Home > Trustmark National Bank > Performance and Condition Ratios
Trustmark National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2815% | 1,522 |
| Cost of funding earning assets | 1.9044% | 1,059 |
| Net interest margin | 3.3771% | 2,454 |
| Noninterest income to average assets | 1.1200% | 534 |
| Noninterest expense to average assets | 2.9009% | 1,270 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.9389% | 2,407 |
| Return on assets (ROA) | 0.9391% | 2,392 |
| Pretax return on assets | 1.1260% | 2,329 |
| Return on Equity (ROE) | 10.3400% | 2,394 |
| Retained earnings to average equity (ytd only) | 6.3370% | 2,122 |
| Net charge-offs to loans | 0.0642% | 1,207 |
| Credit loss provision to net charge-offs | 333.3171% | 887 |
| Earnings coverage of net charge-offs (x) | 28.3416% | 1,665 |
| Efficiency ratio | 69.6512% | 1,922 |
| Assets per employee ($millions) | 6.7900% | 2,215 |
| Cash dividends to net income (ytd only)* | 38.7085% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0610% | 3,020 |
| Loan loss allowance to noncurrent loans | 88.7456% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.8756% | 574 |
| Noncurrent loans to loans | 1.1956% | 596 |
| Net loans and leases to total assets | 69.4200% | 1,876 |
| Net loans and leases to deposits | 83.0558% | 1,853 |
| Net loans and leases to core deposits | 91.2932% | 1,965 |
| Total domestic deposits to total assets | 83.5900% | 2,734 |
| Equity capital to assets | 9.4473% | 2,389 |
| Core capital (leverage) ratio | 8.7500% | 3,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6126% | 2,686 |
| Memoranda: | ||
| Average total assets | $18,483,317,800 | 101 |
| Average earning assets | $16,637,213,800 | 100 |
| Average equity | $1,678,840,000 | 107 |
| Average total loans | $12,784,457,200 | 97 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1966% | 1,456 |
| Cost of funding earning assets | 1.7947% | 1,013 |
| Net interest margin | 3.4019% | 2,452 |
| Noninterest income to average assets | 1.1400% | 533 |
| Noninterest expense to average assets | 2.8939% | 1,238 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.9801% | 2,423 |
| Return on assets (ROA) | 0.9801% | 2,418 |
| Pretax return on assets | 1.1723% | 2,362 |
| Return on Equity (ROE) | 10.9000% | 2,400 |
| Retained earnings to average equity (ytd only) | 6.7581% | 2,371 |
| Net charge-offs to loans | 0.0626% | 1,034 |
| Credit loss provision to net charge-offs | 331.8289% | 826 |
| Earnings coverage of net charge-offs (x) | 30.1809% | 1,592 |
| Efficiency ratio | 68.8800% | 1,918 |
| Assets per employee ($millions) | 6.6722% | 2,202 |
| Cash dividends to net income (ytd only)* | 38.0052% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0326% | 3,196 |
| Loan loss allowance to noncurrent loans | 97.6653% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.7761% | 715 |
| Noncurrent loans to loans | 1.0573% | 756 |
| Net loans and leases to total assets | 69.8600% | 1,845 |
| Net loans and leases to deposits | 84.6165% | 1,691 |
| Net loans and leases to core deposits | 94.1303% | 1,669 |
| Total domestic deposits to total assets | 82.5600% | 3,102 |
| Equity capital to assets | 9.1174% | 2,351 |
| Core capital (leverage) ratio | 8.6334% | 4,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4376% | 2,740 |
| Memoranda: | ||
| Average total assets | $18,424,164,750 | 102 |
| Average earning assets | $16,570,863,250 | 99 |
| Average equity | $1,656,416,000 | 109 |
| Average total loans | $12,696,737,500 | 96 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0345% | 1,505 |
| Cost of funding earning assets | 1.6343% | 990 |
| Net interest margin | 3.4001% | 2,511 |
| Noninterest income to average assets | 1.1400% | 470 |
| Noninterest expense to average assets | 2.8126% | 1,395 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.0781% | 2,182 |
| Return on assets (ROA) | 1.0781% | 2,185 |
| Pretax return on assets | 1.2781% | 2,139 |
| Return on Equity (ROE) | 12.0500% | 2,143 |
| Retained earnings to average equity (ytd only) | 7.9968% | 1,964 |
| Net charge-offs to loans | 0.0376% | 1,156 |
| Credit loss provision to net charge-offs | 483.1295% | 663 |
| Earnings coverage of net charge-offs (x) | 53.6799% | 1,251 |
| Efficiency ratio | 66.9652% | 2,108 |
| Assets per employee ($millions) | 6.6716% | 2,150 |
| Cash dividends to net income (ytd only)* | 33.6285% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 3,384 |
| Loan loss allowance to noncurrent loans | 112.7232% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.6289% | 848 |
| Noncurrent loans to loans | 0.8965% | 853 |
| Net loans and leases to total assets | 68.7600% | 1,874 |
| Net loans and leases to deposits | 84.4958% | 1,625 |
| Net loans and leases to core deposits | 91.9253% | 1,690 |
| Total domestic deposits to total assets | 81.3800% | 3,362 |
| Equity capital to assets | 9.1163% | 2,434 |
| Core capital (leverage) ratio | 8.5032% | 4,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4227% | 2,778 |
| Memoranda: | ||
| Average total assets | $18,436,059,667 | 100 |
| Average earning assets | $16,580,400,667 | 99 |
| Average equity | $1,649,701,667 | 107 |
| Average total loans | $12,602,482,333 | 96 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7890% | 1,651 |
| Cost of funding earning assets | 1.4237% | 987 |
| Net interest margin | 3.3653% | 2,720 |
| Noninterest income to average assets | 1.1100% | 490 |
| Noninterest expense to average assets | 2.7698% | 1,507 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.1336% | 2,115 |
| Return on assets (ROA) | 1.1336% | 2,083 |
| Pretax return on assets | 1.3505% | 2,015 |
| Return on Equity (ROE) | 12.7900% | 2,024 |
| Retained earnings to average equity (ytd only) | 8.4383% | 2,097 |
| Net charge-offs to loans | 0.0390% | 973 |
| Credit loss provision to net charge-offs | 266.1198% | 731 |
| Earnings coverage of net charge-offs (x) | 51.9065% | 1,095 |
| Efficiency ratio | 66.7194% | 2,123 |
| Assets per employee ($millions) | 6.8437% | 2,078 |
| Cash dividends to net income (ytd only)* | 34.0182% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9646% | 3,655 |
| Loan loss allowance to noncurrent loans | 105.2913% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.6240% | 812 |
| Noncurrent loans to loans | 0.9161% | 823 |
| Net loans and leases to total assets | 66.5000% | 2,009 |
| Net loans and leases to deposits | 84.4547% | 1,468 |
| Net loans and leases to core deposits | 88.7733% | 1,690 |
| Total domestic deposits to total assets | 78.7300% | 3,920 |
| Equity capital to assets | 8.8453% | 2,635 |
| Core capital (leverage) ratio | 8.4590% | 4,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2966% | 2,902 |
| Memoranda: | ||
| Average total assets | $18,443,977,500 | 102 |
| Average earning assets | $16,610,438,000 | 102 |
| Average equity | $1,634,926,500 | 109 |
| Average total loans | $12,506,193,000 | 99 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4341% | 3,256 |
| Cost of funding earning assets | 0.2547% | 3,284 |
| Net interest margin | 3.1794% | 2,929 |
| Noninterest income to average assets | 1.1700% | 494 |
| Noninterest expense to average assets | 3.4430% | 519 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 0.4500% | 4,169 |
| Return on assets (ROA) | 0.4500% | 4,130 |
| Pretax return on assets | 0.4732% | 4,203 |
| Return on Equity (ROE) | 4.6200% | 4,074 |
| Retained earnings to average equity (ytd only) | -0.6629% | 4,415 |
| Net charge-offs to loans | 0.0082% | 2,082 |
| Credit loss provision to net charge-offs | 2,356.1957% | 227 |
| Earnings coverage of net charge-offs (x) | 114.5717% | 906 |
| Efficiency ratio | 84.8616% | 454 |
| Assets per employee ($millions) | 6.5789% | 2,275 |
| Cash dividends to net income (ytd only)* | 114.3620% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9742% | 3,495 |
| Loan loss allowance to noncurrent loans | 100.8338% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.6729% | 733 |
| Noncurrent loans to loans | 0.9662% | 766 |
| Net loans and leases to total assets | 67.8300% | 1,847 |
| Net loans and leases to deposits | 84.1909% | 1,456 |
| Net loans and leases to core deposits | 85.7409% | 1,773 |
| Total domestic deposits to total assets | 80.5700% | 3,808 |
| Equity capital to assets | 8.8841% | 2,428 |
| Core capital (leverage) ratio | 8.6485% | 4,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2575% | 2,930 |
| Memoranda: | ||
| Average total assets | $17,436,613,800 | 109 |
| Average earning assets | $15,776,158,000 | 108 |
| Average equity | $1,699,988,600 | 113 |
| Average total loans | $11,287,606,400 | 106 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1070% | 3,662 |
| Cost of funding earning assets | 0.1046% | 4,247 |
| Net interest margin | 3.0025% | 3,213 |
| Noninterest income to average assets | 1.2300% | 490 |
| Noninterest expense to average assets | 2.8494% | 1,143 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.8535% | 3,051 |
| Return on assets (ROA) | 0.8535% | 3,032 |
| Pretax return on assets | 1.0151% | 2,974 |
| Return on Equity (ROE) | 8.5600% | 3,162 |
| Retained earnings to average equity (ytd only) | 2.8080% | 3,830 |
| Net charge-offs to loans | -0.0099% | 3,711 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.9616% | 1,514 |
| Assets per employee ($millions) | 6.3262% | 2,463 |
| Cash dividends to net income (ytd only)* | 67.1804% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9786% | 3,583 |
| Loan loss allowance to noncurrent loans | 97.1181% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 0.7065% | 737 |
| Noncurrent loans to loans | 1.0077% | 763 |
| Net loans and leases to total assets | 67.7300% | 1,705 |
| Net loans and leases to deposits | 80.2646% | 1,560 |
| Net loans and leases to core deposits | 81.1982% | 1,817 |
| Total domestic deposits to total assets | 84.3800% | 3,408 |
| Equity capital to assets | 9.4002% | 1,950 |
| Core capital (leverage) ratio | 9.1900% | 3,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1506% | 2,771 |
| Memoranda: | ||
| Average total assets | $17,292,480,750 | 111 |
| Average earning assets | $15,674,990,750 | 109 |
| Average equity | $1,724,907,500 | 111 |
| Average total loans | $11,024,691,750 | 110 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8051% | 3,966 |
| Cost of funding earning assets | 0.0735% | 4,437 |
| Net interest margin | 2.7317% | 3,637 |
| Noninterest income to average assets | 1.2328% | 456 |
| Noninterest expense to average assets | 2.8130% | 1,152 |
| Loan and lease loss provision to assets | -0.0094% | 4,396 |
| Net operating income to assets | 0.7682% | 3,074 |
| Return on assets (ROA) | 0.7682% | 3,038 |
| Pretax return on assets | 0.9118% | 3,017 |
| Return on Equity (ROE) | 7.5576% | 3,149 |
| Retained earnings to average equity (ytd only) | 2.0114% | 3,750 |
| Net charge-offs to loans | -0.0339% | 4,093 |
| Credit loss provision to net charge-offs | -101.5873% | 3,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4604% | 1,339 |
| Assets per employee ($millions) | 6.2153% | 2,553 |
| Cash dividends to net income (ytd only)* | 73.3863% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9252% | 3,878 |
| Loan loss allowance to noncurrent loans | 90.0299% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 779 |
| Noncurrent loans to loans | 1.0277% | 813 |
| Net loans and leases to total assets | 65.1623% | 1,795 |
| Net loans and leases to deposits | 74.3967% | 1,821 |
| Net loans and leases to core deposits | 75.4436% | 2,058 |
| Total domestic deposits to total assets | 87.5876% | 2,736 |
| Equity capital to assets | 10.0014% | 1,716 |
| Core capital (leverage) ratio | 8.9968% | 3,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5524% | 2,661 |
| Memoranda: | ||
| Average total assets | $17,327,212,667 | 110 |
| Average earning assets | $15,747,846,667 | 109 |
| Average equity | $1,761,299,333 | 114 |
| Average total loans | $10,780,897,333 | 109 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5976% | 4,120 |
| Cost of funding earning assets | 0.0723% | 4,426 |
| Net interest margin | 2.5253% | 3,847 |
| Noninterest income to average assets | 1.2357% | 468 |
| Noninterest expense to average assets | 2.7629% | 1,230 |
| Loan and lease loss provision to assets | -0.0449% | 4,505 |
| Net operating income to assets | 0.7014% | 3,053 |
| Return on assets (ROA) | 0.7014% | 3,045 |
| Pretax return on assets | 0.8200% | 3,046 |
| Return on Equity (ROE) | 6.8467% | 3,087 |
| Retained earnings to average equity (ytd only) | 1.0047% | 3,822 |
| Net charge-offs to loans | -0.0052% | 3,348 |
| Credit loss provision to net charge-offs | 627.7372% | 456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7811% | 1,334 |
| Assets per employee ($millions) | 6.3997% | 2,451 |
| Cash dividends to net income (ytd only)* | 85.3259% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9281% | 3,965 |
| Loan loss allowance to noncurrent loans | 77.1498% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 0.7521% | 746 |
| Noncurrent loans to loans | 1.2030% | 741 |
| Net loans and leases to total assets | 60.4358% | 2,019 |
| Net loans and leases to deposits | 69.3834% | 2,024 |
| Net loans and leases to core deposits | 70.3080% | 2,267 |
| Total domestic deposits to total assets | 87.1040% | 2,889 |
| Equity capital to assets | 9.9729% | 1,908 |
| Core capital (leverage) ratio | 8.8591% | 3,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8094% | 2,675 |
| Memoranda: | ||
| Average total assets | $17,516,257,500 | 112 |
| Average earning assets | $15,968,988,000 | 111 |
| Average equity | $1,794,370,000 | 116 |
| Average total loans | $10,597,558,500 | 111 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8433% | 4,142 |
| Cost of funding earning assets | 0.1174% | 4,249 |
| Net interest margin | 2.7259% | 3,828 |
| Noninterest income to average assets | 1.2817% | 648 |
| Noninterest expense to average assets | 2.8327% | 1,282 |
| Loan and lease loss provision to assets | -0.1430% | 4,618 |
| Net operating income to assets | 0.8975% | 3,057 |
| Return on assets (ROA) | 0.8975% | 3,113 |
| Pretax return on assets | 1.0733% | 3,054 |
| Return on Equity (ROE) | 8.4327% | 3,098 |
| Retained earnings to average equity (ytd only) | 5.9438% | 2,387 |
| Net charge-offs to loans | -0.0340% | 4,167 |
| Credit loss provision to net charge-offs | 589.0137% | 734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9179% | 1,220 |
| Assets per employee ($millions) | 6.5354% | 2,304 |
| Cash dividends to net income (ytd only)* | 29.5154% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 3,959 |
| Loan loss allowance to noncurrent loans | 73.8233% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 0.7917% | 758 |
| Noncurrent loans to loans | 1.2762% | 750 |
| Net loans and leases to total assets | 59.4397% | 2,216 |
| Net loans and leases to deposits | 68.9680% | 2,225 |
| Net loans and leases to core deposits | 69.8597% | 2,460 |
| Total domestic deposits to total assets | 86.1844% | 2,841 |
| Equity capital to assets | 10.5128% | 2,166 |
| Core capital (leverage) ratio | 8.9389% | 3,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8436% | 2,691 |
| Memoranda: | ||
| Average total assets | $17,095,616,600 | 113 |
| Average earning assets | $15,562,057,400 | 112 |
| Average equity | $1,819,401,000 | 122 |
| Average total loans | $10,744,550,400 | 110 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9311% | 4,117 |
| Cost of funding earning assets | 0.1270% | 4,289 |
| Net interest margin | 2.8040% | 3,770 |
| Noninterest income to average assets | 1.3241% | 673 |
| Noninterest expense to average assets | 2.8722% | 1,184 |
| Loan and lease loss provision to assets | -0.1797% | 4,726 |
| Net operating income to assets | 0.9872% | 2,957 |
| Return on assets (ROA) | 0.9872% | 3,036 |
| Pretax return on assets | 1.1803% | 2,990 |
| Return on Equity (ROE) | 9.2470% | 3,021 |
| Retained earnings to average equity (ytd only) | 7.0202% | 2,412 |
| Net charge-offs to loans | -0.0463% | 4,325 |
| Credit loss provision to net charge-offs | 452.7859% | 807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8045% | 1,229 |
| Assets per employee ($millions) | 6.4786% | 2,269 |
| Cash dividends to net income (ytd only)* | 24.0815% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9858% | 3,896 |
| Loan loss allowance to noncurrent loans | 73.3136% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 0.8534% | 819 |
| Noncurrent loans to loans | 1.3447% | 795 |
| Net loans and leases to total assets | 60.2022% | 2,228 |
| Net loans and leases to deposits | 69.5574% | 2,284 |
| Net loans and leases to core deposits | 70.5133% | 2,549 |
| Total domestic deposits to total assets | 86.5504% | 2,530 |
| Equity capital to assets | 10.6505% | 2,320 |
| Core capital (leverage) ratio | 8.9781% | 3,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0572% | 2,689 |
| Memoranda: | ||
| Average total assets | $16,971,191,000 | 113 |
| Average earning assets | $15,425,604,000 | 112 |
| Average equity | $1,811,865,750 | 123 |
| Average total loans | $10,791,470,250 | 112 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0786% | 3,908 |
| Cost of funding earning assets | 0.1399% | 4,281 |
| Net interest margin | 2.9388% | 3,480 |
| Noninterest income to average assets | 1.3725% | 630 |
| Noninterest expense to average assets | 2.8234% | 1,306 |
| Loan and lease loss provision to assets | -0.2296% | 4,785 |
| Net operating income to assets | 1.2224% | 2,101 |
| Return on assets (ROA) | 1.2224% | 2,176 |
| Pretax return on assets | 1.4470% | 2,184 |
| Return on Equity (ROE) | 11.4408% | 2,257 |
| Retained earnings to average equity (ytd only) | 8.8957% | 1,740 |
| Net charge-offs to loans | -0.0224% | 4,036 |
| Credit loss provision to net charge-offs | 1,189.8194% | 425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5136% | 1,702 |
| Assets per employee ($millions) | 6.1674% | 2,464 |
| Cash dividends to net income (ytd only)* | 22.2453% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 3,900 |
| Loan loss allowance to noncurrent loans | 77.9803% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 0.8356% | 940 |
| Noncurrent loans to loans | 1.2525% | 949 |
| Net loans and leases to total assets | 61.6932% | 2,212 |
| Net loans and leases to deposits | 71.4879% | 2,258 |
| Net loans and leases to core deposits | 72.5413% | 2,560 |
| Total domestic deposits to total assets | 86.2988% | 2,631 |
| Equity capital to assets | 10.7695% | 2,172 |
| Core capital (leverage) ratio | 8.9606% | 3,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0199% | 2,716 |
| Memoranda: | ||
| Average total assets | $16,840,734,667 | 113 |
| Average earning assets | $15,291,249,667 | 112 |
| Average equity | $1,799,424,000 | 122 |
| Average total loans | $10,869,719,000 | 110 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8864% | 4,280 |
| Cost of funding earning assets | 0.1493% | 4,307 |
| Net interest margin | 2.7371% | 3,889 |
| Noninterest income to average assets | 1.4478% | 644 |
| Noninterest expense to average assets | 2.8961% | 1,163 |
| Loan and lease loss provision to assets | -0.4755% | 4,913 |
| Net operating income to assets | 1.2780% | 1,897 |
| Return on assets (ROA) | 1.2780% | 1,969 |
| Pretax return on assets | 1.5115% | 1,960 |
| Return on Equity (ROE) | 12.0095% | 2,012 |
| Retained earnings to average equity (ytd only) | 8.0465% | 2,220 |
| Net charge-offs to loans | -0.0869% | 4,591 |
| Credit loss provision to net charge-offs | 440.1090% | 621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2473% | 1,377 |
| Assets per employee ($millions) | 6.0424% | 2,562 |
| Cash dividends to net income (ytd only)* | 32.9987% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9858% | 3,892 |
| Loan loss allowance to noncurrent loans | 62.1562% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 1.1041% | 716 |
| Noncurrent loans to loans | 1.5860% | 768 |
| Net loans and leases to total assets | 64.9861% | 1,923 |
| Net loans and leases to deposits | 75.4383% | 1,973 |
| Net loans and leases to core deposits | 76.6032% | 2,300 |
| Total domestic deposits to total assets | 86.1446% | 2,685 |
| Equity capital to assets | 10.6055% | 2,169 |
| Core capital (leverage) ratio | 8.8728% | 3,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7293% | 2,759 |
| Memoranda: | ||
| Average total assets | $16,713,092,500 | 114 |
| Average earning assets | $15,169,453,000 | 113 |
| Average equity | $1,778,561,000 | 123 |
| Average total loans | $10,979,018,500 | 110 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4616% | 4,093 |
| Cost of funding earning assets | 0.2931% | 4,187 |
| Net interest margin | 3.1685% | 3,439 |
| Noninterest income to average assets | 1.8172% | 390 |
| Noninterest expense to average assets | 3.1372% | 1,163 |
| Loan and lease loss provision to assets | 0.2398% | 1,626 |
| Net operating income to assets | 1.0820% | 1,983 |
| Return on assets (ROA) | 1.0820% | 2,117 |
| Pretax return on assets | 1.2860% | 2,027 |
| Return on Equity (ROE) | 9.4342% | 2,225 |
| Retained earnings to average equity (ytd only) | 3.1101% | 3,288 |
| Net charge-offs to loans | 0.0177% | 2,737 |
| Credit loss provision to net charge-offs | 1,934.2796% | 453 |
| Earnings coverage of net charge-offs (x) | 123.0937% | 694 |
| Efficiency ratio | 66.8439% | 2,380 |
| Assets per employee ($millions) | 5.9170% | 2,417 |
| Cash dividends to net income (ytd only)* | 67.0338% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0780% | 3,569 |
| Loan loss allowance to noncurrent loans | 63.7141% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.1829% | 744 |
| Noncurrent loans to loans | 1.6920% | 758 |
| Net loans and leases to total assets | 65.0415% | 2,219 |
| Net loans and leases to deposits | 75.7674% | 2,305 |
| Net loans and leases to core deposits | 77.1587% | 2,625 |
| Total domestic deposits to total assets | 85.8437% | 2,434 |
| Equity capital to assets | 10.6787% | 2,538 |
| Core capital (leverage) ratio | 9.0666% | 3,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7340% | 2,718 |
| Memoranda: | ||
| Average total assets | $15,061,942,400 | 117 |
| Average earning assets | $13,528,145,600 | 117 |
| Average equity | $1,727,401,600 | 122 |
| Average total loans | $10,528,254,600 | 110 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5407% | 4,136 |
| Cost of funding earning assets | 0.3331% | 4,135 |
| Net interest margin | 3.2076% | 3,471 |
| Noninterest income to average assets | 1.8735% | 349 |
| Noninterest expense to average assets | 3.2041% | 1,070 |
| Loan and lease loss provision to assets | 0.3678% | 1,010 |
| Net operating income to assets | 1.0058% | 2,319 |
| Return on assets (ROA) | 1.0058% | 2,446 |
| Pretax return on assets | 1.1741% | 2,475 |
| Return on Equity (ROE) | 8.6034% | 2,565 |
| Retained earnings to average equity (ytd only) | 2.0829% | 3,906 |
| Net charge-offs to loans | 0.0201% | 2,455 |
| Credit loss provision to net charge-offs | 2,571.4467% | 393 |
| Earnings coverage of net charge-offs (x) | 107.7970% | 754 |
| Efficiency ratio | 67.0711% | 2,305 |
| Assets per employee ($millions) | 5.5399% | 2,670 |
| Cash dividends to net income (ytd only)* | 75.7896% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0819% | 3,295 |
| Loan loss allowance to noncurrent loans | 69.3562% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.2353% | 796 |
| Noncurrent loans to loans | 1.5600% | 908 |
| Net loans and leases to total assets | 71.7086% | 1,713 |
| Net loans and leases to deposits | 84.2072% | 1,889 |
| Net loans and leases to core deposits | 86.0571% | 2,296 |
| Total domestic deposits to total assets | 85.1573% | 2,374 |
| Equity capital to assets | 11.2230% | 2,215 |
| Core capital (leverage) ratio | 8.9967% | 3,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5974% | 2,763 |
| Memoranda: | ||
| Average total assets | $14,689,954,000 | 117 |
| Average earning assets | $13,155,966,250 | 119 |
| Average equity | $1,717,424,750 | 120 |
| Average total loans | $10,439,916,000 | 110 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6526% | 4,168 |
| Cost of funding earning assets | 0.3891% | 4,081 |
| Net interest margin | 3.2636% | 3,481 |
| Noninterest income to average assets | 1.8565% | 322 |
| Noninterest expense to average assets | 3.3393% | 936 |
| Loan and lease loss provision to assets | 0.5384% | 629 |
| Net operating income to assets | 0.7754% | 3,134 |
| Return on assets (ROA) | 0.7754% | 3,245 |
| Pretax return on assets | 0.8950% | 3,323 |
| Return on Equity (ROE) | 6.5378% | 3,314 |
| Retained earnings to average equity (ytd only) | -0.3371% | 4,369 |
| Net charge-offs to loans | 0.0519% | 1,745 |
| Credit loss provision to net charge-offs | 1,469.5224% | 610 |
| Earnings coverage of net charge-offs (x) | 39.1240% | 1,262 |
| Efficiency ratio | 69.5168% | 2,017 |
| Assets per employee ($millions) | 5.6076% | 2,536 |
| Cash dividends to net income (ytd only)* | 105.1566% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 3,136 |
| Loan loss allowance to noncurrent loans | 111.3168% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.7989% | 1,553 |
| Noncurrent loans to loans | 0.9774% | 1,584 |
| Net loans and leases to total assets | 69.0600% | 2,177 |
| Net loans and leases to deposits | 80.1438% | 2,404 |
| Net loans and leases to core deposits | 81.8901% | 2,783 |
| Total domestic deposits to total assets | 86.1701% | 1,936 |
| Equity capital to assets | 10.9611% | 2,378 |
| Core capital (leverage) ratio | 8.9366% | 3,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7956% | 2,693 |
| Memoranda: | ||
| Average total assets | $14,401,226,333 | 118 |
| Average earning assets | $12,868,282,000 | 117 |
| Average equity | $1,707,946,333 | 120 |
| Average total loans | $10,160,854,333 | 113 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9339% | 3,971 |
| Cost of funding earning assets | 0.5187% | 3,854 |
| Net interest margin | 3.4152% | 3,253 |
| Noninterest income to average assets | 1.8666% | 294 |
| Noninterest expense to average assets | 3.5552% | 860 |
| Loan and lease loss provision to assets | 0.5984% | 464 |
| Net operating income to assets | 0.6684% | 3,373 |
| Return on assets (ROA) | 0.6684% | 3,442 |
| Pretax return on assets | 0.7516% | 3,544 |
| Return on Equity (ROE) | 5.4020% | 3,505 |
| Retained earnings to average equity (ytd only) | -4.7644% | 4,503 |
| Net charge-offs to loans | 0.1261% | 955 |
| Credit loss provision to net charge-offs | 668.8658% | 742 |
| Earnings coverage of net charge-offs (x) | 15.0894% | 1,579 |
| Efficiency ratio | 71.9968% | 2,075 |
| Assets per employee ($millions) | 5.0771% | 2,563 |
| Cash dividends to net income (ytd only)* | 188.1972% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 3,618 |
| Loan loss allowance to noncurrent loans | 103.3939% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.8711% | 1,528 |
| Noncurrent loans to loans | 0.9831% | 1,681 |
| Net loans and leases to total assets | 69.8595% | 2,270 |
| Net loans and leases to deposits | 84.4903% | 2,170 |
| Net loans and leases to core deposits | 86.7904% | 2,614 |
| Total domestic deposits to total assets | 82.6836% | 3,212 |
| Equity capital to assets | 12.1150% | 1,985 |
| Core capital (leverage) ratio | 10.0706% | 3,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6031% | 2,884 |
| Memoranda: | ||
| Average total assets | $13,756,853,000 | 118 |
| Average earning assets | $12,240,117,000 | 117 |
| Average equity | $1,702,023,000 | 122 |
| Average total loans | $9,763,942,500 | 114 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2471% | 3,690 |
| Cost of funding earning assets | 0.6805% | 3,260 |
| Net interest margin | 3.5666% | 3,239 |
| Noninterest income to average assets | 1.3669% | 517 |
| Noninterest expense to average assets | 3.1496% | 1,646 |
| Loan and lease loss provision to assets | 0.0804% | 2,387 |
| Net operating income to assets | 1.1373% | 2,299 |
| Return on assets (ROA) | 1.1373% | 2,401 |
| Pretax return on assets | 1.3173% | 2,451 |
| Return on Equity (ROE) | 9.2020% | 2,656 |
| Retained earnings to average equity (ytd only) | 1.9795% | 4,011 |
| Net charge-offs to loans | 0.0666% | 2,136 |
| Credit loss provision to net charge-offs | 172.9260% | 1,500 |
| Earnings coverage of net charge-offs (x) | 30.0533% | 1,583 |
| Efficiency ratio | 68.5907% | 2,374 |
| Assets per employee ($millions) | 4.7454% | 2,898 |
| Cash dividends to net income (ytd only)* | 78.4880% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8832% | 4,040 |
| Loan loss allowance to noncurrent loans | 87.8841% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 0.9341% | 1,359 |
| Noncurrent loans to loans | 1.0050% | 1,509 |
| Net loans and leases to total assets | 70.7582% | 2,281 |
| Net loans and leases to deposits | 84.7994% | 2,237 |
| Net loans and leases to core deposits | 87.2151% | 2,684 |
| Total domestic deposits to total assets | 83.4418% | 3,052 |
| Equity capital to assets | 12.6393% | 1,743 |
| Core capital (leverage) ratio | 10.3501% | 3,138 |
| Tier 1 risk-based capital ratio | 12.2980% | 4,186 |
| Total risk-based capital ratio | 13.0715% | 4,337 |
| Memoranda: | ||
| Average total assets | $13,476,748,800 | 115 |
| Average earning assets | $12,017,870,200 | 113 |
| Average equity | $1,665,602,600 | 121 |
| Average total loans | $9,406,913,600 | 115 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2808% | 3,713 |
| Cost of funding earning assets | 0.7020% | 3,216 |
| Net interest margin | 3.5788% | 3,307 |
| Noninterest income to average assets | 1.3637% | 493 |
| Noninterest expense to average assets | 3.1275% | 1,647 |
| Loan and lease loss provision to assets | 0.0711% | 2,458 |
| Net operating income to assets | 1.1741% | 2,290 |
| Return on assets (ROA) | 1.1741% | 2,367 |
| Pretax return on assets | 1.3571% | 2,472 |
| Return on Equity (ROE) | 9.5538% | 2,645 |
| Retained earnings to average equity (ytd only) | 1.3087% | 4,490 |
| Net charge-offs to loans | 0.0460% | 2,176 |
| Credit loss provision to net charge-offs | 222.5666% | 1,206 |
| Earnings coverage of net charge-offs (x) | 44.7328% | 1,275 |
| Efficiency ratio | 67.9737% | 2,427 |
| Assets per employee ($millions) | 4.7911% | 2,803 |
| Cash dividends to net income (ytd only)* | 86.3018% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8802% | 4,126 |
| Loan loss allowance to noncurrent loans | 85.3136% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.9644% | 1,397 |
| Noncurrent loans to loans | 1.0317% | 1,556 |
| Net loans and leases to total assets | 70.0375% | 2,469 |
| Net loans and leases to deposits | 84.4134% | 2,403 |
| Net loans and leases to core deposits | 86.9115% | 2,827 |
| Total domestic deposits to total assets | 82.9695% | 3,180 |
| Equity capital to assets | 12.4461% | 1,954 |
| Core capital (leverage) ratio | 10.2095% | 3,414 |
| Tier 1 risk-based capital ratio | 12.1989% | 4,311 |
| Total risk-based capital ratio | 12.9716% | 4,457 |
| Memoranda: | ||
| Average total assets | $13,471,950,000 | 114 |
| Average earning assets | $12,016,004,000 | 113 |
| Average equity | $1,655,556,250 | 121 |
| Average total loans | $9,349,998,000 | 115 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2612% | 3,758 |
| Cost of funding earning assets | 0.7009% | 3,164 |
| Net interest margin | 3.5603% | 3,399 |
| Noninterest income to average assets | 1.3354% | 492 |
| Noninterest expense to average assets | 3.1232% | 1,674 |
| Loan and lease loss provision to assets | 0.0637% | 2,540 |
| Net operating income to assets | 1.1450% | 2,343 |
| Return on assets (ROA) | 1.1450% | 2,420 |
| Pretax return on assets | 1.3275% | 2,449 |
| Return on Equity (ROE) | 9.3577% | 2,702 |
| Retained earnings to average equity (ytd only) | -0.6263% | 4,777 |
| Net charge-offs to loans | 0.0649% | 1,729 |
| Credit loss provision to net charge-offs | 142.4626% | 1,548 |
| Earnings coverage of net charge-offs (x) | 31.0992% | 1,435 |
| Efficiency ratio | 68.4933% | 2,446 |
| Assets per employee ($millions) | 4.8053% | 2,733 |
| Cash dividends to net income (ytd only)* | 106.6930% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8660% | 4,214 |
| Loan loss allowance to noncurrent loans | 86.2765% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 0.9305% | 1,496 |
| Noncurrent loans to loans | 1.0038% | 1,636 |
| Net loans and leases to total assets | 69.1213% | 2,659 |
| Net loans and leases to deposits | 80.8416% | 2,863 |
| Net loans and leases to core deposits | 83.7246% | 3,130 |
| Total domestic deposits to total assets | 85.5021% | 2,262 |
| Equity capital to assets | 12.2828% | 1,999 |
| Core capital (leverage) ratio | 9.9018% | 3,701 |
| Tier 1 risk-based capital ratio | 12.1362% | 4,339 |
| Total risk-based capital ratio | 12.8940% | 4,506 |
| Memoranda: | ||
| Average total assets | $13,435,024,000 | 115 |
| Average earning assets | $11,995,871,330 | 114 |
| Average equity | $1,643,900,330 | 120 |
| Average total loans | $9,267,506,670 | 115 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1975% | 3,876 |
| Cost of funding earning assets | 0.6743% | 3,181 |
| Net interest margin | 3.5232% | 3,528 |
| Noninterest income to average assets | 1.1946% | 568 |
| Noninterest expense to average assets | 3.1093% | 1,712 |
| Loan and lease loss provision to assets | 0.0505% | 2,643 |
| Net operating income to assets | 1.0190% | 2,778 |
| Return on assets (ROA) | 1.0190% | 2,820 |
| Pretax return on assets | 1.1833% | 2,865 |
| Return on Equity (ROE) | 8.3438% | 3,098 |
| Retained earnings to average equity (ytd only) | -4.6609% | 4,910 |
| Net charge-offs to loans | 0.0831% | 1,264 |
| Credit loss provision to net charge-offs | 88.5220% | 1,730 |
| Earnings coverage of net charge-offs (x) | 21.6289% | 1,526 |
| Efficiency ratio | 70.8343% | 2,216 |
| Assets per employee ($millions) | 4.7464% | 2,854 |
| Cash dividends to net income (ytd only)* | 155.8607% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8671% | 4,281 |
| Loan loss allowance to noncurrent loans | 79.6355% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 0.9868% | 1,418 |
| Noncurrent loans to loans | 1.0888% | 1,527 |
| Net loans and leases to total assets | 68.1309% | 2,744 |
| Net loans and leases to deposits | 79.4842% | 2,893 |
| Net loans and leases to core deposits | 82.4347% | 3,153 |
| Total domestic deposits to total assets | 85.7163% | 2,400 |
| Equity capital to assets | 12.1142% | 1,955 |
| Core capital (leverage) ratio | 9.9223% | 3,686 |
| Tier 1 risk-based capital ratio | 12.2732% | 4,316 |
| Total risk-based capital ratio | 13.0347% | 4,477 |
| Memoranda: | ||
| Average total assets | $13,379,499,500 | 114 |
| Average earning assets | $11,956,610,500 | 114 |
| Average equity | $1,633,933,000 | 120 |
| Average total loans | $9,178,748,500 | 115 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0214% | 3,962 |
| Cost of funding earning assets | 0.5307% | 3,174 |
| Net interest margin | 3.4907% | 3,736 |
| Noninterest income to average assets | 1.3618% | 491 |
| Noninterest expense to average assets | 3.0573% | 1,901 |
| Loan and lease loss provision to assets | 0.1258% | 1,743 |
| Net operating income to assets | 1.1288% | 2,483 |
| Return on assets (ROA) | 1.1288% | 2,481 |
| Pretax return on assets | 1.3006% | 2,495 |
| Return on Equity (ROE) | 9.3624% | 2,807 |
| Retained earnings to average equity (ytd only) | 1.4617% | 4,549 |
| Net charge-offs to loans | 0.1915% | 1,000 |
| Credit loss provision to net charge-offs | 98.3159% | 2,593 |
| Earnings coverage of net charge-offs (x) | 11.1447% | 2,653 |
| Efficiency ratio | 67.3189% | 2,653 |
| Assets per employee ($millions) | 4.6513% | 2,959 |
| Cash dividends to net income (ytd only)* | 84.3874% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8852% | 4,227 |
| Loan loss allowance to noncurrent loans | 79.4014% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.0244% | 1,335 |
| Noncurrent loans to loans | 1.1148% | 1,450 |
| Net loans and leases to total assets | 67.8714% | 2,892 |
| Net loans and leases to deposits | 79.2215% | 3,037 |
| Net loans and leases to core deposits | 82.3354% | 3,234 |
| Total domestic deposits to total assets | 85.6730% | 2,371 |
| Equity capital to assets | 12.3116% | 1,695 |
| Core capital (leverage) ratio | 10.1269% | 3,425 |
| Tier 1 risk-based capital ratio | 12.1436% | 4,329 |
| Total risk-based capital ratio | 12.8892% | 4,536 |
| Memoranda: | ||
| Average total assets | $13,499,758,600 | 109 |
| Average earning assets | $12,073,756,200 | 109 |
| Average equity | $1,627,613,800 | 112 |
| Average total loans | $9,022,510,800 | 112 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9668% | 4,030 |
| Cost of funding earning assets | 0.4934% | 3,240 |
| Net interest margin | 3.4734% | 3,792 |
| Noninterest income to average assets | 1.3754% | 501 |
| Noninterest expense to average assets | 3.0370% | 1,912 |
| Loan and lease loss provision to assets | 0.1480% | 1,343 |
| Net operating income to assets | 1.1315% | 2,523 |
| Return on assets (ROA) | 1.1315% | 2,538 |
| Pretax return on assets | 1.2968% | 2,641 |
| Return on Equity (ROE) | 9.4339% | 2,882 |
| Retained earnings to average equity (ytd only) | 4.7179% | 3,386 |
| Net charge-offs to loans | 0.0780% | 1,741 |
| Credit loss provision to net charge-offs | 285.6085% | 1,065 |
| Earnings coverage of net charge-offs (x) | 27.8840% | 1,690 |
| Efficiency ratio | 66.8925% | 2,729 |
| Assets per employee ($millions) | 4.6509% | 2,912 |
| Cash dividends to net income (ytd only)* | 49.9896% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 3,767 |
| Loan loss allowance to noncurrent loans | 86.2143% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 1.0535% | 1,370 |
| Noncurrent loans to loans | 1.1595% | 1,456 |
| Net loans and leases to total assets | 66.7712% | 3,094 |
| Net loans and leases to deposits | 81.7605% | 2,845 |
| Net loans and leases to core deposits | 85.0473% | 3,078 |
| Total domestic deposits to total assets | 81.6668% | 3,699 |
| Equity capital to assets | 12.2348% | 1,750 |
| Core capital (leverage) ratio | 10.2851% | 3,309 |
| Tier 1 risk-based capital ratio | 12.5879% | 4,164 |
| Total risk-based capital ratio | 13.4363% | 4,287 |
| Memoranda: | ||
| Average total assets | $13,553,683,750 | 109 |
| Average earning assets | $12,121,057,000 | 109 |
| Average equity | $1,625,646,750 | 110 |
| Average total loans | $9,003,988,750 | 110 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8807% | 4,126 |
| Cost of funding earning assets | 0.4541% | 3,324 |
| Net interest margin | 3.4266% | 3,875 |
| Noninterest income to average assets | 1.3742% | 501 |
| Noninterest expense to average assets | 3.0099% | 2,019 |
| Loan and lease loss provision to assets | 0.1006% | 1,935 |
| Net operating income to assets | 1.1489% | 2,395 |
| Return on assets (ROA) | 1.1489% | 2,398 |
| Pretax return on assets | 1.3280% | 2,402 |
| Return on Equity (ROE) | 9.6427% | 2,742 |
| Retained earnings to average equity (ytd only) | 4.5857% | 3,297 |
| Net charge-offs to loans | 0.0231% | 2,404 |
| Credit loss provision to net charge-offs | 659.3057% | 590 |
| Earnings coverage of net charge-offs (x) | 93.6316% | 729 |
| Efficiency ratio | 66.9237% | 2,838 |
| Assets per employee ($millions) | 4.6788% | 2,842 |
| Cash dividends to net income (ytd only)* | 52.4435% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 4,079 |
| Loan loss allowance to noncurrent loans | 87.3880% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 1.0263% | 1,465 |
| Noncurrent loans to loans | 1.0954% | 1,611 |
| Net loans and leases to total assets | 66.2756% | 3,101 |
| Net loans and leases to deposits | 80.8216% | 2,869 |
| Net loans and leases to core deposits | 83.6397% | 3,110 |
| Total domestic deposits to total assets | 82.0024% | 3,724 |
| Equity capital to assets | 12.0438% | 1,830 |
| Core capital (leverage) ratio | 10.1019% | 3,477 |
| Tier 1 risk-based capital ratio | 12.4145% | 4,236 |
| Total risk-based capital ratio | 13.2294% | 4,390 |
| Memoranda: | ||
| Average total assets | $13,592,741,330 | 109 |
| Average earning assets | $12,156,022,670 | 109 |
| Average equity | $1,619,552,330 | 110 |
| Average total loans | $8,984,548,670 | 110 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7876% | 4,253 |
| Cost of funding earning assets | 0.4267% | 3,389 |
| Net interest margin | 3.3609% | 4,019 |
| Noninterest income to average assets | 1.3624% | 504 |
| Noninterest expense to average assets | 2.9848% | 2,100 |
| Loan and lease loss provision to assets | 0.1207% | 1,567 |
| Net operating income to assets | 1.1009% | 2,413 |
| Return on assets (ROA) | 1.1009% | 2,428 |
| Pretax return on assets | 1.2683% | 2,483 |
| Return on Equity (ROE) | 9.2896% | 2,773 |
| Retained earnings to average equity (ytd only) | 4.5846% | 3,370 |
| Net charge-offs to loans | -0.0271% | 4,695 |
| Credit loss provision to net charge-offs | -678.3828% | 4,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3049% | 2,954 |
| Assets per employee ($millions) | 4.6336% | 2,959 |
| Cash dividends to net income (ytd only)* | 50.6479% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9617% | 4,161 |
| Loan loss allowance to noncurrent loans | 79.2853% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 1.0953% | 1,417 |
| Noncurrent loans to loans | 1.2130% | 1,495 |
| Net loans and leases to total assets | 65.4334% | 3,120 |
| Net loans and leases to deposits | 80.1357% | 2,796 |
| Net loans and leases to core deposits | 82.8333% | 3,077 |
| Total domestic deposits to total assets | 81.6532% | 4,051 |
| Equity capital to assets | 11.9958% | 1,791 |
| Core capital (leverage) ratio | 9.8446% | 3,716 |
| Tier 1 risk-based capital ratio | 12.4588% | 4,274 |
| Total risk-based capital ratio | 13.2776% | 4,422 |
| Memoranda: | ||
| Average total assets | $13,628,179,500 | 109 |
| Average earning assets | $12,210,668,000 | 109 |
| Average equity | $1,615,054,000 | 111 |
| Average total loans | $8,952,669,500 | 110 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6944% | 4,350 |
| Cost of funding earning assets | 0.3287% | 3,888 |
| Net interest margin | 3.3657% | 3,947 |
| Noninterest income to average assets | 1.3386% | 585 |
| Noninterest expense to average assets | 3.1298% | 1,775 |
| Loan and lease loss provision to assets | 0.0563% | 3,103 |
| Net operating income to assets | 0.7882% | 3,213 |
| Return on assets (ROA) | 0.7883% | 3,254 |
| Pretax return on assets | 1.1552% | 2,964 |
| Return on Equity (ROE) | 6.7455% | 3,412 |
| Retained earnings to average equity (ytd only) | 2.6395% | 3,742 |
| Net charge-offs to loans | 0.1100% | 1,968 |
| Credit loss provision to net charge-offs | 80.6178% | 2,932 |
| Earnings coverage of net charge-offs (x) | 17.3572% | 2,134 |
| Efficiency ratio | 71.0584% | 2,388 |
| Assets per employee ($millions) | 4.7686% | 2,774 |
| Cash dividends to net income (ytd only)* | 60.8701% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8967% | 4,483 |
| Loan loss allowance to noncurrent loans | 74.8065% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.0964% | 1,387 |
| Noncurrent loans to loans | 1.1987% | 1,483 |
| Net loans and leases to total assets | 64.7392% | 3,266 |
| Net loans and leases to deposits | 84.3010% | 2,459 |
| Net loans and leases to core deposits | 87.4450% | 2,771 |
| Total domestic deposits to total assets | 76.7953% | 4,883 |
| Equity capital to assets | 11.7094% | 2,026 |
| Core capital (leverage) ratio | 9.5448% | 3,986 |
| Tier 1 risk-based capital ratio | 12.1602% | 4,424 |
| Total risk-based capital ratio | 12.9252% | 4,624 |
| Memoranda: | ||
| Average total assets | $13,684,451,200 | 104 |
| Average earning assets | $12,208,088,800 | 105 |
| Average equity | $1,599,207,800 | 107 |
| Average total loans | $8,683,646,800 | 110 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6545% | 4,436 |
| Cost of funding earning assets | 0.3034% | 4,095 |
| Net interest margin | 3.3511% | 4,011 |
| Noninterest income to average assets | 1.3624% | 566 |
| Noninterest expense to average assets | 3.1794% | 1,605 |
| Loan and lease loss provision to assets | 0.0345% | 3,429 |
| Net operating income to assets | 0.8944% | 3,056 |
| Return on assets (ROA) | 0.8945% | 3,109 |
| Pretax return on assets | 1.1355% | 3,164 |
| Return on Equity (ROE) | 7.6582% | 3,315 |
| Retained earnings to average equity (ytd only) | 3.5441% | 3,803 |
| Net charge-offs to loans | 0.0015% | 3,725 |
| Credit loss provision to net charge-offs | 3,680.2083% | 125 |
| Earnings coverage of net charge-offs (x) | 1,248.1771% | 80 |
| Efficiency ratio | 72.0587% | 2,198 |
| Assets per employee ($millions) | 4.8237% | 2,670 |
| Cash dividends to net income (ytd only)* | 53.7212% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 4,248 |
| Loan loss allowance to noncurrent loans | 79.6043% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.1274% | 1,467 |
| Noncurrent loans to loans | 1.2159% | 1,562 |
| Net loans and leases to total assets | 63.4546% | 3,492 |
| Net loans and leases to deposits | 85.9574% | 2,298 |
| Net loans and leases to core deposits | 89.0462% | 2,686 |
| Total domestic deposits to total assets | 73.8210% | 5,251 |
| Equity capital to assets | 11.7170% | 2,174 |
| Core capital (leverage) ratio | 9.4840% | 4,188 |
| Tier 1 risk-based capital ratio | 12.1951% | 4,502 |
| Total risk-based capital ratio | 13.0154% | 4,661 |
| Memoranda: | ||
| Average total assets | $13,656,657,250 | 104 |
| Average earning assets | $12,172,336,250 | 105 |
| Average equity | $1,595,164,250 | 107 |
| Average total loans | $8,601,559,500 | 109 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5925% | 4,532 |
| Cost of funding earning assets | 0.2652% | 4,418 |
| Net interest margin | 3.3273% | 4,023 |
| Noninterest income to average assets | 1.4058% | 546 |
| Noninterest expense to average assets | 3.2829% | 1,403 |
| Loan and lease loss provision to assets | 0.0223% | 3,542 |
| Net operating income to assets | 0.8321% | 3,240 |
| Return on assets (ROA) | 0.8321% | 3,294 |
| Pretax return on assets | 1.0624% | 3,328 |
| Return on Equity (ROE) | 7.1312% | 3,478 |
| Retained earnings to average equity (ytd only) | 2.9944% | 3,932 |
| Net charge-offs to loans | 0.0134% | 2,985 |
| Credit loss provision to net charge-offs | 265.6140% | 1,042 |
| Earnings coverage of net charge-offs (x) | 129.2246% | 549 |
| Efficiency ratio | 74.1170% | 1,988 |
| Assets per employee ($millions) | 4.8660% | 2,566 |
| Cash dividends to net income (ytd only)* | 58.0093% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9485% | 4,427 |
| Loan loss allowance to noncurrent loans | 76.2156% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 1.1480% | 1,501 |
| Noncurrent loans to loans | 1.2445% | 1,558 |
| Net loans and leases to total assets | 62.7809% | 3,537 |
| Net loans and leases to deposits | 83.6343% | 2,528 |
| Net loans and leases to core deposits | 86.3560% | 2,847 |
| Total domestic deposits to total assets | 75.0660% | 5,197 |
| Equity capital to assets | 11.5499% | 2,281 |
| Core capital (leverage) ratio | 9.4354% | 4,191 |
| Tier 1 risk-based capital ratio | 12.1345% | 4,544 |
| Total risk-based capital ratio | 12.9392% | 4,728 |
| Memoranda: | ||
| Average total assets | $13,581,339,670 | 104 |
| Average earning assets | $12,089,507,670 | 106 |
| Average equity | $1,584,676,330 | 106 |
| Average total loans | $8,503,661,000 | 109 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5277% | 4,615 |
| Cost of funding earning assets | 0.2282% | 4,730 |
| Net interest margin | 3.2995% | 4,009 |
| Noninterest income to average assets | 1.3407% | 579 |
| Noninterest expense to average assets | 3.0044% | 2,156 |
| Loan and lease loss provision to assets | 0.0345% | 3,095 |
| Net operating income to assets | 0.9486% | 2,531 |
| Return on assets (ROA) | 0.9486% | 2,591 |
| Pretax return on assets | 1.2323% | 2,468 |
| Return on Equity (ROE) | 8.0875% | 2,882 |
| Retained earnings to average equity (ytd only) | 3.9294% | 3,483 |
| Net charge-offs to loans | 0.0656% | 1,674 |
| Credit loss provision to net charge-offs | 84.5142% | 1,728 |
| Earnings coverage of net charge-offs (x) | 31.0424% | 1,198 |
| Efficiency ratio | 69.2492% | 3,001 |
| Assets per employee ($millions) | 4.8183% | 2,669 |
| Cash dividends to net income (ytd only)* | 51.4141% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9819% | 4,383 |
| Loan loss allowance to noncurrent loans | 83.7976% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.1446% | 1,541 |
| Noncurrent loans to loans | 1.1718% | 1,738 |
| Net loans and leases to total assets | 61.6509% | 3,583 |
| Net loans and leases to deposits | 82.1779% | 2,486 |
| Net loans and leases to core deposits | 84.8465% | 2,825 |
| Total domestic deposits to total assets | 75.0212% | 5,330 |
| Equity capital to assets | 11.7409% | 2,006 |
| Core capital (leverage) ratio | 9.7492% | 3,813 |
| Tier 1 risk-based capital ratio | 12.6287% | 4,311 |
| Total risk-based capital ratio | 13.4510% | 4,480 |
| Memoranda: | ||
| Average total assets | $13,418,459,000 | 103 |
| Average earning assets | $11,918,056,500 | 105 |
| Average equity | $1,573,885,000 | 105 |
| Average total loans | $8,348,188,000 | 108 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5774% | 4,570 |
| Cost of funding earning assets | 0.1947% | 5,067 |
| Net interest margin | 3.3826% | 3,879 |
| Noninterest income to average assets | 1.3284% | 646 |
| Noninterest expense to average assets | 3.1121% | 1,999 |
| Loan and lease loss provision to assets | 0.1132% | 2,174 |
| Net operating income to assets | 0.8538% | 3,052 |
| Return on assets (ROA) | 0.8520% | 3,168 |
| Pretax return on assets | 1.1020% | 3,099 |
| Return on Equity (ROE) | 7.1149% | 3,411 |
| Retained earnings to average equity (ytd only) | 2.8755% | 3,851 |
| Net charge-offs to loans | 0.1467% | 1,800 |
| Credit loss provision to net charge-offs | 126.1597% | 2,118 |
| Earnings coverage of net charge-offs (x) | 13.5698% | 2,358 |
| Efficiency ratio | 70.6580% | 2,801 |
| Assets per employee ($millions) | 4.7885% | 2,671 |
| Cash dividends to net income (ytd only)* | 59.5857% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 4,357 |
| Loan loss allowance to noncurrent loans | 98.6750% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.0923% | 1,716 |
| Noncurrent loans to loans | 1.0094% | 2,071 |
| Net loans and leases to total assets | 61.5465% | 3,656 |
| Net loans and leases to deposits | 81.5740% | 2,716 |
| Net loans and leases to core deposits | 83.7700% | 3,049 |
| Total domestic deposits to total assets | 75.4487% | 5,302 |
| Equity capital to assets | 11.7175% | 1,997 |
| Core capital (leverage) ratio | 9.7657% | 3,788 |
| Tier 1 risk-based capital ratio | 12.5763% | 4,343 |
| Total risk-based capital ratio | 13.4071% | 4,492 |
| Memoranda: | ||
| Average total assets | $12,998,221,000 | 101 |
| Average earning assets | $11,532,800,800 | 102 |
| Average equity | $1,556,484,000 | 102 |
| Average total loans | $7,951,995,400 | 108 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5760% | 4,619 |
| Cost of funding earning assets | 0.1918% | 5,156 |
| Net interest margin | 3.3842% | 3,912 |
| Noninterest income to average assets | 1.3533% | 642 |
| Noninterest expense to average assets | 3.1451% | 1,913 |
| Loan and lease loss provision to assets | 0.1211% | 1,920 |
| Net operating income to assets | 0.8419% | 3,190 |
| Return on assets (ROA) | 0.8394% | 3,319 |
| Pretax return on assets | 1.0848% | 3,298 |
| Return on Equity (ROE) | 6.9711% | 3,574 |
| Retained earnings to average equity (ytd only) | 2.7127% | 4,268 |
| Net charge-offs to loans | 0.1541% | 1,460 |
| Credit loss provision to net charge-offs | 129.0429% | 1,984 |
| Earnings coverage of net charge-offs (x) | 12.8799% | 2,351 |
| Efficiency ratio | 71.0027% | 2,740 |
| Assets per employee ($millions) | 4.7220% | 2,711 |
| Cash dividends to net income (ytd only)* | 61.0866% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0234% | 4,275 |
| Loan loss allowance to noncurrent loans | 95.7108% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.1469% | 1,755 |
| Noncurrent loans to loans | 1.0693% | 2,110 |
| Net loans and leases to total assets | 60.4455% | 3,821 |
| Net loans and leases to deposits | 81.9980% | 2,733 |
| Net loans and leases to core deposits | 84.4322% | 3,087 |
| Total domestic deposits to total assets | 73.7158% | 5,459 |
| Equity capital to assets | 12.0033% | 2,116 |
| Core capital (leverage) ratio | 9.7910% | 3,820 |
| Tier 1 risk-based capital ratio | 12.7827% | 4,286 |
| Total risk-based capital ratio | 13.6334% | 4,449 |
| Memoranda: | ||
| Average total assets | $12,910,169,000 | 100 |
| Average earning assets | $11,448,060,500 | 102 |
| Average equity | $1,554,522,500 | 102 |
| Average total loans | $7,865,147,500 | 107 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5729% | 4,672 |
| Cost of funding earning assets | 0.1895% | 5,241 |
| Net interest margin | 3.3834% | 3,954 |
| Noninterest income to average assets | 1.3257% | 649 |
| Noninterest expense to average assets | 3.2059% | 1,796 |
| Loan and lease loss provision to assets | 0.1053% | 2,098 |
| Net operating income to assets | 0.7790% | 3,406 |
| Return on assets (ROA) | 0.7752% | 3,574 |
| Pretax return on assets | 1.0089% | 3,544 |
| Return on Equity (ROE) | 6.4314% | 3,834 |
| Retained earnings to average equity (ytd only) | 2.1151% | 4,512 |
| Net charge-offs to loans | 0.0535% | 2,437 |
| Credit loss provision to net charge-offs | 323.2057% | 911 |
| Earnings coverage of net charge-offs (x) | 34.3402% | 1,278 |
| Efficiency ratio | 72.8677% | 2,539 |
| Assets per employee ($millions) | 4.6236% | 2,835 |
| Cash dividends to net income (ytd only)* | 67.1132% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 4,175 |
| Loan loss allowance to noncurrent loans | 77.2183% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 1.3741% | 1,437 |
| Noncurrent loans to loans | 1.3715% | 1,631 |
| Net loans and leases to total assets | 60.4288% | 3,826 |
| Net loans and leases to deposits | 82.4774% | 2,648 |
| Net loans and leases to core deposits | 84.9362% | 2,996 |
| Total domestic deposits to total assets | 73.2671% | 5,585 |
| Equity capital to assets | 12.0399% | 2,100 |
| Core capital (leverage) ratio | 9.7960% | 3,816 |
| Tier 1 risk-based capital ratio | 12.7524% | 4,349 |
| Total risk-based capital ratio | 13.6341% | 4,516 |
| Memoranda: | ||
| Average total assets | $12,826,803,330 | 100 |
| Average earning assets | $11,370,820,330 | 101 |
| Average equity | $1,546,139,670 | 103 |
| Average total loans | $7,807,850,670 | 107 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5757% | 4,687 |
| Cost of funding earning assets | 0.1896% | 5,291 |
| Net interest margin | 3.3861% | 3,919 |
| Noninterest income to average assets | 1.3264% | 622 |
| Noninterest expense to average assets | 3.0549% | 2,224 |
| Loan and lease loss provision to assets | 0.1116% | 1,867 |
| Net operating income to assets | 0.8752% | 2,873 |
| Return on assets (ROA) | 0.8678% | 3,025 |
| Pretax return on assets | 1.1473% | 2,902 |
| Return on Equity (ROE) | 7.1952% | 3,346 |
| Retained earnings to average equity (ytd only) | 2.9519% | 4,038 |
| Net charge-offs to loans | -0.0021% | 4,121 |
| Credit loss provision to net charge-offs | -8,880.0000% | 5,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3505% | 3,240 |
| Assets per employee ($millions) | 4.3361% | 3,353 |
| Cash dividends to net income (ytd only)* | 58.9735% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0635% | 4,267 |
| Loan loss allowance to noncurrent loans | 71.6390% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 1.4752% | 1,394 |
| Noncurrent loans to loans | 1.4845% | 1,588 |
| Net loans and leases to total assets | 60.5964% | 3,701 |
| Net loans and leases to deposits | 80.2222% | 2,760 |
| Net loans and leases to core deposits | 82.5840% | 3,078 |
| Total domestic deposits to total assets | 75.5357% | 5,468 |
| Equity capital to assets | 12.1596% | 1,910 |
| Core capital (leverage) ratio | 9.8017% | 3,773 |
| Tier 1 risk-based capital ratio | 12.8526% | 4,355 |
| Total risk-based capital ratio | 13.7350% | 4,496 |
| Memoranda: | ||
| Average total assets | $12,725,524,000 | 101 |
| Average earning assets | $11,264,015,500 | 102 |
| Average equity | $1,534,850,500 | 104 |
| Average total loans | $7,732,895,000 | 105 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8091% | 4,015 |
| Cost of funding earning assets | 0.1698% | 5,538 |
| Net interest margin | 3.6393% | 2,981 |
| Noninterest income to average assets | 1.3735% | 639 |
| Noninterest expense to average assets | 3.2146% | 1,932 |
| Loan and lease loss provision to assets | 0.0957% | 2,399 |
| Net operating income to assets | 0.9592% | 2,577 |
| Return on assets (ROA) | 0.9592% | 2,653 |
| Pretax return on assets | 1.2578% | 2,441 |
| Return on Equity (ROE) | 7.9065% | 3,002 |
| Retained earnings to average equity (ytd only) | 3.5794% | 3,509 |
| Net charge-offs to loans | 0.1911% | 1,517 |
| Credit loss provision to net charge-offs | 85.1125% | 2,857 |
| Earnings coverage of net charge-offs (x) | 12.0416% | 2,506 |
| Efficiency ratio | 68.9830% | 3,403 |
| Assets per employee ($millions) | 4.3104% | 3,366 |
| Cash dividends to net income (ytd only)* | 54.7289% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0418% | 4,373 |
| Loan loss allowance to noncurrent loans | 77.5868% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 1.4312% | 1,457 |
| Noncurrent loans to loans | 1.3427% | 1,751 |
| Net loans and leases to total assets | 59.6542% | 3,884 |
| Net loans and leases to deposits | 78.7292% | 2,970 |
| Net loans and leases to core deposits | 80.9219% | 3,248 |
| Total domestic deposits to total assets | 75.7714% | 5,468 |
| Equity capital to assets | 11.9621% | 1,983 |
| Core capital (leverage) ratio | 9.8863% | 3,662 |
| Tier 1 risk-based capital ratio | 12.9980% | 4,317 |
| Total risk-based capital ratio | 13.8596% | 4,461 |
| Memoranda: | ||
| Average total assets | $12,334,432,800 | 99 |
| Average earning assets | $10,827,218,400 | 101 |
| Average equity | $1,496,406,000 | 99 |
| Average total loans | $7,256,249,800 | 108 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8164% | 4,036 |
| Cost of funding earning assets | 0.1695% | 5,637 |
| Net interest margin | 3.6470% | 2,974 |
| Noninterest income to average assets | 1.4118% | 624 |
| Noninterest expense to average assets | 3.2410% | 1,849 |
| Loan and lease loss provision to assets | 0.0845% | 2,478 |
| Net operating income to assets | 0.9786% | 2,582 |
| Return on assets (ROA) | 0.9786% | 2,660 |
| Pretax return on assets | 1.2825% | 2,463 |
| Return on Equity (ROE) | 8.0375% | 3,057 |
| Retained earnings to average equity (ytd only) | 3.6971% | 3,833 |
| Net charge-offs to loans | 0.2168% | 1,205 |
| Credit loss provision to net charge-offs | 66.6495% | 2,830 |
| Earnings coverage of net charge-offs (x) | 10.7863% | 2,566 |
| Efficiency ratio | 68.9424% | 3,386 |
| Assets per employee ($millions) | 4.1812% | 3,561 |
| Cash dividends to net income (ytd only)* | 54.0020% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0535% | 4,449 |
| Loan loss allowance to noncurrent loans | 69.1657% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 1.6086% | 1,383 |
| Noncurrent loans to loans | 1.5231% | 1,649 |
| Net loans and leases to total assets | 58.9780% | 4,015 |
| Net loans and leases to deposits | 77.4936% | 3,149 |
| Net loans and leases to core deposits | 80.0284% | 3,423 |
| Total domestic deposits to total assets | 76.1068% | 5,472 |
| Equity capital to assets | 12.2740% | 1,892 |
| Core capital (leverage) ratio | 9.9436% | 3,717 |
| Tier 1 risk-based capital ratio | 13.4408% | 4,172 |
| Total risk-based capital ratio | 14.4349% | 4,254 |
| Memoranda: | ||
| Average total assets | $12,248,786,750 | 100 |
| Average earning assets | $10,735,067,000 | 104 |
| Average equity | $1,491,398,500 | 102 |
| Average total loans | $7,159,816,000 | 111 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8288% | 3,960 |
| Cost of funding earning assets | 0.1686% | 5,706 |
| Net interest margin | 3.6602% | 2,872 |
| Noninterest income to average assets | 1.4179% | 632 |
| Noninterest expense to average assets | 3.2342% | 1,880 |
| Loan and lease loss provision to assets | 0.0654% | 2,811 |
| Net operating income to assets | 0.9983% | 2,400 |
| Return on assets (ROA) | 0.9983% | 2,507 |
| Pretax return on assets | 1.3220% | 2,280 |
| Return on Equity (ROE) | 8.2210% | 2,930 |
| Retained earnings to average equity (ytd only) | 3.8543% | 3,551 |
| Net charge-offs to loans | 0.0528% | 2,663 |
| Credit loss provision to net charge-offs | 213.3690% | 1,169 |
| Earnings coverage of net charge-offs (x) | 45.2647% | 1,028 |
| Efficiency ratio | 68.5792% | 3,577 |
| Assets per employee ($millions) | 4.0751% | 3,734 |
| Cash dividends to net income (ytd only)* | 53.1164% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 3,869 |
| Loan loss allowance to noncurrent loans | 72.5259% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 1.7244% | 1,375 |
| Noncurrent loans to loans | 1.6363% | 1,598 |
| Net loans and leases to total assets | 57.2826% | 4,187 |
| Net loans and leases to deposits | 71.1299% | 3,809 |
| Net loans and leases to core deposits | 73.2846% | 4,018 |
| Total domestic deposits to total assets | 80.5324% | 4,739 |
| Equity capital to assets | 12.2626% | 1,833 |
| Core capital (leverage) ratio | 9.9882% | 3,621 |
| Tier 1 risk-based capital ratio | 13.7447% | 4,068 |
| Total risk-based capital ratio | 14.8444% | 4,095 |
| Memoranda: | ||
| Average total assets | $12,202,092,670 | 102 |
| Average earning assets | $10,680,274,670 | 105 |
| Average equity | $1,481,661,330 | 104 |
| Average total loans | $7,084,923,000 | 114 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8359% | 3,869 |
| Cost of funding earning assets | 0.1695% | 5,773 |
| Net interest margin | 3.6664% | 2,747 |
| Noninterest income to average assets | 1.3659% | 621 |
| Noninterest expense to average assets | 3.2160% | 1,941 |
| Loan and lease loss provision to assets | 0.0698% | 2,542 |
| Net operating income to assets | 0.9732% | 2,375 |
| Return on assets (ROA) | 0.9732% | 2,513 |
| Pretax return on assets | 1.2881% | 2,341 |
| Return on Equity (ROE) | 8.0540% | 2,934 |
| Retained earnings to average equity (ytd only) | 3.6769% | 3,801 |
| Net charge-offs to loans | 0.0366% | 2,477 |
| Credit loss provision to net charge-offs | 328.5054% | 763 |
| Earnings coverage of net charge-offs (x) | 63.8829% | 699 |
| Efficiency ratio | 68.8862% | 3,681 |
| Assets per employee ($millions) | 4.0084% | 3,942 |
| Cash dividends to net income (ytd only)* | 54.3466% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1774% | 4,099 |
| Loan loss allowance to noncurrent loans | 66.5057% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 1.8067% | 1,357 |
| Noncurrent loans to loans | 1.7704% | 1,538 |
| Net loans and leases to total assets | 57.3153% | 4,048 |
| Net loans and leases to deposits | 70.3307% | 3,718 |
| Net loans and leases to core deposits | 72.6545% | 3,899 |
| Total domestic deposits to total assets | 81.4941% | 4,673 |
| Equity capital to assets | 12.2320% | 1,866 |
| Core capital (leverage) ratio | 9.8418% | 3,834 |
| Tier 1 risk-based capital ratio | 13.6011% | 4,276 |
| Total risk-based capital ratio | 14.6968% | 4,269 |
| Memoranda: | ||
| Average total assets | $12,212,973,000 | 102 |
| Average earning assets | $10,685,969,500 | 104 |
| Average equity | $1,475,682,000 | 103 |
| Average total loans | $7,096,879,000 | 110 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0714% | 3,439 |
| Cost of funding earning assets | 0.1938% | 5,799 |
| Net interest margin | 3.8775% | 2,326 |
| Noninterest income to average assets | 1.3847% | 639 |
| Noninterest expense to average assets | 3.3301% | 1,850 |
| Loan and lease loss provision to assets | 0.0611% | 3,297 |
| Net operating income to assets | 1.0337% | 2,245 |
| Return on assets (ROA) | 1.0356% | 2,312 |
| Pretax return on assets | 1.3628% | 2,028 |
| Return on Equity (ROE) | 8.7283% | 2,717 |
| Retained earnings to average equity (ytd only) | 4.2397% | 3,174 |
| Net charge-offs to loans | 0.0258% | 4,306 |
| Credit loss provision to net charge-offs | 412.1720% | 629 |
| Earnings coverage of net charge-offs (x) | 95.8917% | 544 |
| Efficiency ratio | 68.5603% | 3,797 |
| Assets per employee ($millions) | 4.0028% | 3,948 |
| Cash dividends to net income (ytd only)* | 51.4257% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1453% | 4,305 |
| Loan loss allowance to noncurrent loans | 53.5202% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 2.0507% | 1,224 |
| Noncurrent loans to loans | 2.1400% | 1,265 |
| Net loans and leases to total assets | 57.5530% | 4,111 |
| Net loans and leases to deposits | 72.5487% | 3,616 |
| Net loans and leases to core deposits | 75.0247% | 3,820 |
| Total domestic deposits to total assets | 79.3302% | 5,181 |
| Equity capital to assets | 11.9347% | 2,057 |
| Core capital (leverage) ratio | 9.4577% | 4,296 |
| Tier 1 risk-based capital ratio | 13.2375% | 4,567 |
| Total risk-based capital ratio | 14.3159% | 4,599 |
| Memoranda: | ||
| Average total assets | $12,082,861,800 | 100 |
| Average earning assets | $10,491,224,600 | 103 |
| Average equity | $1,433,652,600 | 104 |
| Average total loans | $6,942,172,600 | 110 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1284% | 3,260 |
| Cost of funding earning assets | 0.1989% | 5,840 |
| Net interest margin | 3.9296% | 2,118 |
| Noninterest income to average assets | 1.4114% | 627 |
| Noninterest expense to average assets | 3.3256% | 1,848 |
| Loan and lease loss provision to assets | 0.0841% | 2,673 |
| Net operating income to assets | 1.0683% | 2,159 |
| Return on assets (ROA) | 1.0708% | 2,219 |
| Pretax return on assets | 1.4102% | 1,967 |
| Return on Equity (ROE) | 9.0384% | 2,659 |
| Retained earnings to average equity (ytd only) | 4.5308% | 3,422 |
| Net charge-offs to loans | 0.0309% | 3,866 |
| Credit loss provision to net charge-offs | 475.6418% | 596 |
| Earnings coverage of net charge-offs (x) | 84.3175% | 675 |
| Efficiency ratio | 67.5202% | 3,937 |
| Assets per employee ($millions) | 3.9431% | 4,004 |
| Cash dividends to net income (ytd only)* | 49.8713% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 4,431 |
| Loan loss allowance to noncurrent loans | 49.4986% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 2.2079% | 1,252 |
| Noncurrent loans to loans | 2.3484% | 1,269 |
| Net loans and leases to total assets | 57.7107% | 4,115 |
| Net loans and leases to deposits | 73.2147% | 3,534 |
| Net loans and leases to core deposits | 75.8126% | 3,767 |
| Total domestic deposits to total assets | 78.8239% | 5,363 |
| Equity capital to assets | 12.0411% | 2,024 |
| Core capital (leverage) ratio | 9.3688% | 4,547 |
| Tier 1 risk-based capital ratio | 13.2273% | 4,711 |
| Total risk-based capital ratio | 14.4419% | 4,671 |
| Memoranda: | ||
| Average total assets | $12,041,444,250 | 101 |
| Average earning assets | $10,434,632,250 | 103 |
| Average equity | $1,426,610,750 | 105 |
| Average total loans | $6,894,947,250 | 109 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0726% | 3,452 |
| Cost of funding earning assets | 0.2051% | 5,872 |
| Net interest margin | 3.8674% | 2,304 |
| Noninterest income to average assets | 1.3972% | 620 |
| Noninterest expense to average assets | 3.3253% | 1,856 |
| Loan and lease loss provision to assets | 0.0564% | 3,167 |
| Net operating income to assets | 1.0389% | 2,172 |
| Return on assets (ROA) | 1.0438% | 2,206 |
| Pretax return on assets | 1.3644% | 2,023 |
| Return on Equity (ROE) | 8.8586% | 2,659 |
| Retained earnings to average equity (ytd only) | 4.3296% | 3,416 |
| Net charge-offs to loans | 0.0482% | 3,288 |
| Credit loss provision to net charge-offs | 205.6364% | 1,142 |
| Earnings coverage of net charge-offs (x) | 51.5352% | 893 |
| Efficiency ratio | 68.5853% | 3,904 |
| Assets per employee ($millions) | 3.9151% | 4,023 |
| Cash dividends to net income (ytd only)* | 51.1251% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1157% | 4,835 |
| Loan loss allowance to noncurrent loans | 53.9768% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 2.1046% | 1,484 |
| Noncurrent loans to loans | 2.0670% | 1,622 |
| Net loans and leases to total assets | 56.9250% | 4,128 |
| Net loans and leases to deposits | 69.8205% | 3,845 |
| Net loans and leases to core deposits | 72.3769% | 4,007 |
| Total domestic deposits to total assets | 81.5304% | 4,804 |
| Equity capital to assets | 11.8945% | 2,069 |
| Core capital (leverage) ratio | 9.2531% | 4,660 |
| Tier 1 risk-based capital ratio | 13.1036% | 4,848 |
| Total risk-based capital ratio | 14.2832% | 4,820 |
| Memoranda: | ||
| Average total assets | $12,024,074,670 | 101 |
| Average earning assets | $10,392,124,330 | 103 |
| Average equity | $1,416,750,670 | 104 |
| Average total loans | $6,839,475,670 | 108 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9015% | 4,083 |
| Cost of funding earning assets | 0.2131% | 5,895 |
| Net interest margin | 3.6885% | 2,913 |
| Noninterest income to average assets | 1.4029% | 588 |
| Noninterest expense to average assets | 3.3208% | 1,901 |
| Loan and lease loss provision to assets | -0.0248% | 6,428 |
| Net operating income to assets | 0.9772% | 2,291 |
| Return on assets (ROA) | 0.9871% | 2,317 |
| Pretax return on assets | 1.3028% | 2,080 |
| Return on Equity (ROE) | 8.4177% | 2,730 |
| Retained earnings to average equity (ytd only) | 3.8796% | 3,792 |
| Net charge-offs to loans | -0.1604% | 6,312 |
| Credit loss provision to net charge-offs | 27.3196% | 2,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7452% | 3,694 |
| Assets per employee ($millions) | 3.8709% | 4,187 |
| Cash dividends to net income (ytd only)* | 53.9112% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 4,877 |
| Loan loss allowance to noncurrent loans | 53.8390% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 2.1676% | 1,534 |
| Noncurrent loans to loans | 2.1351% | 1,717 |
| Net loans and leases to total assets | 55.6873% | 4,185 |
| Net loans and leases to deposits | 66.1858% | 4,073 |
| Net loans and leases to core deposits | 68.7422% | 4,234 |
| Total domestic deposits to total assets | 84.1378% | 4,229 |
| Equity capital to assets | 11.7365% | 2,070 |
| Core capital (leverage) ratio | 8.9652% | 5,065 |
| Tier 1 risk-based capital ratio | 12.8621% | 5,089 |
| Total risk-based capital ratio | 14.0682% | 5,058 |
| Memoranda: | ||
| Average total assets | $11,977,420,500 | 99 |
| Average earning assets | $10,335,574,500 | 102 |
| Average equity | $1,404,476,500 | 102 |
| Average total loans | $6,771,392,500 | 111 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1680% | 3,466 |
| Cost of funding earning assets | 0.2439% | 6,008 |
| Net interest margin | 3.9240% | 2,203 |
| Noninterest income to average assets | 1.4498% | 659 |
| Noninterest expense to average assets | 3.5598% | 1,526 |
| Loan and lease loss provision to assets | -0.0642% | 6,417 |
| Net operating income to assets | 1.0322% | 2,192 |
| Return on assets (ROA) | 1.0354% | 2,247 |
| Pretax return on assets | 1.3633% | 1,922 |
| Return on Equity (ROE) | 8.6739% | 2,711 |
| Retained earnings to average equity (ytd only) | 3.9616% | 3,383 |
| Net charge-offs to loans | 0.0194% | 5,053 |
| Credit loss provision to net charge-offs | -576.9658% | 6,162 |
| Earnings coverage of net charge-offs (x) | 116.3765% | 408 |
| Efficiency ratio | 71.7243% | 3,526 |
| Assets per employee ($millions) | 3.8099% | 4,241 |
| Cash dividends to net income (ytd only)* | 54.3280% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 5,019 |
| Loan loss allowance to noncurrent loans | 48.2880% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 2.2743% | 1,558 |
| Noncurrent loans to loans | 2.3333% | 1,649 |
| Net loans and leases to total assets | 56.3955% | 4,258 |
| Net loans and leases to deposits | 68.0078% | 4,057 |
| Net loans and leases to core deposits | 71.1719% | 4,168 |
| Total domestic deposits to total assets | 82.9250% | 4,567 |
| Equity capital to assets | 11.7413% | 1,997 |
| Core capital (leverage) ratio | 8.7631% | 5,346 |
| Tier 1 risk-based capital ratio | 12.5479% | 5,260 |
| Total risk-based capital ratio | 13.7411% | 5,248 |
| Memoranda: | ||
| Average total assets | $11,315,891,000 | 102 |
| Average earning assets | $9,818,582,400 | 106 |
| Average equity | $1,350,803,400 | 106 |
| Average total loans | $6,501,316,800 | 109 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1322% | 3,632 |
| Cost of funding earning assets | 0.2471% | 6,109 |
| Net interest margin | 3.8850% | 2,330 |
| Noninterest income to average assets | 1.5081% | 641 |
| Noninterest expense to average assets | 3.5690% | 1,459 |
| Loan and lease loss provision to assets | -0.1122% | 6,642 |
| Net operating income to assets | 1.0555% | 2,171 |
| Return on assets (ROA) | 1.0588% | 2,237 |
| Pretax return on assets | 1.4348% | 1,818 |
| Return on Equity (ROE) | 8.8324% | 2,725 |
| Retained earnings to average equity (ytd only) | 4.0986% | 3,774 |
| Net charge-offs to loans | 0.0249% | 4,629 |
| Credit loss provision to net charge-offs | -782.3529% | 6,143 |
| Earnings coverage of net charge-offs (x) | 91.9364% | 527 |
| Efficiency ratio | 71.4781% | 3,513 |
| Assets per employee ($millions) | 3.8132% | 4,203 |
| Cash dividends to net income (ytd only)* | 53.5955% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 5,306 |
| Loan loss allowance to noncurrent loans | 43.6772% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 2.4539% | 1,576 |
| Noncurrent loans to loans | 2.5298% | 1,706 |
| Net loans and leases to total assets | 55.8398% | 4,342 |
| Net loans and leases to deposits | 67.8370% | 4,078 |
| Net loans and leases to core deposits | 70.9794% | 4,214 |
| Total domestic deposits to total assets | 82.3077% | 4,825 |
| Equity capital to assets | 11.5510% | 2,262 |
| Core capital (leverage) ratio | 8.5325% | 5,740 |
| Tier 1 risk-based capital ratio | 12.3257% | 5,556 |
| Total risk-based capital ratio | 13.6330% | 5,465 |
| Memoranda: | ||
| Average total assets | $11,224,560,000 | 102 |
| Average earning assets | $9,762,517,750 | 106 |
| Average equity | $1,345,622,250 | 106 |
| Average total loans | $6,460,958,750 | 109 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1089% | 3,705 |
| Cost of funding earning assets | 0.2487% | 6,179 |
| Net interest margin | 3.8602% | 2,343 |
| Noninterest income to average assets | 1.4791% | 724 |
| Noninterest expense to average assets | 3.6469% | 1,341 |
| Loan and lease loss provision to assets | -0.1651% | 6,761 |
| Net operating income to assets | 1.0085% | 2,295 |
| Return on assets (ROA) | 1.0135% | 2,403 |
| Pretax return on assets | 1.3800% | 2,001 |
| Return on Equity (ROE) | 8.3472% | 2,919 |
| Retained earnings to average equity (ytd only) | 3.6012% | 4,024 |
| Net charge-offs to loans | 0.0009% | 4,903 |
| Credit loss provision to net charge-offs | -31,513.7931% | 6,306 |
| Earnings coverage of net charge-offs (x) | 2,305.5517% | 7 |
| Efficiency ratio | 73.6602% | 3,190 |
| Assets per employee ($millions) | 3.8224% | 4,165 |
| Cash dividends to net income (ytd only)* | 56.8581% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1186% | 5,368 |
| Loan loss allowance to noncurrent loans | 41.9081% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 2.5441% | 1,654 |
| Noncurrent loans to loans | 2.6692% | 1,713 |
| Net loans and leases to total assets | 55.9893% | 4,294 |
| Net loans and leases to deposits | 68.1236% | 3,994 |
| Net loans and leases to core deposits | 71.8279% | 4,067 |
| Total domestic deposits to total assets | 81.6611% | 5,156 |
| Equity capital to assets | 11.4740% | 2,324 |
| Core capital (leverage) ratio | 8.4725% | 5,704 |
| Tier 1 risk-based capital ratio | 12.2037% | 5,678 |
| Total risk-based capital ratio | 13.5237% | 5,586 |
| Memoranda: | ||
| Average total assets | $11,069,017,330 | 103 |
| Average earning assets | $9,680,272,330 | 106 |
| Average equity | $1,344,013,670 | 108 |
| Average total loans | $6,414,184,330 | 108 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0069% | 4,095 |
| Cost of funding earning assets | 0.2511% | 6,285 |
| Net interest margin | 3.7558% | 2,631 |
| Noninterest income to average assets | 1.5609% | 634 |
| Noninterest expense to average assets | 3.6923% | 1,257 |
| Loan and lease loss provision to assets | -0.1032% | 6,838 |
| Net operating income to assets | 0.9230% | 2,555 |
| Return on assets (ROA) | 0.9285% | 2,670 |
| Pretax return on assets | 1.2706% | 2,338 |
| Return on Equity (ROE) | 7.4234% | 3,254 |
| Retained earnings to average equity (ytd only) | 2.6899% | 4,673 |
| Net charge-offs to loans | -0.0902% | 6,401 |
| Credit loss provision to net charge-offs | 194.9296% | 1,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9898% | 3,102 |
| Assets per employee ($millions) | 3.7629% | 4,427 |
| Cash dividends to net income (ytd only)* | 63.7649% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 5,059 |
| Loan loss allowance to noncurrent loans | 48.7828% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 2.4842% | 1,858 |
| Noncurrent loans to loans | 2.5169% | 2,053 |
| Net loans and leases to total assets | 56.3533% | 4,032 |
| Net loans and leases to deposits | 67.6418% | 3,812 |
| Net loans and leases to core deposits | 71.3483% | 3,906 |
| Total domestic deposits to total assets | 82.8298% | 4,911 |
| Equity capital to assets | 11.7155% | 2,245 |
| Core capital (leverage) ratio | 9.2255% | 4,522 |
| Tier 1 risk-based capital ratio | 12.1401% | 5,828 |
| Total risk-based capital ratio | 13.5622% | 5,661 |
| Memoranda: | ||
| Average total assets | $10,728,491,500 | 106 |
| Average earning assets | $9,401,319,000 | 109 |
| Average equity | $1,341,919,000 | 109 |
| Average total loans | $6,294,671,500 | 110 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2594% | 4,370 |
| Cost of funding earning assets | 0.3322% | 6,302 |
| Net interest margin | 3.9272% | 2,711 |
| Noninterest income to average assets | 1.7074% | 558 |
| Noninterest expense to average assets | 3.4193% | 2,008 |
| Loan and lease loss provision to assets | 0.1279% | 4,012 |
| Net operating income to assets | 1.1958% | 1,618 |
| Return on assets (ROA) | 1.2039% | 1,758 |
| Pretax return on assets | 1.6369% | 1,291 |
| Return on Equity (ROE) | 9.1784% | 2,546 |
| Retained earnings to average equity (ytd only) | 3.5932% | 3,679 |
| Net charge-offs to loans | 0.2922% | 3,187 |
| Credit loss provision to net charge-offs | 71.1478% | 4,121 |
| Earnings coverage of net charge-offs (x) | 9.7582% | 2,229 |
| Efficiency ratio | 65.3451% | 4,638 |
| Assets per employee ($millions) | 3.7087% | 4,543 |
| Cash dividends to net income (ytd only)* | 60.8519% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4189% | 4,080 |
| Loan loss allowance to noncurrent loans | 58.6612% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 2.3152% | 2,121 |
| Noncurrent loans to loans | 2.4189% | 2,202 |
| Net loans and leases to total assets | 59.7680% | 3,643 |
| Net loans and leases to deposits | 75.0347% | 2,960 |
| Net loans and leases to core deposits | 79.3465% | 3,104 |
| Total domestic deposits to total assets | 78.8819% | 5,912 |
| Equity capital to assets | 13.4655% | 1,241 |
| Core capital (leverage) ratio | 10.7216% | 2,522 |
| Tier 1 risk-based capital ratio | 15.1666% | 3,630 |
| Total risk-based capital ratio | 16.8470% | 3,333 |
| Memoranda: | ||
| Average total assets | $9,738,339,400 | 112 |
| Average earning assets | $8,594,185,600 | 114 |
| Average equity | $1,277,313,000 | 111 |
| Average total loans | $5,989,521,000 | 110 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3125% | 4,410 |
| Cost of funding earning assets | 0.3482% | 6,383 |
| Net interest margin | 3.9642% | 2,652 |
| Noninterest income to average assets | 1.7211% | 529 |
| Noninterest expense to average assets | 3.4062% | 1,985 |
| Loan and lease loss provision to assets | 0.1500% | 3,664 |
| Net operating income to assets | 1.2147% | 1,685 |
| Return on assets (ROA) | 1.2251% | 1,825 |
| Pretax return on assets | 1.6833% | 1,315 |
| Return on Equity (ROE) | 9.4028% | 2,632 |
| Retained earnings to average equity (ytd only) | 3.5219% | 4,398 |
| Net charge-offs to loans | 0.2888% | 2,993 |
| Credit loss provision to net charge-offs | 84.1548% | 3,495 |
| Earnings coverage of net charge-offs (x) | 10.2057% | 2,214 |
| Efficiency ratio | 64.4625% | 4,723 |
| Assets per employee ($millions) | 3.7720% | 4,370 |
| Cash dividends to net income (ytd only)* | 62.5437% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4654% | 4,088 |
| Loan loss allowance to noncurrent loans | 63.9605% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 2.2677% | 2,348 |
| Noncurrent loans to loans | 2.2912% | 2,521 |
| Net loans and leases to total assets | 59.6325% | 3,850 |
| Net loans and leases to deposits | 76.0932% | 2,970 |
| Net loans and leases to core deposits | 80.7038% | 3,122 |
| Total domestic deposits to total assets | 77.6305% | 6,139 |
| Equity capital to assets | 13.3072% | 1,434 |
| Core capital (leverage) ratio | 10.5729% | 2,831 |
| Tier 1 risk-based capital ratio | 15.0255% | 3,833 |
| Total risk-based capital ratio | 16.8513% | 3,446 |
| Memoranda: | ||
| Average total assets | $9,743,723,750 | 111 |
| Average earning assets | $8,612,939,250 | 114 |
| Average equity | $1,269,538,250 | 110 |
| Average total loans | $6,014,120,000 | 110 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3545% | 4,363 |
| Cost of funding earning assets | 0.3671% | 6,434 |
| Net interest margin | 3.9874% | 2,559 |
| Noninterest income to average assets | 1.6748% | 534 |
| Noninterest expense to average assets | 3.4292% | 1,959 |
| Loan and lease loss provision to assets | 0.1121% | 4,128 |
| Net operating income to assets | 1.2099% | 1,681 |
| Return on assets (ROA) | 1.2256% | 1,818 |
| Pretax return on assets | 1.6808% | 1,313 |
| Return on Equity (ROE) | 9.4737% | 2,584 |
| Retained earnings to average equity (ytd only) | 3.0237% | 4,627 |
| Net charge-offs to loans | 0.3003% | 2,826 |
| Credit loss provision to net charge-offs | 60.0859% | 3,794 |
| Earnings coverage of net charge-offs (x) | 9.4966% | 2,158 |
| Efficiency ratio | 65.2515% | 4,676 |
| Assets per employee ($millions) | 3.8310% | 4,243 |
| Cash dividends to net income (ytd only)* | 68.0828% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4154% | 4,402 |
| Loan loss allowance to noncurrent loans | 57.5042% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 2.3091% | 2,424 |
| Noncurrent loans to loans | 2.4613% | 2,440 |
| Net loans and leases to total assets | 60.5449% | 3,725 |
| Net loans and leases to deposits | 75.5253% | 3,051 |
| Net loans and leases to core deposits | 80.0729% | 3,211 |
| Total domestic deposits to total assets | 79.4043% | 5,879 |
| Equity capital to assets | 13.0869% | 1,475 |
| Core capital (leverage) ratio | 10.3813% | 2,947 |
| Tier 1 risk-based capital ratio | 14.8975% | 3,832 |
| Total risk-based capital ratio | 16.7359% | 3,417 |
| Memoranda: | ||
| Average total assets | $9,737,633,000 | 110 |
| Average earning assets | $8,610,437,670 | 114 |
| Average equity | $1,259,701,000 | 111 |
| Average total loans | $6,049,527,670 | 107 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3995% | 4,340 |
| Cost of funding earning assets | 0.3905% | 6,454 |
| Net interest margin | 4.0090% | 2,467 |
| Noninterest income to average assets | 1.6330% | 546 |
| Noninterest expense to average assets | 3.3691% | 2,090 |
| Loan and lease loss provision to assets | 0.1291% | 3,732 |
| Net operating income to assets | 1.2159% | 1,689 |
| Return on assets (ROA) | 1.2470% | 1,784 |
| Pretax return on assets | 1.7212% | 1,252 |
| Return on Equity (ROE) | 9.6962% | 2,518 |
| Retained earnings to average equity (ytd only) | 1.6124% | 5,434 |
| Net charge-offs to loans | 0.0953% | 3,574 |
| Credit loss provision to net charge-offs | 216.7243% | 1,269 |
| Earnings coverage of net charge-offs (x) | 30.3345% | 912 |
| Efficiency ratio | 64.5248% | 4,828 |
| Assets per employee ($millions) | 3.8270% | 4,367 |
| Cash dividends to net income (ytd only)* | 83.3707% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4844% | 4,242 |
| Loan loss allowance to noncurrent loans | 57.7587% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 2.4030% | 2,464 |
| Noncurrent loans to loans | 2.5699% | 2,536 |
| Net loans and leases to total assets | 61.0488% | 3,440 |
| Net loans and leases to deposits | 75.4904% | 2,892 |
| Net loans and leases to core deposits | 80.4358% | 3,021 |
| Total domestic deposits to total assets | 80.0355% | 5,844 |
| Equity capital to assets | 12.8598% | 1,506 |
| Core capital (leverage) ratio | 10.3073% | 2,985 |
| Tier 1 risk-based capital ratio | 14.5017% | 4,108 |
| Total risk-based capital ratio | 16.3348% | 3,661 |
| Memoranda: | ||
| Average total assets | $9,716,121,500 | 111 |
| Average earning assets | $8,587,086,500 | 113 |
| Average equity | $1,249,557,500 | 111 |
| Average total loans | $6,070,941,500 | 106 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5729% | 4,779 |
| Cost of funding earning assets | 0.4829% | 6,605 |
| Net interest margin | 4.0900% | 2,468 |
| Noninterest income to average assets | 1.5428% | 557 |
| Noninterest expense to average assets | 3.2864% | 2,563 |
| Loan and lease loss provision to assets | 0.3173% | 3,144 |
| Net operating income to assets | 1.1220% | 1,748 |
| Return on assets (ROA) | 1.1226% | 1,868 |
| Pretax return on assets | 1.5628% | 1,301 |
| Return on Equity (ROE) | 8.8399% | 2,526 |
| Retained earnings to average equity (ytd only) | 3.8154% | 3,498 |
| Net charge-offs to loans | 0.5593% | 2,779 |
| Credit loss provision to net charge-offs | 89.5903% | 4,025 |
| Earnings coverage of net charge-offs (x) | 5.3060% | 2,834 |
| Efficiency ratio | 62.9862% | 5,305 |
| Assets per employee ($millions) | 3.8587% | 4,185 |
| Cash dividends to net income (ytd only)* | 56.8388% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 4,180 |
| Loan loss allowance to noncurrent loans | 55.8390% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 2.5174% | 2,413 |
| Noncurrent loans to loans | 2.6211% | 2,492 |
| Net loans and leases to total assets | 62.0866% | 3,590 |
| Net loans and leases to deposits | 80.5365% | 2,426 |
| Net loans and leases to core deposits | 86.1076% | 2,618 |
| Total domestic deposits to total assets | 76.1046% | 6,468 |
| Equity capital to assets | 12.8616% | 1,565 |
| Core capital (leverage) ratio | 10.1785% | 3,122 |
| Tier 1 risk-based capital ratio | 14.4407% | 4,014 |
| Total risk-based capital ratio | 16.2850% | 3,581 |
| Memoranda: | ||
| Average total assets | $9,523,139,400 | 111 |
| Average earning assets | $8,435,278,200 | 115 |
| Average equity | $1,209,338,600 | 111 |
| Average total loans | $6,030,687,200 | 107 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5770% | 4,963 |
| Cost of funding earning assets | 0.5062% | 6,673 |
| Net interest margin | 4.0708% | 2,595 |
| Noninterest income to average assets | 1.6289% | 502 |
| Noninterest expense to average assets | 3.2682% | 2,606 |
| Loan and lease loss provision to assets | 0.3298% | 2,903 |
| Net operating income to assets | 1.1590% | 1,783 |
| Return on assets (ROA) | 1.1599% | 1,890 |
| Pretax return on assets | 1.6373% | 1,286 |
| Return on Equity (ROE) | 9.1632% | 2,525 |
| Retained earnings to average equity (ytd only) | 4.1130% | 3,803 |
| Net charge-offs to loans | 0.6108% | 2,417 |
| Credit loss provision to net charge-offs | 85.1614% | 3,957 |
| Earnings coverage of net charge-offs (x) | 5.0760% | 2,882 |
| Efficiency ratio | 61.8145% | 5,439 |
| Assets per employee ($millions) | 3.8407% | 4,211 |
| Cash dividends to net income (ytd only)* | 55.1143% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4730% | 4,238 |
| Loan loss allowance to noncurrent loans | 64.1413% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 2.4131% | 2,670 |
| Noncurrent loans to loans | 2.2965% | 2,999 |
| Net loans and leases to total assets | 61.4177% | 3,868 |
| Net loans and leases to deposits | 79.3613% | 2,753 |
| Net loans and leases to core deposits | 85.8174% | 2,797 |
| Total domestic deposits to total assets | 76.4326% | 6,471 |
| Equity capital to assets | 12.9595% | 1,633 |
| Core capital (leverage) ratio | 10.1245% | 3,280 |
| Tier 1 risk-based capital ratio | 14.3808% | 4,069 |
| Total risk-based capital ratio | 16.3756% | 3,561 |
| Memoranda: | ||
| Average total assets | $9,500,904,000 | 110 |
| Average earning assets | $8,413,977,000 | 114 |
| Average equity | $1,202,606,750 | 110 |
| Average total loans | $6,024,244,000 | 106 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6305% | 4,844 |
| Cost of funding earning assets | 0.5241% | 6,766 |
| Net interest margin | 4.1064% | 2,384 |
| Noninterest income to average assets | 1.6165% | 500 |
| Noninterest expense to average assets | 3.2332% | 2,796 |
| Loan and lease loss provision to assets | 0.3285% | 2,816 |
| Net operating income to assets | 1.1751% | 1,646 |
| Return on assets (ROA) | 1.1759% | 1,732 |
| Pretax return on assets | 1.6926% | 1,073 |
| Return on Equity (ROE) | 9.3655% | 2,356 |
| Retained earnings to average equity (ytd only) | 4.2582% | 3,485 |
| Net charge-offs to loans | 0.7378% | 2,032 |
| Credit loss provision to net charge-offs | 69.8205% | 4,059 |
| Earnings coverage of net charge-offs (x) | 4.2931% | 2,906 |
| Efficiency ratio | 60.9349% | 5,738 |
| Assets per employee ($millions) | 3.7892% | 4,223 |
| Cash dividends to net income (ytd only)* | 54.5334% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 4,484 |
| Loan loss allowance to noncurrent loans | 55.8444% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 2.5859% | 2,575 |
| Noncurrent loans to loans | 2.5397% | 2,845 |
| Net loans and leases to total assets | 61.9396% | 3,895 |
| Net loans and leases to deposits | 79.3500% | 2,916 |
| Net loans and leases to core deposits | 86.3297% | 2,859 |
| Total domestic deposits to total assets | 76.9542% | 6,457 |
| Equity capital to assets | 12.6658% | 1,700 |
| Core capital (leverage) ratio | 9.9222% | 3,361 |
| Tier 1 risk-based capital ratio | 14.0898% | 4,104 |
| Total risk-based capital ratio | 16.0885% | 3,557 |
| Memoranda: | ||
| Average total assets | $9,471,133,330 | 113 |
| Average earning assets | $8,387,213,330 | 114 |
| Average equity | $1,189,194,000 | 112 |
| Average total loans | $6,039,610,000 | 106 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6174% | 4,874 |
| Cost of funding earning assets | 0.5268% | 6,873 |
| Net interest margin | 4.0906% | 2,301 |
| Noninterest income to average assets | 1.4549% | 603 |
| Noninterest expense to average assets | 3.2661% | 2,657 |
| Loan and lease loss provision to assets | 0.3141% | 2,659 |
| Net operating income to assets | 1.0240% | 2,095 |
| Return on assets (ROA) | 1.0242% | 2,144 |
| Pretax return on assets | 1.5026% | 1,439 |
| Return on Equity (ROE) | 8.1937% | 2,836 |
| Retained earnings to average equity (ytd only) | 3.0320% | 4,341 |
| Net charge-offs to loans | 0.5045% | 2,214 |
| Credit loss provision to net charge-offs | 96.9057% | 2,814 |
| Earnings coverage of net charge-offs (x) | 5.6043% | 2,246 |
| Efficiency ratio | 63.6242% | 5,426 |
| Assets per employee ($millions) | 3.8481% | 4,192 |
| Cash dividends to net income (ytd only)* | 62.9963% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5368% | 4,020 |
| Loan loss allowance to noncurrent loans | 61.0121% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 2.5184% | 2,713 |
| Noncurrent loans to loans | 2.5189% | 2,966 |
| Net loans and leases to total assets | 62.6433% | 3,725 |
| Net loans and leases to deposits | 80.9563% | 2,537 |
| Net loans and leases to core deposits | 88.7233% | 2,516 |
| Total domestic deposits to total assets | 76.4365% | 6,611 |
| Equity capital to assets | 12.5685% | 1,589 |
| Core capital (leverage) ratio | 9.8527% | 3,330 |
| Tier 1 risk-based capital ratio | 13.8526% | 4,176 |
| Total risk-based capital ratio | 15.8531% | 3,629 |
| Memoranda: | ||
| Average total assets | $9,413,306,000 | 116 |
| Average earning assets | $8,347,752,500 | 115 |
| Average equity | $1,176,667,000 | 113 |
| Average total loans | $6,047,690,500 | 108 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8890% | 5,087 |
| Cost of funding earning assets | 0.6487% | 7,007 |
| Net interest margin | 4.2403% | 2,030 |
| Noninterest income to average assets | 1.5715% | 592 |
| Noninterest expense to average assets | 3.2750% | 2,817 |
| Loan and lease loss provision to assets | 0.5390% | 2,994 |
| Net operating income to assets | 1.0609% | 1,835 |
| Return on assets (ROA) | 1.0784% | 1,859 |
| Pretax return on assets | 1.5301% | 1,299 |
| Return on Equity (ROE) | 8.6145% | 2,459 |
| Retained earnings to average equity (ytd only) | 3.3780% | 3,503 |
| Net charge-offs to loans | 0.9561% | 2,265 |
| Credit loss provision to net charge-offs | 84.0383% | 5,384 |
| Earnings coverage of net charge-offs (x) | 3.1868% | 3,482 |
| Efficiency ratio | 60.8688% | 5,917 |
| Assets per employee ($millions) | 3.8567% | 4,120 |
| Cash dividends to net income (ytd only)* | 60.7871% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5071% | 3,969 |
| Loan loss allowance to noncurrent loans | 57.2771% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 2.5973% | 2,686 |
| Noncurrent loans to loans | 2.6313% | 2,891 |
| Net loans and leases to total assets | 63.8920% | 3,896 |
| Net loans and leases to deposits | 87.4043% | 1,881 |
| Net loans and leases to core deposits | 95.2012% | 2,100 |
| Total domestic deposits to total assets | 72.7086% | 7,025 |
| Equity capital to assets | 12.4318% | 1,680 |
| Core capital (leverage) ratio | 9.8917% | 3,219 |
| Tier 1 risk-based capital ratio | 13.4152% | 4,284 |
| Total risk-based capital ratio | 15.3992% | 3,725 |
| Memoranda: | ||
| Average total assets | $9,281,185,800 | 116 |
| Average earning assets | $8,202,780,800 | 116 |
| Average equity | $1,161,898,000 | 110 |
| Average total loans | $6,226,568,000 | 108 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9303% | 5,130 |
| Cost of funding earning assets | 0.6787% | 7,110 |
| Net interest margin | 4.2515% | 2,026 |
| Noninterest income to average assets | 1.5710% | 566 |
| Noninterest expense to average assets | 3.2608% | 2,706 |
| Loan and lease loss provision to assets | 0.5534% | 2,733 |
| Net operating income to assets | 1.0582% | 2,045 |
| Return on assets (ROA) | 1.0807% | 2,074 |
| Pretax return on assets | 1.5435% | 1,495 |
| Return on Equity (ROE) | 8.6169% | 2,642 |
| Retained earnings to average equity (ytd only) | 3.3632% | 4,081 |
| Net charge-offs to loans | 0.9989% | 2,007 |
| Credit loss provision to net charge-offs | 81.8900% | 5,078 |
| Earnings coverage of net charge-offs (x) | 3.0554% | 3,605 |
| Efficiency ratio | 60.5223% | 5,868 |
| Assets per employee ($millions) | 3.7867% | 4,302 |
| Cash dividends to net income (ytd only)* | 60.9699% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 3,911 |
| Loan loss allowance to noncurrent loans | 43.3511% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 3.2013% | 2,238 |
| Noncurrent loans to loans | 3.4866% | 2,277 |
| Net loans and leases to total assets | 65.3049% | 3,843 |
| Net loans and leases to deposits | 88.0950% | 1,997 |
| Net loans and leases to core deposits | 95.9738% | 2,264 |
| Total domestic deposits to total assets | 73.7064% | 6,957 |
| Equity capital to assets | 12.7118% | 1,745 |
| Core capital (leverage) ratio | 9.9284% | 3,322 |
| Tier 1 risk-based capital ratio | 13.2760% | 4,367 |
| Total risk-based capital ratio | 15.2594% | 3,800 |
| Memoranda: | ||
| Average total assets | $9,245,043,500 | 115 |
| Average earning assets | $8,164,359,750 | 114 |
| Average equity | $1,159,425,750 | 110 |
| Average total loans | $6,254,595,000 | 106 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9768% | 5,044 |
| Cost of funding earning assets | 0.7080% | 7,181 |
| Net interest margin | 4.2688% | 1,897 |
| Noninterest income to average assets | 1.5664% | 525 |
| Noninterest expense to average assets | 3.2493% | 2,728 |
| Loan and lease loss provision to assets | 0.5664% | 2,507 |
| Net operating income to assets | 1.0323% | 2,073 |
| Return on assets (ROA) | 1.0651% | 2,038 |
| Pretax return on assets | 1.5658% | 1,391 |
| Return on Equity (ROE) | 8.5318% | 2,654 |
| Retained earnings to average equity (ytd only) | 3.2502% | 4,031 |
| Net charge-offs to loans | 0.9045% | 2,025 |
| Credit loss provision to net charge-offs | 91.9534% | 4,371 |
| Earnings coverage of net charge-offs (x) | 3.3832% | 3,345 |
| Efficiency ratio | 60.2181% | 6,008 |
| Assets per employee ($millions) | 3.6774% | 4,531 |
| Cash dividends to net income (ytd only)* | 61.9051% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6103% | 3,401 |
| Loan loss allowance to noncurrent loans | 46.2456% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 3.3335% | 2,115 |
| Noncurrent loans to loans | 3.4821% | 2,275 |
| Net loans and leases to total assets | 66.5445% | 3,729 |
| Net loans and leases to deposits | 86.6776% | 2,404 |
| Net loans and leases to core deposits | 94.1655% | 2,691 |
| Total domestic deposits to total assets | 76.3612% | 6,618 |
| Equity capital to assets | 12.7776% | 1,659 |
| Core capital (leverage) ratio | 9.7411% | 3,486 |
| Tier 1 risk-based capital ratio | 13.0641% | 4,387 |
| Total risk-based capital ratio | 15.0465% | 3,846 |
| Memoranda: | ||
| Average total assets | $9,227,978,330 | 116 |
| Average earning assets | $8,143,120,000 | 114 |
| Average equity | $1,151,993,670 | 107 |
| Average total loans | $6,284,770,000 | 106 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9518% | 5,229 |
| Cost of funding earning assets | 0.7318% | 7,265 |
| Net interest margin | 4.2200% | 1,962 |
| Noninterest income to average assets | 1.6007% | 482 |
| Noninterest expense to average assets | 3.2087% | 2,823 |
| Loan and lease loss provision to assets | 0.6798% | 1,872 |
| Net operating income to assets | 0.9803% | 2,256 |
| Return on assets (ROA) | 0.9911% | 2,284 |
| Pretax return on assets | 1.4490% | 1,639 |
| Return on Equity (ROE) | 8.0322% | 2,870 |
| Retained earnings to average equity (ytd only) | 2.7187% | 4,505 |
| Net charge-offs to loans | 1.0767% | 1,552 |
| Credit loss provision to net charge-offs | 92.3902% | 3,604 |
| Earnings coverage of net charge-offs (x) | 2.8717% | 3,112 |
| Efficiency ratio | 59.5916% | 6,247 |
| Assets per employee ($millions) | 3.7252% | 4,511 |
| Cash dividends to net income (ytd only)* | 66.1520% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6075% | 3,407 |
| Loan loss allowance to noncurrent loans | 45.2115% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 3.3952% | 2,092 |
| Noncurrent loans to loans | 3.5555% | 2,245 |
| Net loans and leases to total assets | 67.0299% | 3,624 |
| Net loans and leases to deposits | 87.6415% | 2,293 |
| Net loans and leases to core deposits | 95.5077% | 2,639 |
| Total domestic deposits to total assets | 75.9977% | 6,758 |
| Equity capital to assets | 12.5783% | 1,708 |
| Core capital (leverage) ratio | 9.4970% | 3,777 |
| Tier 1 risk-based capital ratio | 12.7015% | 4,556 |
| Total risk-based capital ratio | 14.6727% | 3,995 |
| Memoranda: | ||
| Average total assets | $9,280,150,500 | 116 |
| Average earning assets | $8,182,398,000 | 111 |
| Average equity | $1,145,097,500 | 103 |
| Average total loans | $6,341,833,500 | 103 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1603% | 5,832 |
| Cost of funding earning assets | 0.9912% | 7,223 |
| Net interest margin | 4.1692% | 2,184 |
| Noninterest income to average assets | 1.6189% | 552 |
| Noninterest expense to average assets | 3.1116% | 3,685 |
| Loan and lease loss provision to assets | 0.8102% | 2,699 |
| Net operating income to assets | 0.9454% | 2,021 |
| Return on assets (ROA) | 0.9846% | 1,945 |
| Pretax return on assets | 1.4520% | 1,312 |
| Return on Equity (ROE) | 7.7303% | 2,484 |
| Retained earnings to average equity (ytd only) | 2.4300% | 3,433 |
| Net charge-offs to loans | 1.0205% | 2,368 |
| Credit loss provision to net charge-offs | 112.8323% | 4,860 |
| Earnings coverage of net charge-offs (x) | 3.0703% | 3,532 |
| Efficiency ratio | 57.7557% | 6,797 |
| Assets per employee ($millions) | 3.7873% | 4,306 |
| Cash dividends to net income (ytd only)* | 68.5652% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5783% | 3,363 |
| Loan loss allowance to noncurrent loans | 51.7887% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 3.0279% | 2,307 |
| Noncurrent loans to loans | 3.0476% | 2,532 |
| Net loans and leases to total assets | 67.4631% | 3,820 |
| Net loans and leases to deposits | 90.0015% | 2,217 |
| Net loans and leases to core deposits | 105.6680% | 3,376 |
| Total domestic deposits to total assets | 74.3696% | 6,965 |
| Equity capital to assets | 12.1060% | 1,974 |
| Core capital (leverage) ratio | 9.4487% | 3,783 |
| Tier 1 risk-based capital ratio | 12.2129% | 4,754 |
| Total risk-based capital ratio | 14.1628% | 4,149 |
| Memoranda: | ||
| Average total assets | $9,488,804,200 | 109 |
| Average earning assets | $8,414,767,600 | 109 |
| Average equity | $1,208,554,800 | 98 |
| Average total loans | $6,676,476,400 | 103 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1982% | 5,885 |
| Cost of funding earning assets | 1.0389% | 7,310 |
| Net interest margin | 4.1594% | 2,179 |
| Noninterest income to average assets | 1.6156% | 564 |
| Noninterest expense to average assets | 3.1189% | 3,584 |
| Loan and lease loss provision to assets | 0.8325% | 2,298 |
| Net operating income to assets | 0.9139% | 2,373 |
| Return on assets (ROA) | 0.9651% | 2,232 |
| Pretax return on assets | 1.4351% | 1,608 |
| Return on Equity (ROE) | 7.4858% | 2,872 |
| Retained earnings to average equity (ytd only) | 2.0905% | 4,160 |
| Net charge-offs to loans | 1.0131% | 1,948 |
| Credit loss provision to net charge-offs | 116.0440% | 4,375 |
| Earnings coverage of net charge-offs (x) | 3.0544% | 3,703 |
| Efficiency ratio | 57.9606% | 6,719 |
| Assets per employee ($millions) | 3.6918% | 4,444 |
| Cash dividends to net income (ytd only)* | 72.0730% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5524% | 3,185 |
| Loan loss allowance to noncurrent loans | 55.7085% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 2.7217% | 2,553 |
| Noncurrent loans to loans | 2.7867% | 2,727 |
| Net loans and leases to total assets | 69.3676% | 3,640 |
| Net loans and leases to deposits | 95.2518% | 1,678 |
| Net loans and leases to core deposits | 112.7348% | 2,955 |
| Total domestic deposits to total assets | 72.4103% | 7,160 |
| Equity capital to assets | 13.4777% | 1,510 |
| Core capital (leverage) ratio | 10.4104% | 2,867 |
| Tier 1 risk-based capital ratio | 13.6922% | 3,717 |
| Total risk-based capital ratio | 15.6440% | 3,278 |
| Memoranda: | ||
| Average total assets | $9,511,931,750 | 116 |
| Average earning assets | $8,448,775,250 | 115 |
| Average equity | $1,226,314,500 | 102 |
| Average total loans | $6,735,424,500 | 105 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2037% | 6,066 |
| Cost of funding earning assets | 1.0872% | 7,398 |
| Net interest margin | 4.1165% | 2,267 |
| Noninterest income to average assets | 1.6050% | 584 |
| Noninterest expense to average assets | 3.1070% | 3,674 |
| Loan and lease loss provision to assets | 0.9098% | 1,856 |
| Net operating income to assets | 0.8400% | 2,700 |
| Return on assets (ROA) | 0.9019% | 2,554 |
| Pretax return on assets | 1.3388% | 1,908 |
| Return on Equity (ROE) | 7.0992% | 3,166 |
| Retained earnings to average equity (ytd only) | 1.6633% | 4,414 |
| Net charge-offs to loans | 1.0789% | 1,676 |
| Credit loss provision to net charge-offs | 118.9018% | 3,909 |
| Earnings coverage of net charge-offs (x) | 2.8180% | 3,681 |
| Efficiency ratio | 58.2579% | 6,823 |
| Assets per employee ($millions) | 3.7765% | 4,158 |
| Cash dividends to net income (ytd only)* | 76.5711% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4807% | 3,305 |
| Loan loss allowance to noncurrent loans | 59.4805% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 2.3370% | 2,782 |
| Noncurrent loans to loans | 2.4894% | 2,913 |
| Net loans and leases to total assets | 69.9518% | 3,717 |
| Net loans and leases to deposits | 94.8270% | 1,973 |
| Net loans and leases to core deposits | 112.0018% | 3,133 |
| Total domestic deposits to total assets | 73.3309% | 7,062 |
| Equity capital to assets | 12.9200% | 1,725 |
| Core capital (leverage) ratio | 10.0885% | 3,201 |
| Tier 1 risk-based capital ratio | 13.0890% | 4,077 |
| Total risk-based capital ratio | 15.0120% | 3,584 |
| Memoranda: | ||
| Average total assets | $9,601,125,670 | 119 |
| Average earning assets | $8,532,048,670 | 118 |
| Average equity | $1,219,776,670 | 108 |
| Average total loans | $6,809,329,330 | 108 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2026% | 6,284 |
| Cost of funding earning assets | 1.1103% | 7,500 |
| Net interest margin | 4.0923% | 2,304 |
| Noninterest income to average assets | 1.7672% | 440 |
| Noninterest expense to average assets | 3.0351% | 3,608 |
| Loan and lease loss provision to assets | 0.6974% | 1,816 |
| Net operating income to assets | 1.1036% | 1,950 |
| Return on assets (ROA) | 1.1044% | 2,074 |
| Pretax return on assets | 1.6808% | 1,214 |
| Return on Equity (ROE) | 8.7660% | 2,812 |
| Retained earnings to average equity (ytd only) | 3.3135% | 4,035 |
| Net charge-offs to loans | 0.6647% | 1,851 |
| Credit loss provision to net charge-offs | 148.0341% | 2,815 |
| Earnings coverage of net charge-offs (x) | 5.0454% | 2,759 |
| Efficiency ratio | 55.3314% | 7,066 |
| Assets per employee ($millions) | 3.7985% | 4,099 |
| Cash dividends to net income (ytd only)* | 62.2003% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 3,295 |
| Loan loss allowance to noncurrent loans | 59.8749% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 2.1280% | 2,709 |
| Noncurrent loans to loans | 2.4036% | 2,746 |
| Net loans and leases to total assets | 69.8267% | 3,714 |
| Net loans and leases to deposits | 96.0574% | 1,934 |
| Net loans and leases to core deposits | 114.1821% | 2,992 |
| Total domestic deposits to total assets | 72.2911% | 7,164 |
| Equity capital to assets | 12.7144% | 1,877 |
| Core capital (leverage) ratio | 9.8860% | 3,538 |
| Tier 1 risk-based capital ratio | 12.9389% | 4,218 |
| Total risk-based capital ratio | 14.8428% | 3,727 |
| Memoranda: | ||
| Average total assets | $9,652,748,000 | 118 |
| Average earning assets | $8,597,417,000 | 118 |
| Average equity | $1,216,101,000 | 108 |
| Average total loans | $6,842,096,000 | 110 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9129% | 5,973 |
| Cost of funding earning assets | 1.9519% | 6,560 |
| Net interest margin | 3.9610% | 3,304 |
| Noninterest income to average assets | 1.9256% | 365 |
| Noninterest expense to average assets | 3.0646% | 3,843 |
| Loan and lease loss provision to assets | 0.8353% | 1,785 |
| Net operating income to assets | 1.0212% | 2,469 |
| Return on assets (ROA) | 1.0249% | 2,336 |
| Pretax return on assets | 1.5148% | 1,638 |
| Return on Equity (ROE) | 9.1005% | 2,607 |
| Retained earnings to average equity (ytd only) | 2.7141% | 3,493 |
| Net charge-offs to loans | 0.8804% | 1,407 |
| Credit loss provision to net charge-offs | 124.4715% | 4,303 |
| Earnings coverage of net charge-offs (x) | 3.4936% | 4,341 |
| Efficiency ratio | 55.8135% | 7,038 |
| Assets per employee ($millions) | 3.7738% | 4,017 |
| Cash dividends to net income (ytd only)* | 70.1763% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 3,440 |
| Loan loss allowance to noncurrent loans | 68.0318% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 1.8037% | 2,724 |
| Noncurrent loans to loans | 1.9941% | 2,773 |
| Net loans and leases to total assets | 69.9563% | 4,025 |
| Net loans and leases to deposits | 101.1277% | 1,690 |
| Net loans and leases to core deposits | 120.9111% | 2,609 |
| Total domestic deposits to total assets | 68.6907% | 7,410 |
| Equity capital to assets | 12.4827% | 2,021 |
| Core capital (leverage) ratio | 10.1342% | 3,332 |
| Tier 1 risk-based capital ratio | 12.6283% | 4,346 |
| Total risk-based capital ratio | 14.5225% | 3,861 |
| Memoranda: | ||
| Average total assets | $9,114,595,400 | 118 |
| Average earning assets | $8,016,183,200 | 119 |
| Average equity | $1,026,521,400 | 114 |
| Average total loans | $6,947,496,000 | 108 |