The Top Five
As noted earlier, Banc of America Leasing maintained its grip on the No. 1 position, despite a drop in
new business volume of $1.37 billion. Wells Fargo
solidified its control of the No. 2 spot with its gargantuan growth of $17.8 billion, or 56%, while CIT,
having fallen off by 44%, was able to hang on to the
No. 3 slot with PNC Equipment Finance following
close behind at No. 4. PNC will likely become a challenger on the benefit of its close of the ECN Capital
U.S. acquisition, which will add $1.0 billion of portfolio assets in 2017. Conversely, CIT will shrink even
further, having announced the sale of its European
Rail Business as well as its joint venture stake in
TC-CIT Aviation to its JV partner. No. 5 BMO
Financial, which eked out U.S. Bank Equipment
Finance by a mere $12 million with Key Equipment
Finance not far behind, will be in a battle to retain its
place in the Top 5 in next year’s rankings.
Loan to Deposit Ratio
U.S. Bank Liquidity (2010–2016) — Banks With Assets $1B Plus ($ = trillions)
Net Loans & Leases Total Deposits Ratio (% of Loans to Deposits)
5. 5
8. 1
6. 8
9. 4
10. 7
$12.0
40%
60%
50%
70%
80%
90%
YE/2013 YE/2016 YE/2010 YE/2012 YE/2011 YE/2015 YE/2014
5. 8
6. 4 6. 2
5. 6
6. 8
7. 8
7. 4
70.4% 68.6%
74.8%
8. 3
9. 4
9.0
10.0
10. 4
11. 1
7. 5
Interest Income on Loans & Leases Average Net Interest Margin
375
425
400
450
475
$500
2.5%
3.0%
3.5%
4.0%
2013 2016 2010 2012 2011 2015 2014
3.59%
3.20%
3.38%
3.06%
2.98%
3.80%
404.3
386.6
397.6
386.8
396.9
431.2425.6
Interest Income & Margin
U.S. Commercial Banks (2010–2016) — Banks With Assets $1B Plus ($ = billions)
86% ( 43)
The percentage (and
number) of Monitor Top
Bank 50 participants that
reported portfolio growth in
2016. The total increase of
$31.4 billion was partially
offset by a combined $12.9
billion of contraction.
3.04%
The average net interest
margin for commercial banks
with assets of more than
$1 billion in 2016, up from
2.98% a year earlier
Source: FDIC
Data Source: FDIC
Data Source: FDIC
