Home > USAA Federal Savings Bank > Performance and Condition Ratios
USAA Federal Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8098% | 2,451 |
| Cost of funding earning assets | 0.8069% | 3,711 |
| Net interest margin | 4.0030% | 1,203 |
| Noninterest income to average assets | 1.6400% | 345 |
| Noninterest expense to average assets | 5.0284% | 227 |
| Loan and lease loss provision to assets | 0.6600% | 120 |
| Net operating income to assets | -0.1856% | 4,456 |
| Return on assets (ROA) | -0.2837% | 4,465 |
| Pretax return on assets | -0.3607% | 4,466 |
| Return on Equity (ROE) | -10.0400% | 4,504 |
| Retained earnings to average equity (ytd only) | -10.0378% | 4,465 |
| Net charge-offs to loans | 1.4692% | 61 |
| Credit loss provision to net charge-offs | 115.2139% | 1,713 |
| Earnings coverage of net charge-offs (x) | 0.7433% | 2,798 |
| Efficiency ratio | 92.2054% | 359 |
| Assets per employee ($millions) | 7.3743% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4609% | 84 |
| Loan loss allowance to noncurrent loans | 329.5745% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.4267% | 1,302 |
| Noncurrent loans to loans | 1.0501% | 704 |
| Net loans and leases to total assets | 39.1500% | 4,066 |
| Net loans and leases to deposits | 44.3691% | 4,094 |
| Net loans and leases to core deposits | 45.6884% | 4,165 |
| Total domestic deposits to total assets | 88.2300% | 1,277 |
| Equity capital to assets | 3.3360% | 4,531 |
| Core capital (leverage) ratio | 8.6109% | 4,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9020% | 940 |
| Memoranda: | ||
| Average total assets | $110,333,600,000 | 29 |
| Average earning assets | $105,222,200,000 | 28 |
| Average equity | $3,118,200,000 | 68 |
| Average total loans | $42,947,600,000 | 37 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7347% | 2,402 |
| Cost of funding earning assets | 0.7425% | 3,668 |
| Net interest margin | 3.9923% | 1,232 |
| Noninterest income to average assets | 1.6400% | 356 |
| Noninterest expense to average assets | 4.8812% | 231 |
| Loan and lease loss provision to assets | 0.5700% | 133 |
| Net operating income to assets | -0.0097% | 4,443 |
| Return on assets (ROA) | -0.0097% | 4,421 |
| Pretax return on assets | -0.0048% | 4,408 |
| Return on Equity (ROE) | -0.3600% | 4,405 |
| Retained earnings to average equity (ytd only) | -0.3583% | 4,190 |
| Net charge-offs to loans | 1.3460% | 67 |
| Credit loss provision to net charge-offs | 108.3916% | 1,560 |
| Earnings coverage of net charge-offs (x) | 1.0909% | 2,547 |
| Efficiency ratio | 89.6162% | 389 |
| Assets per employee ($millions) | 7.8175% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3833% | 89 |
| Loan loss allowance to noncurrent loans | 325.8206% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.4185% | 1,390 |
| Noncurrent loans to loans | 1.0384% | 776 |
| Net loans and leases to total assets | 38.8600% | 4,098 |
| Net loans and leases to deposits | 43.7630% | 4,113 |
| Net loans and leases to core deposits | 44.7622% | 4,158 |
| Total domestic deposits to total assets | 88.7900% | 1,320 |
| Equity capital to assets | 2.8338% | 4,502 |
| Core capital (leverage) ratio | 8.8322% | 3,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6923% | 861 |
| Memoranda: | ||
| Average total assets | $110,324,250,000 | 30 |
| Average earning assets | $105,234,000,000 | 29 |
| Average equity | $2,977,250,000 | 69 |
| Average total loans | $42,495,250,000 | 38 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6331% | 2,344 |
| Cost of funding earning assets | 0.6649% | 3,591 |
| Net interest margin | 3.9683% | 1,301 |
| Noninterest income to average assets | 1.6100% | 302 |
| Noninterest expense to average assets | 5.0026% | 220 |
| Loan and lease loss provision to assets | 0.3900% | 217 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 0.0000% | 4,453 |
| Pretax return on assets | 0.0108% | 4,438 |
| Return on Equity (ROE) | 0.0000% | 4,440 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,069 |
| Net charge-offs to loans | 1.1003% | 81 |
| Credit loss provision to net charge-offs | 87.8788% | 1,517 |
| Earnings coverage of net charge-offs (x) | 0.9567% | 2,390 |
| Efficiency ratio | 92.6037% | 288 |
| Assets per employee ($millions) | 7.4992% | 1,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2936% | 106 |
| Loan loss allowance to noncurrent loans | 325.3425% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.3991% | 1,334 |
| Noncurrent loans to loans | 1.0123% | 745 |
| Net loans and leases to total assets | 38.0400% | 4,112 |
| Net loans and leases to deposits | 42.3985% | 4,150 |
| Net loans and leases to core deposits | 42.9698% | 4,197 |
| Total domestic deposits to total assets | 89.7200% | 1,008 |
| Equity capital to assets | 2.6766% | 4,582 |
| Core capital (leverage) ratio | 8.2972% | 4,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2307% | 923 |
| Memoranda: | ||
| Average total assets | $110,622,666,667 | 30 |
| Average earning assets | $105,587,000,000 | 29 |
| Average equity | $2,936,000,000 | 69 |
| Average total loans | $41,990,333,333 | 38 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5105% | 2,291 |
| Cost of funding earning assets | 0.5327% | 3,586 |
| Net interest margin | 3.9779% | 1,308 |
| Noninterest income to average assets | 1.5300% | 320 |
| Noninterest expense to average assets | 5.0046% | 229 |
| Loan and lease loss provision to assets | 0.4200% | 191 |
| Net operating income to assets | -0.0974% | 4,530 |
| Return on assets (ROA) | -0.0974% | 4,515 |
| Pretax return on assets | -0.1010% | 4,505 |
| Return on Equity (ROE) | -3.6800% | 4,535 |
| Retained earnings to average equity (ytd only) | -3.6835% | 4,276 |
| Net charge-offs to loans | 1.0253% | 77 |
| Credit loss provision to net charge-offs | 96.2264% | 1,153 |
| Earnings coverage of net charge-offs (x) | 0.8302% | 1,995 |
| Efficiency ratio | 94.0379% | 259 |
| Assets per employee ($millions) | 7.4207% | 1,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4702% | 90 |
| Loan loss allowance to noncurrent loans | 323.4375% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.4046% | 1,276 |
| Noncurrent loans to loans | 1.0729% | 668 |
| Net loans and leases to total assets | 36.3200% | 4,179 |
| Net loans and leases to deposits | 39.1960% | 4,248 |
| Net loans and leases to core deposits | 39.5766% | 4,281 |
| Total domestic deposits to total assets | 92.6600% | 362 |
| Equity capital to assets | 2.6204% | 4,614 |
| Core capital (leverage) ratio | 8.3223% | 4,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3933% | 930 |
| Memoranda: | ||
| Average total assets | $110,938,500,000 | 31 |
| Average earning assets | $105,885,500,000 | 31 |
| Average equity | $2,932,000,000 | 70 |
| Average total loans | $41,352,500,000 | 41 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0401% | 1,615 |
| Cost of funding earning assets | 0.1559% | 4,093 |
| Net interest margin | 3.8842% | 992 |
| Noninterest income to average assets | 1.8700% | 274 |
| Noninterest expense to average assets | 5.1369% | 206 |
| Loan and lease loss provision to assets | 0.2600% | 356 |
| Net operating income to assets | 0.0864% | 4,517 |
| Return on assets (ROA) | 0.1680% | 4,449 |
| Pretax return on assets | 0.2301% | 4,420 |
| Return on Equity (ROE) | 3.8800% | 4,178 |
| Retained earnings to average equity (ytd only) | 3.8803% | 3,437 |
| Net charge-offs to loans | 0.7375% | 94 |
| Credit loss provision to net charge-offs | 103.4483% | 1,532 |
| Earnings coverage of net charge-offs (x) | 1.5345% | 2,536 |
| Efficiency ratio | 92.9555% | 242 |
| Assets per employee ($millions) | 7.2974% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8559% | 589 |
| Loan loss allowance to noncurrent loans | 175.1152% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.3923% | 1,303 |
| Noncurrent loans to loans | 1.0598% | 679 |
| Net loans and leases to total assets | 36.2500% | 4,203 |
| Net loans and leases to deposits | 39.3803% | 4,265 |
| Net loans and leases to core deposits | 39.5980% | 4,288 |
| Total domestic deposits to total assets | 92.0400% | 630 |
| Equity capital to assets | 2.7136% | 4,620 |
| Core capital (leverage) ratio | 8.5388% | 4,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5571% | 887 |
| Memoranda: | ||
| Average total assets | $114,310,540,200 | 33 |
| Average earning assets | $107,744,034,800 | 33 |
| Average equity | $4,948,014,800 | 52 |
| Average total loans | $39,324,555,000 | 44 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7662% | 1,846 |
| Cost of funding earning assets | 0.0752% | 4,457 |
| Net interest margin | 3.6910% | 1,161 |
| Noninterest income to average assets | 1.9000% | 284 |
| Noninterest expense to average assets | 5.0499% | 212 |
| Loan and lease loss provision to assets | 0.2300% | 365 |
| Net operating income to assets | 0.0475% | 4,569 |
| Return on assets (ROA) | 0.2350% | 4,404 |
| Pretax return on assets | 0.3276% | 4,351 |
| Return on Equity (ROE) | 4.9800% | 3,983 |
| Retained earnings to average equity (ytd only) | 4.9820% | 3,110 |
| Net charge-offs to loans | 0.6783% | 84 |
| Credit loss provision to net charge-offs | 101.0101% | 1,314 |
| Earnings coverage of net charge-offs (x) | 1.4040% | 2,273 |
| Efficiency ratio | 94.0086% | 229 |
| Assets per employee ($millions) | 6.9925% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8724% | 634 |
| Loan loss allowance to noncurrent loans | 176.1124% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.3876% | 1,401 |
| Noncurrent loans to loans | 1.0632% | 709 |
| Net loans and leases to total assets | 35.6900% | 4,240 |
| Net loans and leases to deposits | 38.0477% | 4,301 |
| Net loans and leases to core deposits | 38.2071% | 4,339 |
| Total domestic deposits to total assets | 93.8100% | 391 |
| Equity capital to assets | 2.4760% | 4,631 |
| Core capital (leverage) ratio | 8.3763% | 4,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1883% | 835 |
| Memoranda: | ||
| Average total assets | $115,167,175,250 | 33 |
| Average earning assets | $108,223,793,500 | 33 |
| Average equity | $5,432,768,500 | 50 |
| Average total loans | $38,918,193,750 | 46 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6593% | 1,656 |
| Cost of funding earning assets | 0.0513% | 4,591 |
| Net interest margin | 3.6080% | 1,053 |
| Noninterest income to average assets | 1.9032% | 247 |
| Noninterest expense to average assets | 4.9096% | 177 |
| Loan and lease loss provision to assets | 0.2176% | 362 |
| Net operating income to assets | 0.1067% | 4,507 |
| Return on assets (ROA) | 0.3923% | 4,073 |
| Pretax return on assets | 0.5105% | 3,978 |
| Return on Equity (ROE) | 7.2327% | 3,242 |
| Retained earnings to average equity (ytd only) | 7.2327% | 1,905 |
| Net charge-offs to loans | 0.6960% | 87 |
| Credit loss provision to net charge-offs | 94.7761% | 1,324 |
| Earnings coverage of net charge-offs (x) | 1.5970% | 2,064 |
| Efficiency ratio | 93.0519% | 322 |
| Assets per employee ($millions) | 7.3265% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9251% | 630 |
| Loan loss allowance to noncurrent loans | 122.7869% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.5344% | 1,062 |
| Noncurrent loans to loans | 1.5678% | 469 |
| Net loans and leases to total assets | 33.3176% | 4,355 |
| Net loans and leases to deposits | 35.6884% | 4,400 |
| Net loans and leases to core deposits | 35.8315% | 4,444 |
| Total domestic deposits to total assets | 93.3571% | 421 |
| Equity capital to assets | 3.6550% | 4,655 |
| Core capital (leverage) ratio | 8.1650% | 4,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8081% | 1,022 |
| Memoranda: | ||
| Average total assets | $116,749,900,333 | 33 |
| Average earning assets | $109,147,724,667 | 33 |
| Average equity | $6,332,358,000 | 47 |
| Average total loans | $38,503,258,333 | 44 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1811% | 2,744 |
| Cost of funding earning assets | 0.0503% | 4,601 |
| Net interest margin | 3.1309% | 2,081 |
| Noninterest income to average assets | 1.9990% | 239 |
| Noninterest expense to average assets | 4.5952% | 196 |
| Loan and lease loss provision to assets | 0.2240% | 315 |
| Net operating income to assets | 0.0991% | 4,470 |
| Return on assets (ROA) | 0.1018% | 4,439 |
| Pretax return on assets | 0.1425% | 4,402 |
| Return on Equity (ROE) | 1.6204% | 4,323 |
| Retained earnings to average equity (ytd only) | 1.6204% | 3,652 |
| Net charge-offs to loans | 0.6371% | 106 |
| Credit loss provision to net charge-offs | 108.1967% | 971 |
| Earnings coverage of net charge-offs (x) | 1.7541% | 1,726 |
| Efficiency ratio | 92.6762% | 434 |
| Assets per employee ($millions) | 7.4201% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0117% | 603 |
| Loan loss allowance to noncurrent loans | 96.3291% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.6692% | 868 |
| Noncurrent loans to loans | 2.0884% | 338 |
| Net loans and leases to total assets | 31.3217% | 4,407 |
| Net loans and leases to deposits | 33.6090% | 4,449 |
| Net loans and leases to core deposits | 36.6633% | 4,410 |
| Total domestic deposits to total assets | 93.1944% | 227 |
| Equity capital to assets | 4.9272% | 4,728 |
| Core capital (leverage) ratio | 7.9605% | 4,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2254% | 1,014 |
| Memoranda: | ||
| Average total assets | $117,860,850,500 | 33 |
| Average earning assets | $111,407,087,000 | 32 |
| Average equity | $7,405,537,000 | 43 |
| Average total loans | $38,301,387,500 | 43 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1569% | 3,570 |
| Cost of funding earning assets | 0.0700% | 4,592 |
| Net interest margin | 3.0870% | 2,950 |
| Noninterest income to average assets | 1.8273% | 362 |
| Noninterest expense to average assets | 5.2710% | 160 |
| Loan and lease loss provision to assets | -0.1169% | 4,572 |
| Net operating income to assets | -0.3377% | 4,740 |
| Return on assets (ROA) | -0.3326% | 4,745 |
| Pretax return on assets | -0.3980% | 4,753 |
| Return on Equity (ROE) | -4.1449% | 4,767 |
| Retained earnings to average equity (ytd only) | -4.1449% | 4,686 |
| Net charge-offs to loans | 0.6877% | 112 |
| Credit loss provision to net charge-offs | -49.9757% | 3,256 |
| Earnings coverage of net charge-offs (x) | -2.2269% | 2,666 |
| Efficiency ratio | 110.9712% | 93 |
| Assets per employee ($millions) | 6.9889% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9484% | 663 |
| Loan loss allowance to noncurrent loans | 52.1782% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 1.2349% | 391 |
| Noncurrent loans to loans | 3.7342% | 123 |
| Net loans and leases to total assets | 32.3903% | 4,432 |
| Net loans and leases to deposits | 36.1845% | 4,470 |
| Net loans and leases to core deposits | 39.5256% | 4,406 |
| Total domestic deposits to total assets | 89.5142% | 1,228 |
| Equity capital to assets | 7.6505% | 4,531 |
| Core capital (leverage) ratio | 8.0863% | 4,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7574% | 930 |
| Memoranda: | ||
| Average total assets | $116,201,441,800 | 30 |
| Average earning assets | $110,010,499,800 | 30 |
| Average equity | $9,324,296,400 | 34 |
| Average total loans | $39,540,128,800 | 40 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1810% | 3,636 |
| Cost of funding earning assets | 0.0754% | 4,658 |
| Net interest margin | 3.1056% | 3,043 |
| Noninterest income to average assets | 1.8157% | 393 |
| Noninterest expense to average assets | 5.2069% | 162 |
| Loan and lease loss provision to assets | -0.1853% | 4,735 |
| Net operating income to assets | -0.2287% | 4,801 |
| Return on assets (ROA) | -0.2234% | 4,807 |
| Pretax return on assets | -0.2793% | 4,813 |
| Return on Equity (ROE) | -2.7520% | 4,816 |
| Retained earnings to average equity (ytd only) | -2.7520% | 4,733 |
| Net charge-offs to loans | 0.6857% | 114 |
| Credit loss provision to net charge-offs | -78.8342% | 3,201 |
| Earnings coverage of net charge-offs (x) | -2.0046% | 2,426 |
| Efficiency ratio | 109.9495% | 104 |
| Assets per employee ($millions) | 7.3919% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0725% | 566 |
| Loan loss allowance to noncurrent loans | 50.5821% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.3456% | 412 |
| Noncurrent loans to loans | 4.0973% | 125 |
| Net loans and leases to total assets | 32.1323% | 4,537 |
| Net loans and leases to deposits | 36.5168% | 4,562 |
| Net loans and leases to core deposits | 40.0421% | 4,510 |
| Total domestic deposits to total assets | 87.9933% | 1,850 |
| Equity capital to assets | 8.0666% | 4,488 |
| Core capital (leverage) ratio | 8.3886% | 4,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0050% | 957 |
| Memoranda: | ||
| Average total assets | $115,907,127,000 | 30 |
| Average earning assets | $108,979,331,250 | 30 |
| Average equity | $9,410,352,000 | 35 |
| Average total loans | $39,731,467,250 | 41 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2013% | 3,680 |
| Cost of funding earning assets | 0.0830% | 4,683 |
| Net interest margin | 3.1183% | 2,988 |
| Noninterest income to average assets | 1.7877% | 393 |
| Noninterest expense to average assets | 5.1440% | 168 |
| Loan and lease loss provision to assets | -0.1947% | 4,750 |
| Net operating income to assets | -0.1865% | 4,828 |
| Return on assets (ROA) | -0.1831% | 4,833 |
| Pretax return on assets | -0.2133% | 4,834 |
| Return on Equity (ROE) | -2.2503% | 4,845 |
| Retained earnings to average equity (ytd only) | -2.2503% | 4,680 |
| Net charge-offs to loans | 0.7856% | 104 |
| Credit loss provision to net charge-offs | -71.2822% | 3,016 |
| Earnings coverage of net charge-offs (x) | -1.5083% | 2,213 |
| Efficiency ratio | 108.7074% | 105 |
| Assets per employee ($millions) | 7.1941% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2844% | 376 |
| Loan loss allowance to noncurrent loans | 49.1412% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.5737% | 341 |
| Noncurrent loans to loans | 4.6486% | 98 |
| Net loans and leases to total assets | 33.0443% | 4,561 |
| Net loans and leases to deposits | 37.7577% | 4,587 |
| Net loans and leases to core deposits | 41.4918% | 4,536 |
| Total domestic deposits to total assets | 87.5166% | 2,087 |
| Equity capital to assets | 8.5401% | 4,169 |
| Core capital (leverage) ratio | 8.3688% | 4,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1937% | 928 |
| Memoranda: | ||
| Average total assets | $115,432,191,000 | 30 |
| Average earning assets | $108,991,677,333 | 30 |
| Average equity | $9,392,235,667 | 34 |
| Average total loans | $40,142,171,667 | 40 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1986% | 3,694 |
| Cost of funding earning assets | 0.0930% | 4,689 |
| Net interest margin | 3.1056% | 2,966 |
| Noninterest income to average assets | 1.6933% | 496 |
| Noninterest expense to average assets | 5.1472% | 166 |
| Loan and lease loss provision to assets | -0.1504% | 4,775 |
| Net operating income to assets | -0.2736% | 4,859 |
| Return on assets (ROA) | -0.2736% | 4,863 |
| Pretax return on assets | -0.3574% | 4,870 |
| Return on Equity (ROE) | -3.4477% | 4,884 |
| Retained earnings to average equity (ytd only) | -3.4477% | 4,624 |
| Net charge-offs to loans | 0.8820% | 89 |
| Credit loss provision to net charge-offs | -48.3560% | 2,758 |
| Earnings coverage of net charge-offs (x) | -1.6330% | 1,906 |
| Efficiency ratio | 110.9451% | 105 |
| Assets per employee ($millions) | 7.8862% | 1,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5912% | 229 |
| Loan loss allowance to noncurrent loans | 48.9064% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 1.7325% | 330 |
| Noncurrent loans to loans | 5.2984% | 69 |
| Net loans and leases to total assets | 31.8206% | 4,636 |
| Net loans and leases to deposits | 37.8013% | 4,629 |
| Net loans and leases to core deposits | 41.6770% | 4,574 |
| Total domestic deposits to total assets | 84.1786% | 3,379 |
| Equity capital to assets | 7.6052% | 4,675 |
| Core capital (leverage) ratio | 8.8369% | 3,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1877% | 896 |
| Memoranda: | ||
| Average total assets | $115,332,697,000 | 30 |
| Average earning assets | $109,411,226,500 | 30 |
| Average equity | $9,150,821,500 | 35 |
| Average total loans | $40,661,879,000 | 40 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1109% | 2,390 |
| Cost of funding earning assets | 0.1992% | 4,586 |
| Net interest margin | 3.9118% | 1,180 |
| Noninterest income to average assets | 2.3591% | 264 |
| Noninterest expense to average assets | 5.6314% | 147 |
| Loan and lease loss provision to assets | 0.9369% | 115 |
| Net operating income to assets | -0.4415% | 4,871 |
| Return on assets (ROA) | -0.2592% | 4,842 |
| Pretax return on assets | -0.3064% | 4,847 |
| Return on Equity (ROE) | -2.7965% | 4,860 |
| Retained earnings to average equity (ytd only) | -3.0282% | 4,764 |
| Net charge-offs to loans | 1.2255% | 96 |
| Credit loss provision to net charge-offs | 167.8995% | 2,331 |
| Earnings coverage of net charge-offs (x) | 0.7455% | 3,304 |
| Efficiency ratio | 93.1213% | 289 |
| Assets per employee ($millions) | 6.4524% | 1,949 |
| Cash dividends to net income (ytd only)* | -8.2848% | 4,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7989% | 184 |
| Loan loss allowance to noncurrent loans | 49.8484% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 2.1436% | 250 |
| Noncurrent loans to loans | 5.6149% | 65 |
| Net loans and leases to total assets | 37.0876% | 4,559 |
| Net loans and leases to deposits | 42.7756% | 4,565 |
| Net loans and leases to core deposits | 47.2601% | 4,507 |
| Total domestic deposits to total assets | 86.7026% | 2,075 |
| Equity capital to assets | 8.3642% | 4,546 |
| Core capital (leverage) ratio | 7.8043% | 4,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6868% | 1,350 |
| Memoranda: | ||
| Average total assets | $99,392,667,000 | 31 |
| Average earning assets | $93,715,830,200 | 31 |
| Average equity | $9,212,610,200 | 35 |
| Average total loans | $45,256,683,400 | 35 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2924% | 2,126 |
| Cost of funding earning assets | 0.2281% | 4,579 |
| Net interest margin | 4.0642% | 962 |
| Noninterest income to average assets | 2.5749% | 227 |
| Noninterest expense to average assets | 5.4853% | 157 |
| Loan and lease loss provision to assets | 1.3854% | 68 |
| Net operating income to assets | -0.3732% | 4,876 |
| Return on assets (ROA) | -0.1417% | 4,836 |
| Pretax return on assets | -0.1872% | 4,834 |
| Return on Equity (ROE) | -1.4881% | 4,849 |
| Retained earnings to average equity (ytd only) | -1.7961% | 4,689 |
| Net charge-offs to loans | 1.4010% | 85 |
| Credit loss provision to net charge-offs | 207.7350% | 2,083 |
| Earnings coverage of net charge-offs (x) | 1.3573% | 3,075 |
| Efficiency ratio | 85.8355% | 510 |
| Assets per employee ($millions) | 6.4273% | 1,890 |
| Cash dividends to net income (ytd only)* | -20.7016% | 4,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0016% | 137 |
| Loan loss allowance to noncurrent loans | 63.0838% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 2.0163% | 325 |
| Noncurrent loans to loans | 4.7582% | 119 |
| Net loans and leases to total assets | 41.0724% | 4,531 |
| Net loans and leases to deposits | 48.0505% | 4,550 |
| Net loans and leases to core deposits | 53.2757% | 4,482 |
| Total domestic deposits to total assets | 85.4775% | 2,255 |
| Equity capital to assets | 9.1003% | 4,032 |
| Core capital (leverage) ratio | 8.2099% | 4,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8395% | 1,292 |
| Memoranda: | ||
| Average total assets | $97,008,357,500 | 33 |
| Average earning assets | $91,073,050,250 | 31 |
| Average equity | $9,237,978,000 | 35 |
| Average total loans | $46,180,154,750 | 35 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4896% | 1,946 |
| Cost of funding earning assets | 0.2655% | 4,577 |
| Net interest margin | 4.2241% | 874 |
| Noninterest income to average assets | 2.8457% | 177 |
| Noninterest expense to average assets | 5.2321% | 171 |
| Loan and lease loss provision to assets | 1.9953% | 54 |
| Net operating income to assets | -0.3775% | 4,899 |
| Return on assets (ROA) | 0.0714% | 4,742 |
| Pretax return on assets | 0.0378% | 4,765 |
| Return on Equity (ROE) | 0.7378% | 4,719 |
| Retained earnings to average equity (ytd only) | 0.2734% | 4,254 |
| Net charge-offs to loans | 1.5701% | 85 |
| Credit loss provision to net charge-offs | 256.6841% | 1,734 |
| Earnings coverage of net charge-offs (x) | 2.0380% | 2,809 |
| Efficiency ratio | 75.2919% | 1,337 |
| Assets per employee ($millions) | 6.9468% | 1,465 |
| Cash dividends to net income (ytd only)* | 62.9412% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0168% | 134 |
| Loan loss allowance to noncurrent loans | 104.4364% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 1.2982% | 804 |
| Noncurrent loans to loans | 2.8886% | 356 |
| Net loans and leases to total assets | 43.5249% | 4,477 |
| Net loans and leases to deposits | 50.9207% | 4,494 |
| Net loans and leases to core deposits | 56.5627% | 4,415 |
| Total domestic deposits to total assets | 85.4758% | 2,218 |
| Equity capital to assets | 9.5500% | 3,613 |
| Core capital (leverage) ratio | 8.4995% | 4,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0534% | 1,238 |
| Memoranda: | ||
| Average total assets | $95,001,246,333 | 33 |
| Average earning assets | $89,300,521,333 | 31 |
| Average equity | $9,191,981,333 | 35 |
| Average total loans | $47,031,448,000 | 34 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9346% | 1,104 |
| Cost of funding earning assets | 0.3110% | 4,621 |
| Net interest margin | 4.6235% | 392 |
| Noninterest income to average assets | 3.1338% | 146 |
| Noninterest expense to average assets | 5.2497% | 194 |
| Loan and lease loss provision to assets | 2.1830% | 60 |
| Net operating income to assets | 0.0482% | 4,713 |
| Return on assets (ROA) | 0.6426% | 3,531 |
| Pretax return on assets | 0.8195% | 3,360 |
| Return on Equity (ROE) | 6.5944% | 3,099 |
| Retained earnings to average equity (ytd only) | 5.6430% | 2,021 |
| Net charge-offs to loans | 1.6901% | 90 |
| Credit loss provision to net charge-offs | 248.2049% | 1,299 |
| Earnings coverage of net charge-offs (x) | 2.5583% | 2,274 |
| Efficiency ratio | 68.5712% | 2,577 |
| Assets per employee ($millions) | 6.7644% | 1,194 |
| Cash dividends to net income (ytd only)* | 14.4286% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3309% | 316 |
| Loan loss allowance to noncurrent loans | 175.9241% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6500% | 2,049 |
| Noncurrent loans to loans | 1.3249% | 1,224 |
| Net loans and leases to total assets | 47.7661% | 4,349 |
| Net loans and leases to deposits | 55.2297% | 4,393 |
| Net loans and leases to core deposits | 61.7175% | 4,282 |
| Total domestic deposits to total assets | 86.4863% | 1,788 |
| Equity capital to assets | 10.1520% | 3,649 |
| Core capital (leverage) ratio | 9.3863% | 4,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0400% | 1,338 |
| Memoranda: | ||
| Average total assets | $92,082,208,000 | 33 |
| Average earning assets | $86,952,825,000 | 32 |
| Average equity | $8,972,879,000 | 35 |
| Average total loans | $47,919,443,000 | 34 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2827% | 846 |
| Cost of funding earning assets | 0.3526% | 4,588 |
| Net interest margin | 4.9301% | 308 |
| Noninterest income to average assets | 2.8844% | 159 |
| Noninterest expense to average assets | 5.7212% | 151 |
| Loan and lease loss provision to assets | 0.8228% | 123 |
| Net operating income to assets | 0.7414% | 3,728 |
| Return on assets (ROA) | 0.8315% | 3,539 |
| Pretax return on assets | 1.1101% | 3,132 |
| Return on Equity (ROE) | 8.6501% | 2,890 |
| Retained earnings to average equity (ytd only) | 5.0341% | 2,394 |
| Net charge-offs to loans | 1.4616% | 99 |
| Credit loss provision to net charge-offs | 101.8303% | 2,434 |
| Earnings coverage of net charge-offs (x) | 2.2511% | 3,438 |
| Efficiency ratio | 73.9347% | 1,612 |
| Assets per employee ($millions) | 6.6474% | 1,212 |
| Cash dividends to net income (ytd only)* | 41.8038% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5986% | 981 |
| Loan loss allowance to noncurrent loans | 119.8793% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.7416% | 1,748 |
| Noncurrent loans to loans | 1.3335% | 1,123 |
| Net loans and leases to total assets | 54.5368% | 4,045 |
| Net loans and leases to deposits | 62.3001% | 4,177 |
| Net loans and leases to core deposits | 69.7660% | 3,972 |
| Total domestic deposits to total assets | 87.5388% | 1,349 |
| Equity capital to assets | 9.4328% | 4,402 |
| Core capital (leverage) ratio | 9.6126% | 3,947 |
| Tier 1 risk-based capital ratio | 15.2203% | 2,690 |
| Total risk-based capital ratio | 16.4741% | 2,625 |
| Memoranda: | ||
| Average total assets | $86,437,830,200 | 33 |
| Average earning assets | $81,626,355,800 | 31 |
| Average equity | $8,308,759,400 | 35 |
| Average total loans | $47,785,369,200 | 33 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3993% | 696 |
| Cost of funding earning assets | 0.3543% | 4,640 |
| Net interest margin | 5.0450% | 263 |
| Noninterest income to average assets | 2.9578% | 158 |
| Noninterest expense to average assets | 5.4085% | 167 |
| Loan and lease loss provision to assets | 0.8105% | 127 |
| Net operating income to assets | 1.1235% | 2,481 |
| Return on assets (ROA) | 1.2417% | 2,124 |
| Pretax return on assets | 1.6291% | 1,530 |
| Return on Equity (ROE) | 12.8560% | 1,335 |
| Retained earnings to average equity (ytd only) | 9.2814% | 966 |
| Net charge-offs to loans | 1.4177% | 95 |
| Credit loss provision to net charge-offs | 103.4791% | 2,184 |
| Earnings coverage of net charge-offs (x) | 2.9237% | 3,152 |
| Efficiency ratio | 68.2913% | 2,368 |
| Assets per employee ($millions) | 7.9483% | 704 |
| Cash dividends to net income (ytd only)* | 27.8051% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6338% | 937 |
| Loan loss allowance to noncurrent loans | 126.8144% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.7072% | 1,935 |
| Noncurrent loans to loans | 1.2884% | 1,203 |
| Net loans and leases to total assets | 53.8221% | 4,196 |
| Net loans and leases to deposits | 62.6943% | 4,253 |
| Net loans and leases to core deposits | 70.3906% | 4,039 |
| Total domestic deposits to total assets | 85.8485% | 2,058 |
| Equity capital to assets | 9.8391% | 4,172 |
| Core capital (leverage) ratio | 9.9570% | 3,685 |
| Tier 1 risk-based capital ratio | 15.5053% | 2,639 |
| Total risk-based capital ratio | 16.7592% | 2,575 |
| Memoranda: | ||
| Average total assets | $85,848,392,250 | 34 |
| Average earning assets | $80,668,218,750 | 33 |
| Average equity | $8,291,978,750 | 36 |
| Average total loans | $47,428,457,750 | 34 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3721% | 711 |
| Cost of funding earning assets | 0.3442% | 4,701 |
| Net interest margin | 5.0279% | 277 |
| Noninterest income to average assets | 2.7349% | 177 |
| Noninterest expense to average assets | 5.2763% | 178 |
| Loan and lease loss provision to assets | 0.7775% | 134 |
| Net operating income to assets | 1.0851% | 2,584 |
| Return on assets (ROA) | 1.0851% | 2,649 |
| Pretax return on assets | 1.4331% | 2,093 |
| Return on Equity (ROE) | 11.3074% | 1,868 |
| Retained earnings to average equity (ytd only) | 7.6219% | 1,551 |
| Net charge-offs to loans | 1.4398% | 83 |
| Credit loss provision to net charge-offs | 97.4213% | 2,041 |
| Earnings coverage of net charge-offs (x) | 2.7698% | 2,904 |
| Efficiency ratio | 68.3706% | 2,473 |
| Assets per employee ($millions) | 12.4460% | 182 |
| Cash dividends to net income (ytd only)* | 32.5939% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6020% | 1,023 |
| Loan loss allowance to noncurrent loans | 131.8650% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.6715% | 2,040 |
| Noncurrent loans to loans | 1.2149% | 1,316 |
| Net loans and leases to total assets | 54.2105% | 4,194 |
| Net loans and leases to deposits | 61.8239% | 4,339 |
| Net loans and leases to core deposits | 68.3901% | 4,189 |
| Total domestic deposits to total assets | 87.6853% | 1,251 |
| Equity capital to assets | 9.7248% | 4,214 |
| Core capital (leverage) ratio | 9.8147% | 3,809 |
| Tier 1 risk-based capital ratio | 15.6089% | 2,583 |
| Total risk-based capital ratio | 16.8629% | 2,511 |
| Memoranda: | ||
| Average total assets | $84,952,315,670 | 34 |
| Average earning assets | $80,291,439,330 | 33 |
| Average equity | $8,152,238,670 | 36 |
| Average total loans | $47,090,011,000 | 34 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3223% | 725 |
| Cost of funding earning assets | 0.3286% | 4,743 |
| Net interest margin | 4.9937% | 283 |
| Noninterest income to average assets | 2.4212% | 193 |
| Noninterest expense to average assets | 5.0209% | 204 |
| Loan and lease loss provision to assets | 0.8329% | 112 |
| Net operating income to assets | 0.9890% | 2,891 |
| Return on assets (ROA) | 0.9890% | 2,928 |
| Pretax return on assets | 1.3216% | 2,372 |
| Return on Equity (ROE) | 10.3778% | 2,203 |
| Retained earnings to average equity (ytd only) | 6.7805% | 2,122 |
| Net charge-offs to loans | 1.4684% | 84 |
| Credit loss provision to net charge-offs | 102.0071% | 1,553 |
| Earnings coverage of net charge-offs (x) | 2.6387% | 2,476 |
| Efficiency ratio | 67.6433% | 2,690 |
| Assets per employee ($millions) | 12.7906% | 171 |
| Cash dividends to net income (ytd only)* | 34.6635% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6800% | 901 |
| Loan loss allowance to noncurrent loans | 126.3657% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.7124% | 1,975 |
| Noncurrent loans to loans | 1.3295% | 1,227 |
| Net loans and leases to total assets | 52.5236% | 4,303 |
| Net loans and leases to deposits | 59.5035% | 4,440 |
| Net loans and leases to core deposits | 65.5646% | 4,299 |
| Total domestic deposits to total assets | 88.2699% | 1,209 |
| Equity capital to assets | 9.3657% | 4,368 |
| Core capital (leverage) ratio | 9.9348% | 3,674 |
| Tier 1 risk-based capital ratio | 15.8602% | 2,505 |
| Total risk-based capital ratio | 17.1151% | 2,434 |
| Memoranda: | ||
| Average total assets | $84,110,289,500 | 35 |
| Average earning assets | $80,076,768,000 | 34 |
| Average equity | $8,015,741,500 | 37 |
| Average total loans | $46,769,706,500 | 35 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0818% | 886 |
| Cost of funding earning assets | 0.1969% | 5,017 |
| Net interest margin | 4.8849% | 328 |
| Noninterest income to average assets | 2.7777% | 168 |
| Noninterest expense to average assets | 5.1070% | 193 |
| Loan and lease loss provision to assets | 0.7322% | 137 |
| Net operating income to assets | 1.2741% | 1,898 |
| Return on assets (ROA) | 1.2741% | 1,895 |
| Pretax return on assets | 1.6364% | 1,356 |
| Return on Equity (ROE) | 13.8128% | 1,090 |
| Retained earnings to average equity (ytd only) | 9.5439% | 726 |
| Net charge-offs to loans | 1.4260% | 81 |
| Credit loss provision to net charge-offs | 89.5611% | 2,726 |
| Earnings coverage of net charge-offs (x) | 2.8972% | 3,480 |
| Efficiency ratio | 66.5781% | 2,772 |
| Assets per employee ($millions) | 12.3304% | 180 |
| Cash dividends to net income (ytd only)* | 30.9055% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6374% | 950 |
| Loan loss allowance to noncurrent loans | 128.6085% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.7400% | 1,879 |
| Noncurrent loans to loans | 1.2732% | 1,251 |
| Net loans and leases to total assets | 56.9751% | 4,052 |
| Net loans and leases to deposits | 64.6361% | 4,214 |
| Net loans and leases to core deposits | 70.9658% | 4,059 |
| Total domestic deposits to total assets | 88.1475% | 1,237 |
| Equity capital to assets | 9.7045% | 3,945 |
| Core capital (leverage) ratio | 9.9612% | 3,628 |
| Tier 1 risk-based capital ratio | 15.4771% | 2,632 |
| Total risk-based capital ratio | 16.7318% | 2,553 |
| Memoranda: | ||
| Average total assets | $82,067,319,200 | 35 |
| Average earning assets | $78,926,277,200 | 34 |
| Average equity | $7,569,883,400 | 38 |
| Average total loans | $47,049,547,200 | 34 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0201% | 909 |
| Cost of funding earning assets | 0.1673% | 5,157 |
| Net interest margin | 4.8528% | 338 |
| Noninterest income to average assets | 2.8634% | 169 |
| Noninterest expense to average assets | 5.0139% | 201 |
| Loan and lease loss provision to assets | 0.6705% | 149 |
| Net operating income to assets | 1.4001% | 1,493 |
| Return on assets (ROA) | 1.4001% | 1,490 |
| Pretax return on assets | 1.8352% | 933 |
| Return on Equity (ROE) | 15.3780% | 810 |
| Retained earnings to average equity (ytd only) | 11.1133% | 626 |
| Net charge-offs to loans | 1.4102% | 86 |
| Credit loss provision to net charge-offs | 83.1512% | 2,499 |
| Earnings coverage of net charge-offs (x) | 3.1073% | 3,190 |
| Efficiency ratio | 65.0563% | 3,026 |
| Assets per employee ($millions) | 11.9192% | 200 |
| Cash dividends to net income (ytd only)* | 27.7326% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6037% | 1,074 |
| Loan loss allowance to noncurrent loans | 132.3798% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.7023% | 2,097 |
| Noncurrent loans to loans | 1.2114% | 1,398 |
| Net loans and leases to total assets | 56.7760% | 4,153 |
| Net loans and leases to deposits | 64.5703% | 4,302 |
| Net loans and leases to core deposits | 71.0049% | 4,128 |
| Total domestic deposits to total assets | 87.9290% | 1,265 |
| Equity capital to assets | 9.4471% | 4,128 |
| Core capital (leverage) ratio | 9.7745% | 3,870 |
| Tier 1 risk-based capital ratio | 15.0762% | 2,846 |
| Total risk-based capital ratio | 16.3303% | 2,770 |
| Memoranda: | ||
| Average total assets | $82,183,444,500 | 35 |
| Average earning assets | $78,852,457,000 | 34 |
| Average equity | $7,482,565,750 | 38 |
| Average total loans | $46,995,126,500 | 34 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8662% | 1,092 |
| Cost of funding earning assets | 0.1657% | 5,176 |
| Net interest margin | 4.7005% | 433 |
| Noninterest income to average assets | 2.9170% | 170 |
| Noninterest expense to average assets | 4.8742% | 227 |
| Loan and lease loss provision to assets | 0.6581% | 150 |
| Net operating income to assets | 1.4849% | 1,190 |
| Return on assets (ROA) | 1.4849% | 1,191 |
| Pretax return on assets | 1.9398% | 702 |
| Return on Equity (ROE) | 16.5159% | 582 |
| Retained earnings to average equity (ytd only) | 12.1429% | 500 |
| Net charge-offs to loans | 1.4498% | 85 |
| Credit loss provision to net charge-offs | 79.6256% | 2,262 |
| Earnings coverage of net charge-offs (x) | 3.1431% | 2,909 |
| Efficiency ratio | 63.6353% | 3,369 |
| Assets per employee ($millions) | 11.4687% | 219 |
| Cash dividends to net income (ytd only)* | 26.4777% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6479% | 997 |
| Loan loss allowance to noncurrent loans | 134.7280% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.6997% | 2,131 |
| Noncurrent loans to loans | 1.2232% | 1,414 |
| Net loans and leases to total assets | 56.0134% | 4,166 |
| Net loans and leases to deposits | 63.3651% | 4,327 |
| Net loans and leases to core deposits | 70.5058% | 4,118 |
| Total domestic deposits to total assets | 88.3979% | 1,184 |
| Equity capital to assets | 9.2134% | 4,369 |
| Core capital (leverage) ratio | 9.4351% | 4,193 |
| Tier 1 risk-based capital ratio | 15.1215% | 2,812 |
| Total risk-based capital ratio | 16.3765% | 2,738 |
| Memoranda: | ||
| Average total assets | $82,191,584,670 | 34 |
| Average earning assets | $79,648,418,330 | 33 |
| Average equity | $7,389,540,000 | 39 |
| Average total loans | $46,857,884,670 | 34 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8316% | 1,009 |
| Cost of funding earning assets | 0.1657% | 5,184 |
| Net interest margin | 4.6659% | 433 |
| Noninterest income to average assets | 2.8312% | 167 |
| Noninterest expense to average assets | 4.8839% | 231 |
| Loan and lease loss provision to assets | 0.7075% | 136 |
| Net operating income to assets | 1.3336% | 1,529 |
| Return on assets (ROA) | 1.3336% | 1,542 |
| Pretax return on assets | 1.7597% | 984 |
| Return on Equity (ROE) | 15.0208% | 802 |
| Retained earnings to average equity (ytd only) | 10.7489% | 954 |
| Net charge-offs to loans | 1.5227% | 91 |
| Credit loss provision to net charge-offs | 81.4530% | 1,735 |
| Earnings coverage of net charge-offs (x) | 2.8405% | 2,431 |
| Efficiency ratio | 64.9996% | 3,317 |
| Assets per employee ($millions) | 11.7473% | 202 |
| Cash dividends to net income (ytd only)* | 28.4398% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7606% | 846 |
| Loan loss allowance to noncurrent loans | 134.7819% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.7236% | 2,148 |
| Noncurrent loans to loans | 1.3062% | 1,367 |
| Net loans and leases to total assets | 54.1934% | 4,268 |
| Net loans and leases to deposits | 61.1698% | 4,386 |
| Net loans and leases to core deposits | 68.2412% | 4,204 |
| Total domestic deposits to total assets | 88.5951% | 1,310 |
| Equity capital to assets | 8.8182% | 4,725 |
| Core capital (leverage) ratio | 9.3240% | 4,288 |
| Tier 1 risk-based capital ratio | 14.9347% | 2,892 |
| Total risk-based capital ratio | 16.1910% | 2,824 |
| Memoranda: | ||
| Average total assets | $82,011,391,500 | 33 |
| Average earning assets | $79,446,361,500 | 32 |
| Average equity | $7,281,372,000 | 38 |
| Average total loans | $46,779,367,000 | 33 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6999% | 1,193 |
| Cost of funding earning assets | 0.1966% | 4,974 |
| Net interest margin | 4.5033% | 606 |
| Noninterest income to average assets | 2.9330% | 180 |
| Noninterest expense to average assets | 4.8624% | 238 |
| Loan and lease loss provision to assets | 0.8639% | 131 |
| Net operating income to assets | 0.9122% | 2,646 |
| Return on assets (ROA) | 0.9122% | 2,672 |
| Pretax return on assets | 1.5685% | 1,390 |
| Return on Equity (ROE) | 10.3880% | 1,726 |
| Retained earnings to average equity (ytd only) | 6.6604% | 1,206 |
| Net charge-offs to loans | 1.4443% | 110 |
| Credit loss provision to net charge-offs | 100.9708% | 2,538 |
| Earnings coverage of net charge-offs (x) | 2.8428% | 3,690 |
| Efficiency ratio | 64.9945% | 3,447 |
| Assets per employee ($millions) | 10.8477% | 247 |
| Cash dividends to net income (ytd only)* | 35.8840% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7770% | 814 |
| Loan loss allowance to noncurrent loans | 206.0153% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.5127% | 2,849 |
| Noncurrent loans to loans | 0.8625% | 2,072 |
| Net loans and leases to total assets | 57.9367% | 4,011 |
| Net loans and leases to deposits | 65.5760% | 4,218 |
| Net loans and leases to core deposits | 73.3487% | 3,934 |
| Total domestic deposits to total assets | 88.3505% | 1,329 |
| Equity capital to assets | 8.9410% | 4,779 |
| Core capital (leverage) ratio | 9.2239% | 4,370 |
| Tier 1 risk-based capital ratio | 14.0995% | 3,305 |
| Total risk-based capital ratio | 15.3559% | 3,207 |
| Memoranda: | ||
| Average total assets | $79,923,082,400 | 33 |
| Average earning assets | $77,413,136,600 | 31 |
| Average equity | $7,018,204,000 | 38 |
| Average total loans | $47,347,422,200 | 32 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6553% | 1,239 |
| Cost of funding earning assets | 0.2030% | 4,954 |
| Net interest margin | 4.4523% | 662 |
| Noninterest income to average assets | 2.9282% | 189 |
| Noninterest expense to average assets | 4.6234% | 285 |
| Loan and lease loss provision to assets | 0.8845% | 122 |
| Net operating income to assets | 1.1071% | 2,054 |
| Return on assets (ROA) | 1.1071% | 2,111 |
| Pretax return on assets | 1.7377% | 1,029 |
| Return on Equity (ROE) | 12.6660% | 1,133 |
| Retained earnings to average equity (ytd only) | 8.9774% | 846 |
| Net charge-offs to loans | 1.4283% | 113 |
| Credit loss provision to net charge-offs | 104.4224% | 2,216 |
| Earnings coverage of net charge-offs (x) | 3.0957% | 3,379 |
| Efficiency ratio | 62.3555% | 3,830 |
| Assets per employee ($millions) | 10.6542% | 259 |
| Cash dividends to net income (ytd only)* | 29.1220% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8227% | 819 |
| Loan loss allowance to noncurrent loans | 213.5787% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.5097% | 3,032 |
| Noncurrent loans to loans | 0.8534% | 2,233 |
| Net loans and leases to total assets | 58.2570% | 4,034 |
| Net loans and leases to deposits | 65.7652% | 4,269 |
| Net loans and leases to core deposits | 73.8017% | 3,992 |
| Total domestic deposits to total assets | 88.5833% | 1,080 |
| Equity capital to assets | 9.0875% | 4,832 |
| Core capital (leverage) ratio | 9.1830% | 4,531 |
| Tier 1 risk-based capital ratio | 14.3054% | 3,297 |
| Total risk-based capital ratio | 15.5625% | 3,196 |
| Memoranda: | ||
| Average total assets | $79,773,161,500 | 33 |
| Average earning assets | $77,354,439,750 | 30 |
| Average equity | $6,972,879,000 | 38 |
| Average total loans | $47,310,217,750 | 32 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5579% | 1,369 |
| Cost of funding earning assets | 0.2081% | 4,904 |
| Net interest margin | 4.3498% | 763 |
| Noninterest income to average assets | 2.8545% | 194 |
| Noninterest expense to average assets | 4.5055% | 319 |
| Loan and lease loss provision to assets | 0.9589% | 102 |
| Net operating income to assets | 1.0239% | 2,314 |
| Return on assets (ROA) | 1.0239% | 2,359 |
| Pretax return on assets | 1.6083% | 1,317 |
| Return on Equity (ROE) | 11.8699% | 1,338 |
| Retained earnings to average equity (ytd only) | 8.0726% | 1,134 |
| Net charge-offs to loans | 1.4695% | 125 |
| Credit loss provision to net charge-offs | 110.0520% | 1,891 |
| Earnings coverage of net charge-offs (x) | 2.9463% | 3,101 |
| Efficiency ratio | 62.2024% | 3,957 |
| Assets per employee ($millions) | 11.0428% | 223 |
| Cash dividends to net income (ytd only)* | 31.9916% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8289% | 835 |
| Loan loss allowance to noncurrent loans | 222.3170% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.4895% | 3,128 |
| Noncurrent loans to loans | 0.8227% | 2,345 |
| Net loans and leases to total assets | 58.1255% | 4,016 |
| Net loans and leases to deposits | 65.0339% | 4,299 |
| Net loans and leases to core deposits | 73.1510% | 4,007 |
| Total domestic deposits to total assets | 89.3773% | 775 |
| Equity capital to assets | 8.7332% | 5,118 |
| Core capital (leverage) ratio | 8.8322% | 4,911 |
| Tier 1 risk-based capital ratio | 13.9613% | 3,446 |
| Total risk-based capital ratio | 15.2187% | 3,362 |
| Memoranda: | ||
| Average total assets | $79,867,211,000 | 33 |
| Average earning assets | $77,451,938,000 | 30 |
| Average equity | $6,889,262,670 | 38 |
| Average total loans | $47,357,345,330 | 32 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5125% | 1,344 |
| Cost of funding earning assets | 0.2114% | 4,872 |
| Net interest margin | 4.3012% | 783 |
| Noninterest income to average assets | 2.6982% | 215 |
| Noninterest expense to average assets | 4.3882% | 361 |
| Loan and lease loss provision to assets | 0.9997% | 88 |
| Net operating income to assets | 0.9420% | 2,556 |
| Return on assets (ROA) | 0.9420% | 2,614 |
| Pretax return on assets | 1.4802% | 1,602 |
| Return on Equity (ROE) | 10.9893% | 1,573 |
| Retained earnings to average equity (ytd only) | 7.3451% | 1,722 |
| Net charge-offs to loans | 1.5078% | 104 |
| Credit loss provision to net charge-offs | 111.7318% | 1,466 |
| Earnings coverage of net charge-offs (x) | 2.7717% | 2,553 |
| Efficiency ratio | 62.3217% | 4,103 |
| Assets per employee ($millions) | 11.1347% | 213 |
| Cash dividends to net income (ytd only)* | 33.1616% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8444% | 880 |
| Loan loss allowance to noncurrent loans | 201.1607% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.5278% | 3,115 |
| Noncurrent loans to loans | 0.9169% | 2,206 |
| Net loans and leases to total assets | 56.1885% | 4,150 |
| Net loans and leases to deposits | 62.6727% | 4,392 |
| Net loans and leases to core deposits | 69.7339% | 4,165 |
| Total domestic deposits to total assets | 89.6539% | 825 |
| Equity capital to assets | 8.4640% | 5,263 |
| Core capital (leverage) ratio | 8.8717% | 4,880 |
| Tier 1 risk-based capital ratio | 14.0331% | 3,456 |
| Total risk-based capital ratio | 15.2906% | 3,370 |
| Memoranda: | ||
| Average total assets | $79,522,028,000 | 33 |
| Average earning assets | $77,096,216,000 | 30 |
| Average equity | $6,816,267,000 | 38 |
| Average total loans | $47,187,603,000 | 32 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6469% | 1,174 |
| Cost of funding earning assets | 0.2413% | 4,644 |
| Net interest margin | 4.4056% | 766 |
| Noninterest income to average assets | 3.0018% | 206 |
| Noninterest expense to average assets | 4.7570% | 303 |
| Loan and lease loss provision to assets | 0.9565% | 110 |
| Net operating income to assets | 0.9470% | 2,600 |
| Return on assets (ROA) | 0.9470% | 2,708 |
| Pretax return on assets | 1.4910% | 1,609 |
| Return on Equity (ROE) | 10.8243% | 1,647 |
| Retained earnings to average equity (ytd only) | 7.0414% | 1,214 |
| Net charge-offs to loans | 1.3418% | 116 |
| Credit loss provision to net charge-offs | 114.2807% | 2,300 |
| Earnings coverage of net charge-offs (x) | 2.9241% | 3,744 |
| Efficiency ratio | 64.9584% | 3,770 |
| Assets per employee ($millions) | 10.9569% | 229 |
| Cash dividends to net income (ytd only)* | 34.9483% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7501% | 1,043 |
| Loan loss allowance to noncurrent loans | 188.0873% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.5771% | 2,999 |
| Noncurrent loans to loans | 0.9305% | 2,231 |
| Net loans and leases to total assets | 60.4518% | 3,799 |
| Net loans and leases to deposits | 67.8420% | 4,093 |
| Net loans and leases to core deposits | 75.9180% | 3,754 |
| Total domestic deposits to total assets | 89.1068% | 1,057 |
| Equity capital to assets | 8.6840% | 5,121 |
| Core capital (leverage) ratio | 8.9316% | 4,820 |
| Tier 1 risk-based capital ratio | 13.4527% | 3,799 |
| Total risk-based capital ratio | 14.7091% | 3,693 |
| Memoranda: | ||
| Average total assets | $75,136,484,800 | 33 |
| Average earning assets | $71,675,944,600 | 32 |
| Average equity | $6,573,348,200 | 38 |
| Average total loans | $46,867,957,800 | 32 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6614% | 1,159 |
| Cost of funding earning assets | 0.2454% | 4,644 |
| Net interest margin | 4.4160% | 752 |
| Noninterest income to average assets | 3.0280% | 205 |
| Noninterest expense to average assets | 4.6614% | 333 |
| Loan and lease loss provision to assets | 0.9278% | 112 |
| Net operating income to assets | 1.0516% | 2,194 |
| Return on assets (ROA) | 1.0516% | 2,319 |
| Pretax return on assets | 1.6379% | 1,278 |
| Return on Equity (ROE) | 11.9970% | 1,321 |
| Retained earnings to average equity (ytd only) | 8.2529% | 1,064 |
| Net charge-offs to loans | 1.3051% | 115 |
| Credit loss provision to net charge-offs | 113.5686% | 2,184 |
| Earnings coverage of net charge-offs (x) | 3.1406% | 3,462 |
| Efficiency ratio | 63.4886% | 4,005 |
| Assets per employee ($millions) | 11.0949% | 209 |
| Cash dividends to net income (ytd only)* | 31.2089% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7182% | 1,175 |
| Loan loss allowance to noncurrent loans | 188.7148% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.5689% | 3,202 |
| Noncurrent loans to loans | 0.9105% | 2,425 |
| Net loans and leases to total assets | 60.7704% | 3,772 |
| Net loans and leases to deposits | 68.0209% | 4,148 |
| Net loans and leases to core deposits | 76.0908% | 3,824 |
| Total domestic deposits to total assets | 89.3409% | 742 |
| Equity capital to assets | 8.8473% | 5,288 |
| Core capital (leverage) ratio | 8.9927% | 4,836 |
| Tier 1 risk-based capital ratio | 13.7267% | 3,725 |
| Total risk-based capital ratio | 14.9830% | 3,636 |
| Memoranda: | ||
| Average total assets | $74,480,377,500 | 33 |
| Average earning assets | $70,824,039,000 | 32 |
| Average equity | $6,528,493,750 | 38 |
| Average total loans | $46,623,641,000 | 32 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6852% | 1,080 |
| Cost of funding earning assets | 0.2492% | 4,669 |
| Net interest margin | 4.4360% | 708 |
| Noninterest income to average assets | 2.9756% | 205 |
| Noninterest expense to average assets | 4.6237% | 342 |
| Loan and lease loss provision to assets | 0.9510% | 105 |
| Net operating income to assets | 1.0166% | 2,316 |
| Return on assets (ROA) | 1.0166% | 2,451 |
| Pretax return on assets | 1.5855% | 1,410 |
| Return on Equity (ROE) | 11.6347% | 1,437 |
| Retained earnings to average equity (ytd only) | 7.7842% | 1,251 |
| Net charge-offs to loans | 1.3237% | 119 |
| Credit loss provision to net charge-offs | 114.2910% | 1,922 |
| Earnings coverage of net charge-offs (x) | 3.0484% | 3,172 |
| Efficiency ratio | 63.5385% | 4,093 |
| Assets per employee ($millions) | 11.3977% | 183 |
| Cash dividends to net income (ytd only)* | 33.0955% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6771% | 1,323 |
| Loan loss allowance to noncurrent loans | 197.8259% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.5342% | 3,430 |
| Noncurrent loans to loans | 0.8478% | 2,625 |
| Net loans and leases to total assets | 61.2955% | 3,709 |
| Net loans and leases to deposits | 68.4862% | 4,136 |
| Net loans and leases to core deposits | 76.7253% | 3,760 |
| Total domestic deposits to total assets | 89.5005% | 681 |
| Equity capital to assets | 8.7373% | 5,454 |
| Core capital (leverage) ratio | 8.9112% | 4,928 |
| Tier 1 risk-based capital ratio | 13.3078% | 4,014 |
| Total risk-based capital ratio | 14.5633% | 3,931 |
| Memoranda: | ||
| Average total assets | $73,910,907,000 | 32 |
| Average earning assets | $69,723,002,000 | 31 |
| Average equity | $6,457,775,670 | 37 |
| Average total loans | $46,461,619,670 | 31 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7100% | 1,031 |
| Cost of funding earning assets | 0.2500% | 4,710 |
| Net interest margin | 4.4600% | 657 |
| Noninterest income to average assets | 2.8301% | 214 |
| Noninterest expense to average assets | 4.4782% | 402 |
| Loan and lease loss provision to assets | 0.9347% | 103 |
| Net operating income to assets | 1.0577% | 2,061 |
| Return on assets (ROA) | 1.0577% | 2,169 |
| Pretax return on assets | 1.6609% | 1,155 |
| Return on Equity (ROE) | 12.1052% | 1,285 |
| Retained earnings to average equity (ytd only) | 8.4099% | 1,296 |
| Net charge-offs to loans | 1.3634% | 139 |
| Credit loss provision to net charge-offs | 108.5953% | 1,529 |
| Earnings coverage of net charge-offs (x) | 3.0157% | 2,600 |
| Efficiency ratio | 62.2832% | 4,408 |
| Assets per employee ($millions) | 11.9939% | 155 |
| Cash dividends to net income (ytd only)* | 30.5269% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6707% | 1,426 |
| Loan loss allowance to noncurrent loans | 178.4350% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.5739% | 3,342 |
| Noncurrent loans to loans | 0.9363% | 2,510 |
| Net loans and leases to total assets | 59.6756% | 3,824 |
| Net loans and leases to deposits | 66.5963% | 4,198 |
| Net loans and leases to core deposits | 74.6535% | 3,825 |
| Total domestic deposits to total assets | 89.6080% | 780 |
| Equity capital to assets | 8.6205% | 5,476 |
| Core capital (leverage) ratio | 9.0713% | 4,769 |
| Tier 1 risk-based capital ratio | 13.4561% | 4,003 |
| Total risk-based capital ratio | 14.7114% | 3,927 |
| Memoranda: | ||
| Average total assets | $73,094,359,000 | 32 |
| Average earning assets | $69,549,532,500 | 31 |
| Average equity | $6,386,400,000 | 37 |
| Average total loans | $46,144,979,000 | 31 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6730% | 1,171 |
| Cost of funding earning assets | 0.2939% | 4,321 |
| Net interest margin | 4.3791% | 829 |
| Noninterest income to average assets | 2.6971% | 245 |
| Noninterest expense to average assets | 4.4704% | 420 |
| Loan and lease loss provision to assets | 0.8490% | 108 |
| Net operating income to assets | 0.9692% | 2,528 |
| Return on assets (ROA) | 0.9692% | 2,599 |
| Pretax return on assets | 1.5326% | 1,454 |
| Return on Equity (ROE) | 10.9868% | 1,620 |
| Retained earnings to average equity (ytd only) | 6.8104% | 1,368 |
| Net charge-offs to loans | 1.1880% | 149 |
| Credit loss provision to net charge-offs | 110.1091% | 2,295 |
| Earnings coverage of net charge-offs (x) | 3.0888% | 3,778 |
| Efficiency ratio | 64.2135% | 4,214 |
| Assets per employee ($millions) | 11.4635% | 175 |
| Cash dividends to net income (ytd only)* | 38.0129% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5994% | 1,617 |
| Loan loss allowance to noncurrent loans | 172.7722% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.6147% | 3,223 |
| Noncurrent loans to loans | 0.9257% | 2,486 |
| Net loans and leases to total assets | 64.6557% | 3,173 |
| Net loans and leases to deposits | 72.4813% | 3,667 |
| Net loans and leases to core deposits | 81.3323% | 3,215 |
| Total domestic deposits to total assets | 89.2033% | 1,019 |
| Equity capital to assets | 8.8604% | 5,259 |
| Core capital (leverage) ratio | 9.1234% | 4,723 |
| Tier 1 risk-based capital ratio | 13.1952% | 4,173 |
| Total risk-based capital ratio | 14.4500% | 4,100 |
| Memoranda: | ||
| Average total assets | $69,636,551,600 | 33 |
| Average earning assets | $66,071,166,800 | 31 |
| Average equity | $6,143,280,000 | 38 |
| Average total loans | $45,194,267,000 | 29 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6748% | 1,146 |
| Cost of funding earning assets | 0.3030% | 4,307 |
| Net interest margin | 4.3718% | 840 |
| Noninterest income to average assets | 2.7110% | 243 |
| Noninterest expense to average assets | 4.2674% | 505 |
| Loan and lease loss provision to assets | 0.7604% | 97 |
| Net operating income to assets | 1.1587% | 1,804 |
| Return on assets (ROA) | 1.1587% | 1,870 |
| Pretax return on assets | 1.8043% | 894 |
| Return on Equity (ROE) | 13.1496% | 1,093 |
| Retained earnings to average equity (ytd only) | 9.0147% | 899 |
| Net charge-offs to loans | 1.1464% | 149 |
| Credit loss provision to net charge-offs | 102.5286% | 2,213 |
| Earnings coverage of net charge-offs (x) | 3.4581% | 3,496 |
| Efficiency ratio | 61.4295% | 4,654 |
| Assets per employee ($millions) | 11.3552% | 177 |
| Cash dividends to net income (ytd only)* | 31.4450% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5376% | 2,005 |
| Loan loss allowance to noncurrent loans | 166.5252% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.6095% | 3,442 |
| Noncurrent loans to loans | 0.9233% | 2,671 |
| Net loans and leases to total assets | 64.2759% | 3,266 |
| Net loans and leases to deposits | 72.0125% | 3,767 |
| Net loans and leases to core deposits | 80.9637% | 3,344 |
| Total domestic deposits to total assets | 89.2566% | 895 |
| Equity capital to assets | 9.0224% | 5,291 |
| Core capital (leverage) ratio | 9.2018% | 4,724 |
| Tier 1 risk-based capital ratio | 13.2780% | 4,272 |
| Total risk-based capital ratio | 14.5319% | 4,191 |
| Memoranda: | ||
| Average total assets | $69,262,957,000 | 33 |
| Average earning assets | $65,292,681,750 | 31 |
| Average equity | $6,103,486,500 | 37 |
| Average total loans | $44,808,402,250 | 29 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6239% | 1,224 |
| Cost of funding earning assets | 0.3091% | 4,291 |
| Net interest margin | 4.3148% | 893 |
| Noninterest income to average assets | 2.6261% | 256 |
| Noninterest expense to average assets | 4.1551% | 577 |
| Loan and lease loss provision to assets | 0.7651% | 106 |
| Net operating income to assets | 1.1530% | 1,771 |
| Return on assets (ROA) | 1.1530% | 1,836 |
| Pretax return on assets | 1.7836% | 920 |
| Return on Equity (ROE) | 13.1904% | 1,081 |
| Retained earnings to average equity (ytd only) | 8.9366% | 941 |
| Net charge-offs to loans | 1.1598% | 163 |
| Credit loss provision to net charge-offs | 102.2842% | 2,014 |
| Earnings coverage of net charge-offs (x) | 3.4073% | 3,201 |
| Efficiency ratio | 60.9199% | 4,843 |
| Assets per employee ($millions) | 11.2382% | 181 |
| Cash dividends to net income (ytd only)* | 32.2489% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5493% | 2,086 |
| Loan loss allowance to noncurrent loans | 171.1081% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.5944% | 3,627 |
| Noncurrent loans to loans | 0.9054% | 2,858 |
| Net loans and leases to total assets | 63.7991% | 3,286 |
| Net loans and leases to deposits | 71.3057% | 3,786 |
| Net loans and leases to core deposits | 80.2078% | 3,371 |
| Total domestic deposits to total assets | 89.4726% | 911 |
| Equity capital to assets | 8.8699% | 5,374 |
| Core capital (leverage) ratio | 9.0086% | 4,957 |
| Tier 1 risk-based capital ratio | 13.1771% | 4,408 |
| Total risk-based capital ratio | 14.4311% | 4,333 |
| Memoranda: | ||
| Average total assets | $69,004,329,330 | 33 |
| Average earning assets | $65,213,760,670 | 31 |
| Average equity | $6,031,577,670 | 37 |
| Average total loans | $44,504,170,000 | 29 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5888% | 1,247 |
| Cost of funding earning assets | 0.3151% | 4,277 |
| Net interest margin | 4.2737% | 934 |
| Noninterest income to average assets | 2.6190% | 254 |
| Noninterest expense to average assets | 4.0148% | 677 |
| Loan and lease loss provision to assets | 0.7834% | 108 |
| Net operating income to assets | 1.1928% | 1,570 |
| Return on assets (ROA) | 1.1928% | 1,669 |
| Pretax return on assets | 1.8774% | 747 |
| Return on Equity (ROE) | 13.7485% | 926 |
| Retained earnings to average equity (ytd only) | 9.6588% | 1,004 |
| Net charge-offs to loans | 1.1782% | 190 |
| Credit loss provision to net charge-offs | 103.3440% | 1,575 |
| Earnings coverage of net charge-offs (x) | 3.5101% | 2,595 |
| Efficiency ratio | 59.0693% | 5,215 |
| Assets per employee ($millions) | 11.4616% | 171 |
| Cash dividends to net income (ytd only)* | 29.7465% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5839% | 2,110 |
| Loan loss allowance to noncurrent loans | 160.2100% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.6277% | 3,605 |
| Noncurrent loans to loans | 0.9886% | 2,791 |
| Net loans and leases to total assets | 61.7146% | 3,415 |
| Net loans and leases to deposits | 68.8088% | 3,881 |
| Net loans and leases to core deposits | 77.5015% | 3,428 |
| Total domestic deposits to total assets | 89.6899% | 907 |
| Equity capital to assets | 8.6056% | 5,655 |
| Core capital (leverage) ratio | 9.0497% | 4,896 |
| Tier 1 risk-based capital ratio | 13.2697% | 4,455 |
| Total risk-based capital ratio | 14.5241% | 4,364 |
| Memoranda: | ||
| Average total assets | $68,769,338,500 | 33 |
| Average earning assets | $65,277,428,000 | 31 |
| Average equity | $5,966,225,500 | 38 |
| Average total loans | $44,245,527,500 | 29 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5415% | 1,723 |
| Cost of funding earning assets | 0.3621% | 4,120 |
| Net interest margin | 4.1794% | 1,358 |
| Noninterest income to average assets | 2.7574% | 211 |
| Noninterest expense to average assets | 4.2511% | 579 |
| Loan and lease loss provision to assets | 0.7030% | 178 |
| Net operating income to assets | 1.1330% | 1,845 |
| Return on assets (ROA) | 1.1330% | 1,911 |
| Pretax return on assets | 1.7720% | 844 |
| Return on Equity (ROE) | 13.1793% | 1,096 |
| Retained earnings to average equity (ytd only) | 8.9741% | 713 |
| Net charge-offs to loans | 1.1471% | 243 |
| Credit loss provision to net charge-offs | 95.4950% | 2,524 |
| Earnings coverage of net charge-offs (x) | 3.3622% | 3,907 |
| Efficiency ratio | 62.1921% | 4,882 |
| Assets per employee ($millions) | 11.0186% | 189 |
| Cash dividends to net income (ytd only)* | 31.9077% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5597% | 2,229 |
| Loan loss allowance to noncurrent loans | 155.5421% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.6703% | 3,564 |
| Noncurrent loans to loans | 1.0028% | 2,826 |
| Net loans and leases to total assets | 65.0113% | 3,046 |
| Net loans and leases to deposits | 72.9835% | 3,554 |
| Net loans and leases to core deposits | 82.4595% | 3,049 |
| Total domestic deposits to total assets | 89.0767% | 1,195 |
| Equity capital to assets | 8.7489% | 5,537 |
| Core capital (leverage) ratio | 8.7158% | 5,332 |
| Tier 1 risk-based capital ratio | 12.9641% | 4,746 |
| Total risk-based capital ratio | 14.2184% | 4,658 |
| Memoranda: | ||
| Average total assets | $65,627,688,800 | 33 |
| Average earning assets | $62,318,381,200 | 31 |
| Average equity | $5,641,702,600 | 39 |
| Average total loans | $42,113,924,400 | 28 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5003% | 1,867 |
| Cost of funding earning assets | 0.3715% | 4,112 |
| Net interest margin | 4.1287% | 1,491 |
| Noninterest income to average assets | 2.7583% | 212 |
| Noninterest expense to average assets | 4.1403% | 648 |
| Loan and lease loss provision to assets | 0.6981% | 186 |
| Net operating income to assets | 1.1902% | 1,707 |
| Return on assets (ROA) | 1.1902% | 1,779 |
| Pretax return on assets | 1.8260% | 840 |
| Return on Equity (ROE) | 13.9092% | 1,004 |
| Retained earnings to average equity (ytd only) | 9.7286% | 769 |
| Net charge-offs to loans | 1.1430% | 245 |
| Credit loss provision to net charge-offs | 95.9072% | 2,321 |
| Earnings coverage of net charge-offs (x) | 3.4676% | 3,656 |
| Efficiency ratio | 61.1111% | 5,020 |
| Assets per employee ($millions) | 10.7121% | 200 |
| Cash dividends to net income (ytd only)* | 30.0566% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6170% | 2,242 |
| Loan loss allowance to noncurrent loans | 158.3553% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.6761% | 3,809 |
| Noncurrent loans to loans | 1.0211% | 3,031 |
| Net loans and leases to total assets | 64.3977% | 3,127 |
| Net loans and leases to deposits | 72.4772% | 3,635 |
| Net loans and leases to core deposits | 82.4050% | 3,062 |
| Total domestic deposits to total assets | 88.8524% | 1,332 |
| Equity capital to assets | 8.7414% | 5,604 |
| Core capital (leverage) ratio | 8.6946% | 5,445 |
| Tier 1 risk-based capital ratio | 12.8602% | 4,946 |
| Total risk-based capital ratio | 14.1149% | 4,862 |
| Memoranda: | ||
| Average total assets | $65,209,137,500 | 34 |
| Average earning assets | $61,693,815,750 | 32 |
| Average equity | $5,580,084,250 | 40 |
| Average total loans | $41,530,628,000 | 29 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3894% | 2,209 |
| Cost of funding earning assets | 0.3738% | 4,169 |
| Net interest margin | 4.0156% | 1,769 |
| Noninterest income to average assets | 2.7246% | 215 |
| Noninterest expense to average assets | 4.0011% | 764 |
| Loan and lease loss provision to assets | 0.7040% | 187 |
| Net operating income to assets | 1.1990% | 1,593 |
| Return on assets (ROA) | 1.1990% | 1,660 |
| Pretax return on assets | 1.8379% | 782 |
| Return on Equity (ROE) | 14.1145% | 934 |
| Retained earnings to average equity (ytd only) | 9.7977% | 769 |
| Net charge-offs to loans | 1.1860% | 266 |
| Credit loss provision to net charge-offs | 94.0902% | 2,112 |
| Earnings coverage of net charge-offs (x) | 3.3972% | 3,317 |
| Efficiency ratio | 60.1297% | 5,277 |
| Assets per employee ($millions) | 10.2706% | 215 |
| Cash dividends to net income (ytd only)* | 30.5843% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6593% | 2,259 |
| Loan loss allowance to noncurrent loans | 163.7392% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.6561% | 4,015 |
| Noncurrent loans to loans | 1.0134% | 3,206 |
| Net loans and leases to total assets | 62.9408% | 3,247 |
| Net loans and leases to deposits | 70.3921% | 3,769 |
| Net loans and leases to core deposits | 80.0323% | 3,211 |
| Total domestic deposits to total assets | 89.4146% | 1,144 |
| Equity capital to assets | 8.5654% | 5,747 |
| Core capital (leverage) ratio | 8.5259% | 5,612 |
| Tier 1 risk-based capital ratio | 12.9452% | 4,947 |
| Total risk-based capital ratio | 14.2003% | 4,881 |
| Memoranda: | ||
| Average total assets | $64,885,644,330 | 34 |
| Average earning assets | $61,699,189,670 | 32 |
| Average equity | $5,511,776,670 | 40 |
| Average total loans | $40,934,636,670 | 29 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2950% | 2,543 |
| Cost of funding earning assets | 0.3763% | 4,240 |
| Net interest margin | 3.9187% | 2,020 |
| Noninterest income to average assets | 2.4932% | 239 |
| Noninterest expense to average assets | 3.8933% | 871 |
| Loan and lease loss provision to assets | 0.6209% | 209 |
| Net operating income to assets | 1.1163% | 1,748 |
| Return on assets (ROA) | 1.1163% | 1,811 |
| Pretax return on assets | 1.7377% | 900 |
| Return on Equity (ROE) | 13.1980% | 1,112 |
| Retained earnings to average equity (ytd only) | 9.0996% | 1,217 |
| Net charge-offs to loans | 1.2719% | 263 |
| Credit loss provision to net charge-offs | 77.9559% | 1,920 |
| Earnings coverage of net charge-offs (x) | 2.9614% | 2,761 |
| Efficiency ratio | 61.2164% | 5,243 |
| Assets per employee ($millions) | 11.0311% | 188 |
| Cash dividends to net income (ytd only)* | 31.0529% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7200% | 2,286 |
| Loan loss allowance to noncurrent loans | 153.4159% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.6850% | 4,051 |
| Noncurrent loans to loans | 1.1211% | 3,184 |
| Net loans and leases to total assets | 59.6280% | 3,618 |
| Net loans and leases to deposits | 66.3197% | 4,054 |
| Net loans and leases to core deposits | 75.6852% | 3,442 |
| Total domestic deposits to total assets | 89.9099% | 1,122 |
| Equity capital to assets | 8.3631% | 5,771 |
| Core capital (leverage) ratio | 8.3293% | 5,820 |
| Tier 1 risk-based capital ratio | 13.2246% | 4,877 |
| Total risk-based capital ratio | 14.4803% | 4,807 |
| Memoranda: | ||
| Average total assets | $64,339,257,000 | 34 |
| Average earning assets | $61,711,578,500 | 32 |
| Average equity | $5,441,994,000 | 40 |
| Average total loans | $40,287,960,000 | 29 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3162% | 2,893 |
| Cost of funding earning assets | 0.4740% | 3,875 |
| Net interest margin | 3.8422% | 2,493 |
| Noninterest income to average assets | 2.9966% | 231 |
| Noninterest expense to average assets | 4.1394% | 744 |
| Loan and lease loss provision to assets | 0.6675% | 352 |
| Net operating income to assets | 1.1754% | 1,663 |
| Return on assets (ROA) | 1.1754% | 1,718 |
| Pretax return on assets | 1.8505% | 679 |
| Return on Equity (ROE) | 13.9012% | 973 |
| Retained earnings to average equity (ytd only) | 9.7651% | 604 |
| Net charge-offs to loans | 1.3086% | 385 |
| Credit loss provision to net charge-offs | 79.5878% | 3,057 |
| Earnings coverage of net charge-offs (x) | 3.0022% | 3,992 |
| Efficiency ratio | 61.1793% | 5,334 |
| Assets per employee ($millions) | 10.3502% | 207 |
| Cash dividends to net income (ytd only)* | 29.7539% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7548% | 2,221 |
| Loan loss allowance to noncurrent loans | 155.2502% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.7352% | 4,040 |
| Noncurrent loans to loans | 1.1303% | 3,283 |
| Net loans and leases to total assets | 63.5211% | 3,129 |
| Net loans and leases to deposits | 71.1121% | 3,640 |
| Net loans and leases to core deposits | 81.5358% | 2,955 |
| Total domestic deposits to total assets | 89.3252% | 1,420 |
| Equity capital to assets | 8.5579% | 5,519 |
| Core capital (leverage) ratio | 8.5291% | 5,634 |
| Tier 1 risk-based capital ratio | 12.8220% | 5,105 |
| Total risk-based capital ratio | 14.0783% | 5,045 |
| Memoranda: | ||
| Average total assets | $61,565,860,000 | 34 |
| Average earning assets | $58,659,231,800 | 33 |
| Average equity | $5,205,762,600 | 40 |
| Average total loans | $39,458,720,200 | 29 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3182% | 2,912 |
| Cost of funding earning assets | 0.4939% | 3,832 |
| Net interest margin | 3.8243% | 2,558 |
| Noninterest income to average assets | 3.1607% | 224 |
| Noninterest expense to average assets | 3.9520% | 902 |
| Loan and lease loss provision to assets | 0.6550% | 341 |
| Net operating income to assets | 1.3685% | 1,174 |
| Return on assets (ROA) | 1.3685% | 1,224 |
| Pretax return on assets | 2.1700% | 415 |
| Return on Equity (ROE) | 16.2349% | 617 |
| Retained earnings to average equity (ytd only) | 13.4659% | 292 |
| Net charge-offs to loans | 1.3128% | 404 |
| Credit loss provision to net charge-offs | 78.0278% | 2,892 |
| Earnings coverage of net charge-offs (x) | 3.3652% | 3,726 |
| Efficiency ratio | 57.3412% | 5,762 |
| Assets per employee ($millions) | 9.6066% | 261 |
| Cash dividends to net income (ytd only)* | 17.0560% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8595% | 2,113 |
| Loan loss allowance to noncurrent loans | 166.7650% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.7194% | 4,303 |
| Noncurrent loans to loans | 1.1151% | 3,571 |
| Net loans and leases to total assets | 62.5857% | 3,242 |
| Net loans and leases to deposits | 69.9395% | 3,792 |
| Net loans and leases to core deposits | 80.6781% | 3,050 |
| Total domestic deposits to total assets | 89.4855% | 1,309 |
| Equity capital to assets | 8.6932% | 5,530 |
| Core capital (leverage) ratio | 8.6479% | 5,602 |
| Tier 1 risk-based capital ratio | 13.1053% | 5,051 |
| Total risk-based capital ratio | 14.3627% | 4,992 |
| Memoranda: | ||
| Average total assets | $61,240,586,500 | 34 |
| Average earning assets | $57,911,122,500 | 33 |
| Average equity | $5,162,179,750 | 41 |
| Average total loans | $39,161,647,500 | 29 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2623% | 3,112 |
| Cost of funding earning assets | 0.5058% | 3,844 |
| Net interest margin | 3.7565% | 2,737 |
| Noninterest income to average assets | 3.3206% | 223 |
| Noninterest expense to average assets | 3.8573% | 1,029 |
| Loan and lease loss provision to assets | 0.7144% | 317 |
| Net operating income to assets | 1.4619% | 960 |
| Return on assets (ROA) | 1.4619% | 1,035 |
| Pretax return on assets | 2.3097% | 346 |
| Return on Equity (ROE) | 17.5287% | 507 |
| Retained earnings to average equity (ytd only) | 17.2452% | 149 |
| Net charge-offs to loans | 1.4046% | 394 |
| Credit loss provision to net charge-offs | 79.4636% | 2,632 |
| Earnings coverage of net charge-offs (x) | 3.3637% | 3,412 |
| Efficiency ratio | 55.1092% | 6,055 |
| Assets per employee ($millions) | 9.5726% | 247 |
| Cash dividends to net income (ytd only)* | 1.6175% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9238% | 2,040 |
| Loan loss allowance to noncurrent loans | 170.3613% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.7259% | 4,406 |
| Noncurrent loans to loans | 1.1293% | 3,675 |
| Net loans and leases to total assets | 62.5788% | 3,185 |
| Net loans and leases to deposits | 70.0022% | 3,710 |
| Net loans and leases to core deposits | 80.6596% | 2,955 |
| Total domestic deposits to total assets | 89.3955% | 1,381 |
| Equity capital to assets | 8.5305% | 5,740 |
| Core capital (leverage) ratio | 8.4942% | 5,679 |
| Tier 1 risk-based capital ratio | 13.0326% | 5,122 |
| Total risk-based capital ratio | 14.2905% | 5,057 |
| Memoranda: | ||
| Average total assets | $60,974,277,670 | 34 |
| Average earning assets | $57,798,115,000 | 33 |
| Average equity | $5,085,169,670 | 41 |
| Average total loans | $39,027,668,000 | 29 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2642% | 3,046 |
| Cost of funding earning assets | 0.5230% | 3,857 |
| Net interest margin | 3.7412% | 2,695 |
| Noninterest income to average assets | 3.1595% | 239 |
| Noninterest expense to average assets | 3.8056% | 1,103 |
| Loan and lease loss provision to assets | 0.8052% | 267 |
| Net operating income to assets | 1.3358% | 1,192 |
| Return on assets (ROA) | 1.3358% | 1,287 |
| Pretax return on assets | 2.1148% | 478 |
| Return on Equity (ROE) | 16.2083% | 584 |
| Retained earnings to average equity (ytd only) | 16.2083% | 262 |
| Net charge-offs to loans | 1.4504% | 377 |
| Credit loss provision to net charge-offs | 86.5939% | 2,075 |
| Earnings coverage of net charge-offs (x) | 3.1402% | 2,832 |
| Efficiency ratio | 55.6387% | 6,097 |
| Assets per employee ($millions) | 9.9558% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0934% | 1,812 |
| Loan loss allowance to noncurrent loans | 182.5893% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.7132% | 4,591 |
| Noncurrent loans to loans | 1.1465% | 3,866 |
| Net loans and leases to total assets | 60.3960% | 3,361 |
| Net loans and leases to deposits | 67.1609% | 3,890 |
| Net loans and leases to core deposits | 77.3943% | 3,143 |
| Total domestic deposits to total assets | 89.9272% | 1,092 |
| Equity capital to assets | 8.1730% | 6,273 |
| Core capital (leverage) ratio | 8.1484% | 5,993 |
| Tier 1 risk-based capital ratio | 12.8615% | 5,328 |
| Total risk-based capital ratio | 14.1212% | 5,264 |
| Memoranda: | ||
| Average total assets | $60,336,020,000 | 34 |
| Average earning assets | $57,513,023,500 | 33 |
| Average equity | $4,972,594,000 | 41 |
| Average total loans | $38,681,527,000 | 29 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4098% | 3,772 |
| Cost of funding earning assets | 0.6175% | 4,197 |
| Net interest margin | 3.7923% | 3,258 |
| Noninterest income to average assets | 3.2671% | 225 |
| Noninterest expense to average assets | 3.9111% | 1,088 |
| Loan and lease loss provision to assets | 1.0246% | 390 |
| Net operating income to assets | 1.2742% | 1,385 |
| Return on assets (ROA) | 1.2742% | 1,534 |
| Pretax return on assets | 1.9833% | 626 |
| Return on Equity (ROE) | 15.1347% | 793 |
| Retained earnings to average equity (ytd only) | 10.5840% | 491 |
| Net charge-offs to loans | 1.4930% | 603 |
| Credit loss provision to net charge-offs | 100.8560% | 3,005 |
| Earnings coverage of net charge-offs (x) | 2.9608% | 3,947 |
| Efficiency ratio | 55.5586% | 6,115 |
| Assets per employee ($millions) | 9.6330% | 274 |
| Cash dividends to net income (ytd only)* | 30.0680% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0998% | 1,770 |
| Loan loss allowance to noncurrent loans | 224.7170% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.6289% | 4,896 |
| Noncurrent loans to loans | 0.9344% | 4,324 |
| Net loans and leases to total assets | 65.2767% | 2,656 |
| Net loans and leases to deposits | 72.7627% | 3,288 |
| Net loans and leases to core deposits | 84.2548% | 2,521 |
| Total domestic deposits to total assets | 89.7117% | 1,120 |
| Equity capital to assets | 8.3141% | 6,189 |
| Core capital (leverage) ratio | 8.2975% | 5,890 |
| Tier 1 risk-based capital ratio | 12.3532% | 5,570 |
| Total risk-based capital ratio | 13.6135% | 5,513 |
| Memoranda: | ||
| Average total assets | $55,941,892,000 | 34 |
| Average earning assets | $53,869,664,800 | 33 |
| Average equity | $4,709,755,200 | 42 |
| Average total loans | $38,067,373,000 | 29 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4502% | 3,830 |
| Cost of funding earning assets | 0.6359% | 4,311 |
| Net interest margin | 3.8143% | 3,273 |
| Noninterest income to average assets | 3.4148% | 213 |
| Noninterest expense to average assets | 3.8888% | 1,074 |
| Loan and lease loss provision to assets | 0.9094% | 483 |
| Net operating income to assets | 1.4502% | 1,126 |
| Return on assets (ROA) | 1.4502% | 1,252 |
| Pretax return on assets | 2.2825% | 414 |
| Return on Equity (ROE) | 17.1686% | 587 |
| Retained earnings to average equity (ytd only) | 16.9641% | 152 |
| Net charge-offs to loans | 1.4542% | 609 |
| Credit loss provision to net charge-offs | 91.4104% | 3,254 |
| Earnings coverage of net charge-offs (x) | 3.2084% | 3,745 |
| Efficiency ratio | 53.9944% | 6,249 |
| Assets per employee ($millions) | 10.4339% | 205 |
| Cash dividends to net income (ytd only)* | 1.1914% | 3,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0574% | 2,016 |
| Loan loss allowance to noncurrent loans | 206.0932% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.6635% | 5,019 |
| Noncurrent loans to loans | 0.9983% | 4,454 |
| Net loans and leases to total assets | 64.4593% | 2,939 |
| Net loans and leases to deposits | 72.2301% | 3,574 |
| Net loans and leases to core deposits | 86.8260% | 2,362 |
| Total domestic deposits to total assets | 89.2416% | 1,288 |
| Equity capital to assets | 8.6217% | 6,163 |
| Core capital (leverage) ratio | 8.5860% | 5,642 |
| Tier 1 risk-based capital ratio | 12.8675% | 5,356 |
| Total risk-based capital ratio | 14.1271% | 5,314 |
| Memoranda: | ||
| Average total assets | $55,277,996,000 | 36 |
| Average earning assets | $53,127,702,250 | 35 |
| Average equity | $4,669,232,250 | 43 |
| Average total loans | $37,816,489,250 | 30 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4269% | 4,078 |
| Cost of funding earning assets | 0.6471% | 4,468 |
| Net interest margin | 3.7798% | 3,457 |
| Noninterest income to average assets | 3.3420% | 219 |
| Noninterest expense to average assets | 3.8417% | 1,153 |
| Loan and lease loss provision to assets | 0.9090% | 511 |
| Net operating income to assets | 1.4510% | 1,083 |
| Return on assets (ROA) | 1.4510% | 1,215 |
| Pretax return on assets | 2.2616% | 446 |
| Return on Equity (ROE) | 17.3038% | 600 |
| Retained earnings to average equity (ytd only) | 16.9903% | 182 |
| Net charge-offs to loans | 1.4827% | 676 |
| Credit loss provision to net charge-offs | 88.4296% | 3,092 |
| Earnings coverage of net charge-offs (x) | 3.0845% | 3,510 |
| Efficiency ratio | 53.8651% | 6,326 |
| Assets per employee ($millions) | 10.4652% | 205 |
| Cash dividends to net income (ytd only)* | 1.8117% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0553% | 2,099 |
| Loan loss allowance to noncurrent loans | 233.7371% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.6040% | 5,260 |
| Noncurrent loans to loans | 0.8793% | 4,733 |
| Net loans and leases to total assets | 66.6576% | 2,537 |
| Net loans and leases to deposits | 74.5451% | 3,201 |
| Net loans and leases to core deposits | 89.3700% | 2,050 |
| Total domestic deposits to total assets | 89.4191% | 1,262 |
| Equity capital to assets | 8.5237% | 6,186 |
| Core capital (leverage) ratio | 8.4926% | 5,659 |
| Tier 1 risk-based capital ratio | 12.6403% | 5,462 |
| Total risk-based capital ratio | 13.9006% | 5,434 |
| Memoranda: | ||
| Average total assets | $54,498,659,330 | 36 |
| Average earning assets | $52,920,668,330 | 35 |
| Average equity | $4,569,825,670 | 43 |
| Average total loans | $37,782,310,000 | 30 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4858% | 3,982 |
| Cost of funding earning assets | 0.6724% | 4,518 |
| Net interest margin | 3.8134% | 3,328 |
| Noninterest income to average assets | 3.2683% | 214 |
| Noninterest expense to average assets | 3.7135% | 1,357 |
| Loan and lease loss provision to assets | 0.9690% | 438 |
| Net operating income to assets | 1.4952% | 1,031 |
| Return on assets (ROA) | 1.4952% | 1,151 |
| Pretax return on assets | 2.2869% | 462 |
| Return on Equity (ROE) | 17.9850% | 550 |
| Retained earnings to average equity (ytd only) | 17.9850% | 255 |
| Net charge-offs to loans | 1.5910% | 622 |
| Credit loss provision to net charge-offs | 87.0230% | 2,603 |
| Earnings coverage of net charge-offs (x) | 2.9240% | 3,012 |
| Efficiency ratio | 52.3630% | 6,506 |
| Assets per employee ($millions) | 10.9717% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1272% | 2,030 |
| Loan loss allowance to noncurrent loans | 408.7273% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.3560% | 5,992 |
| Noncurrent loans to loans | 0.5204% | 5,627 |
| Net loans and leases to total assets | 66.0579% | 2,459 |
| Net loans and leases to deposits | 73.6749% | 3,166 |
| Net loans and leases to core deposits | 87.9123% | 2,063 |
| Total domestic deposits to total assets | 89.6613% | 1,263 |
| Equity capital to assets | 8.2496% | 6,314 |
| Core capital (leverage) ratio | 8.2256% | 5,990 |
| Tier 1 risk-based capital ratio | 12.0853% | 5,903 |
| Total risk-based capital ratio | 13.3474% | 5,873 |
| Memoranda: | ||
| Average total assets | $53,816,432,000 | 36 |
| Average earning assets | $52,231,011,000 | 35 |
| Average equity | $4,473,948,000 | 43 |
| Average total loans | $37,664,267,500 | 30 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8655% | 3,523 |
| Cost of funding earning assets | 0.8455% | 4,499 |
| Net interest margin | 4.0200% | 2,788 |
| Noninterest income to average assets | 3.2249% | 195 |
| Noninterest expense to average assets | 4.0011% | 1,037 |
| Loan and lease loss provision to assets | 1.0131% | 931 |
| Net operating income to assets | 1.3254% | 1,185 |
| Return on assets (ROA) | 1.3254% | 1,282 |
| Pretax return on assets | 2.0419% | 488 |
| Return on Equity (ROE) | 15.6704% | 655 |
| Retained earnings to average equity (ytd only) | 12.8556% | 237 |
| Net charge-offs to loans | 1.8086% | 812 |
| Credit loss provision to net charge-offs | 75.9000% | 4,640 |
| Earnings coverage of net charge-offs (x) | 2.2887% | 4,077 |
| Efficiency ratio | 55.7331% | 6,347 |
| Assets per employee ($millions) | 20.8810% | 62 |
| Cash dividends to net income (ytd only)* | 17.9627% | 3,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1517% | 1,892 |
| Loan loss allowance to noncurrent loans | 373.4151% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.4247% | 5,907 |
| Noncurrent loans to loans | 0.5762% | 5,558 |
| Net loans and leases to total assets | 71.0728% | 1,810 |
| Net loans and leases to deposits | 79.5621% | 2,603 |
| Net loans and leases to core deposits | 94.9309% | 1,594 |
| Total domestic deposits to total assets | 89.3300% | 1,343 |
| Equity capital to assets | 8.3810% | 6,270 |
| Core capital (leverage) ratio | 8.3653% | 5,758 |
| Tier 1 risk-based capital ratio | 11.5785% | 6,112 |
| Total risk-based capital ratio | 12.8398% | 6,089 |
| Memoranda: | ||
| Average total assets | $48,807,469,200 | 37 |
| Average earning assets | $46,515,767,000 | 37 |
| Average equity | $4,128,006,200 | 45 |
| Average total loans | $36,022,192,600 | 29 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9158% | 3,485 |
| Cost of funding earning assets | 0.8756% | 4,586 |
| Net interest margin | 4.0402% | 2,733 |
| Noninterest income to average assets | 3.2451% | 194 |
| Noninterest expense to average assets | 3.9784% | 1,031 |
| Loan and lease loss provision to assets | 0.8379% | 1,100 |
| Net operating income to assets | 1.4445% | 1,065 |
| Return on assets (ROA) | 1.4445% | 1,139 |
| Pretax return on assets | 2.2585% | 387 |
| Return on Equity (ROE) | 17.0368% | 563 |
| Retained earnings to average equity (ytd only) | 16.7713% | 154 |
| Net charge-offs to loans | 1.7422% | 784 |
| Credit loss provision to net charge-offs | 64.8869% | 4,640 |
| Earnings coverage of net charge-offs (x) | 2.3978% | 3,927 |
| Efficiency ratio | 55.2337% | 6,368 |
| Assets per employee ($millions) | 20.1945% | 66 |
| Cash dividends to net income (ytd only)* | 1.5584% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2026% | 1,853 |
| Loan loss allowance to noncurrent loans | 394.0792% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.4081% | 6,061 |
| Noncurrent loans to loans | 0.5589% | 5,749 |
| Net loans and leases to total assets | 70.7608% | 1,934 |
| Net loans and leases to deposits | 79.3798% | 2,750 |
| Net loans and leases to core deposits | 91.5642% | 2,046 |
| Total domestic deposits to total assets | 89.1421% | 1,338 |
| Equity capital to assets | 8.6557% | 6,136 |
| Core capital (leverage) ratio | 8.6235% | 5,516 |
| Tier 1 risk-based capital ratio | 11.7633% | 6,060 |
| Total risk-based capital ratio | 13.0247% | 6,048 |
| Memoranda: | ||
| Average total assets | $47,963,915,250 | 37 |
| Average earning assets | $45,466,163,750 | 37 |
| Average equity | $4,066,665,750 | 45 |
| Average total loans | $35,552,102,750 | 29 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9534% | 3,385 |
| Cost of funding earning assets | 0.9020% | 4,649 |
| Net interest margin | 4.0514% | 2,604 |
| Noninterest income to average assets | 3.0592% | 221 |
| Noninterest expense to average assets | 4.0247% | 1,012 |
| Loan and lease loss provision to assets | 1.0323% | 831 |
| Net operating income to assets | 1.1322% | 1,783 |
| Return on assets (ROA) | 1.1322% | 1,858 |
| Pretax return on assets | 1.8150% | 850 |
| Return on Equity (ROE) | 13.4538% | 1,100 |
| Retained earnings to average equity (ytd only) | 13.0459% | 386 |
| Net charge-offs to loans | 1.8284% | 759 |
| Credit loss provision to net charge-offs | 75.5338% | 3,900 |
| Earnings coverage of net charge-offs (x) | 2.0834% | 3,814 |
| Efficiency ratio | 57.5163% | 6,227 |
| Assets per employee ($millions) | 20.1753% | 63 |
| Cash dividends to net income (ytd only)* | 3.0317% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4715% | 1,488 |
| Loan loss allowance to noncurrent loans | 495.4457% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.3684% | 6,217 |
| Noncurrent loans to loans | 0.4988% | 5,906 |
| Net loans and leases to total assets | 71.1283% | 1,971 |
| Net loans and leases to deposits | 79.1506% | 2,944 |
| Net loans and leases to core deposits | 91.5385% | 2,195 |
| Total domestic deposits to total assets | 89.8645% | 1,033 |
| Equity capital to assets | 8.4079% | 6,297 |
| Core capital (leverage) ratio | 8.3846% | 5,732 |
| Tier 1 risk-based capital ratio | 11.3075% | 6,317 |
| Total risk-based capital ratio | 12.5721% | 6,296 |
| Memoranda: | ||
| Average total assets | $47,183,700,330 | 39 |
| Average earning assets | $44,405,632,000 | 38 |
| Average equity | $3,970,811,670 | 47 |
| Average total loans | $35,270,263,000 | 30 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9864% | 3,162 |
| Cost of funding earning assets | 0.9146% | 4,819 |
| Net interest margin | 4.0719% | 2,378 |
| Noninterest income to average assets | 3.0095% | 221 |
| Noninterest expense to average assets | 3.9719% | 1,073 |
| Loan and lease loss provision to assets | 1.2084% | 582 |
| Net operating income to assets | 1.0810% | 1,905 |
| Return on assets (ROA) | 1.0810% | 1,956 |
| Pretax return on assets | 1.6902% | 1,006 |
| Return on Equity (ROE) | 12.8384% | 1,236 |
| Retained earnings to average equity (ytd only) | 12.8384% | 613 |
| Net charge-offs to loans | 1.8968% | 677 |
| Credit loss provision to net charge-offs | 84.1493% | 3,063 |
| Earnings coverage of net charge-offs (x) | 2.0185% | 3,293 |
| Efficiency ratio | 56.7564% | 6,413 |
| Assets per employee ($millions) | 21.5459% | 64 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6669% | 1,241 |
| Loan loss allowance to noncurrent loans | 470.5323% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.4131% | 6,175 |
| Noncurrent loans to loans | 0.5668% | 5,891 |
| Net loans and leases to total assets | 70.1556% | 2,095 |
| Net loans and leases to deposits | 78.0875% | 3,045 |
| Net loans and leases to core deposits | 89.4901% | 2,409 |
| Total domestic deposits to total assets | 89.8423% | 1,248 |
| Equity capital to assets | 8.2586% | 6,211 |
| Core capital (leverage) ratio | 8.2418% | 5,917 |
| Tier 1 risk-based capital ratio | 11.2720% | 6,284 |
| Total risk-based capital ratio | 12.5391% | 6,248 |
| Memoranda: | ||
| Average total assets | $46,383,644,000 | 39 |
| Average earning assets | $43,982,893,500 | 38 |
| Average equity | $3,905,364,500 | 48 |
| Average total loans | $35,116,179,500 | 31 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3831% | 2,756 |
| Cost of funding earning assets | 1.1181% | 5,035 |
| Net interest margin | 4.2650% | 1,937 |
| Noninterest income to average assets | 3.7990% | 174 |
| Noninterest expense to average assets | 4.3691% | 752 |
| Loan and lease loss provision to assets | 1.5686% | 928 |
| Net operating income to assets | 1.1668% | 1,493 |
| Return on assets (ROA) | 1.1668% | 1,570 |
| Pretax return on assets | 1.8944% | 619 |
| Return on Equity (ROE) | 13.4452% | 993 |
| Retained earnings to average equity (ytd only) | 12.9973% | 210 |
| Net charge-offs to loans | 2.1012% | 946 |
| Credit loss provision to net charge-offs | 93.4031% | 4,970 |
| Earnings coverage of net charge-offs (x) | 2.0621% | 4,180 |
| Efficiency ratio | 54.9634% | 6,719 |
| Assets per employee ($millions) | 11.1410% | 188 |
| Cash dividends to net income (ytd only)* | 3.3313% | 3,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6451% | 1,233 |
| Loan loss allowance to noncurrent loans | 412.9896% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.5160% | 5,996 |
| Noncurrent loans to loans | 0.6405% | 5,771 |
| Net loans and leases to total assets | 77.5028% | 1,016 |
| Net loans and leases to deposits | 86.8920% | 1,955 |
| Net loans and leases to core deposits | 99.8575% | 1,631 |
| Total domestic deposits to total assets | 89.1944% | 1,541 |
| Equity capital to assets | 8.5928% | 5,735 |
| Core capital (leverage) ratio | 8.5818% | 5,220 |
| Tier 1 risk-based capital ratio | 10.7764% | 6,509 |
| Total risk-based capital ratio | 12.0436% | 6,459 |
| Memoranda: | ||
| Average total assets | $41,681,574,000 | 41 |
| Average earning assets | $39,416,072,600 | 39 |
| Average equity | $3,617,351,200 | 47 |
| Average total loans | $33,314,831,200 | 31 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4544% | 2,626 |
| Cost of funding earning assets | 1.1635% | 5,066 |
| Net interest margin | 4.2909% | 1,874 |
| Noninterest income to average assets | 3.7616% | 181 |
| Noninterest expense to average assets | 4.2197% | 808 |
| Loan and lease loss provision to assets | 1.6485% | 777 |
| Net operating income to assets | 1.2058% | 1,576 |
| Return on assets (ROA) | 1.2058% | 1,659 |
| Pretax return on assets | 1.9235% | 736 |
| Return on Equity (ROE) | 13.8569% | 1,062 |
| Retained earnings to average equity (ytd only) | 13.5536% | 302 |
| Net charge-offs to loans | 2.1735% | 843 |
| Credit loss provision to net charge-offs | 94.7868% | 4,570 |
| Earnings coverage of net charge-offs (x) | 2.0539% | 4,185 |
| Efficiency ratio | 53.3552% | 6,854 |
| Assets per employee ($millions) | 10.8832% | 214 |
| Cash dividends to net income (ytd only)* | 2.1889% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7107% | 1,074 |
| Loan loss allowance to noncurrent loans | 455.2873% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.4831% | 6,216 |
| Noncurrent loans to loans | 0.5954% | 6,022 |
| Net loans and leases to total assets | 78.2720% | 989 |
| Net loans and leases to deposits | 87.5389% | 2,073 |
| Net loans and leases to core deposits | 99.8301% | 1,865 |
| Total domestic deposits to total assets | 89.4139% | 1,163 |
| Equity capital to assets | 8.5569% | 6,213 |
| Core capital (leverage) ratio | 8.5170% | 5,474 |
| Tier 1 risk-based capital ratio | 10.7136% | 6,625 |
| Total risk-based capital ratio | 11.9793% | 6,589 |
| Memoranda: | ||
| Average total assets | $40,921,964,000 | 41 |
| Average earning assets | $38,433,987,250 | 40 |
| Average equity | $3,561,016,250 | 47 |
| Average total loans | $32,743,310,750 | 32 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4673% | 2,669 |
| Cost of funding earning assets | 1.2038% | 5,112 |
| Net interest margin | 4.2635% | 1,908 |
| Noninterest income to average assets | 3.6163% | 183 |
| Noninterest expense to average assets | 4.1053% | 916 |
| Loan and lease loss provision to assets | 1.7630% | 700 |
| Net operating income to assets | 1.0962% | 1,868 |
| Return on assets (ROA) | 1.0962% | 1,938 |
| Pretax return on assets | 1.7701% | 932 |
| Return on Equity (ROE) | 12.5210% | 1,346 |
| Retained earnings to average equity (ytd only) | 12.0586% | 481 |
| Net charge-offs to loans | 2.3310% | 754 |
| Credit loss provision to net charge-offs | 94.7144% | 4,274 |
| Earnings coverage of net charge-offs (x) | 1.8981% | 4,099 |
| Efficiency ratio | 52.9283% | 6,986 |
| Assets per employee ($millions) | 10.6611% | 213 |
| Cash dividends to net income (ytd only)* | 3.6927% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8113% | 990 |
| Loan loss allowance to noncurrent loans | 468.1538% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.4908% | 6,225 |
| Noncurrent loans to loans | 0.6005% | 6,039 |
| Net loans and leases to total assets | 78.7530% | 1,002 |
| Net loans and leases to deposits | 88.1550% | 2,147 |
| Net loans and leases to core deposits | 99.5764% | 2,064 |
| Total domestic deposits to total assets | 89.3346% | 1,268 |
| Equity capital to assets | 8.5772% | 6,050 |
| Core capital (leverage) ratio | 8.5467% | 5,333 |
| Tier 1 risk-based capital ratio | 10.6528% | 6,563 |
| Total risk-based capital ratio | 11.9134% | 6,552 |
| Memoranda: | ||
| Average total assets | $40,026,277,330 | 41 |
| Average earning assets | $37,759,634,670 | 40 |
| Average equity | $3,504,154,670 | 48 |
| Average total loans | $31,962,847,330 | 33 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5121% | 2,527 |
| Cost of funding earning assets | 1.2617% | 5,056 |
| Net interest margin | 4.2504% | 1,851 |
| Noninterest income to average assets | 3.5563% | 180 |
| Noninterest expense to average assets | 4.1016% | 897 |
| Loan and lease loss provision to assets | 2.0054% | 554 |
| Net operating income to assets | 0.9419% | 2,385 |
| Return on assets (ROA) | 0.9419% | 2,451 |
| Pretax return on assets | 1.4836% | 1,559 |
| Return on Equity (ROE) | 10.6442% | 1,891 |
| Retained earnings to average equity (ytd only) | 10.6442% | 1,001 |
| Net charge-offs to loans | 2.5251% | 646 |
| Credit loss provision to net charge-offs | 100.2425% | 3,378 |
| Earnings coverage of net charge-offs (x) | 1.7440% | 3,686 |
| Efficiency ratio | 53.1533% | 7,048 |
| Assets per employee ($millions) | 10.5723% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9552% | 853 |
| Loan loss allowance to noncurrent loans | 395.5347% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.6063% | 6,002 |
| Noncurrent loans to loans | 0.7471% | 5,829 |
| Net loans and leases to total assets | 78.1710% | 1,119 |
| Net loans and leases to deposits | 87.3329% | 2,349 |
| Net loans and leases to core deposits | 100.6042% | 2,073 |
| Total domestic deposits to total assets | 89.5093% | 1,242 |
| Equity capital to assets | 8.5673% | 5,914 |
| Core capital (leverage) ratio | 8.5431% | 5,302 |
| Tier 1 risk-based capital ratio | 10.7119% | 6,427 |
| Total risk-based capital ratio | 11.9711% | 6,408 |
| Memoranda: | ||
| Average total assets | $39,164,927,000 | 42 |
| Average earning assets | $37,173,891,000 | 42 |
| Average equity | $3,465,790,000 | 48 |
| Average total loans | $31,029,463,000 | 33 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0231% | 6,360 |
| Cost of funding earning assets | 1.4743% | 5,618 |
| Net interest margin | 3.5488% | 4,751 |
| Noninterest income to average assets | 4.4992% | 152 |
| Noninterest expense to average assets | 4.4365% | 848 |
| Loan and lease loss provision to assets | 2.3860% | 846 |
| Net operating income to assets | 0.5499% | 3,527 |
| Return on assets (ROA) | 0.5499% | 3,615 |
| Pretax return on assets | 1.0321% | 2,489 |
| Return on Equity (ROE) | 6.2748% | 3,091 |
| Retained earnings to average equity (ytd only) | 5.9953% | 1,345 |
| Net charge-offs to loans | 1.8790% | 1,324 |
| Credit loss provision to net charge-offs | 161.6312% | 2,739 |
| Earnings coverage of net charge-offs (x) | 2.3155% | 3,994 |
| Efficiency ratio | 55.8956% | 7,032 |
| Assets per employee ($millions) | 9.7337% | 281 |
| Cash dividends to net income (ytd only)* | 4.4539% | 3,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6266% | 1,097 |
| Loan loss allowance to noncurrent loans | 341.4641% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.6029% | 5,951 |
| Noncurrent loans to loans | 0.7692% | 5,729 |
| Net loans and leases to total assets | 75.7732% | 1,861 |
| Net loans and leases to deposits | 85.6308% | 2,977 |
| Net loans and leases to core deposits | 102.3238% | 3,767 |
| Total domestic deposits to total assets | 88.4883% | 1,736 |
| Equity capital to assets | 9.1496% | 4,916 |
| Core capital (leverage) ratio | 9.1363% | 4,220 |
| Tier 1 risk-based capital ratio | 11.1752% | 5,749 |
| Total risk-based capital ratio | 12.4252% | 5,707 |
| Memoranda: | ||
| Average total assets | $35,598,661,400 | 42 |
| Average earning assets | $33,658,829,400 | 41 |
| Average equity | $3,119,778,000 | 50 |
| Average total loans | $27,966,922,000 | 34 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9986% | 6,608 |
| Cost of funding earning assets | 1.5363% | 5,684 |
| Net interest margin | 3.4624% | 5,015 |
| Noninterest income to average assets | 4.6481% | 144 |
| Noninterest expense to average assets | 4.3125% | 901 |
| Loan and lease loss provision to assets | 2.2616% | 756 |
| Net operating income to assets | 0.6658% | 3,330 |
| Return on assets (ROA) | 0.6658% | 3,394 |
| Pretax return on assets | 1.3291% | 1,879 |
| Return on Equity (ROE) | 7.6884% | 2,774 |
| Retained earnings to average equity (ytd only) | 7.6173% | 1,256 |
| Net charge-offs to loans | 1.8402% | 1,096 |
| Credit loss provision to net charge-offs | 156.0388% | 3,055 |
| Earnings coverage of net charge-offs (x) | 2.4774% | 3,991 |
| Efficiency ratio | 53.9885% | 7,236 |
| Assets per employee ($millions) | 9.2325% | 346 |
| Cash dividends to net income (ytd only)* | 0.9248% | 3,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2248% | 1,380 |
| Loan loss allowance to noncurrent loans | 306.5381% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.5943% | 5,965 |
| Noncurrent loans to loans | 0.7258% | 5,856 |
| Net loans and leases to total assets | 79.3126% | 1,324 |
| Net loans and leases to deposits | 89.5024% | 2,672 |
| Net loans and leases to core deposits | 107.3534% | 3,552 |
| Total domestic deposits to total assets | 88.6151% | 1,383 |
| Equity capital to assets | 8.9576% | 5,541 |
| Core capital (leverage) ratio | 8.9326% | 4,762 |
| Tier 1 risk-based capital ratio | 10.1043% | 6,877 |
| Total risk-based capital ratio | 11.3142% | 6,865 |
| Memoranda: | ||
| Average total assets | $35,017,738,000 | 44 |
| Average earning assets | $32,922,014,000 | 43 |
| Average equity | $3,032,286,000 | 52 |
| Average total loans | $27,581,128,750 | 37 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7879% | 7,251 |
| Cost of funding earning assets | 1.5833% | 5,800 |
| Net interest margin | 3.2046% | 5,899 |
| Noninterest income to average assets | 4.8935% | 135 |
| Noninterest expense to average assets | 4.2617% | 999 |
| Loan and lease loss provision to assets | 1.7244% | 972 |
| Net operating income to assets | 0.9177% | 2,386 |
| Return on assets (ROA) | 0.9177% | 2,482 |
| Pretax return on assets | 1.9311% | 652 |
| Return on Equity (ROE) | 10.7271% | 1,781 |
| Retained earnings to average equity (ytd only) | 10.6178% | 625 |
| Net charge-offs to loans | 1.6895% | 1,121 |
| Credit loss provision to net charge-offs | 130.9597% | 3,564 |
| Earnings coverage of net charge-offs (x) | 2.7762% | 3,698 |
| Efficiency ratio | 53.2450% | 7,406 |
| Assets per employee ($millions) | 8.8934% | 369 |
| Cash dividends to net income (ytd only)* | 1.0193% | 3,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8773% | 1,849 |
| Loan loss allowance to noncurrent loans | 282.7571% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.5032% | 6,183 |
| Noncurrent loans to loans | 0.6639% | 5,927 |
| Net loans and leases to total assets | 73.9707% | 2,706 |
| Net loans and leases to deposits | 82.9639% | 4,047 |
| Net loans and leases to core deposits | 98.9618% | 4,602 |
| Total domestic deposits to total assets | 89.1602% | 1,193 |
| Equity capital to assets | 8.5172% | 6,021 |
| Core capital (leverage) ratio | 8.5050% | 5,441 |
| Tier 1 risk-based capital ratio | 9.9189% | 7,020 |
| Total risk-based capital ratio | 11.1311% | 6,991 |
| Memoranda: | ||
| Average total assets | $34,574,197,330 | 47 |
| Average earning assets | $32,622,236,330 | 45 |
| Average equity | $2,957,734,330 | 54 |
| Average total loans | $26,946,568,670 | 38 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9328% | 7,094 |
| Cost of funding earning assets | 1.6274% | 5,914 |
| Net interest margin | 3.3054% | 5,479 |
| Noninterest income to average assets | 3.6536% | 174 |
| Noninterest expense to average assets | 3.9763% | 1,213 |
| Loan and lease loss provision to assets | 1.6155% | 773 |
| Net operating income to assets | 0.8005% | 3,126 |
| Return on assets (ROA) | 0.8005% | 3,286 |
| Pretax return on assets | 1.2013% | 2,625 |
| Return on Equity (ROE) | 9.3358% | 2,598 |
| Retained earnings to average equity (ytd only) | 9.3358% | 1,391 |
| Net charge-offs to loans | 1.7878% | 811 |
| Credit loss provision to net charge-offs | 113.9836% | 3,408 |
| Earnings coverage of net charge-offs (x) | 1.9874% | 3,733 |
| Efficiency ratio | 57.8412% | 6,728 |
| Assets per employee ($millions) | 9.7466% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6431% | 2,335 |
| Loan loss allowance to noncurrent loans | 256.0369% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.4910% | 5,999 |
| Noncurrent loans to loans | 0.6418% | 5,809 |
| Net loans and leases to total assets | 74.8694% | 2,535 |
| Net loans and leases to deposits | 84.7002% | 3,866 |
| Net loans and leases to core deposits | 100.3989% | 4,503 |
| Total domestic deposits to total assets | 88.3934% | 1,526 |
| Equity capital to assets | 8.3242% | 6,355 |
| Core capital (leverage) ratio | 8.3160% | 5,876 |
| Tier 1 risk-based capital ratio | 9.8499% | 7,087 |
| Total risk-based capital ratio | 11.1042% | 6,982 |
| Memoranda: | ||
| Average total assets | $34,016,671,500 | 49 |
| Average earning assets | $32,309,276,000 | 45 |
| Average equity | $2,916,738,500 | 54 |
| Average total loans | $26,967,515,000 | 40 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5864% | 7,114 |
| Cost of funding earning assets | 2.2277% | 5,468 |
| Net interest margin | 3.3587% | 5,827 |
| Noninterest income to average assets | 2.8779% | 211 |
| Noninterest expense to average assets | 4.1052% | 1,272 |
| Loan and lease loss provision to assets | 1.2794% | 1,116 |
| Net operating income to assets | 0.4229% | 5,063 |
| Return on assets (ROA) | 0.5968% | 4,182 |
| Pretax return on assets | 0.9556% | 3,538 |
| Return on Equity (ROE) | 6.8530% | 3,601 |
| Retained earnings to average equity (ytd only) | 6.7171% | 1,259 |
| Net charge-offs to loans | 1.1893% | 1,015 |
| Credit loss provision to net charge-offs | 130.4095% | 4,080 |
| Earnings coverage of net charge-offs (x) | 2.0011% | 5,072 |
| Efficiency ratio | 67.1384% | 4,887 |
| Assets per employee ($millions) | 9.3501% | 317 |
| Cash dividends to net income (ytd only)* | 1.9835% | 4,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5553% | 2,425 |
| Loan loss allowance to noncurrent loans | 270.8176% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.4778% | 5,789 |
| Noncurrent loans to loans | 0.5743% | 5,649 |
| Net loans and leases to total assets | 81.4256% | 1,333 |
| Net loans and leases to deposits | 91.4752% | 3,220 |
| Net loans and leases to core deposits | 107.8782% | 3,983 |
| Total domestic deposits to total assets | 89.0138% | 1,037 |
| Equity capital to assets | 8.8467% | 5,574 |
| Core capital (leverage) ratio | 8.8406% | 4,984 |
| Tier 1 risk-based capital ratio | 9.7132% | 7,063 |
| Total risk-based capital ratio | 10.9666% | 6,965 |
| Memoranda: | ||
| Average total assets | $31,576,213,600 | 51 |
| Average earning assets | $29,994,737,000 | 45 |
| Average equity | $2,749,904,600 | 56 |
| Average total loans | $26,045,816,600 | 40 |