| 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 | 4.2360% | 2,405 |
| Cost of funding earning assets | 1.5965% | 13 |
| Net interest margin | 2.6395% | 5,838 |
| Noninterest income to average assets | 1.7841% | 432 |
| Noninterest expense to average assets | 2.5844% | 3,961 |
| Loan and lease loss provision to assets | 0.5020% | 195 |
| Net operating income to assets | 0.6764% | 3,994 |
| Return on assets (ROA) | 0.6764% | 4,107 |
| Pretax return on assets | 1.0214% | 3,491 |
| Return on Equity (ROE) | 5.2904% | 4,492 |
| Retained earnings to average equity (ytd only) | 3.8191% | 3,574 |
| Net charge-offs to loans | 0.5175% | 479 |
| Credit loss provision to net charge-offs | 135.9584% | 1,644 |
| Earnings coverage of net charge-offs (x) | 4.1259% | 3,087 |
| Efficiency ratio | 62.6843% | 4,564 |
| Assets per employee ($millions) | 18.3906% | 57 |
| Cash dividends to net income (ytd only)* | 27.8095% | 2,892 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7913% | 1,387 |
| Loan loss allowance to noncurrent loans | 281.8767% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.4665% | 4,067 |
| Noncurrent loans to loans | 0.6355% | 3,571 |
| Net loans and leases to total assets | 71.0418% | 2,156 |
| Net loans and leases to deposits | 89.8479% | 1,615 |
| Net loans and leases to core deposits | 156.2073% | 87 |
| Total domestic deposits to total assets | 79.0689% | 5,086 |
| Equity capital to assets | 12.6903% | 1,557 |
| Core capital (leverage) ratio | 12.2396% | 1,517 |
| Tier 1 risk-based capital ratio | 12.5611% | 4,769 |
| Total risk-based capital ratio | 13.8145% | 4,683 |
| Memoranda: |
| Average total assets | $21,494,685,330 | 71 |
| Average earning assets | $18,922,424,670 | 68 |
| Average equity | $2,748,048,330 | 65 |
| Average total loans | $15,337,439,000 | 63 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2097% | 2,411 |
| Cost of funding earning assets | 1.5778% | 13 |
| Net interest margin | 2.6319% | 5,890 |
| Noninterest income to average assets | 1.8541% | 395 |
| Noninterest expense to average assets | 2.4422% | 4,468 |
| Loan and lease loss provision to assets | 0.6018% | 157 |
| Net operating income to assets | 0.6587% | 4,015 |
| Return on assets (ROA) | 0.6587% | 4,134 |
| Pretax return on assets | 1.1294% | 2,952 |
| Return on Equity (ROE) | 5.1329% | 4,461 |
| Retained earnings to average equity (ytd only) | 3.7134% | 3,782 |
| Net charge-offs to loans | 0.4066% | 598 |
| Credit loss provision to net charge-offs | 208.9290% | 1,025 |
| Earnings coverage of net charge-offs (x) | 6.0099% | 2,336 |
| Efficiency ratio | 58.2708% | 5,306 |
| Assets per employee ($millions) | 17.9772% | 58 |
| Cash dividends to net income (ytd only)* | 27.6547% | 2,396 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8879% | 1,311 |
| Loan loss allowance to noncurrent loans | 290.8955% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.4590% | 4,195 |
| Noncurrent loans to loans | 0.6490% | 3,654 |
| Net loans and leases to total assets | 69.3049% | 2,237 |
| Net loans and leases to deposits | 88.5131% | 1,558 |
| Net loans and leases to core deposits | 154.1017% | 89 |
| Total domestic deposits to total assets | 78.2990% | 5,394 |
| Equity capital to assets | 12.8029% | 1,510 |
| Core capital (leverage) ratio | 12.1007% | 1,574 |
| Tier 1 risk-based capital ratio | 12.9013% | 4,662 |
| Total risk-based capital ratio | 14.1559% | 4,575 |
| Memoranda: |
| Average total assets | $21,290,398,500 | 71 |
| Average earning assets | $18,761,478,500 | 69 |
| Average equity | $2,732,272,500 | 64 |
| Average total loans | $15,084,015,000 | 64 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3109% | 2,568 |
| Cost of funding earning assets | 1.4840% | 26 |
| Net interest margin | 2.8269% | 5,766 |
| Noninterest income to average assets | 1.8455% | 388 |
| Noninterest expense to average assets | 2.7266% | 3,762 |
| Loan and lease loss provision to assets | 0.5347% | 272 |
| Net operating income to assets | 0.6649% | 4,065 |
| Return on assets (ROA) | 0.6649% | 4,161 |
| Pretax return on assets | 1.1053% | 3,062 |
| Return on Equity (ROE) | 4.6314% | 4,829 |
| Retained earnings to average equity (ytd only) | 3.1511% | 3,994 |
| Net charge-offs to loans | 0.3114% | 1,412 |
| Credit loss provision to net charge-offs | 233.7920% | 1,081 |
| Earnings coverage of net charge-offs (x) | 7.1704% | 3,075 |
| Efficiency ratio | 62.3048% | 4,865 |
| Assets per employee ($millions) | 18.4258% | 57 |
| Cash dividends to net income (ytd only)* | 31.9634% | 3,284 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7963% | 1,546 |
| Loan loss allowance to noncurrent loans | 332.6209% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.3909% | 4,517 |
| Noncurrent loans to loans | 0.5400% | 4,040 |
| Net loans and leases to total assets | 69.7864% | 2,265 |
| Net loans and leases to deposits | 92.8086% | 1,203 |
| Net loans and leases to core deposits | 163.8825% | 71 |
| Total domestic deposits to total assets | 75.1939% | 5,835 |
| Equity capital to assets | 12.8643% | 1,433 |
| Core capital (leverage) ratio | 12.1585% | 1,528 |
| Tier 1 risk-based capital ratio | 12.9723% | 4,742 |
| Total risk-based capital ratio | 14.2259% | 4,653 |
| Memoranda: |
| Average total assets | $18,522,491,200 | 73 |
| Average earning assets | $16,518,761,600 | 73 |
| Average equity | $2,658,951,800 | 60 |
| Average total loans | $13,604,344,400 | 65 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2706% | 2,744 |
| Cost of funding earning assets | 1.4316% | 35 |
| Net interest margin | 2.8390% | 5,805 |
| Noninterest income to average assets | 1.7552% | 424 |
| Noninterest expense to average assets | 2.6339% | 4,083 |
| Loan and lease loss provision to assets | 0.5442% | 265 |
| Net operating income to assets | 0.6775% | 4,059 |
| Return on assets (ROA) | 0.6775% | 4,149 |
| Pretax return on assets | 1.1165% | 3,124 |
| Return on Equity (ROE) | 4.5791% | 4,921 |
| Retained earnings to average equity (ytd only) | 2.8425% | 4,575 |
| Net charge-offs to loans | 0.3234% | 1,237 |
| Credit loss provision to net charge-offs | 226.9645% | 1,147 |
| Earnings coverage of net charge-offs (x) | 6.9259% | 3,002 |
| Efficiency ratio | 61.0672% | 5,028 |
| Assets per employee ($millions) | 23.6375% | 42 |
| Cash dividends to net income (ytd only)* | 37.9242% | 2,437 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7197% | 1,910 |
| Loan loss allowance to noncurrent loans | 293.6575% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.4251% | 4,637 |
| Noncurrent loans to loans | 0.5856% | 4,167 |
| Net loans and leases to total assets | 71.3188% | 1,969 |
| Net loans and leases to deposits | 100.4527% | 590 |
| Net loans and leases to core deposits | 178.1321% | 55 |
| Total domestic deposits to total assets | 70.9973% | 6,230 |
| Equity capital to assets | 13.1966% | 1,332 |
| Core capital (leverage) ratio | 13.1575% | 1,120 |
| Tier 1 risk-based capital ratio | 13.0300% | 4,850 |
| Total risk-based capital ratio | 14.2825% | 4,770 |
| Memoranda: |
| Average total assets | $17,874,110,500 | 76 |
| Average earning assets | $15,988,380,750 | 75 |
| Average equity | $2,644,584,250 | 63 |
| Average total loans | $13,254,019,250 | 67 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2734% | 2,690 |
| Cost of funding earning assets | 1.3889% | 41 |
| Net interest margin | 2.8845% | 5,760 |
| Noninterest income to average assets | 1.7606% | 422 |
| Noninterest expense to average assets | 2.4531% | 4,722 |
| Loan and lease loss provision to assets | 0.4618% | 337 |
| Net operating income to assets | 0.8728% | 2,947 |
| Return on assets (ROA) | 0.8728% | 3,034 |
| Pretax return on assets | 1.4382% | 1,757 |
| Return on Equity (ROE) | 5.6564% | 4,354 |
| Retained earnings to average equity (ytd only) | 3.9832% | 3,650 |
| Net charge-offs to loans | 0.3309% | 1,232 |
| Credit loss provision to net charge-offs | 186.6493% | 1,237 |
| Earnings coverage of net charge-offs (x) | 7.6791% | 2,597 |
| Efficiency ratio | 56.3529% | 5,708 |
| Assets per employee ($millions) | 19.8809% | 46 |
| Cash dividends to net income (ytd only)* | 29.5811% | 2,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7160% | 2,081 |
| Loan loss allowance to noncurrent loans | 245.6314% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 4,457 |
| Noncurrent loans to loans | 0.6986% | 3,961 |
| Net loans and leases to total assets | 72.4630% | 1,656 |
| Net loans and leases to deposits | 95.4704% | 844 |
| Net loans and leases to core deposits | 172.5020% | 57 |
| Total domestic deposits to total assets | 75.9010% | 5,921 |
| Equity capital to assets | 14.6124% | 791 |
| Core capital (leverage) ratio | 15.4429% | 544 |
| Tier 1 risk-based capital ratio | 15.2072% | 3,523 |
| Total risk-based capital ratio | 16.4597% | 3,468 |
| Memoranda: |
| Average total assets | $17,056,055,330 | 77 |
| Average earning assets | $15,329,143,670 | 77 |
| Average equity | $2,631,898,330 | 61 |
| Average total loans | $12,754,841,000 | 69 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2512% | 2,687 |
| Cost of funding earning assets | 1.3844% | 42 |
| Net interest margin | 2.8668% | 5,816 |
| Noninterest income to average assets | 1.7717% | 408 |
| Noninterest expense to average assets | 2.5204% | 4,548 |
| Loan and lease loss provision to assets | 0.6025% | 220 |
| Net operating income to assets | 0.8029% | 3,139 |
| Return on assets (ROA) | 0.8029% | 3,220 |
| Pretax return on assets | 1.2363% | 2,328 |
| Return on Equity (ROE) | 5.0540% | 4,526 |
| Retained earnings to average equity (ytd only) | 3.1996% | 4,205 |
| Net charge-offs to loans | 0.4633% | 785 |
| Credit loss provision to net charge-offs | 172.5468% | 1,149 |
| Earnings coverage of net charge-offs (x) | 5.2662% | 2,395 |
| Efficiency ratio | 57.8176% | 5,666 |
| Assets per employee ($millions) | 18.2244% | 54 |
| Cash dividends to net income (ytd only)* | 36.6924% | 2,103 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7641% | 2,145 |
| Loan loss allowance to noncurrent loans | 287.5641% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.4635% | 4,750 |
| Noncurrent loans to loans | 0.6135% | 4,325 |
| Net loans and leases to total assets | 74.1584% | 1,242 |
| Net loans and leases to deposits | 94.6981% | 734 |
| Net loans and leases to core deposits | 177.4419% | 53 |
| Total domestic deposits to total assets | 78.3103% | 5,784 |
| Equity capital to assets | 15.6822% | 571 |
| Core capital (leverage) ratio | 15.9208% | 490 |
| Tier 1 risk-based capital ratio | 16.1464% | 3,091 |
| Total risk-based capital ratio | 17.3995% | 3,052 |
| Memoranda: |
| Average total assets | $16,448,831,500 | 78 |
| Average earning assets | $14,846,771,500 | 80 |
| Average equity | $2,612,966,000 | 61 |
| Average total loans | $12,397,009,000 | 70 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2748% | 3,053 |
| Cost of funding earning assets | 1.3363% | 93 |
| Net interest margin | 2.9384% | 5,714 |
| Noninterest income to average assets | 1.6658% | 519 |
| Noninterest expense to average assets | 2.4307% | 4,987 |
| Loan and lease loss provision to assets | 0.6634% | 356 |
| Net operating income to assets | 0.7730% | 3,430 |
| Return on assets (ROA) | 0.7730% | 3,524 |
| Pretax return on assets | 1.2671% | 2,283 |
| Return on Equity (ROE) | 4.3111% | 4,971 |
| Retained earnings to average equity (ytd only) | 3.6945% | 3,588 |
| Net charge-offs to loans | 0.1459% | 3,341 |
| Credit loss provision to net charge-offs | 626.3923% | 376 |
| Earnings coverage of net charge-offs (x) | 18.2279% | 1,663 |
| Efficiency ratio | 55.7349% | 5,978 |
| Assets per employee ($millions) | 17.5722% | 59 |
| Cash dividends to net income (ytd only)* | 14.3037% | 3,896 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7538% | 2,225 |
| Loan loss allowance to noncurrent loans | 307.7062% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.4294% | 4,963 |
| Noncurrent loans to loans | 0.5700% | 4,564 |
| Net loans and leases to total assets | 73.9196% | 1,361 |
| Net loans and leases to deposits | 95.4222% | 773 |
| Net loans and leases to core deposits | 182.0718% | 48 |
| Total domestic deposits to total assets | 77.4659% | 5,905 |
| Equity capital to assets | 16.0967% | 510 |
| Core capital (leverage) ratio | 16.9319% | 377 |
| Tier 1 risk-based capital ratio | 16.8044% | 2,706 |
| Total risk-based capital ratio | 18.0575% | 2,658 |
| Memoranda: |
| Average total assets | $14,038,837,400 | 84 |
| Average earning assets | $12,877,552,200 | 84 |
| Average equity | $2,517,128,200 | 60 |
| Average total loans | $10,190,812,000 | 77 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2733% | 3,098 |
| Cost of funding earning assets | 1.3381% | 103 |
| Net interest margin | 2.9352% | 5,726 |
| Noninterest income to average assets | 1.8065% | 480 |
| Noninterest expense to average assets | 2.6250% | 4,304 |
| Loan and lease loss provision to assets | 0.6638% | 331 |
| Net operating income to assets | 0.7290% | 3,710 |
| Return on assets (ROA) | 0.7290% | 3,836 |
| Pretax return on assets | 1.2169% | 2,631 |
| Return on Equity (ROE) | 3.9456% | 5,245 |
| Retained earnings to average equity (ytd only) | 3.5164% | 4,188 |
| Net charge-offs to loans | 0.1554% | 2,997 |
| Credit loss provision to net charge-offs | 595.0128% | 477 |
| Earnings coverage of net charge-offs (x) | 16.8582% | 1,774 |
| Efficiency ratio | 58.2598% | 5,654 |
| Assets per employee ($millions) | 15.8898% | 75 |
| Cash dividends to net income (ytd only)* | 10.8782% | 3,455 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7357% | 2,502 |
| Loan loss allowance to noncurrent loans | 441.5179% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.2930% | 5,551 |
| Noncurrent loans to loans | 0.3931% | 5,214 |
| Net loans and leases to total assets | 73.2285% | 1,413 |
| Net loans and leases to deposits | 91.1368% | 1,050 |
| Net loans and leases to core deposits | 169.6960% | 54 |
| Total domestic deposits to total assets | 80.3501% | 5,408 |
| Equity capital to assets | 17.4096% | 372 |
| Core capital (leverage) ratio | 17.9107% | 307 |
| Tier 1 risk-based capital ratio | 18.5191% | 2,136 |
| Total risk-based capital ratio | 19.7723% | 2,107 |
| Memoranda: |
| Average total assets | $13,515,731,750 | 89 |
| Average earning assets | $12,429,234,750 | 85 |
| Average equity | $2,497,261,750 | 60 |
| Average total loans | $9,704,256,500 | 80 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2346% | 3,218 |
| Cost of funding earning assets | 1.4012% | 83 |
| Net interest margin | 2.8334% | 5,936 |
| Noninterest income to average assets | 1.7591% | 540 |
| Noninterest expense to average assets | 2.5525% | 4,557 |
| Loan and lease loss provision to assets | 0.5747% | 447 |
| Net operating income to assets | 0.7456% | 3,589 |
| Return on assets (ROA) | 0.7456% | 3,745 |
| Pretax return on assets | 1.2473% | 2,492 |
| Return on Equity (ROE) | 3.9504% | 5,236 |
| Retained earnings to average equity (ytd only) | 3.9504% | 3,782 |
| Net charge-offs to loans | 0.1337% | 3,039 |
| Credit loss provision to net charge-offs | 607.2578% | 478 |
| Earnings coverage of net charge-offs (x) | 19.2523% | 1,509 |
| Efficiency ratio | 58.3495% | 5,682 |
| Assets per employee ($millions) | 16.0122% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6160% | 3,095 |
| Loan loss allowance to noncurrent loans | 525.7955% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 5,808 |
| Noncurrent loans to loans | 0.3073% | 5,536 |
| Net loans and leases to total assets | 72.5529% | 1,471 |
| Net loans and leases to deposits | 90.5457% | 1,093 |
| Net loans and leases to core deposits | 157.6688% | 78 |
| Total domestic deposits to total assets | 80.1285% | 5,577 |
| Equity capital to assets | 18.1853% | 314 |
| Core capital (leverage) ratio | 18.4657% | 254 |
| Tier 1 risk-based capital ratio | 19.5587% | 1,839 |
| Total risk-based capital ratio | 20.8110% | 1,816 |
| Memoranda: |
| Average total assets | $13,132,213,330 | 91 |
| Average earning assets | $12,122,098,000 | 89 |
| Average equity | $2,478,568,000 | 60 |
| Average total loans | $9,295,804,330 | 80 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1327% | 3,586 |
| Cost of funding earning assets | 1.3812% | 108 |
| Net interest margin | 2.7515% | 6,125 |
| Noninterest income to average assets | 1.6719% | 556 |
| Noninterest expense to average assets | 2.4114% | 5,087 |
| Loan and lease loss provision to assets | 0.6529% | 370 |
| Net operating income to assets | 0.6944% | 3,714 |
| Return on assets (ROA) | 0.6944% | 3,861 |
| Pretax return on assets | 1.1509% | 2,761 |
| Return on Equity (ROE) | 3.6076% | 5,292 |
| Retained earnings to average equity (ytd only) | 3.6076% | 4,079 |
| Net charge-offs to loans | 0.1292% | 2,633 |
| Credit loss provision to net charge-offs | 730.2839% | 397 |
| Earnings coverage of net charge-offs (x) | 20.1767% | 1,195 |
| Efficiency ratio | 57.2069% | 5,933 |
| Assets per employee ($millions) | 15.1363% | 85 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5816% | 3,476 |
| Loan loss allowance to noncurrent loans | 1,671.3452% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 6,399 |
| Noncurrent loans to loans | 0.0946% | 6,196 |
| Net loans and leases to total assets | 70.9522% | 1,525 |
| Net loans and leases to deposits | 88.8265% | 1,067 |
| Net loans and leases to core deposits | 159.4314% | 75 |
| Total domestic deposits to total assets | 79.8772% | 5,779 |
| Equity capital to assets | 18.6159% | 295 |
| Core capital (leverage) ratio | 19.3570% | 221 |
| Tier 1 risk-based capital ratio | 19.9986% | 1,772 |
| Total risk-based capital ratio | 21.2517% | 1,744 |
| Memoranda: |
| Average total assets | $12,765,034,000 | 98 |
| Average earning assets | $11,799,183,000 | 92 |
| Average equity | $2,457,011,000 | 59 |
| Average total loans | $8,830,781,000 | 86 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8131% | 5,795 |
| Cost of funding earning assets | 1.9655% | 35 |
| Net interest margin | 1.8476% | 6,952 |
| Noninterest income to average assets | 1.7494% | 535 |
| Noninterest expense to average assets | 1.8383% | 6,570 |
| Loan and lease loss provision to assets | 0.8903% | 506 |
| Net operating income to assets | 0.3938% | 5,124 |
| Return on assets (ROA) | 0.3938% | 5,365 |
| Pretax return on assets | 0.7712% | 4,403 |
| Return on Equity (ROE) | 1.8008% | 5,961 |
| Retained earnings to average equity (ytd only) | 1.8008% | 4,954 |
| Net charge-offs to loans | 0.1473% | 4,220 |
| Credit loss provision to net charge-offs | 911.8601% | 277 |
| Earnings coverage of net charge-offs (x) | 17.0169% | 1,535 |
| Efficiency ratio | 52.5257% | 6,416 |
| Assets per employee ($millions) | 14.2818% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6571% | 3,094 |
| Loan loss allowance to noncurrent loans | 1,542.9330% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 6,429 |
| Noncurrent loans to loans | 0.1074% | 6,217 |
| Net loans and leases to total assets | 64.9154% | 2,739 |
| Net loans and leases to deposits | 82.5320% | 1,931 |
| Net loans and leases to core deposits | 160.0847% | 79 |
| Total domestic deposits to total assets | 78.6549% | 5,960 |
| Equity capital to assets | 19.9359% | 225 |
| Core capital (leverage) ratio | 20.2178% | 187 |
| Tier 1 risk-based capital ratio | 21.4587% | 1,371 |
| Total risk-based capital ratio | 22.7119% | 1,339 |
| Memoranda: |
| Average total assets | $10,483,369,600 | 109 |
| Average earning assets | $9,932,559,200 | 104 |
| Average equity | $2,292,591,200 | 63 |
| Average total loans | $6,950,733,400 | 101 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7566% | 6,113 |
| Cost of funding earning assets | 1.5630% | 148 |
| Net interest margin | 2.1937% | 6,994 |
| Noninterest income to average assets | 1.5534% | 617 |
| Noninterest expense to average assets | 1.7831% | 6,696 |
| Loan and lease loss provision to assets | 0.6051% | 907 |
| Net operating income to assets | 0.7967% | 3,471 |
| Return on assets (ROA) | 0.7967% | 3,709 |
| Pretax return on assets | 1.2575% | 2,758 |
| Return on Equity (ROE) | 3.5475% | 5,478 |
| Retained earnings to average equity (ytd only) | 3.5475% | 4,382 |
| Net charge-offs to loans | 0.1838% | 3,644 |
| Credit loss provision to net charge-offs | 495.8034% | 542 |
| Earnings coverage of net charge-offs (x) | 15.2613% | 1,777 |
| Efficiency ratio | 48.9083% | 6,671 |
| Assets per employee ($millions) | 13.1808% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1785% | 5,383 |
| Loan loss allowance to noncurrent loans | 475.4610% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 6,314 |
| Noncurrent loans to loans | 0.2479% | 5,993 |
| Net loans and leases to total assets | 62.8214% | 3,239 |
| Net loans and leases to deposits | 84.3353% | 1,826 |
| Net loans and leases to core deposits | 187.8778% | 56 |
| Total domestic deposits to total assets | 74.4901% | 6,561 |
| Equity capital to assets | 20.4265% | 226 |
| Core capital (leverage) ratio | 21.3690% | 159 |
| Tier 1 risk-based capital ratio | 26.3084% | 800 |
| Total risk-based capital ratio | 27.3573% | 799 |
| Memoranda: |
| Average total assets | $10,047,897,000 | 109 |
| Average earning assets | $9,583,957,500 | 106 |
| Average equity | $2,256,435,250 | 65 |
| Average total loans | $6,670,965,750 | 105 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7447% | 6,265 |
| Cost of funding earning assets | 1.5964% | 155 |
| Net interest margin | 2.1483% | 7,063 |
| Noninterest income to average assets | 1.6126% | 570 |
| Noninterest expense to average assets | 1.6848% | 6,848 |
| Loan and lease loss provision to assets | 0.6779% | 828 |
| Net operating income to assets | 0.8544% | 3,114 |
| Return on assets (ROA) | 0.8544% | 3,388 |
| Pretax return on assets | 1.3094% | 2,523 |
| Return on Equity (ROE) | 3.6702% | 5,410 |
| Retained earnings to average equity (ytd only) | 3.6702% | 4,152 |
| Net charge-offs to loans | 0.2053% | 3,342 |
| Credit loss provision to net charge-offs | 488.9814% | 616 |
| Earnings coverage of net charge-offs (x) | 14.3343% | 1,718 |
| Efficiency ratio | 45.8799% | 6,886 |
| Assets per employee ($millions) | 11.5627% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1489% | 5,578 |
| Loan loss allowance to noncurrent loans | 175.7939% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.4297% | 5,703 |
| Noncurrent loans to loans | 0.6535% | 5,203 |
| Net loans and leases to total assets | 64.9984% | 2,844 |
| Net loans and leases to deposits | 92.0248% | 949 |
| Net loans and leases to core deposits | 298.2428% | 37 |
| Total domestic deposits to total assets | 70.6314% | 6,874 |
| Equity capital to assets | 23.2536% | 127 |
| Core capital (leverage) ratio | 23.3296% | 112 |
| Tier 1 risk-based capital ratio | 28.7549% | 591 |
| Total risk-based capital ratio | 29.7810% | 595 |
| Memoranda: |
| Average total assets | $9,530,823,000 | 113 |
| Average earning assets | $9,136,843,330 | 107 |
| Average equity | $2,218,816,000 | 66 |
| Average total loans | $6,436,743,000 | 105 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7341% | 6,383 |
| Cost of funding earning assets | 1.6561% | 148 |
| Net interest margin | 2.0780% | 7,139 |
| Noninterest income to average assets | 1.1719% | 1,041 |
| Noninterest expense to average assets | 1.4371% | 7,091 |
| Loan and lease loss provision to assets | 0.5339% | 1,119 |
| Net operating income to assets | 0.7933% | 3,406 |
| Return on assets (ROA) | 0.7933% | 3,649 |
| Pretax return on assets | 1.2055% | 2,891 |
| Return on Equity (ROE) | 3.4056% | 5,546 |
| Retained earnings to average equity (ytd only) | 3.4056% | 4,526 |
| Net charge-offs to loans | 0.0762% | 3,736 |
| Credit loss provision to net charge-offs | 1,022.4422% | 335 |
| Earnings coverage of net charge-offs (x) | 33.3086% | 854 |
| Efficiency ratio | 45.2417% | 6,937 |
| Assets per employee ($millions) | 15.5827% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9206% | 6,492 |
| Loan loss allowance to noncurrent loans | 54.0662% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 1.1731% | 4,170 |
| Noncurrent loans to loans | 1.7027% | 3,558 |
| Net loans and leases to total assets | 68.2637% | 2,059 |
| Net loans and leases to deposits | 97.3401% | 465 |
| Net loans and leases to core deposits | 460.5929% | 31 |
| Total domestic deposits to total assets | 70.1291% | 6,973 |
| Equity capital to assets | 23.0094% | 125 |
| Core capital (leverage) ratio | 23.1306% | 116 |
| Tier 1 risk-based capital ratio | 31.9714% | 436 |
| Total risk-based capital ratio | 32.9459% | 441 |
| Memoranda: |
| Average total assets | $9,283,808,000 | 115 |
| Average earning assets | $8,955,453,500 | 107 |
| Average equity | $2,162,653,000 | 67 |
| Average total loans | $6,359,251,500 | 105 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8026% | 6,729 |
| Cost of funding earning assets | 1.6383% | 412 |
| Net interest margin | 2.1643% | 7,187 |
| Noninterest income to average assets | 0.9714% | 1,444 |
| Noninterest expense to average assets | 0.9763% | 7,296 |
| Loan and lease loss provision to assets | 0.5637% | 1,852 |
| Net operating income to assets | 0.9005% | 2,601 |
| Return on assets (ROA) | 0.9005% | 2,734 |
| Pretax return on assets | 1.5102% | 1,441 |
| Return on Equity (ROE) | 3.4632% | 5,087 |
| Retained earnings to average equity (ytd only) | 3.4632% | 3,753 |
| Net charge-offs to loans | 0.1032% | 5,324 |
| Credit loss provision to net charge-offs | 715.7313% | 302 |
| Earnings coverage of net charge-offs (x) | 26.3313% | 945 |
| Efficiency ratio | 32.0077% | 7,283 |
| Assets per employee ($millions) | 14.0135% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8030% | 6,728 |
| Loan loss allowance to noncurrent loans | 18.6051% | 6,648 |
| Noncurrent assets plus other real estate owned to assets | 2.9379% | 2,048 |
| Noncurrent loans to loans | 4.3160% | 1,408 |
| Net loans and leases to total assets | 67.5240% | 2,486 |
| Net loans and leases to deposits | 98.8753% | 510 |
| Net loans and leases to core deposits | 854.7278% | 29 |
| Total domestic deposits to total assets | 68.2921% | 7,061 |
| Equity capital to assets | 23.6004% | 118 |
| Core capital (leverage) ratio | 24.7122% | 106 |
| Tier 1 risk-based capital ratio | 36.4958% | 298 |
| Total risk-based capital ratio | 37.4500% | 301 |
| Memoranda: |
| Average total assets | $7,465,347,200 | 132 |
| Average earning assets | $7,170,487,000 | 126 |
| Average equity | $1,941,213,800 | 70 |
| Average total loans | $5,698,435,200 | 113 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8434% | 6,791 |
| Cost of funding earning assets | 1.6190% | 537 |
| Net interest margin | 2.2244% | 7,249 |
| Noninterest income to average assets | 1.0199% | 1,295 |
| Noninterest expense to average assets | 0.8341% | 7,388 |
| Loan and lease loss provision to assets | 0.4730% | 2,098 |
| Net operating income to assets | 1.0526% | 2,131 |
| Return on assets (ROA) | 1.0526% | 2,274 |
| Pretax return on assets | 1.8457% | 866 |
| Return on Equity (ROE) | 3.9330% | 5,026 |
| Retained earnings to average equity (ytd only) | 3.9330% | 3,926 |
| Net charge-offs to loans | 0.1017% | 4,977 |
| Credit loss provision to net charge-offs | 589.0398% | 461 |
| Earnings coverage of net charge-offs (x) | 28.8745% | 956 |
| Efficiency ratio | 26.4544% | 7,378 |
| Assets per employee ($millions) | 12.2898% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5254% | 7,154 |
| Loan loss allowance to noncurrent loans | 18.7665% | 6,719 |
| Noncurrent assets plus other real estate owned to assets | 2.3354% | 2,747 |
| Noncurrent loans to loans | 2.7996% | 2,486 |
| Net loans and leases to total assets | 82.9802% | 291 |
| Net loans and leases to deposits | 127.4784% | 58 |
| Net loans and leases to core deposits | 3,684.0409% | 17 |
| Total domestic deposits to total assets | 65.0935% | 7,227 |
| Equity capital to assets | 26.0849% | 109 |
| Core capital (leverage) ratio | 26.5332% | 95 |
| Tier 1 risk-based capital ratio | 40.3241% | 244 |
| Total risk-based capital ratio | 41.0960% | 247 |
| Memoranda: |
| Average total assets | $7,089,519,250 | 137 |
| Average earning assets | $6,797,923,250 | 133 |
| Average equity | $1,897,357,250 | 71 |
| Average total loans | $5,596,789,750 | 111 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9174% | 6,781 |
| Cost of funding earning assets | 1.5961% | 702 |
| Net interest margin | 2.3212% | 7,273 |
| Noninterest income to average assets | 0.8078% | 1,982 |
| Noninterest expense to average assets | 0.6940% | 7,478 |
| Loan and lease loss provision to assets | 0.3693% | 2,577 |
| Net operating income to assets | 1.0806% | 1,932 |
| Return on assets (ROA) | 1.0806% | 2,029 |
| Pretax return on assets | 1.9709% | 626 |
| Return on Equity (ROE) | 4.0010% | 4,945 |
| Retained earnings to average equity (ytd only) | 4.0010% | 3,655 |
| Net charge-offs to loans | 0.1313% | 4,427 |
| Credit loss provision to net charge-offs | 363.7809% | 840 |
| Earnings coverage of net charge-offs (x) | 23.0545% | 1,102 |
| Efficiency ratio | 22.8722% | 7,468 |
| Assets per employee ($millions) | 38.9577% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3757% | 7,307 |
| Loan loss allowance to noncurrent loans | 12.0099% | 6,919 |
| Noncurrent assets plus other real estate owned to assets | 2.5610% | 2,606 |
| Noncurrent loans to loans | 3.1282% | 2,301 |
| Net loans and leases to total assets | 81.5630% | 404 |
| Net loans and leases to deposits | 129.1973% | 56 |
| Net loans and leases to core deposits | 3,582.8792% | 19 |
| Total domestic deposits to total assets | 63.1306% | 7,327 |
| Equity capital to assets | 27.5946% | 96 |
| Core capital (leverage) ratio | 27.4172% | 94 |
| Tier 1 risk-based capital ratio | 47.5433% | 157 |
| Total risk-based capital ratio | 48.1492% | 161 |
| Memoranda: |
| Average total assets | $6,941,471,670 | 140 |
| Average earning assets | $6,657,898,000 | 136 |
| Average equity | $1,874,761,000 | 73 |
| Average total loans | $5,367,564,000 | 116 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8727% | 6,856 |
| Cost of funding earning assets | 1.6102% | 784 |
| Net interest margin | 2.2625% | 7,330 |
| Noninterest income to average assets | 0.7726% | 2,142 |
| Noninterest expense to average assets | 0.6937% | 7,539 |
| Loan and lease loss provision to assets | 0.0976% | 4,794 |
| Net operating income to assets | 1.3064% | 1,249 |
| Return on assets (ROA) | 1.3064% | 1,293 |
| Pretax return on assets | 2.1503% | 430 |
| Return on Equity (ROE) | 4.8902% | 4,455 |
| Retained earnings to average equity (ytd only) | 4.8902% | 3,257 |
| Net charge-offs to loans | 0.1212% | 3,807 |
| Credit loss provision to net charge-offs | 107.3464% | 2,484 |
| Earnings coverage of net charge-offs (x) | 24.7175% | 981 |
| Efficiency ratio | 23.5834% | 7,518 |
| Assets per employee ($millions) | 64.5022% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2175% | 7,437 |
| Loan loss allowance to noncurrent loans | 5.7134% | 7,044 |
| Noncurrent assets plus other real estate owned to assets | 2.8807% | 2,395 |
| Noncurrent loans to loans | 3.8068% | 1,924 |
| Net loans and leases to total assets | 75.5073% | 1,107 |
| Net loans and leases to deposits | 120.5636% | 88 |
| Net loans and leases to core deposits | 2,489.3259% | 22 |
| Total domestic deposits to total assets | 62.6286% | 7,391 |
| Equity capital to assets | 27.4746% | 92 |
| Core capital (leverage) ratio | 25.6143% | 106 |
| Tier 1 risk-based capital ratio | 56.1152% | 121 |
| Total risk-based capital ratio | 56.5230% | 123 |
| Memoranda: |
| Average total assets | $6,944,969,500 | 143 |
| Average earning assets | $6,658,123,500 | 140 |
| Average equity | $1,855,372,000 | 73 |
| Average total loans | $5,212,697,000 | 122 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1335% | 7,005 |
| Cost of funding earning assets | 1.5368% | 2,429 |
| Net interest margin | 2.5967% | 7,207 |
| Noninterest income to average assets | 0.4492% | 4,519 |
| Noninterest expense to average assets | 0.5185% | 7,610 |
| Loan and lease loss provision to assets | 0.3071% | 4,348 |
| Net operating income to assets | 1.2858% | 1,211 |
| Return on assets (ROA) | 1.2858% | 1,268 |
| Pretax return on assets | 2.0939% | 392 |
| Return on Equity (ROE) | 5.9079% | 3,653 |
| Retained earnings to average equity (ytd only) | 5.9079% | 1,874 |
| Net charge-offs to loans | 0.2778% | 4,635 |
| Credit loss provision to net charge-offs | 153.4538% | 2,320 |
| Earnings coverage of net charge-offs (x) | 11.9980% | 1,548 |
| Efficiency ratio | 17.7590% | 7,630 |
| Assets per employee ($millions) | 97.9542% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2034% | 7,524 |
| Loan loss allowance to noncurrent loans | 5.7894% | 7,122 |
| Noncurrent assets plus other real estate owned to assets | 2.6156% | 2,660 |
| Noncurrent loans to loans | 3.5128% | 2,150 |
| Net loans and leases to total assets | 74.3098% | 1,599 |
| Net loans and leases to deposits | 115.3178% | 152 |
| Net loans and leases to core deposits | 2,528.5492% | 21 |
| Total domestic deposits to total assets | 64.4391% | 7,430 |
| Equity capital to assets | 25.9793% | 112 |
| Core capital (leverage) ratio | 24.1533% | 131 |
| Tier 1 risk-based capital ratio | 57.3912% | 117 |
| Total risk-based capital ratio | 57.7463% | 116 |
| Memoranda: |
| Average total assets | $7,856,564,200 | 133 |
| Average earning assets | $7,474,012,200 | 127 |
| Average equity | $1,709,917,400 | 77 |
| Average total loans | $5,659,958,000 | 111 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1681% | 7,131 |
| Cost of funding earning assets | 1.7877% | 1,468 |
| Net interest margin | 2.3804% | 7,448 |
| Noninterest income to average assets | 0.4901% | 4,268 |
| Noninterest expense to average assets | 0.5297% | 7,731 |
| Loan and lease loss provision to assets | 0.2675% | 4,446 |
| Net operating income to assets | 1.2150% | 1,550 |
| Return on assets (ROA) | 1.2150% | 1,631 |
| Pretax return on assets | 1.9535% | 695 |
| Return on Equity (ROE) | 5.8295% | 3,894 |
| Retained earnings to average equity (ytd only) | 5.8295% | 2,461 |
| Net charge-offs to loans | 0.2951% | 4,187 |
| Credit loss provision to net charge-offs | 126.7388% | 3,220 |
| Earnings coverage of net charge-offs (x) | 10.5246% | 1,874 |
| Efficiency ratio | 19.2584% | 7,729 |
| Assets per employee ($millions) | 99.0270% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.1129% | 7,664 |
| Loan loss allowance to noncurrent loans | 3.0459% | 7,247 |
| Noncurrent assets plus other real estate owned to assets | 2.6452% | 2,740 |
| Noncurrent loans to loans | 3.7082% | 2,097 |
| Net loans and leases to total assets | 71.2531% | 2,417 |
| Net loans and leases to deposits | 110.1437% | 251 |
| Net loans and leases to core deposits | 3,163.6419% | 20 |
| Total domestic deposits to total assets | 64.6910% | 7,503 |
| Equity capital to assets | 23.7315% | 149 |
| Core capital (leverage) ratio | 22.0934% | 174 |
| Tier 1 risk-based capital ratio | 57.2572% | 122 |
| Total risk-based capital ratio | 57.4748% | 122 |
| Memoranda: |
| Average total assets | $8,057,529,000 | 131 |
| Average earning assets | $7,652,065,250 | 124 |
| Average equity | $1,679,336,000 | 77 |
| Average total loans | $5,762,065,500 | 111 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1676% | 7,213 |
| Cost of funding earning assets | 1.7992% | 1,643 |
| Net interest margin | 2.3684% | 7,500 |
| Noninterest income to average assets | 0.5863% | 3,437 |
| Noninterest expense to average assets | 0.5493% | 7,801 |
| Loan and lease loss provision to assets | 0.2779% | 4,174 |
| Net operating income to assets | 1.2397% | 1,454 |
| Return on assets (ROA) | 1.2397% | 1,515 |
| Pretax return on assets | 2.0069% | 597 |
| Return on Equity (ROE) | 6.2056% | 3,692 |
| Retained earnings to average equity (ytd only) | 6.2056% | 2,224 |
| Net charge-offs to loans | 0.3215% | 3,717 |
| Credit loss provision to net charge-offs | 120.7970% | 3,355 |
| Earnings coverage of net charge-offs (x) | 9.9308% | 1,954 |
| Efficiency ratio | 19.3827% | 7,796 |
| Assets per employee ($millions) | 99.5874% | 18 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0762% | 7,743 |
| Loan loss allowance to noncurrent loans | 2.6529% | 7,322 |
| Noncurrent assets plus other real estate owned to assets | 1.9797% | 3,521 |
| Noncurrent loans to loans | 2.8714% | 2,782 |
| Net loans and leases to total assets | 68.8918% | 3,152 |
| Net loans and leases to deposits | 110.3556% | 264 |
| Net loans and leases to core deposits | 10,523.4782% | 12 |
| Total domestic deposits to total assets | 62.4271% | 7,617 |
| Equity capital to assets | 22.7333% | 176 |
| Core capital (leverage) ratio | 20.5968% | 216 |
| Tier 1 risk-based capital ratio | 59.1182% | 112 |
| Total risk-based capital ratio | 59.2729% | 116 |
| Memoranda: |
| Average total assets | $8,267,697,330 | 129 |
| Average earning assets | $7,846,853,670 | 120 |
| Average equity | $1,651,599,670 | 77 |
| Average total loans | $5,916,765,330 | 109 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2011% | 7,265 |
| Cost of funding earning assets | 1.8567% | 1,626 |
| Net interest margin | 2.3444% | 7,565 |
| Noninterest income to average assets | 0.3566% | 5,283 |
| Noninterest expense to average assets | 0.5419% | 7,907 |
| Loan and lease loss provision to assets | 0.3653% | 3,179 |
| Net operating income to assets | 1.0258% | 2,088 |
| Return on assets (ROA) | 1.0258% | 2,149 |
| Pretax return on assets | 1.6731% | 1,107 |
| Return on Equity (ROE) | 5.4663% | 4,121 |
| Retained earnings to average equity (ytd only) | 5.4663% | 2,888 |
| Net charge-offs to loans | 0.3712% | 2,931 |
| Credit loss provision to net charge-offs | 135.3224% | 2,610 |
| Earnings coverage of net charge-offs (x) | 7.5517% | 2,071 |
| Efficiency ratio | 21.0027% | 7,896 |
| Assets per employee ($millions) | 111.6746% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0685% | 7,848 |
| Loan loss allowance to noncurrent loans | 1.6796% | 7,399 |
| Noncurrent assets plus other real estate owned to assets | 2.9754% | 2,416 |
| Noncurrent loans to loans | 4.0772% | 1,914 |
| Net loans and leases to total assets | 72.9277% | 2,224 |
| Net loans and leases to deposits | 123.7354% | 108 |
| Net loans and leases to core deposits | 11,885.0734% | 12 |
| Total domestic deposits to total assets | 58.9384% | 7,768 |
| Equity capital to assets | 19.8943% | 293 |
| Core capital (leverage) ratio | 17.2323% | 434 |
| Tier 1 risk-based capital ratio | 43.9468% | 200 |
| Total risk-based capital ratio | 44.0725% | 210 |
| Memoranda: |
| Average total assets | $8,617,226,000 | 122 |
| Average earning assets | $8,173,642,000 | 112 |
| Average equity | $1,617,100,500 | 76 |
| Average total loans | $6,266,074,000 | 106 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0371% | 7,680 |
| Cost of funding earning assets | 3.8344% | 14 |
| Net interest margin | 0.2026% | 7,991 |
| Noninterest income to average assets | 0.6681% | 3,171 |
| Noninterest expense to average assets | 0.8463% | 7,960 |
| Loan and lease loss provision to assets | 0.4509% | 4,123 |
| Net operating income to assets | -0.2807% | 5,947 |
| Return on assets (ROA) | -0.2807% | 5,945 |
| Pretax return on assets | -0.4330% | 5,950 |
| Return on Equity (ROE) | -1.6442% | 5,802 |
| Retained earnings to average equity (ytd only) | -1.6442% | 5,425 |
| Net charge-offs to loans | 0.7964% | 2,832 |
| Credit loss provision to net charge-offs | 77.7541% | 6,344 |
| Earnings coverage of net charge-offs (x) | 0.0308% | 6,157 |
| Efficiency ratio | 97.9342% | 1,217 |
| Assets per employee ($millions) | 115.0068% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0000% | 7,932 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,444 |
| Noncurrent assets plus other real estate owned to assets | 3.1823% | 2,166 |
| Noncurrent loans to loans | 4.3910% | 1,630 |
| Net loans and leases to total assets | 72.4744% | 2,640 |
| Net loans and leases to deposits | 124.1820% | 127 |
| Net loans and leases to core deposits | 124.1820% | 1,623 |
| Total domestic deposits to total assets | 58.3614% | 7,826 |
| Equity capital to assets | 17.7264% | 473 |
| Core capital (leverage) ratio | 15.3846% | 710 |
| Tier 1 risk-based capital ratio | 43.5316% | 204 |
| Total risk-based capital ratio | 43.5316% | 212 |
| Memoranda: |
| Average total assets | $7,119,667,600 | 135 |
| Average earning assets | $6,888,678,800 | 130 |
| Average equity | $1,215,328,800 | 97 |
| Average total loans | $5,183,817,800 | 122 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3532% | 7,640 |
| Cost of funding earning assets | 2.9957% | 337 |
| Net interest margin | 1.3575% | 7,974 |
| Noninterest income to average assets | 1.1678% | 1,153 |
| Noninterest expense to average assets | 1.0390% | 8,027 |
| Loan and lease loss provision to assets | 0.9068% | 2,118 |
| Net operating income to assets | 0.3399% | 4,639 |
| Return on assets (ROA) | 0.3399% | 4,734 |
| Pretax return on assets | 0.5440% | 4,381 |
| Return on Equity (ROE) | 2.0174% | 5,150 |
| Retained earnings to average equity (ytd only) | 2.0174% | 4,190 |
| Net charge-offs to loans | 1.3992% | 1,475 |
| Credit loss provision to net charge-offs | 88.8756% | 5,514 |
| Earnings coverage of net charge-offs (x) | 1.4220% | 4,716 |
| Efficiency ratio | 41.7298% | 7,892 |
| Assets per employee ($millions) | 120.0752% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5937% | 7,591 |
| Loan loss allowance to noncurrent loans | 15.5234% | 7,309 |
| Noncurrent assets plus other real estate owned to assets | 3.0712% | 2,241 |
| Noncurrent loans to loans | 3.8245% | 1,943 |
| Net loans and leases to total assets | 79.8257% | 1,207 |
| Net loans and leases to deposits | 142.7353% | 72 |
| Net loans and leases to core deposits | 142.7353% | 809 |
| Total domestic deposits to total assets | 55.9257% | 7,927 |
| Equity capital to assets | 19.4382% | 376 |
| Core capital (leverage) ratio | 17.6384% | 485 |
| Tier 1 risk-based capital ratio | 46.1845% | 199 |
| Total risk-based capital ratio | 47.3228% | 199 |
| Memoranda: |
| Average total assets | $6,656,951,500 | 147 |
| Average earning assets | $6,483,107,750 | 136 |
| Average equity | $1,121,622,000 | 105 |
| Average total loans | $4,854,438,500 | 136 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0939% | 6,460 |
| Cost of funding earning assets | 3.6802% | 59 |
| Net interest margin | 1.4138% | 8,036 |
| Noninterest income to average assets | 1.3700% | 813 |
| Noninterest expense to average assets | 0.9005% | 8,141 |
| Loan and lease loss provision to assets | 1.4834% | 1,152 |
| Net operating income to assets | 0.2420% | 5,121 |
| Return on assets (ROA) | 0.2420% | 5,211 |
| Pretax return on assets | 0.3655% | 5,027 |
| Return on Equity (ROE) | 1.5669% | 5,442 |
| Retained earnings to average equity (ytd only) | 1.5669% | 4,460 |
| Net charge-offs to loans | 2.0799% | 890 |
| Credit loss provision to net charge-offs | 103.4795% | 4,434 |
| Earnings coverage of net charge-offs (x) | 1.2898% | 4,556 |
| Efficiency ratio | 32.7530% | 8,092 |
| Assets per employee ($millions) | 27.5241% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6587% | 7,524 |
| Loan loss allowance to noncurrent loans | 24.2054% | 6,886 |
| Noncurrent assets plus other real estate owned to assets | 2.1639% | 2,981 |
| Noncurrent loans to loans | 2.7213% | 2,645 |
| Net loans and leases to total assets | 78.9910% | 1,522 |
| Net loans and leases to deposits | 145.0563% | 67 |
| Net loans and leases to core deposits | 145.0563% | 796 |
| Total domestic deposits to total assets | 54.4554% | 8,022 |
| Equity capital to assets | 16.0788% | 806 |
| Core capital (leverage) ratio | 16.5422% | 671 |
| Tier 1 risk-based capital ratio | 38.4339% | 340 |
| Total risk-based capital ratio | 39.6872% | 330 |
| Memoranda: |
| Average total assets | $5,753,981,000 | 168 |
| Average earning assets | $5,613,610,000 | 157 |
| Average equity | $888,645,000 | 132 |
| Average total loans | $3,965,579,000 | 161 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4677% | 7,748 |
| Cost of funding earning assets | 3.1919% | 356 |
| Net interest margin | 1.2758% | 8,115 |
| Noninterest income to average assets | 0.2336% | 6,597 |
| Noninterest expense to average assets | 0.3209% | 8,229 |
| Loan and lease loss provision to assets | 1.1583% | 1,123 |
| Net operating income to assets | -0.0015% | 6,259 |
| Return on assets (ROA) | -0.0015% | 6,406 |
| Pretax return on assets | -0.0024% | 6,381 |
| Return on Equity (ROE) | -0.0104% | 6,412 |
| Retained earnings to average equity (ytd only) | -0.0104% | 5,649 |
| Net charge-offs to loans | 2.4366% | 584 |
| Credit loss provision to net charge-offs | 86.8498% | 4,069 |
| Earnings coverage of net charge-offs (x) | 0.8667% | 4,329 |
| Efficiency ratio | 21.7321% | 8,184 |
| Assets per employee ($millions) | 155.3000% | 24 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2995% | 949 |
| Loan loss allowance to noncurrent loans | 985.9839% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 7,221 |
| Noncurrent loans to loans | 0.2332% | 6,867 |
| Net loans and leases to total assets | 50.8866% | 6,775 |
| Net loans and leases to deposits | 65.2934% | 6,439 |
| Net loans and leases to core deposits | 65.2956% | 7,264 |
| Total domestic deposits to total assets | 77.9352% | 6,034 |
| Equity capital to assets | 14.0015% | 1,364 |
| Core capital (leverage) ratio | 15.0476% | 963 |
| Tier 1 risk-based capital ratio | 23.1155% | 1,179 |
| Total risk-based capital ratio | 24.3808% | 1,154 |
| Memoranda: |
| Average total assets | $3,690,387,000 | 235 |
| Average earning assets | $3,596,222,000 | 217 |
| Average equity | $538,579,500 | 175 |
| Average total loans | $2,019,874,000 | 281 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8340% | 6,319 |
| Cost of funding earning assets | 3.8655% | 156 |
| Net interest margin | 1.9685% | 8,082 |
| Noninterest income to average assets | 0.4676% | 4,901 |
| Noninterest expense to average assets | 0.4062% | 8,267 |
| Loan and lease loss provision to assets | 1.1836% | 1,221 |
| Net operating income to assets | 0.5039% | 4,718 |
| Return on assets (ROA) | 0.5040% | 4,560 |
| Pretax return on assets | 0.8004% | 4,067 |
| Return on Equity (ROE) | 3.1359% | 5,181 |
| Retained earnings to average equity (ytd only) | 3.1359% | 3,204 |
| Net charge-offs to loans | 3.5503% | 221 |
| Credit loss provision to net charge-offs | 64.9283% | 6,164 |
| Earnings coverage of net charge-offs (x) | 1.0883% | 5,580 |
| Efficiency ratio | 16.9945% | 8,265 |
| Assets per employee ($millions) | 139.9310% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3849% | 773 |
| Loan loss allowance to noncurrent loans | 757.1518% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.1817% | 6,834 |
| Noncurrent loans to loans | 0.3150% | 6,429 |
| Net loans and leases to total assets | 56.2981% | 6,396 |
| Net loans and leases to deposits | 75.0145% | 5,730 |
| Net loans and leases to core deposits | 75.0174% | 6,914 |
| Total domestic deposits to total assets | 75.0496% | 6,440 |
| Equity capital to assets | 15.2518% | 1,099 |
| Core capital (leverage) ratio | 15.8291% | 856 |
| Tier 1 risk-based capital ratio | 22.2186% | 1,292 |
| Total risk-based capital ratio | 23.4819% | 1,254 |
| Memoranda: |
| Average total assets | $3,129,426,600 | 251 |
| Average earning assets | $3,056,221,400 | 236 |
| Average equity | $502,918,200 | 192 |
| Average total loans | $1,606,793,000 | 331 |
