Home > Synchrony Bank > Performance and Condition Ratios
Synchrony Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.6369% | 54 |
| Cost of funding earning assets | 3.5788% | 66 |
| Net interest margin | 13.0581% | 18 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 4.6101% | 272 |
| Loan and lease loss provision to assets | 5.7300% | 6 |
| Net operating income to assets | 1.9708% | 490 |
| Return on assets (ROA) | 1.9569% | 471 |
| Pretax return on assets | 2.5593% | 319 |
| Return on Equity (ROE) | 16.9400% | 960 |
| Retained earnings to average equity (ytd only) | 4.6644% | 2,726 |
| Net charge-offs to loans | 4.9303% | 15 |
| Credit loss provision to net charge-offs | 130.9067% | 1,594 |
| Earnings coverage of net charge-offs (x) | 1.8975% | 2,736 |
| Efficiency ratio | 34.3729% | 4,459 |
| Assets per employee ($millions) | 10.8546% | 552 |
| Cash dividends to net income (ytd only)* | 72.4638% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.3511% | 16 |
| Loan loss allowance to noncurrent loans | 442.5207% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 2.0926% | 126 |
| Noncurrent loans to loans | 2.3391% | 221 |
| Net loans and leases to total assets | 80.2000% | 625 |
| Net loans and leases to deposits | 105.2278% | 317 |
| Net loans and leases to core deposits | 143.3318% | 243 |
| Total domestic deposits to total assets | 76.2200% | 3,925 |
| Equity capital to assets | 11.1018% | 1,429 |
| Core capital (leverage) ratio | 11.9763% | 1,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2836% | 1,446 |
| Memoranda: | ||
| Average total assets | $102,253,000,000 | 30 |
| Average earning assets | $97,043,200,000 | 30 |
| Average equity | $11,812,800,000 | 26 |
| Average total loans | $90,825,200,000 | 21 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.3569% | 52 |
| Cost of funding earning assets | 3.4212% | 66 |
| Net interest margin | 12.9357% | 17 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 4.5301% | 274 |
| Loan and lease loss provision to assets | 5.3600% | 6 |
| Net operating income to assets | 2.2165% | 366 |
| Return on assets (ROA) | 2.1987% | 369 |
| Pretax return on assets | 2.8944% | 257 |
| Return on Equity (ROE) | 18.8300% | 839 |
| Retained earnings to average equity (ytd only) | 5.7541% | 2,703 |
| Net charge-offs to loans | 4.6623% | 18 |
| Credit loss provision to net charge-offs | 129.7462% | 1,423 |
| Earnings coverage of net charge-offs (x) | 2.0032% | 2,503 |
| Efficiency ratio | 34.0485% | 4,478 |
| Assets per employee ($millions) | 10.5804% | 560 |
| Cash dividends to net income (ytd only)* | 69.4444% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.4199% | 14 |
| Loan loss allowance to noncurrent loans | 492.9842% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 1.8684% | 161 |
| Noncurrent loans to loans | 2.1136% | 272 |
| Net loans and leases to total assets | 79.1900% | 742 |
| Net loans and leases to deposits | 104.7799% | 331 |
| Net loans and leases to core deposits | 143.3669% | 188 |
| Total domestic deposits to total assets | 75.5800% | 4,053 |
| Equity capital to assets | 11.4871% | 1,182 |
| Core capital (leverage) ratio | 12.0814% | 1,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5784% | 1,411 |
| Memoranda: | ||
| Average total assets | $100,422,000,000 | 32 |
| Average earning assets | $95,403,000,000 | 31 |
| Average equity | $11,724,750,000 | 26 |
| Average total loans | $89,024,500,000 | 22 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.0774% | 52 |
| Cost of funding earning assets | 3.2372% | 55 |
| Net interest margin | 12.8402% | 20 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 4.5990% | 259 |
| Loan and lease loss provision to assets | 5.2600% | 7 |
| Net operating income to assets | 2.1882% | 363 |
| Return on assets (ROA) | 2.1578% | 368 |
| Pretax return on assets | 2.8339% | 237 |
| Return on Equity (ROE) | 18.3800% | 910 |
| Retained earnings to average equity (ytd only) | 3.7235% | 3,276 |
| Net charge-offs to loans | 4.6374% | 18 |
| Credit loss provision to net charge-offs | 127.7914% | 1,295 |
| Earnings coverage of net charge-offs (x) | 1.9759% | 2,342 |
| Efficiency ratio | 34.7909% | 4,493 |
| Assets per employee ($millions) | 10.1880% | 637 |
| Cash dividends to net income (ytd only)* | 79.7373% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.3896% | 17 |
| Loan loss allowance to noncurrent loans | 573.4644% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 1.6161% | 212 |
| Noncurrent loans to loans | 1.8117% | 331 |
| Net loans and leases to total assets | 79.9300% | 633 |
| Net loans and leases to deposits | 103.2836% | 390 |
| Net loans and leases to core deposits | 139.4048% | 220 |
| Total domestic deposits to total assets | 77.3900% | 3,909 |
| Equity capital to assets | 11.7134% | 1,129 |
| Core capital (leverage) ratio | 12.0451% | 1,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7008% | 1,382 |
| Memoranda: | ||
| Average total assets | $98,804,333,333 | 32 |
| Average earning assets | $93,908,333,333 | 31 |
| Average equity | $11,602,000,000 | 26 |
| Average total loans | $87,678,666,667 | 23 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.6657% | 10 |
| Cost of funding earning assets | 2.9919% | 32 |
| Net interest margin | 12.6737% | 12 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 4.5341% | 270 |
| Loan and lease loss provision to assets | 5.2300% | 6 |
| Net operating income to assets | 2.2089% | 362 |
| Return on assets (ROA) | 2.1669% | 385 |
| Pretax return on assets | 2.8455% | 240 |
| Return on Equity (ROE) | 18.4300% | 971 |
| Retained earnings to average equity (ytd only) | 2.7819% | 3,551 |
| Net charge-offs to loans | 4.4902% | 22 |
| Credit loss provision to net charge-offs | 131.4815% | 1,001 |
| Earnings coverage of net charge-offs (x) | 2.0442% | 1,940 |
| Efficiency ratio | 34.4638% | 4,564 |
| Assets per employee ($millions) | 10.2289% | 650 |
| Cash dividends to net income (ytd only)* | 84.9057% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.5390% | 10 |
| Loan loss allowance to noncurrent loans | 548.4592% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 1.6654% | 176 |
| Noncurrent loans to loans | 1.9216% | 304 |
| Net loans and leases to total assets | 77.5400% | 815 |
| Net loans and leases to deposits | 99.2439% | 474 |
| Net loans and leases to core deposits | 134.7776% | 231 |
| Total domestic deposits to total assets | 78.1300% | 3,995 |
| Equity capital to assets | 11.7314% | 1,078 |
| Core capital (leverage) ratio | 12.1799% | 1,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2344% | 1,559 |
| Memoranda: | ||
| Average total assets | $97,837,000,000 | 35 |
| Average earning assets | $92,916,500,000 | 33 |
| Average equity | $11,503,000,000 | 29 |
| Average total loans | $86,588,500,000 | 25 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.0036% | 11 |
| Cost of funding earning assets | 1.4219% | 37 |
| Net interest margin | 12.5816% | 11 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 4.7624% | 237 |
| Loan and lease loss provision to assets | 3.6500% | 8 |
| Net operating income to assets | 3.2268% | 100 |
| Return on assets (ROA) | 3.2454% | 96 |
| Pretax return on assets | 4.2649% | 85 |
| Return on Equity (ROE) | 25.0400% | 212 |
| Retained earnings to average equity (ytd only) | -2.1304% | 4,485 |
| Net charge-offs to loans | 3.0100% | 18 |
| Credit loss provision to net charge-offs | 135.6045% | 1,367 |
| Earnings coverage of net charge-offs (x) | 2.9323% | 2,487 |
| Efficiency ratio | 36.2343% | 4,600 |
| Assets per employee ($millions) | 10.0281% | 667 |
| Cash dividends to net income (ytd only)* | 108.5084% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.3930% | 10 |
| Loan loss allowance to noncurrent loans | 597.9511% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 1.5711% | 192 |
| Noncurrent loans to loans | 1.7381% | 350 |
| Net loans and leases to total assets | 81.0000% | 501 |
| Net loans and leases to deposits | 105.0235% | 264 |
| Net loans and leases to core deposits | 142.4460% | 129 |
| Total domestic deposits to total assets | 77.1200% | 4,159 |
| Equity capital to assets | 11.7840% | 996 |
| Core capital (leverage) ratio | 12.8481% | 987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5764% | 1,458 |
| Memoranda: | ||
| Average total assets | $89,450,400,000 | 39 |
| Average earning assets | $85,235,400,000 | 37 |
| Average equity | $11,594,000,000 | 30 |
| Average total loans | $79,968,000,000 | 24 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.5432% | 11 |
| Cost of funding earning assets | 1.0823% | 44 |
| Net interest margin | 12.4609% | 11 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 4.7534% | 230 |
| Loan and lease loss provision to assets | 3.1900% | 10 |
| Net operating income to assets | 3.5387% | 91 |
| Return on assets (ROA) | 3.5651% | 86 |
| Pretax return on assets | 4.7018% | 76 |
| Return on Equity (ROE) | 26.8400% | 138 |
| Retained earnings to average equity (ytd only) | -2.3336% | 4,507 |
| Net charge-offs to loans | 2.8338% | 19 |
| Credit loss provision to net charge-offs | 126.2936% | 1,191 |
| Earnings coverage of net charge-offs (x) | 3.1113% | 2,217 |
| Efficiency ratio | 36.2092% | 4,643 |
| Assets per employee ($millions) | 9.5663% | 744 |
| Cash dividends to net income (ytd only)* | 108.6957% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.6783% | 9 |
| Loan loss allowance to noncurrent loans | 726.1785% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 1.2948% | 290 |
| Noncurrent loans to loans | 1.4705% | 484 |
| Net loans and leases to total assets | 78.6500% | 645 |
| Net loans and leases to deposits | 101.9727% | 305 |
| Net loans and leases to core deposits | 138.5352% | 103 |
| Total domestic deposits to total assets | 77.1300% | 4,316 |
| Equity capital to assets | 12.4000% | 798 |
| Core capital (leverage) ratio | 13.5847% | 760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9001% | 1,196 |
| Memoranda: | ||
| Average total assets | $87,738,000,000 | 41 |
| Average earning assets | $83,769,500,000 | 39 |
| Average equity | $11,655,500,000 | 32 |
| Average total loans | $78,197,750,000 | 26 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.1811% | 12 |
| Cost of funding earning assets | 0.8317% | 84 |
| Net interest margin | 12.3494% | 12 |
| Noninterest income to average assets | 0.8518% | 937 |
| Noninterest expense to average assets | 4.8240% | 182 |
| Loan and lease loss provision to assets | 2.8032% | 11 |
| Net operating income to assets | 3.7884% | 48 |
| Return on assets (ROA) | 3.8287% | 44 |
| Pretax return on assets | 5.0648% | 39 |
| Return on Equity (ROE) | 28.1572% | 73 |
| Retained earnings to average equity (ytd only) | 2.6216% | 3,570 |
| Net charge-offs to loans | 2.7388% | 22 |
| Credit loss provision to net charge-offs | 114.3532% | 1,202 |
| Earnings coverage of net charge-offs (x) | 3.1889% | 2,007 |
| Efficiency ratio | 36.6233% | 4,675 |
| Assets per employee ($millions) | 9.1364% | 844 |
| Cash dividends to net income (ytd only)* | 90.6892% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.7920% | 11 |
| Loan loss allowance to noncurrent loans | 869.8644% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 1.1021% | 406 |
| Noncurrent loans to loans | 1.2407% | 635 |
| Net loans and leases to total assets | 79.2461% | 458 |
| Net loans and leases to deposits | 101.6900% | 223 |
| Net loans and leases to core deposits | 134.5089% | 96 |
| Total domestic deposits to total assets | 77.9291% | 4,355 |
| Equity capital to assets | 13.5218% | 581 |
| Core capital (leverage) ratio | 14.4131% | 555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9645% | 997 |
| Memoranda: | ||
| Average total assets | $86,400,666,667 | 42 |
| Average earning assets | $82,482,000,000 | 39 |
| Average equity | $11,748,333,333 | 32 |
| Average total loans | $77,333,666,667 | 26 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.1241% | 12 |
| Cost of funding earning assets | 0.7445% | 121 |
| Net interest margin | 12.3796% | 12 |
| Noninterest income to average assets | 0.5622% | 1,859 |
| Noninterest expense to average assets | 4.7344% | 190 |
| Loan and lease loss provision to assets | 2.3277% | 14 |
| Net operating income to assets | 4.0184% | 51 |
| Return on assets (ROA) | 4.0514% | 49 |
| Pretax return on assets | 5.3616% | 41 |
| Return on Equity (ROE) | 29.7117% | 63 |
| Retained earnings to average equity (ytd only) | 5.8606% | 2,291 |
| Net charge-offs to loans | 2.7097% | 24 |
| Credit loss provision to net charge-offs | 95.6107% | 1,058 |
| Earnings coverage of net charge-offs (x) | 3.1412% | 1,679 |
| Efficiency ratio | 36.5854% | 4,695 |
| Assets per employee ($millions) | 9.1174% | 875 |
| Cash dividends to net income (ytd only)* | 80.2752% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.6668% | 11 |
| Loan loss allowance to noncurrent loans | 839.3628% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 1.1309% | 406 |
| Noncurrent loans to loans | 1.2708% | 689 |
| Net loans and leases to total assets | 79.4190% | 266 |
| Net loans and leases to deposits | 103.1628% | 128 |
| Net loans and leases to core deposits | 134.7638% | 75 |
| Total domestic deposits to total assets | 76.9841% | 4,460 |
| Equity capital to assets | 13.7037% | 570 |
| Core capital (leverage) ratio | 14.5686% | 501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0217% | 1,038 |
| Memoranda: | ||
| Average total assets | $86,093,500,000 | 41 |
| Average earning assets | $82,200,000,000 | 40 |
| Average equity | $11,739,500,000 | 33 |
| Average total loans | $77,351,500,000 | 26 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.0992% | 14 |
| Cost of funding earning assets | 0.8802% | 131 |
| Net interest margin | 11.2190% | 14 |
| Noninterest income to average assets | 0.8313% | 1,374 |
| Noninterest expense to average assets | 4.5268% | 213 |
| Loan and lease loss provision to assets | 0.8788% | 45 |
| Net operating income to assets | 4.7143% | 47 |
| Return on assets (ROA) | 4.7631% | 48 |
| Pretax return on assets | 6.2036% | 43 |
| Return on Equity (ROE) | 35.2064% | 39 |
| Retained earnings to average equity (ytd only) | 12.3850% | 489 |
| Net charge-offs to loans | 2.9019% | 12 |
| Credit loss provision to net charge-offs | 34.8728% | 2,216 |
| Earnings coverage of net charge-offs (x) | 2.7861% | 2,572 |
| Efficiency ratio | 37.5257% | 4,732 |
| Assets per employee ($millions) | 9.0852% | 891 |
| Cash dividends to net income (ytd only)* | 64.8217% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.4815% | 11 |
| Loan loss allowance to noncurrent loans | 922.2973% | 918 |
| Noncurrent assets plus other real estate owned to assets | 1.0330% | 522 |
| Noncurrent loans to loans | 1.1365% | 852 |
| Net loans and leases to total assets | 81.2744% | 212 |
| Net loans and leases to deposits | 107.4289% | 99 |
| Net loans and leases to core deposits | 143.6068% | 60 |
| Total domestic deposits to total assets | 75.6542% | 4,527 |
| Equity capital to assets | 13.5678% | 751 |
| Core capital (leverage) ratio | 15.1377% | 450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2565% | 995 |
| Memoranda: | ||
| Average total assets | $84,209,600,000 | 41 |
| Average earning assets | $80,435,000,000 | 40 |
| Average equity | $11,392,800,000 | 31 |
| Average total loans | $73,124,800,000 | 25 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.9875% | 14 |
| Cost of funding earning assets | 0.9315% | 115 |
| Net interest margin | 11.0561% | 15 |
| Noninterest income to average assets | 0.8024% | 1,521 |
| Noninterest expense to average assets | 4.4260% | 219 |
| Loan and lease loss provision to assets | 0.2563% | 355 |
| Net operating income to assets | 5.1283% | 48 |
| Return on assets (ROA) | 5.1711% | 47 |
| Pretax return on assets | 6.7377% | 41 |
| Return on Equity (ROE) | 38.2499% | 43 |
| Retained earnings to average equity (ytd only) | 20.5852% | 113 |
| Net charge-offs to loans | 3.0943% | 12 |
| Credit loss provision to net charge-offs | 9.6523% | 2,024 |
| Earnings coverage of net charge-offs (x) | 2.6133% | 2,341 |
| Efficiency ratio | 37.2181% | 4,788 |
| Assets per employee ($millions) | 9.0614% | 874 |
| Cash dividends to net income (ytd only)* | 46.1823% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.0437% | 8 |
| Loan loss allowance to noncurrent loans | 1,072.4734% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.9135% | 748 |
| Noncurrent loans to loans | 1.0297% | 1,109 |
| Net loans and leases to total assets | 78.9123% | 352 |
| Net loans and leases to deposits | 103.9524% | 156 |
| Net loans and leases to core deposits | 135.8888% | 94 |
| Total domestic deposits to total assets | 75.9120% | 4,545 |
| Equity capital to assets | 14.6047% | 615 |
| Core capital (leverage) ratio | 16.0532% | 386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9449% | 824 |
| Memoranda: | ||
| Average total assets | $83,746,000,000 | 41 |
| Average earning assets | $80,014,500,000 | 39 |
| Average equity | $11,321,750,000 | 30 |
| Average total loans | $71,871,500,000 | 25 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.9417% | 14 |
| Cost of funding earning assets | 0.9790% | 119 |
| Net interest margin | 10.9627% | 14 |
| Noninterest income to average assets | 0.7552% | 1,658 |
| Noninterest expense to average assets | 4.3647% | 230 |
| Loan and lease loss provision to assets | 0.4156% | 145 |
| Net operating income to assets | 4.9528% | 54 |
| Return on assets (ROA) | 4.9940% | 52 |
| Pretax return on assets | 6.5044% | 48 |
| Return on Equity (ROE) | 37.9329% | 53 |
| Retained earnings to average equity (ytd only) | 32.5216% | 27 |
| Net charge-offs to loans | 3.5643% | 11 |
| Credit loss provision to net charge-offs | 13.7363% | 1,758 |
| Earnings coverage of net charge-offs (x) | 2.2700% | 2,133 |
| Efficiency ratio | 37.1036% | 4,813 |
| Assets per employee ($millions) | 9.2993% | 774 |
| Cash dividends to net income (ytd only)* | 14.2653% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.8998% | 8 |
| Loan loss allowance to noncurrent loans | 1,163.8736% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.8886% | 872 |
| Noncurrent loans to loans | 1.0224% | 1,200 |
| Net loans and leases to total assets | 76.5682% | 542 |
| Net loans and leases to deposits | 101.9221% | 220 |
| Net loans and leases to core deposits | 131.9437% | 119 |
| Total domestic deposits to total assets | 75.1242% | 4,610 |
| Equity capital to assets | 14.7436% | 570 |
| Core capital (leverage) ratio | 16.0010% | 373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5680% | 749 |
| Memoranda: | ||
| Average total assets | $84,220,333,333 | 41 |
| Average earning assets | $80,491,333,333 | 37 |
| Average equity | $11,088,000,000 | 31 |
| Average total loans | $71,486,000,000 | 25 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.1445% | 11 |
| Cost of funding earning assets | 1.0394% | 110 |
| Net interest margin | 11.1051% | 13 |
| Noninterest income to average assets | 0.7919% | 1,599 |
| Noninterest expense to average assets | 4.3061% | 233 |
| Loan and lease loss provision to assets | 2.0992% | 10 |
| Net operating income to assets | 3.9243% | 84 |
| Return on assets (ROA) | 3.9687% | 85 |
| Pretax return on assets | 5.0558% | 75 |
| Return on Equity (ROE) | 31.9849% | 110 |
| Retained earnings to average equity (ytd only) | 31.9849% | 67 |
| Net charge-offs to loans | 3.5908% | 13 |
| Credit loss provision to net charge-offs | 69.6734% | 1,249 |
| Earnings coverage of net charge-offs (x) | 2.3561% | 1,810 |
| Efficiency ratio | 36.0723% | 4,845 |
| Assets per employee ($millions) | 9.8298% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.4859% | 5 |
| Loan loss allowance to noncurrent loans | 857.1298% | 772 |
| Noncurrent assets plus other real estate owned to assets | 1.2806% | 553 |
| Noncurrent loans to loans | 1.5734% | 777 |
| Net loans and leases to total assets | 70.4136% | 1,234 |
| Net loans and leases to deposits | 92.1605% | 589 |
| Net loans and leases to core deposits | 120.6381% | 232 |
| Total domestic deposits to total assets | 76.4032% | 4,561 |
| Equity capital to assets | 12.9754% | 921 |
| Core capital (leverage) ratio | 14.5288% | 559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8617% | 808 |
| Memoranda: | ||
| Average total assets | $85,367,000,000 | 39 |
| Average earning assets | $81,584,500,000 | 36 |
| Average equity | $10,592,500,000 | 33 |
| Average total loans | $71,627,500,000 | 25 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.2582% | 10 |
| Cost of funding earning assets | 1.5577% | 61 |
| Net interest margin | 11.7005% | 10 |
| Noninterest income to average assets | 0.9924% | 1,055 |
| Noninterest expense to average assets | 4.5784% | 244 |
| Loan and lease loss provision to assets | 5.5061% | 6 |
| Net operating income to assets | 1.6345% | 595 |
| Return on assets (ROA) | 1.6509% | 616 |
| Pretax return on assets | 2.1581% | 322 |
| Return on Equity (ROE) | 14.1800% | 771 |
| Retained earnings to average equity (ytd only) | 1.0320% | 4,219 |
| Net charge-offs to loans | 4.6054% | 12 |
| Credit loss provision to net charge-offs | 142.2262% | 2,468 |
| Earnings coverage of net charge-offs (x) | 1.9743% | 3,216 |
| Efficiency ratio | 35.7690% | 4,936 |
| Assets per employee ($millions) | 9.5119% | 621 |
| Cash dividends to net income (ytd only)* | 92.7222% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.9824% | 7 |
| Loan loss allowance to noncurrent loans | 894.4860% | 727 |
| Noncurrent assets plus other real estate owned to assets | 1.2544% | 659 |
| Noncurrent loans to loans | 1.4514% | 930 |
| Net loans and leases to total assets | 75.2049% | 879 |
| Net loans and leases to deposits | 97.4229% | 487 |
| Net loans and leases to core deposits | 130.3320% | 200 |
| Total domestic deposits to total assets | 77.1942% | 4,391 |
| Equity capital to assets | 11.8401% | 1,655 |
| Core capital (leverage) ratio | 13.5702% | 764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7956% | 1,091 |
| Memoranda: | ||
| Average total assets | $86,557,800,000 | 36 |
| Average earning assets | $83,073,200,000 | 35 |
| Average equity | $10,077,600,000 | 32 |
| Average total loans | $72,762,600,000 | 24 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.4052% | 10 |
| Cost of funding earning assets | 1.6627% | 53 |
| Net interest margin | 11.7425% | 9 |
| Noninterest income to average assets | 0.9715% | 1,080 |
| Noninterest expense to average assets | 4.5706% | 242 |
| Loan and lease loss provision to assets | 6.2313% | 7 |
| Net operating income to assets | 1.1071% | 1,958 |
| Return on assets (ROA) | 1.1204% | 2,033 |
| Pretax return on assets | 1.4703% | 1,511 |
| Return on Equity (ROE) | 9.6635% | 2,146 |
| Retained earnings to average equity (ytd only) | -3.9051% | 4,814 |
| Net charge-offs to loans | 5.0999% | 12 |
| Credit loss provision to net charge-offs | 146.3590% | 2,345 |
| Earnings coverage of net charge-offs (x) | 1.8050% | 3,044 |
| Efficiency ratio | 35.6418% | 4,954 |
| Assets per employee ($millions) | 9.4800% | 605 |
| Cash dividends to net income (ytd only)* | 140.4110% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.3927% | 5 |
| Loan loss allowance to noncurrent loans | 1,039.8678% | 572 |
| Noncurrent assets plus other real estate owned to assets | 1.0666% | 1,009 |
| Noncurrent loans to loans | 1.2879% | 1,151 |
| Net loans and leases to total assets | 71.7244% | 1,711 |
| Net loans and leases to deposits | 91.8470% | 1,085 |
| Net loans and leases to core deposits | 124.6000% | 330 |
| Total domestic deposits to total assets | 78.0912% | 4,185 |
| Equity capital to assets | 11.3532% | 2,112 |
| Core capital (leverage) ratio | 13.0376% | 941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9316% | 1,067 |
| Memoranda: | ||
| Average total assets | $86,871,500,000 | 34 |
| Average earning assets | $83,478,250,000 | 34 |
| Average equity | $10,072,000,000 | 32 |
| Average total loans | $72,522,500,000 | 24 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.7239% | 10 |
| Cost of funding earning assets | 1.7945% | 47 |
| Net interest margin | 11.9294% | 10 |
| Noninterest income to average assets | 0.9925% | 1,001 |
| Noninterest expense to average assets | 4.4230% | 274 |
| Loan and lease loss provision to assets | 6.8083% | 8 |
| Net operating income to assets | 0.9419% | 2,533 |
| Return on assets (ROA) | 0.9491% | 2,627 |
| Pretax return on assets | 1.2487% | 2,188 |
| Return on Equity (ROE) | 8.1311% | 2,697 |
| Retained earnings to average equity (ytd only) | -10.4823% | 4,925 |
| Net charge-offs to loans | 5.4046% | 14 |
| Credit loss provision to net charge-offs | 150.5056% | 2,120 |
| Earnings coverage of net charge-offs (x) | 1.7791% | 2,829 |
| Efficiency ratio | 33.9813% | 4,994 |
| Assets per employee ($millions) | 9.2297% | 638 |
| Cash dividends to net income (ytd only)* | 228.9157% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.1534% | 7 |
| Loan loss allowance to noncurrent loans | 712.9485% | 735 |
| Noncurrent assets plus other real estate owned to assets | 1.5036% | 619 |
| Noncurrent loans to loans | 1.8449% | 757 |
| Net loans and leases to total assets | 70.7778% | 1,912 |
| Net loans and leases to deposits | 90.2279% | 1,335 |
| Net loans and leases to core deposits | 123.1843% | 359 |
| Total domestic deposits to total assets | 78.4434% | 4,124 |
| Equity capital to assets | 10.8932% | 2,426 |
| Core capital (leverage) ratio | 12.4205% | 1,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3787% | 1,164 |
| Memoranda: | ||
| Average total assets | $87,452,000,000 | 34 |
| Average earning assets | $84,145,333,333 | 34 |
| Average equity | $10,207,666,667 | 31 |
| Average total loans | $73,196,333,333 | 24 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.4359% | 11 |
| Cost of funding earning assets | 1.9685% | 38 |
| Net interest margin | 12.4673% | 11 |
| Noninterest income to average assets | 1.0029% | 855 |
| Noninterest expense to average assets | 4.3729% | 341 |
| Loan and lease loss provision to assets | 6.6677% | 10 |
| Net operating income to assets | 1.5043% | 774 |
| Return on assets (ROA) | 1.5043% | 847 |
| Pretax return on assets | 1.9786% | 470 |
| Return on Equity (ROE) | 12.4865% | 993 |
| Retained earnings to average equity (ytd only) | -11.8866% | 4,825 |
| Net charge-offs to loans | 5.4363% | 20 |
| Credit loss provision to net charge-offs | 144.7059% | 1,602 |
| Earnings coverage of net charge-offs (x) | 1.8765% | 2,334 |
| Efficiency ratio | 32.1999% | 5,055 |
| Assets per employee ($millions) | 9.1669% | 504 |
| Cash dividends to net income (ytd only)* | 195.1952% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.7642% | 8 |
| Loan loss allowance to noncurrent loans | 535.2428% | 917 |
| Noncurrent assets plus other real estate owned to assets | 1.8727% | 470 |
| Noncurrent loans to loans | 2.1979% | 611 |
| Net loans and leases to total assets | 75.1337% | 1,436 |
| Net loans and leases to deposits | 96.0878% | 901 |
| Net loans and leases to core deposits | 132.7643% | 237 |
| Total domestic deposits to total assets | 78.1928% | 4,186 |
| Equity capital to assets | 10.9823% | 2,870 |
| Core capital (leverage) ratio | 12.1988% | 1,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4416% | 1,495 |
| Memoranda: | ||
| Average total assets | $88,546,000,000 | 34 |
| Average earning assets | $85,343,000,000 | 33 |
| Average equity | $10,667,500,000 | 30 |
| Average total loans | $75,050,500,000 | 24 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.0035% | 11 |
| Cost of funding earning assets | 2.1208% | 33 |
| Net interest margin | 12.8828% | 12 |
| Noninterest income to average assets | 0.9209% | 1,143 |
| Noninterest expense to average assets | 4.4838% | 312 |
| Loan and lease loss provision to assets | 4.2682% | 11 |
| Net operating income to assets | 3.5096% | 58 |
| Return on assets (ROA) | 3.5139% | 62 |
| Pretax return on assets | 4.5926% | 57 |
| Return on Equity (ROE) | 26.4503% | 58 |
| Retained earnings to average equity (ytd only) | -5.5064% | 4,993 |
| Net charge-offs to loans | 5.7891% | 12 |
| Credit loss provision to net charge-offs | 86.2706% | 2,705 |
| Earnings coverage of net charge-offs (x) | 1.7899% | 3,493 |
| Efficiency ratio | 32.2915% | 5,126 |
| Assets per employee ($millions) | 9.3163% | 449 |
| Cash dividends to net income (ytd only)* | 120.8178% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6570% | 16 |
| Loan loss allowance to noncurrent loans | 296.2449% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 1.8963% | 436 |
| Noncurrent loans to loans | 2.2471% | 543 |
| Net loans and leases to total assets | 78.7721% | 967 |
| Net loans and leases to deposits | 104.8194% | 346 |
| Net loans and leases to core deposits | 144.0962% | 155 |
| Total domestic deposits to total assets | 75.1504% | 4,690 |
| Equity capital to assets | 13.0487% | 1,487 |
| Core capital (leverage) ratio | 11.8842% | 1,853 |
| Tier 1 risk-based capital ratio | 14.3178% | 3,107 |
| Total risk-based capital ratio | 15.6357% | 2,986 |
| Memoranda: | ||
| Average total assets | $91,865,000,000 | 30 |
| Average earning assets | $88,552,400,000 | 30 |
| Average equity | $12,204,000,000 | 28 |
| Average total loans | $78,509,200,000 | 23 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.3075% | 8 |
| Cost of funding earning assets | 2.1436% | 34 |
| Net interest margin | 13.1639% | 9 |
| Noninterest income to average assets | 0.8202% | 1,358 |
| Noninterest expense to average assets | 4.4327% | 321 |
| Loan and lease loss provision to assets | 4.2211% | 11 |
| Net operating income to assets | 3.6885% | 56 |
| Return on assets (ROA) | 3.6908% | 59 |
| Pretax return on assets | 4.8500% | 51 |
| Return on Equity (ROE) | 27.6602% | 56 |
| Retained earnings to average equity (ytd only) | -0.0326% | 4,760 |
| Net charge-offs to loans | 5.9736% | 8 |
| Credit loss provision to net charge-offs | 82.4278% | 2,473 |
| Earnings coverage of net charge-offs (x) | 1.7708% | 3,257 |
| Efficiency ratio | 31.5230% | 5,205 |
| Assets per employee ($millions) | 9.3957% | 418 |
| Cash dividends to net income (ytd only)* | 100.1178% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4472% | 19 |
| Loan loss allowance to noncurrent loans | 284.2659% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 1.9633% | 454 |
| Noncurrent loans to loans | 2.2680% | 543 |
| Net loans and leases to total assets | 80.9837% | 711 |
| Net loans and leases to deposits | 109.0869% | 241 |
| Net loans and leases to core deposits | 154.0916% | 108 |
| Total domestic deposits to total assets | 74.2378% | 4,802 |
| Equity capital to assets | 13.5800% | 1,326 |
| Core capital (leverage) ratio | 12.7310% | 1,470 |
| Tier 1 risk-based capital ratio | 14.5793% | 3,034 |
| Total risk-based capital ratio | 15.8948% | 2,937 |
| Memoranda: | ||
| Average total assets | $92,011,000,000 | 31 |
| Average earning assets | $88,634,250,000 | 31 |
| Average equity | $12,277,250,000 | 29 |
| Average total loans | $78,878,500,000 | 23 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.1843% | 7 |
| Cost of funding earning assets | 2.1385% | 32 |
| Net interest margin | 13.0458% | 8 |
| Noninterest income to average assets | 0.7888% | 1,385 |
| Noninterest expense to average assets | 4.5526% | 292 |
| Loan and lease loss provision to assets | 4.1354% | 12 |
| Net operating income to assets | 3.5208% | 65 |
| Return on assets (ROA) | 3.5225% | 69 |
| Pretax return on assets | 4.6569% | 50 |
| Return on Equity (ROE) | 26.5564% | 70 |
| Retained earnings to average equity (ytd only) | -4.5708% | 5,044 |
| Net charge-offs to loans | 6.1646% | 7 |
| Credit loss provision to net charge-offs | 78.5066% | 2,237 |
| Earnings coverage of net charge-offs (x) | 1.6687% | 3,003 |
| Efficiency ratio | 32.8013% | 5,246 |
| Assets per employee ($millions) | 9.2398% | 424 |
| Cash dividends to net income (ytd only)* | 117.2116% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7300% | 14 |
| Loan loss allowance to noncurrent loans | 316.2636% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 1.7973% | 565 |
| Noncurrent loans to loans | 2.1280% | 644 |
| Net loans and leases to total assets | 78.7760% | 1,076 |
| Net loans and leases to deposits | 105.7394% | 353 |
| Net loans and leases to core deposits | 150.2290% | 133 |
| Total domestic deposits to total assets | 74.5002% | 4,802 |
| Equity capital to assets | 13.1634% | 1,509 |
| Core capital (leverage) ratio | 12.3090% | 1,630 |
| Tier 1 risk-based capital ratio | 14.4708% | 3,080 |
| Total risk-based capital ratio | 15.7896% | 2,972 |
| Memoranda: | ||
| Average total assets | $92,035,666,670 | 31 |
| Average earning assets | $88,565,000,000 | 31 |
| Average equity | $12,208,000,000 | 29 |
| Average total loans | $78,643,000,000 | 22 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.1266% | 7 |
| Cost of funding earning assets | 2.0984% | 33 |
| Net interest margin | 13.0282% | 8 |
| Noninterest income to average assets | 0.7040% | 1,599 |
| Noninterest expense to average assets | 4.4111% | 327 |
| Loan and lease loss provision to assets | 3.8027% | 14 |
| Net operating income to assets | 3.8114% | 58 |
| Return on assets (ROA) | 3.8114% | 61 |
| Pretax return on assets | 5.0370% | 51 |
| Return on Equity (ROE) | 28.6251% | 56 |
| Retained earnings to average equity (ytd only) | -0.7507% | 4,620 |
| Net charge-offs to loans | 6.1339% | 10 |
| Credit loss provision to net charge-offs | 72.1352% | 1,835 |
| Earnings coverage of net charge-offs (x) | 1.6768% | 2,572 |
| Efficiency ratio | 31.9777% | 5,304 |
| Assets per employee ($millions) | 9.4688% | 405 |
| Cash dividends to net income (ytd only)* | 102.6226% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0075% | 13 |
| Loan loss allowance to noncurrent loans | 285.3980% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 2.0554% | 462 |
| Noncurrent loans to loans | 2.4553% | 541 |
| Net loans and leases to total assets | 77.8464% | 1,186 |
| Net loans and leases to deposits | 105.7725% | 326 |
| Net loans and leases to core deposits | 148.3502% | 134 |
| Total domestic deposits to total assets | 73.5979% | 4,961 |
| Equity capital to assets | 13.3229% | 1,283 |
| Core capital (leverage) ratio | 12.4828% | 1,529 |
| Tier 1 risk-based capital ratio | 14.7876% | 2,970 |
| Total risk-based capital ratio | 16.1101% | 2,867 |
| Memoranda: | ||
| Average total assets | $92,039,500,000 | 32 |
| Average earning assets | $88,638,500,000 | 32 |
| Average equity | $12,255,000,000 | 30 |
| Average total loans | $79,101,000,000 | 23 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.6284% | 6 |
| Cost of funding earning assets | 1.8049% | 28 |
| Net interest margin | 13.8235% | 7 |
| Noninterest income to average assets | 0.9359% | 1,090 |
| Noninterest expense to average assets | 4.7440% | 248 |
| Loan and lease loss provision to assets | 5.8715% | 5 |
| Net operating income to assets | 2.7870% | 103 |
| Return on assets (ROA) | 2.7758% | 105 |
| Pretax return on assets | 3.6329% | 61 |
| Return on Equity (ROE) | 20.8607% | 207 |
| Retained earnings to average equity (ytd only) | 12.4669% | 280 |
| Net charge-offs to loans | 5.8005% | 11 |
| Credit loss provision to net charge-offs | 120.9201% | 2,152 |
| Earnings coverage of net charge-offs (x) | 1.9603% | 3,573 |
| Efficiency ratio | 32.0336% | 5,358 |
| Assets per employee ($millions) | 9.3948% | 410 |
| Cash dividends to net income (ytd only)* | 40.2372% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1063% | 13 |
| Loan loss allowance to noncurrent loans | 289.6274% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 2.1637% | 415 |
| Noncurrent loans to loans | 2.4536% | 502 |
| Net loans and leases to total assets | 81.9179% | 664 |
| Net loans and leases to deposits | 112.6560% | 190 |
| Net loans and leases to core deposits | 165.9128% | 73 |
| Total domestic deposits to total assets | 72.7151% | 5,027 |
| Equity capital to assets | 13.3069% | 1,218 |
| Core capital (leverage) ratio | 12.4100% | 1,509 |
| Tier 1 risk-based capital ratio | 14.1242% | 3,233 |
| Total risk-based capital ratio | 15.4488% | 3,132 |
| Memoranda: | ||
| Average total assets | $85,055,134,000 | 34 |
| Average earning assets | $81,998,160,000 | 32 |
| Average equity | $11,317,940,000 | 31 |
| Average total loans | $71,201,027,200 | 24 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.4504% | 7 |
| Cost of funding earning assets | 1.7103% | 29 |
| Net interest margin | 13.7401% | 8 |
| Noninterest income to average assets | 0.8268% | 1,386 |
| Noninterest expense to average assets | 4.7353% | 243 |
| Loan and lease loss provision to assets | 5.9939% | 8 |
| Net operating income to assets | 2.5465% | 147 |
| Return on assets (ROA) | 2.5364% | 147 |
| Pretax return on assets | 3.3184% | 85 |
| Return on Equity (ROE) | 19.0610% | 335 |
| Retained earnings to average equity (ytd only) | 10.6482% | 735 |
| Net charge-offs to loans | 5.8380% | 12 |
| Credit loss provision to net charge-offs | 124.4769% | 1,943 |
| Earnings coverage of net charge-offs (x) | 1.9366% | 3,299 |
| Efficiency ratio | 32.4500% | 5,420 |
| Assets per employee ($millions) | 9.1662% | 426 |
| Cash dividends to net income (ytd only)* | 44.1362% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4559% | 13 |
| Loan loss allowance to noncurrent loans | 338.4477% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 1.8427% | 617 |
| Noncurrent loans to loans | 2.2030% | 639 |
| Net loans and leases to total assets | 77.4089% | 1,433 |
| Net loans and leases to deposits | 108.8727% | 322 |
| Net loans and leases to core deposits | 160.0913% | 91 |
| Total domestic deposits to total assets | 71.1004% | 5,176 |
| Equity capital to assets | 12.8344% | 1,404 |
| Core capital (leverage) ratio | 12.5174% | 1,491 |
| Tier 1 risk-based capital ratio | 14.3586% | 3,189 |
| Total risk-based capital ratio | 15.6866% | 3,073 |
| Memoranda: | ||
| Average total assets | $83,372,167,500 | 34 |
| Average earning assets | $80,297,950,000 | 32 |
| Average equity | $11,093,925,000 | 32 |
| Average total loans | $68,765,784,000 | 24 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.3465% | 7 |
| Cost of funding earning assets | 1.6338% | 28 |
| Net interest margin | 13.7127% | 9 |
| Noninterest income to average assets | 0.8048% | 1,462 |
| Noninterest expense to average assets | 4.7460% | 247 |
| Loan and lease loss provision to assets | 5.9256% | 8 |
| Net operating income to assets | 2.5729% | 136 |
| Return on assets (ROA) | 2.5580% | 138 |
| Pretax return on assets | 3.3356% | 82 |
| Return on Equity (ROE) | 18.9744% | 335 |
| Retained earnings to average equity (ytd only) | 10.7427% | 722 |
| Net charge-offs to loans | 6.1783% | 12 |
| Credit loss provision to net charge-offs | 116.8947% | 1,823 |
| Earnings coverage of net charge-offs (x) | 1.8307% | 3,025 |
| Efficiency ratio | 32.6363% | 5,478 |
| Assets per employee ($millions) | 8.5643% | 511 |
| Cash dividends to net income (ytd only)* | 43.3835% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8800% | 11 |
| Loan loss allowance to noncurrent loans | 377.6579% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 1.6411% | 767 |
| Noncurrent loans to loans | 2.0866% | 695 |
| Net loans and leases to total assets | 72.4411% | 2,205 |
| Net loans and leases to deposits | 99.2198% | 861 |
| Net loans and leases to core deposits | 143.1204% | 169 |
| Total domestic deposits to total assets | 73.0107% | 5,117 |
| Equity capital to assets | 13.3225% | 1,175 |
| Core capital (leverage) ratio | 13.0521% | 1,201 |
| Tier 1 risk-based capital ratio | 16.2193% | 2,360 |
| Total risk-based capital ratio | 17.5536% | 2,270 |
| Memoranda: | ||
| Average total assets | $81,097,890,000 | 35 |
| Average earning assets | $78,191,266,670 | 34 |
| Average equity | $10,933,233,330 | 32 |
| Average total loans | $66,539,712,000 | 24 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.6061% | 6 |
| Cost of funding earning assets | 1.5569% | 33 |
| Net interest margin | 14.0492% | 7 |
| Noninterest income to average assets | 0.8635% | 1,255 |
| Noninterest expense to average assets | 4.8679% | 234 |
| Loan and lease loss provision to assets | 6.2401% | 9 |
| Net operating income to assets | 2.4992% | 142 |
| Return on assets (ROA) | 2.4787% | 154 |
| Pretax return on assets | 3.2748% | 91 |
| Return on Equity (ROE) | 18.2710% | 385 |
| Retained earnings to average equity (ytd only) | 10.8443% | 932 |
| Net charge-offs to loans | 6.2823% | 12 |
| Credit loss provision to net charge-offs | 118.4395% | 1,390 |
| Earnings coverage of net charge-offs (x) | 1.8109% | 2,517 |
| Efficiency ratio | 32.5934% | 5,548 |
| Assets per employee ($millions) | 7.8194% | 671 |
| Cash dividends to net income (ytd only)* | 40.6474% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8046% | 12 |
| Loan loss allowance to noncurrent loans | 322.6319% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 1.9775% | 582 |
| Noncurrent loans to loans | 2.4190% | 571 |
| Net loans and leases to total assets | 75.3659% | 1,644 |
| Net loans and leases to deposits | 103.5578% | 505 |
| Net loans and leases to core deposits | 147.7866% | 143 |
| Total domestic deposits to total assets | 72.7766% | 5,230 |
| Equity capital to assets | 13.7332% | 972 |
| Core capital (leverage) ratio | 13.0533% | 1,168 |
| Tier 1 risk-based capital ratio | 16.0371% | 2,451 |
| Total risk-based capital ratio | 17.3703% | 2,370 |
| Memoranda: | ||
| Average total assets | $79,403,291,000 | 34 |
| Average earning assets | $76,555,139,000 | 34 |
| Average equity | $10,771,944,500 | 31 |
| Average total loans | $66,590,170,000 | 23 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.7931% | 6 |
| Cost of funding earning assets | 1.3574% | 38 |
| Net interest margin | 14.4357% | 6 |
| Noninterest income to average assets | 0.9551% | 1,124 |
| Noninterest expense to average assets | 4.8778% | 235 |
| Loan and lease loss provision to assets | 6.3026% | 6 |
| Net operating income to assets | 2.1002% | 233 |
| Return on assets (ROA) | 2.0996% | 240 |
| Pretax return on assets | 3.6187% | 73 |
| Return on Equity (ROE) | 15.4446% | 551 |
| Retained earnings to average equity (ytd only) | 5.1683% | 2,021 |
| Net charge-offs to loans | 5.4935% | 13 |
| Credit loss provision to net charge-offs | 136.5938% | 1,936 |
| Earnings coverage of net charge-offs (x) | 2.1504% | 3,796 |
| Efficiency ratio | 31.6794% | 5,621 |
| Assets per employee ($millions) | 7.7288% | 696 |
| Cash dividends to net income (ytd only)* | 66.5367% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1802% | 13 |
| Loan loss allowance to noncurrent loans | 296.0718% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 2.0871% | 519 |
| Noncurrent loans to loans | 2.4252% | 572 |
| Net loans and leases to total assets | 79.8188% | 985 |
| Net loans and leases to deposits | 109.3088% | 289 |
| Net loans and leases to core deposits | 163.0331% | 78 |
| Total domestic deposits to total assets | 73.0214% | 5,257 |
| Equity capital to assets | 13.3981% | 1,099 |
| Core capital (leverage) ratio | 12.9177% | 1,172 |
| Tier 1 risk-based capital ratio | 14.9178% | 2,885 |
| Total risk-based capital ratio | 16.2428% | 2,784 |
| Memoranda: | ||
| Average total assets | $74,445,508,800 | 35 |
| Average earning assets | $71,398,704,600 | 34 |
| Average equity | $10,120,347,200 | 32 |
| Average total loans | $62,528,446,000 | 24 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.7920% | 6 |
| Cost of funding earning assets | 1.3301% | 40 |
| Net interest margin | 14.4620% | 7 |
| Noninterest income to average assets | 0.8067% | 1,561 |
| Noninterest expense to average assets | 4.9119% | 231 |
| Loan and lease loss provision to assets | 6.2902% | 7 |
| Net operating income to assets | 2.1748% | 225 |
| Return on assets (ROA) | 2.1739% | 230 |
| Pretax return on assets | 3.4578% | 88 |
| Return on Equity (ROE) | 15.9290% | 535 |
| Retained earnings to average equity (ytd only) | 2.0610% | 4,615 |
| Net charge-offs to loans | 5.3411% | 13 |
| Credit loss provision to net charge-offs | 141.1228% | 1,766 |
| Earnings coverage of net charge-offs (x) | 2.1873% | 3,495 |
| Efficiency ratio | 32.1870% | 5,682 |
| Assets per employee ($millions) | 7.3991% | 795 |
| Cash dividends to net income (ytd only)* | 87.0616% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3187% | 11 |
| Loan loss allowance to noncurrent loans | 309.4811% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 1.9810% | 657 |
| Noncurrent loans to loans | 2.3648% | 664 |
| Net loans and leases to total assets | 77.5559% | 1,339 |
| Net loans and leases to deposits | 103.6416% | 518 |
| Net loans and leases to core deposits | 152.4150% | 108 |
| Total domestic deposits to total assets | 74.8309% | 5,142 |
| Equity capital to assets | 13.4578% | 1,180 |
| Core capital (leverage) ratio | 13.0275% | 1,198 |
| Tier 1 risk-based capital ratio | 15.3611% | 2,767 |
| Total risk-based capital ratio | 16.6879% | 2,677 |
| Memoranda: | ||
| Average total assets | $73,265,275,250 | 35 |
| Average earning assets | $70,187,646,250 | 34 |
| Average equity | $9,998,740,750 | 32 |
| Average total loans | $61,141,089,750 | 24 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.6568% | 7 |
| Cost of funding earning assets | 1.2895% | 40 |
| Net interest margin | 14.3673% | 7 |
| Noninterest income to average assets | 0.7013% | 1,984 |
| Noninterest expense to average assets | 4.8755% | 236 |
| Loan and lease loss provision to assets | 6.3395% | 8 |
| Net operating income to assets | 2.0364% | 287 |
| Return on assets (ROA) | 2.0351% | 294 |
| Pretax return on assets | 3.2374% | 103 |
| Return on Equity (ROE) | 14.8403% | 687 |
| Retained earnings to average equity (ytd only) | 1.0495% | 4,819 |
| Net charge-offs to loans | 5.4468% | 19 |
| Credit loss provision to net charge-offs | 139.6025% | 1,604 |
| Earnings coverage of net charge-offs (x) | 2.1094% | 3,203 |
| Efficiency ratio | 32.3457% | 5,731 |
| Assets per employee ($millions) | 7.4435% | 760 |
| Cash dividends to net income (ytd only)* | 92.9282% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9633% | 13 |
| Loan loss allowance to noncurrent loans | 348.8485% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 1.6664% | 887 |
| Noncurrent loans to loans | 1.9961% | 843 |
| Net loans and leases to total assets | 77.6704% | 1,292 |
| Net loans and leases to deposits | 101.8023% | 620 |
| Net loans and leases to core deposits | 147.8150% | 140 |
| Total domestic deposits to total assets | 76.2953% | 5,057 |
| Equity capital to assets | 13.6409% | 1,090 |
| Core capital (leverage) ratio | 13.1144% | 1,130 |
| Tier 1 risk-based capital ratio | 15.4807% | 2,713 |
| Total risk-based capital ratio | 16.8024% | 2,617 |
| Memoranda: | ||
| Average total assets | $72,441,289,670 | 36 |
| Average earning assets | $69,344,902,330 | 35 |
| Average equity | $9,934,144,330 | 32 |
| Average total loans | $60,395,773,670 | 24 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.5221% | 7 |
| Cost of funding earning assets | 1.2561% | 45 |
| Net interest margin | 14.2660% | 7 |
| Noninterest income to average assets | 0.4746% | 3,153 |
| Noninterest expense to average assets | 4.9096% | 244 |
| Loan and lease loss provision to assets | 6.2879% | 7 |
| Net operating income to assets | 1.8431% | 416 |
| Return on assets (ROA) | 1.8431% | 429 |
| Pretax return on assets | 2.9385% | 143 |
| Return on Equity (ROE) | 13.4036% | 922 |
| Retained earnings to average equity (ytd only) | -0.9737% | 5,061 |
| Net charge-offs to loans | 5.3731% | 18 |
| Credit loss provision to net charge-offs | 140.4622% | 1,259 |
| Earnings coverage of net charge-offs (x) | 2.0610% | 2,645 |
| Efficiency ratio | 33.1509% | 5,781 |
| Assets per employee ($millions) | 7.5173% | 750 |
| Cash dividends to net income (ytd only)* | 107.2644% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7085% | 22 |
| Loan loss allowance to noncurrent loans | 309.8475% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 1.7768% | 811 |
| Noncurrent loans to loans | 2.1651% | 788 |
| Net loans and leases to total assets | 76.5590% | 1,320 |
| Net loans and leases to deposits | 100.3528% | 595 |
| Net loans and leases to core deposits | 145.8901% | 124 |
| Total domestic deposits to total assets | 76.2898% | 5,201 |
| Equity capital to assets | 13.8499% | 953 |
| Core capital (leverage) ratio | 13.1245% | 1,092 |
| Tier 1 risk-based capital ratio | 15.9494% | 2,571 |
| Total risk-based capital ratio | 17.2680% | 2,496 |
| Memoranda: | ||
| Average total assets | $71,827,690,000 | 36 |
| Average earning assets | $68,784,017,500 | 35 |
| Average equity | $9,876,692,500 | 32 |
| Average total loans | $59,843,088,500 | 25 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.7262% | 10 |
| Cost of funding earning assets | 1.2560% | 42 |
| Net interest margin | 13.4702% | 11 |
| Noninterest income to average assets | 1.3113% | 664 |
| Noninterest expense to average assets | 5.0039% | 259 |
| Loan and lease loss provision to assets | 5.0145% | 9 |
| Net operating income to assets | 2.6665% | 112 |
| Return on assets (ROA) | 2.6665% | 113 |
| Pretax return on assets | 4.2013% | 55 |
| Return on Equity (ROE) | 19.6784% | 223 |
| Retained earnings to average equity (ytd only) | 16.1092% | 86 |
| Net charge-offs to loans | 4.5242% | 15 |
| Credit loss provision to net charge-offs | 136.3812% | 1,991 |
| Earnings coverage of net charge-offs (x) | 2.5064% | 3,818 |
| Efficiency ratio | 33.8485% | 5,851 |
| Assets per employee ($millions) | 7.5370% | 718 |
| Cash dividends to net income (ytd only)* | 18.1374% | 3,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9800% | 23 |
| Loan loss allowance to noncurrent loans | 280.9132% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 1.8002% | 821 |
| Noncurrent loans to loans | 2.1288% | 818 |
| Net loans and leases to total assets | 79.5095% | 963 |
| Net loans and leases to deposits | 104.2681% | 422 |
| Net loans and leases to core deposits | 158.9407% | 85 |
| Total domestic deposits to total assets | 76.2549% | 5,219 |
| Equity capital to assets | 13.6511% | 994 |
| Core capital (leverage) ratio | 13.2279% | 1,048 |
| Tier 1 risk-based capital ratio | 15.4401% | 2,767 |
| Total risk-based capital ratio | 16.7490% | 2,682 |
| Memoranda: | ||
| Average total assets | $66,166,277,200 | 35 |
| Average earning assets | $63,406,677,000 | 35 |
| Average equity | $8,965,729,200 | 31 |
| Average total loans | $53,774,011,800 | 26 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.6579% | 9 |
| Cost of funding earning assets | 1.2574% | 42 |
| Net interest margin | 13.4005% | 10 |
| Noninterest income to average assets | 1.2476% | 744 |
| Noninterest expense to average assets | 4.9788% | 272 |
| Loan and lease loss provision to assets | 5.0105% | 6 |
| Net operating income to assets | 2.5968% | 143 |
| Return on assets (ROA) | 2.5968% | 146 |
| Pretax return on assets | 4.1080% | 67 |
| Return on Equity (ROE) | 19.2040% | 281 |
| Retained earnings to average equity (ytd only) | 15.5499% | 117 |
| Net charge-offs to loans | 4.4840% | 17 |
| Credit loss provision to net charge-offs | 139.0549% | 1,878 |
| Earnings coverage of net charge-offs (x) | 2.5306% | 3,552 |
| Efficiency ratio | 33.8990% | 5,909 |
| Assets per employee ($millions) | 7.4754% | 726 |
| Cash dividends to net income (ytd only)* | 19.0277% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1859% | 25 |
| Loan loss allowance to noncurrent loans | 311.5128% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 1.5833% | 1,103 |
| Noncurrent loans to loans | 1.9858% | 996 |
| Net loans and leases to total assets | 74.7995% | 1,740 |
| Net loans and leases to deposits | 97.3531% | 916 |
| Net loans and leases to core deposits | 147.9881% | 134 |
| Total domestic deposits to total assets | 76.8333% | 5,118 |
| Equity capital to assets | 13.4632% | 1,263 |
| Core capital (leverage) ratio | 13.2928% | 1,072 |
| Tier 1 risk-based capital ratio | 16.0384% | 2,603 |
| Total risk-based capital ratio | 17.3501% | 2,535 |
| Memoranda: | ||
| Average total assets | $64,760,290,000 | 35 |
| Average earning assets | $62,098,598,000 | 35 |
| Average equity | $8,757,122,500 | 32 |
| Average total loans | $52,039,876,750 | 28 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.5333% | 9 |
| Cost of funding earning assets | 1.2571% | 41 |
| Net interest margin | 13.2762% | 10 |
| Noninterest income to average assets | 1.1835% | 804 |
| Noninterest expense to average assets | 5.0087% | 264 |
| Loan and lease loss provision to assets | 5.0406% | 6 |
| Net operating income to assets | 2.4181% | 168 |
| Return on assets (ROA) | 2.4181% | 172 |
| Pretax return on assets | 3.8592% | 76 |
| Return on Equity (ROE) | 17.8536% | 369 |
| Retained earnings to average equity (ytd only) | 14.1136% | 179 |
| Net charge-offs to loans | 4.5230% | 25 |
| Credit loss provision to net charge-offs | 138.2884% | 1,694 |
| Earnings coverage of net charge-offs (x) | 2.4417% | 3,272 |
| Efficiency ratio | 34.4894% | 5,983 |
| Assets per employee ($millions) | 6.9945% | 874 |
| Cash dividends to net income (ytd only)* | 20.9480% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0782% | 25 |
| Loan loss allowance to noncurrent loans | 349.3509% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 1.4115% | 1,385 |
| Noncurrent loans to loans | 1.7398% | 1,208 |
| Net loans and leases to total assets | 76.1956% | 1,465 |
| Net loans and leases to deposits | 99.4077% | 744 |
| Net loans and leases to core deposits | 150.4272% | 123 |
| Total domestic deposits to total assets | 76.6496% | 5,198 |
| Equity capital to assets | 13.7607% | 1,114 |
| Core capital (leverage) ratio | 13.5653% | 960 |
| Tier 1 risk-based capital ratio | 16.1297% | 2,578 |
| Total risk-based capital ratio | 17.4404% | 2,500 |
| Memoranda: | ||
| Average total assets | $63,173,251,670 | 36 |
| Average earning assets | $60,550,451,670 | 35 |
| Average equity | $8,556,234,330 | 32 |
| Average total loans | $50,909,645,330 | 28 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.5077% | 9 |
| Cost of funding earning assets | 1.2562% | 41 |
| Net interest margin | 13.2515% | 10 |
| Noninterest income to average assets | 1.2522% | 697 |
| Noninterest expense to average assets | 4.8818% | 289 |
| Loan and lease loss provision to assets | 4.7274% | 8 |
| Net operating income to assets | 2.7163% | 117 |
| Return on assets (ROA) | 2.7163% | 117 |
| Pretax return on assets | 4.3348% | 65 |
| Return on Equity (ROE) | 20.2223% | 231 |
| Retained earnings to average equity (ytd only) | 16.4076% | 175 |
| Net charge-offs to loans | 4.6405% | 17 |
| Credit loss provision to net charge-offs | 126.8522% | 1,383 |
| Earnings coverage of net charge-offs (x) | 2.4317% | 2,681 |
| Efficiency ratio | 33.5062% | 6,051 |
| Assets per employee ($millions) | 7.0507% | 874 |
| Cash dividends to net income (ytd only)* | 18.8638% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8481% | 34 |
| Loan loss allowance to noncurrent loans | 306.3710% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 1.5264% | 1,325 |
| Noncurrent loans to loans | 1.9088% | 1,145 |
| Net loans and leases to total assets | 75.2897% | 1,506 |
| Net loans and leases to deposits | 97.6727% | 785 |
| Net loans and leases to core deposits | 150.5113% | 104 |
| Total domestic deposits to total assets | 77.0837% | 5,277 |
| Equity capital to assets | 13.8458% | 1,038 |
| Core capital (leverage) ratio | 13.0116% | 1,154 |
| Tier 1 risk-based capital ratio | 16.3720% | 2,530 |
| Total risk-based capital ratio | 17.6795% | 2,458 |
| Memoranda: | ||
| Average total assets | $62,452,164,500 | 36 |
| Average earning assets | $59,814,702,500 | 35 |
| Average equity | $8,388,590,000 | 32 |
| Average total loans | $50,154,328,500 | 28 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.3818% | 10 |
| Cost of funding earning assets | 1.2591% | 42 |
| Net interest margin | 13.1227% | 10 |
| Noninterest income to average assets | 1.8397% | 403 |
| Noninterest expense to average assets | 5.6878% | 195 |
| Loan and lease loss provision to assets | 4.1948% | 7 |
| Net operating income to assets | 2.7998% | 101 |
| Return on assets (ROA) | 2.7998% | 100 |
| Pretax return on assets | 4.4405% | 61 |
| Return on Equity (ROE) | 20.0664% | 250 |
| Retained earnings to average equity (ytd only) | 10.8022% | 363 |
| Net charge-offs to loans | 4.0784% | 15 |
| Credit loss provision to net charge-offs | 126.3520% | 2,060 |
| Earnings coverage of net charge-offs (x) | 2.6011% | 3,867 |
| Efficiency ratio | 38.1288% | 6,089 |
| Assets per employee ($millions) | 7.5090% | 694 |
| Cash dividends to net income (ytd only)* | 46.1677% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4157% | 41 |
| Loan loss allowance to noncurrent loans | 281.2991% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 1.5526% | 1,280 |
| Noncurrent loans to loans | 1.9253% | 1,107 |
| Net loans and leases to total assets | 76.2785% | 1,369 |
| Net loans and leases to deposits | 99.5448% | 708 |
| Net loans and leases to core deposits | 156.9908% | 85 |
| Total domestic deposits to total assets | 76.6273% | 5,376 |
| Equity capital to assets | 13.0235% | 1,338 |
| Core capital (leverage) ratio | 13.0166% | 1,144 |
| Tier 1 risk-based capital ratio | 15.2868% | 3,042 |
| Total risk-based capital ratio | 16.5881% | 2,962 |
| Memoranda: | ||
| Average total assets | $54,774,033,200 | 37 |
| Average earning assets | $52,105,783,800 | 37 |
| Average equity | $7,642,329,200 | 33 |
| Average total loans | $44,587,949,600 | 30 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.4867% | 9 |
| Cost of funding earning assets | 1.2686% | 44 |
| Net interest margin | 13.2181% | 9 |
| Noninterest income to average assets | 1.8960% | 388 |
| Noninterest expense to average assets | 5.7734% | 193 |
| Loan and lease loss provision to assets | 4.0773% | 7 |
| Net operating income to assets | 2.8947% | 96 |
| Return on assets (ROA) | 2.8947% | 96 |
| Pretax return on assets | 4.6042% | 60 |
| Return on Equity (ROE) | 20.3434% | 257 |
| Retained earnings to average equity (ytd only) | 7.7676% | 1,347 |
| Net charge-offs to loans | 4.0734% | 17 |
| Credit loss provision to net charge-offs | 122.6245% | 1,949 |
| Earnings coverage of net charge-offs (x) | 2.6109% | 3,640 |
| Efficiency ratio | 38.3594% | 6,158 |
| Assets per employee ($millions) | 6.8917% | 913 |
| Cash dividends to net income (ytd only)* | 61.8174% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5627% | 47 |
| Loan loss allowance to noncurrent loans | 307.8732% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 1.4571% | 1,545 |
| Noncurrent loans to loans | 1.8068% | 1,311 |
| Net loans and leases to total assets | 76.1574% | 1,366 |
| Net loans and leases to deposits | 100.5114% | 632 |
| Net loans and leases to core deposits | 164.3976% | 70 |
| Total domestic deposits to total assets | 75.7699% | 5,528 |
| Equity capital to assets | 13.5682% | 1,199 |
| Core capital (leverage) ratio | 13.2765% | 1,102 |
| Tier 1 risk-based capital ratio | 15.8752% | 2,853 |
| Total risk-based capital ratio | 17.1784% | 2,776 |
| Memoranda: | ||
| Average total assets | $52,752,995,250 | 37 |
| Average earning assets | $50,122,085,500 | 36 |
| Average equity | $7,506,320,000 | 33 |
| Average total loans | $43,061,771,500 | 30 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.5865% | 10 |
| Cost of funding earning assets | 1.2516% | 47 |
| Net interest margin | 13.3349% | 9 |
| Noninterest income to average assets | 1.8049% | 427 |
| Noninterest expense to average assets | 5.7805% | 194 |
| Loan and lease loss provision to assets | 4.1163% | 9 |
| Net operating income to assets | 2.8790% | 102 |
| Return on assets (ROA) | 2.8790% | 105 |
| Pretax return on assets | 4.5699% | 66 |
| Return on Equity (ROE) | 19.8799% | 275 |
| Retained earnings to average equity (ytd only) | 6.8673% | 1,759 |
| Net charge-offs to loans | 4.1450% | 20 |
| Credit loss provision to net charge-offs | 121.0546% | 1,795 |
| Earnings coverage of net charge-offs (x) | 2.5545% | 3,322 |
| Efficiency ratio | 38.3793% | 6,234 |
| Assets per employee ($millions) | 6.8173% | 911 |
| Cash dividends to net income (ytd only)* | 65.4562% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6173% | 49 |
| Loan loss allowance to noncurrent loans | 362.8007% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 1.2532% | 2,004 |
| Noncurrent loans to loans | 1.5483% | 1,710 |
| Net loans and leases to total assets | 76.3965% | 1,315 |
| Net loans and leases to deposits | 101.5544% | 567 |
| Net loans and leases to core deposits | 175.4100% | 60 |
| Total domestic deposits to total assets | 75.2271% | 5,681 |
| Equity capital to assets | 13.9709% | 988 |
| Core capital (leverage) ratio | 13.9702% | 848 |
| Tier 1 risk-based capital ratio | 16.3554% | 2,684 |
| Total risk-based capital ratio | 17.6593% | 2,613 |
| Memoranda: | ||
| Average total assets | $51,260,524,000 | 37 |
| Average earning assets | $48,673,385,330 | 36 |
| Average equity | $7,423,568,330 | 33 |
| Average total loans | $42,052,412,670 | 30 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.5305% | 8 |
| Cost of funding earning assets | 1.2369% | 53 |
| Net interest margin | 13.2936% | 9 |
| Noninterest income to average assets | 1.5745% | 494 |
| Noninterest expense to average assets | 5.6785% | 210 |
| Loan and lease loss provision to assets | 4.3990% | 7 |
| Net operating income to assets | 2.5895% | 133 |
| Return on assets (ROA) | 2.5895% | 143 |
| Pretax return on assets | 4.1100% | 86 |
| Return on Equity (ROE) | 17.5465% | 430 |
| Retained earnings to average equity (ytd only) | 17.5465% | 160 |
| Net charge-offs to loans | 3.9358% | 30 |
| Credit loss provision to net charge-offs | 135.2688% | 1,340 |
| Earnings coverage of net charge-offs (x) | 2.6165% | 2,727 |
| Efficiency ratio | 38.5671% | 6,293 |
| Assets per employee ($millions) | 6.5490% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9372% | 41 |
| Loan loss allowance to noncurrent loans | 328.0418% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 1.4599% | 1,806 |
| Noncurrent loans to loans | 1.8099% | 1,498 |
| Net loans and leases to total assets | 75.8740% | 1,225 |
| Net loans and leases to deposits | 102.6517% | 430 |
| Net loans and leases to core deposits | 189.8681% | 52 |
| Total domestic deposits to total assets | 73.9140% | 5,911 |
| Equity capital to assets | 15.0303% | 709 |
| Core capital (leverage) ratio | 14.3924% | 719 |
| Tier 1 risk-based capital ratio | 17.6439% | 2,252 |
| Total risk-based capital ratio | 18.9519% | 2,202 |
| Memoranda: | ||
| Average total assets | $49,952,339,000 | 37 |
| Average earning assets | $47,394,713,000 | 37 |
| Average equity | $7,371,808,000 | 34 |
| Average total loans | $41,273,763,500 | 30 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.3407% | 7 |
| Cost of funding earning assets | 1.1706% | 94 |
| Net interest margin | 14.1702% | 9 |
| Noninterest income to average assets | 3.4189% | 167 |
| Noninterest expense to average assets | 5.2099% | 275 |
| Loan and lease loss provision to assets | 4.8570% | 7 |
| Net operating income to assets | 4.1560% | 55 |
| Return on assets (ROA) | 4.1560% | 55 |
| Pretax return on assets | 6.6566% | 39 |
| Return on Equity (ROE) | 27.8445% | 73 |
| Retained earnings to average equity (ytd only) | 14.1704% | 169 |
| Net charge-offs to loans | 4.2364% | 14 |
| Credit loss provision to net charge-offs | 133.8296% | 1,772 |
| Earnings coverage of net charge-offs (x) | 3.1725% | 3,956 |
| Efficiency ratio | 29.7671% | 6,465 |
| Assets per employee ($millions) | 6.4501% | 1,080 |
| Cash dividends to net income (ytd only)* | 49.1086% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4000% | 57 |
| Loan loss allowance to noncurrent loans | 297.3242% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 1.5368% | 1,771 |
| Noncurrent loans to loans | 1.8162% | 1,581 |
| Net loans and leases to total assets | 80.0483% | 737 |
| Net loans and leases to deposits | 108.2179% | 289 |
| Net loans and leases to core deposits | 218.3269% | 41 |
| Total domestic deposits to total assets | 73.9695% | 5,951 |
| Equity capital to assets | 14.4811% | 818 |
| Core capital (leverage) ratio | 13.3934% | 1,004 |
| Tier 1 risk-based capital ratio | 15.7963% | 3,064 |
| Total risk-based capital ratio | 17.0984% | 2,985 |
| Memoranda: | ||
| Average total assets | $43,361,813,000 | 41 |
| Average earning assets | $40,713,209,600 | 39 |
| Average equity | $6,472,130,400 | 35 |
| Average total loans | $37,147,430,600 | 29 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.4869% | 8 |
| Cost of funding earning assets | 1.2428% | 71 |
| Net interest margin | 14.2441% | 9 |
| Noninterest income to average assets | 3.4141% | 167 |
| Noninterest expense to average assets | 5.2019% | 268 |
| Loan and lease loss provision to assets | 4.9088% | 7 |
| Net operating income to assets | 4.1544% | 59 |
| Return on assets (ROA) | 4.1544% | 60 |
| Pretax return on assets | 6.6328% | 44 |
| Return on Equity (ROE) | 27.5899% | 74 |
| Retained earnings to average equity (ytd only) | 8.8444% | 1,047 |
| Net charge-offs to loans | 4.2631% | 15 |
| Credit loss provision to net charge-offs | 133.9225% | 1,738 |
| Earnings coverage of net charge-offs (x) | 3.1488% | 3,724 |
| Efficiency ratio | 29.6333% | 6,547 |
| Assets per employee ($millions) | 6.3435% | 1,117 |
| Cash dividends to net income (ytd only)* | 67.9433% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5035% | 59 |
| Loan loss allowance to noncurrent loans | 304.7021% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 1.5119% | 2,036 |
| Noncurrent loans to loans | 1.8062% | 1,787 |
| Net loans and leases to total assets | 79.1001% | 822 |
| Net loans and leases to deposits | 109.3702% | 234 |
| Net loans and leases to core deposits | 229.9759% | 37 |
| Total domestic deposits to total assets | 72.3233% | 6,154 |
| Equity capital to assets | 14.3087% | 908 |
| Core capital (leverage) ratio | 13.2376% | 1,087 |
| Tier 1 risk-based capital ratio | 15.6963% | 3,214 |
| Total risk-based capital ratio | 16.9993% | 3,125 |
| Memoranda: | ||
| Average total assets | $41,803,530,500 | 42 |
| Average earning assets | $39,119,281,250 | 41 |
| Average equity | $6,294,684,250 | 37 |
| Average total loans | $35,942,764,500 | 31 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.6743% | 9 |
| Cost of funding earning assets | 1.2359% | 76 |
| Net interest margin | 14.4385% | 9 |
| Noninterest income to average assets | 3.5000% | 161 |
| Noninterest expense to average assets | 5.2107% | 273 |
| Loan and lease loss provision to assets | 5.2278% | 4 |
| Net operating income to assets | 4.1241% | 58 |
| Return on assets (ROA) | 4.1241% | 59 |
| Pretax return on assets | 6.5873% | 43 |
| Return on Equity (ROE) | 26.8792% | 84 |
| Retained earnings to average equity (ytd only) | 12.3496% | 390 |
| Net charge-offs to loans | 4.5007% | 16 |
| Credit loss provision to net charge-offs | 133.7509% | 1,581 |
| Earnings coverage of net charge-offs (x) | 3.0228% | 3,412 |
| Efficiency ratio | 29.1709% | 6,611 |
| Assets per employee ($millions) | 6.1837% | 1,182 |
| Cash dividends to net income (ytd only)* | 54.0552% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5306% | 65 |
| Loan loss allowance to noncurrent loans | 358.2468% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 1.2827% | 2,553 |
| Noncurrent loans to loans | 1.5438% | 2,247 |
| Net loans and leases to total assets | 78.4900% | 847 |
| Net loans and leases to deposits | 109.8075% | 211 |
| Net loans and leases to core deposits | 252.3685% | 36 |
| Total domestic deposits to total assets | 71.4796% | 6,285 |
| Equity capital to assets | 14.9813% | 702 |
| Core capital (leverage) ratio | 13.7987% | 885 |
| Tier 1 risk-based capital ratio | 16.4710% | 2,843 |
| Total risk-based capital ratio | 17.7744% | 2,783 |
| Memoranda: | ||
| Average total assets | $40,372,011,000 | 42 |
| Average earning assets | $37,820,160,330 | 42 |
| Average equity | $6,194,238,670 | 37 |
| Average total loans | $35,061,251,670 | 32 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.9990% | 7 |
| Cost of funding earning assets | 1.1299% | 137 |
| Net interest margin | 14.8691% | 7 |
| Noninterest income to average assets | 3.7964% | 148 |
| Noninterest expense to average assets | 4.7000% | 386 |
| Loan and lease loss provision to assets | 5.8548% | 7 |
| Net operating income to assets | 4.5029% | 53 |
| Return on assets (ROA) | 4.5029% | 54 |
| Pretax return on assets | 7.2048% | 40 |
| Return on Equity (ROE) | 28.9657% | 77 |
| Retained earnings to average equity (ytd only) | -0.8805% | 5,708 |
| Net charge-offs to loans | 4.4190% | 30 |
| Credit loss provision to net charge-offs | 148.9411% | 1,270 |
| Earnings coverage of net charge-offs (x) | 3.3223% | 2,702 |
| Efficiency ratio | 25.0615% | 6,697 |
| Assets per employee ($millions) | 5.7791% | 1,474 |
| Cash dividends to net income (ytd only)* | 103.0397% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6584% | 68 |
| Loan loss allowance to noncurrent loans | 315.2860% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 1.5310% | 2,309 |
| Noncurrent loans to loans | 1.7947% | 2,150 |
| Net loans and leases to total assets | 80.4812% | 497 |
| Net loans and leases to deposits | 114.3139% | 102 |
| Net loans and leases to core deposits | 286.0075% | 30 |
| Total domestic deposits to total assets | 70.4037% | 6,437 |
| Equity capital to assets | 15.2743% | 631 |
| Core capital (leverage) ratio | 14.0020% | 820 |
| Tier 1 risk-based capital ratio | 16.3254% | 2,994 |
| Total risk-based capital ratio | 17.6305% | 2,929 |
| Memoranda: | ||
| Average total assets | $38,794,658,500 | 43 |
| Average earning assets | $36,430,793,000 | 43 |
| Average equity | $6,030,934,000 | 37 |
| Average total loans | $34,509,773,500 | 32 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.4323% | 8 |
| Cost of funding earning assets | 1.2639% | 130 |
| Net interest margin | 15.1684% | 8 |
| Noninterest income to average assets | 4.8433% | 141 |
| Noninterest expense to average assets | 5.9965% | 200 |
| Loan and lease loss provision to assets | 5.7738% | 4 |
| Net operating income to assets | 4.5088% | 56 |
| Return on assets (ROA) | 4.5087% | 55 |
| Pretax return on assets | 7.2494% | 38 |
| Return on Equity (ROE) | 25.9793% | 111 |
| Retained earnings to average equity (ytd only) | 2.2815% | 4,623 |
| Net charge-offs to loans | 4.3125% | 31 |
| Credit loss provision to net charge-offs | 149.4720% | 1,553 |
| Earnings coverage of net charge-offs (x) | 3.3715% | 3,872 |
| Efficiency ratio | 30.3238% | 6,761 |
| Assets per employee ($millions) | 5.8505% | 1,371 |
| Cash dividends to net income (ytd only)* | 91.2179% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9423% | 96 |
| Loan loss allowance to noncurrent loans | 279.1374% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 1.6429% | 2,251 |
| Noncurrent loans to loans | 1.7705% | 2,274 |
| Net loans and leases to total assets | 88.2063% | 80 |
| Net loans and leases to deposits | 126.4624% | 45 |
| Net loans and leases to core deposits | 346.7105% | 26 |
| Total domestic deposits to total assets | 69.7490% | 6,530 |
| Equity capital to assets | 15.8315% | 554 |
| Core capital (leverage) ratio | 14.8716% | 618 |
| Tier 1 risk-based capital ratio | 15.9764% | 3,101 |
| Total risk-based capital ratio | 17.2725% | 3,042 |
| Memoranda: | ||
| Average total assets | $34,040,735,000 | 46 |
| Average earning assets | $31,814,591,400 | 45 |
| Average equity | $5,907,736,400 | 37 |
| Average total loans | $30,490,644,200 | 32 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.4333% | 8 |
| Cost of funding earning assets | 1.3038% | 117 |
| Net interest margin | 15.1295% | 8 |
| Noninterest income to average assets | 4.3386% | 160 |
| Noninterest expense to average assets | 5.5199% | 251 |
| Loan and lease loss provision to assets | 6.0021% | 3 |
| Net operating income to assets | 4.3646% | 51 |
| Return on assets (ROA) | 4.3646% | 51 |
| Pretax return on assets | 6.9134% | 38 |
| Return on Equity (ROE) | 24.5343% | 131 |
| Retained earnings to average equity (ytd only) | 4.1556% | 3,729 |
| Net charge-offs to loans | 4.2855% | 35 |
| Credit loss provision to net charge-offs | 157.9854% | 1,496 |
| Earnings coverage of net charge-offs (x) | 3.3996% | 3,713 |
| Efficiency ratio | 28.6734% | 6,845 |
| Assets per employee ($millions) | 5.4737% | 1,654 |
| Cash dividends to net income (ytd only)* | 83.0622% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1692% | 103 |
| Loan loss allowance to noncurrent loans | 297.5286% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 1.5726% | 2,576 |
| Noncurrent loans to loans | 1.7374% | 2,586 |
| Net loans and leases to total assets | 85.8384% | 157 |
| Net loans and leases to deposits | 133.1417% | 31 |
| Net loans and leases to core deposits | 366.7760% | 26 |
| Total domestic deposits to total assets | 64.4714% | 6,736 |
| Equity capital to assets | 16.9759% | 423 |
| Core capital (leverage) ratio | 15.9475% | 498 |
| Tier 1 risk-based capital ratio | 17.2667% | 2,599 |
| Total risk-based capital ratio | 18.5647% | 2,547 |
| Memoranda: | ||
| Average total assets | $33,099,402,000 | 47 |
| Average earning assets | $30,839,882,750 | 46 |
| Average equity | $5,888,353,000 | 37 |
| Average total loans | $29,343,022,500 | 34 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.7008% | 7 |
| Cost of funding earning assets | 1.3192% | 129 |
| Net interest margin | 15.3816% | 8 |
| Noninterest income to average assets | 3.4130% | 213 |
| Noninterest expense to average assets | 5.5222% | 259 |
| Loan and lease loss provision to assets | 6.2292% | 3 |
| Net operating income to assets | 3.8055% | 70 |
| Return on assets (ROA) | 3.8055% | 74 |
| Pretax return on assets | 6.0196% | 47 |
| Return on Equity (ROE) | 21.0472% | 246 |
| Retained earnings to average equity (ytd only) | 21.0472% | 75 |
| Net charge-offs to loans | 4.5185% | 40 |
| Credit loss provision to net charge-offs | 156.6849% | 1,476 |
| Earnings coverage of net charge-offs (x) | 3.0810% | 3,500 |
| Efficiency ratio | 29.7632% | 6,882 |
| Assets per employee ($millions) | 5.5843% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8827% | 126 |
| Loan loss allowance to noncurrent loans | 320.4592% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 1.3511% | 3,074 |
| Noncurrent loans to loans | 1.5237% | 3,017 |
| Net loans and leases to total assets | 84.3428% | 218 |
| Net loans and leases to deposits | 132.4300% | 34 |
| Net loans and leases to core deposits | 395.7256% | 24 |
| Total domestic deposits to total assets | 63.6886% | 6,803 |
| Equity capital to assets | 18.7834% | 266 |
| Core capital (leverage) ratio | 17.5926% | 315 |
| Tier 1 risk-based capital ratio | 19.4096% | 1,880 |
| Total risk-based capital ratio | 20.7042% | 1,846 |
| Memoranda: | ||
| Average total assets | $32,519,152,670 | 47 |
| Average earning assets | $30,354,777,000 | 46 |
| Average equity | $5,879,659,670 | 37 |
| Average total loans | $28,611,902,000 | 35 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.0183% | 6 |
| Cost of funding earning assets | 1.3486% | 127 |
| Net interest margin | 15.6698% | 8 |
| Noninterest income to average assets | 2.1319% | 398 |
| Noninterest expense to average assets | 5.7287% | 233 |
| Loan and lease loss provision to assets | 7.9366% | 5 |
| Net operating income to assets | 1.9759% | 354 |
| Return on assets (ROA) | 1.9759% | 384 |
| Pretax return on assets | 3.1270% | 144 |
| Return on Equity (ROE) | 11.1551% | 1,658 |
| Retained earnings to average equity (ytd only) | 11.1551% | 839 |
| Net charge-offs to loans | 4.4953% | 55 |
| Credit loss provision to net charge-offs | 201.4869% | 1,076 |
| Earnings coverage of net charge-offs (x) | 2.8087% | 2,933 |
| Efficiency ratio | 32.7306% | 6,943 |
| Assets per employee ($millions) | 5.8067% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0529% | 130 |
| Loan loss allowance to noncurrent loans | 285.4021% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 1.4551% | 3,075 |
| Noncurrent loans to loans | 1.7704% | 2,910 |
| Net loans and leases to total assets | 78.0349% | 607 |
| Net loans and leases to deposits | 117.0180% | 83 |
| Net loans and leases to core deposits | 395.3372% | 26 |
| Total domestic deposits to total assets | 66.6862% | 6,835 |
| Equity capital to assets | 17.0717% | 420 |
| Core capital (leverage) ratio | 15.8219% | 476 |
| Tier 1 risk-based capital ratio | 14.2681% | 4,311 |
| Total risk-based capital ratio | 15.5499% | 4,255 |
| Memoranda: | ||
| Average total assets | $32,037,001,000 | 48 |
| Average earning assets | $29,973,367,500 | 46 |
| Average equity | $5,674,819,500 | 38 |
| Average total loans | $28,072,557,500 | 36 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.2228% | 7 |
| Cost of funding earning assets | 1.3566% | 299 |
| Net interest margin | 15.8661% | 8 |
| Noninterest income to average assets | 6.0133% | 116 |
| Noninterest expense to average assets | 5.3928% | 286 |
| Loan and lease loss provision to assets | 4.9792% | 10 |
| Net operating income to assets | 6.6047% | 34 |
| Return on assets (ROA) | 6.6047% | 34 |
| Pretax return on assets | 10.4715% | 30 |
| Return on Equity (ROE) | 37.4940% | 29 |
| Retained earnings to average equity (ytd only) | 21.8584% | 49 |
| Net charge-offs to loans | 4.5823% | 43 |
| Credit loss provision to net charge-offs | 116.3591% | 2,478 |
| Earnings coverage of net charge-offs (x) | 3.6107% | 3,661 |
| Efficiency ratio | 24.8024% | 7,036 |
| Assets per employee ($millions) | 5.2668% | 1,937 |
| Cash dividends to net income (ytd only)* | 41.7016% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9192% | 303 |
| Loan loss allowance to noncurrent loans | 208.2570% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 1.7632% | 2,760 |
| Noncurrent loans to loans | 1.8819% | 2,825 |
| Net loans and leases to total assets | 90.0226% | 44 |
| Net loans and leases to deposits | 143.8722% | 29 |
| Net loans and leases to core deposits | 2,931.4000% | 14 |
| Total domestic deposits to total assets | 62.5712% | 6,947 |
| Equity capital to assets | 18.4295% | 297 |
| Core capital (leverage) ratio | 17.2087% | 335 |
| Tier 1 risk-based capital ratio | 13.7842% | 4,544 |
| Total risk-based capital ratio | 15.0559% | 4,481 |
| Memoranda: | ||
| Average total assets | $27,048,766,000 | 50 |
| Average earning assets | $25,282,706,200 | 47 |
| Average equity | $4,764,768,600 | 41 |
| Average total loans | $25,259,514,800 | 36 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.6377% | 7 |
| Cost of funding earning assets | 1.5885% | 135 |
| Net interest margin | 16.0492% | 7 |
| Noninterest income to average assets | 5.6011% | 132 |
| Noninterest expense to average assets | 5.1799% | 330 |
| Loan and lease loss provision to assets | 4.7692% | 10 |
| Net operating income to assets | 6.7123% | 32 |
| Return on assets (ROA) | 6.7123% | 32 |
| Pretax return on assets | 10.6222% | 28 |
| Return on Equity (ROE) | 38.6191% | 31 |
| Retained earnings to average equity (ytd only) | 16.8403% | 157 |
| Net charge-offs to loans | 4.7860% | 47 |
| Credit loss provision to net charge-offs | 106.8106% | 2,749 |
| Earnings coverage of net charge-offs (x) | 3.4470% | 3,644 |
| Efficiency ratio | 24.1247% | 7,142 |
| Assets per employee ($millions) | 5.1693% | 1,968 |
| Cash dividends to net income (ytd only)* | 56.3939% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8510% | 347 |
| Loan loss allowance to noncurrent loans | 212.8395% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 1.6816% | 3,064 |
| Noncurrent loans to loans | 1.8093% | 3,064 |
| Net loans and leases to total assets | 89.3606% | 63 |
| Net loans and leases to deposits | 138.9972% | 30 |
| Net loans and leases to core deposits | 2,971.7349% | 13 |
| Total domestic deposits to total assets | 64.2895% | 7,011 |
| Equity capital to assets | 18.1131% | 352 |
| Core capital (leverage) ratio | 16.8545% | 381 |
| Tier 1 risk-based capital ratio | 13.5346% | 4,865 |
| Total risk-based capital ratio | 14.8056% | 4,806 |
| Memoranda: | ||
| Average total assets | $26,241,228,500 | 52 |
| Average earning assets | $24,477,010,750 | 48 |
| Average equity | $4,560,895,750 | 44 |
| Average total loans | $24,481,966,000 | 37 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.8026% | 7 |
| Cost of funding earning assets | 1.5931% | 157 |
| Net interest margin | 16.2095% | 7 |
| Noninterest income to average assets | 4.4414% | 156 |
| Noninterest expense to average assets | 4.9798% | 382 |
| Loan and lease loss provision to assets | 3.7121% | 34 |
| Net operating income to assets | 6.8782% | 31 |
| Return on assets (ROA) | 6.8782% | 31 |
| Pretax return on assets | 10.8802% | 27 |
| Return on Equity (ROE) | 40.1922% | 39 |
| Retained earnings to average equity (ytd only) | 6.2241% | 2,553 |
| Net charge-offs to loans | 4.6197% | 84 |
| Credit loss provision to net charge-offs | 86.0086% | 3,159 |
| Earnings coverage of net charge-offs (x) | 3.3810% | 3,392 |
| Efficiency ratio | 24.3277% | 7,197 |
| Assets per employee ($millions) | 5.0927% | 2,041 |
| Cash dividends to net income (ytd only)* | 84.5142% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5353% | 483 |
| Loan loss allowance to noncurrent loans | 239.1094% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 1.3923% | 3,641 |
| Noncurrent loans to loans | 1.4785% | 3,696 |
| Net loans and leases to total assets | 90.8397% | 34 |
| Net loans and leases to deposits | 134.3028% | 36 |
| Net loans and leases to core deposits | 3,191.0884% | 15 |
| Total domestic deposits to total assets | 67.6380% | 7,009 |
| Equity capital to assets | 17.2101% | 423 |
| Core capital (leverage) ratio | 15.8269% | 480 |
| Tier 1 risk-based capital ratio | 12.9243% | 5,236 |
| Total risk-based capital ratio | 14.1926% | 5,201 |
| Memoranda: | ||
| Average total assets | $25,631,948,670 | 52 |
| Average earning assets | $23,926,065,000 | 49 |
| Average equity | $4,386,469,000 | 44 |
| Average total loans | $23,946,853,330 | 37 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.8006% | 6 |
| Cost of funding earning assets | 1.5505% | 231 |
| Net interest margin | 16.2501% | 6 |
| Noninterest income to average assets | 4.2195% | 156 |
| Noninterest expense to average assets | 4.7668% | 436 |
| Loan and lease loss provision to assets | 3.8621% | 35 |
| Net operating income to assets | 6.7198% | 34 |
| Return on assets (ROA) | 6.7198% | 36 |
| Pretax return on assets | 10.7049% | 30 |
| Return on Equity (ROE) | 39.3859% | 51 |
| Retained earnings to average equity (ytd only) | -30.4282% | 7,131 |
| Net charge-offs to loans | 4.9861% | 94 |
| Credit loss provision to net charge-offs | 83.2648% | 2,676 |
| Earnings coverage of net charge-offs (x) | 3.1405% | 2,949 |
| Efficiency ratio | 23.5144% | 7,262 |
| Assets per employee ($millions) | 7.0242% | 751 |
| Cash dividends to net income (ytd only)* | 177.2565% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0164% | 364 |
| Loan loss allowance to noncurrent loans | 231.6859% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 1.6091% | 3,433 |
| Noncurrent loans to loans | 1.7335% | 3,510 |
| Net loans and leases to total assets | 89.0877% | 56 |
| Net loans and leases to deposits | 138.5973% | 29 |
| Net loans and leases to core deposits | 3,759.8580% | 12 |
| Total domestic deposits to total assets | 64.2781% | 7,140 |
| Equity capital to assets | 16.5309% | 495 |
| Core capital (leverage) ratio | 15.0562% | 592 |
| Tier 1 risk-based capital ratio | 12.4250% | 5,662 |
| Total risk-based capital ratio | 13.6976% | 5,611 |
| Memoranda: | ||
| Average total assets | $25,018,439,500 | 55 |
| Average earning assets | $23,269,900,000 | 52 |
| Average equity | $4,268,477,000 | 44 |
| Average total loans | $23,273,887,000 | 37 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.0799% | 6 |
| Cost of funding earning assets | 1.9318% | 128 |
| Net interest margin | 17.1481% | 6 |
| Noninterest income to average assets | 3.9250% | 159 |
| Noninterest expense to average assets | 7.4796% | 122 |
| Loan and lease loss provision to assets | 4.4318% | 39 |
| Net operating income to assets | 4.9079% | 41 |
| Return on assets (ROA) | 5.3888% | 41 |
| Pretax return on assets | 8.2866% | 35 |
| Return on Equity (ROE) | 27.9853% | 57 |
| Retained earnings to average equity (ytd only) | -31.0919% | 7,098 |
| Net charge-offs to loans | 4.5016% | 105 |
| Credit loss provision to net charge-offs | 104.4156% | 3,288 |
| Earnings coverage of net charge-offs (x) | 2.8832% | 3,765 |
| Efficiency ratio | 36.6315% | 7,247 |
| Assets per employee ($millions) | 7.3481% | 617 |
| Cash dividends to net income (ytd only)* | 211.1009% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1794% | 329 |
| Loan loss allowance to noncurrent loans | 223.3237% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 1.7334% | 3,351 |
| Noncurrent loans to loans | 1.8714% | 3,383 |
| Net loans and leases to total assets | 89.3403% | 51 |
| Net loans and leases to deposits | 125.2813% | 68 |
| Net loans and leases to core deposits | 6,296.0354% | 14 |
| Total domestic deposits to total assets | 71.3117% | 6,909 |
| Equity capital to assets | 17.5882% | 374 |
| Core capital (leverage) ratio | 16.0389% | 458 |
| Tier 1 risk-based capital ratio | 13.2639% | 4,865 |
| Total risk-based capital ratio | 14.5390% | 4,829 |
| Memoranda: | ||
| Average total assets | $22,635,797,200 | 56 |
| Average earning assets | $20,845,932,600 | 55 |
| Average equity | $4,358,710,000 | 43 |
| Average total loans | $21,342,308,600 | 37 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.1381% | 7 |
| Cost of funding earning assets | 1.8724% | 196 |
| Net interest margin | 17.2657% | 8 |
| Noninterest income to average assets | 3.7792% | 163 |
| Noninterest expense to average assets | 7.2810% | 131 |
| Loan and lease loss provision to assets | 4.1066% | 57 |
| Net operating income to assets | 5.1406% | 40 |
| Return on assets (ROA) | 5.8202% | 37 |
| Pretax return on assets | 8.8795% | 34 |
| Return on Equity (ROE) | 29.4978% | 63 |
| Retained earnings to average equity (ytd only) | -49.5240% | 7,283 |
| Net charge-offs to loans | 4.5348% | 121 |
| Credit loss provision to net charge-offs | 95.7434% | 3,577 |
| Earnings coverage of net charge-offs (x) | 2.8692% | 3,708 |
| Efficiency ratio | 35.8049% | 7,317 |
| Assets per employee ($millions) | 6.7958% | 816 |
| Cash dividends to net income (ytd only)* | 267.8907% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3005% | 311 |
| Loan loss allowance to noncurrent loans | 240.1449% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 1.6722% | 3,579 |
| Noncurrent loans to loans | 1.7908% | 3,647 |
| Net loans and leases to total assets | 89.7807% | 45 |
| Net loans and leases to deposits | 128.5702% | 54 |
| Net loans and leases to core deposits | 3,858.8907% | 15 |
| Total domestic deposits to total assets | 69.8301% | 7,048 |
| Equity capital to assets | 17.9169% | 398 |
| Core capital (leverage) ratio | 16.2017% | 477 |
| Tier 1 risk-based capital ratio | 13.1846% | 4,957 |
| Total risk-based capital ratio | 14.4606% | 4,920 |
| Memoranda: | ||
| Average total assets | $22,019,502,250 | 56 |
| Average earning assets | $20,160,782,250 | 56 |
| Average equity | $4,344,684,250 | 43 |
| Average total loans | $20,827,037,500 | 36 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.2218% | 7 |
| Cost of funding earning assets | 1.9395% | 178 |
| Net interest margin | 17.2823% | 8 |
| Noninterest income to average assets | 3.6343% | 186 |
| Noninterest expense to average assets | 7.2775% | 132 |
| Loan and lease loss provision to assets | 3.4774% | 110 |
| Net operating income to assets | 5.4321% | 43 |
| Return on assets (ROA) | 6.4670% | 36 |
| Pretax return on assets | 9.7209% | 34 |
| Return on Equity (ROE) | 31.7386% | 59 |
| Retained earnings to average equity (ytd only) | -84.9412% | 7,420 |
| Net charge-offs to loans | 4.9211% | 134 |
| Credit loss provision to net charge-offs | 74.4948% | 3,932 |
| Earnings coverage of net charge-offs (x) | 2.6057% | 3,523 |
| Efficiency ratio | 35.9990% | 7,387 |
| Assets per employee ($millions) | 6.5941% | 885 |
| Cash dividends to net income (ytd only)* | 367.6271% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1148% | 383 |
| Loan loss allowance to noncurrent loans | 244.0633% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 1.5534% | 3,863 |
| Noncurrent loans to loans | 1.6860% | 3,900 |
| Net loans and leases to total assets | 88.9140% | 62 |
| Net loans and leases to deposits | 126.9811% | 65 |
| Net loans and leases to core deposits | 8,840.3945% | 14 |
| Total domestic deposits to total assets | 70.0214% | 7,109 |
| Equity capital to assets | 17.6237% | 414 |
| Core capital (leverage) ratio | 15.7623% | 531 |
| Tier 1 risk-based capital ratio | 13.1152% | 4,827 |
| Total risk-based capital ratio | 14.3898% | 4,790 |
| Memoranda: | ||
| Average total assets | $21,661,985,000 | 58 |
| Average earning assets | $19,812,406,670 | 58 |
| Average equity | $4,413,787,670 | 43 |
| Average total loans | $20,548,099,000 | 39 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.9289% | 6 |
| Cost of funding earning assets | 2.1089% | 119 |
| Net interest margin | 17.8200% | 7 |
| Noninterest income to average assets | 4.7163% | 142 |
| Noninterest expense to average assets | 7.5051% | 123 |
| Loan and lease loss provision to assets | 4.1525% | 98 |
| Net operating income to assets | 5.9274% | 44 |
| Return on assets (ROA) | 7.9452% | 32 |
| Pretax return on assets | 11.4207% | 30 |
| Return on Equity (ROE) | 36.4942% | 52 |
| Retained earnings to average equity (ytd only) | -170.1576% | 7,526 |
| Net charge-offs to loans | 5.0026% | 149 |
| Credit loss provision to net charge-offs | 86.5208% | 3,005 |
| Earnings coverage of net charge-offs (x) | 2.8244% | 2,953 |
| Efficiency ratio | 34.1997% | 7,465 |
| Assets per employee ($millions) | 6.0165% | 1,183 |
| Cash dividends to net income (ytd only)* | 566.2593% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8813% | 217 |
| Loan loss allowance to noncurrent loans | 238.5920% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 1.9093% | 3,429 |
| Noncurrent loans to loans | 2.0459% | 3,514 |
| Net loans and leases to total assets | 89.9395% | 44 |
| Net loans and leases to deposits | 134.1100% | 48 |
| Net loans and leases to core deposits | 7,862.5365% | 16 |
| Total domestic deposits to total assets | 67.0640% | 7,298 |
| Equity capital to assets | 18.1592% | 360 |
| Core capital (leverage) ratio | 16.1574% | 474 |
| Tier 1 risk-based capital ratio | 12.9962% | 4,825 |
| Total risk-based capital ratio | 14.2777% | 4,791 |
| Memoranda: | ||
| Average total assets | $21,560,004,500 | 57 |
| Average earning assets | $19,774,201,500 | 57 |
| Average equity | $4,693,885,500 | 41 |
| Average total loans | $20,684,045,000 | 40 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.9400% | 9 |
| Cost of funding earning assets | 1.9174% | 792 |
| Net interest margin | 16.0226% | 8 |
| Noninterest income to average assets | 5.4825% | 126 |
| Noninterest expense to average assets | 6.8903% | 163 |
| Loan and lease loss provision to assets | 6.2779% | 35 |
| Net operating income to assets | 4.2394% | 42 |
| Return on assets (ROA) | 4.4558% | 38 |
| Pretax return on assets | 6.9464% | 33 |
| Return on Equity (ROE) | 17.0457% | 472 |
| Retained earnings to average equity (ytd only) | 12.0628% | 271 |
| Net charge-offs to loans | 6.7167% | 68 |
| Credit loss provision to net charge-offs | 98.6145% | 4,692 |
| Earnings coverage of net charge-offs (x) | 2.0433% | 4,201 |
| Efficiency ratio | 33.6617% | 7,561 |
| Assets per employee ($millions) | 6.4202% | 976 |
| Cash dividends to net income (ytd only)* | 29.2327% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0891% | 182 |
| Loan loss allowance to noncurrent loans | 251.5488% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 1.8822% | 3,512 |
| Noncurrent loans to loans | 2.0231% | 3,530 |
| Net loans and leases to total assets | 92.2381% | 26 |
| Net loans and leases to deposits | 152.0657% | 33 |
| Net loans and leases to core deposits | 9,407.1684% | 16 |
| Total domestic deposits to total assets | 60.6568% | 7,499 |
| Equity capital to assets | 25.0296% | 124 |
| Core capital (leverage) ratio | 23.5853% | 143 |
| Tier 1 risk-based capital ratio | 19.1652% | 1,679 |
| Total risk-based capital ratio | 20.4503% | 1,640 |
| Memoranda: | ||
| Average total assets | $19,960,937,400 | 60 |
| Average earning assets | $17,958,967,200 | 60 |
| Average equity | $5,217,828,800 | 37 |
| Average total loans | $18,918,970,200 | 43 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.8320% | 9 |
| Cost of funding earning assets | 2.0543% | 628 |
| Net interest margin | 15.7776% | 8 |
| Noninterest income to average assets | 6.2547% | 112 |
| Noninterest expense to average assets | 6.5546% | 178 |
| Loan and lease loss provision to assets | 6.7920% | 31 |
| Net operating income to assets | 4.3975% | 39 |
| Return on assets (ROA) | 4.3975% | 39 |
| Pretax return on assets | 6.9745% | 31 |
| Return on Equity (ROE) | 16.6151% | 637 |
| Retained earnings to average equity (ytd only) | 9.8229% | 840 |
| Net charge-offs to loans | 7.0261% | 65 |
| Credit loss provision to net charge-offs | 102.7581% | 4,183 |
| Earnings coverage of net charge-offs (x) | 2.0828% | 4,164 |
| Efficiency ratio | 31.3182% | 7,676 |
| Assets per employee ($millions) | 5.9220% | 1,289 |
| Cash dividends to net income (ytd only)* | 40.8798% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0144% | 110 |
| Loan loss allowance to noncurrent loans | 299.8285% | 977 |
| Noncurrent assets plus other real estate owned to assets | 1.8086% | 3,738 |
| Noncurrent loans to loans | 2.0060% | 3,667 |
| Net loans and leases to total assets | 89.2295% | 76 |
| Net loans and leases to deposits | 138.3826% | 47 |
| Net loans and leases to core deposits | 11,188.7878% | 15 |
| Total domestic deposits to total assets | 64.4803% | 7,510 |
| Equity capital to assets | 26.6110% | 117 |
| Core capital (leverage) ratio | 25.0221% | 126 |
| Tier 1 risk-based capital ratio | 20.2431% | 1,502 |
| Total risk-based capital ratio | 21.5360% | 1,462 |
| Memoranda: | ||
| Average total assets | $19,283,705,500 | 61 |
| Average earning assets | $17,192,207,750 | 61 |
| Average equity | $5,103,740,500 | 38 |
| Average total loans | $18,140,849,000 | 43 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.9067% | 9 |
| Cost of funding earning assets | 2.0576% | 756 |
| Net interest margin | 15.8491% | 8 |
| Noninterest income to average assets | 5.6617% | 119 |
| Noninterest expense to average assets | 5.5792% | 263 |
| Loan and lease loss provision to assets | 7.3381% | 36 |
| Net operating income to assets | 4.3105% | 45 |
| Return on assets (ROA) | 4.3105% | 45 |
| Pretax return on assets | 6.8382% | 38 |
| Return on Equity (ROE) | 16.3183% | 663 |
| Retained earnings to average equity (ytd only) | 5.9380% | 2,365 |
| Net charge-offs to loans | 7.5435% | 71 |
| Credit loss provision to net charge-offs | 103.7449% | 3,933 |
| Earnings coverage of net charge-offs (x) | 2.0042% | 4,019 |
| Efficiency ratio | 27.2629% | 7,763 |
| Assets per employee ($millions) | 5.5059% | 1,612 |
| Cash dividends to net income (ytd only)* | 63.6112% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3733% | 84 |
| Loan loss allowance to noncurrent loans | 297.7000% | 972 |
| Noncurrent assets plus other real estate owned to assets | 1.9342% | 3,572 |
| Noncurrent loans to loans | 2.1408% | 3,538 |
| Net loans and leases to total assets | 88.1405% | 125 |
| Net loans and leases to deposits | 137.6484% | 54 |
| Net loans and leases to core deposits | 10,485.7912% | 13 |
| Total domestic deposits to total assets | 64.0330% | 7,585 |
| Equity capital to assets | 26.7630% | 115 |
| Core capital (leverage) ratio | 25.0679% | 128 |
| Tier 1 risk-based capital ratio | 18.0693% | 1,944 |
| Total risk-based capital ratio | 19.3574% | 1,901 |
| Memoranda: | ||
| Average total assets | $18,964,480,000 | 60 |
| Average earning assets | $16,864,070,000 | 61 |
| Average equity | $5,009,508,330 | 37 |
| Average total loans | $17,782,106,330 | 44 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.6486% | 9 |
| Cost of funding earning assets | 2.0128% | 1,042 |
| Net interest margin | 15.6358% | 10 |
| Noninterest income to average assets | 4.3488% | 153 |
| Noninterest expense to average assets | 5.4142% | 285 |
| Loan and lease loss provision to assets | 7.4139% | 73 |
| Net operating income to assets | 3.4252% | 64 |
| Return on assets (ROA) | 3.4252% | 68 |
| Pretax return on assets | 5.4443% | 49 |
| Return on Equity (ROE) | 13.0545% | 1,242 |
| Retained earnings to average equity (ytd only) | -8.0013% | 6,829 |
| Net charge-offs to loans | 7.5726% | 108 |
| Credit loss provision to net charge-offs | 104.6290% | 3,277 |
| Earnings coverage of net charge-offs (x) | 1.8146% | 3,648 |
| Efficiency ratio | 28.5610% | 7,856 |
| Assets per employee ($millions) | 5.1829% | 1,983 |
| Cash dividends to net income (ytd only)* | 161.2913% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7820% | 66 |
| Loan loss allowance to noncurrent loans | 260.8513% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 2.2770% | 3,178 |
| Noncurrent loans to loans | 2.6000% | 3,068 |
| Net loans and leases to total assets | 87.1349% | 161 |
| Net loans and leases to deposits | 141.1469% | 55 |
| Net loans and leases to core deposits | 9,318.5184% | 16 |
| Total domestic deposits to total assets | 61.7335% | 7,724 |
| Equity capital to assets | 26.4856% | 123 |
| Core capital (leverage) ratio | 24.6777% | 139 |
| Tier 1 risk-based capital ratio | 17.3692% | 2,115 |
| Total risk-based capital ratio | 18.6602% | 2,073 |
| Memoranda: | ||
| Average total assets | $18,825,157,500 | 60 |
| Average earning assets | $16,763,748,500 | 61 |
| Average equity | $4,939,243,500 | 37 |
| Average total loans | $17,615,396,500 | 43 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.1460% | 5 |
| Cost of funding earning assets | 2.4527% | 1,147 |
| Net interest margin | 15.6933% | 5 |
| Noninterest income to average assets | 4.2296% | 158 |
| Noninterest expense to average assets | 5.1449% | 472 |
| Loan and lease loss provision to assets | 10.5774% | 11 |
| Net operating income to assets | 1.9422% | 258 |
| Return on assets (ROA) | 3.3302% | 48 |
| Pretax return on assets | 5.1029% | 40 |
| Return on Equity (ROE) | 11.1465% | 1,388 |
| Retained earnings to average equity (ytd only) | -13.6102% | 6,787 |
| Net charge-offs to loans | 8.4650% | 68 |
| Credit loss provision to net charge-offs | 130.3733% | 3,911 |
| Earnings coverage of net charge-offs (x) | 1.6695% | 4,488 |
| Efficiency ratio | 25.6270% | 7,958 |
| Assets per employee ($millions) | 5.2386% | 1,904 |
| Cash dividends to net income (ytd only)* | 222.1023% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6350% | 74 |
| Loan loss allowance to noncurrent loans | 226.1426% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 2.5604% | 2,730 |
| Noncurrent loans to loans | 2.9340% | 2,627 |
| Net loans and leases to total assets | 87.4544% | 198 |
| Net loans and leases to deposits | 145.3131% | 52 |
| Net loans and leases to core deposits | 145.3194% | 631 |
| Total domestic deposits to total assets | 60.1834% | 7,799 |
| Equity capital to assets | 25.9984% | 139 |
| Core capital (leverage) ratio | 24.2085% | 166 |
| Tier 1 risk-based capital ratio | 16.9734% | 2,153 |
| Total risk-based capital ratio | 18.2631% | 2,112 |
| Memoranda: | ||
| Average total assets | $19,468,911,000 | 60 |
| Average earning assets | $17,939,237,200 | 59 |
| Average equity | $5,816,603,000 | 31 |
| Average total loans | $18,659,671,200 | 44 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.4116% | 6 |
| Cost of funding earning assets | 2.5508% | 1,152 |
| Net interest margin | 16.8608% | 5 |
| Noninterest income to average assets | 3.2101% | 211 |
| Noninterest expense to average assets | 5.1637% | 434 |
| Loan and lease loss provision to assets | 10.3889% | 21 |
| Net operating income to assets | 2.0474% | 262 |
| Return on assets (ROA) | 3.8626% | 38 |
| Pretax return on assets | 6.1249% | 32 |
| Return on Equity (ROE) | 12.5298% | 1,229 |
| Retained earnings to average equity (ytd only) | 12.5298% | 299 |
| Net charge-offs to loans | 8.6412% | 70 |
| Credit loss provision to net charge-offs | 124.7460% | 4,039 |
| Earnings coverage of net charge-offs (x) | 1.6423% | 4,563 |
| Efficiency ratio | 25.7145% | 8,033 |
| Assets per employee ($millions) | 4.7101% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7371% | 55 |
| Loan loss allowance to noncurrent loans | 228.1263% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 2.7044% | 2,573 |
| Noncurrent loans to loans | 2.9532% | 2,566 |
| Net loans and leases to total assets | 91.0650% | 78 |
| Net loans and leases to deposits | 173.5456% | 38 |
| Net loans and leases to core deposits | 173.5456% | 236 |
| Total domestic deposits to total assets | 52.4733% | 7,961 |
| Equity capital to assets | 36.8609% | 82 |
| Core capital (leverage) ratio | 35.0648% | 96 |
| Tier 1 risk-based capital ratio | 22.7397% | 1,140 |
| Total risk-based capital ratio | 24.0285% | 1,108 |
| Memoranda: | ||
| Average total assets | $19,542,827,500 | 66 |
| Average earning assets | $18,117,688,500 | 63 |
| Average equity | $6,024,571,750 | 33 |
| Average total loans | $18,834,722,500 | 47 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.4267% | 6 |
| Cost of funding earning assets | 2.6411% | 1,182 |
| Net interest margin | 16.7856% | 5 |
| Noninterest income to average assets | 0.1545% | 7,161 |
| Noninterest expense to average assets | 4.9451% | 530 |
| Loan and lease loss provision to assets | 9.0225% | 46 |
| Net operating income to assets | 1.0937% | 1,791 |
| Return on assets (ROA) | 3.7111% | 41 |
| Pretax return on assets | 5.8880% | 32 |
| Return on Equity (ROE) | 12.7409% | 1,232 |
| Retained earnings to average equity (ytd only) | 12.7409% | 354 |
| Net charge-offs to loans | 8.2929% | 96 |
| Credit loss provision to net charge-offs | 113.3074% | 4,091 |
| Earnings coverage of net charge-offs (x) | 1.3589% | 4,509 |
| Efficiency ratio | 29.4102% | 8,108 |
| Assets per employee ($millions) | 4.5086% | 2,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0444% | 79 |
| Loan loss allowance to noncurrent loans | 209.0588% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 2.6342% | 2,435 |
| Noncurrent loans to loans | 2.8912% | 2,496 |
| Net loans and leases to total assets | 90.9891% | 92 |
| Net loans and leases to deposits | 161.3376% | 47 |
| Net loans and leases to core deposits | 161.3376% | 435 |
| Total domestic deposits to total assets | 56.3967% | 8,000 |
| Equity capital to assets | 33.9007% | 108 |
| Core capital (leverage) ratio | 32.0485% | 124 |
| Tier 1 risk-based capital ratio | 22.0342% | 1,249 |
| Total risk-based capital ratio | 23.3198% | 1,214 |
| Memoranda: | ||
| Average total assets | $20,329,609,330 | 66 |
| Average earning assets | $18,907,395,670 | 65 |
| Average equity | $5,921,553,670 | 33 |
| Average total loans | $19,520,443,670 | 49 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.3024% | 7 |
| Cost of funding earning assets | 2.6414% | 1,442 |
| Net interest margin | 15.6609% | 6 |
| Noninterest income to average assets | 0.1164% | 7,445 |
| Noninterest expense to average assets | 4.7700% | 564 |
| Loan and lease loss provision to assets | 8.0077% | 67 |
| Net operating income to assets | 1.2111% | 1,627 |
| Return on assets (ROA) | 3.5188% | 51 |
| Pretax return on assets | 5.5848% | 36 |
| Return on Equity (ROE) | 12.9783% | 1,394 |
| Retained earnings to average equity (ytd only) | 12.9783% | 646 |
| Net charge-offs to loans | 7.3806% | 107 |
| Credit loss provision to net charge-offs | 113.4041% | 3,426 |
| Earnings coverage of net charge-offs (x) | 1.4143% | 4,030 |
| Efficiency ratio | 30.3566% | 8,150 |
| Assets per employee ($millions) | 4.8144% | 2,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9207% | 71 |
| Loan loss allowance to noncurrent loans | 215.0636% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 2.4219% | 2,370 |
| Noncurrent loans to loans | 2.7530% | 2,379 |
| Net loans and leases to total assets | 89.0597% | 193 |
| Net loans and leases to deposits | 139.5143% | 93 |
| Net loans and leases to core deposits | 141.1259% | 1,058 |
| Total domestic deposits to total assets | 63.8355% | 7,852 |
| Equity capital to assets | 28.8465% | 159 |
| Core capital (leverage) ratio | 27.0319% | 190 |
| Tier 1 risk-based capital ratio | 19.2787% | 1,759 |
| Total risk-based capital ratio | 20.5633% | 1,709 |
| Memoranda: | ||
| Average total assets | $21,443,473,500 | 67 |
| Average earning assets | $20,046,015,500 | 65 |
| Average equity | $5,813,998,000 | 34 |
| Average total loans | $20,515,495,500 | 50 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.9681% | 23 |
| Cost of funding earning assets | 3.0318% | 1,745 |
| Net interest margin | 10.9363% | 25 |
| Noninterest income to average assets | 1.1095% | 1,273 |
| Noninterest expense to average assets | 8.1552% | 214 |
| Loan and lease loss provision to assets | 9.7795% | 10 |
| Net operating income to assets | -4.3595% | 8,033 |
| Return on assets (ROA) | 0.9661% | 2,593 |
| Pretax return on assets | 1.5348% | 1,582 |
| Return on Equity (ROE) | 3.4017% | 5,084 |
| Retained earnings to average equity (ytd only) | -59.2680% | 8,186 |
| Net charge-offs to loans | 6.7984% | 43 |
| Credit loss provision to net charge-offs | 151.4601% | 3,461 |
| Earnings coverage of net charge-offs (x) | 0.4636% | 5,957 |
| Efficiency ratio | 69.7520% | 4,393 |
| Assets per employee ($millions) | 5.1311% | 1,796 |
| Cash dividends to net income (ytd only)* | 1,842.3218% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4306% | 78 |
| Loan loss allowance to noncurrent loans | 251.1699% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 1.9325% | 2,541 |
| Noncurrent loans to loans | 2.1621% | 2,551 |
| Net loans and leases to total assets | 91.3560% | 113 |
| Net loans and leases to deposits | 133.5802% | 169 |
| Net loans and leases to core deposits | 134.9065% | 1,541 |
| Total domestic deposits to total assets | 68.3904% | 7,430 |
| Equity capital to assets | 25.5144% | 258 |
| Core capital (leverage) ratio | 23.6863% | 286 |
| Tier 1 risk-based capital ratio | 17.4061% | 2,203 |
| Total risk-based capital ratio | 18.6894% | 2,140 |
| Memoranda: | ||
| Average total assets | $16,856,015,400 | 72 |
| Average earning assets | $15,472,575,000 | 72 |
| Average equity | $4,787,002,800 | 36 |
| Average total loans | $16,009,222,400 | 58 |