| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.1532% | 4,862 |
| Cost of funding earning assets | 0.0169% | 4,864 |
| Net interest margin | 1.1364% | 4,852 |
| Noninterest income to average assets | 0.3195% | 3,517 |
| Noninterest expense to average assets | 0.8588% | 4,859 |
| Loan and lease loss provision to assets | 1.2444% | 22 |
| Net operating income to assets | -0.5606% | 4,836 |
| Return on assets (ROA) | -0.5614% | 4,842 |
| Pretax return on assets | -0.7360% | 4,847 |
| Return on Equity (ROE) | -5.1453% | 4,847 |
| Retained earnings to average equity (ytd only) | -5.1453% | 4,784 |
| Net charge-offs to loans | 0.6332% | 122 |
| Credit loss provision to net charge-offs | 266.4600% | 1,062 |
| Earnings coverage of net charge-offs (x) | 1.2604% | 2,382 |
| Efficiency ratio | 60.7891% | 2,863 |
| Assets per employee ($millions) | 10.6325% | 536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7598% | 202 |
| Loan loss allowance to noncurrent loans | 165.3191% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 1.0715% | 592 |
| Noncurrent loans to loans | 1.6694% | 607 |
| Net loans and leases to total assets | 62.1354% | 1,988 |
| Net loans and leases to deposits | 74.1805% | 1,839 |
| Net loans and leases to core deposits | 76.2626% | 2,023 |
| Total domestic deposits to total assets | 83.7624% | 3,520 |
| Equity capital to assets | 11.9210% | 1,434 |
| Core capital (leverage) ratio | 9.8863% | 2,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4015% | 1,268 |
| Memoranda: |
| Average total assets | $96,655,790,750 | 34 |
| Average earning assets | $89,184,101,750 | 35 |
| Average equity | $10,545,916,750 | 33 |
| Average total loans | $61,676,693,000 | 28 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.5222% | 4,934 |
| Cost of funding earning assets | 0.0089% | 4,915 |
| Net interest margin | 0.5132% | 4,930 |
| Noninterest income to average assets | 0.1155% | 4,625 |
| Noninterest expense to average assets | 0.3538% | 4,943 |
| Loan and lease loss provision to assets | 1.8989% | 8 |
| Net operating income to assets | -1.3068% | 4,911 |
| Return on assets (ROA) | -1.3069% | 4,911 |
| Pretax return on assets | -1.6636% | 4,913 |
| Return on Equity (ROE) | -12.3103% | 4,922 |
| Retained earnings to average equity (ytd only) | -12.3103% | 4,885 |
| Net charge-offs to loans | 0.7798% | 105 |
| Credit loss provision to net charge-offs | 328.1928% | 857 |
| Earnings coverage of net charge-offs (x) | 0.4734% | 2,189 |
| Efficiency ratio | 58.3238% | 3,241 |
| Assets per employee ($millions) | 10.1352% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7590% | 198 |
| Loan loss allowance to noncurrent loans | 147.5827% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 1.1921% | 576 |
| Noncurrent loans to loans | 1.8695% | 541 |
| Net loans and leases to total assets | 61.8078% | 2,200 |
| Net loans and leases to deposits | 72.0744% | 2,196 |
| Net loans and leases to core deposits | 75.3021% | 2,305 |
| Total domestic deposits to total assets | 85.7555% | 2,818 |
| Equity capital to assets | 10.6151% | 2,293 |
| Core capital (leverage) ratio | 8.9967% | 3,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6510% | 1,739 |
| Memoranda: |
| Average total assets | $99,801,598,333 | 33 |
| Average earning assets | $92,136,756,667 | 33 |
| Average equity | $10,595,445,000 | 33 |
| Average total loans | $63,658,398,667 | 28 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9816% | 4,126 |
| Cost of funding earning assets | 0.1492% | 4,308 |
| Net interest margin | 2.8323% | 3,684 |
| Noninterest income to average assets | 0.7604% | 1,684 |
| Noninterest expense to average assets | 2.2025% | 3,108 |
| Loan and lease loss provision to assets | -0.5369% | 4,926 |
| Net operating income to assets | 1.4071% | 1,559 |
| Return on assets (ROA) | 1.4043% | 1,636 |
| Pretax return on assets | 1.7025% | 1,482 |
| Return on Equity (ROE) | 13.2263% | 1,611 |
| Retained earnings to average equity (ytd only) | 13.2263% | 871 |
| Net charge-offs to loans | 0.3730% | 228 |
| Credit loss provision to net charge-offs | -197.8048% | 2,960 |
| Earnings coverage of net charge-offs (x) | 4.9036% | 1,703 |
| Efficiency ratio | 65.3370% | 2,326 |
| Assets per employee ($millions) | 10.7801% | 476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3327% | 344 |
| Loan loss allowance to noncurrent loans | 106.9181% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 1.3978% | 478 |
| Noncurrent loans to loans | 2.1818% | 459 |
| Net loans and leases to total assets | 61.5713% | 2,332 |
| Net loans and leases to deposits | 72.7244% | 2,241 |
| Net loans and leases to core deposits | 76.2394% | 2,329 |
| Total domestic deposits to total assets | 84.6639% | 3,233 |
| Equity capital to assets | 10.7452% | 2,042 |
| Core capital (leverage) ratio | 8.6697% | 3,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3833% | 1,781 |
| Memoranda: |
| Average total assets | $101,777,899,500 | 33 |
| Average earning assets | $93,811,155,000 | 33 |
| Average equity | $10,805,910,500 | 30 |
| Average total loans | $65,026,082,500 | 27 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2852% | 4,352 |
| Cost of funding earning assets | 0.4799% | 3,082 |
| Net interest margin | 2.8053% | 4,259 |
| Noninterest income to average assets | 0.8030% | 1,519 |
| Noninterest expense to average assets | 4.3751% | 280 |
| Loan and lease loss provision to assets | 0.9854% | 100 |
| Net operating income to assets | -2.0092% | 4,960 |
| Return on assets (ROA) | -1.9878% | 4,960 |
| Pretax return on assets | -1.9740% | 4,959 |
| Return on Equity (ROE) | -18.0074% | 4,971 |
| Retained earnings to average equity (ytd only) | -18.0074% | 4,955 |
| Net charge-offs to loans | 0.5900% | 256 |
| Credit loss provision to net charge-offs | 246.2213% | 1,956 |
| Earnings coverage of net charge-offs (x) | -2.5242% | 3,365 |
| Efficiency ratio | 63.7830% | 2,856 |
| Assets per employee ($millions) | 10.3440% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5525% | 246 |
| Loan loss allowance to noncurrent loans | 115.5583% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 1.4536% | 517 |
| Noncurrent loans to loans | 2.2089% | 489 |
| Net loans and leases to total assets | 63.0884% | 2,478 |
| Net loans and leases to deposits | 74.3877% | 2,448 |
| Net loans and leases to core deposits | 78.4858% | 2,513 |
| Total domestic deposits to total assets | 84.8102% | 2,833 |
| Equity capital to assets | 10.4887% | 2,682 |
| Core capital (leverage) ratio | 8.3151% | 4,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4243% | 2,073 |
| Memoranda: |
| Average total assets | $98,040,712,600 | 32 |
| Average earning assets | $89,544,715,600 | 32 |
| Average equity | $10,822,659,800 | 29 |
| Average total loans | $66,486,770,200 | 28 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3509% | 4,412 |
| Cost of funding earning assets | 0.5743% | 2,775 |
| Net interest margin | 2.7765% | 4,373 |
| Noninterest income to average assets | 0.7878% | 1,541 |
| Noninterest expense to average assets | 5.1868% | 175 |
| Loan and lease loss provision to assets | 1.4376% | 66 |
| Net operating income to assets | -3.1377% | 5,007 |
| Return on assets (ROA) | -3.1097% | 5,007 |
| Pretax return on assets | -3.2755% | 5,010 |
| Return on Equity (ROE) | -27.8074% | 5,012 |
| Retained earnings to average equity (ytd only) | -27.8074% | 4,998 |
| Net charge-offs to loans | 0.6714% | 214 |
| Credit loss provision to net charge-offs | 308.0910% | 1,736 |
| Earnings coverage of net charge-offs (x) | -4.0535% | 3,182 |
| Efficiency ratio | 65.9129% | 2,481 |
| Assets per employee ($millions) | 10.5634% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7161% | 184 |
| Loan loss allowance to noncurrent loans | 135.8812% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 1.3293% | 695 |
| Noncurrent loans to loans | 1.9989% | 605 |
| Net loans and leases to total assets | 63.3361% | 2,844 |
| Net loans and leases to deposits | 74.5701% | 2,905 |
| Net loans and leases to core deposits | 79.6033% | 2,878 |
| Total domestic deposits to total assets | 84.9350% | 2,471 |
| Equity capital to assets | 10.1715% | 3,087 |
| Core capital (leverage) ratio | 8.0886% | 4,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9541% | 2,223 |
| Memoranda: |
| Average total assets | $97,143,328,750 | 32 |
| Average earning assets | $88,569,066,500 | 33 |
| Average equity | $10,863,402,500 | 29 |
| Average total loans | $66,659,374,500 | 28 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4740% | 4,443 |
| Cost of funding earning assets | 0.7042% | 2,354 |
| Net interest margin | 2.7698% | 4,488 |
| Noninterest income to average assets | 0.8220% | 1,370 |
| Noninterest expense to average assets | 6.8199% | 113 |
| Loan and lease loss provision to assets | 1.8772% | 59 |
| Net operating income to assets | -5.0879% | 5,052 |
| Return on assets (ROA) | -5.0442% | 5,052 |
| Pretax return on assets | -5.3122% | 5,051 |
| Return on Equity (ROE) | -43.6988% | 5,054 |
| Retained earnings to average equity (ytd only) | -43.6988% | 5,044 |
| Net charge-offs to loans | 0.7038% | 220 |
| Credit loss provision to net charge-offs | 376.1007% | 1,455 |
| Earnings coverage of net charge-offs (x) | -7.0787% | 2,980 |
| Efficiency ratio | 67.2258% | 2,349 |
| Assets per employee ($millions) | 10.4609% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5616% | 202 |
| Loan loss allowance to noncurrent loans | 211.0296% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.8532% | 1,457 |
| Noncurrent loans to loans | 1.2138% | 1,295 |
| Net loans and leases to total assets | 66.1684% | 2,604 |
| Net loans and leases to deposits | 77.8312% | 2,677 |
| Net loans and leases to core deposits | 84.1197% | 2,593 |
| Total domestic deposits to total assets | 85.0153% | 2,397 |
| Equity capital to assets | 10.1881% | 3,033 |
| Core capital (leverage) ratio | 8.0646% | 4,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4393% | 2,425 |
| Memoranda: |
| Average total assets | $95,510,337,667 | 32 |
| Average earning assets | $86,785,380,000 | 33 |
| Average equity | $11,024,799,667 | 29 |
| Average total loans | $66,734,477,333 | 28 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6964% | 4,403 |
| Cost of funding earning assets | 0.8886% | 1,928 |
| Net interest margin | 2.8078% | 4,561 |
| Noninterest income to average assets | 0.8677% | 1,130 |
| Noninterest expense to average assets | 11.7931% | 66 |
| Loan and lease loss provision to assets | 1.5381% | 97 |
| Net operating income to assets | -9.8659% | 5,105 |
| Return on assets (ROA) | -9.7861% | 5,104 |
| Pretax return on assets | -9.8477% | 5,104 |
| Return on Equity (ROE) | -79.6975% | 5,111 |
| Retained earnings to average equity (ytd only) | -79.6975% | 5,103 |
| Net charge-offs to loans | 0.6790% | 223 |
| Credit loss provision to net charge-offs | 319.2776% | 1,130 |
| Earnings coverage of net charge-offs (x) | -17.4185% | 2,542 |
| Efficiency ratio | 69.9109% | 2,367 |
| Assets per employee ($millions) | 9.2640% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9969% | 502 |
| Loan loss allowance to noncurrent loans | 182.8677% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.8334% | 1,610 |
| Noncurrent loans to loans | 1.0920% | 1,524 |
| Net loans and leases to total assets | 71.2817% | 2,042 |
| Net loans and leases to deposits | 85.5026% | 2,057 |
| Net loans and leases to core deposits | 96.0851% | 1,783 |
| Total domestic deposits to total assets | 83.3679% | 2,994 |
| Equity capital to assets | 11.1491% | 2,724 |
| Core capital (leverage) ratio | 8.6820% | 4,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3833% | 2,536 |
| Memoranda: |
| Average total assets | $92,838,880,500 | 32 |
| Average earning assets | $83,821,444,000 | 34 |
| Average equity | $11,399,704,000 | 29 |
| Average total loans | $65,858,040,500 | 27 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3138% | 3,497 |
| Cost of funding earning assets | 1.1237% | 1,245 |
| Net interest margin | 3.1901% | 4,204 |
| Noninterest income to average assets | 0.8787% | 1,222 |
| Noninterest expense to average assets | 2.8499% | 2,442 |
| Loan and lease loss provision to assets | 0.6518% | 174 |
| Net operating income to assets | 0.0969% | 4,929 |
| Return on assets (ROA) | 0.1205% | 4,932 |
| Pretax return on assets | 0.2451% | 4,856 |
| Return on Equity (ROE) | 0.8705% | 4,929 |
| Retained earnings to average equity (ytd only) | -2.6363% | 4,899 |
| Net charge-offs to loans | 0.8743% | 185 |
| Credit loss provision to net charge-offs | 106.3649% | 2,331 |
| Earnings coverage of net charge-offs (x) | 1.4138% | 3,544 |
| Efficiency ratio | 62.8908% | 3,230 |
| Assets per employee ($millions) | 9.2918% | 455 |
| Cash dividends to net income (ytd only)* | 402.8535% | 19 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4377% | 1,402 |
| Loan loss allowance to noncurrent loans | 135.7630% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.7724% | 1,673 |
| Noncurrent loans to loans | 1.0590% | 1,427 |
| Net loans and leases to total assets | 68.1409% | 2,664 |
| Net loans and leases to deposits | 83.8376% | 2,351 |
| Net loans and leases to core deposits | 94.6887% | 2,005 |
| Total domestic deposits to total assets | 81.2772% | 3,707 |
| Equity capital to assets | 13.4133% | 1,323 |
| Core capital (leverage) ratio | 8.9778% | 4,544 |
| Tier 1 risk-based capital ratio | 11.5637% | 4,593 |
| Total risk-based capital ratio | 13.9418% | 3,834 |
| Memoranda: |
| Average total assets | $91,664,461,800 | 31 |
| Average earning assets | $81,535,953,800 | 32 |
| Average equity | $12,689,911,000 | 26 |
| Average total loans | $64,244,369,000 | 26 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3927% | 3,380 |
| Cost of funding earning assets | 1.1413% | 1,207 |
| Net interest margin | 3.2514% | 4,183 |
| Noninterest income to average assets | 0.8700% | 1,216 |
| Noninterest expense to average assets | 2.3207% | 3,899 |
| Loan and lease loss provision to assets | 0.6971% | 151 |
| Net operating income to assets | 0.6115% | 4,269 |
| Return on assets (ROA) | 0.6455% | 4,220 |
| Pretax return on assets | 0.7834% | 4,163 |
| Return on Equity (ROE) | 4.6264% | 4,446 |
| Retained earnings to average equity (ytd only) | 1.5427% | 4,415 |
| Net charge-offs to loans | 0.8731% | 173 |
| Credit loss provision to net charge-offs | 113.5274% | 2,045 |
| Earnings coverage of net charge-offs (x) | 2.3428% | 3,205 |
| Efficiency ratio | 61.7335% | 3,364 |
| Assets per employee ($millions) | 9.2308% | 439 |
| Cash dividends to net income (ytd only)* | 66.6533% | 1,055 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4844% | 1,284 |
| Loan loss allowance to noncurrent loans | 130.5518% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.8235% | 1,672 |
| Noncurrent loans to loans | 1.1370% | 1,395 |
| Net loans and leases to total assets | 67.9878% | 2,793 |
| Net loans and leases to deposits | 84.4120% | 2,404 |
| Net loans and leases to core deposits | 97.3031% | 1,875 |
| Total domestic deposits to total assets | 80.5428% | 3,861 |
| Equity capital to assets | 14.1100% | 1,107 |
| Core capital (leverage) ratio | 9.1268% | 4,536 |
| Tier 1 risk-based capital ratio | 11.6971% | 4,573 |
| Total risk-based capital ratio | 14.0870% | 3,833 |
| Memoranda: |
| Average total assets | $91,416,090,250 | 32 |
| Average earning assets | $81,233,385,250 | 32 |
| Average equity | $12,755,263,000 | 27 |
| Average total loans | $64,290,732,500 | 27 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4339% | 3,230 |
| Cost of funding earning assets | 1.1291% | 1,199 |
| Net interest margin | 3.3048% | 4,132 |
| Noninterest income to average assets | 0.8441% | 1,223 |
| Noninterest expense to average assets | 2.3222% | 3,949 |
| Loan and lease loss provision to assets | 0.7395% | 142 |
| Net operating income to assets | 0.5939% | 4,319 |
| Return on assets (ROA) | 0.6080% | 4,327 |
| Pretax return on assets | 0.7389% | 4,241 |
| Return on Equity (ROE) | 4.3740% | 4,501 |
| Retained earnings to average equity (ytd only) | -0.2786% | 4,728 |
| Net charge-offs to loans | 0.7586% | 187 |
| Credit loss provision to net charge-offs | 137.7383% | 1,587 |
| Earnings coverage of net charge-offs (x) | 2.7207% | 2,912 |
| Efficiency ratio | 61.3880% | 3,528 |
| Assets per employee ($millions) | 9.0698% | 451 |
| Cash dividends to net income (ytd only)* | 106.3696% | 350 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5420% | 1,155 |
| Loan loss allowance to noncurrent loans | 122.6157% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.9125% | 1,526 |
| Noncurrent loans to loans | 1.2576% | 1,263 |
| Net loans and leases to total assets | 68.6006% | 2,738 |
| Net loans and leases to deposits | 85.4364% | 2,320 |
| Net loans and leases to core deposits | 100.4357% | 1,683 |
| Total domestic deposits to total assets | 80.2944% | 3,972 |
| Equity capital to assets | 14.0224% | 1,107 |
| Core capital (leverage) ratio | 8.9849% | 4,637 |
| Tier 1 risk-based capital ratio | 11.4299% | 4,718 |
| Total risk-based capital ratio | 13.8182% | 3,984 |
| Memoranda: |
| Average total assets | $91,229,692,670 | 32 |
| Average earning assets | $81,124,483,000 | 32 |
| Average equity | $12,681,098,000 | 27 |
| Average total loans | $64,562,925,330 | 27 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4397% | 3,086 |
| Cost of funding earning assets | 1.0841% | 1,237 |
| Net interest margin | 3.3556% | 4,019 |
| Noninterest income to average assets | 0.7958% | 1,302 |
| Noninterest expense to average assets | 2.3102% | 3,995 |
| Loan and lease loss provision to assets | 0.7982% | 123 |
| Net operating income to assets | 0.5393% | 4,409 |
| Return on assets (ROA) | 0.5690% | 4,366 |
| Pretax return on assets | 0.7130% | 4,269 |
| Return on Equity (ROE) | 4.1116% | 4,550 |
| Retained earnings to average equity (ytd only) | 4.1116% | 3,271 |
| Net charge-offs to loans | 0.6233% | 241 |
| Credit loss provision to net charge-offs | 179.5768% | 1,120 |
| Earnings coverage of net charge-offs (x) | 3.3148% | 2,410 |
| Efficiency ratio | 61.0567% | 3,673 |
| Assets per employee ($millions) | 9.1338% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4855% | 1,380 |
| Loan loss allowance to noncurrent loans | 110.9230% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.9768% | 1,433 |
| Noncurrent loans to loans | 1.3392% | 1,216 |
| Net loans and leases to total assets | 69.1587% | 2,602 |
| Net loans and leases to deposits | 85.7548% | 2,156 |
| Net loans and leases to core deposits | 102.6764% | 1,403 |
| Total domestic deposits to total assets | 80.6470% | 4,039 |
| Equity capital to assets | 13.7592% | 1,117 |
| Core capital (leverage) ratio | 9.1817% | 4,491 |
| Tier 1 risk-based capital ratio | 11.3831% | 4,789 |
| Total risk-based capital ratio | 13.8107% | 4,006 |
| Memoranda: |
| Average total assets | $91,346,071,500 | 33 |
| Average earning assets | $81,334,575,500 | 33 |
| Average equity | $12,641,679,000 | 28 |
| Average total loans | $65,143,343,000 | 28 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1532% | 3,572 |
| Cost of funding earning assets | 0.8280% | 1,407 |
| Net interest margin | 3.3252% | 4,191 |
| Noninterest income to average assets | 0.8951% | 1,187 |
| Noninterest expense to average assets | 2.3916% | 3,902 |
| Loan and lease loss provision to assets | 0.4152% | 320 |
| Net operating income to assets | 0.8446% | 3,627 |
| Return on assets (ROA) | 0.8415% | 3,641 |
| Pretax return on assets | 1.0451% | 3,455 |
| Return on Equity (ROE) | 6.0272% | 4,168 |
| Retained earnings to average equity (ytd only) | 3.5449% | 3,636 |
| Net charge-offs to loans | 0.5092% | 347 |
| Credit loss provision to net charge-offs | 113.1548% | 2,292 |
| Earnings coverage of net charge-offs (x) | 3.9886% | 3,351 |
| Efficiency ratio | 61.8843% | 3,553 |
| Assets per employee ($millions) | 8.9653% | 473 |
| Cash dividends to net income (ytd only)* | 41.1854% | 2,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3566% | 1,806 |
| Loan loss allowance to noncurrent loans | 109.0944% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.9414% | 1,455 |
| Noncurrent loans to loans | 1.2435% | 1,281 |
| Net loans and leases to total assets | 71.4771% | 2,352 |
| Net loans and leases to deposits | 88.7768% | 1,952 |
| Net loans and leases to core deposits | 107.3255% | 1,172 |
| Total domestic deposits to total assets | 80.5133% | 3,995 |
| Equity capital to assets | 13.9218% | 997 |
| Core capital (leverage) ratio | 9.1114% | 4,547 |
| Tier 1 risk-based capital ratio | 11.0386% | 4,964 |
| Total risk-based capital ratio | 13.4538% | 4,174 |
| Memoranda: |
| Average total assets | $88,005,340,200 | 33 |
| Average earning assets | $78,342,888,600 | 35 |
| Average equity | $12,286,900,600 | 28 |
| Average total loans | $63,420,865,200 | 28 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0593% | 3,758 |
| Cost of funding earning assets | 0.7670% | 1,495 |
| Net interest margin | 3.2923% | 4,300 |
| Noninterest income to average assets | 0.8991% | 1,203 |
| Noninterest expense to average assets | 2.3868% | 3,883 |
| Loan and lease loss provision to assets | 0.3707% | 356 |
| Net operating income to assets | 0.8469% | 3,754 |
| Return on assets (ROA) | 0.8434% | 3,766 |
| Pretax return on assets | 1.0687% | 3,506 |
| Return on Equity (ROE) | 6.0364% | 4,257 |
| Retained earnings to average equity (ytd only) | 4.2913% | 3,620 |
| Net charge-offs to loans | 0.4461% | 353 |
| Credit loss provision to net charge-offs | 115.4923% | 2,048 |
| Earnings coverage of net charge-offs (x) | 4.4963% | 3,056 |
| Efficiency ratio | 62.1604% | 3,488 |
| Assets per employee ($millions) | 8.8257% | 471 |
| Cash dividends to net income (ytd only)* | 28.9100% | 2,606 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3565% | 1,857 |
| Loan loss allowance to noncurrent loans | 130.0022% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.8025% | 1,839 |
| Noncurrent loans to loans | 1.0435% | 1,636 |
| Net loans and leases to total assets | 71.4321% | 2,419 |
| Net loans and leases to deposits | 89.9929% | 1,897 |
| Net loans and leases to core deposits | 106.9076% | 1,236 |
| Total domestic deposits to total assets | 79.3753% | 4,238 |
| Equity capital to assets | 13.8820% | 996 |
| Core capital (leverage) ratio | 9.1842% | 4,531 |
| Tier 1 risk-based capital ratio | 11.1041% | 4,988 |
| Total risk-based capital ratio | 13.5329% | 4,216 |
| Memoranda: |
| Average total assets | $87,492,456,500 | 33 |
| Average earning assets | $77,889,481,500 | 35 |
| Average equity | $12,224,248,000 | 28 |
| Average total loans | $62,962,251,500 | 28 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9715% | 3,871 |
| Cost of funding earning assets | 0.7001% | 1,622 |
| Net interest margin | 3.2713% | 4,330 |
| Noninterest income to average assets | 0.9057% | 1,166 |
| Noninterest expense to average assets | 2.3513% | 4,019 |
| Loan and lease loss provision to assets | 0.3411% | 391 |
| Net operating income to assets | 0.8782% | 3,548 |
| Return on assets (ROA) | 0.8746% | 3,568 |
| Pretax return on assets | 1.1200% | 3,234 |
| Return on Equity (ROE) | 6.2459% | 4,152 |
| Retained earnings to average equity (ytd only) | 3.6177% | 3,785 |
| Net charge-offs to loans | 0.4198% | 370 |
| Credit loss provision to net charge-offs | 113.1534% | 1,861 |
| Earnings coverage of net charge-offs (x) | 4.8596% | 2,762 |
| Efficiency ratio | 61.4449% | 3,702 |
| Assets per employee ($millions) | 8.7407% | 483 |
| Cash dividends to net income (ytd only)* | 42.0795% | 2,029 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3577% | 1,908 |
| Loan loss allowance to noncurrent loans | 122.3981% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.8482% | 1,759 |
| Noncurrent loans to loans | 1.1092% | 1,591 |
| Net loans and leases to total assets | 71.2143% | 2,408 |
| Net loans and leases to deposits | 88.6109% | 2,032 |
| Net loans and leases to core deposits | 104.9034% | 1,320 |
| Total domestic deposits to total assets | 80.3674% | 4,162 |
| Equity capital to assets | 13.9232% | 952 |
| Core capital (leverage) ratio | 9.1058% | 4,581 |
| Tier 1 risk-based capital ratio | 10.9856% | 5,057 |
| Total risk-based capital ratio | 13.4288% | 4,265 |
| Memoranda: |
| Average total assets | $86,952,208,670 | 33 |
| Average earning assets | $77,366,149,330 | 35 |
| Average equity | $12,175,447,330 | 28 |
| Average total loans | $62,439,386,000 | 28 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8691% | 4,019 |
| Cost of funding earning assets | 0.6357% | 1,805 |
| Net interest margin | 3.2334% | 4,360 |
| Noninterest income to average assets | 0.8717% | 1,227 |
| Noninterest expense to average assets | 2.3265% | 4,126 |
| Loan and lease loss provision to assets | 0.2635% | 537 |
| Net operating income to assets | 0.9280% | 3,167 |
| Return on assets (ROA) | 0.9240% | 3,204 |
| Pretax return on assets | 1.1534% | 2,962 |
| Return on Equity (ROE) | 6.5801% | 3,951 |
| Retained earnings to average equity (ytd only) | 6.5801% | 2,460 |
| Net charge-offs to loans | 0.4370% | 350 |
| Credit loss provision to net charge-offs | 84.2154% | 1,702 |
| Earnings coverage of net charge-offs (x) | 4.5421% | 2,294 |
| Efficiency ratio | 61.8791% | 3,805 |
| Assets per employee ($millions) | 8.5006% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3359% | 2,076 |
| Loan loss allowance to noncurrent loans | 119.9271% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.8510% | 1,857 |
| Noncurrent loans to loans | 1.1139% | 1,645 |
| Net loans and leases to total assets | 70.9508% | 2,336 |
| Net loans and leases to deposits | 87.5067% | 1,994 |
| Net loans and leases to core deposits | 103.2647% | 1,437 |
| Total domestic deposits to total assets | 81.0804% | 4,178 |
| Equity capital to assets | 14.1065% | 863 |
| Core capital (leverage) ratio | 9.2100% | 4,422 |
| Tier 1 risk-based capital ratio | 11.1461% | 5,058 |
| Total risk-based capital ratio | 13.6781% | 4,184 |
| Memoranda: |
| Average total assets | $86,558,608,500 | 32 |
| Average earning assets | $76,996,366,500 | 33 |
| Average equity | $12,155,095,000 | 28 |
| Average total loans | $61,987,570,000 | 26 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6429% | 4,468 |
| Cost of funding earning assets | 0.5234% | 2,155 |
| Net interest margin | 3.1195% | 4,648 |
| Noninterest income to average assets | 0.8739% | 1,347 |
| Noninterest expense to average assets | 2.4491% | 3,940 |
| Loan and lease loss provision to assets | 0.3402% | 481 |
| Net operating income to assets | 0.5006% | 4,378 |
| Return on assets (ROA) | 0.5003% | 4,412 |
| Pretax return on assets | 0.8452% | 4,108 |
| Return on Equity (ROE) | 3.4854% | 4,691 |
| Retained earnings to average equity (ytd only) | 0.1899% | 4,942 |
| Net charge-offs to loans | 0.4689% | 504 |
| Credit loss provision to net charge-offs | 101.5772% | 2,521 |
| Earnings coverage of net charge-offs (x) | 3.5361% | 3,591 |
| Efficiency ratio | 67.0741% | 3,066 |
| Assets per employee ($millions) | 8.5946% | 512 |
| Cash dividends to net income (ytd only)* | 94.5508% | 460 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3661% | 1,902 |
| Loan loss allowance to noncurrent loans | 117.3770% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 0.8837% | 1,762 |
| Noncurrent loans to loans | 1.1639% | 1,525 |
| Net loans and leases to total assets | 70.3407% | 2,471 |
| Net loans and leases to deposits | 87.4303% | 2,089 |
| Net loans and leases to core deposits | 103.9337% | 1,419 |
| Total domestic deposits to total assets | 80.4534% | 4,259 |
| Equity capital to assets | 13.9787% | 920 |
| Core capital (leverage) ratio | 9.1040% | 4,519 |
| Tier 1 risk-based capital ratio | 10.8897% | 5,205 |
| Total risk-based capital ratio | 13.4264% | 4,307 |
| Memoranda: |
| Average total assets | $84,556,274,600 | 31 |
| Average earning assets | $74,802,136,000 | 33 |
| Average equity | $12,137,855,400 | 29 |
| Average total loans | $60,408,640,600 | 25 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6058% | 4,540 |
| Cost of funding earning assets | 0.5042% | 2,232 |
| Net interest margin | 3.1016% | 4,711 |
| Noninterest income to average assets | 0.8318% | 1,470 |
| Noninterest expense to average assets | 2.4056% | 4,005 |
| Loan and lease loss provision to assets | 0.3630% | 405 |
| Net operating income to assets | 0.6039% | 4,377 |
| Return on assets (ROA) | 0.6049% | 4,416 |
| Pretax return on assets | 0.8066% | 4,333 |
| Return on Equity (ROE) | 4.1856% | 4,799 |
| Retained earnings to average equity (ytd only) | 0.7836% | 5,040 |
| Net charge-offs to loans | 0.4838% | 423 |
| Credit loss provision to net charge-offs | 104.9653% | 2,206 |
| Earnings coverage of net charge-offs (x) | 3.3762% | 3,348 |
| Efficiency ratio | 66.9896% | 3,051 |
| Assets per employee ($millions) | 8.6421% | 494 |
| Cash dividends to net income (ytd only)* | 81.2791% | 620 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4060% | 1,862 |
| Loan loss allowance to noncurrent loans | 119.4556% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.9027% | 1,893 |
| Noncurrent loans to loans | 1.1770% | 1,633 |
| Net loans and leases to total assets | 70.2988% | 2,513 |
| Net loans and leases to deposits | 87.9561% | 2,072 |
| Net loans and leases to core deposits | 104.6183% | 1,350 |
| Total domestic deposits to total assets | 79.9249% | 4,329 |
| Equity capital to assets | 14.4009% | 882 |
| Core capital (leverage) ratio | 9.2661% | 4,447 |
| Tier 1 risk-based capital ratio | 11.1487% | 5,161 |
| Total risk-based capital ratio | 13.7084% | 4,254 |
| Memoranda: |
| Average total assets | $84,069,132,500 | 31 |
| Average earning assets | $74,301,138,000 | 33 |
| Average equity | $12,149,257,250 | 29 |
| Average total loans | $60,088,081,250 | 25 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5554% | 4,620 |
| Cost of funding earning assets | 0.4768% | 2,360 |
| Net interest margin | 3.0786% | 4,730 |
| Noninterest income to average assets | 0.8234% | 1,487 |
| Noninterest expense to average assets | 2.3893% | 4,078 |
| Loan and lease loss provision to assets | 0.2991% | 515 |
| Net operating income to assets | 0.6296% | 4,169 |
| Return on assets (ROA) | 0.6271% | 4,224 |
| Pretax return on assets | 0.8520% | 4,091 |
| Return on Equity (ROE) | 4.3340% | 4,717 |
| Retained earnings to average equity (ytd only) | -0.7760% | 5,203 |
| Net charge-offs to loans | 0.4893% | 401 |
| Credit loss provision to net charge-offs | 85.4591% | 2,205 |
| Earnings coverage of net charge-offs (x) | 3.2963% | 3,066 |
| Efficiency ratio | 67.0955% | 3,164 |
| Assets per employee ($millions) | 8.5338% | 504 |
| Cash dividends to net income (ytd only)* | 117.9052% | 309 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3626% | 2,102 |
| Loan loss allowance to noncurrent loans | 99.5414% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.0456% | 1,677 |
| Noncurrent loans to loans | 1.3689% | 1,414 |
| Net loans and leases to total assets | 70.4480% | 2,455 |
| Net loans and leases to deposits | 89.3035% | 1,829 |
| Net loans and leases to core deposits | 104.4897% | 1,324 |
| Total domestic deposits to total assets | 78.8860% | 4,642 |
| Equity capital to assets | 14.3895% | 855 |
| Core capital (leverage) ratio | 9.2100% | 4,474 |
| Tier 1 risk-based capital ratio | 10.9911% | 5,255 |
| Total risk-based capital ratio | 13.5530% | 4,313 |
| Memoranda: |
| Average total assets | $83,858,462,000 | 31 |
| Average earning assets | $74,082,098,000 | 32 |
| Average equity | $12,133,109,330 | 29 |
| Average total loans | $59,986,446,000 | 25 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4668% | 4,781 |
| Cost of funding earning assets | 0.4792% | 2,254 |
| Net interest margin | 2.9877% | 4,913 |
| Noninterest income to average assets | 0.8113% | 1,513 |
| Noninterest expense to average assets | 2.3450% | 4,276 |
| Loan and lease loss provision to assets | 0.3825% | 298 |
| Net operating income to assets | 0.5306% | 4,463 |
| Return on assets (ROA) | 0.5277% | 4,519 |
| Pretax return on assets | 0.7190% | 4,390 |
| Return on Equity (ROE) | 3.6371% | 4,903 |
| Retained earnings to average equity (ytd only) | 3.6371% | 3,617 |
| Net charge-offs to loans | 0.5622% | 315 |
| Credit loss provision to net charge-offs | 95.0347% | 1,650 |
| Earnings coverage of net charge-offs (x) | 2.7450% | 2,557 |
| Efficiency ratio | 67.6274% | 3,264 |
| Assets per employee ($millions) | 8.5319% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3953% | 2,099 |
| Loan loss allowance to noncurrent loans | 93.4269% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 1.1362% | 1,557 |
| Noncurrent loans to loans | 1.4934% | 1,341 |
| Net loans and leases to total assets | 70.1842% | 2,345 |
| Net loans and leases to deposits | 86.8204% | 1,934 |
| Net loans and leases to core deposits | 99.2905% | 1,559 |
| Total domestic deposits to total assets | 80.8383% | 4,448 |
| Equity capital to assets | 14.5540% | 738 |
| Core capital (leverage) ratio | 9.3480% | 4,281 |
| Tier 1 risk-based capital ratio | 11.2324% | 5,184 |
| Total risk-based capital ratio | 13.8648% | 4,224 |
| Memoranda: |
| Average total assets | $83,814,335,000 | 30 |
| Average earning assets | $74,017,183,500 | 32 |
| Average equity | $12,159,897,500 | 26 |
| Average total loans | $60,001,810,000 | 24 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2689% | 5,208 |
| Cost of funding earning assets | 0.5110% | 2,007 |
| Net interest margin | 2.7579% | 5,346 |
| Noninterest income to average assets | 0.8440% | 1,600 |
| Noninterest expense to average assets | 2.3881% | 4,329 |
| Loan and lease loss provision to assets | 0.3531% | 483 |
| Net operating income to assets | 0.3983% | 4,950 |
| Return on assets (ROA) | 0.4218% | 4,954 |
| Pretax return on assets | 0.5737% | 4,868 |
| Return on Equity (ROE) | 2.9790% | 5,169 |
| Retained earnings to average equity (ytd only) | 0.7535% | 5,022 |
| Net charge-offs to loans | 0.3710% | 732 |
| Credit loss provision to net charge-offs | 133.3173% | 2,035 |
| Earnings coverage of net charge-offs (x) | 3.3761% | 3,677 |
| Efficiency ratio | 70.0424% | 2,896 |
| Assets per employee ($millions) | 8.9245% | 428 |
| Cash dividends to net income (ytd only)* | 74.7057% | 1,110 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3920% | 2,115 |
| Loan loss allowance to noncurrent loans | 85.2640% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.2446% | 1,435 |
| Noncurrent loans to loans | 1.6326% | 1,195 |
| Net loans and leases to total assets | 71.0001% | 2,333 |
| Net loans and leases to deposits | 87.9130% | 1,936 |
| Net loans and leases to core deposits | 100.3184% | 1,593 |
| Total domestic deposits to total assets | 80.7618% | 4,402 |
| Equity capital to assets | 14.4621% | 742 |
| Core capital (leverage) ratio | 9.1425% | 4,559 |
| Tier 1 risk-based capital ratio | 10.9462% | 5,369 |
| Total risk-based capital ratio | 13.5614% | 4,385 |
| Memoranda: |
| Average total assets | $85,683,545,400 | 30 |
| Average earning assets | $75,756,967,000 | 30 |
| Average equity | $12,132,282,600 | 27 |
| Average total loans | $61,184,150,600 | 23 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2273% | 5,323 |
| Cost of funding earning assets | 0.5072% | 2,047 |
| Net interest margin | 2.7201% | 5,467 |
| Noninterest income to average assets | 0.8213% | 1,682 |
| Noninterest expense to average assets | 2.3127% | 4,502 |
| Loan and lease loss provision to assets | 0.4100% | 349 |
| Net operating income to assets | 0.3916% | 5,043 |
| Return on assets (ROA) | 0.4248% | 5,035 |
| Pretax return on assets | 0.5493% | 5,005 |
| Return on Equity (ROE) | 3.0156% | 5,213 |
| Retained earnings to average equity (ytd only) | 0.7095% | 5,173 |
| Net charge-offs to loans | 0.3595% | 626 |
| Credit loss provision to net charge-offs | 160.0219% | 1,703 |
| Earnings coverage of net charge-offs (x) | 3.5734% | 3,393 |
| Efficiency ratio | 71.0532% | 2,732 |
| Assets per employee ($millions) | 8.9119% | 425 |
| Cash dividends to net income (ytd only)* | 76.4726% | 845 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4293% | 2,066 |
| Loan loss allowance to noncurrent loans | 74.8229% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 1.4281% | 1,287 |
| Noncurrent loans to loans | 1.9103% | 1,044 |
| Net loans and leases to total assets | 69.9560% | 2,494 |
| Net loans and leases to deposits | 87.6129% | 2,067 |
| Net loans and leases to core deposits | 101.1911% | 1,543 |
| Total domestic deposits to total assets | 79.7091% | 4,576 |
| Equity capital to assets | 14.3445% | 917 |
| Core capital (leverage) ratio | 8.8825% | 4,964 |
| Tier 1 risk-based capital ratio | 10.7852% | 5,479 |
| Total risk-based capital ratio | 13.5023% | 4,539 |
| Memoranda: |
| Average total assets | $86,194,313,000 | 30 |
| Average earning assets | $76,267,570,500 | 30 |
| Average equity | $12,141,304,500 | 26 |
| Average total loans | $61,424,410,250 | 23 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2015% | 5,425 |
| Cost of funding earning assets | 0.5042% | 2,069 |
| Net interest margin | 2.6973% | 5,572 |
| Noninterest income to average assets | 0.8232% | 1,634 |
| Noninterest expense to average assets | 2.3168% | 4,562 |
| Loan and lease loss provision to assets | 0.4617% | 301 |
| Net operating income to assets | 0.3332% | 5,231 |
| Return on assets (ROA) | 0.3840% | 5,159 |
| Pretax return on assets | 0.5002% | 5,126 |
| Return on Equity (ROE) | 2.7426% | 5,317 |
| Retained earnings to average equity (ytd only) | -0.7214% | 5,402 |
| Net charge-offs to loans | 0.3869% | 586 |
| Credit loss provision to net charge-offs | 167.2394% | 1,476 |
| Earnings coverage of net charge-offs (x) | 3.2429% | 3,142 |
| Efficiency ratio | 71.5383% | 2,740 |
| Assets per employee ($millions) | 8.7951% | 419 |
| Cash dividends to net income (ytd only)* | 126.3029% | 302 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3644% | 2,471 |
| Loan loss allowance to noncurrent loans | 77.4927% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 1.3238% | 1,521 |
| Noncurrent loans to loans | 1.7607% | 1,191 |
| Net loans and leases to total assets | 70.2640% | 2,438 |
| Net loans and leases to deposits | 89.5755% | 1,801 |
| Net loans and leases to core deposits | 103.7198% | 1,340 |
| Total domestic deposits to total assets | 78.3176% | 4,936 |
| Equity capital to assets | 13.9595% | 1,039 |
| Core capital (leverage) ratio | 8.6130% | 5,252 |
| Tier 1 risk-based capital ratio | 10.3638% | 5,737 |
| Total risk-based capital ratio | 13.0449% | 4,857 |
| Memoranda: |
| Average total assets | $86,597,922,330 | 29 |
| Average earning assets | $76,694,003,670 | 30 |
| Average equity | $12,124,925,670 | 26 |
| Average total loans | $61,794,838,330 | 23 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2339% | 5,439 |
| Cost of funding earning assets | 0.5039% | 2,074 |
| Net interest margin | 2.7300% | 5,573 |
| Noninterest income to average assets | 0.8285% | 1,523 |
| Noninterest expense to average assets | 2.4060% | 4,347 |
| Loan and lease loss provision to assets | 0.5235% | 225 |
| Net operating income to assets | 0.2226% | 5,486 |
| Return on assets (ROA) | 0.2472% | 5,506 |
| Pretax return on assets | 0.3559% | 5,389 |
| Return on Equity (ROE) | 1.7626% | 5,557 |
| Retained earnings to average equity (ytd only) | 1.7626% | 4,563 |
| Net charge-offs to loans | 0.3461% | 645 |
| Credit loss provision to net charge-offs | 211.7600% | 1,041 |
| Earnings coverage of net charge-offs (x) | 3.4108% | 2,548 |
| Efficiency ratio | 73.4662% | 2,566 |
| Assets per employee ($millions) | 8.7726% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3222% | 2,787 |
| Loan loss allowance to noncurrent loans | 93.4575% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.0757% | 2,056 |
| Noncurrent loans to loans | 1.4148% | 1,690 |
| Net loans and leases to total assets | 70.0439% | 2,334 |
| Net loans and leases to deposits | 88.6800% | 1,737 |
| Net loans and leases to core deposits | 102.4308% | 1,302 |
| Total domestic deposits to total assets | 78.6055% | 5,046 |
| Equity capital to assets | 13.9151% | 1,019 |
| Core capital (leverage) ratio | 8.7495% | 5,127 |
| Tier 1 risk-based capital ratio | 10.4085% | 5,789 |
| Total risk-based capital ratio | 13.1439% | 4,888 |
| Memoranda: |
| Average total assets | $86,528,084,500 | 29 |
| Average earning assets | $76,723,484,500 | 30 |
| Average equity | $12,133,310,500 | 26 |
| Average total loans | $61,798,070,000 | 23 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2697% | 5,394 |
| Cost of funding earning assets | 0.4980% | 2,173 |
| Net interest margin | 2.7717% | 5,568 |
| Noninterest income to average assets | 0.8662% | 1,544 |
| Noninterest expense to average assets | 2.4035% | 4,503 |
| Loan and lease loss provision to assets | 0.2337% | 840 |
| Net operating income to assets | 0.5073% | 4,664 |
| Return on assets (ROA) | 0.5770% | 4,487 |
| Pretax return on assets | 0.7707% | 4,299 |
| Return on Equity (ROE) | 3.9995% | 4,945 |
| Retained earnings to average equity (ytd only) | 3.1547% | 3,806 |
| Net charge-offs to loans | 0.1941% | 1,504 |
| Credit loss provision to net charge-offs | 166.9207% | 1,616 |
| Earnings coverage of net charge-offs (x) | 6.5044% | 3,213 |
| Efficiency ratio | 70.4795% | 3,147 |
| Assets per employee ($millions) | 8.5163% | 460 |
| Cash dividends to net income (ytd only)* | 21.1220% | 3,741 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2422% | 3,228 |
| Loan loss allowance to noncurrent loans | 160.0412% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.6381% | 3,151 |
| Noncurrent loans to loans | 0.7762% | 2,844 |
| Net loans and leases to total assets | 70.9753% | 2,203 |
| Net loans and leases to deposits | 91.4982% | 1,455 |
| Net loans and leases to core deposits | 104.9244% | 1,172 |
| Total domestic deposits to total assets | 77.4613% | 5,247 |
| Equity capital to assets | 14.1324% | 887 |
| Core capital (leverage) ratio | 8.8896% | 5,015 |
| Tier 1 risk-based capital ratio | 10.4101% | 5,820 |
| Total risk-based capital ratio | 13.1421% | 4,927 |
| Memoranda: |
| Average total assets | $82,872,714,600 | 30 |
| Average earning assets | $73,188,793,400 | 30 |
| Average equity | $11,955,785,400 | 26 |
| Average total loans | $59,760,487,600 | 22 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2852% | 5,433 |
| Cost of funding earning assets | 0.4958% | 2,253 |
| Net interest margin | 2.7894% | 5,601 |
| Noninterest income to average assets | 0.8693% | 1,551 |
| Noninterest expense to average assets | 2.3801% | 4,568 |
| Loan and lease loss provision to assets | 0.1902% | 1,069 |
| Net operating income to assets | 0.5579% | 4,569 |
| Return on assets (ROA) | 0.6328% | 4,338 |
| Pretax return on assets | 0.8639% | 4,120 |
| Return on Equity (ROE) | 4.3630% | 4,884 |
| Retained earnings to average equity (ytd only) | 3.9047% | 3,688 |
| Net charge-offs to loans | 0.1803% | 1,401 |
| Credit loss provision to net charge-offs | 146.2069% | 1,716 |
| Earnings coverage of net charge-offs (x) | 7.3054% | 2,931 |
| Efficiency ratio | 69.9967% | 3,216 |
| Assets per employee ($millions) | 8.5090% | 442 |
| Cash dividends to net income (ytd only)* | 10.5054% | 3,566 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1853% | 3,738 |
| Loan loss allowance to noncurrent loans | 158.6398% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.6245% | 3,395 |
| Noncurrent loans to loans | 0.7472% | 3,089 |
| Net loans and leases to total assets | 71.0888% | 2,221 |
| Net loans and leases to deposits | 93.1163% | 1,289 |
| Net loans and leases to core deposits | 110.5824% | 844 |
| Total domestic deposits to total assets | 76.1618% | 5,467 |
| Equity capital to assets | 14.2965% | 917 |
| Core capital (leverage) ratio | 8.9416% | 5,065 |
| Tier 1 risk-based capital ratio | 10.4266% | 5,905 |
| Total risk-based capital ratio | 13.2290% | 5,016 |
| Memoranda: |
| Average total assets | $82,234,182,000 | 30 |
| Average earning assets | $72,562,156,000 | 29 |
| Average equity | $11,926,505,750 | 25 |
| Average total loans | $59,351,943,000 | 22 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3170% | 5,407 |
| Cost of funding earning assets | 0.5048% | 2,209 |
| Net interest margin | 2.8122% | 5,587 |
| Noninterest income to average assets | 0.8463% | 1,616 |
| Noninterest expense to average assets | 2.3774% | 4,626 |
| Loan and lease loss provision to assets | 0.2166% | 876 |
| Net operating income to assets | 0.5428% | 4,588 |
| Return on assets (ROA) | 0.6469% | 4,242 |
| Pretax return on assets | 0.8722% | 4,062 |
| Return on Equity (ROE) | 4.4384% | 4,841 |
| Retained earnings to average equity (ytd only) | 3.7473% | 3,623 |
| Net charge-offs to loans | 0.1759% | 1,405 |
| Credit loss provision to net charge-offs | 170.3961% | 1,405 |
| Earnings coverage of net charge-offs (x) | 7.4505% | 2,667 |
| Efficiency ratio | 69.9910% | 3,330 |
| Assets per employee ($millions) | 8.3496% | 455 |
| Cash dividends to net income (ytd only)* | 15.5693% | 3,326 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1984% | 3,800 |
| Loan loss allowance to noncurrent loans | 154.7278% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.6506% | 3,463 |
| Noncurrent loans to loans | 0.7745% | 3,177 |
| Net loans and leases to total assets | 71.7556% | 2,027 |
| Net loans and leases to deposits | 94.9280% | 1,054 |
| Net loans and leases to core deposits | 108.8288% | 903 |
| Total domestic deposits to total assets | 75.3965% | 5,662 |
| Equity capital to assets | 14.4192% | 839 |
| Core capital (leverage) ratio | 8.9915% | 4,985 |
| Tier 1 risk-based capital ratio | 10.3392% | 5,978 |
| Total risk-based capital ratio | 13.1638% | 5,109 |
| Memoranda: |
| Average total assets | $81,418,304,670 | 30 |
| Average earning assets | $71,750,172,330 | 29 |
| Average equity | $11,866,503,000 | 25 |
| Average total loans | $58,828,797,670 | 22 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3833% | 5,239 |
| Cost of funding earning assets | 0.4990% | 2,292 |
| Net interest margin | 2.8843% | 5,484 |
| Noninterest income to average assets | 0.8371% | 1,583 |
| Noninterest expense to average assets | 2.4126% | 4,560 |
| Loan and lease loss provision to assets | 0.2084% | 863 |
| Net operating income to assets | 0.5570% | 4,455 |
| Return on assets (ROA) | 0.6732% | 4,053 |
| Pretax return on assets | 0.9129% | 3,844 |
| Return on Equity (ROE) | 4.5934% | 4,719 |
| Retained earnings to average equity (ytd only) | 4.5934% | 3,275 |
| Net charge-offs to loans | 0.1734% | 1,233 |
| Credit loss provision to net charge-offs | 166.7368% | 1,168 |
| Earnings coverage of net charge-offs (x) | 7.7069% | 2,143 |
| Efficiency ratio | 69.8981% | 3,503 |
| Assets per employee ($millions) | 8.2445% | 490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1945% | 4,016 |
| Loan loss allowance to noncurrent loans | 163.5631% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.6147% | 3,646 |
| Noncurrent loans to loans | 0.7303% | 3,433 |
| Net loans and leases to total assets | 71.0276% | 1,979 |
| Net loans and leases to deposits | 92.0566% | 1,180 |
| Net loans and leases to core deposits | 104.8038% | 1,012 |
| Total domestic deposits to total assets | 76.8655% | 5,633 |
| Equity capital to assets | 14.5629% | 815 |
| Core capital (leverage) ratio | 9.0721% | 4,874 |
| Tier 1 risk-based capital ratio | 10.3039% | 6,075 |
| Total risk-based capital ratio | 12.1366% | 5,785 |
| Memoranda: |
| Average total assets | $80,680,251,000 | 30 |
| Average earning assets | $71,012,582,000 | 29 |
| Average equity | $11,823,408,000 | 25 |
| Average total loans | $58,141,775,500 | 22 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4919% | 5,332 |
| Cost of funding earning assets | 0.4824% | 2,853 |
| Net interest margin | 3.0094% | 5,431 |
| Noninterest income to average assets | 0.9134% | 1,462 |
| Noninterest expense to average assets | 2.6804% | 3,936 |
| Loan and lease loss provision to assets | 0.1400% | 1,894 |
| Net operating income to assets | 0.5291% | 4,684 |
| Return on assets (ROA) | 0.5773% | 4,553 |
| Pretax return on assets | 0.7884% | 4,301 |
| Return on Equity (ROE) | 3.7972% | 5,201 |
| Retained earnings to average equity (ytd only) | 2.9135% | 4,168 |
| Net charge-offs to loans | 0.2254% | 1,867 |
| Credit loss provision to net charge-offs | 87.1470% | 2,703 |
| Earnings coverage of net charge-offs (x) | 5.3613% | 3,440 |
| Efficiency ratio | 73.3241% | 2,961 |
| Assets per employee ($millions) | 7.9633% | 540 |
| Cash dividends to net income (ytd only)* | 23.2716% | 3,686 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1908% | 4,059 |
| Loan loss allowance to noncurrent loans | 173.0644% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.5956% | 3,801 |
| Noncurrent loans to loans | 0.6881% | 3,624 |
| Net loans and leases to total assets | 71.3869% | 2,017 |
| Net loans and leases to deposits | 92.6400% | 1,224 |
| Net loans and leases to core deposits | 106.2930% | 997 |
| Total domestic deposits to total assets | 76.8368% | 5,625 |
| Equity capital to assets | 14.7488% | 745 |
| Core capital (leverage) ratio | 9.0258% | 4,952 |
| Tier 1 risk-based capital ratio | 10.4886% | 6,108 |
| Total risk-based capital ratio | 12.3740% | 5,797 |
| Memoranda: |
| Average total assets | $75,924,696,600 | 30 |
| Average earning assets | $66,308,959,800 | 29 |
| Average equity | $11,542,745,000 | 24 |
| Average total loans | $54,126,859,800 | 22 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4904% | 5,418 |
| Cost of funding earning assets | 0.4670% | 3,082 |
| Net interest margin | 3.0234% | 5,456 |
| Noninterest income to average assets | 0.9020% | 1,514 |
| Noninterest expense to average assets | 2.6551% | 3,993 |
| Loan and lease loss provision to assets | 0.1536% | 1,613 |
| Net operating income to assets | 0.5353% | 4,739 |
| Return on assets (ROA) | 0.5937% | 4,559 |
| Pretax return on assets | 0.8107% | 4,327 |
| Return on Equity (ROE) | 3.8744% | 5,223 |
| Retained earnings to average equity (ytd only) | 3.2827% | 4,288 |
| Net charge-offs to loans | 0.2283% | 1,676 |
| Credit loss provision to net charge-offs | 94.6935% | 2,345 |
| Earnings coverage of net charge-offs (x) | 5.4455% | 3,261 |
| Efficiency ratio | 73.0901% | 2,972 |
| Assets per employee ($millions) | 7.7787% | 567 |
| Cash dividends to net income (ytd only)* | 15.2716% | 3,377 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2606% | 3,875 |
| Loan loss allowance to noncurrent loans | 164.8516% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.6397% | 3,917 |
| Noncurrent loans to loans | 0.7647% | 3,681 |
| Net loans and leases to total assets | 69.7686% | 2,231 |
| Net loans and leases to deposits | 90.1886% | 1,408 |
| Net loans and leases to core deposits | 104.3149% | 1,088 |
| Total domestic deposits to total assets | 77.1460% | 5,653 |
| Equity capital to assets | 14.9355% | 745 |
| Core capital (leverage) ratio | 9.2455% | 4,714 |
| Tier 1 risk-based capital ratio | 10.7605% | 6,106 |
| Total risk-based capital ratio | 12.8175% | 5,680 |
| Memoranda: |
| Average total assets | $74,999,722,500 | 31 |
| Average earning assets | $65,395,933,000 | 31 |
| Average equity | $11,492,514,000 | 25 |
| Average total loans | $53,276,924,750 | 24 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5598% | 5,260 |
| Cost of funding earning assets | 0.4549% | 3,272 |
| Net interest margin | 3.1049% | 5,241 |
| Noninterest income to average assets | 0.8941% | 1,512 |
| Noninterest expense to average assets | 2.6975% | 3,875 |
| Loan and lease loss provision to assets | 0.2231% | 1,035 |
| Net operating income to assets | 0.4891% | 4,851 |
| Return on assets (ROA) | 0.5610% | 4,645 |
| Pretax return on assets | 0.7729% | 4,373 |
| Return on Equity (ROE) | 3.6286% | 5,294 |
| Retained earnings to average equity (ytd only) | 2.7365% | 4,459 |
| Net charge-offs to loans | 0.2602% | 1,507 |
| Credit loss provision to net charge-offs | 120.5047% | 1,712 |
| Earnings coverage of net charge-offs (x) | 4.8421% | 3,036 |
| Efficiency ratio | 73.0842% | 3,140 |
| Assets per employee ($millions) | 7.3759% | 672 |
| Cash dividends to net income (ytd only)* | 24.5847% | 3,016 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3164% | 3,770 |
| Loan loss allowance to noncurrent loans | 170.7277% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.6661% | 3,989 |
| Noncurrent loans to loans | 0.7710% | 3,779 |
| Net loans and leases to total assets | 70.9712% | 1,925 |
| Net loans and leases to deposits | 91.8529% | 1,166 |
| Net loans and leases to core deposits | 108.4960% | 745 |
| Total domestic deposits to total assets | 77.1208% | 5,787 |
| Equity capital to assets | 15.3072% | 639 |
| Core capital (leverage) ratio | 9.2847% | 4,614 |
| Tier 1 risk-based capital ratio | 10.6978% | 6,175 |
| Total risk-based capital ratio | 12.7688% | 5,746 |
| Memoranda: |
| Average total assets | $73,959,152,670 | 31 |
| Average earning assets | $64,314,097,330 | 31 |
| Average equity | $11,434,075,000 | 25 |
| Average total loans | $52,635,861,330 | 24 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5665% | 5,253 |
| Cost of funding earning assets | 0.4366% | 3,578 |
| Net interest margin | 3.1299% | 5,146 |
| Noninterest income to average assets | 0.8733% | 1,476 |
| Noninterest expense to average assets | 2.6554% | 4,097 |
| Loan and lease loss provision to assets | 0.2037% | 1,139 |
| Net operating income to assets | 0.5079% | 4,648 |
| Return on assets (ROA) | 0.5668% | 4,444 |
| Pretax return on assets | 0.8186% | 4,036 |
| Return on Equity (ROE) | 3.6477% | 5,199 |
| Retained earnings to average equity (ytd only) | 3.6477% | 3,946 |
| Net charge-offs to loans | 0.2341% | 1,387 |
| Credit loss provision to net charge-offs | 122.9090% | 1,435 |
| Earnings coverage of net charge-offs (x) | 5.6469% | 2,349 |
| Efficiency ratio | 72.0359% | 3,482 |
| Assets per employee ($millions) | 7.1392% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3404% | 3,904 |
| Loan loss allowance to noncurrent loans | 149.8366% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.7542% | 3,861 |
| Noncurrent loans to loans | 0.8946% | 3,645 |
| Net loans and leases to total assets | 69.7853% | 1,936 |
| Net loans and leases to deposits | 90.9943% | 1,040 |
| Net loans and leases to core deposits | 108.4137% | 657 |
| Total domestic deposits to total assets | 76.5178% | 6,026 |
| Equity capital to assets | 15.3950% | 619 |
| Core capital (leverage) ratio | 9.5135% | 4,260 |
| Tier 1 risk-based capital ratio | 10.8245% | 6,231 |
| Total risk-based capital ratio | 12.9123% | 5,772 |
| Memoranda: |
| Average total assets | $73,188,973,000 | 31 |
| Average earning assets | $63,554,226,500 | 31 |
| Average equity | $11,372,675,500 | 25 |
| Average total loans | $51,804,956,000 | 24 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8879% | 4,503 |
| Cost of funding earning assets | 0.4620% | 3,999 |
| Net interest margin | 3.4260% | 4,180 |
| Noninterest income to average assets | 0.9970% | 1,402 |
| Noninterest expense to average assets | 2.9526% | 3,192 |
| Loan and lease loss provision to assets | 0.1538% | 2,353 |
| Net operating income to assets | 0.5929% | 4,299 |
| Return on assets (ROA) | 0.6178% | 4,288 |
| Pretax return on assets | 0.8662% | 3,896 |
| Return on Equity (ROE) | 3.8961% | 5,160 |
| Retained earnings to average equity (ytd only) | 3.8961% | 3,429 |
| Net charge-offs to loans | 0.4387% | 1,515 |
| Credit loss provision to net charge-offs | 51.2905% | 3,784 |
| Earnings coverage of net charge-offs (x) | 3.2806% | 3,910 |
| Efficiency ratio | 72.8051% | 3,332 |
| Assets per employee ($millions) | 6.8833% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3790% | 3,749 |
| Loan loss allowance to noncurrent loans | 133.2548% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.8584% | 3,744 |
| Noncurrent loans to loans | 1.0348% | 3,439 |
| Net loans and leases to total assets | 69.8567% | 2,037 |
| Net loans and leases to deposits | 91.7974% | 1,080 |
| Net loans and leases to core deposits | 106.9245% | 748 |
| Total domestic deposits to total assets | 75.9277% | 6,100 |
| Equity capital to assets | 15.6884% | 571 |
| Core capital (leverage) ratio | 9.5000% | 4,266 |
| Tier 1 risk-based capital ratio | 10.8888% | 6,227 |
| Total risk-based capital ratio | 12.9967% | 5,711 |
| Memoranda: |
| Average total assets | $69,928,891,400 | 31 |
| Average earning assets | $59,995,215,200 | 31 |
| Average equity | $11,088,901,200 | 25 |
| Average total loans | $47,797,051,400 | 25 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9315% | 4,383 |
| Cost of funding earning assets | 0.4670% | 4,092 |
| Net interest margin | 3.4645% | 4,037 |
| Noninterest income to average assets | 1.0323% | 1,368 |
| Noninterest expense to average assets | 2.9367% | 3,180 |
| Loan and lease loss provision to assets | 0.1562% | 2,307 |
| Net operating income to assets | 0.6382% | 4,190 |
| Return on assets (ROA) | 0.6782% | 4,109 |
| Pretax return on assets | 0.9625% | 3,639 |
| Return on Equity (ROE) | 4.2649% | 5,091 |
| Retained earnings to average equity (ytd only) | 4.2649% | 3,644 |
| Net charge-offs to loans | 0.4713% | 1,361 |
| Credit loss provision to net charge-offs | 48.9387% | 3,533 |
| Earnings coverage of net charge-offs (x) | 3.3249% | 3,738 |
| Efficiency ratio | 71.2312% | 3,567 |
| Assets per employee ($millions) | 6.5401% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4516% | 3,680 |
| Loan loss allowance to noncurrent loans | 111.7106% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 1.0861% | 3,484 |
| Noncurrent loans to loans | 1.2994% | 3,234 |
| Net loans and leases to total assets | 69.8405% | 2,000 |
| Net loans and leases to deposits | 93.0268% | 899 |
| Net loans and leases to core deposits | 105.7844% | 770 |
| Total domestic deposits to total assets | 74.9092% | 6,288 |
| Equity capital to assets | 16.0250% | 549 |
| Core capital (leverage) ratio | 9.7170% | 4,080 |
| Tier 1 risk-based capital ratio | 11.0632% | 6,250 |
| Total risk-based capital ratio | 13.3213% | 5,672 |
| Memoranda: |
| Average total assets | $69,476,755,500 | 31 |
| Average earning assets | $59,470,846,250 | 31 |
| Average equity | $11,047,510,500 | 25 |
| Average total loans | $47,042,783,000 | 25 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9877% | 4,152 |
| Cost of funding earning assets | 0.4770% | 4,130 |
| Net interest margin | 3.5108% | 3,737 |
| Noninterest income to average assets | 1.0422% | 1,402 |
| Noninterest expense to average assets | 3.0002% | 3,001 |
| Loan and lease loss provision to assets | 0.1264% | 2,741 |
| Net operating income to assets | 0.6454% | 4,079 |
| Return on assets (ROA) | 0.7084% | 3,936 |
| Pretax return on assets | 1.0072% | 3,476 |
| Return on Equity (ROE) | 4.4667% | 5,016 |
| Retained earnings to average equity (ytd only) | 4.4667% | 3,420 |
| Net charge-offs to loans | 0.5329% | 1,240 |
| Credit loss provision to net charge-offs | 35.5959% | 3,494 |
| Earnings coverage of net charge-offs (x) | 2.9353% | 3,548 |
| Efficiency ratio | 71.9659% | 3,473 |
| Assets per employee ($millions) | 6.4542% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5202% | 3,487 |
| Loan loss allowance to noncurrent loans | 101.7531% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 1.2122% | 3,322 |
| Noncurrent loans to loans | 1.4940% | 3,063 |
| Net loans and leases to total assets | 67.5000% | 2,336 |
| Net loans and leases to deposits | 89.4321% | 1,199 |
| Net loans and leases to core deposits | 101.8949% | 948 |
| Total domestic deposits to total assets | 75.3204% | 6,323 |
| Equity capital to assets | 15.9596% | 525 |
| Core capital (leverage) ratio | 9.4710% | 4,291 |
| Tier 1 risk-based capital ratio | 11.4602% | 6,131 |
| Total risk-based capital ratio | 13.7749% | 5,420 |
| Memoranda: |
| Average total assets | $69,372,644,670 | 31 |
| Average earning assets | $59,289,423,000 | 31 |
| Average equity | $11,002,124,670 | 25 |
| Average total loans | $46,237,388,670 | 25 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0467% | 3,929 |
| Cost of funding earning assets | 0.4858% | 4,225 |
| Net interest margin | 3.5610% | 3,427 |
| Noninterest income to average assets | 1.0465% | 1,352 |
| Noninterest expense to average assets | 3.0600% | 2,806 |
| Loan and lease loss provision to assets | 0.1131% | 2,817 |
| Net operating income to assets | 0.6323% | 4,068 |
| Return on assets (ROA) | 0.6896% | 3,888 |
| Pretax return on assets | 0.9972% | 3,363 |
| Return on Equity (ROE) | 4.3620% | 4,918 |
| Retained earnings to average equity (ytd only) | 4.3620% | 3,619 |
| Net charge-offs to loans | 0.3200% | 1,685 |
| Credit loss provision to net charge-offs | 53.8134% | 2,548 |
| Earnings coverage of net charge-offs (x) | 4.8814% | 2,462 |
| Efficiency ratio | 72.6190% | 3,497 |
| Assets per employee ($millions) | 6.2455% | 1,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7167% | 2,935 |
| Loan loss allowance to noncurrent loans | 96.8981% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 1.3850% | 3,192 |
| Noncurrent loans to loans | 1.7717% | 2,908 |
| Net loans and leases to total assets | 64.6500% | 2,594 |
| Net loans and leases to deposits | 85.6578% | 1,389 |
| Net loans and leases to core deposits | 99.6106% | 972 |
| Total domestic deposits to total assets | 75.3412% | 6,425 |
| Equity capital to assets | 15.8299% | 586 |
| Core capital (leverage) ratio | 9.2243% | 4,524 |
| Tier 1 risk-based capital ratio | 11.5371% | 6,167 |
| Total risk-based capital ratio | 14.1245% | 5,260 |
| Memoranda: |
| Average total assets | $69,341,615,000 | 31 |
| Average earning assets | $59,196,558,000 | 31 |
| Average equity | $10,962,433,000 | 25 |
| Average total loans | $45,560,116,500 | 26 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4857% | 3,460 |
| Cost of funding earning assets | 0.4623% | 5,476 |
| Net interest margin | 4.0234% | 2,301 |
| Noninterest income to average assets | 1.1993% | 1,091 |
| Noninterest expense to average assets | 3.4698% | 1,900 |
| Loan and lease loss provision to assets | 0.0445% | 5,293 |
| Net operating income to assets | 0.7371% | 3,568 |
| Return on assets (ROA) | 0.7462% | 3,771 |
| Pretax return on assets | 1.0813% | 3,225 |
| Return on Equity (ROE) | 4.6313% | 4,868 |
| Retained earnings to average equity (ytd only) | 4.6313% | 2,964 |
| Net charge-offs to loans | 0.6332% | 1,854 |
| Credit loss provision to net charge-offs | 10.5853% | 5,391 |
| Earnings coverage of net charge-offs (x) | 2.6455% | 4,107 |
| Efficiency ratio | 72.7250% | 3,287 |
| Assets per employee ($millions) | 6.2198% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7710% | 2,684 |
| Loan loss allowance to noncurrent loans | 92.3361% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 1.4826% | 3,165 |
| Noncurrent loans to loans | 1.9180% | 2,785 |
| Net loans and leases to total assets | 64.4656% | 2,817 |
| Net loans and leases to deposits | 85.9526% | 1,523 |
| Net loans and leases to core deposits | 101.4681% | 921 |
| Total domestic deposits to total assets | 74.6425% | 6,479 |
| Equity capital to assets | 15.7886% | 592 |
| Core capital (leverage) ratio | 9.1569% | 4,648 |
| Tier 1 risk-based capital ratio | 11.3440% | 6,191 |
| Total risk-based capital ratio | 13.9403% | 5,273 |
| Memoranda: |
| Average total assets | $66,291,273,800 | 31 |
| Average earning assets | $55,716,113,600 | 32 |
| Average equity | $10,681,405,800 | 25 |
| Average total loans | $43,970,043,000 | 27 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4560% | 3,798 |
| Cost of funding earning assets | 0.4536% | 5,766 |
| Net interest margin | 4.0024% | 2,493 |
| Noninterest income to average assets | 1.2331% | 981 |
| Noninterest expense to average assets | 3.3957% | 2,014 |
| Loan and lease loss provision to assets | 0.0543% | 5,067 |
| Net operating income to assets | 0.7854% | 3,526 |
| Return on assets (ROA) | 0.7914% | 3,732 |
| Pretax return on assets | 1.1455% | 3,176 |
| Return on Equity (ROE) | 4.8856% | 4,875 |
| Retained earnings to average equity (ytd only) | 4.8856% | 3,449 |
| Net charge-offs to loans | 0.5338% | 2,006 |
| Credit loss provision to net charge-offs | 15.2914% | 5,015 |
| Earnings coverage of net charge-offs (x) | 3.3510% | 3,678 |
| Efficiency ratio | 71.0400% | 3,496 |
| Assets per employee ($millions) | 5.9473% | 1,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0107% | 2,141 |
| Loan loss allowance to noncurrent loans | 79.5772% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 1.9566% | 2,706 |
| Noncurrent loans to loans | 2.5268% | 2,259 |
| Net loans and leases to total assets | 64.8412% | 2,867 |
| Net loans and leases to deposits | 87.7208% | 1,385 |
| Net loans and leases to core deposits | 105.3245% | 780 |
| Total domestic deposits to total assets | 73.5835% | 6,632 |
| Equity capital to assets | 15.9493% | 614 |
| Core capital (leverage) ratio | 9.2182% | 4,727 |
| Tier 1 risk-based capital ratio | 11.1958% | 6,395 |
| Total risk-based capital ratio | 13.9406% | 5,454 |
| Memoranda: |
| Average total assets | $65,594,911,750 | 32 |
| Average earning assets | $54,941,721,000 | 33 |
| Average equity | $10,625,194,000 | 25 |
| Average total loans | $43,629,151,750 | 26 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5068% | 3,735 |
| Cost of funding earning assets | 0.4435% | 6,007 |
| Net interest margin | 4.0633% | 2,236 |
| Noninterest income to average assets | 1.2877% | 856 |
| Noninterest expense to average assets | 3.4268% | 1,966 |
| Loan and lease loss provision to assets | 0.0760% | 4,671 |
| Net operating income to assets | 0.8085% | 3,358 |
| Return on assets (ROA) | 0.8192% | 3,562 |
| Pretax return on assets | 1.1920% | 2,958 |
| Return on Equity (ROE) | 5.0306% | 4,798 |
| Retained earnings to average equity (ytd only) | 5.0306% | 3,268 |
| Net charge-offs to loans | 0.5518% | 1,936 |
| Credit loss provision to net charge-offs | 20.6766% | 4,592 |
| Earnings coverage of net charge-offs (x) | 3.4028% | 3,384 |
| Efficiency ratio | 70.3749% | 3,701 |
| Assets per employee ($millions) | 5.6832% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1507% | 1,883 |
| Loan loss allowance to noncurrent loans | 72.6953% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 2.3518% | 2,375 |
| Noncurrent loans to loans | 2.9585% | 2,016 |
| Net loans and leases to total assets | 66.0078% | 2,666 |
| Net loans and leases to deposits | 90.1482% | 1,131 |
| Net loans and leases to core deposits | 109.4839% | 592 |
| Total domestic deposits to total assets | 72.8950% | 6,755 |
| Equity capital to assets | 16.2091% | 543 |
| Core capital (leverage) ratio | 9.2976% | 4,460 |
| Tier 1 risk-based capital ratio | 10.9740% | 6,512 |
| Total risk-based capital ratio | 13.7265% | 5,565 |
| Memoranda: |
| Average total assets | $64,816,547,330 | 32 |
| Average earning assets | $54,079,187,330 | 33 |
| Average equity | $10,555,465,000 | 25 |
| Average total loans | $43,188,723,330 | 27 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5134% | 3,858 |
| Cost of funding earning assets | 0.4615% | 6,073 |
| Net interest margin | 4.0519% | 2,296 |
| Noninterest income to average assets | 1.1240% | 1,119 |
| Noninterest expense to average assets | 3.3028% | 2,275 |
| Loan and lease loss provision to assets | 0.1005% | 4,085 |
| Net operating income to assets | 0.7553% | 3,598 |
| Return on assets (ROA) | 0.7832% | 3,702 |
| Pretax return on assets | 1.1319% | 3,191 |
| Return on Equity (ROE) | 4.7976% | 4,883 |
| Retained earnings to average equity (ytd only) | 4.7976% | 3,675 |
| Net charge-offs to loans | 0.6682% | 1,470 |
| Credit loss provision to net charge-offs | 22.7188% | 3,742 |
| Earnings coverage of net charge-offs (x) | 2.6916% | 3,108 |
| Efficiency ratio | 70.4100% | 3,741 |
| Assets per employee ($millions) | 5.5503% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3215% | 1,637 |
| Loan loss allowance to noncurrent loans | 68.4904% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 2.6799% | 2,204 |
| Noncurrent loans to loans | 3.3895% | 1,863 |
| Net loans and leases to total assets | 64.1758% | 2,820 |
| Net loans and leases to deposits | 87.0204% | 1,287 |
| Net loans and leases to core deposits | 101.3006% | 901 |
| Total domestic deposits to total assets | 73.4319% | 6,789 |
| Equity capital to assets | 16.1502% | 551 |
| Core capital (leverage) ratio | 9.0894% | 4,699 |
| Tier 1 risk-based capital ratio | 10.9837% | 6,545 |
| Total risk-based capital ratio | 14.0754% | 5,321 |
| Memoranda: |
| Average total assets | $64,233,769,500 | 32 |
| Average earning assets | $53,416,438,000 | 34 |
| Average equity | $10,485,645,500 | 25 |
| Average total loans | $42,527,790,500 | 27 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1572% | 2,229 |
| Cost of funding earning assets | 0.5462% | 6,359 |
| Net interest margin | 4.6110% | 900 |
| Noninterest income to average assets | 1.1851% | 943 |
| Noninterest expense to average assets | 6.8097% | 147 |
| Loan and lease loss provision to assets | 0.6759% | 1,515 |
| Net operating income to assets | -2.7703% | 7,153 |
| Return on assets (ROA) | -2.7001% | 7,150 |
| Pretax return on assets | -2.5427% | 7,125 |
| Return on Equity (ROE) | -14.4620% | 6,876 |
| Retained earnings to average equity (ytd only) | -14.4620% | 6,853 |
| Net charge-offs to loans | 1.1873% | 1,421 |
| Credit loss provision to net charge-offs | 88.2226% | 4,090 |
| Earnings coverage of net charge-offs (x) | -2.5284% | 6,303 |
| Efficiency ratio | 71.4034% | 3,711 |
| Assets per employee ($millions) | 5.3499% | 1,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4976% | 1,317 |
| Loan loss allowance to noncurrent loans | 67.9027% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 2.9383% | 2,047 |
| Noncurrent loans to loans | 3.6781% | 1,719 |
| Net loans and leases to total assets | 65.0661% | 2,967 |
| Net loans and leases to deposits | 88.8149% | 1,288 |
| Net loans and leases to core deposits | 104.3478% | 879 |
| Total domestic deposits to total assets | 72.9290% | 6,815 |
| Equity capital to assets | 16.5044% | 514 |
| Core capital (leverage) ratio | 8.8349% | 5,048 |
| Tier 1 risk-based capital ratio | 11.0821% | 6,410 |
| Total risk-based capital ratio | 14.2398% | 5,055 |
| Memoranda: |
| Average total assets | $63,418,723,200 | 31 |
| Average earning assets | $50,718,257,000 | 34 |
| Average equity | $11,840,391,200 | 22 |
| Average total loans | $40,920,210,800 | 26 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2884% | 1,906 |
| Cost of funding earning assets | 0.5733% | 6,418 |
| Net interest margin | 4.7151% | 741 |
| Noninterest income to average assets | 1.2416% | 842 |
| Noninterest expense to average assets | 3.6498% | 1,598 |
| Loan and lease loss provision to assets | 0.7878% | 1,189 |
| Net operating income to assets | 0.3987% | 5,013 |
| Return on assets (ROA) | 0.4693% | 4,873 |
| Pretax return on assets | 0.6389% | 4,689 |
| Return on Equity (ROE) | 2.4434% | 5,639 |
| Retained earnings to average equity (ytd only) | 2.4434% | 4,900 |
| Net charge-offs to loans | 1.3175% | 1,163 |
| Credit loss provision to net charge-offs | 93.4651% | 3,645 |
| Earnings coverage of net charge-offs (x) | 1.5780% | 4,456 |
| Efficiency ratio | 69.7978% | 3,988 |
| Assets per employee ($millions) | 5.3714% | 1,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6033% | 1,258 |
| Loan loss allowance to noncurrent loans | 62.7379% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 3.2686% | 1,940 |
| Noncurrent loans to loans | 4.1494% | 1,588 |
| Net loans and leases to total assets | 62.8494% | 3,538 |
| Net loans and leases to deposits | 89.5384% | 1,267 |
| Net loans and leases to core deposits | 103.7707% | 995 |
| Total domestic deposits to total assets | 69.8852% | 7,046 |
| Equity capital to assets | 19.1569% | 306 |
| Core capital (leverage) ratio | 9.1742% | 4,669 |
| Tier 1 risk-based capital ratio | 11.2430% | 6,405 |
| Total risk-based capital ratio | 14.4591% | 4,923 |
| Memoranda: |
| Average total assets | $63,496,657,250 | 30 |
| Average earning assets | $50,341,401,250 | 33 |
| Average equity | $12,196,624,250 | 21 |
| Average total loans | $40,622,004,750 | 26 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3253% | 1,800 |
| Cost of funding earning assets | 0.6251% | 6,336 |
| Net interest margin | 4.7001% | 725 |
| Noninterest income to average assets | 1.2615% | 791 |
| Noninterest expense to average assets | 3.5665% | 1,824 |
| Loan and lease loss provision to assets | 0.8806% | 1,012 |
| Net operating income to assets | 0.3934% | 4,976 |
| Return on assets (ROA) | 0.5024% | 4,632 |
| Pretax return on assets | 0.6825% | 4,452 |
| Return on Equity (ROE) | 2.6132% | 5,557 |
| Retained earnings to average equity (ytd only) | 2.6132% | 4,628 |
| Net charge-offs to loans | 1.2768% | 1,217 |
| Credit loss provision to net charge-offs | 108.1303% | 2,833 |
| Earnings coverage of net charge-offs (x) | 1.7370% | 4,000 |
| Efficiency ratio | 68.0230% | 4,507 |
| Assets per employee ($millions) | 5.2198% | 1,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8024% | 1,078 |
| Loan loss allowance to noncurrent loans | 56.9227% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 3.8161% | 1,699 |
| Noncurrent loans to loans | 4.9231% | 1,335 |
| Net loans and leases to total assets | 62.5669% | 3,777 |
| Net loans and leases to deposits | 85.9279% | 1,804 |
| Net loans and leases to core deposits | 96.0443% | 1,680 |
| Total domestic deposits to total assets | 72.5305% | 6,975 |
| Equity capital to assets | 19.5537% | 286 |
| Core capital (leverage) ratio | 9.0849% | 4,597 |
| Tier 1 risk-based capital ratio | 11.5543% | 6,130 |
| Total risk-based capital ratio | 14.8586% | 4,429 |
| Memoranda: |
| Average total assets | $63,176,661,000 | 30 |
| Average earning assets | $49,997,736,330 | 33 |
| Average equity | $12,146,209,670 | 22 |
| Average total loans | $40,298,203,670 | 27 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2449% | 2,070 |
| Cost of funding earning assets | 0.6451% | 6,400 |
| Net interest margin | 4.5998% | 861 |
| Noninterest income to average assets | 1.2377% | 828 |
| Noninterest expense to average assets | 3.5110% | 1,977 |
| Loan and lease loss provision to assets | 0.9043% | 888 |
| Net operating income to assets | 0.3344% | 5,253 |
| Return on assets (ROA) | 0.5504% | 4,354 |
| Pretax return on assets | 0.7617% | 4,052 |
| Return on Equity (ROE) | 2.8872% | 5,427 |
| Retained earnings to average equity (ytd only) | 2.8872% | 4,429 |
| Net charge-offs to loans | 1.1354% | 1,221 |
| Credit loss provision to net charge-offs | 125.4340% | 2,192 |
| Earnings coverage of net charge-offs (x) | 1.8934% | 3,361 |
| Efficiency ratio | 68.2972% | 4,599 |
| Assets per employee ($millions) | 5.2977% | 1,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8359% | 1,076 |
| Loan loss allowance to noncurrent loans | 56.3364% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 3.8448% | 1,741 |
| Noncurrent loans to loans | 5.0338% | 1,335 |
| Net loans and leases to total assets | 61.3127% | 4,008 |
| Net loans and leases to deposits | 83.7373% | 2,075 |
| Net loans and leases to core deposits | 95.6277% | 1,699 |
| Total domestic deposits to total assets | 72.9016% | 7,006 |
| Equity capital to assets | 19.0507% | 301 |
| Core capital (leverage) ratio | 8.9400% | 4,710 |
| Tier 1 risk-based capital ratio | 11.6495% | 5,980 |
| Total risk-based capital ratio | 15.0074% | 4,212 |
| Memoranda: |
| Average total assets | $63,445,901,500 | 30 |
| Average earning assets | $50,185,118,000 | 33 |
| Average equity | $12,095,264,000 | 22 |
| Average total loans | $40,286,965,000 | 27 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5062% | 2,257 |
| Cost of funding earning assets | 0.7364% | 6,773 |
| Net interest margin | 4.7698% | 702 |
| Noninterest income to average assets | 1.2174% | 1,012 |
| Noninterest expense to average assets | 4.1068% | 1,014 |
| Loan and lease loss provision to assets | 1.2795% | 1,208 |
| Net operating income to assets | -0.5991% | 6,449 |
| Return on assets (ROA) | -0.5018% | 6,420 |
| Pretax return on assets | -0.3931% | 6,241 |
| Return on Equity (ROE) | -2.6003% | 6,239 |
| Retained earnings to average equity (ytd only) | -2.6003% | 6,056 |
| Net charge-offs to loans | 2.3732% | 805 |
| Credit loss provision to net charge-offs | 83.8398% | 5,392 |
| Earnings coverage of net charge-offs (x) | 0.5170% | 5,599 |
| Efficiency ratio | 62.8593% | 5,543 |
| Assets per employee ($millions) | 5.3367% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7423% | 1,122 |
| Loan loss allowance to noncurrent loans | 54.0741% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 3.9270% | 1,735 |
| Noncurrent loans to loans | 5.0713% | 1,318 |
| Net loans and leases to total assets | 62.1438% | 4,256 |
| Net loans and leases to deposits | 86.3136% | 2,042 |
| Net loans and leases to core deposits | 99.5480% | 1,655 |
| Total domestic deposits to total assets | 71.6721% | 7,110 |
| Equity capital to assets | 19.0771% | 315 |
| Core capital (leverage) ratio | 8.6177% | 5,165 |
| Tier 1 risk-based capital ratio | 11.4173% | 5,977 |
| Total risk-based capital ratio | 14.7755% | 4,148 |
| Memoranda: |
| Average total assets | $64,481,430,000 | 29 |
| Average earning assets | $49,727,734,200 | 34 |
| Average equity | $12,442,144,000 | 21 |
| Average total loans | $41,465,695,400 | 26 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5070% | 2,402 |
| Cost of funding earning assets | 0.7405% | 6,945 |
| Net interest margin | 4.7665% | 722 |
| Noninterest income to average assets | 1.1947% | 976 |
| Noninterest expense to average assets | 3.1288% | 3,194 |
| Loan and lease loss provision to assets | 1.3225% | 1,048 |
| Net operating income to assets | 0.3016% | 5,158 |
| Return on assets (ROA) | 0.3773% | 5,039 |
| Pretax return on assets | 0.4989% | 4,930 |
| Return on Equity (ROE) | 1.9502% | 5,627 |
| Retained earnings to average equity (ytd only) | 1.9502% | 4,981 |
| Net charge-offs to loans | 2.3994% | 720 |
| Credit loss provision to net charge-offs | 85.5818% | 4,940 |
| Earnings coverage of net charge-offs (x) | 1.1136% | 4,941 |
| Efficiency ratio | 59.9802% | 5,959 |
| Assets per employee ($millions) | 5.6059% | 1,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8359% | 975 |
| Loan loss allowance to noncurrent loans | 49.7304% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 4.2503% | 1,611 |
| Noncurrent loans to loans | 5.7025% | 1,143 |
| Net loans and leases to total assets | 61.8168% | 4,569 |
| Net loans and leases to deposits | 87.4630% | 2,086 |
| Net loans and leases to core deposits | 102.4351% | 1,610 |
| Total domestic deposits to total assets | 70.3279% | 7,257 |
| Equity capital to assets | 19.6656% | 305 |
| Core capital (leverage) ratio | 8.5520% | 5,417 |
| Tier 1 risk-based capital ratio | 11.3243% | 6,078 |
| Total risk-based capital ratio | 14.6762% | 4,208 |
| Memoranda: |
| Average total assets | $64,778,472,500 | 28 |
| Average earning assets | $49,673,077,750 | 34 |
| Average equity | $12,534,044,750 | 21 |
| Average total loans | $41,721,663,000 | 25 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4089% | 2,938 |
| Cost of funding earning assets | 0.7398% | 7,094 |
| Net interest margin | 4.6691% | 868 |
| Noninterest income to average assets | 1.2101% | 882 |
| Noninterest expense to average assets | 3.1003% | 3,319 |
| Loan and lease loss provision to assets | 1.3148% | 1,039 |
| Net operating income to assets | 0.2680% | 5,302 |
| Return on assets (ROA) | 0.3469% | 5,155 |
| Pretax return on assets | 0.4688% | 5,006 |
| Return on Equity (ROE) | 1.8028% | 5,693 |
| Retained earnings to average equity (ytd only) | 1.8028% | 4,963 |
| Net charge-offs to loans | 2.2950% | 775 |
| Credit loss provision to net charge-offs | 88.5891% | 4,458 |
| Earnings coverage of net charge-offs (x) | 1.1291% | 4,659 |
| Efficiency ratio | 60.2512% | 6,005 |
| Assets per employee ($millions) | 5.7250% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9163% | 899 |
| Loan loss allowance to noncurrent loans | 49.2622% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 4.3973% | 1,518 |
| Noncurrent loans to loans | 5.9199% | 1,085 |
| Net loans and leases to total assets | 62.0556% | 4,672 |
| Net loans and leases to deposits | 87.3398% | 2,285 |
| Net loans and leases to core deposits | 103.8966% | 1,651 |
| Total domestic deposits to total assets | 70.6946% | 7,284 |
| Equity capital to assets | 19.3159% | 321 |
| Core capital (leverage) ratio | 8.3453% | 5,678 |
| Tier 1 risk-based capital ratio | 10.9360% | 6,309 |
| Total risk-based capital ratio | 14.2560% | 4,394 |
| Memoranda: |
| Average total assets | $64,943,828,330 | 28 |
| Average earning assets | $49,600,366,330 | 34 |
| Average equity | $12,498,218,670 | 21 |
| Average total loans | $41,996,514,000 | 25 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2960% | 3,572 |
| Cost of funding earning assets | 0.7243% | 7,284 |
| Net interest margin | 4.5717% | 1,001 |
| Noninterest income to average assets | 1.1856% | 866 |
| Noninterest expense to average assets | 3.0667% | 3,402 |
| Loan and lease loss provision to assets | 1.2581% | 967 |
| Net operating income to assets | 0.2184% | 5,626 |
| Return on assets (ROA) | 0.2650% | 5,559 |
| Pretax return on assets | 0.3882% | 5,333 |
| Return on Equity (ROE) | 1.3794% | 6,004 |
| Retained earnings to average equity (ytd only) | 1.3794% | 5,253 |
| Net charge-offs to loans | 2.0873% | 817 |
| Credit loss provision to net charge-offs | 92.6719% | 3,596 |
| Earnings coverage of net charge-offs (x) | 1.1613% | 4,067 |
| Efficiency ratio | 61.1762% | 5,971 |
| Assets per employee ($millions) | 5.6917% | 1,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0082% | 816 |
| Loan loss allowance to noncurrent loans | 44.7670% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 4.8270% | 1,360 |
| Noncurrent loans to loans | 6.7198% | 918 |
| Net loans and leases to total assets | 61.9582% | 4,767 |
| Net loans and leases to deposits | 86.8847% | 2,428 |
| Net loans and leases to core deposits | 101.0504% | 2,025 |
| Total domestic deposits to total assets | 71.0103% | 7,341 |
| Equity capital to assets | 19.1589% | 334 |
| Core capital (leverage) ratio | 8.2056% | 5,900 |
| Tier 1 risk-based capital ratio | 10.8898% | 6,258 |
| Total risk-based capital ratio | 14.2435% | 4,311 |
| Memoranda: |
| Average total assets | $64,877,771,500 | 28 |
| Average earning assets | $49,067,767,500 | 33 |
| Average equity | $12,462,313,000 | 21 |
| Average total loans | $42,196,595,500 | 24 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1423% | 5,911 |
| Cost of funding earning assets | 1.0632% | 7,071 |
| Net interest margin | 4.0791% | 2,535 |
| Noninterest income to average assets | 1.4430% | 700 |
| Noninterest expense to average assets | 5.3571% | 422 |
| Loan and lease loss provision to assets | 2.6688% | 715 |
| Net operating income to assets | -3.0991% | 7,422 |
| Return on assets (ROA) | -2.9812% | 7,400 |
| Pretax return on assets | -3.3225% | 7,376 |
| Return on Equity (ROE) | -14.3368% | 6,896 |
| Retained earnings to average equity (ytd only) | -14.3368% | 6,839 |
| Net charge-offs to loans | 2.8481% | 768 |
| Credit loss provision to net charge-offs | 146.4839% | 3,231 |
| Earnings coverage of net charge-offs (x) | -0.4308% | 6,650 |
| Efficiency ratio | 56.7112% | 6,930 |
| Assets per employee ($millions) | 5.4375% | 1,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9643% | 798 |
| Loan loss allowance to noncurrent loans | 49.6817% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 4.4272% | 1,463 |
| Noncurrent loans to loans | 5.9666% | 1,052 |
| Net loans and leases to total assets | 64.2474% | 4,548 |
| Net loans and leases to deposits | 88.7126% | 2,437 |
| Net loans and leases to core deposits | 112.7544% | 2,622 |
| Total domestic deposits to total assets | 71.9810% | 7,245 |
| Equity capital to assets | 19.2593% | 348 |
| Core capital (leverage) ratio | 7.7569% | 6,496 |
| Tier 1 risk-based capital ratio | 10.5225% | 6,375 |
| Total risk-based capital ratio | 13.8370% | 4,402 |
| Memoranda: |
| Average total assets | $63,193,239,600 | 31 |
| Average earning assets | $48,476,610,000 | 33 |
| Average equity | $13,140,475,200 | 21 |
| Average total loans | $40,424,102,800 | 26 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9593% | 6,737 |
| Cost of funding earning assets | 1.1231% | 7,123 |
| Net interest margin | 3.8362% | 3,495 |
| Noninterest income to average assets | 1.2380% | 1,007 |
| Noninterest expense to average assets | 2.7368% | 5,163 |
| Loan and lease loss provision to assets | 1.2071% | 1,606 |
| Net operating income to assets | 0.1656% | 5,265 |
| Return on assets (ROA) | 0.2870% | 4,942 |
| Pretax return on assets | 0.4179% | 4,750 |
| Return on Equity (ROE) | 1.3545% | 5,387 |
| Retained earnings to average equity (ytd only) | 1.3545% | 4,563 |
| Net charge-offs to loans | 1.8977% | 1,058 |
| Credit loss provision to net charge-offs | 100.3407% | 5,060 |
| Earnings coverage of net charge-offs (x) | 1.2038% | 4,863 |
| Efficiency ratio | 59.1009% | 6,550 |
| Assets per employee ($millions) | 5.5260% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6589% | 2,772 |
| Loan loss allowance to noncurrent loans | 33.0148% | 6,229 |
| Noncurrent assets plus other real estate owned to assets | 3.6778% | 1,775 |
| Noncurrent loans to loans | 5.0247% | 1,308 |
| Net loans and leases to total assets | 64.2865% | 4,798 |
| Net loans and leases to deposits | 89.9851% | 2,585 |
| Net loans and leases to core deposits | 117.3471% | 2,482 |
| Total domestic deposits to total assets | 70.7413% | 7,353 |
| Equity capital to assets | 20.4940% | 307 |
| Core capital (leverage) ratio | 8.2540% | 5,914 |
| Tier 1 risk-based capital ratio | 10.0258% | 6,953 |
| Total risk-based capital ratio | 13.2787% | 4,885 |
| Memoranda: |
| Average total assets | $62,839,526,750 | 33 |
| Average earning assets | $48,273,843,250 | 35 |
| Average equity | $13,314,825,000 | 20 |
| Average total loans | $39,835,859,250 | 28 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0919% | 6,468 |
| Cost of funding earning assets | 1.2107% | 7,075 |
| Net interest margin | 3.8812% | 3,204 |
| Noninterest income to average assets | 1.2795% | 932 |
| Noninterest expense to average assets | 2.7566% | 5,145 |
| Loan and lease loss provision to assets | 1.0835% | 1,580 |
| Net operating income to assets | 0.2888% | 4,947 |
| Return on assets (ROA) | 0.3618% | 4,755 |
| Pretax return on assets | 0.5391% | 4,499 |
| Return on Equity (ROE) | 1.6845% | 5,408 |
| Retained earnings to average equity (ytd only) | 1.6845% | 4,403 |
| Net charge-offs to loans | 1.2394% | 1,489 |
| Credit loss provision to net charge-offs | 139.5033% | 3,348 |
| Earnings coverage of net charge-offs (x) | 1.9476% | 4,128 |
| Efficiency ratio | 58.2524% | 6,825 |
| Assets per employee ($millions) | 5.6380% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1857% | 1,267 |
| Loan loss allowance to noncurrent loans | 50.2659% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 3.0387% | 2,086 |
| Noncurrent loans to loans | 4.3483% | 1,492 |
| Net loans and leases to total assets | 62.0907% | 5,345 |
| Net loans and leases to deposits | 99.7611% | 1,311 |
| Net loans and leases to core deposits | 131.3577% | 1,460 |
| Total domestic deposits to total assets | 61.4857% | 7,907 |
| Equity capital to assets | 22.5154% | 267 |
| Core capital (leverage) ratio | 7.8273% | 6,580 |
| Tier 1 risk-based capital ratio | 9.2373% | 7,580 |
| Total risk-based capital ratio | 12.5458% | 5,502 |
| Memoranda: |
| Average total assets | $61,055,225,670 | 34 |
| Average earning assets | $47,032,527,670 | 37 |
| Average equity | $13,112,101,000 | 20 |
| Average total loans | $38,260,848,000 | 29 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0721% | 6,735 |
| Cost of funding earning assets | 1.3249% | 6,947 |
| Net interest margin | 3.7472% | 3,668 |
| Noninterest income to average assets | 1.3043% | 841 |
| Noninterest expense to average assets | 2.7399% | 4,826 |
| Loan and lease loss provision to assets | 0.9650% | 1,344 |
| Net operating income to assets | 0.3314% | 5,157 |
| Return on assets (ROA) | 0.3293% | 5,353 |
| Pretax return on assets | 0.4880% | 5,113 |
| Return on Equity (ROE) | 1.5701% | 5,934 |
| Retained earnings to average equity (ytd only) | 1.5701% | 4,974 |
| Net charge-offs to loans | 0.9316% | 1,419 |
| Credit loss provision to net charge-offs | 166.3171% | 2,574 |
| Earnings coverage of net charge-offs (x) | 2.5078% | 3,495 |
| Efficiency ratio | 58.9517% | 6,559 |
| Assets per employee ($millions) | 5.7526% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0579% | 1,313 |
| Loan loss allowance to noncurrent loans | 53.3308% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 2.6520% | 2,162 |
| Noncurrent loans to loans | 3.8588% | 1,588 |
| Net loans and leases to total assets | 61.1835% | 5,467 |
| Net loans and leases to deposits | 99.9023% | 1,422 |
| Net loans and leases to core deposits | 132.3510% | 1,511 |
| Total domestic deposits to total assets | 60.3115% | 7,959 |
| Equity capital to assets | 21.6141% | 327 |
| Core capital (leverage) ratio | 7.4212% | 7,253 |
| Tier 1 risk-based capital ratio | 8.7461% | 7,893 |
| Total risk-based capital ratio | 12.0973% | 5,948 |
| Memoranda: |
| Average total assets | $61,867,550,500 | 35 |
| Average earning assets | $47,724,555,000 | 39 |
| Average equity | $12,977,632,500 | 20 |
| Average total loans | $38,528,560,000 | 30 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1931% | 4,552 |
| Cost of funding earning assets | 2.3164% | 5,078 |
| Net interest margin | 3.8767% | 3,670 |
| Noninterest income to average assets | 1.4602% | 663 |
| Noninterest expense to average assets | 4.0432% | 1,354 |
| Loan and lease loss provision to assets | 0.7835% | 1,904 |
| Net operating income to assets | -0.6497% | 7,037 |
| Return on assets (ROA) | -0.5975% | 6,894 |
| Pretax return on assets | -0.3677% | 6,517 |
| Return on Equity (ROE) | -2.7328% | 6,588 |
| Retained earnings to average equity (ytd only) | -5.3666% | 6,567 |
| Net charge-offs to loans | 0.8143% | 1,536 |
| Credit loss provision to net charge-offs | 160.4470% | 3,220 |
| Earnings coverage of net charge-offs (x) | 0.7447% | 5,777 |
| Efficiency ratio | 58.1869% | 6,663 |
| Assets per employee ($millions) | 5.1227% | 1,805 |
| Cash dividends to net income (ytd only)* | -96.3763% | 8,136 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8911% | 1,440 |
| Loan loss allowance to noncurrent loans | 61.3646% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 2.1257% | 2,307 |
| Noncurrent loans to loans | 3.0818% | 1,734 |
| Net loans and leases to total assets | 60.9110% | 5,781 |
| Net loans and leases to deposits | 97.0992% | 2,277 |
| Net loans and leases to core deposits | 134.6937% | 1,555 |
| Total domestic deposits to total assets | 60.3087% | 7,957 |
| Equity capital to assets | 20.3467% | 443 |
| Core capital (leverage) ratio | 6.2603% | 8,003 |
| Tier 1 risk-based capital ratio | 7.4084% | 8,140 |
| Total risk-based capital ratio | 10.7472% | 7,230 |
| Memoranda: |
| Average total assets | $60,775,470,000 | 34 |
| Average earning assets | $46,194,551,200 | 37 |
| Average equity | $13,288,978,800 | 17 |
| Average total loans | $36,445,565,600 | 31 |
