Home > New York Community Bank > Performance and Condition Ratios
New York Community Bank, Performance and Condition Ratios
| 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 | 3.3825% | 2,964 |
| Cost of funding earning assets | 0.8777% | 116 |
| Net interest margin | 2.5047% | 4,204 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 0.8751% | 4,694 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0987% | 2,106 |
| Return on assets (ROA) | 1.0953% | 2,089 |
| Pretax return on assets | 1.4726% | 1,490 |
| Return on Equity (ROE) | 9.1500% | 2,992 |
| Retained earnings to average equity (ytd only) | 4.6294% | 3,229 |
| Net charge-offs to loans | -0.0146% | 3,868 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 36.9095% | 4,633 |
| Assets per employee ($millions) | 22.7192% | 77 |
| Cash dividends to net income (ytd only)* | 49.4042% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4461% | 4,521 |
| Loan loss allowance to noncurrent loans | 480.2281% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 3,150 |
| Noncurrent loans to loans | 0.0929% | 3,216 |
| Net loans and leases to total assets | 77.5200% | 749 |
| Net loans and leases to deposits | 116.6416% | 70 |
| Net loans and leases to core deposits | 148.6975% | 70 |
| Total domestic deposits to total assets | 66.4600% | 4,580 |
| Equity capital to assets | 11.5471% | 987 |
| Core capital (leverage) ratio | 8.9225% | 3,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8165% | 2,869 |
| Memoranda: | ||
| Average total assets | $61,599,809,000 | 45 |
| Average earning assets | $55,612,198,000 | 46 |
| Average equity | $7,373,888,250 | 41 |
| Average total loans | $47,504,689,500 | 39 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2741% | 2,817 |
| Cost of funding earning assets | 0.6984% | 161 |
| Net interest margin | 2.5757% | 3,950 |
| Noninterest income to average assets | 0.1081% | 4,449 |
| Noninterest expense to average assets | 0.8902% | 4,712 |
| Loan and lease loss provision to assets | 0.0236% | 2,175 |
| Net operating income to assets | 1.1294% | 1,665 |
| Return on assets (ROA) | 1.1258% | 1,661 |
| Pretax return on assets | 1.5118% | 1,139 |
| Return on Equity (ROE) | 9.2917% | 2,601 |
| Retained earnings to average equity (ytd only) | 4.1638% | 3,025 |
| Net charge-offs to loans | -0.0212% | 3,900 |
| Credit loss provision to net charge-offs | -240.0883% | 3,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.6303% | 4,674 |
| Assets per employee ($millions) | 22.6055% | 75 |
| Cash dividends to net income (ytd only)* | 55.1878% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4453% | 4,594 |
| Loan loss allowance to noncurrent loans | 434.1052% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 3,148 |
| Noncurrent loans to loans | 0.1026% | 3,240 |
| Net loans and leases to total assets | 76.6432% | 667 |
| Net loans and leases to deposits | 116.7829% | 54 |
| Net loans and leases to core deposits | 146.3894% | 62 |
| Total domestic deposits to total assets | 65.6288% | 4,657 |
| Equity capital to assets | 11.5964% | 999 |
| Core capital (leverage) ratio | 8.9623% | 3,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6927% | 2,884 |
| Memoranda: | ||
| Average total assets | $61,163,275,333 | 44 |
| Average earning assets | $55,140,618,000 | 46 |
| Average equity | $7,410,456,000 | 41 |
| Average total loans | $47,011,294,333 | 39 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1711% | 2,770 |
| Cost of funding earning assets | 0.6490% | 200 |
| Net interest margin | 2.5221% | 3,859 |
| Noninterest income to average assets | 0.0936% | 4,530 |
| Noninterest expense to average assets | 0.9106% | 4,740 |
| Loan and lease loss provision to assets | -0.0120% | 4,425 |
| Net operating income to assets | 1.0924% | 1,547 |
| Return on assets (ROA) | 1.0887% | 1,553 |
| Pretax return on assets | 1.4580% | 1,108 |
| Return on Equity (ROE) | 8.7881% | 2,396 |
| Retained earnings to average equity (ytd only) | 3.6944% | 3,042 |
| Net charge-offs to loans | 0.0138% | 1,270 |
| Credit loss provision to net charge-offs | -59.7240% | 2,831 |
| Earnings coverage of net charge-offs (x) | 137.0163% | 567 |
| Efficiency ratio | 38.5641% | 4,672 |
| Assets per employee ($millions) | 22.3873% | 80 |
| Cash dividends to net income (ytd only)* | 57.9618% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4206% | 4,636 |
| Loan loss allowance to noncurrent loans | 313.1830% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 3,057 |
| Noncurrent loans to loans | 0.1343% | 3,139 |
| Net loans and leases to total assets | 76.3799% | 484 |
| Net loans and leases to deposits | 122.2273% | 32 |
| Net loans and leases to core deposits | 157.0837% | 37 |
| Total domestic deposits to total assets | 62.4901% | 4,718 |
| Equity capital to assets | 12.1313% | 915 |
| Core capital (leverage) ratio | 9.1966% | 3,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0657% | 2,878 |
| Memoranda: | ||
| Average total assets | $60,221,585,500 | 46 |
| Average earning assets | $54,146,521,500 | 47 |
| Average equity | $7,460,100,500 | 42 |
| Average total loans | $46,248,367,500 | 38 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2638% | 3,315 |
| Cost of funding earning assets | 0.7035% | 318 |
| Net interest margin | 2.5603% | 4,108 |
| Noninterest income to average assets | 0.1042% | 4,587 |
| Noninterest expense to average assets | 0.9123% | 4,771 |
| Loan and lease loss provision to assets | 0.0059% | 2,956 |
| Net operating income to assets | 1.0934% | 2,319 |
| Return on assets (ROA) | 1.0930% | 2,387 |
| Pretax return on assets | 1.4815% | 1,786 |
| Return on Equity (ROE) | 8.5240% | 3,073 |
| Retained earnings to average equity (ytd only) | 3.3915% | 3,463 |
| Net charge-offs to loans | -0.0038% | 3,485 |
| Credit loss provision to net charge-offs | -212.7879% | 3,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0097% | 4,720 |
| Assets per employee ($millions) | 22.0633% | 85 |
| Cash dividends to net income (ytd only)* | 60.2121% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4355% | 4,673 |
| Loan loss allowance to noncurrent loans | 611.8059% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 3,566 |
| Noncurrent loans to loans | 0.0712% | 3,581 |
| Net loans and leases to total assets | 76.5589% | 482 |
| Net loans and leases to deposits | 129.3787% | 24 |
| Net loans and leases to core deposits | 176.5194% | 29 |
| Total domestic deposits to total assets | 59.1743% | 4,771 |
| Equity capital to assets | 12.6506% | 1,015 |
| Core capital (leverage) ratio | 9.3332% | 3,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3771% | 2,804 |
| Memoranda: | ||
| Average total assets | $57,737,804,000 | 46 |
| Average earning assets | $51,776,349,200 | 46 |
| Average equity | $7,403,816,400 | 42 |
| Average total loans | $43,853,526,600 | 37 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2940% | 3,407 |
| Cost of funding earning assets | 0.7168% | 347 |
| Net interest margin | 2.5772% | 4,166 |
| Noninterest income to average assets | 0.1046% | 4,654 |
| Noninterest expense to average assets | 0.9202% | 4,854 |
| Loan and lease loss provision to assets | -0.0031% | 4,296 |
| Net operating income to assets | 1.0996% | 2,561 |
| Return on assets (ROA) | 1.0993% | 2,617 |
| Pretax return on assets | 1.4976% | 1,997 |
| Return on Equity (ROE) | 8.5431% | 3,245 |
| Retained earnings to average equity (ytd only) | 3.3897% | 3,772 |
| Net charge-offs to loans | -0.0216% | 3,999 |
| Credit loss provision to net charge-offs | 17.5185% | 2,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.1040% | 4,764 |
| Assets per employee ($millions) | 21.2903% | 88 |
| Cash dividends to net income (ytd only)* | 60.3226% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4575% | 4,737 |
| Loan loss allowance to noncurrent loans | 711.9808% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 3,754 |
| Noncurrent loans to loans | 0.0643% | 3,775 |
| Net loans and leases to total assets | 75.1770% | 602 |
| Net loans and leases to deposits | 125.1072% | 34 |
| Net loans and leases to core deposits | 163.6134% | 47 |
| Total domestic deposits to total assets | 60.0900% | 4,839 |
| Equity capital to assets | 12.8863% | 1,022 |
| Core capital (leverage) ratio | 9.4096% | 3,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7600% | 2,790 |
| Memoranda: | ||
| Average total assets | $57,301,583,500 | 47 |
| Average earning assets | $51,371,316,000 | 47 |
| Average equity | $7,373,539,250 | 43 |
| Average total loans | $43,382,282,250 | 38 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3341% | 3,348 |
| Cost of funding earning assets | 0.7295% | 397 |
| Net interest margin | 2.6046% | 4,159 |
| Noninterest income to average assets | 0.1068% | 4,668 |
| Noninterest expense to average assets | 0.9268% | 4,884 |
| Loan and lease loss provision to assets | 0.0017% | 2,840 |
| Net operating income to assets | 1.1026% | 2,537 |
| Return on assets (ROA) | 1.1024% | 2,603 |
| Pretax return on assets | 1.5141% | 1,973 |
| Return on Equity (ROE) | 8.5710% | 3,240 |
| Retained earnings to average equity (ytd only) | 3.3986% | 3,718 |
| Net charge-offs to loans | -0.0304% | 4,160 |
| Credit loss provision to net charge-offs | -20.9157% | 2,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9398% | 4,804 |
| Assets per employee ($millions) | 20.6266% | 90 |
| Cash dividends to net income (ytd only)* | 60.3475% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4635% | 4,764 |
| Loan loss allowance to noncurrent loans | 641.4073% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 3,823 |
| Noncurrent loans to loans | 0.0723% | 3,826 |
| Net loans and leases to total assets | 75.5041% | 635 |
| Net loans and leases to deposits | 126.3606% | 41 |
| Net loans and leases to core deposits | 165.8194% | 50 |
| Total domestic deposits to total assets | 59.7528% | 4,871 |
| Equity capital to assets | 12.8988% | 977 |
| Core capital (leverage) ratio | 9.1538% | 3,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7127% | 2,803 |
| Memoranda: | ||
| Average total assets | $57,120,188,333 | 46 |
| Average earning assets | $51,231,719,000 | 47 |
| Average equity | $7,346,663,000 | 43 |
| Average total loans | $43,280,858,000 | 38 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3092% | 3,424 |
| Cost of funding earning assets | 0.7550% | 438 |
| Net interest margin | 2.5542% | 4,228 |
| Noninterest income to average assets | 0.1036% | 4,668 |
| Noninterest expense to average assets | 0.9034% | 4,925 |
| Loan and lease loss provision to assets | 0.0251% | 2,457 |
| Net operating income to assets | 1.0887% | 2,513 |
| Return on assets (ROA) | 1.0860% | 2,598 |
| Pretax return on assets | 1.4652% | 2,088 |
| Return on Equity (ROE) | 8.4557% | 3,198 |
| Retained earnings to average equity (ytd only) | 3.2610% | 3,699 |
| Net charge-offs to loans | -0.0048% | 3,378 |
| Credit loss provision to net charge-offs | -618.5687% | 3,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.6894% | 4,812 |
| Assets per employee ($millions) | 20.6053% | 89 |
| Cash dividends to net income (ytd only)* | 61.4342% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4571% | 4,799 |
| Loan loss allowance to noncurrent loans | 596.0516% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 3,925 |
| Noncurrent loans to loans | 0.0767% | 3,910 |
| Net loans and leases to total assets | 74.7293% | 741 |
| Net loans and leases to deposits | 125.4127% | 50 |
| Net loans and leases to core deposits | 167.2712% | 56 |
| Total domestic deposits to total assets | 59.5867% | 4,886 |
| Equity capital to assets | 12.6605% | 1,009 |
| Core capital (leverage) ratio | 9.3513% | 3,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7661% | 2,747 |
| Memoranda: | ||
| Average total assets | $56,957,810,000 | 45 |
| Average earning assets | $51,144,004,500 | 47 |
| Average equity | $7,315,134,500 | 42 |
| Average total loans | $43,133,654,500 | 39 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4856% | 4,054 |
| Cost of funding earning assets | 1.1653% | 320 |
| Net interest margin | 2.3203% | 4,709 |
| Noninterest income to average assets | 0.1083% | 4,715 |
| Noninterest expense to average assets | 0.9087% | 4,944 |
| Loan and lease loss provision to assets | 0.1139% | 2,924 |
| Net operating income to assets | 1.0005% | 2,291 |
| Return on assets (ROA) | 1.0025% | 2,427 |
| Pretax return on assets | 1.1687% | 2,447 |
| Return on Equity (ROE) | 7.5972% | 2,965 |
| Retained earnings to average equity (ytd only) | 2.3272% | 3,695 |
| Net charge-offs to loans | 0.0442% | 2,182 |
| Credit loss provision to net charge-offs | 336.8592% | 1,612 |
| Earnings coverage of net charge-offs (x) | 37.2438% | 1,441 |
| Efficiency ratio | 41.5119% | 4,843 |
| Assets per employee ($millions) | 20.2237% | 90 |
| Cash dividends to net income (ytd only)* | 69.3680% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4513% | 4,821 |
| Loan loss allowance to noncurrent loans | 513.5451% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.0703% | 3,990 |
| Noncurrent loans to loans | 0.0879% | 3,934 |
| Net loans and leases to total assets | 76.0568% | 786 |
| Net loans and leases to deposits | 131.3576% | 41 |
| Net loans and leases to core deposits | 179.3705% | 55 |
| Total domestic deposits to total assets | 57.9006% | 4,920 |
| Equity capital to assets | 13.0300% | 1,075 |
| Core capital (leverage) ratio | 9.4771% | 3,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6241% | 2,762 |
| Memoranda: | ||
| Average total assets | $54,646,407,000 | 44 |
| Average earning assets | $49,002,611,600 | 45 |
| Average equity | $7,210,635,200 | 40 |
| Average total loans | $42,508,537,600 | 39 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5145% | 4,183 |
| Cost of funding earning assets | 1.2666% | 286 |
| Net interest margin | 2.2479% | 4,797 |
| Noninterest income to average assets | 0.1092% | 4,726 |
| Noninterest expense to average assets | 0.9031% | 4,987 |
| Loan and lease loss provision to assets | 0.1258% | 2,767 |
| Net operating income to assets | 0.8548% | 2,889 |
| Return on assets (ROA) | 0.8570% | 3,004 |
| Pretax return on assets | 1.0991% | 2,750 |
| Return on Equity (ROE) | 6.4737% | 3,381 |
| Retained earnings to average equity (ytd only) | 1.1813% | 4,190 |
| Net charge-offs to loans | 0.0411% | 2,038 |
| Credit loss provision to net charge-offs | 396.3376% | 1,468 |
| Earnings coverage of net charge-offs (x) | 38.0125% | 1,403 |
| Efficiency ratio | 42.4938% | 4,843 |
| Assets per employee ($millions) | 19.9594% | 91 |
| Cash dividends to net income (ytd only)* | 81.7530% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4385% | 4,861 |
| Loan loss allowance to noncurrent loans | 415.2213% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.0862% | 4,002 |
| Noncurrent loans to loans | 0.1056% | 3,944 |
| Net loans and leases to total assets | 77.8721% | 845 |
| Net loans and leases to deposits | 134.2276% | 42 |
| Net loans and leases to core deposits | 186.6042% | 47 |
| Total domestic deposits to total assets | 58.0150% | 4,941 |
| Equity capital to assets | 13.1674% | 1,116 |
| Core capital (leverage) ratio | 9.4018% | 3,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6697% | 2,736 |
| Memoranda: | ||
| Average total assets | $54,237,380,250 | 44 |
| Average earning assets | $48,642,753,750 | 44 |
| Average equity | $7,179,885,250 | 40 |
| Average total loans | $42,385,488,500 | 38 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5700% | 4,313 |
| Cost of funding earning assets | 1.3836% | 240 |
| Net interest margin | 2.1864% | 4,887 |
| Noninterest income to average assets | 0.1131% | 4,728 |
| Noninterest expense to average assets | 0.8977% | 5,023 |
| Loan and lease loss provision to assets | 0.1414% | 2,598 |
| Net operating income to assets | 0.8248% | 2,962 |
| Return on assets (ROA) | 0.8290% | 3,060 |
| Pretax return on assets | 1.0388% | 2,902 |
| Return on Equity (ROE) | 6.2512% | 3,418 |
| Retained earnings to average equity (ytd only) | 0.9463% | 4,113 |
| Net charge-offs to loans | 0.0663% | 1,582 |
| Credit loss provision to net charge-offs | 276.9528% | 1,677 |
| Earnings coverage of net charge-offs (x) | 22.6974% | 1,622 |
| Efficiency ratio | 43.3134% | 4,829 |
| Assets per employee ($millions) | 19.6116% | 85 |
| Cash dividends to net income (ytd only)* | 84.8627% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4110% | 4,902 |
| Loan loss allowance to noncurrent loans | 324.7322% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.1027% | 4,018 |
| Noncurrent loans to loans | 0.1266% | 3,953 |
| Net loans and leases to total assets | 77.9439% | 852 |
| Net loans and leases to deposits | 132.5332% | 47 |
| Net loans and leases to core deposits | 184.0008% | 51 |
| Total domestic deposits to total assets | 58.8108% | 4,970 |
| Equity capital to assets | 13.2788% | 1,051 |
| Core capital (leverage) ratio | 9.4196% | 3,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7971% | 2,692 |
| Memoranda: | ||
| Average total assets | $54,013,771,000 | 43 |
| Average earning assets | $48,410,033,000 | 43 |
| Average equity | $7,163,181,000 | 40 |
| Average total loans | $42,198,487,667 | 37 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6508% | 4,470 |
| Cost of funding earning assets | 1.5476% | 221 |
| Net interest margin | 2.1032% | 4,987 |
| Noninterest income to average assets | 0.1202% | 4,755 |
| Noninterest expense to average assets | 0.9066% | 5,072 |
| Loan and lease loss provision to assets | 0.1528% | 1,868 |
| Net operating income to assets | 0.8087% | 2,878 |
| Return on assets (ROA) | 0.8121% | 2,955 |
| Pretax return on assets | 0.9493% | 3,000 |
| Return on Equity (ROE) | 6.1275% | 3,269 |
| Retained earnings to average equity (ytd only) | 0.8106% | 3,787 |
| Net charge-offs to loans | 0.0969% | 1,105 |
| Credit loss provision to net charge-offs | 224.5096% | 1,352 |
| Earnings coverage of net charge-offs (x) | 14.5206% | 1,594 |
| Efficiency ratio | 45.2231% | 4,852 |
| Assets per employee ($millions) | 19.4120% | 71 |
| Cash dividends to net income (ytd only)* | 86.7707% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3836% | 4,956 |
| Loan loss allowance to noncurrent loans | 329.2155% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.0945% | 4,147 |
| Noncurrent loans to loans | 0.1165% | 4,056 |
| Net loans and leases to total assets | 77.6764% | 1,029 |
| Net loans and leases to deposits | 131.1255% | 36 |
| Net loans and leases to core deposits | 183.8974% | 48 |
| Total domestic deposits to total assets | 59.2382% | 5,028 |
| Equity capital to assets | 13.1372% | 1,368 |
| Core capital (leverage) ratio | 9.4470% | 4,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7873% | 2,806 |
| Memoranda: | ||
| Average total assets | $53,927,269,500 | 42 |
| Average earning assets | $48,322,843,000 | 43 |
| Average equity | $7,147,081,500 | 40 |
| Average total loans | $42,092,957,000 | 37 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8069% | 4,558 |
| Cost of funding earning assets | 1.7035% | 191 |
| Net interest margin | 2.1034% | 5,078 |
| Noninterest income to average assets | 0.1440% | 4,758 |
| Noninterest expense to average assets | 0.9547% | 5,125 |
| Loan and lease loss provision to assets | 0.0135% | 3,744 |
| Net operating income to assets | 0.8061% | 3,535 |
| Return on assets (ROA) | 0.8177% | 3,593 |
| Pretax return on assets | 1.0876% | 3,205 |
| Return on Equity (ROE) | 6.0312% | 3,907 |
| Retained earnings to average equity (ytd only) | 0.7003% | 4,490 |
| Net charge-offs to loans | 0.0472% | 2,442 |
| Credit loss provision to net charge-offs | 36.8383% | 3,229 |
| Earnings coverage of net charge-offs (x) | 29.6173% | 1,593 |
| Efficiency ratio | 46.7713% | 4,884 |
| Assets per employee ($millions) | 19.1696% | 68 |
| Cash dividends to net income (ytd only)* | 88.3894% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3524% | 5,014 |
| Loan loss allowance to noncurrent loans | 241.0692% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 4,046 |
| Noncurrent loans to loans | 0.1462% | 3,942 |
| Net loans and leases to total assets | 77.8601% | 1,102 |
| Net loans and leases to deposits | 131.1131% | 41 |
| Net loans and leases to core deposits | 181.7791% | 52 |
| Total domestic deposits to total assets | 59.3839% | 5,092 |
| Equity capital to assets | 13.3706% | 1,338 |
| Core capital (leverage) ratio | 9.5882% | 3,975 |
| Tier 1 risk-based capital ratio | 12.4249% | 4,119 |
| Total risk-based capital ratio | 12.8110% | 4,478 |
| Memoranda: | ||
| Average total assets | $52,577,248,800 | 41 |
| Average earning assets | $47,419,447,200 | 41 |
| Average equity | $7,128,257,400 | 39 |
| Average total loans | $40,861,400,600 | 35 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8251% | 4,642 |
| Cost of funding earning assets | 1.7209% | 183 |
| Net interest margin | 2.1042% | 5,170 |
| Noninterest income to average assets | 0.1489% | 4,801 |
| Noninterest expense to average assets | 0.9650% | 5,204 |
| Loan and lease loss provision to assets | 0.0138% | 3,627 |
| Net operating income to assets | 0.7995% | 3,674 |
| Return on assets (ROA) | 0.8151% | 3,707 |
| Pretax return on assets | 1.0888% | 3,326 |
| Return on Equity (ROE) | 5.9907% | 4,049 |
| Retained earnings to average equity (ytd only) | 0.6523% | 4,635 |
| Net charge-offs to loans | 0.0519% | 2,089 |
| Credit loss provision to net charge-offs | 34.2179% | 2,892 |
| Earnings coverage of net charge-offs (x) | 26.9085% | 1,727 |
| Efficiency ratio | 47.1238% | 4,893 |
| Assets per employee ($millions) | 18.9308% | 67 |
| Cash dividends to net income (ytd only)* | 89.1112% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3659% | 5,083 |
| Loan loss allowance to noncurrent loans | 265.9281% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.1107% | 4,162 |
| Noncurrent loans to loans | 0.1376% | 4,043 |
| Net loans and leases to total assets | 77.4934% | 1,229 |
| Net loans and leases to deposits | 128.1628% | 51 |
| Net loans and leases to core deposits | 173.9973% | 65 |
| Total domestic deposits to total assets | 60.4648% | 5,160 |
| Equity capital to assets | 13.6323% | 1,301 |
| Core capital (leverage) ratio | 9.5993% | 4,063 |
| Tier 1 risk-based capital ratio | 12.7575% | 3,982 |
| Total risk-based capital ratio | 13.1600% | 4,348 |
| Memoranda: | ||
| Average total assets | $52,317,226,500 | 42 |
| Average earning assets | $47,213,729,500 | 43 |
| Average equity | $7,118,088,250 | 40 |
| Average total loans | $40,603,212,000 | 36 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8145% | 4,695 |
| Cost of funding earning assets | 1.6985% | 184 |
| Net interest margin | 2.1160% | 5,228 |
| Noninterest income to average assets | 0.1321% | 4,914 |
| Noninterest expense to average assets | 0.9892% | 5,254 |
| Loan and lease loss provision to assets | 0.0024% | 3,659 |
| Net operating income to assets | 0.7870% | 3,701 |
| Return on assets (ROA) | 0.8096% | 3,677 |
| Pretax return on assets | 1.0800% | 3,290 |
| Return on Equity (ROE) | 5.9546% | 4,057 |
| Retained earnings to average equity (ytd only) | 0.6059% | 4,533 |
| Net charge-offs to loans | 0.0460% | 1,993 |
| Credit loss provision to net charge-offs | 6.6667% | 2,705 |
| Earnings coverage of net charge-offs (x) | 29.5075% | 1,477 |
| Efficiency ratio | 48.4197% | 4,872 |
| Assets per employee ($millions) | 18.7530% | 62 |
| Cash dividends to net income (ytd only)* | 89.8252% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3697% | 5,133 |
| Loan loss allowance to noncurrent loans | 293.9122% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 4,250 |
| Noncurrent loans to loans | 0.1258% | 4,111 |
| Net loans and leases to total assets | 77.2016% | 1,356 |
| Net loans and leases to deposits | 125.2989% | 59 |
| Net loans and leases to core deposits | 167.9859% | 75 |
| Total domestic deposits to total assets | 61.6140% | 5,197 |
| Equity capital to assets | 13.5434% | 1,299 |
| Core capital (leverage) ratio | 9.6035% | 4,034 |
| Tier 1 risk-based capital ratio | 12.6255% | 4,061 |
| Total risk-based capital ratio | 13.0295% | 4,428 |
| Memoranda: | ||
| Average total assets | $52,251,666,670 | 42 |
| Average earning assets | $47,184,770,000 | 43 |
| Average equity | $7,104,506,000 | 40 |
| Average total loans | $40,522,876,000 | 36 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7984% | 4,711 |
| Cost of funding earning assets | 1.6576% | 189 |
| Net interest margin | 2.1407% | 5,293 |
| Noninterest income to average assets | 0.1353% | 4,921 |
| Noninterest expense to average assets | 1.0650% | 5,312 |
| Loan and lease loss provision to assets | -0.0094% | 5,206 |
| Net operating income to assets | 0.7648% | 3,732 |
| Return on assets (ROA) | 0.8073% | 3,632 |
| Pretax return on assets | 1.0678% | 3,247 |
| Return on Equity (ROE) | 5.9256% | 4,044 |
| Retained earnings to average equity (ytd only) | 0.5618% | 4,417 |
| Net charge-offs to loans | 0.0195% | 2,068 |
| Credit loss provision to net charge-offs | -62.2834% | 3,506 |
| Earnings coverage of net charge-offs (x) | 66.5673% | 868 |
| Efficiency ratio | 51.4590% | 4,731 |
| Assets per employee ($millions) | 18.5840% | 59 |
| Cash dividends to net income (ytd only)* | 90.5193% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3865% | 5,183 |
| Loan loss allowance to noncurrent loans | 267.4110% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.1161% | 4,229 |
| Noncurrent loans to loans | 0.1445% | 4,090 |
| Net loans and leases to total assets | 77.4426% | 1,246 |
| Net loans and leases to deposits | 127.0636% | 50 |
| Net loans and leases to core deposits | 164.5941% | 77 |
| Total domestic deposits to total assets | 60.9479% | 5,273 |
| Equity capital to assets | 13.6296% | 1,163 |
| Core capital (leverage) ratio | 9.6636% | 3,954 |
| Tier 1 risk-based capital ratio | 12.9672% | 3,894 |
| Total risk-based capital ratio | 13.3983% | 4,261 |
| Memoranda: | ||
| Average total assets | $52,001,379,500 | 42 |
| Average earning assets | $46,987,727,000 | 44 |
| Average equity | $7,084,525,500 | 41 |
| Average total loans | $40,345,963,500 | 37 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7147% | 4,645 |
| Cost of funding earning assets | 1.3952% | 144 |
| Net interest margin | 2.3195% | 5,277 |
| Noninterest income to average assets | 0.1829% | 4,809 |
| Noninterest expense to average assets | 1.0134% | 5,351 |
| Loan and lease loss provision to assets | 0.0362% | 3,476 |
| Net operating income to assets | 0.9223% | 3,358 |
| Return on assets (ROA) | 0.9192% | 3,359 |
| Pretax return on assets | 1.2201% | 2,813 |
| Return on Equity (ROE) | 6.5835% | 3,975 |
| Retained earnings to average equity (ytd only) | 1.1904% | 4,652 |
| Net charge-offs to loans | 0.0419% | 2,577 |
| Credit loss provision to net charge-offs | 110.7633% | 2,329 |
| Earnings coverage of net charge-offs (x) | 38.5874% | 1,351 |
| Efficiency ratio | 44.5711% | 5,163 |
| Assets per employee ($millions) | 17.8080% | 61 |
| Cash dividends to net income (ytd only)* | 81.9181% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3979% | 5,217 |
| Loan loss allowance to noncurrent loans | 351.2064% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 4,359 |
| Noncurrent loans to loans | 0.1133% | 4,223 |
| Net loans and leases to total assets | 77.1207% | 1,423 |
| Net loans and leases to deposits | 129.0820% | 51 |
| Net loans and leases to core deposits | 166.2018% | 72 |
| Total domestic deposits to total assets | 59.7455% | 5,320 |
| Equity capital to assets | 13.6178% | 1,100 |
| Core capital (leverage) ratio | 9.5821% | 4,026 |
| Tier 1 risk-based capital ratio | 13.0975% | 3,791 |
| Total risk-based capital ratio | 13.5436% | 4,126 |
| Memoranda: | ||
| Average total assets | $50,466,482,400 | 42 |
| Average earning assets | $45,488,830,600 | 44 |
| Average equity | $7,046,074,600 | 40 |
| Average total loans | $39,363,453,800 | 37 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6829% | 4,683 |
| Cost of funding earning assets | 1.3561% | 126 |
| Net interest margin | 2.3268% | 5,343 |
| Noninterest income to average assets | 0.1805% | 4,881 |
| Noninterest expense to average assets | 0.9660% | 5,428 |
| Loan and lease loss provision to assets | 0.0085% | 3,810 |
| Net operating income to assets | 0.9763% | 3,191 |
| Return on assets (ROA) | 0.9747% | 3,208 |
| Pretax return on assets | 1.3012% | 2,625 |
| Return on Equity (ROE) | 7.0649% | 3,912 |
| Retained earnings to average equity (ytd only) | 1.1591% | 4,811 |
| Net charge-offs to loans | 0.0078% | 3,133 |
| Credit loss provision to net charge-offs | 138.3899% | 1,820 |
| Earnings coverage of net charge-offs (x) | 213.5143% | 421 |
| Efficiency ratio | 42.4105% | 5,263 |
| Assets per employee ($millions) | 29.5437% | 33 |
| Cash dividends to net income (ytd only)* | 83.5941% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3633% | 5,320 |
| Loan loss allowance to noncurrent loans | 1,503.0838% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 4,838 |
| Noncurrent loans to loans | 0.0242% | 4,793 |
| Net loans and leases to total assets | 77.1819% | 1,473 |
| Net loans and leases to deposits | 133.5920% | 33 |
| Net loans and leases to core deposits | 172.0299% | 64 |
| Total domestic deposits to total assets | 57.7744% | 5,407 |
| Equity capital to assets | 13.4544% | 1,151 |
| Core capital (leverage) ratio | 9.6076% | 4,049 |
| Tier 1 risk-based capital ratio | 13.0554% | 3,875 |
| Total risk-based capital ratio | 13.4632% | 4,261 |
| Memoranda: | ||
| Average total assets | $46,637,288,500 | 45 |
| Average earning assets | $42,037,528,750 | 45 |
| Average equity | $6,434,108,750 | 41 |
| Average total loans | $36,505,209,500 | 37 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6686% | 4,651 |
| Cost of funding earning assets | 1.2685% | 141 |
| Net interest margin | 2.4001% | 5,380 |
| Noninterest income to average assets | 0.1813% | 4,920 |
| Noninterest expense to average assets | 0.9816% | 5,489 |
| Loan and lease loss provision to assets | 0.0158% | 3,567 |
| Net operating income to assets | 0.9943% | 3,048 |
| Return on assets (ROA) | 0.9919% | 3,062 |
| Pretax return on assets | 1.3454% | 2,341 |
| Return on Equity (ROE) | 7.1291% | 3,860 |
| Retained earnings to average equity (ytd only) | 1.2239% | 4,710 |
| Net charge-offs to loans | 0.0121% | 2,728 |
| Credit loss provision to net charge-offs | 166.1812% | 1,478 |
| Earnings coverage of net charge-offs (x) | 143.5958% | 535 |
| Efficiency ratio | 41.8444% | 5,353 |
| Assets per employee ($millions) | 29.1255% | 34 |
| Cash dividends to net income (ytd only)* | 82.8327% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3675% | 5,385 |
| Loan loss allowance to noncurrent loans | 1,423.1442% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0312% | 4,875 |
| Noncurrent loans to loans | 0.0258% | 4,813 |
| Net loans and leases to total assets | 77.8074% | 1,347 |
| Net loans and leases to deposits | 136.1648% | 25 |
| Net loans and leases to core deposits | 174.7202% | 53 |
| Total domestic deposits to total assets | 57.1421% | 5,471 |
| Equity capital to assets | 13.6599% | 1,046 |
| Core capital (leverage) ratio | 9.8060% | 3,781 |
| Tier 1 risk-based capital ratio | 13.1877% | 3,795 |
| Total risk-based capital ratio | 13.6034% | 4,159 |
| Memoranda: | ||
| Average total assets | $46,249,129,000 | 45 |
| Average earning assets | $41,710,488,000 | 45 |
| Average equity | $6,434,997,670 | 40 |
| Average total loans | $36,330,663,670 | 37 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6390% | 4,619 |
| Cost of funding earning assets | 1.1888% | 147 |
| Net interest margin | 2.4502% | 5,422 |
| Noninterest income to average assets | 0.1841% | 4,925 |
| Noninterest expense to average assets | 0.9949% | 5,558 |
| Loan and lease loss provision to assets | 0.0258% | 3,180 |
| Net operating income to assets | 1.0065% | 2,834 |
| Return on assets (ROA) | 1.0036% | 2,861 |
| Pretax return on assets | 1.3682% | 2,112 |
| Return on Equity (ROE) | 7.1461% | 3,728 |
| Retained earnings to average equity (ytd only) | 1.2417% | 4,567 |
| Net charge-offs to loans | 0.0301% | 1,892 |
| Credit loss provision to net charge-offs | 108.7900% | 1,463 |
| Earnings coverage of net charge-offs (x) | 58.8908% | 856 |
| Efficiency ratio | 41.5834% | 5,413 |
| Assets per employee ($millions) | 28.4619% | 36 |
| Cash dividends to net income (ytd only)* | 82.6245% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3691% | 5,452 |
| Loan loss allowance to noncurrent loans | 520.6850% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.0700% | 4,740 |
| Noncurrent loans to loans | 0.0709% | 4,663 |
| Net loans and leases to total assets | 78.2663% | 1,200 |
| Net loans and leases to deposits | 136.4702% | 25 |
| Net loans and leases to core deposits | 174.4168% | 59 |
| Total domestic deposits to total assets | 57.3505% | 5,536 |
| Equity capital to assets | 13.9159% | 913 |
| Core capital (leverage) ratio | 9.9963% | 3,543 |
| Tier 1 risk-based capital ratio | 13.5474% | 3,633 |
| Total risk-based capital ratio | 13.9726% | 4,000 |
| Memoranda: | ||
| Average total assets | $45,825,754,000 | 46 |
| Average earning assets | $41,305,051,500 | 47 |
| Average equity | $6,435,863,500 | 39 |
| Average total loans | $36,106,388,000 | 38 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6453% | 4,463 |
| Cost of funding earning assets | 1.0219% | 189 |
| Net interest margin | 2.6233% | 5,336 |
| Noninterest income to average assets | 0.3800% | 3,761 |
| Noninterest expense to average assets | 1.1985% | 5,585 |
| Loan and lease loss provision to assets | -0.0498% | 5,396 |
| Net operating income to assets | 1.0785% | 1,944 |
| Return on assets (ROA) | 1.1230% | 1,808 |
| Pretax return on assets | 1.6439% | 1,178 |
| Return on Equity (ROE) | 8.1270% | 2,736 |
| Retained earnings to average equity (ytd only) | 2.7504% | 3,664 |
| Net charge-offs to loans | -0.0019% | 4,530 |
| Credit loss provision to net charge-offs | 3,318.5567% | 124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9300% | 5,456 |
| Assets per employee ($millions) | 27.7182% | 34 |
| Cash dividends to net income (ytd only)* | 66.1567% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3722% | 5,510 |
| Loan loss allowance to noncurrent loans | 743.4911% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 4,844 |
| Noncurrent loans to loans | 0.0501% | 4,766 |
| Net loans and leases to total assets | 78.7346% | 1,179 |
| Net loans and leases to deposits | 135.4061% | 30 |
| Net loans and leases to core deposits | 175.7041% | 56 |
| Total domestic deposits to total assets | 58.1470% | 5,597 |
| Equity capital to assets | 14.1746% | 859 |
| Core capital (leverage) ratio | 10.0606% | 3,378 |
| Tier 1 risk-based capital ratio | 13.4332% | 3,668 |
| Total risk-based capital ratio | 13.8576% | 4,032 |
| Memoranda: | ||
| Average total assets | $45,227,118,000 | 45 |
| Average earning assets | $40,466,366,800 | 45 |
| Average equity | $6,249,373,200 | 40 |
| Average total loans | $36,175,774,000 | 37 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6728% | 4,386 |
| Cost of funding earning assets | 1.0061% | 190 |
| Net interest margin | 2.6667% | 5,358 |
| Noninterest income to average assets | 0.4460% | 3,360 |
| Noninterest expense to average assets | 1.2371% | 5,642 |
| Loan and lease loss provision to assets | -0.0822% | 5,566 |
| Net operating income to assets | 1.0401% | 2,372 |
| Return on assets (ROA) | 1.0944% | 2,168 |
| Pretax return on assets | 1.7580% | 982 |
| Return on Equity (ROE) | 7.9719% | 3,136 |
| Retained earnings to average equity (ytd only) | 2.0374% | 4,623 |
| Net charge-offs to loans | -0.0014% | 4,296 |
| Credit loss provision to net charge-offs | 7,082.4427% | 63 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7228% | 5,489 |
| Assets per employee ($millions) | 25.0002% | 37 |
| Cash dividends to net income (ytd only)* | 74.4431% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3650% | 5,585 |
| Loan loss allowance to noncurrent loans | 781.8088% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 4,952 |
| Noncurrent loans to loans | 0.0467% | 4,904 |
| Net loans and leases to total assets | 77.8434% | 1,292 |
| Net loans and leases to deposits | 132.6144% | 36 |
| Net loans and leases to core deposits | 170.7819% | 65 |
| Total domestic deposits to total assets | 58.6991% | 5,663 |
| Equity capital to assets | 14.1926% | 942 |
| Core capital (leverage) ratio | 9.8042% | 3,815 |
| Tier 1 risk-based capital ratio | 13.6020% | 3,634 |
| Total risk-based capital ratio | 14.0218% | 4,058 |
| Memoranda: | ||
| Average total assets | $45,169,455,750 | 45 |
| Average earning assets | $40,349,817,000 | 45 |
| Average equity | $6,200,857,500 | 40 |
| Average total loans | $36,238,546,250 | 37 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6981% | 4,234 |
| Cost of funding earning assets | 0.9790% | 192 |
| Net interest margin | 2.7191% | 5,341 |
| Noninterest income to average assets | 0.2000% | 5,046 |
| Noninterest expense to average assets | 1.2458% | 5,693 |
| Loan and lease loss provision to assets | -0.1273% | 5,666 |
| Net operating income to assets | 0.9469% | 2,678 |
| Return on assets (ROA) | 1.0282% | 2,336 |
| Pretax return on assets | 1.6302% | 1,250 |
| Return on Equity (ROE) | 7.5750% | 3,254 |
| Retained earnings to average equity (ytd only) | 1.7467% | 4,548 |
| Net charge-offs to loans | -0.0012% | 4,145 |
| Credit loss provision to net charge-offs | 13,031.2217% | 20 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4922% | 5,413 |
| Assets per employee ($millions) | 22.1378% | 41 |
| Cash dividends to net income (ytd only)* | 76.9416% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3476% | 5,645 |
| Loan loss allowance to noncurrent loans | 82.4875% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 0.4029% | 3,494 |
| Noncurrent loans to loans | 0.4213% | 3,512 |
| Net loans and leases to total assets | 81.3349% | 767 |
| Net loans and leases to deposits | 138.2701% | 26 |
| Net loans and leases to core deposits | 174.0564% | 63 |
| Total domestic deposits to total assets | 58.8232% | 5,711 |
| Equity capital to assets | 14.1572% | 916 |
| Core capital (leverage) ratio | 9.5310% | 4,102 |
| Tier 1 risk-based capital ratio | 13.1135% | 3,937 |
| Total risk-based capital ratio | 13.5189% | 4,331 |
| Memoranda: | ||
| Average total assets | $45,250,818,330 | 45 |
| Average earning assets | $40,300,894,330 | 44 |
| Average equity | $6,142,446,330 | 41 |
| Average total loans | $36,618,214,000 | 37 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6658% | 4,218 |
| Cost of funding earning assets | 0.9410% | 223 |
| Net interest margin | 2.7248% | 5,358 |
| Noninterest income to average assets | 0.2337% | 4,869 |
| Noninterest expense to average assets | 1.2556% | 5,755 |
| Loan and lease loss provision to assets | -0.0828% | 5,741 |
| Net operating income to assets | 0.9356% | 2,581 |
| Return on assets (ROA) | 0.9467% | 2,598 |
| Pretax return on assets | 1.5054% | 1,514 |
| Return on Equity (ROE) | 7.1249% | 3,352 |
| Retained earnings to average equity (ytd only) | 1.5005% | 4,502 |
| Net charge-offs to loans | -0.0018% | 4,003 |
| Credit loss provision to net charge-offs | 5,671.6867% | 52 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1415% | 5,497 |
| Assets per employee ($millions) | 22.1133% | 41 |
| Cash dividends to net income (ytd only)* | 78.9405% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4008% | 5,686 |
| Loan loss allowance to noncurrent loans | 95.8592% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 0.3963% | 3,611 |
| Noncurrent loans to loans | 0.4181% | 3,594 |
| Net loans and leases to total assets | 79.9633% | 836 |
| Net loans and leases to deposits | 137.7636% | 21 |
| Net loans and leases to core deposits | 169.8729% | 60 |
| Total domestic deposits to total assets | 58.0438% | 5,784 |
| Equity capital to assets | 13.7617% | 983 |
| Core capital (leverage) ratio | 9.5525% | 4,050 |
| Tier 1 risk-based capital ratio | 12.6474% | 4,294 |
| Total risk-based capital ratio | 13.0999% | 4,722 |
| Memoranda: | ||
| Average total assets | $45,494,884,500 | 44 |
| Average earning assets | $40,523,910,000 | 44 |
| Average equity | $6,045,087,500 | 41 |
| Average total loans | $36,659,990,500 | 37 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8352% | 3,788 |
| Cost of funding earning assets | 0.8654% | 354 |
| Net interest margin | 2.9697% | 5,017 |
| Noninterest income to average assets | 0.2791% | 4,742 |
| Noninterest expense to average assets | 1.2283% | 5,825 |
| Loan and lease loss provision to assets | -0.0182% | 5,517 |
| Net operating income to assets | 1.0846% | 1,963 |
| Return on assets (ROA) | 1.0908% | 2,034 |
| Pretax return on assets | 1.7191% | 955 |
| Return on Equity (ROE) | 8.6866% | 2,576 |
| Retained earnings to average equity (ytd only) | 3.6245% | 3,346 |
| Net charge-offs to loans | -0.0029% | 4,745 |
| Credit loss provision to net charge-offs | 782.3585% | 470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9150% | 5,749 |
| Assets per employee ($millions) | 21.9820% | 39 |
| Cash dividends to net income (ytd only)* | 58.2754% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4225% | 5,717 |
| Loan loss allowance to noncurrent loans | 97.8777% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 0.4119% | 3,627 |
| Noncurrent loans to loans | 0.4317% | 3,595 |
| Net loans and leases to total assets | 80.5338% | 810 |
| Net loans and leases to deposits | 138.2105% | 25 |
| Net loans and leases to core deposits | 170.3926% | 60 |
| Total domestic deposits to total assets | 58.2689% | 5,839 |
| Equity capital to assets | 12.8137% | 1,340 |
| Core capital (leverage) ratio | 8.4524% | 5,313 |
| Tier 1 risk-based capital ratio | 11.2313% | 5,201 |
| Total risk-based capital ratio | 11.7093% | 5,531 |
| Memoranda: | ||
| Average total assets | $45,621,432,000 | 43 |
| Average earning assets | $40,563,784,600 | 43 |
| Average equity | $5,728,756,200 | 41 |
| Average total loans | $36,287,840,000 | 36 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8402% | 3,797 |
| Cost of funding earning assets | 0.8557% | 367 |
| Net interest margin | 2.9845% | 5,043 |
| Noninterest income to average assets | 0.2982% | 4,631 |
| Noninterest expense to average assets | 1.2025% | 5,892 |
| Loan and lease loss provision to assets | -0.0213% | 5,674 |
| Net operating income to assets | 1.1165% | 1,930 |
| Return on assets (ROA) | 1.1173% | 2,035 |
| Pretax return on assets | 1.7712% | 949 |
| Return on Equity (ROE) | 8.9434% | 2,522 |
| Retained earnings to average equity (ytd only) | 4.0334% | 3,430 |
| Net charge-offs to loans | -0.0016% | 4,470 |
| Credit loss provision to net charge-offs | 1,688.8889% | 277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5777% | 5,819 |
| Assets per employee ($millions) | 22.0454% | 42 |
| Cash dividends to net income (ytd only)* | 54.9002% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4207% | 5,785 |
| Loan loss allowance to noncurrent loans | 98.0666% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 0.4121% | 3,779 |
| Noncurrent loans to loans | 0.4290% | 3,749 |
| Net loans and leases to total assets | 80.4070% | 831 |
| Net loans and leases to deposits | 137.7641% | 26 |
| Net loans and leases to core deposits | 169.0211% | 67 |
| Total domestic deposits to total assets | 58.3657% | 5,900 |
| Equity capital to assets | 12.6440% | 1,678 |
| Core capital (leverage) ratio | 8.4348% | 5,411 |
| Tier 1 risk-based capital ratio | 10.8268% | 5,467 |
| Total risk-based capital ratio | 11.3051% | 5,726 |
| Memoranda: | ||
| Average total assets | $45,645,596,000 | 43 |
| Average earning assets | $40,575,629,250 | 43 |
| Average equity | $5,702,590,500 | 41 |
| Average total loans | $36,155,206,000 | 36 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8610% | 3,736 |
| Cost of funding earning assets | 0.8491% | 379 |
| Net interest margin | 3.0119% | 5,054 |
| Noninterest income to average assets | 0.2849% | 4,747 |
| Noninterest expense to average assets | 1.1963% | 5,975 |
| Loan and lease loss provision to assets | -0.0111% | 5,770 |
| Net operating income to assets | 1.1180% | 1,897 |
| Return on assets (ROA) | 1.1185% | 2,010 |
| Pretax return on assets | 1.7751% | 927 |
| Return on Equity (ROE) | 8.9889% | 2,493 |
| Retained earnings to average equity (ytd only) | 2.8150% | 4,109 |
| Net charge-offs to loans | -0.0017% | 4,354 |
| Credit loss provision to net charge-offs | 840.0000% | 423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2465% | 5,900 |
| Assets per employee ($millions) | 21.7306% | 39 |
| Cash dividends to net income (ytd only)* | 68.6837% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4403% | 5,854 |
| Loan loss allowance to noncurrent loans | 98.7042% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 3,784 |
| Noncurrent loans to loans | 0.4461% | 3,767 |
| Net loans and leases to total assets | 79.9423% | 918 |
| Net loans and leases to deposits | 136.2626% | 22 |
| Net loans and leases to core deposits | 165.9789% | 74 |
| Total domestic deposits to total assets | 58.6679% | 5,981 |
| Equity capital to assets | 12.5722% | 1,727 |
| Core capital (leverage) ratio | 8.3244% | 5,515 |
| Tier 1 risk-based capital ratio | 10.6338% | 5,612 |
| Total risk-based capital ratio | 11.1313% | 5,841 |
| Memoranda: | ||
| Average total assets | $45,561,258,330 | 42 |
| Average earning assets | $40,460,376,670 | 43 |
| Average equity | $5,668,983,330 | 41 |
| Average total loans | $35,853,073,670 | 36 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8850% | 3,640 |
| Cost of funding earning assets | 0.8567% | 374 |
| Net interest margin | 3.0283% | 5,047 |
| Noninterest income to average assets | 0.2731% | 4,775 |
| Noninterest expense to average assets | 1.1872% | 6,034 |
| Loan and lease loss provision to assets | -0.0222% | 5,913 |
| Net operating income to assets | 1.1322% | 1,782 |
| Return on assets (ROA) | 1.1331% | 1,885 |
| Pretax return on assets | 1.7968% | 856 |
| Return on Equity (ROE) | 9.1544% | 2,341 |
| Retained earnings to average equity (ytd only) | 3.1351% | 3,951 |
| Net charge-offs to loans | -0.0105% | 4,550 |
| Credit loss provision to net charge-offs | 272.0730% | 903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9099% | 5,964 |
| Assets per employee ($millions) | 21.4327% | 43 |
| Cash dividends to net income (ytd only)* | 65.7528% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4507% | 5,909 |
| Loan loss allowance to noncurrent loans | 93.4721% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4740% | 3,702 |
| Noncurrent loans to loans | 0.4822% | 3,736 |
| Net loans and leases to total assets | 79.4725% | 891 |
| Net loans and leases to deposits | 133.5110% | 26 |
| Net loans and leases to core deposits | 162.5741% | 77 |
| Total domestic deposits to total assets | 59.5251% | 6,038 |
| Equity capital to assets | 12.6620% | 1,581 |
| Core capital (leverage) ratio | 8.0308% | 5,752 |
| Tier 1 risk-based capital ratio | 11.0291% | 5,488 |
| Total risk-based capital ratio | 11.5491% | 5,755 |
| Memoranda: | ||
| Average total assets | $45,633,413,500 | 42 |
| Average earning assets | $40,493,892,000 | 43 |
| Average equity | $5,648,528,500 | 41 |
| Average total loans | $35,545,643,000 | 36 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9039% | 3,692 |
| Cost of funding earning assets | 3.1320% | 1 |
| Net interest margin | 0.7718% | 6,149 |
| Noninterest income to average assets | 0.4351% | 3,785 |
| Noninterest expense to average assets | 1.4906% | 5,988 |
| Loan and lease loss provision to assets | -0.0325% | 5,698 |
| Net operating income to assets | -0.1381% | 5,941 |
| Return on assets (ROA) | -0.1323% | 5,953 |
| Pretax return on assets | -0.3289% | 5,990 |
| Return on Equity (ROE) | -1.0798% | 5,943 |
| Retained earnings to average equity (ytd only) | -6.9958% | 5,977 |
| Net charge-offs to loans | -0.0117% | 5,146 |
| Credit loss provision to net charge-offs | 370.2614% | 808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.2485% | 63 |
| Assets per employee ($millions) | 22.2569% | 40 |
| Cash dividends to net income (ytd only)* | -547.8944% | 6,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4608% | 5,950 |
| Loan loss allowance to noncurrent loans | 94.0673% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 0.4582% | 3,774 |
| Noncurrent loans to loans | 0.4898% | 3,736 |
| Net loans and leases to total assets | 75.6751% | 1,468 |
| Net loans and leases to deposits | 135.0316% | 26 |
| Net loans and leases to core deposits | 163.0590% | 70 |
| Total domestic deposits to total assets | 56.0425% | 6,114 |
| Equity capital to assets | 12.1044% | 1,878 |
| Core capital (leverage) ratio | 8.0472% | 5,809 |
| Tier 1 risk-based capital ratio | 11.0419% | 5,500 |
| Total risk-based capital ratio | 11.5715% | 5,778 |
| Memoranda: | ||
| Average total assets | $44,833,455,600 | 42 |
| Average earning assets | $39,793,121,800 | 41 |
| Average equity | $5,493,572,600 | 40 |
| Average total loans | $33,565,992,200 | 37 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9228% | 3,671 |
| Cost of funding earning assets | 1.2887% | 40 |
| Net interest margin | 2.6342% | 5,798 |
| Noninterest income to average assets | 0.4271% | 3,890 |
| Noninterest expense to average assets | 1.1703% | 6,180 |
| Loan and lease loss provision to assets | -0.0300% | 5,874 |
| Net operating income to assets | 1.0310% | 2,325 |
| Return on assets (ROA) | 1.0328% | 2,406 |
| Pretax return on assets | 1.6294% | 1,298 |
| Return on Equity (ROE) | 8.4024% | 2,873 |
| Retained earnings to average equity (ytd only) | 0.4671% | 5,486 |
| Net charge-offs to loans | -0.0140% | 5,087 |
| Credit loss provision to net charge-offs | 286.8179% | 1,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9453% | 6,091 |
| Assets per employee ($millions) | 21.0053% | 46 |
| Cash dividends to net income (ytd only)* | 94.4411% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4952% | 6,023 |
| Loan loss allowance to noncurrent loans | 89.1971% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 0.5338% | 3,706 |
| Noncurrent loans to loans | 0.5551% | 3,665 |
| Net loans and leases to total assets | 74.6629% | 1,617 |
| Net loans and leases to deposits | 130.1839% | 42 |
| Net loans and leases to core deposits | 156.5418% | 84 |
| Total domestic deposits to total assets | 57.3518% | 6,195 |
| Equity capital to assets | 12.1788% | 1,978 |
| Core capital (leverage) ratio | 7.8000% | 5,979 |
| Tier 1 risk-based capital ratio | 11.2157% | 5,542 |
| Total risk-based capital ratio | 11.7875% | 5,796 |
| Memoranda: | ||
| Average total assets | $44,423,710,500 | 41 |
| Average earning assets | $39,458,465,250 | 40 |
| Average equity | $5,460,666,000 | 39 |
| Average total loans | $33,124,773,500 | 36 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9619% | 3,439 |
| Cost of funding earning assets | 1.2926% | 36 |
| Net interest margin | 2.6693% | 5,802 |
| Noninterest income to average assets | 0.4885% | 3,454 |
| Noninterest expense to average assets | 1.1920% | 6,249 |
| Loan and lease loss provision to assets | -0.0081% | 5,956 |
| Net operating income to assets | 1.0565% | 2,118 |
| Return on assets (ROA) | 1.0588% | 2,212 |
| Pretax return on assets | 1.6781% | 1,129 |
| Return on Equity (ROE) | 8.5871% | 2,753 |
| Retained earnings to average equity (ytd only) | 0.3407% | 5,403 |
| Net charge-offs to loans | -0.0070% | 4,831 |
| Credit loss provision to net charge-offs | 154.7186% | 1,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3544% | 6,179 |
| Assets per employee ($millions) | 21.0280% | 47 |
| Cash dividends to net income (ytd only)* | 96.0328% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5201% | 6,068 |
| Loan loss allowance to noncurrent loans | 91.8244% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 0.5546% | 3,760 |
| Noncurrent loans to loans | 0.5664% | 3,752 |
| Net loans and leases to total assets | 74.2492% | 1,623 |
| Net loans and leases to deposits | 126.7567% | 58 |
| Net loans and leases to core deposits | 150.7724% | 103 |
| Total domestic deposits to total assets | 58.5761% | 6,259 |
| Equity capital to assets | 12.2697% | 1,830 |
| Core capital (leverage) ratio | 7.9204% | 5,966 |
| Tier 1 risk-based capital ratio | 11.4145% | 5,519 |
| Total risk-based capital ratio | 12.0211% | 5,756 |
| Memoranda: | ||
| Average total assets | $44,254,827,670 | 42 |
| Average earning assets | $39,291,466,330 | 41 |
| Average equity | $5,456,889,330 | 39 |
| Average total loans | $32,928,621,330 | 36 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0024% | 3,224 |
| Cost of funding earning assets | 1.2963% | 40 |
| Net interest margin | 2.7061% | 5,793 |
| Noninterest income to average assets | 0.4503% | 3,634 |
| Noninterest expense to average assets | 1.2207% | 6,317 |
| Loan and lease loss provision to assets | -0.0092% | 6,099 |
| Net operating income to assets | 1.0368% | 2,089 |
| Return on assets (ROA) | 1.0380% | 2,238 |
| Pretax return on assets | 1.6436% | 1,167 |
| Return on Equity (ROE) | 8.3970% | 2,754 |
| Retained earnings to average equity (ytd only) | 0.3300% | 5,265 |
| Net charge-offs to loans | -0.0132% | 4,850 |
| Credit loss provision to net charge-offs | 93.9759% | 1,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4159% | 6,222 |
| Assets per employee ($millions) | 20.9863% | 48 |
| Cash dividends to net income (ytd only)* | 96.0699% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5310% | 6,147 |
| Loan loss allowance to noncurrent loans | 83.6563% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 0.6988% | 3,392 |
| Noncurrent loans to loans | 0.6347% | 3,686 |
| Net loans and leases to total assets | 73.9225% | 1,514 |
| Net loans and leases to deposits | 123.7528% | 60 |
| Net loans and leases to core deposits | 148.5645% | 107 |
| Total domestic deposits to total assets | 59.7340% | 6,326 |
| Equity capital to assets | 12.4142% | 1,743 |
| Core capital (leverage) ratio | 7.8328% | 6,021 |
| Tier 1 risk-based capital ratio | 11.7255% | 5,422 |
| Total risk-based capital ratio | 12.3567% | 5,672 |
| Memoranda: | ||
| Average total assets | $44,124,097,000 | 42 |
| Average earning assets | $39,179,815,500 | 41 |
| Average equity | $5,454,336,500 | 39 |
| Average total loans | $32,780,035,000 | 36 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9973% | 3,739 |
| Cost of funding earning assets | 1.3017% | 53 |
| Net interest margin | 2.6956% | 5,946 |
| Noninterest income to average assets | 0.3577% | 4,540 |
| Noninterest expense to average assets | 1.1485% | 6,420 |
| Loan and lease loss provision to assets | -0.0421% | 6,006 |
| Net operating income to assets | 1.0213% | 2,294 |
| Return on assets (ROA) | 1.0651% | 2,166 |
| Pretax return on assets | 1.7047% | 978 |
| Return on Equity (ROE) | 8.6926% | 2,736 |
| Retained earnings to average equity (ytd only) | 1.6663% | 4,980 |
| Net charge-offs to loans | 0.0073% | 4,775 |
| Credit loss provision to net charge-offs | -790.2636% | 5,867 |
| Earnings coverage of net charge-offs (x) | 299.1412% | 186 |
| Efficiency ratio | 41.3665% | 6,375 |
| Assets per employee ($millions) | 21.2485% | 44 |
| Cash dividends to net income (ytd only)* | 80.8308% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5274% | 6,225 |
| Loan loss allowance to noncurrent loans | 77.9407% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 0.7115% | 3,443 |
| Noncurrent loans to loans | 0.6767% | 3,651 |
| Net loans and leases to total assets | 73.8725% | 1,603 |
| Net loans and leases to deposits | 126.4820% | 60 |
| Net loans and leases to core deposits | 153.7410% | 103 |
| Total domestic deposits to total assets | 58.4055% | 6,421 |
| Equity capital to assets | 12.3089% | 1,768 |
| Core capital (leverage) ratio | 7.7261% | 6,120 |
| Tier 1 risk-based capital ratio | 12.0160% | 5,354 |
| Total risk-based capital ratio | 12.6591% | 5,634 |
| Memoranda: | ||
| Average total assets | $44,136,771,800 | 40 |
| Average earning assets | $39,047,805,800 | 41 |
| Average equity | $5,408,227,400 | 40 |
| Average total loans | $32,041,841,000 | 35 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0064% | 3,733 |
| Cost of funding earning assets | 1.2932% | 58 |
| Net interest margin | 2.7131% | 5,990 |
| Noninterest income to average assets | 0.3511% | 4,630 |
| Noninterest expense to average assets | 1.1485% | 6,494 |
| Loan and lease loss provision to assets | -0.0556% | 6,203 |
| Net operating income to assets | 1.0293% | 2,324 |
| Return on assets (ROA) | 1.0391% | 2,344 |
| Pretax return on assets | 1.6720% | 1,133 |
| Return on Equity (ROE) | 8.4897% | 2,951 |
| Retained earnings to average equity (ytd only) | 1.0793% | 5,454 |
| Net charge-offs to loans | 0.0093% | 4,405 |
| Credit loss provision to net charge-offs | -830.4878% | 5,839 |
| Earnings coverage of net charge-offs (x) | 239.1962% | 280 |
| Efficiency ratio | 41.2453% | 6,431 |
| Assets per employee ($millions) | 21.4002% | 44 |
| Cash dividends to net income (ytd only)* | 87.2875% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5313% | 6,300 |
| Loan loss allowance to noncurrent loans | 78.6326% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 0.7145% | 3,674 |
| Noncurrent loans to loans | 0.6756% | 3,920 |
| Net loans and leases to total assets | 72.9182% | 1,696 |
| Net loans and leases to deposits | 127.1464% | 56 |
| Net loans and leases to core deposits | 154.2980% | 91 |
| Total domestic deposits to total assets | 57.3498% | 6,509 |
| Equity capital to assets | 12.1629% | 1,934 |
| Core capital (leverage) ratio | 7.6529% | 6,230 |
| Tier 1 risk-based capital ratio | 11.6341% | 5,714 |
| Total risk-based capital ratio | 12.2657% | 5,937 |
| Memoranda: | ||
| Average total assets | $44,100,497,500 | 41 |
| Average earning assets | $38,985,092,000 | 42 |
| Average equity | $5,397,631,500 | 41 |
| Average total loans | $31,830,907,750 | 36 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9989% | 3,731 |
| Cost of funding earning assets | 1.2835% | 62 |
| Net interest margin | 2.7154% | 6,037 |
| Noninterest income to average assets | 0.3564% | 4,568 |
| Noninterest expense to average assets | 1.1618% | 6,562 |
| Loan and lease loss provision to assets | -0.0658% | 6,327 |
| Net operating income to assets | 1.0201% | 2,244 |
| Return on assets (ROA) | 1.0343% | 2,251 |
| Pretax return on assets | 1.6795% | 1,059 |
| Return on Equity (ROE) | 8.4329% | 2,877 |
| Retained earnings to average equity (ytd only) | 0.6376% | 5,478 |
| Net charge-offs to loans | 0.0154% | 3,922 |
| Credit loss provision to net charge-offs | -594.5657% | 5,614 |
| Earnings coverage of net charge-offs (x) | 143.9131% | 423 |
| Efficiency ratio | 41.6647% | 6,490 |
| Assets per employee ($millions) | 21.1213% | 42 |
| Cash dividends to net income (ytd only)* | 92.4389% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5472% | 6,364 |
| Loan loss allowance to noncurrent loans | 74.2072% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 0.7583% | 3,696 |
| Noncurrent loans to loans | 0.7374% | 3,857 |
| Net loans and leases to total assets | 71.9469% | 1,758 |
| Net loans and leases to deposits | 130.4623% | 37 |
| Net loans and leases to core deposits | 158.3511% | 80 |
| Total domestic deposits to total assets | 55.1477% | 6,584 |
| Equity capital to assets | 12.0431% | 1,946 |
| Core capital (leverage) ratio | 7.6577% | 6,259 |
| Tier 1 risk-based capital ratio | 11.5977% | 5,745 |
| Total risk-based capital ratio | 12.2463% | 5,996 |
| Memoranda: | ||
| Average total assets | $43,927,530,670 | 41 |
| Average earning assets | $38,776,851,330 | 41 |
| Average equity | $5,387,844,000 | 41 |
| Average total loans | $31,538,063,670 | 35 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0381% | 3,531 |
| Cost of funding earning assets | 1.2814% | 67 |
| Net interest margin | 2.7567% | 6,023 |
| Noninterest income to average assets | 0.2662% | 5,239 |
| Noninterest expense to average assets | 1.1670% | 6,640 |
| Loan and lease loss provision to assets | -0.1346% | 6,519 |
| Net operating income to assets | 1.0050% | 2,195 |
| Return on assets (ROA) | 1.0337% | 2,142 |
| Pretax return on assets | 1.7115% | 955 |
| Return on Equity (ROE) | 8.3495% | 2,759 |
| Retained earnings to average equity (ytd only) | 0.1736% | 5,493 |
| Net charge-offs to loans | 0.0213% | 3,151 |
| Credit loss provision to net charge-offs | -884.5224% | 5,307 |
| Earnings coverage of net charge-offs (x) | 100.6626% | 457 |
| Efficiency ratio | 42.6691% | 6,530 |
| Assets per employee ($millions) | 20.6173% | 45 |
| Cash dividends to net income (ytd only)* | 97.9205% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5655% | 6,446 |
| Loan loss allowance to noncurrent loans | 61.2440% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 0.9058% | 3,468 |
| Noncurrent loans to loans | 0.9233% | 3,573 |
| Net loans and leases to total assets | 71.3451% | 1,675 |
| Net loans and leases to deposits | 129.4053% | 37 |
| Net loans and leases to core deposits | 158.2228% | 78 |
| Total domestic deposits to total assets | 55.1331% | 6,659 |
| Equity capital to assets | 12.2632% | 1,708 |
| Core capital (leverage) ratio | 7.7902% | 6,226 |
| Tier 1 risk-based capital ratio | 11.9822% | 5,658 |
| Total risk-based capital ratio | 12.6536% | 5,918 |
| Memoranda: | ||
| Average total assets | $43,471,025,000 | 40 |
| Average earning assets | $38,364,273,000 | 41 |
| Average equity | $5,381,663,000 | 41 |
| Average total loans | $31,087,652,500 | 35 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3458% | 2,787 |
| Cost of funding earning assets | 1.3781% | 78 |
| Net interest margin | 2.9677% | 5,651 |
| Noninterest income to average assets | 0.4296% | 4,236 |
| Noninterest expense to average assets | 1.2664% | 6,693 |
| Loan and lease loss provision to assets | 0.0614% | 3,910 |
| Net operating income to assets | 1.0816% | 1,994 |
| Return on assets (ROA) | 1.1184% | 1,937 |
| Pretax return on assets | 1.7689% | 817 |
| Return on Equity (ROE) | 8.7712% | 2,656 |
| Retained earnings to average equity (ytd only) | 0.7277% | 5,507 |
| Net charge-offs to loans | 0.0373% | 4,707 |
| Credit loss provision to net charge-offs | 227.3634% | 1,003 |
| Earnings coverage of net charge-offs (x) | 65.6098% | 640 |
| Efficiency ratio | 40.6687% | 6,682 |
| Assets per employee ($millions) | 20.6662% | 47 |
| Cash dividends to net income (ytd only)* | 91.7036% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6336% | 6,440 |
| Loan loss allowance to noncurrent loans | 64.6861% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 0.9496% | 3,525 |
| Noncurrent loans to loans | 0.9794% | 3,564 |
| Net loans and leases to total assets | 70.8200% | 1,877 |
| Net loans and leases to deposits | 131.2229% | 33 |
| Net loans and leases to core deposits | 161.7466% | 66 |
| Total domestic deposits to total assets | 53.9692% | 6,743 |
| Equity capital to assets | 12.4989% | 1,508 |
| Core capital (leverage) ratio | 7.8562% | 6,216 |
| Tier 1 risk-based capital ratio | 12.2159% | 5,482 |
| Total risk-based capital ratio | 12.9613% | 5,732 |
| Memoranda: | ||
| Average total assets | $41,925,430,000 | 39 |
| Average earning assets | $36,868,254,800 | 42 |
| Average equity | $5,345,930,600 | 39 |
| Average total loans | $30,407,345,800 | 33 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3638% | 2,719 |
| Cost of funding earning assets | 1.3927% | 79 |
| Net interest margin | 2.9711% | 5,663 |
| Noninterest income to average assets | 0.4717% | 3,992 |
| Noninterest expense to average assets | 1.2811% | 6,752 |
| Loan and lease loss provision to assets | 0.0915% | 3,240 |
| Net operating income to assets | 1.0814% | 2,079 |
| Return on assets (ROA) | 1.1254% | 1,975 |
| Pretax return on assets | 1.7796% | 947 |
| Return on Equity (ROE) | 8.7807% | 2,749 |
| Retained earnings to average equity (ytd only) | 1.0367% | 5,564 |
| Net charge-offs to loans | 0.0389% | 4,371 |
| Credit loss provision to net charge-offs | 322.9440% | 794 |
| Earnings coverage of net charge-offs (x) | 63.6015% | 719 |
| Efficiency ratio | 40.4692% | 6,741 |
| Assets per employee ($millions) | 20.2054% | 53 |
| Cash dividends to net income (ytd only)* | 88.1937% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6550% | 6,495 |
| Loan loss allowance to noncurrent loans | 58.2739% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 1.0534% | 3,545 |
| Noncurrent loans to loans | 1.1240% | 3,558 |
| Net loans and leases to total assets | 71.0426% | 1,771 |
| Net loans and leases to deposits | 131.6140% | 33 |
| Net loans and leases to core deposits | 163.7274% | 65 |
| Total domestic deposits to total assets | 53.9780% | 6,820 |
| Equity capital to assets | 12.5722% | 1,545 |
| Core capital (leverage) ratio | 8.2073% | 6,054 |
| Tier 1 risk-based capital ratio | 12.3158% | 5,561 |
| Total risk-based capital ratio | 13.0847% | 5,835 |
| Memoranda: | ||
| Average total assets | $41,644,855,750 | 39 |
| Average earning assets | $36,609,628,750 | 42 |
| Average equity | $5,337,288,500 | 39 |
| Average total loans | $30,338,990,750 | 31 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4372% | 2,432 |
| Cost of funding earning assets | 1.4170% | 74 |
| Net interest margin | 3.0202% | 5,521 |
| Noninterest income to average assets | 0.4540% | 4,135 |
| Noninterest expense to average assets | 1.3055% | 6,786 |
| Loan and lease loss provision to assets | 0.0684% | 3,676 |
| Net operating income to assets | 1.0982% | 1,935 |
| Return on assets (ROA) | 1.1614% | 1,807 |
| Pretax return on assets | 1.8322% | 861 |
| Return on Equity (ROE) | 9.0030% | 2,606 |
| Retained earnings to average equity (ytd only) | 1.1227% | 5,449 |
| Net charge-offs to loans | 0.0305% | 4,261 |
| Credit loss provision to net charge-offs | 305.8925% | 843 |
| Earnings coverage of net charge-offs (x) | 80.6308% | 562 |
| Efficiency ratio | 40.9324% | 6,780 |
| Assets per employee ($millions) | 18.9410% | 54 |
| Cash dividends to net income (ytd only)* | 87.5299% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6286% | 6,579 |
| Loan loss allowance to noncurrent loans | 45.1449% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 1.3194% | 3,138 |
| Noncurrent loans to loans | 1.3923% | 3,216 |
| Net loans and leases to total assets | 72.8362% | 1,433 |
| Net loans and leases to deposits | 129.5994% | 42 |
| Net loans and leases to core deposits | 163.8764% | 67 |
| Total domestic deposits to total assets | 56.2010% | 6,858 |
| Equity capital to assets | 13.0107% | 1,338 |
| Core capital (leverage) ratio | 8.2522% | 5,954 |
| Tier 1 risk-based capital ratio | 12.5774% | 5,447 |
| Total risk-based capital ratio | 13.3346% | 5,689 |
| Memoranda: | ||
| Average total assets | $41,315,320,330 | 40 |
| Average earning assets | $36,295,648,670 | 42 |
| Average equity | $5,329,734,670 | 39 |
| Average total loans | $30,289,452,330 | 31 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2833% | 2,958 |
| Cost of funding earning assets | 1.4191% | 81 |
| Net interest margin | 2.8643% | 5,878 |
| Noninterest income to average assets | 0.4635% | 4,030 |
| Noninterest expense to average assets | 1.3144% | 6,868 |
| Loan and lease loss provision to assets | 0.0531% | 3,737 |
| Net operating income to assets | 1.0257% | 2,121 |
| Return on assets (ROA) | 1.1491% | 1,782 |
| Pretax return on assets | 1.8074% | 866 |
| Return on Equity (ROE) | 8.9454% | 2,509 |
| Retained earnings to average equity (ytd only) | 0.6740% | 5,556 |
| Net charge-offs to loans | 0.0049% | 4,066 |
| Credit loss provision to net charge-offs | 1,475.0670% | 224 |
| Earnings coverage of net charge-offs (x) | 462.9223% | 72 |
| Efficiency ratio | 42.9288% | 6,810 |
| Assets per employee ($millions) | 19.2184% | 58 |
| Cash dividends to net income (ytd only)* | 92.4649% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6081% | 6,699 |
| Loan loss allowance to noncurrent loans | 39.2279% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 1.4169% | 3,147 |
| Noncurrent loans to loans | 1.5501% | 3,222 |
| Net loans and leases to total assets | 72.8747% | 1,222 |
| Net loans and leases to deposits | 129.6775% | 37 |
| Net loans and leases to core deposits | 167.0279% | 61 |
| Total domestic deposits to total assets | 56.1969% | 6,937 |
| Equity capital to assets | 12.8249% | 1,516 |
| Core capital (leverage) ratio | 8.3115% | 5,811 |
| Tier 1 risk-based capital ratio | 12.3955% | 5,648 |
| Total risk-based capital ratio | 13.1359% | 5,949 |
| Memoranda: | ||
| Average total assets | $41,412,510,500 | 40 |
| Average earning assets | $36,417,218,500 | 42 |
| Average equity | $5,319,547,000 | 39 |
| Average total loans | $30,363,983,500 | 31 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7951% | 2,219 |
| Cost of funding earning assets | 1.6587% | 89 |
| Net interest margin | 3.1364% | 5,728 |
| Noninterest income to average assets | 0.6584% | 2,949 |
| Noninterest expense to average assets | 1.3276% | 6,941 |
| Loan and lease loss provision to assets | 0.1489% | 3,745 |
| Net operating income to assets | 1.2299% | 1,503 |
| Return on assets (ROA) | 1.2331% | 1,663 |
| Pretax return on assets | 1.9358% | 689 |
| Return on Equity (ROE) | 9.4317% | 2,430 |
| Retained earnings to average equity (ytd only) | 0.3948% | 5,658 |
| Net charge-offs to loans | 0.1312% | 4,364 |
| Credit loss provision to net charge-offs | 156.3725% | 1,727 |
| Earnings coverage of net charge-offs (x) | 21.8426% | 1,285 |
| Efficiency ratio | 37.8312% | 6,976 |
| Assets per employee ($millions) | 18.9946% | 58 |
| Cash dividends to net income (ytd only)* | 95.8145% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5941% | 6,765 |
| Loan loss allowance to noncurrent loans | 32.9936% | 5,940 |
| Noncurrent assets plus other real estate owned to assets | 1.4980% | 3,135 |
| Noncurrent loans to loans | 1.8005% | 2,916 |
| Net loans and leases to total assets | 72.8855% | 1,355 |
| Net loans and leases to deposits | 131.2467% | 39 |
| Net loans and leases to core deposits | 170.4428% | 63 |
| Total domestic deposits to total assets | 55.5332% | 6,999 |
| Equity capital to assets | 12.8657% | 1,510 |
| Core capital (leverage) ratio | 8.3346% | 5,848 |
| Tier 1 risk-based capital ratio | 12.4971% | 5,484 |
| Total risk-based capital ratio | 13.2181% | 5,764 |
| Memoranda: | ||
| Average total assets | $40,627,030,200 | 40 |
| Average earning assets | $35,607,405,200 | 41 |
| Average equity | $5,311,508,600 | 38 |
| Average total loans | $29,482,285,200 | 32 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8535% | 2,181 |
| Cost of funding earning assets | 1.6693% | 96 |
| Net interest margin | 3.1843% | 5,736 |
| Noninterest income to average assets | 0.6990% | 2,716 |
| Noninterest expense to average assets | 1.3337% | 7,027 |
| Loan and lease loss provision to assets | 0.1937% | 3,158 |
| Net operating income to assets | 1.2446% | 1,591 |
| Return on assets (ROA) | 1.2475% | 1,749 |
| Pretax return on assets | 1.9657% | 757 |
| Return on Equity (ROE) | 9.5033% | 2,585 |
| Retained earnings to average equity (ytd only) | 1.0926% | 5,732 |
| Net charge-offs to loans | 0.1617% | 3,825 |
| Credit loss provision to net charge-offs | 165.4784% | 1,687 |
| Earnings coverage of net charge-offs (x) | 18.4111% | 1,563 |
| Efficiency ratio | 37.1065% | 7,058 |
| Assets per employee ($millions) | 19.2696% | 62 |
| Cash dividends to net income (ytd only)* | 88.5026% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6065% | 6,857 |
| Loan loss allowance to noncurrent loans | 33.9069% | 5,938 |
| Noncurrent assets plus other real estate owned to assets | 1.5224% | 3,297 |
| Noncurrent loans to loans | 1.7887% | 3,091 |
| Net loans and leases to total assets | 72.0248% | 1,552 |
| Net loans and leases to deposits | 130.4398% | 45 |
| Net loans and leases to core deposits | 166.8498% | 71 |
| Total domestic deposits to total assets | 55.2169% | 7,095 |
| Equity capital to assets | 12.9417% | 1,619 |
| Core capital (leverage) ratio | 8.2886% | 6,028 |
| Tier 1 risk-based capital ratio | 12.6860% | 5,488 |
| Total risk-based capital ratio | 13.4187% | 5,813 |
| Memoranda: | ||
| Average total assets | $40,455,468,000 | 41 |
| Average earning assets | $35,441,476,500 | 41 |
| Average equity | $5,310,574,500 | 39 |
| Average total loans | $29,280,021,500 | 34 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9357% | 1,975 |
| Cost of funding earning assets | 1.6827% | 109 |
| Net interest margin | 3.2530% | 5,584 |
| Noninterest income to average assets | 0.6830% | 2,756 |
| Noninterest expense to average assets | 1.3404% | 7,087 |
| Loan and lease loss provision to assets | 0.2362% | 2,710 |
| Net operating income to assets | 1.2354% | 1,595 |
| Return on assets (ROA) | 1.2381% | 1,775 |
| Pretax return on assets | 1.9562% | 748 |
| Return on Equity (ROE) | 9.3863% | 2,620 |
| Retained earnings to average equity (ytd only) | 1.0848% | 5,641 |
| Net charge-offs to loans | 0.1994% | 3,387 |
| Credit loss provision to net charge-offs | 163.6928% | 1,699 |
| Earnings coverage of net charge-offs (x) | 15.1661% | 1,661 |
| Efficiency ratio | 36.8641% | 7,111 |
| Assets per employee ($millions) | 19.0887% | 60 |
| Cash dividends to net income (ytd only)* | 88.4433% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6010% | 6,936 |
| Loan loss allowance to noncurrent loans | 30.9620% | 6,111 |
| Noncurrent assets plus other real estate owned to assets | 1.6355% | 3,275 |
| Noncurrent loans to loans | 1.9412% | 3,009 |
| Net loans and leases to total assets | 71.5674% | 1,634 |
| Net loans and leases to deposits | 125.1842% | 54 |
| Net loans and leases to core deposits | 162.7940% | 84 |
| Total domestic deposits to total assets | 57.1697% | 7,156 |
| Equity capital to assets | 13.0372% | 1,499 |
| Core capital (leverage) ratio | 8.5314% | 5,611 |
| Tier 1 risk-based capital ratio | 12.8193% | 5,322 |
| Total risk-based capital ratio | 13.5384% | 5,709 |
| Memoranda: | ||
| Average total assets | $40,182,135,330 | 41 |
| Average earning assets | $35,148,218,330 | 41 |
| Average equity | $5,300,189,670 | 38 |
| Average total loans | $29,070,033,670 | 34 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8576% | 2,411 |
| Cost of funding earning assets | 1.7017% | 123 |
| Net interest margin | 3.1559% | 5,892 |
| Noninterest income to average assets | 0.5754% | 3,376 |
| Noninterest expense to average assets | 1.3150% | 7,166 |
| Loan and lease loss provision to assets | 0.1405% | 3,597 |
| Net operating income to assets | 1.1861% | 1,784 |
| Return on assets (ROA) | 1.1907% | 1,950 |
| Pretax return on assets | 1.8815% | 915 |
| Return on Equity (ROE) | 8.9737% | 2,849 |
| Retained earnings to average equity (ytd only) | 0.6560% | 5,797 |
| Net charge-offs to loans | 0.2066% | 2,891 |
| Credit loss provision to net charge-offs | 93.7584% | 2,476 |
| Earnings coverage of net charge-offs (x) | 13.4484% | 1,536 |
| Efficiency ratio | 38.2724% | 7,146 |
| Assets per employee ($millions) | 18.8424% | 64 |
| Cash dividends to net income (ytd only)* | 92.6893% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5404% | 7,037 |
| Loan loss allowance to noncurrent loans | 24.7561% | 6,388 |
| Noncurrent assets plus other real estate owned to assets | 1.8690% | 3,092 |
| Noncurrent loans to loans | 2.1830% | 2,932 |
| Net loans and leases to total assets | 71.8534% | 1,427 |
| Net loans and leases to deposits | 135.9946% | 31 |
| Net loans and leases to core deposits | 167.8982% | 74 |
| Total domestic deposits to total assets | 52.8355% | 7,233 |
| Equity capital to assets | 13.1531% | 1,376 |
| Core capital (leverage) ratio | 8.4707% | 5,643 |
| Tier 1 risk-based capital ratio | 12.6318% | 5,492 |
| Total risk-based capital ratio | 13.2650% | 5,939 |
| Memoranda: | ||
| Average total assets | $39,867,423,000 | 40 |
| Average earning assets | $34,795,850,000 | 42 |
| Average equity | $5,289,944,500 | 38 |
| Average total loans | $28,912,860,000 | 35 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2739% | 1,794 |
| Cost of funding earning assets | 1.8517% | 181 |
| Net interest margin | 3.4222% | 5,420 |
| Noninterest income to average assets | 0.4455% | 4,260 |
| Noninterest expense to average assets | 1.3504% | 7,228 |
| Loan and lease loss provision to assets | 0.2506% | 3,694 |
| Net operating income to assets | 1.1809% | 1,565 |
| Return on assets (ROA) | 1.2075% | 1,602 |
| Pretax return on assets | 1.8532% | 728 |
| Return on Equity (ROE) | 8.7384% | 2,572 |
| Retained earnings to average equity (ytd only) | -1.5931% | 6,104 |
| Net charge-offs to loans | 0.3374% | 3,708 |
| Credit loss provision to net charge-offs | 102.2890% | 3,385 |
| Earnings coverage of net charge-offs (x) | 8.4207% | 2,152 |
| Efficiency ratio | 37.9667% | 7,234 |
| Assets per employee ($millions) | 18.6349% | 67 |
| Cash dividends to net income (ytd only)* | 118.2313% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5503% | 7,066 |
| Loan loss allowance to noncurrent loans | 24.0201% | 6,475 |
| Noncurrent assets plus other real estate owned to assets | 2.0607% | 2,892 |
| Noncurrent loans to loans | 2.2911% | 2,864 |
| Net loans and leases to total assets | 72.4061% | 1,574 |
| Net loans and leases to deposits | 137.9914% | 42 |
| Net loans and leases to core deposits | 170.7534% | 90 |
| Total domestic deposits to total assets | 52.4715% | 7,276 |
| Equity capital to assets | 13.3869% | 1,329 |
| Core capital (leverage) ratio | 8.4566% | 5,631 |
| Tier 1 risk-based capital ratio | 12.7755% | 5,258 |
| Total risk-based capital ratio | 13.4219% | 5,686 |
| Memoranda: | ||
| Average total assets | $38,876,356,000 | 40 |
| Average earning assets | $33,714,002,800 | 41 |
| Average equity | $5,371,922,200 | 37 |
| Average total loans | $28,224,391,200 | 34 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3080% | 1,824 |
| Cost of funding earning assets | 1.8687% | 198 |
| Net interest margin | 3.4394% | 5,431 |
| Noninterest income to average assets | 0.4121% | 4,569 |
| Noninterest expense to average assets | 1.3650% | 7,291 |
| Loan and lease loss provision to assets | 0.2228% | 3,786 |
| Net operating income to assets | 1.1740% | 1,734 |
| Return on assets (ROA) | 1.2070% | 1,740 |
| Pretax return on assets | 1.8550% | 852 |
| Return on Equity (ROE) | 8.6664% | 2,760 |
| Retained earnings to average equity (ytd only) | 0.2622% | 5,876 |
| Net charge-offs to loans | 0.3535% | 3,325 |
| Credit loss provision to net charge-offs | 86.8529% | 3,892 |
| Earnings coverage of net charge-offs (x) | 7.9023% | 2,278 |
| Efficiency ratio | 38.5285% | 7,279 |
| Assets per employee ($millions) | 16.0171% | 80 |
| Cash dividends to net income (ytd only)* | 96.9750% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5048% | 7,164 |
| Loan loss allowance to noncurrent loans | 19.6113% | 6,688 |
| Noncurrent assets plus other real estate owned to assets | 2.3592% | 2,720 |
| Noncurrent loans to loans | 2.5740% | 2,694 |
| Net loans and leases to total assets | 72.9987% | 1,507 |
| Net loans and leases to deposits | 136.4328% | 41 |
| Net loans and leases to core deposits | 170.6852% | 88 |
| Total domestic deposits to total assets | 53.5052% | 7,347 |
| Equity capital to assets | 13.6785% | 1,293 |
| Core capital (leverage) ratio | 8.7938% | 5,275 |
| Tier 1 risk-based capital ratio | 12.9597% | 5,130 |
| Total risk-based capital ratio | 13.5481% | 5,652 |
| Memoranda: | ||
| Average total assets | $38,728,265,000 | 40 |
| Average earning assets | $33,552,849,750 | 41 |
| Average equity | $5,393,989,750 | 37 |
| Average total loans | $28,096,508,750 | 33 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4008% | 1,560 |
| Cost of funding earning assets | 1.8833% | 223 |
| Net interest margin | 3.5175% | 5,080 |
| Noninterest income to average assets | 0.3824% | 4,822 |
| Noninterest expense to average assets | 1.3627% | 7,372 |
| Loan and lease loss provision to assets | 0.2428% | 3,477 |
| Net operating income to assets | 1.1841% | 1,620 |
| Return on assets (ROA) | 1.2153% | 1,609 |
| Pretax return on assets | 1.8695% | 754 |
| Return on Equity (ROE) | 8.6724% | 2,646 |
| Retained earnings to average equity (ytd only) | -0.0434% | 5,846 |
| Net charge-offs to loans | 0.4391% | 2,816 |
| Credit loss provision to net charge-offs | 76.4940% | 3,871 |
| Earnings coverage of net charge-offs (x) | 6.5047% | 2,388 |
| Efficiency ratio | 37.9502% | 7,364 |
| Assets per employee ($millions) | 15.1858% | 92 |
| Cash dividends to net income (ytd only)* | 100.4999% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5064% | 7,220 |
| Loan loss allowance to noncurrent loans | 17.2717% | 6,800 |
| Noncurrent assets plus other real estate owned to assets | 2.5146% | 2,647 |
| Noncurrent loans to loans | 2.9318% | 2,484 |
| Net loans and leases to total assets | 73.1150% | 1,571 |
| Net loans and leases to deposits | 138.2061% | 42 |
| Net loans and leases to core deposits | 170.4399% | 99 |
| Total domestic deposits to total assets | 52.9029% | 7,416 |
| Equity capital to assets | 14.1603% | 1,042 |
| Core capital (leverage) ratio | 9.0038% | 4,719 |
| Tier 1 risk-based capital ratio | 13.3039% | 4,688 |
| Total risk-based capital ratio | 13.8919% | 5,192 |
| Memoranda: | ||
| Average total assets | $38,482,272,670 | 42 |
| Average earning assets | $33,307,791,330 | 43 |
| Average equity | $5,392,521,330 | 38 |
| Average total loans | $27,810,004,330 | 34 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3611% | 1,695 |
| Cost of funding earning assets | 1.8751% | 282 |
| Net interest margin | 3.4860% | 5,072 |
| Noninterest income to average assets | 0.4098% | 4,627 |
| Noninterest expense to average assets | 1.3053% | 7,454 |
| Loan and lease loss provision to assets | 0.2481% | 3,179 |
| Net operating income to assets | 1.2113% | 1,499 |
| Return on assets (ROA) | 1.2726% | 1,387 |
| Pretax return on assets | 1.9703% | 586 |
| Return on Equity (ROE) | 9.1286% | 2,419 |
| Retained earnings to average equity (ytd only) | 0.2305% | 5,723 |
| Net charge-offs to loans | 0.5181% | 2,188 |
| Credit loss provision to net charge-offs | 66.8096% | 3,410 |
| Earnings coverage of net charge-offs (x) | 5.7201% | 2,221 |
| Efficiency ratio | 36.2404% | 7,442 |
| Assets per employee ($millions) | 16.1401% | 86 |
| Cash dividends to net income (ytd only)* | 97.4754% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5229% | 7,267 |
| Loan loss allowance to noncurrent loans | 15.2135% | 6,915 |
| Noncurrent assets plus other real estate owned to assets | 2.7481% | 2,516 |
| Noncurrent loans to loans | 3.4370% | 2,185 |
| Net loans and leases to total assets | 71.1280% | 1,896 |
| Net loans and leases to deposits | 133.4448% | 51 |
| Net loans and leases to core deposits | 164.8543% | 118 |
| Total domestic deposits to total assets | 53.3014% | 7,476 |
| Equity capital to assets | 14.0026% | 1,009 |
| Core capital (leverage) ratio | 8.9618% | 4,674 |
| Tier 1 risk-based capital ratio | 13.2493% | 4,622 |
| Total risk-based capital ratio | 13.8447% | 5,151 |
| Memoranda: | ||
| Average total assets | $38,695,625,500 | 42 |
| Average earning assets | $33,517,528,000 | 43 |
| Average equity | $5,394,391,000 | 38 |
| Average total loans | $27,732,033,500 | 34 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4602% | 2,431 |
| Cost of funding earning assets | 2.0119% | 584 |
| Net interest margin | 3.4483% | 5,440 |
| Noninterest income to average assets | 0.6345% | 3,251 |
| Noninterest expense to average assets | 1.2496% | 7,538 |
| Loan and lease loss provision to assets | 0.2318% | 4,961 |
| Net operating income to assets | 1.3708% | 1,008 |
| Return on assets (ROA) | 1.4039% | 1,017 |
| Pretax return on assets | 2.1928% | 329 |
| Return on Equity (ROE) | 10.4973% | 1,765 |
| Retained earnings to average equity (ytd only) | 4.1781% | 2,920 |
| Net charge-offs to loans | 0.1841% | 5,201 |
| Credit loss provision to net charge-offs | 180.2903% | 1,834 |
| Earnings coverage of net charge-offs (x) | 18.4537% | 1,102 |
| Efficiency ratio | 32.7209% | 7,568 |
| Assets per employee ($millions) | 16.5452% | 81 |
| Cash dividends to net income (ytd only)* | 60.1979% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5587% | 7,311 |
| Loan loss allowance to noncurrent loans | 16.7446% | 6,920 |
| Noncurrent assets plus other real estate owned to assets | 2.6294% | 2,646 |
| Noncurrent loans to loans | 3.3364% | 2,277 |
| Net loans and leases to total assets | 71.4296% | 2,213 |
| Net loans and leases to deposits | 136.6404% | 50 |
| Net loans and leases to core deposits | 165.1102% | 129 |
| Total domestic deposits to total assets | 52.2756% | 7,558 |
| Equity capital to assets | 13.8791% | 1,074 |
| Core capital (leverage) ratio | 8.8005% | 4,854 |
| Tier 1 risk-based capital ratio | 13.3014% | 4,372 |
| Total risk-based capital ratio | 13.9497% | 4,839 |
| Memoranda: | ||
| Average total assets | $39,640,163,600 | 42 |
| Average earning assets | $34,350,832,800 | 42 |
| Average equity | $5,301,348,000 | 36 |
| Average total loans | $27,694,538,000 | 34 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3719% | 3,016 |
| Cost of funding earning assets | 2.0298% | 690 |
| Net interest margin | 3.3421% | 5,872 |
| Noninterest income to average assets | 0.6910% | 2,869 |
| Noninterest expense to average assets | 1.2314% | 7,656 |
| Loan and lease loss provision to assets | 0.2343% | 4,732 |
| Net operating income to assets | 1.3563% | 1,206 |
| Return on assets (ROA) | 1.3521% | 1,295 |
| Pretax return on assets | 2.1159% | 484 |
| Return on Equity (ROE) | 10.2041% | 2,048 |
| Retained earnings to average equity (ytd only) | 4.5204% | 3,329 |
| Net charge-offs to loans | 0.2049% | 4,715 |
| Credit loss provision to net charge-offs | 164.7795% | 2,283 |
| Earnings coverage of net charge-offs (x) | 16.5751% | 1,379 |
| Efficiency ratio | 32.5293% | 7,663 |
| Assets per employee ($millions) | 16.8338% | 79 |
| Cash dividends to net income (ytd only)* | 55.6998% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5074% | 7,446 |
| Loan loss allowance to noncurrent loans | 15.5124% | 7,064 |
| Noncurrent assets plus other real estate owned to assets | 2.5194% | 2,849 |
| Noncurrent loans to loans | 3.2711% | 2,424 |
| Net loans and leases to total assets | 70.7461% | 2,547 |
| Net loans and leases to deposits | 134.8119% | 59 |
| Net loans and leases to core deposits | 160.4372% | 148 |
| Total domestic deposits to total assets | 52.4776% | 7,657 |
| Equity capital to assets | 13.5596% | 1,328 |
| Core capital (leverage) ratio | 8.5605% | 5,403 |
| Tier 1 risk-based capital ratio | 13.3073% | 4,348 |
| Total risk-based capital ratio | 13.9085% | 4,832 |
| Memoranda: | ||
| Average total assets | $39,834,024,000 | 42 |
| Average earning assets | $34,530,986,250 | 43 |
| Average equity | $5,278,170,000 | 35 |
| Average total loans | $27,638,953,500 | 34 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3901% | 3,015 |
| Cost of funding earning assets | 2.0453% | 784 |
| Net interest margin | 3.3447% | 5,851 |
| Noninterest income to average assets | 0.5737% | 3,515 |
| Noninterest expense to average assets | 1.1786% | 7,738 |
| Loan and lease loss provision to assets | 0.2003% | 4,868 |
| Net operating income to assets | 1.3372% | 1,223 |
| Return on assets (ROA) | 1.3335% | 1,308 |
| Pretax return on assets | 2.0879% | 502 |
| Return on Equity (ROE) | 10.1420% | 2,051 |
| Retained earnings to average equity (ytd only) | 5.7625% | 2,464 |
| Net charge-offs to loans | 0.1962% | 4,430 |
| Credit loss provision to net charge-offs | 148.3624% | 2,660 |
| Earnings coverage of net charge-offs (x) | 16.9922% | 1,374 |
| Efficiency ratio | 32.1016% | 7,732 |
| Assets per employee ($millions) | 17.1208% | 75 |
| Cash dividends to net income (ytd only)* | 43.1813% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4603% | 7,550 |
| Loan loss allowance to noncurrent loans | 15.0358% | 7,146 |
| Noncurrent assets plus other real estate owned to assets | 2.3119% | 3,119 |
| Noncurrent loans to loans | 3.0615% | 2,627 |
| Net loans and leases to total assets | 69.6050% | 2,992 |
| Net loans and leases to deposits | 132.7052% | 68 |
| Net loans and leases to core deposits | 154.0585% | 196 |
| Total domestic deposits to total assets | 52.4509% | 7,727 |
| Equity capital to assets | 13.3469% | 1,416 |
| Core capital (leverage) ratio | 8.3473% | 5,674 |
| Tier 1 risk-based capital ratio | 13.3512% | 4,171 |
| Total risk-based capital ratio | 13.8936% | 4,708 |
| Memoranda: | ||
| Average total assets | $39,942,418,670 | 42 |
| Average earning assets | $34,617,864,670 | 43 |
| Average equity | $5,251,811,000 | 34 |
| Average total loans | $27,487,432,000 | 34 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3782% | 3,150 |
| Cost of funding earning assets | 2.0298% | 1,001 |
| Net interest margin | 3.3483% | 5,794 |
| Noninterest income to average assets | 0.4603% | 4,381 |
| Noninterest expense to average assets | 1.1647% | 7,839 |
| Loan and lease loss provision to assets | 0.1999% | 4,505 |
| Net operating income to assets | 1.2780% | 1,342 |
| Return on assets (ROA) | 1.2733% | 1,425 |
| Pretax return on assets | 1.9970% | 610 |
| Return on Equity (ROE) | 9.7571% | 2,185 |
| Retained earnings to average equity (ytd only) | 9.7571% | 1,195 |
| Net charge-offs to loans | 0.1417% | 4,087 |
| Credit loss provision to net charge-offs | 206.6756% | 1,807 |
| Earnings coverage of net charge-offs (x) | 22.7884% | 1,077 |
| Efficiency ratio | 32.6908% | 7,827 |
| Assets per employee ($millions) | 16.9738% | 85 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4540% | 7,635 |
| Loan loss allowance to noncurrent loans | 14.8033% | 7,211 |
| Noncurrent assets plus other real estate owned to assets | 2.2752% | 3,185 |
| Noncurrent loans to loans | 3.0667% | 2,609 |
| Net loans and leases to total assets | 68.9129% | 3,176 |
| Net loans and leases to deposits | 129.9093% | 81 |
| Net loans and leases to core deposits | 153.6655% | 218 |
| Total domestic deposits to total assets | 53.0469% | 7,815 |
| Equity capital to assets | 13.2488% | 1,418 |
| Core capital (leverage) ratio | 8.2915% | 5,759 |
| Tier 1 risk-based capital ratio | 13.9586% | 3,683 |
| Total risk-based capital ratio | 14.5183% | 4,096 |
| Memoranda: | ||
| Average total assets | $40,019,271,000 | 41 |
| Average earning assets | $34,763,631,000 | 43 |
| Average equity | $5,222,440,000 | 32 |
| Average total loans | $27,319,642,000 | 34 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4716% | 4,317 |
| Cost of funding earning assets | 2.4439% | 1,178 |
| Net interest margin | 3.0277% | 6,575 |
| Noninterest income to average assets | 0.6957% | 3,006 |
| Noninterest expense to average assets | 1.0068% | 7,944 |
| Loan and lease loss provision to assets | 0.1812% | 5,888 |
| Net operating income to assets | 1.4160% | 822 |
| Return on assets (ROA) | 1.2472% | 1,193 |
| Pretax return on assets | 1.8805% | 537 |
| Return on Equity (ROE) | 9.3536% | 1,903 |
| Retained earnings to average equity (ytd only) | 2.4215% | 3,438 |
| Net charge-offs to loans | 0.1292% | 5,904 |
| Credit loss provision to net charge-offs | 203.6434% | 1,901 |
| Earnings coverage of net charge-offs (x) | 26.0488% | 861 |
| Efficiency ratio | 28.7879% | 7,941 |
| Assets per employee ($millions) | 18.0531% | 85 |
| Cash dividends to net income (ytd only)* | 74.1114% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4257% | 7,738 |
| Loan loss allowance to noncurrent loans | 19.9771% | 7,061 |
| Noncurrent assets plus other real estate owned to assets | 1.4721% | 4,187 |
| Noncurrent loans to loans | 2.1307% | 3,480 |
| Net loans and leases to total assets | 67.0250% | 3,923 |
| Net loans and leases to deposits | 129.2715% | 95 |
| Net loans and leases to core deposits | 149.4201% | 524 |
| Total domestic deposits to total assets | 51.8483% | 7,896 |
| Equity capital to assets | 12.8521% | 1,567 |
| Core capital (leverage) ratio | 9.4674% | 3,758 |
| Tier 1 risk-based capital ratio | 13.7667% | 3,648 |
| Total risk-based capital ratio | 14.2948% | 4,062 |
| Memoranda: | ||
| Average total assets | $32,455,793,000 | 45 |
| Average earning assets | $28,176,370,600 | 47 |
| Average equity | $4,327,704,800 | 41 |
| Average total loans | $22,349,950,600 | 39 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6930% | 3,373 |
| Cost of funding earning assets | 2.6170% | 990 |
| Net interest margin | 3.0760% | 6,378 |
| Noninterest income to average assets | 0.2352% | 6,543 |
| Noninterest expense to average assets | 1.0181% | 8,029 |
| Loan and lease loss provision to assets | 0.1345% | 6,015 |
| Net operating income to assets | 1.2257% | 1,403 |
| Return on assets (ROA) | 1.1040% | 1,777 |
| Pretax return on assets | 1.5783% | 1,220 |
| Return on Equity (ROE) | 8.1826% | 2,566 |
| Retained earnings to average equity (ytd only) | 0.0914% | 5,166 |
| Net charge-offs to loans | 0.1257% | 5,440 |
| Credit loss provision to net charge-offs | 154.2082% | 3,101 |
| Earnings coverage of net charge-offs (x) | 21.6302% | 1,190 |
| Efficiency ratio | 33.3169% | 7,992 |
| Assets per employee ($millions) | 19.4995% | 80 |
| Cash dividends to net income (ytd only)* | 98.8834% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4430% | 7,776 |
| Loan loss allowance to noncurrent loans | 23.8266% | 6,853 |
| Noncurrent assets plus other real estate owned to assets | 1.3548% | 4,384 |
| Noncurrent loans to loans | 1.8594% | 3,829 |
| Net loans and leases to total assets | 69.8866% | 3,546 |
| Net loans and leases to deposits | 167.3115% | 44 |
| Net loans and leases to core deposits | 193.1614% | 123 |
| Total domestic deposits to total assets | 41.7704% | 8,010 |
| Equity capital to assets | 13.6863% | 1,421 |
| Core capital (leverage) ratio | 7.4091% | 7,069 |
| Tier 1 risk-based capital ratio | 11.0235% | 5,930 |
| Total risk-based capital ratio | 11.5240% | 6,656 |
| Memoranda: | ||
| Average total assets | $30,532,228,250 | 48 |
| Average earning assets | $26,496,575,500 | 51 |
| Average equity | $4,119,597,000 | 44 |
| Average total loans | $21,181,032,750 | 44 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6910% | 3,593 |
| Cost of funding earning assets | 2.6636% | 1,130 |
| Net interest margin | 3.0274% | 6,468 |
| Noninterest income to average assets | 0.2317% | 6,625 |
| Noninterest expense to average assets | 1.0321% | 8,119 |
| Loan and lease loss provision to assets | 0.1071% | 6,084 |
| Net operating income to assets | 1.1533% | 1,601 |
| Return on assets (ROA) | 0.9783% | 2,279 |
| Pretax return on assets | 1.4571% | 1,571 |
| Return on Equity (ROE) | 7.2861% | 3,068 |
| Retained earnings to average equity (ytd only) | -1.2809% | 5,561 |
| Net charge-offs to loans | 0.1332% | 4,827 |
| Credit loss provision to net charge-offs | 116.4369% | 3,985 |
| Earnings coverage of net charge-offs (x) | 19.8375% | 1,342 |
| Efficiency ratio | 34.3461% | 8,081 |
| Assets per employee ($millions) | 18.6852% | 85 |
| Cash dividends to net income (ytd only)* | 117.5799% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4087% | 7,894 |
| Loan loss allowance to noncurrent loans | 29.5539% | 6,521 |
| Noncurrent assets plus other real estate owned to assets | 0.9647% | 5,053 |
| Noncurrent loans to loans | 1.3829% | 4,447 |
| Net loans and leases to total assets | 69.1292% | 3,914 |
| Net loans and leases to deposits | 167.0582% | 46 |
| Net loans and leases to core deposits | 195.2868% | 139 |
| Total domestic deposits to total assets | 41.3803% | 8,093 |
| Equity capital to assets | 13.2178% | 1,595 |
| Core capital (leverage) ratio | 7.0011% | 7,538 |
| Tier 1 risk-based capital ratio | 10.1644% | 6,757 |
| Total risk-based capital ratio | 10.6165% | 7,476 |
| Memoranda: | ||
| Average total assets | $30,426,875,330 | 50 |
| Average earning assets | $26,391,150,670 | 54 |
| Average equity | $4,085,465,670 | 46 |
| Average total loans | $21,023,127,000 | 48 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7251% | 3,670 |
| Cost of funding earning assets | 2.7358% | 1,156 |
| Net interest margin | 2.9892% | 6,512 |
| Noninterest income to average assets | 0.2272% | 6,642 |
| Noninterest expense to average assets | 0.9323% | 8,182 |
| Loan and lease loss provision to assets | 0.0767% | 5,998 |
| Net operating income to assets | 1.1895% | 1,688 |
| Return on assets (ROA) | 1.1895% | 1,798 |
| Pretax return on assets | 1.8118% | 957 |
| Return on Equity (ROE) | 8.7888% | 2,802 |
| Retained earnings to average equity (ytd only) | 0.4797% | 5,461 |
| Net charge-offs to loans | 0.0955% | 4,219 |
| Credit loss provision to net charge-offs | 116.5595% | 3,349 |
| Earnings coverage of net charge-offs (x) | 28.6865% | 1,098 |
| Efficiency ratio | 31.2128% | 8,145 |
| Assets per employee ($millions) | 17.9423% | 94 |
| Cash dividends to net income (ytd only)* | 94.5421% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4114% | 7,931 |
| Loan loss allowance to noncurrent loans | 52.2240% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 0.5504% | 5,819 |
| Noncurrent loans to loans | 0.7878% | 5,472 |
| Net loans and leases to total assets | 68.9702% | 3,923 |
| Net loans and leases to deposits | 163.1983% | 48 |
| Net loans and leases to core deposits | 190.5083% | 176 |
| Total domestic deposits to total assets | 42.2616% | 8,133 |
| Equity capital to assets | 13.5961% | 1,499 |
| Core capital (leverage) ratio | 7.1131% | 7,545 |
| Tier 1 risk-based capital ratio | 10.5461% | 6,347 |
| Total risk-based capital ratio | 11.0016% | 7,113 |
| Memoranda: | ||
| Average total assets | $30,234,360,500 | 53 |
| Average earning assets | $26,233,475,000 | 54 |
| Average equity | $4,091,872,500 | 45 |
| Average total loans | $20,840,981,000 | 49 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8922% | 6,075 |
| Cost of funding earning assets | 3.4146% | 684 |
| Net interest margin | 2.4776% | 7,778 |
| Noninterest income to average assets | 0.3334% | 6,068 |
| Noninterest expense to average assets | 1.8358% | 7,709 |
| Loan and lease loss provision to assets | 0.0138% | 7,197 |
| Net operating income to assets | 0.5158% | 4,662 |
| Return on assets (ROA) | 0.3264% | 5,282 |
| Pretax return on assets | 0.3914% | 5,281 |
| Return on Equity (ROE) | 2.3444% | 5,480 |
| Retained earnings to average equity (ytd only) | 0.5040% | 4,932 |
| Net charge-offs to loans | 0.0233% | 6,525 |
| Credit loss provision to net charge-offs | 88.1622% | 5,717 |
| Earnings coverage of net charge-offs (x) | 40.4234% | 919 |
| Efficiency ratio | 72.1627% | 3,905 |
| Assets per employee ($millions) | 17.6105% | 93 |
| Cash dividends to net income (ytd only)* | 78.5036% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4093% | 7,965 |
| Loan loss allowance to noncurrent loans | 79.3431% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 0.3576% | 6,165 |
| Noncurrent loans to loans | 0.5159% | 5,804 |
| Net loans and leases to total assets | 68.3285% | 4,409 |
| Net loans and leases to deposits | 158.5144% | 68 |
| Net loans and leases to core deposits | 179.7387% | 291 |
| Total domestic deposits to total assets | 43.1056% | 8,172 |
| Equity capital to assets | 13.4719% | 1,605 |
| Core capital (leverage) ratio | 7.1265% | 7,591 |
| Tier 1 risk-based capital ratio | 10.6477% | 6,050 |
| Total risk-based capital ratio | 11.1047% | 6,778 |
| Memoranda: | ||
| Average total assets | $29,271,981,400 | 53 |
| Average earning assets | $25,234,787,200 | 55 |
| Average equity | $4,075,141,600 | 43 |
| Average total loans | $19,711,703,800 | 48 |