Home > Wells Fargo Bank South Central > Performance and Condition Ratios
Wells Fargo Bank South Central, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1772% | 4,178 |
| Cost of funding earning assets | 2.2840% | 1,251 |
| Net interest margin | 1.8932% | 4,318 |
| Noninterest income to average assets | 0.0800% | 4,206 |
| Noninterest expense to average assets | 0.3248% | 4,423 |
| Loan and lease loss provision to assets | -0.0700% | 4,307 |
| Net operating income to assets | 1.3132% | 1,450 |
| Return on assets (ROA) | 1.3132% | 1,442 |
| Pretax return on assets | 1.6830% | 1,140 |
| Return on Equity (ROE) | 7.1000% | 3,103 |
| Retained earnings to average equity (ytd only) | 7.1041% | 1,950 |
| Net charge-offs to loans | 0.0557% | 1,115 |
| Credit loss provision to net charge-offs | -276.2712% | 4,406 |
| Earnings coverage of net charge-offs (x) | 59.9085% | 916 |
| Efficiency ratio | 16.7977% | 4,440 |
| Assets per employee ($millions) | 2,161.4170% | 1 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1265% | 4,366 |
| Loan loss allowance to noncurrent loans | 9.9962% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 0.6091% | 1,227 |
| Noncurrent loans to loans | 1.2653% | 825 |
| Net loans and leases to total assets | 48.0800% | 3,663 |
| Net loans and leases to deposits | 63.1539% | 3,307 |
| Net loans and leases to core deposits | 63.1539% | 3,580 |
| Total domestic deposits to total assets | 76.1300% | 3,970 |
| Equity capital to assets | 18.9726% | 311 |
| Core capital (leverage) ratio | 18.6098% | 303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.1257% | 96 |
| Memoranda: | ||
| Average total assets | $4,393,998,500 | 319 |
| Average earning assets | $4,304,231,500 | 300 |
| Average equity | $812,259,000 | 209 |
| Average total loans | $2,119,634,000 | 417 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2869% | 4,087 |
| Cost of funding earning assets | 2.5829% | 995 |
| Net interest margin | 1.7040% | 4,352 |
| Noninterest income to average assets | 0.0000% | 4,443 |
| Noninterest expense to average assets | 0.3795% | 4,445 |
| Loan and lease loss provision to assets | -0.0600% | 4,293 |
| Net operating income to assets | 1.1485% | 1,621 |
| Return on assets (ROA) | 1.1485% | 1,629 |
| Pretax return on assets | 1.3463% | 1,644 |
| Return on Equity (ROE) | 5.8800% | 3,323 |
| Retained earnings to average equity (ytd only) | 5.8761% | 1,875 |
| Net charge-offs to loans | 0.0071% | 2,659 |
| Credit loss provision to net charge-offs | -1,335.1515% | 4,472 |
| Earnings coverage of net charge-offs (x) | 312.2485% | 363 |
| Efficiency ratio | 22.7177% | 4,447 |
| Assets per employee ($millions) | 1,488.3877% | 1 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1734% | 4,388 |
| Loan loss allowance to noncurrent loans | 13.6410% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 0.6329% | 1,150 |
| Noncurrent loans to loans | 1.2710% | 787 |
| Net loans and leases to total assets | 48.2500% | 3,712 |
| Net loans and leases to deposits | 61.5247% | 3,464 |
| Net loans and leases to core deposits | 61.5247% | 3,697 |
| Total domestic deposits to total assets | 78.4300% | 3,729 |
| Equity capital to assets | 18.0143% | 338 |
| Core capital (leverage) ratio | 19.5335% | 267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.3569% | 107 |
| Memoranda: | ||
| Average total assets | $3,990,566,000 | 335 |
| Average earning assets | $3,909,579,400 | 309 |
| Average equity | $779,943,000 | 209 |
| Average total loans | $2,321,302,800 | 378 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3803% | 3,981 |
| Cost of funding earning assets | 2.6646% | 886 |
| Net interest margin | 1.7156% | 4,375 |
| Noninterest income to average assets | 0.0000% | 4,470 |
| Noninterest expense to average assets | 0.3921% | 4,473 |
| Loan and lease loss provision to assets | -0.0900% | 4,377 |
| Net operating income to assets | 1.0684% | 1,857 |
| Return on assets (ROA) | 1.0684% | 1,860 |
| Pretax return on assets | 1.3844% | 1,554 |
| Return on Equity (ROE) | 5.3500% | 3,448 |
| Retained earnings to average equity (ytd only) | 5.3455% | 2,323 |
| Net charge-offs to loans | 0.0025% | 2,669 |
| Credit loss provision to net charge-offs | -5,944.4444% | 4,529 |
| Earnings coverage of net charge-offs (x) | 833.9556% | 149 |
| Efficiency ratio | 23.2807% | 4,479 |
| Assets per employee ($millions) | 1,939.9715% | 1 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1516% | 4,422 |
| Loan loss allowance to noncurrent loans | 12.1431% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 0.7409% | 952 |
| Noncurrent loans to loans | 1.2483% | 798 |
| Net loans and leases to total assets | 57.5500% | 3,137 |
| Net loans and leases to deposits | 76.5032% | 2,484 |
| Net loans and leases to core deposits | 76.5032% | 3,041 |
| Total domestic deposits to total assets | 75.2300% | 3,987 |
| Equity capital to assets | 20.2273% | 270 |
| Core capital (leverage) ratio | 20.6382% | 237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.4893% | 101 |
| Memoranda: | ||
| Average total assets | $3,871,916,750 | 339 |
| Average earning assets | $3,803,672,000 | 309 |
| Average equity | $773,837,250 | 210 |
| Average total loans | $2,362,054,500 | 368 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3532% | 3,965 |
| Cost of funding earning assets | 2.7008% | 767 |
| Net interest margin | 1.6524% | 4,402 |
| Noninterest income to average assets | 0.0300% | 4,441 |
| Noninterest expense to average assets | 0.4133% | 4,492 |
| Loan and lease loss provision to assets | -0.1400% | 4,434 |
| Net operating income to assets | 1.0700% | 1,792 |
| Return on assets (ROA) | 1.0700% | 1,801 |
| Pretax return on assets | 1.3743% | 1,534 |
| Return on Equity (ROE) | 5.3800% | 3,427 |
| Retained earnings to average equity (ytd only) | 5.3754% | 2,220 |
| Net charge-offs to loans | -0.0021% | 3,640 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 25.0164% | 4,491 |
| Assets per employee ($millions) | 1,890.1430% | 1 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1513% | 4,442 |
| Loan loss allowance to noncurrent loans | 10.9105% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 0.8910% | 697 |
| Noncurrent loans to loans | 1.3863% | 640 |
| Net loans and leases to total assets | 61.3100% | 2,837 |
| Net loans and leases to deposits | 83.4717% | 1,894 |
| Net loans and leases to core deposits | 83.4717% | 2,562 |
| Total domestic deposits to total assets | 73.4500% | 4,105 |
| Equity capital to assets | 20.7725% | 258 |
| Core capital (leverage) ratio | 20.4144% | 252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.6086% | 104 |
| Memoranda: | ||
| Average total assets | $3,869,241,333 | 342 |
| Average earning assets | $3,790,410,000 | 311 |
| Average equity | $770,181,000 | 206 |
| Average total loans | $2,403,945,667 | 360 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2404% | 4,029 |
| Cost of funding earning assets | 2.7552% | 653 |
| Net interest margin | 1.4852% | 4,460 |
| Noninterest income to average assets | 0.0800% | 4,292 |
| Noninterest expense to average assets | 0.4598% | 4,519 |
| Loan and lease loss provision to assets | -0.1500% | 4,483 |
| Net operating income to assets | 0.9652% | 2,041 |
| Return on assets (ROA) | 0.9652% | 2,045 |
| Pretax return on assets | 1.2195% | 1,850 |
| Return on Equity (ROE) | 4.9500% | 3,465 |
| Retained earnings to average equity (ytd only) | 4.9533% | 2,417 |
| Net charge-offs to loans | -0.0062% | 3,789 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 30.0033% | 4,466 |
| Assets per employee ($millions) | 1,299.9087% | 1 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1961% | 4,429 |
| Loan loss allowance to noncurrent loans | 12.1971% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 1.0291% | 554 |
| Noncurrent loans to loans | 1.6081% | 478 |
| Net loans and leases to total assets | 61.4800% | 2,717 |
| Net loans and leases to deposits | 83.6902% | 1,740 |
| Net loans and leases to core deposits | 83.6902% | 2,466 |
| Total domestic deposits to total assets | 73.4600% | 4,166 |
| Equity capital to assets | 19.8032% | 293 |
| Core capital (leverage) ratio | 19.8965% | 270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.1687% | 109 |
| Memoranda: | ||
| Average total assets | $3,913,719,000 | 337 |
| Average earning assets | $3,818,999,000 | 313 |
| Average equity | $762,641,500 | 212 |
| Average total loans | $2,445,258,000 | 359 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9322% | 4,047 |
| Cost of funding earning assets | 3.1821% | 116 |
| Net interest margin | 0.7501% | 4,552 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 0.4537% | 4,537 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.3637% | 3,936 |
| Return on assets (ROA) | 0.3637% | 3,927 |
| Pretax return on assets | 0.4537% | 3,890 |
| Return on Equity (ROE) | 2.1200% | 4,142 |
| Retained earnings to average equity (ytd only) | 2.1223% | 3,554 |
| Net charge-offs to loans | 0.0066% | 2,444 |
| Credit loss provision to net charge-offs | 522.4719% | 644 |
| Earnings coverage of net charge-offs (x) | 117.3034% | 832 |
| Efficiency ratio | 48.8599% | 4,046 |
| Assets per employee ($millions) | 1,309.2373% | 1 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2456% | 4,439 |
| Loan loss allowance to noncurrent loans | 15.7918% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.0021% | 492 |
| Noncurrent loans to loans | 1.5550% | 432 |
| Net loans and leases to total assets | 63.2000% | 2,547 |
| Net loans and leases to deposits | 82.6132% | 1,901 |
| Net loans and leases to core deposits | 82.6132% | 2,545 |
| Total domestic deposits to total assets | 76.5000% | 3,894 |
| Equity capital to assets | 19.1717% | 308 |
| Core capital (leverage) ratio | 19.8141% | 271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.0826% | 110 |
| Memoranda: | ||
| Average total assets | $4,396,829,000 | 301 |
| Average earning assets | $4,267,578,200 | 284 |
| Average equity | $753,573,400 | 205 |
| Average total loans | $2,699,253,000 | 320 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9303% | 3,953 |
| Cost of funding earning assets | 3.2515% | 88 |
| Net interest margin | 0.6788% | 4,571 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 0.3882% | 4,568 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.3701% | 4,007 |
| Return on assets (ROA) | 0.3701% | 4,008 |
| Pretax return on assets | 0.4859% | 3,927 |
| Return on Equity (ROE) | 2.2200% | 4,172 |
| Retained earnings to average equity (ytd only) | 2.2169% | 3,683 |
| Net charge-offs to loans | 0.0088% | 2,084 |
| Credit loss provision to net charge-offs | 593.9227% | 562 |
| Earnings coverage of net charge-offs (x) | 96.8232% | 931 |
| Efficiency ratio | 42.8557% | 4,278 |
| Assets per employee ($millions) | 1,258.5970% | 1 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2427% | 4,460 |
| Loan loss allowance to noncurrent loans | 15.9510% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.0558% | 475 |
| Noncurrent loans to loans | 1.5214% | 472 |
| Net loans and leases to total assets | 68.0600% | 2,038 |
| Net loans and leases to deposits | 90.9563% | 1,146 |
| Net loans and leases to core deposits | 91.2223% | 1,846 |
| Total domestic deposits to total assets | 74.8300% | 4,100 |
| Equity capital to assets | 20.2215% | 282 |
| Core capital (leverage) ratio | 19.2677% | 299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.5561% | 114 |
| Memoranda: | ||
| Average total assets | $4,514,108,250 | 295 |
| Average earning assets | $4,385,386,250 | 279 |
| Average equity | $753,714,000 | 202 |
| Average total loans | $2,752,004,750 | 322 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8746% | 3,916 |
| Cost of funding earning assets | 3.2527% | 53 |
| Net interest margin | 0.6219% | 4,609 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 0.3759% | 4,599 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.4311% | 3,944 |
| Return on assets (ROA) | 0.4311% | 3,947 |
| Pretax return on assets | 0.5520% | 3,882 |
| Return on Equity (ROE) | 2.7300% | 4,195 |
| Retained earnings to average equity (ytd only) | 2.7346% | 3,549 |
| Net charge-offs to loans | 0.0097% | 1,838 |
| Credit loss provision to net charge-offs | 297.0803% | 871 |
| Earnings coverage of net charge-offs (x) | 98.8759% | 945 |
| Efficiency ratio | 39.7768% | 4,401 |
| Assets per employee ($millions) | 1,341.5097% | 1 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2110% | 4,498 |
| Loan loss allowance to noncurrent loans | 15.5367% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 0.9167% | 536 |
| Noncurrent loans to loans | 1.3579% | 520 |
| Net loans and leases to total assets | 66.1400% | 2,143 |
| Net loans and leases to deposits | 85.4650% | 1,544 |
| Net loans and leases to core deposits | 85.4650% | 2,113 |
| Total domestic deposits to total assets | 77.3900% | 3,909 |
| Equity capital to assets | 18.7836% | 313 |
| Core capital (leverage) ratio | 17.9280% | 343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.7916% | 113 |
| Memoranda: | ||
| Average total assets | $4,760,214,000 | 276 |
| Average earning assets | $4,643,501,000 | 261 |
| Average equity | $750,444,667 | 201 |
| Average total loans | $2,810,595,333 | 305 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8640% | 3,750 |
| Cost of funding earning assets | 3.3415% | 13 |
| Net interest margin | 0.5225% | 4,666 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 0.3647% | 4,669 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.4881% | 3,927 |
| Return on assets (ROA) | 0.4881% | 3,891 |
| Pretax return on assets | 0.6650% | 3,730 |
| Return on Equity (ROE) | 3.3500% | 4,133 |
| Retained earnings to average equity (ytd only) | 3.3479% | 3,424 |
| Net charge-offs to loans | -0.0228% | 4,140 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 33.5342% | 4,576 |
| Assets per employee ($millions) | 1,495.5620% | 1 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2206% | 4,559 |
| Loan loss allowance to noncurrent loans | 11.3294% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 1.2480% | 286 |
| Noncurrent loans to loans | 1.9468% | 294 |
| Net loans and leases to total assets | 63.1400% | 2,346 |
| Net loans and leases to deposits | 77.5888% | 1,993 |
| Net loans and leases to core deposits | 77.5888% | 2,417 |
| Total domestic deposits to total assets | 81.3800% | 3,573 |
| Equity capital to assets | 16.7596% | 360 |
| Core capital (leverage) ratio | 14.6105% | 637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.0523% | 136 |
| Memoranda: | ||
| Average total assets | $5,128,056,500 | 276 |
| Average earning assets | $5,027,313,000 | 260 |
| Average equity | $747,691,000 | 205 |
| Average total loans | $2,882,105,000 | 308 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3114% | 4,564 |
| Cost of funding earning assets | 1.5167% | 24 |
| Net interest margin | 0.7947% | 4,690 |
| Noninterest income to average assets | -0.3700% | 4,704 |
| Noninterest expense to average assets | 0.2689% | 4,698 |
| Loan and lease loss provision to assets | -0.0500% | 4,417 |
| Net operating income to assets | 0.1519% | 4,480 |
| Return on assets (ROA) | 0.1519% | 4,465 |
| Pretax return on assets | 0.1855% | 4,452 |
| Return on Equity (ROE) | 1.4000% | 4,448 |
| Retained earnings to average equity (ytd only) | -0.6062% | 4,411 |
| Net charge-offs to loans | -0.0008% | 3,337 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.0636% | 2,224 |
| Assets per employee ($millions) | 1,923.1423% | 1 |
| Cash dividends to net income (ytd only)* | 143.4309% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2836% | 4,558 |
| Loan loss allowance to noncurrent loans | 15.4951% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 0.9406% | 462 |
| Noncurrent loans to loans | 1.8306% | 324 |
| Net loans and leases to total assets | 50.5600% | 3,464 |
| Net loans and leases to deposits | 59.0101% | 3,395 |
| Net loans and leases to core deposits | 59.0101% | 3,553 |
| Total domestic deposits to total assets | 85.6700% | 2,808 |
| Equity capital to assets | 12.8857% | 724 |
| Core capital (leverage) ratio | 12.1922% | 1,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.7312% | 173 |
| Memoranda: | ||
| Average total assets | $6,884,290,400 | 217 |
| Average earning assets | $6,763,413,000 | 200 |
| Average equity | $749,294,200 | 204 |
| Average total loans | $3,296,216,800 | 262 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9755% | 4,615 |
| Cost of funding earning assets | 1.0249% | 57 |
| Net interest margin | 0.9506% | 4,700 |
| Noninterest income to average assets | -0.3100% | 4,743 |
| Noninterest expense to average assets | 0.2588% | 4,741 |
| Loan and lease loss provision to assets | -0.0600% | 4,520 |
| Net operating income to assets | 0.3556% | 4,314 |
| Return on assets (ROA) | 0.3556% | 4,261 |
| Pretax return on assets | 0.4211% | 4,246 |
| Return on Equity (ROE) | 3.3900% | 4,248 |
| Retained earnings to average equity (ytd only) | 0.7285% | 4,256 |
| Net charge-offs to loans | -0.0066% | 3,567 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 41.6947% | 4,529 |
| Assets per employee ($millions) | 2,198.1813% | 1 |
| Cash dividends to net income (ytd only)* | 78.5258% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2805% | 4,593 |
| Loan loss allowance to noncurrent loans | 13.8889% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 0.9473% | 481 |
| Noncurrent loans to loans | 2.0195% | 303 |
| Net loans and leases to total assets | 46.2300% | 3,743 |
| Net loans and leases to deposits | 52.9291% | 3,672 |
| Net loans and leases to core deposits | 52.9291% | 3,812 |
| Total domestic deposits to total assets | 87.3500% | 2,644 |
| Equity capital to assets | 11.4045% | 1,038 |
| Core capital (leverage) ratio | 10.2800% | 2,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.6004% | 203 |
| Memoranda: | ||
| Average total assets | $7,163,006,250 | 210 |
| Average earning assets | $7,037,345,000 | 190 |
| Average equity | $750,759,500 | 202 |
| Average total loans | $3,388,996,750 | 256 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6124% | 4,694 |
| Cost of funding earning assets | 0.0142% | 4,733 |
| Net interest margin | 1.5982% | 4,674 |
| Noninterest income to average assets | -0.3486% | 4,764 |
| Noninterest expense to average assets | 0.7159% | 4,736 |
| Loan and lease loss provision to assets | -0.0586% | 4,535 |
| Net operating income to assets | 0.4855% | 3,934 |
| Return on assets (ROA) | 0.4855% | 3,885 |
| Pretax return on assets | 0.5639% | 3,883 |
| Return on Equity (ROE) | 4.7577% | 3,864 |
| Retained earnings to average equity (ytd only) | 0.7594% | 4,043 |
| Net charge-offs to loans | -0.0085% | 3,529 |
| Credit loss provision to net charge-offs | 1,456.0811% | 312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6270% | 3,475 |
| Assets per employee ($millions) | 2,633.6300% | 1 |
| Cash dividends to net income (ytd only)* | 84.0383% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2983% | 4,662 |
| Loan loss allowance to noncurrent loans | 13.8675% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 0.8882% | 571 |
| Noncurrent loans to loans | 2.1512% | 297 |
| Net loans and leases to total assets | 40.7744% | 4,041 |
| Net loans and leases to deposits | 45.5780% | 4,045 |
| Net loans and leases to core deposits | 45.5780% | 4,138 |
| Total domestic deposits to total assets | 89.4607% | 1,969 |
| Equity capital to assets | 9.5030% | 2,012 |
| Core capital (leverage) ratio | 9.0775% | 3,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.0163% | 89 |
| Memoranda: | ||
| Average total assets | $7,352,493,667 | 201 |
| Average earning assets | $7,221,727,667 | 187 |
| Average equity | $750,320,333 | 202 |
| Average total loans | $3,499,506,000 | 246 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4969% | 4,720 |
| Cost of funding earning assets | 0.0085% | 4,759 |
| Net interest margin | 1.4884% | 4,700 |
| Noninterest income to average assets | -0.3111% | 4,788 |
| Noninterest expense to average assets | 0.4122% | 4,784 |
| Loan and lease loss provision to assets | -0.1641% | 4,660 |
| Net operating income to assets | 0.8017% | 2,652 |
| Return on assets (ROA) | 0.8017% | 2,645 |
| Pretax return on assets | 0.9002% | 2,775 |
| Return on Equity (ROE) | 7.5657% | 2,848 |
| Retained earnings to average equity (ytd only) | 2.2329% | 3,484 |
| Net charge-offs to loans | -0.0128% | 3,687 |
| Credit loss provision to net charge-offs | 2,503.4483% | 171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.9006% | 4,703 |
| Assets per employee ($millions) | 2,845.8867% | 1 |
| Cash dividends to net income (ytd only)* | 70.4871% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2559% | 4,707 |
| Loan loss allowance to noncurrent loans | 11.6532% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 0.9021% | 595 |
| Noncurrent loans to loans | 2.1956% | 307 |
| Net loans and leases to total assets | 40.6256% | 3,972 |
| Net loans and leases to deposits | 45.0279% | 4,022 |
| Net loans and leases to core deposits | 45.0279% | 4,119 |
| Total domestic deposits to total assets | 90.2232% | 1,430 |
| Equity capital to assets | 8.8099% | 2,869 |
| Core capital (leverage) ratio | 10.8700% | 1,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.7742% | 108 |
| Memoranda: | ||
| Average total assets | $7,078,295,500 | 214 |
| Average earning assets | $6,940,330,000 | 194 |
| Average equity | $750,068,500 | 206 |
| Average total loans | $3,633,670,500 | 238 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5404% | 4,743 |
| Cost of funding earning assets | 0.0084% | 4,806 |
| Net interest margin | 1.5320% | 4,722 |
| Noninterest income to average assets | -0.0155% | 4,822 |
| Noninterest expense to average assets | 0.4489% | 4,813 |
| Loan and lease loss provision to assets | 0.1086% | 1,162 |
| Net operating income to assets | 0.6894% | 3,654 |
| Return on assets (ROA) | 0.6894% | 3,710 |
| Pretax return on assets | 0.9207% | 3,453 |
| Return on Equity (ROE) | 4.8951% | 4,017 |
| Retained earnings to average equity (ytd only) | 1.5267% | 4,114 |
| Net charge-offs to loans | -0.0125% | 3,812 |
| Credit loss provision to net charge-offs | -1,649.5677% | 4,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.3675% | 4,789 |
| Assets per employee ($millions) | 1,872.9770% | 3 |
| Cash dividends to net income (ytd only)* | 68.8118% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3101% | 4,722 |
| Loan loss allowance to noncurrent loans | 15.1698% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 1.3905% | 317 |
| Noncurrent loans to loans | 2.0439% | 384 |
| Net loans and leases to total assets | 67.2408% | 1,343 |
| Net loans and leases to deposits | 78.9381% | 1,301 |
| Net loans and leases to core deposits | 78.9381% | 1,682 |
| Total domestic deposits to total assets | 85.1816% | 3,212 |
| Equity capital to assets | 13.3117% | 818 |
| Core capital (leverage) ratio | 14.1364% | 598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.8122% | 149 |
| Memoranda: | ||
| Average total assets | $5,269,752,200 | 261 |
| Average earning assets | $5,138,201,000 | 246 |
| Average equity | $742,189,800 | 206 |
| Average total loans | $2,768,886,800 | 285 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3766% | 4,839 |
| Cost of funding earning assets | 0.0085% | 4,881 |
| Net interest margin | 1.3681% | 4,825 |
| Noninterest income to average assets | 0.0589% | 4,785 |
| Noninterest expense to average assets | 0.4202% | 4,901 |
| Loan and lease loss provision to assets | 0.2141% | 465 |
| Net operating income to assets | 0.5154% | 4,172 |
| Return on assets (ROA) | 0.5154% | 4,217 |
| Pretax return on assets | 0.7587% | 3,960 |
| Return on Equity (ROE) | 3.6058% | 4,365 |
| Retained earnings to average equity (ytd only) | 0.9057% | 4,429 |
| Net charge-offs to loans | -0.0476% | 4,335 |
| Credit loss provision to net charge-offs | -926.8374% | 3,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.1660% | 4,860 |
| Assets per employee ($millions) | 1,744.1877% | 2 |
| Cash dividends to net income (ytd only)* | 74.8814% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3570% | 4,790 |
| Loan loss allowance to noncurrent loans | 20.0751% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 1.4372% | 356 |
| Noncurrent loans to loans | 1.7784% | 549 |
| Net loans and leases to total assets | 79.8106% | 302 |
| Net loans and leases to deposits | 94.7924% | 384 |
| Net loans and leases to core deposits | 94.7924% | 798 |
| Total domestic deposits to total assets | 84.1951% | 3,406 |
| Equity capital to assets | 14.1742% | 692 |
| Core capital (leverage) ratio | 14.1759% | 607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9388% | 213 |
| Memoranda: | ||
| Average total assets | $5,182,457,500 | 264 |
| Average earning assets | $5,053,542,750 | 249 |
| Average equity | $740,743,500 | 203 |
| Average total loans | $2,513,617,000 | 299 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9441% | 4,915 |
| Cost of funding earning assets | 0.0084% | 4,917 |
| Net interest margin | 0.9356% | 4,907 |
| Noninterest income to average assets | 0.1470% | 4,461 |
| Noninterest expense to average assets | 0.3419% | 4,945 |
| Loan and lease loss provision to assets | 0.3213% | 251 |
| Net operating income to assets | 0.2304% | 4,605 |
| Return on assets (ROA) | 0.2304% | 4,618 |
| Pretax return on assets | 0.3972% | 4,504 |
| Return on Equity (ROE) | 1.6072% | 4,638 |
| Retained earnings to average equity (ytd only) | 1.6072% | 4,218 |
| Net charge-offs to loans | -0.0655% | 4,469 |
| Credit loss provision to net charge-offs | -1,296.5625% | 3,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.2477% | 4,887 |
| Assets per employee ($millions) | 1,728.0497% | 1 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3213% | 4,838 |
| Loan loss allowance to noncurrent loans | 19.2951% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 1.4857% | 386 |
| Noncurrent loans to loans | 1.6653% | 644 |
| Net loans and leases to total assets | 88.1530% | 38 |
| Net loans and leases to deposits | 105.0350% | 171 |
| Net loans and leases to core deposits | 105.0350% | 500 |
| Total domestic deposits to total assets | 83.9273% | 3,466 |
| Equity capital to assets | 14.3243% | 656 |
| Core capital (leverage) ratio | 14.2244% | 589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.8294% | 231 |
| Memoranda: | ||
| Average total assets | $5,165,755,667 | 261 |
| Average earning assets | $5,042,881,667 | 247 |
| Average equity | $740,432,667 | 204 |
| Average total loans | $1,954,454,667 | 373 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6301% | 4,956 |
| Cost of funding earning assets | 0.0084% | 4,949 |
| Net interest margin | 0.6217% | 4,953 |
| Noninterest income to average assets | 0.1676% | 4,362 |
| Noninterest expense to average assets | 0.3151% | 4,970 |
| Loan and lease loss provision to assets | -0.1832% | 4,801 |
| Net operating income to assets | 0.4201% | 4,326 |
| Return on assets (ROA) | 0.4201% | 4,356 |
| Pretax return on assets | 0.6431% | 4,121 |
| Return on Equity (ROE) | 2.9301% | 4,486 |
| Retained earnings to average equity (ytd only) | 2.9301% | 3,807 |
| Net charge-offs to loans | -0.1871% | 4,775 |
| Credit loss provision to net charge-offs | 789.9666% | 479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6607% | 4,726 |
| Assets per employee ($millions) | 1,754.0190% | 1 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6289% | 4,653 |
| Loan loss allowance to noncurrent loans | 4.3437% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 1.6678% | 348 |
| Noncurrent loans to loans | 14.4788% | 10 |
| Net loans and leases to total assets | 11.3593% | 4,915 |
| Net loans and leases to deposits | 13.4954% | 4,915 |
| Net loans and leases to core deposits | 14.7123% | 4,908 |
| Total domestic deposits to total assets | 84.1711% | 3,382 |
| Equity capital to assets | 14.1021% | 650 |
| Core capital (leverage) ratio | 14.3115% | 603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 77.2925% | 38 |
| Memoranda: | ||
| Average total assets | $5,156,559,000 | 259 |
| Average earning assets | $5,037,550,000 | 247 |
| Average equity | $739,352,000 | 205 |
| Average total loans | $639,324,000 | 963 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4975% | 4,946 |
| Cost of funding earning assets | 0.0403% | 4,949 |
| Net interest margin | 1.4572% | 4,923 |
| Noninterest income to average assets | -0.4435% | 4,996 |
| Noninterest expense to average assets | 0.5234% | 4,975 |
| Loan and lease loss provision to assets | 0.0401% | 3,900 |
| Net operating income to assets | 0.3297% | 4,394 |
| Return on assets (ROA) | 0.3297% | 4,456 |
| Pretax return on assets | 0.4249% | 4,381 |
| Return on Equity (ROE) | 2.9113% | 4,403 |
| Retained earnings to average equity (ytd only) | -2.5478% | 4,740 |
| Net charge-offs to loans | -0.0259% | 4,492 |
| Credit loss provision to net charge-offs | -365.7264% | 3,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9546% | 4,314 |
| Assets per employee ($millions) | 1,262.7653% | 1 |
| Cash dividends to net income (ytd only)* | 187.5117% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8726% | 4,263 |
| Loan loss allowance to noncurrent loans | 6.0577% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 1.9444% | 293 |
| Noncurrent loans to loans | 14.4056% | 9 |
| Net loans and leases to total assets | 13.2888% | 4,927 |
| Net loans and leases to deposits | 15.8906% | 4,927 |
| Net loans and leases to core deposits | 17.3457% | 4,921 |
| Total domestic deposits to total assets | 83.6266% | 3,228 |
| Equity capital to assets | 14.5839% | 659 |
| Core capital (leverage) ratio | 14.0192% | 686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 63.5970% | 49 |
| Memoranda: | ||
| Average total assets | $6,470,267,400 | 204 |
| Average earning assets | $6,358,056,400 | 192 |
| Average equity | $732,723,000 | 199 |
| Average total loans | $2,737,449,000 | 284 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7412% | 4,982 |
| Cost of funding earning assets | 0.0478% | 4,985 |
| Net interest margin | 1.6934% | 4,944 |
| Noninterest income to average assets | -0.7934% | 5,026 |
| Noninterest expense to average assets | 0.5515% | 5,014 |
| Loan and lease loss provision to assets | 0.0267% | 4,003 |
| Net operating income to assets | 0.2552% | 4,516 |
| Return on assets (ROA) | 0.2552% | 4,561 |
| Pretax return on assets | 0.2943% | 4,555 |
| Return on Equity (ROE) | 2.3798% | 4,496 |
| Retained earnings to average equity (ytd only) | -4.9085% | 4,842 |
| Net charge-offs to loans | -0.0191% | 4,402 |
| Credit loss provision to net charge-offs | -293.5484% | 3,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2123% | 2,880 |
| Assets per employee ($millions) | 1,777.7295% | 1 |
| Cash dividends to net income (ytd only)* | 306.2553% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5937% | 4,737 |
| Loan loss allowance to noncurrent loans | 9.0709% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 0.7066% | 1,653 |
| Noncurrent loans to loans | 6.5451% | 62 |
| Net loans and leases to total assets | 10.5887% | 4,976 |
| Net loans and leases to deposits | 11.9765% | 4,981 |
| Net loans and leases to core deposits | 12.7492% | 4,975 |
| Total domestic deposits to total assets | 88.4124% | 1,007 |
| Equity capital to assets | 10.2430% | 3,019 |
| Core capital (leverage) ratio | 10.0895% | 2,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 69.9412% | 46 |
| Memoranda: | ||
| Average total assets | $6,825,069,000 | 193 |
| Average earning assets | $6,714,083,000 | 180 |
| Average equity | $731,742,750 | 196 |
| Average total loans | $3,252,527,750 | 249 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3444% | 4,989 |
| Cost of funding earning assets | 0.0653% | 5,012 |
| Net interest margin | 2.2792% | 4,843 |
| Noninterest income to average assets | -1.0348% | 5,061 |
| Noninterest expense to average assets | 0.5846% | 5,048 |
| Loan and lease loss provision to assets | 0.0668% | 3,458 |
| Net operating income to assets | 0.4770% | 4,069 |
| Return on assets (ROA) | 0.4770% | 4,136 |
| Pretax return on assets | 0.5554% | 4,146 |
| Return on Equity (ROE) | 4.3806% | 4,000 |
| Retained earnings to average equity (ytd only) | -6.5354% | 4,832 |
| Net charge-offs to loans | -0.0143% | 4,306 |
| Credit loss provision to net charge-offs | -767.5768% | 3,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4400% | 4,594 |
| Assets per employee ($millions) | 1,848.6015% | 1 |
| Cash dividends to net income (ytd only)* | 249.1901% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6173% | 4,720 |
| Loan loss allowance to noncurrent loans | 5.4544% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 1.2986% | 803 |
| Noncurrent loans to loans | 11.3185% | 23 |
| Net loans and leases to total assets | 11.3231% | 5,007 |
| Net loans and leases to deposits | 12.7481% | 5,014 |
| Net loans and leases to core deposits | 13.1695% | 5,009 |
| Total domestic deposits to total assets | 88.8215% | 815 |
| Equity capital to assets | 9.8908% | 3,297 |
| Core capital (leverage) ratio | 10.0273% | 2,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.9892% | 129 |
| Memoranda: | ||
| Average total assets | $6,729,786,000 | 193 |
| Average earning assets | $6,618,944,667 | 180 |
| Average equity | $732,866,000 | 197 |
| Average total loans | $4,084,219,000 | 216 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1178% | 4,905 |
| Cost of funding earning assets | 0.1186% | 5,019 |
| Net interest margin | 2.9992% | 4,282 |
| Noninterest income to average assets | -2.5398% | 5,111 |
| Noninterest expense to average assets | 0.5930% | 5,094 |
| Loan and lease loss provision to assets | -0.0321% | 5,057 |
| Net operating income to assets | -0.1433% | 4,821 |
| Return on assets (ROA) | -0.1433% | 4,804 |
| Pretax return on assets | -0.1554% | 4,792 |
| Return on Equity (ROE) | -1.2497% | 4,811 |
| Retained earnings to average equity (ytd only) | -23.0594% | 4,992 |
| Net charge-offs to loans | -0.0019% | 3,640 |
| Credit loss provision to net charge-offs | 1,900.0000% | 353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.2226% | 62 |
| Assets per employee ($millions) | 1,791.1993% | 1 |
| Cash dividends to net income (ytd only)* | -1,745.2007% | 5,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0384% | 5,058 |
| Loan loss allowance to noncurrent loans | 6.1221% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 0.5248% | 2,419 |
| Noncurrent loans to loans | 0.6267% | 2,424 |
| Net loans and leases to total assets | 82.2129% | 419 |
| Net loans and leases to deposits | 92.6796% | 1,213 |
| Net loans and leases to core deposits | 95.7829% | 1,811 |
| Total domestic deposits to total assets | 88.7066% | 803 |
| Equity capital to assets | 9.9517% | 3,834 |
| Core capital (leverage) ratio | 12.0903% | 1,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0806% | 636 |
| Memoranda: | ||
| Average total assets | $6,397,476,000 | 195 |
| Average earning assets | $6,282,521,000 | 184 |
| Average equity | $733,617,000 | 198 |
| Average total loans | $5,705,091,500 | 171 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9386% | 4,367 |
| Cost of funding earning assets | 0.3148% | 4,698 |
| Net interest margin | 3.6238% | 3,064 |
| Noninterest income to average assets | 3.7459% | 119 |
| Noninterest expense to average assets | 0.7824% | 5,143 |
| Loan and lease loss provision to assets | -0.0047% | 4,919 |
| Net operating income to assets | 5.0634% | 39 |
| Return on assets (ROA) | 5.0634% | 42 |
| Pretax return on assets | 6.4905% | 36 |
| Return on Equity (ROE) | 39.6874% | 19 |
| Retained earnings to average equity (ytd only) | 4.0740% | 2,930 |
| Net charge-offs to loans | -0.0340% | 4,737 |
| Credit loss provision to net charge-offs | 17.3053% | 3,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.7653% | 5,168 |
| Assets per employee ($millions) | 1,407.5388% | 1 |
| Cash dividends to net income (ytd only)* | 89.7347% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0775% | 5,111 |
| Loan loss allowance to noncurrent loans | 13.1734% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 0.5885% | 2,131 |
| Noncurrent loans to loans | 0.5884% | 2,419 |
| Net loans and leases to total assets | 97.9237% | 2 |
| Net loans and leases to deposits | 124.4824% | 60 |
| Net loans and leases to core deposits | 129.3871% | 284 |
| Total domestic deposits to total assets | 78.6647% | 4,250 |
| Equity capital to assets | 13.3960% | 1,331 |
| Core capital (leverage) ratio | 13.5100% | 1,054 |
| Tier 1 risk-based capital ratio | 26.8625% | 624 |
| Total risk-based capital ratio | 27.0148% | 678 |
| Memoranda: | ||
| Average total assets | $5,942,376,800 | 200 |
| Average earning assets | $5,775,999,600 | 188 |
| Average equity | $758,142,400 | 192 |
| Average total loans | $4,757,004,200 | 184 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0735% | 4,215 |
| Cost of funding earning assets | 0.3552% | 4,637 |
| Net interest margin | 3.7183% | 2,856 |
| Noninterest income to average assets | 4.3346% | 107 |
| Noninterest expense to average assets | 0.7597% | 5,224 |
| Loan and lease loss provision to assets | 0.0147% | 3,613 |
| Net operating income to assets | 5.5195% | 32 |
| Return on assets (ROA) | 5.5195% | 35 |
| Pretax return on assets | 7.1677% | 34 |
| Return on Equity (ROE) | 43.7736% | 17 |
| Retained earnings to average equity (ytd only) | 19.1844% | 57 |
| Net charge-offs to loans | -0.0368% | 4,764 |
| Credit loss provision to net charge-offs | -52.7734% | 4,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 9.5658% | 5,250 |
| Assets per employee ($millions) | 1,398.6700% | 1 |
| Cash dividends to net income (ytd only)* | 56.1735% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0971% | 5,183 |
| Loan loss allowance to noncurrent loans | 13.9358% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 0.6433% | 2,078 |
| Noncurrent loans to loans | 0.6966% | 2,211 |
| Net loans and leases to total assets | 90.5431% | 39 |
| Net loans and leases to deposits | 108.6582% | 249 |
| Net loans and leases to core deposits | 119.3744% | 555 |
| Total domestic deposits to total assets | 83.3284% | 3,056 |
| Equity capital to assets | 14.8812% | 874 |
| Core capital (leverage) ratio | 14.2138% | 929 |
| Tier 1 risk-based capital ratio | 28.8455% | 520 |
| Total risk-based capital ratio | 29.0161% | 578 |
| Memoranda: | ||
| Average total assets | $6,020,432,250 | 199 |
| Average earning assets | $5,841,156,250 | 187 |
| Average equity | $759,124,250 | 194 |
| Average total loans | $4,566,871,750 | 189 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9417% | 4,493 |
| Cost of funding earning assets | 0.3301% | 4,736 |
| Net interest margin | 3.6117% | 3,215 |
| Noninterest income to average assets | 2.2879% | 216 |
| Noninterest expense to average assets | 0.7641% | 5,274 |
| Loan and lease loss provision to assets | -0.0185% | 5,137 |
| Net operating income to assets | 3.8780% | 57 |
| Return on assets (ROA) | 3.8780% | 60 |
| Pretax return on assets | 5.0847% | 48 |
| Return on Equity (ROE) | 32.5291% | 34 |
| Retained earnings to average equity (ytd only) | 9.3887% | 937 |
| Net charge-offs to loans | -0.0425% | 4,789 |
| Credit loss provision to net charge-offs | 60.9626% | 2,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.1057% | 5,290 |
| Assets per employee ($millions) | 1,366.1768% | 1 |
| Cash dividends to net income (ytd only)* | 71.1374% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0723% | 5,240 |
| Loan loss allowance to noncurrent loans | 8.3076% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 0.8009% | 1,755 |
| Noncurrent loans to loans | 0.8700% | 1,861 |
| Net loans and leases to total assets | 91.9906% | 22 |
| Net loans and leases to deposits | 108.8066% | 250 |
| Net loans and leases to core deposits | 119.0887% | 572 |
| Total domestic deposits to total assets | 84.5450% | 2,667 |
| Equity capital to assets | 13.8674% | 1,174 |
| Core capital (leverage) ratio | 13.4011% | 1,152 |
| Tier 1 risk-based capital ratio | 28.1903% | 556 |
| Total risk-based capital ratio | 28.3256% | 600 |
| Memoranda: | ||
| Average total assets | $6,162,349,670 | 196 |
| Average earning assets | $6,044,087,330 | 181 |
| Average equity | $734,647,000 | 200 |
| Average total loans | $4,398,989,000 | 191 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7579% | 4,766 |
| Cost of funding earning assets | 0.3211% | 4,774 |
| Net interest margin | 3.4367% | 3,788 |
| Noninterest income to average assets | 1.6366% | 329 |
| Noninterest expense to average assets | 0.7596% | 5,335 |
| Loan and lease loss provision to assets | 0.0204% | 3,178 |
| Net operating income to assets | 3.1749% | 78 |
| Return on assets (ROA) | 3.1749% | 82 |
| Pretax return on assets | 4.2289% | 69 |
| Return on Equity (ROE) | 28.5900% | 58 |
| Retained earnings to average equity (ytd only) | 3.6959% | 3,444 |
| Net charge-offs to loans | -0.0435% | 4,791 |
| Credit loss provision to net charge-offs | -74.7748% | 3,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.1644% | 5,347 |
| Assets per employee ($millions) | 1,176.8926% | 1 |
| Cash dividends to net income (ytd only)* | 87.0726% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1075% | 5,300 |
| Loan loss allowance to noncurrent loans | 9.5714% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 0.7879% | 1,787 |
| Noncurrent loans to loans | 1.1233% | 1,485 |
| Net loans and leases to total assets | 67.8466% | 2,773 |
| Net loans and leases to deposits | 78.7812% | 2,971 |
| Net loans and leases to core deposits | 86.4971% | 2,829 |
| Total domestic deposits to total assets | 86.1203% | 2,220 |
| Equity capital to assets | 12.3827% | 1,809 |
| Core capital (leverage) ratio | 11.8319% | 1,879 |
| Tier 1 risk-based capital ratio | 29.6934% | 488 |
| Total risk-based capital ratio | 29.8686% | 524 |
| Memoranda: | ||
| Average total assets | $6,511,171,000 | 186 |
| Average earning assets | $6,388,849,500 | 177 |
| Average equity | $723,063,000 | 202 |
| Average total loans | $4,083,157,000 | 202 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5297% | 4,888 |
| Cost of funding earning assets | 0.2621% | 4,745 |
| Net interest margin | 3.2676% | 4,345 |
| Noninterest income to average assets | 0.7391% | 1,692 |
| Noninterest expense to average assets | 0.6836% | 5,379 |
| Loan and lease loss provision to assets | -0.0523% | 5,199 |
| Net operating income to assets | 2.1729% | 264 |
| Return on assets (ROA) | 2.1729% | 258 |
| Pretax return on assets | 3.3075% | 74 |
| Return on Equity (ROE) | 14.3053% | 979 |
| Retained earnings to average equity (ytd only) | 0.6257% | 4,823 |
| Net charge-offs to loans | -0.0577% | 5,017 |
| Credit loss provision to net charge-offs | 166.3997% | 1,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.6542% | 5,391 |
| Assets per employee ($millions) | 1,427.5758% | 1 |
| Cash dividends to net income (ytd only)* | 95.6261% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0867% | 5,346 |
| Loan loss allowance to noncurrent loans | 8.1310% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 0.6513% | 2,095 |
| Noncurrent loans to loans | 1.0669% | 1,529 |
| Net loans and leases to total assets | 58.3645% | 3,924 |
| Net loans and leases to deposits | 66.2164% | 4,102 |
| Net loans and leases to core deposits | 76.3451% | 3,691 |
| Total domestic deposits to total assets | 88.1422% | 1,239 |
| Equity capital to assets | 10.0516% | 3,629 |
| Core capital (leverage) ratio | 9.7244% | 3,882 |
| Tier 1 risk-based capital ratio | 25.8683% | 680 |
| Total risk-based capital ratio | 25.9989% | 744 |
| Memoranda: | ||
| Average total assets | $7,940,951,800 | 162 |
| Average earning assets | $7,775,859,600 | 157 |
| Average equity | $1,206,171,600 | 142 |
| Average total loans | $4,325,722,800 | 191 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4243% | 5,007 |
| Cost of funding earning assets | 0.2451% | 4,815 |
| Net interest margin | 3.1792% | 4,552 |
| Noninterest income to average assets | 0.6994% | 1,865 |
| Noninterest expense to average assets | 0.2671% | 5,470 |
| Loan and lease loss provision to assets | -0.0563% | 5,301 |
| Net operating income to assets | 2.2893% | 234 |
| Return on assets (ROA) | 2.2893% | 234 |
| Pretax return on assets | 3.6006% | 70 |
| Return on Equity (ROE) | 14.0318% | 1,112 |
| Retained earnings to average equity (ytd only) | 1.9871% | 4,584 |
| Net charge-offs to loans | -0.0613% | 5,008 |
| Credit loss provision to net charge-offs | 171.0657% | 1,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 6.2989% | 5,472 |
| Assets per employee ($millions) | 1,484.1556% | 1 |
| Cash dividends to net income (ytd only)* | 85.8388% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0973% | 5,418 |
| Loan loss allowance to noncurrent loans | 8.5607% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 0.6446% | 2,258 |
| Noncurrent loans to loans | 1.1371% | 1,491 |
| Net loans and leases to total assets | 54.5868% | 4,316 |
| Net loans and leases to deposits | 67.4647% | 4,094 |
| Net loans and leases to core deposits | 77.9437% | 3,660 |
| Total domestic deposits to total assets | 80.9117% | 3,890 |
| Equity capital to assets | 18.0315% | 332 |
| Core capital (leverage) ratio | 17.1485% | 404 |
| Tier 1 risk-based capital ratio | 48.1922% | 147 |
| Total risk-based capital ratio | 48.3346% | 158 |
| Memoranda: | ||
| Average total assets | $8,141,720,000 | 161 |
| Average earning assets | $7,969,634,000 | 151 |
| Average equity | $1,328,346,250 | 135 |
| Average total loans | $4,364,751,750 | 187 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2450% | 5,188 |
| Cost of funding earning assets | 0.2130% | 4,957 |
| Net interest margin | 3.0320% | 4,832 |
| Noninterest income to average assets | 0.5557% | 2,547 |
| Noninterest expense to average assets | 0.2649% | 5,532 |
| Loan and lease loss provision to assets | -0.0792% | 5,405 |
| Net operating income to assets | 1.8525% | 519 |
| Return on assets (ROA) | 1.8525% | 522 |
| Pretax return on assets | 3.3408% | 81 |
| Return on Equity (ROE) | 11.7180% | 1,834 |
| Retained earnings to average equity (ytd only) | -1.1112% | 5,080 |
| Net charge-offs to loans | -0.0793% | 5,081 |
| Credit loss provision to net charge-offs | 187.3518% | 1,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 6.7674% | 5,536 |
| Assets per employee ($millions) | 1,572.0266% | 1 |
| Cash dividends to net income (ytd only)* | 109.4825% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0887% | 5,477 |
| Loan loss allowance to noncurrent loans | 8.0968% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 0.6399% | 2,305 |
| Noncurrent loans to loans | 1.0956% | 1,610 |
| Net loans and leases to total assets | 56.3548% | 4,131 |
| Net loans and leases to deposits | 68.5379% | 3,982 |
| Net loans and leases to core deposits | 80.0324% | 3,418 |
| Total domestic deposits to total assets | 82.2242% | 3,648 |
| Equity capital to assets | 16.6781% | 432 |
| Core capital (leverage) ratio | 15.7176% | 539 |
| Tier 1 risk-based capital ratio | 43.8119% | 187 |
| Total risk-based capital ratio | 43.9437% | 194 |
| Memoranda: | ||
| Average total assets | $8,382,034,000 | 154 |
| Average earning assets | $8,212,687,330 | 144 |
| Average equity | $1,325,103,000 | 133 |
| Average total loans | $4,468,097,670 | 183 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9977% | 5,374 |
| Cost of funding earning assets | 0.1837% | 5,105 |
| Net interest margin | 2.8140% | 5,147 |
| Noninterest income to average assets | 0.8466% | 1,313 |
| Noninterest expense to average assets | 0.2698% | 5,599 |
| Loan and lease loss provision to assets | -0.1096% | 5,513 |
| Net operating income to assets | 2.6766% | 111 |
| Return on assets (ROA) | 2.6766% | 112 |
| Pretax return on assets | 3.4493% | 80 |
| Return on Equity (ROE) | 17.3650% | 476 |
| Retained earnings to average equity (ytd only) | 8.3573% | 1,703 |
| Net charge-offs to loans | -0.0934% | 5,180 |
| Credit loss provision to net charge-offs | 226.2655% | 967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 6.7701% | 5,602 |
| Assets per employee ($millions) | 2,170.4890% | 1 |
| Cash dividends to net income (ytd only)* | 51.8726% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1019% | 5,538 |
| Loan loss allowance to noncurrent loans | 7.7814% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 0.6414% | 2,393 |
| Noncurrent loans to loans | 1.3097% | 1,363 |
| Net loans and leases to total assets | 48.2458% | 4,682 |
| Net loans and leases to deposits | 57.4599% | 4,615 |
| Net loans and leases to core deposits | 66.6984% | 4,271 |
| Total domestic deposits to total assets | 83.9643% | 3,341 |
| Equity capital to assets | 15.5047% | 567 |
| Core capital (leverage) ratio | 15.2408% | 608 |
| Tier 1 risk-based capital ratio | 43.6117% | 188 |
| Total risk-based capital ratio | 43.7505% | 197 |
| Memoranda: | ||
| Average total assets | $8,642,984,500 | 151 |
| Average earning assets | $8,485,702,500 | 140 |
| Average equity | $1,332,196,000 | 129 |
| Average total loans | $4,485,398,500 | 184 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0918% | 5,299 |
| Cost of funding earning assets | 0.0721% | 5,571 |
| Net interest margin | 3.0197% | 4,843 |
| Noninterest income to average assets | 3.9981% | 132 |
| Noninterest expense to average assets | 0.6205% | 5,644 |
| Loan and lease loss provision to assets | -0.1516% | 5,538 |
| Net operating income to assets | 4.1823% | 44 |
| Return on assets (ROA) | 4.1823% | 43 |
| Pretax return on assets | 6.4885% | 31 |
| Return on Equity (ROE) | 26.7559% | 55 |
| Retained earnings to average equity (ytd only) | 5.2201% | 1,987 |
| Net charge-offs to loans | -0.1128% | 5,401 |
| Credit loss provision to net charge-offs | 287.0138% | 976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 8.5228% | 5,661 |
| Assets per employee ($millions) | 1,434.0022% | 1 |
| Cash dividends to net income (ytd only)* | 80.4898% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1198% | 5,598 |
| Loan loss allowance to noncurrent loans | 9.8222% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 0.6861% | 2,258 |
| Noncurrent loans to loans | 1.2193% | 1,451 |
| Net loans and leases to total assets | 55.4639% | 4,232 |
| Net loans and leases to deposits | 65.9063% | 4,197 |
| Net loans and leases to core deposits | 77.0367% | 3,664 |
| Total domestic deposits to total assets | 84.1557% | 3,144 |
| Equity capital to assets | 15.3217% | 623 |
| Core capital (leverage) ratio | 14.9805% | 624 |
| Tier 1 risk-based capital ratio | 38.2383% | 248 |
| Total risk-based capital ratio | 38.4048% | 269 |
| Memoranda: | ||
| Average total assets | $8,763,205,400 | 144 |
| Average earning assets | $8,588,132,600 | 134 |
| Average equity | $1,369,814,400 | 118 |
| Average total loans | $4,101,684,400 | 186 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1915% | 5,240 |
| Cost of funding earning assets | 0.0379% | 5,696 |
| Net interest margin | 3.1536% | 4,571 |
| Noninterest income to average assets | 4.6745% | 122 |
| Noninterest expense to average assets | 0.4668% | 5,723 |
| Loan and lease loss provision to assets | -0.2056% | 5,658 |
| Net operating income to assets | 4.8347% | 41 |
| Return on assets (ROA) | 4.8347% | 41 |
| Pretax return on assets | 7.5023% | 33 |
| Return on Equity (ROE) | 30.7803% | 28 |
| Retained earnings to average equity (ytd only) | 26.4411% | 21 |
| Net charge-offs to loans | -0.1366% | 5,454 |
| Credit loss provision to net charge-offs | 336.8734% | 889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 5.6596% | 5,732 |
| Assets per employee ($millions) | 1,388.9677% | 1 |
| Cash dividends to net income (ytd only)* | 14.0974% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5354% | 5,422 |
| Loan loss allowance to noncurrent loans | 8.2978% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 0.7518% | 2,250 |
| Noncurrent loans to loans | 6.4525% | 89 |
| Net loans and leases to total assets | 11.4466% | 5,682 |
| Net loans and leases to deposits | 14.1259% | 5,686 |
| Net loans and leases to core deposits | 15.2814% | 5,680 |
| Total domestic deposits to total assets | 81.0332% | 4,040 |
| Equity capital to assets | 18.2507% | 315 |
| Core capital (leverage) ratio | 17.7646% | 317 |
| Tier 1 risk-based capital ratio | 55.9248% | 97 |
| Total risk-based capital ratio | 55.9248% | 102 |
| Memoranda: | ||
| Average total assets | $8,803,003,500 | 144 |
| Average earning assets | $8,622,702,500 | 132 |
| Average equity | $1,382,698,250 | 117 |
| Average total loans | $3,932,644,250 | 194 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8298% | 3,788 |
| Cost of funding earning assets | 0.0156% | 5,760 |
| Net interest margin | 3.8141% | 2,236 |
| Noninterest income to average assets | 6.8870% | 86 |
| Noninterest expense to average assets | 0.5182% | 5,769 |
| Loan and lease loss provision to assets | -0.2778% | 5,726 |
| Net operating income to assets | 6.7027% | 27 |
| Return on assets (ROA) | 6.7027% | 27 |
| Pretax return on assets | 10.3806% | 25 |
| Return on Equity (ROE) | 44.9286% | 17 |
| Retained earnings to average equity (ytd only) | 38.1951% | 11 |
| Net charge-offs to loans | -0.1424% | 5,515 |
| Credit loss provision to net charge-offs | 355.0071% | 861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 4.6252% | 5,783 |
| Assets per employee ($millions) | 1,422.7473% | 1 |
| Cash dividends to net income (ytd only)* | 14.9871% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5989% | 5,381 |
| Loan loss allowance to noncurrent loans | 9.1734% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 0.7831% | 2,251 |
| Noncurrent loans to loans | 6.5283% | 84 |
| Net loans and leases to total assets | 11.7673% | 5,730 |
| Net loans and leases to deposits | 14.3925% | 5,735 |
| Net loans and leases to core deposits | 15.5208% | 5,728 |
| Total domestic deposits to total assets | 81.7603% | 3,955 |
| Equity capital to assets | 17.5954% | 354 |
| Core capital (leverage) ratio | 17.0594% | 366 |
| Tier 1 risk-based capital ratio | 20.2731% | 1,310 |
| Total risk-based capital ratio | 20.3551% | 1,519 |
| Memoranda: | ||
| Average total assets | $8,959,402,670 | 138 |
| Average earning assets | $8,771,190,330 | 128 |
| Average equity | $1,336,604,330 | 119 |
| Average total loans | $4,923,833,670 | 170 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2218% | 2,204 |
| Cost of funding earning assets | 0.0090% | 5,827 |
| Net interest margin | 4.2128% | 961 |
| Noninterest income to average assets | 0.0195% | 5,780 |
| Noninterest expense to average assets | 0.6068% | 5,835 |
| Loan and lease loss provision to assets | -0.5344% | 5,834 |
| Net operating income to assets | 2.5836% | 124 |
| Return on assets (ROA) | 2.5836% | 129 |
| Pretax return on assets | 4.0532% | 76 |
| Return on Equity (ROE) | 18.8964% | 290 |
| Retained earnings to average equity (ytd only) | 4.5411% | 3,153 |
| Net charge-offs to loans | -0.1710% | 5,592 |
| Credit loss provision to net charge-offs | 416.6270% | 644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.0738% | 5,844 |
| Assets per employee ($millions) | 1,512.5507% | 1 |
| Cash dividends to net income (ytd only)* | 75.9686% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0188% | 5,803 |
| Loan loss allowance to noncurrent loans | 0.4880% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 2.8694% | 360 |
| Noncurrent loans to loans | 3.8531% | 279 |
| Net loans and leases to total assets | 73.0014% | 1,915 |
| Net loans and leases to deposits | 85.2914% | 2,114 |
| Net loans and leases to core deposits | 91.7794% | 2,184 |
| Total domestic deposits to total assets | 85.5906% | 2,844 |
| Equity capital to assets | 13.8949% | 934 |
| Core capital (leverage) ratio | 13.6333% | 931 |
| Tier 1 risk-based capital ratio | 26.8910% | 631 |
| Total risk-based capital ratio | 26.9177% | 697 |
| Memoranda: | ||
| Average total assets | $9,170,862,000 | 134 |
| Average earning assets | $8,938,435,000 | 121 |
| Average equity | $1,253,890,500 | 125 |
| Average total loans | $6,880,466,500 | 127 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1760% | 2,565 |
| Cost of funding earning assets | 0.0091% | 5,885 |
| Net interest margin | 4.1668% | 1,192 |
| Noninterest income to average assets | 0.0134% | 5,835 |
| Noninterest expense to average assets | 0.5502% | 5,889 |
| Loan and lease loss provision to assets | -1.3279% | 5,907 |
| Net operating income to assets | 3.1500% | 76 |
| Return on assets (ROA) | 3.1500% | 77 |
| Pretax return on assets | 4.8623% | 50 |
| Return on Equity (ROE) | 22.2725% | 137 |
| Retained earnings to average equity (ytd only) | 4.6373% | 2,598 |
| Net charge-offs to loans | -0.0746% | 5,501 |
| Credit loss provision to net charge-offs | 2,280.1246% | 189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.7498% | 5,904 |
| Assets per employee ($millions) | 1,544.4033% | 1 |
| Cash dividends to net income (ytd only)* | 79.1791% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6476% | 1,262 |
| Loan loss allowance to noncurrent loans | 40.6524% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 3.1757% | 298 |
| Noncurrent loans to loans | 4.0528% | 252 |
| Net loans and leases to total assets | 75.7255% | 1,554 |
| Net loans and leases to deposits | 87.9734% | 1,930 |
| Net loans and leases to core deposits | 93.5782% | 2,146 |
| Total domestic deposits to total assets | 86.0777% | 2,546 |
| Equity capital to assets | 13.4547% | 1,073 |
| Core capital (leverage) ratio | 13.5574% | 954 |
| Tier 1 risk-based capital ratio | 25.5854% | 719 |
| Total risk-based capital ratio | 26.8498% | 709 |
| Memoranda: | ||
| Average total assets | $8,820,714,000 | 132 |
| Average earning assets | $8,618,270,800 | 120 |
| Average equity | $1,247,508,000 | 119 |
| Average total loans | $6,888,597,600 | 121 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1032% | 2,866 |
| Cost of funding earning assets | 0.0091% | 5,952 |
| Net interest margin | 4.0941% | 1,401 |
| Noninterest income to average assets | 0.0057% | 5,913 |
| Noninterest expense to average assets | 0.5493% | 5,960 |
| Loan and lease loss provision to assets | -1.6593% | 5,974 |
| Net operating income to assets | 3.2587% | 71 |
| Return on assets (ROA) | 3.2587% | 73 |
| Pretax return on assets | 5.1214% | 49 |
| Return on Equity (ROE) | 22.7467% | 135 |
| Retained earnings to average equity (ytd only) | 9.9234% | 587 |
| Net charge-offs to loans | -0.0227% | 5,054 |
| Credit loss provision to net charge-offs | 9,335.7450% | 55 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.9513% | 5,972 |
| Assets per employee ($millions) | 1,791.0408% | 1 |
| Cash dividends to net income (ytd only)* | 56.3746% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6661% | 1,295 |
| Loan loss allowance to noncurrent loans | 40.4956% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 3.5736% | 271 |
| Noncurrent loans to loans | 4.1142% | 259 |
| Net loans and leases to total assets | 83.5428% | 455 |
| Net loans and leases to deposits | 98.1110% | 842 |
| Net loans and leases to core deposits | 104.6795% | 1,295 |
| Total domestic deposits to total assets | 85.1513% | 2,734 |
| Equity capital to assets | 14.3133% | 927 |
| Core capital (leverage) ratio | 14.2302% | 787 |
| Tier 1 risk-based capital ratio | 25.7110% | 740 |
| Total risk-based capital ratio | 26.9770% | 721 |
| Memoranda: | ||
| Average total assets | $8,709,287,500 | 134 |
| Average earning assets | $8,521,139,750 | 122 |
| Average equity | $1,247,691,750 | 117 |
| Average total loans | $6,827,100,000 | 121 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1043% | 2,837 |
| Cost of funding earning assets | 0.0091% | 6,028 |
| Net interest margin | 4.0952% | 1,378 |
| Noninterest income to average assets | 0.0066% | 5,988 |
| Noninterest expense to average assets | 0.5841% | 6,037 |
| Loan and lease loss provision to assets | -2.3202% | 6,054 |
| Net operating income to assets | 3.6675% | 59 |
| Return on assets (ROA) | 3.6675% | 58 |
| Pretax return on assets | 5.7518% | 43 |
| Return on Equity (ROE) | 25.5924% | 79 |
| Retained earnings to average equity (ytd only) | 12.6509% | 257 |
| Net charge-offs to loans | -0.0024% | 4,390 |
| Credit loss provision to net charge-offs | 126,691.1392% | 2 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.7963% | 6,048 |
| Assets per employee ($millions) | 1,427.9127% | 1 |
| Cash dividends to net income (ytd only)* | 50.5679% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2294% | 524 |
| Loan loss allowance to noncurrent loans | 37.4908% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 4.3913% | 184 |
| Noncurrent loans to loans | 5.9465% | 127 |
| Net loans and leases to total assets | 71.0947% | 2,316 |
| Net loans and leases to deposits | 84.1514% | 2,448 |
| Net loans and leases to core deposits | 89.8941% | 2,541 |
| Total domestic deposits to total assets | 84.4843% | 3,100 |
| Equity capital to assets | 14.7899% | 787 |
| Core capital (leverage) ratio | 14.4361% | 722 |
| Tier 1 risk-based capital ratio | 24.5556% | 849 |
| Total risk-based capital ratio | 25.0431% | 901 |
| Memoranda: | ||
| Average total assets | $8,627,315,330 | 133 |
| Average earning assets | $8,445,861,670 | 121 |
| Average equity | $1,236,327,670 | 117 |
| Average total loans | $6,566,737,670 | 124 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1671% | 2,598 |
| Cost of funding earning assets | 0.0091% | 6,088 |
| Net interest margin | 4.1580% | 1,199 |
| Noninterest income to average assets | 0.0114% | 6,047 |
| Noninterest expense to average assets | 0.7210% | 6,098 |
| Loan and lease loss provision to assets | -4.1496% | 6,121 |
| Net operating income to assets | 4.8059% | 45 |
| Return on assets (ROA) | 4.8059% | 44 |
| Pretax return on assets | 7.5083% | 34 |
| Return on Equity (ROE) | 34.0770% | 35 |
| Retained earnings to average equity (ytd only) | 20.9722% | 76 |
| Net charge-offs to loans | 0.0556% | 1,961 |
| Credit loss provision to net charge-offs | -9,595.1923% | 5,069 |
| Earnings coverage of net charge-offs (x) | 77.6624% | 651 |
| Efficiency ratio | 16.9383% | 6,107 |
| Assets per employee ($millions) | 1,470.8838% | 1 |
| Cash dividends to net income (ytd only)* | 38.4564% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3234% | 494 |
| Loan loss allowance to noncurrent loans | 38.3361% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 4.5471% | 196 |
| Noncurrent loans to loans | 6.0606% | 141 |
| Net loans and leases to total assets | 73.0397% | 1,879 |
| Net loans and leases to deposits | 86.4262% | 2,023 |
| Net loans and leases to core deposits | 92.3433% | 2,152 |
| Total domestic deposits to total assets | 84.5111% | 3,314 |
| Equity capital to assets | 14.1971% | 918 |
| Core capital (leverage) ratio | 14.3203% | 733 |
| Tier 1 risk-based capital ratio | 22.5662% | 1,081 |
| Total risk-based capital ratio | 23.0487% | 1,171 |
| Memoranda: | ||
| Average total assets | $8,657,235,000 | 134 |
| Average earning assets | $8,470,415,000 | 119 |
| Average equity | $1,220,929,000 | 118 |
| Average total loans | $6,735,149,000 | 120 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2846% | 2,264 |
| Cost of funding earning assets | 0.0093% | 6,152 |
| Net interest margin | 4.2754% | 1,009 |
| Noninterest income to average assets | 0.0178% | 6,069 |
| Noninterest expense to average assets | 0.5082% | 6,155 |
| Loan and lease loss provision to assets | -0.3516% | 6,089 |
| Net operating income to assets | 2.5676% | 142 |
| Return on assets (ROA) | 2.5676% | 144 |
| Pretax return on assets | 4.0473% | 74 |
| Return on Equity (ROE) | 19.5960% | 268 |
| Retained earnings to average equity (ytd only) | 6.8650% | 1,339 |
| Net charge-offs to loans | 0.0725% | 2,795 |
| Credit loss provision to net charge-offs | -575.1182% | 5,466 |
| Earnings coverage of net charge-offs (x) | 60.4443% | 867 |
| Efficiency ratio | 11.3266% | 6,174 |
| Assets per employee ($millions) | 1,414.8612% | 1 |
| Cash dividends to net income (ytd only)* | 64.9671% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6177% | 117 |
| Loan loss allowance to noncurrent loans | 58.6573% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 5.0107% | 173 |
| Noncurrent loans to loans | 6.1676% | 133 |
| Net loans and leases to total assets | 78.0102% | 1,116 |
| Net loans and leases to deposits | 91.8704% | 1,422 |
| Net loans and leases to core deposits | 98.1988% | 1,658 |
| Total domestic deposits to total assets | 84.9133% | 3,134 |
| Equity capital to assets | 14.0052% | 927 |
| Core capital (leverage) ratio | 14.3013% | 759 |
| Tier 1 risk-based capital ratio | 20.7173% | 1,342 |
| Total risk-based capital ratio | 21.2011% | 1,466 |
| Memoranda: | ||
| Average total assets | $8,992,208,800 | 119 |
| Average earning assets | $8,804,440,600 | 112 |
| Average equity | $1,178,231,800 | 118 |
| Average total loans | $7,578,610,000 | 104 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3210% | 2,165 |
| Cost of funding earning assets | 0.0094% | 6,235 |
| Net interest margin | 4.3116% | 939 |
| Noninterest income to average assets | 0.0336% | 6,135 |
| Noninterest expense to average assets | 0.4838% | 6,250 |
| Loan and lease loss provision to assets | -0.3957% | 6,184 |
| Net operating income to assets | 2.6381% | 135 |
| Return on assets (ROA) | 2.6381% | 142 |
| Pretax return on assets | 4.1706% | 74 |
| Return on Equity (ROE) | 20.4619% | 247 |
| Retained earnings to average equity (ytd only) | 11.9555% | 373 |
| Net charge-offs to loans | 0.0921% | 2,243 |
| Credit loss provision to net charge-offs | -505.3782% | 5,366 |
| Earnings coverage of net charge-offs (x) | 48.2073% | 1,082 |
| Efficiency ratio | 10.6176% | 6,261 |
| Assets per employee ($millions) | 1,160.0357% | 1 |
| Cash dividends to net income (ytd only)* | 41.5717% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5828% | 128 |
| Loan loss allowance to noncurrent loans | 59.8422% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 5.3199% | 173 |
| Noncurrent loans to loans | 5.9870% | 139 |
| Net loans and leases to total assets | 85.4544% | 260 |
| Net loans and leases to deposits | 102.2617% | 531 |
| Net loans and leases to core deposits | 109.7921% | 888 |
| Total domestic deposits to total assets | 83.5644% | 3,583 |
| Equity capital to assets | 14.9435% | 747 |
| Core capital (leverage) ratio | 13.7534% | 926 |
| Tier 1 risk-based capital ratio | 20.2667% | 1,490 |
| Total risk-based capital ratio | 20.7469% | 1,632 |
| Memoranda: | ||
| Average total assets | $9,117,969,250 | 121 |
| Average earning assets | $8,934,965,750 | 111 |
| Average equity | $1,175,559,250 | 121 |
| Average total loans | $7,755,514,500 | 106 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2345% | 2,411 |
| Cost of funding earning assets | 0.0093% | 6,312 |
| Net interest margin | 4.2252% | 1,058 |
| Noninterest income to average assets | 0.0157% | 6,236 |
| Noninterest expense to average assets | 0.4859% | 6,327 |
| Loan and lease loss provision to assets | -0.1530% | 6,138 |
| Net operating income to assets | 2.4238% | 187 |
| Return on assets (ROA) | 2.4238% | 195 |
| Pretax return on assets | 3.8369% | 86 |
| Return on Equity (ROE) | 19.6971% | 287 |
| Retained earnings to average equity (ytd only) | 19.6971% | 75 |
| Net charge-offs to loans | 0.0765% | 2,296 |
| Credit loss provision to net charge-offs | -238.0639% | 5,056 |
| Earnings coverage of net charge-offs (x) | 57.3174% | 865 |
| Efficiency ratio | 10.9220% | 6,337 |
| Assets per employee ($millions) | 1,329.1607% | 2 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7511% | 132 |
| Loan loss allowance to noncurrent loans | 56.0885% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 5.4917% | 182 |
| Noncurrent loans to loans | 6.6879% | 126 |
| Net loans and leases to total assets | 78.5457% | 1,003 |
| Net loans and leases to deposits | 91.4186% | 1,436 |
| Net loans and leases to core deposits | 95.7190% | 1,825 |
| Total domestic deposits to total assets | 85.9187% | 2,729 |
| Equity capital to assets | 13.1401% | 1,330 |
| Core capital (leverage) ratio | 12.9891% | 1,172 |
| Tier 1 risk-based capital ratio | 17.0484% | 2,383 |
| Total risk-based capital ratio | 17.5326% | 2,677 |
| Memoranda: | ||
| Average total assets | $9,450,542,330 | 122 |
| Average earning assets | $9,291,477,670 | 112 |
| Average equity | $1,162,930,000 | 123 |
| Average total loans | $7,941,700,000 | 106 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2771% | 2,171 |
| Cost of funding earning assets | 0.0095% | 6,381 |
| Net interest margin | 4.2676% | 944 |
| Noninterest income to average assets | 0.0038% | 6,324 |
| Noninterest expense to average assets | 0.5179% | 6,397 |
| Loan and lease loss provision to assets | 0.3407% | 388 |
| Net operating income to assets | 2.1063% | 276 |
| Return on assets (ROA) | 2.1063% | 295 |
| Pretax return on assets | 3.3428% | 114 |
| Return on Equity (ROE) | 17.7035% | 417 |
| Retained earnings to average equity (ytd only) | 17.7035% | 156 |
| Net charge-offs to loans | 0.0402% | 2,420 |
| Credit loss provision to net charge-offs | 995.2147% | 346 |
| Earnings coverage of net charge-offs (x) | 107.6098% | 464 |
| Efficiency ratio | 11.6072% | 6,406 |
| Assets per employee ($millions) | 1,194.2723% | 2 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8555% | 142 |
| Loan loss allowance to noncurrent loans | 56.9380% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 5.6980% | 192 |
| Noncurrent loans to loans | 6.7714% | 137 |
| Net loans and leases to total assets | 80.2655% | 660 |
| Net loans and leases to deposits | 92.8899% | 1,099 |
| Net loans and leases to core deposits | 97.3540% | 1,530 |
| Total domestic deposits to total assets | 86.4093% | 2,707 |
| Equity capital to assets | 12.1223% | 1,942 |
| Core capital (leverage) ratio | 12.1070% | 1,572 |
| Tier 1 risk-based capital ratio | 20.0385% | 1,600 |
| Total risk-based capital ratio | 21.3389% | 1,562 |
| Memoranda: | ||
| Average total assets | $9,523,751,000 | 121 |
| Average earning assets | $9,367,477,000 | 109 |
| Average equity | $1,133,111,000 | 124 |
| Average total loans | $8,116,148,000 | 105 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6630% | 6,277 |
| Cost of funding earning assets | 0.0045% | 6,483 |
| Net interest margin | 2.6584% | 5,999 |
| Noninterest income to average assets | 0.3494% | 4,608 |
| Noninterest expense to average assets | 0.3395% | 6,494 |
| Loan and lease loss provision to assets | -0.4911% | 6,444 |
| Net operating income to assets | 2.0170% | 316 |
| Return on assets (ROA) | 2.0170% | 325 |
| Pretax return on assets | 3.1367% | 99 |
| Return on Equity (ROE) | 16.8355% | 507 |
| Retained earnings to average equity (ytd only) | 5.7322% | 2,116 |
| Net charge-offs to loans | 0.1305% | 2,709 |
| Credit loss provision to net charge-offs | -647.4416% | 5,837 |
| Earnings coverage of net charge-offs (x) | 34.8766% | 1,203 |
| Efficiency ratio | 10.8757% | 6,502 |
| Assets per employee ($millions) | 1,186.6655% | 2 |
| Cash dividends to net income (ytd only)* | 65.9516% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7024% | 161 |
| Loan loss allowance to noncurrent loans | 53.8182% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 6.0341% | 194 |
| Noncurrent loans to loans | 6.8795% | 146 |
| Net loans and leases to total assets | 83.7471% | 363 |
| Net loans and leases to deposits | 96.4078% | 877 |
| Net loans and leases to core deposits | 100.8573% | 1,334 |
| Total domestic deposits to total assets | 86.8676% | 2,345 |
| Equity capital to assets | 11.6717% | 2,281 |
| Core capital (leverage) ratio | 11.8871% | 1,704 |
| Tier 1 risk-based capital ratio | 19.2942% | 1,774 |
| Total risk-based capital ratio | 20.5946% | 1,725 |
| Memoranda: | ||
| Average total assets | $21,049,058,200 | 66 |
| Average earning assets | $20,869,319,000 | 61 |
| Average equity | $2,521,780,200 | 64 |
| Average total loans | $12,234,187,400 | 73 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5787% | 6,385 |
| Cost of funding earning assets | 0.0040% | 6,563 |
| Net interest margin | 2.5746% | 6,157 |
| Noninterest income to average assets | -0.0706% | 6,518 |
| Noninterest expense to average assets | 0.2865% | 6,579 |
| Loan and lease loss provision to assets | -0.5185% | 6,533 |
| Net operating income to assets | 1.7176% | 597 |
| Return on assets (ROA) | 1.7176% | 620 |
| Pretax return on assets | 2.7152% | 154 |
| Return on Equity (ROE) | 14.3004% | 933 |
| Retained earnings to average equity (ytd only) | 4.7941% | 3,219 |
| Net charge-offs to loans | 0.1384% | 2,413 |
| Credit loss provision to net charge-offs | -677.6864% | 5,811 |
| Earnings coverage of net charge-offs (x) | 28.7126% | 1,412 |
| Efficiency ratio | 11.0100% | 6,582 |
| Assets per employee ($millions) | 1,171.3709% | 2 |
| Cash dividends to net income (ytd only)* | 66.4758% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7694% | 191 |
| Loan loss allowance to noncurrent loans | 55.1726% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 6.3169% | 206 |
| Noncurrent loans to loans | 6.8320% | 178 |
| Net loans and leases to total assets | 88.1685% | 105 |
| Net loans and leases to deposits | 100.6728% | 578 |
| Net loans and leases to core deposits | 105.0608% | 1,021 |
| Total domestic deposits to total assets | 87.5793% | 1,994 |
| Equity capital to assets | 11.3848% | 2,601 |
| Core capital (leverage) ratio | 5.6196% | 6,500 |
| Tier 1 risk-based capital ratio | 18.4105% | 2,082 |
| Total risk-based capital ratio | 19.7141% | 2,027 |
| Memoranda: | ||
| Average total assets | $23,937,991,750 | 60 |
| Average earning assets | $23,744,476,000 | 55 |
| Average equity | $2,875,216,250 | 57 |
| Average total loans | $13,228,718,750 | 68 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3699% | 6,511 |
| Cost of funding earning assets | 0.0000% | 6,634 |
| Net interest margin | 2.3699% | 6,374 |
| Noninterest income to average assets | -0.0764% | 6,595 |
| Noninterest expense to average assets | 0.2570% | 6,645 |
| Loan and lease loss provision to assets | -0.6460% | 6,611 |
| Net operating income to assets | 1.6948% | 582 |
| Return on assets (ROA) | 1.6948% | 609 |
| Pretax return on assets | 2.6673% | 165 |
| Return on Equity (ROE) | 14.0311% | 947 |
| Retained earnings to average equity (ytd only) | 2.2427% | 4,765 |
| Net charge-offs to loans | 0.1489% | 2,197 |
| Credit loss provision to net charge-offs | -845.4545% | 5,690 |
| Earnings coverage of net charge-offs (x) | 26.4545% | 1,370 |
| Efficiency ratio | 10.6707% | 6,649 |
| Assets per employee ($millions) | 3,778.7500% | 2 |
| Cash dividends to net income (ytd only)* | 84.0164% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3887% | 822 |
| Loan loss allowance to noncurrent loans | 53.5484% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 2.0675% | 1,530 |
| Noncurrent loans to loans | 4.4608% | 495 |
| Net loans and leases to total assets | 44.8793% | 5,472 |
| Net loans and leases to deposits | 50.8280% | 5,573 |
| Net loans and leases to core deposits | 51.4877% | 5,697 |
| Total domestic deposits to total assets | 88.2964% | 1,737 |
| Equity capital to assets | 11.5845% | 2,344 |
| Core capital (leverage) ratio | 11.2273% | 2,222 |
| Tier 1 risk-based capital ratio | 30.5418% | 501 |
| Total risk-based capital ratio | 31.8158% | 495 |
| Memoranda: | ||
| Average total assets | $28,793,666,670 | 50 |
| Average earning assets | $28,608,666,670 | 47 |
| Average equity | $3,478,000,000 | 48 |
| Average total loans | $14,776,333,330 | 59 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4236% | 6,567 |
| Cost of funding earning assets | 0.0000% | 6,699 |
| Net interest margin | 2.4236% | 6,400 |
| Noninterest income to average assets | -0.0997% | 6,662 |
| Noninterest expense to average assets | 0.2849% | 6,722 |
| Loan and lease loss provision to assets | -0.9118% | 6,700 |
| Net operating income to assets | 1.8664% | 429 |
| Return on assets (ROA) | 1.8664% | 449 |
| Pretax return on assets | 2.9349% | 150 |
| Return on Equity (ROE) | 15.1183% | 759 |
| Retained earnings to average equity (ytd only) | 0.6924% | 5,317 |
| Net charge-offs to loans | 0.1577% | 1,771 |
| Credit loss provision to net charge-offs | -1,066.6667% | 5,352 |
| Earnings coverage of net charge-offs (x) | 23.6667% | 1,209 |
| Efficiency ratio | 11.7284% | 6,721 |
| Assets per employee ($millions) | 3,414.6250% | 2 |
| Cash dividends to net income (ytd only)* | 95.4198% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5828% | 728 |
| Loan loss allowance to noncurrent loans | 56.1086% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 2.4454% | 1,315 |
| Noncurrent loans to loans | 4.6032% | 512 |
| Net loans and leases to total assets | 51.3636% | 4,743 |
| Net loans and leases to deposits | 59.0679% | 4,836 |
| Net loans and leases to core deposits | 59.9897% | 5,035 |
| Total domestic deposits to total assets | 86.9568% | 2,834 |
| Equity capital to assets | 12.6991% | 1,457 |
| Core capital (leverage) ratio | 11.5363% | 1,940 |
| Tier 1 risk-based capital ratio | 31.9548% | 447 |
| Total risk-based capital ratio | 33.2359% | 442 |
| Memoranda: | ||
| Average total assets | $28,075,500,000 | 51 |
| Average earning assets | $27,892,000,000 | 47 |
| Average equity | $3,466,000,000 | 48 |
| Average total loans | $15,215,000,000 | 55 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6950% | 6,548 |
| Cost of funding earning assets | 0.0785% | 6,709 |
| Net interest margin | 2.6164% | 6,245 |
| Noninterest income to average assets | 0.0727% | 6,477 |
| Noninterest expense to average assets | 0.2181% | 6,801 |
| Loan and lease loss provision to assets | -0.2612% | 6,651 |
| Net operating income to assets | 1.7366% | 541 |
| Return on assets (ROA) | 1.7366% | 558 |
| Pretax return on assets | 2.7167% | 161 |
| Return on Equity (ROE) | 18.6201% | 367 |
| Retained earnings to average equity (ytd only) | 3.3199% | 3,872 |
| Net charge-offs to loans | 0.3098% | 2,135 |
| Credit loss provision to net charge-offs | -131.0811% | 5,925 |
| Earnings coverage of net charge-offs (x) | 12.3243% | 2,133 |
| Efficiency ratio | 7.8550% | 6,806 |
| Assets per employee ($millions) | 3,604.2500% | 2 |
| Cash dividends to net income (ytd only)* | 82.1705% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7953% | 607 |
| Loan loss allowance to noncurrent loans | 63.7269% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 2.4554% | 1,411 |
| Noncurrent loans to loans | 4.3863% | 616 |
| Net loans and leases to total assets | 54.0300% | 4,580 |
| Net loans and leases to deposits | 61.4556% | 4,781 |
| Net loans and leases to core deposits | 63.3344% | 4,936 |
| Total domestic deposits to total assets | 87.9170% | 2,221 |
| Equity capital to assets | 12.0101% | 1,801 |
| Core capital (leverage) ratio | 10.2620% | 3,203 |
| Tier 1 risk-based capital ratio | 29.7245% | 511 |
| Total risk-based capital ratio | 31.0064% | 503 |
| Memoranda: | ||
| Average total assets | $37,141,200,000 | 44 |
| Average earning assets | $36,920,400,000 | 41 |
| Average equity | $3,464,000,000 | 51 |
| Average total loans | $23,888,800,000 | 38 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7392% | 6,607 |
| Cost of funding earning assets | 0.0889% | 6,785 |
| Net interest margin | 2.6503% | 6,248 |
| Noninterest income to average assets | 0.1326% | 6,360 |
| Noninterest expense to average assets | 0.2074% | 6,883 |
| Loan and lease loss provision to assets | -0.3298% | 6,784 |
| Net operating income to assets | 1.8528% | 475 |
| Return on assets (ROA) | 1.8528% | 488 |
| Pretax return on assets | 2.8898% | 155 |
| Return on Equity (ROE) | 20.9756% | 242 |
| Retained earnings to average equity (ytd only) | 7.5050% | 1,636 |
| Net charge-offs to loans | 0.3146% | 1,971 |
| Credit loss provision to net charge-offs | -159.0164% | 5,855 |
| Earnings coverage of net charge-offs (x) | 12.3443% | 2,143 |
| Efficiency ratio | 7.1253% | 6,884 |
| Assets per employee ($millions) | 4,038.5000% | 2 |
| Cash dividends to net income (ytd only)* | 64.2202% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3361% | 1,126 |
| Loan loss allowance to noncurrent loans | 62.0506% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 2.3369% | 1,684 |
| Noncurrent loans to loans | 3.7648% | 976 |
| Net loans and leases to total assets | 60.3009% | 3,650 |
| Net loans and leases to deposits | 71.7595% | 3,540 |
| Net loans and leases to core deposits | 73.8766% | 3,866 |
| Total domestic deposits to total assets | 84.0318% | 4,175 |
| Equity capital to assets | 10.9663% | 2,786 |
| Core capital (leverage) ratio | 8.8680% | 5,295 |
| Tier 1 risk-based capital ratio | 26.2856% | 767 |
| Total risk-based capital ratio | 27.5575% | 749 |
| Memoranda: | ||
| Average total assets | $39,218,000,000 | 41 |
| Average earning assets | $38,988,250,000 | 39 |
| Average equity | $3,464,250,000 | 51 |
| Average total loans | $25,854,250,000 | 37 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6598% | 6,675 |
| Cost of funding earning assets | 0.0920% | 6,835 |
| Net interest margin | 2.5677% | 6,365 |
| Noninterest income to average assets | 0.1252% | 6,430 |
| Noninterest expense to average assets | 0.1975% | 6,933 |
| Loan and lease loss provision to assets | -0.1493% | 6,749 |
| Net operating income to assets | 1.6859% | 641 |
| Return on assets (ROA) | 1.6859% | 697 |
| Pretax return on assets | 2.6300% | 232 |
| Return on Equity (ROE) | 20.3607% | 280 |
| Retained earnings to average equity (ytd only) | 8.7260% | 1,216 |
| Net charge-offs to loans | 0.3666% | 1,739 |
| Credit loss provision to net charge-offs | -60.7843% | 5,556 |
| Earnings coverage of net charge-offs (x) | 10.0980% | 2,193 |
| Efficiency ratio | 7.0144% | 6,930 |
| Assets per employee ($millions) | 5,676.5714% | 1 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1334% | 1,560 |
| Loan loss allowance to noncurrent loans | 69.5431% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 1.9957% | 2,156 |
| Noncurrent loans to loans | 3.0677% | 1,451 |
| Net loans and leases to total assets | 63.2650% | 3,052 |
| Net loans and leases to deposits | 72.4509% | 3,389 |
| Net loans and leases to core deposits | 74.6718% | 3,701 |
| Total domestic deposits to total assets | 87.3213% | 2,643 |
| Equity capital to assets | 8.8031% | 5,445 |
| Core capital (leverage) ratio | 7.8605% | 6,273 |
| Tier 1 risk-based capital ratio | 23.1393% | 1,108 |
| Total risk-based capital ratio | 24.4131% | 1,090 |
| Memoranda: | ||
| Average total assets | $41,521,333,330 | 39 |
| Average earning assets | $41,282,000,000 | 38 |
| Average equity | $3,438,000,000 | 51 |
| Average total loans | $27,823,000,000 | 36 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6094% | 6,777 |
| Cost of funding earning assets | 0.0854% | 6,924 |
| Net interest margin | 2.5240% | 6,480 |
| Noninterest income to average assets | 0.0754% | 6,654 |
| Noninterest expense to average assets | 0.1980% | 7,013 |
| Loan and lease loss provision to assets | -0.1132% | 6,848 |
| Net operating income to assets | 1.6032% | 706 |
| Return on assets (ROA) | 1.6032% | 768 |
| Pretax return on assets | 2.4992% | 268 |
| Return on Equity (ROE) | 19.9531% | 297 |
| Retained earnings to average equity (ytd only) | 14.0845% | 438 |
| Net charge-offs to loans | 0.3738% | 1,522 |
| Credit loss provision to net charge-offs | -44.4444% | 5,041 |
| Earnings coverage of net charge-offs (x) | 9.3704% | 1,842 |
| Efficiency ratio | 7.2993% | 7,008 |
| Assets per employee ($millions) | 5,838.0000% | 1 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0581% | 1,900 |
| Loan loss allowance to noncurrent loans | 66.5552% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 2.2170% | 2,105 |
| Noncurrent loans to loans | 3.0924% | 1,611 |
| Net loans and leases to total assets | 69.5199% | 1,752 |
| Net loans and leases to deposits | 79.4197% | 2,160 |
| Net loans and leases to core deposits | 82.0079% | 2,568 |
| Total domestic deposits to total assets | 87.5349% | 2,613 |
| Equity capital to assets | 8.4863% | 6,031 |
| Core capital (leverage) ratio | 7.8205% | 6,268 |
| Tier 1 risk-based capital ratio | 21.4270% | 1,443 |
| Total risk-based capital ratio | 22.7035% | 1,408 |
| Memoranda: | ||
| Average total assets | $42,414,000,000 | 39 |
| Average earning assets | $42,156,000,000 | 38 |
| Average equity | $3,408,000,000 | 51 |
| Average total loans | $28,891,000,000 | 34 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5346% | 6,319 |
| Cost of funding earning assets | 0.1083% | 6,985 |
| Net interest margin | 3.4263% | 4,793 |
| Noninterest income to average assets | -0.1099% | 6,923 |
| Noninterest expense to average assets | 0.2037% | 7,071 |
| Loan and lease loss provision to assets | 0.4556% | 1,378 |
| Net operating income to assets | 1.6803% | 644 |
| Return on assets (ROA) | 1.6803% | 722 |
| Pretax return on assets | 2.6236% | 214 |
| Return on Equity (ROE) | 18.7444% | 378 |
| Retained earnings to average equity (ytd only) | 2.3019% | 4,616 |
| Net charge-offs to loans | 0.8700% | 1,316 |
| Credit loss provision to net charge-offs | 64.6388% | 4,325 |
| Earnings coverage of net charge-offs (x) | 4.3688% | 3,395 |
| Efficiency ratio | 5.8776% | 7,073 |
| Assets per employee ($millions) | 43,962.0000% | 1 |
| Cash dividends to net income (ytd only)* | 87.7193% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2311% | 1,501 |
| Loan loss allowance to noncurrent loans | 71.2542% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 2.0745% | 2,364 |
| Noncurrent loans to loans | 3.1312% | 1,652 |
| Net loans and leases to total assets | 63.9939% | 2,899 |
| Net loans and leases to deposits | 71.9643% | 3,418 |
| Net loans and leases to core deposits | 74.2668% | 3,746 |
| Total domestic deposits to total assets | 88.9245% | 1,613 |
| Equity capital to assets | 7.6157% | 6,588 |
| Core capital (leverage) ratio | 7.4578% | 6,519 |
| Tier 1 risk-based capital ratio | 20.1666% | 1,636 |
| Total risk-based capital ratio | 21.4477% | 1,604 |
| Memoranda: | ||
| Average total assets | $37,315,200,000 | 42 |
| Average earning assets | $36,949,200,000 | 40 |
| Average equity | $3,345,000,000 | 49 |
| Average total loans | $30,228,400,000 | 31 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8412% | 5,922 |
| Cost of funding earning assets | 0.1172% | 7,092 |
| Net interest margin | 3.7240% | 3,684 |
| Noninterest income to average assets | 0.0561% | 6,781 |
| Noninterest expense to average assets | 0.2281% | 7,175 |
| Loan and lease loss provision to assets | 0.6058% | 906 |
| Net operating income to assets | 1.8848% | 470 |
| Return on assets (ROA) | 1.8848% | 549 |
| Pretax return on assets | 2.9057% | 172 |
| Return on Equity (ROE) | 20.0937% | 325 |
| Retained earnings to average equity (ytd only) | 4.1463% | 3,985 |
| Net charge-offs to loans | 0.8891% | 1,227 |
| Credit loss provision to net charge-offs | 79.4118% | 3,640 |
| Earnings coverage of net charge-offs (x) | 4.6029% | 3,256 |
| Efficiency ratio | 5.8000% | 7,172 |
| Assets per employee ($millions) | 7,755.6000% | 1 |
| Cash dividends to net income (ytd only)* | 79.3651% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3137% | 1,492 |
| Loan loss allowance to noncurrent loans | 79.1383% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 2.3054% | 2,308 |
| Noncurrent loans to loans | 2.9236% | 1,911 |
| Net loans and leases to total assets | 75.9967% | 979 |
| Net loans and leases to deposits | 86.9604% | 1,489 |
| Net loans and leases to core deposits | 89.9683% | 1,981 |
| Total domestic deposits to total assets | 87.3923% | 2,430 |
| Equity capital to assets | 8.7034% | 6,099 |
| Core capital (leverage) ratio | 8.1606% | 6,179 |
| Tier 1 risk-based capital ratio | 21.1623% | 1,488 |
| Total risk-based capital ratio | 22.4460% | 1,446 |
| Memoranda: | ||
| Average total assets | $35,653,500,000 | 44 |
| Average earning assets | $35,265,500,000 | 42 |
| Average equity | $3,344,250,000 | 50 |
| Average total loans | $30,591,750,000 | 31 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0373% | 5,524 |
| Cost of funding earning assets | 0.1229% | 7,155 |
| Net interest margin | 3.9144% | 2,847 |
| Noninterest income to average assets | 0.1907% | 6,194 |
| Noninterest expense to average assets | 0.2542% | 7,236 |
| Loan and lease loss provision to assets | 0.9014% | 517 |
| Net operating income to assets | 1.8837% | 475 |
| Return on assets (ROA) | 1.8837% | 543 |
| Pretax return on assets | 2.9007% | 172 |
| Return on Equity (ROE) | 19.5561% | 383 |
| Retained earnings to average equity (ytd only) | 4.5591% | 3,570 |
| Net charge-offs to loans | 1.0282% | 1,069 |
| Credit loss provision to net charge-offs | 98.7342% | 2,809 |
| Earnings coverage of net charge-offs (x) | 4.1646% | 3,160 |
| Efficiency ratio | 5.9829% | 7,233 |
| Assets per employee ($millions) | 6,921.0000% | 1 |
| Cash dividends to net income (ytd only)* | 76.6871% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4228% | 1,381 |
| Loan loss allowance to noncurrent loans | 88.6635% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 2.4736% | 2,257 |
| Noncurrent loans to loans | 2.7326% | 2,200 |
| Net loans and leases to total assets | 86.4731% | 118 |
| Net loans and leases to deposits | 101.5095% | 361 |
| Net loans and leases to core deposits | 105.7049% | 761 |
| Total domestic deposits to total assets | 85.1871% | 3,774 |
| Equity capital to assets | 9.6720% | 4,791 |
| Core capital (leverage) ratio | 8.9088% | 5,031 |
| Tier 1 risk-based capital ratio | 21.6974% | 1,349 |
| Total risk-based capital ratio | 22.9856% | 1,321 |
| Memoranda: | ||
| Average total assets | $34,612,000,000 | 44 |
| Average earning assets | $34,181,666,670 | 43 |
| Average equity | $3,334,000,000 | 50 |
| Average total loans | $30,733,000,000 | 31 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0315% | 5,666 |
| Cost of funding earning assets | 0.1172% | 7,232 |
| Net interest margin | 3.9143% | 2,866 |
| Noninterest income to average assets | 0.8667% | 1,880 |
| Noninterest expense to average assets | 0.3236% | 7,294 |
| Loan and lease loss provision to assets | 1.0631% | 379 |
| Net operating income to assets | 2.1724% | 309 |
| Return on assets (ROA) | 2.1724% | 363 |
| Pretax return on assets | 3.3395% | 136 |
| Return on Equity (ROE) | 22.5995% | 254 |
| Retained earnings to average equity (ytd only) | 13.5838% | 612 |
| Net charge-offs to loans | 1.0921% | 944 |
| Credit loss provision to net charge-offs | 109.5238% | 2,136 |
| Earnings coverage of net charge-offs (x) | 4.5357% | 2,556 |
| Efficiency ratio | 6.6015% | 7,295 |
| Assets per employee ($millions) | 7,100.8000% | 1 |
| Cash dividends to net income (ytd only)* | 39.8936% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7589% | 1,045 |
| Loan loss allowance to noncurrent loans | 82.6609% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 2.6701% | 2,212 |
| Noncurrent loans to loans | 3.3376% | 1,908 |
| Net loans and leases to total assets | 75.2507% | 889 |
| Net loans and leases to deposits | 87.7925% | 1,193 |
| Net loans and leases to core deposits | 91.7889% | 1,673 |
| Total domestic deposits to total assets | 85.7143% | 3,682 |
| Equity capital to assets | 9.5313% | 4,754 |
| Core capital (leverage) ratio | 9.3803% | 4,222 |
| Tier 1 risk-based capital ratio | 23.9903% | 1,008 |
| Total risk-based capital ratio | 25.2856% | 987 |
| Memoranda: | ||
| Average total assets | $34,615,500,000 | 44 |
| Average earning assets | $34,131,000,000 | 43 |
| Average equity | $3,327,500,000 | 49 |
| Average total loans | $30,766,000,000 | 31 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8626% | 3,531 |
| Cost of funding earning assets | 0.1278% | 7,288 |
| Net interest margin | 4.7348% | 700 |
| Noninterest income to average assets | -0.2362% | 7,174 |
| Noninterest expense to average assets | 0.2662% | 7,348 |
| Loan and lease loss provision to assets | 0.8284% | 1,179 |
| Net operating income to assets | 2.0960% | 266 |
| Return on assets (ROA) | 2.0960% | 284 |
| Pretax return on assets | 3.2306% | 106 |
| Return on Equity (ROE) | 19.2378% | 300 |
| Retained earnings to average equity (ytd only) | -3.3590% | 6,317 |
| Net charge-offs to loans | 1.3337% | 1,235 |
| Credit loss provision to net charge-offs | 63.3588% | 5,074 |
| Earnings coverage of net charge-offs (x) | 3.1043% | 3,650 |
| Efficiency ratio | 5.8462% | 7,351 |
| Assets per employee ($millions) | 6,745.4000% | 1 |
| Cash dividends to net income (ytd only)* | 117.4603% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2227% | 1,757 |
| Loan loss allowance to noncurrent loans | 66.6960% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 3.4750% | 1,708 |
| Noncurrent loans to loans | 3.3326% | 1,942 |
| Net loans and leases to total assets | 98.7340% | 1 |
| Net loans and leases to deposits | 126.3326% | 61 |
| Net loans and leases to core deposits | 133.3013% | 208 |
| Total domestic deposits to total assets | 78.1540% | 6,162 |
| Equity capital to assets | 9.6985% | 4,595 |
| Core capital (leverage) ratio | 9.1923% | 4,477 |
| Tier 1 risk-based capital ratio | 20.1545% | 1,604 |
| Total risk-based capital ratio | 21.4416% | 1,567 |
| Memoranda: | ||
| Average total assets | $30,056,600,000 | 45 |
| Average earning assets | $28,955,600,000 | 43 |
| Average equity | $3,274,800,000 | 50 |
| Average total loans | $29,467,200,000 | 32 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0329% | 2,920 |
| Cost of funding earning assets | 0.1244% | 7,372 |
| Net interest margin | 4.9085% | 503 |
| Noninterest income to average assets | -0.4393% | 7,334 |
| Noninterest expense to average assets | 0.2928% | 7,422 |
| Loan and lease loss provision to assets | 1.0524% | 798 |
| Net operating income to assets | 1.8897% | 434 |
| Return on assets (ROA) | 1.8897% | 471 |
| Pretax return on assets | 2.9101% | 148 |
| Return on Equity (ROE) | 16.8100% | 589 |
| Retained earnings to average equity (ytd only) | -6.5937% | 6,678 |
| Net charge-offs to loans | 1.4171% | 1,049 |
| Credit loss provision to net charge-offs | 76.4120% | 4,266 |
| Earnings coverage of net charge-offs (x) | 2.8771% | 3,702 |
| Efficiency ratio | 6.5591% | 7,423 |
| Assets per employee ($millions) | 5,844.6000% | 2 |
| Cash dividends to net income (ytd only)* | 139.2252% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9746% | 879 |
| Loan loss allowance to noncurrent loans | 71.6123% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 4.1269% | 1,484 |
| Noncurrent loans to loans | 4.1538% | 1,585 |
| Net loans and leases to total assets | 93.2006% | 13 |
| Net loans and leases to deposits | 113.1815% | 145 |
| Net loans and leases to core deposits | 119.7187% | 392 |
| Total domestic deposits to total assets | 82.3461% | 4,952 |
| Equity capital to assets | 11.0153% | 3,130 |
| Core capital (leverage) ratio | 11.3588% | 2,126 |
| Tier 1 risk-based capital ratio | 23.6132% | 1,058 |
| Total risk-based capital ratio | 24.9173% | 1,036 |
| Memoranda: | ||
| Average total assets | $29,139,000,000 | 44 |
| Average earning assets | $27,869,500,000 | 44 |
| Average equity | $3,275,750,000 | 49 |
| Average total loans | $28,319,750,000 | 32 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2982% | 1,900 |
| Cost of funding earning assets | 0.1454% | 7,443 |
| Net interest margin | 5.1528% | 306 |
| Noninterest income to average assets | -0.1580% | 7,317 |
| Noninterest expense to average assets | 0.3229% | 7,497 |
| Loan and lease loss provision to assets | 0.9824% | 888 |
| Net operating income to assets | 2.2122% | 260 |
| Return on assets (ROA) | 2.2122% | 273 |
| Pretax return on assets | 3.4076% | 116 |
| Return on Equity (ROE) | 19.5467% | 340 |
| Retained earnings to average equity (ytd only) | -9.2877% | 6,846 |
| Net charge-offs to loans | 1.4435% | 1,040 |
| Credit loss provision to net charge-offs | 69.7561% | 4,061 |
| Earnings coverage of net charge-offs (x) | 3.1171% | 3,297 |
| Efficiency ratio | 6.5598% | 7,500 |
| Assets per employee ($millions) | 5,142.0000% | 2 |
| Cash dividends to net income (ytd only)* | 147.5155% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3747% | 660 |
| Loan loss allowance to noncurrent loans | 67.6494% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 5.0058% | 1,227 |
| Noncurrent loans to loans | 4.9885% | 1,310 |
| Net loans and leases to total assets | 94.5508% | 7 |
| Net loans and leases to deposits | 145.8336% | 31 |
| Net loans and leases to core deposits | 159.5183% | 125 |
| Total domestic deposits to total assets | 64.8347% | 7,292 |
| Equity capital to assets | 12.5554% | 1,751 |
| Core capital (leverage) ratio | 11.4179% | 1,961 |
| Tier 1 risk-based capital ratio | 26.3501% | 780 |
| Total risk-based capital ratio | 27.6705% | 757 |
| Memoranda: | ||
| Average total assets | $29,111,000,000 | 47 |
| Average earning assets | $27,519,000,000 | 46 |
| Average equity | $3,294,666,670 | 50 |
| Average total loans | $28,402,666,670 | 33 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3701% | 1,673 |
| Cost of funding earning assets | 0.1511% | 7,505 |
| Net interest margin | 5.2191% | 249 |
| Noninterest income to average assets | -0.1168% | 7,390 |
| Noninterest expense to average assets | 0.3246% | 7,560 |
| Loan and lease loss provision to assets | 0.6102% | 1,407 |
| Net operating income to assets | 2.5185% | 174 |
| Return on assets (ROA) | 2.5185% | 180 |
| Pretax return on assets | 3.8817% | 105 |
| Return on Equity (ROE) | 23.3173% | 201 |
| Retained earnings to average equity (ytd only) | -12.7404% | 6,965 |
| Net charge-offs to loans | 1.1191% | 1,241 |
| Credit loss provision to net charge-offs | 55.9524% | 3,626 |
| Earnings coverage of net charge-offs (x) | 4.1190% | 2,556 |
| Efficiency ratio | 6.4690% | 7,559 |
| Assets per employee ($millions) | 5,959.4000% | 2 |
| Cash dividends to net income (ytd only)* | 154.6392% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9664% | 943 |
| Loan loss allowance to noncurrent loans | 60.6207% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 5.0475% | 1,244 |
| Noncurrent loans to loans | 4.8934% | 1,387 |
| Net loans and leases to total assets | 96.4963% | 3 |
| Net loans and leases to deposits | 175.7411% | 23 |
| Net loans and leases to core deposits | 194.0803% | 80 |
| Total domestic deposits to total assets | 54.9082% | 7,467 |
| Equity capital to assets | 10.9910% | 2,695 |
| Core capital (leverage) ratio | 9.5726% | 3,698 |
| Tier 1 risk-based capital ratio | 22.8761% | 1,098 |
| Total risk-based capital ratio | 24.1817% | 1,077 |
| Memoranda: | ||
| Average total assets | $30,811,500,000 | 46 |
| Average earning assets | $29,124,000,000 | 46 |
| Average equity | $3,328,000,000 | 50 |
| Average total loans | $30,025,000,000 | 33 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8802% | 5,111 |
| Cost of funding earning assets | 0.2016% | 7,551 |
| Net interest margin | 4.6785% | 856 |
| Noninterest income to average assets | 0.0443% | 7,135 |
| Noninterest expense to average assets | 0.4070% | 7,620 |
| Loan and lease loss provision to assets | 1.6417% | 873 |
| Net operating income to assets | 1.5753% | 652 |
| Return on assets (ROA) | 1.5753% | 714 |
| Pretax return on assets | 2.4279% | 207 |
| Return on Equity (ROE) | 16.4356% | 534 |
| Retained earnings to average equity (ytd only) | 3.4373% | 3,460 |
| Net charge-offs to loans | 1.6986% | 1,276 |
| Credit loss provision to net charge-offs | 106.6547% | 4,180 |
| Earnings coverage of net charge-offs (x) | 2.6439% | 3,777 |
| Efficiency ratio | 8.7817% | 7,638 |
| Assets per employee ($millions) | 6,365.2000% | 2 |
| Cash dividends to net income (ytd only)* | 79.0861% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0377% | 842 |
| Loan loss allowance to noncurrent loans | 61.1921% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 4.9991% | 1,278 |
| Noncurrent loans to loans | 4.9642% | 1,362 |
| Net loans and leases to total assets | 92.6727% | 25 |
| Net loans and leases to deposits | 127.6023% | 75 |
| Net loans and leases to core deposits | 136.9648% | 251 |
| Total domestic deposits to total assets | 72.6262% | 7,031 |
| Equity capital to assets | 10.6234% | 3,046 |
| Core capital (leverage) ratio | 8.7473% | 4,946 |
| Tier 1 risk-based capital ratio | 22.0287% | 1,171 |
| Total risk-based capital ratio | 23.3372% | 1,134 |
| Memoranda: | ||
| Average total assets | $36,121,200,000 | 43 |
| Average earning assets | $34,220,200,000 | 43 |
| Average equity | $3,462,000,000 | 49 |
| Average total loans | $32,732,800,000 | 32 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7492% | 5,857 |
| Cost of funding earning assets | 0.2184% | 7,668 |
| Net interest margin | 4.5307% | 1,188 |
| Noninterest income to average assets | 3.6742% | 182 |
| Noninterest expense to average assets | 4.2908% | 751 |
| Loan and lease loss provision to assets | 1.6668% | 769 |
| Net operating income to assets | 1.3191% | 1,302 |
| Return on assets (ROA) | 1.3191% | 1,375 |
| Pretax return on assets | 2.0289% | 585 |
| Return on Equity (ROE) | 14.0902% | 1,014 |
| Retained earnings to average equity (ytd only) | 3.5608% | 3,943 |
| Net charge-offs to loans | 1.6891% | 1,164 |
| Credit loss provision to net charge-offs | 110.1896% | 3,843 |
| Earnings coverage of net charge-offs (x) | 2.4431% | 3,951 |
| Efficiency ratio | 53.5907% | 6,823 |
| Assets per employee ($millions) | 6,716.4000% | 1 |
| Cash dividends to net income (ytd only)* | 74.7283% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8856% | 924 |
| Loan loss allowance to noncurrent loans | 50.3772% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 5.7799% | 1,052 |
| Noncurrent loans to loans | 5.7280% | 1,134 |
| Net loans and leases to total assets | 93.7020% | 13 |
| Net loans and leases to deposits | 149.5509% | 35 |
| Net loans and leases to core deposits | 161.6345% | 143 |
| Total domestic deposits to total assets | 62.6556% | 7,545 |
| Equity capital to assets | 9.9905% | 4,168 |
| Core capital (leverage) ratio | 8.0237% | 6,315 |
| Tier 1 risk-based capital ratio | 20.1669% | 1,515 |
| Total risk-based capital ratio | 21.4655% | 1,476 |
| Memoranda: | ||
| Average total assets | $37,195,000,000 | 43 |
| Average earning assets | $35,401,750,000 | 42 |
| Average equity | $3,482,250,000 | 48 |
| Average total loans | $33,311,500,000 | 31 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5651% | 6,551 |
| Cost of funding earning assets | 0.1907% | 7,748 |
| Net interest margin | 4.3744% | 1,527 |
| Noninterest income to average assets | 3.7553% | 178 |
| Noninterest expense to average assets | 4.3855% | 657 |
| Loan and lease loss provision to assets | 1.6042% | 815 |
| Net operating income to assets | 1.2656% | 1,391 |
| Return on assets (ROA) | 1.2656% | 1,459 |
| Pretax return on assets | 1.9480% | 672 |
| Return on Equity (ROE) | 13.7885% | 1,080 |
| Retained earnings to average equity (ytd only) | 1.0214% | 5,360 |
| Net charge-offs to loans | 1.6600% | 1,137 |
| Credit loss provision to net charge-offs | 110.3943% | 3,684 |
| Earnings coverage of net charge-offs (x) | 2.4444% | 3,771 |
| Efficiency ratio | 55.0525% | 6,756 |
| Assets per employee ($millions) | 7,379.2000% | 1 |
| Cash dividends to net income (ytd only)* | 92.5926% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7269% | 1,062 |
| Loan loss allowance to noncurrent loans | 42.0218% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 6.1118% | 950 |
| Noncurrent loans to loans | 6.4892% | 923 |
| Net loans and leases to total assets | 89.6249% | 89 |
| Net loans and leases to deposits | 208.2499% | 23 |
| Net loans and leases to core deposits | 235.4935% | 68 |
| Total domestic deposits to total assets | 43.0372% | 7,748 |
| Equity capital to assets | 8.8899% | 5,619 |
| Core capital (leverage) ratio | 8.0945% | 6,128 |
| Tier 1 risk-based capital ratio | 18.4244% | 1,851 |
| Total risk-based capital ratio | 19.7235% | 1,809 |
| Memoranda: | ||
| Average total assets | $38,399,333,330 | 43 |
| Average earning assets | $36,713,333,330 | 41 |
| Average equity | $3,524,666,670 | 47 |
| Average total loans | $33,614,666,670 | 31 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4575% | 6,880 |
| Cost of funding earning assets | 0.1607% | 7,866 |
| Net interest margin | 4.2968% | 1,699 |
| Noninterest income to average assets | 2.0638% | 331 |
| Noninterest expense to average assets | 2.5236% | 5,640 |
| Loan and lease loss provision to assets | 0.9706% | 1,289 |
| Net operating income to assets | 1.7369% | 566 |
| Return on assets (ROA) | 1.7369% | 623 |
| Pretax return on assets | 2.6666% | 195 |
| Return on Equity (ROE) | 18.6455% | 468 |
| Retained earnings to average equity (ytd only) | 18.6455% | 223 |
| Net charge-offs to loans | 1.5557% | 1,118 |
| Credit loss provision to net charge-offs | 73.0769% | 4,031 |
| Earnings coverage of net charge-offs (x) | 2.7385% | 3,177 |
| Efficiency ratio | 40.7960% | 7,711 |
| Assets per employee ($millions) | 9,434.2500% | 1 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6076% | 1,168 |
| Loan loss allowance to noncurrent loans | 35.5437% | 6,008 |
| Noncurrent assets plus other real estate owned to assets | 6.5480% | 869 |
| Noncurrent loans to loans | 7.3365% | 787 |
| Net loans and leases to total assets | 85.4122% | 258 |
| Net loans and leases to deposits | 210.6942% | 27 |
| Net loans and leases to core deposits | 240.1609% | 77 |
| Total domestic deposits to total assets | 40.5385% | 7,856 |
| Equity capital to assets | 9.0945% | 5,143 |
| Core capital (leverage) ratio | 8.3480% | 5,644 |
| Tier 1 risk-based capital ratio | 18.5201% | 1,827 |
| Total risk-based capital ratio | 19.8112% | 1,783 |
| Memoranda: | ||
| Average total assets | $39,151,000,000 | 43 |
| Average earning assets | $37,330,000,000 | 41 |
| Average equity | $3,647,000,000 | 46 |
| Average total loans | $33,424,500,000 | 31 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9915% | 7,702 |
| Cost of funding earning assets | 0.4862% | 7,843 |
| Net interest margin | 3.5053% | 4,934 |
| Noninterest income to average assets | 1.5783% | 575 |
| Noninterest expense to average assets | 1.8244% | 7,585 |
| Loan and lease loss provision to assets | 1.7782% | 1,276 |
| Net operating income to assets | 0.8728% | 2,267 |
| Return on assets (ROA) | 0.8728% | 2,331 |
| Pretax return on assets | 1.3572% | 1,539 |
| Return on Equity (ROE) | 11.9611% | 1,170 |
| Retained earnings to average equity (ytd only) | 2.0813% | 3,647 |
| Net charge-offs to loans | 2.0062% | 1,224 |
| Credit loss provision to net charge-offs | 136.6322% | 3,610 |
| Earnings coverage of net charge-offs (x) | 2.4092% | 3,925 |
| Efficiency ratio | 36.5504% | 7,895 |
| Assets per employee ($millions) | 10,141.2500% | 4 |
| Cash dividends to net income (ytd only)* | 82.5991% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6812% | 1,036 |
| Loan loss allowance to noncurrent loans | 38.4452% | 5,861 |
| Noncurrent assets plus other real estate owned to assets | 5.8819% | 966 |
| Noncurrent loans to loans | 6.9740% | 804 |
| Net loans and leases to total assets | 80.9787% | 840 |
| Net loans and leases to deposits | 188.8742% | 28 |
| Net loans and leases to core deposits | 208.6048% | 84 |
| Total domestic deposits to total assets | 42.8744% | 7,929 |
| Equity capital to assets | 9.5205% | 4,391 |
| Core capital (leverage) ratio | 8.3723% | 5,496 |
| Tier 1 risk-based capital ratio | 19.2980% | 1,593 |
| Total risk-based capital ratio | 20.5872% | 1,544 |
| Memoranda: | ||
| Average total assets | $52,018,293,800 | 34 |
| Average earning assets | $50,181,571,200 | 32 |
| Average equity | $3,795,629,800 | 44 |
| Average total loans | $33,746,103,800 | 29 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5551% | 4,121 |
| Cost of funding earning assets | 0.1051% | 8,053 |
| Net interest margin | 5.4500% | 192 |
| Noninterest income to average assets | 2.9152% | 231 |
| Noninterest expense to average assets | 2.6038% | 5,700 |
| Loan and lease loss provision to assets | 3.5378% | 367 |
| Net operating income to assets | 1.4010% | 1,029 |
| Return on assets (ROA) | 1.4010% | 1,092 |
| Pretax return on assets | 2.1557% | 390 |
| Return on Equity (ROE) | 21.1251% | 250 |
| Retained earnings to average equity (ytd only) | 14.0123% | 192 |
| Net charge-offs to loans | 2.2783% | 831 |
| Credit loss provision to net charge-offs | 154.0041% | 3,106 |
| Earnings coverage of net charge-offs (x) | 2.4784% | 3,990 |
| Efficiency ratio | 31.3815% | 8,003 |
| Assets per employee ($millions) | 7,413.0000% | 4 |
| Cash dividends to net income (ytd only)* | 33.6700% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2881% | 1,311 |
| Loan loss allowance to noncurrent loans | 47.5138% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 4.8867% | 1,205 |
| Noncurrent loans to loans | 4.8158% | 1,411 |
| Net loans and leases to total assets | 99.0827% | 2 |
| Net loans and leases to deposits | 237.6638% | 27 |
| Net loans and leases to core deposits | 237.6830% | 55 |
| Total domestic deposits to total assets | 41.6903% | 8,011 |
| Equity capital to assets | 7.4363% | 7,349 |
| Core capital (leverage) ratio | 7.5020% | 6,967 |
| Tier 1 risk-based capital ratio | 14.3603% | 3,352 |
| Total risk-based capital ratio | 15.6498% | 3,273 |
| Memoranda: | ||
| Average total assets | $28,265,250,000 | 53 |
| Average earning assets | $27,913,750,000 | 50 |
| Average equity | $1,874,500,000 | 69 |
| Average total loans | $28,500,000,000 | 33 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6518% | 3,808 |
| Cost of funding earning assets | 0.1167% | 8,144 |
| Net interest margin | 5.5351% | 177 |
| Noninterest income to average assets | 2.6760% | 242 |
| Noninterest expense to average assets | 1.6833% | 7,850 |
| Loan and lease loss provision to assets | 4.9491% | 213 |
| Net operating income to assets | 0.9711% | 2,203 |
| Return on assets (ROA) | 0.9711% | 2,298 |
| Pretax return on assets | 1.5034% | 1,431 |
| Return on Equity (ROE) | 15.3032% | 782 |
| Retained earnings to average equity (ytd only) | 15.3032% | 191 |
| Net charge-offs to loans | 2.3662% | 752 |
| Credit loss provision to net charge-offs | 207.8550% | 2,204 |
| Earnings coverage of net charge-offs (x) | 2.7100% | 3,726 |
| Efficiency ratio | 20.6897% | 8,139 |
| Assets per employee ($millions) | 5,693.0000% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7623% | 703 |
| Loan loss allowance to noncurrent loans | 58.9744% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 4.6584% | 1,190 |
| Noncurrent loans to loans | 4.6839% | 1,351 |
| Net loans and leases to total assets | 96.7082% | 6 |
| Net loans and leases to deposits | 194.1326% | 36 |
| Net loans and leases to core deposits | 194.1463% | 144 |
| Total domestic deposits to total assets | 49.8156% | 8,060 |
| Equity capital to assets | 7.5285% | 7,238 |
| Core capital (leverage) ratio | 7.2592% | 7,289 |
| Tier 1 risk-based capital ratio | 14.1935% | 3,406 |
| Total risk-based capital ratio | 15.4916% | 3,316 |
| Memoranda: | ||
| Average total assets | $27,803,000,000 | 57 |
| Average earning assets | $27,425,000,000 | 52 |
| Average equity | $1,764,333,330 | 75 |
| Average total loans | $27,977,333,330 | 36 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7075% | 3,764 |
| Cost of funding earning assets | 0.1320% | 8,193 |
| Net interest margin | 5.5754% | 160 |
| Noninterest income to average assets | 4.2807% | 154 |
| Noninterest expense to average assets | 2.9703% | 3,891 |
| Loan and lease loss provision to assets | 5.6348% | 136 |
| Net operating income to assets | 0.7863% | 3,186 |
| Return on assets (ROA) | 0.7863% | 3,351 |
| Pretax return on assets | 1.2085% | 2,599 |
| Return on Equity (ROE) | 13.7143% | 1,225 |
| Retained earnings to average equity (ytd only) | 13.7143% | 540 |
| Net charge-offs to loans | 2.0136% | 718 |
| Credit loss provision to net charge-offs | 276.4286% | 1,735 |
| Earnings coverage of net charge-offs (x) | 3.3571% | 3,203 |
| Efficiency ratio | 30.2671% | 8,151 |
| Assets per employee ($millions) | 5,608.4000% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3564% | 894 |
| Loan loss allowance to noncurrent loans | 59.6273% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 4.0190% | 1,277 |
| Noncurrent loans to loans | 3.9519% | 1,530 |
| Net loans and leases to total assets | 99.3010% | 1 |
| Net loans and leases to deposits | 201.8997% | 33 |
| Net loans and leases to core deposits | 201.9143% | 136 |
| Total domestic deposits to total assets | 49.1834% | 8,103 |
| Equity capital to assets | 5.7485% | 8,035 |
| Core capital (leverage) ratio | 5.6034% | 8,070 |
| Tier 1 risk-based capital ratio | 10.8981% | 5,996 |
| Total risk-based capital ratio | 12.1826% | 5,871 |
| Memoranda: | ||
| Average total assets | $27,472,000,000 | 57 |
| Average earning assets | $27,262,500,000 | 53 |
| Average equity | $1,575,000,000 | 80 |
| Average total loans | $27,811,000,000 | 37 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2336% | 4,335 |
| Cost of funding earning assets | 1.2969% | 7,853 |
| Net interest margin | 4.9367% | 587 |
| Noninterest income to average assets | 2.3704% | 272 |
| Noninterest expense to average assets | 2.2252% | 6,909 |
| Loan and lease loss provision to assets | 1.8496% | 678 |
| Net operating income to assets | 2.0657% | 311 |
| Return on assets (ROA) | 2.0657% | 291 |
| Pretax return on assets | 3.1783% | 85 |
| Return on Equity (ROE) | 34.5052% | 31 |
| Retained earnings to average equity (ytd only) | -5.7410% | 6,630 |
| Net charge-offs to loans | 0.7815% | 1,594 |
| Credit loss provision to net charge-offs | 237.2727% | 1,992 |
| Earnings coverage of net charge-offs (x) | 6.4500% | 3,357 |
| Efficiency ratio | 30.6790% | 8,229 |
| Assets per employee ($millions) | 6,725.5000% | 4 |
| Cash dividends to net income (ytd only)* | 116.6381% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5680% | 2,364 |
| Loan loss allowance to noncurrent loans | 55.1948% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 2.8660% | 1,633 |
| Noncurrent loans to loans | 2.8409% | 1,908 |
| Net loans and leases to total assets | 99.1711% | 1 |
| Net loans and leases to deposits | 396.9499% | 19 |
| Net loans and leases to core deposits | 397.0089% | 28 |
| Total domestic deposits to total assets | 24.9833% | 8,227 |
| Equity capital to assets | 5.7170% | 8,106 |
| Core capital (leverage) ratio | 5.4903% | 8,162 |
| Tier 1 risk-based capital ratio | 10.9051% | 5,808 |
| Total risk-based capital ratio | 12.7415% | 5,138 |
| Memoranda: | ||
| Average total assets | $28,222,800,000 | 54 |
| Average earning assets | $27,913,400,000 | 50 |
| Average equity | $1,689,600,000 | 69 |
| Average total loans | $28,151,800,000 | 36 |