Home > JPMorgan Chase Bank > Performance and Condition Ratios
JPMorgan Chase Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1189% | 1,821 |
| Cost of funding earning assets | 1.9710% | 959 |
| Net interest margin | 3.1479% | 2,982 |
| Noninterest income to average assets | 1.7100% | 322 |
| Noninterest expense to average assets | 2.3642% | 2,681 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 1.5003% | 1,018 |
| Return on assets (ROA) | 1.4278% | 1,134 |
| Pretax return on assets | 1.7906% | 901 |
| Return on Equity (ROE) | 15.3700% | 1,215 |
| Retained earnings to average equity (ytd only) | -4.3700% | 4,375 |
| Net charge-offs to loans | 0.4945% | 207 |
| Credit loss provision to net charge-offs | 151.6202% | 1,464 |
| Earnings coverage of net charge-offs (x) | 11.5974% | 2,183 |
| Efficiency ratio | 52.2350% | 3,811 |
| Assets per employee ($millions) | 14.9682% | 213 |
| Cash dividends to net income (ytd only)* | 128.4319% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6780% | 699 |
| Loan loss allowance to noncurrent loans | 235.6013% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.3028% | 1,745 |
| Noncurrent loans to loans | 0.7122% | 1,094 |
| Net loans and leases to total assets | 38.5500% | 4,082 |
| Net loans and leases to deposits | 52.3858% | 3,862 |
| Net loans and leases to core deposits | 72.8667% | 3,132 |
| Total domestic deposits to total assets | 60.0200% | 4,439 |
| Equity capital to assets | 8.8150% | 2,809 |
| Core capital (leverage) ratio | 7.8503% | 4,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3455% | 1,017 |
| Memoranda: | ||
| Average total assets | $3,326,561,400,000 | 1 |
| Average earning assets | $2,964,566,600,000 | 1 |
| Average equity | $309,014,200,000 | 1 |
| Average total loans | $1,248,193,400,000 | 1 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9590% | 1,923 |
| Cost of funding earning assets | 1.8481% | 934 |
| Net interest margin | 3.1109% | 3,121 |
| Noninterest income to average assets | 1.8200% | 316 |
| Noninterest expense to average assets | 2.2669% | 2,896 |
| Loan and lease loss provision to assets | 0.2600% | 385 |
| Net operating income to assets | 1.6400% | 878 |
| Return on assets (ROA) | 1.5666% | 985 |
| Pretax return on assets | 1.9684% | 783 |
| Return on Equity (ROE) | 16.6500% | 1,141 |
| Retained earnings to average equity (ytd only) | 5.5165% | 2,773 |
| Net charge-offs to loans | 0.4357% | 193 |
| Credit loss provision to net charge-offs | 168.6113% | 1,236 |
| Earnings coverage of net charge-offs (x) | 14.3675% | 1,998 |
| Efficiency ratio | 49.2919% | 3,963 |
| Assets per employee ($millions) | 14.9376% | 203 |
| Cash dividends to net income (ytd only)* | 66.8621% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6595% | 774 |
| Loan loss allowance to noncurrent loans | 224.5614% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 1,775 |
| Noncurrent loans to loans | 0.7390% | 1,117 |
| Net loans and leases to total assets | 38.3100% | 4,117 |
| Net loans and leases to deposits | 52.7288% | 3,853 |
| Net loans and leases to core deposits | 71.4895% | 3,132 |
| Total domestic deposits to total assets | 59.6900% | 4,462 |
| Equity capital to assets | 9.3869% | 2,172 |
| Core capital (leverage) ratio | 8.5366% | 4,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4535% | 890 |
| Memoranda: | ||
| Average total assets | $3,309,420,250,000 | 1 |
| Average earning assets | $2,945,871,500,000 | 1 |
| Average equity | $311,448,000,000 | 1 |
| Average total loans | $1,227,478,250,000 | 1 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7678% | 2,067 |
| Cost of funding earning assets | 1.6997% | 883 |
| Net interest margin | 3.0680% | 3,285 |
| Noninterest income to average assets | 1.9000% | 253 |
| Noninterest expense to average assets | 2.2577% | 2,929 |
| Loan and lease loss provision to assets | 0.3100% | 297 |
| Net operating income to assets | 1.6517% | 871 |
| Return on assets (ROA) | 1.5659% | 992 |
| Pretax return on assets | 1.9598% | 789 |
| Return on Equity (ROE) | 16.6200% | 1,161 |
| Retained earnings to average equity (ytd only) | 4.9869% | 2,944 |
| Net charge-offs to loans | 0.4197% | 201 |
| Credit loss provision to net charge-offs | 210.2309% | 1,030 |
| Earnings coverage of net charge-offs (x) | 15.5430% | 1,852 |
| Efficiency ratio | 48.6238% | 4,027 |
| Assets per employee ($millions) | 15.3855% | 181 |
| Cash dividends to net income (ytd only)* | 70.0035% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6753% | 790 |
| Loan loss allowance to noncurrent loans | 230.5807% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.3021% | 1,709 |
| Noncurrent loans to loans | 0.7266% | 1,030 |
| Net loans and leases to total assets | 38.0400% | 4,112 |
| Net loans and leases to deposits | 51.3413% | 3,864 |
| Net loans and leases to core deposits | 68.0243% | 3,234 |
| Total domestic deposits to total assets | 61.1400% | 4,477 |
| Equity capital to assets | 9.3244% | 2,295 |
| Core capital (leverage) ratio | 8.4400% | 4,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1751% | 934 |
| Memoranda: | ||
| Average total assets | $3,284,033,333,333 | 1 |
| Average earning assets | $2,923,430,000,000 | 1 |
| Average equity | $309,330,000,000 | 1 |
| Average total loans | $1,196,979,333,333 | 1 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5497% | 2,190 |
| Cost of funding earning assets | 1.5120% | 825 |
| Net interest margin | 3.0377% | 3,504 |
| Noninterest income to average assets | 1.7900% | 267 |
| Noninterest expense to average assets | 2.2390% | 2,989 |
| Loan and lease loss provision to assets | 0.2800% | 314 |
| Net operating income to assets | 1.5324% | 1,112 |
| Return on assets (ROA) | 1.4484% | 1,260 |
| Pretax return on assets | 1.8634% | 960 |
| Return on Equity (ROE) | 15.3000% | 1,495 |
| Retained earnings to average equity (ytd only) | 2.2383% | 3,662 |
| Net charge-offs to loans | 0.3862% | 208 |
| Credit loss provision to net charge-offs | 180.3085% | 871 |
| Earnings coverage of net charge-offs (x) | 16.4809% | 1,519 |
| Efficiency ratio | 49.8897% | 3,948 |
| Assets per employee ($millions) | 14.7304% | 219 |
| Cash dividends to net income (ytd only)* | 85.3679% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7582% | 713 |
| Loan loss allowance to noncurrent loans | 225.6425% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.2868% | 1,725 |
| Noncurrent loans to loans | 0.7792% | 985 |
| Net loans and leases to total assets | 34.2300% | 4,256 |
| Net loans and leases to deposits | 45.2346% | 4,062 |
| Net loans and leases to core deposits | 59.1245% | 3,580 |
| Total domestic deposits to total assets | 62.5400% | 4,528 |
| Equity capital to assets | 9.4555% | 2,177 |
| Core capital (leverage) ratio | 8.6004% | 4,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4429% | 916 |
| Memoranda: | ||
| Average total assets | $3,234,952,500,000 | 1 |
| Average earning assets | $2,873,243,000,000 | 1 |
| Average equity | $306,310,500,000 | 1 |
| Average total loans | $1,141,293,000,000 | 1 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8446% | 4,287 |
| Cost of funding earning assets | 0.5278% | 1,225 |
| Net interest margin | 2.3167% | 4,417 |
| Noninterest income to average assets | 1.5400% | 337 |
| Noninterest expense to average assets | 2.0551% | 3,429 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 1.0626% | 2,326 |
| Return on assets (ROA) | 1.0297% | 2,400 |
| Pretax return on assets | 1.3162% | 2,030 |
| Return on Equity (ROE) | 11.4500% | 2,321 |
| Retained earnings to average equity (ytd only) | 6.2801% | 2,542 |
| Net charge-offs to loans | 0.2551% | 313 |
| Credit loss provision to net charge-offs | 217.9406% | 1,066 |
| Earnings coverage of net charge-offs (x) | 18.2696% | 1,934 |
| Efficiency ratio | 56.9844% | 3,470 |
| Assets per employee ($millions) | 14.5364% | 221 |
| Cash dividends to net income (ytd only)* | 45.1342% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7233% | 773 |
| Loan loss allowance to noncurrent loans | 230.0619% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.2836% | 1,725 |
| Noncurrent loans to loans | 0.7491% | 1,005 |
| Net loans and leases to total assets | 35.1100% | 4,255 |
| Net loans and leases to deposits | 46.0618% | 4,054 |
| Net loans and leases to core deposits | 59.6582% | 3,526 |
| Total domestic deposits to total assets | 62.9200% | 4,555 |
| Equity capital to assets | 9.4824% | 2,022 |
| Core capital (leverage) ratio | 8.2978% | 4,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0601% | 974 |
| Memoranda: | ||
| Average total assets | $3,335,006,800,000 | 1 |
| Average earning assets | $2,969,634,200,000 | 1 |
| Average equity | $300,026,200,000 | 1 |
| Average total loans | $1,107,648,800,000 | 1 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4275% | 4,489 |
| Cost of funding earning assets | 0.3192% | 1,966 |
| Net interest margin | 2.1083% | 4,510 |
| Noninterest income to average assets | 1.5700% | 342 |
| Noninterest expense to average assets | 2.0243% | 3,416 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 0.9793% | 2,545 |
| Return on assets (ROA) | 0.9343% | 2,708 |
| Pretax return on assets | 1.2074% | 2,338 |
| Return on Equity (ROE) | 10.5200% | 2,563 |
| Retained earnings to average equity (ytd only) | 6.9552% | 2,373 |
| Net charge-offs to loans | 0.2353% | 291 |
| Credit loss provision to net charge-offs | 192.7282% | 995 |
| Earnings coverage of net charge-offs (x) | 18.5792% | 1,754 |
| Efficiency ratio | 58.6153% | 3,314 |
| Assets per employee ($millions) | 15.2804% | 192 |
| Cash dividends to net income (ytd only)* | 33.8926% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6272% | 1,019 |
| Loan loss allowance to noncurrent loans | 211.5819% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.2748% | 1,849 |
| Noncurrent loans to loans | 0.7691% | 1,056 |
| Net loans and leases to total assets | 33.2100% | 4,333 |
| Net loans and leases to deposits | 43.9141% | 4,118 |
| Net loans and leases to core deposits | 56.3051% | 3,613 |
| Total domestic deposits to total assets | 62.8500% | 4,611 |
| Equity capital to assets | 8.9847% | 2,223 |
| Core capital (leverage) ratio | 7.9487% | 4,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4772% | 1,091 |
| Memoranda: | ||
| Average total assets | $3,368,273,000,000 | 1 |
| Average earning assets | $3,004,601,250,000 | 1 |
| Average equity | $299,127,750,000 | 1 |
| Average total loans | $1,098,572,500,000 | 1 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0780% | 4,603 |
| Cost of funding earning assets | 0.1539% | 3,524 |
| Net interest margin | 1.9241% | 4,589 |
| Noninterest income to average assets | 1.5621% | 321 |
| Noninterest expense to average assets | 1.9981% | 3,435 |
| Loan and lease loss provision to assets | 0.1509% | 632 |
| Net operating income to assets | 0.8667% | 2,704 |
| Return on assets (ROA) | 0.8439% | 2,776 |
| Pretax return on assets | 1.1051% | 2,390 |
| Return on Equity (ROE) | 9.5387% | 2,514 |
| Retained earnings to average equity (ytd only) | 6.8698% | 2,029 |
| Net charge-offs to loans | 0.2221% | 291 |
| Credit loss provision to net charge-offs | 212.3660% | 945 |
| Earnings coverage of net charge-offs (x) | 17.9456% | 1,596 |
| Efficiency ratio | 60.8166% | 3,202 |
| Assets per employee ($millions) | 16.0725% | 162 |
| Cash dividends to net income (ytd only)* | 27.9799% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5980% | 1,157 |
| Loan loss allowance to noncurrent loans | 195.3655% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.2846% | 1,880 |
| Noncurrent loans to loans | 0.8179% | 1,052 |
| Net loans and leases to total assets | 32.3250% | 4,390 |
| Net loans and leases to deposits | 42.8783% | 4,162 |
| Net loans and leases to core deposits | 54.4497% | 3,671 |
| Total domestic deposits to total assets | 62.9569% | 4,672 |
| Equity capital to assets | 8.7921% | 2,540 |
| Core capital (leverage) ratio | 7.7319% | 4,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1528% | 1,154 |
| Memoranda: | ||
| Average total assets | $3,388,172,333,333 | 1 |
| Average earning assets | $3,030,543,333,333 | 1 |
| Average equity | $299,748,666,667 | 1 |
| Average total loans | $1,092,407,333,333 | 1 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8937% | 4,641 |
| Cost of funding earning assets | 0.0796% | 4,362 |
| Net interest margin | 1.8141% | 4,612 |
| Noninterest income to average assets | 1.5808% | 333 |
| Noninterest expense to average assets | 2.0247% | 3,374 |
| Loan and lease loss provision to assets | 0.1717% | 450 |
| Net operating income to assets | 0.7897% | 2,697 |
| Return on assets (ROA) | 0.7529% | 2,839 |
| Pretax return on assets | 0.9674% | 2,543 |
| Return on Equity (ROE) | 8.4837% | 2,518 |
| Retained earnings to average equity (ytd only) | 8.4837% | 1,429 |
| Net charge-offs to loans | 0.2046% | 300 |
| Credit loss provision to net charge-offs | 242.5993% | 727 |
| Earnings coverage of net charge-offs (x) | 18.1480% | 1,312 |
| Efficiency ratio | 63.0239% | 3,145 |
| Assets per employee ($millions) | 16.7191% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5892% | 1,303 |
| Loan loss allowance to noncurrent loans | 179.3406% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 1,946 |
| Noncurrent loans to loans | 0.8862% | 1,047 |
| Net loans and leases to total assets | 30.6131% | 4,429 |
| Net loans and leases to deposits | 40.3917% | 4,228 |
| Net loans and leases to core deposits | 51.0604% | 3,799 |
| Total domestic deposits to total assets | 63.3104% | 4,713 |
| Equity capital to assets | 8.6045% | 3,072 |
| Core capital (leverage) ratio | 7.7729% | 4,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8867% | 1,292 |
| Memoranda: | ||
| Average total assets | $3,391,846,500,000 | 1 |
| Average earning assets | $3,046,750,500,000 | 1 |
| Average equity | $301,000,500,000 | 1 |
| Average total loans | $1,083,312,000,000 | 1 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8843% | 4,698 |
| Cost of funding earning assets | 0.0719% | 4,578 |
| Net interest margin | 1.8124% | 4,663 |
| Noninterest income to average assets | 1.6440% | 419 |
| Noninterest expense to average assets | 2.0157% | 3,633 |
| Loan and lease loss provision to assets | -0.2901% | 4,769 |
| Net operating income to assets | 1.1960% | 1,937 |
| Return on assets (ROA) | 1.1877% | 2,030 |
| Pretax return on assets | 1.5311% | 1,619 |
| Return on Equity (ROE) | 13.2645% | 1,380 |
| Retained earnings to average equity (ytd only) | 13.2645% | 372 |
| Net charge-offs to loans | 0.2735% | 326 |
| Credit loss provision to net charge-offs | -316.5096% | 3,626 |
| Earnings coverage of net charge-offs (x) | 13.9958% | 2,054 |
| Efficiency ratio | 61.6511% | 2,914 |
| Assets per employee ($millions) | 16.0946% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 1,513 |
| Loan loss allowance to noncurrent loans | 164.7686% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3320% | 1,907 |
| Noncurrent loans to loans | 0.9160% | 1,104 |
| Net loans and leases to total assets | 32.3173% | 4,435 |
| Net loans and leases to deposits | 41.9170% | 4,277 |
| Net loans and leases to core deposits | 52.3802% | 3,864 |
| Total domestic deposits to total assets | 65.1009% | 4,739 |
| Equity capital to assets | 9.1578% | 3,453 |
| Core capital (leverage) ratio | 8.0035% | 4,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8114% | 1,089 |
| Memoranda: | ||
| Average total assets | $3,204,057,200,000 | 1 |
| Average earning assets | $2,869,439,600,000 | 1 |
| Average equity | $286,893,800,000 | 1 |
| Average total loans | $1,047,369,200,000 | 1 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8766% | 4,787 |
| Cost of funding earning assets | 0.0729% | 4,673 |
| Net interest margin | 1.8037% | 4,745 |
| Noninterest income to average assets | 1.7203% | 429 |
| Noninterest expense to average assets | 2.0419% | 3,550 |
| Loan and lease loss provision to assets | -0.3360% | 4,838 |
| Net operating income to assets | 1.2644% | 1,943 |
| Return on assets (ROA) | 1.2514% | 2,050 |
| Pretax return on assets | 1.6104% | 1,666 |
| Return on Equity (ROE) | 14.0595% | 1,371 |
| Retained earnings to average equity (ytd only) | 14.0595% | 507 |
| Net charge-offs to loans | 0.2974% | 270 |
| Credit loss provision to net charge-offs | -339.4384% | 3,528 |
| Earnings coverage of net charge-offs (x) | 13.2916% | 1,927 |
| Efficiency ratio | 61.2265% | 2,799 |
| Assets per employee ($millions) | 16.2132% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7257% | 1,056 |
| Loan loss allowance to noncurrent loans | 186.1085% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.3335% | 2,115 |
| Noncurrent loans to loans | 0.9272% | 1,235 |
| Net loans and leases to total assets | 31.3954% | 4,556 |
| Net loans and leases to deposits | 41.3311% | 4,404 |
| Net loans and leases to core deposits | 51.9801% | 4,038 |
| Total domestic deposits to total assets | 63.5551% | 4,815 |
| Equity capital to assets | 8.9978% | 3,836 |
| Core capital (leverage) ratio | 8.0666% | 4,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6849% | 1,196 |
| Memoranda: | ||
| Average total assets | $3,178,326,000,000 | 1 |
| Average earning assets | $2,841,373,500,000 | 1 |
| Average equity | $282,905,250,000 | 1 |
| Average total loans | $1,037,935,000,000 | 1 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8813% | 4,827 |
| Cost of funding earning assets | 0.0719% | 4,733 |
| Net interest margin | 1.8094% | 4,780 |
| Noninterest income to average assets | 1.8139% | 385 |
| Noninterest expense to average assets | 2.1138% | 3,346 |
| Loan and lease loss provision to assets | -0.4115% | 4,882 |
| Net operating income to assets | 1.3070% | 1,846 |
| Return on assets (ROA) | 1.2999% | 1,940 |
| Pretax return on assets | 1.7185% | 1,435 |
| Return on Equity (ROE) | 14.6596% | 1,241 |
| Retained earnings to average equity (ytd only) | 14.6596% | 476 |
| Net charge-offs to loans | 0.3466% | 250 |
| Credit loss provision to net charge-offs | -392.7973% | 3,395 |
| Earnings coverage of net charge-offs (x) | 11.5405% | 1,753 |
| Efficiency ratio | 61.5880% | 2,786 |
| Assets per employee ($millions) | 16.0109% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8569% | 800 |
| Loan loss allowance to noncurrent loans | 182.5606% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.3727% | 2,114 |
| Noncurrent loans to loans | 1.0171% | 1,209 |
| Net loans and leases to total assets | 32.2943% | 4,578 |
| Net loans and leases to deposits | 42.8722% | 4,427 |
| Net loans and leases to core deposits | 54.1878% | 4,014 |
| Total domestic deposits to total assets | 63.0496% | 4,849 |
| Equity capital to assets | 9.0320% | 3,768 |
| Core capital (leverage) ratio | 7.8777% | 4,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7028% | 1,191 |
| Memoranda: | ||
| Average total assets | $3,140,968,666,667 | 1 |
| Average earning assets | $2,805,229,333,333 | 1 |
| Average equity | $278,519,666,667 | 1 |
| Average total loans | $1,033,522,000,000 | 1 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9007% | 4,856 |
| Cost of funding earning assets | 0.0702% | 4,795 |
| Net interest margin | 1.8306% | 4,800 |
| Noninterest income to average assets | 1.8446% | 420 |
| Noninterest expense to average assets | 2.1387% | 3,306 |
| Loan and lease loss provision to assets | -0.5361% | 4,925 |
| Net operating income to assets | 1.4116% | 1,538 |
| Return on assets (ROA) | 1.4138% | 1,606 |
| Pretax return on assets | 1.8781% | 1,151 |
| Return on Equity (ROE) | 16.0971% | 994 |
| Retained earnings to average equity (ytd only) | 16.0971% | 508 |
| Net charge-offs to loans | 0.4119% | 202 |
| Credit loss provision to net charge-offs | -405.0189% | 3,127 |
| Earnings coverage of net charge-offs (x) | 9.8816% | 1,518 |
| Efficiency ratio | 61.4510% | 2,847 |
| Assets per employee ($millions) | 16.0504% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2386% | 396 |
| Loan loss allowance to noncurrent loans | 194.5427% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.3982% | 2,211 |
| Noncurrent loans to loans | 1.1507% | 1,161 |
| Net loans and leases to total assets | 31.3054% | 4,655 |
| Net loans and leases to deposits | 42.2914% | 4,487 |
| Net loans and leases to core deposits | 53.4248% | 4,124 |
| Total domestic deposits to total assets | 61.9299% | 4,875 |
| Equity capital to assets | 8.6475% | 4,001 |
| Core capital (leverage) ratio | 7.7694% | 4,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3161% | 1,215 |
| Memoranda: | ||
| Average total assets | $3,116,403,000,000 | 1 |
| Average earning assets | $2,781,021,000,000 | 1 |
| Average equity | $273,714,500,000 | 1 |
| Average total loans | $1,025,426,000,000 | 1 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4421% | 4,856 |
| Cost of funding earning assets | 0.2054% | 4,564 |
| Net interest margin | 2.2367% | 4,742 |
| Noninterest income to average assets | 1.8338% | 377 |
| Noninterest expense to average assets | 2.2551% | 3,523 |
| Loan and lease loss provision to assets | 0.5953% | 343 |
| Net operating income to assets | 0.7419% | 3,289 |
| Return on assets (ROA) | 0.7651% | 3,342 |
| Pretax return on assets | 0.9881% | 3,079 |
| Return on Equity (ROE) | 8.2568% | 2,710 |
| Retained earnings to average equity (ytd only) | 5.9013% | 1,841 |
| Net charge-offs to loans | 0.5287% | 295 |
| Credit loss provision to net charge-offs | 309.2220% | 1,705 |
| Earnings coverage of net charge-offs (x) | 8.1063% | 2,631 |
| Efficiency ratio | 59.1418% | 3,572 |
| Assets per employee ($millions) | 15.2842% | 170 |
| Cash dividends to net income (ytd only)* | 28.5280% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7662% | 195 |
| Loan loss allowance to noncurrent loans | 220.4937% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.4530% | 2,218 |
| Noncurrent loans to loans | 1.2545% | 1,093 |
| Net loans and leases to total assets | 32.9032% | 4,682 |
| Net loans and leases to deposits | 44.1723% | 4,524 |
| Net loans and leases to core deposits | 56.4801% | 4,128 |
| Total domestic deposits to total assets | 61.9184% | 4,899 |
| Equity capital to assets | 8.9268% | 4,118 |
| Core capital (leverage) ratio | 7.8860% | 4,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8915% | 1,289 |
| Memoranda: | ||
| Average total assets | $2,748,869,600,000 | 1 |
| Average earning assets | $2,427,759,200,000 | 1 |
| Average equity | $254,724,800,000 | 1 |
| Average total loans | $996,730,400,000 | 1 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5754% | 4,889 |
| Cost of funding earning assets | 0.2546% | 4,497 |
| Net interest margin | 2.3208% | 4,770 |
| Noninterest income to average assets | 1.9100% | 336 |
| Noninterest expense to average assets | 2.3624% | 3,245 |
| Loan and lease loss provision to assets | 0.8875% | 180 |
| Net operating income to assets | 0.5530% | 3,902 |
| Return on assets (ROA) | 0.5818% | 3,923 |
| Pretax return on assets | 0.7412% | 3,796 |
| Return on Equity (ROE) | 6.2140% | 3,475 |
| Retained earnings to average equity (ytd only) | 3.0254% | 3,513 |
| Net charge-offs to loans | 0.5683% | 262 |
| Credit loss provision to net charge-offs | 420.0948% | 1,422 |
| Earnings coverage of net charge-offs (x) | 7.5841% | 2,566 |
| Efficiency ratio | 59.6721% | 3,435 |
| Assets per employee ($millions) | 14.4066% | 186 |
| Cash dividends to net income (ytd only)* | 51.3128% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0956% | 124 |
| Loan loss allowance to noncurrent loans | 226.7113% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.5033% | 2,193 |
| Noncurrent loans to loans | 1.3654% | 1,070 |
| Net loans and leases to total assets | 33.6012% | 4,750 |
| Net loans and leases to deposits | 45.8016% | 4,609 |
| Net loans and leases to core deposits | 58.2812% | 4,288 |
| Total domestic deposits to total assets | 61.1647% | 4,916 |
| Equity capital to assets | 9.1022% | 4,030 |
| Core capital (leverage) ratio | 7.9076% | 4,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8224% | 1,298 |
| Memoranda: | ||
| Average total assets | $2,679,765,750,000 | 1 |
| Average earning assets | $2,361,012,000,000 | 1 |
| Average equity | $250,891,000,000 | 1 |
| Average total loans | $989,979,750,000 | 2 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7967% | 4,910 |
| Cost of funding earning assets | 0.3353% | 4,335 |
| Net interest margin | 2.4614% | 4,755 |
| Noninterest income to average assets | 1.9590% | 298 |
| Noninterest expense to average assets | 2.4289% | 3,179 |
| Loan and lease loss provision to assets | 1.3623% | 105 |
| Net operating income to assets | 0.2653% | 4,473 |
| Return on assets (ROA) | 0.2812% | 4,490 |
| Pretax return on assets | 0.3474% | 4,477 |
| Return on Equity (ROE) | 2.9734% | 4,361 |
| Retained earnings to average equity (ytd only) | -1.8759% | 4,578 |
| Net charge-offs to loans | 0.6130% | 261 |
| Credit loss provision to net charge-offs | 587.9828% | 1,123 |
| Earnings coverage of net charge-offs (x) | 7.3001% | 2,376 |
| Efficiency ratio | 58.8999% | 3,570 |
| Assets per employee ($millions) | 14.1028% | 197 |
| Cash dividends to net income (ytd only)* | 163.0878% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2648% | 110 |
| Loan loss allowance to noncurrent loans | 317.9124% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.4302% | 2,586 |
| Noncurrent loans to loans | 1.0269% | 1,518 |
| Net loans and leases to total assets | 33.6865% | 4,788 |
| Net loans and leases to deposits | 46.3530% | 4,644 |
| Net loans and leases to core deposits | 57.9768% | 4,359 |
| Total domestic deposits to total assets | 60.4290% | 4,957 |
| Equity capital to assets | 8.9608% | 4,124 |
| Core capital (leverage) ratio | 7.8733% | 4,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0868% | 1,467 |
| Memoranda: | ||
| Average total assets | $2,616,509,000,000 | 1 |
| Average earning assets | $2,296,177,000,000 | 1 |
| Average equity | $247,457,333,333 | 1 |
| Average total loans | $988,306,666,667 | 2 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1774% | 4,878 |
| Cost of funding earning assets | 0.5287% | 3,799 |
| Net interest margin | 2.6487% | 4,720 |
| Noninterest income to average assets | 1.7209% | 312 |
| Noninterest expense to average assets | 2.5739% | 3,068 |
| Loan and lease loss provision to assets | 1.1809% | 157 |
| Net operating income to assets | 0.2369% | 4,469 |
| Return on assets (ROA) | 0.2693% | 4,438 |
| Pretax return on assets | 0.3115% | 4,438 |
| Return on Equity (ROE) | 2.7664% | 4,276 |
| Retained earnings to average equity (ytd only) | -7.0376% | 4,648 |
| Net charge-offs to loans | 0.5928% | 248 |
| Credit loss provision to net charge-offs | 504.6971% | 866 |
| Earnings coverage of net charge-offs (x) | 6.2253% | 1,998 |
| Efficiency ratio | 63.8169% | 3,261 |
| Assets per employee ($millions) | 13.4252% | 174 |
| Cash dividends to net income (ytd only)* | 354.4005% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2792% | 338 |
| Loan loss allowance to noncurrent loans | 282.7674% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 3,016 |
| Noncurrent loans to loans | 0.8060% | 1,994 |
| Net loans and leases to total assets | 37.0205% | 4,752 |
| Net loans and leases to deposits | 52.3162% | 4,506 |
| Net loans and leases to core deposits | 68.0092% | 3,989 |
| Total domestic deposits to total assets | 57.1375% | 5,040 |
| Equity capital to assets | 9.0488% | 4,572 |
| Core capital (leverage) ratio | 8.3899% | 4,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5947% | 2,041 |
| Memoranda: | ||
| Average total assets | $2,514,302,500,000 | 1 |
| Average earning assets | $2,190,835,000,000 | 1 |
| Average equity | $244,798,000,000 | 1 |
| Average total loans | $991,289,500,000 | 2 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6457% | 4,729 |
| Cost of funding earning assets | 0.8166% | 2,606 |
| Net interest margin | 2.8291% | 4,732 |
| Noninterest income to average assets | 1.9647% | 268 |
| Noninterest expense to average assets | 2.5579% | 3,297 |
| Loan and lease loss provision to assets | 0.2304% | 832 |
| Net operating income to assets | 1.3115% | 1,643 |
| Return on assets (ROA) | 1.3229% | 1,681 |
| Pretax return on assets | 1.6784% | 1,248 |
| Return on Equity (ROE) | 12.5089% | 1,326 |
| Retained earnings to average equity (ytd only) | 2.1310% | 3,928 |
| Net charge-offs to loans | 0.5830% | 318 |
| Credit loss provision to net charge-offs | 96.9444% | 2,557 |
| Earnings coverage of net charge-offs (x) | 7.9721% | 2,820 |
| Efficiency ratio | 57.4184% | 4,033 |
| Assets per employee ($millions) | 11.6298% | 253 |
| Cash dividends to net income (ytd only)* | 82.9637% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3608% | 1,670 |
| Loan loss allowance to noncurrent loans | 171.8144% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 2,891 |
| Noncurrent loans to loans | 0.7920% | 1,923 |
| Net loans and leases to total assets | 40.6405% | 4,710 |
| Net loans and leases to deposits | 57.5607% | 4,389 |
| Net loans and leases to core deposits | 74.4791% | 3,682 |
| Total domestic deposits to total assets | 57.9400% | 5,098 |
| Equity capital to assets | 10.5276% | 3,421 |
| Core capital (leverage) ratio | 8.7893% | 4,672 |
| Tier 1 risk-based capital ratio | 14.1903% | 3,171 |
| Total risk-based capital ratio | 15.3935% | 3,107 |
| Memoranda: | ||
| Average total assets | $2,368,888,562,000 | 1 |
| Average earning assets | $2,082,857,475,000 | 1 |
| Average equity | $250,534,162,400 | 1 |
| Average total loans | $965,567,104,400 | 1 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6923% | 4,792 |
| Cost of funding earning assets | 0.8541% | 2,448 |
| Net interest margin | 2.8382% | 4,824 |
| Noninterest income to average assets | 1.9563% | 274 |
| Noninterest expense to average assets | 2.5497% | 3,298 |
| Loan and lease loss provision to assets | 0.2274% | 748 |
| Net operating income to assets | 1.3301% | 1,727 |
| Return on assets (ROA) | 1.3394% | 1,755 |
| Pretax return on assets | 1.6869% | 1,374 |
| Return on Equity (ROE) | 12.6499% | 1,399 |
| Retained earnings to average equity (ytd only) | 2.3180% | 4,171 |
| Net charge-offs to loans | 0.5706% | 290 |
| Credit loss provision to net charge-offs | 98.0169% | 2,305 |
| Earnings coverage of net charge-offs (x) | 8.2015% | 2,678 |
| Efficiency ratio | 57.2363% | 4,035 |
| Assets per employee ($millions) | 11.7361% | 227 |
| Cash dividends to net income (ytd only)* | 81.6754% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 1,608 |
| Loan loss allowance to noncurrent loans | 145.5877% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.4413% | 2,760 |
| Noncurrent loans to loans | 0.9566% | 1,682 |
| Net loans and leases to total assets | 39.5275% | 4,827 |
| Net loans and leases to deposits | 57.7491% | 4,482 |
| Net loans and leases to core deposits | 75.5504% | 3,726 |
| Total domestic deposits to total assets | 56.0736% | 5,180 |
| Equity capital to assets | 10.3559% | 3,672 |
| Core capital (leverage) ratio | 8.7760% | 4,793 |
| Tier 1 risk-based capital ratio | 14.2045% | 3,221 |
| Total risk-based capital ratio | 15.4282% | 3,142 |
| Memoranda: | ||
| Average total assets | $2,376,699,202,500 | 1 |
| Average earning assets | $2,090,040,593,750 | 1 |
| Average equity | $251,643,453,000 | 1 |
| Average total loans | $966,174,380,500 | 1 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7063% | 4,823 |
| Cost of funding earning assets | 0.8606% | 2,351 |
| Net interest margin | 2.8457% | 4,878 |
| Noninterest income to average assets | 1.9248% | 282 |
| Noninterest expense to average assets | 2.5439% | 3,345 |
| Loan and lease loss provision to assets | 0.2164% | 774 |
| Net operating income to assets | 1.3444% | 1,602 |
| Return on assets (ROA) | 1.3533% | 1,628 |
| Pretax return on assets | 1.6818% | 1,315 |
| Return on Equity (ROE) | 12.6889% | 1,338 |
| Retained earnings to average equity (ytd only) | 2.4451% | 3,964 |
| Net charge-offs to loans | 0.5688% | 269 |
| Credit loss provision to net charge-offs | 93.1621% | 2,099 |
| Earnings coverage of net charge-offs (x) | 8.1241% | 2,440 |
| Efficiency ratio | 57.3778% | 4,084 |
| Assets per employee ($millions) | 11.7288% | 222 |
| Cash dividends to net income (ytd only)* | 80.7303% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 1,727 |
| Loan loss allowance to noncurrent loans | 141.8231% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.4541% | 2,702 |
| Noncurrent loans to loans | 0.9674% | 1,689 |
| Net loans and leases to total assets | 40.1325% | 4,839 |
| Net loans and leases to deposits | 58.8431% | 4,483 |
| Net loans and leases to core deposits | 76.3933% | 3,692 |
| Total domestic deposits to total assets | 55.6825% | 5,234 |
| Equity capital to assets | 10.9034% | 3,173 |
| Core capital (leverage) ratio | 9.3593% | 4,303 |
| Tier 1 risk-based capital ratio | 14.9872% | 2,854 |
| Total risk-based capital ratio | 16.1983% | 2,787 |
| Memoranda: | ||
| Average total assets | $2,379,889,936,670 | 1 |
| Average earning assets | $2,095,947,125,000 | 1 |
| Average equity | $253,811,937,330 | 1 |
| Average total loans | $971,938,840,670 | 1 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2947% | 5,173 |
| Cost of funding earning assets | 0.8484% | 2,279 |
| Net interest margin | 2.4463% | 5,208 |
| Noninterest income to average assets | 2.1303% | 226 |
| Noninterest expense to average assets | 2.5552% | 3,354 |
| Loan and lease loss provision to assets | 0.1204% | 1,453 |
| Net operating income to assets | 1.2766% | 1,789 |
| Return on assets (ROA) | 1.2892% | 1,782 |
| Pretax return on assets | 1.6382% | 1,376 |
| Return on Equity (ROE) | 13.4905% | 1,087 |
| Retained earnings to average equity (ytd only) | 2.3567% | 3,966 |
| Net charge-offs to loans | 0.2498% | 582 |
| Credit loss provision to net charge-offs | 124.5872% | 1,395 |
| Earnings coverage of net charge-offs (x) | 18.0312% | 1,639 |
| Efficiency ratio | 59.4281% | 3,887 |
| Assets per employee ($millions) | 11.7510% | 217 |
| Cash dividends to net income (ytd only)* | 82.5309% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 2,805 |
| Loan loss allowance to noncurrent loans | 108.8496% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.4636% | 2,753 |
| Noncurrent loans to loans | 1.0632% | 1,569 |
| Net loans and leases to total assets | 37.1201% | 4,982 |
| Net loans and leases to deposits | 53.8687% | 4,680 |
| Net loans and leases to core deposits | 69.9143% | 4,083 |
| Total domestic deposits to total assets | 56.5048% | 5,296 |
| Equity capital to assets | 9.4617% | 4,294 |
| Core capital (leverage) ratio | 8.5674% | 4,970 |
| Tier 1 risk-based capital ratio | 14.0290% | 3,329 |
| Total risk-based capital ratio | 14.8645% | 3,462 |
| Memoranda: | ||
| Average total assets | $2,255,647,000,000 | 1 |
| Average earning assets | $1,998,586,500,000 | 1 |
| Average equity | $215,559,000,000 | 1 |
| Average total loans | $872,625,000,000 | 3 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0014% | 5,233 |
| Cost of funding earning assets | 0.6236% | 2,563 |
| Net interest margin | 2.3778% | 5,258 |
| Noninterest income to average assets | 2.0625% | 257 |
| Noninterest expense to average assets | 2.5517% | 3,462 |
| Loan and lease loss provision to assets | 0.0742% | 2,646 |
| Net operating income to assets | 1.1796% | 2,272 |
| Return on assets (ROA) | 1.1819% | 2,251 |
| Pretax return on assets | 1.5398% | 1,653 |
| Return on Equity (ROE) | 12.0476% | 1,698 |
| Retained earnings to average equity (ytd only) | 0.6128% | 4,827 |
| Net charge-offs to loans | 0.1964% | 980 |
| Credit loss provision to net charge-offs | 96.7184% | 2,613 |
| Earnings coverage of net charge-offs (x) | 20.9952% | 1,970 |
| Efficiency ratio | 61.2127% | 3,659 |
| Assets per employee ($millions) | 11.3980% | 234 |
| Cash dividends to net income (ytd only)* | 94.9134% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 2,996 |
| Loan loss allowance to noncurrent loans | 105.2643% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.4900% | 2,616 |
| Noncurrent loans to loans | 1.0611% | 1,539 |
| Net loans and leases to total assets | 39.4100% | 4,966 |
| Net loans and leases to deposits | 56.1282% | 4,660 |
| Net loans and leases to core deposits | 71.2662% | 4,042 |
| Total domestic deposits to total assets | 57.7389% | 5,336 |
| Equity capital to assets | 9.6543% | 3,998 |
| Core capital (leverage) ratio | 8.5534% | 4,992 |
| Tier 1 risk-based capital ratio | 13.8892% | 3,335 |
| Total risk-based capital ratio | 14.7226% | 3,468 |
| Memoranda: | ||
| Average total assets | $2,184,113,800,000 | 1 |
| Average earning assets | $1,929,132,200,000 | 1 |
| Average equity | $214,258,400,000 | 1 |
| Average total loans | $853,546,000,000 | 3 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9266% | 5,318 |
| Cost of funding earning assets | 0.5716% | 2,692 |
| Net interest margin | 2.3550% | 5,332 |
| Noninterest income to average assets | 2.1447% | 249 |
| Noninterest expense to average assets | 2.5718% | 3,373 |
| Loan and lease loss provision to assets | 0.0526% | 2,929 |
| Net operating income to assets | 1.2328% | 2,116 |
| Return on assets (ROA) | 1.2360% | 2,104 |
| Pretax return on assets | 1.6025% | 1,575 |
| Return on Equity (ROE) | 12.5485% | 1,596 |
| Retained earnings to average equity (ytd only) | 1.6589% | 4,685 |
| Net charge-offs to loans | 0.1888% | 887 |
| Credit loss provision to net charge-offs | 71.6194% | 2,618 |
| Earnings coverage of net charge-offs (x) | 22.4841% | 1,874 |
| Efficiency ratio | 60.8276% | 3,683 |
| Assets per employee ($millions) | 11.2913% | 229 |
| Cash dividends to net income (ytd only)* | 86.7797% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1200% | 3,071 |
| Loan loss allowance to noncurrent loans | 102.2833% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 0.4487% | 2,890 |
| Noncurrent loans to loans | 1.0950% | 1,555 |
| Net loans and leases to total assets | 38.7409% | 5,060 |
| Net loans and leases to deposits | 55.2114% | 4,782 |
| Net loans and leases to core deposits | 71.0165% | 4,127 |
| Total domestic deposits to total assets | 57.5987% | 5,408 |
| Equity capital to assets | 9.8002% | 3,817 |
| Core capital (leverage) ratio | 8.8080% | 4,880 |
| Tier 1 risk-based capital ratio | 13.8475% | 3,447 |
| Total risk-based capital ratio | 14.6570% | 3,598 |
| Memoranda: | ||
| Average total assets | $2,175,402,250,000 | 1 |
| Average earning assets | $1,919,550,750,000 | 1 |
| Average equity | $214,267,000,000 | 1 |
| Average total loans | $845,840,000,000 | 3 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8568% | 5,391 |
| Cost of funding earning assets | 0.5293% | 2,765 |
| Net interest margin | 2.3275% | 5,407 |
| Noninterest income to average assets | 2.1948% | 247 |
| Noninterest expense to average assets | 2.5975% | 3,336 |
| Loan and lease loss provision to assets | 0.0683% | 2,516 |
| Net operating income to assets | 1.2420% | 2,018 |
| Return on assets (ROA) | 1.2506% | 1,979 |
| Pretax return on assets | 1.5973% | 1,510 |
| Return on Equity (ROE) | 12.6754% | 1,484 |
| Retained earnings to average equity (ytd only) | 1.9272% | 4,483 |
| Net charge-offs to loans | 0.2157% | 737 |
| Credit loss provision to net charge-offs | 81.6979% | 2,240 |
| Earnings coverage of net charge-offs (x) | 19.7839% | 1,838 |
| Efficiency ratio | 61.0110% | 3,766 |
| Assets per employee ($millions) | 11.2431% | 222 |
| Cash dividends to net income (ytd only)* | 84.7958% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 2,958 |
| Loan loss allowance to noncurrent loans | 93.1074% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 0.5110% | 2,711 |
| Noncurrent loans to loans | 1.2395% | 1,399 |
| Net loans and leases to total assets | 38.9615% | 5,093 |
| Net loans and leases to deposits | 55.3179% | 4,788 |
| Net loans and leases to core deposits | 69.2144% | 4,192 |
| Total domestic deposits to total assets | 58.7762% | 5,457 |
| Equity capital to assets | 9.9405% | 3,682 |
| Core capital (leverage) ratio | 8.7651% | 4,917 |
| Tier 1 risk-based capital ratio | 13.9167% | 3,397 |
| Total risk-based capital ratio | 14.7483% | 3,532 |
| Memoranda: | ||
| Average total assets | $2,168,924,666,670 | 1 |
| Average earning assets | $1,917,169,333,330 | 1 |
| Average equity | $213,990,000,000 | 1 |
| Average total loans | $841,143,333,330 | 3 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7605% | 5,465 |
| Cost of funding earning assets | 0.4741% | 3,011 |
| Net interest margin | 2.2864% | 5,477 |
| Noninterest income to average assets | 2.1474% | 250 |
| Noninterest expense to average assets | 2.5915% | 3,359 |
| Loan and lease loss provision to assets | 0.0737% | 2,292 |
| Net operating income to assets | 1.2001% | 2,004 |
| Return on assets (ROA) | 1.2298% | 1,901 |
| Pretax return on assets | 1.5439% | 1,551 |
| Return on Equity (ROE) | 12.5114% | 1,407 |
| Retained earnings to average equity (ytd only) | 2.1947% | 4,293 |
| Net charge-offs to loans | 0.2435% | 630 |
| Credit loss provision to net charge-offs | 78.7402% | 1,757 |
| Earnings coverage of net charge-offs (x) | 16.8740% | 1,604 |
| Efficiency ratio | 62.0382% | 3,773 |
| Assets per employee ($millions) | 11.3619% | 222 |
| Cash dividends to net income (ytd only)* | 82.4588% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 2,912 |
| Loan loss allowance to noncurrent loans | 82.8229% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.5710% | 2,613 |
| Noncurrent loans to loans | 1.4285% | 1,241 |
| Net loans and leases to total assets | 37.8112% | 5,145 |
| Net loans and leases to deposits | 53.3112% | 4,829 |
| Net loans and leases to core deposits | 67.3484% | 4,246 |
| Total domestic deposits to total assets | 58.6253% | 5,526 |
| Equity capital to assets | 9.7714% | 3,818 |
| Core capital (leverage) ratio | 8.7960% | 4,897 |
| Tier 1 risk-based capital ratio | 13.5889% | 3,606 |
| Total risk-based capital ratio | 14.4110% | 3,772 |
| Memoranda: | ||
| Average total assets | $2,169,537,000,000 | 1 |
| Average earning assets | $1,921,135,000,000 | 1 |
| Average equity | $213,245,000,000 | 1 |
| Average total loans | $834,500,000,000 | 3 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5456% | 5,542 |
| Cost of funding earning assets | 0.3727% | 3,489 |
| Net interest margin | 2.1729% | 5,546 |
| Noninterest income to average assets | 1.9661% | 307 |
| Noninterest expense to average assets | 2.4160% | 4,033 |
| Loan and lease loss provision to assets | 0.0870% | 2,452 |
| Net operating income to assets | 0.8901% | 2,772 |
| Return on assets (ROA) | 0.8873% | 2,807 |
| Pretax return on assets | 1.3905% | 2,025 |
| Return on Equity (ROE) | 9.0441% | 2,295 |
| Retained earnings to average equity (ytd only) | 2.8332% | 3,618 |
| Net charge-offs to loans | 0.2972% | 877 |
| Credit loss provision to net charge-offs | 77.1310% | 2,987 |
| Earnings coverage of net charge-offs (x) | 13.1414% | 2,419 |
| Efficiency ratio | 61.9224% | 3,952 |
| Assets per employee ($millions) | 11.1540% | 233 |
| Cash dividends to net income (ytd only)* | 68.6741% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 2,672 |
| Loan loss allowance to noncurrent loans | 79.8685% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 0.6144% | 2,488 |
| Noncurrent loans to loans | 1.5247% | 1,110 |
| Net loans and leases to total assets | 38.1994% | 5,212 |
| Net loans and leases to deposits | 53.2778% | 4,922 |
| Net loans and leases to core deposits | 67.1209% | 4,356 |
| Total domestic deposits to total assets | 59.4123% | 5,590 |
| Equity capital to assets | 9.8882% | 3,831 |
| Core capital (leverage) ratio | 8.7132% | 4,939 |
| Tier 1 risk-based capital ratio | 13.8025% | 3,471 |
| Total risk-based capital ratio | 14.6607% | 3,592 |
| Memoranda: | ||
| Average total assets | $2,133,323,400,000 | 1 |
| Average earning assets | $1,896,239,600,000 | 1 |
| Average equity | $209,307,200,000 | 1 |
| Average total loans | $809,278,400,000 | 3 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4978% | 5,614 |
| Cost of funding earning assets | 0.3518% | 3,649 |
| Net interest margin | 2.1460% | 5,615 |
| Noninterest income to average assets | 2.0102% | 307 |
| Noninterest expense to average assets | 2.4185% | 3,970 |
| Loan and lease loss provision to assets | 0.0845% | 2,401 |
| Net operating income to assets | 0.9888% | 2,606 |
| Return on assets (ROA) | 0.9864% | 2,672 |
| Pretax return on assets | 1.4131% | 2,081 |
| Return on Equity (ROE) | 10.0736% | 2,100 |
| Retained earnings to average equity (ytd only) | 4.0048% | 3,541 |
| Net charge-offs to loans | 0.3158% | 664 |
| Credit loss provision to net charge-offs | 70.8814% | 2,692 |
| Earnings coverage of net charge-offs (x) | 12.5871% | 2,418 |
| Efficiency ratio | 61.6449% | 3,930 |
| Assets per employee ($millions) | 11.3199% | 213 |
| Cash dividends to net income (ytd only)* | 60.2448% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2392% | 2,698 |
| Loan loss allowance to noncurrent loans | 84.2808% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 0.5834% | 2,770 |
| Noncurrent loans to loans | 1.4703% | 1,268 |
| Net loans and leases to total assets | 37.3728% | 5,290 |
| Net loans and leases to deposits | 52.2438% | 5,045 |
| Net loans and leases to core deposits | 66.1217% | 4,474 |
| Total domestic deposits to total assets | 58.9382% | 5,661 |
| Equity capital to assets | 9.8596% | 4,080 |
| Core capital (leverage) ratio | 8.7810% | 4,989 |
| Tier 1 risk-based capital ratio | 14.2072% | 3,347 |
| Total risk-based capital ratio | 15.0852% | 3,449 |
| Memoranda: | ||
| Average total assets | $2,131,459,750,000 | 1 |
| Average earning assets | $1,896,133,500,000 | 1 |
| Average equity | $208,712,750,000 | 1 |
| Average total loans | $804,636,750,000 | 3 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4358% | 5,676 |
| Cost of funding earning assets | 0.3182% | 3,896 |
| Net interest margin | 2.1176% | 5,668 |
| Noninterest income to average assets | 2.0397% | 305 |
| Noninterest expense to average assets | 2.4351% | 3,954 |
| Loan and lease loss provision to assets | 0.0781% | 2,418 |
| Net operating income to assets | 0.9705% | 2,567 |
| Return on assets (ROA) | 0.9672% | 2,628 |
| Pretax return on assets | 1.4044% | 2,000 |
| Return on Equity (ROE) | 9.9006% | 2,079 |
| Retained earnings to average equity (ytd only) | 4.1181% | 3,259 |
| Net charge-offs to loans | 0.3435% | 586 |
| Credit loss provision to net charge-offs | 60.3198% | 2,464 |
| Earnings coverage of net charge-offs (x) | 11.4775% | 2,275 |
| Efficiency ratio | 62.0232% | 3,986 |
| Assets per employee ($millions) | 11.3673% | 203 |
| Cash dividends to net income (ytd only)* | 58.4055% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,691 |
| Loan loss allowance to noncurrent loans | 81.4466% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 0.6051% | 2,751 |
| Noncurrent loans to loans | 1.5341% | 1,221 |
| Net loans and leases to total assets | 37.1782% | 5,329 |
| Net loans and leases to deposits | 51.9591% | 5,061 |
| Net loans and leases to core deposits | 65.7503% | 4,486 |
| Total domestic deposits to total assets | 59.0201% | 5,708 |
| Equity capital to assets | 9.7654% | 4,161 |
| Core capital (leverage) ratio | 8.7382% | 5,015 |
| Tier 1 risk-based capital ratio | 14.1111% | 3,367 |
| Total risk-based capital ratio | 15.0084% | 3,474 |
| Memoranda: | ||
| Average total assets | $2,124,270,333,330 | 1 |
| Average earning assets | $1,888,280,666,670 | 1 |
| Average equity | $207,523,666,670 | 1 |
| Average total loans | $801,268,333,330 | 3 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3998% | 5,741 |
| Cost of funding earning assets | 0.2856% | 4,193 |
| Net interest margin | 2.1141% | 5,734 |
| Noninterest income to average assets | 1.9936% | 317 |
| Noninterest expense to average assets | 2.4714% | 3,899 |
| Loan and lease loss provision to assets | 0.1103% | 1,735 |
| Net operating income to assets | 0.9443% | 2,546 |
| Return on assets (ROA) | 0.9435% | 2,607 |
| Pretax return on assets | 1.2907% | 2,269 |
| Return on Equity (ROE) | 9.6562% | 2,119 |
| Retained earnings to average equity (ytd only) | 3.8369% | 3,537 |
| Net charge-offs to loans | 0.4649% | 400 |
| Credit loss provision to net charge-offs | 62.8510% | 1,886 |
| Earnings coverage of net charge-offs (x) | 7.9881% | 2,095 |
| Efficiency ratio | 63.7454% | 3,880 |
| Assets per employee ($millions) | 11.3840% | 198 |
| Cash dividends to net income (ytd only)* | 60.2652% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 2,571 |
| Loan loss allowance to noncurrent loans | 76.3785% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 0.6644% | 2,643 |
| Noncurrent loans to loans | 1.6928% | 1,132 |
| Net loans and leases to total assets | 36.9480% | 5,371 |
| Net loans and leases to deposits | 51.9873% | 5,037 |
| Net loans and leases to core deposits | 65.1197% | 4,483 |
| Total domestic deposits to total assets | 59.2082% | 5,774 |
| Equity capital to assets | 9.6975% | 4,067 |
| Core capital (leverage) ratio | 8.7217% | 5,026 |
| Tier 1 risk-based capital ratio | 14.0867% | 3,421 |
| Total risk-based capital ratio | 14.9426% | 3,569 |
| Memoranda: | ||
| Average total assets | $2,110,402,500,000 | 1 |
| Average earning assets | $1,876,523,500,000 | 1 |
| Average equity | $206,209,500,000 | 1 |
| Average total loans | $796,802,000,000 | 3 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3315% | 5,801 |
| Cost of funding earning assets | 0.2591% | 4,478 |
| Net interest margin | 2.0724% | 5,792 |
| Noninterest income to average assets | 1.9677% | 350 |
| Noninterest expense to average assets | 2.3505% | 4,419 |
| Loan and lease loss provision to assets | 0.1082% | 2,243 |
| Net operating income to assets | 0.9473% | 2,599 |
| Return on assets (ROA) | 0.9512% | 2,686 |
| Pretax return on assets | 1.3376% | 2,158 |
| Return on Equity (ROE) | 9.6682% | 2,121 |
| Retained earnings to average equity (ytd only) | 4.6774% | 2,560 |
| Net charge-offs to loans | 0.2764% | 998 |
| Credit loss provision to net charge-offs | 103.3302% | 2,504 |
| Earnings coverage of net charge-offs (x) | 13.7552% | 2,346 |
| Efficiency ratio | 61.9237% | 4,265 |
| Assets per employee ($millions) | 11.2903% | 206 |
| Cash dividends to net income (ytd only)* | 51.6209% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3507% | 2,298 |
| Loan loss allowance to noncurrent loans | 72.7328% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 0.7421% | 2,508 |
| Noncurrent loans to loans | 1.8570% | 1,009 |
| Net loans and leases to total assets | 37.5741% | 5,415 |
| Net loans and leases to deposits | 52.8695% | 5,071 |
| Net loans and leases to core deposits | 65.9882% | 4,528 |
| Total domestic deposits to total assets | 59.3561% | 5,829 |
| Equity capital to assets | 9.8467% | 3,886 |
| Core capital (leverage) ratio | 8.5856% | 5,182 |
| Tier 1 risk-based capital ratio | 13.8680% | 3,539 |
| Total risk-based capital ratio | 14.6234% | 3,753 |
| Memoranda: | ||
| Average total assets | $2,036,536,000,000 | 1 |
| Average earning assets | $1,791,279,800,000 | 1 |
| Average equity | $200,369,200,000 | 2 |
| Average total loans | $771,345,800,000 | 3 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3236% | 5,867 |
| Cost of funding earning assets | 0.2594% | 4,515 |
| Net interest margin | 2.0641% | 5,857 |
| Noninterest income to average assets | 2.0070% | 346 |
| Noninterest expense to average assets | 2.3679% | 4,360 |
| Loan and lease loss provision to assets | 0.1346% | 1,743 |
| Net operating income to assets | 0.9017% | 2,895 |
| Return on assets (ROA) | 0.9069% | 3,004 |
| Pretax return on assets | 1.3245% | 2,334 |
| Return on Equity (ROE) | 9.2198% | 2,390 |
| Retained earnings to average equity (ytd only) | 4.1996% | 3,337 |
| Net charge-offs to loans | 0.2644% | 882 |
| Credit loss provision to net charge-offs | 134.6280% | 1,930 |
| Earnings coverage of net charge-offs (x) | 14.5082% | 2,240 |
| Efficiency ratio | 61.9127% | 4,249 |
| Assets per employee ($millions) | 11.5094% | 191 |
| Cash dividends to net income (ytd only)* | 54.4504% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4147% | 2,137 |
| Loan loss allowance to noncurrent loans | 72.8662% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 0.7612% | 2,647 |
| Noncurrent loans to loans | 1.9414% | 1,022 |
| Net loans and leases to total assets | 36.8724% | 5,514 |
| Net loans and leases to deposits | 52.5678% | 5,179 |
| Net loans and leases to core deposits | 66.6021% | 4,566 |
| Total domestic deposits to total assets | 58.1529% | 5,902 |
| Equity capital to assets | 9.5769% | 4,582 |
| Core capital (leverage) ratio | 8.6406% | 5,222 |
| Tier 1 risk-based capital ratio | 13.3651% | 3,945 |
| Total risk-based capital ratio | 14.0470% | 4,192 |
| Memoranda: | ||
| Average total assets | $2,024,969,250,000 | 1 |
| Average earning assets | $1,777,616,750,000 | 1 |
| Average equity | $199,189,750,000 | 2 |
| Average total loans | $765,855,000,000 | 3 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3381% | 5,949 |
| Cost of funding earning assets | 0.2623% | 4,526 |
| Net interest margin | 2.0759% | 5,936 |
| Noninterest income to average assets | 2.0197% | 332 |
| Noninterest expense to average assets | 2.3436% | 4,486 |
| Loan and lease loss provision to assets | 0.1708% | 1,295 |
| Net operating income to assets | 0.8983% | 2,869 |
| Return on assets (ROA) | 0.9022% | 2,984 |
| Pretax return on assets | 1.3305% | 2,285 |
| Return on Equity (ROE) | 9.0868% | 2,462 |
| Retained earnings to average equity (ytd only) | 4.0352% | 3,336 |
| Net charge-offs to loans | 0.2695% | 885 |
| Credit loss provision to net charge-offs | 166.9608% | 1,479 |
| Earnings coverage of net charge-offs (x) | 14.6127% | 2,050 |
| Efficiency ratio | 60.9595% | 4,518 |
| Assets per employee ($millions) | 11.1777% | 193 |
| Cash dividends to net income (ytd only)* | 55.5926% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4645% | 2,007 |
| Loan loss allowance to noncurrent loans | 73.0552% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 0.8036% | 2,586 |
| Noncurrent loans to loans | 2.0046% | 994 |
| Net loans and leases to total assets | 37.4009% | 5,541 |
| Net loans and leases to deposits | 54.4921% | 5,106 |
| Net loans and leases to core deposits | 69.9701% | 4,327 |
| Total domestic deposits to total assets | 56.3229% | 5,993 |
| Equity capital to assets | 9.7862% | 4,466 |
| Core capital (leverage) ratio | 8.7359% | 5,130 |
| Tier 1 risk-based capital ratio | 13.2444% | 4,044 |
| Total risk-based capital ratio | 14.0189% | 4,246 |
| Memoranda: | ||
| Average total assets | $1,993,793,333,330 | 1 |
| Average earning assets | $1,747,119,333,330 | 1 |
| Average equity | $197,957,333,330 | 2 |
| Average total loans | $757,023,333,330 | 3 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3313% | 6,015 |
| Cost of funding earning assets | 0.2618% | 4,591 |
| Net interest margin | 2.0695% | 6,002 |
| Noninterest income to average assets | 1.9809% | 342 |
| Noninterest expense to average assets | 2.4246% | 4,300 |
| Loan and lease loss provision to assets | 0.2035% | 967 |
| Net operating income to assets | 0.8468% | 3,002 |
| Return on assets (ROA) | 0.8541% | 3,099 |
| Pretax return on assets | 1.1824% | 2,772 |
| Return on Equity (ROE) | 8.5381% | 2,644 |
| Retained earnings to average equity (ytd only) | 3.4510% | 3,779 |
| Net charge-offs to loans | 0.2583% | 805 |
| Credit loss provision to net charge-offs | 207.4689% | 1,052 |
| Earnings coverage of net charge-offs (x) | 14.0228% | 1,717 |
| Efficiency ratio | 63.7031% | 4,169 |
| Assets per employee ($millions) | 11.0606% | 198 |
| Cash dividends to net income (ytd only)* | 59.5806% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 2,027 |
| Loan loss allowance to noncurrent loans | 67.2931% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 0.8756% | 2,498 |
| Noncurrent loans to loans | 2.2159% | 920 |
| Net loans and leases to total assets | 36.9650% | 5,597 |
| Net loans and leases to deposits | 53.5380% | 5,128 |
| Net loans and leases to core deposits | 68.8711% | 4,331 |
| Total domestic deposits to total assets | 56.4269% | 6,057 |
| Equity capital to assets | 9.8039% | 4,333 |
| Core capital (leverage) ratio | 8.9219% | 4,945 |
| Tier 1 risk-based capital ratio | 13.0740% | 4,217 |
| Total risk-based capital ratio | 13.8171% | 4,451 |
| Memoranda: | ||
| Average total assets | $1,965,188,000,000 | 1 |
| Average earning assets | $1,727,800,000,000 | 1 |
| Average equity | $196,578,000,000 | 2 |
| Average total loans | $746,287,500,000 | 3 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1131% | 6,088 |
| Cost of funding earning assets | 0.2095% | 5,199 |
| Net interest margin | 1.9036% | 6,062 |
| Noninterest income to average assets | 1.9586% | 371 |
| Noninterest expense to average assets | 2.4572% | 4,366 |
| Loan and lease loss provision to assets | 0.0602% | 3,098 |
| Net operating income to assets | 0.8359% | 3,179 |
| Return on assets (ROA) | 0.8427% | 3,214 |
| Pretax return on assets | 1.1404% | 2,880 |
| Return on Equity (ROE) | 8.8234% | 2,543 |
| Retained earnings to average equity (ytd only) | 4.6535% | 2,676 |
| Net charge-offs to loans | 0.2336% | 1,276 |
| Credit loss provision to net charge-offs | 74.6453% | 3,047 |
| Earnings coverage of net charge-offs (x) | 14.7613% | 2,266 |
| Efficiency ratio | 67.2298% | 3,710 |
| Assets per employee ($millions) | 10.6026% | 224 |
| Cash dividends to net income (ytd only)* | 47.2590% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4680% | 2,141 |
| Loan loss allowance to noncurrent loans | 65.7520% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 0.9046% | 2,400 |
| Noncurrent loans to loans | 2.2326% | 878 |
| Net loans and leases to total assets | 37.8855% | 5,628 |
| Net loans and leases to deposits | 55.2484% | 5,095 |
| Net loans and leases to core deposits | 70.8615% | 4,228 |
| Total domestic deposits to total assets | 56.2701% | 6,112 |
| Equity capital to assets | 10.2127% | 3,731 |
| Core capital (leverage) ratio | 8.8438% | 5,060 |
| Tier 1 risk-based capital ratio | 13.3872% | 4,063 |
| Total risk-based capital ratio | 14.1183% | 4,302 |
| Memoranda: | ||
| Average total assets | $2,008,712,435,400 | 1 |
| Average earning assets | $1,783,097,078,400 | 1 |
| Average equity | $191,854,506,800 | 2 |
| Average total loans | $693,943,150,000 | 3 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0589% | 6,183 |
| Cost of funding earning assets | 0.2047% | 5,336 |
| Net interest margin | 1.8542% | 6,162 |
| Noninterest income to average assets | 1.9606% | 372 |
| Noninterest expense to average assets | 2.4558% | 4,331 |
| Loan and lease loss provision to assets | 0.0402% | 3,411 |
| Net operating income to assets | 0.8264% | 3,299 |
| Return on assets (ROA) | 0.8320% | 3,357 |
| Pretax return on assets | 1.1214% | 3,130 |
| Return on Equity (ROE) | 8.8552% | 2,653 |
| Retained earnings to average equity (ytd only) | 4.6654% | 3,153 |
| Net charge-offs to loans | 0.2261% | 1,152 |
| Credit loss provision to net charge-offs | 52.8041% | 3,006 |
| Earnings coverage of net charge-offs (x) | 15.1743% | 2,199 |
| Efficiency ratio | 67.9093% | 3,565 |
| Assets per employee ($millions) | 10.7013% | 215 |
| Cash dividends to net income (ytd only)* | 47.3149% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5049% | 2,135 |
| Loan loss allowance to noncurrent loans | 62.8246% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 0.9201% | 2,560 |
| Noncurrent loans to loans | 2.3955% | 863 |
| Net loans and leases to total assets | 35.8902% | 5,788 |
| Net loans and leases to deposits | 53.8272% | 5,262 |
| Net loans and leases to core deposits | 69.7471% | 4,396 |
| Total domestic deposits to total assets | 53.5392% | 6,205 |
| Equity capital to assets | 9.9109% | 4,273 |
| Core capital (leverage) ratio | 8.6795% | 5,375 |
| Tier 1 risk-based capital ratio | 12.9611% | 4,445 |
| Total risk-based capital ratio | 13.8520% | 4,587 |
| Memoranda: | ||
| Average total assets | $2,032,226,044,250 | 1 |
| Average earning assets | $1,807,474,598,000 | 1 |
| Average equity | $190,933,633,500 | 2 |
| Average total loans | $683,382,687,500 | 3 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0628% | 6,257 |
| Cost of funding earning assets | 0.2112% | 5,337 |
| Net interest margin | 1.8515% | 6,236 |
| Noninterest income to average assets | 2.0030% | 372 |
| Noninterest expense to average assets | 2.3964% | 4,559 |
| Loan and lease loss provision to assets | 0.0645% | 2,832 |
| Net operating income to assets | 0.8571% | 3,096 |
| Return on assets (ROA) | 0.8629% | 3,168 |
| Pretax return on assets | 1.1728% | 2,887 |
| Return on Equity (ROE) | 9.3764% | 2,349 |
| Retained earnings to average equity (ytd only) | 5.1308% | 2,780 |
| Net charge-offs to loans | 0.2424% | 1,072 |
| Credit loss provision to net charge-offs | 81.4815% | 2,311 |
| Earnings coverage of net charge-offs (x) | 15.5358% | 1,967 |
| Efficiency ratio | 65.9725% | 4,011 |
| Assets per employee ($millions) | 10.6777% | 219 |
| Cash dividends to net income (ytd only)* | 45.2796% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6084% | 1,879 |
| Loan loss allowance to noncurrent loans | 62.5282% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 0.9521% | 2,629 |
| Noncurrent loans to loans | 2.5723% | 856 |
| Net loans and leases to total assets | 34.4279% | 5,890 |
| Net loans and leases to deposits | 51.0198% | 5,449 |
| Net loans and leases to core deposits | 66.7327% | 4,592 |
| Total domestic deposits to total assets | 54.2475% | 6,278 |
| Equity capital to assets | 9.6063% | 4,524 |
| Core capital (leverage) ratio | 8.1714% | 5,810 |
| Tier 1 risk-based capital ratio | 12.6954% | 4,686 |
| Total risk-based capital ratio | 13.3523% | 4,971 |
| Memoranda: | ||
| Average total assets | $2,047,491,666,670 | 1 |
| Average earning assets | $1,794,296,000,000 | 1 |
| Average equity | $188,430,333,330 | 2 |
| Average total loans | $668,451,000,000 | 3 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0298% | 6,333 |
| Cost of funding earning assets | 0.2129% | 5,390 |
| Net interest margin | 1.8169% | 6,311 |
| Noninterest income to average assets | 2.0156% | 367 |
| Noninterest expense to average assets | 2.3884% | 4,631 |
| Loan and lease loss provision to assets | 0.0675% | 2,592 |
| Net operating income to assets | 0.8417% | 3,054 |
| Return on assets (ROA) | 0.8487% | 3,136 |
| Pretax return on assets | 1.1621% | 2,824 |
| Return on Equity (ROE) | 9.4170% | 2,255 |
| Retained earnings to average equity (ytd only) | 9.4170% | 1,064 |
| Net charge-offs to loans | 0.2603% | 923 |
| Credit loss provision to net charge-offs | 82.2430% | 1,811 |
| Earnings coverage of net charge-offs (x) | 14.8598% | 1,654 |
| Efficiency ratio | 66.0713% | 4,147 |
| Assets per employee ($millions) | 11.1317% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6911% | 1,758 |
| Loan loss allowance to noncurrent loans | 59.8474% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 0.9490% | 2,725 |
| Noncurrent loans to loans | 2.8257% | 809 |
| Net loans and leases to total assets | 31.1139% | 6,031 |
| Net loans and leases to deposits | 45.7226% | 5,664 |
| Net loans and leases to core deposits | 61.1931% | 4,897 |
| Total domestic deposits to total assets | 53.2169% | 6,354 |
| Equity capital to assets | 9.0783% | 5,214 |
| Core capital (leverage) ratio | 7.9673% | 5,959 |
| Tier 1 risk-based capital ratio | 12.4129% | 4,970 |
| Total risk-based capital ratio | 13.1215% | 5,217 |
| Memoranda: | ||
| Average total assets | $2,085,547,500,000 | 1 |
| Average earning assets | $1,828,168,000,000 | 1 |
| Average equity | $187,957,500,000 | 2 |
| Average total loans | $657,777,000,000 | 3 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1844% | 6,402 |
| Cost of funding earning assets | 0.2418% | 5,407 |
| Net interest margin | 1.9426% | 6,382 |
| Noninterest income to average assets | 1.8885% | 372 |
| Noninterest expense to average assets | 2.5320% | 4,448 |
| Loan and lease loss provision to assets | 0.0457% | 3,659 |
| Net operating income to assets | 0.7369% | 3,700 |
| Return on assets (ROA) | 0.7388% | 3,791 |
| Pretax return on assets | 1.0119% | 3,447 |
| Return on Equity (ROE) | 8.2943% | 2,972 |
| Retained earnings to average equity (ytd only) | 8.2943% | 912 |
| Net charge-offs to loans | 0.3365% | 1,304 |
| Credit loss provision to net charge-offs | 42.4988% | 3,624 |
| Earnings coverage of net charge-offs (x) | 9.8007% | 2,697 |
| Efficiency ratio | 70.3206% | 3,479 |
| Assets per employee ($millions) | 10.9933% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7407% | 1,678 |
| Loan loss allowance to noncurrent loans | 58.3350% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 0.9966% | 2,759 |
| Noncurrent loans to loans | 2.9840% | 755 |
| Net loans and leases to total assets | 30.8827% | 6,152 |
| Net loans and leases to deposits | 44.5185% | 5,863 |
| Net loans and leases to core deposits | 60.6333% | 5,089 |
| Total domestic deposits to total assets | 53.6966% | 6,440 |
| Equity capital to assets | 8.9618% | 5,331 |
| Core capital (leverage) ratio | 7.9884% | 6,011 |
| Tier 1 risk-based capital ratio | 11.8196% | 5,481 |
| Total risk-based capital ratio | 12.5293% | 5,697 |
| Memoranda: | ||
| Average total assets | $2,000,344,800,000 | 1 |
| Average earning assets | $1,748,872,400,000 | 1 |
| Average equity | $178,171,000,000 | 2 |
| Average total loans | $639,828,000,000 | 3 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2062% | 6,479 |
| Cost of funding earning assets | 0.2497% | 5,417 |
| Net interest margin | 1.9565% | 6,459 |
| Noninterest income to average assets | 1.9715% | 355 |
| Noninterest expense to average assets | 2.5568% | 4,332 |
| Loan and lease loss provision to assets | 0.0348% | 3,707 |
| Net operating income to assets | 0.7691% | 3,569 |
| Return on assets (ROA) | 0.7706% | 3,669 |
| Pretax return on assets | 1.0916% | 3,223 |
| Return on Equity (ROE) | 8.6652% | 2,863 |
| Retained earnings to average equity (ytd only) | 8.6652% | 1,111 |
| Net charge-offs to loans | 0.3260% | 1,229 |
| Credit loss provision to net charge-offs | 33.2049% | 3,408 |
| Earnings coverage of net charge-offs (x) | 10.7296% | 2,512 |
| Efficiency ratio | 69.1526% | 3,651 |
| Assets per employee ($millions) | 10.5668% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8581% | 1,554 |
| Loan loss allowance to noncurrent loans | 60.0404% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 1.0500% | 2,859 |
| Noncurrent loans to loans | 3.0947% | 843 |
| Net loans and leases to total assets | 31.2658% | 6,213 |
| Net loans and leases to deposits | 45.5896% | 5,891 |
| Net loans and leases to core deposits | 61.7171% | 5,058 |
| Total domestic deposits to total assets | 52.2666% | 6,523 |
| Equity capital to assets | 9.0936% | 5,258 |
| Core capital (leverage) ratio | 8.0157% | 6,057 |
| Tier 1 risk-based capital ratio | 11.4969% | 5,791 |
| Total risk-based capital ratio | 12.0565% | 6,033 |
| Memoranda: | ||
| Average total assets | $1,981,693,000,000 | 1 |
| Average earning assets | $1,731,299,500,000 | 1 |
| Average equity | $176,225,250,000 | 2 |
| Average total loans | $636,746,750,000 | 3 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2120% | 6,550 |
| Cost of funding earning assets | 0.2652% | 5,330 |
| Net interest margin | 1.9469% | 6,533 |
| Noninterest income to average assets | 1.9496% | 361 |
| Noninterest expense to average assets | 2.4980% | 4,583 |
| Loan and lease loss provision to assets | 0.0422% | 3,477 |
| Net operating income to assets | 0.8214% | 3,229 |
| Return on assets (ROA) | 0.8235% | 3,314 |
| Pretax return on assets | 1.1133% | 3,044 |
| Return on Equity (ROE) | 9.3315% | 2,447 |
| Retained earnings to average equity (ytd only) | 9.3315% | 875 |
| Net charge-offs to loans | 0.3326% | 1,226 |
| Credit loss provision to net charge-offs | 39.3567% | 2,937 |
| Earnings coverage of net charge-offs (x) | 10.7531% | 2,217 |
| Efficiency ratio | 68.0480% | 3,998 |
| Assets per employee ($millions) | 10.4200% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9224% | 1,524 |
| Loan loss allowance to noncurrent loans | 60.0941% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 1.1027% | 2,864 |
| Noncurrent loans to loans | 3.1990% | 886 |
| Net loans and leases to total assets | 31.5553% | 6,257 |
| Net loans and leases to deposits | 46.1714% | 5,879 |
| Net loans and leases to core deposits | 63.8156% | 4,832 |
| Total domestic deposits to total assets | 51.5747% | 6,595 |
| Equity capital to assets | 8.9688% | 5,332 |
| Core capital (leverage) ratio | 7.9113% | 6,153 |
| Tier 1 risk-based capital ratio | 11.1153% | 6,004 |
| Total risk-based capital ratio | 11.9149% | 6,140 |
| Memoranda: | ||
| Average total assets | $1,972,654,666,670 | 1 |
| Average earning assets | $1,723,291,666,670 | 1 |
| Average equity | $174,076,333,330 | 2 |
| Average total loans | $635,675,333,330 | 3 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2181% | 6,618 |
| Cost of funding earning assets | 0.2712% | 5,373 |
| Net interest margin | 1.9469% | 6,607 |
| Noninterest income to average assets | 1.7729% | 406 |
| Noninterest expense to average assets | 2.4622% | 4,752 |
| Loan and lease loss provision to assets | 0.0799% | 2,547 |
| Net operating income to assets | 0.6625% | 3,882 |
| Return on assets (ROA) | 0.6654% | 3,957 |
| Pretax return on assets | 0.9322% | 3,586 |
| Return on Equity (ROE) | 7.6038% | 3,147 |
| Retained earnings to average equity (ytd only) | 7.6038% | 1,769 |
| Net charge-offs to loans | 0.3649% | 989 |
| Credit loss provision to net charge-offs | 67.8819% | 2,028 |
| Earnings coverage of net charge-offs (x) | 8.5608% | 2,009 |
| Efficiency ratio | 70.5588% | 3,735 |
| Assets per employee ($millions) | 10.1141% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0436% | 1,433 |
| Loan loss allowance to noncurrent loans | 61.7061% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 1.1436% | 2,968 |
| Noncurrent loans to loans | 3.3118% | 919 |
| Net loans and leases to total assets | 31.3394% | 6,289 |
| Net loans and leases to deposits | 46.2544% | 5,834 |
| Net loans and leases to core deposits | 64.2349% | 4,672 |
| Total domestic deposits to total assets | 51.1536% | 6,668 |
| Equity capital to assets | 8.8098% | 5,322 |
| Core capital (leverage) ratio | 7.6758% | 6,276 |
| Tier 1 risk-based capital ratio | 11.7165% | 5,807 |
| Total risk-based capital ratio | 13.3148% | 5,533 |
| Memoranda: | ||
| Average total assets | $1,957,958,500,000 | 1 |
| Average earning assets | $1,706,289,000,000 | 1 |
| Average equity | $171,334,500,000 | 2 |
| Average total loans | $631,446,000,000 | 3 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2837% | 6,675 |
| Cost of funding earning assets | 0.3085% | 5,531 |
| Net interest margin | 1.9752% | 6,652 |
| Noninterest income to average assets | 1.9573% | 403 |
| Noninterest expense to average assets | 2.5968% | 4,474 |
| Loan and lease loss provision to assets | -0.0665% | 6,422 |
| Net operating income to assets | 0.7717% | 3,437 |
| Return on assets (ROA) | 0.7935% | 3,421 |
| Pretax return on assets | 1.1653% | 2,710 |
| Return on Equity (ROE) | 10.0207% | 2,100 |
| Retained earnings to average equity (ytd only) | 9.3716% | 688 |
| Net charge-offs to loans | 0.4319% | 1,541 |
| Credit loss provision to net charge-offs | -47.9082% | 5,793 |
| Earnings coverage of net charge-offs (x) | 7.6820% | 2,794 |
| Efficiency ratio | 70.4559% | 3,763 |
| Assets per employee ($millions) | 9.8018% | 248 |
| Cash dividends to net income (ytd only)* | 6.4775% | 4,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0766% | 1,376 |
| Loan loss allowance to noncurrent loans | 59.3922% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 1.2967% | 2,831 |
| Noncurrent loans to loans | 3.4964% | 898 |
| Net loans and leases to total assets | 31.8354% | 6,395 |
| Net loans and leases to deposits | 46.7067% | 5,967 |
| Net loans and leases to core deposits | 64.6814% | 4,809 |
| Total domestic deposits to total assets | 51.6123% | 6,749 |
| Equity capital to assets | 8.6908% | 5,382 |
| Core capital (leverage) ratio | 7.3511% | 6,426 |
| Tier 1 risk-based capital ratio | 11.6149% | 5,848 |
| Total risk-based capital ratio | 13.7569% | 5,240 |
| Memoranda: | ||
| Average total assets | $1,945,611,800,000 | 1 |
| Average earning assets | $1,680,421,000,000 | 1 |
| Average equity | $154,060,600,000 | 2 |
| Average total loans | $625,362,200,000 | 3 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2788% | 6,756 |
| Cost of funding earning assets | 0.3159% | 5,592 |
| Net interest margin | 1.9630% | 6,732 |
| Noninterest income to average assets | 2.0324% | 409 |
| Noninterest expense to average assets | 2.8119% | 3,616 |
| Loan and lease loss provision to assets | -0.0671% | 6,572 |
| Net operating income to assets | 0.6946% | 3,886 |
| Return on assets (ROA) | 0.7257% | 3,848 |
| Pretax return on assets | 1.0263% | 3,393 |
| Return on Equity (ROE) | 9.3939% | 2,447 |
| Retained earnings to average equity (ytd only) | 8.5068% | 1,222 |
| Net charge-offs to loans | 0.4432% | 1,449 |
| Credit loss provision to net charge-offs | -47.2262% | 5,705 |
| Earnings coverage of net charge-offs (x) | 6.4419% | 2,974 |
| Efficiency ratio | 75.0161% | 2,902 |
| Assets per employee ($millions) | 9.9320% | 239 |
| Cash dividends to net income (ytd only)* | 9.4429% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2646% | 1,231 |
| Loan loss allowance to noncurrent loans | 59.0531% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 1.3489% | 2,940 |
| Noncurrent loans to loans | 3.8348% | 940 |
| Net loans and leases to total assets | 30.6508% | 6,510 |
| Net loans and leases to deposits | 45.8624% | 6,109 |
| Net loans and leases to core deposits | 65.0890% | 4,796 |
| Total domestic deposits to total assets | 49.1135% | 6,831 |
| Equity capital to assets | 7.7568% | 6,278 |
| Core capital (leverage) ratio | 6.5519% | 6,660 |
| Tier 1 risk-based capital ratio | 10.3731% | 6,489 |
| Total risk-based capital ratio | 12.9556% | 5,905 |
| Memoranda: | ||
| Average total assets | $1,945,648,000,000 | 1 |
| Average earning assets | $1,679,637,250,000 | 1 |
| Average equity | $150,306,500,000 | 2 |
| Average total loans | $623,582,250,000 | 3 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3085% | 6,796 |
| Cost of funding earning assets | 0.3258% | 5,605 |
| Net interest margin | 1.9826% | 6,772 |
| Noninterest income to average assets | 2.1922% | 393 |
| Noninterest expense to average assets | 2.5358% | 4,606 |
| Loan and lease loss provision to assets | -0.0132% | 6,581 |
| Net operating income to assets | 1.0088% | 2,294 |
| Return on assets (ROA) | 1.0554% | 2,210 |
| Pretax return on assets | 1.4399% | 1,797 |
| Return on Equity (ROE) | 13.6803% | 1,074 |
| Retained earnings to average equity (ytd only) | 12.3377% | 443 |
| Net charge-offs to loans | 0.4600% | 1,433 |
| Credit loss provision to net charge-offs | -8.8563% | 5,449 |
| Earnings coverage of net charge-offs (x) | 9.1736% | 2,315 |
| Efficiency ratio | 64.6305% | 4,771 |
| Assets per employee ($millions) | 9.7347% | 239 |
| Cash dividends to net income (ytd only)* | 9.8145% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5207% | 962 |
| Loan loss allowance to noncurrent loans | 55.2768% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 1.5965% | 2,719 |
| Noncurrent loans to loans | 4.5601% | 759 |
| Net loans and leases to total assets | 31.0204% | 6,544 |
| Net loans and leases to deposits | 48.3583% | 5,960 |
| Net loans and leases to core deposits | 68.8351% | 4,416 |
| Total domestic deposits to total assets | 47.0554% | 6,881 |
| Equity capital to assets | 7.7645% | 6,333 |
| Core capital (leverage) ratio | 6.3440% | 6,718 |
| Tier 1 risk-based capital ratio | 9.7465% | 6,682 |
| Total risk-based capital ratio | 12.5672% | 6,161 |
| Memoranda: | ||
| Average total assets | $1,930,905,666,670 | 1 |
| Average earning assets | $1,661,619,000,000 | 1 |
| Average equity | $148,958,333,330 | 2 |
| Average total loans | $623,428,000,000 | 3 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3337% | 6,862 |
| Cost of funding earning assets | 0.3247% | 5,763 |
| Net interest margin | 2.0090% | 6,835 |
| Noninterest income to average assets | 2.1308% | 400 |
| Noninterest expense to average assets | 2.5370% | 4,620 |
| Loan and lease loss provision to assets | 0.0108% | 4,313 |
| Net operating income to assets | 1.0108% | 2,179 |
| Return on assets (ROA) | 1.0919% | 1,996 |
| Pretax return on assets | 1.4161% | 1,808 |
| Return on Equity (ROE) | 14.2012% | 931 |
| Retained earnings to average equity (ytd only) | 11.4951% | 781 |
| Net charge-offs to loans | 0.5400% | 1,122 |
| Credit loss provision to net charge-offs | 6.1611% | 3,184 |
| Earnings coverage of net charge-offs (x) | 7.5249% | 2,057 |
| Efficiency ratio | 65.3257% | 4,775 |
| Assets per employee ($millions) | 9.6586% | 256 |
| Cash dividends to net income (ytd only)* | 19.0549% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6258% | 988 |
| Loan loss allowance to noncurrent loans | 53.5810% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 1.7098% | 2,726 |
| Noncurrent loans to loans | 4.9006% | 786 |
| Net loans and leases to total assets | 31.2159% | 6,552 |
| Net loans and leases to deposits | 47.5255% | 5,955 |
| Net loans and leases to core deposits | 69.2663% | 4,159 |
| Total domestic deposits to total assets | 46.6334% | 6,956 |
| Equity capital to assets | 7.6797% | 6,532 |
| Core capital (leverage) ratio | 6.3310% | 6,769 |
| Tier 1 risk-based capital ratio | 9.5786% | 6,751 |
| Total risk-based capital ratio | 12.5739% | 6,244 |
| Memoranda: | ||
| Average total assets | $1,922,461,500,000 | 1 |
| Average earning assets | $1,653,153,000,000 | 1 |
| Average equity | $147,819,000,000 | 3 |
| Average total loans | $625,223,000,000 | 3 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6031% | 6,904 |
| Cost of funding earning assets | 0.3861% | 6,009 |
| Net interest margin | 2.2170% | 6,875 |
| Noninterest income to average assets | 1.9125% | 463 |
| Noninterest expense to average assets | 2.8726% | 3,750 |
| Loan and lease loss provision to assets | 0.0370% | 5,419 |
| Net operating income to assets | 0.6736% | 3,865 |
| Return on assets (ROA) | 0.7573% | 3,719 |
| Pretax return on assets | 0.9896% | 3,582 |
| Return on Equity (ROE) | 10.1259% | 2,117 |
| Retained earnings to average equity (ytd only) | 8.6747% | 921 |
| Net charge-offs to loans | 0.8186% | 1,428 |
| Credit loss provision to net charge-offs | 13.6118% | 5,359 |
| Earnings coverage of net charge-offs (x) | 3.3804% | 3,752 |
| Efficiency ratio | 74.8740% | 2,922 |
| Assets per employee ($millions) | 9.3033% | 299 |
| Cash dividends to net income (ytd only)* | 14.3318% | 3,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7465% | 880 |
| Loan loss allowance to noncurrent loans | 52.5606% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 1.8563% | 2,627 |
| Noncurrent loans to loans | 5.2255% | 740 |
| Net loans and leases to total assets | 32.0926% | 6,624 |
| Net loans and leases to deposits | 48.8414% | 6,047 |
| Net loans and leases to core deposits | 70.6497% | 4,211 |
| Total domestic deposits to total assets | 47.6946% | 7,019 |
| Equity capital to assets | 7.6986% | 6,555 |
| Core capital (leverage) ratio | 6.1585% | 6,837 |
| Tier 1 risk-based capital ratio | 10.2038% | 6,649 |
| Total risk-based capital ratio | 13.4035% | 5,645 |
| Memoranda: | ||
| Average total assets | $1,842,812,600,000 | 1 |
| Average earning assets | $1,560,864,400,000 | 1 |
| Average equity | $137,815,200,000 | 3 |
| Average total loans | $611,159,800,000 | 3 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6657% | 7,007 |
| Cost of funding earning assets | 0.4022% | 6,107 |
| Net interest margin | 2.2635% | 6,959 |
| Noninterest income to average assets | 1.9236% | 442 |
| Noninterest expense to average assets | 2.9283% | 3,488 |
| Loan and lease loss provision to assets | 0.0582% | 5,005 |
| Net operating income to assets | 0.6405% | 4,193 |
| Return on assets (ROA) | 0.7450% | 3,963 |
| Pretax return on assets | 0.9885% | 3,759 |
| Return on Equity (ROE) | 10.0388% | 2,334 |
| Retained earnings to average equity (ytd only) | 8.0747% | 1,593 |
| Net charge-offs to loans | 0.9363% | 1,155 |
| Credit loss provision to net charge-offs | 18.7060% | 4,971 |
| Earnings coverage of net charge-offs (x) | 2.9173% | 3,862 |
| Efficiency ratio | 75.7402% | 2,712 |
| Assets per employee ($millions) | 9.0860% | 315 |
| Cash dividends to net income (ytd only)* | 19.5656% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9571% | 753 |
| Loan loss allowance to noncurrent loans | 52.5779% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 1.9867% | 2,659 |
| Noncurrent loans to loans | 5.6243% | 756 |
| Net loans and leases to total assets | 31.9966% | 6,743 |
| Net loans and leases to deposits | 49.8856% | 6,116 |
| Net loans and leases to core deposits | 73.6409% | 4,019 |
| Total domestic deposits to total assets | 46.0320% | 7,122 |
| Equity capital to assets | 7.6960% | 6,714 |
| Core capital (leverage) ratio | 6.0811% | 6,942 |
| Tier 1 risk-based capital ratio | 9.6623% | 6,878 |
| Total risk-based capital ratio | 12.8951% | 6,117 |
| Memoranda: | ||
| Average total assets | $1,829,322,500,000 | 1 |
| Average earning assets | $1,545,085,500,000 | 1 |
| Average equity | $135,762,750,000 | 3 |
| Average total loans | $607,471,250,000 | 3 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7467% | 7,062 |
| Cost of funding earning assets | 0.4232% | 6,140 |
| Net interest margin | 2.3236% | 6,998 |
| Noninterest income to average assets | 1.8387% | 456 |
| Noninterest expense to average assets | 3.0508% | 3,081 |
| Loan and lease loss provision to assets | -0.0091% | 7,026 |
| Net operating income to assets | 0.5620% | 4,525 |
| Return on assets (ROA) | 0.6832% | 4,221 |
| Pretax return on assets | 0.9158% | 4,018 |
| Return on Equity (ROE) | 9.3221% | 2,664 |
| Retained earnings to average equity (ytd only) | 6.3271% | 2,488 |
| Net charge-offs to loans | 0.7992% | 1,376 |
| Credit loss provision to net charge-offs | -3.4241% | 5,909 |
| Earnings coverage of net charge-offs (x) | 2.8012% | 3,626 |
| Efficiency ratio | 79.7502% | 2,226 |
| Assets per employee ($millions) | 8.8066% | 344 |
| Cash dividends to net income (ytd only)* | 32.1285% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0978% | 715 |
| Loan loss allowance to noncurrent loans | 55.8778% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 2.0135% | 2,762 |
| Noncurrent loans to loans | 5.5439% | 837 |
| Net loans and leases to total assets | 32.7833% | 6,782 |
| Net loans and leases to deposits | 51.1009% | 6,098 |
| Net loans and leases to core deposits | 75.5442% | 3,812 |
| Total domestic deposits to total assets | 45.9203% | 7,188 |
| Equity capital to assets | 7.5152% | 6,794 |
| Core capital (leverage) ratio | 5.8115% | 7,007 |
| Tier 1 risk-based capital ratio | 9.1216% | 6,971 |
| Total risk-based capital ratio | 12.4015% | 6,406 |
| Memoranda: | ||
| Average total assets | $1,822,357,333,330 | 1 |
| Average earning assets | $1,535,057,000,000 | 1 |
| Average equity | $133,553,000,000 | 3 |
| Average total loans | $606,612,666,670 | 3 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7999% | 7,108 |
| Cost of funding earning assets | 0.4210% | 6,310 |
| Net interest margin | 2.3789% | 7,024 |
| Noninterest income to average assets | 2.2330% | 344 |
| Noninterest expense to average assets | 3.4288% | 1,937 |
| Loan and lease loss provision to assets | 0.0315% | 4,976 |
| Net operating income to assets | 0.6140% | 4,288 |
| Return on assets (ROA) | 0.7034% | 4,087 |
| Pretax return on assets | 0.8888% | 4,073 |
| Return on Equity (ROE) | 9.7208% | 2,508 |
| Retained earnings to average equity (ytd only) | 3.6699% | 4,382 |
| Net charge-offs to loans | 0.8295% | 1,241 |
| Credit loss provision to net charge-offs | 11.5108% | 3,881 |
| Earnings coverage of net charge-offs (x) | 2.9472% | 3,006 |
| Efficiency ratio | 80.3918% | 2,154 |
| Assets per employee ($millions) | 9.0006% | 322 |
| Cash dividends to net income (ytd only)* | 62.2471% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3726% | 587 |
| Loan loss allowance to noncurrent loans | 57.9334% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 2.0376% | 2,844 |
| Noncurrent loans to loans | 5.8215% | 884 |
| Net loans and leases to total assets | 31.7255% | 6,841 |
| Net loans and leases to deposits | 49.1864% | 6,206 |
| Net loans and leases to core deposits | 73.7592% | 3,925 |
| Total domestic deposits to total assets | 45.7226% | 7,253 |
| Equity capital to assets | 7.2532% | 6,865 |
| Core capital (leverage) ratio | 5.6515% | 7,071 |
| Tier 1 risk-based capital ratio | 8.9857% | 7,032 |
| Total risk-based capital ratio | 12.4398% | 6,437 |
| Memoranda: | ||
| Average total assets | $1,827,123,500,000 | 1 |
| Average earning assets | $1,538,337,000,000 | 1 |
| Average equity | $132,211,000,000 | 3 |
| Average total loans | $603,268,000,000 | 3 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9544% | 7,186 |
| Cost of funding earning assets | 0.5399% | 6,384 |
| Net interest margin | 2.4145% | 7,096 |
| Noninterest income to average assets | 2.0532% | 360 |
| Noninterest expense to average assets | 2.9394% | 3,811 |
| Loan and lease loss provision to assets | 0.3061% | 3,221 |
| Net operating income to assets | 0.6460% | 3,756 |
| Return on assets (ROA) | 0.7089% | 3,626 |
| Pretax return on assets | 0.9305% | 3,509 |
| Return on Equity (ROE) | 9.8384% | 2,111 |
| Retained earnings to average equity (ytd only) | 5.0993% | 2,561 |
| Net charge-offs to loans | 1.1024% | 1,565 |
| Credit loss provision to net charge-offs | 85.2321% | 4,231 |
| Earnings coverage of net charge-offs (x) | 3.2123% | 3,614 |
| Efficiency ratio | 71.1402% | 3,758 |
| Assets per employee ($millions) | 9.0185% | 325 |
| Cash dividends to net income (ytd only)* | 48.1696% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5752% | 510 |
| Loan loss allowance to noncurrent loans | 60.7336% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 2.0502% | 2,900 |
| Noncurrent loans to loans | 5.8866% | 861 |
| Net loans and leases to total assets | 32.0179% | 6,942 |
| Net loans and leases to deposits | 48.7144% | 6,447 |
| Net loans and leases to core deposits | 73.4521% | 4,308 |
| Total domestic deposits to total assets | 46.0911% | 7,294 |
| Equity capital to assets | 7.2186% | 6,897 |
| Core capital (leverage) ratio | 5.5011% | 7,098 |
| Tier 1 risk-based capital ratio | 9.4377% | 6,973 |
| Total risk-based capital ratio | 13.0422% | 5,945 |
| Memoranda: | ||
| Average total assets | $1,757,082,121,400 | 1 |
| Average earning assets | $1,484,536,591,000 | 1 |
| Average equity | $126,606,341,000 | 3 |
| Average total loans | $572,461,200,000 | 4 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9723% | 7,270 |
| Cost of funding earning assets | 0.5717% | 6,422 |
| Net interest margin | 2.4006% | 7,177 |
| Noninterest income to average assets | 2.2231% | 321 |
| Noninterest expense to average assets | 3.0439% | 3,381 |
| Loan and lease loss provision to assets | 0.2983% | 3,142 |
| Net operating income to assets | 0.6724% | 3,754 |
| Return on assets (ROA) | 0.7546% | 3,528 |
| Pretax return on assets | 1.0268% | 3,307 |
| Return on Equity (ROE) | 10.4981% | 2,032 |
| Retained earnings to average equity (ytd only) | 5.1778% | 3,078 |
| Net charge-offs to loans | 1.0753% | 1,481 |
| Credit loss provision to net charge-offs | 85.5638% | 3,941 |
| Earnings coverage of net charge-offs (x) | 3.4776% | 3,426 |
| Efficiency ratio | 70.8538% | 3,775 |
| Assets per employee ($millions) | 9.2623% | 306 |
| Cash dividends to net income (ytd only)* | 50.6791% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7715% | 470 |
| Loan loss allowance to noncurrent loans | 61.4846% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 2.1204% | 3,007 |
| Noncurrent loans to loans | 6.1340% | 895 |
| Net loans and leases to total assets | 30.4213% | 7,076 |
| Net loans and leases to deposits | 47.4415% | 6,657 |
| Net loans and leases to core deposits | 72.6639% | 4,629 |
| Total domestic deposits to total assets | 43.5557% | 7,372 |
| Equity capital to assets | 7.0652% | 7,043 |
| Core capital (leverage) ratio | 5.4767% | 7,186 |
| Tier 1 risk-based capital ratio | 9.3270% | 7,077 |
| Total risk-based capital ratio | 12.9760% | 6,083 |
| Memoranda: | ||
| Average total assets | $1,743,132,000,000 | 1 |
| Average earning assets | $1,476,365,500,000 | 1 |
| Average equity | $125,302,000,000 | 3 |
| Average total loans | $565,184,500,000 | 4 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9945% | 7,338 |
| Cost of funding earning assets | 0.5825% | 6,533 |
| Net interest margin | 2.4120% | 7,226 |
| Noninterest income to average assets | 2.1725% | 324 |
| Noninterest expense to average assets | 3.1396% | 3,116 |
| Loan and lease loss provision to assets | 0.2677% | 3,256 |
| Net operating income to assets | 0.5759% | 4,180 |
| Return on assets (ROA) | 0.6511% | 3,918 |
| Pretax return on assets | 0.9312% | 3,503 |
| Return on Equity (ROE) | 9.0023% | 2,513 |
| Retained earnings to average equity (ytd only) | 2.5537% | 4,667 |
| Net charge-offs to loans | 1.1741% | 1,333 |
| Credit loss provision to net charge-offs | 69.7025% | 4,062 |
| Earnings coverage of net charge-offs (x) | 2.8418% | 3,424 |
| Efficiency ratio | 73.5429% | 3,457 |
| Assets per employee ($millions) | 9.3674% | 290 |
| Cash dividends to net income (ytd only)* | 71.6332% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7648% | 484 |
| Loan loss allowance to noncurrent loans | 57.8699% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 2.2543% | 2,911 |
| Noncurrent loans to loans | 6.5056% | 858 |
| Net loans and leases to total assets | 30.6076% | 7,159 |
| Net loans and leases to deposits | 47.9130% | 6,732 |
| Net loans and leases to core deposits | 77.3624% | 4,141 |
| Total domestic deposits to total assets | 41.4988% | 7,447 |
| Equity capital to assets | 7.0000% | 7,102 |
| Core capital (leverage) ratio | 5.4941% | 7,256 |
| Tier 1 risk-based capital ratio | 9.3166% | 7,138 |
| Total risk-based capital ratio | 13.1069% | 5,869 |
| Memoranda: | ||
| Average total assets | $1,715,380,333,330 | 1 |
| Average earning assets | $1,464,031,666,670 | 1 |
| Average equity | $124,056,666,670 | 3 |
| Average total loans | $561,117,333,330 | 3 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9695% | 7,405 |
| Cost of funding earning assets | 0.5502% | 6,803 |
| Net interest margin | 2.4193% | 7,247 |
| Noninterest income to average assets | 2.1069% | 338 |
| Noninterest expense to average assets | 3.0528% | 3,449 |
| Loan and lease loss provision to assets | 0.2554% | 3,102 |
| Net operating income to assets | 0.6288% | 3,872 |
| Return on assets (ROA) | 0.6440% | 3,857 |
| Pretax return on assets | 0.8832% | 3,567 |
| Return on Equity (ROE) | 8.7554% | 2,584 |
| Retained earnings to average equity (ytd only) | 2.2723% | 4,789 |
| Net charge-offs to loans | 1.2441% | 1,118 |
| Credit loss provision to net charge-offs | 61.8360% | 3,514 |
| Earnings coverage of net charge-offs (x) | 2.7061% | 2,996 |
| Efficiency ratio | 72.5157% | 3,767 |
| Assets per employee ($millions) | 9.3315% | 298 |
| Cash dividends to net income (ytd only)* | 74.0466% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8936% | 450 |
| Loan loss allowance to noncurrent loans | 54.4214% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 2.5177% | 2,714 |
| Noncurrent loans to loans | 7.1545% | 758 |
| Net loans and leases to total assets | 31.1931% | 7,199 |
| Net loans and leases to deposits | 49.1856% | 6,671 |
| Net loans and leases to core deposits | 80.4887% | 3,668 |
| Total domestic deposits to total assets | 40.7366% | 7,509 |
| Equity capital to assets | 7.1704% | 7,030 |
| Core capital (leverage) ratio | 5.7112% | 7,293 |
| Tier 1 risk-based capital ratio | 9.4479% | 7,155 |
| Total risk-based capital ratio | 13.4223% | 5,528 |
| Memoranda: | ||
| Average total assets | $1,677,540,500,000 | 1 |
| Average earning assets | $1,430,819,500,000 | 1 |
| Average equity | $123,398,000,000 | 3 |
| Average total loans | $556,853,000,000 | 3 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1173% | 7,474 |
| Cost of funding earning assets | 0.5080% | 7,290 |
| Net interest margin | 2.6093% | 7,199 |
| Noninterest income to average assets | 2.1937% | 339 |
| Noninterest expense to average assets | 3.0339% | 3,715 |
| Loan and lease loss provision to assets | 0.5900% | 2,778 |
| Net operating income to assets | 0.5892% | 3,723 |
| Return on assets (ROA) | 0.7260% | 3,247 |
| Pretax return on assets | 0.9673% | 3,038 |
| Return on Equity (ROE) | 9.2253% | 2,209 |
| Retained earnings to average equity (ytd only) | -2.8660% | 6,088 |
| Net charge-offs to loans | 1.9833% | 1,022 |
| Credit loss provision to net charge-offs | 86.4610% | 5,262 |
| Earnings coverage of net charge-offs (x) | 2.0148% | 4,224 |
| Efficiency ratio | 68.0712% | 4,551 |
| Assets per employee ($millions) | 9.0023% | 337 |
| Cash dividends to net income (ytd only)* | 131.0671% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0473% | 384 |
| Loan loss allowance to noncurrent loans | 51.9533% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 2.8396% | 2,469 |
| Noncurrent loans to loans | 7.7902% | 673 |
| Net loans and leases to total assets | 32.5989% | 7,273 |
| Net loans and leases to deposits | 52.1464% | 6,737 |
| Net loans and leases to core deposits | 82.8021% | 3,778 |
| Total domestic deposits to total assets | 41.2748% | 7,580 |
| Equity capital to assets | 7.5518% | 6,852 |
| Core capital (leverage) ratio | 5.6944% | 7,344 |
| Tier 1 risk-based capital ratio | 9.5004% | 7,136 |
| Total risk-based capital ratio | 13.5050% | 5,218 |
| Memoranda: | ||
| Average total assets | $1,628,922,400,000 | 1 |
| Average earning assets | $1,382,809,800,000 | 1 |
| Average equity | $128,191,200,000 | 2 |
| Average total loans | $560,482,800,000 | 3 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1376% | 7,606 |
| Cost of funding earning assets | 0.4950% | 7,452 |
| Net interest margin | 2.6426% | 7,281 |
| Noninterest income to average assets | 2.1877% | 334 |
| Noninterest expense to average assets | 2.9933% | 3,770 |
| Loan and lease loss provision to assets | 0.5494% | 2,747 |
| Net operating income to assets | 0.6525% | 3,633 |
| Return on assets (ROA) | 0.7566% | 3,346 |
| Pretax return on assets | 1.0318% | 3,064 |
| Return on Equity (ROE) | 9.5181% | 2,315 |
| Retained earnings to average equity (ytd only) | 3.3375% | 4,099 |
| Net charge-offs to loans | 1.9792% | 958 |
| Credit loss provision to net charge-offs | 80.4147% | 5,121 |
| Earnings coverage of net charge-offs (x) | 2.1057% | 4,145 |
| Efficiency ratio | 66.8126% | 4,696 |
| Assets per employee ($millions) | 9.2546% | 322 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9776% | 379 |
| Loan loss allowance to noncurrent loans | 51.1818% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 2.8511% | 2,544 |
| Noncurrent loans to loans | 7.7715% | 685 |
| Net loans and leases to total assets | 32.7765% | 7,385 |
| Net loans and leases to deposits | 54.7054% | 6,716 |
| Net loans and leases to core deposits | 90.6395% | 3,004 |
| Total domestic deposits to total assets | 39.2819% | 7,687 |
| Equity capital to assets | 8.0459% | 6,759 |
| Core capital (leverage) ratio | 6.2599% | 7,394 |
| Tier 1 risk-based capital ratio | 10.2286% | 6,945 |
| Total risk-based capital ratio | 14.2692% | 4,540 |
| Memoranda: | ||
| Average total assets | $1,628,247,750,000 | 1 |
| Average earning assets | $1,382,744,250,000 | 1 |
| Average equity | $129,434,750,000 | 2 |
| Average total loans | $562,022,250,000 | 3 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1783% | 7,680 |
| Cost of funding earning assets | 0.5146% | 7,524 |
| Net interest margin | 2.6637% | 7,290 |
| Noninterest income to average assets | 2.3216% | 287 |
| Noninterest expense to average assets | 3.0560% | 3,494 |
| Loan and lease loss provision to assets | 0.5888% | 2,426 |
| Net operating income to assets | 0.6773% | 3,497 |
| Return on assets (ROA) | 0.8236% | 3,004 |
| Pretax return on assets | 1.1451% | 2,607 |
| Return on Equity (ROE) | 10.4028% | 1,963 |
| Retained earnings to average equity (ytd only) | 4.1782% | 3,412 |
| Net charge-offs to loans | 2.1979% | 813 |
| Credit loss provision to net charge-offs | 77.3176% | 4,780 |
| Earnings coverage of net charge-offs (x) | 2.0102% | 4,017 |
| Efficiency ratio | 65.9182% | 4,996 |
| Assets per employee ($millions) | 9.0330% | 339 |
| Cash dividends to net income (ytd only)* | 59.8355% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0161% | 371 |
| Loan loss allowance to noncurrent loans | 50.5978% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 3.0232% | 2,357 |
| Noncurrent loans to loans | 7.9373% | 657 |
| Net loans and leases to total assets | 34.3125% | 7,411 |
| Net loans and leases to deposits | 55.5241% | 6,761 |
| Net loans and leases to core deposits | 92.7420% | 2,884 |
| Total domestic deposits to total assets | 40.3759% | 7,753 |
| Equity capital to assets | 8.3480% | 6,361 |
| Core capital (leverage) ratio | 6.0935% | 7,467 |
| Tier 1 risk-based capital ratio | 10.5034% | 6,683 |
| Total risk-based capital ratio | 14.6062% | 4,130 |
| Memoranda: | ||
| Average total assets | $1,623,433,333,330 | 1 |
| Average earning assets | $1,380,501,666,670 | 1 |
| Average equity | $128,523,000,000 | 2 |
| Average total loans | $562,456,666,670 | 3 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2106% | 7,775 |
| Cost of funding earning assets | 0.5220% | 7,645 |
| Net interest margin | 2.6886% | 7,312 |
| Noninterest income to average assets | 2.3068% | 277 |
| Noninterest expense to average assets | 3.0864% | 3,322 |
| Loan and lease loss provision to assets | 0.8264% | 1,532 |
| Net operating income to assets | 0.5334% | 4,217 |
| Return on assets (ROA) | 0.6623% | 3,718 |
| Pretax return on assets | 0.8525% | 3,654 |
| Return on Equity (ROE) | 8.5886% | 2,632 |
| Retained earnings to average equity (ytd only) | 2.3058% | 4,753 |
| Net charge-offs to loans | 2.7000% | 596 |
| Credit loss provision to net charge-offs | 89.6923% | 3,668 |
| Earnings coverage of net charge-offs (x) | 1.6419% | 3,749 |
| Efficiency ratio | 66.4138% | 5,028 |
| Assets per employee ($millions) | 9.9733% | 268 |
| Cash dividends to net income (ytd only)* | 73.1529% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1505% | 328 |
| Loan loss allowance to noncurrent loans | 50.3950% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 2.9201% | 2,454 |
| Noncurrent loans to loans | 8.2360% | 643 |
| Net loans and leases to total assets | 32.4583% | 7,555 |
| Net loans and leases to deposits | 53.2561% | 6,967 |
| Net loans and leases to core deposits | 93.2317% | 2,946 |
| Total domestic deposits to total assets | 38.0074% | 7,861 |
| Equity capital to assets | 7.6063% | 6,989 |
| Core capital (leverage) ratio | 5.9723% | 7,584 |
| Tier 1 risk-based capital ratio | 10.0144% | 7,028 |
| Total risk-based capital ratio | 14.1216% | 4,397 |
| Memoranda: | ||
| Average total assets | $1,651,103,500,000 | 1 |
| Average earning assets | $1,407,708,500,000 | 1 |
| Average equity | $127,332,000,000 | 2 |
| Average total loans | $563,402,500,000 | 3 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5501% | 7,820 |
| Cost of funding earning assets | 0.7421% | 7,631 |
| Net interest margin | 2.8080% | 7,045 |
| Noninterest income to average assets | 2.2093% | 326 |
| Noninterest expense to average assets | 2.6108% | 5,761 |
| Loan and lease loss provision to assets | 1.3359% | 1,717 |
| Net operating income to assets | 0.4429% | 3,959 |
| Return on assets (ROA) | 0.5016% | 3,816 |
| Pretax return on assets | 0.7123% | 3,529 |
| Return on Equity (ROE) | 6.5207% | 2,981 |
| Retained earnings to average equity (ytd only) | -5.2479% | 6,057 |
| Net charge-offs to loans | 2.5970% | 875 |
| Credit loss provision to net charge-offs | 142.5947% | 3,385 |
| Earnings coverage of net charge-offs (x) | 2.0976% | 4,163 |
| Efficiency ratio | 56.2748% | 6,979 |
| Assets per employee ($millions) | 9.8393% | 271 |
| Cash dividends to net income (ytd only)* | 180.4797% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2458% | 304 |
| Loan loss allowance to noncurrent loans | 51.9862% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 2.9465% | 2,379 |
| Noncurrent loans to loans | 8.1673% | 605 |
| Net loans and leases to total assets | 32.9291% | 7,627 |
| Net loans and leases to deposits | 52.3401% | 7,138 |
| Net loans and leases to core deposits | 96.9528% | 4,355 |
| Total domestic deposits to total assets | 38.7192% | 7,935 |
| Equity capital to assets | 7.8206% | 6,746 |
| Core capital (leverage) ratio | 5.9893% | 7,637 |
| Tier 1 risk-based capital ratio | 9.5230% | 7,208 |
| Total risk-based capital ratio | 13.5026% | 4,682 |
| Memoranda: | ||
| Average total assets | $1,679,191,200,000 | 1 |
| Average earning assets | $1,415,218,400,000 | 1 |
| Average equity | $129,157,000,000 | 2 |
| Average total loans | $605,781,800,000 | 2 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6091% | 7,919 |
| Cost of funding earning assets | 0.7837% | 7,717 |
| Net interest margin | 2.8254% | 7,013 |
| Noninterest income to average assets | 2.3373% | 298 |
| Noninterest expense to average assets | 2.6834% | 5,395 |
| Loan and lease loss provision to assets | 1.3336% | 1,449 |
| Net operating income to assets | 0.4708% | 4,118 |
| Return on assets (ROA) | 0.5156% | 4,013 |
| Pretax return on assets | 0.7570% | 3,681 |
| Return on Equity (ROE) | 6.7301% | 3,198 |
| Retained earnings to average equity (ytd only) | -6.8474% | 6,492 |
| Net charge-offs to loans | 2.4167% | 763 |
| Credit loss provision to net charge-offs | 151.2646% | 3,172 |
| Earnings coverage of net charge-offs (x) | 2.3007% | 4,102 |
| Efficiency ratio | 56.1961% | 6,970 |
| Assets per employee ($millions) | 10.1890% | 250 |
| Cash dividends to net income (ytd only)* | 201.7423% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9438% | 311 |
| Loan loss allowance to noncurrent loans | 53.7387% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 2.6940% | 2,590 |
| Noncurrent loans to loans | 7.3389% | 713 |
| Net loans and leases to total assets | 33.2611% | 7,708 |
| Net loans and leases to deposits | 57.7054% | 6,983 |
| Net loans and leases to core deposits | 104.3225% | 3,893 |
| Total domestic deposits to total assets | 36.1184% | 8,022 |
| Equity capital to assets | 7.6680% | 7,176 |
| Core capital (leverage) ratio | 5.9311% | 7,815 |
| Tier 1 risk-based capital ratio | 9.0651% | 7,596 |
| Total risk-based capital ratio | 12.9394% | 5,203 |
| Memoranda: | ||
| Average total assets | $1,692,068,000,000 | 1 |
| Average earning assets | $1,422,036,000,000 | 1 |
| Average equity | $129,622,750,000 | 2 |
| Average total loans | $617,290,500,000 | 2 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6874% | 7,997 |
| Cost of funding earning assets | 0.8200% | 7,795 |
| Net interest margin | 2.8673% | 6,872 |
| Noninterest income to average assets | 2.3095% | 294 |
| Noninterest expense to average assets | 2.7052% | 5,365 |
| Loan and lease loss provision to assets | 1.3873% | 1,250 |
| Net operating income to assets | 0.4146% | 4,448 |
| Return on assets (ROA) | 0.4659% | 4,345 |
| Pretax return on assets | 0.6885% | 4,039 |
| Return on Equity (ROE) | 6.0838% | 3,607 |
| Retained earnings to average equity (ytd only) | -0.0630% | 5,234 |
| Net charge-offs to loans | 2.1827% | 837 |
| Credit loss provision to net charge-offs | 171.3621% | 2,686 |
| Earnings coverage of net charge-offs (x) | 2.4736% | 3,827 |
| Efficiency ratio | 56.7082% | 7,026 |
| Assets per employee ($millions) | 9.9883% | 263 |
| Cash dividends to net income (ytd only)* | 101.0356% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6816% | 326 |
| Loan loss allowance to noncurrent loans | 62.1135% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 2.2793% | 2,857 |
| Noncurrent loans to loans | 5.9272% | 929 |
| Net loans and leases to total assets | 34.5818% | 7,752 |
| Net loans and leases to deposits | 59.0510% | 6,963 |
| Net loans and leases to core deposits | 107.6233% | 3,649 |
| Total domestic deposits to total assets | 37.1469% | 8,108 |
| Equity capital to assets | 7.8804% | 6,884 |
| Core capital (leverage) ratio | 6.1731% | 7,884 |
| Tier 1 risk-based capital ratio | 9.3068% | 7,531 |
| Total risk-based capital ratio | 13.0833% | 4,985 |
| Memoranda: | ||
| Average total assets | $1,699,468,000,000 | 1 |
| Average earning assets | $1,421,395,000,000 | 1 |
| Average equity | $130,148,333,330 | 2 |
| Average total loans | $630,313,666,670 | 2 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8272% | 8,032 |
| Cost of funding earning assets | 0.8887% | 7,826 |
| Net interest margin | 2.9386% | 6,644 |
| Noninterest income to average assets | 2.4500% | 257 |
| Noninterest expense to average assets | 2.6392% | 5,272 |
| Loan and lease loss provision to assets | 1.4207% | 894 |
| Net operating income to assets | 0.5608% | 4,180 |
| Return on assets (ROA) | 0.5830% | 4,285 |
| Pretax return on assets | 0.8735% | 3,817 |
| Return on Equity (ROE) | 7.7219% | 3,273 |
| Retained earnings to average equity (ytd only) | 1.5518% | 4,982 |
| Net charge-offs to loans | 1.7911% | 808 |
| Credit loss provision to net charge-offs | 210.6008% | 2,130 |
| Earnings coverage of net charge-offs (x) | 3.3450% | 3,209 |
| Efficiency ratio | 53.1950% | 7,298 |
| Assets per employee ($millions) | 10.1350% | 255 |
| Cash dividends to net income (ytd only)* | 79.9041% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2309% | 395 |
| Loan loss allowance to noncurrent loans | 68.3214% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 1.9314% | 3,003 |
| Noncurrent loans to loans | 4.7290% | 1,177 |
| Net loans and leases to total assets | 36.0902% | 7,727 |
| Net loans and leases to deposits | 62.1888% | 6,724 |
| Net loans and leases to core deposits | 111.4742% | 3,263 |
| Total domestic deposits to total assets | 37.7646% | 8,148 |
| Equity capital to assets | 7.7331% | 7,149 |
| Core capital (leverage) ratio | 6.0665% | 7,990 |
| Tier 1 risk-based capital ratio | 8.9041% | 7,840 |
| Total risk-based capital ratio | 12.6792% | 5,374 |
| Memoranda: | ||
| Average total assets | $1,717,203,000,000 | 1 |
| Average earning assets | $1,429,121,000,000 | 1 |
| Average equity | $129,657,500,000 | 2 |
| Average total loans | $646,753,000,000 | 2 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5670% | 8,015 |
| Cost of funding earning assets | 2.0564% | 6,211 |
| Net interest margin | 2.5106% | 7,743 |
| Noninterest income to average assets | 2.0846% | 324 |
| Noninterest expense to average assets | 2.4291% | 6,299 |
| Loan and lease loss provision to assets | 1.0825% | 1,344 |
| Net operating income to assets | 0.4923% | 4,774 |
| Return on assets (ROA) | 0.6836% | 3,803 |
| Pretax return on assets | 0.8615% | 3,848 |
| Return on Equity (ROE) | 8.9921% | 2,647 |
| Retained earnings to average equity (ytd only) | 8.1291% | 807 |
| Net charge-offs to loans | 1.2153% | 996 |
| Credit loss provision to net charge-offs | 239.6021% | 1,964 |
| Earnings coverage of net charge-offs (x) | 3.8331% | 4,211 |
| Efficiency ratio | 57.4143% | 6,795 |
| Assets per employee ($millions) | 10.2396% | 240 |
| Cash dividends to net income (ytd only)* | 9.5979% | 4,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5837% | 624 |
| Loan loss allowance to noncurrent loans | 75.0448% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 1.4921% | 3,237 |
| Noncurrent loans to loans | 3.4428% | 1,485 |
| Net loans and leases to total assets | 37.0367% | 7,793 |
| Net loans and leases to deposits | 61.2589% | 7,001 |
| Net loans and leases to core deposits | 112.4792% | 3,514 |
| Total domestic deposits to total assets | 39.8282% | 8,189 |
| Equity capital to assets | 7.3739% | 7,491 |
| Core capital (leverage) ratio | 5.8685% | 8,115 |
| Tier 1 risk-based capital ratio | 8.6232% | 7,962 |
| Total risk-based capital ratio | 12.3293% | 5,542 |
| Memoranda: | ||
| Average total assets | $1,524,146,895,800 | 1 |
| Average earning assets | $1,260,443,901,800 | 1 |
| Average equity | $115,868,295,800 | 2 |
| Average total loans | $566,595,465,000 | 3 |