| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7901% | 2,490 |
| Cost of funding earning assets | 2.3376% | 511 |
| Net interest margin | 2.4525% | 4,141 |
| Noninterest income to average assets | 0.9900% | 650 |
| Noninterest expense to average assets | 2.1517% | 3,247 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.8606% | 2,674 |
| Return on assets (ROA) | 0.8531% | 2,669 |
| Pretax return on assets | 1.0285% | 2,589 |
| Return on Equity (ROE) | 12.1300% | 1,920 |
| Retained earnings to average equity (ytd only) | 10.1355% | 983 |
| Net charge-offs to loans | 0.0470% | 1,402 |
| Credit loss provision to net charge-offs | 366.3930% | 829 |
| Earnings coverage of net charge-offs (x) | 44.4593% | 1,368 |
| Efficiency ratio | 64.7817% | 2,511 |
| Assets per employee ($millions) | 15.7020% | 184 |
| Cash dividends to net income (ytd only)* | 16.4769% | 3,062 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9481% | 3,546 |
| Loan loss allowance to noncurrent loans | 1,346.1864% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 3,333 |
| Noncurrent loans to loans | 0.0704% | 3,211 |
| Net loans and leases to total assets | 52.5000% | 3,456 |
| Net loans and leases to deposits | 63.8767% | 3,296 |
| Net loans and leases to core deposits | 68.9615% | 3,358 |
| Total domestic deposits to total assets | 82.1900% | 3,093 |
| Equity capital to assets | 7.1424% | 3,878 |
| Core capital (leverage) ratio | 8.5166% | 4,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8970% | 2,612 |
| Memoranda: |
| Average total assets | $40,905,926,600 | 54 |
| Average earning assets | $38,355,707,600 | 52 |
| Average equity | $2,875,759,400 | 73 |
| Average total loans | $22,279,267,800 | 59 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7470% | 2,378 |
| Cost of funding earning assets | 2.2519% | 455 |
| Net interest margin | 2.4951% | 4,148 |
| Noninterest income to average assets | 1.0000% | 646 |
| Noninterest expense to average assets | 2.0526% | 3,460 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 0.9390% | 2,550 |
| Return on assets (ROA) | 0.9268% | 2,579 |
| Pretax return on assets | 1.1357% | 2,469 |
| Return on Equity (ROE) | 13.2400% | 1,855 |
| Retained earnings to average equity (ytd only) | 11.5815% | 1,056 |
| Net charge-offs to loans | 0.0551% | 1,116 |
| Credit loss provision to net charge-offs | 424.7753% | 699 |
| Earnings coverage of net charge-offs (x) | 42.5531% | 1,412 |
| Efficiency ratio | 60.8252% | 2,869 |
| Assets per employee ($millions) | 14.5140% | 219 |
| Cash dividends to net income (ytd only)* | 12.5259% | 2,718 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9677% | 3,508 |
| Loan loss allowance to noncurrent loans | 1,102.5690% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 3,321 |
| Noncurrent loans to loans | 0.0878% | 3,145 |
| Net loans and leases to total assets | 55.0200% | 3,285 |
| Net loans and leases to deposits | 67.5021% | 3,012 |
| Net loans and leases to core deposits | 73.3987% | 3,028 |
| Total domestic deposits to total assets | 81.5100% | 3,308 |
| Equity capital to assets | 6.8901% | 3,668 |
| Core capital (leverage) ratio | 8.6193% | 4,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7679% | 2,677 |
| Memoranda: |
| Average total assets | $40,199,920,000 | 56 |
| Average earning assets | $37,665,777,750 | 53 |
| Average equity | $2,813,855,750 | 76 |
| Average total loans | $22,054,858,750 | 60 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 308,645.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3,308,055.0000% | 2 |
| Cost of funding earning assets | 36,250.0000% | 1 |
| Net interest margin | 13.0000% | 19 |
| Noninterest income to average assets | 0.0130% | 4,560 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 1.0000% | 65 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 0.9195% | 2,674 |
| Pretax return on assets | 1.1265% | 2,573 |
| Return on Equity (ROE) | 13.0700% | 1,886 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,069 |
| Net charge-offs to loans | 0.0030% | 2,232 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 988 |
| Efficiency ratio | 4.3928% | 4,611 |
| Assets per employee ($millions) | 0.0680% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0218% | 2,907 |
| Condition Ratios (%) |
| Loss allowance to loans | 255,469.0000% | 2 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 26.0000% | 7 |
| Noncurrent loans to loans | 0.0019% | 3,825 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0002% | 4,546 |
| Total domestic deposits to total assets | 772.0000% | 16 |
| Equity capital to assets | 6,445.0000% | 36 |
| Core capital (leverage) ratio | 0.0000% | 4,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $1,582,000 | 4,647 |
| Average earning assets | $10,271 | 4,611 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4342% | 2,454 |
| Cost of funding earning assets | 1.7548% | 489 |
| Net interest margin | 2.6794% | 4,095 |
| Noninterest income to average assets | 1.0300% | 549 |
| Noninterest expense to average assets | 2.0755% | 3,437 |
| Loan and lease loss provision to assets | 0.2400% | 401 |
| Net operating income to assets | 1.0064% | 2,508 |
| Return on assets (ROA) | 0.9646% | 2,602 |
| Pretax return on assets | 1.1808% | 2,479 |
| Return on Equity (ROE) | 13.6800% | 1,840 |
| Retained earnings to average equity (ytd only) | 13.6826% | 981 |
| Net charge-offs to loans | 0.0867% | 644 |
| Credit loss provision to net charge-offs | 502.1753% | 541 |
| Earnings coverage of net charge-offs (x) | 31.0814% | 1,289 |
| Efficiency ratio | 57.9287% | 3,201 |
| Assets per employee ($millions) | 13.6793% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9650% | 3,654 |
| Loan loss allowance to noncurrent loans | 1,223.6761% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 3,357 |
| Noncurrent loans to loans | 0.0789% | 3,174 |
| Net loans and leases to total assets | 53.5400% | 3,235 |
| Net loans and leases to deposits | 67.3506% | 2,822 |
| Net loans and leases to core deposits | 72.3544% | 2,791 |
| Total domestic deposits to total assets | 79.4900% | 3,835 |
| Equity capital to assets | 7.0821% | 3,790 |
| Core capital (leverage) ratio | 8.4385% | 4,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5772% | 2,837 |
| Memoranda: |
| Average total assets | $39,316,528,500 | 59 |
| Average earning assets | $36,849,872,500 | 57 |
| Average equity | $2,771,849,000 | 76 |
| Average total loans | $21,423,780,500 | 63 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0712% | 4,042 |
| Cost of funding earning assets | 0.5643% | 1,043 |
| Net interest margin | 2.5069% | 4,285 |
| Noninterest income to average assets | 0.9900% | 658 |
| Noninterest expense to average assets | 2.0510% | 3,437 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.0050% | 2,545 |
| Return on assets (ROA) | 0.9962% | 2,533 |
| Pretax return on assets | 1.2066% | 2,414 |
| Return on Equity (ROE) | 14.8200% | 1,305 |
| Retained earnings to average equity (ytd only) | 13.1065% | 494 |
| Net charge-offs to loans | 0.2103% | 394 |
| Credit loss provision to net charge-offs | 92.6382% | 1,620 |
| Earnings coverage of net charge-offs (x) | 12.8905% | 2,093 |
| Efficiency ratio | 60.6002% | 2,972 |
| Assets per employee ($millions) | 12.9409% | 309 |
| Cash dividends to net income (ytd only)* | 11.5513% | 3,190 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9121% | 3,721 |
| Loan loss allowance to noncurrent loans | 918.4909% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 3,258 |
| Noncurrent loans to loans | 0.0993% | 3,055 |
| Net loans and leases to total assets | 54.4500% | 3,155 |
| Net loans and leases to deposits | 63.4833% | 3,082 |
| Net loans and leases to core deposits | 64.5248% | 3,234 |
| Total domestic deposits to total assets | 85.7600% | 2,790 |
| Equity capital to assets | 7.0163% | 3,658 |
| Core capital (leverage) ratio | 8.4566% | 4,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4728% | 2,868 |
| Memoranda: |
| Average total assets | $39,104,811,000 | 61 |
| Average earning assets | $36,998,813,000 | 57 |
| Average equity | $2,628,981,000 | 85 |
| Average total loans | $18,959,330,200 | 71 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7522% | 4,243 |
| Cost of funding earning assets | 0.3307% | 1,853 |
| Net interest margin | 2.4215% | 4,298 |
| Noninterest income to average assets | 0.9900% | 677 |
| Noninterest expense to average assets | 2.0091% | 3,462 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.9762% | 2,559 |
| Return on assets (ROA) | 0.9651% | 2,582 |
| Pretax return on assets | 1.1679% | 2,499 |
| Return on Equity (ROE) | 14.5100% | 1,289 |
| Retained earnings to average equity (ytd only) | 12.2149% | 746 |
| Net charge-offs to loans | 0.2724% | 247 |
| Credit loss provision to net charge-offs | 73.8369% | 1,443 |
| Earnings coverage of net charge-offs (x) | 10.0102% | 2,005 |
| Efficiency ratio | 60.7844% | 3,014 |
| Assets per employee ($millions) | 13.0653% | 293 |
| Cash dividends to net income (ytd only)* | 15.8144% | 2,636 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9298% | 3,770 |
| Loan loss allowance to noncurrent loans | 828.0923% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 3,290 |
| Noncurrent loans to loans | 0.1123% | 3,086 |
| Net loans and leases to total assets | 52.8000% | 3,204 |
| Net loans and leases to deposits | 61.5384% | 3,065 |
| Net loans and leases to core deposits | 63.1555% | 3,176 |
| Total domestic deposits to total assets | 85.8000% | 3,111 |
| Equity capital to assets | 6.6711% | 3,670 |
| Core capital (leverage) ratio | 8.5894% | 3,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8745% | 2,855 |
| Memoranda: |
| Average total assets | $39,311,250,000 | 63 |
| Average earning assets | $37,288,220,500 | 58 |
| Average equity | $2,614,780,500 | 87 |
| Average total loans | $18,440,871,000 | 73 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4719% | 4,401 |
| Cost of funding earning assets | 0.1525% | 3,537 |
| Net interest margin | 2.3194% | 4,317 |
| Noninterest income to average assets | 0.9640% | 725 |
| Noninterest expense to average assets | 1.9457% | 3,582 |
| Loan and lease loss provision to assets | 0.0345% | 1,956 |
| Net operating income to assets | 0.9941% | 2,181 |
| Return on assets (ROA) | 0.9823% | 2,195 |
| Pretax return on assets | 1.1748% | 2,153 |
| Return on Equity (ROE) | 14.7824% | 939 |
| Retained earnings to average equity (ytd only) | 11.3947% | 720 |
| Net charge-offs to loans | 0.4065% | 172 |
| Credit loss provision to net charge-offs | 16.6575% | 1,617 |
| Earnings coverage of net charge-offs (x) | 6.6983% | 1,886 |
| Efficiency ratio | 61.0711% | 3,172 |
| Assets per employee ($millions) | 13.4078% | 268 |
| Cash dividends to net income (ytd only)* | 22.9176% | 2,357 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8662% | 4,045 |
| Loan loss allowance to noncurrent loans | 762.1667% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 3,081 |
| Noncurrent loans to loans | 0.1137% | 3,172 |
| Net loans and leases to total assets | 50.4969% | 3,324 |
| Net loans and leases to deposits | 59.1924% | 3,115 |
| Net loans and leases to core deposits | 59.5012% | 3,304 |
| Total domestic deposits to total assets | 85.3098% | 3,411 |
| Equity capital to assets | 6.5056% | 4,018 |
| Core capital (leverage) ratio | 7.6177% | 4,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3747% | 2,951 |
| Memoranda: |
| Average total assets | $39,976,829,667 | 59 |
| Average earning assets | $38,004,811,000 | 58 |
| Average equity | $2,656,612,667 | 87 |
| Average total loans | $17,959,018,667 | 74 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.2453% | 4,505 |
| Cost of funding earning assets | 0.0848% | 4,301 |
| Net interest margin | 2.1605% | 4,385 |
| Noninterest income to average assets | 0.9333% | 792 |
| Noninterest expense to average assets | 1.8579% | 3,790 |
| Loan and lease loss provision to assets | -0.0629% | 4,541 |
| Net operating income to assets | 1.0076% | 1,850 |
| Return on assets (ROA) | 0.9870% | 1,927 |
| Pretax return on assets | 1.1751% | 1,899 |
| Return on Equity (ROE) | 14.7123% | 701 |
| Retained earnings to average equity (ytd only) | 11.4671% | 691 |
| Net charge-offs to loans | 0.1920% | 320 |
| Credit loss provision to net charge-offs | -84.8054% | 2,865 |
| Earnings coverage of net charge-offs (x) | 14.0238% | 1,377 |
| Efficiency ratio | 61.7316% | 3,297 |
| Assets per employee ($millions) | 14.6195% | 221 |
| Cash dividends to net income (ytd only)* | 22.0575% | 1,941 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0111% | 3,674 |
| Loan loss allowance to noncurrent loans | 157.3309% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.2828% | 1,995 |
| Noncurrent loans to loans | 0.6427% | 1,467 |
| Net loans and leases to total assets | 43.5646% | 3,770 |
| Net loans and leases to deposits | 50.8059% | 3,660 |
| Net loans and leases to core deposits | 51.0770% | 3,798 |
| Total domestic deposits to total assets | 85.7472% | 3,332 |
| Equity capital to assets | 6.3946% | 4,469 |
| Core capital (leverage) ratio | 7.1897% | 4,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0176% | 2,888 |
| Memoranda: |
| Average total assets | $41,341,799,000 | 58 |
| Average earning assets | $39,445,029,000 | 57 |
| Average equity | $2,773,356,000 | 86 |
| Average total loans | $17,452,088,000 | 76 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4695% | 4,505 |
| Cost of funding earning assets | 0.0967% | 4,407 |
| Net interest margin | 2.3728% | 4,352 |
| Noninterest income to average assets | 0.9600% | 1,077 |
| Noninterest expense to average assets | 1.9874% | 3,717 |
| Loan and lease loss provision to assets | 0.0545% | 1,966 |
| Net operating income to assets | 0.9523% | 2,859 |
| Return on assets (ROA) | 0.9349% | 2,987 |
| Pretax return on assets | 1.1492% | 2,820 |
| Return on Equity (ROE) | 11.7707% | 1,889 |
| Retained earnings to average equity (ytd only) | 9.0260% | 1,195 |
| Net charge-offs to loans | 0.2697% | 332 |
| Credit loss provision to net charge-offs | 52.7500% | 2,117 |
| Earnings coverage of net charge-offs (x) | 10.0199% | 2,229 |
| Efficiency ratio | 61.5258% | 2,932 |
| Assets per employee ($millions) | 15.1401% | 199 |
| Cash dividends to net income (ytd only)* | 23.3179% | 2,884 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1342% | 3,202 |
| Loan loss allowance to noncurrent loans | 205.1668% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.2239% | 2,437 |
| Noncurrent loans to loans | 0.5528% | 1,740 |
| Net loans and leases to total assets | 40.0482% | 4,091 |
| Net loans and leases to deposits | 47.4099% | 4,028 |
| Net loans and leases to core deposits | 48.0045% | 4,091 |
| Total domestic deposits to total assets | 84.4723% | 3,431 |
| Equity capital to assets | 7.0065% | 4,717 |
| Core capital (leverage) ratio | 7.2612% | 4,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2414% | 2,827 |
| Memoranda: |
| Average total assets | $36,697,654,200 | 61 |
| Average earning assets | $34,838,382,200 | 59 |
| Average equity | $2,914,731,200 | 80 |
| Average total loans | $16,635,691,400 | 78 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5496% | 4,541 |
| Cost of funding earning assets | 0.1027% | 4,476 |
| Net interest margin | 2.4469% | 4,348 |
| Noninterest income to average assets | 0.9903% | 1,088 |
| Noninterest expense to average assets | 2.0186% | 3,614 |
| Loan and lease loss provision to assets | 0.0435% | 2,125 |
| Net operating income to assets | 1.0140% | 2,856 |
| Return on assets (ROA) | 0.9909% | 3,025 |
| Pretax return on assets | 1.2180% | 2,871 |
| Return on Equity (ROE) | 12.0493% | 2,030 |
| Retained earnings to average equity (ytd only) | 9.4065% | 1,534 |
| Net charge-offs to loans | 0.2974% | 269 |
| Credit loss provision to net charge-offs | 40.7324% | 1,918 |
| Earnings coverage of net charge-offs (x) | 9.2711% | 2,083 |
| Efficiency ratio | 60.6643% | 2,885 |
| Assets per employee ($millions) | 13.3815% | 275 |
| Cash dividends to net income (ytd only)* | 21.9335% | 2,449 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1786% | 3,085 |
| Loan loss allowance to noncurrent loans | 196.4048% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.2676% | 2,435 |
| Noncurrent loans to loans | 0.6001% | 1,808 |
| Net loans and leases to total assets | 43.6057% | 3,987 |
| Net loans and leases to deposits | 51.6808% | 3,906 |
| Net loans and leases to core deposits | 51.9536% | 4,042 |
| Total domestic deposits to total assets | 84.3750% | 3,345 |
| Equity capital to assets | 7.9009% | 4,563 |
| Core capital (leverage) ratio | 7.5544% | 4,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4953% | 2,865 |
| Memoranda: |
| Average total assets | $35,273,996,500 | 64 |
| Average earning assets | $33,420,175,250 | 61 |
| Average equity | $2,900,857,250 | 83 |
| Average total loans | $16,501,584,250 | 78 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5528% | 4,582 |
| Cost of funding earning assets | 0.1055% | 4,538 |
| Net interest margin | 2.4473% | 4,373 |
| Noninterest income to average assets | 1.0367% | 1,017 |
| Noninterest expense to average assets | 2.0268% | 3,614 |
| Loan and lease loss provision to assets | 0.0954% | 1,316 |
| Net operating income to assets | 0.9903% | 2,923 |
| Return on assets (ROA) | 0.9672% | 3,091 |
| Pretax return on assets | 1.2030% | 2,906 |
| Return on Equity (ROE) | 11.5967% | 2,200 |
| Retained earnings to average equity (ytd only) | 9.1700% | 1,658 |
| Net charge-offs to loans | 0.4080% | 206 |
| Credit loss provision to net charge-offs | 54.2513% | 1,585 |
| Earnings coverage of net charge-offs (x) | 6.8145% | 1,940 |
| Efficiency ratio | 60.0676% | 3,015 |
| Assets per employee ($millions) | 13.1560% | 275 |
| Cash dividends to net income (ytd only)* | 20.9259% | 2,468 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1856% | 3,020 |
| Loan loss allowance to noncurrent loans | 337.1713% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.1686% | 3,139 |
| Noncurrent loans to loans | 0.3516% | 2,646 |
| Net loans and leases to total assets | 45.9516% | 3,909 |
| Net loans and leases to deposits | 55.2105% | 3,771 |
| Net loans and leases to core deposits | 55.6576% | 3,915 |
| Total domestic deposits to total assets | 83.2298% | 3,659 |
| Equity capital to assets | 8.0732% | 4,489 |
| Core capital (leverage) ratio | 7.7121% | 4,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2241% | 2,915 |
| Memoranda: |
| Average total assets | $34,587,194,667 | 65 |
| Average earning assets | $32,751,783,000 | 62 |
| Average equity | $2,884,562,000 | 83 |
| Average total loans | $16,510,753,333 | 78 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5767% | 4,589 |
| Cost of funding earning assets | 0.1101% | 4,585 |
| Net interest margin | 2.4666% | 4,348 |
| Noninterest income to average assets | 1.0008% | 1,130 |
| Noninterest expense to average assets | 2.0465% | 3,571 |
| Loan and lease loss provision to assets | -0.0890% | 4,708 |
| Net operating income to assets | 1.0905% | 2,504 |
| Return on assets (ROA) | 0.9637% | 3,014 |
| Pretax return on assets | 1.2206% | 2,786 |
| Return on Equity (ROE) | 11.3593% | 2,246 |
| Retained earnings to average equity (ytd only) | 9.2603% | 1,870 |
| Net charge-offs to loans | 0.1302% | 565 |
| Credit loss provision to net charge-offs | -147.8154% | 2,896 |
| Earnings coverage of net charge-offs (x) | 20.4959% | 1,247 |
| Efficiency ratio | 60.9081% | 2,917 |
| Assets per employee ($millions) | 12.3066% | 321 |
| Cash dividends to net income (ytd only)* | 18.4784% | 2,048 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2286% | 2,769 |
| Loan loss allowance to noncurrent loans | 258.4309% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.2419% | 2,923 |
| Noncurrent loans to loans | 0.4754% | 2,422 |
| Net loans and leases to total assets | 47.3849% | 3,871 |
| Net loans and leases to deposits | 57.2435% | 3,698 |
| Net loans and leases to core deposits | 58.8482% | 3,779 |
| Total domestic deposits to total assets | 82.7778% | 3,745 |
| Equity capital to assets | 8.1792% | 4,376 |
| Core capital (leverage) ratio | 7.8093% | 4,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6129% | 2,786 |
| Memoranda: |
| Average total assets | $33,692,633,000 | 68 |
| Average earning assets | $31,932,870,000 | 64 |
| Average equity | $2,858,476,000 | 84 |
| Average total loans | $16,308,099,500 | 81 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9526% | 4,669 |
| Cost of funding earning assets | 0.2565% | 4,354 |
| Net interest margin | 2.6961% | 4,380 |
| Noninterest income to average assets | 1.1498% | 818 |
| Noninterest expense to average assets | 2.4575% | 2,966 |
| Loan and lease loss provision to assets | 0.4401% | 645 |
| Net operating income to assets | 0.6686% | 3,528 |
| Return on assets (ROA) | 1.0032% | 2,422 |
| Pretax return on assets | 1.1898% | 2,362 |
| Return on Equity (ROE) | 11.1961% | 1,558 |
| Retained earnings to average equity (ytd only) | 8.9877% | 773 |
| Net charge-offs to loans | 0.1346% | 1,201 |
| Credit loss provision to net charge-offs | 638.0124% | 1,064 |
| Earnings coverage of net charge-offs (x) | 17.7824% | 2,056 |
| Efficiency ratio | 66.1719% | 2,504 |
| Assets per employee ($millions) | 11.6978% | 340 |
| Cash dividends to net income (ytd only)* | 19.7246% | 3,247 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3407% | 2,230 |
| Loan loss allowance to noncurrent loans | 240.5714% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 2,863 |
| Noncurrent loans to loans | 0.5573% | 2,312 |
| Net loans and leases to total assets | 48.1945% | 3,959 |
| Net loans and leases to deposits | 58.3595% | 3,873 |
| Net loans and leases to core deposits | 60.5179% | 3,915 |
| Total domestic deposits to total assets | 82.5820% | 3,518 |
| Equity capital to assets | 8.8020% | 4,220 |
| Core capital (leverage) ratio | 8.2840% | 4,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8149% | 2,695 |
| Memoranda: |
| Average total assets | $29,057,736,000 | 75 |
| Average earning assets | $27,367,476,000 | 72 |
| Average equity | $2,603,715,200 | 87 |
| Average total loans | $14,955,940,000 | 85 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0329% | 4,712 |
| Cost of funding earning assets | 0.3062% | 4,284 |
| Net interest margin | 2.7266% | 4,433 |
| Noninterest income to average assets | 1.1973% | 744 |
| Noninterest expense to average assets | 2.4695% | 2,935 |
| Loan and lease loss provision to assets | 0.5793% | 451 |
| Net operating income to assets | 0.6246% | 3,707 |
| Return on assets (ROA) | 0.6476% | 3,737 |
| Pretax return on assets | 0.7396% | 3,800 |
| Return on Equity (ROE) | 7.1901% | 3,125 |
| Retained earnings to average equity (ytd only) | 4.8177% | 2,643 |
| Net charge-offs to loans | 0.1666% | 886 |
| Credit loss provision to net charge-offs | 667.5071% | 1,099 |
| Earnings coverage of net charge-offs (x) | 14.8583% | 2,128 |
| Efficiency ratio | 65.1850% | 2,564 |
| Assets per employee ($millions) | 10.7761% | 403 |
| Cash dividends to net income (ytd only)* | 32.9956% | 2,233 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3264% | 2,056 |
| Loan loss allowance to noncurrent loans | 222.6724% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.3344% | 2,809 |
| Noncurrent loans to loans | 0.5957% | 2,310 |
| Net loans and leases to total assets | 52.2682% | 3,949 |
| Net loans and leases to deposits | 63.1537% | 3,850 |
| Net loans and leases to core deposits | 65.1688% | 3,945 |
| Total domestic deposits to total assets | 82.7635% | 3,200 |
| Equity capital to assets | 9.1020% | 4,031 |
| Core capital (leverage) ratio | 8.0900% | 4,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6515% | 2,742 |
| Memoranda: |
| Average total assets | $28,078,174,500 | 75 |
| Average earning assets | $26,414,300,000 | 74 |
| Average equity | $2,529,004,250 | 88 |
| Average total loans | $14,667,782,000 | 85 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1365% | 4,769 |
| Cost of funding earning assets | 0.3847% | 4,109 |
| Net interest margin | 2.7518% | 4,505 |
| Noninterest income to average assets | 1.2302% | 667 |
| Noninterest expense to average assets | 2.5588% | 2,799 |
| Loan and lease loss provision to assets | 0.7739% | 321 |
| Net operating income to assets | 0.4305% | 4,169 |
| Return on assets (ROA) | 0.4641% | 4,165 |
| Pretax return on assets | 0.5222% | 4,215 |
| Return on Equity (ROE) | 5.1730% | 3,779 |
| Retained earnings to average equity (ytd only) | 2.5285% | 3,570 |
| Net charge-offs to loans | 0.1856% | 819 |
| Credit loss provision to net charge-offs | 800.8401% | 917 |
| Earnings coverage of net charge-offs (x) | 13.0440% | 2,017 |
| Efficiency ratio | 66.5637% | 2,437 |
| Assets per employee ($millions) | 10.3429% | 458 |
| Cash dividends to net income (ytd only)* | 51.1223% | 1,518 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3081% | 1,962 |
| Loan loss allowance to noncurrent loans | 230.6727% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.3119% | 3,064 |
| Noncurrent loans to loans | 0.5671% | 2,457 |
| Net loans and leases to total assets | 50.9268% | 4,103 |
| Net loans and leases to deposits | 61.4537% | 4,042 |
| Net loans and leases to core deposits | 63.5759% | 4,101 |
| Total domestic deposits to total assets | 82.8703% | 3,120 |
| Equity capital to assets | 8.6553% | 4,385 |
| Core capital (leverage) ratio | 7.8723% | 4,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1030% | 2,941 |
| Memoranda: |
| Average total assets | $27,394,210,333 | 76 |
| Average earning assets | $25,752,735,000 | 75 |
| Average equity | $2,457,861,000 | 89 |
| Average total loans | $14,237,003,667 | 88 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4228% | 4,717 |
| Cost of funding earning assets | 0.5879% | 3,493 |
| Net interest margin | 2.8349% | 4,528 |
| Noninterest income to average assets | 1.3511% | 491 |
| Noninterest expense to average assets | 2.6279% | 2,897 |
| Loan and lease loss provision to assets | 1.3407% | 127 |
| Net operating income to assets | 0.0803% | 4,678 |
| Return on assets (ROA) | 0.0980% | 4,654 |
| Pretax return on assets | 0.0639% | 4,693 |
| Return on Equity (ROE) | 1.0710% | 4,620 |
| Retained earnings to average equity (ytd only) | -1.0101% | 4,142 |
| Net charge-offs to loans | 0.2240% | 632 |
| Credit loss provision to net charge-offs | 1,145.5292% | 518 |
| Earnings coverage of net charge-offs (x) | 11.8648% | 1,718 |
| Efficiency ratio | 64.9807% | 3,092 |
| Assets per employee ($millions) | 9.0992% | 518 |
| Cash dividends to net income (ytd only)* | 194.3106% | 316 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3461% | 1,930 |
| Loan loss allowance to noncurrent loans | 189.3501% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.3905% | 2,885 |
| Noncurrent loans to loans | 0.7109% | 2,223 |
| Net loans and leases to total assets | 52.6607% | 4,082 |
| Net loans and leases to deposits | 64.6846% | 3,939 |
| Net loans and leases to core deposits | 67.7380% | 4,003 |
| Total domestic deposits to total assets | 81.4114% | 3,571 |
| Equity capital to assets | 9.4317% | 4,286 |
| Core capital (leverage) ratio | 8.3579% | 4,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1012% | 3,069 |
| Memoranda: |
| Average total assets | $26,254,366,000 | 78 |
| Average earning assets | $24,668,147,500 | 75 |
| Average equity | $2,402,605,500 | 91 |
| Average total loans | $13,699,369,500 | 87 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8248% | 4,531 |
| Cost of funding earning assets | 0.8293% | 2,530 |
| Net interest margin | 2.9955% | 4,516 |
| Noninterest income to average assets | 1.3240% | 543 |
| Noninterest expense to average assets | 2.7943% | 2,621 |
| Loan and lease loss provision to assets | 0.1362% | 1,566 |
| Net operating income to assets | 1.0814% | 2,516 |
| Return on assets (ROA) | 1.0937% | 2,569 |
| Pretax return on assets | 1.2078% | 2,813 |
| Return on Equity (ROE) | 12.2028% | 1,433 |
| Retained earnings to average equity (ytd only) | 10.2362% | 451 |
| Net charge-offs to loans | 0.2705% | 769 |
| Credit loss provision to net charge-offs | 94.6768% | 2,595 |
| Earnings coverage of net charge-offs (x) | 9.2462% | 2,688 |
| Efficiency ratio | 67.3989% | 2,544 |
| Assets per employee ($millions) | 9.0920% | 488 |
| Cash dividends to net income (ytd only)* | 16.1159% | 3,596 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7574% | 4,424 |
| Loan loss allowance to noncurrent loans | 174.2468% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.2328% | 3,512 |
| Noncurrent loans to loans | 0.4347% | 2,888 |
| Net loans and leases to total assets | 50.6028% | 4,300 |
| Net loans and leases to deposits | 61.2896% | 4,229 |
| Net loans and leases to core deposits | 64.6750% | 4,250 |
| Total domestic deposits to total assets | 82.5634% | 3,342 |
| Equity capital to assets | 8.8730% | 4,755 |
| Core capital (leverage) ratio | 8.6176% | 4,771 |
| Tier 1 risk-based capital ratio | 11.3553% | 4,707 |
| Total risk-based capital ratio | 11.9128% | 4,889 |
| Memoranda: |
| Average total assets | $24,112,127,600 | 78 |
| Average earning assets | $22,544,964,600 | 76 |
| Average equity | $2,161,103,400 | 100 |
| Average total loans | $12,825,890,400 | 86 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9203% | 4,509 |
| Cost of funding earning assets | 0.8775% | 2,331 |
| Net interest margin | 3.0427% | 4,570 |
| Noninterest income to average assets | 1.3476% | 516 |
| Noninterest expense to average assets | 2.8233% | 2,505 |
| Loan and lease loss provision to assets | 0.1747% | 1,055 |
| Net operating income to assets | 0.9992% | 2,986 |
| Return on assets (ROA) | 1.0110% | 3,021 |
| Pretax return on assets | 1.2047% | 2,968 |
| Return on Equity (ROE) | 11.2488% | 1,910 |
| Retained earnings to average equity (ytd only) | 9.3591% | 942 |
| Net charge-offs to loans | 0.2849% | 618 |
| Credit loss provision to net charge-offs | 113.9259% | 2,035 |
| Earnings coverage of net charge-offs (x) | 8.9056% | 2,611 |
| Efficiency ratio | 67.0924% | 2,572 |
| Assets per employee ($millions) | 8.3676% | 608 |
| Cash dividends to net income (ytd only)* | 16.7990% | 3,156 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8227% | 4,340 |
| Loan loss allowance to noncurrent loans | 144.5455% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.3223% | 3,258 |
| Noncurrent loans to loans | 0.5692% | 2,591 |
| Net loans and leases to total assets | 54.0270% | 4,183 |
| Net loans and leases to deposits | 66.4422% | 4,033 |
| Net loans and leases to core deposits | 69.6045% | 4,071 |
| Total domestic deposits to total assets | 81.3142% | 3,658 |
| Equity capital to assets | 9.5191% | 4,433 |
| Core capital (leverage) ratio | 8.7735% | 4,795 |
| Tier 1 risk-based capital ratio | 11.4165% | 4,715 |
| Total risk-based capital ratio | 12.0254% | 4,902 |
| Memoranda: |
| Average total assets | $23,550,750,750 | 78 |
| Average earning assets | $21,989,407,000 | 77 |
| Average equity | $2,116,699,500 | 102 |
| Average total loans | $12,672,492,000 | 88 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9010% | 4,553 |
| Cost of funding earning assets | 0.8680% | 2,309 |
| Net interest margin | 3.0330% | 4,634 |
| Noninterest income to average assets | 1.3585% | 476 |
| Noninterest expense to average assets | 2.8240% | 2,505 |
| Loan and lease loss provision to assets | 0.1995% | 861 |
| Net operating income to assets | 0.9768% | 3,002 |
| Return on assets (ROA) | 0.9728% | 3,089 |
| Pretax return on assets | 1.1697% | 3,012 |
| Return on Equity (ROE) | 11.0461% | 1,954 |
| Retained earnings to average equity (ytd only) | 9.1061% | 1,001 |
| Net charge-offs to loans | 0.3969% | 424 |
| Credit loss provision to net charge-offs | 93.8015% | 2,087 |
| Earnings coverage of net charge-offs (x) | 6.4617% | 2,568 |
| Efficiency ratio | 66.9703% | 2,688 |
| Assets per employee ($millions) | 8.4175% | 577 |
| Cash dividends to net income (ytd only)* | 17.5627% | 3,094 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7912% | 4,468 |
| Loan loss allowance to noncurrent loans | 184.8856% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.2457% | 3,590 |
| Noncurrent loans to loans | 0.4280% | 2,996 |
| Net loans and leases to total assets | 53.7939% | 4,225 |
| Net loans and leases to deposits | 65.4733% | 4,131 |
| Net loans and leases to core deposits | 68.8189% | 4,165 |
| Total domestic deposits to total assets | 82.1616% | 3,466 |
| Equity capital to assets | 9.2042% | 4,649 |
| Core capital (leverage) ratio | 8.7975% | 4,783 |
| Tier 1 risk-based capital ratio | 11.5096% | 4,681 |
| Total risk-based capital ratio | 12.1073% | 4,892 |
| Memoranda: |
| Average total assets | $23,412,756,670 | 78 |
| Average earning assets | $21,919,109,670 | 77 |
| Average equity | $2,061,859,670 | 103 |
| Average total loans | $12,545,048,330 | 88 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8926% | 4,560 |
| Cost of funding earning assets | 0.8506% | 2,270 |
| Net interest margin | 3.0420% | 4,696 |
| Noninterest income to average assets | 1.3538% | 467 |
| Noninterest expense to average assets | 2.8030% | 2,559 |
| Loan and lease loss provision to assets | 0.2127% | 732 |
| Net operating income to assets | 0.9778% | 2,931 |
| Return on assets (ROA) | 0.9895% | 2,924 |
| Pretax return on assets | 1.1954% | 2,825 |
| Return on Equity (ROE) | 11.5018% | 1,736 |
| Retained earnings to average equity (ytd only) | 9.4995% | 1,160 |
| Net charge-offs to loans | 0.3986% | 392 |
| Credit loss provision to net charge-offs | 100.2110% | 1,572 |
| Earnings coverage of net charge-offs (x) | 6.5669% | 2,185 |
| Efficiency ratio | 66.4735% | 2,870 |
| Assets per employee ($millions) | 8.1827% | 629 |
| Cash dividends to net income (ytd only)* | 17.4089% | 2,524 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8259% | 4,437 |
| Loan loss allowance to noncurrent loans | 159.1259% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.2936% | 3,433 |
| Noncurrent loans to loans | 0.5190% | 2,757 |
| Net loans and leases to total assets | 53.4118% | 4,240 |
| Net loans and leases to deposits | 63.8142% | 4,191 |
| Net loans and leases to core deposits | 66.6765% | 4,250 |
| Total domestic deposits to total assets | 83.6989% | 3,145 |
| Equity capital to assets | 8.8449% | 4,789 |
| Core capital (leverage) ratio | 8.6947% | 4,873 |
| Tier 1 risk-based capital ratio | 11.5428% | 4,723 |
| Total risk-based capital ratio | 12.1661% | 4,916 |
| Memoranda: |
| Average total assets | $23,221,029,500 | 79 |
| Average earning assets | $21,704,191,000 | 78 |
| Average equity | $1,997,666,500 | 106 |
| Average total loans | $12,366,074,000 | 89 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6507% | 4,737 |
| Cost of funding earning assets | 0.5824% | 2,837 |
| Net interest margin | 3.0683% | 4,697 |
| Noninterest income to average assets | 1.4062% | 460 |
| Noninterest expense to average assets | 2.9174% | 2,290 |
| Loan and lease loss provision to assets | 0.3305% | 478 |
| Net operating income to assets | 0.8994% | 3,438 |
| Return on assets (ROA) | 0.9016% | 3,426 |
| Pretax return on assets | 1.0345% | 3,496 |
| Return on Equity (ROE) | 10.4450% | 2,323 |
| Retained earnings to average equity (ytd only) | 8.4834% | 1,052 |
| Net charge-offs to loans | 0.5785% | 297 |
| Credit loss provision to net charge-offs | 104.4758% | 2,437 |
| Earnings coverage of net charge-offs (x) | 4.3071% | 3,308 |
| Efficiency ratio | 67.8025% | 2,578 |
| Assets per employee ($millions) | 8.2194% | 613 |
| Cash dividends to net income (ytd only)* | 18.7803% | 3,515 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8508% | 4,353 |
| Loan loss allowance to noncurrent loans | 211.3835% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.2263% | 3,697 |
| Noncurrent loans to loans | 0.4025% | 3,085 |
| Net loans and leases to total assets | 52.1987% | 4,397 |
| Net loans and leases to deposits | 61.9645% | 4,378 |
| Net loans and leases to core deposits | 65.7259% | 4,373 |
| Total domestic deposits to total assets | 84.2397% | 2,924 |
| Equity capital to assets | 8.3590% | 5,010 |
| Core capital (leverage) ratio | 8.8460% | 4,775 |
| Tier 1 risk-based capital ratio | 11.6431% | 4,647 |
| Total risk-based capital ratio | 12.2874% | 4,854 |
| Memoranda: |
| Average total assets | $21,408,006,800 | 82 |
| Average earning assets | $20,050,351,800 | 80 |
| Average equity | $1,847,973,600 | 104 |
| Average total loans | $11,705,659,000 | 90 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5839% | 4,829 |
| Cost of funding earning assets | 0.5222% | 3,041 |
| Net interest margin | 3.0617% | 4,766 |
| Noninterest income to average assets | 1.4294% | 461 |
| Noninterest expense to average assets | 2.9373% | 2,202 |
| Loan and lease loss provision to assets | 0.1446% | 1,373 |
| Net operating income to assets | 1.0417% | 2,908 |
| Return on assets (ROA) | 1.0447% | 2,906 |
| Pretax return on assets | 1.2248% | 2,897 |
| Return on Equity (ROE) | 11.9977% | 1,792 |
| Retained earnings to average equity (ytd only) | 10.0815% | 896 |
| Net charge-offs to loans | 0.2538% | 667 |
| Credit loss provision to net charge-offs | 103.1652% | 2,211 |
| Earnings coverage of net charge-offs (x) | 9.7437% | 2,626 |
| Efficiency ratio | 67.8804% | 2,558 |
| Assets per employee ($millions) | 7.6414% | 730 |
| Cash dividends to net income (ytd only)* | 15.9717% | 3,173 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8465% | 4,476 |
| Loan loss allowance to noncurrent loans | 192.9746% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.2697% | 3,603 |
| Noncurrent loans to loans | 0.4387% | 3,081 |
| Net loans and leases to total assets | 55.8760% | 4,230 |
| Net loans and leases to deposits | 65.9861% | 4,201 |
| Net loans and leases to core deposits | 69.7511% | 4,207 |
| Total domestic deposits to total assets | 84.6785% | 2,727 |
| Equity capital to assets | 8.7296% | 4,775 |
| Core capital (leverage) ratio | 9.2412% | 4,471 |
| Tier 1 risk-based capital ratio | 11.8626% | 4,575 |
| Total risk-based capital ratio | 12.5109% | 4,815 |
| Memoranda: |
| Average total assets | $20,975,571,000 | 83 |
| Average earning assets | $19,687,617,500 | 81 |
| Average equity | $1,826,446,500 | 104 |
| Average total loans | $11,586,762,750 | 90 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5090% | 4,910 |
| Cost of funding earning assets | 0.4459% | 3,381 |
| Net interest margin | 3.0631% | 4,791 |
| Noninterest income to average assets | 1.4389% | 461 |
| Noninterest expense to average assets | 2.9236% | 2,279 |
| Loan and lease loss provision to assets | 0.1628% | 1,142 |
| Net operating income to assets | 1.0377% | 2,863 |
| Return on assets (ROA) | 1.0406% | 2,852 |
| Pretax return on assets | 1.2316% | 2,810 |
| Return on Equity (ROE) | 11.9612% | 1,740 |
| Retained earnings to average equity (ytd only) | 10.0353% | 919 |
| Net charge-offs to loans | 0.3369% | 478 |
| Credit loss provision to net charge-offs | 88.0555% | 2,182 |
| Earnings coverage of net charge-offs (x) | 7.5244% | 2,538 |
| Efficiency ratio | 67.3706% | 2,748 |
| Assets per employee ($millions) | 7.3418% | 812 |
| Cash dividends to net income (ytd only)* | 16.1011% | 3,121 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8448% | 4,567 |
| Loan loss allowance to noncurrent loans | 166.8528% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.3143% | 3,509 |
| Noncurrent loans to loans | 0.5063% | 2,901 |
| Net loans and leases to total assets | 56.7902% | 4,098 |
| Net loans and leases to deposits | 69.3034% | 3,916 |
| Net loans and leases to core deposits | 73.4958% | 3,910 |
| Total domestic deposits to total assets | 81.9442% | 3,740 |
| Equity capital to assets | 9.0300% | 4,533 |
| Core capital (leverage) ratio | 9.0741% | 4,614 |
| Tier 1 risk-based capital ratio | 11.8120% | 4,616 |
| Total risk-based capital ratio | 12.4554% | 4,846 |
| Memoranda: |
| Average total assets | $20,888,924,330 | 82 |
| Average earning assets | $19,609,753,330 | 80 |
| Average equity | $1,817,339,670 | 105 |
| Average total loans | $11,460,063,670 | 90 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3674% | 5,059 |
| Cost of funding earning assets | 0.3744% | 3,783 |
| Net interest margin | 2.9931% | 4,894 |
| Noninterest income to average assets | 1.4306% | 462 |
| Noninterest expense to average assets | 2.8306% | 2,604 |
| Loan and lease loss provision to assets | 0.1889% | 895 |
| Net operating income to assets | 1.0353% | 2,712 |
| Return on assets (ROA) | 1.0375% | 2,715 |
| Pretax return on assets | 1.2305% | 2,636 |
| Return on Equity (ROE) | 12.1464% | 1,528 |
| Retained earnings to average equity (ytd only) | 10.2114% | 1,100 |
| Net charge-offs to loans | 0.3623% | 431 |
| Credit loss provision to net charge-offs | 97.0685% | 1,619 |
| Earnings coverage of net charge-offs (x) | 7.2806% | 2,102 |
| Efficiency ratio | 66.2405% | 3,119 |
| Assets per employee ($millions) | 7.4053% | 803 |
| Cash dividends to net income (ytd only)* | 15.9305% | 2,476 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8750% | 4,552 |
| Loan loss allowance to noncurrent loans | 136.9236% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.3598% | 3,401 |
| Noncurrent loans to loans | 0.6390% | 2,627 |
| Net loans and leases to total assets | 54.6450% | 4,232 |
| Net loans and leases to deposits | 64.9612% | 4,156 |
| Net loans and leases to core deposits | 69.0323% | 4,146 |
| Total domestic deposits to total assets | 84.1195% | 3,277 |
| Equity capital to assets | 8.6642% | 4,848 |
| Core capital (leverage) ratio | 8.8036% | 4,888 |
| Tier 1 risk-based capital ratio | 11.5881% | 4,816 |
| Total risk-based capital ratio | 12.2483% | 5,034 |
| Memoranda: |
| Average total assets | $21,176,060,500 | 83 |
| Average earning assets | $19,929,178,000 | 79 |
| Average equity | $1,808,803,500 | 104 |
| Average total loans | $11,372,584,500 | 91 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2250% | 5,160 |
| Cost of funding earning assets | 0.2836% | 4,287 |
| Net interest margin | 2.9413% | 4,985 |
| Noninterest income to average assets | 1.4857% | 480 |
| Noninterest expense to average assets | 2.9283% | 2,361 |
| Loan and lease loss provision to assets | 0.2003% | 1,034 |
| Net operating income to assets | 0.8438% | 2,976 |
| Return on assets (ROA) | 0.8593% | 2,936 |
| Pretax return on assets | 1.1291% | 3,067 |
| Return on Equity (ROE) | 10.0505% | 1,861 |
| Retained earnings to average equity (ytd only) | 8.0504% | 746 |
| Net charge-offs to loans | 0.2943% | 889 |
| Credit loss provision to net charge-offs | 127.9451% | 2,057 |
| Earnings coverage of net charge-offs (x) | 8.3601% | 2,922 |
| Efficiency ratio | 68.6809% | 2,760 |
| Assets per employee ($millions) | 7.7213% | 698 |
| Cash dividends to net income (ytd only)* | 19.9007% | 3,677 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8917% | 4,514 |
| Loan loss allowance to noncurrent loans | 161.6570% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.2956% | 3,699 |
| Noncurrent loans to loans | 0.5516% | 2,844 |
| Net loans and leases to total assets | 51.8662% | 4,523 |
| Net loans and leases to deposits | 61.0572% | 4,502 |
| Net loans and leases to core deposits | 65.8633% | 4,424 |
| Total domestic deposits to total assets | 84.9469% | 2,856 |
| Equity capital to assets | 8.4236% | 5,171 |
| Core capital (leverage) ratio | 8.5709% | 5,071 |
| Tier 1 risk-based capital ratio | 11.1870% | 5,044 |
| Total risk-based capital ratio | 11.8470% | 5,239 |
| Memoranda: |
| Average total assets | $20,466,540,400 | 79 |
| Average earning assets | $19,146,175,000 | 79 |
| Average equity | $1,749,890,800 | 101 |
| Average total loans | $10,887,958,800 | 91 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2106% | 5,214 |
| Cost of funding earning assets | 0.2720% | 4,385 |
| Net interest margin | 2.9386% | 5,037 |
| Noninterest income to average assets | 1.4965% | 484 |
| Noninterest expense to average assets | 2.9290% | 2,305 |
| Loan and lease loss provision to assets | 0.2311% | 787 |
| Net operating income to assets | 0.8379% | 3,336 |
| Return on assets (ROA) | 0.8590% | 3,280 |
| Pretax return on assets | 1.1087% | 3,270 |
| Return on Equity (ROE) | 10.0068% | 2,131 |
| Retained earnings to average equity (ytd only) | 7.9877% | 1,229 |
| Net charge-offs to loans | 0.3492% | 605 |
| Credit loss provision to net charge-offs | 123.8500% | 1,961 |
| Earnings coverage of net charge-offs (x) | 7.0341% | 2,918 |
| Efficiency ratio | 68.6202% | 2,763 |
| Assets per employee ($millions) | 7.2423% | 851 |
| Cash dividends to net income (ytd only)* | 20.1776% | 3,129 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8943% | 4,593 |
| Loan loss allowance to noncurrent loans | 174.6995% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.2851% | 3,926 |
| Noncurrent loans to loans | 0.5119% | 3,169 |
| Net loans and leases to total assets | 54.5064% | 4,373 |
| Net loans and leases to deposits | 67.6423% | 4,134 |
| Net loans and leases to core deposits | 73.1883% | 4,044 |
| Total domestic deposits to total assets | 80.5804% | 4,179 |
| Equity capital to assets | 9.0071% | 4,906 |
| Core capital (leverage) ratio | 8.6022% | 5,161 |
| Tier 1 risk-based capital ratio | 11.1237% | 5,175 |
| Total risk-based capital ratio | 11.7787% | 5,371 |
| Memoranda: |
| Average total assets | $20,193,691,000 | 79 |
| Average earning assets | $18,863,364,250 | 79 |
| Average equity | $1,733,375,250 | 102 |
| Average total loans | $10,789,478,500 | 89 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1228% | 5,328 |
| Cost of funding earning assets | 0.2360% | 4,674 |
| Net interest margin | 2.8868% | 5,122 |
| Noninterest income to average assets | 1.5062% | 477 |
| Noninterest expense to average assets | 2.9287% | 2,332 |
| Loan and lease loss provision to assets | 0.2320% | 741 |
| Net operating income to assets | 0.8048% | 3,376 |
| Return on assets (ROA) | 0.8180% | 3,361 |
| Pretax return on assets | 1.0665% | 3,310 |
| Return on Equity (ROE) | 9.6874% | 2,175 |
| Retained earnings to average equity (ytd only) | 7.6413% | 1,299 |
| Net charge-offs to loans | 0.3238% | 630 |
| Credit loss provision to net charge-offs | 135.4311% | 1,632 |
| Earnings coverage of net charge-offs (x) | 7.4788% | 2,599 |
| Efficiency ratio | 69.1275% | 2,823 |
| Assets per employee ($millions) | 7.2053% | 844 |
| Cash dividends to net income (ytd only)* | 21.1210% | 3,073 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9012% | 4,636 |
| Loan loss allowance to noncurrent loans | 180.9481% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.2713% | 4,035 |
| Noncurrent loans to loans | 0.4980% | 3,259 |
| Net loans and leases to total assets | 53.5532% | 4,433 |
| Net loans and leases to deposits | 66.2160% | 4,207 |
| Net loans and leases to core deposits | 71.7365% | 4,111 |
| Total domestic deposits to total assets | 80.8765% | 4,210 |
| Equity capital to assets | 8.7752% | 5,084 |
| Core capital (leverage) ratio | 8.4050% | 5,280 |
| Tier 1 risk-based capital ratio | 11.0841% | 5,204 |
| Total risk-based capital ratio | 11.7481% | 5,388 |
| Memoranda: |
| Average total assets | $20,257,165,670 | 79 |
| Average earning assets | $18,973,150,000 | 77 |
| Average equity | $1,710,592,670 | 101 |
| Average total loans | $10,718,819,000 | 88 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0432% | 5,418 |
| Cost of funding earning assets | 0.1993% | 4,982 |
| Net interest margin | 2.8439% | 5,178 |
| Noninterest income to average assets | 1.4282% | 524 |
| Noninterest expense to average assets | 2.8807% | 2,515 |
| Loan and lease loss provision to assets | 0.1769% | 994 |
| Net operating income to assets | 0.7887% | 3,273 |
| Return on assets (ROA) | 0.7957% | 3,294 |
| Pretax return on assets | 1.0432% | 3,189 |
| Return on Equity (ROE) | 9.6087% | 2,137 |
| Retained earnings to average equity (ytd only) | 7.5313% | 1,639 |
| Net charge-offs to loans | 0.2751% | 659 |
| Credit loss provision to net charge-offs | 122.8501% | 1,369 |
| Earnings coverage of net charge-offs (x) | 8.4072% | 2,066 |
| Efficiency ratio | 69.9447% | 2,904 |
| Assets per employee ($millions) | 7.2389% | 844 |
| Cash dividends to net income (ytd only)* | 21.6199% | 2,499 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8674% | 4,873 |
| Loan loss allowance to noncurrent loans | 155.5720% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.2967% | 4,009 |
| Noncurrent loans to loans | 0.5575% | 3,132 |
| Net loans and leases to total assets | 52.5646% | 4,467 |
| Net loans and leases to deposits | 66.6482% | 4,120 |
| Net loans and leases to core deposits | 69.4964% | 4,184 |
| Total domestic deposits to total assets | 78.8687% | 4,847 |
| Equity capital to assets | 8.4141% | 5,297 |
| Core capital (leverage) ratio | 8.2587% | 5,405 |
| Tier 1 risk-based capital ratio | 10.8266% | 5,397 |
| Total risk-based capital ratio | 11.4574% | 5,598 |
| Memoranda: |
| Average total assets | $20,345,156,000 | 78 |
| Average earning assets | $19,053,918,000 | 77 |
| Average equity | $1,684,803,000 | 102 |
| Average total loans | $10,652,267,000 | 89 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8806% | 5,592 |
| Cost of funding earning assets | 0.1343% | 5,524 |
| Net interest margin | 2.7463% | 5,362 |
| Noninterest income to average assets | 1.4654% | 544 |
| Noninterest expense to average assets | 2.9129% | 2,629 |
| Loan and lease loss provision to assets | 0.1672% | 1,468 |
| Net operating income to assets | 0.7358% | 3,615 |
| Return on assets (ROA) | 0.7695% | 3,553 |
| Pretax return on assets | 1.0011% | 3,473 |
| Return on Equity (ROE) | 8.9220% | 2,458 |
| Retained earnings to average equity (ytd only) | 7.1322% | 1,174 |
| Net charge-offs to loans | 0.2196% | 1,257 |
| Credit loss provision to net charge-offs | 147.7676% | 1,856 |
| Earnings coverage of net charge-offs (x) | 9.9366% | 2,705 |
| Efficiency ratio | 71.6180% | 2,646 |
| Assets per employee ($millions) | 7.2236% | 829 |
| Cash dividends to net income (ytd only)* | 20.0600% | 3,721 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8691% | 4,903 |
| Loan loss allowance to noncurrent loans | 124.4825% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.3619% | 3,835 |
| Noncurrent loans to loans | 0.6982% | 2,800 |
| Net loans and leases to total assets | 51.2453% | 4,671 |
| Net loans and leases to deposits | 62.6271% | 4,497 |
| Net loans and leases to core deposits | 64.8548% | 4,586 |
| Total domestic deposits to total assets | 81.8260% | 4,122 |
| Equity capital to assets | 8.1488% | 5,493 |
| Core capital (leverage) ratio | 8.2440% | 5,479 |
| Tier 1 risk-based capital ratio | 10.6972% | 5,488 |
| Total risk-based capital ratio | 11.3222% | 5,672 |
| Memoranda: |
| Average total assets | $19,434,754,200 | 78 |
| Average earning assets | $18,201,476,800 | 75 |
| Average equity | $1,676,204,000 | 97 |
| Average total loans | $10,015,914,800 | 91 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8557% | 5,691 |
| Cost of funding earning assets | 0.1316% | 5,603 |
| Net interest margin | 2.7241% | 5,462 |
| Noninterest income to average assets | 1.4814% | 546 |
| Noninterest expense to average assets | 2.9398% | 2,500 |
| Loan and lease loss provision to assets | 0.1737% | 1,297 |
| Net operating income to assets | 0.7030% | 3,828 |
| Return on assets (ROA) | 0.7479% | 3,745 |
| Pretax return on assets | 0.9793% | 3,708 |
| Return on Equity (ROE) | 8.5467% | 2,738 |
| Retained earnings to average equity (ytd only) | 7.1576% | 1,548 |
| Net charge-offs to loans | 0.2123% | 1,097 |
| Credit loss provision to net charge-offs | 158.8411% | 1,709 |
| Earnings coverage of net charge-offs (x) | 10.0051% | 2,623 |
| Efficiency ratio | 72.3305% | 2,529 |
| Assets per employee ($millions) | 6.8421% | 945 |
| Cash dividends to net income (ytd only)* | 16.2534% | 3,371 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8773% | 4,946 |
| Loan loss allowance to noncurrent loans | 109.8496% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 3,728 |
| Noncurrent loans to loans | 0.7986% | 2,671 |
| Net loans and leases to total assets | 52.5127% | 4,613 |
| Net loans and leases to deposits | 65.9955% | 4,346 |
| Net loans and leases to core deposits | 68.0728% | 4,466 |
| Total domestic deposits to total assets | 79.5701% | 4,597 |
| Equity capital to assets | 8.9320% | 5,225 |
| Core capital (leverage) ratio | 8.2130% | 5,561 |
| Tier 1 risk-based capital ratio | 10.7260% | 5,510 |
| Total risk-based capital ratio | 11.3551% | 5,703 |
| Memoranda: |
| Average total assets | $19,193,547,000 | 80 |
| Average earning assets | $17,982,211,500 | 77 |
| Average equity | $1,679,673,500 | 97 |
| Average total loans | $9,883,526,750 | 91 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8260% | 5,787 |
| Cost of funding earning assets | 0.1262% | 5,723 |
| Net interest margin | 2.6998% | 5,568 |
| Noninterest income to average assets | 1.4856% | 536 |
| Noninterest expense to average assets | 2.9608% | 2,484 |
| Loan and lease loss provision to assets | 0.1256% | 1,814 |
| Net operating income to assets | 0.6951% | 3,812 |
| Return on assets (ROA) | 0.7385% | 3,775 |
| Pretax return on assets | 0.9852% | 3,638 |
| Return on Equity (ROE) | 8.4986% | 2,748 |
| Retained earnings to average equity (ytd only) | 7.2941% | 1,475 |
| Net charge-offs to loans | 0.1740% | 1,299 |
| Credit loss provision to net charge-offs | 141.5595% | 1,666 |
| Earnings coverage of net charge-offs (x) | 11.8660% | 2,225 |
| Efficiency ratio | 73.1916% | 2,481 |
| Assets per employee ($millions) | 6.7060% | 1,000 |
| Cash dividends to net income (ytd only)* | 14.1731% | 3,371 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8388% | 5,167 |
| Loan loss allowance to noncurrent loans | 134.1626% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.3273% | 4,188 |
| Noncurrent loans to loans | 0.6252% | 3,199 |
| Net loans and leases to total assets | 51.4134% | 4,726 |
| Net loans and leases to deposits | 63.5652% | 4,523 |
| Net loans and leases to core deposits | 65.6894% | 4,631 |
| Total domestic deposits to total assets | 80.8829% | 4,310 |
| Equity capital to assets | 8.8363% | 5,376 |
| Core capital (leverage) ratio | 8.1492% | 5,632 |
| Tier 1 risk-based capital ratio | 10.6478% | 5,606 |
| Total risk-based capital ratio | 11.2510% | 5,802 |
| Memoranda: |
| Average total assets | $19,107,391,000 | 81 |
| Average earning assets | $17,891,850,330 | 77 |
| Average equity | $1,660,416,000 | 98 |
| Average total loans | $9,742,975,670 | 92 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8131% | 5,848 |
| Cost of funding earning assets | 0.1220% | 5,802 |
| Net interest margin | 2.6911% | 5,629 |
| Noninterest income to average assets | 1.4549% | 536 |
| Noninterest expense to average assets | 2.9608% | 2,510 |
| Loan and lease loss provision to assets | 0.1057% | 1,937 |
| Net operating income to assets | 0.6864% | 3,782 |
| Return on assets (ROA) | 0.7335% | 3,672 |
| Pretax return on assets | 0.9677% | 3,586 |
| Return on Equity (ROE) | 8.5146% | 2,658 |
| Retained earnings to average equity (ytd only) | 7.2880% | 1,755 |
| Net charge-offs to loans | 0.2402% | 852 |
| Credit loss provision to net charge-offs | 87.0322% | 1,785 |
| Earnings coverage of net charge-offs (x) | 8.3304% | 2,062 |
| Efficiency ratio | 73.9383% | 2,484 |
| Assets per employee ($millions) | 6.5064% | 1,109 |
| Cash dividends to net income (ytd only)* | 14.4059% | 2,648 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8285% | 5,285 |
| Loan loss allowance to noncurrent loans | 135.5601% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.3289% | 4,247 |
| Noncurrent loans to loans | 0.6112% | 3,343 |
| Net loans and leases to total assets | 50.5689% | 4,753 |
| Net loans and leases to deposits | 62.0285% | 4,572 |
| Net loans and leases to core deposits | 63.4530% | 4,730 |
| Total domestic deposits to total assets | 81.5252% | 4,351 |
| Equity capital to assets | 8.7475% | 5,383 |
| Core capital (leverage) ratio | 8.0202% | 5,762 |
| Tier 1 risk-based capital ratio | 10.7924% | 5,612 |
| Total risk-based capital ratio | 11.3862% | 5,811 |
| Memoranda: |
| Average total assets | $18,927,344,000 | 81 |
| Average earning assets | $17,704,508,500 | 79 |
| Average equity | $1,630,517,000 | 95 |
| Average total loans | $9,567,685,000 | 94 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5928% | 5,965 |
| Cost of funding earning assets | 0.0974% | 5,974 |
| Net interest margin | 2.4954% | 5,831 |
| Noninterest income to average assets | 1.5060% | 550 |
| Noninterest expense to average assets | 3.0716% | 2,318 |
| Loan and lease loss provision to assets | 0.0872% | 2,550 |
| Net operating income to assets | 0.5234% | 4,606 |
| Return on assets (ROA) | 0.5678% | 4,519 |
| Pretax return on assets | 0.7444% | 4,387 |
| Return on Equity (ROE) | 6.8160% | 3,610 |
| Retained earnings to average equity (ytd only) | 6.8160% | 1,366 |
| Net charge-offs to loans | 0.1239% | 2,131 |
| Credit loss provision to net charge-offs | 147.6612% | 1,799 |
| Earnings coverage of net charge-offs (x) | 13.0939% | 2,400 |
| Efficiency ratio | 79.3532% | 1,770 |
| Assets per employee ($millions) | 6.4157% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8604% | 5,235 |
| Loan loss allowance to noncurrent loans | 116.5245% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.3875% | 4,044 |
| Noncurrent loans to loans | 0.7384% | 2,960 |
| Net loans and leases to total assets | 49.6718% | 4,901 |
| Net loans and leases to deposits | 61.3289% | 4,680 |
| Net loans and leases to core deposits | 63.5136% | 4,769 |
| Total domestic deposits to total assets | 80.9925% | 4,486 |
| Equity capital to assets | 8.4803% | 5,577 |
| Core capital (leverage) ratio | 8.1273% | 5,761 |
| Tier 1 risk-based capital ratio | 10.6262% | 5,715 |
| Total risk-based capital ratio | 11.2235% | 5,907 |
| Memoranda: |
| Average total assets | $17,779,259,200 | 79 |
| Average earning assets | $16,662,734,200 | 77 |
| Average equity | $1,481,150,600 | 101 |
| Average total loans | $8,471,755,600 | 99 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5290% | 6,078 |
| Cost of funding earning assets | 0.0979% | 6,066 |
| Net interest margin | 2.4311% | 5,956 |
| Noninterest income to average assets | 1.5301% | 531 |
| Noninterest expense to average assets | 3.0787% | 2,276 |
| Loan and lease loss provision to assets | 0.0799% | 2,571 |
| Net operating income to assets | 0.5028% | 4,777 |
| Return on assets (ROA) | 0.5520% | 4,680 |
| Pretax return on assets | 0.7180% | 4,621 |
| Return on Equity (ROE) | 6.6584% | 3,803 |
| Retained earnings to average equity (ytd only) | 6.6584% | 1,857 |
| Net charge-offs to loans | 0.1395% | 1,732 |
| Credit loss provision to net charge-offs | 121.9512% | 1,956 |
| Earnings coverage of net charge-offs (x) | 11.1999% | 2,517 |
| Efficiency ratio | 80.2401% | 1,627 |
| Assets per employee ($millions) | 6.1407% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8626% | 5,317 |
| Loan loss allowance to noncurrent loans | 137.6773% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.3237% | 4,474 |
| Noncurrent loans to loans | 0.6266% | 3,444 |
| Net loans and leases to total assets | 48.9887% | 5,018 |
| Net loans and leases to deposits | 58.9691% | 4,922 |
| Net loans and leases to core deposits | 60.8854% | 5,009 |
| Total domestic deposits to total assets | 83.0751% | 3,792 |
| Equity capital to assets | 8.7306% | 5,559 |
| Core capital (leverage) ratio | 8.2608% | 5,739 |
| Tier 1 risk-based capital ratio | 11.1598% | 5,567 |
| Total risk-based capital ratio | 11.7758% | 5,801 |
| Memoranda: |
| Average total assets | $17,518,194,000 | 80 |
| Average earning assets | $16,447,449,000 | 77 |
| Average equity | $1,452,365,250 | 105 |
| Average total loans | $8,231,913,750 | 103 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4251% | 6,189 |
| Cost of funding earning assets | 0.0952% | 6,148 |
| Net interest margin | 2.3299% | 6,083 |
| Noninterest income to average assets | 1.5475% | 535 |
| Noninterest expense to average assets | 3.0043% | 2,540 |
| Loan and lease loss provision to assets | 0.0927% | 2,270 |
| Net operating income to assets | 0.4925% | 4,807 |
| Return on assets (ROA) | 0.5666% | 4,593 |
| Pretax return on assets | 0.7348% | 4,546 |
| Return on Equity (ROE) | 6.9644% | 3,633 |
| Retained earnings to average equity (ytd only) | 6.9644% | 1,719 |
| Net charge-offs to loans | 0.1613% | 1,509 |
| Credit loss provision to net charge-offs | 124.6300% | 1,755 |
| Earnings coverage of net charge-offs (x) | 9.8288% | 2,418 |
| Efficiency ratio | 80.0272% | 1,759 |
| Assets per employee ($millions) | 5.9080% | 1,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8718% | 5,401 |
| Loan loss allowance to noncurrent loans | 171.5923% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.2642% | 4,808 |
| Noncurrent loans to loans | 0.5081% | 3,937 |
| Net loans and leases to total assets | 48.8019% | 5,029 |
| Net loans and leases to deposits | 60.3654% | 4,821 |
| Net loans and leases to core deposits | 62.3227% | 4,924 |
| Total domestic deposits to total assets | 80.8441% | 4,657 |
| Equity capital to assets | 8.5360% | 5,656 |
| Core capital (leverage) ratio | 8.4582% | 5,571 |
| Tier 1 risk-based capital ratio | 11.3203% | 5,565 |
| Total risk-based capital ratio | 11.9505% | 5,782 |
| Memoranda: |
| Average total assets | $17,255,821,000 | 82 |
| Average earning assets | $16,205,747,670 | 80 |
| Average equity | $1,403,766,330 | 109 |
| Average total loans | $7,960,696,330 | 105 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.3872% | 6,263 |
| Cost of funding earning assets | 0.0910% | 6,236 |
| Net interest margin | 2.2962% | 6,163 |
| Noninterest income to average assets | 1.5789% | 490 |
| Noninterest expense to average assets | 3.0323% | 2,479 |
| Loan and lease loss provision to assets | 0.0713% | 2,516 |
| Net operating income to assets | 0.4588% | 4,835 |
| Return on assets (ROA) | 0.5860% | 4,439 |
| Pretax return on assets | 0.8059% | 4,215 |
| Return on Equity (ROE) | 7.4000% | 3,274 |
| Retained earnings to average equity (ytd only) | 7.4000% | 1,810 |
| Net charge-offs to loans | 0.0888% | 1,827 |
| Credit loss provision to net charge-offs | 180.6141% | 1,126 |
| Earnings coverage of net charge-offs (x) | 17.8037% | 1,508 |
| Efficiency ratio | 80.7038% | 1,803 |
| Assets per employee ($millions) | 5.8096% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0329% | 4,853 |
| Loan loss allowance to noncurrent loans | 225.5115% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.2119% | 5,101 |
| Noncurrent loans to loans | 0.4580% | 4,210 |
| Net loans and leases to total assets | 45.1373% | 5,262 |
| Net loans and leases to deposits | 56.0625% | 5,046 |
| Net loans and leases to core deposits | 57.2051% | 5,175 |
| Total domestic deposits to total assets | 80.5125% | 4,929 |
| Equity capital to assets | 8.2267% | 5,920 |
| Core capital (leverage) ratio | 7.5341% | 6,128 |
| Tier 1 risk-based capital ratio | 11.2263% | 5,699 |
| Total risk-based capital ratio | 11.9471% | 5,866 |
| Memoranda: |
| Average total assets | $16,829,771,500 | 83 |
| Average earning assets | $15,804,052,000 | 83 |
| Average equity | $1,332,805,500 | 110 |
| Average total loans | $7,483,681,500 | 107 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4199% | 6,347 |
| Cost of funding earning assets | 0.0914% | 6,350 |
| Net interest margin | 2.3285% | 6,257 |
| Noninterest income to average assets | 1.6427% | 471 |
| Noninterest expense to average assets | 2.9793% | 2,905 |
| Loan and lease loss provision to assets | 0.1052% | 2,397 |
| Net operating income to assets | 0.5672% | 4,522 |
| Return on assets (ROA) | 0.5868% | 4,515 |
| Pretax return on assets | 0.7624% | 4,391 |
| Return on Equity (ROE) | 7.6517% | 3,298 |
| Retained earnings to average equity (ytd only) | 7.6517% | 1,139 |
| Net charge-offs to loans | 0.2245% | 1,870 |
| Credit loss provision to net charge-offs | 108.8976% | 2,192 |
| Earnings coverage of net charge-offs (x) | 8.7165% | 2,838 |
| Efficiency ratio | 77.3606% | 2,302 |
| Assets per employee ($millions) | 6.1059% | 1,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0198% | 4,947 |
| Loan loss allowance to noncurrent loans | 243.9446% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 5,297 |
| Noncurrent loans to loans | 0.4180% | 4,390 |
| Net loans and leases to total assets | 42.9339% | 5,545 |
| Net loans and leases to deposits | 53.7047% | 5,352 |
| Net loans and leases to core deposits | 56.2396% | 5,368 |
| Total domestic deposits to total assets | 79.9444% | 5,036 |
| Equity capital to assets | 7.6257% | 6,199 |
| Core capital (leverage) ratio | 7.6261% | 6,159 |
| Tier 1 risk-based capital ratio | 11.6783% | 5,561 |
| Total risk-based capital ratio | 12.4340% | 5,762 |
| Memoranda: |
| Average total assets | $16,160,389,000 | 85 |
| Average earning assets | $15,120,754,000 | 80 |
| Average equity | $1,239,357,000 | 111 |
| Average total loans | $6,955,167,800 | 109 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4372% | 6,425 |
| Cost of funding earning assets | 0.0944% | 6,429 |
| Net interest margin | 2.3428% | 6,320 |
| Noninterest income to average assets | 1.6666% | 470 |
| Noninterest expense to average assets | 2.9754% | 2,881 |
| Loan and lease loss provision to assets | 0.1174% | 2,104 |
| Net operating income to assets | 0.5819% | 4,527 |
| Return on assets (ROA) | 0.6082% | 4,497 |
| Pretax return on assets | 0.7948% | 4,384 |
| Return on Equity (ROE) | 7.9183% | 3,254 |
| Retained earnings to average equity (ytd only) | 7.9183% | 1,404 |
| Net charge-offs to loans | 0.2233% | 1,703 |
| Credit loss provision to net charge-offs | 122.4311% | 1,886 |
| Earnings coverage of net charge-offs (x) | 9.1557% | 2,705 |
| Efficiency ratio | 76.6002% | 2,401 |
| Assets per employee ($millions) | 5.7558% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0883% | 4,807 |
| Loan loss allowance to noncurrent loans | 207.0595% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.2420% | 5,255 |
| Noncurrent loans to loans | 0.5256% | 4,358 |
| Net loans and leases to total assets | 43.9332% | 5,524 |
| Net loans and leases to deposits | 54.4323% | 5,347 |
| Net loans and leases to core deposits | 55.7147% | 5,467 |
| Total domestic deposits to total assets | 80.7117% | 4,915 |
| Equity capital to assets | 7.9153% | 6,175 |
| Core capital (leverage) ratio | 7.6645% | 6,226 |
| Tier 1 risk-based capital ratio | 11.8729% | 5,574 |
| Total risk-based capital ratio | 12.6784% | 5,760 |
| Memoranda: |
| Average total assets | $15,897,346,750 | 86 |
| Average earning assets | $14,839,341,500 | 80 |
| Average equity | $1,221,052,500 | 112 |
| Average total loans | $6,827,419,250 | 110 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4384% | 6,493 |
| Cost of funding earning assets | 0.0979% | 6,485 |
| Net interest margin | 2.3405% | 6,389 |
| Noninterest income to average assets | 1.6671% | 465 |
| Noninterest expense to average assets | 2.9627% | 2,957 |
| Loan and lease loss provision to assets | 0.1198% | 2,055 |
| Net operating income to assets | 0.5669% | 4,513 |
| Return on assets (ROA) | 0.6046% | 4,435 |
| Pretax return on assets | 0.8124% | 4,226 |
| Return on Equity (ROE) | 7.9531% | 3,124 |
| Retained earnings to average equity (ytd only) | 7.9531% | 1,345 |
| Net charge-offs to loans | 0.2212% | 1,709 |
| Credit loss provision to net charge-offs | 127.5339% | 1,632 |
| Earnings coverage of net charge-offs (x) | 9.3845% | 2,364 |
| Efficiency ratio | 76.4611% | 2,542 |
| Assets per employee ($millions) | 5.5288% | 1,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1093% | 4,862 |
| Loan loss allowance to noncurrent loans | 242.3005% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 5,469 |
| Noncurrent loans to loans | 0.4578% | 4,621 |
| Net loans and leases to total assets | 44.7718% | 5,477 |
| Net loans and leases to deposits | 55.5230% | 5,237 |
| Net loans and leases to core deposits | 57.1276% | 5,331 |
| Total domestic deposits to total assets | 80.6364% | 5,085 |
| Equity capital to assets | 8.2170% | 6,014 |
| Core capital (leverage) ratio | 7.5072% | 6,313 |
| Tier 1 risk-based capital ratio | 11.9555% | 5,567 |
| Total risk-based capital ratio | 12.7793% | 5,735 |
| Memoranda: |
| Average total assets | $15,864,656,000 | 83 |
| Average earning assets | $14,755,721,670 | 80 |
| Average equity | $1,206,043,330 | 111 |
| Average total loans | $6,735,020,330 | 110 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.3780% | 6,580 |
| Cost of funding earning assets | 0.0956% | 6,574 |
| Net interest margin | 2.2824% | 6,483 |
| Noninterest income to average assets | 1.5501% | 496 |
| Noninterest expense to average assets | 2.8347% | 3,441 |
| Loan and lease loss provision to assets | 0.1115% | 2,085 |
| Net operating income to assets | 0.5663% | 4,372 |
| Return on assets (ROA) | 0.5943% | 4,303 |
| Pretax return on assets | 0.7697% | 4,230 |
| Return on Equity (ROE) | 8.1293% | 2,876 |
| Retained earnings to average equity (ytd only) | 8.1293% | 1,554 |
| Net charge-offs to loans | 0.2251% | 1,421 |
| Credit loss provision to net charge-offs | 120.4174% | 1,454 |
| Earnings coverage of net charge-offs (x) | 9.1266% | 1,963 |
| Efficiency ratio | 76.4154% | 2,737 |
| Assets per employee ($millions) | 5.7191% | 1,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1171% | 5,046 |
| Loan loss allowance to noncurrent loans | 214.1998% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 5,504 |
| Noncurrent loans to loans | 0.5215% | 4,610 |
| Net loans and leases to total assets | 42.6876% | 5,610 |
| Net loans and leases to deposits | 53.8833% | 5,299 |
| Net loans and leases to core deposits | 56.2471% | 5,340 |
| Total domestic deposits to total assets | 79.2224% | 5,652 |
| Equity capital to assets | 7.6790% | 6,240 |
| Core capital (leverage) ratio | 6.9355% | 6,485 |
| Tier 1 risk-based capital ratio | 11.6017% | 5,863 |
| Total risk-based capital ratio | 12.4053% | 6,045 |
| Memoranda: |
| Average total assets | $16,150,689,000 | 81 |
| Average earning assets | $15,067,458,000 | 76 |
| Average equity | $1,180,767,000 | 113 |
| Average total loans | $6,640,747,500 | 112 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4156% | 6,643 |
| Cost of funding earning assets | 0.1039% | 6,663 |
| Net interest margin | 2.3117% | 6,515 |
| Noninterest income to average assets | 1.6041% | 555 |
| Noninterest expense to average assets | 2.9817% | 3,105 |
| Loan and lease loss provision to assets | 0.1126% | 2,933 |
| Net operating income to assets | 0.5273% | 4,609 |
| Return on assets (ROA) | 0.5707% | 4,515 |
| Pretax return on assets | 0.7232% | 4,447 |
| Return on Equity (ROE) | 8.1844% | 2,937 |
| Retained earnings to average equity (ytd only) | 5.9693% | 1,996 |
| Net charge-offs to loans | 0.2280% | 2,636 |
| Credit loss provision to net charge-offs | 123.4568% | 1,925 |
| Earnings coverage of net charge-offs (x) | 8.5596% | 2,653 |
| Efficiency ratio | 78.5466% | 2,378 |
| Assets per employee ($millions) | 6.0299% | 1,254 |
| Cash dividends to net income (ytd only)* | 27.0654% | 3,414 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1462% | 4,930 |
| Loan loss allowance to noncurrent loans | 220.3484% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.2116% | 5,649 |
| Noncurrent loans to loans | 0.5202% | 4,691 |
| Net loans and leases to total assets | 38.7371% | 6,041 |
| Net loans and leases to deposits | 46.7032% | 5,968 |
| Net loans and leases to core deposits | 49.2971% | 5,973 |
| Total domestic deposits to total assets | 82.9433% | 4,563 |
| Equity capital to assets | 6.9647% | 6,464 |
| Core capital (leverage) ratio | 7.2051% | 6,473 |
| Tier 1 risk-based capital ratio | 11.7314% | 5,788 |
| Total risk-based capital ratio | 12.5551% | 5,956 |
| Memoranda: |
| Average total assets | $15,538,181,800 | 79 |
| Average earning assets | $14,508,229,800 | 74 |
| Average equity | $1,083,449,800 | 119 |
| Average total loans | $6,216,661,200 | 115 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4433% | 6,716 |
| Cost of funding earning assets | 0.1110% | 6,743 |
| Net interest margin | 2.3323% | 6,567 |
| Noninterest income to average assets | 1.6283% | 550 |
| Noninterest expense to average assets | 2.9689% | 3,081 |
| Loan and lease loss provision to assets | 0.1179% | 2,823 |
| Net operating income to assets | 0.5557% | 4,551 |
| Return on assets (ROA) | 0.6140% | 4,411 |
| Pretax return on assets | 0.7915% | 4,326 |
| Return on Equity (ROE) | 8.8028% | 2,739 |
| Retained earnings to average equity (ytd only) | 5.7969% | 2,542 |
| Net charge-offs to loans | 0.2169% | 2,526 |
| Credit loss provision to net charge-offs | 135.1622% | 1,745 |
| Earnings coverage of net charge-offs (x) | 9.5660% | 2,467 |
| Efficiency ratio | 77.3316% | 2,508 |
| Assets per employee ($millions) | 5.7943% | 1,381 |
| Cash dividends to net income (ytd only)* | 34.1472% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1512% | 5,115 |
| Loan loss allowance to noncurrent loans | 213.8642% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.2294% | 5,755 |
| Noncurrent loans to loans | 0.5383% | 4,848 |
| Net loans and leases to total assets | 40.4564% | 5,999 |
| Net loans and leases to deposits | 48.9600% | 5,908 |
| Net loans and leases to core deposits | 50.1793% | 6,007 |
| Total domestic deposits to total assets | 82.6315% | 4,708 |
| Equity capital to assets | 7.2785% | 6,468 |
| Core capital (leverage) ratio | 7.3602% | 6,491 |
| Tier 1 risk-based capital ratio | 11.4861% | 6,066 |
| Total risk-based capital ratio | 12.3092% | 6,219 |
| Memoranda: |
| Average total assets | $15,262,100,750 | 81 |
| Average earning assets | $14,234,466,000 | 77 |
| Average equity | $1,064,538,000 | 120 |
| Average total loans | $6,140,431,750 | 114 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4347% | 6,755 |
| Cost of funding earning assets | 0.1181% | 6,785 |
| Net interest margin | 2.3166% | 6,605 |
| Noninterest income to average assets | 1.6857% | 576 |
| Noninterest expense to average assets | 2.9927% | 3,020 |
| Loan and lease loss provision to assets | 0.0930% | 3,232 |
| Net operating income to assets | 0.5883% | 4,356 |
| Return on assets (ROA) | 0.6641% | 4,150 |
| Pretax return on assets | 0.8632% | 4,052 |
| Return on Equity (ROE) | 9.6695% | 2,337 |
| Retained earnings to average equity (ytd only) | 5.0251% | 3,042 |
| Net charge-offs to loans | 0.2253% | 2,382 |
| Credit loss provision to net charge-offs | 103.2601% | 2,144 |
| Earnings coverage of net charge-offs (x) | 9.5201% | 2,273 |
| Efficiency ratio | 76.9746% | 2,631 |
| Assets per employee ($millions) | 5.4504% | 1,628 |
| Cash dividends to net income (ytd only)* | 48.0317% | 1,960 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1291% | 5,323 |
| Loan loss allowance to noncurrent loans | 242.8547% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.2206% | 5,832 |
| Noncurrent loans to loans | 0.4649% | 5,094 |
| Net loans and leases to total assets | 41.8405% | 5,908 |
| Net loans and leases to deposits | 53.2578% | 5,584 |
| Net loans and leases to core deposits | 54.4890% | 5,712 |
| Total domestic deposits to total assets | 78.5622% | 5,873 |
| Equity capital to assets | 6.5412% | 6,680 |
| Core capital (leverage) ratio | 6.2449% | 6,727 |
| Tier 1 risk-based capital ratio | 9.9032% | 6,653 |
| Total risk-based capital ratio | 10.7114% | 6,713 |
| Memoranda: |
| Average total assets | $15,047,718,330 | 81 |
| Average earning assets | $14,061,274,670 | 77 |
| Average equity | $1,033,494,330 | 124 |
| Average total loans | $6,017,364,330 | 114 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4018% | 6,839 |
| Cost of funding earning assets | 0.1257% | 6,847 |
| Net interest margin | 2.2761% | 6,701 |
| Noninterest income to average assets | 1.7055% | 542 |
| Noninterest expense to average assets | 2.9293% | 3,233 |
| Loan and lease loss provision to assets | 0.0531% | 3,739 |
| Net operating income to assets | 0.6362% | 4,044 |
| Return on assets (ROA) | 0.7534% | 3,556 |
| Pretax return on assets | 1.0020% | 3,344 |
| Return on Equity (ROE) | 10.7163% | 1,787 |
| Retained earnings to average equity (ytd only) | 6.1873% | 2,580 |
| Net charge-offs to loans | 0.2423% | 1,999 |
| Credit loss provision to net charge-offs | 56.4175% | 2,499 |
| Earnings coverage of net charge-offs (x) | 9.5543% | 1,820 |
| Efficiency ratio | 75.7465% | 2,966 |
| Assets per employee ($millions) | 5.5350% | 1,639 |
| Cash dividends to net income (ytd only)* | 42.2624% | 1,780 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1615% | 5,359 |
| Loan loss allowance to noncurrent loans | 210.2127% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.2381% | 5,855 |
| Noncurrent loans to loans | 0.5525% | 5,058 |
| Net loans and leases to total assets | 38.4677% | 6,121 |
| Net loans and leases to deposits | 47.1694% | 5,982 |
| Net loans and leases to core deposits | 48.2964% | 6,081 |
| Total domestic deposits to total assets | 81.5522% | 5,339 |
| Equity capital to assets | 6.8376% | 6,742 |
| Core capital (leverage) ratio | 6.2152% | 6,777 |
| Tier 1 risk-based capital ratio | 10.2781% | 6,642 |
| Total risk-based capital ratio | 11.1068% | 6,698 |
| Memoranda: |
| Average total assets | $15,074,492,000 | 80 |
| Average earning assets | $14,057,422,000 | 77 |
| Average equity | $1,059,840,000 | 123 |
| Average total loans | $5,853,404,500 | 116 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6614% | 6,888 |
| Cost of funding earning assets | 0.1558% | 6,904 |
| Net interest margin | 2.5056% | 6,711 |
| Noninterest income to average assets | 1.8131% | 507 |
| Noninterest expense to average assets | 3.2172% | 2,555 |
| Loan and lease loss provision to assets | 0.1264% | 4,031 |
| Net operating income to assets | 0.5973% | 4,253 |
| Return on assets (ROA) | 0.7064% | 3,963 |
| Pretax return on assets | 0.9432% | 3,770 |
| Return on Equity (ROE) | 9.3704% | 2,452 |
| Retained earnings to average equity (ytd only) | 4.2922% | 3,201 |
| Net charge-offs to loans | 0.3408% | 2,931 |
| Credit loss provision to net charge-offs | 96.7332% | 3,214 |
| Earnings coverage of net charge-offs (x) | 7.0727% | 2,685 |
| Efficiency ratio | 76.8365% | 2,618 |
| Assets per employee ($millions) | 5.0989% | 2,102 |
| Cash dividends to net income (ytd only)* | 54.1939% | 2,106 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2553% | 4,847 |
| Loan loss allowance to noncurrent loans | 226.2751% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 5,954 |
| Noncurrent loans to loans | 0.5547% | 5,141 |
| Net loans and leases to total assets | 38.2491% | 6,282 |
| Net loans and leases to deposits | 47.9790% | 6,113 |
| Net loans and leases to core deposits | 50.0317% | 6,145 |
| Total domestic deposits to total assets | 79.7204% | 5,739 |
| Equity capital to assets | 7.2339% | 6,712 |
| Core capital (leverage) ratio | 7.5788% | 6,458 |
| Tier 1 risk-based capital ratio | 10.5384% | 6,539 |
| Total risk-based capital ratio | 11.4205% | 6,620 |
| Memoranda: |
| Average total assets | $13,844,917,200 | 83 |
| Average earning assets | $12,864,974,600 | 79 |
| Average equity | $1,043,675,000 | 125 |
| Average total loans | $5,308,508,400 | 124 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6525% | 7,014 |
| Cost of funding earning assets | 0.1595% | 7,017 |
| Net interest margin | 2.4930% | 6,827 |
| Noninterest income to average assets | 2.1333% | 389 |
| Noninterest expense to average assets | 3.4816% | 1,801 |
| Loan and lease loss provision to assets | 0.1597% | 3,520 |
| Net operating income to assets | 0.6175% | 4,310 |
| Return on assets (ROA) | 0.7753% | 3,825 |
| Pretax return on assets | 1.0199% | 3,638 |
| Return on Equity (ROE) | 11.1408% | 1,909 |
| Retained earnings to average equity (ytd only) | 4.8150% | 3,502 |
| Net charge-offs to loans | 0.4077% | 2,464 |
| Credit loss provision to net charge-offs | 105.2116% | 2,791 |
| Earnings coverage of net charge-offs (x) | 6.4015% | 2,795 |
| Efficiency ratio | 77.4797% | 2,459 |
| Assets per employee ($millions) | 4.5511% | 2,819 |
| Cash dividends to net income (ytd only)* | 56.7807% | 1,406 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4345% | 4,223 |
| Loan loss allowance to noncurrent loans | 238.2671% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.2742% | 6,016 |
| Noncurrent loans to loans | 0.6020% | 5,233 |
| Net loans and leases to total assets | 38.2129% | 6,407 |
| Net loans and leases to deposits | 46.6208% | 6,344 |
| Net loans and leases to core deposits | 47.6194% | 6,441 |
| Total domestic deposits to total assets | 81.9654% | 5,039 |
| Equity capital to assets | 7.2239% | 6,840 |
| Core capital (leverage) ratio | 6.1719% | 6,933 |
| Tier 1 risk-based capital ratio | 10.4133% | 6,697 |
| Total risk-based capital ratio | 11.3945% | 6,741 |
| Memoranda: |
| Average total assets | $11,205,661,000 | 104 |
| Average earning assets | $10,429,064,000 | 99 |
| Average equity | $779,854,250 | 148 |
| Average total loans | $4,173,236,250 | 141 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6490% | 7,089 |
| Cost of funding earning assets | 0.1667% | 7,083 |
| Net interest margin | 2.4824% | 6,903 |
| Noninterest income to average assets | 2.1909% | 351 |
| Noninterest expense to average assets | 3.4593% | 1,880 |
| Loan and lease loss provision to assets | 0.1604% | 3,512 |
| Net operating income to assets | 0.6644% | 4,040 |
| Return on assets (ROA) | 0.8942% | 3,203 |
| Pretax return on assets | 1.1867% | 2,986 |
| Return on Equity (ROE) | 13.0129% | 1,362 |
| Retained earnings to average equity (ytd only) | 6.5304% | 2,369 |
| Net charge-offs to loans | 0.3501% | 2,618 |
| Credit loss provision to net charge-offs | 124.7056% | 2,205 |
| Earnings coverage of net charge-offs (x) | 8.0923% | 2,365 |
| Efficiency ratio | 76.1784% | 2,713 |
| Assets per employee ($millions) | 4.4202% | 3,050 |
| Cash dividends to net income (ytd only)* | 49.8157% | 1,750 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4847% | 4,081 |
| Loan loss allowance to noncurrent loans | 210.0453% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.3175% | 5,970 |
| Noncurrent loans to loans | 0.7068% | 5,092 |
| Net loans and leases to total assets | 37.9214% | 6,485 |
| Net loans and leases to deposits | 47.2278% | 6,361 |
| Net loans and leases to core deposits | 48.4549% | 6,434 |
| Total domestic deposits to total assets | 80.2948% | 5,665 |
| Equity capital to assets | 7.1187% | 6,885 |
| Core capital (leverage) ratio | 6.0822% | 6,980 |
| Tier 1 risk-based capital ratio | 10.6443% | 6,644 |
| Total risk-based capital ratio | 11.6737% | 6,709 |
| Memoranda: |
| Average total assets | $11,224,176,670 | 103 |
| Average earning assets | $10,440,582,670 | 99 |
| Average equity | $771,313,330 | 146 |
| Average total loans | $4,123,384,670 | 143 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6149% | 7,152 |
| Cost of funding earning assets | 0.1756% | 7,140 |
| Net interest margin | 2.4393% | 6,990 |
| Noninterest income to average assets | 2.1693% | 363 |
| Noninterest expense to average assets | 3.3270% | 2,211 |
| Loan and lease loss provision to assets | 0.1591% | 3,391 |
| Net operating income to assets | 0.7073% | 3,849 |
| Return on assets (ROA) | 1.0913% | 2,319 |
| Pretax return on assets | 1.4720% | 1,955 |
| Return on Equity (ROE) | 16.1633% | 781 |
| Retained earnings to average equity (ytd only) | 9.3553% | 1,456 |
| Net charge-offs to loans | 0.2947% | 2,484 |
| Credit loss provision to net charge-offs | 150.4514% | 1,664 |
| Earnings coverage of net charge-offs (x) | 10.5176% | 1,747 |
| Efficiency ratio | 74.2348% | 3,065 |
| Assets per employee ($millions) | 4.6162% | 2,780 |
| Cash dividends to net income (ytd only)* | 42.1203% | 1,691 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5260% | 4,037 |
| Loan loss allowance to noncurrent loans | 284.4799% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.2410% | 6,285 |
| Noncurrent loans to loans | 0.5364% | 5,589 |
| Net loans and leases to total assets | 35.5139% | 6,653 |
| Net loans and leases to deposits | 43.9973% | 6,559 |
| Net loans and leases to core deposits | 45.5018% | 6,600 |
| Total domestic deposits to total assets | 80.7183% | 5,675 |
| Equity capital to assets | 6.6966% | 6,980 |
| Core capital (leverage) ratio | 6.0045% | 7,039 |
| Tier 1 risk-based capital ratio | 10.5500% | 6,720 |
| Total risk-based capital ratio | 11.5787% | 6,786 |
| Memoranda: |
| Average total assets | $11,313,246,500 | 101 |
| Average earning assets | $10,528,110,500 | 96 |
| Average equity | $763,804,500 | 146 |
| Average total loans | $4,059,105,000 | 144 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7976% | 7,226 |
| Cost of funding earning assets | 0.2184% | 7,218 |
| Net interest margin | 2.5791% | 7,015 |
| Noninterest income to average assets | 2.1826% | 334 |
| Noninterest expense to average assets | 3.5767% | 1,787 |
| Loan and lease loss provision to assets | 0.1876% | 4,309 |
| Net operating income to assets | 0.6099% | 3,950 |
| Return on assets (ROA) | 0.7079% | 3,635 |
| Pretax return on assets | 0.9302% | 3,512 |
| Return on Equity (ROE) | 10.5154% | 1,870 |
| Retained earnings to average equity (ytd only) | 6.0984% | 1,958 |
| Net charge-offs to loans | 0.5849% | 2,696 |
| Credit loss provision to net charge-offs | 89.7852% | 4,007 |
| Earnings coverage of net charge-offs (x) | 4.7329% | 2,998 |
| Efficiency ratio | 77.5124% | 2,662 |
| Assets per employee ($millions) | 4.5888% | 2,773 |
| Cash dividends to net income (ytd only)* | 42.0052% | 2,468 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5338% | 3,864 |
| Loan loss allowance to noncurrent loans | 267.2359% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 6,327 |
| Noncurrent loans to loans | 0.5740% | 5,566 |
| Net loans and leases to total assets | 35.1433% | 6,808 |
| Net loans and leases to deposits | 46.1203% | 6,621 |
| Net loans and leases to core deposits | 49.0965% | 6,583 |
| Total domestic deposits to total assets | 76.1991% | 6,457 |
| Equity capital to assets | 6.8073% | 7,003 |
| Core capital (leverage) ratio | 6.3182% | 7,011 |
| Tier 1 risk-based capital ratio | 10.6800% | 6,615 |
| Total risk-based capital ratio | 11.7254% | 6,675 |
| Memoranda: |
| Average total assets | $10,762,259,800 | 101 |
| Average earning assets | $9,943,799,400 | 96 |
| Average equity | $724,473,400 | 148 |
| Average total loans | $3,844,654,000 | 145 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8359% | 7,297 |
| Cost of funding earning assets | 0.2300% | 7,297 |
| Net interest margin | 2.6059% | 7,069 |
| Noninterest income to average assets | 2.2317% | 317 |
| Noninterest expense to average assets | 3.5988% | 1,712 |
| Loan and lease loss provision to assets | 0.2045% | 3,978 |
| Net operating income to assets | 0.6198% | 4,010 |
| Return on assets (ROA) | 0.7461% | 3,566 |
| Pretax return on assets | 1.0040% | 3,382 |
| Return on Equity (ROE) | 11.1161% | 1,825 |
| Retained earnings to average equity (ytd only) | 7.3860% | 1,781 |
| Net charge-offs to loans | 0.5785% | 2,518 |
| Credit loss provision to net charge-offs | 98.9463% | 3,453 |
| Earnings coverage of net charge-offs (x) | 5.0204% | 2,896 |
| Efficiency ratio | 76.7610% | 2,713 |
| Assets per employee ($millions) | 4.0465% | 3,740 |
| Cash dividends to net income (ytd only)* | 33.5559% | 2,321 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6379% | 3,492 |
| Loan loss allowance to noncurrent loans | 388.9386% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.2124% | 6,530 |
| Noncurrent loans to loans | 0.4211% | 5,999 |
| Net loans and leases to total assets | 38.6191% | 6,734 |
| Net loans and leases to deposits | 48.9423% | 6,567 |
| Net loans and leases to core deposits | 50.8373% | 6,631 |
| Total domestic deposits to total assets | 78.9074% | 6,008 |
| Equity capital to assets | 7.6445% | 6,870 |
| Core capital (leverage) ratio | 6.4736% | 7,079 |
| Tier 1 risk-based capital ratio | 10.8621% | 6,625 |
| Total risk-based capital ratio | 11.9678% | 6,681 |
| Memoranda: |
| Average total assets | $10,651,342,250 | 102 |
| Average earning assets | $9,830,135,250 | 96 |
| Average equity | $714,886,000 | 152 |
| Average total loans | $3,805,948,750 | 148 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7775% | 7,391 |
| Cost of funding earning assets | 0.2335% | 7,377 |
| Net interest margin | 2.5440% | 7,158 |
| Noninterest income to average assets | 2.1886% | 320 |
| Noninterest expense to average assets | 3.5602% | 1,838 |
| Loan and lease loss provision to assets | 0.2298% | 3,613 |
| Net operating income to assets | 0.5543% | 4,292 |
| Return on assets (ROA) | 0.7234% | 3,543 |
| Pretax return on assets | 0.9698% | 3,360 |
| Return on Equity (ROE) | 11.2488% | 1,714 |
| Retained earnings to average equity (ytd only) | 8.3985% | 1,301 |
| Net charge-offs to loans | 0.6950% | 2,113 |
| Credit loss provision to net charge-offs | 95.3975% | 3,293 |
| Earnings coverage of net charge-offs (x) | 4.0437% | 2,982 |
| Efficiency ratio | 77.6106% | 2,772 |
| Assets per employee ($millions) | 4.3664% | 3,047 |
| Cash dividends to net income (ytd only)* | 25.3383% | 2,656 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6454% | 3,514 |
| Loan loss allowance to noncurrent loans | 382.1522% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.2078% | 6,592 |
| Noncurrent loans to loans | 0.4306% | 6,042 |
| Net loans and leases to total assets | 35.2649% | 6,997 |
| Net loans and leases to deposits | 44.3100% | 6,913 |
| Net loans and leases to core deposits | 46.0697% | 6,935 |
| Total domestic deposits to total assets | 79.5868% | 5,931 |
| Equity capital to assets | 6.8255% | 7,138 |
| Core capital (leverage) ratio | 6.1243% | 7,179 |
| Tier 1 risk-based capital ratio | 11.1055% | 6,444 |
| Total risk-based capital ratio | 12.2453% | 6,516 |
| Memoranda: |
| Average total assets | $10,912,003,330 | 99 |
| Average earning assets | $10,061,701,330 | 96 |
| Average equity | $701,694,670 | 154 |
| Average total loans | $3,782,957,000 | 151 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7610% | 7,448 |
| Cost of funding earning assets | 0.2480% | 7,440 |
| Net interest margin | 2.5130% | 7,189 |
| Noninterest income to average assets | 2.1807% | 325 |
| Noninterest expense to average assets | 3.4118% | 2,250 |
| Loan and lease loss provision to assets | 0.2576% | 3,086 |
| Net operating income to assets | 0.5975% | 4,042 |
| Return on assets (ROA) | 0.7750% | 3,217 |
| Pretax return on assets | 1.0541% | 2,926 |
| Return on Equity (ROE) | 12.4221% | 1,347 |
| Retained earnings to average equity (ytd only) | 12.4221% | 673 |
| Net charge-offs to loans | 0.8627% | 1,530 |
| Credit loss provision to net charge-offs | 87.5786% | 2,983 |
| Earnings coverage of net charge-offs (x) | 3.6443% | 2,682 |
| Efficiency ratio | 75.1899% | 3,301 |
| Assets per employee ($millions) | 4.6564% | 2,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6512% | 3,519 |
| Loan loss allowance to noncurrent loans | 298.6981% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.2171% | 6,627 |
| Noncurrent loans to loans | 0.5528% | 5,918 |
| Net loans and leases to total assets | 32.8486% | 7,131 |
| Net loans and leases to deposits | 41.3832% | 7,045 |
| Net loans and leases to core deposits | 42.9729% | 7,077 |
| Total domestic deposits to total assets | 79.3767% | 6,098 |
| Equity capital to assets | 6.1285% | 7,269 |
| Core capital (leverage) ratio | 5.8582% | 7,272 |
| Tier 1 risk-based capital ratio | 11.1944% | 6,356 |
| Total risk-based capital ratio | 12.3534% | 6,406 |
| Memoranda: |
| Average total assets | $11,025,678,000 | 100 |
| Average earning assets | $10,104,063,500 | 96 |
| Average equity | $687,901,000 | 154 |
| Average total loans | $3,758,952,000 | 152 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2253% | 7,459 |
| Cost of funding earning assets | 0.3307% | 7,483 |
| Net interest margin | 2.8945% | 6,904 |
| Noninterest income to average assets | 2.3651% | 302 |
| Noninterest expense to average assets | 3.7908% | 1,502 |
| Loan and lease loss provision to assets | 0.2999% | 4,406 |
| Net operating income to assets | 0.6553% | 3,416 |
| Return on assets (ROA) | 0.7105% | 3,322 |
| Pretax return on assets | 0.9812% | 2,992 |
| Return on Equity (ROE) | 10.5478% | 1,741 |
| Retained earnings to average equity (ytd only) | 10.5478% | 434 |
| Net charge-offs to loans | 0.5436% | 3,431 |
| Credit loss provision to net charge-offs | 149.4987% | 2,426 |
| Earnings coverage of net charge-offs (x) | 6.0043% | 2,468 |
| Efficiency ratio | 74.9817% | 3,209 |
| Assets per employee ($millions) | 4.3297% | 3,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7086% | 3,187 |
| Loan loss allowance to noncurrent loans | 235.2369% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.2915% | 6,516 |
| Noncurrent loans to loans | 0.7263% | 5,596 |
| Net loans and leases to total assets | 34.2331% | 7,219 |
| Net loans and leases to deposits | 46.7765% | 7,008 |
| Net loans and leases to core deposits | 50.2103% | 6,970 |
| Total domestic deposits to total assets | 73.1844% | 6,985 |
| Equity capital to assets | 6.3565% | 7,282 |
| Core capital (leverage) ratio | 6.1495% | 7,271 |
| Tier 1 risk-based capital ratio | 10.8345% | 6,460 |
| Total risk-based capital ratio | 12.0085% | 6,493 |
| Memoranda: |
| Average total assets | $9,795,642,800 | 112 |
| Average earning assets | $8,900,787,200 | 108 |
| Average equity | $659,796,400 | 156 |
| Average total loans | $3,614,624,400 | 154 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2995% | 7,582 |
| Cost of funding earning assets | 0.3489% | 7,608 |
| Net interest margin | 2.9506% | 6,926 |
| Noninterest income to average assets | 2.4262% | 289 |
| Noninterest expense to average assets | 3.8372% | 1,304 |
| Loan and lease loss provision to assets | 0.3239% | 3,996 |
| Net operating income to assets | 0.7149% | 3,352 |
| Return on assets (ROA) | 0.7820% | 3,237 |
| Pretax return on assets | 1.0502% | 2,996 |
| Return on Equity (ROE) | 11.4308% | 1,668 |
| Retained earnings to average equity (ytd only) | 11.4308% | 538 |
| Net charge-offs to loans | 0.5352% | 3,161 |
| Credit loss provision to net charge-offs | 161.4583% | 2,338 |
| Earnings coverage of net charge-offs (x) | 6.3976% | 2,531 |
| Efficiency ratio | 74.0628% | 3,321 |
| Assets per employee ($millions) | 3.8373% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6783% | 3,227 |
| Loan loss allowance to noncurrent loans | 230.2120% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.3444% | 6,523 |
| Noncurrent loans to loans | 0.7290% | 5,741 |
| Net loans and leases to total assets | 38.7166% | 7,152 |
| Net loans and leases to deposits | 50.3585% | 6,991 |
| Net loans and leases to core deposits | 52.9291% | 7,010 |
| Total domestic deposits to total assets | 76.8819% | 6,504 |
| Equity capital to assets | 7.3363% | 7,209 |
| Core capital (leverage) ratio | 6.2862% | 7,389 |
| Tier 1 risk-based capital ratio | 11.1735% | 6,217 |
| Total risk-based capital ratio | 12.3981% | 6,232 |
| Memoranda: |
| Average total assets | $9,570,960,000 | 112 |
| Average earning assets | $8,739,599,750 | 107 |
| Average equity | $654,797,250 | 155 |
| Average total loans | $3,587,116,000 | 153 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2901% | 7,660 |
| Cost of funding earning assets | 0.3620% | 7,684 |
| Net interest margin | 2.9281% | 6,971 |
| Noninterest income to average assets | 2.4571% | 275 |
| Noninterest expense to average assets | 3.8124% | 1,341 |
| Loan and lease loss provision to assets | 0.3241% | 3,803 |
| Net operating income to assets | 0.7188% | 3,316 |
| Return on assets (ROA) | 0.8073% | 3,082 |
| Pretax return on assets | 1.1135% | 2,739 |
| Return on Equity (ROE) | 12.0878% | 1,426 |
| Retained earnings to average equity (ytd only) | 12.0878% | 474 |
| Net charge-offs to loans | 0.5475% | 2,889 |
| Credit loss provision to net charge-offs | 160.6405% | 2,451 |
| Earnings coverage of net charge-offs (x) | 6.5163% | 2,447 |
| Efficiency ratio | 73.6090% | 3,543 |
| Assets per employee ($millions) | 3.7807% | 4,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6549% | 3,237 |
| Loan loss allowance to noncurrent loans | 253.2512% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.3186% | 6,618 |
| Noncurrent loans to loans | 0.6534% | 5,950 |
| Net loans and leases to total assets | 37.5751% | 7,287 |
| Net loans and leases to deposits | 49.4900% | 7,089 |
| Net loans and leases to core deposits | 51.8421% | 7,143 |
| Total domestic deposits to total assets | 75.9246% | 6,713 |
| Equity capital to assets | 7.1247% | 7,301 |
| Core capital (leverage) ratio | 6.0687% | 7,471 |
| Tier 1 risk-based capital ratio | 10.8136% | 6,441 |
| Total risk-based capital ratio | 11.9802% | 6,487 |
| Memoranda: |
| Average total assets | $9,595,476,330 | 112 |
| Average earning assets | $8,749,994,000 | 106 |
| Average equity | $640,809,000 | 157 |
| Average total loans | $3,536,208,670 | 151 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2627% | 7,765 |
| Cost of funding earning assets | 0.3794% | 7,784 |
| Net interest margin | 2.8833% | 7,042 |
| Noninterest income to average assets | 2.2999% | 280 |
| Noninterest expense to average assets | 3.6398% | 1,639 |
| Loan and lease loss provision to assets | 0.3125% | 3,546 |
| Net operating income to assets | 0.7057% | 3,414 |
| Return on assets (ROA) | 0.8547% | 2,825 |
| Pretax return on assets | 1.1668% | 2,485 |
| Return on Equity (ROE) | 13.2312% | 1,209 |
| Retained earnings to average equity (ytd only) | 13.2312% | 592 |
| Net charge-offs to loans | 0.5397% | 2,448 |
| Credit loss provision to net charge-offs | 159.9576% | 2,253 |
| Earnings coverage of net charge-offs (x) | 6.5282% | 2,206 |
| Efficiency ratio | 73.4423% | 3,681 |
| Assets per employee ($millions) | 3.6873% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6250% | 3,344 |
| Loan loss allowance to noncurrent loans | 209.0979% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.3613% | 6,573 |
| Noncurrent loans to loans | 0.7772% | 5,772 |
| Net loans and leases to total assets | 37.7018% | 7,358 |
| Net loans and leases to deposits | 49.0871% | 7,177 |
| Net loans and leases to core deposits | 51.9226% | 7,204 |
| Total domestic deposits to total assets | 76.8058% | 6,593 |
| Equity capital to assets | 6.9492% | 7,393 |
| Core capital (leverage) ratio | 5.8598% | 7,599 |
| Tier 1 risk-based capital ratio | 10.9595% | 6,203 |
| Total risk-based capital ratio | 12.1082% | 6,272 |
| Memoranda: |
| Average total assets | $9,665,454,000 | 110 |
| Average earning assets | $8,766,316,500 | 107 |
| Average equity | $624,373,500 | 162 |
| Average total loans | $3,497,960,000 | 159 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5712% | 7,816 |
| Cost of funding earning assets | 0.5157% | 7,824 |
| Net interest margin | 3.0554% | 6,502 |
| Noninterest income to average assets | 2.6214% | 259 |
| Noninterest expense to average assets | 4.0196% | 1,337 |
| Loan and lease loss provision to assets | 0.3363% | 4,786 |
| Net operating income to assets | 0.7917% | 2,561 |
| Return on assets (ROA) | 0.7918% | 2,655 |
| Pretax return on assets | 1.0612% | 2,376 |
| Return on Equity (ROE) | 11.4787% | 1,300 |
| Retained earnings to average equity (ytd only) | 5.6722% | 1,486 |
| Net charge-offs to loans | 0.5423% | 3,620 |
| Credit loss provision to net charge-offs | 158.7360% | 2,821 |
| Earnings coverage of net charge-offs (x) | 6.5959% | 2,331 |
| Efficiency ratio | 73.8552% | 3,926 |
| Assets per employee ($millions) | 4.0993% | 3,618 |
| Cash dividends to net income (ytd only)* | 50.5855% | 2,441 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5387% | 3,535 |
| Loan loss allowance to noncurrent loans | 217.8912% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.2867% | 6,732 |
| Noncurrent loans to loans | 0.7062% | 5,832 |
| Net loans and leases to total assets | 33.7600% | 7,602 |
| Net loans and leases to deposits | 47.4042% | 7,377 |
| Net loans and leases to core deposits | 53.7444% | 7,477 |
| Total domestic deposits to total assets | 71.2172% | 7,314 |
| Equity capital to assets | 6.0236% | 7,662 |
| Core capital (leverage) ratio | 6.0531% | 7,624 |
| Tier 1 risk-based capital ratio | 10.4694% | 6,429 |
| Total risk-based capital ratio | 11.5548% | 6,557 |
| Memoranda: |
| Average total assets | $9,037,389,600 | 115 |
| Average earning assets | $8,268,643,400 | 111 |
| Average equity | $623,431,800 | 154 |
| Average total loans | $3,530,245,400 | 162 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6566% | 7,906 |
| Cost of funding earning assets | 0.5491% | 7,915 |
| Net interest margin | 3.1075% | 6,296 |
| Noninterest income to average assets | 2.7118% | 243 |
| Noninterest expense to average assets | 4.1698% | 1,065 |
| Loan and lease loss provision to assets | 0.2973% | 4,585 |
| Net operating income to assets | 0.8047% | 2,793 |
| Return on assets (ROA) | 0.8048% | 2,858 |
| Pretax return on assets | 1.1055% | 2,544 |
| Return on Equity (ROE) | 11.2502% | 1,557 |
| Retained earnings to average equity (ytd only) | 3.5326% | 3,320 |
| Net charge-offs to loans | 0.4980% | 3,231 |
| Credit loss provision to net charge-offs | 147.5397% | 3,282 |
| Earnings coverage of net charge-offs (x) | 6.9615% | 2,506 |
| Efficiency ratio | 74.4936% | 3,786 |
| Assets per employee ($millions) | 3.4359% | 5,084 |
| Cash dividends to net income (ytd only)* | 68.5996% | 1,308 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3958% | 3,972 |
| Loan loss allowance to noncurrent loans | 188.0089% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.3462% | 6,617 |
| Noncurrent loans to loans | 0.7424% | 5,828 |
| Net loans and leases to total assets | 40.1114% | 7,463 |
| Net loans and leases to deposits | 50.7497% | 7,375 |
| Net loans and leases to core deposits | 55.9521% | 7,542 |
| Total domestic deposits to total assets | 79.0377% | 5,790 |
| Equity capital to assets | 7.0893% | 7,554 |
| Core capital (leverage) ratio | 6.3809% | 7,711 |
| Tier 1 risk-based capital ratio | 10.8390% | 6,116 |
| Total risk-based capital ratio | 11.8700% | 6,304 |
| Memoranda: |
| Average total assets | $8,741,854,500 | 124 |
| Average earning assets | $8,047,080,750 | 118 |
| Average equity | $625,394,500 | 159 |
| Average total loans | $3,536,800,250 | 170 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6393% | 8,005 |
| Cost of funding earning assets | 0.5629% | 8,014 |
| Net interest margin | 3.0764% | 6,312 |
| Noninterest income to average assets | 2.7693% | 234 |
| Noninterest expense to average assets | 4.2546% | 1,007 |
| Loan and lease loss provision to assets | 0.2664% | 4,455 |
| Net operating income to assets | 0.7735% | 2,959 |
| Return on assets (ROA) | 0.8003% | 2,953 |
| Pretax return on assets | 1.1128% | 2,589 |
| Return on Equity (ROE) | 11.1530% | 1,660 |
| Retained earnings to average equity (ytd only) | -0.3364% | 5,304 |
| Net charge-offs to loans | 0.5120% | 2,792 |
| Credit loss provision to net charge-offs | 128.8546% | 3,612 |
| Earnings coverage of net charge-offs (x) | 6.4903% | 2,606 |
| Efficiency ratio | 75.7032% | 3,741 |
| Assets per employee ($millions) | 3.2576% | 5,426 |
| Cash dividends to net income (ytd only)* | 103.0165% | 680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2782% | 4,404 |
| Loan loss allowance to noncurrent loans | 271.9630% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 6,871 |
| Noncurrent loans to loans | 0.4700% | 6,351 |
| Net loans and leases to total assets | 41.7159% | 7,463 |
| Net loans and leases to deposits | 53.5595% | 7,305 |
| Net loans and leases to core deposits | 59.0306% | 7,484 |
| Total domestic deposits to total assets | 77.8870% | 6,107 |
| Equity capital to assets | 7.5041% | 7,259 |
| Core capital (leverage) ratio | 6.5483% | 7,774 |
| Tier 1 risk-based capital ratio | 11.4650% | 5,426 |
| Total risk-based capital ratio | 12.4181% | 5,627 |
| Memoranda: |
| Average total assets | $8,782,249,000 | 127 |
| Average earning assets | $8,071,399,330 | 123 |
| Average equity | $630,144,000 | 161 |
| Average total loans | $3,546,792,330 | 179 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5869% | 8,084 |
| Cost of funding earning assets | 0.5752% | 8,067 |
| Net interest margin | 3.0117% | 6,451 |
| Noninterest income to average assets | 2.6861% | 229 |
| Noninterest expense to average assets | 3.9851% | 1,202 |
| Loan and lease loss provision to assets | 0.2539% | 3,935 |
| Net operating income to assets | 0.8728% | 2,828 |
| Return on assets (ROA) | 0.8741% | 2,973 |
| Pretax return on assets | 1.2221% | 2,545 |
| Return on Equity (ROE) | 12.4489% | 1,530 |
| Retained earnings to average equity (ytd only) | 1.9828% | 4,754 |
| Net charge-offs to loans | 0.4792% | 2,253 |
| Credit loss provision to net charge-offs | 134.0861% | 3,017 |
| Earnings coverage of net charge-offs (x) | 7.7857% | 2,299 |
| Efficiency ratio | 72.6771% | 4,068 |
| Assets per employee ($millions) | 3.2889% | 5,346 |
| Cash dividends to net income (ytd only)* | 84.0721% | 968 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2558% | 4,374 |
| Loan loss allowance to noncurrent loans | 242.2125% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2303% | 6,834 |
| Noncurrent loans to loans | 0.5185% | 6,132 |
| Net loans and leases to total assets | 39.8794% | 7,576 |
| Net loans and leases to deposits | 52.3290% | 7,381 |
| Net loans and leases to core deposits | 56.9189% | 7,571 |
| Total domestic deposits to total assets | 76.2091% | 6,473 |
| Equity capital to assets | 7.3003% | 7,494 |
| Core capital (leverage) ratio | 6.4918% | 7,883 |
| Tier 1 risk-based capital ratio | 11.5030% | 5,413 |
| Total risk-based capital ratio | 12.4273% | 5,640 |
| Memoranda: |
| Average total assets | $8,980,899,500 | 126 |
| Average earning assets | $8,269,287,500 | 122 |
| Average equity | $630,610,000 | 157 |
| Average total loans | $3,548,616,500 | 180 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5478% | 8,022 |
| Cost of funding earning assets | 1.3467% | 7,798 |
| Net interest margin | 3.2011% | 6,363 |
| Noninterest income to average assets | 3.2080% | 184 |
| Noninterest expense to average assets | 4.4110% | 944 |
| Loan and lease loss provision to assets | 0.2090% | 4,804 |
| Net operating income to assets | 0.9549% | 2,767 |
| Return on assets (ROA) | 1.0555% | 2,228 |
| Pretax return on assets | 1.5164% | 1,635 |
| Return on Equity (ROE) | 14.1554% | 1,075 |
| Retained earnings to average equity (ytd only) | 3.4024% | 3,027 |
| Net charge-offs to loans | 0.3322% | 3,180 |
| Credit loss provision to net charge-offs | 152.3869% | 3,436 |
| Earnings coverage of net charge-offs (x) | 11.5306% | 2,361 |
| Efficiency ratio | 73.3198% | 3,686 |
| Assets per employee ($millions) | 3.4901% | 4,697 |
| Cash dividends to net income (ytd only)* | 75.9640% | 1,905 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1906% | 4,618 |
| Loan loss allowance to noncurrent loans | 329.3201% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.1567% | 6,944 |
| Noncurrent loans to loans | 0.3615% | 6,284 |
| Net loans and leases to total assets | 38.2318% | 7,758 |
| Net loans and leases to deposits | 53.1059% | 7,483 |
| Net loans and leases to core deposits | 58.0000% | 7,665 |
| Total domestic deposits to total assets | 71.9916% | 6,996 |
| Equity capital to assets | 6.7600% | 7,847 |
| Core capital (leverage) ratio | 6.7965% | 7,820 |
| Tier 1 risk-based capital ratio | 10.8840% | 5,830 |
| Total risk-based capital ratio | 11.7359% | 6,106 |
| Memoranda: |
| Average total assets | $8,169,338,200 | 133 |
| Average earning assets | $7,107,080,400 | 136 |
| Average equity | $609,129,400 | 164 |
| Average total loans | $3,373,400,400 | 184 |
