Home > Wells Fargo Trust Company > Performance and Condition Ratios
Wells Fargo Trust Company, 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 | 4.5286% | 3,856 |
| Cost of funding earning assets | 0.0000% | 4,397 |
| Net interest margin | 4.5286% | 597 |
| Noninterest income to average assets | -0.1200% | 4,459 |
| Noninterest expense to average assets | 0.1042% | 4,426 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.8548% | 575 |
| Return on assets (ROA) | 1.8548% | 575 |
| Pretax return on assets | 2.3795% | 379 |
| Return on Equity (ROE) | 1.9400% | 4,003 |
| Retained earnings to average equity (ytd only) | 1.9364% | 3,333 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 4.1971% | 4,453 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,373 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 0.0000% | 4,354 |
| Net loans and leases to deposits | 0.0000% | 4,363 |
| Net loans and leases to core deposits | 0.0000% | 4,352 |
| Total domestic deposits to total assets | 0.0000% | 4,428 |
| Equity capital to assets | 95.7353% | 63 |
| Core capital (leverage) ratio | 96.1123% | 25 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 376.6985% | 20 |
| Memoranda: | ||
| Average total assets | $1,389,035,000 | 791 |
| Average earning assets | $798,391,000 | 1,164 |
| Average equity | $1,330,529,500 | 143 |
| Average total loans | $0 | 4,354 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4089% | 2,317 |
| Cost of funding earning assets | 0.0000% | 4,414 |
| Net interest margin | 5.4089% | 204 |
| Noninterest income to average assets | 0.5000% | 1,933 |
| Noninterest expense to average assets | 0.1590% | 4,450 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 2.9270% | 150 |
| Return on assets (ROA) | 2.9270% | 152 |
| Pretax return on assets | 3.3946% | 142 |
| Return on Equity (ROE) | 3.0500% | 3,848 |
| Retained earnings to average equity (ytd only) | 3.0538% | 3,021 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 4.4754% | 4,473 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,399 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 0.0000% | 4,378 |
| Net loans and leases to deposits | 0.0000% | 4,387 |
| Net loans and leases to core deposits | 0.0000% | 4,400 |
| Total domestic deposits to total assets | 0.0000% | 4,451 |
| Equity capital to assets | 95.8412% | 64 |
| Core capital (leverage) ratio | 96.2649% | 19 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 460.0262% | 16 |
| Memoranda: | ||
| Average total assets | $1,364,423,200 | 788 |
| Average earning assets | $770,358,200 | 1,181 |
| Average equity | $1,307,761,800 | 144 |
| Average total loans | $0 | 4,379 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5711% | 1,947 |
| Cost of funding earning assets | 0.0000% | 4,453 |
| Net interest margin | 5.5711% | 175 |
| Noninterest income to average assets | 0.6900% | 1,169 |
| Noninterest expense to average assets | 0.1793% | 4,479 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 3.0555% | 139 |
| Return on assets (ROA) | 3.0555% | 141 |
| Pretax return on assets | 3.6398% | 126 |
| Return on Equity (ROE) | 3.1900% | 3,855 |
| Retained earnings to average equity (ytd only) | 3.1878% | 3,107 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 4.6949% | 4,510 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,432 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 0.0000% | 4,409 |
| Net loans and leases to deposits | 0.0000% | 4,418 |
| Net loans and leases to core deposits | 0.0000% | 4,405 |
| Total domestic deposits to total assets | 0.0000% | 4,481 |
| Equity capital to assets | 95.8542% | 58 |
| Core capital (leverage) ratio | 96.2939% | 26 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 455.4283% | 14 |
| Memoranda: | ||
| Average total assets | $1,359,302,750 | 785 |
| Average earning assets | $764,667,250 | 1,179 |
| Average equity | $1,302,875,000 | 144 |
| Average total loans | $0 | 4,410 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5878% | 1,801 |
| Cost of funding earning assets | 0.0000% | 4,464 |
| Net interest margin | 5.5878% | 174 |
| Noninterest income to average assets | 0.6600% | 1,224 |
| Noninterest expense to average assets | 0.2052% | 4,500 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 3.0260% | 150 |
| Return on assets (ROA) | 3.0260% | 154 |
| Pretax return on assets | 3.5841% | 138 |
| Return on Equity (ROE) | 3.1600% | 3,861 |
| Retained earnings to average equity (ytd only) | 3.1571% | 2,992 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 5.4150% | 4,528 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,450 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,430 |
| Net loans and leases to deposits | 0.0000% | 4,441 |
| Net loans and leases to core deposits | 0.0000% | 4,455 |
| Total domestic deposits to total assets | 0.0000% | 4,501 |
| Equity capital to assets | 95.8159% | 64 |
| Core capital (leverage) ratio | 96.1817% | 26 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 462.8812% | 16 |
| Memoranda: | ||
| Average total assets | $1,353,886,667 | 795 |
| Average earning assets | $757,935,000 | 1,188 |
| Average equity | $1,297,658,667 | 142 |
| Average total loans | $0 | 4,430 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5869% | 1,649 |
| Cost of funding earning assets | 0.0000% | 4,491 |
| Net interest margin | 5.5869% | 174 |
| Noninterest income to average assets | 0.6200% | 1,289 |
| Noninterest expense to average assets | 0.1549% | 4,528 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 3.0773% | 156 |
| Return on assets (ROA) | 3.0773% | 157 |
| Pretax return on assets | 3.5866% | 139 |
| Return on Equity (ROE) | 3.2100% | 3,813 |
| Retained earnings to average equity (ytd only) | 3.2101% | 2,923 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 4.1389% | 4,545 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,440 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 0.0000% | 4,458 |
| Net loans and leases to deposits | 0.0000% | 4,457 |
| Net loans and leases to core deposits | 0.0000% | 4,479 |
| Total domestic deposits to total assets | 0.0000% | 4,526 |
| Equity capital to assets | 95.6308% | 62 |
| Core capital (leverage) ratio | 96.3060% | 27 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 452.5355% | 15 |
| Memoranda: | ||
| Average total assets | $1,348,346,000 | 803 |
| Average earning assets | $752,187,500 | 1,201 |
| Average equity | $1,292,559,500 | 143 |
| Average total loans | $0 | 4,458 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3210% | 1,456 |
| Cost of funding earning assets | 0.0000% | 4,519 |
| Net interest margin | 5.3210% | 230 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 0.1925% | 4,544 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.8397% | 182 |
| Return on assets (ROA) | 2.8397% | 181 |
| Pretax return on assets | 3.3224% | 163 |
| Return on Equity (ROE) | 2.9600% | 4,030 |
| Retained earnings to average equity (ytd only) | 2.9584% | 3,288 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 5.4756% | 4,565 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,458 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 0.0000% | 4,545 |
| Equity capital to assets | 96.0974% | 59 |
| Core capital (leverage) ratio | 96.5762% | 21 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 448.1904% | 15 |
| Memoranda: | ||
| Average total assets | $1,320,298,000 | 794 |
| Average earning assets | $721,907,800 | 1,200 |
| Average equity | $1,267,360,200 | 139 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2072% | 1,438 |
| Cost of funding earning assets | 0.0000% | 4,547 |
| Net interest margin | 5.2072% | 254 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 0.1971% | 4,573 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.6900% | 221 |
| Return on assets (ROA) | 2.6900% | 220 |
| Pretax return on assets | 3.2281% | 193 |
| Return on Equity (ROE) | 2.8000% | 4,122 |
| Retained earnings to average equity (ytd only) | 2.8032% | 3,556 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 5.7555% | 4,586 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,482 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 0.0000% | 4,578 |
| Equity capital to assets | 96.0512% | 62 |
| Core capital (leverage) ratio | 96.4344% | 22 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 458.7099% | 15 |
| Memoranda: | ||
| Average total assets | $1,315,458,750 | 796 |
| Average earning assets | $717,140,000 | 1,203 |
| Average equity | $1,262,357,000 | 140 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0095% | 1,548 |
| Cost of funding earning assets | 0.0000% | 4,571 |
| Net interest margin | 5.0095% | 305 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 0.2157% | 4,601 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.5602% | 231 |
| Return on assets (ROA) | 2.5602% | 229 |
| Pretax return on assets | 3.0673% | 191 |
| Return on Equity (ROE) | 2.6700% | 4,199 |
| Retained earnings to average equity (ytd only) | 2.6687% | 3,560 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 6.5706% | 4,608 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,517 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 0.0000% | 4,600 |
| Equity capital to assets | 95.9835% | 60 |
| Core capital (leverage) ratio | 96.3364% | 24 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 439.4180% | 17 |
| Memoranda: | ||
| Average total assets | $1,310,980,000 | 788 |
| Average earning assets | $713,051,667 | 1,211 |
| Average equity | $1,257,669,333 | 136 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9223% | 3,628 |
| Cost of funding earning assets | 0.0000% | 4,615 |
| Net interest margin | 3.9223% | 1,428 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 0.2691% | 4,671 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0162% | 477 |
| Return on assets (ROA) | 2.0162% | 473 |
| Pretax return on assets | 2.4010% | 413 |
| Return on Equity (ROE) | 2.1000% | 4,292 |
| Retained earnings to average equity (ytd only) | 2.1022% | 3,685 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 10.0780% | 4,667 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,580 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 0.0000% | 4,605 |
| Net loans and leases to deposits | 0.0000% | 4,604 |
| Net loans and leases to core deposits | 0.0000% | 4,587 |
| Total domestic deposits to total assets | 0.0000% | 4,642 |
| Equity capital to assets | 95.8722% | 15 |
| Core capital (leverage) ratio | 96.2203% | 25 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 465.6182% | 12 |
| Memoranda: | ||
| Average total assets | $1,306,636,500 | 806 |
| Average earning assets | $708,052,500 | 1,230 |
| Average equity | $1,253,173,000 | 140 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9579% | 4,610 |
| Cost of funding earning assets | 0.0000% | 4,648 |
| Net interest margin | 1.9579% | 4,562 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 0.4347% | 4,691 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6500% | 604 |
| Return on assets (ROA) | 1.6500% | 573 |
| Pretax return on assets | 1.6268% | 1,092 |
| Return on Equity (ROE) | 1.7300% | 4,409 |
| Retained earnings to average equity (ytd only) | 1.7251% | 4,033 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 21.0861% | 4,686 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 0.0000% | 4,635 |
| Net loans and leases to deposits | 0.0000% | 4,634 |
| Net loans and leases to core deposits | 0.0000% | 4,617 |
| Total domestic deposits to total assets | 0.0000% | 4,674 |
| Equity capital to assets | 95.9447% | 16 |
| Core capital (leverage) ratio | 96.3017% | 22 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 324.2643% | 29 |
| Memoranda: | ||
| Average total assets | $1,295,204,000 | 794 |
| Average earning assets | $694,840,800 | 1,242 |
| Average equity | $1,238,826,800 | 145 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2835% | 4,681 |
| Cost of funding earning assets | 0.0000% | 4,686 |
| Net interest margin | 1.2835% | 4,663 |
| Noninterest income to average assets | 1.1400% | 542 |
| Noninterest expense to average assets | 0.4833% | 4,730 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5114% | 832 |
| Return on assets (ROA) | 1.5114% | 808 |
| Pretax return on assets | 1.3486% | 1,891 |
| Return on Equity (ROE) | 1.5800% | 4,446 |
| Retained earnings to average equity (ytd only) | 1.5814% | 4,125 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 26.3815% | 4,705 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,653 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 0.0000% | 4,679 |
| Net loans and leases to deposits | 0.0000% | 4,678 |
| Net loans and leases to core deposits | 0.0000% | 4,661 |
| Total domestic deposits to total assets | 0.0000% | 4,716 |
| Equity capital to assets | 95.9747% | 17 |
| Core capital (leverage) ratio | 96.3405% | 22 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 324.7851% | 27 |
| Memoranda: | ||
| Average total assets | $1,293,327,750 | 802 |
| Average earning assets | $693,087,500 | 1,254 |
| Average equity | $1,236,063,500 | 148 |
| Average total loans | $0 | 4,681 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7755% | 5,582 |
| Cost of funding earning assets | 0.0337% | 5,574 |
| Net interest margin | 1.7417% | 5,562 |
| Noninterest income to average assets | 1.8002% | 310 |
| Noninterest expense to average assets | 1.6433% | 5,300 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0796% | 2,523 |
| Return on assets (ROA) | 1.0796% | 2,541 |
| Pretax return on assets | 1.3168% | 2,299 |
| Return on Equity (ROE) | 1.4870% | 5,256 |
| Retained earnings to average equity (ytd only) | -29.7716% | 5,552 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5164% | 4,642 |
| Assets per employee ($millions) | 13.8871% | 127 |
| Cash dividends to net income (ytd only)* | 2,102.1652% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,578 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 5,614 |
| Equity capital to assets | 93.0931% | 8 |
| Core capital (leverage) ratio | 71.9191% | 29 |
| Tier 1 risk-based capital ratio | 159.0779% | 29 |
| Total risk-based capital ratio | 159.0779% | 29 |
| Memoranda: | ||
| Average total assets | $1,762,499,000 | 467 |
| Average earning assets | $1,173,773,000 | 616 |
| Average equity | $1,279,647,500 | 135 |
| Average total loans | $99,206,500 | 3,375 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7490% | 5,475 |
| Cost of funding earning assets | 0.0763% | 5,559 |
| Net interest margin | 2.6728% | 5,301 |
| Noninterest income to average assets | 1.7195% | 373 |
| Noninterest expense to average assets | 1.7823% | 5,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,226 |
| Net operating income to assets | 1.7140% | 512 |
| Return on assets (ROA) | 1.7403% | 494 |
| Pretax return on assets | 2.4270% | 207 |
| Return on Equity (ROE) | 9.8514% | 1,951 |
| Retained earnings to average equity (ytd only) | 6.0171% | 1,535 |
| Net charge-offs to loans | 0.0005% | 4,114 |
| Credit loss provision to net charge-offs | 10.0000% | 3,666 |
| Earnings coverage of net charge-offs (x) | 8,822.7500% | 6 |
| Efficiency ratio | 42.7135% | 5,480 |
| Assets per employee ($millions) | 24.2387% | 40 |
| Cash dividends to net income (ytd only)* | 38.9208% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,620 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 0.1070% | 4,598 |
| Noncurrent loans to loans | 1.1894% | 1,496 |
| Net loans and leases to total assets | 8.9954% | 5,622 |
| Net loans and leases to deposits | 23.4183% | 5,576 |
| Net loans and leases to core deposits | 24.4849% | 5,574 |
| Total domestic deposits to total assets | 38.4117% | 5,632 |
| Equity capital to assets | 60.3494% | 34 |
| Core capital (leverage) ratio | 26.2602% | 89 |
| Tier 1 risk-based capital ratio | 123.4192% | 32 |
| Total risk-based capital ratio | 123.4192% | 32 |
| Memoranda: | ||
| Average total assets | $7,381,771,800 | 162 |
| Average earning assets | $6,775,549,600 | 160 |
| Average equity | $1,304,043,600 | 123 |
| Average total loans | $3,980,731,200 | 191 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7050% | 5,561 |
| Cost of funding earning assets | 0.0389% | 5,695 |
| Net interest margin | 2.6662% | 5,359 |
| Noninterest income to average assets | 1.6590% | 408 |
| Noninterest expense to average assets | 0.4499% | 5,725 |
| Loan and lease loss provision to assets | 0.0000% | 4,087 |
| Net operating income to assets | 2.5261% | 131 |
| Return on assets (ROA) | 2.5543% | 130 |
| Pretax return on assets | 3.7289% | 77 |
| Return on Equity (ROE) | 17.0824% | 409 |
| Retained earnings to average equity (ytd only) | 11.9436% | 300 |
| Net charge-offs to loans | 0.0005% | 3,784 |
| Credit loss provision to net charge-offs | 10.0000% | 3,225 |
| Earnings coverage of net charge-offs (x) | 11,995.3007% | 2 |
| Efficiency ratio | 10.8735% | 5,729 |
| Assets per employee ($millions) | 93.3371% | 16 |
| Cash dividends to net income (ytd only)* | 30.0828% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,687 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 5,219 |
| Noncurrent loans to loans | 0.0185% | 5,056 |
| Net loans and leases to total assets | 52.8581% | 4,506 |
| Net loans and leases to deposits | 64.1778% | 4,367 |
| Net loans and leases to core deposits | 79.0181% | 3,535 |
| Total domestic deposits to total assets | 82.3621% | 3,668 |
| Equity capital to assets | 16.6677% | 465 |
| Core capital (leverage) ratio | 16.3578% | 453 |
| Tier 1 risk-based capital ratio | 45.0201% | 166 |
| Total risk-based capital ratio | 45.0201% | 174 |
| Memoranda: | ||
| Average total assets | $8,675,784,250 | 147 |
| Average earning assets | $8,064,585,250 | 141 |
| Average equity | $1,297,269,500 | 122 |
| Average total loans | $4,926,310,750 | 168 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6267% | 5,625 |
| Cost of funding earning assets | 0.0162% | 5,758 |
| Net interest margin | 2.6105% | 5,429 |
| Noninterest income to average assets | 1.4574% | 510 |
| Noninterest expense to average assets | 0.4311% | 5,776 |
| Loan and lease loss provision to assets | 0.0000% | 3,870 |
| Net operating income to assets | 2.4088% | 149 |
| Return on assets (ROA) | 2.4516% | 142 |
| Pretax return on assets | 3.5169% | 89 |
| Return on Equity (ROE) | 17.0001% | 410 |
| Retained earnings to average equity (ytd only) | 9.1467% | 796 |
| Net charge-offs to loans | 0.0008% | 3,498 |
| Credit loss provision to net charge-offs | 10.0000% | 2,851 |
| Earnings coverage of net charge-offs (x) | 7,628.4500% | 2 |
| Efficiency ratio | 11.0914% | 5,780 |
| Assets per employee ($millions) | 93.3911% | 17 |
| Cash dividends to net income (ytd only)* | 46.1958% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,731 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 5,268 |
| Noncurrent loans to loans | 0.0144% | 5,115 |
| Net loans and leases to total assets | 56.8107% | 4,145 |
| Net loans and leases to deposits | 68.2242% | 4,047 |
| Net loans and leases to core deposits | 83.6025% | 3,114 |
| Total domestic deposits to total assets | 83.2706% | 3,478 |
| Equity capital to assets | 15.5983% | 588 |
| Core capital (leverage) ratio | 15.2426% | 586 |
| Tier 1 risk-based capital ratio | 28.6853% | 514 |
| Total risk-based capital ratio | 28.6853% | 571 |
| Memoranda: | ||
| Average total assets | $8,829,824,670 | 142 |
| Average earning assets | $8,217,271,000 | 138 |
| Average equity | $1,273,349,000 | 125 |
| Average total loans | $5,121,217,670 | 164 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5000% | 5,719 |
| Cost of funding earning assets | 0.0095% | 5,825 |
| Net interest margin | 2.4905% | 5,555 |
| Noninterest income to average assets | 1.4977% | 486 |
| Noninterest expense to average assets | 0.4261% | 5,843 |
| Loan and lease loss provision to assets | -0.0008% | 5,630 |
| Net operating income to assets | 2.5694% | 128 |
| Return on assets (ROA) | 1.5078% | 824 |
| Pretax return on assets | 1.9947% | 508 |
| Return on Equity (ROE) | 10.8679% | 1,615 |
| Retained earnings to average equity (ytd only) | -5.0749% | 5,392 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.1631% | 5,846 |
| Assets per employee ($millions) | 103.1806% | 14 |
| Cash dividends to net income (ytd only)* | 146.6964% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,804 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 5,329 |
| Noncurrent loans to loans | 0.0183% | 5,155 |
| Net loans and leases to total assets | 46.7790% | 4,905 |
| Net loans and leases to deposits | 55.2628% | 4,860 |
| Net loans and leases to core deposits | 67.5983% | 4,322 |
| Total domestic deposits to total assets | 84.6483% | 3,243 |
| Equity capital to assets | 14.0147% | 898 |
| Core capital (leverage) ratio | 13.8995% | 871 |
| Tier 1 risk-based capital ratio | 37.0565% | 275 |
| Total risk-based capital ratio | 37.0565% | 301 |
| Memoranda: | ||
| Average total assets | $9,042,138,500 | 137 |
| Average earning assets | $8,420,388,500 | 133 |
| Average equity | $1,254,488,000 | 124 |
| Average total loans | $5,294,301,000 | 161 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8217% | 5,630 |
| Cost of funding earning assets | 0.0169% | 5,875 |
| Net interest margin | 2.8048% | 5,276 |
| Noninterest income to average assets | 1.4086% | 581 |
| Noninterest expense to average assets | 0.4293% | 5,896 |
| Loan and lease loss provision to assets | -0.0006% | 5,452 |
| Net operating income to assets | 2.5233% | 141 |
| Return on assets (ROA) | 2.5416% | 138 |
| Pretax return on assets | 3.6094% | 82 |
| Return on Equity (ROE) | 17.2645% | 380 |
| Retained earnings to average equity (ytd only) | 1.4198% | 4,701 |
| Net charge-offs to loans | 0.0013% | 4,237 |
| Credit loss provision to net charge-offs | -68.4211% | 4,846 |
| Earnings coverage of net charge-offs (x) | 4,041.7763% | 8 |
| Efficiency ratio | 10.6997% | 5,906 |
| Assets per employee ($millions) | 108.4234% | 15 |
| Cash dividends to net income (ytd only)* | 91.7760% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0022% | 5,858 |
| Loan loss allowance to noncurrent loans | 14.3001% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 5,361 |
| Noncurrent loans to loans | 0.0155% | 5,215 |
| Net loans and leases to total assets | 70.1531% | 2,439 |
| Net loans and leases to deposits | 82.6449% | 2,594 |
| Net loans and leases to core deposits | 98.3428% | 1,746 |
| Total domestic deposits to total assets | 84.8850% | 3,098 |
| Equity capital to assets | 13.7349% | 973 |
| Core capital (leverage) ratio | 13.8764% | 848 |
| Tier 1 risk-based capital ratio | 31.0471% | 438 |
| Total risk-based capital ratio | 31.0506% | 483 |
| Memoranda: | ||
| Average total assets | $8,574,110,400 | 136 |
| Average earning assets | $7,957,988,400 | 131 |
| Average equity | $1,262,252,600 | 116 |
| Average total loans | $5,822,543,000 | 139 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7946% | 5,717 |
| Cost of funding earning assets | 0.0193% | 5,939 |
| Net interest margin | 2.7753% | 5,397 |
| Noninterest income to average assets | 1.2849% | 704 |
| Noninterest expense to average assets | 0.4366% | 5,966 |
| Loan and lease loss provision to assets | -0.0025% | 5,626 |
| Net operating income to assets | 2.4216% | 176 |
| Return on assets (ROA) | 2.4468% | 176 |
| Pretax return on assets | 3.4593% | 92 |
| Return on Equity (ROE) | 16.3252% | 509 |
| Retained earnings to average equity (ytd only) | 3.1512% | 4,028 |
| Net charge-offs to loans | 0.0008% | 3,927 |
| Credit loss provision to net charge-offs | -467.6471% | 5,061 |
| Earnings coverage of net charge-offs (x) | 6,370.8681% | 5 |
| Efficiency ratio | 11.3179% | 5,975 |
| Assets per employee ($millions) | 102.9932% | 16 |
| Cash dividends to net income (ytd only)* | 80.6972% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0015% | 5,929 |
| Loan loss allowance to noncurrent loans | 4.5135% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 5,439 |
| Noncurrent loans to loans | 0.0332% | 5,246 |
| Net loans and leases to total assets | 59.4200% | 3,949 |
| Net loans and leases to deposits | 70.6445% | 3,923 |
| Net loans and leases to core deposits | 84.7060% | 3,063 |
| Total domestic deposits to total assets | 84.1113% | 3,182 |
| Equity capital to assets | 14.6939% | 817 |
| Core capital (leverage) ratio | 14.5416% | 714 |
| Tier 1 risk-based capital ratio | 35.5715% | 320 |
| Total risk-based capital ratio | 35.5737% | 347 |
| Memoranda: | ||
| Average total assets | $8,440,746,250 | 138 |
| Average earning assets | $7,825,754,000 | 133 |
| Average equity | $1,265,087,000 | 114 |
| Average total loans | $5,680,832,750 | 141 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7657% | 5,818 |
| Cost of funding earning assets | 0.0196% | 6,019 |
| Net interest margin | 2.7460% | 5,513 |
| Noninterest income to average assets | 1.2034% | 780 |
| Noninterest expense to average assets | 0.4305% | 6,043 |
| Loan and lease loss provision to assets | -0.0035% | 5,748 |
| Net operating income to assets | 2.3636% | 183 |
| Return on assets (ROA) | 2.4121% | 176 |
| Pretax return on assets | 3.3894% | 98 |
| Return on Equity (ROE) | 15.9854% | 548 |
| Retained earnings to average equity (ytd only) | 4.1093% | 3,289 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.4848% | 6,052 |
| Assets per employee ($millions) | 98.8748% | 16 |
| Cash dividends to net income (ytd only)* | 74.2935% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0018% | 6,007 |
| Loan loss allowance to noncurrent loans | 9.1111% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 5,541 |
| Noncurrent loans to loans | 0.0199% | 5,394 |
| Net loans and leases to total assets | 80.7879% | 786 |
| Net loans and leases to deposits | 97.7869% | 910 |
| Net loans and leases to core deposits | 118.3379% | 558 |
| Total domestic deposits to total assets | 82.6163% | 3,788 |
| Equity capital to assets | 15.1696% | 700 |
| Core capital (leverage) ratio | 14.9401% | 624 |
| Tier 1 risk-based capital ratio | 31.3241% | 445 |
| Total risk-based capital ratio | 31.3271% | 485 |
| Memoranda: | ||
| Average total assets | $8,370,517,670 | 137 |
| Average earning assets | $7,756,845,000 | 133 |
| Average equity | $1,263,037,330 | 114 |
| Average total loans | $5,860,857,000 | 135 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4478% | 5,982 |
| Cost of funding earning assets | 0.0190% | 6,081 |
| Net interest margin | 2.4288% | 5,865 |
| Noninterest income to average assets | 0.9382% | 1,214 |
| Noninterest expense to average assets | 0.4134% | 6,108 |
| Loan and lease loss provision to assets | 0.0013% | 3,650 |
| Net operating income to assets | 2.0219% | 317 |
| Return on assets (ROA) | 2.0219% | 331 |
| Pretax return on assets | 2.7751% | 155 |
| Return on Equity (ROE) | 13.4357% | 937 |
| Retained earnings to average equity (ytd only) | 2.2989% | 4,336 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.9595% | 6,110 |
| Assets per employee ($millions) | 102.3339% | 19 |
| Cash dividends to net income (ytd only)* | 82.8893% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0058% | 6,072 |
| Loan loss allowance to noncurrent loans | 18.1540% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 5,569 |
| Noncurrent loans to loans | 0.0318% | 5,367 |
| Net loans and leases to total assets | 60.6574% | 3,691 |
| Net loans and leases to deposits | 73.0469% | 3,545 |
| Net loans and leases to core deposits | 88.6574% | 2,494 |
| Total domestic deposits to total assets | 83.0390% | 3,877 |
| Equity capital to assets | 14.7864% | 744 |
| Core capital (leverage) ratio | 14.9128% | 618 |
| Tier 1 risk-based capital ratio | 34.1512% | 366 |
| Total risk-based capital ratio | 34.1594% | 394 |
| Memoranda: | ||
| Average total assets | $8,353,599,000 | 138 |
| Average earning assets | $7,743,943,000 | 133 |
| Average equity | $1,257,101,500 | 115 |
| Average total loans | $5,396,373,000 | 149 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4613% | 6,009 |
| Cost of funding earning assets | 0.0191% | 6,142 |
| Net interest margin | 2.4423% | 5,868 |
| Noninterest income to average assets | 0.9432% | 1,334 |
| Noninterest expense to average assets | 0.3709% | 6,167 |
| Loan and lease loss provision to assets | -0.0072% | 5,614 |
| Net operating income to assets | 2.0469% | 322 |
| Return on assets (ROA) | 2.2341% | 243 |
| Pretax return on assets | 3.1095% | 112 |
| Return on Equity (ROE) | 15.3376% | 638 |
| Retained earnings to average equity (ytd only) | 0.2007% | 5,429 |
| Net charge-offs to loans | -0.0000% | 4,810 |
| Credit loss provision to net charge-offs | 62,400.0000% | 4 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.5424% | 6,173 |
| Assets per employee ($millions) | 97.7795% | 19 |
| Cash dividends to net income (ytd only)* | 98.6916% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0048% | 6,123 |
| Loan loss allowance to noncurrent loans | 16.1002% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 5,612 |
| Noncurrent loans to loans | 0.0297% | 5,392 |
| Net loans and leases to total assets | 68.6689% | 2,592 |
| Net loans and leases to deposits | 83.0068% | 2,472 |
| Net loans and leases to core deposits | 101.3031% | 1,419 |
| Total domestic deposits to total assets | 82.7268% | 3,936 |
| Equity capital to assets | 15.3198% | 623 |
| Core capital (leverage) ratio | 15.5798% | 524 |
| Tier 1 risk-based capital ratio | 32.9310% | 398 |
| Total risk-based capital ratio | 32.9381% | 437 |
| Memoranda: | ||
| Average total assets | $8,617,280,400 | 126 |
| Average earning assets | $8,009,321,000 | 119 |
| Average equity | $1,255,212,200 | 113 |
| Average total loans | $5,231,437,800 | 143 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4527% | 6,104 |
| Cost of funding earning assets | 0.0191% | 6,228 |
| Net interest margin | 2.4336% | 5,954 |
| Noninterest income to average assets | 0.9208% | 1,399 |
| Noninterest expense to average assets | 0.3614% | 6,258 |
| Loan and lease loss provision to assets | -0.0049% | 5,800 |
| Net operating income to assets | 2.0451% | 337 |
| Return on assets (ROA) | 2.2543% | 244 |
| Pretax return on assets | 3.1186% | 110 |
| Return on Equity (ROE) | 15.6669% | 641 |
| Retained earnings to average equity (ytd only) | -1.3389% | 5,793 |
| Net charge-offs to loans | -0.0000% | 4,643 |
| Credit loss provision to net charge-offs | 32,100.0000% | 8 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.3489% | 6,260 |
| Assets per employee ($millions) | 104.0315% | 18 |
| Cash dividends to net income (ytd only)* | 108.5460% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0131% | 6,207 |
| Loan loss allowance to noncurrent loans | 27.5481% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 5,682 |
| Noncurrent loans to loans | 0.0477% | 5,426 |
| Net loans and leases to total assets | 56.6416% | 4,287 |
| Net loans and leases to deposits | 69.1877% | 4,074 |
| Net loans and leases to core deposits | 85.5450% | 2,896 |
| Total domestic deposits to total assets | 81.8666% | 4,207 |
| Equity capital to assets | 16.0965% | 548 |
| Core capital (leverage) ratio | 14.5909% | 720 |
| Tier 1 risk-based capital ratio | 37.0295% | 302 |
| Total risk-based capital ratio | 37.0476% | 332 |
| Memoranda: | ||
| Average total assets | $8,718,230,000 | 123 |
| Average earning assets | $8,110,281,000 | 121 |
| Average equity | $1,254,442,250 | 115 |
| Average total loans | $5,129,202,250 | 146 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2861% | 6,220 |
| Cost of funding earning assets | 0.0186% | 6,305 |
| Net interest margin | 2.2674% | 6,117 |
| Noninterest income to average assets | 0.9101% | 1,412 |
| Noninterest expense to average assets | 0.3451% | 6,335 |
| Loan and lease loss provision to assets | -0.0064% | 5,953 |
| Net operating income to assets | 1.9414% | 405 |
| Return on assets (ROA) | 2.2433% | 253 |
| Pretax return on assets | 3.1049% | 126 |
| Return on Equity (ROE) | 16.1331% | 600 |
| Retained earnings to average equity (ytd only) | -1.3337% | 5,745 |
| Net charge-offs to loans | -0.0000% | 4,537 |
| Credit loss provision to net charge-offs | 28,900.0000% | 11 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.4104% | 6,336 |
| Assets per employee ($millions) | 123.2902% | 15 |
| Cash dividends to net income (ytd only)* | 108.2667% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0104% | 6,286 |
| Loan loss allowance to noncurrent loans | 73.5115% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 5,862 |
| Noncurrent loans to loans | 0.0142% | 5,708 |
| Net loans and leases to total assets | 64.4827% | 3,197 |
| Net loans and leases to deposits | 76.4704% | 3,214 |
| Net loans and leases to core deposits | 87.7570% | 2,575 |
| Total domestic deposits to total assets | 84.3237% | 3,434 |
| Equity capital to assets | 13.8759% | 1,023 |
| Core capital (leverage) ratio | 13.8580% | 883 |
| Tier 1 risk-based capital ratio | 30.2784% | 529 |
| Total risk-based capital ratio | 30.2958% | 580 |
| Memoranda: | ||
| Average total assets | $9,058,197,000 | 124 |
| Average earning assets | $8,445,819,670 | 123 |
| Average equity | $1,259,535,670 | 116 |
| Average total loans | $5,385,259,330 | 138 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1165% | 6,323 |
| Cost of funding earning assets | 0.0191% | 6,377 |
| Net interest margin | 2.0974% | 6,249 |
| Noninterest income to average assets | 0.7605% | 1,862 |
| Noninterest expense to average assets | 0.3310% | 6,409 |
| Loan and lease loss provision to assets | -0.0025% | 6,075 |
| Net operating income to assets | 1.7765% | 506 |
| Return on assets (ROA) | 1.7765% | 532 |
| Pretax return on assets | 2.3851% | 284 |
| Return on Equity (ROE) | 12.7627% | 1,145 |
| Retained earnings to average equity (ytd only) | -6.2115% | 6,001 |
| Net charge-offs to loans | -0.0001% | 4,308 |
| Credit loss provision to net charge-offs | 5,600.0000% | 71 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.1969% | 6,404 |
| Assets per employee ($millions) | 123.0756% | 15 |
| Cash dividends to net income (ytd only)* | 148.6694% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0177% | 6,360 |
| Loan loss allowance to noncurrent loans | 127.5495% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 5,928 |
| Noncurrent loans to loans | 0.0139% | 5,746 |
| Net loans and leases to total assets | 52.0179% | 4,663 |
| Net loans and leases to deposits | 61.8493% | 4,583 |
| Net loans and leases to core deposits | 71.3001% | 4,034 |
| Total domestic deposits to total assets | 84.1043% | 3,782 |
| Equity capital to assets | 13.7554% | 1,070 |
| Core capital (leverage) ratio | 13.5633% | 953 |
| Tier 1 risk-based capital ratio | 30.4305% | 520 |
| Total risk-based capital ratio | 30.4579% | 570 |
| Memoranda: | ||
| Average total assets | $9,087,202,500 | 124 |
| Average earning assets | $8,461,868,000 | 121 |
| Average equity | $1,264,876,500 | 114 |
| Average total loans | $5,175,806,000 | 142 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4728% | 338 |
| Cost of funding earning assets | 0.0172% | 6,470 |
| Net interest margin | 5.4556% | 143 |
| Noninterest income to average assets | 3.3998% | 169 |
| Noninterest expense to average assets | 0.5599% | 6,482 |
| Loan and lease loss provision to assets | 0.4559% | 365 |
| Net operating income to assets | 5.0551% | 42 |
| Return on assets (ROA) | 4.3794% | 49 |
| Pretax return on assets | 6.5085% | 41 |
| Return on Equity (ROE) | 34.6276% | 37 |
| Retained earnings to average equity (ytd only) | 0.5311% | 5,532 |
| Net charge-offs to loans | 2.3459% | 65 |
| Credit loss provision to net charge-offs | 45.8778% | 3,574 |
| Earnings coverage of net charge-offs (x) | 8.0236% | 2,935 |
| Efficiency ratio | 6.5620% | 6,504 |
| Assets per employee ($millions) | 122.5245% | 13 |
| Cash dividends to net income (ytd only)* | 98.4664% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0159% | 6,448 |
| Loan loss allowance to noncurrent loans | 123.0028% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 6,045 |
| Noncurrent loans to loans | 0.0129% | 5,858 |
| Net loans and leases to total assets | 61.8994% | 3,513 |
| Net loans and leases to deposits | 73.1335% | 3,537 |
| Net loans and leases to core deposits | 83.8981% | 2,911 |
| Total domestic deposits to total assets | 84.6389% | 3,443 |
| Equity capital to assets | 14.0839% | 928 |
| Core capital (leverage) ratio | 13.4993% | 968 |
| Tier 1 risk-based capital ratio | 33.4995% | 381 |
| Total risk-based capital ratio | 33.5306% | 414 |
| Memoranda: | ||
| Average total assets | $12,058,802,200 | 101 |
| Average earning assets | $11,345,837,600 | 99 |
| Average equity | $1,525,082,600 | 99 |
| Average total loans | $5,107,956,600 | 136 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5441% | 87 |
| Cost of funding earning assets | 0.0152% | 6,553 |
| Net interest margin | 6.5289% | 61 |
| Noninterest income to average assets | 4.1519% | 142 |
| Noninterest expense to average assets | 0.6071% | 6,567 |
| Loan and lease loss provision to assets | 0.5651% | 249 |
| Net operating income to assets | 6.1024% | 31 |
| Return on assets (ROA) | 5.2540% | 42 |
| Pretax return on assets | 7.8667% | 36 |
| Return on Equity (ROE) | 42.3959% | 25 |
| Retained earnings to average equity (ytd only) | 23.9142% | 39 |
| Net charge-offs to loans | 3.2070% | 31 |
| Credit loss provision to net charge-offs | 45.2981% | 3,194 |
| Earnings coverage of net charge-offs (x) | 7.7741% | 2,899 |
| Efficiency ratio | 5.8912% | 6,584 |
| Assets per employee ($millions) | 120.6000% | 12 |
| Cash dividends to net income (ytd only)* | 43.5932% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6538% | 6,163 |
| Loan loss allowance to noncurrent loans | 25.4453% | 5,841 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 6,152 |
| Noncurrent loans to loans | 2.5694% | 1,128 |
| Net loans and leases to total assets | 0.3500% | 6,551 |
| Net loans and leases to deposits | 0.4404% | 6,552 |
| Net loans and leases to core deposits | 0.5103% | 6,539 |
| Total domestic deposits to total assets | 79.4795% | 5,231 |
| Equity capital to assets | 17.8788% | 347 |
| Core capital (leverage) ratio | 10.9866% | 2,503 |
| Tier 1 risk-based capital ratio | 72.3120% | 68 |
| Total risk-based capital ratio | 72.3331% | 69 |
| Memoranda: | ||
| Average total assets | $12,806,799,500 | 99 |
| Average earning assets | $12,069,852,750 | 96 |
| Average equity | $1,587,112,000 | 95 |
| Average total loans | $4,981,647,750 | 139 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5928% | 87 |
| Cost of funding earning assets | 0.0149% | 6,617 |
| Net interest margin | 6.5778% | 60 |
| Noninterest income to average assets | 0.5077% | 3,422 |
| Noninterest expense to average assets | 0.5923% | 6,629 |
| Loan and lease loss provision to assets | 0.4372% | 376 |
| Net operating income to assets | 3.8255% | 64 |
| Return on assets (ROA) | 4.0617% | 62 |
| Pretax return on assets | 6.0502% | 48 |
| Return on Equity (ROE) | 36.0300% | 38 |
| Retained earnings to average equity (ytd only) | 8.5071% | 1,145 |
| Net charge-offs to loans | 2.7443% | 64 |
| Credit loss provision to net charge-offs | 34.0659% | 3,001 |
| Earnings coverage of net charge-offs (x) | 4.7802% | 3,047 |
| Efficiency ratio | 8.8050% | 6,650 |
| Assets per employee ($millions) | 205.7671% | 10 |
| Cash dividends to net income (ytd only)* | 76.3889% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7457% | 204 |
| Loan loss allowance to noncurrent loans | 512.2449% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.3262% | 5,073 |
| Noncurrent loans to loans | 0.7312% | 3,869 |
| Net loans and leases to total assets | 42.9399% | 5,612 |
| Net loans and leases to deposits | 48.7602% | 5,725 |
| Net loans and leases to core deposits | 52.4092% | 5,645 |
| Total domestic deposits to total assets | 88.0634% | 1,868 |
| Equity capital to assets | 11.3574% | 2,548 |
| Core capital (leverage) ratio | 11.6656% | 1,876 |
| Tier 1 risk-based capital ratio | 20.4042% | 1,590 |
| Total risk-based capital ratio | 21.6708% | 1,554 |
| Memoranda: | ||
| Average total assets | $14,181,333,330 | 93 |
| Average earning assets | $13,408,666,670 | 88 |
| Average equity | $1,598,666,670 | 92 |
| Average total loans | $6,632,000,000 | 111 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7875% | 79 |
| Cost of funding earning assets | 0.0000% | 6,699 |
| Net interest margin | 6.7875% | 52 |
| Noninterest income to average assets | 0.5232% | 3,245 |
| Noninterest expense to average assets | 0.6104% | 6,711 |
| Loan and lease loss provision to assets | 0.3197% | 575 |
| Net operating income to assets | 4.0295% | 65 |
| Return on assets (ROA) | 4.2437% | 61 |
| Pretax return on assets | 6.3075% | 47 |
| Return on Equity (ROE) | 37.7994% | 37 |
| Retained earnings to average equity (ytd only) | 9.3204% | 1,155 |
| Net charge-offs to loans | 2.7889% | 74 |
| Credit loss provision to net charge-offs | 23.9130% | 2,462 |
| Earnings coverage of net charge-offs (x) | 4.7174% | 2,487 |
| Efficiency ratio | 8.8235% | 6,723 |
| Assets per employee ($millions) | 195.9324% | 10 |
| Cash dividends to net income (ytd only)* | 75.3425% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1913% | 164 |
| Loan loss allowance to noncurrent loans | 530.7692% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.3586% | 5,088 |
| Noncurrent loans to loans | 0.7897% | 3,896 |
| Net loans and leases to total assets | 43.5133% | 5,555 |
| Net loans and leases to deposits | 49.3739% | 5,641 |
| Net loans and leases to core deposits | 53.5251% | 5,531 |
| Total domestic deposits to total assets | 88.1302% | 2,151 |
| Equity capital to assets | 11.0008% | 2,709 |
| Core capital (leverage) ratio | 12.4747% | 1,398 |
| Tier 1 risk-based capital ratio | 18.8634% | 2,008 |
| Total risk-based capital ratio | 20.1866% | 1,946 |
| Memoranda: | ||
| Average total assets | $13,761,500,000 | 93 |
| Average earning assets | $12,965,000,000 | 90 |
| Average equity | $1,545,000,000 | 93 |
| Average total loans | $6,597,500,000 | 113 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1039% | 147 |
| Cost of funding earning assets | 0.0214% | 6,773 |
| Net interest margin | 6.0825% | 79 |
| Noninterest income to average assets | 0.5296% | 3,555 |
| Noninterest expense to average assets | 0.6247% | 6,781 |
| Loan and lease loss provision to assets | 1.2358% | 127 |
| Net operating income to assets | 3.0279% | 107 |
| Return on assets (ROA) | 3.0557% | 106 |
| Pretax return on assets | 4.4884% | 64 |
| Return on Equity (ROE) | 28.2699% | 84 |
| Retained earnings to average equity (ytd only) | 8.1669% | 1,000 |
| Net charge-offs to loans | 3.2033% | 72 |
| Credit loss provision to net charge-offs | 88.7805% | 2,797 |
| Earnings coverage of net charge-offs (x) | 4.0829% | 3,679 |
| Efficiency ratio | 9.9031% | 6,804 |
| Assets per employee ($millions) | 173.6533% | 11 |
| Cash dividends to net income (ytd only)* | 71.1111% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7050% | 111 |
| Loan loss allowance to noncurrent loans | 575.9259% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.4146% | 5,007 |
| Noncurrent loans to loans | 0.8169% | 3,932 |
| Net loans and leases to total assets | 48.3646% | 5,254 |
| Net loans and leases to deposits | 58.8527% | 5,052 |
| Net loans and leases to core deposits | 62.3910% | 5,024 |
| Total domestic deposits to total assets | 82.1791% | 4,813 |
| Equity capital to assets | 11.4788% | 2,182 |
| Core capital (leverage) ratio | 11.7687% | 1,779 |
| Tier 1 risk-based capital ratio | 20.8520% | 1,451 |
| Total risk-based capital ratio | 22.2324% | 1,405 |
| Memoranda: | ||
| Average total assets | $14,726,800,000 | 81 |
| Average earning assets | $13,991,000,000 | 79 |
| Average equity | $1,591,800,000 | 89 |
| Average total loans | $6,399,600,000 | 110 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8473% | 223 |
| Cost of funding earning assets | 0.0277% | 6,848 |
| Net interest margin | 5.8195% | 97 |
| Noninterest income to average assets | 0.5192% | 3,679 |
| Noninterest expense to average assets | 0.5719% | 6,860 |
| Loan and lease loss provision to assets | 1.1087% | 133 |
| Net operating income to assets | 2.9681% | 113 |
| Return on assets (ROA) | 2.9741% | 113 |
| Pretax return on assets | 4.3908% | 64 |
| Return on Equity (ROE) | 27.8871% | 87 |
| Retained earnings to average equity (ytd only) | 10.5608% | 673 |
| Net charge-offs to loans | 3.4031% | 60 |
| Credit loss provision to net charge-offs | 77.7778% | 2,898 |
| Earnings coverage of net charge-offs (x) | 3.8519% | 3,599 |
| Efficiency ratio | 9.4340% | 6,883 |
| Assets per employee ($millions) | 189.5658% | 12 |
| Cash dividends to net income (ytd only)* | 62.1302% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6237% | 150 |
| Loan loss allowance to noncurrent loans | 584.3137% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 5,348 |
| Noncurrent loans to loans | 0.7913% | 4,263 |
| Net loans and leases to total assets | 42.6668% | 5,846 |
| Net loans and leases to deposits | 48.0948% | 5,960 |
| Net loans and leases to core deposits | 50.5593% | 5,981 |
| Total domestic deposits to total assets | 88.7138% | 1,716 |
| Equity capital to assets | 10.8836% | 2,880 |
| Core capital (leverage) ratio | 10.9019% | 2,569 |
| Tier 1 risk-based capital ratio | 20.5670% | 1,587 |
| Total risk-based capital ratio | 21.9063% | 1,541 |
| Memoranda: | ||
| Average total assets | $15,152,500,000 | 82 |
| Average earning assets | $14,433,750,000 | 75 |
| Average equity | $1,616,000,000 | 86 |
| Average total loans | $6,347,000,000 | 110 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6601% | 294 |
| Cost of funding earning assets | 0.0272% | 6,898 |
| Net interest margin | 5.6329% | 115 |
| Noninterest income to average assets | 0.5194% | 3,700 |
| Noninterest expense to average assets | 0.5584% | 6,913 |
| Loan and lease loss provision to assets | 0.9480% | 202 |
| Net operating income to assets | 2.9780% | 115 |
| Return on assets (ROA) | 2.9868% | 118 |
| Pretax return on assets | 4.4023% | 71 |
| Return on Equity (ROE) | 28.1863% | 85 |
| Retained earnings to average equity (ytd only) | 12.2549% | 453 |
| Net charge-offs to loans | 3.5158% | 76 |
| Credit loss provision to net charge-offs | 65.7658% | 2,919 |
| Earnings coverage of net charge-offs (x) | 3.7027% | 3,328 |
| Efficiency ratio | 9.4714% | 6,928 |
| Assets per employee ($millions) | 223.4848% | 9 |
| Cash dividends to net income (ytd only)* | 56.5217% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6658% | 153 |
| Loan loss allowance to noncurrent loans | 548.1481% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 5,391 |
| Noncurrent loans to loans | 0.8512% | 4,219 |
| Net loans and leases to total assets | 41.0034% | 5,967 |
| Net loans and leases to deposits | 46.2491% | 6,089 |
| Net loans and leases to core deposits | 48.6291% | 6,100 |
| Total domestic deposits to total assets | 88.6576% | 1,802 |
| Equity capital to assets | 10.4610% | 3,355 |
| Core capital (leverage) ratio | 11.0835% | 2,279 |
| Tier 1 risk-based capital ratio | 20.2528% | 1,667 |
| Total risk-based capital ratio | 21.6054% | 1,619 |
| Memoranda: | ||
| Average total assets | $15,401,000,000 | 78 |
| Average earning assets | $14,699,333,330 | 74 |
| Average equity | $1,632,000,000 | 85 |
| Average total loans | $6,314,333,330 | 109 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4782% | 383 |
| Cost of funding earning assets | 0.0266% | 6,980 |
| Net interest margin | 5.4516% | 132 |
| Noninterest income to average assets | 0.5087% | 3,716 |
| Noninterest expense to average assets | 0.5596% | 6,992 |
| Loan and lease loss provision to assets | 0.8139% | 263 |
| Net operating income to assets | 2.9504% | 110 |
| Return on assets (ROA) | 2.9504% | 116 |
| Pretax return on assets | 4.3493% | 73 |
| Return on Equity (ROE) | 27.6767% | 94 |
| Retained earnings to average equity (ytd only) | 15.7471% | 301 |
| Net charge-offs to loans | 3.4288% | 94 |
| Credit loss provision to net charge-offs | 59.2593% | 2,467 |
| Earnings coverage of net charge-offs (x) | 3.7593% | 2,683 |
| Efficiency ratio | 9.7778% | 7,007 |
| Assets per employee ($millions) | 221.7879% | 11 |
| Cash dividends to net income (ytd only)* | 43.1034% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9936% | 136 |
| Loan loss allowance to noncurrent loans | 503.2258% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.4236% | 5,338 |
| Noncurrent loans to loans | 0.9923% | 4,143 |
| Net loans and leases to total assets | 40.5520% | 5,952 |
| Net loans and leases to deposits | 46.4439% | 6,030 |
| Net loans and leases to core deposits | 49.0579% | 6,030 |
| Total domestic deposits to total assets | 87.3138% | 2,748 |
| Equity capital to assets | 11.5316% | 2,381 |
| Core capital (leverage) ratio | 10.8189% | 2,435 |
| Tier 1 risk-based capital ratio | 20.3673% | 1,681 |
| Total risk-based capital ratio | 21.6940% | 1,639 |
| Memoranda: | ||
| Average total assets | $15,726,500,000 | 78 |
| Average earning assets | $15,041,500,000 | 74 |
| Average equity | $1,676,500,000 | 82 |
| Average total loans | $6,299,500,000 | 109 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3736% | 799 |
| Cost of funding earning assets | 0.0579% | 7,028 |
| Net interest margin | 5.3158% | 231 |
| Noninterest income to average assets | 0.3992% | 4,614 |
| Noninterest expense to average assets | 0.8537% | 7,029 |
| Loan and lease loss provision to assets | 1.7749% | 145 |
| Net operating income to assets | 1.9753% | 371 |
| Return on assets (ROA) | 1.9837% | 402 |
| Pretax return on assets | 2.8620% | 160 |
| Return on Equity (ROE) | 20.3606% | 291 |
| Retained earnings to average equity (ytd only) | 4.2864% | 3,205 |
| Net charge-offs to loans | 2.8266% | 196 |
| Credit loss provision to net charge-offs | 99.3127% | 3,119 |
| Earnings coverage of net charge-offs (x) | 2.5876% | 4,126 |
| Efficiency ratio | 15.5830% | 7,063 |
| Assets per employee ($millions) | 258.6923% | 9 |
| Cash dividends to net income (ytd only)* | 78.9474% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2590% | 111 |
| Loan loss allowance to noncurrent loans | 538.7097% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.3687% | 5,592 |
| Noncurrent loans to loans | 0.9762% | 4,238 |
| Net loans and leases to total assets | 35.7835% | 6,446 |
| Net loans and leases to deposits | 48.9784% | 6,037 |
| Net loans and leases to core deposits | 52.1313% | 6,007 |
| Total domestic deposits to total assets | 73.0598% | 6,618 |
| Equity capital to assets | 9.9019% | 4,310 |
| Core capital (leverage) ratio | 9.4068% | 4,246 |
| Tier 1 risk-based capital ratio | 18.5056% | 2,101 |
| Total risk-based capital ratio | 19.8075% | 2,053 |
| Memoranda: | ||
| Average total assets | $16,282,400,000 | 70 |
| Average earning assets | $15,557,400,000 | 67 |
| Average equity | $1,586,400,000 | 85 |
| Average total loans | $10,295,000,000 | 76 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3645% | 896 |
| Cost of funding earning assets | 0.0606% | 7,136 |
| Net interest margin | 5.3040% | 241 |
| Noninterest income to average assets | 0.3963% | 4,666 |
| Noninterest expense to average assets | 0.8586% | 7,136 |
| Loan and lease loss provision to assets | 1.8411% | 146 |
| Net operating income to assets | 1.9344% | 421 |
| Return on assets (ROA) | 1.9402% | 478 |
| Pretax return on assets | 2.7658% | 198 |
| Return on Equity (ROE) | 19.9984% | 328 |
| Retained earnings to average equity (ytd only) | 4.6805% | 3,603 |
| Net charge-offs to loans | 2.6238% | 232 |
| Credit loss provision to net charge-offs | 100.4505% | 2,945 |
| Earnings coverage of net charge-offs (x) | 2.5090% | 4,037 |
| Efficiency ratio | 15.7337% | 7,163 |
| Assets per employee ($millions) | 271.3492% | 10 |
| Cash dividends to net income (ytd only)* | 76.5957% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9905% | 720 |
| Loan loss allowance to noncurrent loans | 39.2317% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 5.0249% | 888 |
| Noncurrent loans to loans | 7.6227% | 436 |
| Net loans and leases to total assets | 63.9485% | 3,032 |
| Net loans and leases to deposits | 76.8939% | 2,834 |
| Net loans and leases to core deposits | 80.9178% | 3,096 |
| Total domestic deposits to total assets | 83.1647% | 4,573 |
| Equity capital to assets | 9.6402% | 5,009 |
| Core capital (leverage) ratio | 9.1430% | 4,843 |
| Tier 1 risk-based capital ratio | 17.6125% | 2,493 |
| Total risk-based capital ratio | 18.8953% | 2,451 |
| Memoranda: | ||
| Average total assets | $16,149,250,000 | 73 |
| Average earning assets | $15,409,500,000 | 69 |
| Average equity | $1,566,750,000 | 87 |
| Average total loans | $11,281,000,000 | 68 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4208% | 835 |
| Cost of funding earning assets | 0.0661% | 7,198 |
| Net interest margin | 5.3547% | 226 |
| Noninterest income to average assets | 0.4168% | 4,530 |
| Noninterest expense to average assets | 0.8715% | 7,204 |
| Loan and lease loss provision to assets | 2.3241% | 98 |
| Net operating income to assets | 1.6673% | 722 |
| Return on assets (ROA) | 1.6673% | 808 |
| Pretax return on assets | 2.3367% | 387 |
| Return on Equity (ROE) | 17.1466% | 620 |
| Retained earnings to average equity (ytd only) | 0.2598% | 5,957 |
| Net charge-offs to loans | 2.7825% | 225 |
| Credit loss provision to net charge-offs | 117.1975% | 2,346 |
| Earnings coverage of net charge-offs (x) | 2.3503% | 3,831 |
| Efficiency ratio | 15.7534% | 7,223 |
| Assets per employee ($millions) | 245.9692% | 11 |
| Cash dividends to net income (ytd only)* | 98.4848% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2339% | 624 |
| Loan loss allowance to noncurrent loans | 45.5458% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 4.9850% | 959 |
| Noncurrent loans to loans | 7.1002% | 543 |
| Net loans and leases to total assets | 67.9385% | 2,295 |
| Net loans and leases to deposits | 76.3478% | 2,937 |
| Net loans and leases to core deposits | 80.4176% | 3,158 |
| Total domestic deposits to total assets | 88.9855% | 1,511 |
| Equity capital to assets | 9.7135% | 4,742 |
| Core capital (leverage) ratio | 9.1077% | 4,751 |
| Tier 1 risk-based capital ratio | 14.6345% | 4,014 |
| Total risk-based capital ratio | 15.9292% | 3,942 |
| Memoranda: | ||
| Average total assets | $15,834,000,000 | 73 |
| Average earning assets | $15,127,000,000 | 70 |
| Average equity | $1,539,666,670 | 88 |
| Average total loans | $11,285,000,000 | 68 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5185% | 732 |
| Cost of funding earning assets | 0.0531% | 7,272 |
| Net interest margin | 5.4655% | 195 |
| Noninterest income to average assets | 0.4316% | 4,442 |
| Noninterest expense to average assets | 0.9139% | 7,263 |
| Loan and lease loss provision to assets | 1.5993% | 213 |
| Net operating income to assets | 2.1908% | 299 |
| Return on assets (ROA) | 2.2085% | 341 |
| Pretax return on assets | 3.1732% | 161 |
| Return on Equity (ROE) | 22.7006% | 251 |
| Retained earnings to average equity (ytd only) | -3.3920% | 6,438 |
| Net charge-offs to loans | 2.8281% | 268 |
| Credit loss provision to net charge-offs | 78.7500% | 2,743 |
| Earnings coverage of net charge-offs (x) | 2.3375% | 3,239 |
| Efficiency ratio | 16.1435% | 7,284 |
| Assets per employee ($millions) | 241.3692% | 12 |
| Cash dividends to net income (ytd only)* | 114.9425% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8439% | 967 |
| Loan loss allowance to noncurrent loans | 41.2678% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 4.9270% | 1,068 |
| Noncurrent loans to loans | 6.8913% | 659 |
| Net loans and leases to total assets | 69.4627% | 1,844 |
| Net loans and leases to deposits | 77.8040% | 2,547 |
| Net loans and leases to core deposits | 82.4232% | 2,769 |
| Total domestic deposits to total assets | 89.2791% | 1,493 |
| Equity capital to assets | 9.8030% | 4,367 |
| Core capital (leverage) ratio | 9.2682% | 4,412 |
| Tier 1 risk-based capital ratio | 14.5873% | 4,029 |
| Total risk-based capital ratio | 15.8520% | 3,978 |
| Memoranda: | ||
| Average total assets | $15,757,000,000 | 73 |
| Average earning assets | $15,076,500,000 | 70 |
| Average equity | $1,533,000,000 | 88 |
| Average total loans | $11,315,000,000 | 68 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4270% | 1,346 |
| Cost of funding earning assets | 0.0728% | 7,320 |
| Net interest margin | 5.3542% | 219 |
| Noninterest income to average assets | 0.3949% | 4,654 |
| Noninterest expense to average assets | 0.8304% | 7,311 |
| Loan and lease loss provision to assets | 1.2891% | 638 |
| Net operating income to assets | 2.3576% | 170 |
| Return on assets (ROA) | 2.3576% | 177 |
| Pretax return on assets | 3.4029% | 97 |
| Return on Equity (ROE) | 25.1518% | 103 |
| Retained earnings to average equity (ytd only) | -3.6551% | 6,335 |
| Net charge-offs to loans | 3.7316% | 186 |
| Credit loss provision to net charge-offs | 51.0345% | 5,400 |
| Earnings coverage of net charge-offs (x) | 1.8575% | 4,381 |
| Efficiency ratio | 15.0368% | 7,341 |
| Assets per employee ($millions) | 239.7727% | 14 |
| Cash dividends to net income (ytd only)* | 114.5320% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9440% | 854 |
| Loan loss allowance to noncurrent loans | 45.4668% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 4.6698% | 1,172 |
| Noncurrent loans to loans | 6.4751% | 726 |
| Net loans and leases to total assets | 69.9968% | 2,029 |
| Net loans and leases to deposits | 85.0246% | 1,803 |
| Net loans and leases to core deposits | 90.4984% | 2,056 |
| Total domestic deposits to total assets | 82.3254% | 5,019 |
| Equity capital to assets | 9.6556% | 4,667 |
| Core capital (leverage) ratio | 8.4799% | 5,595 |
| Tier 1 risk-based capital ratio | 14.4552% | 4,001 |
| Total risk-based capital ratio | 15.7452% | 3,955 |
| Memoranda: | ||
| Average total assets | $17,220,800,000 | 70 |
| Average earning assets | $16,491,600,000 | 68 |
| Average equity | $1,614,200,000 | 81 |
| Average total loans | $11,657,200,000 | 64 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3655% | 1,622 |
| Cost of funding earning assets | 0.0713% | 7,396 |
| Net interest margin | 5.2941% | 248 |
| Noninterest income to average assets | 0.3870% | 4,759 |
| Noninterest expense to average assets | 0.8272% | 7,390 |
| Loan and lease loss provision to assets | 1.0700% | 778 |
| Net operating income to assets | 2.4587% | 167 |
| Return on assets (ROA) | 2.4587% | 174 |
| Pretax return on assets | 3.5591% | 105 |
| Return on Equity (ROE) | 26.4092% | 106 |
| Retained earnings to average equity (ytd only) | 3.9940% | 3,873 |
| Net charge-offs to loans | 3.9026% | 179 |
| Credit loss provision to net charge-offs | 41.1079% | 5,218 |
| Earnings coverage of net charge-offs (x) | 1.7784% | 4,325 |
| Efficiency ratio | 15.1599% | 7,413 |
| Assets per employee ($millions) | 277.4091% | 11 |
| Cash dividends to net income (ytd only)* | 84.8765% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0279% | 844 |
| Loan loss allowance to noncurrent loans | 49.5714% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 3.8233% | 1,618 |
| Noncurrent loans to loans | 6.1082% | 901 |
| Net loans and leases to total assets | 60.6969% | 4,005 |
| Net loans and leases to deposits | 67.6385% | 4,673 |
| Net loans and leases to core deposits | 70.9099% | 4,844 |
| Total domestic deposits to total assets | 89.7373% | 1,016 |
| Equity capital to assets | 8.9300% | 5,835 |
| Core capital (leverage) ratio | 8.4184% | 5,827 |
| Tier 1 risk-based capital ratio | 14.6600% | 3,858 |
| Total risk-based capital ratio | 15.9446% | 3,818 |
| Memoranda: | ||
| Average total assets | $17,569,750,000 | 67 |
| Average earning assets | $16,823,250,000 | 66 |
| Average equity | $1,635,750,000 | 80 |
| Average total loans | $11,718,250,000 | 64 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4696% | 1,364 |
| Cost of funding earning assets | 0.0724% | 7,468 |
| Net interest margin | 5.3971% | 212 |
| Noninterest income to average assets | 0.3810% | 4,834 |
| Noninterest expense to average assets | 0.8428% | 7,466 |
| Loan and lease loss provision to assets | 1.0737% | 777 |
| Net operating income to assets | 2.4937% | 167 |
| Return on assets (ROA) | 2.4937% | 173 |
| Pretax return on assets | 3.6252% | 110 |
| Return on Equity (ROE) | 26.4059% | 109 |
| Retained earnings to average equity (ytd only) | 11.1247% | 646 |
| Net charge-offs to loans | 4.1849% | 185 |
| Credit loss provision to net charge-offs | 37.6518% | 4,859 |
| Earnings coverage of net charge-offs (x) | 1.6478% | 4,055 |
| Efficiency ratio | 15.2083% | 7,486 |
| Assets per employee ($millions) | 273.6061% | 9 |
| Cash dividends to net income (ytd only)* | 57.8704% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4146% | 640 |
| Loan loss allowance to noncurrent loans | 71.9490% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 3.0457% | 2,208 |
| Noncurrent loans to loans | 4.7459% | 1,386 |
| Net loans and leases to total assets | 61.8729% | 3,908 |
| Net loans and leases to deposits | 70.6079% | 4,353 |
| Net loans and leases to core deposits | 74.2145% | 4,554 |
| Total domestic deposits to total assets | 87.4515% | 2,490 |
| Equity capital to assets | 9.2978% | 5,137 |
| Core capital (leverage) ratio | 9.1430% | 4,500 |
| Tier 1 risk-based capital ratio | 15.0069% | 3,491 |
| Total risk-based capital ratio | 16.2978% | 3,439 |
| Memoranda: | ||
| Average total assets | $17,323,333,330 | 71 |
| Average earning assets | $16,564,333,330 | 68 |
| Average equity | $1,636,000,000 | 82 |
| Average total loans | $11,804,333,330 | 66 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6874% | 904 |
| Cost of funding earning assets | 0.0739% | 7,534 |
| Net interest margin | 5.6135% | 139 |
| Noninterest income to average assets | 0.3774% | 4,897 |
| Noninterest expense to average assets | 0.9200% | 7,519 |
| Loan and lease loss provision to assets | 1.1795% | 598 |
| Net operating income to assets | 2.5242% | 173 |
| Return on assets (ROA) | 2.5242% | 179 |
| Pretax return on assets | 3.6565% | 116 |
| Return on Equity (ROE) | 26.5098% | 128 |
| Retained earnings to average equity (ytd only) | 26.5098% | 83 |
| Net charge-offs to loans | 4.5628% | 182 |
| Credit loss provision to net charge-offs | 36.7647% | 4,008 |
| Earnings coverage of net charge-offs (x) | 1.5074% | 3,579 |
| Efficiency ratio | 15.9836% | 7,544 |
| Assets per employee ($millions) | 258.6567% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9394% | 433 |
| Loan loss allowance to noncurrent loans | 83.2734% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 3.5314% | 1,932 |
| Noncurrent loans to loans | 4.7307% | 1,460 |
| Net loans and leases to total assets | 65.1471% | 3,213 |
| Net loans and leases to deposits | 74.4772% | 3,685 |
| Net loans and leases to core deposits | 79.4958% | 3,821 |
| Total domestic deposits to total assets | 86.2954% | 3,338 |
| Equity capital to assets | 9.6076% | 4,305 |
| Core capital (leverage) ratio | 9.7373% | 3,477 |
| Tier 1 risk-based capital ratio | 15.1909% | 3,326 |
| Total risk-based capital ratio | 16.4852% | 3,256 |
| Memoranda: | ||
| Average total assets | $16,956,000,000 | 70 |
| Average earning assets | $16,246,500,000 | 70 |
| Average equity | $1,614,500,000 | 82 |
| Average total loans | $11,922,500,000 | 66 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8372% | 1,183 |
| Cost of funding earning assets | 0.1097% | 7,582 |
| Net interest margin | 5.7275% | 128 |
| Noninterest income to average assets | 0.3898% | 4,980 |
| Noninterest expense to average assets | 0.9308% | 7,587 |
| Loan and lease loss provision to assets | 1.8441% | 743 |
| Net operating income to assets | 2.0729% | 249 |
| Return on assets (ROA) | 2.0651% | 262 |
| Pretax return on assets | 3.0715% | 111 |
| Return on Equity (ROE) | 25.6133% | 95 |
| Retained earnings to average equity (ytd only) | 25.6133% | 23 |
| Net charge-offs to loans | 5.3562% | 147 |
| Credit loss provision to net charge-offs | 46.0756% | 6,315 |
| Earnings coverage of net charge-offs (x) | 1.2311% | 4,875 |
| Efficiency ratio | 15.8888% | 7,632 |
| Assets per employee ($millions) | 271.8361% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5402% | 264 |
| Loan loss allowance to noncurrent loans | 147.5806% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 2.5992% | 2,681 |
| Noncurrent loans to loans | 3.0764% | 2,480 |
| Net loans and leases to total assets | 69.6116% | 2,632 |
| Net loans and leases to deposits | 84.8002% | 2,324 |
| Net loans and leases to core deposits | 90.6329% | 2,674 |
| Total domestic deposits to total assets | 81.2508% | 5,435 |
| Equity capital to assets | 9.4319% | 4,497 |
| Core capital (leverage) ratio | 8.5669% | 5,247 |
| Tier 1 risk-based capital ratio | 14.0392% | 3,847 |
| Total risk-based capital ratio | 15.3251% | 3,791 |
| Memoranda: | ||
| Average total assets | $17,190,400,000 | 68 |
| Average earning assets | $16,412,000,000 | 66 |
| Average equity | $1,386,000,000 | 89 |
| Average total loans | $12,845,000,000 | 63 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8516% | 1,251 |
| Cost of funding earning assets | 0.1128% | 7,701 |
| Net interest margin | 5.7388% | 128 |
| Noninterest income to average assets | 0.3921% | 5,023 |
| Noninterest expense to average assets | 0.8918% | 7,709 |
| Loan and lease loss provision to assets | 2.4602% | 436 |
| Net operating income to assets | 1.6914% | 630 |
| Return on assets (ROA) | 1.6914% | 685 |
| Pretax return on assets | 2.5140% | 224 |
| Return on Equity (ROE) | 21.8655% | 205 |
| Retained earnings to average equity (ytd only) | 21.8655% | 58 |
| Net charge-offs to loans | 5.5753% | 135 |
| Credit loss provision to net charge-offs | 58.7156% | 5,730 |
| Earnings coverage of net charge-offs (x) | 1.1872% | 4,880 |
| Efficiency ratio | 15.2031% | 7,739 |
| Assets per employee ($millions) | 310.6129% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4954% | 130 |
| Loan loss allowance to noncurrent loans | 187.8378% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 2.2173% | 3,175 |
| Noncurrent loans to loans | 2.9256% | 2,724 |
| Net loans and leases to total assets | 62.0625% | 4,521 |
| Net loans and leases to deposits | 69.4036% | 5,226 |
| Net loans and leases to core deposits | 77.4194% | 4,870 |
| Total domestic deposits to total assets | 83.9184% | 4,177 |
| Equity capital to assets | 7.5397% | 7,103 |
| Core capital (leverage) ratio | 7.1787% | 7,068 |
| Tier 1 risk-based capital ratio | 11.6805% | 5,745 |
| Total risk-based capital ratio | 12.9774% | 5,675 |
| Memoranda: | ||
| Average total assets | $17,342,500,000 | 68 |
| Average earning assets | $16,542,000,000 | 64 |
| Average equity | $1,341,500,000 | 93 |
| Average total loans | $13,033,250,000 | 62 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1257% | 717 |
| Cost of funding earning assets | 0.1130% | 7,773 |
| Net interest margin | 6.0127% | 92 |
| Noninterest income to average assets | 0.4071% | 4,851 |
| Noninterest expense to average assets | 0.9219% | 7,783 |
| Loan and lease loss provision to assets | 2.7419% | 389 |
| Net operating income to assets | 1.6643% | 629 |
| Return on assets (ROA) | 1.6643% | 676 |
| Pretax return on assets | 2.4784% | 241 |
| Return on Equity (ROE) | 21.3081% | 242 |
| Retained earnings to average equity (ytd only) | 21.3081% | 70 |
| Net charge-offs to loans | 5.9110% | 138 |
| Credit loss provision to net charge-offs | 58.8689% | 5,230 |
| Earnings coverage of net charge-offs (x) | 1.1208% | 4,667 |
| Efficiency ratio | 15.0097% | 7,804 |
| Assets per employee ($millions) | 298.2258% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9172% | 109 |
| Loan loss allowance to noncurrent loans | 195.8763% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 2.4013% | 2,996 |
| Noncurrent loans to loans | 3.0209% | 2,664 |
| Net loans and leases to total assets | 65.3542% | 3,974 |
| Net loans and leases to deposits | 74.1350% | 4,656 |
| Net loans and leases to core deposits | 82.8352% | 4,308 |
| Total domestic deposits to total assets | 82.6988% | 4,697 |
| Equity capital to assets | 7.3716% | 7,182 |
| Core capital (leverage) ratio | 7.4129% | 6,909 |
| Tier 1 risk-based capital ratio | 11.1255% | 6,120 |
| Total risk-based capital ratio | 15.7288% | 3,421 |
| Memoranda: | ||
| Average total assets | $16,704,000,000 | 70 |
| Average earning assets | $15,933,000,000 | 66 |
| Average equity | $1,304,666,670 | 96 |
| Average total loans | $13,162,000,000 | 60 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5099% | 353 |
| Cost of funding earning assets | 0.1063% | 7,878 |
| Net interest margin | 6.4036% | 77 |
| Noninterest income to average assets | 0.4301% | 4,662 |
| Noninterest expense to average assets | 0.9867% | 7,877 |
| Loan and lease loss provision to assets | 1.4673% | 805 |
| Net operating income to assets | 2.7070% | 116 |
| Return on assets (ROA) | 2.7070% | 122 |
| Pretax return on assets | 4.0731% | 73 |
| Return on Equity (ROE) | 33.5555% | 61 |
| Retained earnings to average equity (ytd only) | 33.5555% | 45 |
| Net charge-offs to loans | 6.3359% | 166 |
| Credit loss provision to net charge-offs | 27.4882% | 4,855 |
| Earnings coverage of net charge-offs (x) | 1.0379% | 4,147 |
| Efficiency ratio | 15.1163% | 7,910 |
| Assets per employee ($millions) | 280.6230% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8411% | 107 |
| Loan loss allowance to noncurrent loans | 192.2306% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 2.6522% | 2,745 |
| Noncurrent loans to loans | 3.0386% | 2,640 |
| Net loans and leases to total assets | 72.2281% | 2,403 |
| Net loans and leases to deposits | 82.7743% | 3,144 |
| Net loans and leases to core deposits | 92.1037% | 3,092 |
| Total domestic deposits to total assets | 81.3413% | 5,330 |
| Equity capital to assets | 7.7638% | 6,876 |
| Core capital (leverage) ratio | 8.1144% | 6,050 |
| Tier 1 risk-based capital ratio | 10.6938% | 6,450 |
| Total risk-based capital ratio | 15.2420% | 3,624 |
| Memoranda: | ||
| Average total assets | $15,811,000,000 | 70 |
| Average earning assets | $15,054,000,000 | 67 |
| Average equity | $1,275,500,000 | 95 |
| Average total loans | $13,321,000,000 | 59 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8656% | 339 |
| Cost of funding earning assets | 0.1365% | 7,952 |
| Net interest margin | 6.7292% | 58 |
| Noninterest income to average assets | 0.5005% | 4,409 |
| Noninterest expense to average assets | 1.1450% | 7,925 |
| Loan and lease loss provision to assets | 6.4246% | 88 |
| Net operating income to assets | -0.3908% | 6,067 |
| Return on assets (ROA) | -0.3908% | 6,058 |
| Pretax return on assets | -0.6445% | 6,136 |
| Return on Equity (ROE) | -5.4734% | 6,263 |
| Retained earnings to average equity (ytd only) | -5.4734% | 6,086 |
| Net charge-offs to loans | 6.4278% | 150 |
| Credit loss provision to net charge-offs | 104.9272% | 5,271 |
| Earnings coverage of net charge-offs (x) | 0.9440% | 5,166 |
| Efficiency ratio | 16.5347% | 7,986 |
| Assets per employee ($millions) | 213.2941% | 18 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8093% | 66 |
| Loan loss allowance to noncurrent loans | 230.0000% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 2.7579% | 2,531 |
| Noncurrent loans to loans | 2.9606% | 2,599 |
| Net loans and leases to total assets | 86.8105% | 230 |
| Net loans and leases to deposits | 100.5751% | 854 |
| Net loans and leases to core deposits | 111.6322% | 2,732 |
| Total domestic deposits to total assets | 78.9920% | 5,979 |
| Equity capital to assets | 8.4253% | 6,018 |
| Core capital (leverage) ratio | 7.2588% | 7,023 |
| Tier 1 risk-based capital ratio | 10.2423% | 6,644 |
| Total risk-based capital ratio | 14.9493% | 3,623 |
| Memoranda: | ||
| Average total assets | $14,584,600,000 | 74 |
| Average earning assets | $13,924,400,000 | 69 |
| Average equity | $1,041,400,000 | 109 |
| Average total loans | $13,892,800,000 | 58 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9103% | 348 |
| Cost of funding earning assets | 0.1434% | 8,045 |
| Net interest margin | 6.7670% | 60 |
| Noninterest income to average assets | 0.4838% | 4,632 |
| Noninterest expense to average assets | 1.1503% | 8,002 |
| Loan and lease loss provision to assets | 6.9200% | 74 |
| Net operating income to assets | -0.7030% | 6,606 |
| Return on assets (ROA) | -0.7030% | 6,621 |
| Pretax return on assets | -1.1229% | 6,778 |
| Return on Equity (ROE) | -10.3051% | 6,917 |
| Retained earnings to average equity (ytd only) | -10.3051% | 6,834 |
| Net charge-offs to loans | 6.2432% | 134 |
| Credit loss provision to net charge-offs | 115.7252% | 4,386 |
| Earnings coverage of net charge-offs (x) | 0.9695% | 5,092 |
| Efficiency ratio | 16.5572% | 8,066 |
| Assets per employee ($millions) | 238.7910% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1413% | 48 |
| Loan loss allowance to noncurrent loans | 249.7449% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 2.4502% | 2,807 |
| Noncurrent loans to loans | 2.8594% | 2,657 |
| Net loans and leases to total assets | 79.5675% | 1,269 |
| Net loans and leases to deposits | 90.2133% | 2,539 |
| Net loans and leases to core deposits | 100.6881% | 4,295 |
| Total domestic deposits to total assets | 79.8800% | 5,479 |
| Equity capital to assets | 7.4505% | 7,333 |
| Core capital (leverage) ratio | 7.1433% | 7,314 |
| Tier 1 risk-based capital ratio | 9.8405% | 7,099 |
| Total risk-based capital ratio | 14.4718% | 3,981 |
| Memoranda: | ||
| Average total assets | $14,604,750,000 | 78 |
| Average earning assets | $13,949,750,000 | 73 |
| Average equity | $996,250,000 | 119 |
| Average total loans | $13,988,250,000 | 59 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2060% | 235 |
| Cost of funding earning assets | 0.1483% | 8,137 |
| Net interest margin | 7.0578% | 50 |
| Noninterest income to average assets | 0.4950% | 4,488 |
| Noninterest expense to average assets | 1.2023% | 8,085 |
| Loan and lease loss provision to assets | 7.8076% | 73 |
| Net operating income to assets | -1.1315% | 7,074 |
| Return on assets (ROA) | -1.1315% | 7,080 |
| Pretax return on assets | -1.7822% | 7,211 |
| Return on Equity (ROE) | -17.1858% | 7,429 |
| Retained earnings to average equity (ytd only) | -17.1858% | 7,357 |
| Net charge-offs to loans | 6.1216% | 173 |
| Credit loss provision to net charge-offs | 128.0742% | 3,633 |
| Earnings coverage of net charge-offs (x) | 0.9884% | 4,794 |
| Efficiency ratio | 16.6341% | 8,154 |
| Assets per employee ($millions) | 212.7059% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1809% | 45 |
| Loan loss allowance to noncurrent loans | 264.4562% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 2.6065% | 2,471 |
| Noncurrent loans to loans | 2.7154% | 2,652 |
| Net loans and leases to total assets | 89.0971% | 179 |
| Net loans and leases to deposits | 99.8296% | 1,301 |
| Net loans and leases to core deposits | 113.6019% | 2,960 |
| Total domestic deposits to total assets | 79.3280% | 5,710 |
| Equity capital to assets | 7.3562% | 7,378 |
| Core capital (leverage) ratio | 7.1505% | 7,405 |
| Tier 1 risk-based capital ratio | 8.8282% | 7,779 |
| Total risk-based capital ratio | 13.4829% | 4,645 |
| Memoranda: | ||
| Average total assets | $14,140,000,000 | 86 |
| Average earning assets | $13,488,666,670 | 78 |
| Average equity | $931,000,000 | 126 |
| Average total loans | $14,081,333,330 | 62 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3654% | 202 |
| Cost of funding earning assets | 0.1804% | 8,184 |
| Net interest margin | 7.1850% | 49 |
| Noninterest income to average assets | 0.5151% | 4,184 |
| Noninterest expense to average assets | 1.0874% | 8,147 |
| Loan and lease loss provision to assets | 9.3289% | 52 |
| Net operating income to assets | -1.9745% | 7,654 |
| Return on assets (ROA) | -1.9745% | 7,652 |
| Pretax return on assets | -3.0620% | 7,770 |
| Return on Equity (ROE) | -31.9260% | 7,922 |
| Retained earnings to average equity (ytd only) | -31.9260% | 7,877 |
| Net charge-offs to loans | 5.6700% | 174 |
| Credit loss provision to net charge-offs | 162.1891% | 2,620 |
| Earnings coverage of net charge-offs (x) | 1.0896% | 4,212 |
| Efficiency ratio | 14.7860% | 8,200 |
| Assets per employee ($millions) | 202.1029% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1154% | 46 |
| Loan loss allowance to noncurrent loans | 268.3646% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 2.7141% | 2,093 |
| Noncurrent loans to loans | 2.6514% | 2,475 |
| Net loans and leases to total assets | 95.0811% | 15 |
| Net loans and leases to deposits | 110.8688% | 571 |
| Net loans and leases to core deposits | 127.4829% | 1,825 |
| Total domestic deposits to total assets | 75.5221% | 6,597 |
| Equity capital to assets | 6.1850% | 7,963 |
| Core capital (leverage) ratio | 5.8568% | 8,028 |
| Tier 1 risk-based capital ratio | 6.9396% | 8,101 |
| Total risk-based capital ratio | 11.5360% | 6,531 |
| Memoranda: | ||
| Average total assets | $13,978,000,000 | 88 |
| Average earning assets | $13,305,500,000 | 80 |
| Average equity | $864,500,000 | 131 |
| Average total loans | $14,180,000,000 | 62 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6006% | 93 |
| Cost of funding earning assets | 0.5714% | 8,181 |
| Net interest margin | 8.0292% | 38 |
| Noninterest income to average assets | 0.6086% | 3,785 |
| Noninterest expense to average assets | 1.0511% | 8,195 |
| Loan and lease loss provision to assets | 7.6761% | 31 |
| Net operating income to assets | -0.2420% | 6,669 |
| Return on assets (ROA) | -0.2420% | 6,516 |
| Pretax return on assets | -0.4426% | 6,595 |
| Return on Equity (ROE) | -3.2889% | 6,657 |
| Retained earnings to average equity (ytd only) | -40.4059% | 8,051 |
| Net charge-offs to loans | 3.8257% | 182 |
| Credit loss provision to net charge-offs | 203.2967% | 2,389 |
| Earnings coverage of net charge-offs (x) | 1.9158% | 5,110 |
| Efficiency ratio | 12.6878% | 8,275 |
| Assets per employee ($millions) | 205.9855% | 15 |
| Cash dividends to net income (ytd only)* | -1,128.5714% | 8,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1293% | 50 |
| Loan loss allowance to noncurrent loans | 275.4717% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 2.2444% | 2,170 |
| Noncurrent loans to loans | 2.2250% | 2,476 |
| Net loans and leases to total assets | 94.3925% | 26 |
| Net loans and leases to deposits | 142.9363% | 100 |
| Net loans and leases to core deposits | 170.2322% | 392 |
| Total domestic deposits to total assets | 56.2654% | 8,054 |
| Equity capital to assets | 6.1845% | 8,023 |
| Core capital (leverage) ratio | 5.8839% | 8,113 |
| Tier 1 risk-based capital ratio | 6.7318% | 8,194 |
| Total risk-based capital ratio | 11.4149% | 6,418 |
| Memoranda: | ||
| Average total assets | $14,460,400,000 | 84 |
| Average earning assets | $13,824,600,000 | 80 |
| Average equity | $1,064,200,000 | 111 |
| Average total loans | $14,271,800,000 | 62 |