Home > Third Federal Savings and Loan Association of Cleveland > Performance and Condition Ratios
Third Federal Savings and Loan Association of Cleveland, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5858% | 3,772 |
| Cost of funding earning assets | 2.9289% | 564 |
| Net interest margin | 1.6569% | 4,360 |
| Noninterest income to average assets | 0.1200% | 4,121 |
| Noninterest expense to average assets | 1.1276% | 4,386 |
| Loan and lease loss provision to assets | -0.0100% | 4,079 |
| Net operating income to assets | 0.4508% | 3,585 |
| Return on assets (ROA) | 0.4508% | 3,606 |
| Pretax return on assets | 0.5826% | 3,498 |
| Return on Equity (ROE) | 4.5100% | 3,602 |
| Retained earnings to average equity (ytd only) | 2.1614% | 3,315 |
| Net charge-offs to loans | -0.0338% | 4,277 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 66.1458% | 2,476 |
| Assets per employee ($millions) | 18.3693% | 130 |
| Cash dividends to net income (ytd only)* | 52.0786% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4578% | 4,304 |
| Loan loss allowance to noncurrent loans | 193.2329% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.2142% | 2,402 |
| Noncurrent loans to loans | 0.2369% | 2,568 |
| Net loans and leases to total assets | 90.0100% | 31 |
| Net loans and leases to deposits | 147.9565% | 21 |
| Net loans and leases to core deposits | 193.4991% | 55 |
| Total domestic deposits to total assets | 60.8400% | 4,325 |
| Equity capital to assets | 10.0845% | 2,077 |
| Core capital (leverage) ratio | 9.9645% | 2,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5893% | 954 |
| Memoranda: | ||
| Average total assets | $17,038,832,400 | 116 |
| Average earning assets | $16,266,552,600 | 105 |
| Average equity | $1,702,942,200 | 116 |
| Average total loans | $15,323,384,400 | 87 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5754% | 3,730 |
| Cost of funding earning assets | 2.9170% | 579 |
| Net interest margin | 1.6583% | 4,387 |
| Noninterest income to average assets | 0.1100% | 4,188 |
| Noninterest expense to average assets | 1.1440% | 4,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.4312% | 3,627 |
| Return on assets (ROA) | 0.4312% | 3,657 |
| Pretax return on assets | 0.5572% | 3,551 |
| Return on Equity (ROE) | 4.3200% | 3,666 |
| Retained earnings to average equity (ytd only) | 4.3244% | 2,718 |
| Net charge-offs to loans | -0.0326% | 4,255 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 67.1331% | 2,355 |
| Assets per employee ($millions) | 18.6437% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4543% | 4,341 |
| Loan loss allowance to noncurrent loans | 208.2773% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 2,474 |
| Noncurrent loans to loans | 0.2181% | 2,660 |
| Net loans and leases to total assets | 89.8200% | 30 |
| Net loans and leases to deposits | 148.6184% | 20 |
| Net loans and leases to core deposits | 196.0846% | 48 |
| Total domestic deposits to total assets | 60.4400% | 4,358 |
| Equity capital to assets | 9.9141% | 2,352 |
| Core capital (leverage) ratio | 10.1079% | 2,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9071% | 935 |
| Memoranda: | ||
| Average total assets | $17,036,864,500 | 116 |
| Average earning assets | $16,262,820,000 | 109 |
| Average equity | $1,698,908,750 | 119 |
| Average total loans | $15,300,656,250 | 87 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5367% | 3,722 |
| Cost of funding earning assets | 2.8727% | 570 |
| Net interest margin | 1.6640% | 4,399 |
| Noninterest income to average assets | 0.1100% | 4,190 |
| Noninterest expense to average assets | 1.1432% | 4,429 |
| Loan and lease loss provision to assets | -0.0200% | 4,221 |
| Net operating income to assets | 0.4470% | 3,568 |
| Return on assets (ROA) | 0.4470% | 3,603 |
| Pretax return on assets | 0.5766% | 3,493 |
| Return on Equity (ROE) | 4.4700% | 3,640 |
| Retained earnings to average equity (ytd only) | 4.4744% | 2,537 |
| Net charge-offs to loans | -0.0343% | 4,262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 66.8919% | 2,451 |
| Assets per employee ($millions) | 18.5231% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4417% | 4,362 |
| Loan loss allowance to noncurrent loans | 190.9271% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 2,353 |
| Noncurrent loans to loans | 0.2314% | 2,558 |
| Net loans and leases to total assets | 89.4100% | 41 |
| Net loans and leases to deposits | 149.5795% | 24 |
| Net loans and leases to core deposits | 195.7863% | 48 |
| Total domestic deposits to total assets | 59.7800% | 4,371 |
| Equity capital to assets | 10.1773% | 1,976 |
| Core capital (leverage) ratio | 9.9633% | 2,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0564% | 912 |
| Memoranda: | ||
| Average total assets | $17,023,271,333 | 115 |
| Average earning assets | $16,250,352,667 | 107 |
| Average equity | $1,700,847,000 | 116 |
| Average total loans | $15,264,263,000 | 87 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5211% | 3,643 |
| Cost of funding earning assets | 2.8333% | 565 |
| Net interest margin | 1.6878% | 4,427 |
| Noninterest income to average assets | 0.1100% | 4,170 |
| Noninterest expense to average assets | 1.1632% | 4,453 |
| Loan and lease loss provision to assets | -0.0200% | 4,249 |
| Net operating income to assets | 0.4548% | 3,497 |
| Return on assets (ROA) | 0.4548% | 3,524 |
| Pretax return on assets | 0.5850% | 3,416 |
| Return on Equity (ROE) | 4.5900% | 3,546 |
| Retained earnings to average equity (ytd only) | 4.5943% | 2,527 |
| Net charge-offs to loans | -0.0328% | 4,243 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 67.1671% | 2,478 |
| Assets per employee ($millions) | 18.0895% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4477% | 4,351 |
| Loan loss allowance to noncurrent loans | 193.3708% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.2087% | 2,306 |
| Noncurrent loans to loans | 0.2315% | 2,491 |
| Net loans and leases to total assets | 89.1500% | 49 |
| Net loans and leases to deposits | 150.9091% | 16 |
| Net loans and leases to core deposits | 197.4116% | 82 |
| Total domestic deposits to total assets | 59.0800% | 4,428 |
| Equity capital to assets | 10.0669% | 1,975 |
| Core capital (leverage) ratio | 9.7937% | 2,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1329% | 915 |
| Memoranda: | ||
| Average total assets | $17,023,521,500 | 113 |
| Average earning assets | $16,239,987,000 | 106 |
| Average equity | $1,685,044,500 | 114 |
| Average total loans | $15,252,453,500 | 86 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1286% | 3,755 |
| Cost of funding earning assets | 2.4405% | 417 |
| Net interest margin | 1.6881% | 4,478 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 1.2118% | 4,461 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.4020% | 3,864 |
| Return on assets (ROA) | 0.4020% | 3,859 |
| Pretax return on assets | 0.5146% | 3,780 |
| Return on Equity (ROE) | 4.0700% | 3,874 |
| Retained earnings to average equity (ytd only) | 4.0690% | 2,935 |
| Net charge-offs to loans | -0.0385% | 4,310 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.2598% | 1,844 |
| Assets per employee ($millions) | 17.4620% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4522% | 4,365 |
| Loan loss allowance to noncurrent loans | 206.2517% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 2,211 |
| Noncurrent loans to loans | 0.2192% | 2,441 |
| Net loans and leases to total assets | 89.2400% | 48 |
| Net loans and leases to deposits | 151.3630% | 13 |
| Net loans and leases to core deposits | 200.4189% | 80 |
| Total domestic deposits to total assets | 58.9500% | 4,447 |
| Equity capital to assets | 9.7302% | 2,176 |
| Core capital (leverage) ratio | 9.7721% | 2,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9558% | 927 |
| Memoranda: | ||
| Average total assets | $16,579,240,800 | 112 |
| Average earning assets | $15,792,969,800 | 106 |
| Average equity | $1,637,849,800 | 110 |
| Average total loans | $14,937,040,200 | 84 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0317% | 3,797 |
| Cost of funding earning assets | 2.3323% | 379 |
| Net interest margin | 1.6994% | 4,502 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 1.2359% | 4,470 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3862% | 3,985 |
| Return on assets (ROA) | 0.3862% | 3,986 |
| Pretax return on assets | 0.4915% | 3,913 |
| Return on Equity (ROE) | 3.8900% | 3,997 |
| Retained earnings to average equity (ytd only) | 3.8942% | 3,286 |
| Net charge-offs to loans | -0.0426% | 4,328 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.4209% | 1,626 |
| Assets per employee ($millions) | 17.0403% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5071% | 4,343 |
| Loan loss allowance to noncurrent loans | 242.2604% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.1973% | 2,278 |
| Noncurrent loans to loans | 0.2093% | 2,517 |
| Net loans and leases to total assets | 89.7400% | 38 |
| Net loans and leases to deposits | 157.9634% | 10 |
| Net loans and leases to core deposits | 199.6987% | 40 |
| Total domestic deposits to total assets | 56.8100% | 4,476 |
| Equity capital to assets | 10.0844% | 1,781 |
| Core capital (leverage) ratio | 9.8249% | 2,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8690% | 963 |
| Memoranda: | ||
| Average total assets | $16,463,275,750 | 113 |
| Average earning assets | $15,682,105,250 | 108 |
| Average equity | $1,632,737,000 | 112 |
| Average total loans | $14,851,945,000 | 87 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9244% | 3,827 |
| Cost of funding earning assets | 2.2232% | 322 |
| Net interest margin | 1.7012% | 4,555 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 1.2750% | 4,483 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 0.3658% | 4,062 |
| Return on assets (ROA) | 0.3658% | 4,082 |
| Pretax return on assets | 0.4726% | 4,013 |
| Return on Equity (ROE) | 3.7100% | 4,067 |
| Retained earnings to average equity (ytd only) | 3.7098% | 3,279 |
| Net charge-offs to loans | -0.0403% | 4,315 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.1906% | 1,440 |
| Assets per employee ($millions) | 16.4995% | 154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5001% | 4,378 |
| Loan loss allowance to noncurrent loans | 244.9987% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 2,231 |
| Noncurrent loans to loans | 0.2041% | 2,446 |
| Net loans and leases to total assets | 89.7600% | 38 |
| Net loans and leases to deposits | 162.3793% | 11 |
| Net loans and leases to core deposits | 193.4255% | 46 |
| Total domestic deposits to total assets | 55.2800% | 4,510 |
| Equity capital to assets | 9.9541% | 1,883 |
| Core capital (leverage) ratio | 9.9335% | 2,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5190% | 881 |
| Memoranda: | ||
| Average total assets | $16,316,382,333 | 113 |
| Average earning assets | $15,538,474,667 | 105 |
| Average equity | $1,608,763,333 | 109 |
| Average total loans | $14,720,486,000 | 84 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8394% | 3,780 |
| Cost of funding earning assets | 2.1131% | 227 |
| Net interest margin | 1.7263% | 4,615 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 1.3166% | 4,527 |
| Loan and lease loss provision to assets | -0.0200% | 4,456 |
| Net operating income to assets | 0.3541% | 4,167 |
| Return on assets (ROA) | 0.3541% | 4,121 |
| Pretax return on assets | 0.4608% | 4,040 |
| Return on Equity (ROE) | 3.6100% | 4,101 |
| Retained earnings to average equity (ytd only) | 3.6089% | 3,368 |
| Net charge-offs to loans | -0.0330% | 4,244 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.8378% | 1,261 |
| Assets per employee ($millions) | 15.9776% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5063% | 4,431 |
| Loan loss allowance to noncurrent loans | 226.7494% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 2,092 |
| Noncurrent loans to loans | 0.2233% | 2,372 |
| Net loans and leases to total assets | 89.6500% | 39 |
| Net loans and leases to deposits | 159.5205% | 13 |
| Net loans and leases to core deposits | 187.6558% | 45 |
| Total domestic deposits to total assets | 56.2000% | 4,555 |
| Equity capital to assets | 9.7661% | 1,954 |
| Core capital (leverage) ratio | 9.9408% | 2,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2836% | 950 |
| Memoranda: | ||
| Average total assets | $16,183,560,500 | 116 |
| Average earning assets | $15,404,064,500 | 108 |
| Average equity | $1,587,846,000 | 113 |
| Average total loans | $14,601,190,000 | 88 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1516% | 3,903 |
| Cost of funding earning assets | 1.2141% | 67 |
| Net interest margin | 1.9375% | 4,567 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 1.2814% | 4,567 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.5164% | 4,063 |
| Return on assets (ROA) | 0.5164% | 4,016 |
| Pretax return on assets | 0.6580% | 3,933 |
| Return on Equity (ROE) | 5.0600% | 4,014 |
| Retained earnings to average equity (ytd only) | 2.4823% | 3,864 |
| Net charge-offs to loans | -0.0681% | 4,423 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.3655% | 2,309 |
| Assets per employee ($millions) | 15.6636% | 177 |
| Cash dividends to net income (ytd only)* | 50.9781% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5115% | 4,421 |
| Loan loss allowance to noncurrent loans | 216.7045% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.2218% | 2,047 |
| Noncurrent loans to loans | 0.2360% | 2,332 |
| Net loans and leases to total assets | 89.8800% | 36 |
| Net loans and leases to deposits | 157.4739% | 14 |
| Net loans and leases to core deposits | 187.2708% | 31 |
| Total domestic deposits to total assets | 57.0700% | 4,589 |
| Equity capital to assets | 9.8572% | 1,787 |
| Core capital (leverage) ratio | 9.9545% | 2,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3319% | 924 |
| Memoranda: | ||
| Average total assets | $15,194,203,400 | 124 |
| Average earning assets | $14,510,292,000 | 120 |
| Average equity | $1,549,581,200 | 122 |
| Average total loans | $13,762,743,000 | 93 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9635% | 3,956 |
| Cost of funding earning assets | 1.0288% | 55 |
| Net interest margin | 1.9348% | 4,572 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 1.2751% | 4,593 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.5110% | 4,049 |
| Return on assets (ROA) | 0.5110% | 3,998 |
| Pretax return on assets | 0.6461% | 3,904 |
| Return on Equity (ROE) | 4.9700% | 3,985 |
| Retained earnings to average equity (ytd only) | 4.9659% | 3,111 |
| Net charge-offs to loans | -0.0757% | 4,419 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.1766% | 2,389 |
| Assets per employee ($millions) | 15.4361% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5083% | 4,467 |
| Loan loss allowance to noncurrent loans | 202.1436% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 2,048 |
| Noncurrent loans to loans | 0.2515% | 2,369 |
| Net loans and leases to total assets | 90.4300% | 22 |
| Net loans and leases to deposits | 157.2598% | 11 |
| Net loans and leases to core deposits | 183.7277% | 30 |
| Total domestic deposits to total assets | 57.5100% | 4,633 |
| Equity capital to assets | 10.1782% | 1,533 |
| Core capital (leverage) ratio | 10.3332% | 2,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8377% | 879 |
| Memoranda: | ||
| Average total assets | $14,963,377,000 | 127 |
| Average earning assets | $14,295,818,000 | 122 |
| Average equity | $1,539,783,500 | 126 |
| Average total loans | $13,563,298,500 | 97 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7940% | 3,990 |
| Cost of funding earning assets | 0.9027% | 60 |
| Net interest margin | 1.8913% | 4,602 |
| Noninterest income to average assets | 0.1059% | 4,460 |
| Noninterest expense to average assets | 1.3136% | 4,587 |
| Loan and lease loss provision to assets | 0.0408% | 1,846 |
| Net operating income to assets | 0.4376% | 4,033 |
| Return on assets (ROA) | 0.4376% | 3,988 |
| Pretax return on assets | 0.5584% | 3,908 |
| Return on Equity (ROE) | 4.2356% | 3,981 |
| Retained earnings to average equity (ytd only) | 4.2356% | 3,002 |
| Net charge-offs to loans | -0.0806% | 4,385 |
| Credit loss provision to net charge-offs | -9.5691% | 2,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3725% | 2,189 |
| Assets per employee ($millions) | 15.3445% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4973% | 4,555 |
| Loan loss allowance to noncurrent loans | 181.5496% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 2,068 |
| Noncurrent loans to loans | 0.2739% | 2,380 |
| Net loans and leases to total assets | 90.2966% | 19 |
| Net loans and leases to deposits | 150.2818% | 7 |
| Net loans and leases to core deposits | 179.3088% | 32 |
| Total domestic deposits to total assets | 60.0849% | 4,690 |
| Equity capital to assets | 10.1363% | 1,634 |
| Core capital (leverage) ratio | 10.6292% | 1,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9590% | 858 |
| Memoranda: | ||
| Average total assets | $14,692,596,667 | 127 |
| Average earning assets | $14,037,054,667 | 124 |
| Average equity | $1,517,815,667 | 128 |
| Average total loans | $13,304,523,667 | 96 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7157% | 3,915 |
| Cost of funding earning assets | 0.9087% | 56 |
| Net interest margin | 1.8070% | 4,614 |
| Noninterest income to average assets | 0.1093% | 4,462 |
| Noninterest expense to average assets | 1.3114% | 4,616 |
| Loan and lease loss provision to assets | -0.0279% | 4,471 |
| Net operating income to assets | 0.4336% | 3,888 |
| Return on assets (ROA) | 0.4336% | 3,850 |
| Pretax return on assets | 0.5523% | 3,745 |
| Return on Equity (ROE) | 4.1555% | 3,836 |
| Retained earnings to average equity (ytd only) | 4.1555% | 2,881 |
| Net charge-offs to loans | -0.0835% | 4,414 |
| Credit loss provision to net charge-offs | 72.3781% | 1,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1185% | 2,090 |
| Assets per employee ($millions) | 14.8039% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4873% | 4,595 |
| Loan loss allowance to noncurrent loans | 160.0657% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 2,019 |
| Noncurrent loans to loans | 0.3044% | 2,371 |
| Net loans and leases to total assets | 90.1759% | 11 |
| Net loans and leases to deposits | 143.6937% | 8 |
| Net loans and leases to core deposits | 168.2229% | 31 |
| Total domestic deposits to total assets | 62.7556% | 4,716 |
| Equity capital to assets | 10.4718% | 1,602 |
| Core capital (leverage) ratio | 10.9909% | 1,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8541% | 779 |
| Memoranda: | ||
| Average total assets | $14,343,623,500 | 131 |
| Average earning assets | $13,704,908,500 | 127 |
| Average equity | $1,496,706,500 | 132 |
| Average total loans | $12,973,489,500 | 100 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7763% | 4,234 |
| Cost of funding earning assets | 1.1032% | 45 |
| Net interest margin | 1.6731% | 4,695 |
| Noninterest income to average assets | 0.2488% | 3,879 |
| Noninterest expense to average assets | 1.2609% | 4,695 |
| Loan and lease loss provision to assets | -0.0630% | 4,416 |
| Net operating income to assets | 0.5042% | 4,077 |
| Return on assets (ROA) | 0.5042% | 4,121 |
| Pretax return on assets | 0.6498% | 4,034 |
| Return on Equity (ROE) | 4.9968% | 3,998 |
| Retained earnings to average equity (ytd only) | 1.1089% | 4,232 |
| Net charge-offs to loans | -0.0460% | 4,289 |
| Credit loss provision to net charge-offs | 214.2809% | 1,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8976% | 1,997 |
| Assets per employee ($millions) | 14.0920% | 238 |
| Cash dividends to net income (ytd only)* | 77.8070% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4988% | 4,629 |
| Loan loss allowance to noncurrent loans | 143.7590% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.3141% | 1,980 |
| Noncurrent loans to loans | 0.3469% | 2,337 |
| Net loans and leases to total assets | 89.8225% | 17 |
| Net loans and leases to deposits | 139.1434% | 12 |
| Net loans and leases to core deposits | 159.9190% | 44 |
| Total domestic deposits to total assets | 64.5539% | 4,742 |
| Equity capital to assets | 10.3963% | 2,271 |
| Core capital (leverage) ratio | 10.9276% | 1,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2898% | 722 |
| Memoranda: | ||
| Average total assets | $14,275,632,000 | 130 |
| Average earning assets | $13,641,505,600 | 122 |
| Average equity | $1,440,390,400 | 136 |
| Average total loans | $12,779,480,400 | 95 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7937% | 4,305 |
| Cost of funding earning assets | 1.1288% | 49 |
| Net interest margin | 1.6649% | 4,777 |
| Noninterest income to average assets | 0.2687% | 3,801 |
| Noninterest expense to average assets | 1.2534% | 4,774 |
| Loan and lease loss provision to assets | -0.0652% | 4,510 |
| Net operating income to assets | 0.5225% | 4,155 |
| Return on assets (ROA) | 0.5225% | 4,203 |
| Pretax return on assets | 0.6715% | 4,119 |
| Return on Equity (ROE) | 5.2180% | 4,085 |
| Retained earnings to average equity (ytd only) | 5.2180% | 3,135 |
| Net charge-offs to loans | -0.0408% | 4,262 |
| Credit loss provision to net charge-offs | 253.2040% | 1,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0451% | 1,968 |
| Assets per employee ($millions) | 14.0418% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5110% | 4,696 |
| Loan loss allowance to noncurrent loans | 145.9621% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 2,188 |
| Noncurrent loans to loans | 0.3501% | 2,526 |
| Net loans and leases to total assets | 89.1473% | 26 |
| Net loans and leases to deposits | 136.7948% | 18 |
| Net loans and leases to core deposits | 157.1270% | 53 |
| Total domestic deposits to total assets | 65.1687% | 4,799 |
| Equity capital to assets | 10.5948% | 2,371 |
| Core capital (leverage) ratio | 11.1481% | 1,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0003% | 693 |
| Memoranda: | ||
| Average total assets | $14,314,492,750 | 127 |
| Average earning assets | $13,679,930,750 | 122 |
| Average equity | $1,433,492,000 | 137 |
| Average total loans | $12,787,680,500 | 95 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8004% | 4,338 |
| Cost of funding earning assets | 1.1429% | 58 |
| Net interest margin | 1.6576% | 4,815 |
| Noninterest income to average assets | 0.2942% | 3,661 |
| Noninterest expense to average assets | 1.2544% | 4,803 |
| Loan and lease loss provision to assets | -0.0694% | 4,561 |
| Net operating income to assets | 0.5368% | 4,146 |
| Return on assets (ROA) | 0.5368% | 4,194 |
| Pretax return on assets | 0.6940% | 4,078 |
| Return on Equity (ROE) | 5.4635% | 4,043 |
| Retained earnings to average equity (ytd only) | 5.4635% | 3,010 |
| Net charge-offs to loans | -0.0369% | 4,239 |
| Credit loss provision to net charge-offs | 262.5896% | 949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3965% | 2,097 |
| Assets per employee ($millions) | 14.3930% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5242% | 4,724 |
| Loan loss allowance to noncurrent loans | 135.0717% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.3459% | 2,209 |
| Noncurrent loans to loans | 0.3881% | 2,512 |
| Net loans and leases to total assets | 88.6636% | 29 |
| Net loans and leases to deposits | 135.5436% | 27 |
| Net loans and leases to core deposits | 156.4141% | 58 |
| Total domestic deposits to total assets | 65.4133% | 4,827 |
| Equity capital to assets | 10.1886% | 2,683 |
| Core capital (leverage) ratio | 10.7952% | 1,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6906% | 736 |
| Memoranda: | ||
| Average total assets | $14,405,393,667 | 126 |
| Average earning assets | $13,772,809,000 | 119 |
| Average equity | $1,415,421,333 | 137 |
| Average total loans | $12,856,183,333 | 95 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8250% | 4,349 |
| Cost of funding earning assets | 1.1527% | 69 |
| Net interest margin | 1.6722% | 4,843 |
| Noninterest income to average assets | 0.3750% | 3,224 |
| Noninterest expense to average assets | 1.2639% | 4,838 |
| Loan and lease loss provision to assets | -0.1104% | 4,729 |
| Net operating income to assets | 0.6256% | 3,876 |
| Return on assets (ROA) | 0.6256% | 3,946 |
| Pretax return on assets | 0.8211% | 3,771 |
| Return on Equity (ROE) | 6.4849% | 3,735 |
| Retained earnings to average equity (ytd only) | 6.4849% | 2,735 |
| Net charge-offs to loans | -0.0420% | 4,329 |
| Credit loss provision to net charge-offs | 286.8382% | 778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6566% | 2,509 |
| Assets per employee ($millions) | 14.8325% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5288% | 4,755 |
| Loan loss allowance to noncurrent loans | 128.8200% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.3640% | 2,342 |
| Noncurrent loans to loans | 0.4105% | 2,633 |
| Net loans and leases to total assets | 88.2203% | 42 |
| Net loans and leases to deposits | 135.7261% | 34 |
| Net loans and leases to core deposits | 157.0708% | 67 |
| Total domestic deposits to total assets | 64.9988% | 4,850 |
| Equity capital to assets | 9.8884% | 2,808 |
| Core capital (leverage) ratio | 10.6484% | 1,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3308% | 751 |
| Memoranda: | ||
| Average total assets | $14,497,951,500 | 125 |
| Average earning assets | $13,868,653,000 | 120 |
| Average equity | $1,398,705,000 | 138 |
| Average total loans | $12,946,952,000 | 97 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0582% | 4,597 |
| Cost of funding earning assets | 1.4354% | 109 |
| Net interest margin | 1.6227% | 4,906 |
| Noninterest income to average assets | 0.3719% | 3,258 |
| Noninterest expense to average assets | 1.2331% | 4,890 |
| Loan and lease loss provision to assets | 0.0271% | 4,063 |
| Net operating income to assets | 0.5372% | 3,950 |
| Return on assets (ROA) | 0.5372% | 4,042 |
| Pretax return on assets | 0.6721% | 3,939 |
| Return on Equity (ROE) | 5.6567% | 3,691 |
| Retained earnings to average equity (ytd only) | 1.7302% | 3,931 |
| Net charge-offs to loans | -0.0367% | 4,601 |
| Credit loss provision to net charge-offs | -81.5661% | 3,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4619% | 2,902 |
| Assets per employee ($millions) | 14.6960% | 191 |
| Cash dividends to net income (ytd only)* | 69.4129% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5373% | 4,765 |
| Loan loss allowance to noncurrent loans | 138.3852% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.3498% | 2,589 |
| Noncurrent loans to loans | 0.3883% | 2,816 |
| Net loans and leases to total assets | 89.4272% | 35 |
| Net loans and leases to deposits | 138.5878% | 28 |
| Net loans and leases to core deposits | 159.7327% | 71 |
| Total domestic deposits to total assets | 64.5274% | 4,873 |
| Equity capital to assets | 9.4085% | 3,696 |
| Core capital (leverage) ratio | 10.3749% | 2,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5942% | 823 |
| Memoranda: | ||
| Average total assets | $14,751,116,000 | 118 |
| Average earning assets | $14,185,013,200 | 112 |
| Average equity | $1,400,747,600 | 137 |
| Average total loans | $13,375,189,400 | 92 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1136% | 4,657 |
| Cost of funding earning assets | 1.4950% | 123 |
| Net interest margin | 1.6186% | 4,956 |
| Noninterest income to average assets | 0.3207% | 3,562 |
| Noninterest expense to average assets | 1.2057% | 4,940 |
| Loan and lease loss provision to assets | 0.0540% | 3,674 |
| Net operating income to assets | 0.4970% | 4,046 |
| Return on assets (ROA) | 0.4970% | 4,129 |
| Pretax return on assets | 0.6191% | 4,072 |
| Return on Equity (ROE) | 5.2225% | 3,819 |
| Retained earnings to average equity (ytd only) | 5.2225% | 2,461 |
| Net charge-offs to loans | -0.0361% | 4,591 |
| Credit loss provision to net charge-offs | -164.6091% | 3,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8104% | 2,766 |
| Assets per employee ($millions) | 14.6581% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3559% | 4,907 |
| Loan loss allowance to noncurrent loans | 87.9481% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 2,681 |
| Noncurrent loans to loans | 0.4047% | 2,843 |
| Net loans and leases to total assets | 89.9123% | 42 |
| Net loans and leases to deposits | 139.9160% | 38 |
| Net loans and leases to core deposits | 161.9132% | 75 |
| Total domestic deposits to total assets | 64.2616% | 4,885 |
| Equity capital to assets | 9.7322% | 3,491 |
| Core capital (leverage) ratio | 10.3944% | 2,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9561% | 789 |
| Memoranda: | ||
| Average total assets | $14,801,635,000 | 116 |
| Average earning assets | $14,249,007,250 | 107 |
| Average equity | $1,408,724,500 | 136 |
| Average total loans | $13,448,715,250 | 91 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1943% | 4,723 |
| Cost of funding earning assets | 1.4468% | 192 |
| Net interest margin | 1.7475% | 4,993 |
| Noninterest income to average assets | 0.2815% | 3,782 |
| Noninterest expense to average assets | 1.1828% | 4,977 |
| Loan and lease loss provision to assets | 0.0807% | 3,274 |
| Net operating income to assets | 0.5659% | 3,842 |
| Return on assets (ROA) | 0.5659% | 3,924 |
| Pretax return on assets | 0.7002% | 3,868 |
| Return on Equity (ROE) | 5.9904% | 3,511 |
| Retained earnings to average equity (ytd only) | 5.9904% | 2,085 |
| Net charge-offs to loans | -0.0336% | 4,578 |
| Credit loss provision to net charge-offs | -264.0845% | 3,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8826% | 3,422 |
| Assets per employee ($millions) | 14.6847% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3382% | 4,941 |
| Loan loss allowance to noncurrent loans | 84.4732% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 0.3735% | 2,806 |
| Noncurrent loans to loans | 0.4004% | 2,969 |
| Net loans and leases to total assets | 90.6171% | 22 |
| Net loans and leases to deposits | 143.3487% | 29 |
| Net loans and leases to core deposits | 165.7914% | 67 |
| Total domestic deposits to total assets | 63.2144% | 4,930 |
| Equity capital to assets | 9.4002% | 3,744 |
| Core capital (leverage) ratio | 10.2484% | 2,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2893% | 869 |
| Memoranda: | ||
| Average total assets | $14,864,123,667 | 114 |
| Average earning assets | $14,309,788,333 | 107 |
| Average equity | $1,404,207,000 | 136 |
| Average total loans | $13,535,997,000 | 91 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3084% | 4,804 |
| Cost of funding earning assets | 1.5558% | 219 |
| Net interest margin | 1.7527% | 5,054 |
| Noninterest income to average assets | 0.2003% | 4,353 |
| Noninterest expense to average assets | 1.2378% | 5,020 |
| Loan and lease loss provision to assets | 0.1612% | 1,795 |
| Net operating income to assets | 0.4127% | 4,106 |
| Return on assets (ROA) | 0.4127% | 4,144 |
| Pretax return on assets | 0.4901% | 4,142 |
| Return on Equity (ROE) | 4.3577% | 3,854 |
| Retained earnings to average equity (ytd only) | 4.3577% | 2,550 |
| Net charge-offs to loans | -0.0323% | 4,492 |
| Credit loss provision to net charge-offs | -547.9452% | 3,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1591% | 3,067 |
| Assets per employee ($millions) | 14.8520% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3259% | 4,980 |
| Loan loss allowance to noncurrent loans | 76.7344% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 0.4042% | 2,836 |
| Noncurrent loans to loans | 0.4247% | 2,970 |
| Net loans and leases to total assets | 90.5984% | 25 |
| Net loans and leases to deposits | 147.4086% | 11 |
| Net loans and leases to core deposits | 169.5470% | 67 |
| Total domestic deposits to total assets | 61.4607% | 5,015 |
| Equity capital to assets | 9.2019% | 4,463 |
| Core capital (leverage) ratio | 10.1069% | 3,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6445% | 1,040 |
| Memoranda: | ||
| Average total assets | $14,887,769,000 | 112 |
| Average earning assets | $14,346,232,500 | 107 |
| Average equity | $1,409,907,000 | 136 |
| Average total loans | $13,567,925,000 | 88 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4679% | 4,876 |
| Cost of funding earning assets | 1.6458% | 246 |
| Net interest margin | 1.8221% | 5,108 |
| Noninterest income to average assets | 0.1179% | 4,866 |
| Noninterest expense to average assets | 1.2473% | 5,081 |
| Loan and lease loss provision to assets | -0.0764% | 5,045 |
| Net operating income to assets | 0.5467% | 4,298 |
| Return on assets (ROA) | 0.5467% | 4,357 |
| Pretax return on assets | 0.7063% | 4,200 |
| Return on Equity (ROE) | 5.4063% | 4,101 |
| Retained earnings to average equity (ytd only) | 1.4920% | 4,210 |
| Net charge-offs to loans | -0.0483% | 4,814 |
| Credit loss provision to net charge-offs | 173.1193% | 1,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1524% | 2,747 |
| Assets per employee ($millions) | 13.7070% | 157 |
| Cash dividends to net income (ytd only)* | 72.4021% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2759% | 5,055 |
| Loan loss allowance to noncurrent loans | 61.8359% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 0.4268% | 2,684 |
| Noncurrent loans to loans | 0.4462% | 2,842 |
| Net loans and leases to total assets | 91.1259% | 27 |
| Net loans and leases to deposits | 147.5485% | 14 |
| Net loans and leases to core deposits | 169.6793% | 65 |
| Total domestic deposits to total assets | 61.7600% | 5,073 |
| Equity capital to assets | 9.7422% | 4,160 |
| Core capital (leverage) ratio | 10.1922% | 3,308 |
| Tier 1 risk-based capital ratio | 18.3071% | 1,688 |
| Total risk-based capital ratio | 18.7670% | 1,837 |
| Memoranda: | ||
| Average total assets | $14,399,723,400 | 107 |
| Average earning assets | $13,903,317,200 | 103 |
| Average equity | $1,456,199,800 | 132 |
| Average total loans | $13,142,393,200 | 83 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4957% | 4,963 |
| Cost of funding earning assets | 1.6566% | 240 |
| Net interest margin | 1.8390% | 5,195 |
| Noninterest income to average assets | 0.1032% | 4,978 |
| Noninterest expense to average assets | 1.2594% | 5,160 |
| Loan and lease loss provision to assets | -0.0746% | 5,144 |
| Net operating income to assets | 0.5359% | 4,437 |
| Return on assets (ROA) | 0.5359% | 4,493 |
| Pretax return on assets | 0.6938% | 4,357 |
| Return on Equity (ROE) | 5.2498% | 4,259 |
| Retained earnings to average equity (ytd only) | 5.2498% | 2,754 |
| Net charge-offs to loans | -0.0508% | 4,839 |
| Credit loss provision to net charge-offs | 160.8040% | 1,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7717% | 2,625 |
| Assets per employee ($millions) | 13.5468% | 154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2939% | 5,117 |
| Loan loss allowance to noncurrent loans | 54.6032% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 0.5066% | 2,497 |
| Noncurrent loans to loans | 0.5383% | 2,674 |
| Net loans and leases to total assets | 91.0614% | 26 |
| Net loans and leases to deposits | 148.1909% | 16 |
| Net loans and leases to core deposits | 170.0509% | 70 |
| Total domestic deposits to total assets | 61.4487% | 5,152 |
| Equity capital to assets | 10.0394% | 3,976 |
| Core capital (leverage) ratio | 10.5418% | 3,069 |
| Tier 1 risk-based capital ratio | 19.0744% | 1,550 |
| Total risk-based capital ratio | 19.5631% | 1,700 |
| Memoranda: | ||
| Average total assets | $14,302,193,000 | 108 |
| Average earning assets | $13,807,581,500 | 104 |
| Average equity | $1,460,036,500 | 131 |
| Average total loans | $13,049,323,500 | 85 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4913% | 5,013 |
| Cost of funding earning assets | 1.6284% | 244 |
| Net interest margin | 1.8628% | 5,254 |
| Noninterest income to average assets | 0.0989% | 5,042 |
| Noninterest expense to average assets | 1.3052% | 5,202 |
| Loan and lease loss provision to assets | -0.0843% | 5,201 |
| Net operating income to assets | 0.5214% | 4,478 |
| Return on assets (ROA) | 0.5214% | 4,510 |
| Pretax return on assets | 0.6766% | 4,390 |
| Return on Equity (ROE) | 5.0794% | 4,328 |
| Retained earnings to average equity (ytd only) | 5.0794% | 2,730 |
| Net charge-offs to loans | -0.0520% | 4,833 |
| Credit loss provision to net charge-offs | 177.7778% | 1,327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5663% | 2,437 |
| Assets per employee ($millions) | 13.6532% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3008% | 5,172 |
| Loan loss allowance to noncurrent loans | 53.2437% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 0.5298% | 2,435 |
| Noncurrent loans to loans | 0.5649% | 2,568 |
| Net loans and leases to total assets | 90.8987% | 38 |
| Net loans and leases to deposits | 148.1814% | 18 |
| Net loans and leases to core deposits | 170.1908% | 70 |
| Total domestic deposits to total assets | 61.3428% | 5,200 |
| Equity capital to assets | 10.1534% | 3,834 |
| Core capital (leverage) ratio | 10.5448% | 3,041 |
| Tier 1 risk-based capital ratio | 19.0493% | 1,544 |
| Total risk-based capital ratio | 19.5498% | 1,687 |
| Memoranda: | ||
| Average total assets | $14,237,901,330 | 109 |
| Average earning assets | $13,747,250,000 | 105 |
| Average equity | $1,461,641,670 | 133 |
| Average total loans | $12,986,323,330 | 86 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4848% | 5,057 |
| Cost of funding earning assets | 1.5933% | 233 |
| Net interest margin | 1.8914% | 5,322 |
| Noninterest income to average assets | 0.1045% | 5,061 |
| Noninterest expense to average assets | 1.3072% | 5,256 |
| Loan and lease loss provision to assets | -0.1128% | 5,297 |
| Net operating income to assets | 0.5594% | 4,363 |
| Return on assets (ROA) | 0.5594% | 4,392 |
| Pretax return on assets | 0.7369% | 4,201 |
| Return on Equity (ROE) | 5.4191% | 4,212 |
| Retained earnings to average equity (ytd only) | 5.4191% | 2,724 |
| Net charge-offs to loans | -0.0726% | 4,946 |
| Credit loss provision to net charge-offs | 170.3578% | 1,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4481% | 2,721 |
| Assets per employee ($millions) | 13.7596% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3117% | 5,238 |
| Loan loss allowance to noncurrent loans | 52.1360% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 0.5657% | 2,374 |
| Noncurrent loans to loans | 0.5978% | 2,547 |
| Net loans and leases to total assets | 90.9234% | 36 |
| Net loans and leases to deposits | 145.5581% | 17 |
| Net loans and leases to core deposits | 168.4856% | 68 |
| Total domestic deposits to total assets | 62.4654% | 5,257 |
| Equity capital to assets | 10.3596% | 3,464 |
| Core capital (leverage) ratio | 10.4546% | 3,099 |
| Tier 1 risk-based capital ratio | 19.1861% | 1,505 |
| Total risk-based capital ratio | 19.7096% | 1,619 |
| Memoranda: | ||
| Average total assets | $14,188,907,000 | 110 |
| Average earning assets | $13,704,443,000 | 105 |
| Average equity | $1,464,674,000 | 132 |
| Average total loans | $12,944,262,000 | 87 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3390% | 5,053 |
| Cost of funding earning assets | 1.3343% | 189 |
| Net interest margin | 2.0048% | 5,335 |
| Noninterest income to average assets | 0.1070% | 5,131 |
| Noninterest expense to average assets | 1.2902% | 5,302 |
| Loan and lease loss provision to assets | -0.0714% | 5,231 |
| Net operating income to assets | 0.6078% | 4,392 |
| Return on assets (ROA) | 0.6078% | 4,402 |
| Pretax return on assets | 0.8265% | 4,102 |
| Return on Equity (ROE) | 5.7013% | 4,267 |
| Retained earnings to average equity (ytd only) | 0.0048% | 4,981 |
| Net charge-offs to loans | -0.0470% | 4,956 |
| Credit loss provision to net charge-offs | 166.4170% | 1,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8298% | 3,376 |
| Assets per employee ($millions) | 13.6459% | 131 |
| Cash dividends to net income (ytd only)* | 99.9154% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3235% | 5,269 |
| Loan loss allowance to noncurrent loans | 54.4855% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 0.5622% | 2,362 |
| Noncurrent loans to loans | 0.5938% | 2,507 |
| Net loans and leases to total assets | 90.9531% | 44 |
| Net loans and leases to deposits | 148.0483% | 15 |
| Net loans and leases to core deposits | 170.9777% | 66 |
| Total domestic deposits to total assets | 61.4348% | 5,306 |
| Equity capital to assets | 10.2858% | 3,388 |
| Core capital (leverage) ratio | 10.3197% | 3,233 |
| Tier 1 risk-based capital ratio | 19.0152% | 1,515 |
| Total risk-based capital ratio | 19.5637% | 1,616 |
| Memoranda: | ||
| Average total assets | $13,996,473,400 | 107 |
| Average earning assets | $13,532,307,600 | 102 |
| Average equity | $1,492,142,200 | 124 |
| Average total loans | $12,787,145,200 | 86 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3067% | 5,119 |
| Cost of funding earning assets | 1.2728% | 177 |
| Net interest margin | 2.0340% | 5,405 |
| Noninterest income to average assets | 0.1084% | 5,181 |
| Noninterest expense to average assets | 1.2982% | 5,369 |
| Loan and lease loss provision to assets | -0.0765% | 5,327 |
| Net operating income to assets | 0.6247% | 4,436 |
| Return on assets (ROA) | 0.6247% | 4,450 |
| Pretax return on assets | 0.8536% | 4,159 |
| Return on Equity (ROE) | 5.8078% | 4,318 |
| Retained earnings to average equity (ytd only) | 5.8078% | 2,753 |
| Net charge-offs to loans | -0.0470% | 4,912 |
| Credit loss provision to net charge-offs | 178.2134% | 1,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3010% | 3,464 |
| Assets per employee ($millions) | 13.7567% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3285% | 5,338 |
| Loan loss allowance to noncurrent loans | 54.5555% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 0.5712% | 2,475 |
| Noncurrent loans to loans | 0.6021% | 2,573 |
| Net loans and leases to total assets | 91.2862% | 42 |
| Net loans and leases to deposits | 149.1757% | 14 |
| Net loans and leases to core deposits | 173.7161% | 60 |
| Total domestic deposits to total assets | 61.1938% | 5,382 |
| Equity capital to assets | 10.9604% | 2,696 |
| Core capital (leverage) ratio | 10.8735% | 2,699 |
| Tier 1 risk-based capital ratio | 19.9110% | 1,354 |
| Total risk-based capital ratio | 20.4679% | 1,455 |
| Memoranda: | ||
| Average total assets | $13,944,234,250 | 107 |
| Average earning assets | $13,484,481,500 | 102 |
| Average equity | $1,499,892,750 | 121 |
| Average total loans | $12,743,376,750 | 86 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2782% | 5,158 |
| Cost of funding earning assets | 1.2188% | 170 |
| Net interest margin | 2.0594% | 5,465 |
| Noninterest income to average assets | 0.1231% | 5,181 |
| Noninterest expense to average assets | 1.3545% | 5,415 |
| Loan and lease loss provision to assets | -0.0864% | 5,411 |
| Net operating income to assets | 0.6232% | 4,431 |
| Return on assets (ROA) | 0.6232% | 4,432 |
| Pretax return on assets | 0.8463% | 4,120 |
| Return on Equity (ROE) | 5.8314% | 4,295 |
| Retained earnings to average equity (ytd only) | 5.8314% | 2,647 |
| Net charge-offs to loans | -0.0480% | 4,910 |
| Credit loss provision to net charge-offs | 197.2387% | 1,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8042% | 3,341 |
| Assets per employee ($millions) | 13.3656% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3379% | 5,401 |
| Loan loss allowance to noncurrent loans | 60.2383% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 0.5361% | 2,624 |
| Noncurrent loans to loans | 0.5610% | 2,737 |
| Net loans and leases to total assets | 91.1718% | 48 |
| Net loans and leases to deposits | 149.1426% | 10 |
| Net loans and leases to core deposits | 172.6265% | 56 |
| Total domestic deposits to total assets | 61.1306% | 5,444 |
| Equity capital to assets | 10.9141% | 2,720 |
| Core capital (leverage) ratio | 10.8017% | 2,698 |
| Tier 1 risk-based capital ratio | 19.8716% | 1,347 |
| Total risk-based capital ratio | 20.4439% | 1,459 |
| Memoranda: | ||
| Average total assets | $13,892,095,670 | 107 |
| Average earning assets | $13,432,744,670 | 102 |
| Average equity | $1,484,693,330 | 117 |
| Average total loans | $12,686,378,670 | 86 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2713% | 5,169 |
| Cost of funding earning assets | 1.1827% | 153 |
| Net interest margin | 2.0886% | 5,526 |
| Noninterest income to average assets | 0.0818% | 5,392 |
| Noninterest expense to average assets | 1.3306% | 5,485 |
| Loan and lease loss provision to assets | -0.1152% | 5,514 |
| Net operating income to assets | 0.6615% | 4,238 |
| Return on assets (ROA) | 0.6615% | 4,246 |
| Pretax return on assets | 0.8862% | 3,891 |
| Return on Equity (ROE) | 6.2557% | 4,076 |
| Retained earnings to average equity (ytd only) | 6.2557% | 2,605 |
| Net charge-offs to loans | -0.0372% | 4,835 |
| Credit loss provision to net charge-offs | 339.8471% | 754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0532% | 3,625 |
| Assets per employee ($millions) | 13.7022% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3387% | 5,469 |
| Loan loss allowance to noncurrent loans | 55.0889% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 0.5884% | 2,560 |
| Noncurrent loans to loans | 0.6148% | 2,700 |
| Net loans and leases to total assets | 91.1067% | 40 |
| Net loans and leases to deposits | 149.6668% | 12 |
| Net loans and leases to core deposits | 172.9441% | 61 |
| Total domestic deposits to total assets | 60.8730% | 5,514 |
| Equity capital to assets | 10.7005% | 2,869 |
| Core capital (leverage) ratio | 10.6342% | 2,814 |
| Tier 1 risk-based capital ratio | 19.6514% | 1,406 |
| Total risk-based capital ratio | 20.2279% | 1,520 |
| Memoranda: | ||
| Average total assets | $13,888,021,500 | 107 |
| Average earning assets | $13,430,706,500 | 101 |
| Average equity | $1,468,496,000 | 119 |
| Average total loans | $12,671,533,000 | 87 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1890% | 5,201 |
| Cost of funding earning assets | 1.0792% | 145 |
| Net interest margin | 2.1098% | 5,555 |
| Noninterest income to average assets | 0.1056% | 5,391 |
| Noninterest expense to average assets | 1.2624% | 5,569 |
| Loan and lease loss provision to assets | -0.1481% | 5,533 |
| Net operating income to assets | 0.6623% | 3,770 |
| Return on assets (ROA) | 0.6623% | 3,810 |
| Pretax return on assets | 1.0297% | 3,458 |
| Return on Equity (ROE) | 6.1272% | 3,706 |
| Retained earnings to average equity (ytd only) | 0.3038% | 4,906 |
| Net charge-offs to loans | -0.0445% | 5,155 |
| Credit loss provision to net charge-offs | 364.8304% | 811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6588% | 4,451 |
| Assets per employee ($millions) | 13.4904% | 132 |
| Cash dividends to net income (ytd only)* | 95.0411% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3640% | 5,515 |
| Loan loss allowance to noncurrent loans | 58.4286% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 0.5983% | 2,560 |
| Noncurrent loans to loans | 0.6230% | 2,666 |
| Net loans and leases to total assets | 90.7328% | 57 |
| Net loans and leases to deposits | 149.9316% | 12 |
| Net loans and leases to core deposits | 171.9625% | 60 |
| Total domestic deposits to total assets | 60.5161% | 5,580 |
| Equity capital to assets | 10.4465% | 3,219 |
| Core capital (leverage) ratio | 10.5477% | 2,787 |
| Tier 1 risk-based capital ratio | 19.5458% | 1,406 |
| Total risk-based capital ratio | 20.1674% | 1,486 |
| Memoranda: | ||
| Average total assets | $13,504,553,400 | 105 |
| Average earning assets | $13,047,203,400 | 100 |
| Average equity | $1,459,637,600 | 111 |
| Average total loans | $12,317,799,800 | 83 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1827% | 5,251 |
| Cost of funding earning assets | 1.0565% | 147 |
| Net interest margin | 2.1261% | 5,616 |
| Noninterest income to average assets | 0.1065% | 5,456 |
| Noninterest expense to average assets | 1.2721% | 5,630 |
| Loan and lease loss provision to assets | -0.1689% | 5,640 |
| Net operating income to assets | 0.6821% | 4,066 |
| Return on assets (ROA) | 0.6821% | 4,126 |
| Pretax return on assets | 1.0570% | 3,466 |
| Return on Equity (ROE) | 6.2571% | 4,008 |
| Retained earnings to average equity (ytd only) | 6.2571% | 2,085 |
| Net charge-offs to loans | -0.0599% | 5,219 |
| Credit loss provision to net charge-offs | 309.0347% | 962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6213% | 4,415 |
| Assets per employee ($millions) | 13.4802% | 122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3926% | 5,567 |
| Loan loss allowance to noncurrent loans | 61.8882% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 2,660 |
| Noncurrent loans to loans | 0.6343% | 2,805 |
| Net loans and leases to total assets | 90.9501% | 54 |
| Net loans and leases to deposits | 149.7222% | 11 |
| Net loans and leases to core deposits | 170.4018% | 66 |
| Total domestic deposits to total assets | 60.7459% | 5,652 |
| Equity capital to assets | 11.0127% | 2,851 |
| Core capital (leverage) ratio | 11.1586% | 2,317 |
| Tier 1 risk-based capital ratio | 20.6944% | 1,248 |
| Total risk-based capital ratio | 21.3667% | 1,311 |
| Memoranda: | ||
| Average total assets | $13,417,043,500 | 105 |
| Average earning assets | $12,959,644,500 | 99 |
| Average equity | $1,462,716,250 | 112 |
| Average total loans | $12,243,102,250 | 82 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1707% | 5,279 |
| Cost of funding earning assets | 1.0237% | 154 |
| Net interest margin | 2.1470% | 5,662 |
| Noninterest income to average assets | 0.1062% | 5,496 |
| Noninterest expense to average assets | 1.2724% | 5,682 |
| Loan and lease loss provision to assets | -0.1500% | 5,684 |
| Net operating income to assets | 0.6851% | 3,914 |
| Return on assets (ROA) | 0.6851% | 3,978 |
| Pretax return on assets | 1.0576% | 3,349 |
| Return on Equity (ROE) | 6.3064% | 3,907 |
| Retained earnings to average equity (ytd only) | 6.3064% | 1,961 |
| Net charge-offs to loans | -0.0737% | 5,317 |
| Credit loss provision to net charge-offs | 223.0649% | 1,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0873% | 4,577 |
| Assets per employee ($millions) | 13.0953% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4458% | 5,570 |
| Loan loss allowance to noncurrent loans | 67.6978% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 0.6425% | 2,630 |
| Noncurrent loans to loans | 0.6586% | 2,772 |
| Net loans and leases to total assets | 90.9374% | 60 |
| Net loans and leases to deposits | 148.4132% | 14 |
| Net loans and leases to core deposits | 167.2901% | 76 |
| Total domestic deposits to total assets | 61.2731% | 5,691 |
| Equity capital to assets | 10.9302% | 2,893 |
| Core capital (leverage) ratio | 11.0823% | 2,330 |
| Tier 1 risk-based capital ratio | 20.5792% | 1,262 |
| Total risk-based capital ratio | 21.3421% | 1,322 |
| Memoranda: | ||
| Average total assets | $13,337,571,330 | 106 |
| Average earning assets | $12,883,146,000 | 100 |
| Average equity | $1,449,011,330 | 112 |
| Average total loans | $12,167,934,670 | 82 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1184% | 5,347 |
| Cost of funding earning assets | 0.9625% | 198 |
| Net interest margin | 2.1559% | 5,722 |
| Noninterest income to average assets | 0.1006% | 5,590 |
| Noninterest expense to average assets | 1.2807% | 5,745 |
| Loan and lease loss provision to assets | -0.1810% | 5,788 |
| Net operating income to assets | 0.7027% | 3,691 |
| Return on assets (ROA) | 0.7027% | 3,731 |
| Pretax return on assets | 1.0834% | 3,050 |
| Return on Equity (ROE) | 6.4880% | 3,674 |
| Retained earnings to average equity (ytd only) | 6.4880% | 2,088 |
| Net charge-offs to loans | -0.0792% | 5,370 |
| Credit loss provision to net charge-offs | 250.6266% | 879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3750% | 4,675 |
| Assets per employee ($millions) | 13.3157% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4648% | 5,627 |
| Loan loss allowance to noncurrent loans | 67.9713% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 0.6675% | 2,629 |
| Noncurrent loans to loans | 0.6839% | 2,797 |
| Net loans and leases to total assets | 91.0400% | 36 |
| Net loans and leases to deposits | 146.4105% | 11 |
| Net loans and leases to core deposits | 164.6746% | 71 |
| Total domestic deposits to total assets | 62.1814% | 5,756 |
| Equity capital to assets | 10.8455% | 2,803 |
| Core capital (leverage) ratio | 11.1906% | 2,194 |
| Tier 1 risk-based capital ratio | 20.3630% | 1,324 |
| Total risk-based capital ratio | 21.1575% | 1,380 |
| Memoranda: | ||
| Average total assets | $13,262,284,000 | 104 |
| Average earning assets | $12,810,737,500 | 100 |
| Average equity | $1,436,377,500 | 110 |
| Average total loans | $12,091,549,500 | 81 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1528% | 5,355 |
| Cost of funding earning assets | 0.9798% | 192 |
| Net interest margin | 2.1730% | 5,763 |
| Noninterest income to average assets | 0.1541% | 5,440 |
| Noninterest expense to average assets | 1.3115% | 5,806 |
| Loan and lease loss provision to assets | -0.0552% | 5,601 |
| Net operating income to assets | 0.6471% | 4,012 |
| Return on assets (ROA) | 0.6471% | 4,122 |
| Pretax return on assets | 0.9950% | 3,492 |
| Return on Equity (ROE) | 5.7092% | 4,116 |
| Retained earnings to average equity (ytd only) | 0.0735% | 5,282 |
| Net charge-offs to loans | 0.0155% | 3,774 |
| Credit loss provision to net charge-offs | -390.1895% | 5,124 |
| Earnings coverage of net charge-offs (x) | 66.4281% | 830 |
| Efficiency ratio | 57.9739% | 4,859 |
| Assets per employee ($millions) | 12.9485% | 133 |
| Cash dividends to net income (ytd only)* | 98.7119% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5056% | 5,652 |
| Loan loss allowance to noncurrent loans | 69.1875% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 0.7071% | 2,608 |
| Noncurrent loans to loans | 0.7308% | 2,701 |
| Net loans and leases to total assets | 90.4155% | 63 |
| Net loans and leases to deposits | 141.2879% | 20 |
| Net loans and leases to core deposits | 158.6880% | 86 |
| Total domestic deposits to total assets | 63.9938% | 5,791 |
| Equity capital to assets | 10.8154% | 2,799 |
| Core capital (leverage) ratio | 11.0816% | 2,272 |
| Tier 1 risk-based capital ratio | 20.3153% | 1,321 |
| Total risk-based capital ratio | 21.1733% | 1,358 |
| Memoranda: | ||
| Average total assets | $12,680,250,800 | 103 |
| Average earning assets | $12,237,939,800 | 98 |
| Average equity | $1,437,279,800 | 107 |
| Average total loans | $11,574,575,200 | 82 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1781% | 5,395 |
| Cost of funding earning assets | 0.9883% | 181 |
| Net interest margin | 2.1898% | 5,821 |
| Noninterest income to average assets | 0.1661% | 5,434 |
| Noninterest expense to average assets | 1.3213% | 5,855 |
| Loan and lease loss provision to assets | -0.0743% | 5,759 |
| Net operating income to assets | 0.6686% | 4,005 |
| Return on assets (ROA) | 0.6686% | 4,128 |
| Pretax return on assets | 1.0322% | 3,507 |
| Return on Equity (ROE) | 5.8289% | 4,156 |
| Retained earnings to average equity (ytd only) | 5.8289% | 2,283 |
| Net charge-offs to loans | 0.0052% | 3,725 |
| Credit loss provision to net charge-offs | -1,569.5067% | 5,287 |
| Earnings coverage of net charge-offs (x) | 202.3526% | 370 |
| Efficiency ratio | 57.6958% | 4,855 |
| Assets per employee ($millions) | 12.7420% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5248% | 5,710 |
| Loan loss allowance to noncurrent loans | 68.6909% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 0.7519% | 2,677 |
| Noncurrent loans to loans | 0.7640% | 2,762 |
| Net loans and leases to total assets | 91.0182% | 50 |
| Net loans and leases to deposits | 138.1228% | 24 |
| Net loans and leases to core deposits | 155.2206% | 105 |
| Total domestic deposits to total assets | 65.8965% | 5,820 |
| Equity capital to assets | 11.4627% | 2,544 |
| Core capital (leverage) ratio | 11.7305% | 1,857 |
| Tier 1 risk-based capital ratio | 21.3575% | 1,212 |
| Total risk-based capital ratio | 22.2435% | 1,255 |
| Memoranda: | ||
| Average total assets | $12,561,403,250 | 103 |
| Average earning assets | $12,121,385,500 | 97 |
| Average equity | $1,440,891,750 | 106 |
| Average total loans | $11,479,423,750 | 81 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1947% | 5,439 |
| Cost of funding earning assets | 0.9888% | 181 |
| Net interest margin | 2.2059% | 5,901 |
| Noninterest income to average assets | 0.1321% | 5,655 |
| Noninterest expense to average assets | 1.3256% | 5,933 |
| Loan and lease loss provision to assets | -0.0642% | 5,840 |
| Net operating income to assets | 0.6464% | 4,055 |
| Return on assets (ROA) | 0.6464% | 4,200 |
| Pretax return on assets | 0.9985% | 3,591 |
| Return on Equity (ROE) | 5.6340% | 4,233 |
| Retained earnings to average equity (ytd only) | 5.6340% | 2,344 |
| Net charge-offs to loans | 0.0083% | 3,412 |
| Credit loss provision to net charge-offs | -842.1053% | 5,059 |
| Earnings coverage of net charge-offs (x) | 122.5263% | 481 |
| Efficiency ratio | 58.3970% | 4,849 |
| Assets per employee ($millions) | 12.3176% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5629% | 5,731 |
| Loan loss allowance to noncurrent loans | 69.9674% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 0.8083% | 2,572 |
| Noncurrent loans to loans | 0.8045% | 2,739 |
| Net loans and leases to total assets | 90.8829% | 42 |
| Net loans and leases to deposits | 135.3066% | 24 |
| Net loans and leases to core deposits | 152.1489% | 111 |
| Total domestic deposits to total assets | 67.1681% | 5,859 |
| Equity capital to assets | 11.5415% | 2,501 |
| Core capital (leverage) ratio | 11.7710% | 1,799 |
| Tier 1 risk-based capital ratio | 21.3161% | 1,222 |
| Total risk-based capital ratio | 22.2588% | 1,255 |
| Memoranda: | ||
| Average total assets | $12,458,739,330 | 104 |
| Average earning assets | $12,017,508,670 | 98 |
| Average equity | $1,429,464,330 | 107 |
| Average total loans | $11,380,803,330 | 82 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2314% | 5,441 |
| Cost of funding earning assets | 0.9969% | 174 |
| Net interest margin | 2.2345% | 5,950 |
| Noninterest income to average assets | 0.1463% | 5,609 |
| Noninterest expense to average assets | 1.3646% | 5,973 |
| Loan and lease loss provision to assets | -0.0323% | 5,928 |
| Net operating income to assets | 0.6294% | 4,062 |
| Return on assets (ROA) | 0.6294% | 4,178 |
| Pretax return on assets | 0.9695% | 3,578 |
| Return on Equity (ROE) | 5.5026% | 4,226 |
| Retained earnings to average equity (ytd only) | 5.5026% | 2,648 |
| Net charge-offs to loans | -0.0023% | 4,134 |
| Credit loss provision to net charge-offs | 1,515.1515% | 267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0371% | 4,868 |
| Assets per employee ($millions) | 12.3450% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6011% | 5,742 |
| Loan loss allowance to noncurrent loans | 68.8655% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 0.8891% | 2,467 |
| Noncurrent loans to loans | 0.8728% | 2,663 |
| Net loans and leases to total assets | 90.8673% | 47 |
| Net loans and leases to deposits | 133.6670% | 24 |
| Net loans and leases to core deposits | 149.7880% | 108 |
| Total domestic deposits to total assets | 67.9804% | 5,926 |
| Equity capital to assets | 11.5076% | 2,433 |
| Core capital (leverage) ratio | 11.6665% | 1,853 |
| Tier 1 risk-based capital ratio | 21.2125% | 1,279 |
| Total risk-based capital ratio | 22.2182% | 1,295 |
| Memoranda: | ||
| Average total assets | $12,393,828,000 | 103 |
| Average earning assets | $11,955,897,500 | 99 |
| Average equity | $1,417,739,500 | 107 |
| Average total loans | $11,318,394,500 | 81 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2421% | 5,449 |
| Cost of funding earning assets | 0.9846% | 190 |
| Net interest margin | 2.2575% | 5,967 |
| Noninterest income to average assets | 0.1131% | 5,836 |
| Noninterest expense to average assets | 1.3919% | 6,035 |
| Loan and lease loss provision to assets | -0.0491% | 5,744 |
| Net operating income to assets | 0.6195% | 4,184 |
| Return on assets (ROA) | 0.6195% | 4,278 |
| Pretax return on assets | 0.9466% | 3,666 |
| Return on Equity (ROE) | 4.9308% | 4,540 |
| Retained earnings to average equity (ytd only) | 1.0201% | 5,108 |
| Net charge-offs to loans | 0.0408% | 3,405 |
| Credit loss provision to net charge-offs | -132.7140% | 5,204 |
| Earnings coverage of net charge-offs (x) | 24.2424% | 1,686 |
| Efficiency ratio | 60.5793% | 4,821 |
| Assets per employee ($millions) | 12.3070% | 139 |
| Cash dividends to net income (ytd only)* | 79.3116% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6143% | 5,776 |
| Loan loss allowance to noncurrent loans | 67.2484% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 0.9490% | 2,300 |
| Noncurrent loans to loans | 0.9134% | 2,513 |
| Net loans and leases to total assets | 90.6679% | 48 |
| Net loans and leases to deposits | 132.1323% | 36 |
| Net loans and leases to core deposits | 147.7498% | 120 |
| Total domestic deposits to total assets | 68.6191% | 5,951 |
| Equity capital to assets | 11.3701% | 2,476 |
| Core capital (leverage) ratio | 11.5324% | 1,937 |
| Tier 1 risk-based capital ratio | 21.0065% | 1,299 |
| Total risk-based capital ratio | 22.0319% | 1,312 |
| Memoranda: | ||
| Average total assets | $12,211,594,200 | 101 |
| Average earning assets | $11,772,378,800 | 97 |
| Average equity | $1,534,267,400 | 98 |
| Average total loans | $11,087,101,800 | 82 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2521% | 5,502 |
| Cost of funding earning assets | 0.9832% | 197 |
| Net interest margin | 2.2689% | 6,050 |
| Noninterest income to average assets | 0.1131% | 5,902 |
| Noninterest expense to average assets | 1.3981% | 6,104 |
| Loan and lease loss provision to assets | -0.0548% | 5,923 |
| Net operating income to assets | 0.6287% | 4,248 |
| Return on assets (ROA) | 0.6287% | 4,354 |
| Pretax return on assets | 0.9567% | 3,792 |
| Return on Equity (ROE) | 4.8862% | 4,673 |
| Retained earnings to average equity (ytd only) | 4.8862% | 2,995 |
| Net charge-offs to loans | 0.0387% | 3,115 |
| Credit loss provision to net charge-offs | -155.8603% | 5,120 |
| Earnings coverage of net charge-offs (x) | 25.6733% | 1,652 |
| Efficiency ratio | 60.5733% | 4,804 |
| Assets per employee ($millions) | 12.4352% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6355% | 5,843 |
| Loan loss allowance to noncurrent loans | 67.0050% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 1.0075% | 2,348 |
| Noncurrent loans to loans | 0.9485% | 2,605 |
| Net loans and leases to total assets | 90.6935% | 48 |
| Net loans and leases to deposits | 132.7335% | 34 |
| Net loans and leases to core deposits | 147.9820% | 117 |
| Total domestic deposits to total assets | 68.3275% | 6,026 |
| Equity capital to assets | 12.9525% | 1,469 |
| Core capital (leverage) ratio | 12.7839% | 1,280 |
| Tier 1 risk-based capital ratio | 21.9463% | 1,202 |
| Total risk-based capital ratio | 22.9240% | 1,214 |
| Memoranda: | ||
| Average total assets | $12,175,433,500 | 102 |
| Average earning assets | $11,735,787,000 | 99 |
| Average equity | $1,566,603,750 | 98 |
| Average total loans | $11,040,781,000 | 83 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2528% | 5,528 |
| Cost of funding earning assets | 0.9847% | 193 |
| Net interest margin | 2.2680% | 6,116 |
| Noninterest income to average assets | 0.1189% | 5,948 |
| Noninterest expense to average assets | 1.4363% | 6,151 |
| Loan and lease loss provision to assets | 0.0165% | 3,794 |
| Net operating income to assets | 0.5594% | 4,524 |
| Return on assets (ROA) | 0.5594% | 4,627 |
| Pretax return on assets | 0.8514% | 4,127 |
| Return on Equity (ROE) | 4.3571% | 4,882 |
| Retained earnings to average equity (ytd only) | 4.3571% | 3,244 |
| Net charge-offs to loans | 0.0704% | 2,385 |
| Credit loss provision to net charge-offs | 25.9202% | 2,964 |
| Earnings coverage of net charge-offs (x) | 13.6353% | 2,114 |
| Efficiency ratio | 62.1275% | 4,662 |
| Assets per employee ($millions) | 12.0824% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6931% | 5,831 |
| Loan loss allowance to noncurrent loans | 66.6147% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 1.1027% | 2,303 |
| Noncurrent loans to loans | 1.0405% | 2,564 |
| Net loans and leases to total assets | 90.1153% | 62 |
| Net loans and leases to deposits | 128.7572% | 44 |
| Net loans and leases to core deposits | 143.5030% | 144 |
| Total domestic deposits to total assets | 69.9886% | 6,037 |
| Equity capital to assets | 12.8888% | 1,453 |
| Core capital (leverage) ratio | 12.5295% | 1,363 |
| Tier 1 risk-based capital ratio | 21.6994% | 1,246 |
| Total risk-based capital ratio | 22.7556% | 1,267 |
| Memoranda: | ||
| Average total assets | $12,122,002,670 | 103 |
| Average earning assets | $11,679,763,670 | 101 |
| Average equity | $1,556,208,000 | 100 |
| Average total loans | $10,967,957,000 | 85 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2697% | 5,516 |
| Cost of funding earning assets | 0.9917% | 192 |
| Net interest margin | 2.2780% | 6,170 |
| Noninterest income to average assets | 0.1063% | 6,051 |
| Noninterest expense to average assets | 1.4473% | 6,208 |
| Loan and lease loss provision to assets | 0.0331% | 3,225 |
| Net operating income to assets | 0.5393% | 4,513 |
| Return on assets (ROA) | 0.5393% | 4,630 |
| Pretax return on assets | 0.8205% | 4,169 |
| Return on Equity (ROE) | 4.2095% | 4,886 |
| Retained earnings to average equity (ytd only) | 4.2095% | 3,481 |
| Net charge-offs to loans | 0.1346% | 1,440 |
| Credit loss provision to net charge-offs | 27.2554% | 2,296 |
| Earnings coverage of net charge-offs (x) | 7.0202% | 2,220 |
| Efficiency ratio | 62.6941% | 4,673 |
| Assets per employee ($millions) | 12.1263% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7035% | 5,902 |
| Loan loss allowance to noncurrent loans | 63.0401% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 1.1781% | 2,281 |
| Noncurrent loans to loans | 1.1160% | 2,542 |
| Net loans and leases to total assets | 89.9107% | 58 |
| Net loans and leases to deposits | 125.9712% | 51 |
| Net loans and leases to core deposits | 139.4837% | 157 |
| Total domestic deposits to total assets | 71.3740% | 6,067 |
| Equity capital to assets | 12.8722% | 1,466 |
| Core capital (leverage) ratio | 12.0894% | 1,583 |
| Tier 1 risk-based capital ratio | 21.4710% | 1,334 |
| Total risk-based capital ratio | 22.5322% | 1,347 |
| Memoranda: | ||
| Average total assets | $12,069,290,000 | 103 |
| Average earning assets | $11,627,546,500 | 101 |
| Average equity | $1,546,326,000 | 99 |
| Average total loans | $10,904,090,000 | 85 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3369% | 5,646 |
| Cost of funding earning assets | 0.9712% | 262 |
| Net interest margin | 2.3657% | 6,241 |
| Noninterest income to average assets | 0.1039% | 6,142 |
| Noninterest expense to average assets | 1.3601% | 6,374 |
| Loan and lease loss provision to assets | 0.1286% | 2,038 |
| Net operating income to assets | 0.5885% | 4,432 |
| Return on assets (ROA) | 0.5900% | 4,503 |
| Pretax return on assets | 0.8967% | 3,920 |
| Return on Equity (ROE) | 4.4453% | 4,918 |
| Retained earnings to average equity (ytd only) | 0.1835% | 5,694 |
| Net charge-offs to loans | 0.1942% | 2,112 |
| Credit loss provision to net charge-offs | 73.0994% | 2,999 |
| Earnings coverage of net charge-offs (x) | 5.8164% | 3,348 |
| Efficiency ratio | 56.8640% | 5,582 |
| Assets per employee ($millions) | 11.8938% | 147 |
| Cash dividends to net income (ytd only)* | 95.8717% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7351% | 5,914 |
| Loan loss allowance to noncurrent loans | 62.8844% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 1.2364% | 2,285 |
| Noncurrent loans to loans | 1.1690% | 2,493 |
| Net loans and leases to total assets | 89.4800% | 77 |
| Net loans and leases to deposits | 123.6289% | 74 |
| Net loans and leases to core deposits | 135.3302% | 199 |
| Total domestic deposits to total assets | 72.3779% | 6,058 |
| Equity capital to assets | 12.7517% | 1,501 |
| Core capital (leverage) ratio | 12.7933% | 1,213 |
| Tier 1 risk-based capital ratio | 23.1142% | 1,072 |
| Total risk-based capital ratio | 24.3121% | 1,055 |
| Memoranda: | ||
| Average total assets | $11,667,506,600 | 103 |
| Average earning assets | $11,240,545,800 | 100 |
| Average equity | $1,548,662,200 | 97 |
| Average total loans | $10,568,519,400 | 85 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3471% | 5,681 |
| Cost of funding earning assets | 0.9557% | 299 |
| Net interest margin | 2.3914% | 6,303 |
| Noninterest income to average assets | 0.1022% | 6,245 |
| Noninterest expense to average assets | 1.3601% | 6,431 |
| Loan and lease loss provision to assets | 0.1497% | 1,667 |
| Net operating income to assets | 0.5908% | 4,477 |
| Return on assets (ROA) | 0.5929% | 4,563 |
| Pretax return on assets | 0.8994% | 3,989 |
| Return on Equity (ROE) | 4.4219% | 4,998 |
| Retained earnings to average equity (ytd only) | 4.4219% | 3,505 |
| Net charge-offs to loans | 0.2149% | 1,751 |
| Credit loss provision to net charge-offs | 76.8322% | 2,657 |
| Earnings coverage of net charge-offs (x) | 5.3668% | 3,277 |
| Efficiency ratio | 56.3189% | 5,630 |
| Assets per employee ($millions) | 11.8401% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7593% | 5,969 |
| Loan loss allowance to noncurrent loans | 60.0294% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 1.3366% | 2,311 |
| Noncurrent loans to loans | 1.2649% | 2,527 |
| Net loans and leases to total assets | 90.3569% | 48 |
| Net loans and leases to deposits | 120.9550% | 85 |
| Net loans and leases to core deposits | 132.0393% | 217 |
| Total domestic deposits to total assets | 74.7029% | 5,950 |
| Equity capital to assets | 13.4201% | 1,223 |
| Core capital (leverage) ratio | 13.4671% | 1,010 |
| Tier 1 risk-based capital ratio | 24.0153% | 988 |
| Total risk-based capital ratio | 25.2488% | 971 |
| Memoranda: | ||
| Average total assets | $11,575,260,500 | 104 |
| Average earning assets | $11,151,496,500 | 101 |
| Average equity | $1,552,114,750 | 98 |
| Average total loans | $10,498,145,750 | 83 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3519% | 5,713 |
| Cost of funding earning assets | 0.9286% | 364 |
| Net interest margin | 2.4233% | 6,338 |
| Noninterest income to average assets | 0.1076% | 6,258 |
| Noninterest expense to average assets | 1.3567% | 6,500 |
| Loan and lease loss provision to assets | 0.1564% | 1,583 |
| Net operating income to assets | 0.6145% | 4,282 |
| Return on assets (ROA) | 0.6145% | 4,380 |
| Pretax return on assets | 0.9279% | 3,772 |
| Return on Equity (ROE) | 4.5844% | 4,874 |
| Retained earnings to average equity (ytd only) | 4.5844% | 3,246 |
| Net charge-offs to loans | 0.2260% | 1,687 |
| Credit loss provision to net charge-offs | 76.4007% | 2,372 |
| Earnings coverage of net charge-offs (x) | 5.2975% | 2,952 |
| Efficiency ratio | 55.3717% | 5,801 |
| Assets per employee ($millions) | 11.5800% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7787% | 6,026 |
| Loan loss allowance to noncurrent loans | 59.0807% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 1.3714% | 2,383 |
| Noncurrent loans to loans | 1.3180% | 2,609 |
| Net loans and leases to total assets | 89.9700% | 52 |
| Net loans and leases to deposits | 119.5084% | 90 |
| Net loans and leases to core deposits | 129.9294% | 225 |
| Total domestic deposits to total assets | 75.2834% | 5,998 |
| Equity capital to assets | 13.3970% | 1,196 |
| Core capital (leverage) ratio | 13.4065% | 1,013 |
| Tier 1 risk-based capital ratio | 23.9005% | 1,000 |
| Total risk-based capital ratio | 25.1506% | 978 |
| Memoranda: | ||
| Average total assets | $11,510,659,670 | 104 |
| Average earning assets | $11,083,351,330 | 101 |
| Average equity | $1,543,014,670 | 99 |
| Average total loans | $10,425,687,000 | 82 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3738% | 5,705 |
| Cost of funding earning assets | 0.9068% | 434 |
| Net interest margin | 2.4670% | 6,356 |
| Noninterest income to average assets | 0.0887% | 6,368 |
| Noninterest expense to average assets | 1.3898% | 6,566 |
| Loan and lease loss provision to assets | 0.1751% | 1,381 |
| Net operating income to assets | 0.5976% | 4,212 |
| Return on assets (ROA) | 0.5976% | 4,290 |
| Pretax return on assets | 0.8990% | 3,697 |
| Return on Equity (ROE) | 4.4568% | 4,815 |
| Retained earnings to average equity (ytd only) | 4.4568% | 3,447 |
| Net charge-offs to loans | 0.2665% | 1,276 |
| Credit loss provision to net charge-offs | 72.5584% | 1,973 |
| Earnings coverage of net charge-offs (x) | 4.4515% | 2,526 |
| Efficiency ratio | 56.2003% | 5,821 |
| Assets per employee ($millions) | 11.5720% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7988% | 6,106 |
| Loan loss allowance to noncurrent loans | 58.4396% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 1.4137% | 2,505 |
| Noncurrent loans to loans | 1.3668% | 2,739 |
| Net loans and leases to total assets | 90.0369% | 45 |
| Net loans and leases to deposits | 121.2260% | 64 |
| Net loans and leases to core deposits | 129.3730% | 192 |
| Total domestic deposits to total assets | 74.2719% | 6,222 |
| Equity capital to assets | 13.4095% | 1,135 |
| Core capital (leverage) ratio | 13.4376% | 989 |
| Tier 1 risk-based capital ratio | 23.8289% | 1,028 |
| Total risk-based capital ratio | 25.0794% | 1,009 |
| Memoranda: | ||
| Average total assets | $11,423,857,000 | 104 |
| Average earning assets | $10,998,956,000 | 101 |
| Average equity | $1,531,853,000 | 96 |
| Average total loans | $10,341,110,500 | 81 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4702% | 5,695 |
| Cost of funding earning assets | 1.0319% | 387 |
| Net interest margin | 2.4384% | 6,418 |
| Noninterest income to average assets | 0.1467% | 6,211 |
| Noninterest expense to average assets | 1.4334% | 6,613 |
| Loan and lease loss provision to assets | 0.2228% | 1,637 |
| Net operating income to assets | 0.5589% | 4,457 |
| Return on assets (ROA) | 0.5589% | 4,582 |
| Pretax return on assets | 0.8350% | 4,017 |
| Return on Equity (ROE) | 4.0337% | 5,096 |
| Retained earnings to average equity (ytd only) | -1.4337% | 6,121 |
| Net charge-offs to loans | 0.4422% | 1,503 |
| Credit loss provision to net charge-offs | 55.6557% | 3,680 |
| Earnings coverage of net charge-offs (x) | 2.6422% | 4,114 |
| Efficiency ratio | 57.1041% | 5,838 |
| Assets per employee ($millions) | 11.3000% | 160 |
| Cash dividends to net income (ytd only)* | 135.5424% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8326% | 6,096 |
| Loan loss allowance to noncurrent loans | 57.6580% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 1.4963% | 2,477 |
| Noncurrent loans to loans | 1.4441% | 2,723 |
| Net loans and leases to total assets | 89.5272% | 50 |
| Net loans and leases to deposits | 119.5648% | 70 |
| Net loans and leases to core deposits | 125.8817% | 240 |
| Total domestic deposits to total assets | 74.8776% | 6,208 |
| Equity capital to assets | 13.4090% | 1,105 |
| Core capital (leverage) ratio | 13.4527% | 972 |
| Tier 1 risk-based capital ratio | 23.8141% | 973 |
| Total risk-based capital ratio | 25.0651% | 960 |
| Memoranda: | ||
| Average total assets | $11,219,805,000 | 103 |
| Average earning assets | $10,788,045,400 | 98 |
| Average equity | $1,554,661,400 | 91 |
| Average total loans | $10,158,427,000 | 79 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4966% | 5,694 |
| Cost of funding earning assets | 1.0593% | 377 |
| Net interest margin | 2.4373% | 6,483 |
| Noninterest income to average assets | 0.1615% | 6,215 |
| Noninterest expense to average assets | 1.4560% | 6,661 |
| Loan and lease loss provision to assets | 0.2264% | 1,599 |
| Net operating income to assets | 0.5501% | 4,587 |
| Return on assets (ROA) | 0.5501% | 4,730 |
| Pretax return on assets | 0.8218% | 4,217 |
| Return on Equity (ROE) | 3.9377% | 5,251 |
| Retained earnings to average equity (ytd only) | 3.9377% | 3,888 |
| Net charge-offs to loans | 0.4165% | 1,544 |
| Credit loss provision to net charge-offs | 60.0051% | 3,297 |
| Earnings coverage of net charge-offs (x) | 2.7780% | 3,909 |
| Efficiency ratio | 57.6338% | 5,734 |
| Assets per employee ($millions) | 11.3572% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9091% | 6,034 |
| Loan loss allowance to noncurrent loans | 59.3776% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 1.5893% | 2,555 |
| Noncurrent loans to loans | 1.5311% | 2,868 |
| Net loans and leases to total assets | 89.7985% | 45 |
| Net loans and leases to deposits | 117.0230% | 88 |
| Net loans and leases to core deposits | 122.1345% | 292 |
| Total domestic deposits to total assets | 76.7358% | 6,081 |
| Equity capital to assets | 14.1494% | 923 |
| Core capital (leverage) ratio | 14.1763% | 827 |
| Tier 1 risk-based capital ratio | 24.9063% | 882 |
| Total risk-based capital ratio | 26.1588% | 871 |
| Memoranda: | ||
| Average total assets | $11,188,461,250 | 103 |
| Average earning assets | $10,753,944,000 | 98 |
| Average equity | $1,563,007,750 | 91 |
| Average total loans | $10,137,457,250 | 76 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5329% | 5,623 |
| Cost of funding earning assets | 1.0863% | 355 |
| Net interest margin | 2.4465% | 6,502 |
| Noninterest income to average assets | 0.1865% | 6,094 |
| Noninterest expense to average assets | 1.4736% | 6,694 |
| Loan and lease loss provision to assets | 0.2685% | 1,379 |
| Net operating income to assets | 0.5317% | 4,658 |
| Return on assets (ROA) | 0.5317% | 4,821 |
| Pretax return on assets | 0.7951% | 4,332 |
| Return on Equity (ROE) | 3.8228% | 5,283 |
| Retained earnings to average equity (ytd only) | 3.8228% | 3,868 |
| Net charge-offs to loans | 0.4678% | 1,409 |
| Credit loss provision to net charge-offs | 63.3526% | 2,957 |
| Earnings coverage of net charge-offs (x) | 2.5096% | 3,688 |
| Efficiency ratio | 57.4908% | 5,798 |
| Assets per employee ($millions) | 10.9887% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9599% | 5,957 |
| Loan loss allowance to noncurrent loans | 60.7325% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 1.6154% | 2,693 |
| Noncurrent loans to loans | 1.5806% | 2,941 |
| Net loans and leases to total assets | 89.7319% | 48 |
| Net loans and leases to deposits | 113.5673% | 102 |
| Net loans and leases to core deposits | 118.2522% | 345 |
| Total domestic deposits to total assets | 79.0121% | 5,800 |
| Equity capital to assets | 14.1441% | 921 |
| Core capital (leverage) ratio | 14.1934% | 774 |
| Tier 1 risk-based capital ratio | 24.7834% | 896 |
| Total risk-based capital ratio | 26.0368% | 883 |
| Memoranda: | ||
| Average total assets | $11,173,857,670 | 102 |
| Average earning assets | $10,735,826,670 | 98 |
| Average equity | $1,554,244,330 | 91 |
| Average total loans | $10,123,626,330 | 75 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5629% | 5,550 |
| Cost of funding earning assets | 1.0985% | 375 |
| Net interest margin | 2.4643% | 6,545 |
| Noninterest income to average assets | 0.1588% | 6,311 |
| Noninterest expense to average assets | 1.4565% | 6,775 |
| Loan and lease loss provision to assets | 0.3568% | 910 |
| Net operating income to assets | 0.4820% | 4,768 |
| Return on assets (ROA) | 0.4820% | 4,924 |
| Pretax return on assets | 0.7127% | 4,518 |
| Return on Equity (ROE) | 3.4944% | 5,344 |
| Retained earnings to average equity (ytd only) | 3.4944% | 4,150 |
| Net charge-offs to loans | 0.5507% | 1,098 |
| Credit loss provision to net charge-offs | 71.5103% | 2,270 |
| Earnings coverage of net charge-offs (x) | 2.1437% | 3,116 |
| Efficiency ratio | 57.0379% | 5,958 |
| Assets per employee ($millions) | 11.1487% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 5,959 |
| Loan loss allowance to noncurrent loans | 59.8361% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 1.7057% | 2,736 |
| Noncurrent loans to loans | 1.6836% | 3,020 |
| Net loans and leases to total assets | 89.7507% | 42 |
| Net loans and leases to deposits | 111.2502% | 113 |
| Net loans and leases to core deposits | 115.7472% | 357 |
| Total domestic deposits to total assets | 80.6746% | 5,576 |
| Equity capital to assets | 14.0246% | 1,018 |
| Core capital (leverage) ratio | 14.0486% | 787 |
| Tier 1 risk-based capital ratio | 22.2645% | 1,284 |
| Total risk-based capital ratio | 23.5169% | 1,256 |
| Memoranda: | ||
| Average total assets | $11,211,510,500 | 103 |
| Average earning assets | $10,769,601,000 | 99 |
| Average equity | $1,546,470,000 | 91 |
| Average total loans | $10,157,707,000 | 74 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7781% | 5,883 |
| Cost of funding earning assets | 1.3734% | 275 |
| Net interest margin | 2.4047% | 6,776 |
| Noninterest income to average assets | 0.1585% | 6,239 |
| Noninterest expense to average assets | 1.3694% | 6,920 |
| Loan and lease loss provision to assets | 0.9287% | 474 |
| Net operating income to assets | 0.1292% | 5,946 |
| Return on assets (ROA) | 0.1292% | 6,094 |
| Pretax return on assets | 0.1698% | 6,036 |
| Return on Equity (ROE) | 0.9576% | 6,142 |
| Retained earnings to average equity (ytd only) | 0.9576% | 5,396 |
| Net charge-offs to loans | 0.9384% | 1,184 |
| Credit loss provision to net charge-offs | 108.6383% | 2,705 |
| Earnings coverage of net charge-offs (x) | 1.2850% | 4,820 |
| Efficiency ratio | 54.8905% | 6,189 |
| Assets per employee ($millions) | 11.2848% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 5,880 |
| Loan loss allowance to noncurrent loans | 57.4354% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 1.7791% | 2,739 |
| Noncurrent loans to loans | 1.7838% | 2,940 |
| Net loans and leases to total assets | 89.6112% | 59 |
| Net loans and leases to deposits | 112.2401% | 132 |
| Net loans and leases to core deposits | 116.6899% | 341 |
| Total domestic deposits to total assets | 79.8388% | 5,707 |
| Equity capital to assets | 13.5678% | 1,205 |
| Core capital (leverage) ratio | 13.5899% | 916 |
| Tier 1 risk-based capital ratio | 21.5417% | 1,348 |
| Total risk-based capital ratio | 22.7944% | 1,325 |
| Memoranda: | ||
| Average total assets | $11,306,618,800 | 104 |
| Average earning assets | $10,858,467,000 | 96 |
| Average equity | $1,525,786,600 | 88 |
| Average total loans | $10,299,252,600 | 75 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8127% | 5,997 |
| Cost of funding earning assets | 1.4309% | 266 |
| Net interest margin | 2.3818% | 6,907 |
| Noninterest income to average assets | 0.1360% | 6,464 |
| Noninterest expense to average assets | 1.3632% | 7,011 |
| Loan and lease loss provision to assets | 1.0267% | 391 |
| Net operating income to assets | 0.0384% | 6,223 |
| Return on assets (ROA) | 0.0384% | 6,358 |
| Pretax return on assets | 0.0335% | 6,362 |
| Return on Equity (ROE) | 0.2851% | 6,370 |
| Retained earnings to average equity (ytd only) | 0.2851% | 5,997 |
| Net charge-offs to loans | 1.0787% | 963 |
| Credit loss provision to net charge-offs | 104.3316% | 2,828 |
| Earnings coverage of net charge-offs (x) | 1.0773% | 4,771 |
| Efficiency ratio | 55.6500% | 6,090 |
| Assets per employee ($millions) | 11.6999% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 6,214 |
| Loan loss allowance to noncurrent loans | 54.0045% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 1.7920% | 2,924 |
| Noncurrent loans to loans | 1.7806% | 3,109 |
| Net loans and leases to total assets | 90.1523% | 42 |
| Net loans and leases to deposits | 112.5949% | 124 |
| Net loans and leases to core deposits | 117.0145% | 367 |
| Total domestic deposits to total assets | 80.0678% | 5,636 |
| Equity capital to assets | 13.2966% | 1,438 |
| Core capital (leverage) ratio | 13.3129% | 1,071 |
| Tier 1 risk-based capital ratio | 20.9375% | 1,542 |
| Total risk-based capital ratio | 22.1891% | 1,505 |
| Memoranda: | ||
| Average total assets | $11,297,968,750 | 102 |
| Average earning assets | $10,849,997,500 | 96 |
| Average equity | $1,522,543,750 | 90 |
| Average total loans | $10,307,015,500 | 77 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8515% | 6,028 |
| Cost of funding earning assets | 1.4599% | 278 |
| Net interest margin | 2.3916% | 6,964 |
| Noninterest income to average assets | 0.1396% | 6,495 |
| Noninterest expense to average assets | 1.3413% | 7,084 |
| Loan and lease loss provision to assets | 1.0322% | 423 |
| Net operating income to assets | 0.0432% | 6,267 |
| Return on assets (ROA) | 0.0432% | 6,408 |
| Pretax return on assets | 0.0623% | 6,372 |
| Return on Equity (ROE) | 0.3192% | 6,420 |
| Retained earnings to average equity (ytd only) | 0.3192% | 5,937 |
| Net charge-offs to loans | 0.9255% | 1,194 |
| Credit loss provision to net charge-offs | 122.1618% | 2,249 |
| Earnings coverage of net charge-offs (x) | 1.2954% | 4,356 |
| Efficiency ratio | 54.4721% | 6,274 |
| Assets per employee ($millions) | 11.5209% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0268% | 6,053 |
| Loan loss allowance to noncurrent loans | 68.3045% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 1.5447% | 3,384 |
| Noncurrent loans to loans | 1.5032% | 3,650 |
| Net loans and leases to total assets | 90.3807% | 36 |
| Net loans and leases to deposits | 113.8249% | 105 |
| Net loans and leases to core deposits | 118.1651% | 344 |
| Total domestic deposits to total assets | 79.4033% | 5,880 |
| Equity capital to assets | 13.3222% | 1,385 |
| Core capital (leverage) ratio | 13.3188% | 1,047 |
| Tier 1 risk-based capital ratio | 20.8244% | 1,517 |
| Total risk-based capital ratio | 22.0771% | 1,486 |
| Memoranda: | ||
| Average total assets | $11,238,094,670 | 102 |
| Average earning assets | $10,790,132,330 | 96 |
| Average equity | $1,521,350,000 | 90 |
| Average total loans | $10,260,097,000 | 77 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8781% | 6,076 |
| Cost of funding earning assets | 1.4866% | 306 |
| Net interest margin | 2.3915% | 7,016 |
| Noninterest income to average assets | 0.1567% | 6,451 |
| Noninterest expense to average assets | 1.3655% | 7,138 |
| Loan and lease loss provision to assets | 0.9702% | 436 |
| Net operating income to assets | 0.0825% | 6,273 |
| Return on assets (ROA) | 0.0825% | 6,390 |
| Pretax return on assets | 0.1165% | 6,357 |
| Return on Equity (ROE) | 0.6045% | 6,422 |
| Retained earnings to average equity (ytd only) | 0.6045% | 5,814 |
| Net charge-offs to loans | 0.8891% | 1,159 |
| Credit loss provision to net charge-offs | 119.5378% | 1,991 |
| Earnings coverage of net charge-offs (x) | 1.3390% | 3,663 |
| Efficiency ratio | 55.0878% | 6,217 |
| Assets per employee ($millions) | 11.6038% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9912% | 6,285 |
| Loan loss allowance to noncurrent loans | 55.0066% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 1.8014% | 3,170 |
| Noncurrent loans to loans | 1.8020% | 3,410 |
| Net loans and leases to total assets | 89.9572% | 41 |
| Net loans and leases to deposits | 111.9037% | 113 |
| Net loans and leases to core deposits | 115.8750% | 385 |
| Total domestic deposits to total assets | 80.3880% | 5,755 |
| Equity capital to assets | 13.5307% | 1,227 |
| Core capital (leverage) ratio | 13.5450% | 930 |
| Tier 1 risk-based capital ratio | 21.3277% | 1,416 |
| Total risk-based capital ratio | 22.5797% | 1,391 |
| Memoranda: | ||
| Average total assets | $11,131,249,500 | 102 |
| Average earning assets | $10,684,590,000 | 95 |
| Average equity | $1,519,212,000 | 89 |
| Average total loans | $10,161,354,000 | 74 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0705% | 6,317 |
| Cost of funding earning assets | 1.6838% | 341 |
| Net interest margin | 2.3867% | 7,108 |
| Noninterest income to average assets | 0.1515% | 6,392 |
| Noninterest expense to average assets | 1.3952% | 7,216 |
| Loan and lease loss provision to assets | 0.7239% | 1,407 |
| Net operating income to assets | 0.2243% | 5,508 |
| Return on assets (ROA) | 0.2243% | 5,652 |
| Pretax return on assets | 0.3210% | 5,506 |
| Return on Equity (ROE) | 1.6432% | 5,792 |
| Retained earnings to average equity (ytd only) | 1.6432% | 5,036 |
| Net charge-offs to loans | 0.7824% | 2,203 |
| Credit loss provision to net charge-offs | 102.2177% | 3,392 |
| Earnings coverage of net charge-offs (x) | 1.4755% | 4,660 |
| Efficiency ratio | 56.5706% | 6,240 |
| Assets per employee ($millions) | 11.5497% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9583% | 6,368 |
| Loan loss allowance to noncurrent loans | 58.4382% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 1.6694% | 3,449 |
| Noncurrent loans to loans | 1.6399% | 3,706 |
| Net loans and leases to total assets | 90.8455% | 31 |
| Net loans and leases to deposits | 111.6398% | 150 |
| Net loans and leases to core deposits | 115.3497% | 458 |
| Total domestic deposits to total assets | 81.3737% | 5,336 |
| Equity capital to assets | 13.7681% | 1,147 |
| Core capital (leverage) ratio | 13.7831% | 877 |
| Tier 1 risk-based capital ratio | 20.9883% | 1,414 |
| Total risk-based capital ratio | 22.2383% | 1,394 |
| Memoranda: | ||
| Average total assets | $10,913,566,800 | 97 |
| Average earning assets | $10,464,926,600 | 91 |
| Average equity | $1,490,001,800 | 88 |
| Average total loans | $9,878,487,000 | 72 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0930% | 6,428 |
| Cost of funding earning assets | 1.7147% | 376 |
| Net interest margin | 2.3783% | 7,185 |
| Noninterest income to average assets | 0.1669% | 6,394 |
| Noninterest expense to average assets | 1.3873% | 7,280 |
| Loan and lease loss provision to assets | 0.7838% | 1,194 |
| Net operating income to assets | 0.1956% | 5,711 |
| Return on assets (ROA) | 0.1956% | 5,843 |
| Pretax return on assets | 0.2758% | 5,758 |
| Return on Equity (ROE) | 1.4356% | 5,963 |
| Retained earnings to average equity (ytd only) | 1.4356% | 5,430 |
| Net charge-offs to loans | 0.7833% | 1,994 |
| Credit loss provision to net charge-offs | 110.9205% | 2,965 |
| Earnings coverage of net charge-offs (x) | 1.4995% | 4,513 |
| Efficiency ratio | 56.0943% | 6,275 |
| Assets per employee ($millions) | 11.5193% | 165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 6,123 |
| Loan loss allowance to noncurrent loans | 55.2554% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 1.8683% | 3,309 |
| Noncurrent loans to loans | 1.8638% | 3,550 |
| Net loans and leases to total assets | 89.8368% | 42 |
| Net loans and leases to deposits | 109.1106% | 189 |
| Net loans and leases to core deposits | 112.9652% | 577 |
| Total domestic deposits to total assets | 82.3356% | 4,963 |
| Equity capital to assets | 13.7835% | 1,250 |
| Core capital (leverage) ratio | 13.8966% | 922 |
| Tier 1 risk-based capital ratio | 21.0425% | 1,448 |
| Total risk-based capital ratio | 22.2925% | 1,426 |
| Memoranda: | ||
| Average total assets | $10,887,354,000 | 98 |
| Average earning assets | $10,437,124,250 | 91 |
| Average equity | $1,483,246,000 | 88 |
| Average total loans | $9,821,462,750 | 72 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0841% | 6,526 |
| Cost of funding earning assets | 1.7324% | 417 |
| Net interest margin | 2.3517% | 7,258 |
| Noninterest income to average assets | 0.1743% | 6,413 |
| Noninterest expense to average assets | 1.3957% | 7,358 |
| Loan and lease loss provision to assets | 0.8257% | 1,107 |
| Net operating income to assets | 0.1290% | 5,935 |
| Return on assets (ROA) | 0.1290% | 6,032 |
| Pretax return on assets | 0.2070% | 5,920 |
| Return on Equity (ROE) | 0.9506% | 6,101 |
| Retained earnings to average equity (ytd only) | 0.9506% | 5,487 |
| Net charge-offs to loans | 0.8515% | 1,801 |
| Credit loss provision to net charge-offs | 107.7225% | 2,855 |
| Earnings coverage of net charge-offs (x) | 1.3473% | 4,276 |
| Efficiency ratio | 56.8733% | 6,310 |
| Assets per employee ($millions) | 11.2609% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 6,310 |
| Loan loss allowance to noncurrent loans | 51.5246% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 1.9481% | 3,309 |
| Noncurrent loans to loans | 1.9494% | 3,544 |
| Net loans and leases to total assets | 89.4924% | 49 |
| Net loans and leases to deposits | 109.1013% | 193 |
| Net loans and leases to core deposits | 112.9542% | 619 |
| Total domestic deposits to total assets | 82.0269% | 5,155 |
| Equity capital to assets | 13.7381% | 1,187 |
| Core capital (leverage) ratio | 13.8214% | 921 |
| Tier 1 risk-based capital ratio | 20.7743% | 1,460 |
| Total risk-based capital ratio | 22.0243% | 1,438 |
| Memoranda: | ||
| Average total assets | $10,899,415,000 | 100 |
| Average earning assets | $10,447,654,670 | 93 |
| Average equity | $1,479,105,670 | 89 |
| Average total loans | $9,812,021,330 | 74 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0471% | 6,610 |
| Cost of funding earning assets | 1.7391% | 476 |
| Net interest margin | 2.3080% | 7,309 |
| Noninterest income to average assets | 0.1607% | 6,576 |
| Noninterest expense to average assets | 1.4765% | 7,376 |
| Loan and lease loss provision to assets | 0.8232% | 1,013 |
| Net operating income to assets | 0.0617% | 6,205 |
| Return on assets (ROA) | 0.0615% | 6,250 |
| Pretax return on assets | 0.0729% | 6,229 |
| Return on Equity (ROE) | 0.4560% | 6,270 |
| Retained earnings to average equity (ytd only) | 0.4560% | 5,636 |
| Net charge-offs to loans | 0.8502% | 1,552 |
| Credit loss provision to net charge-offs | 107.7793% | 2,475 |
| Earnings coverage of net charge-offs (x) | 1.1735% | 3,775 |
| Efficiency ratio | 61.6182% | 5,737 |
| Assets per employee ($millions) | 11.5321% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9828% | 6,458 |
| Loan loss allowance to noncurrent loans | 46.2403% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 2.1021% | 3,190 |
| Noncurrent loans to loans | 2.1253% | 3,411 |
| Net loans and leases to total assets | 89.9357% | 45 |
| Net loans and leases to deposits | 109.3447% | 192 |
| Net loans and leases to core deposits | 113.2366% | 621 |
| Total domestic deposits to total assets | 82.2497% | 5,209 |
| Equity capital to assets | 13.6216% | 1,138 |
| Core capital (leverage) ratio | 13.7212% | 911 |
| Tier 1 risk-based capital ratio | 20.3271% | 1,516 |
| Total risk-based capital ratio | 21.5771% | 1,490 |
| Memoranda: | ||
| Average total assets | $10,932,619,000 | 102 |
| Average earning assets | $10,478,012,000 | 93 |
| Average equity | $1,474,532,000 | 90 |
| Average total loans | $9,821,489,000 | 75 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1619% | 6,976 |
| Cost of funding earning assets | 1.9783% | 654 |
| Net interest margin | 2.1836% | 7,402 |
| Noninterest income to average assets | 0.3918% | 4,961 |
| Noninterest expense to average assets | 1.4063% | 7,478 |
| Loan and lease loss provision to assets | 1.1460% | 1,388 |
| Net operating income to assets | -0.0350% | 5,904 |
| Return on assets (ROA) | -0.0399% | 6,001 |
| Pretax return on assets | -0.0764% | 5,981 |
| Return on Equity (ROE) | -0.3199% | 6,002 |
| Retained earnings to average equity (ytd only) | -0.3199% | 5,671 |
| Net charge-offs to loans | 1.0141% | 2,168 |
| Credit loss provision to net charge-offs | 131.3222% | 3,011 |
| Earnings coverage of net charge-offs (x) | 1.2345% | 4,868 |
| Efficiency ratio | 56.0053% | 6,592 |
| Assets per employee ($millions) | 11.5084% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 6,485 |
| Loan loss allowance to noncurrent loans | 41.7928% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 2.2142% | 3,076 |
| Noncurrent loans to loans | 2.3236% | 3,196 |
| Net loans and leases to total assets | 87.9985% | 100 |
| Net loans and leases to deposits | 105.4327% | 344 |
| Net loans and leases to core deposits | 109.0203% | 984 |
| Total domestic deposits to total assets | 83.4642% | 4,624 |
| Equity capital to assets | 13.3556% | 1,237 |
| Core capital (leverage) ratio | 13.4547% | 980 |
| Tier 1 risk-based capital ratio | 20.0657% | 1,476 |
| Total risk-based capital ratio | 21.3157% | 1,448 |
| Memoranda: | ||
| Average total assets | $10,864,277,200 | 101 |
| Average earning assets | $10,407,556,000 | 91 |
| Average equity | $1,355,927,400 | 92 |
| Average total loans | $9,348,329,800 | 80 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1856% | 7,113 |
| Cost of funding earning assets | 2.0234% | 701 |
| Net interest margin | 2.1623% | 7,525 |
| Noninterest income to average assets | 0.4975% | 4,210 |
| Noninterest expense to average assets | 1.3966% | 7,592 |
| Loan and lease loss provision to assets | 1.1086% | 1,312 |
| Net operating income to assets | 0.0487% | 5,885 |
| Return on assets (ROA) | 0.0407% | 6,040 |
| Pretax return on assets | 0.0531% | 5,999 |
| Return on Equity (ROE) | 0.3323% | 6,044 |
| Retained earnings to average equity (ytd only) | 0.3323% | 5,654 |
| Net charge-offs to loans | 0.9856% | 2,034 |
| Credit loss provision to net charge-offs | 131.8237% | 3,062 |
| Earnings coverage of net charge-offs (x) | 1.3937% | 4,690 |
| Efficiency ratio | 53.7572% | 6,806 |
| Assets per employee ($millions) | 11.5540% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9382% | 6,621 |
| Loan loss allowance to noncurrent loans | 35.5271% | 5,960 |
| Noncurrent assets plus other real estate owned to assets | 2.3679% | 3,010 |
| Noncurrent loans to loans | 2.6407% | 2,984 |
| Net loans and leases to total assets | 83.4182% | 372 |
| Net loans and leases to deposits | 100.0387% | 659 |
| Net loans and leases to core deposits | 103.5056% | 1,526 |
| Total domestic deposits to total assets | 83.3859% | 4,421 |
| Equity capital to assets | 12.0427% | 2,133 |
| Core capital (leverage) ratio | 12.1385% | 1,594 |
| Tier 1 risk-based capital ratio | 18.0004% | 2,024 |
| Total risk-based capital ratio | 19.1729% | 2,011 |
| Memoranda: | ||
| Average total assets | $10,824,074,250 | 99 |
| Average earning assets | $10,368,023,000 | 92 |
| Average equity | $1,326,793,000 | 95 |
| Average total loans | $9,236,148,250 | 79 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2709% | 7,090 |
| Cost of funding earning assets | 2.0647% | 747 |
| Net interest margin | 2.2062% | 7,578 |
| Noninterest income to average assets | 0.6853% | 2,785 |
| Noninterest expense to average assets | 1.3818% | 7,676 |
| Loan and lease loss provision to assets | 1.0229% | 1,425 |
| Net operating income to assets | 0.2591% | 5,338 |
| Return on assets (ROA) | 0.2399% | 5,552 |
| Pretax return on assets | 0.3648% | 5,326 |
| Return on Equity (ROE) | 1.9452% | 5,652 |
| Retained earnings to average equity (ytd only) | 1.9452% | 4,896 |
| Net charge-offs to loans | 0.8815% | 2,073 |
| Credit loss provision to net charge-offs | 135.3780% | 2,959 |
| Earnings coverage of net charge-offs (x) | 1.8751% | 4,115 |
| Efficiency ratio | 48.7842% | 7,305 |
| Assets per employee ($millions) | 11.2777% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8917% | 6,787 |
| Loan loss allowance to noncurrent loans | 35.1513% | 6,017 |
| Noncurrent assets plus other real estate owned to assets | 2.2162% | 3,242 |
| Noncurrent loans to loans | 2.5366% | 3,120 |
| Net loans and leases to total assets | 81.4331% | 607 |
| Net loans and leases to deposits | 97.9484% | 880 |
| Net loans and leases to core deposits | 101.4084% | 1,876 |
| Total domestic deposits to total assets | 83.1388% | 4,510 |
| Equity capital to assets | 12.2718% | 1,939 |
| Core capital (leverage) ratio | 12.3565% | 1,468 |
| Tier 1 risk-based capital ratio | 18.3625% | 1,866 |
| Total risk-based capital ratio | 19.4522% | 1,870 |
| Memoranda: | ||
| Average total assets | $10,754,070,330 | 99 |
| Average earning assets | $10,300,665,000 | 91 |
| Average equity | $1,326,122,330 | 93 |
| Average total loans | $9,217,663,330 | 78 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3195% | 7,105 |
| Cost of funding earning assets | 2.0953% | 825 |
| Net interest margin | 2.2242% | 7,640 |
| Noninterest income to average assets | 0.3705% | 5,183 |
| Noninterest expense to average assets | 1.3758% | 7,772 |
| Loan and lease loss provision to assets | 0.9360% | 1,347 |
| Net operating income to assets | 0.1194% | 5,973 |
| Return on assets (ROA) | 0.1037% | 6,117 |
| Pretax return on assets | 0.1636% | 5,987 |
| Return on Equity (ROE) | 0.8389% | 6,164 |
| Retained earnings to average equity (ytd only) | 0.8389% | 5,480 |
| Net charge-offs to loans | 0.9291% | 1,730 |
| Credit loss provision to net charge-offs | 115.1066% | 3,027 |
| Earnings coverage of net charge-offs (x) | 1.3823% | 3,916 |
| Efficiency ratio | 54.3582% | 6,936 |
| Assets per employee ($millions) | 11.1685% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7398% | 7,272 |
| Loan loss allowance to noncurrent loans | 30.6281% | 6,363 |
| Noncurrent assets plus other real estate owned to assets | 2.2325% | 3,236 |
| Noncurrent loans to loans | 2.4154% | 3,255 |
| Net loans and leases to total assets | 86.2731% | 199 |
| Net loans and leases to deposits | 104.0478% | 525 |
| Net loans and leases to core deposits | 107.6300% | 1,450 |
| Total domestic deposits to total assets | 82.9169% | 4,666 |
| Equity capital to assets | 12.3837% | 1,820 |
| Core capital (leverage) ratio | 12.4741% | 1,416 |
| Tier 1 risk-based capital ratio | 17.6682% | 2,032 |
| Total risk-based capital ratio | 18.5797% | 2,098 |
| Memoranda: | ||
| Average total assets | $10,683,978,000 | 99 |
| Average earning assets | $10,228,270,500 | 94 |
| Average equity | $1,320,721,500 | 91 |
| Average total loans | $9,350,821,000 | 77 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5652% | 7,323 |
| Cost of funding earning assets | 2.3385% | 1,497 |
| Net interest margin | 2.2266% | 7,636 |
| Noninterest income to average assets | 0.3224% | 5,783 |
| Noninterest expense to average assets | 1.3765% | 7,847 |
| Loan and lease loss provision to assets | 1.1329% | 2,014 |
| Net operating income to assets | -0.0321% | 5,554 |
| Return on assets (ROA) | 0.0824% | 5,298 |
| Pretax return on assets | 0.1184% | 5,179 |
| Return on Equity (ROE) | 0.6690% | 5,338 |
| Retained earnings to average equity (ytd only) | 0.6690% | 4,530 |
| Net charge-offs to loans | 0.7719% | 2,894 |
| Credit loss provision to net charge-offs | 165.2554% | 2,640 |
| Earnings coverage of net charge-offs (x) | 1.5866% | 4,551 |
| Efficiency ratio | 55.1871% | 7,110 |
| Assets per employee ($millions) | 11.0442% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6953% | 7,386 |
| Loan loss allowance to noncurrent loans | 27.7321% | 6,622 |
| Noncurrent assets plus other real estate owned to assets | 2.3589% | 2,943 |
| Noncurrent loans to loans | 2.5073% | 3,036 |
| Net loans and leases to total assets | 87.5154% | 196 |
| Net loans and leases to deposits | 105.5764% | 576 |
| Net loans and leases to core deposits | 135.5478% | 973 |
| Total domestic deposits to total assets | 82.8929% | 4,568 |
| Equity capital to assets | 12.3397% | 1,828 |
| Core capital (leverage) ratio | 12.4334% | 1,480 |
| Tier 1 risk-based capital ratio | 17.4083% | 2,052 |
| Total risk-based capital ratio | 18.2670% | 2,110 |
| Memoranda: | ||
| Average total assets | $10,680,464,000 | 103 |
| Average earning assets | $10,273,612,400 | 95 |
| Average equity | $1,315,107,000 | 92 |
| Average total loans | $9,485,918,400 | 74 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6156% | 7,400 |
| Cost of funding earning assets | 2.3840% | 1,689 |
| Net interest margin | 2.2316% | 7,697 |
| Noninterest income to average assets | 0.3370% | 5,794 |
| Noninterest expense to average assets | 1.3835% | 7,927 |
| Loan and lease loss provision to assets | 1.3107% | 1,475 |
| Net operating income to assets | -0.1291% | 5,942 |
| Return on assets (ROA) | 0.0021% | 5,765 |
| Pretax return on assets | -0.0030% | 5,712 |
| Return on Equity (ROE) | 0.0173% | 5,768 |
| Retained earnings to average equity (ytd only) | 0.0173% | 5,195 |
| Net charge-offs to loans | 0.7624% | 2,451 |
| Credit loss provision to net charge-offs | 193.1923% | 2,340 |
| Earnings coverage of net charge-offs (x) | 1.6253% | 4,576 |
| Efficiency ratio | 54.9828% | 7,118 |
| Assets per employee ($millions) | 10.8657% | 219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7308% | 7,306 |
| Loan loss allowance to noncurrent loans | 29.5941% | 6,486 |
| Noncurrent assets plus other real estate owned to assets | 2.3559% | 2,924 |
| Noncurrent loans to loans | 2.4695% | 3,052 |
| Net loans and leases to total assets | 87.9469% | 208 |
| Net loans and leases to deposits | 106.2900% | 639 |
| Net loans and leases to core deposits | 137.4543% | 1,035 |
| Total domestic deposits to total assets | 82.7424% | 4,344 |
| Equity capital to assets | 12.3830% | 2,010 |
| Core capital (leverage) ratio | 12.4803% | 1,591 |
| Tier 1 risk-based capital ratio | 17.2957% | 2,184 |
| Total risk-based capital ratio | 18.1938% | 2,241 |
| Memoranda: | ||
| Average total assets | $10,680,650,500 | 106 |
| Average earning assets | $10,286,612,000 | 100 |
| Average equity | $1,314,423,500 | 95 |
| Average total loans | $9,504,438,250 | 80 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6846% | 7,411 |
| Cost of funding earning assets | 2.4237% | 1,867 |
| Net interest margin | 2.2610% | 7,705 |
| Noninterest income to average assets | 0.2636% | 6,387 |
| Noninterest expense to average assets | 1.4706% | 7,984 |
| Loan and lease loss provision to assets | 0.8952% | 1,888 |
| Net operating income to assets | 0.0487% | 5,709 |
| Return on assets (ROA) | 0.2509% | 5,180 |
| Pretax return on assets | 0.3820% | 4,987 |
| Return on Equity (ROE) | 2.0429% | 5,284 |
| Retained earnings to average equity (ytd only) | 2.0429% | 4,206 |
| Net charge-offs to loans | 0.7032% | 2,295 |
| Credit loss provision to net charge-offs | 142.8401% | 3,256 |
| Earnings coverage of net charge-offs (x) | 1.5492% | 4,375 |
| Efficiency ratio | 59.5632% | 6,613 |
| Assets per employee ($millions) | 10.6721% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3338% | 7,966 |
| Loan loss allowance to noncurrent loans | 14.8440% | 7,366 |
| Noncurrent assets plus other real estate owned to assets | 2.1512% | 2,996 |
| Noncurrent loans to loans | 2.2489% | 3,188 |
| Net loans and leases to total assets | 89.2029% | 173 |
| Net loans and leases to deposits | 109.2399% | 590 |
| Net loans and leases to core deposits | 140.4673% | 991 |
| Total domestic deposits to total assets | 81.6578% | 4,830 |
| Equity capital to assets | 12.3606% | 2,003 |
| Core capital (leverage) ratio | 12.3684% | 1,664 |
| Tier 1 risk-based capital ratio | 17.1338% | 2,262 |
| Total risk-based capital ratio | 17.5480% | 2,466 |
| Memoranda: | ||
| Average total assets | $10,723,993,000 | 109 |
| Average earning assets | $10,330,243,330 | 103 |
| Average equity | $1,317,069,670 | 99 |
| Average total loans | $9,556,830,330 | 84 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8027% | 7,365 |
| Cost of funding earning assets | 2.5100% | 1,881 |
| Net interest margin | 2.2927% | 7,723 |
| Noninterest income to average assets | -0.1124% | 8,142 |
| Noninterest expense to average assets | 1.3619% | 8,051 |
| Loan and lease loss provision to assets | 1.0450% | 1,249 |
| Net operating income to assets | -0.2092% | 6,568 |
| Return on assets (ROA) | 0.2015% | 5,820 |
| Pretax return on assets | 0.3021% | 5,676 |
| Return on Equity (ROE) | 1.6459% | 5,899 |
| Retained earnings to average equity (ytd only) | 1.6459% | 4,922 |
| Net charge-offs to loans | 0.6086% | 1,956 |
| Credit loss provision to net charge-offs | 193.1034% | 2,288 |
| Earnings coverage of net charge-offs (x) | 1.3567% | 4,057 |
| Efficiency ratio | 64.1894% | 5,653 |
| Assets per employee ($millions) | 10.9864% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3298% | 8,012 |
| Loan loss allowance to noncurrent loans | 16.1422% | 7,351 |
| Noncurrent assets plus other real estate owned to assets | 1.9505% | 2,982 |
| Noncurrent loans to loans | 2.0430% | 3,208 |
| Net loans and leases to total assets | 88.8879% | 201 |
| Net loans and leases to deposits | 108.7800% | 682 |
| Net loans and leases to core deposits | 139.3480% | 1,136 |
| Total domestic deposits to total assets | 81.7134% | 4,671 |
| Equity capital to assets | 12.4128% | 2,023 |
| Core capital (leverage) ratio | 12.4234% | 1,716 |
| Tier 1 risk-based capital ratio | 17.1316% | 2,299 |
| Total risk-based capital ratio | 17.5376% | 2,532 |
| Memoranda: | ||
| Average total assets | $10,717,908,000 | 110 |
| Average earning assets | $10,324,631,000 | 105 |
| Average equity | $1,312,079,000 | 98 |
| Average total loans | $9,530,722,500 | 86 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2676% | 7,635 |
| Cost of funding earning assets | 3.2487% | 1,045 |
| Net interest margin | 2.0189% | 8,053 |
| Noninterest income to average assets | 0.2547% | 6,627 |
| Noninterest expense to average assets | 1.2928% | 8,120 |
| Loan and lease loss provision to assets | 0.3932% | 3,338 |
| Net operating income to assets | 0.3478% | 5,359 |
| Return on assets (ROA) | 0.3864% | 5,019 |
| Pretax return on assets | 0.5669% | 4,789 |
| Return on Equity (ROE) | 3.0352% | 5,223 |
| Retained earnings to average equity (ytd only) | -4.4086% | 6,402 |
| Net charge-offs to loans | 0.5515% | 2,174 |
| Credit loss provision to net charge-offs | 83.4825% | 5,822 |
| Earnings coverage of net charge-offs (x) | 1.9178% | 5,109 |
| Efficiency ratio | 58.3646% | 6,632 |
| Assets per employee ($millions) | 11.3563% | 191 |
| Cash dividends to net income (ytd only)* | 245.2483% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1841% | 8,174 |
| Loan loss allowance to noncurrent loans | 10.2685% | 7,503 |
| Noncurrent assets plus other real estate owned to assets | 1.7310% | 2,817 |
| Noncurrent loans to loans | 1.7924% | 3,075 |
| Net loans and leases to total assets | 88.5071% | 321 |
| Net loans and leases to deposits | 113.0373% | 664 |
| Net loans and leases to core deposits | 143.0788% | 1,132 |
| Total domestic deposits to total assets | 78.2990% | 5,616 |
| Equity capital to assets | 12.0748% | 2,247 |
| Core capital (leverage) ratio | 12.0798% | 1,925 |
| Tier 1 risk-based capital ratio | 17.0083% | 2,306 |
| Total risk-based capital ratio | 17.2383% | 2,615 |
| Memoranda: | ||
| Average total assets | $10,553,518,000 | 109 |
| Average earning assets | $10,148,163,800 | 102 |
| Average equity | $1,343,403,400 | 91 |
| Average total loans | $9,013,447,200 | 90 |