.3709% | 5,596 |
| Core capital (leverage) ratio | 8.4534% | 5,397 |
| Tier 1 risk-based capital ratio | 22.0733% | 1,127 |
| Total risk-based capital ratio | 23.3834% | 1,104 |
| Memoranda: | ||
| Average total assets | $20,046,582,750 | 77 |
| Average earning assets | $18,767,608,250 | 74 |
| Average equity | $1,694,279,000 | 96 |
| Average total loans | $7,407,188,750 | 113 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4894% | 33 |
| Cost of funding earning assets | 0.0270% | 6,010 |
| Net interest margin | 8.4624% | 24 |
| Noninterest income to average assets | 1.6643% | 448 |
| Noninterest expense to average assets | 7.0016% | 136 |
| Loan and lease loss provision to assets | 1.2954% | 75 |
| Net operating income to assets | 0.8274% | 3,181 |
| Return on assets (ROA) | 0.8274% | 3,317 |
| Pretax return on assets | 1.2537% | 2,592 |
| Return on Equity (ROE) | 9.7564% | 2,158 |
| Retained earnings to average equity (ytd only) | 9.7564% | 649 |
| Net charge-offs to loans | 2.8697% | 47 |
| Credit loss provision to net charge-offs | 119.4269% | 1,877 |
| Earnings coverage of net charge-offs (x) | 2.3501% | 3,288 |
| Efficiency ratio | 72.5711% | 2,576 |
| Assets per employee ($millions) | 293.4646% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9584% | 28 |
| Loan loss allowance to noncurrent loans | 390.3778% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.5519% | 3,370 |
| Noncurrent loans to loans | 1.5263% | 1,424 |
| Net loans and leases to total assets | 34.0024% | 5,676 |
| Net loans and leases to deposits | 37.9371% | 5,747 |
| Net loans and leases to core deposits | 48.3938% | 5,483 |
| Total domestic deposits to total assets | 89.6281% | 626 |
| Equity capital to assets | 8.9600% | 5,268 |
| Core capital (leverage) ratio | 8.8257% | 5,025 |
| Tier 1 risk-based capital ratio | 22.2443% | 1,109 |
| Total risk-based capital ratio | 23.5498% | 1,089 |
| Memoranda: | ||
| Average total assets | $19,689,664,000 | 78 |
| Average earning assets | $18,349,495,000 | 75 |
| Average equity | $1,669,799,670 | 96 |
| Average total loans | $7,442,338,000 | 111 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6759% | 32 |
| Cost of funding earning assets | 0.0298% | 6,069 |
| Net interest margin | 8.6461% | 28 |
| Noninterest income to average assets | 1.6164% | 454 |
| Noninterest expense to average assets | 7.2843% | 128 |
| Loan and lease loss provision to assets | 0.9405% | 101 |
| Net operating income to assets | 1.0074% | 2,242 |
| Return on assets (ROA) | 1.0074% | 2,358 |
| Pretax return on assets | 1.4112% | 1,870 |
| Return on Equity (ROE) | 12.2234% | 1,244 |
| Retained earnings to average equity (ytd only) | 12.2234% | 478 |
| Net charge-offs to loans | 2.9606% | 35 |
| Credit loss provision to net charge-offs | 82.2650% | 1,822 |
| Earnings coverage of net charge-offs (x) | 2.0570% | 2,735 |
| Efficiency ratio | 74.8626% | 2,345 |
| Assets per employee ($millions) | 302.7062% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5458% | 39 |
| Loan loss allowance to noncurrent loans | 355.0869% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.5623% | 3,383 |
| Noncurrent loans to loans | 1.5618% | 1,489 |
| Net loans and leases to total assets | 34.0062% | 5,716 |
| Net loans and leases to deposits | 37.7656% | 5,786 |
| Net loans and leases to core deposits | 48.0266% | 5,511 |
| Total domestic deposits to total assets | 90.0452% | 582 |
| Equity capital to assets | 8.3993% | 5,637 |
| Core capital (leverage) ratio | 7.9136% | 5,807 |
| Tier 1 risk-based capital ratio | 20.6930% | 1,363 |
| Total risk-based capital ratio | 21.9927% | 1,329 |
| Memoranda: | ||
| Average total assets | $19,703,432,000 | 78 |
| Average earning assets | $18,275,818,500 | 76 |
| Average equity | $1,623,837,000 | 96 |
| Average total loans | $7,608,915,500 | 106 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9423% | 40 |
| Cost of funding earning assets | 0.0242% | 6,137 |
| Net interest margin | 7.9181% | 32 |
| Noninterest income to average assets | 0.6374% | 2,526 |
| Noninterest expense to average assets | 5.9552% | 182 |
| Loan and lease loss provision to assets | 1.4022% | 53 |
| Net operating income to assets | 0.4254% | 4,967 |
| Return on assets (ROA) | 0.4707% | 4,889 |
| Pretax return on assets | 0.6171% | 4,787 |
| Return on Equity (ROE) | 5.4286% | 4,318 |
| Retained earnings to average equity (ytd only) | -0.9253% | 5,643 |
| Net charge-offs to loans | 3.5155% | 22 |
| Credit loss provision to net charge-offs | 124.6933% | 2,085 |
| Earnings coverage of net charge-offs (x) | 1.7427% | 4,038 |
| Efficiency ratio | 74.2742% | 2,536 |
| Assets per employee ($millions) | 281.8708% | 5 |
| Cash dividends to net income (ytd only)* | 117.0453% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9527% | 53 |
| Loan loss allowance to noncurrent loans | 366.1132% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.5577% | 3,421 |
| Noncurrent loans to loans | 1.3528% | 1,735 |
| Net loans and leases to total assets | 39.1826% | 5,559 |
| Net loans and leases to deposits | 43.2644% | 5,674 |
| Net loans and leases to core deposits | 54.7395% | 5,271 |
| Total domestic deposits to total assets | 90.5654% | 420 |
| Equity capital to assets | 8.0839% | 5,822 |
| Core capital (leverage) ratio | 7.9969% | 5,840 |
| Tier 1 risk-based capital ratio | 17.4029% | 2,153 |
| Total risk-based capital ratio | 18.6954% | 2,097 |
| Memoranda: | ||
| Average total assets | $18,150,929,800 | 77 |
| Average earning assets | $16,682,220,400 | 76 |
| Average equity | $1,573,820,000 | 95 |
| Average total loans | $5,806,022,800 | 128 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6461% | 44 |
| Cost of funding earning assets | 0.0241% | 6,223 |
| Net interest margin | 7.6220% | 35 |
| Noninterest income to average assets | 0.4712% | 3,561 |
| Noninterest expense to average assets | 5.4913% | 214 |
| Loan and lease loss provision to assets | 1.1211% | 59 |
| Net operating income to assets | 0.6176% | 4,300 |
| Return on assets (ROA) | 0.6457% | 4,265 |
| Pretax return on assets | 0.9022% | 3,976 |
| Return on Equity (ROE) | 7.3097% | 3,460 |
| Retained earnings to average equity (ytd only) | 0.9344% | 5,339 |
| Net charge-offs to loans | 3.8871% | 22 |
| Credit loss provision to net charge-offs | 98.0250% | 2,335 |
| Earnings coverage of net charge-offs (x) | 1.7349% | 3,788 |
| Efficiency ratio | 72.4117% | 2,807 |
| Assets per employee ($millions) | 285.0641% | 5 |
| Cash dividends to net income (ytd only)* | 87.2164% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9385% | 22 |
| Loan loss allowance to noncurrent loans | 407.4247% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 3,996 |
| Noncurrent loans to loans | 1.7030% | 1,419 |
| Net loans and leases to total assets | 24.5393% | 6,081 |
| Net loans and leases to deposits | 27.2970% | 6,112 |
| Net loans and leases to core deposits | 34.7867% | 6,033 |
| Total domestic deposits to total assets | 89.8974% | 617 |
| Equity capital to assets | 8.6184% | 5,633 |
| Core capital (leverage) ratio | 8.5395% | 5,522 |
| Tier 1 risk-based capital ratio | 27.9101% | 627 |
| Total risk-based capital ratio | 29.2246% | 607 |
| Memoranda: | ||
| Average total assets | $17,755,922,750 | 78 |
| Average earning assets | $16,316,985,000 | 79 |
| Average equity | $1,568,516,250 | 97 |
| Average total loans | $5,224,040,750 | 141 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8403% | 42 |
| Cost of funding earning assets | 0.0247% | 6,301 |
| Net interest margin | 7.8156% | 35 |
| Noninterest income to average assets | 0.4732% | 3,538 |
| Noninterest expense to average assets | 5.6845% | 204 |
| Loan and lease loss provision to assets | 1.0627% | 65 |
| Net operating income to assets | 0.6605% | 4,073 |
| Return on assets (ROA) | 0.6605% | 4,178 |
| Pretax return on assets | 0.9196% | 3,884 |
| Return on Equity (ROE) | 7.4101% | 3,366 |
| Retained earnings to average equity (ytd only) | 0.9279% | 5,199 |
| Net charge-offs to loans | 4.1675% | 19 |
| Credit loss provision to net charge-offs | 83.4866% | 2,287 |
| Earnings coverage of net charge-offs (x) | 1.5573% | 3,492 |
| Efficiency ratio | 73.0970% | 2,819 |
| Assets per employee ($millions) | 271.5667% | 5 |
| Cash dividends to net income (ytd only)* | 87.4783% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6149% | 23 |
| Loan loss allowance to noncurrent loans | 440.3797% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.4367% | 4,177 |
| Noncurrent loans to loans | 1.5021% | 1,770 |
| Net loans and leases to total assets | 27.1506% | 6,111 |
| Net loans and leases to deposits | 30.3853% | 6,139 |
| Net loans and leases to core deposits | 39.0262% | 5,988 |
| Total domestic deposits to total assets | 89.3543% | 974 |
| Equity capital to assets | 9.5311% | 4,613 |
| Core capital (leverage) ratio | 9.1008% | 4,815 |
| Tier 1 risk-based capital ratio | 28.4027% | 625 |
| Total risk-based capital ratio | 29.7121% | 611 |
| Memoranda: | ||
| Average total assets | $17,308,132,000 | 81 |
| Average earning assets | $15,930,840,670 | 83 |
| Average equity | $1,542,673,000 | 103 |
| Average total loans | $5,286,630,670 | 141 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1309% | 37 |
| Cost of funding earning assets | 0.0251% | 6,372 |
| Net interest margin | 8.1058% | 31 |
| Noninterest income to average assets | 0.4432% | 3,678 |
| Noninterest expense to average assets | 6.1464% | 184 |
| Loan and lease loss provision to assets | 0.7672% | 109 |
| Net operating income to assets | 0.7170% | 3,718 |
| Return on assets (ROA) | 0.7170% | 3,842 |
| Pretax return on assets | 0.9906% | 3,543 |
| Return on Equity (ROE) | 8.3350% | 2,793 |
| Retained earnings to average equity (ytd only) | 1.6043% | 4,835 |
| Net charge-offs to loans | 4.3327% | 23 |
| Credit loss provision to net charge-offs | 56.5986% | 2,039 |
| Earnings coverage of net charge-offs (x) | 1.2968% | 2,940 |
| Efficiency ratio | 76.7440% | 2,390 |
| Assets per employee ($millions) | 253.3687% | 6 |
| Cash dividends to net income (ytd only)* | 80.7520% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4716% | 27 |
| Loan loss allowance to noncurrent loans | 373.1442% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.5013% | 4,016 |
| Noncurrent loans to loans | 1.7343% | 1,576 |
| Net loans and leases to total assets | 27.0357% | 6,169 |
| Net loans and leases to deposits | 30.3625% | 6,191 |
| Net loans and leases to core deposits | 38.7748% | 6,015 |
| Total domestic deposits to total assets | 89.0432% | 1,236 |
| Equity capital to assets | 9.5399% | 4,701 |
| Core capital (leverage) ratio | 9.1698% | 4,758 |
| Tier 1 risk-based capital ratio | 28.5130% | 619 |
| Total risk-based capital ratio | 29.8210% | 605 |
| Memoranda: | ||
| Average total assets | $17,272,063,500 | 81 |
| Average earning assets | $15,898,121,500 | 82 |
| Average equity | $1,485,742,000 | 102 |
| Average total loans | $5,403,395,000 | 137 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8511% | 33 |
| Cost of funding earning assets | 0.0238% | 6,465 |
| Net interest margin | 8.8273% | 25 |
| Noninterest income to average assets | 0.6202% | 2,738 |
| Noninterest expense to average assets | 6.0799% | 174 |
| Loan and lease loss provision to assets | 1.7637% | 40 |
| Net operating income to assets | 0.6904% | 3,944 |
| Return on assets (ROA) | 0.6910% | 4,055 |
| Pretax return on assets | 1.0458% | 3,319 |
| Return on Equity (ROE) | 8.5047% | 2,833 |
| Retained earnings to average equity (ytd only) | 0.9214% | 5,369 |
| Net charge-offs to loans | 3.4936% | 24 |
| Credit loss provision to net charge-offs | 148.3253% | 1,627 |
| Earnings coverage of net charge-offs (x) | 2.3621% | 4,173 |
| Efficiency ratio | 67.4382% | 3,997 |
| Assets per employee ($millions) | 247.2708% | 7 |
| Cash dividends to net income (ytd only)* | 89.1655% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1261% | 36 |
| Loan loss allowance to noncurrent loans | 356.9853% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.5787% | 3,858 |
| Noncurrent loans to loans | 1.7161% | 1,696 |
| Net loans and leases to total assets | 31.6545% | 6,125 |
| Net loans and leases to deposits | 34.6893% | 6,204 |
| Net loans and leases to core deposits | 44.6682% | 5,936 |
| Total domestic deposits to total assets | 91.2514% | 283 |
| Equity capital to assets | 7.6410% | 6,194 |
| Core capital (leverage) ratio | 7.4580% | 6,217 |
| Tier 1 risk-based capital ratio | 20.0850% | 1,584 |
| Total risk-based capital ratio | 21.3910% | 1,541 |
| Memoranda: | ||
| Average total assets | $16,230,165,800 | 84 |
| Average earning assets | $15,202,364,800 | 79 |
| Average equity | $1,318,695,800 | 106 |
| Average total loans | $5,524,096,000 | 129 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0828% | 29 |
| Cost of funding earning assets | 0.0240% | 6,545 |
| Net interest margin | 9.0588% | 22 |
| Noninterest income to average assets | 0.6041% | 2,841 |
| Noninterest expense to average assets | 6.2284% | 168 |
| Loan and lease loss provision to assets | 1.7314% | 43 |
| Net operating income to assets | 0.7463% | 3,688 |
| Return on assets (ROA) | 0.7471% | 3,779 |
| Pretax return on assets | 1.1490% | 2,990 |
| Return on Equity (ROE) | 9.0514% | 2,655 |
| Retained earnings to average equity (ytd only) | 1.4898% | 5,300 |
| Net charge-offs to loans | 3.2939% | 28 |
| Credit loss provision to net charge-offs | 154.0516% | 1,547 |
| Earnings coverage of net charge-offs (x) | 2.5619% | 3,884 |
| Efficiency ratio | 67.4344% | 3,951 |
| Assets per employee ($millions) | 270.4923% | 7 |
| Cash dividends to net income (ytd only)* | 83.5403% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3475% | 40 |
| Loan loss allowance to noncurrent loans | 370.6358% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.5432% | 4,244 |
| Noncurrent loans to loans | 1.7126% | 1,900 |
| Net loans and leases to total assets | 29.7038% | 6,262 |
| Net loans and leases to deposits | 32.6683% | 6,328 |
| Net loans and leases to core deposits | 42.4781% | 6,103 |
| Total domestic deposits to total assets | 90.9253% | 383 |
| Equity capital to assets | 7.9314% | 6,166 |
| Core capital (leverage) ratio | 7.8333% | 6,164 |
| Tier 1 risk-based capital ratio | 22.1073% | 1,248 |
| Total risk-based capital ratio | 23.4161% | 1,224 |
| Memoranda: | ||
| Average total assets | $16,022,285,250 | 85 |
| Average earning assets | $15,040,272,500 | 79 |
| Average equity | $1,322,448,750 | 107 |
| Average total loans | $5,466,810,500 | 128 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3480% | 28 |
| Cost of funding earning assets | 0.0248% | 6,611 |
| Net interest margin | 9.3232% | 22 |
| Noninterest income to average assets | 0.6448% | 2,577 |
| Noninterest expense to average assets | 6.3604% | 162 |
| Loan and lease loss provision to assets | 1.7918% | 42 |
| Net operating income to assets | 0.7998% | 3,337 |
| Return on assets (ROA) | 0.8009% | 3,434 |
| Pretax return on assets | 1.2473% | 2,465 |
| Return on Equity (ROE) | 9.5738% | 2,341 |
| Retained earnings to average equity (ytd only) | 2.0382% | 4,871 |
| Net charge-offs to loans | 2.7397% | 66 |
| Credit loss provision to net charge-offs | 187.1090% | 1,231 |
| Earnings coverage of net charge-offs (x) | 3.1718% | 3,373 |
| Efficiency ratio | 66.7485% | 4,234 |
| Assets per employee ($millions) | 273.2968% | 7 |
| Cash dividends to net income (ytd only)* | 78.7104% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1652% | 47 |
| Loan loss allowance to noncurrent loans | 365.8645% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.5708% | 4,276 |
| Noncurrent loans to loans | 1.6851% | 2,060 |
| Net loans and leases to total assets | 31.7874% | 6,253 |
| Net loans and leases to deposits | 35.5354% | 6,308 |
| Net loans and leases to core deposits | 46.7096% | 5,964 |
| Total domestic deposits to total assets | 89.4526% | 1,116 |
| Equity capital to assets | 8.5296% | 5,776 |
| Core capital (leverage) ratio | 7.9247% | 6,147 |
| Tier 1 risk-based capital ratio | 21.9846% | 1,260 |
| Total risk-based capital ratio | 23.2913% | 1,232 |
| Memoranda: | ||
| Average total assets | $15,863,037,000 | 84 |
| Average earning assets | $14,892,783,670 | 79 |
| Average equity | $1,327,038,000 | 107 |
| Average total loans | $5,544,641,330 | 125 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3539% | 19 |
| Cost of funding earning assets | 0.0258% | 6,681 |
| Net interest margin | 10.3281% | 18 |
| Noninterest income to average assets | 0.3857% | 4,304 |
| Noninterest expense to average assets | 6.5466% | 159 |
| Loan and lease loss provision to assets | 2.0783% | 37 |
| Net operating income to assets | 0.9107% | 2,603 |
| Return on assets (ROA) | 0.9107% | 2,672 |
| Pretax return on assets | 1.4284% | 1,646 |
| Return on Equity (ROE) | 10.9915% | 1,684 |
| Retained earnings to average equity (ytd only) | 3.4511% | 4,065 |
| Net charge-offs to loans | 0.9401% | 369 |
| Credit loss provision to net charge-offs | 623.1622% | 452 |
| Earnings coverage of net charge-offs (x) | 10.5144% | 1,853 |
| Efficiency ratio | 64.2558% | 4,821 |
| Assets per employee ($millions) | 300.7037% | 6 |
| Cash dividends to net income (ytd only)* | 68.6022% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1754% | 43 |
| Loan loss allowance to noncurrent loans | 338.0183% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.6107% | 4,304 |
| Noncurrent loans to loans | 1.8269% | 2,102 |
| Net loans and leases to total assets | 31.3640% | 6,288 |
| Net loans and leases to deposits | 34.8356% | 6,351 |
| Net loans and leases to core deposits | 45.5722% | 6,012 |
| Total domestic deposits to total assets | 90.0343% | 1,059 |
| Equity capital to assets | 8.3549% | 5,780 |
| Core capital (leverage) ratio | 7.6608% | 6,283 |
| Tier 1 risk-based capital ratio | 21.6000% | 1,357 |
| Total risk-based capital ratio | 22.9062% | 1,328 |
| Memoranda: | ||
| Average total assets | $16,005,595,500 | 82 |
| Average earning assets | $14,981,968,500 | 78 |
| Average equity | $1,326,187,000 | 106 |
| Average total loans | $5,678,384,500 | 124 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3821% | 41 |
| Cost of funding earning assets | 0.0307% | 6,765 |
| Net interest margin | 8.3514% | 33 |
| Noninterest income to average assets | 0.4704% | 3,958 |
| Noninterest expense to average assets | 5.5671% | 236 |
| Loan and lease loss provision to assets | 1.6603% | 70 |
| Net operating income to assets | 0.7379% | 3,619 |
| Return on assets (ROA) | 0.7854% | 3,474 |
| Pretax return on assets | 1.2058% | 2,553 |
| Return on Equity (ROE) | 9.5874% | 2,287 |
| Retained earnings to average equity (ytd only) | 9.5874% | 653 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7373% | 4,606 |
| Assets per employee ($millions) | 459.2541% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2988% | 161 |
| Loan loss allowance to noncurrent loans | 251.1093% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.6421% | 4,309 |
| Noncurrent loans to loans | 1.7119% | 2,345 |
| Net loans and leases to total assets | 35.8968% | 6,209 |
| Net loans and leases to deposits | 39.7228% | 6,313 |
| Net loans and leases to core deposits | 52.2632% | 5,777 |
| Total domestic deposits to total assets | 90.3683% | 898 |
| Equity capital to assets | 8.2172% | 5,861 |
| Core capital (leverage) ratio | 7.3279% | 6,434 |
| Tier 1 risk-based capital ratio | 17.7273% | 2,332 |
| Total risk-based capital ratio | 19.0112% | 2,291 |
| Memoranda: | ||
| Average total assets | $15,530,902,600 | 80 |
| Average earning assets | $14,672,261,800 | 73 |
| Average equity | $1,272,335,000 | 108 |
| Average total loans | $4,614,380,200 | 140 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8143% | 52 |
| Cost of funding earning assets | 0.0322% | 6,845 |
| Net interest margin | 7.7821% | 37 |
| Noninterest income to average assets | 0.4976% | 3,822 |
| Noninterest expense to average assets | 5.2628% | 291 |
| Loan and lease loss provision to assets | 1.4985% | 79 |
| Net operating income to assets | 0.7062% | 3,824 |
| Return on assets (ROA) | 0.7692% | 3,636 |
| Pretax return on assets | 1.1950% | 2,717 |
| Return on Equity (ROE) | 9.3965% | 2,445 |
| Retained earnings to average equity (ytd only) | 9.3965% | 936 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1354% | 4,455 |
| Assets per employee ($millions) | 463.8427% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0980% | 501 |
| Loan loss allowance to noncurrent loans | 184.8873% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.5979% | 4,644 |
| Noncurrent loans to loans | 1.6756% | 2,678 |
| Net loans and leases to total assets | 34.5785% | 6,336 |
| Net loans and leases to deposits | 38.7595% | 6,419 |
| Net loans and leases to core deposits | 51.7263% | 5,906 |
| Total domestic deposits to total assets | 89.2129% | 1,451 |
| Equity capital to assets | 8.1874% | 6,015 |
| Core capital (leverage) ratio | 7.1235% | 6,563 |
| Tier 1 risk-based capital ratio | 18.6050% | 2,113 |
| Total risk-based capital ratio | 19.8756% | 2,076 |
| Memoranda: | ||
| Average total assets | $15,395,154,500 | 80 |
| Average earning assets | $14,560,858,500 | 74 |
| Average equity | $1,260,213,250 | 109 |
| Average total loans | $4,260,675,000 | 147 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5487% | 94 |
| Cost of funding earning assets | 0.0344% | 6,894 |
| Net interest margin | 6.5143% | 57 |
| Noninterest income to average assets | 0.4890% | 3,904 |
| Noninterest expense to average assets | 4.4818% | 534 |
| Loan and lease loss provision to assets | 1.2784% | 125 |
| Net operating income to assets | 0.5708% | 4,448 |
| Return on assets (ROA) | 0.6660% | 4,143 |
| Pretax return on assets | 1.0340% | 3,354 |
| Return on Equity (ROE) | 8.1361% | 3,024 |
| Retained earnings to average equity (ytd only) | 8.1361% | 1,426 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6249% | 4,427 |
| Assets per employee ($millions) | 519.3377% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7848% | 2,484 |
| Loan loss allowance to noncurrent loans | 109.5416% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.5610% | 4,846 |
| Noncurrent loans to loans | 1.6293% | 2,866 |
| Net loans and leases to total assets | 33.8145% | 6,423 |
| Net loans and leases to deposits | 37.5693% | 6,502 |
| Net loans and leases to core deposits | 50.4920% | 5,998 |
| Total domestic deposits to total assets | 90.0056% | 1,019 |
| Equity capital to assets | 7.7664% | 6,331 |
| Core capital (leverage) ratio | 7.3470% | 6,510 |
| Tier 1 risk-based capital ratio | 17.6611% | 2,457 |
| Total risk-based capital ratio | 18.9158% | 2,418 |
| Memoranda: | ||
| Average total assets | $15,269,989,000 | 80 |
| Average earning assets | $14,431,104,000 | 75 |
| Average equity | $1,249,881,330 | 109 |
| Average total loans | $3,805,036,000 | 161 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3008% | 6,154 |
| Cost of funding earning assets | 0.0377% | 6,972 |
| Net interest margin | 3.2631% | 4,666 |
| Noninterest income to average assets | 0.4699% | 3,995 |
| Noninterest expense to average assets | 2.4155% | 5,075 |
| Loan and lease loss provision to assets | 0.5026% | 540 |
| Net operating income to assets | 0.4338% | 4,985 |
| Return on assets (ROA) | 0.6356% | 4,207 |
| Pretax return on assets | 0.9583% | 3,537 |
| Return on Equity (ROE) | 7.5557% | 3,189 |
| Retained earnings to average equity (ytd only) | 7.5557% | 1,917 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1222% | 4,471 |
| Assets per employee ($millions) | 1,048.9012% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3598% | 6,873 |
| Loan loss allowance to noncurrent loans | 41.4651% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 0.3282% | 5,599 |
| Noncurrent loans to loans | 0.8677% | 4,391 |
| Net loans and leases to total assets | 37.6920% | 6,167 |
| Net loans and leases to deposits | 44.4493% | 6,168 |
| Net loans and leases to core deposits | 60.2115% | 5,125 |
| Total domestic deposits to total assets | 84.7977% | 4,140 |
| Equity capital to assets | 8.4757% | 6,042 |
| Core capital (leverage) ratio | 7.2949% | 6,548 |
| Tier 1 risk-based capital ratio | 17.0632% | 2,714 |
| Total risk-based capital ratio | 17.3947% | 3,138 |
| Memoranda: | ||
| Average total assets | $14,855,249,500 | 82 |
| Average earning assets | $14,116,193,500 | 76 |
| Average equity | $1,249,646,000 | 110 |
| Average total loans | $2,936,116,500 | 185 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2181% | 6,976 |
| Cost of funding earning assets | 0.0590% | 7,026 |
| Net interest margin | 2.1590% | 6,888 |
| Noninterest income to average assets | -0.0052% | 6,843 |
| Noninterest expense to average assets | 1.6417% | 6,765 |
| Loan and lease loss provision to assets | -0.0020% | 6,810 |
| Net operating income to assets | 0.2768% | 5,553 |
| Return on assets (ROA) | 0.2860% | 5,725 |
| Pretax return on assets | 0.4253% | 5,505 |
| Return on Equity (ROE) | 3.0452% | 5,537 |
| Retained earnings to average equity (ytd only) | 3.0452% | 4,091 |
| Net charge-offs to loans | 0.0055% | 5,888 |
| Credit loss provision to net charge-offs | -459.3220% | 6,507 |
| Earnings coverage of net charge-offs (x) | 925.5593% | 36 |
| Efficiency ratio | 80.0341% | 2,142 |
| Assets per employee ($millions) | 1,669.5424% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4160% | 6,886 |
| Loan loss allowance to noncurrent loans | 69.6938% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 6,652 |
| Noncurrent loans to loans | 0.5969% | 5,029 |
| Net loans and leases to total assets | 2.1030% | 7,037 |
| Net loans and leases to deposits | 2.3949% | 7,040 |
| Net loans and leases to core deposits | 3.2075% | 7,029 |
| Total domestic deposits to total assets | 87.8118% | 2,339 |
| Equity capital to assets | 8.3501% | 6,162 |
| Core capital (leverage) ratio | 8.4826% | 5,638 |
| Tier 1 risk-based capital ratio | 224.3477% | 28 |
| Total risk-based capital ratio | 224.6441% | 28 |
| Memoranda: | ||
| Average total assets | $13,333,782,400 | 87 |
| Average earning assets | $12,699,924,000 | 83 |
| Average equity | $1,252,410,600 | 114 |
| Average total loans | $1,067,339,800 | 403 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3903% | 7,069 |
| Cost of funding earning assets | 0.0668% | 7,134 |
| Net interest margin | 2.3235% | 6,935 |
| Noninterest income to average assets | -0.0873% | 7,016 |
| Noninterest expense to average assets | 1.7427% | 6,748 |
| Loan and lease loss provision to assets | -0.0022% | 6,939 |
| Net operating income to assets | 0.2471% | 5,788 |
| Return on assets (ROA) | 0.2596% | 5,945 |
| Pretax return on assets | 0.3943% | 5,733 |
| Return on Equity (ROE) | 2.6770% | 5,807 |
| Retained earnings to average equity (ytd only) | 2.6770% | 4,956 |
| Net charge-offs to loans | 0.0063% | 5,654 |
| Credit loss provision to net charge-offs | -361.0169% | 6,394 |
| Earnings coverage of net charge-offs (x) | 612.5281% | 67 |
| Efficiency ratio | 82.3623% | 1,769 |
| Assets per employee ($millions) | 1,448.1599% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1165% | 7,100 |
| Loan loss allowance to noncurrent loans | 97.1106% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 6,756 |
| Noncurrent loans to loans | 0.1200% | 6,309 |
| Net loans and leases to total assets | 9.0644% | 7,120 |
| Net loans and leases to deposits | 10.6559% | 7,127 |
| Net loans and leases to core deposits | 14.9398% | 7,102 |
| Total domestic deposits to total assets | 85.0647% | 3,713 |
| Equity capital to assets | 9.6519% | 4,990 |
| Core capital (leverage) ratio | 8.8787% | 5,227 |
| Tier 1 risk-based capital ratio | 164.5398% | 38 |
| Total risk-based capital ratio | 164.7684% | 38 |
| Memoranda: | ||
| Average total assets | $12,910,757,500 | 92 |
| Average earning assets | $12,241,608,000 | 83 |
| Average equity | $1,251,845,500 | 114 |
| Average total loans | $1,254,845,500 | 352 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4623% | 7,129 |
| Cost of funding earning assets | 0.0778% | 7,195 |
| Net interest margin | 2.3844% | 6,967 |
| Noninterest income to average assets | -0.0743% | 7,074 |
| Noninterest expense to average assets | 1.7370% | 6,812 |
| Loan and lease loss provision to assets | -0.0019% | 7,016 |
| Net operating income to assets | 0.2958% | 5,632 |
| Return on assets (ROA) | 0.3006% | 5,820 |
| Pretax return on assets | 0.4487% | 5,579 |
| Return on Equity (ROE) | 3.0952% | 5,655 |
| Retained earnings to average equity (ytd only) | 3.0952% | 4,578 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8007% | 2,215 |
| Assets per employee ($millions) | 1,571.4876% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1248% | 7,163 |
| Loan loss allowance to noncurrent loans | 103.3153% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 6,811 |
| Noncurrent loans to loans | 0.1208% | 6,363 |
| Net loans and leases to total assets | 9.7237% | 7,182 |
| Net loans and leases to deposits | 11.3992% | 7,187 |
| Net loans and leases to core deposits | 15.9878% | 7,160 |
| Total domestic deposits to total assets | 85.3016% | 3,708 |
| Equity capital to assets | 9.9861% | 4,359 |
| Core capital (leverage) ratio | 8.9481% | 4,986 |
| Tier 1 risk-based capital ratio | 153.1512% | 37 |
| Total risk-based capital ratio | 153.3878% | 37 |
| Memoranda: | ||
| Average total assets | $12,869,863,670 | 91 |
| Average earning assets | $12,149,112,670 | 83 |
| Average equity | $1,249,800,330 | 112 |
| Average total loans | $1,278,865,000 | 345 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5163% | 7,171 |
| Cost of funding earning assets | 0.0896% | 7,258 |
| Net interest margin | 2.4267% | 6,998 |
| Noninterest income to average assets | -0.0977% | 7,167 |
| Noninterest expense to average assets | 1.7112% | 6,887 |
| Loan and lease loss provision to assets | -0.0024% | 7,090 |
| Net operating income to assets | 0.3177% | 5,600 |
| Return on assets (ROA) | 0.3177% | 5,760 |
| Pretax return on assets | 0.4811% | 5,484 |
| Return on Equity (ROE) | 3.3168% | 5,587 |
| Retained earnings to average equity (ytd only) | 3.3168% | 4,576 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1380% | 2,478 |
| Assets per employee ($millions) | 1,564.6351% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1227% | 7,219 |
| Loan loss allowance to noncurrent loans | 105.1471% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 6,897 |
| Noncurrent loans to loans | 0.1167% | 6,463 |
| Net loans and leases to total assets | 10.2319% | 7,238 |
| Net loans and leases to deposits | 12.1157% | 7,241 |
| Net loans and leases to core deposits | 16.8274% | 7,219 |
| Total domestic deposits to total assets | 84.4516% | 4,298 |
| Equity capital to assets | 9.9993% | 4,123 |
| Core capital (leverage) ratio | 8.6024% | 5,441 |
| Tier 1 risk-based capital ratio | 174.8532% | 31 |
| Total risk-based capital ratio | 175.1264% | 31 |
| Memoranda: | ||
| Average total assets | $13,018,845,000 | 90 |
| Average earning assets | $12,273,272,000 | 82 |
| Average equity | $1,246,980,000 | 112 |
| Average total loans | $1,306,305,000 | 337 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6773% | 7,239 |
| Cost of funding earning assets | 0.2731% | 7,146 |
| Net interest margin | 2.4042% | 7,099 |
| Noninterest income to average assets | -0.1381% | 7,124 |
| Noninterest expense to average assets | 2.1383% | 6,412 |
| Loan and lease loss provision to assets | -0.0027% | 7,203 |
| Net operating income to assets | 0.0079% | 6,022 |
| Return on assets (ROA) | 0.0079% | 6,146 |
| Pretax return on assets | -0.0345% | 6,162 |
| Return on Equity (ROE) | 0.0756% | 6,145 |
| Retained earnings to average equity (ytd only) | -9.6879% | 6,690 |
| Net charge-offs to loans | -0.0001% | 6,786 |
| Credit loss provision to net charge-offs | 33,700.0000% | 4 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7702% | 626 |
| Assets per employee ($millions) | 1,931.5156% | 3 |
| Cash dividends to net income (ytd only)* | 12,906.5041% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1240% | 7,276 |
| Loan loss allowance to noncurrent loans | 104.3643% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 6,960 |
| Noncurrent loans to loans | 0.1188% | 6,518 |
| Net loans and leases to total assets | 9.8269% | 7,291 |
| Net loans and leases to deposits | 11.5077% | 7,295 |
| Net loans and leases to core deposits | 16.5863% | 7,269 |
| Total domestic deposits to total assets | 85.3938% | 3,648 |
| Equity capital to assets | 9.1885% | 5,309 |
| Core capital (leverage) ratio | 7.9918% | 6,285 |
| Tier 1 risk-based capital ratio | 160.3873% | 35 |
| Total risk-based capital ratio | 160.6503% | 36 |
| Memoranda: | ||
| Average total assets | $12,423,900,200 | 89 |
| Average earning assets | $11,571,136,600 | 85 |
| Average equity | $1,300,754,400 | 103 |
| Average total loans | $1,467,101,200 | 307 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7922% | 7,308 |
| Cost of funding earning assets | 0.3277% | 7,164 |
| Net interest margin | 2.4645% | 7,151 |
| Noninterest income to average assets | -0.1378% | 7,237 |
| Noninterest expense to average assets | 2.2648% | 6,133 |
| Loan and lease loss provision to assets | -0.0065% | 7,294 |
| Net operating income to assets | -0.0024% | 6,160 |
| Return on assets (ROA) | -0.0024% | 6,260 |
| Pretax return on assets | -0.1056% | 6,338 |
| Return on Equity (ROE) | -0.0226% | 6,261 |
| Retained earnings to average equity (ytd only) | -0.0226% | 5,960 |
| Net charge-offs to loans | -0.0001% | 6,653 |
| Credit loss provision to net charge-offs | 59,300.0000% | 1 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2099% | 520 |
| Assets per employee ($millions) | 1,675.4474% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1012% | 7,357 |
| Loan loss allowance to noncurrent loans | 108.8993% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 7,047 |
| Noncurrent loans to loans | 0.0929% | 6,700 |
| Net loans and leases to total assets | 10.2735% | 7,366 |
| Net loans and leases to deposits | 12.0533% | 7,371 |
| Net loans and leases to core deposits | 16.6535% | 7,344 |
| Total domestic deposits to total assets | 85.2337% | 3,656 |
| Equity capital to assets | 10.2047% | 4,075 |
| Core capital (leverage) ratio | 9.5376% | 4,101 |
| Tier 1 risk-based capital ratio | 162.2522% | 39 |
| Total risk-based capital ratio | 162.4582% | 39 |
| Memoranda: | ||
| Average total assets | $12,149,723,000 | 92 |
| Average earning assets | $11,291,784,750 | 87 |
| Average equity | $1,315,357,000 | 100 |
| Average total loans | $1,501,299,750 | 303 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8459% | 7,379 |
| Cost of funding earning assets | 0.3429% | 7,240 |
| Net interest margin | 2.5030% | 7,186 |
| Noninterest income to average assets | -0.0085% | 7,208 |
| Noninterest expense to average assets | 2.4635% | 5,654 |
| Loan and lease loss provision to assets | -0.0051% | 7,360 |
| Net operating income to assets | -0.0533% | 6,302 |
| Return on assets (ROA) | -0.0533% | 6,357 |
| Pretax return on assets | -0.1279% | 6,389 |
| Return on Equity (ROE) | -0.4819% | 6,355 |
| Retained earnings to average equity (ytd only) | -0.4819% | 5,958 |
| Net charge-offs to loans | -0.0001% | 6,515 |
| Credit loss provision to net charge-offs | 30,200.0000% | 5 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7094% | 564 |
| Assets per employee ($millions) | 1,545.7323% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1143% | 7,421 |
| Loan loss allowance to noncurrent loans | 131.3328% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 7,100 |
| Noncurrent loans to loans | 0.0870% | 6,766 |
| Net loans and leases to total assets | 11.9130% | 7,431 |
| Net loans and leases to deposits | 16.3376% | 7,427 |
| Net loans and leases to core deposits | 23.0915% | 7,386 |
| Total domestic deposits to total assets | 72.9176% | 6,931 |
| Equity capital to assets | 10.5644% | 3,426 |
| Core capital (leverage) ratio | 10.7369% | 2,485 |
| Tier 1 risk-based capital ratio | 151.2867% | 40 |
| Total risk-based capital ratio | 151.5199% | 40 |
| Memoranda: | ||
| Average total assets | $11,731,771,000 | 94 |
| Average earning assets | $10,963,187,000 | 90 |
| Average equity | $1,297,879,000 | 103 |
| Average total loans | $1,542,262,330 | 299 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9956% | 7,397 |
| Cost of funding earning assets | 0.3796% | 7,268 |
| Net interest margin | 2.6160% | 7,111 |
| Noninterest income to average assets | -0.0392% | 7,344 |
| Noninterest expense to average assets | 2.6332% | 5,104 |
| Loan and lease loss provision to assets | -0.0089% | 7,444 |
| Net operating income to assets | -0.1124% | 6,472 |
| Return on assets (ROA) | -0.1124% | 6,491 |
| Pretax return on assets | -0.2232% | 6,557 |
| Return on Equity (ROE) | -0.9919% | 6,484 |
| Retained earnings to average equity (ytd only) | -0.9919% | 5,985 |
| Net charge-offs to loans | -0.0003% | 6,163 |
| Credit loss provision to net charge-offs | 25,300.0000% | 5 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.6624% | 515 |
| Assets per employee ($millions) | 1,460.1858% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1121% | 7,472 |
| Loan loss allowance to noncurrent loans | 120.0000% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 7,162 |
| Noncurrent loans to loans | 0.0934% | 6,813 |
| Net loans and leases to total assets | 13.2259% | 7,484 |
| Net loans and leases to deposits | 18.4147% | 7,478 |
| Net loans and leases to core deposits | 27.3417% | 7,409 |
| Total domestic deposits to total assets | 71.8221% | 7,086 |
| Equity capital to assets | 10.8666% | 2,809 |
| Core capital (leverage) ratio | 11.2756% | 1,979 |
| Tier 1 risk-based capital ratio | 149.9548% | 40 |
| Total risk-based capital ratio | 150.1918% | 40 |
| Memoranda: | ||
| Average total assets | $11,414,727,500 | 98 |
| Average earning assets | $10,648,736,000 | 92 |
| Average equity | $1,293,628,500 | 105 |
| Average total loans | $1,575,979,500 | 295 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9909% | 7,145 |
| Cost of funding earning assets | 0.3648% | 7,458 |
| Net interest margin | 3.6261% | 4,695 |
| Noninterest income to average assets | -0.0916% | 7,384 |
| Noninterest expense to average assets | 3.2593% | 2,872 |
| Loan and lease loss provision to assets | -0.0044% | 7,567 |
| Net operating income to assets | -0.0837% | 5,967 |
| Return on assets (ROA) | -0.0837% | 6,034 |
| Pretax return on assets | 0.0058% | 5,887 |
| Return on Equity (ROE) | -0.6809% | 6,035 |
| Retained earnings to average equity (ytd only) | -3.2741% | 6,127 |
| Net charge-offs to loans | -0.0073% | 7,296 |
| Credit loss provision to net charge-offs | 379.3651% | 660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.9587% | 777 |
| Assets per employee ($millions) | 1,857.9948% | 4 |
| Cash dividends to net income (ytd only)* | -380.8487% | 7,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1237% | 7,548 |
| Loan loss allowance to noncurrent loans | 137.2495% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 7,216 |
| Noncurrent loans to loans | 0.0901% | 6,907 |
| Net loans and leases to total assets | 14.3817% | 7,567 |
| Net loans and leases to deposits | 20.3170% | 7,555 |
| Net loans and leases to core deposits | 30.8686% | 7,462 |
| Total domestic deposits to total assets | 70.7863% | 7,187 |
| Equity capital to assets | 11.8216% | 2,024 |
| Core capital (leverage) ratio | 11.8721% | 1,635 |
| Tier 1 risk-based capital ratio | 146.3855% | 44 |
| Total risk-based capital ratio | 146.6450% | 44 |
| Memoranda: | ||
| Average total assets | $10,982,322,000 | 98 |
| Average earning assets | $10,153,066,000 | 94 |
| Average equity | $1,349,679,800 | 93 |
| Average total loans | $1,732,418,800 | 274 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2470% | 7,034 |
| Cost of funding earning assets | 0.3465% | 7,611 |
| Net interest margin | 3.9005% | 3,519 |
| Noninterest income to average assets | 0.1321% | 6,899 |
| Noninterest expense to average assets | 3.5878% | 1,822 |
| Loan and lease loss provision to assets | 0.0027% | 6,968 |
| Net operating income to assets | -0.0339% | 6,066 |
| Return on assets (ROA) | -0.0339% | 6,184 |
| Pretax return on assets | 0.1436% | 5,845 |
| Return on Equity (ROE) | -0.2732% | 6,182 |
| Retained earnings to average equity (ytd only) | -3.7105% | 6,426 |
| Net charge-offs to loans | -0.0094% | 7,265 |
| Credit loss provision to net charge-offs | -175.2000% | 6,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0818% | 897 |
| Assets per employee ($millions) | 1,516.2206% | 4 |
| Cash dividends to net income (ytd only)* | -1,258.0879% | 7,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1619% | 7,651 |
| Loan loss allowance to noncurrent loans | 185.0345% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 7,333 |
| Noncurrent loans to loans | 0.0875% | 7,012 |
| Net loans and leases to total assets | 15.5894% | 7,662 |
| Net loans and leases to deposits | 23.4201% | 7,638 |
| Net loans and leases to core deposits | 33.6668% | 7,540 |
| Total domestic deposits to total assets | 66.5641% | 7,450 |
| Equity capital to assets | 12.6683% | 1,772 |
| Core capital (leverage) ratio | 11.6109% | 1,862 |
| Tier 1 risk-based capital ratio | 153.8777% | 45 |
| Total risk-based capital ratio | 154.2280% | 45 |
| Memoranda: | ||
| Average total assets | $10,940,910,250 | 97 |
| Average earning assets | $10,103,562,500 | 94 |
| Average equity | $1,357,632,000 | 90 |
| Average total loans | $1,764,211,250 | 273 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3571% | 6,969 |
| Cost of funding earning assets | 0.2989% | 7,713 |
| Net interest margin | 4.0582% | 2,758 |
| Noninterest income to average assets | 0.1681% | 6,702 |
| Noninterest expense to average assets | 3.7699% | 1,413 |
| Loan and lease loss provision to assets | 0.0058% | 6,828 |
| Net operating income to assets | 0.1022% | 5,861 |
| Return on assets (ROA) | 0.1022% | 5,974 |
| Pretax return on assets | 0.1592% | 5,863 |
| Return on Equity (ROE) | 0.8294% | 6,002 |
| Retained earnings to average equity (ytd only) | 0.8294% | 5,438 |
| Net charge-offs to loans | -0.0090% | 7,181 |
| Credit loss provision to net charge-offs | -396.2963% | 6,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8051% | 977 |
| Assets per employee ($millions) | 1,574.3696% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1600% | 7,724 |
| Loan loss allowance to noncurrent loans | 188.7052% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 7,380 |
| Noncurrent loans to loans | 0.0848% | 7,098 |
| Net loans and leases to total assets | 15.5100% | 7,728 |
| Net loans and leases to deposits | 27.1475% | 7,675 |
| Net loans and leases to core deposits | 37.3154% | 7,543 |
| Total domestic deposits to total assets | 57.1322% | 7,698 |
| Equity capital to assets | 12.4769% | 1,815 |
| Core capital (leverage) ratio | 11.4617% | 1,934 |
| Tier 1 risk-based capital ratio | 153.5271% | 42 |
| Total risk-based capital ratio | 153.9487% | 42 |
| Memoranda: | ||
| Average total assets | $11,050,032,330 | 97 |
| Average earning assets | $10,256,939,670 | 92 |
| Average equity | $1,361,991,670 | 89 |
| Average total loans | $1,799,859,330 | 270 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2487% | 7,207 |
| Cost of funding earning assets | 0.2857% | 7,824 |
| Net interest margin | 3.9630% | 3,035 |
| Noninterest income to average assets | 0.2864% | 5,852 |
| Noninterest expense to average assets | 4.0061% | 1,026 |
| Loan and lease loss provision to assets | 0.0103% | 6,502 |
| Net operating income to assets | -0.0133% | 6,320 |
| Return on assets (ROA) | -0.0134% | 6,416 |
| Pretax return on assets | -0.0270% | 6,389 |
| Return on Equity (ROE) | -0.1092% | 6,421 |
| Retained earnings to average equity (ytd only) | -0.1092% | 5,861 |
| Net charge-offs to loans | -0.0176% | 7,039 |
| Credit loss provision to net charge-offs | -351.8519% | 6,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4159% | 822 |
| Assets per employee ($millions) | 1,723.7846% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1485% | 7,825 |
| Loan loss allowance to noncurrent loans | 209.7750% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 7,471 |
| Noncurrent loans to loans | 0.0708% | 7,217 |
| Net loans and leases to total assets | 15.0669% | 7,833 |
| Net loans and leases to deposits | 30.3816% | 7,727 |
| Net loans and leases to core deposits | 44.2181% | 7,477 |
| Total domestic deposits to total assets | 49.5920% | 7,838 |
| Equity capital to assets | 11.0076% | 2,753 |
| Core capital (leverage) ratio | 11.6779% | 1,811 |
| Tier 1 risk-based capital ratio | 162.6430% | 39 |
| Total risk-based capital ratio | 163.0358% | 39 |
| Memoranda: | ||
| Average total assets | $11,064,755,000 | 98 |
| Average earning assets | $10,339,124,000 | 91 |
| Average equity | $1,355,473,500 | 87 |
| Average total loans | $1,843,773,500 | 273 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1848% | 7,613 |
| Cost of funding earning assets | 0.2235% | 7,932 |
| Net interest margin | 3.9613% | 3,022 |
| Noninterest income to average assets | 2.4366% | 282 |
| Noninterest expense to average assets | 2.5762% | 5,883 |
| Loan and lease loss provision to assets | 0.0060% | 7,401 |
| Net operating income to assets | 2.3230% | 115 |
| Return on assets (ROA) | 2.9104% | 65 |
| Pretax return on assets | 4.5513% | 46 |
| Return on Equity (ROE) | 34.0736% | 32 |
| Retained earnings to average equity (ytd only) | 18.8562% | 46 |
| Net charge-offs to loans | -0.0120% | 7,759 |
| Credit loss provision to net charge-offs | -622.3684% | 7,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4480% | 7,840 |
| Assets per employee ($millions) | 1,677.1697% | 7 |
| Cash dividends to net income (ytd only)* | 44.6605% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1252% | 7,906 |
| Loan loss allowance to noncurrent loans | 298.5951% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 7,515 |
| Noncurrent loans to loans | 0.0419% | 7,326 |
| Net loans and leases to total assets | 18.5279% | 7,879 |
| Net loans and leases to deposits | 33.3963% | 7,771 |
| Net loans and leases to core deposits | 35.0860% | 7,822 |
| Total domestic deposits to total assets | 55.4788% | 7,861 |
| Equity capital to assets | 13.7406% | 1,241 |
| Core capital (leverage) ratio | 13.7995% | 1,018 |
| Tier 1 risk-based capital ratio | 152.3923% | 44 |
| Total risk-based capital ratio | 152.7157% | 44 |
| Memoranda: | ||
| Average total assets | $23,810,778,000 | 53 |
| Average earning assets | $22,715,124,400 | 51 |
| Average equity | $2,033,830,400 | 59 |
| Average total loans | $1,904,752,200 | 277 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6750% | 7,899 |
| Cost of funding earning assets | 0.1826% | 8,034 |
| Net interest margin | 3.4924% | 4,894 |
| Noninterest income to average assets | 0.1392% | 7,182 |
| Noninterest expense to average assets | 2.2062% | 6,958 |
| Loan and lease loss provision to assets | 0.0033% | 7,273 |
| Net operating income to assets | 0.8156% | 2,743 |
| Return on assets (ROA) | 0.8484% | 2,692 |
| Pretax return on assets | 1.3224% | 1,900 |
| Return on Equity (ROE) | 10.5235% | 1,756 |
| Retained earnings to average equity (ytd only) | -3.4673% | 6,023 |
| Net charge-offs to loans | -0.0157% | 7,735 |
| Credit loss provision to net charge-offs | -300.4425% | 7,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3844% | 5,861 |
| Assets per employee ($millions) | 5,653.2240% | 5 |
| Cash dividends to net income (ytd only)* | 132.9478% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0572% | 8,014 |
| Loan loss allowance to noncurrent loans | 250.9434% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 7,613 |
| Noncurrent loans to loans | 0.0228% | 7,466 |
| Net loans and leases to total assets | 8.2165% | 8,024 |
| Net loans and leases to deposits | 9.0013% | 8,034 |
| Net loans and leases to core deposits | 9.0316% | 8,027 |
| Total domestic deposits to total assets | 91.2814% | 307 |
| Equity capital to assets | 7.1945% | 7,493 |
| Core capital (leverage) ratio | 5.8693% | 7,821 |
| Tier 1 risk-based capital ratio | 45.2609% | 206 |
| Total risk-based capital ratio | 45.3034% | 217 |
| Memoranda: | ||
| Average total assets | $27,247,718,000 | 54 |
| Average earning assets | $26,070,834,750 | 52 |
| Average equity | $2,196,607,750 | 61 |
| Average total loans | $1,914,240,000 | 287 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8203% | 7,962 |
| Cost of funding earning assets | 0.1571% | 8,135 |
| Net interest margin | 3.6632% | 4,103 |
| Noninterest income to average assets | 0.0927% | 7,511 |
| Noninterest expense to average assets | 2.3566% | 6,607 |
| Loan and lease loss provision to assets | 0.0001% | 7,157 |
| Net operating income to assets | 0.7756% | 2,953 |
| Return on assets (ROA) | 0.7756% | 3,055 |
| Pretax return on assets | 1.2069% | 2,284 |
| Return on Equity (ROE) | 9.1746% | 2,295 |
| Retained earnings to average equity (ytd only) | -0.2323% | 5,281 |
| Net charge-offs to loans | -0.0088% | 7,592 |
| Credit loss provision to net charge-offs | -11.2676% | 6,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1311% | 5,529 |
| Assets per employee ($millions) | 4,136.3364% | 5 |
| Cash dividends to net income (ytd only)* | 102.5320% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0404% | 8,109 |
| Loan loss allowance to noncurrent loans | 160.0832% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 7,668 |
| Noncurrent loans to loans | 0.0252% | 7,476 |
| Net loans and leases to total assets | 6.5867% | 8,118 |
| Net loans and leases to deposits | 7.2550% | 8,130 |
| Net loans and leases to core deposits | 7.3541% | 8,123 |
| Total domestic deposits to total assets | 90.7890% | 527 |
| Equity capital to assets | 8.1365% | 6,587 |
| Core capital (leverage) ratio | 6.8380% | 7,637 |
| Tier 1 risk-based capital ratio | 51.6381% | 174 |
| Total risk-based capital ratio | 51.6591% | 180 |
| Memoranda: | ||
| Average total assets | $25,023,842,670 | 59 |
| Average earning assets | $23,709,840,670 | 57 |
| Average equity | $2,115,365,000 | 63 |
| Average total loans | $1,622,796,670 | 338 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0653% | 7,962 |
| Cost of funding earning assets | 0.1136% | 8,196 |
| Net interest margin | 3.9517% | 2,844 |
| Noninterest income to average assets | 0.0000% | 8,038 |
| Noninterest expense to average assets | 2.5343% | 5,720 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7448% | 3,371 |
| Return on assets (ROA) | 0.7448% | 3,548 |
| Pretax return on assets | 1.1573% | 2,780 |
| Return on Equity (ROE) | 8.6080% | 2,882 |
| Retained earnings to average equity (ytd only) | 8.6080% | 1,597 |
| Net charge-offs to loans | -0.0003% | 7,092 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6508% | 4,845 |
| Assets per employee ($millions) | 4,067.7502% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0363% | 8,162 |
| Loan loss allowance to noncurrent loans | 108.6342% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 7,660 |
| Noncurrent loans to loans | 0.0334% | 7,452 |
| Net loans and leases to total assets | 7.8011% | 8,168 |
| Net loans and leases to deposits | 8.8292% | 8,178 |
| Net loans and leases to core deposits | 9.0632% | 8,170 |
| Total domestic deposits to total assets | 88.3559% | 1,544 |
| Equity capital to assets | 8.8188% | 5,589 |
| Core capital (leverage) ratio | 6.7822% | 7,772 |
| Tier 1 risk-based capital ratio | 49.7273% | 213 |
| Total risk-based capital ratio | 49.7497% | 220 |
| Memoranda: | ||
| Average total assets | $23,058,586,500 | 65 |
| Average earning assets | $21,540,787,500 | 62 |
| Average equity | $1,995,118,500 | 63 |
| Average total loans | $1,480,238,000 | 369 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1033% | 8,092 |
| Cost of funding earning assets | 0.2746% | 8,228 |
| Net interest margin | 3.8286% | 3,897 |
| Noninterest income to average assets | 0.0015% | 8,103 |
| Noninterest expense to average assets | 3.4126% | 2,637 |
| Loan and lease loss provision to assets | -0.0014% | 8,193 |
| Net operating income to assets | 0.2049% | 5,834 |
| Return on assets (ROA) | 0.2282% | 5,590 |
| Pretax return on assets | 0.3515% | 5,391 |
| Return on Equity (ROE) | 3.1138% | 5,189 |
| Retained earnings to average equity (ytd only) | 3.1138% | 3,216 |
| Net charge-offs to loans | -0.1717% | 8,153 |
| Credit loss provision to net charge-offs | 63.9506% | 6,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5663% | 1,408 |
| Assets per employee ($millions) | 2,412.2969% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0654% | 8,216 |
| Loan loss allowance to noncurrent loans | 451.6340% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 7,670 |
| Noncurrent loans to loans | 0.0145% | 7,480 |
| Net loans and leases to total assets | 4.8599% | 8,231 |
| Net loans and leases to deposits | 5.5445% | 8,239 |
| Net loans and leases to core deposits | 5.5876% | 8,231 |
| Total domestic deposits to total assets | 87.6530% | 1,635 |
| Equity capital to assets | 8.4653% | 6,149 |
| Core capital (leverage) ratio | 5.8395% | 8,121 |
| Tier 1 risk-based capital ratio | 58.8678% | 161 |
| Total risk-based capital ratio | 58.9005% | 162 |
| Memoranda: | ||
| Average total assets | $19,065,499,600 | 68 |
| Average earning assets | $18,551,711,600 | 67 |
| Average equity | $1,397,138,600 | 86 |
| Average total loans | $235,927,400 | 2,002 |