Home > Apple Bank > Performance and Condition Ratios
Apple Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9959% | 2,075 |
| Cost of funding earning assets | 2.1846% | 664 |
| Net interest margin | 2.8112% | 3,637 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 1.8287% | 3,954 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 0.7146% | 3,151 |
| Return on assets (ROA) | 0.7149% | 3,130 |
| Pretax return on assets | 0.9565% | 2,791 |
| Return on Equity (ROE) | 8.8400% | 2,798 |
| Retained earnings to average equity (ytd only) | 8.4216% | 1,419 |
| Net charge-offs to loans | 0.0480% | 1,394 |
| Credit loss provision to net charge-offs | -119.9892% | 4,484 |
| Earnings coverage of net charge-offs (x) | 27.9392% | 1,673 |
| Efficiency ratio | 66.5916% | 2,276 |
| Assets per employee ($millions) | 12.6312% | 356 |
| Cash dividends to net income (ytd only)* | 4.7424% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3730% | 4,398 |
| Loan loss allowance to noncurrent loans | 205.5417% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 2,706 |
| Noncurrent loans to loans | 0.1815% | 2,605 |
| Net loans and leases to total assets | 68.4100% | 1,986 |
| Net loans and leases to deposits | 78.4184% | 2,231 |
| Net loans and leases to core deposits | 95.2226% | 1,698 |
| Total domestic deposits to total assets | 87.2400% | 1,605 |
| Equity capital to assets | 8.6180% | 2,957 |
| Core capital (leverage) ratio | 8.3736% | 4,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2514% | 2,514 |
| Memoranda: | ||
| Average total assets | $16,880,758,400 | 110 |
| Average earning assets | $15,766,020,200 | 107 |
| Average equity | $1,364,994,600 | 129 |
| Average total loans | $11,543,304,800 | 109 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9080% | 2,043 |
| Cost of funding earning assets | 2.0472% | 652 |
| Net interest margin | 2.8607% | 3,614 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 1.8034% | 3,968 |
| Loan and lease loss provision to assets | -0.0400% | 4,449 |
| Net operating income to assets | 0.7657% | 3,120 |
| Return on assets (ROA) | 0.7647% | 3,119 |
| Pretax return on assets | 1.0419% | 2,739 |
| Return on Equity (ROE) | 9.6200% | 2,759 |
| Retained earnings to average equity (ytd only) | 9.2389% | 1,623 |
| Net charge-offs to loans | 0.0424% | 1,279 |
| Credit loss provision to net charge-offs | -133.8974% | 4,535 |
| Earnings coverage of net charge-offs (x) | 34.6094% | 1,522 |
| Efficiency ratio | 64.2519% | 2,468 |
| Assets per employee ($millions) | 12.3838% | 342 |
| Cash dividends to net income (ytd only)* | 3.9318% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4060% | 4,406 |
| Loan loss allowance to noncurrent loans | 220.9377% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.1276% | 2,708 |
| Noncurrent loans to loans | 0.1838% | 2,623 |
| Net loans and leases to total assets | 68.5900% | 1,989 |
| Net loans and leases to deposits | 77.0677% | 2,326 |
| Net loans and leases to core deposits | 93.3036% | 1,712 |
| Total domestic deposits to total assets | 89.0000% | 1,249 |
| Equity capital to assets | 8.3072% | 2,850 |
| Core capital (leverage) ratio | 8.2152% | 4,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2448% | 2,531 |
| Memoranda: | ||
| Average total assets | $16,850,539,500 | 111 |
| Average earning assets | $15,734,331,000 | 107 |
| Average equity | $1,339,941,500 | 132 |
| Average total loans | $11,510,515,750 | 111 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7672% | 2,069 |
| Cost of funding earning assets | 1.8741% | 644 |
| Net interest margin | 2.8931% | 3,657 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 1.7986% | 4,004 |
| Loan and lease loss provision to assets | -0.0700% | 4,532 |
| Net operating income to assets | 0.7770% | 3,150 |
| Return on assets (ROA) | 0.7771% | 3,163 |
| Pretax return on assets | 1.0719% | 2,718 |
| Return on Equity (ROE) | 9.9200% | 2,722 |
| Retained earnings to average equity (ytd only) | 9.3439% | 1,593 |
| Net charge-offs to loans | 0.0399% | 1,121 |
| Credit loss provision to net charge-offs | -252.1625% | 4,573 |
| Earnings coverage of net charge-offs (x) | 36.9375% | 1,448 |
| Efficiency ratio | 64.1798% | 2,461 |
| Assets per employee ($millions) | 12.2690% | 351 |
| Cash dividends to net income (ytd only)* | 5.8061% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4133% | 4,434 |
| Loan loss allowance to noncurrent loans | 228.2725% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.1251% | 2,669 |
| Noncurrent loans to loans | 0.1811% | 2,572 |
| Net loans and leases to total assets | 68.1900% | 1,947 |
| Net loans and leases to deposits | 76.2774% | 2,285 |
| Net loans and leases to core deposits | 92.3621% | 1,660 |
| Total domestic deposits to total assets | 89.4000% | 1,110 |
| Equity capital to assets | 7.9804% | 3,231 |
| Core capital (leverage) ratio | 7.7336% | 4,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8432% | 2,673 |
| Memoranda: | ||
| Average total assets | $16,845,128,000 | 107 |
| Average earning assets | $15,740,778,333 | 104 |
| Average equity | $1,319,535,333 | 130 |
| Average total loans | $11,475,179,000 | 109 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5846% | 2,126 |
| Cost of funding earning assets | 1.6821% | 600 |
| Net interest margin | 2.9025% | 3,791 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 1.7942% | 4,036 |
| Loan and lease loss provision to assets | -0.1600% | 4,612 |
| Net operating income to assets | 0.8275% | 3,103 |
| Return on assets (ROA) | 0.8289% | 3,054 |
| Pretax return on assets | 1.1527% | 2,551 |
| Return on Equity (ROE) | 10.6800% | 2,583 |
| Retained earnings to average equity (ytd only) | 10.1009% | 1,674 |
| Net charge-offs to loans | 0.0409% | 949 |
| Credit loss provision to net charge-offs | -656.1059% | 4,638 |
| Earnings coverage of net charge-offs (x) | 35.8121% | 1,229 |
| Efficiency ratio | 64.3083% | 2,415 |
| Assets per employee ($millions) | 12.7556% | 319 |
| Cash dividends to net income (ytd only)* | 5.4429% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4093% | 4,493 |
| Loan loss allowance to noncurrent loans | 219.0329% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 2,620 |
| Noncurrent loans to loans | 0.1868% | 2,544 |
| Net loans and leases to total assets | 67.5600% | 1,891 |
| Net loans and leases to deposits | 75.3627% | 2,171 |
| Net loans and leases to core deposits | 89.4877% | 1,649 |
| Total domestic deposits to total assets | 89.6400% | 1,285 |
| Equity capital to assets | 7.8601% | 3,339 |
| Core capital (leverage) ratio | 7.5548% | 4,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9217% | 2,749 |
| Memoranda: | ||
| Average total assets | $16,845,006,000 | 111 |
| Average earning assets | $15,748,957,500 | 107 |
| Average equity | $1,307,136,000 | 135 |
| Average total loans | $11,445,380,500 | 112 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1748% | 3,864 |
| Cost of funding earning assets | 0.6589% | 695 |
| Net interest margin | 2.5158% | 4,273 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.7709% | 4,065 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5684% | 3,947 |
| Return on assets (ROA) | 0.5655% | 3,921 |
| Pretax return on assets | 0.7924% | 3,645 |
| Return on Equity (ROE) | 7.1100% | 3,618 |
| Retained earnings to average equity (ytd only) | 6.5313% | 2,438 |
| Net charge-offs to loans | 0.0166% | 1,780 |
| Credit loss provision to net charge-offs | -43.4641% | 4,562 |
| Earnings coverage of net charge-offs (x) | 71.2658% | 1,149 |
| Efficiency ratio | 68.9982% | 1,824 |
| Assets per employee ($millions) | 12.8320% | 318 |
| Cash dividends to net income (ytd only)* | 8.1727% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4874% | 4,446 |
| Loan loss allowance to noncurrent loans | 99.3299% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.3346% | 1,512 |
| Noncurrent loans to loans | 0.4907% | 1,471 |
| Net loans and leases to total assets | 67.6400% | 1,867 |
| Net loans and leases to deposits | 75.4566% | 2,137 |
| Net loans and leases to core deposits | 88.4967% | 1,582 |
| Total domestic deposits to total assets | 89.6400% | 1,505 |
| Equity capital to assets | 7.6489% | 3,287 |
| Core capital (leverage) ratio | 7.4350% | 4,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0222% | 2,728 |
| Memoranda: | ||
| Average total assets | $16,444,286,200 | 114 |
| Average earning assets | $15,370,666,200 | 110 |
| Average equity | $1,307,431,400 | 138 |
| Average total loans | $11,043,914,800 | 109 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8607% | 4,116 |
| Cost of funding earning assets | 0.4617% | 924 |
| Net interest margin | 2.3990% | 4,327 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 1.7317% | 4,111 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 0.4774% | 4,123 |
| Return on assets (ROA) | 0.4734% | 4,078 |
| Pretax return on assets | 0.6471% | 3,903 |
| Return on Equity (ROE) | 5.9000% | 3,816 |
| Retained earnings to average equity (ytd only) | 5.3181% | 2,988 |
| Net charge-offs to loans | 0.0128% | 1,641 |
| Credit loss provision to net charge-offs | -152.7567% | 4,653 |
| Earnings coverage of net charge-offs (x) | 75.1977% | 1,075 |
| Efficiency ratio | 72.8580% | 1,400 |
| Assets per employee ($millions) | 12.8908% | 308 |
| Cash dividends to net income (ytd only)* | 9.8183% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4810% | 4,487 |
| Loan loss allowance to noncurrent loans | 93.5331% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.3554% | 1,526 |
| Noncurrent loans to loans | 0.5142% | 1,512 |
| Net loans and leases to total assets | 68.5800% | 1,606 |
| Net loans and leases to deposits | 76.1972% | 1,860 |
| Net loans and leases to core deposits | 87.9901% | 1,413 |
| Total domestic deposits to total assets | 90.0000% | 1,665 |
| Equity capital to assets | 7.5189% | 3,214 |
| Core capital (leverage) ratio | 7.2472% | 4,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5402% | 2,935 |
| Memoranda: | ||
| Average total assets | $16,349,665,750 | 117 |
| Average earning assets | $15,290,815,500 | 111 |
| Average equity | $1,312,601,500 | 140 |
| Average total loans | $10,946,170,500 | 111 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5305% | 4,350 |
| Cost of funding earning assets | 0.2974% | 1,733 |
| Net interest margin | 2.2332% | 4,396 |
| Noninterest income to average assets | 0.1127% | 4,434 |
| Noninterest expense to average assets | 1.6635% | 4,194 |
| Loan and lease loss provision to assets | -0.0692% | 4,555 |
| Net operating income to assets | 0.4522% | 3,998 |
| Return on assets (ROA) | 0.4482% | 3,959 |
| Pretax return on assets | 0.6033% | 3,811 |
| Return on Equity (ROE) | 5.4624% | 3,718 |
| Retained earnings to average equity (ytd only) | 4.8905% | 2,744 |
| Net charge-offs to loans | 0.0094% | 1,635 |
| Credit loss provision to net charge-offs | -1,255.0696% | 3,602 |
| Earnings coverage of net charge-offs (x) | 86.7932% | 890 |
| Efficiency ratio | 75.5242% | 1,332 |
| Assets per employee ($millions) | 12.3121% | 345 |
| Cash dividends to net income (ytd only)* | 10.4703% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4695% | 4,577 |
| Loan loss allowance to noncurrent loans | 83.8404% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 1,491 |
| Noncurrent loans to loans | 0.5600% | 1,498 |
| Net loans and leases to total assets | 66.6923% | 1,611 |
| Net loans and leases to deposits | 76.2694% | 1,670 |
| Net loans and leases to core deposits | 84.7839% | 1,406 |
| Total domestic deposits to total assets | 87.4431% | 2,787 |
| Equity capital to assets | 7.7999% | 3,267 |
| Core capital (leverage) ratio | 7.4467% | 4,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6544% | 2,632 |
| Memoranda: | ||
| Average total assets | $16,196,346,333 | 117 |
| Average earning assets | $15,156,826,333 | 114 |
| Average equity | $1,328,834,667 | 142 |
| Average total loans | $10,733,588,333 | 110 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3753% | 4,398 |
| Cost of funding earning assets | 0.2628% | 2,009 |
| Net interest margin | 2.1125% | 4,428 |
| Noninterest income to average assets | 0.0735% | 4,597 |
| Noninterest expense to average assets | 1.6451% | 4,220 |
| Loan and lease loss provision to assets | -0.0718% | 4,553 |
| Net operating income to assets | 0.3626% | 4,034 |
| Return on assets (ROA) | 0.3579% | 4,006 |
| Pretax return on assets | 0.4731% | 3,913 |
| Return on Equity (ROE) | 4.2554% | 3,808 |
| Retained earnings to average equity (ytd only) | 3.6941% | 3,043 |
| Net charge-offs to loans | 0.0065% | 1,520 |
| Credit loss provision to net charge-offs | -1,643.0233% | 3,357 |
| Earnings coverage of net charge-offs (x) | 95.3023% | 688 |
| Efficiency ratio | 80.1578% | 1,141 |
| Assets per employee ($millions) | 12.2962% | 363 |
| Cash dividends to net income (ytd only)* | 13.1889% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5157% | 4,576 |
| Loan loss allowance to noncurrent loans | 73.6562% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 0.4660% | 1,312 |
| Noncurrent loans to loans | 0.7002% | 1,357 |
| Net loans and leases to total assets | 66.1614% | 1,392 |
| Net loans and leases to deposits | 75.5157% | 1,486 |
| Net loans and leases to core deposits | 82.9195% | 1,300 |
| Total domestic deposits to total assets | 87.6128% | 2,701 |
| Equity capital to assets | 8.1292% | 3,468 |
| Core capital (leverage) ratio | 7.4724% | 4,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1119% | 2,572 |
| Memoranda: | ||
| Average total assets | $16,100,841,500 | 119 |
| Average earning assets | $15,082,305,500 | 117 |
| Average equity | $1,354,151,500 | 142 |
| Average total loans | $10,610,052,500 | 110 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3871% | 4,546 |
| Cost of funding earning assets | 0.4275% | 1,345 |
| Net interest margin | 1.9597% | 4,615 |
| Noninterest income to average assets | 0.1544% | 4,379 |
| Noninterest expense to average assets | 1.5982% | 4,426 |
| Loan and lease loss provision to assets | -0.0168% | 4,205 |
| Net operating income to assets | 0.3073% | 4,413 |
| Return on assets (ROA) | 0.3103% | 4,432 |
| Pretax return on assets | 0.4180% | 4,373 |
| Return on Equity (ROE) | 3.5870% | 4,278 |
| Retained earnings to average equity (ytd only) | 3.0421% | 3,615 |
| Net charge-offs to loans | 0.0637% | 1,149 |
| Credit loss provision to net charge-offs | -67.3709% | 3,295 |
| Earnings coverage of net charge-offs (x) | 9.5301% | 2,256 |
| Efficiency ratio | 80.0891% | 799 |
| Assets per employee ($millions) | 12.2853% | 370 |
| Cash dividends to net income (ytd only)* | 15.1918% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5568% | 4,577 |
| Loan loss allowance to noncurrent loans | 92.6216% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 0.3929% | 1,650 |
| Noncurrent loans to loans | 0.6012% | 1,631 |
| Net loans and leases to total assets | 64.9238% | 1,591 |
| Net loans and leases to deposits | 74.5562% | 1,684 |
| Net loans and leases to core deposits | 82.2134% | 1,447 |
| Total domestic deposits to total assets | 87.0803% | 2,486 |
| Equity capital to assets | 8.6933% | 3,892 |
| Core capital (leverage) ratio | 7.3307% | 4,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5078% | 2,448 |
| Memoranda: | ||
| Average total assets | $16,120,666,200 | 117 |
| Average earning assets | $15,145,492,200 | 114 |
| Average equity | $1,394,681,800 | 140 |
| Average total loans | $10,553,005,000 | 112 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3684% | 4,645 |
| Cost of funding earning assets | 0.4640% | 1,261 |
| Net interest margin | 1.9044% | 4,716 |
| Noninterest income to average assets | 0.1567% | 4,417 |
| Noninterest expense to average assets | 1.5817% | 4,483 |
| Loan and lease loss provision to assets | -0.0225% | 4,363 |
| Net operating income to assets | 0.2910% | 4,531 |
| Return on assets (ROA) | 0.2954% | 4,547 |
| Pretax return on assets | 0.3930% | 4,504 |
| Return on Equity (ROE) | 3.4184% | 4,397 |
| Retained earnings to average equity (ytd only) | 2.8734% | 3,945 |
| Net charge-offs to loans | 0.0846% | 839 |
| Credit loss provision to net charge-offs | -53.2657% | 3,146 |
| Earnings coverage of net charge-offs (x) | 6.5872% | 2,169 |
| Efficiency ratio | 81.2503% | 686 |
| Assets per employee ($millions) | 12.3834% | 345 |
| Cash dividends to net income (ytd only)* | 15.9441% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5601% | 4,662 |
| Loan loss allowance to noncurrent loans | 92.0732% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 0.4001% | 1,852 |
| Noncurrent loans to loans | 0.6084% | 1,786 |
| Net loans and leases to total assets | 65.3414% | 1,616 |
| Net loans and leases to deposits | 74.5054% | 1,810 |
| Net loans and leases to core deposits | 82.4784% | 1,537 |
| Total domestic deposits to total assets | 87.7002% | 2,008 |
| Equity capital to assets | 8.7035% | 4,065 |
| Core capital (leverage) ratio | 7.2946% | 4,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4799% | 2,553 |
| Memoranda: | ||
| Average total assets | $16,136,623,250 | 116 |
| Average earning assets | $15,167,183,500 | 115 |
| Average equity | $1,394,386,750 | 139 |
| Average total loans | $10,570,487,250 | 113 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3395% | 4,704 |
| Cost of funding earning assets | 0.4946% | 1,234 |
| Net interest margin | 1.8449% | 4,773 |
| Noninterest income to average assets | 0.1776% | 4,310 |
| Noninterest expense to average assets | 1.5716% | 4,548 |
| Loan and lease loss provision to assets | -0.0337% | 4,474 |
| Net operating income to assets | 0.2824% | 4,546 |
| Return on assets (ROA) | 0.2891% | 4,557 |
| Pretax return on assets | 0.3828% | 4,517 |
| Return on Equity (ROE) | 3.3540% | 4,424 |
| Retained earnings to average equity (ytd only) | 2.8078% | 3,903 |
| Net charge-offs to loans | 0.1336% | 594 |
| Credit loss provision to net charge-offs | -43.4949% | 2,972 |
| Earnings coverage of net charge-offs (x) | 3.8953% | 2,051 |
| Efficiency ratio | 82.1896% | 661 |
| Assets per employee ($millions) | 12.1683% | 335 |
| Cash dividends to net income (ytd only)* | 16.2852% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5659% | 4,688 |
| Loan loss allowance to noncurrent loans | 76.1715% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 0.4874% | 1,717 |
| Noncurrent loans to loans | 0.7429% | 1,608 |
| Net loans and leases to total assets | 65.1827% | 1,801 |
| Net loans and leases to deposits | 72.5908% | 2,152 |
| Net loans and leases to core deposits | 81.7970% | 1,738 |
| Total domestic deposits to total assets | 89.7947% | 874 |
| Equity capital to assets | 8.7583% | 4,005 |
| Core capital (leverage) ratio | 7.1461% | 4,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7493% | 2,458 |
| Memoranda: | ||
| Average total assets | $16,141,109,667 | 116 |
| Average earning assets | $15,175,291,333 | 114 |
| Average equity | $1,391,420,333 | 139 |
| Average total loans | $10,562,500,000 | 115 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3005% | 4,759 |
| Cost of funding earning assets | 0.5248% | 1,240 |
| Net interest margin | 1.7756% | 4,819 |
| Noninterest income to average assets | 0.1984% | 4,199 |
| Noninterest expense to average assets | 1.5525% | 4,598 |
| Loan and lease loss provision to assets | 0.1621% | 776 |
| Net operating income to assets | 0.1283% | 4,687 |
| Return on assets (ROA) | 0.1422% | 4,697 |
| Pretax return on assets | 0.1708% | 4,688 |
| Return on Equity (ROE) | 1.6632% | 4,642 |
| Retained earnings to average equity (ytd only) | 1.1144% | 4,194 |
| Net charge-offs to loans | 0.0002% | 1,928 |
| Credit loss provision to net charge-offs | 129,380.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 2,559.0000% | 25 |
| Efficiency ratio | 83.0852% | 644 |
| Assets per employee ($millions) | 12.3861% | 315 |
| Cash dividends to net income (ytd only)* | 32.9976% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7214% | 4,539 |
| Loan loss allowance to noncurrent loans | 67.1542% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 0.6992% | 1,342 |
| Noncurrent loans to loans | 1.0743% | 1,251 |
| Net loans and leases to total assets | 64.5769% | 1,971 |
| Net loans and leases to deposits | 71.6337% | 2,347 |
| Net loans and leases to core deposits | 81.0977% | 1,900 |
| Total domestic deposits to total assets | 90.1488% | 751 |
| Equity capital to assets | 8.4608% | 4,144 |
| Core capital (leverage) ratio | 7.0408% | 4,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9004% | 2,324 |
| Memoranda: | ||
| Average total assets | $16,192,744,500 | 117 |
| Average earning assets | $15,230,894,500 | 112 |
| Average equity | $1,384,806,500 | 140 |
| Average total loans | $10,587,055,500 | 115 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7238% | 4,788 |
| Cost of funding earning assets | 0.8726% | 937 |
| Net interest margin | 1.8512% | 4,873 |
| Noninterest income to average assets | 0.0951% | 4,756 |
| Noninterest expense to average assets | 1.4584% | 4,809 |
| Loan and lease loss provision to assets | 0.2549% | 1,521 |
| Net operating income to assets | 0.0931% | 4,676 |
| Return on assets (ROA) | 0.1431% | 4,681 |
| Pretax return on assets | 0.1937% | 4,656 |
| Return on Equity (ROE) | 1.6732% | 4,602 |
| Retained earnings to average equity (ytd only) | 1.1172% | 4,180 |
| Net charge-offs to loans | 0.0005% | 3,422 |
| Credit loss provision to net charge-offs | 84,870.8333% | 9 |
| Earnings coverage of net charge-offs (x) | 1,282.4792% | 86 |
| Efficiency ratio | 79.0827% | 952 |
| Assets per employee ($millions) | 12.7554% | 280 |
| Cash dividends to net income (ytd only)* | 33.2284% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6957% | 4,594 |
| Loan loss allowance to noncurrent loans | 259.4974% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 3,396 |
| Noncurrent loans to loans | 0.2681% | 3,235 |
| Net loans and leases to total assets | 65.2535% | 2,195 |
| Net loans and leases to deposits | 72.6769% | 2,621 |
| Net loans and leases to core deposits | 83.6034% | 2,072 |
| Total domestic deposits to total assets | 89.7858% | 643 |
| Equity capital to assets | 8.6290% | 4,348 |
| Core capital (leverage) ratio | 6.9157% | 4,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7478% | 2,335 |
| Memoranda: | ||
| Average total assets | $15,979,316,000 | 111 |
| Average earning assets | $15,092,979,800 | 104 |
| Average equity | $1,366,932,000 | 141 |
| Average total loans | $10,431,299,600 | 111 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8050% | 4,833 |
| Cost of funding earning assets | 0.9573% | 887 |
| Net interest margin | 1.8477% | 4,929 |
| Noninterest income to average assets | 0.0836% | 4,810 |
| Noninterest expense to average assets | 1.3637% | 4,881 |
| Loan and lease loss provision to assets | 0.2028% | 1,975 |
| Net operating income to assets | 0.2000% | 4,596 |
| Return on assets (ROA) | 0.2670% | 4,541 |
| Pretax return on assets | 0.3494% | 4,491 |
| Return on Equity (ROE) | 3.1285% | 4,364 |
| Retained earnings to average equity (ytd only) | 2.5696% | 3,698 |
| Net charge-offs to loans | 0.0004% | 3,235 |
| Credit loss provision to net charge-offs | 75,718.7500% | 11 |
| Earnings coverage of net charge-offs (x) | 1,744.9063% | 68 |
| Efficiency ratio | 74.4553% | 1,365 |
| Assets per employee ($millions) | 13.2566% | 240 |
| Cash dividends to net income (ytd only)* | 17.8650% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5333% | 4,787 |
| Loan loss allowance to noncurrent loans | 147.7659% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.2384% | 3,253 |
| Noncurrent loans to loans | 0.3609% | 2,991 |
| Net loans and leases to total assets | 65.6008% | 2,566 |
| Net loans and leases to deposits | 73.0068% | 3,032 |
| Net loans and leases to core deposits | 85.6706% | 2,327 |
| Total domestic deposits to total assets | 89.8557% | 479 |
| Equity capital to assets | 8.6115% | 4,394 |
| Core capital (leverage) ratio | 7.0743% | 4,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6626% | 2,341 |
| Memoranda: | ||
| Average total assets | $15,930,683,000 | 109 |
| Average earning assets | $15,066,209,000 | 104 |
| Average equity | $1,359,753,500 | 142 |
| Average total loans | $10,382,138,500 | 111 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9310% | 4,869 |
| Cost of funding earning assets | 1.0838% | 746 |
| Net interest margin | 1.8471% | 4,977 |
| Noninterest income to average assets | 0.0616% | 4,885 |
| Noninterest expense to average assets | 1.3539% | 4,923 |
| Loan and lease loss provision to assets | 0.2179% | 1,914 |
| Net operating income to assets | 0.1818% | 4,597 |
| Return on assets (ROA) | 0.2518% | 4,546 |
| Pretax return on assets | 0.3261% | 4,503 |
| Return on Equity (ROE) | 2.9594% | 4,365 |
| Retained earnings to average equity (ytd only) | 2.3940% | 3,612 |
| Net charge-offs to loans | 0.0005% | 3,024 |
| Credit loss provision to net charge-offs | 66,180.7692% | 14 |
| Earnings coverage of net charge-offs (x) | 1,383.4231% | 58 |
| Efficiency ratio | 74.8083% | 1,388 |
| Assets per employee ($millions) | 13.1861% | 241 |
| Cash dividends to net income (ytd only)* | 19.1051% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4820% | 4,852 |
| Loan loss allowance to noncurrent loans | 5,150.8682% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 4,555 |
| Noncurrent loans to loans | 0.0094% | 4,479 |
| Net loans and leases to total assets | 65.1489% | 2,740 |
| Net loans and leases to deposits | 77.1560% | 2,741 |
| Net loans and leases to core deposits | 85.8517% | 2,451 |
| Total domestic deposits to total assets | 84.4379% | 2,584 |
| Equity capital to assets | 8.6992% | 4,353 |
| Core capital (leverage) ratio | 7.1902% | 4,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8387% | 2,247 |
| Memoranda: | ||
| Average total assets | $15,796,866,333 | 109 |
| Average earning assets | $14,946,097,333 | 106 |
| Average equity | $1,344,190,333 | 140 |
| Average total loans | $10,252,369,333 | 112 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1774% | 4,877 |
| Cost of funding earning assets | 1.2603% | 634 |
| Net interest margin | 1.9171% | 5,033 |
| Noninterest income to average assets | 0.0239% | 5,013 |
| Noninterest expense to average assets | 1.2963% | 5,005 |
| Loan and lease loss provision to assets | 0.0809% | 2,694 |
| Net operating income to assets | 0.3559% | 4,233 |
| Return on assets (ROA) | 0.3575% | 4,259 |
| Pretax return on assets | 0.4661% | 4,181 |
| Return on Equity (ROE) | 4.2496% | 3,885 |
| Retained earnings to average equity (ytd only) | 3.6744% | 2,814 |
| Net charge-offs to loans | 0.0006% | 2,576 |
| Credit loss provision to net charge-offs | 22,700.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 1,528.2857% | 25 |
| Efficiency ratio | 70.3808% | 2,295 |
| Assets per employee ($millions) | 13.0880% | 184 |
| Cash dividends to net income (ytd only)* | 13.5366% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3567% | 4,969 |
| Loan loss allowance to noncurrent loans | 5,627.5116% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 4,623 |
| Noncurrent loans to loans | 0.0063% | 4,551 |
| Net loans and leases to total assets | 65.1890% | 2,911 |
| Net loans and leases to deposits | 75.2990% | 3,141 |
| Net loans and leases to core deposits | 84.3683% | 2,820 |
| Total domestic deposits to total assets | 86.5736% | 1,743 |
| Equity capital to assets | 8.4792% | 4,846 |
| Core capital (leverage) ratio | 7.3204% | 5,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3609% | 2,129 |
| Memoranda: | ||
| Average total assets | $15,704,515,500 | 109 |
| Average earning assets | $14,887,062,000 | 104 |
| Average equity | $1,321,151,500 | 141 |
| Average total loans | $10,147,434,000 | 111 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7110% | 4,666 |
| Cost of funding earning assets | 1.3435% | 673 |
| Net interest margin | 2.3675% | 5,018 |
| Noninterest income to average assets | 0.0578% | 5,018 |
| Noninterest expense to average assets | 1.3257% | 5,064 |
| Loan and lease loss provision to assets | -0.0258% | 4,968 |
| Net operating income to assets | 0.7471% | 3,709 |
| Return on assets (ROA) | 0.7477% | 3,789 |
| Pretax return on assets | 1.0192% | 3,419 |
| Return on Equity (ROE) | 8.7680% | 2,855 |
| Retained earnings to average equity (ytd only) | 8.1711% | 923 |
| Net charge-offs to loans | -0.0035% | 4,292 |
| Credit loss provision to net charge-offs | 1,049.8638% | 328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1217% | 4,077 |
| Assets per employee ($millions) | 13.7701% | 153 |
| Cash dividends to net income (ytd only)* | 6.8070% | 3,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3295% | 5,025 |
| Loan loss allowance to noncurrent loans | 2,511.0272% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 4,632 |
| Noncurrent loans to loans | 0.0131% | 4,531 |
| Net loans and leases to total assets | 63.6078% | 3,247 |
| Net loans and leases to deposits | 74.6702% | 3,292 |
| Net loans and leases to core deposits | 83.6582% | 2,985 |
| Total domestic deposits to total assets | 85.1851% | 2,427 |
| Equity capital to assets | 8.3490% | 4,970 |
| Core capital (leverage) ratio | 7.2824% | 5,118 |
| Tier 1 risk-based capital ratio | 13.7739% | 3,383 |
| Total risk-based capital ratio | 14.2288% | 3,679 |
| Memoranda: | ||
| Average total assets | $14,932,338,000 | 104 |
| Average earning assets | $14,258,173,600 | 100 |
| Average equity | $1,273,385,400 | 141 |
| Average total loans | $10,361,951,600 | 107 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8123% | 4,661 |
| Cost of funding earning assets | 1.3371% | 703 |
| Net interest margin | 2.4752% | 5,075 |
| Noninterest income to average assets | 0.0387% | 5,137 |
| Noninterest expense to average assets | 1.2517% | 5,162 |
| Loan and lease loss provision to assets | -0.0349% | 5,108 |
| Net operating income to assets | 0.8805% | 3,414 |
| Return on assets (ROA) | 0.8815% | 3,493 |
| Pretax return on assets | 1.1908% | 3,007 |
| Return on Equity (ROE) | 10.2786% | 2,318 |
| Retained earnings to average equity (ytd only) | 9.6763% | 838 |
| Net charge-offs to loans | -0.0047% | 4,191 |
| Credit loss provision to net charge-offs | 1,041.3514% | 338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9569% | 4,597 |
| Assets per employee ($millions) | 13.5252% | 155 |
| Cash dividends to net income (ytd only)* | 5.8599% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3266% | 5,105 |
| Loan loss allowance to noncurrent loans | 1,784.7021% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 4,696 |
| Noncurrent loans to loans | 0.0183% | 4,594 |
| Net loans and leases to total assets | 67.1707% | 2,904 |
| Net loans and leases to deposits | 77.0190% | 3,200 |
| Net loans and leases to core deposits | 85.4361% | 2,957 |
| Total domestic deposits to total assets | 87.2131% | 1,422 |
| Equity capital to assets | 8.7445% | 4,902 |
| Core capital (leverage) ratio | 7.2900% | 5,207 |
| Tier 1 risk-based capital ratio | 13.8815% | 3,384 |
| Total risk-based capital ratio | 14.3362% | 3,709 |
| Memoranda: | ||
| Average total assets | $14,713,409,750 | 106 |
| Average earning assets | $14,073,943,750 | 103 |
| Average equity | $1,261,777,000 | 141 |
| Average total loans | $10,430,338,000 | 106 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8343% | 4,666 |
| Cost of funding earning assets | 1.2913% | 760 |
| Net interest margin | 2.5430% | 5,104 |
| Noninterest income to average assets | 0.0089% | 5,239 |
| Noninterest expense to average assets | 1.2468% | 5,216 |
| Loan and lease loss provision to assets | -0.0528% | 5,179 |
| Net operating income to assets | 0.9253% | 3,188 |
| Return on assets (ROA) | 0.9265% | 3,244 |
| Pretax return on assets | 1.2538% | 2,731 |
| Return on Equity (ROE) | 10.8776% | 2,027 |
| Retained earnings to average equity (ytd only) | 10.2656% | 685 |
| Net charge-offs to loans | -0.0072% | 4,223 |
| Credit loss provision to net charge-offs | 1,024.7340% | 337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9063% | 4,734 |
| Assets per employee ($millions) | 13.8820% | 132 |
| Cash dividends to net income (ytd only)* | 5.6255% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3139% | 5,163 |
| Loan loss allowance to noncurrent loans | 3,467.6747% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 4,775 |
| Noncurrent loans to loans | 0.0091% | 4,682 |
| Net loans and leases to total assets | 69.9220% | 2,543 |
| Net loans and leases to deposits | 81.1840% | 2,821 |
| Net loans and leases to core deposits | 89.2959% | 2,660 |
| Total domestic deposits to total assets | 86.1278% | 1,967 |
| Equity capital to assets | 8.5450% | 5,021 |
| Core capital (leverage) ratio | 7.3760% | 5,240 |
| Tier 1 risk-based capital ratio | 13.1093% | 3,781 |
| Total risk-based capital ratio | 13.5478% | 4,109 |
| Memoranda: | ||
| Average total assets | $14,581,984,330 | 107 |
| Average earning assets | $13,976,447,330 | 103 |
| Average equity | $1,242,006,330 | 143 |
| Average total loans | $10,513,390,000 | 103 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8547% | 4,624 |
| Cost of funding earning assets | 1.2472% | 775 |
| Net interest margin | 2.6074% | 5,130 |
| Noninterest income to average assets | -0.0140% | 5,327 |
| Noninterest expense to average assets | 1.1667% | 5,290 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9653% | 2,991 |
| Return on assets (ROA) | 0.9663% | 3,024 |
| Pretax return on assets | 1.3246% | 2,360 |
| Return on Equity (ROE) | 11.3649% | 1,799 |
| Retained earnings to average equity (ytd only) | 10.7408% | 866 |
| Net charge-offs to loans | -0.0147% | 4,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7986% | 4,990 |
| Assets per employee ($millions) | 13.6525% | 141 |
| Cash dividends to net income (ytd only)* | 5.4916% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3547% | 5,213 |
| Loan loss allowance to noncurrent loans | 3,756.6802% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 4,844 |
| Noncurrent loans to loans | 0.0094% | 4,746 |
| Net loans and leases to total assets | 72.7283% | 2,041 |
| Net loans and leases to deposits | 81.1009% | 2,712 |
| Net loans and leases to core deposits | 88.9843% | 2,599 |
| Total domestic deposits to total assets | 89.6762% | 570 |
| Equity capital to assets | 8.6471% | 4,904 |
| Core capital (leverage) ratio | 7.3095% | 5,300 |
| Tier 1 risk-based capital ratio | 13.2422% | 3,744 |
| Total risk-based capital ratio | 13.7556% | 4,037 |
| Memoranda: | ||
| Average total assets | $14,321,193,000 | 109 |
| Average earning assets | $13,753,071,500 | 104 |
| Average equity | $1,217,709,000 | 143 |
| Average total loans | $10,473,099,500 | 105 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5183% | 4,898 |
| Cost of funding earning assets | 0.9649% | 864 |
| Net interest margin | 2.5534% | 5,182 |
| Noninterest income to average assets | 0.0977% | 5,159 |
| Noninterest expense to average assets | 1.4983% | 5,228 |
| Loan and lease loss provision to assets | 0.0534% | 3,112 |
| Net operating income to assets | 0.7256% | 4,055 |
| Return on assets (ROA) | 0.7497% | 3,974 |
| Pretax return on assets | 1.0367% | 3,488 |
| Return on Equity (ROE) | 8.7295% | 3,132 |
| Retained earnings to average equity (ytd only) | 8.0711% | 1,201 |
| Net charge-offs to loans | -0.0130% | 4,567 |
| Credit loss provision to net charge-offs | -550.4988% | 4,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5148% | 4,080 |
| Assets per employee ($millions) | 14.2939% | 116 |
| Cash dividends to net income (ytd only)* | 7.5422% | 3,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3504% | 5,251 |
| Loan loss allowance to noncurrent loans | 3,962.4595% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 4,884 |
| Noncurrent loans to loans | 0.0088% | 4,773 |
| Net loans and leases to total assets | 73.0114% | 2,095 |
| Net loans and leases to deposits | 83.8120% | 2,529 |
| Net loans and leases to core deposits | 92.3145% | 2,384 |
| Total domestic deposits to total assets | 87.1133% | 1,728 |
| Equity capital to assets | 8.3398% | 5,023 |
| Core capital (leverage) ratio | 7.2684% | 5,342 |
| Tier 1 risk-based capital ratio | 13.2698% | 3,685 |
| Total risk-based capital ratio | 13.8060% | 3,976 |
| Memoranda: | ||
| Average total assets | $13,441,400,400 | 110 |
| Average earning assets | $12,950,137,400 | 105 |
| Average equity | $1,154,332,400 | 149 |
| Average total loans | $10,025,042,000 | 105 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4361% | 4,996 |
| Cost of funding earning assets | 0.9086% | 888 |
| Net interest margin | 2.5276% | 5,265 |
| Noninterest income to average assets | 0.0880% | 5,250 |
| Noninterest expense to average assets | 1.5648% | 5,237 |
| Loan and lease loss provision to assets | 0.0005% | 3,943 |
| Net operating income to assets | 0.6929% | 4,247 |
| Return on assets (ROA) | 0.6918% | 4,258 |
| Pretax return on assets | 0.9566% | 3,859 |
| Return on Equity (ROE) | 7.9926% | 3,555 |
| Retained earnings to average equity (ytd only) | 7.3286% | 1,958 |
| Net charge-offs to loans | -0.0042% | 4,197 |
| Credit loss provision to net charge-offs | -16.8254% | 4,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9479% | 3,515 |
| Assets per employee ($millions) | 14.1178% | 118 |
| Cash dividends to net income (ytd only)* | 8.3073% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2816% | 5,364 |
| Loan loss allowance to noncurrent loans | 183.4284% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.1213% | 4,361 |
| Noncurrent loans to loans | 0.1535% | 4,191 |
| Net loans and leases to total assets | 74.4016% | 1,920 |
| Net loans and leases to deposits | 81.9728% | 2,822 |
| Net loans and leases to core deposits | 91.2426% | 2,544 |
| Total domestic deposits to total assets | 90.7638% | 277 |
| Equity capital to assets | 8.5361% | 4,903 |
| Core capital (leverage) ratio | 7.1778% | 5,420 |
| Tier 1 risk-based capital ratio | 13.6284% | 3,558 |
| Total risk-based capital ratio | 14.0906% | 3,900 |
| Memoranda: | ||
| Average total assets | $13,224,691,500 | 110 |
| Average earning assets | $12,742,588,500 | 106 |
| Average equity | $1,144,596,750 | 147 |
| Average total loans | $9,910,458,000 | 105 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3231% | 5,119 |
| Cost of funding earning assets | 0.8422% | 952 |
| Net interest margin | 2.4808% | 5,353 |
| Noninterest income to average assets | 0.1201% | 5,192 |
| Noninterest expense to average assets | 1.5845% | 5,282 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6708% | 4,282 |
| Return on assets (ROA) | 0.6693% | 4,291 |
| Pretax return on assets | 0.9244% | 3,892 |
| Return on Equity (ROE) | 7.6969% | 3,625 |
| Retained earnings to average equity (ytd only) | 7.0293% | 2,061 |
| Net charge-offs to loans | 0.0001% | 3,208 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 8,661.2857% | 6 |
| Efficiency ratio | 63.0442% | 3,463 |
| Assets per employee ($millions) | 14.3680% | 110 |
| Cash dividends to net income (ytd only)* | 8.6730% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2851% | 5,423 |
| Loan loss allowance to noncurrent loans | 2,412.3826% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 5,006 |
| Noncurrent loans to loans | 0.0118% | 4,897 |
| Net loans and leases to total assets | 74.1041% | 1,935 |
| Net loans and leases to deposits | 81.6773% | 2,801 |
| Net loans and leases to core deposits | 89.8838% | 2,582 |
| Total domestic deposits to total assets | 90.7279% | 317 |
| Equity capital to assets | 8.6150% | 4,863 |
| Core capital (leverage) ratio | 7.1387% | 5,475 |
| Tier 1 risk-based capital ratio | 13.8960% | 3,407 |
| Total risk-based capital ratio | 14.3797% | 3,746 |
| Memoranda: | ||
| Average total assets | $13,091,684,670 | 110 |
| Average earning assets | $12,615,392,670 | 106 |
| Average equity | $1,138,486,330 | 144 |
| Average total loans | $9,825,650,330 | 105 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1534% | 5,272 |
| Cost of funding earning assets | 0.7745% | 1,079 |
| Net interest margin | 2.3789% | 5,447 |
| Noninterest income to average assets | 0.1371% | 5,182 |
| Noninterest expense to average assets | 1.5034% | 5,394 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6714% | 4,206 |
| Return on assets (ROA) | 0.6690% | 4,219 |
| Pretax return on assets | 0.9240% | 3,772 |
| Return on Equity (ROE) | 7.6560% | 3,521 |
| Retained earnings to average equity (ytd only) | 6.9854% | 2,282 |
| Net charge-offs to loans | 0.0001% | 2,720 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 10,020.3333% | 4 |
| Efficiency ratio | 61.7901% | 3,825 |
| Assets per employee ($millions) | 14.5918% | 106 |
| Cash dividends to net income (ytd only)* | 8.7586% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2910% | 5,488 |
| Loan loss allowance to noncurrent loans | 2,063.7692% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 5,071 |
| Noncurrent loans to loans | 0.0141% | 4,932 |
| Net loans and leases to total assets | 73.7186% | 1,908 |
| Net loans and leases to deposits | 81.3995% | 2,640 |
| Net loans and leases to core deposits | 88.7904% | 2,565 |
| Total domestic deposits to total assets | 90.5640% | 453 |
| Equity capital to assets | 8.6724% | 4,842 |
| Core capital (leverage) ratio | 7.1649% | 5,536 |
| Tier 1 risk-based capital ratio | 14.1466% | 3,304 |
| Total risk-based capital ratio | 14.6500% | 3,635 |
| Memoranda: | ||
| Average total assets | $12,970,772,000 | 110 |
| Average earning assets | $12,503,918,500 | 108 |
| Average equity | $1,133,390,500 | 144 |
| Average total loans | $9,784,011,000 | 105 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8804% | 5,426 |
| Cost of funding earning assets | 0.6726% | 1,170 |
| Net interest margin | 2.2078% | 5,534 |
| Noninterest income to average assets | 0.1095% | 5,373 |
| Noninterest expense to average assets | 1.3636% | 5,538 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5879% | 4,067 |
| Return on assets (ROA) | 0.5879% | 4,100 |
| Pretax return on assets | 0.8675% | 4,023 |
| Return on Equity (ROE) | 6.8838% | 3,338 |
| Retained earnings to average equity (ytd only) | 6.1902% | 1,444 |
| Net charge-offs to loans | 0.0354% | 3,086 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 30.8893% | 1,514 |
| Efficiency ratio | 61.0425% | 4,109 |
| Assets per employee ($millions) | 14.8080% | 97 |
| Cash dividends to net income (ytd only)* | 10.0764% | 3,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2866% | 5,554 |
| Loan loss allowance to noncurrent loans | 1,031.9942% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 5,046 |
| Noncurrent loans to loans | 0.0278% | 4,888 |
| Net loans and leases to total assets | 76.7459% | 1,473 |
| Net loans and leases to deposits | 84.7529% | 2,407 |
| Net loans and leases to core deposits | 92.3638% | 2,338 |
| Total domestic deposits to total assets | 90.5526% | 377 |
| Equity capital to assets | 8.8053% | 4,894 |
| Core capital (leverage) ratio | 7.0283% | 5,601 |
| Tier 1 risk-based capital ratio | 13.8885% | 3,424 |
| Total risk-based capital ratio | 14.3940% | 3,740 |
| Memoranda: | ||
| Average total assets | $12,828,991,600 | 107 |
| Average earning assets | $12,327,510,000 | 104 |
| Average equity | $1,095,674,200 | 142 |
| Average total loans | $10,167,015,600 | 97 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8235% | 5,512 |
| Cost of funding earning assets | 0.6513% | 1,232 |
| Net interest margin | 2.1723% | 5,608 |
| Noninterest income to average assets | 0.1085% | 5,446 |
| Noninterest expense to average assets | 1.2635% | 5,634 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5545% | 4,557 |
| Return on assets (ROA) | 0.5545% | 4,596 |
| Pretax return on assets | 0.9313% | 3,930 |
| Return on Equity (ROE) | 6.5436% | 3,891 |
| Retained earnings to average equity (ytd only) | 5.8449% | 2,343 |
| Net charge-offs to loans | 0.0117% | 3,315 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 100.0488% | 688 |
| Efficiency ratio | 57.4937% | 4,565 |
| Assets per employee ($millions) | 14.9637% | 92 |
| Cash dividends to net income (ytd only)* | 10.6784% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3053% | 5,618 |
| Loan loss allowance to noncurrent loans | 582.8878% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 5,028 |
| Noncurrent loans to loans | 0.0524% | 4,875 |
| Net loans and leases to total assets | 78.9379% | 1,128 |
| Net loans and leases to deposits | 87.0625% | 2,177 |
| Net loans and leases to core deposits | 96.0365% | 2,069 |
| Total domestic deposits to total assets | 90.6681% | 268 |
| Equity capital to assets | 8.6743% | 5,166 |
| Core capital (leverage) ratio | 6.9554% | 5,673 |
| Tier 1 risk-based capital ratio | 13.2105% | 3,871 |
| Total risk-based capital ratio | 13.7337% | 4,242 |
| Memoranda: | ||
| Average total assets | $12,834,003,500 | 107 |
| Average earning assets | $12,326,419,250 | 104 |
| Average equity | $1,087,626,750 | 143 |
| Average total loans | $10,244,120,250 | 95 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7354% | 5,584 |
| Cost of funding earning assets | 0.6356% | 1,224 |
| Net interest margin | 2.0998% | 5,673 |
| Noninterest income to average assets | 0.1285% | 5,408 |
| Noninterest expense to average assets | 1.1913% | 5,705 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5646% | 4,451 |
| Return on assets (ROA) | 0.5646% | 4,503 |
| Pretax return on assets | 0.9524% | 3,756 |
| Return on Equity (ROE) | 6.7147% | 3,717 |
| Retained earnings to average equity (ytd only) | 6.0109% | 2,107 |
| Net charge-offs to loans | 0.0013% | 3,478 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 940.8769% | 74 |
| Efficiency ratio | 55.4953% | 4,878 |
| Assets per employee ($millions) | 15.1723% | 84 |
| Cash dividends to net income (ytd only)* | 10.4819% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3158% | 5,659 |
| Loan loss allowance to noncurrent loans | 648.9896% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 5,079 |
| Noncurrent loans to loans | 0.0487% | 4,949 |
| Net loans and leases to total assets | 78.1038% | 1,234 |
| Net loans and leases to deposits | 86.0619% | 2,208 |
| Net loans and leases to core deposits | 96.0996% | 1,971 |
| Total domestic deposits to total assets | 90.7531% | 278 |
| Equity capital to assets | 8.5241% | 5,289 |
| Core capital (leverage) ratio | 6.8117% | 5,723 |
| Tier 1 risk-based capital ratio | 13.2556% | 3,834 |
| Total risk-based capital ratio | 13.8041% | 4,173 |
| Memoranda: | ||
| Average total assets | $12,842,351,000 | 108 |
| Average earning assets | $12,325,323,000 | 105 |
| Average equity | $1,079,804,330 | 143 |
| Average total loans | $10,278,130,330 | 95 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6883% | 5,649 |
| Cost of funding earning assets | 0.6234% | 1,224 |
| Net interest margin | 2.0649% | 5,746 |
| Noninterest income to average assets | 0.1698% | 5,258 |
| Noninterest expense to average assets | 1.1336% | 5,782 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5957% | 4,183 |
| Return on assets (ROA) | 0.5957% | 4,230 |
| Pretax return on assets | 1.0155% | 3,301 |
| Return on Equity (ROE) | 7.1340% | 3,349 |
| Retained earnings to average equity (ytd only) | 6.4251% | 2,123 |
| Net charge-offs to loans | 0.0024% | 2,884 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 534.3279% | 105 |
| Efficiency ratio | 52.6704% | 5,236 |
| Assets per employee ($millions) | 15.1467% | 84 |
| Cash dividends to net income (ytd only)* | 9.9378% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3068% | 5,738 |
| Loan loss allowance to noncurrent loans | 648.9388% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 5,117 |
| Noncurrent loans to loans | 0.0473% | 5,002 |
| Net loans and leases to total assets | 80.9181% | 705 |
| Net loans and leases to deposits | 89.3243% | 1,629 |
| Net loans and leases to core deposits | 98.8713% | 1,590 |
| Total domestic deposits to total assets | 90.5891% | 434 |
| Equity capital to assets | 8.4639% | 5,264 |
| Core capital (leverage) ratio | 6.6505% | 5,785 |
| Tier 1 risk-based capital ratio | 12.5689% | 4,346 |
| Total risk-based capital ratio | 13.1166% | 4,708 |
| Memoranda: | ||
| Average total assets | $12,838,039,500 | 106 |
| Average earning assets | $12,306,212,500 | 104 |
| Average equity | $1,071,990,000 | 140 |
| Average total loans | $10,382,748,500 | 92 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4602% | 5,769 |
| Cost of funding earning assets | 0.5974% | 1,353 |
| Net interest margin | 1.8627% | 5,825 |
| Noninterest income to average assets | 0.1973% | 5,229 |
| Noninterest expense to average assets | 1.0867% | 5,845 |
| Loan and lease loss provision to assets | 0.0305% | 3,743 |
| Net operating income to assets | 0.4867% | 4,684 |
| Return on assets (ROA) | 0.4883% | 4,754 |
| Pretax return on assets | 0.8632% | 3,963 |
| Return on Equity (ROE) | 6.0732% | 3,946 |
| Retained earnings to average equity (ytd only) | 5.3388% | 2,106 |
| Net charge-offs to loans | 0.0164% | 3,750 |
| Credit loss provision to net charge-offs | 232.8394% | 1,239 |
| Earnings coverage of net charge-offs (x) | 67.9935% | 812 |
| Efficiency ratio | 54.8621% | 5,162 |
| Assets per employee ($millions) | 15.4139% | 78 |
| Cash dividends to net income (ytd only)* | 12.0915% | 3,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3051% | 5,795 |
| Loan loss allowance to noncurrent loans | 684.5509% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 5,165 |
| Noncurrent loans to loans | 0.0446% | 5,067 |
| Net loans and leases to total assets | 80.4001% | 829 |
| Net loans and leases to deposits | 88.7888% | 1,832 |
| Net loans and leases to core deposits | 102.1311% | 1,441 |
| Total domestic deposits to total assets | 90.5521% | 433 |
| Equity capital to assets | 8.2119% | 5,462 |
| Core capital (leverage) ratio | 6.4607% | 5,842 |
| Tier 1 risk-based capital ratio | 12.4174% | 4,432 |
| Total risk-based capital ratio | 12.9535% | 4,828 |
| Memoranda: | ||
| Average total assets | $12,872,208,600 | 102 |
| Average earning assets | $12,304,270,000 | 97 |
| Average equity | $1,034,948,400 | 140 |
| Average total loans | $10,314,881,400 | 89 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4083% | 5,850 |
| Cost of funding earning assets | 0.5879% | 1,429 |
| Net interest margin | 1.8204% | 5,894 |
| Noninterest income to average assets | 0.1825% | 5,369 |
| Noninterest expense to average assets | 1.0629% | 5,914 |
| Loan and lease loss provision to assets | 0.0407% | 3,424 |
| Net operating income to assets | 0.4553% | 4,853 |
| Return on assets (ROA) | 0.4574% | 4,927 |
| Pretax return on assets | 0.8212% | 4,246 |
| Return on Equity (ROE) | 5.7199% | 4,208 |
| Retained earnings to average equity (ytd only) | 4.9805% | 2,844 |
| Net charge-offs to loans | 0.0086% | 3,629 |
| Credit loss provision to net charge-offs | 593.3535% | 620 |
| Earnings coverage of net charge-offs (x) | 125.0369% | 557 |
| Efficiency ratio | 55.2306% | 5,132 |
| Assets per employee ($millions) | 15.4743% | 74 |
| Cash dividends to net income (ytd only)* | 12.9263% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3137% | 5,846 |
| Loan loss allowance to noncurrent loans | 618.8182% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 5,254 |
| Noncurrent loans to loans | 0.0507% | 5,156 |
| Net loans and leases to total assets | 81.1575% | 736 |
| Net loans and leases to deposits | 89.3513% | 1,836 |
| Net loans and leases to core deposits | 104.5960% | 1,304 |
| Total domestic deposits to total assets | 90.8297% | 229 |
| Equity capital to assets | 8.1512% | 5,685 |
| Core capital (leverage) ratio | 6.3483% | 5,915 |
| Tier 1 risk-based capital ratio | 11.9004% | 4,850 |
| Total risk-based capital ratio | 12.4422% | 5,167 |
| Memoranda: | ||
| Average total assets | $12,853,340,500 | 101 |
| Average earning assets | $12,279,104,750 | 96 |
| Average equity | $1,027,871,750 | 140 |
| Average total loans | $10,283,149,000 | 89 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3818% | 5,937 |
| Cost of funding earning assets | 0.5750% | 1,501 |
| Net interest margin | 1.8068% | 5,979 |
| Noninterest income to average assets | 0.1736% | 5,454 |
| Noninterest expense to average assets | 1.0580% | 5,994 |
| Loan and lease loss provision to assets | 0.0527% | 3,091 |
| Net operating income to assets | 0.4255% | 4,957 |
| Return on assets (ROA) | 0.4287% | 5,034 |
| Pretax return on assets | 0.7929% | 4,313 |
| Return on Equity (ROE) | 5.3956% | 4,337 |
| Retained earnings to average equity (ytd only) | 4.6510% | 2,948 |
| Net charge-offs to loans | 0.0002% | 3,687 |
| Credit loss provision to net charge-offs | 28,200.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 4,499.1667% | 6 |
| Efficiency ratio | 55.6397% | 5,179 |
| Assets per employee ($millions) | 15.6170% | 73 |
| Cash dividends to net income (ytd only)* | 13.8001% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3257% | 5,928 |
| Loan loss allowance to noncurrent loans | 560.8637% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 5,339 |
| Noncurrent loans to loans | 0.0581% | 5,219 |
| Net loans and leases to total assets | 78.3601% | 1,151 |
| Net loans and leases to deposits | 86.1724% | 2,229 |
| Net loans and leases to core deposits | 103.8515% | 1,329 |
| Total domestic deposits to total assets | 90.9340% | 202 |
| Equity capital to assets | 8.0397% | 5,797 |
| Core capital (leverage) ratio | 6.2294% | 5,995 |
| Tier 1 risk-based capital ratio | 12.5916% | 4,454 |
| Total risk-based capital ratio | 13.1973% | 4,775 |
| Memoranda: | ||
| Average total assets | $12,846,239,670 | 99 |
| Average earning assets | $12,264,641,330 | 96 |
| Average equity | $1,020,681,670 | 140 |
| Average total loans | $10,216,991,670 | 89 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3243% | 6,017 |
| Cost of funding earning assets | 0.5666% | 1,567 |
| Net interest margin | 1.7576% | 6,049 |
| Noninterest income to average assets | 0.1273% | 5,709 |
| Noninterest expense to average assets | 1.1678% | 6,038 |
| Loan and lease loss provision to assets | 0.1055% | 1,941 |
| Net operating income to assets | 0.3122% | 5,269 |
| Return on assets (ROA) | 0.3122% | 5,354 |
| Pretax return on assets | 0.5322% | 5,002 |
| Return on Equity (ROE) | 3.9526% | 4,908 |
| Retained earnings to average equity (ytd only) | 3.2024% | 3,901 |
| Net charge-offs to loans | 0.0001% | 3,093 |
| Credit loss provision to net charge-offs | 169,200.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 10,226.0000% | 1 |
| Efficiency ratio | 64.5861% | 4,034 |
| Assets per employee ($millions) | 15.5310% | 80 |
| Cash dividends to net income (ytd only)* | 18.9791% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3172% | 5,998 |
| Loan loss allowance to noncurrent loans | 613.7251% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 5,441 |
| Noncurrent loans to loans | 0.0517% | 5,283 |
| Net loans and leases to total assets | 80.6340% | 725 |
| Net loans and leases to deposits | 88.8620% | 1,717 |
| Net loans and leases to core deposits | 108.2723% | 957 |
| Total domestic deposits to total assets | 90.7407% | 351 |
| Equity capital to assets | 7.9293% | 5,848 |
| Core capital (leverage) ratio | 6.0585% | 6,061 |
| Tier 1 risk-based capital ratio | 11.9204% | 4,961 |
| Total risk-based capital ratio | 12.5138% | 5,267 |
| Memoranda: | ||
| Average total assets | $12,827,352,000 | 100 |
| Average earning assets | $12,247,950,500 | 97 |
| Average equity | $1,013,107,000 | 142 |
| Average total loans | $10,261,032,000 | 88 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1519% | 6,079 |
| Cost of funding earning assets | 0.5055% | 2,112 |
| Net interest margin | 1.6464% | 6,100 |
| Noninterest income to average assets | 0.1142% | 5,830 |
| Noninterest expense to average assets | 1.0220% | 6,119 |
| Loan and lease loss provision to assets | 0.0713% | 2,846 |
| Net operating income to assets | 0.3287% | 5,274 |
| Return on assets (ROA) | 0.3328% | 5,349 |
| Pretax return on assets | 0.5915% | 4,865 |
| Return on Equity (ROE) | 4.0483% | 4,928 |
| Retained earnings to average equity (ytd only) | 3.2842% | 3,713 |
| Net charge-offs to loans | 0.0009% | 4,447 |
| Credit loss provision to net charge-offs | 9,695.5056% | 35 |
| Earnings coverage of net charge-offs (x) | 892.0449% | 65 |
| Efficiency ratio | 60.7910% | 4,787 |
| Assets per employee ($millions) | 15.6986% | 70 |
| Cash dividends to net income (ytd only)* | 18.8759% | 3,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2927% | 6,059 |
| Loan loss allowance to noncurrent loans | 767.7035% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 5,546 |
| Noncurrent loans to loans | 0.0381% | 5,365 |
| Net loans and leases to total assets | 78.8645% | 1,011 |
| Net loans and leases to deposits | 89.4419% | 1,690 |
| Net loans and leases to core deposits | 108.1301% | 962 |
| Total domestic deposits to total assets | 88.1740% | 1,545 |
| Equity capital to assets | 7.8650% | 5,899 |
| Core capital (leverage) ratio | 6.2299% | 6,111 |
| Tier 1 risk-based capital ratio | 11.6164% | 5,182 |
| Total risk-based capital ratio | 12.1542% | 5,484 |
| Memoranda: | ||
| Average total assets | $12,096,616,800 | 102 |
| Average earning assets | $11,491,787,800 | 99 |
| Average equity | $994,555,200 | 136 |
| Average total loans | $9,504,593,400 | 92 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1475% | 6,175 |
| Cost of funding earning assets | 0.4951% | 2,261 |
| Net interest margin | 1.6524% | 6,191 |
| Noninterest income to average assets | 0.0960% | 5,977 |
| Noninterest expense to average assets | 1.0237% | 6,206 |
| Loan and lease loss provision to assets | 0.0366% | 3,486 |
| Net operating income to assets | 0.3340% | 5,357 |
| Return on assets (ROA) | 0.3397% | 5,428 |
| Pretax return on assets | 0.6128% | 4,944 |
| Return on Equity (ROE) | 4.0840% | 4,999 |
| Retained earnings to average equity (ytd only) | 3.3176% | 4,110 |
| Net charge-offs to loans | 0.0004% | 4,178 |
| Credit loss provision to net charge-offs | 13,088.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 2,291.4119% | 21 |
| Efficiency ratio | 61.4023% | 4,661 |
| Assets per employee ($millions) | 15.3113% | 77 |
| Cash dividends to net income (ytd only)* | 18.7661% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2531% | 6,163 |
| Loan loss allowance to noncurrent loans | 514.1619% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 5,606 |
| Noncurrent loans to loans | 0.0492% | 5,419 |
| Net loans and leases to total assets | 77.4980% | 1,179 |
| Net loans and leases to deposits | 85.6252% | 2,187 |
| Net loans and leases to core deposits | 103.7210% | 1,251 |
| Total domestic deposits to total assets | 90.5083% | 381 |
| Equity capital to assets | 8.0964% | 5,923 |
| Core capital (leverage) ratio | 6.3194% | 6,183 |
| Tier 1 risk-based capital ratio | 12.9205% | 4,474 |
| Total risk-based capital ratio | 13.4307% | 4,877 |
| Memoranda: | ||
| Average total assets | $11,922,186,000 | 104 |
| Average earning assets | $11,314,727,000 | 100 |
| Average equity | $991,623,750 | 139 |
| Average total loans | $9,350,789,000 | 95 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1238% | 6,252 |
| Cost of funding earning assets | 0.4843% | 2,395 |
| Net interest margin | 1.6395% | 6,266 |
| Noninterest income to average assets | 0.1523% | 5,800 |
| Noninterest expense to average assets | 1.0340% | 6,286 |
| Loan and lease loss provision to assets | 0.0362% | 3,404 |
| Net operating income to assets | 0.3442% | 5,311 |
| Return on assets (ROA) | 0.3477% | 5,410 |
| Pretax return on assets | 0.6422% | 4,851 |
| Return on Equity (ROE) | 4.1415% | 4,961 |
| Retained earnings to average equity (ytd only) | 3.3725% | 3,889 |
| Net charge-offs to loans | 0.0001% | 3,892 |
| Credit loss provision to net charge-offs | 42,560.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 7,922.2000% | 4 |
| Efficiency ratio | 60.4700% | 4,919 |
| Assets per employee ($millions) | 14.7928% | 77 |
| Cash dividends to net income (ytd only)* | 18.5683% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2427% | 6,236 |
| Loan loss allowance to noncurrent loans | 403.4957% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 5,662 |
| Noncurrent loans to loans | 0.0602% | 5,491 |
| Net loans and leases to total assets | 80.9819% | 673 |
| Net loans and leases to deposits | 92.2453% | 1,346 |
| Net loans and leases to core deposits | 104.8324% | 1,139 |
| Total domestic deposits to total assets | 87.7898% | 1,756 |
| Equity capital to assets | 8.4520% | 5,722 |
| Core capital (leverage) ratio | 6.4774% | 6,245 |
| Tier 1 risk-based capital ratio | 13.4840% | 4,233 |
| Total risk-based capital ratio | 14.0004% | 4,570 |
| Memoranda: | ||
| Average total assets | $11,772,397,670 | 104 |
| Average earning assets | $11,163,465,330 | 102 |
| Average equity | $988,282,330 | 141 |
| Average total loans | $9,263,710,000 | 95 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9776% | 6,337 |
| Cost of funding earning assets | 0.4788% | 2,462 |
| Net interest margin | 1.4988% | 6,344 |
| Noninterest income to average assets | 0.1719% | 5,687 |
| Noninterest expense to average assets | 0.9956% | 6,364 |
| Loan and lease loss provision to assets | 0.0193% | 3,462 |
| Net operating income to assets | 0.3410% | 5,276 |
| Return on assets (ROA) | 0.3480% | 5,371 |
| Pretax return on assets | 0.5895% | 4,942 |
| Return on Equity (ROE) | 4.1592% | 4,906 |
| Retained earnings to average equity (ytd only) | 3.3875% | 3,948 |
| Net charge-offs to loans | 0.0002% | 3,286 |
| Credit loss provision to net charge-offs | 11,360.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 3,519.2000% | 5 |
| Efficiency ratio | 62.3641% | 4,740 |
| Assets per employee ($millions) | 14.8534% | 79 |
| Cash dividends to net income (ytd only)* | 18.5547% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2355% | 6,313 |
| Loan loss allowance to noncurrent loans | 367.9191% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 5,738 |
| Noncurrent loans to loans | 0.0640% | 5,516 |
| Net loans and leases to total assets | 77.1375% | 1,039 |
| Net loans and leases to deposits | 85.5819% | 1,888 |
| Net loans and leases to core deposits | 101.3942% | 1,225 |
| Total domestic deposits to total assets | 90.1330% | 681 |
| Equity capital to assets | 8.3380% | 5,848 |
| Core capital (leverage) ratio | 6.3425% | 6,313 |
| Tier 1 risk-based capital ratio | 14.5823% | 3,680 |
| Total risk-based capital ratio | 15.0899% | 4,047 |
| Memoranda: | ||
| Average total assets | $11,771,063,500 | 104 |
| Average earning assets | $11,165,245,500 | 102 |
| Average equity | $984,808,000 | 143 |
| Average total loans | $9,116,126,500 | 96 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1106% | 6,409 |
| Cost of funding earning assets | 0.4517% | 3,155 |
| Net interest margin | 1.6589% | 6,416 |
| Noninterest income to average assets | 0.2809% | 5,109 |
| Noninterest expense to average assets | 1.0232% | 6,445 |
| Loan and lease loss provision to assets | 0.0268% | 4,071 |
| Net operating income to assets | 0.4410% | 5,058 |
| Return on assets (ROA) | 0.4545% | 5,092 |
| Pretax return on assets | 0.8268% | 4,158 |
| Return on Equity (ROE) | 5.4996% | 4,405 |
| Retained earnings to average equity (ytd only) | 4.7126% | 2,825 |
| Net charge-offs to loans | 0.0011% | 4,955 |
| Credit loss provision to net charge-offs | 3,081.1881% | 98 |
| Earnings coverage of net charge-offs (x) | 958.6337% | 44 |
| Efficiency ratio | 55.0394% | 5,760 |
| Assets per employee ($millions) | 14.5017% | 82 |
| Cash dividends to net income (ytd only)* | 14.3109% | 4,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2330% | 6,406 |
| Loan loss allowance to noncurrent loans | 323.1335% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 5,793 |
| Noncurrent loans to loans | 0.0721% | 5,588 |
| Net loans and leases to total assets | 77.3925% | 1,088 |
| Net loans and leases to deposits | 85.7614% | 2,016 |
| Net loans and leases to core deposits | 101.7731% | 1,262 |
| Total domestic deposits to total assets | 90.2417% | 635 |
| Equity capital to assets | 8.3952% | 5,831 |
| Core capital (leverage) ratio | 6.1729% | 6,396 |
| Tier 1 risk-based capital ratio | 15.3126% | 3,306 |
| Total risk-based capital ratio | 15.8384% | 3,658 |
| Memoranda: | ||
| Average total assets | $11,630,323,200 | 104 |
| Average earning assets | $11,040,788,000 | 101 |
| Average equity | $961,062,800 | 137 |
| Average total loans | $8,799,180,400 | 94 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1131% | 6,492 |
| Cost of funding earning assets | 0.4436% | 3,328 |
| Net interest margin | 1.6694% | 6,496 |
| Noninterest income to average assets | 0.3079% | 4,978 |
| Noninterest expense to average assets | 1.0158% | 6,521 |
| Loan and lease loss provision to assets | 0.0357% | 3,693 |
| Net operating income to assets | 0.4854% | 4,924 |
| Return on assets (ROA) | 0.4861% | 4,988 |
| Pretax return on assets | 0.8424% | 4,211 |
| Return on Equity (ROE) | 5.9058% | 4,281 |
| Retained earnings to average equity (ytd only) | 5.1163% | 3,008 |
| Net charge-offs to loans | 0.0006% | 4,689 |
| Credit loss provision to net charge-offs | 8,189.4737% | 52 |
| Earnings coverage of net charge-offs (x) | 2,011.7383% | 23 |
| Efficiency ratio | 53.5693% | 5,867 |
| Assets per employee ($millions) | 14.6102% | 84 |
| Cash dividends to net income (ytd only)* | 13.3670% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2303% | 6,484 |
| Loan loss allowance to noncurrent loans | 293.3398% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 5,901 |
| Noncurrent loans to loans | 0.0785% | 5,709 |
| Net loans and leases to total assets | 78.3748% | 919 |
| Net loans and leases to deposits | 86.7775% | 1,821 |
| Net loans and leases to core deposits | 103.2286% | 1,142 |
| Total domestic deposits to total assets | 90.3170% | 607 |
| Equity capital to assets | 8.3340% | 5,916 |
| Core capital (leverage) ratio | 6.1083% | 6,473 |
| Tier 1 risk-based capital ratio | 14.9704% | 3,605 |
| Total risk-based capital ratio | 15.4636% | 4,003 |
| Memoranda: | ||
| Average total assets | $11,623,061,250 | 103 |
| Average earning assets | $11,034,069,500 | 102 |
| Average equity | $956,621,750 | 138 |
| Average total loans | $8,737,836,750 | 95 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0942% | 6,563 |
| Cost of funding earning assets | 0.4396% | 3,446 |
| Net interest margin | 1.6547% | 6,568 |
| Noninterest income to average assets | 0.3583% | 4,553 |
| Noninterest expense to average assets | 1.0105% | 6,593 |
| Loan and lease loss provision to assets | 0.0140% | 3,977 |
| Net operating income to assets | 0.5288% | 4,698 |
| Return on assets (ROA) | 0.5299% | 4,780 |
| Pretax return on assets | 0.9056% | 3,871 |
| Return on Equity (ROE) | 6.4657% | 3,899 |
| Retained earnings to average equity (ytd only) | 5.6740% | 2,528 |
| Net charge-offs to loans | 0.0004% | 4,370 |
| Credit loss provision to net charge-offs | 4,273.6842% | 85 |
| Earnings coverage of net charge-offs (x) | 2,802.5263% | 12 |
| Efficiency ratio | 52.3046% | 6,046 |
| Assets per employee ($millions) | 14.5310% | 82 |
| Cash dividends to net income (ytd only)* | 12.2454% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2084% | 6,566 |
| Loan loss allowance to noncurrent loans | 237.6512% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.0685% | 5,967 |
| Noncurrent loans to loans | 0.0877% | 5,754 |
| Net loans and leases to total assets | 77.9884% | 910 |
| Net loans and leases to deposits | 86.5728% | 1,762 |
| Net loans and leases to core deposits | 101.8047% | 1,147 |
| Total domestic deposits to total assets | 90.0843% | 767 |
| Equity capital to assets | 8.3603% | 5,904 |
| Core capital (leverage) ratio | 6.0718% | 6,530 |
| Tier 1 risk-based capital ratio | 15.0302% | 3,619 |
| Total risk-based capital ratio | 15.4821% | 4,040 |
| Memoranda: | ||
| Average total assets | $11,601,352,670 | 103 |
| Average earning assets | $11,008,856,000 | 102 |
| Average equity | $950,799,670 | 138 |
| Average total loans | $8,589,872,670 | 96 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0580% | 6,641 |
| Cost of funding earning assets | 0.4420% | 3,518 |
| Net interest margin | 1.6161% | 6,647 |
| Noninterest income to average assets | 0.4595% | 3,717 |
| Noninterest expense to average assets | 1.0157% | 6,674 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5732% | 4,337 |
| Return on assets (ROA) | 0.5732% | 4,413 |
| Pretax return on assets | 0.9780% | 3,413 |
| Return on Equity (ROE) | 7.0643% | 3,443 |
| Retained earnings to average equity (ytd only) | 6.2729% | 2,394 |
| Net charge-offs to loans | 0.0008% | 3,654 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1,774.4375% | 10 |
| Efficiency ratio | 50.8535% | 6,202 |
| Assets per employee ($millions) | 14.4156% | 83 |
| Cash dividends to net income (ytd only)* | 11.2033% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2117% | 6,635 |
| Loan loss allowance to noncurrent loans | 222.0295% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 6,054 |
| Noncurrent loans to loans | 0.0954% | 5,841 |
| Net loans and leases to total assets | 73.4887% | 1,353 |
| Net loans and leases to deposits | 81.3349% | 2,124 |
| Net loans and leases to core deposits | 93.6969% | 1,574 |
| Total domestic deposits to total assets | 90.3532% | 889 |
| Equity capital to assets | 8.2186% | 5,899 |
| Core capital (leverage) ratio | 5.9600% | 6,593 |
| Tier 1 risk-based capital ratio | 15.2428% | 3,584 |
| Total risk-based capital ratio | 15.6837% | 4,001 |
| Memoranda: | ||
| Average total assets | $11,611,442,500 | 102 |
| Average earning assets | $11,023,797,000 | 100 |
| Average equity | $942,088,000 | 139 |
| Average total loans | $8,359,391,500 | 95 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0781% | 6,704 |
| Cost of funding earning assets | 0.4872% | 3,741 |
| Net interest margin | 1.5909% | 6,711 |
| Noninterest income to average assets | 0.1420% | 6,232 |
| Noninterest expense to average assets | 1.0253% | 6,745 |
| Loan and lease loss provision to assets | 0.0524% | 4,088 |
| Net operating income to assets | 0.3204% | 5,454 |
| Return on assets (ROA) | 0.3661% | 5,390 |
| Pretax return on assets | 0.6555% | 4,681 |
| Return on Equity (ROE) | 4.5869% | 4,841 |
| Retained earnings to average equity (ytd only) | -1.8576% | 6,161 |
| Net charge-offs to loans | 0.0023% | 5,433 |
| Credit loss provision to net charge-offs | 3,494.5122% | 66 |
| Earnings coverage of net charge-offs (x) | 424.2805% | 99 |
| Efficiency ratio | 61.6198% | 5,271 |
| Assets per employee ($millions) | 13.9990% | 90 |
| Cash dividends to net income (ytd only)* | 140.4981% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2205% | 6,705 |
| Loan loss allowance to noncurrent loans | 182.7164% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 6,090 |
| Noncurrent loans to loans | 0.1207% | 5,841 |
| Net loans and leases to total assets | 70.1958% | 1,982 |
| Net loans and leases to deposits | 77.4917% | 2,788 |
| Net loans and leases to core deposits | 90.4487% | 1,970 |
| Total domestic deposits to total assets | 90.5848% | 762 |
| Equity capital to assets | 8.0090% | 6,014 |
| Core capital (leverage) ratio | 5.6956% | 6,673 |
| Tier 1 risk-based capital ratio | 15.1472% | 3,580 |
| Total risk-based capital ratio | 15.5849% | 4,004 |
| Memoranda: | ||
| Average total assets | $10,933,291,800 | 104 |
| Average earning assets | $10,444,315,200 | 100 |
| Average equity | $872,672,000 | 140 |
| Average total loans | $7,042,624,800 | 105 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0743% | 6,793 |
| Cost of funding earning assets | 0.4866% | 3,897 |
| Net interest margin | 1.5877% | 6,797 |
| Noninterest income to average assets | 0.1274% | 6,382 |
| Noninterest expense to average assets | 0.9993% | 6,830 |
| Loan and lease loss provision to assets | 0.0362% | 4,293 |
| Net operating income to assets | 0.3800% | 5,333 |
| Return on assets (ROA) | 0.4219% | 5,297 |
| Pretax return on assets | 0.6765% | 4,762 |
| Return on Equity (ROE) | 5.2910% | 4,568 |
| Retained earnings to average equity (ytd only) | -3.1623% | 6,369 |
| Net charge-offs to loans | 0.0025% | 5,163 |
| Credit loss provision to net charge-offs | 2,314.2857% | 143 |
| Earnings coverage of net charge-offs (x) | 414.2913% | 140 |
| Efficiency ratio | 60.6215% | 5,343 |
| Assets per employee ($millions) | 14.2542% | 92 |
| Cash dividends to net income (ytd only)* | 159.7667% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2016% | 6,793 |
| Loan loss allowance to noncurrent loans | 212.2727% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 6,267 |
| Noncurrent loans to loans | 0.0950% | 6,051 |
| Net loans and leases to total assets | 63.6692% | 3,052 |
| Net loans and leases to deposits | 70.2189% | 3,758 |
| Net loans and leases to core deposits | 83.1243% | 2,751 |
| Total domestic deposits to total assets | 90.6725% | 671 |
| Equity capital to assets | 7.8135% | 6,253 |
| Core capital (leverage) ratio | 5.5092% | 6,759 |
| Tier 1 risk-based capital ratio | 16.8921% | 2,756 |
| Total risk-based capital ratio | 17.3343% | 3,106 |
| Memoranda: | ||
| Average total assets | $10,754,826,000 | 105 |
| Average earning assets | $10,289,184,000 | 101 |
| Average equity | $857,635,750 | 140 |
| Average total loans | $6,754,812,000 | 105 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1094% | 6,833 |
| Cost of funding earning assets | 0.4750% | 4,147 |
| Net interest margin | 1.6344% | 6,839 |
| Noninterest income to average assets | 0.1223% | 6,443 |
| Noninterest expense to average assets | 0.9899% | 6,882 |
| Loan and lease loss provision to assets | 0.0178% | 4,541 |
| Net operating income to assets | 0.4093% | 5,182 |
| Return on assets (ROA) | 0.4585% | 5,152 |
| Pretax return on assets | 0.7609% | 4,466 |
| Return on Equity (ROE) | 5.7053% | 4,347 |
| Retained earnings to average equity (ytd only) | -6.8891% | 6,562 |
| Net charge-offs to loans | 0.0034% | 4,854 |
| Credit loss provision to net charge-offs | 837.2727% | 362 |
| Earnings coverage of net charge-offs (x) | 331.0545% | 150 |
| Efficiency ratio | 58.4643% | 5,672 |
| Assets per employee ($millions) | 14.4296% | 87 |
| Cash dividends to net income (ytd only)* | 220.7500% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1853% | 6,844 |
| Loan loss allowance to noncurrent loans | 184.9007% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 6,320 |
| Noncurrent loans to loans | 0.1002% | 6,097 |
| Net loans and leases to total assets | 59.8098% | 3,689 |
| Net loans and leases to deposits | 65.8025% | 4,285 |
| Net loans and leases to core deposits | 79.2494% | 3,121 |
| Total domestic deposits to total assets | 90.8929% | 583 |
| Equity capital to assets | 7.6809% | 6,376 |
| Core capital (leverage) ratio | 5.6419% | 6,784 |
| Tier 1 risk-based capital ratio | 18.6540% | 2,098 |
| Total risk-based capital ratio | 19.0920% | 2,340 |
| Memoranda: | ||
| Average total assets | $10,377,103,670 | 107 |
| Average earning assets | $9,963,943,330 | 104 |
| Average equity | $833,892,670 | 141 |
| Average total loans | $6,478,322,000 | 107 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0617% | 6,920 |
| Cost of funding earning assets | 0.4647% | 4,431 |
| Net interest margin | 1.5971% | 6,925 |
| Noninterest income to average assets | 0.2833% | 5,436 |
| Noninterest expense to average assets | 0.8989% | 6,970 |
| Loan and lease loss provision to assets | 0.0176% | 4,244 |
| Net operating income to assets | 0.5172% | 4,575 |
| Return on assets (ROA) | 0.5211% | 4,708 |
| Pretax return on assets | 0.9192% | 3,693 |
| Return on Equity (ROE) | 6.3103% | 3,876 |
| Retained earnings to average equity (ytd only) | 6.3103% | 2,503 |
| Net charge-offs to loans | 0.0010% | 4,140 |
| Credit loss provision to net charge-offs | 2,813.3333% | 112 |
| Earnings coverage of net charge-offs (x) | 1,484.4667% | 8 |
| Efficiency ratio | 49.1307% | 6,560 |
| Assets per employee ($millions) | 15.9396% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2003% | 6,913 |
| Loan loss allowance to noncurrent loans | 181.6864% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.0759% | 6,367 |
| Noncurrent loans to loans | 0.1103% | 6,152 |
| Net loans and leases to total assets | 68.7147% | 1,887 |
| Net loans and leases to deposits | 80.7037% | 1,988 |
| Net loans and leases to core deposits | 106.9586% | 606 |
| Total domestic deposits to total assets | 85.1445% | 3,965 |
| Equity capital to assets | 8.6184% | 5,895 |
| Core capital (leverage) ratio | 7.9822% | 6,162 |
| Tier 1 risk-based capital ratio | 25.1808% | 865 |
| Total risk-based capital ratio | 25.6577% | 950 |
| Memoranda: | ||
| Average total assets | $9,570,138,000 | 114 |
| Average earning assets | $9,266,047,500 | 112 |
| Average equity | $790,329,000 | 151 |
| Average total loans | $6,124,921,000 | 114 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4290% | 6,951 |
| Cost of funding earning assets | 0.5700% | 4,645 |
| Net interest margin | 1.8590% | 6,950 |
| Noninterest income to average assets | 0.4051% | 4,564 |
| Noninterest expense to average assets | 1.0235% | 7,009 |
| Loan and lease loss provision to assets | 0.0336% | 5,469 |
| Net operating income to assets | 0.6660% | 3,906 |
| Return on assets (ROA) | 0.6779% | 4,111 |
| Pretax return on assets | 1.1510% | 2,985 |
| Return on Equity (ROE) | 7.8933% | 3,136 |
| Retained earnings to average equity (ytd only) | 7.8933% | 1,159 |
| Net charge-offs to loans | 0.0012% | 5,974 |
| Credit loss provision to net charge-offs | 5,101.7544% | 49 |
| Earnings coverage of net charge-offs (x) | 1,771.2456% | 16 |
| Efficiency ratio | 46.7432% | 6,763 |
| Assets per employee ($millions) | 16.4709% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2152% | 6,964 |
| Loan loss allowance to noncurrent loans | 163.1002% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 6,410 |
| Noncurrent loans to loans | 0.1320% | 6,153 |
| Net loans and leases to total assets | 59.2321% | 3,744 |
| Net loans and leases to deposits | 69.0276% | 3,834 |
| Net loans and leases to core deposits | 97.7068% | 1,166 |
| Total domestic deposits to total assets | 85.8093% | 3,450 |
| Equity capital to assets | 7.9138% | 6,449 |
| Core capital (leverage) ratio | 8.1452% | 6,045 |
| Tier 1 risk-based capital ratio | 24.6029% | 897 |
| Total risk-based capital ratio | 25.0519% | 972 |
| Memoranda: | ||
| Average total assets | $8,657,879,800 | 124 |
| Average earning assets | $8,310,832,400 | 119 |
| Average equity | $743,513,200 | 151 |
| Average total loans | $4,893,690,000 | 131 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4597% | 7,059 |
| Cost of funding earning assets | 0.5928% | 4,723 |
| Net interest margin | 1.8669% | 7,067 |
| Noninterest income to average assets | 0.4247% | 4,445 |
| Noninterest expense to average assets | 1.0286% | 7,112 |
| Loan and lease loss provision to assets | 0.0203% | 5,543 |
| Net operating income to assets | 0.6879% | 3,962 |
| Return on assets (ROA) | 0.7038% | 4,137 |
| Pretax return on assets | 1.1896% | 3,026 |
| Return on Equity (ROE) | 8.0117% | 3,281 |
| Retained earnings to average equity (ytd only) | 8.0117% | 1,611 |
| Net charge-offs to loans | 0.0012% | 5,763 |
| Credit loss provision to net charge-offs | 3,114.6341% | 88 |
| Earnings coverage of net charge-offs (x) | 1,815.4781% | 17 |
| Efficiency ratio | 46.4700% | 6,800 |
| Assets per employee ($millions) | 15.0314% | 89 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2117% | 7,073 |
| Loan loss allowance to noncurrent loans | 178.9707% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 6,574 |
| Noncurrent loans to loans | 0.1183% | 6,316 |
| Net loans and leases to total assets | 56.7914% | 4,331 |
| Net loans and leases to deposits | 63.7257% | 4,751 |
| Net loans and leases to core deposits | 86.0626% | 2,455 |
| Total domestic deposits to total assets | 89.1184% | 1,366 |
| Equity capital to assets | 8.4267% | 6,323 |
| Core capital (leverage) ratio | 8.4235% | 5,870 |
| Tier 1 risk-based capital ratio | 24.4739% | 958 |
| Total risk-based capital ratio | 24.8607% | 1,054 |
| Memoranda: | ||
| Average total assets | $8,376,418,000 | 126 |
| Average earning assets | $8,026,109,500 | 121 |
| Average equity | $735,824,250 | 154 |
| Average total loans | $4,665,211,000 | 132 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5839% | 7,106 |
| Cost of funding earning assets | 0.6076% | 4,836 |
| Net interest margin | 1.9763% | 7,111 |
| Noninterest income to average assets | 0.3627% | 4,937 |
| Noninterest expense to average assets | 1.0512% | 7,179 |
| Loan and lease loss provision to assets | 0.0313% | 5,273 |
| Net operating income to assets | 0.6975% | 3,882 |
| Return on assets (ROA) | 0.7170% | 4,042 |
| Pretax return on assets | 1.2099% | 2,876 |
| Return on Equity (ROE) | 8.0416% | 3,240 |
| Retained earnings to average equity (ytd only) | 8.0416% | 1,623 |
| Net charge-offs to loans | 0.0013% | 5,500 |
| Credit loss provision to net charge-offs | 4,403.4483% | 64 |
| Earnings coverage of net charge-offs (x) | 1,702.4483% | 12 |
| Efficiency ratio | 46.4796% | 6,862 |
| Assets per employee ($millions) | 14.1507% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2326% | 7,140 |
| Loan loss allowance to noncurrent loans | 151.0744% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.0847% | 6,597 |
| Noncurrent loans to loans | 0.1540% | 6,276 |
| Net loans and leases to total assets | 54.8714% | 4,651 |
| Net loans and leases to deposits | 61.7120% | 5,038 |
| Net loans and leases to core deposits | 79.3389% | 3,315 |
| Total domestic deposits to total assets | 88.9153% | 1,566 |
| Equity capital to assets | 8.7030% | 6,026 |
| Core capital (leverage) ratio | 8.6316% | 5,475 |
| Tier 1 risk-based capital ratio | 26.1878% | 790 |
| Total risk-based capital ratio | 26.6114% | 852 |
| Memoranda: | ||
| Average total assets | $8,157,266,670 | 127 |
| Average earning assets | $7,837,973,000 | 121 |
| Average equity | $727,345,330 | 152 |
| Average total loans | $4,506,499,330 | 133 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5270% | 7,170 |
| Cost of funding earning assets | 0.6185% | 4,977 |
| Net interest margin | 1.9085% | 7,187 |
| Noninterest income to average assets | 0.9003% | 1,744 |
| Noninterest expense to average assets | 1.0766% | 7,240 |
| Loan and lease loss provision to assets | 0.0057% | 5,203 |
| Net operating income to assets | 0.9612% | 2,633 |
| Return on assets (ROA) | 1.0016% | 2,667 |
| Pretax return on assets | 1.7200% | 1,254 |
| Return on Equity (ROE) | 11.0916% | 1,990 |
| Retained earnings to average equity (ytd only) | 11.0916% | 1,005 |
| Net charge-offs to loans | 0.0011% | 4,728 |
| Credit loss provision to net charge-offs | 950.0000% | 368 |
| Earnings coverage of net charge-offs (x) | 2,762.5000% | 1 |
| Efficiency ratio | 39.3057% | 7,118 |
| Assets per employee ($millions) | 13.2660% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2200% | 7,197 |
| Loan loss allowance to noncurrent loans | 156.8441% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 6,699 |
| Noncurrent loans to loans | 0.1403% | 6,407 |
| Net loans and leases to total assets | 52.8317% | 4,902 |
| Net loans and leases to deposits | 59.3436% | 5,239 |
| Net loans and leases to core deposits | 74.1597% | 3,883 |
| Total domestic deposits to total assets | 89.0268% | 1,683 |
| Equity capital to assets | 8.7345% | 5,832 |
| Core capital (leverage) ratio | 9.0852% | 4,709 |
| Tier 1 risk-based capital ratio | 26.9709% | 737 |
| Total risk-based capital ratio | 27.3719% | 780 |
| Memoranda: | ||
| Average total assets | $7,976,550,500 | 128 |
| Average earning assets | $7,684,589,500 | 121 |
| Average equity | $720,327,000 | 151 |
| Average total loans | $4,417,134,500 | 133 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7945% | 7,227 |
| Cost of funding earning assets | 0.7386% | 5,286 |
| Net interest margin | 2.0559% | 7,212 |
| Noninterest income to average assets | 0.1391% | 6,461 |
| Noninterest expense to average assets | 1.2230% | 7,264 |
| Loan and lease loss provision to assets | 0.0272% | 6,235 |
| Net operating income to assets | 0.5927% | 4,040 |
| Return on assets (ROA) | 0.5981% | 4,194 |
| Pretax return on assets | 0.8756% | 3,689 |
| Return on Equity (ROE) | 6.0582% | 3,848 |
| Retained earnings to average equity (ytd only) | 3.1422% | 3,983 |
| Net charge-offs to loans | -0.0017% | 6,797 |
| Credit loss provision to net charge-offs | -3,198.3051% | 6,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7525% | 6,083 |
| Assets per employee ($millions) | 12.0353% | 148 |
| Cash dividends to net income (ytd only)* | 48.1336% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2192% | 7,250 |
| Loan loss allowance to noncurrent loans | 172.9831% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0736% | 6,767 |
| Noncurrent loans to loans | 0.1267% | 6,488 |
| Net loans and leases to total assets | 57.9301% | 4,379 |
| Net loans and leases to deposits | 65.6732% | 4,780 |
| Net loans and leases to core deposits | 76.0341% | 3,977 |
| Total domestic deposits to total assets | 88.2096% | 2,021 |
| Equity capital to assets | 9.3574% | 5,079 |
| Core capital (leverage) ratio | 9.5200% | 3,995 |
| Tier 1 risk-based capital ratio | 25.4938% | 822 |
| Total risk-based capital ratio | 25.8818% | 898 |
| Memoranda: | ||
| Average total assets | $6,946,956,000 | 139 |
| Average earning assets | $6,685,602,000 | 133 |
| Average equity | $685,858,200 | 155 |
| Average total loans | $3,502,680,200 | 163 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8499% | 7,293 |
| Cost of funding earning assets | 0.7657% | 5,363 |
| Net interest margin | 2.0841% | 7,286 |
| Noninterest income to average assets | -0.0686% | 7,187 |
| Noninterest expense to average assets | 1.2451% | 7,330 |
| Loan and lease loss provision to assets | 0.0200% | 6,187 |
| Net operating income to assets | 0.4658% | 4,696 |
| Return on assets (ROA) | 0.4741% | 4,854 |
| Pretax return on assets | 0.6858% | 4,532 |
| Return on Equity (ROE) | 4.7334% | 4,648 |
| Retained earnings to average equity (ytd only) | 4.7334% | 3,356 |
| Net charge-offs to loans | 0.0051% | 6,111 |
| Credit loss provision to net charge-offs | 807.1429% | 331 |
| Earnings coverage of net charge-offs (x) | 280.2470% | 134 |
| Efficiency ratio | 64.2236% | 5,031 |
| Assets per employee ($millions) | 11.2549% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2175% | 7,327 |
| Loan loss allowance to noncurrent loans | 171.7426% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.0842% | 6,843 |
| Noncurrent loans to loans | 0.1267% | 6,621 |
| Net loans and leases to total assets | 55.6853% | 4,888 |
| Net loans and leases to deposits | 63.7467% | 5,205 |
| Net loans and leases to core deposits | 68.8045% | 5,084 |
| Total domestic deposits to total assets | 87.3539% | 2,439 |
| Equity capital to assets | 9.7146% | 4,755 |
| Core capital (leverage) ratio | 10.2269% | 3,161 |
| Tier 1 risk-based capital ratio | 26.1831% | 817 |
| Total risk-based capital ratio | 26.5239% | 881 |
| Memoranda: | ||
| Average total assets | $6,788,133,750 | 142 |
| Average earning assets | $6,537,672,500 | 137 |
| Average equity | $679,948,000 | 156 |
| Average total loans | $3,277,837,750 | 169 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9349% | 7,355 |
| Cost of funding earning assets | 0.7830% | 5,492 |
| Net interest margin | 2.1519% | 7,328 |
| Noninterest income to average assets | 0.2224% | 6,081 |
| Noninterest expense to average assets | 1.2897% | 7,398 |
| Loan and lease loss provision to assets | 0.0214% | 6,018 |
| Net operating income to assets | 0.6125% | 3,997 |
| Return on assets (ROA) | 0.6244% | 4,069 |
| Pretax return on assets | 1.0113% | 3,202 |
| Return on Equity (ROE) | 6.1681% | 3,877 |
| Retained earnings to average equity (ytd only) | 6.1681% | 2,320 |
| Net charge-offs to loans | 0.0031% | 5,843 |
| Credit loss provision to net charge-offs | 1,523.4043% | 223 |
| Earnings coverage of net charge-offs (x) | 721.6809% | 41 |
| Efficiency ratio | 55.9865% | 6,427 |
| Assets per employee ($millions) | 10.7035% | 202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2620% | 7,368 |
| Loan loss allowance to noncurrent loans | 151.4472% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.0817% | 6,894 |
| Noncurrent loans to loans | 0.1730% | 6,549 |
| Net loans and leases to total assets | 47.1096% | 6,142 |
| Net loans and leases to deposits | 53.4745% | 6,349 |
| Net loans and leases to core deposits | 56.7776% | 6,362 |
| Total domestic deposits to total assets | 88.0973% | 2,084 |
| Equity capital to assets | 10.1748% | 3,909 |
| Core capital (leverage) ratio | 10.2602% | 2,963 |
| Tier 1 risk-based capital ratio | 28.8500% | 610 |
| Total risk-based capital ratio | 29.3034% | 643 |
| Memoranda: | ||
| Average total assets | $6,691,067,670 | 145 |
| Average earning assets | $6,470,893,000 | 139 |
| Average equity | $677,355,000 | 158 |
| Average total loans | $3,053,537,670 | 177 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7904% | 7,445 |
| Cost of funding earning assets | 0.7828% | 5,655 |
| Net interest margin | 2.0075% | 7,410 |
| Noninterest income to average assets | 0.3854% | 4,829 |
| Noninterest expense to average assets | 1.3181% | 7,448 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5948% | 4,060 |
| Return on assets (ROA) | 0.6051% | 4,075 |
| Pretax return on assets | 1.0292% | 3,026 |
| Return on Equity (ROE) | 5.9932% | 3,904 |
| Retained earnings to average equity (ytd only) | 5.9932% | 2,641 |
| Net charge-offs to loans | 0.0035% | 5,081 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 648.0385% | 32 |
| Efficiency ratio | 56.5479% | 6,440 |
| Assets per employee ($millions) | 10.7543% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2554% | 7,426 |
| Loan loss allowance to noncurrent loans | 113.3973% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 6,905 |
| Noncurrent loans to loans | 0.2252% | 6,531 |
| Net loans and leases to total assets | 44.7450% | 6,403 |
| Net loans and leases to deposits | 50.5640% | 6,581 |
| Net loans and leases to core deposits | 53.4319% | 6,594 |
| Total domestic deposits to total assets | 88.4919% | 2,080 |
| Equity capital to assets | 10.1109% | 3,641 |
| Core capital (leverage) ratio | 10.3654% | 2,748 |
| Tier 1 risk-based capital ratio | 29.4143% | 550 |
| Total risk-based capital ratio | 29.8614% | 584 |
| Memoranda: | ||
| Average total assets | $6,654,310,000 | 147 |
| Average earning assets | $6,448,487,500 | 142 |
| Average equity | $671,890,000 | 158 |
| Average total loans | $2,982,736,000 | 178 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8862% | 7,508 |
| Cost of funding earning assets | 0.9601% | 5,887 |
| Net interest margin | 1.9261% | 7,478 |
| Noninterest income to average assets | 0.2053% | 6,319 |
| Noninterest expense to average assets | 1.2667% | 7,528 |
| Loan and lease loss provision to assets | 0.0177% | 6,934 |
| Net operating income to assets | 0.5004% | 4,093 |
| Return on assets (ROA) | 0.5314% | 4,115 |
| Pretax return on assets | 0.8388% | 3,503 |
| Return on Equity (ROE) | 5.6195% | 3,777 |
| Retained earnings to average equity (ytd only) | 5.6195% | 2,042 |
| Net charge-offs to loans | 0.0037% | 6,815 |
| Credit loss provision to net charge-offs | 1,229.2929% | 184 |
| Earnings coverage of net charge-offs (x) | 558.2727% | 40 |
| Efficiency ratio | 61.1373% | 5,871 |
| Assets per employee ($millions) | 10.3910% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2602% | 7,502 |
| Loan loss allowance to noncurrent loans | 126.2787% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 7,000 |
| Noncurrent loans to loans | 0.2061% | 6,654 |
| Net loans and leases to total assets | 44.6716% | 6,660 |
| Net loans and leases to deposits | 50.4101% | 6,834 |
| Net loans and leases to core deposits | 53.2992% | 6,845 |
| Total domestic deposits to total assets | 88.6164% | 1,882 |
| Equity capital to assets | 10.0831% | 3,641 |
| Core capital (leverage) ratio | 10.0649% | 3,012 |
| Tier 1 risk-based capital ratio | 28.7144% | 560 |
| Total risk-based capital ratio | 29.1224% | 602 |
| Memoranda: | ||
| Average total assets | $6,863,792,400 | 144 |
| Average earning assets | $6,652,179,800 | 137 |
| Average equity | $649,100,600 | 160 |
| Average total loans | $2,651,090,800 | 196 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8949% | 7,637 |
| Cost of funding earning assets | 1.0042% | 5,920 |
| Net interest margin | 1.8907% | 7,606 |
| Noninterest income to average assets | 0.3278% | 5,534 |
| Noninterest expense to average assets | 1.2402% | 7,655 |
| Loan and lease loss provision to assets | 0.0146% | 6,896 |
| Net operating income to assets | 0.5914% | 3,913 |
| Return on assets (ROA) | 0.5931% | 4,065 |
| Pretax return on assets | 0.9117% | 3,518 |
| Return on Equity (ROE) | 6.3726% | 3,638 |
| Retained earnings to average equity (ytd only) | 6.3726% | 2,160 |
| Net charge-offs to loans | 0.0039% | 6,624 |
| Credit loss provision to net charge-offs | 1,012.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 637.5307% | 44 |
| Efficiency ratio | 57.4049% | 6,361 |
| Assets per employee ($millions) | 10.7378% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2667% | 7,609 |
| Loan loss allowance to noncurrent loans | 94.1093% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.1138% | 7,071 |
| Noncurrent loans to loans | 0.2833% | 6,622 |
| Net loans and leases to total assets | 40.0625% | 7,070 |
| Net loans and leases to deposits | 45.3261% | 7,190 |
| Net loans and leases to core deposits | 47.9514% | 7,206 |
| Total domestic deposits to total assets | 88.3874% | 1,736 |
| Equity capital to assets | 9.7346% | 4,495 |
| Core capital (leverage) ratio | 9.8158% | 3,467 |
| Tier 1 risk-based capital ratio | 28.5310% | 596 |
| Total risk-based capital ratio | 28.8860% | 639 |
| Memoranda: | ||
| Average total assets | $6,927,574,250 | 141 |
| Average earning assets | $6,715,376,250 | 135 |
| Average equity | $644,786,750 | 156 |
| Average total loans | $2,573,888,500 | 202 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8971% | 7,718 |
| Cost of funding earning assets | 1.0536% | 5,903 |
| Net interest margin | 1.8435% | 7,687 |
| Noninterest income to average assets | 0.3317% | 5,508 |
| Noninterest expense to average assets | 1.2202% | 7,731 |
| Loan and lease loss provision to assets | 0.0218% | 6,716 |
| Net operating income to assets | 0.5513% | 4,085 |
| Return on assets (ROA) | 0.5381% | 4,300 |
| Pretax return on assets | 0.8617% | 3,651 |
| Return on Equity (ROE) | 5.8689% | 3,864 |
| Retained earnings to average equity (ytd only) | 5.8689% | 2,407 |
| Net charge-offs to loans | 0.0045% | 6,312 |
| Credit loss provision to net charge-offs | 1,331.5789% | 297 |
| Earnings coverage of net charge-offs (x) | 552.9825% | 56 |
| Efficiency ratio | 57.4474% | 6,460 |
| Assets per employee ($millions) | 10.8862% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2738% | 7,672 |
| Loan loss allowance to noncurrent loans | 126.4665% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 7,186 |
| Noncurrent loans to loans | 0.2165% | 6,812 |
| Net loans and leases to total assets | 38.4492% | 7,245 |
| Net loans and leases to deposits | 43.1847% | 7,343 |
| Net loans and leases to core deposits | 45.7283% | 7,362 |
| Total domestic deposits to total assets | 89.0345% | 1,421 |
| Equity capital to assets | 9.3639% | 4,908 |
| Core capital (leverage) ratio | 9.5949% | 3,680 |
| Tier 1 risk-based capital ratio | 28.8532% | 575 |
| Total risk-based capital ratio | 29.1826% | 619 |
| Memoranda: | ||
| Average total assets | $6,974,668,670 | 139 |
| Average earning assets | $6,781,055,330 | 134 |
| Average equity | $639,508,670 | 158 |
| Average total loans | $2,523,175,670 | 204 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8238% | 7,832 |
| Cost of funding earning assets | 1.0901% | 5,959 |
| Net interest margin | 1.7338% | 7,792 |
| Noninterest income to average assets | 0.4115% | 4,804 |
| Noninterest expense to average assets | 1.2212% | 7,826 |
| Loan and lease loss provision to assets | 0.0039% | 6,539 |
| Net operating income to assets | 0.5214% | 4,280 |
| Return on assets (ROA) | 0.5336% | 4,355 |
| Pretax return on assets | 0.8950% | 3,491 |
| Return on Equity (ROE) | 5.8806% | 3,931 |
| Retained earnings to average equity (ytd only) | 5.8806% | 2,678 |
| Net charge-offs to loans | 0.0005% | 5,608 |
| Credit loss provision to net charge-offs | 2,300.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 5,141.3333% | 1 |
| Efficiency ratio | 58.1188% | 6,472 |
| Assets per employee ($millions) | 10.5665% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2700% | 7,772 |
| Loan loss allowance to noncurrent loans | 130.7707% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 7,303 |
| Noncurrent loans to loans | 0.2065% | 6,922 |
| Net loans and leases to total assets | 36.4940% | 7,412 |
| Net loans and leases to deposits | 40.7175% | 7,498 |
| Net loans and leases to core deposits | 43.0832% | 7,503 |
| Total domestic deposits to total assets | 89.6272% | 1,171 |
| Equity capital to assets | 9.5102% | 4,517 |
| Core capital (leverage) ratio | 9.7793% | 3,421 |
| Tier 1 risk-based capital ratio | 30.0926% | 523 |
| Total risk-based capital ratio | 30.4767% | 555 |
| Memoranda: | ||
| Average total assets | $7,011,078,500 | 140 |
| Average earning assets | $6,832,540,000 | 133 |
| Average equity | $636,121,000 | 158 |
| Average total loans | $2,454,265,500 | 212 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0720% | 7,875 |
| Cost of funding earning assets | 1.6031% | 5,009 |
| Net interest margin | 1.4689% | 7,873 |
| Noninterest income to average assets | 0.4121% | 5,108 |
| Noninterest expense to average assets | 1.3128% | 7,866 |
| Loan and lease loss provision to assets | 0.0262% | 7,250 |
| Net operating income to assets | 0.2943% | 4,555 |
| Return on assets (ROA) | 0.3018% | 4,605 |
| Pretax return on assets | 0.4998% | 4,186 |
| Return on Equity (ROE) | 3.3249% | 4,372 |
| Retained earnings to average equity (ytd only) | 3.3249% | 2,844 |
| Net charge-offs to loans | 0.0104% | 7,086 |
| Credit loss provision to net charge-offs | 900.5051% | 325 |
| Earnings coverage of net charge-offs (x) | 176.8333% | 159 |
| Efficiency ratio | 71.8459% | 4,285 |
| Assets per employee ($millions) | 11.3926% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2693% | 7,839 |
| Loan loss allowance to noncurrent loans | 218.5529% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 7,407 |
| Noncurrent loans to loans | 0.1232% | 7,115 |
| Net loans and leases to total assets | 33.4499% | 7,613 |
| Net loans and leases to deposits | 41.2066% | 7,591 |
| Net loans and leases to core deposits | 48.6677% | 7,619 |
| Total domestic deposits to total assets | 81.1761% | 5,277 |
| Equity capital to assets | 8.6696% | 5,629 |
| Core capital (leverage) ratio | 9.5845% | 3,619 |
| Tier 1 risk-based capital ratio | 28.5203% | 608 |
| Total risk-based capital ratio | 28.9042% | 646 |
| Memoranda: | ||
| Average total assets | $6,805,963,600 | 138 |
| Average earning assets | $6,556,714,800 | 133 |
| Average equity | $617,673,400 | 155 |
| Average total loans | $1,906,397,200 | 276 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1309% | 7,969 |
| Cost of funding earning assets | 1.7040% | 4,875 |
| Net interest margin | 1.4269% | 7,962 |
| Noninterest income to average assets | 0.4294% | 5,057 |
| Noninterest expense to average assets | 1.2390% | 7,982 |
| Loan and lease loss provision to assets | 0.0217% | 7,137 |
| Net operating income to assets | 0.3356% | 4,659 |
| Return on assets (ROA) | 0.3130% | 4,853 |
| Pretax return on assets | 0.5035% | 4,511 |
| Return on Equity (ROE) | 3.4078% | 4,620 |
| Retained earnings to average equity (ytd only) | 3.4078% | 3,395 |
| Net charge-offs to loans | -0.0011% | 7,579 |
| Credit loss provision to net charge-offs | -7,771.4286% | 7,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8529% | 4,818 |
| Assets per employee ($millions) | 10.2093% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3275% | 7,886 |
| Loan loss allowance to noncurrent loans | 186.2637% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 7,443 |
| Noncurrent loans to loans | 0.1758% | 7,055 |
| Net loans and leases to total assets | 27.9014% | 7,845 |
| Net loans and leases to deposits | 31.1719% | 7,891 |
| Net loans and leases to core deposits | 36.3839% | 7,896 |
| Total domestic deposits to total assets | 89.5082% | 961 |
| Equity capital to assets | 9.4815% | 4,771 |
| Core capital (leverage) ratio | 9.6689% | 3,691 |
| Tier 1 risk-based capital ratio | 29.1681% | 617 |
| Total risk-based capital ratio | 29.6257% | 646 |
| Memoranda: | ||
| Average total assets | $6,684,637,250 | 145 |
| Average earning assets | $6,418,305,250 | 137 |
| Average equity | $614,061,250 | 161 |
| Average total loans | $1,771,619,000 | 304 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1165% | 8,065 |
| Cost of funding earning assets | 1.7740% | 4,889 |
| Net interest margin | 1.3425% | 8,049 |
| Noninterest income to average assets | 0.4767% | 4,658 |
| Noninterest expense to average assets | 1.2069% | 8,084 |
| Loan and lease loss provision to assets | 0.0246% | 6,988 |
| Net operating income to assets | 0.3227% | 4,798 |
| Return on assets (ROA) | 0.2938% | 5,030 |
| Pretax return on assets | 0.4818% | 4,680 |
| Return on Equity (ROE) | 3.2326% | 4,807 |
| Retained earnings to average equity (ytd only) | 3.2326% | 3,518 |
| Net charge-offs to loans | 0.0001% | 6,627 |
| Credit loss provision to net charge-offs | 82,500.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 18,458.0000% | 1 |
| Efficiency ratio | 68.6371% | 5,044 |
| Assets per employee ($millions) | 9.9961% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3138% | 7,978 |
| Loan loss allowance to noncurrent loans | 307.9852% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 7,545 |
| Noncurrent loans to loans | 0.1019% | 7,270 |
| Net loans and leases to total assets | 28.0426% | 7,927 |
| Net loans and leases to deposits | 31.5217% | 7,975 |
| Net loans and leases to core deposits | 36.7922% | 7,966 |
| Total domestic deposits to total assets | 88.9630% | 1,288 |
| Equity capital to assets | 9.4089% | 4,736 |
| Core capital (leverage) ratio | 9.4815% | 3,919 |
| Tier 1 risk-based capital ratio | 28.0903% | 710 |
| Total risk-based capital ratio | 28.3712% | 757 |
| Memoranda: | ||
| Average total assets | $6,694,038,330 | 151 |
| Average earning assets | $6,390,700,670 | 144 |
| Average equity | $608,371,330 | 167 |
| Average total loans | $1,741,045,000 | 319 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8588% | 8,146 |
| Cost of funding earning assets | 1.9267% | 4,501 |
| Net interest margin | 0.9321% | 8,171 |
| Noninterest income to average assets | 0.2673% | 6,303 |
| Noninterest expense to average assets | 1.0512% | 8,158 |
| Loan and lease loss provision to assets | 0.0087% | 6,704 |
| Net operating income to assets | 0.0933% | 6,000 |
| Return on assets (ROA) | 0.0091% | 6,388 |
| Pretax return on assets | 0.0033% | 6,367 |
| Return on Equity (ROE) | 0.1016% | 6,393 |
| Retained earnings to average equity (ytd only) | 0.1016% | 5,620 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6184% | 1,601 |
| Assets per employee ($millions) | 10.0428% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2973% | 8,031 |
| Loan loss allowance to noncurrent loans | 424.5875% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 7,579 |
| Noncurrent loans to loans | 0.0700% | 7,325 |
| Net loans and leases to total assets | 26.0380% | 7,999 |
| Net loans and leases to deposits | 28.9029% | 8,056 |
| Net loans and leases to core deposits | 34.1804% | 8,043 |
| Total domestic deposits to total assets | 90.0876% | 759 |
| Equity capital to assets | 9.0773% | 5,252 |
| Core capital (leverage) ratio | 9.3023% | 4,244 |
| Tier 1 risk-based capital ratio | 26.6745% | 836 |
| Total risk-based capital ratio | 26.9052% | 897 |
| Memoranda: | ||
| Average total assets | $6,742,331,500 | 151 |
| Average earning assets | $6,365,956,500 | 145 |
| Average equity | $602,183,500 | 165 |
| Average total loans | $1,683,605,500 | 327 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1392% | 8,085 |
| Cost of funding earning assets | 2.5254% | 4,070 |
| Net interest margin | 1.6138% | 8,168 |
| Noninterest income to average assets | 0.4048% | 5,430 |
| Noninterest expense to average assets | 0.9980% | 8,204 |
| Loan and lease loss provision to assets | 0.0056% | 7,289 |
| Net operating income to assets | 1.0787% | 2,227 |
| Return on assets (ROA) | 0.4163% | 4,902 |
| Pretax return on assets | -0.0893% | 6,258 |
| Return on Equity (ROE) | 4.5271% | 4,586 |
| Retained earnings to average equity (ytd only) | -13.6237% | 7,380 |
| Net charge-offs to loans | 0.0012% | 7,021 |
| Credit loss provision to net charge-offs | 2,322.2222% | 199 |
| Earnings coverage of net charge-offs (x) | 3,957.7222% | 4 |
| Efficiency ratio | 51.1991% | 7,574 |
| Assets per employee ($millions) | 10.3259% | 232 |
| Cash dividends to net income (ytd only)* | 400.9366% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3056% | 8,080 |
| Loan loss allowance to noncurrent loans | 403.2258% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 7,528 |
| Noncurrent loans to loans | 0.0758% | 7,196 |
| Net loans and leases to total assets | 23.7909% | 8,109 |
| Net loans and leases to deposits | 26.3487% | 8,154 |
| Net loans and leases to core deposits | 32.5391% | 8,134 |
| Total domestic deposits to total assets | 90.2927% | 552 |
| Equity capital to assets | 8.7904% | 5,669 |
| Core capital (leverage) ratio | 8.8836% | 4,919 |
| Tier 1 risk-based capital ratio | 26.5067% | 862 |
| Total risk-based capital ratio | 26.7295% | 927 |
| Memoranda: | ||
| Average total assets | $7,488,899,800 | 138 |
| Average earning assets | $7,167,070,200 | 131 |
| Average equity | $688,674,400 | 152 |
| Average total loans | $1,482,020,600 | 355 |