| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5294% | 1,123 |
| Cost of funding earning assets | 2.5183% | 348 |
| Net interest margin | 3.0111% | 3,255 |
| Noninterest income to average assets | 1.3500% | 445 |
| Noninterest expense to average assets | 2.4909% | 2,325 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.1040% | 1,914 |
| Return on assets (ROA) | 1.0549% | 2,020 |
| Pretax return on assets | 1.3579% | 1,724 |
| Return on Equity (ROE) | 11.1900% | 2,174 |
| Retained earnings to average equity (ytd only) | 4.0113% | 2,957 |
| Net charge-offs to loans | 0.0779% | 1,085 |
| Credit loss provision to net charge-offs | 328.8469% | 899 |
| Earnings coverage of net charge-offs (x) | 40.2142% | 1,442 |
| Efficiency ratio | 61.5641% | 2,896 |
| Assets per employee ($millions) | 10.5361% | 610 |
| Cash dividends to net income (ytd only)* | 64.1675% | 1,032 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1589% | 2,507 |
| Loan loss allowance to noncurrent loans | 142.9648% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.3967% | 1,401 |
| Noncurrent loans to loans | 0.8106% | 954 |
| Net loans and leases to total assets | 47.6700% | 3,742 |
| Net loans and leases to deposits | 68.8926% | 2,961 |
| Net loans and leases to core deposits | 73.2543% | 3,111 |
| Total domestic deposits to total assets | 69.1900% | 4,317 |
| Equity capital to assets | 9.6515% | 2,240 |
| Core capital (leverage) ratio | 8.8609% | 3,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3024% | 2,492 |
| Memoranda: |
| Average total assets | $48,014,218,800 | 47 |
| Average earning assets | $42,308,184,200 | 47 |
| Average equity | $4,524,428,000 | 52 |
| Average total loans | $23,245,335,000 | 57 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4076% | 1,125 |
| Cost of funding earning assets | 2.3040% | 403 |
| Net interest margin | 3.1036% | 3,135 |
| Noninterest income to average assets | 1.3500% | 444 |
| Noninterest expense to average assets | 2.3799% | 2,582 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.2442% | 1,664 |
| Return on assets (ROA) | 1.2379% | 1,676 |
| Pretax return on assets | 1.5824% | 1,394 |
| Return on Equity (ROE) | 13.2200% | 1,859 |
| Retained earnings to average equity (ytd only) | 4.9978% | 2,932 |
| Net charge-offs to loans | 0.0809% | 912 |
| Credit loss provision to net charge-offs | 360.0157% | 775 |
| Earnings coverage of net charge-offs (x) | 43.4223% | 1,400 |
| Efficiency ratio | 57.7016% | 3,245 |
| Assets per employee ($millions) | 10.3710% | 601 |
| Cash dividends to net income (ytd only)* | 62.1964% | 875 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1463% | 2,642 |
| Loan loss allowance to noncurrent loans | 162.6319% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.3514% | 1,624 |
| Noncurrent loans to loans | 0.7048% | 1,174 |
| Net loans and leases to total assets | 48.2000% | 3,727 |
| Net loans and leases to deposits | 69.1472% | 2,902 |
| Net loans and leases to core deposits | 73.8966% | 3,001 |
| Total domestic deposits to total assets | 69.7100% | 4,333 |
| Equity capital to assets | 9.1185% | 2,350 |
| Core capital (leverage) ratio | 8.9000% | 3,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2787% | 2,515 |
| Memoranda: |
| Average total assets | $47,622,109,250 | 49 |
| Average earning assets | $41,956,709,750 | 48 |
| Average equity | $4,459,171,750 | 52 |
| Average total loans | $23,078,364,000 | 57 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2118% | 1,199 |
| Cost of funding earning assets | 1.9697% | 525 |
| Net interest margin | 3.2421% | 2,883 |
| Noninterest income to average assets | 1.3500% | 371 |
| Noninterest expense to average assets | 2.3688% | 2,599 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.3170% | 1,523 |
| Return on assets (ROA) | 1.3079% | 1,538 |
| Pretax return on assets | 1.6823% | 1,252 |
| Return on Equity (ROE) | 13.8400% | 1,714 |
| Retained earnings to average equity (ytd only) | 6.0066% | 2,619 |
| Net charge-offs to loans | 0.0654% | 901 |
| Credit loss provision to net charge-offs | 461.4829% | 681 |
| Earnings coverage of net charge-offs (x) | 57.9886% | 1,212 |
| Efficiency ratio | 55.7880% | 3,447 |
| Assets per employee ($millions) | 10.5660% | 564 |
| Cash dividends to net income (ytd only)* | 56.6116% | 1,076 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1293% | 2,796 |
| Loan loss allowance to noncurrent loans | 139.5537% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.3933% | 1,357 |
| Noncurrent loans to loans | 0.8092% | 943 |
| Net loans and leases to total assets | 47.0000% | 3,740 |
| Net loans and leases to deposits | 68.5694% | 2,892 |
| Net loans and leases to core deposits | 73.6732% | 2,914 |
| Total domestic deposits to total assets | 68.5400% | 4,395 |
| Equity capital to assets | 9.1846% | 2,386 |
| Core capital (leverage) ratio | 9.1153% | 3,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3479% | 2,522 |
| Memoranda: |
| Average total assets | $47,268,977,000 | 48 |
| Average earning assets | $41,648,376,333 | 48 |
| Average equity | $4,465,881,000 | 51 |
| Average total loans | $22,858,322,667 | 56 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0650% | 1,122 |
| Cost of funding earning assets | 1.6029% | 693 |
| Net interest margin | 3.4621% | 2,470 |
| Noninterest income to average assets | 1.2500% | 418 |
| Noninterest expense to average assets | 2.3684% | 2,615 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.3889% | 1,436 |
| Return on assets (ROA) | 1.3916% | 1,405 |
| Pretax return on assets | 1.7852% | 1,095 |
| Return on Equity (ROE) | 14.5200% | 1,657 |
| Retained earnings to average equity (ytd only) | 7.7769% | 2,292 |
| Net charge-offs to loans | 0.0136% | 1,445 |
| Credit loss provision to net charge-offs | 1,888.8166% | 206 |
| Earnings coverage of net charge-offs (x) | 289.7542% | 373 |
| Efficiency ratio | 54.6520% | 3,537 |
| Assets per employee ($millions) | 9.9252% | 721 |
| Cash dividends to net income (ytd only)* | 46.4273% | 1,283 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0965% | 3,082 |
| Loan loss allowance to noncurrent loans | 134.5879% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.4374% | 1,181 |
| Noncurrent loans to loans | 0.8147% | 938 |
| Net loans and leases to total assets | 49.7100% | 3,517 |
| Net loans and leases to deposits | 68.6045% | 2,723 |
| Net loans and leases to core deposits | 70.8489% | 2,893 |
| Total domestic deposits to total assets | 72.4500% | 4,343 |
| Equity capital to assets | 10.0538% | 1,791 |
| Core capital (leverage) ratio | 9.3746% | 3,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4290% | 2,591 |
| Memoranda: |
| Average total assets | $46,432,623,000 | 51 |
| Average earning assets | $40,747,082,500 | 50 |
| Average equity | $4,451,276,000 | 53 |
| Average total loans | $22,655,949,500 | 59 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4730% | 3,145 |
| Cost of funding earning assets | 0.4440% | 1,762 |
| Net interest margin | 3.0291% | 3,361 |
| Noninterest income to average assets | 1.1200% | 534 |
| Noninterest expense to average assets | 2.2165% | 2,984 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.1317% | 2,045 |
| Return on assets (ROA) | 1.1272% | 2,009 |
| Pretax return on assets | 1.4327% | 1,682 |
| Return on Equity (ROE) | 11.7300% | 2,237 |
| Retained earnings to average equity (ytd only) | 6.7036% | 2,365 |
| Net charge-offs to loans | 0.0988% | 738 |
| Credit loss provision to net charge-offs | 2.0241% | 1,976 |
| Earnings coverage of net charge-offs (x) | 33.1240% | 1,629 |
| Efficiency ratio | 58.8758% | 3,212 |
| Assets per employee ($millions) | 10.4607% | 584 |
| Cash dividends to net income (ytd only)* | 42.8302% | 1,751 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0448% | 3,145 |
| Loan loss allowance to noncurrent loans | 119.0960% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.4431% | 1,150 |
| Noncurrent loans to loans | 0.8772% | 845 |
| Net loans and leases to total assets | 46.9000% | 3,742 |
| Net loans and leases to deposits | 64.3204% | 3,013 |
| Net loans and leases to core deposits | 66.2896% | 3,117 |
| Total domestic deposits to total assets | 72.9200% | 4,395 |
| Equity capital to assets | 9.1421% | 2,271 |
| Core capital (leverage) ratio | 9.3126% | 3,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8519% | 2,771 |
| Memoranda: |
| Average total assets | $46,604,550,400 | 53 |
| Average earning assets | $40,023,934,800 | 52 |
| Average equity | $4,480,136,800 | 58 |
| Average total loans | $21,395,556,000 | 65 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1574% | 3,544 |
| Cost of funding earning assets | 0.2681% | 2,507 |
| Net interest margin | 2.8893% | 3,519 |
| Noninterest income to average assets | 1.0100% | 645 |
| Noninterest expense to average assets | 2.1451% | 3,087 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.0231% | 2,394 |
| Return on assets (ROA) | 1.0262% | 2,354 |
| Pretax return on assets | 1.2965% | 2,058 |
| Return on Equity (ROE) | 10.5400% | 2,557 |
| Retained earnings to average equity (ytd only) | 6.1107% | 2,717 |
| Net charge-offs to loans | 0.0356% | 1,152 |
| Credit loss provision to net charge-offs | -159.8510% | 4,655 |
| Earnings coverage of net charge-offs (x) | 82.3593% | 1,030 |
| Efficiency ratio | 60.8553% | 3,004 |
| Assets per employee ($millions) | 9.6214% | 725 |
| Cash dividends to net income (ytd only)* | 42.0395% | 1,495 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1053% | 2,990 |
| Loan loss allowance to noncurrent loans | 118.3727% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.5349% | 1,008 |
| Noncurrent loans to loans | 0.9338% | 833 |
| Net loans and leases to total assets | 49.7500% | 3,480 |
| Net loans and leases to deposits | 58.9967% | 3,282 |
| Net loans and leases to core deposits | 60.8725% | 3,318 |
| Total domestic deposits to total assets | 84.3300% | 3,422 |
| Equity capital to assets | 9.6302% | 1,807 |
| Core capital (leverage) ratio | 9.1796% | 3,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9803% | 2,822 |
| Memoranda: |
| Average total assets | $46,356,640,000 | 55 |
| Average earning assets | $39,658,176,750 | 54 |
| Average equity | $4,512,351,000 | 59 |
| Average total loans | $21,104,276,000 | 67 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8489% | 3,895 |
| Cost of funding earning assets | 0.1668% | 3,359 |
| Net interest margin | 2.6821% | 3,737 |
| Noninterest income to average assets | 0.8380% | 972 |
| Noninterest expense to average assets | 2.0564% | 3,274 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8474% | 2,788 |
| Return on assets (ROA) | 0.8503% | 2,750 |
| Pretax return on assets | 1.0795% | 2,483 |
| Return on Equity (ROE) | 8.7067% | 2,791 |
| Retained earnings to average equity (ytd only) | 6.5425% | 2,159 |
| Net charge-offs to loans | 0.0497% | 893 |
| Credit loss provision to net charge-offs | -195.3879% | 3,207 |
| Earnings coverage of net charge-offs (x) | 49.1177% | 1,165 |
| Efficiency ratio | 64.8135% | 2,665 |
| Assets per employee ($millions) | 10.0028% | 660 |
| Cash dividends to net income (ytd only)* | 24.8561% | 2,278 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1257% | 3,056 |
| Loan loss allowance to noncurrent loans | 119.5931% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.4922% | 1,158 |
| Noncurrent loans to loans | 0.9413% | 891 |
| Net loans and leases to total assets | 46.8495% | 3,644 |
| Net loans and leases to deposits | 54.5083% | 3,506 |
| Net loans and leases to core deposits | 56.4016% | 3,531 |
| Total domestic deposits to total assets | 85.9493% | 3,261 |
| Equity capital to assets | 9.8012% | 1,820 |
| Core capital (leverage) ratio | 8.5994% | 3,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8159% | 2,862 |
| Memoranda: |
| Average total assets | $47,315,881,000 | 53 |
| Average earning assets | $40,473,937,667 | 54 |
| Average equity | $4,620,770,000 | 59 |
| Average total loans | $20,848,129,333 | 67 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6965% | 3,957 |
| Cost of funding earning assets | 0.1355% | 3,695 |
| Net interest margin | 2.5610% | 3,753 |
| Noninterest income to average assets | 0.4939% | 2,172 |
| Noninterest expense to average assets | 2.0224% | 3,379 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5484% | 3,563 |
| Return on assets (ROA) | 0.5501% | 3,534 |
| Pretax return on assets | 0.6949% | 3,409 |
| Return on Equity (ROE) | 5.6421% | 3,440 |
| Retained earnings to average equity (ytd only) | 1.4012% | 3,722 |
| Net charge-offs to loans | 0.1163% | 464 |
| Credit loss provision to net charge-offs | -66.3267% | 2,844 |
| Earnings coverage of net charge-offs (x) | 14.0109% | 1,378 |
| Efficiency ratio | 73.5336% | 1,790 |
| Assets per employee ($millions) | 10.3994% | 614 |
| Cash dividends to net income (ytd only)* | 75.1654% | 778 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1856% | 2,932 |
| Loan loss allowance to noncurrent loans | 104.7867% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.5414% | 1,109 |
| Noncurrent loans to loans | 1.1314% | 789 |
| Net loans and leases to total assets | 44.0336% | 3,733 |
| Net loans and leases to deposits | 51.7070% | 3,588 |
| Net loans and leases to core deposits | 53.9367% | 3,598 |
| Total domestic deposits to total assets | 85.1598% | 3,505 |
| Equity capital to assets | 9.6042% | 2,209 |
| Core capital (leverage) ratio | 7.8467% | 4,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2976% | 3,008 |
| Memoranda: |
| Average total assets | $48,372,539,000 | 53 |
| Average earning assets | $41,958,754,500 | 54 |
| Average equity | $4,715,966,500 | 60 |
| Average total loans | $20,563,052,500 | 69 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8177% | 4,180 |
| Cost of funding earning assets | 0.1297% | 4,159 |
| Net interest margin | 2.6881% | 3,897 |
| Noninterest income to average assets | 1.2494% | 678 |
| Noninterest expense to average assets | 2.2008% | 3,086 |
| Loan and lease loss provision to assets | -0.2205% | 4,725 |
| Net operating income to assets | 1.2652% | 1,703 |
| Return on assets (ROA) | 1.2768% | 1,726 |
| Pretax return on assets | 1.6502% | 1,272 |
| Return on Equity (ROE) | 11.9712% | 1,829 |
| Retained earnings to average equity (ytd only) | 2.4950% | 3,830 |
| Net charge-offs to loans | 0.1492% | 639 |
| Credit loss provision to net charge-offs | -309.4228% | 3,621 |
| Earnings coverage of net charge-offs (x) | 20.8290% | 1,841 |
| Efficiency ratio | 60.0418% | 3,140 |
| Assets per employee ($millions) | 11.2041% | 482 |
| Cash dividends to net income (ytd only)* | 79.1583% | 514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2608% | 2,559 |
| Loan loss allowance to noncurrent loans | 101.2757% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.5403% | 1,222 |
| Noncurrent loans to loans | 1.2450% | 774 |
| Net loans and leases to total assets | 40.0868% | 4,087 |
| Net loans and leases to deposits | 48.3233% | 3,978 |
| Net loans and leases to core deposits | 50.4673% | 3,992 |
| Total domestic deposits to total assets | 82.9553% | 3,818 |
| Equity capital to assets | 9.8843% | 2,767 |
| Core capital (leverage) ratio | 7.8446% | 4,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1317% | 2,859 |
| Memoranda: |
| Average total assets | $47,491,214,400 | 52 |
| Average earning assets | $41,833,129,400 | 52 |
| Average equity | $5,065,338,200 | 55 |
| Average total loans | $21,646,838,800 | 64 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8762% | 4,204 |
| Cost of funding earning assets | 0.1281% | 4,275 |
| Net interest margin | 2.7481% | 3,883 |
| Noninterest income to average assets | 1.3504% | 655 |
| Noninterest expense to average assets | 2.2340% | 2,952 |
| Loan and lease loss provision to assets | -0.2492% | 4,793 |
| Net operating income to assets | 1.3791% | 1,604 |
| Return on assets (ROA) | 1.3938% | 1,629 |
| Pretax return on assets | 1.7947% | 1,175 |
| Return on Equity (ROE) | 12.8164% | 1,759 |
| Retained earnings to average equity (ytd only) | 3.3935% | 3,770 |
| Net charge-offs to loans | 0.2012% | 417 |
| Credit loss provision to net charge-offs | -237.5644% | 3,431 |
| Earnings coverage of net charge-offs (x) | 16.1932% | 1,842 |
| Efficiency ratio | 58.5900% | 3,183 |
| Assets per employee ($millions) | 10.3045% | 590 |
| Cash dividends to net income (ytd only)* | 73.5224% | 523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3524% | 2,209 |
| Loan loss allowance to noncurrent loans | 108.9270% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.5859% | 1,306 |
| Noncurrent loans to loans | 1.2415% | 891 |
| Net loans and leases to total assets | 43.1882% | 4,007 |
| Net loans and leases to deposits | 52.0348% | 3,881 |
| Net loans and leases to core deposits | 54.6432% | 3,875 |
| Total domestic deposits to total assets | 82.9987% | 3,707 |
| Equity capital to assets | 10.8013% | 2,162 |
| Core capital (leverage) ratio | 8.1812% | 4,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4458% | 2,875 |
| Memoranda: |
| Average total assets | $46,840,668,500 | 52 |
| Average earning assets | $41,117,522,500 | 53 |
| Average equity | $5,093,821,500 | 56 |
| Average total loans | $21,974,239,250 | 64 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8726% | 4,258 |
| Cost of funding earning assets | 0.1362% | 4,306 |
| Net interest margin | 2.7364% | 3,906 |
| Noninterest income to average assets | 1.2974% | 691 |
| Noninterest expense to average assets | 2.2345% | 2,967 |
| Loan and lease loss provision to assets | -0.2560% | 4,813 |
| Net operating income to assets | 1.3423% | 1,734 |
| Return on assets (ROA) | 1.3534% | 1,780 |
| Pretax return on assets | 1.7456% | 1,372 |
| Return on Equity (ROE) | 12.4171% | 1,906 |
| Retained earnings to average equity (ytd only) | 7.1326% | 2,382 |
| Net charge-offs to loans | 0.2662% | 330 |
| Credit loss provision to net charge-offs | -156.5517% | 3,144 |
| Earnings coverage of net charge-offs (x) | 11.5679% | 1,751 |
| Efficiency ratio | 59.4225% | 3,092 |
| Assets per employee ($millions) | 10.2579% | 569 |
| Cash dividends to net income (ytd only)* | 42.5584% | 1,494 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4479% | 1,775 |
| Loan loss allowance to noncurrent loans | 115.9404% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.6149% | 1,356 |
| Noncurrent loans to loans | 1.2488% | 955 |
| Net loans and leases to total assets | 45.2553% | 3,958 |
| Net loans and leases to deposits | 56.3980% | 3,686 |
| Net loans and leases to core deposits | 59.1295% | 3,679 |
| Total domestic deposits to total assets | 80.2428% | 4,204 |
| Equity capital to assets | 10.9922% | 1,980 |
| Core capital (leverage) ratio | 8.3562% | 4,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7554% | 2,789 |
| Memoranda: |
| Average total assets | $46,877,222,000 | 52 |
| Average earning assets | $41,346,613,000 | 52 |
| Average equity | $5,109,243,333 | 53 |
| Average total loans | $22,479,326,667 | 63 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8726% | 4,290 |
| Cost of funding earning assets | 0.1452% | 4,338 |
| Net interest margin | 2.7274% | 3,906 |
| Noninterest income to average assets | 1.2616% | 792 |
| Noninterest expense to average assets | 2.2380% | 2,981 |
| Loan and lease loss provision to assets | -0.2134% | 4,820 |
| Net operating income to assets | 1.2800% | 1,891 |
| Return on assets (ROA) | 1.2756% | 1,978 |
| Pretax return on assets | 1.6488% | 1,605 |
| Return on Equity (ROE) | 11.7536% | 2,109 |
| Retained earnings to average equity (ytd only) | 9.7872% | 1,715 |
| Net charge-offs to loans | 0.2522% | 337 |
| Credit loss provision to net charge-offs | -150.4700% | 2,905 |
| Earnings coverage of net charge-offs (x) | 11.6567% | 1,444 |
| Efficiency ratio | 60.0572% | 3,025 |
| Assets per employee ($millions) | 10.1567% | 568 |
| Cash dividends to net income (ytd only)* | 16.7295% | 2,092 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5509% | 1,417 |
| Loan loss allowance to noncurrent loans | 120.1003% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.6658% | 1,417 |
| Noncurrent loans to loans | 1.2914% | 1,004 |
| Net loans and leases to total assets | 47.3539% | 3,872 |
| Net loans and leases to deposits | 58.8213% | 3,577 |
| Net loans and leases to core deposits | 63.3580% | 3,470 |
| Total domestic deposits to total assets | 80.5047% | 4,139 |
| Equity capital to assets | 10.7793% | 2,026 |
| Core capital (leverage) ratio | 8.2555% | 4,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1738% | 2,598 |
| Memoranda: |
| Average total assets | $46,861,060,500 | 53 |
| Average earning assets | $41,510,818,000 | 52 |
| Average equity | $5,085,678,500 | 52 |
| Average total loans | $22,948,518,000 | 61 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2474% | 4,398 |
| Cost of funding earning assets | 0.3829% | 3,690 |
| Net interest margin | 2.8645% | 4,172 |
| Noninterest income to average assets | 1.5944% | 487 |
| Noninterest expense to average assets | 2.2956% | 3,409 |
| Loan and lease loss provision to assets | 0.4893% | 523 |
| Net operating income to assets | 0.9762% | 2,372 |
| Return on assets (ROA) | 0.9940% | 2,454 |
| Pretax return on assets | 1.2962% | 1,988 |
| Return on Equity (ROE) | 9.2127% | 2,305 |
| Retained earnings to average equity (ytd only) | 5.6397% | 1,975 |
| Net charge-offs to loans | 0.3032% | 573 |
| Credit loss provision to net charge-offs | 316.0482% | 1,679 |
| Earnings coverage of net charge-offs (x) | 11.3697% | 2,407 |
| Efficiency ratio | 55.7611% | 4,014 |
| Assets per employee ($millions) | 9.9749% | 532 |
| Cash dividends to net income (ytd only)* | 38.7840% | 2,419 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6770% | 1,088 |
| Loan loss allowance to noncurrent loans | 120.1687% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.7507% | 1,368 |
| Noncurrent loans to loans | 1.3955% | 974 |
| Net loans and leases to total assets | 49.0210% | 3,905 |
| Net loans and leases to deposits | 62.6580% | 3,554 |
| Net loans and leases to core deposits | 68.2773% | 3,391 |
| Total domestic deposits to total assets | 78.2357% | 4,293 |
| Equity capital to assets | 10.9272% | 2,321 |
| Core capital (leverage) ratio | 8.0431% | 4,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8854% | 2,677 |
| Memoranda: |
| Average total assets | $45,395,049,200 | 53 |
| Average earning assets | $39,050,704,200 | 54 |
| Average equity | $4,897,764,400 | 53 |
| Average total loans | $23,211,757,000 | 58 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2866% | 4,487 |
| Cost of funding earning assets | 0.4522% | 3,517 |
| Net interest margin | 2.8344% | 4,283 |
| Noninterest income to average assets | 1.6668% | 424 |
| Noninterest expense to average assets | 2.2619% | 3,522 |
| Loan and lease loss provision to assets | 0.6992% | 303 |
| Net operating income to assets | 0.8583% | 2,871 |
| Return on assets (ROA) | 0.8721% | 2,940 |
| Pretax return on assets | 1.1420% | 2,590 |
| Return on Equity (ROE) | 8.1100% | 2,769 |
| Retained earnings to average equity (ytd only) | 5.3623% | 2,399 |
| Net charge-offs to loans | 0.3085% | 510 |
| Credit loss provision to net charge-offs | 440.9872% | 1,382 |
| Earnings coverage of net charge-offs (x) | 11.4873% | 2,300 |
| Efficiency ratio | 54.5623% | 4,092 |
| Assets per employee ($millions) | 9.8223% | 537 |
| Cash dividends to net income (ytd only)* | 33.8806% | 2,189 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7493% | 808 |
| Loan loss allowance to noncurrent loans | 121.3141% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.8197% | 1,408 |
| Noncurrent loans to loans | 1.4420% | 998 |
| Net loans and leases to total assets | 51.4316% | 4,000 |
| Net loans and leases to deposits | 66.9728% | 3,550 |
| Net loans and leases to core deposits | 72.5283% | 3,430 |
| Total domestic deposits to total assets | 76.7947% | 4,348 |
| Equity capital to assets | 10.9645% | 2,423 |
| Core capital (leverage) ratio | 8.1397% | 4,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0667% | 2,589 |
| Memoranda: |
| Average total assets | $45,123,009,000 | 52 |
| Average earning assets | $38,507,463,250 | 54 |
| Average equity | $4,852,371,500 | 52 |
| Average total loans | $23,220,905,250 | 59 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4236% | 4,516 |
| Cost of funding earning assets | 0.5780% | 3,093 |
| Net interest margin | 2.8457% | 4,391 |
| Noninterest income to average assets | 1.6445% | 387 |
| Noninterest expense to average assets | 2.2571% | 3,635 |
| Loan and lease loss provision to assets | 1.0289% | 194 |
| Net operating income to assets | 0.6152% | 3,684 |
| Return on assets (ROA) | 0.6362% | 3,707 |
| Pretax return on assets | 0.8095% | 3,558 |
| Return on Equity (ROE) | 5.9557% | 3,520 |
| Retained earnings to average equity (ytd only) | 3.8699% | 2,975 |
| Net charge-offs to loans | 0.2726% | 583 |
| Credit loss provision to net charge-offs | 735.8754% | 964 |
| Earnings coverage of net charge-offs (x) | 12.9916% | 2,020 |
| Efficiency ratio | 54.6618% | 4,102 |
| Assets per employee ($millions) | 9.5563% | 576 |
| Cash dividends to net income (ytd only)* | 35.0214% | 2,135 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7881% | 673 |
| Loan loss allowance to noncurrent loans | 89.3369% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 1.1347% | 991 |
| Noncurrent loans to loans | 2.0015% | 674 |
| Net loans and leases to total assets | 52.4422% | 4,001 |
| Net loans and leases to deposits | 70.1321% | 3,405 |
| Net loans and leases to core deposits | 76.6347% | 3,238 |
| Total domestic deposits to total assets | 74.7764% | 4,536 |
| Equity capital to assets | 10.7850% | 2,500 |
| Core capital (leverage) ratio | 7.5333% | 4,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5530% | 2,789 |
| Memoranda: |
| Average total assets | $44,883,736,667 | 52 |
| Average earning assets | $38,241,924,000 | 54 |
| Average equity | $4,794,415,333 | 54 |
| Average total loans | $22,962,393,333 | 60 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6834% | 4,425 |
| Cost of funding earning assets | 0.8984% | 1,878 |
| Net interest margin | 2.7850% | 4,582 |
| Noninterest income to average assets | 1.4968% | 396 |
| Noninterest expense to average assets | 2.1382% | 4,141 |
| Loan and lease loss provision to assets | 0.8664% | 271 |
| Net operating income to assets | 0.6664% | 3,380 |
| Return on assets (ROA) | 0.6672% | 3,446 |
| Pretax return on assets | 0.8618% | 3,250 |
| Return on Equity (ROE) | 6.2768% | 3,212 |
| Retained earnings to average equity (ytd only) | 6.2768% | 1,779 |
| Net charge-offs to loans | 0.3094% | 473 |
| Credit loss provision to net charge-offs | 557.2499% | 825 |
| Earnings coverage of net charge-offs (x) | 11.1622% | 1,737 |
| Efficiency ratio | 54.4568% | 4,363 |
| Assets per employee ($millions) | 9.7722% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3922% | 1,729 |
| Loan loss allowance to noncurrent loans | 119.5003% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.6284% | 2,118 |
| Noncurrent loans to loans | 1.1650% | 1,419 |
| Net loans and leases to total assets | 47.5615% | 4,360 |
| Net loans and leases to deposits | 75.8313% | 3,087 |
| Net loans and leases to core deposits | 83.2845% | 2,913 |
| Total domestic deposits to total assets | 62.7201% | 5,008 |
| Equity capital to assets | 10.3502% | 3,471 |
| Core capital (leverage) ratio | 7.9439% | 4,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8054% | 3,155 |
| Memoranda: |
| Average total assets | $44,514,661,000 | 51 |
| Average earning assets | $37,858,852,000 | 52 |
| Average equity | $4,731,472,500 | 54 |
| Average total loans | $22,263,223,000 | 59 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2814% | 3,588 |
| Cost of funding earning assets | 1.1409% | 1,190 |
| Net interest margin | 3.1404% | 4,304 |
| Noninterest income to average assets | 1.3811% | 503 |
| Noninterest expense to average assets | 2.4638% | 3,540 |
| Loan and lease loss provision to assets | 0.1077% | 1,929 |
| Net operating income to assets | 1.2234% | 1,968 |
| Return on assets (ROA) | 1.2350% | 2,013 |
| Pretax return on assets | 1.5594% | 1,616 |
| Return on Equity (ROE) | 11.3614% | 1,740 |
| Retained earnings to average equity (ytd only) | 3.7392% | 3,109 |
| Net charge-offs to loans | 0.1851% | 1,092 |
| Credit loss provision to net charge-offs | 108.0728% | 2,305 |
| Earnings coverage of net charge-offs (x) | 16.5785% | 2,156 |
| Efficiency ratio | 58.8886% | 3,852 |
| Assets per employee ($millions) | 8.7110% | 547 |
| Cash dividends to net income (ytd only)* | 67.0880% | 1,246 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9633% | 3,681 |
| Loan loss allowance to noncurrent loans | 72.4166% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 0.7270% | 1,785 |
| Noncurrent loans to loans | 1.3302% | 1,125 |
| Net loans and leases to total assets | 51.4991% | 4,258 |
| Net loans and leases to deposits | 77.6262% | 3,045 |
| Net loans and leases to core deposits | 84.4774% | 2,909 |
| Total domestic deposits to total assets | 66.3424% | 5,022 |
| Equity capital to assets | 10.9402% | 3,060 |
| Core capital (leverage) ratio | 7.9820% | 5,044 |
| Tier 1 risk-based capital ratio | 10.9005% | 4,888 |
| Total risk-based capital ratio | 11.7866% | 4,931 |
| Memoranda: |
| Average total assets | $41,036,650,800 | 50 |
| Average earning assets | $35,740,147,000 | 52 |
| Average equity | $4,460,707,600 | 56 |
| Average total loans | $22,098,627,600 | 58 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3501% | 3,514 |
| Cost of funding earning assets | 1.1654% | 1,125 |
| Net interest margin | 3.1847% | 4,333 |
| Noninterest income to average assets | 1.3818% | 479 |
| Noninterest expense to average assets | 2.4676% | 3,518 |
| Loan and lease loss provision to assets | 0.0831% | 2,244 |
| Net operating income to assets | 1.2816% | 1,915 |
| Return on assets (ROA) | 1.2859% | 1,989 |
| Pretax return on assets | 1.6150% | 1,585 |
| Return on Equity (ROE) | 11.8496% | 1,670 |
| Retained earnings to average equity (ytd only) | 4.3170% | 3,237 |
| Net charge-offs to loans | 0.1712% | 994 |
| Credit loss provision to net charge-offs | 89.3677% | 2,400 |
| Earnings coverage of net charge-offs (x) | 18.1964% | 2,062 |
| Efficiency ratio | 58.3472% | 3,881 |
| Assets per employee ($millions) | 8.9669% | 487 |
| Cash dividends to net income (ytd only)* | 63.5679% | 1,163 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9074% | 4,008 |
| Loan loss allowance to noncurrent loans | 76.5250% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 0.6563% | 2,048 |
| Noncurrent loans to loans | 1.1858% | 1,323 |
| Net loans and leases to total assets | 51.8775% | 4,324 |
| Net loans and leases to deposits | 84.5269% | 2,380 |
| Net loans and leases to core deposits | 92.0866% | 2,356 |
| Total domestic deposits to total assets | 61.3739% | 5,153 |
| Equity capital to assets | 10.7005% | 3,379 |
| Core capital (leverage) ratio | 8.0343% | 5,113 |
| Tier 1 risk-based capital ratio | 10.6249% | 5,043 |
| Total risk-based capital ratio | 11.4755% | 5,072 |
| Memoranda: |
| Average total assets | $40,777,297,000 | 52 |
| Average earning assets | $35,576,551,000 | 53 |
| Average equity | $4,425,140,250 | 56 |
| Average total loans | $22,153,652,000 | 59 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3839% | 3,377 |
| Cost of funding earning assets | 1.1322% | 1,189 |
| Net interest margin | 3.2517% | 4,237 |
| Noninterest income to average assets | 1.3452% | 486 |
| Noninterest expense to average assets | 2.5342% | 3,373 |
| Loan and lease loss provision to assets | 0.0644% | 2,527 |
| Net operating income to assets | 1.2437% | 1,988 |
| Return on assets (ROA) | 1.2497% | 2,018 |
| Pretax return on assets | 1.5923% | 1,568 |
| Return on Equity (ROE) | 11.4583% | 1,803 |
| Retained earnings to average equity (ytd only) | 5.0441% | 2,750 |
| Net charge-offs to loans | 0.1617% | 987 |
| Credit loss provision to net charge-offs | 72.3582% | 2,301 |
| Earnings coverage of net charge-offs (x) | 18.5303% | 1,858 |
| Efficiency ratio | 59.5974% | 3,785 |
| Assets per employee ($millions) | 8.6461% | 533 |
| Cash dividends to net income (ytd only)* | 55.9785% | 1,539 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9020% | 4,080 |
| Loan loss allowance to noncurrent loans | 72.1452% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 0.6980% | 1,966 |
| Noncurrent loans to loans | 1.2503% | 1,274 |
| Net loans and leases to total assets | 53.2823% | 4,270 |
| Net loans and leases to deposits | 87.2032% | 2,102 |
| Net loans and leases to core deposits | 94.5646% | 2,197 |
| Total domestic deposits to total assets | 61.1012% | 5,202 |
| Equity capital to assets | 10.8543% | 3,222 |
| Core capital (leverage) ratio | 8.4687% | 4,971 |
| Tier 1 risk-based capital ratio | 10.5453% | 5,091 |
| Total risk-based capital ratio | 11.3952% | 5,135 |
| Memoranda: |
| Average total assets | $40,025,755,670 | 52 |
| Average earning assets | $34,933,678,000 | 53 |
| Average equity | $4,365,307,670 | 56 |
| Average total loans | $22,028,767,000 | 58 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4046% | 3,209 |
| Cost of funding earning assets | 1.1166% | 1,136 |
| Net interest margin | 3.2880% | 4,189 |
| Noninterest income to average assets | 1.3230% | 488 |
| Noninterest expense to average assets | 2.6562% | 3,041 |
| Loan and lease loss provision to assets | 0.0814% | 2,072 |
| Net operating income to assets | 1.1390% | 2,315 |
| Return on assets (ROA) | 1.1415% | 2,356 |
| Pretax return on assets | 1.4528% | 1,910 |
| Return on Equity (ROE) | 10.4398% | 2,179 |
| Retained earnings to average equity (ytd only) | 1.0974% | 4,289 |
| Net charge-offs to loans | 0.1849% | 752 |
| Credit loss provision to net charge-offs | 79.0105% | 1,789 |
| Earnings coverage of net charge-offs (x) | 14.8606% | 1,771 |
| Efficiency ratio | 62.4260% | 3,466 |
| Assets per employee ($millions) | 7.9893% | 672 |
| Cash dividends to net income (ytd only)* | 89.4887% | 754 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9387% | 4,005 |
| Loan loss allowance to noncurrent loans | 81.1101% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 0.6640% | 2,108 |
| Noncurrent loans to loans | 1.1574% | 1,442 |
| Net loans and leases to total assets | 54.4731% | 4,176 |
| Net loans and leases to deposits | 84.6868% | 2,301 |
| Net loans and leases to core deposits | 91.7731% | 2,318 |
| Total domestic deposits to total assets | 64.3230% | 5,234 |
| Equity capital to assets | 10.8762% | 2,976 |
| Core capital (leverage) ratio | 8.3220% | 5,096 |
| Tier 1 risk-based capital ratio | 10.3419% | 5,212 |
| Total risk-based capital ratio | 11.2118% | 5,247 |
| Memoranda: |
| Average total assets | $39,158,271,000 | 53 |
| Average earning assets | $34,111,025,000 | 54 |
| Average equity | $4,281,543,500 | 56 |
| Average total loans | $21,816,356,500 | 59 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0017% | 4,022 |
| Cost of funding earning assets | 0.7905% | 1,574 |
| Net interest margin | 3.2112% | 4,464 |
| Noninterest income to average assets | 1.5445% | 389 |
| Noninterest expense to average assets | 2.6496% | 3,180 |
| Loan and lease loss provision to assets | 0.0299% | 3,587 |
| Net operating income to assets | 1.3468% | 1,625 |
| Return on assets (ROA) | 1.3443% | 1,626 |
| Pretax return on assets | 1.7149% | 1,130 |
| Return on Equity (ROE) | 13.8200% | 1,087 |
| Retained earnings to average equity (ytd only) | 0.6750% | 4,814 |
| Net charge-offs to loans | 0.1835% | 1,050 |
| Credit loss provision to net charge-offs | 29.9798% | 3,348 |
| Earnings coverage of net charge-offs (x) | 17.5147% | 2,191 |
| Efficiency ratio | 60.0303% | 3,856 |
| Assets per employee ($millions) | 7.3946% | 833 |
| Cash dividends to net income (ytd only)* | 95.1160% | 344 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1009% | 3,093 |
| Loan loss allowance to noncurrent loans | 80.8257% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 0.7854% | 1,780 |
| Noncurrent loans to loans | 1.3620% | 1,146 |
| Net loans and leases to total assets | 54.6480% | 4,236 |
| Net loans and leases to deposits | 84.0435% | 2,508 |
| Net loans and leases to core deposits | 91.1558% | 2,482 |
| Total domestic deposits to total assets | 65.0235% | 5,260 |
| Equity capital to assets | 9.5209% | 4,113 |
| Core capital (leverage) ratio | 8.5559% | 4,988 |
| Tier 1 risk-based capital ratio | 10.4983% | 5,179 |
| Total risk-based capital ratio | 11.2573% | 5,255 |
| Memoranda: |
| Average total assets | $33,237,416,800 | 58 |
| Average earning assets | $29,530,363,200 | 58 |
| Average equity | $3,233,172,600 | 71 |
| Average total loans | $18,072,062,000 | 67 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9172% | 4,171 |
| Cost of funding earning assets | 0.7169% | 1,761 |
| Net interest margin | 3.2003% | 4,513 |
| Noninterest income to average assets | 1.6204% | 373 |
| Noninterest expense to average assets | 2.6568% | 3,105 |
| Loan and lease loss provision to assets | 0.0029% | 3,910 |
| Net operating income to assets | 1.3937% | 1,512 |
| Return on assets (ROA) | 1.3893% | 1,527 |
| Pretax return on assets | 1.7986% | 1,017 |
| Return on Equity (ROE) | 14.2046% | 1,063 |
| Retained earnings to average equity (ytd only) | -1.2763% | 5,151 |
| Net charge-offs to loans | 0.1553% | 1,062 |
| Credit loss provision to net charge-offs | 3.4051% | 3,076 |
| Earnings coverage of net charge-offs (x) | 21.4907% | 1,920 |
| Efficiency ratio | 59.3042% | 3,920 |
| Assets per employee ($millions) | 7.1421% | 885 |
| Cash dividends to net income (ytd only)* | 108.9850% | 198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1395% | 2,967 |
| Loan loss allowance to noncurrent loans | 84.2977% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 0.7998% | 1,846 |
| Noncurrent loans to loans | 1.3517% | 1,231 |
| Net loans and leases to total assets | 55.5213% | 4,254 |
| Net loans and leases to deposits | 83.4391% | 2,662 |
| Net loans and leases to core deposits | 90.5902% | 2,608 |
| Total domestic deposits to total assets | 66.5411% | 5,316 |
| Equity capital to assets | 9.4424% | 4,139 |
| Core capital (leverage) ratio | 8.5480% | 5,070 |
| Tier 1 risk-based capital ratio | 10.4916% | 5,240 |
| Total risk-based capital ratio | 11.2763% | 5,322 |
| Memoranda: |
| Average total assets | $33,020,765,500 | 58 |
| Average earning assets | $29,336,591,250 | 58 |
| Average equity | $3,229,712,500 | 71 |
| Average total loans | $17,878,922,750 | 69 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8038% | 4,342 |
| Cost of funding earning assets | 0.6623% | 1,856 |
| Net interest margin | 3.1415% | 4,640 |
| Noninterest income to average assets | 1.5482% | 403 |
| Noninterest expense to average assets | 2.6020% | 3,319 |
| Loan and lease loss provision to assets | -0.0224% | 5,330 |
| Net operating income to assets | 1.3656% | 1,550 |
| Return on assets (ROA) | 1.3590% | 1,577 |
| Pretax return on assets | 1.7544% | 1,084 |
| Return on Equity (ROE) | 13.7365% | 1,147 |
| Retained earnings to average equity (ytd only) | 6.0928% | 2,498 |
| Net charge-offs to loans | 0.1340% | 1,120 |
| Credit loss provision to net charge-offs | -31.2389% | 3,978 |
| Earnings coverage of net charge-offs (x) | 24.2956% | 1,684 |
| Efficiency ratio | 59.7025% | 3,973 |
| Assets per employee ($millions) | 7.2486% | 846 |
| Cash dividends to net income (ytd only)* | 55.6456% | 1,479 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1832% | 2,821 |
| Loan loss allowance to noncurrent loans | 82.0307% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.8251% | 1,813 |
| Noncurrent loans to loans | 1.4423% | 1,172 |
| Net loans and leases to total assets | 53.2637% | 4,396 |
| Net loans and leases to deposits | 79.9787% | 2,956 |
| Net loans and leases to core deposits | 86.5265% | 2,876 |
| Total domestic deposits to total assets | 66.5974% | 5,373 |
| Equity capital to assets | 9.6654% | 3,949 |
| Core capital (leverage) ratio | 8.8615% | 4,829 |
| Tier 1 risk-based capital ratio | 11.1144% | 4,992 |
| Total risk-based capital ratio | 11.9291% | 5,095 |
| Memoranda: |
| Average total assets | $33,059,740,330 | 57 |
| Average earning assets | $29,404,605,000 | 56 |
| Average equity | $3,270,640,670 | 67 |
| Average total loans | $17,678,828,330 | 69 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6239% | 4,653 |
| Cost of funding earning assets | 0.5984% | 2,067 |
| Net interest margin | 3.0254% | 4,843 |
| Noninterest income to average assets | 1.5556% | 402 |
| Noninterest expense to average assets | 2.5988% | 3,335 |
| Loan and lease loss provision to assets | -0.0660% | 5,478 |
| Net operating income to assets | 1.3330% | 1,531 |
| Return on assets (ROA) | 1.3312% | 1,549 |
| Pretax return on assets | 1.7247% | 1,055 |
| Return on Equity (ROE) | 13.2982% | 1,182 |
| Retained earnings to average equity (ytd only) | 13.2982% | 478 |
| Net charge-offs to loans | 0.0302% | 1,890 |
| Credit loss provision to net charge-offs | -411.0350% | 3,958 |
| Earnings coverage of net charge-offs (x) | 103.4011% | 600 |
| Efficiency ratio | 60.7830% | 3,973 |
| Assets per employee ($millions) | 7.1563% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2784% | 2,346 |
| Loan loss allowance to noncurrent loans | 78.1789% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 0.8968% | 1,772 |
| Noncurrent loans to loans | 1.6352% | 1,060 |
| Net loans and leases to total assets | 52.0535% | 4,432 |
| Net loans and leases to deposits | 77.1273% | 3,102 |
| Net loans and leases to core deposits | 88.9409% | 2,550 |
| Total domestic deposits to total assets | 67.4904% | 5,431 |
| Equity capital to assets | 9.9179% | 3,679 |
| Core capital (leverage) ratio | 8.9502% | 4,735 |
| Tier 1 risk-based capital ratio | 11.5347% | 4,842 |
| Total risk-based capital ratio | 12.4182% | 4,941 |
| Memoranda: |
| Average total assets | $32,722,015,000 | 58 |
| Average earning assets | $29,247,093,000 | 58 |
| Average equity | $3,275,638,000 | 67 |
| Average total loans | $17,426,368,500 | 70 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3411% | 5,028 |
| Cost of funding earning assets | 0.4257% | 2,997 |
| Net interest margin | 2.9155% | 5,020 |
| Noninterest income to average assets | 1.7204% | 372 |
| Noninterest expense to average assets | 2.7359% | 3,015 |
| Loan and lease loss provision to assets | 0.0016% | 4,210 |
| Net operating income to assets | 1.0063% | 2,215 |
| Return on assets (ROA) | 1.0146% | 2,214 |
| Pretax return on assets | 1.5787% | 1,351 |
| Return on Equity (ROE) | 10.3827% | 1,728 |
| Retained earnings to average equity (ytd only) | 5.6854% | 1,717 |
| Net charge-offs to loans | 0.0921% | 2,160 |
| Credit loss provision to net charge-offs | 3.1903% | 3,697 |
| Earnings coverage of net charge-offs (x) | 32.0342% | 1,480 |
| Efficiency ratio | 63.3478% | 3,708 |
| Assets per employee ($millions) | 6.8738% | 1,029 |
| Cash dividends to net income (ytd only)* | 45.2418% | 2,571 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3309% | 2,071 |
| Loan loss allowance to noncurrent loans | 71.7081% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 1.0318% | 1,485 |
| Noncurrent loans to loans | 1.8560% | 854 |
| Net loans and leases to total assets | 53.0846% | 4,434 |
| Net loans and leases to deposits | 76.6290% | 3,269 |
| Net loans and leases to core deposits | 87.3280% | 2,784 |
| Total domestic deposits to total assets | 69.2747% | 5,435 |
| Equity capital to assets | 10.1060% | 3,592 |
| Core capital (leverage) ratio | 8.7304% | 4,923 |
| Tier 1 risk-based capital ratio | 11.3401% | 4,956 |
| Total risk-based capital ratio | 12.2662% | 5,019 |
| Memoranda: |
| Average total assets | $32,677,603,400 | 54 |
| Average earning assets | $28,946,261,800 | 54 |
| Average equity | $3,193,327,200 | 64 |
| Average total loans | $17,365,709,800 | 65 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2740% | 5,145 |
| Cost of funding earning assets | 0.3963% | 3,237 |
| Net interest margin | 2.8777% | 5,117 |
| Noninterest income to average assets | 1.7135% | 390 |
| Noninterest expense to average assets | 2.6849% | 3,109 |
| Loan and lease loss provision to assets | 0.0238% | 3,671 |
| Net operating income to assets | 1.0378% | 2,381 |
| Return on assets (ROA) | 1.0512% | 2,365 |
| Pretax return on assets | 1.5692% | 1,518 |
| Return on Equity (ROE) | 10.8482% | 1,758 |
| Retained earnings to average equity (ytd only) | 7.7013% | 1,342 |
| Net charge-offs to loans | 0.0330% | 2,773 |
| Credit loss provision to net charge-offs | 135.9153% | 1,815 |
| Earnings coverage of net charge-offs (x) | 89.9920% | 744 |
| Efficiency ratio | 62.8226% | 3,749 |
| Assets per employee ($millions) | 7.1432% | 896 |
| Cash dividends to net income (ytd only)* | 29.0083% | 2,789 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4204% | 1,806 |
| Loan loss allowance to noncurrent loans | 71.0749% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 1.0914% | 1,527 |
| Noncurrent loans to loans | 1.9985% | 853 |
| Net loans and leases to total assets | 51.9348% | 4,570 |
| Net loans and leases to deposits | 77.9473% | 3,169 |
| Net loans and leases to core deposits | 89.3341% | 2,667 |
| Total domestic deposits to total assets | 66.6281% | 5,572 |
| Equity capital to assets | 9.9326% | 3,988 |
| Core capital (leverage) ratio | 8.8460% | 4,927 |
| Tier 1 risk-based capital ratio | 11.3582% | 5,044 |
| Total risk-based capital ratio | 12.3623% | 5,071 |
| Memoranda: |
| Average total assets | $32,792,637,750 | 54 |
| Average earning assets | $28,993,994,000 | 54 |
| Average equity | $3,177,681,000 | 63 |
| Average total loans | $17,373,842,500 | 65 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1641% | 5,287 |
| Cost of funding earning assets | 0.3542% | 3,538 |
| Net interest margin | 2.8098% | 5,228 |
| Noninterest income to average assets | 1.7205% | 393 |
| Noninterest expense to average assets | 2.6250% | 3,355 |
| Loan and lease loss provision to assets | 0.0294% | 3,408 |
| Net operating income to assets | 1.0406% | 2,248 |
| Return on assets (ROA) | 1.0506% | 2,246 |
| Pretax return on assets | 1.5645% | 1,446 |
| Return on Equity (ROE) | 10.9341% | 1,669 |
| Retained earnings to average equity (ytd only) | 6.1585% | 2,031 |
| Net charge-offs to loans | 0.0105% | 3,087 |
| Credit loss provision to net charge-offs | 528.3205% | 635 |
| Earnings coverage of net charge-offs (x) | 283.3106% | 301 |
| Efficiency ratio | 62.2010% | 3,958 |
| Assets per employee ($millions) | 6.9058% | 970 |
| Cash dividends to net income (ytd only)* | 43.6763% | 2,152 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4350% | 1,795 |
| Loan loss allowance to noncurrent loans | 69.3331% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 1.1623% | 1,473 |
| Noncurrent loans to loans | 2.0697% | 804 |
| Net loans and leases to total assets | 53.1444% | 4,474 |
| Net loans and leases to deposits | 76.1700% | 3,322 |
| Net loans and leases to core deposits | 86.3775% | 2,844 |
| Total domestic deposits to total assets | 69.7708% | 5,543 |
| Equity capital to assets | 9.8814% | 4,046 |
| Core capital (leverage) ratio | 8.7157% | 5,036 |
| Tier 1 risk-based capital ratio | 11.1043% | 5,199 |
| Total risk-based capital ratio | 12.1343% | 5,228 |
| Memoranda: |
| Average total assets | $32,689,678,670 | 54 |
| Average earning assets | $28,893,210,670 | 54 |
| Average equity | $3,140,960,670 | 62 |
| Average total loans | $17,352,150,670 | 65 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0808% | 5,385 |
| Cost of funding earning assets | 0.3200% | 3,854 |
| Net interest margin | 2.7608% | 5,317 |
| Noninterest income to average assets | 1.6193% | 425 |
| Noninterest expense to average assets | 2.5599% | 3,626 |
| Loan and lease loss provision to assets | 0.0219% | 3,293 |
| Net operating income to assets | 1.0191% | 2,227 |
| Return on assets (ROA) | 1.0365% | 2,188 |
| Pretax return on assets | 1.4893% | 1,572 |
| Return on Equity (ROE) | 10.9406% | 1,591 |
| Retained earnings to average equity (ytd only) | 10.9406% | 619 |
| Net charge-offs to loans | -0.0173% | 4,663 |
| Credit loss provision to net charge-offs | -241.4993% | 4,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0193% | 3,988 |
| Assets per employee ($millions) | 7.0277% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4461% | 1,877 |
| Loan loss allowance to noncurrent loans | 76.2241% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 1.0461% | 1,728 |
| Noncurrent loans to loans | 1.8972% | 955 |
| Net loans and leases to total assets | 51.6130% | 4,547 |
| Net loans and leases to deposits | 74.4698% | 3,356 |
| Net loans and leases to core deposits | 84.2915% | 2,869 |
| Total domestic deposits to total assets | 69.3073% | 5,646 |
| Equity capital to assets | 9.6277% | 4,154 |
| Core capital (leverage) ratio | 8.4941% | 5,230 |
| Tier 1 risk-based capital ratio | 11.1260% | 5,247 |
| Total risk-based capital ratio | 12.1727% | 5,272 |
| Memoranda: |
| Average total assets | $32,875,046,500 | 54 |
| Average earning assets | $28,898,795,000 | 54 |
| Average equity | $3,114,666,000 | 62 |
| Average total loans | $17,315,333,500 | 65 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9219% | 5,559 |
| Cost of funding earning assets | 0.2770% | 4,287 |
| Net interest margin | 2.6449% | 5,479 |
| Noninterest income to average assets | 1.6388% | 451 |
| Noninterest expense to average assets | 2.7885% | 3,064 |
| Loan and lease loss provision to assets | 0.1743% | 1,382 |
| Net operating income to assets | 0.7025% | 3,770 |
| Return on assets (ROA) | 0.7259% | 3,773 |
| Pretax return on assets | 1.0561% | 3,275 |
| Return on Equity (ROE) | 7.9562% | 2,961 |
| Retained earnings to average equity (ytd only) | 7.4396% | 1,060 |
| Net charge-offs to loans | 0.2095% | 1,329 |
| Credit loss provision to net charge-offs | 159.2369% | 1,732 |
| Earnings coverage of net charge-offs (x) | 10.9303% | 2,585 |
| Efficiency ratio | 69.7975% | 2,938 |
| Assets per employee ($millions) | 7.1041% | 875 |
| Cash dividends to net income (ytd only)* | 6.4930% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4525% | 1,863 |
| Loan loss allowance to noncurrent loans | 71.0068% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 1.1311% | 1,635 |
| Noncurrent loans to loans | 2.0456% | 876 |
| Net loans and leases to total assets | 51.9309% | 4,615 |
| Net loans and leases to deposits | 74.8091% | 3,439 |
| Net loans and leases to core deposits | 84.0535% | 3,020 |
| Total domestic deposits to total assets | 69.4179% | 5,686 |
| Equity capital to assets | 9.1509% | 4,648 |
| Core capital (leverage) ratio | 8.1146% | 5,553 |
| Tier 1 risk-based capital ratio | 10.6461% | 5,509 |
| Total risk-based capital ratio | 11.6967% | 5,539 |
| Memoranda: |
| Average total assets | $31,826,081,000 | 54 |
| Average earning assets | $28,228,102,600 | 53 |
| Average equity | $2,903,639,200 | 64 |
| Average total loans | $16,629,198,200 | 62 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8831% | 5,662 |
| Cost of funding earning assets | 0.2765% | 4,325 |
| Net interest margin | 2.6066% | 5,582 |
| Noninterest income to average assets | 1.7608% | 414 |
| Noninterest expense to average assets | 2.8068% | 2,982 |
| Loan and lease loss provision to assets | 0.2334% | 842 |
| Net operating income to assets | 0.7158% | 3,760 |
| Return on assets (ROA) | 0.7477% | 3,746 |
| Pretax return on assets | 1.0893% | 3,276 |
| Return on Equity (ROE) | 8.2014% | 2,908 |
| Retained earnings to average equity (ytd only) | 8.2014% | 1,090 |
| Net charge-offs to loans | 0.2900% | 788 |
| Credit loss provision to net charge-offs | 154.3952% | 1,739 |
| Earnings coverage of net charge-offs (x) | 8.4435% | 2,767 |
| Efficiency ratio | 68.5577% | 3,128 |
| Assets per employee ($millions) | 7.0759% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4528% | 1,965 |
| Loan loss allowance to noncurrent loans | 71.2113% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.1083% | 1,832 |
| Noncurrent loans to loans | 2.0401% | 956 |
| Net loans and leases to total assets | 50.8925% | 4,748 |
| Net loans and leases to deposits | 77.4217% | 3,254 |
| Net loans and leases to core deposits | 85.5932% | 2,981 |
| Total domestic deposits to total assets | 65.7342% | 5,825 |
| Equity capital to assets | 9.2049% | 4,967 |
| Core capital (leverage) ratio | 8.0038% | 5,689 |
| Tier 1 risk-based capital ratio | 10.6487% | 5,547 |
| Total risk-based capital ratio | 11.7130% | 5,561 |
| Memoranda: |
| Average total assets | $31,742,513,250 | 55 |
| Average earning assets | $28,283,349,000 | 54 |
| Average equity | $2,893,809,000 | 65 |
| Average total loans | $16,549,668,750 | 64 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8658% | 5,762 |
| Cost of funding earning assets | 0.2783% | 4,371 |
| Net interest margin | 2.5875% | 5,680 |
| Noninterest income to average assets | 1.7164% | 432 |
| Noninterest expense to average assets | 2.7891% | 3,061 |
| Loan and lease loss provision to assets | 0.3033% | 588 |
| Net operating income to assets | 0.6342% | 4,123 |
| Return on assets (ROA) | 0.6726% | 4,082 |
| Pretax return on assets | 0.9952% | 3,603 |
| Return on Equity (ROE) | 7.4032% | 3,313 |
| Retained earnings to average equity (ytd only) | 7.4032% | 1,430 |
| Net charge-offs to loans | 0.3641% | 638 |
| Credit loss provision to net charge-offs | 159.2529% | 1,530 |
| Earnings coverage of net charge-offs (x) | 6.5216% | 2,725 |
| Efficiency ratio | 69.0035% | 3,148 |
| Assets per employee ($millions) | 6.8868% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4481% | 2,073 |
| Loan loss allowance to noncurrent loans | 68.7489% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 1.1865% | 1,754 |
| Noncurrent loans to loans | 2.1063% | 925 |
| Net loans and leases to total assets | 52.0332% | 4,671 |
| Net loans and leases to deposits | 78.1109% | 3,146 |
| Net loans and leases to core deposits | 85.7526% | 2,927 |
| Total domestic deposits to total assets | 66.6145% | 5,875 |
| Equity capital to assets | 9.2900% | 4,982 |
| Core capital (leverage) ratio | 7.9288% | 5,765 |
| Tier 1 risk-based capital ratio | 10.4148% | 5,711 |
| Total risk-based capital ratio | 11.4709% | 5,713 |
| Memoranda: |
| Average total assets | $31,433,554,000 | 55 |
| Average earning assets | $28,119,446,330 | 54 |
| Average equity | $2,856,018,000 | 66 |
| Average total loans | $16,442,431,670 | 64 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8687% | 5,811 |
| Cost of funding earning assets | 0.2766% | 4,426 |
| Net interest margin | 2.5921% | 5,727 |
| Noninterest income to average assets | 1.5922% | 463 |
| Noninterest expense to average assets | 2.7647% | 3,201 |
| Loan and lease loss provision to assets | 0.3854% | 370 |
| Net operating income to assets | 0.5051% | 4,613 |
| Return on assets (ROA) | 0.5386% | 4,577 |
| Pretax return on assets | 0.8213% | 4,131 |
| Return on Equity (ROE) | 5.9969% | 3,991 |
| Retained earnings to average equity (ytd only) | 5.9969% | 2,374 |
| Net charge-offs to loans | 0.5527% | 397 |
| Credit loss provision to net charge-offs | 133.9623% | 1,345 |
| Earnings coverage of net charge-offs (x) | 4.0178% | 2,474 |
| Efficiency ratio | 70.3230% | 3,060 |
| Assets per employee ($millions) | 6.8595% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4292% | 2,296 |
| Loan loss allowance to noncurrent loans | 65.2979% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 1.2388% | 1,756 |
| Noncurrent loans to loans | 2.1887% | 939 |
| Net loans and leases to total assets | 51.5233% | 4,675 |
| Net loans and leases to deposits | 77.6237% | 3,042 |
| Net loans and leases to core deposits | 83.1017% | 3,029 |
| Total domestic deposits to total assets | 66.3757% | 5,961 |
| Equity capital to assets | 9.1809% | 5,007 |
| Core capital (leverage) ratio | 7.8335% | 5,838 |
| Tier 1 risk-based capital ratio | 10.3230% | 5,817 |
| Total risk-based capital ratio | 11.5363% | 5,762 |
| Memoranda: |
| Average total assets | $31,241,824,000 | 55 |
| Average earning assets | $28,065,626,500 | 54 |
| Average equity | $2,806,120,500 | 67 |
| Average total loans | $16,264,314,500 | 64 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7970% | 5,882 |
| Cost of funding earning assets | 0.2354% | 4,945 |
| Net interest margin | 2.5616% | 5,787 |
| Noninterest income to average assets | 1.7690% | 426 |
| Noninterest expense to average assets | 2.6115% | 3,884 |
| Loan and lease loss provision to assets | 0.1107% | 2,145 |
| Net operating income to assets | 0.9178% | 2,769 |
| Return on assets (ROA) | 0.9384% | 2,748 |
| Pretax return on assets | 1.3898% | 1,942 |
| Return on Equity (ROE) | 10.3006% | 1,881 |
| Retained earnings to average equity (ytd only) | 4.8610% | 2,521 |
| Net charge-offs to loans | -0.0191% | 5,258 |
| Credit loss provision to net charge-offs | -1,136.6226% | 5,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8033% | 4,313 |
| Assets per employee ($millions) | 6.9173% | 917 |
| Cash dividends to net income (ytd only)* | 52.8085% | 2,147 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3909% | 2,472 |
| Loan loss allowance to noncurrent loans | 86.9621% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 0.9263% | 2,352 |
| Noncurrent loans to loans | 1.5994% | 1,435 |
| Net loans and leases to total assets | 51.1278% | 4,764 |
| Net loans and leases to deposits | 74.7100% | 3,408 |
| Net loans and leases to core deposits | 79.6716% | 3,383 |
| Total domestic deposits to total assets | 68.4351% | 5,959 |
| Equity capital to assets | 8.7834% | 5,324 |
| Core capital (leverage) ratio | 7.8140% | 5,907 |
| Tier 1 risk-based capital ratio | 10.2586% | 5,878 |
| Total risk-based capital ratio | 11.4311% | 5,827 |
| Memoranda: |
| Average total assets | $30,268,887,600 | 54 |
| Average earning assets | $27,314,924,600 | 53 |
| Average equity | $2,757,558,000 | 66 |
| Average total loans | $15,428,202,400 | 64 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7937% | 5,962 |
| Cost of funding earning assets | 0.2393% | 4,998 |
| Net interest margin | 2.5543% | 5,877 |
| Noninterest income to average assets | 1.7917% | 418 |
| Noninterest expense to average assets | 2.6071% | 3,852 |
| Loan and lease loss provision to assets | 0.0406% | 3,400 |
| Net operating income to assets | 0.9742% | 2,601 |
| Return on assets (ROA) | 1.0023% | 2,553 |
| Pretax return on assets | 1.4929% | 1,696 |
| Return on Equity (ROE) | 10.9001% | 1,743 |
| Retained earnings to average equity (ytd only) | 10.9001% | 489 |
| Net charge-offs to loans | -0.0519% | 5,561 |
| Credit loss provision to net charge-offs | -153.9629% | 5,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4229% | 4,346 |
| Assets per employee ($millions) | 6.7069% | 980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3007% | 3,087 |
| Loan loss allowance to noncurrent loans | 92.8978% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.8318% | 2,793 |
| Noncurrent loans to loans | 1.4002% | 1,818 |
| Net loans and leases to total assets | 51.0238% | 4,857 |
| Net loans and leases to deposits | 73.9293% | 3,553 |
| Net loans and leases to core deposits | 79.0897% | 3,501 |
| Total domestic deposits to total assets | 69.0170% | 6,007 |
| Equity capital to assets | 9.5482% | 4,693 |
| Core capital (leverage) ratio | 8.1832% | 5,788 |
| Tier 1 risk-based capital ratio | 10.9642% | 5,671 |
| Total risk-based capital ratio | 12.0866% | 5,668 |
| Memoranda: |
| Average total assets | $30,017,886,000 | 52 |
| Average earning assets | $27,102,593,000 | 53 |
| Average equity | $2,760,245,000 | 66 |
| Average total loans | $15,231,583,500 | 65 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7714% | 6,043 |
| Cost of funding earning assets | 0.2467% | 4,975 |
| Net interest margin | 2.5247% | 5,941 |
| Noninterest income to average assets | 1.8312% | 417 |
| Noninterest expense to average assets | 2.5965% | 3,918 |
| Loan and lease loss provision to assets | 0.0291% | 3,547 |
| Net operating income to assets | 0.9872% | 2,455 |
| Return on assets (ROA) | 1.0200% | 2,401 |
| Pretax return on assets | 1.5409% | 1,524 |
| Return on Equity (ROE) | 11.2385% | 1,603 |
| Retained earnings to average equity (ytd only) | 11.2385% | 476 |
| Net charge-offs to loans | -0.1019% | 5,800 |
| Credit loss provision to net charge-offs | -56.5925% | 4,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8848% | 4,537 |
| Assets per employee ($millions) | 6.7302% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2899% | 3,299 |
| Loan loss allowance to noncurrent loans | 93.5602% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 0.8140% | 2,941 |
| Noncurrent loans to loans | 1.3787% | 1,964 |
| Net loans and leases to total assets | 50.2615% | 4,907 |
| Net loans and leases to deposits | 71.5644% | 3,756 |
| Net loans and leases to core deposits | 76.8186% | 3,688 |
| Total domestic deposits to total assets | 70.2324% | 6,028 |
| Equity capital to assets | 9.1071% | 5,143 |
| Core capital (leverage) ratio | 8.0107% | 5,925 |
| Tier 1 risk-based capital ratio | 10.7077% | 5,840 |
| Total risk-based capital ratio | 11.8126% | 5,843 |
| Memoranda: |
| Average total assets | $29,905,395,000 | 51 |
| Average earning assets | $27,065,775,000 | 53 |
| Average equity | $2,714,194,000 | 68 |
| Average total loans | $15,077,922,670 | 64 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7454% | 6,105 |
| Cost of funding earning assets | 0.2551% | 4,964 |
| Net interest margin | 2.4903% | 6,026 |
| Noninterest income to average assets | 1.8045% | 417 |
| Noninterest expense to average assets | 2.6058% | 3,900 |
| Loan and lease loss provision to assets | 0.0037% | 3,661 |
| Net operating income to assets | 0.9596% | 2,449 |
| Return on assets (ROA) | 0.9968% | 2,413 |
| Pretax return on assets | 1.5092% | 1,539 |
| Return on Equity (ROE) | 11.0023% | 1,634 |
| Retained earnings to average equity (ytd only) | 11.0023% | 720 |
| Net charge-offs to loans | -0.2254% | 6,084 |
| Credit loss provision to net charge-offs | -3.3038% | 4,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9498% | 4,493 |
| Assets per employee ($millions) | 6.7806% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3037% | 3,381 |
| Loan loss allowance to noncurrent loans | 91.1903% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 0.8660% | 2,913 |
| Noncurrent loans to loans | 1.4297% | 2,002 |
| Net loans and leases to total assets | 49.6420% | 4,889 |
| Net loans and leases to deposits | 69.1945% | 3,840 |
| Net loans and leases to core deposits | 74.1999% | 3,765 |
| Total domestic deposits to total assets | 71.7426% | 6,046 |
| Equity capital to assets | 9.1026% | 5,191 |
| Core capital (leverage) ratio | 7.8644% | 6,005 |
| Tier 1 risk-based capital ratio | 10.5676% | 5,995 |
| Total risk-based capital ratio | 11.8895% | 5,891 |
| Memoranda: |
| Average total assets | $29,550,187,000 | 51 |
| Average earning assets | $26,788,940,500 | 53 |
| Average equity | $2,677,178,000 | 66 |
| Average total loans | $14,822,365,000 | 66 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8974% | 6,142 |
| Cost of funding earning assets | 0.2703% | 5,100 |
| Net interest margin | 2.6270% | 6,035 |
| Noninterest income to average assets | 1.8337% | 393 |
| Noninterest expense to average assets | 2.6944% | 3,880 |
| Loan and lease loss provision to assets | -0.0077% | 5,909 |
| Net operating income to assets | 1.0365% | 2,231 |
| Return on assets (ROA) | 1.0381% | 2,302 |
| Pretax return on assets | 1.5225% | 1,463 |
| Return on Equity (ROE) | 11.6833% | 1,498 |
| Retained earnings to average equity (ytd only) | 8.6559% | 783 |
| Net charge-offs to loans | -0.0424% | 5,877 |
| Credit loss provision to net charge-offs | 36.9183% | 3,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8838% | 4,604 |
| Assets per employee ($millions) | 6.4614% | 1,073 |
| Cash dividends to net income (ytd only)* | 25.9126% | 3,569 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3055% | 3,394 |
| Loan loss allowance to noncurrent loans | 81.1800% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 1.1520% | 2,461 |
| Noncurrent loans to loans | 1.6081% | 1,823 |
| Net loans and leases to total assets | 49.3636% | 5,031 |
| Net loans and leases to deposits | 65.8738% | 4,344 |
| Net loans and leases to core deposits | 70.4745% | 4,283 |
| Total domestic deposits to total assets | 74.9366% | 5,866 |
| Equity capital to assets | 9.0152% | 5,269 |
| Core capital (leverage) ratio | 7.6491% | 6,151 |
| Tier 1 risk-based capital ratio | 10.2360% | 6,196 |
| Total risk-based capital ratio | 11.5622% | 6,116 |
| Memoranda: |
| Average total assets | $27,880,752,600 | 50 |
| Average earning assets | $25,181,085,600 | 50 |
| Average equity | $2,477,339,600 | 65 |
| Average total loans | $13,691,717,200 | 63 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9101% | 6,197 |
| Cost of funding earning assets | 0.2716% | 5,187 |
| Net interest margin | 2.6385% | 6,088 |
| Noninterest income to average assets | 1.8391% | 395 |
| Noninterest expense to average assets | 2.6373% | 4,067 |
| Loan and lease loss provision to assets | -0.0103% | 6,092 |
| Net operating income to assets | 1.0839% | 2,096 |
| Return on assets (ROA) | 1.0875% | 2,155 |
| Pretax return on assets | 1.5982% | 1,328 |
| Return on Equity (ROE) | 12.2855% | 1,403 |
| Retained earnings to average equity (ytd only) | 12.2855% | 393 |
| Net charge-offs to loans | -0.0493% | 5,901 |
| Credit loss provision to net charge-offs | 42.9259% | 3,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3402% | 4,839 |
| Assets per employee ($millions) | 6.5640% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3423% | 3,438 |
| Loan loss allowance to noncurrent loans | 82.0468% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 1.1291% | 2,697 |
| Noncurrent loans to loans | 1.6360% | 1,992 |
| Net loans and leases to total assets | 47.9058% | 5,214 |
| Net loans and leases to deposits | 66.6986% | 4,262 |
| Net loans and leases to core deposits | 71.5591% | 4,200 |
| Total domestic deposits to total assets | 71.8243% | 6,180 |
| Equity capital to assets | 8.9443% | 5,411 |
| Core capital (leverage) ratio | 7.9490% | 6,104 |
| Tier 1 risk-based capital ratio | 10.6782% | 6,143 |
| Total risk-based capital ratio | 12.0531% | 6,037 |
| Memoranda: |
| Average total assets | $27,612,524,750 | 51 |
| Average earning assets | $24,913,964,000 | 51 |
| Average equity | $2,444,119,000 | 66 |
| Average total loans | $13,494,239,250 | 65 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9371% | 6,231 |
| Cost of funding earning assets | 0.2732% | 5,253 |
| Net interest margin | 2.6639% | 6,093 |
| Noninterest income to average assets | 1.8303% | 402 |
| Noninterest expense to average assets | 2.5947% | 4,258 |
| Loan and lease loss provision to assets | -0.0163% | 6,244 |
| Net operating income to assets | 1.1058% | 1,921 |
| Return on assets (ROA) | 1.1104% | 1,971 |
| Pretax return on assets | 1.6637% | 1,105 |
| Return on Equity (ROE) | 12.5912% | 1,285 |
| Retained earnings to average equity (ytd only) | 12.5912% | 370 |
| Net charge-offs to loans | -0.0678% | 6,004 |
| Credit loss provision to net charge-offs | 49.1803% | 2,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1339% | 5,127 |
| Assets per employee ($millions) | 6.3030% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3679% | 3,497 |
| Loan loss allowance to noncurrent loans | 80.6225% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 1.2012% | 2,686 |
| Noncurrent loans to loans | 1.6967% | 2,044 |
| Net loans and leases to total assets | 49.0097% | 5,073 |
| Net loans and leases to deposits | 64.0861% | 4,484 |
| Net loans and leases to core deposits | 71.1271% | 4,136 |
| Total domestic deposits to total assets | 73.6708% | 6,139 |
| Equity capital to assets | 9.1586% | 5,147 |
| Core capital (leverage) ratio | 7.8372% | 6,188 |
| Tier 1 risk-based capital ratio | 10.4529% | 6,265 |
| Total risk-based capital ratio | 12.1941% | 6,016 |
| Memoranda: |
| Average total assets | $27,189,537,000 | 53 |
| Average earning assets | $24,542,191,000 | 52 |
| Average equity | $2,397,742,670 | 67 |
| Average total loans | $13,317,599,670 | 65 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9249% | 6,305 |
| Cost of funding earning assets | 0.2747% | 5,339 |
| Net interest margin | 2.6501% | 6,174 |
| Noninterest income to average assets | 1.6901% | 437 |
| Noninterest expense to average assets | 2.3827% | 4,979 |
| Loan and lease loss provision to assets | -0.0384% | 6,444 |
| Net operating income to assets | 1.1586% | 1,599 |
| Return on assets (ROA) | 1.1698% | 1,638 |
| Pretax return on assets | 1.7624% | 853 |
| Return on Equity (ROE) | 13.5316% | 1,033 |
| Retained earnings to average equity (ytd only) | 13.5316% | 432 |
| Net charge-offs to loans | -0.0766% | 5,998 |
| Credit loss provision to net charge-offs | 103.1051% | 1,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1412% | 5,631 |
| Assets per employee ($millions) | 6.2207% | 1,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3962% | 3,622 |
| Loan loss allowance to noncurrent loans | 77.3825% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 1.2286% | 2,800 |
| Noncurrent loans to loans | 1.8043% | 2,132 |
| Net loans and leases to total assets | 48.1875% | 5,102 |
| Net loans and leases to deposits | 62.4205% | 4,505 |
| Net loans and leases to core deposits | 69.0467% | 4,199 |
| Total domestic deposits to total assets | 74.5169% | 6,199 |
| Equity capital to assets | 8.8003% | 5,338 |
| Core capital (leverage) ratio | 7.6052% | 6,301 |
| Tier 1 risk-based capital ratio | 10.2943% | 6,395 |
| Total risk-based capital ratio | 12.0645% | 6,194 |
| Memoranda: |
| Average total assets | $26,977,495,500 | 53 |
| Average earning assets | $24,427,320,500 | 52 |
| Average equity | $2,332,108,000 | 66 |
| Average total loans | $13,115,879,000 | 65 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0686% | 6,272 |
| Cost of funding earning assets | 0.2990% | 5,607 |
| Net interest margin | 2.7696% | 6,028 |
| Noninterest income to average assets | 1.9705% | 398 |
| Noninterest expense to average assets | 2.7580% | 3,882 |
| Loan and lease loss provision to assets | -0.1029% | 6,487 |
| Net operating income to assets | 1.1453% | 1,775 |
| Return on assets (ROA) | 1.1258% | 1,913 |
| Pretax return on assets | 1.7411% | 872 |
| Return on Equity (ROE) | 12.9088% | 1,184 |
| Retained earnings to average equity (ytd only) | 3.4495% | 3,779 |
| Net charge-offs to loans | 0.0161% | 5,119 |
| Credit loss provision to net charge-offs | -1,377.4779% | 6,271 |
| Earnings coverage of net charge-offs (x) | 223.2385% | 203 |
| Efficiency ratio | 62.1848% | 5,183 |
| Assets per employee ($millions) | 6.1330% | 1,183 |
| Cash dividends to net income (ytd only)* | 73.2782% | 1,178 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4307% | 3,508 |
| Loan loss allowance to noncurrent loans | 75.9263% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 1.2506% | 2,913 |
| Noncurrent loans to loans | 1.8843% | 2,133 |
| Net loans and leases to total assets | 47.6705% | 5,327 |
| Net loans and leases to deposits | 61.2294% | 4,803 |
| Net loans and leases to core deposits | 67.8701% | 4,531 |
| Total domestic deposits to total assets | 74.9617% | 6,202 |
| Equity capital to assets | 8.4868% | 5,593 |
| Core capital (leverage) ratio | 7.3795% | 6,419 |
| Tier 1 risk-based capital ratio | 10.0803% | 6,496 |
| Total risk-based capital ratio | 11.8797% | 6,279 |
| Memoranda: |
| Average total assets | $27,273,827,800 | 51 |
| Average earning assets | $24,182,121,400 | 50 |
| Average equity | $2,378,595,600 | 64 |
| Average total loans | $12,639,007,000 | 62 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0634% | 6,357 |
| Cost of funding earning assets | 0.3041% | 5,695 |
| Net interest margin | 2.7594% | 6,082 |
| Noninterest income to average assets | 1.9314% | 439 |
| Noninterest expense to average assets | 2.6289% | 4,283 |
| Loan and lease loss provision to assets | -0.0788% | 6,593 |
| Net operating income to assets | 1.1728% | 1,730 |
| Return on assets (ROA) | 1.1570% | 1,855 |
| Pretax return on assets | 1.7895% | 925 |
| Return on Equity (ROE) | 13.1794% | 1,200 |
| Retained earnings to average equity (ytd only) | 13.1794% | 319 |
| Net charge-offs to loans | 0.0530% | 4,149 |
| Credit loss provision to net charge-offs | -324.2339% | 5,978 |
| Earnings coverage of net charge-offs (x) | 71.4001% | 655 |
| Efficiency ratio | 60.1075% | 5,418 |
| Assets per employee ($millions) | 6.1555% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5482% | 3,235 |
| Loan loss allowance to noncurrent loans | 82.0595% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 1.2766% | 3,091 |
| Noncurrent loans to loans | 1.8866% | 2,388 |
| Net loans and leases to total assets | 45.9186% | 5,556 |
| Net loans and leases to deposits | 62.1834% | 4,737 |
| Net loans and leases to core deposits | 69.3427% | 4,394 |
| Total domestic deposits to total assets | 70.7451% | 6,562 |
| Equity capital to assets | 9.0930% | 5,070 |
| Core capital (leverage) ratio | 7.8991% | 6,278 |
| Tier 1 risk-based capital ratio | 10.8990% | 6,323 |
| Total risk-based capital ratio | 12.7472% | 6,023 |
| Memoranda: |
| Average total assets | $27,393,465,250 | 51 |
| Average earning assets | $24,150,139,750 | 50 |
| Average equity | $2,404,727,750 | 62 |
| Average total loans | $12,559,048,000 | 63 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0691% | 6,376 |
| Cost of funding earning assets | 0.3070% | 5,772 |
| Net interest margin | 2.7621% | 6,076 |
| Noninterest income to average assets | 1.9814% | 450 |
| Noninterest expense to average assets | 2.5669% | 4,501 |
| Loan and lease loss provision to assets | -0.0558% | 6,654 |
| Net operating income to assets | 1.2111% | 1,568 |
| Return on assets (ROA) | 1.1921% | 1,722 |
| Pretax return on assets | 1.8708% | 786 |
| Return on Equity (ROE) | 13.7406% | 1,066 |
| Retained earnings to average equity (ytd only) | 13.7406% | 316 |
| Net charge-offs to loans | 0.0747% | 3,644 |
| Credit loss provision to net charge-offs | -163.8049% | 5,692 |
| Earnings coverage of net charge-offs (x) | 54.1417% | 757 |
| Efficiency ratio | 58.0553% | 5,728 |
| Assets per employee ($millions) | 6.1755% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5965% | 3,171 |
| Loan loss allowance to noncurrent loans | 84.1445% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 1.2707% | 3,219 |
| Noncurrent loans to loans | 1.8973% | 2,509 |
| Net loans and leases to total assets | 45.4479% | 5,594 |
| Net loans and leases to deposits | 62.8936% | 4,641 |
| Net loans and leases to core deposits | 69.4127% | 4,335 |
| Total domestic deposits to total assets | 69.6769% | 6,668 |
| Equity capital to assets | 8.6804% | 5,576 |
| Core capital (leverage) ratio | 7.4647% | 6,470 |
| Tier 1 risk-based capital ratio | 10.5668% | 6,483 |
| Total risk-based capital ratio | 12.4812% | 6,198 |
| Memoranda: |
| Average total assets | $27,553,966,330 | 50 |
| Average earning assets | $24,242,325,330 | 50 |
| Average equity | $2,390,604,670 | 62 |
| Average total loans | $12,561,427,670 | 63 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0931% | 6,404 |
| Cost of funding earning assets | 0.3115% | 5,878 |
| Net interest margin | 2.7817% | 6,066 |
| Noninterest income to average assets | 1.9658% | 440 |
| Noninterest expense to average assets | 2.6051% | 4,389 |
| Loan and lease loss provision to assets | -0.1044% | 6,842 |
| Net operating income to assets | 1.2213% | 1,470 |
| Return on assets (ROA) | 1.2364% | 1,528 |
| Pretax return on assets | 1.9425% | 672 |
| Return on Equity (ROE) | 14.2545% | 914 |
| Retained earnings to average equity (ytd only) | 14.2545% | 426 |
| Net charge-offs to loans | 0.0754% | 3,092 |
| Credit loss provision to net charge-offs | -305.6973% | 5,361 |
| Earnings coverage of net charge-offs (x) | 53.1467% | 641 |
| Efficiency ratio | 58.8151% | 5,742 |
| Assets per employee ($millions) | 6.0991% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6671% | 3,145 |
| Loan loss allowance to noncurrent loans | 80.6182% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.3136% | 3,333 |
| Noncurrent loans to loans | 2.0679% | 2,544 |
| Net loans and leases to total assets | 44.7010% | 5,590 |
| Net loans and leases to deposits | 59.8629% | 4,806 |
| Net loans and leases to core deposits | 66.4603% | 4,475 |
| Total domestic deposits to total assets | 71.9344% | 6,661 |
| Equity capital to assets | 8.9170% | 5,592 |
| Core capital (leverage) ratio | 7.2046% | 6,580 |
| Tier 1 risk-based capital ratio | 10.3731% | 6,613 |
| Total risk-based capital ratio | 12.7147% | 6,177 |
| Memoranda: |
| Average total assets | $27,556,543,000 | 51 |
| Average earning assets | $24,308,009,000 | 50 |
| Average equity | $2,390,234,000 | 63 |
| Average total loans | $12,480,407,500 | 65 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3793% | 6,505 |
| Cost of funding earning assets | 0.3803% | 6,051 |
| Net interest margin | 2.9990% | 6,054 |
| Noninterest income to average assets | 2.0693% | 411 |
| Noninterest expense to average assets | 2.8775% | 3,728 |
| Loan and lease loss provision to assets | -0.0558% | 6,872 |
| Net operating income to assets | 1.2175% | 1,544 |
| Return on assets (ROA) | 1.3094% | 1,416 |
| Pretax return on assets | 2.0542% | 543 |
| Return on Equity (ROE) | 14.3215% | 929 |
| Retained earnings to average equity (ytd only) | 2.8690% | 4,222 |
| Net charge-offs to loans | 0.1356% | 4,326 |
| Credit loss provision to net charge-offs | -90.3570% | 6,324 |
| Earnings coverage of net charge-offs (x) | 30.0318% | 1,013 |
| Efficiency ratio | 60.6304% | 5,441 |
| Assets per employee ($millions) | 6.2635% | 1,130 |
| Cash dividends to net income (ytd only)* | 79.9670% | 1,000 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7095% | 2,895 |
| Loan loss allowance to noncurrent loans | 80.8942% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 1.3202% | 3,438 |
| Noncurrent loans to loans | 2.1133% | 2,565 |
| Net loans and leases to total assets | 44.3547% | 5,788 |
| Net loans and leases to deposits | 57.2015% | 5,322 |
| Net loans and leases to core deposits | 62.1662% | 5,138 |
| Total domestic deposits to total assets | 75.8862% | 6,370 |
| Equity capital to assets | 8.4375% | 6,095 |
| Core capital (leverage) ratio | 6.8892% | 6,733 |
| Tier 1 risk-based capital ratio | 9.7657% | 6,754 |
| Total risk-based capital ratio | 12.1239% | 6,368 |
| Memoranda: |
| Average total assets | $26,264,100,400 | 52 |
| Average earning assets | $23,319,614,600 | 50 |
| Average equity | $2,401,224,000 | 58 |
| Average total loans | $11,963,924,800 | 64 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4464% | 6,564 |
| Cost of funding earning assets | 0.3908% | 6,167 |
| Net interest margin | 3.0556% | 6,053 |
| Noninterest income to average assets | 2.0919% | 399 |
| Noninterest expense to average assets | 2.8999% | 3,596 |
| Loan and lease loss provision to assets | -0.0035% | 6,946 |
| Net operating income to assets | 1.2280% | 1,640 |
| Return on assets (ROA) | 1.3566% | 1,452 |
| Pretax return on assets | 2.1171% | 552 |
| Return on Equity (ROE) | 14.5355% | 993 |
| Retained earnings to average equity (ytd only) | 14.5355% | 265 |
| Net charge-offs to loans | 0.1349% | 4,043 |
| Credit loss provision to net charge-offs | -5.7105% | 6,091 |
| Earnings coverage of net charge-offs (x) | 31.0434% | 1,068 |
| Efficiency ratio | 60.0802% | 5,481 |
| Assets per employee ($millions) | 6.0930% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9243% | 2,404 |
| Loan loss allowance to noncurrent loans | 90.4537% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.3415% | 3,615 |
| Noncurrent loans to loans | 2.1274% | 2,695 |
| Net loans and leases to total assets | 44.3282% | 5,940 |
| Net loans and leases to deposits | 61.3007% | 5,045 |
| Net loans and leases to core deposits | 67.3112% | 4,807 |
| Total domestic deposits to total assets | 70.5083% | 6,819 |
| Equity capital to assets | 9.5283% | 5,164 |
| Core capital (leverage) ratio | 7.8581% | 6,433 |
| Tier 1 risk-based capital ratio | 11.1289% | 6,431 |
| Total risk-based capital ratio | 13.6266% | 5,689 |
| Memoranda: |
| Average total assets | $25,846,267,500 | 53 |
| Average earning assets | $23,012,286,250 | 51 |
| Average equity | $2,412,267,750 | 59 |
| Average total loans | $11,803,362,500 | 66 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5375% | 6,563 |
| Cost of funding earning assets | 0.4166% | 6,184 |
| Net interest margin | 3.1210% | 5,946 |
| Noninterest income to average assets | 2.0416% | 391 |
| Noninterest expense to average assets | 2.8923% | 3,652 |
| Loan and lease loss provision to assets | -0.0666% | 7,091 |
| Net operating income to assets | 1.2655% | 1,525 |
| Return on assets (ROA) | 1.3946% | 1,345 |
| Pretax return on assets | 2.1827% | 498 |
| Return on Equity (ROE) | 15.0534% | 932 |
| Retained earnings to average equity (ytd only) | 15.0534% | 281 |
| Net charge-offs to loans | 0.2280% | 3,208 |
| Credit loss provision to net charge-offs | -63.6923% | 6,019 |
| Earnings coverage of net charge-offs (x) | 18.3202% | 1,493 |
| Efficiency ratio | 59.9893% | 5,577 |
| Assets per employee ($millions) | 5.8171% | 1,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9592% | 2,343 |
| Loan loss allowance to noncurrent loans | 85.0789% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.4794% | 3,484 |
| Noncurrent loans to loans | 2.3028% | 2,599 |
| Net loans and leases to total assets | 45.6141% | 5,855 |
| Net loans and leases to deposits | 62.3028% | 4,959 |
| Net loans and leases to core deposits | 67.9447% | 4,792 |
| Total domestic deposits to total assets | 71.8429% | 6,808 |
| Equity capital to assets | 9.6489% | 4,838 |
| Core capital (leverage) ratio | 7.8307% | 6,423 |
| Tier 1 risk-based capital ratio | 11.0591% | 6,468 |
| Total risk-based capital ratio | 13.6328% | 5,643 |
| Memoranda: |
| Average total assets | $25,503,012,330 | 53 |
| Average earning assets | $22,594,664,000 | 52 |
| Average equity | $2,362,747,000 | 59 |
| Average total loans | $11,688,678,330 | 65 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5086% | 6,685 |
| Cost of funding earning assets | 0.4445% | 6,181 |
| Net interest margin | 3.0640% | 6,144 |
| Noninterest income to average assets | 1.9527% | 424 |
| Noninterest expense to average assets | 2.6322% | 4,695 |
| Loan and lease loss provision to assets | -0.0123% | 7,107 |
| Net operating income to assets | 1.2972% | 1,465 |
| Return on assets (ROA) | 1.2879% | 1,658 |
| Pretax return on assets | 2.0170% | 715 |
| Return on Equity (ROE) | 14.1942% | 1,149 |
| Retained earnings to average equity (ytd only) | 14.1942% | 546 |
| Net charge-offs to loans | 0.2921% | 2,499 |
| Credit loss provision to net charge-offs | -9.2752% | 5,351 |
| Earnings coverage of net charge-offs (x) | 15.1993% | 1,430 |
| Efficiency ratio | 56.3948% | 6,083 |
| Assets per employee ($millions) | 5.8182% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0677% | 2,174 |
| Loan loss allowance to noncurrent loans | 74.3791% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 1.7170% | 3,285 |
| Noncurrent loans to loans | 2.7799% | 2,331 |
| Net loans and leases to total assets | 44.9473% | 5,902 |
| Net loans and leases to deposits | 61.2188% | 5,018 |
| Net loans and leases to core deposits | 67.4575% | 4,739 |
| Total domestic deposits to total assets | 71.3583% | 6,913 |
| Equity capital to assets | 9.2278% | 5,193 |
| Core capital (leverage) ratio | 7.4394% | 6,671 |
| Tier 1 risk-based capital ratio | 10.2974% | 6,794 |
| Total risk-based capital ratio | 13.4119% | 5,831 |
| Memoranda: |
| Average total assets | $25,546,991,000 | 54 |
| Average earning assets | $22,501,236,500 | 53 |
| Average equity | $2,317,989,500 | 61 |
| Average total loans | $11,620,761,000 | 65 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6767% | 6,870 |
| Cost of funding earning assets | 0.5427% | 6,376 |
| Net interest margin | 3.1341% | 6,263 |
| Noninterest income to average assets | 1.8156% | 437 |
| Noninterest expense to average assets | 2.9539% | 3,753 |
| Loan and lease loss provision to assets | -0.0042% | 7,208 |
| Net operating income to assets | 1.0186% | 2,136 |
| Return on assets (ROA) | 1.1078% | 1,918 |
| Pretax return on assets | 1.7644% | 868 |
| Return on Equity (ROE) | 11.8819% | 1,439 |
| Retained earnings to average equity (ytd only) | 0.2953% | 5,693 |
| Net charge-offs to loans | 0.3474% | 3,660 |
| Credit loss provision to net charge-offs | -2.7048% | 6,598 |
| Earnings coverage of net charge-offs (x) | 10.5338% | 1,826 |
| Efficiency ratio | 64.2574% | 5,083 |
| Assets per employee ($millions) | 5.8936% | 1,308 |
| Cash dividends to net income (ytd only)* | 97.5150% | 384 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2176% | 1,770 |
| Loan loss allowance to noncurrent loans | 70.5912% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 1.8856% | 3,132 |
| Noncurrent loans to loans | 3.1414% | 2,059 |
| Net loans and leases to total assets | 44.0737% | 6,207 |
| Net loans and leases to deposits | 58.3013% | 5,670 |
| Net loans and leases to core deposits | 64.4139% | 5,427 |
| Total domestic deposits to total assets | 73.4543% | 6,766 |
| Equity capital to assets | 8.9168% | 5,658 |
| Core capital (leverage) ratio | 7.1073% | 6,829 |
| Tier 1 risk-based capital ratio | 10.3060% | 6,767 |
| Total risk-based capital ratio | 13.5251% | 5,600 |
| Memoranda: |
| Average total assets | $24,989,568,800 | 52 |
| Average earning assets | $21,999,594,400 | 51 |
| Average equity | $2,329,816,400 | 59 |
| Average total loans | $11,068,643,200 | 66 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7256% | 6,911 |
| Cost of funding earning assets | 0.5641% | 6,453 |
| Net interest margin | 3.1614% | 6,257 |
| Noninterest income to average assets | 1.8296% | 434 |
| Noninterest expense to average assets | 2.9220% | 3,829 |
| Loan and lease loss provision to assets | 0.0400% | 5,941 |
| Net operating income to assets | 1.0508% | 2,136 |
| Return on assets (ROA) | 1.1594% | 1,892 |
| Pretax return on assets | 1.8164% | 923 |
| Return on Equity (ROE) | 12.2989% | 1,467 |
| Retained earnings to average equity (ytd only) | 12.2989% | 465 |
| Net charge-offs to loans | 0.3521% | 3,333 |
| Credit loss provision to net charge-offs | 25.7848% | 5,479 |
| Earnings coverage of net charge-offs (x) | 10.8654% | 1,869 |
| Efficiency ratio | 63.0876% | 5,223 |
| Assets per employee ($millions) | 5.8491% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3894% | 1,549 |
| Loan loss allowance to noncurrent loans | 73.2145% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.9235% | 3,232 |
| Noncurrent loans to loans | 3.2636% | 2,123 |
| Net loans and leases to total assets | 44.6093% | 6,270 |
| Net loans and leases to deposits | 59.6285% | 5,676 |
| Net loans and leases to core deposits | 67.1261% | 5,290 |
| Total domestic deposits to total assets | 71.6773% | 6,956 |
| Equity capital to assets | 10.0640% | 4,257 |
| Core capital (leverage) ratio | 8.2879% | 5,995 |
| Tier 1 risk-based capital ratio | 11.6312% | 6,152 |
| Total risk-based capital ratio | 15.0489% | 4,466 |
| Memoranda: |
| Average total assets | $24,896,961,250 | 52 |
| Average earning assets | $21,887,529,000 | 52 |
| Average equity | $2,346,946,500 | 58 |
| Average total loans | $10,978,158,250 | 69 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7130% | 7,003 |
| Cost of funding earning assets | 0.5715% | 6,579 |
| Net interest margin | 3.1415% | 6,300 |
| Noninterest income to average assets | 1.6797% | 475 |
| Noninterest expense to average assets | 2.7152% | 4,757 |
| Loan and lease loss provision to assets | 0.1002% | 5,069 |
| Net operating income to assets | 1.0203% | 2,136 |
| Return on assets (ROA) | 1.0638% | 2,079 |
| Pretax return on assets | 1.6941% | 1,066 |
| Return on Equity (ROE) | 11.5452% | 1,620 |
| Retained earnings to average equity (ytd only) | 11.5452% | 583 |
| Net charge-offs to loans | 0.3472% | 3,161 |
| Credit loss provision to net charge-offs | 66.2349% | 4,164 |
| Earnings coverage of net charge-offs (x) | 11.4148% | 1,718 |
| Efficiency ratio | 60.8086% | 5,758 |
| Assets per employee ($millions) | 5.5593% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6307% | 1,266 |
| Loan loss allowance to noncurrent loans | 88.2388% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 1.8664% | 3,413 |
| Noncurrent loans to loans | 2.9813% | 2,436 |
| Net loans and leases to total assets | 44.1000% | 6,430 |
| Net loans and leases to deposits | 59.6447% | 5,761 |
| Net loans and leases to core deposits | 68.4626% | 5,244 |
| Total domestic deposits to total assets | 69.7693% | 7,126 |
| Equity capital to assets | 9.9418% | 4,232 |
| Core capital (leverage) ratio | 8.0774% | 6,197 |
| Tier 1 risk-based capital ratio | 11.5583% | 6,122 |
| Total risk-based capital ratio | 15.0634% | 4,270 |
| Memoranda: |
| Average total assets | $24,909,726,000 | 52 |
| Average earning assets | $21,898,910,670 | 52 |
| Average equity | $2,295,334,000 | 61 |
| Average total loans | $10,850,631,000 | 72 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6122% | 7,130 |
| Cost of funding earning assets | 0.5585% | 6,770 |
| Net interest margin | 3.0536% | 6,454 |
| Noninterest income to average assets | 1.5810% | 527 |
| Noninterest expense to average assets | 2.4981% | 5,563 |
| Loan and lease loss provision to assets | 0.1089% | 4,652 |
| Net operating income to assets | 1.0363% | 2,045 |
| Return on assets (ROA) | 1.0096% | 2,202 |
| Pretax return on assets | 1.6219% | 1,140 |
| Return on Equity (ROE) | 11.3831% | 1,628 |
| Retained earnings to average equity (ytd only) | 11.3831% | 831 |
| Net charge-offs to loans | 0.3811% | 2,546 |
| Credit loss provision to net charge-offs | 66.8347% | 3,409 |
| Earnings coverage of net charge-offs (x) | 10.8815% | 1,601 |
| Efficiency ratio | 58.1640% | 6,249 |
| Assets per employee ($millions) | 5.4298% | 1,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7051% | 1,201 |
| Loan loss allowance to noncurrent loans | 102.5315% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 1.7340% | 3,658 |
| Noncurrent loans to loans | 2.6383% | 2,859 |
| Net loans and leases to total assets | 44.2235% | 6,453 |
| Net loans and leases to deposits | 57.5936% | 5,967 |
| Net loans and leases to core deposits | 66.0246% | 5,507 |
| Total domestic deposits to total assets | 72.4752% | 7,041 |
| Equity capital to assets | 9.6870% | 4,194 |
| Core capital (leverage) ratio | 7.8549% | 6,412 |
| Tier 1 risk-based capital ratio | 11.1374% | 6,408 |
| Total risk-based capital ratio | 14.6465% | 4,488 |
| Memoranda: |
| Average total assets | $25,336,944,000 | 52 |
| Average earning assets | $22,316,688,500 | 52 |
| Average equity | $2,247,235,500 | 62 |
| Average total loans | $10,828,447,000 | 71 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9353% | 7,175 |
| Cost of funding earning assets | 0.6271% | 7,066 |
| Net interest margin | 3.3082% | 5,954 |
| Noninterest income to average assets | 2.0525% | 374 |
| Noninterest expense to average assets | 2.6000% | 5,412 |
| Loan and lease loss provision to assets | 0.4361% | 3,508 |
| Net operating income to assets | 1.2508% | 1,291 |
| Return on assets (ROA) | 1.2874% | 1,265 |
| Pretax return on assets | 1.9818% | 501 |
| Return on Equity (ROE) | 18.2085% | 363 |
| Retained earnings to average equity (ytd only) | -5.1630% | 6,321 |
| Net charge-offs to loans | 0.9931% | 2,202 |
| Credit loss provision to net charge-offs | 102.1734% | 4,433 |
| Earnings coverage of net charge-offs (x) | 5.5323% | 2,601 |
| Efficiency ratio | 52.3581% | 6,960 |
| Assets per employee ($millions) | 5.9764% | 1,229 |
| Cash dividends to net income (ytd only)* | 128.3550% | 220 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6937% | 1,180 |
| Loan loss allowance to noncurrent loans | 106.7202% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 1.4496% | 4,155 |
| Noncurrent loans to loans | 2.5240% | 3,003 |
| Net loans and leases to total assets | 39.8880% | 6,971 |
| Net loans and leases to deposits | 69.1096% | 4,947 |
| Net loans and leases to core deposits | 84.6016% | 3,510 |
| Total domestic deposits to total assets | 51.6515% | 7,561 |
| Equity capital to assets | 6.4691% | 7,263 |
| Core capital (leverage) ratio | 5.8037% | 7,331 |
| Tier 1 risk-based capital ratio | 8.9675% | 7,252 |
| Total risk-based capital ratio | 13.4678% | 5,248 |
| Memoranda: |
| Average total assets | $16,944,194,600 | 71 |
| Average earning assets | $14,899,624,000 | 73 |
| Average equity | $1,198,042,200 | 105 |
| Average total loans | $7,283,060,800 | 96 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0680% | 7,231 |
| Cost of funding earning assets | 0.6346% | 7,212 |
| Net interest margin | 3.4334% | 5,559 |
| Noninterest income to average assets | 2.0307% | 364 |
| Noninterest expense to average assets | 2.7033% | 4,868 |
| Loan and lease loss provision to assets | 0.5871% | 2,586 |
| Net operating income to assets | 1.2072% | 1,573 |
| Return on assets (ROA) | 1.3349% | 1,344 |
| Pretax return on assets | 1.9537% | 694 |
| Return on Equity (ROE) | 18.4726% | 436 |
| Retained earnings to average equity (ytd only) | 9.7002% | 865 |
| Net charge-offs to loans | 1.1381% | 1,792 |
| Credit loss provision to net charge-offs | 118.5991% | 3,492 |
| Earnings coverage of net charge-offs (x) | 4.7535% | 2,935 |
| Efficiency ratio | 53.4228% | 6,844 |
| Assets per employee ($millions) | 5.9236% | 1,287 |
| Cash dividends to net income (ytd only)* | 47.4887% | 1,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7569% | 1,032 |
| Loan loss allowance to noncurrent loans | 98.6885% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 1.5073% | 4,197 |
| Noncurrent loans to loans | 2.7936% | 2,853 |
| Net loans and leases to total assets | 40.5270% | 7,045 |
| Net loans and leases to deposits | 74.9148% | 4,356 |
| Net loans and leases to core deposits | 89.5575% | 3,157 |
| Total domestic deposits to total assets | 49.9675% | 7,664 |
| Equity capital to assets | 7.4259% | 7,167 |
| Core capital (leverage) ratio | 6.8344% | 7,239 |
| Tier 1 risk-based capital ratio | 10.2805% | 6,910 |
| Total risk-based capital ratio | 14.7701% | 4,141 |
| Memoranda: |
| Average total assets | $16,826,454,750 | 71 |
| Average earning assets | $14,828,700,500 | 73 |
| Average equity | $1,215,902,000 | 102 |
| Average total loans | $7,319,113,000 | 95 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1192% | 7,263 |
| Cost of funding earning assets | 0.6347% | 7,329 |
| Net interest margin | 3.4845% | 5,305 |
| Noninterest income to average assets | 1.9167% | 374 |
| Noninterest expense to average assets | 2.5804% | 5,403 |
| Loan and lease loss provision to assets | 0.7292% | 1,997 |
| Net operating income to assets | 1.1238% | 1,778 |
| Return on assets (ROA) | 1.3025% | 1,362 |
| Pretax return on assets | 1.9498% | 666 |
| Return on Equity (ROE) | 18.2034% | 447 |
| Retained earnings to average equity (ytd only) | 8.9229% | 1,128 |
| Net charge-offs to loans | 1.3701% | 1,390 |
| Credit loss provision to net charge-offs | 120.5697% | 3,362 |
| Earnings coverage of net charge-offs (x) | 3.9885% | 3,099 |
| Efficiency ratio | 51.6439% | 7,106 |
| Assets per employee ($millions) | 5.7176% | 1,436 |
| Cash dividends to net income (ytd only)* | 50.9821% | 1,635 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7782% | 1,019 |
| Loan loss allowance to noncurrent loans | 83.4904% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 1.8358% | 3,715 |
| Noncurrent loans to loans | 3.3275% | 2,401 |
| Net loans and leases to total assets | 42.3259% | 7,022 |
| Net loans and leases to deposits | 75.9911% | 4,337 |
| Net loans and leases to core deposits | 90.6818% | 3,166 |
| Total domestic deposits to total assets | 50.5054% | 7,730 |
| Equity capital to assets | 7.5781% | 7,075 |
| Core capital (leverage) ratio | 6.8501% | 7,261 |
| Tier 1 risk-based capital ratio | 9.9961% | 7,029 |
| Total risk-based capital ratio | 14.5001% | 4,205 |
| Memoranda: |
| Average total assets | $16,565,018,330 | 71 |
| Average earning assets | $14,622,896,670 | 72 |
| Average equity | $1,185,283,670 | 102 |
| Average total loans | $7,312,328,670 | 94 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1513% | 7,323 |
| Cost of funding earning assets | 0.6284% | 7,499 |
| Net interest margin | 3.5229% | 5,072 |
| Noninterest income to average assets | 1.7537% | 418 |
| Noninterest expense to average assets | 2.1597% | 6,783 |
| Loan and lease loss provision to assets | 0.4920% | 2,531 |
| Net operating income to assets | 1.4633% | 955 |
| Return on assets (ROA) | 1.4988% | 967 |
| Pretax return on assets | 2.2604% | 379 |
| Return on Equity (ROE) | 21.5879% | 293 |
| Retained earnings to average equity (ytd only) | 12.8782% | 636 |
| Net charge-offs to loans | 1.2084% | 1,407 |
| Credit loss provision to net charge-offs | 91.6010% | 3,631 |
| Earnings coverage of net charge-offs (x) | 5.0244% | 2,488 |
| Efficiency ratio | 44.4123% | 7,607 |
| Assets per employee ($millions) | 5.7491% | 1,452 |
| Cash dividends to net income (ytd only)* | 40.3454% | 1,747 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6007% | 1,176 |
| Loan loss allowance to noncurrent loans | 74.7525% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 1.9023% | 3,632 |
| Noncurrent loans to loans | 3.4791% | 2,293 |
| Net loans and leases to total assets | 42.4971% | 7,092 |
| Net loans and leases to deposits | 80.3678% | 3,585 |
| Net loans and leases to core deposits | 93.2909% | 2,938 |
| Total domestic deposits to total assets | 48.2981% | 7,844 |
| Equity capital to assets | 7.1462% | 7,310 |
| Core capital (leverage) ratio | 6.6820% | 7,398 |
| Tier 1 risk-based capital ratio | 9.6966% | 7,214 |
| Total risk-based capital ratio | 14.4133% | 4,191 |
| Memoranda: |
| Average total assets | $16,537,024,000 | 68 |
| Average earning assets | $14,573,149,000 | 70 |
| Average equity | $1,148,144,500 | 102 |
| Average total loans | $7,350,485,500 | 93 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4312% | 7,451 |
| Cost of funding earning assets | 0.8388% | 7,497 |
| Net interest margin | 3.5923% | 4,578 |
| Noninterest income to average assets | 1.8791% | 421 |
| Noninterest expense to average assets | 2.3112% | 6,718 |
| Loan and lease loss provision to assets | 0.8661% | 2,576 |
| Net operating income to assets | 1.2130% | 1,219 |
| Return on assets (ROA) | 1.3279% | 1,023 |
| Pretax return on assets | 2.0207% | 390 |
| Return on Equity (ROE) | 21.7769% | 172 |
| Retained earnings to average equity (ytd only) | 4.6504% | 2,002 |
| Net charge-offs to loans | 1.2099% | 2,036 |
| Credit loss provision to net charge-offs | 147.3177% | 3,192 |
| Earnings coverage of net charge-offs (x) | 4.6139% | 2,883 |
| Efficiency ratio | 45.9640% | 7,714 |
| Assets per employee ($millions) | 5.7249% | 1,439 |
| Cash dividends to net income (ytd only)* | 78.6450% | 1,227 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5638% | 1,158 |
| Loan loss allowance to noncurrent loans | 79.5539% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.8720% | 3,565 |
| Noncurrent loans to loans | 3.2228% | 2,368 |
| Net loans and leases to total assets | 44.1153% | 7,113 |
| Net loans and leases to deposits | 83.4912% | 3,361 |
| Net loans and leases to core deposits | 102.1499% | 3,788 |
| Total domestic deposits to total assets | 47.3871% | 7,921 |
| Equity capital to assets | 6.7369% | 7,484 |
| Core capital (leverage) ratio | 6.4492% | 7,509 |
| Tier 1 risk-based capital ratio | 9.1809% | 7,386 |
| Total risk-based capital ratio | 13.8167% | 4,410 |
| Memoranda: |
| Average total assets | $16,448,584,000 | 69 |
| Average earning assets | $14,399,842,600 | 68 |
| Average equity | $1,003,021,800 | 114 |
| Average total loans | $7,992,892,400 | 89 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4780% | 7,532 |
| Cost of funding earning assets | 0.8967% | 7,564 |
| Net interest margin | 3.5814% | 4,553 |
| Noninterest income to average assets | 1.9035% | 409 |
| Noninterest expense to average assets | 2.2885% | 6,735 |
| Loan and lease loss provision to assets | 0.8976% | 2,143 |
| Net operating income to assets | 1.2460% | 1,353 |
| Return on assets (ROA) | 1.3997% | 1,094 |
| Pretax return on assets | 2.0705% | 475 |
| Return on Equity (ROE) | 23.5711% | 151 |
| Retained earnings to average equity (ytd only) | 2.1966% | 4,101 |
| Net charge-offs to loans | 1.2362% | 1,653 |
| Credit loss provision to net charge-offs | 146.9280% | 3,303 |
| Earnings coverage of net charge-offs (x) | 4.4883% | 3,121 |
| Efficiency ratio | 45.4515% | 7,790 |
| Assets per employee ($millions) | 5.7947% | 1,356 |
| Cash dividends to net income (ytd only)* | 90.6809% | 724 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3841% | 1,191 |
| Loan loss allowance to noncurrent loans | 60.4054% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 2.0355% | 3,302 |
| Noncurrent loans to loans | 3.9468% | 1,864 |
| Net loans and leases to total assets | 43.5510% | 7,276 |
| Net loans and leases to deposits | 87.9797% | 2,964 |
| Net loans and leases to core deposits | 111.4670% | 3,074 |
| Total domestic deposits to total assets | 44.0683% | 8,007 |
| Equity capital to assets | 6.4209% | 7,779 |
| Core capital (leverage) ratio | 6.4308% | 7,692 |
| Tier 1 risk-based capital ratio | 8.6812% | 7,713 |
| Total risk-based capital ratio | 13.2273% | 4,933 |
| Memoranda: |
| Average total assets | $16,453,129,000 | 73 |
| Average earning assets | $14,365,726,000 | 72 |
| Average equity | $977,051,750 | 120 |
| Average total loans | $8,131,352,250 | 95 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5268% | 7,604 |
| Cost of funding earning assets | 0.9786% | 7,582 |
| Net interest margin | 3.5482% | 4,582 |
| Noninterest income to average assets | 1.9488% | 392 |
| Noninterest expense to average assets | 2.2269% | 6,984 |
| Loan and lease loss provision to assets | 0.9732% | 1,735 |
| Net operating income to assets | 1.2559% | 1,341 |
| Return on assets (ROA) | 1.3996% | 1,099 |
| Pretax return on assets | 2.0907% | 445 |
| Return on Equity (ROE) | 24.2523% | 150 |
| Retained earnings to average equity (ytd only) | 1.0306% | 4,754 |
| Net charge-offs to loans | 1.1022% | 1,644 |
| Credit loss provision to net charge-offs | 172.8387% | 2,660 |
| Earnings coverage of net charge-offs (x) | 5.0604% | 2,926 |
| Efficiency ratio | 43.8272% | 7,931 |
| Assets per employee ($millions) | 5.3701% | 1,696 |
| Cash dividends to net income (ytd only)* | 95.7505% | 787 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2078% | 1,232 |
| Loan loss allowance to noncurrent loans | 62.8543% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 2.0337% | 3,154 |
| Noncurrent loans to loans | 3.5126% | 1,996 |
| Net loans and leases to total assets | 49.8196% | 6,885 |
| Net loans and leases to deposits | 98.4449% | 1,460 |
| Net loans and leases to core deposits | 129.2335% | 1,630 |
| Total domestic deposits to total assets | 45.3705% | 8,082 |
| Equity capital to assets | 6.3163% | 7,861 |
| Core capital (leverage) ratio | 6.4673% | 7,810 |
| Tier 1 risk-based capital ratio | 8.1938% | 7,895 |
| Total risk-based capital ratio | 12.5902% | 5,461 |
| Memoranda: |
| Average total assets | $16,285,706,000 | 78 |
| Average earning assets | $14,355,294,670 | 75 |
| Average equity | $939,838,330 | 124 |
| Average total loans | $8,320,274,000 | 99 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5398% | 7,677 |
| Cost of funding earning assets | 1.0713% | 7,560 |
| Net interest margin | 3.4685% | 4,858 |
| Noninterest income to average assets | 1.8678% | 401 |
| Noninterest expense to average assets | 2.1559% | 6,991 |
| Loan and lease loss provision to assets | 0.7168% | 1,788 |
| Net operating income to assets | 1.3366% | 1,301 |
| Return on assets (ROA) | 1.4638% | 1,081 |
| Pretax return on assets | 2.2373% | 404 |
| Return on Equity (ROE) | 26.5712% | 156 |
| Retained earnings to average equity (ytd only) | -4.2339% | 6,453 |
| Net charge-offs to loans | 1.0322% | 1,305 |
| Credit loss provision to net charge-offs | 135.7497% | 2,992 |
| Earnings coverage of net charge-offs (x) | 5.2239% | 2,720 |
| Efficiency ratio | 43.8276% | 7,937 |
| Assets per employee ($millions) | 5.5915% | 1,480 |
| Cash dividends to net income (ytd only)* | 115.9343% | 621 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8213% | 1,802 |
| Loan loss allowance to noncurrent loans | 51.8171% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 1.9806% | 2,934 |
| Noncurrent loans to loans | 3.5149% | 1,811 |
| Net loans and leases to total assets | 50.2434% | 6,841 |
| Net loans and leases to deposits | 93.9050% | 2,283 |
| Net loans and leases to core deposits | 120.2685% | 2,396 |
| Total domestic deposits to total assets | 49.3679% | 8,100 |
| Equity capital to assets | 5.6471% | 8,048 |
| Core capital (leverage) ratio | 6.1996% | 7,970 |
| Tier 1 risk-based capital ratio | 8.0845% | 8,001 |
| Total risk-based capital ratio | 12.4733% | 5,591 |
| Memoranda: |
| Average total assets | $16,499,580,000 | 78 |
| Average earning assets | $14,493,128,500 | 76 |
| Average equity | $908,940,500 | 127 |
| Average total loans | $8,441,045,500 | 99 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4122% | 7,445 |
| Cost of funding earning assets | 2.2338% | 5,442 |
| Net interest margin | 3.1784% | 6,437 |
| Noninterest income to average assets | 1.5062% | 616 |
| Noninterest expense to average assets | 2.1911% | 6,989 |
| Loan and lease loss provision to assets | 0.8673% | 1,719 |
| Net operating income to assets | 0.8323% | 3,298 |
| Return on assets (ROA) | 0.9175% | 2,776 |
| Pretax return on assets | 1.3166% | 2,256 |
| Return on Equity (ROE) | 15.6405% | 827 |
| Retained earnings to average equity (ytd only) | 9.2367% | 569 |
| Net charge-offs to loans | 0.8851% | 1,399 |
| Credit loss provision to net charge-offs | 185.8464% | 2,663 |
| Earnings coverage of net charge-offs (x) | 4.4187% | 3,991 |
| Efficiency ratio | 51.5023% | 7,543 |
| Assets per employee ($millions) | 5.8426% | 1,236 |
| Cash dividends to net income (ytd only)* | 40.9438% | 3,614 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7064% | 1,888 |
| Loan loss allowance to noncurrent loans | 59.7227% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 1.5320% | 3,154 |
| Noncurrent loans to loans | 2.8573% | 1,892 |
| Net loans and leases to total assets | 50.2703% | 7,005 |
| Net loans and leases to deposits | 92.5248% | 3,048 |
| Net loans and leases to core deposits | 116.4786% | 3,068 |
| Total domestic deposits to total assets | 48.7999% | 8,134 |
| Equity capital to assets | 5.3725% | 8,146 |
| Core capital (leverage) ratio | 6.4566% | 7,948 |
| Tier 1 risk-based capital ratio | 7.9578% | 8,090 |
| Total risk-based capital ratio | 12.2156% | 5,663 |
| Memoranda: |
| Average total assets | $15,705,249,800 | 81 |
| Average earning assets | $13,574,200,600 | 81 |
| Average equity | $921,328,200 | 123 |
| Average total loans | $8,281,296,200 | 98 |
