Home > Wells Fargo Bank > Performance and Condition Ratios
Wells Fargo 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 | 5.0912% | 1,871 |
| Cost of funding earning assets | 1.5103% | 1,918 |
| Net interest margin | 3.5809% | 2,005 |
| Noninterest income to average assets | 1.2900% | 463 |
| Noninterest expense to average assets | 2.6666% | 1,827 |
| Loan and lease loss provision to assets | 0.3200% | 332 |
| Net operating income to assets | 1.3007% | 1,434 |
| Return on assets (ROA) | 1.2921% | 1,420 |
| Pretax return on assets | 1.5235% | 1,369 |
| Return on Equity (ROE) | 13.5600% | 1,589 |
| Retained earnings to average equity (ytd only) | -0.1887% | 4,106 |
| Net charge-offs to loans | 0.3814% | 275 |
| Credit loss provision to net charge-offs | 160.4892% | 1,406 |
| Earnings coverage of net charge-offs (x) | 9.0794% | 2,313 |
| Efficiency ratio | 58.9054% | 3,199 |
| Assets per employee ($millions) | 8.6786% | 1,121 |
| Cash dividends to net income (ytd only)* | 101.3913% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6153% | 810 |
| Loan loss allowance to noncurrent loans | 121.5832% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.7124% | 727 |
| Noncurrent loans to loans | 1.3286% | 523 |
| Net loans and leases to total assets | 51.3300% | 3,520 |
| Net loans and leases to deposits | 62.7914% | 3,362 |
| Net loans and leases to core deposits | 72.1377% | 3,180 |
| Total domestic deposits to total assets | 80.3400% | 3,408 |
| Equity capital to assets | 9.4025% | 2,423 |
| Core capital (leverage) ratio | 8.4478% | 4,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5599% | 1,663 |
| Memoranda: | ||
| Average total assets | $1,702,211,600,000 | 4 |
| Average earning assets | $1,535,737,800,000 | 3 |
| Average equity | $162,199,400,000 | 4 |
| Average total loans | $911,115,200,000 | 3 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9930% | 1,836 |
| Cost of funding earning assets | 1.3814% | 1,912 |
| Net interest margin | 3.6116% | 1,979 |
| Noninterest income to average assets | 1.3100% | 455 |
| Noninterest expense to average assets | 2.5339% | 2,124 |
| Loan and lease loss provision to assets | 0.3300% | 272 |
| Net operating income to assets | 1.4220% | 1,272 |
| Return on assets (ROA) | 1.4193% | 1,260 |
| Pretax return on assets | 1.7013% | 1,159 |
| Return on Equity (ROE) | 14.8500% | 1,477 |
| Retained earnings to average equity (ytd only) | 1.9241% | 3,739 |
| Net charge-offs to loans | 0.3241% | 274 |
| Credit loss provision to net charge-offs | 192.4290% | 1,149 |
| Earnings coverage of net charge-offs (x) | 11.6345% | 2,089 |
| Efficiency ratio | 55.4146% | 3,450 |
| Assets per employee ($millions) | 8.4113% | 1,155 |
| Cash dividends to net income (ytd only)* | 87.0385% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6015% | 882 |
| Loan loss allowance to noncurrent loans | 124.9270% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.7047% | 801 |
| Noncurrent loans to loans | 1.2819% | 594 |
| Net loans and leases to total assets | 52.4500% | 3,464 |
| Net loans and leases to deposits | 64.1955% | 3,255 |
| Net loans and leases to core deposits | 73.1511% | 3,046 |
| Total domestic deposits to total assets | 80.3600% | 3,480 |
| Equity capital to assets | 9.4697% | 2,115 |
| Core capital (leverage) ratio | 8.5203% | 4,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4128% | 1,747 |
| Memoranda: | ||
| Average total assets | $1,694,453,500,000 | 4 |
| Average earning assets | $1,528,287,000,000 | 4 |
| Average equity | $162,007,000,000 | 4 |
| Average total loans | $912,821,750,000 | 3 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8598% | 1,861 |
| Cost of funding earning assets | 1.2403% | 1,880 |
| Net interest margin | 3.6195% | 1,991 |
| Noninterest income to average assets | 1.3100% | 385 |
| Noninterest expense to average assets | 2.5795% | 1,980 |
| Loan and lease loss provision to assets | 0.3500% | 253 |
| Net operating income to assets | 1.3557% | 1,435 |
| Return on assets (ROA) | 1.3548% | 1,422 |
| Pretax return on assets | 1.6432% | 1,328 |
| Return on Equity (ROE) | 14.1300% | 1,648 |
| Retained earnings to average equity (ytd only) | 1.4242% | 3,840 |
| Net charge-offs to loans | 0.2997% | 281 |
| Credit loss provision to net charge-offs | 225.2555% | 994 |
| Earnings coverage of net charge-offs (x) | 12.3175% | 1,942 |
| Efficiency ratio | 56.2894% | 3,382 |
| Assets per employee ($millions) | 8.0306% | 1,302 |
| Cash dividends to net income (ytd only)* | 89.9171% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5603% | 1,012 |
| Loan loss allowance to noncurrent loans | 134.9753% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.6516% | 815 |
| Noncurrent loans to loans | 1.1560% | 611 |
| Net loans and leases to total assets | 53.7900% | 3,285 |
| Net loans and leases to deposits | 64.8712% | 3,135 |
| Net loans and leases to core deposits | 71.6128% | 3,034 |
| Total domestic deposits to total assets | 81.5500% | 3,320 |
| Equity capital to assets | 9.7518% | 1,999 |
| Core capital (leverage) ratio | 8.6179% | 4,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3940% | 1,764 |
| Memoranda: | ||
| Average total assets | $1,690,974,333,333 | 4 |
| Average earning assets | $1,524,178,666,667 | 4 |
| Average equity | $162,193,333,333 | 4 |
| Average total loans | $914,164,666,667 | 3 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6889% | 1,881 |
| Cost of funding earning assets | 1.0922% | 1,773 |
| Net interest margin | 3.5967% | 2,140 |
| Noninterest income to average assets | 1.3300% | 377 |
| Noninterest expense to average assets | 2.5818% | 2,004 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | 1.4150% | 1,367 |
| Return on assets (ROA) | 1.4137% | 1,341 |
| Pretax return on assets | 1.6930% | 1,281 |
| Return on Equity (ROE) | 14.8600% | 1,579 |
| Retained earnings to average equity (ytd only) | 0.2889% | 3,979 |
| Net charge-offs to loans | 0.2639% | 290 |
| Credit loss provision to net charge-offs | 195.1987% | 838 |
| Earnings coverage of net charge-offs (x) | 14.0116% | 1,573 |
| Efficiency ratio | 56.4055% | 3,365 |
| Assets per employee ($millions) | 8.0480% | 1,314 |
| Cash dividends to net income (ytd only)* | 98.0555% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4336% | 1,488 |
| Loan loss allowance to noncurrent loans | 131.8241% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.6033% | 841 |
| Noncurrent loans to loans | 1.0875% | 654 |
| Net loans and leases to total assets | 53.2700% | 3,258 |
| Net loans and leases to deposits | 63.8940% | 3,095 |
| Net loans and leases to core deposits | 68.6121% | 3,047 |
| Total domestic deposits to total assets | 82.2400% | 3,446 |
| Equity capital to assets | 9.6293% | 2,047 |
| Core capital (leverage) ratio | 8.5163% | 4,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2757% | 1,873 |
| Memoranda: | ||
| Average total assets | $1,702,519,000,000 | 4 |
| Average earning assets | $1,534,845,500,000 | 4 |
| Average equity | $161,966,000,000 | 4 |
| Average total loans | $915,539,500,000 | 3 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2162% | 3,794 |
| Cost of funding earning assets | 0.3288% | 2,646 |
| Net interest margin | 2.8874% | 3,709 |
| Noninterest income to average assets | 1.2400% | 444 |
| Noninterest expense to average assets | 2.6208% | 1,770 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.9168% | 2,889 |
| Return on assets (ROA) | 0.9239% | 2,812 |
| Pretax return on assets | 1.1591% | 2,572 |
| Return on Equity (ROE) | 9.8000% | 2,871 |
| Retained earnings to average equity (ytd only) | 1.0075% | 4,195 |
| Net charge-offs to loans | 0.1800% | 461 |
| Credit loss provision to net charge-offs | 137.6391% | 1,354 |
| Earnings coverage of net charge-offs (x) | 13.3041% | 2,078 |
| Efficiency ratio | 67.7851% | 1,989 |
| Assets per employee ($millions) | 8.1850% | 1,237 |
| Cash dividends to net income (ytd only)* | 89.7196% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3961% | 1,517 |
| Loan loss allowance to noncurrent loans | 128.2046% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.5970% | 838 |
| Noncurrent loans to loans | 1.0889% | 659 |
| Net loans and leases to total assets | 52.7700% | 3,301 |
| Net loans and leases to deposits | 63.7872% | 3,058 |
| Net loans and leases to core deposits | 67.6792% | 3,031 |
| Total domestic deposits to total assets | 81.4700% | 3,698 |
| Equity capital to assets | 9.3994% | 2,078 |
| Core capital (leverage) ratio | 8.3448% | 4,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9204% | 2,004 |
| Memoranda: | ||
| Average total assets | $1,737,256,800,000 | 3 |
| Average earning assets | $1,573,904,400,000 | 3 |
| Average equity | $163,765,200,000 | 4 |
| Average total loans | $899,129,600,000 | 3 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8626% | 4,112 |
| Cost of funding earning assets | 0.1860% | 3,443 |
| Net interest margin | 2.6766% | 3,975 |
| Noninterest income to average assets | 1.2500% | 473 |
| Noninterest expense to average assets | 2.5541% | 1,849 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.8605% | 3,031 |
| Return on assets (ROA) | 0.8698% | 2,974 |
| Pretax return on assets | 1.0963% | 2,736 |
| Return on Equity (ROE) | 9.2200% | 2,965 |
| Retained earnings to average equity (ytd only) | -0.4340% | 4,380 |
| Net charge-offs to loans | 0.1576% | 409 |
| Credit loss provision to net charge-offs | 116.4617% | 1,236 |
| Earnings coverage of net charge-offs (x) | 13.9631% | 1,872 |
| Efficiency ratio | 69.2186% | 1,862 |
| Assets per employee ($millions) | 8.1265% | 1,257 |
| Cash dividends to net income (ytd only)* | 104.7074% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 1,748 |
| Loan loss allowance to noncurrent loans | 125.0050% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.5899% | 899 |
| Noncurrent loans to loans | 1.0902% | 688 |
| Net loans and leases to total assets | 52.4800% | 3,239 |
| Net loans and leases to deposits | 62.6730% | 2,972 |
| Net loans and leases to core deposits | 65.0700% | 3,018 |
| Total domestic deposits to total assets | 82.6400% | 3,736 |
| Equity capital to assets | 9.2533% | 2,037 |
| Core capital (leverage) ratio | 8.1249% | 4,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6536% | 2,195 |
| Memoranda: | ||
| Average total assets | $1,742,188,250,000 | 3 |
| Average earning assets | $1,580,912,000,000 | 3 |
| Average equity | $164,347,250,000 | 4 |
| Average total loans | $894,125,000,000 | 3 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5509% | 4,329 |
| Cost of funding earning assets | 0.0805% | 4,374 |
| Net interest margin | 2.4704% | 4,132 |
| Noninterest income to average assets | 1.2511% | 449 |
| Noninterest expense to average assets | 2.4707% | 2,027 |
| Loan and lease loss provision to assets | -0.0227% | 4,442 |
| Net operating income to assets | 0.8544% | 2,757 |
| Return on assets (ROA) | 0.8687% | 2,677 |
| Pretax return on assets | 1.0657% | 2,527 |
| Return on Equity (ROE) | 9.1515% | 2,645 |
| Retained earnings to average equity (ytd only) | -0.2285% | 4,207 |
| Net charge-offs to loans | 0.1468% | 440 |
| Credit loss provision to net charge-offs | 1.5337% | 1,661 |
| Earnings coverage of net charge-offs (x) | 13.7776% | 1,677 |
| Efficiency ratio | 70.5466% | 1,881 |
| Assets per employee ($millions) | 7.9681% | 1,325 |
| Cash dividends to net income (ytd only)* | 102.4967% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 2,288 |
| Loan loss allowance to noncurrent loans | 116.4064% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.5937% | 943 |
| Noncurrent loans to loans | 1.0975% | 752 |
| Net loans and leases to total assets | 52.4750% | 3,111 |
| Net loans and leases to deposits | 61.4511% | 2,930 |
| Net loans and leases to core deposits | 63.4273% | 3,009 |
| Total domestic deposits to total assets | 84.2046% | 3,646 |
| Equity capital to assets | 9.4803% | 2,030 |
| Core capital (leverage) ratio | 8.1917% | 4,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7887% | 2,161 |
| Memoranda: | ||
| Average total assets | $1,752,103,666,667 | 3 |
| Average earning assets | $1,592,317,333,333 | 3 |
| Average equity | $166,310,666,667 | 3 |
| Average total loans | $888,437,333,333 | 3 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3490% | 4,419 |
| Cost of funding earning assets | 0.0586% | 4,533 |
| Net interest margin | 2.2904% | 4,249 |
| Noninterest income to average assets | 1.2522% | 449 |
| Noninterest expense to average assets | 2.5193% | 1,838 |
| Loan and lease loss provision to assets | -0.1725% | 4,669 |
| Net operating income to assets | 0.8058% | 2,639 |
| Return on assets (ROA) | 0.8066% | 2,632 |
| Pretax return on assets | 0.9962% | 2,452 |
| Return on Equity (ROE) | 8.4925% | 2,515 |
| Retained earnings to average equity (ytd only) | -1.7280% | 4,224 |
| Net charge-offs to loans | 0.1404% | 404 |
| Credit loss provision to net charge-offs | -205.5195% | 2,978 |
| Earnings coverage of net charge-offs (x) | 11.8312% | 1,429 |
| Efficiency ratio | 75.2567% | 1,607 |
| Assets per employee ($millions) | 8.0130% | 1,352 |
| Cash dividends to net income (ytd only)* | 120.3470% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 2,433 |
| Loan loss allowance to noncurrent loans | 101.9300% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.6449% | 923 |
| Noncurrent loans to loans | 1.2603% | 698 |
| Net loans and leases to total assets | 49.4584% | 3,229 |
| Net loans and leases to deposits | 57.4803% | 3,124 |
| Net loans and leases to core deposits | 59.2364% | 3,210 |
| Total domestic deposits to total assets | 84.8374% | 3,577 |
| Equity capital to assets | 9.3791% | 2,383 |
| Core capital (leverage) ratio | 8.2883% | 4,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2158% | 2,112 |
| Memoranda: | ||
| Average total assets | $1,771,888,000,000 | 3 |
| Average earning assets | $1,616,686,000,000 | 3 |
| Average equity | $168,289,000,000 | 3 |
| Average total loans | $877,515,500,000 | 3 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2852% | 4,595 |
| Cost of funding earning assets | 0.0640% | 4,620 |
| Net interest margin | 2.2212% | 4,470 |
| Noninterest income to average assets | 1.4674% | 520 |
| Noninterest expense to average assets | 2.4616% | 2,302 |
| Loan and lease loss provision to assets | -0.2280% | 4,736 |
| Net operating income to assets | 0.9779% | 2,760 |
| Return on assets (ROA) | 0.9893% | 2,783 |
| Pretax return on assets | 1.2765% | 2,435 |
| Return on Equity (ROE) | 10.2501% | 2,431 |
| Retained earnings to average equity (ytd only) | 1.5028% | 4,116 |
| Net charge-offs to loans | 0.1819% | 532 |
| Credit loss provision to net charge-offs | -268.8619% | 3,585 |
| Earnings coverage of net charge-offs (x) | 11.7468% | 2,142 |
| Efficiency ratio | 69.9834% | 1,733 |
| Assets per employee ($millions) | 8.1527% | 1,250 |
| Cash dividends to net income (ytd only)* | 85.3388% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4141% | 1,872 |
| Loan loss allowance to noncurrent loans | 95.7630% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.7354% | 842 |
| Noncurrent loans to loans | 1.4766% | 617 |
| Net loans and leases to total assets | 48.2594% | 3,477 |
| Net loans and leases to deposits | 56.3305% | 3,391 |
| Net loans and leases to core deposits | 58.1023% | 3,466 |
| Total domestic deposits to total assets | 84.5372% | 3,415 |
| Equity capital to assets | 9.6153% | 3,032 |
| Core capital (leverage) ratio | 8.4913% | 3,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2081% | 1,774 |
| Memoranda: | ||
| Average total assets | $1,776,759,600,000 | 3 |
| Average earning assets | $1,622,357,600,000 | 3 |
| Average equity | $171,481,800,000 | 3 |
| Average total loans | $859,981,200,000 | 3 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2745% | 4,682 |
| Cost of funding earning assets | 0.0681% | 4,698 |
| Net interest margin | 2.2064% | 4,568 |
| Noninterest income to average assets | 1.4687% | 562 |
| Noninterest expense to average assets | 2.4699% | 2,209 |
| Loan and lease loss provision to assets | -0.2711% | 4,814 |
| Net operating income to assets | 0.9984% | 2,915 |
| Return on assets (ROA) | 1.0091% | 2,940 |
| Pretax return on assets | 1.2965% | 2,634 |
| Return on Equity (ROE) | 10.4456% | 2,568 |
| Retained earnings to average equity (ytd only) | 2.0919% | 4,167 |
| Net charge-offs to loans | 0.1793% | 479 |
| Credit loss provision to net charge-offs | -316.3053% | 3,506 |
| Earnings coverage of net charge-offs (x) | 11.6895% | 1,986 |
| Efficiency ratio | 70.4026% | 1,562 |
| Assets per employee ($millions) | 8.0782% | 1,240 |
| Cash dividends to net income (ytd only)* | 79.9732% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5791% | 1,392 |
| Loan loss allowance to noncurrent loans | 101.7811% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.7458% | 980 |
| Noncurrent loans to loans | 1.5515% | 673 |
| Net loans and leases to total assets | 46.4489% | 3,759 |
| Net loans and leases to deposits | 54.7775% | 3,673 |
| Net loans and leases to core deposits | 57.1660% | 3,686 |
| Total domestic deposits to total assets | 83.1742% | 3,662 |
| Equity capital to assets | 9.6147% | 3,275 |
| Core capital (leverage) ratio | 8.5334% | 3,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5385% | 1,781 |
| Memoranda: | ||
| Average total assets | $1,776,073,500,000 | 3 |
| Average earning assets | $1,620,370,750,000 | 3 |
| Average equity | $171,576,000,000 | 3 |
| Average total loans | $857,202,500,000 | 3 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2847% | 4,731 |
| Cost of funding earning assets | 0.0715% | 4,736 |
| Net interest margin | 2.2132% | 4,590 |
| Noninterest income to average assets | 1.4995% | 543 |
| Noninterest expense to average assets | 2.4778% | 2,214 |
| Loan and lease loss provision to assets | -0.2509% | 4,810 |
| Net operating income to assets | 1.0202% | 2,827 |
| Return on assets (ROA) | 1.0361% | 2,846 |
| Pretax return on assets | 1.3119% | 2,601 |
| Return on Equity (ROE) | 10.7085% | 2,527 |
| Retained earnings to average equity (ytd only) | 3.7118% | 3,617 |
| Net charge-offs to loans | 0.2063% | 416 |
| Credit loss provision to net charge-offs | -261.0799% | 3,282 |
| Earnings coverage of net charge-offs (x) | 10.3757% | 1,800 |
| Efficiency ratio | 69.6928% | 1,683 |
| Assets per employee ($millions) | 7.8799% | 1,265 |
| Cash dividends to net income (ytd only)* | 65.3381% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7835% | 906 |
| Loan loss allowance to noncurrent loans | 119.5327% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.7173% | 1,147 |
| Noncurrent loans to loans | 1.4921% | 762 |
| Net loans and leases to total assets | 46.3004% | 3,882 |
| Net loans and leases to deposits | 55.0401% | 3,792 |
| Net loans and leases to core deposits | 57.7462% | 3,774 |
| Total domestic deposits to total assets | 82.5098% | 3,820 |
| Equity capital to assets | 9.7111% | 3,129 |
| Core capital (leverage) ratio | 8.6247% | 3,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0534% | 1,610 |
| Memoranda: | ||
| Average total assets | $1,772,561,000,000 | 3 |
| Average earning assets | $1,616,998,333,333 | 3 |
| Average equity | $171,509,000,000 | 3 |
| Average total loans | $861,877,666,667 | 3 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3289% | 4,750 |
| Cost of funding earning assets | 0.0754% | 4,775 |
| Net interest margin | 2.2536% | 4,565 |
| Noninterest income to average assets | 1.4073% | 672 |
| Noninterest expense to average assets | 2.5354% | 2,074 |
| Loan and lease loss provision to assets | -0.2230% | 4,826 |
| Net operating income to assets | 0.9818% | 2,866 |
| Return on assets (ROA) | 1.0106% | 2,866 |
| Pretax return on assets | 1.1830% | 2,893 |
| Return on Equity (ROE) | 10.4635% | 2,548 |
| Retained earnings to average equity (ytd only) | 4.0306% | 3,493 |
| Net charge-offs to loans | 0.2311% | 368 |
| Credit loss provision to net charge-offs | -193.4653% | 2,953 |
| Earnings coverage of net charge-offs (x) | 8.1168% | 1,589 |
| Efficiency ratio | 72.4235% | 1,457 |
| Assets per employee ($millions) | 7.5840% | 1,404 |
| Cash dividends to net income (ytd only)* | 61.4800% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9461% | 673 |
| Loan loss allowance to noncurrent loans | 111.0195% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.8607% | 1,026 |
| Noncurrent loans to loans | 1.7529% | 677 |
| Net loans and leases to total assets | 47.4367% | 3,865 |
| Net loans and leases to deposits | 56.3869% | 3,765 |
| Net loans and leases to core deposits | 59.5994% | 3,732 |
| Total domestic deposits to total assets | 82.5293% | 3,793 |
| Equity capital to assets | 9.6491% | 3,053 |
| Core capital (leverage) ratio | 8.6379% | 3,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1291% | 1,532 |
| Memoranda: | ||
| Average total assets | $1,770,482,500,000 | 3 |
| Average earning assets | $1,613,794,500,000 | 3 |
| Average equity | $170,994,000,000 | 3 |
| Average total loans | $874,033,500,000 | 3 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7734% | 4,763 |
| Cost of funding earning assets | 0.2625% | 4,328 |
| Net interest margin | 2.5110% | 4,577 |
| Noninterest income to average assets | 1.2841% | 690 |
| Noninterest expense to average assets | 2.7440% | 2,105 |
| Loan and lease loss provision to assets | 0.7404% | 195 |
| Net operating income to assets | 0.1488% | 4,627 |
| Return on assets (ROA) | 0.1964% | 4,638 |
| Pretax return on assets | 0.1378% | 4,681 |
| Return on Equity (ROE) | 2.0402% | 4,558 |
| Retained earnings to average equity (ytd only) | 1.0068% | 4,226 |
| Net charge-offs to loans | 0.3352% | 525 |
| Credit loss provision to net charge-offs | 414.4594% | 1,399 |
| Earnings coverage of net charge-offs (x) | 4.6734% | 2,954 |
| Efficiency ratio | 76.6036% | 1,162 |
| Assets per employee ($millions) | 7.5741% | 1,234 |
| Cash dividends to net income (ytd only)* | 50.6512% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0466% | 533 |
| Loan loss allowance to noncurrent loans | 105.7826% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.9878% | 970 |
| Noncurrent loans to loans | 1.9347% | 611 |
| Net loans and leases to total assets | 49.3280% | 3,874 |
| Net loans and leases to deposits | 58.9406% | 3,831 |
| Net loans and leases to core deposits | 63.1287% | 3,762 |
| Total domestic deposits to total assets | 81.6474% | 3,738 |
| Equity capital to assets | 9.6670% | 3,446 |
| Core capital (leverage) ratio | 8.6532% | 4,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0021% | 1,526 |
| Memoranda: | ||
| Average total assets | $1,758,911,800,000 | 3 |
| Average earning assets | $1,604,401,800,000 | 3 |
| Average equity | $169,345,000,000 | 3 |
| Average total loans | $932,561,800,000 | 3 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8837% | 4,799 |
| Cost of funding earning assets | 0.3196% | 4,218 |
| Net interest margin | 2.5641% | 4,608 |
| Noninterest income to average assets | 1.2999% | 644 |
| Noninterest expense to average assets | 2.7355% | 2,160 |
| Loan and lease loss provision to assets | 1.0126% | 132 |
| Net operating income to assets | -0.0091% | 4,776 |
| Return on assets (ROA) | 0.0316% | 4,773 |
| Pretax return on assets | -0.0574% | 4,805 |
| Return on Equity (ROE) | 0.3283% | 4,768 |
| Retained earnings to average equity (ytd only) | 0.3283% | 4,424 |
| Net charge-offs to loans | 0.3581% | 443 |
| Credit loss provision to net charge-offs | 523.6873% | 1,251 |
| Earnings coverage of net charge-offs (x) | 4.7004% | 2,797 |
| Efficiency ratio | 75.0099% | 1,301 |
| Assets per employee ($millions) | 7.3273% | 1,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0984% | 419 |
| Loan loss allowance to noncurrent loans | 94.4277% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 1.1731% | 873 |
| Noncurrent loans to loans | 2.2222% | 521 |
| Net loans and leases to total assets | 51.0471% | 4,026 |
| Net loans and leases to deposits | 60.8878% | 4,001 |
| Net loans and leases to core deposits | 66.0749% | 3,886 |
| Total domestic deposits to total assets | 81.9291% | 3,441 |
| Equity capital to assets | 9.7043% | 3,513 |
| Core capital (leverage) ratio | 8.4677% | 4,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7763% | 1,564 |
| Memoranda: | ||
| Average total assets | $1,756,687,750,000 | 3 |
| Average earning assets | $1,602,603,750,000 | 3 |
| Average equity | $168,957,750,000 | 3 |
| Average total loans | $943,141,000,000 | 3 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0566% | 4,809 |
| Cost of funding earning assets | 0.4117% | 3,988 |
| Net interest margin | 2.6449% | 4,613 |
| Noninterest income to average assets | 1.2238% | 674 |
| Noninterest expense to average assets | 2.7110% | 2,350 |
| Loan and lease loss provision to assets | 1.3728% | 103 |
| Net operating income to assets | -0.1336% | 4,842 |
| Return on assets (ROA) | -0.0955% | 4,832 |
| Pretax return on assets | -0.3989% | 4,880 |
| Return on Equity (ROE) | -0.9961% | 4,843 |
| Retained earnings to average equity (ytd only) | -0.9961% | 4,477 |
| Net charge-offs to loans | 0.3890% | 403 |
| Credit loss provision to net charge-offs | 647.1413% | 1,053 |
| Earnings coverage of net charge-offs (x) | 4.3910% | 2,604 |
| Efficiency ratio | 74.3856% | 1,428 |
| Assets per employee ($millions) | 7.4925% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9914% | 442 |
| Loan loss allowance to noncurrent loans | 100.0969% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 1.0489% | 1,119 |
| Noncurrent loans to loans | 1.9894% | 682 |
| Net loans and leases to total assets | 50.8237% | 4,108 |
| Net loans and leases to deposits | 60.9374% | 4,067 |
| Net loans and leases to core deposits | 67.4044% | 3,893 |
| Total domestic deposits to total assets | 81.3864% | 3,527 |
| Equity capital to assets | 9.3570% | 3,775 |
| Core capital (leverage) ratio | 8.4419% | 4,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4838% | 1,636 |
| Memoranda: | ||
| Average total assets | $1,758,851,666,667 | 3 |
| Average earning assets | $1,604,603,000,000 | 3 |
| Average equity | $168,662,333,333 | 3 |
| Average total loans | $953,330,333,333 | 3 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4221% | 4,718 |
| Cost of funding earning assets | 0.5954% | 3,462 |
| Net interest margin | 2.8267% | 4,543 |
| Noninterest income to average assets | 1.3217% | 512 |
| Noninterest expense to average assets | 2.6272% | 2,902 |
| Loan and lease loss provision to assets | 0.7502% | 342 |
| Net operating income to assets | 0.4341% | 4,061 |
| Return on assets (ROA) | 0.4782% | 4,002 |
| Pretax return on assets | 0.5760% | 3,966 |
| Return on Equity (ROE) | 4.9247% | 3,658 |
| Retained earnings to average equity (ytd only) | 4.9247% | 2,307 |
| Net charge-offs to loans | 0.3085% | 476 |
| Credit loss provision to net charge-offs | 425.3028% | 966 |
| Earnings coverage of net charge-offs (x) | 7.4455% | 1,920 |
| Efficiency ratio | 67.2134% | 2,787 |
| Assets per employee ($millions) | 7.4571% | 910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 3,157 |
| Loan loss allowance to noncurrent loans | 78.6441% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 0.8154% | 1,660 |
| Noncurrent loans to loans | 1.4092% | 1,128 |
| Net loans and leases to total assets | 55.1113% | 3,901 |
| Net loans and leases to deposits | 67.1478% | 3,783 |
| Net loans and leases to core deposits | 76.2861% | 3,476 |
| Total domestic deposits to total assets | 79.5660% | 3,935 |
| Equity capital to assets | 9.6514% | 4,081 |
| Core capital (leverage) ratio | 8.6210% | 4,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4998% | 2,075 |
| Memoranda: | ||
| Average total assets | $1,738,307,500,000 | 3 |
| Average earning assets | $1,585,599,000,000 | 3 |
| Average equity | $168,783,500,000 | 3 |
| Average total loans | $963,303,500,000 | 3 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8980% | 4,433 |
| Cost of funding earning assets | 0.8070% | 2,648 |
| Net interest margin | 3.0910% | 4,381 |
| Noninterest income to average assets | 1.5012% | 413 |
| Noninterest expense to average assets | 2.7453% | 2,764 |
| Loan and lease loss provision to assets | 0.1580% | 1,330 |
| Net operating income to assets | 1.1464% | 2,269 |
| Return on assets (ROA) | 1.1531% | 2,344 |
| Pretax return on assets | 1.4299% | 2,044 |
| Return on Equity (ROE) | 11.6963% | 1,622 |
| Retained earnings to average equity (ytd only) | -1.1647% | 4,821 |
| Net charge-offs to loans | 0.2955% | 708 |
| Credit loss provision to net charge-offs | 97.2061% | 2,549 |
| Earnings coverage of net charge-offs (x) | 9.7170% | 2,635 |
| Efficiency ratio | 63.3202% | 3,170 |
| Assets per employee ($millions) | 7.3522% | 914 |
| Cash dividends to net income (ytd only)* | 109.9576% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9838% | 3,596 |
| Loan loss allowance to noncurrent loans | 69.2061% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 0.8021% | 1,617 |
| Noncurrent loans to loans | 1.4215% | 1,033 |
| Net loans and leases to total assets | 54.5522% | 4,042 |
| Net loans and leases to deposits | 67.6079% | 3,851 |
| Net loans and leases to core deposits | 78.1595% | 3,436 |
| Total domestic deposits to total assets | 77.4546% | 4,439 |
| Equity capital to assets | 9.7696% | 4,132 |
| Core capital (leverage) ratio | 8.5593% | 4,811 |
| Tier 1 risk-based capital ratio | 12.5911% | 4,013 |
| Total risk-based capital ratio | 14.2848% | 3,652 |
| Memoranda: | ||
| Average total assets | $1,695,685,800,000 | 3 |
| Average earning assets | $1,548,933,800,000 | 3 |
| Average equity | $167,172,000,000 | 3 |
| Average total loans | $932,641,600,000 | 3 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9798% | 4,403 |
| Cost of funding earning assets | 0.8310% | 2,562 |
| Net interest margin | 3.1488% | 4,404 |
| Noninterest income to average assets | 1.5264% | 392 |
| Noninterest expense to average assets | 2.6665% | 2,959 |
| Loan and lease loss provision to assets | 0.1614% | 1,156 |
| Net operating income to assets | 1.2686% | 1,955 |
| Return on assets (ROA) | 1.2780% | 2,005 |
| Pretax return on assets | 1.5855% | 1,684 |
| Return on Equity (ROE) | 12.9334% | 1,302 |
| Retained earnings to average equity (ytd only) | -1.0275% | 4,860 |
| Net charge-offs to loans | 0.2850% | 617 |
| Credit loss provision to net charge-offs | 102.9678% | 2,191 |
| Earnings coverage of net charge-offs (x) | 11.0709% | 2,456 |
| Efficiency ratio | 60.4227% | 3,555 |
| Assets per employee ($millions) | 7.3092% | 909 |
| Cash dividends to net income (ytd only)* | 107.9447% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 3,534 |
| Loan loss allowance to noncurrent loans | 70.3740% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 0.8156% | 1,698 |
| Noncurrent loans to loans | 1.4301% | 1,064 |
| Net loans and leases to total assets | 54.3881% | 4,150 |
| Net loans and leases to deposits | 67.9018% | 3,928 |
| Net loans and leases to core deposits | 79.0232% | 3,470 |
| Total domestic deposits to total assets | 77.0271% | 4,511 |
| Equity capital to assets | 9.8076% | 4,206 |
| Core capital (leverage) ratio | 8.6750% | 4,852 |
| Tier 1 risk-based capital ratio | 12.6390% | 4,064 |
| Total risk-based capital ratio | 14.3332% | 3,712 |
| Memoranda: | ||
| Average total assets | $1,691,377,500,000 | 3 |
| Average earning assets | $1,544,332,250,000 | 3 |
| Average equity | $167,128,500,000 | 3 |
| Average total loans | $929,872,250,000 | 3 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0377% | 4,303 |
| Cost of funding earning assets | 0.8289% | 2,502 |
| Net interest margin | 3.2088% | 4,348 |
| Noninterest income to average assets | 1.4864% | 404 |
| Noninterest expense to average assets | 2.5468% | 3,337 |
| Loan and lease loss provision to assets | 0.1605% | 1,128 |
| Net operating income to assets | 1.4030% | 1,430 |
| Return on assets (ROA) | 1.4176% | 1,435 |
| Pretax return on assets | 1.7260% | 1,224 |
| Return on Equity (ROE) | 14.3105% | 913 |
| Retained earnings to average equity (ytd only) | 0.5366% | 4,560 |
| Net charge-offs to loans | 0.2924% | 585 |
| Credit loss provision to net charge-offs | 99.8524% | 2,008 |
| Earnings coverage of net charge-offs (x) | 11.6221% | 2,197 |
| Efficiency ratio | 57.5202% | 4,069 |
| Assets per employee ($millions) | 7.2389% | 909 |
| Cash dividends to net income (ytd only)* | 96.2504% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 3,540 |
| Loan loss allowance to noncurrent loans | 68.6443% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 0.8335% | 1,692 |
| Noncurrent loans to loans | 1.4764% | 1,047 |
| Net loans and leases to total assets | 54.1150% | 4,198 |
| Net loans and leases to deposits | 68.3317% | 3,947 |
| Net loans and leases to core deposits | 79.8875% | 3,432 |
| Total domestic deposits to total assets | 75.9562% | 4,675 |
| Equity capital to assets | 9.9279% | 4,029 |
| Core capital (leverage) ratio | 8.8523% | 4,753 |
| Tier 1 risk-based capital ratio | 12.7957% | 3,950 |
| Total risk-based capital ratio | 14.5550% | 3,587 |
| Memoranda: | ||
| Average total assets | $1,685,654,000,000 | 3 |
| Average earning assets | $1,538,590,666,670 | 3 |
| Average equity | $166,982,333,330 | 3 |
| Average total loans | $926,931,666,670 | 3 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0640% | 4,225 |
| Cost of funding earning assets | 0.8125% | 2,466 |
| Net interest margin | 3.2515% | 4,274 |
| Noninterest income to average assets | 1.4651% | 404 |
| Noninterest expense to average assets | 2.5941% | 3,231 |
| Loan and lease loss provision to assets | 0.2006% | 797 |
| Net operating income to assets | 1.3561% | 1,504 |
| Return on assets (ROA) | 1.3805% | 1,465 |
| Pretax return on assets | 1.6676% | 1,288 |
| Return on Equity (ROE) | 13.9511% | 984 |
| Retained earnings to average equity (ytd only) | 0.7056% | 4,382 |
| Net charge-offs to loans | 0.3029% | 498 |
| Credit loss provision to net charge-offs | 120.1141% | 1,413 |
| Earnings coverage of net charge-offs (x) | 11.0071% | 1,928 |
| Efficiency ratio | 58.3593% | 4,029 |
| Assets per employee ($millions) | 7.1240% | 950 |
| Cash dividends to net income (ytd only)* | 94.9422% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 3,430 |
| Loan loss allowance to noncurrent loans | 64.3498% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 0.9253% | 1,516 |
| Noncurrent loans to loans | 1.6236% | 972 |
| Net loans and leases to total assets | 54.5746% | 4,163 |
| Net loans and leases to deposits | 69.2040% | 3,830 |
| Net loans and leases to core deposits | 80.8312% | 3,287 |
| Total domestic deposits to total assets | 75.9209% | 4,769 |
| Equity capital to assets | 10.0306% | 3,798 |
| Core capital (leverage) ratio | 8.8052% | 4,789 |
| Tier 1 risk-based capital ratio | 12.6854% | 4,051 |
| Total risk-based capital ratio | 14.4992% | 3,648 |
| Memoranda: | ||
| Average total assets | $1,678,560,000,000 | 3 |
| Average earning assets | $1,532,084,500,000 | 3 |
| Average equity | $166,094,000,000 | 3 |
| Average total loans | $925,753,500,000 | 2 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8349% | 4,415 |
| Cost of funding earning assets | 0.6079% | 2,661 |
| Net interest margin | 3.2270% | 4,435 |
| Noninterest income to average assets | 1.5046% | 405 |
| Noninterest expense to average assets | 2.7385% | 2,896 |
| Loan and lease loss provision to assets | 0.1334% | 1,635 |
| Net operating income to assets | 1.2704% | 1,914 |
| Return on assets (ROA) | 1.2755% | 1,889 |
| Pretax return on assets | 1.5870% | 1,506 |
| Return on Equity (ROE) | 13.1664% | 1,281 |
| Retained earnings to average equity (ytd only) | 0.7092% | 4,799 |
| Net charge-offs to loans | 0.2916% | 665 |
| Credit loss provision to net charge-offs | 83.3701% | 2,818 |
| Earnings coverage of net charge-offs (x) | 10.7108% | 2,695 |
| Efficiency ratio | 60.1296% | 3,839 |
| Assets per employee ($millions) | 7.3342% | 857 |
| Cash dividends to net income (ytd only)* | 94.6139% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0201% | 3,561 |
| Loan loss allowance to noncurrent loans | 61.4350% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 0.9456% | 1,451 |
| Noncurrent loans to loans | 1.6604% | 877 |
| Net loans and leases to total assets | 54.5898% | 4,240 |
| Net loans and leases to deposits | 68.7209% | 3,922 |
| Net loans and leases to core deposits | 80.6580% | 3,383 |
| Total domestic deposits to total assets | 75.9110% | 4,765 |
| Equity capital to assets | 9.7612% | 3,894 |
| Core capital (leverage) ratio | 8.6365% | 4,928 |
| Tier 1 risk-based capital ratio | 12.3623% | 4,204 |
| Total risk-based capital ratio | 14.1553% | 3,789 |
| Memoranda: | ||
| Average total assets | $1,698,688,400,000 | 3 |
| Average earning assets | $1,551,629,200,000 | 3 |
| Average equity | $164,562,600,000 | 3 |
| Average total loans | $931,993,400,000 | 1 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7755% | 4,493 |
| Cost of funding earning assets | 0.5655% | 2,735 |
| Net interest margin | 3.2100% | 4,491 |
| Noninterest income to average assets | 1.5289% | 417 |
| Noninterest expense to average assets | 2.6880% | 3,003 |
| Loan and lease loss provision to assets | 0.1355% | 1,477 |
| Net operating income to assets | 1.2921% | 1,892 |
| Return on assets (ROA) | 1.2997% | 1,857 |
| Pretax return on assets | 1.6466% | 1,428 |
| Return on Equity (ROE) | 13.4410% | 1,288 |
| Retained earnings to average equity (ytd only) | 1.2816% | 4,785 |
| Net charge-offs to loans | 0.2897% | 576 |
| Credit loss provision to net charge-offs | 85.3827% | 2,465 |
| Earnings coverage of net charge-offs (x) | 11.1654% | 2,538 |
| Efficiency ratio | 58.8914% | 3,977 |
| Assets per employee ($millions) | 7.1416% | 887 |
| Cash dividends to net income (ytd only)* | 90.4650% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 3,471 |
| Loan loss allowance to noncurrent loans | 60.5580% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 0.9968% | 1,464 |
| Noncurrent loans to loans | 1.7311% | 896 |
| Net loans and leases to total assets | 54.9961% | 4,292 |
| Net loans and leases to deposits | 69.3389% | 3,971 |
| Net loans and leases to core deposits | 80.7078% | 3,441 |
| Total domestic deposits to total assets | 75.7777% | 4,812 |
| Equity capital to assets | 9.8400% | 3,790 |
| Core capital (leverage) ratio | 8.5861% | 5,044 |
| Tier 1 risk-based capital ratio | 12.1719% | 4,393 |
| Total risk-based capital ratio | 13.9697% | 3,968 |
| Memoranda: | ||
| Average total assets | $1,701,022,750,000 | 3 |
| Average earning assets | $1,553,320,000,000 | 3 |
| Average equity | $164,478,000,000 | 3 |
| Average total loans | $932,062,250,000 | 1 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7010% | 4,582 |
| Cost of funding earning assets | 0.5274% | 2,781 |
| Net interest margin | 3.1735% | 4,566 |
| Noninterest income to average assets | 1.5151% | 423 |
| Noninterest expense to average assets | 2.7320% | 2,902 |
| Loan and lease loss provision to assets | 0.1375% | 1,420 |
| Net operating income to assets | 1.1944% | 2,224 |
| Return on assets (ROA) | 1.2005% | 2,194 |
| Pretax return on assets | 1.5523% | 1,649 |
| Return on Equity (ROE) | 12.4866% | 1,548 |
| Retained earnings to average equity (ytd only) | 0.9497% | 4,771 |
| Net charge-offs to loans | 0.2873% | 557 |
| Credit loss provision to net charge-offs | 87.7794% | 2,187 |
| Earnings coverage of net charge-offs (x) | 10.7340% | 2,314 |
| Efficiency ratio | 60.5148% | 3,856 |
| Assets per employee ($millions) | 7.1231% | 874 |
| Cash dividends to net income (ytd only)* | 92.3945% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 3,489 |
| Loan loss allowance to noncurrent loans | 58.4256% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 1.0411% | 1,440 |
| Noncurrent loans to loans | 1.8109% | 859 |
| Net loans and leases to total assets | 55.0683% | 4,238 |
| Net loans and leases to deposits | 69.7606% | 3,881 |
| Net loans and leases to core deposits | 80.6658% | 3,358 |
| Total domestic deposits to total assets | 75.8173% | 4,869 |
| Equity capital to assets | 9.7923% | 3,826 |
| Core capital (leverage) ratio | 8.5274% | 5,088 |
| Tier 1 risk-based capital ratio | 11.9953% | 4,498 |
| Total risk-based capital ratio | 13.8380% | 4,029 |
| Memoranda: | ||
| Average total assets | $1,712,987,666,670 | 3 |
| Average earning assets | $1,564,623,333,330 | 2 |
| Average equity | $164,688,000,000 | 3 |
| Average total loans | $934,263,666,670 | 1 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5935% | 4,718 |
| Cost of funding earning assets | 0.4823% | 2,938 |
| Net interest margin | 3.1113% | 4,682 |
| Noninterest income to average assets | 1.5502% | 406 |
| Noninterest expense to average assets | 2.8599% | 2,493 |
| Loan and lease loss provision to assets | 0.1400% | 1,349 |
| Net operating income to assets | 1.0942% | 2,450 |
| Return on assets (ROA) | 1.0954% | 2,458 |
| Pretax return on assets | 1.3950% | 2,025 |
| Return on Equity (ROE) | 11.4969% | 1,769 |
| Retained earnings to average equity (ytd only) | 0.5890% | 4,715 |
| Net charge-offs to loans | 0.3156% | 482 |
| Credit loss provision to net charge-offs | 82.1138% | 1,730 |
| Earnings coverage of net charge-offs (x) | 8.9946% | 1,998 |
| Efficiency ratio | 63.7296% | 3,518 |
| Assets per employee ($millions) | 7.2679% | 856 |
| Cash dividends to net income (ytd only)* | 94.8767% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 3,554 |
| Loan loss allowance to noncurrent loans | 53.7048% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 1.1146% | 1,389 |
| Noncurrent loans to loans | 1.9907% | 804 |
| Net loans and leases to total assets | 53.5692% | 4,321 |
| Net loans and leases to deposits | 67.7264% | 3,963 |
| Net loans and leases to core deposits | 78.2326% | 3,474 |
| Total domestic deposits to total assets | 75.7469% | 4,986 |
| Equity capital to assets | 9.5469% | 4,049 |
| Core capital (leverage) ratio | 8.3498% | 5,229 |
| Tier 1 risk-based capital ratio | 11.8943% | 4,608 |
| Total risk-based capital ratio | 13.7672% | 4,133 |
| Memoranda: | ||
| Average total assets | $1,731,943,000,000 | 3 |
| Average earning assets | $1,582,513,500,000 | 2 |
| Average equity | $165,018,000,000 | 3 |
| Average total loans | $935,245,000,000 | 1 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4436% | 4,874 |
| Cost of funding earning assets | 0.3776% | 3,440 |
| Net interest margin | 3.0660% | 4,754 |
| Noninterest income to average assets | 1.4665% | 489 |
| Noninterest expense to average assets | 2.6644% | 3,248 |
| Loan and lease loss provision to assets | 0.1413% | 1,607 |
| Net operating income to assets | 1.1991% | 1,528 |
| Return on assets (ROA) | 1.2260% | 1,461 |
| Pretax return on assets | 1.4889% | 1,686 |
| Return on Equity (ROE) | 13.2487% | 895 |
| Retained earnings to average equity (ytd only) | 3.3046% | 3,319 |
| Net charge-offs to loans | 0.2902% | 903 |
| Credit loss provision to net charge-offs | 90.0990% | 2,781 |
| Earnings coverage of net charge-offs (x) | 10.1837% | 2,708 |
| Efficiency ratio | 60.9989% | 4,118 |
| Assets per employee ($millions) | 7.5213% | 759 |
| Cash dividends to net income (ytd only)* | 75.0575% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 3,487 |
| Loan loss allowance to noncurrent loans | 49.5294% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 1.2089% | 1,219 |
| Noncurrent loans to loans | 2.1679% | 680 |
| Net loans and leases to total assets | 53.2758% | 4,416 |
| Net loans and leases to deposits | 67.0207% | 4,103 |
| Net loans and leases to core deposits | 81.5457% | 3,281 |
| Total domestic deposits to total assets | 72.0939% | 5,317 |
| Equity capital to assets | 9.5092% | 4,229 |
| Core capital (leverage) ratio | 8.3854% | 5,231 |
| Tier 1 risk-based capital ratio | 12.2487% | 4,365 |
| Total risk-based capital ratio | 14.1670% | 3,857 |
| Memoranda: | ||
| Average total assets | $1,738,736,400,000 | 2 |
| Average earning assets | $1,585,126,600,000 | 2 |
| Average equity | $160,898,400,000 | 3 |
| Average total loans | $939,562,000,000 | 1 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4234% | 4,933 |
| Cost of funding earning assets | 0.3627% | 3,526 |
| Net interest margin | 3.0607% | 4,795 |
| Noninterest income to average assets | 1.4686% | 499 |
| Noninterest expense to average assets | 2.5019% | 3,727 |
| Loan and lease loss provision to assets | 0.1421% | 1,489 |
| Net operating income to assets | 1.1059% | 2,064 |
| Return on assets (ROA) | 1.1297% | 2,021 |
| Pretax return on assets | 1.6497% | 1,246 |
| Return on Equity (ROE) | 12.2934% | 1,245 |
| Retained earnings to average equity (ytd only) | 2.6853% | 4,291 |
| Net charge-offs to loans | 0.2791% | 775 |
| Credit loss provision to net charge-offs | 94.1506% | 2,401 |
| Earnings coverage of net charge-offs (x) | 11.6378% | 2,489 |
| Efficiency ratio | 57.2242% | 4,593 |
| Assets per employee ($millions) | 7.4061% | 794 |
| Cash dividends to net income (ytd only)* | 78.1569% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 3,462 |
| Loan loss allowance to noncurrent loans | 53.5345% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 1.1521% | 1,434 |
| Noncurrent loans to loans | 2.0610% | 820 |
| Net loans and leases to total assets | 53.0805% | 4,486 |
| Net loans and leases to deposits | 67.8093% | 4,127 |
| Net loans and leases to core deposits | 81.8815% | 3,297 |
| Total domestic deposits to total assets | 71.4708% | 5,414 |
| Equity capital to assets | 9.3887% | 4,557 |
| Core capital (leverage) ratio | 8.1738% | 5,437 |
| Tier 1 risk-based capital ratio | 11.9340% | 4,677 |
| Total risk-based capital ratio | 13.8689% | 4,152 |
| Memoranda: | ||
| Average total assets | $1,736,582,000,000 | 2 |
| Average earning assets | $1,582,937,750,000 | 2 |
| Average equity | $159,583,000,000 | 3 |
| Average total loans | $939,197,250,000 | 1 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3701% | 5,004 |
| Cost of funding earning assets | 0.3393% | 3,698 |
| Net interest margin | 3.0308% | 4,841 |
| Noninterest income to average assets | 1.5050% | 479 |
| Noninterest expense to average assets | 2.4648% | 3,869 |
| Loan and lease loss provision to assets | 0.1347% | 1,548 |
| Net operating income to assets | 1.1517% | 1,770 |
| Return on assets (ROA) | 1.1756% | 1,722 |
| Pretax return on assets | 1.6998% | 1,060 |
| Return on Equity (ROE) | 12.8862% | 1,068 |
| Retained earnings to average equity (ytd only) | 4.0471% | 3,301 |
| Net charge-offs to loans | 0.2811% | 724 |
| Credit loss provision to net charge-offs | 88.3598% | 2,162 |
| Earnings coverage of net charge-offs (x) | 11.8080% | 2,240 |
| Efficiency ratio | 56.2618% | 4,800 |
| Assets per employee ($millions) | 7.2788% | 818 |
| Cash dividends to net income (ytd only)* | 68.5938% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0836% | 3,678 |
| Loan loss allowance to noncurrent loans | 53.3579% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 1.1582% | 1,482 |
| Noncurrent loans to loans | 2.0309% | 826 |
| Net loans and leases to total assets | 54.1869% | 4,376 |
| Net loans and leases to deposits | 69.0159% | 3,987 |
| Net loans and leases to core deposits | 83.3112% | 3,143 |
| Total domestic deposits to total assets | 71.4686% | 5,484 |
| Equity capital to assets | 9.4132% | 4,501 |
| Core capital (leverage) ratio | 8.1926% | 5,434 |
| Tier 1 risk-based capital ratio | 11.7490% | 4,808 |
| Total risk-based capital ratio | 13.6631% | 4,237 |
| Memoranda: | ||
| Average total assets | $1,736,116,000,000 | 2 |
| Average earning assets | $1,580,709,000,000 | 2 |
| Average equity | $158,386,000,000 | 3 |
| Average total loans | $941,322,666,670 | 1 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3058% | 5,091 |
| Cost of funding earning assets | 0.3141% | 3,908 |
| Net interest margin | 2.9918% | 4,904 |
| Noninterest income to average assets | 1.5149% | 474 |
| Noninterest expense to average assets | 2.4890% | 3,839 |
| Loan and lease loss provision to assets | 0.1284% | 1,499 |
| Net operating income to assets | 1.1242% | 1,775 |
| Return on assets (ROA) | 1.1375% | 1,757 |
| Pretax return on assets | 1.6394% | 1,150 |
| Return on Equity (ROE) | 12.6692% | 1,072 |
| Retained earnings to average equity (ytd only) | 3.6985% | 3,594 |
| Net charge-offs to loans | 0.3148% | 588 |
| Credit loss provision to net charge-offs | 75.6098% | 1,786 |
| Earnings coverage of net charge-offs (x) | 10.2954% | 1,947 |
| Efficiency ratio | 57.1902% | 4,814 |
| Assets per employee ($millions) | 7.2932% | 823 |
| Cash dividends to net income (ytd only)* | 70.8072% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 3,694 |
| Loan loss allowance to noncurrent loans | 49.3380% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 1.2413% | 1,397 |
| Noncurrent loans to loans | 2.2405% | 744 |
| Net loans and leases to total assets | 52.6049% | 4,461 |
| Net loans and leases to deposits | 67.3012% | 4,060 |
| Net loans and leases to core deposits | 81.2699% | 3,167 |
| Total domestic deposits to total assets | 71.1819% | 5,586 |
| Equity capital to assets | 8.9614% | 4,845 |
| Core capital (leverage) ratio | 7.8180% | 5,623 |
| Tier 1 risk-based capital ratio | 11.2062% | 5,201 |
| Total risk-based capital ratio | 13.0878% | 4,731 |
| Memoranda: | ||
| Average total assets | $1,738,205,500,000 | 2 |
| Average earning assets | $1,581,808,500,000 | 2 |
| Average equity | $156,063,500,000 | 3 |
| Average total loans | $937,602,000,000 | 1 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2053% | 5,295 |
| Cost of funding earning assets | 0.2444% | 4,617 |
| Net interest margin | 2.9610% | 5,031 |
| Noninterest income to average assets | 1.6492% | 438 |
| Noninterest expense to average assets | 2.4224% | 4,233 |
| Loan and lease loss provision to assets | 0.2114% | 1,070 |
| Net operating income to assets | 1.1571% | 1,663 |
| Return on assets (ROA) | 1.1946% | 1,616 |
| Pretax return on assets | 1.7591% | 871 |
| Return on Equity (ROE) | 12.9771% | 999 |
| Retained earnings to average equity (ytd only) | 5.2599% | 2,156 |
| Net charge-offs to loans | 0.3511% | 773 |
| Credit loss provision to net charge-offs | 109.9107% | 2,383 |
| Earnings coverage of net charge-offs (x) | 9.9581% | 2,702 |
| Efficiency ratio | 54.2486% | 5,226 |
| Assets per employee ($millions) | 7.3444% | 780 |
| Cash dividends to net income (ytd only)* | 59.4678% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1116% | 3,645 |
| Loan loss allowance to noncurrent loans | 45.8242% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 1.3811% | 1,243 |
| Noncurrent loans to loans | 2.4258% | 656 |
| Net loans and leases to total assets | 54.0901% | 4,440 |
| Net loans and leases to deposits | 69.7529% | 3,929 |
| Net loans and leases to core deposits | 83.6733% | 3,057 |
| Total domestic deposits to total assets | 70.5617% | 5,640 |
| Equity capital to assets | 8.9957% | 4,825 |
| Core capital (leverage) ratio | 7.7121% | 5,703 |
| Tier 1 risk-based capital ratio | 10.8126% | 5,429 |
| Total risk-based capital ratio | 12.6980% | 4,988 |
| Memoranda: | ||
| Average total assets | $1,689,170,800,000 | 2 |
| Average earning assets | $1,533,758,000,000 | 2 |
| Average equity | $155,496,600,000 | 3 |
| Average total loans | $925,307,400,000 | 1 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1775% | 5,398 |
| Cost of funding earning assets | 0.2352% | 4,751 |
| Net interest margin | 2.9423% | 5,108 |
| Noninterest income to average assets | 1.6707% | 444 |
| Noninterest expense to average assets | 2.4157% | 4,240 |
| Loan and lease loss provision to assets | 0.2209% | 940 |
| Net operating income to assets | 1.1560% | 1,781 |
| Return on assets (ROA) | 1.1963% | 1,748 |
| Pretax return on assets | 1.7648% | 966 |
| Return on Equity (ROE) | 12.9201% | 1,082 |
| Retained earnings to average equity (ytd only) | 5.6332% | 2,409 |
| Net charge-offs to loans | 0.3479% | 653 |
| Credit loss provision to net charge-offs | 115.8618% | 2,145 |
| Earnings coverage of net charge-offs (x) | 10.1041% | 2,614 |
| Efficiency ratio | 54.0382% | 5,238 |
| Assets per employee ($millions) | 7.4249% | 742 |
| Cash dividends to net income (ytd only)* | 56.3997% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 3,697 |
| Loan loss allowance to noncurrent loans | 44.4962% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 1.4266% | 1,291 |
| Noncurrent loans to loans | 2.5292% | 691 |
| Net loans and leases to total assets | 53.5131% | 4,536 |
| Net loans and leases to deposits | 70.4898% | 3,939 |
| Net loans and leases to core deposits | 86.5629% | 2,900 |
| Total domestic deposits to total assets | 67.0618% | 5,791 |
| Equity capital to assets | 9.1477% | 5,028 |
| Core capital (leverage) ratio | 7.8148% | 5,758 |
| Tier 1 risk-based capital ratio | 10.7365% | 5,505 |
| Total risk-based capital ratio | 12.4976% | 5,129 |
| Memoranda: | ||
| Average total assets | $1,679,654,750,000 | 2 |
| Average earning assets | $1,525,077,500,000 | 2 |
| Average equity | $155,526,500,000 | 3 |
| Average total loans | $920,442,750,000 | 1 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1792% | 5,459 |
| Cost of funding earning assets | 0.2283% | 4,865 |
| Net interest margin | 2.9509% | 5,169 |
| Noninterest income to average assets | 1.6653% | 447 |
| Noninterest expense to average assets | 2.4211% | 4,264 |
| Loan and lease loss provision to assets | 0.2467% | 789 |
| Net operating income to assets | 1.1369% | 1,819 |
| Return on assets (ROA) | 1.1859% | 1,752 |
| Pretax return on assets | 1.7458% | 988 |
| Return on Equity (ROE) | 12.7542% | 1,090 |
| Retained earnings to average equity (ytd only) | 6.2727% | 1,973 |
| Net charge-offs to loans | 0.3640% | 639 |
| Credit loss provision to net charge-offs | 123.1649% | 1,828 |
| Earnings coverage of net charge-offs (x) | 9.5884% | 2,407 |
| Efficiency ratio | 54.1530% | 5,296 |
| Assets per employee ($millions) | 7.2840% | 771 |
| Cash dividends to net income (ytd only)* | 50.8182% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 3,702 |
| Loan loss allowance to noncurrent loans | 42.1542% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 1.5491% | 1,216 |
| Noncurrent loans to loans | 2.7103% | 598 |
| Net loans and leases to total assets | 54.2186% | 4,490 |
| Net loans and leases to deposits | 71.2347% | 3,862 |
| Net loans and leases to core deposits | 88.2489% | 2,704 |
| Total domestic deposits to total assets | 67.3952% | 5,854 |
| Equity capital to assets | 9.3009% | 4,976 |
| Core capital (leverage) ratio | 7.9050% | 5,778 |
| Tier 1 risk-based capital ratio | 10.5486% | 5,654 |
| Total risk-based capital ratio | 12.2461% | 5,345 |
| Memoranda: | ||
| Average total assets | $1,659,266,666,670 | 2 |
| Average earning assets | $1,505,016,666,670 | 2 |
| Average equity | $154,287,000,000 | 3 |
| Average total loans | $913,200,666,670 | 1 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1933% | 5,489 |
| Cost of funding earning assets | 0.2237% | 4,963 |
| Net interest margin | 2.9696% | 5,182 |
| Noninterest income to average assets | 1.6372% | 445 |
| Noninterest expense to average assets | 2.4437% | 4,244 |
| Loan and lease loss provision to assets | 0.2406% | 750 |
| Net operating income to assets | 1.1267% | 1,806 |
| Return on assets (ROA) | 1.1572% | 1,799 |
| Pretax return on assets | 1.6918% | 1,085 |
| Return on Equity (ROE) | 12.4463% | 1,170 |
| Retained earnings to average equity (ytd only) | 5.8846% | 2,427 |
| Net charge-offs to loans | 0.3545% | 630 |
| Credit loss provision to net charge-offs | 123.0961% | 1,420 |
| Earnings coverage of net charge-offs (x) | 9.6617% | 1,973 |
| Efficiency ratio | 54.7907% | 5,303 |
| Assets per employee ($millions) | 7.1760% | 822 |
| Cash dividends to net income (ytd only)* | 52.7204% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 3,814 |
| Loan loss allowance to noncurrent loans | 40.2823% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 1.6388% | 1,204 |
| Noncurrent loans to loans | 2.8386% | 598 |
| Net loans and leases to total assets | 54.4511% | 4,404 |
| Net loans and leases to deposits | 70.6473% | 3,794 |
| Net loans and leases to core deposits | 87.2540% | 2,634 |
| Total domestic deposits to total assets | 68.3228% | 5,918 |
| Equity capital to assets | 9.2509% | 4,939 |
| Core capital (leverage) ratio | 7.8986% | 5,811 |
| Tier 1 risk-based capital ratio | 10.4549% | 5,769 |
| Total risk-based capital ratio | 12.3637% | 5,353 |
| Memoranda: | ||
| Average total assets | $1,639,182,500,000 | 3 |
| Average earning assets | $1,487,612,500,000 | 2 |
| Average equity | $152,399,000,000 | 3 |
| Average total loans | $903,771,500,000 | 1 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1794% | 5,538 |
| Cost of funding earning assets | 0.1542% | 5,657 |
| Net interest margin | 3.0252% | 5,075 |
| Noninterest income to average assets | 1.7374% | 438 |
| Noninterest expense to average assets | 2.4336% | 4,427 |
| Loan and lease loss provision to assets | 0.1374% | 1,724 |
| Net operating income to assets | 1.2936% | 1,282 |
| Return on assets (ROA) | 1.3186% | 1,269 |
| Pretax return on assets | 1.9425% | 607 |
| Return on Equity (ROE) | 14.0015% | 839 |
| Retained earnings to average equity (ytd only) | 4.8683% | 2,517 |
| Net charge-offs to loans | 0.2946% | 1,031 |
| Credit loss provision to net charge-offs | 84.8544% | 2,863 |
| Earnings coverage of net charge-offs (x) | 12.5865% | 2,447 |
| Efficiency ratio | 52.6428% | 5,598 |
| Assets per employee ($millions) | 7.0388% | 874 |
| Cash dividends to net income (ytd only)* | 65.2300% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 3,682 |
| Loan loss allowance to noncurrent loans | 39.1267% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 1.7271% | 1,112 |
| Noncurrent loans to loans | 2.9756% | 544 |
| Net loans and leases to total assets | 54.5494% | 4,444 |
| Net loans and leases to deposits | 69.8033% | 3,943 |
| Net loans and leases to core deposits | 84.8942% | 2,894 |
| Total domestic deposits to total assets | 69.6008% | 5,910 |
| Equity capital to assets | 9.3453% | 4,735 |
| Core capital (leverage) ratio | 8.0100% | 5,834 |
| Tier 1 risk-based capital ratio | 10.5961% | 5,731 |
| Total risk-based capital ratio | 12.5222% | 5,286 |
| Memoranda: | ||
| Average total assets | $1,569,559,600,000 | 3 |
| Average earning assets | $1,418,811,600,000 | 2 |
| Average equity | $147,813,200,000 | 3 |
| Average total loans | $862,750,400,000 | 2 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1774% | 5,619 |
| Cost of funding earning assets | 0.1503% | 5,774 |
| Net interest margin | 3.0272% | 5,130 |
| Noninterest income to average assets | 1.7513% | 431 |
| Noninterest expense to average assets | 2.4287% | 4,417 |
| Loan and lease loss provision to assets | 0.1237% | 1,841 |
| Net operating income to assets | 1.3112% | 1,306 |
| Return on assets (ROA) | 1.3263% | 1,332 |
| Pretax return on assets | 1.9606% | 646 |
| Return on Equity (ROE) | 14.0554% | 894 |
| Retained earnings to average equity (ytd only) | 4.5407% | 3,240 |
| Net charge-offs to loans | 0.2783% | 962 |
| Credit loss provision to net charge-offs | 80.9737% | 2,598 |
| Earnings coverage of net charge-offs (x) | 13.4550% | 2,326 |
| Efficiency ratio | 52.3566% | 5,627 |
| Assets per employee ($millions) | 6.8917% | 912 |
| Cash dividends to net income (ytd only)* | 67.6939% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 3,729 |
| Loan loss allowance to noncurrent loans | 38.8711% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 1.8061% | 1,186 |
| Noncurrent loans to loans | 3.0531% | 568 |
| Net loans and leases to total assets | 54.9706% | 4,466 |
| Net loans and leases to deposits | 69.9067% | 3,997 |
| Net loans and leases to core deposits | 86.2011% | 2,829 |
| Total domestic deposits to total assets | 69.0531% | 6,005 |
| Equity capital to assets | 9.4943% | 4,757 |
| Core capital (leverage) ratio | 8.0757% | 5,862 |
| Tier 1 risk-based capital ratio | 10.4497% | 5,900 |
| Total risk-based capital ratio | 12.3984% | 5,468 |
| Memoranda: | ||
| Average total assets | $1,559,304,500,000 | 3 |
| Average earning assets | $1,407,929,250,000 | 2 |
| Average equity | $147,138,250,000 | 4 |
| Average total loans | $856,210,250,000 | 2 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1653% | 5,665 |
| Cost of funding earning assets | 0.1510% | 5,838 |
| Net interest margin | 3.0143% | 5,190 |
| Noninterest income to average assets | 1.7536% | 446 |
| Noninterest expense to average assets | 2.4434% | 4,418 |
| Loan and lease loss provision to assets | 0.1108% | 1,983 |
| Net operating income to assets | 1.3079% | 1,300 |
| Return on assets (ROA) | 1.3284% | 1,290 |
| Pretax return on assets | 1.9534% | 653 |
| Return on Equity (ROE) | 14.1074% | 880 |
| Retained earnings to average equity (ytd only) | 3.8480% | 3,554 |
| Net charge-offs to loans | 0.2750% | 960 |
| Credit loss provision to net charge-offs | 73.6932% | 2,414 |
| Earnings coverage of net charge-offs (x) | 13.4901% | 2,129 |
| Efficiency ratio | 52.8232% | 5,663 |
| Assets per employee ($millions) | 6.7718% | 942 |
| Cash dividends to net income (ytd only)* | 72.7237% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 3,742 |
| Loan loss allowance to noncurrent loans | 36.7312% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 1.9595% | 1,134 |
| Noncurrent loans to loans | 3.2881% | 561 |
| Net loans and leases to total assets | 55.2369% | 4,417 |
| Net loans and leases to deposits | 69.9471% | 3,937 |
| Net loans and leases to core deposits | 85.3049% | 2,850 |
| Total domestic deposits to total assets | 69.9088% | 6,040 |
| Equity capital to assets | 9.4691% | 4,684 |
| Core capital (leverage) ratio | 8.0009% | 5,932 |
| Tier 1 risk-based capital ratio | 10.3087% | 5,991 |
| Total risk-based capital ratio | 12.2310% | 5,637 |
| Memoranda: | ||
| Average total assets | $1,552,681,333,330 | 3 |
| Average earning assets | $1,399,871,666,670 | 2 |
| Average equity | $146,207,000,000 | 4 |
| Average total loans | $848,778,000,000 | 2 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1384% | 5,740 |
| Cost of funding earning assets | 0.1547% | 5,892 |
| Net interest margin | 2.9837% | 5,260 |
| Noninterest income to average assets | 1.6899% | 450 |
| Noninterest expense to average assets | 2.4367% | 4,486 |
| Loan and lease loss provision to assets | 0.1456% | 1,393 |
| Net operating income to assets | 1.2385% | 1,435 |
| Return on assets (ROA) | 1.2705% | 1,439 |
| Pretax return on assets | 1.8489% | 794 |
| Return on Equity (ROE) | 13.5308% | 970 |
| Retained earnings to average equity (ytd only) | 1.1802% | 5,016 |
| Net charge-offs to loans | 0.2890% | 828 |
| Credit loss provision to net charge-offs | 93.2343% | 1,723 |
| Earnings coverage of net charge-offs (x) | 12.4373% | 1,798 |
| Efficiency ratio | 53.7841% | 5,695 |
| Assets per employee ($millions) | 6.8427% | 918 |
| Cash dividends to net income (ytd only)* | 91.2779% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 3,505 |
| Loan loss allowance to noncurrent loans | 36.1039% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 2.0453% | 1,157 |
| Noncurrent loans to loans | 3.5507% | 533 |
| Net loans and leases to total assets | 52.8768% | 4,565 |
| Net loans and leases to deposits | 66.7485% | 4,074 |
| Net loans and leases to core deposits | 82.4741% | 2,912 |
| Total domestic deposits to total assets | 69.6178% | 6,148 |
| Equity capital to assets | 9.3230% | 4,933 |
| Core capital (leverage) ratio | 7.9491% | 5,970 |
| Tier 1 risk-based capital ratio | 10.2796% | 6,085 |
| Total risk-based capital ratio | 12.3063% | 5,700 |
| Memoranda: | ||
| Average total assets | $1,552,086,500,000 | 3 |
| Average earning assets | $1,398,939,500,000 | 2 |
| Average equity | $145,742,000,000 | 4 |
| Average total loans | $838,765,500,000 | 2 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3026% | 5,702 |
| Cost of funding earning assets | 0.1726% | 5,962 |
| Net interest margin | 3.1300% | 5,130 |
| Noninterest income to average assets | 1.8413% | 391 |
| Noninterest expense to average assets | 2.6009% | 4,217 |
| Loan and lease loss provision to assets | 0.0497% | 3,571 |
| Net operating income to assets | 1.3465% | 1,195 |
| Return on assets (ROA) | 1.3563% | 1,222 |
| Pretax return on assets | 2.0224% | 494 |
| Return on Equity (ROE) | 13.8224% | 965 |
| Retained earnings to average equity (ytd only) | 1.8146% | 4,899 |
| Net charge-offs to loans | 0.2918% | 1,496 |
| Credit loss provision to net charge-offs | 30.2787% | 3,832 |
| Earnings coverage of net charge-offs (x) | 12.4992% | 2,365 |
| Efficiency ratio | 53.9501% | 5,845 |
| Assets per employee ($millions) | 6.7243% | 945 |
| Cash dividends to net income (ytd only)* | 86.8721% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 3,442 |
| Loan loss allowance to noncurrent loans | 34.2536% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 2.2309% | 1,087 |
| Noncurrent loans to loans | 3.7876% | 516 |
| Net loans and leases to total assets | 53.8234% | 4,603 |
| Net loans and leases to deposits | 68.0042% | 4,124 |
| Net loans and leases to core deposits | 84.7675% | 2,811 |
| Total domestic deposits to total assets | 69.2937% | 6,224 |
| Equity capital to assets | 9.4589% | 4,769 |
| Core capital (leverage) ratio | 8.0596% | 5,960 |
| Tier 1 risk-based capital ratio | 10.4937% | 6,105 |
| Total risk-based capital ratio | 12.6074% | 5,654 |
| Memoranda: | ||
| Average total assets | $1,442,860,200,000 | 3 |
| Average earning assets | $1,295,758,600,000 | 3 |
| Average equity | $141,575,000,000 | 4 |
| Average total loans | $811,389,400,000 | 2 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3119% | 5,748 |
| Cost of funding earning assets | 0.1762% | 6,025 |
| Net interest margin | 3.1358% | 5,161 |
| Noninterest income to average assets | 1.8840% | 386 |
| Noninterest expense to average assets | 2.6103% | 4,165 |
| Loan and lease loss provision to assets | 0.0384% | 3,637 |
| Net operating income to assets | 1.3731% | 1,188 |
| Return on assets (ROA) | 1.3837% | 1,204 |
| Pretax return on assets | 2.0724% | 480 |
| Return on Equity (ROE) | 13.9666% | 992 |
| Retained earnings to average equity (ytd only) | 2.5970% | 4,737 |
| Net charge-offs to loans | 0.2873% | 1,372 |
| Credit loss provision to net charge-offs | 23.5735% | 3,541 |
| Earnings coverage of net charge-offs (x) | 12.8259% | 2,282 |
| Efficiency ratio | 53.6026% | 5,865 |
| Assets per employee ($millions) | 6.5200% | 1,016 |
| Cash dividends to net income (ytd only)* | 81.4056% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 3,393 |
| Loan loss allowance to noncurrent loans | 34.1308% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 2.5019% | 1,051 |
| Noncurrent loans to loans | 3.9589% | 543 |
| Net loans and leases to total assets | 55.2079% | 4,439 |
| Net loans and leases to deposits | 69.8517% | 3,932 |
| Net loans and leases to core deposits | 86.0807% | 2,657 |
| Total domestic deposits to total assets | 69.2040% | 6,309 |
| Equity capital to assets | 9.7606% | 4,469 |
| Core capital (leverage) ratio | 8.3303% | 5,823 |
| Tier 1 risk-based capital ratio | 10.6872% | 6,136 |
| Total risk-based capital ratio | 12.8849% | 5,634 |
| Memoranda: | ||
| Average total assets | $1,420,379,250,000 | 3 |
| Average earning assets | $1,275,194,250,000 | 2 |
| Average equity | $140,722,750,000 | 4 |
| Average total loans | $805,276,500,000 | 1 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3287% | 5,754 |
| Cost of funding earning assets | 0.1773% | 6,094 |
| Net interest margin | 3.1515% | 5,085 |
| Noninterest income to average assets | 1.9034% | 372 |
| Noninterest expense to average assets | 2.6145% | 4,187 |
| Loan and lease loss provision to assets | 0.0324% | 3,635 |
| Net operating income to assets | 1.3851% | 1,096 |
| Return on assets (ROA) | 1.3871% | 1,137 |
| Pretax return on assets | 2.0885% | 446 |
| Return on Equity (ROE) | 13.9282% | 968 |
| Retained earnings to average equity (ytd only) | 2.4493% | 4,653 |
| Net charge-offs to loans | 0.3031% | 1,335 |
| Credit loss provision to net charge-offs | 18.7914% | 3,214 |
| Earnings coverage of net charge-offs (x) | 12.2318% | 2,080 |
| Efficiency ratio | 53.3714% | 5,965 |
| Assets per employee ($millions) | 6.3227% | 1,103 |
| Cash dividends to net income (ytd only)* | 82.4148% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 3,349 |
| Loan loss allowance to noncurrent loans | 33.6339% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 2.6333% | 1,025 |
| Noncurrent loans to loans | 4.1617% | 562 |
| Net loans and leases to total assets | 55.6000% | 4,336 |
| Net loans and leases to deposits | 70.3258% | 3,781 |
| Net loans and leases to core deposits | 83.0386% | 2,849 |
| Total domestic deposits to total assets | 71.9376% | 6,254 |
| Equity capital to assets | 9.8406% | 4,304 |
| Core capital (leverage) ratio | 8.3908% | 5,750 |
| Tier 1 risk-based capital ratio | 10.6970% | 6,176 |
| Total risk-based capital ratio | 12.9829% | 5,620 |
| Memoranda: | ||
| Average total assets | $1,399,567,333,330 | 3 |
| Average earning assets | $1,253,503,666,670 | 2 |
| Average equity | $139,386,666,670 | 4 |
| Average total loans | $797,087,333,330 | 1 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3516% | 5,748 |
| Cost of funding earning assets | 0.1794% | 6,170 |
| Net interest margin | 3.1722% | 5,009 |
| Noninterest income to average assets | 1.8822% | 373 |
| Noninterest expense to average assets | 2.7295% | 3,834 |
| Loan and lease loss provision to assets | 0.0107% | 3,687 |
| Net operating income to assets | 1.3198% | 1,164 |
| Return on assets (ROA) | 1.3255% | 1,197 |
| Pretax return on assets | 1.9937% | 537 |
| Return on Equity (ROE) | 13.2270% | 1,105 |
| Retained earnings to average equity (ytd only) | 1.6649% | 4,948 |
| Net charge-offs to loans | 0.3340% | 1,072 |
| Credit loss provision to net charge-offs | 5.6061% | 2,645 |
| Earnings coverage of net charge-offs (x) | 10.4091% | 1,861 |
| Efficiency ratio | 55.8522% | 5,850 |
| Assets per employee ($millions) | 6.2718% | 1,135 |
| Cash dividends to net income (ytd only)* | 87.4126% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4845% | 3,206 |
| Loan loss allowance to noncurrent loans | 31.6343% | 5,814 |
| Noncurrent assets plus other real estate owned to assets | 2.9751% | 966 |
| Noncurrent loans to loans | 4.6927% | 499 |
| Net loans and leases to total assets | 56.2200% | 4,124 |
| Net loans and leases to deposits | 70.6170% | 3,524 |
| Net loans and leases to core deposits | 82.5847% | 2,680 |
| Total domestic deposits to total assets | 72.8162% | 6,319 |
| Equity capital to assets | 10.0219% | 3,818 |
| Core capital (leverage) ratio | 8.5074% | 5,629 |
| Tier 1 risk-based capital ratio | 10.7552% | 6,256 |
| Total risk-based capital ratio | 13.1460% | 5,634 |
| Memoranda: | ||
| Average total assets | $1,380,937,000,000 | 3 |
| Average earning assets | $1,235,110,000,000 | 2 |
| Average equity | $138,384,000,000 | 4 |
| Average total loans | $790,522,500,000 | 1 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6120% | 5,373 |
| Cost of funding earning assets | 0.2161% | 6,203 |
| Net interest margin | 3.3959% | 4,287 |
| Noninterest income to average assets | 2.1562% | 355 |
| Noninterest expense to average assets | 2.8417% | 3,563 |
| Loan and lease loss provision to assets | 0.1596% | 2,290 |
| Net operating income to assets | 1.4827% | 853 |
| Return on assets (ROA) | 1.4619% | 937 |
| Pretax return on assets | 2.1453% | 344 |
| Return on Equity (ROE) | 13.9394% | 960 |
| Retained earnings to average equity (ytd only) | 5.9009% | 2,036 |
| Net charge-offs to loans | 0.4745% | 1,403 |
| Credit loss provision to net charge-offs | 56.2399% | 3,667 |
| Earnings coverage of net charge-offs (x) | 8.1991% | 2,709 |
| Efficiency ratio | 52.8718% | 6,224 |
| Assets per employee ($millions) | 6.1585% | 1,168 |
| Cash dividends to net income (ytd only)* | 57.6671% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5747% | 2,861 |
| Loan loss allowance to noncurrent loans | 30.8122% | 5,926 |
| Noncurrent assets plus other real estate owned to assets | 3.2235% | 947 |
| Noncurrent loans to loans | 5.1106% | 478 |
| Net loans and leases to total assets | 56.5212% | 4,247 |
| Net loans and leases to deposits | 70.8644% | 3,671 |
| Net loans and leases to core deposits | 83.0826% | 2,765 |
| Total domestic deposits to total assets | 72.8712% | 6,370 |
| Equity capital to assets | 10.0202% | 3,743 |
| Core capital (leverage) ratio | 8.3073% | 5,865 |
| Tier 1 risk-based capital ratio | 10.4022% | 6,399 |
| Total risk-based capital ratio | 12.9048% | 5,760 |
| Memoranda: | ||
| Average total assets | $1,304,778,600,000 | 4 |
| Average earning assets | $1,157,233,800,000 | 3 |
| Average equity | $136,842,800,000 | 4 |
| Average total loans | $780,210,800,000 | 2 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6560% | 5,289 |
| Cost of funding earning assets | 0.2240% | 6,273 |
| Net interest margin | 3.4320% | 4,158 |
| Noninterest income to average assets | 2.2278% | 354 |
| Noninterest expense to average assets | 2.8859% | 3,357 |
| Loan and lease loss provision to assets | 0.1849% | 1,969 |
| Net operating income to assets | 1.4971% | 904 |
| Return on assets (ROA) | 1.4749% | 992 |
| Pretax return on assets | 2.1723% | 413 |
| Return on Equity (ROE) | 13.8975% | 1,013 |
| Retained earnings to average equity (ytd only) | 7.0673% | 1,839 |
| Net charge-offs to loans | 0.4988% | 1,289 |
| Credit loss provision to net charge-offs | 61.3535% | 3,270 |
| Earnings coverage of net charge-offs (x) | 7.8969% | 2,708 |
| Efficiency ratio | 52.6928% | 6,208 |
| Assets per employee ($millions) | 5.8706% | 1,326 |
| Cash dividends to net income (ytd only)* | 49.1469% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6619% | 2,759 |
| Loan loss allowance to noncurrent loans | 31.8235% | 5,919 |
| Noncurrent assets plus other real estate owned to assets | 3.3555% | 1,037 |
| Noncurrent loans to loans | 5.2223% | 551 |
| Net loans and leases to total assets | 57.7893% | 4,048 |
| Net loans and leases to deposits | 73.2489% | 3,356 |
| Net loans and leases to core deposits | 85.1837% | 2,513 |
| Total domestic deposits to total assets | 72.3448% | 6,469 |
| Equity capital to assets | 10.3894% | 3,404 |
| Core capital (leverage) ratio | 8.7243% | 5,499 |
| Tier 1 risk-based capital ratio | 10.5291% | 6,441 |
| Total risk-based capital ratio | 13.1233% | 5,804 |
| Memoranda: | ||
| Average total assets | $1,287,573,250,000 | 4 |
| Average earning assets | $1,139,945,250,000 | 3 |
| Average equity | $136,644,250,000 | 4 |
| Average total loans | $778,064,500,000 | 2 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6943% | 5,157 |
| Cost of funding earning assets | 0.2330% | 6,287 |
| Net interest margin | 3.4613% | 3,954 |
| Noninterest income to average assets | 2.3598% | 353 |
| Noninterest expense to average assets | 2.9462% | 3,183 |
| Loan and lease loss provision to assets | 0.2775% | 1,324 |
| Net operating income to assets | 1.4838% | 925 |
| Return on assets (ROA) | 1.4608% | 1,036 |
| Pretax return on assets | 2.1716% | 443 |
| Return on Equity (ROE) | 13.6650% | 1,080 |
| Retained earnings to average equity (ytd only) | 9.9940% | 842 |
| Net charge-offs to loans | 0.5421% | 1,221 |
| Credit loss provision to net charge-offs | 83.9108% | 2,554 |
| Earnings coverage of net charge-offs (x) | 7.4775% | 2,541 |
| Efficiency ratio | 52.2941% | 6,266 |
| Assets per employee ($millions) | 5.5720% | 1,519 |
| Cash dividends to net income (ytd only)* | 26.8644% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7755% | 2,509 |
| Loan loss allowance to noncurrent loans | 32.6539% | 5,922 |
| Noncurrent assets plus other real estate owned to assets | 3.5387% | 1,077 |
| Noncurrent loans to loans | 5.4374% | 564 |
| Net loans and leases to total assets | 59.4714% | 3,752 |
| Net loans and leases to deposits | 75.5140% | 2,946 |
| Net loans and leases to core deposits | 87.3311% | 2,191 |
| Total domestic deposits to total assets | 71.9451% | 6,564 |
| Equity capital to assets | 10.7282% | 3,023 |
| Core capital (leverage) ratio | 8.8635% | 5,204 |
| Tier 1 risk-based capital ratio | 10.8299% | 6,404 |
| Total risk-based capital ratio | 13.4770% | 5,607 |
| Memoranda: | ||
| Average total assets | $1,274,094,333,330 | 4 |
| Average earning assets | $1,126,233,666,670 | 3 |
| Average equity | $136,201,666,670 | 4 |
| Average total loans | $777,280,000,000 | 2 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6873% | 5,210 |
| Cost of funding earning assets | 0.2321% | 6,398 |
| Net interest margin | 3.4552% | 3,876 |
| Noninterest income to average assets | 2.3340% | 347 |
| Noninterest expense to average assets | 2.9513% | 3,154 |
| Loan and lease loss provision to assets | 0.3625% | 893 |
| Net operating income to assets | 1.4373% | 971 |
| Return on assets (ROA) | 1.4280% | 1,067 |
| Pretax return on assets | 2.0658% | 534 |
| Return on Equity (ROE) | 13.3827% | 1,081 |
| Retained earnings to average equity (ytd only) | 11.9056% | 715 |
| Net charge-offs to loans | 0.6079% | 1,001 |
| Credit loss provision to net charge-offs | 97.3751% | 1,911 |
| Earnings coverage of net charge-offs (x) | 6.5360% | 2,201 |
| Efficiency ratio | 52.7135% | 6,336 |
| Assets per employee ($millions) | 5.5027% | 1,667 |
| Cash dividends to net income (ytd only)* | 11.0375% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8166% | 2,563 |
| Loan loss allowance to noncurrent loans | 31.5797% | 5,962 |
| Noncurrent assets plus other real estate owned to assets | 3.7851% | 1,089 |
| Noncurrent loans to loans | 5.7525% | 600 |
| Net loans and leases to total assets | 60.0817% | 3,413 |
| Net loans and leases to deposits | 76.3609% | 2,577 |
| Net loans and leases to core deposits | 85.9147% | 2,113 |
| Total domestic deposits to total assets | 73.3195% | 6,577 |
| Equity capital to assets | 10.7842% | 3,213 |
| Core capital (leverage) ratio | 8.7116% | 5,313 |
| Tier 1 risk-based capital ratio | 10.5358% | 6,568 |
| Total risk-based capital ratio | 13.0298% | 6,019 |
| Memoranda: | ||
| Average total assets | $1,268,872,500,000 | 4 |
| Average earning assets | $1,120,275,500,000 | 3 |
| Average equity | $135,398,500,000 | 4 |
| Average total loans | $777,049,000,000 | 1 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0783% | 5,021 |
| Cost of funding earning assets | 0.2813% | 6,548 |
| Net interest margin | 3.7970% | 3,240 |
| Noninterest income to average assets | 2.5063% | 319 |
| Noninterest expense to average assets | 3.2192% | 2,551 |
| Loan and lease loss provision to assets | 0.4736% | 1,306 |
| Net operating income to assets | 1.4162% | 1,068 |
| Return on assets (ROA) | 1.3831% | 1,240 |
| Pretax return on assets | 2.0783% | 515 |
| Return on Equity (ROE) | 13.0679% | 1,210 |
| Retained earnings to average equity (ytd only) | 3.4360% | 3,806 |
| Net charge-offs to loans | 0.9977% | 1,099 |
| Credit loss provision to net charge-offs | 75.6782% | 3,985 |
| Earnings coverage of net charge-offs (x) | 4.1372% | 3,468 |
| Efficiency ratio | 53.1420% | 6,362 |
| Assets per employee ($millions) | 5.5591% | 1,632 |
| Cash dividends to net income (ytd only)* | 73.7064% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8344% | 2,484 |
| Loan loss allowance to noncurrent loans | 30.8844% | 6,030 |
| Noncurrent assets plus other real estate owned to assets | 3.9570% | 1,085 |
| Noncurrent loans to loans | 5.9396% | 603 |
| Net loans and leases to total assets | 60.1613% | 3,578 |
| Net loans and leases to deposits | 76.5977% | 2,703 |
| Net loans and leases to core deposits | 86.3343% | 2,269 |
| Total domestic deposits to total assets | 72.5308% | 6,658 |
| Equity capital to assets | 10.5569% | 3,457 |
| Core capital (leverage) ratio | 8.4671% | 5,664 |
| Tier 1 risk-based capital ratio | 10.1060% | 6,672 |
| Total risk-based capital ratio | 12.4549% | 6,236 |
| Memoranda: | ||
| Average total assets | $1,201,683,600,000 | 4 |
| Average earning assets | $1,044,973,200,000 | 4 |
| Average equity | $127,181,400,000 | 4 |
| Average total loans | $753,751,600,000 | 1 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1565% | 4,960 |
| Cost of funding earning assets | 0.2911% | 6,653 |
| Net interest margin | 3.8655% | 3,048 |
| Noninterest income to average assets | 2.4956% | 313 |
| Noninterest expense to average assets | 3.2422% | 2,447 |
| Loan and lease loss provision to assets | 0.4728% | 1,312 |
| Net operating income to assets | 1.3773% | 1,275 |
| Return on assets (ROA) | 1.3456% | 1,483 |
| Pretax return on assets | 2.0983% | 576 |
| Return on Equity (ROE) | 12.7053% | 1,412 |
| Retained earnings to average equity (ytd only) | 2.3521% | 5,158 |
| Net charge-offs to loans | 1.0373% | 1,014 |
| Credit loss provision to net charge-offs | 72.2213% | 3,844 |
| Earnings coverage of net charge-offs (x) | 3.9809% | 3,438 |
| Efficiency ratio | 53.1392% | 6,338 |
| Assets per employee ($millions) | 5.3845% | 1,747 |
| Cash dividends to net income (ytd only)* | 81.4877% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9056% | 2,451 |
| Loan loss allowance to noncurrent loans | 31.7065% | 6,056 |
| Noncurrent assets plus other real estate owned to assets | 4.0936% | 1,177 |
| Noncurrent loans to loans | 6.0102% | 680 |
| Net loans and leases to total assets | 61.2415% | 3,525 |
| Net loans and leases to deposits | 78.3130% | 2,621 |
| Net loans and leases to core deposits | 87.7059% | 2,248 |
| Total domestic deposits to total assets | 71.9098% | 6,746 |
| Equity capital to assets | 10.5455% | 3,786 |
| Core capital (leverage) ratio | 8.2139% | 6,126 |
| Tier 1 risk-based capital ratio | 9.6790% | 6,873 |
| Total risk-based capital ratio | 12.0922% | 6,524 |
| Memoranda: | ||
| Average total assets | $1,185,573,250,000 | 4 |
| Average earning assets | $1,028,295,250,000 | 4 |
| Average equity | $125,561,000,000 | 4 |
| Average total loans | $748,201,750,000 | 1 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2390% | 4,814 |
| Cost of funding earning assets | 0.3013% | 6,736 |
| Net interest margin | 3.9377% | 2,755 |
| Noninterest income to average assets | 2.4857% | 301 |
| Noninterest expense to average assets | 3.3241% | 2,240 |
| Loan and lease loss provision to assets | 0.5316% | 1,177 |
| Net operating income to assets | 1.2850% | 1,478 |
| Return on assets (ROA) | 1.2497% | 1,737 |
| Pretax return on assets | 1.9988% | 699 |
| Return on Equity (ROE) | 11.7827% | 1,735 |
| Retained earnings to average equity (ytd only) | 1.3470% | 5,520 |
| Net charge-offs to loans | 1.0267% | 1,071 |
| Credit loss provision to net charge-offs | 81.7491% | 3,268 |
| Earnings coverage of net charge-offs (x) | 3.9534% | 3,221 |
| Efficiency ratio | 54.0830% | 6,309 |
| Assets per employee ($millions) | 5.2575% | 1,859 |
| Cash dividends to net income (ytd only)* | 88.5679% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0562% | 2,096 |
| Loan loss allowance to noncurrent loans | 33.7057% | 5,985 |
| Noncurrent assets plus other real estate owned to assets | 4.2525% | 1,178 |
| Noncurrent loans to loans | 6.1004% | 713 |
| Net loans and leases to total assets | 62.4793% | 3,342 |
| Net loans and leases to deposits | 80.0563% | 2,373 |
| Net loans and leases to core deposits | 89.6855% | 2,016 |
| Total domestic deposits to total assets | 71.8297% | 6,809 |
| Equity capital to assets | 10.6457% | 3,518 |
| Core capital (leverage) ratio | 8.2772% | 5,951 |
| Tier 1 risk-based capital ratio | 9.6907% | 6,890 |
| Total risk-based capital ratio | 12.1364% | 6,531 |
| Memoranda: | ||
| Average total assets | $1,174,499,000,000 | 4 |
| Average earning assets | $1,016,934,000,000 | 4 |
| Average equity | $124,572,000,000 | 4 |
| Average total loans | $743,966,000,000 | 1 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2301% | 4,995 |
| Cost of funding earning assets | 0.3095% | 6,814 |
| Net interest margin | 3.9206% | 2,837 |
| Noninterest income to average assets | 2.5103% | 300 |
| Noninterest expense to average assets | 3.3358% | 2,186 |
| Loan and lease loss provision to assets | 0.5759% | 1,002 |
| Net operating income to assets | 1.3135% | 1,422 |
| Return on assets (ROA) | 1.2864% | 1,664 |
| Pretax return on assets | 1.9613% | 794 |
| Return on Equity (ROE) | 12.1511% | 1,629 |
| Retained earnings to average equity (ytd only) | 1.6704% | 5,396 |
| Net charge-offs to loans | 1.0769% | 959 |
| Credit loss provision to net charge-offs | 84.7313% | 2,646 |
| Earnings coverage of net charge-offs (x) | 3.7740% | 2,751 |
| Efficiency ratio | 54.2204% | 6,322 |
| Assets per employee ($millions) | 5.2350% | 1,948 |
| Cash dividends to net income (ytd only)* | 86.2527% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1551% | 1,978 |
| Loan loss allowance to noncurrent loans | 33.6707% | 5,985 |
| Noncurrent assets plus other real estate owned to assets | 4.3892% | 1,229 |
| Noncurrent loans to loans | 6.4006% | 748 |
| Net loans and leases to total assets | 61.2122% | 3,408 |
| Net loans and leases to deposits | 78.6414% | 2,391 |
| Net loans and leases to core deposits | 87.2628% | 2,139 |
| Total domestic deposits to total assets | 72.1758% | 6,867 |
| Equity capital to assets | 10.5532% | 3,422 |
| Core capital (leverage) ratio | 8.3586% | 5,797 |
| Tier 1 risk-based capital ratio | 9.7261% | 6,931 |
| Total risk-based capital ratio | 12.3245% | 6,489 |
| Memoranda: | ||
| Average total assets | $1,171,653,500,000 | 4 |
| Average earning assets | $1,013,316,500,000 | 4 |
| Average equity | $124,038,500,000 | 4 |
| Average total loans | $739,521,500,000 | 2 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4449% | 5,267 |
| Cost of funding earning assets | 0.3971% | 6,892 |
| Net interest margin | 4.0478% | 2,641 |
| Noninterest income to average assets | 2.3278% | 299 |
| Noninterest expense to average assets | 3.4248% | 2,180 |
| Loan and lease loss provision to assets | 0.5715% | 1,817 |
| Net operating income to assets | 1.1972% | 1,520 |
| Return on assets (ROA) | 1.1649% | 1,729 |
| Pretax return on assets | 1.7642% | 869 |
| Return on Equity (ROE) | 10.5836% | 1,850 |
| Retained earnings to average equity (ytd only) | 1.0182% | 5,386 |
| Net charge-offs to loans | 1.2955% | 1,271 |
| Credit loss provision to net charge-offs | 68.3857% | 4,915 |
| Earnings coverage of net charge-offs (x) | 2.8387% | 3,793 |
| Efficiency ratio | 56.3174% | 6,277 |
| Assets per employee ($millions) | 5.1419% | 2,006 |
| Cash dividends to net income (ytd only)* | 90.3799% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2117% | 1,784 |
| Loan loss allowance to noncurrent loans | 34.1210% | 5,931 |
| Noncurrent assets plus other real estate owned to assets | 4.5233% | 1,213 |
| Noncurrent loans to loans | 6.4820% | 725 |
| Net loans and leases to total assets | 62.2763% | 3,543 |
| Net loans and leases to deposits | 79.8687% | 2,543 |
| Net loans and leases to core deposits | 89.5134% | 2,195 |
| Total domestic deposits to total assets | 71.6966% | 6,891 |
| Equity capital to assets | 10.6207% | 3,397 |
| Core capital (leverage) ratio | 8.2989% | 5,858 |
| Tier 1 risk-based capital ratio | 9.5918% | 6,942 |
| Total risk-based capital ratio | 12.2725% | 6,427 |
| Memoranda: | ||
| Average total assets | $1,120,778,233,200 | 4 |
| Average earning assets | $960,542,596,600 | 4 |
| Average equity | $123,360,300,200 | 4 |
| Average total loans | $722,970,600,000 | 2 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4790% | 5,314 |
| Cost of funding earning assets | 0.4093% | 6,995 |
| Net interest margin | 4.0698% | 2,604 |
| Noninterest income to average assets | 2.3182% | 298 |
| Noninterest expense to average assets | 3.4562% | 2,057 |
| Loan and lease loss provision to assets | 0.5558% | 1,770 |
| Net operating income to assets | 1.1909% | 1,677 |
| Return on assets (ROA) | 1.1532% | 1,921 |
| Pretax return on assets | 1.7459% | 1,049 |
| Return on Equity (ROE) | 10.3823% | 2,076 |
| Retained earnings to average equity (ytd only) | 1.4115% | 5,442 |
| Net charge-offs to loans | 1.3348% | 1,137 |
| Credit loss provision to net charge-offs | 64.3413% | 4,658 |
| Earnings coverage of net charge-offs (x) | 2.7166% | 3,770 |
| Efficiency ratio | 56.7690% | 6,178 |
| Assets per employee ($millions) | 5.0768% | 2,099 |
| Cash dividends to net income (ytd only)* | 86.4043% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3076% | 1,676 |
| Loan loss allowance to noncurrent loans | 36.7374% | 5,840 |
| Noncurrent assets plus other real estate owned to assets | 4.4369% | 1,352 |
| Noncurrent loans to loans | 6.2814% | 861 |
| Net loans and leases to total assets | 62.3573% | 3,640 |
| Net loans and leases to deposits | 80.4843% | 2,592 |
| Net loans and leases to core deposits | 92.0098% | 1,992 |
| Total domestic deposits to total assets | 69.8217% | 7,049 |
| Equity capital to assets | 10.8024% | 3,352 |
| Core capital (leverage) ratio | 8.4875% | 5,730 |
| Tier 1 risk-based capital ratio | 10.2644% | 6,871 |
| Total risk-based capital ratio | 13.0825% | 5,997 |
| Memoranda: | ||
| Average total assets | $1,110,600,291,500 | 4 |
| Average earning assets | $950,983,745,750 | 4 |
| Average equity | $123,360,875,250 | 4 |
| Average total loans | $718,790,000,000 | 2 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5422% | 5,204 |
| Cost of funding earning assets | 0.4239% | 7,078 |
| Net interest margin | 4.1183% | 2,344 |
| Noninterest income to average assets | 2.3635% | 292 |
| Noninterest expense to average assets | 3.5157% | 1,943 |
| Loan and lease loss provision to assets | 0.6338% | 1,514 |
| Net operating income to assets | 1.1405% | 1,754 |
| Return on assets (ROA) | 1.0929% | 1,986 |
| Pretax return on assets | 1.6761% | 1,100 |
| Return on Equity (ROE) | 9.7462% | 2,213 |
| Retained earnings to average equity (ytd only) | 1.8014% | 5,095 |
| Net charge-offs to loans | 1.4052% | 1,079 |
| Credit loss provision to net charge-offs | 69.3593% | 4,074 |
| Earnings coverage of net charge-offs (x) | 2.5937% | 3,532 |
| Efficiency ratio | 56.9425% | 6,306 |
| Assets per employee ($millions) | 4.8575% | 2,327 |
| Cash dividends to net income (ytd only)* | 81.5172% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5215% | 1,415 |
| Loan loss allowance to noncurrent loans | 39.3087% | 5,698 |
| Noncurrent assets plus other real estate owned to assets | 4.5657% | 1,373 |
| Noncurrent loans to loans | 6.4147% | 880 |
| Net loans and leases to total assets | 62.7100% | 3,738 |
| Net loans and leases to deposits | 81.0371% | 2,610 |
| Net loans and leases to core deposits | 93.7896% | 1,921 |
| Total domestic deposits to total assets | 68.8931% | 7,160 |
| Equity capital to assets | 11.2125% | 2,754 |
| Core capital (leverage) ratio | 8.6391% | 5,326 |
| Tier 1 risk-based capital ratio | 10.3067% | 6,870 |
| Total risk-based capital ratio | 13.1576% | 5,830 |
| Memoranda: | ||
| Average total assets | $1,100,049,055,330 | 4 |
| Average earning assets | $940,821,327,670 | 4 |
| Average equity | $123,350,833,670 | 4 |
| Average total loans | $715,352,000,000 | 2 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5469% | 5,183 |
| Cost of funding earning assets | 0.4339% | 7,151 |
| Net interest margin | 4.1130% | 2,223 |
| Noninterest income to average assets | 2.4135% | 282 |
| Noninterest expense to average assets | 3.5097% | 1,981 |
| Loan and lease loss provision to assets | 0.6982% | 1,208 |
| Net operating income to assets | 1.1513% | 1,661 |
| Return on assets (ROA) | 1.1078% | 1,868 |
| Pretax return on assets | 1.6727% | 1,029 |
| Return on Equity (ROE) | 9.8792% | 2,139 |
| Retained earnings to average equity (ytd only) | 5.0046% | 3,194 |
| Net charge-offs to loans | 1.5049% | 906 |
| Credit loss provision to net charge-offs | 70.9630% | 3,337 |
| Earnings coverage of net charge-offs (x) | 2.4670% | 3,097 |
| Efficiency ratio | 56.2853% | 6,470 |
| Assets per employee ($millions) | 4.7398% | 2,510 |
| Cash dividends to net income (ytd only)* | 49.3421% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6610% | 1,246 |
| Loan loss allowance to noncurrent loans | 38.7180% | 5,719 |
| Noncurrent assets plus other real estate owned to assets | 4.9279% | 1,279 |
| Noncurrent loans to loans | 6.8727% | 823 |
| Net loans and leases to total assets | 62.8469% | 3,689 |
| Net loans and leases to deposits | 81.4642% | 2,451 |
| Net loans and leases to core deposits | 94.4502% | 1,838 |
| Total domestic deposits to total assets | 68.5918% | 7,247 |
| Equity capital to assets | 11.3363% | 2,388 |
| Core capital (leverage) ratio | 8.7846% | 4,953 |
| Tier 1 risk-based capital ratio | 10.4193% | 6,853 |
| Total risk-based capital ratio | 13.3580% | 5,591 |
| Memoranda: | ||
| Average total assets | $1,097,657,083,000 | 4 |
| Average earning assets | $940,329,991,500 | 4 |
| Average equity | $123,086,750,500 | 4 |
| Average total loans | $717,646,500,000 | 2 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9066% | 5,003 |
| Cost of funding earning assets | 0.5119% | 7,283 |
| Net interest margin | 4.3947% | 1,490 |
| Noninterest income to average assets | 2.6399% | 273 |
| Noninterest expense to average assets | 3.5552% | 2,046 |
| Loan and lease loss provision to assets | 1.2643% | 1,232 |
| Net operating income to assets | 1.0299% | 1,935 |
| Return on assets (ROA) | 0.9838% | 2,206 |
| Pretax return on assets | 1.4930% | 1,393 |
| Return on Equity (ROE) | 8.6226% | 2,455 |
| Retained earnings to average equity (ytd only) | -1.4795% | 5,883 |
| Net charge-offs to loans | 2.0640% | 974 |
| Credit loss provision to net charge-offs | 91.1776% | 5,074 |
| Earnings coverage of net charge-offs (x) | 2.0295% | 4,211 |
| Efficiency ratio | 52.7974% | 6,916 |
| Assets per employee ($millions) | 4.7649% | 2,461 |
| Cash dividends to net income (ytd only)* | 117.1583% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6916% | 1,183 |
| Loan loss allowance to noncurrent loans | 38.4835% | 5,732 |
| Noncurrent assets plus other real estate owned to assets | 5.1527% | 1,232 |
| Noncurrent loans to loans | 6.9940% | 805 |
| Net loans and leases to total assets | 64.4067% | 3,784 |
| Net loans and leases to deposits | 83.8206% | 2,482 |
| Net loans and leases to core deposits | 98.1156% | 1,789 |
| Total domestic deposits to total assets | 67.8361% | 7,330 |
| Equity capital to assets | 11.0915% | 2,607 |
| Core capital (leverage) ratio | 8.5250% | 5,310 |
| Tier 1 risk-based capital ratio | 10.0729% | 6,946 |
| Total risk-based capital ratio | 13.0862% | 5,620 |
| Memoranda: | ||
| Average total assets | $1,088,805,846,400 | 4 |
| Average earning assets | $924,006,882,600 | 4 |
| Average equity | $124,231,514,200 | 3 |
| Average total loans | $731,495,103,000 | 2 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9600% | 4,991 |
| Cost of funding earning assets | 0.5260% | 7,408 |
| Net interest margin | 4.4341% | 1,415 |
| Noninterest income to average assets | 2.6116% | 261 |
| Noninterest expense to average assets | 3.5326% | 1,955 |
| Loan and lease loss provision to assets | 1.3844% | 979 |
| Net operating income to assets | 0.9540% | 2,399 |
| Return on assets (ROA) | 0.9231% | 2,660 |
| Pretax return on assets | 1.4131% | 1,846 |
| Return on Equity (ROE) | 8.0338% | 2,883 |
| Retained earnings to average equity (ytd only) | -1.9082% | 6,180 |
| Net charge-offs to loans | 2.1576% | 851 |
| Credit loss provision to net charge-offs | 95.1456% | 4,557 |
| Earnings coverage of net charge-offs (x) | 1.9462% | 4,247 |
| Efficiency ratio | 52.4743% | 6,938 |
| Assets per employee ($millions) | 5.4457% | 1,676 |
| Cash dividends to net income (ytd only)* | 123.7525% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8442% | 969 |
| Loan loss allowance to noncurrent loans | 37.7025% | 5,821 |
| Noncurrent assets plus other real estate owned to assets | 5.6074% | 1,095 |
| Noncurrent loans to loans | 7.5437% | 716 |
| Net loans and leases to total assets | 65.1957% | 3,869 |
| Net loans and leases to deposits | 86.0530% | 2,329 |
| Net loans and leases to core deposits | 99.5798% | 1,888 |
| Total domestic deposits to total assets | 67.8417% | 7,388 |
| Equity capital to assets | 11.4586% | 2,563 |
| Core capital (leverage) ratio | 8.7070% | 5,173 |
| Tier 1 risk-based capital ratio | 10.1846% | 6,965 |
| Total risk-based capital ratio | 13.3600% | 5,318 |
| Memoranda: | ||
| Average total assets | $1,085,431,829,500 | 4 |
| Average earning assets | $918,653,612,750 | 4 |
| Average equity | $124,719,251,000 | 3 |
| Average total loans | $731,974,378,750 | 2 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9859% | 5,004 |
| Cost of funding earning assets | 0.5325% | 7,502 |
| Net interest margin | 4.4534% | 1,308 |
| Noninterest income to average assets | 2.5926% | 259 |
| Noninterest expense to average assets | 3.5343% | 1,946 |
| Loan and lease loss provision to assets | 1.5158% | 870 |
| Net operating income to assets | 0.8586% | 2,699 |
| Return on assets (ROA) | 0.8347% | 2,958 |
| Pretax return on assets | 1.2738% | 2,173 |
| Return on Equity (ROE) | 7.2581% | 3,194 |
| Retained earnings to average equity (ytd only) | -0.3971% | 5,820 |
| Net charge-offs to loans | 2.2628% | 790 |
| Credit loss provision to net charge-offs | 99.1720% | 4,141 |
| Earnings coverage of net charge-offs (x) | 1.8409% | 4,140 |
| Efficiency ratio | 52.6453% | 7,012 |
| Assets per employee ($millions) | 5.4874% | 1,629 |
| Cash dividends to net income (ytd only)* | 105.4713% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8988% | 919 |
| Loan loss allowance to noncurrent loans | 37.4436% | 5,863 |
| Noncurrent assets plus other real estate owned to assets | 5.6531% | 1,074 |
| Noncurrent loans to loans | 7.7419% | 680 |
| Net loans and leases to total assets | 65.5151% | 3,935 |
| Net loans and leases to deposits | 86.0548% | 2,495 |
| Net loans and leases to core deposits | 101.3100% | 1,889 |
| Total domestic deposits to total assets | 67.0135% | 7,482 |
| Equity capital to assets | 11.5427% | 2,406 |
| Core capital (leverage) ratio | 8.8147% | 4,891 |
| Tier 1 risk-based capital ratio | 10.2427% | 6,885 |
| Total risk-based capital ratio | 13.4217% | 5,130 |
| Memoranda: | ||
| Average total assets | $1,090,412,772,670 | 4 |
| Average earning assets | $919,474,817,000 | 4 |
| Average equity | $125,404,668,000 | 3 |
| Average total loans | $736,517,838,330 | 2 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9461% | 5,249 |
| Cost of funding earning assets | 0.5526% | 7,598 |
| Net interest margin | 4.3935% | 1,411 |
| Noninterest income to average assets | 2.6279% | 240 |
| Noninterest expense to average assets | 3.3863% | 2,272 |
| Loan and lease loss provision to assets | 1.7544% | 647 |
| Net operating income to assets | 0.7689% | 3,113 |
| Return on assets (ROA) | 0.7482% | 3,328 |
| Pretax return on assets | 1.1539% | 2,538 |
| Return on Equity (ROE) | 6.5625% | 3,593 |
| Retained earnings to average equity (ytd only) | 6.5625% | 2,341 |
| Net charge-offs to loans | 2.4537% | 672 |
| Credit loss provision to net charge-offs | 106.0071% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.7699% | 3,672 |
| Efficiency ratio | 50.5932% | 7,273 |
| Assets per employee ($millions) | 5.5104% | 1,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9190% | 880 |
| Loan loss allowance to noncurrent loans | 36.0206% | 5,972 |
| Noncurrent assets plus other real estate owned to assets | 5.9227% | 1,024 |
| Noncurrent loans to loans | 8.1038% | 662 |
| Net loans and leases to total assets | 66.6819% | 3,705 |
| Net loans and leases to deposits | 88.4497% | 2,143 |
| Net loans and leases to core deposits | 102.6219% | 1,846 |
| Total domestic deposits to total assets | 67.3843% | 7,558 |
| Equity capital to assets | 11.7333% | 2,210 |
| Core capital (leverage) ratio | 8.7639% | 4,915 |
| Tier 1 risk-based capital ratio | 10.0544% | 6,992 |
| Total risk-based capital ratio | 13.1306% | 5,266 |
| Memoranda: | ||
| Average total assets | $1,094,417,831,500 | 4 |
| Average earning assets | $918,542,616,500 | 4 |
| Average equity | $124,770,135,000 | 3 |
| Average total loans | $738,140,732,500 | 2 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3465% | 4,956 |
| Cost of funding earning assets | 0.5532% | 7,801 |
| Net interest margin | 4.7933% | 707 |
| Noninterest income to average assets | 3.8879% | 175 |
| Noninterest expense to average assets | 3.9591% | 1,420 |
| Loan and lease loss provision to assets | 1.9365% | 1,142 |
| Net operating income to assets | 1.3652% | 910 |
| Return on assets (ROA) | 1.2907% | 1,101 |
| Pretax return on assets | 1.9901% | 411 |
| Return on Equity (ROE) | 14.4557% | 719 |
| Retained earnings to average equity (ytd only) | 1.4177% | 4,075 |
| Net charge-offs to loans | 2.5281% | 913 |
| Credit loss provision to net charge-offs | 113.6547% | 4,821 |
| Earnings coverage of net charge-offs (x) | 2.3611% | 3,955 |
| Efficiency ratio | 49.2503% | 7,579 |
| Assets per employee ($millions) | 4.1817% | 3,474 |
| Cash dividends to net income (ytd only)* | 90.1931% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8465% | 882 |
| Loan loss allowance to noncurrent loans | 33.4893% | 6,208 |
| Noncurrent assets plus other real estate owned to assets | 5.9569% | 951 |
| Noncurrent loans to loans | 8.4998% | 565 |
| Net loans and leases to total assets | 64.5858% | 4,472 |
| Net loans and leases to deposits | 83.3236% | 3,395 |
| Net loans and leases to core deposits | 98.9692% | 4,118 |
| Total domestic deposits to total assets | 68.0266% | 7,548 |
| Equity capital to assets | 9.2669% | 4,743 |
| Core capital (leverage) ratio | 7.5032% | 6,786 |
| Tier 1 risk-based capital ratio | 8.8954% | 7,512 |
| Total risk-based capital ratio | 11.8699% | 6,255 |
| Memoranda: | ||
| Average total assets | $609,915,604,000 | 4 |
| Average earning assets | $520,959,186,400 | 4 |
| Average equity | $54,456,103,600 | 5 |
| Average total loans | $411,067,264,000 | 4 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4127% | 4,884 |
| Cost of funding earning assets | 0.5429% | 7,918 |
| Net interest margin | 4.8698% | 595 |
| Noninterest income to average assets | 4.0758% | 164 |
| Noninterest expense to average assets | 4.1131% | 1,122 |
| Loan and lease loss provision to assets | 1.9665% | 925 |
| Net operating income to assets | 1.3990% | 1,033 |
| Return on assets (ROA) | 1.3105% | 1,271 |
| Pretax return on assets | 2.0291% | 514 |
| Return on Equity (ROE) | 15.1963% | 746 |
| Retained earnings to average equity (ytd only) | 6.4336% | 1,744 |
| Net charge-offs to loans | 2.6712% | 677 |
| Credit loss provision to net charge-offs | 111.8863% | 4,537 |
| Earnings coverage of net charge-offs (x) | 2.3390% | 4,068 |
| Efficiency ratio | 49.6695% | 7,579 |
| Assets per employee ($millions) | 3.8122% | 4,165 |
| Cash dividends to net income (ytd only)* | 57.6637% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7797% | 808 |
| Loan loss allowance to noncurrent loans | 43.2573% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 4.5007% | 1,359 |
| Noncurrent loans to loans | 6.4259% | 899 |
| Net loans and leases to total assets | 64.0965% | 4,849 |
| Net loans and leases to deposits | 80.0138% | 4,382 |
| Net loans and leases to core deposits | 95.9950% | 4,813 |
| Total domestic deposits to total assets | 69.6692% | 7,441 |
| Equity capital to assets | 9.2938% | 5,046 |
| Core capital (leverage) ratio | 7.1253% | 7,337 |
| Tier 1 risk-based capital ratio | 8.4112% | 7,743 |
| Total risk-based capital ratio | 11.8174% | 6,359 |
| Memoranda: | ||
| Average total assets | $546,948,636,250 | 5 |
| Average earning assets | $465,907,616,000 | 5 |
| Average equity | $47,168,146,250 | 5 |
| Average total loans | $359,882,771,750 | 5 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4799% | 4,734 |
| Cost of funding earning assets | 0.5796% | 8,000 |
| Net interest margin | 4.9003% | 538 |
| Noninterest income to average assets | 4.1792% | 161 |
| Noninterest expense to average assets | 4.1072% | 1,181 |
| Loan and lease loss provision to assets | 1.9726% | 823 |
| Net operating income to assets | 1.4406% | 942 |
| Return on assets (ROA) | 1.2222% | 1,495 |
| Pretax return on assets | 1.9418% | 645 |
| Return on Equity (ROE) | 14.5502% | 894 |
| Retained earnings to average equity (ytd only) | 11.9371% | 457 |
| Net charge-offs to loans | 2.6132% | 648 |
| Credit loss provision to net charge-offs | 114.7967% | 4,033 |
| Earnings coverage of net charge-offs (x) | 2.4631% | 3,839 |
| Efficiency ratio | 48.9033% | 7,718 |
| Assets per employee ($millions) | 3.7117% | 4,293 |
| Cash dividends to net income (ytd only)* | 17.9587% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7437% | 717 |
| Loan loss allowance to noncurrent loans | 49.3265% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 3.9758% | 1,499 |
| Noncurrent loans to loans | 5.5623% | 1,038 |
| Net loans and leases to total assets | 64.9474% | 4,773 |
| Net loans and leases to deposits | 87.0024% | 3,360 |
| Net loans and leases to core deposits | 113.3499% | 2,985 |
| Total domestic deposits to total assets | 60.3047% | 7,926 |
| Equity capital to assets | 9.1870% | 5,034 |
| Core capital (leverage) ratio | 7.1181% | 7,437 |
| Tier 1 risk-based capital ratio | 8.4675% | 7,847 |
| Total risk-based capital ratio | 12.6124% | 5,444 |
| Memoranda: | ||
| Average total assets | $546,701,515,000 | 5 |
| Average earning assets | $464,132,821,330 | 5 |
| Average equity | $45,923,861,670 | 5 |
| Average total loans | $359,481,362,330 | 5 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3963% | 5,445 |
| Cost of funding earning assets | 0.5978% | 8,055 |
| Net interest margin | 4.7985% | 608 |
| Noninterest income to average assets | 3.6952% | 171 |
| Noninterest expense to average assets | 3.8432% | 1,395 |
| Loan and lease loss provision to assets | 2.3451% | 501 |
| Net operating income to assets | 1.0403% | 2,165 |
| Return on assets (ROA) | 0.8879% | 2,899 |
| Pretax return on assets | 1.3617% | 2,077 |
| Return on Equity (ROE) | 11.1135% | 1,934 |
| Retained earnings to average equity (ytd only) | 5.6389% | 2,802 |
| Net charge-offs to loans | 2.4068% | 598 |
| Credit loss provision to net charge-offs | 149.4194% | 2,800 |
| Earnings coverage of net charge-offs (x) | 2.4970% | 3,496 |
| Efficiency ratio | 49.1454% | 7,655 |
| Assets per employee ($millions) | 3.8179% | 4,042 |
| Cash dividends to net income (ytd only)* | 49.2611% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8377% | 558 |
| Loan loss allowance to noncurrent loans | 59.8655% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 3.3028% | 1,658 |
| Noncurrent loans to loans | 4.7401% | 1,173 |
| Net loans and leases to total assets | 63.4984% | 5,073 |
| Net loans and leases to deposits | 94.1441% | 2,251 |
| Net loans and leases to core deposits | 117.2776% | 2,659 |
| Total domestic deposits to total assets | 57.3472% | 8,019 |
| Equity capital to assets | 8.1671% | 6,572 |
| Core capital (leverage) ratio | 6.5325% | 7,866 |
| Tier 1 risk-based capital ratio | 7.6955% | 8,038 |
| Total risk-based capital ratio | 11.8672% | 6,195 |
| Memoranda: | ||
| Average total assets | $548,715,293,500 | 5 |
| Average earning assets | $465,061,457,500 | 5 |
| Average equity | $43,838,571,000 | 5 |
| Average total loans | $357,815,351,000 | 5 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1470% | 4,791 |
| Cost of funding earning assets | 1.5820% | 7,483 |
| Net interest margin | 4.5651% | 1,272 |
| Noninterest income to average assets | 2.7654% | 226 |
| Noninterest expense to average assets | 3.7643% | 1,824 |
| Loan and lease loss provision to assets | 1.9593% | 623 |
| Net operating income to assets | 0.5894% | 4,354 |
| Return on assets (ROA) | 0.7198% | 3,637 |
| Pretax return on assets | 1.0435% | 3,228 |
| Return on Equity (ROE) | 8.3678% | 2,906 |
| Retained earnings to average equity (ytd only) | 5.3760% | 1,825 |
| Net charge-offs to loans | 1.6296% | 692 |
| Credit loss provision to net charge-offs | 184.4734% | 2,689 |
| Earnings coverage of net charge-offs (x) | 2.6492% | 4,759 |
| Efficiency ratio | 56.7624% | 6,897 |
| Assets per employee ($millions) | 3.8038% | 3,951 |
| Cash dividends to net income (ytd only)* | 35.7536% | 3,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3749% | 778 |
| Loan loss allowance to noncurrent loans | 60.9609% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 2.6995% | 1,759 |
| Noncurrent loans to loans | 3.8958% | 1,267 |
| Net loans and leases to total assets | 63.0988% | 5,435 |
| Net loans and leases to deposits | 98.0470% | 2,121 |
| Net loans and leases to core deposits | 116.9184% | 3,012 |
| Total domestic deposits to total assets | 57.2223% | 8,035 |
| Equity capital to assets | 7.7281% | 7,173 |
| Core capital (leverage) ratio | 6.3145% | 7,986 |
| Tier 1 risk-based capital ratio | 7.2074% | 8,158 |
| Total risk-based capital ratio | 10.7090% | 7,268 |
| Memoranda: | ||
| Average total assets | $505,137,705,000 | 5 |
| Average earning assets | $421,879,151,000 | 5 |
| Average equity | $43,452,270,200 | 5 |
| Average total loans | $329,224,193,800 | 5 |