Home > Truist Bank > Performance and Condition Ratios
Truist Bank, 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 | 5.4594% | 2,221 |
| Cost of funding earning assets | 2.2250% | 1,683 |
| Net interest margin | 3.2344% | 2,657 |
| Noninterest income to average assets | 0.8200% | 883 |
| Noninterest expense to average assets | 2.0727% | 3,440 |
| Loan and lease loss provision to assets | 0.3600% | 320 |
| Net operating income to assets | 1.0388% | 1,931 |
| Return on assets (ROA) | 0.9681% | 2,160 |
| Pretax return on assets | 0.8740% | 2,878 |
| Return on Equity (ROE) | 8.3500% | 2,641 |
| Retained earnings to average equity (ytd only) | -3.6123% | 4,236 |
| Net charge-offs to loans | 0.5855% | 254 |
| Credit loss provision to net charge-offs | 103.1042% | 1,850 |
| Earnings coverage of net charge-offs (x) | 4.5360% | 2,647 |
| Efficiency ratio | 55.1528% | 3,638 |
| Assets per employee ($millions) | 14.7407% | 232 |
| Cash dividends to net income (ytd only)* | 143.2481% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5783% | 836 |
| Loan loss allowance to noncurrent loans | 240.7738% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.4009% | 1,714 |
| Noncurrent loans to loans | 0.6555% | 1,488 |
| Net loans and leases to total assets | 57.8600% | 3,117 |
| Net loans and leases to deposits | 75.2837% | 2,532 |
| Net loans and leases to core deposits | 82.9790% | 2,565 |
| Total domestic deposits to total assets | 76.8600% | 3,883 |
| Equity capital to assets | 11.6284% | 1,312 |
| Core capital (leverage) ratio | 10.1330% | 2,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2656% | 1,771 |
| Memoranda: | ||
| Average total assets | $520,909,800,000 | 7 |
| Average earning assets | $454,023,600,000 | 7 |
| Average equity | $60,376,600,000 | 5 |
| Average total loans | $308,106,400,000 | 7 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4929% | 2,095 |
| Cost of funding earning assets | 2.2685% | 1,591 |
| Net interest margin | 3.2245% | 2,634 |
| Noninterest income to average assets | 0.8100% | 864 |
| Noninterest expense to average assets | 2.0667% | 3,408 |
| Loan and lease loss provision to assets | 0.3600% | 280 |
| Net operating income to assets | 1.0326% | 1,952 |
| Return on assets (ROA) | 0.9422% | 2,254 |
| Pretax return on assets | 0.7433% | 3,159 |
| Return on Equity (ROE) | 8.1400% | 2,728 |
| Retained earnings to average equity (ytd only) | -1.5731% | 4,171 |
| Net charge-offs to loans | 0.5839% | 227 |
| Credit loss provision to net charge-offs | 103.2593% | 1,629 |
| Earnings coverage of net charge-offs (x) | 4.4763% | 2,439 |
| Efficiency ratio | 55.4044% | 3,604 |
| Assets per employee ($millions) | 14.4393% | 243 |
| Cash dividends to net income (ytd only)* | 119.3364% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5897% | 858 |
| Loan loss allowance to noncurrent loans | 243.0653% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 1,640 |
| Noncurrent loans to loans | 0.6540% | 1,489 |
| Net loans and leases to total assets | 58.1200% | 3,085 |
| Net loans and leases to deposits | 74.7792% | 2,626 |
| Net loans and leases to core deposits | 82.3590% | 2,663 |
| Total domestic deposits to total assets | 77.7200% | 3,757 |
| Equity capital to assets | 12.3348% | 1,158 |
| Core capital (leverage) ratio | 10.5474% | 2,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7564% | 1,613 |
| Memoranda: | ||
| Average total assets | $520,354,250,000 | 8 |
| Average earning assets | $453,274,250,000 | 8 |
| Average equity | $60,262,750,000 | 6 |
| Average total loans | $308,244,750,000 | 8 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4628% | 2,039 |
| Cost of funding earning assets | 2.2908% | 1,462 |
| Net interest margin | 3.1720% | 2,689 |
| Noninterest income to average assets | 0.8100% | 850 |
| Noninterest expense to average assets | 2.0829% | 3,372 |
| Loan and lease loss provision to assets | 0.3600% | 263 |
| Net operating income to assets | 0.9886% | 2,033 |
| Return on assets (ROA) | 0.8486% | 2,481 |
| Pretax return on assets | 0.4417% | 3,738 |
| Return on Equity (ROE) | 7.4900% | 2,879 |
| Retained earnings to average equity (ytd only) | -1.7916% | 4,124 |
| Net charge-offs to loans | 0.6021% | 210 |
| Credit loss provision to net charge-offs | 101.1803% | 1,479 |
| Earnings coverage of net charge-offs (x) | 4.1448% | 2,281 |
| Efficiency ratio | 56.6559% | 3,522 |
| Assets per employee ($millions) | 13.1143% | 306 |
| Cash dividends to net income (ytd only)* | 123.9278% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5645% | 922 |
| Loan loss allowance to noncurrent loans | 251.5183% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.3987% | 1,606 |
| Noncurrent loans to loans | 0.6220% | 1,483 |
| Net loans and leases to total assets | 59.0400% | 3,045 |
| Net loans and leases to deposits | 76.0546% | 2,535 |
| Net loans and leases to core deposits | 83.6035% | 2,555 |
| Total domestic deposits to total assets | 77.6300% | 3,744 |
| Equity capital to assets | 12.0975% | 1,141 |
| Core capital (leverage) ratio | 10.3132% | 2,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9146% | 1,545 |
| Memoranda: | ||
| Average total assets | $522,064,333,333 | 8 |
| Average earning assets | $453,727,000,000 | 8 |
| Average equity | $59,166,333,333 | 6 |
| Average total loans | $309,570,666,667 | 8 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3616% | 2,079 |
| Cost of funding earning assets | 2.2656% | 1,410 |
| Net interest margin | 3.0960% | 2,799 |
| Noninterest income to average assets | 0.7500% | 925 |
| Noninterest expense to average assets | 2.0033% | 3,567 |
| Loan and lease loss provision to assets | 0.3800% | 230 |
| Net operating income to assets | 0.8708% | 2,316 |
| Return on assets (ROA) | 0.9288% | 2,169 |
| Pretax return on assets | 1.1087% | 2,119 |
| Return on Equity (ROE) | 8.4700% | 2,557 |
| Retained earnings to average equity (ytd only) | 0.2077% | 3,656 |
| Net charge-offs to loans | 0.6319% | 154 |
| Credit loss provision to net charge-offs | 101.2220% | 1,136 |
| Earnings coverage of net charge-offs (x) | 3.8350% | 1,923 |
| Efficiency ratio | 56.5112% | 3,556 |
| Assets per employee ($millions) | 11.2435% | 520 |
| Cash dividends to net income (ytd only)* | 97.5490% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 933 |
| Loan loss allowance to noncurrent loans | 245.5988% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.3979% | 1,544 |
| Noncurrent loans to loans | 0.6335% | 1,386 |
| Net loans and leases to total assets | 57.6500% | 3,069 |
| Net loans and leases to deposits | 74.7628% | 2,531 |
| Net loans and leases to core deposits | 82.7537% | 2,523 |
| Total domestic deposits to total assets | 77.1100% | 3,896 |
| Equity capital to assets | 10.9308% | 1,522 |
| Core capital (leverage) ratio | 9.4058% | 3,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5300% | 2,062 |
| Memoranda: | ||
| Average total assets | $527,122,000,000 | 8 |
| Average earning assets | $456,206,000,000 | 8 |
| Average equity | $57,784,000,000 | 6 |
| Average total loans | $310,829,000,000 | 8 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1546% | 1,754 |
| Cost of funding earning assets | 1.9277% | 1,023 |
| Net interest margin | 3.2269% | 2,805 |
| Noninterest income to average assets | 1.3800% | 430 |
| Noninterest expense to average assets | 3.7151% | 461 |
| Loan and lease loss provision to assets | 0.3900% | 250 |
| Net operating income to assets | -0.1165% | 4,435 |
| Return on assets (ROA) | -0.1184% | 4,418 |
| Pretax return on assets | 0.0636% | 4,302 |
| Return on Equity (ROE) | -1.0600% | 4,391 |
| Retained earnings to average equity (ytd only) | -9.1602% | 4,456 |
| Net charge-offs to loans | 0.4941% | 208 |
| Credit loss provision to net charge-offs | 131.0302% | 1,591 |
| Earnings coverage of net charge-offs (x) | 1.5408% | 2,752 |
| Efficiency ratio | 60.1209% | 3,063 |
| Assets per employee ($millions) | 10.8852% | 544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5303% | 979 |
| Loan loss allowance to noncurrent loans | 243.9186% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.3988% | 1,390 |
| Noncurrent loans to loans | 0.6274% | 1,256 |
| Net loans and leases to total assets | 58.4700% | 2,994 |
| Net loans and leases to deposits | 75.6836% | 2,481 |
| Net loans and leases to core deposits | 84.1426% | 2,441 |
| Total domestic deposits to total assets | 77.2500% | 3,821 |
| Equity capital to assets | 10.9935% | 1,483 |
| Core capital (leverage) ratio | 9.2136% | 3,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3104% | 2,126 |
| Memoranda: | ||
| Average total assets | $544,071,600,000 | 7 |
| Average earning assets | $469,834,600,000 | 7 |
| Average equity | $60,795,400,000 | 5 |
| Average total loans | $322,195,200,000 | 7 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0775% | 1,669 |
| Cost of funding earning assets | 1.8454% | 939 |
| Net interest margin | 3.2321% | 2,845 |
| Noninterest income to average assets | 1.3800% | 431 |
| Noninterest expense to average assets | 2.4961% | 2,239 |
| Loan and lease loss provision to assets | 0.3700% | 231 |
| Net operating income to assets | 1.0497% | 2,220 |
| Return on assets (ROA) | 1.0443% | 2,223 |
| Pretax return on assets | 1.2902% | 2,068 |
| Return on Equity (ROE) | 9.3100% | 2,847 |
| Retained earnings to average equity (ytd only) | 2.7557% | 3,568 |
| Net charge-offs to loans | 0.4681% | 183 |
| Credit loss provision to net charge-offs | 134.3284% | 1,394 |
| Earnings coverage of net charge-offs (x) | 6.0193% | 2,320 |
| Efficiency ratio | 57.7195% | 3,243 |
| Assets per employee ($millions) | 10.8186% | 526 |
| Cash dividends to net income (ytd only)* | 70.4006% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 1,166 |
| Loan loss allowance to noncurrent loans | 223.1794% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.4194% | 1,385 |
| Noncurrent loans to loans | 0.6627% | 1,244 |
| Net loans and leases to total assets | 58.3800% | 2,997 |
| Net loans and leases to deposits | 75.8623% | 2,430 |
| Net loans and leases to core deposits | 84.1756% | 2,317 |
| Total domestic deposits to total assets | 76.9500% | 3,929 |
| Equity capital to assets | 11.5157% | 1,173 |
| Core capital (leverage) ratio | 9.2803% | 3,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2550% | 2,184 |
| Memoranda: | ||
| Average total assets | $548,207,000,000 | 7 |
| Average earning assets | $472,953,750,000 | 7 |
| Average equity | $61,495,750,000 | 5 |
| Average total loans | $324,440,250,000 | 6 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9574% | 1,633 |
| Cost of funding earning assets | 1.7061% | 876 |
| Net interest margin | 3.2513% | 2,863 |
| Noninterest income to average assets | 1.3900% | 359 |
| Noninterest expense to average assets | 2.4647% | 2,305 |
| Loan and lease loss provision to assets | 0.3800% | 226 |
| Net operating income to assets | 1.0913% | 2,146 |
| Return on assets (ROA) | 1.0749% | 2,190 |
| Pretax return on assets | 1.3369% | 1,969 |
| Return on Equity (ROE) | 9.6700% | 2,799 |
| Retained earnings to average equity (ytd only) | 2.0534% | 3,713 |
| Net charge-offs to loans | 0.4509% | 193 |
| Credit loss provision to net charge-offs | 141.2483% | 1,231 |
| Earnings coverage of net charge-offs (x) | 6.4885% | 2,122 |
| Efficiency ratio | 56.5304% | 3,352 |
| Assets per employee ($millions) | 10.9195% | 520 |
| Cash dividends to net income (ytd only)* | 78.7542% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4214% | 1,450 |
| Loan loss allowance to noncurrent loans | 210.5672% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.4247% | 1,258 |
| Noncurrent loans to loans | 0.6750% | 1,107 |
| Net loans and leases to total assets | 58.3900% | 2,926 |
| Net loans and leases to deposits | 76.3276% | 2,279 |
| Net loans and leases to core deposits | 84.6067% | 2,171 |
| Total domestic deposits to total assets | 76.4900% | 4,003 |
| Equity capital to assets | 11.5002% | 1,201 |
| Core capital (leverage) ratio | 8.8119% | 3,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8317% | 2,361 |
| Memoranda: | ||
| Average total assets | $552,609,333,333 | 7 |
| Average earning assets | $477,590,000,000 | 7 |
| Average equity | $61,458,000,000 | 5 |
| Average total loans | $326,915,666,667 | 6 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7623% | 1,714 |
| Cost of funding earning assets | 1.4295% | 972 |
| Net interest margin | 3.3328% | 2,789 |
| Noninterest income to average assets | 1.3500% | 372 |
| Noninterest expense to average assets | 2.4315% | 2,437 |
| Loan and lease loss provision to assets | 0.3600% | 227 |
| Net operating income to assets | 1.1407% | 2,098 |
| Return on assets (ROA) | 1.1297% | 2,094 |
| Pretax return on assets | 1.4221% | 1,829 |
| Return on Equity (ROE) | 10.3300% | 2,688 |
| Retained earnings to average equity (ytd only) | 0.8231% | 3,893 |
| Net charge-offs to loans | 0.3617% | 218 |
| Credit loss provision to net charge-offs | 158.9226% | 920 |
| Earnings coverage of net charge-offs (x) | 8.4040% | 1,722 |
| Efficiency ratio | 55.2699% | 3,481 |
| Assets per employee ($millions) | 11.0501% | 501 |
| Cash dividends to net income (ytd only)* | 92.0331% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 1,782 |
| Loan loss allowance to noncurrent loans | 175.2448% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 1,079 |
| Noncurrent loans to loans | 0.7744% | 994 |
| Net loans and leases to total assets | 57.5800% | 2,903 |
| Net loans and leases to deposits | 78.0169% | 1,971 |
| Net loans and leases to core deposits | 84.4390% | 1,959 |
| Total domestic deposits to total assets | 73.8000% | 4,291 |
| Equity capital to assets | 10.9014% | 1,375 |
| Core capital (leverage) ratio | 8.5124% | 4,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2512% | 2,649 |
| Memoranda: | ||
| Average total assets | $555,532,500,000 | 6 |
| Average earning assets | $480,444,000,000 | 7 |
| Average equity | $60,747,500,000 | 5 |
| Average total loans | $328,456,000,000 | 6 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5644% | 2,904 |
| Cost of funding earning assets | 0.4114% | 2,001 |
| Net interest margin | 3.1530% | 3,011 |
| Noninterest income to average assets | 1.3800% | 378 |
| Noninterest expense to average assets | 2.5080% | 2,088 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.1817% | 1,855 |
| Return on assets (ROA) | 1.1570% | 1,882 |
| Pretax return on assets | 1.4189% | 1,716 |
| Return on Equity (ROE) | 10.3000% | 2,715 |
| Retained earnings to average equity (ytd only) | 2.3034% | 3,919 |
| Net charge-offs to loans | 0.2703% | 290 |
| Credit loss provision to net charge-offs | 92.9526% | 1,615 |
| Earnings coverage of net charge-offs (x) | 10.3524% | 2,191 |
| Efficiency ratio | 58.6188% | 3,248 |
| Assets per employee ($millions) | 10.6212% | 557 |
| Cash dividends to net income (ytd only)* | 77.6322% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 1,736 |
| Loan loss allowance to noncurrent loans | 156.5342% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.5309% | 944 |
| Noncurrent loans to loans | 0.8535% | 875 |
| Net loans and leases to total assets | 59.1100% | 2,719 |
| Net loans and leases to deposits | 76.0055% | 2,095 |
| Net loans and leases to core deposits | 81.5161% | 2,039 |
| Total domestic deposits to total assets | 77.7600% | 4,114 |
| Equity capital to assets | 10.9698% | 1,268 |
| Core capital (leverage) ratio | 8.5327% | 4,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0850% | 2,710 |
| Memoranda: | ||
| Average total assets | $534,410,400,000 | 7 |
| Average earning assets | $461,877,400,000 | 7 |
| Average equity | $60,041,200,000 | 5 |
| Average total loans | $304,516,000,000 | 7 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1267% | 3,609 |
| Cost of funding earning assets | 0.2310% | 2,917 |
| Net interest margin | 2.8958% | 3,510 |
| Noninterest income to average assets | 1.4000% | 380 |
| Noninterest expense to average assets | 2.4844% | 2,060 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.1131% | 2,039 |
| Return on assets (ROA) | 1.0765% | 2,143 |
| Pretax return on assets | 1.3266% | 1,961 |
| Return on Equity (ROE) | 9.5200% | 2,868 |
| Retained earnings to average equity (ytd only) | 4.6410% | 3,222 |
| Net charge-offs to loans | 0.1713% | 387 |
| Credit loss provision to net charge-offs | 53.9063% | 1,514 |
| Earnings coverage of net charge-offs (x) | 14.7500% | 1,856 |
| Efficiency ratio | 60.9880% | 2,979 |
| Assets per employee ($millions) | 10.8411% | 519 |
| Cash dividends to net income (ytd only)* | 51.2701% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1148% | 2,946 |
| Loan loss allowance to noncurrent loans | 125.5335% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.5457% | 984 |
| Noncurrent loans to loans | 0.8880% | 885 |
| Net loans and leases to total assets | 57.6400% | 2,745 |
| Net loans and leases to deposits | 72.1078% | 2,193 |
| Net loans and leases to core deposits | 76.2955% | 2,173 |
| Total domestic deposits to total assets | 79.9300% | 4,105 |
| Equity capital to assets | 10.5902% | 1,339 |
| Core capital (leverage) ratio | 7.9490% | 4,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3468% | 2,977 |
| Memoranda: | ||
| Average total assets | $531,456,000,000 | 7 |
| Average earning assets | $459,510,250,000 | 7 |
| Average equity | $60,071,500,000 | 5 |
| Average total loans | $298,839,250,000 | 7 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8811% | 3,829 |
| Cost of funding earning assets | 0.1306% | 3,832 |
| Net interest margin | 2.7505% | 3,574 |
| Noninterest income to average assets | 1.4257% | 359 |
| Noninterest expense to average assets | 2.4929% | 1,951 |
| Loan and lease loss provision to assets | 0.0117% | 2,386 |
| Net operating income to assets | 1.0538% | 1,958 |
| Return on assets (ROA) | 1.0088% | 2,091 |
| Pretax return on assets | 1.2474% | 1,906 |
| Return on Equity (ROE) | 8.7396% | 2,781 |
| Retained earnings to average equity (ytd only) | 2.3711% | 3,651 |
| Net charge-offs to loans | 0.1588% | 402 |
| Credit loss provision to net charge-offs | 18.8034% | 1,607 |
| Earnings coverage of net charge-offs (x) | 14.9017% | 1,644 |
| Efficiency ratio | 62.7822% | 2,947 |
| Assets per employee ($millions) | 11.0652% | 480 |
| Cash dividends to net income (ytd only)* | 72.8700% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1399% | 2,986 |
| Loan loss allowance to noncurrent loans | 123.8095% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.5589% | 1,019 |
| Noncurrent loans to loans | 0.9207% | 908 |
| Net loans and leases to total assets | 56.3628% | 2,713 |
| Net loans and leases to deposits | 68.8712% | 2,312 |
| Net loans and leases to core deposits | 72.8680% | 2,249 |
| Total domestic deposits to total assets | 81.8379% | 4,026 |
| Equity capital to assets | 10.9444% | 1,237 |
| Core capital (leverage) ratio | 7.8833% | 4,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3952% | 2,947 |
| Memoranda: | ||
| Average total assets | $530,546,333,333 | 7 |
| Average earning assets | $459,409,666,667 | 7 |
| Average equity | $61,238,333,333 | 5 |
| Average total loans | $294,666,666,667 | 7 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7446% | 3,853 |
| Cost of funding earning assets | 0.0958% | 4,189 |
| Net interest margin | 2.6489% | 3,525 |
| Noninterest income to average assets | 1.4293% | 374 |
| Noninterest expense to average assets | 2.5346% | 1,797 |
| Loan and lease loss provision to assets | -0.0853% | 4,575 |
| Net operating income to assets | 1.0369% | 1,737 |
| Return on assets (ROA) | 0.9664% | 2,008 |
| Pretax return on assets | 1.1907% | 1,838 |
| Return on Equity (ROE) | 8.1605% | 2,621 |
| Retained earnings to average equity (ytd only) | 2.4227% | 3,429 |
| Net charge-offs to loans | 0.1543% | 380 |
| Credit loss provision to net charge-offs | -95.5357% | 2,872 |
| Earnings coverage of net charge-offs (x) | 14.0982% | 1,375 |
| Efficiency ratio | 65.3160% | 2,856 |
| Assets per employee ($millions) | 11.0798% | 496 |
| Cash dividends to net income (ytd only)* | 70.3125% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 2,955 |
| Loan loss allowance to noncurrent loans | 118.9799% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.5760% | 1,029 |
| Noncurrent loans to loans | 0.9925% | 913 |
| Net loans and leases to total assets | 54.0355% | 2,754 |
| Net loans and leases to deposits | 65.3300% | 2,403 |
| Net loans and leases to core deposits | 68.4855% | 2,414 |
| Total domestic deposits to total assets | 82.7116% | 3,979 |
| Equity capital to assets | 11.3938% | 1,164 |
| Core capital (leverage) ratio | 7.8992% | 4,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7449% | 2,944 |
| Memoranda: | ||
| Average total assets | $529,779,500,000 | 7 |
| Average earning assets | $459,513,000,000 | 7 |
| Average equity | $62,741,000,000 | 5 |
| Average total loans | $290,323,500,000 | 7 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8807% | 4,089 |
| Cost of funding earning assets | 0.1076% | 4,331 |
| Net interest margin | 2.7731% | 3,726 |
| Noninterest income to average assets | 1.4272% | 552 |
| Noninterest expense to average assets | 2.6923% | 1,654 |
| Loan and lease loss provision to assets | -0.1790% | 4,665 |
| Net operating income to assets | 1.0726% | 2,400 |
| Return on assets (ROA) | 1.0873% | 2,416 |
| Pretax return on assets | 1.3471% | 2,212 |
| Return on Equity (ROE) | 8.6220% | 3,042 |
| Retained earnings to average equity (ytd only) | 2.1969% | 3,922 |
| Net charge-offs to loans | 0.1669% | 576 |
| Credit loss provision to net charge-offs | -167.2840% | 3,473 |
| Earnings coverage of net charge-offs (x) | 12.1214% | 2,126 |
| Efficiency ratio | 67.2324% | 2,093 |
| Assets per employee ($millions) | 10.9864% | 511 |
| Cash dividends to net income (ytd only)* | 74.5197% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 2,593 |
| Loan loss allowance to noncurrent loans | 124.5986% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.5655% | 1,170 |
| Noncurrent loans to loans | 1.0084% | 977 |
| Net loans and leases to total assets | 54.2309% | 2,818 |
| Net loans and leases to deposits | 66.9452% | 2,414 |
| Net loans and leases to core deposits | 68.6678% | 2,590 |
| Total domestic deposits to total assets | 81.0079% | 4,105 |
| Equity capital to assets | 12.2941% | 1,131 |
| Core capital (leverage) ratio | 8.0307% | 4,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9864% | 2,894 |
| Memoranda: | ||
| Average total assets | $512,201,200,000 | 7 |
| Average earning assets | $446,099,600,000 | 7 |
| Average equity | $64,590,800,000 | 5 |
| Average total loans | $291,131,600,000 | 7 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9095% | 4,157 |
| Cost of funding earning assets | 0.1132% | 4,401 |
| Net interest margin | 2.7963% | 3,790 |
| Noninterest income to average assets | 1.4350% | 588 |
| Noninterest expense to average assets | 2.7365% | 1,490 |
| Loan and lease loss provision to assets | -0.2081% | 4,760 |
| Net operating income to assets | 1.0780% | 2,633 |
| Return on assets (ROA) | 1.0989% | 2,618 |
| Pretax return on assets | 1.3695% | 2,438 |
| Return on Equity (ROE) | 8.6579% | 3,212 |
| Retained earnings to average equity (ytd only) | 1.9391% | 4,203 |
| Net charge-offs to loans | 0.1675% | 508 |
| Credit loss provision to net charge-offs | -192.8962% | 3,380 |
| Earnings coverage of net charge-offs (x) | 11.8224% | 1,980 |
| Efficiency ratio | 67.8368% | 1,858 |
| Assets per employee ($millions) | 10.4709% | 560 |
| Cash dividends to net income (ytd only)* | 77.6027% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 2,216 |
| Loan loss allowance to noncurrent loans | 131.6111% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.5794% | 1,324 |
| Noncurrent loans to loans | 1.0269% | 1,111 |
| Net loans and leases to total assets | 54.6874% | 2,883 |
| Net loans and leases to deposits | 67.2768% | 2,513 |
| Net loans and leases to core deposits | 69.1667% | 2,667 |
| Total domestic deposits to total assets | 81.2871% | 4,051 |
| Equity capital to assets | 12.4722% | 1,186 |
| Core capital (leverage) ratio | 8.3613% | 4,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6083% | 2,827 |
| Memoranda: | ||
| Average total assets | $508,123,000,000 | 6 |
| Average earning assets | $442,810,750,000 | 6 |
| Average equity | $64,494,500,000 | 5 |
| Average total loans | $291,348,250,000 | 6 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9402% | 4,159 |
| Cost of funding earning assets | 0.1178% | 4,455 |
| Net interest margin | 2.8225% | 3,743 |
| Noninterest income to average assets | 1.4235% | 597 |
| Noninterest expense to average assets | 2.7591% | 1,445 |
| Loan and lease loss provision to assets | -0.1805% | 4,740 |
| Net operating income to assets | 1.0493% | 2,726 |
| Return on assets (ROA) | 1.0720% | 2,717 |
| Pretax return on assets | 1.3297% | 2,553 |
| Return on Equity (ROE) | 8.3959% | 3,283 |
| Retained earnings to average equity (ytd only) | 1.1099% | 4,320 |
| Net charge-offs to loans | 0.1884% | 452 |
| Credit loss provision to net charge-offs | -147.4638% | 3,130 |
| Earnings coverage of net charge-offs (x) | 10.2645% | 1,807 |
| Efficiency ratio | 68.2750% | 1,847 |
| Assets per employee ($millions) | 10.4391% | 534 |
| Cash dividends to net income (ytd only)* | 86.7799% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4940% | 1,607 |
| Loan loss allowance to noncurrent loans | 135.4531% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.6316% | 1,313 |
| Noncurrent loans to loans | 1.1030% | 1,097 |
| Net loans and leases to total assets | 55.0432% | 3,011 |
| Net loans and leases to deposits | 68.0614% | 2,613 |
| Net loans and leases to core deposits | 69.9866% | 2,784 |
| Total domestic deposits to total assets | 80.8728% | 4,107 |
| Equity capital to assets | 12.5990% | 1,089 |
| Core capital (leverage) ratio | 8.5169% | 3,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9887% | 2,725 |
| Memoranda: | ||
| Average total assets | $505,236,333,333 | 6 |
| Average earning assets | $439,827,666,667 | 6 |
| Average equity | $64,508,000,000 | 5 |
| Average total loans | $292,968,666,667 | 6 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9785% | 4,133 |
| Cost of funding earning assets | 0.1235% | 4,506 |
| Net interest margin | 2.8550% | 3,627 |
| Noninterest income to average assets | 1.4004% | 678 |
| Noninterest expense to average assets | 2.6115% | 1,856 |
| Loan and lease loss provision to assets | -0.0159% | 4,595 |
| Net operating income to assets | 1.0365% | 2,689 |
| Return on assets (ROA) | 1.0535% | 2,705 |
| Pretax return on assets | 1.3089% | 2,547 |
| Return on Equity (ROE) | 8.1961% | 3,269 |
| Retained earnings to average equity (ytd only) | 2.0057% | 4,003 |
| Net charge-offs to loans | 0.2304% | 370 |
| Credit loss provision to net charge-offs | -2.9240% | 2,682 |
| Earnings coverage of net charge-offs (x) | 9.3509% | 1,544 |
| Efficiency ratio | 64.3721% | 2,424 |
| Assets per employee ($millions) | 10.1732% | 564 |
| Cash dividends to net income (ytd only)* | 75.5287% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6276% | 1,223 |
| Loan loss allowance to noncurrent loans | 146.4494% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.6547% | 1,448 |
| Noncurrent loans to loans | 1.1114% | 1,206 |
| Net loans and leases to total assets | 56.8504% | 2,935 |
| Net loans and leases to deposits | 70.2156% | 2,485 |
| Net loans and leases to core deposits | 72.3587% | 2,667 |
| Total domestic deposits to total assets | 80.9655% | 4,068 |
| Equity capital to assets | 12.5774% | 1,054 |
| Core capital (leverage) ratio | 8.6977% | 3,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1762% | 2,597 |
| Memoranda: | ||
| Average total assets | $502,707,500,000 | 6 |
| Average earning assets | $437,273,500,000 | 6 |
| Average equity | $64,616,000,000 | 5 |
| Average total loans | $296,882,000,000 | 6 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4764% | 4,070 |
| Cost of funding earning assets | 0.3223% | 4,015 |
| Net interest margin | 3.1541% | 3,483 |
| Noninterest income to average assets | 1.4167% | 592 |
| Noninterest expense to average assets | 2.7791% | 2,001 |
| Loan and lease loss provision to assets | 0.4218% | 706 |
| Net operating income to assets | 0.7745% | 3,189 |
| Return on assets (ROA) | 0.8468% | 3,047 |
| Pretax return on assets | 1.0327% | 2,936 |
| Return on Equity (ROE) | 6.3826% | 3,452 |
| Retained earnings to average equity (ytd only) | 2.0533% | 3,805 |
| Net charge-offs to loans | 0.2887% | 596 |
| Credit loss provision to net charge-offs | 229.9776% | 2,018 |
| Earnings coverage of net charge-offs (x) | 7.4474% | 2,696 |
| Efficiency ratio | 63.7021% | 2,866 |
| Assets per employee ($millions) | 9.9320% | 547 |
| Cash dividends to net income (ytd only)* | 67.8295% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6408% | 1,191 |
| Loan loss allowance to noncurrent loans | 150.4721% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.6714% | 1,557 |
| Noncurrent loans to loans | 1.0904% | 1,298 |
| Net loans and leases to total assets | 59.3511% | 2,942 |
| Net loans and leases to deposits | 74.8214% | 2,395 |
| Net loans and leases to core deposits | 77.4876% | 2,596 |
| Total domestic deposits to total assets | 79.3237% | 4,161 |
| Equity capital to assets | 13.1339% | 1,049 |
| Core capital (leverage) ratio | 8.7007% | 4,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0007% | 2,624 |
| Memoranda: | ||
| Average total assets | $487,458,800,000 | 6 |
| Average earning assets | $421,648,000,000 | 6 |
| Average equity | $64,675,800,000 | 5 |
| Average total loans | $309,627,800,000 | 6 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5919% | 4,026 |
| Cost of funding earning assets | 0.3824% | 3,906 |
| Net interest margin | 3.2095% | 3,462 |
| Noninterest income to average assets | 1.4065% | 568 |
| Noninterest expense to average assets | 2.7586% | 2,097 |
| Loan and lease loss provision to assets | 0.5329% | 527 |
| Net operating income to assets | 0.7313% | 3,350 |
| Return on assets (ROA) | 0.8216% | 3,134 |
| Pretax return on assets | 0.9990% | 3,073 |
| Return on Equity (ROE) | 6.1761% | 3,489 |
| Retained earnings to average equity (ytd only) | 1.8326% | 3,990 |
| Net charge-offs to loans | 0.3160% | 502 |
| Credit loss provision to net charge-offs | 262.1110% | 1,884 |
| Earnings coverage of net charge-offs (x) | 6.9905% | 2,610 |
| Efficiency ratio | 62.6843% | 2,957 |
| Assets per employee ($millions) | 9.4812% | 604 |
| Cash dividends to net income (ytd only)* | 70.3282% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6167% | 1,052 |
| Loan loss allowance to noncurrent loans | 208.2077% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.4965% | 2,219 |
| Noncurrent loans to loans | 0.7765% | 1,874 |
| Net loans and leases to total assets | 62.0012% | 3,012 |
| Net loans and leases to deposits | 78.4986% | 2,479 |
| Net loans and leases to core deposits | 81.5472% | 2,695 |
| Total domestic deposits to total assets | 78.9839% | 4,062 |
| Equity capital to assets | 13.2528% | 1,080 |
| Core capital (leverage) ratio | 8.7402% | 4,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0647% | 2,590 |
| Memoranda: | ||
| Average total assets | $484,587,500,000 | 6 |
| Average earning assets | $418,749,750,000 | 6 |
| Average equity | $64,462,000,000 | 5 |
| Average total loans | $311,767,500,000 | 6 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7746% | 3,935 |
| Cost of funding earning assets | 0.4850% | 3,628 |
| Net interest margin | 3.2896% | 3,410 |
| Noninterest income to average assets | 1.4248% | 519 |
| Noninterest expense to average assets | 2.7610% | 2,182 |
| Loan and lease loss provision to assets | 0.6156% | 513 |
| Net operating income to assets | 0.7314% | 3,275 |
| Return on assets (ROA) | 0.8195% | 3,093 |
| Pretax return on assets | 0.9920% | 3,058 |
| Return on Equity (ROE) | 6.1531% | 3,455 |
| Retained earnings to average equity (ytd only) | 1.8046% | 3,832 |
| Net charge-offs to loans | 0.2861% | 557 |
| Credit loss provision to net charge-offs | 332.1429% | 1,551 |
| Earnings coverage of net charge-offs (x) | 8.0982% | 2,319 |
| Efficiency ratio | 61.5220% | 3,199 |
| Assets per employee ($millions) | 9.4781% | 589 |
| Cash dividends to net income (ytd only)* | 70.6714% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5203% | 1,207 |
| Loan loss allowance to noncurrent loans | 218.8267% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.4563% | 2,493 |
| Noncurrent loans to loans | 0.6947% | 2,136 |
| Net loans and leases to total assets | 63.0985% | 2,992 |
| Net loans and leases to deposits | 79.6752% | 2,466 |
| Net loans and leases to core deposits | 83.1212% | 2,679 |
| Total domestic deposits to total assets | 79.1947% | 4,005 |
| Equity capital to assets | 13.0885% | 1,131 |
| Core capital (leverage) ratio | 8.3701% | 4,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7149% | 2,726 |
| Memoranda: | ||
| Average total assets | $483,444,666,667 | 6 |
| Average earning assets | $416,945,333,333 | 6 |
| Average equity | $64,390,666,667 | 5 |
| Average total loans | $313,174,000,000 | 6 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0782% | 3,580 |
| Cost of funding earning assets | 0.6330% | 3,252 |
| Net interest margin | 3.4452% | 3,163 |
| Noninterest income to average assets | 1.4271% | 440 |
| Noninterest expense to average assets | 2.5932% | 2,999 |
| Loan and lease loss provision to assets | 0.6190% | 442 |
| Net operating income to assets | 0.9731% | 2,270 |
| Return on assets (ROA) | 0.9469% | 2,459 |
| Pretax return on assets | 1.1477% | 2,367 |
| Return on Equity (ROE) | 7.0466% | 2,927 |
| Retained earnings to average equity (ytd only) | 2.6892% | 3,200 |
| Net charge-offs to loans | 0.2401% | 595 |
| Credit loss provision to net charge-offs | 395.7219% | 1,017 |
| Earnings coverage of net charge-offs (x) | 11.4920% | 1,730 |
| Efficiency ratio | 55.9916% | 4,209 |
| Assets per employee ($millions) | 9.3772% | 464 |
| Cash dividends to net income (ytd only)* | 61.8375% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 1,896 |
| Loan loss allowance to noncurrent loans | 157.8736% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.5694% | 2,291 |
| Noncurrent loans to loans | 0.8570% | 1,900 |
| Net loans and leases to total assets | 63.6343% | 3,108 |
| Net loans and leases to deposits | 86.8285% | 1,897 |
| Net loans and leases to core deposits | 92.5377% | 2,108 |
| Total domestic deposits to total assets | 73.2873% | 4,702 |
| Equity capital to assets | 13.0248% | 1,417 |
| Core capital (leverage) ratio | 8.9594% | 4,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2383% | 3,027 |
| Memoranda: | ||
| Average total assets | $478,167,500,000 | 6 |
| Average earning assets | $411,354,500,000 | 6 |
| Average equity | $64,257,500,000 | 5 |
| Average total loans | $311,502,000,000 | 6 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6670% | 4,717 |
| Cost of funding earning assets | 0.7121% | 3,105 |
| Net interest margin | 2.9549% | 4,568 |
| Noninterest income to average assets | 1.7689% | 313 |
| Noninterest expense to average assets | 2.6125% | 3,144 |
| Loan and lease loss provision to assets | 0.1208% | 1,756 |
| Net operating income to assets | 1.2845% | 1,752 |
| Return on assets (ROA) | 1.2516% | 1,952 |
| Pretax return on assets | 1.5490% | 1,658 |
| Return on Equity (ROE) | 9.3880% | 2,573 |
| Retained earnings to average equity (ytd only) | 4.8146% | 2,527 |
| Net charge-offs to loans | 0.1896% | 1,071 |
| Credit loss provision to net charge-offs | 97.3214% | 2,547 |
| Earnings coverage of net charge-offs (x) | 13.7679% | 2,329 |
| Efficiency ratio | 59.0800% | 3,829 |
| Assets per employee ($millions) | 8.6329% | 568 |
| Cash dividends to net income (ytd only)* | 48.7157% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4206% | 4,973 |
| Loan loss allowance to noncurrent loans | 51.5335% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 0.5576% | 2,218 |
| Noncurrent loans to loans | 0.8161% | 1,874 |
| Net loans and leases to total assets | 65.5528% | 3,012 |
| Net loans and leases to deposits | 87.0223% | 1,968 |
| Net loans and leases to core deposits | 92.0036% | 2,235 |
| Total domestic deposits to total assets | 75.3287% | 4,671 |
| Equity capital to assets | 13.8821% | 1,145 |
| Core capital (leverage) ratio | 14.4538% | 813 |
| Tier 1 risk-based capital ratio | 10.5645% | 5,004 |
| Total risk-based capital ratio | 11.9949% | 4,856 |
| Memoranda: | ||
| Average total assets | $270,618,400,000 | 10 |
| Average earning assets | $233,817,800,000 | 10 |
| Average equity | $36,078,000,000 | 9 |
| Average total loans | $177,180,200,000 | 7 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1261% | 4,098 |
| Cost of funding earning assets | 0.8214% | 2,610 |
| Net interest margin | 3.3048% | 4,084 |
| Noninterest income to average assets | 2.0775% | 247 |
| Noninterest expense to average assets | 2.8620% | 2,369 |
| Loan and lease loss provision to assets | 0.1459% | 1,308 |
| Net operating income to assets | 1.5516% | 1,057 |
| Return on assets (ROA) | 1.5482% | 1,121 |
| Pretax return on assets | 1.9321% | 801 |
| Return on Equity (ROE) | 11.8665% | 1,666 |
| Retained earnings to average equity (ytd only) | 6.1372% | 2,310 |
| Net charge-offs to loans | 0.2098% | 841 |
| Credit loss provision to net charge-offs | 106.5502% | 2,141 |
| Earnings coverage of net charge-offs (x) | 15.1965% | 2,203 |
| Efficiency ratio | 56.8110% | 4,084 |
| Assets per employee ($millions) | 7.1183% | 982 |
| Cash dividends to net income (ytd only)* | 48.2812% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8966% | 4,057 |
| Loan loss allowance to noncurrent loans | 167.2237% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.3584% | 3,067 |
| Noncurrent loans to loans | 0.5362% | 2,680 |
| Net loans and leases to total assets | 62.5527% | 3,436 |
| Net loans and leases to deposits | 83.0192% | 2,564 |
| Net loans and leases to core deposits | 86.8143% | 2,836 |
| Total domestic deposits to total assets | 74.9515% | 4,752 |
| Equity capital to assets | 13.1026% | 1,566 |
| Core capital (leverage) ratio | 9.7321% | 3,930 |
| Tier 1 risk-based capital ratio | 11.6182% | 4,610 |
| Total risk-based capital ratio | 13.9507% | 3,899 |
| Memoranda: | ||
| Average total assets | $222,959,000,000 | 11 |
| Average earning assets | $193,331,500,000 | 12 |
| Average equity | $29,089,500,000 | 9 |
| Average total loans | $145,564,500,000 | 10 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1586% | 4,025 |
| Cost of funding earning assets | 0.8190% | 2,558 |
| Net interest margin | 3.3397% | 4,046 |
| Noninterest income to average assets | 2.1083% | 245 |
| Noninterest expense to average assets | 2.8498% | 2,416 |
| Loan and lease loss provision to assets | 0.1713% | 1,064 |
| Net operating income to assets | 1.5944% | 922 |
| Return on assets (ROA) | 1.5790% | 990 |
| Pretax return on assets | 1.9633% | 733 |
| Return on Equity (ROE) | 12.1201% | 1,531 |
| Retained earnings to average equity (ytd only) | 6.2062% | 2,187 |
| Net charge-offs to loans | 0.2086% | 794 |
| Credit loss provision to net charge-offs | 124.3421% | 1,700 |
| Earnings coverage of net charge-offs (x) | 15.6250% | 1,975 |
| Efficiency ratio | 55.8434% | 4,264 |
| Assets per employee ($millions) | 6.9009% | 1,050 |
| Cash dividends to net income (ytd only)* | 48.7945% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8927% | 4,124 |
| Loan loss allowance to noncurrent loans | 165.1685% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.3873% | 2,947 |
| Noncurrent loans to loans | 0.5405% | 2,653 |
| Net loans and leases to total assets | 65.8423% | 3,132 |
| Net loans and leases to deposits | 87.2156% | 2,100 |
| Net loans and leases to core deposits | 89.9479% | 2,607 |
| Total domestic deposits to total assets | 75.4938% | 4,726 |
| Equity capital to assets | 13.2429% | 1,474 |
| Core capital (leverage) ratio | 9.6547% | 3,974 |
| Tier 1 risk-based capital ratio | 11.3196% | 4,782 |
| Total risk-based capital ratio | 13.2560% | 4,301 |
| Memoranda: | ||
| Average total assets | $220,650,000,000 | 12 |
| Average earning assets | $191,216,000,000 | 12 |
| Average equity | $28,745,666,670 | 9 |
| Average total loans | $145,719,000,000 | 10 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1564% | 3,985 |
| Cost of funding earning assets | 0.7905% | 2,589 |
| Net interest margin | 3.3659% | 3,991 |
| Noninterest income to average assets | 1.9961% | 249 |
| Noninterest expense to average assets | 2.8510% | 2,413 |
| Loan and lease loss provision to assets | 0.1349% | 1,288 |
| Net operating income to assets | 1.5768% | 941 |
| Return on assets (ROA) | 1.5513% | 1,033 |
| Pretax return on assets | 1.8994% | 800 |
| Return on Equity (ROE) | 12.0083% | 1,525 |
| Retained earnings to average equity (ytd only) | 5.3057% | 2,774 |
| Net charge-offs to loans | 0.1966% | 711 |
| Credit loss provision to net charge-offs | 104.2254% | 1,536 |
| Earnings coverage of net charge-offs (x) | 15.9437% | 1,721 |
| Efficiency ratio | 56.8620% | 4,228 |
| Assets per employee ($millions) | 6.6847% | 1,152 |
| Cash dividends to net income (ytd only)* | 55.8167% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8926% | 4,189 |
| Loan loss allowance to noncurrent loans | 145.6497% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.4268% | 2,879 |
| Noncurrent loans to loans | 0.6129% | 2,501 |
| Net loans and leases to total assets | 65.1135% | 3,160 |
| Net loans and leases to deposits | 85.0296% | 2,250 |
| Net loans and leases to core deposits | 87.8092% | 2,708 |
| Total domestic deposits to total assets | 76.5775% | 4,699 |
| Equity capital to assets | 13.0486% | 1,427 |
| Core capital (leverage) ratio | 9.4903% | 4,143 |
| Tier 1 risk-based capital ratio | 11.2721% | 4,854 |
| Total risk-based capital ratio | 13.2386% | 4,355 |
| Memoranda: | ||
| Average total assets | $219,432,000,000 | 12 |
| Average earning assets | $190,263,000,000 | 12 |
| Average equity | $28,347,000,000 | 10 |
| Average total loans | $144,474,500,000 | 10 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9322% | 4,207 |
| Cost of funding earning assets | 0.6011% | 2,710 |
| Net interest margin | 3.3311% | 4,176 |
| Noninterest income to average assets | 2.0170% | 268 |
| Noninterest expense to average assets | 2.8958% | 2,364 |
| Loan and lease loss provision to assets | 0.1450% | 1,479 |
| Net operating income to assets | 1.5018% | 1,117 |
| Return on assets (ROA) | 1.4929% | 1,125 |
| Pretax return on assets | 1.8591% | 796 |
| Return on Equity (ROE) | 11.5764% | 1,874 |
| Retained earnings to average equity (ytd only) | 1.4609% | 4,550 |
| Net charge-offs to loans | 0.1732% | 1,116 |
| Credit loss provision to net charge-offs | 127.6423% | 2,066 |
| Earnings coverage of net charge-offs (x) | 17.7195% | 2,173 |
| Efficiency ratio | 57.7987% | 4,182 |
| Assets per employee ($millions) | 6.5588% | 1,190 |
| Cash dividends to net income (ytd only)* | 87.3801% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8897% | 4,209 |
| Loan loss allowance to noncurrent loans | 141.3187% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.4373% | 2,814 |
| Noncurrent loans to loans | 0.6296% | 2,406 |
| Net loans and leases to total assets | 65.3939% | 3,211 |
| Net loans and leases to deposits | 85.0005% | 2,404 |
| Net loans and leases to core deposits | 88.8726% | 2,667 |
| Total domestic deposits to total assets | 76.9335% | 4,640 |
| Equity capital to assets | 12.7876% | 1,446 |
| Core capital (leverage) ratio | 9.3436% | 4,307 |
| Tier 1 risk-based capital ratio | 11.1838% | 4,871 |
| Total risk-based capital ratio | 13.1707% | 4,367 |
| Memoranda: | ||
| Average total assets | $216,557,600,000 | 11 |
| Average earning assets | $187,987,600,000 | 12 |
| Average equity | $27,927,400,000 | 10 |
| Average total loans | $142,002,200,000 | 10 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8751% | 4,268 |
| Cost of funding earning assets | 0.5597% | 2,794 |
| Net interest margin | 3.3154% | 4,244 |
| Noninterest income to average assets | 2.0136% | 272 |
| Noninterest expense to average assets | 2.8867% | 2,345 |
| Loan and lease loss provision to assets | 0.1408% | 1,418 |
| Net operating income to assets | 1.5013% | 1,186 |
| Return on assets (ROA) | 1.5029% | 1,179 |
| Pretax return on assets | 1.8685% | 862 |
| Return on Equity (ROE) | 11.6293% | 1,943 |
| Retained earnings to average equity (ytd only) | 2.7903% | 4,319 |
| Net charge-offs to loans | 0.1698% | 975 |
| Credit loss provision to net charge-offs | 126.6667% | 1,930 |
| Earnings coverage of net charge-offs (x) | 18.0444% | 2,075 |
| Efficiency ratio | 57.8064% | 4,153 |
| Assets per employee ($millions) | 6.3943% | 1,237 |
| Cash dividends to net income (ytd only)* | 76.0066% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8880% | 4,310 |
| Loan loss allowance to noncurrent loans | 140.1993% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.4483% | 2,892 |
| Noncurrent loans to loans | 0.6334% | 2,498 |
| Net loans and leases to total assets | 65.3772% | 3,264 |
| Net loans and leases to deposits | 87.7939% | 2,177 |
| Net loans and leases to core deposits | 89.2902% | 2,723 |
| Total domestic deposits to total assets | 74.4666% | 4,940 |
| Equity capital to assets | 12.9862% | 1,349 |
| Core capital (leverage) ratio | 9.4839% | 4,195 |
| Tier 1 risk-based capital ratio | 11.3616% | 4,867 |
| Total risk-based capital ratio | 13.3615% | 4,332 |
| Memoranda: | ||
| Average total assets | $215,929,250,000 | 11 |
| Average earning assets | $187,484,000,000 | 12 |
| Average equity | $27,905,750,000 | 10 |
| Average total loans | $141,366,500,000 | 10 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8049% | 4,338 |
| Cost of funding earning assets | 0.5218% | 2,823 |
| Net interest margin | 3.2831% | 4,298 |
| Noninterest income to average assets | 2.0142% | 271 |
| Noninterest expense to average assets | 2.8574% | 2,475 |
| Loan and lease loss provision to assets | 0.1473% | 1,291 |
| Net operating income to assets | 1.5014% | 1,164 |
| Return on assets (ROA) | 1.4898% | 1,183 |
| Pretax return on assets | 1.8475% | 878 |
| Return on Equity (ROE) | 11.5467% | 1,890 |
| Retained earnings to average equity (ytd only) | 2.5707% | 4,232 |
| Net charge-offs to loans | 0.1688% | 922 |
| Credit loss provision to net charge-offs | 133.6134% | 1,691 |
| Earnings coverage of net charge-offs (x) | 18.2101% | 1,912 |
| Efficiency ratio | 57.5509% | 4,300 |
| Assets per employee ($millions) | 6.4847% | 1,181 |
| Cash dividends to net income (ytd only)* | 77.7363% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8798% | 4,422 |
| Loan loss allowance to noncurrent loans | 134.9785% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.4596% | 2,895 |
| Noncurrent loans to loans | 0.6518% | 2,480 |
| Net loans and leases to total assets | 65.4668% | 3,215 |
| Net loans and leases to deposits | 85.0169% | 2,430 |
| Net loans and leases to core deposits | 87.7051% | 2,748 |
| Total domestic deposits to total assets | 77.0045% | 4,735 |
| Equity capital to assets | 12.9105% | 1,338 |
| Core capital (leverage) ratio | 9.5466% | 4,070 |
| Tier 1 risk-based capital ratio | 11.3626% | 4,862 |
| Total risk-based capital ratio | 13.3494% | 4,316 |
| Memoranda: | ||
| Average total assets | $215,862,666,670 | 11 |
| Average earning assets | $187,442,333,330 | 12 |
| Average equity | $27,852,000,000 | 10 |
| Average total loans | $140,967,000,000 | 10 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7404% | 4,380 |
| Cost of funding earning assets | 0.4833% | 2,924 |
| Net interest margin | 3.2571% | 4,296 |
| Noninterest income to average assets | 1.9912% | 275 |
| Noninterest expense to average assets | 2.8338% | 2,591 |
| Loan and lease loss provision to assets | 0.1392% | 1,356 |
| Net operating income to assets | 1.4933% | 1,096 |
| Return on assets (ROA) | 1.4772% | 1,131 |
| Pretax return on assets | 1.8261% | 865 |
| Return on Equity (ROE) | 11.4522% | 1,788 |
| Retained earnings to average equity (ytd only) | 2.8199% | 4,063 |
| Net charge-offs to loans | 0.1915% | 770 |
| Credit loss provision to net charge-offs | 111.9403% | 1,440 |
| Earnings coverage of net charge-offs (x) | 15.9552% | 1,646 |
| Efficiency ratio | 57.5886% | 4,402 |
| Assets per employee ($millions) | 6.4177% | 1,247 |
| Cash dividends to net income (ytd only)* | 75.3769% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8781% | 4,541 |
| Loan loss allowance to noncurrent loans | 119.6098% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.5051% | 2,844 |
| Noncurrent loans to loans | 0.7341% | 2,373 |
| Net loans and leases to total assets | 64.3685% | 3,262 |
| Net loans and leases to deposits | 83.8996% | 2,397 |
| Net loans and leases to core deposits | 86.3516% | 2,772 |
| Total domestic deposits to total assets | 76.7208% | 4,895 |
| Equity capital to assets | 12.9328% | 1,282 |
| Core capital (leverage) ratio | 9.4289% | 4,147 |
| Tier 1 risk-based capital ratio | 11.4050% | 4,918 |
| Total risk-based capital ratio | 13.4071% | 4,355 |
| Memoranda: | ||
| Average total assets | $215,544,500,000 | 11 |
| Average earning assets | $187,038,500,000 | 12 |
| Average equity | $27,802,500,000 | 10 |
| Average total loans | $139,954,000,000 | 10 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6041% | 4,567 |
| Cost of funding earning assets | 0.3406% | 3,795 |
| Net interest margin | 3.2635% | 4,278 |
| Noninterest income to average assets | 2.0653% | 285 |
| Noninterest expense to average assets | 3.2447% | 1,519 |
| Loan and lease loss provision to assets | 0.1028% | 2,170 |
| Net operating income to assets | 1.1286% | 1,759 |
| Return on assets (ROA) | 1.1185% | 1,825 |
| Pretax return on assets | 1.5324% | 1,516 |
| Return on Equity (ROE) | 8.4680% | 2,567 |
| Retained earnings to average equity (ytd only) | 1.6020% | 4,348 |
| Net charge-offs to loans | 0.1751% | 1,419 |
| Credit loss provision to net charge-offs | 89.8374% | 2,786 |
| Earnings coverage of net charge-offs (x) | 14.3821% | 2,328 |
| Efficiency ratio | 65.0214% | 3,441 |
| Assets per employee ($millions) | 6.2539% | 1,346 |
| Cash dividends to net income (ytd only)* | 81.0811% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8683% | 4,600 |
| Loan loss allowance to noncurrent loans | 115.6695% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.5137% | 2,843 |
| Noncurrent loans to loans | 0.7506% | 2,326 |
| Net loans and leases to total assets | 64.3585% | 3,326 |
| Net loans and leases to deposits | 84.8241% | 2,396 |
| Net loans and leases to core deposits | 87.0085% | 2,823 |
| Total domestic deposits to total assets | 75.8730% | 4,988 |
| Equity capital to assets | 12.8649% | 1,329 |
| Core capital (leverage) ratio | 9.3709% | 4,199 |
| Tier 1 risk-based capital ratio | 11.3084% | 4,975 |
| Total risk-based capital ratio | 13.3024% | 4,379 |
| Memoranda: | ||
| Average total assets | $215,025,381,200 | 11 |
| Average earning assets | $186,120,104,200 | 11 |
| Average equity | $28,401,130,000 | 10 |
| Average total loans | $140,505,823,200 | 9 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5754% | 4,619 |
| Cost of funding earning assets | 0.3149% | 3,988 |
| Net interest margin | 3.2605% | 4,296 |
| Noninterest income to average assets | 2.0574% | 296 |
| Noninterest expense to average assets | 3.2606% | 1,435 |
| Loan and lease loss provision to assets | 0.0968% | 2,167 |
| Net operating income to assets | 1.0895% | 2,134 |
| Return on assets (ROA) | 1.0821% | 2,226 |
| Pretax return on assets | 1.5142% | 1,722 |
| Return on Equity (ROE) | 8.1394% | 3,056 |
| Retained earnings to average equity (ytd only) | 2.0687% | 4,613 |
| Net charge-offs to loans | 0.1831% | 1,155 |
| Credit loss provision to net charge-offs | 80.8290% | 2,571 |
| Earnings coverage of net charge-offs (x) | 13.5078% | 2,345 |
| Efficiency ratio | 65.4663% | 3,295 |
| Assets per employee ($millions) | 6.0872% | 1,432 |
| Cash dividends to net income (ytd only)* | 74.5841% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8621% | 4,715 |
| Loan loss allowance to noncurrent loans | 115.2964% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.5182% | 2,982 |
| Noncurrent loans to loans | 0.7477% | 2,493 |
| Net loans and leases to total assets | 64.5698% | 3,315 |
| Net loans and leases to deposits | 85.6311% | 2,349 |
| Net loans and leases to core deposits | 88.5978% | 2,719 |
| Total domestic deposits to total assets | 75.4046% | 5,086 |
| Equity capital to assets | 13.0115% | 1,389 |
| Core capital (leverage) ratio | 9.3469% | 4,350 |
| Tier 1 risk-based capital ratio | 11.2651% | 5,100 |
| Total risk-based capital ratio | 13.2675% | 4,495 |
| Memoranda: | ||
| Average total assets | $214,762,476,500 | 11 |
| Average earning assets | $185,858,380,250 | 10 |
| Average equity | $28,551,912,500 | 10 |
| Average total loans | $140,561,779,000 | 9 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5246% | 4,701 |
| Cost of funding earning assets | 0.2798% | 4,290 |
| Net interest margin | 3.2448% | 4,277 |
| Noninterest income to average assets | 2.0814% | 297 |
| Noninterest expense to average assets | 3.3685% | 1,233 |
| Loan and lease loss provision to assets | 0.1024% | 1,975 |
| Net operating income to assets | 1.0356% | 2,271 |
| Return on assets (ROA) | 1.0319% | 2,325 |
| Pretax return on assets | 1.4146% | 1,952 |
| Return on Equity (ROE) | 7.7068% | 3,191 |
| Retained earnings to average equity (ytd only) | 3.1857% | 3,819 |
| Net charge-offs to loans | 0.1989% | 1,013 |
| Credit loss provision to net charge-offs | 78.5714% | 2,280 |
| Earnings coverage of net charge-offs (x) | 11.6643% | 2,257 |
| Efficiency ratio | 67.5048% | 3,094 |
| Assets per employee ($millions) | 6.0635% | 1,407 |
| Cash dividends to net income (ytd only)* | 58.6643% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8597% | 4,789 |
| Loan loss allowance to noncurrent loans | 115.4139% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.5189% | 3,036 |
| Noncurrent loans to loans | 0.7449% | 2,536 |
| Net loans and leases to total assets | 64.9790% | 3,256 |
| Net loans and leases to deposits | 85.7689% | 2,247 |
| Net loans and leases to core deposits | 88.3022% | 2,675 |
| Total domestic deposits to total assets | 75.7607% | 5,120 |
| Equity capital to assets | 13.4661% | 1,159 |
| Core capital (leverage) ratio | 9.8358% | 3,737 |
| Tier 1 risk-based capital ratio | 11.7757% | 4,781 |
| Total risk-based capital ratio | 13.7615% | 4,195 |
| Memoranda: | ||
| Average total assets | $214,756,635,330 | 11 |
| Average earning assets | $185,838,173,670 | 11 |
| Average equity | $28,753,883,330 | 10 |
| Average total loans | $140,786,038,670 | 9 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4812% | 4,742 |
| Cost of funding earning assets | 0.2613% | 4,442 |
| Net interest margin | 3.2198% | 4,279 |
| Noninterest income to average assets | 2.0667% | 301 |
| Noninterest expense to average assets | 3.7165% | 760 |
| Loan and lease loss provision to assets | 0.1099% | 1,743 |
| Net operating income to assets | 0.8207% | 3,121 |
| Return on assets (ROA) | 0.8134% | 3,220 |
| Pretax return on assets | 1.0214% | 3,283 |
| Return on Equity (ROE) | 6.0925% | 3,867 |
| Retained earnings to average equity (ytd only) | 6.0925% | 2,283 |
| Net charge-offs to loans | 0.2001% | 861 |
| Credit loss provision to net charge-offs | 83.7634% | 1,730 |
| Earnings coverage of net charge-offs (x) | 8.6803% | 2,040 |
| Efficiency ratio | 75.1141% | 2,049 |
| Assets per employee ($millions) | 6.0391% | 1,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8801% | 4,831 |
| Loan loss allowance to noncurrent loans | 102.0630% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 0.5967% | 2,858 |
| Noncurrent loans to loans | 0.8623% | 2,308 |
| Net loans and leases to total assets | 64.6350% | 3,175 |
| Net loans and leases to deposits | 82.7476% | 2,426 |
| Net loans and leases to core deposits | 84.6492% | 2,838 |
| Total domestic deposits to total assets | 78.1110% | 4,954 |
| Equity capital to assets | 13.4565% | 1,083 |
| Core capital (leverage) ratio | 9.7969% | 3,760 |
| Tier 1 risk-based capital ratio | 11.8425% | 4,818 |
| Total risk-based capital ratio | 13.8565% | 4,228 |
| Memoranda: | ||
| Average total assets | $214,497,953,000 | 11 |
| Average earning assets | $185,757,260,500 | 11 |
| Average equity | $28,636,325,000 | 10 |
| Average total loans | $140,631,058,000 | 9 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4981% | 4,790 |
| Cost of funding earning assets | 0.3179% | 3,866 |
| Net interest margin | 3.1802% | 4,502 |
| Noninterest income to average assets | 1.9179% | 360 |
| Noninterest expense to average assets | 2.9543% | 2,483 |
| Loan and lease loss provision to assets | 0.1337% | 1,865 |
| Net operating income to assets | 1.1137% | 1,845 |
| Return on assets (ROA) | 1.1208% | 1,902 |
| Pretax return on assets | 1.5986% | 1,288 |
| Return on Equity (ROE) | 8.6695% | 2,582 |
| Retained earnings to average equity (ytd only) | 3.7486% | 3,251 |
| Net charge-offs to loans | 0.2019% | 1,374 |
| Credit loss provision to net charge-offs | 101.7404% | 2,527 |
| Earnings coverage of net charge-offs (x) | 13.0772% | 2,399 |
| Efficiency ratio | 61.7256% | 4,303 |
| Assets per employee ($millions) | 6.0183% | 1,473 |
| Cash dividends to net income (ytd only)* | 56.7615% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8792% | 4,860 |
| Loan loss allowance to noncurrent loans | 94.9528% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 0.6445% | 2,794 |
| Noncurrent loans to loans | 0.9260% | 2,243 |
| Net loans and leases to total assets | 65.3376% | 3,171 |
| Net loans and leases to deposits | 83.5706% | 2,469 |
| Net loans and leases to core deposits | 85.9102% | 2,859 |
| Total domestic deposits to total assets | 78.1825% | 4,947 |
| Equity capital to assets | 13.2442% | 1,157 |
| Core capital (leverage) ratio | 9.6197% | 3,941 |
| Tier 1 risk-based capital ratio | 11.5484% | 5,023 |
| Total risk-based capital ratio | 13.5569% | 4,387 |
| Memoranda: | ||
| Average total assets | $212,194,144,200 | 11 |
| Average earning assets | $183,834,004,400 | 11 |
| Average equity | $27,433,858,400 | 10 |
| Average total loans | $138,156,369,000 | 9 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5239% | 4,744 |
| Cost of funding earning assets | 0.3249% | 3,818 |
| Net interest margin | 3.1989% | 4,493 |
| Noninterest income to average assets | 1.8908% | 376 |
| Noninterest expense to average assets | 2.9654% | 2,413 |
| Loan and lease loss provision to assets | 0.1460% | 1,606 |
| Net operating income to assets | 1.0940% | 2,026 |
| Return on assets (ROA) | 1.1081% | 2,065 |
| Pretax return on assets | 1.5731% | 1,454 |
| Return on Equity (ROE) | 8.6245% | 2,701 |
| Retained earnings to average equity (ytd only) | 4.2116% | 3,328 |
| Net charge-offs to loans | 0.1947% | 1,206 |
| Credit loss provision to net charge-offs | 115.4781% | 2,150 |
| Earnings coverage of net charge-offs (x) | 13.4244% | 2,311 |
| Efficiency ratio | 62.1124% | 4,211 |
| Assets per employee ($millions) | 6.0834% | 1,369 |
| Cash dividends to net income (ytd only)* | 51.1672% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8974% | 4,881 |
| Loan loss allowance to noncurrent loans | 96.0755% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 0.6474% | 2,959 |
| Noncurrent loans to loans | 0.9340% | 2,377 |
| Net loans and leases to total assets | 64.4709% | 3,334 |
| Net loans and leases to deposits | 83.6832% | 2,526 |
| Net loans and leases to core deposits | 86.8908% | 2,862 |
| Total domestic deposits to total assets | 77.0416% | 5,079 |
| Equity capital to assets | 13.1598% | 1,408 |
| Core capital (leverage) ratio | 9.4650% | 4,226 |
| Tier 1 risk-based capital ratio | 11.4196% | 5,141 |
| Total risk-based capital ratio | 13.4396% | 4,574 |
| Memoranda: | ||
| Average total assets | $211,634,421,500 | 11 |
| Average earning assets | $183,347,188,000 | 12 |
| Average equity | $27,192,316,750 | 10 |
| Average total loans | $137,358,438,750 | 9 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5354% | 4,780 |
| Cost of funding earning assets | 0.3332% | 3,762 |
| Net interest margin | 3.2022% | 4,533 |
| Noninterest income to average assets | 1.8364% | 393 |
| Noninterest expense to average assets | 2.9594% | 2,487 |
| Loan and lease loss provision to assets | 0.1614% | 1,405 |
| Net operating income to assets | 1.0498% | 2,174 |
| Return on assets (ROA) | 1.0719% | 2,200 |
| Pretax return on assets | 1.5241% | 1,603 |
| Return on Equity (ROE) | 8.4128% | 2,790 |
| Retained earnings to average equity (ytd only) | 5.0447% | 2,706 |
| Net charge-offs to loans | 0.1984% | 1,154 |
| Credit loss provision to net charge-offs | 125.4435% | 1,800 |
| Earnings coverage of net charge-offs (x) | 12.8268% | 2,162 |
| Efficiency ratio | 62.6841% | 4,237 |
| Assets per employee ($millions) | 6.0752% | 1,351 |
| Cash dividends to net income (ytd only)* | 40.0359% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9014% | 4,952 |
| Loan loss allowance to noncurrent loans | 93.8328% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 0.6599% | 3,026 |
| Noncurrent loans to loans | 0.9607% | 2,359 |
| Net loans and leases to total assets | 64.4093% | 3,306 |
| Net loans and leases to deposits | 83.7573% | 2,494 |
| Net loans and leases to core deposits | 86.7274% | 2,837 |
| Total domestic deposits to total assets | 76.9000% | 5,174 |
| Equity capital to assets | 13.0234% | 1,487 |
| Core capital (leverage) ratio | 9.3030% | 4,456 |
| Tier 1 risk-based capital ratio | 11.3254% | 5,264 |
| Total risk-based capital ratio | 13.3444% | 4,690 |
| Memoranda: | ||
| Average total assets | $209,719,877,670 | 11 |
| Average earning assets | $181,650,230,670 | 11 |
| Average equity | $26,720,904,670 | 10 |
| Average total loans | $136,006,357,330 | 9 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5004% | 4,889 |
| Cost of funding earning assets | 0.3420% | 3,690 |
| Net interest margin | 3.1584% | 4,707 |
| Noninterest income to average assets | 1.7177% | 420 |
| Noninterest expense to average assets | 2.7869% | 3,124 |
| Loan and lease loss provision to assets | 0.2169% | 891 |
| Net operating income to assets | 1.0260% | 2,177 |
| Return on assets (ROA) | 1.0764% | 2,101 |
| Pretax return on assets | 1.5294% | 1,508 |
| Return on Equity (ROE) | 8.5483% | 2,636 |
| Retained earnings to average equity (ytd only) | 1.6094% | 4,629 |
| Net charge-offs to loans | 0.2661% | 786 |
| Credit loss provision to net charge-offs | 125.8169% | 1,386 |
| Earnings coverage of net charge-offs (x) | 9.6908% | 1,970 |
| Efficiency ratio | 61.1763% | 4,572 |
| Assets per employee ($millions) | 6.1150% | 1,327 |
| Cash dividends to net income (ytd only)* | 81.1732% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9462% | 4,871 |
| Loan loss allowance to noncurrent loans | 93.9894% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 0.7035% | 2,956 |
| Noncurrent loans to loans | 1.0067% | 2,371 |
| Net loans and leases to total assets | 63.8073% | 3,265 |
| Net loans and leases to deposits | 83.5184% | 2,364 |
| Net loans and leases to core deposits | 87.0170% | 2,655 |
| Total domestic deposits to total assets | 76.3991% | 5,372 |
| Equity capital to assets | 12.6129% | 1,611 |
| Core capital (leverage) ratio | 9.4026% | 4,344 |
| Tier 1 risk-based capital ratio | 11.3723% | 5,294 |
| Total risk-based capital ratio | 13.5264% | 4,638 |
| Memoranda: | ||
| Average total assets | $206,000,214,500 | 11 |
| Average earning assets | $178,693,745,000 | 11 |
| Average equity | $25,940,561,000 | 10 |
| Average total loans | $133,437,977,000 | 9 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4124% | 5,127 |
| Cost of funding earning assets | 0.3432% | 3,761 |
| Net interest margin | 3.0692% | 4,979 |
| Noninterest income to average assets | 1.8880% | 389 |
| Noninterest expense to average assets | 2.9857% | 2,598 |
| Loan and lease loss provision to assets | 0.0962% | 2,386 |
| Net operating income to assets | 1.0888% | 1,974 |
| Return on assets (ROA) | 1.0671% | 2,133 |
| Pretax return on assets | 1.4476% | 1,732 |
| Return on Equity (ROE) | 8.5552% | 2,692 |
| Retained earnings to average equity (ytd only) | 1.8916% | 4,647 |
| Net charge-offs to loans | 0.1760% | 1,629 |
| Credit loss provision to net charge-offs | 84.0991% | 2,880 |
| Earnings coverage of net charge-offs (x) | 13.6888% | 2,355 |
| Efficiency ratio | 64.4237% | 4,180 |
| Assets per employee ($millions) | 6.0085% | 1,381 |
| Cash dividends to net income (ytd only)* | 77.8892% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9265% | 4,988 |
| Loan loss allowance to noncurrent loans | 103.4303% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 0.6485% | 3,105 |
| Noncurrent loans to loans | 0.8958% | 2,551 |
| Net loans and leases to total assets | 64.5341% | 3,197 |
| Net loans and leases to deposits | 84.3731% | 2,323 |
| Net loans and leases to core deposits | 87.8419% | 2,616 |
| Total domestic deposits to total assets | 76.4865% | 5,390 |
| Equity capital to assets | 12.5719% | 1,583 |
| Core capital (leverage) ratio | 9.3474% | 4,398 |
| Tier 1 risk-based capital ratio | 11.3016% | 5,376 |
| Total risk-based capital ratio | 13.4396% | 4,735 |
| Memoranda: | ||
| Average total assets | $192,511,067,600 | 11 |
| Average earning assets | $167,071,420,600 | 13 |
| Average equity | $24,011,063,400 | 10 |
| Average total loans | $125,104,487,000 | 9 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3794% | 5,248 |
| Cost of funding earning assets | 0.3453% | 3,805 |
| Net interest margin | 3.0341% | 5,118 |
| Noninterest income to average assets | 1.8929% | 389 |
| Noninterest expense to average assets | 3.0044% | 2,512 |
| Loan and lease loss provision to assets | 0.0885% | 2,386 |
| Net operating income to assets | 1.0908% | 2,056 |
| Return on assets (ROA) | 1.0634% | 2,250 |
| Pretax return on assets | 1.4055% | 1,991 |
| Return on Equity (ROE) | 8.5444% | 2,799 |
| Retained earnings to average equity (ytd only) | 1.7554% | 5,000 |
| Net charge-offs to loans | 0.1684% | 1,475 |
| Credit loss provision to net charge-offs | 80.8879% | 2,601 |
| Earnings coverage of net charge-offs (x) | 13.9148% | 2,284 |
| Efficiency ratio | 65.2757% | 4,020 |
| Assets per employee ($millions) | 6.1562% | 1,270 |
| Cash dividends to net income (ytd only)* | 79.4558% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9305% | 5,066 |
| Loan loss allowance to noncurrent loans | 91.0806% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 0.7456% | 3,040 |
| Noncurrent loans to loans | 1.0217% | 2,435 |
| Net loans and leases to total assets | 64.9185% | 3,167 |
| Net loans and leases to deposits | 84.4700% | 2,346 |
| Net loans and leases to core deposits | 86.9055% | 2,761 |
| Total domestic deposits to total assets | 76.8539% | 5,366 |
| Equity capital to assets | 12.6286% | 1,669 |
| Core capital (leverage) ratio | 9.5545% | 4,232 |
| Tier 1 risk-based capital ratio | 11.2838% | 5,498 |
| Total risk-based capital ratio | 13.4395% | 4,873 |
| Memoranda: | ||
| Average total assets | $189,357,450,000 | 12 |
| Average earning assets | $164,348,011,000 | 13 |
| Average equity | $23,566,766,500 | 10 |
| Average total loans | $122,977,156,000 | 9 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3404% | 5,363 |
| Cost of funding earning assets | 0.3554% | 3,752 |
| Net interest margin | 2.9850% | 5,259 |
| Noninterest income to average assets | 1.9502% | 383 |
| Noninterest expense to average assets | 3.0529% | 2,393 |
| Loan and lease loss provision to assets | 0.0904% | 2,311 |
| Net operating income to assets | 1.1017% | 1,948 |
| Return on assets (ROA) | 1.0653% | 2,189 |
| Pretax return on assets | 1.3605% | 2,146 |
| Return on Equity (ROE) | 8.6063% | 2,749 |
| Retained earnings to average equity (ytd only) | 1.6009% | 4,900 |
| Net charge-offs to loans | 0.1814% | 1,369 |
| Credit loss provision to net charge-offs | 77.0112% | 2,366 |
| Earnings coverage of net charge-offs (x) | 12.6710% | 2,186 |
| Efficiency ratio | 66.2187% | 3,971 |
| Assets per employee ($millions) | 6.0577% | 1,311 |
| Cash dividends to net income (ytd only)* | 81.3989% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0276% | 4,725 |
| Loan loss allowance to noncurrent loans | 101.5218% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 0.7431% | 3,153 |
| Noncurrent loans to loans | 1.0122% | 2,622 |
| Net loans and leases to total assets | 64.4051% | 3,206 |
| Net loans and leases to deposits | 84.6785% | 2,223 |
| Net loans and leases to core deposits | 87.1443% | 2,646 |
| Total domestic deposits to total assets | 76.0584% | 5,591 |
| Equity capital to assets | 12.4228% | 1,702 |
| Core capital (leverage) ratio | 9.5343% | 4,237 |
| Tier 1 risk-based capital ratio | 11.2873% | 5,584 |
| Total risk-based capital ratio | 12.8694% | 5,309 |
| Memoranda: | ||
| Average total assets | $184,512,178,000 | 13 |
| Average earning assets | $160,125,569,670 | 13 |
| Average equity | $22,839,379,330 | 10 |
| Average total loans | $119,433,638,670 | 9 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3660% | 5,291 |
| Cost of funding earning assets | 0.3633% | 3,714 |
| Net interest margin | 3.0027% | 5,207 |
| Noninterest income to average assets | 1.9018% | 382 |
| Noninterest expense to average assets | 2.8177% | 3,184 |
| Loan and lease loss provision to assets | 0.0858% | 2,259 |
| Net operating income to assets | 1.1226% | 1,784 |
| Return on assets (ROA) | 1.0749% | 2,069 |
| Pretax return on assets | 1.5577% | 1,369 |
| Return on Equity (ROE) | 8.6999% | 2,603 |
| Retained earnings to average equity (ytd only) | 1.6408% | 4,817 |
| Net charge-offs to loans | 0.1711% | 1,251 |
| Credit loss provision to net charge-offs | 77.6635% | 1,851 |
| Earnings coverage of net charge-offs (x) | 15.3142% | 1,628 |
| Efficiency ratio | 61.5126% | 4,877 |
| Assets per employee ($millions) | 6.0793% | 1,347 |
| Cash dividends to net income (ytd only)* | 81.1399% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0623% | 4,697 |
| Loan loss allowance to noncurrent loans | 96.4235% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 0.8112% | 3,079 |
| Noncurrent loans to loans | 1.1017% | 2,567 |
| Net loans and leases to total assets | 63.7209% | 3,126 |
| Net loans and leases to deposits | 84.3741% | 2,022 |
| Net loans and leases to core deposits | 87.6635% | 2,361 |
| Total domestic deposits to total assets | 75.5219% | 5,786 |
| Equity capital to assets | 12.3147% | 1,811 |
| Core capital (leverage) ratio | 9.4517% | 4,351 |
| Tier 1 risk-based capital ratio | 11.3944% | 5,610 |
| Total risk-based capital ratio | 13.0599% | 5,261 |
| Memoranda: | ||
| Average total assets | $183,446,827,500 | 13 |
| Average earning assets | $159,280,058,500 | 13 |
| Average equity | $22,665,909,000 | 11 |
| Average total loans | $118,422,605,500 | 9 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5369% | 5,237 |
| Cost of funding earning assets | 0.3979% | 3,710 |
| Net interest margin | 3.1390% | 5,098 |
| Noninterest income to average assets | 1.8183% | 398 |
| Noninterest expense to average assets | 2.9684% | 2,937 |
| Loan and lease loss provision to assets | 0.0333% | 3,929 |
| Net operating income to assets | 1.1448% | 1,795 |
| Return on assets (ROA) | 1.0860% | 2,082 |
| Pretax return on assets | 1.4668% | 1,665 |
| Return on Equity (ROE) | 8.9775% | 2,597 |
| Retained earnings to average equity (ytd only) | 1.7003% | 4,964 |
| Net charge-offs to loans | 0.2868% | 1,516 |
| Credit loss provision to net charge-offs | 18.1046% | 3,996 |
| Earnings coverage of net charge-offs (x) | 8.4823% | 2,872 |
| Efficiency ratio | 64.4829% | 4,509 |
| Assets per employee ($millions) | 5.9884% | 1,386 |
| Cash dividends to net income (ytd only)* | 81.0606% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0781% | 4,650 |
| Loan loss allowance to noncurrent loans | 84.4259% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 0.9306% | 2,891 |
| Noncurrent loans to loans | 1.2770% | 2,322 |
| Net loans and leases to total assets | 64.0073% | 3,226 |
| Net loans and leases to deposits | 85.2738% | 2,067 |
| Net loans and leases to core deposits | 90.9801% | 2,189 |
| Total domestic deposits to total assets | 75.0609% | 5,853 |
| Equity capital to assets | 12.3969% | 1,706 |
| Core capital (leverage) ratio | 9.3043% | 4,532 |
| Tier 1 risk-based capital ratio | 11.6811% | 5,557 |
| Total risk-based capital ratio | 13.4213% | 5,158 |
| Memoranda: | ||
| Average total assets | $181,759,270,800 | 11 |
| Average earning assets | $156,890,873,200 | 13 |
| Average equity | $21,986,380,600 | 11 |
| Average total loans | $116,515,504,200 | 9 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5647% | 5,228 |
| Cost of funding earning assets | 0.4045% | 3,742 |
| Net interest margin | 3.1602% | 5,089 |
| Noninterest income to average assets | 1.7873% | 410 |
| Noninterest expense to average assets | 3.0226% | 2,725 |
| Loan and lease loss provision to assets | 0.0370% | 3,665 |
| Net operating income to assets | 1.1112% | 1,981 |
| Return on assets (ROA) | 1.0437% | 2,323 |
| Pretax return on assets | 1.3833% | 2,071 |
| Return on Equity (ROE) | 8.6822% | 2,857 |
| Retained earnings to average equity (ytd only) | 1.3521% | 5,356 |
| Net charge-offs to loans | 0.3129% | 1,276 |
| Credit loss provision to net charge-offs | 18.4774% | 3,594 |
| Earnings coverage of net charge-offs (x) | 7.4383% | 2,927 |
| Efficiency ratio | 65.9187% | 4,224 |
| Assets per employee ($millions) | 5.8826% | 1,424 |
| Cash dividends to net income (ytd only)* | 84.4272% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 4,629 |
| Loan loss allowance to noncurrent loans | 77.8724% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 1.0278% | 2,905 |
| Noncurrent loans to loans | 1.4473% | 2,250 |
| Net loans and leases to total assets | 63.5337% | 3,258 |
| Net loans and leases to deposits | 84.5952% | 2,077 |
| Net loans and leases to core deposits | 92.2346% | 2,014 |
| Total domestic deposits to total assets | 75.1031% | 5,912 |
| Equity capital to assets | 12.4457% | 1,738 |
| Core capital (leverage) ratio | 9.2170% | 4,755 |
| Tier 1 risk-based capital ratio | 11.8124% | 5,602 |
| Total risk-based capital ratio | 13.6334% | 5,172 |
| Memoranda: | ||
| Average total assets | $181,576,827,000 | 11 |
| Average earning assets | $156,487,193,250 | 13 |
| Average equity | $21,827,244,750 | 11 |
| Average total loans | $116,124,560,750 | 9 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5866% | 5,183 |
| Cost of funding earning assets | 0.4041% | 3,830 |
| Net interest margin | 3.1824% | 4,999 |
| Noninterest income to average assets | 1.7854% | 416 |
| Noninterest expense to average assets | 2.9862% | 2,883 |
| Loan and lease loss provision to assets | 0.0469% | 3,370 |
| Net operating income to assets | 1.1011% | 1,935 |
| Return on assets (ROA) | 1.0074% | 2,359 |
| Pretax return on assets | 1.3952% | 1,903 |
| Return on Equity (ROE) | 8.4809% | 2,845 |
| Retained earnings to average equity (ytd only) | 1.0444% | 5,343 |
| Net charge-offs to loans | 0.3109% | 1,300 |
| Credit loss provision to net charge-offs | 23.6196% | 3,140 |
| Earnings coverage of net charge-offs (x) | 7.7343% | 2,585 |
| Efficiency ratio | 64.9498% | 4,542 |
| Assets per employee ($millions) | 5.8003% | 1,422 |
| Cash dividends to net income (ytd only)* | 87.6858% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1931% | 4,455 |
| Loan loss allowance to noncurrent loans | 77.1130% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 1.0830% | 2,895 |
| Noncurrent loans to loans | 1.5473% | 2,237 |
| Net loans and leases to total assets | 63.5635% | 3,148 |
| Net loans and leases to deposits | 84.6909% | 1,965 |
| Net loans and leases to core deposits | 94.7921% | 1,703 |
| Total domestic deposits to total assets | 75.0535% | 6,016 |
| Equity capital to assets | 12.3415% | 1,747 |
| Core capital (leverage) ratio | 9.1830% | 4,769 |
| Tier 1 risk-based capital ratio | 11.6834% | 5,702 |
| Total risk-based capital ratio | 13.0682% | 5,567 |
| Memoranda: | ||
| Average total assets | $181,135,364,000 | 11 |
| Average earning assets | $155,734,686,000 | 13 |
| Average equity | $21,515,233,000 | 11 |
| Average total loans | $115,656,600,670 | 9 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6409% | 5,034 |
| Cost of funding earning assets | 0.4060% | 3,892 |
| Net interest margin | 3.2349% | 4,799 |
| Noninterest income to average assets | 1.7850% | 403 |
| Noninterest expense to average assets | 2.8372% | 3,425 |
| Loan and lease loss provision to assets | 0.0024% | 3,791 |
| Net operating income to assets | 1.2575% | 1,323 |
| Return on assets (ROA) | 1.1058% | 1,850 |
| Pretax return on assets | 1.5679% | 1,243 |
| Return on Equity (ROE) | 9.4990% | 2,249 |
| Retained earnings to average equity (ytd only) | 1.8587% | 4,850 |
| Net charge-offs to loans | 0.3164% | 1,120 |
| Credit loss provision to net charge-offs | 1.1865% | 2,678 |
| Earnings coverage of net charge-offs (x) | 8.5500% | 2,010 |
| Efficiency ratio | 61.1502% | 5,249 |
| Assets per employee ($millions) | 5.6390% | 1,583 |
| Cash dividends to net income (ytd only)* | 80.4327% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 4,276 |
| Loan loss allowance to noncurrent loans | 72.3968% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 1.2305% | 2,796 |
| Noncurrent loans to loans | 1.7555% | 2,203 |
| Net loans and leases to total assets | 62.6671% | 3,129 |
| Net loans and leases to deposits | 83.8516% | 1,837 |
| Net loans and leases to core deposits | 92.8036% | 1,657 |
| Total domestic deposits to total assets | 74.7358% | 6,183 |
| Equity capital to assets | 12.4655% | 1,597 |
| Core capital (leverage) ratio | 9.2975% | 4,581 |
| Tier 1 risk-based capital ratio | 11.8825% | 5,717 |
| Total risk-based capital ratio | 13.3627% | 5,499 |
| Memoranda: | ||
| Average total assets | $179,889,380,500 | 11 |
| Average earning assets | $154,211,622,000 | 13 |
| Average equity | $20,941,629,000 | 11 |
| Average total loans | $114,420,197,000 | 9 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8746% | 4,556 |
| Cost of funding earning assets | 0.4417% | 4,198 |
| Net interest margin | 3.4329% | 4,157 |
| Noninterest income to average assets | 1.9075% | 422 |
| Noninterest expense to average assets | 3.0445% | 2,915 |
| Loan and lease loss provision to assets | 0.1928% | 1,918 |
| Net operating income to assets | 0.9176% | 2,693 |
| Return on assets (ROA) | 0.8268% | 3,236 |
| Pretax return on assets | 1.5385% | 1,331 |
| Return on Equity (ROE) | 7.7821% | 3,153 |
| Retained earnings to average equity (ytd only) | 2.0953% | 4,745 |
| Net charge-offs to loans | 0.5521% | 1,196 |
| Credit loss provision to net charge-offs | 53.9524% | 3,730 |
| Earnings coverage of net charge-offs (x) | 5.0703% | 3,392 |
| Efficiency ratio | 61.5037% | 5,292 |
| Assets per employee ($millions) | 5.5989% | 1,564 |
| Cash dividends to net income (ytd only)* | 73.0747% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 3,866 |
| Loan loss allowance to noncurrent loans | 72.9193% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 1.3224% | 2,772 |
| Noncurrent loans to loans | 1.8579% | 2,159 |
| Net loans and leases to total assets | 62.8755% | 3,223 |
| Net loans and leases to deposits | 84.3278% | 1,887 |
| Net loans and leases to core deposits | 94.1775% | 1,587 |
| Total domestic deposits to total assets | 74.5608% | 6,241 |
| Equity capital to assets | 10.8102% | 2,805 |
| Core capital (leverage) ratio | 9.3630% | 4,452 |
| Tier 1 risk-based capital ratio | 11.8789% | 5,691 |
| Total risk-based capital ratio | 13.4499% | 5,424 |
| Memoranda: | ||
| Average total assets | $177,921,767,400 | 12 |
| Average earning assets | $152,830,575,600 | 12 |
| Average equity | $18,903,715,400 | 15 |
| Average total loans | $115,153,349,400 | 9 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9293% | 4,392 |
| Cost of funding earning assets | 0.4491% | 4,287 |
| Net interest margin | 3.4803% | 3,967 |
| Noninterest income to average assets | 1.9023% | 448 |
| Noninterest expense to average assets | 3.0488% | 2,820 |
| Loan and lease loss provision to assets | 0.2504% | 1,427 |
| Net operating income to assets | 0.8078% | 3,302 |
| Return on assets (ROA) | 0.7216% | 3,878 |
| Pretax return on assets | 1.5206% | 1,544 |
| Return on Equity (ROE) | 6.8214% | 3,754 |
| Retained earnings to average equity (ytd only) | 0.7895% | 5,665 |
| Net charge-offs to loans | 0.6222% | 995 |
| Credit loss provision to net charge-offs | 61.9498% | 3,255 |
| Earnings coverage of net charge-offs (x) | 4.5639% | 3,411 |
| Efficiency ratio | 61.1048% | 5,261 |
| Assets per employee ($millions) | 5.4856% | 1,638 |
| Cash dividends to net income (ytd only)* | 88.4261% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 3,748 |
| Loan loss allowance to noncurrent loans | 74.1970% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 1.4311% | 2,809 |
| Noncurrent loans to loans | 1.9366% | 2,320 |
| Net loans and leases to total assets | 64.8959% | 2,824 |
| Net loans and leases to deposits | 85.4745% | 1,676 |
| Net loans and leases to core deposits | 95.0593% | 1,465 |
| Total domestic deposits to total assets | 75.9243% | 6,178 |
| Equity capital to assets | 10.7006% | 3,069 |
| Core capital (leverage) ratio | 9.1125% | 4,951 |
| Tier 1 risk-based capital ratio | 11.5955% | 6,009 |
| Total risk-based capital ratio | 13.1848% | 5,757 |
| Memoranda: | ||
| Average total assets | $177,620,635,750 | 12 |
| Average earning assets | $152,672,549,500 | 12 |
| Average equity | $18,788,649,500 | 15 |
| Average total loans | $115,398,352,500 | 9 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9259% | 4,375 |
| Cost of funding earning assets | 0.4563% | 4,358 |
| Net interest margin | 3.4696% | 3,929 |
| Noninterest income to average assets | 1.9643% | 457 |
| Noninterest expense to average assets | 3.0464% | 2,853 |
| Loan and lease loss provision to assets | 0.3316% | 1,037 |
| Net operating income to assets | 0.8674% | 2,960 |
| Return on assets (ROA) | 0.7844% | 3,543 |
| Pretax return on assets | 1.5040% | 1,606 |
| Return on Equity (ROE) | 7.4438% | 3,369 |
| Retained earnings to average equity (ytd only) | 0.7905% | 5,584 |
| Net charge-offs to loans | 0.7496% | 862 |
| Credit loss provision to net charge-offs | 68.4004% | 2,860 |
| Earnings coverage of net charge-offs (x) | 3.9190% | 3,269 |
| Efficiency ratio | 60.3939% | 5,424 |
| Assets per employee ($millions) | 5.5228% | 1,564 |
| Cash dividends to net income (ytd only)* | 89.3807% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4993% | 3,596 |
| Loan loss allowance to noncurrent loans | 72.8552% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.5129% | 2,831 |
| Noncurrent loans to loans | 2.0580% | 2,327 |
| Net loans and leases to total assets | 63.8823% | 2,928 |
| Net loans and leases to deposits | 82.8370% | 1,948 |
| Net loans and leases to core deposits | 94.7902% | 1,456 |
| Total domestic deposits to total assets | 77.1181% | 6,109 |
| Equity capital to assets | 10.5694% | 3,208 |
| Core capital (leverage) ratio | 9.0423% | 4,917 |
| Tier 1 risk-based capital ratio | 11.4603% | 6,130 |
| Total risk-based capital ratio | 13.1577% | 5,799 |
| Memoranda: | ||
| Average total assets | $178,288,689,000 | 12 |
| Average earning assets | $153,240,560,000 | 13 |
| Average equity | $18,787,498,670 | 15 |
| Average total loans | $115,321,313,670 | 10 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9465% | 4,303 |
| Cost of funding earning assets | 0.4687% | 4,385 |
| Net interest margin | 3.4778% | 3,796 |
| Noninterest income to average assets | 1.9304% | 449 |
| Noninterest expense to average assets | 2.9593% | 3,122 |
| Loan and lease loss provision to assets | 0.4052% | 758 |
| Net operating income to assets | 0.5448% | 4,475 |
| Return on assets (ROA) | 0.4632% | 5,020 |
| Pretax return on assets | 1.4947% | 1,566 |
| Return on Equity (ROE) | 4.4018% | 4,893 |
| Retained earnings to average equity (ytd only) | -4.1179% | 6,289 |
| Net charge-offs to loans | 0.8574% | 704 |
| Credit loss provision to net charge-offs | 73.1669% | 2,250 |
| Earnings coverage of net charge-offs (x) | 3.5443% | 2,747 |
| Efficiency ratio | 58.9132% | 5,729 |
| Assets per employee ($millions) | 5.4571% | 1,702 |
| Cash dividends to net income (ytd only)* | 193.5509% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5687% | 3,529 |
| Loan loss allowance to noncurrent loans | 71.5594% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 1.6363% | 2,814 |
| Noncurrent loans to loans | 2.1922% | 2,400 |
| Net loans and leases to total assets | 64.1374% | 2,678 |
| Net loans and leases to deposits | 83.1125% | 1,692 |
| Net loans and leases to core deposits | 93.9978% | 1,344 |
| Total domestic deposits to total assets | 77.1693% | 6,233 |
| Equity capital to assets | 10.5994% | 3,435 |
| Core capital (leverage) ratio | 8.8503% | 5,117 |
| Tier 1 risk-based capital ratio | 11.3764% | 6,245 |
| Total risk-based capital ratio | 13.1201% | 5,957 |
| Memoranda: | ||
| Average total assets | $178,485,508,500 | 12 |
| Average earning assets | $153,544,766,500 | 13 |
| Average equity | $18,780,001,000 | 17 |
| Average total loans | $115,295,291,000 | 10 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1686% | 4,698 |
| Cost of funding earning assets | 0.5615% | 4,716 |
| Net interest margin | 3.6071% | 4,053 |
| Noninterest income to average assets | 1.7431% | 537 |
| Noninterest expense to average assets | 2.9225% | 3,555 |
| Loan and lease loss provision to assets | 0.4940% | 1,214 |
| Net operating income to assets | 1.0772% | 2,020 |
| Return on assets (ROA) | 0.9600% | 2,748 |
| Pretax return on assets | 1.2943% | 2,432 |
| Return on Equity (ROE) | 9.1824% | 2,544 |
| Retained earnings to average equity (ytd only) | 0.4842% | 5,608 |
| Net charge-offs to loans | 1.0163% | 1,065 |
| Credit loss provision to net charge-offs | 76.7930% | 3,936 |
| Earnings coverage of net charge-offs (x) | 2.9648% | 3,942 |
| Efficiency ratio | 59.2472% | 5,660 |
| Assets per employee ($millions) | 5.5931% | 1,602 |
| Cash dividends to net income (ytd only)* | 94.7266% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5592% | 3,480 |
| Loan loss allowance to noncurrent loans | 65.3042% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 1.7464% | 2,776 |
| Noncurrent loans to loans | 2.3876% | 2,244 |
| Net loans and leases to total assets | 62.6709% | 3,129 |
| Net loans and leases to deposits | 81.6997% | 2,049 |
| Net loans and leases to core deposits | 93.5393% | 1,508 |
| Total domestic deposits to total assets | 76.7089% | 6,259 |
| Equity capital to assets | 10.2365% | 3,845 |
| Core capital (leverage) ratio | 8.5829% | 5,487 |
| Tier 1 risk-based capital ratio | 11.2170% | 6,266 |
| Total risk-based capital ratio | 12.9690% | 5,917 |
| Memoranda: | ||
| Average total assets | $173,192,807,000 | 12 |
| Average earning assets | $148,194,651,200 | 14 |
| Average equity | $18,107,323,400 | 17 |
| Average total loans | $109,617,252,400 | 10 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2097% | 4,789 |
| Cost of funding earning assets | 0.5790% | 4,843 |
| Net interest margin | 3.6307% | 4,094 |
| Noninterest income to average assets | 1.6943% | 538 |
| Noninterest expense to average assets | 2.9076% | 3,565 |
| Loan and lease loss provision to assets | 0.5153% | 1,178 |
| Net operating income to assets | 1.0511% | 2,282 |
| Return on assets (ROA) | 0.9316% | 3,053 |
| Pretax return on assets | 1.2545% | 2,774 |
| Return on Equity (ROE) | 8.8629% | 2,867 |
| Retained earnings to average equity (ytd only) | 0.1969% | 6,019 |
| Net charge-offs to loans | 1.0586% | 994 |
| Credit loss provision to net charge-offs | 77.0234% | 3,704 |
| Earnings coverage of net charge-offs (x) | 2.8273% | 3,907 |
| Efficiency ratio | 59.3118% | 5,610 |
| Assets per employee ($millions) | 5.5298% | 1,608 |
| Cash dividends to net income (ytd only)* | 97.7779% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6180% | 3,453 |
| Loan loss allowance to noncurrent loans | 64.0033% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 1.8703% | 2,830 |
| Noncurrent loans to loans | 2.5280% | 2,256 |
| Net loans and leases to total assets | 63.0094% | 3,204 |
| Net loans and leases to deposits | 83.3424% | 1,950 |
| Net loans and leases to core deposits | 94.5456% | 1,528 |
| Total domestic deposits to total assets | 75.6031% | 6,440 |
| Equity capital to assets | 10.3731% | 3,982 |
| Core capital (leverage) ratio | 8.7111% | 5,457 |
| Tier 1 risk-based capital ratio | 11.2720% | 6,371 |
| Total risk-based capital ratio | 13.0282% | 6,051 |
| Memoranda: | ||
| Average total assets | $171,982,465,750 | 11 |
| Average earning assets | $147,072,897,000 | 13 |
| Average equity | $18,078,033,500 | 17 |
| Average total loans | $108,685,830,000 | 9 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2647% | 4,707 |
| Cost of funding earning assets | 0.5954% | 4,942 |
| Net interest margin | 3.6693% | 3,959 |
| Noninterest income to average assets | 1.6638% | 538 |
| Noninterest expense to average assets | 2.7965% | 4,032 |
| Loan and lease loss provision to assets | 0.5796% | 1,047 |
| Net operating income to assets | 1.0764% | 2,142 |
| Return on assets (ROA) | 0.9423% | 2,957 |
| Pretax return on assets | 1.2881% | 2,602 |
| Return on Equity (ROE) | 8.9242% | 2,844 |
| Retained earnings to average equity (ytd only) | 0.3161% | 5,939 |
| Net charge-offs to loans | 1.1166% | 973 |
| Credit loss provision to net charge-offs | 82.5243% | 3,255 |
| Earnings coverage of net charge-offs (x) | 2.8542% | 3,602 |
| Efficiency ratio | 57.0566% | 5,989 |
| Assets per employee ($millions) | 5.6228% | 1,501 |
| Cash dividends to net income (ytd only)* | 96.4584% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7514% | 3,020 |
| Loan loss allowance to noncurrent loans | 63.2370% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 2.0660% | 2,702 |
| Noncurrent loans to loans | 2.7695% | 2,164 |
| Net loans and leases to total assets | 62.0535% | 3,425 |
| Net loans and leases to deposits | 81.5715% | 2,167 |
| Net loans and leases to core deposits | 92.6480% | 1,714 |
| Total domestic deposits to total assets | 75.7691% | 6,494 |
| Equity capital to assets | 10.4446% | 3,756 |
| Core capital (leverage) ratio | 8.9966% | 4,923 |
| Tier 1 risk-based capital ratio | 11.7448% | 6,091 |
| Total risk-based capital ratio | 13.6313% | 5,645 |
| Memoranda: | ||
| Average total assets | $170,523,998,000 | 12 |
| Average earning assets | $145,802,057,670 | 13 |
| Average equity | $18,006,109,000 | 17 |
| Average total loans | $107,264,566,670 | 9 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3300% | 4,609 |
| Cost of funding earning assets | 0.6253% | 4,930 |
| Net interest margin | 3.7048% | 3,803 |
| Noninterest income to average assets | 1.5665% | 587 |
| Noninterest expense to average assets | 2.8177% | 3,955 |
| Loan and lease loss provision to assets | 0.5972% | 963 |
| Net operating income to assets | 0.9754% | 2,574 |
| Return on assets (ROA) | 0.8401% | 3,439 |
| Pretax return on assets | 1.1792% | 2,992 |
| Return on Equity (ROE) | 7.9119% | 3,326 |
| Retained earnings to average equity (ytd only) | -0.4497% | 6,075 |
| Net charge-offs to loans | 1.1377% | 907 |
| Credit loss provision to net charge-offs | 83.6248% | 2,670 |
| Earnings coverage of net charge-offs (x) | 2.6846% | 3,112 |
| Efficiency ratio | 58.4654% | 5,852 |
| Assets per employee ($millions) | 5.8161% | 1,417 |
| Cash dividends to net income (ytd only)* | 105.6841% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8684% | 2,776 |
| Loan loss allowance to noncurrent loans | 59.8184% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 2.4074% | 2,456 |
| Noncurrent loans to loans | 3.1234% | 2,050 |
| Net loans and leases to total assets | 61.4138% | 3,370 |
| Net loans and leases to deposits | 80.8530% | 2,078 |
| Net loans and leases to core deposits | 90.9252% | 1,759 |
| Total domestic deposits to total assets | 75.7451% | 6,576 |
| Equity capital to assets | 10.6423% | 3,331 |
| Core capital (leverage) ratio | 9.4067% | 4,189 |
| Tier 1 risk-based capital ratio | 12.4707% | 5,628 |
| Total risk-based capital ratio | 14.6244% | 4,910 |
| Memoranda: | ||
| Average total assets | $168,946,878,000 | 12 |
| Average earning assets | $144,486,479,500 | 13 |
| Average equity | $17,939,204,500 | 17 |
| Average total loans | $106,049,549,500 | 9 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6859% | 4,306 |
| Cost of funding earning assets | 0.8012% | 4,857 |
| Net interest margin | 3.8847% | 3,402 |
| Noninterest income to average assets | 1.1386% | 1,013 |
| Noninterest expense to average assets | 2.9303% | 3,844 |
| Loan and lease loss provision to assets | 0.6508% | 1,566 |
| Net operating income to assets | 0.7345% | 3,318 |
| Return on assets (ROA) | 0.6486% | 3,939 |
| Pretax return on assets | 0.7359% | 4,207 |
| Return on Equity (ROE) | 5.7540% | 4,000 |
| Retained earnings to average equity (ytd only) | 3.0740% | 4,039 |
| Net charge-offs to loans | 1.4503% | 1,120 |
| Credit loss provision to net charge-offs | 68.8332% | 4,897 |
| Earnings coverage of net charge-offs (x) | 1.5536% | 4,610 |
| Efficiency ratio | 65.2460% | 4,913 |
| Assets per employee ($millions) | 5.6952% | 1,445 |
| Cash dividends to net income (ytd only)* | 46.5765% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9054% | 2,552 |
| Loan loss allowance to noncurrent loans | 59.5482% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 2.5653% | 2,363 |
| Noncurrent loans to loans | 3.1998% | 2,020 |
| Net loans and leases to total assets | 61.7593% | 3,651 |
| Net loans and leases to deposits | 81.7656% | 2,233 |
| Net loans and leases to core deposits | 94.8229% | 1,611 |
| Total domestic deposits to total assets | 75.2320% | 6,571 |
| Equity capital to assets | 10.5942% | 3,422 |
| Core capital (leverage) ratio | 9.5444% | 3,952 |
| Tier 1 risk-based capital ratio | 12.4235% | 5,515 |
| Total risk-based capital ratio | 14.6096% | 4,772 |
| Memoranda: | ||
| Average total assets | $157,240,351,800 | 13 |
| Average earning assets | $131,976,450,000 | 13 |
| Average equity | $17,723,947,400 | 15 |
| Average total loans | $102,505,456,000 | 10 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7509% | 4,221 |
| Cost of funding earning assets | 0.8393% | 4,861 |
| Net interest margin | 3.9117% | 3,328 |
| Noninterest income to average assets | 1.2387% | 847 |
| Noninterest expense to average assets | 2.9800% | 3,632 |
| Loan and lease loss provision to assets | 0.6822% | 1,417 |
| Net operating income to assets | 0.7608% | 3,336 |
| Return on assets (ROA) | 0.6036% | 4,247 |
| Pretax return on assets | 0.6840% | 4,539 |
| Return on Equity (ROE) | 5.2683% | 4,413 |
| Retained earnings to average equity (ytd only) | 3.5717% | 4,201 |
| Net charge-offs to loans | 1.4962% | 970 |
| Credit loss provision to net charge-offs | 69.2981% | 4,504 |
| Earnings coverage of net charge-offs (x) | 1.5513% | 4,477 |
| Efficiency ratio | 64.7445% | 4,945 |
| Assets per employee ($millions) | 5.4848% | 1,615 |
| Cash dividends to net income (ytd only)* | 32.2034% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0807% | 2,114 |
| Loan loss allowance to noncurrent loans | 59.7225% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 3.0215% | 2,123 |
| Noncurrent loans to loans | 3.4839% | 1,974 |
| Net loans and leases to total assets | 62.0800% | 3,705 |
| Net loans and leases to deposits | 83.8133% | 2,031 |
| Net loans and leases to core deposits | 94.0934% | 1,785 |
| Total domestic deposits to total assets | 73.5245% | 6,812 |
| Equity capital to assets | 11.2011% | 2,963 |
| Core capital (leverage) ratio | 9.9298% | 3,531 |
| Tier 1 risk-based capital ratio | 12.7561% | 5,287 |
| Total risk-based capital ratio | 14.9692% | 4,524 |
| Memoranda: | ||
| Average total assets | $154,333,529,750 | 13 |
| Average earning assets | $128,954,521,000 | 13 |
| Average equity | $17,682,403,250 | 15 |
| Average total loans | $101,552,485,000 | 10 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7925% | 4,124 |
| Cost of funding earning assets | 0.8689% | 4,912 |
| Net interest margin | 3.9237% | 3,196 |
| Noninterest income to average assets | 1.2964% | 747 |
| Noninterest expense to average assets | 3.0337% | 3,511 |
| Loan and lease loss provision to assets | 0.7555% | 1,231 |
| Net operating income to assets | 0.6785% | 3,650 |
| Return on assets (ROA) | 0.5395% | 4,476 |
| Pretax return on assets | 0.6322% | 4,640 |
| Return on Equity (ROE) | 4.6718% | 4,605 |
| Retained earnings to average equity (ytd only) | 4.6718% | 3,209 |
| Net charge-offs to loans | 1.5008% | 992 |
| Credit loss provision to net charge-offs | 75.5228% | 3,901 |
| Earnings coverage of net charge-offs (x) | 1.5269% | 4,151 |
| Efficiency ratio | 65.1069% | 5,040 |
| Assets per employee ($millions) | 5.1989% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2883% | 1,769 |
| Loan loss allowance to noncurrent loans | 60.0194% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 3.4866% | 1,891 |
| Noncurrent loans to loans | 3.8126% | 1,828 |
| Net loans and leases to total assets | 64.1416% | 3,433 |
| Net loans and leases to deposits | 88.3810% | 1,446 |
| Net loans and leases to core deposits | 95.8272% | 1,698 |
| Total domestic deposits to total assets | 71.9462% | 7,007 |
| Equity capital to assets | 11.6486% | 2,365 |
| Core capital (leverage) ratio | 10.3674% | 2,861 |
| Tier 1 risk-based capital ratio | 12.8045% | 5,090 |
| Total risk-based capital ratio | 15.1564% | 4,205 |
| Memoranda: | ||
| Average total assets | $151,721,352,000 | 13 |
| Average earning assets | $126,244,380,670 | 13 |
| Average equity | $17,521,569,330 | 16 |
| Average total loans | $101,131,823,670 | 11 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8192% | 3,967 |
| Cost of funding earning assets | 0.9116% | 4,841 |
| Net interest margin | 3.9076% | 3,103 |
| Noninterest income to average assets | 1.2262% | 842 |
| Noninterest expense to average assets | 3.0157% | 3,579 |
| Loan and lease loss provision to assets | 0.7738% | 1,105 |
| Net operating income to assets | 0.6039% | 4,013 |
| Return on assets (ROA) | 0.4827% | 4,641 |
| Pretax return on assets | 0.5559% | 4,847 |
| Return on Equity (ROE) | 4.1983% | 4,796 |
| Retained earnings to average equity (ytd only) | 4.1983% | 3,640 |
| Net charge-offs to loans | 1.3973% | 983 |
| Credit loss provision to net charge-offs | 82.4447% | 3,111 |
| Earnings coverage of net charge-offs (x) | 1.5459% | 3,551 |
| Efficiency ratio | 66.0654% | 5,027 |
| Assets per employee ($millions) | 5.1551% | 1,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4220% | 1,577 |
| Loan loss allowance to noncurrent loans | 52.7228% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 4.0997% | 1,626 |
| Noncurrent loans to loans | 4.5939% | 1,507 |
| Net loans and leases to total assets | 64.7562% | 3,295 |
| Net loans and leases to deposits | 92.0137% | 1,022 |
| Net loans and leases to core deposits | 99.0923% | 1,422 |
| Total domestic deposits to total assets | 69.5301% | 7,202 |
| Equity capital to assets | 11.5747% | 2,207 |
| Core capital (leverage) ratio | 10.2412% | 2,876 |
| Tier 1 risk-based capital ratio | 12.6004% | 5,168 |
| Total risk-based capital ratio | 14.9597% | 4,245 |
| Memoranda: | ||
| Average total assets | $150,911,145,500 | 13 |
| Average earning assets | $125,146,468,000 | 13 |
| Average equity | $17,351,292,500 | 15 |
| Average total loans | $101,368,133,500 | 11 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0691% | 4,238 |
| Cost of funding earning assets | 1.0701% | 5,311 |
| Net interest margin | 3.9990% | 3,022 |
| Noninterest income to average assets | 1.4419% | 690 |
| Noninterest expense to average assets | 2.9856% | 3,906 |
| Loan and lease loss provision to assets | 1.6068% | 897 |
| Net operating income to assets | 0.1669% | 5,383 |
| Return on assets (ROA) | 0.4064% | 4,649 |
| Pretax return on assets | 0.4092% | 4,912 |
| Return on Equity (ROE) | 3.6701% | 4,661 |
| Retained earnings to average equity (ytd only) | 3.6701% | 3,287 |
| Net charge-offs to loans | 2.2802% | 848 |
| Credit loss provision to net charge-offs | 107.0730% | 4,148 |
| Earnings coverage of net charge-offs (x) | 1.1815% | 4,923 |
| Efficiency ratio | 61.1432% | 5,868 |
| Assets per employee ($millions) | 5.1481% | 1,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4277% | 1,510 |
| Loan loss allowance to noncurrent loans | 53.5122% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 4.1360% | 1,627 |
| Noncurrent loans to loans | 4.5367% | 1,554 |
| Net loans and leases to total assets | 66.3285% | 3,400 |
| Net loans and leases to deposits | 94.0767% | 1,062 |
| Net loans and leases to core deposits | 104.6032% | 1,276 |
| Total domestic deposits to total assets | 67.3607% | 7,349 |
| Equity capital to assets | 11.4206% | 2,330 |
| Core capital (leverage) ratio | 9.9324% | 3,161 |
| Tier 1 risk-based capital ratio | 12.2261% | 5,276 |
| Total risk-based capital ratio | 14.6107% | 4,283 |
| Memoranda: | ||
| Average total assets | $153,780,178,600 | 13 |
| Average earning assets | $127,541,957,600 | 13 |
| Average equity | $17,026,751,000 | 14 |
| Average total loans | $101,209,682,400 | 11 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0705% | 4,475 |
| Cost of funding earning assets | 1.0978% | 5,430 |
| Net interest margin | 3.9727% | 3,225 |
| Noninterest income to average assets | 1.4122% | 680 |
| Noninterest expense to average assets | 2.9417% | 3,939 |
| Loan and lease loss provision to assets | 1.6281% | 792 |
| Net operating income to assets | 0.1353% | 5,674 |
| Return on assets (ROA) | 0.3962% | 4,947 |
| Pretax return on assets | 0.4161% | 5,174 |
| Return on Equity (ROE) | 3.6061% | 4,961 |
| Retained earnings to average equity (ytd only) | 3.6061% | 3,909 |
| Net charge-offs to loans | 2.4088% | 716 |
| Credit loss provision to net charge-offs | 103.5249% | 4,138 |
| Earnings coverage of net charge-offs (x) | 1.1239% | 4,927 |
| Efficiency ratio | 60.8124% | 5,821 |
| Assets per employee ($millions) | 5.1736% | 1,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3534% | 1,537 |
| Loan loss allowance to noncurrent loans | 48.7326% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 4.2922% | 1,588 |
| Noncurrent loans to loans | 4.8292% | 1,456 |
| Net loans and leases to total assets | 65.4400% | 3,814 |
| Net loans and leases to deposits | 93.8915% | 1,210 |
| Net loans and leases to core deposits | 104.1990% | 1,463 |
| Total domestic deposits to total assets | 66.7202% | 7,441 |
| Equity capital to assets | 11.3602% | 2,649 |
| Core capital (leverage) ratio | 9.8945% | 3,364 |
| Tier 1 risk-based capital ratio | 12.6310% | 4,867 |
| Total risk-based capital ratio | 15.0872% | 3,923 |
| Memoranda: | ||
| Average total assets | $154,518,110,250 | 12 |
| Average earning assets | $128,238,875,500 | 13 |
| Average equity | $16,977,052,500 | 14 |
| Average total loans | $100,879,264,500 | 11 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0798% | 4,559 |
| Cost of funding earning assets | 1.1112% | 5,616 |
| Net interest margin | 3.9686% | 3,169 |
| Noninterest income to average assets | 1.3312% | 715 |
| Noninterest expense to average assets | 2.8940% | 4,100 |
| Loan and lease loss provision to assets | 1.4761% | 901 |
| Net operating income to assets | 0.2443% | 5,396 |
| Return on assets (ROA) | 0.3888% | 4,968 |
| Pretax return on assets | 0.4196% | 5,159 |
| Return on Equity (ROE) | 3.5786% | 4,975 |
| Retained earnings to average equity (ytd only) | 3.5786% | 3,819 |
| Net charge-offs to loans | 1.9809% | 926 |
| Credit loss provision to net charge-offs | 115.1337% | 3,532 |
| Earnings coverage of net charge-offs (x) | 1.3529% | 4,471 |
| Efficiency ratio | 60.8036% | 5,894 |
| Assets per employee ($millions) | 5.0544% | 2,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4720% | 1,336 |
| Loan loss allowance to noncurrent loans | 48.2307% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 4.5011% | 1,478 |
| Noncurrent loans to loans | 5.1253% | 1,335 |
| Net loans and leases to total assets | 65.4935% | 3,940 |
| Net loans and leases to deposits | 94.3100% | 1,238 |
| Net loans and leases to core deposits | 101.5785% | 1,861 |
| Total domestic deposits to total assets | 69.3435% | 7,369 |
| Equity capital to assets | 11.4915% | 2,451 |
| Core capital (leverage) ratio | 9.4600% | 3,880 |
| Tier 1 risk-based capital ratio | 12.6005% | 4,771 |
| Total risk-based capital ratio | 15.0741% | 3,823 |
| Memoranda: | ||
| Average total assets | $155,508,997,670 | 11 |
| Average earning assets | $129,211,292,670 | 12 |
| Average equity | $16,897,453,000 | 14 |
| Average total loans | $100,651,852,000 | 11 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9074% | 5,435 |
| Cost of funding earning assets | 1.1044% | 5,885 |
| Net interest margin | 3.8030% | 3,787 |
| Noninterest income to average assets | 1.4120% | 606 |
| Noninterest expense to average assets | 2.7327% | 4,756 |
| Loan and lease loss provision to assets | 1.2860% | 942 |
| Net operating income to assets | 0.5013% | 4,384 |
| Return on assets (ROA) | 0.3900% | 5,021 |
| Pretax return on assets | 0.4542% | 5,114 |
| Return on Equity (ROE) | 3.6888% | 5,036 |
| Retained earnings to average equity (ytd only) | 3.6888% | 3,943 |
| Net charge-offs to loans | 1.6167% | 1,074 |
| Credit loss provision to net charge-offs | 125.1052% | 2,805 |
| Earnings coverage of net charge-offs (x) | 1.8022% | 3,657 |
| Efficiency ratio | 57.9017% | 6,499 |
| Assets per employee ($millions) | 5.2941% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4290% | 1,392 |
| Loan loss allowance to noncurrent loans | 49.0555% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 4.2289% | 1,611 |
| Noncurrent loans to loans | 4.9515% | 1,468 |
| Net loans and leases to total assets | 61.8723% | 4,783 |
| Net loans and leases to deposits | 86.2987% | 2,531 |
| Net loans and leases to core deposits | 98.4697% | 2,299 |
| Total domestic deposits to total assets | 67.8376% | 7,534 |
| Equity capital to assets | 10.7332% | 3,021 |
| Core capital (leverage) ratio | 9.0836% | 4,406 |
| Tier 1 risk-based capital ratio | 12.3005% | 4,905 |
| Total risk-based capital ratio | 14.8195% | 3,909 |
| Memoranda: | ||
| Average total assets | $158,663,771,500 | 11 |
| Average earning assets | $132,387,814,500 | 11 |
| Average equity | $16,773,554,000 | 14 |
| Average total loans | $100,881,436,500 | 10 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9416% | 6,613 |
| Cost of funding earning assets | 1.3758% | 6,032 |
| Net interest margin | 3.5658% | 4,673 |
| Noninterest income to average assets | 1.8737% | 424 |
| Noninterest expense to average assets | 2.8108% | 4,931 |
| Loan and lease loss provision to assets | 1.6312% | 1,403 |
| Net operating income to assets | 0.4020% | 4,122 |
| Return on assets (ROA) | 0.4117% | 4,192 |
| Pretax return on assets | 0.4751% | 4,264 |
| Return on Equity (ROE) | 4.1509% | 4,023 |
| Retained earnings to average equity (ytd only) | 2.0324% | 3,684 |
| Net charge-offs to loans | 1.4932% | 1,677 |
| Credit loss provision to net charge-offs | 165.8708% | 2,624 |
| Earnings coverage of net charge-offs (x) | 2.1167% | 4,143 |
| Efficiency ratio | 55.9924% | 7,015 |
| Assets per employee ($millions) | 5.3158% | 1,824 |
| Cash dividends to net income (ytd only)* | 51.0381% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2849% | 1,505 |
| Loan loss allowance to noncurrent loans | 49.3853% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 3.9662% | 1,667 |
| Noncurrent loans to loans | 4.6268% | 1,523 |
| Net loans and leases to total assets | 62.2925% | 4,928 |
| Net loans and leases to deposits | 87.1211% | 2,715 |
| Net loans and leases to core deposits | 105.7482% | 3,368 |
| Total domestic deposits to total assets | 69.7049% | 7,447 |
| Equity capital to assets | 10.4124% | 3,270 |
| Core capital (leverage) ratio | 8.8990% | 4,588 |
| Tier 1 risk-based capital ratio | 11.1506% | 5,776 |
| Total risk-based capital ratio | 13.6013% | 4,600 |
| Memoranda: | ||
| Average total assets | $150,644,837,000 | 12 |
| Average earning assets | $127,534,109,800 | 12 |
| Average equity | $14,942,798,400 | 18 |
| Average total loans | $99,216,910,200 | 10 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9074% | 6,864 |
| Cost of funding earning assets | 1.4333% | 6,111 |
| Net interest margin | 3.4741% | 4,978 |
| Noninterest income to average assets | 1.9288% | 400 |
| Noninterest expense to average assets | 2.7423% | 5,138 |
| Loan and lease loss provision to assets | 1.6508% | 1,136 |
| Net operating income to assets | 0.4343% | 4,261 |
| Return on assets (ROA) | 0.4865% | 4,141 |
| Pretax return on assets | 0.5584% | 4,339 |
| Return on Equity (ROE) | 4.9707% | 3,978 |
| Retained earnings to average equity (ytd only) | 2.0642% | 4,169 |
| Net charge-offs to loans | 1.4339% | 1,442 |
| Credit loss provision to net charge-offs | 173.3083% | 2,672 |
| Earnings coverage of net charge-offs (x) | 2.2432% | 4,142 |
| Efficiency ratio | 54.8482% | 7,137 |
| Assets per employee ($millions) | 5.2092% | 1,878 |
| Cash dividends to net income (ytd only)* | 58.4721% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0696% | 1,648 |
| Loan loss allowance to noncurrent loans | 52.5218% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 3.4845% | 1,914 |
| Noncurrent loans to loans | 3.9405% | 1,868 |
| Net loans and leases to total assets | 63.2450% | 5,030 |
| Net loans and leases to deposits | 88.4549% | 2,875 |
| Net loans and leases to core deposits | 110.0500% | 3,232 |
| Total domestic deposits to total assets | 68.9744% | 7,497 |
| Equity capital to assets | 10.1772% | 3,870 |
| Core capital (leverage) ratio | 8.8781% | 4,847 |
| Tier 1 risk-based capital ratio | 11.6966% | 5,249 |
| Total risk-based capital ratio | 14.2734% | 4,109 |
| Memoranda: | ||
| Average total assets | $148,387,161,750 | 11 |
| Average earning assets | $126,013,040,250 | 11 |
| Average equity | $14,521,989,250 | 18 |
| Average total loans | $98,573,197,500 | 9 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9487% | 6,924 |
| Cost of funding earning assets | 1.5107% | 6,096 |
| Net interest margin | 3.4381% | 5,037 |
| Noninterest income to average assets | 2.0522% | 355 |
| Noninterest expense to average assets | 2.7214% | 5,300 |
| Loan and lease loss provision to assets | 1.6793% | 1,000 |
| Net operating income to assets | 0.4861% | 4,137 |
| Return on assets (ROA) | 0.5758% | 3,894 |
| Pretax return on assets | 0.7034% | 3,979 |
| Return on Equity (ROE) | 5.9709% | 3,662 |
| Retained earnings to average equity (ytd only) | 1.4367% | 4,529 |
| Net charge-offs to loans | 1.3998% | 1,341 |
| Credit loss provision to net charge-offs | 178.7790% | 2,560 |
| Earnings coverage of net charge-offs (x) | 2.3990% | 3,869 |
| Efficiency ratio | 53.4346% | 7,392 |
| Assets per employee ($millions) | 5.5627% | 1,530 |
| Cash dividends to net income (ytd only)* | 75.9379% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9371% | 1,702 |
| Loan loss allowance to noncurrent loans | 74.0992% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 2.5536% | 2,522 |
| Noncurrent loans to loans | 2.6141% | 2,766 |
| Net loans and leases to total assets | 64.7417% | 4,826 |
| Net loans and leases to deposits | 94.2759% | 2,051 |
| Net loans and leases to core deposits | 120.2785% | 2,349 |
| Total domestic deposits to total assets | 63.4997% | 7,852 |
| Equity capital to assets | 9.9586% | 4,002 |
| Core capital (leverage) ratio | 9.1215% | 4,428 |
| Tier 1 risk-based capital ratio | 11.4654% | 5,424 |
| Total risk-based capital ratio | 14.0281% | 4,212 |
| Memoranda: | ||
| Average total assets | $144,800,935,330 | 12 |
| Average earning assets | $123,090,859,670 | 11 |
| Average equity | $13,963,769,670 | 18 |
| Average total loans | $97,171,265,000 | 11 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0890% | 6,681 |
| Cost of funding earning assets | 1.5934% | 6,058 |
| Net interest margin | 3.4956% | 4,756 |
| Noninterest income to average assets | 1.9960% | 368 |
| Noninterest expense to average assets | 2.5048% | 5,832 |
| Loan and lease loss provision to assets | 1.6280% | 766 |
| Net operating income to assets | 0.6297% | 3,886 |
| Return on assets (ROA) | 0.8489% | 3,066 |
| Pretax return on assets | 1.1494% | 2,805 |
| Return on Equity (ROE) | 8.9531% | 2,743 |
| Retained earnings to average equity (ytd only) | -0.3619% | 5,735 |
| Net charge-offs to loans | 1.2355% | 1,136 |
| Credit loss provision to net charge-offs | 194.7360% | 2,268 |
| Earnings coverage of net charge-offs (x) | 2.9302% | 3,332 |
| Efficiency ratio | 49.2528% | 7,651 |
| Assets per employee ($millions) | 5.1165% | 1,941 |
| Cash dividends to net income (ytd only)* | 104.0421% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6718% | 2,236 |
| Loan loss allowance to noncurrent loans | 75.2193% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 2.2646% | 2,533 |
| Noncurrent loans to loans | 2.2225% | 2,952 |
| Net loans and leases to total assets | 69.0990% | 3,892 |
| Net loans and leases to deposits | 106.8616% | 804 |
| Net loans and leases to core deposits | 129.0941% | 1,713 |
| Total domestic deposits to total assets | 63.4448% | 7,866 |
| Equity capital to assets | 9.7806% | 4,257 |
| Core capital (leverage) ratio | 8.2296% | 6,039 |
| Tier 1 risk-based capital ratio | 10.6294% | 6,261 |
| Total risk-based capital ratio | 13.2872% | 4,820 |
| Memoranda: | ||
| Average total assets | $143,379,448,500 | 14 |
| Average earning assets | $121,344,647,500 | 11 |
| Average equity | $13,594,013,000 | 18 |
| Average total loans | $97,019,235,000 | 11 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7619% | 6,553 |
| Cost of funding earning assets | 2.3666% | 4,866 |
| Net interest margin | 3.3954% | 5,680 |
| Noninterest income to average assets | 1.8802% | 384 |
| Noninterest expense to average assets | 2.5915% | 5,682 |
| Loan and lease loss provision to assets | 0.8458% | 1,763 |
| Net operating income to assets | 0.9932% | 2,584 |
| Return on assets (ROA) | 1.0851% | 2,122 |
| Pretax return on assets | 1.5051% | 1,670 |
| Return on Equity (ROE) | 10.6664% | 2,023 |
| Retained earnings to average equity (ytd only) | 2.1118% | 3,918 |
| Net charge-offs to loans | 0.6829% | 1,800 |
| Credit loss provision to net charge-offs | 179.4371% | 2,815 |
| Earnings coverage of net charge-offs (x) | 4.7170% | 3,888 |
| Efficiency ratio | 52.4165% | 7,446 |
| Assets per employee ($millions) | 5.4069% | 1,528 |
| Cash dividends to net income (ytd only)* | 80.2014% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4063% | 3,158 |
| Loan loss allowance to noncurrent loans | 72.6876% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 1.6400% | 2,967 |
| Noncurrent loans to loans | 1.9347% | 2,853 |
| Net loans and leases to total assets | 64.2865% | 5,214 |
| Net loans and leases to deposits | 96.2483% | 2,409 |
| Net loans and leases to core deposits | 130.2482% | 1,833 |
| Total domestic deposits to total assets | 60.4291% | 7,952 |
| Equity capital to assets | 9.1984% | 5,084 |
| Core capital (leverage) ratio | 8.7005% | 5,195 |
| Tier 1 risk-based capital ratio | 9.7675% | 6,994 |
| Total risk-based capital ratio | 12.3016% | 5,565 |
| Memoranda: | ||
| Average total assets | $134,629,634,800 | 15 |
| Average earning assets | $116,364,756,800 | 13 |
| Average equity | $13,695,867,600 | 15 |
| Average total loans | $92,921,364,000 | 11 |