Home > Washington Federal Bank > Performance and Condition Ratios
Washington Federal Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3243% | 1,448 |
| Cost of funding earning assets | 2.1145% | 753 |
| Net interest margin | 3.2097% | 2,853 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 1.6794% | 4,159 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.0696% | 2,013 |
| Return on assets (ROA) | 1.0700% | 1,980 |
| Pretax return on assets | 1.3342% | 1,784 |
| Return on Equity (ROE) | 10.4900% | 2,364 |
| Retained earnings to average equity (ytd only) | 9.6075% | 1,114 |
| Net charge-offs to loans | 0.2595% | 410 |
| Credit loss provision to net charge-offs | 85.7595% | 1,976 |
| Earnings coverage of net charge-offs (x) | 7.4040% | 2,409 |
| Efficiency ratio | 52.5418% | 3,785 |
| Assets per employee ($millions) | 10.8209% | 556 |
| Cash dividends to net income (ytd only)* | 8.3735% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 3,259 |
| Loan loss allowance to noncurrent loans | 396.0597% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 2,068 |
| Noncurrent loans to loans | 0.2548% | 2,272 |
| Net loans and leases to total assets | 77.6900% | 893 |
| Net loans and leases to deposits | 108.7473% | 225 |
| Net loans and leases to core deposits | 123.9469% | 533 |
| Total domestic deposits to total assets | 71.4400% | 4,244 |
| Equity capital to assets | 10.5119% | 1,717 |
| Core capital (leverage) ratio | 9.1169% | 3,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3093% | 2,127 |
| Memoranda: | ||
| Average total assets | $22,322,583,000 | 87 |
| Average earning assets | $20,652,768,800 | 85 |
| Average equity | $2,277,914,400 | 87 |
| Average total loans | $17,522,038,800 | 72 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2649% | 1,332 |
| Cost of funding earning assets | 1.9590% | 763 |
| Net interest margin | 3.3059% | 2,672 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.6772% | 4,156 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 1.0760% | 2,129 |
| Return on assets (ROA) | 1.0761% | 2,117 |
| Pretax return on assets | 1.3503% | 1,894 |
| Return on Equity (ROE) | 10.6300% | 2,470 |
| Retained earnings to average equity (ytd only) | 10.6270% | 1,232 |
| Net charge-offs to loans | 0.3481% | 248 |
| Credit loss provision to net charge-offs | 85.5470% | 1,728 |
| Earnings coverage of net charge-offs (x) | 5.7959% | 2,333 |
| Efficiency ratio | 51.2968% | 3,810 |
| Assets per employee ($millions) | 10.5948% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 3,343 |
| Loan loss allowance to noncurrent loans | 351.4338% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.2430% | 2,041 |
| Noncurrent loans to loans | 0.2856% | 2,213 |
| Net loans and leases to total assets | 77.8200% | 905 |
| Net loans and leases to deposits | 107.5782% | 256 |
| Net loans and leases to core deposits | 121.9447% | 505 |
| Total domestic deposits to total assets | 72.3300% | 4,241 |
| Equity capital to assets | 10.4190% | 1,592 |
| Core capital (leverage) ratio | 9.0971% | 3,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8114% | 2,340 |
| Memoranda: | ||
| Average total assets | $22,243,909,500 | 88 |
| Average earning assets | $20,561,265,500 | 86 |
| Average equity | $2,252,491,500 | 90 |
| Average total loans | $17,460,905,000 | 73 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1654% | 1,267 |
| Cost of funding earning assets | 1.7959% | 740 |
| Net interest margin | 3.3695% | 2,596 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 1.7048% | 4,140 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.1649% | 1,935 |
| Return on assets (ROA) | 1.1649% | 1,929 |
| Pretax return on assets | 1.4925% | 1,617 |
| Return on Equity (ROE) | 11.6200% | 2,267 |
| Retained earnings to average equity (ytd only) | 11.6168% | 1,057 |
| Net charge-offs to loans | 0.1866% | 426 |
| Credit loss provision to net charge-offs | 77.0274% | 1,566 |
| Earnings coverage of net charge-offs (x) | 10.9656% | 1,979 |
| Efficiency ratio | 51.3726% | 3,820 |
| Assets per employee ($millions) | 10.7381% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 3,370 |
| Loan loss allowance to noncurrent loans | 322.1511% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 1,794 |
| Noncurrent loans to loans | 0.3147% | 2,012 |
| Net loans and leases to total assets | 77.1000% | 929 |
| Net loans and leases to deposits | 106.6986% | 287 |
| Net loans and leases to core deposits | 118.7551% | 547 |
| Total domestic deposits to total assets | 72.2600% | 4,284 |
| Equity capital to assets | 10.1562% | 1,770 |
| Core capital (leverage) ratio | 8.8385% | 3,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6195% | 2,427 |
| Memoranda: | ||
| Average total assets | $22,171,551,667 | 87 |
| Average earning assets | $20,500,824,000 | 83 |
| Average equity | $2,223,255,667 | 88 |
| Average total loans | $17,396,107,000 | 71 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0358% | 1,163 |
| Cost of funding earning assets | 1.5798% | 724 |
| Net interest margin | 3.4561% | 2,478 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 1.7419% | 4,134 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.2102% | 1,904 |
| Return on assets (ROA) | 1.2102% | 1,863 |
| Pretax return on assets | 1.5486% | 1,577 |
| Return on Equity (ROE) | 12.1500% | 2,179 |
| Retained earnings to average equity (ytd only) | 12.1487% | 1,240 |
| Net charge-offs to loans | 0.1358% | 494 |
| Credit loss provision to net charge-offs | 59.5542% | 1,281 |
| Earnings coverage of net charge-offs (x) | 15.0764% | 1,553 |
| Efficiency ratio | 51.8003% | 3,799 |
| Assets per employee ($millions) | 10.6436% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0167% | 3,455 |
| Loan loss allowance to noncurrent loans | 501.7250% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.1980% | 2,152 |
| Noncurrent loans to loans | 0.2026% | 2,459 |
| Net loans and leases to total assets | 77.3900% | 832 |
| Net loans and leases to deposits | 107.3007% | 223 |
| Net loans and leases to core deposits | 116.0952% | 533 |
| Total domestic deposits to total assets | 72.1300% | 4,356 |
| Equity capital to assets | 9.9647% | 1,835 |
| Core capital (leverage) ratio | 8.6892% | 3,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3113% | 2,629 |
| Memoranda: | ||
| Average total assets | $21,982,280,000 | 90 |
| Average earning assets | $20,334,200,000 | 89 |
| Average equity | $2,189,769,500 | 93 |
| Average total loans | $17,312,253,000 | 76 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9609% | 1,823 |
| Cost of funding earning assets | 0.5558% | 1,083 |
| Net interest margin | 3.4052% | 2,239 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 1.7396% | 4,104 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.2896% | 1,469 |
| Return on assets (ROA) | 1.2897% | 1,426 |
| Pretax return on assets | 1.6450% | 1,046 |
| Return on Equity (ROE) | 12.4700% | 1,988 |
| Retained earnings to average equity (ytd only) | 2.7310% | 3,795 |
| Net charge-offs to loans | -0.0119% | 3,887 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 50.8932% | 4,070 |
| Assets per employee ($millions) | 10.0956% | 654 |
| Cash dividends to net income (ytd only)* | 78.0986% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 3,208 |
| Loan loss allowance to noncurrent loans | 605.9049% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.1631% | 2,397 |
| Noncurrent loans to loans | 0.1699% | 2,636 |
| Net loans and leases to total assets | 78.5300% | 748 |
| Net loans and leases to deposits | 104.8982% | 269 |
| Net loans and leases to core deposits | 111.4794% | 560 |
| Total domestic deposits to total assets | 74.8600% | 4,323 |
| Equity capital to assets | 9.9583% | 1,726 |
| Core capital (leverage) ratio | 8.6110% | 4,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9363% | 2,752 |
| Memoranda: | ||
| Average total assets | $20,625,136,400 | 97 |
| Average earning assets | $19,088,570,400 | 95 |
| Average equity | $2,133,165,000 | 101 |
| Average total loans | $15,846,917,000 | 81 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6835% | 2,087 |
| Cost of funding earning assets | 0.3920% | 1,349 |
| Net interest margin | 3.2914% | 2,321 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 1.7487% | 4,078 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.2200% | 1,633 |
| Return on assets (ROA) | 1.2201% | 1,604 |
| Pretax return on assets | 1.5530% | 1,255 |
| Return on Equity (ROE) | 11.6800% | 2,145 |
| Retained earnings to average equity (ytd only) | 2.2028% | 3,978 |
| Net charge-offs to loans | -0.0120% | 3,777 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.5589% | 3,966 |
| Assets per employee ($millions) | 9.8168% | 692 |
| Cash dividends to net income (ytd only)* | 81.1427% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 3,196 |
| Loan loss allowance to noncurrent loans | 500.3851% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 2,277 |
| Noncurrent loans to loans | 0.2120% | 2,549 |
| Net loans and leases to total assets | 77.5800% | 744 |
| Net loans and leases to deposits | 99.0075% | 407 |
| Net loans and leases to core deposits | 103.9334% | 653 |
| Total domestic deposits to total assets | 78.3600% | 4,231 |
| Equity capital to assets | 10.3171% | 1,455 |
| Core capital (leverage) ratio | 8.8608% | 3,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1425% | 2,776 |
| Memoranda: | ||
| Average total assets | $20,370,167,250 | 100 |
| Average earning assets | $18,864,602,500 | 97 |
| Average equity | $2,127,589,250 | 104 |
| Average total loans | $15,515,238,750 | 83 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4323% | 2,344 |
| Cost of funding earning assets | 0.3320% | 1,424 |
| Net interest margin | 3.1003% | 2,538 |
| Noninterest income to average assets | 0.2861% | 3,462 |
| Noninterest expense to average assets | 1.7264% | 4,098 |
| Loan and lease loss provision to assets | 0.0099% | 2,414 |
| Net operating income to assets | 1.1173% | 1,714 |
| Return on assets (ROA) | 1.1173% | 1,690 |
| Pretax return on assets | 1.4251% | 1,374 |
| Return on Equity (ROE) | 10.6525% | 2,113 |
| Retained earnings to average equity (ytd only) | 1.2999% | 3,925 |
| Net charge-offs to loans | -0.0140% | 3,735 |
| Credit loss provision to net charge-offs | -93.6330% | 3,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4558% | 3,920 |
| Assets per employee ($millions) | 9.5703% | 739 |
| Cash dividends to net income (ytd only)* | 87.7969% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0864% | 3,211 |
| Loan loss allowance to noncurrent loans | 466.1623% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.2298% | 2,170 |
| Noncurrent loans to loans | 0.2331% | 2,553 |
| Net loans and leases to total assets | 77.2000% | 622 |
| Net loans and leases to deposits | 96.4078% | 414 |
| Net loans and leases to core deposits | 100.0310% | 669 |
| Total domestic deposits to total assets | 80.0765% | 4,219 |
| Equity capital to assets | 10.5309% | 1,413 |
| Core capital (leverage) ratio | 8.8642% | 3,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3339% | 2,721 |
| Memoranda: | ||
| Average total assets | $20,236,094,000 | 98 |
| Average earning assets | $18,767,700,333 | 101 |
| Average equity | $2,122,413,667 | 103 |
| Average total loans | $15,257,535,000 | 82 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2543% | 2,518 |
| Cost of funding earning assets | 0.3343% | 1,326 |
| Net interest margin | 2.9199% | 2,768 |
| Noninterest income to average assets | 0.2548% | 3,618 |
| Noninterest expense to average assets | 1.7308% | 4,091 |
| Loan and lease loss provision to assets | -0.0099% | 4,421 |
| Net operating income to assets | 0.9799% | 1,969 |
| Return on assets (ROA) | 0.9799% | 1,965 |
| Pretax return on assets | 1.2482% | 1,662 |
| Return on Equity (ROE) | 9.3614% | 2,193 |
| Retained earnings to average equity (ytd only) | -0.1114% | 4,029 |
| Net charge-offs to loans | -0.0126% | 3,682 |
| Credit loss provision to net charge-offs | 105.7082% | 981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1293% | 3,667 |
| Assets per employee ($millions) | 9.5633% | 760 |
| Cash dividends to net income (ytd only)* | 101.1901% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1225% | 3,226 |
| Loan loss allowance to noncurrent loans | 509.4801% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.2098% | 2,375 |
| Noncurrent loans to loans | 0.2203% | 2,715 |
| Net loans and leases to total assets | 73.3914% | 710 |
| Net loans and leases to deposits | 91.2356% | 462 |
| Net loans and leases to core deposits | 94.0747% | 731 |
| Total domestic deposits to total assets | 80.4416% | 4,255 |
| Equity capital to assets | 10.3369% | 1,670 |
| Core capital (leverage) ratio | 8.7970% | 3,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7695% | 2,689 |
| Memoranda: | ||
| Average total assets | $20,271,849,000 | 101 |
| Average earning assets | $18,844,463,500 | 102 |
| Average equity | $2,121,867,000 | 107 |
| Average total loans | $15,017,280,500 | 84 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3073% | 3,188 |
| Cost of funding earning assets | 0.4157% | 1,433 |
| Net interest margin | 2.8916% | 3,466 |
| Noninterest income to average assets | 0.3689% | 3,225 |
| Noninterest expense to average assets | 1.7980% | 4,149 |
| Loan and lease loss provision to assets | -0.0102% | 4,169 |
| Net operating income to assets | 0.9980% | 2,676 |
| Return on assets (ROA) | 0.9984% | 2,742 |
| Pretax return on assets | 1.2645% | 2,473 |
| Return on Equity (ROE) | 9.3809% | 2,763 |
| Retained earnings to average equity (ytd only) | 3.9088% | 3,253 |
| Net charge-offs to loans | -0.0489% | 4,316 |
| Credit loss provision to net charge-offs | 29.7530% | 2,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7196% | 3,325 |
| Assets per employee ($millions) | 9.3814% | 816 |
| Cash dividends to net income (ytd only)* | 58.3320% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 3,079 |
| Loan loss allowance to noncurrent loans | 380.4483% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.2543% | 2,294 |
| Noncurrent loans to loans | 0.3051% | 2,497 |
| Net loans and leases to total assets | 73.0718% | 743 |
| Net loans and leases to deposits | 91.2089% | 514 |
| Net loans and leases to core deposits | 94.3588% | 763 |
| Total domestic deposits to total assets | 80.1148% | 4,211 |
| Equity capital to assets | 10.6011% | 2,086 |
| Core capital (leverage) ratio | 8.9778% | 3,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0419% | 2,616 |
| Memoranda: | ||
| Average total assets | $19,574,348,200 | 102 |
| Average earning assets | $18,161,375,400 | 102 |
| Average equity | $2,083,300,400 | 108 |
| Average total loans | $13,735,764,800 | 89 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3109% | 3,360 |
| Cost of funding earning assets | 0.4372% | 1,441 |
| Net interest margin | 2.8738% | 3,610 |
| Noninterest income to average assets | 0.3776% | 3,217 |
| Noninterest expense to average assets | 1.7982% | 4,174 |
| Loan and lease loss provision to assets | -0.0171% | 4,344 |
| Net operating income to assets | 0.9928% | 2,940 |
| Return on assets (ROA) | 0.9929% | 3,016 |
| Pretax return on assets | 1.2605% | 2,732 |
| Return on Equity (ROE) | 9.3197% | 2,997 |
| Retained earnings to average equity (ytd only) | 3.3819% | 3,776 |
| Net charge-offs to loans | -0.0456% | 4,309 |
| Credit loss provision to net charge-offs | 54.2182% | 1,837 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9175% | 3,136 |
| Assets per employee ($millions) | 9.5057% | 769 |
| Cash dividends to net income (ytd only)* | 63.7127% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 2,879 |
| Loan loss allowance to noncurrent loans | 539.1879% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.2034% | 2,768 |
| Noncurrent loans to loans | 0.2268% | 3,033 |
| Net loans and leases to total assets | 70.4116% | 1,043 |
| Net loans and leases to deposits | 88.2433% | 704 |
| Net loans and leases to core deposits | 91.3589% | 959 |
| Total domestic deposits to total assets | 79.7925% | 4,256 |
| Equity capital to assets | 10.6699% | 2,294 |
| Core capital (leverage) ratio | 8.9190% | 3,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5297% | 2,852 |
| Memoranda: | ||
| Average total assets | $19,474,673,250 | 102 |
| Average earning assets | $18,052,604,500 | 102 |
| Average equity | $2,074,785,250 | 110 |
| Average total loans | $13,478,185,250 | 92 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3006% | 3,422 |
| Cost of funding earning assets | 0.4622% | 1,434 |
| Net interest margin | 2.8385% | 3,704 |
| Noninterest income to average assets | 0.3883% | 3,168 |
| Noninterest expense to average assets | 1.8307% | 4,120 |
| Loan and lease loss provision to assets | -0.0206% | 4,433 |
| Net operating income to assets | 0.9548% | 3,048 |
| Return on assets (ROA) | 0.9548% | 3,133 |
| Pretax return on assets | 1.2074% | 2,883 |
| Return on Equity (ROE) | 8.9663% | 3,106 |
| Retained earnings to average equity (ytd only) | 4.6134% | 3,323 |
| Net charge-offs to loans | -0.0541% | 4,408 |
| Credit loss provision to net charge-offs | 55.6328% | 1,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4542% | 2,948 |
| Assets per employee ($millions) | 9.5489% | 699 |
| Cash dividends to net income (ytd only)* | 48.5479% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2520% | 2,670 |
| Loan loss allowance to noncurrent loans | 501.5536% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 2,873 |
| Noncurrent loans to loans | 0.2496% | 3,052 |
| Net loans and leases to total assets | 68.5466% | 1,377 |
| Net loans and leases to deposits | 87.1547% | 836 |
| Net loans and leases to core deposits | 90.1800% | 1,129 |
| Total domestic deposits to total assets | 78.6493% | 4,372 |
| Equity capital to assets | 10.6192% | 2,289 |
| Core capital (leverage) ratio | 8.9538% | 3,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1172% | 2,673 |
| Memoranda: | ||
| Average total assets | $19,416,796,000 | 102 |
| Average earning assets | $17,985,632,333 | 101 |
| Average equity | $2,067,559,000 | 109 |
| Average total loans | $13,302,253,333 | 93 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3072% | 3,429 |
| Cost of funding earning assets | 0.5090% | 1,335 |
| Net interest margin | 2.7983% | 3,769 |
| Noninterest income to average assets | 0.5578% | 2,380 |
| Noninterest expense to average assets | 1.9647% | 3,821 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9347% | 3,029 |
| Return on assets (ROA) | 0.9347% | 3,104 |
| Pretax return on assets | 1.1819% | 2,895 |
| Return on Equity (ROE) | 8.7654% | 3,116 |
| Retained earnings to average equity (ytd only) | 8.7654% | 2,027 |
| Net charge-offs to loans | -0.0750% | 4,542 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2157% | 2,722 |
| Assets per employee ($millions) | 9.3785% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 2,408 |
| Loan loss allowance to noncurrent loans | 431.9457% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.2318% | 2,988 |
| Noncurrent loans to loans | 0.3026% | 3,012 |
| Net loans and leases to total assets | 66.7397% | 1,692 |
| Net loans and leases to deposits | 86.1159% | 955 |
| Net loans and leases to core deposits | 89.3418% | 1,268 |
| Total domestic deposits to total assets | 77.4998% | 4,481 |
| Equity capital to assets | 10.7513% | 2,038 |
| Core capital (leverage) ratio | 9.0399% | 3,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8335% | 2,356 |
| Memoranda: | ||
| Average total assets | $19,299,335,000 | 100 |
| Average earning assets | $17,854,686,000 | 100 |
| Average equity | $2,057,906,500 | 110 |
| Average total loans | $13,132,699,000 | 95 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7044% | 3,565 |
| Cost of funding earning assets | 0.8105% | 1,164 |
| Net interest margin | 2.8939% | 4,117 |
| Noninterest income to average assets | 0.2423% | 4,042 |
| Noninterest expense to average assets | 1.8105% | 4,453 |
| Loan and lease loss provision to assets | 0.1586% | 2,388 |
| Net operating income to assets | 0.7408% | 3,293 |
| Return on assets (ROA) | 0.8069% | 3,180 |
| Pretax return on assets | 1.0185% | 2,982 |
| Return on Equity (ROE) | 7.3325% | 3,059 |
| Retained earnings to average equity (ytd only) | 0.3245% | 4,418 |
| Net charge-offs to loans | -0.0192% | 4,415 |
| Credit loss provision to net charge-offs | -1,174.7733% | 4,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9346% | 3,148 |
| Assets per employee ($millions) | 9.1474% | 703 |
| Cash dividends to net income (ytd only)* | 95.5741% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3036% | 2,389 |
| Loan loss allowance to noncurrent loans | 291.4046% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.3298% | 2,677 |
| Noncurrent loans to loans | 0.4474% | 2,626 |
| Net loans and leases to total assets | 67.5891% | 1,874 |
| Net loans and leases to deposits | 90.2716% | 909 |
| Net loans and leases to core deposits | 94.1466% | 1,242 |
| Total domestic deposits to total assets | 74.8731% | 4,581 |
| Equity capital to assets | 10.5727% | 2,608 |
| Core capital (leverage) ratio | 8.9985% | 3,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5622% | 2,419 |
| Memoranda: | ||
| Average total assets | $17,965,555,000 | 102 |
| Average earning assets | $16,524,231,400 | 100 |
| Average equity | $1,977,039,600 | 108 |
| Average total loans | $12,614,108,200 | 96 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7891% | 3,596 |
| Cost of funding earning assets | 0.8746% | 1,156 |
| Net interest margin | 2.9145% | 4,154 |
| Noninterest income to average assets | 0.2493% | 3,986 |
| Noninterest expense to average assets | 1.8431% | 4,418 |
| Loan and lease loss provision to assets | 0.1922% | 2,064 |
| Net operating income to assets | 0.7086% | 3,431 |
| Return on assets (ROA) | 0.7981% | 3,217 |
| Pretax return on assets | 1.0049% | 3,053 |
| Return on Equity (ROE) | 7.1764% | 3,133 |
| Retained earnings to average equity (ytd only) | -2.2130% | 4,716 |
| Net charge-offs to loans | -0.0074% | 4,156 |
| Credit loss provision to net charge-offs | -3,690.3039% | 4,184 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5430% | 2,988 |
| Assets per employee ($millions) | 9.0911% | 676 |
| Cash dividends to net income (ytd only)* | 130.8372% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2882% | 2,207 |
| Loan loss allowance to noncurrent loans | 574.9733% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.1809% | 3,526 |
| Noncurrent loans to loans | 0.2240% | 3,497 |
| Net loans and leases to total assets | 68.0818% | 2,236 |
| Net loans and leases to deposits | 91.8421% | 1,086 |
| Net loans and leases to core deposits | 96.0034% | 1,459 |
| Total domestic deposits to total assets | 74.1292% | 4,560 |
| Equity capital to assets | 10.3874% | 2,882 |
| Core capital (leverage) ratio | 8.9444% | 3,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7127% | 2,319 |
| Memoranda: | ||
| Average total assets | $17,691,139,750 | 102 |
| Average earning assets | $16,253,618,000 | 100 |
| Average equity | $1,967,427,500 | 108 |
| Average total loans | $12,503,922,500 | 97 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9456% | 3,479 |
| Cost of funding earning assets | 0.9348% | 1,216 |
| Net interest margin | 3.0107% | 4,102 |
| Noninterest income to average assets | 0.2602% | 3,914 |
| Noninterest expense to average assets | 1.9290% | 4,367 |
| Loan and lease loss provision to assets | 0.2193% | 1,902 |
| Net operating income to assets | 0.6889% | 3,427 |
| Return on assets (ROA) | 0.8259% | 3,067 |
| Pretax return on assets | 1.0491% | 2,875 |
| Return on Equity (ROE) | 7.2537% | 3,031 |
| Retained earnings to average equity (ytd only) | -3.2604% | 4,675 |
| Net charge-offs to loans | -0.0014% | 3,779 |
| Credit loss provision to net charge-offs | -22,352.9412% | 4,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3688% | 2,902 |
| Assets per employee ($millions) | 8.8903% | 703 |
| Cash dividends to net income (ytd only)* | 144.9478% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2817% | 2,092 |
| Loan loss allowance to noncurrent loans | 475.9888% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 3,436 |
| Noncurrent loans to loans | 0.2693% | 3,416 |
| Net loans and leases to total assets | 70.0469% | 2,019 |
| Net loans and leases to deposits | 96.3334% | 767 |
| Net loans and leases to core deposits | 101.4332% | 1,153 |
| Total domestic deposits to total assets | 72.7129% | 4,669 |
| Equity capital to assets | 10.7149% | 2,558 |
| Core capital (leverage) ratio | 9.2376% | 3,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0344% | 2,165 |
| Memoranda: | ||
| Average total assets | $17,324,391,667 | 103 |
| Average earning assets | $15,903,406,333 | 101 |
| Average equity | $1,972,591,667 | 109 |
| Average total loans | $12,351,740,667 | 97 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1937% | 3,232 |
| Cost of funding earning assets | 1.0830% | 1,099 |
| Net interest margin | 3.1106% | 4,073 |
| Noninterest income to average assets | 0.2698% | 3,920 |
| Noninterest expense to average assets | 2.1868% | 4,039 |
| Loan and lease loss provision to assets | 0.1468% | 1,931 |
| Net operating income to assets | 0.6233% | 3,533 |
| Return on assets (ROA) | 0.9043% | 2,617 |
| Pretax return on assets | 1.1482% | 2,365 |
| Return on Equity (ROE) | 7.6982% | 2,638 |
| Retained earnings to average equity (ytd only) | -5.5520% | 4,557 |
| Net charge-offs to loans | -0.0592% | 4,685 |
| Credit loss provision to net charge-offs | -346.7562% | 3,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5369% | 2,418 |
| Assets per employee ($millions) | 8.5662% | 616 |
| Cash dividends to net income (ytd only)* | 172.1204% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 2,927 |
| Loan loss allowance to noncurrent loans | 427.7991% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2192% | 3,593 |
| Noncurrent loans to loans | 0.2692% | 3,532 |
| Net loans and leases to total assets | 68.9365% | 2,402 |
| Net loans and leases to deposits | 98.3225% | 676 |
| Net loans and leases to core deposits | 104.3830% | 1,161 |
| Total domestic deposits to total assets | 70.1126% | 4,851 |
| Equity capital to assets | 11.3188% | 2,577 |
| Core capital (leverage) ratio | 10.3035% | 3,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6680% | 2,016 |
| Memoranda: | ||
| Average total assets | $16,896,260,000 | 102 |
| Average earning assets | $15,514,457,000 | 100 |
| Average equity | $1,984,867,500 | 109 |
| Average total loans | $12,077,447,000 | 98 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4977% | 2,957 |
| Cost of funding earning assets | 1.2734% | 830 |
| Net interest margin | 3.2244% | 4,136 |
| Noninterest income to average assets | 0.4883% | 2,811 |
| Noninterest expense to average assets | 1.7634% | 4,812 |
| Loan and lease loss provision to assets | -0.0131% | 4,944 |
| Net operating income to assets | 1.3621% | 1,468 |
| Return on assets (ROA) | 1.3621% | 1,549 |
| Pretax return on assets | 1.7042% | 1,176 |
| Return on Equity (ROE) | 11.2371% | 1,797 |
| Retained earnings to average equity (ytd only) | 0.7097% | 4,488 |
| Net charge-offs to loans | -0.0395% | 4,775 |
| Credit loss provision to net charge-offs | 45.2822% | 3,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6886% | 4,695 |
| Assets per employee ($millions) | 8.2680% | 648 |
| Cash dividends to net income (ytd only)* | 93.6842% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 2,951 |
| Loan loss allowance to noncurrent loans | 440.4181% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.2218% | 3,566 |
| Noncurrent loans to loans | 0.2499% | 3,553 |
| Net loans and leases to total assets | 72.5144% | 2,007 |
| Net loans and leases to deposits | 98.9217% | 675 |
| Net loans and leases to core deposits | 105.5374% | 1,138 |
| Total domestic deposits to total assets | 73.3049% | 4,812 |
| Equity capital to assets | 12.2008% | 2,012 |
| Core capital (leverage) ratio | 10.4237% | 3,042 |
| Tier 1 risk-based capital ratio | 13.8801% | 3,324 |
| Total risk-based capital ratio | 15.0375% | 3,279 |
| Memoranda: | ||
| Average total assets | $16,396,702,400 | 97 |
| Average earning assets | $15,084,042,600 | 95 |
| Average equity | $1,987,572,200 | 105 |
| Average total loans | $12,015,526,400 | 93 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5244% | 2,980 |
| Cost of funding earning assets | 1.2989% | 788 |
| Net interest margin | 3.2255% | 4,244 |
| Noninterest income to average assets | 0.3048% | 3,917 |
| Noninterest expense to average assets | 1.6894% | 4,930 |
| Loan and lease loss provision to assets | -0.0094% | 5,052 |
| Net operating income to assets | 1.2816% | 1,916 |
| Return on assets (ROA) | 1.2816% | 1,998 |
| Pretax return on assets | 1.5928% | 1,663 |
| Return on Equity (ROE) | 10.5903% | 2,175 |
| Retained earnings to average equity (ytd only) | 0.0449% | 4,749 |
| Net charge-offs to loans | -0.0241% | 4,637 |
| Credit loss provision to net charge-offs | 53.0198% | 2,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2381% | 4,656 |
| Assets per employee ($millions) | 8.4208% | 590 |
| Cash dividends to net income (ytd only)* | 99.5760% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 3,076 |
| Loan loss allowance to noncurrent loans | 389.9730% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.2459% | 3,584 |
| Noncurrent loans to loans | 0.2796% | 3,535 |
| Net loans and leases to total assets | 72.4405% | 2,099 |
| Net loans and leases to deposits | 98.3674% | 781 |
| Net loans and leases to core deposits | 105.6284% | 1,210 |
| Total domestic deposits to total assets | 73.6427% | 4,829 |
| Equity capital to assets | 12.0774% | 2,197 |
| Core capital (leverage) ratio | 10.2408% | 3,372 |
| Tier 1 risk-based capital ratio | 13.9345% | 3,360 |
| Total risk-based capital ratio | 15.0921% | 3,314 |
| Memoranda: | ||
| Average total assets | $16,390,812,750 | 96 |
| Average earning assets | $15,082,529,250 | 94 |
| Average equity | $1,983,614,000 | 105 |
| Average total loans | $12,009,515,000 | 93 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5326% | 2,908 |
| Cost of funding earning assets | 1.2967% | 747 |
| Net interest margin | 3.2359% | 4,275 |
| Noninterest income to average assets | 0.2902% | 4,001 |
| Noninterest expense to average assets | 1.6660% | 5,010 |
| Loan and lease loss provision to assets | 0.0092% | 3,561 |
| Net operating income to assets | 1.2863% | 1,825 |
| Return on assets (ROA) | 1.2863% | 1,886 |
| Pretax return on assets | 1.5940% | 1,561 |
| Return on Equity (ROE) | 10.6212% | 2,126 |
| Retained earnings to average equity (ytd only) | 0.2223% | 4,632 |
| Net charge-offs to loans | -0.0351% | 4,727 |
| Credit loss provision to net charge-offs | -35.5956% | 3,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5793% | 4,749 |
| Assets per employee ($millions) | 8.3927% | 584 |
| Cash dividends to net income (ytd only)* | 97.9067% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 3,036 |
| Loan loss allowance to noncurrent loans | 326.8351% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.2916% | 3,380 |
| Noncurrent loans to loans | 0.3386% | 3,327 |
| Net loans and leases to total assets | 72.7346% | 2,107 |
| Net loans and leases to deposits | 100.7236% | 625 |
| Net loans and leases to core deposits | 107.9354% | 1,106 |
| Total domestic deposits to total assets | 72.2120% | 4,964 |
| Equity capital to assets | 12.0709% | 2,133 |
| Core capital (leverage) ratio | 10.3192% | 3,266 |
| Tier 1 risk-based capital ratio | 13.9672% | 3,336 |
| Total risk-based capital ratio | 15.1423% | 3,277 |
| Memoranda: | ||
| Average total assets | $16,364,069,330 | 97 |
| Average earning assets | $15,064,782,000 | 95 |
| Average equity | $1,981,727,670 | 105 |
| Average total loans | $11,991,608,670 | 93 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4814% | 2,930 |
| Cost of funding earning assets | 1.2656% | 739 |
| Net interest margin | 3.2158% | 4,359 |
| Noninterest income to average assets | 0.2913% | 3,930 |
| Noninterest expense to average assets | 1.6345% | 5,071 |
| Loan and lease loss provision to assets | 0.0184% | 3,205 |
| Net operating income to assets | 1.2584% | 1,852 |
| Return on assets (ROA) | 1.2584% | 1,901 |
| Pretax return on assets | 1.5985% | 1,475 |
| Return on Equity (ROE) | 10.3741% | 2,206 |
| Retained earnings to average equity (ytd only) | -0.1255% | 4,548 |
| Net charge-offs to loans | -0.0393% | 4,757 |
| Credit loss provision to net charge-offs | -64.0478% | 3,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8861% | 4,836 |
| Assets per employee ($millions) | 8.5556% | 551 |
| Cash dividends to net income (ytd only)* | 101.2101% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1063% | 3,097 |
| Loan loss allowance to noncurrent loans | 271.9426% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.3435% | 3,231 |
| Noncurrent loans to loans | 0.4068% | 3,127 |
| Net loans and leases to total assets | 72.3882% | 2,094 |
| Net loans and leases to deposits | 100.8033% | 571 |
| Net loans and leases to core deposits | 108.2421% | 1,040 |
| Total domestic deposits to total assets | 71.8113% | 5,051 |
| Equity capital to assets | 12.0553% | 1,991 |
| Core capital (leverage) ratio | 10.3334% | 3,239 |
| Tier 1 risk-based capital ratio | 14.0710% | 3,305 |
| Total risk-based capital ratio | 15.2495% | 3,256 |
| Memoranda: | ||
| Average total assets | $16,312,864,500 | 97 |
| Average earning assets | $15,016,355,000 | 97 |
| Average equity | $1,978,765,000 | 107 |
| Average total loans | $11,931,992,000 | 93 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3275% | 3,018 |
| Cost of funding earning assets | 1.0230% | 688 |
| Net interest margin | 3.3045% | 4,245 |
| Noninterest income to average assets | 0.3079% | 4,057 |
| Noninterest expense to average assets | 1.7044% | 5,087 |
| Loan and lease loss provision to assets | -0.0376% | 5,164 |
| Net operating income to assets | 1.2995% | 1,804 |
| Return on assets (ROA) | 1.2995% | 1,792 |
| Pretax return on assets | 1.6721% | 1,242 |
| Return on Equity (ROE) | 10.3824% | 2,354 |
| Retained earnings to average equity (ytd only) | 0.0906% | 4,962 |
| Net charge-offs to loans | -0.0816% | 5,104 |
| Credit loss provision to net charge-offs | 63.4599% | 3,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6671% | 4,899 |
| Assets per employee ($millions) | 8.4766% | 555 |
| Cash dividends to net income (ytd only)* | 99.1274% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 3,042 |
| Loan loss allowance to noncurrent loans | 254.9368% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 3,079 |
| Noncurrent loans to loans | 0.4348% | 2,981 |
| Net loans and leases to total assets | 72.2805% | 2,213 |
| Net loans and leases to deposits | 100.6176% | 696 |
| Net loans and leases to core deposits | 107.6481% | 1,145 |
| Total domestic deposits to total assets | 71.8368% | 5,082 |
| Equity capital to assets | 12.2060% | 1,755 |
| Core capital (leverage) ratio | 10.5845% | 2,946 |
| Tier 1 risk-based capital ratio | 14.3755% | 3,126 |
| Total risk-based capital ratio | 15.5628% | 3,075 |
| Memoranda: | ||
| Average total assets | $15,812,489,600 | 99 |
| Average earning assets | $14,503,679,800 | 98 |
| Average equity | $1,979,148,000 | 97 |
| Average total loans | $11,495,266,600 | 94 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2937% | 2,988 |
| Cost of funding earning assets | 0.9706% | 684 |
| Net interest margin | 3.3231% | 4,217 |
| Noninterest income to average assets | 0.2655% | 4,375 |
| Noninterest expense to average assets | 1.6874% | 5,148 |
| Loan and lease loss provision to assets | -0.0462% | 5,280 |
| Net operating income to assets | 1.2931% | 1,888 |
| Return on assets (ROA) | 1.2931% | 1,886 |
| Pretax return on assets | 1.6709% | 1,343 |
| Return on Equity (ROE) | 10.2656% | 2,496 |
| Retained earnings to average equity (ytd only) | 0.0168% | 5,031 |
| Net charge-offs to loans | -0.0931% | 5,144 |
| Credit loss provision to net charge-offs | 68.3986% | 2,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5624% | 4,914 |
| Assets per employee ($millions) | 8.4595% | 538 |
| Cash dividends to net income (ytd only)* | 99.8367% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 3,116 |
| Loan loss allowance to noncurrent loans | 232.1218% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.4218% | 3,002 |
| Noncurrent loans to loans | 0.4797% | 2,948 |
| Net loans and leases to total assets | 72.2863% | 2,290 |
| Net loans and leases to deposits | 99.8206% | 802 |
| Net loans and leases to core deposits | 106.7519% | 1,250 |
| Total domestic deposits to total assets | 72.4162% | 5,098 |
| Equity capital to assets | 12.4701% | 1,611 |
| Core capital (leverage) ratio | 10.7410% | 2,849 |
| Tier 1 risk-based capital ratio | 14.5505% | 3,097 |
| Total risk-based capital ratio | 15.7459% | 3,045 |
| Memoranda: | ||
| Average total assets | $15,718,013,500 | 100 |
| Average earning assets | $14,410,109,250 | 98 |
| Average equity | $1,979,884,000 | 97 |
| Average total loans | $11,410,668,250 | 93 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2618% | 2,903 |
| Cost of funding earning assets | 0.9331% | 630 |
| Net interest margin | 3.3287% | 4,167 |
| Noninterest income to average assets | 0.2686% | 4,389 |
| Noninterest expense to average assets | 1.6651% | 5,221 |
| Loan and lease loss provision to assets | 0.0006% | 3,781 |
| Net operating income to assets | 1.2893% | 1,817 |
| Return on assets (ROA) | 1.2893% | 1,814 |
| Pretax return on assets | 1.6545% | 1,330 |
| Return on Equity (ROE) | 10.2012% | 2,475 |
| Retained earnings to average equity (ytd only) | 0.0185% | 4,952 |
| Net charge-offs to loans | -0.0258% | 4,678 |
| Credit loss provision to net charge-offs | -3.4223% | 3,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7681% | 5,036 |
| Assets per employee ($millions) | 8.4401% | 531 |
| Cash dividends to net income (ytd only)* | 99.8188% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 3,134 |
| Loan loss allowance to noncurrent loans | 212.2256% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.4558% | 2,907 |
| Noncurrent loans to loans | 0.5292% | 2,831 |
| Net loans and leases to total assets | 71.8047% | 2,304 |
| Net loans and leases to deposits | 99.6589% | 826 |
| Net loans and leases to core deposits | 106.4202% | 1,213 |
| Total domestic deposits to total assets | 72.0505% | 5,180 |
| Equity capital to assets | 12.5509% | 1,508 |
| Core capital (leverage) ratio | 10.7544% | 2,749 |
| Tier 1 risk-based capital ratio | 14.7424% | 2,997 |
| Total risk-based capital ratio | 15.9443% | 2,948 |
| Memoranda: | ||
| Average total assets | $15,664,512,000 | 98 |
| Average earning assets | $14,360,367,000 | 98 |
| Average equity | $1,979,824,670 | 94 |
| Average total loans | $11,345,143,330 | 92 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1888% | 2,918 |
| Cost of funding earning assets | 0.8883% | 637 |
| Net interest margin | 3.3004% | 4,187 |
| Noninterest income to average assets | 0.2697% | 4,367 |
| Noninterest expense to average assets | 1.6534% | 5,290 |
| Loan and lease loss provision to assets | -0.0243% | 5,434 |
| Net operating income to assets | 1.2689% | 1,747 |
| Return on assets (ROA) | 1.2689% | 1,755 |
| Pretax return on assets | 1.6662% | 1,202 |
| Return on Equity (ROE) | 10.0048% | 2,419 |
| Retained earnings to average equity (ytd only) | -0.4204% | 4,851 |
| Net charge-offs to loans | -0.0486% | 4,956 |
| Credit loss provision to net charge-offs | 69.2925% | 1,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7982% | 5,095 |
| Assets per employee ($millions) | 8.4278% | 539 |
| Cash dividends to net income (ytd only)* | 104.2024% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 3,232 |
| Loan loss allowance to noncurrent loans | 233.8698% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.4507% | 3,044 |
| Noncurrent loans to loans | 0.4808% | 3,074 |
| Net loans and leases to total assets | 71.7600% | 2,211 |
| Net loans and leases to deposits | 100.4004% | 676 |
| Net loans and leases to core deposits | 107.3429% | 1,161 |
| Total domestic deposits to total assets | 71.4738% | 5,313 |
| Equity capital to assets | 12.6544% | 1,401 |
| Core capital (leverage) ratio | 10.8197% | 2,613 |
| Tier 1 risk-based capital ratio | 15.6217% | 2,621 |
| Total risk-based capital ratio | 16.8719% | 2,565 |
| Memoranda: | ||
| Average total assets | $15,609,507,000 | 99 |
| Average earning assets | $14,309,546,000 | 99 |
| Average equity | $1,979,817,000 | 94 |
| Average total loans | $11,289,954,000 | 92 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0829% | 3,115 |
| Cost of funding earning assets | 0.8472% | 488 |
| Net interest margin | 3.2357% | 4,346 |
| Noninterest income to average assets | 0.2853% | 4,422 |
| Noninterest expense to average assets | 1.5851% | 5,426 |
| Loan and lease loss provision to assets | -0.0139% | 5,316 |
| Net operating income to assets | 1.2034% | 1,510 |
| Return on assets (ROA) | 1.2154% | 1,494 |
| Pretax return on assets | 1.6900% | 1,032 |
| Return on Equity (ROE) | 9.3316% | 2,167 |
| Retained earnings to average equity (ytd only) | 0.5469% | 4,819 |
| Net charge-offs to loans | -0.1123% | 5,400 |
| Credit loss provision to net charge-offs | 17.3640% | 3,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0620% | 5,316 |
| Assets per employee ($millions) | 8.5213% | 529 |
| Cash dividends to net income (ytd only)* | 94.1395% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1319% | 3,177 |
| Loan loss allowance to noncurrent loans | 263.0485% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.4252% | 3,160 |
| Noncurrent loans to loans | 0.4303% | 3,247 |
| Net loans and leases to total assets | 71.2621% | 2,341 |
| Net loans and leases to deposits | 100.5659% | 688 |
| Net loans and leases to core deposits | 106.9116% | 1,220 |
| Total domestic deposits to total assets | 70.8612% | 5,374 |
| Equity capital to assets | 12.7125% | 1,399 |
| Core capital (leverage) ratio | 11.0690% | 2,270 |
| Tier 1 risk-based capital ratio | 15.8688% | 2,484 |
| Total risk-based capital ratio | 17.1192% | 2,425 |
| Memoranda: | ||
| Average total assets | $15,155,381,000 | 97 |
| Average earning assets | $13,860,443,800 | 95 |
| Average equity | $1,973,931,000 | 91 |
| Average total loans | $10,770,273,200 | 93 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0626% | 3,119 |
| Cost of funding earning assets | 0.8470% | 462 |
| Net interest margin | 3.2156% | 4,411 |
| Noninterest income to average assets | 0.3188% | 4,255 |
| Noninterest expense to average assets | 1.5673% | 5,477 |
| Loan and lease loss provision to assets | -0.0186% | 5,477 |
| Net operating income to assets | 1.1584% | 1,850 |
| Return on assets (ROA) | 1.1737% | 1,836 |
| Pretax return on assets | 1.7316% | 1,042 |
| Return on Equity (ROE) | 8.9556% | 2,625 |
| Retained earnings to average equity (ytd only) | 0.3491% | 5,141 |
| Net charge-offs to loans | -0.1128% | 5,409 |
| Credit loss provision to net charge-offs | 23.3023% | 3,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3402% | 5,373 |
| Assets per employee ($millions) | 8.3906% | 544 |
| Cash dividends to net income (ytd only)* | 96.1023% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 3,389 |
| Loan loss allowance to noncurrent loans | 231.6581% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 3,120 |
| Noncurrent loans to loans | 0.4828% | 3,237 |
| Net loans and leases to total assets | 71.3361% | 2,351 |
| Net loans and leases to deposits | 99.6715% | 765 |
| Net loans and leases to core deposits | 105.5760% | 1,303 |
| Total domestic deposits to total assets | 71.5712% | 5,405 |
| Equity capital to assets | 12.9320% | 1,424 |
| Core capital (leverage) ratio | 11.2691% | 2,209 |
| Tier 1 risk-based capital ratio | 16.3483% | 2,364 |
| Total risk-based capital ratio | 17.5988% | 2,318 |
| Memoranda: | ||
| Average total assets | $15,047,859,750 | 95 |
| Average earning assets | $13,754,039,000 | 92 |
| Average equity | $1,972,089,750 | 88 |
| Average total loans | $10,654,418,750 | 92 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0344% | 3,068 |
| Cost of funding earning assets | 0.8419% | 419 |
| Net interest margin | 3.1925% | 4,442 |
| Noninterest income to average assets | 0.3121% | 4,304 |
| Noninterest expense to average assets | 1.5339% | 5,543 |
| Loan and lease loss provision to assets | -0.0214% | 5,564 |
| Net operating income to assets | 1.1540% | 1,763 |
| Return on assets (ROA) | 1.1540% | 1,810 |
| Pretax return on assets | 1.7143% | 1,024 |
| Return on Equity (ROE) | 8.7663% | 2,621 |
| Retained earnings to average equity (ytd only) | 2.5591% | 4,157 |
| Net charge-offs to loans | -0.1228% | 5,476 |
| Credit loss provision to net charge-offs | 24.7372% | 2,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2169% | 5,428 |
| Assets per employee ($millions) | 8.3110% | 545 |
| Cash dividends to net income (ytd only)* | 70.8079% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 3,400 |
| Loan loss allowance to noncurrent loans | 198.6914% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.5345% | 2,986 |
| Noncurrent loans to loans | 0.5709% | 3,015 |
| Net loans and leases to total assets | 70.6263% | 2,427 |
| Net loans and leases to deposits | 99.8696% | 751 |
| Net loans and leases to core deposits | 105.3936% | 1,273 |
| Total domestic deposits to total assets | 70.7185% | 5,515 |
| Equity capital to assets | 13.1937% | 1,282 |
| Core capital (leverage) ratio | 11.4773% | 1,981 |
| Tier 1 risk-based capital ratio | 16.9961% | 2,155 |
| Total risk-based capital ratio | 18.2467% | 2,109 |
| Memoranda: | ||
| Average total assets | $14,979,093,670 | 94 |
| Average earning assets | $13,675,960,000 | 92 |
| Average equity | $1,971,894,670 | 87 |
| Average total loans | $10,537,629,000 | 93 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0325% | 2,921 |
| Cost of funding earning assets | 0.8366% | 396 |
| Net interest margin | 3.1960% | 4,356 |
| Noninterest income to average assets | 0.2858% | 4,505 |
| Noninterest expense to average assets | 1.5564% | 5,596 |
| Loan and lease loss provision to assets | -0.0429% | 5,706 |
| Net operating income to assets | 1.1319% | 1,742 |
| Return on assets (ROA) | 1.1319% | 1,777 |
| Pretax return on assets | 1.6872% | 1,036 |
| Return on Equity (ROE) | 8.6078% | 2,613 |
| Retained earnings to average equity (ytd only) | 0.2113% | 4,865 |
| Net charge-offs to loans | -0.2003% | 5,623 |
| Credit loss provision to net charge-offs | 30.6748% | 2,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2932% | 5,456 |
| Assets per employee ($millions) | 8.3292% | 539 |
| Cash dividends to net income (ytd only)* | 97.5448% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 3,405 |
| Loan loss allowance to noncurrent loans | 191.6289% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.5757% | 2,933 |
| Noncurrent loans to loans | 0.6011% | 3,016 |
| Net loans and leases to total assets | 69.8967% | 2,401 |
| Net loans and leases to deposits | 97.8140% | 782 |
| Net loans and leases to core deposits | 102.9812% | 1,296 |
| Total domestic deposits to total assets | 71.4588% | 5,569 |
| Equity capital to assets | 13.1338% | 1,207 |
| Core capital (leverage) ratio | 11.4596% | 1,980 |
| Tier 1 risk-based capital ratio | 16.9465% | 2,195 |
| Total risk-based capital ratio | 18.1971% | 2,152 |
| Memoranda: | ||
| Average total assets | $14,926,390,000 | 93 |
| Average earning assets | $13,613,374,000 | 92 |
| Average equity | $1,962,739,000 | 84 |
| Average total loans | $10,418,518,500 | 91 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0161% | 3,134 |
| Cost of funding earning assets | 0.8773% | 332 |
| Net interest margin | 3.1388% | 4,617 |
| Noninterest income to average assets | 0.3347% | 4,343 |
| Noninterest expense to average assets | 1.5106% | 5,709 |
| Loan and lease loss provision to assets | -0.0433% | 5,570 |
| Net operating income to assets | 1.1485% | 1,699 |
| Return on assets (ROA) | 1.1529% | 1,780 |
| Pretax return on assets | 1.7260% | 938 |
| Return on Equity (ROE) | 8.7077% | 2,559 |
| Retained earnings to average equity (ytd only) | -0.4945% | 5,381 |
| Net charge-offs to loans | -0.1758% | 5,714 |
| Credit loss provision to net charge-offs | 37.0178% | 3,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9242% | 5,613 |
| Assets per employee ($millions) | 8.2103% | 551 |
| Cash dividends to net income (ytd only)* | 105.6786% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 3,399 |
| Loan loss allowance to noncurrent loans | 168.4552% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.6245% | 2,856 |
| Noncurrent loans to loans | 0.6858% | 2,820 |
| Net loans and leases to total assets | 68.0865% | 2,754 |
| Net loans and leases to deposits | 94.7515% | 1,116 |
| Net loans and leases to core deposits | 99.3524% | 1,679 |
| Total domestic deposits to total assets | 71.8580% | 5,569 |
| Equity capital to assets | 13.1652% | 1,186 |
| Core capital (leverage) ratio | 11.4347% | 1,981 |
| Tier 1 risk-based capital ratio | 17.4992% | 2,008 |
| Total risk-based capital ratio | 18.7499% | 1,963 |
| Memoranda: | ||
| Average total assets | $14,790,801,600 | 93 |
| Average earning assets | $13,439,930,000 | 92 |
| Average equity | $1,958,222,400 | 80 |
| Average total loans | $9,835,296,600 | 94 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0324% | 3,099 |
| Cost of funding earning assets | 0.8776% | 325 |
| Net interest margin | 3.1548% | 4,624 |
| Noninterest income to average assets | 0.3564% | 4,237 |
| Noninterest expense to average assets | 1.5276% | 5,737 |
| Loan and lease loss provision to assets | -0.0578% | 5,735 |
| Net operating income to assets | 1.1661% | 1,742 |
| Return on assets (ROA) | 1.1661% | 1,850 |
| Pretax return on assets | 1.7522% | 993 |
| Return on Equity (ROE) | 8.7954% | 2,605 |
| Retained earnings to average equity (ytd only) | -0.4662% | 5,434 |
| Net charge-offs to loans | -0.1643% | 5,711 |
| Credit loss provision to net charge-offs | 53.3645% | 2,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9269% | 5,633 |
| Assets per employee ($millions) | 8.2422% | 534 |
| Cash dividends to net income (ytd only)* | 105.3006% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 3,664 |
| Loan loss allowance to noncurrent loans | 208.6287% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.5605% | 3,227 |
| Noncurrent loans to loans | 0.5428% | 3,367 |
| Net loans and leases to total assets | 66.5618% | 3,029 |
| Net loans and leases to deposits | 92.8904% | 1,382 |
| Net loans and leases to core deposits | 97.5937% | 1,852 |
| Total domestic deposits to total assets | 71.6563% | 5,611 |
| Equity capital to assets | 13.1282% | 1,426 |
| Core capital (leverage) ratio | 11.4530% | 2,072 |
| Tier 1 risk-based capital ratio | 17.3196% | 2,123 |
| Total risk-based capital ratio | 18.5376% | 2,092 |
| Memoranda: | ||
| Average total assets | $14,767,196,000 | 93 |
| Average earning assets | $13,413,772,750 | 92 |
| Average equity | $1,957,861,750 | 80 |
| Average total loans | $9,730,799,000 | 93 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0536% | 3,050 |
| Cost of funding earning assets | 0.8709% | 334 |
| Net interest margin | 3.1827% | 4,602 |
| Noninterest income to average assets | 0.3533% | 4,248 |
| Noninterest expense to average assets | 1.5409% | 5,808 |
| Loan and lease loss provision to assets | -0.0448% | 5,821 |
| Net operating income to assets | 1.1545% | 1,755 |
| Return on assets (ROA) | 1.1545% | 1,869 |
| Pretax return on assets | 1.7473% | 982 |
| Return on Equity (ROE) | 8.6791% | 2,646 |
| Retained earnings to average equity (ytd only) | -0.1005% | 5,305 |
| Net charge-offs to loans | -0.1332% | 5,709 |
| Credit loss provision to net charge-offs | 51.4419% | 2,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0145% | 5,710 |
| Assets per employee ($millions) | 8.1559% | 532 |
| Cash dividends to net income (ytd only)* | 101.1574% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 3,718 |
| Loan loss allowance to noncurrent loans | 175.6777% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.6402% | 3,081 |
| Noncurrent loans to loans | 0.6490% | 3,127 |
| Net loans and leases to total assets | 64.9554% | 3,231 |
| Net loans and leases to deposits | 90.7864% | 1,656 |
| Net loans and leases to core deposits | 95.3060% | 2,041 |
| Total domestic deposits to total assets | 71.5475% | 5,696 |
| Equity capital to assets | 13.2011% | 1,387 |
| Core capital (leverage) ratio | 11.5707% | 1,934 |
| Tier 1 risk-based capital ratio | 17.8997% | 1,959 |
| Total risk-based capital ratio | 19.1276% | 1,928 |
| Memoranda: | ||
| Average total assets | $14,727,804,000 | 94 |
| Average earning assets | $13,373,655,330 | 93 |
| Average equity | $1,959,089,330 | 80 |
| Average total loans | $9,633,909,000 | 93 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0875% | 2,890 |
| Cost of funding earning assets | 0.8622% | 363 |
| Net interest margin | 3.2253% | 4,497 |
| Noninterest income to average assets | 0.3412% | 4,289 |
| Noninterest expense to average assets | 1.5835% | 5,844 |
| Loan and lease loss provision to assets | -0.0409% | 5,936 |
| Net operating income to assets | 1.1417% | 1,743 |
| Return on assets (ROA) | 1.1417% | 1,863 |
| Pretax return on assets | 1.7274% | 998 |
| Return on Equity (ROE) | 8.5499% | 2,634 |
| Retained earnings to average equity (ytd only) | -2.2637% | 5,409 |
| Net charge-offs to loans | -0.1469% | 5,768 |
| Credit loss provision to net charge-offs | 42.6379% | 2,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9201% | 5,728 |
| Assets per employee ($millions) | 7.9859% | 572 |
| Cash dividends to net income (ytd only)* | 126.4766% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 3,846 |
| Loan loss allowance to noncurrent loans | 157.1551% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.7411% | 2,859 |
| Noncurrent loans to loans | 0.7245% | 3,025 |
| Net loans and leases to total assets | 65.0600% | 3,098 |
| Net loans and leases to deposits | 90.1977% | 1,559 |
| Net loans and leases to core deposits | 94.4325% | 1,946 |
| Total domestic deposits to total assets | 72.1305% | 5,763 |
| Equity capital to assets | 13.3129% | 1,262 |
| Core capital (leverage) ratio | 11.6099% | 1,898 |
| Tier 1 risk-based capital ratio | 17.9682% | 1,992 |
| Total risk-based capital ratio | 19.1939% | 1,966 |
| Memoranda: | ||
| Average total assets | $14,682,069,000 | 94 |
| Average earning assets | $13,332,720,500 | 94 |
| Average equity | $1,960,483,500 | 80 |
| Average total loans | $9,582,394,000 | 93 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0677% | 3,038 |
| Cost of funding earning assets | 0.8530% | 362 |
| Net interest margin | 3.2147% | 4,577 |
| Noninterest income to average assets | 0.2910% | 4,810 |
| Noninterest expense to average assets | 1.6533% | 5,885 |
| Loan and lease loss provision to assets | -0.0471% | 5,738 |
| Net operating income to assets | 1.0382% | 2,178 |
| Return on assets (ROA) | 1.0812% | 2,070 |
| Pretax return on assets | 1.6813% | 1,042 |
| Return on Equity (ROE) | 8.0480% | 2,937 |
| Retained earnings to average equity (ytd only) | 2.0615% | 4,557 |
| Net charge-offs to loans | -0.0625% | 5,628 |
| Credit loss provision to net charge-offs | 122.2817% | 2,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6611% | 5,727 |
| Assets per employee ($millions) | 8.0515% | 546 |
| Cash dividends to net income (ytd only)* | 74.3854% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 3,836 |
| Loan loss allowance to noncurrent loans | 149.8979% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.7764% | 2,739 |
| Noncurrent loans to loans | 0.7569% | 2,911 |
| Net loans and leases to total assets | 63.9892% | 3,283 |
| Net loans and leases to deposits | 88.2321% | 1,850 |
| Net loans and leases to core deposits | 92.2689% | 2,191 |
| Total domestic deposits to total assets | 72.5238% | 5,764 |
| Equity capital to assets | 13.3929% | 1,168 |
| Core capital (leverage) ratio | 11.6935% | 1,821 |
| Tier 1 risk-based capital ratio | 18.4756% | 1,839 |
| Total risk-based capital ratio | 19.7045% | 1,786 |
| Memoranda: | ||
| Average total assets | $14,548,119,600 | 93 |
| Average earning assets | $13,256,870,400 | 92 |
| Average equity | $1,954,385,600 | 81 |
| Average total loans | $8,962,429,400 | 96 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0578% | 3,109 |
| Cost of funding earning assets | 0.8548% | 370 |
| Net interest margin | 3.2030% | 4,661 |
| Noninterest income to average assets | 0.3010% | 4,781 |
| Noninterest expense to average assets | 1.6263% | 5,966 |
| Loan and lease loss provision to assets | -0.0629% | 5,940 |
| Net operating income to assets | 1.0652% | 2,149 |
| Return on assets (ROA) | 1.1219% | 1,993 |
| Pretax return on assets | 1.7466% | 1,001 |
| Return on Equity (ROE) | 8.3448% | 2,909 |
| Retained earnings to average equity (ytd only) | 1.1692% | 5,248 |
| Net charge-offs to loans | -0.0684% | 5,654 |
| Credit loss provision to net charge-offs | 151.2254% | 1,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7646% | 5,791 |
| Assets per employee ($millions) | 7.9290% | 562 |
| Cash dividends to net income (ytd only)* | 85.9895% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 3,916 |
| Loan loss allowance to noncurrent loans | 147.1271% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.9175% | 2,566 |
| Noncurrent loans to loans | 0.7824% | 3,008 |
| Net loans and leases to total assets | 62.9497% | 3,462 |
| Net loans and leases to deposits | 86.1678% | 2,122 |
| Net loans and leases to core deposits | 90.1294% | 2,454 |
| Total domestic deposits to total assets | 73.0548% | 5,782 |
| Equity capital to assets | 13.3754% | 1,282 |
| Core capital (leverage) ratio | 11.6595% | 1,914 |
| Tier 1 risk-based capital ratio | 18.7309% | 1,844 |
| Total risk-based capital ratio | 19.9845% | 1,805 |
| Memoranda: | ||
| Average total assets | $14,511,637,750 | 94 |
| Average earning assets | $13,231,195,750 | 93 |
| Average equity | $1,950,992,500 | 81 |
| Average total loans | $8,825,410,000 | 98 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0162% | 3,217 |
| Cost of funding earning assets | 0.8603% | 359 |
| Net interest margin | 3.1559% | 4,808 |
| Noninterest income to average assets | 0.2727% | 4,997 |
| Noninterest expense to average assets | 1.6581% | 6,009 |
| Loan and lease loss provision to assets | -0.0876% | 6,074 |
| Net operating income to assets | 1.0150% | 2,314 |
| Return on assets (ROA) | 1.1002% | 2,044 |
| Pretax return on assets | 1.7100% | 1,066 |
| Return on Equity (ROE) | 8.1692% | 2,954 |
| Retained earnings to average equity (ytd only) | -0.5417% | 5,615 |
| Net charge-offs to loans | -0.0648% | 5,639 |
| Credit loss provision to net charge-offs | 225.8627% | 1,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9026% | 5,721 |
| Assets per employee ($millions) | 7.8148% | 579 |
| Cash dividends to net income (ytd only)* | 106.6312% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 3,817 |
| Loan loss allowance to noncurrent loans | 144.5123% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.9557% | 2,621 |
| Noncurrent loans to loans | 0.8278% | 3,054 |
| Net loans and leases to total assets | 60.6944% | 3,727 |
| Net loans and leases to deposits | 82.3907% | 2,513 |
| Net loans and leases to core deposits | 86.2433% | 2,743 |
| Total domestic deposits to total assets | 73.6666% | 5,819 |
| Equity capital to assets | 13.4862% | 1,174 |
| Core capital (leverage) ratio | 11.4887% | 1,998 |
| Tier 1 risk-based capital ratio | 19.3523% | 1,710 |
| Total risk-based capital ratio | 20.6133% | 1,674 |
| Memoranda: | ||
| Average total assets | $14,491,025,330 | 96 |
| Average earning assets | $13,200,635,330 | 95 |
| Average equity | $1,951,569,330 | 82 |
| Average total loans | $8,673,617,670 | 100 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0542% | 3,027 |
| Cost of funding earning assets | 0.8575% | 366 |
| Net interest margin | 3.1967% | 4,626 |
| Noninterest income to average assets | 0.2557% | 5,132 |
| Noninterest expense to average assets | 1.5413% | 6,152 |
| Loan and lease loss provision to assets | -0.1086% | 6,214 |
| Net operating income to assets | 1.1158% | 1,816 |
| Return on assets (ROA) | 1.1158% | 1,921 |
| Pretax return on assets | 1.7331% | 985 |
| Return on Equity (ROE) | 8.2906% | 2,812 |
| Retained earnings to average equity (ytd only) | 1.1414% | 5,026 |
| Net charge-offs to loans | -0.1453% | 5,971 |
| Credit loss provision to net charge-offs | 126.4489% | 1,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8322% | 6,029 |
| Assets per employee ($millions) | 7.8325% | 587 |
| Cash dividends to net income (ytd only)* | 86.2324% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 3,687 |
| Loan loss allowance to noncurrent loans | 122.7595% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 1.1555% | 2,328 |
| Noncurrent loans to loans | 1.0182% | 2,727 |
| Net loans and leases to total assets | 58.5857% | 3,864 |
| Net loans and leases to deposits | 80.1312% | 2,546 |
| Net loans and leases to core deposits | 83.9149% | 2,782 |
| Total domestic deposits to total assets | 73.1122% | 5,970 |
| Equity capital to assets | 13.4261% | 1,201 |
| Core capital (leverage) ratio | 11.5185% | 1,995 |
| Tier 1 risk-based capital ratio | 19.9689% | 1,627 |
| Total risk-based capital ratio | 21.2298% | 1,596 |
| Memoranda: | ||
| Average total assets | $14,550,808,500 | 95 |
| Average earning assets | $13,246,837,500 | 95 |
| Average equity | $1,958,273,500 | 81 |
| Average total loans | $8,596,284,500 | 98 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0671% | 3,446 |
| Cost of funding earning assets | 0.9360% | 316 |
| Net interest margin | 3.1311% | 5,126 |
| Noninterest income to average assets | 0.1598% | 5,906 |
| Noninterest expense to average assets | 1.4688% | 6,309 |
| Loan and lease loss provision to assets | -0.1119% | 6,167 |
| Net operating income to assets | 1.0700% | 2,086 |
| Return on assets (ROA) | 1.0700% | 2,139 |
| Pretax return on assets | 1.6654% | 1,057 |
| Return on Equity (ROE) | 7.9482% | 3,168 |
| Retained earnings to average equity (ytd only) | 0.8075% | 5,406 |
| Net charge-offs to loans | -0.1111% | 6,136 |
| Credit loss provision to net charge-offs | 177.3969% | 1,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7186% | 6,194 |
| Assets per employee ($millions) | 7.7841% | 582 |
| Cash dividends to net income (ytd only)* | 89.8403% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 3,415 |
| Loan loss allowance to noncurrent loans | 99.7572% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.3563% | 2,060 |
| Noncurrent loans to loans | 1.3044% | 2,268 |
| Net loans and leases to total assets | 58.0608% | 4,038 |
| Net loans and leases to deposits | 79.4150% | 2,794 |
| Net loans and leases to core deposits | 83.3602% | 2,966 |
| Total domestic deposits to total assets | 73.1106% | 6,010 |
| Equity capital to assets | 13.4905% | 1,165 |
| Core capital (leverage) ratio | 11.3304% | 2,105 |
| Tier 1 risk-based capital ratio | 21.8980% | 1,238 |
| Total risk-based capital ratio | 23.1583% | 1,217 |
| Memoranda: | ||
| Average total assets | $14,563,900,800 | 91 |
| Average earning assets | $13,314,806,600 | 89 |
| Average equity | $1,960,605,400 | 78 |
| Average total loans | $8,272,545,200 | 100 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0642% | 3,511 |
| Cost of funding earning assets | 0.9398% | 321 |
| Net interest margin | 3.1243% | 5,185 |
| Noninterest income to average assets | 0.1395% | 6,079 |
| Noninterest expense to average assets | 1.4273% | 6,386 |
| Loan and lease loss provision to assets | -0.0988% | 6,272 |
| Net operating income to assets | 1.0730% | 2,144 |
| Return on assets (ROA) | 1.0730% | 2,210 |
| Pretax return on assets | 1.6705% | 1,139 |
| Return on Equity (ROE) | 7.9744% | 3,223 |
| Retained earnings to average equity (ytd only) | 3.2173% | 4,343 |
| Net charge-offs to loans | -0.1356% | 6,215 |
| Credit loss provision to net charge-offs | 129.3843% | 1,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7222% | 6,256 |
| Assets per employee ($millions) | 7.7307% | 582 |
| Cash dividends to net income (ytd only)* | 59.6547% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 3,363 |
| Loan loss allowance to noncurrent loans | 120.0034% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 1.2494% | 2,458 |
| Noncurrent loans to loans | 1.1316% | 2,795 |
| Net loans and leases to total assets | 56.4003% | 4,281 |
| Net loans and leases to deposits | 77.5639% | 2,998 |
| Net loans and leases to core deposits | 81.4049% | 3,160 |
| Total domestic deposits to total assets | 72.7146% | 6,114 |
| Equity capital to assets | 13.4421% | 1,211 |
| Core capital (leverage) ratio | 11.4627% | 2,093 |
| Tier 1 risk-based capital ratio | 22.8483% | 1,142 |
| Total risk-based capital ratio | 24.1083% | 1,117 |
| Memoranda: | ||
| Average total assets | $14,581,381,500 | 88 |
| Average earning assets | $13,345,166,750 | 89 |
| Average equity | $1,961,930,500 | 79 |
| Average total loans | $8,209,116,000 | 100 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0699% | 3,468 |
| Cost of funding earning assets | 0.9468% | 323 |
| Net interest margin | 3.1232% | 5,179 |
| Noninterest income to average assets | 0.1074% | 6,261 |
| Noninterest expense to average assets | 1.4184% | 6,459 |
| Loan and lease loss provision to assets | -0.1010% | 6,376 |
| Net operating income to assets | 1.0590% | 2,087 |
| Return on assets (ROA) | 1.0590% | 2,161 |
| Pretax return on assets | 1.6458% | 1,148 |
| Return on Equity (ROE) | 7.8684% | 3,178 |
| Retained earnings to average equity (ytd only) | 4.2872% | 3,443 |
| Net charge-offs to loans | -0.0920% | 6,121 |
| Credit loss provision to net charge-offs | 196.0973% | 1,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0403% | 6,323 |
| Assets per employee ($millions) | 7.5932% | 591 |
| Cash dividends to net income (ytd only)* | 45.5137% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4020% | 3,338 |
| Loan loss allowance to noncurrent loans | 107.2428% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 1.4083% | 2,325 |
| Noncurrent loans to loans | 1.3073% | 2,625 |
| Net loans and leases to total assets | 55.2554% | 4,379 |
| Net loans and leases to deposits | 75.8495% | 3,075 |
| Net loans and leases to core deposits | 79.7967% | 3,235 |
| Total domestic deposits to total assets | 72.8487% | 6,196 |
| Equity capital to assets | 13.4038% | 1,195 |
| Core capital (leverage) ratio | 11.5788% | 1,940 |
| Tier 1 risk-based capital ratio | 23.1428% | 1,093 |
| Total risk-based capital ratio | 24.4068% | 1,075 |
| Memoranda: | ||
| Average total assets | $14,522,518,000 | 88 |
| Average earning assets | $13,279,091,000 | 89 |
| Average equity | $1,954,644,670 | 77 |
| Average total loans | $8,132,780,000 | 100 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0553% | 3,448 |
| Cost of funding earning assets | 0.9576% | 325 |
| Net interest margin | 3.0977% | 5,260 |
| Noninterest income to average assets | 0.1388% | 6,149 |
| Noninterest expense to average assets | 1.4122% | 6,553 |
| Loan and lease loss provision to assets | -0.1205% | 6,513 |
| Net operating income to assets | 1.0810% | 1,892 |
| Return on assets (ROA) | 1.0810% | 1,958 |
| Pretax return on assets | 1.6790% | 1,018 |
| Return on Equity (ROE) | 8.0146% | 2,921 |
| Retained earnings to average equity (ytd only) | 8.0146% | 1,589 |
| Net charge-offs to loans | -0.0756% | 5,993 |
| Credit loss provision to net charge-offs | 284.7012% | 826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8570% | 6,399 |
| Assets per employee ($millions) | 7.7832% | 540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 3,377 |
| Loan loss allowance to noncurrent loans | 93.6734% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.5866% | 2,223 |
| Noncurrent loans to loans | 1.5449% | 2,495 |
| Net loans and leases to total assets | 55.4553% | 4,216 |
| Net loans and leases to deposits | 76.8438% | 2,707 |
| Net loans and leases to core deposits | 80.9796% | 2,853 |
| Total domestic deposits to total assets | 72.1662% | 6,349 |
| Equity capital to assets | 13.6792% | 1,042 |
| Core capital (leverage) ratio | 11.7381% | 1,811 |
| Tier 1 risk-based capital ratio | 23.9890% | 1,001 |
| Total risk-based capital ratio | 25.2510% | 982 |
| Memoranda: | ||
| Average total assets | $14,387,980,500 | 87 |
| Average earning assets | $13,153,541,000 | 87 |
| Average equity | $1,940,649,000 | 75 |
| Average total loans | $8,054,485,500 | 98 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2986% | 2,965 |
| Cost of funding earning assets | 1.0895% | 302 |
| Net interest margin | 3.2091% | 4,972 |
| Noninterest income to average assets | 0.0877% | 6,431 |
| Noninterest expense to average assets | 1.2533% | 6,699 |
| Loan and lease loss provision to assets | -0.0513% | 6,388 |
| Net operating income to assets | 1.1749% | 1,667 |
| Return on assets (ROA) | 1.1749% | 1,721 |
| Pretax return on assets | 1.8178% | 727 |
| Return on Equity (ROE) | 8.2894% | 2,889 |
| Retained earnings to average equity (ytd only) | 2.3417% | 4,580 |
| Net charge-offs to loans | 0.0228% | 4,972 |
| Credit loss provision to net charge-offs | -376.5805% | 6,095 |
| Earnings coverage of net charge-offs (x) | 129.6124% | 359 |
| Efficiency ratio | 40.9444% | 6,674 |
| Assets per employee ($millions) | 7.7966% | 524 |
| Cash dividends to net income (ytd only)* | 71.7502% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4725% | 3,323 |
| Loan loss allowance to noncurrent loans | 85.5684% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 1.7408% | 2,124 |
| Noncurrent loans to loans | 1.7209% | 2,334 |
| Net loans and leases to total assets | 54.8724% | 4,481 |
| Net loans and leases to deposits | 75.7181% | 2,994 |
| Net loans and leases to core deposits | 79.7522% | 3,161 |
| Total domestic deposits to total assets | 72.4694% | 6,389 |
| Equity capital to assets | 13.2974% | 1,144 |
| Core capital (leverage) ratio | 12.0120% | 1,601 |
| Tier 1 risk-based capital ratio | 23.8029% | 976 |
| Total risk-based capital ratio | 25.0606% | 961 |
| Memoranda: | ||
| Average total assets | $13,346,848,200 | 91 |
| Average earning assets | $12,194,628,200 | 90 |
| Average equity | $1,891,724,800 | 74 |
| Average total loans | $7,966,146,600 | 94 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3636% | 2,721 |
| Cost of funding earning assets | 1.1167% | 285 |
| Net interest margin | 3.2469% | 4,840 |
| Noninterest income to average assets | 0.1051% | 6,465 |
| Noninterest expense to average assets | 1.2611% | 6,763 |
| Loan and lease loss provision to assets | -0.0229% | 6,498 |
| Net operating income to assets | 1.1872% | 1,674 |
| Return on assets (ROA) | 1.1872% | 1,746 |
| Pretax return on assets | 1.8335% | 833 |
| Return on Equity (ROE) | 8.2358% | 3,007 |
| Retained earnings to average equity (ytd only) | 0.2804% | 5,858 |
| Net charge-offs to loans | 0.1314% | 3,223 |
| Credit loss provision to net charge-offs | -28.7136% | 5,664 |
| Earnings coverage of net charge-offs (x) | 22.6695% | 1,485 |
| Efficiency ratio | 40.5808% | 6,738 |
| Assets per employee ($millions) | 8.9805% | 309 |
| Cash dividends to net income (ytd only)* | 96.5959% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4700% | 3,590 |
| Loan loss allowance to noncurrent loans | 74.6860% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 2.1745% | 1,834 |
| Noncurrent loans to loans | 1.9683% | 2,291 |
| Net loans and leases to total assets | 59.8002% | 3,729 |
| Net loans and leases to deposits | 85.3863% | 1,694 |
| Net loans and leases to core deposits | 90.3202% | 1,939 |
| Total domestic deposits to total assets | 70.0349% | 6,596 |
| Equity capital to assets | 14.3792% | 859 |
| Core capital (leverage) ratio | 12.5932% | 1,372 |
| Tier 1 risk-based capital ratio | 24.3751% | 945 |
| Total risk-based capital ratio | 25.6365% | 924 |
| Memoranda: | ||
| Average total assets | $13,081,510,250 | 92 |
| Average earning assets | $11,951,883,250 | 90 |
| Average equity | $1,885,678,500 | 73 |
| Average total loans | $7,951,610,750 | 95 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3263% | 2,848 |
| Cost of funding earning assets | 1.1189% | 309 |
| Net interest margin | 3.2074% | 4,921 |
| Noninterest income to average assets | 0.0365% | 6,707 |
| Noninterest expense to average assets | 1.2453% | 6,818 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1258% | 1,831 |
| Return on assets (ROA) | 1.1258% | 1,951 |
| Pretax return on assets | 1.7210% | 1,067 |
| Return on Equity (ROE) | 7.8038% | 3,187 |
| Retained earnings to average equity (ytd only) | 1.3944% | 5,326 |
| Net charge-offs to loans | 0.2193% | 2,430 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 12.9037% | 1,942 |
| Efficiency ratio | 41.4503% | 6,768 |
| Assets per employee ($millions) | 9.1452% | 286 |
| Cash dividends to net income (ytd only)* | 82.1314% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5106% | 3,542 |
| Loan loss allowance to noncurrent loans | 67.8069% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 2.3273% | 1,854 |
| Noncurrent loans to loans | 2.2277% | 2,140 |
| Net loans and leases to total assets | 59.1723% | 3,800 |
| Net loans and leases to deposits | 84.5958% | 1,726 |
| Net loans and leases to core deposits | 89.6052% | 1,941 |
| Total domestic deposits to total assets | 69.9472% | 6,662 |
| Equity capital to assets | 14.5219% | 818 |
| Core capital (leverage) ratio | 12.7049% | 1,286 |
| Tier 1 risk-based capital ratio | 25.3317% | 836 |
| Total risk-based capital ratio | 26.5892% | 819 |
| Memoranda: | ||
| Average total assets | $13,080,495,330 | 92 |
| Average earning assets | $11,948,713,670 | 91 |
| Average equity | $1,887,085,000 | 72 |
| Average total loans | $7,955,039,330 | 95 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2919% | 2,919 |
| Cost of funding earning assets | 1.1178% | 343 |
| Net interest margin | 3.1741% | 5,017 |
| Noninterest income to average assets | -0.0292% | 6,890 |
| Noninterest expense to average assets | 1.2174% | 6,903 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1039% | 1,841 |
| Return on assets (ROA) | 1.1039% | 1,948 |
| Pretax return on assets | 1.6506% | 1,190 |
| Return on Equity (ROE) | 7.6771% | 3,123 |
| Retained earnings to average equity (ytd only) | 1.2102% | 5,366 |
| Net charge-offs to loans | 0.1966% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 13.7246% | 1,503 |
| Efficiency ratio | 42.0518% | 6,839 |
| Assets per employee ($millions) | 9.1162% | 304 |
| Cash dividends to net income (ytd only)* | 84.2368% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5509% | 3,613 |
| Loan loss allowance to noncurrent loans | 69.8641% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 2.3266% | 1,996 |
| Noncurrent loans to loans | 2.2199% | 2,367 |
| Net loans and leases to total assets | 59.4643% | 3,523 |
| Net loans and leases to deposits | 84.6631% | 1,509 |
| Net loans and leases to core deposits | 89.2431% | 1,779 |
| Total domestic deposits to total assets | 70.2363% | 6,754 |
| Equity capital to assets | 14.3987% | 907 |
| Core capital (leverage) ratio | 12.5506% | 1,315 |
| Tier 1 risk-based capital ratio | 25.4328% | 847 |
| Total risk-based capital ratio | 26.6915% | 832 |
| Memoranda: | ||
| Average total assets | $13,113,905,500 | 92 |
| Average earning assets | $11,969,619,500 | 91 |
| Average equity | $1,885,712,500 | 73 |
| Average total loans | $8,023,258,500 | 95 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6962% | 2,611 |
| Cost of funding earning assets | 1.4516% | 205 |
| Net interest margin | 3.2446% | 5,444 |
| Noninterest income to average assets | 0.0285% | 6,758 |
| Noninterest expense to average assets | 1.7938% | 6,632 |
| Loan and lease loss provision to assets | 0.2818% | 2,402 |
| Net operating income to assets | 0.6006% | 4,233 |
| Return on assets (ROA) | 1.0605% | 2,276 |
| Pretax return on assets | 1.6552% | 1,250 |
| Return on Equity (ROE) | 7.4867% | 3,348 |
| Retained earnings to average equity (ytd only) | 1.5916% | 5,077 |
| Net charge-offs to loans | 0.8124% | 1,441 |
| Credit loss provision to net charge-offs | 56.7474% | 4,530 |
| Earnings coverage of net charge-offs (x) | 2.4537% | 4,182 |
| Efficiency ratio | 59.1792% | 5,671 |
| Assets per employee ($millions) | 9.1676% | 313 |
| Cash dividends to net income (ytd only)* | 78.7408% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5613% | 3,468 |
| Loan loss allowance to noncurrent loans | 64.2435% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 2.4138% | 2,030 |
| Noncurrent loans to loans | 2.4303% | 2,186 |
| Net loans and leases to total assets | 60.9946% | 3,420 |
| Net loans and leases to deposits | 86.2981% | 1,480 |
| Net loans and leases to core deposits | 88.9978% | 1,968 |
| Total domestic deposits to total assets | 70.6790% | 6,763 |
| Equity capital to assets | 14.3602% | 919 |
| Core capital (leverage) ratio | 12.4881% | 1,323 |
| Tier 1 risk-based capital ratio | 24.9888% | 854 |
| Total risk-based capital ratio | 26.2480% | 844 |
| Memoranda: | ||
| Average total assets | $13,253,083,200 | 89 |
| Average earning assets | $12,187,488,400 | 86 |
| Average equity | $1,877,353,200 | 73 |
| Average total loans | $8,100,501,400 | 90 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7812% | 2,460 |
| Cost of funding earning assets | 1.5349% | 170 |
| Net interest margin | 3.2463% | 5,561 |
| Noninterest income to average assets | 0.0490% | 6,809 |
| Noninterest expense to average assets | 2.0121% | 6,333 |
| Loan and lease loss provision to assets | 0.3386% | 1,933 |
| Net operating income to assets | 0.4438% | 5,061 |
| Return on assets (ROA) | 1.0553% | 2,481 |
| Pretax return on assets | 1.6466% | 1,425 |
| Return on Equity (ROE) | 7.4755% | 3,539 |
| Retained earnings to average equity (ytd only) | 1.8336% | 5,418 |
| Net charge-offs to loans | 0.9206% | 1,177 |
| Credit loss provision to net charge-offs | 60.3782% | 4,138 |
| Earnings coverage of net charge-offs (x) | 1.8362% | 4,344 |
| Efficiency ratio | 65.7773% | 4,488 |
| Assets per employee ($millions) | 9.8944% | 248 |
| Cash dividends to net income (ytd only)* | 75.4718% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6929% | 3,176 |
| Loan loss allowance to noncurrent loans | 62.7099% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 2.6073% | 2,023 |
| Noncurrent loans to loans | 2.6995% | 2,101 |
| Net loans and leases to total assets | 62.0197% | 3,373 |
| Net loans and leases to deposits | 89.2794% | 1,232 |
| Net loans and leases to core deposits | 93.3827% | 1,637 |
| Total domestic deposits to total assets | 69.4670% | 6,866 |
| Equity capital to assets | 14.8102% | 869 |
| Core capital (leverage) ratio | 12.9167% | 1,220 |
| Tier 1 risk-based capital ratio | 26.0265% | 823 |
| Total risk-based capital ratio | 27.2885% | 805 |
| Memoranda: | ||
| Average total assets | $13,288,936,250 | 87 |
| Average earning assets | $12,251,316,500 | 82 |
| Average equity | $1,876,046,250 | 75 |
| Average total loans | $8,094,870,750 | 91 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8376% | 2,349 |
| Cost of funding earning assets | 1.5768% | 171 |
| Net interest margin | 3.2608% | 5,562 |
| Noninterest income to average assets | 0.0411% | 6,888 |
| Noninterest expense to average assets | 1.0370% | 7,180 |
| Loan and lease loss provision to assets | 0.4183% | 1,561 |
| Net operating income to assets | 1.0253% | 2,359 |
| Return on assets (ROA) | 1.0253% | 2,581 |
| Pretax return on assets | 1.5996% | 1,549 |
| Return on Equity (ROE) | 7.3736% | 3,577 |
| Retained earnings to average equity (ytd only) | 1.7554% | 5,318 |
| Net charge-offs to loans | 1.1003% | 988 |
| Credit loss provision to net charge-offs | 63.0995% | 3,723 |
| Earnings coverage of net charge-offs (x) | 3.0439% | 3,528 |
| Efficiency ratio | 33.5724% | 7,145 |
| Assets per employee ($millions) | 10.8882% | 183 |
| Cash dividends to net income (ytd only)* | 76.1934% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7588% | 2,990 |
| Loan loss allowance to noncurrent loans | 67.0326% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 2.4919% | 2,243 |
| Noncurrent loans to loans | 2.6238% | 2,290 |
| Net loans and leases to total assets | 58.7711% | 4,027 |
| Net loans and leases to deposits | 90.5038% | 1,096 |
| Net loans and leases to core deposits | 94.7975% | 1,524 |
| Total domestic deposits to total assets | 64.9377% | 7,066 |
| Equity capital to assets | 14.0073% | 1,096 |
| Core capital (leverage) ratio | 11.8656% | 1,673 |
| Tier 1 risk-based capital ratio | 25.1680% | 886 |
| Total risk-based capital ratio | 26.4309% | 870 |
| Memoranda: | ||
| Average total assets | $13,562,942,000 | 85 |
| Average earning assets | $12,535,301,000 | 81 |
| Average equity | $1,885,936,330 | 75 |
| Average total loans | $8,171,462,330 | 89 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9800% | 1,960 |
| Cost of funding earning assets | 1.5910% | 195 |
| Net interest margin | 3.3890% | 5,160 |
| Noninterest income to average assets | 0.0141% | 7,063 |
| Noninterest expense to average assets | 1.0442% | 7,248 |
| Loan and lease loss provision to assets | 0.5290% | 1,131 |
| Net operating income to assets | 1.0066% | 2,457 |
| Return on assets (ROA) | 1.0066% | 2,646 |
| Pretax return on assets | 1.5698% | 1,666 |
| Return on Equity (ROE) | 7.2654% | 3,623 |
| Retained earnings to average equity (ytd only) | 1.7130% | 5,374 |
| Net charge-offs to loans | 1.3962% | 720 |
| Credit loss provision to net charge-offs | 62.6719% | 3,060 |
| Earnings coverage of net charge-offs (x) | 2.4865% | 3,175 |
| Efficiency ratio | 32.8418% | 7,212 |
| Assets per employee ($millions) | 10.8711% | 190 |
| Cash dividends to net income (ytd only)* | 76.4227% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8128% | 2,950 |
| Loan loss allowance to noncurrent loans | 69.7007% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 2.5888% | 2,286 |
| Noncurrent loans to loans | 2.6008% | 2,503 |
| Net loans and leases to total assets | 58.9214% | 3,868 |
| Net loans and leases to deposits | 90.3436% | 939 |
| Net loans and leases to core deposits | 94.5525% | 1,411 |
| Total domestic deposits to total assets | 65.2192% | 7,124 |
| Equity capital to assets | 13.8591% | 1,070 |
| Core capital (leverage) ratio | 11.7045% | 1,766 |
| Tier 1 risk-based capital ratio | 24.7951% | 922 |
| Total risk-based capital ratio | 26.0589% | 911 |
| Memoranda: | ||
| Average total assets | $13,610,051,000 | 84 |
| Average earning assets | $12,565,809,500 | 81 |
| Average equity | $1,885,599,000 | 74 |
| Average total loans | $8,228,476,000 | 88 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1908% | 2,103 |
| Cost of funding earning assets | 1.7734% | 239 |
| Net interest margin | 3.4174% | 5,438 |
| Noninterest income to average assets | -0.2423% | 7,177 |
| Noninterest expense to average assets | 0.9760% | 7,297 |
| Loan and lease loss provision to assets | 0.5823% | 1,777 |
| Net operating income to assets | 0.8580% | 2,779 |
| Return on assets (ROA) | 0.8968% | 2,749 |
| Pretax return on assets | 1.3989% | 1,796 |
| Return on Equity (ROE) | 6.5281% | 3,627 |
| Retained earnings to average equity (ytd only) | 0.9827% | 5,400 |
| Net charge-offs to loans | 0.9657% | 1,785 |
| Credit loss provision to net charge-offs | 95.1463% | 3,793 |
| Earnings coverage of net charge-offs (x) | 3.1381% | 3,643 |
| Efficiency ratio | 33.3225% | 7,271 |
| Assets per employee ($millions) | 11.0016% | 181 |
| Cash dividends to net income (ytd only)* | 84.9466% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9038% | 2,555 |
| Loan loss allowance to noncurrent loans | 65.2203% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 3.0867% | 1,939 |
| Noncurrent loans to loans | 2.9190% | 2,233 |
| Net loans and leases to total assets | 59.7461% | 4,036 |
| Net loans and leases to deposits | 91.5937% | 1,003 |
| Net loans and leases to core deposits | 95.7597% | 1,519 |
| Total domestic deposits to total assets | 65.2296% | 7,146 |
| Equity capital to assets | 13.8498% | 1,127 |
| Core capital (leverage) ratio | 11.7272% | 1,750 |
| Tier 1 risk-based capital ratio | 23.6925% | 999 |
| Total risk-based capital ratio | 24.9572% | 983 |
| Memoranda: | ||
| Average total assets | $13,448,340,600 | 81 |
| Average earning assets | $12,352,122,600 | 81 |
| Average equity | $1,847,470,000 | 74 |
| Average total loans | $8,522,814,200 | 84 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2127% | 2,161 |
| Cost of funding earning assets | 1.8094% | 250 |
| Net interest margin | 3.4033% | 5,557 |
| Noninterest income to average assets | -0.1789% | 7,253 |
| Noninterest expense to average assets | 1.0064% | 7,371 |
| Loan and lease loss provision to assets | 0.6678% | 1,446 |
| Net operating income to assets | 0.8144% | 3,083 |
| Return on assets (ROA) | 0.8663% | 3,026 |
| Pretax return on assets | 1.3511% | 2,111 |
| Return on Equity (ROE) | 6.3189% | 3,867 |
| Retained earnings to average equity (ytd only) | 0.8306% | 5,676 |
| Net charge-offs to loans | 0.5626% | 2,555 |
| Credit loss provision to net charge-offs | 185.4675% | 1,583 |
| Earnings coverage of net charge-offs (x) | 5.3818% | 2,802 |
| Efficiency ratio | 33.9032% | 7,331 |
| Assets per employee ($millions) | 11.0117% | 187 |
| Cash dividends to net income (ytd only)* | 86.8546% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 4,706 |
| Loan loss allowance to noncurrent loans | 42.2688% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 3.4080% | 1,856 |
| Noncurrent loans to loans | 3.2316% | 2,145 |
| Net loans and leases to total assets | 61.8951% | 3,751 |
| Net loans and leases to deposits | 95.5010% | 725 |
| Net loans and leases to core deposits | 99.7870% | 1,263 |
| Total domestic deposits to total assets | 64.8110% | 7,235 |
| Equity capital to assets | 14.0234% | 1,147 |
| Core capital (leverage) ratio | 11.8240% | 1,812 |
| Tier 1 risk-based capital ratio | 23.4403% | 1,084 |
| Total risk-based capital ratio | 24.6762% | 1,068 |
| Memoranda: | ||
| Average total assets | $13,397,171,000 | 83 |
| Average earning assets | $12,294,436,250 | 80 |
| Average equity | $1,836,608,000 | 73 |
| Average total loans | $8,574,653,250 | 83 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2364% | 2,117 |
| Cost of funding earning assets | 1.8325% | 277 |
| Net interest margin | 3.4039% | 5,546 |
| Noninterest income to average assets | -0.1548% | 7,316 |
| Noninterest expense to average assets | 1.0024% | 7,454 |
| Loan and lease loss provision to assets | 0.7735% | 1,197 |
| Net operating income to assets | 0.7630% | 3,233 |
| Return on assets (ROA) | 0.8409% | 2,999 |
| Pretax return on assets | 1.3112% | 2,101 |
| Return on Equity (ROE) | 6.1814% | 3,866 |
| Retained earnings to average equity (ytd only) | 0.6220% | 5,612 |
| Net charge-offs to loans | 0.6738% | 2,152 |
| Credit loss provision to net charge-offs | 178.1841% | 1,692 |
| Earnings coverage of net charge-offs (x) | 4.5220% | 2,840 |
| Efficiency ratio | 33.5032% | 7,413 |
| Assets per employee ($millions) | 10.9667% | 189 |
| Cash dividends to net income (ytd only)* | 89.9378% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 4,902 |
| Loan loss allowance to noncurrent loans | 36.8565% | 5,831 |
| Noncurrent assets plus other real estate owned to assets | 3.8249% | 1,694 |
| Noncurrent loans to loans | 3.6198% | 1,945 |
| Net loans and leases to total assets | 63.3600% | 3,611 |
| Net loans and leases to deposits | 96.4680% | 690 |
| Net loans and leases to core deposits | 100.8017% | 1,270 |
| Total domestic deposits to total assets | 65.6798% | 7,267 |
| Equity capital to assets | 13.7756% | 1,172 |
| Core capital (leverage) ratio | 11.8215% | 1,708 |
| Tier 1 risk-based capital ratio | 23.0311% | 1,113 |
| Total risk-based capital ratio | 24.2646% | 1,103 |
| Memoranda: | ||
| Average total assets | $13,381,114,000 | 84 |
| Average earning assets | $12,265,636,670 | 83 |
| Average equity | $1,820,311,330 | 75 |
| Average total loans | $8,620,450,670 | 85 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1794% | 2,305 |
| Cost of funding earning assets | 1.8549% | 308 |
| Net interest margin | 3.3245% | 5,696 |
| Noninterest income to average assets | -0.1747% | 7,420 |
| Noninterest expense to average assets | 0.9870% | 7,516 |
| Loan and lease loss provision to assets | 0.9173% | 865 |
| Net operating income to assets | 0.6219% | 3,911 |
| Return on assets (ROA) | 0.7774% | 3,202 |
| Pretax return on assets | 1.2107% | 2,332 |
| Return on Equity (ROE) | 5.7510% | 4,046 |
| Retained earnings to average equity (ytd only) | -0.0967% | 5,806 |
| Net charge-offs to loans | 0.8612% | 1,533 |
| Credit loss provision to net charge-offs | 165.0741% | 1,758 |
| Earnings coverage of net charge-offs (x) | 3.3923% | 2,756 |
| Efficiency ratio | 33.9853% | 7,468 |
| Assets per employee ($millions) | 10.9194% | 197 |
| Cash dividends to net income (ytd only)* | 101.6806% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 5,360 |
| Loan loss allowance to noncurrent loans | 44.0982% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 3.4178% | 1,993 |
| Noncurrent loans to loans | 2.8460% | 2,650 |
| Net loans and leases to total assets | 63.1850% | 3,608 |
| Net loans and leases to deposits | 95.7290% | 710 |
| Net loans and leases to core deposits | 99.9677% | 1,339 |
| Total domestic deposits to total assets | 66.0040% | 7,327 |
| Equity capital to assets | 13.4816% | 1,190 |
| Core capital (leverage) ratio | 11.6792% | 1,754 |
| Tier 1 risk-based capital ratio | 23.0036% | 1,081 |
| Total risk-based capital ratio | 24.2364% | 1,069 |
| Memoranda: | ||
| Average total assets | $13,409,389,500 | 84 |
| Average earning assets | $12,288,746,000 | 82 |
| Average equity | $1,812,697,500 | 74 |
| Average total loans | $8,652,376,500 | 85 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4132% | 2,611 |
| Cost of funding earning assets | 2.1277% | 386 |
| Net interest margin | 3.2855% | 6,031 |
| Noninterest income to average assets | 0.1937% | 6,386 |
| Noninterest expense to average assets | 1.0900% | 7,568 |
| Loan and lease loss provision to assets | 1.0148% | 1,603 |
| Net operating income to assets | 0.9993% | 2,044 |
| Return on assets (ROA) | 1.0127% | 2,098 |
| Pretax return on assets | 1.1162% | 2,521 |
| Return on Equity (ROE) | 7.5329% | 2,884 |
| Retained earnings to average equity (ytd only) | 5.8698% | 1,898 |
| Net charge-offs to loans | 1.0356% | 2,129 |
| Credit loss provision to net charge-offs | 144.9333% | 2,555 |
| Earnings coverage of net charge-offs (x) | 3.0224% | 3,558 |
| Efficiency ratio | 33.5809% | 7,564 |
| Assets per employee ($millions) | 10.9556% | 199 |
| Cash dividends to net income (ytd only)* | 22.0777% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 5,694 |
| Loan loss allowance to noncurrent loans | 36.3505% | 5,889 |
| Noncurrent assets plus other real estate owned to assets | 3.6728% | 1,876 |
| Noncurrent loans to loans | 3.1905% | 2,386 |
| Net loans and leases to total assets | 64.3052% | 3,805 |
| Net loans and leases to deposits | 97.4490% | 757 |
| Net loans and leases to core deposits | 101.7494% | 1,474 |
| Total domestic deposits to total assets | 65.9885% | 7,392 |
| Equity capital to assets | 13.5545% | 1,166 |
| Core capital (leverage) ratio | 11.6606% | 1,751 |
| Tier 1 risk-based capital ratio | 22.6110% | 1,089 |
| Total risk-based capital ratio | 23.8326% | 1,076 |
| Memoranda: | ||
| Average total assets | $13,417,683,000 | 82 |
| Average earning assets | $12,303,210,400 | 80 |
| Average equity | $1,803,885,400 | 72 |
| Average total loans | $9,071,583,800 | 83 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4169% | 2,807 |
| Cost of funding earning assets | 2.1779% | 407 |
| Net interest margin | 3.2390% | 6,213 |
| Noninterest income to average assets | 0.3258% | 5,549 |
| Noninterest expense to average assets | 1.1149% | 7,680 |
| Loan and lease loss provision to assets | 1.0949% | 1,331 |
| Net operating income to assets | 1.0852% | 1,945 |
| Return on assets (ROA) | 1.1049% | 1,977 |
| Pretax return on assets | 1.1057% | 2,807 |
| Return on Equity (ROE) | 8.2352% | 2,814 |
| Retained earnings to average equity (ytd only) | 8.2352% | 1,340 |
| Net charge-offs to loans | 1.1285% | 1,807 |
| Credit loss provision to net charge-offs | 142.1608% | 2,777 |
| Earnings coverage of net charge-offs (x) | 2.8317% | 3,719 |
| Efficiency ratio | 33.4009% | 7,656 |
| Assets per employee ($millions) | 11.0289% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 6,011 |
| Loan loss allowance to noncurrent loans | 33.0031% | 6,135 |
| Noncurrent assets plus other real estate owned to assets | 3.7227% | 1,909 |
| Noncurrent loans to loans | 3.2825% | 2,414 |
| Net loans and leases to total assets | 66.4016% | 3,595 |
| Net loans and leases to deposits | 100.7953% | 600 |
| Net loans and leases to core deposits | 104.5465% | 1,438 |
| Total domestic deposits to total assets | 65.8777% | 7,475 |
| Equity capital to assets | 13.6568% | 1,293 |
| Core capital (leverage) ratio | 11.6687% | 1,835 |
| Tier 1 risk-based capital ratio | 22.1710% | 1,183 |
| Total risk-based capital ratio | 23.3921% | 1,156 |
| Memoranda: | ||
| Average total assets | $13,414,207,250 | 82 |
| Average earning assets | $12,300,389,500 | 80 |
| Average equity | $1,799,709,500 | 72 |
| Average total loans | $9,154,842,000 | 81 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4311% | 2,833 |
| Cost of funding earning assets | 2.2114% | 446 |
| Net interest margin | 3.2197% | 6,257 |
| Noninterest income to average assets | 0.7075% | 2,664 |
| Noninterest expense to average assets | 1.0815% | 7,758 |
| Loan and lease loss provision to assets | 1.2571% | 1,110 |
| Net operating income to assets | 1.4261% | 1,042 |
| Return on assets (ROA) | 1.4261% | 1,117 |
| Pretax return on assets | 1.3229% | 2,020 |
| Return on Equity (ROE) | 10.6936% | 1,861 |
| Retained earnings to average equity (ytd only) | 10.6936% | 713 |
| Net charge-offs to loans | 1.4978% | 1,277 |
| Credit loss provision to net charge-offs | 122.3064% | 3,307 |
| Earnings coverage of net charge-offs (x) | 2.5101% | 3,747 |
| Efficiency ratio | 29.1258% | 7,755 |
| Assets per employee ($millions) | 11.1033% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9728% | 6,512 |
| Loan loss allowance to noncurrent loans | 32.0346% | 6,228 |
| Noncurrent assets plus other real estate owned to assets | 3.4654% | 2,032 |
| Noncurrent loans to loans | 3.0367% | 2,652 |
| Net loans and leases to total assets | 66.6331% | 3,701 |
| Net loans and leases to deposits | 102.7675% | 546 |
| Net loans and leases to core deposits | 106.1607% | 1,427 |
| Total domestic deposits to total assets | 64.8387% | 7,565 |
| Equity capital to assets | 13.3546% | 1,412 |
| Core capital (leverage) ratio | 11.3568% | 2,009 |
| Tier 1 risk-based capital ratio | 21.4900% | 1,270 |
| Total risk-based capital ratio | 22.7145% | 1,252 |
| Memoranda: | ||
| Average total assets | $13,389,487,000 | 79 |
| Average earning assets | $12,284,631,000 | 77 |
| Average equity | $1,785,585,330 | 72 |
| Average total loans | $9,188,261,330 | 80 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4530% | 2,812 |
| Cost of funding earning assets | 2.2335% | 533 |
| Net interest margin | 3.2195% | 6,229 |
| Noninterest income to average assets | 2.2322% | 295 |
| Noninterest expense to average assets | 1.1973% | 7,830 |
| Loan and lease loss provision to assets | 1.9179% | 582 |
| Net operating income to assets | 2.4987% | 149 |
| Return on assets (ROA) | 2.4987% | 164 |
| Pretax return on assets | 2.0742% | 527 |
| Return on Equity (ROE) | 18.7505% | 455 |
| Retained earnings to average equity (ytd only) | 18.7505% | 220 |
| Net charge-offs to loans | 2.5039% | 651 |
| Credit loss provision to net charge-offs | 110.5007% | 3,121 |
| Earnings coverage of net charge-offs (x) | 2.3001% | 3,389 |
| Efficiency ratio | 22.7338% | 7,891 |
| Assets per employee ($millions) | 10.8171% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9134% | 6,803 |
| Loan loss allowance to noncurrent loans | 29.5906% | 6,424 |
| Noncurrent assets plus other real estate owned to assets | 3.4186% | 2,061 |
| Noncurrent loans to loans | 3.0868% | 2,595 |
| Net loans and leases to total assets | 67.4324% | 3,520 |
| Net loans and leases to deposits | 103.5688% | 554 |
| Net loans and leases to core deposits | 108.0712% | 1,413 |
| Total domestic deposits to total assets | 65.1088% | 7,644 |
| Equity capital to assets | 13.1017% | 1,484 |
| Core capital (leverage) ratio | 11.1745% | 2,115 |
| Tier 1 risk-based capital ratio | 20.8834% | 1,361 |
| Total risk-based capital ratio | 22.0328% | 1,349 |
| Memoranda: | ||
| Average total assets | $13,227,925,000 | 78 |
| Average earning assets | $12,150,236,500 | 76 |
| Average equity | $1,762,744,000 | 71 |
| Average total loans | $9,168,942,500 | 79 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8915% | 2,273 |
| Cost of funding earning assets | 2.5675% | 861 |
| Net interest margin | 3.3240% | 5,648 |
| Noninterest income to average assets | -0.1087% | 7,809 |
| Noninterest expense to average assets | 0.8731% | 7,955 |
| Loan and lease loss provision to assets | 1.8346% | 1,229 |
| Net operating income to assets | 0.1761% | 4,976 |
| Return on assets (ROA) | 0.2869% | 4,668 |
| Pretax return on assets | 0.4567% | 4,332 |
| Return on Equity (ROE) | 2.2117% | 4,828 |
| Retained earnings to average equity (ytd only) | 1.3216% | 4,118 |
| Net charge-offs to loans | 1.6724% | 1,511 |
| Credit loss provision to net charge-offs | 146.9516% | 3,211 |
| Earnings coverage of net charge-offs (x) | 1.6966% | 4,471 |
| Efficiency ratio | 28.3346% | 7,948 |
| Assets per employee ($millions) | 11.6719% | 180 |
| Cash dividends to net income (ytd only)* | 40.2448% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 6,064 |
| Loan loss allowance to noncurrent loans | 32.9421% | 6,257 |
| Noncurrent assets plus other real estate owned to assets | 3.3386% | 2,045 |
| Noncurrent loans to loans | 3.2347% | 2,357 |
| Net loans and leases to total assets | 69.9352% | 3,271 |
| Net loans and leases to deposits | 110.9422% | 352 |
| Net loans and leases to core deposits | 152.9278% | 442 |
| Total domestic deposits to total assets | 63.0375% | 7,735 |
| Equity capital to assets | 13.5702% | 1,292 |
| Core capital (leverage) ratio | 11.5335% | 1,899 |
| Tier 1 risk-based capital ratio | 21.1499% | 1,268 |
| Total risk-based capital ratio | 22.3551% | 1,246 |
| Memoranda: | ||
| Average total assets | $12,414,134,000 | 85 |
| Average earning assets | $11,577,143,000 | 82 |
| Average equity | $1,610,371,600 | 73 |
| Average total loans | $9,266,900,600 | 78 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9639% | 2,178 |
| Cost of funding earning assets | 2.6537% | 900 |
| Net interest margin | 3.3102% | 5,602 |
| Noninterest income to average assets | -0.0430% | 7,889 |
| Noninterest expense to average assets | 0.8796% | 8,048 |
| Loan and lease loss provision to assets | 1.7055% | 1,091 |
| Net operating income to assets | 0.2890% | 4,828 |
| Return on assets (ROA) | 0.2963% | 4,910 |
| Pretax return on assets | 0.4737% | 4,598 |
| Return on Equity (ROE) | 2.3118% | 5,056 |
| Retained earnings to average equity (ytd only) | 1.1047% | 4,704 |
| Net charge-offs to loans | 1.9958% | 987 |
| Credit loss provision to net charge-offs | 112.9459% | 4,496 |
| Earnings coverage of net charge-offs (x) | 1.4355% | 4,703 |
| Efficiency ratio | 28.0004% | 8,021 |
| Assets per employee ($millions) | 11.3889% | 197 |
| Cash dividends to net income (ytd only)* | 52.2129% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6574% | 7,476 |
| Loan loss allowance to noncurrent loans | 18.0432% | 7,196 |
| Noncurrent assets plus other real estate owned to assets | 3.5730% | 1,847 |
| Noncurrent loans to loans | 3.6435% | 2,056 |
| Net loans and leases to total assets | 71.3986% | 3,180 |
| Net loans and leases to deposits | 114.0602% | 323 |
| Net loans and leases to core deposits | 157.0049% | 445 |
| Total domestic deposits to total assets | 62.5973% | 7,805 |
| Equity capital to assets | 13.7159% | 1,411 |
| Core capital (leverage) ratio | 11.5577% | 2,040 |
| Tier 1 risk-based capital ratio | 20.7676% | 1,404 |
| Total risk-based capital ratio | 21.5745% | 1,446 |
| Memoranda: | ||
| Average total assets | $12,351,656,750 | 91 |
| Average earning assets | $11,531,377,750 | 82 |
| Average equity | $1,583,331,500 | 75 |
| Average total loans | $9,345,623,750 | 81 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0681% | 1,907 |
| Cost of funding earning assets | 2.7534% | 898 |
| Net interest margin | 3.3146% | 5,498 |
| Noninterest income to average assets | 0.0054% | 7,927 |
| Noninterest expense to average assets | 0.9070% | 8,140 |
| Loan and lease loss provision to assets | 1.7305% | 970 |
| Net operating income to assets | 0.2785% | 4,986 |
| Return on assets (ROA) | 0.2885% | 5,053 |
| Pretax return on assets | 0.4795% | 4,688 |
| Return on Equity (ROE) | 2.3060% | 5,180 |
| Retained earnings to average equity (ytd only) | 0.4393% | 5,040 |
| Net charge-offs to loans | 2.1928% | 832 |
| Credit loss provision to net charge-offs | 102.5443% | 4,461 |
| Earnings coverage of net charge-offs (x) | 1.3003% | 4,549 |
| Efficiency ratio | 28.3727% | 8,111 |
| Assets per employee ($millions) | 10.9980% | 207 |
| Cash dividends to net income (ytd only)* | 80.9510% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5673% | 7,697 |
| Loan loss allowance to noncurrent loans | 12.4487% | 7,441 |
| Noncurrent assets plus other real estate owned to assets | 4.1867% | 1,378 |
| Noncurrent loans to loans | 4.5572% | 1,408 |
| Net loans and leases to total assets | 75.6491% | 2,273 |
| Net loans and leases to deposits | 118.8579% | 260 |
| Net loans and leases to core deposits | 162.1404% | 419 |
| Total domestic deposits to total assets | 63.6467% | 7,847 |
| Equity capital to assets | 11.6546% | 2,417 |
| Core capital (leverage) ratio | 9.2092% | 4,297 |
| Tier 1 risk-based capital ratio | 15.8011% | 2,691 |
| Total risk-based capital ratio | 16.4852% | 2,852 |
| Memoranda: | ||
| Average total assets | $12,273,962,670 | 96 |
| Average earning assets | $11,464,337,670 | 90 |
| Average equity | $1,535,737,670 | 81 |
| Average total loans | $9,445,903,670 | 86 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0927% | 1,969 |
| Cost of funding earning assets | 2.8390% | 893 |
| Net interest margin | 3.2537% | 5,680 |
| Noninterest income to average assets | 0.0559% | 7,800 |
| Noninterest expense to average assets | 0.7999% | 8,195 |
| Loan and lease loss provision to assets | 1.7434% | 714 |
| Net operating income to assets | 0.3688% | 4,978 |
| Return on assets (ROA) | 0.3688% | 5,162 |
| Pretax return on assets | 0.5649% | 4,864 |
| Return on Equity (ROE) | 2.8522% | 5,425 |
| Retained earnings to average equity (ytd only) | 1.1597% | 5,176 |
| Net charge-offs to loans | 2.2518% | 645 |
| Credit loss provision to net charge-offs | 100.0463% | 3,713 |
| Earnings coverage of net charge-offs (x) | 1.3246% | 4,080 |
| Efficiency ratio | 24.8421% | 8,171 |
| Assets per employee ($millions) | 11.0179% | 209 |
| Cash dividends to net income (ytd only)* | 59.3416% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5846% | 7,683 |
| Loan loss allowance to noncurrent loans | 12.2937% | 7,479 |
| Noncurrent assets plus other real estate owned to assets | 4.3694% | 1,117 |
| Noncurrent loans to loans | 4.7550% | 1,167 |
| Net loans and leases to total assets | 76.9147% | 2,059 |
| Net loans and leases to deposits | 124.5914% | 207 |
| Net loans and leases to core deposits | 168.6282% | 369 |
| Total domestic deposits to total assets | 61.7336% | 7,925 |
| Equity capital to assets | 13.1368% | 1,686 |
| Core capital (leverage) ratio | 11.2199% | 2,324 |
| Tier 1 risk-based capital ratio | 19.2591% | 1,764 |
| Total risk-based capital ratio | 19.9773% | 1,828 |
| Memoranda: | ||
| Average total assets | $12,389,531,000 | 98 |
| Average earning assets | $11,622,581,500 | 90 |
| Average equity | $1,601,833,000 | 78 |
| Average total loans | $9,587,722,500 | 85 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4804% | 3,061 |
| Cost of funding earning assets | 3.4778% | 559 |
| Net interest margin | 3.0026% | 6,909 |
| Noninterest income to average assets | 0.2008% | 7,012 |
| Noninterest expense to average assets | 0.8048% | 8,230 |
| Loan and lease loss provision to assets | 1.5599% | 852 |
| Net operating income to assets | 0.4402% | 4,991 |
| Return on assets (ROA) | 0.4431% | 4,803 |
| Pretax return on assets | 0.6776% | 4,459 |
| Return on Equity (ROE) | 3.6695% | 4,965 |
| Retained earnings to average equity (ytd only) | 0.0196% | 5,226 |
| Net charge-offs to loans | 0.6930% | 1,769 |
| Credit loss provision to net charge-offs | 282.9775% | 1,612 |
| Earnings coverage of net charge-offs (x) | 4.0509% | 4,124 |
| Efficiency ratio | 25.7094% | 8,246 |
| Assets per employee ($millions) | 11.3474% | 192 |
| Cash dividends to net income (ytd only)* | 99.4669% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6070% | 7,666 |
| Loan loss allowance to noncurrent loans | 22.5296% | 7,120 |
| Noncurrent assets plus other real estate owned to assets | 2.5799% | 1,874 |
| Noncurrent loans to loans | 2.6940% | 2,013 |
| Net loans and leases to total assets | 76.9342% | 2,394 |
| Net loans and leases to deposits | 132.0378% | 183 |
| Net loans and leases to core deposits | 176.2012% | 328 |
| Total domestic deposits to total assets | 58.2668% | 8,006 |
| Equity capital to assets | 12.7252% | 1,908 |
| Core capital (leverage) ratio | 10.9208% | 2,654 |
| Tier 1 risk-based capital ratio | 18.9414% | 1,823 |
| Total risk-based capital ratio | 19.6952% | 1,874 |
| Memoranda: | ||
| Average total assets | $11,684,475,600 | 101 |
| Average earning assets | $11,040,529,600 | 96 |
| Average equity | $1,410,985,200 | 82 |
| Average total loans | $9,294,653,600 | 85 |