| 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 | 3.4594% | 2,778 |
| Cost of funding earning assets | 0.5633% | 658 |
| Net interest margin | 2.8961% | 3,449 |
| Noninterest income to average assets | 1.8461% | 353 |
| Noninterest expense to average assets | 2.6448% | 1,764 |
| Loan and lease loss provision to assets | -0.5694% | 4,818 |
| Net operating income to assets | 1.5984% | 811 |
| Return on assets (ROA) | 1.7792% | 558 |
| Pretax return on assets | 2.4029% | 297 |
| Return on Equity (ROE) | 17.0286% | 590 |
| Retained earnings to average equity (ytd only) | 12.2168% | 515 |
| Net charge-offs to loans | 0.2002% | 479 |
| Credit loss provision to net charge-offs | -397.5326% | 3,691 |
| Earnings coverage of net charge-offs (x) | 12.3824% | 2,115 |
| Efficiency ratio | 60.6881% | 3,047 |
| Assets per employee ($millions) | 14.4788% | 222 |
| Cash dividends to net income (ytd only)* | 28.2568% | 2,652 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3090% | 376 |
| Loan loss allowance to noncurrent loans | 147.5891% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 1.0196% | 538 |
| Noncurrent loans to loans | 1.5645% | 569 |
| Net loans and leases to total assets | 62.5061% | 1,884 |
| Net loans and leases to deposits | 73.9276% | 1,728 |
| Net loans and leases to core deposits | 79.1477% | 1,663 |
| Total domestic deposits to total assets | 84.5505% | 3,411 |
| Equity capital to assets | 11.2986% | 1,606 |
| Core capital (leverage) ratio | 11.4047% | 1,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6476% | 1,632 |
| Memoranda: |
| Average total assets | $49,727,183,600 | 50 |
| Average earning assets | $41,266,585,400 | 54 |
| Average equity | $5,195,631,000 | 52 |
| Average total loans | $32,188,347,200 | 47 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4436% | 2,978 |
| Cost of funding earning assets | 0.5801% | 701 |
| Net interest margin | 2.8635% | 3,629 |
| Noninterest income to average assets | 1.7855% | 401 |
| Noninterest expense to average assets | 2.6361% | 1,737 |
| Loan and lease loss provision to assets | -0.5643% | 4,890 |
| Net operating income to assets | 1.5473% | 1,153 |
| Return on assets (ROA) | 1.7857% | 720 |
| Pretax return on assets | 2.3986% | 392 |
| Return on Equity (ROE) | 17.4268% | 702 |
| Retained earnings to average equity (ytd only) | 14.8384% | 419 |
| Net charge-offs to loans | 0.2249% | 367 |
| Credit loss provision to net charge-offs | -343.3077% | 3,534 |
| Earnings coverage of net charge-offs (x) | 10.4969% | 2,035 |
| Efficiency ratio | 61.6581% | 2,747 |
| Assets per employee ($millions) | 14.4230% | 227 |
| Cash dividends to net income (ytd only)* | 14.8530% | 2,786 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5121% | 285 |
| Loan loss allowance to noncurrent loans | 180.6301% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.9059% | 763 |
| Noncurrent loans to loans | 1.3907% | 766 |
| Net loans and leases to total assets | 62.1260% | 1,989 |
| Net loans and leases to deposits | 74.0851% | 1,847 |
| Net loans and leases to core deposits | 79.8545% | 1,747 |
| Total domestic deposits to total assets | 83.8577% | 3,497 |
| Equity capital to assets | 10.9770% | 2,034 |
| Core capital (leverage) ratio | 11.0901% | 1,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4049% | 1,827 |
| Memoranda: |
| Average total assets | $50,268,248,750 | 50 |
| Average earning assets | $41,833,056,500 | 52 |
| Average equity | $5,151,052,500 | 53 |
| Average total loans | $32,627,329,500 | 48 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4640% | 2,995 |
| Cost of funding earning assets | 0.6076% | 722 |
| Net interest margin | 2.8564% | 3,666 |
| Noninterest income to average assets | 1.8111% | 386 |
| Noninterest expense to average assets | 2.6274% | 1,782 |
| Loan and lease loss provision to assets | -0.5968% | 4,919 |
| Net operating income to assets | 1.5823% | 1,087 |
| Return on assets (ROA) | 1.9192% | 592 |
| Pretax return on assets | 2.5911% | 310 |
| Return on Equity (ROE) | 19.1656% | 525 |
| Retained earnings to average equity (ytd only) | 19.1656% | 180 |
| Net charge-offs to loans | 0.2980% | 293 |
| Credit loss provision to net charge-offs | -282.9628% | 3,300 |
| Earnings coverage of net charge-offs (x) | 8.0603% | 1,896 |
| Efficiency ratio | 61.0557% | 2,863 |
| Assets per employee ($millions) | 14.2102% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6411% | 232 |
| Loan loss allowance to noncurrent loans | 128.2483% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 1.3362% | 471 |
| Noncurrent loans to loans | 2.0594% | 461 |
| Net loans and leases to total assets | 62.3996% | 2,134 |
| Net loans and leases to deposits | 72.9406% | 2,118 |
| Net loans and leases to core deposits | 79.5288% | 1,923 |
| Total domestic deposits to total assets | 85.5485% | 2,893 |
| Equity capital to assets | 10.7051% | 2,221 |
| Core capital (leverage) ratio | 10.5992% | 1,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0560% | 1,951 |
| Memoranda: |
| Average total assets | $50,784,037,000 | 50 |
| Average earning assets | $42,388,222,333 | 50 |
| Average equity | $5,085,369,333 | 54 |
| Average total loans | $33,153,670,333 | 45 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4749% | 2,999 |
| Cost of funding earning assets | 0.6523% | 682 |
| Net interest margin | 2.8226% | 3,708 |
| Noninterest income to average assets | 1.6781% | 503 |
| Noninterest expense to average assets | 2.7403% | 1,518 |
| Loan and lease loss provision to assets | -0.7638% | 4,949 |
| Net operating income to assets | 1.4981% | 1,338 |
| Return on assets (ROA) | 2.1402% | 492 |
| Pretax return on assets | 2.8770% | 273 |
| Return on Equity (ROE) | 22.1032% | 385 |
| Retained earnings to average equity (ytd only) | 22.1032% | 199 |
| Net charge-offs to loans | 0.2367% | 358 |
| Credit loss provision to net charge-offs | -459.7569% | 3,150 |
| Earnings coverage of net charge-offs (x) | 8.3419% | 1,582 |
| Efficiency ratio | 66.2099% | 2,197 |
| Assets per employee ($millions) | 14.0835% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7205% | 198 |
| Loan loss allowance to noncurrent loans | 110.2533% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 1.6545% | 353 |
| Noncurrent loans to loans | 2.4675% | 379 |
| Net loans and leases to total assets | 64.3476% | 2,002 |
| Net loans and leases to deposits | 76.4718% | 1,857 |
| Net loans and leases to core deposits | 84.0012% | 1,682 |
| Total domestic deposits to total assets | 84.1456% | 3,388 |
| Equity capital to assets | 9.9383% | 2,761 |
| Core capital (leverage) ratio | 9.9774% | 2,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0278% | 2,285 |
| Memoranda: |
| Average total assets | $51,521,440,500 | 51 |
| Average earning assets | $43,124,143,500 | 51 |
| Average equity | $4,988,762,000 | 57 |
| Average total loans | $33,928,784,000 | 45 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9583% | 2,858 |
| Cost of funding earning assets | 1.2024% | 274 |
| Net interest margin | 2.7559% | 4,316 |
| Noninterest income to average assets | 1.6496% | 458 |
| Noninterest expense to average assets | 3.7179% | 516 |
| Loan and lease loss provision to assets | 1.2531% | 55 |
| Net operating income to assets | -0.9210% | 4,923 |
| Return on assets (ROA) | -0.8556% | 4,922 |
| Pretax return on assets | -0.9454% | 4,923 |
| Return on Equity (ROE) | -9.0533% | 4,938 |
| Retained earnings to average equity (ytd only) | -9.0533% | 4,902 |
| Net charge-offs to loans | 1.0305% | 125 |
| Credit loss provision to net charge-offs | 177.0312% | 2,280 |
| Earnings coverage of net charge-offs (x) | 0.3515% | 3,327 |
| Efficiency ratio | 71.3317% | 1,769 |
| Assets per employee ($millions) | 14.2388% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9829% | 150 |
| Loan loss allowance to noncurrent loans | 128.8105% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 1.5320% | 469 |
| Noncurrent loans to loans | 2.3157% | 455 |
| Net loans and leases to total assets | 63.6140% | 2,414 |
| Net loans and leases to deposits | 75.3887% | 2,345 |
| Net loans and leases to core deposits | 83.9798% | 2,035 |
| Total domestic deposits to total assets | 84.3814% | 2,987 |
| Equity capital to assets | 9.4359% | 3,675 |
| Core capital (leverage) ratio | 8.9481% | 3,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1024% | 2,589 |
| Memoranda: |
| Average total assets | $52,561,323,600 | 45 |
| Average earning assets | $43,929,490,800 | 49 |
| Average equity | $4,967,185,000 | 52 |
| Average total loans | $34,104,893,200 | 45 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0584% | 2,795 |
| Cost of funding earning assets | 1.3342% | 209 |
| Net interest margin | 2.7242% | 4,440 |
| Noninterest income to average assets | 1.6330% | 447 |
| Noninterest expense to average assets | 3.7221% | 512 |
| Loan and lease loss provision to assets | 1.6508% | 51 |
| Net operating income to assets | -1.2868% | 4,967 |
| Return on assets (ROA) | -1.2206% | 4,961 |
| Pretax return on assets | -1.3884% | 4,962 |
| Return on Equity (ROE) | -12.9111% | 4,980 |
| Retained earnings to average equity (ytd only) | -12.9111% | 4,955 |
| Net charge-offs to loans | 0.8447% | 159 |
| Credit loss provision to net charge-offs | 289.0848% | 1,801 |
| Earnings coverage of net charge-offs (x) | 0.3423% | 3,132 |
| Efficiency ratio | 72.6171% | 1,562 |
| Assets per employee ($millions) | 14.5802% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3025% | 109 |
| Loan loss allowance to noncurrent loans | 160.2807% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 1.3255% | 698 |
| Noncurrent loans to loans | 2.0604% | 586 |
| Net loans and leases to total assets | 61.4291% | 3,072 |
| Net loans and leases to deposits | 74.5929% | 2,900 |
| Net loans and leases to core deposits | 83.6883% | 2,508 |
| Total domestic deposits to total assets | 82.3524% | 3,326 |
| Equity capital to assets | 8.8880% | 4,191 |
| Core capital (leverage) ratio | 8.5004% | 4,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6904% | 2,730 |
| Memoranda: |
| Average total assets | $52,605,484,500 | 45 |
| Average earning assets | $43,955,153,000 | 49 |
| Average equity | $4,973,239,250 | 51 |
| Average total loans | $34,043,966,250 | 45 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3072% | 2,455 |
| Cost of funding earning assets | 1.5181% | 158 |
| Net interest margin | 2.7891% | 4,468 |
| Noninterest income to average assets | 1.5854% | 411 |
| Noninterest expense to average assets | 4.3180% | 295 |
| Loan and lease loss provision to assets | 2.4379% | 40 |
| Net operating income to assets | -2.3981% | 5,024 |
| Return on assets (ROA) | -2.3286% | 5,023 |
| Pretax return on assets | -2.7650% | 5,027 |
| Return on Equity (ROE) | -24.1157% | 5,036 |
| Retained earnings to average equity (ytd only) | -24.1157% | 5,019 |
| Net charge-offs to loans | 1.0673% | 130 |
| Credit loss provision to net charge-offs | 330.0544% | 1,554 |
| Earnings coverage of net charge-offs (x) | -0.5895% | 2,950 |
| Efficiency ratio | 76.8072% | 1,183 |
| Assets per employee ($millions) | 14.6920% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2470% | 111 |
| Loan loss allowance to noncurrent loans | 184.8607% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 1.1335% | 993 |
| Noncurrent loans to loans | 1.7565% | 809 |
| Net loans and leases to total assets | 61.3662% | 3,182 |
| Net loans and leases to deposits | 73.6624% | 3,109 |
| Net loans and leases to core deposits | 83.1159% | 2,680 |
| Total domestic deposits to total assets | 83.3074% | 2,996 |
| Equity capital to assets | 8.5052% | 4,474 |
| Core capital (leverage) ratio | 8.3214% | 4,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3098% | 2,886 |
| Memoranda: |
| Average total assets | $51,667,490,667 | 44 |
| Average earning assets | $43,027,554,333 | 48 |
| Average equity | $4,989,082,667 | 51 |
| Average total loans | $33,656,497,333 | 45 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8741% | 1,259 |
| Cost of funding earning assets | 1.7236% | 117 |
| Net interest margin | 3.1505% | 3,981 |
| Noninterest income to average assets | 1.7194% | 314 |
| Noninterest expense to average assets | 5.7589% | 161 |
| Loan and lease loss provision to assets | 4.1275% | 23 |
| Net operating income to assets | -4.5929% | 5,093 |
| Return on assets (ROA) | -4.5040% | 5,084 |
| Pretax return on assets | -5.4600% | 5,087 |
| Return on Equity (ROE) | -43.6399% | 5,098 |
| Retained earnings to average equity (ytd only) | -43.6399% | 5,077 |
| Net charge-offs to loans | 1.1089% | 139 |
| Credit loss provision to net charge-offs | 479.6403% | 909 |
| Earnings coverage of net charge-offs (x) | -1.9649% | 2,504 |
| Efficiency ratio | 70.8561% | 2,241 |
| Assets per employee ($millions) | 13.4501% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0342% | 146 |
| Loan loss allowance to noncurrent loans | 272.4777% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.7909% | 1,714 |
| Noncurrent loans to loans | 1.1136% | 1,488 |
| Net loans and leases to total assets | 66.1957% | 2,796 |
| Net loans and leases to deposits | 81.5849% | 2,511 |
| Net loans and leases to core deposits | 93.5825% | 2,008 |
| Total domestic deposits to total assets | 81.1371% | 3,634 |
| Equity capital to assets | 9.1995% | 4,466 |
| Core capital (leverage) ratio | 8.9482% | 4,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2800% | 3,016 |
| Memoranda: |
| Average total assets | $49,131,056,500 | 45 |
| Average earning assets | $40,524,672,500 | 48 |
| Average equity | $5,070,696,500 | 50 |
| Average total loans | $32,490,775,500 | 46 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2025% | 985 |
| Cost of funding earning assets | 2.0062% | 59 |
| Net interest margin | 3.1963% | 4,191 |
| Noninterest income to average assets | 1.6937% | 338 |
| Noninterest expense to average assets | 2.8248% | 2,519 |
| Loan and lease loss provision to assets | 0.2619% | 689 |
| Net operating income to assets | 0.9710% | 2,947 |
| Return on assets (ROA) | 0.9792% | 2,992 |
| Pretax return on assets | 1.2763% | 2,589 |
| Return on Equity (ROE) | 8.4100% | 2,980 |
| Retained earnings to average equity (ytd only) | 1.5175% | 4,194 |
| Net charge-offs to loans | 0.4158% | 468 |
| Credit loss provision to net charge-offs | 97.0398% | 2,556 |
| Earnings coverage of net charge-offs (x) | 5.6560% | 3,058 |
| Efficiency ratio | 63.7161% | 3,116 |
| Assets per employee ($millions) | 14.3894% | 136 |
| Cash dividends to net income (ytd only)* | 81.9565% | 742 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5804% | 1,019 |
| Loan loss allowance to noncurrent loans | 109.6246% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.9567% | 1,321 |
| Noncurrent loans to loans | 1.4417% | 1,017 |
| Net loans and leases to total assets | 62.6245% | 3,343 |
| Net loans and leases to deposits | 79.1373% | 2,892 |
| Net loans and leases to core deposits | 91.8393% | 2,246 |
| Total domestic deposits to total assets | 79.1340% | 4,165 |
| Equity capital to assets | 11.6333% | 2,394 |
| Core capital (leverage) ratio | 10.9908% | 2,508 |
| Tier 1 risk-based capital ratio | 13.1347% | 3,721 |
| Total risk-based capital ratio | 15.1929% | 3,202 |
| Memoranda: |
| Average total assets | $44,358,503,800 | 47 |
| Average earning assets | $36,883,901,000 | 50 |
| Average equity | $5,165,016,800 | 45 |
| Average total loans | $28,793,349,600 | 45 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2818% | 900 |
| Cost of funding earning assets | 2.0368% | 59 |
| Net interest margin | 3.2450% | 4,199 |
| Noninterest income to average assets | 1.7093% | 334 |
| Noninterest expense to average assets | 2.8922% | 2,285 |
| Loan and lease loss provision to assets | 0.2566% | 625 |
| Net operating income to assets | 0.9739% | 3,076 |
| Return on assets (ROA) | 0.9816% | 3,125 |
| Pretax return on assets | 1.2849% | 2,712 |
| Return on Equity (ROE) | 8.4286% | 3,144 |
| Retained earnings to average equity (ytd only) | -0.8065% | 4,842 |
| Net charge-offs to loans | 0.4088% | 408 |
| Credit loss provision to net charge-offs | 96.2165% | 2,325 |
| Earnings coverage of net charge-offs (x) | 5.7371% | 2,893 |
| Efficiency ratio | 64.2114% | 2,974 |
| Assets per employee ($millions) | 14.5638% | 135 |
| Cash dividends to net income (ytd only)* | 109.5688% | 241 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5719% | 1,056 |
| Loan loss allowance to noncurrent loans | 113.4687% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.9360% | 1,443 |
| Noncurrent loans to loans | 1.3853% | 1,110 |
| Net loans and leases to total assets | 62.8413% | 3,403 |
| Net loans and leases to deposits | 77.5689% | 3,145 |
| Net loans and leases to core deposits | 91.5994% | 2,404 |
| Total domestic deposits to total assets | 81.0135% | 3,753 |
| Equity capital to assets | 11.3793% | 2,761 |
| Core capital (leverage) ratio | 10.7790% | 2,862 |
| Tier 1 risk-based capital ratio | 12.7701% | 3,975 |
| Total risk-based capital ratio | 14.0208% | 3,868 |
| Memoranda: |
| Average total assets | $44,130,903,250 | 47 |
| Average earning assets | $36,896,689,500 | 51 |
| Average equity | $5,139,699,750 | 46 |
| Average total loans | $28,790,518,500 | 46 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3691% | 713 |
| Cost of funding earning assets | 2.0420% | 47 |
| Net interest margin | 3.3272% | 4,084 |
| Noninterest income to average assets | 1.7323% | 325 |
| Noninterest expense to average assets | 2.8736% | 2,347 |
| Loan and lease loss provision to assets | 0.2883% | 490 |
| Net operating income to assets | 1.0438% | 2,752 |
| Return on assets (ROA) | 1.0489% | 2,802 |
| Pretax return on assets | 1.3656% | 2,316 |
| Return on Equity (ROE) | 8.9351% | 2,880 |
| Retained earnings to average equity (ytd only) | -0.0368% | 4,688 |
| Net charge-offs to loans | 0.4344% | 380 |
| Credit loss provision to net charge-offs | 101.0065% | 1,949 |
| Earnings coverage of net charge-offs (x) | 5.7628% | 2,621 |
| Efficiency ratio | 62.4185% | 3,363 |
| Assets per employee ($millions) | 14.3139% | 118 |
| Cash dividends to net income (ytd only)* | 100.4113% | 418 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5697% | 1,098 |
| Loan loss allowance to noncurrent loans | 89.9059% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 1.2128% | 1,090 |
| Noncurrent loans to loans | 1.7459% | 865 |
| Net loans and leases to total assets | 64.5274% | 3,283 |
| Net loans and leases to deposits | 80.0129% | 2,952 |
| Net loans and leases to core deposits | 94.3645% | 2,221 |
| Total domestic deposits to total assets | 80.6462% | 3,905 |
| Equity capital to assets | 11.6272% | 2,503 |
| Core capital (leverage) ratio | 10.8785% | 2,711 |
| Tier 1 risk-based capital ratio | 12.8956% | 3,893 |
| Total risk-based capital ratio | 14.1466% | 3,793 |
| Memoranda: |
| Average total assets | $43,714,245,670 | 47 |
| Average earning assets | $36,608,291,670 | 49 |
| Average equity | $5,131,585,670 | 44 |
| Average total loans | $28,729,563,670 | 46 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4152% | 611 |
| Cost of funding earning assets | 2.0235% | 50 |
| Net interest margin | 3.3917% | 3,910 |
| Noninterest income to average assets | 1.7626% | 296 |
| Noninterest expense to average assets | 3.0501% | 1,849 |
| Loan and lease loss provision to assets | 0.2744% | 496 |
| Net operating income to assets | 0.9506% | 3,045 |
| Return on assets (ROA) | 0.9565% | 3,063 |
| Pretax return on assets | 1.2949% | 2,472 |
| Return on Equity (ROE) | 8.1086% | 3,215 |
| Retained earnings to average equity (ytd only) | -1.8328% | 4,731 |
| Net charge-offs to loans | 0.4659% | 329 |
| Credit loss provision to net charge-offs | 89.4788% | 1,721 |
| Earnings coverage of net charge-offs (x) | 5.0876% | 2,279 |
| Efficiency ratio | 64.9981% | 3,087 |
| Assets per employee ($millions) | 14.0462% | 126 |
| Cash dividends to net income (ytd only)* | 122.6033% | 456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5900% | 1,082 |
| Loan loss allowance to noncurrent loans | 81.1200% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.3321% | 961 |
| Noncurrent loans to loans | 1.9601% | 763 |
| Net loans and leases to total assets | 63.5863% | 3,335 |
| Net loans and leases to deposits | 79.2053% | 2,929 |
| Net loans and leases to core deposits | 94.7303% | 2,055 |
| Total domestic deposits to total assets | 80.2804% | 4,121 |
| Equity capital to assets | 11.5373% | 2,366 |
| Core capital (leverage) ratio | 10.8603% | 2,712 |
| Tier 1 risk-based capital ratio | 13.5968% | 3,560 |
| Total risk-based capital ratio | 14.8486% | 3,468 |
| Memoranda: |
| Average total assets | $43,248,766,500 | 48 |
| Average earning assets | $36,307,851,000 | 50 |
| Average equity | $5,101,895,500 | 45 |
| Average total loans | $28,460,454,000 | 46 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0843% | 877 |
| Cost of funding earning assets | 1.5797% | 63 |
| Net interest margin | 3.5046% | 3,688 |
| Noninterest income to average assets | 1.7703% | 317 |
| Noninterest expense to average assets | 2.8853% | 2,408 |
| Loan and lease loss provision to assets | 0.4177% | 315 |
| Net operating income to assets | 1.0812% | 2,672 |
| Return on assets (ROA) | 1.0372% | 2,842 |
| Pretax return on assets | 1.3990% | 2,142 |
| Return on Equity (ROE) | 8.5353% | 3,204 |
| Retained earnings to average equity (ytd only) | 4.2182% | 3,231 |
| Net charge-offs to loans | 0.4267% | 430 |
| Credit loss provision to net charge-offs | 146.5417% | 1,863 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 3,081 |
| Efficiency ratio | 59.6888% | 3,912 |
| Assets per employee ($millions) | 13.2689% | 147 |
| Cash dividends to net income (ytd only)* | 50.5791% | 1,930 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6219% | 983 |
| Loan loss allowance to noncurrent loans | 85.8929% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.3434% | 941 |
| Noncurrent loans to loans | 1.8883% | 732 |
| Net loans and leases to total assets | 65.9718% | 3,139 |
| Net loans and leases to deposits | 86.8517% | 2,175 |
| Net loans and leases to core deposits | 106.4660% | 1,235 |
| Total domestic deposits to total assets | 75.9591% | 4,758 |
| Equity capital to assets | 12.0691% | 1,846 |
| Core capital (leverage) ratio | 11.6308% | 2,005 |
| Tier 1 risk-based capital ratio | 13.4003% | 3,604 |
| Total risk-based capital ratio | 14.6519% | 3,502 |
| Memoranda: |
| Average total assets | $41,671,061,400 | 49 |
| Average earning assets | $35,285,712,200 | 50 |
| Average equity | $5,063,604,200 | 45 |
| Average total loans | $27,833,365,400 | 45 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0162% | 918 |
| Cost of funding earning assets | 1.5173% | 62 |
| Net interest margin | 3.4988% | 3,701 |
| Noninterest income to average assets | 1.7806% | 329 |
| Noninterest expense to average assets | 2.8881% | 2,337 |
| Loan and lease loss provision to assets | 0.4316% | 287 |
| Net operating income to assets | 1.0405% | 2,920 |
| Return on assets (ROA) | 0.9800% | 3,189 |
| Pretax return on assets | 1.3770% | 2,314 |
| Return on Equity (ROE) | 8.0513% | 3,531 |
| Retained earnings to average equity (ytd only) | 4.9927% | 3,239 |
| Net charge-offs to loans | 0.4520% | 345 |
| Credit loss provision to net charge-offs | 143.0955% | 1,769 |
| Earnings coverage of net charge-offs (x) | 6.1718% | 2,905 |
| Efficiency ratio | 59.5930% | 3,867 |
| Assets per employee ($millions) | 12.7878% | 164 |
| Cash dividends to net income (ytd only)* | 37.9882% | 2,161 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5933% | 1,096 |
| Loan loss allowance to noncurrent loans | 71.1263% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.6122% | 772 |
| Noncurrent loans to loans | 2.2401% | 623 |
| Net loans and leases to total assets | 67.1609% | 3,054 |
| Net loans and leases to deposits | 87.2616% | 2,239 |
| Net loans and leases to core deposits | 107.4802% | 1,201 |
| Total domestic deposits to total assets | 76.9650% | 4,649 |
| Equity capital to assets | 12.2676% | 1,728 |
| Core capital (leverage) ratio | 11.5621% | 2,125 |
| Tier 1 risk-based capital ratio | 13.7181% | 3,502 |
| Total risk-based capital ratio | 14.9699% | 3,419 |
| Memoranda: |
| Average total assets | $41,543,406,250 | 49 |
| Average earning assets | $35,252,026,750 | 50 |
| Average equity | $5,056,766,250 | 45 |
| Average total loans | $27,720,009,000 | 45 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9490% | 921 |
| Cost of funding earning assets | 1.4482% | 61 |
| Net interest margin | 3.5008% | 3,620 |
| Noninterest income to average assets | 1.9029% | 294 |
| Noninterest expense to average assets | 2.9081% | 2,335 |
| Loan and lease loss provision to assets | 0.4911% | 233 |
| Net operating income to assets | 1.0773% | 2,674 |
| Return on assets (ROA) | 0.9704% | 3,146 |
| Pretax return on assets | 1.3766% | 2,239 |
| Return on Equity (ROE) | 7.9927% | 3,510 |
| Retained earnings to average equity (ytd only) | 7.9927% | 1,637 |
| Net charge-offs to loans | 0.4936% | 309 |
| Credit loss provision to net charge-offs | 150.2116% | 1,576 |
| Earnings coverage of net charge-offs (x) | 6.0177% | 2,664 |
| Efficiency ratio | 58.4669% | 4,161 |
| Assets per employee ($millions) | 12.7221% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6122% | 1,079 |
| Loan loss allowance to noncurrent loans | 70.2354% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 1.5795% | 818 |
| Noncurrent loans to loans | 2.2954% | 593 |
| Net loans and leases to total assets | 64.1250% | 3,383 |
| Net loans and leases to deposits | 83.5130% | 2,590 |
| Net loans and leases to core deposits | 102.0921% | 1,558 |
| Total domestic deposits to total assets | 76.7845% | 4,757 |
| Equity capital to assets | 12.1276% | 1,764 |
| Core capital (leverage) ratio | 11.3711% | 2,184 |
| Tier 1 risk-based capital ratio | 13.9471% | 3,379 |
| Total risk-based capital ratio | 15.1989% | 3,305 |
| Memoranda: |
| Average total assets | $41,780,761,670 | 49 |
| Average earning assets | $35,475,852,330 | 49 |
| Average equity | $5,072,675,670 | 45 |
| Average total loans | $27,671,114,670 | 46 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8207% | 1,031 |
| Cost of funding earning assets | 1.3437% | 71 |
| Net interest margin | 3.4770% | 3,619 |
| Noninterest income to average assets | 1.7306% | 334 |
| Noninterest expense to average assets | 2.8822% | 2,439 |
| Loan and lease loss provision to assets | 0.6245% | 161 |
| Net operating income to assets | 0.8639% | 3,437 |
| Return on assets (ROA) | 0.8221% | 3,631 |
| Pretax return on assets | 1.1426% | 2,996 |
| Return on Equity (ROE) | 6.7676% | 3,871 |
| Retained earnings to average equity (ytd only) | 6.7676% | 2,380 |
| Net charge-offs to loans | 0.7156% | 209 |
| Credit loss provision to net charge-offs | 130.7281% | 1,331 |
| Earnings coverage of net charge-offs (x) | 3.7727% | 2,358 |
| Efficiency ratio | 60.2995% | 4,024 |
| Assets per employee ($millions) | 12.0762% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4955% | 1,480 |
| Loan loss allowance to noncurrent loans | 83.4917% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.2749% | 1,165 |
| Noncurrent loans to loans | 1.7912% | 938 |
| Net loans and leases to total assets | 64.2618% | 3,274 |
| Net loans and leases to deposits | 85.6583% | 2,209 |
| Net loans and leases to core deposits | 105.6309% | 1,265 |
| Total domestic deposits to total assets | 75.0211% | 5,062 |
| Equity capital to assets | 11.7482% | 1,953 |
| Core capital (leverage) ratio | 11.5908% | 1,943 |
| Tier 1 risk-based capital ratio | 13.6171% | 3,593 |
| Total risk-based capital ratio | 14.8679% | 3,505 |
| Memoranda: |
| Average total assets | $41,838,765,000 | 50 |
| Average earning assets | $35,542,910,000 | 50 |
| Average equity | $5,082,536,000 | 47 |
| Average total loans | $27,929,009,000 | 47 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9160% | 770 |
| Cost of funding earning assets | 1.2324% | 64 |
| Net interest margin | 3.6836% | 2,865 |
| Noninterest income to average assets | 1.7922% | 348 |
| Noninterest expense to average assets | 3.3918% | 1,214 |
| Loan and lease loss provision to assets | 0.2413% | 788 |
| Net operating income to assets | 0.7425% | 3,416 |
| Return on assets (ROA) | 0.7349% | 3,492 |
| Pretax return on assets | 1.3019% | 2,341 |
| Return on Equity (ROE) | 5.7776% | 3,846 |
| Retained earnings to average equity (ytd only) | -1.0579% | 5,195 |
| Net charge-offs to loans | 0.3699% | 690 |
| Credit loss provision to net charge-offs | 97.2119% | 2,656 |
| Earnings coverage of net charge-offs (x) | 6.2243% | 3,213 |
| Efficiency ratio | 59.2657% | 4,380 |
| Assets per employee ($millions) | 11.4136% | 220 |
| Cash dividends to net income (ytd only)* | 118.3097% | 227 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4488% | 1,587 |
| Loan loss allowance to noncurrent loans | 82.9630% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 1.3277% | 1,088 |
| Noncurrent loans to loans | 1.7463% | 925 |
| Net loans and leases to total assets | 67.3614% | 2,908 |
| Net loans and leases to deposits | 91.2283% | 1,625 |
| Net loans and leases to core deposits | 114.8694% | 758 |
| Total domestic deposits to total assets | 73.8382% | 5,197 |
| Equity capital to assets | 12.5691% | 1,475 |
| Core capital (leverage) ratio | 11.7965% | 1,728 |
| Tier 1 risk-based capital ratio | 13.7114% | 3,513 |
| Total risk-based capital ratio | 14.9617% | 3,431 |
| Memoranda: |
| Average total assets | $41,289,683,400 | 48 |
| Average earning assets | $35,245,095,600 | 49 |
| Average equity | $5,251,986,400 | 45 |
| Average total loans | $27,702,821,400 | 44 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9321% | 709 |
| Cost of funding earning assets | 1.2222% | 60 |
| Net interest margin | 3.7099% | 2,718 |
| Noninterest income to average assets | 1.6514% | 411 |
| Noninterest expense to average assets | 2.8946% | 2,428 |
| Loan and lease loss provision to assets | 0.2159% | 865 |
| Net operating income to assets | 1.1720% | 1,798 |
| Return on assets (ROA) | 1.1713% | 1,840 |
| Pretax return on assets | 1.7186% | 1,077 |
| Return on Equity (ROE) | 9.1815% | 2,508 |
| Retained earnings to average equity (ytd only) | 2.7479% | 4,260 |
| Net charge-offs to loans | 0.4052% | 522 |
| Credit loss provision to net charge-offs | 79.7962% | 2,585 |
| Earnings coverage of net charge-offs (x) | 7.1348% | 2,909 |
| Efficiency ratio | 58.7535% | 4,395 |
| Assets per employee ($millions) | 11.0965% | 224 |
| Cash dividends to net income (ytd only)* | 70.0713% | 964 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4463% | 1,712 |
| Loan loss allowance to noncurrent loans | 73.5903% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.4763% | 1,036 |
| Noncurrent loans to loans | 1.9654% | 871 |
| Net loans and leases to total assets | 66.0010% | 3,104 |
| Net loans and leases to deposits | 88.9933% | 1,925 |
| Net loans and leases to core deposits | 113.0106% | 888 |
| Total domestic deposits to total assets | 74.1641% | 5,224 |
| Equity capital to assets | 13.1936% | 1,296 |
| Core capital (leverage) ratio | 11.7258% | 1,867 |
| Tier 1 risk-based capital ratio | 13.8710% | 3,503 |
| Total risk-based capital ratio | 15.1186% | 3,433 |
| Memoranda: |
| Average total assets | $41,425,464,000 | 48 |
| Average earning assets | $35,442,257,750 | 48 |
| Average equity | $5,284,616,000 | 45 |
| Average total loans | $27,665,788,750 | 43 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9112% | 676 |
| Cost of funding earning assets | 1.2132% | 58 |
| Net interest margin | 3.6980% | 2,668 |
| Noninterest income to average assets | 1.7587% | 384 |
| Noninterest expense to average assets | 2.9889% | 2,144 |
| Loan and lease loss provision to assets | 0.1712% | 1,140 |
| Net operating income to assets | 1.2327% | 1,491 |
| Return on assets (ROA) | 1.2383% | 1,512 |
| Pretax return on assets | 1.7845% | 873 |
| Return on Equity (ROE) | 9.8148% | 2,118 |
| Retained earnings to average equity (ytd only) | 6.2144% | 2,008 |
| Net charge-offs to loans | 0.2975% | 684 |
| Credit loss provision to net charge-offs | 86.2194% | 2,189 |
| Earnings coverage of net charge-offs (x) | 9.8231% | 2,392 |
| Efficiency ratio | 59.3231% | 4,420 |
| Assets per employee ($millions) | 11.1330% | 219 |
| Cash dividends to net income (ytd only)* | 36.6838% | 2,486 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4693% | 1,686 |
| Loan loss allowance to noncurrent loans | 78.1791% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 1.4337% | 1,093 |
| Noncurrent loans to loans | 1.8794% | 931 |
| Net loans and leases to total assets | 65.2127% | 3,227 |
| Net loans and leases to deposits | 84.1531% | 2,450 |
| Net loans and leases to core deposits | 108.2550% | 1,097 |
| Total domestic deposits to total assets | 77.4929% | 4,890 |
| Equity capital to assets | 13.0114% | 1,377 |
| Core capital (leverage) ratio | 10.4890% | 2,930 |
| Tier 1 risk-based capital ratio | 14.1715% | 3,327 |
| Total risk-based capital ratio | 15.4222% | 3,247 |
| Memoranda: |
| Average total assets | $41,825,655,670 | 46 |
| Average earning assets | $35,970,033,330 | 48 |
| Average equity | $5,277,118,670 | 45 |
| Average total loans | $27,908,233,000 | 43 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7348% | 876 |
| Cost of funding earning assets | 1.1461% | 72 |
| Net interest margin | 3.5886% | 2,928 |
| Noninterest income to average assets | 1.7454% | 382 |
| Noninterest expense to average assets | 2.9976% | 2,168 |
| Loan and lease loss provision to assets | 0.2667% | 548 |
| Net operating income to assets | 0.9917% | 2,343 |
| Return on assets (ROA) | 0.9042% | 2,792 |
| Pretax return on assets | 1.4824% | 1,595 |
| Return on Equity (ROE) | 7.2775% | 3,279 |
| Retained earnings to average equity (ytd only) | 7.2775% | 1,759 |
| Net charge-offs to loans | 0.3280% | 559 |
| Credit loss provision to net charge-offs | 121.4020% | 1,390 |
| Earnings coverage of net charge-offs (x) | 8.3592% | 2,070 |
| Efficiency ratio | 60.7966% | 4,346 |
| Assets per employee ($millions) | 11.4153% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4725% | 1,789 |
| Loan loss allowance to noncurrent loans | 76.8135% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 1.4625% | 1,121 |
| Noncurrent loans to loans | 1.9170% | 946 |
| Net loans and leases to total assets | 65.4474% | 3,055 |
| Net loans and leases to deposits | 84.9980% | 2,163 |
| Net loans and leases to core deposits | 111.1075% | 823 |
| Total domestic deposits to total assets | 76.9987% | 5,110 |
| Equity capital to assets | 12.5645% | 1,490 |
| Core capital (leverage) ratio | 11.2962% | 2,107 |
| Tier 1 risk-based capital ratio | 13.7077% | 3,659 |
| Total risk-based capital ratio | 14.9585% | 3,560 |
| Memoranda: |
| Average total assets | $42,147,943,000 | 46 |
| Average earning assets | $36,278,597,500 | 47 |
| Average equity | $5,236,550,500 | 43 |
| Average total loans | $28,234,459,000 | 42 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7824% | 916 |
| Cost of funding earning assets | 1.1661% | 60 |
| Net interest margin | 3.6163% | 3,016 |
| Noninterest income to average assets | 1.5920% | 484 |
| Noninterest expense to average assets | 3.6741% | 914 |
| Loan and lease loss provision to assets | 0.4632% | 303 |
| Net operating income to assets | 0.1272% | 5,529 |
| Return on assets (ROA) | -0.3588% | 5,765 |
| Pretax return on assets | 0.0890% | 5,600 |
| Return on Equity (ROE) | -2.8355% | 5,751 |
| Retained earnings to average equity (ytd only) | -6.9100% | 5,726 |
| Net charge-offs to loans | 0.4514% | 565 |
| Credit loss provision to net charge-offs | 150.2550% | 1,821 |
| Earnings coverage of net charge-offs (x) | 3.3681% | 3,680 |
| Efficiency ratio | 62.0595% | 4,236 |
| Assets per employee ($millions) | 11.4863% | 197 |
| Cash dividends to net income (ytd only)* | -143.6939% | 5,895 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4252% | 1,980 |
| Loan loss allowance to noncurrent loans | 70.7219% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.5357% | 1,063 |
| Noncurrent loans to loans | 2.0152% | 888 |
| Net loans and leases to total assets | 66.5623% | 2,994 |
| Net loans and leases to deposits | 86.9058% | 2,065 |
| Net loans and leases to core deposits | 114.8134% | 663 |
| Total domestic deposits to total assets | 76.5914% | 5,170 |
| Equity capital to assets | 12.3280% | 1,618 |
| Core capital (leverage) ratio | 10.9323% | 2,404 |
| Tier 1 risk-based capital ratio | 13.4361% | 3,809 |
| Total risk-based capital ratio | 14.6865% | 3,709 |
| Memoranda: |
| Average total assets | $43,249,470,000 | 45 |
| Average earning assets | $37,317,964,800 | 45 |
| Average equity | $5,473,078,400 | 42 |
| Average total loans | $29,538,038,000 | 40 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7294% | 1,014 |
| Cost of funding earning assets | 1.1678% | 61 |
| Net interest margin | 3.5616% | 3,227 |
| Noninterest income to average assets | 1.5990% | 477 |
| Noninterest expense to average assets | 2.7962% | 3,022 |
| Loan and lease loss provision to assets | 0.5020% | 247 |
| Net operating income to assets | 0.8875% | 2,967 |
| Return on assets (ROA) | 0.3134% | 5,340 |
| Pretax return on assets | 0.8027% | 4,299 |
| Return on Equity (ROE) | 2.4608% | 5,363 |
| Retained earnings to average equity (ytd only) | -1.8718% | 5,588 |
| Net charge-offs to loans | 0.4905% | 432 |
| Credit loss provision to net charge-offs | 149.4311% | 1,779 |
| Earnings coverage of net charge-offs (x) | 5.5928% | 3,107 |
| Efficiency ratio | 58.5666% | 4,740 |
| Assets per employee ($millions) | 11.6144% | 187 |
| Cash dividends to net income (ytd only)* | 176.0649% | 111 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3794% | 2,294 |
| Loan loss allowance to noncurrent loans | 71.3304% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 1.5062% | 1,186 |
| Noncurrent loans to loans | 1.9338% | 1,025 |
| Net loans and leases to total assets | 66.5383% | 3,033 |
| Net loans and leases to deposits | 86.8582% | 2,161 |
| Net loans and leases to core deposits | 119.2873% | 526 |
| Total domestic deposits to total assets | 76.6057% | 5,146 |
| Equity capital to assets | 12.8874% | 1,554 |
| Core capital (leverage) ratio | 10.8539% | 2,621 |
| Tier 1 risk-based capital ratio | 13.1341% | 4,077 |
| Total risk-based capital ratio | 14.3816% | 3,984 |
| Memoranda: |
| Average total assets | $43,500,194,500 | 44 |
| Average earning assets | $37,569,393,250 | 45 |
| Average equity | $5,539,308,500 | 42 |
| Average total loans | $29,790,828,250 | 40 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7062% | 1,039 |
| Cost of funding earning assets | 1.1599% | 66 |
| Net interest margin | 3.5463% | 3,304 |
| Noninterest income to average assets | 1.4038% | 588 |
| Noninterest expense to average assets | 2.7645% | 3,152 |
| Loan and lease loss provision to assets | 0.5598% | 213 |
| Net operating income to assets | 0.7419% | 3,592 |
| Return on assets (ROA) | -0.0445% | 5,812 |
| Pretax return on assets | 0.3635% | 5,399 |
| Return on Equity (ROE) | -0.3512% | 5,811 |
| Retained earnings to average equity (ytd only) | -6.8486% | 5,812 |
| Net charge-offs to loans | 0.5718% | 362 |
| Credit loss provision to net charge-offs | 142.2818% | 1,658 |
| Earnings coverage of net charge-offs (x) | 4.3455% | 2,998 |
| Efficiency ratio | 60.4904% | 4,579 |
| Assets per employee ($millions) | 11.6264% | 171 |
| Cash dividends to net income (ytd only)* | -1,850.1388% | 6,052 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2760% | 2,916 |
| Loan loss allowance to noncurrent loans | 64.8854% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 1.5547% | 1,211 |
| Noncurrent loans to loans | 1.9665% | 1,012 |
| Net loans and leases to total assets | 67.6630% | 2,831 |
| Net loans and leases to deposits | 89.2072% | 1,838 |
| Net loans and leases to core deposits | 122.5150% | 449 |
| Total domestic deposits to total assets | 75.8492% | 5,307 |
| Equity capital to assets | 12.4791% | 1,783 |
| Core capital (leverage) ratio | 10.5320% | 2,935 |
| Tier 1 risk-based capital ratio | 12.6125% | 4,438 |
| Total risk-based capital ratio | 13.7817% | 4,412 |
| Memoranda: |
| Average total assets | $43,683,630,330 | 44 |
| Average earning assets | $37,822,995,670 | 44 |
| Average equity | $5,540,703,000 | 42 |
| Average total loans | $30,061,828,670 | 39 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7060% | 1,038 |
| Cost of funding earning assets | 1.1546% | 67 |
| Net interest margin | 3.5514% | 3,272 |
| Noninterest income to average assets | 1.2202% | 725 |
| Noninterest expense to average assets | 2.6359% | 3,632 |
| Loan and lease loss provision to assets | 0.8052% | 128 |
| Net operating income to assets | 0.5827% | 4,262 |
| Return on assets (ROA) | 0.5386% | 4,578 |
| Pretax return on assets | 0.8163% | 4,145 |
| Return on Equity (ROE) | 4.2128% | 4,810 |
| Retained earnings to average equity (ytd only) | -0.7852% | 5,250 |
| Net charge-offs to loans | 0.5987% | 368 |
| Credit loss provision to net charge-offs | 195.0513% | 1,100 |
| Earnings coverage of net charge-offs (x) | 4.0346% | 2,473 |
| Efficiency ratio | 59.9347% | 4,755 |
| Assets per employee ($millions) | 11.7928% | 165 |
| Cash dividends to net income (ytd only)* | 118.6380% | 543 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2645% | 3,086 |
| Loan loss allowance to noncurrent loans | 60.3543% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 1.6733% | 1,172 |
| Noncurrent loans to loans | 2.0951% | 1,004 |
| Net loans and leases to total assets | 68.0462% | 2,641 |
| Net loans and leases to deposits | 90.5483% | 1,511 |
| Net loans and leases to core deposits | 122.9736% | 388 |
| Total domestic deposits to total assets | 75.1490% | 5,507 |
| Equity capital to assets | 12.7714% | 1,528 |
| Core capital (leverage) ratio | 10.8315% | 2,592 |
| Tier 1 risk-based capital ratio | 12.8681% | 4,347 |
| Total risk-based capital ratio | 14.0294% | 4,319 |
| Memoranda: |
| Average total assets | $43,819,026,500 | 43 |
| Average earning assets | $38,019,223,000 | 44 |
| Average equity | $5,602,289,500 | 42 |
| Average total loans | $30,215,700,000 | 39 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4989% | 1,601 |
| Cost of funding earning assets | 1.3118% | 34 |
| Net interest margin | 3.1871% | 4,669 |
| Noninterest income to average assets | 1.3509% | 660 |
| Noninterest expense to average assets | 2.6824% | 3,641 |
| Loan and lease loss provision to assets | 0.5093% | 222 |
| Net operating income to assets | 0.6862% | 3,882 |
| Return on assets (ROA) | 0.6520% | 4,126 |
| Pretax return on assets | 0.9551% | 3,630 |
| Return on Equity (ROE) | 5.0650% | 4,471 |
| Retained earnings to average equity (ytd only) | -6.6596% | 5,968 |
| Net charge-offs to loans | 0.4245% | 665 |
| Credit loss provision to net charge-offs | 174.3954% | 1,557 |
| Earnings coverage of net charge-offs (x) | 5.1314% | 3,434 |
| Efficiency ratio | 63.1278% | 4,420 |
| Assets per employee ($millions) | 11.6386% | 167 |
| Cash dividends to net income (ytd only)* | 231.4818% | 74 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1168% | 3,952 |
| Loan loss allowance to noncurrent loans | 54.3493% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 1.6985% | 1,144 |
| Noncurrent loans to loans | 2.0548% | 1,006 |
| Net loans and leases to total assets | 68.2544% | 2,667 |
| Net loans and leases to deposits | 90.8860% | 1,519 |
| Net loans and leases to core deposits | 122.6546% | 414 |
| Total domestic deposits to total assets | 75.0989% | 5,544 |
| Equity capital to assets | 12.8046% | 1,461 |
| Core capital (leverage) ratio | 10.9296% | 2,468 |
| Tier 1 risk-based capital ratio | 13.2393% | 4,144 |
| Total risk-based capital ratio | 14.2877% | 4,196 |
| Memoranda: |
| Average total assets | $30,424,056,400 | 52 |
| Average earning assets | $27,016,365,000 | 54 |
| Average equity | $3,916,262,200 | 47 |
| Average total loans | $20,929,345,600 | 49 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2209% | 2,511 |
| Cost of funding earning assets | 1.3557% | 33 |
| Net interest margin | 2.8651% | 5,467 |
| Noninterest income to average assets | 1.4803% | 562 |
| Noninterest expense to average assets | 2.4404% | 4,389 |
| Loan and lease loss provision to assets | 0.4836% | 214 |
| Net operating income to assets | 0.7417% | 3,722 |
| Return on assets (ROA) | 0.7236% | 3,908 |
| Pretax return on assets | 1.1039% | 3,215 |
| Return on Equity (ROE) | 5.6091% | 4,356 |
| Retained earnings to average equity (ytd only) | -11.9113% | 6,154 |
| Net charge-offs to loans | 0.4321% | 588 |
| Credit loss provision to net charge-offs | 162.8940% | 1,579 |
| Earnings coverage of net charge-offs (x) | 5.4082% | 3,206 |
| Efficiency ratio | 59.5951% | 4,932 |
| Assets per employee ($millions) | 15.0447% | 80 |
| Cash dividends to net income (ytd only)* | 312.3571% | 37 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0150% | 4,667 |
| Loan loss allowance to noncurrent loans | 50.7637% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 1.6811% | 1,295 |
| Noncurrent loans to loans | 1.9994% | 1,160 |
| Net loans and leases to total assets | 68.8001% | 2,565 |
| Net loans and leases to deposits | 92.4826% | 1,357 |
| Net loans and leases to core deposits | 124.8970% | 356 |
| Total domestic deposits to total assets | 74.3925% | 5,675 |
| Equity capital to assets | 12.7469% | 1,590 |
| Core capital (leverage) ratio | 13.5159% | 1,012 |
| Tier 1 risk-based capital ratio | 13.2841% | 4,268 |
| Total risk-based capital ratio | 14.2400% | 4,356 |
| Memoranda: |
| Average total assets | $27,086,629,250 | 58 |
| Average earning assets | $24,255,952,500 | 57 |
| Average equity | $3,494,252,750 | 50 |
| Average total loans | $18,609,269,250 | 52 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6157% | 1,246 |
| Cost of funding earning assets | 0.6483% | 1,116 |
| Net interest margin | 3.9673% | 1,747 |
| Noninterest income to average assets | -0.1618% | 6,316 |
| Noninterest expense to average assets | 1.6797% | 5,986 |
| Loan and lease loss provision to assets | 0.0911% | 2,299 |
| Net operating income to assets | 1.0152% | 2,312 |
| Return on assets (ROA) | 1.0688% | 2,163 |
| Pretax return on assets | 1.7040% | 1,082 |
| Return on Equity (ROE) | 8.2194% | 2,931 |
| Retained earnings to average equity (ytd only) | 4.7283% | 3,034 |
| Net charge-offs to loans | -0.0289% | 5,318 |
| Credit loss provision to net charge-offs | -461.9361% | 5,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0092% | 5,961 |
| Assets per employee ($millions) | 12.7350% | 125 |
| Cash dividends to net income (ytd only)* | 42.4743% | 2,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9265% | 5,190 |
| Loan loss allowance to noncurrent loans | 24.2574% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 3.2033% | 483 |
| Noncurrent loans to loans | 3.8196% | 426 |
| Net loans and leases to total assets | 66.2522% | 2,906 |
| Net loans and leases to deposits | 96.3325% | 933 |
| Net loans and leases to core deposits | 103.0823% | 1,261 |
| Total domestic deposits to total assets | 68.7745% | 6,087 |
| Equity capital to assets | 13.0957% | 1,350 |
| Core capital (leverage) ratio | 12.5106% | 1,376 |
| Tier 1 risk-based capital ratio | 21.5875% | 1,269 |
| Total risk-based capital ratio | 22.7705% | 1,263 |
| Memoranda: |
| Average total assets | $21,587,327,330 | 69 |
| Average earning assets | $19,636,656,670 | 66 |
| Average equity | $2,807,117,000 | 62 |
| Average total loans | $14,714,468,670 | 66 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5063% | 1,437 |
| Cost of funding earning assets | 0.6563% | 1,071 |
| Net interest margin | 3.8500% | 2,066 |
| Noninterest income to average assets | -0.1558% | 6,374 |
| Noninterest expense to average assets | 1.6910% | 6,022 |
| Loan and lease loss provision to assets | 0.1019% | 1,997 |
| Net operating income to assets | 0.9428% | 2,548 |
| Return on assets (ROA) | 0.8511% | 3,119 |
| Pretax return on assets | 1.4308% | 1,773 |
| Return on Equity (ROE) | 6.5682% | 3,728 |
| Retained earnings to average equity (ytd only) | -0.4491% | 5,463 |
| Net charge-offs to loans | -0.0656% | 5,660 |
| Credit loss provision to net charge-offs | -225.8741% | 4,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9440% | 5,919 |
| Assets per employee ($millions) | 12.3736% | 137 |
| Cash dividends to net income (ytd only)* | 106.8376% | 614 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8434% | 5,589 |
| Loan loss allowance to noncurrent loans | 20.1192% | 5,714 |
| Noncurrent assets plus other real estate owned to assets | 3.5813% | 454 |
| Noncurrent loans to loans | 4.1920% | 394 |
| Net loans and leases to total assets | 69.0189% | 2,282 |
| Net loans and leases to deposits | 101.5496% | 481 |
| Net loans and leases to core deposits | 109.2401% | 784 |
| Total domestic deposits to total assets | 67.9657% | 6,199 |
| Equity capital to assets | 13.0799% | 1,355 |
| Core capital (leverage) ratio | 12.1636% | 1,539 |
| Tier 1 risk-based capital ratio | 20.2136% | 1,572 |
| Total risk-based capital ratio | 21.2673% | 1,583 |
| Memoranda: |
| Average total assets | $21,556,202,500 | 69 |
| Average earning assets | $19,526,988,500 | 66 |
| Average equity | $2,793,095,500 | 60 |
| Average total loans | $14,832,971,000 | 65 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4921% | 1,901 |
| Cost of funding earning assets | 0.7020% | 1,097 |
| Net interest margin | 3.7901% | 2,662 |
| Noninterest income to average assets | -0.0949% | 6,448 |
| Noninterest expense to average assets | 1.6917% | 6,162 |
| Loan and lease loss provision to assets | 0.2070% | 1,210 |
| Net operating income to assets | 0.8586% | 3,068 |
| Return on assets (ROA) | 0.7411% | 3,779 |
| Pretax return on assets | 1.2912% | 2,273 |
| Return on Equity (ROE) | 5.5982% | 4,364 |
| Retained earnings to average equity (ytd only) | -11.5656% | 6,340 |
| Net charge-offs to loans | 0.0946% | 3,150 |
| Credit loss provision to net charge-offs | 342.1914% | 771 |
| Earnings coverage of net charge-offs (x) | 26.5716% | 1,459 |
| Efficiency ratio | 50.1689% | 6,085 |
| Assets per employee ($millions) | 12.5895% | 126 |
| Cash dividends to net income (ytd only)* | 306.5945% | 41 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7965% | 5,781 |
| Loan loss allowance to noncurrent loans | 16.9182% | 5,871 |
| Noncurrent assets plus other real estate owned to assets | 3.9373% | 432 |
| Noncurrent loans to loans | 4.7082% | 337 |
| Net loans and leases to total assets | 67.4917% | 2,648 |
| Net loans and leases to deposits | 103.1636% | 465 |
| Net loans and leases to core deposits | 110.8003% | 744 |
| Total domestic deposits to total assets | 65.4220% | 6,341 |
| Equity capital to assets | 12.8374% | 1,444 |
| Core capital (leverage) ratio | 11.8860% | 1,705 |
| Tier 1 risk-based capital ratio | 23.3116% | 1,031 |
| Total risk-based capital ratio | 24.4974% | 1,024 |
| Memoranda: |
| Average total assets | $22,312,395,200 | 62 |
| Average earning assets | $19,980,914,600 | 62 |
| Average equity | $2,953,892,400 | 53 |
| Average total loans | $14,265,120,200 | 60 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4246% | 2,143 |
| Cost of funding earning assets | 0.7063% | 1,120 |
| Net interest margin | 3.7183% | 2,946 |
| Noninterest income to average assets | -0.1721% | 6,548 |
| Noninterest expense to average assets | 1.6646% | 6,234 |
| Loan and lease loss provision to assets | 0.1692% | 1,459 |
| Net operating income to assets | 0.8089% | 3,391 |
| Return on assets (ROA) | 0.6053% | 4,513 |
| Pretax return on assets | 1.1221% | 3,101 |
| Return on Equity (ROE) | 4.5387% | 4,945 |
| Retained earnings to average equity (ytd only) | -15.4659% | 6,449 |
| Net charge-offs to loans | 0.1350% | 2,443 |
| Credit loss provision to net charge-offs | 199.0908% | 1,273 |
| Earnings coverage of net charge-offs (x) | 17.4669% | 1,900 |
| Efficiency ratio | 51.6482% | 6,015 |
| Assets per employee ($millions) | 12.4394% | 127 |
| Cash dividends to net income (ytd only)* | 440.7578% | 19 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5483% | 6,287 |
| Loan loss allowance to noncurrent loans | 10.6791% | 6,022 |
| Noncurrent assets plus other real estate owned to assets | 4.0678% | 474 |
| Noncurrent loans to loans | 5.1342% | 345 |
| Net loans and leases to total assets | 66.4110% | 2,787 |
| Net loans and leases to deposits | 101.5588% | 520 |
| Net loans and leases to core deposits | 109.2111% | 782 |
| Total domestic deposits to total assets | 65.3917% | 6,415 |
| Equity capital to assets | 12.9101% | 1,473 |
| Core capital (leverage) ratio | 11.8298% | 1,811 |
| Tier 1 risk-based capital ratio | 24.1003% | 979 |
| Total risk-based capital ratio | 24.9412% | 1,003 |
| Memoranda: |
| Average total assets | $22,439,243,000 | 64 |
| Average earning assets | $20,040,375,500 | 63 |
| Average equity | $2,992,566,750 | 52 |
| Average total loans | $14,122,719,250 | 60 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3525% | 2,375 |
| Cost of funding earning assets | 0.6971% | 1,203 |
| Net interest margin | 3.6554% | 3,122 |
| Noninterest income to average assets | -0.2722% | 6,635 |
| Noninterest expense to average assets | 1.6273% | 6,337 |
| Loan and lease loss provision to assets | 0.0874% | 2,570 |
| Net operating income to assets | 0.7800% | 3,425 |
| Return on assets (ROA) | 0.5366% | 4,761 |
| Pretax return on assets | 1.0396% | 3,325 |
| Return on Equity (ROE) | 3.9822% | 5,156 |
| Retained earnings to average equity (ytd only) | -25.5063% | 6,565 |
| Net charge-offs to loans | 0.0035% | 4,266 |
| Credit loss provision to net charge-offs | 4,013.8211% | 90 |
| Earnings coverage of net charge-offs (x) | 621.7073% | 115 |
| Efficiency ratio | 53.2457% | 5,978 |
| Assets per employee ($millions) | 12.2878% | 128 |
| Cash dividends to net income (ytd only)* | 740.5086% | 18 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5712% | 6,347 |
| Loan loss allowance to noncurrent loans | 10.1534% | 6,081 |
| Noncurrent assets plus other real estate owned to assets | 4.2016% | 487 |
| Noncurrent loans to loans | 5.6261% | 307 |
| Net loans and leases to total assets | 64.6167% | 2,982 |
| Net loans and leases to deposits | 99.3279% | 589 |
| Net loans and leases to core deposits | 106.6604% | 859 |
| Total domestic deposits to total assets | 65.0539% | 6,497 |
| Equity capital to assets | 12.4178% | 1,699 |
| Core capital (leverage) ratio | 11.6285% | 1,902 |
| Tier 1 risk-based capital ratio | 23.8198% | 1,007 |
| Total risk-based capital ratio | 24.6637% | 1,045 |
| Memoranda: |
| Average total assets | $22,600,468,330 | 63 |
| Average earning assets | $20,112,674,670 | 63 |
| Average equity | $3,045,257,000 | 52 |
| Average total loans | $13,943,195,670 | 61 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2710% | 2,631 |
| Cost of funding earning assets | 0.6951% | 1,277 |
| Net interest margin | 3.5759% | 3,360 |
| Noninterest income to average assets | -0.1986% | 6,687 |
| Noninterest expense to average assets | 1.6468% | 6,395 |
| Loan and lease loss provision to assets | -0.0101% | 6,400 |
| Net operating income to assets | 0.8337% | 2,988 |
| Return on assets (ROA) | 0.7654% | 3,416 |
| Pretax return on assets | 1.2704% | 2,212 |
| Return on Equity (ROE) | 5.4677% | 4,293 |
| Retained earnings to average equity (ytd only) | -3.8693% | 6,046 |
| Net charge-offs to loans | 0.0029% | 3,621 |
| Credit loss provision to net charge-offs | -575.7576% | 5,216 |
| Earnings coverage of net charge-offs (x) | 757.4141% | 39 |
| Efficiency ratio | 54.0036% | 6,009 |
| Assets per employee ($millions) | 11.5204% | 154 |
| Cash dividends to net income (ytd only)* | 170.7666% | 321 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5688% | 6,444 |
| Loan loss allowance to noncurrent loans | 8.8548% | 6,180 |
| Noncurrent assets plus other real estate owned to assets | 4.6048% | 470 |
| Noncurrent loans to loans | 6.4237% | 261 |
| Net loans and leases to total assets | 62.6490% | 3,134 |
| Net loans and leases to deposits | 94.5875% | 739 |
| Net loans and leases to core deposits | 101.1101% | 1,030 |
| Total domestic deposits to total assets | 66.2340% | 6,553 |
| Equity capital to assets | 14.5173% | 786 |
| Core capital (leverage) ratio | 13.3351% | 1,023 |
| Tier 1 risk-based capital ratio | 28.6534% | 598 |
| Total risk-based capital ratio | 29.4814% | 610 |
| Memoranda: |
| Average total assets | $22,645,034,000 | 63 |
| Average earning assets | $20,074,443,000 | 63 |
| Average equity | $3,170,173,500 | 50 |
| Average total loans | $13,599,968,000 | 61 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3430% | 2,798 |
| Cost of funding earning assets | 1.0018% | 436 |
| Net interest margin | 3.3412% | 4,514 |
| Noninterest income to average assets | 0.2414% | 5,617 |
| Noninterest expense to average assets | 1.4897% | 6,580 |
| Loan and lease loss provision to assets | 0.0461% | 4,196 |
| Net operating income to assets | 0.9842% | 2,395 |
| Return on assets (ROA) | 1.2259% | 1,533 |
| Pretax return on assets | 1.6459% | 1,060 |
| Return on Equity (ROE) | 7.7533% | 3,167 |
| Retained earnings to average equity (ytd only) | -22.6489% | 6,689 |
| Net charge-offs to loans | 0.0079% | 5,298 |
| Credit loss provision to net charge-offs | 992.3941% | 263 |
| Earnings coverage of net charge-offs (x) | 312.0294% | 144 |
| Efficiency ratio | 49.0336% | 6,440 |
| Assets per employee ($millions) | 10.9120% | 177 |
| Cash dividends to net income (ytd only)* | 392.1183% | 22 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6726% | 6,387 |
| Loan loss allowance to noncurrent loans | 9.5351% | 6,279 |
| Noncurrent assets plus other real estate owned to assets | 4.5287% | 551 |
| Noncurrent loans to loans | 7.0537% | 237 |
| Net loans and leases to total assets | 56.9345% | 4,198 |
| Net loans and leases to deposits | 92.4831% | 1,006 |
| Net loans and leases to core deposits | 98.6550% | 1,261 |
| Total domestic deposits to total assets | 61.5621% | 6,701 |
| Equity capital to assets | 13.5189% | 1,059 |
| Core capital (leverage) ratio | 12.6341% | 1,292 |
| Tier 1 risk-based capital ratio | 30.1899% | 489 |
| Total risk-based capital ratio | 31.1832% | 499 |
| Memoranda: |
| Average total assets | $24,879,978,800 | 54 |
| Average earning assets | $20,100,222,200 | 60 |
| Average equity | $3,933,921,600 | 46 |
| Average total loans | $14,626,203,600 | 55 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4410% | 2,453 |
| Cost of funding earning assets | 1.0635% | 370 |
| Net interest margin | 3.3775% | 4,369 |
| Noninterest income to average assets | 0.2124% | 5,907 |
| Noninterest expense to average assets | 1.4317% | 6,675 |
| Loan and lease loss provision to assets | 0.0188% | 4,639 |
| Net operating income to assets | 0.8551% | 3,076 |
| Return on assets (ROA) | 1.1696% | 1,814 |
| Pretax return on assets | 1.7487% | 1,000 |
| Return on Equity (ROE) | 7.1553% | 3,556 |
| Retained earnings to average equity (ytd only) | 2.0464% | 5,104 |
| Net charge-offs to loans | 0.0081% | 4,997 |
| Credit loss provision to net charge-offs | 394.2350% | 677 |
| Earnings coverage of net charge-offs (x) | 303.1266% | 197 |
| Efficiency ratio | 48.0653% | 6,504 |
| Assets per employee ($millions) | 9.6273% | 257 |
| Cash dividends to net income (ytd only)* | 71.4008% | 1,038 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5352% | 6,626 |
| Loan loss allowance to noncurrent loans | 6.0799% | 6,376 |
| Noncurrent assets plus other real estate owned to assets | 5.8448% | 422 |
| Noncurrent loans to loans | 8.8020% | 184 |
| Net loans and leases to total assets | 60.7711% | 3,566 |
| Net loans and leases to deposits | 99.5975% | 485 |
| Net loans and leases to core deposits | 106.0503% | 755 |
| Total domestic deposits to total assets | 61.0167% | 6,781 |
| Equity capital to assets | 17.0354% | 418 |
| Core capital (leverage) ratio | 16.2162% | 465 |
| Tier 1 risk-based capital ratio | 34.9964% | 337 |
| Total risk-based capital ratio | 35.7371% | 346 |
| Memoranda: |
| Average total assets | $25,226,586,500 | 54 |
| Average earning assets | $19,900,346,750 | 60 |
| Average equity | $4,123,383,750 | 47 |
| Average total loans | $14,916,127,250 | 55 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4183% | 2,496 |
| Cost of funding earning assets | 1.1015% | 338 |
| Net interest margin | 3.3168% | 4,502 |
| Noninterest income to average assets | 2.0540% | 427 |
| Noninterest expense to average assets | 2.3086% | 5,353 |
| Loan and lease loss provision to assets | -0.0232% | 6,601 |
| Net operating income to assets | 1.4147% | 1,047 |
| Return on assets (ROA) | 1.4357% | 1,096 |
| Pretax return on assets | 2.3920% | 311 |
| Return on Equity (ROE) | 8.9023% | 2,657 |
| Retained earnings to average equity (ytd only) | 4.4388% | 3,445 |
| Net charge-offs to loans | 0.0028% | 4,870 |
| Credit loss provision to net charge-offs | -1,410.0000% | 6,085 |
| Earnings coverage of net charge-offs (x) | 1,421.7429% | 19 |
| Efficiency ratio | 48.6243% | 6,503 |
| Assets per employee ($millions) | 9.0725% | 296 |
| Cash dividends to net income (ytd only)* | 50.1382% | 1,872 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4756% | 6,723 |
| Loan loss allowance to noncurrent loans | 5.0746% | 6,445 |
| Noncurrent assets plus other real estate owned to assets | 5.9518% | 462 |
| Noncurrent loans to loans | 9.3718% | 187 |
| Net loans and leases to total assets | 58.0670% | 3,973 |
| Net loans and leases to deposits | 96.0657% | 669 |
| Net loans and leases to core deposits | 102.2195% | 928 |
| Total domestic deposits to total assets | 60.4451% | 6,835 |
| Equity capital to assets | 16.3511% | 483 |
| Core capital (leverage) ratio | 15.5335% | 516 |
| Tier 1 risk-based capital ratio | 34.2934% | 357 |
| Total risk-based capital ratio | 34.9364% | 376 |
| Memoranda: |
| Average total assets | $25,561,323,000 | 54 |
| Average earning assets | $19,965,281,000 | 59 |
| Average equity | $4,122,383,670 | 47 |
| Average total loans | $14,955,034,670 | 54 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3717% | 2,617 |
| Cost of funding earning assets | 1.1104% | 356 |
| Net interest margin | 3.2612% | 4,676 |
| Noninterest income to average assets | 2.0702% | 414 |
| Noninterest expense to average assets | 2.1215% | 5,863 |
| Loan and lease loss provision to assets | -0.0735% | 6,815 |
| Net operating income to assets | 1.5236% | 818 |
| Return on assets (ROA) | 1.5660% | 815 |
| Pretax return on assets | 2.6110% | 227 |
| Return on Equity (ROE) | 9.7775% | 2,148 |
| Retained earnings to average equity (ytd only) | 7.3416% | 2,006 |
| Net charge-offs to loans | 0.0033% | 4,102 |
| Credit loss provision to net charge-offs | -3,827.6423% | 5,853 |
| Earnings coverage of net charge-offs (x) | 1,287.4146% | 12 |
| Efficiency ratio | 45.0639% | 6,730 |
| Assets per employee ($millions) | 8.9834% | 324 |
| Cash dividends to net income (ytd only)* | 24.9133% | 2,212 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4108% | 6,844 |
| Loan loss allowance to noncurrent loans | 3.9502% | 6,516 |
| Noncurrent assets plus other real estate owned to assets | 6.4408% | 468 |
| Noncurrent loans to loans | 10.3984% | 197 |
| Net loans and leases to total assets | 57.5444% | 3,835 |
| Net loans and leases to deposits | 96.4319% | 517 |
| Net loans and leases to core deposits | 102.4887% | 805 |
| Total domestic deposits to total assets | 59.6737% | 6,917 |
| Equity capital to assets | 16.3383% | 513 |
| Core capital (leverage) ratio | 15.4793% | 518 |
| Tier 1 risk-based capital ratio | 34.8227% | 351 |
| Total risk-based capital ratio | 35.3866% | 368 |
| Memoranda: |
| Average total assets | $25,631,456,000 | 54 |
| Average earning assets | $19,825,350,000 | 59 |
| Average equity | $4,105,268,500 | 46 |
| Average total loans | $15,016,663,500 | 54 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9111% | 1,806 |
| Cost of funding earning assets | 1.3026% | 367 |
| Net interest margin | 3.6085% | 4,046 |
| Noninterest income to average assets | 2.3978% | 334 |
| Noninterest expense to average assets | 3.0792% | 2,987 |
| Loan and lease loss provision to assets | 0.0192% | 5,662 |
| Net operating income to assets | 1.1954% | 1,620 |
| Return on assets (ROA) | 1.1953% | 1,785 |
| Pretax return on assets | 2.0015% | 597 |
| Return on Equity (ROE) | 7.2800% | 3,476 |
| Retained earnings to average equity (ytd only) | -1.8013% | 6,136 |
| Net charge-offs to loans | 0.0023% | 5,957 |
| Credit loss provision to net charge-offs | 1,445.5882% | 174 |
| Earnings coverage of net charge-offs (x) | 1,518.8294% | 18 |
| Efficiency ratio | 58.1790% | 5,803 |
| Assets per employee ($millions) | 9.1953% | 308 |
| Cash dividends to net income (ytd only)* | 124.7426% | 308 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4609% | 6,862 |
| Loan loss allowance to noncurrent loans | 3.5308% | 6,570 |
| Noncurrent assets plus other real estate owned to assets | 8.2424% | 329 |
| Noncurrent loans to loans | 13.0547% | 123 |
| Net loans and leases to total assets | 59.1019% | 3,773 |
| Net loans and leases to deposits | 101.4666% | 353 |
| Net loans and leases to core deposits | 107.5563% | 627 |
| Total domestic deposits to total assets | 58.2477% | 6,985 |
| Equity capital to assets | 15.7013% | 603 |
| Core capital (leverage) ratio | 14.8404% | 598 |
| Tier 1 risk-based capital ratio | 33.2095% | 392 |
| Total risk-based capital ratio | 33.8454% | 406 |
| Memoranda: |
| Average total assets | $25,553,468,000 | 53 |
| Average earning assets | $19,135,868,000 | 59 |
| Average equity | $4,195,439,800 | 46 |
| Average total loans | $14,683,766,600 | 54 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1295% | 1,359 |
| Cost of funding earning assets | 1.3298% | 388 |
| Net interest margin | 3.7998% | 3,337 |
| Noninterest income to average assets | 2.3435% | 336 |
| Noninterest expense to average assets | 2.6624% | 4,520 |
| Loan and lease loss provision to assets | 0.0345% | 5,338 |
| Net operating income to assets | 1.4714% | 1,072 |
| Return on assets (ROA) | 1.4702% | 1,198 |
| Pretax return on assets | 2.4691% | 312 |
| Return on Equity (ROE) | 8.8566% | 2,872 |
| Retained earnings to average equity (ytd only) | 6.6175% | 2,321 |
| Net charge-offs to loans | 0.0025% | 5,736 |
| Credit loss provision to net charge-offs | 2,430.2583% | 111 |
| Earnings coverage of net charge-offs (x) | 1,766.0579% | 19 |
| Efficiency ratio | 48.9779% | 6,664 |
| Assets per employee ($millions) | 8.9957% | 330 |
| Cash dividends to net income (ytd only)* | 25.2812% | 2,847 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5500% | 6,920 |
| Loan loss allowance to noncurrent loans | 4.2286% | 6,674 |
| Noncurrent assets plus other real estate owned to assets | 7.6647% | 418 |
| Noncurrent loans to loans | 13.0077% | 137 |
| Net loans and leases to total assets | 54.3587% | 4,699 |
| Net loans and leases to deposits | 91.5836% | 1,008 |
| Net loans and leases to core deposits | 97.1710% | 1,324 |
| Total domestic deposits to total assets | 59.3542% | 7,073 |
| Equity capital to assets | 16.8670% | 480 |
| Core capital (leverage) ratio | 15.9985% | 474 |
| Tier 1 risk-based capital ratio | 38.2729% | 278 |
| Total risk-based capital ratio | 39.0183% | 285 |
| Memoranda: |
| Average total assets | $25,468,377,750 | 54 |
| Average earning assets | $18,931,171,750 | 59 |
| Average equity | $4,227,884,250 | 47 |
| Average total loans | $14,511,052,750 | 55 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3172% | 1,017 |
| Cost of funding earning assets | 1.3767% | 382 |
| Net interest margin | 3.9406% | 2,749 |
| Noninterest income to average assets | 1.8524% | 446 |
| Noninterest expense to average assets | 2.5606% | 4,920 |
| Loan and lease loss provision to assets | 0.0850% | 4,529 |
| Net operating income to assets | 1.2633% | 1,534 |
| Return on assets (ROA) | 1.2615% | 1,708 |
| Pretax return on assets | 2.1294% | 546 |
| Return on Equity (ROE) | 7.6406% | 3,427 |
| Retained earnings to average equity (ytd only) | 4.2476% | 3,780 |
| Net charge-offs to loans | 0.0024% | 5,483 |
| Credit loss provision to net charge-offs | 6,048.8764% | 48 |
| Earnings coverage of net charge-offs (x) | 1,578.7472% | 15 |
| Efficiency ratio | 51.1490% | 6,570 |
| Assets per employee ($millions) | 8.5651% | 375 |
| Cash dividends to net income (ytd only)* | 44.4072% | 1,975 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6095% | 6,922 |
| Loan loss allowance to noncurrent loans | 5.5077% | 6,719 |
| Noncurrent assets plus other real estate owned to assets | 7.1543% | 540 |
| Noncurrent loans to loans | 11.0669% | 212 |
| Net loans and leases to total assets | 57.8417% | 4,189 |
| Net loans and leases to deposits | 94.0466% | 766 |
| Net loans and leases to core deposits | 99.4876% | 1,134 |
| Total domestic deposits to total assets | 61.5033% | 7,114 |
| Equity capital to assets | 16.9545% | 451 |
| Core capital (leverage) ratio | 16.0643% | 450 |
| Tier 1 risk-based capital ratio | 38.4628% | 264 |
| Total risk-based capital ratio | 39.3391% | 264 |
| Memoranda: |
| Average total assets | $25,348,992,000 | 54 |
| Average earning assets | $18,818,550,000 | 58 |
| Average equity | $4,185,128,330 | 47 |
| Average total loans | $14,642,530,330 | 53 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4614% | 808 |
| Cost of funding earning assets | 1.5625% | 220 |
| Net interest margin | 3.8990% | 2,931 |
| Noninterest income to average assets | 2.4134% | 313 |
| Noninterest expense to average assets | 2.4779% | 5,221 |
| Loan and lease loss provision to assets | 0.1738% | 3,227 |
| Net operating income to assets | 1.5551% | 933 |
| Return on assets (ROA) | 1.5551% | 1,045 |
| Pretax return on assets | 2.6561% | 274 |
| Return on Equity (ROE) | 9.5441% | 2,586 |
| Retained earnings to average equity (ytd only) | 9.5441% | 1,401 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0551% | 6,947 |
| Assets per employee ($millions) | 8.4237% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6406% | 6,945 |
| Loan loss allowance to noncurrent loans | 5.4322% | 6,781 |
| Noncurrent assets plus other real estate owned to assets | 7.7906% | 505 |
| Noncurrent loans to loans | 11.7934% | 214 |
| Net loans and leases to total assets | 57.5617% | 4,121 |
| Net loans and leases to deposits | 94.1965% | 649 |
| Net loans and leases to core deposits | 99.8642% | 996 |
| Total domestic deposits to total assets | 61.1081% | 7,182 |
| Equity capital to assets | 16.8902% | 443 |
| Core capital (leverage) ratio | 15.9578% | 469 |
| Tier 1 risk-based capital ratio | 39.4850% | 236 |
| Total risk-based capital ratio | 40.4263% | 241 |
| Memoranda: |
| Average total assets | $25,595,553,500 | 52 |
| Average earning assets | $19,001,172,000 | 58 |
| Average equity | $4,170,599,000 | 46 |
| Average total loans | $14,731,182,500 | 52 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4518% | 1,288 |
| Cost of funding earning assets | 1.5600% | 559 |
| Net interest margin | 3.8918% | 3,370 |
| Noninterest income to average assets | 0.9100% | 1,642 |
| Noninterest expense to average assets | 2.7971% | 4,358 |
| Loan and lease loss provision to assets | 0.1213% | 5,087 |
| Net operating income to assets | 0.5811% | 4,093 |
| Return on assets (ROA) | 0.5782% | 4,290 |
| Pretax return on assets | 0.9326% | 3,501 |
| Return on Equity (ROE) | 3.6949% | 4,993 |
| Retained earnings to average equity (ytd only) | -3.0113% | 6,272 |
| Net charge-offs to loans | -0.0259% | 6,986 |
| Credit loss provision to net charge-offs | -811.9750% | 6,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7157% | 4,021 |
| Assets per employee ($millions) | 8.8810% | 344 |
| Cash dividends to net income (ytd only)* | 181.4988% | 99 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5666% | 7,046 |
| Loan loss allowance to noncurrent loans | 4.4984% | 6,855 |
| Noncurrent assets plus other real estate owned to assets | 8.2508% | 474 |
| Noncurrent loans to loans | 12.5955% | 192 |
| Net loans and leases to total assets | 56.8674% | 4,567 |
| Net loans and leases to deposits | 96.6267% | 647 |
| Net loans and leases to core deposits | 102.1393% | 1,017 |
| Total domestic deposits to total assets | 58.8527% | 7,243 |
| Equity capital to assets | 15.7249% | 626 |
| Core capital (leverage) ratio | 14.8060% | 648 |
| Tier 1 risk-based capital ratio | 39.6927% | 234 |
| Total risk-based capital ratio | 40.5912% | 238 |
| Memoranda: |
| Average total assets | $26,775,767,800 | 50 |
| Average earning assets | $20,264,681,400 | 56 |
| Average equity | $4,190,196,000 | 44 |
| Average total loans | $15,421,058,400 | 50 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4321% | 1,426 |
| Cost of funding earning assets | 1.5386% | 746 |
| Net interest margin | 3.8935% | 3,408 |
| Noninterest income to average assets | 0.8672% | 1,762 |
| Noninterest expense to average assets | 2.7424% | 4,572 |
| Loan and lease loss provision to assets | 0.1260% | 4,855 |
| Net operating income to assets | 0.5905% | 4,129 |
| Return on assets (ROA) | 0.5898% | 4,315 |
| Pretax return on assets | 0.9518% | 3,584 |
| Return on Equity (ROE) | 3.7732% | 5,091 |
| Retained earnings to average equity (ytd only) | -5.1292% | 6,602 |
| Net charge-offs to loans | -0.0343% | 6,986 |
| Credit loss provision to net charge-offs | -636.0500% | 6,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0020% | 4,127 |
| Assets per employee ($millions) | 9.3230% | 298 |
| Cash dividends to net income (ytd only)* | 235.9382% | 47 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5292% | 7,151 |
| Loan loss allowance to noncurrent loans | 3.8597% | 6,947 |
| Noncurrent assets plus other real estate owned to assets | 8.4327% | 497 |
| Noncurrent loans to loans | 13.7116% | 174 |
| Net loans and leases to total assets | 53.6247% | 5,227 |
| Net loans and leases to deposits | 93.0507% | 914 |
| Net loans and leases to core deposits | 98.1405% | 1,414 |
| Total domestic deposits to total assets | 57.6296% | 7,325 |
| Equity capital to assets | 14.9210% | 873 |
| Core capital (leverage) ratio | 14.0017% | 904 |
| Tier 1 risk-based capital ratio | 40.2821% | 248 |
| Total risk-based capital ratio | 41.1346% | 245 |
| Memoranda: |
| Average total assets | $26,924,393,000 | 49 |
| Average earning assets | $20,428,300,000 | 55 |
| Average equity | $4,208,500,000 | 44 |
| Average total loans | $15,532,960,250 | 50 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5206% | 1,255 |
| Cost of funding earning assets | 1.5758% | 770 |
| Net interest margin | 3.9448% | 3,108 |
| Noninterest income to average assets | 1.9096% | 388 |
| Noninterest expense to average assets | 2.7577% | 4,601 |
| Loan and lease loss provision to assets | 0.0106% | 6,133 |
| Net operating income to assets | 1.3026% | 1,311 |
| Return on assets (ROA) | 1.3168% | 1,352 |
| Pretax return on assets | 2.1544% | 443 |
| Return on Equity (ROE) | 8.2962% | 2,808 |
| Retained earnings to average equity (ytd only) | -2.5299% | 6,315 |
| Net charge-offs to loans | -0.0507% | 7,033 |
| Credit loss provision to net charge-offs | -35.4250% | 6,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0646% | 6,615 |
| Assets per employee ($millions) | 9.4810% | 276 |
| Cash dividends to net income (ytd only)* | 130.4942% | 252 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2891% | 7,356 |
| Loan loss allowance to noncurrent loans | 1.7174% | 7,003 |
| Noncurrent assets plus other real estate owned to assets | 10.8138% | 328 |
| Noncurrent loans to loans | 16.8314% | 103 |
| Net loans and leases to total assets | 57.8200% | 4,667 |
| Net loans and leases to deposits | 97.8084% | 603 |
| Net loans and leases to core deposits | 103.4188% | 1,083 |
| Total domestic deposits to total assets | 59.1156% | 7,383 |
| Equity capital to assets | 15.8650% | 630 |
| Core capital (leverage) ratio | 14.8974% | 688 |
| Tier 1 risk-based capital ratio | 40.9516% | 230 |
| Total risk-based capital ratio | 41.4304% | 238 |
| Memoranda: |
| Average total assets | $26,768,881,000 | 51 |
| Average earning assets | $20,295,404,330 | 57 |
| Average equity | $4,249,003,000 | 46 |
| Average total loans | $15,788,458,670 | 51 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5437% | 1,191 |
| Cost of funding earning assets | 1.6719% | 627 |
| Net interest margin | 3.8718% | 3,289 |
| Noninterest income to average assets | 2.6136% | 253 |
| Noninterest expense to average assets | 2.5173% | 5,496 |
| Loan and lease loss provision to assets | 0.0116% | 5,766 |
| Net operating income to assets | 1.8327% | 464 |
| Return on assets (ROA) | 1.8539% | 468 |
| Pretax return on assets | 3.0430% | 143 |
| Return on Equity (ROE) | 11.6768% | 1,550 |
| Retained earnings to average equity (ytd only) | 1.3885% | 5,271 |
| Net charge-offs to loans | -0.0999% | 7,089 |
| Credit loss provision to net charge-offs | -19.6000% | 5,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4658% | 7,300 |
| Assets per employee ($millions) | 9.7200% | 267 |
| Cash dividends to net income (ytd only)* | 88.1085% | 722 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2800% | 7,414 |
| Loan loss allowance to noncurrent loans | 1.5061% | 7,065 |
| Noncurrent assets plus other real estate owned to assets | 11.9570% | 277 |
| Noncurrent loans to loans | 18.5887% | 79 |
| Net loans and leases to total assets | 58.6325% | 4,527 |
| Net loans and leases to deposits | 102.7123% | 357 |
| Net loans and leases to core deposits | 108.9364% | 791 |
| Total domestic deposits to total assets | 57.0842% | 7,452 |
| Equity capital to assets | 16.0295% | 569 |
| Core capital (leverage) ratio | 14.9806% | 674 |
| Tier 1 risk-based capital ratio | 40.8662% | 225 |
| Total risk-based capital ratio | 41.3353% | 232 |
| Memoranda: |
| Average total assets | $26,936,857,500 | 51 |
| Average earning assets | $20,350,792,500 | 56 |
| Average equity | $4,276,716,500 | 44 |
| Average total loans | $16,018,777,500 | 51 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3031% | 461 |
| Cost of funding earning assets | 2.1746% | 333 |
| Net interest margin | 4.1285% | 2,453 |
| Noninterest income to average assets | 4.1268% | 162 |
| Noninterest expense to average assets | 2.7856% | 4,661 |
| Loan and lease loss provision to assets | 0.0739% | 6,411 |
| Net operating income to assets | 2.5652% | 108 |
| Return on assets (ROA) | 2.9336% | 77 |
| Pretax return on assets | 4.8408% | 53 |
| Return on Equity (ROE) | 19.5075% | 281 |
| Retained earnings to average equity (ytd only) | 19.5075% | 63 |
| Net charge-offs to loans | -0.1308% | 7,520 |
| Credit loss provision to net charge-offs | -100.8197% | 7,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.9265% | 7,550 |
| Assets per employee ($millions) | 10.0792% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2401% | 7,511 |
| Loan loss allowance to noncurrent loans | 1.3474% | 7,145 |
| Noncurrent assets plus other real estate owned to assets | 11.7258% | 295 |
| Noncurrent loans to loans | 17.8198% | 100 |
| Net loans and leases to total assets | 59.9836% | 4,687 |
| Net loans and leases to deposits | 109.4283% | 243 |
| Net loans and leases to core deposits | 116.4402% | 628 |
| Total domestic deposits to total assets | 54.8154% | 7,544 |
| Equity capital to assets | 15.7266% | 635 |
| Core capital (leverage) ratio | 14.6532% | 720 |
| Tier 1 risk-based capital ratio | 42.1223% | 209 |
| Total risk-based capital ratio | 42.5480% | 222 |
| Memoranda: |
| Average total assets | $26,638,996,200 | 51 |
| Average earning assets | $19,344,232,800 | 56 |
| Average equity | $4,006,007,600 | 44 |
| Average total loans | $14,926,871,800 | 53 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5365% | 318 |
| Cost of funding earning assets | 2.2985% | 277 |
| Net interest margin | 4.2380% | 2,073 |
| Noninterest income to average assets | 4.7520% | 146 |
| Noninterest expense to average assets | 2.6357% | 5,174 |
| Loan and lease loss provision to assets | 0.1004% | 6,019 |
| Net operating income to assets | 3.0369% | 78 |
| Return on assets (ROA) | 3.5251% | 56 |
| Pretax return on assets | 5.8234% | 41 |
| Return on Equity (ROE) | 23.7192% | 146 |
| Retained earnings to average equity (ytd only) | 23.7192% | 41 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.3883% | 7,684 |
| Assets per employee ($millions) | 10.0976% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.1298% | 7,660 |
| Loan loss allowance to noncurrent loans | 0.7126% | 7,252 |
| Noncurrent assets plus other real estate owned to assets | 11.4737% | 303 |
| Noncurrent loans to loans | 18.2073% | 102 |
| Net loans and leases to total assets | 57.0914% | 5,401 |
| Net loans and leases to deposits | 101.8290% | 542 |
| Net loans and leases to core deposits | 108.5114% | 1,123 |
| Total domestic deposits to total assets | 56.0660% | 7,640 |
| Equity capital to assets | 15.5512% | 759 |
| Core capital (leverage) ratio | 14.3390% | 850 |
| Tier 1 risk-based capital ratio | 45.5249% | 173 |
| Total risk-based capital ratio | 45.7676% | 187 |
| Memoranda: |
| Average total assets | $26,510,381,000 | 51 |
| Average earning assets | $19,045,368,000 | 56 |
| Average equity | $3,939,932,500 | 44 |
| Average total loans | $14,576,885,250 | 54 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7895% | 208 |
| Cost of funding earning assets | 2.4019% | 236 |
| Net interest margin | 4.3875% | 1,484 |
| Noninterest income to average assets | 6.0988% | 112 |
| Noninterest expense to average assets | 2.6555% | 5,101 |
| Loan and lease loss provision to assets | 0.0637% | 6,316 |
| Net operating income to assets | 3.8853% | 49 |
| Return on assets (ROA) | 4.6106% | 38 |
| Pretax return on assets | 7.6271% | 32 |
| Return on Equity (ROE) | 31.5201% | 48 |
| Retained earnings to average equity (ytd only) | 31.5201% | 23 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.3817% | 7,769 |
| Assets per employee ($millions) | 10.1930% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0534% | 7,750 |
| Loan loss allowance to noncurrent loans | 0.3213% | 7,330 |
| Noncurrent assets plus other real estate owned to assets | 10.6053% | 354 |
| Noncurrent loans to loans | 16.6154% | 136 |
| Net loans and leases to total assets | 56.3681% | 5,645 |
| Net loans and leases to deposits | 104.3703% | 468 |
| Net loans and leases to core deposits | 111.9649% | 1,034 |
| Total domestic deposits to total assets | 54.0078% | 7,719 |
| Equity capital to assets | 14.6811% | 954 |
| Core capital (leverage) ratio | 13.4972% | 1,058 |
| Tier 1 risk-based capital ratio | 43.4605% | 197 |
| Total risk-based capital ratio | 43.5612% | 209 |
| Memoranda: |
| Average total assets | $26,380,484,000 | 50 |
| Average earning assets | $18,724,394,000 | 55 |
| Average equity | $3,858,811,330 | 45 |
| Average total loans | $14,309,985,000 | 53 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1103% | 143 |
| Cost of funding earning assets | 2.5395% | 204 |
| Net interest margin | 4.5708% | 1,002 |
| Noninterest income to average assets | 8.4021% | 79 |
| Noninterest expense to average assets | 2.6087% | 5,323 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 5.3397% | 38 |
| Return on assets (ROA) | 6.7901% | 28 |
| Pretax return on assets | 11.2325% | 24 |
| Return on Equity (ROE) | 46.5125% | 28 |
| Retained earnings to average equity (ytd only) | 46.5125% | 21 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.9464% | 7,897 |
| Assets per employee ($millions) | 10.5778% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0000% | 7,860 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,410 |
| Noncurrent assets plus other real estate owned to assets | 9.8634% | 408 |
| Noncurrent loans to loans | 14.8846% | 187 |
| Net loans and leases to total assets | 56.1118% | 5,725 |
| Net loans and leases to deposits | 106.4144% | 406 |
| Net loans and leases to core deposits | 114.8458% | 1,004 |
| Total domestic deposits to total assets | 52.7296% | 7,818 |
| Equity capital to assets | 14.0061% | 1,139 |
| Core capital (leverage) ratio | 12.7745% | 1,303 |
| Tier 1 risk-based capital ratio | 38.4281% | 278 |
| Total risk-based capital ratio | 38.4281% | 297 |
| Memoranda: |
| Average total assets | $25,621,661,500 | 49 |
| Average earning assets | $17,786,128,500 | 58 |
| Average equity | $3,740,342,500 | 44 |
| Average total loans | $13,597,949,000 | 57 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.1318% | 73 |
| Cost of funding earning assets | 2.2389% | 1,873 |
| Net interest margin | 5.8930% | 122 |
| Noninterest income to average assets | 12.1276% | 59 |
| Noninterest expense to average assets | 2.3721% | 6,546 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 8.2315% | 19 |
| Return on assets (ROA) | 8.2959% | 18 |
| Pretax return on assets | 13.7235% | 15 |
| Return on Equity (ROE) | 61.8724% | 7 |
| Retained earnings to average equity (ytd only) | 61.8724% | 4 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.4478% | 7,988 |
| Assets per employee ($millions) | 9.9471% | 262 |
| 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 | 8.2642% | 526 |
| Noncurrent loans to loans | 13.6705% | 218 |
| Net loans and leases to total assets | 49.4226% | 6,694 |
| Net loans and leases to deposits | 98.0278% | 1,100 |
| Net loans and leases to core deposits | 148.6317% | 545 |
| Total domestic deposits to total assets | 50.4169% | 7,902 |
| Equity capital to assets | 15.3094% | 841 |
| Core capital (leverage) ratio | 13.0473% | 1,238 |
| Tier 1 risk-based capital ratio | 41.2424% | 227 |
| Total risk-based capital ratio | 41.2424% | 246 |
| Memoranda: |
| Average total assets | $18,962,115,000 | 63 |
| Average earning assets | $12,444,612,750 | 76 |
| Average equity | $2,542,450,000 | 53 |
| Average total loans | $7,945,150,500 | 90 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.4186% | 60 |
| Cost of funding earning assets | 2.2548% | 2,171 |
| Net interest margin | 6.1639% | 98 |
| Noninterest income to average assets | 9.5960% | 75 |
| Noninterest expense to average assets | 2.3353% | 6,611 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 6.7946% | 22 |
| Return on assets (ROA) | 6.7941% | 23 |
| Pretax return on assets | 11.2393% | 21 |
| Return on Equity (ROE) | 54.0688% | 17 |
| Retained earnings to average equity (ytd only) | 54.0688% | 9 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.7785% | 8,065 |
| Assets per employee ($millions) | 8.3174% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0000% | 8,022 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,528 |
| Noncurrent assets plus other real estate owned to assets | 9.2891% | 403 |
| Noncurrent loans to loans | 23.3753% | 36 |
| Net loans and leases to total assets | 35.3506% | 7,637 |
| Net loans and leases to deposits | 86.9734% | 3,149 |
| Net loans and leases to core deposits | 130.6160% | 1,398 |
| Total domestic deposits to total assets | 40.6453% | 8,014 |
| Equity capital to assets | 14.9523% | 1,015 |
| Core capital (leverage) ratio | 13.1694% | 1,334 |
| Tier 1 risk-based capital ratio | 42.5103% | 239 |
| Total risk-based capital ratio | 42.5103% | 255 |
| Memoranda: |
| Average total assets | $17,520,737,670 | 68 |
| Average earning assets | $11,311,337,000 | 90 |
| Average equity | $2,201,605,670 | 60 |
| Average total loans | $6,757,312,000 | 104 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1426% | 255 |
| Cost of funding earning assets | 1.9257% | 4,134 |
| Net interest margin | 5.2168% | 289 |
| Noninterest income to average assets | 6.5084% | 109 |
| Noninterest expense to average assets | 2.0715% | 7,328 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 4.6989% | 26 |
| Return on assets (ROA) | 4.6981% | 29 |
| Pretax return on assets | 7.7719% | 25 |
| Return on Equity (ROE) | 41.7714% | 27 |
| Retained earnings to average equity (ytd only) | 41.7714% | 15 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.5533% | 8,140 |
| Assets per employee ($millions) | 8.1992% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0000% | 8,113 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,563 |
| Noncurrent assets plus other real estate owned to assets | 9.4156% | 340 |
| Noncurrent loans to loans | 22.3469% | 39 |
| Net loans and leases to total assets | 38.9054% | 7,603 |
| Net loans and leases to deposits | 96.7718% | 1,686 |
| Net loans and leases to core deposits | 140.5435% | 987 |
| Total domestic deposits to total assets | 40.2032% | 8,096 |
| Equity capital to assets | 11.9102% | 2,253 |
| Core capital (leverage) ratio | 10.9797% | 2,415 |
| Tier 1 risk-based capital ratio | 27.7184% | 736 |
| Total risk-based capital ratio | 27.7184% | 795 |
| Memoranda: |
| Average total assets | $16,928,220,000 | 75 |
| Average earning assets | $10,825,855,000 | 98 |
| Average equity | $1,903,935,500 | 67 |
| Average total loans | $6,829,671,000 | 107 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.7593% | 8,195 |
| Cost of funding earning assets | 0.4342% | 8,123 |
| Net interest margin | 1.3251% | 8,102 |
| Noninterest income to average assets | 8.3413% | 76 |
| Noninterest expense to average assets | 1.4123% | 8,037 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 4.7036% | 28 |
| Return on assets (ROA) | 4.7020% | 32 |
| Pretax return on assets | 7.7784% | 24 |
| Return on Equity (ROE) | 44.5420% | 34 |
| Retained earnings to average equity (ytd only) | 44.5420% | 22 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.2379% | 8,199 |
| Assets per employee ($millions) | 8.9096% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0000% | 8,168 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,576 |
| Noncurrent assets plus other real estate owned to assets | 7.4051% | 435 |
| Noncurrent loans to loans | 17.5163% | 59 |
| Net loans and leases to total assets | 41.8447% | 7,474 |
| Net loans and leases to deposits | 106.3358% | 837 |
| Net loans and leases to core deposits | 151.3166% | 664 |
| Total domestic deposits to total assets | 39.3515% | 8,144 |
| Equity capital to assets | 10.5563% | 3,404 |
| Core capital (leverage) ratio | 10.0548% | 3,343 |
| Tier 1 risk-based capital ratio | 24.7872% | 999 |
| Total risk-based capital ratio | 24.7872% | 1,115 |
| Memoranda: |
| Average total assets | $16,580,786,000 | 77 |
| Average earning assets | $10,659,906,000 | 102 |
| Average equity | $1,750,313,000 | 73 |
| Average total loans | $6,938,180,000 | 109 |
