Home > Cathay Bank > Performance and Condition Ratios
Cathay Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8671% | 751 |
| Cost of funding earning assets | 2.3361% | 514 |
| Net interest margin | 3.5310% | 2,118 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 1.6686% | 4,172 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.5552% | 929 |
| Return on assets (ROA) | 1.5446% | 916 |
| Pretax return on assets | 1.7562% | 953 |
| Return on Equity (ROE) | 13.0300% | 1,721 |
| Retained earnings to average equity (ytd only) | 8.0182% | 1,534 |
| Net charge-offs to loans | 0.0932% | 952 |
| Credit loss provision to net charge-offs | 145.9443% | 1,495 |
| Earnings coverage of net charge-offs (x) | 24.1771% | 1,770 |
| Efficiency ratio | 46.8132% | 4,155 |
| Assets per employee ($millions) | 18.2843% | 123 |
| Cash dividends to net income (ytd only)* | 38.4423% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7903% | 3,992 |
| Loan loss allowance to noncurrent loans | 209.4620% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.4044% | 1,373 |
| Noncurrent loans to loans | 0.3773% | 1,854 |
| Net loans and leases to total assets | 84.1500% | 262 |
| Net loans and leases to deposits | 100.2728% | 522 |
| Net loans and leases to core deposits | 157.2478% | 167 |
| Total domestic deposits to total assets | 83.0000% | 2,892 |
| Equity capital to assets | 12.1721% | 1,078 |
| Core capital (leverage) ratio | 10.8680% | 2,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0919% | 1,839 |
| Memoranda: | ||
| Average total assets | $22,567,400,800 | 85 |
| Average earning assets | $21,188,702,400 | 83 |
| Average equity | $2,676,088,800 | 78 |
| Average total loans | $18,853,854,800 | 69 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7564% | 726 |
| Cost of funding earning assets | 2.1854% | 511 |
| Net interest margin | 3.5710% | 2,070 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.5855% | 4,252 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.6238% | 897 |
| Return on assets (ROA) | 1.6079% | 925 |
| Pretax return on assets | 1.8384% | 945 |
| Return on Equity (ROE) | 13.6500% | 1,748 |
| Retained earnings to average equity (ytd only) | 8.2551% | 1,871 |
| Net charge-offs to loans | 0.0960% | 810 |
| Credit loss provision to net charge-offs | 160.4819% | 1,276 |
| Earnings coverage of net charge-offs (x) | 25.0483% | 1,695 |
| Efficiency ratio | 44.0341% | 4,224 |
| Assets per employee ($millions) | 18.0291% | 118 |
| Cash dividends to net income (ytd only)* | 39.5312% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8103% | 3,961 |
| Loan loss allowance to noncurrent loans | 195.2235% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.4101% | 1,412 |
| Noncurrent loans to loans | 0.4150% | 1,791 |
| Net loans and leases to total assets | 82.9300% | 365 |
| Net loans and leases to deposits | 96.2818% | 734 |
| Net loans and leases to core deposits | 147.9440% | 158 |
| Total domestic deposits to total assets | 85.4000% | 2,382 |
| Equity capital to assets | 11.8948% | 1,064 |
| Core capital (leverage) ratio | 10.7909% | 2,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0346% | 1,882 |
| Memoranda: | ||
| Average total assets | $22,445,129,250 | 86 |
| Average earning assets | $21,068,779,000 | 84 |
| Average equity | $2,643,494,250 | 79 |
| Average total loans | $18,685,469,750 | 70 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5936% | 739 |
| Cost of funding earning assets | 1.9952% | 499 |
| Net interest margin | 3.5984% | 2,042 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 1.5550% | 4,292 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.6528% | 867 |
| Return on assets (ROA) | 1.6297% | 904 |
| Pretax return on assets | 1.8671% | 904 |
| Return on Equity (ROE) | 13.8800% | 1,708 |
| Retained earnings to average equity (ytd only) | 7.7004% | 2,065 |
| Net charge-offs to loans | 0.0737% | 833 |
| Credit loss provision to net charge-offs | 226.1556% | 993 |
| Earnings coverage of net charge-offs (x) | 33.4372% | 1,498 |
| Efficiency ratio | 42.9529% | 4,302 |
| Assets per employee ($millions) | 18.3003% | 114 |
| Cash dividends to net income (ytd only)* | 44.5393% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8152% | 3,983 |
| Loan loss allowance to noncurrent loans | 207.0190% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.3434% | 1,541 |
| Noncurrent loans to loans | 0.3938% | 1,750 |
| Net loans and leases to total assets | 82.0400% | 423 |
| Net loans and leases to deposits | 98.7055% | 573 |
| Net loans and leases to core deposits | 151.3517% | 138 |
| Total domestic deposits to total assets | 82.3200% | 3,167 |
| Equity capital to assets | 11.6253% | 1,163 |
| Core capital (leverage) ratio | 10.7845% | 2,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6882% | 2,026 |
| Memoranda: | ||
| Average total assets | $22,318,577,667 | 85 |
| Average earning assets | $20,948,327,667 | 82 |
| Average equity | $2,619,669,667 | 77 |
| Average total loans | $18,553,035,333 | 68 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5425% | 580 |
| Cost of funding earning assets | 1.7804% | 470 |
| Net interest margin | 3.7621% | 1,763 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 1.5032% | 4,385 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.7571% | 737 |
| Return on assets (ROA) | 1.7126% | 798 |
| Pretax return on assets | 2.0544% | 707 |
| Return on Equity (ROE) | 14.5200% | 1,657 |
| Retained earnings to average equity (ytd only) | 6.0316% | 2,751 |
| Net charge-offs to loans | 0.1061% | 575 |
| Credit loss provision to net charge-offs | 67.0167% | 1,254 |
| Earnings coverage of net charge-offs (x) | 25.5123% | 1,365 |
| Efficiency ratio | 39.8718% | 4,453 |
| Assets per employee ($millions) | 17.7118% | 127 |
| Cash dividends to net income (ytd only)* | 58.4540% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7897% | 4,102 |
| Loan loss allowance to noncurrent loans | 167.8900% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.4105% | 1,257 |
| Noncurrent loans to loans | 0.4704% | 1,541 |
| Net loans and leases to total assets | 82.6800% | 313 |
| Net loans and leases to deposits | 97.4587% | 568 |
| Net loans and leases to core deposits | 147.9769% | 130 |
| Total domestic deposits to total assets | 84.1100% | 3,071 |
| Equity capital to assets | 11.8939% | 1,032 |
| Core capital (leverage) ratio | 10.6381% | 2,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7391% | 2,070 |
| Memoranda: | ||
| Average total assets | $21,976,131,500 | 91 |
| Average earning assets | $20,607,346,000 | 88 |
| Average equity | $2,592,397,500 | 80 |
| Average total loans | $18,315,674,500 | 72 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2502% | 1,156 |
| Cost of funding earning assets | 0.5630% | 1,049 |
| Net interest margin | 3.6872% | 1,407 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 1.4023% | 4,508 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.7181% | 524 |
| Return on assets (ROA) | 1.7148% | 498 |
| Pretax return on assets | 2.2523% | 287 |
| Return on Equity (ROE) | 14.5600% | 1,379 |
| Retained earnings to average equity (ytd only) | 5.3054% | 2,923 |
| Net charge-offs to loans | 0.0147% | 1,837 |
| Credit loss provision to net charge-offs | 499.5358% | 682 |
| Earnings coverage of net charge-offs (x) | 192.0634% | 662 |
| Efficiency ratio | 37.3896% | 4,587 |
| Assets per employee ($millions) | 18.3885% | 114 |
| Cash dividends to net income (ytd only)* | 63.5558% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8011% | 4,026 |
| Loan loss allowance to noncurrent loans | 182.2179% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.3843% | 1,331 |
| Noncurrent loans to loans | 0.4397% | 1,605 |
| Net loans and leases to total assets | 82.5400% | 367 |
| Net loans and leases to deposits | 97.9331% | 528 |
| Net loans and leases to core deposits | 138.0466% | 154 |
| Total domestic deposits to total assets | 83.4400% | 3,324 |
| Equity capital to assets | 11.6785% | 1,023 |
| Core capital (leverage) ratio | 10.5295% | 2,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5964% | 2,127 |
| Memoranda: | ||
| Average total assets | $21,358,131,800 | 94 |
| Average earning assets | $20,049,260,400 | 92 |
| Average equity | $2,515,884,800 | 87 |
| Average total loans | $17,601,116,600 | 76 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9374% | 1,391 |
| Cost of funding earning assets | 0.3476% | 1,727 |
| Net interest margin | 3.5899% | 1,413 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 1.3767% | 4,525 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.6811% | 551 |
| Return on assets (ROA) | 1.6780% | 544 |
| Pretax return on assets | 2.1823% | 329 |
| Return on Equity (ROE) | 14.2100% | 1,370 |
| Retained earnings to average equity (ytd only) | 4.3596% | 3,333 |
| Net charge-offs to loans | 0.0004% | 2,334 |
| Credit loss provision to net charge-offs | 25,936.7347% | 23 |
| Earnings coverage of net charge-offs (x) | 7,364.0612% | 10 |
| Efficiency ratio | 37.6384% | 4,623 |
| Assets per employee ($millions) | 18.3979% | 120 |
| Cash dividends to net income (ytd only)* | 69.3266% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8203% | 4,048 |
| Loan loss allowance to noncurrent loans | 208.8396% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.3443% | 1,574 |
| Noncurrent loans to loans | 0.3928% | 1,831 |
| Net loans and leases to total assets | 82.2500% | 366 |
| Net loans and leases to deposits | 96.7346% | 515 |
| Net loans and leases to core deposits | 123.0229% | 206 |
| Total domestic deposits to total assets | 84.2100% | 3,450 |
| Equity capital to assets | 11.4389% | 1,025 |
| Core capital (leverage) ratio | 10.4226% | 2,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4248% | 2,303 |
| Memoranda: | ||
| Average total assets | $21,204,104,000 | 96 |
| Average earning assets | $19,917,544,250 | 94 |
| Average equity | $2,503,289,250 | 91 |
| Average total loans | $17,430,239,500 | 78 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6699% | 1,624 |
| Cost of funding earning assets | 0.2502% | 2,267 |
| Net interest margin | 3.4197% | 1,538 |
| Noninterest income to average assets | 0.2840% | 3,473 |
| Noninterest expense to average assets | 1.3759% | 4,548 |
| Loan and lease loss provision to assets | 0.1062% | 939 |
| Net operating income to assets | 1.5667% | 593 |
| Return on assets (ROA) | 1.5638% | 583 |
| Pretax return on assets | 2.0143% | 366 |
| Return on Equity (ROE) | 13.1046% | 1,355 |
| Retained earnings to average equity (ytd only) | 2.7197% | 3,538 |
| Net charge-offs to loans | -0.0059% | 3,398 |
| Credit loss provision to net charge-offs | -2,383.2677% | 3,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.1826% | 4,632 |
| Assets per employee ($millions) | 17.4650% | 132 |
| Cash dividends to net income (ytd only)* | 79.2465% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8346% | 4,119 |
| Loan loss allowance to noncurrent loans | 238.5505% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.3131% | 1,757 |
| Noncurrent loans to loans | 0.3498% | 2,100 |
| Net loans and leases to total assets | 83.3070% | 216 |
| Net loans and leases to deposits | 96.4581% | 412 |
| Net loans and leases to core deposits | 115.5278% | 254 |
| Total domestic deposits to total assets | 85.3959% | 3,396 |
| Equity capital to assets | 11.7618% | 946 |
| Core capital (leverage) ratio | 10.4736% | 1,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4561% | 2,302 |
| Memoranda: | ||
| Average total assets | $20,980,451,000 | 95 |
| Average earning assets | $19,731,378,667 | 94 |
| Average equity | $2,503,628,000 | 91 |
| Average total loans | $17,193,265,667 | 77 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5088% | 1,784 |
| Cost of funding earning assets | 0.2351% | 2,318 |
| Net interest margin | 3.2737% | 1,635 |
| Noninterest income to average assets | 0.2706% | 3,514 |
| Noninterest expense to average assets | 1.3773% | 4,557 |
| Loan and lease loss provision to assets | 0.1657% | 476 |
| Net operating income to assets | 1.3983% | 803 |
| Return on assets (ROA) | 1.3939% | 806 |
| Pretax return on assets | 1.8028% | 544 |
| Return on Equity (ROE) | 11.5963% | 1,424 |
| Retained earnings to average equity (ytd only) | -0.3677% | 4,067 |
| Net charge-offs to loans | -0.0069% | 3,453 |
| Credit loss provision to net charge-offs | -3,220.3448% | 3,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9687% | 4,626 |
| Assets per employee ($millions) | 16.9641% | 143 |
| Cash dividends to net income (ytd only)* | 103.1708% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8377% | 4,181 |
| Loan loss allowance to noncurrent loans | 168.3674% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.4348% | 1,400 |
| Noncurrent loans to loans | 0.4975% | 1,782 |
| Net loans and leases to total assets | 82.7754% | 131 |
| Net loans and leases to deposits | 95.3470% | 301 |
| Net loans and leases to core deposits | 113.4156% | 197 |
| Total domestic deposits to total assets | 86.0243% | 3,255 |
| Equity capital to assets | 11.9153% | 988 |
| Core capital (leverage) ratio | 10.4197% | 1,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6509% | 2,364 |
| Memoranda: | ||
| Average total assets | $20,860,718,000 | 98 |
| Average earning assets | $19,631,621,500 | 95 |
| Average equity | $2,507,521,500 | 92 |
| Average total loans | $16,876,676,000 | 79 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6131% | 2,346 |
| Cost of funding earning assets | 0.3458% | 1,974 |
| Net interest margin | 3.2673% | 2,419 |
| Noninterest income to average assets | 0.2648% | 3,796 |
| Noninterest expense to average assets | 1.4390% | 4,595 |
| Loan and lease loss provision to assets | -0.0814% | 4,480 |
| Net operating income to assets | 1.5410% | 935 |
| Return on assets (ROA) | 1.5382% | 980 |
| Pretax return on assets | 1.9725% | 639 |
| Return on Equity (ROE) | 12.0389% | 1,803 |
| Retained earnings to average equity (ytd only) | 2.8816% | 3,686 |
| Net charge-offs to loans | 0.1109% | 797 |
| Credit loss provision to net charge-offs | -63.6441% | 3,286 |
| Earnings coverage of net charge-offs (x) | 21.1463% | 1,829 |
| Efficiency ratio | 43.0622% | 4,605 |
| Assets per employee ($millions) | 17.8398% | 138 |
| Cash dividends to net income (ytd only)* | 76.0645% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8328% | 4,205 |
| Loan loss allowance to noncurrent loans | 202.4519% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.3431% | 1,854 |
| Noncurrent loans to loans | 0.4113% | 2,125 |
| Net loans and leases to total assets | 77.6793% | 401 |
| Net loans and leases to deposits | 89.6813% | 576 |
| Net loans and leases to core deposits | 109.4498% | 294 |
| Total domestic deposits to total assets | 85.5111% | 3,088 |
| Equity capital to assets | 12.1252% | 1,203 |
| Core capital (leverage) ratio | 10.8191% | 1,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2102% | 2,156 |
| Memoranda: | ||
| Average total assets | $19,657,698,000 | 101 |
| Average earning assets | $18,463,514,000 | 98 |
| Average equity | $2,511,650,800 | 94 |
| Average total loans | $15,875,796,800 | 81 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6540% | 2,404 |
| Cost of funding earning assets | 0.3770% | 1,874 |
| Net interest margin | 3.2770% | 2,486 |
| Noninterest income to average assets | 0.2593% | 3,847 |
| Noninterest expense to average assets | 1.4494% | 4,644 |
| Loan and lease loss provision to assets | -0.1344% | 4,669 |
| Net operating income to assets | 1.5837% | 1,069 |
| Return on assets (ROA) | 1.5796% | 1,128 |
| Pretax return on assets | 2.0146% | 778 |
| Return on Equity (ROE) | 12.1955% | 1,980 |
| Retained earnings to average equity (ytd only) | 3.9516% | 3,589 |
| Net charge-offs to loans | 0.1466% | 560 |
| Credit loss provision to net charge-offs | -90.6777% | 3,216 |
| Earnings coverage of net charge-offs (x) | 15.7976% | 1,856 |
| Efficiency ratio | 43.3563% | 4,607 |
| Assets per employee ($millions) | 16.9480% | 147 |
| Cash dividends to net income (ytd only)* | 67.5976% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8253% | 4,312 |
| Loan loss allowance to noncurrent loans | 180.7936% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.3942% | 1,868 |
| Noncurrent loans to loans | 0.4565% | 2,193 |
| Net loans and leases to total assets | 79.8946% | 298 |
| Net loans and leases to deposits | 93.0512% | 448 |
| Net loans and leases to core deposits | 117.5359% | 210 |
| Total domestic deposits to total assets | 84.8704% | 3,159 |
| Equity capital to assets | 12.7737% | 1,064 |
| Core capital (leverage) ratio | 11.0245% | 1,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6311% | 2,116 |
| Memoranda: | ||
| Average total assets | $19,353,969,750 | 103 |
| Average earning assets | $18,163,816,250 | 100 |
| Average equity | $2,506,851,000 | 93 |
| Average total loans | $15,757,281,000 | 83 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6515% | 2,465 |
| Cost of funding earning assets | 0.4048% | 1,845 |
| Net interest margin | 3.2467% | 2,613 |
| Noninterest income to average assets | 0.2642% | 3,816 |
| Noninterest expense to average assets | 1.4452% | 4,680 |
| Loan and lease loss provision to assets | -0.2351% | 4,791 |
| Net operating income to assets | 1.6266% | 992 |
| Return on assets (ROA) | 1.6206% | 1,065 |
| Pretax return on assets | 2.0946% | 689 |
| Return on Equity (ROE) | 12.4524% | 1,892 |
| Retained earnings to average equity (ytd only) | 5.2450% | 3,099 |
| Net charge-offs to loans | 0.1915% | 448 |
| Credit loss provision to net charge-offs | -124.6187% | 3,098 |
| Earnings coverage of net charge-offs (x) | 11.9325% | 1,737 |
| Efficiency ratio | 43.5239% | 4,639 |
| Assets per employee ($millions) | 16.4798% | 158 |
| Cash dividends to net income (ytd only)* | 57.8793% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8359% | 4,308 |
| Loan loss allowance to noncurrent loans | 189.5448% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.3834% | 2,076 |
| Noncurrent loans to loans | 0.4410% | 2,348 |
| Net loans and leases to total assets | 80.5495% | 282 |
| Net loans and leases to deposits | 94.0056% | 461 |
| Net loans and leases to core deposits | 121.7937% | 198 |
| Total domestic deposits to total assets | 84.5525% | 3,269 |
| Equity capital to assets | 13.0766% | 924 |
| Core capital (leverage) ratio | 11.2356% | 1,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1849% | 1,908 |
| Memoranda: | ||
| Average total assets | $19,189,934,333 | 103 |
| Average earning assets | $18,015,609,000 | 100 |
| Average equity | $2,497,442,000 | 92 |
| Average total loans | $15,680,415,000 | 83 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6439% | 2,510 |
| Cost of funding earning assets | 0.4528% | 1,700 |
| Net interest margin | 3.1911% | 2,732 |
| Noninterest income to average assets | 0.2473% | 3,916 |
| Noninterest expense to average assets | 1.4783% | 4,672 |
| Loan and lease loss provision to assets | -0.2837% | 4,853 |
| Net operating income to assets | 1.5913% | 1,144 |
| Return on assets (ROA) | 1.5904% | 1,196 |
| Pretax return on assets | 2.0457% | 882 |
| Return on Equity (ROE) | 12.2431% | 1,928 |
| Retained earnings to average equity (ytd only) | 5.8004% | 2,962 |
| Net charge-offs to loans | 0.1980% | 410 |
| Credit loss provision to net charge-offs | -156.0969% | 2,909 |
| Earnings coverage of net charge-offs (x) | 10.8623% | 1,482 |
| Efficiency ratio | 45.4953% | 4,500 |
| Assets per employee ($millions) | 16.1172% | 161 |
| Cash dividends to net income (ytd only)* | 52.6233% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9399% | 4,051 |
| Loan loss allowance to noncurrent loans | 152.5925% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.5279% | 1,801 |
| Noncurrent loans to loans | 0.6159% | 2,029 |
| Net loans and leases to total assets | 80.7888% | 295 |
| Net loans and leases to deposits | 94.5327% | 464 |
| Net loans and leases to core deposits | 125.5390% | 188 |
| Total domestic deposits to total assets | 84.1889% | 3,375 |
| Equity capital to assets | 13.0088% | 911 |
| Core capital (leverage) ratio | 11.2869% | 1,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2536% | 1,833 |
| Memoranda: | ||
| Average total assets | $19,117,952,500 | 103 |
| Average earning assets | $17,938,612,000 | 98 |
| Average equity | $2,483,427,000 | 93 |
| Average total loans | $15,669,578,500 | 84 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9989% | 2,727 |
| Cost of funding earning assets | 0.8189% | 1,134 |
| Net interest margin | 3.1800% | 3,407 |
| Noninterest income to average assets | 0.2504% | 3,989 |
| Noninterest expense to average assets | 1.5117% | 4,773 |
| Loan and lease loss provision to assets | 0.3072% | 1,220 |
| Net operating income to assets | 1.2570% | 1,368 |
| Return on assets (ROA) | 1.2626% | 1,460 |
| Pretax return on assets | 1.4166% | 1,605 |
| Return on Equity (ROE) | 9.7704% | 2,083 |
| Retained earnings to average equity (ytd only) | 3.7348% | 2,964 |
| Net charge-offs to loans | 0.0914% | 1,541 |
| Credit loss provision to net charge-offs | 405.3292% | 1,419 |
| Earnings coverage of net charge-offs (x) | 22.6611% | 1,840 |
| Efficiency ratio | 46.7014% | 4,684 |
| Assets per employee ($millions) | 15.7877% | 156 |
| Cash dividends to net income (ytd only)* | 61.7744% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 3,631 |
| Loan loss allowance to noncurrent loans | 229.2712% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.4077% | 2,367 |
| Noncurrent loans to loans | 0.4635% | 2,574 |
| Net loans and leases to total assets | 81.4985% | 328 |
| Net loans and leases to deposits | 95.9416% | 556 |
| Net loans and leases to core deposits | 130.2291% | 202 |
| Total domestic deposits to total assets | 83.7494% | 3,186 |
| Equity capital to assets | 12.9711% | 1,097 |
| Core capital (leverage) ratio | 11.1701% | 1,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9651% | 1,862 |
| Memoranda: | ||
| Average total assets | $18,718,351,400 | 99 |
| Average earning assets | $17,533,820,800 | 96 |
| Average equity | $2,418,970,400 | 91 |
| Average total loans | $15,521,166,400 | 82 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0732% | 2,750 |
| Cost of funding earning assets | 0.8937% | 1,086 |
| Net interest margin | 3.1795% | 3,545 |
| Noninterest income to average assets | 0.2610% | 3,910 |
| Noninterest expense to average assets | 1.4923% | 4,807 |
| Loan and lease loss provision to assets | 0.4470% | 725 |
| Net operating income to assets | 1.1727% | 1,736 |
| Return on assets (ROA) | 1.1765% | 1,841 |
| Pretax return on assets | 1.3038% | 2,033 |
| Return on Equity (ROE) | 9.1127% | 2,348 |
| Retained earnings to average equity (ytd only) | 3.7945% | 3,140 |
| Net charge-offs to loans | 0.0568% | 1,796 |
| Credit loss provision to net charge-offs | 947.8314% | 860 |
| Earnings coverage of net charge-offs (x) | 37.0356% | 1,418 |
| Efficiency ratio | 45.9591% | 4,710 |
| Assets per employee ($millions) | 15.7292% | 145 |
| Cash dividends to net income (ytd only)* | 58.3597% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 2,946 |
| Loan loss allowance to noncurrent loans | 223.8481% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.4470% | 2,398 |
| Noncurrent loans to loans | 0.5130% | 2,517 |
| Net loans and leases to total assets | 81.1606% | 509 |
| Net loans and leases to deposits | 95.9912% | 761 |
| Net loans and leases to core deposits | 134.4871% | 197 |
| Total domestic deposits to total assets | 83.2615% | 3,074 |
| Equity capital to assets | 12.8709% | 1,241 |
| Core capital (leverage) ratio | 10.8661% | 1,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8948% | 1,859 |
| Memoranda: | ||
| Average total assets | $18,641,893,750 | 99 |
| Average earning assets | $17,459,868,500 | 96 |
| Average equity | $2,406,802,500 | 90 |
| Average total loans | $15,483,716,250 | 82 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1631% | 2,870 |
| Cost of funding earning assets | 0.9632% | 1,095 |
| Net interest margin | 3.1999% | 3,669 |
| Noninterest income to average assets | 0.2720% | 3,850 |
| Noninterest expense to average assets | 1.4459% | 4,880 |
| Loan and lease loss provision to assets | 0.5399% | 626 |
| Net operating income to assets | 1.1282% | 1,881 |
| Return on assets (ROA) | 1.1314% | 1,987 |
| Pretax return on assets | 1.2859% | 2,084 |
| Return on Equity (ROE) | 8.7541% | 2,469 |
| Retained earnings to average equity (ytd only) | 3.6577% | 3,092 |
| Net charge-offs to loans | 0.0459% | 1,831 |
| Credit loss provision to net charge-offs | 1,410.8352% | 624 |
| Earnings coverage of net charge-offs (x) | 47.6174% | 1,140 |
| Efficiency ratio | 44.1289% | 4,806 |
| Assets per employee ($millions) | 15.8707% | 146 |
| Cash dividends to net income (ytd only)* | 58.2167% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0839% | 3,156 |
| Loan loss allowance to noncurrent loans | 218.0669% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.4301% | 2,588 |
| Noncurrent loans to loans | 0.4970% | 2,662 |
| Net loans and leases to total assets | 80.5027% | 538 |
| Net loans and leases to deposits | 94.9484% | 880 |
| Net loans and leases to core deposits | 139.0001% | 177 |
| Total domestic deposits to total assets | 83.2046% | 3,031 |
| Equity capital to assets | 12.5919% | 1,341 |
| Core capital (leverage) ratio | 10.8638% | 2,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5404% | 1,986 |
| Memoranda: | ||
| Average total assets | $18,522,229,000 | 98 |
| Average earning assets | $17,342,280,000 | 96 |
| Average equity | $2,393,877,000 | 92 |
| Average total loans | $15,444,836,333 | 82 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3999% | 2,621 |
| Cost of funding earning assets | 1.0643% | 1,167 |
| Net interest margin | 3.3356% | 3,496 |
| Noninterest income to average assets | 0.3631% | 3,342 |
| Noninterest expense to average assets | 1.5130% | 4,912 |
| Loan and lease loss provision to assets | 0.5505% | 521 |
| Net operating income to assets | 1.1619% | 1,654 |
| Return on assets (ROA) | 1.1390% | 1,831 |
| Pretax return on assets | 1.3911% | 1,590 |
| Return on Equity (ROE) | 8.6945% | 2,242 |
| Retained earnings to average equity (ytd only) | 2.6435% | 3,210 |
| Net charge-offs to loans | -0.0013% | 3,619 |
| Credit loss provision to net charge-offs | -51,020.4082% | 4,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3379% | 4,902 |
| Assets per employee ($millions) | 14.8979% | 131 |
| Cash dividends to net income (ytd only)* | 69.5961% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9530% | 3,917 |
| Loan loss allowance to noncurrent loans | 254.5372% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 3,019 |
| Noncurrent loans to loans | 0.3744% | 3,143 |
| Net loans and leases to total assets | 84.3671% | 243 |
| Net loans and leases to deposits | 101.9469% | 449 |
| Net loans and leases to core deposits | 151.6929% | 111 |
| Total domestic deposits to total assets | 81.1744% | 3,628 |
| Equity capital to assets | 13.1089% | 1,375 |
| Core capital (leverage) ratio | 11.2593% | 2,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8603% | 2,345 |
| Memoranda: | ||
| Average total assets | $18,165,699,500 | 96 |
| Average earning assets | $16,988,258,000 | 93 |
| Average equity | $2,379,768,000 | 93 |
| Average total loans | $15,339,949,500 | 80 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7381% | 2,213 |
| Cost of funding earning assets | 1.1516% | 1,154 |
| Net interest margin | 3.5865% | 3,177 |
| Noninterest income to average assets | 0.2166% | 4,369 |
| Noninterest expense to average assets | 1.5572% | 4,975 |
| Loan and lease loss provision to assets | -0.0400% | 4,998 |
| Net operating income to assets | 1.6167% | 804 |
| Return on assets (ROA) | 1.6237% | 849 |
| Pretax return on assets | 2.0397% | 548 |
| Return on Equity (ROE) | 12.1889% | 1,442 |
| Retained earnings to average equity (ytd only) | 1.9333% | 4,029 |
| Net charge-offs to loans | -0.0537% | 4,836 |
| Credit loss provision to net charge-offs | 89.3655% | 2,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7777% | 4,985 |
| Assets per employee ($millions) | 14.8208% | 125 |
| Cash dividends to net income (ytd only)* | 84.1388% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8149% | 4,259 |
| Loan loss allowance to noncurrent loans | 262.5586% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.3000% | 3,235 |
| Noncurrent loans to loans | 0.3104% | 3,331 |
| Net loans and leases to total assets | 83.0202% | 428 |
| Net loans and leases to deposits | 101.8554% | 479 |
| Net loans and leases to core deposits | 150.8210% | 112 |
| Total domestic deposits to total assets | 79.4950% | 4,077 |
| Equity capital to assets | 13.0916% | 1,462 |
| Core capital (leverage) ratio | 11.2315% | 2,307 |
| Tier 1 risk-based capital ratio | 12.9682% | 3,804 |
| Total risk-based capital ratio | 13.8091% | 3,921 |
| Memoranda: | ||
| Average total assets | $17,494,074,400 | 92 |
| Average earning assets | $16,250,837,200 | 91 |
| Average equity | $2,330,411,200 | 90 |
| Average total loans | $14,590,603,000 | 78 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7909% | 2,148 |
| Cost of funding earning assets | 1.1484% | 1,179 |
| Net interest margin | 3.6425% | 3,122 |
| Noninterest income to average assets | 0.2148% | 4,439 |
| Noninterest expense to average assets | 1.5563% | 5,040 |
| Loan and lease loss provision to assets | -0.0154% | 5,068 |
| Net operating income to assets | 1.6332% | 856 |
| Return on assets (ROA) | 1.6434% | 881 |
| Pretax return on assets | 2.0665% | 595 |
| Return on Equity (ROE) | 12.2815% | 1,522 |
| Retained earnings to average equity (ytd only) | 2.1456% | 4,224 |
| Net charge-offs to loans | -0.0509% | 4,841 |
| Credit loss provision to net charge-offs | 36.2516% | 2,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1829% | 5,042 |
| Assets per employee ($millions) | 14.6345% | 134 |
| Cash dividends to net income (ytd only)* | 82.5299% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8488% | 4,236 |
| Loan loss allowance to noncurrent loans | 262.9493% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.3129% | 3,293 |
| Noncurrent loans to loans | 0.3228% | 3,373 |
| Net loans and leases to total assets | 81.8395% | 585 |
| Net loans and leases to deposits | 100.1109% | 624 |
| Net loans and leases to core deposits | 151.0996% | 121 |
| Total domestic deposits to total assets | 79.3892% | 4,101 |
| Equity capital to assets | 13.0964% | 1,568 |
| Core capital (leverage) ratio | 11.4331% | 2,279 |
| Tier 1 risk-based capital ratio | 13.1228% | 3,783 |
| Total risk-based capital ratio | 14.0010% | 3,878 |
| Memoranda: | ||
| Average total assets | $17,350,960,750 | 93 |
| Average earning assets | $16,100,045,250 | 92 |
| Average equity | $2,321,712,500 | 90 |
| Average total loans | $14,457,731,000 | 78 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7836% | 2,111 |
| Cost of funding earning assets | 1.1263% | 1,212 |
| Net interest margin | 3.6573% | 3,082 |
| Noninterest income to average assets | 0.2084% | 4,492 |
| Noninterest expense to average assets | 1.6080% | 5,052 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6107% | 885 |
| Return on assets (ROA) | 1.6253% | 897 |
| Pretax return on assets | 2.0122% | 666 |
| Return on Equity (ROE) | 12.0566% | 1,556 |
| Retained earnings to average equity (ytd only) | 1.5853% | 4,259 |
| Net charge-offs to loans | -0.0036% | 4,061 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5277% | 5,048 |
| Assets per employee ($millions) | 14.3472% | 116 |
| Cash dividends to net income (ytd only)* | 86.8510% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8363% | 4,316 |
| Loan loss allowance to noncurrent loans | 177.1978% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.4414% | 2,756 |
| Noncurrent loans to loans | 0.4720% | 2,865 |
| Net loans and leases to total assets | 82.7466% | 508 |
| Net loans and leases to deposits | 101.0313% | 606 |
| Net loans and leases to core deposits | 152.3337% | 123 |
| Total domestic deposits to total assets | 79.9808% | 4,044 |
| Equity capital to assets | 13.2653% | 1,455 |
| Core capital (leverage) ratio | 11.5184% | 2,148 |
| Tier 1 risk-based capital ratio | 13.1544% | 3,755 |
| Total risk-based capital ratio | 14.0223% | 3,869 |
| Memoranda: | ||
| Average total assets | $17,144,209,670 | 93 |
| Average earning assets | $15,909,010,670 | 93 |
| Average equity | $2,311,092,000 | 88 |
| Average total loans | $14,332,490,000 | 78 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7901% | 1,928 |
| Cost of funding earning assets | 1.0809% | 1,251 |
| Net interest margin | 3.7092% | 2,858 |
| Noninterest income to average assets | 0.2018% | 4,549 |
| Noninterest expense to average assets | 1.6536% | 5,057 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5551% | 994 |
| Return on assets (ROA) | 1.5683% | 992 |
| Pretax return on assets | 2.0037% | 639 |
| Return on Equity (ROE) | 11.5388% | 1,718 |
| Retained earnings to average equity (ytd only) | 1.9775% | 4,073 |
| Net charge-offs to loans | -0.0046% | 4,004 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3100% | 5,052 |
| Assets per employee ($millions) | 13.9191% | 133 |
| Cash dividends to net income (ytd only)* | 82.8625% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8562% | 4,317 |
| Loan loss allowance to noncurrent loans | 216.2112% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.3875% | 3,032 |
| Noncurrent loans to loans | 0.3960% | 3,172 |
| Net loans and leases to total assets | 83.0256% | 468 |
| Net loans and leases to deposits | 100.5932% | 589 |
| Net loans and leases to core deposits | 149.3670% | 130 |
| Total domestic deposits to total assets | 80.5373% | 4,067 |
| Equity capital to assets | 13.5250% | 1,201 |
| Core capital (leverage) ratio | 11.6962% | 1,987 |
| Tier 1 risk-based capital ratio | 13.4722% | 3,616 |
| Total risk-based capital ratio | 14.3598% | 3,729 |
| Memoranda: | ||
| Average total assets | $16,928,631,500 | 95 |
| Average earning assets | $15,694,317,500 | 96 |
| Average equity | $2,300,926,000 | 89 |
| Average total loans | $14,165,902,000 | 79 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6037% | 2,120 |
| Cost of funding earning assets | 0.7503% | 1,786 |
| Net interest margin | 3.8534% | 2,487 |
| Noninterest income to average assets | 0.2194% | 4,602 |
| Noninterest expense to average assets | 1.6210% | 5,157 |
| Loan and lease loss provision to assets | -0.0278% | 5,151 |
| Net operating income to assets | 1.7506% | 613 |
| Return on assets (ROA) | 1.7481% | 611 |
| Pretax return on assets | 2.1876% | 367 |
| Return on Equity (ROE) | 12.8109% | 1,418 |
| Retained earnings to average equity (ytd only) | 7.0187% | 1,664 |
| Net charge-offs to loans | -0.0270% | 4,777 |
| Credit loss provision to net charge-offs | 124.5847% | 2,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6948% | 5,222 |
| Assets per employee ($millions) | 13.4125% | 143 |
| Cash dividends to net income (ytd only)* | 45.2134% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8731% | 4,286 |
| Loan loss allowance to noncurrent loans | 268.4720% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.3293% | 3,236 |
| Noncurrent loans to loans | 0.3252% | 3,387 |
| Net loans and leases to total assets | 82.8814% | 527 |
| Net loans and leases to deposits | 101.2569% | 647 |
| Net loans and leases to core deposits | 142.2472% | 179 |
| Total domestic deposits to total assets | 79.8001% | 4,149 |
| Equity capital to assets | 13.6625% | 1,086 |
| Core capital (leverage) ratio | 11.8966% | 1,799 |
| Tier 1 risk-based capital ratio | 13.6609% | 3,458 |
| Total risk-based capital ratio | 14.5544% | 3,542 |
| Memoranda: | ||
| Average total assets | $16,173,147,200 | 97 |
| Average earning assets | $14,960,818,000 | 97 |
| Average equity | $2,206,824,400 | 91 |
| Average total loans | $13,399,636,600 | 83 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5410% | 2,155 |
| Cost of funding earning assets | 0.6859% | 1,939 |
| Net interest margin | 3.8551% | 2,456 |
| Noninterest income to average assets | 0.2179% | 4,661 |
| Noninterest expense to average assets | 1.5683% | 5,234 |
| Loan and lease loss provision to assets | -0.0374% | 5,271 |
| Net operating income to assets | 1.8050% | 594 |
| Return on assets (ROA) | 1.7990% | 607 |
| Pretax return on assets | 2.2439% | 372 |
| Return on Equity (ROE) | 13.1891% | 1,358 |
| Retained earnings to average equity (ytd only) | 7.4052% | 1,926 |
| Net charge-offs to loans | -0.0471% | 4,914 |
| Credit loss provision to net charge-offs | 96.1950% | 2,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3097% | 5,294 |
| Assets per employee ($millions) | 13.0368% | 155 |
| Cash dividends to net income (ytd only)* | 43.8540% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9024% | 4,253 |
| Loan loss allowance to noncurrent loans | 251.4809% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.3333% | 3,347 |
| Noncurrent loans to loans | 0.3588% | 3,361 |
| Net loans and leases to total assets | 82.4685% | 634 |
| Net loans and leases to deposits | 99.3782% | 837 |
| Net loans and leases to core deposits | 135.5875% | 250 |
| Total domestic deposits to total assets | 80.8672% | 3,902 |
| Equity capital to assets | 13.6640% | 1,070 |
| Core capital (leverage) ratio | 11.8828% | 1,854 |
| Tier 1 risk-based capital ratio | 13.8083% | 3,461 |
| Total risk-based capital ratio | 14.7429% | 3,545 |
| Memoranda: | ||
| Average total assets | $16,025,025,750 | 97 |
| Average earning assets | $14,816,330,250 | 97 |
| Average equity | $2,185,880,250 | 91 |
| Average total loans | $13,245,050,500 | 85 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4655% | 2,198 |
| Cost of funding earning assets | 0.6413% | 1,979 |
| Net interest margin | 3.8242% | 2,485 |
| Noninterest income to average assets | 0.2332% | 4,620 |
| Noninterest expense to average assets | 1.5480% | 5,305 |
| Loan and lease loss provision to assets | -0.0378% | 5,358 |
| Net operating income to assets | 1.8279% | 551 |
| Return on assets (ROA) | 1.8226% | 558 |
| Pretax return on assets | 2.2487% | 356 |
| Return on Equity (ROE) | 13.3743% | 1,247 |
| Retained earnings to average equity (ytd only) | 6.6834% | 2,219 |
| Net charge-offs to loans | -0.0247% | 4,662 |
| Credit loss provision to net charge-offs | 185.1852% | 1,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9384% | 5,378 |
| Assets per employee ($millions) | 12.9813% | 148 |
| Cash dividends to net income (ytd only)* | 50.0276% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9105% | 4,293 |
| Loan loss allowance to noncurrent loans | 231.1846% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.3580% | 3,311 |
| Noncurrent loans to loans | 0.3939% | 3,281 |
| Net loans and leases to total assets | 82.0165% | 711 |
| Net loans and leases to deposits | 100.6584% | 762 |
| Net loans and leases to core deposits | 131.5423% | 301 |
| Total domestic deposits to total assets | 79.4914% | 4,350 |
| Equity capital to assets | 13.5880% | 1,067 |
| Core capital (leverage) ratio | 11.8464% | 1,808 |
| Tier 1 risk-based capital ratio | 13.6090% | 3,560 |
| Total risk-based capital ratio | 14.5447% | 3,660 |
| Memoranda: | ||
| Average total assets | $15,886,064,330 | 97 |
| Average earning assets | $14,673,388,330 | 97 |
| Average equity | $2,164,906,330 | 91 |
| Average total loans | $13,099,814,670 | 84 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4041% | 2,181 |
| Cost of funding earning assets | 0.6059% | 2,018 |
| Net interest margin | 3.7982% | 2,433 |
| Noninterest income to average assets | 0.2295% | 4,633 |
| Noninterest expense to average assets | 1.5455% | 5,360 |
| Loan and lease loss provision to assets | -0.0762% | 5,494 |
| Net operating income to assets | 1.7322% | 642 |
| Return on assets (ROA) | 1.7191% | 672 |
| Pretax return on assets | 2.2480% | 346 |
| Return on Equity (ROE) | 12.6020% | 1,377 |
| Retained earnings to average equity (ytd only) | 6.6407% | 2,438 |
| Net charge-offs to loans | -0.0557% | 5,016 |
| Credit loss provision to net charge-offs | 166.2050% | 1,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2317% | 5,423 |
| Assets per employee ($millions) | 12.5286% | 173 |
| Cash dividends to net income (ytd only)* | 47.3044% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 4,270 |
| Loan loss allowance to noncurrent loans | 247.4943% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.3504% | 3,443 |
| Noncurrent loans to loans | 0.3788% | 3,427 |
| Net loans and leases to total assets | 81.3415% | 747 |
| Net loans and leases to deposits | 98.7166% | 812 |
| Net loans and leases to core deposits | 127.1480% | 396 |
| Total domestic deposits to total assets | 80.7129% | 4,273 |
| Equity capital to assets | 13.6146% | 1,010 |
| Core capital (leverage) ratio | 11.6073% | 1,924 |
| Tier 1 risk-based capital ratio | 13.6807% | 3,557 |
| Total risk-based capital ratio | 14.6567% | 3,629 |
| Memoranda: | ||
| Average total assets | $15,740,475,000 | 98 |
| Average earning assets | $14,522,733,000 | 98 |
| Average equity | $2,147,185,000 | 91 |
| Average total loans | $12,955,803,000 | 85 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5320% | 1,609 |
| Cost of funding earning assets | 0.5632% | 1,867 |
| Net interest margin | 3.9688% | 1,848 |
| Noninterest income to average assets | 0.2308% | 4,753 |
| Noninterest expense to average assets | 1.7392% | 5,295 |
| Loan and lease loss provision to assets | -0.0750% | 5,441 |
| Net operating income to assets | 1.5562% | 711 |
| Return on assets (ROA) | 1.5541% | 725 |
| Pretax return on assets | 2.2259% | 305 |
| Return on Equity (ROE) | 11.7382% | 1,281 |
| Retained earnings to average equity (ytd only) | -1.9457% | 5,279 |
| Net charge-offs to loans | -0.0763% | 5,302 |
| Credit loss provision to net charge-offs | 121.9458% | 2,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4871% | 5,438 |
| Assets per employee ($millions) | 12.6305% | 155 |
| Cash dividends to net income (ytd only)* | 116.5755% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9564% | 4,179 |
| Loan loss allowance to noncurrent loans | 217.0902% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.4047% | 3,240 |
| Noncurrent loans to loans | 0.4406% | 3,205 |
| Net loans and leases to total assets | 81.7777% | 711 |
| Net loans and leases to deposits | 100.2120% | 712 |
| Net loans and leases to core deposits | 129.8467% | 344 |
| Total domestic deposits to total assets | 79.5592% | 4,434 |
| Equity capital to assets | 13.6295% | 1,010 |
| Core capital (leverage) ratio | 11.7901% | 1,734 |
| Tier 1 risk-based capital ratio | 13.4326% | 3,669 |
| Total risk-based capital ratio | 14.4267% | 3,724 |
| Memoranda: | ||
| Average total assets | $14,638,985,800 | 99 |
| Average earning assets | $13,508,264,400 | 98 |
| Average equity | $1,938,093,200 | 93 |
| Average total loans | $11,804,678,600 | 87 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1305% | 2,874 |
| Cost of funding earning assets | 0.5204% | 2,107 |
| Net interest margin | 3.6101% | 3,109 |
| Noninterest income to average assets | 0.1953% | 5,037 |
| Noninterest expense to average assets | 1.4774% | 5,535 |
| Loan and lease loss provision to assets | -0.0250% | 5,488 |
| Net operating income to assets | 1.4013% | 1,086 |
| Return on assets (ROA) | 1.3986% | 1,116 |
| Pretax return on assets | 2.0721% | 476 |
| Return on Equity (ROE) | 10.6493% | 1,845 |
| Retained earnings to average equity (ytd only) | -4.0355% | 5,520 |
| Net charge-offs to loans | -0.0586% | 5,215 |
| Credit loss provision to net charge-offs | 53.3544% | 2,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7421% | 5,542 |
| Assets per employee ($millions) | 13.1998% | 138 |
| Cash dividends to net income (ytd only)* | 137.8943% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 3,971 |
| Loan loss allowance to noncurrent loans | 175.2994% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.5773% | 2,793 |
| Noncurrent loans to loans | 0.5797% | 2,952 |
| Net loans and leases to total assets | 80.9513% | 850 |
| Net loans and leases to deposits | 99.5836% | 776 |
| Net loans and leases to core deposits | 126.5325% | 397 |
| Total domestic deposits to total assets | 79.5255% | 4,431 |
| Equity capital to assets | 12.5381% | 1,640 |
| Core capital (leverage) ratio | 10.5423% | 2,943 |
| Tier 1 risk-based capital ratio | 12.3020% | 4,433 |
| Total risk-based capital ratio | 13.3588% | 4,437 |
| Memoranda: | ||
| Average total assets | $14,395,915,750 | 98 |
| Average earning assets | $13,292,054,000 | 97 |
| Average equity | $1,890,682,000 | 93 |
| Average total loans | $11,533,393,250 | 85 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0297% | 3,092 |
| Cost of funding earning assets | 0.5155% | 2,054 |
| Net interest margin | 3.5142% | 3,344 |
| Noninterest income to average assets | 0.1944% | 5,075 |
| Noninterest expense to average assets | 1.4926% | 5,578 |
| Loan and lease loss provision to assets | -0.0349% | 5,589 |
| Net operating income to assets | 1.4479% | 953 |
| Return on assets (ROA) | 1.4432% | 994 |
| Pretax return on assets | 1.9756% | 554 |
| Return on Equity (ROE) | 10.8223% | 1,708 |
| Retained earnings to average equity (ytd only) | 7.1588% | 1,514 |
| Net charge-offs to loans | 0.0115% | 3,056 |
| Credit loss provision to net charge-offs | -380.5175% | 4,611 |
| Earnings coverage of net charge-offs (x) | 212.3242% | 393 |
| Efficiency ratio | 43.2524% | 5,542 |
| Assets per employee ($millions) | 12.6939% | 146 |
| Cash dividends to net income (ytd only)* | 33.8511% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9975% | 4,160 |
| Loan loss allowance to noncurrent loans | 179.4403% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.5642% | 2,883 |
| Noncurrent loans to loans | 0.5559% | 3,071 |
| Net loans and leases to total assets | 80.3412% | 897 |
| Net loans and leases to deposits | 99.9481% | 742 |
| Net loans and leases to core deposits | 125.1213% | 413 |
| Total domestic deposits to total assets | 78.5352% | 4,722 |
| Equity capital to assets | 13.6624% | 1,085 |
| Core capital (leverage) ratio | 11.6905% | 1,834 |
| Tier 1 risk-based capital ratio | 13.8042% | 3,535 |
| Total risk-based capital ratio | 14.8514% | 3,558 |
| Memoranda: | ||
| Average total assets | $14,328,213,000 | 99 |
| Average earning assets | $13,232,060,000 | 96 |
| Average equity | $1,910,761,330 | 91 |
| Average total loans | $11,398,049,330 | 84 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9584% | 3,180 |
| Cost of funding earning assets | 0.5221% | 1,928 |
| Net interest margin | 3.4363% | 3,500 |
| Noninterest income to average assets | 0.2053% | 5,046 |
| Noninterest expense to average assets | 1.4363% | 5,672 |
| Loan and lease loss provision to assets | -0.0697% | 5,732 |
| Net operating income to assets | 1.4082% | 984 |
| Return on assets (ROA) | 1.3991% | 1,034 |
| Pretax return on assets | 1.9957% | 506 |
| Return on Equity (ROE) | 10.6216% | 1,694 |
| Retained earnings to average equity (ytd only) | 3.2098% | 3,824 |
| Net charge-offs to loans | 0.0327% | 2,120 |
| Credit loss provision to net charge-offs | -271.1497% | 4,099 |
| Earnings coverage of net charge-offs (x) | 75.3905% | 684 |
| Efficiency ratio | 42.4116% | 5,643 |
| Assets per employee ($millions) | 12.7537% | 145 |
| Cash dividends to net income (ytd only)* | 69.7809% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 4,190 |
| Loan loss allowance to noncurrent loans | 214.7977% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.4974% | 3,234 |
| Noncurrent loans to loans | 0.4727% | 3,398 |
| Net loans and leases to total assets | 79.3624% | 920 |
| Net loans and leases to deposits | 96.7722% | 865 |
| Net loans and leases to core deposits | 122.9646% | 390 |
| Total domestic deposits to total assets | 79.7800% | 4,663 |
| Equity capital to assets | 13.3702% | 1,119 |
| Core capital (leverage) ratio | 11.2633% | 2,130 |
| Tier 1 risk-based capital ratio | 13.4434% | 3,806 |
| Total risk-based capital ratio | 14.4878% | 3,843 |
| Memoranda: | ||
| Average total assets | $14,339,317,500 | 99 |
| Average earning assets | $13,228,205,000 | 95 |
| Average equity | $1,888,869,500 | 89 |
| Average total loans | $11,292,360,500 | 85 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9694% | 3,313 |
| Cost of funding earning assets | 0.5994% | 1,334 |
| Net interest margin | 3.3700% | 3,923 |
| Noninterest income to average assets | 0.2246% | 5,067 |
| Noninterest expense to average assets | 1.6277% | 5,629 |
| Loan and lease loss provision to assets | -0.1144% | 5,703 |
| Net operating income to assets | 1.2974% | 1,218 |
| Return on assets (ROA) | 1.3242% | 1,215 |
| Pretax return on assets | 1.8470% | 697 |
| Return on Equity (ROE) | 9.8783% | 2,011 |
| Retained earnings to average equity (ytd only) | 3.6942% | 3,283 |
| Net charge-offs to loans | 0.0408% | 3,216 |
| Credit loss provision to net charge-offs | -360.1012% | 5,112 |
| Earnings coverage of net charge-offs (x) | 53.3836% | 969 |
| Efficiency ratio | 48.8300% | 5,539 |
| Assets per employee ($millions) | 13.1911% | 126 |
| Cash dividends to net income (ytd only)* | 62.6031% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 3,941 |
| Loan loss allowance to noncurrent loans | 208.0480% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.5123% | 3,215 |
| Noncurrent loans to loans | 0.5104% | 3,317 |
| Net loans and leases to total assets | 76.5328% | 1,433 |
| Net loans and leases to deposits | 94.6628% | 1,123 |
| Net loans and leases to core deposits | 123.1410% | 401 |
| Total domestic deposits to total assets | 78.7643% | 4,850 |
| Equity capital to assets | 12.9791% | 1,268 |
| Core capital (leverage) ratio | 11.1597% | 2,200 |
| Tier 1 risk-based capital ratio | 13.3533% | 3,855 |
| Total risk-based capital ratio | 14.4302% | 3,882 |
| Memoranda: | ||
| Average total assets | $13,684,881,800 | 98 |
| Average earning assets | $12,581,887,400 | 96 |
| Average equity | $1,834,499,200 | 87 |
| Average total loans | $10,650,197,000 | 88 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9674% | 3,336 |
| Cost of funding earning assets | 0.6037% | 1,295 |
| Net interest margin | 3.3637% | 3,979 |
| Noninterest income to average assets | 0.2365% | 5,055 |
| Noninterest expense to average assets | 1.6767% | 5,624 |
| Loan and lease loss provision to assets | -0.1547% | 5,844 |
| Net operating income to assets | 1.2793% | 1,355 |
| Return on assets (ROA) | 1.3028% | 1,380 |
| Pretax return on assets | 1.8383% | 823 |
| Return on Equity (ROE) | 9.6364% | 2,211 |
| Retained earnings to average equity (ytd only) | 2.4368% | 4,459 |
| Net charge-offs to loans | 0.0681% | 2,352 |
| Credit loss provision to net charge-offs | -291.3796% | 4,948 |
| Earnings coverage of net charge-offs (x) | 31.0793% | 1,453 |
| Efficiency ratio | 50.2407% | 5,485 |
| Assets per employee ($millions) | 12.8347% | 131 |
| Cash dividends to net income (ytd only)* | 74.7126% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 4,014 |
| Loan loss allowance to noncurrent loans | 240.1637% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.4771% | 3,528 |
| Noncurrent loans to loans | 0.4460% | 3,680 |
| Net loans and leases to total assets | 77.4995% | 1,283 |
| Net loans and leases to deposits | 99.3606% | 747 |
| Net loans and leases to core deposits | 127.1636% | 349 |
| Total domestic deposits to total assets | 75.9292% | 5,242 |
| Equity capital to assets | 13.2095% | 1,387 |
| Core capital (leverage) ratio | 11.5224% | 2,009 |
| Tier 1 risk-based capital ratio | 13.2185% | 4,022 |
| Total risk-based capital ratio | 14.2920% | 4,048 |
| Memoranda: | ||
| Average total assets | $13,485,148,500 | 97 |
| Average earning assets | $12,390,322,000 | 95 |
| Average equity | $1,823,157,000 | 86 |
| Average total loans | $10,511,788,250 | 87 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0079% | 3,214 |
| Cost of funding earning assets | 0.6104% | 1,245 |
| Net interest margin | 3.3975% | 3,904 |
| Noninterest income to average assets | 0.2404% | 5,046 |
| Noninterest expense to average assets | 1.7863% | 5,607 |
| Loan and lease loss provision to assets | -0.2354% | 5,950 |
| Net operating income to assets | 1.2518% | 1,412 |
| Return on assets (ROA) | 1.2690% | 1,475 |
| Pretax return on assets | 1.8314% | 820 |
| Return on Equity (ROE) | 9.3110% | 2,355 |
| Retained earnings to average equity (ytd only) | -0.1810% | 5,321 |
| Net charge-offs to loans | 0.0070% | 3,444 |
| Credit loss provision to net charge-offs | -4,299.4505% | 5,311 |
| Earnings coverage of net charge-offs (x) | 286.9368% | 240 |
| Efficiency ratio | 53.0500% | 5,381 |
| Assets per employee ($millions) | 12.3936% | 141 |
| Cash dividends to net income (ytd only)* | 101.9440% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 3,534 |
| Loan loss allowance to noncurrent loans | 219.3033% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.5907% | 3,248 |
| Noncurrent loans to loans | 0.5329% | 3,479 |
| Net loans and leases to total assets | 77.3142% | 1,288 |
| Net loans and leases to deposits | 99.0543% | 782 |
| Net loans and leases to core deposits | 125.8521% | 372 |
| Total domestic deposits to total assets | 75.5039% | 5,353 |
| Equity capital to assets | 13.5395% | 1,219 |
| Core capital (leverage) ratio | 11.3899% | 2,068 |
| Tier 1 risk-based capital ratio | 13.3009% | 4,020 |
| Total risk-based capital ratio | 14.4535% | 3,990 |
| Memoranda: | ||
| Average total assets | $13,295,520,330 | 98 |
| Average earning assets | $12,197,879,330 | 97 |
| Average equity | $1,812,053,000 | 86 |
| Average total loans | $10,345,800,000 | 88 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0373% | 3,080 |
| Cost of funding earning assets | 0.6114% | 1,261 |
| Net interest margin | 3.4260% | 3,785 |
| Noninterest income to average assets | 0.2396% | 5,026 |
| Noninterest expense to average assets | 1.5252% | 5,891 |
| Loan and lease loss provision to assets | -0.3177% | 6,055 |
| Net operating income to assets | 1.4508% | 942 |
| Return on assets (ROA) | 1.4508% | 985 |
| Pretax return on assets | 2.1760% | 399 |
| Return on Equity (ROE) | 10.6092% | 1,740 |
| Retained earnings to average equity (ytd only) | -2.6670% | 5,445 |
| Net charge-offs to loans | -0.2375% | 5,887 |
| Credit loss provision to net charge-offs | 172.4138% | 1,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9232% | 5,844 |
| Assets per employee ($millions) | 12.0728% | 154 |
| Cash dividends to net income (ytd only)* | 125.1382% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2993% | 2,900 |
| Loan loss allowance to noncurrent loans | 301.3955% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.5209% | 3,517 |
| Noncurrent loans to loans | 0.4311% | 3,897 |
| Net loans and leases to total assets | 77.3203% | 1,204 |
| Net loans and leases to deposits | 98.8629% | 696 |
| Net loans and leases to core deposits | 126.6354% | 326 |
| Total domestic deposits to total assets | 75.9430% | 5,415 |
| Equity capital to assets | 13.6741% | 1,106 |
| Core capital (leverage) ratio | 11.3955% | 2,056 |
| Tier 1 risk-based capital ratio | 13.2708% | 4,111 |
| Total risk-based capital ratio | 14.5211% | 4,038 |
| Memoranda: | ||
| Average total assets | $13,219,778,500 | 99 |
| Average earning assets | $12,131,276,000 | 98 |
| Average equity | $1,807,754,000 | 87 |
| Average total loans | $10,259,001,000 | 89 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0495% | 3,116 |
| Cost of funding earning assets | 0.6083% | 1,321 |
| Net interest margin | 3.4412% | 3,751 |
| Noninterest income to average assets | 0.2993% | 4,741 |
| Noninterest expense to average assets | 1.6458% | 5,887 |
| Loan and lease loss provision to assets | -0.0932% | 5,844 |
| Net operating income to assets | 1.3705% | 1,099 |
| Return on assets (ROA) | 1.3735% | 1,136 |
| Pretax return on assets | 1.9050% | 651 |
| Return on Equity (ROE) | 9.6406% | 2,161 |
| Retained earnings to average equity (ytd only) | 0.2735% | 5,403 |
| Net charge-offs to loans | 0.1157% | 2,217 |
| Credit loss provision to net charge-offs | -103.0928% | 5,155 |
| Earnings coverage of net charge-offs (x) | 20.0036% | 1,907 |
| Efficiency ratio | 47.4980% | 5,859 |
| Assets per employee ($millions) | 12.0619% | 146 |
| Cash dividends to net income (ytd only)* | 97.1631% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3675% | 2,568 |
| Loan loss allowance to noncurrent loans | 239.2844% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.6031% | 3,273 |
| Noncurrent loans to loans | 0.5715% | 3,460 |
| Net loans and leases to total assets | 75.8176% | 1,449 |
| Net loans and leases to deposits | 95.0986% | 1,103 |
| Net loans and leases to core deposits | 126.1463% | 332 |
| Total domestic deposits to total assets | 77.3671% | 5,259 |
| Equity capital to assets | 13.6751% | 1,051 |
| Core capital (leverage) ratio | 11.5348% | 1,934 |
| Tier 1 risk-based capital ratio | 13.5352% | 3,988 |
| Total risk-based capital ratio | 14.7860% | 3,921 |
| Memoranda: | ||
| Average total assets | $12,236,808,800 | 100 |
| Average earning assets | $11,215,879,200 | 100 |
| Average equity | $1,743,340,400 | 88 |
| Average total loans | $9,560,084,800 | 91 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0595% | 3,103 |
| Cost of funding earning assets | 0.6015% | 1,396 |
| Net interest margin | 3.4579% | 3,727 |
| Noninterest income to average assets | 0.3179% | 4,666 |
| Noninterest expense to average assets | 1.6516% | 5,945 |
| Loan and lease loss provision to assets | -0.0934% | 5,986 |
| Net operating income to assets | 1.3975% | 1,113 |
| Return on assets (ROA) | 1.4016% | 1,149 |
| Pretax return on assets | 1.9334% | 680 |
| Return on Equity (ROE) | 9.7302% | 2,203 |
| Retained earnings to average equity (ytd only) | -0.7142% | 5,719 |
| Net charge-offs to loans | 0.0417% | 3,049 |
| Credit loss provision to net charge-offs | -285.3261% | 5,255 |
| Earnings coverage of net charge-offs (x) | 56.0380% | 961 |
| Efficiency ratio | 47.2217% | 5,911 |
| Assets per employee ($millions) | 11.4927% | 171 |
| Cash dividends to net income (ytd only)* | 107.3400% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4962% | 2,174 |
| Loan loss allowance to noncurrent loans | 203.3164% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.7638% | 2,997 |
| Noncurrent loans to loans | 0.7359% | 3,125 |
| Net loans and leases to total assets | 77.7306% | 1,144 |
| Net loans and leases to deposits | 96.3119% | 971 |
| Net loans and leases to core deposits | 130.4871% | 270 |
| Total domestic deposits to total assets | 77.7878% | 5,224 |
| Equity capital to assets | 14.1591% | 958 |
| Core capital (leverage) ratio | 11.8557% | 1,774 |
| Tier 1 risk-based capital ratio | 13.5459% | 4,117 |
| Total risk-based capital ratio | 14.7982% | 4,042 |
| Memoranda: | ||
| Average total assets | $11,991,062,000 | 103 |
| Average earning assets | $10,986,286,750 | 102 |
| Average equity | $1,727,219,250 | 90 |
| Average total loans | $9,409,633,500 | 93 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0368% | 3,137 |
| Cost of funding earning assets | 0.5901% | 1,486 |
| Net interest margin | 3.4468% | 3,723 |
| Noninterest income to average assets | 0.3493% | 4,460 |
| Noninterest expense to average assets | 1.5650% | 6,075 |
| Loan and lease loss provision to assets | -0.1217% | 6,105 |
| Net operating income to assets | 1.4707% | 948 |
| Return on assets (ROA) | 1.4770% | 988 |
| Pretax return on assets | 2.0755% | 512 |
| Return on Equity (ROE) | 10.1913% | 1,985 |
| Retained earnings to average equity (ytd only) | 7.2554% | 1,591 |
| Net charge-offs to loans | 0.0181% | 3,336 |
| Credit loss provision to net charge-offs | -858.3433% | 5,332 |
| Earnings coverage of net charge-offs (x) | 137.1849% | 462 |
| Efficiency ratio | 44.4301% | 6,096 |
| Assets per employee ($millions) | 11.4073% | 172 |
| Cash dividends to net income (ytd only)* | 28.8081% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6165% | 1,858 |
| Loan loss allowance to noncurrent loans | 232.2973% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.7562% | 3,114 |
| Noncurrent loans to loans | 0.6959% | 3,404 |
| Net loans and leases to total assets | 78.5632% | 999 |
| Net loans and leases to deposits | 99.6700% | 687 |
| Net loans and leases to core deposits | 135.3901% | 206 |
| Total domestic deposits to total assets | 76.2414% | 5,570 |
| Equity capital to assets | 14.5514% | 804 |
| Core capital (leverage) ratio | 12.5606% | 1,349 |
| Tier 1 risk-based capital ratio | 14.0389% | 3,905 |
| Total risk-based capital ratio | 15.2924% | 3,841 |
| Memoranda: | ||
| Average total assets | $11,751,105,670 | 105 |
| Average earning assets | $10,775,294,000 | 104 |
| Average equity | $1,703,040,670 | 92 |
| Average total loans | $9,202,726,000 | 96 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9248% | 3,509 |
| Cost of funding earning assets | 0.5827% | 1,561 |
| Net interest margin | 3.3421% | 4,054 |
| Noninterest income to average assets | 0.3127% | 4,692 |
| Noninterest expense to average assets | 1.4763% | 6,192 |
| Loan and lease loss provision to assets | -0.1712% | 6,254 |
| Net operating income to assets | 1.2933% | 1,294 |
| Return on assets (ROA) | 1.2928% | 1,379 |
| Pretax return on assets | 2.0686% | 516 |
| Return on Equity (ROE) | 8.9392% | 2,472 |
| Retained earnings to average equity (ytd only) | 8.9392% | 1,217 |
| Net charge-offs to loans | 0.0146% | 2,874 |
| Credit loss provision to net charge-offs | -1,510.5740% | 5,085 |
| Earnings coverage of net charge-offs (x) | 167.4955% | 327 |
| Efficiency ratio | 43.5705% | 6,195 |
| Assets per employee ($millions) | 11.3339% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6941% | 1,753 |
| Loan loss allowance to noncurrent loans | 192.4388% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.9422% | 2,739 |
| Noncurrent loans to loans | 0.8803% | 3,044 |
| Net loans and leases to total assets | 76.2555% | 1,175 |
| Net loans and leases to deposits | 99.2056% | 608 |
| Net loans and leases to core deposits | 133.9483% | 204 |
| Total domestic deposits to total assets | 74.1335% | 5,892 |
| Equity capital to assets | 14.4120% | 855 |
| Core capital (leverage) ratio | 12.8365% | 1,223 |
| Tier 1 risk-based capital ratio | 14.1519% | 3,915 |
| Total risk-based capital ratio | 15.4063% | 3,838 |
| Memoranda: | ||
| Average total assets | $11,683,432,000 | 105 |
| Average earning assets | $10,703,435,500 | 103 |
| Average equity | $1,689,735,500 | 93 |
| Average total loans | $9,058,182,000 | 97 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0342% | 3,580 |
| Cost of funding earning assets | 0.6879% | 1,163 |
| Net interest margin | 3.3463% | 4,414 |
| Noninterest income to average assets | 0.3264% | 4,784 |
| Noninterest expense to average assets | 1.5540% | 6,268 |
| Loan and lease loss provision to assets | -0.0983% | 6,146 |
| Net operating income to assets | 1.2109% | 1,551 |
| Return on assets (ROA) | 1.1934% | 1,674 |
| Pretax return on assets | 1.9006% | 640 |
| Return on Equity (ROE) | 8.4604% | 2,868 |
| Retained earnings to average equity (ytd only) | 6.5900% | 1,603 |
| Net charge-offs to loans | 0.0152% | 4,575 |
| Credit loss provision to net charge-offs | -861.3724% | 5,878 |
| Earnings coverage of net charge-offs (x) | 160.4194% | 336 |
| Efficiency ratio | 45.7372% | 6,275 |
| Assets per employee ($millions) | 10.9210% | 196 |
| Cash dividends to net income (ytd only)* | 22.1081% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8132% | 1,506 |
| Loan loss allowance to noncurrent loans | 226.9175% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.8931% | 2,974 |
| Noncurrent loans to loans | 0.7990% | 3,308 |
| Net loans and leases to total assets | 76.0844% | 1,251 |
| Net loans and leases to deposits | 99.1676% | 669 |
| Net loans and leases to core deposits | 130.4859% | 236 |
| Total domestic deposits to total assets | 73.8009% | 5,961 |
| Equity capital to assets | 14.5151% | 806 |
| Core capital (leverage) ratio | 12.5221% | 1,346 |
| Tier 1 risk-based capital ratio | 14.4249% | 3,818 |
| Total risk-based capital ratio | 15.6809% | 3,751 |
| Memoranda: | ||
| Average total assets | $11,370,957,600 | 106 |
| Average earning assets | $10,389,073,800 | 104 |
| Average equity | $1,603,906,400 | 93 |
| Average total loans | $8,532,053,200 | 98 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0314% | 3,635 |
| Cost of funding earning assets | 0.7035% | 1,132 |
| Net interest margin | 3.3279% | 4,516 |
| Noninterest income to average assets | 0.3230% | 4,850 |
| Noninterest expense to average assets | 1.5777% | 6,308 |
| Loan and lease loss provision to assets | -0.1078% | 6,287 |
| Net operating income to assets | 1.1884% | 1,715 |
| Return on assets (ROA) | 1.1615% | 1,885 |
| Pretax return on assets | 1.8485% | 805 |
| Return on Equity (ROE) | 8.2956% | 3,040 |
| Retained earnings to average equity (ytd only) | 8.2956% | 1,222 |
| Net charge-offs to loans | -0.0708% | 6,037 |
| Credit loss provision to net charge-offs | 204.6865% | 1,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7719% | 6,253 |
| Assets per employee ($millions) | 10.9841% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9128% | 1,425 |
| Loan loss allowance to noncurrent loans | 256.6717% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.8201% | 3,371 |
| Noncurrent loans to loans | 0.7452% | 3,738 |
| Net loans and leases to total assets | 74.9419% | 1,372 |
| Net loans and leases to deposits | 99.5800% | 637 |
| Net loans and leases to core deposits | 130.0891% | 233 |
| Total domestic deposits to total assets | 72.0644% | 6,167 |
| Equity capital to assets | 14.2521% | 926 |
| Core capital (leverage) ratio | 12.3748% | 1,477 |
| Tier 1 risk-based capital ratio | 14.3876% | 3,952 |
| Total risk-based capital ratio | 15.6448% | 3,886 |
| Memoranda: | ||
| Average total assets | $11,341,472,750 | 105 |
| Average earning assets | $10,351,452,750 | 105 |
| Average equity | $1,587,977,250 | 94 |
| Average total loans | $8,439,398,000 | 98 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0214% | 3,649 |
| Cost of funding earning assets | 0.7106% | 1,135 |
| Net interest margin | 3.3109% | 4,546 |
| Noninterest income to average assets | 0.3195% | 4,860 |
| Noninterest expense to average assets | 1.6150% | 6,342 |
| Loan and lease loss provision to assets | -0.0723% | 6,336 |
| Net operating income to assets | 1.1389% | 1,790 |
| Return on assets (ROA) | 1.1341% | 1,893 |
| Pretax return on assets | 1.7882% | 862 |
| Return on Equity (ROE) | 8.1502% | 3,015 |
| Retained earnings to average equity (ytd only) | 8.1502% | 1,272 |
| Net charge-offs to loans | 0.0178% | 3,865 |
| Credit loss provision to net charge-offs | -549.5277% | 5,594 |
| Earnings coverage of net charge-offs (x) | 130.9744% | 461 |
| Efficiency ratio | 48.2186% | 6,282 |
| Assets per employee ($millions) | 10.7429% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9771% | 1,409 |
| Loan loss allowance to noncurrent loans | 214.0230% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.9866% | 3,084 |
| Noncurrent loans to loans | 0.9238% | 3,410 |
| Net loans and leases to total assets | 72.6541% | 1,626 |
| Net loans and leases to deposits | 97.3799% | 707 |
| Net loans and leases to core deposits | 129.4342% | 236 |
| Total domestic deposits to total assets | 71.3773% | 6,293 |
| Equity capital to assets | 13.9707% | 978 |
| Core capital (leverage) ratio | 12.3117% | 1,490 |
| Tier 1 risk-based capital ratio | 14.4382% | 3,968 |
| Total risk-based capital ratio | 15.6961% | 3,903 |
| Memoranda: | ||
| Average total assets | $11,262,900,670 | 105 |
| Average earning assets | $10,269,430,000 | 105 |
| Average equity | $1,567,305,670 | 95 |
| Average total loans | $8,304,077,330 | 98 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9935% | 3,711 |
| Cost of funding earning assets | 0.7036% | 1,224 |
| Net interest margin | 3.2899% | 4,588 |
| Noninterest income to average assets | 0.3029% | 4,927 |
| Noninterest expense to average assets | 1.7087% | 6,340 |
| Loan and lease loss provision to assets | -0.0134% | 6,408 |
| Net operating income to assets | 1.0212% | 2,124 |
| Return on assets (ROA) | 1.1389% | 1,737 |
| Pretax return on assets | 1.7930% | 807 |
| Return on Equity (ROE) | 8.2012% | 2,841 |
| Retained earnings to average equity (ytd only) | 8.2012% | 1,536 |
| Net charge-offs to loans | 0.2141% | 1,469 |
| Credit loss provision to net charge-offs | -8.4951% | 4,663 |
| Earnings coverage of net charge-offs (x) | 10.1350% | 1,887 |
| Efficiency ratio | 51.5233% | 6,159 |
| Assets per employee ($millions) | 10.1866% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0404% | 1,442 |
| Loan loss allowance to noncurrent loans | 237.0108% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 1.0306% | 3,199 |
| Noncurrent loans to loans | 0.8609% | 3,741 |
| Net loans and leases to total assets | 72.0096% | 1,575 |
| Net loans and leases to deposits | 98.1937% | 529 |
| Net loans and leases to core deposits | 131.5073% | 177 |
| Total domestic deposits to total assets | 69.7919% | 6,458 |
| Equity capital to assets | 13.8742% | 961 |
| Core capital (leverage) ratio | 12.3226% | 1,465 |
| Tier 1 risk-based capital ratio | 14.2311% | 4,176 |
| Total risk-based capital ratio | 15.4892% | 4,120 |
| Memoranda: | ||
| Average total assets | $11,125,437,000 | 105 |
| Average earning assets | $10,149,878,500 | 105 |
| Average equity | $1,544,999,000 | 94 |
| Average total loans | $8,180,223,000 | 97 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1839% | 3,402 |
| Cost of funding earning assets | 0.8154% | 1,121 |
| Net interest margin | 3.3685% | 4,407 |
| Noninterest income to average assets | 0.3436% | 4,859 |
| Noninterest expense to average assets | 1.8321% | 6,272 |
| Loan and lease loss provision to assets | -0.0280% | 6,321 |
| Net operating income to assets | 1.0184% | 2,255 |
| Return on assets (ROA) | 1.1764% | 1,716 |
| Pretax return on assets | 1.8533% | 674 |
| Return on Equity (ROE) | 8.0479% | 3,018 |
| Retained earnings to average equity (ytd only) | -0.7675% | 6,023 |
| Net charge-offs to loans | 0.0839% | 4,039 |
| Credit loss provision to net charge-offs | -46.6345% | 5,789 |
| Earnings coverage of net charge-offs (x) | 26.2336% | 1,300 |
| Efficiency ratio | 52.5249% | 6,250 |
| Assets per employee ($millions) | 9.9948% | 231 |
| Cash dividends to net income (ytd only)* | 109.5363% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1545% | 1,248 |
| Loan loss allowance to noncurrent loans | 206.6049% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 1.2497% | 2,917 |
| Noncurrent loans to loans | 1.0428% | 3,427 |
| Net loans and leases to total assets | 71.9609% | 1,688 |
| Net loans and leases to deposits | 98.4499% | 567 |
| Net loans and leases to core deposits | 128.9227% | 205 |
| Total domestic deposits to total assets | 70.0294% | 6,519 |
| Equity capital to assets | 13.9003% | 934 |
| Core capital (leverage) ratio | 12.0585% | 1,566 |
| Tier 1 risk-based capital ratio | 14.5255% | 3,940 |
| Total risk-based capital ratio | 15.7854% | 3,865 |
| Memoranda: | ||
| Average total assets | $10,712,046,800 | 107 |
| Average earning assets | $9,743,618,400 | 107 |
| Average equity | $1,565,782,000 | 90 |
| Average total loans | $7,669,188,200 | 96 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2120% | 3,342 |
| Cost of funding earning assets | 0.8335% | 1,134 |
| Net interest margin | 3.3784% | 4,364 |
| Noninterest income to average assets | 0.3332% | 5,025 |
| Noninterest expense to average assets | 1.9380% | 6,121 |
| Loan and lease loss provision to assets | -0.0465% | 6,546 |
| Net operating income to assets | 0.9585% | 2,543 |
| Return on assets (ROA) | 1.1705% | 1,809 |
| Pretax return on assets | 1.8481% | 807 |
| Return on Equity (ROE) | 7.9082% | 3,172 |
| Retained earnings to average equity (ytd only) | -3.7702% | 6,424 |
| Net charge-offs to loans | -0.0324% | 6,183 |
| Credit loss provision to net charge-offs | 201.5201% | 1,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4062% | 5,984 |
| Assets per employee ($millions) | 9.9600% | 237 |
| Cash dividends to net income (ytd only)* | 147.6746% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3206% | 1,152 |
| Loan loss allowance to noncurrent loans | 180.8011% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 1.3893% | 2,878 |
| Noncurrent loans to loans | 1.2835% | 3,263 |
| Net loans and leases to total assets | 70.6755% | 1,839 |
| Net loans and leases to deposits | 96.0861% | 681 |
| Net loans and leases to core deposits | 125.6281% | 242 |
| Total domestic deposits to total assets | 70.1799% | 6,586 |
| Equity capital to assets | 13.9127% | 990 |
| Core capital (leverage) ratio | 12.0200% | 1,662 |
| Tier 1 risk-based capital ratio | 14.4607% | 4,098 |
| Total risk-based capital ratio | 16.1968% | 3,735 |
| Memoranda: | ||
| Average total assets | $10,646,486,250 | 106 |
| Average earning assets | $9,680,938,250 | 107 |
| Average equity | $1,575,862,750 | 90 |
| Average total loans | $7,568,713,000 | 96 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2097% | 3,327 |
| Cost of funding earning assets | 0.8574% | 1,103 |
| Net interest margin | 3.3522% | 4,369 |
| Noninterest income to average assets | 0.3501% | 4,887 |
| Noninterest expense to average assets | 1.9932% | 6,061 |
| Loan and lease loss provision to assets | -0.0348% | 6,620 |
| Net operating income to assets | 0.9198% | 2,697 |
| Return on assets (ROA) | 1.1372% | 1,902 |
| Pretax return on assets | 1.7891% | 951 |
| Return on Equity (ROE) | 7.5294% | 3,337 |
| Retained earnings to average equity (ytd only) | 6.7794% | 1,992 |
| Net charge-offs to loans | 0.0467% | 4,024 |
| Credit loss provision to net charge-offs | -105.3204% | 5,628 |
| Earnings coverage of net charge-offs (x) | 42.7654% | 885 |
| Efficiency ratio | 57.0285% | 5,848 |
| Assets per employee ($millions) | 9.8411% | 230 |
| Cash dividends to net income (ytd only)* | 9.9610% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3395% | 1,194 |
| Loan loss allowance to noncurrent loans | 187.9797% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 1.3670% | 3,053 |
| Noncurrent loans to loans | 1.2445% | 3,466 |
| Net loans and leases to total assets | 70.8557% | 1,741 |
| Net loans and leases to deposits | 96.9163% | 611 |
| Net loans and leases to core deposits | 126.4753% | 219 |
| Total domestic deposits to total assets | 69.1637% | 6,681 |
| Equity capital to assets | 15.1862% | 675 |
| Core capital (leverage) ratio | 13.0491% | 1,143 |
| Tier 1 risk-based capital ratio | 15.7270% | 3,346 |
| Total risk-based capital ratio | 17.4666% | 3,027 |
| Memoranda: | ||
| Average total assets | $10,593,106,670 | 105 |
| Average earning assets | $9,652,138,330 | 107 |
| Average equity | $1,599,987,670 | 88 |
| Average total loans | $7,485,256,330 | 97 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2325% | 3,175 |
| Cost of funding earning assets | 0.8806% | 1,078 |
| Net interest margin | 3.3519% | 4,308 |
| Noninterest income to average assets | 0.3257% | 5,099 |
| Noninterest expense to average assets | 1.9258% | 6,241 |
| Loan and lease loss provision to assets | -0.0733% | 6,814 |
| Net operating income to assets | 0.9606% | 2,398 |
| Return on assets (ROA) | 1.1069% | 1,939 |
| Pretax return on assets | 1.7574% | 957 |
| Return on Equity (ROE) | 7.3486% | 3,291 |
| Retained earnings to average equity (ytd only) | 7.3486% | 2,002 |
| Net charge-offs to loans | 0.1456% | 2,529 |
| Credit loss provision to net charge-offs | -72.2470% | 5,102 |
| Earnings coverage of net charge-offs (x) | 14.3110% | 1,462 |
| Efficiency ratio | 55.4488% | 6,114 |
| Assets per employee ($millions) | 9.9035% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4298% | 1,202 |
| Loan loss allowance to noncurrent loans | 176.6971% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 1.3937% | 3,182 |
| Noncurrent loans to loans | 1.3751% | 3,503 |
| Net loans and leases to total assets | 68.2880% | 1,960 |
| Net loans and leases to deposits | 96.2608% | 529 |
| Net loans and leases to core deposits | 123.5602% | 238 |
| Total domestic deposits to total assets | 67.2989% | 6,824 |
| Equity capital to assets | 15.4362% | 652 |
| Core capital (leverage) ratio | 12.7341% | 1,228 |
| Tier 1 risk-based capital ratio | 15.9714% | 3,288 |
| Total risk-based capital ratio | 17.7291% | 2,970 |
| Memoranda: | ||
| Average total assets | $10,595,128,500 | 107 |
| Average earning assets | $9,648,475,500 | 107 |
| Average equity | $1,595,942,500 | 89 |
| Average total loans | $7,386,538,500 | 99 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4672% | 3,538 |
| Cost of funding earning assets | 1.0937% | 930 |
| Net interest margin | 3.3735% | 4,981 |
| Noninterest income to average assets | 0.1840% | 6,083 |
| Noninterest expense to average assets | 1.7123% | 6,715 |
| Loan and lease loss provision to assets | -0.0781% | 6,906 |
| Net operating income to assets | 1.0308% | 2,208 |
| Return on assets (ROA) | 1.1133% | 2,069 |
| Pretax return on assets | 1.7415% | 1,042 |
| Return on Equity (ROE) | 7.3039% | 3,461 |
| Retained earnings to average equity (ytd only) | -2.2511% | 6,193 |
| Net charge-offs to loans | 0.2056% | 3,736 |
| Credit loss provision to net charge-offs | -56.5603% | 6,283 |
| Earnings coverage of net charge-offs (x) | 11.0911% | 2,072 |
| Efficiency ratio | 51.1473% | 6,514 |
| Assets per employee ($millions) | 10.0589% | 229 |
| Cash dividends to net income (ytd only)* | 130.8201% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4710% | 1,159 |
| Loan loss allowance to noncurrent loans | 175.3740% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 1.4127% | 3,284 |
| Noncurrent loans to loans | 1.4090% | 3,485 |
| Net loans and leases to total assets | 67.7326% | 2,233 |
| Net loans and leases to deposits | 95.8840% | 622 |
| Net loans and leases to core deposits | 124.8562% | 233 |
| Total domestic deposits to total assets | 67.8307% | 6,864 |
| Equity capital to assets | 14.6959% | 822 |
| Core capital (leverage) ratio | 12.2153% | 1,446 |
| Tier 1 risk-based capital ratio | 15.3331% | 3,522 |
| Total risk-based capital ratio | 17.0831% | 3,210 |
| Memoranda: | ||
| Average total assets | $10,621,741,800 | 108 |
| Average earning assets | $9,633,016,400 | 107 |
| Average equity | $1,619,055,400 | 83 |
| Average total loans | $7,132,232,000 | 99 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5068% | 3,609 |
| Cost of funding earning assets | 1.1359% | 923 |
| Net interest margin | 3.3708% | 5,134 |
| Noninterest income to average assets | 0.1631% | 6,324 |
| Noninterest expense to average assets | 1.6762% | 6,808 |
| Loan and lease loss provision to assets | -0.1074% | 7,041 |
| Net operating income to assets | 1.0513% | 2,281 |
| Return on assets (ROA) | 1.1249% | 2,202 |
| Pretax return on assets | 1.7674% | 1,129 |
| Return on Equity (ROE) | 7.3139% | 3,630 |
| Retained earnings to average equity (ytd only) | 4.9846% | 3,371 |
| Net charge-offs to loans | 0.2512% | 3,214 |
| Credit loss provision to net charge-offs | -64.2132% | 6,207 |
| Earnings coverage of net charge-offs (x) | 9.2210% | 2,353 |
| Efficiency ratio | 50.4229% | 6,557 |
| Assets per employee ($millions) | 10.0232% | 233 |
| Cash dividends to net income (ytd only)* | 31.8478% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5437% | 1,157 |
| Loan loss allowance to noncurrent loans | 194.2598% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 1.4686% | 3,401 |
| Noncurrent loans to loans | 1.3094% | 3,854 |
| Net loans and leases to total assets | 66.6993% | 2,519 |
| Net loans and leases to deposits | 95.5611% | 686 |
| Net loans and leases to core deposits | 124.9827% | 236 |
| Total domestic deposits to total assets | 66.1469% | 6,977 |
| Equity capital to assets | 15.7540% | 654 |
| Core capital (leverage) ratio | 13.1420% | 1,135 |
| Tier 1 risk-based capital ratio | 16.5393% | 2,974 |
| Total risk-based capital ratio | 18.4131% | 2,617 |
| Memoranda: | ||
| Average total assets | $10,606,528,250 | 108 |
| Average earning assets | $9,612,472,500 | 105 |
| Average equity | $1,631,343,750 | 84 |
| Average total loans | $7,060,560,750 | 101 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5383% | 3,615 |
| Cost of funding earning assets | 1.1734% | 922 |
| Net interest margin | 3.3649% | 5,218 |
| Noninterest income to average assets | 0.1303% | 6,533 |
| Noninterest expense to average assets | 1.6311% | 6,896 |
| Loan and lease loss provision to assets | -0.1590% | 7,139 |
| Net operating income to assets | 1.0881% | 2,083 |
| Return on assets (ROA) | 1.1378% | 2,138 |
| Pretax return on assets | 1.7846% | 1,075 |
| Return on Equity (ROE) | 7.4576% | 3,544 |
| Retained earnings to average equity (ytd only) | 4.5048% | 3,609 |
| Net charge-offs to loans | 0.1592% | 3,646 |
| Credit loss provision to net charge-offs | -151.4542% | 6,107 |
| Earnings coverage of net charge-offs (x) | 14.7136% | 1,691 |
| Efficiency ratio | 49.6608% | 6,662 |
| Assets per employee ($millions) | 10.1869% | 216 |
| Cash dividends to net income (ytd only)* | 39.5951% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7330% | 1,001 |
| Loan loss allowance to noncurrent loans | 154.9747% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 1.8650% | 2,949 |
| Noncurrent loans to loans | 1.7635% | 3,257 |
| Net loans and leases to total assets | 64.2825% | 2,974 |
| Net loans and leases to deposits | 92.2115% | 929 |
| Net loans and leases to core deposits | 120.5651% | 300 |
| Total domestic deposits to total assets | 67.0260% | 7,025 |
| Equity capital to assets | 15.3600% | 707 |
| Core capital (leverage) ratio | 12.8871% | 1,182 |
| Tier 1 risk-based capital ratio | 16.4167% | 2,958 |
| Total risk-based capital ratio | 18.2993% | 2,605 |
| Memoranda: | ||
| Average total assets | $10,610,528,670 | 107 |
| Average earning assets | $9,603,426,330 | 104 |
| Average equity | $1,618,772,330 | 85 |
| Average total loans | $6,997,109,670 | 102 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6015% | 3,496 |
| Cost of funding earning assets | 1.1972% | 999 |
| Net interest margin | 3.4043% | 5,104 |
| Noninterest income to average assets | 0.1373% | 6,562 |
| Noninterest expense to average assets | 1.6510% | 6,935 |
| Loan and lease loss provision to assets | -0.1286% | 7,192 |
| Net operating income to assets | 1.0757% | 2,186 |
| Return on assets (ROA) | 1.1236% | 2,159 |
| Pretax return on assets | 1.7715% | 1,145 |
| Return on Equity (ROE) | 7.3898% | 3,565 |
| Retained earnings to average equity (ytd only) | 7.3898% | 2,234 |
| Net charge-offs to loans | 0.4661% | 1,919 |
| Credit loss provision to net charge-offs | -41.8891% | 5,417 |
| Earnings coverage of net charge-offs (x) | 5.0969% | 2,441 |
| Efficiency ratio | 49.6290% | 6,695 |
| Assets per employee ($millions) | 10.2598% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8206% | 988 |
| Loan loss allowance to noncurrent loans | 145.9985% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 2.0952% | 2,783 |
| Noncurrent loans to loans | 1.9319% | 3,243 |
| Net loans and leases to total assets | 63.5544% | 2,931 |
| Net loans and leases to deposits | 90.9582% | 876 |
| Net loans and leases to core deposits | 119.7280% | 315 |
| Total domestic deposits to total assets | 67.1508% | 7,079 |
| Equity capital to assets | 15.4145% | 674 |
| Core capital (leverage) ratio | 12.9135% | 1,155 |
| Tier 1 risk-based capital ratio | 16.4232% | 2,952 |
| Total risk-based capital ratio | 18.3098% | 2,624 |
| Memoranda: | ||
| Average total assets | $10,593,125,500 | 106 |
| Average earning assets | $9,579,740,000 | 104 |
| Average equity | $1,610,594,500 | 84 |
| Average total loans | $6,977,984,000 | 101 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7488% | 4,037 |
| Cost of funding earning assets | 1.4330% | 912 |
| Net interest margin | 3.3158% | 5,760 |
| Noninterest income to average assets | 0.2422% | 5,808 |
| Noninterest expense to average assets | 1.7024% | 7,053 |
| Loan and lease loss provision to assets | 0.2572% | 3,634 |
| Net operating income to assets | 0.8407% | 2,870 |
| Return on assets (ROA) | 0.9666% | 2,464 |
| Pretax return on assets | 1.4660% | 1,572 |
| Return on Equity (ROE) | 6.6314% | 3,572 |
| Retained earnings to average equity (ytd only) | 6.6314% | 1,676 |
| Net charge-offs to loans | 0.9533% | 1,812 |
| Credit loss provision to net charge-offs | 41.1785% | 5,610 |
| Earnings coverage of net charge-offs (x) | 2.4493% | 3,988 |
| Efficiency ratio | 50.9637% | 6,779 |
| Assets per employee ($millions) | 10.4410% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9253% | 876 |
| Loan loss allowance to noncurrent loans | 98.8485% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 2.8356% | 2,132 |
| Noncurrent loans to loans | 2.9594% | 2,194 |
| Net loans and leases to total assets | 64.4026% | 3,094 |
| Net loans and leases to deposits | 94.4206% | 785 |
| Net loans and leases to core deposits | 125.6465% | 280 |
| Total domestic deposits to total assets | 65.3965% | 7,143 |
| Equity capital to assets | 14.9952% | 784 |
| Core capital (leverage) ratio | 12.6557% | 1,287 |
| Tier 1 risk-based capital ratio | 15.6367% | 3,247 |
| Total risk-based capital ratio | 17.5089% | 2,892 |
| Memoranda: | ||
| Average total assets | $10,603,250,600 | 102 |
| Average earning assets | $9,561,061,200 | 101 |
| Average equity | $1,545,494,000 | 86 |
| Average total loans | $6,946,132,600 | 94 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7852% | 4,092 |
| Cost of funding earning assets | 1.4794% | 933 |
| Net interest margin | 3.3058% | 5,843 |
| Noninterest income to average assets | 0.2226% | 6,028 |
| Noninterest expense to average assets | 1.7190% | 7,077 |
| Loan and lease loss provision to assets | 0.3205% | 2,975 |
| Net operating income to assets | 0.7712% | 3,298 |
| Return on assets (ROA) | 0.9336% | 2,762 |
| Pretax return on assets | 1.4127% | 1,908 |
| Return on Equity (ROE) | 6.4520% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.4520% | 2,263 |
| Net charge-offs to loans | 1.1867% | 1,322 |
| Credit loss provision to net charge-offs | 41.3613% | 5,211 |
| Earnings coverage of net charge-offs (x) | 1.9153% | 4,224 |
| Efficiency ratio | 51.9357% | 6,679 |
| Assets per employee ($millions) | 10.4316% | 219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9831% | 873 |
| Loan loss allowance to noncurrent loans | 101.0012% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 2.8744% | 2,253 |
| Noncurrent loans to loans | 2.9535% | 2,357 |
| Net loans and leases to total assets | 64.8713% | 3,137 |
| Net loans and leases to deposits | 95.1079% | 750 |
| Net loans and leases to core deposits | 127.5135% | 274 |
| Total domestic deposits to total assets | 65.5277% | 7,211 |
| Equity capital to assets | 14.9595% | 859 |
| Core capital (leverage) ratio | 12.2914% | 1,541 |
| Tier 1 risk-based capital ratio | 15.4378% | 3,420 |
| Total risk-based capital ratio | 17.3172% | 3,046 |
| Memoranda: | ||
| Average total assets | $10,596,832,750 | 103 |
| Average earning assets | $9,554,286,250 | 98 |
| Average equity | $1,533,409,750 | 86 |
| Average total loans | $6,919,771,500 | 95 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7489% | 4,308 |
| Cost of funding earning assets | 1.5241% | 925 |
| Net interest margin | 3.2248% | 6,079 |
| Noninterest income to average assets | 0.2693% | 5,715 |
| Noninterest expense to average assets | 1.7364% | 7,146 |
| Loan and lease loss provision to assets | 0.3158% | 2,903 |
| Net operating income to assets | 0.7600% | 3,244 |
| Return on assets (ROA) | 0.8981% | 2,759 |
| Pretax return on assets | 1.3429% | 1,988 |
| Return on Equity (ROE) | 6.2764% | 3,811 |
| Retained earnings to average equity (ytd only) | 6.2764% | 2,259 |
| Net charge-offs to loans | 0.9324% | 1,670 |
| Credit loss provision to net charge-offs | 52.2711% | 4,528 |
| Earnings coverage of net charge-offs (x) | 2.3999% | 3,618 |
| Efficiency ratio | 52.7624% | 6,738 |
| Assets per employee ($millions) | 10.4867% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3241% | 690 |
| Loan loss allowance to noncurrent loans | 89.0892% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 3.1592% | 2,127 |
| Noncurrent loans to loans | 3.7312% | 1,881 |
| Net loans and leases to total assets | 63.5691% | 3,562 |
| Net loans and leases to deposits | 93.6705% | 897 |
| Net loans and leases to core deposits | 125.9296% | 315 |
| Total domestic deposits to total assets | 65.8711% | 7,264 |
| Equity capital to assets | 14.7391% | 881 |
| Core capital (leverage) ratio | 11.8984% | 1,673 |
| Tier 1 risk-based capital ratio | 15.3795% | 3,303 |
| Total risk-based capital ratio | 17.2750% | 2,929 |
| Memoranda: | ||
| Average total assets | $10,634,514,000 | 105 |
| Average earning assets | $9,618,996,000 | 99 |
| Average equity | $1,521,770,670 | 88 |
| Average total loans | $6,889,668,330 | 97 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7068% | 4,489 |
| Cost of funding earning assets | 1.5690% | 918 |
| Net interest margin | 3.1378% | 6,245 |
| Noninterest income to average assets | 0.3091% | 5,454 |
| Noninterest expense to average assets | 1.8335% | 7,097 |
| Loan and lease loss provision to assets | 0.2306% | 3,346 |
| Net operating income to assets | 0.7082% | 3,486 |
| Return on assets (ROA) | 0.8541% | 2,821 |
| Pretax return on assets | 1.3140% | 1,998 |
| Return on Equity (ROE) | 6.0582% | 3,873 |
| Retained earnings to average equity (ytd only) | 6.0582% | 2,606 |
| Net charge-offs to loans | 0.6029% | 1,990 |
| Credit loss provision to net charge-offs | 59.4655% | 3,557 |
| Earnings coverage of net charge-offs (x) | 3.3970% | 2,753 |
| Efficiency ratio | 56.4374% | 6,452 |
| Assets per employee ($millions) | 10.7371% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4988% | 601 |
| Loan loss allowance to noncurrent loans | 87.0506% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 3.3260% | 2,047 |
| Noncurrent loans to loans | 4.0193% | 1,808 |
| Net loans and leases to total assets | 62.7303% | 3,709 |
| Net loans and leases to deposits | 93.4616% | 879 |
| Net loans and leases to core deposits | 127.4171% | 299 |
| Total domestic deposits to total assets | 65.3434% | 7,344 |
| Equity capital to assets | 14.3095% | 929 |
| Core capital (leverage) ratio | 11.4364% | 1,885 |
| Tier 1 risk-based capital ratio | 14.9018% | 3,475 |
| Total risk-based capital ratio | 16.8022% | 3,088 |
| Memoranda: | ||
| Average total assets | $10,692,683,500 | 105 |
| Average earning assets | $9,682,584,500 | 100 |
| Average equity | $1,507,514,000 | 88 |
| Average total loans | $6,876,400,000 | 98 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7382% | 5,660 |
| Cost of funding earning assets | 1.8233% | 1,085 |
| Net interest margin | 2.9149% | 6,874 |
| Noninterest income to average assets | 0.0119% | 7,240 |
| Noninterest expense to average assets | 1.4039% | 7,480 |
| Loan and lease loss provision to assets | 1.4052% | 1,071 |
| Net operating income to assets | -0.0337% | 5,902 |
| Return on assets (ROA) | 0.1297% | 5,652 |
| Pretax return on assets | 0.0214% | 5,856 |
| Return on Equity (ROE) | 1.0045% | 5,691 |
| Retained earnings to average equity (ytd only) | 1.0045% | 5,037 |
| Net charge-offs to loans | 1.8359% | 1,141 |
| Credit loss provision to net charge-offs | 126.3723% | 3,207 |
| Earnings coverage of net charge-offs (x) | 1.1360% | 4,969 |
| Efficiency ratio | 50.6740% | 7,077 |
| Assets per employee ($millions) | 11.1100% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5728% | 563 |
| Loan loss allowance to noncurrent loans | 98.0148% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 3.0399% | 2,320 |
| Noncurrent loans to loans | 3.6451% | 2,046 |
| Net loans and leases to total assets | 61.3531% | 4,432 |
| Net loans and leases to deposits | 94.1483% | 1,053 |
| Net loans and leases to core deposits | 132.2187% | 304 |
| Total domestic deposits to total assets | 63.4991% | 7,452 |
| Equity capital to assets | 13.8913% | 1,068 |
| Core capital (leverage) ratio | 11.0298% | 2,137 |
| Tier 1 risk-based capital ratio | 14.8120% | 3,367 |
| Total risk-based capital ratio | 16.7114% | 2,978 |
| Memoranda: | ||
| Average total assets | $11,370,083,600 | 95 |
| Average earning assets | $10,356,704,600 | 92 |
| Average equity | $1,468,171,800 | 86 |
| Average total loans | $6,886,581,600 | 98 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7245% | 5,932 |
| Cost of funding earning assets | 1.8596% | 1,168 |
| Net interest margin | 2.8649% | 7,056 |
| Noninterest income to average assets | 0.0404% | 7,317 |
| Noninterest expense to average assets | 1.3054% | 7,633 |
| Loan and lease loss provision to assets | 1.7303% | 728 |
| Net operating income to assets | -0.1145% | 6,198 |
| Return on assets (ROA) | -0.0486% | 6,209 |
| Pretax return on assets | -0.2768% | 6,392 |
| Return on Equity (ROE) | -0.3829% | 6,195 |
| Retained earnings to average equity (ytd only) | -0.3829% | 5,880 |
| Net charge-offs to loans | 2.0047% | 942 |
| Credit loss provision to net charge-offs | 144.2124% | 2,727 |
| Earnings coverage of net charge-offs (x) | 1.1231% | 4,929 |
| Efficiency ratio | 47.2518% | 7,310 |
| Assets per employee ($millions) | 11.7058% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7317% | 460 |
| Loan loss allowance to noncurrent loans | 88.6535% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 3.2983% | 2,162 |
| Noncurrent loans to loans | 4.2093% | 1,735 |
| Net loans and leases to total assets | 59.1597% | 5,071 |
| Net loans and leases to deposits | 92.9925% | 1,331 |
| Net loans and leases to core deposits | 131.1556% | 364 |
| Total domestic deposits to total assets | 62.2631% | 7,552 |
| Equity capital to assets | 13.3897% | 1,398 |
| Core capital (leverage) ratio | 10.5466% | 2,640 |
| Tier 1 risk-based capital ratio | 14.4252% | 3,554 |
| Total risk-based capital ratio | 16.3277% | 3,204 |
| Memoranda: | ||
| Average total assets | $11,515,650,000 | 92 |
| Average earning assets | $10,500,872,250 | 90 |
| Average equity | $1,460,571,750 | 85 |
| Average total loans | $6,892,254,250 | 99 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7495% | 5,978 |
| Cost of funding earning assets | 1.8918% | 1,268 |
| Net interest margin | 2.8576% | 7,070 |
| Noninterest income to average assets | 0.0296% | 7,432 |
| Noninterest expense to average assets | 1.4085% | 7,662 |
| Loan and lease loss provision to assets | 2.2290% | 535 |
| Net operating income to assets | -0.4768% | 6,627 |
| Return on assets (ROA) | -0.3868% | 6,594 |
| Pretax return on assets | -0.8597% | 6,819 |
| Return on Equity (ROE) | -3.1057% | 6,528 |
| Retained earnings to average equity (ytd only) | -3.1057% | 6,316 |
| Net charge-offs to loans | 2.4860% | 694 |
| Credit loss provision to net charge-offs | 151.1131% | 2,598 |
| Earnings coverage of net charge-offs (x) | 0.8310% | 4,941 |
| Efficiency ratio | 51.5105% | 7,115 |
| Assets per employee ($millions) | 12.1377% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7310% | 460 |
| Loan loss allowance to noncurrent loans | 79.6986% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 3.7011% | 1,891 |
| Noncurrent loans to loans | 4.6814% | 1,529 |
| Net loans and leases to total assets | 57.8773% | 5,438 |
| Net loans and leases to deposits | 89.9697% | 1,862 |
| Net loans and leases to core deposits | 130.6359% | 410 |
| Total domestic deposits to total assets | 62.8050% | 7,610 |
| Equity capital to assets | 13.0370% | 1,554 |
| Core capital (leverage) ratio | 9.8701% | 3,316 |
| Tier 1 risk-based capital ratio | 14.2679% | 3,564 |
| Total risk-based capital ratio | 16.1830% | 3,159 |
| Memoranda: | ||
| Average total assets | $11,608,331,670 | 91 |
| Average earning assets | $10,581,083,000 | 90 |
| Average equity | $1,445,870,000 | 84 |
| Average total loans | $6,887,726,670 | 97 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7447% | 6,095 |
| Cost of funding earning assets | 1.9132% | 1,395 |
| Net interest margin | 2.8315% | 7,136 |
| Noninterest income to average assets | 0.0045% | 7,642 |
| Noninterest expense to average assets | 1.4437% | 7,741 |
| Loan and lease loss provision to assets | 2.8782% | 354 |
| Net operating income to assets | -0.9236% | 7,069 |
| Return on assets (ROA) | -0.8536% | 7,065 |
| Pretax return on assets | -1.6230% | 7,298 |
| Return on Equity (ROE) | -7.0127% | 6,994 |
| Retained earnings to average equity (ytd only) | -7.0127% | 6,743 |
| Net charge-offs to loans | 3.6525% | 380 |
| Credit loss provision to net charge-offs | 133.6695% | 2,643 |
| Earnings coverage of net charge-offs (x) | 0.5308% | 4,560 |
| Efficiency ratio | 53.8237% | 6,993 |
| Assets per employee ($millions) | 12.5315% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3955% | 587 |
| Loan loss allowance to noncurrent loans | 72.3488% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 3.6616% | 1,911 |
| Noncurrent loans to loans | 4.6933% | 1,576 |
| Net loans and leases to total assets | 55.9464% | 5,753 |
| Net loans and leases to deposits | 85.0570% | 2,749 |
| Net loans and leases to core deposits | 132.2383% | 432 |
| Total domestic deposits to total assets | 63.6504% | 7,682 |
| Equity capital to assets | 12.3580% | 1,836 |
| Core capital (leverage) ratio | 9.6269% | 3,607 |
| Tier 1 risk-based capital ratio | 13.7891% | 3,804 |
| Total risk-based capital ratio | 15.6833% | 3,388 |
| Memoranda: | ||
| Average total assets | $11,713,869,000 | 90 |
| Average earning assets | $10,682,420,000 | 87 |
| Average equity | $1,425,874,500 | 83 |
| Average total loans | $6,905,552,500 | 97 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0161% | 6,379 |
| Cost of funding earning assets | 2.3007% | 1,649 |
| Net interest margin | 2.7155% | 7,194 |
| Noninterest income to average assets | -0.0307% | 7,747 |
| Noninterest expense to average assets | 1.2942% | 7,878 |
| Loan and lease loss provision to assets | 2.6814% | 705 |
| Net operating income to assets | -0.8449% | 6,467 |
| Return on assets (ROA) | -0.5372% | 6,212 |
| Pretax return on assets | -1.0399% | 6,437 |
| Return on Equity (ROE) | -4.5577% | 6,174 |
| Retained earnings to average equity (ytd only) | -4.5577% | 5,964 |
| Net charge-offs to loans | 3.0342% | 692 |
| Credit loss provision to net charge-offs | 140.9412% | 3,444 |
| Earnings coverage of net charge-offs (x) | 0.6085% | 5,492 |
| Efficiency ratio | 50.4350% | 7,512 |
| Assets per employee ($millions) | 12.1948% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0507% | 743 |
| Loan loss allowance to noncurrent loans | 63.1622% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 3.5124% | 1,910 |
| Noncurrent loans to loans | 4.8299% | 1,423 |
| Net loans and leases to total assets | 58.1854% | 5,639 |
| Net loans and leases to deposits | 89.4186% | 2,317 |
| Net loans and leases to core deposits | 170.0077% | 237 |
| Total domestic deposits to total assets | 62.6155% | 7,744 |
| Equity capital to assets | 11.9825% | 2,046 |
| Core capital (leverage) ratio | 9.3461% | 3,908 |
| Tier 1 risk-based capital ratio | 13.1472% | 4,049 |
| Total risk-based capital ratio | 15.0311% | 3,580 |
| Memoranda: | ||
| Average total assets | $11,528,602,600 | 95 |
| Average earning assets | $10,540,029,000 | 91 |
| Average equity | $1,358,845,000 | 87 |
| Average total loans | $7,228,625,600 | 97 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0524% | 6,444 |
| Cost of funding earning assets | 2.3645% | 1,759 |
| Net interest margin | 2.6879% | 7,230 |
| Noninterest income to average assets | 0.0338% | 7,715 |
| Noninterest expense to average assets | 1.2926% | 7,966 |
| Loan and lease loss provision to assets | 2.5272% | 654 |
| Net operating income to assets | -0.7219% | 6,623 |
| Return on assets (ROA) | -0.3396% | 6,264 |
| Pretax return on assets | -0.7256% | 6,501 |
| Return on Equity (ROE) | -2.8932% | 6,229 |
| Retained earnings to average equity (ytd only) | -2.8932% | 5,918 |
| Net charge-offs to loans | 2.7587% | 645 |
| Credit loss provision to net charge-offs | 144.5449% | 3,370 |
| Earnings coverage of net charge-offs (x) | 0.6870% | 5,346 |
| Efficiency ratio | 49.4696% | 7,588 |
| Assets per employee ($millions) | 12.3282% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6647% | 913 |
| Loan loss allowance to noncurrent loans | 50.2293% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 3.9602% | 1,627 |
| Noncurrent loans to loans | 5.3050% | 1,202 |
| Net loans and leases to total assets | 58.9391% | 5,747 |
| Net loans and leases to deposits | 89.3823% | 2,700 |
| Net loans and leases to core deposits | 177.4026% | 202 |
| Total domestic deposits to total assets | 63.7864% | 7,774 |
| Equity capital to assets | 11.5120% | 2,574 |
| Core capital (leverage) ratio | 8.9713% | 4,692 |
| Tier 1 risk-based capital ratio | 12.1931% | 4,796 |
| Total risk-based capital ratio | 14.0676% | 4,252 |
| Memoranda: | ||
| Average total assets | $11,517,527,000 | 100 |
| Average earning assets | $10,540,971,750 | 98 |
| Average equity | $1,351,874,000 | 90 |
| Average total loans | $7,299,374,750 | 100 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0908% | 6,474 |
| Cost of funding earning assets | 2.4478% | 1,785 |
| Net interest margin | 2.6430% | 7,306 |
| Noninterest income to average assets | -0.0352% | 7,998 |
| Noninterest expense to average assets | 1.3374% | 8,047 |
| Loan and lease loss provision to assets | 2.4728% | 636 |
| Net operating income to assets | -0.7669% | 6,808 |
| Return on assets (ROA) | -0.2193% | 6,234 |
| Pretax return on assets | -0.5602% | 6,486 |
| Return on Equity (ROE) | -1.8559% | 6,202 |
| Retained earnings to average equity (ytd only) | -1.8559% | 5,703 |
| Net charge-offs to loans | 2.5542% | 673 |
| Credit loss provision to net charge-offs | 150.4658% | 3,061 |
| Earnings coverage of net charge-offs (x) | 0.6413% | 5,058 |
| Efficiency ratio | 53.4443% | 7,389 |
| Assets per employee ($millions) | 11.7234% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3403% | 1,057 |
| Loan loss allowance to noncurrent loans | 42.1898% | 5,544 |
| Noncurrent assets plus other real estate owned to assets | 4.1527% | 1,394 |
| Noncurrent loans to loans | 5.5471% | 1,043 |
| Net loans and leases to total assets | 62.1541% | 5,331 |
| Net loans and leases to deposits | 95.5736% | 1,865 |
| Net loans and leases to core deposits | 195.3443% | 138 |
| Total domestic deposits to total assets | 63.2381% | 7,857 |
| Equity capital to assets | 11.5891% | 2,481 |
| Core capital (leverage) ratio | 9.1026% | 4,459 |
| Tier 1 risk-based capital ratio | 11.9034% | 4,996 |
| Total risk-based capital ratio | 13.7604% | 4,435 |
| Memoranda: | ||
| Average total assets | $11,444,566,000 | 106 |
| Average earning assets | $10,507,066,000 | 102 |
| Average equity | $1,352,133,670 | 94 |
| Average total loans | $7,363,599,000 | 105 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2246% | 6,206 |
| Cost of funding earning assets | 2.5109% | 1,878 |
| Net interest margin | 2.7138% | 7,171 |
| Noninterest income to average assets | 0.1575% | 7,184 |
| Noninterest expense to average assets | 1.2214% | 8,110 |
| Loan and lease loss provision to assets | 1.6843% | 736 |
| Net operating income to assets | -0.1825% | 6,531 |
| Return on assets (ROA) | 0.3925% | 5,064 |
| Pretax return on assets | 0.5291% | 4,982 |
| Return on Equity (ROE) | 3.2913% | 5,250 |
| Retained earnings to average equity (ytd only) | 3.2913% | 4,048 |
| Net charge-offs to loans | 2.0487% | 708 |
| Credit loss provision to net charge-offs | 127.0924% | 3,137 |
| Earnings coverage of net charge-offs (x) | 1.0824% | 4,218 |
| Efficiency ratio | 43.7438% | 7,940 |
| Assets per employee ($millions) | 11.4856% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7930% | 1,871 |
| Loan loss allowance to noncurrent loans | 58.5196% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 2.5580% | 2,245 |
| Noncurrent loans to loans | 3.0640% | 2,123 |
| Net loans and leases to total assets | 63.7071% | 5,040 |
| Net loans and leases to deposits | 99.4089% | 1,487 |
| Net loans and leases to core deposits | 186.8593% | 197 |
| Total domestic deposits to total assets | 62.9571% | 7,885 |
| Equity capital to assets | 12.0695% | 2,216 |
| Core capital (leverage) ratio | 9.3260% | 4,205 |
| Tier 1 risk-based capital ratio | 12.0766% | 4,902 |
| Total risk-based capital ratio | 13.9198% | 4,336 |
| Memoranda: | ||
| Average total assets | $11,475,156,500 | 107 |
| Average earning assets | $10,564,220,000 | 104 |
| Average equity | $1,368,587,000 | 94 |
| Average total loans | $7,423,003,500 | 106 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9263% | 5,917 |
| Cost of funding earning assets | 2.8894% | 2,309 |
| Net interest margin | 3.0369% | 6,819 |
| Noninterest income to average assets | 0.2214% | 6,859 |
| Noninterest expense to average assets | 1.2729% | 8,133 |
| Loan and lease loss provision to assets | 0.9585% | 1,537 |
| Net operating income to assets | 0.5521% | 4,518 |
| Return on assets (ROA) | 0.5130% | 4,521 |
| Pretax return on assets | 0.7274% | 4,309 |
| Return on Equity (ROE) | 4.8230% | 4,462 |
| Retained earnings to average equity (ytd only) | 2.5057% | 3,637 |
| Net charge-offs to loans | 0.6532% | 1,898 |
| Credit loss provision to net charge-offs | 221.9413% | 2,155 |
| Earnings coverage of net charge-offs (x) | 4.0313% | 4,138 |
| Efficiency ratio | 40.1192% | 8,130 |
| Assets per employee ($millions) | 11.5796% | 179 |
| Cash dividends to net income (ytd only)* | 48.0468% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6361% | 2,107 |
| Loan loss allowance to noncurrent loans | 64.9655% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 2.1521% | 2,280 |
| Noncurrent loans to loans | 2.5185% | 2,161 |
| Net loans and leases to total assets | 63.4525% | 5,380 |
| Net loans and leases to deposits | 106.7462% | 1,064 |
| Net loans and leases to core deposits | 205.0671% | 155 |
| Total domestic deposits to total assets | 58.6896% | 7,999 |
| Equity capital to assets | 11.7858% | 2,444 |
| Core capital (leverage) ratio | 9.3754% | 4,199 |
| Tier 1 risk-based capital ratio | 11.5990% | 5,159 |
| Total risk-based capital ratio | 13.4249% | 4,573 |
| Memoranda: | ||
| Average total assets | $10,844,199,600 | 105 |
| Average earning assets | $9,971,672,400 | 104 |
| Average equity | $1,153,364,400 | 102 |
| Average total loans | $7,170,178,400 | 107 |