Home > The Bank of New York Mellon > Performance and Condition Ratios
The Bank of New York Mellon, 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 | 5.7303% | 897 |
| Cost of funding earning assets | 4.3451% | 36 |
| Net interest margin | 1.3852% | 4,521 |
| Noninterest income to average assets | 2.7100% | 197 |
| Noninterest expense to average assets | 2.9116% | 1,254 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.8455% | 2,722 |
| Return on assets (ROA) | 0.8283% | 2,759 |
| Pretax return on assets | 0.9775% | 2,730 |
| Return on Equity (ROE) | 10.2400% | 2,423 |
| Retained earnings to average equity (ytd only) | -1.2693% | 4,212 |
| Net charge-offs to loans | -0.0192% | 4,145 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.5067% | 1,500 |
| Assets per employee ($millions) | 7.5155% | 1,720 |
| Cash dividends to net income (ytd only)* | 112.3919% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8736% | 3,802 |
| Loan loss allowance to noncurrent loans | 128.9593% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 3,123 |
| Noncurrent loans to loans | 0.6775% | 1,157 |
| Net loans and leases to total assets | 9.7200% | 4,451 |
| Net loans and leases to deposits | 11.2623% | 4,451 |
| Net loans and leases to core deposits | 17.2824% | 4,460 |
| Total domestic deposits to total assets | 56.7900% | 4,455 |
| Equity capital to assets | 8.3078% | 3,189 |
| Core capital (leverage) ratio | 6.6516% | 4,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4074% | 1,198 |
| Memoranda: | ||
| Average total assets | $335,144,800,000 | 11 |
| Average earning assets | $298,519,800,000 | 12 |
| Average equity | $27,100,800,000 | 11 |
| Average total loans | $31,229,000,000 | 47 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3742% | 1,170 |
| Cost of funding earning assets | 4.0082% | 42 |
| Net interest margin | 1.3660% | 4,543 |
| Noninterest income to average assets | 2.7000% | 216 |
| Noninterest expense to average assets | 2.7035% | 1,646 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.9613% | 2,478 |
| Return on assets (ROA) | 0.9549% | 2,489 |
| Pretax return on assets | 1.1904% | 2,322 |
| Return on Equity (ROE) | 11.8900% | 2,154 |
| Retained earnings to average equity (ytd only) | 0.1730% | 4,081 |
| Net charge-offs to loans | -0.0043% | 3,704 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.7481% | 1,934 |
| Assets per employee ($millions) | 7.3966% | 1,698 |
| Cash dividends to net income (ytd only)* | 98.5447% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5934% | 4,277 |
| Loan loss allowance to noncurrent loans | 578.7879% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 3,750 |
| Noncurrent loans to loans | 0.1025% | 3,062 |
| Net loans and leases to total assets | 9.7400% | 4,473 |
| Net loans and leases to deposits | 11.3986% | 4,478 |
| Net loans and leases to core deposits | 17.0442% | 4,454 |
| Total domestic deposits to total assets | 57.6700% | 4,472 |
| Equity capital to assets | 8.2556% | 2,882 |
| Core capital (leverage) ratio | 6.6118% | 4,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8831% | 1,353 |
| Memoranda: | ||
| Average total assets | $335,798,750,000 | 11 |
| Average earning assets | $299,347,750,000 | 12 |
| Average equity | $26,969,500,000 | 12 |
| Average total loans | $30,880,750,000 | 48 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9428% | 1,670 |
| Cost of funding earning assets | 3.5446% | 39 |
| Net interest margin | 1.3982% | 4,586 |
| Noninterest income to average assets | 2.6500% | 193 |
| Noninterest expense to average assets | 2.6661% | 1,731 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.9755% | 2,504 |
| Return on assets (ROA) | 0.9750% | 2,495 |
| Pretax return on assets | 1.2169% | 2,315 |
| Return on Equity (ROE) | 12.2500% | 2,079 |
| Retained earnings to average equity (ytd only) | 0.4012% | 4,004 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.1074% | 1,973 |
| Assets per employee ($millions) | 7.9307% | 1,351 |
| Cash dividends to net income (ytd only)* | 96.7253% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5332% | 4,355 |
| Loan loss allowance to noncurrent loans | 450.0000% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 3,735 |
| Noncurrent loans to loans | 0.1185% | 2,882 |
| Net loans and leases to total assets | 8.6700% | 4,507 |
| Net loans and leases to deposits | 10.2350% | 4,511 |
| Net loans and leases to core deposits | 15.7016% | 4,486 |
| Total domestic deposits to total assets | 55.5600% | 4,506 |
| Equity capital to assets | 7.8046% | 3,347 |
| Core capital (leverage) ratio | 6.2333% | 4,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6674% | 1,390 |
| Memoranda: | ||
| Average total assets | $338,242,333,333 | 12 |
| Average earning assets | $301,813,333,333 | 12 |
| Average equity | $26,920,333,333 | 12 |
| Average total loans | $30,445,000,000 | 48 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2327% | 2,971 |
| Cost of funding earning assets | 2.8209% | 54 |
| Net interest margin | 1.4118% | 4,643 |
| Noninterest income to average assets | 2.6300% | 181 |
| Noninterest expense to average assets | 2.6951% | 1,690 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.9065% | 2,831 |
| Return on assets (ROA) | 0.9056% | 2,796 |
| Pretax return on assets | 1.1506% | 2,564 |
| Return on Equity (ROE) | 11.2600% | 2,424 |
| Retained earnings to average equity (ytd only) | -6.2892% | 4,379 |
| Net charge-offs to loans | -0.0131% | 3,948 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.1736% | 1,837 |
| Assets per employee ($millions) | 8.0312% | 1,323 |
| Cash dividends to net income (ytd only)* | 155.8355% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5065% | 4,430 |
| Loan loss allowance to noncurrent loans | 298.0000% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 3,687 |
| Noncurrent loans to loans | 0.1700% | 2,635 |
| Net loans and leases to total assets | 8.5700% | 4,579 |
| Net loans and leases to deposits | 10.2837% | 4,583 |
| Net loans and leases to core deposits | 15.8034% | 4,551 |
| Total domestic deposits to total assets | 54.6400% | 4,560 |
| Equity capital to assets | 7.8494% | 3,347 |
| Core capital (leverage) ratio | 6.3486% | 4,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5182% | 1,483 |
| Memoranda: | ||
| Average total assets | $333,050,500,000 | 12 |
| Average earning assets | $296,073,500,000 | 12 |
| Average equity | $26,776,000,000 | 11 |
| Average total loans | $30,475,000,000 | 50 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6999% | 4,640 |
| Cost of funding earning assets | 0.7248% | 521 |
| Net interest margin | 0.9751% | 4,679 |
| Noninterest income to average assets | 2.5200% | 202 |
| Noninterest expense to average assets | 2.5273% | 2,032 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.7036% | 3,614 |
| Return on assets (ROA) | 0.6010% | 3,835 |
| Pretax return on assets | 0.7312% | 3,792 |
| Return on Equity (ROE) | 7.9400% | 3,408 |
| Retained earnings to average equity (ytd only) | 5.6994% | 2,750 |
| Net charge-offs to loans | -0.0093% | 3,804 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.1493% | 1,205 |
| Assets per employee ($millions) | 7.6533% | 1,513 |
| Cash dividends to net income (ytd only)* | 28.1822% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4883% | 4,444 |
| Loan loss allowance to noncurrent loans | 301.9608% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 3,689 |
| Noncurrent loans to loans | 0.1617% | 2,681 |
| Net loans and leases to total assets | 9.6700% | 4,607 |
| Net loans and leases to deposits | 11.1465% | 4,609 |
| Net loans and leases to core deposits | 17.3662% | 4,576 |
| Total domestic deposits to total assets | 55.9000% | 4,595 |
| Equity capital to assets | 8.2397% | 2,905 |
| Core capital (leverage) ratio | 6.2455% | 4,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7235% | 1,427 |
| Memoranda: | ||
| Average total assets | $354,218,400,000 | 12 |
| Average earning assets | $317,613,600,000 | 12 |
| Average equity | $26,827,200,000 | 12 |
| Average total loans | $32,090,400,000 | 46 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1930% | 4,690 |
| Cost of funding earning assets | 0.3236% | 1,928 |
| Net interest margin | 0.8694% | 4,708 |
| Noninterest income to average assets | 2.4400% | 217 |
| Noninterest expense to average assets | 2.4328% | 2,219 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.6235% | 3,774 |
| Return on assets (ROA) | 0.6250% | 3,719 |
| Pretax return on assets | 0.7879% | 3,616 |
| Return on Equity (ROE) | 8.4200% | 3,194 |
| Retained earnings to average equity (ytd only) | 5.4382% | 2,943 |
| Net charge-offs to loans | -0.0124% | 3,798 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.0972% | 1,167 |
| Assets per employee ($millions) | 8.2669% | 1,186 |
| Cash dividends to net income (ytd only)* | 35.3982% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4253% | 4,529 |
| Loan loss allowance to noncurrent loans | 351.2195% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 3,843 |
| Noncurrent loans to loans | 0.1211% | 3,038 |
| Net loans and leases to total assets | 9.7800% | 4,647 |
| Net loans and leases to deposits | 11.1516% | 4,652 |
| Net loans and leases to core deposits | 17.4037% | 4,614 |
| Total domestic deposits to total assets | 56.4000% | 4,638 |
| Equity capital to assets | 7.5151% | 3,216 |
| Core capital (leverage) ratio | 5.9916% | 4,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6163% | 1,838 |
| Memoranda: | ||
| Average total assets | $361,611,500,000 | 12 |
| Average earning assets | $325,113,000,000 | 12 |
| Average equity | $26,846,500,000 | 12 |
| Average total loans | $32,229,250,000 | 48 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8571% | 4,746 |
| Cost of funding earning assets | 0.0735% | 4,436 |
| Net interest margin | 0.7836% | 4,745 |
| Noninterest income to average assets | 2.3907% | 192 |
| Noninterest expense to average assets | 2.3934% | 2,245 |
| Loan and lease loss provision to assets | 0.0278% | 2,093 |
| Net operating income to assets | 0.5417% | 3,789 |
| Return on assets (ROA) | 0.5435% | 3,739 |
| Pretax return on assets | 0.6796% | 3,629 |
| Return on Equity (ROE) | 7.3486% | 3,203 |
| Retained earnings to average equity (ytd only) | 2.9306% | 3,467 |
| Net charge-offs to loans | -0.0126% | 3,681 |
| Credit loss provision to net charge-offs | 700.0000% | 514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8893% | 1,188 |
| Assets per employee ($millions) | 8.8042% | 954 |
| Cash dividends to net income (ytd only)* | 60.1202% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5097% | 4,542 |
| Loan loss allowance to noncurrent loans | 375.0000% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 3,899 |
| Noncurrent loans to loans | 0.1359% | 3,027 |
| Net loans and leases to total assets | 8.8211% | 4,715 |
| Net loans and leases to deposits | 9.9443% | 4,720 |
| Net loans and leases to core deposits | 15.1156% | 4,695 |
| Total domestic deposits to total assets | 58.5310% | 4,698 |
| Equity capital to assets | 7.1922% | 3,670 |
| Core capital (leverage) ratio | 5.7593% | 4,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4978% | 1,865 |
| Memoranda: | ||
| Average total assets | $367,264,000,000 | 12 |
| Average earning assets | $331,813,333,333 | 12 |
| Average equity | $27,161,666,667 | 11 |
| Average total loans | $31,685,666,667 | 48 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6735% | 4,773 |
| Cost of funding earning assets | -0.0300% | 4,793 |
| Net interest margin | 0.7034% | 4,769 |
| Noninterest income to average assets | 2.2685% | 200 |
| Noninterest expense to average assets | 2.2892% | 2,539 |
| Loan and lease loss provision to assets | 0.0033% | 2,246 |
| Net operating income to assets | 0.5133% | 3,675 |
| Return on assets (ROA) | 0.5169% | 3,632 |
| Pretax return on assets | 0.6179% | 3,590 |
| Return on Equity (ROE) | 6.8953% | 3,069 |
| Retained earnings to average equity (ytd only) | -1.7963% | 4,234 |
| Net charge-offs to loans | -0.0128% | 3,686 |
| Credit loss provision to net charge-offs | 2,500.0000% | 172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4006% | 1,279 |
| Assets per employee ($millions) | 9.3988% | 792 |
| Cash dividends to net income (ytd only)* | 126.0504% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4834% | 4,602 |
| Loan loss allowance to noncurrent loans | 312.2449% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 3,931 |
| Noncurrent loans to loans | 0.1548% | 3,028 |
| Net loans and leases to total assets | 8.2780% | 4,745 |
| Net loans and leases to deposits | 9.3358% | 4,748 |
| Net loans and leases to core deposits | 14.4845% | 4,722 |
| Total domestic deposits to total assets | 57.3075% | 4,737 |
| Equity capital to assets | 7.0514% | 4,187 |
| Core capital (leverage) ratio | 5.8765% | 4,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0983% | 1,768 |
| Memoranda: | ||
| Average total assets | $368,345,000,000 | 12 |
| Average earning assets | $333,788,000,000 | 12 |
| Average equity | $27,613,000,000 | 11 |
| Average total loans | $31,343,000,000 | 50 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5976% | 4,808 |
| Cost of funding earning assets | -0.0463% | 4,838 |
| Net interest margin | 0.6438% | 4,801 |
| Noninterest income to average assets | 2.2098% | 264 |
| Noninterest expense to average assets | 2.1436% | 3,257 |
| Loan and lease loss provision to assets | -0.0564% | 4,386 |
| Net operating income to assets | 0.5819% | 3,917 |
| Return on assets (ROA) | 0.5912% | 3,940 |
| Pretax return on assets | 0.7172% | 3,894 |
| Return on Equity (ROE) | 7.7700% | 3,294 |
| Retained earnings to average equity (ytd only) | -0.0242% | 4,497 |
| Net charge-offs to loans | 0.0276% | 1,684 |
| Credit loss provision to net charge-offs | -1,687.5000% | 4,023 |
| Earnings coverage of net charge-offs (x) | 308.0000% | 397 |
| Efficiency ratio | 76.3141% | 1,079 |
| Assets per employee ($millions) | 8.9270% | 941 |
| Cash dividends to net income (ytd only)* | 100.3121% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5703% | 4,561 |
| Loan loss allowance to noncurrent loans | 347.0588% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 3,990 |
| Noncurrent loans to loans | 0.1643% | 3,120 |
| Net loans and leases to total assets | 8.6633% | 4,785 |
| Net loans and leases to deposits | 9.8973% | 4,788 |
| Net loans and leases to core deposits | 15.6595% | 4,763 |
| Total domestic deposits to total assets | 55.5006% | 4,784 |
| Equity capital to assets | 7.9719% | 4,378 |
| Core capital (leverage) ratio | 6.0494% | 4,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5063% | 1,387 |
| Memoranda: | ||
| Average total assets | $379,409,400,000 | 9 |
| Average earning assets | $343,716,000,000 | 10 |
| Average equity | $28,867,400,000 | 11 |
| Average total loans | $28,945,200,000 | 50 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5844% | 4,891 |
| Cost of funding earning assets | -0.0458% | 4,913 |
| Net interest margin | 0.6303% | 4,887 |
| Noninterest income to average assets | 2.1616% | 307 |
| Noninterest expense to average assets | 2.0986% | 3,364 |
| Loan and lease loss provision to assets | -0.0703% | 4,522 |
| Net operating income to assets | 0.5749% | 4,051 |
| Return on assets (ROA) | 0.5860% | 4,076 |
| Pretax return on assets | 0.7179% | 4,042 |
| Return on Equity (ROE) | 7.7878% | 3,465 |
| Retained earnings to average equity (ytd only) | -0.2622% | 4,593 |
| Net charge-offs to loans | -0.0281% | 4,106 |
| Credit loss provision to net charge-offs | 2,000.0000% | 325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3395% | 1,018 |
| Assets per employee ($millions) | 9.7159% | 708 |
| Cash dividends to net income (ytd only)* | 103.3668% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6984% | 4,507 |
| Loan loss allowance to noncurrent loans | 254.3210% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 4,048 |
| Noncurrent loans to loans | 0.2746% | 2,816 |
| Net loans and leases to total assets | 7.5909% | 4,863 |
| Net loans and leases to deposits | 8.5659% | 4,869 |
| Net loans and leases to core deposits | 13.4304% | 4,844 |
| Total domestic deposits to total assets | 56.6737% | 4,850 |
| Equity capital to assets | 7.3895% | 4,736 |
| Core capital (leverage) ratio | 6.1194% | 4,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5467% | 1,465 |
| Memoranda: | ||
| Average total assets | $385,205,500,000 | 9 |
| Average earning assets | $349,059,000,000 | 10 |
| Average equity | $28,984,750,000 | 11 |
| Average total loans | $28,422,000,000 | 50 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5889% | 4,930 |
| Cost of funding earning assets | -0.0475% | 4,947 |
| Net interest margin | 0.6364% | 4,926 |
| Noninterest income to average assets | 2.1486% | 301 |
| Noninterest expense to average assets | 2.0577% | 3,529 |
| Loan and lease loss provision to assets | -0.0888% | 4,602 |
| Net operating income to assets | 0.6082% | 3,967 |
| Return on assets (ROA) | 0.6203% | 3,995 |
| Pretax return on assets | 0.7720% | 3,918 |
| Return on Equity (ROE) | 8.1942% | 3,354 |
| Retained earnings to average equity (ytd only) | 1.3314% | 4,273 |
| Net charge-offs to loans | -0.0356% | 4,227 |
| Credit loss provision to net charge-offs | 1,920.0000% | 302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9952% | 1,163 |
| Assets per employee ($millions) | 9.7292% | 664 |
| Cash dividends to net income (ytd only)* | 83.7521% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7756% | 4,403 |
| Loan loss allowance to noncurrent loans | 357.8125% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 4,172 |
| Noncurrent loans to loans | 0.2168% | 3,179 |
| Net loans and leases to total assets | 7.6185% | 4,902 |
| Net loans and leases to deposits | 8.6500% | 4,908 |
| Net loans and leases to core deposits | 14.4739% | 4,883 |
| Total domestic deposits to total assets | 55.7001% | 4,886 |
| Equity capital to assets | 7.5355% | 4,726 |
| Core capital (leverage) ratio | 6.1380% | 4,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7799% | 1,394 |
| Memoranda: | ||
| Average total assets | $384,997,333,333 | 9 |
| Average earning assets | $349,126,666,667 | 9 |
| Average equity | $29,142,666,667 | 11 |
| Average total loans | $28,064,666,667 | 50 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6094% | 4,957 |
| Cost of funding earning assets | -0.0389% | 4,976 |
| Net interest margin | 0.6482% | 4,950 |
| Noninterest income to average assets | 2.1224% | 343 |
| Noninterest expense to average assets | 2.0777% | 3,487 |
| Loan and lease loss provision to assets | -0.0872% | 4,705 |
| Net operating income to assets | 0.5830% | 3,986 |
| Return on assets (ROA) | 0.5804% | 4,045 |
| Pretax return on assets | 0.7175% | 3,983 |
| Return on Equity (ROE) | 7.6509% | 3,429 |
| Retained earnings to average equity (ytd only) | 7.6509% | 2,363 |
| Net charge-offs to loans | -0.0293% | 4,160 |
| Credit loss provision to net charge-offs | 1,650.0000% | 285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1011% | 1,124 |
| Assets per employee ($millions) | 9.9171% | 610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 3,860 |
| Loan loss allowance to noncurrent loans | 352.4390% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 4,217 |
| Noncurrent loans to loans | 0.2822% | 3,089 |
| Net loans and leases to total assets | 7.4918% | 4,929 |
| Net loans and leases to deposits | 8.5137% | 4,934 |
| Net loans and leases to core deposits | 14.3346% | 4,909 |
| Total domestic deposits to total assets | 56.4876% | 4,905 |
| Equity capital to assets | 7.6041% | 4,676 |
| Core capital (leverage) ratio | 6.1004% | 4,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9582% | 1,295 |
| Memoranda: | ||
| Average total assets | $385,227,000,000 | 9 |
| Average earning assets | $349,877,000,000 | 9 |
| Average equity | $29,225,500,000 | 11 |
| Average total loans | $27,334,500,000 | 51 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9690% | 4,973 |
| Cost of funding earning assets | 0.1378% | 4,764 |
| Net interest margin | 0.8312% | 4,969 |
| Noninterest income to average assets | 2.3006% | 274 |
| Noninterest expense to average assets | 2.1726% | 3,751 |
| Loan and lease loss provision to assets | 0.0787% | 3,397 |
| Net operating income to assets | 0.6277% | 3,659 |
| Return on assets (ROA) | 0.6584% | 3,688 |
| Pretax return on assets | 0.8386% | 3,535 |
| Return on Equity (ROE) | 8.4387% | 2,631 |
| Retained earnings to average equity (ytd only) | 4.8630% | 2,338 |
| Net charge-offs to loans | -0.0110% | 4,279 |
| Credit loss provision to net charge-offs | -9,266.6667% | 4,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6318% | 1,866 |
| Assets per employee ($millions) | 9.9063% | 551 |
| Cash dividends to net income (ytd only)* | 42.3729% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2492% | 2,692 |
| Loan loss allowance to noncurrent loans | 450.7042% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 4,305 |
| Noncurrent loans to loans | 0.2772% | 3,199 |
| Net loans and leases to total assets | 6.5446% | 4,957 |
| Net loans and leases to deposits | 7.3965% | 4,960 |
| Net loans and leases to core deposits | 13.1995% | 4,937 |
| Total domestic deposits to total assets | 54.0678% | 4,936 |
| Equity capital to assets | 7.5692% | 4,826 |
| Core capital (leverage) ratio | 6.4497% | 4,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3014% | 1,191 |
| Memoranda: | ||
| Average total assets | $358,466,400,000 | 9 |
| Average earning assets | $323,616,600,000 | 9 |
| Average equity | $27,966,400,000 | 11 |
| Average total loans | $27,201,400,000 | 50 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0887% | 5,013 |
| Cost of funding earning assets | 0.1987% | 4,683 |
| Net interest margin | 0.8900% | 5,012 |
| Noninterest income to average assets | 2.3585% | 256 |
| Noninterest expense to average assets | 2.1643% | 3,769 |
| Loan and lease loss provision to assets | 0.0929% | 3,153 |
| Net operating income to assets | 0.7037% | 3,445 |
| Return on assets (ROA) | 0.7436% | 3,408 |
| Pretax return on assets | 0.9537% | 3,217 |
| Return on Equity (ROE) | 9.4533% | 2,225 |
| Retained earnings to average equity (ytd only) | 7.0417% | 1,672 |
| Net charge-offs to loans | -0.0193% | 4,408 |
| Credit loss provision to net charge-offs | -5,975.0000% | 4,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9150% | 2,207 |
| Assets per employee ($millions) | 8.9351% | 707 |
| Cash dividends to net income (ytd only)* | 25.5102% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1009% | 3,207 |
| Loan loss allowance to noncurrent loans | 408.6957% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 4,377 |
| Noncurrent loans to loans | 0.2694% | 3,330 |
| Net loans and leases to total assets | 7.2498% | 4,987 |
| Net loans and leases to deposits | 8.4255% | 4,990 |
| Net loans and leases to core deposits | 14.9938% | 4,966 |
| Total domestic deposits to total assets | 52.4219% | 4,968 |
| Equity capital to assets | 8.3221% | 4,561 |
| Core capital (leverage) ratio | 6.8543% | 4,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3679% | 1,170 |
| Memoranda: | ||
| Average total assets | $351,454,250,000 | 9 |
| Average earning assets | $316,701,250,000 | 9 |
| Average equity | $27,644,000,000 | 11 |
| Average total loans | $27,597,750,000 | 50 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2487% | 5,049 |
| Cost of funding earning assets | 0.3054% | 4,460 |
| Net interest margin | 0.9433% | 5,052 |
| Noninterest income to average assets | 2.3810% | 236 |
| Noninterest expense to average assets | 2.1691% | 3,878 |
| Loan and lease loss provision to assets | 0.1329% | 2,685 |
| Net operating income to assets | 0.7467% | 3,223 |
| Return on assets (ROA) | 0.7548% | 3,319 |
| Pretax return on assets | 0.9383% | 3,206 |
| Return on Equity (ROE) | 9.7845% | 2,056 |
| Retained earnings to average equity (ytd only) | 9.7845% | 831 |
| Net charge-offs to loans | -0.0212% | 4,422 |
| Credit loss provision to net charge-offs | -7,666.6667% | 4,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6081% | 2,431 |
| Assets per employee ($millions) | 9.2401% | 636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9938% | 3,607 |
| Loan loss allowance to noncurrent loans | 383.0986% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 4,453 |
| Noncurrent loans to loans | 0.2594% | 3,457 |
| Net loans and leases to total assets | 7.5701% | 5,020 |
| Net loans and leases to deposits | 8.7880% | 5,027 |
| Net loans and leases to core deposits | 17.4647% | 4,991 |
| Total domestic deposits to total assets | 53.4324% | 4,996 |
| Equity capital to assets | 7.9701% | 4,733 |
| Core capital (leverage) ratio | 6.7304% | 5,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2497% | 1,193 |
| Memoranda: | ||
| Average total assets | $352,128,333,333 | 9 |
| Average earning assets | $316,960,000,000 | 9 |
| Average equity | $27,165,333,333 | 11 |
| Average total loans | $28,258,666,667 | 50 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5829% | 5,098 |
| Cost of funding earning assets | 0.6207% | 3,328 |
| Net interest margin | 0.9622% | 5,108 |
| Noninterest income to average assets | 2.4008% | 209 |
| Noninterest expense to average assets | 2.2015% | 4,000 |
| Loan and lease loss provision to assets | 0.1191% | 2,205 |
| Net operating income to assets | 0.7580% | 3,064 |
| Return on assets (ROA) | 0.7663% | 3,111 |
| Pretax return on assets | 0.9553% | 2,981 |
| Return on Equity (ROE) | 10.1046% | 1,714 |
| Retained earnings to average equity (ytd only) | 10.1046% | 731 |
| Net charge-offs to loans | -0.0139% | 4,193 |
| Credit loss provision to net charge-offs | -8,400.0000% | 3,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8537% | 2,842 |
| Assets per employee ($millions) | 10.0676% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3842% | 4,955 |
| Loan loss allowance to noncurrent loans | 165.3333% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 4,530 |
| Noncurrent loans to loans | 0.2323% | 3,658 |
| Net loans and leases to total assets | 8.3080% | 5,065 |
| Net loans and leases to deposits | 9.5202% | 5,069 |
| Net loans and leases to core deposits | 19.7246% | 5,030 |
| Total domestic deposits to total assets | 53.6559% | 5,057 |
| Equity capital to assets | 6.9665% | 5,072 |
| Core capital (leverage) ratio | 6.7421% | 5,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6212% | 1,709 |
| Memoranda: | ||
| Average total assets | $349,212,000,000 | 8 |
| Average earning assets | $313,850,500,000 | 8 |
| Average equity | $26,483,000,000 | 11 |
| Average total loans | $28,703,000,000 | 50 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2654% | 5,134 |
| Cost of funding earning assets | 1.1355% | 1,208 |
| Net interest margin | 1.1298% | 5,150 |
| Noninterest income to average assets | 2.6358% | 186 |
| Noninterest expense to average assets | 2.5687% | 3,263 |
| Loan and lease loss provision to assets | -0.0044% | 4,918 |
| Net operating income to assets | 0.8774% | 3,292 |
| Return on assets (ROA) | 0.8707% | 3,406 |
| Pretax return on assets | 1.0669% | 3,277 |
| Return on Equity (ROE) | 9.9991% | 2,300 |
| Retained earnings to average equity (ytd only) | -0.4529% | 4,764 |
| Net charge-offs to loans | 0.0438% | 2,512 |
| Credit loss provision to net charge-offs | -118.1818% | 4,234 |
| Earnings coverage of net charge-offs (x) | 288.4545% | 291 |
| Efficiency ratio | 69.9805% | 2,176 |
| Assets per employee ($millions) | 8.0777% | 689 |
| Cash dividends to net income (ytd only)* | 104.5296% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3781% | 4,997 |
| Loan loss allowance to noncurrent loans | 125.0000% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 4,528 |
| Noncurrent loans to loans | 0.3025% | 3,351 |
| Net loans and leases to total assets | 8.0389% | 5,125 |
| Net loans and leases to deposits | 9.4700% | 5,132 |
| Net loans and leases to core deposits | 22.9040% | 5,089 |
| Total domestic deposits to total assets | 49.3897% | 5,130 |
| Equity capital to assets | 8.3507% | 4,969 |
| Core capital (leverage) ratio | 6.9479% | 5,145 |
| Tier 1 risk-based capital ratio | 15.1474% | 2,721 |
| Total risk-based capital ratio | 15.1850% | 3,209 |
| Memoranda: | ||
| Average total assets | $296,647,400,000 | 9 |
| Average earning assets | $263,223,400,000 | 9 |
| Average equity | $25,832,200,000 | 12 |
| Average total loans | $25,115,800,000 | 52 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3553% | 5,222 |
| Cost of funding earning assets | 1.2177% | 991 |
| Net interest margin | 1.1375% | 5,237 |
| Noninterest income to average assets | 2.6537% | 181 |
| Noninterest expense to average assets | 2.5190% | 3,382 |
| Loan and lease loss provision to assets | -0.0027% | 5,032 |
| Net operating income to assets | 0.9114% | 3,309 |
| Return on assets (ROA) | 0.9079% | 3,395 |
| Pretax return on assets | 1.1414% | 3,160 |
| Return on Equity (ROE) | 10.3140% | 2,294 |
| Retained earnings to average equity (ytd only) | -0.2843% | 4,790 |
| Net charge-offs to loans | 0.0637% | 1,912 |
| Credit loss provision to net charge-offs | -50.0000% | 4,021 |
| Earnings coverage of net charge-offs (x) | 209.0000% | 431 |
| Efficiency ratio | 68.1835% | 2,382 |
| Assets per employee ($millions) | 7.8945% | 722 |
| Cash dividends to net income (ytd only)* | 102.7569% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3927% | 5,068 |
| Loan loss allowance to noncurrent loans | 134.6667% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 4,612 |
| Noncurrent loans to loans | 0.2916% | 3,491 |
| Net loans and leases to total assets | 8.4253% | 5,207 |
| Net loans and leases to deposits | 10.0276% | 5,209 |
| Net loans and leases to core deposits | 24.7821% | 5,159 |
| Total domestic deposits to total assets | 47.2124% | 5,209 |
| Equity capital to assets | 8.5509% | 4,977 |
| Core capital (leverage) ratio | 7.0175% | 5,217 |
| Tier 1 risk-based capital ratio | 14.4670% | 3,090 |
| Total risk-based capital ratio | 14.4939% | 3,624 |
| Memoranda: | ||
| Average total assets | $292,962,500,000 | 9 |
| Average earning assets | $259,271,000,000 | 9 |
| Average equity | $25,789,500,000 | 12 |
| Average total loans | $25,113,000,000 | 52 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3585% | 5,276 |
| Cost of funding earning assets | 1.1617% | 1,098 |
| Net interest margin | 1.1968% | 5,283 |
| Noninterest income to average assets | 2.6607% | 184 |
| Noninterest expense to average assets | 2.5466% | 3,339 |
| Loan and lease loss provision to assets | 0.0076% | 3,580 |
| Net operating income to assets | 0.9276% | 3,177 |
| Return on assets (ROA) | 0.9224% | 3,262 |
| Pretax return on assets | 1.1616% | 3,032 |
| Return on Equity (ROE) | 10.3739% | 2,224 |
| Retained earnings to average equity (ytd only) | -0.5133% | 4,766 |
| Net charge-offs to loans | 0.0803% | 1,557 |
| Credit loss provision to net charge-offs | 110.0000% | 1,847 |
| Earnings coverage of net charge-offs (x) | 169.7000% | 443 |
| Efficiency ratio | 67.8253% | 2,567 |
| Assets per employee ($millions) | 7.9771% | 681 |
| Cash dividends to net income (ytd only)* | 104.9475% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5010% | 5,012 |
| Loan loss allowance to noncurrent loans | 68.9655% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 4,476 |
| Noncurrent loans to loans | 0.7265% | 2,177 |
| Net loans and leases to total assets | 7.6841% | 5,259 |
| Net loans and leases to deposits | 9.2248% | 5,262 |
| Net loans and leases to core deposits | 23.8406% | 5,207 |
| Total domestic deposits to total assets | 45.4544% | 5,258 |
| Equity capital to assets | 8.3850% | 5,084 |
| Core capital (leverage) ratio | 7.3165% | 5,247 |
| Tier 1 risk-based capital ratio | 14.1920% | 3,223 |
| Total risk-based capital ratio | 14.2193% | 3,763 |
| Memoranda: | ||
| Average total assets | $289,251,333,330 | 9 |
| Average earning assets | $256,007,000,000 | 9 |
| Average equity | $25,718,333,330 | 12 |
| Average total loans | $24,910,000,000 | 52 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4133% | 5,341 |
| Cost of funding earning assets | 1.1392% | 1,069 |
| Net interest margin | 1.2741% | 5,348 |
| Noninterest income to average assets | 2.7274% | 164 |
| Noninterest expense to average assets | 2.6599% | 3,031 |
| Loan and lease loss provision to assets | 0.0100% | 3,301 |
| Net operating income to assets | 0.9601% | 3,004 |
| Return on assets (ROA) | 0.9498% | 3,094 |
| Pretax return on assets | 1.1722% | 2,911 |
| Return on Equity (ROE) | 10.3541% | 2,215 |
| Retained earnings to average equity (ytd only) | -0.5943% | 4,603 |
| Net charge-offs to loans | 0.1575% | 852 |
| Credit loss provision to net charge-offs | 70.0000% | 1,852 |
| Earnings coverage of net charge-offs (x) | 83.1000% | 746 |
| Efficiency ratio | 68.4171% | 2,581 |
| Assets per employee ($millions) | 6.8629% | 1,061 |
| Cash dividends to net income (ytd only)* | 105.7402% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4712% | 5,112 |
| Loan loss allowance to noncurrent loans | 65.5367% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 0.0660% | 4,491 |
| Noncurrent loans to loans | 0.7189% | 2,223 |
| Net loans and leases to total assets | 9.0356% | 5,314 |
| Net loans and leases to deposits | 10.7606% | 5,316 |
| Net loans and leases to core deposits | 26.5943% | 5,253 |
| Total domestic deposits to total assets | 46.3784% | 5,320 |
| Equity capital to assets | 9.4640% | 4,293 |
| Core capital (leverage) ratio | 7.5636% | 5,278 |
| Tier 1 risk-based capital ratio | 14.4046% | 3,145 |
| Total risk-based capital ratio | 14.8842% | 3,443 |
| Memoranda: | ||
| Average total assets | $278,803,000,000 | 9 |
| Average earning assets | $246,138,000,000 | 9 |
| Average equity | $25,574,500,000 | 13 |
| Average total loans | $25,389,000,000 | 50 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9202% | 5,372 |
| Cost of funding earning assets | 0.7165% | 1,987 |
| Net interest margin | 1.2037% | 5,386 |
| Noninterest income to average assets | 2.7734% | 170 |
| Noninterest expense to average assets | 2.6451% | 3,195 |
| Loan and lease loss provision to assets | -0.0059% | 5,092 |
| Net operating income to assets | 1.0304% | 2,886 |
| Return on assets (ROA) | 1.0051% | 2,974 |
| Pretax return on assets | 1.1763% | 2,985 |
| Return on Equity (ROE) | 10.8015% | 2,165 |
| Retained earnings to average equity (ytd only) | -2.4037% | 5,147 |
| Net charge-offs to loans | -0.0110% | 4,520 |
| Credit loss provision to net charge-offs | 566.6667% | 620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9549% | 2,558 |
| Assets per employee ($millions) | 7.0299% | 964 |
| Cash dividends to net income (ytd only)* | 122.2531% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4549% | 5,171 |
| Loan loss allowance to noncurrent loans | 154.5455% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 4,725 |
| Noncurrent loans to loans | 0.2944% | 3,508 |
| Net loans and leases to total assets | 9.0915% | 5,355 |
| Net loans and leases to deposits | 10.7025% | 5,359 |
| Net loans and leases to core deposits | 25.3172% | 5,300 |
| Total domestic deposits to total assets | 48.6039% | 5,359 |
| Equity capital to assets | 8.8974% | 4,659 |
| Core capital (leverage) ratio | 7.5523% | 5,318 |
| Tier 1 risk-based capital ratio | 14.2681% | 3,175 |
| Total risk-based capital ratio | 14.6964% | 3,480 |
| Memoranda: | ||
| Average total assets | $286,151,000,000 | 9 |
| Average earning assets | $254,291,200,000 | 9 |
| Average equity | $26,626,000,000 | 11 |
| Average total loans | $27,266,200,000 | 46 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8156% | 5,448 |
| Cost of funding earning assets | 0.5407% | 2,928 |
| Net interest margin | 1.2749% | 5,461 |
| Noninterest income to average assets | 2.7147% | 184 |
| Noninterest expense to average assets | 2.5586% | 3,417 |
| Loan and lease loss provision to assets | -0.0098% | 5,216 |
| Net operating income to assets | 1.0879% | 2,720 |
| Return on assets (ROA) | 1.0579% | 2,845 |
| Pretax return on assets | 1.2653% | 2,745 |
| Return on Equity (ROE) | 11.2464% | 2,072 |
| Retained earnings to average equity (ytd only) | 2.4970% | 4,398 |
| Net charge-offs to loans | -0.0048% | 4,223 |
| Credit loss provision to net charge-offs | 2,100.0000% | 198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5523% | 2,949 |
| Assets per employee ($millions) | 6.6184% | 1,127 |
| Cash dividends to net income (ytd only)* | 77.7974% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4737% | 5,220 |
| Loan loss allowance to noncurrent loans | 139.5062% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 4,834 |
| Noncurrent loans to loans | 0.3396% | 3,442 |
| Net loans and leases to total assets | 8.6925% | 5,432 |
| Net loans and leases to deposits | 10.0601% | 5,436 |
| Net loans and leases to core deposits | 24.1290% | 5,384 |
| Total domestic deposits to total assets | 47.7211% | 5,430 |
| Equity capital to assets | 9.7862% | 3,836 |
| Core capital (leverage) ratio | 8.2230% | 5,239 |
| Tier 1 risk-based capital ratio | 15.1572% | 2,814 |
| Total risk-based capital ratio | 15.5740% | 3,122 |
| Memoranda: | ||
| Average total assets | $286,086,000,000 | 9 |
| Average earning assets | $254,227,750,000 | 9 |
| Average equity | $26,911,750,000 | 11 |
| Average total loans | $27,543,250,000 | 46 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7243% | 5,519 |
| Cost of funding earning assets | 0.4125% | 3,626 |
| Net interest margin | 1.3118% | 5,522 |
| Noninterest income to average assets | 2.6597% | 192 |
| Noninterest expense to average assets | 2.5233% | 3,571 |
| Loan and lease loss provision to assets | -0.0117% | 5,306 |
| Net operating income to assets | 1.0801% | 2,660 |
| Return on assets (ROA) | 1.0420% | 2,842 |
| Pretax return on assets | 1.2713% | 2,627 |
| Return on Equity (ROE) | 11.2185% | 2,030 |
| Retained earnings to average equity (ytd only) | 5.5388% | 2,802 |
| Net charge-offs to loans | -0.0070% | 4,193 |
| Credit loss provision to net charge-offs | 1,700.0000% | 250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9991% | 3,157 |
| Assets per employee ($millions) | 6.7021% | 1,074 |
| Cash dividends to net income (ytd only)* | 50.6279% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4351% | 5,327 |
| Loan loss allowance to noncurrent loans | 148.1013% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 4,881 |
| Noncurrent loans to loans | 0.2938% | 3,646 |
| Net loans and leases to total assets | 9.6726% | 5,490 |
| Net loans and leases to deposits | 11.4147% | 5,494 |
| Net loans and leases to core deposits | 29.5730% | 5,407 |
| Total domestic deposits to total assets | 44.1869% | 5,500 |
| Equity capital to assets | 9.7781% | 3,842 |
| Core capital (leverage) ratio | 7.9353% | 5,367 |
| Tier 1 risk-based capital ratio | 15.1845% | 2,785 |
| Total risk-based capital ratio | 15.5943% | 3,104 |
| Memoranda: | ||
| Average total assets | $290,411,333,330 | 8 |
| Average earning assets | $258,428,000,000 | 8 |
| Average equity | $26,973,333,330 | 11 |
| Average total loans | $28,773,333,330 | 44 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5777% | 5,591 |
| Cost of funding earning assets | 0.3104% | 4,261 |
| Net interest margin | 1.2673% | 5,591 |
| Noninterest income to average assets | 2.6298% | 187 |
| Noninterest expense to average assets | 2.4495% | 3,817 |
| Loan and lease loss provision to assets | -0.0054% | 5,399 |
| Net operating income to assets | 1.0669% | 2,579 |
| Return on assets (ROA) | 1.0027% | 2,867 |
| Pretax return on assets | 1.2409% | 2,592 |
| Return on Equity (ROE) | 11.0674% | 1,944 |
| Retained earnings to average equity (ytd only) | 11.0674% | 883 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2218% | 3,444 |
| Assets per employee ($millions) | 7.1848% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4309% | 5,404 |
| Loan loss allowance to noncurrent loans | 159.2593% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 4,968 |
| Noncurrent loans to loans | 0.2706% | 3,805 |
| Net loans and leases to total assets | 10.0324% | 5,551 |
| Net loans and leases to deposits | 12.2150% | 5,556 |
| Net loans and leases to core deposits | 32.2074% | 5,434 |
| Total domestic deposits to total assets | 41.8940% | 5,562 |
| Equity capital to assets | 9.1620% | 4,403 |
| Core capital (leverage) ratio | 7.5737% | 5,499 |
| Tier 1 risk-based capital ratio | 14.8335% | 2,962 |
| Total risk-based capital ratio | 15.2187% | 3,307 |
| Memoranda: | ||
| Average total assets | $297,206,000,000 | 7 |
| Average earning assets | $265,447,000,000 | 7 |
| Average equity | $26,926,000,000 | 11 |
| Average total loans | $29,713,500,000 | 43 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3592% | 5,636 |
| Cost of funding earning assets | 0.1424% | 5,306 |
| Net interest margin | 1.2168% | 5,635 |
| Noninterest income to average assets | 2.5806% | 215 |
| Noninterest expense to average assets | 2.6347% | 3,333 |
| Loan and lease loss provision to assets | -0.0051% | 5,296 |
| Net operating income to assets | 0.9174% | 2,612 |
| Return on assets (ROA) | 0.9068% | 2,698 |
| Pretax return on assets | 1.0135% | 3,516 |
| Return on Equity (ROE) | 9.8066% | 1,974 |
| Retained earnings to average equity (ytd only) | 5.6845% | 1,718 |
| Net charge-offs to loans | -0.0128% | 4,854 |
| Credit loss provision to net charge-offs | 350.0000% | 837 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0283% | 2,394 |
| Assets per employee ($millions) | 7.1507% | 912 |
| Cash dividends to net income (ytd only)* | 42.0336% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4510% | 5,445 |
| Loan loss allowance to noncurrent loans | 156.4706% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 4,993 |
| Noncurrent loans to loans | 0.2882% | 3,747 |
| Net loans and leases to total assets | 9.8747% | 5,620 |
| Net loans and leases to deposits | 11.7484% | 5,625 |
| Net loans and leases to core deposits | 31.4376% | 5,514 |
| Total domestic deposits to total assets | 43.0191% | 5,626 |
| Equity capital to assets | 8.9575% | 4,768 |
| Core capital (leverage) ratio | 7.5972% | 5,539 |
| Tier 1 risk-based capital ratio | 14.4132% | 3,133 |
| Total risk-based capital ratio | 14.7278% | 3,550 |
| Memoranda: | ||
| Average total assets | $275,481,000,000 | 9 |
| Average earning assets | $242,941,800,000 | 9 |
| Average equity | $25,472,600,000 | 11 |
| Average total loans | $31,260,200,000 | 40 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3304% | 5,711 |
| Cost of funding earning assets | 0.1072% | 5,533 |
| Net interest margin | 1.2233% | 5,706 |
| Noninterest income to average assets | 2.7266% | 206 |
| Noninterest expense to average assets | 2.5745% | 3,487 |
| Loan and lease loss provision to assets | -0.0044% | 5,445 |
| Net operating income to assets | 0.9497% | 2,779 |
| Return on assets (ROA) | 0.9485% | 2,852 |
| Pretax return on assets | 1.2349% | 2,766 |
| Return on Equity (ROE) | 10.1706% | 2,051 |
| Retained earnings to average equity (ytd only) | 8.3176% | 1,087 |
| Net charge-offs to loans | -0.0084% | 4,586 |
| Credit loss provision to net charge-offs | 450.0000% | 702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6450% | 3,099 |
| Assets per employee ($millions) | 6.6954% | 1,072 |
| Cash dividends to net income (ytd only)* | 18.2197% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4611% | 5,508 |
| Loan loss allowance to noncurrent loans | 152.8090% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 5,068 |
| Noncurrent loans to loans | 0.3018% | 3,859 |
| Net loans and leases to total assets | 10.4343% | 5,684 |
| Net loans and leases to deposits | 12.3782% | 5,690 |
| Net loans and leases to core deposits | 32.3147% | 5,576 |
| Total domestic deposits to total assets | 42.7259% | 5,697 |
| Equity capital to assets | 9.3680% | 4,575 |
| Core capital (leverage) ratio | 7.7731% | 5,579 |
| Tier 1 risk-based capital ratio | 15.1102% | 2,875 |
| Total risk-based capital ratio | 15.4508% | 3,254 |
| Memoranda: | ||
| Average total assets | $270,025,000,000 | 9 |
| Average earning assets | $237,609,500,000 | 9 |
| Average equity | $25,183,000,000 | 11 |
| Average total loans | $31,702,500,000 | 39 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2788% | 5,762 |
| Cost of funding earning assets | 0.0598% | 5,704 |
| Net interest margin | 1.2190% | 5,759 |
| Noninterest income to average assets | 2.7252% | 204 |
| Noninterest expense to average assets | 2.6261% | 3,351 |
| Loan and lease loss provision to assets | -0.0053% | 5,531 |
| Net operating income to assets | 0.9479% | 2,674 |
| Return on assets (ROA) | 0.9420% | 2,763 |
| Pretax return on assets | 1.1711% | 2,891 |
| Return on Equity (ROE) | 10.1162% | 1,982 |
| Retained earnings to average equity (ytd only) | 7.2927% | 1,455 |
| Net charge-offs to loans | -0.0062% | 4,384 |
| Credit loss provision to net charge-offs | 700.0000% | 501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1045% | 2,995 |
| Assets per employee ($millions) | 6.7554% | 1,027 |
| Cash dividends to net income (ytd only)* | 27.9107% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4247% | 5,592 |
| Loan loss allowance to noncurrent loans | 152.2222% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 5,129 |
| Noncurrent loans to loans | 0.2790% | 4,043 |
| Net loans and leases to total assets | 11.4367% | 5,733 |
| Net loans and leases to deposits | 13.4415% | 5,737 |
| Net loans and leases to core deposits | 33.4371% | 5,609 |
| Total domestic deposits to total assets | 44.9277% | 5,742 |
| Equity capital to assets | 9.0695% | 4,833 |
| Core capital (leverage) ratio | 7.6262% | 5,627 |
| Tier 1 risk-based capital ratio | 14.4405% | 3,194 |
| Total risk-based capital ratio | 14.7852% | 3,596 |
| Memoranda: | ||
| Average total assets | $266,252,666,670 | 9 |
| Average earning assets | $233,965,666,670 | 9 |
| Average equity | $24,792,000,000 | 12 |
| Average total loans | $32,439,333,330 | 39 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2705% | 5,830 |
| Cost of funding earning assets | 0.0615% | 5,767 |
| Net interest margin | 1.2090% | 5,822 |
| Noninterest income to average assets | 2.7574% | 209 |
| Noninterest expense to average assets | 2.7018% | 3,132 |
| Loan and lease loss provision to assets | -0.0093% | 5,654 |
| Net operating income to assets | 0.8853% | 2,835 |
| Return on assets (ROA) | 0.8851% | 2,884 |
| Pretax return on assets | 1.1308% | 2,859 |
| Return on Equity (ROE) | 9.3738% | 2,249 |
| Retained earnings to average equity (ytd only) | 9.3738% | 959 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6320% | 2,950 |
| Assets per employee ($millions) | 6.3474% | 1,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4392% | 5,654 |
| Loan loss allowance to noncurrent loans | 145.7447% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.0376% | 5,161 |
| Noncurrent loans to loans | 0.3014% | 4,035 |
| Net loans and leases to total assets | 11.9294% | 5,801 |
| Net loans and leases to deposits | 14.5558% | 5,799 |
| Net loans and leases to core deposits | 39.3046% | 5,543 |
| Total domestic deposits to total assets | 42.8307% | 5,811 |
| Equity capital to assets | 9.5480% | 4,230 |
| Core capital (leverage) ratio | 7.6003% | 5,679 |
| Tier 1 risk-based capital ratio | 14.2329% | 3,344 |
| Total risk-based capital ratio | 14.5652% | 3,793 |
| Memoranda: | ||
| Average total assets | $258,941,000,000 | 9 |
| Average earning assets | $227,621,500,000 | 9 |
| Average equity | $24,451,000,000 | 12 |
| Average total loans | $32,529,000,000 | 39 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0672% | 5,882 |
| Cost of funding earning assets | 0.0424% | 5,851 |
| Net interest margin | 1.0248% | 5,879 |
| Noninterest income to average assets | 2.4251% | 260 |
| Noninterest expense to average assets | 2.2905% | 4,582 |
| Loan and lease loss provision to assets | -0.0047% | 5,473 |
| Net operating income to assets | 0.7689% | 3,457 |
| Return on assets (ROA) | 0.7756% | 3,530 |
| Pretax return on assets | 1.0617% | 3,253 |
| Return on Equity (ROE) | 9.8661% | 2,018 |
| Retained earnings to average equity (ytd only) | 9.8661% | 428 |
| Net charge-offs to loans | -0.0483% | 5,389 |
| Credit loss provision to net charge-offs | 82.3529% | 2,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5580% | 3,333 |
| Assets per employee ($millions) | 6.3758% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4222% | 5,718 |
| Loan loss allowance to noncurrent loans | 141.5842% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 5,192 |
| Noncurrent loans to loans | 0.2982% | 4,078 |
| Net loans and leases to total assets | 13.0932% | 5,856 |
| Net loans and leases to deposits | 15.8469% | 5,854 |
| Net loans and leases to core deposits | 43.2899% | 5,511 |
| Total domestic deposits to total assets | 42.8161% | 5,869 |
| Equity capital to assets | 9.3363% | 4,435 |
| Core capital (leverage) ratio | 7.2081% | 5,790 |
| Tier 1 risk-based capital ratio | 13.9279% | 3,505 |
| Total risk-based capital ratio | 14.2107% | 4,005 |
| Memoranda: | ||
| Average total assets | $295,004,000,000 | 7 |
| Average earning assets | $261,706,400,000 | 7 |
| Average equity | $23,190,600,000 | 14 |
| Average total loans | $35,206,400,000 | 37 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0149% | 5,952 |
| Cost of funding earning assets | 0.0498% | 5,905 |
| Net interest margin | 0.9652% | 5,951 |
| Noninterest income to average assets | 2.4098% | 270 |
| Noninterest expense to average assets | 2.2482% | 4,652 |
| Loan and lease loss provision to assets | -0.0127% | 5,651 |
| Net operating income to assets | 0.7304% | 3,693 |
| Return on assets (ROA) | 0.7395% | 3,782 |
| Pretax return on assets | 1.0496% | 3,430 |
| Return on Equity (ROE) | 9.7954% | 2,144 |
| Retained earnings to average equity (ytd only) | 9.7954% | 617 |
| Net charge-offs to loans | -0.0600% | 5,421 |
| Credit loss provision to net charge-offs | 181.2500% | 1,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6676% | 3,287 |
| Assets per employee ($millions) | 8.6567% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3441% | 5,834 |
| Loan loss allowance to noncurrent loans | 125.7426% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.0350% | 5,347 |
| Noncurrent loans to loans | 0.2736% | 4,281 |
| Net loans and leases to total assets | 12.2759% | 5,923 |
| Net loans and leases to deposits | 14.4712% | 5,927 |
| Net loans and leases to core deposits | 35.4616% | 5,759 |
| Total domestic deposits to total assets | 47.9224% | 5,932 |
| Equity capital to assets | 8.0190% | 5,731 |
| Core capital (leverage) ratio | 6.8776% | 5,889 |
| Tier 1 risk-based capital ratio | 13.0691% | 4,122 |
| Total risk-based capital ratio | 13.3298% | 4,644 |
| Memoranda: | ||
| Average total assets | $304,361,000,000 | 7 |
| Average earning assets | $270,618,250,000 | 7 |
| Average equity | $22,976,250,000 | 14 |
| Average total loans | $35,541,000,000 | 37 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0207% | 6,032 |
| Cost of funding earning assets | 0.0697% | 5,953 |
| Net interest margin | 0.9510% | 6,032 |
| Noninterest income to average assets | 2.3894% | 269 |
| Noninterest expense to average assets | 2.2724% | 4,678 |
| Loan and lease loss provision to assets | -0.0039% | 5,751 |
| Net operating income to assets | 0.7033% | 3,770 |
| Return on assets (ROA) | 0.7119% | 3,891 |
| Pretax return on assets | 0.9845% | 3,640 |
| Return on Equity (ROE) | 9.6264% | 2,214 |
| Retained earnings to average equity (ytd only) | 9.6264% | 677 |
| Net charge-offs to loans | -0.0171% | 4,882 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0630% | 3,138 |
| Assets per employee ($millions) | 8.6081% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3878% | 5,889 |
| Loan loss allowance to noncurrent loans | 48.5816% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 5,129 |
| Noncurrent loans to loans | 0.7983% | 2,750 |
| Net loans and leases to total assets | 11.7793% | 6,003 |
| Net loans and leases to deposits | 13.9576% | 6,005 |
| Net loans and leases to core deposits | 37.2471% | 5,804 |
| Total domestic deposits to total assets | 46.2227% | 6,012 |
| Equity capital to assets | 7.8435% | 5,850 |
| Core capital (leverage) ratio | 6.1270% | 6,001 |
| Tier 1 risk-based capital ratio | 12.3178% | 4,634 |
| Total risk-based capital ratio | 12.5737% | 5,166 |
| Memoranda: | ||
| Average total assets | $305,931,000,000 | 7 |
| Average earning assets | $272,756,000,000 | 7 |
| Average equity | $22,625,333,330 | 14 |
| Average total loans | $35,084,000,000 | 37 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9998% | 6,099 |
| Cost of funding earning assets | 0.0749% | 6,003 |
| Net interest margin | 0.9249% | 6,098 |
| Noninterest income to average assets | 2.3390% | 274 |
| Noninterest expense to average assets | 2.2472% | 4,790 |
| Loan and lease loss provision to assets | 0.0039% | 3,620 |
| Net operating income to assets | 0.6995% | 3,717 |
| Return on assets (ROA) | 0.7069% | 3,796 |
| Pretax return on assets | 0.9304% | 3,724 |
| Return on Equity (ROE) | 9.8457% | 2,053 |
| Retained earnings to average equity (ytd only) | 9.8457% | 883 |
| Net charge-offs to loans | -0.0114% | 4,584 |
| Credit loss provision to net charge-offs | -300.0000% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7798% | 3,172 |
| Assets per employee ($millions) | 8.6184% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4211% | 5,931 |
| Loan loss allowance to noncurrent loans | 51.4286% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 0.0951% | 5,202 |
| Noncurrent loans to loans | 0.8189% | 2,792 |
| Net loans and leases to total assets | 11.3566% | 6,067 |
| Net loans and leases to deposits | 13.6272% | 6,067 |
| Net loans and leases to core deposits | 38.8931% | 5,798 |
| Total domestic deposits to total assets | 41.9721% | 6,079 |
| Equity capital to assets | 7.5793% | 5,934 |
| Core capital (leverage) ratio | 6.0941% | 6,059 |
| Tier 1 risk-based capital ratio | 12.5192% | 4,562 |
| Total risk-based capital ratio | 12.8018% | 5,107 |
| Memoranda: | ||
| Average total assets | $309,537,000,000 | 7 |
| Average earning assets | $277,652,500,000 | 7 |
| Average equity | $22,223,000,000 | 14 |
| Average total loans | $34,964,000,000 | 37 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9681% | 6,145 |
| Cost of funding earning assets | 0.0411% | 6,114 |
| Net interest margin | 0.9270% | 6,144 |
| Noninterest income to average assets | 2.2726% | 298 |
| Noninterest expense to average assets | 2.2985% | 4,791 |
| Loan and lease loss provision to assets | 0.0435% | 3,455 |
| Net operating income to assets | 0.5899% | 4,327 |
| Return on assets (ROA) | 0.5997% | 4,373 |
| Pretax return on assets | 0.7693% | 4,304 |
| Return on Equity (ROE) | 8.9161% | 2,491 |
| Retained earnings to average equity (ytd only) | 8.9161% | 671 |
| Net charge-offs to loans | 0.4562% | 602 |
| Credit loss provision to net charge-offs | 82.9268% | 2,899 |
| Earnings coverage of net charge-offs (x) | 15.1951% | 2,221 |
| Efficiency ratio | 73.0233% | 2,743 |
| Assets per employee ($millions) | 9.3506% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3918% | 6,004 |
| Loan loss allowance to noncurrent loans | 50.1792% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 5,267 |
| Noncurrent loans to loans | 0.7807% | 2,833 |
| Net loans and leases to total assets | 11.1493% | 6,128 |
| Net loans and leases to deposits | 13.1437% | 6,129 |
| Net loans and leases to core deposits | 39.0961% | 5,850 |
| Total domestic deposits to total assets | 40.2283% | 6,140 |
| Equity capital to assets | 6.8039% | 6,077 |
| Core capital (leverage) ratio | 5.8583% | 6,125 |
| Tier 1 risk-based capital ratio | 12.2539% | 4,792 |
| Total risk-based capital ratio | 12.4732% | 5,309 |
| Memoranda: | ||
| Average total assets | $312,504,800,000 | 7 |
| Average earning assets | $277,556,200,000 | 7 |
| Average equity | $21,018,200,000 | 14 |
| Average total loans | $35,948,600,000 | 36 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9784% | 6,239 |
| Cost of funding earning assets | 0.0431% | 6,202 |
| Net interest margin | 0.9353% | 6,238 |
| Noninterest income to average assets | 2.3400% | 286 |
| Noninterest expense to average assets | 2.3061% | 4,761 |
| Loan and lease loss provision to assets | -0.0056% | 5,803 |
| Net operating income to assets | 0.6679% | 4,046 |
| Return on assets (ROA) | 0.6778% | 4,112 |
| Pretax return on assets | 0.8837% | 4,040 |
| Return on Equity (ROE) | 10.1074% | 2,063 |
| Retained earnings to average equity (ytd only) | 10.1074% | 616 |
| Net charge-offs to loans | -0.0148% | 5,105 |
| Credit loss provision to net charge-offs | 325.0000% | 902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5949% | 2,946 |
| Assets per employee ($millions) | 8.8114% | 398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4467% | 6,056 |
| Loan loss allowance to noncurrent loans | 141.9643% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 5,628 |
| Noncurrent loans to loans | 0.3147% | 4,469 |
| Net loans and leases to total assets | 11.7261% | 6,212 |
| Net loans and leases to deposits | 13.6387% | 6,215 |
| Net loans and leases to core deposits | 36.0060% | 6,013 |
| Total domestic deposits to total assets | 45.4902% | 6,220 |
| Equity capital to assets | 7.1232% | 6,134 |
| Core capital (leverage) ratio | 5.6567% | 6,212 |
| Tier 1 risk-based capital ratio | 11.8197% | 5,187 |
| Total risk-based capital ratio | 12.0243% | 5,699 |
| Memoranda: | ||
| Average total assets | $310,816,500,000 | 7 |
| Average earning assets | $275,271,500,000 | 7 |
| Average equity | $20,842,250,000 | 14 |
| Average total loans | $36,002,000,000 | 35 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9656% | 6,319 |
| Cost of funding earning assets | 0.0402% | 6,284 |
| Net interest margin | 0.9253% | 6,315 |
| Noninterest income to average assets | 2.3099% | 304 |
| Noninterest expense to average assets | 2.2882% | 4,872 |
| Loan and lease loss provision to assets | -0.0051% | 5,945 |
| Net operating income to assets | 0.6740% | 4,009 |
| Return on assets (ROA) | 0.6835% | 4,081 |
| Pretax return on assets | 0.8626% | 4,088 |
| Return on Equity (ROE) | 10.4005% | 1,892 |
| Retained earnings to average equity (ytd only) | 10.4005% | 603 |
| Net charge-offs to loans | -0.0111% | 4,956 |
| Credit loss provision to net charge-offs | 400.0000% | 742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8795% | 3,014 |
| Assets per employee ($millions) | 9.4506% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4591% | 6,123 |
| Loan loss allowance to noncurrent loans | 143.3628% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 5,718 |
| Noncurrent loans to loans | 0.3202% | 4,549 |
| Net loans and leases to total assets | 10.9705% | 6,289 |
| Net loans and leases to deposits | 12.6407% | 6,291 |
| Net loans and leases to core deposits | 31.5559% | 6,142 |
| Total domestic deposits to total assets | 48.5728% | 6,291 |
| Equity capital to assets | 6.5358% | 6,242 |
| Core capital (leverage) ratio | 5.3667% | 6,290 |
| Tier 1 risk-based capital ratio | 11.8682% | 5,238 |
| Total risk-based capital ratio | 12.0903% | 5,717 |
| Memoranda: | ||
| Average total assets | $313,689,666,670 | 7 |
| Average earning assets | $278,383,333,330 | 7 |
| Average equity | $20,614,333,330 | 14 |
| Average total loans | $36,137,666,670 | 35 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9535% | 6,392 |
| Cost of funding earning assets | 0.0538% | 6,338 |
| Net interest margin | 0.8998% | 6,388 |
| Noninterest income to average assets | 2.2691% | 308 |
| Noninterest expense to average assets | 2.2949% | 4,898 |
| Loan and lease loss provision to assets | -0.0026% | 6,076 |
| Net operating income to assets | 0.5798% | 4,361 |
| Return on assets (ROA) | 0.5927% | 4,416 |
| Pretax return on assets | 0.7950% | 4,261 |
| Return on Equity (ROE) | 8.9943% | 2,450 |
| Retained earnings to average equity (ytd only) | 8.9943% | 1,196 |
| Net charge-offs to loans | -0.0109% | 4,758 |
| Credit loss provision to net charge-offs | 200.0000% | 1,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5714% | 2,885 |
| Assets per employee ($millions) | 9.3493% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4489% | 6,205 |
| Loan loss allowance to noncurrent loans | 143.9655% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 5,786 |
| Noncurrent loans to loans | 0.3118% | 4,673 |
| Net loans and leases to total assets | 11.6928% | 6,358 |
| Net loans and leases to deposits | 13.5734% | 6,359 |
| Net loans and leases to core deposits | 35.8855% | 6,106 |
| Total domestic deposits to total assets | 45.8037% | 6,365 |
| Equity capital to assets | 6.5024% | 6,305 |
| Core capital (leverage) ratio | 5.3397% | 6,355 |
| Tier 1 risk-based capital ratio | 12.0061% | 5,230 |
| Total risk-based capital ratio | 12.2729% | 5,732 |
| Memoranda: | ||
| Average total assets | $310,432,500,000 | 7 |
| Average earning assets | $275,184,000,000 | 7 |
| Average equity | $20,457,500,000 | 14 |
| Average total loans | $36,561,500,000 | 35 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9755% | 6,473 |
| Cost of funding earning assets | 0.0676% | 6,403 |
| Net interest margin | 0.9079% | 6,472 |
| Noninterest income to average assets | 2.5394% | 236 |
| Noninterest expense to average assets | 2.4730% | 4,630 |
| Loan and lease loss provision to assets | -0.0040% | 5,893 |
| Net operating income to assets | 0.6527% | 4,125 |
| Return on assets (ROA) | 0.6632% | 4,168 |
| Pretax return on assets | 0.8955% | 3,926 |
| Return on Equity (ROE) | 9.7687% | 2,211 |
| Retained earnings to average equity (ytd only) | 6.8483% | 1,478 |
| Net charge-offs to loans | 0.0437% | 3,952 |
| Credit loss provision to net charge-offs | -80.0000% | 5,482 |
| Earnings coverage of net charge-offs (x) | 176.2667% | 304 |
| Efficiency ratio | 72.6303% | 3,099 |
| Assets per employee ($millions) | 9.0027% | 343 |
| Cash dividends to net income (ytd only)* | 29.8954% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4676% | 6,281 |
| Loan loss allowance to noncurrent loans | 143.5897% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 5,882 |
| Noncurrent loans to loans | 0.3257% | 4,672 |
| Net loans and leases to total assets | 11.7558% | 6,448 |
| Net loans and leases to deposits | 13.8873% | 6,449 |
| Net loans and leases to core deposits | 34.7219% | 6,227 |
| Total domestic deposits to total assets | 45.3463% | 6,455 |
| Equity capital to assets | 6.8778% | 6,343 |
| Core capital (leverage) ratio | 5.3868% | 6,441 |
| Tier 1 risk-based capital ratio | 13.5298% | 4,393 |
| Total risk-based capital ratio | 13.7481% | 4,955 |
| Memoranda: | ||
| Average total assets | $302,630,600,000 | 7 |
| Average earning assets | $269,082,400,000 | 7 |
| Average equity | $20,545,200,000 | 13 |
| Average total loans | $34,354,200,000 | 33 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9808% | 6,558 |
| Cost of funding earning assets | 0.0693% | 6,482 |
| Net interest margin | 0.9115% | 6,556 |
| Noninterest income to average assets | 2.6569% | 223 |
| Noninterest expense to average assets | 2.5083% | 4,504 |
| Loan and lease loss provision to assets | -0.0053% | 6,075 |
| Net operating income to assets | 0.7187% | 3,844 |
| Return on assets (ROA) | 0.7261% | 3,914 |
| Pretax return on assets | 0.9793% | 3,680 |
| Return on Equity (ROE) | 10.7308% | 1,896 |
| Retained earnings to average equity (ytd only) | 7.7971% | 1,452 |
| Net charge-offs to loans | 0.0275% | 3,946 |
| Credit loss provision to net charge-offs | -171.4286% | 5,534 |
| Earnings coverage of net charge-offs (x) | 311.0000% | 226 |
| Efficiency ratio | 71.0797% | 3,333 |
| Assets per employee ($millions) | 8.9028% | 354 |
| Cash dividends to net income (ytd only)* | 27.3390% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5124% | 6,324 |
| Loan loss allowance to noncurrent loans | 38.0130% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 5,570 |
| Noncurrent loans to loans | 1.3479% | 2,388 |
| Net loans and leases to total assets | 11.2092% | 6,528 |
| Net loans and leases to deposits | 13.2454% | 6,529 |
| Net loans and leases to core deposits | 34.2110% | 6,314 |
| Total domestic deposits to total assets | 46.0752% | 6,531 |
| Equity capital to assets | 6.9525% | 6,388 |
| Core capital (leverage) ratio | 5.4305% | 6,511 |
| Tier 1 risk-based capital ratio | 13.2547% | 4,694 |
| Total risk-based capital ratio | 13.4627% | 5,272 |
| Memoranda: | ||
| Average total assets | $302,246,750,000 | 7 |
| Average earning assets | $269,161,000,000 | 7 |
| Average equity | $20,451,500,000 | 13 |
| Average total loans | $33,961,500,000 | 33 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9881% | 6,621 |
| Cost of funding earning assets | 0.0722% | 6,542 |
| Net interest margin | 0.9159% | 6,617 |
| Noninterest income to average assets | 2.2597% | 288 |
| Noninterest expense to average assets | 2.4627% | 4,687 |
| Loan and lease loss provision to assets | -0.0133% | 6,237 |
| Net operating income to assets | 0.4901% | 4,845 |
| Return on assets (ROA) | 0.4971% | 4,902 |
| Pretax return on assets | 0.6384% | 4,824 |
| Return on Equity (ROE) | 7.4146% | 3,411 |
| Retained earnings to average equity (ytd only) | 4.4448% | 3,344 |
| Net charge-offs to loans | 0.0177% | 3,867 |
| Credit loss provision to net charge-offs | -666.6667% | 5,641 |
| Earnings coverage of net charge-offs (x) | 308.0000% | 223 |
| Efficiency ratio | 78.6624% | 2,209 |
| Assets per employee ($millions) | 9.2895% | 299 |
| Cash dividends to net income (ytd only)* | 40.0534% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4618% | 6,453 |
| Loan loss allowance to noncurrent loans | 38.9140% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 5,733 |
| Noncurrent loans to loans | 1.1867% | 2,859 |
| Net loans and leases to total assets | 11.6107% | 6,591 |
| Net loans and leases to deposits | 13.4031% | 6,596 |
| Net loans and leases to core deposits | 35.0442% | 6,352 |
| Total domestic deposits to total assets | 45.1121% | 6,603 |
| Equity capital to assets | 6.4647% | 6,500 |
| Core capital (leverage) ratio | 5.4026% | 6,569 |
| Tier 1 risk-based capital ratio | 12.6085% | 5,152 |
| Total risk-based capital ratio | 12.8370% | 5,708 |
| Memoranda: | ||
| Average total assets | $301,373,333,330 | 7 |
| Average earning assets | $268,591,666,670 | 7 |
| Average equity | $20,203,333,330 | 14 |
| Average total loans | $33,832,333,330 | 33 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0247% | 6,699 |
| Cost of funding earning assets | 0.0724% | 6,620 |
| Net interest margin | 0.9523% | 6,694 |
| Noninterest income to average assets | 2.3174% | 265 |
| Noninterest expense to average assets | 2.4938% | 4,642 |
| Loan and lease loss provision to assets | -0.0164% | 6,416 |
| Net operating income to assets | 0.5618% | 4,405 |
| Return on assets (ROA) | 0.5677% | 4,439 |
| Pretax return on assets | 0.6949% | 4,507 |
| Return on Equity (ROE) | 8.3069% | 2,792 |
| Retained earnings to average equity (ytd only) | 5.3044% | 2,916 |
| Net charge-offs to loans | 0.0125% | 3,357 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,372 |
| Earnings coverage of net charge-offs (x) | 489.0000% | 82 |
| Efficiency ratio | 77.4221% | 2,571 |
| Assets per employee ($millions) | 8.3469% | 419 |
| Cash dividends to net income (ytd only)* | 36.1446% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5436% | 6,463 |
| Loan loss allowance to noncurrent loans | 40.3548% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 5,770 |
| Noncurrent loans to loans | 1.3471% | 2,789 |
| Net loans and leases to total assets | 11.5544% | 6,664 |
| Net loans and leases to deposits | 13.6428% | 6,662 |
| Net loans and leases to core deposits | 39.2630% | 6,263 |
| Total domestic deposits to total assets | 42.4792% | 6,675 |
| Equity capital to assets | 7.0224% | 6,442 |
| Core capital (leverage) ratio | 5.5947% | 6,622 |
| Tier 1 risk-based capital ratio | 15.9396% | 3,195 |
| Total risk-based capital ratio | 16.5528% | 3,500 |
| Memoranda: | ||
| Average total assets | $292,401,000,000 | 7 |
| Average earning assets | $259,578,000,000 | 7 |
| Average equity | $19,983,500,000 | 13 |
| Average total loans | $32,125,000,000 | 33 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0932% | 6,768 |
| Cost of funding earning assets | 0.0632% | 6,739 |
| Net interest margin | 1.0301% | 6,759 |
| Noninterest income to average assets | 2.3937% | 298 |
| Noninterest expense to average assets | 2.6165% | 4,401 |
| Loan and lease loss provision to assets | -0.0147% | 6,287 |
| Net operating income to assets | 0.3144% | 5,473 |
| Return on assets (ROA) | 0.3268% | 5,535 |
| Pretax return on assets | 0.7301% | 4,416 |
| Return on Equity (ROE) | 4.8684% | 4,685 |
| Retained earnings to average equity (ytd only) | 0.9591% | 5,409 |
| Net charge-offs to loans | 0.0198% | 5,040 |
| Credit loss provision to net charge-offs | -700.0000% | 6,189 |
| Earnings coverage of net charge-offs (x) | 328.6667% | 135 |
| Efficiency ratio | 77.5368% | 2,536 |
| Assets per employee ($millions) | 8.5184% | 392 |
| Cash dividends to net income (ytd only)* | 80.2998% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6337% | 6,438 |
| Loan loss allowance to noncurrent loans | 134.4828% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 6,224 |
| Noncurrent loans to loans | 0.4712% | 4,821 |
| Net loans and leases to total assets | 10.3079% | 6,747 |
| Net loans and leases to deposits | 12.0919% | 6,750 |
| Net loans and leases to core deposits | 33.1257% | 6,530 |
| Total domestic deposits to total assets | 44.1216% | 6,757 |
| Equity capital to assets | 6.6515% | 6,542 |
| Core capital (leverage) ratio | 5.2560% | 6,703 |
| Tier 1 risk-based capital ratio | 14.6117% | 3,893 |
| Total risk-based capital ratio | 15.0506% | 4,385 |
| Memoranda: | ||
| Average total assets | $285,838,200,000 | 7 |
| Average earning assets | $253,288,400,000 | 7 |
| Average equity | $19,184,800,000 | 14 |
| Average total loans | $30,377,800,000 | 34 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1067% | 6,852 |
| Cost of funding earning assets | 0.0622% | 6,825 |
| Net interest margin | 1.0444% | 6,844 |
| Noninterest income to average assets | 2.4454% | 300 |
| Noninterest expense to average assets | 2.6304% | 4,277 |
| Loan and lease loss provision to assets | -0.0202% | 6,490 |
| Net operating income to assets | 0.2771% | 5,683 |
| Return on assets (ROA) | 0.2887% | 5,761 |
| Pretax return on assets | 0.7840% | 4,356 |
| Return on Equity (ROE) | 4.2907% | 5,076 |
| Retained earnings to average equity (ytd only) | -0.9589% | 6,129 |
| Net charge-offs to loans | 0.0264% | 4,596 |
| Credit loss provision to net charge-offs | -716.6667% | 6,126 |
| Earnings coverage of net charge-offs (x) | 261.6667% | 224 |
| Efficiency ratio | 76.4394% | 2,660 |
| Assets per employee ($millions) | 8.4108% | 393 |
| Cash dividends to net income (ytd only)* | 122.3491% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6348% | 6,522 |
| Loan loss allowance to noncurrent loans | 119.0184% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 6,249 |
| Noncurrent loans to loans | 0.5334% | 4,860 |
| Net loans and leases to total assets | 10.4184% | 6,832 |
| Net loans and leases to deposits | 12.2149% | 6,832 |
| Net loans and leases to core deposits | 34.5417% | 6,598 |
| Total domestic deposits to total assets | 43.4476% | 6,834 |
| Equity capital to assets | 6.5223% | 6,641 |
| Core capital (leverage) ratio | 5.3486% | 6,768 |
| Tier 1 risk-based capital ratio | 14.3303% | 4,197 |
| Total risk-based capital ratio | 14.8357% | 4,659 |
| Memoranda: | ||
| Average total assets | $283,141,250,000 | 7 |
| Average earning assets | $250,599,750,000 | 7 |
| Average equity | $19,048,500,000 | 14 |
| Average total loans | $30,279,500,000 | 32 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1041% | 6,901 |
| Cost of funding earning assets | 0.0645% | 6,874 |
| Net interest margin | 1.0397% | 6,893 |
| Noninterest income to average assets | 2.4390% | 333 |
| Noninterest expense to average assets | 2.6630% | 4,170 |
| Loan and lease loss provision to assets | -0.0264% | 6,607 |
| Net operating income to assets | -0.0615% | 6,369 |
| Return on assets (ROA) | -0.0492% | 6,406 |
| Pretax return on assets | 0.7483% | 4,509 |
| Return on Equity (ROE) | -0.7240% | 6,429 |
| Retained earnings to average equity (ytd only) | -5.9703% | 6,512 |
| Net charge-offs to loans | 0.0464% | 4,033 |
| Credit loss provision to net charge-offs | -528.5714% | 5,918 |
| Earnings coverage of net charge-offs (x) | 139.4286% | 354 |
| Efficiency ratio | 77.5324% | 2,537 |
| Assets per employee ($millions) | 8.2018% | 425 |
| Cash dividends to net income (ytd only)* | -724.6377% | 6,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6248% | 6,582 |
| Loan loss allowance to noncurrent loans | 103.1088% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 6,262 |
| Noncurrent loans to loans | 0.6059% | 4,739 |
| Net loans and leases to total assets | 11.2508% | 6,872 |
| Net loans and leases to deposits | 13.3647% | 6,879 |
| Net loans and leases to core deposits | 39.2849% | 6,497 |
| Total domestic deposits to total assets | 42.3219% | 6,886 |
| Equity capital to assets | 6.5757% | 6,672 |
| Core capital (leverage) ratio | 5.2582% | 6,810 |
| Tier 1 risk-based capital ratio | 13.4453% | 4,809 |
| Total risk-based capital ratio | 13.9376% | 5,304 |
| Memoranda: | ||
| Average total assets | $280,363,333,330 | 7 |
| Average earning assets | $248,159,000,000 | 7 |
| Average equity | $19,061,000,000 | 14 |
| Average total loans | $30,185,666,670 | 32 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0884% | 6,984 |
| Cost of funding earning assets | 0.0676% | 6,955 |
| Net interest margin | 1.0208% | 6,977 |
| Noninterest income to average assets | 2.3625% | 342 |
| Noninterest expense to average assets | 2.6383% | 4,281 |
| Loan and lease loss provision to assets | -0.0357% | 6,774 |
| Net operating income to assets | -0.7295% | 6,746 |
| Return on assets (ROA) | -0.7217% | 6,757 |
| Pretax return on assets | 0.6846% | 4,640 |
| Return on Equity (ROE) | -10.4439% | 6,814 |
| Retained earnings to average equity (ytd only) | -15.6141% | 6,760 |
| Net charge-offs to loans | 0.0545% | 3,282 |
| Credit loss provision to net charge-offs | -625.0000% | 5,533 |
| Earnings coverage of net charge-offs (x) | 110.2500% | 348 |
| Efficiency ratio | 79.0993% | 2,458 |
| Assets per employee ($millions) | 8.2811% | 439 |
| Cash dividends to net income (ytd only)* | -49.5050% | 6,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6968% | 6,605 |
| Loan loss allowance to noncurrent loans | 100.4695% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 6,339 |
| Noncurrent loans to loans | 0.6936% | 4,738 |
| Net loans and leases to total assets | 10.9975% | 6,949 |
| Net loans and leases to deposits | 13.0778% | 6,953 |
| Net loans and leases to core deposits | 37.8178% | 6,567 |
| Total domestic deposits to total assets | 43.2054% | 6,962 |
| Equity capital to assets | 6.8444% | 6,740 |
| Core capital (leverage) ratio | 5.2049% | 6,864 |
| Tier 1 risk-based capital ratio | 13.0385% | 5,189 |
| Total risk-based capital ratio | 13.5873% | 5,643 |
| Memoranda: | ||
| Average total assets | $279,875,500,000 | 7 |
| Average earning assets | $248,442,500,000 | 7 |
| Average equity | $19,341,500,000 | 14 |
| Average total loans | $29,352,500,000 | 32 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3189% | 7,034 |
| Cost of funding earning assets | 0.1201% | 6,973 |
| Net interest margin | 1.1988% | 7,021 |
| Noninterest income to average assets | 2.5801% | 305 |
| Noninterest expense to average assets | 2.9902% | 3,312 |
| Loan and lease loss provision to assets | -0.0410% | 6,860 |
| Net operating income to assets | 0.4826% | 4,755 |
| Return on assets (ROA) | 0.5111% | 4,906 |
| Pretax return on assets | 0.7308% | 4,555 |
| Return on Equity (ROE) | 6.9862% | 3,643 |
| Retained earnings to average equity (ytd only) | 4.3419% | 3,174 |
| Net charge-offs to loans | 0.0917% | 4,756 |
| Credit loss provision to net charge-offs | -424.0000% | 6,495 |
| Earnings coverage of net charge-offs (x) | 66.5600% | 541 |
| Efficiency ratio | 80.5813% | 2,071 |
| Assets per employee ($millions) | 8.3707% | 428 |
| Cash dividends to net income (ytd only)* | 37.8501% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8680% | 6,350 |
| Loan loss allowance to noncurrent loans | 110.9589% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 6,379 |
| Noncurrent loans to loans | 0.7823% | 4,616 |
| Net loans and leases to total assets | 9.8253% | 7,017 |
| Net loans and leases to deposits | 11.5896% | 7,019 |
| Net loans and leases to core deposits | 30.4261% | 6,839 |
| Total domestic deposits to total assets | 45.7777% | 7,021 |
| Equity capital to assets | 6.9759% | 6,775 |
| Core capital (leverage) ratio | 5.3701% | 6,907 |
| Tier 1 risk-based capital ratio | 14.0385% | 4,360 |
| Total risk-based capital ratio | 14.6301% | 4,788 |
| Memoranda: | ||
| Average total assets | $258,479,600,000 | 7 |
| Average earning assets | $227,227,400,000 | 7 |
| Average equity | $18,908,600,000 | 15 |
| Average total loans | $27,268,200,000 | 35 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3808% | 7,140 |
| Cost of funding earning assets | 0.1331% | 7,070 |
| Net interest margin | 1.2477% | 7,126 |
| Noninterest income to average assets | 2.6065% | 302 |
| Noninterest expense to average assets | 3.0575% | 3,030 |
| Loan and lease loss provision to assets | -0.0227% | 6,965 |
| Net operating income to assets | 0.4761% | 4,924 |
| Return on assets (ROA) | 0.5017% | 5,102 |
| Pretax return on assets | 0.7071% | 4,834 |
| Return on Equity (ROE) | 6.7698% | 3,922 |
| Retained earnings to average equity (ytd only) | 4.6320% | 3,639 |
| Net charge-offs to loans | 0.0886% | 4,493 |
| Credit loss provision to net charge-offs | -238.8889% | 6,353 |
| Earnings coverage of net charge-offs (x) | 67.6667% | 600 |
| Efficiency ratio | 80.9075% | 1,953 |
| Assets per employee ($millions) | 7.9766% | 482 |
| Cash dividends to net income (ytd only)* | 31.5789% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 5,701 |
| Loan loss allowance to noncurrent loans | 127.7551% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 6,475 |
| Noncurrent loans to loans | 0.8654% | 4,689 |
| Net loans and leases to total assets | 10.5666% | 7,112 |
| Net loans and leases to deposits | 12.8248% | 7,117 |
| Net loans and leases to core deposits | 36.7187% | 6,842 |
| Total domestic deposits to total assets | 40.9954% | 7,128 |
| Equity capital to assets | 7.4277% | 6,785 |
| Core capital (leverage) ratio | 5.5274% | 6,977 |
| Tier 1 risk-based capital ratio | 14.0997% | 4,457 |
| Total risk-based capital ratio | 14.8408% | 4,780 |
| Memoranda: | ||
| Average total assets | $252,488,750,000 | 7 |
| Average earning assets | $221,411,250,000 | 7 |
| Average equity | $18,710,000,000 | 15 |
| Average total loans | $27,086,750,000 | 36 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4136% | 7,208 |
| Cost of funding earning assets | 0.1575% | 7,101 |
| Net interest margin | 1.2561% | 7,192 |
| Noninterest income to average assets | 2.6352% | 279 |
| Noninterest expense to average assets | 3.2111% | 2,554 |
| Loan and lease loss provision to assets | -0.0193% | 7,042 |
| Net operating income to assets | 0.3802% | 5,298 |
| Return on assets (ROA) | 0.4164% | 5,385 |
| Pretax return on assets | 0.5992% | 5,137 |
| Return on Equity (ROE) | 5.6237% | 4,515 |
| Retained earnings to average equity (ytd only) | 3.9921% | 3,957 |
| Net charge-offs to loans | 0.1124% | 4,055 |
| Credit loss provision to net charge-offs | -160.0000% | 6,113 |
| Earnings coverage of net charge-offs (x) | 43.2667% | 824 |
| Efficiency ratio | 84.2537% | 1,601 |
| Assets per employee ($millions) | 7.8226% | 510 |
| Cash dividends to net income (ytd only)* | 29.0135% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 5,326 |
| Loan loss allowance to noncurrent loans | 127.3764% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 6,512 |
| Noncurrent loans to loans | 0.9476% | 4,615 |
| Net loans and leases to total assets | 10.5833% | 7,178 |
| Net loans and leases to deposits | 12.6663% | 7,180 |
| Net loans and leases to core deposits | 31.5919% | 6,998 |
| Total domestic deposits to total assets | 45.1343% | 7,190 |
| Equity capital to assets | 7.2062% | 6,866 |
| Core capital (leverage) ratio | 5.6698% | 7,014 |
| Tier 1 risk-based capital ratio | 13.7295% | 4,638 |
| Total risk-based capital ratio | 14.4842% | 4,988 |
| Memoranda: | ||
| Average total assets | $248,329,666,670 | 7 |
| Average earning assets | $217,177,666,670 | 7 |
| Average equity | $18,386,333,330 | 15 |
| Average total loans | $26,678,666,670 | 36 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4886% | 7,267 |
| Cost of funding earning assets | 0.1797% | 7,135 |
| Net interest margin | 1.3089% | 7,255 |
| Noninterest income to average assets | 2.6655% | 277 |
| Noninterest expense to average assets | 3.0573% | 3,060 |
| Loan and lease loss provision to assets | -0.0412% | 7,138 |
| Net operating income to assets | 0.4990% | 4,836 |
| Return on assets (ROA) | 0.5301% | 4,898 |
| Pretax return on assets | 0.8446% | 4,248 |
| Return on Equity (ROE) | 7.0595% | 3,754 |
| Retained earnings to average equity (ytd only) | 7.0595% | 2,404 |
| Net charge-offs to loans | 0.1071% | 3,486 |
| Credit loss provision to net charge-offs | -357.1429% | 5,712 |
| Earnings coverage of net charge-offs (x) | 64.8571% | 518 |
| Efficiency ratio | 78.6240% | 2,410 |
| Assets per employee ($millions) | 7.0363% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3587% | 4,772 |
| Loan loss allowance to noncurrent loans | 116.3265% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.1419% | 6,533 |
| Noncurrent loans to loans | 1.1680% | 4,377 |
| Net loans and leases to total assets | 10.8090% | 7,233 |
| Net loans and leases to deposits | 13.2353% | 7,237 |
| Net loans and leases to core deposits | 38.1882% | 6,877 |
| Total domestic deposits to total assets | 41.3203% | 7,258 |
| Equity capital to assets | 8.0887% | 6,450 |
| Core capital (leverage) ratio | 5.7463% | 7,062 |
| Tier 1 risk-based capital ratio | 14.7514% | 3,923 |
| Total risk-based capital ratio | 18.0347% | 2,726 |
| Memoranda: | ||
| Average total assets | $242,960,000,000 | 7 |
| Average earning assets | $211,475,500,000 | 7 |
| Average equity | $18,245,000,000 | 15 |
| Average total loans | $26,141,500,000 | 36 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6416% | 7,309 |
| Cost of funding earning assets | 0.2672% | 7,155 |
| Net interest margin | 1.3744% | 7,296 |
| Noninterest income to average assets | 2.9820% | 214 |
| Noninterest expense to average assets | 3.2484% | 2,696 |
| Loan and lease loss provision to assets | -0.0155% | 7,221 |
| Net operating income to assets | 0.7258% | 3,352 |
| Return on assets (ROA) | 0.7237% | 3,543 |
| Pretax return on assets | 0.9266% | 3,529 |
| Return on Equity (ROE) | 9.6817% | 2,174 |
| Retained earnings to average equity (ytd only) | 9.6817% | 633 |
| Net charge-offs to loans | 0.2812% | 4,016 |
| Credit loss provision to net charge-offs | -47.9452% | 6,662 |
| Earnings coverage of net charge-offs (x) | 28.0685% | 884 |
| Efficiency ratio | 76.1986% | 2,861 |
| Assets per employee ($millions) | 7.8552% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3795% | 4,559 |
| Loan loss allowance to noncurrent loans | 119.8718% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.1265% | 6,634 |
| Noncurrent loans to loans | 1.1508% | 4,446 |
| Net loans and leases to total assets | 10.4358% | 7,289 |
| Net loans and leases to deposits | 12.5150% | 7,291 |
| Net loans and leases to core deposits | 27.8001% | 7,179 |
| Total domestic deposits to total assets | 49.9522% | 7,286 |
| Equity capital to assets | 6.9901% | 6,968 |
| Core capital (leverage) ratio | 5.2606% | 7,119 |
| Tier 1 risk-based capital ratio | 14.3101% | 4,101 |
| Total risk-based capital ratio | 17.6979% | 2,810 |
| Memoranda: | ||
| Average total assets | $225,221,000,000 | 7 |
| Average earning assets | $192,741,000,000 | 7 |
| Average equity | $16,835,800,000 | 17 |
| Average total loans | $25,957,200,000 | 36 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6983% | 7,384 |
| Cost of funding earning assets | 0.2875% | 7,226 |
| Net interest margin | 1.4108% | 7,372 |
| Noninterest income to average assets | 3.1322% | 203 |
| Noninterest expense to average assets | 3.3272% | 2,413 |
| Loan and lease loss provision to assets | -0.0368% | 7,319 |
| Net operating income to assets | 0.7021% | 3,611 |
| Return on assets (ROA) | 0.7001% | 3,789 |
| Pretax return on assets | 1.0465% | 3,229 |
| Return on Equity (ROE) | 9.1905% | 2,510 |
| Retained earnings to average equity (ytd only) | 9.1905% | 1,082 |
| Net charge-offs to loans | 0.2545% | 3,846 |
| Credit loss provision to net charge-offs | -122.4490% | 6,542 |
| Earnings coverage of net charge-offs (x) | 33.4694% | 867 |
| Efficiency ratio | 74.8550% | 3,029 |
| Assets per employee ($millions) | 7.5441% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 5,066 |
| Loan loss allowance to noncurrent loans | 114.7692% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.1332% | 6,712 |
| Noncurrent loans to loans | 1.1213% | 4,669 |
| Net loans and leases to total assets | 11.3748% | 7,356 |
| Net loans and leases to deposits | 13.8851% | 7,360 |
| Net loans and leases to core deposits | 34.2290% | 7,159 |
| Total domestic deposits to total assets | 46.0189% | 7,367 |
| Equity capital to assets | 7.1049% | 7,033 |
| Core capital (leverage) ratio | 5.1100% | 7,227 |
| Tier 1 risk-based capital ratio | 13.4794% | 4,751 |
| Total risk-based capital ratio | 17.0338% | 3,190 |
| Memoranda: | ||
| Average total assets | $217,475,000,000 | 7 |
| Average earning assets | $185,041,750,000 | 7 |
| Average equity | $16,567,500,000 | 17 |
| Average total loans | $25,668,750,000 | 35 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7841% | 7,460 |
| Cost of funding earning assets | 0.3272% | 7,265 |
| Net interest margin | 1.4569% | 7,449 |
| Noninterest income to average assets | 3.2330% | 208 |
| Noninterest expense to average assets | 3.4979% | 1,984 |
| Loan and lease loss provision to assets | -0.0243% | 7,382 |
| Net operating income to assets | 0.6839% | 3,634 |
| Return on assets (ROA) | 0.6908% | 3,704 |
| Pretax return on assets | 1.0169% | 3,173 |
| Return on Equity (ROE) | 8.8266% | 2,590 |
| Retained earnings to average equity (ytd only) | 8.8266% | 1,167 |
| Net charge-offs to loans | 0.2931% | 3,410 |
| Credit loss provision to net charge-offs | -69.4444% | 6,281 |
| Earnings coverage of net charge-offs (x) | 27.9167% | 979 |
| Efficiency ratio | 76.1822% | 2,982 |
| Assets per employee ($millions) | 7.1509% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6496% | 3,495 |
| Loan loss allowance to noncurrent loans | 134.9359% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.1354% | 6,749 |
| Noncurrent loans to loans | 1.2225% | 4,619 |
| Net loans and leases to total assets | 10.6212% | 7,439 |
| Net loans and leases to deposits | 12.9096% | 7,446 |
| Net loans and leases to core deposits | 35.8222% | 7,223 |
| Total domestic deposits to total assets | 44.6981% | 7,442 |
| Equity capital to assets | 7.0829% | 7,081 |
| Core capital (leverage) ratio | 5.3101% | 7,274 |
| Tier 1 risk-based capital ratio | 12.1144% | 5,698 |
| Total risk-based capital ratio | 15.6926% | 3,801 |
| Memoranda: | ||
| Average total assets | $206,123,666,670 | 7 |
| Average earning assets | $175,439,333,330 | 7 |
| Average equity | $16,133,000,000 | 18 |
| Average total loans | $24,563,666,670 | 36 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8606% | 7,513 |
| Cost of funding earning assets | 0.3146% | 7,364 |
| Net interest margin | 1.5460% | 7,499 |
| Noninterest income to average assets | 3.3651% | 189 |
| Noninterest expense to average assets | 3.6876% | 1,559 |
| Loan and lease loss provision to assets | -0.0314% | 7,461 |
| Net operating income to assets | 0.7462% | 3,293 |
| Return on assets (ROA) | 0.7371% | 3,405 |
| Pretax return on assets | 1.0093% | 3,101 |
| Return on Equity (ROE) | 8.8945% | 2,513 |
| Retained earnings to average equity (ytd only) | 8.8945% | 1,410 |
| Net charge-offs to loans | 0.2989% | 2,851 |
| Credit loss provision to net charge-offs | -83.3333% | 5,701 |
| Earnings coverage of net charge-offs (x) | 26.1111% | 934 |
| Efficiency ratio | 76.8265% | 3,010 |
| Assets per employee ($millions) | 6.1505% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8064% | 2,993 |
| Loan loss allowance to noncurrent loans | 133.6310% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 6,732 |
| Noncurrent loans to loans | 1.3518% | 4,456 |
| Net loans and leases to total assets | 12.1883% | 7,488 |
| Net loans and leases to deposits | 15.4374% | 7,492 |
| Net loans and leases to core deposits | 59.5104% | 6,138 |
| Total domestic deposits to total assets | 35.2501% | 7,522 |
| Equity capital to assets | 8.0685% | 6,427 |
| Core capital (leverage) ratio | 5.5960% | 7,303 |
| Tier 1 risk-based capital ratio | 11.8730% | 5,802 |
| Total risk-based capital ratio | 15.6161% | 3,791 |
| Memoranda: | ||
| Average total assets | $191,020,500,000 | 8 |
| Average earning assets | $161,450,500,000 | 9 |
| Average equity | $15,830,000,000 | 19 |
| Average total loans | $24,084,500,000 | 36 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1122% | 7,558 |
| Cost of funding earning assets | 0.3122% | 7,493 |
| Net interest margin | 1.8000% | 7,503 |
| Noninterest income to average assets | 3.5531% | 191 |
| Noninterest expense to average assets | 3.6439% | 1,815 |
| Loan and lease loss provision to assets | 0.0434% | 6,729 |
| Net operating income to assets | 0.9067% | 2,356 |
| Return on assets (ROA) | 0.8956% | 2,541 |
| Pretax return on assets | 1.3642% | 1,755 |
| Return on Equity (ROE) | 10.7109% | 1,679 |
| Retained earnings to average equity (ytd only) | 10.0273% | 522 |
| Net charge-offs to loans | 0.2818% | 4,610 |
| Credit loss provision to net charge-offs | 110.1449% | 3,996 |
| Earnings coverage of net charge-offs (x) | 35.8841% | 635 |
| Efficiency ratio | 70.1649% | 4,142 |
| Assets per employee ($millions) | 5.6045% | 1,494 |
| Cash dividends to net income (ytd only)* | 6.3816% | 3,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0675% | 2,138 |
| Loan loss allowance to noncurrent loans | 138.5057% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 6,735 |
| Noncurrent loans to loans | 1.4927% | 4,238 |
| Net loans and leases to total assets | 12.5589% | 7,577 |
| Net loans and leases to deposits | 16.2336% | 7,577 |
| Net loans and leases to core deposits | 57.6759% | 6,588 |
| Total domestic deposits to total assets | 36.1259% | 7,593 |
| Equity capital to assets | 8.5279% | 5,815 |
| Core capital (leverage) ratio | 5.3206% | 7,380 |
| Tier 1 risk-based capital ratio | 11.4487% | 5,951 |
| Total risk-based capital ratio | 15.2794% | 3,817 |
| Memoranda: | ||
| Average total assets | $174,976,000,000 | 9 |
| Average earning assets | $146,390,400,000 | 9 |
| Average equity | $14,630,000,000 | 20 |
| Average total loans | $24,488,600,000 | 35 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1156% | 7,684 |
| Cost of funding earning assets | 0.2834% | 7,644 |
| Net interest margin | 1.8322% | 7,622 |
| Noninterest income to average assets | 3.4373% | 189 |
| Noninterest expense to average assets | 3.5127% | 2,011 |
| Loan and lease loss provision to assets | 0.0731% | 6,326 |
| Net operating income to assets | 0.9130% | 2,560 |
| Return on assets (ROA) | 0.9057% | 2,730 |
| Pretax return on assets | 1.3820% | 1,935 |
| Return on Equity (ROE) | 10.8890% | 1,824 |
| Retained earnings to average equity (ytd only) | 10.8890% | 621 |
| Net charge-offs to loans | 0.2851% | 4,232 |
| Credit loss provision to net charge-offs | 179.2453% | 2,052 |
| Earnings coverage of net charge-offs (x) | 35.7170% | 761 |
| Efficiency ratio | 68.8758% | 4,292 |
| Assets per employee ($millions) | 5.8913% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0675% | 2,073 |
| Loan loss allowance to noncurrent loans | 77.7444% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.3522% | 6,506 |
| Noncurrent loans to loans | 2.6594% | 2,973 |
| Net loans and leases to total assets | 12.8340% | 7,677 |
| Net loans and leases to deposits | 16.8171% | 7,683 |
| Net loans and leases to core deposits | 63.5995% | 6,327 |
| Total domestic deposits to total assets | 33.9972% | 7,693 |
| Equity capital to assets | 8.0896% | 6,721 |
| Core capital (leverage) ratio | 5.5757% | 7,487 |
| Tier 1 risk-based capital ratio | 10.4427% | 6,810 |
| Total risk-based capital ratio | 14.2326% | 4,564 |
| Memoranda: | ||
| Average total assets | $173,272,000,000 | 9 |
| Average earning assets | $144,888,000,000 | 9 |
| Average equity | $14,411,750,000 | 20 |
| Average total loans | $24,782,500,000 | 35 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1756% | 7,762 |
| Cost of funding earning assets | 0.2830% | 7,720 |
| Net interest margin | 1.8927% | 7,671 |
| Noninterest income to average assets | 3.4511% | 193 |
| Noninterest expense to average assets | 3.4356% | 2,180 |
| Loan and lease loss provision to assets | 0.1039% | 5,878 |
| Net operating income to assets | 1.0113% | 2,150 |
| Return on assets (ROA) | 1.0106% | 2,227 |
| Pretax return on assets | 1.5099% | 1,534 |
| Return on Equity (ROE) | 12.0253% | 1,446 |
| Retained earnings to average equity (ytd only) | 12.0253% | 485 |
| Net charge-offs to loans | 0.2995% | 3,819 |
| Credit loss provision to net charge-offs | 235.1351% | 1,643 |
| Earnings coverage of net charge-offs (x) | 36.3243% | 795 |
| Efficiency ratio | 66.4929% | 4,882 |
| Assets per employee ($millions) | 6.3311% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0842% | 1,995 |
| Loan loss allowance to noncurrent loans | 78.3582% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 0.3842% | 6,475 |
| Noncurrent loans to loans | 2.6599% | 2,980 |
| Net loans and leases to total assets | 14.0187% | 7,734 |
| Net loans and leases to deposits | 17.5875% | 7,742 |
| Net loans and leases to core deposits | 57.7017% | 6,850 |
| Total domestic deposits to total assets | 38.4850% | 7,759 |
| Equity capital to assets | 8.3479% | 6,362 |
| Core capital (leverage) ratio | 6.6340% | 7,336 |
| Tier 1 risk-based capital ratio | 12.4731% | 4,883 |
| Total risk-based capital ratio | 16.4843% | 3,001 |
| Memoranda: | ||
| Average total assets | $167,425,000,000 | 9 |
| Average earning assets | $140,649,000,000 | 9 |
| Average equity | $14,070,333,330 | 20 |
| Average total loans | $24,708,000,000 | 35 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2582% | 7,864 |
| Cost of funding earning assets | 0.2834% | 7,826 |
| Net interest margin | 1.9748% | 7,728 |
| Noninterest income to average assets | 3.4100% | 189 |
| Noninterest expense to average assets | 3.4663% | 2,064 |
| Loan and lease loss provision to assets | 0.1397% | 5,153 |
| Net operating income to assets | 1.0388% | 2,037 |
| Return on assets (ROA) | 1.0419% | 2,088 |
| Pretax return on assets | 1.4733% | 1,584 |
| Return on Equity (ROE) | 12.3529% | 1,404 |
| Retained earnings to average equity (ytd only) | 12.3529% | 701 |
| Net charge-offs to loans | 0.3924% | 2,867 |
| Credit loss provision to net charge-offs | 237.5000% | 1,613 |
| Earnings coverage of net charge-offs (x) | 27.2083% | 940 |
| Efficiency ratio | 66.7150% | 4,971 |
| Assets per employee ($millions) | 5.9055% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2177% | 1,716 |
| Loan loss allowance to noncurrent loans | 70.3601% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 0.4486% | 6,342 |
| Noncurrent loans to loans | 3.1519% | 2,547 |
| Net loans and leases to total assets | 13.8211% | 7,840 |
| Net loans and leases to deposits | 17.2965% | 7,848 |
| Net loans and leases to core deposits | 71.2119% | 5,803 |
| Total domestic deposits to total assets | 34.1254% | 7,868 |
| Equity capital to assets | 8.7317% | 5,688 |
| Core capital (leverage) ratio | 6.5834% | 7,435 |
| Tier 1 risk-based capital ratio | 12.2606% | 4,935 |
| Total risk-based capital ratio | 16.2966% | 3,055 |
| Memoranda: | ||
| Average total assets | $163,169,500,000 | 8 |
| Average earning assets | $136,926,000,000 | 10 |
| Average equity | $13,762,000,000 | 20 |
| Average total loans | $24,467,500,000 | 35 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1967% | 7,921 |
| Cost of funding earning assets | 0.2833% | 7,911 |
| Net interest margin | 1.9134% | 7,775 |
| Noninterest income to average assets | 3.3132% | 206 |
| Noninterest expense to average assets | 3.3091% | 2,985 |
| Loan and lease loss provision to assets | 0.1739% | 5,957 |
| Net operating income to assets | 1.0024% | 1,831 |
| Return on assets (ROA) | -0.8719% | 6,492 |
| Pretax return on assets | -1.5082% | 6,709 |
| Return on Equity (ROE) | -11.9585% | 6,764 |
| Retained earnings to average equity (ytd only) | -15.8748% | 6,931 |
| Net charge-offs to loans | 0.6107% | 3,385 |
| Credit loss provision to net charge-offs | 166.2921% | 2,615 |
| Earnings coverage of net charge-offs (x) | 15.1404% | 1,325 |
| Efficiency ratio | 65.7380% | 5,450 |
| Assets per employee ($millions) | 5.9162% | 1,308 |
| Cash dividends to net income (ytd only)* | -32.7493% | 7,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8250% | 2,468 |
| Loan loss allowance to noncurrent loans | 51.9126% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 0.5594% | 6,055 |
| Noncurrent loans to loans | 3.5154% | 2,161 |
| Net loans and leases to total assets | 15.5550% | 7,904 |
| Net loans and leases to deposits | 19.0546% | 7,916 |
| Net loans and leases to core deposits | 70.8212% | 6,722 |
| Total domestic deposits to total assets | 37.1237% | 7,938 |
| Equity capital to assets | 8.1406% | 6,417 |
| Core capital (leverage) ratio | 6.2807% | 7,561 |
| Tier 1 risk-based capital ratio | 11.1911% | 5,732 |
| Total risk-based capital ratio | 15.0042% | 3,600 |
| Memoranda: | ||
| Average total assets | $170,197,400,000 | 10 |
| Average earning assets | $140,486,200,000 | 9 |
| Average equity | $12,409,600,000 | 22 |
| Average total loans | $29,146,400,000 | 33 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2033% | 8,025 |
| Cost of funding earning assets | 0.2991% | 8,006 |
| Net interest margin | 1.9042% | 7,849 |
| Noninterest income to average assets | 3.3115% | 200 |
| Noninterest expense to average assets | 3.2246% | 3,217 |
| Loan and lease loss provision to assets | 0.1716% | 5,646 |
| Net operating income to assets | 1.1050% | 1,719 |
| Return on assets (ROA) | -1.3847% | 7,051 |
| Pretax return on assets | -2.3967% | 7,312 |
| Return on Equity (ROE) | -19.5359% | 7,358 |
| Retained earnings to average equity (ytd only) | -24.8609% | 7,479 |
| Net charge-offs to loans | 0.6728% | 2,675 |
| Credit loss provision to net charge-offs | 146.3576% | 3,320 |
| Earnings coverage of net charge-offs (x) | 14.1060% | 1,625 |
| Efficiency ratio | 64.1993% | 5,708 |
| Assets per employee ($millions) | 5.9824% | 1,228 |
| Cash dividends to net income (ytd only)* | -27.2574% | 7,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6268% | 2,885 |
| Loan loss allowance to noncurrent loans | 47.6563% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 0.5410% | 6,103 |
| Noncurrent loans to loans | 3.4136% | 2,203 |
| Net loans and leases to total assets | 15.5045% | 7,989 |
| Net loans and leases to deposits | 19.3627% | 8,000 |
| Net loans and leases to core deposits | 78.0303% | 6,488 |
| Total domestic deposits to total assets | 32.9665% | 8,026 |
| Equity capital to assets | 7.8036% | 7,038 |
| Core capital (leverage) ratio | 6.1092% | 7,781 |
| Tier 1 risk-based capital ratio | 10.3147% | 6,662 |
| Total risk-based capital ratio | 14.0534% | 4,262 |
| Memoranda: | ||
| Average total assets | $171,678,000,000 | 8 |
| Average earning assets | $141,300,500,000 | 8 |
| Average equity | $12,168,750,000 | 22 |
| Average total loans | $29,926,000,000 | 32 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2489% | 8,114 |
| Cost of funding earning assets | 0.3297% | 8,090 |
| Net interest margin | 1.9192% | 7,904 |
| Noninterest income to average assets | 3.2470% | 196 |
| Noninterest expense to average assets | 3.1812% | 3,387 |
| Loan and lease loss provision to assets | 0.1546% | 5,526 |
| Net operating income to assets | 1.0689% | 1,876 |
| Return on assets (ROA) | 0.7371% | 3,207 |
| Pretax return on assets | 1.0358% | 2,858 |
| Return on Equity (ROE) | 10.7458% | 1,768 |
| Retained earnings to average equity (ytd only) | 10.3422% | 661 |
| Net charge-offs to loans | 0.4944% | 2,851 |
| Credit loss provision to net charge-offs | 174.0260% | 2,641 |
| Earnings coverage of net charge-offs (x) | 18.5065% | 1,407 |
| Efficiency ratio | 63.9732% | 5,919 |
| Assets per employee ($millions) | 5.8373% | 1,317 |
| Cash dividends to net income (ytd only)* | 3.7559% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 3,661 |
| Loan loss allowance to noncurrent loans | 59.3974% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 0.4339% | 6,368 |
| Noncurrent loans to loans | 2.3774% | 3,037 |
| Net loans and leases to total assets | 17.8416% | 8,055 |
| Net loans and leases to deposits | 21.9822% | 8,069 |
| Net loans and leases to core deposits | 78.0282% | 6,546 |
| Total domestic deposits to total assets | 35.3864% | 8,112 |
| Equity capital to assets | 7.6085% | 7,170 |
| Core capital (leverage) ratio | 7.5479% | 6,963 |
| Tier 1 risk-based capital ratio | 11.8280% | 5,076 |
| Total risk-based capital ratio | 15.1376% | 3,520 |
| Memoranda: | ||
| Average total assets | $173,391,000,000 | 8 |
| Average earning assets | $142,559,000,000 | 8 |
| Average equity | $11,893,000,000 | 21 |
| Average total loans | $31,152,000,000 | 32 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3905% | 8,170 |
| Cost of funding earning assets | 0.4559% | 8,116 |
| Net interest margin | 1.9347% | 7,922 |
| Noninterest income to average assets | 3.3571% | 193 |
| Noninterest expense to average assets | 3.0555% | 3,535 |
| Loan and lease loss provision to assets | 0.1876% | 4,561 |
| Net operating income to assets | 1.2981% | 1,388 |
| Return on assets (ROA) | 1.0788% | 2,167 |
| Pretax return on assets | 1.4116% | 1,935 |
| Return on Equity (ROE) | 16.5461% | 749 |
| Retained earnings to average equity (ytd only) | 16.1350% | 327 |
| Net charge-offs to loans | 0.2869% | 2,968 |
| Credit loss provision to net charge-offs | 365.2174% | 1,398 |
| Earnings coverage of net charge-offs (x) | 36.8696% | 907 |
| Efficiency ratio | 59.9278% | 6,417 |
| Assets per employee ($millions) | 5.8566% | 1,283 |
| Cash dividends to net income (ytd only)* | 2.4845% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3350% | 3,886 |
| Loan loss allowance to noncurrent loans | 62.3881% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 0.4159% | 6,255 |
| Noncurrent loans to loans | 2.1398% | 3,067 |
| Net loans and leases to total assets | 18.9521% | 8,096 |
| Net loans and leases to deposits | 23.1616% | 8,117 |
| Net loans and leases to core deposits | 96.6403% | 4,885 |
| Total domestic deposits to total assets | 33.2834% | 8,163 |
| Equity capital to assets | 7.3494% | 7,457 |
| Core capital (leverage) ratio | 6.9016% | 7,695 |
| Tier 1 risk-based capital ratio | 12.1892% | 4,796 |
| Total risk-based capital ratio | 15.6722% | 3,276 |
| Memoranda: | ||
| Average total assets | $179,085,000,000 | 9 |
| Average earning assets | $147,415,500,000 | 8 |
| Average equity | $11,676,500,000 | 22 |
| Average total loans | $32,069,000,000 | 33 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8254% | 8,120 |
| Cost of funding earning assets | 1.8067% | 6,987 |
| Net interest margin | 2.0187% | 8,054 |
| Noninterest income to average assets | 4.6076% | 138 |
| Noninterest expense to average assets | 4.0752% | 1,314 |
| Loan and lease loss provision to assets | 0.0945% | 6,178 |
| Net operating income to assets | 1.4008% | 1,227 |
| Return on assets (ROA) | 0.7837% | 3,352 |
| Pretax return on assets | 1.1384% | 2,885 |
| Return on Equity (ROE) | 12.4090% | 1,477 |
| Retained earnings to average equity (ytd only) | 9.0330% | 603 |
| Net charge-offs to loans | 0.1735% | 4,464 |
| Credit loss provision to net charge-offs | 236.5079% | 2,001 |
| Earnings coverage of net charge-offs (x) | 53.0635% | 734 |
| Efficiency ratio | 64.0553% | 5,544 |
| Assets per employee ($millions) | 6.7519% | 789 |
| Cash dividends to net income (ytd only)* | 27.2065% | 4,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 5,364 |
| Loan loss allowance to noncurrent loans | 70.9742% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 0.2618% | 6,531 |
| Noncurrent loans to loans | 1.5323% | 3,494 |
| Net loans and leases to total assets | 16.6373% | 8,178 |
| Net loans and leases to deposits | 20.5789% | 8,193 |
| Net loans and leases to core deposits | 53.9853% | 7,804 |
| Total domestic deposits to total assets | 43.6997% | 8,170 |
| Equity capital to assets | 5.8274% | 8,090 |
| Core capital (leverage) ratio | 5.8607% | 8,117 |
| Tier 1 risk-based capital ratio | 11.2596% | 5,477 |
| Total risk-based capital ratio | 14.7452% | 3,722 |
| Memoranda: | ||
| Average total assets | $157,588,757,800 | 12 |
| Average earning assets | $124,039,470,200 | 11 |
| Average equity | $9,952,414,800 | 22 |
| Average total loans | $36,316,000,000 | 32 |