Home > UBS Bank USA > Performance and Condition Ratios
UBS Bank USA, 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 | 4.8960% | 2,285 |
| Cost of funding earning assets | 2.8082% | 209 |
| Net interest margin | 2.0878% | 4,381 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 0.4543% | 4,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3153% | 1,404 |
| Return on assets (ROA) | 1.3154% | 1,366 |
| Pretax return on assets | 1.7010% | 1,062 |
| Return on Equity (ROE) | 16.3900% | 1,041 |
| Retained earnings to average equity (ytd only) | 0.2190% | 4,000 |
| Net charge-offs to loans | 0.0009% | 2,846 |
| Credit loss provision to net charge-offs | -675.2451% | 4,551 |
| Earnings coverage of net charge-offs (x) | 2,410.1838% | 62 |
| Efficiency ratio | 21.0723% | 4,524 |
| Assets per employee ($millions) | 163.5681% | 11 |
| Cash dividends to net income (ytd only)* | 98.6642% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1360% | 4,451 |
| Loan loss allowance to noncurrent loans | 334.6784% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 3,473 |
| Noncurrent loans to loans | 0.0406% | 3,431 |
| Net loans and leases to total assets | 72.6500% | 1,508 |
| Net loans and leases to deposits | 91.0206% | 1,182 |
| Net loans and leases to core deposits | 127.0567% | 460 |
| Total domestic deposits to total assets | 79.8200% | 3,492 |
| Equity capital to assets | 8.2617% | 3,234 |
| Core capital (leverage) ratio | 9.2028% | 3,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4615% | 281 |
| Memoranda: | ||
| Average total assets | $115,579,238,000 | 27 |
| Average earning assets | $114,500,697,000 | 27 |
| Average equity | $9,273,521,400 | 31 |
| Average total loans | $86,484,986,000 | 22 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8239% | 2,216 |
| Cost of funding earning assets | 2.6995% | 193 |
| Net interest margin | 2.1244% | 4,399 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 0.3922% | 4,567 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.3623% | 1,393 |
| Return on assets (ROA) | 1.3623% | 1,377 |
| Pretax return on assets | 1.7903% | 1,025 |
| Return on Equity (ROE) | 17.1000% | 1,059 |
| Retained earnings to average equity (ytd only) | 2.6590% | 3,596 |
| Net charge-offs to loans | 0.0008% | 2,619 |
| Credit loss provision to net charge-offs | 241.6031% | 1,008 |
| Earnings coverage of net charge-offs (x) | 2,978.4103% | 36 |
| Efficiency ratio | 17.9264% | 4,556 |
| Assets per employee ($millions) | 162.4313% | 11 |
| Cash dividends to net income (ytd only)* | 84.4537% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1404% | 4,470 |
| Loan loss allowance to noncurrent loans | 401.3892% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 3,547 |
| Noncurrent loans to loans | 0.0350% | 3,514 |
| Net loans and leases to total assets | 74.7700% | 1,264 |
| Net loans and leases to deposits | 93.9951% | 894 |
| Net loans and leases to core deposits | 128.3280% | 361 |
| Total domestic deposits to total assets | 79.5400% | 3,597 |
| Equity capital to assets | 8.2926% | 2,856 |
| Core capital (leverage) ratio | 9.2074% | 3,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7721% | 300 |
| Memoranda: | ||
| Average total assets | $115,890,514,750 | 28 |
| Average earning assets | $114,812,484,750 | 28 |
| Average equity | $9,230,424,000 | 32 |
| Average total loans | $87,311,898,750 | 23 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7108% | 2,185 |
| Cost of funding earning assets | 2.5231% | 186 |
| Net interest margin | 2.1877% | 4,433 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 0.3967% | 4,598 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.4097% | 1,303 |
| Return on assets (ROA) | 1.4097% | 1,288 |
| Pretax return on assets | 1.8271% | 960 |
| Return on Equity (ROE) | 17.9400% | 965 |
| Retained earnings to average equity (ytd only) | -3.9256% | 4,386 |
| Net charge-offs to loans | 0.0011% | 2,367 |
| Credit loss provision to net charge-offs | 2,522.8628% | 216 |
| Earnings coverage of net charge-offs (x) | 2,139.7455% | 63 |
| Efficiency ratio | 17.6632% | 4,583 |
| Assets per employee ($millions) | 162.9006% | 11 |
| Cash dividends to net income (ytd only)* | 121.8808% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1522% | 4,507 |
| Loan loss allowance to noncurrent loans | 656.5963% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 3,655 |
| Noncurrent loans to loans | 0.0232% | 3,595 |
| Net loans and leases to total assets | 75.5100% | 1,103 |
| Net loans and leases to deposits | 91.8126% | 1,039 |
| Net loans and leases to core deposits | 123.0259% | 451 |
| Total domestic deposits to total assets | 82.2400% | 3,179 |
| Equity capital to assets | 7.9951% | 3,221 |
| Core capital (leverage) ratio | 8.8403% | 3,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2653% | 288 |
| Memoranda: | ||
| Average total assets | $116,403,483,000 | 28 |
| Average earning assets | $115,339,086,667 | 28 |
| Average equity | $9,146,337,333 | 32 |
| Average total loans | $87,876,913,333 | 22 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5724% | 2,143 |
| Cost of funding earning assets | 2.2725% | 164 |
| Net interest margin | 2.2998% | 4,446 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 0.3857% | 4,668 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.5399% | 1,096 |
| Return on assets (ROA) | 1.5402% | 1,084 |
| Pretax return on assets | 1.9209% | 884 |
| Return on Equity (ROE) | 19.7700% | 795 |
| Retained earnings to average equity (ytd only) | -23.9542% | 4,617 |
| Net charge-offs to loans | 0.0003% | 2,058 |
| Credit loss provision to net charge-offs | 19,700.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 8,614.7463% | 4 |
| Efficiency ratio | 16.3995% | 4,652 |
| Assets per employee ($millions) | 160.1503% | 11 |
| Cash dividends to net income (ytd only)* | 221.1582% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1508% | 4,568 |
| Loan loss allowance to noncurrent loans | 533.8071% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 3,574 |
| Noncurrent loans to loans | 0.0283% | 3,560 |
| Net loans and leases to total assets | 77.0800% | 868 |
| Net loans and leases to deposits | 93.4570% | 819 |
| Net loans and leases to core deposits | 125.8794% | 326 |
| Total domestic deposits to total assets | 82.4800% | 3,409 |
| Equity capital to assets | 7.8008% | 3,383 |
| Core capital (leverage) ratio | 8.4538% | 4,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5717% | 295 |
| Memoranda: | ||
| Average total assets | $117,427,125,000 | 30 |
| Average earning assets | $116,411,103,500 | 30 |
| Average equity | $9,148,055,000 | 34 |
| Average total loans | $88,574,152,500 | 24 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7598% | 4,362 |
| Cost of funding earning assets | 0.7179% | 538 |
| Net interest margin | 2.0419% | 4,547 |
| Noninterest income to average assets | 0.0600% | 4,553 |
| Noninterest expense to average assets | 0.3773% | 4,696 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.2241% | 1,686 |
| Return on assets (ROA) | 1.2236% | 1,639 |
| Pretax return on assets | 1.6979% | 920 |
| Return on Equity (ROE) | 16.7400% | 907 |
| Retained earnings to average equity (ytd only) | 16.7377% | 191 |
| Net charge-offs to loans | -0.0001% | 3,267 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 18.0386% | 4,695 |
| Assets per employee ($millions) | 178.1847% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0896% | 4,599 |
| Loan loss allowance to noncurrent loans | 563.2065% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 3,755 |
| Noncurrent loans to loans | 0.0159% | 3,726 |
| Net loans and leases to total assets | 73.7000% | 1,247 |
| Net loans and leases to deposits | 85.8843% | 1,321 |
| Net loans and leases to core deposits | 108.9812% | 638 |
| Total domestic deposits to total assets | 85.8100% | 2,779 |
| Equity capital to assets | 7.7806% | 3,202 |
| Core capital (leverage) ratio | 8.7278% | 3,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4470% | 254 |
| Memoranda: | ||
| Average total assets | $120,564,107,600 | 30 |
| Average earning assets | $119,751,293,600 | 29 |
| Average equity | $8,813,992,400 | 36 |
| Average total loans | $85,294,379,400 | 23 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3033% | 4,531 |
| Cost of funding earning assets | 0.3512% | 1,689 |
| Net interest margin | 1.9520% | 4,565 |
| Noninterest income to average assets | 0.0600% | 4,582 |
| Noninterest expense to average assets | 0.3589% | 4,739 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.1826% | 1,760 |
| Return on assets (ROA) | 1.1819% | 1,733 |
| Pretax return on assets | 1.6130% | 1,088 |
| Return on Equity (ROE) | 16.4300% | 903 |
| Retained earnings to average equity (ytd only) | 16.4328% | 248 |
| Net charge-offs to loans | 0.0007% | 2,313 |
| Credit loss provision to net charge-offs | 6,529.0557% | 86 |
| Earnings coverage of net charge-offs (x) | 3,595.6949% | 32 |
| Efficiency ratio | 17.9232% | 4,734 |
| Assets per employee ($millions) | 182.7366% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0989% | 4,638 |
| Loan loss allowance to noncurrent loans | 611.3855% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 3,849 |
| Noncurrent loans to loans | 0.0162% | 3,811 |
| Net loans and leases to total assets | 75.0700% | 1,005 |
| Net loans and leases to deposits | 86.4674% | 1,142 |
| Net loans and leases to core deposits | 100.2630% | 799 |
| Total domestic deposits to total assets | 86.8100% | 2,827 |
| Equity capital to assets | 7.6582% | 3,119 |
| Core capital (leverage) ratio | 8.3774% | 4,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6626% | 251 |
| Memoranda: | ||
| Average total assets | $120,458,285,250 | 31 |
| Average earning assets | $119,655,809,250 | 29 |
| Average equity | $8,664,108,000 | 37 |
| Average total loans | $84,307,165,000 | 24 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9549% | 4,636 |
| Cost of funding earning assets | 0.1638% | 3,389 |
| Net interest margin | 1.7912% | 4,629 |
| Noninterest income to average assets | 0.0761% | 4,567 |
| Noninterest expense to average assets | 0.3481% | 4,765 |
| Loan and lease loss provision to assets | 0.0407% | 1,852 |
| Net operating income to assets | 1.0734% | 1,883 |
| Return on assets (ROA) | 1.0728% | 1,860 |
| Pretax return on assets | 1.4661% | 1,266 |
| Return on Equity (ROE) | 15.2321% | 847 |
| Retained earnings to average equity (ytd only) | 15.2321% | 247 |
| Net charge-offs to loans | 0.0010% | 2,111 |
| Credit loss provision to net charge-offs | 5,915.5502% | 101 |
| Earnings coverage of net charge-offs (x) | 2,191.2033% | 43 |
| Efficiency ratio | 18.7564% | 4,756 |
| Assets per employee ($millions) | 208.3342% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0978% | 4,707 |
| Loan loss allowance to noncurrent loans | 154.2892% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.0458% | 3,528 |
| Noncurrent loans to loans | 0.0634% | 3,483 |
| Net loans and leases to total assets | 71.6514% | 1,147 |
| Net loans and leases to deposits | 79.1911% | 1,449 |
| Net loans and leases to core deposits | 85.6456% | 1,366 |
| Total domestic deposits to total assets | 90.4792% | 1,478 |
| Equity capital to assets | 7.1704% | 3,681 |
| Core capital (leverage) ratio | 7.8147% | 4,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.8561% | 210 |
| Memoranda: | ||
| Average total assets | $121,505,409,000 | 31 |
| Average earning assets | $120,720,783,000 | 29 |
| Average equity | $8,557,360,667 | 37 |
| Average total loans | $83,025,270,667 | 24 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7543% | 4,672 |
| Cost of funding earning assets | 0.0976% | 4,159 |
| Net interest margin | 1.6567% | 4,657 |
| Noninterest income to average assets | 0.0734% | 4,598 |
| Noninterest expense to average assets | 0.3452% | 4,789 |
| Loan and lease loss provision to assets | 0.0313% | 1,801 |
| Net operating income to assets | 0.9799% | 1,970 |
| Return on assets (ROA) | 0.9790% | 1,966 |
| Pretax return on assets | 1.3425% | 1,402 |
| Return on Equity (ROE) | 14.0277% | 825 |
| Retained earnings to average equity (ytd only) | 14.0277% | 376 |
| Net charge-offs to loans | 0.0016% | 1,772 |
| Credit loss provision to net charge-offs | 2,870.7831% | 155 |
| Earnings coverage of net charge-offs (x) | 1,260.3042% | 63 |
| Efficiency ratio | 20.0675% | 4,777 |
| Assets per employee ($millions) | 232.7183% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0842% | 4,734 |
| Loan loss allowance to noncurrent loans | 385.5502% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 3,907 |
| Noncurrent loans to loans | 0.0218% | 3,835 |
| Net loans and leases to total assets | 67.6954% | 1,243 |
| Net loans and leases to deposits | 73.4973% | 1,655 |
| Net loans and leases to core deposits | 77.3060% | 1,670 |
| Total domestic deposits to total assets | 92.1060% | 538 |
| Equity capital to assets | 7.0063% | 4,213 |
| Core capital (leverage) ratio | 7.6390% | 4,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9699% | 192 |
| Memoranda: | ||
| Average total assets | $121,737,024,500 | 30 |
| Average earning assets | $120,989,952,000 | 29 |
| Average equity | $8,496,426,500 | 36 |
| Average total loans | $81,131,230,500 | 24 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8694% | 4,701 |
| Cost of funding earning assets | 0.1107% | 4,302 |
| Net interest margin | 1.7587% | 4,676 |
| Noninterest income to average assets | 0.0552% | 4,712 |
| Noninterest expense to average assets | 0.3458% | 4,822 |
| Loan and lease loss provision to assets | 0.0086% | 2,908 |
| Net operating income to assets | 1.0513% | 2,480 |
| Return on assets (ROA) | 1.0560% | 2,534 |
| Pretax return on assets | 1.4561% | 1,861 |
| Return on Equity (ROE) | 13.7659% | 1,254 |
| Retained earnings to average equity (ytd only) | 13.7659% | 327 |
| Net charge-offs to loans | 0.0024% | 2,538 |
| Credit loss provision to net charge-offs | 500.1762% | 797 |
| Earnings coverage of net charge-offs (x) | 853.2096% | 176 |
| Efficiency ratio | 19.1612% | 4,824 |
| Assets per employee ($millions) | 238.7854% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0764% | 4,776 |
| Loan loss allowance to noncurrent loans | 237.9402% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 3,912 |
| Noncurrent loans to loans | 0.0321% | 3,842 |
| Net loans and leases to total assets | 65.4745% | 1,534 |
| Net loans and leases to deposits | 71.0254% | 2,016 |
| Net loans and leases to core deposits | 74.4096% | 2,045 |
| Total domestic deposits to total assets | 92.1846% | 136 |
| Equity capital to assets | 6.9520% | 4,728 |
| Core capital (leverage) ratio | 7.6315% | 4,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.9438% | 218 |
| Memoranda: | ||
| Average total assets | $99,610,958,200 | 34 |
| Average earning assets | $99,075,975,800 | 33 |
| Average equity | $7,641,137,600 | 41 |
| Average total loans | $69,896,752,800 | 26 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9110% | 4,781 |
| Cost of funding earning assets | 0.1163% | 4,374 |
| Net interest margin | 1.7947% | 4,746 |
| Noninterest income to average assets | 0.0526% | 4,799 |
| Noninterest expense to average assets | 0.3457% | 4,906 |
| Loan and lease loss provision to assets | 0.0035% | 2,903 |
| Net operating income to assets | 1.0754% | 2,637 |
| Return on assets (ROA) | 1.0827% | 2,677 |
| Pretax return on assets | 1.4978% | 1,995 |
| Return on Equity (ROE) | 13.7014% | 1,479 |
| Retained earnings to average equity (ytd only) | 13.7014% | 541 |
| Net charge-offs to loans | 0.0028% | 2,257 |
| Credit loss provision to net charge-offs | 175.2825% | 1,271 |
| Earnings coverage of net charge-offs (x) | 744.8616% | 216 |
| Efficiency ratio | 18.8101% | 4,898 |
| Assets per employee ($millions) | 213.7363% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0730% | 4,856 |
| Loan loss allowance to noncurrent loans | 228.7406% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 4,023 |
| Noncurrent loans to loans | 0.0319% | 3,974 |
| Net loans and leases to total assets | 72.3993% | 836 |
| Net loans and leases to deposits | 79.9021% | 1,301 |
| Net loans and leases to core deposits | 84.6333% | 1,378 |
| Total domestic deposits to total assets | 90.6100% | 503 |
| Equity capital to assets | 7.4573% | 4,715 |
| Core capital (leverage) ratio | 7.5174% | 4,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6173% | 237 |
| Memoranda: | ||
| Average total assets | $94,247,644,750 | 35 |
| Average earning assets | $93,744,830,750 | 33 |
| Average equity | $7,447,320,000 | 42 |
| Average total loans | $67,539,231,000 | 27 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8862% | 4,825 |
| Cost of funding earning assets | 0.1183% | 4,451 |
| Net interest margin | 1.7679% | 4,794 |
| Noninterest income to average assets | 0.0625% | 4,808 |
| Noninterest expense to average assets | 0.3487% | 4,944 |
| Loan and lease loss provision to assets | 0.0242% | 2,483 |
| Net operating income to assets | 1.0345% | 2,775 |
| Return on assets (ROA) | 1.0459% | 2,813 |
| Pretax return on assets | 1.4629% | 2,128 |
| Return on Equity (ROE) | 12.9596% | 1,729 |
| Retained earnings to average equity (ytd only) | 12.9596% | 724 |
| Net charge-offs to loans | 0.0030% | 2,079 |
| Credit loss provision to net charge-offs | 1,129.0984% | 439 |
| Earnings coverage of net charge-offs (x) | 687.3770% | 205 |
| Efficiency ratio | 19.1468% | 4,935 |
| Assets per employee ($millions) | 197.4159% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0901% | 4,890 |
| Loan loss allowance to noncurrent loans | 168.9545% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 3,987 |
| Noncurrent loans to loans | 0.0533% | 3,908 |
| Net loans and leases to total assets | 74.5269% | 711 |
| Net loans and leases to deposits | 82.1057% | 1,211 |
| Net loans and leases to core deposits | 94.7422% | 869 |
| Total domestic deposits to total assets | 90.7695% | 448 |
| Equity capital to assets | 7.9483% | 4,560 |
| Core capital (leverage) ratio | 7.8233% | 4,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.5629% | 220 |
| Memoranda: | ||
| Average total assets | $91,109,490,667 | 36 |
| Average earning assets | $90,646,596,000 | 34 |
| Average equity | $7,352,958,667 | 42 |
| Average total loans | $65,017,140,000 | 27 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8682% | 4,865 |
| Cost of funding earning assets | 0.1265% | 4,485 |
| Net interest margin | 1.7417% | 4,829 |
| Noninterest income to average assets | 0.0623% | 4,817 |
| Noninterest expense to average assets | 0.3334% | 4,968 |
| Loan and lease loss provision to assets | 0.0293% | 2,400 |
| Net operating income to assets | 0.9935% | 2,831 |
| Return on assets (ROA) | 1.0091% | 2,871 |
| Pretax return on assets | 1.4532% | 2,129 |
| Return on Equity (ROE) | 12.4038% | 1,871 |
| Retained earnings to average equity (ytd only) | 12.4038% | 1,051 |
| Net charge-offs to loans | 0.0053% | 1,723 |
| Credit loss provision to net charge-offs | 799.7549% | 477 |
| Earnings coverage of net charge-offs (x) | 399.6752% | 230 |
| Efficiency ratio | 18.5613% | 4,955 |
| Assets per employee ($millions) | 191.4095% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0919% | 4,921 |
| Loan loss allowance to noncurrent loans | 96.5844% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 3,891 |
| Noncurrent loans to loans | 0.0952% | 3,829 |
| Net loans and leases to total assets | 70.9897% | 1,158 |
| Net loans and leases to deposits | 77.8795% | 1,732 |
| Net loans and leases to core deposits | 89.0074% | 1,287 |
| Total domestic deposits to total assets | 91.1533% | 347 |
| Equity capital to assets | 7.9892% | 4,499 |
| Core capital (leverage) ratio | 7.8132% | 4,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.1907% | 190 |
| Memoranda: | ||
| Average total assets | $89,185,706,000 | 36 |
| Average earning assets | $88,783,265,500 | 34 |
| Average equity | $7,255,713,000 | 43 |
| Average total loans | $62,109,514,500 | 29 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2591% | 4,886 |
| Cost of funding earning assets | 0.2755% | 4,273 |
| Net interest margin | 1.9836% | 4,831 |
| Noninterest income to average assets | 0.0330% | 4,893 |
| Noninterest expense to average assets | 0.3837% | 4,984 |
| Loan and lease loss provision to assets | 0.0252% | 4,080 |
| Net operating income to assets | 1.1643% | 1,666 |
| Return on assets (ROA) | 1.2044% | 1,648 |
| Pretax return on assets | 1.6435% | 971 |
| Return on Equity (ROE) | 12.9902% | 1,044 |
| Retained earnings to average equity (ytd only) | 5.5774% | 2,011 |
| Net charge-offs to loans | 0.0094% | 2,982 |
| Credit loss provision to net charge-offs | 387.9879% | 1,471 |
| Earnings coverage of net charge-offs (x) | 248.6968% | 403 |
| Efficiency ratio | 19.1696% | 4,986 |
| Assets per employee ($millions) | 189.6967% | 11 |
| Cash dividends to net income (ytd only)* | 57.0647% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0904% | 4,941 |
| Loan loss allowance to noncurrent loans | 88.3289% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 3,994 |
| Noncurrent loans to loans | 0.1024% | 3,882 |
| Net loans and leases to total assets | 68.1023% | 1,814 |
| Net loans and leases to deposits | 74.9486% | 2,386 |
| Net loans and leases to core deposits | 83.8401% | 2,047 |
| Total domestic deposits to total assets | 90.8653% | 257 |
| Equity capital to assets | 8.2882% | 4,580 |
| Core capital (leverage) ratio | 8.2958% | 4,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.4059% | 171 |
| Memoranda: | ||
| Average total assets | $76,388,658,800 | 38 |
| Average earning assets | $75,819,707,000 | 37 |
| Average equity | $7,082,355,200 | 41 |
| Average total loans | $53,053,478,200 | 31 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3592% | 4,926 |
| Cost of funding earning assets | 0.3208% | 4,211 |
| Net interest margin | 2.0384% | 4,874 |
| Noninterest income to average assets | 0.0305% | 4,930 |
| Noninterest expense to average assets | 0.3841% | 5,022 |
| Loan and lease loss provision to assets | 0.0310% | 3,946 |
| Net operating income to assets | 1.1914% | 1,664 |
| Return on assets (ROA) | 1.2428% | 1,628 |
| Pretax return on assets | 1.7023% | 970 |
| Return on Equity (ROE) | 12.9962% | 1,114 |
| Retained earnings to average equity (ytd only) | 3.0601% | 3,496 |
| Net charge-offs to loans | 0.0112% | 2,706 |
| Credit loss provision to net charge-offs | 395.1821% | 1,472 |
| Earnings coverage of net charge-offs (x) | 212.4873% | 477 |
| Efficiency ratio | 18.7145% | 5,019 |
| Assets per employee ($millions) | 175.2956% | 12 |
| Cash dividends to net income (ytd only)* | 76.4536% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0929% | 4,980 |
| Loan loss allowance to noncurrent loans | 54.1230% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 3,804 |
| Noncurrent loans to loans | 0.1717% | 3,698 |
| Net loans and leases to total assets | 72.2294% | 1,631 |
| Net loans and leases to deposits | 80.6569% | 2,243 |
| Net loans and leases to core deposits | 89.0683% | 2,056 |
| Total domestic deposits to total assets | 89.5514% | 571 |
| Equity capital to assets | 9.0640% | 4,066 |
| Core capital (leverage) ratio | 8.5707% | 4,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.4132% | 196 |
| Memoranda: | ||
| Average total assets | $73,670,701,000 | 39 |
| Average earning assets | $73,070,897,750 | 37 |
| Average equity | $7,044,856,500 | 41 |
| Average total loans | $51,446,811,250 | 33 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4662% | 4,971 |
| Cost of funding earning assets | 0.3803% | 4,125 |
| Net interest margin | 2.0859% | 4,923 |
| Noninterest income to average assets | 0.0255% | 4,964 |
| Noninterest expense to average assets | 0.3944% | 5,056 |
| Loan and lease loss provision to assets | 0.1155% | 2,866 |
| Net operating income to assets | 1.1415% | 1,838 |
| Return on assets (ROA) | 1.1911% | 1,796 |
| Pretax return on assets | 1.6463% | 1,112 |
| Return on Equity (ROE) | 12.2270% | 1,280 |
| Retained earnings to average equity (ytd only) | 12.2270% | 434 |
| Net charge-offs to loans | 0.0170% | 2,383 |
| Credit loss provision to net charge-offs | 982.7684% | 804 |
| Earnings coverage of net charge-offs (x) | 144.5494% | 547 |
| Efficiency ratio | 18.8390% | 5,051 |
| Assets per employee ($millions) | 176.2396% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1513% | 5,005 |
| Loan loss allowance to noncurrent loans | 34.4716% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 3,125 |
| Noncurrent loans to loans | 0.4390% | 2,840 |
| Net loans and leases to total assets | 67.1801% | 2,476 |
| Net loans and leases to deposits | 75.7705% | 2,903 |
| Net loans and leases to core deposits | 83.2712% | 2,667 |
| Total domestic deposits to total assets | 88.6626% | 883 |
| Equity capital to assets | 9.7399% | 3,433 |
| Core capital (leverage) ratio | 8.9843% | 3,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.5083% | 160 |
| Memoranda: | ||
| Average total assets | $72,283,846,333 | 39 |
| Average earning assets | $71,658,869,333 | 37 |
| Average equity | $7,041,588,333 | 41 |
| Average total loans | $49,839,314,667 | 33 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7363% | 5,011 |
| Cost of funding earning assets | 0.5132% | 3,877 |
| Net interest margin | 2.2231% | 4,949 |
| Noninterest income to average assets | 0.0207% | 5,018 |
| Noninterest expense to average assets | 0.4046% | 5,103 |
| Loan and lease loss provision to assets | 0.1673% | 1,754 |
| Net operating income to assets | 1.1611% | 1,657 |
| Return on assets (ROA) | 1.2265% | 1,546 |
| Pretax return on assets | 1.7339% | 813 |
| Return on Equity (ROE) | 12.5896% | 960 |
| Retained earnings to average equity (ytd only) | 12.5896% | 361 |
| Net charge-offs to loans | 0.0175% | 2,026 |
| Credit loss provision to net charge-offs | 1,369.4483% | 467 |
| Earnings coverage of net charge-offs (x) | 148.8447% | 432 |
| Efficiency ratio | 18.2001% | 5,093 |
| Assets per employee ($millions) | 190.7981% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1358% | 5,045 |
| Loan loss allowance to noncurrent loans | 29.7422% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 0.2902% | 3,291 |
| Noncurrent loans to loans | 0.4567% | 2,883 |
| Net loans and leases to total assets | 63.4571% | 3,129 |
| Net loans and leases to deposits | 70.9057% | 3,524 |
| Net loans and leases to core deposits | 79.7812% | 3,215 |
| Total domestic deposits to total assets | 89.4950% | 472 |
| Equity capital to assets | 9.1978% | 4,467 |
| Core capital (leverage) ratio | 10.0166% | 3,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.7464% | 178 |
| Memoranda: | ||
| Average total assets | $70,622,379,000 | 38 |
| Average earning assets | $69,963,730,500 | 36 |
| Average equity | $6,880,372,500 | 41 |
| Average total loans | $49,324,122,000 | 33 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4530% | 4,886 |
| Cost of funding earning assets | 0.7115% | 3,109 |
| Net interest margin | 2.7415% | 4,801 |
| Noninterest income to average assets | 0.0240% | 5,088 |
| Noninterest expense to average assets | 0.4486% | 5,162 |
| Loan and lease loss provision to assets | 0.0168% | 3,682 |
| Net operating income to assets | 1.6752% | 699 |
| Return on assets (ROA) | 1.7088% | 690 |
| Pretax return on assets | 2.3240% | 290 |
| Return on Equity (ROE) | 15.5019% | 606 |
| Retained earnings to average equity (ytd only) | 7.7621% | 1,057 |
| Net charge-offs to loans | 0.0032% | 3,568 |
| Credit loss provision to net charge-offs | 652.2833% | 481 |
| Earnings coverage of net charge-offs (x) | 891.3706% | 117 |
| Efficiency ratio | 16.3323% | 5,161 |
| Assets per employee ($millions) | 157.8731% | 10 |
| Cash dividends to net income (ytd only)* | 49.9285% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0799% | 5,109 |
| Loan loss allowance to noncurrent loans | 129.0337% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 4,395 |
| Noncurrent loans to loans | 0.0619% | 4,293 |
| Net loans and leases to total assets | 77.4301% | 1,176 |
| Net loans and leases to deposits | 87.5498% | 1,906 |
| Net loans and leases to core deposits | 103.7890% | 1,245 |
| Total domestic deposits to total assets | 88.4412% | 913 |
| Equity capital to assets | 10.4040% | 3,539 |
| Core capital (leverage) ratio | 10.5873% | 2,870 |
| Tier 1 risk-based capital ratio | 35.4375% | 321 |
| Total risk-based capital ratio | 35.6542% | 337 |
| Memoranda: | ||
| Average total assets | $58,603,806,800 | 39 |
| Average earning assets | $58,206,262,800 | 39 |
| Average equity | $6,460,050,800 | 41 |
| Average total loans | $47,496,357,200 | 34 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5427% | 4,927 |
| Cost of funding earning assets | 0.7345% | 3,042 |
| Net interest margin | 2.8083% | 4,853 |
| Noninterest income to average assets | 0.0311% | 5,151 |
| Noninterest expense to average assets | 0.4534% | 5,241 |
| Loan and lease loss provision to assets | 0.0131% | 3,641 |
| Net operating income to assets | 1.7204% | 717 |
| Return on assets (ROA) | 1.7596% | 701 |
| Pretax return on assets | 2.4029% | 304 |
| Return on Equity (ROE) | 15.7172% | 656 |
| Retained earnings to average equity (ytd only) | 15.7172% | 117 |
| Net charge-offs to loans | 0.0032% | 3,300 |
| Credit loss provision to net charge-offs | 500.0890% | 620 |
| Earnings coverage of net charge-offs (x) | 905.7197% | 104 |
| Efficiency ratio | 16.0797% | 5,240 |
| Assets per employee ($millions) | 149.6137% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0743% | 5,187 |
| Loan loss allowance to noncurrent loans | 111.5279% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 4,425 |
| Noncurrent loans to loans | 0.0667% | 4,339 |
| Net loans and leases to total assets | 84.2116% | 330 |
| Net loans and leases to deposits | 97.9582% | 822 |
| Net loans and leases to core deposits | 123.8221% | 411 |
| Total domestic deposits to total assets | 85.9669% | 2,011 |
| Equity capital to assets | 12.2062% | 2,108 |
| Core capital (leverage) ratio | 11.8085% | 1,990 |
| Tier 1 risk-based capital ratio | 39.1084% | 263 |
| Total risk-based capital ratio | 39.3159% | 276 |
| Memoranda: | ||
| Average total assets | $57,309,578,000 | 40 |
| Average earning assets | $56,909,048,000 | 40 |
| Average equity | $6,416,123,750 | 42 |
| Average total loans | $47,014,202,750 | 35 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5604% | 4,962 |
| Cost of funding earning assets | 0.7364% | 2,968 |
| Net interest margin | 2.8240% | 4,898 |
| Noninterest income to average assets | 0.0590% | 5,140 |
| Noninterest expense to average assets | 0.4426% | 5,290 |
| Loan and lease loss provision to assets | 0.0070% | 3,587 |
| Net operating income to assets | 1.7473% | 662 |
| Return on assets (ROA) | 1.7515% | 686 |
| Pretax return on assets | 2.4190% | 277 |
| Return on Equity (ROE) | 16.1250% | 572 |
| Retained earnings to average equity (ytd only) | 16.1250% | 128 |
| Net charge-offs to loans | 0.0033% | 3,047 |
| Credit loss provision to net charge-offs | 261.6883% | 985 |
| Earnings coverage of net charge-offs (x) | 903.2130% | 78 |
| Efficiency ratio | 15.4578% | 5,286 |
| Assets per employee ($millions) | 153.2690% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0689% | 5,242 |
| Loan loss allowance to noncurrent loans | 121.9497% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 4,532 |
| Noncurrent loans to loans | 0.0565% | 4,429 |
| Net loans and leases to total assets | 83.7329% | 382 |
| Net loans and leases to deposits | 96.8139% | 950 |
| Net loans and leases to core deposits | 120.2250% | 541 |
| Total domestic deposits to total assets | 86.4885% | 1,824 |
| Equity capital to assets | 11.8335% | 2,319 |
| Core capital (leverage) ratio | 11.4921% | 2,175 |
| Tier 1 risk-based capital ratio | 37.1207% | 291 |
| Total risk-based capital ratio | 37.3068% | 304 |
| Memoranda: | ||
| Average total assets | $57,461,704,330 | 40 |
| Average earning assets | $57,061,094,670 | 39 |
| Average equity | $6,241,625,670 | 42 |
| Average total loans | $46,714,733,330 | 35 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5410% | 5,010 |
| Cost of funding earning assets | 0.6847% | 3,126 |
| Net interest margin | 2.8563% | 4,929 |
| Noninterest income to average assets | 0.0607% | 5,180 |
| Noninterest expense to average assets | 0.4261% | 5,351 |
| Loan and lease loss provision to assets | 0.0054% | 3,358 |
| Net operating income to assets | 1.6972% | 731 |
| Return on assets (ROA) | 1.7023% | 752 |
| Pretax return on assets | 2.4725% | 257 |
| Return on Equity (ROE) | 16.3778% | 546 |
| Retained earnings to average equity (ytd only) | 16.3778% | 208 |
| Net charge-offs to loans | 0.0036% | 2,599 |
| Credit loss provision to net charge-offs | 187.0813% | 1,092 |
| Earnings coverage of net charge-offs (x) | 859.4522% | 69 |
| Efficiency ratio | 14.7067% | 5,349 |
| Assets per employee ($millions) | 154.6807% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0681% | 5,305 |
| Loan loss allowance to noncurrent loans | 149.7456% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 4,656 |
| Noncurrent loans to loans | 0.0454% | 4,557 |
| Net loans and leases to total assets | 81.2428% | 677 |
| Net loans and leases to deposits | 92.7108% | 1,314 |
| Net loans and leases to core deposits | 111.6063% | 856 |
| Total domestic deposits to total assets | 87.6303% | 1,505 |
| Equity capital to assets | 10.9152% | 2,936 |
| Core capital (leverage) ratio | 10.9884% | 2,585 |
| Tier 1 risk-based capital ratio | 36.6352% | 289 |
| Total risk-based capital ratio | 36.8212% | 305 |
| Memoranda: | ||
| Average total assets | $58,144,331,500 | 40 |
| Average earning assets | $57,748,981,500 | 40 |
| Average equity | $6,043,345,500 | 43 |
| Average total loans | $46,570,326,500 | 36 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4047% | 5,002 |
| Cost of funding earning assets | 0.4537% | 3,656 |
| Net interest margin | 2.9511% | 4,851 |
| Noninterest income to average assets | 0.0624% | 5,241 |
| Noninterest expense to average assets | 0.5246% | 5,391 |
| Loan and lease loss provision to assets | 0.0075% | 3,970 |
| Net operating income to assets | 1.8173% | 532 |
| Return on assets (ROA) | 1.8166% | 528 |
| Pretax return on assets | 2.4617% | 225 |
| Return on Equity (ROE) | 17.3623% | 451 |
| Retained earnings to average equity (ytd only) | 9.4686% | 743 |
| Net charge-offs to loans | 0.0044% | 3,566 |
| Credit loss provision to net charge-offs | 207.0015% | 1,395 |
| Earnings coverage of net charge-offs (x) | 682.8539% | 162 |
| Efficiency ratio | 17.5168% | 5,389 |
| Assets per employee ($millions) | 164.4492% | 11 |
| Cash dividends to net income (ytd only)* | 45.4645% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0664% | 5,350 |
| Loan loss allowance to noncurrent loans | 152.3441% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 4,680 |
| Noncurrent loans to loans | 0.0436% | 4,557 |
| Net loans and leases to total assets | 78.8877% | 1,114 |
| Net loans and leases to deposits | 89.6442% | 1,842 |
| Net loans and leases to core deposits | 101.9572% | 1,580 |
| Total domestic deposits to total assets | 88.0009% | 1,294 |
| Equity capital to assets | 9.8936% | 3,769 |
| Core capital (leverage) ratio | 10.6983% | 2,835 |
| Tier 1 risk-based capital ratio | 34.0705% | 337 |
| Total risk-based capital ratio | 34.2486% | 361 |
| Memoranda: | ||
| Average total assets | $54,486,260,000 | 40 |
| Average earning assets | $54,141,888,800 | 40 |
| Average equity | $5,700,773,800 | 43 |
| Average total loans | $45,176,777,000 | 36 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3679% | 5,068 |
| Cost of funding earning assets | 0.3952% | 3,898 |
| Net interest margin | 2.9727% | 4,883 |
| Noninterest income to average assets | 0.0656% | 5,306 |
| Noninterest expense to average assets | 0.5443% | 5,457 |
| Loan and lease loss provision to assets | 0.0084% | 3,812 |
| Net operating income to assets | 1.8277% | 575 |
| Return on assets (ROA) | 1.8266% | 577 |
| Pretax return on assets | 2.4658% | 248 |
| Return on Equity (ROE) | 17.1973% | 522 |
| Retained earnings to average equity (ytd only) | 17.1973% | 101 |
| Net charge-offs to loans | 0.0057% | 3,231 |
| Credit loss provision to net charge-offs | 173.5996% | 1,540 |
| Earnings coverage of net charge-offs (x) | 512.9802% | 177 |
| Efficiency ratio | 18.0228% | 5,460 |
| Assets per employee ($millions) | 146.3576% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0657% | 5,424 |
| Loan loss allowance to noncurrent loans | 180.5504% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 4,826 |
| Noncurrent loans to loans | 0.0364% | 4,731 |
| Net loans and leases to total assets | 86.2424% | 241 |
| Net loans and leases to deposits | 100.5082% | 738 |
| Net loans and leases to core deposits | 109.2962% | 1,083 |
| Total domestic deposits to total assets | 85.8063% | 2,283 |
| Equity capital to assets | 11.1122% | 2,558 |
| Core capital (leverage) ratio | 11.3661% | 2,276 |
| Tier 1 risk-based capital ratio | 36.7022% | 282 |
| Total risk-based capital ratio | 36.8840% | 307 |
| Memoranda: | ||
| Average total assets | $53,266,282,500 | 41 |
| Average earning assets | $52,936,162,750 | 40 |
| Average equity | $5,657,598,750 | 43 |
| Average total loans | $44,755,035,250 | 36 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2656% | 5,172 |
| Cost of funding earning assets | 0.3399% | 4,132 |
| Net interest margin | 2.9257% | 4,978 |
| Noninterest income to average assets | 0.0677% | 5,359 |
| Noninterest expense to average assets | 0.5276% | 5,524 |
| Loan and lease loss provision to assets | 0.0085% | 3,675 |
| Net operating income to assets | 1.8399% | 536 |
| Return on assets (ROA) | 1.8391% | 538 |
| Pretax return on assets | 2.4393% | 248 |
| Return on Equity (ROE) | 17.5888% | 467 |
| Retained earnings to average equity (ytd only) | 17.5888% | 108 |
| Net charge-offs to loans | 0.0076% | 2,857 |
| Credit loss provision to net charge-offs | 134.6890% | 1,688 |
| Earnings coverage of net charge-offs (x) | 388.9844% | 236 |
| Efficiency ratio | 17.7252% | 5,524 |
| Assets per employee ($millions) | 141.5365% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0654% | 5,483 |
| Loan loss allowance to noncurrent loans | 570.4375% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 4,998 |
| Noncurrent loans to loans | 0.0115% | 4,901 |
| Net loans and leases to total assets | 83.6723% | 497 |
| Net loans and leases to deposits | 95.2102% | 1,226 |
| Net loans and leases to core deposits | 102.8854% | 1,499 |
| Total domestic deposits to total assets | 87.8817% | 1,440 |
| Equity capital to assets | 10.6523% | 2,966 |
| Core capital (leverage) ratio | 11.2363% | 2,314 |
| Tier 1 risk-based capital ratio | 36.4651% | 290 |
| Total risk-based capital ratio | 36.6479% | 320 |
| Memoranda: | ||
| Average total assets | $53,117,300,000 | 40 |
| Average earning assets | $52,809,460,330 | 40 |
| Average equity | $5,553,896,330 | 43 |
| Average total loans | $44,222,045,330 | 36 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1709% | 5,255 |
| Cost of funding earning assets | 0.2845% | 4,461 |
| Net interest margin | 2.8864% | 5,053 |
| Noninterest income to average assets | 0.0700% | 5,426 |
| Noninterest expense to average assets | 0.5000% | 5,591 |
| Loan and lease loss provision to assets | 0.0044% | 3,452 |
| Net operating income to assets | 1.8258% | 536 |
| Return on assets (ROA) | 1.8253% | 538 |
| Pretax return on assets | 2.4353% | 248 |
| Return on Equity (ROE) | 17.6267% | 448 |
| Retained earnings to average equity (ytd only) | 17.6267% | 168 |
| Net charge-offs to loans | 0.0106% | 2,364 |
| Credit loss provision to net charge-offs | 50.3030% | 1,943 |
| Earnings coverage of net charge-offs (x) | 278.0649% | 244 |
| Efficiency ratio | 17.0054% | 5,593 |
| Assets per employee ($millions) | 135.2206% | 12 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0652% | 5,546 |
| Loan loss allowance to noncurrent loans | 472.8391% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 5,066 |
| Noncurrent loans to loans | 0.0138% | 4,937 |
| Net loans and leases to total assets | 84.2197% | 420 |
| Net loans and leases to deposits | 94.8038% | 1,159 |
| Net loans and leases to core deposits | 98.4854% | 1,803 |
| Total domestic deposits to total assets | 88.8358% | 1,190 |
| Equity capital to assets | 10.7052% | 2,863 |
| Core capital (leverage) ratio | 10.7511% | 2,687 |
| Tier 1 risk-based capital ratio | 37.3374% | 268 |
| Total risk-based capital ratio | 37.5251% | 292 |
| Memoranda: | ||
| Average total assets | $52,642,472,000 | 41 |
| Average earning assets | $52,350,326,500 | 41 |
| Average equity | $5,451,156,000 | 44 |
| Average total loans | $43,698,729,000 | 36 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6906% | 5,499 |
| Cost of funding earning assets | 0.0924% | 5,522 |
| Net interest margin | 2.5982% | 5,350 |
| Noninterest income to average assets | 0.1050% | 5,397 |
| Noninterest expense to average assets | 0.5017% | 5,651 |
| Loan and lease loss provision to assets | -0.0014% | 5,285 |
| Net operating income to assets | 1.2851% | 1,263 |
| Return on assets (ROA) | 1.2813% | 1,294 |
| Pretax return on assets | 2.1848% | 322 |
| Return on Equity (ROE) | 13.1105% | 931 |
| Retained earnings to average equity (ytd only) | 4.6189% | 2,382 |
| Net charge-offs to loans | 0.0047% | 3,917 |
| Credit loss provision to net charge-offs | -37.2696% | 4,632 |
| Earnings coverage of net charge-offs (x) | 591.4763% | 150 |
| Efficiency ratio | 18.6424% | 5,649 |
| Assets per employee ($millions) | 140.0405% | 11 |
| Cash dividends to net income (ytd only)* | 64.7691% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0663% | 5,609 |
| Loan loss allowance to noncurrent loans | 817.0045% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 5,137 |
| Noncurrent loans to loans | 0.0081% | 5,017 |
| Net loans and leases to total assets | 81.7322% | 720 |
| Net loans and leases to deposits | 91.1104% | 1,637 |
| Net loans and leases to core deposits | 94.4374% | 2,156 |
| Total domestic deposits to total assets | 89.7067% | 676 |
| Equity capital to assets | 10.0160% | 3,688 |
| Core capital (leverage) ratio | 10.2840% | 3,087 |
| Tier 1 risk-based capital ratio | 35.9523% | 296 |
| Total risk-based capital ratio | 36.1449% | 316 |
| Memoranda: | ||
| Average total assets | $54,222,222,200 | 40 |
| Average earning assets | $53,966,166,800 | 39 |
| Average equity | $5,299,397,400 | 44 |
| Average total loans | $42,542,828,000 | 35 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6132% | 5,590 |
| Cost of funding earning assets | 0.0613% | 5,658 |
| Net interest margin | 2.5519% | 5,439 |
| Noninterest income to average assets | 0.1015% | 5,473 |
| Noninterest expense to average assets | 0.4774% | 5,721 |
| Loan and lease loss provision to assets | -0.0048% | 5,446 |
| Net operating income to assets | 1.3324% | 1,245 |
| Return on assets (ROA) | 1.3290% | 1,282 |
| Pretax return on assets | 2.1634% | 392 |
| Return on Equity (ROE) | 13.6820% | 897 |
| Retained earnings to average equity (ytd only) | 2.3288% | 4,482 |
| Net charge-offs to loans | 0.0053% | 3,545 |
| Credit loss provision to net charge-offs | -117.4746% | 4,531 |
| Earnings coverage of net charge-offs (x) | 528.3906% | 192 |
| Efficiency ratio | 18.0760% | 5,718 |
| Assets per employee ($millions) | 143.4230% | 10 |
| Cash dividends to net income (ytd only)* | 82.9793% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0654% | 5,675 |
| Loan loss allowance to noncurrent loans | 653.5300% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 5,214 |
| Noncurrent loans to loans | 0.0100% | 5,100 |
| Net loans and leases to total assets | 82.7627% | 572 |
| Net loans and leases to deposits | 92.4462% | 1,504 |
| Net loans and leases to core deposits | 93.0265% | 2,345 |
| Total domestic deposits to total assets | 89.5253% | 649 |
| Equity capital to assets | 10.0760% | 3,830 |
| Core capital (leverage) ratio | 10.0016% | 3,561 |
| Tier 1 risk-based capital ratio | 34.4032% | 341 |
| Total risk-based capital ratio | 34.5872% | 364 |
| Memoranda: | ||
| Average total assets | $54,403,914,750 | 40 |
| Average earning assets | $54,145,503,000 | 39 |
| Average equity | $5,284,715,000 | 44 |
| Average total loans | $42,240,525,500 | 35 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5134% | 5,658 |
| Cost of funding earning assets | 0.0217% | 5,753 |
| Net interest margin | 2.4916% | 5,511 |
| Noninterest income to average assets | 0.0987% | 5,518 |
| Noninterest expense to average assets | 0.4668% | 5,774 |
| Loan and lease loss provision to assets | -0.0134% | 5,551 |
| Net operating income to assets | 1.3072% | 1,278 |
| Return on assets (ROA) | 1.3005% | 1,319 |
| Pretax return on assets | 2.1150% | 427 |
| Return on Equity (ROE) | 13.5459% | 913 |
| Retained earnings to average equity (ytd only) | 13.5459% | 218 |
| Net charge-offs to loans | 0.0046% | 3,322 |
| Credit loss provision to net charge-offs | -383.0228% | 4,612 |
| Earnings coverage of net charge-offs (x) | 603.8116% | 130 |
| Efficiency ratio | 18.1001% | 5,769 |
| Assets per employee ($millions) | 154.8903% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0634% | 5,722 |
| Loan loss allowance to noncurrent loans | 589.0700% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 5,262 |
| Noncurrent loans to loans | 0.0108% | 5,139 |
| Net loans and leases to total assets | 80.8554% | 829 |
| Net loans and leases to deposits | 90.8984% | 1,620 |
| Net loans and leases to core deposits | 91.4628% | 2,377 |
| Total domestic deposits to total assets | 88.9514% | 981 |
| Equity capital to assets | 10.3919% | 3,465 |
| Core capital (leverage) ratio | 10.1275% | 3,367 |
| Tier 1 risk-based capital ratio | 32.5531% | 384 |
| Total risk-based capital ratio | 32.7127% | 415 |
| Memoranda: | ||
| Average total assets | $55,232,173,330 | 40 |
| Average earning assets | $54,978,043,330 | 39 |
| Average equity | $5,302,499,000 | 43 |
| Average total loans | $41,988,089,670 | 34 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3755% | 5,750 |
| Cost of funding earning assets | 0.0187% | 5,818 |
| Net interest margin | 2.3568% | 5,634 |
| Noninterest income to average assets | 0.0912% | 5,618 |
| Noninterest expense to average assets | 0.4542% | 5,842 |
| Loan and lease loss provision to assets | -0.0364% | 5,699 |
| Net operating income to assets | 1.2453% | 1,391 |
| Return on assets (ROA) | 1.2460% | 1,424 |
| Pretax return on assets | 2.0207% | 486 |
| Return on Equity (ROE) | 13.4993% | 903 |
| Retained earnings to average equity (ytd only) | 13.4993% | 336 |
| Net charge-offs to loans | 0.0047% | 2,815 |
| Credit loss provision to net charge-offs | -1,060.2062% | 4,437 |
| Earnings coverage of net charge-offs (x) | 576.9835% | 96 |
| Efficiency ratio | 18.6333% | 5,835 |
| Assets per employee ($millions) | 172.6639% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0630% | 5,797 |
| Loan loss allowance to noncurrent loans | 817.1250% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 5,348 |
| Noncurrent loans to loans | 0.0077% | 5,221 |
| Net loans and leases to total assets | 74.1645% | 1,710 |
| Net loans and leases to deposits | 82.2942% | 2,465 |
| Net loans and leases to core deposits | 82.7077% | 3,018 |
| Total domestic deposits to total assets | 90.1211% | 609 |
| Equity capital to assets | 9.4746% | 4,301 |
| Core capital (leverage) ratio | 9.4512% | 4,175 |
| Tier 1 risk-based capital ratio | 32.5803% | 394 |
| Total risk-based capital ratio | 32.7396% | 427 |
| Memoranda: | ||
| Average total assets | $56,439,466,500 | 39 |
| Average earning assets | $56,185,736,000 | 38 |
| Average equity | $5,209,374,000 | 44 |
| Average total loans | $41,615,633,500 | 34 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2275% | 5,819 |
| Cost of funding earning assets | 0.0152% | 5,878 |
| Net interest margin | 2.2123% | 5,745 |
| Noninterest income to average assets | 0.1106% | 5,615 |
| Noninterest expense to average assets | 0.4257% | 5,898 |
| Loan and lease loss provision to assets | 0.0027% | 4,302 |
| Net operating income to assets | 1.1696% | 1,608 |
| Return on assets (ROA) | 1.1698% | 1,704 |
| Pretax return on assets | 1.8829% | 641 |
| Return on Equity (ROE) | 12.5985% | 1,093 |
| Retained earnings to average equity (ytd only) | 3.7901% | 3,219 |
| Net charge-offs to loans | -0.0004% | 4,632 |
| Credit loss provision to net charge-offs | -804.3243% | 5,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.4021% | 5,897 |
| Assets per employee ($millions) | 226.8360% | 7 |
| Cash dividends to net income (ytd only)* | 69.9158% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0762% | 5,851 |
| Loan loss allowance to noncurrent loans | 988.6434% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 5,405 |
| Noncurrent loans to loans | 0.0077% | 5,271 |
| Net loans and leases to total assets | 73.2113% | 1,973 |
| Net loans and leases to deposits | 80.6462% | 2,826 |
| Net loans and leases to core deposits | 80.9793% | 3,314 |
| Total domestic deposits to total assets | 90.7808% | 353 |
| Equity capital to assets | 8.9897% | 4,832 |
| Core capital (leverage) ratio | 9.2468% | 4,413 |
| Tier 1 risk-based capital ratio | 32.4563% | 395 |
| Total risk-based capital ratio | 32.6557% | 422 |
| Memoranda: | ||
| Average total assets | $55,020,190,600 | 39 |
| Average earning assets | $54,724,688,400 | 38 |
| Average equity | $5,108,809,800 | 43 |
| Average total loans | $42,524,425,800 | 33 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1902% | 5,893 |
| Cost of funding earning assets | 0.0147% | 5,945 |
| Net interest margin | 2.1754% | 5,828 |
| Noninterest income to average assets | 0.1100% | 5,674 |
| Noninterest expense to average assets | 0.4191% | 5,968 |
| Loan and lease loss provision to assets | 0.0035% | 4,152 |
| Net operating income to assets | 1.1607% | 1,764 |
| Return on assets (ROA) | 1.1620% | 1,864 |
| Pretax return on assets | 1.8525% | 799 |
| Return on Equity (ROE) | 12.4112% | 1,196 |
| Retained earnings to average equity (ytd only) | 0.6616% | 5,188 |
| Net charge-offs to loans | -0.0008% | 4,431 |
| Credit loss provision to net charge-offs | -534.2007% | 5,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.4115% | 5,965 |
| Assets per employee ($millions) | 209.6469% | 8 |
| Cash dividends to net income (ytd only)* | 94.6697% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0772% | 5,918 |
| Loan loss allowance to noncurrent loans | 2,765.9130% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 5,540 |
| Noncurrent loans to loans | 0.0028% | 5,414 |
| Net loans and leases to total assets | 74.4281% | 1,802 |
| Net loans and leases to deposits | 82.1468% | 2,713 |
| Net loans and leases to core deposits | 82.4707% | 3,247 |
| Total domestic deposits to total assets | 90.6038% | 296 |
| Equity capital to assets | 9.0666% | 5,110 |
| Core capital (leverage) ratio | 8.9475% | 4,884 |
| Tier 1 risk-based capital ratio | 32.4575% | 396 |
| Total risk-based capital ratio | 32.6634% | 426 |
| Memoranda: | ||
| Average total assets | $54,541,277,250 | 39 |
| Average earning assets | $54,232,786,250 | 38 |
| Average equity | $5,106,427,500 | 43 |
| Average total loans | $42,726,724,750 | 33 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1758% | 5,976 |
| Cost of funding earning assets | 0.0140% | 6,023 |
| Net interest margin | 2.1618% | 5,914 |
| Noninterest income to average assets | 0.1152% | 5,722 |
| Noninterest expense to average assets | 0.4138% | 6,044 |
| Loan and lease loss provision to assets | 0.0016% | 3,999 |
| Net operating income to assets | 1.1712% | 1,694 |
| Return on assets (ROA) | 1.1732% | 1,789 |
| Pretax return on assets | 1.8525% | 783 |
| Return on Equity (ROE) | 12.3974% | 1,186 |
| Retained earnings to average equity (ytd only) | 12.3974% | 280 |
| Net charge-offs to loans | -0.0027% | 4,404 |
| Credit loss provision to net charge-offs | -75.8681% | 4,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.0779% | 6,042 |
| Assets per employee ($millions) | 212.7645% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0704% | 5,997 |
| Loan loss allowance to noncurrent loans | 1,637.6316% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 5,621 |
| Noncurrent loans to loans | 0.0043% | 5,498 |
| Net loans and leases to total assets | 80.7876% | 787 |
| Net loans and leases to deposits | 90.0477% | 1,747 |
| Net loans and leases to core deposits | 90.2921% | 2,509 |
| Total domestic deposits to total assets | 89.7165% | 588 |
| Equity capital to assets | 9.7292% | 4,533 |
| Core capital (leverage) ratio | 9.6369% | 4,012 |
| Tier 1 risk-based capital ratio | 13.1042% | 4,135 |
| Total risk-based capital ratio | 13.1810% | 4,783 |
| Memoranda: | ||
| Average total assets | $54,272,779,330 | 39 |
| Average earning assets | $53,969,880,670 | 38 |
| Average equity | $5,135,885,670 | 43 |
| Average total loans | $43,227,179,330 | 33 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1401% | 6,044 |
| Cost of funding earning assets | 0.0137% | 6,083 |
| Net interest margin | 2.1264% | 5,984 |
| Noninterest income to average assets | 0.1140% | 5,771 |
| Noninterest expense to average assets | 0.3902% | 6,109 |
| Loan and lease loss provision to assets | -0.0074% | 5,883 |
| Net operating income to assets | 1.2053% | 1,535 |
| Return on assets (ROA) | 1.2049% | 1,642 |
| Pretax return on assets | 1.8477% | 773 |
| Return on Equity (ROE) | 12.9158% | 1,054 |
| Retained earnings to average equity (ytd only) | 12.9158% | 400 |
| Net charge-offs to loans | -0.0085% | 4,460 |
| Credit loss provision to net charge-offs | 110.3753% | 1,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.3501% | 6,104 |
| Assets per employee ($millions) | 226.4684% | 8 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0697% | 6,063 |
| Loan loss allowance to noncurrent loans | 1,758.9683% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 5,662 |
| Noncurrent loans to loans | 0.0040% | 5,520 |
| Net loans and leases to total assets | 77.5776% | 1,155 |
| Net loans and leases to deposits | 85.8377% | 2,076 |
| Net loans and leases to core deposits | 85.9809% | 2,750 |
| Total domestic deposits to total assets | 90.3771% | 472 |
| Equity capital to assets | 9.2716% | 4,918 |
| Core capital (leverage) ratio | 9.3957% | 4,351 |
| Tier 1 risk-based capital ratio | 13.0643% | 4,226 |
| Total risk-based capital ratio | 13.1405% | 4,891 |
| Memoranda: | ||
| Average total assets | $54,068,936,000 | 39 |
| Average earning assets | $53,833,826,500 | 38 |
| Average equity | $5,043,850,000 | 43 |
| Average total loans | $42,737,684,500 | 33 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0626% | 6,093 |
| Cost of funding earning assets | 0.0181% | 6,143 |
| Net interest margin | 2.0445% | 6,040 |
| Noninterest income to average assets | 0.1245% | 5,790 |
| Noninterest expense to average assets | 0.4267% | 6,164 |
| Loan and lease loss provision to assets | 0.0184% | 4,038 |
| Net operating income to assets | 1.0415% | 2,167 |
| Return on assets (ROA) | 1.0491% | 2,214 |
| Pretax return on assets | 1.7253% | 945 |
| Return on Equity (ROE) | 10.9917% | 1,616 |
| Retained earnings to average equity (ytd only) | 9.0885% | 635 |
| Net charge-offs to loans | 0.0039% | 4,315 |
| Credit loss provision to net charge-offs | 597.3805% | 568 |
| Earnings coverage of net charge-offs (x) | 561.9332% | 117 |
| Efficiency ratio | 19.6192% | 6,164 |
| Assets per employee ($millions) | 259.3749% | 7 |
| Cash dividends to net income (ytd only)* | 17.3153% | 3,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0710% | 6,115 |
| Loan loss allowance to noncurrent loans | 1,467.6743% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 5,696 |
| Noncurrent loans to loans | 0.0048% | 5,536 |
| Net loans and leases to total assets | 80.4730% | 776 |
| Net loans and leases to deposits | 89.0404% | 1,741 |
| Net loans and leases to core deposits | 89.1969% | 2,476 |
| Total domestic deposits to total assets | 90.3781% | 475 |
| Equity capital to assets | 9.3886% | 4,684 |
| Core capital (leverage) ratio | 9.8119% | 3,752 |
| Tier 1 risk-based capital ratio | 12.8213% | 4,439 |
| Total risk-based capital ratio | 12.8991% | 5,076 |
| Memoranda: | ||
| Average total assets | $49,544,637,800 | 40 |
| Average earning assets | $49,293,489,400 | 39 |
| Average equity | $4,728,748,400 | 42 |
| Average total loans | $39,539,860,600 | 35 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0463% | 6,185 |
| Cost of funding earning assets | 0.0195% | 6,227 |
| Net interest margin | 2.0268% | 6,134 |
| Noninterest income to average assets | 0.1216% | 5,869 |
| Noninterest expense to average assets | 0.4337% | 6,255 |
| Loan and lease loss provision to assets | 0.0214% | 3,845 |
| Net operating income to assets | 1.0121% | 2,413 |
| Return on assets (ROA) | 1.0209% | 2,466 |
| Pretax return on assets | 1.6964% | 1,115 |
| Return on Equity (ROE) | 10.6491% | 1,846 |
| Retained earnings to average equity (ytd only) | 8.0823% | 1,218 |
| Net charge-offs to loans | 0.0036% | 4,054 |
| Credit loss provision to net charge-offs | 740.3974% | 468 |
| Earnings coverage of net charge-offs (x) | 589.7230% | 127 |
| Efficiency ratio | 20.1537% | 6,252 |
| Assets per employee ($millions) | 241.4606% | 7 |
| Cash dividends to net income (ytd only)* | 24.1029% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0713% | 6,202 |
| Loan loss allowance to noncurrent loans | 1,569.7587% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 5,790 |
| Noncurrent loans to loans | 0.0045% | 5,642 |
| Net loans and leases to total assets | 82.0550% | 573 |
| Net loans and leases to deposits | 91.2893% | 1,491 |
| Net loans and leases to core deposits | 91.4795% | 2,317 |
| Total domestic deposits to total assets | 89.8845% | 623 |
| Equity capital to assets | 9.6474% | 4,579 |
| Core capital (leverage) ratio | 9.7772% | 3,927 |
| Tier 1 risk-based capital ratio | 12.7922% | 4,556 |
| Total risk-based capital ratio | 12.8698% | 5,240 |
| Memoranda: | ||
| Average total assets | $48,767,519,500 | 39 |
| Average earning assets | $48,514,119,750 | 38 |
| Average equity | $4,675,088,750 | 41 |
| Average total loans | $38,824,417,500 | 34 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0116% | 6,260 |
| Cost of funding earning assets | 0.0213% | 6,304 |
| Net interest margin | 1.9903% | 6,210 |
| Noninterest income to average assets | 0.1066% | 6,003 |
| Noninterest expense to average assets | 0.4209% | 6,332 |
| Loan and lease loss provision to assets | 0.0274% | 3,585 |
| Net operating income to assets | 0.9873% | 2,453 |
| Return on assets (ROA) | 1.0001% | 2,497 |
| Pretax return on assets | 1.6596% | 1,170 |
| Return on Equity (ROE) | 10.4550% | 1,864 |
| Retained earnings to average equity (ytd only) | 6.5640% | 1,917 |
| Net charge-offs to loans | 0.0035% | 3,778 |
| Credit loss provision to net charge-offs | 988.2090% | 370 |
| Earnings coverage of net charge-offs (x) | 601.6552% | 109 |
| Efficiency ratio | 20.0226% | 6,327 |
| Assets per employee ($millions) | 244.1855% | 7 |
| Cash dividends to net income (ytd only)* | 37.2162% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0706% | 6,275 |
| Loan loss allowance to noncurrent loans | 1,181.8106% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 5,887 |
| Noncurrent loans to loans | 0.0060% | 5,747 |
| Net loans and leases to total assets | 84.1447% | 363 |
| Net loans and leases to deposits | 94.0352% | 1,147 |
| Net loans and leases to core deposits | 94.2407% | 1,934 |
| Total domestic deposits to total assets | 89.4822% | 908 |
| Equity capital to assets | 9.7756% | 4,309 |
| Core capital (leverage) ratio | 9.8003% | 3,865 |
| Tier 1 risk-based capital ratio | 12.7679% | 4,643 |
| Total risk-based capital ratio | 12.8453% | 5,322 |
| Memoranda: | ||
| Average total assets | $48,362,579,000 | 39 |
| Average earning assets | $48,142,597,330 | 37 |
| Average equity | $4,626,121,330 | 43 |
| Average total loans | $38,085,134,670 | 34 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9429% | 6,339 |
| Cost of funding earning assets | 0.0272% | 6,369 |
| Net interest margin | 1.9157% | 6,296 |
| Noninterest income to average assets | 0.0984% | 6,094 |
| Noninterest expense to average assets | 0.4041% | 6,405 |
| Loan and lease loss provision to assets | -0.0009% | 6,064 |
| Net operating income to assets | 0.9540% | 2,480 |
| Return on assets (ROA) | 0.9623% | 2,570 |
| Pretax return on assets | 1.6153% | 1,237 |
| Return on Equity (ROE) | 10.1696% | 1,923 |
| Retained earnings to average equity (ytd only) | 10.1696% | 875 |
| Net charge-offs to loans | 0.0067% | 3,099 |
| Credit loss provision to net charge-offs | -17.1799% | 4,331 |
| Earnings coverage of net charge-offs (x) | 315.4765% | 175 |
| Efficiency ratio | 20.0048% | 6,398 |
| Assets per employee ($millions) | 249.9767% | 8 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0582% | 6,350 |
| Loan loss allowance to noncurrent loans | 932.9336% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 5,945 |
| Noncurrent loans to loans | 0.0062% | 5,786 |
| Net loans and leases to total assets | 76.7807% | 1,086 |
| Net loans and leases to deposits | 85.6125% | 1,885 |
| Net loans and leases to core deposits | 85.7958% | 2,573 |
| Total domestic deposits to total assets | 89.6839% | 913 |
| Equity capital to assets | 9.5785% | 4,662 |
| Core capital (leverage) ratio | 9.6033% | 4,144 |
| Tier 1 risk-based capital ratio | 13.5967% | 4,277 |
| Total risk-based capital ratio | 13.6601% | 4,880 |
| Memoranda: | ||
| Average total assets | $48,613,686,000 | 39 |
| Average earning assets | $48,400,611,000 | 36 |
| Average equity | $4,599,865,000 | 43 |
| Average total loans | $36,977,492,000 | 34 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8869% | 6,431 |
| Cost of funding earning assets | 0.0291% | 6,456 |
| Net interest margin | 1.8578% | 6,394 |
| Noninterest income to average assets | 0.0933% | 6,178 |
| Noninterest expense to average assets | 0.3856% | 6,490 |
| Loan and lease loss provision to assets | 0.0110% | 4,405 |
| Net operating income to assets | 0.9621% | 2,571 |
| Return on assets (ROA) | 0.9638% | 2,648 |
| Pretax return on assets | 1.5495% | 1,386 |
| Return on Equity (ROE) | 10.4138% | 1,949 |
| Retained earnings to average equity (ytd only) | 10.4138% | 456 |
| Net charge-offs to loans | 0.0133% | 4,621 |
| Credit loss provision to net charge-offs | 114.1507% | 2,089 |
| Earnings coverage of net charge-offs (x) | 161.7503% | 334 |
| Efficiency ratio | 19.6863% | 6,493 |
| Assets per employee ($millions) | 297.4350% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0617% | 6,437 |
| Loan loss allowance to noncurrent loans | 669.8512% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 6,053 |
| Noncurrent loans to loans | 0.0092% | 5,887 |
| Net loans and leases to total assets | 75.2520% | 1,374 |
| Net loans and leases to deposits | 83.2772% | 2,300 |
| Net loans and leases to core deposits | 83.4551% | 2,958 |
| Total domestic deposits to total assets | 90.3633% | 590 |
| Equity capital to assets | 9.3451% | 4,917 |
| Core capital (leverage) ratio | 9.6507% | 4,032 |
| Tier 1 risk-based capital ratio | 13.7191% | 4,286 |
| Total risk-based capital ratio | 13.7870% | 4,934 |
| Memoranda: | ||
| Average total assets | $46,151,998,800 | 37 |
| Average earning assets | $45,962,217,600 | 36 |
| Average equity | $4,271,443,800 | 45 |
| Average total loans | $33,454,089,400 | 34 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8699% | 6,511 |
| Cost of funding earning assets | 0.0292% | 6,539 |
| Net interest margin | 1.8407% | 6,477 |
| Noninterest income to average assets | 0.0921% | 6,275 |
| Noninterest expense to average assets | 0.3783% | 6,573 |
| Loan and lease loss provision to assets | 0.0134% | 4,151 |
| Net operating income to assets | 0.9516% | 2,677 |
| Return on assets (ROA) | 0.9518% | 2,759 |
| Pretax return on assets | 1.5337% | 1,530 |
| Return on Equity (ROE) | 10.3103% | 2,065 |
| Retained earnings to average equity (ytd only) | 10.3103% | 629 |
| Net charge-offs to loans | 0.0114% | 4,338 |
| Credit loss provision to net charge-offs | 163.3441% | 1,493 |
| Earnings coverage of net charge-offs (x) | 188.8816% | 340 |
| Efficiency ratio | 19.4926% | 6,574 |
| Assets per employee ($millions) | 292.3009% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0676% | 6,520 |
| Loan loss allowance to noncurrent loans | 670.1899% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 6,171 |
| Noncurrent loans to loans | 0.0101% | 5,994 |
| Net loans and leases to total assets | 75.7314% | 1,257 |
| Net loans and leases to deposits | 84.0668% | 2,140 |
| Net loans and leases to core deposits | 84.2559% | 2,852 |
| Total domestic deposits to total assets | 90.0848% | 695 |
| Equity capital to assets | 9.5114% | 4,783 |
| Core capital (leverage) ratio | 9.6245% | 4,199 |
| Tier 1 risk-based capital ratio | 13.9147% | 4,283 |
| Total risk-based capital ratio | 13.9890% | 4,926 |
| Memoranda: | ||
| Average total assets | $45,569,520,750 | 38 |
| Average earning assets | $45,378,293,500 | 37 |
| Average equity | $4,206,637,750 | 46 |
| Average total loans | $32,691,085,250 | 35 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8331% | 6,584 |
| Cost of funding earning assets | 0.0290% | 6,606 |
| Net interest margin | 1.8041% | 6,553 |
| Noninterest income to average assets | 0.0912% | 6,311 |
| Noninterest expense to average assets | 0.3677% | 6,636 |
| Loan and lease loss provision to assets | 0.0113% | 4,020 |
| Net operating income to assets | 0.9362% | 2,619 |
| Return on assets (ROA) | 0.9362% | 2,723 |
| Pretax return on assets | 1.5089% | 1,509 |
| Return on Equity (ROE) | 10.2474% | 2,036 |
| Retained earnings to average equity (ytd only) | 10.2474% | 667 |
| Net charge-offs to loans | 0.0150% | 3,934 |
| Credit loss provision to net charge-offs | 107.0774% | 1,870 |
| Earnings coverage of net charge-offs (x) | 143.5600% | 426 |
| Efficiency ratio | 19.3146% | 6,641 |
| Assets per employee ($millions) | 286.5145% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0662% | 6,591 |
| Loan loss allowance to noncurrent loans | 626.3636% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 6,233 |
| Noncurrent loans to loans | 0.0106% | 6,056 |
| Net loans and leases to total assets | 73.9902% | 1,446 |
| Net loans and leases to deposits | 82.1622% | 2,233 |
| Net loans and leases to core deposits | 82.3521% | 2,932 |
| Total domestic deposits to total assets | 90.0537% | 779 |
| Equity capital to assets | 9.5338% | 4,709 |
| Core capital (leverage) ratio | 9.5089% | 4,320 |
| Tier 1 risk-based capital ratio | 14.2753% | 4,080 |
| Total risk-based capital ratio | 14.3483% | 4,784 |
| Memoranda: | ||
| Average total assets | $45,364,844,670 | 38 |
| Average earning assets | $45,178,826,000 | 37 |
| Average equity | $4,144,615,330 | 46 |
| Average total loans | $31,921,742,330 | 34 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7830% | 6,661 |
| Cost of funding earning assets | 0.0288% | 6,678 |
| Net interest margin | 1.7542% | 6,634 |
| Noninterest income to average assets | 0.0834% | 6,381 |
| Noninterest expense to average assets | 0.3639% | 6,718 |
| Loan and lease loss provision to assets | 0.0287% | 3,452 |
| Net operating income to assets | 0.8917% | 2,691 |
| Return on assets (ROA) | 0.8917% | 2,759 |
| Pretax return on assets | 1.4378% | 1,613 |
| Return on Equity (ROE) | 9.9742% | 2,052 |
| Retained earnings to average equity (ytd only) | 9.9742% | 972 |
| Net charge-offs to loans | 0.0265% | 3,039 |
| Credit loss provision to net charge-offs | 158.0552% | 1,211 |
| Earnings coverage of net charge-offs (x) | 80.8012% | 534 |
| Efficiency ratio | 19.7152% | 6,711 |
| Assets per employee ($millions) | 325.0656% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0732% | 6,658 |
| Loan loss allowance to noncurrent loans | 2,324.0685% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 6,341 |
| Noncurrent loans to loans | 0.0031% | 6,185 |
| Net loans and leases to total assets | 69.2281% | 2,028 |
| Net loans and leases to deposits | 76.5256% | 2,752 |
| Net loans and leases to core deposits | 76.6996% | 3,340 |
| Total domestic deposits to total assets | 90.4639% | 817 |
| Equity capital to assets | 9.1010% | 5,000 |
| Core capital (leverage) ratio | 9.1928% | 4,727 |
| Tier 1 risk-based capital ratio | 14.7003% | 3,884 |
| Total risk-based capital ratio | 14.7810% | 4,597 |
| Memoranda: | ||
| Average total assets | $45,555,876,000 | 38 |
| Average earning assets | $45,365,890,000 | 37 |
| Average equity | $4,072,639,500 | 47 |
| Average total loans | $31,230,174,500 | 34 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7368% | 6,732 |
| Cost of funding earning assets | 0.0313% | 6,764 |
| Net interest margin | 1.7055% | 6,700 |
| Noninterest income to average assets | 0.0887% | 6,428 |
| Noninterest expense to average assets | 0.3397% | 6,797 |
| Loan and lease loss provision to assets | 0.0699% | 3,726 |
| Net operating income to assets | 0.8560% | 3,001 |
| Return on assets (ROA) | 0.8661% | 3,024 |
| Pretax return on assets | 1.3925% | 1,809 |
| Return on Equity (ROE) | 10.3744% | 1,966 |
| Retained earnings to average equity (ytd only) | 10.3744% | 507 |
| Net charge-offs to loans | 0.1009% | 3,824 |
| Credit loss provision to net charge-offs | 111.9671% | 2,149 |
| Earnings coverage of net charge-offs (x) | 23.1843% | 1,420 |
| Efficiency ratio | 18.8494% | 6,793 |
| Assets per employee ($millions) | 340.3177% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0707% | 6,735 |
| Loan loss allowance to noncurrent loans | 3,759.1065% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 6,453 |
| Noncurrent loans to loans | 0.0019% | 6,310 |
| Net loans and leases to total assets | 67.7818% | 2,396 |
| Net loans and leases to deposits | 74.5505% | 3,186 |
| Net loans and leases to core deposits | 74.7189% | 3,765 |
| Total domestic deposits to total assets | 90.9206% | 605 |
| Equity capital to assets | 8.7791% | 5,280 |
| Core capital (leverage) ratio | 9.2453% | 4,646 |
| Tier 1 risk-based capital ratio | 14.5598% | 3,928 |
| Total risk-based capital ratio | 14.6375% | 4,674 |
| Memoranda: | ||
| Average total assets | $46,243,974,200 | 37 |
| Average earning assets | $46,029,096,800 | 37 |
| Average equity | $3,860,735,000 | 47 |
| Average total loans | $28,585,904,400 | 36 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7093% | 6,818 |
| Cost of funding earning assets | 0.0322% | 6,846 |
| Net interest margin | 1.6771% | 6,789 |
| Noninterest income to average assets | 0.0855% | 6,521 |
| Noninterest expense to average assets | 0.3326% | 6,875 |
| Loan and lease loss provision to assets | 0.0658% | 3,745 |
| Net operating income to assets | 0.8378% | 3,155 |
| Return on assets (ROA) | 0.8506% | 3,208 |
| Pretax return on assets | 1.3765% | 2,010 |
| Return on Equity (ROE) | 10.3194% | 2,060 |
| Retained earnings to average equity (ytd only) | 10.3194% | 727 |
| Net charge-offs to loans | 0.0032% | 5,142 |
| Credit loss provision to net charge-offs | 3,370.8395% | 104 |
| Earnings coverage of net charge-offs (x) | 728.9858% | 72 |
| Efficiency ratio | 18.7848% | 6,873 |
| Assets per employee ($millions) | 351.4394% | 8 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1353% | 6,811 |
| Loan loss allowance to noncurrent loans | 6,290.0929% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 6,535 |
| Noncurrent loans to loans | 0.0022% | 6,394 |
| Net loans and leases to total assets | 69.3834% | 2,069 |
| Net loans and leases to deposits | 76.7139% | 2,858 |
| Net loans and leases to core deposits | 76.8976% | 3,515 |
| Total domestic deposits to total assets | 90.4444% | 767 |
| Equity capital to assets | 9.0301% | 5,155 |
| Core capital (leverage) ratio | 9.2267% | 4,793 |
| Tier 1 risk-based capital ratio | 14.3829% | 4,161 |
| Total risk-based capital ratio | 14.5302% | 4,857 |
| Memoranda: | ||
| Average total assets | $46,404,326,000 | 37 |
| Average earning assets | $46,187,577,750 | 37 |
| Average equity | $3,825,044,750 | 48 |
| Average total loans | $27,999,348,000 | 36 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6115% | 6,871 |
| Cost of funding earning assets | 0.0336% | 6,896 |
| Net interest margin | 1.5780% | 6,845 |
| Noninterest income to average assets | 0.0807% | 6,584 |
| Noninterest expense to average assets | 0.3113% | 6,929 |
| Loan and lease loss provision to assets | 0.0072% | 4,704 |
| Net operating income to assets | 0.8182% | 3,206 |
| Return on assets (ROA) | 0.9549% | 2,690 |
| Pretax return on assets | 1.5461% | 1,494 |
| Return on Equity (ROE) | 11.9305% | 1,516 |
| Retained earnings to average equity (ytd only) | 11.9305% | 507 |
| Net charge-offs to loans | 0.0023% | 4,879 |
| Credit loss provision to net charge-offs | 556.4935% | 511 |
| Earnings coverage of net charge-offs (x) | 1,032.3247% | 29 |
| Efficiency ratio | 18.6809% | 6,918 |
| Assets per employee ($millions) | 434.5094% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0685% | 6,868 |
| Loan loss allowance to noncurrent loans | 3,389.9145% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 6,593 |
| Noncurrent loans to loans | 0.0020% | 6,458 |
| Net loans and leases to total assets | 60.5363% | 3,572 |
| Net loans and leases to deposits | 66.6915% | 4,186 |
| Net loans and leases to core deposits | 66.8539% | 4,608 |
| Total domestic deposits to total assets | 90.7706% | 637 |
| Equity capital to assets | 7.9646% | 6,222 |
| Core capital (leverage) ratio | 8.3201% | 5,862 |
| Tier 1 risk-based capital ratio | 14.4767% | 4,116 |
| Total risk-based capital ratio | 14.5503% | 4,859 |
| Memoranda: | ||
| Average total assets | $47,463,420,000 | 37 |
| Average earning assets | $47,236,441,330 | 37 |
| Average equity | $3,798,915,000 | 48 |
| Average total loans | $27,321,455,670 | 37 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5968% | 6,956 |
| Cost of funding earning assets | 0.0354% | 6,975 |
| Net interest margin | 1.5614% | 6,929 |
| Noninterest income to average assets | 0.0744% | 6,662 |
| Noninterest expense to average assets | 0.2997% | 7,007 |
| Loan and lease loss provision to assets | -0.0029% | 6,721 |
| Net operating income to assets | 0.8142% | 3,083 |
| Return on assets (ROA) | 1.0415% | 2,175 |
| Pretax return on assets | 1.6872% | 1,108 |
| Return on Equity (ROE) | 12.9801% | 1,177 |
| Retained earnings to average equity (ytd only) | 12.9801% | 564 |
| Net charge-offs to loans | 0.0005% | 4,143 |
| Credit loss provision to net charge-offs | -1,023.5294% | 5,635 |
| Earnings coverage of net charge-offs (x) | 4,622.5588% | 1 |
| Efficiency ratio | 18.2224% | 6,999 |
| Assets per employee ($millions) | 437.9081% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0673% | 6,951 |
| Loan loss allowance to noncurrent loans | 4,063.7387% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 6,660 |
| Noncurrent loans to loans | 0.0017% | 6,530 |
| Net loans and leases to total assets | 57.1837% | 3,888 |
| Net loans and leases to deposits | 63.2406% | 4,388 |
| Net loans and leases to core deposits | 63.3983% | 4,801 |
| Total domestic deposits to total assets | 90.4224% | 808 |
| Equity capital to assets | 8.1702% | 6,278 |
| Core capital (leverage) ratio | 8.0746% | 6,078 |
| Tier 1 risk-based capital ratio | 15.2340% | 3,687 |
| Total risk-based capital ratio | 15.3065% | 4,423 |
| Memoranda: | ||
| Average total assets | $47,297,112,000 | 37 |
| Average earning assets | $47,088,858,500 | 37 |
| Average equity | $3,794,998,000 | 48 |
| Average total loans | $26,505,292,500 | 38 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8940% | 6,997 |
| Cost of funding earning assets | 0.0486% | 7,037 |
| Net interest margin | 1.8454% | 6,953 |
| Noninterest income to average assets | 0.0877% | 6,554 |
| Noninterest expense to average assets | 0.3316% | 7,056 |
| Loan and lease loss provision to assets | 0.0074% | 5,829 |
| Net operating income to assets | 0.9673% | 2,472 |
| Return on assets (ROA) | 1.3391% | 1,341 |
| Pretax return on assets | 2.1660% | 442 |
| Return on Equity (ROE) | 15.3192% | 758 |
| Retained earnings to average equity (ytd only) | 15.3192% | 143 |
| Net charge-offs to loans | -0.0040% | 6,368 |
| Credit loss provision to net charge-offs | -319.0939% | 6,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.0551% | 7,057 |
| Assets per employee ($millions) | 487.1230% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0703% | 6,996 |
| Loan loss allowance to noncurrent loans | 2,697.6574% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 6,718 |
| Noncurrent loans to loans | 0.0026% | 6,587 |
| Net loans and leases to total assets | 54.8410% | 4,481 |
| Net loans and leases to deposits | 59.8908% | 5,038 |
| Net loans and leases to core deposits | 60.0459% | 5,358 |
| Total domestic deposits to total assets | 91.5684% | 322 |
| Equity capital to assets | 7.8800% | 6,466 |
| Core capital (leverage) ratio | 8.3776% | 5,785 |
| Tier 1 risk-based capital ratio | 14.8963% | 3,778 |
| Total risk-based capital ratio | 14.9711% | 4,536 |
| Memoranda: | ||
| Average total assets | $40,177,669,000 | 41 |
| Average earning assets | $39,977,408,200 | 39 |
| Average equity | $3,511,977,800 | 48 |
| Average total loans | $23,443,339,000 | 38 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9616% | 7,108 |
| Cost of funding earning assets | 0.0519% | 7,144 |
| Net interest margin | 1.9096% | 7,062 |
| Noninterest income to average assets | 0.0903% | 6,651 |
| Noninterest expense to average assets | 0.3373% | 7,167 |
| Loan and lease loss provision to assets | 0.0036% | 5,757 |
| Net operating income to assets | 1.0057% | 2,471 |
| Return on assets (ROA) | 1.4081% | 1,325 |
| Pretax return on assets | 2.2783% | 419 |
| Return on Equity (ROE) | 15.6294% | 796 |
| Retained earnings to average equity (ytd only) | 15.6294% | 206 |
| Net charge-offs to loans | -0.0081% | 6,329 |
| Credit loss provision to net charge-offs | -75.6522% | 6,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.7654% | 7,159 |
| Assets per employee ($millions) | 446.2277% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0692% | 7,106 |
| Loan loss allowance to noncurrent loans | 2,780.9836% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 6,818 |
| Noncurrent loans to loans | 0.0025% | 6,687 |
| Net loans and leases to total assets | 58.3986% | 4,065 |
| Net loans and leases to deposits | 64.5710% | 4,649 |
| Net loans and leases to core deposits | 64.7638% | 5,075 |
| Total domestic deposits to total assets | 90.4408% | 616 |
| Equity capital to assets | 8.8005% | 6,015 |
| Core capital (leverage) ratio | 8.6377% | 5,568 |
| Tier 1 risk-based capital ratio | 15.1111% | 3,763 |
| Total risk-based capital ratio | 15.1835% | 4,535 |
| Memoranda: | ||
| Average total assets | $38,287,573,250 | 42 |
| Average earning assets | $38,095,747,750 | 40 |
| Average equity | $3,449,532,750 | 49 |
| Average total loans | $22,754,557,250 | 39 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0020% | 7,177 |
| Cost of funding earning assets | 0.0542% | 7,207 |
| Net interest margin | 1.9478% | 7,119 |
| Noninterest income to average assets | 0.0907% | 6,713 |
| Noninterest expense to average assets | 0.3399% | 7,230 |
| Loan and lease loss provision to assets | 0.0133% | 5,496 |
| Net operating income to assets | 1.0216% | 2,378 |
| Return on assets (ROA) | 1.4119% | 1,305 |
| Pretax return on assets | 2.2849% | 427 |
| Return on Equity (ROE) | 15.5350% | 848 |
| Retained earnings to average equity (ytd only) | 15.5350% | 251 |
| Net charge-offs to loans | 0.0096% | 5,330 |
| Credit loss provision to net charge-offs | 232.7668% | 1,222 |
| Earnings coverage of net charge-offs (x) | 295.4995% | 146 |
| Efficiency ratio | 16.5757% | 7,221 |
| Assets per employee ($millions) | 433.2295% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0680% | 7,177 |
| Loan loss allowance to noncurrent loans | 3,708.3721% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 6,873 |
| Noncurrent loans to loans | 0.0018% | 6,728 |
| Net loans and leases to total assets | 56.9632% | 4,336 |
| Net loans and leases to deposits | 65.9183% | 4,516 |
| Net loans and leases to core deposits | 66.1282% | 4,989 |
| Total domestic deposits to total assets | 86.4149% | 3,128 |
| Equity capital to assets | 8.5098% | 6,204 |
| Core capital (leverage) ratio | 9.1427% | 4,699 |
| Tier 1 risk-based capital ratio | 15.0239% | 3,758 |
| Total risk-based capital ratio | 15.0945% | 4,538 |
| Memoranda: | ||
| Average total assets | $37,068,297,670 | 42 |
| Average earning assets | $36,875,620,670 | 40 |
| Average equity | $3,368,907,330 | 49 |
| Average total loans | $22,168,586,000 | 39 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1127% | 7,230 |
| Cost of funding earning assets | 0.0554% | 7,271 |
| Net interest margin | 2.0574% | 7,149 |
| Noninterest income to average assets | 0.0959% | 6,764 |
| Noninterest expense to average assets | 0.3497% | 7,293 |
| Loan and lease loss provision to assets | 0.0081% | 5,182 |
| Net operating income to assets | 1.0903% | 2,138 |
| Return on assets (ROA) | 1.3877% | 1,393 |
| Pretax return on assets | 2.2487% | 493 |
| Return on Equity (ROE) | 14.7189% | 1,032 |
| Retained earnings to average equity (ytd only) | 14.7189% | 480 |
| Net charge-offs to loans | 0.0141% | 4,498 |
| Credit loss provision to net charge-offs | 93.0263% | 2,493 |
| Earnings coverage of net charge-offs (x) | 206.4684% | 174 |
| Efficiency ratio | 16.1459% | 7,283 |
| Assets per employee ($millions) | 365.0211% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0664% | 7,229 |
| Loan loss allowance to noncurrent loans | 2,938.5396% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 6,961 |
| Noncurrent loans to loans | 0.0023% | 6,805 |
| Net loans and leases to total assets | 60.9154% | 3,463 |
| Net loans and leases to deposits | 70.6395% | 3,631 |
| Net loans and leases to core deposits | 70.8989% | 4,310 |
| Total domestic deposits to total assets | 86.2343% | 3,394 |
| Equity capital to assets | 9.3782% | 4,993 |
| Core capital (leverage) ratio | 9.5470% | 3,987 |
| Tier 1 risk-based capital ratio | 15.3960% | 3,501 |
| Total risk-based capital ratio | 15.4645% | 4,281 |
| Memoranda: | ||
| Average total assets | $35,024,045,500 | 43 |
| Average earning assets | $34,828,911,500 | 41 |
| Average equity | $3,302,173,500 | 50 |
| Average total loans | $21,522,792,500 | 39 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0158% | 7,284 |
| Cost of funding earning assets | 0.0914% | 7,309 |
| Net interest margin | 1.9245% | 7,235 |
| Noninterest income to average assets | 0.0854% | 6,699 |
| Noninterest expense to average assets | 0.3727% | 7,338 |
| Loan and lease loss provision to assets | 0.0199% | 6,323 |
| Net operating income to assets | 0.9862% | 2,252 |
| Return on assets (ROA) | 1.1761% | 1,696 |
| Pretax return on assets | 1.9019% | 658 |
| Return on Equity (ROE) | 12.5416% | 1,270 |
| Retained earnings to average equity (ytd only) | 12.5416% | 260 |
| Net charge-offs to loans | 0.0218% | 6,140 |
| Credit loss provision to net charge-offs | 150.7750% | 1,867 |
| Earnings coverage of net charge-offs (x) | 122.9072% | 265 |
| Efficiency ratio | 18.4782% | 7,335 |
| Assets per employee ($millions) | 380.8447% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0685% | 7,283 |
| Loan loss allowance to noncurrent loans | 1,236.3946% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 7,000 |
| Noncurrent loans to loans | 0.0055% | 6,855 |
| Net loans and leases to total assets | 61.9262% | 3,614 |
| Net loans and leases to deposits | 69.8097% | 4,136 |
| Net loans and leases to core deposits | 70.0699% | 4,769 |
| Total domestic deposits to total assets | 88.7071% | 1,714 |
| Equity capital to assets | 9.4806% | 4,914 |
| Core capital (leverage) ratio | 9.5762% | 3,908 |
| Tier 1 risk-based capital ratio | 15.0526% | 3,607 |
| Total risk-based capital ratio | 15.1224% | 4,378 |
| Memoranda: | ||
| Average total assets | $32,205,139,600 | 43 |
| Average earning assets | $32,001,915,800 | 42 |
| Average equity | $3,020,092,200 | 52 |
| Average total loans | $19,554,836,200 | 40 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9870% | 7,369 |
| Cost of funding earning assets | 0.1030% | 7,383 |
| Net interest margin | 1.8840% | 7,324 |
| Noninterest income to average assets | 0.0794% | 6,844 |
| Noninterest expense to average assets | 0.3606% | 7,417 |
| Loan and lease loss provision to assets | 0.0126% | 6,276 |
| Net operating income to assets | 0.9619% | 2,477 |
| Return on assets (ROA) | 1.1696% | 1,863 |
| Pretax return on assets | 1.9025% | 776 |
| Return on Equity (ROE) | 12.5091% | 1,411 |
| Retained earnings to average equity (ytd only) | 12.5091% | 434 |
| Net charge-offs to loans | 0.0048% | 6,122 |
| Credit loss provision to net charge-offs | 440.6158% | 633 |
| Earnings coverage of net charge-offs (x) | 554.3288% | 68 |
| Efficiency ratio | 18.3081% | 7,410 |
| Assets per employee ($millions) | 382.2371% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0718% | 7,361 |
| Loan loss allowance to noncurrent loans | 382.2413% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 7,037 |
| Noncurrent loans to loans | 0.0188% | 6,897 |
| Net loans and leases to total assets | 60.8451% | 3,977 |
| Net loans and leases to deposits | 71.8952% | 4,006 |
| Net loans and leases to core deposits | 72.1818% | 4,691 |
| Total domestic deposits to total assets | 84.6302% | 3,949 |
| Equity capital to assets | 9.3273% | 5,338 |
| Core capital (leverage) ratio | 9.5838% | 4,019 |
| Tier 1 risk-based capital ratio | 14.9013% | 3,719 |
| Total risk-based capital ratio | 14.9735% | 4,520 |
| Memoranda: | ||
| Average total assets | $31,687,418,750 | 43 |
| Average earning assets | $31,484,601,250 | 42 |
| Average equity | $2,962,725,750 | 52 |
| Average total loans | $19,133,449,500 | 41 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9219% | 7,452 |
| Cost of funding earning assets | 0.1098% | 7,454 |
| Net interest margin | 1.8121% | 7,406 |
| Noninterest income to average assets | 0.0703% | 6,959 |
| Noninterest expense to average assets | 0.3582% | 7,495 |
| Loan and lease loss provision to assets | 0.0266% | 5,970 |
| Net operating income to assets | 0.9086% | 2,606 |
| Return on assets (ROA) | 1.0643% | 2,077 |
| Pretax return on assets | 1.7290% | 990 |
| Return on Equity (ROE) | 11.3735% | 1,679 |
| Retained earnings to average equity (ytd only) | 11.3735% | 610 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.9898% | 7,480 |
| Assets per employee ($millions) | 357.5593% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0831% | 7,427 |
| Loan loss allowance to noncurrent loans | 431.7635% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 7,090 |
| Noncurrent loans to loans | 0.0193% | 6,950 |
| Net loans and leases to total assets | 63.0361% | 3,671 |
| Net loans and leases to deposits | 71.9915% | 4,115 |
| Net loans and leases to core deposits | 72.3143% | 4,776 |
| Total domestic deposits to total assets | 87.5605% | 2,434 |
| Equity capital to assets | 9.5732% | 4,702 |
| Core capital (leverage) ratio | 9.4706% | 3,996 |
| Tier 1 risk-based capital ratio | 14.8132% | 3,606 |
| Total risk-based capital ratio | 14.8969% | 4,398 |
| Memoranda: | ||
| Average total assets | $31,037,602,670 | 45 |
| Average earning assets | $30,833,356,670 | 44 |
| Average equity | $2,904,499,330 | 55 |
| Average total loans | $18,684,237,330 | 44 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8556% | 7,514 |
| Cost of funding earning assets | 0.1096% | 7,521 |
| Net interest margin | 1.7460% | 7,465 |
| Noninterest income to average assets | 0.0354% | 7,198 |
| Noninterest expense to average assets | 0.3374% | 7,558 |
| Loan and lease loss provision to assets | 0.0124% | 5,757 |
| Net operating income to assets | 0.8731% | 2,690 |
| Return on assets (ROA) | 0.9382% | 2,474 |
| Pretax return on assets | 1.5218% | 1,384 |
| Return on Equity (ROE) | 10.1449% | 2,049 |
| Retained earnings to average equity (ytd only) | 10.1449% | 1,091 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.9875% | 7,537 |
| Assets per employee ($millions) | 559.9037% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0718% | 7,483 |
| Loan loss allowance to noncurrent loans | 388.4907% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 7,169 |
| Noncurrent loans to loans | 0.0185% | 7,019 |
| Net loans and leases to total assets | 60.2166% | 4,224 |
| Net loans and leases to deposits | 67.2616% | 4,790 |
| Net loans and leases to core deposits | 67.5630% | 5,344 |
| Total domestic deposits to total assets | 89.5261% | 1,471 |
| Equity capital to assets | 9.3292% | 4,679 |
| Core capital (leverage) ratio | 9.1808% | 4,321 |
| Tier 1 risk-based capital ratio | 15.2511% | 3,286 |
| Total risk-based capital ratio | 15.3231% | 4,002 |
| Memoranda: | ||
| Average total assets | $30,823,796,500 | 45 |
| Average earning assets | $30,618,474,000 | 44 |
| Average equity | $2,850,642,000 | 54 |
| Average total loans | $18,100,886,500 | 46 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7478% | 7,576 |
| Cost of funding earning assets | 0.1042% | 7,584 |
| Net interest margin | 1.6436% | 7,530 |
| Noninterest income to average assets | -0.0087% | 7,306 |
| Noninterest expense to average assets | 0.3056% | 7,628 |
| Loan and lease loss provision to assets | 0.0000% | 7,041 |
| Net operating income to assets | 0.7995% | 2,805 |
| Return on assets (ROA) | 0.8088% | 2,893 |
| Pretax return on assets | 1.3287% | 1,862 |
| Return on Equity (ROE) | 9.0051% | 2,287 |
| Retained earnings to average equity (ytd only) | 9.0051% | 697 |
| Net charge-offs to loans | -0.0008% | 7,227 |
| Credit loss provision to net charge-offs | -3.1250% | 6,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.8665% | 7,625 |
| Assets per employee ($millions) | 571.3498% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0702% | 7,561 |
| Loan loss allowance to noncurrent loans | 360.6935% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 7,223 |
| Noncurrent loans to loans | 0.0195% | 7,097 |
| Net loans and leases to total assets | 57.1503% | 5,155 |
| Net loans and leases to deposits | 63.3255% | 5,706 |
| Net loans and leases to core deposits | 63.5698% | 6,092 |
| Total domestic deposits to total assets | 90.2485% | 954 |
| Equity capital to assets | 9.1673% | 4,887 |
| Core capital (leverage) ratio | 9.1755% | 4,218 |
| Tier 1 risk-based capital ratio | 15.2795% | 3,112 |
| Total risk-based capital ratio | 15.3481% | 3,771 |
| Memoranda: | ||
| Average total assets | $29,767,556,200 | 47 |
| Average earning assets | $29,494,728,400 | 46 |
| Average equity | $2,673,510,400 | 55 |
| Average total loans | $16,286,880,400 | 48 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7072% | 7,704 |
| Cost of funding earning assets | 0.1030% | 7,703 |
| Net interest margin | 1.6042% | 7,657 |
| Noninterest income to average assets | -0.0133% | 7,466 |
| Noninterest expense to average assets | 0.3029% | 7,745 |
| Loan and lease loss provision to assets | 0.0083% | 6,939 |
| Net operating income to assets | 0.7775% | 3,099 |
| Return on assets (ROA) | 0.7832% | 3,235 |
| Pretax return on assets | 1.2730% | 2,253 |
| Return on Equity (ROE) | 8.7684% | 2,577 |
| Retained earnings to average equity (ytd only) | 8.7684% | 1,130 |
| Net charge-offs to loans | -0.0004% | 7,165 |
| Credit loss provision to net charge-offs | -3,466.0377% | 7,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.2294% | 7,730 |
| Assets per employee ($millions) | 569.5085% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0850% | 7,672 |
| Loan loss allowance to noncurrent loans | 412.2776% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 7,338 |
| Noncurrent loans to loans | 0.0206% | 7,213 |
| Net loans and leases to total assets | 56.1199% | 5,535 |
| Net loans and leases to deposits | 62.4965% | 6,063 |
| Net loans and leases to core deposits | 62.6969% | 6,398 |
| Total domestic deposits to total assets | 89.7967% | 968 |
| Equity capital to assets | 9.4498% | 4,919 |
| Core capital (leverage) ratio | 9.1115% | 4,513 |
| Tier 1 risk-based capital ratio | 15.7139% | 2,901 |
| Total risk-based capital ratio | 15.7965% | 3,453 |
| Memoranda: | ||
| Average total assets | $29,496,223,500 | 47 |
| Average earning assets | $29,207,256,500 | 46 |
| Average equity | $2,634,792,250 | 55 |
| Average total loans | $15,947,373,500 | 49 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6491% | 7,783 |
| Cost of funding earning assets | 0.1012% | 7,777 |
| Net interest margin | 1.5479% | 7,737 |
| Noninterest income to average assets | -0.0195% | 7,564 |
| Noninterest expense to average assets | 0.3057% | 7,813 |
| Loan and lease loss provision to assets | 0.0086% | 6,810 |
| Net operating income to assets | 0.7382% | 3,247 |
| Return on assets (ROA) | 0.7462% | 3,361 |
| Pretax return on assets | 1.2108% | 2,381 |
| Return on Equity (ROE) | 8.5186% | 2,658 |
| Retained earnings to average equity (ytd only) | 8.5186% | 1,258 |
| Net charge-offs to loans | -0.0001% | 7,058 |
| Credit loss provision to net charge-offs | -15,750.0000% | 7,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.2119% | 7,793 |
| Assets per employee ($millions) | 557.2790% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0837% | 7,741 |
| Loan loss allowance to noncurrent loans | 395.6382% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 7,383 |
| Noncurrent loans to loans | 0.0212% | 7,272 |
| Net loans and leases to total assets | 55.6833% | 5,753 |
| Net loans and leases to deposits | 61.9712% | 6,238 |
| Net loans and leases to core deposits | 62.1143% | 6,539 |
| Total domestic deposits to total assets | 89.8535% | 992 |
| Equity capital to assets | 9.2783% | 5,033 |
| Core capital (leverage) ratio | 9.0150% | 4,578 |
| Tier 1 risk-based capital ratio | 15.9127% | 2,715 |
| Total risk-based capital ratio | 15.9946% | 3,274 |
| Memoranda: | ||
| Average total assets | $29,456,817,000 | 47 |
| Average earning assets | $29,158,257,330 | 46 |
| Average equity | $2,580,222,000 | 55 |
| Average total loans | $15,718,592,000 | 48 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4756% | 7,892 |
| Cost of funding earning assets | 0.1004% | 7,880 |
| Net interest margin | 1.3752% | 7,848 |
| Noninterest income to average assets | -0.0194% | 7,698 |
| Noninterest expense to average assets | 0.3018% | 7,918 |
| Loan and lease loss provision to assets | 0.0099% | 6,506 |
| Net operating income to assets | 0.6356% | 3,726 |
| Return on assets (ROA) | 0.6400% | 3,832 |
| Pretax return on assets | 1.0376% | 2,943 |
| Return on Equity (ROE) | 7.5245% | 3,101 |
| Retained earnings to average equity (ytd only) | 7.5245% | 1,912 |
| Net charge-offs to loans | -0.0002% | 6,753 |
| Credit loss provision to net charge-offs | -8,188.8889% | 6,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.4796% | 7,894 |
| Assets per employee ($millions) | 586.8466% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0820% | 7,845 |
| Loan loss allowance to noncurrent loans | 381.6980% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 7,468 |
| Noncurrent loans to loans | 0.0215% | 7,360 |
| Net loans and leases to total assets | 53.9263% | 6,034 |
| Net loans and leases to deposits | 60.2381% | 6,442 |
| Net loans and leases to core deposits | 60.2381% | 6,725 |
| Total domestic deposits to total assets | 89.5218% | 1,234 |
| Equity capital to assets | 8.6984% | 5,731 |
| Core capital (leverage) ratio | 8.5286% | 5,325 |
| Tier 1 risk-based capital ratio | 16.0583% | 2,633 |
| Total risk-based capital ratio | 16.1397% | 3,123 |
| Memoranda: | ||
| Average total assets | $29,695,972,000 | 46 |
| Average earning assets | $29,405,655,500 | 45 |
| Average equity | $2,525,981,500 | 56 |
| Average total loans | $15,503,039,500 | 47 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2018% | 7,962 |
| Cost of funding earning assets | 0.1166% | 7,959 |
| Net interest margin | 1.0852% | 7,921 |
| Noninterest income to average assets | 0.3233% | 5,771 |
| Noninterest expense to average assets | 0.3620% | 7,993 |
| Loan and lease loss provision to assets | 0.0038% | 7,412 |
| Net operating income to assets | 0.6350% | 3,196 |
| Return on assets (ROA) | 0.6350% | 3,253 |
| Pretax return on assets | 1.0286% | 2,497 |
| Return on Equity (ROE) | 8.6879% | 2,127 |
| Retained earnings to average equity (ytd only) | 8.6879% | 543 |
| Net charge-offs to loans | 0.0047% | 7,180 |
| Credit loss provision to net charge-offs | 188.1356% | 2,146 |
| Earnings coverage of net charge-offs (x) | 508.6117% | 51 |
| Efficiency ratio | 25.9628% | 7,956 |
| Assets per employee ($millions) | 653.2525% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0807% | 7,919 |
| Loan loss allowance to noncurrent loans | 361.3750% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 7,503 |
| Noncurrent loans to loans | 0.0223% | 7,382 |
| Net loans and leases to total assets | 50.4420% | 6,586 |
| Net loans and leases to deposits | 55.6842% | 6,937 |
| Net loans and leases to core deposits | 55.6842% | 7,415 |
| Total domestic deposits to total assets | 90.5858% | 705 |
| Equity capital to assets | 8.3184% | 6,177 |
| Core capital (leverage) ratio | 8.0038% | 6,186 |
| Tier 1 risk-based capital ratio | 15.7811% | 2,609 |
| Total risk-based capital ratio | 15.8580% | 3,100 |
| Memoranda: | ||
| Average total assets | $31,973,101,000 | 46 |
| Average earning assets | $31,556,766,400 | 44 |
| Average equity | $2,336,894,000 | 56 |
| Average total loans | $13,917,202,600 | 57 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2042% | 8,058 |
| Cost of funding earning assets | 0.1224% | 8,049 |
| Net interest margin | 1.0818% | 8,011 |
| Noninterest income to average assets | 0.3211% | 5,909 |
| Noninterest expense to average assets | 0.3885% | 8,082 |
| Loan and lease loss provision to assets | 0.0020% | 7,280 |
| Net operating income to assets | 0.6150% | 3,558 |
| Return on assets (ROA) | 0.6150% | 3,607 |
| Pretax return on assets | 0.9974% | 2,916 |
| Return on Equity (ROE) | 8.6926% | 2,377 |
| Retained earnings to average equity (ytd only) | 8.6926% | 923 |
| Net charge-offs to loans | 0.0066% | 6,868 |
| Credit loss provision to net charge-offs | 72.2714% | 5,940 |
| Earnings coverage of net charge-offs (x) | 358.7910% | 105 |
| Efficiency ratio | 27.9935% | 8,022 |
| Assets per employee ($millions) | 668.8681% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0804% | 8,010 |
| Loan loss allowance to noncurrent loans | 339.7516% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 7,568 |
| Noncurrent loans to loans | 0.0237% | 7,462 |
| Net loans and leases to total assets | 45.4067% | 7,149 |
| Net loans and leases to deposits | 51.1687% | 7,351 |
| Net loans and leases to core deposits | 51.1687% | 7,659 |
| Total domestic deposits to total assets | 88.7393% | 1,321 |
| Equity capital to assets | 7.8419% | 6,997 |
| Core capital (leverage) ratio | 7.5051% | 6,962 |
| Tier 1 risk-based capital ratio | 15.7403% | 2,721 |
| Total risk-based capital ratio | 15.8137% | 3,188 |
| Memoranda: | ||
| Average total assets | $32,453,972,750 | 46 |
| Average earning assets | $32,001,685,750 | 44 |
| Average equity | $2,296,207,000 | 58 |
| Average total loans | $13,604,037,250 | 61 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2431% | 8,149 |
| Cost of funding earning assets | 0.1337% | 8,140 |
| Net interest margin | 1.1094% | 8,086 |
| Noninterest income to average assets | 0.2270% | 6,662 |
| Noninterest expense to average assets | 0.4243% | 8,175 |
| Loan and lease loss provision to assets | 0.0018% | 7,151 |
| Net operating income to assets | 0.5516% | 3,874 |
| Return on assets (ROA) | 0.5516% | 3,996 |
| Pretax return on assets | 0.8943% | 3,361 |
| Return on Equity (ROE) | 8.0750% | 2,740 |
| Retained earnings to average equity (ytd only) | 8.0750% | 1,186 |
| Net charge-offs to loans | 0.0103% | 6,422 |
| Credit loss provision to net charge-offs | 42.1283% | 5,870 |
| Earnings coverage of net charge-offs (x) | 214.1706% | 196 |
| Efficiency ratio | 32.1372% | 8,096 |
| Assets per employee ($millions) | 788.9684% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0805% | 8,102 |
| Loan loss allowance to noncurrent loans | 334.6588% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 7,616 |
| Noncurrent loans to loans | 0.0241% | 7,483 |
| Net loans and leases to total assets | 41.2431% | 7,492 |
| Net loans and leases to deposits | 47.0966% | 7,592 |
| Net loans and leases to core deposits | 47.0966% | 7,817 |
| Total domestic deposits to total assets | 87.5711% | 1,986 |
| Equity capital to assets | 7.0868% | 7,557 |
| Core capital (leverage) ratio | 7.0293% | 7,516 |
| Tier 1 risk-based capital ratio | 15.4793% | 2,818 |
| Total risk-based capital ratio | 15.5520% | 3,286 |
| Memoranda: | ||
| Average total assets | $32,793,029,670 | 48 |
| Average earning assets | $32,318,367,670 | 46 |
| Average equity | $2,239,863,000 | 60 |
| Average total loans | $13,376,746,330 | 64 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3967% | 8,205 |
| Cost of funding earning assets | 0.1634% | 8,190 |
| Net interest margin | 1.2334% | 8,124 |
| Noninterest income to average assets | 0.0280% | 7,941 |
| Noninterest expense to average assets | 0.3106% | 8,230 |
| Loan and lease loss provision to assets | -0.0052% | 8,170 |
| Net operating income to assets | 0.5782% | 4,110 |
| Return on assets (ROA) | 0.5782% | 4,306 |
| Pretax return on assets | 0.9377% | 3,576 |
| Return on Equity (ROE) | 8.6356% | 2,869 |
| Retained earnings to average equity (ytd only) | 8.6356% | 1,587 |
| Net charge-offs to loans | -0.0007% | 7,096 |
| Credit loss provision to net charge-offs | 1,895.4545% | 337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.9845% | 8,169 |
| Assets per employee ($millions) | 808.5350% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0856% | 8,156 |
| Loan loss allowance to noncurrent loans | 1,693.6937% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 7,665 |
| Noncurrent loans to loans | 0.0051% | 7,564 |
| Net loans and leases to total assets | 38.7753% | 7,628 |
| Net loans and leases to deposits | 42.3210% | 7,774 |
| Net loans and leases to core deposits | 42.3210% | 7,935 |
| Total domestic deposits to total assets | 91.6218% | 246 |
| Equity capital to assets | 6.4252% | 7,897 |
| Core capital (leverage) ratio | 6.6122% | 7,831 |
| Tier 1 risk-based capital ratio | 15.1757% | 2,984 |
| Total risk-based capital ratio | 15.2543% | 3,507 |
| Memoranda: | ||
| Average total assets | $32,226,724,000 | 51 |
| Average earning assets | $31,749,454,000 | 47 |
| Average equity | $2,157,675,000 | 62 |
| Average total loans | $13,063,494,000 | 65 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4406% | 8,145 |
| Cost of funding earning assets | 1.4355% | 7,700 |
| Net interest margin | 2.0051% | 8,061 |
| Noninterest income to average assets | -0.2619% | 8,235 |
| Noninterest expense to average assets | 0.2545% | 8,280 |
| Loan and lease loss provision to assets | 0.0248% | 7,091 |
| Net operating income to assets | 0.9196% | 2,921 |
| Return on assets (ROA) | 0.9196% | 2,768 |
| Pretax return on assets | 1.4352% | 1,859 |
| Return on Equity (ROE) | 12.3990% | 1,480 |
| Retained earnings to average equity (ytd only) | -2.3614% | 5,971 |
| Net charge-offs to loans | 0.0131% | 6,729 |
| Credit loss provision to net charge-offs | 414.9847% | 1,051 |
| Earnings coverage of net charge-offs (x) | 244.7076% | 200 |
| Efficiency ratio | 14.8427% | 8,273 |
| Assets per employee ($millions) | 726.0709% | 9 |
| Cash dividends to net income (ytd only)* | 119.0448% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0902% | 8,213 |
| Loan loss allowance to noncurrent loans | 4,507.7220% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 7,667 |
| Noncurrent loans to loans | 0.0020% | 7,558 |
| Net loans and leases to total assets | 42.4219% | 7,561 |
| Net loans and leases to deposits | 46.6458% | 7,765 |
| Net loans and leases to core deposits | 46.6458% | 7,952 |
| Total domestic deposits to total assets | 90.9446% | 347 |
| Equity capital to assets | 6.9961% | 7,745 |
| Core capital (leverage) ratio | 7.5767% | 7,111 |
| Tier 1 risk-based capital ratio | 14.9406% | 3,074 |
| Total risk-based capital ratio | 15.0224% | 3,577 |
| Memoranda: | ||
| Average total assets | $27,404,134,600 | 55 |
| Average earning assets | $27,011,753,200 | 53 |
| Average equity | $2,032,467,800 | 63 |
| Average total loans | $12,492,371,000 | 69 |