$14.31B
Net Interest Income
$-1.05B
Net Income
90.1%
Efficiency Ratio
2.69%
Net Int. Margin
-1.7%
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 | $24.61B | $25.07B | $24.46B | $16.64B | $13.77B |
| Interest Expense | $10.29B | $10.97B | $9.86B | $2.32B | $768.00M |
| Net Interest Income | $14.31B | $14.09B | $14.60B | $14.32B | $13.01B |
| Provision for Credit Losses | $1.85B | $1.87B | $2.11B | $777.00M | $-813.00M |
| Net Interest Income After Provision | $12.46B | $12.22B | $12.49B | $13.54B | $13.82B |
| Non-Interest Income | $5.82B | $-813.00M | $8.79B | $8.72B | $9.29B |
| Non-Interest Expense | $11.94B | $12.01B | $21.47B | $14.59B | $15.12B |
| Compensation & Benefits | $6.55B | $6.51B | $8.65B | $8.47B | $8.63B |
| Occupancy Expense | $703.00M | $656.00M | $715.00M | $744.00M | $764.00M |
| Technology & Equipment | $373.00M | $373.00M | $409.00M | $478.00M | $513.00M |
| Marketing Expense | $310.00M | $268.00M | $297.00M | $352.00M | $294.00M |
| Professional Fees | $1.50B | $1.34B | $1.34B | $1.41B | $1.44B |
| Other Non-Interest Expense | - | - | - | $742.00M | $595.00M |
| Income Before Tax | $6.34B | $-601.00M | $-185.00M | $7.67B | $7.99B |
| Income Tax Expense | $1.10B | $-556.00M | $862.00M | $1.40B | $1.56B |
| Net Income | $5.23B | $4.84B | $-1.05B | $6.27B | $6.44B |
| Basic EPS | 3.76 | 3.36 | -1.09 | 4.46 | 4.51 |
| Diluted EPS | 3.73 | 3.36 | -1.09 | 4.43 | 4.47 |
| 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 | $5.79B | $5.07B | $5.38B | $5.08B |
| Interest-Bearing Deposits | $33.98B | $25.57B | $16.04B | $15.21B |
| Fed Funds Sold & Repos | $2.55B | $2.38B | $3.18B | $4.03B |
| Trading Assets | $5.10B | $4.33B | $4.91B | $4.42B |
| Investment Securities - AFS | $67.46B | $67.37B | $71.80B | $153.12B |
| Investment Securities - HTM | $50.64B | $54.11B | $57.71B | $1.49B |
| Loans & Leases (Gross) | $306.38B | $312.06B | - | - |
| Loans & Leases (Net) | $301.53B | $307.26B | $321.61B | $285.08B |
| Goodwill & Intangibles | $17.12B | $20.90B | $27.01B | $26.10B |
| Premises & Equipment | $3.23B | $3.37B | $3.60B | $3.70B |
| Other Assets | $37.13B | $37.17B | $35.13B | $32.15B |
| Total Assets | $531.18B | $535.35B | $555.25B | $541.24B |
| Total Deposits | $390.52B | - | - | - |
| Trading Liabilities | $202.00M | - | - | - |
| Short-term Borrowings | $29.20B | $24.83B | $23.42B | $5.29B |
| Long-term Debt | $34.96B | $38.92B | $43.20B | $35.91B |
| Other Liabilities | $12.81B | $16.48B | $14.60B | $14.28B |
| Total Liabilities | $467.50B | $476.10B | $494.72B | $471.97B |
| Common Stock | $6.58B | $6.67B | $6.63B | $6.64B |
| Retained Earnings | $23.78B | $22.09B | $26.26B | $23.00B |
| AOCI | $-8.21B | $-12.51B | $-13.60B | $-1.60B |
| Total Stockholders Equity | $63.68B | $59.25B | $60.54B | $69.27B |
| Total Liabilities & Equity | $531.18B | $535.35B | $555.25B | $541.24B |
| 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 | $5.23B | $4.84B | $-1.05B | $6.27B | $6.44B |
| Provision for Credit Losses | $1.85B | $1.87B | $2.11B | $777.00M | $-813.00M |
| Deferred Taxes | - | $-27.00M | $-409.00M | - | - |
| Stock-based Compensation | - | $292.00M | $298.00M | - | - |
| Net Change in Trading Assets | $2.12B | $768.00M | $-573.00M | $482.00M | $551.00M |
| Net Change in Loans HFS | $339.00M | $381.00M | $-213.00M | $-2.48B | $-1.41B |
| Other Operating Adjustments | $971.00M | $819.00M | $5.00M | $-2.38B | $229.00M |
| Operating Cash Flow | $6.34B | $2.16B | $8.63B | $11.08B | $7.89B |
| Purchases of Securities | $29.79B | $44.74B | $4.23B | $9.36B | $70.78B |
| Sales of Securities | $2.98B | $27.64B | $21.00M | $3.31B | $148.00M |
| Maturities of Securities | $27.88B | $14.91B | $10.01B | $12.30B | $33.97B |
| Net Change in Loans | - | - | $-12.20B | $32.84B | $-9.79B |
| Capital Expenditures | - | - | - | $564.00M | $442.00M |
| Acquisitions | - | - | $17.00M | $4.67B | $1.64B |
| Investing Cash Flow | $-31.90B | $18.60B | $22.86B | $-29.97B | $-32.06B |
| Net Change in Deposits | $35.94B | $-6.88B | $-17.63B | $-2.99B | $35.42B |
| Long-term Debt Issued | $88.53B | $22.80B | $50.94B | $15.78B | $4.73B |
| Long-term Debt Repaid | $77.70B | $26.80B | $55.02B | $7.30B | $7.96B |
| Preferred Stock Issued | - | - | - | - | - |
| Common Stock Repurchased | $4.00B | $1.00B | - | $250.00M | $1.62B |
| Dividends Paid | $4.73B | $2.77B | $2.77B | $2.66B | $2.48B |
| Financing Cash Flow | $26.86B | $-11.64B | $-22.27B | $20.02B | $25.59B |
| Net Change in Cash | $1.30B | $9.12B | $9.22B | $1.13B | $1.43B |
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 | $2.66B | $2.75B | $7.57B | $8.66B |
| Income Before Tax | $1.74B | $1.71B | $4.79B | $-2.15B |
| Income Tax Expense | $285.00M | $271.00M | $832.00M | $-821.00M |
| Net Income | $1.45B | $1.44B | $3.95B | $3.56B |
| Basic EPS | 1.05 | 1.00 | 2.85 | 2.44 |
| Diluted EPS | 1.04 | 0.99 | 2.82 | 2.44 |
| Basic Shares Outstanding | $1.28B | $1.33B | $1.29B | $1.34B |
| Diluted Shares Outstanding | $1.30B | $1.35B | $1.31B | $1.34B |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Property Plant & Equipment | $3.18B | $3.23B |
| Goodwill | $17.12B | $17.12B |
| Intangible Assets | $1.33B | $1.55B |
| Total Assets | $543.85B | $531.18B |
| Short-term Debt | $29.38B | $29.20B |
| Long-term Debt | $41.73B | $34.96B |
| Total Liabilities | $478.20B | $467.50B |
| Common Stock | $6.40B | $6.58B |
| Retained Earnings | $25.44B | $23.78B |
| Total Stockholders Equity | $65.65B | $63.68B |
| Total Liabilities & Equity | $543.85B | $531.18B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $1.45B | $1.44B | $3.95B | $3.56B |
| Operating Cash Flow | - | - | $3.16B | $1.39B |
| Sales of Investments | - | - | $12.12B | $11.13B |
| Investing Cash Flow | - | - | $-12.97B | $26.56B |
| Debt Repayment | - | - | $44.50B | $16.75B |
| Stock Repurchased | - | - | $1.75B | $500.00M |
| Dividends Paid | - | - | $2.01B | $2.08B |
| Financing Cash Flow | - | - | $6.90B | $-18.95B |
| Net Change in Cash | - | - | $-2.92B | $9.00B |
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.