7Baggers
Quarterly
Annual
    Unit: USD2025-09-30 2025-06-30 2025-03-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-03-31 2018-12-31 2018-09-30 2018-06-30 
      
                              
      interest income
                              
      interest and fees on loans and leases
    1,909,000,000 1,881,000,000 1,816,000,000 1,910,000,000 1,871,000,000 1,859,000,000 1,889,000,000 1,899,000,000 1,831,000,000 1,714,000,000 1,577,000,000 1,315,000,000 1,081,000,000 983,000,000 1,001,000,000 1,014,000,000 1,035,000,000 1,030,000,000 1,027,000,000 1,047,000,000 1,115,000,000 1,235,000,000     
      interest on securities
    444,000,000 458,000,000 451,000,000 461,000,000 458,000,000 455,000,000 450,000,000 444,000,000 437,000,000 439,000,000 440,000,000 414,000,000 369,000,000 294,000,000 281,000,000 266,000,000 279,000,000 264,000,000 279,000,000 274,000,000 283,000,000 283,000,000     
      interest on other short-term investments
    166,000,000 145,000,000 165,000,000 298,000,000 291,000,000 294,000,000 308,000,000 186,000,000 102,000,000 60,000,000 58,000,000 31,000,000 14,000,000 12,000,000 13,000,000 12,000,000 9,000,000 8,000,000 9,000,000 8,000,000 5,000,000 7,000,000     
      total interest income
    2,519,000,000 2,484,000,000 2,432,000,000 2,669,000,000 2,620,000,000 2,608,000,000 2,647,000,000 2,529,000,000 2,370,000,000 2,213,000,000 2,075,000,000 1,760,000,000 1,464,000,000 1,289,000,000 1,295,000,000 1,292,000,000 1,323,000,000 1,302,000,000 1,315,000,000 1,329,000,000 1,403,000,000 1,525,000,000     
      interest expense
                              
      interest on deposits
    750,000,000 732,000,000 743,000,000 968,000,000 958,000,000 954,000,000 952,000,000 844,000,000 655,000,000 478,000,000 300,000,000 112,000,000 25,000,000 11,000,000 11,000,000 12,000,000 15,000,000 21,000,000 27,000,000 46,000,000 83,000,000 166,000,000     
      interest on federal funds purchased
    2,000,000 2,000,000 2,000,000 2,000,000 3,000,000 3,000,000 2,000,000 2,000,000 5,000,000 5,000,000 2,000,000 3,000,000 1,000,000         2,000,000     
      interest on other short-term borrowings
    59,000,000 59,000,000 56,000,000 40,000,000 48,000,000 47,000,000 49,000,000 52,000,000 90,000,000 57,000,000 52,000,000 43,000,000 12,000,000  1,000,000   1,000,000 1,000,000 5,000,000 2,000,000 6,000,000     
      interest on long-term debt
    188,000,000 196,000,000 194,000,000 238,000,000 224,000,000 220,000,000 228,000,000 193,000,000 163,000,000 156,000,000 144,000,000 104,000,000 87,000,000 83,000,000 87,000,000 91,000,000 100,000,000 104,000,000 105,000,000 108,000,000 118,000,000 122,000,000     
      total interest expense
    999,000,000 989,000,000 995,000,000 1,248,000,000 1,233,000,000 1,224,000,000 1,231,000,000 1,091,000,000 913,000,000 696,000,000 498,000,000 262,000,000 125,000,000 94,000,000 99,000,000 103,000,000 115,000,000 126,000,000 133,000,000 159,000,000 203,000,000 296,000,000     
      net interest income
    1,520,000,000 1,495,000,000 1,437,000,000 1,421,000,000 1,387,000,000 1,384,000,000 1,416,000,000 1,438,000,000 1,457,000,000 1,517,000,000 1,577,000,000 1,498,000,000 1,339,000,000 1,195,000,000 1,196,000,000 1,189,000,000 1,208,000,000 1,176,000,000 1,182,000,000 1,170,000,000 1,200,000,000 1,229,000,000 1,082,000,000 3,097,000,000 1,043,000,000 1,020,000,000 
      benefit from credit losses
    197,000,000 173,000,000 174,000,000 160,000,000 97,000,000 94,000,000 55,000,000 119,000,000 177,000,000 164,000,000 180,000,000 158,000,000 179,000,000 45,000,000     -13,000,000 -15,000,000 485,000,000 640,000,000 90,000,000    
      net interest income after benefit from credit losses
    1,323,000,000 1,322,000,000 1,263,000,000 1,261,000,000 1,290,000,000 1,290,000,000 1,361,000,000 1,319,000,000 1,280,000,000 1,353,000,000 1,397,000,000 1,340,000,000 1,160,000,000 1,150,000,000 1,243,000,000 1,231,000,000 1,323,000,000 1,349,000,000 1,195,000,000 1,185,000,000 715,000,000 589,000,000     
      noninterest income
                          1,101,000,000 2,227,000,000 563,000,000 743,000,000 
      wealth and asset management revenue
    181,000,000 166,000,000 172,000,000 163,000,000 159,000,000 161,000,000 147,000,000 145,000,000 143,000,000 146,000,000 140,000,000 141,000,000 140,000,000 149,000,000 150,000,000 147,000,000 145,000,000 143,000,000 133,000,000 132,000,000 120,000,000 134,000,000     
      commercial payments revenue
    157,000,000 152,000,000 153,000,000                        
      consumer banking revenue
    144,000,000 147,000,000 137,000,000                        
      capital markets fees
    115,000,000 90,000,000 90,000,000                        
      commercial banking revenue
    87,000,000 79,000,000 80,000,000 163,000,000 144,000,000 143,000,000 163,000,000 154,000,000 146,000,000 161,000,000 159,000,000 134,000,000 137,000,000 135,000,000 172,000,000 152,000,000 160,000,000 153,000,000 141,000,000 125,000,000 137,000,000 124,000,000     
      mortgage banking net revenue
    58,000,000 56,000,000 57,000,000 50,000,000 50,000,000 54,000,000 66,000,000 57,000,000 59,000,000 69,000,000 63,000,000 69,000,000 31,000,000 52,000,000 35,000,000 86,000,000 64,000,000 85,000,000 25,000,000 76,000,000 99,000,000 120,000,000     
      other noninterest income
    29,000,000 44,000,000 14,000,000 15,000,000 37,000,000 50,000,000 55,000,000 55,000,000 74,000,000 22,000,000 70,000,000 59,000,000 85,000,000 52,000,000 121,000,000 120,000,000 49,000,000 42,000,000 169,000,000 26,000,000 12,000,000 7,000,000     
      securities gains
    10,000,000 16,000,000 -9,000,000 10,000,000 3,000,000 10,000,000 15,000,000 -7,000,000 7,000,000 4,000,000 2,000,000 -38,000,000 -32,000,000 -14,000,000 -19,000,000 -1,000,000 10,000,000 3,000,000 14,000,000 51,000,000 21,000,000 -24,000,000     
      total noninterest income
    781,000,000 750,000,000 694,000,000 711,000,000 695,000,000 710,000,000 744,000,000 715,000,000 726,000,000 696,000,000 735,000,000 672,000,000 676,000,000 684,000,000 792,000,000 836,000,000 741,000,000 749,000,000 787,000,000 722,000,000 650,000,000 671,000,000     
      noninterest expense
                          1,097,000,000 2,920,000,000 1,008,000,000 1,037,000,000 
      compensation and benefits
    685,000,000 698,000,000 750,000,000 690,000,000 656,000,000 753,000,000 658,000,000 629,000,000 650,000,000 757,000,000 654,000,000 605,000,000 584,000,000 711,000,000 655,000,000 627,000,000 638,000,000 706,000,000 679,000,000 637,000,000 627,000,000 647,000,000     
      technology and communications
    128,000,000 126,000,000 123,000,000 121,000,000 114,000,000 117,000,000 117,000,000 115,000,000 114,000,000 118,000,000 110,000,000 106,000,000 98,000,000 101,000,000 103,000,000 98,000,000 94,000,000 93,000,000 90,000,000 89,000,000 90,000,000 93,000,000     
      net occupancy expense
    89,000,000 83,000,000 87,000,000 81,000,000 83,000,000 87,000,000 83,000,000 84,000,000 83,000,000 81,000,000 82,000,000 74,000,000 75,000,000 77,000,000 77,000,000 79,000,000 77,000,000 79,000,000 96,000,000 90,000,000 82,000,000 82,000,000     
      equipment expense
    44,000,000 41,000,000 42,000,000 38,000,000 38,000,000 37,000,000 38,000,000 37,000,000 36,000,000 37,000,000 37,000,000 36,000,000 36,000,000 36,000,000 36,000,000 34,000,000 34,000,000 34,000,000 33,000,000 33,000,000 32,000,000 32,000,000     
      loan and lease expense
    39,000,000 36,000,000 30,000,000                        
      marketing expense
    34,000,000 43,000,000 28,000,000 26,000,000 34,000,000 32,000,000 30,000,000 35,000,000 31,000,000 29,000,000 31,000,000 35,000,000 28,000,000 24,000,000 35,000,000 29,000,000 20,000,000 23,000,000 30,000,000 23,000,000 20,000,000 31,000,000     
      card and processing expense
    22,000,000 22,000,000 21,000,000 22,000,000 21,000,000 20,000,000 21,000,000 21,000,000 20,000,000 22,000,000 21,000,000 21,000,000 20,000,000 19,000,000 19,000,000 19,000,000 20,000,000 30,000,000 32,000,000 29,000,000 29,000,000 31,000,000     
      other noninterest expense
    226,000,000 215,000,000 223,000,000 245,000,000 253,000,000 271,000,000 481,000,000 238,000,000 266,000,000 253,000,000 247,000,000 257,000,000 240,000,000 222,000,000 247,000,000 253,000,000 237,000,000 215,000,000 239,000,000 225,000,000 208,000,000 249,000,000     
      total noninterest expense
    1,267,000,000 1,264,000,000 1,304,000,000 1,244,000,000 1,221,000,000 1,342,000,000 1,455,000,000 1,188,000,000 1,231,000,000 1,331,000,000 1,218,000,000 1,167,000,000 1,112,000,000 1,222,000,000 1,207,000,000 1,172,000,000 1,153,000,000 1,215,000,000 1,236,000,000 1,161,000,000 1,121,000,000 1,200,000,000     
      income before income taxes
    837,000,000 808,000,000 653,000,000 728,000,000 764,000,000 658,000,000 650,000,000 846,000,000 775,000,000 718,000,000 914,000,000 845,000,000 724,000,000 612,000,000 828,000,000 895,000,000 911,000,000 883,000,000 746,000,000 746,000,000 244,000,000 60,000,000     
      applicable income tax expense
    188,000,000 180,000,000 138,000,000 155,000,000 163,000,000 138,000,000 120,000,000 186,000,000 174,000,000 160,000,000 177,000,000 192,000,000 162,000,000 118,000,000 165,000,000 191,000,000 202,000,000 189,000,000 142,000,000 165,000,000 49,000,000 14,000,000     
      net income
    649,000,000 628,000,000 515,000,000 573,000,000 601,000,000 520,000,000 530,000,000 660,000,000 601,000,000 558,000,000 737,000,000 653,000,000 562,000,000 494,000,000 663,000,000 704,000,000 709,000,000 694,000,000 604,000,000 581,000,000 195,000,000 46,000,000     
      yoy
    7.99% 20.77% -2.83% -13.18% 0.00% -6.81% -28.09% 1.07% 6.94% 12.96% 11.16% -7.24% -20.73% -28.82% 9.77% 21.17% 263.59% 1408.70%         
      qoq
    3.34% 21.94% -10.12% -4.66% 15.58% -1.89% -19.70% 9.82% 7.71% -24.29% 12.86% 16.19% 13.77% -25.49% -5.82% -0.71% 2.16% 14.90% 3.96% 197.95% 323.91%      
      net income margin %
                          0% 0% 0% 0% 
      dividends on preferred stock
    41,000,000 37,000,000 37,000,000 41,000,000 40,000,000 40,000,000 37,000,000 37,000,000 39,000,000 23,000,000 38,000,000 22,000,000 36,000,000 20,000,000 36,000,000 20,000,000 35,000,000 20,000,000 35,000,000 19,000,000 32,000,000 17,000,000     
      net income available to common shareholders
    608,000,000 591,000,000 478,000,000 532,000,000 561,000,000 480,000,000 493,000,000 623,000,000 562,000,000 535,000,000 699,000,000 631,000,000 526,000,000 474,000,000 627,000,000 684,000,000 674,000,000 674,000,000 569,000,000 562,000,000 163,000,000 29,000,000 760,000,000 1,700,000,000 418,000,000 563,000,000 
      earnings per share - basic
    0.91 0.88 0.71 0.78 0.82 0.7 0.72 0.91 0.82 0.78 1.01 0.91 0.76 0.69 0.91 0.98 0.95 0.94 0.79 0.78 0.23 0.04 1.14 2.49 0.62 0.81 
      earnings per share - diluted
    0.91 0.88 0.71 0.78 0.81 0.7 0.72 0.91 0.82 0.78 1.01 0.91 0.76 0.68 0.9 0.97 0.94 0.93 0.79 0.78 0.23 0.04 1.12 2.45 0.61 0.8 
      average common shares outstanding - basic
    666,426,892 670,787,224 671,052,320 680,895,306 686,781,201 685,749,673 81,207 684,224,277 684,028,603 684,017,462 15,749 689,278,078 689,018,541 687,537,989 -4,656,961 697,457,483 708,832,787 714,432,813 252,496 715,102,136 714,766,570 713,555,693     
      average common shares outstanding - diluted
    670,877,546 674,034,313 676,040,080 686,108,625 691,082,792 690,633,531 16,972 687,059,147 686,385,938 689,566,425 -255,241 694,592,855 694,804,715 696,242,395 -4,605,205 706,089,674 718,084,745 723,425,111 792,767 718,893,892 717,571,890 720,362,697     
      service charges on deposits
       161,000,000 156,000,000 151,000,000 146,000,000 149,000,000 144,000,000 137,000,000 140,000,000 143,000,000 154,000,000 152,000,000 155,000,000 152,000,000 149,000,000 144,000,000 145,000,000 144,000,000 122,000,000 148,000,000     
      card and processing revenue
       106,000,000 108,000,000 102,000,000 106,000,000 104,000,000 106,000,000 100,000,000 103,000,000 105,000,000 105,000,000 97,000,000 104,000,000 102,000,000 102,000,000 94,000,000 92,000,000 92,000,000 82,000,000 86,000,000     
      leasing business revenue
       43,000,000 38,000,000 39,000,000 46,000,000 58,000,000 47,000,000 57,000,000 58,000,000 60,000,000 56,000,000 62,000,000 74,000,000 78,000,000 61,000,000 87,000,000 69,000,000 77,000,000 57,000,000 73,000,000     
      leasing business expense
       21,000,000 22,000,000 25,000,000 27,000,000 29,000,000 31,000,000 34,000,000 36,000,000 33,000,000 31,000,000 32,000,000 35,000,000 33,000,000 33,000,000 35,000,000 37,000,000 35,000,000 33,000,000 35,000,000     
      securities gains, net – non-qualifying hedges on mortgage servicing rights
                  -500,000  1,000,000 -2,000,000 750,000 -1,000,000       
      securities losses, net – non-qualifying hedges on mortgage servicing rights
              -500,000 -1,000,000  -1,000,000             
      (benefit from) benefit from credit losses
                  -47,000,000 -42,000,000 -115,000,000 -173,000,000         
      securities gains, net - non-qualifying hedges on mortgage servicing rights
                         3,000,000     
      income statement data
                              
      total revenue
                          2,187,000,000 5,336,000,000 1,610,000,000 1,767,000,000 
      yoy
                              
      qoq
                          -59.01% 231.43% -8.89%  
      net income attributable to bancorp
                          775,000,000 1,760,000,000 433,000,000 586,000,000 
      common share data
                              
      cash dividends declared per common share
                          0.22 0.56 0.18 0.18 
      book value per share
                          24.77 1.15 21.92 21.97 
      market value per share
                          25.22 -4.39 27.92 28.7 
      financial ratios
                              
      return on average assets
                          2.11 0.33 1.21 1.66 
      return on average common equity
                          19.6 3.3 11.2 15.3 
      return on average tangible common equity
                          23.9 13.5 18.4 
      dividend payout
                          19.3 -5.2 29  
      average total bancorp shareholders’ equity as a percent of average assets
                          11.43 -0.16 11.39 11.38 
      tangible common equity as a percent of tangible assets
                          8.21 -0.41 9.12 9.33 
      net interest margin
                          3.28 -0.01 3.23 3.21 
      net interest rate spread
                          2.87  2.87 2.86 
      efficiency
                          50.2 -6.1 62.6 58.7 
      credit quality
                              
      net incomees charged-off
                          77 258 72 94 
      net incomees charged-off as a percent of average portfolio loans and leases
                          0.32 0.05 0.3 0.41 
      alll as a percent of portfolio loans and leases
                          1.02 -0.01 1.17 1.17 
      allowance for credit losses as a percent of portfolio loans and leases
                          1.14 -0.01 1.31 1.31 
      nonperforming portfolio assets as a percent of portfolio loans and leases and oreo
                          0.45 -0.07 0.48 0.52 
      average balances
                              
      loans and leases, including held for sale
                          98,362 -101 93,977 93,232 
      securities and other short-term investments
                          36,101 207 34,822  
      total assets
                          148,968   141,529 
      transaction deposits
                          100,647 599 97,315 97,574 
      core deposits
                          105,507 528 101,492 101,592 
      wholesale funding
                          22,187 -40 20,613 20,464 
      bancorp shareholders’ equity
                          17,025 -175 16,145 16,108 
      regulatory capital and liquidity ratios
                              
      cet1 capital
                          9.6 -0.43 10.67 10.91 
      tier i risk-based capital
                          10.67 -0.46 11.78 12.02 
      total risk-based capital
                          13.68 -0.46 14.94 15.21 
      tier i leverage
                          10.32 -0.38 10.1 10.24 
      modified lcr
                          113 119 116 
      these are non-gaap measures. for further information, refer to the non-gaap financial measures section of md&a.
                              
      the benefit from credit losses is the sum of the benefit from loan and lease losses and the benefit from the reserve for unfunded commitments.
                              
      the allowance for credit losses is the sum of the alll and the reserve for unfunded commitments.
                              
      includes transaction deposits and other time deposits.
                              
      includes certificates 100,000 and over, other deposits, federal funds purchased, other short-term borrowings and long-term debt.
                              
      under the u.s. banking agencies’ basel iii final rule, assets and credit equivalent amounts of off-balance sheet exposures are calculated according to the standardized approach for risk-weighted assets. the resulting values are added together resulting in the bancorp’s total risk-weighted assets.
                              
      excludes unrealized gains and losses.
                              
      benefit from loan and lease losses
                           151,000,000 86,000,000 33,000,000 
      assets
                           431 141,752  
      under the u.s. banking agencies’ basel iii final rule, assets and credit equivalent amounts of off-balance sheet exposures are calculated according to the standardized approach for risk-weighted assets. the resulting values are added together in the bancorp’s total risk-weighted assets.
                              
      dividend payout ratio
                             22.2 
      total securities and other short-term investments
                             34,935 
    The information provided in this report is taken from www.sec.gov and many other data providers. While we have conducted our best efforts to ensure that the parsed data is accurate, we cannot guarantee its accuracy. Please use caution and understand that any consequences of its use are your own responsibility.