Home > The Huntington National Bank > Performance and Condition Ratios
The Huntington National Bank, Performance and Condition Ratios
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6460% | 1,814 |
| Cost of funding earning assets | 2.5271% | 1,125 |
| Net interest margin | 3.1189% | 2,856 |
| Noninterest income to average assets | 0.8700% | 778 |
| Noninterest expense to average assets | 2.1338% | 3,256 |
| Loan and lease loss provision to assets | 0.2100% | 556 |
| Net operating income to assets | 1.0892% | 1,792 |
| Return on assets (ROA) | 1.0668% | 1,864 |
| Pretax return on assets | 1.3145% | 1,731 |
| Return on Equity (ROE) | 11.5900% | 1,734 |
| Retained earnings to average equity (ytd only) | -1.7154% | 4,183 |
| Net charge-offs to loans | 0.2938% | 438 |
| Credit loss provision to net charge-offs | 92.7755% | 1,757 |
| Earnings coverage of net charge-offs (x) | 8.2435% | 2,224 |
| Efficiency ratio | 57.2498% | 3,435 |
| Assets per employee ($millions) | 10.5075% | 661 |
| Cash dividends to net income (ytd only)* | 114.8020% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7608% | 582 |
| Loan loss allowance to noncurrent loans | 232.0031% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.5063% | 1,394 |
| Noncurrent loans to loans | 0.7589% | 1,304 |
| Net loans and leases to total assets | 62.6000% | 2,670 |
| Net loans and leases to deposits | 76.5942% | 2,473 |
| Net loans and leases to core deposits | 81.7002% | 2,706 |
| Total domestic deposits to total assets | 81.7300% | 3,160 |
| Equity capital to assets | 9.2244% | 2,869 |
| Core capital (leverage) ratio | 7.9951% | 4,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5056% | 2,404 |
| Memoranda: | ||
| Average total assets | $194,168,982,750 | 21 |
| Average earning assets | $175,221,805,500 | 22 |
| Average equity | $17,873,132,500 | 19 |
| Average total loans | $124,380,476,250 | 19 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5984% | 1,778 |
| Cost of funding earning assets | 2.4801% | 1,118 |
| Net interest margin | 3.1183% | 2,819 |
| Noninterest income to average assets | 0.8700% | 760 |
| Noninterest expense to average assets | 2.1649% | 3,172 |
| Loan and lease loss provision to assets | 0.2200% | 493 |
| Net operating income to assets | 1.0682% | 1,801 |
| Return on assets (ROA) | 1.0451% | 1,867 |
| Pretax return on assets | 1.2783% | 1,754 |
| Return on Equity (ROE) | 11.3600% | 1,787 |
| Retained earnings to average equity (ytd only) | -3.0106% | 4,216 |
| Net charge-offs to loans | 0.2948% | 372 |
| Credit loss provision to net charge-offs | 127.0787% | 1,315 |
| Earnings coverage of net charge-offs (x) | 8.0198% | 2,073 |
| Efficiency ratio | 58.1298% | 3,379 |
| Assets per employee ($millions) | 10.3852% | 654 |
| Cash dividends to net income (ytd only)* | 126.4969% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8435% | 518 |
| Loan loss allowance to noncurrent loans | 254.3400% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.4865% | 1,367 |
| Noncurrent loans to loans | 0.7248% | 1,292 |
| Net loans and leases to total assets | 62.6400% | 2,690 |
| Net loans and leases to deposits | 77.0543% | 2,466 |
| Net loans and leases to core deposits | 82.0710% | 2,666 |
| Total domestic deposits to total assets | 81.2900% | 3,227 |
| Equity capital to assets | 8.9378% | 2,783 |
| Core capital (leverage) ratio | 8.0859% | 4,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8998% | 2,289 |
| Memoranda: | ||
| Average total assets | $192,484,703,000 | 21 |
| Average earning assets | $173,620,366,000 | 22 |
| Average equity | $17,705,164,333 | 19 |
| Average total loans | $123,524,776,667 | 19 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5376% | 1,743 |
| Cost of funding earning assets | 2.4023% | 1,167 |
| Net interest margin | 3.1353% | 2,706 |
| Noninterest income to average assets | 0.8700% | 709 |
| Noninterest expense to average assets | 2.2243% | 3,000 |
| Loan and lease loss provision to assets | 0.2300% | 428 |
| Net operating income to assets | 1.0333% | 1,846 |
| Return on assets (ROA) | 1.0102% | 1,905 |
| Pretax return on assets | 1.2256% | 1,830 |
| Return on Equity (ROE) | 10.8300% | 1,898 |
| Retained earnings to average equity (ytd only) | -2.9048% | 4,003 |
| Net charge-offs to loans | 0.3006% | 305 |
| Credit loss provision to net charge-offs | 126.5708% | 1,019 |
| Earnings coverage of net charge-offs (x) | 7.6188% | 1,760 |
| Efficiency ratio | 59.4702% | 3,308 |
| Assets per employee ($millions) | 10.3205% | 665 |
| Cash dividends to net income (ytd only)* | 126.8325% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8509% | 507 |
| Loan loss allowance to noncurrent loans | 254.3582% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 1,319 |
| Noncurrent loans to loans | 0.7277% | 1,218 |
| Net loans and leases to total assets | 62.6800% | 2,597 |
| Net loans and leases to deposits | 76.6828% | 2,369 |
| Net loans and leases to core deposits | 81.3561% | 2,627 |
| Total domestic deposits to total assets | 81.7400% | 3,229 |
| Equity capital to assets | 9.1517% | 2,569 |
| Core capital (leverage) ratio | 8.3385% | 4,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8551% | 2,294 |
| Memoranda: | ||
| Average total assets | $190,794,971,500 | 20 |
| Average earning assets | $172,126,142,000 | 21 |
| Average equity | $17,804,752,000 | 18 |
| Average total loans | $122,789,529,000 | 18 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3115% | 1,478 |
| Cost of funding earning assets | 1.9519% | 992 |
| Net interest margin | 3.3597% | 2,497 |
| Noninterest income to average assets | 0.8900% | 777 |
| Noninterest expense to average assets | 2.2363% | 3,026 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 1.1987% | 1,655 |
| Return on assets (ROA) | 1.1731% | 1,683 |
| Pretax return on assets | 1.4284% | 1,579 |
| Return on Equity (ROE) | 12.5600% | 1,829 |
| Retained earnings to average equity (ytd only) | 2.7836% | 3,349 |
| Net charge-offs to loans | 0.2253% | 484 |
| Credit loss provision to net charge-offs | 148.9070% | 1,480 |
| Earnings coverage of net charge-offs (x) | 11.3916% | 2,193 |
| Efficiency ratio | 56.5651% | 3,436 |
| Assets per employee ($millions) | 10.1495% | 675 |
| Cash dividends to net income (ytd only)* | 77.8426% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8421% | 498 |
| Loan loss allowance to noncurrent loans | 262.7750% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.4757% | 1,176 |
| Noncurrent loans to loans | 0.7010% | 1,116 |
| Net loans and leases to total assets | 63.6700% | 2,490 |
| Net loans and leases to deposits | 77.2625% | 2,334 |
| Net loans and leases to core deposits | 81.9345% | 2,586 |
| Total domestic deposits to total assets | 82.4100% | 3,049 |
| Equity capital to assets | 9.5160% | 2,336 |
| Core capital (leverage) ratio | 8.5091% | 4,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0911% | 2,211 |
| Memoranda: | ||
| Average total assets | $186,783,501,600 | 20 |
| Average earning assets | $167,951,563,200 | 20 |
| Average equity | $17,441,764,800 | 17 |
| Average total loans | $121,544,843,600 | 16 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2333% | 1,392 |
| Cost of funding earning assets | 1.8243% | 974 |
| Net interest margin | 3.4090% | 2,431 |
| Noninterest income to average assets | 0.9600% | 686 |
| Noninterest expense to average assets | 2.1116% | 3,325 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 1.3761% | 1,370 |
| Return on assets (ROA) | 1.3514% | 1,397 |
| Pretax return on assets | 1.6881% | 1,190 |
| Return on Equity (ROE) | 14.5400% | 1,538 |
| Retained earnings to average equity (ytd only) | 3.1785% | 3,470 |
| Net charge-offs to loans | 0.1972% | 445 |
| Credit loss provision to net charge-offs | 148.3441% | 1,330 |
| Earnings coverage of net charge-offs (x) | 14.8780% | 1,981 |
| Efficiency ratio | 51.8189% | 3,769 |
| Assets per employee ($millions) | 10.0154% | 661 |
| Cash dividends to net income (ytd only)* | 78.1428% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8191% | 551 |
| Loan loss allowance to noncurrent loans | 292.5011% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.4278% | 1,359 |
| Noncurrent loans to loans | 0.6219% | 1,308 |
| Net loans and leases to total assets | 63.9500% | 2,454 |
| Net loans and leases to deposits | 77.7266% | 2,273 |
| Net loans and leases to core deposits | 81.7213% | 2,487 |
| Total domestic deposits to total assets | 82.2700% | 3,163 |
| Equity capital to assets | 9.0746% | 2,377 |
| Core capital (leverage) ratio | 8.5325% | 4,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8858% | 2,306 |
| Memoranda: | ||
| Average total assets | $186,296,691,250 | 21 |
| Average earning assets | $167,449,584,250 | 21 |
| Average equity | $17,312,285,750 | 18 |
| Average total loans | $121,326,884,000 | 17 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0858% | 1,397 |
| Cost of funding earning assets | 1.6760% | 919 |
| Net interest margin | 3.4098% | 2,492 |
| Noninterest income to average assets | 0.9500% | 618 |
| Noninterest expense to average assets | 2.1023% | 3,337 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 1.3950% | 1,350 |
| Return on assets (ROA) | 1.3697% | 1,383 |
| Pretax return on assets | 1.6970% | 1,220 |
| Return on Equity (ROE) | 14.6200% | 1,549 |
| Retained earnings to average equity (ytd only) | 5.7357% | 2,720 |
| Net charge-offs to loans | 0.1742% | 453 |
| Credit loss provision to net charge-offs | 152.9563% | 1,188 |
| Earnings coverage of net charge-offs (x) | 16.8632% | 1,817 |
| Efficiency ratio | 51.6651% | 3,800 |
| Assets per employee ($millions) | 9.8185% | 702 |
| Cash dividends to net income (ytd only)* | 60.7795% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7891% | 627 |
| Loan loss allowance to noncurrent loans | 321.1124% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 1,373 |
| Noncurrent loans to loans | 0.5571% | 1,344 |
| Net loans and leases to total assets | 63.5500% | 2,427 |
| Net loans and leases to deposits | 78.6014% | 2,081 |
| Net loans and leases to core deposits | 82.6698% | 2,285 |
| Total domestic deposits to total assets | 80.8500% | 3,448 |
| Equity capital to assets | 9.3548% | 2,263 |
| Core capital (leverage) ratio | 8.3967% | 4,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8775% | 2,343 |
| Memoranda: | ||
| Average total assets | $186,276,787,333 | 20 |
| Average earning assets | $167,517,903,667 | 20 |
| Average equity | $17,446,007,333 | 17 |
| Average total loans | $121,311,231,667 | 17 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8738% | 1,459 |
| Cost of funding earning assets | 1.3735% | 1,083 |
| Net interest margin | 3.5003% | 2,363 |
| Noninterest income to average assets | 0.9600% | 612 |
| Noninterest expense to average assets | 2.1570% | 3,235 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 1.4424% | 1,302 |
| Return on assets (ROA) | 1.4226% | 1,318 |
| Pretax return on assets | 1.7517% | 1,172 |
| Return on Equity (ROE) | 15.1800% | 1,522 |
| Retained earnings to average equity (ytd only) | 10.5721% | 1,565 |
| Net charge-offs to loans | 0.1870% | 386 |
| Credit loss provision to net charge-offs | 137.2466% | 983 |
| Earnings coverage of net charge-offs (x) | 15.9999% | 1,528 |
| Efficiency ratio | 51.7747% | 3,800 |
| Assets per employee ($millions) | 9.8218% | 739 |
| Cash dividends to net income (ytd only)* | 30.3600% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7623% | 703 |
| Loan loss allowance to noncurrent loans | 294.6014% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 1,280 |
| Noncurrent loans to loans | 0.5982% | 1,242 |
| Net loans and leases to total assets | 63.3700% | 2,309 |
| Net loans and leases to deposits | 80.3627% | 1,791 |
| Net loans and leases to core deposits | 84.0118% | 1,981 |
| Total domestic deposits to total assets | 78.8500% | 3,907 |
| Equity capital to assets | 9.4369% | 2,193 |
| Core capital (leverage) ratio | 8.6305% | 4,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7710% | 2,476 |
| Memoranda: | ||
| Average total assets | $185,383,574,000 | 22 |
| Average earning assets | $166,799,948,000 | 22 |
| Average equity | $17,372,571,000 | 19 |
| Average total loans | $121,122,766,000 | 20 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7483% | 2,412 |
| Cost of funding earning assets | 0.3713% | 2,318 |
| Net interest margin | 3.3770% | 2,326 |
| Noninterest income to average assets | 1.0000% | 644 |
| Noninterest expense to average assets | 2.1922% | 3,050 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.3725% | 1,203 |
| Return on assets (ROA) | 1.3597% | 1,202 |
| Pretax return on assets | 1.6692% | 997 |
| Return on Equity (ROE) | 13.7100% | 1,599 |
| Retained earnings to average equity (ytd only) | 4.8354% | 3,123 |
| Net charge-offs to loans | 0.1037% | 719 |
| Credit loss provision to net charge-offs | 174.6322% | 1,198 |
| Earnings coverage of net charge-offs (x) | 26.9168% | 1,745 |
| Efficiency ratio | 53.5572% | 3,825 |
| Assets per employee ($millions) | 9.6123% | 757 |
| Cash dividends to net income (ytd only)* | 64.7431% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7575% | 719 |
| Loan loss allowance to noncurrent loans | 274.1649% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.4387% | 1,167 |
| Noncurrent loans to loans | 0.6410% | 1,155 |
| Net loans and leases to total assets | 65.0300% | 2,138 |
| Net loans and leases to deposits | 78.1501% | 1,931 |
| Net loans and leases to core deposits | 81.7975% | 2,019 |
| Total domestic deposits to total assets | 83.2100% | 3,373 |
| Equity capital to assets | 9.3032% | 2,151 |
| Core capital (leverage) ratio | 8.5415% | 4,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5703% | 2,541 |
| Memoranda: | ||
| Average total assets | $177,857,192,000 | 22 |
| Average earning assets | $160,101,421,000 | 23 |
| Average equity | $17,632,819,600 | 18 |
| Average total loans | $117,526,533,600 | 16 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4682% | 2,715 |
| Cost of funding earning assets | 0.2042% | 3,218 |
| Net interest margin | 3.2640% | 2,405 |
| Noninterest income to average assets | 1.0300% | 630 |
| Noninterest expense to average assets | 2.2163% | 2,885 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.3052% | 1,334 |
| Return on assets (ROA) | 1.2941% | 1,336 |
| Pretax return on assets | 1.5923% | 1,136 |
| Return on Equity (ROE) | 12.8500% | 1,756 |
| Retained earnings to average equity (ytd only) | 5.8047% | 2,817 |
| Net charge-offs to loans | 0.0823% | 729 |
| Credit loss provision to net charge-offs | 210.9303% | 953 |
| Earnings coverage of net charge-offs (x) | 32.2567% | 1,492 |
| Efficiency ratio | 55.0718% | 3,716 |
| Assets per employee ($millions) | 9.4883% | 766 |
| Cash dividends to net income (ytd only)* | 54.8255% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7655% | 777 |
| Loan loss allowance to noncurrent loans | 256.4962% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.4729% | 1,143 |
| Noncurrent loans to loans | 0.6883% | 1,183 |
| Net loans and leases to total assets | 65.4300% | 1,940 |
| Net loans and leases to deposits | 78.0028% | 1,708 |
| Net loans and leases to core deposits | 80.7813% | 1,848 |
| Total domestic deposits to total assets | 83.8800% | 3,526 |
| Equity capital to assets | 9.3038% | 2,012 |
| Core capital (leverage) ratio | 8.6274% | 3,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6096% | 2,616 |
| Memoranda: | ||
| Average total assets | $176,740,071,500 | 21 |
| Average earning assets | $159,090,982,000 | 22 |
| Average equity | $17,800,488,250 | 19 |
| Average total loans | $116,735,441,250 | 16 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2084% | 3,016 |
| Cost of funding earning assets | 0.1152% | 4,018 |
| Net interest margin | 3.0932% | 2,555 |
| Noninterest income to average assets | 1.0527% | 602 |
| Noninterest expense to average assets | 2.2283% | 2,762 |
| Loan and lease loss provision to assets | 0.1044% | 954 |
| Net operating income to assets | 1.2362% | 1,311 |
| Return on assets (ROA) | 1.2264% | 1,328 |
| Pretax return on assets | 1.4988% | 1,170 |
| Return on Equity (ROE) | 11.8690% | 1,698 |
| Retained earnings to average equity (ytd only) | 6.5816% | 2,146 |
| Net charge-offs to loans | 0.0478% | 918 |
| Credit loss provision to net charge-offs | 259.2035% | 855 |
| Earnings coverage of net charge-offs (x) | 51.2049% | 1,150 |
| Efficiency ratio | 57.2087% | 3,654 |
| Assets per employee ($millions) | 9.3526% | 790 |
| Cash dividends to net income (ytd only)* | 44.5486% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7493% | 877 |
| Loan loss allowance to noncurrent loans | 238.4702% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.5026% | 1,132 |
| Noncurrent loans to loans | 0.7335% | 1,174 |
| Net loans and leases to total assets | 65.4188% | 1,765 |
| Net loans and leases to deposits | 78.3545% | 1,512 |
| Net loans and leases to core deposits | 80.7367% | 1,676 |
| Total domestic deposits to total assets | 83.4908% | 3,788 |
| Equity capital to assets | 9.9264% | 1,749 |
| Core capital (leverage) ratio | 8.6766% | 3,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5253% | 2,665 |
| Memoranda: | ||
| Average total assets | $175,842,082,333 | 22 |
| Average earning assets | $158,531,865,667 | 22 |
| Average equity | $18,169,241,667 | 19 |
| Average total loans | $115,808,727,333 | 16 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0612% | 3,081 |
| Cost of funding earning assets | 0.0919% | 4,239 |
| Net interest margin | 2.9693% | 2,602 |
| Noninterest income to average assets | 1.0698% | 594 |
| Noninterest expense to average assets | 2.3013% | 2,497 |
| Loan and lease loss provision to assets | 0.0571% | 1,369 |
| Net operating income to assets | 1.1461% | 1,391 |
| Return on assets (ROA) | 1.1378% | 1,408 |
| Pretax return on assets | 1.3804% | 1,295 |
| Return on Equity (ROE) | 10.7950% | 1,684 |
| Retained earnings to average equity (ytd only) | 1.9940% | 3,537 |
| Net charge-offs to loans | 0.0681% | 653 |
| Credit loss provision to net charge-offs | 35.6564% | 1,243 |
| Earnings coverage of net charge-offs (x) | 32.4075% | 1,097 |
| Efficiency ratio | 60.5885% | 3,424 |
| Assets per employee ($millions) | 9.2980% | 826 |
| Cash dividends to net income (ytd only)* | 81.5287% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7494% | 965 |
| Loan loss allowance to noncurrent loans | 209.1334% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.5635% | 1,067 |
| Noncurrent loans to loans | 0.8365% | 1,121 |
| Net loans and leases to total assets | 64.3767% | 1,576 |
| Net loans and leases to deposits | 75.4995% | 1,491 |
| Net loans and leases to core deposits | 76.3404% | 1,759 |
| Total domestic deposits to total assets | 85.2678% | 3,478 |
| Equity capital to assets | 10.1906% | 1,764 |
| Core capital (leverage) ratio | 8.4119% | 3,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4436% | 2,788 |
| Memoranda: | ||
| Average total assets | $174,717,478,500 | 23 |
| Average earning assets | $157,536,263,500 | 23 |
| Average equity | $18,414,820,000 | 18 |
| Average total loans | $114,423,340,500 | 16 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0274% | 3,819 |
| Cost of funding earning assets | 0.0154% | 4,785 |
| Net interest margin | 3.0120% | 3,163 |
| Noninterest income to average assets | 1.0886% | 871 |
| Noninterest expense to average assets | 2.6090% | 1,847 |
| Loan and lease loss provision to assets | 0.0159% | 2,761 |
| Net operating income to assets | 0.9705% | 2,794 |
| Return on assets (ROA) | 0.9685% | 2,863 |
| Pretax return on assets | 1.1914% | 2,693 |
| Return on Equity (ROE) | 9.1973% | 2,831 |
| Retained earnings to average equity (ytd only) | 0.5983% | 4,351 |
| Net charge-offs to loans | 0.2136% | 437 |
| Credit loss provision to net charge-offs | -0.4016% | 3,144 |
| Earnings coverage of net charge-offs (x) | 8.6591% | 2,290 |
| Efficiency ratio | 67.5363% | 2,049 |
| Assets per employee ($millions) | 9.0170% | 914 |
| Cash dividends to net income (ytd only)* | 93.4950% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7885% | 888 |
| Loan loss allowance to noncurrent loans | 219.0173% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.5540% | 1,193 |
| Noncurrent loans to loans | 0.8166% | 1,249 |
| Net loans and leases to total assets | 64.2868% | 1,669 |
| Net loans and leases to deposits | 76.1584% | 1,551 |
| Net loans and leases to core deposits | 77.0755% | 1,835 |
| Total domestic deposits to total assets | 84.4120% | 3,443 |
| Equity capital to assets | 10.8942% | 1,860 |
| Core capital (leverage) ratio | 8.5989% | 3,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5785% | 2,756 |
| Memoranda: | ||
| Average total assets | $153,995,126,200 | 25 |
| Average earning assets | $139,507,575,400 | 24 |
| Average equity | $16,215,858,400 | 24 |
| Average total loans | $100,616,420,600 | 16 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9881% | 4,024 |
| Cost of funding earning assets | -0.0088% | 4,909 |
| Net interest margin | 2.9970% | 3,314 |
| Noninterest income to average assets | 1.0779% | 950 |
| Noninterest expense to average assets | 2.5706% | 1,925 |
| Loan and lease loss provision to assets | 0.0793% | 1,491 |
| Net operating income to assets | 0.9313% | 3,145 |
| Return on assets (ROA) | 0.9322% | 3,223 |
| Pretax return on assets | 1.1484% | 3,080 |
| Return on Equity (ROE) | 8.9429% | 3,122 |
| Retained earnings to average equity (ytd only) | 1.1539% | 4,380 |
| Net charge-offs to loans | 0.2481% | 332 |
| Credit loss provision to net charge-offs | 23.3234% | 1,978 |
| Earnings coverage of net charge-offs (x) | 7.5614% | 2,129 |
| Efficiency ratio | 66.9201% | 1,980 |
| Assets per employee ($millions) | 8.7613% | 973 |
| Cash dividends to net income (ytd only)* | 87.0971% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8843% | 794 |
| Loan loss allowance to noncurrent loans | 203.4502% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.6160% | 1,234 |
| Noncurrent loans to loans | 0.9262% | 1,240 |
| Net loans and leases to total assets | 63.2550% | 1,864 |
| Net loans and leases to deposits | 75.1987% | 1,746 |
| Net loans and leases to core deposits | 76.5359% | 1,997 |
| Total domestic deposits to total assets | 84.1172% | 3,429 |
| Equity capital to assets | 10.9587% | 2,053 |
| Core capital (leverage) ratio | 8.6021% | 3,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9078% | 2,741 |
| Memoranda: | ||
| Average total assets | $149,140,317,250 | 25 |
| Average earning assets | $135,253,021,000 | 25 |
| Average equity | $15,546,780,750 | 25 |
| Average total loans | $97,392,336,500 | 16 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8328% | 4,305 |
| Cost of funding earning assets | -0.0585% | 4,948 |
| Net interest margin | 2.8913% | 3,593 |
| Noninterest income to average assets | 1.0112% | 1,054 |
| Noninterest expense to average assets | 2.3448% | 2,630 |
| Loan and lease loss provision to assets | 0.2136% | 505 |
| Net operating income to assets | 0.8925% | 3,245 |
| Return on assets (ROA) | 0.8989% | 3,307 |
| Pretax return on assets | 1.0894% | 3,252 |
| Return on Equity (ROE) | 8.8081% | 3,165 |
| Retained earnings to average equity (ytd only) | -0.1828% | 4,536 |
| Net charge-offs to loans | 0.2719% | 327 |
| Credit loss provision to net charge-offs | 77.6298% | 1,495 |
| Earnings coverage of net charge-offs (x) | 7.2508% | 1,925 |
| Efficiency ratio | 63.6499% | 2,474 |
| Assets per employee ($millions) | 8.8303% | 908 |
| Cash dividends to net income (ytd only)* | 102.0753% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9587% | 659 |
| Loan loss allowance to noncurrent loans | 196.4422% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.6643% | 1,253 |
| Noncurrent loans to loans | 0.9971% | 1,237 |
| Net loans and leases to total assets | 63.4814% | 2,015 |
| Net loans and leases to deposits | 75.2372% | 1,894 |
| Net loans and leases to core deposits | 76.6547% | 2,174 |
| Total domestic deposits to total assets | 84.3749% | 3,323 |
| Equity capital to assets | 10.8261% | 2,127 |
| Core capital (leverage) ratio | 10.8368% | 1,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0215% | 2,714 |
| Memoranda: | ||
| Average total assets | $141,040,958,667 | 25 |
| Average earning assets | $128,182,869,667 | 27 |
| Average equity | $14,393,506,667 | 25 |
| Average total loans | $92,584,630,000 | 17 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0861% | 3,915 |
| Cost of funding earning assets | -0.4176% | 4,977 |
| Net interest margin | 3.5037% | 1,812 |
| Noninterest income to average assets | 1.1174% | 961 |
| Noninterest expense to average assets | 2.3610% | 2,618 |
| Loan and lease loss provision to assets | -0.1941% | 4,807 |
| Net operating income to assets | 1.7607% | 845 |
| Return on assets (ROA) | 1.7557% | 902 |
| Pretax return on assets | 2.1449% | 753 |
| Return on Equity (ROE) | 17.9741% | 730 |
| Retained earnings to average equity (ytd only) | 7.3553% | 2,461 |
| Net charge-offs to loans | 0.3125% | 271 |
| Credit loss provision to net charge-offs | -73.3096% | 2,794 |
| Earnings coverage of net charge-offs (x) | 9.4440% | 1,539 |
| Efficiency ratio | 53.9643% | 3,783 |
| Assets per employee ($millions) | 8.6069% | 952 |
| Cash dividends to net income (ytd only)* | 59.0784% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0843% | 512 |
| Loan loss allowance to noncurrent loans | 254.0850% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.5566% | 1,700 |
| Noncurrent loans to loans | 0.8203% | 1,629 |
| Net loans and leases to total assets | 63.7846% | 2,072 |
| Net loans and leases to deposits | 75.0842% | 2,012 |
| Net loans and leases to core deposits | 77.1420% | 2,253 |
| Total domestic deposits to total assets | 84.9508% | 3,116 |
| Equity capital to assets | 9.6670% | 3,043 |
| Core capital (leverage) ratio | 8.9750% | 3,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7611% | 2,391 |
| Memoranda: | ||
| Average total assets | $124,128,419,500 | 28 |
| Average earning assets | $113,341,228,000 | 29 |
| Average equity | $12,124,677,000 | 28 |
| Average total loans | $82,264,401,000 | 23 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4513% | 4,119 |
| Cost of funding earning assets | 0.2863% | 4,215 |
| Net interest margin | 3.1650% | 3,452 |
| Noninterest income to average assets | 1.2378% | 732 |
| Noninterest expense to average assets | 2.1671% | 3,763 |
| Loan and lease loss provision to assets | 0.9329% | 116 |
| Net operating income to assets | 0.8485% | 2,904 |
| Return on assets (ROA) | 0.8395% | 3,076 |
| Pretax return on assets | 1.0060% | 3,027 |
| Return on Equity (ROE) | 7.9809% | 2,829 |
| Retained earnings to average equity (ytd only) | -4.4521% | 4,825 |
| Net charge-offs to loans | 0.5596% | 269 |
| Credit loss provision to net charge-offs | 242.2931% | 1,969 |
| Earnings coverage of net charge-offs (x) | 5.0595% | 2,911 |
| Efficiency ratio | 51.8120% | 4,397 |
| Assets per employee ($millions) | 8.4101% | 910 |
| Cash dividends to net income (ytd only)* | 155.7847% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1904% | 418 |
| Loan loss allowance to noncurrent loans | 256.6792% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.6001% | 1,757 |
| Noncurrent loans to loans | 0.8534% | 1,656 |
| Net loans and leases to total assets | 65.9517% | 2,097 |
| Net loans and leases to deposits | 78.1833% | 2,051 |
| Net loans and leases to core deposits | 81.6119% | 2,220 |
| Total domestic deposits to total assets | 84.3552% | 2,998 |
| Equity capital to assets | 9.8708% | 3,246 |
| Core capital (leverage) ratio | 8.9360% | 3,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5798% | 2,410 |
| Memoranda: | ||
| Average total assets | $116,747,798,800 | 27 |
| Average earning assets | $106,139,605,400 | 28 |
| Average equity | $12,280,190,600 | 28 |
| Average total loans | $80,327,440,000 | 23 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5387% | 4,139 |
| Cost of funding earning assets | 0.3526% | 4,044 |
| Net interest margin | 3.1861% | 3,523 |
| Noninterest income to average assets | 1.2415% | 708 |
| Noninterest expense to average assets | 2.1654% | 3,765 |
| Loan and lease loss provision to assets | 1.1093% | 105 |
| Net operating income to assets | 0.7287% | 3,358 |
| Return on assets (ROA) | 0.7188% | 3,494 |
| Pretax return on assets | 0.8520% | 3,511 |
| Return on Equity (ROE) | 6.7228% | 3,304 |
| Retained earnings to average equity (ytd only) | -6.1450% | 4,871 |
| Net charge-offs to loans | 0.5641% | 266 |
| Credit loss provision to net charge-offs | 284.2688% | 1,812 |
| Earnings coverage of net charge-offs (x) | 5.0518% | 2,767 |
| Efficiency ratio | 51.4791% | 4,382 |
| Assets per employee ($millions) | 8.1114% | 958 |
| Cash dividends to net income (ytd only)* | 191.4055% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1799% | 363 |
| Loan loss allowance to noncurrent loans | 237.8059% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.6487% | 1,793 |
| Noncurrent loans to loans | 0.9167% | 1,628 |
| Net loans and leases to total assets | 67.0983% | 2,373 |
| Net loans and leases to deposits | 80.0976% | 2,305 |
| Net loans and leases to core deposits | 83.8440% | 2,490 |
| Total domestic deposits to total assets | 83.7707% | 2,902 |
| Equity capital to assets | 10.1153% | 3,130 |
| Core capital (leverage) ratio | 9.0081% | 3,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5937% | 2,371 |
| Memoranda: | ||
| Average total assets | $115,225,344,250 | 28 |
| Average earning assets | $104,705,927,750 | 29 |
| Average equity | $12,318,969,500 | 28 |
| Average total loans | $79,702,368,000 | 23 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6548% | 4,164 |
| Cost of funding earning assets | 0.4428% | 3,826 |
| Net interest margin | 3.2120% | 3,638 |
| Noninterest income to average assets | 1.1874% | 707 |
| Noninterest expense to average assets | 2.1779% | 3,857 |
| Loan and lease loss provision to assets | 1.3230% | 112 |
| Net operating income to assets | 0.5085% | 3,997 |
| Return on assets (ROA) | 0.4970% | 4,103 |
| Pretax return on assets | 0.5906% | 4,082 |
| Return on Equity (ROE) | 4.5618% | 3,954 |
| Retained earnings to average equity (ytd only) | -11.7779% | 4,943 |
| Net charge-offs to loans | 0.5697% | 275 |
| Credit loss provision to net charge-offs | 334.7354% | 1,545 |
| Earnings coverage of net charge-offs (x) | 4.8712% | 2,561 |
| Efficiency ratio | 52.1809% | 4,343 |
| Assets per employee ($millions) | 7.9290% | 1,001 |
| Cash dividends to net income (ytd only)* | 358.1825% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0946% | 379 |
| Loan loss allowance to noncurrent loans | 192.8694% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.7671% | 1,612 |
| Noncurrent loans to loans | 1.0860% | 1,439 |
| Net loans and leases to total assets | 67.2399% | 2,468 |
| Net loans and leases to deposits | 80.6933% | 2,353 |
| Net loans and leases to core deposits | 84.6423% | 2,563 |
| Total domestic deposits to total assets | 83.3278% | 2,985 |
| Equity capital to assets | 10.1487% | 3,069 |
| Core capital (leverage) ratio | 8.9538% | 3,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5814% | 2,366 |
| Memoranda: | ||
| Average total assets | $113,595,947,000 | 28 |
| Average earning assets | $103,120,233,667 | 29 |
| Average equity | $12,375,333,000 | 28 |
| Average total loans | $78,806,444,000 | 23 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8793% | 4,080 |
| Cost of funding earning assets | 0.6039% | 3,411 |
| Net interest margin | 3.2754% | 3,655 |
| Noninterest income to average assets | 1.2013% | 609 |
| Noninterest expense to average assets | 2.1722% | 4,075 |
| Loan and lease loss provision to assets | 1.6046% | 92 |
| Net operating income to assets | 0.3830% | 4,172 |
| Return on assets (ROA) | 0.3718% | 4,233 |
| Pretax return on assets | 0.3848% | 4,320 |
| Return on Equity (ROE) | 3.2933% | 4,146 |
| Retained earnings to average equity (ytd only) | 1.0268% | 3,735 |
| Net charge-offs to loans | 0.6039% | 241 |
| Credit loss provision to net charge-offs | 380.9843% | 1,036 |
| Earnings coverage of net charge-offs (x) | 4.7501% | 2,116 |
| Efficiency ratio | 51.1441% | 4,604 |
| Assets per employee ($millions) | 7.7985% | 799 |
| Cash dividends to net income (ytd only)* | 68.8223% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9043% | 599 |
| Loan loss allowance to noncurrent loans | 206.9532% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.6635% | 2,013 |
| Noncurrent loans to loans | 0.9202% | 1,781 |
| Net loans and leases to total assets | 68.0894% | 2,525 |
| Net loans and leases to deposits | 85.4157% | 2,066 |
| Net loans and leases to core deposits | 90.0298% | 2,339 |
| Total domestic deposits to total assets | 79.7154% | 3,908 |
| Equity capital to assets | 11.1393% | 2,739 |
| Core capital (leverage) ratio | 9.9772% | 3,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5993% | 2,439 |
| Memoranda: | ||
| Average total assets | $111,251,727,500 | 29 |
| Average earning assets | $100,927,244,500 | 29 |
| Average equity | $12,560,834,000 | 28 |
| Average total loans | $77,591,740,500 | 23 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2789% | 3,596 |
| Cost of funding earning assets | 0.8532% | 2,413 |
| Net interest margin | 3.4257% | 3,664 |
| Noninterest income to average assets | 1.2561% | 598 |
| Noninterest expense to average assets | 2.3292% | 3,874 |
| Loan and lease loss provision to assets | 0.2558% | 704 |
| Net operating income to assets | 1.4992% | 1,056 |
| Return on assets (ROA) | 1.4677% | 1,195 |
| Pretax return on assets | 1.7498% | 1,070 |
| Return on Equity (ROE) | 13.3017% | 1,073 |
| Retained earnings to average equity (ytd only) | 7.5823% | 1,130 |
| Net charge-offs to loans | 0.3515% | 571 |
| Credit loss provision to net charge-offs | 104.1179% | 2,378 |
| Earnings coverage of net charge-offs (x) | 8.3056% | 2,784 |
| Efficiency ratio | 52.3058% | 4,582 |
| Assets per employee ($millions) | 7.4962% | 863 |
| Cash dividends to net income (ytd only)* | 42.9972% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0271% | 3,328 |
| Loan loss allowance to noncurrent loans | 121.9208% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.6174% | 2,043 |
| Noncurrent loans to loans | 0.8424% | 1,826 |
| Net loans and leases to total assets | 69.3728% | 2,495 |
| Net loans and leases to deposits | 88.0545% | 1,838 |
| Net loans and leases to core deposits | 91.8234% | 2,247 |
| Total domestic deposits to total assets | 78.7839% | 4,221 |
| Equity capital to assets | 11.4486% | 2,574 |
| Core capital (leverage) ratio | 10.0059% | 3,511 |
| Tier 1 risk-based capital ratio | 12.1667% | 4,263 |
| Total risk-based capital ratio | 13.5902% | 4,031 |
| Memoranda: | ||
| Average total assets | $108,498,372,000 | 28 |
| Average earning assets | $98,618,064,400 | 29 |
| Average equity | $11,971,609,400 | 30 |
| Average total loans | $75,845,256,800 | 24 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3322% | 3,564 |
| Cost of funding earning assets | 0.8811% | 2,314 |
| Net interest margin | 3.4511% | 3,728 |
| Noninterest income to average assets | 1.2355% | 597 |
| Noninterest expense to average assets | 2.3074% | 3,934 |
| Loan and lease loss provision to assets | 0.2505% | 651 |
| Net operating income to assets | 1.5236% | 1,125 |
| Return on assets (ROA) | 1.5084% | 1,222 |
| Pretax return on assets | 1.7979% | 1,097 |
| Return on Equity (ROE) | 13.8006% | 1,027 |
| Retained earnings to average equity (ytd only) | 8.5863% | 1,175 |
| Net charge-offs to loans | 0.3401% | 499 |
| Credit loss provision to net charge-offs | 105.4360% | 2,158 |
| Earnings coverage of net charge-offs (x) | 8.6865% | 2,635 |
| Efficiency ratio | 51.7782% | 4,610 |
| Assets per employee ($millions) | 7.3517% | 899 |
| Cash dividends to net income (ytd only)* | 37.7835% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0309% | 3,396 |
| Loan loss allowance to noncurrent loans | 126.8407% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.5950% | 2,218 |
| Noncurrent loans to loans | 0.8127% | 1,939 |
| Net loans and leases to total assets | 69.0418% | 2,617 |
| Net loans and leases to deposits | 87.1577% | 2,040 |
| Net loans and leases to core deposits | 91.0392% | 2,457 |
| Total domestic deposits to total assets | 79.2148% | 4,142 |
| Equity capital to assets | 11.3638% | 2,783 |
| Core capital (leverage) ratio | 9.8825% | 3,756 |
| Tier 1 risk-based capital ratio | 12.0535% | 4,395 |
| Total risk-based capital ratio | 13.4990% | 4,167 |
| Memoranda: | ||
| Average total assets | $108,438,120,500 | 29 |
| Average earning assets | $98,535,736,500 | 30 |
| Average equity | $11,852,217,250 | 30 |
| Average total loans | $75,751,972,250 | 25 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3584% | 3,459 |
| Cost of funding earning assets | 0.8861% | 2,215 |
| Net interest margin | 3.4724% | 3,678 |
| Noninterest income to average assets | 1.1839% | 612 |
| Noninterest expense to average assets | 2.3311% | 3,927 |
| Loan and lease loss provision to assets | 0.2244% | 734 |
| Net operating income to assets | 1.5041% | 1,140 |
| Return on assets (ROA) | 1.4876% | 1,230 |
| Pretax return on assets | 1.7689% | 1,121 |
| Return on Equity (ROE) | 13.7940% | 1,022 |
| Retained earnings to average equity (ytd only) | 13.4114% | 265 |
| Net charge-offs to loans | 0.3176% | 541 |
| Credit loss provision to net charge-offs | 101.0904% | 1,946 |
| Earnings coverage of net charge-offs (x) | 9.0563% | 2,362 |
| Efficiency ratio | 52.6724% | 4,599 |
| Assets per employee ($millions) | 7.2167% | 914 |
| Cash dividends to net income (ytd only)* | 2.7738% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 3,500 |
| Loan loss allowance to noncurrent loans | 133.2422% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.5672% | 2,314 |
| Noncurrent loans to loans | 0.7660% | 2,066 |
| Net loans and leases to total assets | 69.2748% | 2,632 |
| Net loans and leases to deposits | 89.6775% | 1,777 |
| Net loans and leases to core deposits | 93.9103% | 2,247 |
| Total domestic deposits to total assets | 77.2488% | 4,527 |
| Equity capital to assets | 11.3356% | 2,753 |
| Core capital (leverage) ratio | 9.9331% | 3,658 |
| Tier 1 risk-based capital ratio | 12.1056% | 4,357 |
| Total risk-based capital ratio | 13.6047% | 4,084 |
| Memoranda: | ||
| Average total assets | $108,320,685,000 | 29 |
| Average earning assets | $98,499,876,000 | 29 |
| Average equity | $11,682,047,000 | 30 |
| Average total loans | $75,704,892,000 | 25 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3562% | 3,385 |
| Cost of funding earning assets | 0.8754% | 2,122 |
| Net interest margin | 3.4808% | 3,649 |
| Noninterest income to average assets | 1.0944% | 673 |
| Noninterest expense to average assets | 2.2657% | 4,107 |
| Loan and lease loss provision to assets | 0.2376% | 634 |
| Net operating income to assets | 1.4842% | 1,147 |
| Return on assets (ROA) | 1.4704% | 1,204 |
| Pretax return on assets | 1.7444% | 1,104 |
| Return on Equity (ROE) | 13.9909% | 975 |
| Retained earnings to average equity (ytd only) | 13.5984% | 390 |
| Net charge-offs to loans | 0.3835% | 405 |
| Credit loss provision to net charge-offs | 88.7059% | 1,729 |
| Earnings coverage of net charge-offs (x) | 7.4522% | 2,137 |
| Efficiency ratio | 52.1226% | 4,691 |
| Assets per employee ($millions) | 7.2480% | 897 |
| Cash dividends to net income (ytd only)* | 2.8052% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0086% | 3,634 |
| Loan loss allowance to noncurrent loans | 134.1220% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.5621% | 2,394 |
| Noncurrent loans to loans | 0.7520% | 2,150 |
| Net loans and leases to total assets | 69.3648% | 2,572 |
| Net loans and leases to deposits | 88.2917% | 1,837 |
| Net loans and leases to core deposits | 92.4845% | 2,258 |
| Total domestic deposits to total assets | 78.5633% | 4,422 |
| Equity capital to assets | 10.7975% | 3,054 |
| Core capital (leverage) ratio | 9.5087% | 4,123 |
| Tier 1 risk-based capital ratio | 11.6681% | 4,641 |
| Total risk-based capital ratio | 13.3542% | 4,293 |
| Memoranda: | ||
| Average total assets | $108,362,786,500 | 30 |
| Average earning assets | $98,597,185,500 | 30 |
| Average equity | $11,388,421,000 | 32 |
| Average total loans | $75,680,453,000 | 26 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1474% | 3,594 |
| Cost of funding earning assets | 0.6830% | 2,192 |
| Net interest margin | 3.4645% | 3,819 |
| Noninterest income to average assets | 1.1685% | 679 |
| Noninterest expense to average assets | 2.3405% | 4,021 |
| Loan and lease loss provision to assets | 0.2176% | 832 |
| Net operating income to assets | 1.4841% | 1,160 |
| Return on assets (ROA) | 1.4544% | 1,246 |
| Pretax return on assets | 1.7228% | 1,108 |
| Return on Equity (ROE) | 13.7929% | 1,098 |
| Retained earnings to average equity (ytd only) | -1.6740% | 5,112 |
| Net charge-offs to loans | 0.1984% | 964 |
| Credit loss provision to net charge-offs | 158.6492% | 1,748 |
| Earnings coverage of net charge-offs (x) | 14.3834% | 2,381 |
| Efficiency ratio | 53.1326% | 4,703 |
| Assets per employee ($millions) | 7.3417% | 852 |
| Cash dividends to net income (ytd only)* | 112.1368% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 3,558 |
| Loan loss allowance to noncurrent loans | 147.6775% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.5021% | 2,576 |
| Noncurrent loans to loans | 0.6909% | 2,260 |
| Net loans and leases to total assets | 68.8992% | 2,745 |
| Net loans and leases to deposits | 85.7347% | 2,307 |
| Net loans and leases to core deposits | 90.5806% | 2,520 |
| Total domestic deposits to total assets | 80.3633% | 4,023 |
| Equity capital to assets | 10.2232% | 3,449 |
| Core capital (leverage) ratio | 9.2273% | 4,427 |
| Tier 1 risk-based capital ratio | 11.2132% | 4,858 |
| Total risk-based capital ratio | 13.4214% | 4,196 |
| Memoranda: | ||
| Average total assets | $105,569,725,200 | 29 |
| Average earning assets | $95,837,591,800 | 30 |
| Average equity | $11,131,490,600 | 32 |
| Average total loans | $72,991,504,600 | 23 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0855% | 3,682 |
| Cost of funding earning assets | 0.6439% | 2,181 |
| Net interest margin | 3.4417% | 3,886 |
| Noninterest income to average assets | 1.1751% | 686 |
| Noninterest expense to average assets | 2.3175% | 4,056 |
| Loan and lease loss provision to assets | 0.2087% | 813 |
| Net operating income to assets | 1.4940% | 1,211 |
| Return on assets (ROA) | 1.4792% | 1,247 |
| Pretax return on assets | 1.7565% | 1,121 |
| Return on Equity (ROE) | 13.9188% | 1,144 |
| Retained earnings to average equity (ytd only) | -3.3270% | 5,262 |
| Net charge-offs to loans | 0.1724% | 962 |
| Credit loss provision to net charge-offs | 175.3610% | 1,529 |
| Earnings coverage of net charge-offs (x) | 16.6398% | 2,155 |
| Efficiency ratio | 52.7726% | 4,731 |
| Assets per employee ($millions) | 7.0773% | 905 |
| Cash dividends to net income (ytd only)* | 123.9025% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 3,633 |
| Loan loss allowance to noncurrent loans | 145.2070% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.5244% | 2,645 |
| Noncurrent loans to loans | 0.7039% | 2,313 |
| Net loans and leases to total assets | 69.3285% | 2,752 |
| Net loans and leases to deposits | 86.7893% | 2,283 |
| Net loans and leases to core deposits | 91.7147% | 2,509 |
| Total domestic deposits to total assets | 79.8813% | 4,147 |
| Equity capital to assets | 10.2319% | 3,419 |
| Core capital (leverage) ratio | 9.1497% | 4,564 |
| Tier 1 risk-based capital ratio | 11.3061% | 4,895 |
| Total risk-based capital ratio | 13.5658% | 4,199 |
| Memoranda: | ||
| Average total assets | $104,794,076,500 | 29 |
| Average earning assets | $95,088,191,500 | 30 |
| Average equity | $11,136,926,750 | 31 |
| Average total loans | $72,327,818,250 | 23 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0048% | 3,772 |
| Cost of funding earning assets | 0.5959% | 2,256 |
| Net interest margin | 3.4089% | 3,926 |
| Noninterest income to average assets | 1.0876% | 817 |
| Noninterest expense to average assets | 2.2238% | 4,315 |
| Loan and lease loss provision to assets | 0.2264% | 718 |
| Net operating income to assets | 1.3992% | 1,444 |
| Return on assets (ROA) | 1.3867% | 1,485 |
| Pretax return on assets | 1.7179% | 1,173 |
| Return on Equity (ROE) | 12.8864% | 1,406 |
| Retained earnings to average equity (ytd only) | 2.7207% | 4,163 |
| Net charge-offs to loans | 0.1803% | 869 |
| Credit loss provision to net charge-offs | 182.7732% | 1,391 |
| Earnings coverage of net charge-offs (x) | 15.7993% | 2,018 |
| Efficiency ratio | 52.0015% | 4,892 |
| Assets per employee ($millions) | 6.9934% | 922 |
| Cash dividends to net income (ytd only)* | 78.8867% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 3,748 |
| Loan loss allowance to noncurrent loans | 146.6469% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.5124% | 2,705 |
| Noncurrent loans to loans | 0.6912% | 2,380 |
| Net loans and leases to total assets | 68.6796% | 2,768 |
| Net loans and leases to deposits | 87.5090% | 2,163 |
| Net loans and leases to core deposits | 92.3565% | 2,373 |
| Total domestic deposits to total assets | 78.4829% | 4,512 |
| Equity capital to assets | 10.7347% | 2,898 |
| Core capital (leverage) ratio | 9.6207% | 3,975 |
| Tier 1 risk-based capital ratio | 11.9155% | 4,550 |
| Total risk-based capital ratio | 14.1230% | 3,883 |
| Memoranda: | ||
| Average total assets | $104,459,023,000 | 29 |
| Average earning assets | $94,776,297,670 | 30 |
| Average equity | $11,240,795,000 | 31 |
| Average total loans | $71,734,939,330 | 23 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8882% | 3,964 |
| Cost of funding earning assets | 0.5247% | 2,590 |
| Net interest margin | 3.3635% | 4,013 |
| Noninterest income to average assets | 1.0562% | 822 |
| Noninterest expense to average assets | 2.2010% | 4,417 |
| Loan and lease loss provision to assets | 0.2633% | 540 |
| Net operating income to assets | 1.3287% | 1,546 |
| Return on assets (ROA) | 1.3169% | 1,593 |
| Pretax return on assets | 1.6316% | 1,293 |
| Return on Equity (ROE) | 12.2230% | 1,499 |
| Retained earnings to average equity (ytd only) | -2.6630% | 5,057 |
| Net charge-offs to loans | 0.2129% | 698 |
| Credit loss provision to net charge-offs | 181.0044% | 1,114 |
| Earnings coverage of net charge-offs (x) | 13.1080% | 1,767 |
| Efficiency ratio | 52.3527% | 4,935 |
| Assets per employee ($millions) | 7.0018% | 960 |
| Cash dividends to net income (ytd only)* | 121.7866% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 3,942 |
| Loan loss allowance to noncurrent loans | 148.8749% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.4984% | 2,859 |
| Noncurrent loans to loans | 0.6731% | 2,535 |
| Net loans and leases to total assets | 68.1422% | 2,752 |
| Net loans and leases to deposits | 86.5845% | 2,092 |
| Net loans and leases to core deposits | 91.4072% | 2,342 |
| Total domestic deposits to total assets | 78.7003% | 4,628 |
| Equity capital to assets | 10.6752% | 2,889 |
| Core capital (leverage) ratio | 9.4589% | 4,109 |
| Tier 1 risk-based capital ratio | 11.8217% | 4,668 |
| Total risk-based capital ratio | 14.0342% | 3,956 |
| Memoranda: | ||
| Average total assets | $104,042,443,000 | 28 |
| Average earning assets | $94,388,250,500 | 29 |
| Average equity | $11,209,810,000 | 30 |
| Average total loans | $71,075,043,000 | 22 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7716% | 4,140 |
| Cost of funding earning assets | 0.3859% | 3,379 |
| Net interest margin | 3.3858% | 3,897 |
| Noninterest income to average assets | 1.1165% | 818 |
| Noninterest expense to average assets | 2.4026% | 4,072 |
| Loan and lease loss provision to assets | 0.2072% | 978 |
| Net operating income to assets | 1.3100% | 1,204 |
| Return on assets (ROA) | 1.2959% | 1,248 |
| Pretax return on assets | 1.5545% | 1,436 |
| Return on Equity (ROE) | 12.0043% | 1,211 |
| Retained earnings to average equity (ytd only) | 9.2792% | 460 |
| Net charge-offs to loans | 0.2330% | 1,111 |
| Credit loss provision to net charge-offs | 131.2215% | 2,006 |
| Earnings coverage of net charge-offs (x) | 11.2505% | 2,589 |
| Efficiency ratio | 56.2033% | 4,752 |
| Assets per employee ($millions) | 7.1116% | 926 |
| Cash dividends to net income (ytd only)* | 22.7012% | 3,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 4,088 |
| Loan loss allowance to noncurrent loans | 155.3389% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.4628% | 3,023 |
| Noncurrent loans to loans | 0.6269% | 2,650 |
| Net loans and leases to total assets | 67.1360% | 2,944 |
| Net loans and leases to deposits | 88.6031% | 1,944 |
| Net loans and leases to core deposits | 92.9897% | 2,287 |
| Total domestic deposits to total assets | 75.7717% | 5,002 |
| Equity capital to assets | 10.8724% | 2,762 |
| Core capital (leverage) ratio | 9.6121% | 3,906 |
| Tier 1 risk-based capital ratio | 11.9886% | 4,535 |
| Total risk-based capital ratio | 14.2157% | 3,829 |
| Memoranda: | ||
| Average total assets | $101,364,444,000 | 28 |
| Average earning assets | $91,689,519,600 | 28 |
| Average equity | $10,942,515,800 | 30 |
| Average total loans | $68,692,517,400 | 21 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7461% | 4,192 |
| Cost of funding earning assets | 0.3663% | 3,496 |
| Net interest margin | 3.3798% | 3,919 |
| Noninterest income to average assets | 1.0995% | 843 |
| Noninterest expense to average assets | 2.4515% | 3,880 |
| Loan and lease loss provision to assets | 0.2038% | 928 |
| Net operating income to assets | 1.1223% | 1,984 |
| Return on assets (ROA) | 1.1119% | 2,096 |
| Pretax return on assets | 1.4906% | 1,802 |
| Return on Equity (ROE) | 10.3193% | 1,979 |
| Retained earnings to average equity (ytd only) | 8.6723% | 957 |
| Net charge-offs to loans | 0.2328% | 924 |
| Credit loss provision to net charge-offs | 129.1868% | 1,899 |
| Earnings coverage of net charge-offs (x) | 10.8083% | 2,554 |
| Efficiency ratio | 57.6730% | 4,545 |
| Assets per employee ($millions) | 6.9996% | 955 |
| Cash dividends to net income (ytd only)* | 15.9599% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 4,230 |
| Loan loss allowance to noncurrent loans | 149.3286% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.4885% | 3,101 |
| Noncurrent loans to loans | 0.6503% | 2,761 |
| Net loans and leases to total assets | 67.1105% | 2,967 |
| Net loans and leases to deposits | 85.0399% | 2,427 |
| Net loans and leases to core deposits | 89.4732% | 2,658 |
| Total domestic deposits to total assets | 78.9165% | 4,543 |
| Equity capital to assets | 10.8307% | 3,034 |
| Core capital (leverage) ratio | 9.4387% | 4,241 |
| Tier 1 risk-based capital ratio | 11.8736% | 4,714 |
| Total risk-based capital ratio | 14.0378% | 4,049 |
| Memoranda: | ||
| Average total assets | $100,692,972,000 | 28 |
| Average earning assets | $91,070,080,500 | 28 |
| Average equity | $10,849,955,000 | 30 |
| Average total loans | $68,230,096,250 | 22 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7040% | 4,221 |
| Cost of funding earning assets | 0.3435% | 3,649 |
| Net interest margin | 3.3605% | 3,908 |
| Noninterest income to average assets | 1.0816% | 851 |
| Noninterest expense to average assets | 2.4833% | 3,797 |
| Loan and lease loss provision to assets | 0.2058% | 879 |
| Net operating income to assets | 1.0834% | 2,069 |
| Return on assets (ROA) | 1.0732% | 2,156 |
| Pretax return on assets | 1.4209% | 1,937 |
| Return on Equity (ROE) | 9.9777% | 2,042 |
| Retained earnings to average equity (ytd only) | 9.5631% | 688 |
| Net charge-offs to loans | 0.2243% | 909 |
| Credit loss provision to net charge-offs | 135.3900% | 1,633 |
| Earnings coverage of net charge-offs (x) | 10.7692% | 2,323 |
| Efficiency ratio | 58.9354% | 4,474 |
| Assets per employee ($millions) | 6.7207% | 1,048 |
| Cash dividends to net income (ytd only)* | 4.1550% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 4,344 |
| Loan loss allowance to noncurrent loans | 134.3246% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.5381% | 2,974 |
| Noncurrent loans to loans | 0.7190% | 2,594 |
| Net loans and leases to total assets | 67.2222% | 2,915 |
| Net loans and leases to deposits | 87.3567% | 2,058 |
| Net loans and leases to core deposits | 92.3852% | 2,306 |
| Total domestic deposits to total assets | 76.9514% | 4,966 |
| Equity capital to assets | 10.8231% | 3,009 |
| Core capital (leverage) ratio | 9.4291% | 4,204 |
| Tier 1 risk-based capital ratio | 11.7695% | 4,784 |
| Total risk-based capital ratio | 13.9427% | 4,098 |
| Memoranda: | ||
| Average total assets | $100,234,686,670 | 28 |
| Average earning assets | $90,631,787,670 | 28 |
| Average equity | $10,781,710,670 | 30 |
| Average total loans | $67,916,794,330 | 22 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6592% | 4,244 |
| Cost of funding earning assets | 0.3226% | 3,824 |
| Net interest margin | 3.3366% | 3,899 |
| Noninterest income to average assets | 1.0694% | 873 |
| Noninterest expense to average assets | 2.5302% | 3,714 |
| Loan and lease loss provision to assets | 0.2995% | 453 |
| Net operating income to assets | 0.9695% | 2,438 |
| Return on assets (ROA) | 0.9592% | 2,542 |
| Pretax return on assets | 1.2443% | 2,432 |
| Return on Equity (ROE) | 8.9456% | 2,447 |
| Retained earnings to average equity (ytd only) | 8.5275% | 1,269 |
| Net charge-offs to loans | 0.2378% | 752 |
| Credit loss provision to net charge-offs | 186.0022% | 1,068 |
| Earnings coverage of net charge-offs (x) | 9.6526% | 1,984 |
| Efficiency ratio | 60.5871% | 4,389 |
| Assets per employee ($millions) | 6.5082% | 1,184 |
| Cash dividends to net income (ytd only)* | 4.6732% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9937% | 4,331 |
| Loan loss allowance to noncurrent loans | 129.5793% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.5758% | 2,932 |
| Noncurrent loans to loans | 0.7669% | 2,559 |
| Net loans and leases to total assets | 66.9888% | 2,816 |
| Net loans and leases to deposits | 84.2649% | 2,254 |
| Net loans and leases to core deposits | 88.9897% | 2,454 |
| Total domestic deposits to total assets | 79.4979% | 4,711 |
| Equity capital to assets | 10.7292% | 2,930 |
| Core capital (leverage) ratio | 9.1821% | 4,504 |
| Tier 1 risk-based capital ratio | 11.6275% | 4,961 |
| Total risk-based capital ratio | 13.8779% | 4,216 |
| Memoranda: | ||
| Average total assets | $99,711,820,000 | 28 |
| Average earning assets | $90,096,823,000 | 28 |
| Average equity | $10,691,707,500 | 30 |
| Average total loans | $67,501,754,500 | 22 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5017% | 4,778 |
| Cost of funding earning assets | 0.2922% | 4,150 |
| Net interest margin | 3.2095% | 4,423 |
| Noninterest income to average assets | 1.1751% | 820 |
| Noninterest expense to average assets | 2.6444% | 3,545 |
| Loan and lease loss provision to assets | 0.2017% | 1,141 |
| Net operating income to assets | 0.9588% | 2,538 |
| Return on assets (ROA) | 0.9477% | 2,704 |
| Pretax return on assets | 1.2419% | 2,506 |
| Return on Equity (ROE) | 9.9465% | 1,977 |
| Retained earnings to average equity (ytd only) | 7.5792% | 1,006 |
| Net charge-offs to loans | 0.2147% | 1,291 |
| Credit loss provision to net charge-offs | 133.6176% | 2,025 |
| Earnings coverage of net charge-offs (x) | 9.6371% | 2,733 |
| Efficiency ratio | 63.6655% | 4,002 |
| Assets per employee ($millions) | 6.5022% | 1,154 |
| Cash dividends to net income (ytd only)* | 23.8010% | 3,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9446% | 4,606 |
| Loan loss allowance to noncurrent loans | 116.9999% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.6050% | 2,909 |
| Noncurrent loans to loans | 0.8074% | 2,501 |
| Net loans and leases to total assets | 67.0881% | 2,915 |
| Net loans and leases to deposits | 86.0941% | 2,153 |
| Net loans and leases to core deposits | 90.7755% | 2,433 |
| Total domestic deposits to total assets | 77.9242% | 4,986 |
| Equity capital to assets | 10.6884% | 2,938 |
| Core capital (leverage) ratio | 9.2594% | 4,392 |
| Tier 1 risk-based capital ratio | 11.5773% | 5,001 |
| Total risk-based capital ratio | 13.7903% | 4,246 |
| Memoranda: | ||
| Average total assets | $83,438,276,800 | 31 |
| Average earning assets | $76,019,870,000 | 29 |
| Average equity | $7,949,716,800 | 34 |
| Average total loans | $58,659,501,400 | 24 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3761% | 5,066 |
| Cost of funding earning assets | 0.2876% | 4,228 |
| Net interest margin | 3.0886% | 4,802 |
| Noninterest income to average assets | 1.1473% | 872 |
| Noninterest expense to average assets | 2.5701% | 3,764 |
| Loan and lease loss provision to assets | 0.1717% | 1,319 |
| Net operating income to assets | 0.9401% | 2,703 |
| Return on assets (ROA) | 0.9309% | 2,874 |
| Pretax return on assets | 1.2200% | 2,751 |
| Return on Equity (ROE) | 10.1582% | 1,993 |
| Retained earnings to average equity (ytd only) | 6.8445% | 1,701 |
| Net charge-offs to loans | 0.1936% | 1,212 |
| Credit loss provision to net charge-offs | 124.7280% | 2,030 |
| Earnings coverage of net charge-offs (x) | 10.1738% | 2,606 |
| Efficiency ratio | 64.0980% | 3,918 |
| Assets per employee ($millions) | 6.5782% | 1,060 |
| Cash dividends to net income (ytd only)* | 32.6206% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8825% | 4,923 |
| Loan loss allowance to noncurrent loans | 115.8157% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.5998% | 3,104 |
| Noncurrent loans to loans | 0.7620% | 2,769 |
| Net loans and leases to total assets | 68.7778% | 2,688 |
| Net loans and leases to deposits | 86.7730% | 2,173 |
| Net loans and leases to core deposits | 91.7629% | 2,411 |
| Total domestic deposits to total assets | 79.1219% | 4,695 |
| Equity capital to assets | 10.4358% | 3,622 |
| Core capital (leverage) ratio | 10.2600% | 3,270 |
| Tier 1 risk-based capital ratio | 10.7795% | 5,484 |
| Total risk-based capital ratio | 12.7713% | 4,985 |
| Memoranda: | ||
| Average total assets | $79,407,380,250 | 31 |
| Average earning assets | $72,581,473,250 | 31 |
| Average equity | $7,276,744,750 | 36 |
| Average total loans | $56,466,584,500 | 24 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4117% | 5,052 |
| Cost of funding earning assets | 0.2995% | 4,136 |
| Net interest margin | 3.1122% | 4,796 |
| Noninterest income to average assets | 1.1758% | 811 |
| Noninterest expense to average assets | 2.4909% | 4,055 |
| Loan and lease loss provision to assets | 0.1375% | 1,648 |
| Net operating income to assets | 1.0645% | 2,105 |
| Return on assets (ROA) | 1.0533% | 2,278 |
| Pretax return on assets | 1.3963% | 2,044 |
| Return on Equity (ROE) | 12.2825% | 1,216 |
| Retained earnings to average equity (ytd only) | 6.6940% | 1,765 |
| Net charge-offs to loans | 0.0968% | 1,877 |
| Credit loss provision to net charge-offs | 197.5003% | 1,320 |
| Earnings coverage of net charge-offs (x) | 22.1859% | 1,641 |
| Efficiency ratio | 61.2835% | 4,466 |
| Assets per employee ($millions) | 6.3370% | 1,173 |
| Cash dividends to net income (ytd only)* | 45.4992% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 3,573 |
| Loan loss allowance to noncurrent loans | 111.1208% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 0.7940% | 2,606 |
| Noncurrent loans to loans | 1.0453% | 2,194 |
| Net loans and leases to total assets | 71.3320% | 2,279 |
| Net loans and leases to deposits | 91.9838% | 1,518 |
| Net loans and leases to core deposits | 97.7884% | 1,822 |
| Total domestic deposits to total assets | 77.2463% | 5,125 |
| Equity capital to assets | 8.9630% | 5,265 |
| Core capital (leverage) ratio | 8.6144% | 5,250 |
| Tier 1 risk-based capital ratio | 10.2526% | 5,775 |
| Total risk-based capital ratio | 12.4470% | 5,233 |
| Memoranda: | ||
| Average total assets | $72,404,393,670 | 33 |
| Average earning assets | $66,528,684,670 | 33 |
| Average equity | $6,209,253,000 | 39 |
| Average total loans | $52,062,423,330 | 27 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4159% | 5,087 |
| Cost of funding earning assets | 0.2980% | 4,183 |
| Net interest margin | 3.1179% | 4,813 |
| Noninterest income to average assets | 1.1180% | 875 |
| Noninterest expense to average assets | 2.4772% | 4,139 |
| Loan and lease loss provision to assets | 0.1352% | 1,560 |
| Net operating income to assets | 1.0094% | 2,231 |
| Return on assets (ROA) | 0.9967% | 2,410 |
| Pretax return on assets | 1.3564% | 2,065 |
| Return on Equity (ROE) | 11.8987% | 1,343 |
| Retained earnings to average equity (ytd only) | 0.3391% | 5,036 |
| Net charge-offs to loans | 0.0658% | 1,838 |
| Credit loss provision to net charge-offs | 286.1698% | 876 |
| Earnings coverage of net charge-offs (x) | 31.8352% | 1,148 |
| Efficiency ratio | 61.7418% | 4,480 |
| Assets per employee ($millions) | 6.3143% | 1,211 |
| Cash dividends to net income (ytd only)* | 97.1499% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1720% | 3,652 |
| Loan loss allowance to noncurrent loans | 101.1077% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 0.8691% | 2,518 |
| Noncurrent loans to loans | 1.1591% | 2,087 |
| Net loans and leases to total assets | 71.0247% | 2,188 |
| Net loans and leases to deposits | 88.4786% | 1,769 |
| Net loans and leases to core deposits | 93.7110% | 2,019 |
| Total domestic deposits to total assets | 80.0247% | 4,738 |
| Equity capital to assets | 8.3353% | 5,672 |
| Core capital (leverage) ratio | 8.0234% | 5,761 |
| Tier 1 risk-based capital ratio | 9.4970% | 6,008 |
| Total risk-based capital ratio | 11.3711% | 5,818 |
| Memoranda: | ||
| Average total assets | $71,674,588,500 | 33 |
| Average earning assets | $65,827,904,500 | 33 |
| Average equity | $6,003,662,000 | 39 |
| Average total loans | $51,439,688,000 | 27 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4173% | 5,119 |
| Cost of funding earning assets | 0.2357% | 4,943 |
| Net interest margin | 3.1817% | 4,681 |
| Noninterest income to average assets | 1.2209% | 802 |
| Noninterest expense to average assets | 2.5507% | 4,069 |
| Loan and lease loss provision to assets | 0.1306% | 1,832 |
| Net operating income to assets | 0.9745% | 2,492 |
| Return on assets (ROA) | 0.9629% | 2,635 |
| Pretax return on assets | 1.4329% | 1,775 |
| Return on Equity (ROE) | 11.0269% | 1,605 |
| Retained earnings to average equity (ytd only) | -2.6769% | 5,793 |
| Net charge-offs to loans | 0.1981% | 1,476 |
| Credit loss provision to net charge-offs | 91.3906% | 2,733 |
| Earnings coverage of net charge-offs (x) | 11.0209% | 2,633 |
| Efficiency ratio | 60.9215% | 4,769 |
| Assets per employee ($millions) | 6.1389% | 1,293 |
| Cash dividends to net income (ytd only)* | 124.2758% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 3,641 |
| Loan loss allowance to noncurrent loans | 122.2967% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.7245% | 2,885 |
| Noncurrent loans to loans | 0.9571% | 2,416 |
| Net loans and leases to total assets | 70.8287% | 2,238 |
| Net loans and leases to deposits | 89.0798% | 1,733 |
| Net loans and leases to core deposits | 94.8410% | 1,966 |
| Total domestic deposits to total assets | 79.1342% | 4,950 |
| Equity capital to assets | 8.4182% | 5,622 |
| Core capital (leverage) ratio | 8.2089% | 5,690 |
| Tier 1 risk-based capital ratio | 9.8289% | 5,988 |
| Total risk-based capital ratio | 11.7403% | 5,704 |
| Memoranda: | ||
| Average total assets | $68,691,304,400 | 34 |
| Average earning assets | $62,716,115,600 | 34 |
| Average equity | $5,998,352,600 | 39 |
| Average total loans | $49,547,061,000 | 27 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4107% | 5,183 |
| Cost of funding earning assets | 0.2236% | 5,149 |
| Net interest margin | 3.1871% | 4,711 |
| Noninterest income to average assets | 1.2146% | 814 |
| Noninterest expense to average assets | 2.5623% | 4,006 |
| Loan and lease loss provision to assets | 0.1185% | 1,922 |
| Net operating income to assets | 0.9664% | 2,640 |
| Return on assets (ROA) | 0.9546% | 2,782 |
| Pretax return on assets | 1.4284% | 1,908 |
| Return on Equity (ROE) | 10.8301% | 1,771 |
| Retained earnings to average equity (ytd only) | -3.9985% | 5,990 |
| Net charge-offs to loans | 0.2044% | 1,266 |
| Credit loss provision to net charge-offs | 80.2343% | 2,609 |
| Earnings coverage of net charge-offs (x) | 10.5552% | 2,586 |
| Efficiency ratio | 61.1201% | 4,706 |
| Assets per employee ($millions) | 6.0688% | 1,322 |
| Cash dividends to net income (ytd only)* | 136.9203% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 3,820 |
| Loan loss allowance to noncurrent loans | 124.5547% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.7100% | 3,131 |
| Noncurrent loans to loans | 0.9385% | 2,624 |
| Net loans and leases to total assets | 71.0215% | 2,230 |
| Net loans and leases to deposits | 90.0461% | 1,644 |
| Net loans and leases to core deposits | 96.2150% | 1,859 |
| Total domestic deposits to total assets | 78.2967% | 5,130 |
| Equity capital to assets | 8.5862% | 5,653 |
| Core capital (leverage) ratio | 8.3254% | 5,693 |
| Tier 1 risk-based capital ratio | 9.8569% | 6,074 |
| Total risk-based capital ratio | 11.7634% | 5,806 |
| Memoranda: | ||
| Average total assets | $68,144,186,000 | 34 |
| Average earning assets | $62,140,556,500 | 34 |
| Average equity | $6,006,245,000 | 38 |
| Average total loans | $49,234,371,500 | 27 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3962% | 5,238 |
| Cost of funding earning assets | 0.2112% | 5,338 |
| Net interest margin | 3.1850% | 4,705 |
| Noninterest income to average assets | 1.2326% | 803 |
| Noninterest expense to average assets | 2.4588% | 4,366 |
| Loan and lease loss provision to assets | 0.1391% | 1,573 |
| Net operating income to assets | 1.0018% | 2,381 |
| Return on assets (ROA) | 0.9900% | 2,549 |
| Pretax return on assets | 1.5239% | 1,577 |
| Return on Equity (ROE) | 11.1330% | 1,639 |
| Retained earnings to average equity (ytd only) | -4.8885% | 6,013 |
| Net charge-offs to loans | 0.2220% | 1,154 |
| Credit loss provision to net charge-offs | 86.5676% | 2,253 |
| Earnings coverage of net charge-offs (x) | 10.4236% | 2,364 |
| Efficiency ratio | 58.1307% | 5,207 |
| Assets per employee ($millions) | 5.9197% | 1,421 |
| Cash dividends to net income (ytd only)* | 143.9099% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 3,736 |
| Loan loss allowance to noncurrent loans | 127.7414% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.7227% | 3,218 |
| Noncurrent loans to loans | 0.9464% | 2,759 |
| Net loans and leases to total assets | 70.9055% | 2,177 |
| Net loans and leases to deposits | 89.2910% | 1,687 |
| Net loans and leases to core deposits | 95.0467% | 1,872 |
| Total domestic deposits to total assets | 78.6058% | 5,173 |
| Equity capital to assets | 8.7143% | 5,513 |
| Core capital (leverage) ratio | 8.5379% | 5,498 |
| Tier 1 risk-based capital ratio | 9.8939% | 6,120 |
| Total risk-based capital ratio | 11.1863% | 6,062 |
| Memoranda: | ||
| Average total assets | $67,520,481,330 | 34 |
| Average earning assets | $61,501,321,670 | 34 |
| Average equity | $6,004,435,000 | 38 |
| Average total loans | $48,874,465,330 | 28 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3222% | 5,397 |
| Cost of funding earning assets | 0.1972% | 5,539 |
| Net interest margin | 3.1250% | 4,866 |
| Noninterest income to average assets | 1.1126% | 916 |
| Noninterest expense to average assets | 2.4054% | 4,578 |
| Loan and lease loss provision to assets | 0.1596% | 1,268 |
| Net operating income to assets | 0.8880% | 2,804 |
| Return on assets (ROA) | 0.8759% | 2,994 |
| Pretax return on assets | 1.3886% | 1,930 |
| Return on Equity (ROE) | 9.7490% | 2,113 |
| Retained earnings to average equity (ytd only) | -12.4623% | 6,184 |
| Net charge-offs to loans | 0.2373% | 1,004 |
| Credit loss provision to net charge-offs | 92.5392% | 1,729 |
| Earnings coverage of net charge-offs (x) | 9.0457% | 2,039 |
| Efficiency ratio | 59.2312% | 5,192 |
| Assets per employee ($millions) | 6.0617% | 1,358 |
| Cash dividends to net income (ytd only)* | 227.8308% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 3,845 |
| Loan loss allowance to noncurrent loans | 126.1977% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.7532% | 3,233 |
| Noncurrent loans to loans | 0.9660% | 2,841 |
| Net loans and leases to total assets | 71.8296% | 1,834 |
| Net loans and leases to deposits | 90.4431% | 1,343 |
| Net loans and leases to core deposits | 96.3217% | 1,592 |
| Total domestic deposits to total assets | 78.6313% | 5,332 |
| Equity capital to assets | 8.7869% | 5,513 |
| Core capital (leverage) ratio | 8.6738% | 5,349 |
| Tier 1 risk-based capital ratio | 9.8078% | 6,211 |
| Total risk-based capital ratio | 11.1519% | 6,155 |
| Memoranda: | ||
| Average total assets | $66,949,658,500 | 34 |
| Average earning assets | $61,126,073,000 | 34 |
| Average equity | $6,014,952,000 | 37 |
| Average total loans | $48,671,179,500 | 27 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5055% | 5,304 |
| Cost of funding earning assets | 0.2129% | 5,643 |
| Net interest margin | 3.2926% | 4,602 |
| Noninterest income to average assets | 1.1947% | 844 |
| Noninterest expense to average assets | 2.6001% | 4,221 |
| Loan and lease loss provision to assets | 0.1335% | 1,961 |
| Net operating income to assets | 1.0361% | 2,233 |
| Return on assets (ROA) | 1.0473% | 2,245 |
| Pretax return on assets | 1.4802% | 1,618 |
| Return on Equity (ROE) | 11.2329% | 1,642 |
| Retained earnings to average equity (ytd only) | 7.0678% | 1,375 |
| Net charge-offs to loans | 0.2740% | 1,582 |
| Credit loss provision to net charge-offs | 66.6616% | 3,150 |
| Earnings coverage of net charge-offs (x) | 7.9629% | 2,946 |
| Efficiency ratio | 60.6155% | 5,128 |
| Assets per employee ($millions) | 6.0249% | 1,357 |
| Cash dividends to net income (ytd only)* | 37.0793% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2551% | 3,694 |
| Loan loss allowance to noncurrent loans | 140.4430% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.7031% | 3,464 |
| Noncurrent loans to loans | 0.8937% | 3,082 |
| Net loans and leases to total assets | 71.7676% | 1,946 |
| Net loans and leases to deposits | 90.3470% | 1,484 |
| Net loans and leases to core deposits | 95.8225% | 1,739 |
| Total domestic deposits to total assets | 78.8289% | 5,285 |
| Equity capital to assets | 9.1867% | 5,090 |
| Core capital (leverage) ratio | 9.5616% | 4,159 |
| Tier 1 risk-based capital ratio | 11.2824% | 5,776 |
| Total risk-based capital ratio | 12.7902% | 5,553 |
| Memoranda: | ||
| Average total assets | $62,831,008,800 | 34 |
| Average earning assets | $57,245,311,800 | 34 |
| Average equity | $5,858,253,800 | 38 |
| Average total loans | $45,918,460,800 | 27 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5224% | 5,340 |
| Cost of funding earning assets | 0.2169% | 5,697 |
| Net interest margin | 3.3055% | 4,585 |
| Noninterest income to average assets | 1.2174% | 824 |
| Noninterest expense to average assets | 2.5879% | 4,233 |
| Loan and lease loss provision to assets | 0.1864% | 1,308 |
| Net operating income to assets | 1.0390% | 2,285 |
| Return on assets (ROA) | 1.0586% | 2,269 |
| Pretax return on assets | 1.4838% | 1,696 |
| Return on Equity (ROE) | 11.3096% | 1,681 |
| Retained earnings to average equity (ytd only) | 5.7049% | 2,599 |
| Net charge-offs to loans | 0.3020% | 1,309 |
| Credit loss provision to net charge-offs | 84.3309% | 2,517 |
| Earnings coverage of net charge-offs (x) | 7.4181% | 2,929 |
| Efficiency ratio | 59.8760% | 5,198 |
| Assets per employee ($millions) | 5.9304% | 1,377 |
| Cash dividends to net income (ytd only)* | 49.5573% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3349% | 3,473 |
| Loan loss allowance to noncurrent loans | 134.8100% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.7848% | 3,465 |
| Noncurrent loans to loans | 0.9902% | 3,096 |
| Net loans and leases to total assets | 72.5085% | 1,762 |
| Net loans and leases to deposits | 91.1658% | 1,302 |
| Net loans and leases to core deposits | 96.5674% | 1,631 |
| Total domestic deposits to total assets | 78.9077% | 5,346 |
| Equity capital to assets | 9.2445% | 5,092 |
| Core capital (leverage) ratio | 9.4904% | 4,394 |
| Tier 1 risk-based capital ratio | 11.2223% | 5,904 |
| Total risk-based capital ratio | 12.7670% | 5,709 |
| Memoranda: | ||
| Average total assets | $62,011,001,250 | 35 |
| Average earning assets | $56,470,672,250 | 36 |
| Average equity | $5,804,465,250 | 39 |
| Average total loans | $45,385,729,000 | 28 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5186% | 5,370 |
| Cost of funding earning assets | 0.2207% | 5,743 |
| Net interest margin | 3.2978% | 4,598 |
| Noninterest income to average assets | 1.2297% | 773 |
| Noninterest expense to average assets | 2.5835% | 4,294 |
| Loan and lease loss provision to assets | 0.1977% | 1,232 |
| Net operating income to assets | 1.0347% | 2,185 |
| Return on assets (ROA) | 1.0705% | 2,115 |
| Pretax return on assets | 1.4996% | 1,538 |
| Return on Equity (ROE) | 11.3878% | 1,604 |
| Retained earnings to average equity (ytd only) | 8.7853% | 1,054 |
| Net charge-offs to loans | 0.3248% | 1,254 |
| Credit loss provision to net charge-offs | 83.2846% | 2,295 |
| Earnings coverage of net charge-offs (x) | 6.9292% | 2,701 |
| Efficiency ratio | 59.7621% | 5,323 |
| Assets per employee ($millions) | 5.7919% | 1,437 |
| Cash dividends to net income (ytd only)* | 22.8529% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3646% | 3,516 |
| Loan loss allowance to noncurrent loans | 137.3981% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.7783% | 3,636 |
| Noncurrent loans to loans | 0.9931% | 3,250 |
| Net loans and leases to total assets | 71.8464% | 1,770 |
| Net loans and leases to deposits | 92.1948% | 1,123 |
| Net loans and leases to core deposits | 97.3812% | 1,486 |
| Total domestic deposits to total assets | 77.3525% | 5,748 |
| Equity capital to assets | 9.3456% | 4,926 |
| Core capital (leverage) ratio | 9.7796% | 3,919 |
| Tier 1 risk-based capital ratio | 11.2857% | 5,910 |
| Total risk-based capital ratio | 12.8313% | 5,711 |
| Memoranda: | ||
| Average total assets | $61,312,243,330 | 35 |
| Average earning assets | $55,752,354,330 | 36 |
| Average equity | $5,763,831,670 | 39 |
| Average total loans | $44,810,263,000 | 28 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5051% | 5,404 |
| Cost of funding earning assets | 0.2242% | 5,805 |
| Net interest margin | 3.2809% | 4,619 |
| Noninterest income to average assets | 1.1922% | 780 |
| Noninterest expense to average assets | 2.6368% | 4,162 |
| Loan and lease loss provision to assets | 0.1905% | 1,242 |
| Net operating income to assets | 0.9620% | 2,349 |
| Return on assets (ROA) | 1.0459% | 2,094 |
| Pretax return on assets | 1.4631% | 1,538 |
| Return on Equity (ROE) | 11.0909% | 1,655 |
| Retained earnings to average equity (ytd only) | 11.0909% | 727 |
| Net charge-offs to loans | 0.4010% | 908 |
| Credit loss provision to net charge-offs | 64.8887% | 2,054 |
| Earnings coverage of net charge-offs (x) | 5.2355% | 2,400 |
| Efficiency ratio | 61.8107% | 5,150 |
| Assets per employee ($millions) | 5.6113% | 1,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4106% | 3,551 |
| Loan loss allowance to noncurrent loans | 130.9717% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.8474% | 3,610 |
| Noncurrent loans to loans | 1.0770% | 3,266 |
| Net loans and leases to total assets | 72.1753% | 1,553 |
| Net loans and leases to deposits | 87.5830% | 1,408 |
| Net loans and leases to core deposits | 92.3453% | 1,697 |
| Total domestic deposits to total assets | 81.8547% | 4,983 |
| Equity capital to assets | 9.5200% | 4,475 |
| Core capital (leverage) ratio | 9.9554% | 3,629 |
| Tier 1 risk-based capital ratio | 11.5098% | 5,909 |
| Total risk-based capital ratio | 13.1114% | 5,655 |
| Memoranda: | ||
| Average total assets | $60,133,215,500 | 35 |
| Average earning assets | $54,648,543,500 | 36 |
| Average equity | $5,670,576,000 | 39 |
| Average total loans | $44,026,571,000 | 28 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6972% | 5,144 |
| Cost of funding earning assets | 0.2693% | 5,837 |
| Net interest margin | 3.4279% | 4,172 |
| Noninterest income to average assets | 1.3660% | 748 |
| Noninterest expense to average assets | 2.7420% | 3,939 |
| Loan and lease loss provision to assets | 0.1194% | 2,822 |
| Net operating income to assets | 1.1968% | 1,581 |
| Return on assets (ROA) | 1.1961% | 1,652 |
| Pretax return on assets | 1.6010% | 1,165 |
| Return on Equity (ROE) | 13.3917% | 1,090 |
| Retained earnings to average equity (ytd only) | 13.3917% | 225 |
| Net charge-offs to loans | 0.4454% | 1,492 |
| Credit loss provision to net charge-offs | 35.8624% | 4,135 |
| Earnings coverage of net charge-offs (x) | 5.1692% | 3,364 |
| Efficiency ratio | 59.9320% | 5,481 |
| Assets per employee ($millions) | 5.5822% | 1,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4854% | 3,262 |
| Loan loss allowance to noncurrent loans | 133.0636% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.8643% | 3,727 |
| Noncurrent loans to loans | 1.1163% | 3,306 |
| Net loans and leases to total assets | 72.1347% | 1,660 |
| Net loans and leases to deposits | 88.0630% | 1,455 |
| Net loans and leases to core deposits | 92.3636% | 1,756 |
| Total domestic deposits to total assets | 81.3803% | 5,073 |
| Equity capital to assets | 9.3375% | 4,642 |
| Core capital (leverage) ratio | 9.9653% | 3,622 |
| Tier 1 risk-based capital ratio | 11.4537% | 5,930 |
| Total risk-based capital ratio | 13.1432% | 5,621 |
| Memoranda: | ||
| Average total assets | $56,701,693,000 | 35 |
| Average earning assets | $51,229,644,800 | 35 |
| Average equity | $5,064,250,000 | 42 |
| Average total loans | $42,387,043,800 | 28 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7375% | 5,067 |
| Cost of funding earning assets | 0.2773% | 5,909 |
| Net interest margin | 3.4602% | 4,057 |
| Noninterest income to average assets | 1.3793% | 768 |
| Noninterest expense to average assets | 2.7758% | 3,744 |
| Loan and lease loss provision to assets | 0.0950% | 3,176 |
| Net operating income to assets | 1.2042% | 1,616 |
| Return on assets (ROA) | 1.2024% | 1,698 |
| Pretax return on assets | 1.6274% | 1,274 |
| Return on Equity (ROE) | 13.6270% | 1,092 |
| Retained earnings to average equity (ytd only) | 13.6270% | 284 |
| Net charge-offs to loans | 0.4505% | 1,425 |
| Credit loss provision to net charge-offs | 28.0482% | 3,931 |
| Earnings coverage of net charge-offs (x) | 5.0940% | 3,283 |
| Efficiency ratio | 60.1672% | 5,409 |
| Assets per employee ($millions) | 5.2008% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5478% | 3,238 |
| Loan loss allowance to noncurrent loans | 130.6655% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.9718% | 3,716 |
| Noncurrent loans to loans | 1.1846% | 3,449 |
| Net loans and leases to total assets | 74.8025% | 1,157 |
| Net loans and leases to deposits | 88.5190% | 1,313 |
| Net loans and leases to core deposits | 92.6282% | 1,709 |
| Total domestic deposits to total assets | 83.8171% | 4,275 |
| Equity capital to assets | 9.1796% | 4,965 |
| Core capital (leverage) ratio | 10.0089% | 3,666 |
| Tier 1 risk-based capital ratio | 11.4066% | 6,098 |
| Total risk-based capital ratio | 13.1057% | 5,819 |
| Memoranda: | ||
| Average total assets | $56,050,915,000 | 36 |
| Average earning assets | $50,560,806,750 | 35 |
| Average equity | $4,945,917,000 | 42 |
| Average total loans | $42,127,711,500 | 28 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7345% | 5,037 |
| Cost of funding earning assets | 0.2910% | 5,893 |
| Net interest margin | 3.4435% | 4,027 |
| Noninterest income to average assets | 1.4025% | 803 |
| Noninterest expense to average assets | 2.7937% | 3,693 |
| Loan and lease loss provision to assets | 0.1852% | 2,040 |
| Net operating income to assets | 1.1436% | 1,770 |
| Return on assets (ROA) | 1.1410% | 1,890 |
| Pretax return on assets | 1.5249% | 1,547 |
| Return on Equity (ROE) | 13.1082% | 1,221 |
| Retained earnings to average equity (ytd only) | 13.1082% | 373 |
| Net charge-offs to loans | 0.4151% | 1,561 |
| Credit loss provision to net charge-offs | 59.5948% | 3,028 |
| Earnings coverage of net charge-offs (x) | 5.5129% | 2,883 |
| Efficiency ratio | 60.4716% | 5,405 |
| Assets per employee ($millions) | 5.0688% | 2,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7332% | 2,656 |
| Loan loss allowance to noncurrent loans | 134.5642% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 1.0241% | 3,707 |
| Noncurrent loans to loans | 1.2880% | 3,403 |
| Net loans and leases to total assets | 74.0675% | 1,237 |
| Net loans and leases to deposits | 87.4931% | 1,406 |
| Net loans and leases to core deposits | 92.1955% | 1,689 |
| Total domestic deposits to total assets | 84.0360% | 4,299 |
| Equity capital to assets | 8.8387% | 5,400 |
| Core capital (leverage) ratio | 9.6818% | 3,965 |
| Tier 1 risk-based capital ratio | 11.1258% | 6,280 |
| Total risk-based capital ratio | 12.8318% | 6,024 |
| Memoranda: | ||
| Average total assets | $55,923,118,000 | 36 |
| Average earning assets | $50,420,734,670 | 36 |
| Average equity | $4,867,742,330 | 42 |
| Average total loans | $41,877,637,670 | 28 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7468% | 5,000 |
| Cost of funding earning assets | 0.3149% | 5,848 |
| Net interest margin | 3.4319% | 4,001 |
| Noninterest income to average assets | 1.4114% | 768 |
| Noninterest expense to average assets | 2.7844% | 3,752 |
| Loan and lease loss provision to assets | 0.2144% | 1,731 |
| Net operating income to assets | 1.1163% | 1,796 |
| Return on assets (ROA) | 1.1135% | 1,915 |
| Pretax return on assets | 1.4999% | 1,551 |
| Return on Equity (ROE) | 12.8924% | 1,195 |
| Retained earnings to average equity (ytd only) | 12.8924% | 572 |
| Net charge-offs to loans | 0.4972% | 1,211 |
| Credit loss provision to net charge-offs | 57.7675% | 2,489 |
| Earnings coverage of net charge-offs (x) | 4.6295% | 2,512 |
| Efficiency ratio | 60.3324% | 5,542 |
| Assets per employee ($millions) | 5.1028% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7723% | 2,723 |
| Loan loss allowance to noncurrent loans | 129.2655% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 1.0907% | 3,752 |
| Noncurrent loans to loans | 1.3711% | 3,511 |
| Net loans and leases to total assets | 73.8374% | 1,102 |
| Net loans and leases to deposits | 86.0191% | 1,349 |
| Net loans and leases to core deposits | 90.9196% | 1,618 |
| Total domestic deposits to total assets | 85.2942% | 3,904 |
| Equity capital to assets | 8.7767% | 5,728 |
| Core capital (leverage) ratio | 9.3841% | 4,267 |
| Tier 1 risk-based capital ratio | 10.7888% | 6,490 |
| Total risk-based capital ratio | 12.7680% | 6,147 |
| Memoranda: | ||
| Average total assets | $55,907,343,500 | 36 |
| Average earning assets | $50,355,989,500 | 36 |
| Average equity | $4,828,780,500 | 42 |
| Average total loans | $41,728,847,000 | 28 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8998% | 5,574 |
| Cost of funding earning assets | 0.4532% | 5,564 |
| Net interest margin | 3.4467% | 4,714 |
| Noninterest income to average assets | 1.5738% | 640 |
| Noninterest expense to average assets | 2.8956% | 3,658 |
| Loan and lease loss provision to assets | 0.2739% | 2,456 |
| Net operating income to assets | 1.1522% | 1,765 |
| Return on assets (ROA) | 1.1588% | 1,901 |
| Pretax return on assets | 1.5050% | 1,660 |
| Return on Equity (ROE) | 14.5927% | 891 |
| Retained earnings to average equity (ytd only) | 14.5927% | 175 |
| Net charge-offs to loans | 0.8007% | 1,459 |
| Credit loss provision to net charge-offs | 46.0680% | 4,784 |
| Earnings coverage of net charge-offs (x) | 2.9772% | 3,936 |
| Efficiency ratio | 60.4044% | 5,487 |
| Assets per employee ($millions) | 5.1906% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8474% | 2,447 |
| Loan loss allowance to noncurrent loans | 126.1885% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 1.1500% | 3,743 |
| Noncurrent loans to loans | 1.4640% | 3,400 |
| Net loans and leases to total assets | 72.7407% | 1,383 |
| Net loans and leases to deposits | 86.0689% | 1,505 |
| Net loans and leases to core deposits | 90.5702% | 1,770 |
| Total domestic deposits to total assets | 84.0176% | 4,305 |
| Equity capital to assets | 8.4978% | 6,058 |
| Core capital (leverage) ratio | 9.0478% | 4,820 |
| Tier 1 risk-based capital ratio | 10.4943% | 6,559 |
| Total risk-based capital ratio | 12.7814% | 6,048 |
| Memoranda: | ||
| Average total assets | $55,676,423,600 | 35 |
| Average earning assets | $49,950,604,000 | 35 |
| Average equity | $4,421,039,600 | 44 |
| Average total loans | $41,350,254,000 | 28 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8990% | 5,789 |
| Cost of funding earning assets | 0.4826% | 5,551 |
| Net interest margin | 3.4163% | 4,981 |
| Noninterest income to average assets | 1.5316% | 632 |
| Noninterest expense to average assets | 2.9077% | 3,564 |
| Loan and lease loss provision to assets | 0.2406% | 2,646 |
| Net operating income to assets | 1.1180% | 2,031 |
| Return on assets (ROA) | 1.1252% | 2,201 |
| Pretax return on assets | 1.4577% | 2,044 |
| Return on Equity (ROE) | 14.4247% | 1,019 |
| Retained earnings to average equity (ytd only) | 14.4247% | 272 |
| Net charge-offs to loans | 0.8351% | 1,313 |
| Credit loss provision to net charge-offs | 38.7669% | 4,639 |
| Earnings coverage of net charge-offs (x) | 2.7215% | 3,946 |
| Efficiency ratio | 61.5793% | 5,222 |
| Assets per employee ($millions) | 5.2665% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8679% | 2,588 |
| Loan loss allowance to noncurrent loans | 123.0565% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 1.2501% | 3,799 |
| Noncurrent loans to loans | 1.5179% | 3,508 |
| Net loans and leases to total assets | 73.4460% | 1,329 |
| Net loans and leases to deposits | 86.4799% | 1,547 |
| Net loans and leases to core deposits | 91.4663% | 1,830 |
| Total domestic deposits to total assets | 84.3708% | 4,053 |
| Equity capital to assets | 8.2381% | 6,466 |
| Core capital (leverage) ratio | 8.6840% | 5,495 |
| Tier 1 risk-based capital ratio | 10.0315% | 6,792 |
| Total risk-based capital ratio | 12.5205% | 6,340 |
| Memoranda: | ||
| Average total assets | $55,606,873,250 | 35 |
| Average earning assets | $49,888,684,000 | 36 |
| Average equity | $4,337,578,000 | 45 |
| Average total loans | $41,320,842,750 | 28 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9041% | 5,904 |
| Cost of funding earning assets | 0.5075% | 5,567 |
| Net interest margin | 3.3966% | 5,104 |
| Noninterest income to average assets | 1.5655% | 604 |
| Noninterest expense to average assets | 2.9171% | 3,557 |
| Loan and lease loss provision to assets | 0.2465% | 2,596 |
| Net operating income to assets | 1.0872% | 2,089 |
| Return on assets (ROA) | 1.0866% | 2,318 |
| Pretax return on assets | 1.4446% | 2,030 |
| Return on Equity (ROE) | 14.1989% | 1,070 |
| Retained earnings to average equity (ytd only) | 14.1989% | 333 |
| Net charge-offs to loans | 0.7835% | 1,406 |
| Credit loss provision to net charge-offs | 42.4484% | 4,204 |
| Earnings coverage of net charge-offs (x) | 2.9136% | 3,577 |
| Efficiency ratio | 61.5926% | 5,311 |
| Assets per employee ($millions) | 5.4421% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0311% | 2,149 |
| Loan loss allowance to noncurrent loans | 134.2293% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 1.2111% | 3,994 |
| Noncurrent loans to loans | 1.5132% | 3,635 |
| Net loans and leases to total assets | 72.8410% | 1,416 |
| Net loans and leases to deposits | 87.1435% | 1,457 |
| Net loans and leases to core deposits | 94.2837% | 1,571 |
| Total domestic deposits to total assets | 81.3499% | 5,348 |
| Equity capital to assets | 7.8202% | 6,665 |
| Core capital (leverage) ratio | 8.4198% | 5,763 |
| Tier 1 risk-based capital ratio | 9.7022% | 6,888 |
| Total risk-based capital ratio | 12.4094% | 6,402 |
| Memoranda: | ||
| Average total assets | $55,397,165,330 | 35 |
| Average earning assets | $49,640,794,330 | 36 |
| Average equity | $4,239,176,330 | 46 |
| Average total loans | $41,064,698,000 | 28 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9071% | 6,000 |
| Cost of funding earning assets | 0.5354% | 5,580 |
| Net interest margin | 3.3717% | 5,234 |
| Noninterest income to average assets | 1.6938% | 518 |
| Noninterest expense to average assets | 3.0283% | 3,160 |
| Loan and lease loss provision to assets | 0.2335% | 2,606 |
| Net operating income to assets | 1.0412% | 2,321 |
| Return on assets (ROA) | 1.0380% | 2,523 |
| Pretax return on assets | 1.4446% | 2,038 |
| Return on Equity (ROE) | 13.7192% | 1,246 |
| Retained earnings to average equity (ytd only) | 13.7192% | 596 |
| Net charge-offs to loans | 0.7828% | 1,312 |
| Credit loss provision to net charge-offs | 40.2986% | 3,446 |
| Earnings coverage of net charge-offs (x) | 2.9042% | 3,022 |
| Efficiency ratio | 62.6398% | 5,164 |
| Assets per employee ($millions) | 5.4844% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1964% | 1,890 |
| Loan loss allowance to noncurrent loans | 139.0802% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 1.2666% | 4,024 |
| Noncurrent loans to loans | 1.5793% | 3,742 |
| Net loans and leases to total assets | 71.8734% | 1,423 |
| Net loans and leases to deposits | 86.6916% | 1,326 |
| Net loans and leases to core deposits | 92.7453% | 1,577 |
| Total domestic deposits to total assets | 80.6721% | 5,684 |
| Equity capital to assets | 7.6125% | 6,731 |
| Core capital (leverage) ratio | 8.2375% | 5,970 |
| Tier 1 risk-based capital ratio | 9.5414% | 6,960 |
| Total risk-based capital ratio | 12.4922% | 6,402 |
| Memoranda: | ||
| Average total assets | $54,884,023,500 | 35 |
| Average earning assets | $49,112,293,500 | 36 |
| Average equity | $4,152,559,000 | 47 |
| Average total loans | $40,621,307,500 | 29 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1547% | 6,176 |
| Cost of funding earning assets | 0.8034% | 4,841 |
| Net interest margin | 3.3513% | 5,645 |
| Noninterest income to average assets | 1.4400% | 630 |
| Noninterest expense to average assets | 2.8389% | 4,202 |
| Loan and lease loss provision to assets | 0.3093% | 3,193 |
| Net operating income to assets | 0.9894% | 2,239 |
| Return on assets (ROA) | 0.9851% | 2,400 |
| Pretax return on assets | 1.2735% | 2,224 |
| Return on Equity (ROE) | 13.8117% | 975 |
| Retained earnings to average equity (ytd only) | 13.8117% | 181 |
| Net charge-offs to loans | 1.1468% | 1,483 |
| Credit loss provision to net charge-offs | 36.8812% | 5,681 |
| Earnings coverage of net charge-offs (x) | 1.8942% | 4,355 |
| Efficiency ratio | 62.0742% | 5,448 |
| Assets per employee ($millions) | 5.3199% | 1,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3386% | 1,560 |
| Loan loss allowance to noncurrent loans | 134.6308% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 1.3847% | 3,924 |
| Noncurrent loans to loans | 1.7370% | 3,565 |
| Net loans and leases to total assets | 72.8086% | 1,491 |
| Net loans and leases to deposits | 89.0518% | 1,263 |
| Net loans and leases to core deposits | 95.3646% | 1,556 |
| Total domestic deposits to total assets | 79.7192% | 5,814 |
| Equity capital to assets | 7.5184% | 6,803 |
| Core capital (leverage) ratio | 7.8899% | 6,368 |
| Tier 1 risk-based capital ratio | 9.2990% | 6,992 |
| Total risk-based capital ratio | 12.6014% | 6,245 |
| Memoranda: | ||
| Average total assets | $53,541,118,000 | 35 |
| Average earning assets | $47,728,277,600 | 36 |
| Average equity | $3,818,621,000 | 46 |
| Average total loans | $39,152,947,000 | 28 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1851% | 6,244 |
| Cost of funding earning assets | 0.8510% | 4,765 |
| Net interest margin | 3.3341% | 5,759 |
| Noninterest income to average assets | 1.4822% | 597 |
| Noninterest expense to average assets | 2.8315% | 4,229 |
| Loan and lease loss provision to assets | 0.3260% | 2,925 |
| Net operating income to assets | 1.0038% | 2,302 |
| Return on assets (ROA) | 1.0042% | 2,454 |
| Pretax return on assets | 1.2960% | 2,302 |
| Return on Equity (ROE) | 14.2760% | 983 |
| Retained earnings to average equity (ytd only) | 14.2760% | 281 |
| Net charge-offs to loans | 1.2303% | 1,261 |
| Credit loss provision to net charge-offs | 36.4152% | 5,313 |
| Earnings coverage of net charge-offs (x) | 1.8113% | 4,303 |
| Efficiency ratio | 61.5427% | 5,482 |
| Assets per employee ($millions) | 5.2715% | 1,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5519% | 1,324 |
| Loan loss allowance to noncurrent loans | 142.6883% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 1.3683% | 4,089 |
| Noncurrent loans to loans | 1.7885% | 3,651 |
| Net loans and leases to total assets | 69.7439% | 2,127 |
| Net loans and leases to deposits | 86.7670% | 1,581 |
| Net loans and leases to core deposits | 93.2358% | 1,853 |
| Total domestic deposits to total assets | 78.6114% | 6,069 |
| Equity capital to assets | 7.3616% | 6,963 |
| Core capital (leverage) ratio | 7.7851% | 6,578 |
| Tier 1 risk-based capital ratio | 9.3998% | 7,063 |
| Total risk-based capital ratio | 13.5363% | 5,662 |
| Memoranda: | ||
| Average total assets | $53,380,551,750 | 36 |
| Average earning assets | $47,563,807,250 | 36 |
| Average equity | $3,754,845,750 | 47 |
| Average total loans | $38,842,479,750 | 28 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2340% | 6,207 |
| Cost of funding earning assets | 0.8837% | 4,804 |
| Net interest margin | 3.3504% | 5,709 |
| Noninterest income to average assets | 1.4667% | 594 |
| Noninterest expense to average assets | 2.8607% | 4,188 |
| Loan and lease loss provision to assets | 0.3448% | 2,714 |
| Net operating income to assets | 0.9739% | 2,339 |
| Return on assets (ROA) | 0.9784% | 2,417 |
| Pretax return on assets | 1.2513% | 2,303 |
| Return on Equity (ROE) | 14.1370% | 951 |
| Retained earnings to average equity (ytd only) | 14.1370% | 300 |
| Net charge-offs to loans | 1.3487% | 1,133 |
| Credit loss provision to net charge-offs | 34.9392% | 4,907 |
| Earnings coverage of net charge-offs (x) | 1.6113% | 4,084 |
| Efficiency ratio | 62.2097% | 5,559 |
| Assets per employee ($millions) | 5.0985% | 1,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6991% | 1,180 |
| Loan loss allowance to noncurrent loans | 143.1449% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 1.4719% | 4,005 |
| Noncurrent loans to loans | 1.8856% | 3,627 |
| Net loans and leases to total assets | 72.2469% | 1,743 |
| Net loans and leases to deposits | 90.4769% | 1,221 |
| Net loans and leases to core deposits | 96.2725% | 1,651 |
| Total domestic deposits to total assets | 78.3964% | 6,218 |
| Equity capital to assets | 7.2852% | 7,031 |
| Core capital (leverage) ratio | 7.6196% | 6,651 |
| Tier 1 risk-based capital ratio | 9.0122% | 7,177 |
| Total risk-based capital ratio | 13.1724% | 5,824 |
| Memoranda: | ||
| Average total assets | $52,920,730,670 | 36 |
| Average earning assets | $47,137,258,670 | 36 |
| Average equity | $3,662,717,000 | 49 |
| Average total loans | $38,726,007,000 | 29 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2627% | 6,115 |
| Cost of funding earning assets | 0.9195% | 4,781 |
| Net interest margin | 3.3432% | 5,632 |
| Noninterest income to average assets | 1.3993% | 665 |
| Noninterest expense to average assets | 2.8971% | 4,068 |
| Loan and lease loss provision to assets | 0.3922% | 2,228 |
| Net operating income to assets | 0.8915% | 2,607 |
| Return on assets (ROA) | 0.8918% | 2,665 |
| Pretax return on assets | 1.0895% | 2,795 |
| Return on Equity (ROE) | 13.2314% | 1,144 |
| Retained earnings to average equity (ytd only) | 13.2314% | 557 |
| Net charge-offs to loans | 1.6901% | 782 |
| Credit loss provision to net charge-offs | 31.9460% | 4,082 |
| Earnings coverage of net charge-offs (x) | 1.2066% | 3,760 |
| Efficiency ratio | 64.0735% | 5,357 |
| Assets per employee ($millions) | 5.1388% | 1,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9215% | 987 |
| Loan loss allowance to noncurrent loans | 141.2240% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 1.6080% | 3,832 |
| Noncurrent loans to loans | 2.0687% | 3,489 |
| Net loans and leases to total assets | 70.6495% | 1,994 |
| Net loans and leases to deposits | 88.3355% | 1,426 |
| Net loans and leases to core deposits | 94.3587% | 1,848 |
| Total domestic deposits to total assets | 78.1695% | 6,357 |
| Equity capital to assets | 6.8994% | 7,120 |
| Core capital (leverage) ratio | 7.2251% | 6,906 |
| Tier 1 risk-based capital ratio | 8.8664% | 7,232 |
| Total risk-based capital ratio | 13.1084% | 5,817 |
| Memoranda: | ||
| Average total assets | $52,981,099,500 | 36 |
| Average earning assets | $47,213,923,000 | 36 |
| Average equity | $3,570,781,500 | 49 |
| Average total loans | $38,486,752,500 | 29 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7012% | 5,797 |
| Cost of funding earning assets | 1.2699% | 4,079 |
| Net interest margin | 3.4313% | 5,510 |
| Noninterest income to average assets | 1.5808% | 583 |
| Noninterest expense to average assets | 2.7779% | 4,680 |
| Loan and lease loss provision to assets | 1.1728% | 1,347 |
| Net operating income to assets | 0.6946% | 3,249 |
| Return on assets (ROA) | 0.6638% | 3,518 |
| Pretax return on assets | 0.6268% | 4,236 |
| Return on Equity (ROE) | 10.5564% | 1,738 |
| Retained earnings to average equity (ytd only) | 10.5564% | 431 |
| Net charge-offs to loans | 2.2446% | 863 |
| Credit loss provision to net charge-offs | 72.0431% | 5,812 |
| Earnings coverage of net charge-offs (x) | 1.1244% | 4,983 |
| Efficiency ratio | 57.9764% | 6,336 |
| Assets per employee ($millions) | 5.2191% | 1,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1711% | 751 |
| Loan loss allowance to noncurrent loans | 129.4328% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 1.9002% | 3,478 |
| Noncurrent loans to loans | 2.4500% | 3,073 |
| Net loans and leases to total assets | 70.2119% | 2,492 |
| Net loans and leases to deposits | 88.0712% | 1,780 |
| Net loans and leases to core deposits | 95.1690% | 2,103 |
| Total domestic deposits to total assets | 77.8375% | 6,350 |
| Equity capital to assets | 6.5826% | 7,241 |
| Core capital (leverage) ratio | 6.9687% | 7,041 |
| Tier 1 risk-based capital ratio | 8.5089% | 7,302 |
| Total risk-based capital ratio | 12.8207% | 5,855 |
| Memoranda: | ||
| Average total assets | $51,970,425,600 | 36 |
| Average earning assets | $45,852,822,400 | 37 |
| Average equity | $3,267,788,600 | 51 |
| Average total loans | $37,690,974,800 | 30 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7715% | 5,778 |
| Cost of funding earning assets | 1.3380% | 3,992 |
| Net interest margin | 3.4336% | 5,558 |
| Noninterest income to average assets | 1.5842% | 557 |
| Noninterest expense to average assets | 2.7551% | 4,665 |
| Loan and lease loss provision to assets | 1.3558% | 1,002 |
| Net operating income to assets | 0.5380% | 4,145 |
| Return on assets (ROA) | 0.5069% | 4,473 |
| Pretax return on assets | 0.4654% | 5,026 |
| Return on Equity (ROE) | 8.1605% | 2,839 |
| Retained earnings to average equity (ytd only) | 8.1605% | 1,367 |
| Net charge-offs to loans | 2.4037% | 718 |
| Credit loss provision to net charge-offs | 77.7694% | 5,202 |
| Earnings coverage of net charge-offs (x) | 1.0625% | 4,992 |
| Efficiency ratio | 57.4764% | 6,348 |
| Assets per employee ($millions) | 5.2038% | 1,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4515% | 559 |
| Loan loss allowance to noncurrent loans | 113.9257% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 2.4214% | 2,953 |
| Noncurrent loans to loans | 3.0296% | 2,633 |
| Net loans and leases to total assets | 69.7703% | 2,788 |
| Net loans and leases to deposits | 87.4431% | 2,090 |
| Net loans and leases to core deposits | 95.7462% | 2,295 |
| Total domestic deposits to total assets | 77.2631% | 6,428 |
| Equity capital to assets | 6.6872% | 7,397 |
| Core capital (leverage) ratio | 6.8505% | 7,231 |
| Tier 1 risk-based capital ratio | 8.2844% | 7,451 |
| Total risk-based capital ratio | 12.6908% | 5,970 |
| Memoranda: | ||
| Average total assets | $51,611,214,750 | 36 |
| Average earning assets | $45,443,052,750 | 37 |
| Average equity | $3,205,836,500 | 51 |
| Average total loans | $37,432,142,750 | 30 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8401% | 5,639 |
| Cost of funding earning assets | 1.4113% | 3,804 |
| Net interest margin | 3.4288% | 5,521 |
| Noninterest income to average assets | 1.5714% | 521 |
| Noninterest expense to average assets | 2.7309% | 4,783 |
| Loan and lease loss provision to assets | 1.5924% | 824 |
| Net operating income to assets | 0.4241% | 4,639 |
| Return on assets (ROA) | 0.3944% | 4,940 |
| Pretax return on assets | 0.2299% | 5,705 |
| Return on Equity (ROE) | 6.5206% | 3,537 |
| Retained earnings to average equity (ytd only) | 6.5206% | 2,066 |
| Net charge-offs to loans | 2.6608% | 624 |
| Credit loss provision to net charge-offs | 82.4120% | 4,644 |
| Earnings coverage of net charge-offs (x) | 0.9585% | 4,822 |
| Efficiency ratio | 57.2381% | 6,483 |
| Assets per employee ($millions) | 5.0982% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6669% | 483 |
| Loan loss allowance to noncurrent loans | 102.6953% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 2.8886% | 2,488 |
| Noncurrent loans to loans | 3.5707% | 2,208 |
| Net loans and leases to total assets | 70.6642% | 2,757 |
| Net loans and leases to deposits | 88.5009% | 2,091 |
| Net loans and leases to core deposits | 96.6661% | 2,366 |
| Total domestic deposits to total assets | 77.1233% | 6,475 |
| Equity capital to assets | 6.4343% | 7,475 |
| Core capital (leverage) ratio | 6.5403% | 7,372 |
| Tier 1 risk-based capital ratio | 7.8032% | 7,539 |
| Total risk-based capital ratio | 12.2348% | 6,242 |
| Memoranda: | ||
| Average total assets | $51,246,939,670 | 35 |
| Average earning assets | $45,009,287,670 | 36 |
| Average equity | $3,099,638,000 | 51 |
| Average total loans | $37,214,086,330 | 30 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8881% | 5,522 |
| Cost of funding earning assets | 1.4923% | 3,610 |
| Net interest margin | 3.3959% | 5,599 |
| Noninterest income to average assets | 1.4303% | 589 |
| Noninterest expense to average assets | 2.7302% | 4,763 |
| Loan and lease loss provision to assets | 1.7873% | 635 |
| Net operating income to assets | 0.3437% | 5,111 |
| Return on assets (ROA) | 0.3134% | 5,371 |
| Pretax return on assets | -0.1434% | 6,499 |
| Return on Equity (ROE) | 5.3522% | 4,180 |
| Retained earnings to average equity (ytd only) | 5.3522% | 2,960 |
| Net charge-offs to loans | 2.5309% | 645 |
| Credit loss provision to net charge-offs | 97.7449% | 3,494 |
| Earnings coverage of net charge-offs (x) | 0.9156% | 4,223 |
| Efficiency ratio | 59.5416% | 6,257 |
| Assets per employee ($millions) | 5.3255% | 1,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9383% | 401 |
| Loan loss allowance to noncurrent loans | 75.2104% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 4.0674% | 1,681 |
| Noncurrent loans to loans | 5.2364% | 1,363 |
| Net loans and leases to total assets | 69.2259% | 3,102 |
| Net loans and leases to deposits | 85.6630% | 2,656 |
| Net loans and leases to core deposits | 94.2955% | 2,808 |
| Total domestic deposits to total assets | 77.8872% | 6,345 |
| Equity capital to assets | 6.1903% | 7,595 |
| Core capital (leverage) ratio | 5.9903% | 7,581 |
| Tier 1 risk-based capital ratio | 7.1294% | 7,686 |
| Total risk-based capital ratio | 11.5518% | 6,801 |
| Memoranda: | ||
| Average total assets | $51,264,642,000 | 35 |
| Average earning assets | $44,900,152,000 | 36 |
| Average equity | $3,001,906,000 | 50 |
| Average total loans | $37,038,266,000 | 29 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0472% | 6,282 |
| Cost of funding earning assets | 1.8764% | 3,588 |
| Net interest margin | 3.1708% | 6,182 |
| Noninterest income to average assets | 1.4585% | 677 |
| Noninterest expense to average assets | 7.4209% | 181 |
| Loan and lease loss provision to assets | 3.9481% | 351 |
| Net operating income to assets | -5.9992% | 7,837 |
| Return on assets (ROA) | -6.0502% | 7,830 |
| Pretax return on assets | -7.2453% | 7,881 |
| Return on Equity (ROE) | -91.2828% | 7,905 |
| Retained earnings to average equity (ytd only) | -91.2828% | 7,903 |
| Net charge-offs to loans | 3.7472% | 490 |
| Credit loss provision to net charge-offs | 140.2246% | 3,472 |
| Earnings coverage of net charge-offs (x) | -1.1517% | 6,912 |
| Efficiency ratio | 55.6785% | 7,055 |
| Assets per employee ($millions) | 5.5166% | 1,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9559% | 372 |
| Loan loss allowance to noncurrent loans | 68.7249% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 4.4414% | 1,455 |
| Noncurrent loans to loans | 5.7561% | 1,106 |
| Net loans and leases to total assets | 69.5699% | 3,345 |
| Net loans and leases to deposits | 84.6000% | 3,162 |
| Net loans and leases to core deposits | 94.3612% | 4,644 |
| Total domestic deposits to total assets | 78.7607% | 6,043 |
| Equity capital to assets | 5.5191% | 7,731 |
| Core capital (leverage) ratio | 5.5908% | 7,695 |
| Tier 1 risk-based capital ratio | 6.6897% | 7,778 |
| Total risk-based capital ratio | 11.1312% | 6,943 |
| Memoranda: | ||
| Average total assets | $51,739,522,400 | 35 |
| Average earning assets | $44,377,716,000 | 35 |
| Average equity | $3,429,266,400 | 48 |
| Average total loans | $38,876,414,400 | 27 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0733% | 6,368 |
| Cost of funding earning assets | 1.9432% | 3,653 |
| Net interest margin | 3.1301% | 6,233 |
| Noninterest income to average assets | 1.4506% | 706 |
| Noninterest expense to average assets | 9.1748% | 115 |
| Loan and lease loss provision to assets | 2.9798% | 501 |
| Net operating income to assets | -7.0423% | 7,980 |
| Return on assets (ROA) | -7.0955% | 7,981 |
| Pretax return on assets | -8.0878% | 8,002 |
| Return on Equity (ROE) | -102.8196% | 8,018 |
| Retained earnings to average equity (ytd only) | -102.8196% | 8,016 |
| Net charge-offs to loans | 3.4644% | 434 |
| Credit loss provision to net charge-offs | 113.4662% | 4,481 |
| Earnings coverage of net charge-offs (x) | -1.9238% | 6,735 |
| Efficiency ratio | 59.2594% | 6,519 |
| Assets per employee ($millions) | 5.6552% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7033% | 879 |
| Loan loss allowance to noncurrent loans | 42.7404% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 4.8482% | 1,216 |
| Noncurrent loans to loans | 6.3250% | 921 |
| Net loans and leases to total assets | 70.3547% | 3,424 |
| Net loans and leases to deposits | 87.6157% | 3,040 |
| Net loans and leases to core deposits | 99.5535% | 4,423 |
| Total domestic deposits to total assets | 75.9727% | 6,583 |
| Equity capital to assets | 6.0720% | 7,843 |
| Core capital (leverage) ratio | 6.4816% | 7,683 |
| Tier 1 risk-based capital ratio | 7.5020% | 7,853 |
| Total risk-based capital ratio | 11.8238% | 6,353 |
| Memoranda: | ||
| Average total assets | $51,896,591,750 | 36 |
| Average earning assets | $44,298,875,750 | 37 |
| Average equity | $3,581,366,000 | 49 |
| Average total loans | $39,339,858,750 | 29 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1584% | 6,230 |
| Cost of funding earning assets | 2.0558% | 3,497 |
| Net interest margin | 3.1026% | 6,231 |
| Noninterest income to average assets | 1.4999% | 656 |
| Noninterest expense to average assets | 12.5180% | 88 |
| Loan and lease loss provision to assets | 2.6620% | 578 |
| Net operating income to assets | -9.9441% | 8,121 |
| Return on assets (ROA) | -10.0003% | 8,119 |
| Pretax return on assets | -11.1231% | 8,123 |
| Return on Equity (ROE) | -139.3189% | 8,117 |
| Retained earnings to average equity (ytd only) | -139.3189% | 8,115 |
| Net charge-offs to loans | 3.3369% | 477 |
| Credit loss provision to net charge-offs | 103.6390% | 4,431 |
| Earnings coverage of net charge-offs (x) | -3.2715% | 6,415 |
| Efficiency ratio | 60.1130% | 6,532 |
| Assets per employee ($millions) | 5.4998% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3313% | 1,066 |
| Loan loss allowance to noncurrent loans | 44.2466% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 4.3486% | 1,321 |
| Noncurrent loans to loans | 5.2689% | 1,131 |
| Net loans and leases to total assets | 74.3937% | 2,597 |
| Net loans and leases to deposits | 92.9810% | 2,277 |
| Net loans and leases to core deposits | 107.0996% | 3,712 |
| Total domestic deposits to total assets | 76.2537% | 6,498 |
| Equity capital to assets | 5.9111% | 7,944 |
| Core capital (leverage) ratio | 6.4633% | 7,815 |
| Tier 1 risk-based capital ratio | 7.1950% | 7,991 |
| Total risk-based capital ratio | 11.4371% | 6,658 |
| Memoranda: | ||
| Average total assets | $51,866,022,670 | 39 |
| Average earning assets | $43,715,553,330 | 39 |
| Average equity | $3,722,920,000 | 49 |
| Average total loans | $39,922,323,670 | 28 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1576% | 6,456 |
| Cost of funding earning assets | 2.1310% | 3,513 |
| Net interest margin | 3.0267% | 6,410 |
| Noninterest income to average assets | 1.4007% | 719 |
| Noninterest expense to average assets | 22.1712% | 51 |
| Loan and lease loss provision to assets | 2.1271% | 558 |
| Net operating income to assets | -18.7844% | 8,219 |
| Return on assets (ROA) | -18.8082% | 8,214 |
| Pretax return on assets | -20.3828% | 8,215 |
| Return on Equity (ROE) | -241.2934% | 8,207 |
| Retained earnings to average equity (ytd only) | -241.2934% | 8,206 |
| Net charge-offs to loans | 3.2779% | 381 |
| Credit loss provision to net charge-offs | 83.8822% | 4,127 |
| Earnings coverage of net charge-offs (x) | -7.1902% | 5,599 |
| Efficiency ratio | 60.3539% | 6,342 |
| Assets per employee ($millions) | 5.3473% | 1,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0794% | 1,271 |
| Loan loss allowance to noncurrent loans | 46.7471% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 3.8735% | 1,357 |
| Noncurrent loans to loans | 4.4481% | 1,297 |
| Net loans and leases to total assets | 76.2743% | 2,214 |
| Net loans and leases to deposits | 96.3353% | 1,895 |
| Net loans and leases to core deposits | 111.3679% | 3,277 |
| Total domestic deposits to total assets | 76.1676% | 6,479 |
| Equity capital to assets | 5.6458% | 8,049 |
| Core capital (leverage) ratio | 5.9537% | 8,016 |
| Tier 1 risk-based capital ratio | 6.8172% | 8,108 |
| Total risk-based capital ratio | 11.0414% | 7,055 |
| Memoranda: | ||
| Average total assets | $52,324,010,000 | 40 |
| Average earning assets | $43,864,510,500 | 40 |
| Average equity | $4,078,528,500 | 46 |
| Average total loans | $40,479,295,000 | 29 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0800% | 5,145 |
| Cost of funding earning assets | 2.6912% | 3,198 |
| Net interest margin | 3.3887% | 5,703 |
| Noninterest income to average assets | 1.3167% | 840 |
| Noninterest expense to average assets | 2.3837% | 6,453 |
| Loan and lease loss provision to assets | 1.4779% | 917 |
| Net operating income to assets | 0.3103% | 5,508 |
| Return on assets (ROA) | 0.0798% | 6,000 |
| Pretax return on assets | -0.0619% | 6,224 |
| Return on Equity (ROE) | 0.7811% | 5,979 |
| Retained earnings to average equity (ytd only) | 0.7811% | 4,755 |
| Net charge-offs to loans | 1.1654% | 1,041 |
| Credit loss provision to net charge-offs | 168.4752% | 3,052 |
| Earnings coverage of net charge-offs (x) | 2.0246% | 5,061 |
| Efficiency ratio | 54.2164% | 7,246 |
| Assets per employee ($millions) | 5.3872% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1602% | 990 |
| Loan loss allowance to noncurrent loans | 53.2961% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 3.3399% | 1,352 |
| Noncurrent loans to loans | 4.0533% | 1,211 |
| Net loans and leases to total assets | 75.1963% | 2,833 |
| Net loans and leases to deposits | 102.7856% | 1,496 |
| Net loans and leases to core deposits | 121.2786% | 2,579 |
| Total domestic deposits to total assets | 69.9697% | 7,278 |
| Equity capital to assets | 9.8425% | 4,235 |
| Core capital (leverage) ratio | 5.9931% | 8,081 |
| Tier 1 risk-based capital ratio | 6.4444% | 8,208 |
| Total risk-based capital ratio | 10.7100% | 7,267 |
| Memoranda: | ||
| Average total assets | $54,360,916,400 | 36 |
| Average earning assets | $45,607,644,000 | 38 |
| Average equity | $5,555,154,000 | 31 |
| Average total loans | $40,917,781,000 | 29 |