$5.83B
Net Interest Income
$2.45B
Net Income
60.0%
Efficiency Ratio
2.74%
Net Int. Margin
12.8%
ROE
| Breakdown | TTM (Sep 30, 2025) |
FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
FY 2022 (Dec 31, 2022) |
FY 2021 (Dec 31, 2021) |
|---|---|---|---|---|---|
| Interest Income | $9.96B | $10.43B | $9.76B | $6.59B | $5.21B |
| Interest Expense | $4.07B | $4.80B | $3.93B | $978.00M | $441.00M |
| Net Interest Income | $5.89B | $5.63B | $5.83B | $5.61B | $4.77B |
| Provision for Credit Losses | $723.00M | $530.00M | $515.00M | $563.00M | $-377.00M |
| Net Interest Income After Provision | $5.17B | $5.10B | $5.31B | $5.05B | $5.15B |
| Non-Interest Income | $2.96B | $2.85B | $2.88B | $2.77B | $3.12B |
| Other Non-Interest Income | - | $20.00M | $6.00M | - | - |
| Non-Interest Expense | $5.06B | $5.03B | $5.21B | $4.72B | $4.75B |
| Compensation & Benefits | $2.80B | $2.76B | $2.69B | $2.55B | $2.63B |
| Occupancy Expense | $347.00M | $339.00M | $331.00M | $307.00M | $312.00M |
| Technology & Equipment | $94.00M | $81.00M | $87.00M | $145.00M | $138.00M |
| Professional Fees | - | $49.00M | $53.00M | - | - |
| Other Non-Interest Expense | $869.00M | $973.00M | $1.24B | $968.00M | $951.00M |
| Income Before Tax | $3.06B | $2.92B | $2.99B | $3.09B | $3.52B |
| Income Tax Expense | $651.00M | $602.00M | $639.00M | $647.00M | $747.00M |
| Net Income | $2.41B | $2.31B | $2.35B | $2.45B | $2.77B |
| Basic EPS | 3.36 | 3.16 | 3.23 | 3.38 | 3.78 |
| Diluted EPS | 3.36 | 3.14 | 3.22 | 3.35 | 3.73 |
| Breakdown | FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
FY 2022 (Dec 31, 2022) |
FY 2021 (Dec 31, 2021) |
|---|---|---|---|---|
| Cash & Due from Banks | - | - | - | $2.99B |
| Investment Securities - AFS | $39.55B | $50.42B | $51.50B | $38.11B |
| Investment Securities - HTM | $11.28B | $2.00M | $5.00M | $8.00M |
| Loans & Leases (Gross) | $119.79B | $117.23B | $121.48B | $112.05B |
| Loans & Leases (Net) | $117.44B | $114.91B | $119.29B | $110.16B |
| Goodwill & Intangibles | $4.92B | $4.92B | $4.92B | $4.51B |
| Premises & Equipment | $2.48B | $2.35B | $2.19B | $2.12B |
| Other Assets | $12.86B | $12.54B | $13.46B | $11.44B |
| Total Assets | $212.93B | $214.57B | $207.45B | $211.12B |
| Total Deposits | $167.25B | $168.91B | $163.69B | $169.32B |
| Short-term Borrowings | $4.65B | - | - | - |
| Long-term Debt | $14.34B | $16.38B | $13.71B | $11.82B |
| Other Liabilities | $4.90B | $4.86B | $5.88B | $4.27B |
| Total Liabilities | $193.28B | $195.40B | $190.12B | $188.91B |
| Common Stock | $2.05B | $2.05B | $2.05B | $2.05B |
| Retained Earnings | $24.15B | $23.00B | $21.69B | $20.24B |
| Treasury Stock | $7.84B | $7.26B | $7.10B | $7.02B |
| AOCI | $-4.64B | $-4.49B | $-5.11B | $1.21B |
| Total Stockholders Equity | $19.64B | $19.17B | $17.33B | $22.21B |
| Total Liabilities & Equity | $212.93B | $214.57B | $207.45B | $211.12B |
| Breakdown | TTM (Sep 30, 2025) |
FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
FY 2022 (Dec 31, 2022) |
FY 2021 (Dec 31, 2021) |
|---|---|---|---|---|---|
| Net Income | $2.41B | $2.31B | $2.35B | $2.45B | $2.77B |
| Provision for Credit Losses | $897.00M | $530.00M | $515.00M | $563.00M | $-377.00M |
| Deferred Taxes | $99.00M | $72.00M | $-106.00M | $-60.00M | $-14.00M |
| Stock-based Compensation | $347.00M | $164.00M | $169.00M | $165.00M | $120.00M |
| Net Change in Trading Assets | $186.00M | $3.00M | $128.00M | $-70.00M | $-15.00M |
| Operating Cash Flow | $7.26B | $2.82B | $4.51B | $6.43B | $2.70B |
| Purchases of Securities | - | - | - | $29.71B | $11.71B |
| Sales of Securities | $8.38B | $782.00M | $2.81B | $4.36B | $3.12B |
| Maturities of Securities | $11.69B | $5.81B | $4.24B | $4.50B | $6.08B |
| Capital Expenditures | $942.00M | $414.00M | $491.00M | $348.00M | $309.00M |
| Investing Cash Flow | $2.46B | $1.04B | $-9.49B | $-4.87B | $-7.97B |
| Net Change in Deposits | $-6.56B | $-1.66B | $5.22B | $-5.99B | $10.73B |
| Long-term Debt Issued | $3.10B | $3.25B | $4.29B | $4.03B | $562.00M |
| Long-term Debt Repaid | $6.33B | $5.28B | $1.66B | $1.76B | $3.60B |
| Preferred Stock Issued | - | - | - | - | - |
| Common Stock Repurchased | $1.27B | $625.00M | $200.00M | $100.00M | $1.39B |
| Dividends Paid | $2.03B | $1.18B | $1.06B | $927.00M | $897.00M |
| Financing Cash Flow | $-10.08B | $-3.99B | $4.66B | $-1.08B | $5.11B |
| Net Change in Cash | $-361.00M | $-128.00M | $-324.00M | $472.00M | $-153.00M |
SEC Filing Format - Data shown as it appears in the Q3 2025 (10-Q) filing
Period ended: Sep 30, 2025
Condensed Consolidated Statements of Operations
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Interest Expense | $999.00M | $1.25B | $2.98B | $3.71B |
| Income Before Tax | $837.00M | $728.00M | $2.30B | $2.15B |
| Income Tax Expense | $188.00M | $155.00M | $507.00M | $457.00M |
| Net Income | $649.00M | $573.00M | $1.79B | $1.69B |
| Basic EPS | 0.91 | 0.78 | 2.51 | 2.30 |
| Diluted EPS | 0.91 | 0.78 | 2.49 | 2.28 |
| Basic Shares Outstanding | $666.43M | $680.90M | $669.41M | $684.46M |
| Diluted Shares Outstanding | $670.88M | $686.11M | $673.63M | $689.26M |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Property Plant & Equipment | $2.65B | $2.48B |
| Goodwill | $4.95B | $4.92B |
| Intangible Assets | $76.00M | $90.00M |
| Total Assets | $212.90B | $212.93B |
| Long-term Debt | $13.68B | $14.34B |
| Total Liabilities | $191.80B | $193.28B |
| Common Stock | $2.05B | $2.05B |
| Retained Earnings | $25.06B | $24.15B |
| Treasury Stock | $8.31B | $7.84B |
| Total Stockholders Equity | $21.11B | $19.64B |
| Total Liabilities & Equity | $212.90B | $212.93B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $649.00M | $573.00M | $1.79B | $1.69B |
| Stock-based Compensation | - | - | $135.00M | $133.00M |
| Deferred Income Tax | - | - | $43.00M | $8.00M |
| Operating Cash Flow | - | - | $3.58B | $2.92B |
| Capital Expenditure | - | - | $420.00M | $269.00M |
| Purchases of Investments | - | - | $6.19B | $4.85B |
| Sales of Investments | - | - | $5.07B | $3.99B |
| Investing Cash Flow | - | - | $-989.00M | $-104.00M |
| Debt Repayment | - | - | $1.88B | $2.67B |
| Stock Repurchased | - | - | $525.00M | $325.00M |
| Dividends Paid | - | - | $866.00M | $887.00M |
| Financing Cash Flow | - | - | $-2.71B | $-2.75B |
| Net Change in Cash | - | - | $-113.00M | $73.00M |
All values are in USD (United States Dollars). Data is sourced from SEC EDGAR 10-K filings.
Annual data represents full fiscal year results. FY = Fiscal Year ending.