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Associated 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 | 5.3206% | 1,458 |
| Cost of funding earning assets | 2.4809% | 380 |
| Net interest margin | 2.8398% | 3,588 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 1.9889% | 3,660 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 0.5998% | 3,443 |
| Return on assets (ROA) | 0.4726% | 3,727 |
| Pretax return on assets | 0.5349% | 3,754 |
| Return on Equity (ROE) | 4.7000% | 3,774 |
| Retained earnings to average equity (ytd only) | -2.6247% | 4,305 |
| Net charge-offs to loans | 0.1647% | 637 |
| Credit loss provision to net charge-offs | 178.9166% | 1,324 |
| Earnings coverage of net charge-offs (x) | 7.4008% | 2,410 |
| Efficiency ratio | 68.4970% | 2,053 |
| Assets per employee ($millions) | 10.0263% | 699 |
| Cash dividends to net income (ytd only)* | 155.7964% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 2,317 |
| Loan loss allowance to noncurrent loans | 200.7513% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.4525% | 1,228 |
| Noncurrent loans to loans | 0.5961% | 1,321 |
| Net loans and leases to total assets | 70.7600% | 1,728 |
| Net loans and leases to deposits | 86.5683% | 1,576 |
| Net loans and leases to core deposits | 104.6687% | 1,184 |
| Total domestic deposits to total assets | 81.7400% | 3,173 |
| Equity capital to assets | 9.9605% | 2,034 |
| Core capital (leverage) ratio | 7.8155% | 4,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6369% | 2,676 |
| Memoranda: | ||
| Average total assets | $40,747,705,800 | 55 |
| Average earning assets | $36,794,602,600 | 54 |
| Average equity | $4,093,465,400 | 53 |
| Average total loans | $29,517,150,400 | 51 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1944% | 1,464 |
| Cost of funding earning assets | 2.3191% | 392 |
| Net interest margin | 2.8753% | 3,595 |
| Noninterest income to average assets | 0.6500% | 1,345 |
| Noninterest expense to average assets | 1.8748% | 3,842 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 0.9288% | 2,587 |
| Return on assets (ROA) | 0.9289% | 2,571 |
| Pretax return on assets | 1.1667% | 2,372 |
| Return on Equity (ROE) | 9.2300% | 2,866 |
| Retained earnings to average equity (ytd only) | -0.5367% | 4,218 |
| Net charge-offs to loans | 0.1485% | 559 |
| Credit loss provision to net charge-offs | 200.4556% | 1,120 |
| Earnings coverage of net charge-offs (x) | 12.6964% | 2,055 |
| Efficiency ratio | 57.1172% | 3,301 |
| Assets per employee ($millions) | 9.9541% | 679 |
| Cash dividends to net income (ytd only)* | 105.8167% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 2,661 |
| Loan loss allowance to noncurrent loans | 198.5319% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.4391% | 1,329 |
| Noncurrent loans to loans | 0.5758% | 1,394 |
| Net loans and leases to total assets | 71.9000% | 1,588 |
| Net loans and leases to deposits | 93.0208% | 966 |
| Net loans and leases to core deposits | 109.2550% | 901 |
| Total domestic deposits to total assets | 77.3000% | 3,897 |
| Equity capital to assets | 9.5061% | 2,092 |
| Core capital (leverage) ratio | 7.9732% | 4,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4828% | 2,732 |
| Memoranda: | ||
| Average total assets | $40,692,815,750 | 55 |
| Average earning assets | $36,769,300,250 | 55 |
| Average equity | $4,096,697,750 | 54 |
| Average total loans | $29,561,555,000 | 51 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0652% | 1,428 |
| Cost of funding earning assets | 2.1209% | 399 |
| Net interest margin | 2.9443% | 3,574 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 1.8689% | 3,879 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 0.9777% | 2,490 |
| Return on assets (ROA) | 0.9780% | 2,478 |
| Pretax return on assets | 1.2394% | 2,256 |
| Return on Equity (ROE) | 9.5300% | 2,823 |
| Retained earnings to average equity (ytd only) | 9.5320% | 1,531 |
| Net charge-offs to loans | 0.0987% | 687 |
| Credit loss provision to net charge-offs | 279.8894% | 896 |
| Earnings coverage of net charge-offs (x) | 20.0648% | 1,737 |
| Efficiency ratio | 55.8636% | 3,439 |
| Assets per employee ($millions) | 9.6669% | 736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 2,784 |
| Loan loss allowance to noncurrent loans | 249.2073% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 1,519 |
| Noncurrent loans to loans | 0.4546% | 1,576 |
| Net loans and leases to total assets | 71.8100% | 1,556 |
| Net loans and leases to deposits | 92.2078% | 1,010 |
| Net loans and leases to core deposits | 109.7508% | 837 |
| Total domestic deposits to total assets | 77.8700% | 3,862 |
| Equity capital to assets | 10.2376% | 1,725 |
| Core capital (leverage) ratio | 8.6204% | 4,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2344% | 2,557 |
| Memoranda: | ||
| Average total assets | $40,394,338,000 | 56 |
| Average earning assets | $36,484,043,000 | 55 |
| Average equity | $4,144,450,000 | 54 |
| Average total loans | $29,332,747,667 | 52 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9051% | 1,402 |
| Cost of funding earning assets | 1.8446% | 416 |
| Net interest margin | 3.0605% | 3,437 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 1.8746% | 3,906 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 1.0658% | 2,333 |
| Return on assets (ROA) | 1.0662% | 2,300 |
| Pretax return on assets | 1.3485% | 2,023 |
| Return on Equity (ROE) | 10.3800% | 2,671 |
| Retained earnings to average equity (ytd only) | 10.3805% | 1,608 |
| Net charge-offs to loans | 0.0453% | 904 |
| Credit loss provision to net charge-offs | 517.0316% | 536 |
| Earnings coverage of net charge-offs (x) | 46.4696% | 1,123 |
| Efficiency ratio | 54.4506% | 3,560 |
| Assets per employee ($millions) | 9.5744% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1150% | 2,977 |
| Loan loss allowance to noncurrent loans | 267.3984% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.3376% | 1,510 |
| Noncurrent loans to loans | 0.4170% | 1,682 |
| Net loans and leases to total assets | 71.2100% | 1,501 |
| Net loans and leases to deposits | 95.2969% | 697 |
| Net loans and leases to core deposits | 102.1093% | 998 |
| Total domestic deposits to total assets | 74.7300% | 4,250 |
| Equity capital to assets | 10.2874% | 1,677 |
| Core capital (leverage) ratio | 8.5903% | 4,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1032% | 2,700 |
| Memoranda: | ||
| Average total assets | $40,005,790,500 | 58 |
| Average earning assets | $36,108,272,500 | 58 |
| Average equity | $4,109,198,000 | 55 |
| Average total loans | $29,048,128,000 | 54 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4597% | 3,182 |
| Cost of funding earning assets | 0.5526% | 1,096 |
| Net interest margin | 2.9071% | 3,658 |
| Noninterest income to average assets | 0.7600% | 1,100 |
| Noninterest expense to average assets | 2.0157% | 3,542 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.0042% | 2,550 |
| Return on assets (ROA) | 1.0123% | 2,470 |
| Pretax return on assets | 1.2723% | 2,196 |
| Return on Equity (ROE) | 9.4700% | 2,979 |
| Retained earnings to average equity (ytd only) | 8.7086% | 1,565 |
| Net charge-offs to loans | 0.0049% | 2,254 |
| Credit loss provision to net charge-offs | 2,625.4826% | 211 |
| Earnings coverage of net charge-offs (x) | 385.1429% | 402 |
| Efficiency ratio | 59.1533% | 3,169 |
| Assets per employee ($millions) | 9.4363% | 802 |
| Cash dividends to net income (ytd only)* | 8.0304% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 2,963 |
| Loan loss allowance to noncurrent loans | 265.4984% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.3368% | 1,503 |
| Noncurrent loans to loans | 0.4087% | 1,701 |
| Net loans and leases to total assets | 72.4300% | 1,367 |
| Net loans and leases to deposits | 96.0484% | 634 |
| Net loans and leases to core deposits | 100.0235% | 1,003 |
| Total domestic deposits to total assets | 75.4100% | 4,288 |
| Equity capital to assets | 10.2551% | 1,581 |
| Core capital (leverage) ratio | 8.6278% | 4,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0871% | 2,957 |
| Memoranda: | ||
| Average total assets | $36,903,148,400 | 65 |
| Average earning assets | $33,102,261,800 | 65 |
| Average equity | $3,945,318,200 | 61 |
| Average total loans | $26,451,111,000 | 56 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0905% | 3,693 |
| Cost of funding earning assets | 0.3321% | 1,839 |
| Net interest margin | 2.7584% | 3,817 |
| Noninterest income to average assets | 0.7900% | 1,046 |
| Noninterest expense to average assets | 2.0114% | 3,454 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.9502% | 2,671 |
| Return on assets (ROA) | 0.9667% | 2,577 |
| Pretax return on assets | 1.2272% | 2,265 |
| Return on Equity (ROE) | 8.9400% | 3,047 |
| Retained earnings to average equity (ytd only) | 7.9237% | 2,030 |
| Net charge-offs to loans | 0.0006% | 2,322 |
| Credit loss provision to net charge-offs | 11,711.7117% | 52 |
| Earnings coverage of net charge-offs (x) | 3,075.2523% | 38 |
| Efficiency ratio | 60.8507% | 3,005 |
| Assets per employee ($millions) | 9.0986% | 861 |
| Cash dividends to net income (ytd only)* | 11.4018% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0510% | 3,250 |
| Loan loss allowance to noncurrent loans | 239.6237% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 1,479 |
| Noncurrent loans to loans | 0.4386% | 1,712 |
| Net loans and leases to total assets | 72.5600% | 1,223 |
| Net loans and leases to deposits | 94.2344% | 628 |
| Net loans and leases to core deposits | 96.0611% | 996 |
| Total domestic deposits to total assets | 77.0000% | 4,318 |
| Equity capital to assets | 10.3756% | 1,428 |
| Core capital (leverage) ratio | 8.6130% | 3,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0478% | 3,032 |
| Memoranda: | ||
| Average total assets | $36,289,239,000 | 67 |
| Average earning assets | $32,527,789,750 | 67 |
| Average equity | $3,922,579,500 | 63 |
| Average total loans | $25,858,900,750 | 56 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7461% | 4,071 |
| Cost of funding earning assets | 0.1987% | 2,928 |
| Net interest margin | 2.5474% | 4,003 |
| Noninterest income to average assets | 0.8517% | 938 |
| Noninterest expense to average assets | 1.9804% | 3,485 |
| Loan and lease loss provision to assets | -0.0224% | 4,440 |
| Net operating income to assets | 0.9287% | 2,450 |
| Return on assets (ROA) | 0.9278% | 2,432 |
| Pretax return on assets | 1.1743% | 2,155 |
| Return on Equity (ROE) | 8.4628% | 2,877 |
| Retained earnings to average equity (ytd only) | 6.9305% | 2,012 |
| Net charge-offs to loans | -0.0139% | 3,731 |
| Credit loss provision to net charge-offs | 56.9476% | 1,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4154% | 2,993 |
| Assets per employee ($millions) | 8.9588% | 899 |
| Cash dividends to net income (ytd only)* | 18.1063% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 3,341 |
| Loan loss allowance to noncurrent loans | 245.7084% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.3554% | 1,573 |
| Noncurrent loans to loans | 0.4299% | 1,834 |
| Net loans and leases to total assets | 70.7256% | 1,230 |
| Net loans and leases to deposits | 91.8993% | 612 |
| Net loans and leases to core deposits | 93.6824% | 930 |
| Total domestic deposits to total assets | 76.9599% | 4,416 |
| Equity capital to assets | 10.5368% | 1,410 |
| Core capital (leverage) ratio | 8.7406% | 3,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2668% | 2,973 |
| Memoranda: | ||
| Average total assets | $35,717,366,333 | 68 |
| Average earning assets | $31,991,667,667 | 68 |
| Average equity | $3,915,700,333 | 62 |
| Average total loans | $25,189,063,000 | 56 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5859% | 4,147 |
| Cost of funding earning assets | 0.1605% | 3,361 |
| Net interest margin | 2.4254% | 4,026 |
| Noninterest income to average assets | 0.8697% | 891 |
| Noninterest expense to average assets | 1.9794% | 3,483 |
| Loan and lease loss provision to assets | -0.0456% | 4,507 |
| Net operating income to assets | 0.8785% | 2,369 |
| Return on assets (ROA) | 0.8780% | 2,372 |
| Pretax return on assets | 1.1045% | 2,130 |
| Return on Equity (ROE) | 7.8462% | 2,742 |
| Retained earnings to average equity (ytd only) | 4.7806% | 2,674 |
| Net charge-offs to loans | -0.0334% | 4,126 |
| Credit loss provision to net charge-offs | 146.7710% | 870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3046% | 2,989 |
| Assets per employee ($millions) | 8.6041% | 1,061 |
| Cash dividends to net income (ytd only)* | 39.0717% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 3,180 |
| Loan loss allowance to noncurrent loans | 186.9704% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4797% | 1,265 |
| Noncurrent loans to loans | 0.6061% | 1,545 |
| Net loans and leases to total assets | 69.7415% | 1,043 |
| Net loans and leases to deposits | 85.6159% | 769 |
| Net loans and leases to core deposits | 88.6458% | 988 |
| Total domestic deposits to total assets | 81.4586% | 4,152 |
| Equity capital to assets | 11.1017% | 1,288 |
| Core capital (leverage) ratio | 8.6384% | 3,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7883% | 2,937 |
| Memoranda: | ||
| Average total assets | $34,982,140,500 | 69 |
| Average earning assets | $31,287,877,000 | 70 |
| Average equity | $3,914,355,000 | 63 |
| Average total loans | $24,492,547,500 | 57 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6174% | 4,391 |
| Cost of funding earning assets | 0.2120% | 3,346 |
| Net interest margin | 2.4055% | 4,318 |
| Noninterest income to average assets | 0.9751% | 1,052 |
| Noninterest expense to average assets | 2.0571% | 3,511 |
| Loan and lease loss provision to assets | -0.2567% | 4,751 |
| Net operating income to assets | 1.0531% | 2,474 |
| Return on assets (ROA) | 1.0534% | 2,546 |
| Pretax return on assets | 1.3142% | 2,317 |
| Return on Equity (ROE) | 9.0441% | 2,896 |
| Retained earnings to average equity (ytd only) | -0.7212% | 4,569 |
| Net charge-offs to loans | 0.0978% | 864 |
| Credit loss provision to net charge-offs | -337.7380% | 3,647 |
| Earnings coverage of net charge-offs (x) | 15.3052% | 2,004 |
| Efficiency ratio | 65.2238% | 2,368 |
| Assets per employee ($millions) | 8.7908% | 986 |
| Cash dividends to net income (ytd only)* | 107.9740% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 3,129 |
| Loan loss allowance to noncurrent loans | 205.6771% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.4728% | 1,398 |
| Noncurrent loans to loans | 0.5588% | 1,727 |
| Net loans and leases to total assets | 68.6914% | 1,188 |
| Net loans and leases to deposits | 84.4844% | 883 |
| Net loans and leases to core deposits | 87.5022% | 1,109 |
| Total domestic deposits to total assets | 81.3067% | 4,066 |
| Equity capital to assets | 11.2770% | 1,620 |
| Core capital (leverage) ratio | 8.6121% | 3,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9270% | 2,906 |
| Memoranda: | ||
| Average total assets | $34,290,087,400 | 69 |
| Average earning assets | $30,494,920,600 | 70 |
| Average equity | $3,993,744,600 | 65 |
| Average total loans | $24,229,181,200 | 56 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6260% | 4,483 |
| Cost of funding earning assets | 0.2276% | 3,350 |
| Net interest margin | 2.3984% | 4,398 |
| Noninterest income to average assets | 0.9847% | 1,096 |
| Noninterest expense to average assets | 2.0471% | 3,532 |
| Loan and lease loss provision to assets | -0.3207% | 4,832 |
| Net operating income to assets | 1.1020% | 2,549 |
| Return on assets (ROA) | 1.1022% | 2,603 |
| Pretax return on assets | 1.3886% | 2,383 |
| Return on Equity (ROE) | 9.3865% | 2,971 |
| Retained earnings to average equity (ytd only) | 0.5618% | 4,486 |
| Net charge-offs to loans | 0.0948% | 765 |
| Credit loss provision to net charge-offs | -438.8259% | 3,607 |
| Earnings coverage of net charge-offs (x) | 15.8711% | 1,854 |
| Efficiency ratio | 64.8871% | 2,260 |
| Assets per employee ($millions) | 8.5848% | 1,021 |
| Cash dividends to net income (ytd only)* | 94.0150% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2237% | 2,874 |
| Loan loss allowance to noncurrent loans | 208.0259% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 1,515 |
| Noncurrent loans to loans | 0.5882% | 1,836 |
| Net loans and leases to total assets | 68.2999% | 1,286 |
| Net loans and leases to deposits | 84.2474% | 946 |
| Net loans and leases to core deposits | 87.8929% | 1,157 |
| Total domestic deposits to total assets | 81.0706% | 4,084 |
| Equity capital to assets | 11.6271% | 1,591 |
| Core capital (leverage) ratio | 8.8190% | 3,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5677% | 2,839 |
| Memoranda: | ||
| Average total assets | $34,098,207,000 | 67 |
| Average earning assets | $30,283,977,500 | 71 |
| Average equity | $4,003,815,500 | 66 |
| Average total loans | $24,196,079,750 | 57 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6262% | 4,524 |
| Cost of funding earning assets | 0.2452% | 3,323 |
| Net interest margin | 2.3810% | 4,440 |
| Noninterest income to average assets | 1.0012% | 1,069 |
| Noninterest expense to average assets | 2.0453% | 3,561 |
| Loan and lease loss provision to assets | -0.3412% | 4,856 |
| Net operating income to assets | 1.1208% | 2,463 |
| Return on assets (ROA) | 1.1209% | 2,536 |
| Pretax return on assets | 1.4100% | 2,300 |
| Return on Equity (ROE) | 9.5145% | 2,942 |
| Retained earnings to average equity (ytd only) | 0.7766% | 4,382 |
| Net charge-offs to loans | 0.0772% | 888 |
| Credit loss provision to net charge-offs | -590.9914% | 3,517 |
| Earnings coverage of net charge-offs (x) | 19.3461% | 1,545 |
| Efficiency ratio | 64.8432% | 2,320 |
| Assets per employee ($millions) | 8.5108% | 1,005 |
| Cash dividends to net income (ytd only)* | 91.8380% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 2,325 |
| Loan loss allowance to noncurrent loans | 208.2303% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.5193% | 1,602 |
| Noncurrent loans to loans | 0.6351% | 1,822 |
| Net loans and leases to total assets | 69.7575% | 1,231 |
| Net loans and leases to deposits | 87.1433% | 838 |
| Net loans and leases to core deposits | 90.8286% | 1,080 |
| Total domestic deposits to total assets | 80.0492% | 4,231 |
| Equity capital to assets | 11.7616% | 1,483 |
| Core capital (leverage) ratio | 8.9339% | 3,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6912% | 2,814 |
| Memoranda: | ||
| Average total assets | $34,000,676,000 | 67 |
| Average earning assets | $30,170,964,333 | 70 |
| Average equity | $4,005,541,667 | 64 |
| Average total loans | $24,334,814,667 | 57 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6155% | 4,562 |
| Cost of funding earning assets | 0.2537% | 3,439 |
| Net interest margin | 2.3618% | 4,458 |
| Noninterest income to average assets | 1.1344% | 939 |
| Noninterest expense to average assets | 2.0549% | 3,550 |
| Loan and lease loss provision to assets | -0.2710% | 4,849 |
| Net operating income to assets | 1.1432% | 2,351 |
| Return on assets (ROA) | 1.1431% | 2,416 |
| Pretax return on assets | 1.4455% | 2,150 |
| Return on Equity (ROE) | 9.6950% | 2,791 |
| Retained earnings to average equity (ytd only) | 1.2010% | 4,181 |
| Net charge-offs to loans | 0.0779% | 812 |
| Credit loss provision to net charge-offs | -545.7599% | 3,201 |
| Earnings coverage of net charge-offs (x) | 20.9261% | 1,238 |
| Efficiency ratio | 62.8132% | 2,634 |
| Assets per employee ($millions) | 8.6144% | 944 |
| Cash dividends to net income (ytd only)* | 87.6126% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4515% | 1,767 |
| Loan loss allowance to noncurrent loans | 207.0200% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.5650% | 1,676 |
| Noncurrent loans to loans | 0.7011% | 1,835 |
| Net loans and leases to total assets | 69.4033% | 1,366 |
| Net loans and leases to deposits | 86.2563% | 946 |
| Net loans and leases to core deposits | 90.4989% | 1,199 |
| Total domestic deposits to total assets | 80.4617% | 4,147 |
| Equity capital to assets | 11.5865% | 1,488 |
| Core capital (leverage) ratio | 9.1385% | 3,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9060% | 2,702 |
| Memoranda: | ||
| Average total assets | $33,949,608,500 | 67 |
| Average earning assets | $30,115,934,500 | 71 |
| Average equity | $4,002,801,500 | 65 |
| Average total loans | $24,448,180,500 | 59 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0470% | 4,603 |
| Cost of funding earning assets | 0.4746% | 3,117 |
| Net interest margin | 2.5724% | 4,526 |
| Noninterest income to average assets | 1.4628% | 565 |
| Noninterest expense to average assets | 2.2661% | 3,498 |
| Loan and lease loss provision to assets | 0.4921% | 514 |
| Net operating income to assets | 0.9117% | 2,641 |
| Return on assets (ROA) | 0.9370% | 2,682 |
| Pretax return on assets | 1.0026% | 3,041 |
| Return on Equity (ROE) | 8.0638% | 2,792 |
| Retained earnings to average equity (ytd only) | 1.5572% | 4,012 |
| Net charge-offs to loans | 0.4108% | 414 |
| Credit loss provision to net charge-offs | 165.9535% | 2,341 |
| Earnings coverage of net charge-offs (x) | 4.9491% | 2,920 |
| Efficiency ratio | 59.8897% | 3,473 |
| Assets per employee ($millions) | 8.2118% | 967 |
| Cash dividends to net income (ytd only)* | 80.6889% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5610% | 1,396 |
| Loan loss allowance to noncurrent loans | 176.1871% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.6953% | 1,498 |
| Noncurrent loans to loans | 0.8860% | 1,593 |
| Net loans and leases to total assets | 72.5059% | 1,226 |
| Net loans and leases to deposits | 91.1832% | 842 |
| Net loans and leases to core deposits | 96.7992% | 1,075 |
| Total domestic deposits to total assets | 79.5168% | 4,133 |
| Equity capital to assets | 12.0014% | 1,567 |
| Core capital (leverage) ratio | 9.1111% | 3,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7449% | 2,713 |
| Memoranda: | ||
| Average total assets | $33,935,784,200 | 62 |
| Average earning assets | $29,958,171,200 | 62 |
| Average equity | $3,943,320,000 | 65 |
| Average total loans | $24,494,345,400 | 54 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1077% | 4,662 |
| Cost of funding earning assets | 0.5339% | 3,029 |
| Net interest margin | 2.5738% | 4,594 |
| Noninterest income to average assets | 1.6183% | 455 |
| Noninterest expense to average assets | 2.3858% | 3,179 |
| Loan and lease loss provision to assets | 0.5498% | 494 |
| Net operating income to assets | 0.9380% | 2,572 |
| Return on assets (ROA) | 0.9733% | 2,571 |
| Pretax return on assets | 0.9910% | 3,103 |
| Return on Equity (ROE) | 8.4443% | 2,624 |
| Retained earnings to average equity (ytd only) | 3.8091% | 3,134 |
| Net charge-offs to loans | 0.3984% | 397 |
| Credit loss provision to net charge-offs | 192.1459% | 2,140 |
| Earnings coverage of net charge-offs (x) | 5.2592% | 2,750 |
| Efficiency ratio | 60.5256% | 3,302 |
| Assets per employee ($millions) | 7.9186% | 1,033 |
| Cash dividends to net income (ytd only)* | 54.8912% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5295% | 1,304 |
| Loan loss allowance to noncurrent loans | 164.7980% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.7311% | 1,602 |
| Noncurrent loans to loans | 0.9281% | 1,610 |
| Net loans and leases to total assets | 71.4783% | 1,750 |
| Net loans and leases to deposits | 92.5837% | 1,027 |
| Net loans and leases to core deposits | 99.4797% | 1,197 |
| Total domestic deposits to total assets | 77.2040% | 4,296 |
| Equity capital to assets | 11.6801% | 1,890 |
| Core capital (leverage) ratio | 9.0322% | 3,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8482% | 2,670 |
| Memoranda: | ||
| Average total assets | $34,076,556,000 | 61 |
| Average earning assets | $30,081,935,500 | 62 |
| Average equity | $3,927,850,500 | 64 |
| Average total loans | $24,472,711,250 | 54 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2686% | 4,674 |
| Cost of funding earning assets | 0.6135% | 2,902 |
| Net interest margin | 2.6551% | 4,606 |
| Noninterest income to average assets | 2.0214% | 286 |
| Noninterest expense to average assets | 2.3330% | 3,441 |
| Loan and lease loss provision to assets | 0.5312% | 647 |
| Net operating income to assets | 1.1446% | 1,825 |
| Return on assets (ROA) | 1.1876% | 1,809 |
| Pretax return on assets | 1.5517% | 1,341 |
| Return on Equity (ROE) | 10.3498% | 1,867 |
| Retained earnings to average equity (ytd only) | 6.4152% | 1,896 |
| Net charge-offs to loans | 0.3591% | 444 |
| Credit loss provision to net charge-offs | 206.7540% | 1,883 |
| Earnings coverage of net charge-offs (x) | 7.8954% | 2,332 |
| Efficiency ratio | 52.7202% | 4,303 |
| Assets per employee ($millions) | 7.3813% | 1,228 |
| Cash dividends to net income (ytd only)* | 38.0162% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 1,397 |
| Loan loss allowance to noncurrent loans | 205.9585% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.5580% | 2,135 |
| Noncurrent loans to loans | 0.7056% | 2,115 |
| Net loans and leases to total assets | 69.5840% | 2,094 |
| Net loans and leases to deposits | 92.7747% | 1,072 |
| Net loans and leases to core deposits | 100.5978% | 1,217 |
| Total domestic deposits to total assets | 75.0032% | 4,518 |
| Equity capital to assets | 11.4349% | 2,018 |
| Core capital (leverage) ratio | 9.1779% | 3,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0039% | 2,610 |
| Memoranda: | ||
| Average total assets | $33,884,800,000 | 61 |
| Average earning assets | $29,865,271,333 | 62 |
| Average equity | $3,888,006,000 | 64 |
| Average total loans | $24,245,864,333 | 56 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6229% | 4,496 |
| Cost of funding earning assets | 0.8084% | 2,333 |
| Net interest margin | 2.8145% | 4,555 |
| Noninterest income to average assets | 1.1116% | 698 |
| Noninterest expense to average assets | 2.4847% | 3,322 |
| Loan and lease loss provision to assets | 0.4532% | 666 |
| Net operating income to assets | 0.5238% | 3,829 |
| Return on assets (ROA) | 0.5834% | 3,709 |
| Pretax return on assets | 0.7186% | 3,628 |
| Return on Equity (ROE) | 5.0753% | 3,602 |
| Retained earnings to average equity (ytd only) | -2.2834% | 4,281 |
| Net charge-offs to loans | 0.2858% | 515 |
| Credit loss provision to net charge-offs | 220.0704% | 1,364 |
| Earnings coverage of net charge-offs (x) | 5.3333% | 2,067 |
| Efficiency ratio | 68.3996% | 2,604 |
| Assets per employee ($millions) | 7.2674% | 974 |
| Cash dividends to net income (ytd only)* | 144.9906% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3658% | 1,829 |
| Loan loss allowance to noncurrent loans | 232.8419% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.5127% | 2,456 |
| Noncurrent loans to loans | 0.5866% | 2,538 |
| Net loans and leases to total assets | 72.0463% | 1,910 |
| Net loans and leases to deposits | 94.9074% | 1,006 |
| Net loans and leases to core deposits | 105.3746% | 1,095 |
| Total domestic deposits to total assets | 75.9122% | 4,495 |
| Equity capital to assets | 11.4961% | 2,439 |
| Core capital (leverage) ratio | 8.6492% | 4,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7920% | 3,156 |
| Memoranda: | ||
| Average total assets | $33,101,078,000 | 63 |
| Average earning assets | $29,064,435,500 | 64 |
| Average equity | $3,805,037,500 | 65 |
| Average total loans | $23,852,341,500 | 56 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0080% | 4,242 |
| Cost of funding earning assets | 1.1422% | 1,184 |
| Net interest margin | 2.8658% | 4,690 |
| Noninterest income to average assets | 1.1412% | 719 |
| Noninterest expense to average assets | 2.3831% | 3,727 |
| Loan and lease loss provision to assets | 0.0559% | 2,909 |
| Net operating income to assets | 1.0184% | 2,780 |
| Return on assets (ROA) | 1.0333% | 2,812 |
| Pretax return on assets | 1.2551% | 2,649 |
| Return on Equity (ROE) | 9.3196% | 2,597 |
| Retained earnings to average equity (ytd only) | 0.5941% | 4,517 |
| Net charge-offs to loans | 0.2387% | 857 |
| Credit loss provision to net charge-offs | 33.5437% | 3,249 |
| Earnings coverage of net charge-offs (x) | 7.7539% | 2,848 |
| Efficiency ratio | 64.0108% | 3,073 |
| Assets per employee ($millions) | 6.9272% | 1,069 |
| Cash dividends to net income (ytd only)* | 93.6250% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8766% | 4,061 |
| Loan loss allowance to noncurrent loans | 156.5129% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.4816% | 2,487 |
| Noncurrent loans to loans | 0.5601% | 2,498 |
| Net loans and leases to total assets | 70.4055% | 2,330 |
| Net loans and leases to deposits | 95.5846% | 985 |
| Net loans and leases to core deposits | 105.3439% | 1,149 |
| Total domestic deposits to total assets | 73.6578% | 4,786 |
| Equity capital to assets | 11.4942% | 2,534 |
| Core capital (leverage) ratio | 8.6348% | 4,764 |
| Tier 1 risk-based capital ratio | 11.0263% | 4,850 |
| Total risk-based capital ratio | 11.9486% | 4,874 |
| Memoranda: | ||
| Average total assets | $33,076,102,600 | 58 |
| Average earning assets | $29,256,430,600 | 60 |
| Average equity | $3,667,425,000 | 67 |
| Average total loans | $23,106,372,400 | 55 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0895% | 4,178 |
| Cost of funding earning assets | 1.2062% | 1,024 |
| Net interest margin | 2.8833% | 4,775 |
| Noninterest income to average assets | 1.1388% | 705 |
| Noninterest expense to average assets | 2.3527% | 3,817 |
| Loan and lease loss provision to assets | 0.0702% | 2,475 |
| Net operating income to assets | 1.0345% | 2,845 |
| Return on assets (ROA) | 1.0540% | 2,856 |
| Pretax return on assets | 1.2937% | 2,691 |
| Return on Equity (ROE) | 9.5917% | 2,624 |
| Retained earnings to average equity (ytd only) | 1.4202% | 4,455 |
| Net charge-offs to loans | 0.2368% | 751 |
| Credit loss provision to net charge-offs | 42.5811% | 2,840 |
| Earnings coverage of net charge-offs (x) | 8.1320% | 2,686 |
| Efficiency ratio | 62.9303% | 3,175 |
| Assets per employee ($millions) | 6.8389% | 1,097 |
| Cash dividends to net income (ytd only)* | 85.1938% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9362% | 3,893 |
| Loan loss allowance to noncurrent loans | 152.7951% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.5098% | 2,486 |
| Noncurrent loans to loans | 0.6127% | 2,445 |
| Net loans and leases to total assets | 69.6998% | 2,516 |
| Net loans and leases to deposits | 92.7714% | 1,342 |
| Net loans and leases to core deposits | 103.9072% | 1,332 |
| Total domestic deposits to total assets | 75.1307% | 4,735 |
| Equity capital to assets | 11.4501% | 2,698 |
| Core capital (leverage) ratio | 8.4170% | 4,979 |
| Tier 1 risk-based capital ratio | 11.0788% | 4,874 |
| Total risk-based capital ratio | 12.0585% | 4,888 |
| Memoranda: | ||
| Average total assets | $33,259,346,000 | 58 |
| Average earning assets | $29,456,531,250 | 59 |
| Average equity | $3,654,882,250 | 65 |
| Average total loans | $23,139,785,500 | 56 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1143% | 4,126 |
| Cost of funding earning assets | 1.2255% | 929 |
| Net interest margin | 2.8888% | 4,834 |
| Noninterest income to average assets | 1.1136% | 688 |
| Noninterest expense to average assets | 2.3039% | 3,993 |
| Loan and lease loss provision to assets | 0.0985% | 1,897 |
| Net operating income to assets | 1.0399% | 2,768 |
| Return on assets (ROA) | 1.0505% | 2,790 |
| Pretax return on assets | 1.2904% | 2,593 |
| Return on Equity (ROE) | 9.6911% | 2,539 |
| Retained earnings to average equity (ytd only) | 2.1995% | 4,053 |
| Net charge-offs to loans | 0.1797% | 912 |
| Credit loss provision to net charge-offs | 79.0836% | 2,228 |
| Earnings coverage of net charge-offs (x) | 11.0436% | 2,227 |
| Efficiency ratio | 61.8725% | 3,454 |
| Assets per employee ($millions) | 7.0201% | 992 |
| Cash dividends to net income (ytd only)* | 77.3039% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 3,635 |
| Loan loss allowance to noncurrent loans | 131.7175% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.5891% | 2,250 |
| Noncurrent loans to loans | 0.7584% | 2,084 |
| Net loans and leases to total assets | 69.6944% | 2,570 |
| Net loans and leases to deposits | 91.4834% | 1,561 |
| Net loans and leases to core deposits | 105.2910% | 1,287 |
| Total domestic deposits to total assets | 76.1826% | 4,646 |
| Equity capital to assets | 11.1376% | 2,914 |
| Core capital (leverage) ratio | 8.2975% | 5,060 |
| Tier 1 risk-based capital ratio | 10.9493% | 4,935 |
| Total risk-based capital ratio | 11.9971% | 4,933 |
| Memoranda: | ||
| Average total assets | $33,494,715,670 | 58 |
| Average earning assets | $29,754,039,670 | 57 |
| Average equity | $3,630,716,670 | 65 |
| Average total loans | $23,218,393,670 | 54 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0902% | 4,154 |
| Cost of funding earning assets | 1.2047% | 892 |
| Net interest margin | 2.8855% | 4,897 |
| Noninterest income to average assets | 1.0757% | 692 |
| Noninterest expense to average assets | 2.2941% | 4,036 |
| Loan and lease loss provision to assets | 0.0535% | 2,593 |
| Net operating income to assets | 1.0283% | 2,751 |
| Return on assets (ROA) | 1.0444% | 2,722 |
| Pretax return on assets | 1.3158% | 2,388 |
| Return on Equity (ROE) | 9.7680% | 2,466 |
| Retained earnings to average equity (ytd only) | 0.2012% | 4,484 |
| Net charge-offs to loans | 0.1287% | 974 |
| Credit loss provision to net charge-offs | 60.4676% | 1,909 |
| Earnings coverage of net charge-offs (x) | 15.2380% | 1,749 |
| Efficiency ratio | 62.2472% | 3,496 |
| Assets per employee ($millions) | 7.2687% | 888 |
| Cash dividends to net income (ytd only)* | 97.9398% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 3,618 |
| Loan loss allowance to noncurrent loans | 141.9374% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.5286% | 2,518 |
| Noncurrent loans to loans | 0.7125% | 2,244 |
| Net loans and leases to total assets | 68.3729% | 2,703 |
| Net loans and leases to deposits | 90.0425% | 1,622 |
| Net loans and leases to core deposits | 107.8925% | 1,058 |
| Total domestic deposits to total assets | 75.9340% | 4,768 |
| Equity capital to assets | 10.7328% | 3,129 |
| Core capital (leverage) ratio | 8.2416% | 5,125 |
| Tier 1 risk-based capital ratio | 11.0349% | 4,959 |
| Total risk-based capital ratio | 12.1198% | 4,939 |
| Memoranda: | ||
| Average total assets | $33,629,116,500 | 58 |
| Average earning assets | $29,920,136,500 | 58 |
| Average equity | $3,595,789,500 | 66 |
| Average total loans | $23,132,455,500 | 55 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8826% | 4,312 |
| Cost of funding earning assets | 0.9041% | 1,071 |
| Net interest margin | 2.9785% | 4,825 |
| Noninterest income to average assets | 1.0846% | 791 |
| Noninterest expense to average assets | 2.4322% | 3,795 |
| Loan and lease loss provision to assets | 0.0075% | 3,971 |
| Net operating income to assets | 1.0661% | 2,732 |
| Return on assets (ROA) | 1.0611% | 2,740 |
| Pretax return on assets | 1.2873% | 2,549 |
| Return on Equity (ROE) | 9.9820% | 2,523 |
| Retained earnings to average equity (ytd only) | 1.4253% | 4,565 |
| Net charge-offs to loans | 0.1321% | 1,429 |
| Credit loss provision to net charge-offs | 8.2318% | 3,436 |
| Earnings coverage of net charge-offs (x) | 14.3166% | 2,387 |
| Efficiency ratio | 64.4986% | 3,119 |
| Assets per employee ($millions) | 7.2190% | 891 |
| Cash dividends to net income (ytd only)* | 85.7215% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 3,477 |
| Loan loss allowance to noncurrent loans | 171.0120% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.4498% | 2,766 |
| Noncurrent loans to loans | 0.6046% | 2,465 |
| Net loans and leases to total assets | 67.7938% | 2,905 |
| Net loans and leases to deposits | 91.3024% | 1,627 |
| Net loans and leases to core deposits | 105.6771% | 1,291 |
| Total domestic deposits to total assets | 74.2520% | 4,932 |
| Equity capital to assets | 10.6521% | 3,026 |
| Core capital (leverage) ratio | 8.3074% | 5,114 |
| Tier 1 risk-based capital ratio | 11.1255% | 4,906 |
| Total risk-based capital ratio | 12.2284% | 4,878 |
| Memoranda: | ||
| Average total assets | $33,422,759,800 | 57 |
| Average earning assets | $29,719,176,400 | 56 |
| Average equity | $3,552,753,400 | 65 |
| Average total loans | $22,983,313,400 | 53 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8081% | 4,419 |
| Cost of funding earning assets | 0.8409% | 1,147 |
| Net interest margin | 2.9671% | 4,895 |
| Noninterest income to average assets | 1.1100% | 765 |
| Noninterest expense to average assets | 2.4828% | 3,645 |
| Loan and lease loss provision to assets | 0.0020% | 3,923 |
| Net operating income to assets | 1.0459% | 2,887 |
| Return on assets (ROA) | 1.0391% | 2,934 |
| Pretax return on assets | 1.2563% | 2,790 |
| Return on Equity (ROE) | 9.7805% | 2,715 |
| Retained earnings to average equity (ytd only) | 1.5086% | 4,724 |
| Net charge-offs to loans | 0.1749% | 953 |
| Credit loss provision to net charge-offs | 1.6588% | 3,083 |
| Earnings coverage of net charge-offs (x) | 10.5177% | 2,581 |
| Efficiency ratio | 65.5901% | 2,944 |
| Assets per employee ($millions) | 7.1521% | 879 |
| Cash dividends to net income (ytd only)* | 84.5754% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 3,617 |
| Loan loss allowance to noncurrent loans | 141.6545% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.5937% | 2,403 |
| Noncurrent loans to loans | 0.7241% | 2,271 |
| Net loans and leases to total assets | 68.1626% | 2,905 |
| Net loans and leases to deposits | 91.3500% | 1,712 |
| Net loans and leases to core deposits | 105.9506% | 1,313 |
| Total domestic deposits to total assets | 74.6169% | 4,925 |
| Equity capital to assets | 10.6756% | 2,956 |
| Core capital (leverage) ratio | 8.1711% | 5,264 |
| Tier 1 risk-based capital ratio | 11.0966% | 4,990 |
| Total risk-based capital ratio | 12.1948% | 4,966 |
| Memoranda: | ||
| Average total assets | $33,377,366,750 | 57 |
| Average earning assets | $29,688,920,000 | 56 |
| Average equity | $3,546,048,250 | 65 |
| Average total loans | $22,974,218,500 | 52 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9121% | 4,042 |
| Cost of funding earning assets | 0.7931% | 1,153 |
| Net interest margin | 3.1190% | 4,692 |
| Noninterest income to average assets | 1.1790% | 686 |
| Noninterest expense to average assets | 2.6339% | 3,210 |
| Loan and lease loss provision to assets | 0.0284% | 3,345 |
| Net operating income to assets | 1.0860% | 2,636 |
| Return on assets (ROA) | 1.0752% | 2,696 |
| Pretax return on assets | 1.2849% | 2,575 |
| Return on Equity (ROE) | 10.3264% | 2,411 |
| Retained earnings to average equity (ytd only) | 4.2630% | 3,476 |
| Net charge-offs to loans | 0.1641% | 943 |
| Credit loss provision to net charge-offs | 25.2951% | 2,656 |
| Earnings coverage of net charge-offs (x) | 11.8078% | 2,243 |
| Efficiency ratio | 65.9230% | 2,999 |
| Assets per employee ($millions) | 6.9647% | 936 |
| Cash dividends to net income (ytd only)* | 58.7178% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0909% | 3,319 |
| Loan loss allowance to noncurrent loans | 119.0465% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.7316% | 2,044 |
| Noncurrent loans to loans | 0.9164% | 1,889 |
| Net loans and leases to total assets | 68.0414% | 2,863 |
| Net loans and leases to deposits | 95.6347% | 1,180 |
| Net loans and leases to core deposits | 110.0241% | 997 |
| Total domestic deposits to total assets | 71.1473% | 5,228 |
| Equity capital to assets | 10.7651% | 2,870 |
| Core capital (leverage) ratio | 8.3077% | 5,210 |
| Tier 1 risk-based capital ratio | 11.1662% | 4,962 |
| Total risk-based capital ratio | 12.3281% | 4,908 |
| Memoranda: | ||
| Average total assets | $31,679,429,670 | 58 |
| Average earning assets | $28,247,084,670 | 60 |
| Average equity | $3,298,452,670 | 66 |
| Average total loans | $21,680,212,330 | 53 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5249% | 4,835 |
| Cost of funding earning assets | 0.6992% | 1,452 |
| Net interest margin | 2.8257% | 5,128 |
| Noninterest income to average assets | 1.1589% | 685 |
| Noninterest expense to average assets | 2.3830% | 3,993 |
| Loan and lease loss provision to assets | -0.0130% | 5,415 |
| Net operating income to assets | 1.0437% | 2,676 |
| Return on assets (ROA) | 1.0434% | 2,697 |
| Pretax return on assets | 1.3153% | 2,304 |
| Return on Equity (ROE) | 10.2104% | 2,329 |
| Retained earnings to average equity (ytd only) | 10.2104% | 1,101 |
| Net charge-offs to loans | 0.1773% | 826 |
| Credit loss provision to net charge-offs | -10.7643% | 3,560 |
| Earnings coverage of net charge-offs (x) | 10.7687% | 1,887 |
| Efficiency ratio | 64.4579% | 3,406 |
| Assets per employee ($millions) | 6.9253% | 987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2120% | 2,735 |
| Loan loss allowance to noncurrent loans | 126.6270% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.7135% | 2,184 |
| Noncurrent loans to loans | 0.9572% | 1,914 |
| Net loans and leases to total assets | 67.0724% | 2,883 |
| Net loans and leases to deposits | 93.5083% | 1,279 |
| Net loans and leases to core deposits | 109.0287% | 1,060 |
| Total domestic deposits to total assets | 71.7288% | 5,299 |
| Equity capital to assets | 10.2081% | 3,381 |
| Core capital (leverage) ratio | 8.2026% | 5,314 |
| Tier 1 risk-based capital ratio | 11.2022% | 5,024 |
| Total risk-based capital ratio | 12.4527% | 4,926 |
| Memoranda: | ||
| Average total assets | $30,716,705,000 | 62 |
| Average earning assets | $27,468,750,500 | 61 |
| Average equity | $3,138,875,500 | 73 |
| Average total loans | $20,961,599,500 | 57 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3343% | 5,042 |
| Cost of funding earning assets | 0.4960% | 2,370 |
| Net interest margin | 2.8383% | 5,119 |
| Noninterest income to average assets | 1.1270% | 800 |
| Noninterest expense to average assets | 2.3723% | 4,149 |
| Loan and lease loss provision to assets | 0.0916% | 2,366 |
| Net operating income to assets | 0.8539% | 2,938 |
| Return on assets (ROA) | 0.8550% | 2,957 |
| Pretax return on assets | 1.2082% | 2,743 |
| Return on Equity (ROE) | 8.2240% | 2,686 |
| Retained earnings to average equity (ytd only) | 2.3517% | 3,915 |
| Net charge-offs to loans | 0.1916% | 1,330 |
| Credit loss provision to net charge-offs | 68.7339% | 3,104 |
| Earnings coverage of net charge-offs (x) | 9.7402% | 2,755 |
| Efficiency ratio | 64.4486% | 3,540 |
| Assets per employee ($millions) | 6.9330% | 998 |
| Cash dividends to net income (ytd only)* | 71.4046% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 2,366 |
| Loan loss allowance to noncurrent loans | 122.8126% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.7755% | 2,010 |
| Noncurrent loans to loans | 1.0359% | 1,717 |
| Net loans and leases to total assets | 67.7221% | 2,863 |
| Net loans and leases to deposits | 89.8584% | 1,789 |
| Net loans and leases to core deposits | 106.6187% | 1,231 |
| Total domestic deposits to total assets | 75.3653% | 5,048 |
| Equity capital to assets | 10.2297% | 3,459 |
| Core capital (leverage) ratio | 8.1291% | 5,390 |
| Tier 1 risk-based capital ratio | 10.9842% | 5,159 |
| Total risk-based capital ratio | 12.2357% | 5,032 |
| Memoranda: | ||
| Average total assets | $29,648,434,200 | 61 |
| Average earning assets | $26,571,371,000 | 61 |
| Average equity | $3,082,275,200 | 67 |
| Average total loans | $20,630,658,200 | 54 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3087% | 5,108 |
| Cost of funding earning assets | 0.4621% | 2,599 |
| Net interest margin | 2.8466% | 5,161 |
| Noninterest income to average assets | 1.1267% | 794 |
| Noninterest expense to average assets | 2.3657% | 4,103 |
| Loan and lease loss provision to assets | 0.1230% | 1,762 |
| Net operating income to assets | 0.8780% | 3,138 |
| Return on assets (ROA) | 0.8792% | 3,182 |
| Pretax return on assets | 1.1937% | 2,937 |
| Return on Equity (ROE) | 8.4224% | 2,920 |
| Retained earnings to average equity (ytd only) | 2.6119% | 4,323 |
| Net charge-offs to loans | 0.1869% | 1,121 |
| Credit loss provision to net charge-offs | 94.1856% | 2,399 |
| Earnings coverage of net charge-offs (x) | 10.0725% | 2,635 |
| Efficiency ratio | 64.0931% | 3,528 |
| Assets per employee ($millions) | 6.8793% | 997 |
| Cash dividends to net income (ytd only)* | 68.9886% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 2,313 |
| Loan loss allowance to noncurrent loans | 126.6767% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.7787% | 2,190 |
| Noncurrent loans to loans | 1.0344% | 1,869 |
| Net loans and leases to total assets | 69.3332% | 2,657 |
| Net loans and leases to deposits | 92.2764% | 1,533 |
| Net loans and leases to core deposits | 110.0600% | 1,027 |
| Total domestic deposits to total assets | 75.1364% | 5,116 |
| Equity capital to assets | 10.3755% | 3,510 |
| Core capital (leverage) ratio | 8.1633% | 5,443 |
| Tier 1 risk-based capital ratio | 10.9676% | 5,262 |
| Total risk-based capital ratio | 12.2197% | 5,152 |
| Memoranda: | ||
| Average total assets | $29,455,030,000 | 60 |
| Average earning assets | $26,426,851,000 | 61 |
| Average equity | $3,074,821,500 | 65 |
| Average total loans | $20,571,340,500 | 53 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2298% | 5,201 |
| Cost of funding earning assets | 0.4046% | 3,024 |
| Net interest margin | 2.8253% | 5,211 |
| Noninterest income to average assets | 1.1113% | 811 |
| Noninterest expense to average assets | 2.3812% | 4,108 |
| Loan and lease loss provision to assets | 0.1439% | 1,418 |
| Net operating income to assets | 0.8370% | 3,216 |
| Return on assets (ROA) | 0.8388% | 3,256 |
| Pretax return on assets | 1.1228% | 3,079 |
| Return on Equity (ROE) | 8.0187% | 3,022 |
| Retained earnings to average equity (ytd only) | 2.0099% | 4,453 |
| Net charge-offs to loans | 0.1791% | 1,103 |
| Credit loss provision to net charge-offs | 115.2983% | 1,832 |
| Earnings coverage of net charge-offs (x) | 10.1285% | 2,366 |
| Efficiency ratio | 65.1300% | 3,484 |
| Assets per employee ($millions) | 6.8049% | 1,011 |
| Cash dividends to net income (ytd only)* | 74.9344% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3474% | 2,186 |
| Loan loss allowance to noncurrent loans | 117.4116% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.8557% | 2,067 |
| Noncurrent loans to loans | 1.1476% | 1,704 |
| Net loans and leases to total assets | 69.1759% | 2,640 |
| Net loans and leases to deposits | 93.9654% | 1,265 |
| Net loans and leases to core deposits | 113.9127% | 804 |
| Total domestic deposits to total assets | 73.6185% | 5,325 |
| Equity capital to assets | 10.3955% | 3,461 |
| Core capital (leverage) ratio | 8.3058% | 5,348 |
| Tier 1 risk-based capital ratio | 10.8932% | 5,312 |
| Total risk-based capital ratio | 12.1456% | 5,220 |
| Memoranda: | ||
| Average total assets | $29,273,199,670 | 60 |
| Average earning assets | $26,257,207,330 | 60 |
| Average equity | $3,062,193,000 | 63 |
| Average total loans | $20,402,959,330 | 53 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1703% | 5,280 |
| Cost of funding earning assets | 0.3483% | 3,551 |
| Net interest margin | 2.8220% | 5,209 |
| Noninterest income to average assets | 1.1003% | 819 |
| Noninterest expense to average assets | 2.3629% | 4,221 |
| Loan and lease loss provision to assets | 0.1380% | 1,377 |
| Net operating income to assets | 0.8132% | 3,165 |
| Return on assets (ROA) | 0.8132% | 3,221 |
| Pretax return on assets | 1.1306% | 2,861 |
| Return on Equity (ROE) | 7.7493% | 3,041 |
| Retained earnings to average equity (ytd only) | 0.5347% | 4,798 |
| Net charge-offs to loans | 0.1126% | 1,270 |
| Credit loss provision to net charge-offs | 176.3412% | 1,101 |
| Earnings coverage of net charge-offs (x) | 16.2106% | 1,648 |
| Efficiency ratio | 64.8728% | 3,682 |
| Assets per employee ($millions) | 6.6786% | 1,093 |
| Cash dividends to net income (ytd only)* | 93.1004% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 2,085 |
| Loan loss allowance to noncurrent loans | 105.2227% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 0.9748% | 1,878 |
| Noncurrent loans to loans | 1.3288% | 1,523 |
| Net loans and leases to total assets | 68.5099% | 2,604 |
| Net loans and leases to deposits | 90.0807% | 1,525 |
| Net loans and leases to core deposits | 108.3047% | 955 |
| Total domestic deposits to total assets | 76.0539% | 5,225 |
| Equity capital to assets | 10.5415% | 3,138 |
| Core capital (leverage) ratio | 8.3717% | 5,328 |
| Tier 1 risk-based capital ratio | 11.0336% | 5,288 |
| Total risk-based capital ratio | 12.2864% | 5,195 |
| Memoranda: | ||
| Average total assets | $29,058,086,000 | 59 |
| Average earning assets | $26,063,337,500 | 60 |
| Average equity | $3,049,375,000 | 63 |
| Average total loans | $20,190,313,000 | 53 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0861% | 5,418 |
| Cost of funding earning assets | 0.2475% | 4,591 |
| Net interest margin | 2.8386% | 5,225 |
| Noninterest income to average assets | 1.2031% | 786 |
| Noninterest expense to average assets | 2.4555% | 4,143 |
| Loan and lease loss provision to assets | 0.2426% | 872 |
| Net operating income to assets | 0.7668% | 3,465 |
| Return on assets (ROA) | 0.7894% | 3,459 |
| Pretax return on assets | 1.0833% | 3,163 |
| Return on Equity (ROE) | 7.3727% | 3,283 |
| Retained earnings to average equity (ytd only) | 2.2669% | 4,237 |
| Net charge-offs to loans | 0.3300% | 834 |
| Credit loss provision to net charge-offs | 106.4608% | 2,449 |
| Earnings coverage of net charge-offs (x) | 5.6814% | 3,301 |
| Efficiency ratio | 65.2773% | 3,711 |
| Assets per employee ($millions) | 6.5460% | 1,131 |
| Cash dividends to net income (ytd only)* | 69.2524% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3755% | 2,191 |
| Loan loss allowance to noncurrent loans | 97.8468% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 1.0376% | 1,823 |
| Noncurrent loans to loans | 1.4058% | 1,447 |
| Net loans and leases to total assets | 68.5280% | 2,699 |
| Net loans and leases to deposits | 89.3909% | 1,750 |
| Net loans and leases to core deposits | 110.0445% | 898 |
| Total domestic deposits to total assets | 76.6610% | 5,158 |
| Equity capital to assets | 10.4466% | 3,215 |
| Core capital (leverage) ratio | 8.2415% | 5,483 |
| Tier 1 risk-based capital ratio | 10.8133% | 5,428 |
| Total risk-based capital ratio | 12.0657% | 5,327 |
| Memoranda: | ||
| Average total assets | $28,535,601,200 | 59 |
| Average earning assets | $25,607,668,400 | 59 |
| Average equity | $3,055,353,400 | 60 |
| Average total loans | $19,710,681,000 | 53 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0799% | 5,488 |
| Cost of funding earning assets | 0.2422% | 4,676 |
| Net interest margin | 2.8376% | 5,289 |
| Noninterest income to average assets | 1.1960% | 806 |
| Noninterest expense to average assets | 2.4682% | 4,079 |
| Loan and lease loss provision to assets | 0.2399% | 801 |
| Net operating income to assets | 0.7397% | 3,647 |
| Return on assets (ROA) | 0.7603% | 3,692 |
| Pretax return on assets | 1.0648% | 3,376 |
| Return on Equity (ROE) | 7.0565% | 3,534 |
| Retained earnings to average equity (ytd only) | 2.5249% | 4,405 |
| Net charge-offs to loans | 0.3798% | 578 |
| Credit loss provision to net charge-offs | 91.5762% | 2,507 |
| Earnings coverage of net charge-offs (x) | 4.8696% | 3,209 |
| Efficiency ratio | 65.7287% | 3,639 |
| Assets per employee ($millions) | 6.5184% | 1,091 |
| Cash dividends to net income (ytd only)* | 64.2181% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 2,490 |
| Loan loss allowance to noncurrent loans | 90.0657% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.0775% | 1,903 |
| Noncurrent loans to loans | 1.4876% | 1,446 |
| Net loans and leases to total assets | 68.1512% | 2,781 |
| Net loans and leases to deposits | 89.7451% | 1,791 |
| Net loans and leases to core deposits | 109.1559% | 973 |
| Total domestic deposits to total assets | 75.9387% | 5,240 |
| Equity capital to assets | 10.6346% | 3,422 |
| Core capital (leverage) ratio | 8.3946% | 5,432 |
| Tier 1 risk-based capital ratio | 11.0712% | 5,341 |
| Total risk-based capital ratio | 12.3233% | 5,235 |
| Memoranda: | ||
| Average total assets | $28,401,781,500 | 60 |
| Average earning assets | $25,502,400,500 | 59 |
| Average equity | $3,059,958,750 | 61 |
| Average total loans | $19,588,468,000 | 54 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0824% | 5,565 |
| Cost of funding earning assets | 0.2352% | 4,801 |
| Net interest margin | 2.8472% | 5,350 |
| Noninterest income to average assets | 1.1314% | 875 |
| Noninterest expense to average assets | 2.4850% | 4,069 |
| Loan and lease loss provision to assets | 0.2207% | 944 |
| Net operating income to assets | 0.6942% | 3,819 |
| Return on assets (ROA) | 0.7254% | 3,827 |
| Pretax return on assets | 1.0253% | 3,493 |
| Return on Equity (ROE) | 6.7033% | 3,697 |
| Retained earnings to average equity (ytd only) | 3.0310% | 3,988 |
| Net charge-offs to loans | 0.3861% | 589 |
| Credit loss provision to net charge-offs | 82.9356% | 2,336 |
| Earnings coverage of net charge-offs (x) | 4.5165% | 2,979 |
| Efficiency ratio | 67.1965% | 3,502 |
| Assets per employee ($millions) | 6.5024% | 1,087 |
| Cash dividends to net income (ytd only)* | 54.7838% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 2,625 |
| Loan loss allowance to noncurrent loans | 92.0784% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 1.0500% | 2,024 |
| Noncurrent loans to loans | 1.4443% | 1,535 |
| Net loans and leases to total assets | 68.5103% | 2,706 |
| Net loans and leases to deposits | 96.6310% | 1,013 |
| Net loans and leases to core deposits | 115.4083% | 658 |
| Total domestic deposits to total assets | 70.8989% | 5,733 |
| Equity capital to assets | 10.6986% | 3,400 |
| Core capital (leverage) ratio | 8.5339% | 5,336 |
| Tier 1 risk-based capital ratio | 11.0780% | 5,379 |
| Total risk-based capital ratio | 12.3299% | 5,295 |
| Memoranda: | ||
| Average total assets | $28,182,736,670 | 60 |
| Average earning assets | $25,296,712,330 | 58 |
| Average equity | $3,049,845,670 | 62 |
| Average total loans | $19,426,976,330 | 53 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1039% | 5,605 |
| Cost of funding earning assets | 0.2293% | 4,908 |
| Net interest margin | 2.8746% | 5,361 |
| Noninterest income to average assets | 1.1062% | 892 |
| Noninterest expense to average assets | 2.4645% | 4,182 |
| Loan and lease loss provision to assets | 0.2881% | 564 |
| Net operating income to assets | 0.6400% | 4,024 |
| Return on assets (ROA) | 0.6707% | 3,994 |
| Pretax return on assets | 0.9787% | 3,556 |
| Return on Equity (ROE) | 6.1614% | 3,900 |
| Retained earnings to average equity (ytd only) | 3.7825% | 3,605 |
| Net charge-offs to loans | 0.3535% | 632 |
| Credit loss provision to net charge-offs | 118.6878% | 1,451 |
| Earnings coverage of net charge-offs (x) | 5.0353% | 2,369 |
| Efficiency ratio | 66.6509% | 3,693 |
| Assets per employee ($millions) | 6.4965% | 1,111 |
| Cash dividends to net income (ytd only)* | 38.6100% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4304% | 2,284 |
| Loan loss allowance to noncurrent loans | 93.7722% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.1100% | 1,989 |
| Noncurrent loans to loans | 1.5254% | 1,535 |
| Net loans and leases to total assets | 68.0279% | 2,645 |
| Net loans and leases to deposits | 91.5376% | 1,400 |
| Net loans and leases to core deposits | 110.5571% | 829 |
| Total domestic deposits to total assets | 74.3170% | 5,588 |
| Equity capital to assets | 10.9206% | 3,028 |
| Core capital (leverage) ratio | 8.6875% | 5,190 |
| Tier 1 risk-based capital ratio | 11.3560% | 5,305 |
| Total risk-based capital ratio | 12.6090% | 5,210 |
| Memoranda: | ||
| Average total assets | $27,803,079,500 | 60 |
| Average earning assets | $24,959,292,000 | 58 |
| Average equity | $3,026,571,500 | 63 |
| Average total loans | $19,092,698,000 | 53 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1011% | 5,629 |
| Cost of funding earning assets | 0.1584% | 5,630 |
| Net interest margin | 2.9427% | 5,269 |
| Noninterest income to average assets | 1.1209% | 938 |
| Noninterest expense to average assets | 2.5164% | 4,177 |
| Loan and lease loss provision to assets | 0.1413% | 1,679 |
| Net operating income to assets | 0.7975% | 3,353 |
| Return on assets (ROA) | 0.8194% | 3,332 |
| Pretax return on assets | 1.1252% | 2,944 |
| Return on Equity (ROE) | 7.3341% | 3,342 |
| Retained earnings to average equity (ytd only) | 1.6544% | 4,782 |
| Net charge-offs to loans | 0.1646% | 1,724 |
| Credit loss provision to net charge-offs | 126.7649% | 2,050 |
| Earnings coverage of net charge-offs (x) | 11.0927% | 2,620 |
| Efficiency ratio | 66.7478% | 3,789 |
| Assets per employee ($millions) | 6.3843% | 1,149 |
| Cash dividends to net income (ytd only)* | 77.4422% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4529% | 2,200 |
| Loan loss allowance to noncurrent loans | 144.2818% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.7407% | 2,835 |
| Noncurrent loans to loans | 1.0070% | 2,327 |
| Net loans and leases to total assets | 67.3287% | 2,817 |
| Net loans and leases to deposits | 85.8692% | 2,150 |
| Net loans and leases to core deposits | 101.5877% | 1,396 |
| Total domestic deposits to total assets | 78.4085% | 5,080 |
| Equity capital to assets | 10.8503% | 2,982 |
| Core capital (leverage) ratio | 8.6407% | 5,288 |
| Tier 1 risk-based capital ratio | 11.5047% | 5,251 |
| Total risk-based capital ratio | 12.7579% | 5,153 |
| Memoranda: | ||
| Average total assets | $27,106,102,400 | 59 |
| Average earning assets | $24,243,199,200 | 58 |
| Average equity | $3,028,322,200 | 58 |
| Average total loans | $18,356,605,200 | 55 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0998% | 5,711 |
| Cost of funding earning assets | 0.1555% | 5,742 |
| Net interest margin | 2.9443% | 5,323 |
| Noninterest income to average assets | 1.1322% | 937 |
| Noninterest expense to average assets | 2.5186% | 4,136 |
| Loan and lease loss provision to assets | 0.0925% | 2,320 |
| Net operating income to assets | 0.8278% | 3,291 |
| Return on assets (ROA) | 0.8421% | 3,293 |
| Pretax return on assets | 1.1723% | 2,918 |
| Return on Equity (ROE) | 7.4828% | 3,349 |
| Retained earnings to average equity (ytd only) | 3.3569% | 4,082 |
| Net charge-offs to loans | 0.1637% | 1,516 |
| Credit loss provision to net charge-offs | 83.6252% | 2,555 |
| Earnings coverage of net charge-offs (x) | 11.2557% | 2,509 |
| Efficiency ratio | 66.5861% | 3,787 |
| Assets per employee ($millions) | 6.3392% | 1,160 |
| Cash dividends to net income (ytd only)* | 55.1388% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4061% | 2,571 |
| Loan loss allowance to noncurrent loans | 165.1225% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.6303% | 3,375 |
| Noncurrent loans to loans | 0.8516% | 2,843 |
| Net loans and leases to total assets | 67.1778% | 2,830 |
| Net loans and leases to deposits | 87.0032% | 2,028 |
| Net loans and leases to core deposits | 103.8258% | 1,244 |
| Total domestic deposits to total assets | 77.2130% | 5,314 |
| Equity capital to assets | 11.2586% | 2,743 |
| Core capital (leverage) ratio | 8.6751% | 5,378 |
| Tier 1 risk-based capital ratio | 11.7224% | 5,253 |
| Total risk-based capital ratio | 12.9749% | 5,170 |
| Memoranda: | ||
| Average total assets | $26,990,825,750 | 59 |
| Average earning assets | $24,120,697,250 | 58 |
| Average equity | $3,037,621,750 | 55 |
| Average total loans | $18,237,185,250 | 54 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0904% | 5,753 |
| Cost of funding earning assets | 0.1527% | 5,824 |
| Net interest margin | 2.9377% | 5,368 |
| Noninterest income to average assets | 1.1637% | 889 |
| Noninterest expense to average assets | 2.5489% | 4,073 |
| Loan and lease loss provision to assets | 0.0722% | 2,666 |
| Net operating income to assets | 0.8123% | 3,320 |
| Return on assets (ROA) | 0.8187% | 3,395 |
| Pretax return on assets | 1.1777% | 2,870 |
| Return on Equity (ROE) | 7.2758% | 3,450 |
| Retained earnings to average equity (ytd only) | 4.6306% | 3,091 |
| Net charge-offs to loans | 0.1583% | 1,527 |
| Credit loss provision to net charge-offs | 67.6713% | 2,490 |
| Earnings coverage of net charge-offs (x) | 11.6313% | 2,275 |
| Efficiency ratio | 66.9297% | 3,848 |
| Assets per employee ($millions) | 6.1828% | 1,226 |
| Cash dividends to net income (ytd only)* | 36.3564% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4143% | 2,690 |
| Loan loss allowance to noncurrent loans | 152.8867% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.6810% | 3,358 |
| Noncurrent loans to loans | 0.9251% | 2,821 |
| Net loans and leases to total assets | 67.2540% | 2,758 |
| Net loans and leases to deposits | 91.9858% | 1,381 |
| Net loans and leases to core deposits | 109.3908% | 868 |
| Total domestic deposits to total assets | 73.1135% | 5,858 |
| Equity capital to assets | 11.3251% | 2,549 |
| Core capital (leverage) ratio | 9.0259% | 4,925 |
| Tier 1 risk-based capital ratio | 11.8595% | 5,241 |
| Total risk-based capital ratio | 13.1123% | 5,140 |
| Memoranda: | ||
| Average total assets | $26,876,259,330 | 58 |
| Average earning assets | $24,023,946,000 | 58 |
| Average equity | $3,024,332,670 | 55 |
| Average total loans | $18,108,043,330 | 53 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1096% | 5,769 |
| Cost of funding earning assets | 0.1491% | 5,930 |
| Net interest margin | 2.9605% | 5,313 |
| Noninterest income to average assets | 1.1293% | 879 |
| Noninterest expense to average assets | 2.5386% | 4,145 |
| Loan and lease loss provision to assets | 0.0672% | 2,598 |
| Net operating income to assets | 0.7796% | 3,366 |
| Return on assets (ROA) | 0.7796% | 3,498 |
| Pretax return on assets | 1.1684% | 2,793 |
| Return on Equity (ROE) | 6.9506% | 3,537 |
| Retained earnings to average equity (ytd only) | 6.9506% | 2,034 |
| Net charge-offs to loans | 0.1240% | 1,520 |
| Credit loss provision to net charge-offs | 80.9498% | 1,816 |
| Earnings coverage of net charge-offs (x) | 14.8876% | 1,653 |
| Efficiency ratio | 66.9458% | 3,995 |
| Assets per employee ($millions) | 6.1657% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 2,627 |
| Loan loss allowance to noncurrent loans | 143.0187% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.7421% | 3,264 |
| Noncurrent loans to loans | 1.0199% | 2,723 |
| Net loans and leases to total assets | 66.3475% | 2,717 |
| Net loans and leases to deposits | 87.8798% | 1,621 |
| Net loans and leases to core deposits | 103.8653% | 1,071 |
| Total domestic deposits to total assets | 75.4980% | 5,789 |
| Equity capital to assets | 11.4007% | 2,556 |
| Core capital (leverage) ratio | 9.0096% | 4,938 |
| Tier 1 risk-based capital ratio | 11.8007% | 5,370 |
| Total risk-based capital ratio | 13.0537% | 5,266 |
| Memoranda: | ||
| Average total assets | $26,792,641,000 | 58 |
| Average earning assets | $23,936,023,500 | 58 |
| Average equity | $3,005,147,000 | 55 |
| Average total loans | $17,937,686,000 | 53 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2797% | 5,731 |
| Cost of funding earning assets | 0.1412% | 6,153 |
| Net interest margin | 3.1385% | 5,101 |
| Noninterest income to average assets | 1.1070% | 996 |
| Noninterest expense to average assets | 2.6599% | 4,007 |
| Loan and lease loss provision to assets | 0.0640% | 3,232 |
| Net operating income to assets | 0.7964% | 3,392 |
| Return on assets (ROA) | 0.7972% | 3,486 |
| Pretax return on assets | 1.1639% | 2,809 |
| Return on Equity (ROE) | 6.8220% | 3,739 |
| Retained earnings to average equity (ytd only) | 0.6159% | 5,490 |
| Net charge-offs to loans | 0.0883% | 3,227 |
| Credit loss provision to net charge-offs | 108.2993% | 2,203 |
| Earnings coverage of net charge-offs (x) | 20.7529% | 1,713 |
| Efficiency ratio | 68.0546% | 3,893 |
| Assets per employee ($millions) | 6.2729% | 1,202 |
| Cash dividends to net income (ytd only)* | 90.9715% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 2,495 |
| Loan loss allowance to noncurrent loans | 140.6123% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.7713% | 3,286 |
| Noncurrent loans to loans | 1.0644% | 2,694 |
| Net loans and leases to total assets | 65.5703% | 2,968 |
| Net loans and leases to deposits | 90.6111% | 1,451 |
| Net loans and leases to core deposits | 107.6147% | 917 |
| Total domestic deposits to total assets | 72.3645% | 6,060 |
| Equity capital to assets | 11.0300% | 2,861 |
| Core capital (leverage) ratio | 8.9241% | 5,093 |
| Tier 1 risk-based capital ratio | 12.0064% | 5,363 |
| Total risk-based capital ratio | 13.2605% | 5,262 |
| Memoranda: | ||
| Average total assets | $25,234,665,200 | 56 |
| Average earning assets | $22,349,861,200 | 57 |
| Average equity | $2,948,705,200 | 54 |
| Average total loans | $16,887,251,200 | 50 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2899% | 5,788 |
| Cost of funding earning assets | 0.1396% | 6,243 |
| Net interest margin | 3.1503% | 5,120 |
| Noninterest income to average assets | 1.1466% | 912 |
| Noninterest expense to average assets | 2.6900% | 3,857 |
| Loan and lease loss provision to assets | 0.0456% | 3,479 |
| Net operating income to assets | 0.8084% | 3,393 |
| Return on assets (ROA) | 0.8094% | 3,485 |
| Pretax return on assets | 1.1967% | 2,788 |
| Return on Equity (ROE) | 6.8240% | 3,801 |
| Retained earnings to average equity (ytd only) | 1.8087% | 5,146 |
| Net charge-offs to loans | 0.0835% | 3,008 |
| Credit loss provision to net charge-offs | 81.3553% | 2,569 |
| Earnings coverage of net charge-offs (x) | 22.1632% | 1,640 |
| Efficiency ratio | 68.0270% | 3,847 |
| Assets per employee ($millions) | 6.0237% | 1,320 |
| Cash dividends to net income (ytd only)* | 73.4948% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5171% | 2,625 |
| Loan loss allowance to noncurrent loans | 133.7197% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.8353% | 3,333 |
| Noncurrent loans to loans | 1.1345% | 2,789 |
| Net loans and leases to total assets | 66.7957% | 2,721 |
| Net loans and leases to deposits | 93.3619% | 1,088 |
| Net loans and leases to core deposits | 107.1764% | 893 |
| Total domestic deposits to total assets | 71.5449% | 6,202 |
| Equity capital to assets | 11.6779% | 2,334 |
| Core capital (leverage) ratio | 9.2243% | 4,744 |
| Tier 1 risk-based capital ratio | 12.5452% | 5,140 |
| Total risk-based capital ratio | 13.7997% | 5,075 |
| Memoranda: | ||
| Average total assets | $24,879,923,750 | 57 |
| Average earning assets | $21,989,845,250 | 59 |
| Average equity | $2,950,906,000 | 53 |
| Average total loans | $16,673,460,250 | 51 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2853% | 5,821 |
| Cost of funding earning assets | 0.1374% | 6,326 |
| Net interest margin | 3.1479% | 5,099 |
| Noninterest income to average assets | 1.1467% | 899 |
| Noninterest expense to average assets | 2.6713% | 3,972 |
| Loan and lease loss provision to assets | 0.0932% | 2,471 |
| Net operating income to assets | 0.7873% | 3,391 |
| Return on assets (ROA) | 0.7884% | 3,488 |
| Pretax return on assets | 1.1593% | 2,834 |
| Return on Equity (ROE) | 6.6124% | 3,827 |
| Retained earnings to average equity (ytd only) | -0.9335% | 5,844 |
| Net charge-offs to loans | 0.0960% | 2,711 |
| Credit loss provision to net charge-offs | 145.4407% | 1,489 |
| Earnings coverage of net charge-offs (x) | 19.5174% | 1,622 |
| Efficiency ratio | 67.6971% | 4,063 |
| Assets per employee ($millions) | 5.9538% | 1,303 |
| Cash dividends to net income (ytd only)* | 114.1177% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5611% | 2,621 |
| Loan loss allowance to noncurrent loans | 139.7913% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.8157% | 3,520 |
| Noncurrent loans to loans | 1.1167% | 2,987 |
| Net loans and leases to total assets | 65.8421% | 2,772 |
| Net loans and leases to deposits | 96.3973% | 773 |
| Net loans and leases to core deposits | 111.8924% | 606 |
| Total domestic deposits to total assets | 68.3029% | 6,411 |
| Equity capital to assets | 11.5050% | 2,421 |
| Core capital (leverage) ratio | 9.2432% | 4,678 |
| Tier 1 risk-based capital ratio | 12.3704% | 5,320 |
| Total risk-based capital ratio | 13.6250% | 5,238 |
| Memoranda: | ||
| Average total assets | $24,673,838,670 | 58 |
| Average earning assets | $21,755,049,330 | 59 |
| Average equity | $2,941,988,670 | 54 |
| Average total loans | $16,466,597,000 | 50 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3130% | 5,815 |
| Cost of funding earning assets | 0.1383% | 6,411 |
| Net interest margin | 3.1747% | 5,004 |
| Noninterest income to average assets | 1.1729% | 811 |
| Noninterest expense to average assets | 2.7278% | 3,839 |
| Loan and lease loss provision to assets | 0.0825% | 2,520 |
| Net operating income to assets | 0.7903% | 3,197 |
| Return on assets (ROA) | 0.7921% | 3,265 |
| Pretax return on assets | 1.1602% | 2,656 |
| Return on Equity (ROE) | 6.5230% | 3,737 |
| Retained earnings to average equity (ytd only) | 4.4855% | 3,425 |
| Net charge-offs to loans | 0.1329% | 1,918 |
| Credit loss provision to net charge-offs | 93.1099% | 1,774 |
| Earnings coverage of net charge-offs (x) | 13.9978% | 1,635 |
| Efficiency ratio | 68.3371% | 4,127 |
| Assets per employee ($millions) | 5.6291% | 1,590 |
| Cash dividends to net income (ytd only)* | 31.2363% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5983% | 2,714 |
| Loan loss allowance to noncurrent loans | 139.5447% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.8434% | 3,618 |
| Noncurrent loans to loans | 1.1453% | 3,131 |
| Net loans and leases to total assets | 65.8014% | 2,599 |
| Net loans and leases to deposits | 92.0692% | 947 |
| Net loans and leases to core deposits | 106.2232% | 749 |
| Total domestic deposits to total assets | 71.4695% | 6,388 |
| Equity capital to assets | 12.0721% | 1,822 |
| Core capital (leverage) ratio | 9.7260% | 3,960 |
| Tier 1 risk-based capital ratio | 13.3020% | 4,826 |
| Total risk-based capital ratio | 14.5574% | 4,749 |
| Memoranda: | ||
| Average total assets | $24,248,697,500 | 58 |
| Average earning assets | $21,346,657,500 | 60 |
| Average equity | $2,944,714,000 | 53 |
| Average total loans | $16,163,835,000 | 50 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4266% | 5,782 |
| Cost of funding earning assets | 0.1798% | 6,394 |
| Net interest margin | 3.2468% | 4,846 |
| Noninterest income to average assets | 1.3053% | 816 |
| Noninterest expense to average assets | 2.8368% | 3,584 |
| Loan and lease loss provision to assets | 0.0485% | 4,160 |
| Net operating income to assets | 0.8951% | 2,808 |
| Return on assets (ROA) | 0.8955% | 2,895 |
| Pretax return on assets | 1.2708% | 2,265 |
| Return on Equity (ROE) | 7.2170% | 3,445 |
| Retained earnings to average equity (ytd only) | -0.7140% | 6,014 |
| Net charge-offs to loans | 0.2472% | 2,493 |
| Credit loss provision to net charge-offs | 29.1194% | 4,270 |
| Earnings coverage of net charge-offs (x) | 7.9187% | 2,763 |
| Efficiency ratio | 67.8487% | 4,224 |
| Assets per employee ($millions) | 5.3575% | 1,792 |
| Cash dividends to net income (ytd only)* | 109.8927% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6535% | 2,553 |
| Loan loss allowance to noncurrent loans | 132.8511% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.9017% | 3,635 |
| Noncurrent loans to loans | 1.2446% | 3,054 |
| Net loans and leases to total assets | 65.3428% | 2,801 |
| Net loans and leases to deposits | 89.7783% | 1,255 |
| Net loans and leases to core deposits | 102.4258% | 999 |
| Total domestic deposits to total assets | 72.7824% | 6,372 |
| Equity capital to assets | 12.2174% | 1,670 |
| Core capital (leverage) ratio | 9.8971% | 3,710 |
| Tier 1 risk-based capital ratio | 13.4447% | 4,687 |
| Total risk-based capital ratio | 14.7007% | 4,625 |
| Memoranda: | ||
| Average total assets | $23,373,027,000 | 57 |
| Average earning assets | $20,518,880,600 | 59 |
| Average equity | $2,900,043,800 | 53 |
| Average total loans | $15,746,480,400 | 52 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4211% | 5,841 |
| Cost of funding earning assets | 0.1883% | 6,458 |
| Net interest margin | 3.2328% | 4,885 |
| Noninterest income to average assets | 1.3365% | 825 |
| Noninterest expense to average assets | 2.7964% | 3,675 |
| Loan and lease loss provision to assets | 0.0459% | 4,092 |
| Net operating income to assets | 0.9097% | 2,783 |
| Return on assets (ROA) | 0.9101% | 2,887 |
| Pretax return on assets | 1.3316% | 2,207 |
| Return on Equity (ROE) | 7.3064% | 3,482 |
| Retained earnings to average equity (ytd only) | -3.2896% | 6,382 |
| Net charge-offs to loans | 0.2848% | 2,118 |
| Credit loss provision to net charge-offs | 23.8407% | 3,999 |
| Earnings coverage of net charge-offs (x) | 7.1497% | 2,839 |
| Efficiency ratio | 66.5915% | 4,375 |
| Assets per employee ($millions) | 5.1512% | 1,991 |
| Cash dividends to net income (ytd only)* | 145.0235% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6955% | 2,635 |
| Loan loss allowance to noncurrent loans | 119.6136% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 1.0534% | 3,544 |
| Noncurrent loans to loans | 1.4175% | 3,048 |
| Net loans and leases to total assets | 65.6863% | 2,690 |
| Net loans and leases to deposits | 82.8969% | 2,013 |
| Net loans and leases to core deposits | 95.4992% | 1,432 |
| Total domestic deposits to total assets | 79.2386% | 5,690 |
| Equity capital to assets | 12.2507% | 1,746 |
| Core capital (leverage) ratio | 9.7857% | 3,982 |
| Tier 1 risk-based capital ratio | 13.4274% | 4,812 |
| Total risk-based capital ratio | 14.6839% | 4,751 |
| Memoranda: | ||
| Average total assets | $23,233,244,000 | 57 |
| Average earning assets | $20,387,269,750 | 58 |
| Average equity | $2,894,084,250 | 53 |
| Average total loans | $15,707,885,500 | 53 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4268% | 5,847 |
| Cost of funding earning assets | 0.1996% | 6,471 |
| Net interest margin | 3.2272% | 4,847 |
| Noninterest income to average assets | 1.4098% | 792 |
| Noninterest expense to average assets | 2.8133% | 3,625 |
| Loan and lease loss provision to assets | 0.0690% | 3,658 |
| Net operating income to assets | 0.9320% | 2,655 |
| Return on assets (ROA) | 0.9326% | 2,784 |
| Pretax return on assets | 1.3631% | 2,073 |
| Return on Equity (ROE) | 7.4458% | 3,367 |
| Retained earnings to average equity (ytd only) | -8.3957% | 6,623 |
| Net charge-offs to loans | 0.3581% | 1,768 |
| Credit loss provision to net charge-offs | 28.3970% | 3,623 |
| Earnings coverage of net charge-offs (x) | 5.8884% | 2,811 |
| Efficiency ratio | 65.8706% | 4,572 |
| Assets per employee ($millions) | 4.9717% | 2,145 |
| Cash dividends to net income (ytd only)* | 212.7581% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7020% | 2,775 |
| Loan loss allowance to noncurrent loans | 116.7906% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 1.1104% | 3,509 |
| Noncurrent loans to loans | 1.4573% | 3,122 |
| Net loans and leases to total assets | 67.0025% | 2,412 |
| Net loans and leases to deposits | 89.8674% | 1,157 |
| Net loans and leases to core deposits | 104.0380% | 838 |
| Total domestic deposits to total assets | 74.5571% | 6,398 |
| Equity capital to assets | 12.1478% | 1,811 |
| Core capital (leverage) ratio | 9.5747% | 4,115 |
| Tier 1 risk-based capital ratio | 13.0499% | 5,104 |
| Total risk-based capital ratio | 14.3068% | 5,043 |
| Memoranda: | ||
| Average total assets | $23,182,147,000 | 56 |
| Average earning assets | $20,362,259,330 | 58 |
| Average equity | $2,903,770,670 | 53 |
| Average total loans | $15,734,946,330 | 49 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4281% | 5,879 |
| Cost of funding earning assets | 0.2153% | 6,504 |
| Net interest margin | 3.2129% | 4,886 |
| Noninterest income to average assets | 1.4022% | 780 |
| Noninterest expense to average assets | 2.7682% | 3,804 |
| Loan and lease loss provision to assets | 0.0692% | 3,476 |
| Net operating income to assets | 0.9616% | 2,391 |
| Return on assets (ROA) | 0.9625% | 2,519 |
| Pretax return on assets | 1.3864% | 1,902 |
| Return on Equity (ROE) | 7.5686% | 3,181 |
| Retained earnings to average equity (ytd only) | -23.7208% | 6,866 |
| Net charge-offs to loans | 0.3706% | 1,532 |
| Credit loss provision to net charge-offs | 27.5672% | 2,922 |
| Earnings coverage of net charge-offs (x) | 5.7937% | 2,321 |
| Efficiency ratio | 65.1441% | 4,807 |
| Assets per employee ($millions) | 4.9078% | 2,336 |
| Cash dividends to net income (ytd only)* | 413.4088% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7848% | 2,672 |
| Loan loss allowance to noncurrent loans | 114.3457% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 1.2258% | 3,518 |
| Noncurrent loans to loans | 1.5609% | 3,205 |
| Net loans and leases to total assets | 67.0397% | 2,183 |
| Net loans and leases to deposits | 86.8728% | 1,261 |
| Net loans and leases to core deposits | 100.2658% | 932 |
| Total domestic deposits to total assets | 77.1699% | 6,232 |
| Equity capital to assets | 12.3927% | 1,778 |
| Core capital (leverage) ratio | 9.4454% | 4,174 |
| Tier 1 risk-based capital ratio | 12.9590% | 5,253 |
| Total risk-based capital ratio | 14.2169% | 5,199 |
| Memoranda: | ||
| Average total assets | $23,122,002,000 | 56 |
| Average earning assets | $20,297,382,000 | 58 |
| Average equity | $2,940,292,500 | 53 |
| Average total loans | $15,660,642,500 | 49 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6709% | 6,097 |
| Cost of funding earning assets | 0.2938% | 6,486 |
| Net interest margin | 3.3771% | 4,968 |
| Noninterest income to average assets | 1.4021% | 788 |
| Noninterest expense to average assets | 3.0157% | 3,219 |
| Loan and lease loss provision to assets | 0.0580% | 5,051 |
| Net operating income to assets | 0.8806% | 2,913 |
| Return on assets (ROA) | 0.8922% | 3,091 |
| Pretax return on assets | 1.2965% | 2,418 |
| Return on Equity (ROE) | 6.5060% | 3,909 |
| Retained earnings to average equity (ytd only) | 2.3955% | 4,548 |
| Net charge-offs to loans | 0.5613% | 2,053 |
| Credit loss provision to net charge-offs | 15.4411% | 5,338 |
| Earnings coverage of net charge-offs (x) | 3.5622% | 3,682 |
| Efficiency ratio | 68.8388% | 3,995 |
| Assets per employee ($millions) | 4.9021% | 2,357 |
| Cash dividends to net income (ytd only)* | 63.1795% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8583% | 2,422 |
| Loan loss allowance to noncurrent loans | 106.7613% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 1.3274% | 3,427 |
| Noncurrent loans to loans | 1.7406% | 3,002 |
| Net loans and leases to total assets | 65.9604% | 2,533 |
| Net loans and leases to deposits | 89.6301% | 1,109 |
| Net loans and leases to core deposits | 101.3586% | 934 |
| Total domestic deposits to total assets | 73.5918% | 6,572 |
| Equity capital to assets | 13.0363% | 1,429 |
| Core capital (leverage) ratio | 10.5315% | 2,724 |
| Tier 1 risk-based capital ratio | 14.0762% | 4,322 |
| Total risk-based capital ratio | 15.3350% | 4,274 |
| Memoranda: | ||
| Average total assets | $22,175,372,800 | 56 |
| Average earning assets | $19,379,013,000 | 56 |
| Average equity | $3,041,046,800 | 52 |
| Average total loans | $14,835,520,400 | 51 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7147% | 6,199 |
| Cost of funding earning assets | 0.3116% | 6,554 |
| Net interest margin | 3.4031% | 5,025 |
| Noninterest income to average assets | 1.4317% | 733 |
| Noninterest expense to average assets | 3.0193% | 3,169 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9193% | 2,886 |
| Return on assets (ROA) | 0.9340% | 3,039 |
| Pretax return on assets | 1.4104% | 2,198 |
| Return on Equity (ROE) | 6.7225% | 3,946 |
| Retained earnings to average equity (ytd only) | 3.4366% | 4,445 |
| Net charge-offs to loans | 0.5708% | 1,906 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 3.6392% | 3,570 |
| Efficiency ratio | 68.0711% | 4,047 |
| Assets per employee ($millions) | 4.6903% | 2,611 |
| Cash dividends to net income (ytd only)* | 48.8794% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9767% | 2,236 |
| Loan loss allowance to noncurrent loans | 100.3607% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 1.4909% | 3,358 |
| Noncurrent loans to loans | 1.9696% | 2,872 |
| Net loans and leases to total assets | 65.8065% | 2,688 |
| Net loans and leases to deposits | 88.5758% | 1,289 |
| Net loans and leases to core deposits | 101.0919% | 1,047 |
| Total domestic deposits to total assets | 74.2940% | 6,578 |
| Equity capital to assets | 13.6184% | 1,297 |
| Core capital (leverage) ratio | 10.6540% | 2,752 |
| Tier 1 risk-based capital ratio | 14.6901% | 4,056 |
| Total risk-based capital ratio | 15.9503% | 4,012 |
| Memoranda: | ||
| Average total assets | $21,904,071,000 | 57 |
| Average earning assets | $19,153,452,250 | 57 |
| Average equity | $3,043,228,250 | 53 |
| Average total loans | $14,636,083,000 | 53 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7549% | 6,240 |
| Cost of funding earning assets | 0.3269% | 6,614 |
| Net interest margin | 3.4281% | 4,979 |
| Noninterest income to average assets | 1.4708% | 673 |
| Noninterest expense to average assets | 3.0508% | 3,080 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9314% | 2,756 |
| Return on assets (ROA) | 0.9347% | 3,004 |
| Pretax return on assets | 1.4202% | 2,130 |
| Return on Equity (ROE) | 6.6821% | 3,947 |
| Retained earnings to average equity (ytd only) | 3.3897% | 4,345 |
| Net charge-offs to loans | 0.6275% | 1,754 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 3.3807% | 3,393 |
| Efficiency ratio | 67.8798% | 4,147 |
| Assets per employee ($millions) | 4.5633% | 2,784 |
| Cash dividends to net income (ytd only)* | 49.2713% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1283% | 1,928 |
| Loan loss allowance to noncurrent loans | 92.4712% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 1.7569% | 3,095 |
| Noncurrent loans to loans | 2.3016% | 2,605 |
| Net loans and leases to total assets | 66.5208% | 2,563 |
| Net loans and leases to deposits | 95.5211% | 657 |
| Net loans and leases to core deposits | 106.5114% | 716 |
| Total domestic deposits to total assets | 69.6399% | 6,921 |
| Equity capital to assets | 13.9307% | 1,128 |
| Core capital (leverage) ratio | 10.8533% | 2,432 |
| Tier 1 risk-based capital ratio | 14.9157% | 3,822 |
| Total risk-based capital ratio | 16.1836% | 3,759 |
| Memoranda: | ||
| Average total assets | $21,713,483,000 | 58 |
| Average earning assets | $18,971,715,330 | 57 |
| Average equity | $3,037,353,670 | 53 |
| Average total loans | $14,485,170,330 | 56 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7852% | 6,279 |
| Cost of funding earning assets | 0.3433% | 6,670 |
| Net interest margin | 3.4420% | 4,944 |
| Noninterest income to average assets | 1.4305% | 709 |
| Noninterest expense to average assets | 3.0761% | 2,998 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9070% | 2,884 |
| Return on assets (ROA) | 0.9068% | 3,108 |
| Pretax return on assets | 1.3599% | 2,339 |
| Return on Equity (ROE) | 6.4692% | 4,059 |
| Retained earnings to average equity (ytd only) | 3.1765% | 4,660 |
| Net charge-offs to loans | 0.6112% | 1,568 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 3.3679% | 2,867 |
| Efficiency ratio | 68.9018% | 3,997 |
| Assets per employee ($millions) | 4.4609% | 3,067 |
| Cash dividends to net income (ytd only)* | 50.8978% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3537% | 1,584 |
| Loan loss allowance to noncurrent loans | 97.9732% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 1.7710% | 3,211 |
| Noncurrent loans to loans | 2.4024% | 2,703 |
| Net loans and leases to total assets | 65.0660% | 2,637 |
| Net loans and leases to deposits | 89.4722% | 1,012 |
| Net loans and leases to core deposits | 99.0937% | 1,043 |
| Total domestic deposits to total assets | 72.7220% | 6,846 |
| Equity capital to assets | 14.0919% | 994 |
| Core capital (leverage) ratio | 10.7035% | 2,542 |
| Tier 1 risk-based capital ratio | 15.4032% | 3,499 |
| Total risk-based capital ratio | 16.6735% | 3,459 |
| Memoranda: | ||
| Average total assets | $21,666,171,500 | 59 |
| Average earning assets | $18,921,198,000 | 59 |
| Average equity | $3,037,017,000 | 52 |
| Average total loans | $14,316,559,500 | 57 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8811% | 6,638 |
| Cost of funding earning assets | 0.4862% | 6,587 |
| Net interest margin | 3.3949% | 5,495 |
| Noninterest income to average assets | 1.2358% | 856 |
| Noninterest expense to average assets | 2.9793% | 3,667 |
| Loan and lease loss provision to assets | 0.1567% | 4,675 |
| Net operating income to assets | 0.7553% | 3,241 |
| Return on assets (ROA) | 0.7519% | 3,420 |
| Pretax return on assets | 1.0641% | 2,987 |
| Return on Equity (ROE) | 5.5495% | 4,107 |
| Retained earnings to average equity (ytd only) | 5.5495% | 2,268 |
| Net charge-offs to loans | 1.0348% | 1,681 |
| Credit loss provision to net charge-offs | 24.6403% | 5,859 |
| Earnings coverage of net charge-offs (x) | 1.9273% | 4,329 |
| Efficiency ratio | 70.3349% | 3,881 |
| Assets per employee ($millions) | 4.7084% | 2,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5366% | 1,270 |
| Loan loss allowance to noncurrent loans | 95.2109% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 1.9528% | 3,037 |
| Noncurrent loans to loans | 2.6642% | 2,439 |
| Net loans and leases to total assets | 63.8619% | 3,221 |
| Net loans and leases to deposits | 90.9685% | 1,056 |
| Net loans and leases to core deposits | 100.3989% | 1,142 |
| Total domestic deposits to total assets | 70.2022% | 6,977 |
| Equity capital to assets | 13.9431% | 1,086 |
| Core capital (leverage) ratio | 10.5577% | 2,652 |
| Tier 1 risk-based capital ratio | 15.2266% | 3,494 |
| Total risk-based capital ratio | 16.4980% | 3,439 |
| Memoranda: | ||
| Average total assets | $21,609,533,600 | 58 |
| Average earning assets | $18,898,938,000 | 58 |
| Average equity | $2,927,870,400 | 54 |
| Average total loans | $13,279,796,800 | 61 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9048% | 6,722 |
| Cost of funding earning assets | 0.5067% | 6,671 |
| Net interest margin | 3.3980% | 5,580 |
| Noninterest income to average assets | 1.2109% | 898 |
| Noninterest expense to average assets | 2.8970% | 3,944 |
| Loan and lease loss provision to assets | 0.2030% | 3,987 |
| Net operating income to assets | 0.7495% | 3,383 |
| Return on assets (ROA) | 0.7464% | 3,563 |
| Pretax return on assets | 1.0819% | 3,087 |
| Return on Equity (ROE) | 5.5495% | 4,251 |
| Retained earnings to average equity (ytd only) | 5.5495% | 2,823 |
| Net charge-offs to loans | 1.1788% | 1,334 |
| Credit loss provision to net charge-offs | 28.4971% | 5,433 |
| Earnings coverage of net charge-offs (x) | 1.8101% | 4,305 |
| Efficiency ratio | 68.6796% | 4,177 |
| Assets per employee ($millions) | 4.7800% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7979% | 1,032 |
| Loan loss allowance to noncurrent loans | 91.0972% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 2.1482% | 2,979 |
| Noncurrent loans to loans | 3.0714% | 2,255 |
| Net loans and leases to total assets | 61.3194% | 3,881 |
| Net loans and leases to deposits | 89.0569% | 1,313 |
| Net loans and leases to core deposits | 99.6178% | 1,282 |
| Total domestic deposits to total assets | 68.1888% | 7,132 |
| Equity capital to assets | 13.8529% | 1,225 |
| Core capital (leverage) ratio | 10.3532% | 3,032 |
| Tier 1 risk-based capital ratio | 15.5660% | 3,350 |
| Total risk-based capital ratio | 16.8416% | 3,298 |
| Memoranda: | ||
| Average total assets | $21,583,164,000 | 58 |
| Average earning assets | $18,899,180,750 | 58 |
| Average equity | $2,902,902,000 | 54 |
| Average total loans | $13,042,610,500 | 61 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9133% | 6,786 |
| Cost of funding earning assets | 0.5272% | 6,757 |
| Net interest margin | 3.3861% | 5,594 |
| Noninterest income to average assets | 1.1660% | 933 |
| Noninterest expense to average assets | 2.8913% | 4,058 |
| Loan and lease loss provision to assets | 0.2745% | 3,192 |
| Net operating income to assets | 0.6662% | 3,707 |
| Return on assets (ROA) | 0.6662% | 3,831 |
| Pretax return on assets | 0.9674% | 3,368 |
| Return on Equity (ROE) | 5.0032% | 4,449 |
| Retained earnings to average equity (ytd only) | 5.0032% | 3,003 |
| Net charge-offs to loans | 1.3296% | 1,149 |
| Credit loss provision to net charge-offs | 34.6686% | 4,913 |
| Earnings coverage of net charge-offs (x) | 1.5687% | 4,112 |
| Efficiency ratio | 69.4255% | 4,231 |
| Assets per employee ($millions) | 4.8549% | 2,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1143% | 815 |
| Loan loss allowance to noncurrent loans | 82.6146% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 2.4788% | 2,693 |
| Noncurrent loans to loans | 3.7696% | 1,857 |
| Net loans and leases to total assets | 58.2916% | 4,579 |
| Net loans and leases to deposits | 88.0527% | 1,492 |
| Net loans and leases to core deposits | 100.9644% | 1,260 |
| Total domestic deposits to total assets | 64.4088% | 7,303 |
| Equity capital to assets | 13.4665% | 1,312 |
| Core capital (leverage) ratio | 10.1787% | 3,057 |
| Tier 1 risk-based capital ratio | 15.7298% | 3,113 |
| Total risk-based capital ratio | 17.0122% | 3,080 |
| Memoranda: | ||
| Average total assets | $21,562,960,670 | 59 |
| Average earning assets | $18,895,089,000 | 60 |
| Average equity | $2,871,102,330 | 56 |
| Average total loans | $12,838,858,000 | 63 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9233% | 6,798 |
| Cost of funding earning assets | 0.5529% | 6,793 |
| Net interest margin | 3.3704% | 5,539 |
| Noninterest income to average assets | 1.2547% | 807 |
| Noninterest expense to average assets | 2.9674% | 3,780 |
| Loan and lease loss provision to assets | 0.3448% | 2,495 |
| Net operating income to assets | 0.6455% | 3,773 |
| Return on assets (ROA) | 0.6455% | 3,850 |
| Pretax return on assets | 0.8905% | 3,538 |
| Return on Equity (ROE) | 4.8762% | 4,466 |
| Retained earnings to average equity (ytd only) | 4.8762% | 3,267 |
| Net charge-offs to loans | 1.3245% | 1,045 |
| Credit loss provision to net charge-offs | 43.9489% | 3,871 |
| Earnings coverage of net charge-offs (x) | 1.5747% | 3,532 |
| Efficiency ratio | 70.0851% | 4,253 |
| Assets per employee ($millions) | 4.8161% | 2,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4756% | 619 |
| Loan loss allowance to noncurrent loans | 86.4043% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 2.6298% | 2,612 |
| Noncurrent loans to loans | 4.0225% | 1,804 |
| Net loans and leases to total assets | 57.5486% | 4,715 |
| Net loans and leases to deposits | 83.3398% | 2,131 |
| Net loans and leases to core deposits | 98.3927% | 1,482 |
| Total domestic deposits to total assets | 65.7904% | 7,335 |
| Equity capital to assets | 13.4662% | 1,201 |
| Core capital (leverage) ratio | 10.0473% | 3,092 |
| Tier 1 risk-based capital ratio | 15.7052% | 3,055 |
| Total risk-based capital ratio | 16.9896% | 2,991 |
| Memoranda: | ||
| Average total assets | $21,437,865,000 | 58 |
| Average earning assets | $18,751,176,000 | 61 |
| Average equity | $2,837,924,500 | 55 |
| Average total loans | $12,696,308,000 | 62 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9987% | 7,136 |
| Cost of funding earning assets | 0.7256% | 6,803 |
| Net interest margin | 3.2731% | 6,060 |
| Noninterest income to average assets | 1.3576% | 796 |
| Noninterest expense to average assets | 2.6984% | 4,996 |
| Loan and lease loss provision to assets | 1.7034% | 829 |
| Net operating income to assets | 0.0291% | 5,753 |
| Return on assets (ROA) | 0.1028% | 5,720 |
| Pretax return on assets | -0.0544% | 5,959 |
| Return on Equity (ROE) | 0.8270% | 5,747 |
| Retained earnings to average equity (ytd only) | 0.8270% | 5,140 |
| Net charge-offs to loans | 3.6420% | 378 |
| Credit loss provision to net charge-offs | 79.6632% | 5,573 |
| Earnings coverage of net charge-offs (x) | 0.7173% | 5,395 |
| Efficiency ratio | 63.2380% | 5,473 |
| Assets per employee ($millions) | 4.9572% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6553% | 524 |
| Loan loss allowance to noncurrent loans | 79.5464% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 2.9073% | 2,415 |
| Noncurrent loans to loans | 4.5952% | 1,533 |
| Net loans and leases to total assets | 56.6821% | 5,233 |
| Net loans and leases to deposits | 78.2203% | 3,481 |
| Net loans and leases to core deposits | 92.5744% | 2,432 |
| Total domestic deposits to total assets | 70.3827% | 7,216 |
| Equity capital to assets | 13.0130% | 1,388 |
| Core capital (leverage) ratio | 9.5546% | 3,639 |
| Tier 1 risk-based capital ratio | 15.1003% | 3,191 |
| Total risk-based capital ratio | 16.3830% | 3,125 |
| Memoranda: | ||
| Average total assets | $22,336,110,600 | 54 |
| Average earning assets | $19,616,866,800 | 55 |
| Average equity | $2,776,293,000 | 54 |
| Average total loans | $13,113,626,000 | 62 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0389% | 7,262 |
| Cost of funding earning assets | 0.7489% | 6,914 |
| Net interest margin | 3.2899% | 6,051 |
| Noninterest income to average assets | 1.3128% | 798 |
| Noninterest expense to average assets | 2.6292% | 5,201 |
| Loan and lease loss provision to assets | 1.8955% | 648 |
| Net operating income to assets | -0.0866% | 6,168 |
| Return on assets (ROA) | 0.0150% | 6,094 |
| Pretax return on assets | -0.1607% | 6,282 |
| Return on Equity (ROE) | 0.1217% | 6,093 |
| Retained earnings to average equity (ytd only) | 0.1217% | 5,728 |
| Net charge-offs to loans | 3.7639% | 340 |
| Credit loss provision to net charge-offs | 85.8196% | 4,922 |
| Earnings coverage of net charge-offs (x) | 0.7136% | 5,343 |
| Efficiency ratio | 61.9975% | 5,621 |
| Assets per employee ($millions) | 5.1948% | 1,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0581% | 351 |
| Loan loss allowance to noncurrent loans | 66.9830% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 3.6379% | 1,957 |
| Noncurrent loans to loans | 6.0584% | 1,022 |
| Net loans and leases to total assets | 54.0675% | 5,842 |
| Net loans and leases to deposits | 70.0661% | 5,135 |
| Net loans and leases to core deposits | 87.1232% | 3,502 |
| Total domestic deposits to total assets | 75.4881% | 6,745 |
| Equity capital to assets | 12.7719% | 1,699 |
| Core capital (leverage) ratio | 9.1735% | 4,419 |
| Tier 1 risk-based capital ratio | 15.1945% | 3,160 |
| Total risk-based capital ratio | 16.4816% | 3,106 |
| Memoranda: | ||
| Average total assets | $22,520,541,500 | 54 |
| Average earning assets | $19,800,378,000 | 55 |
| Average equity | $2,767,715,500 | 53 |
| Average total loans | $13,215,308,500 | 60 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1121% | 7,271 |
| Cost of funding earning assets | 0.7698% | 7,005 |
| Net interest margin | 3.3423% | 5,865 |
| Noninterest income to average assets | 1.2962% | 756 |
| Noninterest expense to average assets | 2.6090% | 5,285 |
| Loan and lease loss provision to assets | 2.2834% | 511 |
| Net operating income to assets | -0.2936% | 6,467 |
| Return on assets (ROA) | -0.1609% | 6,366 |
| Pretax return on assets | -0.4491% | 6,550 |
| Return on Equity (ROE) | -1.3263% | 6,357 |
| Retained earnings to average equity (ytd only) | -1.3263% | 6,034 |
| Net charge-offs to loans | 3.9552% | 329 |
| Credit loss provision to net charge-offs | 97.1196% | 4,208 |
| Earnings coverage of net charge-offs (x) | 0.6920% | 5,054 |
| Efficiency ratio | 61.0667% | 5,839 |
| Assets per employee ($millions) | 5.2573% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3316% | 289 |
| Loan loss allowance to noncurrent loans | 56.0471% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 4.6223% | 1,417 |
| Noncurrent loans to loans | 7.7285% | 684 |
| Net loans and leases to total assets | 54.4618% | 5,922 |
| Net loans and leases to deposits | 70.4928% | 5,208 |
| Net loans and leases to core deposits | 93.5638% | 2,788 |
| Total domestic deposits to total assets | 75.4589% | 6,784 |
| Equity capital to assets | 12.5244% | 1,784 |
| Core capital (leverage) ratio | 9.1284% | 4,413 |
| Tier 1 risk-based capital ratio | 14.7277% | 3,315 |
| Total risk-based capital ratio | 16.0175% | 3,256 |
| Memoranda: | ||
| Average total assets | $22,612,715,330 | 54 |
| Average earning assets | $19,890,410,000 | 54 |
| Average equity | $2,743,294,000 | 53 |
| Average total loans | $13,441,916,330 | 58 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2120% | 7,247 |
| Cost of funding earning assets | 0.7844% | 7,138 |
| Net interest margin | 3.4277% | 5,472 |
| Noninterest income to average assets | 1.2360% | 802 |
| Noninterest expense to average assets | 2.5575% | 5,524 |
| Loan and lease loss provision to assets | 2.8698% | 356 |
| Net operating income to assets | -0.6156% | 6,907 |
| Return on assets (ROA) | -0.3495% | 6,758 |
| Pretax return on assets | -0.7613% | 6,931 |
| Return on Equity (ROE) | -2.9282% | 6,730 |
| Retained earnings to average equity (ytd only) | -2.9282% | 6,351 |
| Net charge-offs to loans | 4.6841% | 268 |
| Credit loss provision to net charge-offs | 100.9502% | 3,361 |
| Earnings coverage of net charge-offs (x) | 0.5954% | 4,496 |
| Efficiency ratio | 59.6534% | 6,235 |
| Assets per employee ($millions) | 5.3885% | 1,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1880% | 317 |
| Loan loss allowance to noncurrent loans | 47.0332% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 5.5182% | 1,119 |
| Noncurrent loans to loans | 8.9043% | 549 |
| Net loans and leases to total assets | 56.4817% | 5,675 |
| Net loans and leases to deposits | 72.0963% | 5,036 |
| Net loans and leases to core deposits | 95.5705% | 2,633 |
| Total domestic deposits to total assets | 76.6527% | 6,633 |
| Equity capital to assets | 12.2631% | 1,898 |
| Core capital (leverage) ratio | 8.8801% | 4,757 |
| Tier 1 risk-based capital ratio | 13.9246% | 3,707 |
| Total risk-based capital ratio | 15.2134% | 3,643 |
| Memoranda: | ||
| Average total assets | $22,686,893,000 | 54 |
| Average earning assets | $19,949,896,500 | 53 |
| Average equity | $2,708,180,000 | 52 |
| Average total loans | $13,768,659,000 | 55 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6336% | 7,230 |
| Cost of funding earning assets | 1.0904% | 7,006 |
| Net interest margin | 3.5432% | 4,768 |
| Noninterest income to average assets | 1.3820% | 771 |
| Noninterest expense to average assets | 2.5201% | 6,061 |
| Loan and lease loss provision to assets | 3.1844% | 514 |
| Net operating income to assets | -0.5301% | 6,221 |
| Return on assets (ROA) | -0.5047% | 6,177 |
| Pretax return on assets | -1.1538% | 6,512 |
| Return on Equity (ROE) | -4.3513% | 6,144 |
| Retained earnings to average equity (ytd only) | -4.6473% | 5,976 |
| Net charge-offs to loans | 2.8495% | 767 |
| Credit loss provision to net charge-offs | 170.3954% | 2,503 |
| Earnings coverage of net charge-offs (x) | 1.0654% | 5,050 |
| Efficiency ratio | 55.3373% | 7,090 |
| Assets per employee ($millions) | 5.2918% | 1,843 |
| Cash dividends to net income (ytd only)* | -6.8038% | 7,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9856% | 367 |
| Loan loss allowance to noncurrent loans | 50.5728% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 5.2206% | 1,144 |
| Noncurrent loans to loans | 7.8809% | 650 |
| Net loans and leases to total assets | 59.9593% | 5,343 |
| Net loans and leases to deposits | 80.2598% | 3,942 |
| Net loans and leases to core deposits | 88.2434% | 5,303 |
| Total domestic deposits to total assets | 73.7488% | 7,053 |
| Equity capital to assets | 11.6078% | 2,242 |
| Core capital (leverage) ratio | 8.2638% | 5,693 |
| Tier 1 risk-based capital ratio | 11.8708% | 5,060 |
| Total risk-based capital ratio | 13.1558% | 4,982 |
| Memoranda: | ||
| Average total assets | $23,297,147,800 | 55 |
| Average earning assets | $20,574,092,400 | 55 |
| Average equity | $2,702,233,000 | 51 |
| Average total loans | $15,279,499,800 | 52 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6841% | 7,305 |
| Cost of funding earning assets | 1.1567% | 7,019 |
| Net interest margin | 3.5275% | 4,753 |
| Noninterest income to average assets | 1.2182% | 1,036 |
| Noninterest expense to average assets | 2.3055% | 6,689 |
| Loan and lease loss provision to assets | 1.9925% | 910 |
| Net operating income to assets | 0.2266% | 5,069 |
| Return on assets (ROA) | 0.2810% | 4,969 |
| Pretax return on assets | 0.0959% | 5,539 |
| Return on Equity (ROE) | 2.4228% | 5,019 |
| Retained earnings to average equity (ytd only) | 2.4228% | 3,970 |
| Net charge-offs to loans | 1.7647% | 1,144 |
| Credit loss provision to net charge-offs | 170.1993% | 2,738 |
| Earnings coverage of net charge-offs (x) | 1.7375% | 4,495 |
| Efficiency ratio | 52.5843% | 7,363 |
| Assets per employee ($millions) | 5.3037% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7358% | 847 |
| Loan loss allowance to noncurrent loans | 45.8453% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 4.1437% | 1,518 |
| Noncurrent loans to loans | 5.9675% | 997 |
| Net loans and leases to total assets | 63.2566% | 5,029 |
| Net loans and leases to deposits | 86.2048% | 3,271 |
| Net loans and leases to core deposits | 95.7584% | 4,833 |
| Total domestic deposits to total assets | 73.3795% | 7,037 |
| Equity capital to assets | 12.8336% | 1,767 |
| Core capital (leverage) ratio | 8.3304% | 5,783 |
| Tier 1 risk-based capital ratio | 11.8411% | 5,112 |
| Total risk-based capital ratio | 13.1112% | 5,035 |
| Memoranda: | ||
| Average total assets | $23,480,404,250 | 60 |
| Average earning assets | $20,777,552,250 | 59 |
| Average equity | $2,722,994,500 | 53 |
| Average total loans | $15,576,651,750 | 55 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7392% | 7,336 |
| Cost of funding earning assets | 1.2232% | 7,039 |
| Net interest margin | 3.5160% | 4,726 |
| Noninterest income to average assets | 1.2794% | 933 |
| Noninterest expense to average assets | 2.3036% | 6,750 |
| Loan and lease loss provision to assets | 2.1600% | 738 |
| Net operating income to assets | 0.1964% | 5,277 |
| Return on assets (ROA) | 0.2772% | 5,095 |
| Pretax return on assets | 0.0004% | 5,868 |
| Return on Equity (ROE) | 2.4728% | 5,118 |
| Retained earnings to average equity (ytd only) | 2.4728% | 3,963 |
| Net charge-offs to loans | 1.4706% | 1,291 |
| Credit loss provision to net charge-offs | 220.0462% | 2,089 |
| Earnings coverage of net charge-offs (x) | 2.1186% | 4,011 |
| Efficiency ratio | 52.0239% | 7,512 |
| Assets per employee ($millions) | 5.3507% | 1,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5493% | 858 |
| Loan loss allowance to noncurrent loans | 54.8025% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 3.2718% | 1,904 |
| Noncurrent loans to loans | 4.6518% | 1,371 |
| Net loans and leases to total assets | 64.0317% | 4,975 |
| Net loans and leases to deposits | 92.3862% | 2,397 |
| Net loans and leases to core deposits | 102.6422% | 4,214 |
| Total domestic deposits to total assets | 69.3087% | 7,529 |
| Equity capital to assets | 11.9483% | 2,235 |
| Core capital (leverage) ratio | 7.9928% | 6,346 |
| Tier 1 risk-based capital ratio | 11.1157% | 5,758 |
| Total risk-based capital ratio | 12.3827% | 5,652 |
| Memoranda: | ||
| Average total assets | $23,816,590,670 | 63 |
| Average earning assets | $21,024,426,670 | 62 |
| Average equity | $2,669,344,670 | 55 |
| Average total loans | $15,897,280,330 | 57 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8447% | 7,298 |
| Cost of funding earning assets | 1.2440% | 7,188 |
| Net interest margin | 3.6007% | 4,311 |
| Noninterest income to average assets | 1.1441% | 1,126 |
| Noninterest expense to average assets | 2.1665% | 6,965 |
| Loan and lease loss provision to assets | 1.7395% | 716 |
| Net operating income to assets | 0.6336% | 3,871 |
| Return on assets (ROA) | 0.8165% | 3,214 |
| Pretax return on assets | 0.5911% | 4,783 |
| Return on Equity (ROE) | 7.5304% | 3,363 |
| Retained earnings to average equity (ytd only) | 7.5304% | 2,008 |
| Net charge-offs to loans | 1.4142% | 1,007 |
| Credit loss provision to net charge-offs | 182.8611% | 2,378 |
| Earnings coverage of net charge-offs (x) | 2.2577% | 3,605 |
| Efficiency ratio | 49.6820% | 7,607 |
| Assets per employee ($millions) | 5.3883% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8835% | 1,661 |
| Loan loss allowance to noncurrent loans | 67.0860% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 2.1026% | 2,745 |
| Noncurrent loans to loans | 2.8075% | 2,329 |
| Net loans and leases to total assets | 65.6065% | 4,668 |
| Net loans and leases to deposits | 98.9697% | 1,536 |
| Net loans and leases to core deposits | 110.3196% | 3,391 |
| Total domestic deposits to total assets | 66.2895% | 7,715 |
| Equity capital to assets | 10.9609% | 2,997 |
| Core capital (leverage) ratio | 7.0709% | 7,584 |
| Tier 1 risk-based capital ratio | 9.3854% | 7,518 |
| Total risk-based capital ratio | 10.6424% | 7,472 |
| Memoranda: | ||
| Average total assets | $23,921,319,500 | 63 |
| Average earning assets | $21,060,187,000 | 63 |
| Average equity | $2,593,696,000 | 56 |
| Average total loans | $16,090,180,500 | 58 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6765% | 6,849 |
| Cost of funding earning assets | 2.0504% | 6,234 |
| Net interest margin | 3.6260% | 4,764 |
| Noninterest income to average assets | 1.2815% | 895 |
| Noninterest expense to average assets | 2.3025% | 6,695 |
| Loan and lease loss provision to assets | 0.8527% | 1,748 |
| Net operating income to assets | 0.9951% | 2,577 |
| Return on assets (ROA) | 0.8203% | 3,186 |
| Pretax return on assets | 1.0764% | 3,115 |
| Return on Equity (ROE) | 7.1657% | 3,444 |
| Retained earnings to average equity (ytd only) | 2.2534% | 3,808 |
| Net charge-offs to loans | 0.7959% | 1,566 |
| Credit loss provision to net charge-offs | 149.5074% | 3,528 |
| Earnings coverage of net charge-offs (x) | 3.7854% | 4,223 |
| Efficiency ratio | 50.9749% | 7,589 |
| Assets per employee ($millions) | 5.5449% | 1,420 |
| Cash dividends to net income (ytd only)* | 68.5533% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5813% | 2,324 |
| Loan loss allowance to noncurrent loans | 74.9437% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 1.6288% | 2,990 |
| Noncurrent loans to loans | 2.1100% | 2,616 |
| Net loans and leases to total assets | 66.5926% | 4,737 |
| Net loans and leases to deposits | 104.5207% | 1,288 |
| Net loans and leases to core deposits | 116.8024% | 3,025 |
| Total domestic deposits to total assets | 63.7124% | 7,810 |
| Equity capital to assets | 10.7236% | 3,277 |
| Core capital (leverage) ratio | 7.3093% | 7,404 |
| Tier 1 risk-based capital ratio | 9.0675% | 7,744 |
| Total risk-based capital ratio | 10.3217% | 7,707 |
| Memoranda: | ||
| Average total assets | $22,227,994,800 | 62 |
| Average earning assets | $19,493,655,400 | 64 |
| Average equity | $2,544,624,200 | 57 |
| Average total loans | $15,929,363,200 | 59 |