Home > FirstBank Puerto Rico > Performance and Condition Ratios
FirstBank Puerto Rico, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6904% | 941 |
| Cost of funding earning assets | 1.1858% | 2,836 |
| Net interest margin | 4.5047% | 613 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 2.5365% | 2,201 |
| Loan and lease loss provision to assets | 0.3200% | 332 |
| Net operating income to assets | 1.6497% | 797 |
| Return on assets (ROA) | 1.6498% | 766 |
| Pretax return on assets | 2.1350% | 538 |
| Return on Equity (ROE) | 20.6400% | 560 |
| Retained earnings to average equity (ytd only) | -0.5815% | 4,150 |
| Net charge-offs to loans | 0.5706% | 173 |
| Credit loss provision to net charge-offs | 98.9062% | 1,864 |
| Earnings coverage of net charge-offs (x) | 6.8757% | 2,441 |
| Efficiency ratio | 49.9630% | 3,985 |
| Assets per employee ($millions) | 6.0544% | 2,772 |
| Cash dividends to net income (ytd only)* | 102.8171% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1475% | 303 |
| Loan loss allowance to noncurrent loans | 182.9049% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.9377% | 531 |
| Noncurrent loans to loans | 1.1741% | 614 |
| Net loans and leases to total assets | 63.1200% | 2,561 |
| Net loans and leases to deposits | 71.9340% | 2,757 |
| Net loans and leases to core deposits | 84.3442% | 2,433 |
| Total domestic deposits to total assets | 86.6100% | 1,816 |
| Equity capital to assets | 8.6085% | 2,966 |
| Core capital (leverage) ratio | 11.4515% | 1,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3580% | 857 |
| Memoranda: | ||
| Average total assets | $18,846,032,600 | 99 |
| Average earning assets | $17,986,093,000 | 95 |
| Average equity | $1,506,273,800 | 120 |
| Average total loans | $11,808,930,600 | 106 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6274% | 879 |
| Cost of funding earning assets | 1.0972% | 2,751 |
| Net interest margin | 4.5303% | 588 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 2.4830% | 2,289 |
| Loan and lease loss provision to assets | 0.3000% | 314 |
| Net operating income to assets | 1.6184% | 911 |
| Return on assets (ROA) | 1.6179% | 900 |
| Pretax return on assets | 2.2309% | 536 |
| Return on Equity (ROE) | 20.6400% | 662 |
| Retained earnings to average equity (ytd only) | -1.0354% | 4,254 |
| Net charge-offs to loans | 0.5308% | 162 |
| Credit loss provision to net charge-offs | 102.2194% | 1,601 |
| Earnings coverage of net charge-offs (x) | 7.6622% | 2,225 |
| Efficiency ratio | 48.7032% | 4,001 |
| Assets per employee ($millions) | 5.9997% | 2,761 |
| Cash dividends to net income (ytd only)* | 105.0158% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2042% | 290 |
| Loan loss allowance to noncurrent loans | 168.9233% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 1.0010% | 520 |
| Noncurrent loans to loans | 1.3048% | 586 |
| Net loans and leases to total assets | 62.9300% | 2,570 |
| Net loans and leases to deposits | 70.9331% | 2,780 |
| Net loans and leases to core deposits | 80.1419% | 2,590 |
| Total domestic deposits to total assets | 87.5900% | 1,707 |
| Equity capital to assets | 7.5881% | 3,301 |
| Core capital (leverage) ratio | 11.1227% | 1,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4499% | 891 |
| Memoranda: | ||
| Average total assets | $18,832,081,750 | 100 |
| Average earning assets | $17,959,405,500 | 95 |
| Average equity | $1,476,049,250 | 123 |
| Average total loans | $11,712,950,500 | 108 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4868% | 845 |
| Cost of funding earning assets | 0.9688% | 2,705 |
| Net interest margin | 4.5180% | 593 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 2.4547% | 2,335 |
| Loan and lease loss provision to assets | 0.4000% | 206 |
| Net operating income to assets | 1.5194% | 1,070 |
| Return on assets (ROA) | 1.5196% | 1,065 |
| Pretax return on assets | 2.1578% | 568 |
| Return on Equity (ROE) | 19.1900% | 807 |
| Retained earnings to average equity (ytd only) | -1.8823% | 4,285 |
| Net charge-offs to loans | 0.5597% | 148 |
| Credit loss provision to net charge-offs | 113.7581% | 1,357 |
| Earnings coverage of net charge-offs (x) | 7.4280% | 2,088 |
| Efficiency ratio | 48.1369% | 4,057 |
| Assets per employee ($millions) | 6.1442% | 2,583 |
| Cash dividends to net income (ytd only)* | 109.8104% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2760% | 276 |
| Loan loss allowance to noncurrent loans | 183.8837% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.9345% | 519 |
| Noncurrent loans to loans | 1.2377% | 573 |
| Net loans and leases to total assets | 59.8900% | 2,780 |
| Net loans and leases to deposits | 67.8802% | 2,924 |
| Net loans and leases to core deposits | 76.4464% | 2,732 |
| Total domestic deposits to total assets | 87.1400% | 1,884 |
| Equity capital to assets | 7.7559% | 3,367 |
| Core capital (leverage) ratio | 11.1780% | 1,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5932% | 866 |
| Memoranda: | ||
| Average total assets | $18,913,704,333 | 97 |
| Average earning assets | $18,028,835,000 | 92 |
| Average equity | $1,497,929,000 | 118 |
| Average total loans | $11,630,636,333 | 107 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4150% | 700 |
| Cost of funding earning assets | 0.8540% | 2,526 |
| Net interest margin | 4.5610% | 533 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 2.4943% | 2,261 |
| Loan and lease loss provision to assets | 0.3300% | 250 |
| Net operating income to assets | 1.5269% | 1,125 |
| Return on assets (ROA) | 1.5280% | 1,103 |
| Pretax return on assets | 2.1846% | 585 |
| Return on Equity (ROE) | 19.0900% | 873 |
| Retained earnings to average equity (ytd only) | -1.8776% | 4,201 |
| Net charge-offs to loans | 0.4584% | 180 |
| Credit loss provision to net charge-offs | 122.5111% | 1,029 |
| Earnings coverage of net charge-offs (x) | 8.9009% | 1,706 |
| Efficiency ratio | 48.9481% | 4,030 |
| Assets per employee ($millions) | 6.1211% | 2,660 |
| Cash dividends to net income (ytd only)* | 109.8346% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2907% | 291 |
| Loan loss allowance to noncurrent loans | 162.4035% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 1.0469% | 384 |
| Noncurrent loans to loans | 1.4105% | 467 |
| Net loans and leases to total assets | 59.7200% | 2,689 |
| Net loans and leases to deposits | 70.3787% | 2,576 |
| Net loans and leases to core deposits | 78.0471% | 2,385 |
| Total domestic deposits to total assets | 83.7100% | 3,153 |
| Equity capital to assets | 8.1441% | 3,143 |
| Core capital (leverage) ratio | 11.2945% | 1,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7059% | 882 |
| Memoranda: | ||
| Average total assets | $18,797,946,000 | 100 |
| Average earning assets | $17,905,393,500 | 95 |
| Average equity | $1,504,450,000 | 121 |
| Average total loans | $11,579,149,500 | 110 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6362% | 575 |
| Cost of funding earning assets | 0.3181% | 2,737 |
| Net interest margin | 4.3181% | 405 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 2.3049% | 2,713 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.5900% | 707 |
| Return on assets (ROA) | 1.5878% | 678 |
| Pretax return on assets | 2.3026% | 266 |
| Return on Equity (ROE) | 17.7700% | 739 |
| Retained earnings to average equity (ytd only) | -3.4367% | 4,535 |
| Net charge-offs to loans | 0.3040% | 254 |
| Credit loss provision to net charge-offs | 74.9861% | 1,703 |
| Earnings coverage of net charge-offs (x) | 13.9060% | 2,051 |
| Efficiency ratio | 47.5610% | 4,266 |
| Assets per employee ($millions) | 6.0359% | 2,734 |
| Cash dividends to net income (ytd only)* | 119.3385% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2521% | 288 |
| Loan loss allowance to noncurrent loans | 152.8069% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 1.0968% | 382 |
| Noncurrent loans to loans | 1.4739% | 443 |
| Net loans and leases to total assets | 60.6900% | 2,584 |
| Net loans and leases to deposits | 69.8399% | 2,596 |
| Net loans and leases to core deposits | 75.9859% | 2,424 |
| Total domestic deposits to total assets | 85.7900% | 2,783 |
| Equity capital to assets | 7.8598% | 3,147 |
| Core capital (leverage) ratio | 11.4297% | 1,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8960% | 843 |
| Memoranda: | ||
| Average total assets | $19,455,889,000 | 103 |
| Average earning assets | $18,606,089,000 | 98 |
| Average equity | $1,738,376,000 | 109 |
| Average total loans | $11,265,363,200 | 107 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4557% | 532 |
| Cost of funding earning assets | 0.2422% | 2,789 |
| Net interest margin | 4.2135% | 408 |
| Noninterest income to average assets | 0.6100% | 1,677 |
| Noninterest expense to average assets | 2.2593% | 2,759 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.5846% | 678 |
| Return on assets (ROA) | 1.5821% | 664 |
| Pretax return on assets | 2.3043% | 269 |
| Return on Equity (ROE) | 17.2200% | 757 |
| Retained earnings to average equity (ytd only) | -4.3294% | 4,587 |
| Net charge-offs to loans | 0.2526% | 266 |
| Credit loss provision to net charge-offs | 47.3041% | 1,534 |
| Earnings coverage of net charge-offs (x) | 16.6179% | 1,815 |
| Efficiency ratio | 47.6487% | 4,294 |
| Assets per employee ($millions) | 5.9629% | 2,798 |
| Cash dividends to net income (ytd only)* | 125.1473% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2798% | 306 |
| Loan loss allowance to noncurrent loans | 143.8095% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 1.1946% | 346 |
| Noncurrent loans to loans | 1.5853% | 433 |
| Net loans and leases to total assets | 59.9700% | 2,506 |
| Net loans and leases to deposits | 66.5446% | 2,670 |
| Net loans and leases to core deposits | 71.5634% | 2,519 |
| Total domestic deposits to total assets | 88.9900% | 2,093 |
| Equity capital to assets | 7.6272% | 3,136 |
| Core capital (leverage) ratio | 11.0767% | 1,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0732% | 849 |
| Memoranda: | ||
| Average total assets | $19,663,200,000 | 105 |
| Average earning assets | $18,826,530,750 | 99 |
| Average equity | $1,806,963,500 | 109 |
| Average total loans | $11,190,421,250 | 108 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 596 |
| Cost of funding earning assets | 0.2254% | 2,580 |
| Net interest margin | 4.0038% | 493 |
| Noninterest income to average assets | 0.6058% | 1,716 |
| Noninterest expense to average assets | 2.1632% | 2,964 |
| Loan and lease loss provision to assets | -0.0379% | 4,489 |
| Net operating income to assets | 1.5650% | 597 |
| Return on assets (ROA) | 1.5626% | 586 |
| Pretax return on assets | 2.3114% | 216 |
| Return on Equity (ROE) | 16.1634% | 676 |
| Retained earnings to average equity (ytd only) | -8.8043% | 4,640 |
| Net charge-offs to loans | 0.2252% | 286 |
| Credit loss provision to net charge-offs | -34.4432% | 3,013 |
| Earnings coverage of net charge-offs (x) | 18.2011% | 1,587 |
| Efficiency ratio | 47.7281% | 4,359 |
| Assets per employee ($millions) | 6.3344% | 2,453 |
| Cash dividends to net income (ytd only)* | 154.4708% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2454% | 351 |
| Loan loss allowance to noncurrent loans | 130.2451% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 1.2197% | 345 |
| Noncurrent loans to loans | 1.7240% | 397 |
| Net loans and leases to total assets | 56.2283% | 2,729 |
| Net loans and leases to deposits | 63.8964% | 2,734 |
| Net loans and leases to core deposits | 68.4285% | 2,612 |
| Total domestic deposits to total assets | 86.9145% | 2,964 |
| Equity capital to assets | 8.4445% | 2,804 |
| Core capital (leverage) ratio | 10.6334% | 1,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9554% | 859 |
| Memoranda: | ||
| Average total assets | $20,073,810,333 | 101 |
| Average earning assets | $19,222,719,667 | 96 |
| Average equity | $1,940,684,333 | 107 |
| Average total loans | $11,150,299,333 | 107 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0590% | 684 |
| Cost of funding earning assets | 0.2237% | 2,474 |
| Net interest margin | 3.8352% | 593 |
| Noninterest income to average assets | 0.5825% | 1,766 |
| Noninterest expense to average assets | 2.1068% | 3,124 |
| Loan and lease loss provision to assets | -0.2713% | 4,723 |
| Net operating income to assets | 1.5979% | 513 |
| Return on assets (ROA) | 1.5952% | 514 |
| Pretax return on assets | 2.4183% | 203 |
| Return on Equity (ROE) | 15.5561% | 576 |
| Retained earnings to average equity (ytd only) | 3.3660% | 3,152 |
| Net charge-offs to loans | 0.2374% | 265 |
| Credit loss provision to net charge-offs | -257.6433% | 3,021 |
| Earnings coverage of net charge-offs (x) | 16.5910% | 1,335 |
| Efficiency ratio | 48.4488% | 4,383 |
| Assets per employee ($millions) | 6.4198% | 2,438 |
| Cash dividends to net income (ytd only)* | 78.3619% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2061% | 433 |
| Loan loss allowance to noncurrent loans | 108.6876% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 1.3627% | 286 |
| Noncurrent loans to loans | 2.0298% | 354 |
| Net loans and leases to total assets | 54.6177% | 2,676 |
| Net loans and leases to deposits | 62.6293% | 2,661 |
| Net loans and leases to core deposits | 67.4386% | 2,500 |
| Total domestic deposits to total assets | 86.1284% | 3,212 |
| Equity capital to assets | 9.6692% | 2,163 |
| Core capital (leverage) ratio | 11.0674% | 1,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1668% | 732 |
| Memoranda: | ||
| Average total assets | $20,349,336,500 | 99 |
| Average earning assets | $19,497,916,500 | 96 |
| Average equity | $2,086,724,000 | 108 |
| Average total loans | $11,110,711,500 | 107 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1158% | 1,132 |
| Cost of funding earning assets | 0.3094% | 2,305 |
| Net interest margin | 3.8064% | 993 |
| Noninterest income to average assets | 0.5867% | 2,218 |
| Noninterest expense to average assets | 2.4290% | 2,400 |
| Loan and lease loss provision to assets | -0.3234% | 4,784 |
| Net operating income to assets | 1.3912% | 1,306 |
| Return on assets (ROA) | 1.3908% | 1,359 |
| Pretax return on assets | 2.0985% | 498 |
| Return on Equity (ROE) | 12.1477% | 1,759 |
| Retained earnings to average equity (ytd only) | 7.9315% | 1,572 |
| Net charge-offs to loans | 0.4377% | 188 |
| Credit loss provision to net charge-offs | -123.2600% | 3,405 |
| Earnings coverage of net charge-offs (x) | 7.2035% | 2,353 |
| Efficiency ratio | 56.4531% | 3,649 |
| Assets per employee ($millions) | 6.8326% | 2,044 |
| Cash dividends to net income (ytd only)* | 34.7076% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4246% | 310 |
| Loan loss allowance to noncurrent loans | 118.9519% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 1.2988% | 355 |
| Noncurrent loans to loans | 2.0383% | 387 |
| Net loans and leases to total assets | 52.1068% | 3,053 |
| Net loans and leases to deposits | 60.7520% | 3,009 |
| Net loans and leases to core deposits | 66.5102% | 2,777 |
| Total domestic deposits to total assets | 84.7842% | 3,333 |
| Equity capital to assets | 10.8157% | 1,928 |
| Core capital (leverage) ratio | 10.8472% | 1,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2317% | 729 |
| Memoranda: | ||
| Average total assets | $20,314,557,200 | 97 |
| Average earning assets | $19,308,559,000 | 95 |
| Average equity | $2,325,780,600 | 105 |
| Average total loans | $11,440,666,200 | 106 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1501% | 1,183 |
| Cost of funding earning assets | 0.3251% | 2,352 |
| Net interest margin | 3.8250% | 1,070 |
| Noninterest income to average assets | 0.5804% | 2,299 |
| Noninterest expense to average assets | 2.5108% | 2,088 |
| Loan and lease loss provision to assets | -0.3531% | 4,845 |
| Net operating income to assets | 1.3726% | 1,618 |
| Return on assets (ROA) | 1.3723% | 1,674 |
| Pretax return on assets | 2.0500% | 737 |
| Return on Equity (ROE) | 11.8186% | 2,108 |
| Retained earnings to average equity (ytd only) | 8.9374% | 1,723 |
| Net charge-offs to loans | 0.4972% | 156 |
| Credit loss provision to net charge-offs | -115.1103% | 3,251 |
| Earnings coverage of net charge-offs (x) | 5.9816% | 2,201 |
| Efficiency ratio | 58.3283% | 3,217 |
| Assets per employee ($millions) | 6.9982% | 1,870 |
| Cash dividends to net income (ytd only)* | 24.3789% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5813% | 253 |
| Loan loss allowance to noncurrent loans | 106.6172% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 1.4927% | 329 |
| Noncurrent loans to loans | 2.4211% | 316 |
| Net loans and leases to total assets | 51.2221% | 3,280 |
| Net loans and leases to deposits | 60.3111% | 3,204 |
| Net loans and leases to core deposits | 66.2256% | 2,931 |
| Total domestic deposits to total assets | 83.9608% | 3,464 |
| Equity capital to assets | 10.9147% | 2,076 |
| Core capital (leverage) ratio | 10.7483% | 1,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1984% | 784 |
| Memoranda: | ||
| Average total assets | $20,198,676,250 | 97 |
| Average earning assets | $19,156,330,250 | 95 |
| Average equity | $2,345,403,500 | 105 |
| Average total loans | $11,526,879,500 | 105 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2202% | 1,150 |
| Cost of funding earning assets | 0.3466% | 2,340 |
| Net interest margin | 3.8736% | 1,019 |
| Noninterest income to average assets | 0.5586% | 2,378 |
| Noninterest expense to average assets | 2.6477% | 1,735 |
| Loan and lease loss provision to assets | -0.4172% | 4,888 |
| Net operating income to assets | 1.3237% | 1,791 |
| Return on assets (ROA) | 1.3237% | 1,857 |
| Pretax return on assets | 1.9912% | 852 |
| Return on Equity (ROE) | 11.1605% | 2,373 |
| Retained earnings to average equity (ytd only) | 8.1761% | 2,012 |
| Net charge-offs to loans | 0.2597% | 341 |
| Credit loss provision to net charge-offs | -269.4775% | 3,288 |
| Earnings coverage of net charge-offs (x) | 10.3321% | 1,803 |
| Efficiency ratio | 61.3431% | 2,824 |
| Assets per employee ($millions) | 6.7343% | 1,996 |
| Cash dividends to net income (ytd only)* | 26.7405% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8454% | 181 |
| Loan loss allowance to noncurrent loans | 99.4023% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 1.8558% | 240 |
| Noncurrent loans to loans | 2.8626% | 259 |
| Net loans and leases to total assets | 51.9417% | 3,348 |
| Net loans and leases to deposits | 61.1974% | 3,285 |
| Net loans and leases to core deposits | 67.0294% | 3,035 |
| Total domestic deposits to total assets | 83.9321% | 3,463 |
| Equity capital to assets | 10.8864% | 2,081 |
| Core capital (leverage) ratio | 11.1182% | 1,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9083% | 823 |
| Memoranda: | ||
| Average total assets | $19,849,401,667 | 98 |
| Average earning assets | $18,771,223,667 | 96 |
| Average equity | $2,354,205,667 | 102 |
| Average total loans | $11,645,418,333 | 104 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3273% | 1,004 |
| Cost of funding earning assets | 0.3807% | 2,253 |
| Net interest margin | 3.9466% | 914 |
| Noninterest income to average assets | 0.5381% | 2,442 |
| Noninterest expense to average assets | 2.7647% | 1,455 |
| Loan and lease loss provision to assets | -0.3195% | 4,865 |
| Net operating income to assets | 1.2489% | 1,980 |
| Return on assets (ROA) | 1.2484% | 2,063 |
| Pretax return on assets | 1.8111% | 1,271 |
| Return on Equity (ROE) | 10.0634% | 2,672 |
| Retained earnings to average equity (ytd only) | 6.8883% | 2,612 |
| Net charge-offs to loans | 0.4056% | 205 |
| Credit loss provision to net charge-offs | -121.1255% | 2,861 |
| Earnings coverage of net charge-offs (x) | 5.9738% | 1,661 |
| Efficiency ratio | 63.5103% | 2,530 |
| Assets per employee ($millions) | 6.0576% | 2,545 |
| Cash dividends to net income (ytd only)* | 31.5506% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0312% | 141 |
| Loan loss allowance to noncurrent loans | 99.1474% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 2.2501% | 201 |
| Noncurrent loans to loans | 3.0573% | 251 |
| Net loans and leases to total assets | 58.4230% | 2,753 |
| Net loans and leases to deposits | 70.5410% | 2,453 |
| Net loans and leases to core deposits | 78.2881% | 2,158 |
| Total domestic deposits to total assets | 81.7743% | 3,936 |
| Equity capital to assets | 12.0577% | 1,257 |
| Core capital (leverage) ratio | 12.0035% | 1,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2441% | 762 |
| Memoranda: | ||
| Average total assets | $19,093,533,500 | 104 |
| Average earning assets | $17,991,293,500 | 97 |
| Average equity | $2,368,582,500 | 100 |
| Average total loans | $11,757,981,000 | 104 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8312% | 693 |
| Cost of funding earning assets | 0.6028% | 2,280 |
| Net interest margin | 4.2284% | 598 |
| Noninterest income to average assets | 0.5989% | 2,216 |
| Noninterest expense to average assets | 2.7459% | 2,094 |
| Loan and lease loss provision to assets | 1.1083% | 73 |
| Net operating income to assets | 0.6090% | 3,723 |
| Return on assets (ROA) | 0.6863% | 3,606 |
| Pretax return on assets | 0.7617% | 3,735 |
| Return on Equity (ROE) | 4.4927% | 4,030 |
| Retained earnings to average equity (ytd only) | 2.2561% | 3,727 |
| Net charge-offs to loans | 0.4269% | 391 |
| Credit loss provision to net charge-offs | 386.0582% | 1,474 |
| Earnings coverage of net charge-offs (x) | 6.2985% | 2,794 |
| Efficiency ratio | 59.7900% | 3,491 |
| Assets per employee ($millions) | 5.6426% | 2,692 |
| Cash dividends to net income (ytd only)* | 49.7832% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2212% | 119 |
| Loan loss allowance to noncurrent loans | 109.7745% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 2.2897% | 220 |
| Noncurrent loans to loans | 2.9343% | 294 |
| Net loans and leases to total assets | 60.9293% | 2,741 |
| Net loans and leases to deposits | 74.4300% | 2,444 |
| Net loans and leases to core deposits | 83.3233% | 2,095 |
| Total domestic deposits to total assets | 80.8047% | 3,906 |
| Equity capital to assets | 12.7643% | 1,198 |
| Core capital (leverage) ratio | 11.9230% | 1,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9067% | 778 |
| Memoranda: | ||
| Average total assets | $15,427,492,600 | 113 |
| Average earning assets | $14,343,333,000 | 109 |
| Average equity | $2,356,536,200 | 94 |
| Average total loans | $10,237,722,000 | 113 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8751% | 775 |
| Cost of funding earning assets | 0.6590% | 2,278 |
| Net interest margin | 4.2161% | 706 |
| Noninterest income to average assets | 0.5711% | 2,303 |
| Noninterest expense to average assets | 2.6372% | 2,426 |
| Loan and lease loss provision to assets | 1.4923% | 59 |
| Net operating income to assets | 0.3750% | 4,313 |
| Return on assets (ROA) | 0.4977% | 4,128 |
| Pretax return on assets | 0.4705% | 4,345 |
| Return on Equity (ROE) | 3.0943% | 4,374 |
| Retained earnings to average equity (ytd only) | 0.7436% | 4,323 |
| Net charge-offs to loans | 0.4676% | 318 |
| Credit loss provision to net charge-offs | 459.3504% | 1,347 |
| Earnings coverage of net charge-offs (x) | 5.8344% | 2,706 |
| Efficiency ratio | 58.3304% | 3,621 |
| Assets per employee ($millions) | 5.4183% | 2,782 |
| Cash dividends to net income (ytd only)* | 75.9696% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1942% | 117 |
| Loan loss allowance to noncurrent loans | 106.5532% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 2.3895% | 233 |
| Noncurrent loans to loans | 2.9978% | 307 |
| Net loans and leases to total assets | 61.7410% | 3,039 |
| Net loans and leases to deposits | 75.4660% | 2,802 |
| Net loans and leases to core deposits | 85.1579% | 2,370 |
| Total domestic deposits to total assets | 80.6719% | 3,733 |
| Equity capital to assets | 12.5796% | 1,385 |
| Core capital (leverage) ratio | 13.8255% | 750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8262% | 804 |
| Memoranda: | ||
| Average total assets | $14,589,708,250 | 118 |
| Average earning assets | $13,517,472,250 | 115 |
| Average equity | $2,346,429,500 | 94 |
| Average total loans | $9,841,524,250 | 116 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2907% | 488 |
| Cost of funding earning assets | 0.7584% | 2,062 |
| Net interest margin | 4.5323% | 468 |
| Noninterest income to average assets | 0.5823% | 2,200 |
| Noninterest expense to average assets | 2.7414% | 2,247 |
| Loan and lease loss provision to assets | 1.7583% | 63 |
| Net operating income to assets | 0.2543% | 4,501 |
| Return on assets (ROA) | 0.3686% | 4,353 |
| Pretax return on assets | 0.3970% | 4,415 |
| Return on Equity (ROE) | 2.0791% | 4,518 |
| Retained earnings to average equity (ytd only) | -0.2124% | 4,350 |
| Net charge-offs to loans | 0.5356% | 295 |
| Credit loss provision to net charge-offs | 450.3282% | 1,299 |
| Earnings coverage of net charge-offs (x) | 5.4847% | 2,512 |
| Efficiency ratio | 56.9994% | 3,819 |
| Assets per employee ($millions) | 5.4227% | 2,713 |
| Cash dividends to net income (ytd only)* | 110.2148% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3300% | 103 |
| Loan loss allowance to noncurrent loans | 86.4166% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 3.2558% | 130 |
| Noncurrent loans to loans | 3.8535% | 181 |
| Net loans and leases to total assets | 64.5179% | 2,816 |
| Net loans and leases to deposits | 84.6019% | 1,928 |
| Net loans and leases to core deposits | 99.5914% | 1,285 |
| Total domestic deposits to total assets | 74.6574% | 4,545 |
| Equity capital to assets | 16.6602% | 406 |
| Core capital (leverage) ratio | 16.2333% | 414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5853% | 421 |
| Memoranda: | ||
| Average total assets | $13,238,152,333 | 124 |
| Average earning assets | $12,242,412,000 | 121 |
| Average equity | $2,346,778,000 | 95 |
| Average total loans | $9,158,348,333 | 129 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6112% | 290 |
| Cost of funding earning assets | 0.8360% | 2,195 |
| Net interest margin | 4.7752% | 289 |
| Noninterest income to average assets | 0.5683% | 2,186 |
| Noninterest expense to average assets | 2.8670% | 2,225 |
| Loan and lease loss provision to assets | 2.4147% | 50 |
| Net operating income to assets | -0.1331% | 4,816 |
| Return on assets (ROA) | 0.0709% | 4,684 |
| Pretax return on assets | -0.0660% | 4,762 |
| Return on Equity (ROE) | 0.3872% | 4,705 |
| Retained earnings to average equity (ytd only) | -1.9355% | 4,242 |
| Net charge-offs to loans | 0.6910% | 218 |
| Credit loss provision to net charge-offs | 474.2219% | 913 |
| Earnings coverage of net charge-offs (x) | 4.2895% | 2,147 |
| Efficiency ratio | 57.4075% | 4,072 |
| Assets per employee ($millions) | 4.9523% | 2,701 |
| Cash dividends to net income (ytd only)* | 599.8680% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1568% | 132 |
| Loan loss allowance to noncurrent loans | 84.6974% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 3.3507% | 154 |
| Noncurrent loans to loans | 3.7272% | 232 |
| Net loans and leases to total assets | 67.1934% | 2,673 |
| Net loans and leases to deposits | 91.1638% | 1,382 |
| Net loans and leases to core deposits | 110.6999% | 816 |
| Total domestic deposits to total assets | 71.9635% | 4,773 |
| Equity capital to assets | 17.8908% | 363 |
| Core capital (leverage) ratio | 17.0516% | 409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9138% | 447 |
| Memoranda: | ||
| Average total assets | $12,815,850,000 | 124 |
| Average earning assets | $11,779,496,500 | 120 |
| Average equity | $2,347,062,500 | 94 |
| Average total loans | $9,038,076,500 | 123 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8623% | 290 |
| Cost of funding earning assets | 0.8628% | 2,365 |
| Net interest margin | 4.9995% | 271 |
| Noninterest income to average assets | 0.6300% | 2,094 |
| Noninterest expense to average assets | 2.9783% | 2,070 |
| Loan and lease loss provision to assets | 0.3231% | 493 |
| Net operating income to assets | 1.4004% | 1,342 |
| Return on assets (ROA) | 1.3972% | 1,424 |
| Pretax return on assets | 1.9531% | 660 |
| Return on Equity (ROE) | 7.6306% | 3,312 |
| Retained earnings to average equity (ytd only) | 5.7776% | 1,986 |
| Net charge-offs to loans | 0.9027% | 178 |
| Credit loss provision to net charge-offs | 49.4171% | 3,133 |
| Earnings coverage of net charge-offs (x) | 3.4875% | 3,316 |
| Efficiency ratio | 56.1904% | 4,180 |
| Assets per employee ($millions) | 4.6674% | 2,992 |
| Cash dividends to net income (ytd only)* | 24.2841% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6153% | 950 |
| Loan loss allowance to noncurrent loans | 43.3035% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 3.4812% | 131 |
| Noncurrent loans to loans | 3.7301% | 207 |
| Net loans and leases to total assets | 70.5429% | 2,309 |
| Net loans and leases to deposits | 94.6358% | 1,096 |
| Net loans and leases to core deposits | 113.7549% | 684 |
| Total domestic deposits to total assets | 72.7721% | 4,837 |
| Equity capital to assets | 18.7514% | 314 |
| Core capital (leverage) ratio | 17.2619% | 389 |
| Tier 1 risk-based capital ratio | 23.4862% | 866 |
| Total risk-based capital ratio | 24.7406% | 853 |
| Memoranda: | ||
| Average total assets | $12,450,056,800 | 124 |
| Average earning assets | $11,526,143,200 | 119 |
| Average equity | $2,279,678,200 | 93 |
| Average total loans | $9,017,405,600 | 116 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9017% | 294 |
| Cost of funding earning assets | 0.8587% | 2,419 |
| Net interest margin | 5.0430% | 265 |
| Noninterest income to average assets | 0.6090% | 2,161 |
| Noninterest expense to average assets | 2.9025% | 2,261 |
| Loan and lease loss provision to assets | 0.3410% | 399 |
| Net operating income to assets | 1.4635% | 1,294 |
| Return on assets (ROA) | 1.4593% | 1,356 |
| Pretax return on assets | 2.0236% | 657 |
| Return on Equity (ROE) | 8.0189% | 3,302 |
| Retained earnings to average equity (ytd only) | 6.3368% | 2,207 |
| Net charge-offs to loans | 0.9193% | 160 |
| Credit loss provision to net charge-offs | 51.0926% | 2,782 |
| Earnings coverage of net charge-offs (x) | 3.5504% | 3,090 |
| Efficiency ratio | 54.6018% | 4,321 |
| Assets per employee ($millions) | 4.6745% | 2,943 |
| Cash dividends to net income (ytd only)* | 20.9766% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7405% | 756 |
| Loan loss allowance to noncurrent loans | 43.6399% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 3.6896% | 121 |
| Noncurrent loans to loans | 3.9883% | 172 |
| Net loans and leases to total assets | 70.6322% | 2,385 |
| Net loans and leases to deposits | 96.3885% | 973 |
| Net loans and leases to core deposits | 115.7522% | 669 |
| Total domestic deposits to total assets | 71.4902% | 4,943 |
| Equity capital to assets | 18.6481% | 335 |
| Core capital (leverage) ratio | 17.1583% | 416 |
| Tier 1 risk-based capital ratio | 23.5202% | 898 |
| Total risk-based capital ratio | 24.7765% | 875 |
| Memoranda: | ||
| Average total assets | $12,413,231,000 | 125 |
| Average earning assets | $11,478,824,000 | 121 |
| Average equity | $2,259,052,000 | 94 |
| Average total loans | $9,013,646,750 | 117 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8740% | 297 |
| Cost of funding earning assets | 0.8461% | 2,414 |
| Net interest margin | 5.0279% | 278 |
| Noninterest income to average assets | 0.5863% | 2,215 |
| Noninterest expense to average assets | 2.8805% | 2,332 |
| Loan and lease loss provision to assets | 0.3935% | 310 |
| Net operating income to assets | 1.4049% | 1,426 |
| Return on assets (ROA) | 1.4051% | 1,479 |
| Pretax return on assets | 1.9578% | 741 |
| Return on Equity (ROE) | 7.7854% | 3,385 |
| Retained earnings to average equity (ytd only) | 5.9274% | 2,316 |
| Net charge-offs to loans | 1.0643% | 129 |
| Credit loss provision to net charge-offs | 50.7502% | 2,470 |
| Earnings coverage of net charge-offs (x) | 3.0319% | 2,883 |
| Efficiency ratio | 54.6033% | 4,399 |
| Assets per employee ($millions) | 4.6896% | 2,892 |
| Cash dividends to net income (ytd only)* | 23.8657% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7883% | 696 |
| Loan loss allowance to noncurrent loans | 41.5037% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 4.0850% | 110 |
| Noncurrent loans to loans | 4.3089% | 151 |
| Net loans and leases to total assets | 71.6293% | 2,259 |
| Net loans and leases to deposits | 97.2609% | 915 |
| Net loans and leases to core deposits | 117.2886% | 637 |
| Total domestic deposits to total assets | 71.8764% | 4,983 |
| Equity capital to assets | 18.2407% | 355 |
| Core capital (leverage) ratio | 16.7462% | 459 |
| Tier 1 risk-based capital ratio | 22.4816% | 999 |
| Total risk-based capital ratio | 23.7384% | 977 |
| Memoranda: | ||
| Average total assets | $12,376,618,670 | 125 |
| Average earning assets | $11,434,864,670 | 119 |
| Average equity | $2,233,633,000 | 92 |
| Average total loans | $9,017,531,670 | 117 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8602% | 278 |
| Cost of funding earning assets | 0.8392% | 2,331 |
| Net interest margin | 5.0210% | 275 |
| Noninterest income to average assets | 0.5716% | 2,178 |
| Noninterest expense to average assets | 2.8662% | 2,370 |
| Loan and lease loss provision to assets | 0.3844% | 303 |
| Net operating income to assets | 1.4302% | 1,294 |
| Return on assets (ROA) | 1.4303% | 1,323 |
| Pretax return on assets | 1.9569% | 691 |
| Return on Equity (ROE) | 7.9690% | 3,278 |
| Retained earnings to average equity (ytd only) | 6.2476% | 2,345 |
| Net charge-offs to loans | 1.0532% | 129 |
| Credit loss provision to net charge-offs | 50.1187% | 1,973 |
| Earnings coverage of net charge-offs (x) | 3.0525% | 2,435 |
| Efficiency ratio | 54.5659% | 4,480 |
| Assets per employee ($millions) | 4.6337% | 2,998 |
| Cash dividends to net income (ytd only)* | 21.6002% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9432% | 563 |
| Loan loss allowance to noncurrent loans | 41.7040% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 4.4478% | 86 |
| Noncurrent loans to loans | 4.6595% | 137 |
| Net loans and leases to total assets | 71.5297% | 2,246 |
| Net loans and leases to deposits | 97.0808% | 882 |
| Net loans and leases to core deposits | 117.1112% | 610 |
| Total domestic deposits to total assets | 71.8080% | 5,052 |
| Equity capital to assets | 18.0765% | 346 |
| Core capital (leverage) ratio | 16.5926% | 467 |
| Tier 1 risk-based capital ratio | 22.3524% | 1,009 |
| Total risk-based capital ratio | 23.6112% | 988 |
| Memoranda: | ||
| Average total assets | $12,299,631,500 | 125 |
| Average earning assets | $11,355,917,000 | 120 |
| Average equity | $2,207,616,500 | 93 |
| Average total loans | $8,956,792,000 | 118 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5104% | 390 |
| Cost of funding earning assets | 0.7990% | 1,525 |
| Net interest margin | 4.7113% | 474 |
| Noninterest income to average assets | 0.5749% | 2,416 |
| Noninterest expense to average assets | 2.8684% | 2,456 |
| Loan and lease loss provision to assets | 0.4838% | 246 |
| Net operating income to assets | 1.6744% | 730 |
| Return on assets (ROA) | 1.6736% | 730 |
| Pretax return on assets | 1.5837% | 1,519 |
| Return on Equity (ROE) | 9.9275% | 2,546 |
| Retained earnings to average equity (ytd only) | 8.0975% | 1,187 |
| Net charge-offs to loans | 1.0850% | 133 |
| Credit loss provision to net charge-offs | 62.0178% | 3,080 |
| Earnings coverage of net charge-offs (x) | 2.6513% | 3,501 |
| Efficiency ratio | 57.5353% | 4,207 |
| Assets per employee ($millions) | 4.5693% | 3,059 |
| Cash dividends to net income (ytd only)* | 18.4332% | 3,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1038% | 402 |
| Loan loss allowance to noncurrent loans | 38.8661% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 5.0092% | 70 |
| Noncurrent loans to loans | 5.4130% | 96 |
| Net loans and leases to total assets | 71.1653% | 2,400 |
| Net loans and leases to deposits | 96.4551% | 1,030 |
| Net loans and leases to core deposits | 116.8793% | 654 |
| Total domestic deposits to total assets | 71.9546% | 5,075 |
| Equity capital to assets | 17.8193% | 360 |
| Core capital (leverage) ratio | 16.5266% | 455 |
| Tier 1 risk-based capital ratio | 22.2479% | 993 |
| Total risk-based capital ratio | 23.5087% | 969 |
| Memoranda: | ||
| Average total assets | $12,247,589,600 | 117 |
| Average earning assets | $11,339,038,800 | 113 |
| Average equity | $2,064,759,400 | 93 |
| Average total loans | $8,805,670,000 | 115 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4318% | 418 |
| Cost of funding earning assets | 0.8014% | 1,330 |
| Net interest margin | 4.6304% | 554 |
| Noninterest income to average assets | 0.5662% | 2,488 |
| Noninterest expense to average assets | 2.8556% | 2,443 |
| Loan and lease loss provision to assets | 0.5616% | 185 |
| Net operating income to assets | 1.1102% | 2,616 |
| Return on assets (ROA) | 1.1101% | 2,630 |
| Pretax return on assets | 1.4388% | 2,091 |
| Return on Equity (ROE) | 6.6800% | 4,042 |
| Retained earnings to average equity (ytd only) | 4.8278% | 3,333 |
| Net charge-offs to loans | 1.2670% | 100 |
| Credit loss provision to net charge-offs | 61.8197% | 2,724 |
| Earnings coverage of net charge-offs (x) | 2.2022% | 3,269 |
| Efficiency ratio | 58.2178% | 4,087 |
| Assets per employee ($millions) | 4.5996% | 2,976 |
| Cash dividends to net income (ytd only)* | 27.7272% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1826% | 374 |
| Loan loss allowance to noncurrent loans | 35.4674% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 5.5346% | 68 |
| Noncurrent loans to loans | 6.1537% | 74 |
| Net loans and leases to total assets | 70.3562% | 2,588 |
| Net loans and leases to deposits | 93.4051% | 1,449 |
| Net loans and leases to core deposits | 114.0238% | 817 |
| Total domestic deposits to total assets | 73.4271% | 5,026 |
| Equity capital to assets | 16.9117% | 426 |
| Core capital (leverage) ratio | 15.9875% | 518 |
| Tier 1 risk-based capital ratio | 22.0997% | 1,040 |
| Total risk-based capital ratio | 23.3614% | 1,018 |
| Memoranda: | ||
| Average total assets | $12,251,484,000 | 113 |
| Average earning assets | $11,350,781,500 | 110 |
| Average equity | $2,036,034,000 | 93 |
| Average total loans | $8,784,083,000 | 114 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3696% | 413 |
| Cost of funding earning assets | 0.8021% | 1,114 |
| Net interest margin | 4.5675% | 598 |
| Noninterest income to average assets | 0.5866% | 2,399 |
| Noninterest expense to average assets | 2.8329% | 2,568 |
| Loan and lease loss provision to assets | 0.6533% | 152 |
| Net operating income to assets | 1.0387% | 2,858 |
| Return on assets (ROA) | 1.0386% | 2,861 |
| Pretax return on assets | 1.3298% | 2,394 |
| Return on Equity (ROE) | 6.2863% | 4,143 |
| Retained earnings to average equity (ytd only) | 3.7818% | 3,707 |
| Net charge-offs to loans | 1.1821% | 109 |
| Credit loss provision to net charge-offs | 77.1645% | 2,288 |
| Earnings coverage of net charge-offs (x) | 2.3425% | 2,983 |
| Efficiency ratio | 58.2133% | 4,195 |
| Assets per employee ($millions) | 4.7589% | 2,736 |
| Cash dividends to net income (ytd only)* | 39.8405% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4281% | 266 |
| Loan loss allowance to noncurrent loans | 33.3128% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 6.2898% | 54 |
| Noncurrent loans to loans | 7.2888% | 51 |
| Net loans and leases to total assets | 68.6887% | 2,766 |
| Net loans and leases to deposits | 91.8465% | 1,602 |
| Net loans and leases to core deposits | 114.2464% | 784 |
| Total domestic deposits to total assets | 72.8763% | 5,125 |
| Equity capital to assets | 16.4668% | 447 |
| Core capital (leverage) ratio | 15.4819% | 572 |
| Tier 1 risk-based capital ratio | 21.7172% | 1,076 |
| Total risk-based capital ratio | 22.9819% | 1,050 |
| Memoranda: | ||
| Average total assets | $12,269,273,670 | 112 |
| Average earning assets | $11,361,899,000 | 110 |
| Average equity | $2,027,074,670 | 93 |
| Average total loans | $8,787,571,330 | 112 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2790% | 417 |
| Cost of funding earning assets | 0.7999% | 957 |
| Net interest margin | 4.4792% | 646 |
| Noninterest income to average assets | 0.6422% | 2,066 |
| Noninterest expense to average assets | 2.8549% | 2,516 |
| Loan and lease loss provision to assets | 0.6726% | 144 |
| Net operating income to assets | 1.0123% | 2,811 |
| Return on assets (ROA) | 1.0121% | 2,834 |
| Pretax return on assets | 1.2651% | 2,494 |
| Return on Equity (ROE) | 6.1155% | 4,119 |
| Retained earnings to average equity (ytd only) | 1.8454% | 4,400 |
| Net charge-offs to loans | 1.2544% | 114 |
| Credit loss provision to net charge-offs | 74.2250% | 1,796 |
| Earnings coverage of net charge-offs (x) | 2.1386% | 2,489 |
| Efficiency ratio | 58.9037% | 4,232 |
| Assets per employee ($millions) | 4.7611% | 2,781 |
| Cash dividends to net income (ytd only)* | 69.8240% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4634% | 262 |
| Loan loss allowance to noncurrent loans | 34.3033% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 6.4403% | 56 |
| Noncurrent loans to loans | 7.1813% | 66 |
| Net loans and leases to total assets | 70.2408% | 2,437 |
| Net loans and leases to deposits | 94.0828% | 1,218 |
| Net loans and leases to core deposits | 120.2450% | 579 |
| Total domestic deposits to total assets | 72.7563% | 5,232 |
| Equity capital to assets | 16.5330% | 434 |
| Core capital (leverage) ratio | 15.3542% | 581 |
| Tier 1 risk-based capital ratio | 21.2590% | 1,163 |
| Total risk-based capital ratio | 22.5245% | 1,131 |
| Memoranda: | ||
| Average total assets | $12,217,321,500 | 113 |
| Average earning assets | $11,321,238,500 | 110 |
| Average equity | $2,021,876,000 | 92 |
| Average total loans | $8,826,120,000 | 111 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3048% | 365 |
| Cost of funding earning assets | 0.7987% | 628 |
| Net interest margin | 4.5061% | 601 |
| Noninterest income to average assets | 0.5461% | 2,739 |
| Noninterest expense to average assets | 2.8525% | 2,600 |
| Loan and lease loss provision to assets | 1.2004% | 78 |
| Net operating income to assets | 0.7006% | 3,604 |
| Return on assets (ROA) | 0.6019% | 4,038 |
| Pretax return on assets | 0.5538% | 4,839 |
| Return on Equity (ROE) | 3.6201% | 4,639 |
| Retained earnings to average equity (ytd only) | 3.2597% | 3,350 |
| Net charge-offs to loans | 1.3180% | 124 |
| Credit loss provision to net charge-offs | 123.1288% | 2,125 |
| Earnings coverage of net charge-offs (x) | 1.9006% | 3,832 |
| Efficiency ratio | 59.8698% | 4,291 |
| Assets per employee ($millions) | 4.8100% | 2,726 |
| Cash dividends to net income (ytd only)* | 9.9547% | 3,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5168% | 238 |
| Loan loss allowance to noncurrent loans | 34.3585% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 6.5165% | 54 |
| Noncurrent loans to loans | 7.3251% | 53 |
| Net loans and leases to total assets | 70.6455% | 2,424 |
| Net loans and leases to deposits | 95.5297% | 1,128 |
| Net loans and leases to core deposits | 125.4596% | 451 |
| Total domestic deposits to total assets | 72.1397% | 5,314 |
| Equity capital to assets | 16.5654% | 448 |
| Core capital (leverage) ratio | 15.3898% | 559 |
| Tier 1 risk-based capital ratio | 20.7918% | 1,177 |
| Total risk-based capital ratio | 22.0626% | 1,151 |
| Memoranda: | ||
| Average total assets | $12,016,905,200 | 110 |
| Average earning assets | $11,092,019,800 | 108 |
| Average equity | $1,997,980,200 | 88 |
| Average total loans | $8,889,203,800 | 106 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3225% | 331 |
| Cost of funding earning assets | 0.7870% | 623 |
| Net interest margin | 4.5355% | 558 |
| Noninterest income to average assets | 0.5703% | 2,626 |
| Noninterest expense to average assets | 2.8773% | 2,485 |
| Loan and lease loss provision to assets | 1.3217% | 70 |
| Net operating income to assets | 0.6457% | 4,208 |
| Return on assets (ROA) | 0.5135% | 4,722 |
| Pretax return on assets | 0.4247% | 5,146 |
| Return on Equity (ROE) | 3.0855% | 5,088 |
| Retained earnings to average equity (ytd only) | 2.7237% | 4,270 |
| Net charge-offs to loans | 1.3988% | 115 |
| Credit loss provision to net charge-offs | 127.0698% | 1,920 |
| Earnings coverage of net charge-offs (x) | 1.8061% | 3,543 |
| Efficiency ratio | 59.7473% | 4,261 |
| Assets per employee ($millions) | 4.7105% | 2,818 |
| Cash dividends to net income (ytd only)* | 11.7241% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4903% | 268 |
| Loan loss allowance to noncurrent loans | 36.1526% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 6.2981% | 64 |
| Noncurrent loans to loans | 6.8883% | 74 |
| Net loans and leases to total assets | 71.3428% | 2,350 |
| Net loans and leases to deposits | 98.5961% | 857 |
| Net loans and leases to core deposits | 132.4167% | 303 |
| Total domestic deposits to total assets | 70.6960% | 5,455 |
| Equity capital to assets | 16.5568% | 478 |
| Core capital (leverage) ratio | 15.3420% | 603 |
| Tier 1 risk-based capital ratio | 20.4374% | 1,289 |
| Total risk-based capital ratio | 21.7082% | 1,256 |
| Memoranda: | ||
| Average total assets | $11,959,569,500 | 109 |
| Average earning assets | $11,036,674,000 | 107 |
| Average equity | $1,990,315,000 | 87 |
| Average total loans | $8,892,809,000 | 106 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3211% | 319 |
| Cost of funding earning assets | 0.7660% | 628 |
| Net interest margin | 4.5551% | 510 |
| Noninterest income to average assets | 0.5632% | 2,643 |
| Noninterest expense to average assets | 2.8964% | 2,437 |
| Loan and lease loss provision to assets | 0.7321% | 144 |
| Net operating income to assets | 1.1361% | 1,832 |
| Return on assets (ROA) | 0.9386% | 2,783 |
| Pretax return on assets | 0.9471% | 3,775 |
| Return on Equity (ROE) | 5.6302% | 4,212 |
| Retained earnings to average equity (ytd only) | 5.2671% | 2,540 |
| Net charge-offs to loans | 1.6951% | 101 |
| Credit loss provision to net charge-offs | 57.7711% | 2,482 |
| Earnings coverage of net charge-offs (x) | 1.4824% | 3,275 |
| Efficiency ratio | 59.8934% | 4,331 |
| Assets per employee ($millions) | 4.6134% | 2,922 |
| Cash dividends to net income (ytd only)* | 6.4496% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8499% | 797 |
| Loan loss allowance to noncurrent loans | 30.3562% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 5.8140% | 81 |
| Noncurrent loans to loans | 6.0939% | 99 |
| Net loans and leases to total assets | 73.3306% | 1,982 |
| Net loans and leases to deposits | 99.3324% | 786 |
| Net loans and leases to core deposits | 132.8268% | 267 |
| Total domestic deposits to total assets | 72.1547% | 5,445 |
| Equity capital to assets | 16.9770% | 408 |
| Core capital (leverage) ratio | 15.5343% | 538 |
| Tier 1 risk-based capital ratio | 20.4337% | 1,283 |
| Total risk-based capital ratio | 21.6965% | 1,252 |
| Memoranda: | ||
| Average total assets | $11,893,491,670 | 109 |
| Average earning assets | $10,997,377,670 | 108 |
| Average equity | $1,982,771,670 | 86 |
| Average total loans | $8,891,999,000 | 106 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2820% | 329 |
| Cost of funding earning assets | 0.7535% | 637 |
| Net interest margin | 4.5285% | 498 |
| Noninterest income to average assets | 0.5246% | 2,802 |
| Noninterest expense to average assets | 2.8586% | 2,585 |
| Loan and lease loss provision to assets | 0.8558% | 110 |
| Net operating income to assets | 1.2959% | 1,252 |
| Return on assets (ROA) | 0.8844% | 2,887 |
| Pretax return on assets | 0.5869% | 4,760 |
| Return on Equity (ROE) | 5.3544% | 4,218 |
| Retained earnings to average equity (ytd only) | 4.9879% | 2,903 |
| Net charge-offs to loans | 1.2152% | 143 |
| Credit loss provision to net charge-offs | 94.1634% | 1,660 |
| Earnings coverage of net charge-offs (x) | 2.0401% | 2,648 |
| Efficiency ratio | 59.8831% | 4,465 |
| Assets per employee ($millions) | 4.6191% | 2,977 |
| Cash dividends to net income (ytd only)* | 6.8459% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1975% | 478 |
| Loan loss allowance to noncurrent loans | 31.3913% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 6.5302% | 66 |
| Noncurrent loans to loans | 7.0003% | 78 |
| Net loans and leases to total assets | 72.9628% | 1,921 |
| Net loans and leases to deposits | 97.3559% | 824 |
| Net loans and leases to core deposits | 131.9340% | 235 |
| Total domestic deposits to total assets | 73.2744% | 5,470 |
| Equity capital to assets | 16.6913% | 411 |
| Core capital (leverage) ratio | 15.2231% | 563 |
| Tier 1 risk-based capital ratio | 20.0254% | 1,385 |
| Total risk-based capital ratio | 21.2925% | 1,349 |
| Memoranda: | ||
| Average total assets | $11,891,318,000 | 108 |
| Average earning assets | $10,997,644,500 | 107 |
| Average equity | $1,964,208,000 | 83 |
| Average total loans | $8,893,402,000 | 104 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1181% | 485 |
| Cost of funding earning assets | 0.8174% | 459 |
| Net interest margin | 4.3007% | 931 |
| Noninterest income to average assets | 0.6088% | 2,615 |
| Noninterest expense to average assets | 2.8359% | 2,900 |
| Loan and lease loss provision to assets | 0.7027% | 173 |
| Net operating income to assets | 0.7751% | 3,427 |
| Return on assets (ROA) | 0.7808% | 3,497 |
| Pretax return on assets | 1.0625% | 3,249 |
| Return on Equity (ROE) | 4.9779% | 4,444 |
| Retained earnings to average equity (ytd only) | 3.1766% | 3,650 |
| Net charge-offs to loans | 1.3321% | 118 |
| Credit loss provision to net charge-offs | 72.0308% | 3,097 |
| Earnings coverage of net charge-offs (x) | 1.8015% | 3,937 |
| Efficiency ratio | 60.9003% | 4,436 |
| Assets per employee ($millions) | 4.6187% | 2,929 |
| Cash dividends to net income (ytd only)* | 36.1863% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1985% | 469 |
| Loan loss allowance to noncurrent loans | 28.2539% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 7.1696% | 63 |
| Noncurrent loans to loans | 7.7811% | 58 |
| Net loans and leases to total assets | 73.3272% | 1,953 |
| Net loans and leases to deposits | 98.4108% | 789 |
| Net loans and leases to core deposits | 134.6176% | 230 |
| Total domestic deposits to total assets | 72.8838% | 5,505 |
| Equity capital to assets | 16.3451% | 455 |
| Core capital (leverage) ratio | 15.0955% | 586 |
| Tier 1 risk-based capital ratio | 19.5269% | 1,472 |
| Total risk-based capital ratio | 20.7987% | 1,425 |
| Memoranda: | ||
| Average total assets | $12,342,883,200 | 105 |
| Average earning assets | $11,435,307,600 | 103 |
| Average equity | $1,936,146,400 | 81 |
| Average total loans | $9,039,105,400 | 99 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0958% | 503 |
| Cost of funding earning assets | 0.8372% | 411 |
| Net interest margin | 4.2586% | 1,008 |
| Noninterest income to average assets | 0.5837% | 2,740 |
| Noninterest expense to average assets | 2.8545% | 2,810 |
| Loan and lease loss provision to assets | 0.6804% | 165 |
| Net operating income to assets | 0.7590% | 3,569 |
| Return on assets (ROA) | 0.7542% | 3,713 |
| Pretax return on assets | 0.9917% | 3,665 |
| Return on Equity (ROE) | 4.8571% | 4,574 |
| Retained earnings to average equity (ytd only) | 2.5830% | 4,363 |
| Net charge-offs to loans | 1.3036% | 117 |
| Credit loss provision to net charge-offs | 71.6782% | 2,761 |
| Earnings coverage of net charge-offs (x) | 1.7681% | 3,656 |
| Efficiency ratio | 62.1321% | 4,205 |
| Assets per employee ($millions) | 4.6221% | 2,886 |
| Cash dividends to net income (ytd only)* | 46.8200% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2987% | 438 |
| Loan loss allowance to noncurrent loans | 29.0959% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 7.1634% | 68 |
| Noncurrent loans to loans | 7.9003% | 62 |
| Net loans and leases to total assets | 72.1958% | 2,154 |
| Net loans and leases to deposits | 96.5161% | 997 |
| Net loans and leases to core deposits | 133.3866% | 255 |
| Total domestic deposits to total assets | 73.2278% | 5,503 |
| Equity capital to assets | 16.2541% | 519 |
| Core capital (leverage) ratio | 14.3963% | 753 |
| Tier 1 risk-based capital ratio | 19.4559% | 1,560 |
| Total risk-based capital ratio | 20.7296% | 1,514 |
| Memoranda: | ||
| Average total assets | $12,451,859,250 | 104 |
| Average earning assets | $11,547,162,750 | 100 |
| Average equity | $1,933,630,000 | 81 |
| Average total loans | $9,067,053,750 | 99 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1013% | 491 |
| Cost of funding earning assets | 0.8383% | 401 |
| Net interest margin | 4.2631% | 995 |
| Noninterest income to average assets | 0.5557% | 2,876 |
| Noninterest expense to average assets | 2.8418% | 2,867 |
| Loan and lease loss provision to assets | 0.6682% | 165 |
| Net operating income to assets | 0.7886% | 3,367 |
| Return on assets (ROA) | 0.7048% | 3,914 |
| Pretax return on assets | 0.8946% | 3,970 |
| Return on Equity (ROE) | 4.6072% | 4,675 |
| Retained earnings to average equity (ytd only) | 1.3697% | 4,836 |
| Net charge-offs to loans | 1.0206% | 181 |
| Credit loss provision to net charge-offs | 90.3404% | 2,238 |
| Earnings coverage of net charge-offs (x) | 2.2564% | 3,300 |
| Efficiency ratio | 62.1629% | 4,323 |
| Assets per employee ($millions) | 4.7523% | 2,627 |
| Cash dividends to net income (ytd only)* | 70.2706% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5333% | 350 |
| Loan loss allowance to noncurrent loans | 30.4215% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 7.0454% | 79 |
| Noncurrent loans to loans | 8.3272% | 58 |
| Net loans and leases to total assets | 69.4267% | 2,566 |
| Net loans and leases to deposits | 93.6312% | 1,319 |
| Net loans and leases to core deposits | 133.8477% | 254 |
| Total domestic deposits to total assets | 72.6127% | 5,630 |
| Equity capital to assets | 15.5848% | 607 |
| Core capital (leverage) ratio | 13.6466% | 933 |
| Tier 1 risk-based capital ratio | 18.9157% | 1,706 |
| Total risk-based capital ratio | 20.1915% | 1,673 |
| Memoranda: | ||
| Average total assets | $12,582,794,000 | 103 |
| Average earning assets | $11,673,832,330 | 100 |
| Average equity | $1,924,810,000 | 81 |
| Average total loans | $9,119,084,670 | 97 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1519% | 450 |
| Cost of funding earning assets | 0.8267% | 426 |
| Net interest margin | 4.3252% | 879 |
| Noninterest income to average assets | 0.5709% | 2,670 |
| Noninterest expense to average assets | 2.9172% | 2,649 |
| Loan and lease loss provision to assets | 0.6669% | 158 |
| Net operating income to assets | 0.8067% | 3,206 |
| Return on assets (ROA) | 0.6353% | 4,155 |
| Pretax return on assets | 0.7864% | 4,244 |
| Return on Equity (ROE) | 4.1922% | 4,820 |
| Retained earnings to average equity (ytd only) | 4.1922% | 3,383 |
| Net charge-offs to loans | 0.9847% | 193 |
| Credit loss provision to net charge-offs | 92.6629% | 1,741 |
| Earnings coverage of net charge-offs (x) | 2.3133% | 2,704 |
| Efficiency ratio | 62.8432% | 4,321 |
| Assets per employee ($millions) | 4.8429% | 2,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4923% | 390 |
| Loan loss allowance to noncurrent loans | 30.1132% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 7.0951% | 85 |
| Noncurrent loans to loans | 8.2765% | 66 |
| Net loans and leases to total assets | 70.3321% | 2,285 |
| Net loans and leases to deposits | 94.2811% | 1,122 |
| Net loans and leases to core deposits | 137.6422% | 189 |
| Total domestic deposits to total assets | 73.0772% | 5,694 |
| Equity capital to assets | 15.2722% | 642 |
| Core capital (leverage) ratio | 13.7496% | 883 |
| Tier 1 risk-based capital ratio | 18.6972% | 1,805 |
| Total risk-based capital ratio | 19.9731% | 1,760 |
| Memoranda: | ||
| Average total assets | $12,627,311,500 | 102 |
| Average earning assets | $11,710,640,500 | 101 |
| Average equity | $1,913,654,000 | 82 |
| Average total loans | $9,228,901,000 | 96 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1121% | 503 |
| Cost of funding earning assets | 0.8093% | 469 |
| Net interest margin | 4.3027% | 959 |
| Noninterest income to average assets | 0.7951% | 1,805 |
| Noninterest expense to average assets | 3.0520% | 2,377 |
| Loan and lease loss provision to assets | 1.3490% | 59 |
| Net operating income to assets | 0.3308% | 5,268 |
| Return on assets (ROA) | 0.2207% | 5,596 |
| Pretax return on assets | 0.2603% | 5,596 |
| Return on Equity (ROE) | 1.4961% | 5,685 |
| Retained earnings to average equity (ytd only) | 1.4961% | 4,869 |
| Net charge-offs to loans | 1.6218% | 94 |
| Credit loss provision to net charge-offs | 113.3628% | 2,244 |
| Earnings coverage of net charge-offs (x) | 1.4612% | 4,082 |
| Efficiency ratio | 62.8631% | 4,466 |
| Assets per employee ($millions) | 4.8017% | 2,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4728% | 412 |
| Loan loss allowance to noncurrent loans | 38.1117% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 5.9741% | 136 |
| Noncurrent loans to loans | 6.4884% | 121 |
| Net loans and leases to total assets | 72.2234% | 2,011 |
| Net loans and leases to deposits | 96.6594% | 943 |
| Net loans and leases to core deposits | 142.8296% | 143 |
| Total domestic deposits to total assets | 73.2361% | 5,707 |
| Equity capital to assets | 15.0363% | 662 |
| Core capital (leverage) ratio | 13.3346% | 1,026 |
| Tier 1 risk-based capital ratio | 18.4521% | 1,844 |
| Total risk-based capital ratio | 19.7335% | 1,779 |
| Memoranda: | ||
| Average total assets | $12,753,373,200 | 97 |
| Average earning assets | $11,843,407,000 | 96 |
| Average equity | $1,881,470,000 | 83 |
| Average total loans | $9,357,953,200 | 93 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0869% | 529 |
| Cost of funding earning assets | 0.7999% | 500 |
| Net interest margin | 4.2871% | 985 |
| Noninterest income to average assets | 0.7906% | 1,837 |
| Noninterest expense to average assets | 3.0588% | 2,341 |
| Loan and lease loss provision to assets | 1.4415% | 36 |
| Net operating income to assets | 0.2380% | 5,594 |
| Return on assets (ROA) | 0.1158% | 5,864 |
| Pretax return on assets | 0.1328% | 5,863 |
| Return on Equity (ROE) | 0.7890% | 5,886 |
| Retained earnings to average equity (ytd only) | 0.7890% | 5,379 |
| Net charge-offs to loans | 1.8609% | 69 |
| Credit loss provision to net charge-offs | 105.8074% | 2,177 |
| Earnings coverage of net charge-offs (x) | 1.2586% | 3,860 |
| Efficiency ratio | 63.2459% | 4,375 |
| Assets per employee ($millions) | 4.8301% | 2,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3300% | 552 |
| Loan loss allowance to noncurrent loans | 33.0529% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 6.1052% | 136 |
| Noncurrent loans to loans | 7.0492% | 101 |
| Net loans and leases to total assets | 71.1250% | 2,212 |
| Net loans and leases to deposits | 93.3098% | 1,277 |
| Net loans and leases to core deposits | 137.7844% | 191 |
| Total domestic deposits to total assets | 74.8080% | 5,637 |
| Equity capital to assets | 14.7864% | 787 |
| Core capital (leverage) ratio | 13.5432% | 1,001 |
| Tier 1 risk-based capital ratio | 18.1556% | 1,990 |
| Total risk-based capital ratio | 19.4356% | 1,952 |
| Memoranda: | ||
| Average total assets | $12,802,582,250 | 99 |
| Average earning assets | $11,894,305,000 | 98 |
| Average equity | $1,879,828,500 | 84 |
| Average total loans | $9,372,766,750 | 94 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1159% | 490 |
| Cost of funding earning assets | 0.8130% | 462 |
| Net interest margin | 4.3029% | 915 |
| Noninterest income to average assets | 0.8696% | 1,542 |
| Noninterest expense to average assets | 3.1154% | 2,197 |
| Loan and lease loss provision to assets | 1.6753% | 34 |
| Net operating income to assets | 0.0496% | 5,931 |
| Return on assets (ROA) | -0.0870% | 6,070 |
| Pretax return on assets | -0.1317% | 6,082 |
| Return on Equity (ROE) | -0.5941% | 6,064 |
| Retained earnings to average equity (ytd only) | -0.5941% | 5,628 |
| Net charge-offs to loans | 2.2720% | 57 |
| Credit loss provision to net charge-offs | 100.5410% | 2,029 |
| Earnings coverage of net charge-offs (x) | 1.0506% | 3,583 |
| Efficiency ratio | 63.2236% | 4,481 |
| Assets per employee ($millions) | 4.6910% | 2,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2640% | 669 |
| Loan loss allowance to noncurrent loans | 30.1687% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 6.5195% | 137 |
| Noncurrent loans to loans | 7.5045% | 100 |
| Net loans and leases to total assets | 72.2465% | 1,939 |
| Net loans and leases to deposits | 95.0430% | 1,044 |
| Net loans and leases to core deposits | 142.6190% | 150 |
| Total domestic deposits to total assets | 74.5334% | 5,746 |
| Equity capital to assets | 14.7998% | 742 |
| Core capital (leverage) ratio | 13.0301% | 1,153 |
| Tier 1 risk-based capital ratio | 17.8528% | 2,111 |
| Total risk-based capital ratio | 19.1317% | 2,060 |
| Memoranda: | ||
| Average total assets | $12,801,904,330 | 100 |
| Average earning assets | $11,890,032,330 | 100 |
| Average equity | $1,875,322,330 | 85 |
| Average total loans | $9,388,840,000 | 94 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0778% | 504 |
| Cost of funding earning assets | 0.8330% | 418 |
| Net interest margin | 4.2448% | 985 |
| Noninterest income to average assets | 1.0819% | 967 |
| Noninterest expense to average assets | 2.9585% | 2,713 |
| Loan and lease loss provision to assets | 1.0206% | 77 |
| Net operating income to assets | 0.8254% | 3,135 |
| Return on assets (ROA) | 0.8216% | 3,278 |
| Pretax return on assets | 1.0445% | 3,317 |
| Return on Equity (ROE) | 5.6367% | 4,211 |
| Retained earnings to average equity (ytd only) | 5.6367% | 2,689 |
| Net charge-offs to loans | 1.2421% | 171 |
| Credit loss provision to net charge-offs | 112.4757% | 1,489 |
| Earnings coverage of net charge-offs (x) | 2.2812% | 2,789 |
| Efficiency ratio | 58.1623% | 5,316 |
| Assets per employee ($millions) | 5.0353% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2327% | 772 |
| Loan loss allowance to noncurrent loans | 27.2079% | 5,598 |
| Noncurrent assets plus other real estate owned to assets | 6.9042% | 136 |
| Noncurrent loans to loans | 8.2062% | 94 |
| Net loans and leases to total assets | 71.1297% | 1,959 |
| Net loans and leases to deposits | 94.4915% | 935 |
| Net loans and leases to core deposits | 143.8398% | 133 |
| Total domestic deposits to total assets | 73.8323% | 5,915 |
| Equity capital to assets | 14.4736% | 841 |
| Core capital (leverage) ratio | 13.2785% | 1,059 |
| Tier 1 risk-based capital ratio | 17.6149% | 2,268 |
| Total risk-based capital ratio | 18.8926% | 2,215 |
| Memoranda: | ||
| Average total assets | $12,921,657,000 | 100 |
| Average earning assets | $12,014,044,500 | 99 |
| Average equity | $1,883,380,000 | 84 |
| Average total loans | $9,440,193,000 | 94 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3358% | 425 |
| Cost of funding earning assets | 0.9143% | 358 |
| Net interest margin | 4.4215% | 857 |
| Noninterest income to average assets | 0.4746% | 3,675 |
| Noninterest expense to average assets | 3.0110% | 2,811 |
| Loan and lease loss provision to assets | 0.8696% | 138 |
| Net operating income to assets | 0.7577% | 3,586 |
| Return on assets (ROA) | 0.7569% | 3,696 |
| Pretax return on assets | 0.7662% | 4,380 |
| Return on Equity (ROE) | 6.4213% | 3,948 |
| Retained earnings to average equity (ytd only) | 6.4213% | 1,699 |
| Net charge-offs to loans | 1.7830% | 121 |
| Credit loss provision to net charge-offs | 64.5810% | 3,190 |
| Earnings coverage of net charge-offs (x) | 1.2154% | 4,466 |
| Efficiency ratio | 63.9417% | 4,598 |
| Assets per employee ($millions) | 5.0316% | 2,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2481% | 775 |
| Loan loss allowance to noncurrent loans | 28.7723% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 6.8722% | 155 |
| Noncurrent loans to loans | 7.8133% | 121 |
| Net loans and leases to total assets | 73.4747% | 1,671 |
| Net loans and leases to deposits | 95.6938% | 929 |
| Net loans and leases to core deposits | 156.2210% | 92 |
| Total domestic deposits to total assets | 75.2917% | 5,821 |
| Equity capital to assets | 12.5854% | 1,591 |
| Core capital (leverage) ratio | 12.3156% | 1,443 |
| Tier 1 risk-based capital ratio | 17.5516% | 2,297 |
| Total risk-based capital ratio | 18.8155% | 2,261 |
| Memoranda: | ||
| Average total assets | $12,595,112,800 | 98 |
| Average earning assets | $11,886,767,600 | 97 |
| Average equity | $1,484,618,400 | 103 |
| Average total loans | $9,512,374,800 | 90 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3277% | 427 |
| Cost of funding earning assets | 0.9111% | 395 |
| Net interest margin | 4.4167% | 868 |
| Noninterest income to average assets | 0.4337% | 3,995 |
| Noninterest expense to average assets | 2.9899% | 2,837 |
| Loan and lease loss provision to assets | 0.9034% | 126 |
| Net operating income to assets | 0.7058% | 3,914 |
| Return on assets (ROA) | 0.7062% | 4,012 |
| Pretax return on assets | 0.7011% | 4,697 |
| Return on Equity (ROE) | 6.0928% | 4,188 |
| Retained earnings to average equity (ytd only) | 6.0928% | 2,351 |
| Net charge-offs to loans | 1.9886% | 104 |
| Credit loss provision to net charge-offs | 60.0802% | 2,931 |
| Earnings coverage of net charge-offs (x) | 1.0668% | 4,249 |
| Efficiency ratio | 64.2328% | 4,500 |
| Assets per employee ($millions) | 5.1140% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2683% | 862 |
| Loan loss allowance to noncurrent loans | 28.5632% | 5,770 |
| Noncurrent assets plus other real estate owned to assets | 6.7943% | 178 |
| Noncurrent loans to loans | 7.9412% | 124 |
| Net loans and leases to total assets | 72.6223% | 1,740 |
| Net loans and leases to deposits | 94.0809% | 1,037 |
| Net loans and leases to core deposits | 156.0877% | 85 |
| Total domestic deposits to total assets | 75.7935% | 5,847 |
| Equity capital to assets | 12.0113% | 2,047 |
| Core capital (leverage) ratio | 12.0974% | 1,638 |
| Tier 1 risk-based capital ratio | 16.9495% | 2,634 |
| Total risk-based capital ratio | 18.2135% | 2,582 |
| Memoranda: | ||
| Average total assets | $12,641,913,750 | 100 |
| Average earning assets | $11,908,146,750 | 98 |
| Average equity | $1,465,376,250 | 104 |
| Average total loans | $9,558,884,750 | 90 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3816% | 385 |
| Cost of funding earning assets | 0.9141% | 398 |
| Net interest margin | 4.4675% | 754 |
| Noninterest income to average assets | 0.3879% | 4,337 |
| Noninterest expense to average assets | 3.0027% | 2,819 |
| Loan and lease loss provision to assets | 0.9276% | 122 |
| Net operating income to assets | 0.6538% | 4,076 |
| Return on assets (ROA) | 0.6584% | 4,152 |
| Pretax return on assets | 0.6526% | 4,777 |
| Return on Equity (ROE) | 5.7494% | 4,307 |
| Retained earnings to average equity (ytd only) | 5.7494% | 2,482 |
| Net charge-offs to loans | 2.0506% | 108 |
| Credit loss provision to net charge-offs | 59.4865% | 2,653 |
| Earnings coverage of net charge-offs (x) | 1.0104% | 3,910 |
| Efficiency ratio | 64.7324% | 4,579 |
| Assets per employee ($millions) | 5.0357% | 2,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4118% | 804 |
| Loan loss allowance to noncurrent loans | 30.5541% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 6.9891% | 186 |
| Noncurrent loans to loans | 7.8935% | 137 |
| Net loans and leases to total assets | 74.3601% | 1,393 |
| Net loans and leases to deposits | 96.1202% | 794 |
| Net loans and leases to core deposits | 160.9800% | 75 |
| Total domestic deposits to total assets | 75.9052% | 5,918 |
| Equity capital to assets | 11.9696% | 2,011 |
| Core capital (leverage) ratio | 11.7888% | 1,794 |
| Tier 1 risk-based capital ratio | 16.4324% | 2,860 |
| Total risk-based capital ratio | 17.6982% | 2,814 |
| Memoranda: | ||
| Average total assets | $12,647,051,670 | 99 |
| Average earning assets | $11,862,674,670 | 98 |
| Average equity | $1,448,300,670 | 103 |
| Average total loans | $9,617,690,670 | 88 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4240% | 329 |
| Cost of funding earning assets | 0.9282% | 392 |
| Net interest margin | 4.4958% | 665 |
| Noninterest income to average assets | 0.3201% | 4,809 |
| Noninterest expense to average assets | 2.9275% | 3,126 |
| Loan and lease loss provision to assets | 1.0037% | 110 |
| Net operating income to assets | 0.5697% | 4,353 |
| Return on assets (ROA) | 0.5697% | 4,429 |
| Pretax return on assets | 0.5766% | 4,909 |
| Return on Equity (ROE) | 5.0877% | 4,506 |
| Retained earnings to average equity (ytd only) | 5.0877% | 3,070 |
| Net charge-offs to loans | 2.0810% | 123 |
| Credit loss provision to net charge-offs | 63.4839% | 2,074 |
| Earnings coverage of net charge-offs (x) | 0.9995% | 3,213 |
| Efficiency ratio | 64.0815% | 4,846 |
| Assets per employee ($millions) | 5.1638% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6103% | 707 |
| Loan loss allowance to noncurrent loans | 36.9196% | 5,661 |
| Noncurrent assets plus other real estate owned to assets | 6.4018% | 256 |
| Noncurrent loans to loans | 7.0704% | 216 |
| Net loans and leases to total assets | 73.2643% | 1,391 |
| Net loans and leases to deposits | 93.3696% | 844 |
| Net loans and leases to core deposits | 158.8988% | 77 |
| Total domestic deposits to total assets | 77.0563% | 5,959 |
| Equity capital to assets | 11.2855% | 2,445 |
| Core capital (leverage) ratio | 11.4719% | 1,984 |
| Tier 1 risk-based capital ratio | 15.8504% | 3,245 |
| Total risk-based capital ratio | 17.1191% | 3,198 |
| Memoranda: | ||
| Average total assets | $12,718,778,000 | 98 |
| Average earning assets | $11,847,119,500 | 95 |
| Average equity | $1,424,133,000 | 101 |
| Average total loans | $9,662,803,000 | 84 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5522% | 330 |
| Cost of funding earning assets | 1.0639% | 334 |
| Net interest margin | 4.4883% | 750 |
| Noninterest income to average assets | -0.2979% | 6,776 |
| Noninterest expense to average assets | 3.0322% | 2,959 |
| Loan and lease loss provision to assets | 1.8965% | 52 |
| Net operating income to assets | -1.1956% | 6,634 |
| Return on assets (ROA) | -1.1966% | 6,637 |
| Pretax return on assets | -1.1655% | 6,628 |
| Return on Equity (ROE) | -10.3053% | 6,588 |
| Retained earnings to average equity (ytd only) | -10.3053% | 6,539 |
| Net charge-offs to loans | 4.0627% | 38 |
| Credit loss provision to net charge-offs | 61.3134% | 3,518 |
| Earnings coverage of net charge-offs (x) | 0.2366% | 5,006 |
| Efficiency ratio | 79.2991% | 2,268 |
| Assets per employee ($millions) | 5.2131% | 1,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7820% | 615 |
| Loan loss allowance to noncurrent loans | 41.1698% | 5,596 |
| Noncurrent assets plus other real estate owned to assets | 6.4524% | 282 |
| Noncurrent loans to loans | 6.7574% | 261 |
| Net loans and leases to total assets | 74.5927% | 1,265 |
| Net loans and leases to deposits | 95.0106% | 799 |
| Net loans and leases to core deposits | 162.6370% | 65 |
| Total domestic deposits to total assets | 77.0992% | 5,952 |
| Equity capital to assets | 11.1076% | 2,515 |
| Core capital (leverage) ratio | 11.4361% | 2,008 |
| Tier 1 risk-based capital ratio | 15.3969% | 3,429 |
| Total risk-based capital ratio | 16.6732% | 3,369 |
| Memoranda: | ||
| Average total assets | $12,852,703,400 | 98 |
| Average earning assets | $11,632,119,000 | 93 |
| Average equity | $1,492,344,000 | 96 |
| Average total loans | $9,785,301,800 | 80 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5335% | 346 |
| Cost of funding earning assets | 1.0940% | 324 |
| Net interest margin | 4.4395% | 820 |
| Noninterest income to average assets | -0.4379% | 6,865 |
| Noninterest expense to average assets | 3.0154% | 2,938 |
| Loan and lease loss provision to assets | 2.2807% | 29 |
| Net operating income to assets | -1.7649% | 6,782 |
| Return on assets (ROA) | -1.7661% | 6,785 |
| Pretax return on assets | -1.7314% | 6,778 |
| Return on Equity (ROE) | -15.0504% | 6,731 |
| Retained earnings to average equity (ytd only) | -15.0504% | 6,704 |
| Net charge-offs to loans | 5.0356% | 21 |
| Credit loss provision to net charge-offs | 59.6041% | 3,311 |
| Earnings coverage of net charge-offs (x) | 0.1439% | 4,816 |
| Efficiency ratio | 83.2405% | 1,680 |
| Assets per employee ($millions) | 5.2382% | 1,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8508% | 645 |
| Loan loss allowance to noncurrent loans | 39.6016% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 6.4595% | 336 |
| Noncurrent loans to loans | 7.1987% | 283 |
| Net loans and leases to total assets | 73.0881% | 1,433 |
| Net loans and leases to deposits | 93.3700% | 874 |
| Net loans and leases to core deposits | 158.8134% | 74 |
| Total domestic deposits to total assets | 76.9732% | 6,048 |
| Equity capital to assets | 11.0115% | 2,747 |
| Core capital (leverage) ratio | 11.3517% | 2,163 |
| Tier 1 risk-based capital ratio | 15.1974% | 3,632 |
| Total risk-based capital ratio | 16.4792% | 3,559 |
| Memoranda: | ||
| Average total assets | $12,906,746,500 | 98 |
| Average earning assets | $11,640,291,000 | 93 |
| Average equity | $1,514,527,000 | 92 |
| Average total loans | $9,807,713,250 | 79 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5002% | 371 |
| Cost of funding earning assets | 1.1320% | 287 |
| Net interest margin | 4.3682% | 904 |
| Noninterest income to average assets | -0.7670% | 6,923 |
| Noninterest expense to average assets | 3.0471% | 2,849 |
| Loan and lease loss provision to assets | 3.0665% | 20 |
| Net operating income to assets | -2.9457% | 6,894 |
| Return on assets (ROA) | -2.9475% | 6,897 |
| Pretax return on assets | -2.9494% | 6,891 |
| Return on Equity (ROE) | -24.6203% | 6,844 |
| Retained earnings to average equity (ytd only) | -24.6203% | 6,825 |
| Net charge-offs to loans | 6.7803% | 19 |
| Credit loss provision to net charge-offs | 59.3227% | 3,036 |
| Earnings coverage of net charge-offs (x) | 0.0230% | 4,544 |
| Efficiency ratio | 94.7632% | 722 |
| Assets per employee ($millions) | 5.2763% | 1,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9718% | 599 |
| Loan loss allowance to noncurrent loans | 40.9569% | 5,587 |
| Noncurrent assets plus other real estate owned to assets | 6.5773% | 372 |
| Noncurrent loans to loans | 7.2558% | 318 |
| Net loans and leases to total assets | 73.3886% | 1,344 |
| Net loans and leases to deposits | 93.6294% | 833 |
| Net loans and leases to core deposits | 158.0475% | 76 |
| Total domestic deposits to total assets | 77.1079% | 6,111 |
| Equity capital to assets | 10.9840% | 2,768 |
| Core capital (leverage) ratio | 10.9361% | 2,422 |
| Tier 1 risk-based capital ratio | 14.8721% | 3,863 |
| Total risk-based capital ratio | 16.1601% | 3,803 |
| Memoranda: | ||
| Average total assets | $12,952,102,330 | 94 |
| Average earning assets | $11,661,591,670 | 93 |
| Average equity | $1,550,621,670 | 92 |
| Average total loans | $9,874,369,330 | 79 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4795% | 381 |
| Cost of funding earning assets | 1.1618% | 272 |
| Net interest margin | 4.3177% | 941 |
| Noninterest income to average assets | 0.1938% | 6,089 |
| Noninterest expense to average assets | 2.7744% | 3,788 |
| Loan and lease loss provision to assets | 3.4097% | 21 |
| Net operating income to assets | -2.1518% | 6,934 |
| Return on assets (ROA) | -2.1554% | 6,935 |
| Pretax return on assets | -2.1184% | 6,924 |
| Return on Equity (ROE) | -17.3035% | 6,882 |
| Retained earnings to average equity (ytd only) | -17.3035% | 6,797 |
| Net charge-offs to loans | 8.1245% | 16 |
| Credit loss provision to net charge-offs | 54.8379% | 2,531 |
| Earnings coverage of net charge-offs (x) | 0.2083% | 3,749 |
| Efficiency ratio | 67.0329% | 4,486 |
| Assets per employee ($millions) | 5.3965% | 1,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3790% | 465 |
| Loan loss allowance to noncurrent loans | 35.0523% | 5,820 |
| Noncurrent assets plus other real estate owned to assets | 9.1861% | 233 |
| Noncurrent loans to loans | 9.6399% | 227 |
| Net loans and leases to total assets | 73.0887% | 1,193 |
| Net loans and leases to deposits | 94.6731% | 627 |
| Net loans and leases to core deposits | 161.4344% | 70 |
| Total domestic deposits to total assets | 75.9639% | 6,370 |
| Equity capital to assets | 12.1983% | 1,909 |
| Core capital (leverage) ratio | 11.7398% | 1,715 |
| Tier 1 risk-based capital ratio | 15.6920% | 3,430 |
| Total risk-based capital ratio | 16.9844% | 3,367 |
| Memoranda: | ||
| Average total assets | $13,035,931,000 | 93 |
| Average earning assets | $11,700,718,000 | 93 |
| Average equity | $1,623,810,000 | 87 |
| Average total loans | $9,976,713,000 | 76 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4028% | 754 |
| Cost of funding earning assets | 1.4313% | 224 |
| Net interest margin | 3.9715% | 2,514 |
| Noninterest income to average assets | 0.2664% | 5,553 |
| Noninterest expense to average assets | 2.5970% | 4,757 |
| Loan and lease loss provision to assets | 0.9229% | 478 |
| Net operating income to assets | 0.3039% | 5,458 |
| Return on assets (ROA) | 0.2905% | 5,710 |
| Pretax return on assets | 0.3277% | 5,770 |
| Return on Equity (ROE) | 2.3217% | 5,815 |
| Retained earnings to average equity (ytd only) | 2.3217% | 4,602 |
| Net charge-offs to loans | 1.6772% | 496 |
| Credit loss provision to net charge-offs | 69.6224% | 4,181 |
| Earnings coverage of net charge-offs (x) | 0.9548% | 4,989 |
| Efficiency ratio | 66.5783% | 4,398 |
| Assets per employee ($millions) | 5.2688% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1819% | 254 |
| Loan loss allowance to noncurrent loans | 38.1855% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 10.3913% | 202 |
| Noncurrent loans to loans | 10.9516% | 191 |
| Net loans and leases to total assets | 74.1764% | 1,170 |
| Net loans and leases to deposits | 97.9172% | 515 |
| Net loans and leases to core deposits | 169.6668% | 64 |
| Total domestic deposits to total assets | 74.5458% | 6,485 |
| Equity capital to assets | 12.7127% | 1,584 |
| Core capital (leverage) ratio | 12.2543% | 1,427 |
| Tier 1 risk-based capital ratio | 16.0406% | 3,143 |
| Total risk-based capital ratio | 17.3481% | 3,061 |
| Memoranda: | ||
| Average total assets | $13,056,632,600 | 92 |
| Average earning assets | $11,823,216,800 | 88 |
| Average equity | $1,633,534,800 | 82 |
| Average total loans | $10,319,070,000 | 74 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3219% | 964 |
| Cost of funding earning assets | 1.4786% | 226 |
| Net interest margin | 3.8432% | 3,146 |
| Noninterest income to average assets | 0.2774% | 5,560 |
| Noninterest expense to average assets | 2.5771% | 4,817 |
| Loan and lease loss provision to assets | 0.9198% | 474 |
| Net operating income to assets | 0.2351% | 5,824 |
| Return on assets (ROA) | 0.2186% | 6,045 |
| Pretax return on assets | 0.2559% | 6,031 |
| Return on Equity (ROE) | 1.7542% | 6,089 |
| Retained earnings to average equity (ytd only) | 1.7542% | 5,452 |
| Net charge-offs to loans | 1.7247% | 471 |
| Credit loss provision to net charge-offs | 67.1357% | 3,976 |
| Earnings coverage of net charge-offs (x) | 0.8723% | 4,896 |
| Efficiency ratio | 67.6920% | 4,133 |
| Assets per employee ($millions) | 5.3500% | 1,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2178% | 259 |
| Loan loss allowance to noncurrent loans | 38.0429% | 5,743 |
| Noncurrent assets plus other real estate owned to assets | 10.4945% | 217 |
| Noncurrent loans to loans | 11.0870% | 201 |
| Net loans and leases to total assets | 74.7592% | 1,138 |
| Net loans and leases to deposits | 98.6934% | 508 |
| Net loans and leases to core deposits | 174.7914% | 62 |
| Total domestic deposits to total assets | 74.5277% | 6,556 |
| Equity capital to assets | 12.6520% | 1,797 |
| Core capital (leverage) ratio | 12.3487% | 1,475 |
| Tier 1 risk-based capital ratio | 15.7126% | 3,419 |
| Total risk-based capital ratio | 17.0270% | 3,355 |
| Memoranda: | ||
| Average total assets | $13,050,175,500 | 91 |
| Average earning assets | $11,867,554,500 | 86 |
| Average equity | $1,626,133,500 | 85 |
| Average total loans | $10,366,931,250 | 76 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1283% | 1,427 |
| Cost of funding earning assets | 1.5397% | 199 |
| Net interest margin | 3.5885% | 4,309 |
| Noninterest income to average assets | 0.2673% | 5,666 |
| Noninterest expense to average assets | 2.5453% | 4,980 |
| Loan and lease loss provision to assets | 0.9378% | 487 |
| Net operating income to assets | 0.0212% | 6,295 |
| Return on assets (ROA) | 0.0080% | 6,447 |
| Pretax return on assets | 0.0556% | 6,381 |
| Return on Equity (ROE) | 0.0642% | 6,449 |
| Retained earnings to average equity (ytd only) | 0.0642% | 6,018 |
| Net charge-offs to loans | 1.7896% | 495 |
| Credit loss provision to net charge-offs | 65.5854% | 3,672 |
| Earnings coverage of net charge-offs (x) | 0.7093% | 4,697 |
| Efficiency ratio | 70.9538% | 3,606 |
| Assets per employee ($millions) | 5.2233% | 1,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2931% | 276 |
| Loan loss allowance to noncurrent loans | 37.8508% | 5,763 |
| Noncurrent assets plus other real estate owned to assets | 10.8950% | 219 |
| Noncurrent loans to loans | 11.3422% | 195 |
| Net loans and leases to total assets | 76.7610% | 871 |
| Net loans and leases to deposits | 99.5444% | 443 |
| Net loans and leases to core deposits | 175.9914% | 67 |
| Total domestic deposits to total assets | 75.8230% | 6,485 |
| Equity capital to assets | 12.5881% | 1,756 |
| Core capital (leverage) ratio | 12.1320% | 1,531 |
| Tier 1 risk-based capital ratio | 15.4791% | 3,455 |
| Total risk-based capital ratio | 16.7964% | 3,370 |
| Memoranda: | ||
| Average total assets | $13,025,752,670 | 90 |
| Average earning assets | $11,950,202,670 | 84 |
| Average equity | $1,614,720,330 | 86 |
| Average total loans | $10,408,236,330 | 75 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0383% | 1,762 |
| Cost of funding earning assets | 1.5995% | 187 |
| Net interest margin | 3.4388% | 4,963 |
| Noninterest income to average assets | 0.2269% | 5,999 |
| Noninterest expense to average assets | 2.5362% | 5,035 |
| Loan and lease loss provision to assets | 1.1061% | 361 |
| Net operating income to assets | -0.2948% | 6,706 |
| Return on assets (ROA) | -0.3317% | 6,764 |
| Pretax return on assets | -0.2768% | 6,715 |
| Return on Equity (ROE) | -2.6963% | 6,737 |
| Retained earnings to average equity (ytd only) | -2.6963% | 6,363 |
| Net charge-offs to loans | 1.7088% | 565 |
| Credit loss provision to net charge-offs | 81.1537% | 2,703 |
| Earnings coverage of net charge-offs (x) | 0.6355% | 4,016 |
| Efficiency ratio | 74.0148% | 3,101 |
| Assets per employee ($millions) | 5.3235% | 1,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5303% | 246 |
| Loan loss allowance to noncurrent loans | 37.8287% | 5,743 |
| Noncurrent assets plus other real estate owned to assets | 10.9938% | 245 |
| Noncurrent loans to loans | 11.9757% | 205 |
| Net loans and leases to total assets | 75.4150% | 869 |
| Net loans and leases to deposits | 99.0268% | 403 |
| Net loans and leases to core deposits | 179.0544% | 64 |
| Total domestic deposits to total assets | 74.9489% | 6,649 |
| Equity capital to assets | 12.2842% | 1,863 |
| Core capital (leverage) ratio | 11.9148% | 1,639 |
| Tier 1 risk-based capital ratio | 15.5046% | 3,447 |
| Total risk-based capital ratio | 16.8277% | 3,370 |
| Memoranda: | ||
| Average total assets | $13,090,464,000 | 89 |
| Average earning assets | $12,087,862,000 | 83 |
| Average equity | $1,610,379,000 | 85 |
| Average total loans | $10,440,649,000 | 72 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0165% | 2,805 |
| Cost of funding earning assets | 1.9282% | 131 |
| Net interest margin | 3.0884% | 6,369 |
| Noninterest income to average assets | 0.1907% | 6,140 |
| Noninterest expense to average assets | 2.2187% | 6,231 |
| Loan and lease loss provision to assets | 1.6563% | 417 |
| Net operating income to assets | -0.8827% | 6,691 |
| Return on assets (ROA) | -0.5242% | 6,549 |
| Pretax return on assets | -0.4648% | 6,465 |
| Return on Equity (ROE) | -5.7848% | 6,568 |
| Retained earnings to average equity (ytd only) | -5.7848% | 6,493 |
| Net charge-offs to loans | 2.6499% | 419 |
| Credit loss provision to net charge-offs | 80.7289% | 4,414 |
| Earnings coverage of net charge-offs (x) | 0.4060% | 5,515 |
| Efficiency ratio | 72.1629% | 3,538 |
| Assets per employee ($millions) | 5.3256% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5097% | 253 |
| Loan loss allowance to noncurrent loans | 37.9643% | 5,729 |
| Noncurrent assets plus other real estate owned to assets | 10.9286% | 272 |
| Noncurrent loans to loans | 11.8788% | 225 |
| Net loans and leases to total assets | 76.8880% | 839 |
| Net loans and leases to deposits | 101.2904% | 402 |
| Net loans and leases to core deposits | 177.2569% | 82 |
| Total domestic deposits to total assets | 74.7472% | 6,642 |
| Equity capital to assets | 12.3196% | 1,896 |
| Core capital (leverage) ratio | 11.5172% | 1,879 |
| Tier 1 risk-based capital ratio | 15.2518% | 3,483 |
| Total risk-based capital ratio | 16.5785% | 3,387 |
| Memoranda: | ||
| Average total assets | $14,269,818,000 | 78 |
| Average earning assets | $13,219,458,000 | 74 |
| Average equity | $1,293,197,000 | 105 |
| Average total loans | $11,048,230,800 | 67 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0123% | 3,024 |
| Cost of funding earning assets | 1.9855% | 125 |
| Net interest margin | 3.0269% | 6,526 |
| Noninterest income to average assets | 0.1887% | 6,251 |
| Noninterest expense to average assets | 2.1847% | 6,311 |
| Loan and lease loss provision to assets | 1.7799% | 338 |
| Net operating income to assets | -1.0532% | 6,907 |
| Return on assets (ROA) | -0.5755% | 6,724 |
| Pretax return on assets | -0.4990% | 6,618 |
| Return on Equity (ROE) | -6.9093% | 6,762 |
| Retained earnings to average equity (ytd only) | -6.9093% | 6,697 |
| Net charge-offs to loans | 2.7633% | 368 |
| Credit loss provision to net charge-offs | 83.9511% | 4,004 |
| Earnings coverage of net charge-offs (x) | 0.3788% | 5,330 |
| Efficiency ratio | 72.5774% | 3,443 |
| Assets per employee ($millions) | 5.4945% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6634% | 232 |
| Loan loss allowance to noncurrent loans | 37.5860% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 11.0836% | 286 |
| Noncurrent loans to loans | 12.4074% | 218 |
| Net loans and leases to total assets | 75.2295% | 1,107 |
| Net loans and leases to deposits | 94.7972% | 772 |
| Net loans and leases to core deposits | 179.7188% | 81 |
| Total domestic deposits to total assets | 78.3303% | 6,126 |
| Equity capital to assets | 8.8177% | 5,960 |
| Core capital (leverage) ratio | 8.2409% | 6,072 |
| Tier 1 risk-based capital ratio | 10.8372% | 6,641 |
| Total risk-based capital ratio | 12.1520% | 6,584 |
| Memoranda: | ||
| Average total assets | $14,559,357,500 | 74 |
| Average earning assets | $13,464,051,750 | 74 |
| Average equity | $1,212,670,000 | 109 |
| Average total loans | $11,170,937,500 | 66 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9834% | 3,238 |
| Cost of funding earning assets | 2.0092% | 137 |
| Net interest margin | 2.9742% | 6,653 |
| Noninterest income to average assets | 0.3506% | 5,082 |
| Noninterest expense to average assets | 2.1384% | 6,523 |
| Loan and lease loss provision to assets | 1.9821% | 312 |
| Net operating income to assets | -1.0780% | 6,966 |
| Return on assets (ROA) | -0.5420% | 6,743 |
| Pretax return on assets | -0.4654% | 6,638 |
| Return on Equity (ROE) | -6.6235% | 6,811 |
| Retained earnings to average equity (ytd only) | -6.6235% | 6,700 |
| Net charge-offs to loans | 3.0344% | 337 |
| Credit loss provision to net charge-offs | 85.8694% | 3,590 |
| Earnings coverage of net charge-offs (x) | 0.4248% | 4,984 |
| Efficiency ratio | 68.0532% | 4,500 |
| Assets per employee ($millions) | 5.7272% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7257% | 228 |
| Loan loss allowance to noncurrent loans | 37.9878% | 5,769 |
| Noncurrent assets plus other real estate owned to assets | 10.6303% | 345 |
| Noncurrent loans to loans | 12.4401% | 230 |
| Net loans and leases to total assets | 72.6602% | 1,651 |
| Net loans and leases to deposits | 92.2977% | 1,021 |
| Net loans and leases to core deposits | 192.2939% | 76 |
| Total domestic deposits to total assets | 77.6635% | 6,348 |
| Equity capital to assets | 8.5675% | 6,107 |
| Core capital (leverage) ratio | 7.8675% | 6,440 |
| Tier 1 risk-based capital ratio | 10.8313% | 6,633 |
| Total risk-based capital ratio | 12.1484% | 6,567 |
| Memoranda: | ||
| Average total assets | $14,925,291,670 | 76 |
| Average earning assets | $13,892,522,000 | 75 |
| Average equity | $1,221,228,670 | 110 |
| Average total loans | $11,353,773,330 | 68 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0851% | 2,717 |
| Cost of funding earning assets | 2.0308% | 149 |
| Net interest margin | 3.0543% | 6,452 |
| Noninterest income to average assets | 0.4009% | 4,691 |
| Noninterest expense to average assets | 2.0345% | 6,766 |
| Loan and lease loss provision to assets | 2.3141% | 230 |
| Net operating income to assets | -1.1988% | 7,096 |
| Return on assets (ROA) | -0.7121% | 6,928 |
| Pretax return on assets | -0.6248% | 6,828 |
| Return on Equity (ROE) | -8.8952% | 6,991 |
| Retained earnings to average equity (ytd only) | -8.8952% | 6,810 |
| Net charge-offs to loans | 2.8429% | 384 |
| Credit loss provision to net charge-offs | 107.1280% | 2,492 |
| Earnings coverage of net charge-offs (x) | 0.5567% | 4,202 |
| Efficiency ratio | 62.3762% | 5,618 |
| Assets per employee ($millions) | 6.1004% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7347% | 237 |
| Loan loss allowance to noncurrent loans | 39.3150% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 10.1112% | 409 |
| Noncurrent loans to loans | 12.0430% | 276 |
| Net loans and leases to total assets | 71.7817% | 1,769 |
| Net loans and leases to deposits | 92.2437% | 994 |
| Net loans and leases to core deposits | 202.5951% | 74 |
| Total domestic deposits to total assets | 76.8698% | 6,556 |
| Equity capital to assets | 8.1102% | 6,380 |
| Core capital (leverage) ratio | 7.5978% | 6,659 |
| Tier 1 risk-based capital ratio | 10.3958% | 6,865 |
| Total risk-based capital ratio | 11.7113% | 6,814 |
| Memoranda: | ||
| Average total assets | $15,337,701,500 | 74 |
| Average earning assets | $14,241,963,500 | 74 |
| Average equity | $1,227,811,500 | 110 |
| Average total loans | $11,653,853,500 | 67 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0936% | 4,123 |
| Cost of funding earning assets | 2.2264% | 277 |
| Net interest margin | 2.8672% | 6,941 |
| Noninterest income to average assets | -0.0157% | 7,316 |
| Noninterest expense to average assets | 1.9116% | 7,140 |
| Loan and lease loss provision to assets | 3.5728% | 214 |
| Net operating income to assets | -3.4233% | 7,364 |
| Return on assets (ROA) | -2.9020% | 7,292 |
| Pretax return on assets | -2.3277% | 7,120 |
| Return on Equity (ROE) | -33.3823% | 7,271 |
| Retained earnings to average equity (ytd only) | -33.4809% | 7,261 |
| Net charge-offs to loans | 4.7058% | 212 |
| Credit loss provision to net charge-offs | 105.5883% | 4,245 |
| Earnings coverage of net charge-offs (x) | 0.2139% | 5,891 |
| Efficiency ratio | 71.9904% | 3,799 |
| Assets per employee ($millions) | 6.2557% | 1,058 |
| Cash dividends to net income (ytd only)* | -0.2953% | 7,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4616% | 279 |
| Loan loss allowance to noncurrent loans | 34.9903% | 5,984 |
| Noncurrent assets plus other real estate owned to assets | 10.7255% | 362 |
| Noncurrent loans to loans | 12.7510% | 245 |
| Net loans and leases to total assets | 73.1770% | 1,830 |
| Net loans and leases to deposits | 94.1628% | 1,048 |
| Net loans and leases to core deposits | 218.5222% | 68 |
| Total domestic deposits to total assets | 76.8265% | 6,508 |
| Equity capital to assets | 7.9035% | 6,581 |
| Core capital (leverage) ratio | 7.2547% | 6,874 |
| Tier 1 risk-based capital ratio | 10.2775% | 6,830 |
| Total risk-based capital ratio | 11.5709% | 6,789 |
| Memoranda: | ||
| Average total assets | $17,761,720,600 | 66 |
| Average earning assets | $16,422,647,400 | 65 |
| Average equity | $1,544,062,600 | 80 |
| Average total loans | $12,771,466,000 | 64 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0967% | 4,334 |
| Cost of funding earning assets | 2.2744% | 301 |
| Net interest margin | 2.8223% | 7,104 |
| Noninterest income to average assets | -0.0788% | 7,526 |
| Noninterest expense to average assets | 1.8801% | 7,234 |
| Loan and lease loss provision to assets | 3.1918% | 258 |
| Net operating income to assets | -2.6169% | 7,379 |
| Return on assets (ROA) | -1.9380% | 7,239 |
| Pretax return on assets | -1.8742% | 7,160 |
| Return on Equity (ROE) | -21.8707% | 7,257 |
| Retained earnings to average equity (ytd only) | -21.9958% | 7,245 |
| Net charge-offs to loans | 3.6425% | 362 |
| Credit loss provision to net charge-offs | 123.5815% | 3,314 |
| Earnings coverage of net charge-offs (x) | 0.2473% | 5,769 |
| Efficiency ratio | 74.0858% | 3,317 |
| Assets per employee ($millions) | 6.6804% | 891 |
| Cash dividends to net income (ytd only)* | -0.5720% | 7,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7895% | 201 |
| Loan loss allowance to noncurrent loans | 35.9644% | 5,935 |
| Noncurrent assets plus other real estate owned to assets | 10.6019% | 358 |
| Noncurrent loans to loans | 13.3174% | 219 |
| Net loans and leases to total assets | 69.4804% | 2,857 |
| Net loans and leases to deposits | 91.9509% | 1,453 |
| Net loans and leases to core deposits | 223.2568% | 70 |
| Total domestic deposits to total assets | 74.7671% | 6,819 |
| Equity capital to assets | 8.9606% | 5,635 |
| Core capital (leverage) ratio | 8.0347% | 6,296 |
| Tier 1 risk-based capital ratio | 11.5171% | 5,918 |
| Total risk-based capital ratio | 12.8130% | 5,855 |
| Memoranda: | ||
| Average total assets | $18,306,399,250 | 62 |
| Average earning assets | $16,849,179,500 | 62 |
| Average equity | $1,622,177,500 | 79 |
| Average total loans | $12,980,406,750 | 63 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0478% | 4,715 |
| Cost of funding earning assets | 2.2957% | 341 |
| Net interest margin | 2.7521% | 7,200 |
| Noninterest income to average assets | 0.1758% | 6,644 |
| Noninterest expense to average assets | 1.8785% | 7,296 |
| Loan and lease loss provision to assets | 3.3710% | 267 |
| Net operating income to assets | -2.6423% | 7,449 |
| Return on assets (ROA) | -2.0524% | 7,329 |
| Pretax return on assets | -1.9470% | 7,221 |
| Return on Equity (ROE) | -23.2385% | 7,340 |
| Retained earnings to average equity (ytd only) | -23.4213% | 7,330 |
| Net charge-offs to loans | 3.6067% | 400 |
| Credit loss provision to net charge-offs | 132.9563% | 3,025 |
| Earnings coverage of net charge-offs (x) | 0.3290% | 5,401 |
| Efficiency ratio | 68.7428% | 4,437 |
| Assets per employee ($millions) | 7.0437% | 756 |
| Cash dividends to net income (ytd only)* | -0.7867% | 7,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5933% | 234 |
| Loan loss allowance to noncurrent loans | 33.7499% | 6,124 |
| Noncurrent assets plus other real estate owned to assets | 10.2121% | 391 |
| Noncurrent loans to loans | 13.6098% | 210 |
| Net loans and leases to total assets | 66.2868% | 3,768 |
| Net loans and leases to deposits | 93.8268% | 1,302 |
| Net loans and leases to core deposits | 245.7480% | 62 |
| Total domestic deposits to total assets | 69.8952% | 7,335 |
| Equity capital to assets | 8.8161% | 5,726 |
| Core capital (leverage) ratio | 7.7911% | 6,509 |
| Tier 1 risk-based capital ratio | 11.5337% | 5,733 |
| Total risk-based capital ratio | 12.8260% | 5,662 |
| Memoranda: | ||
| Average total assets | $18,852,672,330 | 61 |
| Average earning assets | $17,378,250,670 | 59 |
| Average equity | $1,665,065,330 | 76 |
| Average total loans | $13,252,789,000 | 59 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9990% | 5,020 |
| Cost of funding earning assets | 2.2786% | 458 |
| Net interest margin | 2.7204% | 7,274 |
| Noninterest income to average assets | 0.4137% | 4,776 |
| Noninterest expense to average assets | 1.8427% | 7,419 |
| Loan and lease loss provision to assets | 3.5566% | 263 |
| Net operating income to assets | -2.5999% | 7,575 |
| Return on assets (ROA) | -2.1766% | 7,504 |
| Pretax return on assets | -2.0421% | 7,422 |
| Return on Equity (ROE) | -24.6240% | 7,496 |
| Retained earnings to average equity (ytd only) | -24.8008% | 7,458 |
| Net charge-offs to loans | 3.7354% | 371 |
| Credit loss provision to net charge-offs | 134.7083% | 2,620 |
| Earnings coverage of net charge-offs (x) | 0.4133% | 4,663 |
| Efficiency ratio | 62.3345% | 5,768 |
| Assets per employee ($millions) | 7.2292% | 745 |
| Cash dividends to net income (ytd only)* | -0.7178% | 7,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0946% | 346 |
| Loan loss allowance to noncurrent loans | 30.2219% | 6,384 |
| Noncurrent assets plus other real estate owned to assets | 10.2693% | 377 |
| Noncurrent loans to loans | 13.5484% | 228 |
| Net loans and leases to total assets | 67.5087% | 3,505 |
| Net loans and leases to deposits | 98.2667% | 886 |
| Net loans and leases to core deposits | 249.3425% | 75 |
| Total domestic deposits to total assets | 67.9103% | 7,532 |
| Equity capital to assets | 8.7321% | 5,687 |
| Core capital (leverage) ratio | 8.0133% | 6,222 |
| Tier 1 risk-based capital ratio | 11.4778% | 5,694 |
| Total risk-based capital ratio | 12.7629% | 5,636 |
| Memoranda: | ||
| Average total assets | $19,227,858,000 | 59 |
| Average earning assets | $17,812,732,000 | 57 |
| Average equity | $1,699,642,000 | 75 |
| Average total loans | $13,590,614,500 | 58 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2032% | 5,635 |
| Cost of funding earning assets | 2.4702% | 1,093 |
| Net interest margin | 2.7330% | 7,165 |
| Noninterest income to average assets | 0.2385% | 6,383 |
| Noninterest expense to average assets | 1.6153% | 7,759 |
| Loan and lease loss provision to assets | 2.8505% | 637 |
| Net operating income to assets | -1.7086% | 6,964 |
| Return on assets (ROA) | -1.2821% | 6,759 |
| Pretax return on assets | -1.2267% | 6,555 |
| Return on Equity (ROE) | -13.5815% | 6,860 |
| Retained earnings to average equity (ytd only) | -16.0762% | 6,942 |
| Net charge-offs to loans | 2.1351% | 1,136 |
| Credit loss provision to net charge-offs | 196.4515% | 2,011 |
| Earnings coverage of net charge-offs (x) | 0.8251% | 5,287 |
| Efficiency ratio | 57.0620% | 6,885 |
| Assets per employee ($millions) | 7.3195% | 702 |
| Cash dividends to net income (ytd only)* | -18.3688% | 7,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5843% | 499 |
| Loan loss allowance to noncurrent loans | 29.3388% | 6,517 |
| Noncurrent assets plus other real estate owned to assets | 9.3517% | 426 |
| Noncurrent loans to loans | 12.2171% | 269 |
| Net loans and leases to total assets | 68.4178% | 3,607 |
| Net loans and leases to deposits | 105.3899% | 582 |
| Net loans and leases to core deposits | 115.2604% | 2,389 |
| Total domestic deposits to total assets | 64.1846% | 7,707 |
| Equity capital to assets | 8.9426% | 5,229 |
| Core capital (leverage) ratio | 8.5348% | 5,227 |
| Tier 1 risk-based capital ratio | 11.6968% | 5,202 |
| Total risk-based capital ratio | 12.8693% | 5,236 |
| Memoranda: | ||
| Average total assets | $19,771,578,400 | 59 |
| Average earning assets | $18,621,691,800 | 57 |
| Average equity | $1,866,395,600 | 65 |
| Average total loans | $13,436,672,400 | 59 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1798% | 5,961 |
| Cost of funding earning assets | 2.5338% | 1,195 |
| Net interest margin | 2.6460% | 7,297 |
| Noninterest income to average assets | 0.2374% | 6,530 |
| Noninterest expense to average assets | 1.5778% | 7,849 |
| Loan and lease loss provision to assets | 2.8698% | 533 |
| Net operating income to assets | -1.7643% | 7,219 |
| Return on assets (ROA) | -1.3608% | 7,040 |
| Pretax return on assets | -1.3060% | 6,866 |
| Return on Equity (ROE) | -14.2302% | 7,148 |
| Retained earnings to average equity (ytd only) | -17.4526% | 7,250 |
| Net charge-offs to loans | 2.0871% | 934 |
| Credit loss provision to net charge-offs | 204.5673% | 2,173 |
| Earnings coverage of net charge-offs (x) | 0.8271% | 5,227 |
| Efficiency ratio | 57.2058% | 6,843 |
| Assets per employee ($millions) | 7.2422% | 712 |
| Cash dividends to net income (ytd only)* | -22.6448% | 7,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2073% | 558 |
| Loan loss allowance to noncurrent loans | 25.1337% | 6,777 |
| Noncurrent assets plus other real estate owned to assets | 9.3853% | 393 |
| Noncurrent loans to loans | 12.7610% | 236 |
| Net loans and leases to total assets | 66.1975% | 4,385 |
| Net loans and leases to deposits | 107.2110% | 594 |
| Net loans and leases to core deposits | 115.7986% | 2,649 |
| Total domestic deposits to total assets | 61.0730% | 7,850 |
| Equity capital to assets | 9.1071% | 5,322 |
| Core capital (leverage) ratio | 8.4914% | 5,514 |
| Tier 1 risk-based capital ratio | 11.8726% | 5,087 |
| Total risk-based capital ratio | 13.0754% | 5,074 |
| Memoranda: | ||
| Average total assets | $19,810,376,000 | 63 |
| Average earning assets | $18,722,817,000 | 62 |
| Average equity | $1,894,440,250 | 67 |
| Average total loans | $13,315,828,500 | 62 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4157% | 5,059 |
| Cost of funding earning assets | 2.7626% | 872 |
| Net interest margin | 2.6530% | 7,297 |
| Noninterest income to average assets | 0.3006% | 6,114 |
| Noninterest expense to average assets | 1.6638% | 7,870 |
| Loan and lease loss provision to assets | 2.9664% | 516 |
| Net operating income to assets | -0.5890% | 6,644 |
| Return on assets (ROA) | -0.4107% | 6,468 |
| Pretax return on assets | -1.5293% | 7,100 |
| Return on Equity (ROE) | -4.3472% | 6,525 |
| Retained earnings to average equity (ytd only) | -9.4173% | 6,808 |
| Net charge-offs to loans | 2.0630% | 895 |
| Credit loss provision to net charge-offs | 217.7012% | 2,115 |
| Earnings coverage of net charge-offs (x) | 0.8502% | 4,904 |
| Efficiency ratio | 58.4987% | 6,771 |
| Assets per employee ($millions) | 7.1939% | 707 |
| Cash dividends to net income (ytd only)* | -116.6308% | 8,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8850% | 625 |
| Loan loss allowance to noncurrent loans | 29.0526% | 6,561 |
| Noncurrent assets plus other real estate owned to assets | 7.0158% | 602 |
| Noncurrent loans to loans | 9.9301% | 355 |
| Net loans and leases to total assets | 62.8007% | 5,217 |
| Net loans and leases to deposits | 103.1219% | 978 |
| Net loans and leases to core deposits | 112.9540% | 3,022 |
| Total domestic deposits to total assets | 60.2174% | 7,929 |
| Equity capital to assets | 9.4683% | 4,650 |
| Core capital (leverage) ratio | 8.4200% | 5,580 |
| Tier 1 risk-based capital ratio | 12.0840% | 4,845 |
| Total risk-based capital ratio | 13.3521% | 4,751 |
| Memoranda: | ||
| Average total assets | $18,764,151,330 | 69 |
| Average earning assets | $17,835,744,000 | 68 |
| Average equity | $1,772,685,670 | 73 |
| Average total loans | $12,393,450,000 | 67 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5539% | 4,615 |
| Cost of funding earning assets | 3.0348% | 553 |
| Net interest margin | 2.5191% | 7,476 |
| Noninterest income to average assets | 0.3453% | 5,684 |
| Noninterest expense to average assets | 1.5294% | 7,964 |
| Loan and lease loss provision to assets | 1.0799% | 1,213 |
| Net operating income to assets | 0.3275% | 5,178 |
| Return on assets (ROA) | 0.7109% | 3,697 |
| Pretax return on assets | 0.5108% | 5,055 |
| Return on Equity (ROE) | 7.5331% | 3,362 |
| Retained earnings to average equity (ytd only) | 2.9839% | 4,212 |
| Net charge-offs to loans | 1.9660% | 733 |
| Credit loss provision to net charge-offs | 82.2827% | 4,158 |
| Earnings coverage of net charge-offs (x) | 0.9199% | 4,308 |
| Efficiency ratio | 55.3629% | 7,060 |
| Assets per employee ($millions) | 7.0542% | 753 |
| Cash dividends to net income (ytd only)* | 60.3900% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5374% | 2,775 |
| Loan loss allowance to noncurrent loans | 25.8928% | 6,846 |
| Noncurrent assets plus other real estate owned to assets | 4.2376% | 1,178 |
| Noncurrent loans to loans | 5.9377% | 815 |
| Net loans and leases to total assets | 66.4372% | 4,481 |
| Net loans and leases to deposits | 111.2600% | 556 |
| Net loans and leases to core deposits | 122.3296% | 2,230 |
| Total domestic deposits to total assets | 59.0249% | 7,988 |
| Equity capital to assets | 10.3442% | 3,615 |
| Core capital (leverage) ratio | 9.7028% | 3,754 |
| Tier 1 risk-based capital ratio | 13.1006% | 4,121 |
| Total risk-based capital ratio | 14.3530% | 4,027 |
| Memoranda: | ||
| Average total assets | $18,614,317,000 | 70 |
| Average earning assets | $17,670,864,500 | 69 |
| Average equity | $1,756,517,000 | 72 |
| Average total loans | $12,426,238,500 | 68 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3928% | 3,458 |
| Cost of funding earning assets | 3.5611% | 442 |
| Net interest margin | 2.8317% | 7,279 |
| Noninterest income to average assets | 0.4325% | 5,190 |
| Noninterest expense to average assets | 1.7082% | 7,858 |
| Loan and lease loss provision to assets | 0.9952% | 1,482 |
| Net operating income to assets | 0.5814% | 4,390 |
| Return on assets (ROA) | 0.7357% | 3,572 |
| Pretax return on assets | 0.5885% | 4,727 |
| Return on Equity (ROE) | 8.7410% | 2,737 |
| Retained earnings to average equity (ytd only) | 3.2195% | 3,146 |
| Net charge-offs to loans | 1.2378% | 974 |
| Credit loss provision to net charge-offs | 122.7355% | 4,376 |
| Earnings coverage of net charge-offs (x) | 1.7628% | 5,191 |
| Efficiency ratio | 54.0310% | 7,264 |
| Assets per employee ($millions) | 6.8618% | 751 |
| Cash dividends to net income (ytd only)* | 63.1682% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6804% | 1,963 |
| Loan loss allowance to noncurrent loans | 21.6776% | 7,155 |
| Noncurrent assets plus other real estate owned to assets | 5.2911% | 627 |
| Noncurrent loans to loans | 7.7518% | 358 |
| Net loans and leases to total assets | 64.9191% | 5,080 |
| Net loans and leases to deposits | 95.5987% | 2,511 |
| Net loans and leases to core deposits | 104.9414% | 4,305 |
| Total domestic deposits to total assets | 67.2560% | 7,545 |
| Equity capital to assets | 8.5166% | 6,057 |
| Core capital (leverage) ratio | 7.8981% | 6,653 |
| Tier 1 risk-based capital ratio | 10.9784% | 5,745 |
| Total risk-based capital ratio | 12.2324% | 5,645 |
| Memoranda: | ||
| Average total assets | $17,611,013,600 | 70 |
| Average earning assets | $16,823,642,200 | 69 |
| Average equity | $1,482,317,200 | 76 |
| Average total loans | $11,536,971,400 | 74 |