Home > Zions Bancorporation, N.A. > Performance and Condition Ratios
Zions Bancorporation, N.A., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8993% | 2,277 |
| Cost of funding earning assets | 1.8640% | 1,132 |
| Net interest margin | 3.0353% | 3,213 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 2.3824% | 2,638 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 0.7736% | 2,968 |
| Return on assets (ROA) | 0.7733% | 2,942 |
| Pretax return on assets | 1.0078% | 2,666 |
| Return on Equity (ROE) | 12.9000% | 1,753 |
| Retained earnings to average equity (ytd only) | 7.6422% | 1,658 |
| Net charge-offs to loans | 0.0640% | 1,212 |
| Credit loss provision to net charge-offs | 407.6065% | 775 |
| Earnings coverage of net charge-offs (x) | 28.0609% | 1,668 |
| Efficiency ratio | 67.0610% | 2,226 |
| Assets per employee ($millions) | 9.0095% | 980 |
| Cash dividends to net income (ytd only)* | 40.7544% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 2,392 |
| Loan loss allowance to noncurrent loans | 303.7402% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 1,897 |
| Noncurrent loans to loans | 0.3895% | 1,816 |
| Net loans and leases to total assets | 65.5300% | 2,307 |
| Net loans and leases to deposits | 76.2372% | 2,431 |
| Net loans and leases to core deposits | 86.1979% | 2,295 |
| Total domestic deposits to total assets | 85.9600% | 2,032 |
| Equity capital to assets | 6.5254% | 4,102 |
| Core capital (leverage) ratio | 8.3378% | 4,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7785% | 2,313 |
| Memoranda: | ||
| Average total assets | $87,964,109,400 | 33 |
| Average earning assets | $80,942,376,600 | 33 |
| Average equity | $5,273,242,800 | 43 |
| Average total loans | $56,743,324,800 | 29 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8061% | 2,243 |
| Cost of funding earning assets | 1.7293% | 1,132 |
| Net interest margin | 3.0768% | 3,184 |
| Noninterest income to average assets | 0.7700% | 1,012 |
| Noninterest expense to average assets | 2.2919% | 2,819 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 0.8379% | 2,907 |
| Return on assets (ROA) | 0.8374% | 2,885 |
| Pretax return on assets | 1.1121% | 2,533 |
| Return on Equity (ROE) | 14.2800% | 1,584 |
| Retained earnings to average equity (ytd only) | 8.9775% | 1,694 |
| Net charge-offs to loans | 0.0644% | 1,020 |
| Credit loss provision to net charge-offs | 499.3991% | 635 |
| Earnings coverage of net charge-offs (x) | 31.8207% | 1,565 |
| Efficiency ratio | 63.3577% | 2,578 |
| Assets per employee ($millions) | 8.7409% | 1,028 |
| Cash dividends to net income (ytd only)* | 37.1391% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 2,383 |
| Loan loss allowance to noncurrent loans | 293.1014% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.2693% | 1,925 |
| Noncurrent loans to loans | 0.4084% | 1,810 |
| Net loans and leases to total assets | 64.4600% | 2,392 |
| Net loans and leases to deposits | 74.6059% | 2,520 |
| Net loans and leases to core deposits | 86.1288% | 2,183 |
| Total domestic deposits to total assets | 86.4000% | 2,067 |
| Equity capital to assets | 6.0900% | 3,958 |
| Core capital (leverage) ratio | 8.3317% | 4,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7602% | 2,363 |
| Memoranda: | ||
| Average total assets | $88,154,462,500 | 35 |
| Average earning assets | $81,102,161,250 | 34 |
| Average equity | $5,168,968,750 | 46 |
| Average total loans | $56,471,074,750 | 30 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6838% | 2,243 |
| Cost of funding earning assets | 1.5393% | 1,177 |
| Net interest margin | 3.1445% | 3,121 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 2.3061% | 2,787 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 0.8576% | 2,896 |
| Return on assets (ROA) | 0.8569% | 2,899 |
| Pretax return on assets | 1.1475% | 2,517 |
| Return on Equity (ROE) | 14.8000% | 1,510 |
| Retained earnings to average equity (ytd only) | 9.4296% | 1,568 |
| Net charge-offs to loans | 0.0476% | 1,034 |
| Credit loss provision to net charge-offs | 688.1190% | 529 |
| Earnings coverage of net charge-offs (x) | 44.7094% | 1,342 |
| Efficiency ratio | 62.7731% | 2,615 |
| Assets per employee ($millions) | 8.6341% | 1,033 |
| Cash dividends to net income (ytd only)* | 36.2943% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 2,737 |
| Loan loss allowance to noncurrent loans | 384.1331% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 2,208 |
| Noncurrent loans to loans | 0.2977% | 2,073 |
| Net loans and leases to total assets | 64.5400% | 2,330 |
| Net loans and leases to deposits | 75.7533% | 2,334 |
| Net loans and leases to core deposits | 87.6156% | 1,954 |
| Total domestic deposits to total assets | 85.2000% | 2,488 |
| Equity capital to assets | 6.0564% | 4,128 |
| Core capital (leverage) ratio | 8.0491% | 4,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5200% | 2,453 |
| Memoranda: | ||
| Average total assets | $88,449,575,000 | 35 |
| Average earning assets | $81,429,501,000 | 34 |
| Average equity | $5,120,401,333 | 47 |
| Average total loans | $56,316,945,333 | 30 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5048% | 2,303 |
| Cost of funding earning assets | 1.1740% | 1,523 |
| Net interest margin | 3.3308% | 2,794 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 2.2968% | 2,823 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 0.9197% | 2,791 |
| Return on assets (ROA) | 0.9175% | 2,754 |
| Pretax return on assets | 1.2669% | 2,264 |
| Return on Equity (ROE) | 16.2200% | 1,311 |
| Retained earnings to average equity (ytd only) | 10.8752% | 1,493 |
| Net charge-offs to loans | -0.0001% | 3,255 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.7413% | 2,855 |
| Assets per employee ($millions) | 8.8010% | 1,013 |
| Cash dividends to net income (ytd only)* | 32.9360% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0975% | 3,073 |
| Loan loss allowance to noncurrent loans | 357.8269% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 2,160 |
| Noncurrent loans to loans | 0.3067% | 2,047 |
| Net loans and leases to total assets | 62.9100% | 2,367 |
| Net loans and leases to deposits | 80.5084% | 1,780 |
| Net loans and leases to core deposits | 88.3628% | 1,720 |
| Total domestic deposits to total assets | 78.1400% | 3,993 |
| Equity capital to assets | 5.8535% | 4,252 |
| Core capital (leverage) ratio | 7.8060% | 4,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4208% | 2,595 |
| Memoranda: | ||
| Average total assets | $89,059,226,000 | 37 |
| Average earning assets | $82,028,937,500 | 37 |
| Average equity | $5,039,081,500 | 49 |
| Average total loans | $55,998,809,000 | 32 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2429% | 3,734 |
| Cost of funding earning assets | 0.2209% | 3,589 |
| Net interest margin | 3.0220% | 3,390 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 2.0848% | 3,341 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.0071% | 2,543 |
| Return on assets (ROA) | 1.0073% | 2,489 |
| Pretax return on assets | 1.2795% | 2,162 |
| Return on Equity (ROE) | 15.6500% | 1,112 |
| Retained earnings to average equity (ytd only) | 11.0122% | 885 |
| Net charge-offs to loans | 0.0749% | 897 |
| Credit loss provision to net charge-offs | 256.0470% | 989 |
| Earnings coverage of net charge-offs (x) | 32.1838% | 1,651 |
| Efficiency ratio | 59.5282% | 3,118 |
| Assets per employee ($millions) | 8.9644% | 932 |
| Cash dividends to net income (ytd only)* | 29.6205% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 3,183 |
| Loan loss allowance to noncurrent loans | 371.4217% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 2,340 |
| Noncurrent loans to loans | 0.2782% | 2,157 |
| Net loans and leases to total assets | 61.5200% | 2,491 |
| Net loans and leases to deposits | 76.8803% | 2,045 |
| Net loans and leases to core deposits | 78.4006% | 2,248 |
| Total domestic deposits to total assets | 80.0200% | 3,875 |
| Equity capital to assets | 5.4649% | 4,248 |
| Core capital (leverage) ratio | 7.6481% | 4,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0298% | 2,725 |
| Memoranda: | ||
| Average total assets | $90,025,762,200 | 38 |
| Average earning assets | $83,525,054,000 | 39 |
| Average equity | $5,795,433,800 | 45 |
| Average total loans | $52,847,343,000 | 35 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9787% | 3,920 |
| Cost of funding earning assets | 0.1114% | 4,186 |
| Net interest margin | 2.8672% | 3,575 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 2.0800% | 3,267 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.9208% | 2,789 |
| Return on assets (ROA) | 0.9210% | 2,756 |
| Pretax return on assets | 1.1728% | 2,479 |
| Return on Equity (ROE) | 13.7900% | 1,485 |
| Retained earnings to average equity (ytd only) | 9.3786% | 1,526 |
| Net charge-offs to loans | 0.1077% | 579 |
| Credit loss provision to net charge-offs | 165.8125% | 1,077 |
| Earnings coverage of net charge-offs (x) | 20.7064% | 1,700 |
| Efficiency ratio | 61.6957% | 2,869 |
| Assets per employee ($millions) | 8.9188% | 923 |
| Cash dividends to net income (ytd only)* | 31.9898% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0030% | 3,469 |
| Loan loss allowance to noncurrent loans | 316.0918% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.1935% | 2,313 |
| Noncurrent loans to loans | 0.3173% | 2,104 |
| Net loans and leases to total assets | 60.3600% | 2,463 |
| Net loans and leases to deposits | 70.2713% | 2,336 |
| Net loans and leases to core deposits | 70.7688% | 2,584 |
| Total domestic deposits to total assets | 85.8900% | 3,089 |
| Equity capital to assets | 5.3077% | 4,189 |
| Core capital (leverage) ratio | 7.5252% | 4,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9533% | 2,830 |
| Memoranda: | ||
| Average total assets | $90,145,973,000 | 39 |
| Average earning assets | $83,816,929,000 | 38 |
| Average equity | $6,020,917,500 | 47 |
| Average total loans | $52,143,823,250 | 36 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7544% | 4,060 |
| Cost of funding earning assets | 0.0607% | 4,521 |
| Net interest margin | 2.6937% | 3,708 |
| Noninterest income to average assets | 0.6873% | 1,396 |
| Noninterest expense to average assets | 2.0437% | 3,316 |
| Loan and lease loss provision to assets | 0.0185% | 2,270 |
| Net operating income to assets | 0.8944% | 2,604 |
| Return on assets (ROA) | 0.8948% | 2,579 |
| Pretax return on assets | 1.1361% | 2,282 |
| Return on Equity (ROE) | 12.5592% | 1,507 |
| Retained earnings to average equity (ytd only) | 8.4854% | 1,444 |
| Net charge-offs to loans | 0.0576% | 822 |
| Credit loss provision to net charge-offs | 68.7433% | 1,436 |
| Earnings coverage of net charge-offs (x) | 35.2497% | 1,319 |
| Efficiency ratio | 63.8812% | 2,783 |
| Assets per employee ($millions) | 8.8715% | 930 |
| Cash dividends to net income (ytd only)* | 32.4367% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9706% | 3,724 |
| Loan loss allowance to noncurrent loans | 245.4371% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 2,140 |
| Noncurrent loans to loans | 0.3954% | 1,945 |
| Net loans and leases to total assets | 59.1264% | 2,427 |
| Net loans and leases to deposits | 65.6497% | 2,576 |
| Net loans and leases to core deposits | 66.2759% | 2,796 |
| Total domestic deposits to total assets | 90.0635% | 1,686 |
| Equity capital to assets | 6.4153% | 4,052 |
| Core capital (leverage) ratio | 7.3952% | 4,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2723% | 2,736 |
| Memoranda: | ||
| Average total assets | $90,703,107,667 | 39 |
| Average earning assets | $84,531,618,000 | 38 |
| Average equity | $6,462,574,667 | 46 |
| Average total loans | $51,543,858,667 | 36 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5801% | 4,156 |
| Cost of funding earning assets | 0.0531% | 4,574 |
| Net interest margin | 2.5270% | 3,840 |
| Noninterest income to average assets | 0.6092% | 1,658 |
| Noninterest expense to average assets | 2.0109% | 3,400 |
| Loan and lease loss provision to assets | -0.1446% | 4,644 |
| Net operating income to assets | 0.8775% | 2,373 |
| Return on assets (ROA) | 0.8783% | 2,370 |
| Pretax return on assets | 1.1075% | 2,118 |
| Return on Equity (ROE) | 11.7683% | 1,386 |
| Retained earnings to average equity (ytd only) | 7.9319% | 1,604 |
| Net charge-offs to loans | 0.0472% | 821 |
| Credit loss provision to net charge-offs | -479.6121% | 3,126 |
| Earnings coverage of net charge-offs (x) | 36.7350% | 1,044 |
| Efficiency ratio | 67.6132% | 2,550 |
| Assets per employee ($millions) | 9.3712% | 803 |
| Cash dividends to net income (ytd only)* | 32.5988% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9327% | 3,949 |
| Loan loss allowance to noncurrent loans | 187.3473% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.2802% | 2,008 |
| Noncurrent loans to loans | 0.4979% | 1,780 |
| Net loans and leases to total assets | 55.7555% | 2,551 |
| Net loans and leases to deposits | 61.6967% | 2,740 |
| Net loans and leases to core deposits | 62.3362% | 2,940 |
| Total domestic deposits to total assets | 90.3702% | 1,345 |
| Equity capital to assets | 6.9068% | 4,254 |
| Core capital (leverage) ratio | 7.2692% | 4,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4983% | 2,776 |
| Memoranda: | ||
| Average total assets | $92,162,710,000 | 38 |
| Average earning assets | $86,200,755,000 | 38 |
| Average equity | $6,878,062,000 | 46 |
| Average total loans | $51,109,696,500 | 35 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7862% | 4,220 |
| Cost of funding earning assets | 0.0722% | 4,574 |
| Net interest margin | 2.7140% | 3,846 |
| Noninterest income to average assets | 0.8063% | 1,430 |
| Noninterest expense to average assets | 1.9998% | 3,677 |
| Loan and lease loss provision to assets | -0.3165% | 4,782 |
| Net operating income to assets | 1.2965% | 1,611 |
| Return on assets (ROA) | 1.2966% | 1,658 |
| Pretax return on assets | 1.6608% | 1,239 |
| Return on Equity (ROE) | 14.4396% | 1,079 |
| Retained earnings to average equity (ytd only) | 11.1036% | 683 |
| Net charge-offs to loans | 0.0108% | 2,155 |
| Credit loss provision to net charge-offs | -4,564.9238% | 4,157 |
| Earnings coverage of net charge-offs (x) | 207.4245% | 527 |
| Efficiency ratio | 59.7742% | 3,187 |
| Assets per employee ($millions) | 9.3134% | 837 |
| Cash dividends to net income (ytd only)* | 23.1032% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 3,714 |
| Loan loss allowance to noncurrent loans | 184.3922% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.2991% | 2,041 |
| Noncurrent loans to loans | 0.5466% | 1,756 |
| Net loans and leases to total assets | 54.0990% | 2,841 |
| Net loans and leases to deposits | 60.9017% | 2,999 |
| Net loans and leases to core deposits | 61.5629% | 3,202 |
| Total domestic deposits to total assets | 88.8301% | 1,603 |
| Equity capital to assets | 8.0067% | 4,358 |
| Core capital (leverage) ratio | 7.1576% | 4,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8377% | 2,693 |
| Memoranda: | ||
| Average total assets | $87,062,914,600 | 39 |
| Average earning assets | $81,406,624,200 | 38 |
| Average equity | $7,817,578,800 | 39 |
| Average total loans | $52,049,456,000 | 35 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8420% | 4,245 |
| Cost of funding earning assets | 0.0763% | 4,654 |
| Net interest margin | 2.7656% | 3,854 |
| Noninterest income to average assets | 0.7967% | 1,536 |
| Noninterest expense to average assets | 2.0141% | 3,626 |
| Loan and lease loss provision to assets | -0.4686% | 4,878 |
| Net operating income to assets | 1.4268% | 1,454 |
| Return on assets (ROA) | 1.4269% | 1,521 |
| Pretax return on assets | 1.8339% | 1,084 |
| Return on Equity (ROE) | 15.4360% | 1,055 |
| Retained earnings to average equity (ytd only) | 12.1170% | 816 |
| Net charge-offs to loans | 0.0131% | 1,840 |
| Credit loss provision to net charge-offs | -5,429.0923% | 4,140 |
| Earnings coverage of net charge-offs (x) | 169.8452% | 618 |
| Efficiency ratio | 59.5730% | 3,052 |
| Assets per employee ($millions) | 9.1594% | 843 |
| Cash dividends to net income (ytd only)* | 21.5015% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 3,944 |
| Loan loss allowance to noncurrent loans | 150.3630% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.3712% | 1,962 |
| Noncurrent loans to loans | 0.6441% | 1,699 |
| Net loans and leases to total assets | 56.9073% | 2,624 |
| Net loans and leases to deposits | 64.5228% | 2,793 |
| Net loans and leases to core deposits | 65.3006% | 3,013 |
| Total domestic deposits to total assets | 88.1973% | 1,719 |
| Equity capital to assets | 8.8036% | 3,997 |
| Core capital (leverage) ratio | 7.6392% | 4,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5747% | 2,521 |
| Memoranda: | ||
| Average total assets | $85,528,726,000 | 40 |
| Average earning assets | $79,868,088,750 | 40 |
| Average equity | $7,906,411,500 | 40 |
| Average total loans | $52,328,457,750 | 35 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8674% | 4,264 |
| Cost of funding earning assets | 0.0808% | 4,695 |
| Net interest margin | 2.7865% | 3,810 |
| Noninterest income to average assets | 0.8818% | 1,321 |
| Noninterest expense to average assets | 2.0403% | 3,575 |
| Loan and lease loss provision to assets | -0.6027% | 4,923 |
| Net operating income to assets | 1.5970% | 1,056 |
| Return on assets (ROA) | 1.5971% | 1,112 |
| Pretax return on assets | 2.0472% | 757 |
| Return on Equity (ROE) | 16.9952% | 782 |
| Retained earnings to average equity (ytd only) | 13.7406% | 589 |
| Net charge-offs to loans | 0.0251% | 1,441 |
| Credit loss provision to net charge-offs | -3,540.8879% | 3,931 |
| Earnings coverage of net charge-offs (x) | 91.9470% | 785 |
| Efficiency ratio | 58.5230% | 3,210 |
| Assets per employee ($millions) | 8.9656% | 871 |
| Cash dividends to net income (ytd only)* | 19.1499% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0388% | 3,681 |
| Loan loss allowance to noncurrent loans | 170.9904% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.3601% | 2,162 |
| Noncurrent loans to loans | 0.6075% | 1,887 |
| Net loans and leases to total assets | 58.4001% | 2,607 |
| Net loans and leases to deposits | 66.9198% | 2,732 |
| Net loans and leases to core deposits | 67.8753% | 2,971 |
| Total domestic deposits to total assets | 87.2689% | 2,185 |
| Equity capital to assets | 9.2107% | 3,597 |
| Core capital (leverage) ratio | 8.0400% | 4,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1639% | 2,302 |
| Memoranda: | ||
| Average total assets | $84,602,882,667 | 40 |
| Average earning assets | $79,028,769,000 | 39 |
| Average equity | $7,950,501,333 | 40 |
| Average total loans | $52,856,544,333 | 34 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8925% | 4,269 |
| Cost of funding earning assets | 0.0872% | 4,711 |
| Net interest margin | 2.8054% | 3,755 |
| Noninterest income to average assets | 0.8063% | 1,569 |
| Noninterest expense to average assets | 2.0886% | 3,461 |
| Loan and lease loss provision to assets | -0.6318% | 4,941 |
| Net operating income to assets | 1.5445% | 1,226 |
| Return on assets (ROA) | 1.5447% | 1,295 |
| Pretax return on assets | 1.9717% | 993 |
| Return on Equity (ROE) | 16.2680% | 968 |
| Retained earnings to average equity (ytd only) | 13.0404% | 905 |
| Net charge-offs to loans | 0.0623% | 908 |
| Credit loss provision to net charge-offs | -1,465.4598% | 3,463 |
| Earnings coverage of net charge-offs (x) | 33.4453% | 1,054 |
| Efficiency ratio | 60.8954% | 2,919 |
| Assets per employee ($millions) | 8.7917% | 890 |
| Cash dividends to net income (ytd only)* | 19.8400% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2063% | 2,900 |
| Loan loss allowance to noncurrent loans | 194.2970% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.3947% | 2,223 |
| Noncurrent loans to loans | 0.6209% | 2,012 |
| Net loans and leases to total assets | 62.1501% | 2,273 |
| Net loans and leases to deposits | 71.6322% | 2,348 |
| Net loans and leases to core deposits | 72.7622% | 2,637 |
| Total domestic deposits to total assets | 86.7628% | 2,417 |
| Equity capital to assets | 9.3197% | 3,369 |
| Core capital (leverage) ratio | 8.2672% | 4,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5258% | 2,075 |
| Memoranda: | ||
| Average total assets | $83,300,121,000 | 40 |
| Average earning assets | $77,851,213,000 | 40 |
| Average equity | $7,909,501,000 | 40 |
| Average total loans | $53,552,602,500 | 33 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3921% | 4,203 |
| Cost of funding earning assets | 0.2185% | 4,512 |
| Net interest margin | 3.1736% | 3,425 |
| Noninterest income to average assets | 0.7563% | 1,669 |
| Noninterest expense to average assets | 2.2969% | 3,406 |
| Loan and lease loss provision to assets | 0.5099% | 472 |
| Net operating income to assets | 0.7146% | 3,385 |
| Return on assets (ROA) | 0.7150% | 3,517 |
| Pretax return on assets | 0.8916% | 3,387 |
| Return on Equity (ROE) | 7.1007% | 3,172 |
| Retained earnings to average equity (ytd only) | 3.6892% | 2,986 |
| Net charge-offs to loans | 0.1998% | 865 |
| Credit loss provision to net charge-offs | 366.5141% | 1,534 |
| Earnings coverage of net charge-offs (x) | 10.0673% | 2,488 |
| Efficiency ratio | 62.1041% | 3,108 |
| Assets per employee ($millions) | 8.4190% | 908 |
| Cash dividends to net income (ytd only)* | 48.0440% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4499% | 1,777 |
| Loan loss allowance to noncurrent loans | 204.6077% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.4707% | 2,149 |
| Noncurrent loans to loans | 0.7086% | 1,924 |
| Net loans and leases to total assets | 64.7771% | 2,262 |
| Net loans and leases to deposits | 75.7752% | 2,303 |
| Net loans and leases to core deposits | 77.3994% | 2,605 |
| Total domestic deposits to total assets | 85.4860% | 2,579 |
| Equity capital to assets | 9.6785% | 3,432 |
| Core capital (leverage) ratio | 8.3407% | 4,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0731% | 2,210 |
| Memoranda: | ||
| Average total assets | $75,384,395,200 | 39 |
| Average earning assets | $69,870,296,200 | 39 |
| Average equity | $7,590,981,800 | 39 |
| Average total loans | $52,505,851,800 | 32 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5084% | 4,198 |
| Cost of funding earning assets | 0.2571% | 4,486 |
| Net interest margin | 3.2513% | 3,331 |
| Noninterest income to average assets | 0.7005% | 1,802 |
| Noninterest expense to average assets | 2.3726% | 3,209 |
| Loan and lease loss provision to assets | 0.8043% | 225 |
| Net operating income to assets | 0.4339% | 4,196 |
| Return on assets (ROA) | 0.4600% | 4,215 |
| Pretax return on assets | 0.5649% | 4,165 |
| Return on Equity (ROE) | 4.5200% | 4,023 |
| Retained earnings to average equity (ytd only) | 1.0929% | 4,226 |
| Net charge-offs to loans | 0.2279% | 671 |
| Credit loss provision to net charge-offs | 499.0480% | 1,291 |
| Earnings coverage of net charge-offs (x) | 8.2950% | 2,509 |
| Efficiency ratio | 63.9552% | 2,741 |
| Assets per employee ($millions) | 8.0573% | 972 |
| Cash dividends to net income (ytd only)* | 75.8215% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5561% | 1,214 |
| Loan loss allowance to noncurrent loans | 228.0258% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.4847% | 2,259 |
| Noncurrent loans to loans | 0.6824% | 2,086 |
| Net loans and leases to total assets | 68.8904% | 2,121 |
| Net loans and leases to deposits | 80.4553% | 2,272 |
| Net loans and leases to core deposits | 83.2531% | 2,559 |
| Total domestic deposits to total assets | 85.6258% | 2,209 |
| Equity capital to assets | 9.7867% | 3,444 |
| Core capital (leverage) ratio | 8.2969% | 4,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7475% | 2,304 |
| Memoranda: | ||
| Average total assets | $73,860,650,000 | 38 |
| Average earning assets | $68,356,084,750 | 39 |
| Average equity | $7,517,235,500 | 39 |
| Average total loans | $52,243,181,500 | 32 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6423% | 4,191 |
| Cost of funding earning assets | 0.3167% | 4,408 |
| Net interest margin | 3.3256% | 3,321 |
| Noninterest income to average assets | 0.6416% | 1,970 |
| Noninterest expense to average assets | 2.3824% | 3,299 |
| Loan and lease loss provision to assets | 1.1074% | 172 |
| Net operating income to assets | 0.1837% | 4,594 |
| Return on assets (ROA) | 0.2216% | 4,583 |
| Pretax return on assets | 0.2714% | 4,569 |
| Return on Equity (ROE) | 2.1476% | 4,504 |
| Retained earnings to average equity (ytd only) | -1.3216% | 4,520 |
| Net charge-offs to loans | 0.1472% | 982 |
| Credit loss provision to net charge-offs | 1,059.7328% | 761 |
| Earnings coverage of net charge-offs (x) | 12.7537% | 2,033 |
| Efficiency ratio | 64.1291% | 2,807 |
| Assets per employee ($millions) | 7.7541% | 1,060 |
| Cash dividends to net income (ytd only)* | 161.5390% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5566% | 1,110 |
| Loan loss allowance to noncurrent loans | 242.4727% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.4706% | 2,435 |
| Noncurrent loans to loans | 0.6420% | 2,261 |
| Net loans and leases to total assets | 71.1264% | 1,853 |
| Net loans and leases to deposits | 82.7814% | 2,112 |
| Net loans and leases to core deposits | 85.8725% | 2,448 |
| Total domestic deposits to total assets | 85.9207% | 2,044 |
| Equity capital to assets | 9.9084% | 3,278 |
| Core capital (leverage) ratio | 8.3753% | 4,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5038% | 2,396 |
| Memoranda: | ||
| Average total assets | $72,361,916,333 | 38 |
| Average earning assets | $66,875,141,333 | 39 |
| Average equity | $7,466,802,667 | 39 |
| Average total loans | $51,379,704,667 | 32 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8416% | 4,150 |
| Cost of funding earning assets | 0.4560% | 4,132 |
| Net interest margin | 3.3856% | 3,341 |
| Noninterest income to average assets | 0.6653% | 1,785 |
| Noninterest expense to average assets | 2.4205% | 3,494 |
| Loan and lease loss provision to assets | 1.3657% | 123 |
| Net operating income to assets | 0.0010% | 4,752 |
| Return on assets (ROA) | 0.0792% | 4,672 |
| Pretax return on assets | 0.0930% | 4,669 |
| Return on Equity (ROE) | 0.7516% | 4,659 |
| Retained earnings to average equity (ytd only) | -2.6916% | 4,323 |
| Net charge-offs to loans | 0.0534% | 1,476 |
| Credit loss provision to net charge-offs | 3,636.1557% | 219 |
| Earnings coverage of net charge-offs (x) | 36.3922% | 1,070 |
| Efficiency ratio | 63.9125% | 3,246 |
| Assets per employee ($millions) | 7.2342% | 985 |
| Cash dividends to net income (ytd only)* | 458.1090% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4588% | 1,494 |
| Loan loss allowance to noncurrent loans | 258.3336% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.4040% | 2,837 |
| Noncurrent loans to loans | 0.5647% | 2,586 |
| Net loans and leases to total assets | 69.0349% | 2,391 |
| Net loans and leases to deposits | 85.7765% | 2,030 |
| Net loans and leases to core deposits | 90.0873% | 2,333 |
| Total domestic deposits to total assets | 80.4823% | 3,765 |
| Equity capital to assets | 10.4558% | 3,362 |
| Core capital (leverage) ratio | 9.0116% | 4,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2369% | 2,600 |
| Memoranda: | ||
| Average total assets | $70,319,200,500 | 39 |
| Average earning assets | $64,840,544,000 | 39 |
| Average equity | $7,412,838,000 | 39 |
| Average total loans | $49,452,547,500 | 32 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1975% | 3,816 |
| Cost of funding earning assets | 0.6415% | 3,451 |
| Net interest margin | 3.5560% | 3,267 |
| Noninterest income to average assets | 0.8107% | 1,422 |
| Noninterest expense to average assets | 2.5130% | 3,411 |
| Loan and lease loss provision to assets | 0.0532% | 2,968 |
| Net operating income to assets | 1.1842% | 2,120 |
| Return on assets (ROA) | 1.1741% | 2,256 |
| Pretax return on assets | 1.5146% | 1,762 |
| Return on Equity (ROE) | 10.8443% | 1,950 |
| Retained earnings to average equity (ytd only) | 7.3734% | 1,217 |
| Net charge-offs to loans | 0.0780% | 1,984 |
| Credit loss provision to net charge-offs | 98.4152% | 2,529 |
| Earnings coverage of net charge-offs (x) | 29.2155% | 1,609 |
| Efficiency ratio | 61.3708% | 3,482 |
| Assets per employee ($millions) | 6.7895% | 1,131 |
| Cash dividends to net income (ytd only)* | 32.0066% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 3,422 |
| Loan loss allowance to noncurrent loans | 195.4797% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.3767% | 2,905 |
| Noncurrent loans to loans | 0.5182% | 2,630 |
| Net loans and leases to total assets | 69.8884% | 2,415 |
| Net loans and leases to deposits | 84.6851% | 2,248 |
| Net loans and leases to core deposits | 90.4514% | 2,380 |
| Total domestic deposits to total assets | 82.5274% | 3,351 |
| Equity capital to assets | 10.6305% | 3,327 |
| Core capital (leverage) ratio | 9.1715% | 4,378 |
| Tier 1 risk-based capital ratio | 11.2150% | 4,767 |
| Total risk-based capital ratio | 13.2250% | 4,252 |
| Memoranda: | ||
| Average total assets | $69,507,509,800 | 37 |
| Average earning assets | $64,171,973,400 | 37 |
| Average equity | $7,525,435,800 | 38 |
| Average total loans | $48,203,673,800 | 32 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2405% | 3,829 |
| Cost of funding earning assets | 0.6717% | 3,346 |
| Net interest margin | 3.5688% | 3,337 |
| Noninterest income to average assets | 0.7935% | 1,436 |
| Noninterest expense to average assets | 2.4495% | 3,570 |
| Loan and lease loss provision to assets | 0.0564% | 2,774 |
| Net operating income to assets | 1.2252% | 2,108 |
| Return on assets (ROA) | 1.2120% | 2,228 |
| Pretax return on assets | 1.5663% | 1,758 |
| Return on Equity (ROE) | 11.1440% | 1,958 |
| Retained earnings to average equity (ytd only) | 7.7208% | 1,530 |
| Net charge-offs to loans | 0.0414% | 2,269 |
| Credit loss provision to net charge-offs | 197.1392% | 1,329 |
| Earnings coverage of net charge-offs (x) | 57.3288% | 1,089 |
| Efficiency ratio | 59.8841% | 3,673 |
| Assets per employee ($millions) | 6.8611% | 1,086 |
| Cash dividends to net income (ytd only)* | 30.7182% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 3,342 |
| Loan loss allowance to noncurrent loans | 212.3051% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.3464% | 3,125 |
| Noncurrent loans to loans | 0.4903% | 2,825 |
| Net loans and leases to total assets | 68.8816% | 2,644 |
| Net loans and leases to deposits | 86.3314% | 2,159 |
| Net loans and leases to core deposits | 91.8776% | 2,381 |
| Total domestic deposits to total assets | 79.7874% | 4,029 |
| Equity capital to assets | 10.6719% | 3,401 |
| Core capital (leverage) ratio | 9.3020% | 4,363 |
| Tier 1 risk-based capital ratio | 11.4329% | 4,702 |
| Total risk-based capital ratio | 12.6024% | 4,643 |
| Memoranda: | ||
| Average total assets | $69,591,499,250 | 38 |
| Average earning assets | $64,260,578,000 | 38 |
| Average equity | $7,568,482,000 | 38 |
| Average total loans | $48,045,181,000 | 33 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2532% | 3,783 |
| Cost of funding earning assets | 0.6666% | 3,329 |
| Net interest margin | 3.5867% | 3,309 |
| Noninterest income to average assets | 0.7517% | 1,517 |
| Noninterest expense to average assets | 2.4763% | 3,554 |
| Loan and lease loss provision to assets | 0.0631% | 2,559 |
| Net operating income to assets | 1.1864% | 2,198 |
| Return on assets (ROA) | 1.1866% | 2,261 |
| Pretax return on assets | 1.5294% | 1,761 |
| Return on Equity (ROE) | 10.8418% | 2,044 |
| Retained earnings to average equity (ytd only) | 7.4859% | 1,607 |
| Net charge-offs to loans | 0.0575% | 1,826 |
| Credit loss provision to net charge-offs | 159.6004% | 1,430 |
| Earnings coverage of net charge-offs (x) | 40.2550% | 1,240 |
| Efficiency ratio | 60.8347% | 3,606 |
| Assets per employee ($millions) | 6.7859% | 1,096 |
| Cash dividends to net income (ytd only)* | 30.9530% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 3,426 |
| Loan loss allowance to noncurrent loans | 190.0770% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.3849% | 2,963 |
| Noncurrent loans to loans | 0.5437% | 2,639 |
| Net loans and leases to total assets | 68.8211% | 2,702 |
| Net loans and leases to deposits | 88.7488% | 1,899 |
| Net loans and leases to core deposits | 94.5514% | 2,200 |
| Total domestic deposits to total assets | 77.5460% | 4,473 |
| Equity capital to assets | 10.8458% | 3,230 |
| Core capital (leverage) ratio | 9.5083% | 4,134 |
| Tier 1 risk-based capital ratio | 11.8078% | 4,517 |
| Total risk-based capital ratio | 12.9789% | 4,459 |
| Memoranda: | ||
| Average total assets | $69,335,051,000 | 38 |
| Average earning assets | $64,121,141,670 | 38 |
| Average equity | $7,588,361,670 | 37 |
| Average total loans | $47,735,082,000 | 33 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2400% | 3,745 |
| Cost of funding earning assets | 0.6210% | 3,456 |
| Net interest margin | 3.6190% | 3,184 |
| Noninterest income to average assets | 0.7582% | 1,407 |
| Noninterest expense to average assets | 2.5130% | 3,465 |
| Loan and lease loss provision to assets | 0.0107% | 3,295 |
| Net operating income to assets | 1.2329% | 1,937 |
| Return on assets (ROA) | 1.2331% | 1,985 |
| Pretax return on assets | 1.5855% | 1,513 |
| Return on Equity (ROE) | 11.2159% | 1,860 |
| Retained earnings to average equity (ytd only) | 7.8672% | 1,716 |
| Net charge-offs to loans | 0.0028% | 2,652 |
| Credit loss provision to net charge-offs | 565.5385% | 563 |
| Earnings coverage of net charge-offs (x) | 846.6554% | 71 |
| Efficiency ratio | 61.1271% | 3,661 |
| Assets per employee ($millions) | 6.7811% | 1,099 |
| Cash dividends to net income (ytd only)* | 29.8568% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0421% | 3,447 |
| Loan loss allowance to noncurrent loans | 205.3428% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.3586% | 3,167 |
| Noncurrent loans to loans | 0.5075% | 2,789 |
| Net loans and leases to total assets | 68.1816% | 2,736 |
| Net loans and leases to deposits | 86.5097% | 2,068 |
| Net loans and leases to core deposits | 92.2830% | 2,276 |
| Total domestic deposits to total assets | 78.8139% | 4,382 |
| Equity capital to assets | 10.9656% | 2,887 |
| Core capital (leverage) ratio | 9.8732% | 3,735 |
| Tier 1 risk-based capital ratio | 12.2965% | 4,301 |
| Total risk-based capital ratio | 13.4770% | 4,205 |
| Memoranda: | ||
| Average total assets | $68,970,211,500 | 39 |
| Average earning assets | $63,856,170,500 | 39 |
| Average equity | $7,583,004,500 | 38 |
| Average total loans | $47,241,220,500 | 34 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0238% | 3,956 |
| Cost of funding earning assets | 0.4041% | 3,962 |
| Net interest margin | 3.6196% | 3,310 |
| Noninterest income to average assets | 0.8083% | 1,419 |
| Noninterest expense to average assets | 2.5107% | 3,585 |
| Loan and lease loss provision to assets | -0.0578% | 5,214 |
| Net operating income to assets | 1.3236% | 1,704 |
| Return on assets (ROA) | 1.3237% | 1,697 |
| Pretax return on assets | 1.7117% | 1,136 |
| Return on Equity (ROE) | 11.6780% | 1,832 |
| Retained earnings to average equity (ytd only) | 8.5568% | 1,027 |
| Net charge-offs to loans | -0.0356% | 4,868 |
| Credit loss provision to net charge-offs | 238.4013% | 1,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2337% | 3,817 |
| Assets per employee ($millions) | 6.7391% | 1,096 |
| Cash dividends to net income (ytd only)* | 26.7275% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0582% | 3,332 |
| Loan loss allowance to noncurrent loans | 189.3035% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.3871% | 3,014 |
| Noncurrent loans to loans | 0.5590% | 2,599 |
| Net loans and leases to total assets | 67.3674% | 2,954 |
| Net loans and leases to deposits | 85.6045% | 2,328 |
| Net loans and leases to core deposits | 90.3667% | 2,545 |
| Total domestic deposits to total assets | 78.6962% | 4,369 |
| Equity capital to assets | 11.0238% | 2,664 |
| Core capital (leverage) ratio | 10.2675% | 3,285 |
| Tier 1 risk-based capital ratio | 12.7094% | 4,008 |
| Total risk-based capital ratio | 13.9014% | 3,931 |
| Memoranda: | ||
| Average total assets | $66,822,635,200 | 39 |
| Average earning assets | $61,956,997,200 | 39 |
| Average equity | $7,574,303,600 | 37 |
| Average total loans | $45,597,894,200 | 35 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9755% | 4,003 |
| Cost of funding earning assets | 0.3698% | 4,047 |
| Net interest margin | 3.6057% | 3,346 |
| Noninterest income to average assets | 0.8079% | 1,445 |
| Noninterest expense to average assets | 2.5293% | 3,505 |
| Loan and lease loss provision to assets | -0.0925% | 5,343 |
| Net operating income to assets | 1.3225% | 1,771 |
| Return on assets (ROA) | 1.3226% | 1,779 |
| Pretax return on assets | 1.7151% | 1,239 |
| Return on Equity (ROE) | 11.5860% | 1,962 |
| Retained earnings to average equity (ytd only) | 8.6009% | 1,376 |
| Net charge-offs to loans | -0.0234% | 4,675 |
| Credit loss provision to net charge-offs | 579.8162% | 617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8645% | 3,678 |
| Assets per employee ($millions) | 6.5790% | 1,146 |
| Cash dividends to net income (ytd only)* | 25.7650% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0457% | 3,492 |
| Loan loss allowance to noncurrent loans | 159.7074% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.4561% | 2,865 |
| Noncurrent loans to loans | 0.6547% | 2,446 |
| Net loans and leases to total assets | 68.0217% | 2,933 |
| Net loans and leases to deposits | 84.3943% | 2,550 |
| Net loans and leases to core deposits | 89.1369% | 2,735 |
| Total domestic deposits to total assets | 80.5999% | 3,978 |
| Equity capital to assets | 11.3189% | 2,386 |
| Core capital (leverage) ratio | 10.5071% | 3,078 |
| Tier 1 risk-based capital ratio | 13.1391% | 3,821 |
| Total risk-based capital ratio | 14.6343% | 3,613 |
| Memoranda: | ||
| Average total assets | $66,341,857,750 | 39 |
| Average earning assets | $61,525,231,500 | 39 |
| Average equity | $7,573,275,250 | 37 |
| Average total loans | $45,295,475,250 | 35 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9049% | 4,071 |
| Cost of funding earning assets | 0.3050% | 4,382 |
| Net interest margin | 3.5999% | 3,311 |
| Noninterest income to average assets | 0.8064% | 1,457 |
| Noninterest expense to average assets | 2.4767% | 3,690 |
| Loan and lease loss provision to assets | -0.1054% | 5,427 |
| Net operating income to assets | 1.3691% | 1,541 |
| Return on assets (ROA) | 1.3692% | 1,544 |
| Pretax return on assets | 1.7756% | 1,021 |
| Return on Equity (ROE) | 11.9603% | 1,741 |
| Retained earnings to average equity (ytd only) | 2.6912% | 4,173 |
| Net charge-offs to loans | -0.0296% | 4,731 |
| Credit loss provision to net charge-offs | 521.9596% | 686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6687% | 3,981 |
| Assets per employee ($millions) | 6.5289% | 1,167 |
| Cash dividends to net income (ytd only)* | 77.4989% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0804% | 3,383 |
| Loan loss allowance to noncurrent loans | 140.8328% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.5316% | 2,638 |
| Noncurrent loans to loans | 0.7671% | 2,201 |
| Net loans and leases to total assets | 67.6544% | 2,919 |
| Net loans and leases to deposits | 83.0914% | 2,637 |
| Net loans and leases to core deposits | 87.6060% | 2,757 |
| Total domestic deposits to total assets | 81.4218% | 3,887 |
| Equity capital to assets | 11.3968% | 2,269 |
| Core capital (leverage) ratio | 10.4448% | 3,086 |
| Tier 1 risk-based capital ratio | 13.2014% | 3,791 |
| Total risk-based capital ratio | 14.2568% | 3,810 |
| Memoranda: | ||
| Average total assets | $66,212,234,330 | 39 |
| Average earning assets | $61,438,793,670 | 39 |
| Average equity | $7,579,964,330 | 37 |
| Average total loans | $45,103,621,000 | 35 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8485% | 4,088 |
| Cost of funding earning assets | 0.2698% | 4,577 |
| Net interest margin | 3.5786% | 3,256 |
| Noninterest income to average assets | 0.8083% | 1,427 |
| Noninterest expense to average assets | 2.4207% | 3,891 |
| Loan and lease loss provision to assets | -0.2411% | 5,561 |
| Net operating income to assets | 1.5011% | 1,076 |
| Return on assets (ROA) | 1.5012% | 1,076 |
| Pretax return on assets | 1.9516% | 641 |
| Return on Equity (ROE) | 13.0839% | 1,238 |
| Retained earnings to average equity (ytd only) | 4.2248% | 3,500 |
| Net charge-offs to loans | 0.0464% | 1,657 |
| Credit loss provision to net charge-offs | -765.0240% | 4,116 |
| Earnings coverage of net charge-offs (x) | 54.2709% | 902 |
| Efficiency ratio | 58.5394% | 4,281 |
| Assets per employee ($millions) | 6.5945% | 1,151 |
| Cash dividends to net income (ytd only)* | 67.7098% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0463% | 3,687 |
| Loan loss allowance to noncurrent loans | 117.3402% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.6147% | 2,466 |
| Noncurrent loans to loans | 0.8917% | 2,043 |
| Net loans and leases to total assets | 67.4200% | 2,834 |
| Net loans and leases to deposits | 83.8045% | 2,405 |
| Net loans and leases to core deposits | 87.7352% | 2,653 |
| Total domestic deposits to total assets | 80.4491% | 4,335 |
| Equity capital to assets | 11.4252% | 2,197 |
| Core capital (leverage) ratio | 10.4413% | 3,017 |
| Tier 1 risk-based capital ratio | 13.2049% | 3,846 |
| Total risk-based capital ratio | 14.2181% | 3,865 |
| Memoranda: | ||
| Average total assets | $66,190,927,500 | 37 |
| Average earning assets | $61,457,369,500 | 38 |
| Average equity | $7,594,479,000 | 36 |
| Average total loans | $44,998,478,500 | 34 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6464% | 4,461 |
| Cost of funding earning assets | 0.1710% | 5,149 |
| Net interest margin | 3.4754% | 3,606 |
| Noninterest income to average assets | 0.7758% | 1,660 |
| Noninterest expense to average assets | 2.4839% | 3,838 |
| Loan and lease loss provision to assets | 0.0370% | 3,529 |
| Net operating income to assets | 0.8974% | 2,726 |
| Return on assets (ROA) | 0.9199% | 2,625 |
| Pretax return on assets | 1.5124% | 1,591 |
| Return on Equity (ROE) | 7.8441% | 2,865 |
| Retained earnings to average equity (ytd only) | 0.1520% | 4,950 |
| Net charge-offs to loans | 0.1690% | 1,461 |
| Credit loss provision to net charge-offs | 32.6124% | 3,513 |
| Earnings coverage of net charge-offs (x) | 13.3345% | 2,404 |
| Efficiency ratio | 61.8792% | 3,956 |
| Assets per employee ($millions) | 6.5988% | 1,150 |
| Cash dividends to net income (ytd only)* | 98.0621% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 3,026 |
| Loan loss allowance to noncurrent loans | 118.7060% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.6656% | 2,317 |
| Noncurrent loans to loans | 0.9731% | 1,816 |
| Net loans and leases to total assets | 67.0488% | 2,958 |
| Net loans and leases to deposits | 83.6026% | 2,536 |
| Net loans and leases to core deposits | 86.7244% | 2,853 |
| Total domestic deposits to total assets | 80.1994% | 4,300 |
| Equity capital to assets | 11.5222% | 2,189 |
| Core capital (leverage) ratio | 10.4285% | 2,932 |
| Tier 1 risk-based capital ratio | 13.1197% | 3,837 |
| Total risk-based capital ratio | 14.2419% | 3,805 |
| Memoranda: | ||
| Average total assets | $65,024,542,400 | 37 |
| Average earning assets | $60,291,311,200 | 37 |
| Average equity | $7,626,007,200 | 35 |
| Average total loans | $43,695,664,400 | 33 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6284% | 4,496 |
| Cost of funding earning assets | 0.1597% | 5,253 |
| Net interest margin | 3.4687% | 3,605 |
| Noninterest income to average assets | 0.7576% | 1,745 |
| Noninterest expense to average assets | 2.4853% | 3,787 |
| Loan and lease loss provision to assets | 0.0731% | 2,608 |
| Net operating income to assets | 0.9392% | 2,833 |
| Return on assets (ROA) | 0.9713% | 2,739 |
| Pretax return on assets | 1.4636% | 1,904 |
| Return on Equity (ROE) | 8.2455% | 2,996 |
| Retained earnings to average equity (ytd only) | 0.8450% | 5,024 |
| Net charge-offs to loans | 0.1916% | 1,106 |
| Credit loss provision to net charge-offs | 56.8923% | 2,840 |
| Earnings coverage of net charge-offs (x) | 11.5869% | 2,493 |
| Efficiency ratio | 62.2848% | 3,835 |
| Assets per employee ($millions) | 6.5561% | 1,150 |
| Cash dividends to net income (ytd only)* | 89.7514% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2224% | 2,788 |
| Loan loss allowance to noncurrent loans | 109.2236% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 0.7616% | 2,230 |
| Noncurrent loans to loans | 1.1192% | 1,717 |
| Net loans and leases to total assets | 66.8078% | 3,003 |
| Net loans and leases to deposits | 83.2315% | 2,635 |
| Net loans and leases to core deposits | 85.9462% | 2,976 |
| Total domestic deposits to total assets | 80.2675% | 4,265 |
| Equity capital to assets | 11.7618% | 2,144 |
| Core capital (leverage) ratio | 10.4839% | 3,007 |
| Tier 1 risk-based capital ratio | 13.2021% | 3,875 |
| Total risk-based capital ratio | 14.3795% | 3,829 |
| Memoranda: | ||
| Average total assets | $64,760,550,250 | 37 |
| Average earning assets | $60,036,908,000 | 37 |
| Average equity | $7,629,026,750 | 35 |
| Average total loans | $43,413,592,000 | 33 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5944% | 4,526 |
| Cost of funding earning assets | 0.1439% | 5,373 |
| Net interest margin | 3.4505% | 3,589 |
| Noninterest income to average assets | 0.7434% | 1,798 |
| Noninterest expense to average assets | 2.4747% | 3,832 |
| Loan and lease loss provision to assets | 0.0929% | 2,133 |
| Net operating income to assets | 0.9201% | 2,807 |
| Return on assets (ROA) | 0.9518% | 2,706 |
| Pretax return on assets | 1.4217% | 1,930 |
| Return on Equity (ROE) | 8.0754% | 2,983 |
| Retained earnings to average equity (ytd only) | 0.8912% | 4,866 |
| Net charge-offs to loans | 0.2475% | 827 |
| Credit loss provision to net charge-offs | 56.1650% | 2,492 |
| Earnings coverage of net charge-offs (x) | 8.8685% | 2,477 |
| Efficiency ratio | 62.5085% | 3,906 |
| Assets per employee ($millions) | 6.5231% | 1,141 |
| Cash dividends to net income (ytd only)* | 88.9642% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 2,732 |
| Loan loss allowance to noncurrent loans | 107.8560% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 0.7787% | 2,260 |
| Noncurrent loans to loans | 1.1535% | 1,695 |
| Net loans and leases to total assets | 66.1681% | 3,077 |
| Net loans and leases to deposits | 81.8265% | 2,715 |
| Net loans and leases to core deposits | 84.6269% | 2,998 |
| Total domestic deposits to total assets | 80.8639% | 4,214 |
| Equity capital to assets | 11.7671% | 2,103 |
| Core capital (leverage) ratio | 10.4277% | 2,996 |
| Tier 1 risk-based capital ratio | 13.2829% | 3,811 |
| Total risk-based capital ratio | 14.4855% | 3,762 |
| Memoranda: | ||
| Average total assets | $64,550,502,670 | 37 |
| Average earning assets | $59,837,307,330 | 37 |
| Average equity | $7,608,335,670 | 35 |
| Average total loans | $43,142,544,000 | 33 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4740% | 4,765 |
| Cost of funding earning assets | 0.1257% | 5,525 |
| Net interest margin | 3.3482% | 3,851 |
| Noninterest income to average assets | 0.7402% | 1,782 |
| Noninterest expense to average assets | 2.4963% | 3,820 |
| Loan and lease loss provision to assets | 0.1457% | 1,280 |
| Net operating income to assets | 0.8103% | 3,173 |
| Return on assets (ROA) | 0.8430% | 3,071 |
| Pretax return on assets | 1.2491% | 2,417 |
| Return on Equity (ROE) | 7.1458% | 3,344 |
| Retained earnings to average equity (ytd only) | -0.1521% | 4,941 |
| Net charge-offs to loans | 0.4364% | 419 |
| Credit loss provision to net charge-offs | 50.0171% | 1,980 |
| Earnings coverage of net charge-offs (x) | 4.6207% | 2,367 |
| Efficiency ratio | 64.6855% | 3,710 |
| Assets per employee ($millions) | 6.5799% | 1,144 |
| Cash dividends to net income (ytd only)* | 102.1291% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 2,690 |
| Loan loss allowance to noncurrent loans | 88.3997% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 0.9477% | 1,938 |
| Noncurrent loans to loans | 1.4359% | 1,405 |
| Net loans and leases to total assets | 64.8189% | 3,142 |
| Net loans and leases to deposits | 78.4292% | 2,923 |
| Net loans and leases to core deposits | 80.9074% | 3,208 |
| Total domestic deposits to total assets | 82.6464% | 3,962 |
| Equity capital to assets | 11.6079% | 2,107 |
| Core capital (leverage) ratio | 10.5952% | 2,795 |
| Tier 1 risk-based capital ratio | 13.3470% | 3,858 |
| Total risk-based capital ratio | 14.5576% | 3,803 |
| Memoranda: | ||
| Average total assets | $64,187,320,500 | 37 |
| Average earning assets | $59,470,503,000 | 37 |
| Average equity | $7,571,909,000 | 35 |
| Average total loans | $42,845,542,000 | 33 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5228% | 4,726 |
| Cost of funding earning assets | 0.0921% | 5,737 |
| Net interest margin | 3.4306% | 3,710 |
| Noninterest income to average assets | 0.8146% | 1,694 |
| Noninterest expense to average assets | 2.5939% | 3,688 |
| Loan and lease loss provision to assets | 0.1539% | 1,626 |
| Net operating income to assets | 0.8129% | 3,244 |
| Return on assets (ROA) | 0.8193% | 3,314 |
| Pretax return on assets | 1.2467% | 2,487 |
| Return on Equity (ROE) | 6.5695% | 3,706 |
| Retained earnings to average equity (ytd only) | 3.0652% | 3,717 |
| Net charge-offs to loans | 0.3119% | 882 |
| Credit loss provision to net charge-offs | 70.5867% | 3,131 |
| Earnings coverage of net charge-offs (x) | 6.3789% | 3,182 |
| Efficiency ratio | 64.7665% | 3,806 |
| Assets per employee ($millions) | 6.3476% | 1,234 |
| Cash dividends to net income (ytd only)* | 53.3417% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 2,401 |
| Loan loss allowance to noncurrent loans | 93.8818% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 0.9651% | 1,959 |
| Noncurrent loans to loans | 1.4117% | 1,440 |
| Net loans and leases to total assets | 66.9883% | 2,933 |
| Net loans and leases to deposits | 78.5106% | 3,043 |
| Net loans and leases to core deposits | 80.5526% | 3,345 |
| Total domestic deposits to total assets | 85.3240% | 2,912 |
| Equity capital to assets | 11.9919% | 1,814 |
| Core capital (leverage) ratio | 10.9912% | 2,345 |
| Tier 1 risk-based capital ratio | 13.3554% | 3,854 |
| Total risk-based capital ratio | 14.6056% | 3,765 |
| Memoranda: | ||
| Average total assets | $60,214,636,800 | 38 |
| Average earning assets | $55,644,535,200 | 37 |
| Average equity | $7,509,354,400 | 36 |
| Average total loans | $42,097,837,000 | 34 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5338% | 4,720 |
| Cost of funding earning assets | 0.0910% | 5,807 |
| Net interest margin | 3.4428% | 3,695 |
| Noninterest income to average assets | 0.8325% | 1,638 |
| Noninterest expense to average assets | 2.6088% | 3,631 |
| Loan and lease loss provision to assets | 0.2138% | 980 |
| Net operating income to assets | 0.7793% | 3,461 |
| Return on assets (ROA) | 0.7847% | 3,575 |
| Pretax return on assets | 1.1991% | 2,844 |
| Return on Equity (ROE) | 6.2287% | 3,961 |
| Retained earnings to average equity (ytd only) | 4.0052% | 3,450 |
| Net charge-offs to loans | 0.3318% | 696 |
| Credit loss provision to net charge-offs | 91.4718% | 2,509 |
| Earnings coverage of net charge-offs (x) | 6.0088% | 3,048 |
| Efficiency ratio | 64.6680% | 3,827 |
| Assets per employee ($millions) | 6.1818% | 1,312 |
| Cash dividends to net income (ytd only)* | 35.6968% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 2,210 |
| Loan loss allowance to noncurrent loans | 98.2673% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 1.0102% | 2,044 |
| Noncurrent loans to loans | 1.4232% | 1,528 |
| Net loans and leases to total assets | 69.1569% | 2,614 |
| Net loans and leases to deposits | 81.9589% | 2,740 |
| Net loans and leases to core deposits | 83.9317% | 3,127 |
| Total domestic deposits to total assets | 84.1849% | 3,153 |
| Equity capital to assets | 12.5202% | 1,768 |
| Core capital (leverage) ratio | 11.1870% | 2,279 |
| Tier 1 risk-based capital ratio | 13.3651% | 3,944 |
| Total risk-based capital ratio | 14.6163% | 3,857 |
| Memoranda: | ||
| Average total assets | $59,499,255,500 | 38 |
| Average earning assets | $54,974,893,500 | 37 |
| Average equity | $7,495,680,250 | 35 |
| Average total loans | $41,916,996,500 | 34 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5398% | 4,772 |
| Cost of funding earning assets | 0.0900% | 5,891 |
| Net interest margin | 3.4498% | 3,684 |
| Noninterest income to average assets | 0.7939% | 1,739 |
| Noninterest expense to average assets | 2.5980% | 3,729 |
| Loan and lease loss provision to assets | 0.2593% | 731 |
| Net operating income to assets | 0.7393% | 3,610 |
| Return on assets (ROA) | 0.7396% | 3,768 |
| Pretax return on assets | 1.1264% | 3,099 |
| Return on Equity (ROE) | 5.8587% | 4,113 |
| Retained earnings to average equity (ytd only) | 4.5171% | 3,038 |
| Net charge-offs to loans | 0.3569% | 654 |
| Credit loss provision to net charge-offs | 102.9796% | 2,052 |
| Earnings coverage of net charge-offs (x) | 5.5008% | 2,847 |
| Efficiency ratio | 64.8832% | 3,864 |
| Assets per employee ($millions) | 5.9804% | 1,419 |
| Cash dividends to net income (ytd only)* | 22.9000% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4263% | 2,180 |
| Loan loss allowance to noncurrent loans | 105.5262% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 0.9812% | 2,183 |
| Noncurrent loans to loans | 1.3516% | 1,662 |
| Net loans and leases to total assets | 70.7105% | 2,365 |
| Net loans and leases to deposits | 82.5296% | 2,646 |
| Net loans and leases to core deposits | 84.1610% | 3,068 |
| Total domestic deposits to total assets | 85.4809% | 2,655 |
| Equity capital to assets | 12.7451% | 1,640 |
| Core capital (leverage) ratio | 11.2047% | 2,229 |
| Tier 1 risk-based capital ratio | 13.3285% | 3,998 |
| Total risk-based capital ratio | 14.5801% | 3,915 |
| Memoranda: | ||
| Average total assets | $59,039,688,670 | 38 |
| Average earning assets | $54,583,558,670 | 37 |
| Average equity | $7,453,557,670 | 35 |
| Average total loans | $41,656,515,000 | 34 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5069% | 4,879 |
| Cost of funding earning assets | 0.0894% | 5,955 |
| Net interest margin | 3.4175% | 3,811 |
| Noninterest income to average assets | 0.7646% | 1,758 |
| Noninterest expense to average assets | 2.6383% | 3,624 |
| Loan and lease loss provision to assets | 0.2862% | 571 |
| Net operating income to assets | 0.6652% | 3,901 |
| Return on assets (ROA) | 0.6653% | 4,019 |
| Pretax return on assets | 1.0029% | 3,474 |
| Return on Equity (ROE) | 5.2956% | 4,338 |
| Retained earnings to average equity (ytd only) | 5.2956% | 2,765 |
| Net charge-offs to loans | 0.3527% | 633 |
| Credit loss provision to net charge-offs | 115.9839% | 1,469 |
| Earnings coverage of net charge-offs (x) | 5.2229% | 2,348 |
| Efficiency ratio | 66.8307% | 3,662 |
| Assets per employee ($millions) | 5.8441% | 1,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 2,100 |
| Loan loss allowance to noncurrent loans | 105.6766% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 1.0091% | 2,194 |
| Noncurrent loans to loans | 1.3943% | 1,713 |
| Net loans and leases to total assets | 70.2184% | 2,306 |
| Net loans and leases to deposits | 81.7297% | 2,580 |
| Net loans and leases to core deposits | 83.0261% | 3,041 |
| Total domestic deposits to total assets | 85.5380% | 2,895 |
| Equity capital to assets | 12.8140% | 1,502 |
| Core capital (leverage) ratio | 11.2334% | 2,202 |
| Tier 1 risk-based capital ratio | 13.5351% | 3,959 |
| Total risk-based capital ratio | 14.7874% | 3,884 |
| Memoranda: | ||
| Average total assets | $58,833,911,000 | 38 |
| Average earning assets | $54,447,403,500 | 37 |
| Average equity | $7,391,773,000 | 35 |
| Average total loans | $41,161,512,000 | 35 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4396% | 5,072 |
| Cost of funding earning assets | 0.0960% | 5,979 |
| Net interest margin | 3.3436% | 4,136 |
| Noninterest income to average assets | 0.8633% | 1,555 |
| Noninterest expense to average assets | 2.6782% | 3,658 |
| Loan and lease loss provision to assets | 0.0690% | 2,914 |
| Net operating income to assets | 0.7842% | 3,401 |
| Return on assets (ROA) | 0.7040% | 3,898 |
| Pretax return on assets | 1.0845% | 3,135 |
| Return on Equity (ROE) | 5.6714% | 4,194 |
| Retained earnings to average equity (ytd only) | 2.4260% | 4,337 |
| Net charge-offs to loans | 0.0958% | 2,464 |
| Credit loss provision to net charge-offs | 103.5727% | 2,423 |
| Earnings coverage of net charge-offs (x) | 19.1756% | 1,967 |
| Efficiency ratio | 67.3124% | 3,694 |
| Assets per employee ($millions) | 5.8942% | 1,470 |
| Cash dividends to net income (ytd only)* | 57.2242% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4855% | 2,083 |
| Loan loss allowance to noncurrent loans | 158.6958% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.6562% | 3,073 |
| Noncurrent loans to loans | 0.9360% | 2,466 |
| Net loans and leases to total assets | 67.6607% | 2,760 |
| Net loans and leases to deposits | 78.3989% | 3,007 |
| Net loans and leases to core deposits | 79.8736% | 3,363 |
| Total domestic deposits to total assets | 85.8075% | 2,733 |
| Equity capital to assets | 12.3184% | 1,724 |
| Core capital (leverage) ratio | 10.9715% | 2,432 |
| Tier 1 risk-based capital ratio | 13.5910% | 3,957 |
| Total risk-based capital ratio | 14.8436% | 3,887 |
| Memoranda: | ||
| Average total assets | $58,048,699,800 | 36 |
| Average earning assets | $53,675,257,400 | 35 |
| Average equity | $7,205,689,200 | 35 |
| Average total loans | $40,344,543,000 | 34 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4142% | 5,176 |
| Cost of funding earning assets | 0.1500% | 5,777 |
| Net interest margin | 3.2642% | 4,473 |
| Noninterest income to average assets | 1.2436% | 781 |
| Noninterest expense to average assets | 2.8507% | 3,004 |
| Loan and lease loss provision to assets | -0.1321% | 6,041 |
| Net operating income to assets | 1.0237% | 2,363 |
| Return on assets (ROA) | 0.6942% | 4,034 |
| Pretax return on assets | 1.0774% | 3,311 |
| Return on Equity (ROE) | 6.7902% | 3,729 |
| Retained earnings to average equity (ytd only) | 2.3514% | 4,706 |
| Net charge-offs to loans | 0.0855% | 2,322 |
| Credit loss provision to net charge-offs | -237.3370% | 5,213 |
| Earnings coverage of net charge-offs (x) | 25.9527% | 1,637 |
| Efficiency ratio | 66.3734% | 3,821 |
| Assets per employee ($millions) | 8.4051% | 457 |
| Cash dividends to net income (ytd only)* | 65.3710% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5525% | 1,956 |
| Loan loss allowance to noncurrent loans | 180.0572% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.5971% | 3,483 |
| Noncurrent loans to loans | 0.8622% | 2,825 |
| Net loans and leases to total assets | 66.1656% | 2,978 |
| Net loans and leases to deposits | 77.0617% | 3,188 |
| Net loans and leases to core deposits | 77.8330% | 3,625 |
| Total domestic deposits to total assets | 85.8606% | 2,610 |
| Equity capital to assets | 10.8047% | 3,233 |
| Core capital (leverage) ratio | 10.7674% | 2,749 |
| Tier 1 risk-based capital ratio | 14.1487% | 3,765 |
| Total risk-based capital ratio | 15.4014% | 3,694 |
| Memoranda: | ||
| Average total assets | $18,929,789,750 | 76 |
| Average earning assets | $17,695,763,500 | 74 |
| Average equity | $1,935,330,000 | 82 |
| Average total loans | $12,321,453,250 | 76 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3613% | 5,309 |
| Cost of funding earning assets | 0.1491% | 5,852 |
| Net interest margin | 3.2122% | 4,624 |
| Noninterest income to average assets | 1.1392% | 927 |
| Noninterest expense to average assets | 2.8121% | 3,182 |
| Loan and lease loss provision to assets | -0.1365% | 6,117 |
| Net operating income to assets | 0.9650% | 2,566 |
| Return on assets (ROA) | 0.5486% | 4,672 |
| Pretax return on assets | 0.8421% | 4,156 |
| Return on Equity (ROE) | 5.4659% | 4,390 |
| Retained earnings to average equity (ytd only) | 0.2515% | 5,431 |
| Net charge-offs to loans | 0.0466% | 2,768 |
| Credit loss provision to net charge-offs | -455.0942% | 5,193 |
| Earnings coverage of net charge-offs (x) | 44.2913% | 1,050 |
| Efficiency ratio | 67.9111% | 3,681 |
| Assets per employee ($millions) | 8.6751% | 410 |
| Cash dividends to net income (ytd only)* | 95.3980% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6459% | 1,756 |
| Loan loss allowance to noncurrent loans | 197.3799% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.5526% | 3,768 |
| Noncurrent loans to loans | 0.8339% | 3,036 |
| Net loans and leases to total assets | 63.5889% | 3,328 |
| Net loans and leases to deposits | 73.5243% | 3,552 |
| Net loans and leases to core deposits | 74.0766% | 3,950 |
| Total domestic deposits to total assets | 86.4870% | 2,443 |
| Equity capital to assets | 10.2043% | 3,802 |
| Core capital (leverage) ratio | 10.3146% | 3,201 |
| Tier 1 risk-based capital ratio | 14.0651% | 3,889 |
| Total risk-based capital ratio | 15.3188% | 3,822 |
| Memoranda: | ||
| Average total assets | $19,106,783,670 | 76 |
| Average earning assets | $17,854,310,330 | 75 |
| Average equity | $1,917,797,330 | 84 |
| Average total loans | $12,306,716,000 | 78 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3122% | 5,417 |
| Cost of funding earning assets | 0.1475% | 5,948 |
| Net interest margin | 3.1647% | 4,735 |
| Noninterest income to average assets | 0.9640% | 1,203 |
| Noninterest expense to average assets | 2.6573% | 3,726 |
| Loan and lease loss provision to assets | -0.0967% | 6,205 |
| Net operating income to assets | 0.8712% | 2,893 |
| Return on assets (ROA) | 0.8619% | 3,063 |
| Pretax return on assets | 1.3508% | 2,069 |
| Return on Equity (ROE) | 8.6585% | 2,623 |
| Retained earnings to average equity (ytd only) | 3.4084% | 3,937 |
| Net charge-offs to loans | 0.1720% | 1,244 |
| Credit loss provision to net charge-offs | -87.4504% | 4,471 |
| Earnings coverage of net charge-offs (x) | 11.4207% | 1,864 |
| Efficiency ratio | 67.7803% | 3,861 |
| Assets per employee ($millions) | 8.4992% | 439 |
| Cash dividends to net income (ytd only)* | 60.6355% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7023% | 1,731 |
| Loan loss allowance to noncurrent loans | 237.4425% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.4746% | 4,131 |
| Noncurrent loans to loans | 0.7169% | 3,475 |
| Net loans and leases to total assets | 62.8011% | 3,260 |
| Net loans and leases to deposits | 72.4417% | 3,496 |
| Net loans and leases to core deposits | 73.0288% | 3,868 |
| Total domestic deposits to total assets | 86.6919% | 2,556 |
| Equity capital to assets | 9.9776% | 4,174 |
| Core capital (leverage) ratio | 10.1637% | 3,384 |
| Tier 1 risk-based capital ratio | 13.6965% | 4,225 |
| Total risk-based capital ratio | 14.9576% | 4,121 |
| Memoranda: | ||
| Average total assets | $19,134,953,500 | 75 |
| Average earning assets | $17,875,846,500 | 74 |
| Average equity | $1,904,714,000 | 83 |
| Average total loans | $12,301,726,500 | 76 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5528% | 5,203 |
| Cost of funding earning assets | 0.1615% | 6,032 |
| Net interest margin | 3.3913% | 4,233 |
| Noninterest income to average assets | 1.1123% | 989 |
| Noninterest expense to average assets | 2.8126% | 3,430 |
| Loan and lease loss provision to assets | -0.3184% | 6,380 |
| Net operating income to assets | 1.1288% | 1,873 |
| Return on assets (ROA) | 1.1993% | 1,649 |
| Pretax return on assets | 1.9090% | 628 |
| Return on Equity (ROE) | 11.9413% | 1,428 |
| Retained earnings to average equity (ytd only) | 5.1682% | 2,486 |
| Net charge-offs to loans | 0.1050% | 3,008 |
| Credit loss provision to net charge-offs | -451.0792% | 5,768 |
| Earnings coverage of net charge-offs (x) | 20.9170% | 1,706 |
| Efficiency ratio | 65.5738% | 4,320 |
| Assets per employee ($millions) | 8.3423% | 469 |
| Cash dividends to net income (ytd only)* | 56.7202% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7714% | 1,593 |
| Loan loss allowance to noncurrent loans | 271.2497% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4448% | 4,335 |
| Noncurrent loans to loans | 0.6530% | 3,725 |
| Net loans and leases to total assets | 63.5463% | 3,287 |
| Net loans and leases to deposits | 72.8914% | 3,568 |
| Net loans and leases to core deposits | 73.5280% | 3,959 |
| Total domestic deposits to total assets | 87.1795% | 2,178 |
| Equity capital to assets | 9.9305% | 4,203 |
| Core capital (leverage) ratio | 10.5225% | 2,920 |
| Tier 1 risk-based capital ratio | 14.0660% | 4,045 |
| Total risk-based capital ratio | 15.2682% | 4,008 |
| Memoranda: | ||
| Average total assets | $18,375,824,200 | 75 |
| Average earning assets | $17,213,377,000 | 70 |
| Average equity | $1,845,532,600 | 81 |
| Average total loans | $12,358,592,200 | 72 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5759% | 5,208 |
| Cost of funding earning assets | 0.1635% | 6,105 |
| Net interest margin | 3.4124% | 4,185 |
| Noninterest income to average assets | 1.0310% | 1,157 |
| Noninterest expense to average assets | 2.8064% | 3,436 |
| Loan and lease loss provision to assets | -0.3797% | 6,502 |
| Net operating income to assets | 1.1388% | 1,906 |
| Return on assets (ROA) | 1.2031% | 1,738 |
| Pretax return on assets | 1.9021% | 719 |
| Return on Equity (ROE) | 11.9442% | 1,495 |
| Retained earnings to average equity (ytd only) | 4.4532% | 3,482 |
| Net charge-offs to loans | 0.0842% | 2,998 |
| Credit loss provision to net charge-offs | -663.9042% | 5,808 |
| Earnings coverage of net charge-offs (x) | 24.8621% | 1,524 |
| Efficiency ratio | 66.3717% | 4,163 |
| Assets per employee ($millions) | 7.6353% | 600 |
| Cash dividends to net income (ytd only)* | 62.7169% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8734% | 1,519 |
| Loan loss allowance to noncurrent loans | 299.9219% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.4606% | 4,511 |
| Noncurrent loans to loans | 0.6246% | 4,051 |
| Net loans and leases to total assets | 67.4829% | 2,615 |
| Net loans and leases to deposits | 77.5950% | 2,994 |
| Net loans and leases to core deposits | 78.1924% | 3,517 |
| Total domestic deposits to total assets | 86.9680% | 2,338 |
| Equity capital to assets | 10.4901% | 3,576 |
| Core capital (leverage) ratio | 10.4860% | 3,060 |
| Tier 1 risk-based capital ratio | 13.8675% | 4,313 |
| Total risk-based capital ratio | 15.0662% | 4,276 |
| Memoranda: | ||
| Average total assets | $18,200,076,500 | 75 |
| Average earning assets | $17,053,376,000 | 71 |
| Average equity | $1,833,262,000 | 81 |
| Average total loans | $12,362,610,250 | 72 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5464% | 5,296 |
| Cost of funding earning assets | 0.1644% | 6,163 |
| Net interest margin | 3.3821% | 4,249 |
| Noninterest income to average assets | 1.0135% | 1,163 |
| Noninterest expense to average assets | 2.7666% | 3,628 |
| Loan and lease loss provision to assets | -0.2631% | 6,513 |
| Net operating income to assets | 1.0563% | 2,097 |
| Return on assets (ROA) | 1.1345% | 1,891 |
| Pretax return on assets | 1.7906% | 857 |
| Return on Equity (ROE) | 11.4166% | 1,594 |
| Retained earnings to average equity (ytd only) | 2.3997% | 4,679 |
| Net charge-offs to loans | 0.0901% | 2,780 |
| Credit loss provision to net charge-offs | -431.4875% | 5,534 |
| Earnings coverage of net charge-offs (x) | 23.0496% | 1,481 |
| Efficiency ratio | 66.3136% | 4,312 |
| Assets per employee ($millions) | 7.4285% | 653 |
| Cash dividends to net income (ytd only)* | 78.9806% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0865% | 1,204 |
| Loan loss allowance to noncurrent loans | 216.2482% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.7297% | 3,787 |
| Noncurrent loans to loans | 0.9649% | 3,313 |
| Net loans and leases to total assets | 69.7176% | 2,131 |
| Net loans and leases to deposits | 79.8688% | 2,531 |
| Net loans and leases to core deposits | 80.5840% | 3,149 |
| Total domestic deposits to total assets | 87.2902% | 2,303 |
| Equity capital to assets | 10.4736% | 3,473 |
| Core capital (leverage) ratio | 10.5495% | 2,885 |
| Tier 1 risk-based capital ratio | 13.3430% | 4,694 |
| Total risk-based capital ratio | 14.5473% | 4,662 |
| Memoranda: | ||
| Average total assets | $18,303,612,000 | 74 |
| Average earning assets | $17,093,518,670 | 69 |
| Average equity | $1,818,808,000 | 80 |
| Average total loans | $12,382,545,670 | 72 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4376% | 5,566 |
| Cost of funding earning assets | 0.1681% | 6,240 |
| Net interest margin | 3.2695% | 4,674 |
| Noninterest income to average assets | 0.9184% | 1,336 |
| Noninterest expense to average assets | 2.7107% | 3,900 |
| Loan and lease loss provision to assets | -0.1857% | 6,559 |
| Net operating income to assets | 0.9267% | 2,517 |
| Return on assets (ROA) | 1.0029% | 2,256 |
| Pretax return on assets | 1.5768% | 1,221 |
| Return on Equity (ROE) | 10.3550% | 1,919 |
| Retained earnings to average equity (ytd only) | 1.2949% | 5,100 |
| Net charge-offs to loans | 0.2082% | 1,502 |
| Credit loss provision to net charge-offs | -135.1768% | 4,889 |
| Earnings coverage of net charge-offs (x) | 9.2592% | 1,952 |
| Efficiency ratio | 68.0615% | 4,172 |
| Assets per employee ($millions) | 7.9480% | 496 |
| Cash dividends to net income (ytd only)* | 87.4947% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2374% | 1,109 |
| Loan loss allowance to noncurrent loans | 213.8353% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.7278% | 3,941 |
| Noncurrent loans to loans | 1.0463% | 3,328 |
| Net loans and leases to total assets | 63.9579% | 2,898 |
| Net loans and leases to deposits | 73.0616% | 3,194 |
| Net loans and leases to core deposits | 80.4946% | 2,909 |
| Total domestic deposits to total assets | 80.2292% | 5,443 |
| Equity capital to assets | 9.6710% | 4,268 |
| Core capital (leverage) ratio | 10.0568% | 3,489 |
| Tier 1 risk-based capital ratio | 13.4724% | 4,706 |
| Total risk-based capital ratio | 14.6746% | 4,680 |
| Memoranda: | ||
| Average total assets | $18,689,774,000 | 71 |
| Average earning assets | $17,517,097,000 | 68 |
| Average equity | $1,810,132,500 | 79 |
| Average total loans | $12,332,389,000 | 73 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7781% | 4,884 |
| Cost of funding earning assets | 0.1971% | 6,306 |
| Net interest margin | 3.5810% | 3,547 |
| Noninterest income to average assets | 1.1975% | 983 |
| Noninterest expense to average assets | 2.8218% | 3,647 |
| Loan and lease loss provision to assets | -0.2259% | 6,616 |
| Net operating income to assets | 1.2557% | 1,375 |
| Return on assets (ROA) | 1.2537% | 1,438 |
| Pretax return on assets | 1.9332% | 562 |
| Return on Equity (ROE) | 12.4879% | 1,279 |
| Retained earnings to average equity (ytd only) | -1.9667% | 6,175 |
| Net charge-offs to loans | 0.1584% | 3,219 |
| Credit loss provision to net charge-offs | -205.4509% | 5,992 |
| Earnings coverage of net charge-offs (x) | 15.5536% | 1,859 |
| Efficiency ratio | 62.2604% | 5,167 |
| Assets per employee ($millions) | 7.7331% | 537 |
| Cash dividends to net income (ytd only)* | 115.7490% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3448% | 988 |
| Loan loss allowance to noncurrent loans | 212.4785% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.7840% | 3,928 |
| Noncurrent loans to loans | 1.1036% | 3,329 |
| Net loans and leases to total assets | 64.9933% | 2,871 |
| Net loans and leases to deposits | 74.3239% | 3,217 |
| Net loans and leases to core deposits | 83.4102% | 2,733 |
| Total domestic deposits to total assets | 78.6432% | 5,720 |
| Equity capital to assets | 9.6995% | 4,167 |
| Core capital (leverage) ratio | 10.0248% | 3,525 |
| Tier 1 risk-based capital ratio | 13.3182% | 4,775 |
| Total risk-based capital ratio | 14.5238% | 4,744 |
| Memoranda: | ||
| Average total assets | $17,916,649,000 | 72 |
| Average earning assets | $16,683,994,600 | 69 |
| Average equity | $1,798,739,800 | 78 |
| Average total loans | $12,435,053,400 | 66 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8366% | 4,714 |
| Cost of funding earning assets | 0.2029% | 6,388 |
| Net interest margin | 3.6338% | 3,306 |
| Noninterest income to average assets | 1.2270% | 978 |
| Noninterest expense to average assets | 2.8558% | 3,459 |
| Loan and lease loss provision to assets | -0.1383% | 6,664 |
| Net operating income to assets | 1.1968% | 1,649 |
| Return on assets (ROA) | 1.2214% | 1,633 |
| Pretax return on assets | 1.9223% | 682 |
| Return on Equity (ROE) | 12.0593% | 1,458 |
| Retained earnings to average equity (ytd only) | -2.0330% | 6,271 |
| Net charge-offs to loans | 0.1859% | 2,734 |
| Credit loss provision to net charge-offs | -106.0358% | 5,796 |
| Earnings coverage of net charge-offs (x) | 13.3825% | 2,033 |
| Efficiency ratio | 62.0645% | 5,129 |
| Assets per employee ($millions) | 7.5280% | 576 |
| Cash dividends to net income (ytd only)* | 116.8584% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5508% | 883 |
| Loan loss allowance to noncurrent loans | 195.1402% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.9668% | 3,730 |
| Noncurrent loans to loans | 1.3072% | 3,223 |
| Net loans and leases to total assets | 66.5336% | 2,556 |
| Net loans and leases to deposits | 76.0859% | 2,958 |
| Net loans and leases to core deposits | 83.7131% | 2,678 |
| Total domestic deposits to total assets | 80.2686% | 5,437 |
| Equity capital to assets | 9.9333% | 4,001 |
| Core capital (leverage) ratio | 10.0747% | 3,565 |
| Tier 1 risk-based capital ratio | 13.2481% | 4,947 |
| Total risk-based capital ratio | 14.4579% | 4,921 |
| Memoranda: | ||
| Average total assets | $17,748,203,000 | 71 |
| Average earning assets | $16,481,545,750 | 69 |
| Average equity | $1,797,630,250 | 77 |
| Average total loans | $12,450,655,750 | 65 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9142% | 4,424 |
| Cost of funding earning assets | 0.2062% | 6,445 |
| Net interest margin | 3.7081% | 2,930 |
| Noninterest income to average assets | 1.2710% | 959 |
| Noninterest expense to average assets | 2.8952% | 3,350 |
| Loan and lease loss provision to assets | -0.1004% | 6,714 |
| Net operating income to assets | 1.2166% | 1,546 |
| Return on assets (ROA) | 1.2426% | 1,570 |
| Pretax return on assets | 1.9576% | 651 |
| Return on Equity (ROE) | 12.1880% | 1,433 |
| Retained earnings to average equity (ytd only) | -3.3773% | 6,347 |
| Net charge-offs to loans | 0.1697% | 2,763 |
| Credit loss provision to net charge-offs | -83.5770% | 5,593 |
| Earnings coverage of net charge-offs (x) | 15.1179% | 1,766 |
| Efficiency ratio | 61.4457% | 5,252 |
| Assets per employee ($millions) | 7.4930% | 571 |
| Cash dividends to net income (ytd only)* | 127.7104% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6611% | 819 |
| Loan loss allowance to noncurrent loans | 170.9413% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 1.1789% | 3,394 |
| Noncurrent loans to loans | 1.5568% | 2,973 |
| Net loans and leases to total assets | 66.6540% | 2,475 |
| Net loans and leases to deposits | 76.3217% | 2,836 |
| Net loans and leases to core deposits | 83.8906% | 2,577 |
| Total domestic deposits to total assets | 80.2143% | 5,560 |
| Equity capital to assets | 9.8590% | 4,111 |
| Core capital (leverage) ratio | 10.4621% | 2,932 |
| Tier 1 risk-based capital ratio | 13.0893% | 5,080 |
| Total risk-based capital ratio | 14.3006% | 5,048 |
| Memoranda: | ||
| Average total assets | $17,644,411,000 | 70 |
| Average earning assets | $16,372,790,330 | 68 |
| Average equity | $1,798,872,000 | 76 |
| Average total loans | $12,490,802,330 | 64 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0063% | 4,098 |
| Cost of funding earning assets | 0.2141% | 6,513 |
| Net interest margin | 3.7922% | 2,478 |
| Noninterest income to average assets | 1.2311% | 1,009 |
| Noninterest expense to average assets | 2.8095% | 3,660 |
| Loan and lease loss provision to assets | 0.0413% | 3,910 |
| Net operating income to assets | 1.1945% | 1,537 |
| Return on assets (ROA) | 1.2424% | 1,515 |
| Pretax return on assets | 1.9550% | 647 |
| Return on Equity (ROE) | 11.9805% | 1,432 |
| Retained earnings to average equity (ytd only) | -3.5463% | 6,237 |
| Net charge-offs to loans | 0.2501% | 1,956 |
| Credit loss provision to net charge-offs | 22.9531% | 2,995 |
| Earnings coverage of net charge-offs (x) | 10.6691% | 1,721 |
| Efficiency ratio | 59.3864% | 5,670 |
| Assets per employee ($millions) | 7.0404% | 750 |
| Cash dividends to net income (ytd only)* | 129.6008% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7659% | 851 |
| Loan loss allowance to noncurrent loans | 155.0934% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 1.4636% | 3,060 |
| Noncurrent loans to loans | 1.7834% | 2,889 |
| Net loans and leases to total assets | 71.8344% | 1,379 |
| Net loans and leases to deposits | 83.5486% | 1,645 |
| Net loans and leases to core deposits | 93.3963% | 1,383 |
| Total domestic deposits to total assets | 77.6672% | 6,164 |
| Equity capital to assets | 10.7271% | 3,284 |
| Core capital (leverage) ratio | 10.8033% | 2,454 |
| Tier 1 risk-based capital ratio | 13.0985% | 5,149 |
| Total risk-based capital ratio | 14.3066% | 5,132 |
| Memoranda: | ||
| Average total assets | $17,388,873,000 | 69 |
| Average earning assets | $16,048,367,000 | 68 |
| Average equity | $1,803,330,000 | 76 |
| Average total loans | $12,520,102,000 | 64 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3503% | 4,027 |
| Cost of funding earning assets | 0.2663% | 6,602 |
| Net interest margin | 4.0840% | 2,066 |
| Noninterest income to average assets | 1.2744% | 953 |
| Noninterest expense to average assets | 2.9655% | 3,402 |
| Loan and lease loss provision to assets | 0.5042% | 1,173 |
| Net operating income to assets | 1.0156% | 2,271 |
| Return on assets (ROA) | 1.0808% | 2,192 |
| Pretax return on assets | 1.6776% | 1,190 |
| Return on Equity (ROE) | 10.1311% | 2,115 |
| Retained earnings to average equity (ytd only) | 5.8557% | 2,157 |
| Net charge-offs to loans | 0.5894% | 1,963 |
| Credit loss provision to net charge-offs | 118.6683% | 2,420 |
| Earnings coverage of net charge-offs (x) | 4.8954% | 3,213 |
| Efficiency ratio | 58.7772% | 5,730 |
| Assets per employee ($millions) | 7.3364% | 670 |
| Cash dividends to net income (ytd only)* | 42.2014% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7816% | 836 |
| Loan loss allowance to noncurrent loans | 146.4236% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 1.4594% | 3,193 |
| Noncurrent loans to loans | 1.8997% | 2,805 |
| Net loans and leases to total assets | 68.2831% | 2,138 |
| Net loans and leases to deposits | 78.6067% | 2,449 |
| Net loans and leases to core deposits | 88.9362% | 1,978 |
| Total domestic deposits to total assets | 77.5194% | 6,163 |
| Equity capital to assets | 10.0356% | 4,120 |
| Core capital (leverage) ratio | 10.5782% | 2,676 |
| Tier 1 risk-based capital ratio | 12.9636% | 5,135 |
| Total risk-based capital ratio | 14.1717% | 5,109 |
| Memoranda: | ||
| Average total assets | $17,519,153,000 | 65 |
| Average earning assets | $16,176,390,000 | 64 |
| Average equity | $1,868,981,200 | 74 |
| Average total loans | $12,629,126,600 | 61 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4279% | 3,933 |
| Cost of funding earning assets | 0.2795% | 6,698 |
| Net interest margin | 4.1484% | 1,906 |
| Noninterest income to average assets | 1.2961% | 881 |
| Noninterest expense to average assets | 2.9873% | 3,277 |
| Loan and lease loss provision to assets | 0.5969% | 929 |
| Net operating income to assets | 0.9993% | 2,505 |
| Return on assets (ROA) | 1.0517% | 2,495 |
| Pretax return on assets | 1.6298% | 1,477 |
| Return on Equity (ROE) | 9.7097% | 2,496 |
| Retained earnings to average equity (ytd only) | 5.7581% | 2,861 |
| Net charge-offs to loans | 0.6832% | 1,617 |
| Credit loss provision to net charge-offs | 120.4009% | 2,407 |
| Earnings coverage of net charge-offs (x) | 4.3289% | 3,335 |
| Efficiency ratio | 58.1919% | 5,761 |
| Assets per employee ($millions) | 7.0984% | 708 |
| Cash dividends to net income (ytd only)* | 40.6974% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7554% | 928 |
| Loan loss allowance to noncurrent loans | 139.8867% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 1.6280% | 3,145 |
| Noncurrent loans to loans | 1.9697% | 2,871 |
| Net loans and leases to total assets | 71.7110% | 1,602 |
| Net loans and leases to deposits | 84.0121% | 1,870 |
| Net loans and leases to core deposits | 96.7075% | 1,350 |
| Total domestic deposits to total assets | 74.9518% | 6,526 |
| Equity capital to assets | 10.9144% | 3,364 |
| Core capital (leverage) ratio | 10.9146% | 2,469 |
| Tier 1 risk-based capital ratio | 13.3120% | 5,015 |
| Total risk-based capital ratio | 14.5185% | 5,008 |
| Memoranda: | ||
| Average total assets | $17,416,410,500 | 66 |
| Average earning assets | $16,110,616,750 | 66 |
| Average equity | $1,886,376,250 | 74 |
| Average total loans | $12,638,022,750 | 61 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4377% | 4,032 |
| Cost of funding earning assets | 0.2902% | 6,766 |
| Net interest margin | 4.1475% | 1,917 |
| Noninterest income to average assets | 1.3118% | 823 |
| Noninterest expense to average assets | 2.9777% | 3,344 |
| Loan and lease loss provision to assets | 0.6963% | 790 |
| Net operating income to assets | 0.9540% | 2,646 |
| Return on assets (ROA) | 1.0114% | 2,634 |
| Pretax return on assets | 1.5619% | 1,664 |
| Return on Equity (ROE) | 9.3620% | 2,641 |
| Retained earnings to average equity (ytd only) | 5.8755% | 2,780 |
| Net charge-offs to loans | 0.7209% | 1,531 |
| Credit loss provision to net charge-offs | 133.8081% | 2,053 |
| Earnings coverage of net charge-offs (x) | 4.1698% | 3,159 |
| Efficiency ratio | 57.8478% | 5,893 |
| Assets per employee ($millions) | 7.1886% | 669 |
| Cash dividends to net income (ytd only)* | 37.2410% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8047% | 937 |
| Loan loss allowance to noncurrent loans | 137.6364% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 1.6566% | 3,234 |
| Noncurrent loans to loans | 2.0378% | 2,906 |
| Net loans and leases to total assets | 68.6851% | 2,163 |
| Net loans and leases to deposits | 80.7803% | 2,267 |
| Net loans and leases to core deposits | 96.2396% | 1,410 |
| Total domestic deposits to total assets | 72.6179% | 6,772 |
| Equity capital to assets | 10.7816% | 3,360 |
| Core capital (leverage) ratio | 11.5385% | 1,875 |
| Tier 1 risk-based capital ratio | 13.9315% | 4,497 |
| Total risk-based capital ratio | 15.1364% | 4,505 |
| Memoranda: | ||
| Average total assets | $17,486,376,670 | 67 |
| Average earning assets | $16,171,630,670 | 67 |
| Average equity | $1,889,171,330 | 74 |
| Average total loans | $12,621,169,670 | 61 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5163% | 3,850 |
| Cost of funding earning assets | 0.3119% | 6,809 |
| Net interest margin | 4.2045% | 1,747 |
| Noninterest income to average assets | 1.3933% | 745 |
| Noninterest expense to average assets | 2.9518% | 3,440 |
| Loan and lease loss provision to assets | 0.9334% | 465 |
| Net operating income to assets | 0.9100% | 2,867 |
| Return on assets (ROA) | 0.9791% | 2,766 |
| Pretax return on assets | 1.5064% | 1,853 |
| Return on Equity (ROE) | 9.0534% | 2,801 |
| Retained earnings to average equity (ytd only) | 5.2317% | 3,414 |
| Net charge-offs to loans | 0.8421% | 1,222 |
| Credit loss provision to net charge-offs | 151.9377% | 1,646 |
| Earnings coverage of net charge-offs (x) | 3.7982% | 2,743 |
| Efficiency ratio | 55.8502% | 6,138 |
| Assets per employee ($millions) | 7.1047% | 718 |
| Cash dividends to net income (ytd only)* | 42.2132% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8087% | 997 |
| Loan loss allowance to noncurrent loans | 123.5099% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 1.8644% | 3,099 |
| Noncurrent loans to loans | 2.2740% | 2,830 |
| Net loans and leases to total assets | 70.5510% | 1,656 |
| Net loans and leases to deposits | 82.7550% | 1,823 |
| Net loans and leases to core deposits | 96.6740% | 1,239 |
| Total domestic deposits to total assets | 74.7959% | 6,674 |
| Equity capital to assets | 11.0319% | 2,865 |
| Core capital (leverage) ratio | 11.4494% | 1,930 |
| Tier 1 risk-based capital ratio | 13.8205% | 4,595 |
| Total risk-based capital ratio | 15.0582% | 4,583 |
| Memoranda: | ||
| Average total assets | $17,355,181,000 | 67 |
| Average earning assets | $16,065,065,500 | 66 |
| Average equity | $1,876,953,500 | 75 |
| Average total loans | $12,660,481,500 | 61 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9863% | 2,941 |
| Cost of funding earning assets | 0.4449% | 6,746 |
| Net interest margin | 4.5414% | 1,038 |
| Noninterest income to average assets | 1.1965% | 926 |
| Noninterest expense to average assets | 3.3294% | 2,423 |
| Loan and lease loss provision to assets | 0.7796% | 1,278 |
| Net operating income to assets | 0.8399% | 2,876 |
| Return on assets (ROA) | 0.9149% | 2,661 |
| Pretax return on assets | 1.3768% | 1,853 |
| Return on Equity (ROE) | 8.3828% | 2,724 |
| Retained earnings to average equity (ytd only) | 8.3828% | 961 |
| Net charge-offs to loans | 1.3966% | 1,170 |
| Credit loss provision to net charge-offs | 71.4382% | 4,799 |
| Earnings coverage of net charge-offs (x) | 1.8720% | 4,372 |
| Efficiency ratio | 61.9714% | 5,468 |
| Assets per employee ($millions) | 7.0492% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6178% | 1,169 |
| Loan loss allowance to noncurrent loans | 131.6361% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 1.6694% | 3,450 |
| Noncurrent loans to loans | 1.9887% | 3,224 |
| Net loans and leases to total assets | 71.3827% | 1,756 |
| Net loans and leases to deposits | 83.9586% | 1,928 |
| Net loans and leases to core deposits | 102.5384% | 989 |
| Total domestic deposits to total assets | 71.3776% | 6,906 |
| Equity capital to assets | 10.6023% | 3,415 |
| Core capital (leverage) ratio | 11.5916% | 1,824 |
| Tier 1 risk-based capital ratio | 13.3740% | 4,790 |
| Total risk-based capital ratio | 14.6100% | 4,771 |
| Memoranda: | ||
| Average total assets | $16,451,278,800 | 71 |
| Average earning assets | $15,126,549,800 | 71 |
| Average equity | $1,795,478,000 | 76 |
| Average total loans | $12,854,291,400 | 62 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0974% | 2,616 |
| Cost of funding earning assets | 0.4761% | 6,792 |
| Net interest margin | 4.6214% | 908 |
| Noninterest income to average assets | 1.2145% | 892 |
| Noninterest expense to average assets | 3.3502% | 2,353 |
| Loan and lease loss provision to assets | 0.7509% | 1,267 |
| Net operating income to assets | 0.8977% | 2,746 |
| Return on assets (ROA) | 0.9930% | 2,501 |
| Pretax return on assets | 1.5011% | 1,649 |
| Return on Equity (ROE) | 9.0284% | 2,583 |
| Retained earnings to average equity (ytd only) | 9.0284% | 1,134 |
| Net charge-offs to loans | 1.4286% | 1,037 |
| Credit loss provision to net charge-offs | 66.1662% | 4,602 |
| Earnings coverage of net charge-offs (x) | 1.8571% | 4,275 |
| Efficiency ratio | 61.3790% | 5,502 |
| Assets per employee ($millions) | 6.4792% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6725% | 1,163 |
| Loan loss allowance to noncurrent loans | 104.7135% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 2.3900% | 2,693 |
| Noncurrent loans to loans | 2.5522% | 2,715 |
| Net loans and leases to total assets | 76.8072% | 868 |
| Net loans and leases to deposits | 91.1147% | 1,097 |
| Net loans and leases to core deposits | 105.8595% | 876 |
| Total domestic deposits to total assets | 74.7954% | 6,662 |
| Equity capital to assets | 11.3110% | 2,856 |
| Core capital (leverage) ratio | 11.8103% | 1,823 |
| Tier 1 risk-based capital ratio | 13.1104% | 5,013 |
| Total risk-based capital ratio | 14.3426% | 5,005 |
| Memoranda: | ||
| Average total assets | $16,181,279,250 | 71 |
| Average earning assets | $14,857,639,500 | 70 |
| Average equity | $1,779,666,250 | 75 |
| Average total loans | $12,855,187,750 | 62 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0875% | 2,744 |
| Cost of funding earning assets | 0.4926% | 6,868 |
| Net interest margin | 4.5950% | 914 |
| Noninterest income to average assets | 1.2792% | 770 |
| Noninterest expense to average assets | 3.3211% | 2,494 |
| Loan and lease loss provision to assets | 0.7493% | 1,244 |
| Net operating income to assets | 0.9485% | 2,442 |
| Return on assets (ROA) | 0.9967% | 2,347 |
| Pretax return on assets | 1.5067% | 1,511 |
| Return on Equity (ROE) | 9.1493% | 2,451 |
| Retained earnings to average equity (ytd only) | 9.1493% | 1,058 |
| Net charge-offs to loans | 1.5025% | 987 |
| Credit loss provision to net charge-offs | 62.6370% | 4,281 |
| Earnings coverage of net charge-offs (x) | 1.8247% | 3,952 |
| Efficiency ratio | 60.3365% | 5,821 |
| Assets per employee ($millions) | 6.5320% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7420% | 1,134 |
| Loan loss allowance to noncurrent loans | 89.3441% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 2.7889% | 2,401 |
| Noncurrent loans to loans | 3.0691% | 2,356 |
| Net loans and leases to total assets | 76.2885% | 1,040 |
| Net loans and leases to deposits | 90.4049% | 1,227 |
| Net loans and leases to core deposits | 103.9873% | 1,043 |
| Total domestic deposits to total assets | 75.9319% | 6,609 |
| Equity capital to assets | 11.0425% | 2,910 |
| Core capital (leverage) ratio | 11.6259% | 1,833 |
| Tier 1 risk-based capital ratio | 12.7859% | 5,102 |
| Total risk-based capital ratio | 14.0145% | 5,090 |
| Memoranda: | ||
| Average total assets | $16,184,332,000 | 72 |
| Average earning assets | $14,880,540,000 | 72 |
| Average equity | $1,763,144,670 | 77 |
| Average total loans | $12,886,108,670 | 62 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0904% | 2,684 |
| Cost of funding earning assets | 0.5099% | 6,941 |
| Net interest margin | 4.5805% | 896 |
| Noninterest income to average assets | 1.3317% | 724 |
| Noninterest expense to average assets | 3.2716% | 2,643 |
| Loan and lease loss provision to assets | 0.9691% | 803 |
| Net operating income to assets | 0.8632% | 2,732 |
| Return on assets (ROA) | 0.9075% | 2,586 |
| Pretax return on assets | 1.3598% | 1,850 |
| Return on Equity (ROE) | 8.3881% | 2,743 |
| Retained earnings to average equity (ytd only) | 8.3881% | 1,590 |
| Net charge-offs to loans | 1.5253% | 891 |
| Credit loss provision to net charge-offs | 79.2019% | 3,177 |
| Earnings coverage of net charge-offs (x) | 1.8493% | 3,379 |
| Efficiency ratio | 59.1103% | 6,115 |
| Assets per employee ($millions) | 6.5584% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9333% | 973 |
| Loan loss allowance to noncurrent loans | 81.6529% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 3.3534% | 2,033 |
| Noncurrent loans to loans | 3.5923% | 2,068 |
| Net loans and leases to total assets | 77.8584% | 746 |
| Net loans and leases to deposits | 93.0111% | 917 |
| Net loans and leases to core deposits | 107.8325% | 847 |
| Total domestic deposits to total assets | 74.5911% | 6,845 |
| Equity capital to assets | 10.8197% | 2,859 |
| Core capital (leverage) ratio | 11.3528% | 1,931 |
| Tier 1 risk-based capital ratio | 12.3260% | 5,420 |
| Total risk-based capital ratio | 13.5505% | 5,428 |
| Memoranda: | ||
| Average total assets | $16,104,975,000 | 72 |
| Average earning assets | $14,776,691,500 | 72 |
| Average equity | $1,742,375,000 | 77 |
| Average total loans | $12,919,478,500 | 61 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2245% | 3,486 |
| Cost of funding earning assets | 0.6131% | 7,100 |
| Net interest margin | 4.6114% | 990 |
| Noninterest income to average assets | 0.9781% | 1,578 |
| Noninterest expense to average assets | 3.1955% | 3,111 |
| Loan and lease loss provision to assets | 2.0551% | 631 |
| Net operating income to assets | -0.0808% | 5,960 |
| Return on assets (ROA) | -0.2838% | 6,244 |
| Pretax return on assets | -0.3736% | 6,224 |
| Return on Equity (ROE) | -2.7675% | 6,257 |
| Retained earnings to average equity (ytd only) | -2.7675% | 6,077 |
| Net charge-offs to loans | 2.3811% | 801 |
| Credit loss provision to net charge-offs | 108.9478% | 4,051 |
| Earnings coverage of net charge-offs (x) | 1.0329% | 5,079 |
| Efficiency ratio | 62.0869% | 5,719 |
| Assets per employee ($millions) | 6.6453% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9887% | 880 |
| Loan loss allowance to noncurrent loans | 80.7496% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 3.5540% | 1,942 |
| Noncurrent loans to loans | 3.7012% | 2,007 |
| Net loans and leases to total assets | 77.8318% | 973 |
| Net loans and leases to deposits | 92.3184% | 1,232 |
| Net loans and leases to core deposits | 109.8418% | 929 |
| Total domestic deposits to total assets | 74.0124% | 6,893 |
| Equity capital to assets | 10.8181% | 2,840 |
| Core capital (leverage) ratio | 10.4311% | 2,634 |
| Tier 1 risk-based capital ratio | 11.6584% | 5,764 |
| Total risk-based capital ratio | 12.8808% | 5,793 |
| Memoranda: | ||
| Average total assets | $17,061,312,800 | 70 |
| Average earning assets | $15,412,646,000 | 69 |
| Average equity | $1,749,427,200 | 76 |
| Average total loans | $13,516,126,000 | 58 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2178% | 3,751 |
| Cost of funding earning assets | 0.6283% | 7,232 |
| Net interest margin | 4.5895% | 1,068 |
| Noninterest income to average assets | 0.8715% | 1,906 |
| Noninterest expense to average assets | 3.0543% | 3,558 |
| Loan and lease loss provision to assets | 2.0467% | 580 |
| Net operating income to assets | -0.0765% | 6,155 |
| Return on assets (ROA) | -0.3535% | 6,520 |
| Pretax return on assets | -0.4554% | 6,516 |
| Return on Equity (ROE) | -3.4926% | 6,537 |
| Retained earnings to average equity (ytd only) | -3.4926% | 6,405 |
| Net charge-offs to loans | 2.2026% | 818 |
| Credit loss provision to net charge-offs | 117.6475% | 3,525 |
| Earnings coverage of net charge-offs (x) | 1.1187% | 4,936 |
| Efficiency ratio | 61.0390% | 5,787 |
| Assets per employee ($millions) | 7.1103% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9883% | 832 |
| Loan loss allowance to noncurrent loans | 68.1737% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 4.1954% | 1,638 |
| Noncurrent loans to loans | 4.3834% | 1,659 |
| Net loans and leases to total assets | 75.7182% | 1,460 |
| Net loans and leases to deposits | 89.3635% | 1,810 |
| Net loans and leases to core deposits | 110.0772% | 1,030 |
| Total domestic deposits to total assets | 71.8186% | 7,148 |
| Equity capital to assets | 10.2437% | 3,829 |
| Core capital (leverage) ratio | 9.6404% | 3,692 |
| Tier 1 risk-based capital ratio | 11.0391% | 6,338 |
| Total risk-based capital ratio | 12.2581% | 6,354 |
| Memoranda: | ||
| Average total assets | $17,284,627,750 | 69 |
| Average earning assets | $15,550,365,500 | 69 |
| Average equity | $1,749,516,000 | 75 |
| Average total loans | $13,652,265,750 | 56 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2675% | 3,613 |
| Cost of funding earning assets | 0.6465% | 7,305 |
| Net interest margin | 4.6210% | 951 |
| Noninterest income to average assets | 0.8747% | 1,784 |
| Noninterest expense to average assets | 3.0065% | 3,690 |
| Loan and lease loss provision to assets | 2.0479% | 602 |
| Net operating income to assets | -0.0270% | 6,115 |
| Return on assets (ROA) | -0.5501% | 6,729 |
| Pretax return on assets | -0.6479% | 6,696 |
| Return on Equity (ROE) | -5.4566% | 6,735 |
| Retained earnings to average equity (ytd only) | -5.4566% | 6,606 |
| Net charge-offs to loans | 1.9243% | 957 |
| Credit loss provision to net charge-offs | 134.2156% | 2,992 |
| Earnings coverage of net charge-offs (x) | 1.3207% | 4,506 |
| Efficiency ratio | 59.8230% | 6,076 |
| Assets per employee ($millions) | 7.1205% | 728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9862% | 828 |
| Loan loss allowance to noncurrent loans | 57.0567% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 5.1475% | 1,233 |
| Noncurrent loans to loans | 5.2338% | 1,300 |
| Net loans and leases to total assets | 77.2852% | 1,235 |
| Net loans and leases to deposits | 93.2537% | 1,371 |
| Net loans and leases to core deposits | 111.0616% | 1,094 |
| Total domestic deposits to total assets | 72.4451% | 7,144 |
| Equity capital to assets | 10.3595% | 3,576 |
| Core capital (leverage) ratio | 9.2282% | 4,254 |
| Tier 1 risk-based capital ratio | 11.1134% | 6,130 |
| Total risk-based capital ratio | 12.3285% | 6,143 |
| Memoranda: | ||
| Average total assets | $17,348,418,000 | 67 |
| Average earning assets | $15,569,040,670 | 67 |
| Average equity | $1,749,029,330 | 73 |
| Average total loans | $13,755,888,330 | 56 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1819% | 4,121 |
| Cost of funding earning assets | 0.6697% | 7,400 |
| Net interest margin | 4.5122% | 1,113 |
| Noninterest income to average assets | 0.9992% | 1,314 |
| Noninterest expense to average assets | 2.8974% | 4,073 |
| Loan and lease loss provision to assets | 1.9885% | 557 |
| Net operating income to assets | 0.0894% | 6,054 |
| Return on assets (ROA) | -1.1359% | 7,203 |
| Pretax return on assets | -1.0680% | 7,084 |
| Return on Equity (ROE) | -11.4191% | 7,189 |
| Retained earnings to average equity (ytd only) | -11.4191% | 7,040 |
| Net charge-offs to loans | 1.7292% | 1,001 |
| Credit loss provision to net charge-offs | 145.3592% | 2,448 |
| Earnings coverage of net charge-offs (x) | 1.5686% | 3,790 |
| Efficiency ratio | 57.3937% | 6,578 |
| Assets per employee ($millions) | 7.2801% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8207% | 962 |
| Loan loss allowance to noncurrent loans | 54.0888% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 5.1114% | 1,244 |
| Noncurrent loans to loans | 5.2150% | 1,374 |
| Net loans and leases to total assets | 77.3509% | 1,275 |
| Net loans and leases to deposits | 93.1989% | 1,448 |
| Net loans and leases to core deposits | 115.6786% | 959 |
| Total domestic deposits to total assets | 74.9281% | 6,914 |
| Equity capital to assets | 10.1506% | 3,667 |
| Core capital (leverage) ratio | 9.2517% | 4,135 |
| Tier 1 risk-based capital ratio | 11.2182% | 5,935 |
| Total risk-based capital ratio | 12.4245% | 5,944 |
| Memoranda: | ||
| Average total assets | $17,527,928,000 | 65 |
| Average earning assets | $15,709,086,000 | 65 |
| Average equity | $1,743,539,500 | 72 |
| Average total loans | $13,866,602,000 | 54 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9679% | 6,534 |
| Cost of funding earning assets | 1.0860% | 7,021 |
| Net interest margin | 3.8820% | 3,340 |
| Noninterest income to average assets | 1.0621% | 1,366 |
| Noninterest expense to average assets | 2.6741% | 5,505 |
| Loan and lease loss provision to assets | 2.0669% | 1,031 |
| Net operating income to assets | -0.0171% | 5,522 |
| Return on assets (ROA) | -1.0475% | 6,612 |
| Pretax return on assets | -1.7929% | 6,858 |
| Return on Equity (ROE) | -13.7390% | 6,863 |
| Retained earnings to average equity (ytd only) | -13.7390% | 6,793 |
| Net charge-offs to loans | 1.7672% | 1,416 |
| Credit loss provision to net charge-offs | 156.9587% | 2,875 |
| Earnings coverage of net charge-offs (x) | 1.4305% | 4,692 |
| Efficiency ratio | 58.6127% | 6,678 |
| Assets per employee ($millions) | 7.6163% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5550% | 1,164 |
| Loan loss allowance to noncurrent loans | 51.2250% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 4.6318% | 1,383 |
| Noncurrent loans to loans | 4.9878% | 1,356 |
| Net loans and leases to total assets | 76.6355% | 1,661 |
| Net loans and leases to deposits | 99.0198% | 994 |
| Net loans and leases to core deposits | 112.6252% | 2,634 |
| Total domestic deposits to total assets | 70.5900% | 7,368 |
| Equity capital to assets | 9.7513% | 4,064 |
| Core capital (leverage) ratio | 8.8370% | 4,709 |
| Tier 1 risk-based capital ratio | 10.1231% | 6,771 |
| Total risk-based capital ratio | 11.3287% | 6,770 |
| Memoranda: | ||
| Average total assets | $19,372,465,600 | 61 |
| Average earning assets | $17,444,789,600 | 61 |
| Average equity | $1,477,010,000 | 78 |
| Average total loans | $14,435,492,800 | 54 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9319% | 6,811 |
| Cost of funding earning assets | 1.1789% | 6,952 |
| Net interest margin | 3.7530% | 3,851 |
| Noninterest income to average assets | 1.0496% | 1,442 |
| Noninterest expense to average assets | 2.5693% | 5,827 |
| Loan and lease loss provision to assets | 2.5291% | 652 |
| Net operating income to assets | -0.3163% | 6,223 |
| Return on assets (ROA) | -1.4842% | 7,101 |
| Pretax return on assets | -2.4855% | 7,344 |
| Return on Equity (ROE) | -20.7774% | 7,401 |
| Retained earnings to average equity (ytd only) | -20.7774% | 7,371 |
| Net charge-offs to loans | 1.9186% | 1,042 |
| Credit loss provision to net charge-offs | 179.1468% | 2,564 |
| Earnings coverage of net charge-offs (x) | 1.3235% | 4,795 |
| Efficiency ratio | 57.8368% | 6,739 |
| Assets per employee ($millions) | 7.7410% | 568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6334% | 937 |
| Loan loss allowance to noncurrent loans | 58.8795% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 4.1065% | 1,541 |
| Noncurrent loans to loans | 4.4726% | 1,568 |
| Net loans and leases to total assets | 76.0140% | 1,993 |
| Net loans and leases to deposits | 93.0521% | 2,052 |
| Net loans and leases to core deposits | 110.5824% | 3,174 |
| Total domestic deposits to total assets | 71.6628% | 7,254 |
| Equity capital to assets | 9.0490% | 5,417 |
| Core capital (leverage) ratio | 8.7690% | 5,021 |
| Tier 1 risk-based capital ratio | 9.8142% | 7,126 |
| Total risk-based capital ratio | 11.0392% | 7,111 |
| Memoranda: | ||
| Average total assets | $19,750,529,250 | 64 |
| Average earning assets | $17,830,856,750 | 64 |
| Average equity | $1,410,859,750 | 87 |
| Average total loans | $14,532,831,750 | 58 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8173% | 7,196 |
| Cost of funding earning assets | 1.2980% | 6,816 |
| Net interest margin | 3.5193% | 4,709 |
| Noninterest income to average assets | 1.0877% | 1,350 |
| Noninterest expense to average assets | 2.5996% | 5,742 |
| Loan and lease loss provision to assets | 2.8414% | 534 |
| Net operating income to assets | -0.6486% | 6,701 |
| Return on assets (ROA) | -1.9794% | 7,419 |
| Pretax return on assets | -3.2527% | 7,624 |
| Return on Equity (ROE) | -30.1586% | 7,708 |
| Retained earnings to average equity (ytd only) | -30.1586% | 7,685 |
| Net charge-offs to loans | 1.8994% | 985 |
| Credit loss provision to net charge-offs | 207.1438% | 2,206 |
| Earnings coverage of net charge-offs (x) | 1.2161% | 4,620 |
| Efficiency ratio | 60.8544% | 6,419 |
| Assets per employee ($millions) | 7.6068% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5034% | 894 |
| Loan loss allowance to noncurrent loans | 65.0155% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 3.5913% | 1,726 |
| Noncurrent loans to loans | 3.8505% | 1,764 |
| Net loans and leases to total assets | 75.6928% | 2,259 |
| Net loans and leases to deposits | 91.8821% | 2,493 |
| Net loans and leases to core deposits | 110.4242% | 3,336 |
| Total domestic deposits to total assets | 73.2077% | 7,078 |
| Equity capital to assets | 7.7174% | 7,053 |
| Core capital (leverage) ratio | 7.5814% | 6,923 |
| Tier 1 risk-based capital ratio | 8.4453% | 7,852 |
| Total risk-based capital ratio | 10.7893% | 7,317 |
| Memoranda: | ||
| Average total assets | $20,187,650,670 | 67 |
| Average earning assets | $18,241,164,670 | 67 |
| Average equity | $1,324,956,670 | 98 |
| Average total loans | $14,578,631,000 | 60 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5664% | 7,651 |
| Cost of funding earning assets | 1.3912% | 6,767 |
| Net interest margin | 3.1752% | 5,937 |
| Noninterest income to average assets | 1.1367% | 1,143 |
| Noninterest expense to average assets | 2.0593% | 7,217 |
| Loan and lease loss provision to assets | 1.2398% | 1,045 |
| Net operating income to assets | 0.5915% | 4,049 |
| Return on assets (ROA) | -1.7719% | 7,596 |
| Pretax return on assets | -2.9725% | 7,748 |
| Return on Equity (ROE) | -29.2843% | 7,901 |
| Retained earnings to average equity (ytd only) | -29.2843% | 7,850 |
| Net charge-offs to loans | 1.1531% | 1,189 |
| Credit loss provision to net charge-offs | 154.0175% | 2,712 |
| Earnings coverage of net charge-offs (x) | 2.4351% | 3,518 |
| Efficiency ratio | 51.1728% | 7,493 |
| Assets per employee ($millions) | 8.5370% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6252% | 2,422 |
| Loan loss allowance to noncurrent loans | 48.3804% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 2.8445% | 1,997 |
| Noncurrent loans to loans | 3.3592% | 1,911 |
| Net loans and leases to total assets | 67.6079% | 4,221 |
| Net loans and leases to deposits | 86.3524% | 3,572 |
| Net loans and leases to core deposits | 106.9565% | 3,801 |
| Total domestic deposits to total assets | 69.4299% | 7,478 |
| Equity capital to assets | 5.8752% | 8,019 |
| Core capital (leverage) ratio | 6.8312% | 7,747 |
| Tier 1 risk-based capital ratio | 7.7317% | 8,034 |
| Total risk-based capital ratio | 10.0839% | 7,913 |
| Memoranda: | ||
| Average total assets | $20,970,734,000 | 68 |
| Average earning assets | $19,039,739,000 | 68 |
| Average equity | $1,268,885,500 | 102 |
| Average total loans | $14,639,426,500 | 61 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0977% | 5,056 |
| Cost of funding earning assets | 2.3799% | 4,816 |
| Net interest margin | 3.7179% | 4,393 |
| Noninterest income to average assets | 1.3801% | 757 |
| Noninterest expense to average assets | 2.6376% | 5,501 |
| Loan and lease loss provision to assets | 0.8384% | 1,781 |
| Net operating income to assets | 0.8782% | 3,100 |
| Return on assets (ROA) | 0.5484% | 4,387 |
| Pretax return on assets | 0.7749% | 4,158 |
| Return on Equity (ROE) | 9.6271% | 2,386 |
| Retained earnings to average equity (ytd only) | 6.9198% | 1,181 |
| Net charge-offs to loans | 0.5310% | 2,235 |
| Credit loss provision to net charge-offs | 216.2470% | 2,226 |
| Earnings coverage of net charge-offs (x) | 5.3591% | 3,671 |
| Efficiency ratio | 55.8810% | 7,029 |
| Assets per employee ($millions) | 8.2290% | 437 |
| Cash dividends to net income (ytd only)* | 28.1215% | 4,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4495% | 2,928 |
| Loan loss allowance to noncurrent loans | 49.9533% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 2.4460% | 1,983 |
| Noncurrent loans to loans | 2.9017% | 1,854 |
| Net loans and leases to total assets | 69.8851% | 4,046 |
| Net loans and leases to deposits | 90.0886% | 3,440 |
| Net loans and leases to core deposits | 119.8064% | 2,706 |
| Total domestic deposits to total assets | 66.8505% | 7,589 |
| Equity capital to assets | 6.2296% | 8,010 |
| Core capital (leverage) ratio | 6.9103% | 7,753 |
| Tier 1 risk-based capital ratio | 8.3214% | 8,029 |
| Total risk-based capital ratio | 11.3259% | 6,532 |
| Memoranda: | ||
| Average total assets | $19,453,725,800 | 67 |
| Average earning assets | $17,451,636,400 | 68 |
| Average equity | $1,108,127,400 | 107 |
| Average total loans | $14,202,879,400 | 63 |