Home > Firstmerit Bank > Performance and Condition Ratios
Firstmerit Bank, Performance and Condition Ratios
| 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 | 3.6330% | 4,495 |
| Cost of funding earning assets | 0.3366% | 3,734 |
| Net interest margin | 3.2964% | 4,252 |
| Noninterest income to average assets | 0.9831% | 1,163 |
| Noninterest expense to average assets | 2.4666% | 4,131 |
| Loan and lease loss provision to assets | 0.1096% | 2,040 |
| Net operating income to assets | 0.9192% | 2,773 |
| Return on assets (ROA) | 0.9323% | 2,849 |
| Pretax return on assets | 1.3511% | 2,200 |
| Return on Equity (ROE) | 7.7022% | 3,143 |
| Retained earnings to average equity (ytd only) | 3.0854% | 3,941 |
| Net charge-offs to loans | 0.2282% | 1,027 |
| Credit loss provision to net charge-offs | 76.7609% | 2,401 |
| Earnings coverage of net charge-offs (x) | 10.0970% | 2,357 |
| Efficiency ratio | 62.2020% | 4,316 |
| Assets per employee ($millions) | 6.8042% | 949 |
| Cash dividends to net income (ytd only)* | 59.9412% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9160% | 4,902 |
| Loan loss allowance to noncurrent loans | 81.1678% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 0.8312% | 2,513 |
| Noncurrent loans to loans | 1.1285% | 2,041 |
| Net loans and leases to total assets | 61.8918% | 3,639 |
| Net loans and leases to deposits | 76.8141% | 3,293 |
| Net loans and leases to core deposits | 84.0874% | 3,075 |
| Total domestic deposits to total assets | 80.5735% | 4,396 |
| Equity capital to assets | 12.1945% | 1,976 |
| Core capital (leverage) ratio | 9.3352% | 4,414 |
| Tier 1 risk-based capital ratio | 11.7392% | 5,011 |
| Total risk-based capital ratio | 13.7549% | 4,428 |
| Memoranda: | ||
| Average total assets | $25,912,245,330 | 63 |
| Average earning assets | $22,993,817,670 | 63 |
| Average equity | $3,136,368,670 | 59 |
| Average total loans | $16,209,655,000 | 66 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6365% | 4,515 |
| Cost of funding earning assets | 0.3392% | 3,726 |
| Net interest margin | 3.2973% | 4,231 |
| Noninterest income to average assets | 1.0126% | 1,048 |
| Noninterest expense to average assets | 2.5228% | 4,003 |
| Loan and lease loss provision to assets | 0.1211% | 1,743 |
| Net operating income to assets | 0.8973% | 2,767 |
| Return on assets (ROA) | 0.9005% | 2,881 |
| Pretax return on assets | 1.3047% | 2,280 |
| Return on Equity (ROE) | 7.4679% | 3,198 |
| Retained earnings to average equity (ytd only) | 2.4643% | 4,274 |
| Net charge-offs to loans | 0.2436% | 842 |
| Credit loss provision to net charge-offs | 79.4324% | 1,840 |
| Earnings coverage of net charge-offs (x) | 9.3209% | 1,994 |
| Efficiency ratio | 63.0596% | 4,292 |
| Assets per employee ($millions) | 6.5993% | 1,058 |
| Cash dividends to net income (ytd only)* | 67.0008% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9367% | 4,921 |
| Loan loss allowance to noncurrent loans | 84.4677% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 0.8457% | 2,570 |
| Noncurrent loans to loans | 1.1090% | 2,181 |
| Net loans and leases to total assets | 61.6574% | 3,573 |
| Net loans and leases to deposits | 75.7203% | 3,249 |
| Net loans and leases to core deposits | 79.3274% | 3,380 |
| Total domestic deposits to total assets | 81.4279% | 4,370 |
| Equity capital to assets | 12.0353% | 2,014 |
| Core capital (leverage) ratio | 9.1551% | 4,645 |
| Tier 1 risk-based capital ratio | 11.5158% | 5,228 |
| Total risk-based capital ratio | 13.5580% | 4,617 |
| Memoranda: | ||
| Average total assets | $25,790,728,000 | 63 |
| Average earning assets | $22,928,635,500 | 63 |
| Average equity | $3,109,802,500 | 60 |
| Average total loans | $16,145,672,500 | 65 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7557% | 4,175 |
| Cost of funding earning assets | 0.3410% | 3,783 |
| Net interest margin | 3.4146% | 3,854 |
| Noninterest income to average assets | 1.0545% | 1,063 |
| Noninterest expense to average assets | 2.4933% | 4,246 |
| Loan and lease loss provision to assets | 0.1789% | 1,265 |
| Net operating income to assets | 0.9739% | 2,494 |
| Return on assets (ROA) | 0.9765% | 2,561 |
| Pretax return on assets | 1.3989% | 1,908 |
| Return on Equity (ROE) | 8.1221% | 2,889 |
| Retained earnings to average equity (ytd only) | 4.7067% | 2,642 |
| Net charge-offs to loans | 0.2644% | 1,139 |
| Credit loss provision to net charge-offs | 108.8557% | 2,317 |
| Earnings coverage of net charge-offs (x) | 9.5759% | 2,807 |
| Efficiency ratio | 60.2869% | 4,874 |
| Assets per employee ($millions) | 6.5005% | 1,102 |
| Cash dividends to net income (ytd only)* | 42.0504% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9563% | 4,832 |
| Loan loss allowance to noncurrent loans | 93.5754% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 0.8532% | 2,537 |
| Noncurrent loans to loans | 1.0220% | 2,295 |
| Net loans and leases to total assets | 62.3702% | 3,508 |
| Net loans and leases to deposits | 78.7200% | 2,972 |
| Net loans and leases to core deposits | 82.5579% | 3,091 |
| Total domestic deposits to total assets | 79.2304% | 4,919 |
| Equity capital to assets | 12.0808% | 1,896 |
| Core capital (leverage) ratio | 9.2262% | 4,576 |
| Tier 1 risk-based capital ratio | 11.3818% | 5,322 |
| Total risk-based capital ratio | 13.4228% | 4,747 |
| Memoranda: | ||
| Average total assets | $25,204,746,800 | 62 |
| Average earning assets | $22,239,303,400 | 64 |
| Average equity | $3,030,419,200 | 57 |
| Average total loans | $15,670,582,200 | 62 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7742% | 4,172 |
| Cost of funding earning assets | 0.3399% | 3,859 |
| Net interest margin | 3.4342% | 3,821 |
| Noninterest income to average assets | 1.0492% | 1,087 |
| Noninterest expense to average assets | 2.5026% | 4,183 |
| Loan and lease loss provision to assets | 0.1671% | 1,262 |
| Net operating income to assets | 0.9820% | 2,564 |
| Return on assets (ROA) | 0.9855% | 2,622 |
| Pretax return on assets | 1.4106% | 1,972 |
| Return on Equity (ROE) | 8.2070% | 2,965 |
| Retained earnings to average equity (ytd only) | 5.1138% | 2,836 |
| Net charge-offs to loans | 0.2397% | 1,090 |
| Credit loss provision to net charge-offs | 112.4960% | 2,084 |
| Earnings coverage of net charge-offs (x) | 10.5867% | 2,583 |
| Efficiency ratio | 60.3952% | 4,832 |
| Assets per employee ($millions) | 6.3719% | 1,140 |
| Cash dividends to net income (ytd only)* | 37.6903% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 4,884 |
| Loan loss allowance to noncurrent loans | 89.0035% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 0.9323% | 2,531 |
| Noncurrent loans to loans | 1.0917% | 2,300 |
| Net loans and leases to total assets | 61.9627% | 3,612 |
| Net loans and leases to deposits | 78.4786% | 3,055 |
| Net loans and leases to core deposits | 82.1911% | 3,232 |
| Total domestic deposits to total assets | 78.9549% | 4,988 |
| Equity capital to assets | 12.2052% | 1,957 |
| Core capital (leverage) ratio | 9.0964% | 4,888 |
| Tier 1 risk-based capital ratio | 11.4015% | 5,426 |
| Total risk-based capital ratio | 13.4854% | 4,833 |
| Memoranda: | ||
| Average total assets | $25,125,731,500 | 62 |
| Average earning assets | $22,138,573,500 | 63 |
| Average equity | $3,017,244,750 | 57 |
| Average total loans | $15,570,458,500 | 62 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7854% | 4,112 |
| Cost of funding earning assets | 0.3337% | 4,002 |
| Net interest margin | 3.4517% | 3,701 |
| Noninterest income to average assets | 1.0140% | 1,148 |
| Noninterest expense to average assets | 2.5085% | 4,218 |
| Loan and lease loss provision to assets | 0.1372% | 1,596 |
| Net operating income to assets | 0.9666% | 2,554 |
| Return on assets (ROA) | 0.9717% | 2,637 |
| Pretax return on assets | 1.4119% | 1,927 |
| Return on Equity (ROE) | 8.1362% | 2,970 |
| Retained earnings to average equity (ytd only) | 6.0602% | 2,207 |
| Net charge-offs to loans | 0.2407% | 1,077 |
| Credit loss provision to net charge-offs | 92.3003% | 2,170 |
| Earnings coverage of net charge-offs (x) | 10.3702% | 2,367 |
| Efficiency ratio | 60.9110% | 4,844 |
| Assets per employee ($millions) | 6.2928% | 1,161 |
| Cash dividends to net income (ytd only)* | 25.5154% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9445% | 5,120 |
| Loan loss allowance to noncurrent loans | 78.0335% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 1.0048% | 2,514 |
| Noncurrent loans to loans | 1.2103% | 2,232 |
| Net loans and leases to total assets | 61.5137% | 3,623 |
| Net loans and leases to deposits | 78.6611% | 2,944 |
| Net loans and leases to core deposits | 82.0652% | 3,165 |
| Total domestic deposits to total assets | 78.2009% | 5,235 |
| Equity capital to assets | 12.0087% | 2,022 |
| Core capital (leverage) ratio | 8.9542% | 5,028 |
| Tier 1 risk-based capital ratio | 11.2023% | 5,617 |
| Total risk-based capital ratio | 13.2679% | 5,036 |
| Memoranda: | ||
| Average total assets | $25,087,885,330 | 62 |
| Average earning assets | $22,069,219,670 | 62 |
| Average equity | $2,996,155,330 | 56 |
| Average total loans | $15,496,481,330 | 61 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8190% | 3,935 |
| Cost of funding earning assets | 0.3353% | 4,034 |
| Net interest margin | 3.4837% | 3,499 |
| Noninterest income to average assets | 0.9955% | 1,130 |
| Noninterest expense to average assets | 2.4989% | 4,267 |
| Loan and lease loss provision to assets | 0.1320% | 1,568 |
| Net operating income to assets | 0.9714% | 2,386 |
| Return on assets (ROA) | 0.9752% | 2,499 |
| Pretax return on assets | 1.4311% | 1,772 |
| Return on Equity (ROE) | 8.1890% | 2,861 |
| Retained earnings to average equity (ytd only) | 8.1890% | 1,497 |
| Net charge-offs to loans | 0.2487% | 965 |
| Credit loss provision to net charge-offs | 86.1680% | 1,772 |
| Earnings coverage of net charge-offs (x) | 10.1662% | 1,952 |
| Efficiency ratio | 60.5799% | 5,020 |
| Assets per employee ($millions) | 6.1176% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9471% | 5,259 |
| Loan loss allowance to noncurrent loans | 70.7950% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 1.0771% | 2,460 |
| Noncurrent loans to loans | 1.3378% | 2,151 |
| Net loans and leases to total assets | 61.0656% | 3,520 |
| Net loans and leases to deposits | 76.5209% | 2,992 |
| Net loans and leases to core deposits | 80.0650% | 3,156 |
| Total domestic deposits to total assets | 79.8025% | 5,093 |
| Equity capital to assets | 12.0318% | 2,003 |
| Core capital (leverage) ratio | 8.8694% | 5,112 |
| Tier 1 risk-based capital ratio | 11.2581% | 5,683 |
| Total risk-based capital ratio | 13.3775% | 5,066 |
| Memoranda: | ||
| Average total assets | $24,992,745,000 | 62 |
| Average earning assets | $21,958,974,000 | 62 |
| Average equity | $2,976,447,500 | 56 |
| Average total loans | $15,395,827,500 | 61 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1335% | 3,189 |
| Cost of funding earning assets | 0.3310% | 4,481 |
| Net interest margin | 3.8025% | 2,616 |
| Noninterest income to average assets | 1.0709% | 1,057 |
| Noninterest expense to average assets | 2.6802% | 3,939 |
| Loan and lease loss provision to assets | 0.2136% | 1,166 |
| Net operating income to assets | 1.0459% | 2,186 |
| Return on assets (ROA) | 1.0464% | 2,253 |
| Pretax return on assets | 1.5028% | 1,533 |
| Return on Equity (ROE) | 9.0138% | 2,573 |
| Retained earnings to average equity (ytd only) | 6.1414% | 1,837 |
| Net charge-offs to loans | 0.3553% | 1,227 |
| Credit loss provision to net charge-offs | 99.0114% | 2,451 |
| Earnings coverage of net charge-offs (x) | 7.9518% | 2,949 |
| Efficiency ratio | 59.8787% | 5,239 |
| Assets per employee ($millions) | 5.8238% | 1,507 |
| Cash dividends to net income (ytd only)* | 31.8673% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9378% | 5,342 |
| Loan loss allowance to noncurrent loans | 71.7174% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 1.0894% | 2,572 |
| Noncurrent loans to loans | 1.3077% | 2,257 |
| Net loans and leases to total assets | 60.9752% | 3,641 |
| Net loans and leases to deposits | 77.2004% | 3,059 |
| Net loans and leases to core deposits | 80.2485% | 3,271 |
| Total domestic deposits to total assets | 78.9831% | 5,253 |
| Equity capital to assets | 11.7856% | 2,186 |
| Core capital (leverage) ratio | 8.9424% | 5,074 |
| Tier 1 risk-based capital ratio | 12.2246% | 5,211 |
| Total risk-based capital ratio | 14.4910% | 4,488 |
| Memoranda: | ||
| Average total assets | $24,470,706,600 | 58 |
| Average earning assets | $21,399,015,400 | 60 |
| Average equity | $2,840,767,600 | 57 |
| Average total loans | $14,859,284,200 | 59 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1506% | 3,166 |
| Cost of funding earning assets | 0.3069% | 4,824 |
| Net interest margin | 3.8437% | 2,461 |
| Noninterest income to average assets | 1.0567% | 1,100 |
| Noninterest expense to average assets | 2.7010% | 3,820 |
| Loan and lease loss provision to assets | 0.2133% | 1,078 |
| Net operating income to assets | 1.0369% | 2,294 |
| Return on assets (ROA) | 1.0374% | 2,351 |
| Pretax return on assets | 1.5014% | 1,642 |
| Return on Equity (ROE) | 8.9716% | 2,698 |
| Retained earnings to average equity (ytd only) | 5.6924% | 2,614 |
| Net charge-offs to loans | 0.3978% | 998 |
| Credit loss provision to net charge-offs | 88.6153% | 2,460 |
| Earnings coverage of net charge-offs (x) | 7.1206% | 2,976 |
| Efficiency ratio | 60.0881% | 5,168 |
| Assets per employee ($millions) | 5.7158% | 1,549 |
| Cash dividends to net income (ytd only)* | 36.5502% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9197% | 5,539 |
| Loan loss allowance to noncurrent loans | 61.8847% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 1.2294% | 2,501 |
| Noncurrent loans to loans | 1.4862% | 2,188 |
| Net loans and leases to total assets | 61.3712% | 3,577 |
| Net loans and leases to deposits | 77.2698% | 3,031 |
| Net loans and leases to core deposits | 80.0396% | 3,308 |
| Total domestic deposits to total assets | 79.4245% | 5,237 |
| Equity capital to assets | 11.7858% | 2,234 |
| Core capital (leverage) ratio | 8.6414% | 5,507 |
| Tier 1 risk-based capital ratio | 11.7005% | 5,671 |
| Total risk-based capital ratio | 12.5141% | 5,834 |
| Memoranda: | ||
| Average total assets | $24,367,135,000 | 58 |
| Average earning assets | $21,289,284,000 | 61 |
| Average equity | $2,817,747,750 | 59 |
| Average total loans | $14,744,772,500 | 59 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1751% | 3,053 |
| Cost of funding earning assets | 0.3165% | 4,806 |
| Net interest margin | 3.8586% | 2,343 |
| Noninterest income to average assets | 1.0504% | 1,078 |
| Noninterest expense to average assets | 2.7223% | 3,788 |
| Loan and lease loss provision to assets | 0.2452% | 907 |
| Net operating income to assets | 1.0057% | 2,302 |
| Return on assets (ROA) | 1.0064% | 2,363 |
| Pretax return on assets | 1.4485% | 1,718 |
| Return on Equity (ROE) | 8.7601% | 2,710 |
| Retained earnings to average equity (ytd only) | 3.7941% | 3,762 |
| Net charge-offs to loans | 0.4105% | 992 |
| Credit loss provision to net charge-offs | 99.5223% | 2,031 |
| Earnings coverage of net charge-offs (x) | 6.8688% | 2,709 |
| Efficiency ratio | 60.5666% | 5,215 |
| Assets per employee ($millions) | 5.5872% | 1,618 |
| Cash dividends to net income (ytd only)* | 56.6885% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 5,563 |
| Loan loss allowance to noncurrent loans | 55.9071% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 1.3469% | 2,433 |
| Noncurrent loans to loans | 1.6998% | 2,039 |
| Net loans and leases to total assets | 60.3309% | 3,668 |
| Net loans and leases to deposits | 76.2090% | 3,031 |
| Net loans and leases to core deposits | 77.8391% | 3,460 |
| Total domestic deposits to total assets | 79.1651% | 5,425 |
| Equity capital to assets | 11.5653% | 2,361 |
| Core capital (leverage) ratio | 8.9270% | 5,123 |
| Tier 1 risk-based capital ratio | 12.1565% | 5,450 |
| Total risk-based capital ratio | 12.9982% | 5,608 |
| Memoranda: | ||
| Average total assets | $24,293,068,000 | 59 |
| Average earning assets | $21,182,180,330 | 61 |
| Average equity | $2,790,983,670 | 58 |
| Average total loans | $14,582,747,000 | 60 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1873% | 2,920 |
| Cost of funding earning assets | 0.3044% | 5,019 |
| Net interest margin | 3.8829% | 2,146 |
| Noninterest income to average assets | 1.0079% | 1,114 |
| Noninterest expense to average assets | 2.7659% | 3,693 |
| Loan and lease loss provision to assets | 0.2406% | 914 |
| Net operating income to assets | 0.9619% | 2,350 |
| Return on assets (ROA) | 0.9626% | 2,412 |
| Pretax return on assets | 1.3835% | 1,808 |
| Return on Equity (ROE) | 8.4069% | 2,734 |
| Retained earnings to average equity (ytd only) | 3.0157% | 4,303 |
| Net charge-offs to loans | 0.4320% | 845 |
| Credit loss provision to net charge-offs | 93.4671% | 1,771 |
| Earnings coverage of net charge-offs (x) | 6.3066% | 2,236 |
| Efficiency ratio | 61.9102% | 5,132 |
| Assets per employee ($millions) | 5.4139% | 1,791 |
| Cash dividends to net income (ytd only)* | 64.1279% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 5,536 |
| Loan loss allowance to noncurrent loans | 52.4724% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 1.4559% | 2,436 |
| Noncurrent loans to loans | 1.8986% | 2,001 |
| Net loans and leases to total assets | 58.8979% | 3,717 |
| Net loans and leases to deposits | 72.3004% | 3,296 |
| Net loans and leases to core deposits | 74.4528% | 3,596 |
| Total domestic deposits to total assets | 81.4627% | 5,107 |
| Equity capital to assets | 11.3803% | 2,350 |
| Core capital (leverage) ratio | 8.7117% | 5,367 |
| Tier 1 risk-based capital ratio | 12.0881% | 5,579 |
| Total risk-based capital ratio | 12.9712% | 5,744 |
| Memoranda: | ||
| Average total assets | $24,170,186,000 | 59 |
| Average earning assets | $21,046,876,500 | 61 |
| Average equity | $2,767,478,500 | 58 |
| Average total loans | $14,400,855,000 | 58 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6154% | 1,821 |
| Cost of funding earning assets | 0.3673% | 4,986 |
| Net interest margin | 4.2481% | 1,226 |
| Noninterest income to average assets | 1.2066% | 969 |
| Noninterest expense to average assets | 3.3229% | 2,081 |
| Loan and lease loss provision to assets | 0.1658% | 2,208 |
| Net operating income to assets | 0.9961% | 2,337 |
| Return on assets (ROA) | 0.9865% | 2,458 |
| Pretax return on assets | 1.4022% | 1,771 |
| Return on Equity (ROE) | 9.1591% | 2,467 |
| Retained earnings to average equity (ytd only) | 5.5353% | 2,256 |
| Net charge-offs to loans | 0.3676% | 1,843 |
| Credit loss provision to net charge-offs | 74.1628% | 3,194 |
| Earnings coverage of net charge-offs (x) | 7.0760% | 2,919 |
| Efficiency ratio | 66.9071% | 4,385 |
| Assets per employee ($millions) | 5.2219% | 1,937 |
| Cash dividends to net income (ytd only)* | 39.5651% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9919% | 5,612 |
| Loan loss allowance to noncurrent loans | 47.0705% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 1.6112% | 2,302 |
| Noncurrent loans to loans | 2.1072% | 1,876 |
| Net loans and leases to total assets | 59.0820% | 3,861 |
| Net loans and leases to deposits | 71.7056% | 3,566 |
| Net loans and leases to core deposits | 73.8257% | 3,857 |
| Total domestic deposits to total assets | 82.3952% | 4,738 |
| Equity capital to assets | 11.5214% | 2,147 |
| Core capital (leverage) ratio | 8.5790% | 5,569 |
| Tier 1 risk-based capital ratio | 12.1398% | 5,533 |
| Total risk-based capital ratio | 13.0234% | 5,688 |
| Memoranda: | ||
| Average total assets | $20,317,805,200 | 64 |
| Average earning assets | $17,687,095,000 | 67 |
| Average equity | $2,188,306,400 | 68 |
| Average total loans | $12,355,776,200 | 68 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6698% | 1,681 |
| Cost of funding earning assets | 0.3899% | 4,903 |
| Net interest margin | 4.2800% | 1,141 |
| Noninterest income to average assets | 1.2224% | 984 |
| Noninterest expense to average assets | 3.4206% | 1,772 |
| Loan and lease loss provision to assets | 0.1622% | 2,231 |
| Net operating income to assets | 0.9599% | 2,539 |
| Return on assets (ROA) | 0.9465% | 2,719 |
| Pretax return on assets | 1.3508% | 2,122 |
| Return on Equity (ROE) | 8.9801% | 2,644 |
| Retained earnings to average equity (ytd only) | 5.9007% | 2,481 |
| Net charge-offs to loans | 0.3237% | 1,920 |
| Credit loss provision to net charge-offs | 81.9124% | 2,795 |
| Earnings coverage of net charge-offs (x) | 7.7389% | 2,740 |
| Efficiency ratio | 68.2745% | 4,047 |
| Assets per employee ($millions) | 5.1616% | 1,976 |
| Cash dividends to net income (ytd only)* | 34.2908% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 5,659 |
| Loan loss allowance to noncurrent loans | 43.3211% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 1.7566% | 2,331 |
| Noncurrent loans to loans | 2.3373% | 1,879 |
| Net loans and leases to total assets | 58.3864% | 3,945 |
| Net loans and leases to deposits | 71.6709% | 3,553 |
| Net loans and leases to core deposits | 73.9448% | 3,854 |
| Total domestic deposits to total assets | 81.4646% | 5,098 |
| Equity capital to assets | 11.2111% | 2,553 |
| Core capital (leverage) ratio | 8.5027% | 5,769 |
| Tier 1 risk-based capital ratio | 11.9655% | 5,798 |
| Total risk-based capital ratio | 12.8633% | 5,966 |
| Memoranda: | ||
| Average total assets | $19,431,221,000 | 65 |
| Average earning assets | $16,936,187,750 | 67 |
| Average equity | $2,048,013,750 | 70 |
| Average total loans | $11,884,554,250 | 68 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6462% | 1,708 |
| Cost of funding earning assets | 0.4198% | 4,754 |
| Net interest margin | 4.2264% | 1,207 |
| Noninterest income to average assets | 1.2691% | 962 |
| Noninterest expense to average assets | 3.2420% | 2,234 |
| Loan and lease loss provision to assets | 0.1930% | 1,967 |
| Net operating income to assets | 1.0828% | 1,982 |
| Return on assets (ROA) | 1.0605% | 2,191 |
| Pretax return on assets | 1.4982% | 1,624 |
| Return on Equity (ROE) | 10.3583% | 2,059 |
| Retained earnings to average equity (ytd only) | 9.2658% | 1,041 |
| Net charge-offs to loans | 0.3528% | 1,784 |
| Credit loss provision to net charge-offs | 88.0492% | 2,485 |
| Earnings coverage of net charge-offs (x) | 7.8583% | 2,492 |
| Efficiency ratio | 64.6884% | 4,757 |
| Assets per employee ($millions) | 5.0841% | 2,017 |
| Cash dividends to net income (ytd only)* | 10.5471% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 5,631 |
| Loan loss allowance to noncurrent loans | 40.0615% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 1.9490% | 2,224 |
| Noncurrent loans to loans | 2.6191% | 1,747 |
| Net loans and leases to total assets | 59.3207% | 3,774 |
| Net loans and leases to deposits | 72.3695% | 3,403 |
| Net loans and leases to core deposits | 74.6533% | 3,703 |
| Total domestic deposits to total assets | 81.9691% | 5,072 |
| Equity capital to assets | 11.5121% | 2,284 |
| Core capital (leverage) ratio | 8.8653% | 5,199 |
| Tier 1 risk-based capital ratio | 11.9645% | 5,809 |
| Total risk-based capital ratio | 12.9001% | 5,980 |
| Memoranda: | ||
| Average total assets | $17,880,341,000 | 69 |
| Average earning assets | $15,633,885,330 | 70 |
| Average equity | $1,830,665,670 | 74 |
| Average total loans | $11,110,895,330 | 69 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1233% | 3,630 |
| Cost of funding earning assets | 0.4570% | 4,512 |
| Net interest margin | 3.6663% | 3,006 |
| Noninterest income to average assets | 1.2748% | 941 |
| Noninterest expense to average assets | 2.7760% | 3,780 |
| Loan and lease loss provision to assets | 0.2638% | 1,345 |
| Net operating income to assets | 1.0501% | 2,037 |
| Return on assets (ROA) | 1.0499% | 2,147 |
| Pretax return on assets | 1.4678% | 1,658 |
| Return on Equity (ROE) | 11.3546% | 1,601 |
| Retained earnings to average equity (ytd only) | 11.3546% | 807 |
| Net charge-offs to loans | 0.4527% | 1,321 |
| Credit loss provision to net charge-offs | 91.2896% | 2,002 |
| Earnings coverage of net charge-offs (x) | 5.9923% | 2,292 |
| Efficiency ratio | 61.3950% | 5,393 |
| Assets per employee ($millions) | 5.5136% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5299% | 3,701 |
| Loan loss allowance to noncurrent loans | 44.8065% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 2.6847% | 1,691 |
| Noncurrent loans to loans | 3.4144% | 1,409 |
| Net loans and leases to total assets | 61.9284% | 3,076 |
| Net loans and leases to deposits | 76.2345% | 2,601 |
| Net loans and leases to core deposits | 78.7823% | 2,959 |
| Total domestic deposits to total assets | 81.2340% | 5,436 |
| Equity capital to assets | 9.2494% | 5,201 |
| Core capital (leverage) ratio | 7.4274% | 6,494 |
| Tier 1 risk-based capital ratio | 10.1189% | 6,669 |
| Total risk-based capital ratio | 11.3233% | 6,667 |
| Memoranda: | ||
| Average total assets | $15,078,839,000 | 79 |
| Average earning assets | $13,296,993,500 | 82 |
| Average equity | $1,394,289,500 | 103 |
| Average total loans | $9,627,249,000 | 81 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4835% | 3,470 |
| Cost of funding earning assets | 0.5025% | 5,202 |
| Net interest margin | 3.9810% | 2,475 |
| Noninterest income to average assets | 1.2131% | 1,065 |
| Noninterest expense to average assets | 3.0292% | 3,168 |
| Loan and lease loss provision to assets | 0.3737% | 1,753 |
| Net operating income to assets | 0.9331% | 2,630 |
| Return on assets (ROA) | 0.9517% | 2,790 |
| Pretax return on assets | 1.3176% | 2,333 |
| Return on Equity (ROE) | 9.9066% | 2,213 |
| Retained earnings to average equity (ytd only) | -0.9392% | 6,007 |
| Net charge-offs to loans | 0.7683% | 1,525 |
| Credit loss provision to net charge-offs | 76.6672% | 3,939 |
| Earnings coverage of net charge-offs (x) | 3.4167% | 3,733 |
| Efficiency ratio | 64.2531% | 4,838 |
| Assets per employee ($millions) | 5.4704% | 1,711 |
| Cash dividends to net income (ytd only)* | 109.4807% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 3,853 |
| Loan loss allowance to noncurrent loans | 42.3402% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 2.7498% | 1,751 |
| Noncurrent loans to loans | 3.4767% | 1,438 |
| Net loans and leases to total assets | 63.8702% | 2,915 |
| Net loans and leases to deposits | 79.9525% | 2,288 |
| Net loans and leases to core deposits | 82.9318% | 2,675 |
| Total domestic deposits to total assets | 79.8851% | 5,695 |
| Equity capital to assets | 9.2439% | 5,216 |
| Core capital (leverage) ratio | 7.2908% | 6,589 |
| Tier 1 risk-based capital ratio | 9.7260% | 6,764 |
| Total risk-based capital ratio | 10.9314% | 6,754 |
| Memoranda: | ||
| Average total assets | $14,636,716,800 | 80 |
| Average earning assets | $12,800,552,400 | 81 |
| Average equity | $1,406,078,400 | 99 |
| Average total loans | $9,286,298,200 | 82 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5371% | 3,483 |
| Cost of funding earning assets | 0.5100% | 5,378 |
| Net interest margin | 4.0271% | 2,390 |
| Noninterest income to average assets | 1.1712% | 1,107 |
| Noninterest expense to average assets | 3.0515% | 3,053 |
| Loan and lease loss provision to assets | 0.3883% | 1,660 |
| Net operating income to assets | 0.9014% | 2,978 |
| Return on assets (ROA) | 0.9104% | 3,163 |
| Pretax return on assets | 1.2628% | 2,738 |
| Return on Equity (ROE) | 9.3858% | 2,642 |
| Retained earnings to average equity (ytd only) | 6.0838% | 2,645 |
| Net charge-offs to loans | 0.8204% | 1,336 |
| Credit loss provision to net charge-offs | 75.0194% | 3,768 |
| Earnings coverage of net charge-offs (x) | 3.1657% | 3,763 |
| Efficiency ratio | 64.7841% | 4,661 |
| Assets per employee ($millions) | 5.3468% | 1,786 |
| Cash dividends to net income (ytd only)* | 35.1812% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 3,859 |
| Loan loss allowance to noncurrent loans | 39.9926% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 2.9258% | 1,793 |
| Noncurrent loans to loans | 3.8026% | 1,389 |
| Net loans and leases to total assets | 63.1871% | 3,175 |
| Net loans and leases to deposits | 79.7548% | 2,428 |
| Net loans and leases to core deposits | 82.8829% | 2,845 |
| Total domestic deposits to total assets | 79.2267% | 5,819 |
| Equity capital to assets | 9.9601% | 4,553 |
| Core capital (leverage) ratio | 7.8080% | 6,464 |
| Tier 1 risk-based capital ratio | 10.7698% | 6,577 |
| Total risk-based capital ratio | 11.9754% | 6,580 |
| Memoranda: | ||
| Average total assets | $14,570,541,750 | 79 |
| Average earning assets | $12,732,261,250 | 81 |
| Average equity | $1,413,230,250 | 99 |
| Average total loans | $9,192,933,250 | 83 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5617% | 3,521 |
| Cost of funding earning assets | 0.5107% | 5,549 |
| Net interest margin | 4.0510% | 2,292 |
| Noninterest income to average assets | 1.1407% | 1,095 |
| Noninterest expense to average assets | 3.1190% | 2,863 |
| Loan and lease loss provision to assets | 0.3608% | 1,832 |
| Net operating income to assets | 0.8628% | 3,072 |
| Return on assets (ROA) | 0.8708% | 3,301 |
| Pretax return on assets | 1.2089% | 2,882 |
| Return on Equity (ROE) | 9.0596% | 2,791 |
| Retained earnings to average equity (ytd only) | 6.5581% | 2,355 |
| Net charge-offs to loans | 0.7673% | 1,434 |
| Credit loss provision to net charge-offs | 74.9600% | 3,459 |
| Earnings coverage of net charge-offs (x) | 3.2378% | 3,445 |
| Efficiency ratio | 66.3957% | 4,465 |
| Assets per employee ($millions) | 5.2355% | 1,880 |
| Cash dividends to net income (ytd only)* | 27.6117% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5859% | 3,653 |
| Loan loss allowance to noncurrent loans | 42.4441% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 2.8463% | 1,935 |
| Noncurrent loans to loans | 3.7364% | 1,511 |
| Net loans and leases to total assets | 62.2280% | 3,381 |
| Net loans and leases to deposits | 77.9450% | 2,679 |
| Net loans and leases to core deposits | 80.9209% | 3,097 |
| Total domestic deposits to total assets | 79.8358% | 5,781 |
| Equity capital to assets | 9.7966% | 4,635 |
| Core capital (leverage) ratio | 7.7664% | 6,470 |
| Tier 1 risk-based capital ratio | 10.7718% | 6,592 |
| Total risk-based capital ratio | 11.9784% | 6,592 |
| Memoranda: | ||
| Average total assets | $14,556,431,000 | 79 |
| Average earning assets | $12,708,906,330 | 80 |
| Average equity | $1,399,152,330 | 99 |
| Average total loans | $9,131,897,000 | 84 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5865% | 3,572 |
| Cost of funding earning assets | 0.5173% | 5,705 |
| Net interest margin | 4.0692% | 2,216 |
| Noninterest income to average assets | 1.0960% | 1,190 |
| Noninterest expense to average assets | 3.0539% | 3,068 |
| Loan and lease loss provision to assets | 0.3872% | 1,626 |
| Net operating income to assets | 0.8541% | 3,135 |
| Return on assets (ROA) | 0.8592% | 3,344 |
| Pretax return on assets | 1.2124% | 2,874 |
| Return on Equity (ROE) | 9.0259% | 2,816 |
| Retained earnings to average equity (ytd only) | 3.9662% | 4,205 |
| Net charge-offs to loans | 0.7997% | 1,286 |
| Credit loss provision to net charge-offs | 77.4798% | 2,775 |
| Earnings coverage of net charge-offs (x) | 3.1865% | 2,928 |
| Efficiency ratio | 65.4417% | 4,662 |
| Assets per employee ($millions) | 4.8872% | 2,411 |
| Cash dividends to net income (ytd only)* | 56.0574% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5910% | 3,759 |
| Loan loss allowance to noncurrent loans | 40.7137% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 2.9181% | 1,982 |
| Noncurrent loans to loans | 3.9078% | 1,577 |
| Net loans and leases to total assets | 61.1860% | 3,414 |
| Net loans and leases to deposits | 76.5300% | 2,723 |
| Net loans and leases to core deposits | 79.5672% | 3,110 |
| Total domestic deposits to total assets | 79.9503% | 5,863 |
| Equity capital to assets | 9.5125% | 4,788 |
| Core capital (leverage) ratio | 7.5031% | 6,630 |
| Tier 1 risk-based capital ratio | 10.7067% | 6,668 |
| Total risk-based capital ratio | 11.9131% | 6,669 |
| Memoranda: | ||
| Average total assets | $14,533,704,000 | 79 |
| Average earning assets | $12,680,292,500 | 80 |
| Average equity | $1,383,486,000 | 100 |
| Average total loans | $9,081,400,500 | 83 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8724% | 3,486 |
| Cost of funding earning assets | 0.6580% | 5,778 |
| Net interest margin | 4.2144% | 2,011 |
| Noninterest income to average assets | 1.1201% | 1,055 |
| Noninterest expense to average assets | 3.1369% | 3,078 |
| Loan and lease loss provision to assets | 0.5166% | 2,036 |
| Net operating income to assets | 0.7945% | 3,062 |
| Return on assets (ROA) | 0.8500% | 2,972 |
| Pretax return on assets | 1.1733% | 2,561 |
| Return on Equity (ROE) | 9.0690% | 2,415 |
| Retained earnings to average equity (ytd only) | 3.8821% | 3,449 |
| Net charge-offs to loans | 1.1302% | 1,512 |
| Credit loss provision to net charge-offs | 73.4785% | 4,717 |
| Earnings coverage of net charge-offs (x) | 2.2941% | 4,074 |
| Efficiency ratio | 65.7234% | 4,827 |
| Assets per employee ($millions) | 4.7782% | 2,478 |
| Cash dividends to net income (ytd only)* | 57.1937% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5910% | 3,624 |
| Loan loss allowance to noncurrent loans | 38.7492% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 3.0706% | 1,952 |
| Noncurrent loans to loans | 4.1059% | 1,509 |
| Net loans and leases to total assets | 61.8007% | 3,640 |
| Net loans and leases to deposits | 77.5120% | 2,917 |
| Net loans and leases to core deposits | 80.8210% | 3,340 |
| Total domestic deposits to total assets | 79.7305% | 5,811 |
| Equity capital to assets | 9.5259% | 4,844 |
| Core capital (leverage) ratio | 7.3490% | 6,725 |
| Tier 1 risk-based capital ratio | 10.6156% | 6,636 |
| Total risk-based capital ratio | 11.8230% | 6,632 |
| Memoranda: | ||
| Average total assets | $14,399,719,800 | 76 |
| Average earning assets | $12,402,325,800 | 79 |
| Average equity | $1,349,547,400 | 97 |
| Average total loans | $8,958,512,200 | 82 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9118% | 3,504 |
| Cost of funding earning assets | 0.6962% | 5,794 |
| Net interest margin | 4.2156% | 2,040 |
| Noninterest income to average assets | 1.1184% | 1,064 |
| Noninterest expense to average assets | 3.0548% | 3,330 |
| Loan and lease loss provision to assets | 0.5497% | 1,789 |
| Net operating income to assets | 0.8103% | 3,111 |
| Return on assets (ROA) | 0.8451% | 3,108 |
| Pretax return on assets | 1.1876% | 2,673 |
| Return on Equity (ROE) | 9.0547% | 2,573 |
| Retained earnings to average equity (ytd only) | 3.8447% | 3,992 |
| Net charge-offs to loans | 1.1200% | 1,414 |
| Credit loss provision to net charge-offs | 79.0729% | 4,166 |
| Earnings coverage of net charge-offs (x) | 2.4285% | 3,908 |
| Efficiency ratio | 64.0880% | 5,048 |
| Assets per employee ($millions) | 4.8644% | 2,381 |
| Cash dividends to net income (ytd only)* | 57.5399% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5810% | 3,753 |
| Loan loss allowance to noncurrent loans | 35.9747% | 5,901 |
| Noncurrent assets plus other real estate owned to assets | 3.2762% | 1,935 |
| Noncurrent loans to loans | 4.3947% | 1,481 |
| Net loans and leases to total assets | 60.9976% | 3,943 |
| Net loans and leases to deposits | 78.0743% | 2,970 |
| Net loans and leases to core deposits | 81.7169% | 3,365 |
| Total domestic deposits to total assets | 78.1276% | 6,168 |
| Equity capital to assets | 9.3919% | 5,249 |
| Core capital (leverage) ratio | 7.2564% | 6,881 |
| Tier 1 risk-based capital ratio | 10.1710% | 6,905 |
| Total risk-based capital ratio | 11.3801% | 6,908 |
| Memoranda: | ||
| Average total assets | $14,394,507,250 | 76 |
| Average earning assets | $12,376,463,250 | 79 |
| Average equity | $1,343,513,000 | 98 |
| Average total loans | $8,934,115,750 | 82 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9522% | 3,393 |
| Cost of funding earning assets | 0.7221% | 5,824 |
| Net interest margin | 4.2300% | 1,920 |
| Noninterest income to average assets | 1.0740% | 1,133 |
| Noninterest expense to average assets | 3.0406% | 3,476 |
| Loan and lease loss provision to assets | 0.5589% | 1,732 |
| Net operating income to assets | 0.8268% | 2,957 |
| Return on assets (ROA) | 0.8359% | 3,030 |
| Pretax return on assets | 1.1495% | 2,671 |
| Return on Equity (ROE) | 8.9747% | 2,526 |
| Retained earnings to average equity (ytd only) | 3.7197% | 3,848 |
| Net charge-offs to loans | 1.0966% | 1,438 |
| Credit loss provision to net charge-offs | 82.0790% | 3,707 |
| Earnings coverage of net charge-offs (x) | 2.4906% | 3,579 |
| Efficiency ratio | 63.8732% | 5,261 |
| Assets per employee ($millions) | 4.7320% | 2,500 |
| Cash dividends to net income (ytd only)* | 58.5539% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 3,708 |
| Loan loss allowance to noncurrent loans | 35.1343% | 5,963 |
| Noncurrent assets plus other real estate owned to assets | 3.4019% | 1,941 |
| Noncurrent loans to loans | 4.5393% | 1,450 |
| Net loans and leases to total assets | 61.3677% | 4,015 |
| Net loans and leases to deposits | 77.0467% | 3,289 |
| Net loans and leases to core deposits | 81.0742% | 3,644 |
| Total domestic deposits to total assets | 79.6500% | 5,912 |
| Equity capital to assets | 9.4779% | 4,842 |
| Core capital (leverage) ratio | 7.1874% | 6,927 |
| Tier 1 risk-based capital ratio | 10.6219% | 6,746 |
| Total risk-based capital ratio | 11.8298% | 6,757 |
| Memoranda: | ||
| Average total assets | $14,302,366,330 | 79 |
| Average earning assets | $12,383,665,670 | 80 |
| Average equity | $1,332,059,670 | 101 |
| Average total loans | $8,881,266,000 | 84 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9586% | 3,292 |
| Cost of funding earning assets | 0.7703% | 5,749 |
| Net interest margin | 4.1883% | 1,927 |
| Noninterest income to average assets | 1.1674% | 948 |
| Noninterest expense to average assets | 3.0711% | 3,380 |
| Loan and lease loss provision to assets | 0.6257% | 1,378 |
| Net operating income to assets | 0.8394% | 2,829 |
| Return on assets (ROA) | 0.8394% | 2,890 |
| Pretax return on assets | 1.0973% | 2,766 |
| Return on Equity (ROE) | 9.0933% | 2,442 |
| Retained earnings to average equity (ytd only) | 3.7866% | 3,904 |
| Net charge-offs to loans | 1.0326% | 1,324 |
| Credit loss provision to net charge-offs | 97.7905% | 2,794 |
| Earnings coverage of net charge-offs (x) | 2.6930% | 3,000 |
| Efficiency ratio | 63.7470% | 5,403 |
| Assets per employee ($millions) | 4.7300% | 2,520 |
| Cash dividends to net income (ytd only)* | 58.3586% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6274% | 3,620 |
| Loan loss allowance to noncurrent loans | 35.8715% | 5,907 |
| Noncurrent assets plus other real estate owned to assets | 3.3244% | 2,049 |
| Noncurrent loans to loans | 4.5368% | 1,536 |
| Net loans and leases to total assets | 59.8221% | 4,303 |
| Net loans and leases to deposits | 75.7789% | 3,455 |
| Net loans and leases to core deposits | 78.5405% | 3,945 |
| Total domestic deposits to total assets | 78.9430% | 6,202 |
| Equity capital to assets | 9.1810% | 4,900 |
| Core capital (leverage) ratio | 7.1891% | 6,919 |
| Tier 1 risk-based capital ratio | 10.7525% | 6,662 |
| Total risk-based capital ratio | 11.9601% | 6,672 |
| Memoranda: | ||
| Average total assets | $14,289,347,500 | 78 |
| Average earning assets | $12,373,641,000 | 81 |
| Average equity | $1,319,077,000 | 102 |
| Average total loans | $8,854,137,000 | 84 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9097% | 4,980 |
| Cost of funding earning assets | 0.9455% | 5,957 |
| Net interest margin | 3.9642% | 3,184 |
| Noninterest income to average assets | 1.5680% | 598 |
| Noninterest expense to average assets | 3.2768% | 2,808 |
| Loan and lease loss provision to assets | 0.6701% | 2,466 |
| Net operating income to assets | 0.8032% | 2,788 |
| Return on assets (ROA) | 0.8080% | 2,899 |
| Pretax return on assets | 1.0967% | 2,588 |
| Return on Equity (ROE) | 9.4404% | 2,133 |
| Retained earnings to average equity (ytd only) | 7.6647% | 1,095 |
| Net charge-offs to loans | 1.0200% | 2,153 |
| Credit loss provision to net charge-offs | 104.7478% | 4,284 |
| Earnings coverage of net charge-offs (x) | 2.7516% | 3,703 |
| Efficiency ratio | 64.6165% | 5,242 |
| Assets per employee ($millions) | 4.6187% | 2,668 |
| Cash dividends to net income (ytd only)* | 18.8094% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4396% | 4,329 |
| Loan loss allowance to noncurrent loans | 54.5705% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 2.1214% | 3,189 |
| Noncurrent loans to loans | 2.6380% | 2,882 |
| Net loans and leases to total assets | 62.2326% | 4,235 |
| Net loans and leases to deposits | 77.8961% | 3,527 |
| Net loans and leases to core deposits | 82.5013% | 3,817 |
| Total domestic deposits to total assets | 79.8919% | 5,863 |
| Equity capital to assets | 9.2826% | 4,706 |
| Core capital (leverage) ratio | 6.7751% | 7,121 |
| Tier 1 risk-based capital ratio | 10.3879% | 6,766 |
| Total risk-based capital ratio | 11.5939% | 6,774 |
| Memoranda: | ||
| Average total assets | $13,159,277,400 | 86 |
| Average earning assets | $11,516,109,000 | 89 |
| Average equity | $1,126,327,600 | 112 |
| Average total loans | $8,253,447,600 | 85 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6207% | 6,283 |
| Cost of funding earning assets | 0.8008% | 6,760 |
| Net interest margin | 3.8199% | 3,885 |
| Noninterest income to average assets | 1.6290% | 529 |
| Noninterest expense to average assets | 3.2326% | 2,808 |
| Loan and lease loss provision to assets | 0.6688% | 2,288 |
| Net operating income to assets | 0.7934% | 3,029 |
| Return on assets (ROA) | 0.7987% | 3,164 |
| Pretax return on assets | 1.0896% | 2,858 |
| Return on Equity (ROE) | 9.5527% | 2,302 |
| Retained earnings to average equity (ytd only) | 9.5527% | 900 |
| Net charge-offs to loans | 1.0309% | 1,957 |
| Credit loss provision to net charge-offs | 103.6351% | 4,136 |
| Earnings coverage of net charge-offs (x) | 2.7132% | 3,790 |
| Efficiency ratio | 64.4681% | 5,164 |
| Assets per employee ($millions) | 4.6359% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3397% | 4,755 |
| Loan loss allowance to noncurrent loans | 71.2584% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.5274% | 4,157 |
| Noncurrent loans to loans | 1.8801% | 3,828 |
| Net loans and leases to total assets | 61.5943% | 4,615 |
| Net loans and leases to deposits | 77.9003% | 3,845 |
| Net loans and leases to core deposits | 83.3565% | 4,043 |
| Total domestic deposits to total assets | 79.0681% | 6,005 |
| Equity capital to assets | 9.2197% | 5,281 |
| Core capital (leverage) ratio | 6.7791% | 7,260 |
| Tier 1 risk-based capital ratio | 10.5247% | 6,756 |
| Total risk-based capital ratio | 11.7311% | 6,778 |
| Memoranda: | ||
| Average total assets | $12,918,121,500 | 85 |
| Average earning assets | $11,344,681,250 | 89 |
| Average equity | $1,080,143,500 | 116 |
| Average total loans | $8,087,296,000 | 86 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5854% | 6,501 |
| Cost of funding earning assets | 0.7884% | 6,952 |
| Net interest margin | 3.7970% | 3,904 |
| Noninterest income to average assets | 1.7045% | 453 |
| Noninterest expense to average assets | 3.1738% | 2,996 |
| Loan and lease loss provision to assets | 0.7409% | 1,955 |
| Net operating income to assets | 0.8601% | 2,693 |
| Return on assets (ROA) | 0.8679% | 2,798 |
| Pretax return on assets | 1.1553% | 2,566 |
| Return on Equity (ROE) | 10.8063% | 1,815 |
| Retained earnings to average equity (ytd only) | 10.8063% | 690 |
| Net charge-offs to loans | 1.1045% | 1,713 |
| Credit loss provision to net charge-offs | 107.0399% | 3,813 |
| Earnings coverage of net charge-offs (x) | 2.7244% | 3,633 |
| Efficiency ratio | 62.4442% | 5,618 |
| Assets per employee ($millions) | 4.6865% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 4,909 |
| Loan loss allowance to noncurrent loans | 87.5649% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 1.3542% | 4,457 |
| Noncurrent loans to loans | 1.4865% | 4,473 |
| Net loans and leases to total assets | 61.8487% | 4,716 |
| Net loans and leases to deposits | 77.7590% | 4,031 |
| Net loans and leases to core deposits | 84.6242% | 4,053 |
| Total domestic deposits to total assets | 79.5389% | 5,881 |
| Equity capital to assets | 8.9468% | 5,528 |
| Core capital (leverage) ratio | 7.1135% | 7,119 |
| Tier 1 risk-based capital ratio | 10.1062% | 6,966 |
| Total risk-based capital ratio | 11.3133% | 6,968 |
| Memoranda: | ||
| Average total assets | $12,444,529,670 | 85 |
| Average earning assets | $10,996,093,670 | 87 |
| Average equity | $999,524,000 | 117 |
| Average total loans | $7,799,104,330 | 91 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3888% | 7,011 |
| Cost of funding earning assets | 0.8201% | 7,026 |
| Net interest margin | 3.5687% | 4,860 |
| Noninterest income to average assets | 1.8782% | 370 |
| Noninterest expense to average assets | 3.2755% | 2,611 |
| Loan and lease loss provision to assets | 0.8927% | 1,424 |
| Net operating income to assets | 0.7288% | 3,315 |
| Return on assets (ROA) | 0.7288% | 3,422 |
| Pretax return on assets | 0.9055% | 3,450 |
| Return on Equity (ROE) | 9.7819% | 2,176 |
| Retained earnings to average equity (ytd only) | 9.7819% | 1,190 |
| Net charge-offs to loans | 1.2737% | 1,341 |
| Credit loss provision to net charge-offs | 111.8169% | 3,095 |
| Earnings coverage of net charge-offs (x) | 2.2524% | 3,413 |
| Efficiency ratio | 64.4012% | 5,410 |
| Assets per employee ($millions) | 4.5195% | 2,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5976% | 3,454 |
| Loan loss allowance to noncurrent loans | 89.3758% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 1.2552% | 4,666 |
| Noncurrent loans to loans | 1.7875% | 4,067 |
| Net loans and leases to total assets | 58.9453% | 5,292 |
| Net loans and leases to deposits | 76.7967% | 4,260 |
| Net loans and leases to core deposits | 82.4878% | 4,418 |
| Total domestic deposits to total assets | 76.7550% | 6,610 |
| Equity capital to assets | 7.0234% | 7,358 |
| Core capital (leverage) ratio | 7.0938% | 7,181 |
| Tier 1 risk-based capital ratio | 9.3546% | 7,372 |
| Total risk-based capital ratio | 10.5596% | 7,386 |
| Memoranda: | ||
| Average total assets | $11,414,453,500 | 91 |
| Average earning assets | $10,220,636,500 | 95 |
| Average equity | $850,432,000 | 127 |
| Average total loans | $7,154,025,500 | 94 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7817% | 6,987 |
| Cost of funding earning assets | 1.1213% | 6,909 |
| Net interest margin | 3.6604% | 4,308 |
| Noninterest income to average assets | 1.8491% | 436 |
| Noninterest expense to average assets | 3.2431% | 3,216 |
| Loan and lease loss provision to assets | 0.9121% | 2,468 |
| Net operating income to assets | 0.7405% | 2,769 |
| Return on assets (ROA) | 0.7830% | 2,686 |
| Pretax return on assets | 1.0363% | 2,471 |
| Return on Equity (ROE) | 10.5252% | 1,542 |
| Retained earnings to average equity (ytd only) | 6.9772% | 965 |
| Net charge-offs to loans | 1.2118% | 2,032 |
| Credit loss provision to net charge-offs | 113.0751% | 4,847 |
| Earnings coverage of net charge-offs (x) | 2.3462% | 3,970 |
| Efficiency ratio | 63.0877% | 5,952 |
| Assets per employee ($millions) | 4.2174% | 3,403 |
| Cash dividends to net income (ytd only)* | 33.7103% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6592% | 3,049 |
| Loan loss allowance to noncurrent loans | 91.0949% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 1.2893% | 4,503 |
| Noncurrent loans to loans | 1.8214% | 3,896 |
| Net loans and leases to total assets | 64.8245% | 4,409 |
| Net loans and leases to deposits | 90.3976% | 2,160 |
| Net loans and leases to core deposits | 94.9571% | 4,571 |
| Total domestic deposits to total assets | 71.7103% | 7,270 |
| Equity capital to assets | 7.9500% | 6,631 |
| Core capital (leverage) ratio | 8.0042% | 6,184 |
| Tier 1 risk-based capital ratio | 10.3116% | 6,578 |
| Total risk-based capital ratio | 11.5143% | 6,597 |
| Memoranda: | ||
| Average total assets | $10,798,089,600 | 99 |
| Average earning assets | $9,694,840,800 | 99 |
| Average equity | $803,250,000 | 128 |
| Average total loans | $7,187,324,000 | 99 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8129% | 7,097 |
| Cost of funding earning assets | 1.1791% | 6,950 |
| Net interest margin | 3.6338% | 4,356 |
| Noninterest income to average assets | 1.8411% | 439 |
| Noninterest expense to average assets | 3.1441% | 3,485 |
| Loan and lease loss provision to assets | 0.8402% | 2,278 |
| Net operating income to assets | 0.8247% | 2,712 |
| Return on assets (ROA) | 0.8620% | 2,631 |
| Pretax return on assets | 1.1699% | 2,356 |
| Return on Equity (ROE) | 11.7834% | 1,424 |
| Retained earnings to average equity (ytd only) | 7.0032% | 1,506 |
| Net charge-offs to loans | 1.0276% | 1,921 |
| Credit loss provision to net charge-offs | 122.5531% | 4,132 |
| Earnings coverage of net charge-offs (x) | 2.8586% | 3,792 |
| Efficiency ratio | 61.5397% | 6,184 |
| Assets per employee ($millions) | 4.2607% | 3,272 |
| Cash dividends to net income (ytd only)* | 40.5671% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6524% | 2,799 |
| Loan loss allowance to noncurrent loans | 109.8687% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 1.0786% | 4,918 |
| Noncurrent loans to loans | 1.5040% | 4,405 |
| Net loans and leases to total assets | 64.4136% | 4,770 |
| Net loans and leases to deposits | 94.7768% | 1,752 |
| Net loans and leases to core deposits | 101.5607% | 4,208 |
| Total domestic deposits to total assets | 67.9635% | 7,575 |
| Equity capital to assets | 7.8088% | 7,033 |
| Core capital (leverage) ratio | 7.7683% | 6,646 |
| Tier 1 risk-based capital ratio | 9.8102% | 7,131 |
| Total risk-based capital ratio | 11.0143% | 7,139 |
| Memoranda: | ||
| Average total assets | $10,867,024,000 | 104 |
| Average earning assets | $9,757,283,750 | 103 |
| Average equity | $794,931,500 | 134 |
| Average total loans | $7,250,120,250 | 101 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8330% | 7,162 |
| Cost of funding earning assets | 1.2311% | 7,017 |
| Net interest margin | 3.6019% | 4,352 |
| Noninterest income to average assets | 1.8824% | 413 |
| Noninterest expense to average assets | 3.1648% | 3,455 |
| Loan and lease loss provision to assets | 0.8176% | 2,045 |
| Net operating income to assets | 0.8545% | 2,635 |
| Return on assets (ROA) | 0.8707% | 2,679 |
| Pretax return on assets | 1.1668% | 2,405 |
| Return on Equity (ROE) | 12.1721% | 1,365 |
| Retained earnings to average equity (ytd only) | 8.7115% | 1,005 |
| Net charge-offs to loans | 1.0141% | 1,749 |
| Credit loss provision to net charge-offs | 120.1239% | 3,867 |
| Earnings coverage of net charge-offs (x) | 2.8837% | 3,657 |
| Efficiency ratio | 61.6595% | 6,288 |
| Assets per employee ($millions) | 4.2069% | 3,289 |
| Cash dividends to net income (ytd only)* | 28.4306% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5522% | 2,943 |
| Loan loss allowance to noncurrent loans | 131.8468% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.8813% | 5,229 |
| Noncurrent loans to loans | 1.1773% | 4,865 |
| Net loans and leases to total assets | 65.9801% | 4,566 |
| Net loans and leases to deposits | 94.1503% | 2,068 |
| Net loans and leases to core deposits | 101.8641% | 4,292 |
| Total domestic deposits to total assets | 70.0795% | 7,465 |
| Equity capital to assets | 7.5242% | 7,241 |
| Core capital (leverage) ratio | 7.5029% | 7,009 |
| Tier 1 risk-based capital ratio | 9.7678% | 7,169 |
| Total risk-based capital ratio | 10.9747% | 7,152 |
| Memoranda: | ||
| Average total assets | $10,907,514,000 | 108 |
| Average earning assets | $9,827,339,670 | 107 |
| Average equity | $780,209,670 | 138 |
| Average total loans | $7,320,861,670 | 106 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8524% | 7,284 |
| Cost of funding earning assets | 1.2881% | 7,054 |
| Net interest margin | 3.5642% | 4,470 |
| Noninterest income to average assets | 1.9620% | 379 |
| Noninterest expense to average assets | 3.0011% | 3,762 |
| Loan and lease loss provision to assets | 0.6561% | 1,928 |
| Net operating income to assets | 1.0954% | 1,978 |
| Return on assets (ROA) | 1.0954% | 2,104 |
| Pretax return on assets | 1.5141% | 1,627 |
| Return on Equity (ROE) | 15.7098% | 867 |
| Retained earnings to average equity (ytd only) | 15.7098% | 363 |
| Net charge-offs to loans | 0.8413% | 1,551 |
| Credit loss provision to net charge-offs | 116.1131% | 3,359 |
| Earnings coverage of net charge-offs (x) | 3.8407% | 3,045 |
| Efficiency ratio | 57.9733% | 6,704 |
| Assets per employee ($millions) | 4.2757% | 3,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 3,283 |
| Loan loss allowance to noncurrent loans | 122.3539% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.8475% | 5,074 |
| Noncurrent loans to loans | 1.1779% | 4,622 |
| Net loans and leases to total assets | 66.2992% | 4,516 |
| Net loans and leases to deposits | 92.8745% | 2,459 |
| Net loans and leases to core deposits | 101.9907% | 4,347 |
| Total domestic deposits to total assets | 71.3858% | 7,291 |
| Equity capital to assets | 7.2308% | 7,540 |
| Core capital (leverage) ratio | 7.2604% | 7,415 |
| Tier 1 risk-based capital ratio | 9.4289% | 7,487 |
| Total risk-based capital ratio | 10.6372% | 7,478 |
| Memoranda: | ||
| Average total assets | $11,018,476,000 | 109 |
| Average earning assets | $9,921,110,000 | 107 |
| Average equity | $768,310,000 | 137 |
| Average total loans | $7,400,528,000 | 107 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8377% | 6,308 |
| Cost of funding earning assets | 2.0463% | 6,253 |
| Net interest margin | 3.7914% | 4,059 |
| Noninterest income to average assets | 1.8262% | 406 |
| Noninterest expense to average assets | 3.1123% | 3,647 |
| Loan and lease loss provision to assets | 0.5507% | 2,618 |
| Net operating income to assets | 1.1204% | 2,068 |
| Return on assets (ROA) | 1.1346% | 1,929 |
| Pretax return on assets | 1.5925% | 1,405 |
| Return on Equity (ROE) | 15.8913% | 790 |
| Retained earnings to average equity (ytd only) | 1.8039% | 4,115 |
| Net charge-offs to loans | 0.6766% | 1,820 |
| Credit loss provision to net charge-offs | 119.4406% | 4,506 |
| Earnings coverage of net charge-offs (x) | 4.6048% | 3,925 |
| Efficiency ratio | 59.3427% | 6,465 |
| Assets per employee ($millions) | 4.3039% | 2,952 |
| Cash dividends to net income (ytd only)* | 88.6488% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 3,226 |
| Loan loss allowance to noncurrent loans | 137.0110% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.7309% | 5,036 |
| Noncurrent loans to loans | 1.0183% | 4,549 |
| Net loans and leases to total assets | 66.1263% | 4,823 |
| Net loans and leases to deposits | 96.2587% | 2,406 |
| Net loans and leases to core deposits | 107.8960% | 3,980 |
| Total domestic deposits to total assets | 68.6964% | 7,409 |
| Equity capital to assets | 6.7180% | 7,865 |
| Core capital (leverage) ratio | 7.1817% | 7,542 |
| Tier 1 risk-based capital ratio | 8.9462% | 7,818 |
| Total risk-based capital ratio | 10.5072% | 7,502 |
| Memoranda: | ||
| Average total assets | $10,638,303,000 | 107 |
| Average earning assets | $9,566,334,600 | 107 |
| Average equity | $759,540,000 | 142 |
| Average total loans | $7,249,597,400 | 105 |