| 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 | 5.8161% | 669 |
| Cost of funding earning assets | 2.2778% | 431 |
| Net interest margin | 3.5383% | 2,133 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.7877% | 1,461 |
| Loan and lease loss provision to assets | 0.8100% | 84 |
| Net operating income to assets | 0.1260% | 4,297 |
| Return on assets (ROA) | 0.1322% | 4,309 |
| Pretax return on assets | 0.1525% | 4,299 |
| Return on Equity (ROE) | 1.1200% | 4,300 |
| Retained earnings to average equity (ytd only) | 0.7587% | 3,994 |
| Net charge-offs to loans | 0.2726% | 315 |
| Credit loss provision to net charge-offs | 463.7873% | 672 |
| Earnings coverage of net charge-offs (x) | 5.9046% | 2,325 |
| Efficiency ratio | 71.4712% | 1,623 |
| Assets per employee ($millions) | 12.8974% | 305 |
| Cash dividends to net income (ytd only)* | 32.2202% | 1,986 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5723% | 935 |
| Loan loss allowance to noncurrent loans | 173.9927% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.5462% | 1,070 |
| Noncurrent loans to loans | 0.9037% | 913 |
| Net loans and leases to total assets | 58.5500% | 2,981 |
| Net loans and leases to deposits | 75.9070% | 2,426 |
| Net loans and leases to core deposits | 86.5188% | 2,156 |
| Total domestic deposits to total assets | 77.1400% | 3,914 |
| Equity capital to assets | 12.0745% | 1,024 |
| Core capital (leverage) ratio | 9.1751% | 3,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9732% | 2,278 |
| Memoranda: |
| Average total assets | $241,631,019,500 | 14 |
| Average earning assets | $215,196,017,250 | 14 |
| Average equity | $28,539,606,000 | 11 |
| Average total loans | $142,705,835,000 | 12 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6954% | 642 |
| Cost of funding earning assets | 2.1409% | 383 |
| Net interest margin | 3.5545% | 2,143 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 2.7562% | 1,508 |
| Loan and lease loss provision to assets | 1.1600% | 52 |
| Net operating income to assets | -0.0671% | 4,499 |
| Return on assets (ROA) | -0.0651% | 4,490 |
| Pretax return on assets | -0.1234% | 4,496 |
| Return on Equity (ROE) | -0.5600% | 4,461 |
| Retained earnings to average equity (ytd only) | -0.5559% | 4,166 |
| Net charge-offs to loans | 0.3336% | 248 |
| Credit loss provision to net charge-offs | 537.6599% | 624 |
| Earnings coverage of net charge-offs (x) | 5.2380% | 2,179 |
| Efficiency ratio | 69.8602% | 1,773 |
| Assets per employee ($millions) | 13.0478% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5107% | 1,144 |
| Loan loss allowance to noncurrent loans | 228.7769% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.3988% | 1,335 |
| Noncurrent loans to loans | 0.6604% | 1,129 |
| Net loans and leases to total assets | 58.5800% | 2,913 |
| Net loans and leases to deposits | 76.2821% | 2,283 |
| Net loans and leases to core deposits | 86.5366% | 2,028 |
| Total domestic deposits to total assets | 76.8000% | 3,973 |
| Equity capital to assets | 12.1437% | 1,010 |
| Core capital (leverage) ratio | 9.0484% | 3,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7196% | 2,394 |
| Memoranda: |
| Average total assets | $235,256,761,000 | 14 |
| Average earning assets | $210,337,460,000 | 14 |
| Average equity | $27,569,557,667 | 11 |
| Average total loans | $138,562,396,000 | 12 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4361% | 680 |
| Cost of funding earning assets | 1.9866% | 303 |
| Net interest margin | 3.4496% | 2,498 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 2.8624% | 1,310 |
| Loan and lease loss provision to assets | 1.9000% | 35 |
| Net operating income to assets | -0.6977% | 4,604 |
| Return on assets (ROA) | -0.6976% | 4,595 |
| Pretax return on assets | -1.0141% | 4,606 |
| Return on Equity (ROE) | -6.0800% | 4,565 |
| Retained earnings to average equity (ytd only) | -6.0841% | 4,369 |
| Net charge-offs to loans | 0.5723% | 142 |
| Credit loss provision to net charge-offs | 503.7495% | 539 |
| Earnings coverage of net charge-offs (x) | 2.6285% | 1,922 |
| Efficiency ratio | 74.0440% | 1,335 |
| Assets per employee ($millions) | 13.0923% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3286% | 1,902 |
| Loan loss allowance to noncurrent loans | 223.3187% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.3602% | 1,427 |
| Noncurrent loans to loans | 0.5949% | 1,252 |
| Net loans and leases to total assets | 58.8100% | 2,784 |
| Net loans and leases to deposits | 75.0725% | 2,200 |
| Net loans and leases to core deposits | 83.5290% | 2,020 |
| Total domestic deposits to total assets | 78.3400% | 3,968 |
| Equity capital to assets | 12.1262% | 964 |
| Core capital (leverage) ratio | 9.9297% | 2,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3018% | 2,636 |
| Memoranda: |
| Average total assets | $221,213,115,000 | 16 |
| Average earning assets | $199,146,791,000 | 15 |
| Average equity | $25,364,447,500 | 13 |
| Average total loans | $129,525,040,000 | 15 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3793% | 3,402 |
| Cost of funding earning assets | 0.9803% | 178 |
| Net interest margin | 2.3990% | 4,362 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.1604% | 3,125 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 0.5619% | 3,963 |
| Return on assets (ROA) | 0.6094% | 3,810 |
| Pretax return on assets | 0.7911% | 3,650 |
| Return on Equity (ROE) | 6.3100% | 3,768 |
| Retained earnings to average equity (ytd only) | 4.4081% | 3,263 |
| Net charge-offs to loans | 0.0216% | 1,638 |
| Credit loss provision to net charge-offs | -86.6176% | 4,573 |
| Earnings coverage of net charge-offs (x) | 59.2867% | 1,265 |
| Efficiency ratio | 74.8348% | 1,136 |
| Assets per employee ($millions) | 15.7779% | 174 |
| Cash dividends to net income (ytd only)* | 30.1787% | 2,415 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8400% | 3,944 |
| Loan loss allowance to noncurrent loans | 187.4403% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 1,867 |
| Noncurrent loans to loans | 0.4481% | 1,589 |
| Net loans and leases to total assets | 56.5000% | 2,973 |
| Net loans and leases to deposits | 70.4060% | 2,548 |
| Net loans and leases to core deposits | 77.6343% | 2,306 |
| Total domestic deposits to total assets | 80.2400% | 3,839 |
| Equity capital to assets | 10.4759% | 1,459 |
| Core capital (leverage) ratio | 10.7846% | 1,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9490% | 1,645 |
| Memoranda: |
| Average total assets | $167,633,013,000 | 25 |
| Average earning assets | $154,858,121,800 | 25 |
| Average equity | $16,181,124,000 | 22 |
| Average total loans | $94,374,590,800 | 21 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9904% | 3,902 |
| Cost of funding earning assets | 0.4439% | 1,011 |
| Net interest margin | 2.5465% | 4,170 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 1.8175% | 3,952 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 0.9514% | 2,664 |
| Return on assets (ROA) | 1.0076% | 2,420 |
| Pretax return on assets | 1.3312% | 1,946 |
| Return on Equity (ROE) | 10.6800% | 2,511 |
| Retained earnings to average equity (ytd only) | 8.0457% | 1,985 |
| Net charge-offs to loans | 0.0226% | 1,381 |
| Credit loss provision to net charge-offs | -208.3652% | 4,664 |
| Earnings coverage of net charge-offs (x) | 97.3740% | 963 |
| Efficiency ratio | 59.4143% | 3,196 |
| Assets per employee ($millions) | 15.0123% | 207 |
| Cash dividends to net income (ytd only)* | 24.6808% | 2,277 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8379% | 4,010 |
| Loan loss allowance to noncurrent loans | 181.7010% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.2827% | 1,821 |
| Noncurrent loans to loans | 0.4612% | 1,648 |
| Net loans and leases to total assets | 60.0600% | 2,500 |
| Net loans and leases to deposits | 72.6315% | 2,161 |
| Net loans and leases to core deposits | 77.2404% | 2,096 |
| Total domestic deposits to total assets | 82.7000% | 3,728 |
| Equity capital to assets | 8.7685% | 2,364 |
| Core capital (leverage) ratio | 8.9862% | 3,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1838% | 2,755 |
| Memoranda: |
| Average total assets | $165,296,201,750 | 26 |
| Average earning assets | $152,870,131,000 | 25 |
| Average equity | $15,591,314,750 | 25 |
| Average total loans | $92,759,549,250 | 22 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6417% | 4,229 |
| Cost of funding earning assets | 0.2606% | 2,136 |
| Net interest margin | 2.3811% | 4,251 |
| Noninterest income to average assets | 0.7181% | 1,266 |
| Noninterest expense to average assets | 1.7067% | 4,136 |
| Loan and lease loss provision to assets | -0.1171% | 4,618 |
| Net operating income to assets | 1.0054% | 2,133 |
| Return on assets (ROA) | 1.0732% | 1,856 |
| Pretax return on assets | 1.4203% | 1,383 |
| Return on Equity (ROE) | 11.1184% | 1,942 |
| Retained earnings to average equity (ytd only) | 8.7153% | 1,371 |
| Net charge-offs to loans | 0.0183% | 1,373 |
| Credit loss provision to net charge-offs | -1,174.1459% | 3,585 |
| Earnings coverage of net charge-offs (x) | 122.0111% | 728 |
| Efficiency ratio | 58.2100% | 3,533 |
| Assets per employee ($millions) | 15.0988% | 199 |
| Cash dividends to net income (ytd only)* | 21.6139% | 2,400 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8299% | 4,126 |
| Loan loss allowance to noncurrent loans | 159.3384% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 1,791 |
| Noncurrent loans to loans | 0.5208% | 1,582 |
| Net loans and leases to total assets | 57.0984% | 2,630 |
| Net loans and leases to deposits | 69.8922% | 2,215 |
| Net loans and leases to core deposits | 72.6750% | 2,268 |
| Total domestic deposits to total assets | 81.6950% | 4,050 |
| Equity capital to assets | 9.4366% | 2,069 |
| Core capital (leverage) ratio | 8.9108% | 3,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6255% | 2,643 |
| Memoranda: |
| Average total assets | $165,454,823,333 | 26 |
| Average earning assets | $153,275,989,000 | 25 |
| Average equity | $15,970,969,333 | 25 |
| Average total loans | $90,401,585,000 | 23 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4330% | 4,342 |
| Cost of funding earning assets | 0.1990% | 2,817 |
| Net interest margin | 2.2340% | 4,310 |
| Noninterest income to average assets | 0.7267% | 1,231 |
| Noninterest expense to average assets | 1.6457% | 4,217 |
| Loan and lease loss provision to assets | -0.1599% | 4,656 |
| Net operating income to assets | 0.9932% | 1,901 |
| Return on assets (ROA) | 1.0132% | 1,815 |
| Pretax return on assets | 1.3398% | 1,409 |
| Return on Equity (ROE) | 10.3825% | 1,830 |
| Retained earnings to average equity (ytd only) | 8.2541% | 1,501 |
| Net charge-offs to loans | 0.0418% | 863 |
| Credit loss provision to net charge-offs | -718.2936% | 3,207 |
| Earnings coverage of net charge-offs (x) | 51.8664% | 914 |
| Efficiency ratio | 58.6049% | 3,621 |
| Assets per employee ($millions) | 15.5499% | 185 |
| Cash dividends to net income (ytd only)* | 20.5002% | 1,970 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9053% | 4,030 |
| Loan loss allowance to noncurrent loans | 145.2321% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.3373% | 1,759 |
| Noncurrent loans to loans | 0.6234% | 1,504 |
| Net loans and leases to total assets | 53.1903% | 2,857 |
| Net loans and leases to deposits | 64.7339% | 2,461 |
| Net loans and leases to core deposits | 66.2452% | 2,614 |
| Total domestic deposits to total assets | 82.1677% | 4,052 |
| Equity capital to assets | 9.4035% | 2,356 |
| Core capital (leverage) ratio | 8.7801% | 3,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0221% | 2,601 |
| Memoranda: |
| Average total assets | $166,580,692,000 | 25 |
| Average earning assets | $154,624,320,000 | 25 |
| Average equity | $16,256,065,500 | 23 |
| Average total loans | $88,619,272,000 | 23 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4885% | 4,487 |
| Cost of funding earning assets | 0.2291% | 3,147 |
| Net interest margin | 2.2595% | 4,447 |
| Noninterest income to average assets | 0.7528% | 1,586 |
| Noninterest expense to average assets | 1.6401% | 4,375 |
| Loan and lease loss provision to assets | -0.1420% | 4,616 |
| Net operating income to assets | 1.0300% | 2,559 |
| Return on assets (ROA) | 1.0902% | 2,402 |
| Pretax return on assets | 1.4303% | 1,947 |
| Return on Equity (ROE) | 9.7535% | 2,616 |
| Retained earnings to average equity (ytd only) | -1.8591% | 4,620 |
| Net charge-offs to loans | 0.0871% | 937 |
| Credit loss provision to net charge-offs | -307.7732% | 3,619 |
| Earnings coverage of net charge-offs (x) | 26.2679% | 1,700 |
| Efficiency ratio | 56.9130% | 3,591 |
| Assets per employee ($millions) | 15.8641% | 181 |
| Cash dividends to net income (ytd only)* | 119.0608% | 121 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0072% | 3,718 |
| Loan loss allowance to noncurrent loans | 140.6538% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.3790% | 1,710 |
| Noncurrent loans to loans | 0.7161% | 1,420 |
| Net loans and leases to total assets | 52.1911% | 3,040 |
| Net loans and leases to deposits | 63.1110% | 2,774 |
| Net loans and leases to core deposits | 64.6142% | 2,934 |
| Total domestic deposits to total assets | 82.6974% | 3,858 |
| Equity capital to assets | 10.1135% | 2,543 |
| Core capital (leverage) ratio | 8.4599% | 3,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0485% | 2,612 |
| Memoranda: |
| Average total assets | $161,148,465,200 | 23 |
| Average earning assets | $149,731,168,600 | 23 |
| Average equity | $18,013,185,600 | 19 |
| Average total loans | $85,353,981,200 | 23 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5101% | 4,562 |
| Cost of funding earning assets | 0.2320% | 3,304 |
| Net interest margin | 2.2782% | 4,505 |
| Noninterest income to average assets | 0.7389% | 1,701 |
| Noninterest expense to average assets | 1.6027% | 4,463 |
| Loan and lease loss provision to assets | -0.2244% | 4,769 |
| Net operating income to assets | 1.1118% | 2,507 |
| Return on assets (ROA) | 1.1772% | 2,299 |
| Pretax return on assets | 1.5596% | 1,826 |
| Return on Equity (ROE) | 10.2763% | 2,633 |
| Retained earnings to average equity (ytd only) | 6.7913% | 2,496 |
| Net charge-offs to loans | 0.1223% | 645 |
| Credit loss provision to net charge-offs | -346.0186% | 3,536 |
| Earnings coverage of net charge-offs (x) | 19.3078% | 1,762 |
| Efficiency ratio | 55.4594% | 3,595 |
| Assets per employee ($millions) | 16.0312% | 167 |
| Cash dividends to net income (ytd only)* | 33.9128% | 1,905 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0193% | 3,778 |
| Loan loss allowance to noncurrent loans | 121.7390% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.4183% | 1,790 |
| Noncurrent loans to loans | 0.8373% | 1,366 |
| Net loans and leases to total assets | 49.1703% | 3,507 |
| Net loans and leases to deposits | 58.7384% | 3,343 |
| Net loans and leases to core deposits | 60.5785% | 3,436 |
| Total domestic deposits to total assets | 83.7107% | 3,536 |
| Equity capital to assets | 11.1229% | 1,933 |
| Core capital (leverage) ratio | 9.5577% | 2,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8434% | 2,027 |
| Memoranda: |
| Average total assets | $159,772,401,750 | 21 |
| Average earning assets | $148,404,701,500 | 22 |
| Average equity | $18,302,868,000 | 18 |
| Average total loans | $84,726,752,500 | 23 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5698% | 4,570 |
| Cost of funding earning assets | 0.2512% | 3,273 |
| Net interest margin | 2.3187% | 4,500 |
| Noninterest income to average assets | 0.7281% | 1,725 |
| Noninterest expense to average assets | 1.5955% | 4,516 |
| Loan and lease loss provision to assets | -0.2457% | 4,804 |
| Net operating income to assets | 1.1480% | 2,376 |
| Return on assets (ROA) | 1.2141% | 2,211 |
| Pretax return on assets | 1.6124% | 1,702 |
| Return on Equity (ROE) | 10.4914% | 2,589 |
| Retained earnings to average equity (ytd only) | 8.1682% | 2,014 |
| Net charge-offs to loans | 0.1410% | 568 |
| Credit loss provision to net charge-offs | -321.3742% | 3,337 |
| Earnings coverage of net charge-offs (x) | 16.7829% | 1,591 |
| Efficiency ratio | 54.7467% | 3,709 |
| Assets per employee ($millions) | 15.4329% | 188 |
| Cash dividends to net income (ytd only)* | 22.1440% | 2,415 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1230% | 3,318 |
| Loan loss allowance to noncurrent loans | 115.0717% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.5103% | 1,635 |
| Noncurrent loans to loans | 0.9759% | 1,265 |
| Net loans and leases to total assets | 51.4682% | 3,400 |
| Net loans and leases to deposits | 61.2562% | 3,277 |
| Net loans and leases to core deposits | 63.3748% | 3,344 |
| Total domestic deposits to total assets | 84.0212% | 3,433 |
| Equity capital to assets | 11.5544% | 1,597 |
| Core capital (leverage) ratio | 9.4832% | 2,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8413% | 2,031 |
| Memoranda: |
| Average total assets | $157,631,343,000 | 21 |
| Average earning assets | $146,201,346,000 | 21 |
| Average equity | $18,241,908,000 | 19 |
| Average total loans | $85,448,886,333 | 23 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6034% | 4,568 |
| Cost of funding earning assets | 0.2761% | 3,215 |
| Net interest margin | 2.3273% | 4,491 |
| Noninterest income to average assets | 0.7246% | 1,790 |
| Noninterest expense to average assets | 1.5847% | 4,561 |
| Loan and lease loss provision to assets | -0.1244% | 4,749 |
| Net operating income to assets | 1.0722% | 2,566 |
| Return on assets (ROA) | 1.0831% | 2,609 |
| Pretax return on assets | 1.4349% | 2,185 |
| Return on Equity (ROE) | 9.3519% | 2,906 |
| Retained earnings to average equity (ytd only) | 9.3519% | 1,840 |
| Net charge-offs to loans | 0.0601% | 924 |
| Credit loss provision to net charge-offs | -374.4787% | 3,098 |
| Earnings coverage of net charge-offs (x) | 39.0415% | 984 |
| Efficiency ratio | 54.3126% | 3,750 |
| Assets per employee ($millions) | 15.2557% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3134% | 2,379 |
| Loan loss allowance to noncurrent loans | 111.0297% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 0.6411% | 1,481 |
| Noncurrent loans to loans | 1.1829% | 1,122 |
| Net loans and leases to total assets | 53.1675% | 3,324 |
| Net loans and leases to deposits | 63.1600% | 3,203 |
| Net loans and leases to core deposits | 66.2042% | 3,224 |
| Total domestic deposits to total assets | 84.1791% | 3,378 |
| Equity capital to assets | 11.3943% | 1,607 |
| Core capital (leverage) ratio | 9.5496% | 2,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7645% | 1,979 |
| Memoranda: |
| Average total assets | $156,527,692,000 | 21 |
| Average earning assets | $145,062,494,000 | 21 |
| Average equity | $18,128,629,000 | 19 |
| Average total loans | $86,573,117,000 | 21 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9750% | 4,650 |
| Cost of funding earning assets | 0.5436% | 2,650 |
| Net interest margin | 2.4314% | 4,638 |
| Noninterest income to average assets | 0.7011% | 1,864 |
| Noninterest expense to average assets | 1.7670% | 4,523 |
| Loan and lease loss provision to assets | 0.3922% | 812 |
| Net operating income to assets | 0.6002% | 3,757 |
| Return on assets (ROA) | 0.6248% | 3,790 |
| Pretax return on assets | 0.8075% | 3,615 |
| Return on Equity (ROE) | 5.2799% | 3,822 |
| Retained earnings to average equity (ytd only) | 4.6290% | 2,462 |
| Net charge-offs to loans | 0.2553% | 679 |
| Credit loss provision to net charge-offs | 257.1597% | 1,900 |
| Earnings coverage of net charge-offs (x) | 7.6630% | 2,674 |
| Efficiency ratio | 59.1973% | 3,569 |
| Assets per employee ($millions) | 14.8199% | 187 |
| Cash dividends to net income (ytd only)* | 12.3277% | 3,500 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3599% | 2,151 |
| Loan loss allowance to noncurrent loans | 103.5861% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.7537% | 1,366 |
| Noncurrent loans to loans | 1.3128% | 1,039 |
| Net loans and leases to total assets | 55.8694% | 3,317 |
| Net loans and leases to deposits | 66.8444% | 3,201 |
| Net loans and leases to core deposits | 70.7557% | 3,202 |
| Total domestic deposits to total assets | 83.5812% | 3,241 |
| Equity capital to assets | 11.7441% | 1,707 |
| Core capital (leverage) ratio | 9.4327% | 3,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1521% | 2,185 |
| Memoranda: |
| Average total assets | $148,401,478,000 | 21 |
| Average earning assets | $136,386,354,400 | 21 |
| Average equity | $17,560,630,600 | 18 |
| Average total loans | $88,657,416,200 | 20 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0549% | 4,698 |
| Cost of funding earning assets | 0.6182% | 2,502 |
| Net interest margin | 2.4367% | 4,701 |
| Noninterest income to average assets | 0.7013% | 1,799 |
| Noninterest expense to average assets | 1.8025% | 4,495 |
| Loan and lease loss provision to assets | 0.5172% | 557 |
| Net operating income to assets | 0.4842% | 4,076 |
| Return on assets (ROA) | 0.5088% | 4,099 |
| Pretax return on assets | 0.6501% | 4,008 |
| Return on Equity (ROE) | 4.2911% | 4,100 |
| Retained earnings to average equity (ytd only) | 3.4163% | 3,349 |
| Net charge-offs to loans | 0.2585% | 595 |
| Credit loss provision to net charge-offs | 330.4727% | 1,668 |
| Earnings coverage of net charge-offs (x) | 7.2596% | 2,590 |
| Efficiency ratio | 60.2801% | 3,351 |
| Assets per employee ($millions) | 14.2525% | 192 |
| Cash dividends to net income (ytd only)* | 20.3853% | 2,758 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4242% | 1,635 |
| Loan loss allowance to noncurrent loans | 93.6691% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.8772% | 1,318 |
| Noncurrent loans to loans | 1.5205% | 938 |
| Net loans and leases to total assets | 56.1832% | 3,603 |
| Net loans and leases to deposits | 67.5614% | 3,506 |
| Net loans and leases to core deposits | 73.2058% | 3,383 |
| Total domestic deposits to total assets | 83.1587% | 3,102 |
| Equity capital to assets | 11.7938% | 1,811 |
| Core capital (leverage) ratio | 9.2676% | 3,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1779% | 2,118 |
| Memoranda: |
| Average total assets | $146,936,750,250 | 21 |
| Average earning assets | $134,917,065,500 | 21 |
| Average equity | $17,421,649,500 | 18 |
| Average total loans | $88,978,637,750 | 20 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1772% | 4,732 |
| Cost of funding earning assets | 0.7217% | 2,280 |
| Net interest margin | 2.4555% | 4,758 |
| Noninterest income to average assets | 0.7100% | 1,703 |
| Noninterest expense to average assets | 1.8475% | 4,489 |
| Loan and lease loss provision to assets | 0.5365% | 632 |
| Net operating income to assets | 0.4531% | 4,126 |
| Return on assets (ROA) | 0.4785% | 4,134 |
| Pretax return on assets | 0.6092% | 4,041 |
| Return on Equity (ROE) | 4.0281% | 4,096 |
| Retained earnings to average equity (ytd only) | 2.7045% | 3,500 |
| Net charge-offs to loans | 0.2867% | 554 |
| Credit loss provision to net charge-offs | 302.8073% | 1,609 |
| Earnings coverage of net charge-offs (x) | 6.2852% | 2,453 |
| Efficiency ratio | 61.3297% | 3,231 |
| Assets per employee ($millions) | 14.2064% | 193 |
| Cash dividends to net income (ytd only)* | 32.8580% | 2,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2260% | 2,376 |
| Loan loss allowance to noncurrent loans | 71.6738% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.0073% | 1,191 |
| Noncurrent loans to loans | 1.7106% | 845 |
| Net loans and leases to total assets | 57.4216% | 3,562 |
| Net loans and leases to deposits | 68.4042% | 3,532 |
| Net loans and leases to core deposits | 77.1884% | 3,177 |
| Total domestic deposits to total assets | 83.9445% | 2,760 |
| Equity capital to assets | 11.5311% | 1,950 |
| Core capital (leverage) ratio | 9.1482% | 3,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5938% | 2,364 |
| Memoranda: |
| Average total assets | $145,404,704,667 | 21 |
| Average earning assets | $133,294,851,333 | 21 |
| Average equity | $17,271,695,333 | 18 |
| Average total loans | $89,849,516,333 | 20 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4395% | 4,700 |
| Cost of funding earning assets | 0.8996% | 1,870 |
| Net interest margin | 2.5399% | 4,799 |
| Noninterest income to average assets | 0.6837% | 1,712 |
| Noninterest expense to average assets | 1.8813% | 4,564 |
| Loan and lease loss provision to assets | 0.5377% | 540 |
| Net operating income to assets | 0.4607% | 3,994 |
| Return on assets (ROA) | 0.4696% | 4,026 |
| Pretax return on assets | 0.5974% | 3,923 |
| Return on Equity (ROE) | 3.8918% | 3,979 |
| Retained earnings to average equity (ytd only) | 1.2118% | 3,692 |
| Net charge-offs to loans | 0.3962% | 366 |
| Credit loss provision to net charge-offs | 212.7925% | 1,384 |
| Earnings coverage of net charge-offs (x) | 4.4470% | 2,138 |
| Efficiency ratio | 61.5188% | 3,554 |
| Assets per employee ($millions) | 12.9638% | 191 |
| Cash dividends to net income (ytd only)* | 68.8621% | 1,225 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0076% | 3,668 |
| Loan loss allowance to noncurrent loans | 91.8237% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.7150% | 1,875 |
| Noncurrent loans to loans | 1.0974% | 1,515 |
| Net loans and leases to total assets | 63.1589% | 3,170 |
| Net loans and leases to deposits | 78.3486% | 2,848 |
| Net loans and leases to core deposits | 88.1172% | 2,512 |
| Total domestic deposits to total assets | 80.6128% | 3,741 |
| Equity capital to assets | 12.0239% | 2,049 |
| Core capital (leverage) ratio | 9.9377% | 3,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3683% | 2,984 |
| Memoranda: |
| Average total assets | $141,378,479,000 | 21 |
| Average earning assets | $129,219,171,500 | 21 |
| Average equity | $17,059,910,000 | 18 |
| Average total loans | $90,168,610,500 | 20 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9994% | 4,259 |
| Cost of funding earning assets | 1.1573% | 1,135 |
| Net interest margin | 2.8421% | 4,718 |
| Noninterest income to average assets | 0.8456% | 1,315 |
| Noninterest expense to average assets | 2.1081% | 4,348 |
| Loan and lease loss provision to assets | 0.1527% | 1,383 |
| Net operating income to assets | 0.8900% | 3,250 |
| Return on assets (ROA) | 0.9269% | 3,178 |
| Pretax return on assets | 1.2063% | 2,823 |
| Return on Equity (ROE) | 7.3334% | 3,428 |
| Retained earnings to average equity (ytd only) | 0.3083% | 4,604 |
| Net charge-offs to loans | 0.0963% | 1,762 |
| Credit loss provision to net charge-offs | 242.9589% | 1,115 |
| Earnings coverage of net charge-offs (x) | 20.8783% | 1,912 |
| Efficiency ratio | 60.5159% | 3,620 |
| Assets per employee ($millions) | 12.2008% | 209 |
| Cash dividends to net income (ytd only)* | 95.7957% | 395 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9491% | 3,747 |
| Loan loss allowance to noncurrent loans | 84.2442% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 0.7345% | 1,767 |
| Noncurrent loans to loans | 1.1266% | 1,344 |
| Net loans and leases to total assets | 63.1481% | 3,301 |
| Net loans and leases to deposits | 78.2399% | 2,980 |
| Net loans and leases to core deposits | 88.9102% | 2,523 |
| Total domestic deposits to total assets | 80.7109% | 3,833 |
| Equity capital to assets | 12.1122% | 2,067 |
| Core capital (leverage) ratio | 9.8663% | 3,654 |
| Tier 1 risk-based capital ratio | 11.3392% | 4,713 |
| Total risk-based capital ratio | 12.4880% | 4,653 |
| Memoranda: |
| Average total assets | $130,410,024,600 | 21 |
| Average earning assets | $118,144,721,800 | 21 |
| Average equity | $16,482,355,400 | 18 |
| Average total loans | $85,126,414,400 | 19 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0524% | 4,248 |
| Cost of funding earning assets | 1.1719% | 1,107 |
| Net interest margin | 2.8805% | 4,776 |
| Noninterest income to average assets | 0.8482% | 1,282 |
| Noninterest expense to average assets | 2.0664% | 4,421 |
| Loan and lease loss provision to assets | 0.0960% | 1,992 |
| Net operating income to assets | 0.9827% | 3,039 |
| Return on assets (ROA) | 1.0160% | 2,998 |
| Pretax return on assets | 1.3333% | 2,556 |
| Return on Equity (ROE) | 7.9503% | 3,332 |
| Retained earnings to average equity (ytd only) | -0.0349% | 4,761 |
| Net charge-offs to loans | 0.0835% | 1,640 |
| Credit loss provision to net charge-offs | 174.9688% | 1,461 |
| Earnings coverage of net charge-offs (x) | 25.2920% | 1,770 |
| Efficiency ratio | 58.7017% | 3,837 |
| Assets per employee ($millions) | 12.1282% | 209 |
| Cash dividends to net income (ytd only)* | 100.4385% | 313 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8573% | 4,206 |
| Loan loss allowance to noncurrent loans | 83.1924% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 0.6705% | 2,015 |
| Noncurrent loans to loans | 1.0305% | 1,559 |
| Net loans and leases to total assets | 62.8845% | 3,399 |
| Net loans and leases to deposits | 82.8622% | 2,584 |
| Net loans and leases to core deposits | 94.2362% | 2,160 |
| Total domestic deposits to total assets | 75.8904% | 4,661 |
| Equity capital to assets | 12.0537% | 2,216 |
| Core capital (leverage) ratio | 10.3158% | 3,296 |
| Tier 1 risk-based capital ratio | 11.2838% | 4,766 |
| Total risk-based capital ratio | 12.3753% | 4,741 |
| Memoranda: |
| Average total assets | $128,615,507,500 | 22 |
| Average earning assets | $116,322,773,500 | 23 |
| Average equity | $16,436,712,750 | 19 |
| Average total loans | $84,478,812,750 | 20 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1249% | 4,100 |
| Cost of funding earning assets | 1.1697% | 1,078 |
| Net interest margin | 2.9553% | 4,750 |
| Noninterest income to average assets | 0.8302% | 1,253 |
| Noninterest expense to average assets | 2.1159% | 4,387 |
| Loan and lease loss provision to assets | 0.1063% | 1,761 |
| Net operating income to assets | 0.9721% | 3,018 |
| Return on assets (ROA) | 1.0110% | 2,951 |
| Pretax return on assets | 1.3257% | 2,457 |
| Return on Equity (ROE) | 7.7484% | 3,404 |
| Retained earnings to average equity (ytd only) | -1.1896% | 4,844 |
| Net charge-offs to loans | 0.0149% | 2,608 |
| Credit loss provision to net charge-offs | 1,074.2248% | 322 |
| Earnings coverage of net charge-offs (x) | 139.7849% | 523 |
| Efficiency ratio | 59.3306% | 3,824 |
| Assets per employee ($millions) | 11.3107% | 251 |
| Cash dividends to net income (ytd only)* | 115.3524% | 273 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8973% | 4,103 |
| Loan loss allowance to noncurrent loans | 81.4360% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 0.7504% | 1,857 |
| Noncurrent loans to loans | 1.1018% | 1,489 |
| Net loans and leases to total assets | 66.1155% | 3,089 |
| Net loans and leases to deposits | 84.8088% | 2,393 |
| Net loans and leases to core deposits | 97.1270% | 1,967 |
| Total domestic deposits to total assets | 77.9583% | 4,407 |
| Equity capital to assets | 12.7820% | 1,696 |
| Core capital (leverage) ratio | 10.5703% | 3,013 |
| Tier 1 risk-based capital ratio | 11.3881% | 4,741 |
| Total risk-based capital ratio | 12.5297% | 4,689 |
| Memoranda: |
| Average total assets | $125,206,033,670 | 24 |
| Average earning assets | $113,049,389,000 | 24 |
| Average equity | $16,337,011,330 | 19 |
| Average total loans | $83,282,984,670 | 21 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0890% | 4,157 |
| Cost of funding earning assets | 1.1248% | 1,109 |
| Net interest margin | 2.9641% | 4,799 |
| Noninterest income to average assets | 0.7965% | 1,301 |
| Noninterest expense to average assets | 2.1846% | 4,296 |
| Loan and lease loss provision to assets | -0.0099% | 5,208 |
| Net operating income to assets | 0.9932% | 2,873 |
| Return on assets (ROA) | 1.0244% | 2,800 |
| Pretax return on assets | 1.3368% | 2,302 |
| Return on Equity (ROE) | 7.7673% | 3,352 |
| Retained earnings to average equity (ytd only) | -4.0199% | 4,867 |
| Net charge-offs to loans | -0.0770% | 4,960 |
| Credit loss provision to net charge-offs | 19.3854% | 2,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7405% | 3,575 |
| Assets per employee ($millions) | 10.5990% | 288 |
| Cash dividends to net income (ytd only)* | 151.7547% | 320 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8822% | 4,236 |
| Loan loss allowance to noncurrent loans | 79.0616% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 0.7657% | 1,838 |
| Noncurrent loans to loans | 1.1158% | 1,499 |
| Net loans and leases to total assets | 66.5598% | 2,969 |
| Net loans and leases to deposits | 85.1466% | 2,235 |
| Net loans and leases to core deposits | 98.2646% | 1,754 |
| Total domestic deposits to total assets | 78.1708% | 4,491 |
| Equity capital to assets | 13.2345% | 1,329 |
| Core capital (leverage) ratio | 10.8376% | 2,728 |
| Tier 1 risk-based capital ratio | 11.7077% | 4,618 |
| Total risk-based capital ratio | 12.8562% | 4,567 |
| Memoranda: |
| Average total assets | $123,021,442,000 | 25 |
| Average earning assets | $111,043,349,500 | 25 |
| Average equity | $16,224,378,500 | 20 |
| Average total loans | $81,702,021,500 | 22 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8185% | 4,446 |
| Cost of funding earning assets | 0.8328% | 1,371 |
| Net interest margin | 2.9857% | 4,815 |
| Noninterest income to average assets | 0.9194% | 1,130 |
| Noninterest expense to average assets | 2.3586% | 3,974 |
| Loan and lease loss provision to assets | 0.1208% | 1,824 |
| Net operating income to assets | 0.8871% | 3,472 |
| Return on assets (ROA) | 0.9113% | 3,388 |
| Pretax return on assets | 1.1460% | 3,115 |
| Return on Equity (ROE) | 6.6982% | 3,938 |
| Retained earnings to average equity (ytd only) | 4.3820% | 3,136 |
| Net charge-offs to loans | 0.0984% | 1,781 |
| Credit loss provision to net charge-offs | 188.6706% | 1,514 |
| Earnings coverage of net charge-offs (x) | 19.3155% | 2,071 |
| Efficiency ratio | 64.3032% | 3,141 |
| Assets per employee ($millions) | 10.7374% | 282 |
| Cash dividends to net income (ytd only)* | 34.5806% | 2,813 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8845% | 4,232 |
| Loan loss allowance to noncurrent loans | 81.1544% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 0.7345% | 1,890 |
| Noncurrent loans to loans | 1.0899% | 1,497 |
| Net loans and leases to total assets | 65.0941% | 3,243 |
| Net loans and leases to deposits | 82.6217% | 2,663 |
| Net loans and leases to core deposits | 93.7105% | 2,250 |
| Total domestic deposits to total assets | 78.7857% | 4,353 |
| Equity capital to assets | 13.1421% | 1,280 |
| Core capital (leverage) ratio | 10.8652% | 2,662 |
| Tier 1 risk-based capital ratio | 11.9600% | 4,449 |
| Total risk-based capital ratio | 13.1080% | 4,406 |
| Memoranda: |
| Average total assets | $115,345,053,800 | 27 |
| Average earning assets | $103,371,686,000 | 28 |
| Average equity | $15,693,149,400 | 22 |
| Average total loans | $75,060,159,000 | 22 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7259% | 4,603 |
| Cost of funding earning assets | 0.7411% | 1,617 |
| Net interest margin | 2.9848% | 4,871 |
| Noninterest income to average assets | 0.9257% | 1,120 |
| Noninterest expense to average assets | 2.4003% | 3,854 |
| Loan and lease loss provision to assets | 0.1186% | 1,711 |
| Net operating income to assets | 0.8337% | 3,806 |
| Return on assets (ROA) | 0.8592% | 3,703 |
| Pretax return on assets | 1.1097% | 3,359 |
| Return on Equity (ROE) | 6.2576% | 4,186 |
| Retained earnings to average equity (ytd only) | 4.0766% | 3,736 |
| Net charge-offs to loans | 0.1155% | 1,351 |
| Credit loss provision to net charge-offs | 158.0954% | 1,639 |
| Earnings coverage of net charge-offs (x) | 15.9459% | 2,193 |
| Efficiency ratio | 65.4060% | 2,971 |
| Assets per employee ($millions) | 10.2419% | 303 |
| Cash dividends to net income (ytd only)* | 34.8535% | 2,330 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8988% | 4,263 |
| Loan loss allowance to noncurrent loans | 79.8581% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 0.7430% | 1,999 |
| Noncurrent loans to loans | 1.1254% | 1,512 |
| Net loans and leases to total assets | 63.6058% | 3,474 |
| Net loans and leases to deposits | 85.0737% | 2,464 |
| Net loans and leases to core deposits | 95.9240% | 2,120 |
| Total domestic deposits to total assets | 74.7655% | 4,912 |
| Equity capital to assets | 13.2114% | 1,251 |
| Core capital (leverage) ratio | 11.2868% | 2,345 |
| Tier 1 risk-based capital ratio | 12.5007% | 4,200 |
| Total risk-based capital ratio | 13.6814% | 4,121 |
| Memoranda: |
| Average total assets | $113,394,399,750 | 28 |
| Average earning assets | $101,452,771,500 | 28 |
| Average equity | $15,570,389,250 | 22 |
| Average total loans | $73,605,895,000 | 22 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6597% | 4,665 |
| Cost of funding earning assets | 0.6678% | 1,824 |
| Net interest margin | 2.9919% | 4,888 |
| Noninterest income to average assets | 0.9477% | 1,060 |
| Noninterest expense to average assets | 2.4583% | 3,751 |
| Loan and lease loss provision to assets | 0.1221% | 1,615 |
| Net operating income to assets | 0.7957% | 3,871 |
| Return on assets (ROA) | 0.8227% | 3,786 |
| Pretax return on assets | 1.0710% | 3,431 |
| Return on Equity (ROE) | 5.9116% | 4,271 |
| Retained earnings to average equity (ytd only) | 3.8931% | 3,658 |
| Net charge-offs to loans | 0.1349% | 1,114 |
| Credit loss provision to net charge-offs | 138.8976% | 1,651 |
| Earnings coverage of net charge-offs (x) | 13.1852% | 2,159 |
| Efficiency ratio | 66.6024% | 2,876 |
| Assets per employee ($millions) | 9.7893% | 339 |
| Cash dividends to net income (ytd only)* | 34.1451% | 2,398 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8910% | 4,374 |
| Loan loss allowance to noncurrent loans | 77.8033% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 0.7815% | 1,919 |
| Noncurrent loans to loans | 1.1452% | 1,531 |
| Net loans and leases to total assets | 65.7107% | 3,189 |
| Net loans and leases to deposits | 89.0292% | 1,976 |
| Net loans and leases to core deposits | 99.3803% | 1,781 |
| Total domestic deposits to total assets | 73.8080% | 5,064 |
| Equity capital to assets | 13.7911% | 995 |
| Core capital (leverage) ratio | 11.3849% | 2,169 |
| Tier 1 risk-based capital ratio | 12.5304% | 4,165 |
| Total risk-based capital ratio | 13.7092% | 4,105 |
| Memoranda: |
| Average total assets | $111,498,354,330 | 28 |
| Average earning assets | $99,487,807,670 | 28 |
| Average equity | $15,516,347,000 | 22 |
| Average total loans | $72,664,431,330 | 22 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5067% | 4,868 |
| Cost of funding earning assets | 0.5874% | 2,129 |
| Net interest margin | 2.9193% | 4,998 |
| Noninterest income to average assets | 0.9470% | 1,031 |
| Noninterest expense to average assets | 2.4037% | 3,933 |
| Loan and lease loss provision to assets | 0.1478% | 1,231 |
| Net operating income to assets | 0.7701% | 3,829 |
| Return on assets (ROA) | 0.7709% | 3,823 |
| Pretax return on assets | 1.0016% | 3,527 |
| Return on Equity (ROE) | 5.5145% | 4,311 |
| Retained earnings to average equity (ytd only) | 3.6679% | 3,729 |
| Net charge-offs to loans | 0.1419% | 964 |
| Credit loss provision to net charge-offs | 161.2827% | 1,185 |
| Earnings coverage of net charge-offs (x) | 12.5286% | 1,797 |
| Efficiency ratio | 66.2656% | 3,115 |
| Assets per employee ($millions) | 9.7059% | 356 |
| Cash dividends to net income (ytd only)* | 33.4858% | 2,048 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9210% | 4,347 |
| Loan loss allowance to noncurrent loans | 71.1087% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 0.8605% | 1,840 |
| Noncurrent loans to loans | 1.2952% | 1,388 |
| Net loans and leases to total assets | 63.9737% | 3,312 |
| Net loans and leases to deposits | 86.2952% | 2,124 |
| Net loans and leases to core deposits | 94.0837% | 2,127 |
| Total domestic deposits to total assets | 74.1336% | 5,139 |
| Equity capital to assets | 13.8451% | 933 |
| Core capital (leverage) ratio | 11.4184% | 2,074 |
| Tier 1 risk-based capital ratio | 12.7605% | 4,080 |
| Total risk-based capital ratio | 13.9785% | 3,995 |
| Memoranda: |
| Average total assets | $110,631,145,000 | 27 |
| Average earning assets | $98,726,705,000 | 27 |
| Average equity | $15,466,509,000 | 21 |
| Average total loans | $71,459,160,000 | 21 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2768% | 5,108 |
| Cost of funding earning assets | 0.4245% | 3,004 |
| Net interest margin | 2.8522% | 5,103 |
| Noninterest income to average assets | 1.0400% | 939 |
| Noninterest expense to average assets | 2.5135% | 3,738 |
| Loan and lease loss provision to assets | 0.1622% | 1,379 |
| Net operating income to assets | 0.4120% | 4,652 |
| Return on assets (ROA) | 0.4189% | 4,654 |
| Pretax return on assets | 0.9026% | 3,919 |
| Return on Equity (ROE) | 2.8849% | 4,863 |
| Retained earnings to average equity (ytd only) | 1.0061% | 4,628 |
| Net charge-offs to loans | 0.2571% | 1,014 |
| Credit loss provision to net charge-offs | 100.7427% | 2,542 |
| Earnings coverage of net charge-offs (x) | 6.5442% | 3,167 |
| Efficiency ratio | 68.8612% | 2,732 |
| Assets per employee ($millions) | 9.4474% | 379 |
| Cash dividends to net income (ytd only)* | 65.1269% | 1,499 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9195% | 4,376 |
| Loan loss allowance to noncurrent loans | 69.8708% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 0.8752% | 1,783 |
| Noncurrent loans to loans | 1.3161% | 1,322 |
| Net loans and leases to total assets | 64.0225% | 3,363 |
| Net loans and leases to deposits | 86.2831% | 2,222 |
| Net loans and leases to core deposits | 92.4123% | 2,334 |
| Total domestic deposits to total assets | 74.2005% | 5,163 |
| Equity capital to assets | 14.1185% | 873 |
| Core capital (leverage) ratio | 11.4520% | 1,972 |
| Tier 1 risk-based capital ratio | 12.7548% | 4,056 |
| Total risk-based capital ratio | 13.9791% | 3,973 |
| Memoranda: |
| Average total assets | $106,684,601,400 | 27 |
| Average earning assets | $94,538,536,200 | 27 |
| Average equity | $15,492,372,800 | 21 |
| Average total loans | $66,827,430,200 | 23 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2234% | 5,206 |
| Cost of funding earning assets | 0.3973% | 3,224 |
| Net interest margin | 2.8261% | 5,186 |
| Noninterest income to average assets | 1.0367% | 944 |
| Noninterest expense to average assets | 2.4985% | 3,739 |
| Loan and lease loss provision to assets | 0.1397% | 1,523 |
| Net operating income to assets | 0.7063% | 3,948 |
| Return on assets (ROA) | 0.7154% | 3,960 |
| Pretax return on assets | 0.9122% | 3,995 |
| Return on Equity (ROE) | 4.8913% | 4,569 |
| Retained earnings to average equity (ytd only) | 3.0373% | 4,102 |
| Net charge-offs to loans | 0.2898% | 740 |
| Credit loss provision to net charge-offs | 77.6117% | 2,616 |
| Earnings coverage of net charge-offs (x) | 5.7785% | 3,058 |
| Efficiency ratio | 68.9562% | 2,720 |
| Assets per employee ($millions) | 8.8008% | 471 |
| Cash dividends to net income (ytd only)* | 37.9040% | 2,383 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9059% | 4,542 |
| Loan loss allowance to noncurrent loans | 65.4737% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 0.9160% | 1,864 |
| Noncurrent loans to loans | 1.3836% | 1,355 |
| Net loans and leases to total assets | 63.5108% | 3,487 |
| Net loans and leases to deposits | 88.1619% | 2,037 |
| Net loans and leases to core deposits | 94.1680% | 2,263 |
| Total domestic deposits to total assets | 72.0388% | 5,374 |
| Equity capital to assets | 14.8115% | 778 |
| Core capital (leverage) ratio | 11.8218% | 1,802 |
| Tier 1 risk-based capital ratio | 13.0284% | 3,987 |
| Total risk-based capital ratio | 14.2447% | 3,920 |
| Memoranda: |
| Average total assets | $106,012,599,750 | 27 |
| Average earning assets | $93,861,944,000 | 27 |
| Average equity | $15,505,012,750 | 21 |
| Average total loans | $65,866,045,000 | 23 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1401% | 5,312 |
| Cost of funding earning assets | 0.3720% | 3,363 |
| Net interest margin | 2.7681% | 5,292 |
| Noninterest income to average assets | 1.0490% | 926 |
| Noninterest expense to average assets | 2.4743% | 3,835 |
| Loan and lease loss provision to assets | 0.1724% | 1,121 |
| Net operating income to assets | 0.7036% | 3,836 |
| Return on assets (ROA) | 0.7175% | 3,831 |
| Pretax return on assets | 0.8684% | 4,043 |
| Return on Equity (ROE) | 4.9264% | 4,506 |
| Retained earnings to average equity (ytd only) | 3.3088% | 3,743 |
| Net charge-offs to loans | 0.3027% | 670 |
| Credit loss provision to net charge-offs | 92.6630% | 2,114 |
| Earnings coverage of net charge-offs (x) | 5.5047% | 2,817 |
| Efficiency ratio | 69.0576% | 2,840 |
| Assets per employee ($millions) | 8.6497% | 474 |
| Cash dividends to net income (ytd only)* | 32.8347% | 2,672 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9776% | 4,281 |
| Loan loss allowance to noncurrent loans | 69.9160% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 0.8933% | 1,983 |
| Noncurrent loans to loans | 1.3982% | 1,376 |
| Net loans and leases to total assets | 61.1773% | 3,726 |
| Net loans and leases to deposits | 84.5022% | 2,403 |
| Net loans and leases to core deposits | 90.1726% | 2,506 |
| Total domestic deposits to total assets | 72.3973% | 5,427 |
| Equity capital to assets | 14.7181% | 762 |
| Core capital (leverage) ratio | 11.6111% | 1,888 |
| Tier 1 risk-based capital ratio | 13.2716% | 3,823 |
| Total risk-based capital ratio | 14.5568% | 3,715 |
| Memoranda: |
| Average total assets | $105,953,415,000 | 27 |
| Average earning assets | $93,759,351,670 | 27 |
| Average equity | $15,430,580,000 | 21 |
| Average total loans | $65,135,150,000 | 23 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0593% | 5,404 |
| Cost of funding earning assets | 0.3540% | 3,482 |
| Net interest margin | 2.7053% | 5,389 |
| Noninterest income to average assets | 1.0228% | 959 |
| Noninterest expense to average assets | 2.4833% | 3,864 |
| Loan and lease loss provision to assets | 0.2726% | 529 |
| Net operating income to assets | 0.5777% | 4,251 |
| Return on assets (ROA) | 0.5783% | 4,287 |
| Pretax return on assets | 0.6623% | 4,556 |
| Return on Equity (ROE) | 3.9923% | 4,781 |
| Retained earnings to average equity (ytd only) | 2.3330% | 4,207 |
| Net charge-offs to loans | 0.3442% | 534 |
| Credit loss provision to net charge-offs | 129.1388% | 1,320 |
| Earnings coverage of net charge-offs (x) | 4.4262% | 2,387 |
| Efficiency ratio | 70.9545% | 2,748 |
| Assets per employee ($millions) | 8.6079% | 483 |
| Cash dividends to net income (ytd only)* | 41.5640% | 1,952 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0193% | 4,166 |
| Loan loss allowance to noncurrent loans | 69.3254% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 0.9385% | 1,961 |
| Noncurrent loans to loans | 1.4703% | 1,368 |
| Net loans and leases to total assets | 61.2000% | 3,634 |
| Net loans and leases to deposits | 82.2626% | 2,471 |
| Net loans and leases to core deposits | 87.9907% | 2,546 |
| Total domestic deposits to total assets | 74.3959% | 5,385 |
| Equity capital to assets | 14.6352% | 721 |
| Core capital (leverage) ratio | 11.4508% | 1,984 |
| Tier 1 risk-based capital ratio | 13.2283% | 3,926 |
| Total risk-based capital ratio | 14.5629% | 3,795 |
| Memoranda: |
| Average total assets | $105,834,110,000 | 27 |
| Average earning assets | $93,682,722,500 | 27 |
| Average equity | $15,331,135,000 | 21 |
| Average total loans | $64,899,332,500 | 23 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0799% | 5,427 |
| Cost of funding earning assets | 0.3047% | 4,017 |
| Net interest margin | 2.7752% | 5,327 |
| Noninterest income to average assets | 1.0286% | 1,068 |
| Noninterest expense to average assets | 2.5303% | 3,919 |
| Loan and lease loss provision to assets | 0.1158% | 2,136 |
| Net operating income to assets | 0.6135% | 4,151 |
| Return on assets (ROA) | 0.6119% | 4,275 |
| Pretax return on assets | 0.8312% | 4,086 |
| Return on Equity (ROE) | 4.1562% | 4,780 |
| Retained earnings to average equity (ytd only) | -1.8968% | 5,525 |
| Net charge-offs to loans | 0.2047% | 1,359 |
| Credit loss provision to net charge-offs | 91.3684% | 2,770 |
| Earnings coverage of net charge-offs (x) | 7.4902% | 3,010 |
| Efficiency ratio | 70.9168% | 2,763 |
| Assets per employee ($millions) | 8.7491% | 454 |
| Cash dividends to net income (ytd only)* | 145.6389% | 157 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0045% | 4,296 |
| Loan loss allowance to noncurrent loans | 73.8993% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 0.8584% | 2,202 |
| Noncurrent loans to loans | 1.3593% | 1,508 |
| Net loans and leases to total assets | 60.2056% | 3,825 |
| Net loans and leases to deposits | 80.1286% | 2,872 |
| Net loans and leases to core deposits | 86.0726% | 2,840 |
| Total domestic deposits to total assets | 75.1363% | 5,337 |
| Equity capital to assets | 14.3378% | 786 |
| Core capital (leverage) ratio | 11.1127% | 2,245 |
| Tier 1 risk-based capital ratio | 13.1500% | 3,972 |
| Total risk-based capital ratio | 14.4728% | 3,853 |
| Memoranda: |
| Average total assets | $105,772,782,600 | 26 |
| Average earning assets | $93,416,444,200 | 27 |
| Average equity | $15,571,989,200 | 21 |
| Average total loans | $65,483,969,200 | 22 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0552% | 5,523 |
| Cost of funding earning assets | 0.2974% | 4,128 |
| Net interest margin | 2.7579% | 5,424 |
| Noninterest income to average assets | 1.0698% | 990 |
| Noninterest expense to average assets | 2.5205% | 3,922 |
| Loan and lease loss provision to assets | 0.1153% | 2,006 |
| Net operating income to assets | 0.6152% | 4,231 |
| Return on assets (ROA) | 0.6159% | 4,345 |
| Pretax return on assets | 0.8710% | 4,074 |
| Return on Equity (ROE) | 4.1561% | 4,847 |
| Retained earnings to average equity (ytd only) | -3.3008% | 5,666 |
| Net charge-offs to loans | 0.1565% | 1,441 |
| Credit loss provision to net charge-offs | 118.4231% | 2,108 |
| Earnings coverage of net charge-offs (x) | 10.1222% | 2,612 |
| Efficiency ratio | 70.0815% | 2,872 |
| Assets per employee ($millions) | 8.8851% | 426 |
| Cash dividends to net income (ytd only)* | 179.4194% | 105 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0176% | 4,311 |
| Loan loss allowance to noncurrent loans | 76.9327% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 0.8584% | 2,410 |
| Noncurrent loans to loans | 1.3227% | 1,678 |
| Net loans and leases to total assets | 61.4904% | 3,691 |
| Net loans and leases to deposits | 78.5321% | 3,132 |
| Net loans and leases to core deposits | 89.6622% | 2,605 |
| Total domestic deposits to total assets | 78.2997% | 4,854 |
| Equity capital to assets | 14.3563% | 913 |
| Core capital (leverage) ratio | 10.9798% | 2,471 |
| Tier 1 risk-based capital ratio | 12.7717% | 4,293 |
| Total risk-based capital ratio | 14.0812% | 4,176 |
| Memoranda: |
| Average total assets | $105,673,521,000 | 25 |
| Average earning assets | $93,342,089,750 | 26 |
| Average equity | $15,659,383,000 | 21 |
| Average total loans | $65,712,765,250 | 21 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0775% | 5,569 |
| Cost of funding earning assets | 0.2888% | 4,257 |
| Net interest margin | 2.7887% | 5,440 |
| Noninterest income to average assets | 1.0466% | 1,021 |
| Noninterest expense to average assets | 2.5288% | 3,954 |
| Loan and lease loss provision to assets | 0.1257% | 1,811 |
| Net operating income to assets | 0.6089% | 4,230 |
| Return on assets (ROA) | 0.6098% | 4,353 |
| Pretax return on assets | 0.8537% | 4,104 |
| Return on Equity (ROE) | 4.0723% | 4,885 |
| Retained earnings to average equity (ytd only) | 2.7331% | 4,171 |
| Net charge-offs to loans | 0.1442% | 1,462 |
| Credit loss provision to net charge-offs | 140.0495% | 1,683 |
| Earnings coverage of net charge-offs (x) | 10.8999% | 2,296 |
| Efficiency ratio | 70.2912% | 2,934 |
| Assets per employee ($millions) | 8.6708% | 444 |
| Cash dividends to net income (ytd only)* | 32.8864% | 2,727 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0236% | 4,385 |
| Loan loss allowance to noncurrent loans | 83.9494% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 0.8248% | 2,532 |
| Noncurrent loans to loans | 1.2193% | 1,880 |
| Net loans and leases to total assets | 61.0861% | 3,740 |
| Net loans and leases to deposits | 79.7697% | 2,959 |
| Net loans and leases to core deposits | 90.7858% | 2,457 |
| Total domestic deposits to total assets | 76.5781% | 5,210 |
| Equity capital to assets | 14.8450% | 769 |
| Core capital (leverage) ratio | 11.4838% | 2,004 |
| Tier 1 risk-based capital ratio | 13.5065% | 3,900 |
| Total risk-based capital ratio | 14.4975% | 3,965 |
| Memoranda: |
| Average total assets | $105,337,050,330 | 25 |
| Average earning assets | $92,929,012,670 | 26 |
| Average equity | $15,773,951,330 | 20 |
| Average total loans | $65,525,626,330 | 21 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1065% | 5,597 |
| Cost of funding earning assets | 0.2839% | 4,344 |
| Net interest margin | 2.8226% | 5,438 |
| Noninterest income to average assets | 1.0172% | 1,038 |
| Noninterest expense to average assets | 2.5734% | 3,830 |
| Loan and lease loss provision to assets | 0.1743% | 1,169 |
| Net operating income to assets | 0.5589% | 4,374 |
| Return on assets (ROA) | 0.5592% | 4,478 |
| Pretax return on assets | 0.7561% | 4,348 |
| Return on Equity (ROE) | 3.7174% | 4,990 |
| Retained earnings to average equity (ytd only) | 2.5102% | 4,248 |
| Net charge-offs to loans | 0.1363% | 1,291 |
| Credit loss provision to net charge-offs | 204.7819% | 1,064 |
| Earnings coverage of net charge-offs (x) | 10.9256% | 1,895 |
| Efficiency ratio | 71.6116% | 2,852 |
| Assets per employee ($millions) | 8.3927% | 494 |
| Cash dividends to net income (ytd only)* | 32.4736% | 2,303 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0364% | 4,410 |
| Loan loss allowance to noncurrent loans | 81.8693% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 0.8836% | 2,477 |
| Noncurrent loans to loans | 1.2660% | 1,913 |
| Net loans and leases to total assets | 62.5070% | 3,457 |
| Net loans and leases to deposits | 79.8642% | 2,809 |
| Net loans and leases to core deposits | 90.4909% | 2,325 |
| Total domestic deposits to total assets | 78.2666% | 5,099 |
| Equity capital to assets | 15.1219% | 668 |
| Core capital (leverage) ratio | 11.6556% | 1,858 |
| Tier 1 risk-based capital ratio | 13.6332% | 3,909 |
| Total risk-based capital ratio | 14.5379% | 4,029 |
| Memoranda: |
| Average total assets | $104,259,494,500 | 25 |
| Average earning assets | $91,837,654,500 | 26 |
| Average equity | $15,682,295,500 | 20 |
| Average total loans | $65,117,527,000 | 21 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6226% | 5,957 |
| Cost of funding earning assets | 0.1813% | 5,444 |
| Net interest margin | 2.4413% | 5,869 |
| Noninterest income to average assets | 1.0287% | 1,118 |
| Noninterest expense to average assets | 2.4707% | 4,319 |
| Loan and lease loss provision to assets | 0.0288% | 3,795 |
| Net operating income to assets | 0.4982% | 4,698 |
| Return on assets (ROA) | 0.5089% | 4,745 |
| Pretax return on assets | 0.6934% | 4,546 |
| Return on Equity (ROE) | 3.3293% | 5,193 |
| Retained earnings to average equity (ytd only) | 2.8748% | 4,019 |
| Net charge-offs to loans | 0.2441% | 1,230 |
| Credit loss provision to net charge-offs | 20.9059% | 3,739 |
| Earnings coverage of net charge-offs (x) | 5.1345% | 3,433 |
| Efficiency ratio | 75.4558% | 2,361 |
| Assets per employee ($millions) | 8.5011% | 462 |
| Cash dividends to net income (ytd only)* | 13.6502% | 3,992 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0268% | 4,457 |
| Loan loss allowance to noncurrent loans | 76.7390% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 0.9162% | 2,377 |
| Noncurrent loans to loans | 1.3380% | 1,757 |
| Net loans and leases to total assets | 61.1168% | 3,675 |
| Net loans and leases to deposits | 77.5332% | 3,100 |
| Net loans and leases to core deposits | 89.0577% | 2,495 |
| Total domestic deposits to total assets | 78.8266% | 5,010 |
| Equity capital to assets | 14.9986% | 667 |
| Core capital (leverage) ratio | 11.8307% | 1,737 |
| Tier 1 risk-based capital ratio | 13.8437% | 3,807 |
| Total risk-based capital ratio | 14.8004% | 3,912 |
| Memoranda: |
| Average total assets | $100,630,267,200 | 25 |
| Average earning assets | $88,598,860,200 | 25 |
| Average equity | $15,381,199,800 | 20 |
| Average total loans | $56,813,029,000 | 23 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5367% | 6,075 |
| Cost of funding earning assets | 0.1706% | 5,624 |
| Net interest margin | 2.3661% | 5,993 |
| Noninterest income to average assets | 0.9995% | 1,184 |
| Noninterest expense to average assets | 2.4601% | 4,316 |
| Loan and lease loss provision to assets | 0.0559% | 3,076 |
| Net operating income to assets | 0.4180% | 5,096 |
| Return on assets (ROA) | 0.4314% | 5,130 |
| Pretax return on assets | 0.5863% | 5,010 |
| Return on Equity (ROE) | 2.8086% | 5,452 |
| Retained earnings to average equity (ytd only) | 2.2004% | 4,782 |
| Net charge-offs to loans | 0.2602% | 1,014 |
| Credit loss provision to net charge-offs | 38.9957% | 3,170 |
| Earnings coverage of net charge-offs (x) | 4.3555% | 3,359 |
| Efficiency ratio | 77.3513% | 2,043 |
| Assets per employee ($millions) | 8.4967% | 443 |
| Cash dividends to net income (ytd only)* | 21.6564% | 3,177 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2587% | 3,317 |
| Loan loss allowance to noncurrent loans | 70.0348% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 1.0269% | 2,301 |
| Noncurrent loans to loans | 1.7973% | 1,320 |
| Net loans and leases to total assets | 52.2850% | 4,727 |
| Net loans and leases to deposits | 65.9972% | 4,387 |
| Net loans and leases to core deposits | 72.2308% | 4,170 |
| Total domestic deposits to total assets | 78.9557% | 4,987 |
| Equity capital to assets | 14.6740% | 817 |
| Core capital (leverage) ratio | 12.3077% | 1,509 |
| Tier 1 risk-based capital ratio | 15.6730% | 2,960 |
| Total risk-based capital ratio | 16.8040% | 2,952 |
| Memoranda: |
| Average total assets | $99,757,414,750 | 24 |
| Average earning assets | $87,893,007,250 | 24 |
| Average equity | $15,322,308,500 | 20 |
| Average total loans | $54,942,282,750 | 23 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5865% | 6,121 |
| Cost of funding earning assets | 0.1761% | 5,645 |
| Net interest margin | 2.4105% | 6,035 |
| Noninterest income to average assets | 0.9288% | 1,361 |
| Noninterest expense to average assets | 2.5334% | 4,126 |
| Loan and lease loss provision to assets | 0.1045% | 2,086 |
| Net operating income to assets | 0.3207% | 5,385 |
| Return on assets (ROA) | 0.3425% | 5,424 |
| Pretax return on assets | 0.4323% | 5,391 |
| Return on Equity (ROE) | 2.1943% | 5,638 |
| Retained earnings to average equity (ytd only) | 1.5534% | 4,924 |
| Net charge-offs to loans | 0.1920% | 1,309 |
| Credit loss provision to net charge-offs | 97.4320% | 2,107 |
| Earnings coverage of net charge-offs (x) | 4.7496% | 2,999 |
| Efficiency ratio | 80.7461% | 1,653 |
| Assets per employee ($millions) | 7.8940% | 555 |
| Cash dividends to net income (ytd only)* | 29.2069% | 2,836 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4049% | 2,731 |
| Loan loss allowance to noncurrent loans | 75.6565% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 1.1082% | 2,289 |
| Noncurrent loans to loans | 1.8569% | 1,362 |
| Net loans and leases to total assets | 54.5051% | 4,504 |
| Net loans and leases to deposits | 69.4035% | 3,993 |
| Net loans and leases to core deposits | 75.6271% | 3,806 |
| Total domestic deposits to total assets | 78.2699% | 5,218 |
| Equity capital to assets | 15.4674% | 613 |
| Core capital (leverage) ratio | 12.5162% | 1,371 |
| Tier 1 risk-based capital ratio | 15.7781% | 2,966 |
| Total risk-based capital ratio | 17.0227% | 2,922 |
| Memoranda: |
| Average total assets | $97,779,698,670 | 24 |
| Average earning assets | $85,743,874,330 | 24 |
| Average equity | $15,260,084,330 | 20 |
| Average total loans | $54,601,468,330 | 23 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6367% | 6,165 |
| Cost of funding earning assets | 0.1791% | 5,685 |
| Net interest margin | 2.4576% | 6,060 |
| Noninterest income to average assets | 0.8831% | 1,442 |
| Noninterest expense to average assets | 2.5789% | 4,004 |
| Loan and lease loss provision to assets | 0.0361% | 3,177 |
| Net operating income to assets | 0.3335% | 5,302 |
| Return on assets (ROA) | 0.3451% | 5,380 |
| Pretax return on assets | 0.4333% | 5,354 |
| Return on Equity (ROE) | 2.2014% | 5,637 |
| Retained earnings to average equity (ytd only) | 1.4690% | 4,897 |
| Net charge-offs to loans | 0.1747% | 1,227 |
| Credit loss provision to net charge-offs | 36.7913% | 2,208 |
| Earnings coverage of net charge-offs (x) | 4.6378% | 2,465 |
| Efficiency ratio | 82.4526% | 1,569 |
| Assets per employee ($millions) | 7.7118% | 612 |
| Cash dividends to net income (ytd only)* | 33.2701% | 2,245 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3818% | 3,012 |
| Loan loss allowance to noncurrent loans | 70.8969% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 1.1987% | 2,237 |
| Noncurrent loans to loans | 1.9490% | 1,366 |
| Net loans and leases to total assets | 55.5968% | 4,248 |
| Net loans and leases to deposits | 70.9888% | 3,643 |
| Net loans and leases to core deposits | 76.3332% | 3,560 |
| Total domestic deposits to total assets | 78.1040% | 5,425 |
| Equity capital to assets | 15.7795% | 574 |
| Core capital (leverage) ratio | 12.4694% | 1,374 |
| Tier 1 risk-based capital ratio | 15.7611% | 3,031 |
| Total risk-based capital ratio | 17.0519% | 2,952 |
| Memoranda: |
| Average total assets | $97,193,683,500 | 24 |
| Average earning assets | $85,053,845,000 | 25 |
| Average equity | $15,237,509,500 | 20 |
| Average total loans | $54,551,111,500 | 23 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0229% | 6,040 |
| Cost of funding earning assets | 0.1865% | 5,862 |
| Net interest margin | 2.8364% | 5,756 |
| Noninterest income to average assets | 1.0023% | 1,212 |
| Noninterest expense to average assets | 2.6559% | 4,021 |
| Loan and lease loss provision to assets | 0.2173% | 1,138 |
| Net operating income to assets | 0.4505% | 5,015 |
| Return on assets (ROA) | 0.4579% | 5,074 |
| Pretax return on assets | 0.5940% | 4,963 |
| Return on Equity (ROE) | 2.8982% | 5,513 |
| Retained earnings to average equity (ytd only) | 2.8982% | 4,179 |
| Net charge-offs to loans | 0.3537% | 1,237 |
| Credit loss provision to net charge-offs | 108.0337% | 2,211 |
| Earnings coverage of net charge-offs (x) | 3.9860% | 3,767 |
| Efficiency ratio | 74.2007% | 2,803 |
| Assets per employee ($millions) | 7.7073% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4131% | 2,894 |
| Loan loss allowance to noncurrent loans | 73.9044% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 1.1673% | 2,431 |
| Noncurrent loans to loans | 1.9120% | 1,473 |
| Net loans and leases to total assets | 55.0885% | 4,440 |
| Net loans and leases to deposits | 70.0292% | 3,904 |
| Net loans and leases to core deposits | 75.3162% | 3,788 |
| Total domestic deposits to total assets | 78.4621% | 5,356 |
| Equity capital to assets | 15.5761% | 591 |
| Core capital (leverage) ratio | 11.7142% | 1,814 |
| Tier 1 risk-based capital ratio | 15.3621% | 3,286 |
| Total risk-based capital ratio | 16.7652% | 3,156 |
| Memoranda: |
| Average total assets | $94,926,872,800 | 24 |
| Average earning assets | $82,171,806,400 | 24 |
| Average equity | $14,998,178,800 | 20 |
| Average total loans | $53,969,835,400 | 23 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0283% | 6,109 |
| Cost of funding earning assets | 0.1861% | 5,955 |
| Net interest margin | 2.8422% | 5,797 |
| Noninterest income to average assets | 1.0294% | 1,162 |
| Noninterest expense to average assets | 2.6066% | 4,178 |
| Loan and lease loss provision to assets | 0.2902% | 688 |
| Net operating income to assets | 0.4484% | 5,077 |
| Return on assets (ROA) | 0.4567% | 5,129 |
| Pretax return on assets | 0.5987% | 5,031 |
| Return on Equity (ROE) | 2.8801% | 5,582 |
| Retained earnings to average equity (ytd only) | 2.8801% | 4,551 |
| Net charge-offs to loans | 0.3856% | 1,034 |
| Credit loss provision to net charge-offs | 131.8020% | 1,757 |
| Earnings coverage of net charge-offs (x) | 3.9871% | 3,552 |
| Efficiency ratio | 72.1482% | 3,150 |
| Assets per employee ($millions) | 7.7672% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4651% | 2,879 |
| Loan loss allowance to noncurrent loans | 72.1330% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 1.2430% | 2,473 |
| Noncurrent loans to loans | 2.0311% | 1,554 |
| Net loans and leases to total assets | 54.8918% | 4,474 |
| Net loans and leases to deposits | 69.1034% | 4,015 |
| Net loans and leases to core deposits | 74.8724% | 3,859 |
| Total domestic deposits to total assets | 79.2263% | 5,276 |
| Equity capital to assets | 15.3406% | 665 |
| Core capital (leverage) ratio | 11.6984% | 1,911 |
| Tier 1 risk-based capital ratio | 15.1608% | 3,500 |
| Total risk-based capital ratio | 16.5664% | 3,353 |
| Memoranda: |
| Average total assets | $94,284,364,750 | 25 |
| Average earning assets | $81,445,445,000 | 25 |
| Average equity | $14,951,173,250 | 21 |
| Average total loans | $53,842,429,000 | 23 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1717% | 5,985 |
| Cost of funding earning assets | 0.1869% | 6,023 |
| Net interest margin | 2.9848% | 5,569 |
| Noninterest income to average assets | 1.0910% | 1,002 |
| Noninterest expense to average assets | 2.5689% | 4,353 |
| Loan and lease loss provision to assets | 0.3250% | 576 |
| Net operating income to assets | 0.5610% | 4,541 |
| Return on assets (ROA) | 0.5668% | 4,617 |
| Pretax return on assets | 0.7729% | 4,374 |
| Return on Equity (ROE) | 3.5336% | 5,337 |
| Retained earnings to average equity (ytd only) | 3.5336% | 3,952 |
| Net charge-offs to loans | 0.4845% | 827 |
| Credit loss provision to net charge-offs | 116.4536% | 1,748 |
| Earnings coverage of net charge-offs (x) | 3.9051% | 3,202 |
| Efficiency ratio | 67.6438% | 4,077 |
| Assets per employee ($millions) | 7.3844% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4170% | 3,260 |
| Loan loss allowance to noncurrent loans | 71.2414% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 1.2922% | 2,531 |
| Noncurrent loans to loans | 1.9890% | 1,693 |
| Net loans and leases to total assets | 57.8602% | 4,011 |
| Net loans and leases to deposits | 73.8181% | 3,343 |
| Net loans and leases to core deposits | 80.0741% | 3,204 |
| Total domestic deposits to total assets | 77.9734% | 5,635 |
| Equity capital to assets | 16.1655% | 521 |
| Core capital (leverage) ratio | 11.8432% | 1,757 |
| Tier 1 risk-based capital ratio | 14.9802% | 3,653 |
| Total risk-based capital ratio | 16.3857% | 3,510 |
| Memoranda: |
| Average total assets | $92,885,627,000 | 25 |
| Average earning assets | $79,908,838,330 | 25 |
| Average equity | $14,899,050,330 | 21 |
| Average total loans | $53,502,736,000 | 23 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1559% | 6,056 |
| Cost of funding earning assets | 0.1856% | 6,112 |
| Net interest margin | 2.9703% | 5,595 |
| Noninterest income to average assets | 1.0300% | 1,065 |
| Noninterest expense to average assets | 2.4874% | 4,662 |
| Loan and lease loss provision to assets | 0.4071% | 413 |
| Net operating income to assets | 0.5105% | 4,633 |
| Return on assets (ROA) | 0.5193% | 4,663 |
| Pretax return on assets | 0.6965% | 4,497 |
| Return on Equity (ROE) | 3.2503% | 5,363 |
| Retained earnings to average equity (ytd only) | 3.2503% | 4,168 |
| Net charge-offs to loans | 0.4366% | 834 |
| Credit loss provision to net charge-offs | 163.4379% | 1,190 |
| Earnings coverage of net charge-offs (x) | 4.3835% | 2,536 |
| Efficiency ratio | 66.8624% | 4,385 |
| Assets per employee ($millions) | 7.4786% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4693% | 3,289 |
| Loan loss allowance to noncurrent loans | 59.4760% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 1.5379% | 2,301 |
| Noncurrent loans to loans | 2.4704% | 1,404 |
| Net loans and leases to total assets | 56.1181% | 4,134 |
| Net loans and leases to deposits | 71.9350% | 3,342 |
| Net loans and leases to core deposits | 75.4466% | 3,472 |
| Total domestic deposits to total assets | 77.6481% | 5,880 |
| Equity capital to assets | 15.7994% | 554 |
| Core capital (leverage) ratio | 11.7870% | 1,772 |
| Tier 1 risk-based capital ratio | 15.1629% | 3,627 |
| Total risk-based capital ratio | 16.6949% | 3,427 |
| Memoranda: |
| Average total assets | $92,754,787,000 | 25 |
| Average earning assets | $79,609,428,000 | 25 |
| Average equity | $14,819,721,000 | 21 |
| Average total loans | $52,919,150,500 | 23 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4244% | 5,789 |
| Cost of funding earning assets | 0.2174% | 6,196 |
| Net interest margin | 3.2070% | 4,976 |
| Noninterest income to average assets | 1.0909% | 1,182 |
| Noninterest expense to average assets | 2.7871% | 3,773 |
| Loan and lease loss provision to assets | 0.3389% | 940 |
| Net operating income to assets | 0.5168% | 4,666 |
| Return on assets (ROA) | 0.5191% | 4,784 |
| Pretax return on assets | 0.7211% | 4,458 |
| Return on Equity (ROE) | 3.3542% | 5,379 |
| Retained earnings to average equity (ytd only) | 3.3542% | 3,840 |
| Net charge-offs to loans | 0.6324% | 1,034 |
| Credit loss provision to net charge-offs | 98.0574% | 2,533 |
| Earnings coverage of net charge-offs (x) | 3.0508% | 3,975 |
| Efficiency ratio | 69.7660% | 3,874 |
| Assets per employee ($millions) | 7.2077% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4420% | 3,454 |
| Loan loss allowance to noncurrent loans | 54.1844% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 1.6434% | 2,250 |
| Noncurrent loans to loans | 2.6612% | 1,383 |
| Net loans and leases to total assets | 56.3296% | 4,268 |
| Net loans and leases to deposits | 72.7678% | 3,421 |
| Net loans and leases to core deposits | 76.5427% | 3,548 |
| Total domestic deposits to total assets | 76.9549% | 5,978 |
| Equity capital to assets | 16.1609% | 503 |
| Core capital (leverage) ratio | 11.5939% | 1,893 |
| Tier 1 risk-based capital ratio | 15.2632% | 3,506 |
| Total risk-based capital ratio | 16.8692% | 3,253 |
| Memoranda: |
| Average total assets | $93,305,096,800 | 23 |
| Average earning assets | $80,023,725,000 | 25 |
| Average equity | $14,439,489,600 | 21 |
| Average total loans | $50,988,196,000 | 24 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3660% | 5,952 |
| Cost of funding earning assets | 0.2235% | 6,277 |
| Net interest margin | 3.1425% | 5,175 |
| Noninterest income to average assets | 1.1087% | 1,194 |
| Noninterest expense to average assets | 2.8355% | 3,541 |
| Loan and lease loss provision to assets | 0.4161% | 711 |
| Net operating income to assets | 0.4037% | 5,234 |
| Return on assets (ROA) | 0.4051% | 5,362 |
| Pretax return on assets | 0.5570% | 5,181 |
| Return on Equity (ROE) | 2.6461% | 5,737 |
| Retained earnings to average equity (ytd only) | 2.6461% | 4,741 |
| Net charge-offs to loans | 0.7836% | 753 |
| Credit loss provision to net charge-offs | 98.2814% | 2,428 |
| Earnings coverage of net charge-offs (x) | 2.2862% | 4,080 |
| Efficiency ratio | 71.6940% | 3,464 |
| Assets per employee ($millions) | 7.2937% | 649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4925% | 3,491 |
| Loan loss allowance to noncurrent loans | 49.2956% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 1.8301% | 2,229 |
| Noncurrent loans to loans | 3.0278% | 1,321 |
| Net loans and leases to total assets | 54.5886% | 4,518 |
| Net loans and leases to deposits | 70.4869% | 3,715 |
| Net loans and leases to core deposits | 74.2072% | 3,818 |
| Total domestic deposits to total assets | 77.0561% | 6,039 |
| Equity capital to assets | 15.9559% | 561 |
| Core capital (leverage) ratio | 11.4575% | 2,075 |
| Tier 1 risk-based capital ratio | 15.1505% | 3,657 |
| Total risk-based capital ratio | 16.7675% | 3,422 |
| Memoranda: |
| Average total assets | $93,809,833,000 | 22 |
| Average earning assets | $80,441,525,750 | 25 |
| Average equity | $14,361,196,250 | 21 |
| Average total loans | $50,691,883,000 | 24 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3422% | 6,017 |
| Cost of funding earning assets | 0.2306% | 6,305 |
| Net interest margin | 3.1116% | 5,241 |
| Noninterest income to average assets | 1.1252% | 1,204 |
| Noninterest expense to average assets | 2.7857% | 3,719 |
| Loan and lease loss provision to assets | 0.4082% | 753 |
| Net operating income to assets | 0.4364% | 5,078 |
| Return on assets (ROA) | 0.4329% | 5,250 |
| Pretax return on assets | 0.6001% | 5,013 |
| Return on Equity (ROE) | 2.8662% | 5,676 |
| Retained earnings to average equity (ytd only) | 2.8662% | 4,490 |
| Net charge-offs to loans | 0.7905% | 793 |
| Credit loss provision to net charge-offs | 96.3304% | 2,311 |
| Earnings coverage of net charge-offs (x) | 2.3797% | 3,727 |
| Efficiency ratio | 70.5890% | 3,714 |
| Assets per employee ($millions) | 7.2061% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4747% | 3,702 |
| Loan loss allowance to noncurrent loans | 45.3753% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 2.0134% | 2,144 |
| Noncurrent loans to loans | 3.2500% | 1,351 |
| Net loans and leases to total assets | 55.5452% | 4,362 |
| Net loans and leases to deposits | 71.5898% | 3,513 |
| Net loans and leases to core deposits | 75.4782% | 3,612 |
| Total domestic deposits to total assets | 77.1466% | 6,105 |
| Equity capital to assets | 15.9217% | 536 |
| Core capital (leverage) ratio | 11.2150% | 2,163 |
| Tier 1 risk-based capital ratio | 15.0146% | 3,768 |
| Total risk-based capital ratio | 16.6361% | 3,503 |
| Memoranda: |
| Average total assets | $94,801,328,330 | 22 |
| Average earning assets | $81,312,944,000 | 24 |
| Average equity | $14,317,064,000 | 21 |
| Average total loans | $50,810,146,670 | 24 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2333% | 6,259 |
| Cost of funding earning assets | 0.2346% | 6,381 |
| Net interest margin | 2.9987% | 5,575 |
| Noninterest income to average assets | 1.0251% | 1,412 |
| Noninterest expense to average assets | 2.7998% | 3,698 |
| Loan and lease loss provision to assets | 0.5403% | 493 |
| Net operating income to assets | 0.2240% | 5,808 |
| Return on assets (ROA) | 0.2260% | 5,930 |
| Pretax return on assets | 0.2660% | 5,919 |
| Return on Equity (ROE) | 1.5355% | 6,079 |
| Retained earnings to average equity (ytd only) | 1.5355% | 5,220 |
| Net charge-offs to loans | 0.7661% | 795 |
| Credit loss provision to net charge-offs | 134.8487% | 1,471 |
| Earnings coverage of net charge-offs (x) | 1.9986% | 3,170 |
| Efficiency ratio | 74.8317% | 3,121 |
| Assets per employee ($millions) | 7.8142% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5830% | 3,471 |
| Loan loss allowance to noncurrent loans | 36.8277% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 2.4453% | 1,886 |
| Noncurrent loans to loans | 4.2983% | 1,000 |
| Net loans and leases to total assets | 49.9984% | 4,993 |
| Net loans and leases to deposits | 62.9083% | 4,432 |
| Net loans and leases to core deposits | 65.9480% | 4,538 |
| Total domestic deposits to total assets | 79.1379% | 5,937 |
| Equity capital to assets | 14.4886% | 880 |
| Core capital (leverage) ratio | 10.9327% | 2,319 |
| Tier 1 risk-based capital ratio | 15.2409% | 3,684 |
| Total risk-based capital ratio | 17.0292% | 3,341 |
| Memoranda: |
| Average total assets | $96,994,834,500 | 20 |
| Average earning assets | $83,304,805,000 | 23 |
| Average equity | $14,277,862,500 | 21 |
| Average total loans | $50,728,961,000 | 24 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9288% | 5,495 |
| Cost of funding earning assets | 0.3418% | 6,264 |
| Net interest margin | 3.5870% | 4,144 |
| Noninterest income to average assets | 1.1996% | 1,089 |
| Noninterest expense to average assets | 3.0989% | 2,925 |
| Loan and lease loss provision to assets | 0.6259% | 862 |
| Net operating income to assets | 0.4167% | 5,024 |
| Return on assets (ROA) | 0.4284% | 5,220 |
| Pretax return on assets | 0.5603% | 5,103 |
| Return on Equity (ROE) | 2.8688% | 5,603 |
| Retained earnings to average equity (ytd only) | 2.8688% | 4,223 |
| Net charge-offs to loans | 1.1721% | 872 |
| Credit loss provision to net charge-offs | 99.6701% | 3,111 |
| Earnings coverage of net charge-offs (x) | 1.8555% | 4,503 |
| Efficiency ratio | 69.5437% | 3,890 |
| Assets per employee ($millions) | 7.5445% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4815% | 3,819 |
| Loan loss allowance to noncurrent loans | 33.6217% | 5,915 |
| Noncurrent assets plus other real estate owned to assets | 2.6556% | 1,820 |
| Noncurrent loans to loans | 4.4065% | 983 |
| Net loans and leases to total assets | 53.0553% | 4,746 |
| Net loans and leases to deposits | 67.3452% | 4,074 |
| Net loans and leases to core deposits | 71.3317% | 4,128 |
| Total domestic deposits to total assets | 78.4129% | 6,011 |
| Equity capital to assets | 14.9603% | 747 |
| Core capital (leverage) ratio | 11.0613% | 2,204 |
| Tier 1 risk-based capital ratio | 14.9404% | 3,751 |
| Total risk-based capital ratio | 16.7871% | 3,366 |
| Memoranda: |
| Average total assets | $94,318,047,800 | 21 |
| Average earning assets | $80,578,086,800 | 21 |
| Average equity | $14,084,331,200 | 20 |
| Average total loans | $50,532,668,200 | 24 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0340% | 5,425 |
| Cost of funding earning assets | 0.3685% | 6,285 |
| Net interest margin | 3.6655% | 3,941 |
| Noninterest income to average assets | 1.2097% | 1,027 |
| Noninterest expense to average assets | 3.0999% | 2,890 |
| Loan and lease loss provision to assets | 0.6238% | 855 |
| Net operating income to assets | 0.4532% | 5,025 |
| Return on assets (ROA) | 0.4701% | 5,214 |
| Pretax return on assets | 0.6498% | 5,012 |
| Return on Equity (ROE) | 3.1495% | 5,627 |
| Retained earnings to average equity (ytd only) | 3.1495% | 4,659 |
| Net charge-offs to loans | 1.3273% | 703 |
| Credit loss provision to net charge-offs | 87.8419% | 3,365 |
| Earnings coverage of net charge-offs (x) | 1.7504% | 4,396 |
| Efficiency ratio | 68.2417% | 4,009 |
| Assets per employee ($millions) | 7.1459% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4271% | 4,253 |
| Loan loss allowance to noncurrent loans | 32.7159% | 6,003 |
| Noncurrent assets plus other real estate owned to assets | 2.6764% | 1,965 |
| Noncurrent loans to loans | 4.3622% | 1,105 |
| Net loans and leases to total assets | 53.2179% | 4,871 |
| Net loans and leases to deposits | 68.4362% | 4,108 |
| Net loans and leases to core deposits | 73.5715% | 4,033 |
| Total domestic deposits to total assets | 77.3654% | 6,185 |
| Equity capital to assets | 15.6120% | 686 |
| Core capital (leverage) ratio | 10.9922% | 2,392 |
| Tier 1 risk-based capital ratio | 15.5833% | 3,488 |
| Total risk-based capital ratio | 17.4624% | 3,129 |
| Memoranda: |
| Average total assets | $94,081,319,000 | 22 |
| Average earning assets | $80,422,329,250 | 21 |
| Average equity | $14,042,444,500 | 20 |
| Average total loans | $50,340,043,250 | 24 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1029% | 5,309 |
| Cost of funding earning assets | 0.3826% | 6,364 |
| Net interest margin | 3.7203% | 3,726 |
| Noninterest income to average assets | 0.9466% | 1,625 |
| Noninterest expense to average assets | 2.7847% | 4,078 |
| Loan and lease loss provision to assets | 0.5682% | 1,072 |
| Net operating income to assets | 0.5543% | 4,564 |
| Return on assets (ROA) | 0.5824% | 4,708 |
| Pretax return on assets | 0.8346% | 4,338 |
| Return on Equity (ROE) | 3.9961% | 5,266 |
| Retained earnings to average equity (ytd only) | 3.9961% | 3,952 |
| Net charge-offs to loans | 1.1540% | 937 |
| Credit loss provision to net charge-offs | 92.0746% | 2,975 |
| Earnings coverage of net charge-offs (x) | 2.1942% | 3,886 |
| Efficiency ratio | 64.1891% | 4,866 |
| Assets per employee ($millions) | 7.6775% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4717% | 4,152 |
| Loan loss allowance to noncurrent loans | 35.5218% | 5,894 |
| Noncurrent assets plus other real estate owned to assets | 2.5685% | 2,171 |
| Noncurrent loans to loans | 4.1432% | 1,323 |
| Net loans and leases to total assets | 53.5821% | 4,866 |
| Net loans and leases to deposits | 70.0461% | 3,891 |
| Net loans and leases to core deposits | 75.4707% | 3,821 |
| Total domestic deposits to total assets | 76.0172% | 6,456 |
| Equity capital to assets | 15.1473% | 748 |
| Core capital (leverage) ratio | 10.2777% | 3,070 |
| Tier 1 risk-based capital ratio | 14.8334% | 3,877 |
| Total risk-based capital ratio | 17.0162% | 3,266 |
| Memoranda: |
| Average total assets | $94,770,978,330 | 21 |
| Average earning assets | $81,320,343,670 | 21 |
| Average equity | $13,813,081,330 | 20 |
| Average total loans | $50,685,088,670 | 24 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9402% | 5,924 |
| Cost of funding earning assets | 0.3993% | 6,415 |
| Net interest margin | 3.5409% | 4,521 |
| Noninterest income to average assets | 0.9605% | 1,536 |
| Noninterest expense to average assets | 2.7125% | 4,383 |
| Loan and lease loss provision to assets | 0.7938% | 625 |
| Net operating income to assets | 0.3554% | 5,453 |
| Return on assets (ROA) | 0.4187% | 5,371 |
| Pretax return on assets | 0.5900% | 5,148 |
| Return on Equity (ROE) | 2.9277% | 5,741 |
| Retained earnings to average equity (ytd only) | 2.9277% | 4,789 |
| Net charge-offs to loans | 0.9974% | 1,038 |
| Credit loss provision to net charge-offs | 150.0173% | 1,666 |
| Earnings coverage of net charge-offs (x) | 2.4347% | 3,206 |
| Efficiency ratio | 64.6208% | 4,816 |
| Assets per employee ($millions) | 7.8943% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6230% | 3,635 |
| Loan loss allowance to noncurrent loans | 40.0121% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 2.4723% | 2,393 |
| Noncurrent loans to loans | 4.0563% | 1,500 |
| Net loans and leases to total assets | 52.6434% | 4,927 |
| Net loans and leases to deposits | 68.1514% | 4,032 |
| Net loans and leases to core deposits | 74.1615% | 3,881 |
| Total domestic deposits to total assets | 76.8058% | 6,428 |
| Equity capital to assets | 14.5302% | 856 |
| Core capital (leverage) ratio | 9.9246% | 3,461 |
| Tier 1 risk-based capital ratio | 14.5300% | 4,083 |
| Total risk-based capital ratio | 16.8026% | 3,390 |
| Memoranda: |
| Average total assets | $96,045,227,000 | 20 |
| Average earning assets | $82,463,723,000 | 21 |
| Average equity | $13,735,000,500 | 20 |
| Average total loans | $50,951,202,000 | 24 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8450% | 6,676 |
| Cost of funding earning assets | 0.5473% | 6,353 |
| Net interest margin | 3.2977% | 5,809 |
| Noninterest income to average assets | 1.0350% | 1,273 |
| Noninterest expense to average assets | 2.7823% | 4,411 |
| Loan and lease loss provision to assets | 0.4972% | 2,118 |
| Net operating income to assets | 0.4893% | 4,469 |
| Return on assets (ROA) | 0.4888% | 4,677 |
| Pretax return on assets | 0.6391% | 4,558 |
| Return on Equity (ROE) | 3.9810% | 4,858 |
| Retained earnings to average equity (ytd only) | 3.9810% | 3,363 |
| Net charge-offs to loans | 0.9338% | 1,867 |
| Credit loss provision to net charge-offs | 108.3330% | 3,113 |
| Earnings coverage of net charge-offs (x) | 2.4594% | 3,981 |
| Efficiency ratio | 68.2199% | 4,309 |
| Assets per employee ($millions) | 8.1838% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4872% | 4,081 |
| Loan loss allowance to noncurrent loans | 38.8645% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 2.2980% | 2,629 |
| Noncurrent loans to loans | 3.8267% | 1,637 |
| Net loans and leases to total assets | 51.8158% | 5,339 |
| Net loans and leases to deposits | 66.6424% | 4,646 |
| Net loans and leases to core deposits | 75.2582% | 4,072 |
| Total domestic deposits to total assets | 74.3598% | 6,682 |
| Equity capital to assets | 14.0766% | 1,034 |
| Core capital (leverage) ratio | 9.9094% | 3,442 |
| Tier 1 risk-based capital ratio | 14.3426% | 4,084 |
| Total risk-based capital ratio | 16.7166% | 3,309 |
| Memoranda: |
| Average total assets | $69,032,889,800 | 28 |
| Average earning assets | $60,205,283,400 | 29 |
| Average equity | $8,475,596,400 | 29 |
| Average total loans | $33,929,062,600 | 30 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5986% | 7,023 |
| Cost of funding earning assets | 0.5942% | 6,307 |
| Net interest margin | 3.0044% | 6,574 |
| Noninterest income to average assets | 1.0571% | 1,203 |
| Noninterest expense to average assets | 2.7246% | 4,638 |
| Loan and lease loss provision to assets | 0.6997% | 1,377 |
| Net operating income to assets | 0.2434% | 5,586 |
| Return on assets (ROA) | 0.2614% | 5,685 |
| Pretax return on assets | 0.2906% | 5,719 |
| Return on Equity (ROE) | 2.2588% | 5,693 |
| Retained earnings to average equity (ytd only) | 2.2588% | 4,996 |
| Net charge-offs to loans | 1.0087% | 1,595 |
| Credit loss provision to net charge-offs | 145.1226% | 2,183 |
| Earnings coverage of net charge-offs (x) | 2.0068% | 4,142 |
| Efficiency ratio | 70.9732% | 3,742 |
| Assets per employee ($millions) | 8.2032% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6347% | 3,508 |
| Loan loss allowance to noncurrent loans | 45.6450% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 2.3020% | 2,782 |
| Noncurrent loans to loans | 3.5813% | 1,921 |
| Net loans and leases to total assets | 53.5183% | 5,238 |
| Net loans and leases to deposits | 69.7128% | 4,344 |
| Net loans and leases to core deposits | 79.0466% | 3,764 |
| Total domestic deposits to total assets | 74.1310% | 6,740 |
| Equity capital to assets | 14.3765% | 1,030 |
| Core capital (leverage) ratio | 9.7103% | 3,831 |
| Tier 1 risk-based capital ratio | 13.8044% | 4,497 |
| Total risk-based capital ratio | 16.2366% | 3,640 |
| Memoranda: |
| Average total assets | $61,975,101,250 | 31 |
| Average earning assets | $54,355,368,750 | 31 |
| Average equity | $7,171,623,500 | 30 |
| Average total loans | $29,621,590,750 | 31 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4319% | 7,426 |
| Cost of funding earning assets | 0.6276% | 6,327 |
| Net interest margin | 1.8044% | 7,407 |
| Noninterest income to average assets | 1.1012% | 1,070 |
| Noninterest expense to average assets | 2.5088% | 5,500 |
| Loan and lease loss provision to assets | 0.5324% | 1,834 |
| Net operating income to assets | -0.1365% | 6,401 |
| Return on assets (ROA) | -0.1585% | 6,469 |
| Pretax return on assets | -0.3446% | 6,559 |
| Return on Equity (ROE) | -1.6110% | 6,475 |
| Retained earnings to average equity (ytd only) | -1.6110% | 6,178 |
| Net charge-offs to loans | 1.3331% | 1,146 |
| Credit loss provision to net charge-offs | 92.2635% | 3,398 |
| Earnings coverage of net charge-offs (x) | 0.3493% | 5,044 |
| Efficiency ratio | 89.9147% | 1,245 |
| Assets per employee ($millions) | 9.3828% | 289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3366% | 678 |
| Loan loss allowance to noncurrent loans | 74.4281% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.9344% | 3,327 |
| Noncurrent loans to loans | 4.4831% | 1,484 |
| Net loans and leases to total assets | 40.1720% | 6,732 |
| Net loans and leases to deposits | 51.9952% | 6,474 |
| Net loans and leases to core deposits | 61.9246% | 5,904 |
| Total domestic deposits to total assets | 70.4043% | 7,088 |
| Equity capital to assets | 9.6016% | 4,656 |
| Core capital (leverage) ratio | 8.7307% | 5,176 |
| Tier 1 risk-based capital ratio | 16.0320% | 2,962 |
| Total risk-based capital ratio | 17.7959% | 2,674 |
| Memoranda: |
| Average total assets | $50,590,585,330 | 37 |
| Average earning assets | $45,117,905,330 | 37 |
| Average equity | $4,976,554,000 | 40 |
| Average total loans | $21,900,040,330 | 37 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4844% | 7,481 |
| Cost of funding earning assets | 0.6504% | 6,378 |
| Net interest margin | 1.8339% | 7,448 |
| Noninterest income to average assets | 1.0506% | 1,192 |
| Noninterest expense to average assets | 2.5644% | 5,347 |
| Loan and lease loss provision to assets | 0.5408% | 1,602 |
| Net operating income to assets | -0.1986% | 6,560 |
| Return on assets (ROA) | -0.2160% | 6,595 |
| Pretax return on assets | -0.4282% | 6,711 |
| Return on Equity (ROE) | -2.1689% | 6,603 |
| Retained earnings to average equity (ytd only) | -2.1689% | 6,175 |
| Net charge-offs to loans | 1.1985% | 1,160 |
| Credit loss provision to net charge-offs | 102.1274% | 2,593 |
| Earnings coverage of net charge-offs (x) | 0.2249% | 4,446 |
| Efficiency ratio | 92.7888% | 1,111 |
| Assets per employee ($millions) | 9.0752% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2951% | 713 |
| Loan loss allowance to noncurrent loans | 68.5399% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 2.1624% | 3,114 |
| Noncurrent loans to loans | 4.8075% | 1,415 |
| Net loans and leases to total assets | 42.1540% | 6,607 |
| Net loans and leases to deposits | 56.9726% | 6,033 |
| Net loans and leases to core deposits | 70.0215% | 5,037 |
| Total domestic deposits to total assets | 65.8107% | 7,334 |
| Equity capital to assets | 9.9584% | 3,827 |
| Core capital (leverage) ratio | 8.9976% | 4,619 |
| Tier 1 risk-based capital ratio | 15.9943% | 2,901 |
| Total risk-based capital ratio | 17.9078% | 2,577 |
| Memoranda: |
| Average total assets | $49,956,416,000 | 37 |
| Average earning assets | $44,481,113,000 | 37 |
| Average equity | $4,975,187,000 | 40 |
| Average total loans | $22,074,132,000 | 37 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9518% | 7,500 |
| Cost of funding earning assets | 0.7700% | 6,680 |
| Net interest margin | 2.1819% | 7,404 |
| Noninterest income to average assets | 1.2693% | 916 |
| Noninterest expense to average assets | 2.5836% | 5,487 |
| Loan and lease loss provision to assets | 0.6857% | 2,398 |
| Net operating income to assets | 0.0384% | 5,735 |
| Return on assets (ROA) | 0.0002% | 5,959 |
| Pretax return on assets | -0.1106% | 6,009 |
| Return on Equity (ROE) | 0.0024% | 5,960 |
| Retained earnings to average equity (ytd only) | 0.0024% | 5,575 |
| Net charge-offs to loans | 1.3040% | 1,711 |
| Credit loss provision to net charge-offs | 105.8367% | 4,229 |
| Earnings coverage of net charge-offs (x) | 0.9445% | 5,165 |
| Efficiency ratio | 78.6005% | 2,598 |
| Assets per employee ($millions) | 9.1422% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1519% | 765 |
| Loan loss allowance to noncurrent loans | 67.8307% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 2.1562% | 3,148 |
| Noncurrent loans to loans | 4.6467% | 1,503 |
| Net loans and leases to total assets | 43.3701% | 6,759 |
| Net loans and leases to deposits | 59.5030% | 6,113 |
| Net loans and leases to core deposits | 72.8074% | 5,123 |
| Total domestic deposits to total assets | 64.4178% | 7,431 |
| Equity capital to assets | 9.9597% | 3,797 |
| Core capital (leverage) ratio | 9.6449% | 3,492 |
| Tier 1 risk-based capital ratio | 15.9816% | 2,761 |
| Total risk-based capital ratio | 17.8718% | 2,461 |
| Memoranda: |
| Average total assets | $45,611,721,200 | 38 |
| Average earning assets | $40,267,316,200 | 38 |
| Average equity | $4,628,631,600 | 42 |
| Average total loans | $22,660,957,000 | 37 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0835% | 7,614 |
| Cost of funding earning assets | 0.8073% | 6,740 |
| Net interest margin | 2.2762% | 7,491 |
| Noninterest income to average assets | 1.3309% | 767 |
| Noninterest expense to average assets | 2.6489% | 5,116 |
| Loan and lease loss provision to assets | 0.6578% | 2,323 |
| Net operating income to assets | 0.1009% | 5,777 |
| Return on assets (ROA) | 0.0616% | 5,999 |
| Pretax return on assets | -0.0100% | 6,102 |
| Return on Equity (ROE) | 0.6039% | 5,989 |
| Retained earnings to average equity (ytd only) | 0.6039% | 5,560 |
| Net charge-offs to loans | 1.3280% | 1,533 |
| Credit loss provision to net charge-offs | 97.0055% | 4,468 |
| Earnings coverage of net charge-offs (x) | 1.0134% | 5,046 |
| Efficiency ratio | 77.2289% | 2,735 |
| Assets per employee ($millions) | 8.0967% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9556% | 855 |
| Loan loss allowance to noncurrent loans | 71.4376% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 2.1509% | 3,267 |
| Noncurrent loans to loans | 4.1373% | 1,781 |
| Net loans and leases to total assets | 48.4013% | 6,481 |
| Net loans and leases to deposits | 68.4248% | 5,362 |
| Net loans and leases to core deposits | 77.6063% | 4,852 |
| Total domestic deposits to total assets | 67.5083% | 7,406 |
| Equity capital to assets | 10.9857% | 2,975 |
| Core capital (leverage) ratio | 10.0742% | 3,175 |
| Tier 1 risk-based capital ratio | 15.6619% | 2,921 |
| Total risk-based capital ratio | 17.5337% | 2,596 |
| Memoranda: |
| Average total assets | $44,508,061,500 | 39 |
| Average earning assets | $39,207,249,750 | 39 |
| Average equity | $4,540,169,500 | 42 |
| Average total loans | $22,725,551,250 | 37 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1277% | 7,693 |
| Cost of funding earning assets | 0.8167% | 6,857 |
| Net interest margin | 2.3110% | 7,525 |
| Noninterest income to average assets | 1.3785% | 659 |
| Noninterest expense to average assets | 2.5397% | 5,569 |
| Loan and lease loss provision to assets | 0.8333% | 1,745 |
| Net operating income to assets | 0.1043% | 5,855 |
| Return on assets (ROA) | 0.0730% | 6,039 |
| Pretax return on assets | 0.0149% | 6,130 |
| Return on Equity (ROE) | 0.7352% | 6,019 |
| Retained earnings to average equity (ytd only) | 0.7352% | 5,467 |
| Net charge-offs to loans | 1.4365% | 1,331 |
| Credit loss provision to net charge-offs | 112.7013% | 3,605 |
| Earnings coverage of net charge-offs (x) | 1.1895% | 4,613 |
| Efficiency ratio | 72.2180% | 3,778 |
| Assets per employee ($millions) | 7.7367% | 564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0826% | 772 |
| Loan loss allowance to noncurrent loans | 87.6563% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 1.8870% | 3,639 |
| Noncurrent loans to loans | 3.5166% | 2,247 |
| Net loans and leases to total assets | 49.0745% | 6,534 |
| Net loans and leases to deposits | 69.9916% | 5,278 |
| Net loans and leases to core deposits | 79.7162% | 4,724 |
| Total domestic deposits to total assets | 66.7514% | 7,496 |
| Equity capital to assets | 11.1501% | 2,728 |
| Core capital (leverage) ratio | 10.3507% | 2,776 |
| Tier 1 risk-based capital ratio | 15.7267% | 2,792 |
| Total risk-based capital ratio | 17.6012% | 2,478 |
| Memoranda: |
| Average total assets | $44,103,314,000 | 39 |
| Average earning assets | $38,944,748,330 | 39 |
| Average equity | $4,379,247,670 | 43 |
| Average total loans | $22,699,340,670 | 39 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0327% | 7,799 |
| Cost of funding earning assets | 0.8229% | 7,023 |
| Net interest margin | 2.2098% | 7,644 |
| Noninterest income to average assets | 1.3715% | 640 |
| Noninterest expense to average assets | 2.4238% | 6,001 |
| Loan and lease loss provision to assets | 0.8399% | 1,505 |
| Net operating income to assets | 0.1057% | 6,010 |
| Return on assets (ROA) | 0.0788% | 6,193 |
| Pretax return on assets | 0.0408% | 6,281 |
| Return on Equity (ROE) | 0.8476% | 6,160 |
| Retained earnings to average equity (ytd only) | 0.8476% | 5,475 |
| Net charge-offs to loans | 1.3908% | 1,242 |
| Credit loss provision to net charge-offs | 116.3709% | 2,998 |
| Earnings coverage of net charge-offs (x) | 1.2574% | 3,999 |
| Efficiency ratio | 70.7399% | 4,171 |
| Assets per employee ($millions) | 8.2329% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1338% | 736 |
| Loan loss allowance to noncurrent loans | 100.7145% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 1.6245% | 4,051 |
| Noncurrent loans to loans | 3.1116% | 2,578 |
| Net loans and leases to total assets | 49.4100% | 6,535 |
| Net loans and leases to deposits | 70.2221% | 5,309 |
| Net loans and leases to core deposits | 78.5243% | 4,959 |
| Total domestic deposits to total assets | 67.1714% | 7,567 |
| Equity capital to assets | 9.4581% | 4,601 |
| Core capital (leverage) ratio | 8.8891% | 4,743 |
| Tier 1 risk-based capital ratio | 12.5634% | 4,682 |
| Total risk-based capital ratio | 14.4828% | 4,134 |
| Memoranda: |
| Average total assets | $43,683,709,500 | 40 |
| Average earning assets | $38,742,686,500 | 39 |
| Average equity | $4,063,302,500 | 43 |
| Average total loans | $22,670,608,500 | 38 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1158% | 7,867 |
| Cost of funding earning assets | 1.0570% | 7,084 |
| Net interest margin | 2.0589% | 7,717 |
| Noninterest income to average assets | 0.9260% | 1,843 |
| Noninterest expense to average assets | 2.1543% | 7,076 |
| Loan and lease loss provision to assets | 1.1253% | 2,028 |
| Net operating income to assets | -0.2413% | 5,887 |
| Return on assets (ROA) | -0.2331% | 5,878 |
| Pretax return on assets | -0.4739% | 5,990 |
| Return on Equity (ROE) | -2.8887% | 5,967 |
| Retained earnings to average equity (ytd only) | -2.8887% | 5,678 |
| Net charge-offs to loans | 1.7912% | 1,396 |
| Credit loss provision to net charge-offs | 124.3364% | 4,223 |
| Earnings coverage of net charge-offs (x) | 0.6819% | 5,415 |
| Efficiency ratio | 75.4069% | 3,632 |
| Assets per employee ($millions) | 8.3740% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9337% | 819 |
| Loan loss allowance to noncurrent loans | 113.0674% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 1.3940% | 4,329 |
| Noncurrent loans to loans | 2.5946% | 2,962 |
| Net loans and leases to total assets | 51.2260% | 6,508 |
| Net loans and leases to deposits | 74.3513% | 4,981 |
| Net loans and leases to core deposits | 85.0113% | 5,617 |
| Total domestic deposits to total assets | 65.2076% | 7,668 |
| Equity capital to assets | 9.1473% | 4,919 |
| Core capital (leverage) ratio | 8.8223% | 4,733 |
| Tier 1 risk-based capital ratio | 11.4639% | 5,437 |
| Total risk-based capital ratio | 13.5464% | 4,650 |
| Memoranda: |
| Average total assets | $48,378,908,200 | 36 |
| Average earning assets | $43,363,806,400 | 36 |
| Average equity | $3,903,203,000 | 43 |
| Average total loans | $24,445,025,400 | 37 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1163% | 7,970 |
| Cost of funding earning assets | 1.1014% | 7,172 |
| Net interest margin | 2.0149% | 7,803 |
| Noninterest income to average assets | 0.9065% | 1,958 |
| Noninterest expense to average assets | 2.1291% | 7,135 |
| Loan and lease loss provision to assets | 1.1368% | 1,715 |
| Net operating income to assets | -0.2694% | 6,160 |
| Return on assets (ROA) | -0.2537% | 6,152 |
| Pretax return on assets | -0.5029% | 6,302 |
| Return on Equity (ROE) | -3.2402% | 6,274 |
| Retained earnings to average equity (ytd only) | -3.2402% | 5,982 |
| Net charge-offs to loans | 1.6319% | 1,247 |
| Credit loss provision to net charge-offs | 139.2425% | 3,543 |
| Earnings coverage of net charge-offs (x) | 0.7205% | 5,316 |
| Efficiency ratio | 75.9628% | 3,523 |
| Assets per employee ($millions) | 7.4913% | 636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0034% | 667 |
| Loan loss allowance to noncurrent loans | 91.3662% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 1.9310% | 3,454 |
| Noncurrent loans to loans | 3.2872% | 2,296 |
| Net loans and leases to total assets | 56.1569% | 6,123 |
| Net loans and leases to deposits | 83.5220% | 3,728 |
| Net loans and leases to core deposits | 97.2770% | 4,682 |
| Total domestic deposits to total assets | 63.8859% | 7,769 |
| Equity capital to assets | 9.6396% | 4,572 |
| Core capital (leverage) ratio | 8.1511% | 6,102 |
| Tier 1 risk-based capital ratio | 11.1017% | 5,851 |
| Total risk-based capital ratio | 13.2038% | 4,951 |
| Memoranda: |
| Average total assets | $49,480,728,500 | 37 |
| Average earning assets | $44,468,818,000 | 36 |
| Average equity | $3,873,454,500 | 46 |
| Average total loans | $24,754,859,000 | 41 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9919% | 8,079 |
| Cost of funding earning assets | 1.1107% | 7,351 |
| Net interest margin | 1.8812% | 7,917 |
| Noninterest income to average assets | 0.8308% | 2,266 |
| Noninterest expense to average assets | 2.0390% | 7,393 |
| Loan and lease loss provision to assets | 0.9119% | 1,850 |
| Net operating income to assets | -0.1932% | 6,177 |
| Return on assets (ROA) | -0.1552% | 6,137 |
| Pretax return on assets | -0.3400% | 6,273 |
| Return on Equity (ROE) | -2.1057% | 6,239 |
| Retained earnings to average equity (ytd only) | -2.1057% | 5,771 |
| Net charge-offs to loans | 1.3295% | 1,392 |
| Credit loss provision to net charge-offs | 142.7631% | 3,258 |
| Earnings coverage of net charge-offs (x) | 0.7717% | 4,959 |
| Efficiency ratio | 78.0095% | 3,345 |
| Assets per employee ($millions) | 7.6674% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6545% | 780 |
| Loan loss allowance to noncurrent loans | 96.9744% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 1.6201% | 3,783 |
| Noncurrent loans to loans | 2.7373% | 2,632 |
| Net loans and leases to total assets | 57.0018% | 6,085 |
| Net loans and leases to deposits | 81.7806% | 4,260 |
| Net loans and leases to core deposits | 102.9772% | 4,181 |
| Total domestic deposits to total assets | 64.0444% | 7,825 |
| Equity capital to assets | 9.3656% | 4,789 |
| Core capital (leverage) ratio | 7.9466% | 6,424 |
| Tier 1 risk-based capital ratio | 10.6773% | 6,208 |
| Total risk-based capital ratio | 12.7299% | 5,323 |
| Memoranda: |
| Average total assets | $52,687,238,670 | 38 |
| Average earning assets | $47,642,120,670 | 36 |
| Average equity | $3,883,780,000 | 47 |
| Average total loans | $25,313,829,000 | 42 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7658% | 8,154 |
| Cost of funding earning assets | 1.1035% | 7,512 |
| Net interest margin | 1.6624% | 8,015 |
| Noninterest income to average assets | 0.7022% | 2,878 |
| Noninterest expense to average assets | 1.7991% | 7,702 |
| Loan and lease loss provision to assets | 0.6393% | 1,977 |
| Net operating income to assets | -0.0704% | 6,361 |
| Return on assets (ROA) | 0.0239% | 6,351 |
| Pretax return on assets | -0.0539% | 6,436 |
| Return on Equity (ROE) | 0.3594% | 6,320 |
| Retained earnings to average equity (ytd only) | 0.3594% | 5,514 |
| Net charge-offs to loans | 0.9265% | 1,431 |
| Credit loss provision to net charge-offs | 155.7876% | 2,696 |
| Earnings coverage of net charge-offs (x) | 1.0239% | 4,255 |
| Efficiency ratio | 78.4826% | 3,089 |
| Assets per employee ($millions) | 8.9913% | 356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4136% | 835 |
| Loan loss allowance to noncurrent loans | 91.3844% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 1.3688% | 3,916 |
| Noncurrent loans to loans | 2.6412% | 2,488 |
| Net loans and leases to total assets | 49.9460% | 6,870 |
| Net loans and leases to deposits | 66.4849% | 6,333 |
| Net loans and leases to core deposits | 88.9191% | 5,656 |
| Total domestic deposits to total assets | 73.4848% | 6,969 |
| Equity capital to assets | 7.9009% | 6,953 |
| Core capital (leverage) ratio | 7.0493% | 7,604 |
| Tier 1 risk-based capital ratio | 10.9484% | 5,947 |
| Total risk-based capital ratio | 13.0943% | 4,992 |
| Memoranda: |
| Average total assets | $58,244,498,500 | 36 |
| Average earning assets | $53,153,858,500 | 36 |
| Average equity | $3,878,896,500 | 49 |
| Average total loans | $25,799,050,500 | 42 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2468% | 8,070 |
| Cost of funding earning assets | 1.9681% | 6,514 |
| Net interest margin | 2.2787% | 7,921 |
| Noninterest income to average assets | 0.9187% | 1,890 |
| Noninterest expense to average assets | 2.1522% | 7,108 |
| Loan and lease loss provision to assets | 1.1964% | 1,204 |
| Net operating income to assets | -0.2239% | 6,646 |
| Return on assets (ROA) | -0.2097% | 6,477 |
| Pretax return on assets | -0.4051% | 6,550 |
| Return on Equity (ROE) | -2.5117% | 6,564 |
| Retained earnings to average equity (ytd only) | -3.4362% | 6,217 |
| Net charge-offs to loans | 1.5067% | 771 |
| Credit loss provision to net charge-offs | 142.3730% | 3,722 |
| Earnings coverage of net charge-offs (x) | 0.9152% | 5,676 |
| Efficiency ratio | 71.4312% | 4,048 |
| Assets per employee ($millions) | 12.1646% | 160 |
| Cash dividends to net income (ytd only)* | -36.8067% | 8,028 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1730% | 975 |
| Loan loss allowance to noncurrent loans | 146.1015% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.5987% | 5,399 |
| Noncurrent loans to loans | 1.4873% | 3,571 |
| Net loans and leases to total assets | 38.4088% | 7,750 |
| Net loans and leases to deposits | 48.4527% | 7,693 |
| Net loans and leases to core deposits | 59.5380% | 7,602 |
| Total domestic deposits to total assets | 77.9035% | 5,747 |
| Equity capital to assets | 5.7527% | 8,102 |
| Core capital (leverage) ratio | 7.2443% | 7,480 |
| Tier 1 risk-based capital ratio | 10.5748% | 6,132 |
| Total risk-based capital ratio | 12.6919% | 5,195 |
| Memoranda: |
| Average total assets | $49,238,874,200 | 38 |
| Average earning assets | $43,272,497,800 | 40 |
| Average equity | $4,110,422,000 | 42 |
| Average total loans | $27,463,334,200 | 37 |
