Home > Morgan Stanley Bank > Performance and Condition Ratios
Morgan Stanley 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 | 5.1083% | 1,842 |
| Cost of funding earning assets | 2.4306% | 425 |
| Net interest margin | 2.6777% | 3,850 |
| Noninterest income to average assets | 1.0400% | 596 |
| Noninterest expense to average assets | 0.6018% | 4,529 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 2.1826% | 349 |
| Return on assets (ROA) | 2.2015% | 328 |
| Pretax return on assets | 2.8856% | 225 |
| Return on Equity (ROE) | 21.5000% | 501 |
| Retained earnings to average equity (ytd only) | 6.1535% | 2,187 |
| Net charge-offs to loans | 0.1624% | 644 |
| Credit loss provision to net charge-offs | 244.0945% | 1,089 |
| Earnings coverage of net charge-offs (x) | 49.0866% | 1,302 |
| Efficiency ratio | 16.5350% | 4,532 |
| Assets per employee ($millions) | 676.3948% | 2 |
| Cash dividends to net income (ytd only)* | 71.3811% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8214% | 3,913 |
| Loan loss allowance to noncurrent loans | 122.7017% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.2909% | 1,783 |
| Noncurrent loans to loans | 0.6694% | 1,172 |
| Net loans and leases to total assets | 37.7800% | 4,103 |
| Net loans and leases to deposits | 44.8913% | 4,074 |
| Net loans and leases to core deposits | 56.9263% | 3,878 |
| Total domestic deposits to total assets | 84.1600% | 2,577 |
| Equity capital to assets | 10.4648% | 1,743 |
| Core capital (leverage) ratio | 10.5585% | 2,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5673% | 508 |
| Memoranda: | ||
| Average total assets | $205,225,400,000 | 16 |
| Average earning assets | $199,049,200,000 | 14 |
| Average equity | $21,012,600,000 | 14 |
| Average total loans | $78,199,600,000 | 24 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9896% | 1,846 |
| Cost of funding earning assets | 2.2432% | 461 |
| Net interest margin | 2.7464% | 3,817 |
| Noninterest income to average assets | 1.0700% | 575 |
| Noninterest expense to average assets | 0.5502% | 4,557 |
| Loan and lease loss provision to assets | 0.2100% | 519 |
| Net operating income to assets | 2.2839% | 335 |
| Return on assets (ROA) | 2.3066% | 318 |
| Pretax return on assets | 3.0043% | 234 |
| Return on Equity (ROE) | 22.6600% | 511 |
| Retained earnings to average equity (ytd only) | 8.3917% | 1,841 |
| Net charge-offs to loans | 0.1850% | 472 |
| Credit loss provision to net charge-offs | 243.5185% | 1,003 |
| Earnings coverage of net charge-offs (x) | 45.2037% | 1,370 |
| Efficiency ratio | 14.7249% | 4,566 |
| Assets per employee ($millions) | 658.3365% | 2 |
| Cash dividends to net income (ytd only)* | 62.9598% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7953% | 3,992 |
| Loan loss allowance to noncurrent loans | 244.6640% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 2,538 |
| Noncurrent loans to loans | 0.3251% | 2,070 |
| Net loans and leases to total assets | 37.2300% | 4,145 |
| Net loans and leases to deposits | 43.7351% | 4,115 |
| Net loans and leases to core deposits | 55.9756% | 3,856 |
| Total domestic deposits to total assets | 85.1300% | 2,460 |
| Equity capital to assets | 10.2403% | 1,678 |
| Core capital (leverage) ratio | 10.1555% | 2,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7260% | 572 |
| Memoranda: | ||
| Average total assets | $204,280,250,000 | 17 |
| Average earning assets | $198,221,500,000 | 15 |
| Average equity | $20,797,750,000 | 15 |
| Average total loans | $77,844,250,000 | 25 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6818% | 2,246 |
| Cost of funding earning assets | 2.0314% | 465 |
| Net interest margin | 2.6504% | 4,037 |
| Noninterest income to average assets | 1.3200% | 378 |
| Noninterest expense to average assets | 0.5560% | 4,588 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 2.4035% | 270 |
| Return on assets (ROA) | 2.4276% | 259 |
| Pretax return on assets | 3.1597% | 182 |
| Return on Equity (ROE) | 23.8900% | 437 |
| Retained earnings to average equity (ytd only) | 2.3436% | 3,634 |
| Net charge-offs to loans | 0.1773% | 445 |
| Credit loss provision to net charge-offs | 256.5217% | 943 |
| Earnings coverage of net charge-offs (x) | 49.1304% | 1,294 |
| Efficiency ratio | 14.2857% | 4,592 |
| Assets per employee ($millions) | 610.0512% | 2 |
| Cash dividends to net income (ytd only)* | 90.1905% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7218% | 4,147 |
| Loan loss allowance to noncurrent loans | 163.9205% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.2143% | 2,126 |
| Noncurrent loans to loans | 0.4403% | 1,621 |
| Net loans and leases to total assets | 39.1800% | 4,066 |
| Net loans and leases to deposits | 45.1449% | 4,067 |
| Net loans and leases to core deposits | 57.4866% | 3,740 |
| Total domestic deposits to total assets | 86.8000% | 1,988 |
| Equity capital to assets | 10.1216% | 1,787 |
| Core capital (leverage) ratio | 10.0220% | 2,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7993% | 651 |
| Memoranda: | ||
| Average total assets | $203,248,333,333 | 17 |
| Average earning assets | $197,402,000,000 | 15 |
| Average equity | $20,651,666,667 | 15 |
| Average total loans | $77,849,333,333 | 25 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3978% | 2,552 |
| Cost of funding earning assets | 1.8122% | 440 |
| Net interest margin | 2.5856% | 4,221 |
| Noninterest income to average assets | 1.1900% | 445 |
| Noninterest expense to average assets | 0.5285% | 4,660 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 2.2369% | 349 |
| Return on assets (ROA) | 2.3005% | 321 |
| Pretax return on assets | 2.9862% | 201 |
| Return on Equity (ROE) | 22.6000% | 541 |
| Retained earnings to average equity (ytd only) | 22.5980% | 267 |
| Net charge-offs to loans | 0.3594% | 222 |
| Credit loss provision to net charge-offs | 188.4058% | 849 |
| Earnings coverage of net charge-offs (x) | 23.4058% | 1,408 |
| Efficiency ratio | 14.2781% | 4,660 |
| Assets per employee ($millions) | 600.1312% | 2 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6787% | 4,271 |
| Loan loss allowance to noncurrent loans | 113.7634% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.2439% | 1,901 |
| Noncurrent loans to loans | 0.5966% | 1,247 |
| Net loans and leases to total assets | 37.6100% | 4,128 |
| Net loans and leases to deposits | 43.1798% | 4,122 |
| Net loans and leases to core deposits | 52.5522% | 3,887 |
| Total domestic deposits to total assets | 87.0900% | 2,230 |
| Equity capital to assets | 10.4341% | 1,599 |
| Core capital (leverage) ratio | 10.4604% | 2,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2615% | 556 |
| Memoranda: | ||
| Average total assets | $203,604,000,000 | 18 |
| Average earning assets | $197,552,000,000 | 17 |
| Average equity | $20,727,500,000 | 16 |
| Average total loans | $76,804,500,000 | 27 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7977% | 4,326 |
| Cost of funding earning assets | 0.5894% | 942 |
| Net interest margin | 2.2083% | 4,472 |
| Noninterest income to average assets | 0.8200% | 957 |
| Noninterest expense to average assets | 0.5512% | 4,683 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.8356% | 404 |
| Return on assets (ROA) | 1.8533% | 373 |
| Pretax return on assets | 2.4066% | 228 |
| Return on Equity (ROE) | 19.1600% | 549 |
| Retained earnings to average equity (ytd only) | 19.1644% | 109 |
| Net charge-offs to loans | 0.0094% | 2,027 |
| Credit loss provision to net charge-offs | 1,142.8571% | 395 |
| Earnings coverage of net charge-offs (x) | 676.0000% | 262 |
| Efficiency ratio | 18.5402% | 4,693 |
| Assets per employee ($millions) | 610.1909% | 2 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6185% | 4,319 |
| Loan loss allowance to noncurrent loans | 144.8916% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 2,346 |
| Noncurrent loans to loans | 0.4269% | 1,649 |
| Net loans and leases to total assets | 37.3500% | 4,166 |
| Net loans and leases to deposits | 42.4012% | 4,161 |
| Net loans and leases to core deposits | 49.5141% | 3,994 |
| Total domestic deposits to total assets | 88.0800% | 2,048 |
| Equity capital to assets | 9.9209% | 1,745 |
| Core capital (leverage) ratio | 10.1375% | 2,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1313% | 620 |
| Memoranda: | ||
| Average total assets | $195,376,600,000 | 19 |
| Average earning assets | $190,189,400,000 | 16 |
| Average equity | $18,894,400,000 | 16 |
| Average total loans | $74,543,400,000 | 26 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4416% | 4,477 |
| Cost of funding earning assets | 0.3234% | 1,931 |
| Net interest margin | 2.1182% | 4,506 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 0.5453% | 4,725 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.7414% | 483 |
| Return on assets (ROA) | 1.7653% | 445 |
| Pretax return on assets | 2.2948% | 278 |
| Return on Equity (ROE) | 18.3800% | 597 |
| Retained earnings to average equity (ytd only) | 18.3775% | 152 |
| Net charge-offs to loans | 0.0126% | 1,649 |
| Credit loss provision to net charge-offs | 442.8571% | 662 |
| Earnings coverage of net charge-offs (x) | 472.1429% | 332 |
| Efficiency ratio | 19.3509% | 4,727 |
| Assets per employee ($millions) | 593.5234% | 2 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5432% | 4,439 |
| Loan loss allowance to noncurrent loans | 114.1274% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 2,270 |
| Noncurrent loans to loans | 0.4759% | 1,607 |
| Net loans and leases to total assets | 39.6000% | 4,090 |
| Net loans and leases to deposits | 44.8741% | 4,073 |
| Net loans and leases to core deposits | 49.7891% | 3,962 |
| Total domestic deposits to total assets | 88.2400% | 2,346 |
| Equity capital to assets | 9.8178% | 1,715 |
| Core capital (leverage) ratio | 9.6042% | 2,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1006% | 722 |
| Memoranda: | ||
| Average total assets | $193,880,000,000 | 18 |
| Average earning assets | $188,833,750,000 | 16 |
| Average equity | $18,623,750,000 | 18 |
| Average total loans | $74,262,000,000 | 27 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0748% | 4,604 |
| Cost of funding earning assets | 0.1599% | 3,446 |
| Net interest margin | 1.9149% | 4,595 |
| Noninterest income to average assets | 0.7897% | 1,072 |
| Noninterest expense to average assets | 0.5344% | 4,750 |
| Loan and lease loss provision to assets | 0.0287% | 2,072 |
| Net operating income to assets | 1.6139% | 530 |
| Return on assets (ROA) | 1.6431% | 484 |
| Pretax return on assets | 2.1303% | 273 |
| Return on Equity (ROE) | 17.2289% | 543 |
| Retained earnings to average equity (ytd only) | 17.2289% | 138 |
| Net charge-offs to loans | 0.0190% | 1,356 |
| Credit loss provision to net charge-offs | 642.8571% | 539 |
| Earnings coverage of net charge-offs (x) | 295.5714% | 409 |
| Efficiency ratio | 20.1158% | 4,754 |
| Assets per employee ($millions) | 653.0546% | 2 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5764% | 4,486 |
| Loan loss allowance to noncurrent loans | 96.4286% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.2744% | 1,938 |
| Noncurrent loans to loans | 0.5977% | 1,415 |
| Net loans and leases to total assets | 38.9454% | 4,124 |
| Net loans and leases to deposits | 43.9459% | 4,116 |
| Net loans and leases to core deposits | 47.1526% | 4,074 |
| Total domestic deposits to total assets | 88.6211% | 2,328 |
| Equity capital to assets | 9.7066% | 1,878 |
| Core capital (leverage) ratio | 9.5136% | 2,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8238% | 742 |
| Memoranda: | ||
| Average total assets | $194,999,666,667 | 18 |
| Average earning assets | $190,088,000,000 | 16 |
| Average equity | $18,596,666,667 | 18 |
| Average total loans | $73,733,000,000 | 27 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8036% | 4,665 |
| Cost of funding earning assets | 0.1168% | 3,931 |
| Net interest margin | 1.6868% | 4,648 |
| Noninterest income to average assets | 0.6442% | 1,514 |
| Noninterest expense to average assets | 0.5345% | 4,776 |
| Loan and lease loss provision to assets | -0.0102% | 4,422 |
| Net operating income to assets | 1.3544% | 896 |
| Return on assets (ROA) | 1.3961% | 802 |
| Pretax return on assets | 1.8168% | 531 |
| Return on Equity (ROE) | 14.7674% | 691 |
| Retained earnings to average equity (ytd only) | 14.7674% | 305 |
| Net charge-offs to loans | 0.0383% | 901 |
| Credit loss provision to net charge-offs | 228.5714% | 743 |
| Earnings coverage of net charge-offs (x) | 123.2857% | 606 |
| Efficiency ratio | 23.3570% | 4,770 |
| Assets per employee ($millions) | 661.4328% | 2 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5504% | 4,544 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.2151% | 2,357 |
| Noncurrent loans to loans | 0.5504% | 1,662 |
| Net loans and leases to total assets | 36.4524% | 4,181 |
| Net loans and leases to deposits | 40.8581% | 4,217 |
| Net loans and leases to core deposits | 42.7368% | 4,211 |
| Total domestic deposits to total assets | 89.2171% | 1,967 |
| Equity capital to assets | 9.0846% | 2,639 |
| Core capital (leverage) ratio | 9.2871% | 3,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3277% | 852 |
| Memoranda: | ||
| Average total assets | $196,827,000,000 | 17 |
| Average earning assets | $191,838,500,000 | 16 |
| Average equity | $18,608,500,000 | 17 |
| Average total loans | $73,123,500,000 | 27 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8370% | 4,708 |
| Cost of funding earning assets | 0.2067% | 3,399 |
| Net interest margin | 1.6303% | 4,705 |
| Noninterest income to average assets | 0.6084% | 2,118 |
| Noninterest expense to average assets | 0.4381% | 4,814 |
| Loan and lease loss provision to assets | 0.0189% | 2,691 |
| Net operating income to assets | 1.3429% | 1,469 |
| Return on assets (ROA) | 1.4128% | 1,297 |
| Pretax return on assets | 1.8381% | 839 |
| Return on Equity (ROE) | 14.1069% | 1,152 |
| Retained earnings to average equity (ytd only) | 14.1069% | 293 |
| Net charge-offs to loans | 0.1563% | 616 |
| Credit loss provision to net charge-offs | 7.4074% | 2,313 |
| Earnings coverage of net charge-offs (x) | 29.4167% | 1,617 |
| Efficiency ratio | 19.8537% | 4,823 |
| Assets per employee ($millions) | 637.5980% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5532% | 4,580 |
| Loan loss allowance to noncurrent loans | 61.6333% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 0.3819% | 1,699 |
| Noncurrent loans to loans | 0.8976% | 1,126 |
| Net loans and leases to total assets | 37.4652% | 4,224 |
| Net loans and leases to deposits | 43.8373% | 4,187 |
| Net loans and leases to core deposits | 46.5376% | 4,161 |
| Total domestic deposits to total assets | 85.4640% | 3,103 |
| Equity capital to assets | 9.8428% | 2,811 |
| Core capital (leverage) ratio | 10.2420% | 2,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1164% | 640 |
| Memoranda: | ||
| Average total assets | $179,637,800,000 | 17 |
| Average earning assets | $176,102,800,000 | 16 |
| Average equity | $17,991,200,000 | 20 |
| Average total loans | $69,078,200,000 | 27 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8798% | 4,786 |
| Cost of funding earning assets | 0.2278% | 3,347 |
| Net interest margin | 1.6521% | 4,779 |
| Noninterest income to average assets | 0.6056% | 2,198 |
| Noninterest expense to average assets | 0.4183% | 4,902 |
| Loan and lease loss provision to assets | 0.0204% | 2,586 |
| Net operating income to assets | 1.3708% | 1,627 |
| Return on assets (ROA) | 1.4657% | 1,400 |
| Pretax return on assets | 1.9082% | 934 |
| Return on Equity (ROE) | 14.5664% | 1,238 |
| Retained earnings to average equity (ytd only) | 14.5664% | 452 |
| Net charge-offs to loans | 0.1992% | 423 |
| Credit loss provision to net charge-offs | 10.7843% | 2,020 |
| Earnings coverage of net charge-offs (x) | 23.4804% | 1,665 |
| Efficiency ratio | 18.7860% | 4,900 |
| Assets per employee ($millions) | 588.7318% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5931% | 4,638 |
| Loan loss allowance to noncurrent loans | 70.6897% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 0.3380% | 2,093 |
| Noncurrent loans to loans | 0.8390% | 1,362 |
| Net loans and leases to total assets | 38.6525% | 4,271 |
| Net loans and leases to deposits | 44.1656% | 4,302 |
| Net loans and leases to core deposits | 47.7034% | 4,251 |
| Total domestic deposits to total assets | 87.5172% | 2,098 |
| Equity capital to assets | 10.4012% | 2,531 |
| Core capital (leverage) ratio | 10.2146% | 2,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4350% | 646 |
| Memoranda: | ||
| Average total assets | $176,568,000,000 | 18 |
| Average earning assets | $173,275,000,000 | 16 |
| Average equity | $17,766,500,000 | 20 |
| Average total loans | $68,272,250,000 | 26 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9204% | 4,820 |
| Cost of funding earning assets | 0.2438% | 3,337 |
| Net interest margin | 1.6766% | 4,812 |
| Noninterest income to average assets | 0.5699% | 2,338 |
| Noninterest expense to average assets | 0.4065% | 4,938 |
| Loan and lease loss provision to assets | 0.0125% | 2,700 |
| Net operating income to assets | 1.3852% | 1,604 |
| Return on assets (ROA) | 1.5134% | 1,318 |
| Pretax return on assets | 1.9607% | 900 |
| Return on Equity (ROE) | 15.2131% | 1,103 |
| Retained earnings to average equity (ytd only) | 15.2131% | 403 |
| Net charge-offs to loans | 0.2942% | 300 |
| Credit loss provision to net charge-offs | 13.0000% | 1,764 |
| Earnings coverage of net charge-offs (x) | 15.9500% | 1,622 |
| Efficiency ratio | 18.3308% | 4,937 |
| Assets per employee ($millions) | 578.7391% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6136% | 4,644 |
| Loan loss allowance to noncurrent loans | 80.2708% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 0.3340% | 2,262 |
| Noncurrent loans to loans | 0.7645% | 1,579 |
| Net loans and leases to total assets | 38.8429% | 4,343 |
| Net loans and leases to deposits | 44.1594% | 4,375 |
| Net loans and leases to core deposits | 51.6891% | 4,148 |
| Total domestic deposits to total assets | 87.9608% | 1,848 |
| Equity capital to assets | 10.4009% | 2,487 |
| Core capital (leverage) ratio | 10.3553% | 2,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4546% | 763 |
| Memoranda: | ||
| Average total assets | $176,158,333,333 | 17 |
| Average earning assets | $173,089,000,000 | 16 |
| Average equity | $17,524,333,333 | 20 |
| Average total loans | $67,985,333,333 | 26 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0139% | 4,834 |
| Cost of funding earning assets | 0.2540% | 3,435 |
| Net interest margin | 1.7599% | 4,824 |
| Noninterest income to average assets | 0.5402% | 2,437 |
| Noninterest expense to average assets | 0.4029% | 4,962 |
| Loan and lease loss provision to assets | -0.0810% | 4,697 |
| Net operating income to assets | 1.4934% | 1,349 |
| Return on assets (ROA) | 1.6926% | 1,003 |
| Pretax return on assets | 2.2013% | 684 |
| Return on Equity (ROE) | 17.3999% | 795 |
| Retained earnings to average equity (ytd only) | 17.3999% | 396 |
| Net charge-offs to loans | 0.0528% | 978 |
| Credit loss provision to net charge-offs | -133.3333% | 2,873 |
| Earnings coverage of net charge-offs (x) | 92.2222% | 645 |
| Efficiency ratio | 17.7403% | 4,958 |
| Assets per employee ($millions) | 607.4493% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7187% | 4,544 |
| Loan loss allowance to noncurrent loans | 143.5821% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 3,061 |
| Noncurrent loans to loans | 0.5005% | 2,354 |
| Net loans and leases to total assets | 36.9567% | 4,461 |
| Net loans and leases to deposits | 41.3792% | 4,521 |
| Net loans and leases to core deposits | 49.1501% | 4,336 |
| Total domestic deposits to total assets | 89.3123% | 1,162 |
| Equity capital to assets | 9.6994% | 2,999 |
| Core capital (leverage) ratio | 10.0286% | 2,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1830% | 769 |
| Memoranda: | ||
| Average total assets | $177,716,000,000 | 17 |
| Average earning assets | $174,785,000,000 | 16 |
| Average equity | $17,287,500,000 | 21 |
| Average total loans | $68,163,000,000 | 26 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1553% | 4,902 |
| Cost of funding earning assets | 0.4763% | 3,110 |
| Net interest margin | 1.6790% | 4,901 |
| Noninterest income to average assets | 0.4876% | 2,684 |
| Noninterest expense to average assets | 0.4285% | 4,980 |
| Loan and lease loss provision to assets | 0.2238% | 1,748 |
| Net operating income to assets | 1.1345% | 1,788 |
| Return on assets (ROA) | 1.1817% | 1,723 |
| Pretax return on assets | 1.5445% | 1,211 |
| Return on Equity (ROE) | 11.6876% | 1,417 |
| Retained earnings to average equity (ytd only) | 2.0660% | 3,800 |
| Net charge-offs to loans | 0.1360% | 1,189 |
| Credit loss provision to net charge-offs | 388.2979% | 1,469 |
| Earnings coverage of net charge-offs (x) | 30.4574% | 1,599 |
| Efficiency ratio | 20.0503% | 4,985 |
| Assets per employee ($millions) | 577.7204% | 3 |
| Cash dividends to net income (ytd only)* | 82.3232% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7277% | 4,544 |
| Loan loss allowance to noncurrent loans | 124.3842% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.2574% | 3,009 |
| Noncurrent loans to loans | 0.5851% | 2,240 |
| Net loans and leases to total assets | 39.2252% | 4,472 |
| Net loans and leases to deposits | 44.3211% | 4,520 |
| Net loans and leases to core deposits | 56.2142% | 4,141 |
| Total domestic deposits to total assets | 88.5023% | 1,226 |
| Equity capital to assets | 9.7565% | 3,362 |
| Core capital (leverage) ratio | 10.1154% | 2,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4150% | 848 |
| Memoranda: | ||
| Average total assets | $167,559,000,000 | 18 |
| Average earning assets | $164,617,600,000 | 16 |
| Average equity | $16,941,000,000 | 21 |
| Average total loans | $69,117,600,000 | 27 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2315% | 4,942 |
| Cost of funding earning assets | 0.5388% | 3,002 |
| Net interest margin | 1.6927% | 4,945 |
| Noninterest income to average assets | 0.4583% | 2,804 |
| Noninterest expense to average assets | 0.4269% | 5,019 |
| Loan and lease loss provision to assets | 0.3093% | 1,292 |
| Net operating income to assets | 1.0429% | 2,180 |
| Return on assets (ROA) | 1.0938% | 2,132 |
| Pretax return on assets | 1.4489% | 1,575 |
| Return on Equity (ROE) | 10.7185% | 1,775 |
| Retained earnings to average equity (ytd only) | 6.8510% | 1,760 |
| Net charge-offs to loans | 0.1062% | 1,266 |
| Credit loss provision to net charge-offs | 683.6364% | 1,084 |
| Earnings coverage of net charge-offs (x) | 38.2364% | 1,399 |
| Efficiency ratio | 20.1291% | 5,018 |
| Assets per employee ($millions) | 573.5878% | 3 |
| Cash dividends to net income (ytd only)* | 36.0825% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7941% | 4,371 |
| Loan loss allowance to noncurrent loans | 93.6968% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 2,757 |
| Noncurrent loans to loans | 0.8475% | 1,741 |
| Net loans and leases to total assets | 40.4701% | 4,551 |
| Net loans and leases to deposits | 45.6418% | 4,615 |
| Net loans and leases to core deposits | 59.6186% | 4,224 |
| Total domestic deposits to total assets | 88.6690% | 910 |
| Equity capital to assets | 10.4004% | 2,871 |
| Core capital (leverage) ratio | 10.7425% | 2,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4203% | 735 |
| Memoranda: | ||
| Average total assets | $165,542,000,000 | 18 |
| Average earning assets | $162,579,500,000 | 16 |
| Average equity | $16,892,500,000 | 21 |
| Average total loans | $69,048,250,000 | 26 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3707% | 4,985 |
| Cost of funding earning assets | 0.6160% | 2,886 |
| Net interest margin | 1.7547% | 4,990 |
| Noninterest income to average assets | 0.3887% | 3,149 |
| Noninterest expense to average assets | 0.4557% | 5,054 |
| Loan and lease loss provision to assets | 0.3680% | 1,138 |
| Net operating income to assets | 0.9656% | 2,443 |
| Return on assets (ROA) | 1.0041% | 2,434 |
| Pretax return on assets | 1.3355% | 1,919 |
| Return on Equity (ROE) | 9.9054% | 2,014 |
| Retained earnings to average equity (ytd only) | 4.0151% | 2,895 |
| Net charge-offs to loans | 0.0928% | 1,331 |
| Credit loss provision to net charge-offs | 906.2500% | 844 |
| Earnings coverage of net charge-offs (x) | 42.4375% | 1,206 |
| Efficiency ratio | 21.5935% | 5,046 |
| Assets per employee ($millions) | 598.8423% | 2 |
| Cash dividends to net income (ytd only)* | 59.4660% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7208% | 4,521 |
| Loan loss allowance to noncurrent loans | 65.2233% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 0.4423% | 2,545 |
| Noncurrent loans to loans | 1.1051% | 1,421 |
| Net loans and leases to total assets | 39.7350% | 4,620 |
| Net loans and leases to deposits | 44.9403% | 4,681 |
| Net loans and leases to core deposits | 60.8333% | 4,218 |
| Total domestic deposits to total assets | 88.4173% | 980 |
| Equity capital to assets | 10.2677% | 2,952 |
| Core capital (leverage) ratio | 10.1185% | 2,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6262% | 823 |
| Memoranda: | ||
| Average total assets | $164,128,666,667 | 18 |
| Average earning assets | $161,050,333,333 | 16 |
| Average equity | $16,637,333,333 | 21 |
| Average total loans | $68,977,333,333 | 26 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4232% | 5,057 |
| Cost of funding earning assets | 0.7601% | 2,610 |
| Net interest margin | 1.6631% | 5,060 |
| Noninterest income to average assets | -0.1254% | 5,089 |
| Noninterest expense to average assets | 0.5164% | 5,097 |
| Loan and lease loss provision to assets | 0.3763% | 820 |
| Net operating income to assets | 0.4611% | 3,992 |
| Return on assets (ROA) | 0.5214% | 3,895 |
| Pretax return on assets | 0.6886% | 3,718 |
| Return on Equity (ROE) | 5.1775% | 3,577 |
| Retained earnings to average equity (ytd only) | 5.1775% | 2,205 |
| Net charge-offs to loans | 0.1828% | 740 |
| Credit loss provision to net charge-offs | 450.0000% | 936 |
| Earnings coverage of net charge-offs (x) | 12.5625% | 1,687 |
| Efficiency ratio | 34.3137% | 5,041 |
| Assets per employee ($millions) | 635.8149% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4501% | 4,918 |
| Loan loss allowance to noncurrent loans | 60.1802% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 3,199 |
| Noncurrent loans to loans | 0.7479% | 2,135 |
| Net loans and leases to total assets | 41.3463% | 4,616 |
| Net loans and leases to deposits | 47.2164% | 4,690 |
| Net loans and leases to core deposits | 63.8558% | 4,176 |
| Total domestic deposits to total assets | 87.5677% | 1,292 |
| Equity capital to assets | 9.4328% | 4,284 |
| Core capital (leverage) ratio | 11.1747% | 2,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7074% | 1,028 |
| Memoranda: | ||
| Average total assets | $162,654,500,000 | 18 |
| Average earning assets | $159,458,000,000 | 15 |
| Average equity | $16,378,500,000 | 22 |
| Average total loans | $70,031,000,000 | 26 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3023% | 4,968 |
| Cost of funding earning assets | 1.0226% | 1,626 |
| Net interest margin | 2.2797% | 5,041 |
| Noninterest income to average assets | 0.7954% | 1,467 |
| Noninterest expense to average assets | 0.3959% | 5,168 |
| Loan and lease loss provision to assets | 0.0599% | 2,841 |
| Net operating income to assets | 2.0295% | 327 |
| Return on assets (ROA) | 2.0657% | 309 |
| Pretax return on assets | 2.6250% | 169 |
| Return on Equity (ROE) | 18.3415% | 315 |
| Retained earnings to average equity (ytd only) | -0.0813% | 4,712 |
| Net charge-offs to loans | 0.0097% | 3,339 |
| Credit loss provision to net charge-offs | 1,416.6667% | 251 |
| Earnings coverage of net charge-offs (x) | 624.3333% | 160 |
| Efficiency ratio | 13.0455% | 5,166 |
| Assets per employee ($millions) | 474.5793% | 2 |
| Cash dividends to net income (ytd only)* | 100.4434% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3614% | 5,009 |
| Loan loss allowance to noncurrent loans | 43.0380% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 0.3771% | 2,904 |
| Noncurrent loans to loans | 0.8397% | 1,832 |
| Net loans and leases to total assets | 44.7468% | 4,565 |
| Net loans and leases to deposits | 52.3670% | 4,595 |
| Net loans and leases to core deposits | 73.0025% | 3,795 |
| Total domestic deposits to total assets | 85.4485% | 2,321 |
| Equity capital to assets | 10.8452% | 3,142 |
| Core capital (leverage) ratio | 11.2701% | 2,273 |
| Tier 1 risk-based capital ratio | 18.4854% | 1,634 |
| Total risk-based capital ratio | 18.9069% | 1,804 |
| Memoranda: | ||
| Average total assets | $141,940,200,000 | 18 |
| Average earning assets | $139,447,600,000 | 18 |
| Average equity | $15,985,600,000 | 21 |
| Average total loans | $61,969,400,000 | 28 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3585% | 5,043 |
| Cost of funding earning assets | 1.0604% | 1,501 |
| Net interest margin | 2.2981% | 5,127 |
| Noninterest income to average assets | 0.7767% | 1,498 |
| Noninterest expense to average assets | 0.3978% | 5,244 |
| Loan and lease loss provision to assets | 0.0398% | 3,106 |
| Net operating income to assets | 2.0340% | 374 |
| Return on assets (ROA) | 2.0819% | 348 |
| Pretax return on assets | 2.6578% | 183 |
| Return on Equity (ROE) | 18.3093% | 367 |
| Retained earnings to average equity (ytd only) | 5.5311% | 2,612 |
| Net charge-offs to loans | 0.0131% | 2,909 |
| Credit loss provision to net charge-offs | 700.0000% | 475 |
| Earnings coverage of net charge-offs (x) | 464.0000% | 213 |
| Efficiency ratio | 13.1086% | 5,244 |
| Assets per employee ($millions) | 453.3180% | 2 |
| Cash dividends to net income (ytd only)* | 69.7907% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3053% | 5,113 |
| Loan loss allowance to noncurrent loans | 41.4530% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 3,172 |
| Noncurrent loans to loans | 0.7366% | 2,121 |
| Net loans and leases to total assets | 45.8152% | 4,608 |
| Net loans and leases to deposits | 54.6785% | 4,602 |
| Net loans and leases to core deposits | 75.8069% | 3,712 |
| Total domestic deposits to total assets | 83.7902% | 2,900 |
| Equity capital to assets | 12.0366% | 2,232 |
| Core capital (leverage) ratio | 11.9331% | 1,898 |
| Tier 1 risk-based capital ratio | 19.8978% | 1,376 |
| Total risk-based capital ratio | 20.2709% | 1,534 |
| Memoranda: | ||
| Average total assets | $140,764,000,000 | 20 |
| Average earning assets | $138,312,750,000 | 19 |
| Average equity | $16,006,000,000 | 22 |
| Average total loans | $60,997,500,000 | 29 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3465% | 5,108 |
| Cost of funding earning assets | 1.0518% | 1,491 |
| Net interest margin | 2.2947% | 5,194 |
| Noninterest income to average assets | 0.8446% | 1,221 |
| Noninterest expense to average assets | 0.3955% | 5,292 |
| Loan and lease loss provision to assets | 0.0297% | 3,226 |
| Net operating income to assets | 2.1207% | 309 |
| Return on assets (ROA) | 2.1653% | 302 |
| Pretax return on assets | 2.7317% | 171 |
| Return on Equity (ROE) | 19.4124% | 289 |
| Retained earnings to average equity (ytd only) | -0.0127% | 4,682 |
| Net charge-offs to loans | 0.0200% | 2,465 |
| Credit loss provision to net charge-offs | 350.0000% | 804 |
| Earnings coverage of net charge-offs (x) | 319.1667% | 249 |
| Efficiency ratio | 12.7563% | 5,291 |
| Assets per employee ($millions) | 443.5941% | 2 |
| Cash dividends to net income (ytd only)* | 100.0652% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2829% | 5,184 |
| Loan loss allowance to noncurrent loans | 34.7913% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 0.3742% | 3,016 |
| Noncurrent loans to loans | 0.8131% | 1,963 |
| Net loans and leases to total assets | 45.8965% | 4,643 |
| Net loans and leases to deposits | 54.7967% | 4,645 |
| Net loans and leases to core deposits | 75.8736% | 3,738 |
| Total domestic deposits to total assets | 83.7578% | 2,962 |
| Equity capital to assets | 11.8058% | 2,338 |
| Core capital (leverage) ratio | 11.3192% | 2,319 |
| Tier 1 risk-based capital ratio | 19.5948% | 1,422 |
| Total risk-based capital ratio | 19.9481% | 1,585 |
| Memoranda: | ||
| Average total assets | $141,598,000,000 | 19 |
| Average earning assets | $139,192,000,000 | 19 |
| Average equity | $15,794,000,000 | 22 |
| Average total loans | $60,150,333,330 | 29 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2935% | 5,174 |
| Cost of funding earning assets | 1.0138% | 1,516 |
| Net interest margin | 2.2797% | 5,261 |
| Noninterest income to average assets | 0.8100% | 1,272 |
| Noninterest expense to average assets | 0.3940% | 5,353 |
| Loan and lease loss provision to assets | 0.0523% | 2,613 |
| Net operating income to assets | 2.1501% | 294 |
| Return on assets (ROA) | 2.1682% | 299 |
| Pretax return on assets | 2.6282% | 205 |
| Return on Equity (ROE) | 19.9784% | 266 |
| Retained earnings to average equity (ytd only) | 19.9784% | 107 |
| Net charge-offs to loans | 0.0337% | 1,785 |
| Credit loss provision to net charge-offs | 380.0000% | 715 |
| Earnings coverage of net charge-offs (x) | 193.0000% | 402 |
| Efficiency ratio | 12.9061% | 5,352 |
| Assets per employee ($millions) | 453.4452% | 2 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2862% | 5,249 |
| Loan loss allowance to noncurrent loans | 35.5236% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 0.3465% | 3,222 |
| Noncurrent loans to loans | 0.8055% | 2,026 |
| Net loans and leases to total assets | 42.8853% | 4,793 |
| Net loans and leases to deposits | 51.4246% | 4,766 |
| Net loans and leases to core deposits | 69.9201% | 4,082 |
| Total domestic deposits to total assets | 83.3945% | 3,258 |
| Equity capital to assets | 11.5894% | 2,317 |
| Core capital (leverage) ratio | 11.1260% | 2,450 |
| Tier 1 risk-based capital ratio | 19.8610% | 1,361 |
| Total risk-based capital ratio | 20.2074% | 1,521 |
| Memoranda: | ||
| Average total assets | $145,192,500,000 | 19 |
| Average earning assets | $142,827,000,000 | 18 |
| Average equity | $15,757,000,000 | 21 |
| Average total loans | $59,293,500,000 | 30 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0591% | 5,206 |
| Cost of funding earning assets | 0.6378% | 2,480 |
| Net interest margin | 2.4213% | 5,240 |
| Noninterest income to average assets | 0.7348% | 1,712 |
| Noninterest expense to average assets | 0.3915% | 5,396 |
| Loan and lease loss provision to assets | 0.0122% | 3,898 |
| Net operating income to assets | 2.0881% | 302 |
| Return on assets (ROA) | 2.0909% | 298 |
| Pretax return on assets | 2.7180% | 143 |
| Return on Equity (ROE) | 18.9971% | 312 |
| Retained earnings to average equity (ytd only) | 1.9056% | 4,385 |
| Net charge-offs to loans | 0.0138% | 3,219 |
| Credit loss provision to net charge-offs | 212.5000% | 1,363 |
| Earnings coverage of net charge-offs (x) | 474.5000% | 219 |
| Efficiency ratio | 12.5547% | 5,393 |
| Assets per employee ($millions) | 478.6486% | 2 |
| Cash dividends to net income (ytd only)* | 89.9691% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2735% | 5,296 |
| Loan loss allowance to noncurrent loans | 169.1489% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 4,521 |
| Noncurrent loans to loans | 0.1617% | 4,016 |
| Net loans and leases to total assets | 38.6952% | 4,991 |
| Net loans and leases to deposits | 45.3704% | 4,999 |
| Net loans and leases to core deposits | 58.3818% | 4,689 |
| Total domestic deposits to total assets | 85.2874% | 2,517 |
| Equity capital to assets | 10.1611% | 3,516 |
| Core capital (leverage) ratio | 10.4571% | 3,077 |
| Tier 1 risk-based capital ratio | 19.4666% | 1,412 |
| Total risk-based capital ratio | 19.8030% | 1,559 |
| Memoranda: | ||
| Average total assets | $139,222,200,000 | 18 |
| Average earning assets | $137,033,800,000 | 16 |
| Average equity | $15,323,400,000 | 23 |
| Average total loans | $57,896,600,000 | 30 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0445% | 5,271 |
| Cost of funding earning assets | 0.5823% | 2,612 |
| Net interest margin | 2.4622% | 5,298 |
| Noninterest income to average assets | 0.7439% | 1,699 |
| Noninterest expense to average assets | 0.3934% | 5,462 |
| Loan and lease loss provision to assets | 0.0078% | 3,820 |
| Net operating income to assets | 2.1088% | 306 |
| Return on assets (ROA) | 2.1126% | 298 |
| Pretax return on assets | 2.7706% | 147 |
| Return on Equity (ROE) | 18.7983% | 358 |
| Retained earnings to average equity (ytd only) | 9.0430% | 1,201 |
| Net charge-offs to loans | 0.0184% | 2,780 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 355.1250% | 265 |
| Efficiency ratio | 12.4229% | 5,465 |
| Assets per employee ($millions) | 465.3894% | 2 |
| Cash dividends to net income (ytd only)* | 51.8946% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2551% | 5,379 |
| Loan loss allowance to noncurrent loans | 148.5149% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 4,618 |
| Noncurrent loans to loans | 0.1717% | 4,119 |
| Net loans and leases to total assets | 41.5983% | 4,977 |
| Net loans and leases to deposits | 48.9792% | 4,986 |
| Net loans and leases to core deposits | 62.7779% | 4,582 |
| Total domestic deposits to total assets | 84.9305% | 2,631 |
| Equity capital to assets | 11.1224% | 2,544 |
| Core capital (leverage) ratio | 10.9114% | 2,665 |
| Tier 1 risk-based capital ratio | 20.3909% | 1,269 |
| Total risk-based capital ratio | 20.7159% | 1,413 |
| Memoranda: | ||
| Average total assets | $136,573,500,000 | 18 |
| Average earning assets | $134,401,500,000 | 16 |
| Average equity | $15,348,500,000 | 23 |
| Average total loans | $57,838,000,000 | 30 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9958% | 5,339 |
| Cost of funding earning assets | 0.4981% | 3,019 |
| Net interest margin | 2.4978% | 5,346 |
| Noninterest income to average assets | 0.7239% | 1,772 |
| Noninterest expense to average assets | 0.3953% | 5,529 |
| Loan and lease loss provision to assets | 0.0237% | 3,448 |
| Net operating income to assets | 2.1177% | 301 |
| Return on assets (ROA) | 2.1200% | 294 |
| Pretax return on assets | 2.7655% | 145 |
| Return on Equity (ROE) | 18.7968% | 347 |
| Retained earnings to average equity (ytd only) | 4.0560% | 3,584 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.4244% | 5,528 |
| Assets per employee ($millions) | 478.7724% | 2 |
| Cash dividends to net income (ytd only)* | 78.4218% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2793% | 5,430 |
| Loan loss allowance to noncurrent loans | 113.6986% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 4,467 |
| Noncurrent loans to loans | 0.2456% | 3,823 |
| Net loans and leases to total assets | 42.6918% | 4,959 |
| Net loans and leases to deposits | 50.3316% | 4,973 |
| Net loans and leases to core deposits | 65.1854% | 4,414 |
| Total domestic deposits to total assets | 84.8211% | 2,742 |
| Equity capital to assets | 10.8517% | 2,782 |
| Core capital (leverage) ratio | 11.0433% | 2,486 |
| Tier 1 risk-based capital ratio | 18.7416% | 1,613 |
| Total risk-based capital ratio | 19.0675% | 1,816 |
| Memoranda: | ||
| Average total assets | $135,093,666,670 | 19 |
| Average earning assets | $132,918,000,000 | 16 |
| Average equity | $15,236,666,670 | 23 |
| Average total loans | $57,514,333,330 | 30 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9316% | 5,403 |
| Cost of funding earning assets | 0.4271% | 3,387 |
| Net interest margin | 2.5045% | 5,393 |
| Noninterest income to average assets | 0.6576% | 2,005 |
| Noninterest expense to average assets | 0.4174% | 5,595 |
| Loan and lease loss provision to assets | 0.0420% | 2,917 |
| Net operating income to assets | 2.0057% | 371 |
| Return on assets (ROA) | 2.0057% | 371 |
| Pretax return on assets | 2.6633% | 169 |
| Return on Equity (ROE) | 17.4395% | 463 |
| Retained earnings to average equity (ytd only) | 17.4395% | 176 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.3654% | 5,595 |
| Assets per employee ($millions) | 483.1449% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2862% | 5,492 |
| Loan loss allowance to noncurrent loans | 123.7037% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 4,594 |
| Noncurrent loans to loans | 0.2314% | 3,942 |
| Net loans and leases to total assets | 42.5488% | 4,956 |
| Net loans and leases to deposits | 50.3597% | 4,946 |
| Net loans and leases to core deposits | 59.8640% | 4,663 |
| Total domestic deposits to total assets | 84.4899% | 3,121 |
| Equity capital to assets | 11.3464% | 2,259 |
| Core capital (leverage) ratio | 11.7638% | 1,807 |
| Tier 1 risk-based capital ratio | 19.7237% | 1,390 |
| Total risk-based capital ratio | 20.0682% | 1,558 |
| Memoranda: | ||
| Average total assets | $133,218,500,000 | 21 |
| Average earning assets | $131,125,000,000 | 16 |
| Average equity | $15,321,500,000 | 23 |
| Average total loans | $56,551,000,000 | 29 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5542% | 5,537 |
| Cost of funding earning assets | 0.1312% | 5,361 |
| Net interest margin | 2.4231% | 5,448 |
| Noninterest income to average assets | 0.8251% | 1,480 |
| Noninterest expense to average assets | 0.4375% | 5,654 |
| Loan and lease loss provision to assets | 0.0048% | 4,158 |
| Net operating income to assets | 1.6216% | 626 |
| Return on assets (ROA) | 1.7565% | 479 |
| Pretax return on assets | 2.9024% | 106 |
| Return on Equity (ROE) | 15.4726% | 550 |
| Retained earnings to average equity (ytd only) | 15.4726% | 79 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.6657% | 5,658 |
| Assets per employee ($millions) | 458.3286% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2794% | 5,558 |
| Loan loss allowance to noncurrent loans | 84.5304% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 0.1395% | 4,443 |
| Noncurrent loans to loans | 0.3305% | 3,586 |
| Net loans and leases to total assets | 42.0987% | 5,061 |
| Net loans and leases to deposits | 49.5882% | 5,072 |
| Net loans and leases to core deposits | 55.7495% | 4,943 |
| Total domestic deposits to total assets | 84.8967% | 2,880 |
| Equity capital to assets | 11.6640% | 2,065 |
| Core capital (leverage) ratio | 11.8333% | 1,702 |
| Tier 1 risk-based capital ratio | 20.4644% | 1,232 |
| Total risk-based capital ratio | 20.8118% | 1,377 |
| Memoranda: | ||
| Average total assets | $125,930,400,000 | 21 |
| Average earning assets | $123,520,200,000 | 17 |
| Average equity | $14,296,200,000 | 24 |
| Average total loans | $51,947,000,000 | 29 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4654% | 5,631 |
| Cost of funding earning assets | 0.0816% | 5,615 |
| Net interest margin | 2.3837% | 5,536 |
| Noninterest income to average assets | 0.8534% | 1,416 |
| Noninterest expense to average assets | 0.4534% | 5,724 |
| Loan and lease loss provision to assets | 0.0235% | 3,676 |
| Net operating income to assets | 1.6971% | 579 |
| Return on assets (ROA) | 1.8743% | 414 |
| Pretax return on assets | 2.8984% | 127 |
| Return on Equity (ROE) | 16.6284% | 468 |
| Retained earnings to average equity (ytd only) | 16.6284% | 84 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.2140% | 5,728 |
| Assets per employee ($millions) | 445.2561% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3189% | 5,613 |
| Loan loss allowance to noncurrent loans | 66.8000% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 4,305 |
| Noncurrent loans to loans | 0.4773% | 3,253 |
| Net loans and leases to total assets | 41.1401% | 5,153 |
| Net loans and leases to deposits | 49.3917% | 5,145 |
| Net loans and leases to core deposits | 53.7785% | 5,078 |
| Total domestic deposits to total assets | 83.2937% | 3,360 |
| Equity capital to assets | 11.6598% | 2,224 |
| Core capital (leverage) ratio | 11.8065% | 1,814 |
| Tier 1 risk-based capital ratio | 19.3443% | 1,513 |
| Total risk-based capital ratio | 19.6976% | 1,698 |
| Memoranda: | ||
| Average total assets | $124,986,250,000 | 21 |
| Average earning assets | $122,494,250,000 | 17 |
| Average equity | $14,088,000,000 | 24 |
| Average total loans | $51,244,250,000 | 28 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3899% | 5,686 |
| Cost of funding earning assets | 0.0279% | 5,746 |
| Net interest margin | 2.3620% | 5,586 |
| Noninterest income to average assets | 0.9956% | 1,025 |
| Noninterest expense to average assets | 0.4793% | 5,772 |
| Loan and lease loss provision to assets | 0.0434% | 3,128 |
| Net operating income to assets | 1.7386% | 517 |
| Return on assets (ROA) | 1.7499% | 510 |
| Pretax return on assets | 2.8034% | 140 |
| Return on Equity (ROE) | 15.7089% | 565 |
| Retained earnings to average equity (ytd only) | 15.7089% | 110 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.4871% | 5,776 |
| Assets per employee ($millions) | 338.3198% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3366% | 5,647 |
| Loan loss allowance to noncurrent loans | 62.3188% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 0.2372% | 4,196 |
| Noncurrent loans to loans | 0.5401% | 3,131 |
| Net loans and leases to total assets | 43.7585% | 5,053 |
| Net loans and leases to deposits | 50.9107% | 5,110 |
| Net loans and leases to core deposits | 51.6601% | 5,160 |
| Total domestic deposits to total assets | 85.9514% | 2,391 |
| Equity capital to assets | 12.4487% | 1,647 |
| Core capital (leverage) ratio | 12.0432% | 1,607 |
| Tier 1 risk-based capital ratio | 18.5461% | 1,704 |
| Total risk-based capital ratio | 18.9048% | 1,914 |
| Memoranda: | ||
| Average total assets | $124,349,000,000 | 19 |
| Average earning assets | $121,761,333,330 | 17 |
| Average equity | $13,852,000,000 | 24 |
| Average total loans | $50,868,000,000 | 28 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2891% | 5,771 |
| Cost of funding earning assets | 0.0318% | 5,808 |
| Net interest margin | 2.2573% | 5,677 |
| Noninterest income to average assets | 0.7730% | 1,653 |
| Noninterest expense to average assets | 0.4831% | 5,840 |
| Loan and lease loss provision to assets | 0.0623% | 2,564 |
| Net operating income to assets | 1.5035% | 803 |
| Return on assets (ROA) | 1.5055% | 828 |
| Pretax return on assets | 2.4437% | 240 |
| Return on Equity (ROE) | 14.2752% | 754 |
| Retained earnings to average equity (ytd only) | 14.2752% | 278 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.1795% | 5,840 |
| Assets per employee ($millions) | 380.2299% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3288% | 5,730 |
| Loan loss allowance to noncurrent loans | 69.3277% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 4,503 |
| Noncurrent loans to loans | 0.4743% | 3,391 |
| Net loans and leases to total assets | 39.2685% | 5,277 |
| Net loans and leases to deposits | 44.8842% | 5,337 |
| Net loans and leases to core deposits | 44.9383% | 5,389 |
| Total domestic deposits to total assets | 87.4883% | 1,993 |
| Equity capital to assets | 10.8395% | 2,812 |
| Core capital (leverage) ratio | 10.7432% | 2,645 |
| Tier 1 risk-based capital ratio | 17.5656% | 2,018 |
| Total risk-based capital ratio | 17.9218% | 2,257 |
| Memoranda: | ||
| Average total assets | $128,332,500,000 | 19 |
| Average earning assets | $125,812,000,000 | 16 |
| Average equity | $13,534,000,000 | 24 |
| Average total loans | $50,752,500,000 | 29 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0034% | 5,841 |
| Cost of funding earning assets | 0.0544% | 5,826 |
| Net interest margin | 1.9491% | 5,813 |
| Noninterest income to average assets | 1.0275% | 1,072 |
| Noninterest expense to average assets | 0.4288% | 5,897 |
| Loan and lease loss provision to assets | 0.0466% | 3,459 |
| Net operating income to assets | 1.5541% | 759 |
| Return on assets (ROA) | 1.5676% | 758 |
| Pretax return on assets | 2.4875% | 207 |
| Return on Equity (ROE) | 15.3105% | 585 |
| Retained earnings to average equity (ytd only) | 1.3518% | 4,734 |
| Net charge-offs to loans | 0.1246% | 2,005 |
| Credit loss provision to net charge-offs | 93.9394% | 2,728 |
| Earnings coverage of net charge-offs (x) | 50.6212% | 999 |
| Efficiency ratio | 14.5743% | 5,902 |
| Assets per employee ($millions) | 390.5982% | 3 |
| Cash dividends to net income (ytd only)* | 91.1708% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2825% | 5,805 |
| Loan loss allowance to noncurrent loans | 53.5055% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 0.2096% | 4,478 |
| Noncurrent loans to loans | 0.5280% | 3,268 |
| Net loans and leases to total assets | 39.5829% | 5,329 |
| Net loans and leases to deposits | 45.2937% | 5,389 |
| Net loans and leases to core deposits | 45.3455% | 5,455 |
| Total domestic deposits to total assets | 87.3917% | 1,935 |
| Equity capital to assets | 10.2569% | 3,439 |
| Core capital (leverage) ratio | 10.5025% | 2,880 |
| Tier 1 risk-based capital ratio | 16.8517% | 2,210 |
| Total risk-based capital ratio | 18.6881% | 1,985 |
| Memoranda: | ||
| Average total assets | $132,943,200,000 | 19 |
| Average earning assets | $130,574,800,000 | 15 |
| Average equity | $13,611,600,000 | 24 |
| Average total loans | $52,982,200,000 | 28 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9100% | 5,915 |
| Cost of funding earning assets | 0.0578% | 5,891 |
| Net interest margin | 1.8522% | 5,892 |
| Noninterest income to average assets | 1.0240% | 1,095 |
| Noninterest expense to average assets | 0.4213% | 5,967 |
| Loan and lease loss provision to assets | 0.0578% | 3,090 |
| Net operating income to assets | 1.4905% | 895 |
| Return on assets (ROA) | 1.5160% | 904 |
| Pretax return on assets | 2.4045% | 255 |
| Return on Equity (ROE) | 14.8131% | 693 |
| Retained earnings to average equity (ytd only) | -3.6789% | 5,685 |
| Net charge-offs to loans | 0.1273% | 1,686 |
| Credit loss provision to net charge-offs | 113.7255% | 2,177 |
| Earnings coverage of net charge-offs (x) | 47.6863% | 1,118 |
| Efficiency ratio | 14.8161% | 5,970 |
| Assets per employee ($millions) | 380.8589% | 3 |
| Cash dividends to net income (ytd only)* | 124.8357% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2940% | 5,862 |
| Loan loss allowance to noncurrent loans | 45.2174% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 0.2720% | 4,342 |
| Noncurrent loans to loans | 0.6502% | 3,070 |
| Net loans and leases to total assets | 41.7154% | 5,308 |
| Net loans and leases to deposits | 47.8160% | 5,385 |
| Net loans and leases to core deposits | 47.8614% | 5,459 |
| Total domestic deposits to total assets | 87.2416% | 1,781 |
| Equity capital to assets | 10.3646% | 3,728 |
| Core capital (leverage) ratio | 10.1092% | 3,433 |
| Tier 1 risk-based capital ratio | 15.7368% | 2,733 |
| Total risk-based capital ratio | 17.5044% | 2,477 |
| Memoranda: | ||
| Average total assets | $133,857,000,000 | 18 |
| Average earning assets | $131,517,250,000 | 15 |
| Average equity | $13,699,250,000 | 23 |
| Average total loans | $53,397,500,000 | 27 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8394% | 6,003 |
| Cost of funding earning assets | 0.0643% | 5,960 |
| Net interest margin | 1.7751% | 5,981 |
| Noninterest income to average assets | 1.0573% | 1,001 |
| Noninterest expense to average assets | 0.4097% | 6,045 |
| Loan and lease loss provision to assets | 0.0822% | 2,492 |
| Net operating income to assets | 1.4537% | 964 |
| Return on assets (ROA) | 1.4772% | 979 |
| Pretax return on assets | 2.3451% | 284 |
| Return on Equity (ROE) | 14.4915% | 749 |
| Retained earnings to average equity (ytd only) | 14.4915% | 162 |
| Net charge-offs to loans | 0.1009% | 1,823 |
| Credit loss provision to net charge-offs | 207.4074% | 1,263 |
| Earnings coverage of net charge-offs (x) | 60.2963% | 876 |
| Efficiency ratio | 14.6303% | 6,046 |
| Assets per employee ($millions) | 426.4403% | 2 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3432% | 5,918 |
| Loan loss allowance to noncurrent loans | 32.0721% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 0.4093% | 3,861 |
| Noncurrent loans to loans | 1.0701% | 2,151 |
| Net loans and leases to total assets | 38.1143% | 5,511 |
| Net loans and leases to deposits | 44.1485% | 5,559 |
| Net loans and leases to core deposits | 44.1844% | 5,621 |
| Total domestic deposits to total assets | 86.3319% | 2,246 |
| Equity capital to assets | 10.7575% | 3,338 |
| Core capital (leverage) ratio | 10.8463% | 2,598 |
| Tier 1 risk-based capital ratio | 16.7889% | 2,315 |
| Total risk-based capital ratio | 18.8674% | 2,003 |
| Memoranda: | ||
| Average total assets | $136,200,666,670 | 18 |
| Average earning assets | $133,742,666,670 | 15 |
| Average equity | $13,884,000,000 | 23 |
| Average total loans | $53,509,333,330 | 26 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8506% | 6,065 |
| Cost of funding earning assets | 0.0656% | 6,019 |
| Net interest margin | 1.7850% | 6,048 |
| Noninterest income to average assets | 0.7004% | 2,042 |
| Noninterest expense to average assets | 0.4249% | 6,107 |
| Loan and lease loss provision to assets | 0.1289% | 1,647 |
| Net operating income to assets | 1.1950% | 1,575 |
| Return on assets (ROA) | 1.2044% | 1,647 |
| Pretax return on assets | 1.9165% | 666 |
| Return on Equity (ROE) | 12.1490% | 1,275 |
| Retained earnings to average equity (ytd only) | 12.1490% | 489 |
| Net charge-offs to loans | 0.0294% | 2,359 |
| Credit loss provision to net charge-offs | 1,100.0000% | 347 |
| Earnings coverage of net charge-offs (x) | 173.2500% | 350 |
| Efficiency ratio | 17.3031% | 6,105 |
| Assets per employee ($millions) | 422.7346% | 2 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3484% | 5,986 |
| Loan loss allowance to noncurrent loans | 32.5301% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 0.4242% | 3,898 |
| Noncurrent loans to loans | 1.0711% | 2,247 |
| Net loans and leases to total assets | 39.4653% | 5,482 |
| Net loans and leases to deposits | 45.2153% | 5,549 |
| Net loans and leases to core deposits | 46.1259% | 5,583 |
| Total domestic deposits to total assets | 87.2830% | 2,059 |
| Equity capital to assets | 10.1317% | 3,916 |
| Core capital (leverage) ratio | 10.0606% | 3,459 |
| Tier 1 risk-based capital ratio | 15.4706% | 2,938 |
| Total risk-based capital ratio | 17.4884% | 2,532 |
| Memoranda: | ||
| Average total assets | $136,497,000,000 | 18 |
| Average earning assets | $134,230,000,000 | 15 |
| Average equity | $13,532,000,000 | 23 |
| Average total loans | $54,332,000,000 | 25 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7880% | 6,110 |
| Cost of funding earning assets | 0.2591% | 4,696 |
| Net interest margin | 1.5288% | 6,106 |
| Noninterest income to average assets | 1.1607% | 881 |
| Noninterest expense to average assets | 0.4181% | 6,166 |
| Loan and lease loss provision to assets | 0.0496% | 3,332 |
| Net operating income to assets | 1.3606% | 1,119 |
| Return on assets (ROA) | 1.3814% | 1,119 |
| Pretax return on assets | 2.2285% | 325 |
| Return on Equity (ROE) | 13.9878% | 843 |
| Retained earnings to average equity (ytd only) | 7.7152% | 1,009 |
| Net charge-offs to loans | 0.0176% | 3,932 |
| Credit loss provision to net charge-offs | 711.1111% | 469 |
| Earnings coverage of net charge-offs (x) | 322.2222% | 218 |
| Efficiency ratio | 15.6977% | 6,169 |
| Assets per employee ($millions) | 450.4238% | 2 |
| Cash dividends to net income (ytd only)* | 44.8430% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2738% | 6,069 |
| Loan loss allowance to noncurrent loans | 104.9296% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 0.1044% | 5,186 |
| Noncurrent loans to loans | 0.2609% | 4,509 |
| Net loans and leases to total assets | 39.8977% | 5,519 |
| Net loans and leases to deposits | 45.3582% | 5,599 |
| Net loans and leases to core deposits | 99.1469% | 1,581 |
| Total domestic deposits to total assets | 87.9613% | 1,650 |
| Equity capital to assets | 9.6943% | 4,310 |
| Core capital (leverage) ratio | 10.1796% | 3,285 |
| Tier 1 risk-based capital ratio | 15.0666% | 3,147 |
| Total risk-based capital ratio | 17.0599% | 2,713 |
| Memoranda: | ||
| Average total assets | $129,146,800,000 | 16 |
| Average earning assets | $126,959,400,000 | 14 |
| Average equity | $12,754,000,000 | 23 |
| Average total loans | $51,190,000,000 | 26 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7864% | 6,204 |
| Cost of funding earning assets | 0.3226% | 4,073 |
| Net interest margin | 1.4638% | 6,207 |
| Noninterest income to average assets | 1.1499% | 904 |
| Noninterest expense to average assets | 0.4039% | 6,257 |
| Loan and lease loss provision to assets | 0.0272% | 3,714 |
| Net operating income to assets | 1.3349% | 1,256 |
| Return on assets (ROA) | 1.3623% | 1,250 |
| Pretax return on assets | 2.2004% | 408 |
| Return on Equity (ROE) | 13.7276% | 958 |
| Retained earnings to average equity (ytd only) | 5.2928% | 2,727 |
| Net charge-offs to loans | 0.0238% | 3,462 |
| Credit loss provision to net charge-offs | 288.8889% | 993 |
| Earnings coverage of net charge-offs (x) | 232.0000% | 308 |
| Efficiency ratio | 15.6023% | 6,256 |
| Assets per employee ($millions) | 420.1865% | 2 |
| Cash dividends to net income (ytd only)* | 61.4439% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2096% | 6,174 |
| Loan loss allowance to noncurrent loans | 115.6250% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 5,464 |
| Noncurrent loans to loans | 0.1812% | 4,919 |
| Net loans and leases to total assets | 40.4490% | 5,569 |
| Net loans and leases to deposits | 46.3740% | 5,633 |
| Net loans and leases to core deposits | 104.0184% | 1,225 |
| Total domestic deposits to total assets | 87.2236% | 1,929 |
| Equity capital to assets | 9.8884% | 4,295 |
| Core capital (leverage) ratio | 10.1069% | 3,494 |
| Tier 1 risk-based capital ratio | 13.8381% | 3,948 |
| Total risk-based capital ratio | 15.6670% | 3,534 |
| Memoranda: | ||
| Average total assets | $127,426,500,000 | 16 |
| Average earning assets | $125,237,750,000 | 14 |
| Average equity | $12,645,750,000 | 23 |
| Average total loans | $50,382,250,000 | 26 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7728% | 6,281 |
| Cost of funding earning assets | 0.4464% | 2,774 |
| Net interest margin | 1.3264% | 6,292 |
| Noninterest income to average assets | 1.2917% | 732 |
| Noninterest expense to average assets | 0.3657% | 6,333 |
| Loan and lease loss provision to assets | 0.0459% | 3,198 |
| Net operating income to assets | 1.3592% | 1,168 |
| Return on assets (ROA) | 1.3946% | 1,135 |
| Pretax return on assets | 2.2384% | 389 |
| Return on Equity (ROE) | 14.0357% | 898 |
| Retained earnings to average equity (ytd only) | 14.0357% | 233 |
| Net charge-offs to loans | 0.0363% | 2,952 |
| Credit loss provision to net charge-offs | 322.2222% | 884 |
| Earnings coverage of net charge-offs (x) | 156.4444% | 420 |
| Efficiency ratio | 14.0940% | 6,333 |
| Assets per employee ($millions) | 409.8479% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2127% | 6,245 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 42.2408% | 5,489 |
| Net loans and leases to deposits | 48.3453% | 5,578 |
| Net loans and leases to core deposits | 116.1395% | 587 |
| Total domestic deposits to total assets | 87.3732% | 1,979 |
| Equity capital to assets | 9.8118% | 4,262 |
| Core capital (leverage) ratio | 9.8860% | 3,760 |
| Tier 1 risk-based capital ratio | 14.1455% | 3,845 |
| Total risk-based capital ratio | 16.0837% | 3,389 |
| Memoranda: | ||
| Average total assets | $126,342,666,670 | 16 |
| Average earning assets | $124,098,333,330 | 14 |
| Average equity | $12,553,666,670 | 23 |
| Average total loans | $49,520,000,000 | 26 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6767% | 6,354 |
| Cost of funding earning assets | 0.4426% | 2,851 |
| Net interest margin | 1.2341% | 6,374 |
| Noninterest income to average assets | 1.3662% | 620 |
| Noninterest expense to average assets | 0.3867% | 6,407 |
| Loan and lease loss provision to assets | 0.0729% | 2,481 |
| Net operating income to assets | 1.3011% | 1,269 |
| Return on assets (ROA) | 1.3376% | 1,234 |
| Pretax return on assets | 2.1745% | 403 |
| Return on Equity (ROE) | 13.3782% | 1,015 |
| Retained earnings to average equity (ytd only) | 13.3782% | 410 |
| Net charge-offs to loans | 0.0506% | 2,278 |
| Credit loss provision to net charge-offs | 383.3333% | 684 |
| Earnings coverage of net charge-offs (x) | 115.1667% | 436 |
| Efficiency ratio | 15.0062% | 6,402 |
| Assets per employee ($millions) | 414.5654% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2243% | 6,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 38.9257% | 5,668 |
| Net loans and leases to deposits | 44.8917% | 5,713 |
| Net loans and leases to core deposits | 107.1522% | 865 |
| Total domestic deposits to total assets | 86.7102% | 2,548 |
| Equity capital to assets | 10.1863% | 3,897 |
| Core capital (leverage) ratio | 10.1613% | 3,386 |
| Tier 1 risk-based capital ratio | 14.0987% | 3,943 |
| Total risk-based capital ratio | 15.9743% | 3,516 |
| Memoranda: | ||
| Average total assets | $126,192,500,000 | 16 |
| Average earning assets | $123,812,500,000 | 14 |
| Average equity | $12,617,500,000 | 23 |
| Average total loans | $47,475,500,000 | 28 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4321% | 6,454 |
| Cost of funding earning assets | 0.4399% | 3,272 |
| Net interest margin | 0.9921% | 6,468 |
| Noninterest income to average assets | 1.1293% | 952 |
| Noninterest expense to average assets | 0.3422% | 6,493 |
| Loan and lease loss provision to assets | 0.0150% | 4,311 |
| Net operating income to assets | 1.0161% | 2,313 |
| Return on assets (ROA) | 1.0365% | 2,310 |
| Pretax return on assets | 1.7811% | 828 |
| Return on Equity (ROE) | 10.1576% | 2,047 |
| Retained earnings to average equity (ytd only) | 10.1576% | 488 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.2469% | 6,495 |
| Assets per employee ($millions) | 473.6906% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2068% | 6,414 |
| Loan loss allowance to noncurrent loans | 9,400.0000% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 6,102 |
| Noncurrent loans to loans | 0.0022% | 5,927 |
| Net loans and leases to total assets | 36.1401% | 5,945 |
| Net loans and leases to deposits | 41.5154% | 5,984 |
| Net loans and leases to core deposits | 99.1953% | 1,449 |
| Total domestic deposits to total assets | 87.0523% | 2,252 |
| Equity capital to assets | 9.8090% | 4,340 |
| Core capital (leverage) ratio | 10.1952% | 3,314 |
| Tier 1 risk-based capital ratio | 12.2448% | 5,196 |
| Total risk-based capital ratio | 13.9148% | 4,852 |
| Memoranda: | ||
| Average total assets | $113,077,600,000 | 17 |
| Average earning assets | $111,377,400,000 | 15 |
| Average equity | $11,538,200,000 | 25 |
| Average total loans | $35,601,400,000 | 32 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3785% | 6,545 |
| Cost of funding earning assets | 0.4369% | 3,395 |
| Net interest margin | 0.9416% | 6,555 |
| Noninterest income to average assets | 0.9991% | 1,229 |
| Noninterest expense to average assets | 0.3274% | 6,575 |
| Loan and lease loss provision to assets | 0.0036% | 4,338 |
| Net operating income to assets | 0.9368% | 2,749 |
| Return on assets (ROA) | 0.9639% | 2,697 |
| Pretax return on assets | 1.6381% | 1,215 |
| Return on Equity (ROE) | 9.3435% | 2,525 |
| Retained earnings to average equity (ytd only) | 9.3435% | 889 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.9918% | 6,576 |
| Assets per employee ($millions) | 443.9962% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2003% | 6,494 |
| Loan loss allowance to noncurrent loans | 2,000.0000% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 6,194 |
| Noncurrent loans to loans | 0.0100% | 5,995 |
| Net loans and leases to total assets | 34.1335% | 6,107 |
| Net loans and leases to deposits | 39.1833% | 6,146 |
| Net loans and leases to core deposits | 98.3177% | 1,501 |
| Total domestic deposits to total assets | 87.1124% | 2,253 |
| Equity capital to assets | 10.1386% | 4,002 |
| Core capital (leverage) ratio | 10.4505% | 3,102 |
| Tier 1 risk-based capital ratio | 12.4163% | 5,215 |
| Total risk-based capital ratio | 14.1526% | 4,836 |
| Memoranda: | ||
| Average total assets | $109,965,000,000 | 18 |
| Average earning assets | $108,326,000,000 | 17 |
| Average equity | $11,344,500,000 | 26 |
| Average total loans | $33,136,750,000 | 34 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2952% | 6,611 |
| Cost of funding earning assets | 0.4374% | 3,466 |
| Net interest margin | 0.8578% | 6,620 |
| Noninterest income to average assets | 0.9954% | 1,214 |
| Noninterest expense to average assets | 0.3733% | 6,635 |
| Loan and lease loss provision to assets | 0.0019% | 4,177 |
| Net operating income to assets | 0.8624% | 2,995 |
| Return on assets (ROA) | 0.8803% | 2,992 |
| Pretax return on assets | 1.4931% | 1,560 |
| Return on Equity (ROE) | 8.4797% | 2,846 |
| Retained earnings to average equity (ytd only) | 8.4797% | 1,149 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.2825% | 6,639 |
| Assets per employee ($millions) | 435.6339% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2113% | 6,564 |
| Loan loss allowance to noncurrent loans | 7,800.0000% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 6,283 |
| Noncurrent loans to loans | 0.0027% | 6,107 |
| Net loans and leases to total assets | 33.2884% | 6,185 |
| Net loans and leases to deposits | 38.2246% | 6,220 |
| Net loans and leases to core deposits | 97.1745% | 1,508 |
| Total domestic deposits to total assets | 87.0864% | 2,408 |
| Equity capital to assets | 10.4635% | 3,483 |
| Core capital (leverage) ratio | 10.5346% | 2,902 |
| Tier 1 risk-based capital ratio | 12.9622% | 4,937 |
| Total risk-based capital ratio | 14.8332% | 4,474 |
| Memoranda: | ||
| Average total assets | $107,696,333,330 | 18 |
| Average earning assets | $106,083,666,670 | 16 |
| Average equity | $11,179,666,670 | 26 |
| Average total loans | $30,869,666,670 | 36 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2255% | 6,693 |
| Cost of funding earning assets | 0.4327% | 3,619 |
| Net interest margin | 0.7927% | 6,702 |
| Noninterest income to average assets | 0.8247% | 1,653 |
| Noninterest expense to average assets | 0.3690% | 6,716 |
| Loan and lease loss provision to assets | -0.0301% | 6,434 |
| Net operating income to assets | 0.7387% | 3,493 |
| Return on assets (ROA) | 0.7532% | 3,484 |
| Pretax return on assets | 1.2879% | 2,136 |
| Return on Equity (ROE) | 7.2856% | 3,317 |
| Retained earnings to average equity (ytd only) | 7.2856% | 1,911 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.0047% | 6,703 |
| Assets per employee ($millions) | 469.3734% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2336% | 6,629 |
| Loan loss allowance to noncurrent loans | 3,450.0000% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 6,344 |
| Noncurrent loans to loans | 0.0068% | 6,167 |
| Net loans and leases to total assets | 26.9495% | 6,443 |
| Net loans and leases to deposits | 30.8815% | 6,463 |
| Net loans and leases to core deposits | 76.4540% | 3,363 |
| Total domestic deposits to total assets | 87.2673% | 2,655 |
| Equity capital to assets | 10.1770% | 3,626 |
| Core capital (leverage) ratio | 10.2161% | 3,271 |
| Tier 1 risk-based capital ratio | 13.8822% | 4,408 |
| Total risk-based capital ratio | 15.9226% | 3,858 |
| Memoranda: | ||
| Average total assets | $106,219,000,000 | 18 |
| Average earning assets | $104,449,000,000 | 16 |
| Average equity | $10,980,500,000 | 27 |
| Average total loans | $27,848,500,000 | 37 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2510% | 6,763 |
| Cost of funding earning assets | 0.5518% | 3,092 |
| Net interest margin | 0.6992% | 6,775 |
| Noninterest income to average assets | 1.5088% | 621 |
| Noninterest expense to average assets | 0.4029% | 6,791 |
| Loan and lease loss provision to assets | 0.0448% | 4,229 |
| Net operating income to assets | 1.0395% | 2,158 |
| Return on assets (ROA) | 1.0689% | 2,124 |
| Pretax return on assets | 1.7919% | 770 |
| Return on Equity (ROE) | 9.1311% | 2,479 |
| Retained earnings to average equity (ytd only) | 9.1311% | 746 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.3673% | 6,794 |
| Assets per employee ($millions) | 460.1518% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2944% | 6,687 |
| Loan loss allowance to noncurrent loans | 120.3125% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 6,175 |
| Noncurrent loans to loans | 0.2447% | 5,447 |
| Net loans and leases to total assets | 25.3003% | 6,581 |
| Net loans and leases to deposits | 29.0385% | 6,599 |
| Net loans and leases to core deposits | 74.4214% | 3,791 |
| Total domestic deposits to total assets | 87.1267% | 2,660 |
| Equity capital to assets | 10.5080% | 3,145 |
| Core capital (leverage) ratio | 10.8223% | 2,554 |
| Tier 1 risk-based capital ratio | 14.6093% | 3,894 |
| Total risk-based capital ratio | 16.8008% | 3,295 |
| Memoranda: | ||
| Average total assets | $89,344,400,000 | 25 |
| Average earning assets | $87,529,400,000 | 20 |
| Average equity | $10,458,800,000 | 27 |
| Average total loans | $22,959,000,000 | 40 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2398% | 6,849 |
| Cost of funding earning assets | 0.5724% | 3,070 |
| Net interest margin | 0.6675% | 6,859 |
| Noninterest income to average assets | 1.5876% | 580 |
| Noninterest expense to average assets | 0.4082% | 6,870 |
| Loan and lease loss provision to assets | 0.0667% | 3,720 |
| Net operating income to assets | 1.0461% | 2,201 |
| Return on assets (ROA) | 1.0848% | 2,148 |
| Pretax return on assets | 1.8266% | 847 |
| Return on Equity (ROE) | 8.9909% | 2,639 |
| Retained earnings to average equity (ytd only) | 8.9909% | 1,060 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.2133% | 6,874 |
| Assets per employee ($millions) | 572.3600% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3239% | 6,761 |
| Loan loss allowance to noncurrent loans | 72.0721% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 6,104 |
| Noncurrent loans to loans | 0.4494% | 5,076 |
| Net loans and leases to total assets | 24.5769% | 6,678 |
| Net loans and leases to deposits | 29.4694% | 6,677 |
| Net loans and leases to core deposits | 78.3457% | 3,315 |
| Total domestic deposits to total assets | 83.3981% | 4,418 |
| Equity capital to assets | 10.5977% | 3,164 |
| Core capital (leverage) ratio | 10.9929% | 2,484 |
| Tier 1 risk-based capital ratio | 14.6855% | 3,959 |
| Total risk-based capital ratio | 16.9507% | 3,307 |
| Memoranda: | ||
| Average total assets | $85,912,000,000 | 26 |
| Average earning assets | $84,095,000,000 | 23 |
| Average equity | $10,365,750,000 | 27 |
| Average total loans | $22,160,000,000 | 40 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2520% | 6,898 |
| Cost of funding earning assets | 0.6021% | 2,918 |
| Net interest margin | 0.6499% | 6,912 |
| Noninterest income to average assets | 1.7471% | 548 |
| Noninterest expense to average assets | 0.4165% | 6,921 |
| Loan and lease loss provision to assets | 0.0320% | 4,289 |
| Net operating income to assets | 1.1456% | 1,766 |
| Return on assets (ROA) | 1.1976% | 1,708 |
| Pretax return on assets | 2.0157% | 588 |
| Return on Equity (ROE) | 9.4528% | 2,436 |
| Retained earnings to average equity (ytd only) | 9.4528% | 978 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.4767% | 6,921 |
| Assets per employee ($millions) | 490.8772% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2227% | 6,829 |
| Loan loss allowance to noncurrent loans | 416.6667% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 6,508 |
| Noncurrent loans to loans | 0.0535% | 6,232 |
| Net loans and leases to total assets | 26.6845% | 6,666 |
| Net loans and leases to deposits | 33.9029% | 6,616 |
| Net loans and leases to core deposits | 95.4042% | 1,406 |
| Total domestic deposits to total assets | 78.7086% | 5,848 |
| Equity capital to assets | 12.3243% | 1,691 |
| Core capital (leverage) ratio | 13.2183% | 1,088 |
| Tier 1 risk-based capital ratio | 13.8611% | 4,515 |
| Total risk-based capital ratio | 15.9915% | 3,913 |
| Memoranda: | ||
| Average total assets | $81,161,666,670 | 27 |
| Average earning assets | $79,392,333,330 | 25 |
| Average equity | $10,282,666,670 | 27 |
| Average total loans | $21,314,333,330 | 40 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2243% | 6,980 |
| Cost of funding earning assets | 0.6608% | 2,559 |
| Net interest margin | 0.5635% | 6,990 |
| Noninterest income to average assets | 1.6246% | 588 |
| Noninterest expense to average assets | 0.4262% | 6,998 |
| Loan and lease loss provision to assets | 0.0501% | 3,783 |
| Net operating income to assets | 1.0133% | 2,170 |
| Return on assets (ROA) | 1.0229% | 2,246 |
| Pretax return on assets | 1.7149% | 1,041 |
| Return on Equity (ROE) | 7.9598% | 2,994 |
| Retained earnings to average equity (ytd only) | 7.9598% | 1,764 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.5853% | 6,996 |
| Assets per employee ($millions) | 466.9467% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2231% | 6,908 |
| Loan loss allowance to noncurrent loans | 313.3333% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 6,558 |
| Noncurrent loans to loans | 0.0712% | 6,270 |
| Net loans and leases to total assets | 26.6341% | 6,711 |
| Net loans and leases to deposits | 32.4552% | 6,678 |
| Net loans and leases to core deposits | 88.9387% | 1,813 |
| Total domestic deposits to total assets | 82.0640% | 5,171 |
| Equity capital to assets | 13.1409% | 1,362 |
| Core capital (leverage) ratio | 12.8228% | 1,185 |
| Tier 1 risk-based capital ratio | 13.4081% | 4,931 |
| Total risk-based capital ratio | 15.5146% | 4,287 |
| Memoranda: | ||
| Average total assets | $79,772,500,000 | 29 |
| Average earning assets | $78,082,500,000 | 25 |
| Average equity | $10,251,500,000 | 27 |
| Average total loans | $20,747,000,000 | 41 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2898% | 7,035 |
| Cost of funding earning assets | 0.7601% | 3,013 |
| Net interest margin | 0.5297% | 7,047 |
| Noninterest income to average assets | 2.4837% | 322 |
| Noninterest expense to average assets | 0.4838% | 7,041 |
| Loan and lease loss provision to assets | 0.0449% | 5,283 |
| Net operating income to assets | 1.4552% | 996 |
| Return on assets (ROA) | 1.5216% | 971 |
| Pretax return on assets | 2.5776% | 231 |
| Return on Equity (ROE) | 11.4883% | 1,660 |
| Retained earnings to average equity (ytd only) | 11.4883% | 379 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.1140% | 7,060 |
| Assets per employee ($millions) | 466.0751% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1811% | 6,970 |
| Loan loss allowance to noncurrent loans | 154.1667% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 6,585 |
| Noncurrent loans to loans | 0.1175% | 6,189 |
| Net loans and leases to total assets | 25.2905% | 6,828 |
| Net loans and leases to deposits | 30.3340% | 6,822 |
| Net loans and leases to core deposits | 80.9817% | 2,883 |
| Total domestic deposits to total assets | 83.3736% | 4,571 |
| Equity capital to assets | 12.5671% | 1,657 |
| Core capital (leverage) ratio | 13.3162% | 1,011 |
| Tier 1 risk-based capital ratio | 14.4897% | 4,040 |
| Total risk-based capital ratio | 16.8010% | 3,357 |
| Memoranda: | ||
| Average total assets | $71,305,800,000 | 29 |
| Average earning assets | $69,856,200,000 | 27 |
| Average equity | $9,444,400,000 | 28 |
| Average total loans | $17,939,400,000 | 45 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2808% | 7,144 |
| Cost of funding earning assets | 0.7685% | 3,205 |
| Net interest margin | 0.5123% | 7,161 |
| Noninterest income to average assets | 2.2365% | 359 |
| Noninterest expense to average assets | 0.4562% | 7,157 |
| Loan and lease loss provision to assets | 0.0503% | 5,133 |
| Net operating income to assets | 1.2944% | 1,453 |
| Return on assets (ROA) | 1.3551% | 1,457 |
| Pretax return on assets | 2.3274% | 387 |
| Return on Equity (ROE) | 10.0800% | 2,316 |
| Retained earnings to average equity (ytd only) | 10.0800% | 896 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.6549% | 7,160 |
| Assets per employee ($millions) | 430.0000% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1614% | 7,086 |
| Loan loss allowance to noncurrent loans | 106.8966% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 6,664 |
| Noncurrent loans to loans | 0.1510% | 6,230 |
| Net loans and leases to total assets | 26.6954% | 6,907 |
| Net loans and leases to deposits | 32.8473% | 6,893 |
| Net loans and leases to core deposits | 94.0859% | 1,579 |
| Total domestic deposits to total assets | 81.2714% | 5,274 |
| Equity capital to assets | 13.6026% | 1,304 |
| Core capital (leverage) ratio | 13.3275% | 1,063 |
| Tier 1 risk-based capital ratio | 14.1640% | 4,404 |
| Total risk-based capital ratio | 16.4869% | 3,633 |
| Memoranda: | ||
| Average total assets | $68,974,500,000 | 31 |
| Average earning assets | $67,664,000,000 | 30 |
| Average equity | $9,272,250,000 | 29 |
| Average total loans | $17,317,000,000 | 47 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2754% | 7,214 |
| Cost of funding earning assets | 0.7575% | 3,540 |
| Net interest margin | 0.5180% | 7,224 |
| Noninterest income to average assets | 2.2314% | 343 |
| Noninterest expense to average assets | 0.4851% | 7,217 |
| Loan and lease loss provision to assets | 0.0382% | 5,200 |
| Net operating income to assets | 1.2843% | 1,481 |
| Return on assets (ROA) | 1.3200% | 1,539 |
| Pretax return on assets | 2.2725% | 434 |
| Return on Equity (ROE) | 9.8605% | 2,415 |
| Retained earnings to average equity (ytd only) | 9.8605% | 1,010 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.7039% | 7,220 |
| Assets per employee ($millions) | 387.6536% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0992% | 7,169 |
| Loan loss allowance to noncurrent loans | 120.0000% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 6,778 |
| Noncurrent loans to loans | 0.0826% | 6,454 |
| Net loans and leases to total assets | 26.1320% | 6,972 |
| Net loans and leases to deposits | 31.9412% | 6,965 |
| Net loans and leases to core deposits | 94.9521% | 1,511 |
| Total domestic deposits to total assets | 81.8129% | 5,199 |
| Equity capital to assets | 13.5351% | 1,287 |
| Core capital (leverage) ratio | 13.5722% | 956 |
| Tier 1 risk-based capital ratio | 14.0137% | 4,443 |
| Total risk-based capital ratio | 16.3397% | 3,675 |
| Memoranda: | ||
| Average total assets | $68,029,333,330 | 31 |
| Average earning assets | $66,801,666,670 | 30 |
| Average equity | $9,107,000,000 | 29 |
| Average total loans | $16,689,000,000 | 47 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2927% | 7,278 |
| Cost of funding earning assets | 0.7188% | 4,117 |
| Net interest margin | 0.5738% | 7,286 |
| Noninterest income to average assets | 2.3341% | 330 |
| Noninterest expense to average assets | 0.4751% | 7,283 |
| Loan and lease loss provision to assets | 0.0059% | 5,200 |
| Net operating income to assets | 1.4135% | 1,198 |
| Return on assets (ROA) | 1.4135% | 1,345 |
| Pretax return on assets | 2.4173% | 377 |
| Return on Equity (ROE) | 10.6197% | 2,178 |
| Retained earnings to average equity (ytd only) | 10.6197% | 1,135 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.3934% | 7,282 |
| Assets per employee ($millions) | 333.2562% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0381% | 7,235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 23.2487% | 7,096 |
| Net loans and leases to deposits | 28.3408% | 7,084 |
| Net loans and leases to core deposits | 80.2695% | 3,044 |
| Total domestic deposits to total assets | 82.0328% | 5,286 |
| Equity capital to assets | 13.4455% | 1,257 |
| Core capital (leverage) ratio | 13.3870% | 987 |
| Tier 1 risk-based capital ratio | 14.4072% | 4,174 |
| Total risk-based capital ratio | 16.8389% | 3,364 |
| Memoranda: | ||
| Average total assets | $67,349,000,000 | 30 |
| Average earning assets | $66,219,500,000 | 29 |
| Average equity | $8,964,500,000 | 29 |
| Average total loans | $15,958,000,000 | 48 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2078% | 7,324 |
| Cost of funding earning assets | 0.6960% | 5,566 |
| Net interest margin | 0.5119% | 7,331 |
| Noninterest income to average assets | 0.9535% | 1,497 |
| Noninterest expense to average assets | 0.4414% | 7,331 |
| Loan and lease loss provision to assets | -0.0868% | 7,271 |
| Net operating income to assets | 0.6197% | 3,889 |
| Return on assets (ROA) | 0.7534% | 3,415 |
| Pretax return on assets | 1.3111% | 2,085 |
| Return on Equity (ROE) | 6.0474% | 3,851 |
| Retained earnings to average equity (ytd only) | 6.0474% | 1,992 |
| Net charge-offs to loans | -0.4526% | 7,274 |
| Credit loss provision to net charge-offs | 93.6508% | 3,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.3030% | 7,294 |
| Assets per employee ($millions) | 311.8465% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0309% | 7,290 |
| Loan loss allowance to noncurrent loans | 8.1967% | 6,835 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 6,724 |
| Noncurrent loans to loans | 0.3770% | 5,961 |
| Net loans and leases to total assets | 24.1279% | 7,153 |
| Net loans and leases to deposits | 29.5330% | 7,143 |
| Net loans and leases to core deposits | 84.9543% | 2,752 |
| Total domestic deposits to total assets | 81.6979% | 5,233 |
| Equity capital to assets | 13.1743% | 1,406 |
| Core capital (leverage) ratio | 13.1970% | 1,071 |
| Tier 1 risk-based capital ratio | 14.6048% | 3,903 |
| Total risk-based capital ratio | 17.1542% | 3,057 |
| Memoranda: | ||
| Average total assets | $67,960,400,000 | 29 |
| Average earning assets | $66,813,400,000 | 24 |
| Average equity | $8,466,400,000 | 30 |
| Average total loans | $13,918,200,000 | 58 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2055% | 7,403 |
| Cost of funding earning assets | 0.7042% | 5,738 |
| Net interest margin | 0.5013% | 7,413 |
| Noninterest income to average assets | 0.6237% | 3,036 |
| Noninterest expense to average assets | 0.2718% | 7,425 |
| Loan and lease loss provision to assets | -0.1193% | 7,364 |
| Net operating income to assets | 0.5549% | 4,297 |
| Return on assets (ROA) | 0.7176% | 3,691 |
| Pretax return on assets | 1.2182% | 2,574 |
| Return on Equity (ROE) | 5.8428% | 4,096 |
| Retained earnings to average equity (ytd only) | 5.8428% | 2,643 |
| Net charge-offs to loans | -0.6291% | 7,356 |
| Credit loss provision to net charge-offs | 96.8254% | 3,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.3433% | 7,388 |
| Assets per employee ($millions) | 304.9909% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0209% | 7,368 |
| Loan loss allowance to noncurrent loans | 4.4776% | 6,943 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 6,809 |
| Noncurrent loans to loans | 0.4663% | 5,911 |
| Net loans and leases to total assets | 21.5082% | 7,264 |
| Net loans and leases to deposits | 26.3065% | 7,266 |
| Net loans and leases to core deposits | 74.6945% | 4,353 |
| Total domestic deposits to total assets | 81.7601% | 5,176 |
| Equity capital to assets | 12.9235% | 1,653 |
| Core capital (leverage) ratio | 12.2541% | 1,559 |
| Tier 1 risk-based capital ratio | 14.4668% | 3,999 |
| Total risk-based capital ratio | 17.0417% | 3,184 |
| Memoranda: | ||
| Average total assets | $68,188,750,000 | 28 |
| Average earning assets | $67,026,250,000 | 24 |
| Average equity | $8,374,750,000 | 29 |
| Average total loans | $13,352,250,000 | 60 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1868% | 7,479 |
| Cost of funding earning assets | 0.6985% | 5,974 |
| Net interest margin | 0.4883% | 7,484 |
| Noninterest income to average assets | 1.1653% | 937 |
| Noninterest expense to average assets | 0.2127% | 7,505 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8443% | 2,884 |
| Return on assets (ROA) | 1.0196% | 2,235 |
| Pretax return on assets | 1.7071% | 1,044 |
| Return on Equity (ROE) | 8.4449% | 2,743 |
| Retained earnings to average equity (ytd only) | 8.4449% | 1,283 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.9204% | 7,491 |
| Assets per employee ($millions) | 302.4242% | 8 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0070% | 7,443 |
| Loan loss allowance to noncurrent loans | 0.7143% | 7,008 |
| Noncurrent assets plus other real estate owned to assets | 0.2004% | 6,607 |
| Noncurrent loans to loans | 0.9771% | 5,029 |
| Net loans and leases to total assets | 20.5082% | 7,360 |
| Net loans and leases to deposits | 24.4785% | 7,367 |
| Net loans and leases to core deposits | 70.3407% | 5,031 |
| Total domestic deposits to total assets | 83.7804% | 4,440 |
| Equity capital to assets | 12.1930% | 1,968 |
| Core capital (leverage) ratio | 12.3188% | 1,444 |
| Tier 1 risk-based capital ratio | 13.9906% | 4,181 |
| Total risk-based capital ratio | 16.4806% | 3,343 |
| Memoranda: | ||
| Average total assets | $68,654,000,000 | 29 |
| Average earning assets | $67,577,333,330 | 25 |
| Average equity | $8,289,000,000 | 30 |
| Average total loans | $13,013,333,330 | 61 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1460% | 7,540 |
| Cost of funding earning assets | 0.6984% | 6,153 |
| Net interest margin | 0.4477% | 7,549 |
| Noninterest income to average assets | 1.1991% | 890 |
| Noninterest expense to average assets | 0.2057% | 7,565 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8542% | 2,757 |
| Return on assets (ROA) | 0.8993% | 2,625 |
| Pretax return on assets | 1.5048% | 1,434 |
| Return on Equity (ROE) | 7.4867% | 3,153 |
| Retained earnings to average equity (ytd only) | 7.4867% | 1,946 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.5448% | 7,548 |
| Assets per employee ($millions) | 586.0513% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0077% | 7,502 |
| Loan loss allowance to noncurrent loans | 0.4132% | 7,074 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 6,325 |
| Noncurrent loans to loans | 1.8560% | 3,751 |
| Net loans and leases to total assets | 19.0147% | 7,440 |
| Net loans and leases to deposits | 22.9988% | 7,443 |
| Net loans and leases to core deposits | 65.7422% | 5,541 |
| Total domestic deposits to total assets | 82.6771% | 5,032 |
| Equity capital to assets | 12.0304% | 1,902 |
| Core capital (leverage) ratio | 12.3274% | 1,402 |
| Tier 1 risk-based capital ratio | 14.8202% | 3,526 |
| Total risk-based capital ratio | 17.5190% | 2,735 |
| Memoranda: | ||
| Average total assets | $68,051,000,000 | 28 |
| Average earning assets | $67,013,000,000 | 23 |
| Average equity | $8,174,500,000 | 30 |
| Average total loans | $12,356,000,000 | 64 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1653% | 7,593 |
| Cost of funding earning assets | 0.8216% | 6,476 |
| Net interest margin | 0.3437% | 7,620 |
| Noninterest income to average assets | 0.9681% | 1,617 |
| Noninterest expense to average assets | 0.2283% | 7,636 |
| Loan and lease loss provision to assets | -0.0267% | 7,581 |
| Net operating income to assets | 0.6597% | 3,391 |
| Return on assets (ROA) | 0.6597% | 3,535 |
| Pretax return on assets | 1.1045% | 2,562 |
| Return on Equity (ROE) | 5.7113% | 3,729 |
| Retained earnings to average equity (ytd only) | 5.7113% | 1,984 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.4801% | 7,631 |
| Assets per employee ($millions) | 577.2137% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0086% | 7,578 |
| Loan loss allowance to noncurrent loans | 0.2457% | 7,150 |
| Noncurrent assets plus other real estate owned to assets | 0.6027% | 5,817 |
| Noncurrent loans to loans | 3.4867% | 2,171 |
| Net loans and leases to total assets | 17.2831% | 7,544 |
| Net loans and leases to deposits | 20.5060% | 7,554 |
| Net loans and leases to core deposits | 59.9179% | 6,398 |
| Total domestic deposits to total assets | 84.2835% | 4,229 |
| Equity capital to assets | 11.9940% | 1,916 |
| Core capital (leverage) ratio | 12.0585% | 1,506 |
| Tier 1 risk-based capital ratio | 15.6721% | 2,912 |
| Total risk-based capital ratio | 18.5912% | 2,186 |
| Memoranda: | ||
| Average total assets | $67,449,800,000 | 25 |
| Average earning assets | $66,335,000,000 | 23 |
| Average equity | $7,791,600,000 | 30 |
| Average total loans | $12,078,000,000 | 66 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1609% | 7,721 |
| Cost of funding earning assets | 0.8470% | 6,593 |
| Net interest margin | 0.3139% | 7,736 |
| Noninterest income to average assets | 0.9452% | 1,630 |
| Noninterest expense to average assets | 0.2274% | 7,749 |
| Loan and lease loss provision to assets | -0.0336% | 7,685 |
| Net operating income to assets | 0.6387% | 3,710 |
| Return on assets (ROA) | 0.6387% | 3,877 |
| Pretax return on assets | 1.0599% | 2,966 |
| Return on Equity (ROE) | 5.5824% | 4,012 |
| Retained earnings to average equity (ytd only) | 5.5824% | 2,601 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.1388% | 7,732 |
| Assets per employee ($millions) | 532.6667% | 8 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0171% | 7,684 |
| Loan loss allowance to noncurrent loans | 0.4098% | 7,253 |
| Noncurrent assets plus other real estate owned to assets | 0.7448% | 5,614 |
| Noncurrent loans to loans | 4.1806% | 1,755 |
| Net loans and leases to total assets | 17.8134% | 7,637 |
| Net loans and leases to deposits | 21.2370% | 7,658 |
| Net loans and leases to core deposits | 61.8331% | 6,479 |
| Total domestic deposits to total assets | 83.8792% | 4,193 |
| Equity capital to assets | 12.3386% | 1,950 |
| Core capital (leverage) ratio | 11.9194% | 1,712 |
| Tier 1 risk-based capital ratio | 15.9420% | 2,789 |
| Total risk-based capital ratio | 18.9747% | 2,070 |
| Memoranda: | ||
| Average total assets | $67,428,750,000 | 26 |
| Average earning assets | $66,269,000,000 | 23 |
| Average equity | $7,714,500,000 | 30 |
| Average total loans | $12,179,250,000 | 66 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1588% | 7,795 |
| Cost of funding earning assets | 0.8654% | 6,714 |
| Net interest margin | 0.2934% | 7,806 |
| Noninterest income to average assets | 0.8580% | 1,845 |
| Noninterest expense to average assets | 0.2321% | 7,817 |
| Loan and lease loss provision to assets | 0.0206% | 6,724 |
| Net operating income to assets | 0.5377% | 4,156 |
| Return on assets (ROA) | 0.5377% | 4,303 |
| Pretax return on assets | 0.8933% | 3,524 |
| Return on Equity (ROE) | 4.8213% | 4,372 |
| Retained earnings to average equity (ytd only) | 4.8213% | 2,998 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.2564% | 7,792 |
| Assets per employee ($millions) | 505.7385% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2239% | 7,697 |
| Loan loss allowance to noncurrent loans | 5.4507% | 7,306 |
| Noncurrent assets plus other real estate owned to assets | 0.7255% | 5,680 |
| Noncurrent loans to loans | 4.1082% | 1,829 |
| Net loans and leases to total assets | 17.6208% | 7,709 |
| Net loans and leases to deposits | 20.9934% | 7,725 |
| Net loans and leases to core deposits | 58.0614% | 6,825 |
| Total domestic deposits to total assets | 83.9351% | 4,137 |
| Equity capital to assets | 11.9323% | 2,137 |
| Core capital (leverage) ratio | 11.6357% | 1,841 |
| Tier 1 risk-based capital ratio | 17.5700% | 2,085 |
| Total risk-based capital ratio | 21.0412% | 1,519 |
| Memoranda: | ||
| Average total assets | $68,065,666,670 | 25 |
| Average earning assets | $66,792,666,670 | 23 |
| Average equity | $7,591,333,330 | 30 |
| Average total loans | $12,348,000,000 | 64 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1949% | 7,901 |
| Cost of funding earning assets | 0.9536% | 6,563 |
| Net interest margin | 0.2413% | 7,910 |
| Noninterest income to average assets | 0.8667% | 1,752 |
| Noninterest expense to average assets | 0.2196% | 7,925 |
| Loan and lease loss provision to assets | 0.0462% | 6,205 |
| Net operating income to assets | 0.5027% | 4,378 |
| Return on assets (ROA) | 0.5027% | 4,522 |
| Pretax return on assets | 0.8378% | 3,719 |
| Return on Equity (ROE) | 4.6621% | 4,554 |
| Retained earnings to average equity (ytd only) | 4.6621% | 3,343 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.8953% | 7,899 |
| Assets per employee ($millions) | 617.8803% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2254% | 7,801 |
| Loan loss allowance to noncurrent loans | 5.4000% | 7,380 |
| Noncurrent assets plus other real estate owned to assets | 0.6916% | 5,792 |
| Noncurrent loans to loans | 4.1740% | 1,845 |
| Net loans and leases to total assets | 16.5329% | 7,818 |
| Net loans and leases to deposits | 20.6975% | 7,829 |
| Net loans and leases to core deposits | 55.4617% | 7,019 |
| Total domestic deposits to total assets | 79.8788% | 5,829 |
| Equity capital to assets | 10.4853% | 3,261 |
| Core capital (leverage) ratio | 10.7265% | 2,433 |
| Tier 1 risk-based capital ratio | 17.7468% | 2,008 |
| Total risk-based capital ratio | 21.3144% | 1,484 |
| Memoranda: | ||
| Average total assets | $69,225,500,000 | 25 |
| Average earning assets | $67,956,000,000 | 23 |
| Average equity | $7,464,500,000 | 30 |
| Average total loans | $12,716,500,000 | 62 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3238% | 7,957 |
| Cost of funding earning assets | 1.2350% | 6,528 |
| Net interest margin | 0.0888% | 7,999 |
| Noninterest income to average assets | 1.4272% | 721 |
| Noninterest expense to average assets | 0.2677% | 8,001 |
| Loan and lease loss provision to assets | 0.2241% | 5,571 |
| Net operating income to assets | 0.6210% | 3,252 |
| Return on assets (ROA) | 0.6210% | 3,319 |
| Pretax return on assets | 1.0225% | 2,517 |
| Return on Equity (ROE) | 6.3237% | 3,066 |
| Retained earnings to average equity (ytd only) | 6.3237% | 1,218 |
| Net charge-offs to loans | 1.0120% | 2,392 |
| Credit loss provision to net charge-offs | 99.3103% | 5,613 |
| Earnings coverage of net charge-offs (x) | 5.5241% | 2,571 |
| Efficiency ratio | 17.6773% | 7,985 |
| Assets per employee ($millions) | 612.5833% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1412% | 7,901 |
| Loan loss allowance to noncurrent loans | 2.6099% | 7,433 |
| Noncurrent assets plus other real estate owned to assets | 1.1004% | 4,893 |
| Noncurrent loans to loans | 5.4110% | 1,208 |
| Net loans and leases to total assets | 20.3071% | 7,865 |
| Net loans and leases to deposits | 23.9868% | 7,883 |
| Net loans and leases to core deposits | 23.9932% | 7,900 |
| Total domestic deposits to total assets | 84.6597% | 3,727 |
| Equity capital to assets | 11.1081% | 2,617 |
| Core capital (leverage) ratio | 10.6943% | 2,439 |
| Tier 1 risk-based capital ratio | 15.2821% | 2,808 |
| Total risk-based capital ratio | 18.4382% | 2,060 |
| Memoranda: | ||
| Average total assets | $64,253,200,000 | 28 |
| Average earning assets | $63,078,000,000 | 26 |
| Average equity | $6,309,600,000 | 30 |
| Average total loans | $14,328,200,000 | 55 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3150% | 8,053 |
| Cost of funding earning assets | 1.2129% | 6,853 |
| Net interest margin | 0.1021% | 8,087 |
| Noninterest income to average assets | 1.7414% | 483 |
| Noninterest expense to average assets | 0.2760% | 8,088 |
| Loan and lease loss provision to assets | 0.2425% | 5,019 |
| Net operating income to assets | 0.7902% | 2,856 |
| Return on assets (ROA) | 0.7902% | 2,917 |
| Pretax return on assets | 1.3233% | 1,897 |
| Return on Equity (ROE) | 8.3307% | 2,507 |
| Retained earnings to average equity (ytd only) | 8.3307% | 1,032 |
| Net charge-offs to loans | 0.4949% | 3,244 |
| Credit loss provision to net charge-offs | 214.8148% | 2,042 |
| Earnings coverage of net charge-offs (x) | 13.8704% | 1,647 |
| Efficiency ratio | 14.9830% | 8,069 |
| Assets per employee ($millions) | 779.6071% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5549% | 7,638 |
| Loan loss allowance to noncurrent loans | 7.9689% | 7,480 |
| Noncurrent assets plus other real estate owned to assets | 1.5713% | 4,000 |
| Noncurrent loans to loans | 6.9631% | 775 |
| Net loans and leases to total assets | 22.4411% | 7,925 |
| Net loans and leases to deposits | 26.0979% | 7,948 |
| Net loans and leases to core deposits | 26.1002% | 7,967 |
| Total domestic deposits to total assets | 85.9881% | 2,711 |
| Equity capital to assets | 9.6355% | 4,577 |
| Core capital (leverage) ratio | 9.3233% | 4,148 |
| Tier 1 risk-based capital ratio | 12.8416% | 4,297 |
| Total risk-based capital ratio | 16.0556% | 3,074 |
| Memoranda: | ||
| Average total assets | $63,776,750,000 | 31 |
| Average earning assets | $62,657,750,000 | 27 |
| Average equity | $6,049,750,000 | 32 |
| Average total loans | $14,546,750,000 | 57 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2328% | 8,150 |
| Cost of funding earning assets | 1.1040% | 7,371 |
| Net interest margin | 0.1287% | 8,172 |
| Noninterest income to average assets | 1.5631% | 612 |
| Noninterest expense to average assets | 0.3069% | 8,184 |
| Loan and lease loss provision to assets | 0.3038% | 4,135 |
| Net operating income to assets | 0.6360% | 3,530 |
| Return on assets (ROA) | 0.6360% | 3,640 |
| Pretax return on assets | 1.0790% | 2,704 |
| Return on Equity (ROE) | 6.7416% | 3,307 |
| Retained earnings to average equity (ytd only) | 6.7416% | 1,684 |
| Net charge-offs to loans | 0.7464% | 2,187 |
| Credit loss provision to net charge-offs | 177.7778% | 2,579 |
| Earnings coverage of net charge-offs (x) | 8.0926% | 2,318 |
| Efficiency ratio | 18.1648% | 8,148 |
| Assets per employee ($millions) | 826.9367% | 8 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4070% | 7,896 |
| Loan loss allowance to noncurrent loans | 8.6111% | 7,519 |
| Noncurrent assets plus other real estate owned to assets | 1.1021% | 4,753 |
| Noncurrent loans to loans | 4.7263% | 1,335 |
| Net loans and leases to total assets | 23.2243% | 8,003 |
| Net loans and leases to deposits | 26.9811% | 8,021 |
| Net loans and leases to core deposits | 26.9811% | 8,051 |
| Total domestic deposits to total assets | 86.0764% | 2,743 |
| Equity capital to assets | 9.3543% | 4,798 |
| Core capital (leverage) ratio | 9.0785% | 4,498 |
| Tier 1 risk-based capital ratio | 12.8097% | 4,285 |
| Total risk-based capital ratio | 16.0797% | 3,025 |
| Memoranda: | ||
| Average total assets | $63,206,666,670 | 33 |
| Average earning assets | $62,137,000,000 | 25 |
| Average equity | $5,963,000,000 | 32 |
| Average total loans | $14,469,666,670 | 61 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1993% | 8,210 |
| Cost of funding earning assets | 1.0551% | 7,589 |
| Net interest margin | 0.1442% | 8,227 |
| Noninterest income to average assets | 2.9028% | 218 |
| Noninterest expense to average assets | 0.2446% | 8,233 |
| Loan and lease loss provision to assets | 0.5471% | 2,282 |
| Net operating income to assets | 1.3388% | 1,292 |
| Return on assets (ROA) | 1.3388% | 1,389 |
| Pretax return on assets | 2.2528% | 394 |
| Return on Equity (ROE) | 14.1280% | 1,140 |
| Retained earnings to average equity (ytd only) | 14.1280% | 509 |
| Net charge-offs to loans | 1.3061% | 1,079 |
| Credit loss provision to net charge-offs | 184.7826% | 2,364 |
| Earnings coverage of net charge-offs (x) | 9.4565% | 2,059 |
| Efficiency ratio | 8.0338% | 8,213 |
| Assets per employee ($millions) | 895.1081% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4423% | 7,905 |
| Loan loss allowance to noncurrent loans | 22.8682% | 7,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3895% | 6,334 |
| Noncurrent loans to loans | 1.9343% | 3,362 |
| Net loans and leases to total assets | 20.0474% | 8,080 |
| Net loans and leases to deposits | 24.5444% | 8,095 |
| Net loans and leases to core deposits | 24.5444% | 8,117 |
| Total domestic deposits to total assets | 81.6782% | 4,687 |
| Equity capital to assets | 9.0477% | 5,297 |
| Core capital (leverage) ratio | 9.7085% | 3,747 |
| Tier 1 risk-based capital ratio | 13.4346% | 3,911 |
| Total risk-based capital ratio | 16.9310% | 2,725 |
| Memoranda: | ||
| Average total assets | $62,146,000,000 | 34 |
| Average earning assets | $61,036,000,000 | 27 |
| Average equity | $5,889,000,000 | 33 |
| Average total loans | $14,087,500,000 | 63 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2372% | 8,162 |
| Cost of funding earning assets | 1.9821% | 6,468 |
| Net interest margin | 1.2551% | 8,206 |
| Noninterest income to average assets | -2.9286% | 8,299 |
| Noninterest expense to average assets | 0.2382% | 8,281 |
| Loan and lease loss provision to assets | 0.1251% | 5,766 |
| Net operating income to assets | -1.2730% | 7,372 |
| Return on assets (ROA) | -1.2730% | 7,320 |
| Pretax return on assets | -2.0623% | 7,453 |
| Return on Equity (ROE) | -13.3734% | 7,512 |
| Retained earnings to average equity (ytd only) | -13.3734% | 7,360 |
| Net charge-offs to loans | 0.2445% | 3,822 |
| Credit loss provision to net charge-offs | 140.5405% | 3,779 |
| Earnings coverage of net charge-offs (x) | -21.7568% | 6,945 |
| Efficiency ratio | -14.0227% | 8,290 |
| Assets per employee ($millions) | 806.3056% | 8 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1348% | 8,200 |
| Loan loss allowance to noncurrent loans | 5.7971% | 7,539 |
| Noncurrent assets plus other real estate owned to assets | 0.5943% | 5,410 |
| Noncurrent loans to loans | 2.3253% | 2,380 |
| Net loans and leases to total assets | 25.5228% | 8,078 |
| Net loans and leases to deposits | 31.8961% | 8,094 |
| Net loans and leases to core deposits | 31.8961% | 8,141 |
| Total domestic deposits to total assets | 80.0186% | 5,013 |
| Equity capital to assets | 9.9649% | 4,079 |
| Core capital (leverage) ratio | 12.2303% | 1,870 |
| Tier 1 risk-based capital ratio | 12.8656% | 4,180 |
| Total risk-based capital ratio | 16.2536% | 2,960 |
| Memoranda: | ||
| Average total assets | $41,555,400,000 | 42 |
| Average earning assets | $40,713,800,000 | 41 |
| Average equity | $3,955,600,000 | 44 |
| Average total loans | $15,134,600,000 | 60 |