Home > Webster Bank > Performance and Condition Ratios
Webster Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4661% | 1,209 |
| Cost of funding earning assets | 1.9006% | 1,068 |
| Net interest margin | 3.5654% | 2,033 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 1.8840% | 3,864 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 1.2747% | 1,484 |
| Return on assets (ROA) | 1.2381% | 1,542 |
| Pretax return on assets | 1.5531% | 1,323 |
| Return on Equity (ROE) | 10.3400% | 2,394 |
| Retained earnings to average equity (ytd only) | 3.5305% | 3,109 |
| Net charge-offs to loans | 0.2133% | 509 |
| Credit loss provision to net charge-offs | 132.4954% | 1,576 |
| Earnings coverage of net charge-offs (x) | 12.2780% | 2,153 |
| Efficiency ratio | 49.7540% | 3,997 |
| Assets per employee ($millions) | 18.1253% | 128 |
| Cash dividends to net income (ytd only)* | 65.8669% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 1,996 |
| Loan loss allowance to noncurrent loans | 304.4659% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 1,829 |
| Noncurrent loans to loans | 0.4116% | 1,754 |
| Net loans and leases to total assets | 66.9100% | 2,156 |
| Net loans and leases to deposits | 81.8696% | 1,955 |
| Net loans and leases to core deposits | 88.9218% | 2,118 |
| Total domestic deposits to total assets | 81.7200% | 3,179 |
| Equity capital to assets | 12.1949% | 1,069 |
| Core capital (leverage) ratio | 9.6854% | 3,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4745% | 2,077 |
| Memoranda: | ||
| Average total assets | $73,574,955,400 | 36 |
| Average earning assets | $66,520,615,800 | 36 |
| Average equity | $8,806,966,600 | 33 |
| Average total loans | $50,681,535,800 | 32 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4377% | 1,088 |
| Cost of funding earning assets | 1.8292% | 960 |
| Net interest margin | 3.6085% | 1,987 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 1.8434% | 3,891 |
| Loan and lease loss provision to assets | 0.2100% | 519 |
| Net operating income to assets | 1.3278% | 1,477 |
| Return on assets (ROA) | 1.3037% | 1,525 |
| Pretax return on assets | 1.6536% | 1,252 |
| Return on Equity (ROE) | 10.9400% | 2,389 |
| Retained earnings to average equity (ytd only) | 3.3037% | 3,441 |
| Net charge-offs to loans | 0.1949% | 450 |
| Credit loss provision to net charge-offs | 147.0055% | 1,339 |
| Earnings coverage of net charge-offs (x) | 14.0378% | 2,014 |
| Efficiency ratio | 47.9919% | 4,043 |
| Assets per employee ($millions) | 17.3134% | 135 |
| Cash dividends to net income (ytd only)* | 69.8112% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 2,020 |
| Loan loss allowance to noncurrent loans | 296.6522% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 1,833 |
| Noncurrent loans to loans | 0.4273% | 1,762 |
| Net loans and leases to total assets | 67.7500% | 2,076 |
| Net loans and leases to deposits | 81.5217% | 1,935 |
| Net loans and leases to core deposits | 87.4856% | 2,091 |
| Total domestic deposits to total assets | 83.1100% | 2,996 |
| Equity capital to assets | 11.8496% | 1,079 |
| Core capital (leverage) ratio | 9.4757% | 3,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5660% | 2,054 |
| Memoranda: | ||
| Average total assets | $73,249,815,750 | 37 |
| Average earning assets | $66,236,019,750 | 37 |
| Average equity | $8,725,951,750 | 33 |
| Average total loans | $50,668,771,750 | 33 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3379% | 1,030 |
| Cost of funding earning assets | 1.7242% | 855 |
| Net interest margin | 3.6137% | 2,009 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 1.7860% | 4,024 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 1.3486% | 1,454 |
| Return on assets (ROA) | 1.3124% | 1,523 |
| Pretax return on assets | 1.6866% | 1,242 |
| Return on Equity (ROE) | 11.0000% | 2,417 |
| Retained earnings to average equity (ytd only) | 5.2828% | 2,868 |
| Net charge-offs to loans | 0.1761% | 446 |
| Credit loss provision to net charge-offs | 163.2024% | 1,148 |
| Earnings coverage of net charge-offs (x) | 15.9318% | 1,841 |
| Efficiency ratio | 46.4916% | 4,145 |
| Assets per employee ($millions) | 17.3370% | 131 |
| Cash dividends to net income (ytd only)* | 51.9655% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 2,362 |
| Loan loss allowance to noncurrent loans | 292.1471% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.2926% | 1,751 |
| Noncurrent loans to loans | 0.4169% | 1,682 |
| Net loans and leases to total assets | 68.9500% | 1,859 |
| Net loans and leases to deposits | 86.4171% | 1,470 |
| Net loans and leases to core deposits | 93.1319% | 1,615 |
| Total domestic deposits to total assets | 79.7900% | 3,609 |
| Equity capital to assets | 11.9678% | 1,060 |
| Core capital (leverage) ratio | 9.1410% | 3,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2393% | 2,203 |
| Memoranda: | ||
| Average total assets | $73,312,206,333 | 37 |
| Average earning assets | $66,303,416,000 | 37 |
| Average equity | $8,748,733,333 | 33 |
| Average total loans | $50,846,891,333 | 33 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0473% | 1,144 |
| Cost of funding earning assets | 1.3864% | 1,049 |
| Net interest margin | 3.6608% | 1,996 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 1.7614% | 4,097 |
| Loan and lease loss provision to assets | 0.2600% | 353 |
| Net operating income to assets | 1.3562% | 1,521 |
| Return on assets (ROA) | 1.2837% | 1,689 |
| Pretax return on assets | 1.6691% | 1,343 |
| Return on Equity (ROE) | 10.7700% | 2,553 |
| Retained earnings to average equity (ytd only) | 3.8731% | 3,305 |
| Net charge-offs to loans | 0.1944% | 375 |
| Credit loss provision to net charge-offs | 154.2414% | 939 |
| Earnings coverage of net charge-offs (x) | 15.0091% | 1,555 |
| Efficiency ratio | 45.2382% | 4,258 |
| Assets per employee ($millions) | 17.8504% | 125 |
| Cash dividends to net income (ytd only)* | 64.0467% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 2,549 |
| Loan loss allowance to noncurrent loans | 340.2769% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.2431% | 1,905 |
| Noncurrent loans to loans | 0.3528% | 1,880 |
| Net loans and leases to total assets | 67.5500% | 1,892 |
| Net loans and leases to deposits | 90.7736% | 993 |
| Net loans and leases to core deposits | 94.2087% | 1,380 |
| Total domestic deposits to total assets | 74.4200% | 4,263 |
| Equity capital to assets | 11.7916% | 1,062 |
| Core capital (leverage) ratio | 9.4005% | 3,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8911% | 2,429 |
| Memoranda: | ||
| Average total assets | $72,979,786,500 | 40 |
| Average earning assets | $65,990,250,000 | 40 |
| Average equity | $8,696,399,000 | 36 |
| Average total loans | $50,451,832,000 | 36 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1221% | 1,426 |
| Cost of funding earning assets | 0.3980% | 2,125 |
| Net interest margin | 3.7241% | 1,326 |
| Noninterest income to average assets | 0.6900% | 1,336 |
| Noninterest expense to average assets | 2.1599% | 3,129 |
| Loan and lease loss provision to assets | 0.4600% | 135 |
| Net operating income to assets | 1.1686% | 1,897 |
| Return on assets (ROA) | 1.1598% | 1,869 |
| Pretax return on assets | 1.4466% | 1,625 |
| Return on Equity (ROE) | 9.4400% | 2,985 |
| Retained earnings to average equity (ytd only) | 3.1537% | 3,678 |
| Net charge-offs to loans | 0.1609% | 513 |
| Credit loss provision to net charge-offs | 405.4170% | 770 |
| Earnings coverage of net charge-offs (x) | 17.4919% | 1,955 |
| Efficiency ratio | 51.7592% | 4,004 |
| Assets per employee ($millions) | 17.1444% | 139 |
| Cash dividends to net income (ytd only)* | 66.5928% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 2,411 |
| Loan loss allowance to noncurrent loans | 304.8141% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2774% | 1,767 |
| Noncurrent loans to loans | 0.3921% | 1,747 |
| Net loans and leases to total assets | 69.0900% | 1,721 |
| Net loans and leases to deposits | 90.4502% | 1,016 |
| Net loans and leases to core deposits | 94.7091% | 1,262 |
| Total domestic deposits to total assets | 76.3900% | 4,234 |
| Equity capital to assets | 12.0471% | 917 |
| Core capital (leverage) ratio | 9.7695% | 2,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2051% | 2,283 |
| Memoranda: | ||
| Average total assets | $61,498,552,600 | 44 |
| Average earning assets | $55,806,741,400 | 45 |
| Average equity | $7,555,826,400 | 40 |
| Average total loans | $41,813,839,800 | 40 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8595% | 1,587 |
| Cost of funding earning assets | 0.2184% | 3,055 |
| Net interest margin | 3.6411% | 1,294 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.2430% | 2,812 |
| Loan and lease loss provision to assets | 0.5400% | 92 |
| Net operating income to assets | 1.0299% | 2,365 |
| Return on assets (ROA) | 1.0299% | 2,336 |
| Pretax return on assets | 1.2639% | 2,162 |
| Return on Equity (ROE) | 8.3300% | 3,222 |
| Retained earnings to average equity (ytd only) | 1.4861% | 4,140 |
| Net charge-offs to loans | 0.1575% | 411 |
| Credit loss provision to net charge-offs | 493.3546% | 621 |
| Earnings coverage of net charge-offs (x) | 16.9523% | 1,808 |
| Efficiency ratio | 54.1692% | 3,809 |
| Assets per employee ($millions) | 17.1562% | 146 |
| Cash dividends to net income (ytd only)* | 82.1682% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 2,522 |
| Loan loss allowance to noncurrent loans | 285.8220% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.2945% | 1,771 |
| Noncurrent loans to loans | 0.4202% | 1,761 |
| Net loans and leases to total assets | 68.5300% | 1,615 |
| Net loans and leases to deposits | 86.9910% | 1,104 |
| Net loans and leases to core deposits | 88.5744% | 1,383 |
| Total domestic deposits to total assets | 78.7100% | 4,201 |
| Equity capital to assets | 12.1162% | 860 |
| Core capital (leverage) ratio | 9.8517% | 2,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3633% | 2,335 |
| Memoranda: | ||
| Average total assets | $59,081,598,250 | 47 |
| Average earning assets | $53,681,240,750 | 47 |
| Average equity | $7,301,415,750 | 42 |
| Average total loans | $39,825,695,500 | 44 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6753% | 1,605 |
| Cost of funding earning assets | 0.1129% | 4,047 |
| Net interest margin | 3.5624% | 1,153 |
| Noninterest income to average assets | 0.7676% | 1,132 |
| Noninterest expense to average assets | 2.3937% | 2,241 |
| Loan and lease loss provision to assets | 0.7209% | 64 |
| Net operating income to assets | 0.7664% | 3,084 |
| Return on assets (ROA) | 0.7664% | 3,047 |
| Pretax return on assets | 0.8973% | 3,076 |
| Return on Equity (ROE) | 6.1521% | 3,538 |
| Retained earnings to average equity (ytd only) | 2.5553% | 3,601 |
| Net charge-offs to loans | 0.0997% | 592 |
| Credit loss provision to net charge-offs | 1,083.7381% | 381 |
| Earnings coverage of net charge-offs (x) | 24.3625% | 1,478 |
| Efficiency ratio | 58.3241% | 3,514 |
| Assets per employee ($millions) | 16.5770% | 147 |
| Cash dividends to net income (ytd only)* | 58.4653% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2520% | 2,420 |
| Loan loss allowance to noncurrent loans | 242.1544% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.3538% | 1,581 |
| Noncurrent loans to loans | 0.5170% | 1,591 |
| Net loans and leases to total assets | 66.8101% | 1,603 |
| Net loans and leases to deposits | 84.5972% | 1,081 |
| Net loans and leases to core deposits | 85.4482% | 1,377 |
| Total domestic deposits to total assets | 78.8786% | 4,303 |
| Equity capital to assets | 12.7539% | 708 |
| Core capital (leverage) ratio | 10.1472% | 2,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0393% | 2,045 |
| Memoranda: | ||
| Average total assets | $55,791,863,667 | 48 |
| Average earning assets | $50,809,327,667 | 48 |
| Average equity | $6,950,488,667 | 43 |
| Average total loans | $37,159,336,333 | 46 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6310% | 1,425 |
| Cost of funding earning assets | 0.0838% | 4,308 |
| Net interest margin | 3.5472% | 988 |
| Noninterest income to average assets | 0.7867% | 1,074 |
| Noninterest expense to average assets | 2.5240% | 1,823 |
| Loan and lease loss provision to assets | 1.5122% | 29 |
| Net operating income to assets | 0.1728% | 4,370 |
| Return on assets (ROA) | 0.1728% | 4,338 |
| Pretax return on assets | -0.0023% | 4,521 |
| Return on Equity (ROE) | 1.4095% | 4,358 |
| Retained earnings to average equity (ytd only) | 1.4095% | 3,718 |
| Net charge-offs to loans | 0.1085% | 490 |
| Credit loss provision to net charge-offs | 2,117.2340% | 202 |
| Earnings coverage of net charge-offs (x) | 21.1153% | 1,264 |
| Efficiency ratio | 61.3136% | 3,348 |
| Assets per employee ($millions) | 15.7572% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3073% | 2,325 |
| Loan loss allowance to noncurrent loans | 242.1835% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 1,647 |
| Noncurrent loans to loans | 0.5398% | 1,692 |
| Net loans and leases to total assets | 66.1164% | 1,399 |
| Net loans and leases to deposits | 78.6778% | 1,234 |
| Net loans and leases to core deposits | 79.5968% | 1,511 |
| Total domestic deposits to total assets | 83.8784% | 3,794 |
| Equity capital to assets | 13.4156% | 620 |
| Core capital (leverage) ratio | 12.1876% | 1,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4071% | 2,034 |
| Memoranda: | ||
| Average total assets | $49,953,646,000 | 51 |
| Average earning assets | $45,729,273,500 | 50 |
| Average equity | $6,123,299,000 | 48 |
| Average total loans | $32,915,439,000 | 48 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9828% | 3,902 |
| Cost of funding earning assets | 0.0891% | 4,465 |
| Net interest margin | 2.8937% | 3,457 |
| Noninterest income to average assets | 0.8988% | 1,201 |
| Noninterest expense to average assets | 2.0985% | 3,396 |
| Loan and lease loss provision to assets | -0.1594% | 4,641 |
| Net operating income to assets | 1.2886% | 1,634 |
| Return on assets (ROA) | 1.2886% | 1,685 |
| Pretax return on assets | 1.6653% | 1,230 |
| Return on Equity (ROE) | 12.7911% | 1,530 |
| Retained earnings to average equity (ytd only) | 6.9489% | 1,934 |
| Net charge-offs to loans | 0.0177% | 1,929 |
| Credit loss provision to net charge-offs | -1,421.1282% | 3,995 |
| Earnings coverage of net charge-offs (x) | 133.6469% | 727 |
| Efficiency ratio | 57.8520% | 3,470 |
| Assets per employee ($millions) | 12.3910% | 361 |
| Cash dividends to net income (ytd only)* | 45.6737% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3520% | 2,122 |
| Loan loss allowance to noncurrent loans | 267.9051% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.3303% | 1,915 |
| Noncurrent loans to loans | 0.5047% | 1,860 |
| Net loans and leases to total assets | 62.9789% | 1,826 |
| Net loans and leases to deposits | 72.8489% | 1,826 |
| Net loans and leases to core deposits | 74.1324% | 2,066 |
| Total domestic deposits to total assets | 86.0937% | 2,865 |
| Equity capital to assets | 10.1009% | 2,554 |
| Core capital (leverage) ratio | 8.7158% | 3,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6905% | 2,365 |
| Memoranda: | ||
| Average total assets | $33,981,511,000 | 71 |
| Average earning assets | $31,773,642,000 | 67 |
| Average equity | $3,423,386,800 | 69 |
| Average total loans | $21,669,082,600 | 63 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0053% | 3,990 |
| Cost of funding earning assets | 0.0948% | 4,536 |
| Net interest margin | 2.9104% | 3,531 |
| Noninterest income to average assets | 0.8784% | 1,298 |
| Noninterest expense to average assets | 2.0850% | 3,409 |
| Loan and lease loss provision to assets | -0.1583% | 4,697 |
| Net operating income to assets | 1.2885% | 1,854 |
| Return on assets (ROA) | 1.2885% | 1,911 |
| Pretax return on assets | 1.6704% | 1,486 |
| Return on Equity (ROE) | 12.7983% | 1,767 |
| Retained earnings to average equity (ytd only) | 6.5205% | 2,609 |
| Net charge-offs to loans | 0.0314% | 1,433 |
| Credit loss provision to net charge-offs | -777.1975% | 3,788 |
| Earnings coverage of net charge-offs (x) | 75.4432% | 1,016 |
| Efficiency ratio | 57.5907% | 3,336 |
| Assets per employee ($millions) | 12.4355% | 340 |
| Cash dividends to net income (ytd only)* | 49.0521% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4576% | 1,786 |
| Loan loss allowance to noncurrent loans | 309.4783% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.2947% | 2,298 |
| Noncurrent loans to loans | 0.4710% | 2,150 |
| Net loans and leases to total assets | 60.2203% | 2,223 |
| Net loans and leases to deposits | 70.1651% | 2,225 |
| Net loans and leases to core deposits | 71.4292% | 2,474 |
| Total domestic deposits to total assets | 85.3987% | 2,984 |
| Equity capital to assets | 9.8250% | 3,083 |
| Core capital (leverage) ratio | 8.6306% | 3,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8438% | 2,416 |
| Memoranda: | ||
| Average total assets | $33,753,630,500 | 69 |
| Average earning assets | $31,529,926,250 | 66 |
| Average equity | $3,398,103,250 | 71 |
| Average total loans | $21,517,247,500 | 65 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0305% | 3,986 |
| Cost of funding earning assets | 0.1017% | 4,571 |
| Net interest margin | 2.9287% | 3,507 |
| Noninterest income to average assets | 0.8804% | 1,323 |
| Noninterest expense to average assets | 2.1164% | 3,341 |
| Loan and lease loss provision to assets | -0.2892% | 4,830 |
| Net operating income to assets | 1.3828% | 1,617 |
| Return on assets (ROA) | 1.3828% | 1,689 |
| Pretax return on assets | 1.7845% | 1,272 |
| Return on Equity (ROE) | 13.6192% | 1,535 |
| Retained earnings to average equity (ytd only) | 6.5038% | 2,624 |
| Net charge-offs to loans | 0.0387% | 1,246 |
| Credit loss provision to net charge-offs | -1,139.7303% | 3,691 |
| Earnings coverage of net charge-offs (x) | 59.8081% | 969 |
| Efficiency ratio | 58.2191% | 3,254 |
| Assets per employee ($millions) | 11.4870% | 404 |
| Cash dividends to net income (ytd only)* | 52.2455% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 1,837 |
| Loan loss allowance to noncurrent loans | 255.2806% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.3657% | 2,144 |
| Noncurrent loans to loans | 0.5616% | 1,991 |
| Net loans and leases to total assets | 62.7535% | 2,091 |
| Net loans and leases to deposits | 72.5739% | 2,156 |
| Net loans and leases to core deposits | 74.0418% | 2,406 |
| Total domestic deposits to total assets | 86.0117% | 2,737 |
| Equity capital to assets | 10.1312% | 2,742 |
| Core capital (leverage) ratio | 8.7993% | 3,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7516% | 2,455 |
| Memoranda: | ||
| Average total assets | $33,220,114,333 | 69 |
| Average earning assets | $30,982,458,000 | 68 |
| Average equity | $3,372,955,667 | 71 |
| Average total loans | $21,487,895,333 | 66 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0800% | 3,929 |
| Cost of funding earning assets | 0.1097% | 4,589 |
| Net interest margin | 2.9703% | 3,334 |
| Noninterest income to average assets | 0.9138% | 1,291 |
| Noninterest expense to average assets | 2.2290% | 3,012 |
| Loan and lease loss provision to assets | -0.3119% | 4,863 |
| Net operating income to assets | 1.3914% | 1,594 |
| Return on assets (ROA) | 1.3914% | 1,672 |
| Pretax return on assets | 1.7654% | 1,367 |
| Return on Equity (ROE) | 13.6889% | 1,493 |
| Retained earnings to average equity (ytd only) | 6.5256% | 2,718 |
| Net charge-offs to loans | 0.0990% | 692 |
| Credit loss provision to net charge-offs | -484.1007% | 3,159 |
| Earnings coverage of net charge-offs (x) | 22.5095% | 1,207 |
| Efficiency ratio | 60.1542% | 3,013 |
| Assets per employee ($millions) | 10.8221% | 469 |
| Cash dividends to net income (ytd only)* | 52.3291% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5398% | 1,464 |
| Loan loss allowance to noncurrent loans | 218.2996% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.4586% | 2,020 |
| Noncurrent loans to loans | 0.7054% | 1,829 |
| Net loans and leases to total assets | 63.0520% | 2,162 |
| Net loans and leases to deposits | 72.8975% | 2,225 |
| Net loans and leases to core deposits | 76.3411% | 2,320 |
| Total domestic deposits to total assets | 85.9719% | 2,745 |
| Equity capital to assets | 10.0966% | 2,614 |
| Core capital (leverage) ratio | 8.7266% | 3,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1376% | 2,232 |
| Memoranda: | ||
| Average total assets | $32,961,482,500 | 70 |
| Average earning assets | $30,724,456,500 | 69 |
| Average equity | $3,350,425,000 | 71 |
| Average total loans | $21,492,175,000 | 68 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3813% | 4,221 |
| Cost of funding earning assets | 0.3169% | 4,047 |
| Net interest margin | 3.0644% | 3,714 |
| Noninterest income to average assets | 0.8704% | 1,349 |
| Noninterest expense to average assets | 2.3164% | 3,365 |
| Loan and lease loss provision to assets | 0.4293% | 675 |
| Net operating income to assets | 0.7642% | 3,225 |
| Return on assets (ROA) | 0.7643% | 3,349 |
| Pretax return on assets | 0.9653% | 3,155 |
| Return on Equity (ROE) | 7.6559% | 2,940 |
| Retained earnings to average equity (ytd only) | 7.0316% | 1,385 |
| Net charge-offs to loans | 0.2119% | 821 |
| Credit loss provision to net charge-offs | 305.7785% | 1,712 |
| Earnings coverage of net charge-offs (x) | 9.9266% | 2,497 |
| Efficiency ratio | 62.0718% | 3,119 |
| Assets per employee ($millions) | 9.9674% | 535 |
| Cash dividends to net income (ytd only)* | 8.1547% | 3,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6594% | 1,139 |
| Loan loss allowance to noncurrent loans | 213.4186% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.5228% | 1,983 |
| Noncurrent loans to loans | 0.7775% | 1,775 |
| Net loans and leases to total assets | 65.2921% | 2,186 |
| Net loans and leases to deposits | 77.0518% | 2,169 |
| Net loans and leases to core deposits | 81.0426% | 2,272 |
| Total domestic deposits to total assets | 84.2588% | 3,027 |
| Equity capital to assets | 10.2341% | 2,894 |
| Core capital (leverage) ratio | 8.6463% | 4,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7117% | 2,357 |
| Memoranda: | ||
| Average total assets | $32,090,292,600 | 66 |
| Average earning assets | $29,744,890,600 | 64 |
| Average equity | $3,203,479,800 | 70 |
| Average total loans | $21,277,923,400 | 66 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4612% | 4,270 |
| Cost of funding earning assets | 0.3623% | 3,994 |
| Net interest margin | 3.0989% | 3,741 |
| Noninterest income to average assets | 0.8573% | 1,335 |
| Noninterest expense to average assets | 2.2003% | 3,678 |
| Loan and lease loss provision to assets | 0.5789% | 452 |
| Net operating income to assets | 0.7488% | 3,290 |
| Return on assets (ROA) | 0.7489% | 3,393 |
| Pretax return on assets | 0.9484% | 3,241 |
| Return on Equity (ROE) | 7.5502% | 2,990 |
| Retained earnings to average equity (ytd only) | 7.5502% | 1,478 |
| Net charge-offs to loans | 0.2247% | 679 |
| Credit loss provision to net charge-offs | 388.9757% | 1,493 |
| Earnings coverage of net charge-offs (x) | 10.2557% | 2,367 |
| Efficiency ratio | 58.6901% | 3,570 |
| Assets per employee ($millions) | 9.9591% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6897% | 912 |
| Loan loss allowance to noncurrent loans | 227.3298% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.5061% | 2,179 |
| Noncurrent loans to loans | 0.7433% | 1,948 |
| Net loans and leases to total assets | 65.1334% | 2,627 |
| Net loans and leases to deposits | 78.9579% | 2,427 |
| Net loans and leases to core deposits | 83.1062% | 2,573 |
| Total domestic deposits to total assets | 82.1434% | 3,384 |
| Equity capital to assets | 9.9954% | 3,225 |
| Core capital (leverage) ratio | 8.4911% | 4,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4860% | 2,426 |
| Memoranda: | ||
| Average total assets | $31,957,015,750 | 66 |
| Average earning assets | $29,599,676,250 | 63 |
| Average equity | $3,169,671,000 | 71 |
| Average total loans | $21,182,418,000 | 66 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6134% | 4,238 |
| Cost of funding earning assets | 0.4382% | 3,856 |
| Net interest margin | 3.1751% | 3,734 |
| Noninterest income to average assets | 0.8302% | 1,344 |
| Noninterest expense to average assets | 2.1972% | 3,796 |
| Loan and lease loss provision to assets | 0.7342% | 364 |
| Net operating income to assets | 0.6619% | 3,543 |
| Return on assets (ROA) | 0.6620% | 3,633 |
| Pretax return on assets | 0.8376% | 3,485 |
| Return on Equity (ROE) | 6.6922% | 3,255 |
| Retained earnings to average equity (ytd only) | 6.6922% | 1,781 |
| Net charge-offs to loans | 0.2313% | 680 |
| Credit loss provision to net charge-offs | 479.1085% | 1,268 |
| Earnings coverage of net charge-offs (x) | 10.2487% | 2,165 |
| Efficiency ratio | 57.9739% | 3,684 |
| Assets per employee ($millions) | 9.8268% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6407% | 920 |
| Loan loss allowance to noncurrent loans | 206.7708% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.5453% | 2,175 |
| Noncurrent loans to loans | 0.7935% | 1,908 |
| Net loans and leases to total assets | 65.6814% | 2,670 |
| Net loans and leases to deposits | 80.3976% | 2,381 |
| Net loans and leases to core deposits | 84.4566% | 2,572 |
| Total domestic deposits to total assets | 81.4785% | 3,505 |
| Equity capital to assets | 9.8205% | 3,351 |
| Core capital (leverage) ratio | 8.4511% | 4,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2355% | 2,505 |
| Memoranda: | ||
| Average total assets | $31,597,869,000 | 67 |
| Average earning assets | $29,246,225,000 | 65 |
| Average equity | $3,125,591,000 | 73 |
| Average total loans | $20,947,804,000 | 67 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8367% | 4,159 |
| Cost of funding earning assets | 0.5557% | 3,661 |
| Net interest margin | 3.2810% | 3,642 |
| Noninterest income to average assets | 0.9269% | 1,005 |
| Noninterest expense to average assets | 2.2522% | 3,882 |
| Loan and lease loss provision to assets | 0.9795% | 219 |
| Net operating income to assets | 0.5877% | 3,632 |
| Return on assets (ROA) | 0.5878% | 3,690 |
| Pretax return on assets | 0.7301% | 3,596 |
| Return on Equity (ROE) | 5.9199% | 3,342 |
| Retained earnings to average equity (ytd only) | 5.9199% | 1,907 |
| Net charge-offs to loans | 0.1526% | 848 |
| Credit loss provision to net charge-offs | 973.2029% | 585 |
| Earnings coverage of net charge-offs (x) | 16.9661% | 1,510 |
| Efficiency ratio | 56.5350% | 4,154 |
| Assets per employee ($millions) | 9.5875% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6013% | 1,067 |
| Loan loss allowance to noncurrent loans | 205.7227% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.5355% | 2,385 |
| Noncurrent loans to loans | 0.7784% | 2,055 |
| Net loans and leases to total assets | 65.0118% | 2,943 |
| Net loans and leases to deposits | 82.5506% | 2,380 |
| Net loans and leases to core deposits | 87.7276% | 2,546 |
| Total domestic deposits to total assets | 78.4613% | 4,144 |
| Equity capital to assets | 9.7463% | 3,999 |
| Core capital (leverage) ratio | 8.5883% | 4,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7418% | 2,831 |
| Memoranda: | ||
| Average total assets | $31,035,172,000 | 68 |
| Average earning assets | $28,706,417,000 | 66 |
| Average equity | $3,081,589,500 | 72 |
| Average total loans | $20,495,891,000 | 66 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3065% | 3,527 |
| Cost of funding earning assets | 0.6966% | 3,170 |
| Net interest margin | 3.6098% | 3,103 |
| Noninterest income to average assets | 0.9637% | 1,048 |
| Noninterest expense to average assets | 2.4105% | 3,660 |
| Loan and lease loss provision to assets | 0.1302% | 1,648 |
| Net operating income to assets | 1.3944% | 1,359 |
| Return on assets (ROA) | 1.3945% | 1,432 |
| Pretax return on assets | 1.7700% | 1,021 |
| Return on Equity (ROE) | 13.5311% | 1,000 |
| Retained earnings to average equity (ytd only) | 1.4990% | 4,205 |
| Net charge-offs to loans | 0.2132% | 961 |
| Credit loss provision to net charge-offs | 92.0671% | 2,625 |
| Earnings coverage of net charge-offs (x) | 13.4360% | 2,360 |
| Efficiency ratio | 55.6130% | 4,252 |
| Assets per employee ($millions) | 9.2326% | 465 |
| Cash dividends to net income (ytd only)* | 88.9218% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 3,266 |
| Loan loss allowance to noncurrent loans | 138.1457% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.5181% | 2,346 |
| Noncurrent loans to loans | 0.7540% | 2,003 |
| Net loans and leases to total assets | 65.3232% | 3,037 |
| Net loans and leases to deposits | 83.3320% | 2,405 |
| Net loans and leases to core deposits | 88.5937% | 2,556 |
| Total domestic deposits to total assets | 77.9989% | 4,359 |
| Equity capital to assets | 10.1199% | 3,815 |
| Core capital (leverage) ratio | 8.5109% | 4,838 |
| Tier 1 risk-based capital ratio | 11.6125% | 4,567 |
| Total risk-based capital ratio | 12.5840% | 4,597 |
| Memoranda: | ||
| Average total assets | $29,031,768,800 | 68 |
| Average earning assets | $26,917,573,000 | 65 |
| Average equity | $2,991,991,200 | 73 |
| Average total loans | $19,253,283,000 | 67 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3933% | 3,377 |
| Cost of funding earning assets | 0.7048% | 3,192 |
| Net interest margin | 3.6885% | 2,957 |
| Noninterest income to average assets | 0.9788% | 977 |
| Noninterest expense to average assets | 2.4375% | 3,592 |
| Loan and lease loss provision to assets | 0.1478% | 1,289 |
| Net operating income to assets | 1.4356% | 1,373 |
| Return on assets (ROA) | 1.4356% | 1,425 |
| Pretax return on assets | 1.8130% | 1,055 |
| Return on Equity (ROE) | 13.8631% | 1,010 |
| Retained earnings to average equity (ytd only) | 6.2328% | 2,261 |
| Net charge-offs to loans | 0.2450% | 724 |
| Credit loss provision to net charge-offs | 90.8545% | 2,386 |
| Earnings coverage of net charge-offs (x) | 12.0534% | 2,391 |
| Efficiency ratio | 55.1139% | 4,268 |
| Assets per employee ($millions) | 8.9629% | 488 |
| Cash dividends to net income (ytd only)* | 55.0400% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0681% | 3,185 |
| Loan loss allowance to noncurrent loans | 128.3212% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.5562% | 2,336 |
| Noncurrent loans to loans | 0.8324% | 1,909 |
| Net loans and leases to total assets | 64.7313% | 3,211 |
| Net loans and leases to deposits | 81.8981% | 2,694 |
| Net loans and leases to core deposits | 87.5741% | 2,772 |
| Total domestic deposits to total assets | 78.4785% | 4,271 |
| Equity capital to assets | 10.5860% | 3,479 |
| Core capital (leverage) ratio | 9.0382% | 4,608 |
| Tier 1 risk-based capital ratio | 12.3668% | 4,211 |
| Total risk-based capital ratio | 13.3666% | 4,253 |
| Memoranda: | ||
| Average total assets | $28,686,635,250 | 68 |
| Average earning assets | $26,594,634,750 | 65 |
| Average equity | $2,970,564,250 | 74 |
| Average total loans | $19,047,756,250 | 67 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4291% | 3,250 |
| Cost of funding earning assets | 0.6916% | 3,214 |
| Net interest margin | 3.7375% | 2,800 |
| Noninterest income to average assets | 1.0073% | 863 |
| Noninterest expense to average assets | 2.4659% | 3,585 |
| Loan and lease loss provision to assets | 0.1450% | 1,276 |
| Net operating income to assets | 1.4829% | 1,193 |
| Return on assets (ROA) | 1.4829% | 1,243 |
| Pretax return on assets | 1.8627% | 908 |
| Return on Equity (ROE) | 14.4342% | 889 |
| Retained earnings to average equity (ytd only) | 6.8603% | 1,871 |
| Net charge-offs to loans | 0.2245% | 749 |
| Credit loss provision to net charge-offs | 96.7803% | 2,052 |
| Earnings coverage of net charge-offs (x) | 13.3993% | 2,103 |
| Efficiency ratio | 54.8161% | 4,378 |
| Assets per employee ($millions) | 8.6260% | 535 |
| Cash dividends to net income (ytd only)* | 52.4719% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0972% | 3,088 |
| Loan loss allowance to noncurrent loans | 142.3381% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.5270% | 2,447 |
| Noncurrent loans to loans | 0.7708% | 2,058 |
| Net loans and leases to total assets | 65.8906% | 3,124 |
| Net loans and leases to deposits | 83.1363% | 2,590 |
| Net loans and leases to core deposits | 89.1183% | 2,679 |
| Total domestic deposits to total assets | 78.7433% | 4,266 |
| Equity capital to assets | 10.6955% | 3,347 |
| Core capital (leverage) ratio | 9.1956% | 4,460 |
| Tier 1 risk-based capital ratio | 12.2328% | 4,280 |
| Total risk-based capital ratio | 13.2506% | 4,303 |
| Memoranda: | ||
| Average total assets | $28,273,141,000 | 67 |
| Average earning assets | $26,221,009,000 | 65 |
| Average equity | $2,904,720,000 | 73 |
| Average total loans | $18,869,886,000 | 67 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4384% | 3,088 |
| Cost of funding earning assets | 0.6714% | 3,197 |
| Net interest margin | 3.7670% | 2,644 |
| Noninterest income to average assets | 0.9640% | 892 |
| Noninterest expense to average assets | 2.4578% | 3,611 |
| Loan and lease loss provision to assets | 0.1232% | 1,426 |
| Net operating income to assets | 1.5170% | 1,075 |
| Return on assets (ROA) | 1.5170% | 1,101 |
| Pretax return on assets | 1.8813% | 828 |
| Return on Equity (ROE) | 15.0866% | 731 |
| Retained earnings to average equity (ytd only) | 3.6926% | 3,446 |
| Net charge-offs to loans | 0.2050% | 681 |
| Credit loss provision to net charge-offs | 89.9205% | 1,718 |
| Earnings coverage of net charge-offs (x) | 14.6348% | 1,785 |
| Efficiency ratio | 54.7706% | 4,459 |
| Assets per employee ($millions) | 8.5831% | 545 |
| Cash dividends to net income (ytd only)* | 75.5237% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 3,005 |
| Loan loss allowance to noncurrent loans | 133.0076% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.5791% | 2,337 |
| Noncurrent loans to loans | 0.8437% | 1,949 |
| Net loans and leases to total assets | 65.9407% | 3,058 |
| Net loans and leases to deposits | 80.6285% | 2,764 |
| Net loans and leases to core deposits | 86.7321% | 2,799 |
| Total domestic deposits to total assets | 81.2319% | 3,922 |
| Equity capital to assets | 10.5669% | 3,290 |
| Core capital (leverage) ratio | 9.1485% | 4,524 |
| Tier 1 risk-based capital ratio | 12.2426% | 4,329 |
| Total risk-based capital ratio | 13.2918% | 4,329 |
| Memoranda: | ||
| Average total assets | $27,930,983,500 | 69 |
| Average earning assets | $25,937,968,500 | 65 |
| Average equity | $2,808,507,000 | 76 |
| Average total loans | $18,658,867,500 | 68 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2094% | 3,415 |
| Cost of funding earning assets | 0.5687% | 2,932 |
| Net interest margin | 3.6407% | 3,252 |
| Noninterest income to average assets | 1.0239% | 900 |
| Noninterest expense to average assets | 2.5362% | 3,507 |
| Loan and lease loss provision to assets | 0.1553% | 1,353 |
| Net operating income to assets | 1.4081% | 1,404 |
| Return on assets (ROA) | 1.4081% | 1,392 |
| Pretax return on assets | 1.7178% | 1,118 |
| Return on Equity (ROE) | 14.7245% | 892 |
| Retained earnings to average equity (ytd only) | 3.5142% | 3,652 |
| Net charge-offs to loans | 0.1642% | 1,173 |
| Credit loss provision to net charge-offs | 141.6956% | 1,913 |
| Earnings coverage of net charge-offs (x) | 17.0943% | 2,209 |
| Efficiency ratio | 57.1972% | 4,264 |
| Assets per employee ($millions) | 8.4656% | 558 |
| Cash dividends to net income (ytd only)* | 76.1333% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1491% | 2,832 |
| Loan loss allowance to noncurrent loans | 137.1161% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.5842% | 2,285 |
| Noncurrent loans to loans | 0.8380% | 1,932 |
| Net loans and leases to total assets | 66.1516% | 3,107 |
| Net loans and leases to deposits | 82.3627% | 2,684 |
| Net loans and leases to core deposits | 89.1173% | 2,638 |
| Total domestic deposits to total assets | 79.5210% | 4,210 |
| Equity capital to assets | 9.5317% | 4,102 |
| Core capital (leverage) ratio | 8.0637% | 5,220 |
| Tier 1 risk-based capital ratio | 10.8732% | 5,034 |
| Total risk-based capital ratio | 11.9495% | 5,000 |
| Memoranda: | ||
| Average total assets | $27,051,410,800 | 67 |
| Average earning assets | $25,154,652,000 | 67 |
| Average equity | $2,586,927,200 | 78 |
| Average total loans | $18,046,508,000 | 68 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1416% | 3,488 |
| Cost of funding earning assets | 0.5381% | 2,942 |
| Net interest margin | 3.6035% | 3,351 |
| Noninterest income to average assets | 1.0190% | 926 |
| Noninterest expense to average assets | 2.5608% | 3,410 |
| Loan and lease loss provision to assets | 0.1585% | 1,220 |
| Net operating income to assets | 1.3759% | 1,573 |
| Return on assets (ROA) | 1.3759% | 1,575 |
| Pretax return on assets | 1.6502% | 1,419 |
| Return on Equity (ROE) | 14.3755% | 1,018 |
| Retained earnings to average equity (ytd only) | 2.9870% | 4,242 |
| Net charge-offs to loans | 0.1499% | 1,096 |
| Credit loss provision to net charge-offs | 158.7144% | 1,635 |
| Earnings coverage of net charge-offs (x) | 18.1062% | 2,066 |
| Efficiency ratio | 58.2787% | 4,074 |
| Assets per employee ($millions) | 8.3115% | 563 |
| Cash dividends to net income (ytd only)* | 79.2219% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 2,881 |
| Loan loss allowance to noncurrent loans | 138.5048% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.5781% | 2,448 |
| Noncurrent loans to loans | 0.8340% | 2,043 |
| Net loans and leases to total assets | 66.2479% | 3,151 |
| Net loans and leases to deposits | 81.3566% | 2,885 |
| Net loans and leases to core deposits | 87.6846% | 2,858 |
| Total domestic deposits to total assets | 80.9773% | 3,874 |
| Equity capital to assets | 9.4966% | 4,081 |
| Core capital (leverage) ratio | 8.0542% | 5,306 |
| Tier 1 risk-based capital ratio | 10.8400% | 5,107 |
| Total risk-based capital ratio | 11.9277% | 5,092 |
| Memoranda: | ||
| Average total assets | $26,910,550,750 | 67 |
| Average earning assets | $25,020,915,750 | 67 |
| Average equity | $2,575,618,500 | 78 |
| Average total loans | $17,938,133,000 | 68 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0866% | 3,505 |
| Cost of funding earning assets | 0.5173% | 2,875 |
| Net interest margin | 3.5693% | 3,413 |
| Noninterest income to average assets | 1.0067% | 945 |
| Noninterest expense to average assets | 2.5584% | 3,449 |
| Loan and lease loss provision to assets | 0.1607% | 1,158 |
| Net operating income to assets | 1.2972% | 1,785 |
| Return on assets (ROA) | 1.2972% | 1,776 |
| Pretax return on assets | 1.6048% | 1,486 |
| Return on Equity (ROE) | 13.5178% | 1,202 |
| Retained earnings to average equity (ytd only) | 1.8357% | 4,505 |
| Net charge-offs to loans | 0.1592% | 968 |
| Credit loss provision to net charge-offs | 151.7076% | 1,569 |
| Earnings coverage of net charge-offs (x) | 16.6681% | 1,987 |
| Efficiency ratio | 58.8365% | 4,109 |
| Assets per employee ($millions) | 8.0324% | 618 |
| Cash dividends to net income (ytd only)* | 86.4200% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 2,984 |
| Loan loss allowance to noncurrent loans | 147.8358% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.5400% | 2,608 |
| Noncurrent loans to loans | 0.7772% | 2,178 |
| Net loans and leases to total assets | 65.9530% | 3,161 |
| Net loans and leases to deposits | 82.5873% | 2,705 |
| Net loans and leases to core deposits | 88.7424% | 2,662 |
| Total domestic deposits to total assets | 79.5661% | 4,339 |
| Equity capital to assets | 9.5184% | 4,080 |
| Core capital (leverage) ratio | 7.9714% | 5,353 |
| Tier 1 risk-based capital ratio | 10.7562% | 5,167 |
| Total risk-based capital ratio | 11.8312% | 5,135 |
| Memoranda: | ||
| Average total assets | $26,760,275,330 | 67 |
| Average earning assets | $24,869,545,000 | 67 |
| Average equity | $2,568,027,670 | 78 |
| Average total loans | $17,804,788,000 | 68 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9945% | 3,628 |
| Cost of funding earning assets | 0.4876% | 2,886 |
| Net interest margin | 3.5070% | 3,508 |
| Noninterest income to average assets | 1.0129% | 889 |
| Noninterest expense to average assets | 2.4983% | 3,648 |
| Loan and lease loss provision to assets | 0.1653% | 1,080 |
| Net operating income to assets | 1.3188% | 1,579 |
| Return on assets (ROA) | 1.3188% | 1,585 |
| Pretax return on assets | 1.6082% | 1,374 |
| Return on Equity (ROE) | 13.6865% | 1,088 |
| Retained earnings to average equity (ytd only) | -1.9085% | 5,001 |
| Net charge-offs to loans | 0.1277% | 1,032 |
| Credit loss provision to net charge-offs | 194.8627% | 1,062 |
| Earnings coverage of net charge-offs (x) | 20.9066% | 1,451 |
| Efficiency ratio | 58.1451% | 4,319 |
| Assets per employee ($millions) | 8.1030% | 606 |
| Cash dividends to net income (ytd only)* | 113.9445% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 3,081 |
| Loan loss allowance to noncurrent loans | 152.0969% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.5257% | 2,771 |
| Noncurrent loans to loans | 0.7574% | 2,307 |
| Net loans and leases to total assets | 65.8742% | 3,051 |
| Net loans and leases to deposits | 81.4939% | 2,633 |
| Net loans and leases to core deposits | 86.9590% | 2,719 |
| Total domestic deposits to total assets | 80.5419% | 4,306 |
| Equity capital to assets | 9.5157% | 4,076 |
| Core capital (leverage) ratio | 7.8692% | 5,425 |
| Tier 1 risk-based capital ratio | 10.8284% | 5,234 |
| Total risk-based capital ratio | 11.9185% | 5,189 |
| Memoranda: | ||
| Average total assets | $26,617,930,500 | 68 |
| Average earning assets | $24,735,603,000 | 66 |
| Average equity | $2,564,916,500 | 79 |
| Average total loans | $17,685,039,500 | 69 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7706% | 4,143 |
| Cost of funding earning assets | 0.4514% | 2,762 |
| Net interest margin | 3.3193% | 4,098 |
| Noninterest income to average assets | 0.9681% | 1,097 |
| Noninterest expense to average assets | 2.4321% | 3,982 |
| Loan and lease loss provision to assets | 0.1561% | 1,442 |
| Net operating income to assets | 1.0708% | 1,974 |
| Return on assets (ROA) | 1.0704% | 1,999 |
| Pretax return on assets | 1.4597% | 1,780 |
| Return on Equity (ROE) | 11.1585% | 1,414 |
| Retained earnings to average equity (ytd only) | 6.3857% | 1,335 |
| Net charge-offs to loans | 0.2035% | 1,269 |
| Credit loss provision to net charge-offs | 116.1074% | 2,254 |
| Earnings coverage of net charge-offs (x) | 12.0252% | 2,513 |
| Efficiency ratio | 59.6945% | 4,306 |
| Assets per employee ($millions) | 8.0315% | 634 |
| Cash dividends to net income (ytd only)* | 42.7728% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1399% | 3,117 |
| Loan loss allowance to noncurrent loans | 156.9701% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.5027% | 2,881 |
| Noncurrent loans to loans | 0.7262% | 2,392 |
| Net loans and leases to total assets | 65.4817% | 3,160 |
| Net loans and leases to deposits | 81.8985% | 2,726 |
| Net loans and leases to core deposits | 88.2407% | 2,701 |
| Total domestic deposits to total assets | 79.6498% | 4,405 |
| Equity capital to assets | 9.7575% | 3,958 |
| Core capital (leverage) ratio | 8.1438% | 5,380 |
| Tier 1 risk-based capital ratio | 11.2633% | 5,007 |
| Total risk-based capital ratio | 12.3413% | 4,978 |
| Memoranda: | ||
| Average total assets | $26,209,495,400 | 64 |
| Average earning assets | $24,322,330,800 | 63 |
| Average equity | $2,514,247,600 | 78 |
| Average total loans | $17,310,896,400 | 66 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7391% | 4,216 |
| Cost of funding earning assets | 0.4416% | 2,794 |
| Net interest margin | 3.2976% | 4,178 |
| Noninterest income to average assets | 0.9627% | 1,111 |
| Noninterest expense to average assets | 2.4253% | 3,949 |
| Loan and lease loss provision to assets | 0.1423% | 1,486 |
| Net operating income to assets | 1.0233% | 2,454 |
| Return on assets (ROA) | 1.0228% | 2,496 |
| Pretax return on assets | 1.4545% | 1,930 |
| Return on Equity (ROE) | 10.7089% | 1,821 |
| Retained earnings to average equity (ytd only) | 6.4366% | 1,993 |
| Net charge-offs to loans | 0.1578% | 1,295 |
| Credit loss provision to net charge-offs | 136.6508% | 1,803 |
| Earnings coverage of net charge-offs (x) | 15.3399% | 2,234 |
| Efficiency ratio | 59.8974% | 4,236 |
| Assets per employee ($millions) | 8.0567% | 619 |
| Cash dividends to net income (ytd only)* | 39.8945% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 3,173 |
| Loan loss allowance to noncurrent loans | 122.5284% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.6441% | 2,567 |
| Noncurrent loans to loans | 0.9423% | 2,036 |
| Net loans and leases to total assets | 65.5803% | 3,164 |
| Net loans and leases to deposits | 82.2557% | 2,751 |
| Net loans and leases to core deposits | 87.8816% | 2,784 |
| Total domestic deposits to total assets | 79.5534% | 4,421 |
| Equity capital to assets | 9.6851% | 4,256 |
| Core capital (leverage) ratio | 8.0048% | 5,513 |
| Tier 1 risk-based capital ratio | 11.1605% | 5,150 |
| Total risk-based capital ratio | 12.2666% | 5,127 |
| Memoranda: | ||
| Average total assets | $26,139,886,750 | 64 |
| Average earning assets | $24,257,172,000 | 63 |
| Average equity | $2,496,666,250 | 78 |
| Average total loans | $17,252,432,250 | 66 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7084% | 4,205 |
| Cost of funding earning assets | 0.4298% | 2,805 |
| Net interest margin | 3.2786% | 4,176 |
| Noninterest income to average assets | 0.9513% | 1,132 |
| Noninterest expense to average assets | 2.4415% | 3,940 |
| Loan and lease loss provision to assets | 0.1362% | 1,523 |
| Net operating income to assets | 1.0161% | 2,351 |
| Return on assets (ROA) | 1.0154% | 2,394 |
| Pretax return on assets | 1.4139% | 1,957 |
| Return on Equity (ROE) | 10.6820% | 1,766 |
| Retained earnings to average equity (ytd only) | 8.2610% | 1,065 |
| Net charge-offs to loans | 0.1455% | 1,280 |
| Credit loss provision to net charge-offs | 142.0909% | 1,576 |
| Earnings coverage of net charge-offs (x) | 16.1849% | 1,990 |
| Efficiency ratio | 60.7517% | 4,203 |
| Assets per employee ($millions) | 8.0368% | 610 |
| Cash dividends to net income (ytd only)* | 22.6639% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 3,302 |
| Loan loss allowance to noncurrent loans | 119.1895% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.6551% | 2,587 |
| Noncurrent loans to loans | 0.9672% | 2,029 |
| Net loans and leases to total assets | 65.3987% | 3,195 |
| Net loans and leases to deposits | 83.0885% | 2,591 |
| Net loans and leases to core deposits | 88.6145% | 2,650 |
| Total domestic deposits to total assets | 78.5473% | 4,717 |
| Equity capital to assets | 9.6713% | 4,256 |
| Core capital (leverage) ratio | 7.9696% | 5,545 |
| Tier 1 risk-based capital ratio | 11.0836% | 5,205 |
| Total risk-based capital ratio | 12.1803% | 5,193 |
| Memoranda: | ||
| Average total assets | $26,071,342,000 | 64 |
| Average earning assets | $24,183,161,670 | 62 |
| Average equity | $2,478,354,000 | 76 |
| Average total loans | $17,176,814,330 | 66 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6493% | 4,283 |
| Cost of funding earning assets | 0.4136% | 2,869 |
| Net interest margin | 3.2357% | 4,225 |
| Noninterest income to average assets | 0.9389% | 1,142 |
| Noninterest expense to average assets | 2.4327% | 4,022 |
| Loan and lease loss provision to assets | 0.1614% | 1,116 |
| Net operating income to assets | 1.0211% | 2,222 |
| Return on assets (ROA) | 1.0211% | 2,275 |
| Pretax return on assets | 1.3461% | 2,071 |
| Return on Equity (ROE) | 10.8365% | 1,626 |
| Retained earnings to average equity (ytd only) | 9.2053% | 1,016 |
| Net charge-offs to loans | 0.1336% | 1,125 |
| Credit loss provision to net charge-offs | 183.7914% | 1,076 |
| Earnings coverage of net charge-offs (x) | 17.1668% | 1,609 |
| Efficiency ratio | 61.3291% | 4,259 |
| Assets per employee ($millions) | 8.0921% | 596 |
| Cash dividends to net income (ytd only)* | 15.0530% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 3,348 |
| Loan loss allowance to noncurrent loans | 114.1034% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 0.6869% | 2,569 |
| Noncurrent loans to loans | 1.0191% | 2,015 |
| Net loans and leases to total assets | 65.1131% | 3,102 |
| Net loans and leases to deposits | 83.0219% | 2,392 |
| Net loans and leases to core deposits | 88.3744% | 2,509 |
| Total domestic deposits to total assets | 78.3284% | 4,929 |
| Equity capital to assets | 9.5422% | 4,235 |
| Core capital (leverage) ratio | 7.8293% | 5,620 |
| Tier 1 risk-based capital ratio | 10.9562% | 5,333 |
| Total risk-based capital ratio | 12.0638% | 5,323 |
| Memoranda: | ||
| Average total assets | $26,023,047,000 | 63 |
| Average earning assets | $24,138,237,500 | 62 |
| Average equity | $2,452,147,500 | 75 |
| Average total loans | $17,108,690,000 | 66 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5416% | 4,660 |
| Cost of funding earning assets | 0.4022% | 2,978 |
| Net interest margin | 3.1394% | 4,614 |
| Noninterest income to average assets | 1.0014% | 1,138 |
| Noninterest expense to average assets | 2.3948% | 4,311 |
| Loan and lease loss provision to assets | 0.2230% | 982 |
| Net operating income to assets | 0.8851% | 2,906 |
| Return on assets (ROA) | 0.8924% | 2,983 |
| Pretax return on assets | 1.2881% | 2,319 |
| Return on Equity (ROE) | 9.4277% | 2,221 |
| Retained earnings to average equity (ytd only) | 3.3667% | 3,525 |
| Net charge-offs to loans | 0.2265% | 1,229 |
| Credit loss provision to net charge-offs | 152.2150% | 1,796 |
| Earnings coverage of net charge-offs (x) | 10.2437% | 2,659 |
| Efficiency ratio | 60.9051% | 4,435 |
| Assets per employee ($millions) | 8.2346% | 547 |
| Cash dividends to net income (ytd only)* | 64.2896% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1368% | 3,509 |
| Loan loss allowance to noncurrent loans | 144.4039% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.5315% | 3,150 |
| Noncurrent loans to loans | 0.7872% | 2,548 |
| Net loans and leases to total assets | 64.8641% | 3,239 |
| Net loans and leases to deposits | 86.8433% | 2,070 |
| Net loans and leases to core deposits | 92.4615% | 2,254 |
| Total domestic deposits to total assets | 74.5729% | 5,391 |
| Equity capital to assets | 9.3041% | 4,472 |
| Core capital (leverage) ratio | 7.7042% | 5,705 |
| Tier 1 risk-based capital ratio | 10.6080% | 5,525 |
| Total risk-based capital ratio | 11.6801% | 5,546 |
| Memoranda: | ||
| Average total assets | $25,272,805,800 | 63 |
| Average earning assets | $23,297,248,800 | 62 |
| Average equity | $2,392,335,000 | 71 |
| Average total loans | $16,341,437,000 | 64 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5386% | 4,714 |
| Cost of funding earning assets | 0.4022% | 2,999 |
| Net interest margin | 3.1364% | 4,680 |
| Noninterest income to average assets | 1.0180% | 1,109 |
| Noninterest expense to average assets | 2.3814% | 4,330 |
| Loan and lease loss provision to assets | 0.2331% | 846 |
| Net operating income to assets | 0.8958% | 2,927 |
| Return on assets (ROA) | 0.9056% | 3,011 |
| Pretax return on assets | 1.3050% | 2,411 |
| Return on Equity (ROE) | 9.5246% | 2,265 |
| Retained earnings to average equity (ytd only) | 3.0940% | 4,056 |
| Net charge-offs to loans | 0.2552% | 920 |
| Credit loss provision to net charge-offs | 141.8405% | 1,847 |
| Earnings coverage of net charge-offs (x) | 9.2715% | 2,686 |
| Efficiency ratio | 60.3560% | 4,490 |
| Assets per employee ($millions) | 8.2865% | 522 |
| Cash dividends to net income (ytd only)* | 67.5152% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 3,693 |
| Loan loss allowance to noncurrent loans | 140.2384% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.5389% | 3,306 |
| Noncurrent loans to loans | 0.8029% | 2,660 |
| Net loans and leases to total assets | 64.4061% | 3,347 |
| Net loans and leases to deposits | 85.2882% | 2,333 |
| Net loans and leases to core deposits | 90.7538% | 2,503 |
| Total domestic deposits to total assets | 75.4030% | 5,300 |
| Equity capital to assets | 9.4569% | 4,706 |
| Core capital (leverage) ratio | 7.7811% | 5,764 |
| Tier 1 risk-based capital ratio | 10.6439% | 5,552 |
| Total risk-based capital ratio | 11.6998% | 5,568 |
| Memoranda: | ||
| Average total assets | $25,077,444,500 | 64 |
| Average earning assets | $23,085,719,500 | 64 |
| Average equity | $2,384,393,000 | 71 |
| Average total loans | $16,153,252,000 | 66 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5491% | 4,748 |
| Cost of funding earning assets | 0.4038% | 2,993 |
| Net interest margin | 3.1453% | 4,705 |
| Noninterest income to average assets | 1.0102% | 1,094 |
| Noninterest expense to average assets | 2.3816% | 4,399 |
| Loan and lease loss provision to assets | 0.2378% | 835 |
| Net operating income to assets | 0.8976% | 2,875 |
| Return on assets (ROA) | 0.9126% | 2,934 |
| Pretax return on assets | 1.3043% | 2,388 |
| Return on Equity (ROE) | 9.5809% | 2,240 |
| Retained earnings to average equity (ytd only) | 2.4125% | 4,351 |
| Net charge-offs to loans | 0.3025% | 785 |
| Credit loss provision to net charge-offs | 122.5064% | 1,837 |
| Earnings coverage of net charge-offs (x) | 7.8340% | 2,590 |
| Efficiency ratio | 60.3989% | 4,589 |
| Assets per employee ($millions) | 8.4885% | 478 |
| Cash dividends to net income (ytd only)* | 74.8200% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1052% | 3,918 |
| Loan loss allowance to noncurrent loans | 129.8445% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.5702% | 3,310 |
| Noncurrent loans to loans | 0.8512% | 2,614 |
| Net loans and leases to total assets | 64.2998% | 3,324 |
| Net loans and leases to deposits | 85.0935% | 2,342 |
| Net loans and leases to core deposits | 90.7393% | 2,463 |
| Total domestic deposits to total assets | 75.4239% | 5,363 |
| Equity capital to assets | 9.5276% | 4,741 |
| Core capital (leverage) ratio | 7.7408% | 5,834 |
| Tier 1 risk-based capital ratio | 10.6840% | 5,590 |
| Total risk-based capital ratio | 11.7161% | 5,600 |
| Memoranda: | ||
| Average total assets | $24,895,955,000 | 65 |
| Average earning assets | $22,890,890,330 | 64 |
| Average equity | $2,371,510,330 | 72 |
| Average total loans | $15,974,339,330 | 67 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5596% | 4,737 |
| Cost of funding earning assets | 0.4117% | 2,937 |
| Net interest margin | 3.1479% | 4,735 |
| Noninterest income to average assets | 1.0239% | 1,025 |
| Noninterest expense to average assets | 2.3764% | 4,436 |
| Loan and lease loss provision to assets | 0.2517% | 696 |
| Net operating income to assets | 0.9261% | 2,618 |
| Return on assets (ROA) | 0.9281% | 2,717 |
| Pretax return on assets | 1.2911% | 2,344 |
| Return on Equity (ROE) | 9.7356% | 2,102 |
| Retained earnings to average equity (ytd only) | 4.6584% | 3,146 |
| Net charge-offs to loans | 0.4149% | 544 |
| Credit loss provision to net charge-offs | 95.1858% | 1,715 |
| Earnings coverage of net charge-offs (x) | 5.8241% | 2,292 |
| Efficiency ratio | 60.0377% | 4,743 |
| Assets per employee ($millions) | 8.1346% | 535 |
| Cash dividends to net income (ytd only)* | 52.1503% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 4,074 |
| Loan loss allowance to noncurrent loans | 120.7490% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.5980% | 3,264 |
| Noncurrent loans to loans | 0.9080% | 2,581 |
| Net loans and leases to total assets | 63.0698% | 3,374 |
| Net loans and leases to deposits | 82.7632% | 2,460 |
| Net loans and leases to core deposits | 88.7776% | 2,482 |
| Total domestic deposits to total assets | 76.0448% | 5,410 |
| Equity capital to assets | 9.5568% | 4,613 |
| Core capital (leverage) ratio | 7.8091% | 5,849 |
| Tier 1 risk-based capital ratio | 10.9901% | 5,510 |
| Total risk-based capital ratio | 12.0147% | 5,533 |
| Memoranda: | ||
| Average total assets | $24,792,089,000 | 64 |
| Average earning assets | $22,780,755,500 | 64 |
| Average equity | $2,363,534,500 | 73 |
| Average total loans | $15,798,813,500 | 68 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5250% | 4,855 |
| Cost of funding earning assets | 0.3903% | 3,260 |
| Net interest margin | 3.1346% | 4,822 |
| Noninterest income to average assets | 0.9785% | 1,239 |
| Noninterest expense to average assets | 2.2749% | 4,862 |
| Loan and lease loss provision to assets | 0.2090% | 1,007 |
| Net operating income to assets | 0.9647% | 2,552 |
| Return on assets (ROA) | 0.9662% | 2,618 |
| Pretax return on assets | 1.3793% | 1,982 |
| Return on Equity (ROE) | 9.8840% | 2,053 |
| Retained earnings to average equity (ytd only) | 5.1135% | 2,339 |
| Net charge-offs to loans | 0.2266% | 1,311 |
| Credit loss provision to net charge-offs | 146.8398% | 1,813 |
| Earnings coverage of net charge-offs (x) | 11.1435% | 2,615 |
| Efficiency ratio | 58.2229% | 5,117 |
| Assets per employee ($millions) | 8.3848% | 484 |
| Cash dividends to net income (ytd only)* | 48.2651% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 3,971 |
| Loan loss allowance to noncurrent loans | 123.1292% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.5965% | 3,294 |
| Noncurrent loans to loans | 0.9047% | 2,528 |
| Net loans and leases to total assets | 62.9717% | 3,418 |
| Net loans and leases to deposits | 85.1828% | 2,218 |
| Net loans and leases to core deposits | 92.1660% | 2,202 |
| Total domestic deposits to total assets | 73.6517% | 5,679 |
| Equity capital to assets | 9.5098% | 4,540 |
| Core capital (leverage) ratio | 7.8494% | 5,889 |
| Tier 1 risk-based capital ratio | 11.0017% | 5,522 |
| Total risk-based capital ratio | 12.0432% | 5,541 |
| Memoranda: | ||
| Average total assets | $23,587,451,400 | 66 |
| Average earning assets | $21,690,686,200 | 65 |
| Average equity | $2,305,830,600 | 71 |
| Average total loans | $14,817,724,800 | 66 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5135% | 4,952 |
| Cost of funding earning assets | 0.3888% | 3,341 |
| Net interest margin | 3.1247% | 4,898 |
| Noninterest income to average assets | 0.9855% | 1,217 |
| Noninterest expense to average assets | 2.2742% | 4,844 |
| Loan and lease loss provision to assets | 0.2030% | 986 |
| Net operating income to assets | 0.9369% | 2,770 |
| Return on assets (ROA) | 0.9386% | 2,864 |
| Pretax return on assets | 1.3850% | 2,079 |
| Return on Equity (ROE) | 9.5330% | 2,302 |
| Retained earnings to average equity (ytd only) | 4.8870% | 2,993 |
| Net charge-offs to loans | 0.1989% | 1,294 |
| Credit loss provision to net charge-offs | 163.0535% | 1,578 |
| Earnings coverage of net charge-offs (x) | 12.7352% | 2,378 |
| Efficiency ratio | 58.2187% | 5,096 |
| Assets per employee ($millions) | 8.4641% | 447 |
| Cash dividends to net income (ytd only)* | 48.7362% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 4,034 |
| Loan loss allowance to noncurrent loans | 107.2426% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 0.6930% | 3,171 |
| Noncurrent loans to loans | 1.0574% | 2,366 |
| Net loans and leases to total assets | 62.6977% | 3,501 |
| Net loans and leases to deposits | 84.4460% | 2,350 |
| Net loans and leases to core deposits | 90.9748% | 2,359 |
| Total domestic deposits to total assets | 74.0826% | 5,704 |
| Equity capital to assets | 9.6890% | 4,529 |
| Core capital (leverage) ratio | 7.8699% | 5,957 |
| Tier 1 risk-based capital ratio | 11.0648% | 5,625 |
| Total risk-based capital ratio | 12.1192% | 5,648 |
| Memoranda: | ||
| Average total assets | $23,317,320,000 | 66 |
| Average earning assets | $21,447,761,750 | 65 |
| Average equity | $2,295,821,750 | 71 |
| Average total loans | $14,594,946,000 | 67 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4988% | 4,983 |
| Cost of funding earning assets | 0.3887% | 3,383 |
| Net interest margin | 3.1101% | 4,945 |
| Noninterest income to average assets | 0.9915% | 1,197 |
| Noninterest expense to average assets | 2.2755% | 4,908 |
| Loan and lease loss provision to assets | 0.1950% | 1,018 |
| Net operating income to assets | 0.9454% | 2,663 |
| Return on assets (ROA) | 0.9485% | 2,758 |
| Pretax return on assets | 1.3868% | 2,040 |
| Return on Equity (ROE) | 9.5805% | 2,265 |
| Retained earnings to average equity (ytd only) | 6.0782% | 2,188 |
| Net charge-offs to loans | 0.1934% | 1,294 |
| Credit loss provision to net charge-offs | 161.8239% | 1,460 |
| Earnings coverage of net charge-offs (x) | 13.0860% | 2,163 |
| Efficiency ratio | 58.3571% | 5,179 |
| Assets per employee ($millions) | 8.1776% | 490 |
| Cash dividends to net income (ytd only)* | 36.5567% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1311% | 4,176 |
| Loan loss allowance to noncurrent loans | 98.8552% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 0.7400% | 3,164 |
| Noncurrent loans to loans | 1.1442% | 2,362 |
| Net loans and leases to total assets | 62.1293% | 3,530 |
| Net loans and leases to deposits | 83.5304% | 2,380 |
| Net loans and leases to core deposits | 90.0134% | 2,349 |
| Total domestic deposits to total assets | 74.2563% | 5,761 |
| Equity capital to assets | 9.8017% | 4,276 |
| Core capital (leverage) ratio | 7.9930% | 5,936 |
| Tier 1 risk-based capital ratio | 11.2820% | 5,586 |
| Total risk-based capital ratio | 12.3343% | 5,593 |
| Memoranda: | ||
| Average total assets | $23,071,453,330 | 64 |
| Average earning assets | $21,225,128,670 | 64 |
| Average equity | $2,284,203,670 | 74 |
| Average total loans | $14,374,972,670 | 68 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5046% | 4,949 |
| Cost of funding earning assets | 0.3909% | 3,400 |
| Net interest margin | 3.1137% | 4,907 |
| Noninterest income to average assets | 0.9942% | 1,131 |
| Noninterest expense to average assets | 2.2792% | 4,935 |
| Loan and lease loss provision to assets | 0.1711% | 1,153 |
| Net operating income to assets | 0.9359% | 2,578 |
| Return on assets (ROA) | 0.9364% | 2,709 |
| Pretax return on assets | 1.4068% | 1,867 |
| Return on Equity (ROE) | 9.4092% | 2,263 |
| Retained earnings to average equity (ytd only) | 5.8833% | 2,557 |
| Net charge-offs to loans | 0.1992% | 1,137 |
| Credit loss provision to net charge-offs | 138.4157% | 1,317 |
| Earnings coverage of net charge-offs (x) | 12.7611% | 1,771 |
| Efficiency ratio | 58.5176% | 5,281 |
| Assets per employee ($millions) | 8.2210% | 496 |
| Cash dividends to net income (ytd only)* | 37.4735% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 4,364 |
| Loan loss allowance to noncurrent loans | 104.8648% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 0.6921% | 3,413 |
| Noncurrent loans to loans | 1.0789% | 2,604 |
| Net loans and leases to total assets | 61.3144% | 3,477 |
| Net loans and leases to deposits | 79.4520% | 2,626 |
| Net loans and leases to core deposits | 85.2698% | 2,621 |
| Total domestic deposits to total assets | 77.0439% | 5,603 |
| Equity capital to assets | 9.9157% | 4,242 |
| Core capital (leverage) ratio | 8.0880% | 5,885 |
| Tier 1 risk-based capital ratio | 11.4737% | 5,570 |
| Total risk-based capital ratio | 12.5300% | 5,584 |
| Memoranda: | ||
| Average total assets | $22,798,772,000 | 65 |
| Average earning assets | $20,956,291,000 | 63 |
| Average equity | $2,268,880,500 | 74 |
| Average total loans | $14,142,048,000 | 69 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6531% | 4,923 |
| Cost of funding earning assets | 0.4005% | 3,684 |
| Net interest margin | 3.2526% | 4,742 |
| Noninterest income to average assets | 0.8938% | 1,518 |
| Noninterest expense to average assets | 2.2679% | 5,196 |
| Loan and lease loss provision to assets | 0.1728% | 1,502 |
| Net operating income to assets | 0.9821% | 2,472 |
| Return on assets (ROA) | 0.9921% | 2,497 |
| Pretax return on assets | 1.4589% | 1,699 |
| Return on Equity (ROE) | 9.6801% | 2,261 |
| Retained earnings to average equity (ytd only) | 5.1550% | 2,495 |
| Net charge-offs to loans | 0.2296% | 1,831 |
| Credit loss provision to net charge-offs | 121.8953% | 1,970 |
| Earnings coverage of net charge-offs (x) | 11.4095% | 2,492 |
| Efficiency ratio | 58.0572% | 5,449 |
| Assets per employee ($millions) | 8.1569% | 508 |
| Cash dividends to net income (ytd only)* | 46.7460% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 4,333 |
| Loan loss allowance to noncurrent loans | 120.4410% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.6159% | 3,740 |
| Noncurrent loans to loans | 0.9467% | 2,959 |
| Net loans and leases to total assets | 61.3367% | 3,592 |
| Net loans and leases to deposits | 86.6897% | 1,892 |
| Net loans and leases to core deposits | 91.5497% | 2,140 |
| Total domestic deposits to total assets | 70.5033% | 6,173 |
| Equity capital to assets | 9.9888% | 4,127 |
| Core capital (leverage) ratio | 8.2723% | 5,799 |
| Tier 1 risk-based capital ratio | 11.9291% | 5,410 |
| Total risk-based capital ratio | 13.0342% | 5,410 |
| Memoranda: | ||
| Average total assets | $21,562,497,200 | 64 |
| Average earning assets | $19,828,927,000 | 63 |
| Average equity | $2,209,924,200 | 73 |
| Average total loans | $13,308,856,800 | 67 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6524% | 4,994 |
| Cost of funding earning assets | 0.4010% | 3,775 |
| Net interest margin | 3.2514% | 4,787 |
| Noninterest income to average assets | 0.8901% | 1,551 |
| Noninterest expense to average assets | 2.2640% | 5,196 |
| Loan and lease loss provision to assets | 0.1735% | 1,418 |
| Net operating income to assets | 0.9824% | 2,529 |
| Return on assets (ROA) | 0.9949% | 2,538 |
| Pretax return on assets | 1.4612% | 1,771 |
| Return on Equity (ROE) | 9.6432% | 2,384 |
| Retained earnings to average equity (ytd only) | 4.7953% | 3,217 |
| Net charge-offs to loans | 0.2418% | 1,594 |
| Credit loss provision to net charge-offs | 116.3961% | 1,956 |
| Earnings coverage of net charge-offs (x) | 10.8430% | 2,497 |
| Efficiency ratio | 57.9812% | 5,448 |
| Assets per employee ($millions) | 7.8893% | 550 |
| Cash dividends to net income (ytd only)* | 50.2727% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 4,472 |
| Loan loss allowance to noncurrent loans | 110.7265% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.6714% | 3,825 |
| Noncurrent loans to loans | 1.0438% | 2,986 |
| Net loans and leases to total assets | 61.3498% | 3,581 |
| Net loans and leases to deposits | 84.5481% | 2,082 |
| Net loans and leases to core deposits | 89.3061% | 2,287 |
| Total domestic deposits to total assets | 72.2899% | 6,157 |
| Equity capital to assets | 10.2511% | 3,862 |
| Core capital (leverage) ratio | 8.2866% | 5,848 |
| Tier 1 risk-based capital ratio | 11.9863% | 5,498 |
| Total risk-based capital ratio | 13.0990% | 5,506 |
| Memoranda: | ||
| Average total assets | $21,324,868,500 | 67 |
| Average earning assets | $19,611,804,750 | 64 |
| Average equity | $2,200,211,250 | 73 |
| Average total loans | $13,144,072,500 | 69 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6631% | 4,968 |
| Cost of funding earning assets | 0.4021% | 3,847 |
| Net interest margin | 3.2610% | 4,734 |
| Noninterest income to average assets | 0.8790% | 1,560 |
| Noninterest expense to average assets | 2.2716% | 5,226 |
| Loan and lease loss provision to assets | 0.1725% | 1,422 |
| Net operating income to assets | 0.9839% | 2,392 |
| Return on assets (ROA) | 1.0112% | 2,351 |
| Pretax return on assets | 1.4732% | 1,629 |
| Return on Equity (ROE) | 9.7787% | 2,252 |
| Retained earnings to average equity (ytd only) | 5.2088% | 2,825 |
| Net charge-offs to loans | 0.2452% | 1,581 |
| Credit loss provision to net charge-offs | 114.3842% | 1,768 |
| Earnings coverage of net charge-offs (x) | 10.6518% | 2,228 |
| Efficiency ratio | 58.1320% | 5,541 |
| Assets per employee ($millions) | 7.6464% | 582 |
| Cash dividends to net income (ytd only)* | 46.7333% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1638% | 4,597 |
| Loan loss allowance to noncurrent loans | 106.1721% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 0.7330% | 3,773 |
| Noncurrent loans to loans | 1.0962% | 3,036 |
| Net loans and leases to total assets | 61.1681% | 3,544 |
| Net loans and leases to deposits | 84.9938% | 1,927 |
| Net loans and leases to core deposits | 89.7196% | 2,152 |
| Total domestic deposits to total assets | 71.6769% | 6,274 |
| Equity capital to assets | 10.3220% | 3,657 |
| Core capital (leverage) ratio | 8.3025% | 5,843 |
| Tier 1 risk-based capital ratio | 11.9629% | 5,564 |
| Total risk-based capital ratio | 13.0750% | 5,564 |
| Memoranda: | ||
| Average total assets | $21,161,819,000 | 66 |
| Average earning assets | $19,459,999,670 | 65 |
| Average equity | $2,188,220,000 | 72 |
| Average total loans | $13,012,314,000 | 68 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6916% | 4,879 |
| Cost of funding earning assets | 0.4031% | 3,934 |
| Net interest margin | 3.2885% | 4,592 |
| Noninterest income to average assets | 0.8640% | 1,506 |
| Noninterest expense to average assets | 2.3050% | 5,181 |
| Loan and lease loss provision to assets | 0.1715% | 1,411 |
| Net operating income to assets | 0.9873% | 2,261 |
| Return on assets (ROA) | 1.0440% | 2,105 |
| Pretax return on assets | 1.4933% | 1,445 |
| Return on Equity (ROE) | 10.0868% | 2,004 |
| Retained earnings to average equity (ytd only) | 10.0868% | 939 |
| Net charge-offs to loans | 0.2479% | 1,331 |
| Credit loss provision to net charge-offs | 112.8810% | 1,516 |
| Earnings coverage of net charge-offs (x) | 10.4254% | 1,860 |
| Efficiency ratio | 58.6988% | 5,581 |
| Assets per employee ($millions) | 7.6808% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1807% | 4,732 |
| Loan loss allowance to noncurrent loans | 104.9955% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.7540% | 3,862 |
| Noncurrent loans to loans | 1.1245% | 3,176 |
| Net loans and leases to total assets | 60.7753% | 3,432 |
| Net loans and leases to deposits | 83.2968% | 1,908 |
| Net loans and leases to core deposits | 88.2378% | 2,066 |
| Total domestic deposits to total assets | 72.7259% | 6,322 |
| Equity capital to assets | 10.4187% | 3,331 |
| Core capital (leverage) ratio | 8.3966% | 5,748 |
| Tier 1 risk-based capital ratio | 12.2359% | 5,481 |
| Total risk-based capital ratio | 13.3658% | 5,496 |
| Memoranda: | ||
| Average total assets | $20,991,952,000 | 66 |
| Average earning assets | $19,308,515,500 | 66 |
| Average equity | $2,172,630,500 | 71 |
| Average total loans | $12,864,989,000 | 67 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6951% | 5,150 |
| Cost of funding earning assets | 0.4409% | 4,208 |
| Net interest margin | 3.2542% | 4,825 |
| Noninterest income to average assets | 0.9575% | 1,504 |
| Noninterest expense to average assets | 2.3709% | 5,161 |
| Loan and lease loss provision to assets | 0.1644% | 2,219 |
| Net operating income to assets | 0.9720% | 2,459 |
| Return on assets (ROA) | 0.9498% | 2,640 |
| Pretax return on assets | 1.3786% | 1,867 |
| Return on Equity (ROE) | 9.2558% | 2,432 |
| Retained earnings to average equity (ytd only) | 4.9518% | 2,623 |
| Net charge-offs to loans | 0.4697% | 1,421 |
| Credit loss provision to net charge-offs | 57.7029% | 3,636 |
| Earnings coverage of net charge-offs (x) | 5.5292% | 3,278 |
| Efficiency ratio | 59.4690% | 5,544 |
| Assets per employee ($millions) | 7.6025% | 574 |
| Cash dividends to net income (ytd only)* | 46.5008% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 4,664 |
| Loan loss allowance to noncurrent loans | 90.9439% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 0.8715% | 3,709 |
| Noncurrent loans to loans | 1.3189% | 2,932 |
| Net loans and leases to total assets | 60.3335% | 3,654 |
| Net loans and leases to deposits | 83.0505% | 2,047 |
| Net loans and leases to core deposits | 86.8498% | 2,365 |
| Total domestic deposits to total assets | 72.4398% | 6,391 |
| Equity capital to assets | 10.2799% | 3,410 |
| Core capital (leverage) ratio | 8.2917% | 5,885 |
| Tier 1 risk-based capital ratio | 12.0157% | 5,603 |
| Total risk-based capital ratio | 13.1529% | 5,612 |
| Memoranda: | ||
| Average total assets | $20,377,519,800 | 63 |
| Average earning assets | $18,714,904,200 | 63 |
| Average equity | $2,091,068,400 | 70 |
| Average total loans | $12,360,227,000 | 67 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6828% | 5,210 |
| Cost of funding earning assets | 0.4499% | 4,276 |
| Net interest margin | 3.2329% | 4,883 |
| Noninterest income to average assets | 0.9563% | 1,591 |
| Noninterest expense to average assets | 2.3764% | 5,090 |
| Loan and lease loss provision to assets | 0.1612% | 2,242 |
| Net operating income to assets | 0.9533% | 2,573 |
| Return on assets (ROA) | 0.9566% | 2,654 |
| Pretax return on assets | 1.3916% | 1,957 |
| Return on Equity (ROE) | 9.3259% | 2,471 |
| Retained earnings to average equity (ytd only) | 4.8356% | 3,207 |
| Net charge-offs to loans | 0.4790% | 1,338 |
| Credit loss provision to net charge-offs | 55.5757% | 3,385 |
| Earnings coverage of net charge-offs (x) | 5.3373% | 3,218 |
| Efficiency ratio | 59.9282% | 5,445 |
| Assets per employee ($millions) | 7.3582% | 623 |
| Cash dividends to net income (ytd only)* | 48.1490% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 4,603 |
| Loan loss allowance to noncurrent loans | 86.2178% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 0.9524% | 3,766 |
| Noncurrent loans to loans | 1.4597% | 2,979 |
| Net loans and leases to total assets | 60.0799% | 3,682 |
| Net loans and leases to deposits | 80.9994% | 2,264 |
| Net loans and leases to core deposits | 84.5332% | 2,592 |
| Total domestic deposits to total assets | 73.9333% | 6,373 |
| Equity capital to assets | 10.2308% | 3,599 |
| Core capital (leverage) ratio | 8.2384% | 6,026 |
| Tier 1 risk-based capital ratio | 12.0177% | 5,771 |
| Total risk-based capital ratio | 13.2140% | 5,736 |
| Memoranda: | ||
| Average total assets | $20,264,171,500 | 63 |
| Average earning assets | $18,605,070,000 | 62 |
| Average equity | $2,078,488,250 | 69 |
| Average total loans | $12,270,136,250 | 67 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6888% | 5,176 |
| Cost of funding earning assets | 0.4661% | 4,249 |
| Net interest margin | 3.2227% | 4,862 |
| Noninterest income to average assets | 0.9896% | 1,557 |
| Noninterest expense to average assets | 2.3930% | 5,078 |
| Loan and lease loss provision to assets | 0.1587% | 2,340 |
| Net operating income to assets | 0.9575% | 2,524 |
| Return on assets (ROA) | 0.9605% | 2,658 |
| Pretax return on assets | 1.3995% | 1,931 |
| Return on Equity (ROE) | 9.3566% | 2,471 |
| Retained earnings to average equity (ytd only) | 4.5250% | 3,390 |
| Net charge-offs to loans | 0.4872% | 1,349 |
| Credit loss provision to net charge-offs | 53.8956% | 3,142 |
| Earnings coverage of net charge-offs (x) | 5.2765% | 2,927 |
| Efficiency ratio | 60.0056% | 5,486 |
| Assets per employee ($millions) | 7.1762% | 671 |
| Cash dividends to net income (ytd only)* | 51.6385% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3259% | 4,379 |
| Loan loss allowance to noncurrent loans | 86.7025% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 0.9655% | 3,845 |
| Noncurrent loans to loans | 1.5292% | 3,006 |
| Net loans and leases to total assets | 59.9374% | 3,664 |
| Net loans and leases to deposits | 80.6002% | 2,234 |
| Net loans and leases to core deposits | 84.1228% | 2,546 |
| Total domestic deposits to total assets | 74.0835% | 6,437 |
| Equity capital to assets | 10.1973% | 3,661 |
| Core capital (leverage) ratio | 8.2250% | 5,985 |
| Tier 1 risk-based capital ratio | 11.9257% | 5,837 |
| Total risk-based capital ratio | 13.1758% | 5,785 |
| Memoranda: | ||
| Average total assets | $20,161,011,670 | 62 |
| Average earning assets | $18,500,863,670 | 62 |
| Average equity | $2,069,701,000 | 69 |
| Average total loans | $12,187,457,670 | 67 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6955% | 5,187 |
| Cost of funding earning assets | 0.4815% | 4,270 |
| Net interest margin | 3.2140% | 4,877 |
| Noninterest income to average assets | 0.9651% | 1,571 |
| Noninterest expense to average assets | 2.4266% | 5,027 |
| Loan and lease loss provision to assets | 0.1493% | 2,386 |
| Net operating income to assets | 0.9167% | 2,574 |
| Return on assets (ROA) | 0.9181% | 2,718 |
| Pretax return on assets | 1.3384% | 2,082 |
| Return on Equity (ROE) | 8.9133% | 2,520 |
| Retained earnings to average equity (ytd only) | 5.0482% | 3,201 |
| Net charge-offs to loans | 0.5542% | 1,094 |
| Credit loss provision to net charge-offs | 44.6721% | 2,696 |
| Earnings coverage of net charge-offs (x) | 4.4453% | 2,554 |
| Efficiency ratio | 61.3942% | 5,394 |
| Assets per employee ($millions) | 7.1879% | 713 |
| Cash dividends to net income (ytd only)* | 43.3633% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 4,304 |
| Loan loss allowance to noncurrent loans | 83.0361% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 1.0436% | 3,850 |
| Noncurrent loans to loans | 1.6707% | 3,040 |
| Net loans and leases to total assets | 59.4296% | 3,528 |
| Net loans and leases to deposits | 80.2389% | 2,045 |
| Net loans and leases to core deposits | 83.6143% | 2,368 |
| Total domestic deposits to total assets | 73.7775% | 6,545 |
| Equity capital to assets | 10.3763% | 3,701 |
| Core capital (leverage) ratio | 8.1250% | 6,024 |
| Tier 1 risk-based capital ratio | 11.8400% | 6,001 |
| Total risk-based capital ratio | 13.0906% | 5,979 |
| Memoranda: | ||
| Average total assets | $20,094,392,000 | 62 |
| Average earning assets | $18,426,180,000 | 62 |
| Average equity | $2,069,816,000 | 69 |
| Average total loans | $12,117,541,000 | 66 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9138% | 5,534 |
| Cost of funding earning assets | 0.5637% | 4,698 |
| Net interest margin | 3.3501% | 5,072 |
| Noninterest income to average assets | 0.9797% | 1,597 |
| Noninterest expense to average assets | 2.5162% | 5,046 |
| Loan and lease loss provision to assets | 0.1108% | 4,248 |
| Net operating income to assets | 0.9874% | 2,393 |
| Return on assets (ROA) | 0.9933% | 2,590 |
| Pretax return on assets | 1.4314% | 1,938 |
| Return on Equity (ROE) | 9.6082% | 2,359 |
| Retained earnings to average equity (ytd only) | 2.6278% | 4,386 |
| Net charge-offs to loans | 0.6684% | 1,763 |
| Credit loss provision to net charge-offs | 27.6144% | 5,162 |
| Earnings coverage of net charge-offs (x) | 3.8214% | 3,588 |
| Efficiency ratio | 61.4416% | 5,325 |
| Assets per employee ($millions) | 7.1247% | 734 |
| Cash dividends to net income (ytd only)* | 72.6507% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4595% | 3,900 |
| Loan loss allowance to noncurrent loans | 90.5174% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 1.0040% | 4,028 |
| Noncurrent loans to loans | 1.6124% | 3,206 |
| Net loans and leases to total assets | 59.4598% | 3,690 |
| Net loans and leases to deposits | 80.9910% | 2,147 |
| Net loans and leases to core deposits | 84.2863% | 2,515 |
| Total domestic deposits to total assets | 73.1042% | 6,612 |
| Equity capital to assets | 10.2248% | 3,861 |
| Core capital (leverage) ratio | 8.1002% | 6,090 |
| Tier 1 risk-based capital ratio | 11.6018% | 6,030 |
| Total risk-based capital ratio | 12.8533% | 5,993 |
| Memoranda: | ||
| Average total assets | $19,400,348,000 | 62 |
| Average earning assets | $17,779,578,000 | 61 |
| Average equity | $2,005,603,000 | 70 |
| Average total loans | $11,647,803,800 | 66 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9520% | 5,656 |
| Cost of funding earning assets | 0.5760% | 4,863 |
| Net interest margin | 3.3760% | 5,110 |
| Noninterest income to average assets | 0.9541% | 1,661 |
| Noninterest expense to average assets | 2.5514% | 4,913 |
| Loan and lease loss provision to assets | 0.0971% | 4,360 |
| Net operating income to assets | 0.9674% | 2,670 |
| Return on assets (ROA) | 0.9814% | 2,830 |
| Pretax return on assets | 1.4203% | 2,174 |
| Return on Equity (ROE) | 9.4665% | 2,606 |
| Retained earnings to average equity (ytd only) | 2.1071% | 5,270 |
| Net charge-offs to loans | 0.7103% | 1,558 |
| Credit loss provision to net charge-offs | 22.8020% | 4,909 |
| Earnings coverage of net charge-offs (x) | 3.5152% | 3,613 |
| Efficiency ratio | 62.3063% | 5,103 |
| Assets per employee ($millions) | 7.0116% | 736 |
| Cash dividends to net income (ytd only)* | 77.7413% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5745% | 3,623 |
| Loan loss allowance to noncurrent loans | 108.2593% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.9027% | 4,476 |
| Noncurrent loans to loans | 1.4544% | 3,625 |
| Net loans and leases to total assets | 59.0421% | 3,956 |
| Net loans and leases to deposits | 79.8240% | 2,413 |
| Net loans and leases to core deposits | 82.6770% | 2,877 |
| Total domestic deposits to total assets | 73.6660% | 6,624 |
| Equity capital to assets | 10.3431% | 4,025 |
| Core capital (leverage) ratio | 8.0973% | 6,232 |
| Tier 1 risk-based capital ratio | 11.7030% | 6,113 |
| Total risk-based capital ratio | 12.9557% | 6,094 |
| Memoranda: | ||
| Average total assets | $19,222,162,750 | 63 |
| Average earning assets | $17,617,885,250 | 62 |
| Average equity | $1,992,873,000 | 71 |
| Average total loans | $11,525,670,000 | 67 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9997% | 5,636 |
| Cost of funding earning assets | 0.5889% | 4,997 |
| Net interest margin | 3.4108% | 5,039 |
| Noninterest income to average assets | 0.9422% | 1,639 |
| Noninterest expense to average assets | 2.6093% | 4,743 |
| Loan and lease loss provision to assets | 0.0944% | 4,371 |
| Net operating income to assets | 0.9461% | 2,677 |
| Return on assets (ROA) | 0.9615% | 2,861 |
| Pretax return on assets | 1.3878% | 2,247 |
| Return on Equity (ROE) | 9.2667% | 2,681 |
| Retained earnings to average equity (ytd only) | 0.1660% | 5,990 |
| Net charge-offs to loans | 0.7653% | 1,438 |
| Credit loss provision to net charge-offs | 20.5808% | 4,597 |
| Earnings coverage of net charge-offs (x) | 3.1819% | 3,465 |
| Efficiency ratio | 63.4023% | 5,008 |
| Assets per employee ($millions) | 6.8342% | 796 |
| Cash dividends to net income (ytd only)* | 98.2082% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7091% | 3,191 |
| Loan loss allowance to noncurrent loans | 120.1050% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.8856% | 4,598 |
| Noncurrent loans to loans | 1.4230% | 3,778 |
| Net loans and leases to total assets | 58.9130% | 4,005 |
| Net loans and leases to deposits | 80.1568% | 2,357 |
| Net loans and leases to core deposits | 83.9142% | 2,702 |
| Total domestic deposits to total assets | 73.0598% | 6,740 |
| Equity capital to assets | 10.2732% | 3,969 |
| Core capital (leverage) ratio | 8.0546% | 6,218 |
| Tier 1 risk-based capital ratio | 11.6388% | 6,150 |
| Total risk-based capital ratio | 12.8929% | 6,125 |
| Memoranda: | ||
| Average total assets | $19,062,048,330 | 64 |
| Average earning assets | $17,475,633,000 | 63 |
| Average equity | $1,977,878,000 | 71 |
| Average total loans | $11,427,936,670 | 67 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0382% | 5,637 |
| Cost of funding earning assets | 0.6001% | 5,125 |
| Net interest margin | 3.4381% | 4,966 |
| Noninterest income to average assets | 0.9517% | 1,563 |
| Noninterest expense to average assets | 2.6374% | 4,672 |
| Loan and lease loss provision to assets | 0.0847% | 4,324 |
| Net operating income to assets | 0.9632% | 2,624 |
| Return on assets (ROA) | 0.9632% | 2,822 |
| Pretax return on assets | 1.3776% | 2,255 |
| Return on Equity (ROE) | 9.2358% | 2,715 |
| Retained earnings to average equity (ytd only) | -4.9759% | 6,579 |
| Net charge-offs to loans | 0.9605% | 1,079 |
| Credit loss provision to net charge-offs | 14.7064% | 3,842 |
| Earnings coverage of net charge-offs (x) | 2.5391% | 3,153 |
| Efficiency ratio | 63.6112% | 5,001 |
| Assets per employee ($millions) | 6.8764% | 802 |
| Cash dividends to net income (ytd only)* | 153.8766% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8492% | 2,842 |
| Loan loss allowance to noncurrent loans | 117.6193% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.9785% | 4,550 |
| Noncurrent loans to loans | 1.5722% | 3,751 |
| Net loans and leases to total assets | 58.4080% | 3,969 |
| Net loans and leases to deposits | 78.4471% | 2,427 |
| Net loans and leases to core deposits | 82.0059% | 2,838 |
| Total domestic deposits to total assets | 74.1391% | 6,732 |
| Equity capital to assets | 10.2809% | 3,752 |
| Core capital (leverage) ratio | 8.0369% | 6,223 |
| Tier 1 risk-based capital ratio | 11.7060% | 6,153 |
| Total risk-based capital ratio | 12.9618% | 6,133 |
| Memoranda: | ||
| Average total assets | $18,891,921,000 | 64 |
| Average earning assets | $17,297,834,000 | 63 |
| Average equity | $1,970,199,500 | 71 |
| Average total loans | $11,327,289,000 | 67 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2502% | 5,918 |
| Cost of funding earning assets | 0.7141% | 5,442 |
| Net interest margin | 3.5361% | 4,995 |
| Noninterest income to average assets | 0.9180% | 1,612 |
| Noninterest expense to average assets | 2.7112% | 4,704 |
| Loan and lease loss provision to assets | 0.1250% | 5,046 |
| Net operating income to assets | 0.9166% | 2,538 |
| Return on assets (ROA) | 0.9300% | 2,600 |
| Pretax return on assets | 1.3200% | 2,054 |
| Return on Equity (ROE) | 8.3538% | 2,738 |
| Retained earnings to average equity (ytd only) | -0.1222% | 5,872 |
| Net charge-offs to loans | 0.9981% | 1,740 |
| Credit loss provision to net charge-offs | 20.4521% | 5,914 |
| Earnings coverage of net charge-offs (x) | 2.3326% | 4,051 |
| Efficiency ratio | 64.7863% | 4,989 |
| Assets per employee ($millions) | 6.7053% | 855 |
| Cash dividends to net income (ytd only)* | 101.4629% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0694% | 2,086 |
| Loan loss allowance to noncurrent loans | 123.2752% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 1.0554% | 4,505 |
| Noncurrent loans to loans | 1.6787% | 3,645 |
| Net loans and leases to total assets | 59.1685% | 4,161 |
| Net loans and leases to deposits | 79.7121% | 2,578 |
| Net loans and leases to core deposits | 82.8991% | 3,042 |
| Total domestic deposits to total assets | 73.8668% | 6,730 |
| Equity capital to assets | 10.5801% | 3,441 |
| Core capital (leverage) ratio | 8.4013% | 5,711 |
| Tier 1 risk-based capital ratio | 12.4004% | 5,534 |
| Total risk-based capital ratio | 13.9539% | 5,281 |
| Memoranda: | ||
| Average total assets | $18,104,383,200 | 66 |
| Average earning assets | $16,482,093,400 | 69 |
| Average equity | $2,015,404,800 | 69 |
| Average total loans | $11,089,095,400 | 65 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3013% | 5,946 |
| Cost of funding earning assets | 0.7365% | 5,553 |
| Net interest margin | 3.5648% | 4,920 |
| Noninterest income to average assets | 0.9324% | 1,542 |
| Noninterest expense to average assets | 2.7486% | 4,538 |
| Loan and lease loss provision to assets | 0.1495% | 4,580 |
| Net operating income to assets | 0.8868% | 2,788 |
| Return on assets (ROA) | 0.9045% | 2,860 |
| Pretax return on assets | 1.3025% | 2,276 |
| Return on Equity (ROE) | 8.0219% | 3,030 |
| Retained earnings to average equity (ytd only) | -0.2496% | 6,021 |
| Net charge-offs to loans | 1.0182% | 1,577 |
| Credit loss provision to net charge-offs | 23.8824% | 5,507 |
| Earnings coverage of net charge-offs (x) | 2.2790% | 3,991 |
| Efficiency ratio | 65.0905% | 4,885 |
| Assets per employee ($millions) | 6.4308% | 980 |
| Cash dividends to net income (ytd only)* | 103.1119% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3230% | 1,653 |
| Loan loss allowance to noncurrent loans | 115.6747% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 1.3350% | 4,139 |
| Noncurrent loans to loans | 2.0082% | 3,357 |
| Net loans and leases to total assets | 59.5221% | 4,224 |
| Net loans and leases to deposits | 78.6327% | 2,868 |
| Net loans and leases to core deposits | 81.5575% | 3,395 |
| Total domestic deposits to total assets | 75.3285% | 6,601 |
| Equity capital to assets | 11.0108% | 3,135 |
| Core capital (leverage) ratio | 8.6134% | 5,530 |
| Tier 1 risk-based capital ratio | 12.6924% | 5,335 |
| Total risk-based capital ratio | 14.2565% | 5,064 |
| Memoranda: | ||
| Average total assets | $17,961,895,500 | 66 |
| Average earning assets | $16,338,167,750 | 68 |
| Average equity | $2,025,313,750 | 69 |
| Average total loans | $11,040,668,000 | 68 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3360% | 5,888 |
| Cost of funding earning assets | 0.7602% | 5,624 |
| Net interest margin | 3.5758% | 4,806 |
| Noninterest income to average assets | 0.8990% | 1,651 |
| Noninterest expense to average assets | 2.7728% | 4,535 |
| Loan and lease loss provision to assets | 0.1677% | 4,257 |
| Net operating income to assets | 0.8337% | 2,932 |
| Return on assets (ROA) | 0.8603% | 2,912 |
| Pretax return on assets | 1.2472% | 2,317 |
| Return on Equity (ROE) | 7.5697% | 3,159 |
| Retained earnings to average equity (ytd only) | 2.6087% | 4,634 |
| Net charge-offs to loans | 1.0051% | 1,565 |
| Credit loss provision to net charge-offs | 27.0651% | 5,030 |
| Earnings coverage of net charge-offs (x) | 2.2212% | 3,724 |
| Efficiency ratio | 66.0761% | 4,861 |
| Assets per employee ($millions) | 6.1135% | 1,123 |
| Cash dividends to net income (ytd only)* | 65.5370% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5506% | 1,371 |
| Loan loss allowance to noncurrent loans | 122.4051% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 1.4432% | 4,048 |
| Noncurrent loans to loans | 2.0838% | 3,370 |
| Net loans and leases to total assets | 60.4530% | 4,193 |
| Net loans and leases to deposits | 77.5444% | 3,213 |
| Net loans and leases to core deposits | 80.1622% | 3,763 |
| Total domestic deposits to total assets | 77.5104% | 6,371 |
| Equity capital to assets | 11.5443% | 2,463 |
| Core capital (leverage) ratio | 8.7325% | 5,172 |
| Tier 1 risk-based capital ratio | 13.0678% | 4,863 |
| Total risk-based capital ratio | 14.6403% | 4,605 |
| Memoranda: | ||
| Average total assets | $17,889,257,670 | 68 |
| Average earning assets | $16,259,556,670 | 70 |
| Average equity | $2,033,168,670 | 71 |
| Average total loans | $11,028,104,330 | 70 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3191% | 5,958 |
| Cost of funding earning assets | 0.7669% | 5,772 |
| Net interest margin | 3.5522% | 4,804 |
| Noninterest income to average assets | 0.9503% | 1,469 |
| Noninterest expense to average assets | 2.8046% | 4,417 |
| Loan and lease loss provision to assets | 0.2228% | 3,430 |
| Net operating income to assets | 0.8036% | 3,014 |
| Return on assets (ROA) | 0.8317% | 2,934 |
| Pretax return on assets | 1.1904% | 2,415 |
| Return on Equity (ROE) | 7.3757% | 3,211 |
| Retained earnings to average equity (ytd only) | 2.3930% | 4,719 |
| Net charge-offs to loans | 1.2226% | 1,139 |
| Credit loss provision to net charge-offs | 29.6586% | 4,123 |
| Earnings coverage of net charge-offs (x) | 1.8275% | 3,392 |
| Efficiency ratio | 66.3890% | 4,971 |
| Assets per employee ($millions) | 6.1869% | 1,077 |
| Cash dividends to net income (ytd only)* | 67.5561% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7060% | 1,199 |
| Loan loss allowance to noncurrent loans | 113.6800% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 1.6775% | 3,736 |
| Noncurrent loans to loans | 2.3803% | 3,111 |
| Net loans and leases to total assets | 59.7424% | 4,319 |
| Net loans and leases to deposits | 75.0835% | 3,569 |
| Net loans and leases to core deposits | 77.9217% | 4,031 |
| Total domestic deposits to total assets | 79.1574% | 6,151 |
| Equity capital to assets | 11.3490% | 2,380 |
| Core capital (leverage) ratio | 8.5390% | 5,374 |
| Tier 1 risk-based capital ratio | 12.8421% | 4,951 |
| Total risk-based capital ratio | 14.4163% | 4,672 |
| Memoranda: | ||
| Average total assets | $17,950,924,000 | 67 |
| Average earning assets | $16,309,680,500 | 69 |
| Average equity | $2,024,274,000 | 70 |
| Average total loans | $11,031,588,500 | 70 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4004% | 6,619 |
| Cost of funding earning assets | 0.9530% | 5,918 |
| Net interest margin | 3.4474% | 5,444 |
| Noninterest income to average assets | 0.9906% | 1,536 |
| Noninterest expense to average assets | 2.9198% | 4,143 |
| Loan and lease loss provision to assets | 0.6447% | 2,559 |
| Net operating income to assets | 0.4256% | 4,431 |
| Return on assets (ROA) | 0.4435% | 4,509 |
| Pretax return on assets | 0.5576% | 4,454 |
| Return on Equity (ROE) | 4.0684% | 4,490 |
| Retained earnings to average equity (ytd only) | 4.0239% | 3,047 |
| Net charge-offs to loans | 1.2284% | 1,823 |
| Credit loss provision to net charge-offs | 85.3887% | 5,324 |
| Earnings coverage of net charge-offs (x) | 1.5629% | 4,568 |
| Efficiency ratio | 70.4536% | 4,077 |
| Assets per employee ($millions) | 6.1633% | 1,104 |
| Cash dividends to net income (ytd only)* | 1.0922% | 3,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9078% | 944 |
| Loan loss allowance to noncurrent loans | 117.4909% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 1.7452% | 3,685 |
| Noncurrent loans to loans | 2.4749% | 3,049 |
| Net loans and leases to total assets | 59.7158% | 4,725 |
| Net loans and leases to deposits | 78.3770% | 3,449 |
| Net loans and leases to core deposits | 80.8533% | 4,086 |
| Total domestic deposits to total assets | 75.6140% | 6,677 |
| Equity capital to assets | 11.2046% | 2,505 |
| Core capital (leverage) ratio | 8.5244% | 5,314 |
| Tier 1 risk-based capital ratio | 12.3933% | 5,122 |
| Total risk-based capital ratio | 14.2662% | 4,550 |
| Memoranda: | ||
| Average total assets | $17,817,749,400 | 65 |
| Average earning assets | $16,069,891,000 | 67 |
| Average equity | $1,942,205,200 | 70 |
| Average total loans | $10,951,128,000 | 70 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4386% | 6,751 |
| Cost of funding earning assets | 1.0015% | 5,932 |
| Net interest margin | 3.4371% | 5,542 |
| Noninterest income to average assets | 0.9956% | 1,476 |
| Noninterest expense to average assets | 2.9746% | 3,840 |
| Loan and lease loss provision to assets | 0.7486% | 2,046 |
| Net operating income to assets | 0.3219% | 5,083 |
| Return on assets (ROA) | 0.3479% | 5,150 |
| Pretax return on assets | 0.3961% | 5,230 |
| Return on Equity (ROE) | 3.2143% | 5,137 |
| Retained earnings to average equity (ytd only) | 3.1694% | 4,208 |
| Net charge-offs to loans | 1.2308% | 1,662 |
| Credit loss provision to net charge-offs | 98.9796% | 4,404 |
| Earnings coverage of net charge-offs (x) | 1.4745% | 4,623 |
| Efficiency ratio | 71.9637% | 3,703 |
| Assets per employee ($millions) | 6.1419% | 1,148 |
| Cash dividends to net income (ytd only)* | 1.3948% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1198% | 752 |
| Loan loss allowance to noncurrent loans | 109.2780% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 1.9794% | 3,493 |
| Noncurrent loans to loans | 2.8549% | 2,796 |
| Net loans and leases to total assets | 59.5304% | 4,996 |
| Net loans and leases to deposits | 76.3455% | 4,117 |
| Net loans and leases to core deposits | 78.9227% | 4,679 |
| Total domestic deposits to total assets | 77.5207% | 6,363 |
| Equity capital to assets | 11.1970% | 2,776 |
| Core capital (leverage) ratio | 8.1246% | 6,157 |
| Tier 1 risk-based capital ratio | 11.8883% | 5,564 |
| Total risk-based capital ratio | 13.7664% | 4,943 |
| Memoranda: | ||
| Average total assets | $17,777,602,250 | 66 |
| Average earning assets | $16,004,155,500 | 67 |
| Average equity | $1,924,155,750 | 70 |
| Average total loans | $10,924,552,750 | 70 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4564% | 6,787 |
| Cost of funding earning assets | 1.0423% | 5,956 |
| Net interest margin | 3.4141% | 5,581 |
| Noninterest income to average assets | 0.9883% | 1,412 |
| Noninterest expense to average assets | 3.0544% | 3,502 |
| Loan and lease loss provision to assets | 0.8432% | 1,724 |
| Net operating income to assets | 0.1651% | 5,679 |
| Return on assets (ROA) | 0.2086% | 5,663 |
| Pretax return on assets | 0.2023% | 5,765 |
| Return on Equity (ROE) | 1.9501% | 5,651 |
| Retained earnings to average equity (ytd only) | 1.9048% | 4,918 |
| Net charge-offs to loans | 1.3190% | 1,437 |
| Credit loss provision to net charge-offs | 104.0265% | 3,921 |
| Earnings coverage of net charge-offs (x) | 1.2361% | 4,580 |
| Efficiency ratio | 74.5247% | 3,361 |
| Assets per employee ($millions) | 6.1440% | 1,128 |
| Cash dividends to net income (ytd only)* | 2.3224% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1714% | 719 |
| Loan loss allowance to noncurrent loans | 107.7130% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 2.0412% | 3,450 |
| Noncurrent loans to loans | 2.9443% | 2,718 |
| Net loans and leases to total assets | 59.3911% | 5,176 |
| Net loans and leases to deposits | 76.3835% | 4,261 |
| Net loans and leases to core deposits | 79.7216% | 4,723 |
| Total domestic deposits to total assets | 77.3092% | 6,430 |
| Equity capital to assets | 11.0563% | 2,802 |
| Core capital (leverage) ratio | 7.9410% | 6,340 |
| Tier 1 risk-based capital ratio | 11.7418% | 5,548 |
| Total risk-based capital ratio | 13.6196% | 4,957 |
| Memoranda: | ||
| Average total assets | $17,788,854,000 | 64 |
| Average earning assets | $15,985,696,670 | 65 |
| Average equity | $1,903,282,330 | 70 |
| Average total loans | $10,931,693,330 | 69 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4399% | 6,922 |
| Cost of funding earning assets | 1.0540% | 6,121 |
| Net interest margin | 3.3859% | 5,636 |
| Noninterest income to average assets | 0.9775% | 1,369 |
| Noninterest expense to average assets | 2.8674% | 4,196 |
| Loan and lease loss provision to assets | 0.9642% | 1,306 |
| Net operating income to assets | 0.1246% | 5,950 |
| Return on assets (ROA) | 0.1353% | 6,029 |
| Pretax return on assets | 0.1982% | 5,880 |
| Return on Equity (ROE) | 1.2858% | 6,034 |
| Retained earnings to average equity (ytd only) | 1.2398% | 5,319 |
| Net charge-offs to loans | 1.4696% | 1,174 |
| Credit loss provision to net charge-offs | 106.6653% | 3,224 |
| Earnings coverage of net charge-offs (x) | 1.2685% | 3,990 |
| Efficiency ratio | 70.6541% | 4,186 |
| Assets per employee ($millions) | 6.2731% | 1,096 |
| Cash dividends to net income (ytd only)* | 3.5797% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1521% | 725 |
| Loan loss allowance to noncurrent loans | 98.3717% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 2.1111% | 3,368 |
| Noncurrent loans to loans | 3.2043% | 2,488 |
| Net loans and leases to total assets | 58.7662% | 5,310 |
| Net loans and leases to deposits | 73.9979% | 4,741 |
| Net loans and leases to core deposits | 77.5771% | 5,075 |
| Total domestic deposits to total assets | 78.9830% | 6,086 |
| Equity capital to assets | 10.7348% | 3,018 |
| Core capital (leverage) ratio | 7.9268% | 6,344 |
| Tier 1 risk-based capital ratio | 11.3762% | 5,790 |
| Total risk-based capital ratio | 13.2392% | 5,168 |
| Memoranda: | ||
| Average total assets | $17,838,957,500 | 64 |
| Average earning assets | $15,997,991,500 | 64 |
| Average equity | $1,877,072,500 | 68 |
| Average total loans | $10,972,758,500 | 68 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7375% | 7,081 |
| Cost of funding earning assets | 1.4837% | 5,577 |
| Net interest margin | 3.2538% | 5,913 |
| Noninterest income to average assets | 1.1285% | 1,212 |
| Noninterest expense to average assets | 2.7923% | 5,006 |
| Loan and lease loss provision to assets | 1.7306% | 1,319 |
| Net operating income to assets | -0.2402% | 5,885 |
| Return on assets (ROA) | -0.3559% | 6,026 |
| Pretax return on assets | -0.6493% | 6,138 |
| Return on Equity (ROE) | -3.4731% | 6,051 |
| Retained earnings to average equity (ytd only) | -3.5213% | 5,795 |
| Net charge-offs to loans | 1.6811% | 1,504 |
| Credit loss provision to net charge-offs | 154.1431% | 2,964 |
| Earnings coverage of net charge-offs (x) | 1.1240% | 4,992 |
| Efficiency ratio | 68.0637% | 4,993 |
| Assets per employee ($millions) | 6.3827% | 1,033 |
| Cash dividends to net income (ytd only)* | -1.3864% | 7,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0915% | 721 |
| Loan loss allowance to noncurrent loans | 92.8940% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 2.2599% | 3,051 |
| Noncurrent loans to loans | 3.3280% | 2,290 |
| Net loans and leases to total assets | 60.4268% | 5,271 |
| Net loans and leases to deposits | 75.7139% | 4,794 |
| Net loans and leases to core deposits | 86.4553% | 5,479 |
| Total domestic deposits to total assets | 79.2672% | 5,911 |
| Equity capital to assets | 10.3065% | 3,396 |
| Core capital (leverage) ratio | 7.4479% | 6,838 |
| Tier 1 risk-based capital ratio | 10.4689% | 6,430 |
| Total risk-based capital ratio | 12.6203% | 5,495 |
| Memoranda: | ||
| Average total assets | $17,491,512,000 | 67 |
| Average earning assets | $15,727,576,600 | 67 |
| Average equity | $1,792,276,200 | 67 |
| Average total loans | $11,681,606,800 | 63 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7907% | 7,135 |
| Cost of funding earning assets | 1.5848% | 5,468 |
| Net interest margin | 3.2059% | 6,001 |
| Noninterest income to average assets | 1.1464% | 1,195 |
| Noninterest expense to average assets | 2.7650% | 5,038 |
| Loan and lease loss provision to assets | 1.8020% | 1,029 |
| Net operating income to assets | -0.2647% | 6,157 |
| Return on assets (ROA) | -0.4210% | 6,339 |
| Pretax return on assets | -0.7829% | 6,534 |
| Return on Equity (ROE) | -4.1147% | 6,353 |
| Retained earnings to average equity (ytd only) | -4.1631% | 6,131 |
| Net charge-offs to loans | 1.6282% | 1,253 |
| Credit loss provision to net charge-offs | 162.9755% | 2,896 |
| Earnings coverage of net charge-offs (x) | 1.1425% | 4,920 |
| Efficiency ratio | 67.8183% | 5,017 |
| Assets per employee ($millions) | 6.4208% | 1,019 |
| Cash dividends to net income (ytd only)* | -1.1750% | 7,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8772% | 739 |
| Loan loss allowance to noncurrent loans | 89.2529% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 2.2863% | 2,998 |
| Noncurrent loans to loans | 3.2236% | 2,348 |
| Net loans and leases to total assets | 62.1296% | 5,222 |
| Net loans and leases to deposits | 78.5674% | 4,646 |
| Net loans and leases to core deposits | 90.3724% | 5,398 |
| Total domestic deposits to total assets | 78.5438% | 5,943 |
| Equity capital to assets | 10.2954% | 3,742 |
| Core capital (leverage) ratio | 7.0752% | 7,382 |
| Tier 1 risk-based capital ratio | 9.6721% | 7,262 |
| Total risk-based capital ratio | 11.8033% | 6,371 |
| Memoranda: | ||
| Average total assets | $17,439,586,250 | 69 |
| Average earning assets | $15,676,894,000 | 70 |
| Average equity | $1,784,304,500 | 70 |
| Average total loans | $11,842,946,750 | 66 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8689% | 7,097 |
| Cost of funding earning assets | 1.6935% | 5,304 |
| Net interest margin | 3.1754% | 5,999 |
| Noninterest income to average assets | 1.1929% | 1,102 |
| Noninterest expense to average assets | 2.7842% | 5,030 |
| Loan and lease loss provision to assets | 1.7380% | 962 |
| Net operating income to assets | -0.2385% | 6,242 |
| Return on assets (ROA) | -0.4303% | 6,484 |
| Pretax return on assets | -0.7819% | 6,673 |
| Return on Equity (ROE) | -4.2149% | 6,505 |
| Retained earnings to average equity (ytd only) | -4.2636% | 6,180 |
| Net charge-offs to loans | 1.3328% | 1,389 |
| Credit loss provision to net charge-offs | 188.3044% | 2,426 |
| Earnings coverage of net charge-offs (x) | 1.3608% | 4,506 |
| Efficiency ratio | 68.0802% | 5,145 |
| Assets per employee ($millions) | 6.1655% | 1,118 |
| Cash dividends to net income (ytd only)* | -1.1551% | 7,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6139% | 812 |
| Loan loss allowance to noncurrent loans | 87.1008% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 2.2289% | 2,915 |
| Noncurrent loans to loans | 3.0010% | 2,406 |
| Net loans and leases to total assets | 65.5708% | 4,654 |
| Net loans and leases to deposits | 84.1901% | 3,846 |
| Net loans and leases to core deposits | 97.3666% | 4,746 |
| Total domestic deposits to total assets | 77.2945% | 6,258 |
| Equity capital to assets | 10.4184% | 3,500 |
| Core capital (leverage) ratio | 7.6380% | 6,843 |
| Tier 1 risk-based capital ratio | 10.1707% | 6,745 |
| Total risk-based capital ratio | 12.2786% | 5,772 |
| Memoranda: | ||
| Average total assets | $17,341,359,670 | 72 |
| Average earning assets | $15,549,423,330 | 73 |
| Average equity | $1,770,470,670 | 74 |
| Average total loans | $12,009,053,330 | 69 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9361% | 7,085 |
| Cost of funding earning assets | 1.7688% | 5,267 |
| Net interest margin | 3.1673% | 5,959 |
| Noninterest income to average assets | 1.1841% | 1,044 |
| Noninterest expense to average assets | 2.6420% | 5,256 |
| Loan and lease loss provision to assets | 1.5174% | 826 |
| Net operating income to assets | -0.1838% | 6,534 |
| Return on assets (ROA) | -0.0520% | 6,460 |
| Pretax return on assets | -0.0054% | 6,383 |
| Return on Equity (ROE) | -0.5143% | 6,469 |
| Retained earnings to average equity (ytd only) | -0.5637% | 5,779 |
| Net charge-offs to loans | 0.9901% | 1,359 |
| Credit loss provision to net charge-offs | 218.2724% | 2,072 |
| Earnings coverage of net charge-offs (x) | 1.9853% | 3,734 |
| Efficiency ratio | 64.8450% | 5,533 |
| Assets per employee ($millions) | 6.0906% | 1,147 |
| Cash dividends to net income (ytd only)* | -9.6000% | 8,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2342% | 1,043 |
| Loan loss allowance to noncurrent loans | 85.4960% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 2.0043% | 2,896 |
| Noncurrent loans to loans | 2.6132% | 2,524 |
| Net loans and leases to total assets | 69.0993% | 3,891 |
| Net loans and leases to deposits | 90.2358% | 2,889 |
| Net loans and leases to core deposits | 106.7244% | 3,827 |
| Total domestic deposits to total assets | 75.9772% | 6,515 |
| Equity capital to assets | 10.5061% | 3,458 |
| Core capital (leverage) ratio | 7.7976% | 6,747 |
| Tier 1 risk-based capital ratio | 9.9119% | 7,022 |
| Total risk-based capital ratio | 11.9672% | 6,077 |
| Memoranda: | ||
| Average total assets | $17,318,639,500 | 73 |
| Average earning assets | $15,518,439,500 | 74 |
| Average equity | $1,749,989,500 | 74 |
| Average total loans | $12,160,249,500 | 70 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6682% | 6,872 |
| Cost of funding earning assets | 2.2003% | 5,596 |
| Net interest margin | 3.4679% | 5,412 |
| Noninterest income to average assets | 1.1087% | 1,277 |
| Noninterest expense to average assets | 3.8101% | 1,735 |
| Loan and lease loss provision to assets | 1.0728% | 1,353 |
| Net operating income to assets | -0.5842% | 6,993 |
| Return on assets (ROA) | -1.4725% | 7,399 |
| Pretax return on assets | -1.7190% | 7,349 |
| Return on Equity (ROE) | -13.4885% | 7,517 |
| Retained earnings to average equity (ytd only) | -14.0188% | 7,403 |
| Net charge-offs to loans | 1.0942% | 1,114 |
| Credit loss provision to net charge-offs | 134.2199% | 3,965 |
| Earnings coverage of net charge-offs (x) | 0.4839% | 5,947 |
| Efficiency ratio | 63.2935% | 5,712 |
| Assets per employee ($millions) | 5.9659% | 1,155 |
| Cash dividends to net income (ytd only)* | -3.9318% | 7,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9299% | 1,363 |
| Loan loss allowance to noncurrent loans | 100.7083% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.4982% | 3,222 |
| Noncurrent loans to loans | 1.9163% | 2,874 |
| Net loans and leases to total assets | 68.4136% | 4,386 |
| Net loans and leases to deposits | 96.1572% | 2,422 |
| Net loans and leases to core deposits | 116.3898% | 3,079 |
| Total domestic deposits to total assets | 70.3450% | 7,239 |
| Equity capital to assets | 9.7106% | 4,413 |
| Core capital (leverage) ratio | 7.3592% | 7,349 |
| Tier 1 risk-based capital ratio | 9.5676% | 7,234 |
| Total risk-based capital ratio | 12.0513% | 5,815 |
| Memoranda: | ||
| Average total assets | $17,271,939,400 | 71 |
| Average earning assets | $15,380,908,000 | 74 |
| Average equity | $1,885,584,000 | 65 |
| Average total loans | $12,617,389,800 | 68 |