Home > Texas Capital Bank > Performance and Condition Ratios
Texas Capital Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1037% | 558 |
| Cost of funding earning assets | 2.5009% | 362 |
| Net interest margin | 3.6028% | 1,962 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.6156% | 1,962 |
| Loan and lease loss provision to assets | 0.2500% | 462 |
| Net operating income to assets | 0.7152% | 3,148 |
| Return on assets (ROA) | 0.7250% | 3,100 |
| Pretax return on assets | 0.9459% | 2,825 |
| Return on Equity (ROE) | 6.4500% | 3,435 |
| Retained earnings to average equity (ytd only) | 6.2220% | 2,166 |
| Net charge-offs to loans | 0.2498% | 426 |
| Credit loss provision to net charge-offs | 93.1353% | 1,924 |
| Earnings coverage of net charge-offs (x) | 6.6869% | 2,455 |
| Efficiency ratio | 68.8425% | 2,022 |
| Assets per employee ($millions) | 14.2474% | 243 |
| Cash dividends to net income (ytd only)* | 3.5319% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 2,137 |
| Loan loss allowance to noncurrent loans | 247.6918% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.3565% | 1,537 |
| Noncurrent loans to loans | 0.4951% | 1,547 |
| Net loans and leases to total assets | 71.1200% | 1,680 |
| Net loans and leases to deposits | 88.8221% | 1,359 |
| Net loans and leases to core deposits | 94.1978% | 1,760 |
| Total domestic deposits to total assets | 80.0700% | 3,450 |
| Equity capital to assets | 11.6664% | 1,233 |
| Core capital (leverage) ratio | 11.9988% | 1,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4094% | 1,414 |
| Memoranda: | ||
| Average total assets | $28,766,464,400 | 73 |
| Average earning assets | $27,759,939,000 | 68 |
| Average equity | $3,233,546,400 | 64 |
| Average total loans | $20,386,918,200 | 66 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0216% | 519 |
| Cost of funding earning assets | 2.3818% | 345 |
| Net interest margin | 3.6397% | 1,904 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.5482% | 2,091 |
| Loan and lease loss provision to assets | 0.2400% | 425 |
| Net operating income to assets | 0.8388% | 2,901 |
| Return on assets (ROA) | 0.8457% | 2,858 |
| Pretax return on assets | 1.1066% | 2,550 |
| Return on Equity (ROE) | 7.5900% | 3,294 |
| Retained earnings to average equity (ytd only) | 7.2885% | 2,203 |
| Net charge-offs to loans | 0.2426% | 366 |
| Credit loss provision to net charge-offs | 76.9021% | 1,771 |
| Earnings coverage of net charge-offs (x) | 7.8413% | 2,218 |
| Efficiency ratio | 65.4920% | 2,334 |
| Assets per employee ($millions) | 14.2569% | 232 |
| Cash dividends to net income (ytd only)* | 4.0211% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 2,479 |
| Loan loss allowance to noncurrent loans | 361.5804% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.2290% | 2,114 |
| Noncurrent loans to loans | 0.3261% | 2,063 |
| Net loans and leases to total assets | 69.3800% | 1,900 |
| Net loans and leases to deposits | 84.6887% | 1,677 |
| Net loans and leases to core deposits | 91.1459% | 1,849 |
| Total domestic deposits to total assets | 81.9200% | 3,229 |
| Equity capital to assets | 10.5707% | 1,523 |
| Core capital (leverage) ratio | 11.7565% | 1,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2202% | 1,497 |
| Memoranda: | ||
| Average total assets | $28,880,709,000 | 73 |
| Average earning assets | $27,874,574,250 | 68 |
| Average equity | $3,216,260,750 | 64 |
| Average total loans | $20,387,482,000 | 67 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8934% | 508 |
| Cost of funding earning assets | 2.2408% | 312 |
| Net interest margin | 3.6527% | 1,910 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.6064% | 1,915 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 0.7994% | 3,080 |
| Return on assets (ROA) | 0.8142% | 3,049 |
| Pretax return on assets | 1.0619% | 2,744 |
| Return on Equity (ROE) | 7.1900% | 3,444 |
| Retained earnings to average equity (ytd only) | 6.8649% | 2,332 |
| Net charge-offs to loans | 0.2779% | 304 |
| Credit loss provision to net charge-offs | 42.7120% | 1,702 |
| Earnings coverage of net charge-offs (x) | 6.5512% | 2,116 |
| Efficiency ratio | 66.9361% | 2,110 |
| Assets per employee ($millions) | 13.8981% | 242 |
| Cash dividends to net income (ytd only)* | 4.4591% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1114% | 2,904 |
| Loan loss allowance to noncurrent loans | 292.6439% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2802% | 1,800 |
| Noncurrent loans to loans | 0.3798% | 1,785 |
| Net loans and leases to total assets | 72.9500% | 1,417 |
| Net loans and leases to deposits | 89.9288% | 1,192 |
| Net loans and leases to core deposits | 97.4322% | 1,388 |
| Total domestic deposits to total assets | 81.1200% | 3,412 |
| Equity capital to assets | 11.3435% | 1,251 |
| Core capital (leverage) ratio | 12.5541% | 1,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4101% | 1,450 |
| Memoranda: | ||
| Average total assets | $28,646,562,333 | 71 |
| Average earning assets | $27,646,242,667 | 66 |
| Average equity | $3,245,962,333 | 63 |
| Average total loans | $20,260,494,667 | 65 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7752% | 429 |
| Cost of funding earning assets | 2.1070% | 231 |
| Net interest margin | 3.6682% | 1,975 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.7081% | 1,650 |
| Loan and lease loss provision to assets | 0.3900% | 208 |
| Net operating income to assets | 0.5876% | 3,713 |
| Return on assets (ROA) | 0.6068% | 3,636 |
| Pretax return on assets | 0.7948% | 3,478 |
| Return on Equity (ROE) | 5.3600% | 3,834 |
| Retained earnings to average equity (ytd only) | 5.0362% | 3,014 |
| Net charge-offs to loans | 0.4040% | 198 |
| Credit loss provision to net charge-offs | 137.4636% | 981 |
| Earnings coverage of net charge-offs (x) | 4.1632% | 1,860 |
| Efficiency ratio | 69.9468% | 1,758 |
| Assets per employee ($millions) | 12.7300% | 322 |
| Cash dividends to net income (ytd only)* | 6.0145% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2980% | 2,045 |
| Loan loss allowance to noncurrent loans | 268.8621% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.3394% | 1,500 |
| Noncurrent loans to loans | 0.4828% | 1,505 |
| Net loans and leases to total assets | 69.4000% | 1,682 |
| Net loans and leases to deposits | 88.7484% | 1,152 |
| Net loans and leases to core deposits | 96.0410% | 1,283 |
| Total domestic deposits to total assets | 78.2000% | 3,985 |
| Equity capital to assets | 11.4496% | 1,169 |
| Core capital (leverage) ratio | 12.1972% | 1,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8004% | 1,418 |
| Memoranda: | ||
| Average total assets | $28,494,970,500 | 75 |
| Average earning assets | $27,503,587,500 | 70 |
| Average equity | $3,226,984,000 | 67 |
| Average total loans | $19,713,186,000 | 69 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7636% | 2,366 |
| Cost of funding earning assets | 0.8261% | 359 |
| Net interest margin | 2.9375% | 3,596 |
| Noninterest income to average assets | 1.1300% | 527 |
| Noninterest expense to average assets | 2.3034% | 2,718 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 1.1333% | 2,040 |
| Return on assets (ROA) | 1.1099% | 2,062 |
| Pretax return on assets | 1.4404% | 1,657 |
| Return on Equity (ROE) | 11.3500% | 2,363 |
| Retained earnings to average equity (ytd only) | 11.0101% | 886 |
| Net charge-offs to loans | 0.0896% | 779 |
| Credit loss provision to net charge-offs | 309.3865% | 901 |
| Earnings coverage of net charge-offs (x) | 26.5435% | 1,753 |
| Efficiency ratio | 57.7932% | 3,370 |
| Assets per employee ($millions) | 12.9260% | 312 |
| Cash dividends to net income (ytd only)* | 2.9855% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 1,844 |
| Loan loss allowance to noncurrent loans | 522.9508% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 2,353 |
| Noncurrent loans to loans | 0.2508% | 2,271 |
| Net loans and leases to total assets | 67.1500% | 1,915 |
| Net loans and leases to deposits | 82.5457% | 1,576 |
| Net loans and leases to core deposits | 87.6932% | 1,630 |
| Total domestic deposits to total assets | 81.3500% | 3,715 |
| Equity capital to assets | 11.1991% | 1,185 |
| Core capital (leverage) ratio | 11.4803% | 1,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3235% | 1,285 |
| Memoranda: | ||
| Average total assets | $31,385,949,600 | 74 |
| Average earning assets | $30,506,574,000 | 71 |
| Average equity | $3,069,427,000 | 74 |
| Average total loans | $22,165,171,200 | 62 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2894% | 3,208 |
| Cost of funding earning assets | 0.5670% | 529 |
| Net interest margin | 2.7224% | 3,880 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.1199% | 3,161 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.5576% | 3,950 |
| Return on assets (ROA) | 0.5255% | 3,964 |
| Pretax return on assets | 0.6987% | 3,802 |
| Return on Equity (ROE) | 5.5500% | 3,877 |
| Retained earnings to average equity (ytd only) | 5.2092% | 3,019 |
| Net charge-offs to loans | 0.0284% | 1,266 |
| Credit loss provision to net charge-offs | 567.0842% | 569 |
| Earnings coverage of net charge-offs (x) | 43.1587% | 1,354 |
| Efficiency ratio | 70.8100% | 1,666 |
| Assets per employee ($millions) | 13.5808% | 264 |
| Cash dividends to net income (ytd only)* | 6.1592% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 3,371 |
| Loan loss allowance to noncurrent loans | 322.5143% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.2393% | 2,027 |
| Noncurrent loans to loans | 0.3172% | 2,105 |
| Net loans and leases to total assets | 74.6700% | 1,044 |
| Net loans and leases to deposits | 91.4474% | 796 |
| Net loans and leases to core deposits | 97.5070% | 923 |
| Total domestic deposits to total assets | 81.6500% | 3,886 |
| Equity capital to assets | 9.6709% | 1,788 |
| Core capital (leverage) ratio | 10.4087% | 2,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7681% | 2,145 |
| Memoranda: | ||
| Average total assets | $32,132,828,500 | 75 |
| Average earning assets | $31,274,726,250 | 70 |
| Average equity | $3,041,693,750 | 75 |
| Average total loans | $22,875,539,750 | 63 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8262% | 3,933 |
| Cost of funding earning assets | 0.3403% | 1,362 |
| Net interest margin | 2.4859% | 4,105 |
| Noninterest income to average assets | 0.3377% | 3,132 |
| Noninterest expense to average assets | 1.9259% | 3,644 |
| Loan and lease loss provision to assets | 0.1223% | 811 |
| Net operating income to assets | 0.5384% | 3,801 |
| Return on assets (ROA) | 0.4967% | 3,856 |
| Pretax return on assets | 0.6592% | 3,687 |
| Return on Equity (ROE) | 5.2822% | 3,759 |
| Retained earnings to average equity (ytd only) | 4.9441% | 2,728 |
| Net charge-offs to loans | 0.0187% | 1,363 |
| Credit loss provision to net charge-offs | 902.3865% | 436 |
| Earnings coverage of net charge-offs (x) | 63.8540% | 1,051 |
| Efficiency ratio | 69.7293% | 1,999 |
| Assets per employee ($millions) | 15.8557% | 170 |
| Cash dividends to net income (ytd only)* | 6.4012% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9514% | 3,791 |
| Loan loss allowance to noncurrent loans | 413.8739% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.1712% | 2,504 |
| Noncurrent loans to loans | 0.2299% | 2,570 |
| Net loans and leases to total assets | 73.7482% | 942 |
| Net loans and leases to deposits | 92.5431% | 579 |
| Net loans and leases to core deposits | 97.7851% | 765 |
| Total domestic deposits to total assets | 79.6906% | 4,250 |
| Equity capital to assets | 9.4475% | 2,056 |
| Core capital (leverage) ratio | 10.4218% | 2,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0143% | 2,489 |
| Memoranda: | ||
| Average total assets | $32,712,531,333 | 71 |
| Average earning assets | $31,878,099,667 | 69 |
| Average equity | $3,075,813,000 | 73 |
| Average total loans | $22,857,400,000 | 63 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6004% | 4,116 |
| Cost of funding earning assets | 0.2656% | 1,972 |
| Net interest margin | 2.3348% | 4,180 |
| Noninterest income to average assets | 0.2868% | 3,409 |
| Noninterest expense to average assets | 1.8483% | 3,818 |
| Loan and lease loss provision to assets | -0.0243% | 4,460 |
| Net operating income to assets | 0.5599% | 3,524 |
| Return on assets (ROA) | 0.5250% | 3,605 |
| Pretax return on assets | 0.6965% | 3,406 |
| Return on Equity (ROE) | 5.5963% | 3,450 |
| Retained earnings to average equity (ytd only) | 5.2594% | 2,493 |
| Net charge-offs to loans | -0.0092% | 3,552 |
| Credit loss provision to net charge-offs | 239.6484% | 731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0166% | 1,972 |
| Assets per employee ($millions) | 16.3416% | 160 |
| Cash dividends to net income (ytd only)* | 6.0209% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9737% | 3,819 |
| Loan loss allowance to noncurrent loans | 305.0301% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.2227% | 2,316 |
| Noncurrent loans to loans | 0.3192% | 2,326 |
| Net loans and leases to total assets | 69.0901% | 1,108 |
| Net loans and leases to deposits | 83.1951% | 937 |
| Net loans and leases to core deposits | 87.6771% | 1,041 |
| Total domestic deposits to total assets | 83.0458% | 3,933 |
| Equity capital to assets | 9.7507% | 2,088 |
| Core capital (leverage) ratio | 9.3715% | 2,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7716% | 2,315 |
| Memoranda: | ||
| Average total assets | $32,903,907,000 | 72 |
| Average earning assets | $32,103,021,500 | 68 |
| Average equity | $3,086,536,000 | 74 |
| Average total loans | $22,250,280,500 | 63 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4454% | 4,521 |
| Cost of funding earning assets | 0.2648% | 2,759 |
| Net interest margin | 2.1806% | 4,497 |
| Noninterest income to average assets | 0.3085% | 3,557 |
| Noninterest expense to average assets | 1.5516% | 4,483 |
| Loan and lease loss provision to assets | -0.0815% | 4,481 |
| Net operating income to assets | 0.7258% | 3,551 |
| Return on assets (ROA) | 0.7307% | 3,602 |
| Pretax return on assets | 0.9711% | 3,338 |
| Return on Equity (ROE) | 8.9091% | 2,949 |
| Retained earnings to average equity (ytd only) | 8.5646% | 1,324 |
| Net charge-offs to loans | 0.0539% | 1,255 |
| Credit loss provision to net charge-offs | -230.9258% | 3,549 |
| Earnings coverage of net charge-offs (x) | 25.1696% | 1,730 |
| Efficiency ratio | 63.6762% | 2,615 |
| Assets per employee ($millions) | 19.8662% | 104 |
| Cash dividends to net income (ytd only)* | 3.8670% | 3,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9286% | 3,992 |
| Loan loss allowance to noncurrent loans | 264.9816% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 2,409 |
| Noncurrent loans to loans | 0.3504% | 2,325 |
| Net loans and leases to total assets | 65.0898% | 1,573 |
| Net loans and leases to deposits | 79.1759% | 1,283 |
| Net loans and leases to core deposits | 86.5200% | 1,167 |
| Total domestic deposits to total assets | 82.2092% | 3,931 |
| Equity capital to assets | 9.0491% | 3,572 |
| Core capital (leverage) ratio | 8.5147% | 3,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4202% | 2,485 |
| Memoranda: | ||
| Average total assets | $36,805,587,800 | 60 |
| Average earning assets | $35,892,867,600 | 57 |
| Average equity | $3,018,699,800 | 78 |
| Average total loans | $23,966,626,200 | 57 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4701% | 4,588 |
| Cost of funding earning assets | 0.2670% | 2,935 |
| Net interest margin | 2.2031% | 4,571 |
| Noninterest income to average assets | 0.2282% | 4,040 |
| Noninterest expense to average assets | 1.5211% | 4,571 |
| Loan and lease loss provision to assets | -0.0714% | 4,524 |
| Net operating income to assets | 0.7017% | 3,764 |
| Return on assets (ROA) | 0.7144% | 3,798 |
| Pretax return on assets | 0.9418% | 3,601 |
| Return on Equity (ROE) | 8.9251% | 3,127 |
| Retained earnings to average equity (ytd only) | 8.5770% | 1,849 |
| Net charge-offs to loans | 0.0653% | 990 |
| Credit loss provision to net charge-offs | -174.8759% | 3,351 |
| Earnings coverage of net charge-offs (x) | 20.1300% | 1,741 |
| Efficiency ratio | 63.9897% | 2,387 |
| Assets per employee ($millions) | 22.1589% | 83 |
| Cash dividends to net income (ytd only)* | 3.9000% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9348% | 4,053 |
| Loan loss allowance to noncurrent loans | 234.2678% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.2607% | 2,466 |
| Noncurrent loans to loans | 0.3990% | 2,364 |
| Net loans and leases to total assets | 64.7276% | 1,689 |
| Net loans and leases to deposits | 77.7674% | 1,504 |
| Net loans and leases to core deposits | 84.8259% | 1,364 |
| Total domestic deposits to total assets | 83.2324% | 3,647 |
| Equity capital to assets | 8.4619% | 4,239 |
| Core capital (leverage) ratio | 8.4710% | 4,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1061% | 2,676 |
| Memoranda: | ||
| Average total assets | $37,325,442,000 | 61 |
| Average earning assets | $36,377,830,750 | 58 |
| Average equity | $2,987,775,750 | 79 |
| Average total loans | $24,254,513,500 | 56 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4742% | 4,640 |
| Cost of funding earning assets | 0.2750% | 3,042 |
| Net interest margin | 2.1992% | 4,603 |
| Noninterest income to average assets | 0.2398% | 3,967 |
| Noninterest expense to average assets | 1.4626% | 4,660 |
| Loan and lease loss provision to assets | -0.1328% | 4,687 |
| Net operating income to assets | 0.7973% | 3,524 |
| Return on assets (ROA) | 0.8126% | 3,544 |
| Pretax return on assets | 1.0711% | 3,297 |
| Return on Equity (ROE) | 10.3411% | 2,642 |
| Retained earnings to average equity (ytd only) | 9.9896% | 1,397 |
| Net charge-offs to loans | 0.0720% | 916 |
| Credit loss provision to net charge-offs | -276.5669% | 3,297 |
| Earnings coverage of net charge-offs (x) | 19.6792% | 1,538 |
| Efficiency ratio | 61.3693% | 2,818 |
| Assets per employee ($millions) | 22.6186% | 78 |
| Cash dividends to net income (ytd only)* | 3.3991% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9231% | 4,085 |
| Loan loss allowance to noncurrent loans | 228.3571% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 2,550 |
| Noncurrent loans to loans | 0.4042% | 2,469 |
| Net loans and leases to total assets | 67.5129% | 1,512 |
| Net loans and leases to deposits | 81.1934% | 1,303 |
| Net loans and leases to core deposits | 89.2330% | 1,189 |
| Total domestic deposits to total assets | 83.1507% | 3,675 |
| Equity capital to assets | 8.6227% | 4,111 |
| Core capital (leverage) ratio | 7.9003% | 4,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8851% | 2,752 |
| Memoranda: | ||
| Average total assets | $37,653,716,000 | 61 |
| Average earning assets | $36,669,034,333 | 58 |
| Average equity | $2,958,667,333 | 78 |
| Average total loans | $24,424,559,000 | 56 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4191% | 4,703 |
| Cost of funding earning assets | 0.2824% | 3,171 |
| Net interest margin | 2.1367% | 4,660 |
| Noninterest income to average assets | 0.4322% | 2,914 |
| Noninterest expense to average assets | 1.5732% | 4,572 |
| Loan and lease loss provision to assets | -0.0617% | 4,670 |
| Net operating income to assets | 0.7595% | 3,547 |
| Return on assets (ROA) | 0.7625% | 3,611 |
| Pretax return on assets | 1.0042% | 3,356 |
| Return on Equity (ROE) | 10.1524% | 2,646 |
| Retained earnings to average equity (ytd only) | 9.7962% | 1,713 |
| Net charge-offs to loans | 0.1042% | 667 |
| Credit loss provision to net charge-offs | -89.0153% | 2,817 |
| Earnings coverage of net charge-offs (x) | 14.2124% | 1,371 |
| Efficiency ratio | 62.4129% | 2,681 |
| Assets per employee ($millions) | 24.8358% | 68 |
| Cash dividends to net income (ytd only)* | 3.5086% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9869% | 3,886 |
| Loan loss allowance to noncurrent loans | 201.6063% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.3004% | 2,641 |
| Noncurrent loans to loans | 0.4895% | 2,386 |
| Net loans and leases to total assets | 60.7639% | 2,435 |
| Net loans and leases to deposits | 72.1287% | 2,297 |
| Net loans and leases to core deposits | 80.4379% | 1,963 |
| Total domestic deposits to total assets | 84.2437% | 3,357 |
| Equity capital to assets | 7.2986% | 4,779 |
| Core capital (leverage) ratio | 7.4551% | 4,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5519% | 2,806 |
| Memoranda: | ||
| Average total assets | $38,872,008,000 | 60 |
| Average earning assets | $37,832,039,000 | 58 |
| Average equity | $2,919,662,000 | 79 |
| Average total loans | $24,638,033,000 | 58 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0118% | 4,620 |
| Cost of funding earning assets | 0.5145% | 2,854 |
| Net interest margin | 2.4974% | 4,596 |
| Noninterest income to average assets | 0.3345% | 3,461 |
| Noninterest expense to average assets | 1.7803% | 4,501 |
| Loan and lease loss provision to assets | 0.6899% | 242 |
| Net operating income to assets | 0.2103% | 4,562 |
| Return on assets (ROA) | 0.2168% | 4,612 |
| Pretax return on assets | 0.2968% | 4,546 |
| Return on Equity (ROE) | 2.7559% | 4,434 |
| Retained earnings to average equity (ytd only) | 2.3908% | 3,671 |
| Net charge-offs to loans | 0.7710% | 188 |
| Credit loss provision to net charge-offs | 125.6472% | 2,590 |
| Earnings coverage of net charge-offs (x) | 1.7821% | 3,232 |
| Efficiency ratio | 64.4908% | 2,740 |
| Assets per employee ($millions) | 23.3057% | 68 |
| Cash dividends to net income (ytd only)* | 13.2484% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 3,752 |
| Loan loss allowance to noncurrent loans | 160.9827% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.4194% | 2,323 |
| Noncurrent loans to loans | 0.6402% | 2,082 |
| Net loans and leases to total assets | 64.8443% | 2,248 |
| Net loans and leases to deposits | 78.7399% | 2,003 |
| Net loans and leases to core deposits | 89.2297% | 1,586 |
| Total domestic deposits to total assets | 82.3526% | 3,578 |
| Equity capital to assets | 7.7364% | 4,792 |
| Core capital (leverage) ratio | 7.3608% | 4,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6653% | 2,994 |
| Memoranda: | ||
| Average total assets | $36,206,032,600 | 60 |
| Average earning assets | $35,146,319,800 | 56 |
| Average equity | $2,848,466,600 | 79 |
| Average total loans | $25,782,569,800 | 51 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0805% | 4,678 |
| Cost of funding earning assets | 0.5765% | 2,760 |
| Net interest margin | 2.5040% | 4,656 |
| Noninterest income to average assets | 0.3463% | 3,395 |
| Noninterest expense to average assets | 1.8821% | 4,362 |
| Loan and lease loss provision to assets | 0.8185% | 215 |
| Net operating income to assets | 0.0556% | 4,735 |
| Return on assets (ROA) | 0.0594% | 4,757 |
| Pretax return on assets | 0.0798% | 4,742 |
| Return on Equity (ROE) | 0.7517% | 4,732 |
| Retained earnings to average equity (ytd only) | 0.3844% | 4,409 |
| Net charge-offs to loans | 0.6829% | 206 |
| Credit loss provision to net charge-offs | 164.8532% | 2,246 |
| Earnings coverage of net charge-offs (x) | 1.7997% | 3,045 |
| Efficiency ratio | 67.7630% | 2,222 |
| Assets per employee ($millions) | 23.7259% | 62 |
| Cash dividends to net income (ytd only)* | 48.8661% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1243% | 3,071 |
| Loan loss allowance to noncurrent loans | 149.9770% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.5040% | 2,190 |
| Noncurrent loans to loans | 0.7496% | 1,928 |
| Net loans and leases to total assets | 66.4739% | 2,452 |
| Net loans and leases to deposits | 79.6947% | 2,348 |
| Net loans and leases to core deposits | 94.0458% | 1,635 |
| Total domestic deposits to total assets | 83.4107% | 3,020 |
| Equity capital to assets | 7.4087% | 4,878 |
| Core capital (leverage) ratio | 7.4132% | 4,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4249% | 3,045 |
| Memoranda: | ||
| Average total assets | $35,830,380,500 | 60 |
| Average earning assets | $34,762,478,000 | 56 |
| Average equity | $2,831,262,000 | 78 |
| Average total loans | $26,051,581,000 | 51 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2989% | 4,654 |
| Cost of funding earning assets | 0.6833% | 2,484 |
| Net interest margin | 2.6157% | 4,638 |
| Noninterest income to average assets | 0.2631% | 3,893 |
| Noninterest expense to average assets | 2.0037% | 4,228 |
| Loan and lease loss provision to assets | 1.1032% | 174 |
| Net operating income to assets | -0.2499% | 4,870 |
| Return on assets (ROA) | -0.2502% | 4,868 |
| Pretax return on assets | -0.3090% | 4,867 |
| Return on Equity (ROE) | -3.0962% | 4,895 |
| Retained earnings to average equity (ytd only) | -3.4640% | 4,689 |
| Net charge-offs to loans | 1.0090% | 145 |
| Credit loss provision to net charge-offs | 146.3347% | 2,150 |
| Earnings coverage of net charge-offs (x) | 1.0540% | 2,885 |
| Efficiency ratio | 71.5570% | 1,753 |
| Assets per employee ($millions) | 22.5654% | 67 |
| Cash dividends to net income (ytd only)* | -11.8819% | 5,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 3,476 |
| Loan loss allowance to noncurrent loans | 128.9679% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.5615% | 2,121 |
| Noncurrent loans to loans | 0.7903% | 1,914 |
| Net loans and leases to total assets | 70.3229% | 1,983 |
| Net loans and leases to deposits | 84.9750% | 1,890 |
| Net loans and leases to core deposits | 100.9507% | 1,189 |
| Total domestic deposits to total assets | 82.7572% | 3,162 |
| Equity capital to assets | 7.5933% | 4,856 |
| Core capital (leverage) ratio | 7.3333% | 4,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1408% | 3,145 |
| Memoranda: | ||
| Average total assets | $34,977,647,000 | 60 |
| Average earning assets | $33,900,883,000 | 56 |
| Average equity | $2,826,990,333 | 78 |
| Average total loans | $26,132,584,333 | 51 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7028% | 4,392 |
| Cost of funding earning assets | 0.9133% | 1,801 |
| Net interest margin | 2.7895% | 4,578 |
| Noninterest income to average assets | -0.0101% | 5,075 |
| Noninterest expense to average assets | 1.7430% | 4,733 |
| Loan and lease loss provision to assets | 1.1118% | 182 |
| Net operating income to assets | -0.1261% | 4,813 |
| Return on assets (ROA) | -0.1598% | 4,810 |
| Pretax return on assets | -0.2044% | 4,813 |
| Return on Equity (ROE) | -1.9148% | 4,835 |
| Retained earnings to average equity (ytd only) | -2.2793% | 4,280 |
| Net charge-offs to loans | 0.8805% | 167 |
| Credit loss provision to net charge-offs | 164.6864% | 1,538 |
| Earnings coverage of net charge-offs (x) | 1.4049% | 2,392 |
| Efficiency ratio | 64.7087% | 3,117 |
| Assets per employee ($millions) | 20.3218% | 60 |
| Cash dividends to net income (ytd only)* | -19.0406% | 5,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9557% | 3,909 |
| Loan loss allowance to noncurrent loans | 96.5949% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.6959% | 1,925 |
| Noncurrent loans to loans | 0.9894% | 1,670 |
| Net loans and leases to total assets | 69.6613% | 2,299 |
| Net loans and leases to deposits | 91.7954% | 1,310 |
| Net loans and leases to core deposits | 112.5003% | 732 |
| Total domestic deposits to total assets | 75.8876% | 4,498 |
| Equity capital to assets | 7.9235% | 4,985 |
| Core capital (leverage) ratio | 8.2684% | 4,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5141% | 3,223 |
| Memoranda: | ||
| Average total assets | $34,188,503,000 | 59 |
| Average earning assets | $33,110,224,000 | 56 |
| Average equity | $2,852,590,000 | 78 |
| Average total loans | $26,212,921,500 | 51 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6446% | 2,488 |
| Cost of funding earning assets | 1.2753% | 826 |
| Net interest margin | 3.3693% | 3,825 |
| Noninterest income to average assets | 0.2167% | 4,366 |
| Noninterest expense to average assets | 1.8384% | 4,727 |
| Loan and lease loss provision to assets | 0.2549% | 707 |
| Net operating income to assets | 1.0981% | 2,452 |
| Return on assets (ROA) | 1.0950% | 2,565 |
| Pretax return on assets | 1.3812% | 2,229 |
| Return on Equity (ROE) | 12.4005% | 1,360 |
| Retained earnings to average equity (ytd only) | 12.0146% | 240 |
| Net charge-offs to loans | 0.2861% | 735 |
| Credit loss provision to net charge-offs | 104.7463% | 2,366 |
| Earnings coverage of net charge-offs (x) | 6.7298% | 2,941 |
| Efficiency ratio | 52.8422% | 4,539 |
| Assets per employee ($millions) | 18.7381% | 70 |
| Cash dividends to net income (ytd only)* | 3.1121% | 3,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7167% | 4,542 |
| Loan loss allowance to noncurrent loans | 77.6538% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 0.7722% | 1,674 |
| Noncurrent loans to loans | 0.9230% | 1,663 |
| Net loans and leases to total assets | 83.0570% | 421 |
| Net loans and leases to deposits | 101.7617% | 487 |
| Net loans and leases to core deposits | 121.0569% | 449 |
| Total domestic deposits to total assets | 81.6191% | 3,612 |
| Equity capital to assets | 8.8068% | 4,782 |
| Core capital (leverage) ratio | 8.1986% | 4,975 |
| Tier 1 risk-based capital ratio | 9.4914% | 5,157 |
| Total risk-based capital ratio | 10.9213% | 5,129 |
| Memoranda: | ||
| Average total assets | $30,518,753,800 | 64 |
| Average earning assets | $29,522,981,600 | 59 |
| Average equity | $2,694,921,200 | 79 |
| Average total loans | $25,957,369,600 | 49 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7411% | 2,296 |
| Cost of funding earning assets | 1.3290% | 721 |
| Net interest margin | 3.4121% | 3,836 |
| Noninterest income to average assets | 0.2304% | 4,354 |
| Noninterest expense to average assets | 1.8067% | 4,808 |
| Loan and lease loss provision to assets | 0.2669% | 583 |
| Net operating income to assets | 1.1465% | 2,383 |
| Return on assets (ROA) | 1.1428% | 2,486 |
| Pretax return on assets | 1.4537% | 2,102 |
| Return on Equity (ROE) | 12.9321% | 1,304 |
| Retained earnings to average equity (ytd only) | 12.5400% | 323 |
| Net charge-offs to loans | 0.3196% | 539 |
| Credit loss provision to net charge-offs | 97.7484% | 2,309 |
| Earnings coverage of net charge-offs (x) | 6.3101% | 2,847 |
| Efficiency ratio | 51.1434% | 4,662 |
| Assets per employee ($millions) | 19.7446% | 59 |
| Cash dividends to net income (ytd only)* | 3.0318% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6940% | 4,674 |
| Loan loss allowance to noncurrent loans | 119.1931% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 2,623 |
| Noncurrent loans to loans | 0.5822% | 2,540 |
| Net loans and leases to total assets | 81.2031% | 682 |
| Net loans and leases to deposits | 98.9438% | 724 |
| Net loans and leases to core deposits | 120.3601% | 526 |
| Total domestic deposits to total assets | 82.0699% | 3,460 |
| Equity capital to assets | 8.3187% | 5,058 |
| Core capital (leverage) ratio | 8.3933% | 4,986 |
| Tier 1 risk-based capital ratio | 9.1845% | 5,239 |
| Total risk-based capital ratio | 10.5931% | 5,235 |
| Memoranda: | ||
| Average total assets | $30,016,123,750 | 65 |
| Average earning assets | $29,023,355,250 | 61 |
| Average equity | $2,652,458,500 | 81 |
| Average total loans | $25,643,487,750 | 50 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8416% | 1,928 |
| Cost of funding earning assets | 1.3529% | 636 |
| Net interest margin | 3.4887% | 3,632 |
| Noninterest income to average assets | 0.2786% | 4,070 |
| Noninterest expense to average assets | 1.8518% | 4,811 |
| Loan and lease loss provision to assets | 0.3303% | 398 |
| Net operating income to assets | 1.1562% | 2,305 |
| Return on assets (ROA) | 1.1540% | 2,385 |
| Pretax return on assets | 1.4682% | 1,962 |
| Return on Equity (ROE) | 12.7694% | 1,311 |
| Retained earnings to average equity (ytd only) | 12.3706% | 364 |
| Net charge-offs to loans | 0.1963% | 841 |
| Credit loss provision to net charge-offs | 193.7220% | 1,249 |
| Earnings coverage of net charge-offs (x) | 10.5492% | 2,260 |
| Efficiency ratio | 50.6859% | 4,743 |
| Assets per employee ($millions) | 17.8322% | 69 |
| Cash dividends to net income (ytd only)* | 3.1235% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8451% | 4,285 |
| Loan loss allowance to noncurrent loans | 152.2208% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.4708% | 2,651 |
| Noncurrent loans to loans | 0.5552% | 2,606 |
| Net loans and leases to total assets | 84.0856% | 353 |
| Net loans and leases to deposits | 109.0773% | 239 |
| Net loans and leases to core deposits | 136.3540% | 232 |
| Total domestic deposits to total assets | 77.0881% | 4,549 |
| Equity capital to assets | 9.0026% | 4,794 |
| Core capital (leverage) ratio | 8.9548% | 4,665 |
| Tier 1 risk-based capital ratio | 9.2853% | 5,283 |
| Total risk-based capital ratio | 10.8484% | 5,249 |
| Memoranda: | ||
| Average total assets | $28,852,647,000 | 65 |
| Average earning assets | $27,884,623,000 | 62 |
| Average equity | $2,607,508,000 | 81 |
| Average total loans | $25,058,489,670 | 50 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7741% | 1,974 |
| Cost of funding earning assets | 1.2798% | 706 |
| Net interest margin | 3.4942% | 3,607 |
| Noninterest income to average assets | 0.3230% | 3,701 |
| Noninterest expense to average assets | 1.8588% | 4,854 |
| Loan and lease loss provision to assets | 0.3058% | 416 |
| Net operating income to assets | 1.2128% | 2,007 |
| Return on assets (ROA) | 1.2120% | 2,061 |
| Pretax return on assets | 1.5398% | 1,643 |
| Return on Equity (ROE) | 13.3837% | 1,116 |
| Retained earnings to average equity (ytd only) | 12.9780% | 468 |
| Net charge-offs to loans | 0.0737% | 1,324 |
| Credit loss provision to net charge-offs | 471.6434% | 632 |
| Earnings coverage of net charge-offs (x) | 28.4385% | 1,360 |
| Efficiency ratio | 50.1599% | 4,814 |
| Assets per employee ($millions) | 17.2261% | 71 |
| Cash dividends to net income (ytd only)* | 3.0312% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8259% | 4,438 |
| Loan loss allowance to noncurrent loans | 130.6627% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.5626% | 2,389 |
| Noncurrent loans to loans | 0.6321% | 2,436 |
| Net loans and leases to total assets | 88.2822% | 89 |
| Net loans and leases to deposits | 120.7953% | 76 |
| Net loans and leases to core deposits | 148.5730% | 132 |
| Total domestic deposits to total assets | 73.0841% | 4,992 |
| Equity capital to assets | 9.1865% | 4,549 |
| Core capital (leverage) ratio | 9.7036% | 3,914 |
| Tier 1 risk-based capital ratio | 9.2570% | 5,338 |
| Total risk-based capital ratio | 10.8393% | 5,307 |
| Memoranda: | ||
| Average total assets | $28,308,861,000 | 68 |
| Average earning assets | $27,378,352,000 | 63 |
| Average equity | $2,563,560,500 | 84 |
| Average total loans | $24,892,742,500 | 52 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5534% | 2,280 |
| Cost of funding earning assets | 0.9374% | 973 |
| Net interest margin | 3.6161% | 3,323 |
| Noninterest income to average assets | 0.2479% | 4,436 |
| Noninterest expense to average assets | 1.9326% | 4,845 |
| Loan and lease loss provision to assets | 0.3192% | 503 |
| Net operating income to assets | 1.1827% | 2,253 |
| Return on assets (ROA) | 1.1734% | 2,286 |
| Pretax return on assets | 1.4854% | 1,829 |
| Return on Equity (ROE) | 13.2529% | 1,249 |
| Retained earnings to average equity (ytd only) | 12.8100% | 250 |
| Net charge-offs to loans | 0.3377% | 570 |
| Credit loss provision to net charge-offs | 108.8299% | 2,357 |
| Earnings coverage of net charge-offs (x) | 6.1875% | 3,114 |
| Efficiency ratio | 51.5137% | 4,837 |
| Assets per employee ($millions) | 16.9954% | 78 |
| Cash dividends to net income (ytd only)* | 3.3424% | 3,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7808% | 4,602 |
| Loan loss allowance to noncurrent loans | 179.7367% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.3775% | 3,045 |
| Noncurrent loans to loans | 0.4344% | 2,982 |
| Net loans and leases to total assets | 86.1652% | 226 |
| Net loans and leases to deposits | 117.5988% | 125 |
| Net loans and leases to core deposits | 143.7143% | 170 |
| Total domestic deposits to total assets | 73.2704% | 4,991 |
| Equity capital to assets | 8.9243% | 4,636 |
| Core capital (leverage) ratio | 9.5293% | 4,087 |
| Tier 1 risk-based capital ratio | 9.2012% | 5,378 |
| Total risk-based capital ratio | 10.7697% | 5,347 |
| Memoranda: | ||
| Average total assets | $26,518,116,000 | 69 |
| Average earning assets | $25,661,928,400 | 65 |
| Average equity | $2,347,841,200 | 88 |
| Average total loans | $23,028,308,200 | 52 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4641% | 2,417 |
| Cost of funding earning assets | 0.8544% | 1,100 |
| Net interest margin | 3.6097% | 3,334 |
| Noninterest income to average assets | 0.2670% | 4,364 |
| Noninterest expense to average assets | 1.9653% | 4,802 |
| Loan and lease loss provision to assets | 0.2596% | 595 |
| Net operating income to assets | 1.2147% | 2,178 |
| Return on assets (ROA) | 1.2091% | 2,209 |
| Pretax return on assets | 1.5301% | 1,805 |
| Return on Equity (ROE) | 13.6859% | 1,208 |
| Retained earnings to average equity (ytd only) | 13.2346% | 333 |
| Net charge-offs to loans | 0.2657% | 629 |
| Credit loss provision to net charge-offs | 112.5197% | 2,077 |
| Earnings coverage of net charge-offs (x) | 7.7814% | 2,775 |
| Efficiency ratio | 52.2044% | 4,789 |
| Assets per employee ($millions) | 16.5261% | 78 |
| Cash dividends to net income (ytd only)* | 3.2973% | 3,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8033% | 4,609 |
| Loan loss allowance to noncurrent loans | 132.0973% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.5318% | 2,615 |
| Noncurrent loans to loans | 0.6081% | 2,561 |
| Net loans and leases to total assets | 86.7121% | 209 |
| Net loans and leases to deposits | 114.7591% | 170 |
| Net loans and leases to core deposits | 138.8362% | 218 |
| Total domestic deposits to total assets | 75.5601% | 4,830 |
| Equity capital to assets | 9.0186% | 4,531 |
| Core capital (leverage) ratio | 9.3458% | 4,343 |
| Tier 1 risk-based capital ratio | 9.2788% | 5,448 |
| Total risk-based capital ratio | 10.9001% | 5,400 |
| Memoranda: | ||
| Average total assets | $26,086,053,250 | 70 |
| Average earning assets | $25,246,176,500 | 65 |
| Average equity | $2,304,605,750 | 87 |
| Average total loans | $22,652,873,250 | 53 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3534% | 2,575 |
| Cost of funding earning assets | 0.7582% | 1,332 |
| Net interest margin | 3.5952% | 3,328 |
| Noninterest income to average assets | 0.2250% | 4,678 |
| Noninterest expense to average assets | 1.9477% | 4,888 |
| Loan and lease loss provision to assets | 0.2922% | 474 |
| Net operating income to assets | 1.1602% | 2,349 |
| Return on assets (ROA) | 1.1537% | 2,381 |
| Pretax return on assets | 1.4577% | 1,963 |
| Return on Equity (ROE) | 13.1545% | 1,319 |
| Retained earnings to average equity (ytd only) | 12.6939% | 426 |
| Net charge-offs to loans | 0.3871% | 409 |
| Credit loss provision to net charge-offs | 87.1236% | 2,192 |
| Earnings coverage of net charge-offs (x) | 5.2379% | 2,725 |
| Efficiency ratio | 52.5272% | 4,832 |
| Assets per employee ($millions) | 17.1080% | 67 |
| Cash dividends to net income (ytd only)* | 3.5013% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7548% | 4,818 |
| Loan loss allowance to noncurrent loans | 151.1218% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.4614% | 2,891 |
| Noncurrent loans to loans | 0.4994% | 2,922 |
| Net loans and leases to total assets | 84.8673% | 370 |
| Net loans and leases to deposits | 115.2593% | 171 |
| Net loans and leases to core deposits | 135.8517% | 242 |
| Total domestic deposits to total assets | 73.6317% | 5,080 |
| Equity capital to assets | 8.4987% | 4,939 |
| Core capital (leverage) ratio | 9.5075% | 4,109 |
| Tier 1 risk-based capital ratio | 8.9570% | 5,514 |
| Total risk-based capital ratio | 10.5387% | 5,494 |
| Memoranda: | ||
| Average total assets | $25,747,118,000 | 70 |
| Average earning assets | $24,916,766,000 | 66 |
| Average equity | $2,258,041,000 | 89 |
| Average total loans | $22,306,579,330 | 52 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2512% | 2,704 |
| Cost of funding earning assets | 0.6937% | 1,475 |
| Net interest margin | 3.5575% | 3,321 |
| Noninterest income to average assets | 0.2502% | 4,505 |
| Noninterest expense to average assets | 1.9725% | 4,903 |
| Loan and lease loss provision to assets | 0.1850% | 920 |
| Net operating income to assets | 1.2108% | 1,959 |
| Return on assets (ROA) | 1.2027% | 2,004 |
| Pretax return on assets | 1.5260% | 1,611 |
| Return on Equity (ROE) | 13.4796% | 1,142 |
| Retained earnings to average equity (ytd only) | 13.0086% | 522 |
| Net charge-offs to loans | 0.0964% | 1,212 |
| Credit loss provision to net charge-offs | 219.9424% | 984 |
| Earnings coverage of net charge-offs (x) | 20.4428% | 1,470 |
| Efficiency ratio | 53.3677% | 4,855 |
| Assets per employee ($millions) | 15.3985% | 86 |
| Cash dividends to net income (ytd only)* | 3.4944% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8874% | 4,497 |
| Loan loss allowance to noncurrent loans | 110.7740% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.7443% | 2,090 |
| Noncurrent loans to loans | 0.8011% | 2,210 |
| Net loans and leases to total assets | 87.2507% | 180 |
| Net loans and leases to deposits | 112.7790% | 195 |
| Net loans and leases to core deposits | 126.6464% | 406 |
| Total domestic deposits to total assets | 77.3644% | 4,822 |
| Equity capital to assets | 9.1857% | 4,378 |
| Core capital (leverage) ratio | 9.3061% | 4,318 |
| Tier 1 risk-based capital ratio | 9.3009% | 5,570 |
| Total risk-based capital ratio | 11.0732% | 5,486 |
| Memoranda: | ||
| Average total assets | $24,746,105,500 | 72 |
| Average earning assets | $23,943,916,000 | 69 |
| Average equity | $2,207,900,500 | 89 |
| Average total loans | $21,595,345,500 | 53 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9501% | 3,571 |
| Cost of funding earning assets | 0.4945% | 2,381 |
| Net interest margin | 3.4557% | 3,668 |
| Noninterest income to average assets | 0.2376% | 4,714 |
| Noninterest expense to average assets | 1.9150% | 5,095 |
| Loan and lease loss provision to assets | 0.2013% | 1,024 |
| Net operating income to assets | 0.8938% | 2,751 |
| Return on assets (ROA) | 0.8883% | 2,797 |
| Pretax return on assets | 1.4646% | 1,762 |
| Return on Equity (ROE) | 10.0636% | 1,856 |
| Retained earnings to average equity (ytd only) | 9.5519% | 413 |
| Net charge-offs to loans | 0.1500% | 1,597 |
| Credit loss provision to net charge-offs | 155.4255% | 1,724 |
| Earnings coverage of net charge-offs (x) | 12.9023% | 2,439 |
| Efficiency ratio | 53.3404% | 5,004 |
| Assets per employee ($millions) | 16.0504% | 77 |
| Cash dividends to net income (ytd only)* | 5.0851% | 4,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8518% | 4,660 |
| Loan loss allowance to noncurrent loans | 142.4697% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.5642% | 2,666 |
| Noncurrent loans to loans | 0.5979% | 2,734 |
| Net loans and leases to total assets | 85.7852% | 273 |
| Net loans and leases to deposits | 111.5496% | 231 |
| Net loans and leases to core deposits | 125.1136% | 456 |
| Total domestic deposits to total assets | 76.9032% | 4,863 |
| Equity capital to assets | 8.6652% | 4,981 |
| Core capital (leverage) ratio | 8.5869% | 5,057 |
| Tier 1 risk-based capital ratio | 8.9412% | 5,637 |
| Total risk-based capital ratio | 10.6728% | 5,592 |
| Memoranda: | ||
| Average total assets | $23,022,329,600 | 74 |
| Average earning assets | $22,309,450,000 | 67 |
| Average equity | $2,032,248,000 | 87 |
| Average total loans | $19,887,400,200 | 56 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8545% | 3,816 |
| Cost of funding earning assets | 0.4485% | 2,731 |
| Net interest margin | 3.4061% | 3,831 |
| Noninterest income to average assets | 0.2840% | 4,494 |
| Noninterest expense to average assets | 1.9043% | 5,127 |
| Loan and lease loss provision to assets | 0.2586% | 656 |
| Net operating income to assets | 0.9404% | 2,825 |
| Return on assets (ROA) | 0.9350% | 2,913 |
| Pretax return on assets | 1.4176% | 2,071 |
| Return on Equity (ROE) | 10.5385% | 1,887 |
| Retained earnings to average equity (ytd only) | 10.0178% | 581 |
| Net charge-offs to loans | 0.1979% | 1,074 |
| Credit loss provision to net charge-offs | 151.2960% | 1,681 |
| Earnings coverage of net charge-offs (x) | 9.8400% | 2,656 |
| Efficiency ratio | 53.0461% | 5,008 |
| Assets per employee ($millions) | 16.0086% | 75 |
| Cash dividends to net income (ytd only)* | 4.9402% | 3,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8537% | 4,743 |
| Loan loss allowance to noncurrent loans | 143.9275% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.5953% | 2,730 |
| Noncurrent loans to loans | 0.5932% | 2,928 |
| Net loans and leases to total assets | 87.0751% | 199 |
| Net loans and leases to deposits | 110.3444% | 266 |
| Net loans and leases to core deposits | 122.1028% | 513 |
| Total domestic deposits to total assets | 78.9121% | 4,544 |
| Equity capital to assets | 8.6472% | 5,191 |
| Core capital (leverage) ratio | 8.9005% | 4,864 |
| Tier 1 risk-based capital ratio | 8.7727% | 5,706 |
| Total risk-based capital ratio | 10.5171% | 5,679 |
| Memoranda: | ||
| Average total assets | $22,514,227,250 | 74 |
| Average earning assets | $21,825,724,250 | 70 |
| Average equity | $1,997,549,250 | 86 |
| Average total loans | $19,439,771,250 | 58 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7046% | 4,220 |
| Cost of funding earning assets | 0.3965% | 3,114 |
| Net interest margin | 3.3082% | 4,078 |
| Noninterest income to average assets | 0.2917% | 4,468 |
| Noninterest expense to average assets | 1.9208% | 5,155 |
| Loan and lease loss provision to assets | 0.2213% | 795 |
| Net operating income to assets | 0.8950% | 2,936 |
| Return on assets (ROA) | 0.8898% | 3,021 |
| Pretax return on assets | 1.3527% | 2,199 |
| Return on Equity (ROE) | 9.9348% | 2,064 |
| Retained earnings to average equity (ytd only) | 9.4042% | 728 |
| Net charge-offs to loans | 0.1930% | 1,043 |
| Credit loss provision to net charge-offs | 133.6627% | 1,648 |
| Earnings coverage of net charge-offs (x) | 9.5386% | 2,424 |
| Efficiency ratio | 54.8182% | 4,942 |
| Assets per employee ($millions) | 15.3961% | 80 |
| Cash dividends to net income (ytd only)* | 5.3405% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8578% | 4,795 |
| Loan loss allowance to noncurrent loans | 129.2413% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.6642% | 2,548 |
| Noncurrent loans to loans | 0.6637% | 2,761 |
| Net loans and leases to total assets | 87.1319% | 192 |
| Net loans and leases to deposits | 115.0203% | 184 |
| Net loans and leases to core deposits | 126.8487% | 370 |
| Total domestic deposits to total assets | 75.7535% | 5,123 |
| Equity capital to assets | 8.6953% | 5,145 |
| Core capital (leverage) ratio | 9.3389% | 4,312 |
| Tier 1 risk-based capital ratio | 8.8653% | 5,748 |
| Total risk-based capital ratio | 10.6758% | 5,705 |
| Memoranda: | ||
| Average total assets | $21,886,626,000 | 75 |
| Average earning assets | $21,225,797,000 | 71 |
| Average equity | $1,960,181,330 | 88 |
| Average total loans | $18,777,470,330 | 58 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5747% | 4,485 |
| Cost of funding earning assets | 0.3632% | 3,380 |
| Net interest margin | 3.2115% | 4,303 |
| Noninterest income to average assets | 0.2909% | 4,474 |
| Noninterest expense to average assets | 1.9387% | 5,169 |
| Loan and lease loss provision to assets | 0.1800% | 966 |
| Net operating income to assets | 0.8392% | 3,045 |
| Return on assets (ROA) | 0.8340% | 3,120 |
| Pretax return on assets | 1.2826% | 2,292 |
| Return on Equity (ROE) | 9.1676% | 2,333 |
| Retained earnings to average equity (ytd only) | 8.6303% | 1,222 |
| Net charge-offs to loans | 0.1263% | 1,163 |
| Credit loss provision to net charge-offs | 168.3368% | 1,131 |
| Earnings coverage of net charge-offs (x) | 13.7250% | 1,766 |
| Efficiency ratio | 56.8472% | 4,852 |
| Assets per employee ($millions) | 14.2393% | 104 |
| Cash dividends to net income (ytd only)* | 5.8610% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9798% | 4,395 |
| Loan loss allowance to noncurrent loans | 110.7268% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.8350% | 2,211 |
| Noncurrent loans to loans | 0.8849% | 2,261 |
| Net loans and leases to total assets | 83.3301% | 432 |
| Net loans and leases to deposits | 103.3341% | 433 |
| Net loans and leases to core deposits | 113.4912% | 703 |
| Total domestic deposits to total assets | 80.6415% | 4,493 |
| Equity capital to assets | 9.3826% | 4,409 |
| Core capital (leverage) ratio | 9.2926% | 4,355 |
| Tier 1 risk-based capital ratio | 9.8934% | 5,721 |
| Total risk-based capital ratio | 11.9655% | 5,370 |
| Memoranda: | ||
| Average total assets | $21,275,192,500 | 77 |
| Average earning assets | $20,639,972,500 | 72 |
| Average equity | $1,935,549,500 | 87 |
| Average total loans | $18,011,220,500 | 60 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4872% | 4,815 |
| Cost of funding earning assets | 0.2785% | 4,268 |
| Net interest margin | 3.2087% | 4,426 |
| Noninterest income to average assets | 0.2738% | 4,780 |
| Noninterest expense to average assets | 1.8190% | 5,458 |
| Loan and lease loss provision to assets | 0.3584% | 469 |
| Net operating income to assets | 0.7827% | 3,388 |
| Return on assets (ROA) | 0.7776% | 3,519 |
| Pretax return on assets | 1.2093% | 2,625 |
| Return on Equity (ROE) | 9.0665% | 2,385 |
| Retained earnings to average equity (ytd only) | 8.4839% | 707 |
| Net charge-offs to loans | 0.2683% | 1,032 |
| Credit loss provision to net charge-offs | 156.7852% | 1,758 |
| Earnings coverage of net charge-offs (x) | 6.8803% | 3,104 |
| Efficiency ratio | 53.5684% | 5,275 |
| Assets per employee ($millions) | 15.0938% | 84 |
| Cash dividends to net income (ytd only)* | 6.4259% | 4,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9104% | 4,747 |
| Loan loss allowance to noncurrent loans | 94.1777% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 0.9105% | 2,085 |
| Noncurrent loans to loans | 0.9667% | 2,154 |
| Net loans and leases to total assets | 84.3675% | 355 |
| Net loans and leases to deposits | 106.1600% | 339 |
| Net loans and leases to core deposits | 117.7840% | 556 |
| Total domestic deposits to total assets | 79.4720% | 4,683 |
| Equity capital to assets | 8.8237% | 4,991 |
| Core capital (leverage) ratio | 8.4231% | 5,344 |
| Tier 1 risk-based capital ratio | 9.2336% | 5,838 |
| Total risk-based capital ratio | 11.1929% | 5,716 |
| Memoranda: | ||
| Average total assets | $20,813,196,200 | 74 |
| Average earning assets | $20,224,287,600 | 69 |
| Average equity | $1,785,090,000 | 90 |
| Average total loans | $17,731,456,400 | 60 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4368% | 4,943 |
| Cost of funding earning assets | 0.2718% | 4,366 |
| Net interest margin | 3.1649% | 4,589 |
| Noninterest income to average assets | 0.2536% | 4,946 |
| Noninterest expense to average assets | 1.7659% | 5,557 |
| Loan and lease loss provision to assets | 0.4282% | 323 |
| Net operating income to assets | 0.7294% | 3,697 |
| Return on assets (ROA) | 0.7243% | 3,855 |
| Pretax return on assets | 1.1309% | 3,111 |
| Return on Equity (ROE) | 8.5093% | 2,756 |
| Retained earnings to average equity (ytd only) | 7.9160% | 1,208 |
| Net charge-offs to loans | 0.2037% | 1,147 |
| Credit loss provision to net charge-offs | 246.6585% | 1,210 |
| Earnings coverage of net charge-offs (x) | 9.0101% | 2,718 |
| Efficiency ratio | 52.9645% | 5,315 |
| Assets per employee ($millions) | 15.6465% | 71 |
| Cash dividends to net income (ytd only)* | 6.9722% | 3,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9875% | 4,482 |
| Loan loss allowance to noncurrent loans | 100.9048% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 0.8910% | 2,329 |
| Noncurrent loans to loans | 0.9786% | 2,282 |
| Net loans and leases to total assets | 81.4861% | 687 |
| Net loans and leases to deposits | 99.4190% | 742 |
| Net loans and leases to core deposits | 109.2997% | 965 |
| Total domestic deposits to total assets | 81.9623% | 3,945 |
| Equity capital to assets | 8.1976% | 5,672 |
| Core capital (leverage) ratio | 8.3133% | 5,492 |
| Tier 1 risk-based capital ratio | 8.7327% | 5,930 |
| Total risk-based capital ratio | 10.7393% | 5,868 |
| Memoranda: | ||
| Average total assets | $20,594,044,250 | 75 |
| Average earning assets | $20,017,941,750 | 70 |
| Average equity | $1,752,904,000 | 91 |
| Average total loans | $17,547,501,000 | 61 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4175% | 5,040 |
| Cost of funding earning assets | 0.2758% | 4,387 |
| Net interest margin | 3.1417% | 4,710 |
| Noninterest income to average assets | 0.2357% | 5,073 |
| Noninterest expense to average assets | 1.7779% | 5,621 |
| Loan and lease loss provision to assets | 0.4552% | 311 |
| Net operating income to assets | 0.6776% | 3,912 |
| Return on assets (ROA) | 0.6725% | 4,083 |
| Pretax return on assets | 1.0509% | 3,392 |
| Return on Equity (ROE) | 7.7951% | 3,090 |
| Retained earnings to average equity (ytd only) | 7.1941% | 1,509 |
| Net charge-offs to loans | 0.2239% | 1,040 |
| Credit loss provision to net charge-offs | 235.7047% | 1,158 |
| Earnings coverage of net charge-offs (x) | 7.8246% | 2,592 |
| Efficiency ratio | 53.9888% | 5,313 |
| Assets per employee ($millions) | 15.2556% | 77 |
| Cash dividends to net income (ytd only)* | 7.7096% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9308% | 4,842 |
| Loan loss allowance to noncurrent loans | 96.6652% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 0.9109% | 2,337 |
| Noncurrent loans to loans | 0.9629% | 2,352 |
| Net loans and leases to total assets | 84.5665% | 379 |
| Net loans and leases to deposits | 106.3190% | 355 |
| Net loans and leases to core deposits | 118.6998% | 549 |
| Total domestic deposits to total assets | 79.5403% | 4,662 |
| Equity capital to assets | 8.3779% | 5,661 |
| Core capital (leverage) ratio | 8.5517% | 5,319 |
| Tier 1 risk-based capital ratio | 8.5110% | 6,009 |
| Total risk-based capital ratio | 10.4575% | 5,975 |
| Memoranda: | ||
| Average total assets | $20,057,954,000 | 76 |
| Average earning assets | $19,494,178,670 | 72 |
| Average equity | $1,730,518,330 | 93 |
| Average total loans | $17,305,922,330 | 62 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3778% | 5,171 |
| Cost of funding earning assets | 0.2796% | 4,396 |
| Net interest margin | 3.0982% | 4,865 |
| Noninterest income to average assets | 0.2154% | 5,198 |
| Noninterest expense to average assets | 1.7763% | 5,676 |
| Loan and lease loss provision to assets | 0.5891% | 188 |
| Net operating income to assets | 0.5534% | 4,401 |
| Return on assets (ROA) | 0.5481% | 4,536 |
| Pretax return on assets | 0.8565% | 4,018 |
| Return on Equity (ROE) | 6.2557% | 3,857 |
| Retained earnings to average equity (ytd only) | 5.6487% | 2,559 |
| Net charge-offs to loans | 0.1744% | 1,099 |
| Credit loss provision to net charge-offs | 389.3321% | 722 |
| Earnings coverage of net charge-offs (x) | 9.5890% | 1,979 |
| Efficiency ratio | 54.9864% | 5,288 |
| Assets per employee ($millions) | 14.9446% | 88 |
| Cash dividends to net income (ytd only)* | 9.7037% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9484% | 4,860 |
| Loan loss allowance to noncurrent loans | 88.6792% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 0.9940% | 2,223 |
| Noncurrent loans to loans | 1.0694% | 2,252 |
| Net loans and leases to total assets | 84.0052% | 373 |
| Net loans and leases to deposits | 103.7931% | 421 |
| Net loans and leases to core deposits | 114.0184% | 669 |
| Total domestic deposits to total assets | 80.9353% | 4,511 |
| Equity capital to assets | 8.5419% | 5,537 |
| Core capital (leverage) ratio | 8.9343% | 4,933 |
| Tier 1 risk-based capital ratio | 8.6190% | 6,065 |
| Total risk-based capital ratio | 10.6152% | 6,016 |
| Memoranda: | ||
| Average total assets | $19,552,917,500 | 79 |
| Average earning assets | $19,007,252,000 | 75 |
| Average equity | $1,713,251,000 | 94 |
| Average total loans | $16,966,940,000 | 62 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5159% | 4,879 |
| Cost of funding earning assets | 0.2314% | 4,999 |
| Net interest margin | 3.2846% | 4,354 |
| Noninterest income to average assets | 0.2572% | 5,055 |
| Noninterest expense to average assets | 1.8273% | 5,704 |
| Loan and lease loss provision to assets | 0.2896% | 604 |
| Net operating income to assets | 0.8604% | 3,066 |
| Return on assets (ROA) | 0.8549% | 3,157 |
| Pretax return on assets | 1.3255% | 2,178 |
| Return on Equity (ROE) | 9.4282% | 2,256 |
| Retained earnings to average equity (ytd only) | 8.7808% | 710 |
| Net charge-offs to loans | 0.0704% | 2,837 |
| Credit loss provision to net charge-offs | 460.4111% | 670 |
| Earnings coverage of net charge-offs (x) | 25.7654% | 1,618 |
| Efficiency ratio | 52.8959% | 5,587 |
| Assets per employee ($millions) | 14.2755% | 91 |
| Cash dividends to net income (ytd only)* | 6.8674% | 4,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8400% | 5,299 |
| Loan loss allowance to noncurrent loans | 75.5404% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 0.9898% | 2,221 |
| Noncurrent loans to loans | 1.1120% | 2,114 |
| Net loans and leases to total assets | 88.1285% | 117 |
| Net loans and leases to deposits | 110.0359% | 241 |
| Net loans and leases to core deposits | 121.8471% | 430 |
| Total domestic deposits to total assets | 80.0906% | 4,720 |
| Equity capital to assets | 8.9975% | 5,126 |
| Core capital (leverage) ratio | 8.7498% | 5,165 |
| Tier 1 risk-based capital ratio | 8.6435% | 6,122 |
| Total risk-based capital ratio | 10.5697% | 6,063 |
| Memoranda: | ||
| Average total assets | $17,714,773,800 | 80 |
| Average earning assets | $17,208,262,800 | 75 |
| Average equity | $1,606,251,400 | 93 |
| Average total loans | $15,826,237,000 | 61 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5437% | 4,881 |
| Cost of funding earning assets | 0.2274% | 5,115 |
| Net interest margin | 3.3163% | 4,275 |
| Noninterest income to average assets | 0.2666% | 5,029 |
| Noninterest expense to average assets | 1.8090% | 5,762 |
| Loan and lease loss provision to assets | 0.2964% | 501 |
| Net operating income to assets | 0.8867% | 3,012 |
| Return on assets (ROA) | 0.8810% | 3,119 |
| Pretax return on assets | 1.3766% | 2,115 |
| Return on Equity (ROE) | 9.6962% | 2,224 |
| Retained earnings to average equity (ytd only) | 9.0390% | 886 |
| Net charge-offs to loans | 0.0782% | 2,433 |
| Credit loss provision to net charge-offs | 423.6272% | 728 |
| Earnings coverage of net charge-offs (x) | 23.9894% | 1,709 |
| Efficiency ratio | 51.7591% | 5,669 |
| Assets per employee ($millions) | 14.5613% | 90 |
| Cash dividends to net income (ytd only)* | 6.7770% | 3,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8222% | 5,458 |
| Loan loss allowance to noncurrent loans | 111.3518% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 0.6295% | 3,378 |
| Noncurrent loans to loans | 0.7384% | 3,116 |
| Net loans and leases to total assets | 84.4158% | 355 |
| Net loans and leases to deposits | 103.4382% | 477 |
| Net loans and leases to core deposits | 115.2652% | 625 |
| Total domestic deposits to total assets | 81.6099% | 4,287 |
| Equity capital to assets | 8.9302% | 5,370 |
| Core capital (leverage) ratio | 8.8970% | 5,122 |
| Tier 1 risk-based capital ratio | 8.9170% | 6,194 |
| Total risk-based capital ratio | 10.8818% | 6,095 |
| Memoranda: | ||
| Average total assets | $17,418,287,250 | 81 |
| Average earning assets | $16,918,258,500 | 76 |
| Average equity | $1,582,664,250 | 96 |
| Average total loans | $15,583,290,000 | 61 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5755% | 4,788 |
| Cost of funding earning assets | 0.2265% | 5,176 |
| Net interest margin | 3.3490% | 4,111 |
| Noninterest income to average assets | 0.2822% | 4,935 |
| Noninterest expense to average assets | 1.8325% | 5,810 |
| Loan and lease loss provision to assets | 0.2896% | 550 |
| Net operating income to assets | 0.9061% | 2,843 |
| Return on assets (ROA) | 0.9005% | 2,994 |
| Pretax return on assets | 1.4070% | 1,955 |
| Return on Equity (ROE) | 9.8484% | 2,138 |
| Retained earnings to average equity (ytd only) | 9.1796% | 869 |
| Net charge-offs to loans | 0.0880% | 2,155 |
| Credit loss provision to net charge-offs | 361.6153% | 808 |
| Earnings coverage of net charge-offs (x) | 21.2551% | 1,680 |
| Efficiency ratio | 51.7259% | 5,739 |
| Assets per employee ($millions) | 14.5504% | 85 |
| Cash dividends to net income (ytd only)* | 6.7912% | 3,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7409% | 5,729 |
| Loan loss allowance to noncurrent loans | 92.4993% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 0.7244% | 3,211 |
| Noncurrent loans to loans | 0.8010% | 3,114 |
| Net loans and leases to total assets | 89.3389% | 91 |
| Net loans and leases to deposits | 111.6677% | 228 |
| Net loans and leases to core deposits | 127.3881% | 320 |
| Total domestic deposits to total assets | 78.8460% | 5,127 |
| Equity capital to assets | 9.1453% | 5,087 |
| Core capital (leverage) ratio | 8.8358% | 5,179 |
| Tier 1 risk-based capital ratio | 8.6306% | 6,275 |
| Total risk-based capital ratio | 10.5153% | 6,212 |
| Memoranda: | ||
| Average total assets | $17,006,689,330 | 84 |
| Average earning assets | $16,516,568,670 | 78 |
| Average equity | $1,554,966,000 | 101 |
| Average total loans | $15,485,493,330 | 62 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5055% | 4,946 |
| Cost of funding earning assets | 0.2297% | 5,219 |
| Net interest margin | 3.2758% | 4,320 |
| Noninterest income to average assets | 0.2834% | 4,908 |
| Noninterest expense to average assets | 1.8309% | 5,852 |
| Loan and lease loss provision to assets | 0.2468% | 675 |
| Net operating income to assets | 0.8906% | 2,785 |
| Return on assets (ROA) | 0.8850% | 2,946 |
| Pretax return on assets | 1.3828% | 1,949 |
| Return on Equity (ROE) | 9.6809% | 2,141 |
| Retained earnings to average equity (ytd only) | 8.9959% | 1,195 |
| Net charge-offs to loans | 0.0821% | 1,887 |
| Credit loss provision to net charge-offs | 328.2602% | 765 |
| Earnings coverage of net charge-offs (x) | 21.7501% | 1,371 |
| Efficiency ratio | 52.7014% | 5,769 |
| Assets per employee ($millions) | 14.9163% | 78 |
| Cash dividends to net income (ytd only)* | 7.0766% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6684% | 5,958 |
| Loan loss allowance to noncurrent loans | 151.6288% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.4151% | 4,369 |
| Noncurrent loans to loans | 0.4408% | 4,273 |
| Net loans and leases to total assets | 92.7465% | 17 |
| Net loans and leases to deposits | 113.2264% | 167 |
| Net loans and leases to core deposits | 132.3674% | 224 |
| Total domestic deposits to total assets | 80.4390% | 4,947 |
| Equity capital to assets | 9.1849% | 5,108 |
| Core capital (leverage) ratio | 9.3145% | 4,546 |
| Tier 1 risk-based capital ratio | 8.3665% | 6,343 |
| Total risk-based capital ratio | 10.1847% | 6,316 |
| Memoranda: | ||
| Average total assets | $16,605,192,000 | 85 |
| Average earning assets | $16,133,005,500 | 79 |
| Average equity | $1,518,075,000 | 101 |
| Average total loans | $15,213,370,000 | 63 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9482% | 3,932 |
| Cost of funding earning assets | 0.2938% | 4,853 |
| Net interest margin | 3.6545% | 3,201 |
| Noninterest income to average assets | 0.3030% | 4,946 |
| Noninterest expense to average assets | 2.0946% | 5,585 |
| Loan and lease loss provision to assets | 0.1454% | 1,818 |
| Net operating income to assets | 1.0296% | 2,267 |
| Return on assets (ROA) | 1.0232% | 2,358 |
| Pretax return on assets | 1.5939% | 1,255 |
| Return on Equity (ROE) | 11.5149% | 1,547 |
| Retained earnings to average equity (ytd only) | 11.0815% | 369 |
| Net charge-offs to loans | 0.0495% | 3,834 |
| Credit loss provision to net charge-offs | 312.5796% | 834 |
| Earnings coverage of net charge-offs (x) | 37.5355% | 1,143 |
| Efficiency ratio | 54.4103% | 5,806 |
| Assets per employee ($millions) | 13.9654% | 92 |
| Cash dividends to net income (ytd only)* | 3.7632% | 4,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7081% | 5,975 |
| Loan loss allowance to noncurrent loans | 207.8098% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.3093% | 4,804 |
| Noncurrent loans to loans | 0.3407% | 4,633 |
| Net loans and leases to total assets | 89.0733% | 85 |
| Net loans and leases to deposits | 110.1672% | 230 |
| Net loans and leases to core deposits | 130.7538% | 233 |
| Total domestic deposits to total assets | 78.8852% | 5,268 |
| Equity capital to assets | 9.0956% | 5,186 |
| Core capital (leverage) ratio | 9.7459% | 3,908 |
| Tier 1 risk-based capital ratio | 8.5657% | 6,427 |
| Total risk-based capital ratio | 10.5684% | 6,356 |
| Memoranda: | ||
| Average total assets | $13,504,177,600 | 96 |
| Average earning assets | $13,070,553,200 | 90 |
| Average equity | $1,200,014,800 | 113 |
| Average total loans | $12,691,679,400 | 70 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0369% | 3,605 |
| Cost of funding earning assets | 0.3187% | 4,685 |
| Net interest margin | 3.7182% | 2,947 |
| Noninterest income to average assets | 0.3106% | 4,957 |
| Noninterest expense to average assets | 2.1610% | 5,429 |
| Loan and lease loss provision to assets | 0.1433% | 1,753 |
| Net operating income to assets | 1.0257% | 2,340 |
| Return on assets (ROA) | 1.0192% | 2,425 |
| Pretax return on assets | 1.5950% | 1,338 |
| Return on Equity (ROE) | 11.5530% | 1,606 |
| Retained earnings to average equity (ytd only) | 11.2485% | 478 |
| Net charge-offs to loans | 0.0558% | 3,419 |
| Credit loss provision to net charge-offs | 269.2158% | 991 |
| Earnings coverage of net charge-offs (x) | 32.7848% | 1,295 |
| Efficiency ratio | 55.1894% | 5,726 |
| Assets per employee ($millions) | 12.8693% | 119 |
| Cash dividends to net income (ytd only)* | 2.6353% | 3,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7156% | 6,070 |
| Loan loss allowance to noncurrent loans | 219.7377% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.3117% | 5,025 |
| Noncurrent loans to loans | 0.3256% | 4,931 |
| Net loans and leases to total assets | 93.7257% | 10 |
| Net loans and leases to deposits | 112.8224% | 168 |
| Net loans and leases to core deposits | 137.1207% | 170 |
| Total domestic deposits to total assets | 80.2234% | 5,042 |
| Equity capital to assets | 9.1708% | 5,182 |
| Core capital (leverage) ratio | 9.4397% | 4,452 |
| Tier 1 risk-based capital ratio | 8.1977% | 6,506 |
| Total risk-based capital ratio | 10.2863% | 6,467 |
| Memoranda: | ||
| Average total assets | $12,907,073,000 | 98 |
| Average earning assets | $12,480,249,750 | 95 |
| Average equity | $1,138,635,000 | 115 |
| Average total loans | $12,300,346,250 | 73 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0267% | 3,631 |
| Cost of funding earning assets | 0.3508% | 4,429 |
| Net interest margin | 3.6759% | 3,044 |
| Noninterest income to average assets | 0.3227% | 4,836 |
| Noninterest expense to average assets | 2.2106% | 5,389 |
| Loan and lease loss provision to assets | 0.1295% | 1,903 |
| Net operating income to assets | 0.9814% | 2,400 |
| Return on assets (ROA) | 0.9750% | 2,516 |
| Pretax return on assets | 1.5258% | 1,460 |
| Return on Equity (ROE) | 11.2216% | 1,656 |
| Retained earnings to average equity (ytd only) | 11.2216% | 508 |
| Net charge-offs to loans | 0.0765% | 2,929 |
| Credit loss provision to net charge-offs | 177.0244% | 1,292 |
| Earnings coverage of net charge-offs (x) | 22.7114% | 1,500 |
| Efficiency ratio | 56.9424% | 5,662 |
| Assets per employee ($millions) | 12.5003% | 120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7089% | 6,159 |
| Loan loss allowance to noncurrent loans | 196.5485% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 4,988 |
| Noncurrent loans to loans | 0.3607% | 4,915 |
| Net loans and leases to total assets | 94.3572% | 6 |
| Net loans and leases to deposits | 117.1826% | 111 |
| Net loans and leases to core deposits | 148.2362% | 106 |
| Total domestic deposits to total assets | 77.9916% | 5,633 |
| Equity capital to assets | 9.0307% | 5,263 |
| Core capital (leverage) ratio | 9.7153% | 4,014 |
| Tier 1 risk-based capital ratio | 8.0754% | 6,567 |
| Total risk-based capital ratio | 10.5787% | 6,499 |
| Memoranda: | ||
| Average total assets | $12,456,353,670 | 100 |
| Average earning assets | $12,028,431,670 | 96 |
| Average equity | $1,082,285,000 | 124 |
| Average total loans | $11,913,498,670 | 74 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0619% | 3,431 |
| Cost of funding earning assets | 0.3471% | 4,567 |
| Net interest margin | 3.7148% | 2,809 |
| Noninterest income to average assets | 0.3356% | 4,692 |
| Noninterest expense to average assets | 2.2997% | 5,192 |
| Loan and lease loss provision to assets | 0.1580% | 1,540 |
| Net operating income to assets | 0.9367% | 2,472 |
| Return on assets (ROA) | 0.9304% | 2,577 |
| Pretax return on assets | 1.4600% | 1,549 |
| Return on Equity (ROE) | 10.9524% | 1,699 |
| Retained earnings to average equity (ytd only) | 10.9524% | 752 |
| Net charge-offs to loans | 0.0727% | 2,422 |
| Credit loss provision to net charge-offs | 226.4423% | 956 |
| Earnings coverage of net charge-offs (x) | 23.2755% | 1,218 |
| Efficiency ratio | 58.4596% | 5,604 |
| Assets per employee ($millions) | 11.4711% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7768% | 6,149 |
| Loan loss allowance to noncurrent loans | 176.6419% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.4408% | 4,813 |
| Noncurrent loans to loans | 0.4398% | 4,826 |
| Net loans and leases to total assets | 94.9718% | 2 |
| Net loans and leases to deposits | 116.8831% | 91 |
| Net loans and leases to core deposits | 144.2897% | 112 |
| Total domestic deposits to total assets | 78.0280% | 5,834 |
| Equity capital to assets | 8.4634% | 5,684 |
| Core capital (leverage) ratio | 8.8242% | 5,240 |
| Tier 1 risk-based capital ratio | 7.5111% | 6,639 |
| Total risk-based capital ratio | 11.4759% | 6,380 |
| Memoranda: | ||
| Average total assets | $11,921,854,500 | 100 |
| Average earning assets | $11,516,601,500 | 98 |
| Average equity | $1,012,707,500 | 130 |
| Average total loans | $11,443,618,500 | 76 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2923% | 2,987 |
| Cost of funding earning assets | 0.2466% | 5,985 |
| Net interest margin | 4.0456% | 1,819 |
| Noninterest income to average assets | 0.3848% | 4,554 |
| Noninterest expense to average assets | 2.3333% | 5,277 |
| Loan and lease loss provision to assets | 0.1682% | 2,177 |
| Net operating income to assets | 1.1464% | 1,770 |
| Return on assets (ROA) | 1.1400% | 1,858 |
| Pretax return on assets | 1.7688% | 819 |
| Return on Equity (ROE) | 13.3038% | 1,109 |
| Retained earnings to average equity (ytd only) | 13.3038% | 230 |
| Net charge-offs to loans | 0.0477% | 4,557 |
| Credit loss provision to net charge-offs | 370.8452% | 620 |
| Earnings coverage of net charge-offs (x) | 42.8599% | 890 |
| Efficiency ratio | 54.4158% | 6,099 |
| Assets per employee ($millions) | 11.4890% | 154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7773% | 6,218 |
| Loan loss allowance to noncurrent loans | 210.0815% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.3998% | 5,052 |
| Noncurrent loans to loans | 0.3700% | 5,080 |
| Net loans and leases to total assets | 95.5236% | 3 |
| Net loans and leases to deposits | 120.1859% | 66 |
| Net loans and leases to core deposits | 148.8979% | 102 |
| Total domestic deposits to total assets | 76.6585% | 6,034 |
| Equity capital to assets | 8.5268% | 5,553 |
| Core capital (leverage) ratio | 8.9617% | 5,059 |
| Tier 1 risk-based capital ratio | 7.5478% | 6,709 |
| Total risk-based capital ratio | 10.2724% | 6,648 |
| Memoranda: | ||
| Average total assets | $10,802,071,200 | 106 |
| Average earning assets | $10,391,786,600 | 101 |
| Average equity | $925,630,800 | 133 |
| Average total loans | $10,278,604,200 | 76 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3001% | 2,995 |
| Cost of funding earning assets | 0.2388% | 6,166 |
| Net interest margin | 4.0613% | 1,752 |
| Noninterest income to average assets | 0.3939% | 4,576 |
| Noninterest expense to average assets | 2.3092% | 5,306 |
| Loan and lease loss provision to assets | 0.1677% | 2,164 |
| Net operating income to assets | 1.1772% | 1,710 |
| Return on assets (ROA) | 1.1708% | 1,808 |
| Pretax return on assets | 1.8133% | 874 |
| Return on Equity (ROE) | 13.6450% | 1,086 |
| Retained earnings to average equity (ytd only) | 13.6450% | 283 |
| Net charge-offs to loans | 0.0483% | 4,214 |
| Credit loss provision to net charge-offs | 366.3636% | 720 |
| Earnings coverage of net charge-offs (x) | 43.4259% | 954 |
| Efficiency ratio | 53.6038% | 6,135 |
| Assets per employee ($millions) | 11.0088% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8145% | 6,253 |
| Loan loss allowance to noncurrent loans | 194.2538% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.5195% | 4,881 |
| Noncurrent loans to loans | 0.4193% | 5,147 |
| Net loans and leases to total assets | 94.8195% | 4 |
| Net loans and leases to deposits | 113.1239% | 121 |
| Net loans and leases to core deposits | 142.3265% | 116 |
| Total domestic deposits to total assets | 80.3815% | 5,394 |
| Equity capital to assets | 8.9625% | 5,230 |
| Core capital (leverage) ratio | 8.8809% | 5,279 |
| Tier 1 risk-based capital ratio | 7.9141% | 6,769 |
| Total risk-based capital ratio | 10.4169% | 6,707 |
| Memoranda: | ||
| Average total assets | $10,575,756,000 | 107 |
| Average earning assets | $10,162,757,250 | 103 |
| Average equity | $907,472,250 | 135 |
| Average total loans | $10,030,538,250 | 78 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2045% | 3,352 |
| Cost of funding earning assets | 0.2143% | 6,409 |
| Net interest margin | 3.9902% | 1,896 |
| Noninterest income to average assets | 0.4037% | 4,497 |
| Noninterest expense to average assets | 2.3225% | 5,294 |
| Loan and lease loss provision to assets | 0.1651% | 2,262 |
| Net operating income to assets | 1.1362% | 1,786 |
| Return on assets (ROA) | 1.1303% | 1,929 |
| Pretax return on assets | 1.7437% | 1,028 |
| Return on Equity (ROE) | 13.3759% | 1,152 |
| Retained earnings to average equity (ytd only) | 13.3759% | 343 |
| Net charge-offs to loans | 0.0721% | 3,680 |
| Credit loss provision to net charge-offs | 242.0201% | 1,040 |
| Earnings coverage of net charge-offs (x) | 28.0605% | 1,199 |
| Efficiency ratio | 54.6734% | 6,086 |
| Assets per employee ($millions) | 11.7687% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7675% | 6,409 |
| Loan loss allowance to noncurrent loans | 172.3623% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.5391% | 4,915 |
| Noncurrent loans to loans | 0.4453% | 5,149 |
| Net loans and leases to total assets | 93.6300% | 8 |
| Net loans and leases to deposits | 127.2600% | 46 |
| Net loans and leases to core deposits | 137.2301% | 146 |
| Total domestic deposits to total assets | 70.3923% | 6,643 |
| Equity capital to assets | 8.5036% | 5,760 |
| Core capital (leverage) ratio | 9.0084% | 4,975 |
| Tier 1 risk-based capital ratio | 7.7838% | 6,807 |
| Total risk-based capital ratio | 10.2974% | 6,761 |
| Memoranda: | ||
| Average total assets | $10,504,805,330 | 106 |
| Average earning assets | $10,092,240,330 | 102 |
| Average equity | $887,653,000 | 136 |
| Average total loans | $9,936,148,000 | 78 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2454% | 3,132 |
| Cost of funding earning assets | 0.1965% | 6,588 |
| Net interest margin | 4.0489% | 1,620 |
| Noninterest income to average assets | 0.4211% | 4,306 |
| Noninterest expense to average assets | 2.1319% | 5,840 |
| Loan and lease loss provision to assets | 0.0731% | 3,409 |
| Net operating income to assets | 1.3496% | 1,156 |
| Return on assets (ROA) | 1.3440% | 1,260 |
| Pretax return on assets | 2.0934% | 502 |
| Return on Equity (ROE) | 15.9598% | 612 |
| Retained earnings to average equity (ytd only) | 15.9598% | 279 |
| Net charge-offs to loans | 0.0500% | 3,328 |
| Credit loss provision to net charge-offs | 154.4408% | 1,338 |
| Earnings coverage of net charge-offs (x) | 45.8734% | 716 |
| Efficiency ratio | 49.3997% | 6,536 |
| Assets per employee ($millions) | 11.2011% | 165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7896% | 6,474 |
| Loan loss allowance to noncurrent loans | 133.8378% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.7037% | 4,618 |
| Noncurrent loans to loans | 0.5900% | 4,960 |
| Net loans and leases to total assets | 94.1013% | 6 |
| Net loans and leases to deposits | 119.2340% | 70 |
| Net loans and leases to core deposits | 129.3430% | 180 |
| Total domestic deposits to total assets | 75.1436% | 6,442 |
| Equity capital to assets | 9.0634% | 5,415 |
| Core capital (leverage) ratio | 9.1158% | 4,700 |
| Tier 1 risk-based capital ratio | 8.2061% | 6,855 |
| Total risk-based capital ratio | 10.2826% | 6,809 |
| Memoranda: | ||
| Average total assets | $10,272,981,500 | 108 |
| Average earning assets | $9,851,523,500 | 106 |
| Average equity | $865,121,500 | 141 |
| Average total loans | $9,729,625,500 | 79 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5228% | 3,310 |
| Cost of funding earning assets | 0.2053% | 6,826 |
| Net interest margin | 4.3175% | 1,363 |
| Noninterest income to average assets | 0.3739% | 4,804 |
| Noninterest expense to average assets | 2.2758% | 5,751 |
| Loan and lease loss provision to assets | 0.1093% | 4,260 |
| Net operating income to assets | 1.3571% | 1,185 |
| Return on assets (ROA) | 1.3513% | 1,320 |
| Pretax return on assets | 2.1114% | 481 |
| Return on Equity (ROE) | 16.5096% | 595 |
| Retained earnings to average equity (ytd only) | 16.5096% | 107 |
| Net charge-offs to loans | 0.0694% | 4,989 |
| Credit loss provision to net charge-offs | 166.6612% | 1,603 |
| Earnings coverage of net charge-offs (x) | 33.9451% | 918 |
| Efficiency ratio | 50.4047% | 6,567 |
| Assets per employee ($millions) | 11.9820% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7463% | 6,573 |
| Loan loss allowance to noncurrent loans | 124.9210% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.7168% | 4,685 |
| Noncurrent loans to loans | 0.5974% | 5,026 |
| Net loans and leases to total assets | 93.8724% | 9 |
| Net loans and leases to deposits | 130.3950% | 41 |
| Net loans and leases to core deposits | 141.7362% | 124 |
| Total domestic deposits to total assets | 68.8641% | 6,829 |
| Equity capital to assets | 7.8108% | 6,494 |
| Core capital (leverage) ratio | 8.1551% | 6,036 |
| Tier 1 risk-based capital ratio | 7.1676% | 6,947 |
| Total risk-based capital ratio | 8.4956% | 6,942 |
| Memoranda: | ||
| Average total assets | $9,246,632,200 | 120 |
| Average earning assets | $8,841,801,000 | 113 |
| Average equity | $756,833,600 | 149 |
| Average total loans | $8,734,620,200 | 84 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5602% | 3,384 |
| Cost of funding earning assets | 0.2065% | 6,934 |
| Net interest margin | 4.3536% | 1,338 |
| Noninterest income to average assets | 0.3440% | 5,059 |
| Noninterest expense to average assets | 2.2674% | 5,782 |
| Loan and lease loss provision to assets | 0.0899% | 4,481 |
| Net operating income to assets | 1.3805% | 1,266 |
| Return on assets (ROA) | 1.3746% | 1,416 |
| Pretax return on assets | 2.1426% | 532 |
| Return on Equity (ROE) | 16.5711% | 658 |
| Retained earnings to average equity (ytd only) | 16.5711% | 167 |
| Net charge-offs to loans | 0.0410% | 5,075 |
| Credit loss provision to net charge-offs | 232.1759% | 1,193 |
| Earnings coverage of net charge-offs (x) | 57.8079% | 673 |
| Efficiency ratio | 50.1739% | 6,577 |
| Assets per employee ($millions) | 11.3207% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7869% | 6,628 |
| Loan loss allowance to noncurrent loans | 121.0585% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.8102% | 4,679 |
| Noncurrent loans to loans | 0.6501% | 5,146 |
| Net loans and leases to total assets | 94.1517% | 12 |
| Net loans and leases to deposits | 135.0605% | 35 |
| Net loans and leases to core deposits | 153.2398% | 103 |
| Total domestic deposits to total assets | 65.3356% | 6,990 |
| Equity capital to assets | 7.9966% | 6,590 |
| Core capital (leverage) ratio | 8.3006% | 6,007 |
| Tier 1 risk-based capital ratio | 8.9308% | 6,946 |
| Total risk-based capital ratio | 10.4147% | 6,930 |
| Memoranda: | ||
| Average total assets | $8,925,256,500 | 121 |
| Average earning assets | $8,531,907,250 | 115 |
| Average equity | $740,380,500 | 152 |
| Average total loans | $8,427,998,000 | 87 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6091% | 3,320 |
| Cost of funding earning assets | 0.2090% | 7,014 |
| Net interest margin | 4.4001% | 1,196 |
| Noninterest income to average assets | 0.3004% | 5,405 |
| Noninterest expense to average assets | 2.2960% | 5,752 |
| Loan and lease loss provision to assets | 0.0806% | 4,590 |
| Net operating income to assets | 1.3675% | 1,266 |
| Return on assets (ROA) | 1.3618% | 1,438 |
| Pretax return on assets | 2.1199% | 561 |
| Return on Equity (ROE) | 16.1938% | 739 |
| Retained earnings to average equity (ytd only) | 16.1938% | 213 |
| Net charge-offs to loans | 0.0335% | 4,909 |
| Credit loss provision to net charge-offs | 254.9596% | 1,125 |
| Earnings coverage of net charge-offs (x) | 69.7818% | 568 |
| Efficiency ratio | 50.8444% | 6,585 |
| Assets per employee ($millions) | 10.8427% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8377% | 6,592 |
| Loan loss allowance to noncurrent loans | 118.9799% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.9708% | 4,433 |
| Noncurrent loans to loans | 0.7041% | 5,101 |
| Net loans and leases to total assets | 93.7670% | 10 |
| Net loans and leases to deposits | 128.4232% | 45 |
| Net loans and leases to core deposits | 151.5380% | 102 |
| Total domestic deposits to total assets | 68.5284% | 6,974 |
| Equity capital to assets | 8.2617% | 6,407 |
| Core capital (leverage) ratio | 8.6019% | 5,517 |
| Tier 1 risk-based capital ratio | 9.0999% | 6,972 |
| Total risk-based capital ratio | 10.3130% | 6,976 |
| Memoranda: | ||
| Average total assets | $8,609,804,330 | 123 |
| Average earning assets | $8,221,692,000 | 119 |
| Average equity | $724,043,670 | 153 |
| Average total loans | $8,114,659,000 | 90 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6911% | 3,086 |
| Cost of funding earning assets | 0.2105% | 7,088 |
| Net interest margin | 4.4807% | 1,049 |
| Noninterest income to average assets | 0.2936% | 5,517 |
| Noninterest expense to average assets | 2.3494% | 5,626 |
| Loan and lease loss provision to assets | 0.1210% | 3,830 |
| Net operating income to assets | 1.3516% | 1,317 |
| Return on assets (ROA) | 1.3460% | 1,492 |
| Pretax return on assets | 2.0945% | 645 |
| Return on Equity (ROE) | 15.8529% | 825 |
| Retained earnings to average equity (ytd only) | 15.8529% | 376 |
| Net charge-offs to loans | 0.0422% | 4,105 |
| Credit loss provision to net charge-offs | 304.9517% | 964 |
| Earnings coverage of net charge-offs (x) | 55.9601% | 579 |
| Efficiency ratio | 51.2475% | 6,598 |
| Assets per employee ($millions) | 10.4852% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8945% | 6,549 |
| Loan loss allowance to noncurrent loans | 128.3257% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 1.0367% | 4,421 |
| Noncurrent loans to loans | 0.6971% | 5,271 |
| Net loans and leases to total assets | 93.2222% | 11 |
| Net loans and leases to deposits | 131.3501% | 43 |
| Net loans and leases to core deposits | 164.5656% | 77 |
| Total domestic deposits to total assets | 66.1804% | 7,106 |
| Equity capital to assets | 8.4551% | 6,123 |
| Core capital (leverage) ratio | 8.5320% | 5,541 |
| Tier 1 risk-based capital ratio | 9.0237% | 7,024 |
| Total risk-based capital ratio | 10.1472% | 7,045 |
| Memoranda: | ||
| Average total assets | $8,344,490,500 | 125 |
| Average earning assets | $7,965,065,000 | 120 |
| Average equity | $708,489,000 | 152 |
| Average total loans | $7,850,432,500 | 91 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8300% | 3,667 |
| Cost of funding earning assets | 0.2410% | 7,187 |
| Net interest margin | 4.5890% | 943 |
| Noninterest income to average assets | 0.3489% | 5,018 |
| Noninterest expense to average assets | 2.5526% | 5,278 |
| Loan and lease loss provision to assets | 0.3987% | 2,603 |
| Net operating income to assets | 1.1401% | 1,696 |
| Return on assets (ROA) | 1.1347% | 1,829 |
| Pretax return on assets | 1.7653% | 866 |
| Return on Equity (ROE) | 13.0467% | 1,154 |
| Retained earnings to average equity (ytd only) | 13.0467% | 221 |
| Net charge-offs to loans | 0.4473% | 3,196 |
| Credit loss provision to net charge-offs | 95.8352% | 3,766 |
| Earnings coverage of net charge-offs (x) | 5.2146% | 2,866 |
| Efficiency ratio | 53.9111% | 6,521 |
| Assets per employee ($millions) | 10.3870% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9185% | 6,492 |
| Loan loss allowance to noncurrent loans | 117.0666% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 1.1573% | 4,299 |
| Noncurrent loans to loans | 0.7846% | 5,116 |
| Net loans and leases to total assets | 93.2313% | 12 |
| Net loans and leases to deposits | 135.9517% | 44 |
| Net loans and leases to core deposits | 168.6594% | 96 |
| Total domestic deposits to total assets | 62.6716% | 7,195 |
| Equity capital to assets | 8.5277% | 6,110 |
| Core capital (leverage) ratio | 8.3746% | 5,746 |
| Tier 1 risk-based capital ratio | 7.9895% | 7,110 |
| Total risk-based capital ratio | 8.8595% | 7,128 |
| Memoranda: | ||
| Average total assets | $7,006,630,400 | 137 |
| Average earning assets | $6,676,966,200 | 134 |
| Average equity | $609,356,600 | 166 |
| Average total loans | $6,516,350,000 | 101 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7702% | 4,141 |
| Cost of funding earning assets | 0.2484% | 7,278 |
| Net interest margin | 4.5218% | 1,094 |
| Noninterest income to average assets | 0.3328% | 5,197 |
| Noninterest expense to average assets | 2.5792% | 5,156 |
| Loan and lease loss provision to assets | 0.4386% | 2,281 |
| Net operating income to assets | 1.0553% | 2,121 |
| Return on assets (ROA) | 1.0501% | 2,284 |
| Pretax return on assets | 1.6193% | 1,332 |
| Return on Equity (ROE) | 12.0037% | 1,551 |
| Retained earnings to average equity (ytd only) | 12.0037% | 498 |
| Net charge-offs to loans | 0.5506% | 2,587 |
| Credit loss provision to net charge-offs | 85.9646% | 3,924 |
| Earnings coverage of net charge-offs (x) | 4.0434% | 3,199 |
| Efficiency ratio | 55.4233% | 6,348 |
| Assets per employee ($millions) | 9.8606% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9414% | 6,481 |
| Loan loss allowance to noncurrent loans | 97.3894% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 1.3701% | 4,084 |
| Noncurrent loans to loans | 0.9666% | 4,953 |
| Net loans and leases to total assets | 92.7743% | 17 |
| Net loans and leases to deposits | 129.4487% | 51 |
| Net loans and leases to core deposits | 156.6273% | 120 |
| Total domestic deposits to total assets | 63.6134% | 7,251 |
| Equity capital to assets | 8.5040% | 6,291 |
| Core capital (leverage) ratio | 9.1632% | 4,685 |
| Tier 1 risk-based capital ratio | 9.0481% | 7,108 |
| Total risk-based capital ratio | 10.0581% | 7,138 |
| Memoranda: | ||
| Average total assets | $6,725,025,500 | 144 |
| Average earning assets | $6,409,140,250 | 139 |
| Average equity | $588,304,250 | 172 |
| Average total loans | $6,232,226,250 | 103 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7780% | 4,185 |
| Cost of funding earning assets | 0.2788% | 7,337 |
| Net interest margin | 4.4993% | 1,131 |
| Noninterest income to average assets | 0.3469% | 5,107 |
| Noninterest expense to average assets | 2.6770% | 4,910 |
| Loan and lease loss provision to assets | 0.4913% | 2,004 |
| Net operating income to assets | 0.9576% | 2,406 |
| Return on assets (ROA) | 0.9530% | 2,519 |
| Pretax return on assets | 1.4655% | 1,629 |
| Return on Equity (ROE) | 10.7740% | 1,878 |
| Retained earnings to average equity (ytd only) | 10.7740% | 710 |
| Net charge-offs to loans | 0.6598% | 2,193 |
| Credit loss provision to net charge-offs | 80.6950% | 3,750 |
| Earnings coverage of net charge-offs (x) | 3.2212% | 3,260 |
| Efficiency ratio | 57.5992% | 6,216 |
| Assets per employee ($millions) | 8.7988% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0776% | 6,047 |
| Loan loss allowance to noncurrent loans | 76.7979% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.7227% | 3,614 |
| Noncurrent loans to loans | 1.4031% | 4,311 |
| Net loans and leases to total assets | 92.7605% | 17 |
| Net loans and leases to deposits | 113.3918% | 139 |
| Net loans and leases to core deposits | 140.2970% | 187 |
| Total domestic deposits to total assets | 70.7315% | 7,073 |
| Equity capital to assets | 8.9625% | 5,638 |
| Core capital (leverage) ratio | 9.3571% | 4,163 |
| Tier 1 risk-based capital ratio | 9.0166% | 7,176 |
| Total risk-based capital ratio | 10.1060% | 7,192 |
| Memoranda: | ||
| Average total assets | $6,399,665,670 | 150 |
| Average earning assets | $6,103,979,000 | 143 |
| Average equity | $566,105,670 | 181 |
| Average total loans | $5,905,453,000 | 108 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7189% | 4,437 |
| Cost of funding earning assets | 0.3343% | 7,342 |
| Net interest margin | 4.3846% | 1,325 |
| Noninterest income to average assets | 0.2655% | 5,773 |
| Noninterest expense to average assets | 2.7042% | 4,819 |
| Loan and lease loss provision to assets | 0.4924% | 1,779 |
| Net operating income to assets | 0.8184% | 2,935 |
| Return on assets (ROA) | 0.8143% | 3,017 |
| Pretax return on assets | 1.2465% | 2,203 |
| Return on Equity (ROE) | 9.2706% | 2,356 |
| Retained earnings to average equity (ytd only) | 9.2706% | 1,298 |
| Net charge-offs to loans | 0.6265% | 1,950 |
| Credit loss provision to net charge-offs | 85.9122% | 3,021 |
| Earnings coverage of net charge-offs (x) | 3.0412% | 2,869 |
| Efficiency ratio | 60.6902% | 5,878 |
| Assets per employee ($millions) | 8.6157% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 5,285 |
| Loan loss allowance to noncurrent loans | 59.0285% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 2.3969% | 2,843 |
| Noncurrent loans to loans | 2.1546% | 3,379 |
| Net loans and leases to total assets | 90.0313% | 41 |
| Net loans and leases to deposits | 102.6720% | 363 |
| Net loans and leases to core deposits | 118.5992% | 456 |
| Total domestic deposits to total assets | 82.5381% | 5,094 |
| Equity capital to assets | 9.1805% | 4,903 |
| Core capital (leverage) ratio | 8.7038% | 5,082 |
| Tier 1 risk-based capital ratio | 9.4811% | 7,147 |
| Total risk-based capital ratio | 10.7316% | 7,154 |
| Memoranda: | ||
| Average total assets | $6,247,170,500 | 153 |
| Average earning assets | $5,958,135,000 | 148 |
| Average equity | $548,704,500 | 183 |
| Average total loans | $5,714,670,500 | 112 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9221% | 4,913 |
| Cost of funding earning assets | 0.6048% | 7,117 |
| Net interest margin | 4.3173% | 1,763 |
| Noninterest income to average assets | 0.3833% | 5,034 |
| Noninterest expense to average assets | 2.5277% | 5,692 |
| Loan and lease loss provision to assets | 0.9120% | 1,795 |
| Net operating income to assets | 0.6964% | 3,239 |
| Return on assets (ROA) | 0.6859% | 3,406 |
| Pretax return on assets | 1.0461% | 2,787 |
| Return on Equity (ROE) | 7.8442% | 2,758 |
| Retained earnings to average equity (ytd only) | 7.8442% | 1,028 |
| Net charge-offs to loans | 0.9289% | 2,325 |
| Credit loss provision to net charge-offs | 107.0194% | 4,153 |
| Earnings coverage of net charge-offs (x) | 2.3100% | 3,991 |
| Efficiency ratio | 56.0985% | 6,584 |
| Assets per employee ($millions) | 9.2626% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 5,456 |
| Loan loss allowance to noncurrent loans | 60.1948% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 2.5019% | 2,770 |
| Noncurrent loans to loans | 2.0114% | 3,546 |
| Net loans and leases to total assets | 90.6335% | 42 |
| Net loans and leases to deposits | 105.2384% | 351 |
| Net loans and leases to core deposits | 128.6337% | 350 |
| Total domestic deposits to total assets | 78.9928% | 6,080 |
| Equity capital to assets | 8.4095% | 5,982 |
| Core capital (leverage) ratio | 7.9040% | 6,311 |
| Tier 1 risk-based capital ratio | 8.9374% | 7,258 |
| Total risk-based capital ratio | 10.1834% | 7,260 |
| Memoranda: | ||
| Average total assets | $5,981,608,600 | 153 |
| Average earning assets | $5,698,632,000 | 149 |
| Average equity | $523,010,800 | 183 |
| Average total loans | $5,487,488,000 | 115 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8869% | 5,323 |
| Cost of funding earning assets | 0.6168% | 7,258 |
| Net interest margin | 4.2701% | 1,952 |
| Noninterest income to average assets | 0.3688% | 5,203 |
| Noninterest expense to average assets | 2.5051% | 5,705 |
| Loan and lease loss provision to assets | 0.9469% | 1,583 |
| Net operating income to assets | 0.6528% | 3,630 |
| Return on assets (ROA) | 0.6399% | 3,869 |
| Pretax return on assets | 0.9728% | 3,279 |
| Return on Equity (ROE) | 7.2420% | 3,232 |
| Retained earnings to average equity (ytd only) | 7.2420% | 1,733 |
| Net charge-offs to loans | 0.8408% | 2,349 |
| Credit loss provision to net charge-offs | 122.7531% | 3,345 |
| Earnings coverage of net charge-offs (x) | 2.5053% | 3,916 |
| Efficiency ratio | 56.3273% | 6,508 |
| Assets per employee ($millions) | 9.3090% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2860% | 5,037 |
| Loan loss allowance to noncurrent loans | 58.4290% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 2.6560% | 2,723 |
| Noncurrent loans to loans | 2.2010% | 3,445 |
| Net loans and leases to total assets | 91.7414% | 32 |
| Net loans and leases to deposits | 105.6532% | 377 |
| Net loans and leases to core deposits | 134.1023% | 322 |
| Total domestic deposits to total assets | 79.7160% | 5,799 |
| Equity capital to assets | 8.3478% | 6,454 |
| Core capital (leverage) ratio | 8.4068% | 5,687 |
| Tier 1 risk-based capital ratio | 8.9806% | 7,367 |
| Total risk-based capital ratio | 10.2338% | 7,386 |
| Memoranda: | ||
| Average total assets | $5,867,639,250 | 152 |
| Average earning assets | $5,591,119,250 | 149 |
| Average equity | $518,423,750 | 183 |
| Average total loans | $5,382,852,750 | 116 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8623% | 5,568 |
| Cost of funding earning assets | 0.6195% | 7,365 |
| Net interest margin | 4.2428% | 2,004 |
| Noninterest income to average assets | 0.5066% | 4,060 |
| Noninterest expense to average assets | 2.5878% | 5,366 |
| Loan and lease loss provision to assets | 1.0075% | 1,442 |
| Net operating income to assets | 0.6316% | 3,729 |
| Return on assets (ROA) | 0.6166% | 3,937 |
| Pretax return on assets | 0.9337% | 3,371 |
| Return on Equity (ROE) | 6.8396% | 3,377 |
| Retained earnings to average equity (ytd only) | 6.8396% | 1,910 |
| Net charge-offs to loans | 0.8371% | 2,163 |
| Credit loss provision to net charge-offs | 131.8325% | 3,055 |
| Earnings coverage of net charge-offs (x) | 2.5597% | 3,720 |
| Efficiency ratio | 56.8253% | 6,531 |
| Assets per employee ($millions) | 8.8420% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 4,574 |
| Loan loss allowance to noncurrent loans | 49.1994% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 3.2648% | 2,159 |
| Noncurrent loans to loans | 2.7872% | 2,868 |
| Net loans and leases to total assets | 90.5053% | 59 |
| Net loans and leases to deposits | 107.3530% | 338 |
| Net loans and leases to core deposits | 133.0664% | 378 |
| Total domestic deposits to total assets | 77.4036% | 6,412 |
| Equity capital to assets | 8.8378% | 5,694 |
| Core capital (leverage) ratio | 8.9635% | 4,665 |
| Tier 1 risk-based capital ratio | 9.2560% | 7,356 |
| Total risk-based capital ratio | 10.5100% | 7,353 |
| Memoranda: | ||
| Average total assets | $5,713,481,670 | 155 |
| Average earning assets | $5,437,001,330 | 151 |
| Average equity | $515,089,000 | 182 |
| Average total loans | $5,216,140,000 | 122 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8451% | 5,702 |
| Cost of funding earning assets | 0.6144% | 7,518 |
| Net interest margin | 4.2307% | 1,925 |
| Noninterest income to average assets | 0.4802% | 4,198 |
| Noninterest expense to average assets | 2.6312% | 5,225 |
| Loan and lease loss provision to assets | 0.9333% | 1,353 |
| Net operating income to assets | 0.6266% | 3,771 |
| Return on assets (ROA) | 0.6116% | 3,993 |
| Pretax return on assets | 0.9247% | 3,370 |
| Return on Equity (ROE) | 6.7132% | 3,501 |
| Retained earnings to average equity (ytd only) | 6.7132% | 2,264 |
| Net charge-offs to loans | 0.7287% | 2,045 |
| Credit loss provision to net charge-offs | 140.6681% | 2,519 |
| Earnings coverage of net charge-offs (x) | 2.8231% | 3,136 |
| Efficiency ratio | 58.2880% | 6,443 |
| Assets per employee ($millions) | 8.4807% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 4,302 |
| Loan loss allowance to noncurrent loans | 60.6052% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 2.6782% | 2,722 |
| Noncurrent loans to loans | 2.3492% | 3,333 |
| Net loans and leases to total assets | 90.3430% | 61 |
| Net loans and leases to deposits | 110.3987% | 279 |
| Net loans and leases to core deposits | 139.6945% | 331 |
| Total domestic deposits to total assets | 75.5788% | 6,821 |
| Equity capital to assets | 9.3684% | 4,726 |
| Core capital (leverage) ratio | 9.2169% | 4,193 |
| Tier 1 risk-based capital ratio | 9.4893% | 7,311 |
| Total risk-based capital ratio | 10.7428% | 7,303 |
| Memoranda: | ||
| Average total assets | $5,594,883,500 | 159 |
| Average earning assets | $5,321,533,500 | 153 |
| Average equity | $509,679,500 | 183 |
| Average total loans | $5,093,929,000 | 124 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8451% | 6,851 |
| Cost of funding earning assets | 0.8370% | 7,501 |
| Net interest margin | 4.0081% | 2,821 |
| Noninterest income to average assets | 0.5312% | 4,169 |
| Noninterest expense to average assets | 2.7020% | 5,379 |
| Loan and lease loss provision to assets | 0.8230% | 2,666 |
| Net operating income to assets | 0.5465% | 3,543 |
| Return on assets (ROA) | 0.5351% | 3,681 |
| Pretax return on assets | 0.8102% | 3,209 |
| Return on Equity (ROE) | 5.8174% | 3,290 |
| Retained earnings to average equity (ytd only) | 5.8174% | 1,421 |
| Net charge-offs to loans | 0.4101% | 4,176 |
| Credit loss provision to net charge-offs | 223.5814% | 1,679 |
| Earnings coverage of net charge-offs (x) | 4.4680% | 2,940 |
| Efficiency ratio | 62.0807% | 6,141 |
| Assets per employee ($millions) | 9.0963% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 4,655 |
| Loan loss allowance to noncurrent loans | 66.5814% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 2.2705% | 3,043 |
| Noncurrent loans to loans | 1.9806% | 3,671 |
| Net loans and leases to total assets | 89.2727% | 119 |
| Net loans and leases to deposits | 121.0124% | 163 |
| Net loans and leases to core deposits | 175.1122% | 197 |
| Total domestic deposits to total assets | 67.0267% | 7,598 |
| Equity capital to assets | 8.8602% | 5,339 |
| Core capital (leverage) ratio | 8.9503% | 4,507 |
| Tier 1 risk-based capital ratio | 9.1137% | 7,418 |
| Total risk-based capital ratio | 10.3657% | 7,437 |
| Memoranda: | ||
| Average total assets | $5,285,664,000 | 164 |
| Average earning assets | $5,031,531,000 | 156 |
| Average equity | $486,196,400 | 186 |
| Average total loans | $4,744,087,000 | 130 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8214% | 7,075 |
| Cost of funding earning assets | 0.8915% | 7,575 |
| Net interest margin | 3.9300% | 3,123 |
| Noninterest income to average assets | 0.5281% | 4,252 |
| Noninterest expense to average assets | 2.5880% | 5,754 |
| Loan and lease loss provision to assets | 0.8488% | 2,256 |
| Net operating income to assets | 0.5530% | 3,781 |
| Return on assets (ROA) | 0.5407% | 3,914 |
| Pretax return on assets | 0.8213% | 3,472 |
| Return on Equity (ROE) | 5.8192% | 3,597 |
| Retained earnings to average equity (ytd only) | 5.8192% | 2,033 |
| Net charge-offs to loans | 0.3293% | 3,990 |
| Credit loss provision to net charge-offs | 287.7823% | 1,445 |
| Earnings coverage of net charge-offs (x) | 5.7047% | 2,749 |
| Efficiency ratio | 60.5264% | 6,345 |
| Assets per employee ($millions) | 9.0567% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3596% | 4,161 |
| Loan loss allowance to noncurrent loans | 70.9414% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 2.4014% | 2,868 |
| Noncurrent loans to loans | 1.9166% | 3,749 |
| Net loans and leases to total assets | 89.9716% | 120 |
| Net loans and leases to deposits | 119.4697% | 216 |
| Net loans and leases to core deposits | 194.5281% | 118 |
| Total domestic deposits to total assets | 67.8879% | 7,589 |
| Equity capital to assets | 9.3505% | 4,955 |
| Core capital (leverage) ratio | 9.0943% | 4,500 |
| Tier 1 risk-based capital ratio | 9.4832% | 7,387 |
| Total risk-based capital ratio | 10.7360% | 7,344 |
| Memoranda: | ||
| Average total assets | $5,183,505,500 | 174 |
| Average earning assets | $4,936,204,750 | 164 |
| Average equity | $481,614,500 | 194 |
| Average total loans | $4,642,263,000 | 139 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7492% | 7,320 |
| Cost of funding earning assets | 0.9553% | 7,613 |
| Net interest margin | 3.7940% | 3,578 |
| Noninterest income to average assets | 0.5312% | 4,171 |
| Noninterest expense to average assets | 2.5118% | 6,084 |
| Loan and lease loss provision to assets | 0.7584% | 2,169 |
| Net operating income to assets | 0.5725% | 3,802 |
| Return on assets (ROA) | 0.5725% | 3,907 |
| Pretax return on assets | 0.8698% | 3,446 |
| Return on Equity (ROE) | 6.1758% | 3,569 |
| Retained earnings to average equity (ytd only) | 6.1758% | 1,937 |
| Net charge-offs to loans | 0.4127% | 3,142 |
| Credit loss provision to net charge-offs | 206.5240% | 2,211 |
| Earnings coverage of net charge-offs (x) | 4.4338% | 3,097 |
| Efficiency ratio | 60.5950% | 6,459 |
| Assets per employee ($millions) | 9.3974% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 5,325 |
| Loan loss allowance to noncurrent loans | 102.1795% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 1.5978% | 3,824 |
| Noncurrent loans to loans | 1.1170% | 4,986 |
| Net loans and leases to total assets | 88.8772% | 194 |
| Net loans and leases to deposits | 126.2606% | 145 |
| Net loans and leases to core deposits | 175.2733% | 265 |
| Total domestic deposits to total assets | 63.1530% | 7,862 |
| Equity capital to assets | 9.1950% | 5,020 |
| Core capital (leverage) ratio | 8.9165% | 4,763 |
| Tier 1 risk-based capital ratio | 9.4485% | 7,437 |
| Total risk-based capital ratio | 10.5833% | 7,504 |
| Memoranda: | ||
| Average total assets | $5,142,260,670 | 182 |
| Average earning assets | $4,891,344,330 | 173 |
| Average equity | $476,735,330 | 196 |
| Average total loans | $4,576,074,330 | 144 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6367% | 7,587 |
| Cost of funding earning assets | 1.0997% | 7,526 |
| Net interest margin | 3.5370% | 4,579 |
| Noninterest income to average assets | 0.5103% | 4,228 |
| Noninterest expense to average assets | 2.3569% | 6,348 |
| Loan and lease loss provision to assets | 0.6709% | 1,886 |
| Net operating income to assets | 0.5597% | 4,185 |
| Return on assets (ROA) | 0.5597% | 4,368 |
| Pretax return on assets | 0.8507% | 3,887 |
| Return on Equity (ROE) | 6.0111% | 4,037 |
| Retained earnings to average equity (ytd only) | 6.0111% | 2,622 |
| Net charge-offs to loans | 0.2326% | 3,246 |
| Credit loss provision to net charge-offs | 325.7953% | 1,524 |
| Earnings coverage of net charge-offs (x) | 7.3890% | 2,351 |
| Efficiency ratio | 60.6858% | 6,296 |
| Assets per employee ($millions) | 8.9046% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 5,275 |
| Loan loss allowance to noncurrent loans | 90.6470% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 1.6549% | 3,432 |
| Noncurrent loans to loans | 1.2440% | 4,481 |
| Net loans and leases to total assets | 87.8562% | 276 |
| Net loans and leases to deposits | 141.4351% | 86 |
| Net loans and leases to core deposits | 208.7605% | 120 |
| Total domestic deposits to total assets | 53.7835% | 8,073 |
| Equity capital to assets | 9.5464% | 4,613 |
| Core capital (leverage) ratio | 8.9455% | 4,801 |
| Tier 1 risk-based capital ratio | 9.6961% | 7,261 |
| Total risk-based capital ratio | 10.7968% | 7,328 |
| Memoranda: | ||
| Average total assets | $5,068,029,500 | 186 |
| Average earning assets | $4,826,060,000 | 173 |
| Average equity | $471,862,500 | 194 |
| Average total loans | $4,485,844,500 | 147 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6870% | 6,819 |
| Cost of funding earning assets | 2.0379% | 6,288 |
| Net interest margin | 3.6491% | 4,683 |
| Noninterest income to average assets | 0.4600% | 4,970 |
| Noninterest expense to average assets | 2.3385% | 6,594 |
| Loan and lease loss provision to assets | 0.5778% | 2,513 |
| Net operating income to assets | 0.6623% | 4,054 |
| Return on assets (ROA) | 0.6623% | 3,900 |
| Pretax return on assets | 1.0074% | 3,358 |
| Return on Equity (ROE) | 7.0855% | 3,486 |
| Retained earnings to average equity (ytd only) | 7.0855% | 1,126 |
| Net charge-offs to loans | 0.3166% | 3,277 |
| Credit loss provision to net charge-offs | 210.0345% | 2,296 |
| Earnings coverage of net charge-offs (x) | 5.7621% | 3,543 |
| Efficiency ratio | 59.5096% | 6,433 |
| Assets per employee ($millions) | 9.4506% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 6,028 |
| Loan loss allowance to noncurrent loans | 87.8928% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 1.5106% | 3,197 |
| Noncurrent loans to loans | 1.1407% | 4,263 |
| Net loans and leases to total assets | 87.2916% | 440 |
| Net loans and leases to deposits | 131.4334% | 194 |
| Net loans and leases to core deposits | 186.1128% | 236 |
| Total domestic deposits to total assets | 56.6709% | 8,044 |
| Equity capital to assets | 9.0806% | 5,256 |
| Core capital (leverage) ratio | 9.5600% | 3,926 |
| Tier 1 risk-based capital ratio | 9.3352% | 7,481 |
| Total risk-based capital ratio | 10.2943% | 7,732 |
| Memoranda: | ||
| Average total assets | $4,629,394,000 | 191 |
| Average earning assets | $4,394,189,200 | 184 |
| Average equity | $432,741,800 | 210 |
| Average total loans | $4,022,654,600 | 163 |