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The Baldwin State Bank, Performance and Condition Ratios

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2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7888%	4,191
Cost of funding earning assets	1.3249%	2,442
Net interest margin	2.4640%	4,127
Noninterest income to average assets	0.4000%	2,503
Noninterest expense to average assets	2.2419%	3,001
Loan and lease loss provision to assets	0.0000%	3,179
Net operating income to assets	0.4770%	3,719
Return on assets (ROA)	0.4800%	3,709
Pretax return on assets	0.5005%	3,807
Return on Equity (ROE)	5.3900%	3,651
Retained earnings to average equity (ytd only)	2.9741%	3,277
Net charge-offs to loans	0.2684%	399
Credit loss provision to net charge-offs	0.0000%	2,397
Earnings coverage of net charge-offs (x)	3.7891%	2,627
Efficiency ratio	81.8420%	783
Assets per employee ($millions)	6.5545%	2,382
Cash dividends to net income (ytd only)*	44.8718%	1,859
Condition Ratios (%)
Loss allowance to loans	1.3460%	1,590
Loan loss allowance to noncurrent loans	110.7692%	3,152
Noncurrent assets plus other real estate owned to assets	0.5950%	928
Noncurrent loans to loans	1.2151%	585
Net loans and leases to total assets	48.3100%	3,710
Net loans and leases to deposits	54.3937%	3,770
Net loans and leases to core deposits	55.5970%	3,930
Total domestic deposits to total assets	88.8100%	1,119
Equity capital to assets	9.4083%	2,416
Core capital (leverage) ratio	10.4182%	2,417
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,896
Memoranda:
Average total assets	$97,507,600	3,851
Average earning assets	$92,614,000	3,815
Average equity	$8,674,800	3,859
Average total loans	$47,690,600	3,873
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6806%	4,230
Cost of funding earning assets	1.2143%	2,386
Net interest margin	2.4662%	4,176
Noninterest income to average assets	0.4100%	2,428
Noninterest expense to average assets	2.1759%	3,142
Loan and lease loss provision to assets	0.0000%	2,992
Net operating income to assets	0.5469%	3,670
Return on assets (ROA)	0.5508%	3,647
Pretax return on assets	0.5782%	3,774
Return on Equity (ROE)	6.2800%	3,591
Retained earnings to average equity (ytd only)	3.0007%	3,510
Net charge-offs to loans	0.0224%	1,642
Credit loss provision to net charge-offs	0.0000%	2,098
Earnings coverage of net charge-offs (x)	52.3750%	1,286
Efficiency ratio	79.1231%	916
Assets per employee ($millions)	6.6773%	2,198
Cash dividends to net income (ytd only)*	52.2388%	1,167
Condition Ratios (%)
Loss allowance to loans	1.5983%	887
Loan loss allowance to noncurrent loans	90.6730%	3,292
Noncurrent assets plus other real estate owned to assets	0.8457%	654
Noncurrent loans to loans	1.7627%	376
Net loans and leases to total assets	47.2100%	3,776
Net loans and leases to deposits	52.6495%	3,854
Net loans and leases to core deposits	53.7746%	3,946
Total domestic deposits to total assets	89.6700%	1,025
Equity capital to assets	8.5963%	2,667
Core capital (leverage) ratio	10.0940%	2,734
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,911
Memoranda:
Average total assets	$97,305,250	3,865
Average earning assets	$92,338,750	3,834
Average equity	$8,531,000	3,875
Average total loans	$47,577,250	3,885
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4978%	4,349
Cost of funding earning assets	1.0531%	2,444
Net interest margin	2.4448%	4,266
Noninterest income to average assets	0.4300%	2,254
Noninterest expense to average assets	2.1815%	3,126
Loan and lease loss provision to assets	0.0000%	2,857
Net operating income to assets	0.5297%	3,747
Return on assets (ROA)	0.5355%	3,744
Pretax return on assets	0.5729%	3,845
Return on Equity (ROE)	6.0700%	3,675
Retained earnings to average equity (ytd only)	1.1288%	3,890
Net charge-offs to loans	0.0337%	1,220
Credit loss provision to net charge-offs	0.0000%	1,862
Earnings coverage of net charge-offs (x)	34.1250%	1,487
Efficiency ratio	79.3807%	880
Assets per employee ($millions)	6.4937%	2,295
Cash dividends to net income (ytd only)*	81.3953%	528
Condition Ratios (%)
Loss allowance to loans	1.5737%	988
Loan loss allowance to noncurrent loans	93.7576%	3,316
Noncurrent assets plus other real estate owned to assets	0.8388%	600
Noncurrent loans to loans	1.6785%	372
Net loans and leases to total assets	49.1800%	3,607
Net loans and leases to deposits	54.9750%	3,699
Net loans and leases to core deposits	56.0190%	3,815
Total domestic deposits to total assets	89.4700%	1,088
Equity capital to assets	8.7757%	2,674
Core capital (leverage) ratio	10.5936%	2,226
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,936
Memoranda:
Average total assets	$96,354,000	3,881
Average earning assets	$91,542,667	3,850
Average equity	$8,504,667	3,902
Average total loans	$47,419,000	3,894
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4206%	4,356
Cost of funding earning assets	0.9736%	2,140
Net interest margin	2.4470%	4,350
Noninterest income to average assets	0.4000%	2,397
Noninterest expense to average assets	2.1455%	3,265
Loan and lease loss provision to assets	0.0000%	2,553
Net operating income to assets	0.5438%	3,801
Return on assets (ROA)	0.5593%	3,739
Pretax return on assets	0.6011%	3,836
Return on Equity (ROE)	6.3200%	3,652
Retained earnings to average equity (ytd only)	-3.5836%	4,271
Net charge-offs to loans	-0.0342%	4,257
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	78.5933%	948
Assets per employee ($millions)	6.1356%	2,648
Cash dividends to net income (ytd only)*	156.7164%	226
Condition Ratios (%)
Loss allowance to loans	1.6869%	838
Loan loss allowance to noncurrent loans	87.0536%	3,432
Noncurrent assets plus other real estate owned to assets	0.9736%	428
Noncurrent loans to loans	1.9377%	298
Net loans and leases to total assets	49.3900%	3,536
Net loans and leases to deposits	55.6072%	3,589
Net loans and leases to core deposits	56.7271%	3,706
Total domestic deposits to total assets	88.8300%	1,603
Equity capital to assets	9.3368%	2,269
Core capital (leverage) ratio	10.1726%	2,524
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,020
Memoranda:
Average total assets	$95,828,500	3,942
Average earning assets	$91,212,000	3,904
Average equity	$8,483,000	3,954
Average total loans	$46,791,500	3,949
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9299%	4,213
Cost of funding earning assets	0.5065%	1,342
Net interest margin	2.4235%	4,347
Noninterest income to average assets	0.5600%	1,824
Noninterest expense to average assets	2.0427%	3,460
Loan and lease loss provision to assets	0.2400%	394
Net operating income to assets	0.5486%	3,991
Return on assets (ROA)	0.5486%	3,956
Pretax return on assets	0.5838%	4,057
Return on Equity (ROE)	6.2400%	3,780
Retained earnings to average equity (ytd only)	4.2087%	3,326
Net charge-offs to loans	0.0376%	1,344
Credit loss provision to net charge-offs	1,316.6667%	358
Earnings coverage of net charge-offs (x)	45.4444%	1,429
Efficiency ratio	71.3083%	1,524
Assets per employee ($millions)	6.6415%	2,228
Cash dividends to net income (ytd only)*	32.6007%	2,302
Condition Ratios (%)
Loss allowance to loans	1.6370%	905
Loan loss allowance to noncurrent loans	85.6354%	3,426
Noncurrent assets plus other real estate owned to assets	0.9084%	489
Noncurrent loans to loans	1.9116%	298
Net loans and leases to total assets	46.7400%	3,752
Net loans and leases to deposits	51.9900%	3,801
Net loans and leases to core deposits	52.9441%	3,870
Total domestic deposits to total assets	89.9100%	1,404
Equity capital to assets	8.4047%	2,771
Core capital (leverage) ratio	9.8976%	2,733
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,055
Memoranda:
Average total assets	$99,526,600	3,933
Average earning assets	$94,575,800	3,891
Average equity	$8,743,800	4,017
Average total loans	$47,905,000	3,925
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.8078%	4,185
Cost of funding earning assets	0.4180%	1,171
Net interest margin	2.3898%	4,338
Noninterest income to average assets	0.6300%	1,585
Noninterest expense to average assets	1.9242%	3,689
Loan and lease loss provision to assets	0.0100%	2,534
Net operating income to assets	0.9206%	2,790
Return on assets (ROA)	0.9206%	2,759
Pretax return on assets	0.9634%	3,127
Return on Equity (ROE)	10.3700%	2,619
Retained earnings to average equity (ytd only)	7.6499%	2,133
Net charge-offs to loans	0.0583%	896
Credit loss provision to net charge-offs	47.6190%	1,531
Earnings coverage of net charge-offs (x)	34.7143%	1,448
Efficiency ratio	66.3279%	2,236
Assets per employee ($millions)	6.6311%	2,215
Cash dividends to net income (ytd only)*	26.2009%	2,206
Condition Ratios (%)
Loss allowance to loans	1.1577%	2,759
Loan loss allowance to noncurrent loans	60.1105%	3,700
Noncurrent assets plus other real estate owned to assets	0.9099%	519
Noncurrent loans to loans	1.9260%	315
Net loans and leases to total assets	46.6900%	3,721
Net loans and leases to deposits	51.8869%	3,739
Net loans and leases to core deposits	53.4551%	3,779
Total domestic deposits to total assets	89.9900%	1,669
Equity capital to assets	8.3214%	2,663
Core capital (leverage) ratio	9.8067%	2,754
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,120
Memoranda:
Average total assets	$99,502,500	3,959
Average earning assets	$94,733,750	3,914
Average equity	$8,836,500	4,054
Average total loans	$48,045,500	3,945
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.6879%	4,158
Cost of funding earning assets	0.3181%	1,543
Net interest margin	2.3698%	4,260
Noninterest income to average assets	0.7155%	1,273
Noninterest expense to average assets	1.8630%	3,802
Loan and lease loss provision to assets	0.0201%	2,241
Net operating income to assets	1.0390%	2,022
Return on assets (ROA)	1.0390%	1,993
Pretax return on assets	1.0933%	2,434
Return on Equity (ROE)	11.4596%	1,843
Retained earnings to average equity (ytd only)	7.4698%	1,827
Net charge-offs to loans	0.0744%	715
Credit loss provision to net charge-offs	55.5556%	1,471
Earnings coverage of net charge-offs (x)	30.7778%	1,376
Efficiency ratio	62.5928%	2,969
Assets per employee ($millions)	6.2879%	2,489
Cash dividends to net income (ytd only)*	34.8162%	1,925
Condition Ratios (%)
Loss allowance to loans	1.1293%	3,041
Loan loss allowance to noncurrent loans	186.1017%	2,769
Noncurrent assets plus other real estate owned to assets	0.2932%	1,830
Noncurrent loans to loans	0.6068%	1,395
Net loans and leases to total assets	47.7745%	3,570
Net loans and leases to deposits	53.3026%	3,586
Net loans and leases to core deposits	55.0801%	3,639
Total domestic deposits to total assets	89.6288%	1,886
Equity capital to assets	8.7013%	2,613
Core capital (leverage) ratio	9.7160%	2,704
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$99,514,667	3,997
Average earning assets	$94,943,667	3,961
Average equity	$9,023,000	4,101
Average total loans	$48,397,667	3,986
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.5554%	4,191
Cost of funding earning assets	0.2949%	1,699
Net interest margin	2.2606%	4,287
Noninterest income to average assets	0.3435%	3,038
Noninterest expense to average assets	1.9804%	3,479
Loan and lease loss provision to assets	0.0404%	1,629
Net operating income to assets	0.4608%	3,812
Return on assets (ROA)	0.4608%	3,775
Pretax return on assets	0.4608%	3,933
Return on Equity (ROE)	4.9795%	3,631
Retained earnings to average equity (ytd only)	-2.8829%	4,303
Net charge-offs to loans	0.0828%	588
Credit loss provision to net charge-offs	100.0000%	1,010
Earnings coverage of net charge-offs (x)	12.4000%	1,413
Efficiency ratio	79.8046%	1,167
Assets per employee ($millions)	7.2004%	1,859
Cash dividends to net income (ytd only)*	157.8947%	293
Condition Ratios (%)
Loss allowance to loans	1.1516%	3,090
Loan loss allowance to noncurrent loans	150.5405%	2,966
Noncurrent assets plus other real estate owned to assets	0.3680%	1,641
Noncurrent loans to loans	0.7650%	1,248
Net loans and leases to total assets	47.4277%	3,445
Net loans and leases to deposits	52.8568%	3,503
Net loans and leases to core deposits	53.9927%	3,591
Total domestic deposits to total assets	89.7288%	1,704
Equity capital to assets	8.6225%	3,055
Core capital (leverage) ratio	9.2151%	3,126
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$98,969,000	4,016
Average earning assets	$93,605,000	3,991
Average equity	$9,157,500	4,143
Average total loans	$48,290,000	4,000
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.8746%	4,097
Cost of funding earning assets	0.3371%	2,051
Net interest margin	2.5375%	4,141
Noninterest income to average assets	0.4078%	3,007
Noninterest expense to average assets	2.1234%	3,326
Loan and lease loss provision to assets	0.0991%	1,259
Net operating income to assets	0.5636%	3,950
Return on assets (ROA)	0.5636%	3,998
Pretax return on assets	0.5863%	4,130
Return on Equity (ROE)	5.6704%	3,849
Retained earnings to average equity (ytd only)	3.4271%	3,439
Net charge-offs to loans	0.2092%	453
Credit loss provision to net charge-offs	95.0495%	1,851
Earnings coverage of net charge-offs (x)	6.5743%	2,389
Efficiency ratio	75.5972%	1,141
Assets per employee ($millions)	6.0708%	2,693
Cash dividends to net income (ytd only)*	39.5604%	2,054
Condition Ratios (%)
Loss allowance to loans	1.1532%	3,113
Loan loss allowance to noncurrent loans	178.7781%	2,755
Noncurrent assets plus other real estate owned to assets	0.3202%	1,958
Noncurrent loans to loans	0.6451%	1,546
Net loans and leases to total assets	49.0642%	3,398
Net loans and leases to deposits	55.5203%	3,466
Net loans and leases to core deposits	57.4686%	3,519
Total domestic deposits to total assets	88.3715%	1,844
Equity capital to assets	9.9071%	2,745
Core capital (leverage) ratio	9.2168%	3,143
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$96,871,400	4,026
Average earning assets	$91,663,600	3,996
Average equity	$9,629,000	4,178
Average total loans	$48,281,000	4,033
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9438%	4,096
Cost of funding earning assets	0.3458%	2,160
Net interest margin	2.5980%	4,132
Noninterest income to average assets	0.4325%	2,916
Noninterest expense to average assets	2.0466%	3,535
Loan and lease loss provision to assets	0.1198%	986
Net operating income to assets	0.6997%	3,767
Return on assets (ROA)	0.6997%	3,833
Pretax return on assets	0.7286%	4,016
Return on Equity (ROE)	7.0330%	3,658
Retained earnings to average equity (ytd only)	4.0426%	3,568
Net charge-offs to loans	0.2788%	290
Credit loss provision to net charge-offs	86.1386%	1,684
Earnings coverage of net charge-offs (x)	6.0990%	2,194
Efficiency ratio	70.6946%	1,529
Assets per employee ($millions)	6.3126%	2,410
Cash dividends to net income (ytd only)*	42.5197%	1,504
Condition Ratios (%)
Loss allowance to loans	1.1254%	3,314
Loan loss allowance to noncurrent loans	122.0982%	3,175
Noncurrent assets plus other real estate owned to assets	0.4436%	1,704
Noncurrent loans to loans	0.9217%	1,247
Net loans and leases to total assets	47.5802%	3,664
Net loans and leases to deposits	53.6500%	3,770
Net loans and leases to core deposits	55.6112%	3,803
Total domestic deposits to total assets	88.6864%	1,469
Equity capital to assets	9.6572%	3,240
Core capital (leverage) ratio	9.4864%	3,032
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$96,806,250	4,071
Average earning assets	$91,761,500	4,044
Average equity	$9,630,500	4,234
Average total loans	$48,298,000	4,083
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1488%	3,771
Cost of funding earning assets	0.3676%	2,157
Net interest margin	2.7812%	3,824
Noninterest income to average assets	0.3983%	3,114
Noninterest expense to average assets	2.0397%	3,578
Loan and lease loss provision to assets	0.0608%	1,823
Net operating income to assets	0.8993%	3,222
Return on assets (ROA)	0.8993%	3,302
Pretax return on assets	0.9307%	3,596
Return on Equity (ROE)	8.9474%	3,109
Retained earnings to average equity (ytd only)	4.4424%	3,382
Net charge-offs to loans	0.4108%	202
Credit loss provision to net charge-offs	29.2929%	1,705
Earnings coverage of net charge-offs (x)	4.7778%	2,017
Efficiency ratio	67.2891%	1,970
Assets per employee ($millions)	6.5005%	2,170
Cash dividends to net income (ytd only)*	50.3497%	1,221
Condition Ratios (%)
Loss allowance to loans	1.0031%	3,810
Loan loss allowance to noncurrent loans	139.4886%	2,963
Noncurrent assets plus other real estate owned to assets	0.3610%	2,159
Noncurrent loans to loans	0.7191%	1,642
Net loans and leases to total assets	49.6959%	3,583
Net loans and leases to deposits	55.6318%	3,737
Net loans and leases to core deposits	57.7165%	3,779
Total domestic deposits to total assets	89.3300%	1,123
Equity capital to assets	9.9613%	2,886
Core capital (leverage) ratio	9.6106%	2,801
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$95,407,667	4,116
Average earning assets	$90,319,333	4,085
Average equity	$9,589,333	4,253
Average total loans	$48,196,000	4,115
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0731%	3,941
Cost of funding earning assets	0.4022%	2,076
Net interest margin	2.6709%	4,024
Noninterest income to average assets	0.3985%	3,094
Noninterest expense to average assets	2.2128%	3,068
Loan and lease loss provision to assets	0.0000%	2,741
Net operating income to assets	0.6910%	3,729
Return on assets (ROA)	0.6910%	3,796
Pretax return on assets	0.6910%	4,038
Return on Equity (ROE)	6.8433%	3,643
Retained earnings to average equity (ytd only)	-2.2251%	4,554
Net charge-offs to loans	0.0167%	1,411
Credit loss provision to net charge-offs	0.0000%	1,471
Earnings coverage of net charge-offs (x)	81.5000%	695
Efficiency ratio	76.2044%	1,116
Assets per employee ($millions)	6.0848%	2,515
Cash dividends to net income (ytd only)*	132.5153%	279
Condition Ratios (%)
Loss allowance to loans	1.1606%	3,145
Loan loss allowance to noncurrent loans	61.8363%	3,823
Noncurrent assets plus other real estate owned to assets	0.9347%	902
Noncurrent loans to loans	1.8769%	601
Net loans and leases to total assets	48.8989%	3,720
Net loans and leases to deposits	54.5965%	3,900
Net loans and leases to core deposits	56.6381%	3,932
Total domestic deposits to total assets	89.5641%	1,043
Equity capital to assets	9.6984%	3,001
Core capital (leverage) ratio	9.9358%	2,599
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$94,358,000	4,137
Average earning assets	$88,511,000	4,117
Average equity	$9,527,500	4,270
Average total loans	$47,820,000	4,143
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3755%	4,230
Cost of funding earning assets	0.5005%	2,941
Net interest margin	2.8750%	4,152
Noninterest income to average assets	0.4439%	2,896
Noninterest expense to average assets	2.1978%	3,669
Loan and lease loss provision to assets	0.0767%	3,422
Net operating income to assets	0.8535%	2,888
Return on assets (ROA)	0.8535%	3,026
Pretax return on assets	0.8901%	3,392
Return on Equity (ROE)	8.0718%	2,787
Retained earnings to average equity (ytd only)	5.7996%	1,902
Net charge-offs to loans	0.0115%	2,917
Credit loss provision to net charge-offs	1,340.0000%	625
Earnings coverage of net charge-offs (x)	169.0000%	521
Efficiency ratio	69.4505%	2,028
Assets per employee ($millions)	6.0907%	2,261
Cash dividends to net income (ytd only)*	28.1501%	2,929
Condition Ratios (%)
Loss allowance to loans	1.1817%	3,045
Loan loss allowance to noncurrent loans	138.8614%	2,901
Noncurrent assets plus other real estate owned to assets	0.4422%	2,257
Noncurrent loans to loans	0.8510%	1,660
Net loans and leases to total assets	51.3507%	3,718
Net loans and leases to deposits	57.9149%	3,895
Net loans and leases to core deposits	60.2497%	3,931
Total domestic deposits to total assets	88.6657%	1,134
Equity capital to assets	10.5221%	2,654
Core capital (leverage) ratio	9.6555%	2,955
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$87,404,000	4,150
Average earning assets	$82,714,200	4,123
Average equity	$9,242,000	4,280
Average total loans	$43,652,200	4,238
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5009%	4,212
Cost of funding earning assets	0.5294%	3,053
Net interest margin	2.9716%	4,043
Noninterest income to average assets	0.4521%	2,840
Noninterest expense to average assets	2.0999%	3,945
Loan and lease loss provision to assets	0.0405%	3,843
Net operating income to assets	1.1047%	1,968
Return on assets (ROA)	1.1047%	2,092
Pretax return on assets	1.1356%	2,622
Return on Equity (ROE)	10.4341%	1,862
Retained earnings to average equity (ytd only)	7.3738%	1,552
Net charge-offs to loans	0.0219%	2,416
Credit loss provision to net charge-offs	371.4286%	1,544
Earnings coverage of net charge-offs (x)	108.8571%	748
Efficiency ratio	64.1074%	2,713
Assets per employee ($millions)	5.5078%	2,704
Cash dividends to net income (ytd only)*	29.3296%	2,401
Condition Ratios (%)
Loss allowance to loans	1.1104%	3,151
Loan loss allowance to noncurrent loans	161.5625%	2,572
Noncurrent assets plus other real estate owned to assets	0.3631%	2,695
Noncurrent loans to loans	0.6873%	2,071
Net loans and leases to total assets	52.2485%	3,952
Net loans and leases to deposits	59.1993%	4,111
Net loans and leases to core deposits	60.9854%	4,156
Total domestic deposits to total assets	88.2587%	1,084
Equity capital to assets	10.9084%	2,472
Core capital (leverage) ratio	10.0885%	2,638
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$86,415,000	4,168
Average earning assets	$82,109,750	4,132
Average equity	$9,149,250	4,309
Average total loans	$42,696,500	4,285
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6796%	4,127
Cost of funding earning assets	0.5712%	3,121
Net interest margin	3.1085%	3,886
Noninterest income to average assets	0.4683%	2,722
Noninterest expense to average assets	2.1154%	3,994
Loan and lease loss provision to assets	0.0233%	3,956
Net operating income to assets	1.2371%	1,523
Return on assets (ROA)	1.2371%	1,642
Pretax return on assets	1.2837%	2,091
Return on Equity (ROE)	11.8070%	1,380
Retained earnings to average equity (ytd only)	7.1376%	1,601
Net charge-offs to loans	0.0290%	2,140
Credit loss provision to net charge-offs	166.6667%	2,046
Earnings coverage of net charge-offs (x)	93.5000%	725
Efficiency ratio	61.8108%	3,155
Assets per employee ($millions)	5.7633%	2,405
Cash dividends to net income (ytd only)*	39.5480%	1,960
Condition Ratios (%)
Loss allowance to loans	1.1108%	2,994
Loan loss allowance to noncurrent loans	165.6766%	2,433
Noncurrent assets plus other real estate owned to assets	0.3286%	2,994
Noncurrent loans to loans	0.6705%	2,189
Net loans and leases to total assets	48.4655%	4,235
Net loans and leases to deposits	54.4673%	4,360
Net loans and leases to core deposits	56.0206%	4,432
Total domestic deposits to total assets	88.9808%	752
Equity capital to assets	10.2015%	3,019
Core capital (leverage) ratio	9.9274%	2,901
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$85,845,000	4,181
Average earning assets	$81,584,000	4,147
Average equity	$8,994,667	4,339
Average total loans	$41,408,333	4,327
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6044%	4,517
Cost of funding earning assets	0.7045%	2,914
Net interest margin	2.8999%	4,431
Noninterest income to average assets	0.5662%	2,201
Noninterest expense to average assets	2.2985%	3,775
Loan and lease loss provision to assets	0.0484%	3,173
Net operating income to assets	0.9678%	2,290
Return on assets (ROA)	0.9678%	2,394
Pretax return on assets	0.9678%	2,943
Return on Equity (ROE)	9.1028%	2,072
Retained earnings to average equity (ytd only)	-0.4551%	4,065
Net charge-offs to loans	0.0101%	2,214
Credit loss provision to net charge-offs	1,000.0000%	564
Earnings coverage of net charge-offs (x)	210.0000%	333
Efficiency ratio	69.3431%	2,457
Assets per employee ($millions)	5.1987%	2,426
Cash dividends to net income (ytd only)*	105.0000%	712
Condition Ratios (%)
Loss allowance to loans	1.2830%	2,225
Loan loss allowance to noncurrent loans	147.6608%	2,574
Noncurrent assets plus other real estate owned to assets	0.4112%	2,813
Noncurrent loans to loans	0.8689%	1,875
Net loans and leases to total assets	46.7125%	4,392
Net loans and leases to deposits	52.7964%	4,494
Net loans and leases to core deposits	54.6791%	4,543
Total domestic deposits to total assets	88.4767%	894
Equity capital to assets	10.6241%	3,210
Core capital (leverage) ratio	10.5508%	2,895
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	26.5544%	371
Memoranda:
Average total assets	$82,661,500	4,229
Average earning assets	$78,348,000	4,199
Average equity	$8,788,500	4,388
Average total loans	$39,516,000	4,385
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6727%	4,706
Cost of funding earning assets	0.8159%	2,608
Net interest margin	2.8568%	4,705
Noninterest income to average assets	0.5715%	2,363
Noninterest expense to average assets	2.4190%	3,636
Loan and lease loss provision to assets	0.3058%	544
Net operating income to assets	0.5477%	4,294
Return on assets (ROA)	0.5477%	4,354
Pretax return on assets	0.5590%	4,475
Return on Equity (ROE)	5.1919%	4,162
Retained earnings to average equity (ytd only)	2.3405%	3,854
Net charge-offs to loans	1.0868%	145
Credit loss provision to net charge-offs	60.3960%	3,031
Earnings coverage of net charge-offs (x)	1.7079%	3,504
Efficiency ratio	73.6641%	1,646
Assets per employee ($millions)	5.1340%	2,414
Cash dividends to net income (ytd only)*	54.9199%	1,803
Condition Ratios (%)
Loss allowance to loans	1.2553%	2,141
Loan loss allowance to noncurrent loans	79.5527%	3,599
Noncurrent assets plus other real estate owned to assets	0.7621%	1,699
Noncurrent loans to loans	1.5779%	892
Net loans and leases to total assets	47.6894%	4,444
Net loans and leases to deposits	53.9238%	4,536
Net loans and leases to core deposits	55.6544%	4,598
Total domestic deposits to total assets	88.4386%	918
Equity capital to assets	10.6399%	3,319
Core capital (leverage) ratio	10.7244%	2,738
Tier 1 risk-based capital ratio	24.3601%	800
Total risk-based capital ratio	25.6116%	781
Memoranda:
Average total assets	$79,784,600	4,290
Average earning assets	$75,748,400	4,258
Average equity	$8,417,000	4,458
Average total loans	$37,173,600	4,474
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6878%	4,794
Cost of funding earning assets	0.8510%	2,463
Net interest margin	2.8368%	4,825
Noninterest income to average assets	0.5775%	2,322
Noninterest expense to average assets	2.3402%	3,851
Loan and lease loss provision to assets	0.4108%	321
Net operating income to assets	0.5084%	4,499
Return on assets (ROA)	0.5084%	4,547
Pretax return on assets	0.5202%	4,671
Return on Equity (ROE)	4.8302%	4,371
Retained earnings to average equity (ytd only)	0.9916%	4,571
Net charge-offs to loans	1.4774%	89
Credit loss provision to net charge-offs	60.2469%	2,705
Earnings coverage of net charge-offs (x)	1.3654%	3,301
Efficiency ratio	71.5389%	1,896
Assets per employee ($millions)	4.8813%	2,686
Cash dividends to net income (ytd only)*	79.4690%	679
Condition Ratios (%)
Loss allowance to loans	1.3554%	1,739
Loan loss allowance to noncurrent loans	68.0764%	3,856
Noncurrent assets plus other real estate owned to assets	0.9385%	1,439
Noncurrent loans to loans	1.9910%	679
Net loans and leases to total assets	46.5006%	4,579
Net loans and leases to deposits	52.8332%	4,678
Net loans and leases to core deposits	55.4610%	4,705
Total domestic deposits to total assets	88.0141%	1,031
Equity capital to assets	11.0179%	3,089
Core capital (leverage) ratio	10.8845%	2,753
Tier 1 risk-based capital ratio	26.8632%	655
Total risk-based capital ratio	28.1183%	639
Memoranda:
Average total assets	$79,194,750	4,359
Average earning assets	$75,201,250	4,320
Average equity	$8,336,250	4,519
Average total loans	$36,549,000	4,547
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6476%	4,884
Cost of funding earning assets	0.8820%	2,232
Net interest margin	2.7656%	4,953
Noninterest income to average assets	0.5832%	2,231
Noninterest expense to average assets	2.3781%	3,794
Loan and lease loss provision to assets	0.0855%	2,137
Net operating income to assets	0.7139%	3,956
Return on assets (ROA)	0.7139%	4,015
Pretax return on assets	0.7366%	4,245
Return on Equity (ROE)	6.8876%	3,720
Retained earnings to average equity (ytd only)	1.0671%	4,416
Net charge-offs to loans	0.7296%	199
Credit loss provision to net charge-offs	25.5639%	2,624
Earnings coverage of net charge-offs (x)	2.4586%	2,942
Efficiency ratio	74.3126%	1,607
Assets per employee ($millions)	4.9934%	2,486
Cash dividends to net income (ytd only)*	84.5070%	727
Condition Ratios (%)
Loss allowance to loans	1.4919%	1,301
Loan loss allowance to noncurrent loans	51.3315%	4,163
Noncurrent assets plus other real estate owned to assets	1.3630%	891
Noncurrent loans to loans	2.9065%	360
Net loans and leases to total assets	46.1969%	4,638
Net loans and leases to deposits	52.3020%	4,729
Net loans and leases to core deposits	54.8327%	4,754
Total domestic deposits to total assets	88.3272%	954
Equity capital to assets	10.7128%	3,335
Core capital (leverage) ratio	10.7667%	2,821
Tier 1 risk-based capital ratio	25.0502%	751
Total risk-based capital ratio	26.3058%	735
Memoranda:
Average total assets	$79,559,670	4,379
Average earning assets	$75,282,670	4,349
Average equity	$8,246,670	4,550
Average total loans	$36,460,000	4,581
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6059%	4,965
Cost of funding earning assets	0.9402%	1,833
Net interest margin	2.6657%	5,090
Noninterest income to average assets	0.5542%	2,265
Noninterest expense to average assets	2.5040%	3,497
Loan and lease loss provision to assets	0.0151%	3,238
Net operating income to assets	0.5693%	4,339
Return on assets (ROA)	0.5693%	4,365
Pretax return on assets	0.5492%	4,597
Return on Equity (ROE)	5.5868%	4,161
Retained earnings to average equity (ytd only)	-6.2790%	4,985
Net charge-offs to loans	1.4907%	80
Credit loss provision to net charge-offs	2.2388%	2,207
Earnings coverage of net charge-offs (x)	0.8358%	2,642
Efficiency ratio	81.6092%	911
Assets per employee ($millions)	4.9897%	2,533
Cash dividends to net income (ytd only)*	212.3894%	166
Condition Ratios (%)
Loss allowance to loans	1.5069%	1,317
Loan loss allowance to noncurrent loans	46.7257%	4,321
Noncurrent assets plus other real estate owned to assets	1.4154%	875
Noncurrent loans to loans	3.2251%	312
Net loans and leases to total assets	43.2267%	4,774
Net loans and leases to deposits	48.6817%	4,864
Net loans and leases to core deposits	51.0541%	4,859
Total domestic deposits to total assets	88.7944%	960
Equity capital to assets	10.2374%	3,586
Core capital (leverage) ratio	10.1838%	3,408
Tier 1 risk-based capital ratio	24.8575%	767
Total risk-based capital ratio	26.1116%	758
Memoranda:
Average total assets	$79,392,000	4,423
Average earning assets	$74,877,500	4,393
Average equity	$8,090,500	4,609
Average total loans	$35,956,000	4,640
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4445%	4,971
Cost of funding earning assets	0.6082%	2,659
Net interest margin	2.8362%	4,987
Noninterest income to average assets	0.5888%	2,356
Noninterest expense to average assets	2.4189%	3,834
Loan and lease loss provision to assets	0.0117%	3,903
Net operating income to assets	0.8215%	3,725
Return on assets (ROA)	0.8215%	3,726
Pretax return on assets	0.8553%	4,026
Return on Equity (ROE)	8.1709%	3,365
Retained earnings to average equity (ytd only)	5.4559%	2,503
Net charge-offs to loans	-0.0600%	5,027
Credit loss provision to net charge-offs	-42.8571%	4,320
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	73.6155%	1,681
Assets per employee ($millions)	4.9343%	2,580
Cash dividends to net income (ytd only)*	33.2278%	2,893
Condition Ratios (%)
Loss allowance to loans	1.7872%	698
Loan loss allowance to noncurrent loans	147.4273%	2,743
Noncurrent assets plus other real estate owned to assets	0.5662%	2,343
Noncurrent loans to loans	1.2122%	1,319
Net loans and leases to total assets	45.8714%	4,743
Net loans and leases to deposits	51.6472%	4,831
Net loans and leases to core deposits	55.3704%	4,799
Total domestic deposits to total assets	88.8168%	941
Equity capital to assets	10.1433%	3,531
Core capital (leverage) ratio	10.9077%	2,618
Tier 1 risk-based capital ratio	25.4188%	717
Total risk-based capital ratio	26.6767%	702
Memoranda:
Average total assets	$76,936,200	4,486
Average earning assets	$73,160,800	4,436
Average equity	$7,734,800	4,642
Average total loans	$34,997,000	4,684
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4027%	5,033
Cost of funding earning assets	0.5573%	2,809
Net interest margin	2.8454%	5,040
Noninterest income to average assets	0.5983%	2,318
Noninterest expense to average assets	2.3637%	3,939
Loan and lease loss provision to assets	0.0157%	3,700
Net operating income to assets	0.8862%	3,596
Return on assets (ROA)	0.8862%	3,597
Pretax return on assets	0.9263%	3,932
Return on Equity (ROE)	8.8348%	3,165
Retained earnings to average equity (ytd only)	5.2174%	3,109
Net charge-offs to loans	-0.0657%	5,033
Credit loss provision to net charge-offs	-52.9412%	4,167
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	71.5040%	1,960
Assets per employee ($millions)	4.7107%	2,833
Cash dividends to net income (ytd only)*	40.9452%	2,015
Condition Ratios (%)
Loss allowance to loans	1.8587%	648
Loan loss allowance to noncurrent loans	77.8173%	3,864
Noncurrent assets plus other real estate owned to assets	1.1185%	1,276
Noncurrent loans to loans	2.3886%	565
Net loans and leases to total assets	45.9553%	4,805
Net loans and leases to deposits	51.7743%	4,891
Net loans and leases to core deposits	55.2865%	4,863
Total domestic deposits to total assets	88.7609%	929
Equity capital to assets	10.1856%	3,469
Core capital (leverage) ratio	10.7816%	2,815
Tier 1 risk-based capital ratio	25.9145%	686
Total risk-based capital ratio	27.1754%	673
Memoranda:
Average total assets	$76,433,000	4,537
Average earning assets	$72,724,250	4,489
Average equity	$7,666,500	4,701
Average total loans	$34,527,750	4,750
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3166%	5,126
Cost of funding earning assets	0.5149%	2,897
Net interest margin	2.8017%	5,116
Noninterest income to average assets	0.6147%	2,246
Noninterest expense to average assets	2.3259%	4,090
Loan and lease loss provision to assets	0.0234%	3,450
Net operating income to assets	0.9012%	3,448
Return on assets (ROA)	0.9012%	3,455
Pretax return on assets	0.9298%	3,873
Return on Equity (ROE)	9.0304%	3,002
Retained earnings to average equity (ytd only)	3.6017%	3,795
Net charge-offs to loans	-0.0817%	5,092
Credit loss provision to net charge-offs	-64.2857%	4,036
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.9293%	2,174
Assets per employee ($millions)	4.8602%	2,604
Cash dividends to net income (ytd only)*	60.1156%	1,310
Condition Ratios (%)
Loss allowance to loans	1.7958%	757
Loan loss allowance to noncurrent loans	86.8351%	3,718
Noncurrent assets plus other real estate owned to assets	0.9670%	1,561
Noncurrent loans to loans	2.0681%	708
Net loans and leases to total assets	45.9203%	4,830
Net loans and leases to deposits	51.4910%	4,929
Net loans and leases to core deposits	51.6773%	5,003
Total domestic deposits to total assets	89.1812%	858
Equity capital to assets	9.8067%	3,818
Core capital (leverage) ratio	10.5906%	2,933
Tier 1 risk-based capital ratio	24.7977%	752
Total risk-based capital ratio	26.0558%	732
Memoranda:
Average total assets	$76,787,000	4,574
Average earning assets	$73,026,330	4,527
Average equity	$7,663,000	4,757
Average total loans	$34,272,670	4,804
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2207%	5,214
Cost of funding earning assets	0.4220%	3,430
Net interest margin	2.7987%	5,159
Noninterest income to average assets	0.6291%	2,135
Noninterest expense to average assets	2.5007%	3,638
Loan and lease loss provision to assets	0.0000%	3,508
Net operating income to assets	0.7707%	3,827
Return on assets (ROA)	0.7707%	3,826
Pretax return on assets	0.7707%	4,219
Return on Equity (ROE)	7.6548%	3,522
Retained earnings to average equity (ytd only)	-3.1765%	5,093
Net charge-offs to loans	-0.1685%	5,340
Credit loss provision to net charge-offs	0.0000%	2,201
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.4423%	1,533
Assets per employee ($millions)	4.7947%	2,744
Cash dividends to net income (ytd only)*	141.4966%	334
Condition Ratios (%)
Loss allowance to loans	1.9299%	628
Loan loss allowance to noncurrent loans	68.2927%	4,055
Noncurrent assets plus other real estate owned to assets	1.2292%	1,228
Noncurrent loans to loans	2.8259%	442
Net loans and leases to total assets	42.6592%	4,952
Net loans and leases to deposits	47.8443%	5,044
Net loans and leases to core deposits	47.8443%	5,104
Total domestic deposits to total assets	89.1625%	1,021
Equity capital to assets	9.8129%	3,780
Core capital (leverage) ratio	10.5033%	2,935
Tier 1 risk-based capital ratio	25.6891%	708
Total risk-based capital ratio	26.9473%	691
Memoranda:
Average total assets	$76,299,000	4,634
Average earning assets	$72,033,500	4,594
Average equity	$7,681,500	4,798
Average total loans	$33,228,000	4,883
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0966%	5,294
Cost of funding earning assets	0.3509%	3,710
Net interest margin	2.7457%	5,232
Noninterest income to average assets	0.6196%	2,350
Noninterest expense to average assets	2.5244%	3,702
Loan and lease loss provision to assets	0.0000%	4,227
Net operating income to assets	0.6615%	3,776
Return on assets (ROA)	0.6615%	3,814
Pretax return on assets	0.6886%	4,538
Return on Equity (ROE)	6.2959%	3,628
Retained earnings to average equity (ytd only)	3.5921%	3,115
Net charge-offs to loans	-0.0154%	4,883
Credit loss provision to net charge-offs	0.0000%	3,708
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	78.5684%	1,275
Assets per employee ($millions)	4.7427%	2,809
Cash dividends to net income (ytd only)*	42.9448%	2,705
Condition Ratios (%)
Loss allowance to loans	1.9041%	644
Loan loss allowance to noncurrent loans	119.7719%	3,206
Noncurrent assets plus other real estate owned to assets	0.6932%	2,240
Noncurrent loans to loans	1.5898%	1,057
Net loans and leases to total assets	42.7711%	5,043
Net loans and leases to deposits	48.2617%	5,116
Net loans and leases to core deposits	48.2617%	5,185
Total domestic deposits to total assets	88.6233%	1,180
Equity capital to assets	10.3251%	3,361
Core capital (leverage) ratio	10.4546%	2,895
Tier 1 risk-based capital ratio	25.5988%	684
Total risk-based capital ratio	26.8559%	675
Memoranda:
Average total assets	$73,919,800	4,708
Average earning assets	$69,818,600	4,670
Average equity	$7,767,000	4,820
Average total loans	$32,440,800	4,953
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0730%	5,361
Cost of funding earning assets	0.3290%	3,852
Net interest margin	2.7440%	5,287
Noninterest income to average assets	0.6301%	2,313
Noninterest expense to average assets	2.4350%	3,929
Loan and lease loss provision to assets	0.0000%	4,088
Net operating income to assets	0.7517%	3,729
Return on assets (ROA)	0.7517%	3,788
Pretax return on assets	0.7844%	4,392
Return on Equity (ROE)	7.1225%	3,586
Retained earnings to average equity (ytd only)	3.5095%	3,826
Net charge-offs to loans	-0.0496%	5,159
Credit loss provision to net charge-offs	0.0000%	3,274
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	75.6345%	1,648
Assets per employee ($millions)	4.7413%	2,772
Cash dividends to net income (ytd only)*	50.7237%	1,728
Condition Ratios (%)
Loss allowance to loans	1.9452%	640
Loan loss allowance to noncurrent loans	285.2679%	1,655
Noncurrent assets plus other real estate owned to assets	0.2953%	3,886
Noncurrent loans to loans	0.6819%	2,662
Net loans and leases to total assets	42.4606%	5,097
Net loans and leases to deposits	48.0152%	5,185
Net loans and leases to core deposits	48.0152%	5,255
Total domestic deposits to total assets	88.4315%	1,161
Equity capital to assets	10.5074%	3,365
Core capital (leverage) ratio	10.6224%	2,857
Tier 1 risk-based capital ratio	25.4022%	712
Total risk-based capital ratio	26.6611%	704
Memoranda:
Average total assets	$73,429,000	4,767
Average earning assets	$69,290,250	4,730
Average equity	$7,750,000	4,871
Average total loans	$32,279,500	5,007
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0272%	5,414
Cost of funding earning assets	0.2998%	4,084
Net interest margin	2.7274%	5,335
Noninterest income to average assets	0.6665%	2,140
Noninterest expense to average assets	2.4567%	3,900
Loan and lease loss provision to assets	0.0000%	3,871
Net operating income to assets	0.7601%	3,589
Return on assets (ROA)	0.7601%	3,641
Pretax return on assets	0.7904%	4,308
Return on Equity (ROE)	7.1909%	3,458
Retained earnings to average equity (ytd only)	1.7196%	4,562
Net charge-offs to loans	-0.0374%	5,043
Credit loss provision to net charge-offs	0.0000%	2,905
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	75.6573%	1,778
Assets per employee ($millions)	4.6296%	2,894
Cash dividends to net income (ytd only)*	76.0870%	952
Condition Ratios (%)
Loss allowance to loans	1.9099%	713
Loan loss allowance to noncurrent loans	352.2222%	1,381
Noncurrent assets plus other real estate owned to assets	0.2430%	4,167
Noncurrent loans to loans	0.5423%	3,121
Net loans and leases to total assets	43.9574%	5,044
Net loans and leases to deposits	49.7799%	5,147
Net loans and leases to core deposits	49.7799%	5,232
Total domestic deposits to total assets	88.3036%	1,303
Equity capital to assets	10.6029%	3,223
Core capital (leverage) ratio	10.6942%	2,707
Tier 1 risk-based capital ratio	24.7641%	774
Total risk-based capital ratio	26.0232%	752
Memoranda:
Average total assets	$72,618,330	4,808
Average earning assets	$68,711,000	4,771
Average equity	$7,676,330	4,904
Average total loans	$32,089,330	5,038
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9722%	5,484
Cost of funding earning assets	0.2605%	4,450
Net interest margin	2.7116%	5,378
Noninterest income to average assets	0.6732%	2,074
Noninterest expense to average assets	2.4593%	3,938
Loan and lease loss provision to assets	0.0000%	3,537
Net operating income to assets	0.7345%	3,536
Return on assets (ROA)	0.7345%	3,592
Pretax return on assets	0.7623%	4,235
Return on Equity (ROE)	6.9588%	3,417
Retained earnings to average equity (ytd only)	-4.1120%	5,335
Net charge-offs to loans	-0.0888%	5,413
Credit loss provision to net charge-offs	0.0000%	2,277
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.3385%	1,860
Assets per employee ($millions)	4.5200%	3,138
Cash dividends to net income (ytd only)*	159.0909%	350
Condition Ratios (%)
Loss allowance to loans	2.0043%	665
Loan loss allowance to noncurrent loans	251.5873%	1,876
Noncurrent assets plus other real estate owned to assets	0.3485%	3,810
Noncurrent loans to loans	0.7967%	2,466
Net loans and leases to total assets	42.8623%	5,115
Net loans and leases to deposits	48.4935%	5,196
Net loans and leases to core deposits	48.4935%	5,280
Total domestic deposits to total assets	88.3877%	1,491
Equity capital to assets	10.4853%	3,201
Core capital (leverage) ratio	10.9035%	2,470
Tier 1 risk-based capital ratio	24.7493%	798
Total risk-based capital ratio	26.0116%	780
Memoranda:
Average total assets	$71,890,500	4,871
Average earning assets	$67,560,500	4,840
Average equity	$7,587,500	4,956
Average total loans	$31,536,500	5,110
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9249%	5,558
Cost of funding earning assets	0.1791%	5,227
Net interest margin	2.7458%	5,364
Noninterest income to average assets	0.6460%	2,440
Noninterest expense to average assets	2.4911%	4,041
Loan and lease loss provision to assets	0.0000%	4,332
Net operating income to assets	0.7056%	3,758
Return on assets (ROA)	0.7056%	3,871
Pretax return on assets	0.7264%	4,405
Return on Equity (ROE)	6.6968%	3,643
Retained earnings to average equity (ytd only)	4.7233%	2,533
Net charge-offs to loans	-0.0548%	5,423
Credit loss provision to net charge-offs	0.0000%	3,785
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.4235%	1,783
Assets per employee ($millions)	4.4663%	3,165
Cash dividends to net income (ytd only)*	29.4695%	3,340
Condition Ratios (%)
Loss allowance to loans	1.9942%	664
Loan loss allowance to noncurrent loans	251.8072%	1,885
Noncurrent assets plus other real estate owned to assets	0.3484%	3,887
Noncurrent loans to loans	0.7920%	2,535
Net loans and leases to total assets	43.1200%	5,167
Net loans and leases to deposits	50.5620%	5,183
Net loans and leases to core deposits	50.5620%	5,282
Total domestic deposits to total assets	85.2815%	2,930
Equity capital to assets	10.6240%	3,011
Core capital (leverage) ratio	11.0101%	2,324
Tier 1 risk-based capital ratio	24.9087%	777
Total risk-based capital ratio	26.1693%	762
Memoranda:
Average total assets	$72,138,200	4,888
Average earning assets	$67,558,800	4,855
Average equity	$7,600,600	4,993
Average total loans	$31,022,200	5,160
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.8873%	5,659
Cost of funding earning assets	0.1748%	5,307
Net interest margin	2.7125%	5,480
Noninterest income to average assets	0.6435%	2,461
Noninterest expense to average assets	2.3953%	4,292
Loan and lease loss provision to assets	0.0000%	4,186
Net operating income to assets	0.7708%	3,509
Return on assets (ROA)	0.7708%	3,651
Pretax return on assets	0.7947%	4,324
Return on Equity (ROE)	7.3305%	3,386
Retained earnings to average equity (ytd only)	4.6999%	3,019
Net charge-offs to loans	-0.0431%	5,316
Credit loss provision to net charge-offs	0.0000%	3,412
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	75.0867%	2,093
Assets per employee ($millions)	4.3490%	3,333
Cash dividends to net income (ytd only)*	35.8860%	2,544
Condition Ratios (%)
Loss allowance to loans	2.0189%	706
Loan loss allowance to noncurrent loans	284.4037%	1,694
Noncurrent assets plus other real estate owned to assets	0.3133%	4,155
Noncurrent loans to loans	0.7099%	2,908
Net loans and leases to total assets	43.2427%	5,239
Net loans and leases to deposits	49.4040%	5,327
Net loans and leases to core deposits	49.4040%	5,408
Total domestic deposits to total assets	87.5287%	1,647
Equity capital to assets	11.2785%	2,722
Core capital (leverage) ratio	10.6163%	2,856
Tier 1 risk-based capital ratio	25.3867%	773
Total risk-based capital ratio	26.6467%	755
Memoranda:
Average total assets	$72,307,500	4,923
Average earning assets	$67,882,500	4,889
Average equity	$7,602,750	5,048
Average total loans	$30,917,500	5,212
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.8197%	5,792
Cost of funding earning assets	0.1681%	5,430
Net interest margin	2.6516%	5,619
Noninterest income to average assets	0.6228%	2,494
Noninterest expense to average assets	2.2946%	4,626
Loan and lease loss provision to assets	0.0000%	4,017
Net operating income to assets	0.8031%	3,294
Return on assets (ROA)	0.8031%	3,431
Pretax return on assets	0.8277%	4,197
Return on Equity (ROE)	7.8181%	3,074
Retained earnings to average equity (ytd only)	3.8293%	3,451
Net charge-offs to loans	-0.0452%	5,323
Credit loss provision to net charge-offs	0.0000%	3,050
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	73.4908%	2,434
Assets per employee ($millions)	4.3895%	3,234
Cash dividends to net income (ytd only)*	51.0204%	1,917
Condition Ratios (%)
Loss allowance to loans	1.9649%	794
Loan loss allowance to noncurrent loans	310.0503%	1,592
Noncurrent assets plus other real estate owned to assets	0.2667%	4,431
Noncurrent loans to loans	0.6337%	3,178
Net loans and leases to total assets	41.2532%	5,369
Net loans and leases to deposits	46.6142%	5,476
Net loans and leases to core deposits	46.7934%	5,541
Total domestic deposits to total assets	88.4994%	1,167
Equity capital to assets	10.3763%	3,764
Core capital (leverage) ratio	10.3117%	3,178
Tier 1 risk-based capital ratio	24.6828%	837
Total risk-based capital ratio	25.9483%	827
Memoranda:
Average total assets	$73,215,330	4,953
Average earning assets	$69,013,670	4,908
Average equity	$7,521,000	5,104
Average total loans	$30,986,670	5,266
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.8131%	5,849
Cost of funding earning assets	0.1641%	5,516
Net interest margin	2.6490%	5,666
Noninterest income to average assets	0.6509%	2,263
Noninterest expense to average assets	2.4879%	4,107
Loan and lease loss provision to assets	0.0000%	3,656
Net operating income to assets	0.6068%	4,148
Return on assets (ROA)	0.6068%	4,268
Pretax return on assets	0.6564%	4,662
Return on Equity (ROE)	5.9379%	4,018
Retained earnings to average equity (ytd only)	-2.1592%	5,397
Net charge-offs to loans	-0.0390%	5,196
Credit loss provision to net charge-offs	0.0000%	2,416
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	79.1228%	1,727
Assets per employee ($millions)	4.3029%	3,406
Cash dividends to net income (ytd only)*	136.3636%	445
Condition Ratios (%)
Loss allowance to loans	2.0228%	785
Loan loss allowance to noncurrent loans	285.1163%	1,682
Noncurrent assets plus other real estate owned to assets	0.2939%	4,393
Noncurrent loans to loans	0.7095%	3,074
Net loans and leases to total assets	40.5892%	5,428
Net loans and leases to deposits	45.7686%	5,514
Net loans and leases to core deposits	45.9478%	5,591
Total domestic deposits to total assets	88.6835%	1,250
Equity capital to assets	10.1504%	3,897
Core capital (leverage) ratio	10.3505%	3,126
Tier 1 risk-based capital ratio	24.3673%	882
Total risk-based capital ratio	25.6277%	865
Memoranda:
Average total assets	$72,512,000	5,011
Average earning assets	$68,251,500	4,974
Average equity	$7,410,000	5,152
Average total loans	$30,779,500	5,311
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.8496%	5,850
Cost of funding earning assets	0.1501%	5,681
Net interest margin	2.6996%	5,644
Noninterest income to average assets	0.8967%	1,448
Noninterest expense to average assets	2.8727%	2,956
Loan and lease loss provision to assets	0.0000%	4,380
Net operating income to assets	0.5360%	4,555
Return on assets (ROA)	0.5360%	4,645
Pretax return on assets	0.5576%	4,968
Return on Equity (ROE)	5.0631%	4,474
Retained earnings to average equity (ytd only)	3.0270%	3,900
Net charge-offs to loans	-0.0067%	5,027
Credit loss provision to net charge-offs	0.0000%	3,899
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	83.7453%	1,202
Assets per employee ($millions)	4.2279%	3,525
Cash dividends to net income (ytd only)*	40.2145%	2,824
Condition Ratios (%)
Loss allowance to loans	1.9517%	877
Loan loss allowance to noncurrent loans	221.0145%	2,105
Noncurrent assets plus other real estate owned to assets	0.3840%	4,059
Noncurrent loans to loans	0.8831%	2,585
Net loans and leases to total assets	42.6371%	5,367
Net loans and leases to deposits	48.1703%	5,479
Net loans and leases to core deposits	48.5896%	5,540
Total domestic deposits to total assets	88.5132%	1,375
Equity capital to assets	10.2888%	3,635
Core capital (leverage) ratio	10.7244%	2,685
Tier 1 risk-based capital ratio	24.3947%	876
Total risk-based capital ratio	25.6548%	856
Memoranda:
Average total assets	$69,585,600	5,101
Average earning assets	$65,307,000	5,056
Average equity	$7,367,000	5,175
Average total loans	$29,997,800	5,357
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.8861%	5,903
Cost of funding earning assets	0.1479%	5,792
Net interest margin	2.7382%	5,682
Noninterest income to average assets	0.9486%	1,322
Noninterest expense to average assets	2.8380%	3,044
Loan and lease loss provision to assets	0.0000%	4,232
Net operating income to assets	0.6646%	4,057
Return on assets (ROA)	0.6646%	4,169
Pretax return on assets	0.6859%	4,729
Return on Equity (ROE)	6.2318%	4,036
Retained earnings to average equity (ytd only)	3.5144%	3,965
Net charge-offs to loans	0.0090%	3,847
Credit loss provision to net charge-offs	0.0000%	3,517
Earnings coverage of net charge-offs (x)	177.2734%	407
Efficiency ratio	80.5373%	1,574
Assets per employee ($millions)	3.8960%	4,091
Cash dividends to net income (ytd only)*	43.6053%	2,150
Condition Ratios (%)
Loss allowance to loans	2.0594%	834
Loan loss allowance to noncurrent loans	221.1679%	2,081
Noncurrent assets plus other real estate owned to assets	0.4137%	4,117
Noncurrent loans to loans	0.9311%	2,647
Net loans and leases to total assets	43.5137%	5,386
Net loans and leases to deposits	49.8237%	5,479
Net loans and leases to core deposits	50.3002%	5,569
Total domestic deposits to total assets	87.3354%	1,876
Equity capital to assets	11.3465%	2,650
Core capital (leverage) ratio	10.6547%	2,874
Tier 1 risk-based capital ratio	25.7929%	792
Total risk-based capital ratio	27.0510%	774
Memoranda:
Average total assets	$69,013,500	5,174
Average earning assets	$64,906,750	5,122
Average equity	$7,360,000	5,244
Average total loans	$29,683,500	5,432
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.8620%	5,975
Cost of funding earning assets	0.1495%	5,848
Net interest margin	2.7124%	5,749
Noninterest income to average assets	0.7807%	1,864
Noninterest expense to average assets	2.9539%	2,702
Loan and lease loss provision to assets	0.0000%	4,069
Net operating income to assets	0.3746%	5,217
Return on assets (ROA)	0.3746%	5,332
Pretax return on assets	0.3689%	5,540
Return on Equity (ROE)	3.5850%	5,185
Retained earnings to average equity (ytd only)	-0.5473%	5,618
Net charge-offs to loans	0.0605%	2,523
Credit loss provision to net charge-offs	0.0000%	3,158
Earnings coverage of net charge-offs (x)	14.3333%	2,065
Efficiency ratio	88.8985%	837
Assets per employee ($millions)	4.1377%	3,596
Cash dividends to net income (ytd only)*	115.2672%	347
Condition Ratios (%)
Loss allowance to loans	1.9971%	991
Loan loss allowance to noncurrent loans	253.3898%	1,865
Noncurrent assets plus other real estate owned to assets	0.3583%	4,463
Noncurrent loans to loans	0.7882%	3,135
Net loans and leases to total assets	41.7182%	5,521
Net loans and leases to deposits	47.2255%	5,621
Net loans and leases to core deposits	47.6449%	5,702
Total domestic deposits to total assets	88.3382%	1,473
Equity capital to assets	10.4093%	3,553
Core capital (leverage) ratio	10.2766%	3,244
Tier 1 risk-based capital ratio	24.3730%	921
Total risk-based capital ratio	25.6321%	908
Memoranda:
Average total assets	$69,940,670	5,217
Average earning assets	$65,549,670	5,160
Average equity	$7,308,330	5,296
Average total loans	$29,769,330	5,480
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9412%	5,957
Cost of funding earning assets	0.1593%	5,847
Net interest margin	2.7818%	5,682
Noninterest income to average assets	0.8144%	1,662
Noninterest expense to average assets	3.2521%	1,838
Loan and lease loss provision to assets	0.0000%	3,703
Net operating income to assets	0.1663%	5,751
Return on assets (ROA)	0.1663%	5,825
Pretax return on assets	0.1663%	5,872
Return on Equity (ROE)	1.5887%	5,781
Retained earnings to average equity (ytd only)	-6.6288%	6,021
Net charge-offs to loans	0.1617%	1,299
Credit loss provision to net charge-offs	0.0000%	2,491
Earnings coverage of net charge-offs (x)	2.4167%	2,764
Efficiency ratio	95.1342%	535
Assets per employee ($millions)	3.7405%	4,439
Cash dividends to net income (ytd only)*	517.2414%	32
Condition Ratios (%)
Loss allowance to loans	2.0677%	965
Loan loss allowance to noncurrent loans	207.6655%	2,155
Noncurrent assets plus other real estate owned to assets	0.4263%	4,328
Noncurrent loans to loans	0.9957%	2,773
Net loans and leases to total assets	39.7186%	5,611
Net loans and leases to deposits	44.8655%	5,715
Net loans and leases to core deposits	45.2589%	5,788
Total domestic deposits to total assets	88.5282%	1,536
Equity capital to assets	10.2139%	3,868
Core capital (leverage) ratio	10.0768%	3,504
Tier 1 risk-based capital ratio	22.3931%	1,182
Total risk-based capital ratio	23.6498%	1,166
Memoranda:
Average total assets	$69,740,500	5,267
Average earning assets	$65,280,500	5,224
Average equity	$7,301,500	5,344
Average total loans	$29,682,500	5,524
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9175%	6,118
Cost of funding earning assets	0.1860%	5,870
Net interest margin	2.7316%	5,893
Noninterest income to average assets	0.9415%	1,374
Noninterest expense to average assets	2.8574%	3,271
Loan and lease loss provision to assets	0.0069%	4,490
Net operating income to assets	0.6388%	4,195
Return on assets (ROA)	0.6428%	4,279
Pretax return on assets	0.6689%	4,730
Return on Equity (ROE)	6.5395%	3,877
Retained earnings to average equity (ytd only)	4.4390%	3,022
Net charge-offs to loans	0.3654%	1,191
Credit loss provision to net charge-offs	4.3478%	4,163
Earnings coverage of net charge-offs (x)	4.2435%	3,703
Efficiency ratio	80.9672%	1,774
Assets per employee ($millions)	3.8006%	4,341
Cash dividends to net income (ytd only)*	32.1199%	3,276
Condition Ratios (%)
Loss allowance to loans	1.9908%	1,130
Loan loss allowance to noncurrent loans	128.2700%	3,153
Noncurrent assets plus other real estate owned to assets	0.7163%	3,424
Noncurrent loans to loans	1.5520%	1,888
Net loans and leases to total assets	43.7547%	5,477
Net loans and leases to deposits	49.7548%	5,588
Net loans and leases to core deposits	50.2114%	5,703
Total domestic deposits to total assets	87.9405%	1,804
Equity capital to assets	10.7351%	3,194
Core capital (leverage) ratio	10.0648%	3,479
Tier 1 risk-based capital ratio	23.8804%	968
Total risk-based capital ratio	25.1408%	943
Memoranda:
Average total assets	$72,653,200	5,213
Average earning assets	$68,825,200	5,151
Average equity	$7,141,200	5,384
Average total loans	$31,474,600	5,508
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9049%	6,204
Cost of funding earning assets	0.1900%	5,911
Net interest margin	2.7150%	5,988
Noninterest income to average assets	0.8067%	1,867
Noninterest expense to average assets	2.6824%	3,883
Loan and lease loss provision to assets	0.0054%	4,304
Net operating income to assets	0.6785%	4,056
Return on assets (ROA)	0.6837%	4,111
Pretax return on assets	0.7090%	4,679
Return on Equity (ROE)	7.1080%	3,654
Retained earnings to average equity (ytd only)	4.2873%	3,599
Net charge-offs to loans	0.4878%	800
Credit loss provision to net charge-offs	2.5862%	3,782
Earnings coverage of net charge-offs (x)	3.3793%	3,673
Efficiency ratio	79.0933%	2,041
Assets per employee ($millions)	3.7639%	4,363
Cash dividends to net income (ytd only)*	39.6833%	2,364
Condition Ratios (%)
Loss allowance to loans	1.9690%	1,310
Loan loss allowance to noncurrent loans	134.1463%	2,981
Noncurrent assets plus other real estate owned to assets	0.6306%	3,938
Noncurrent loans to loans	1.4678%	2,213
Net loans and leases to total assets	42.1184%	5,660
Net loans and leases to deposits	47.5635%	5,792
Net loans and leases to core deposits	48.2052%	5,875
Total domestic deposits to total assets	88.5521%	1,475
Equity capital to assets	10.1587%	3,983
Core capital (leverage) ratio	9.6568%	4,143
Tier 1 risk-based capital ratio	22.8051%	1,147
Total risk-based capital ratio	24.0630%	1,119
Memoranda:
Average total assets	$73,713,750	5,250
Average earning assets	$70,177,500	5,172
Average equity	$7,090,500	5,443
Average total loans	$31,708,000	5,550
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9618%	6,215
Cost of funding earning assets	0.2010%	5,903
Net interest margin	2.7608%	5,974
Noninterest income to average assets	0.7307%	2,145
Noninterest expense to average assets	2.6838%	3,927
Loan and lease loss provision to assets	0.0000%	4,196
Net operating income to assets	0.6286%	4,204
Return on assets (ROA)	0.6286%	4,302
Pretax return on assets	0.6662%	4,746
Return on Equity (ROE)	6.6550%	3,797
Retained earnings to average equity (ytd only)	2.3890%	4,687
Net charge-offs to loans	0.6992%	546
Credit loss provision to net charge-offs	0.0000%	3,401
Earnings coverage of net charge-offs (x)	2.2143%	3,606
Efficiency ratio	80.1123%	2,008
Assets per employee ($millions)	3.9313%	3,995
Cash dividends to net income (ytd only)*	64.1026%	1,362
Condition Ratios (%)
Loss allowance to loans	1.9502%	1,457
Loan loss allowance to noncurrent loans	126.3048%	3,091
Noncurrent assets plus other real estate owned to assets	0.8421%	3,449
Noncurrent loans to loans	1.5440%	2,244
Net loans and leases to total assets	40.7229%	5,765
Net loans and leases to deposits	45.6836%	5,897
Net loans and leases to core deposits	46.2666%	5,986
Total domestic deposits to total assets	89.1412%	1,282
Equity capital to assets	9.6044%	4,617
Core capital (leverage) ratio	9.4444%	4,402
Tier 1 risk-based capital ratio	21.9924%	1,258
Total risk-based capital ratio	23.2500%	1,238
Memoranda:
Average total assets	$74,446,670	5,281
Average earning assets	$70,632,670	5,207
Average equity	$7,032,330	5,480
Average total loans	$32,035,330	5,574
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.8874%	6,336
Cost of funding earning assets	0.2034%	5,964
Net interest margin	2.6840%	6,126
Noninterest income to average assets	0.7535%	1,948
Noninterest expense to average assets	2.8363%	3,433
Loan and lease loss provision to assets	0.0000%	3,817
Net operating income to assets	0.3983%	5,123
Return on assets (ROA)	0.3983%	5,194
Pretax return on assets	0.4736%	5,248
Return on Equity (ROE)	4.2520%	4,907
Retained earnings to average equity (ytd only)	-4.3669%	6,085
Net charge-offs to loans	0.0123%	3,360
Credit loss provision to net charge-offs	0.0000%	2,688
Earnings coverage of net charge-offs (x)	88.0000%	505
Efficiency ratio	85.6911%	1,481
Assets per employee ($millions)	4.0717%	3,777
Cash dividends to net income (ytd only)*	202.7027%	254
Condition Ratios (%)
Loss allowance to loans	2.2856%	1,052
Loan loss allowance to noncurrent loans	102.7221%	3,549
Noncurrent assets plus other real estate owned to assets	0.9524%	3,346
Noncurrent loans to loans	2.2250%	1,624
Net loans and leases to total assets	41.8256%	5,685
Net loans and leases to deposits	46.8751%	5,787
Net loans and leases to core deposits	47.4844%	5,903
Total domestic deposits to total assets	89.2277%	1,514
Equity capital to assets	9.4733%	4,532
Core capital (leverage) ratio	9.0199%	4,977
Tier 1 risk-based capital ratio	21.6691%	1,347
Total risk-based capital ratio	22.9313%	1,323
Memoranda:
Average total assets	$74,322,500	5,330
Average earning assets	$70,791,000	5,257
Average equity	$6,961,500	5,530
Average total loans	$32,541,500	5,608
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9239%	6,406
Cost of funding earning assets	0.2606%	5,907
Net interest margin	2.6633%	6,187
Noninterest income to average assets	0.7362%	2,353
Noninterest expense to average assets	2.6355%	4,333
Loan and lease loss provision to assets	0.0272%	4,585
Net operating income to assets	0.5718%	4,403
Return on assets (ROA)	0.5680%	4,528
Pretax return on assets	0.5822%	4,925
Return on Equity (ROE)	6.3454%	3,901
Retained earnings to average equity (ytd only)	6.3454%	1,775
Net charge-offs to loans	-0.0401%	6,285
Credit loss provision to net charge-offs	-150.0000%	5,943
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	81.1231%	2,006
Assets per employee ($millions)	4.4326%	3,024
Cash dividends to net income (ytd only)*	0.0000%	4,285
Condition Ratios (%)
Loss allowance to loans	2.1298%	1,285
Loan loss allowance to noncurrent loans	109.1185%	3,386
Noncurrent assets plus other real estate owned to assets	0.8732%	3,705
Noncurrent loans to loans	1.9518%	2,043
Net loans and leases to total assets	43.7848%	5,694
Net loans and leases to deposits	48.9438%	5,835
Net loans and leases to core deposits	49.5569%	5,965
Total domestic deposits to total assets	89.4592%	1,359
Equity capital to assets	9.2628%	4,732
Core capital (leverage) ratio	8.8236%	5,245
Tier 1 risk-based capital ratio	20.2511%	1,600
Total risk-based capital ratio	21.5125%	1,561
Memoranda:
Average total assets	$77,290,400	5,298
Average earning assets	$72,916,800	5,226
Average equity	$6,918,400	5,590
Average total loans	$34,935,800	5,539
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9132%	6,485
Cost of funding earning assets	0.2719%	5,946
Net interest margin	2.6413%	6,262
Noninterest income to average assets	0.7406%	2,415
Noninterest expense to average assets	2.5595%	4,515
Loan and lease loss provision to assets	0.0000%	4,941
Net operating income to assets	0.6599%	4,067
Return on assets (ROA)	0.6549%	4,226
Pretax return on assets	0.6737%	4,779
Return on Equity (ROE)	7.3782%	3,450
Retained earnings to average equity (ytd only)	7.3782%	1,694
Net charge-offs to loans	-0.2573%	6,697
Credit loss provision to net charge-offs	0.0000%	4,342
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	79.0365%	2,253
Assets per employee ($millions)	4.4391%	2,978
Cash dividends to net income (ytd only)*	0.0000%	3,738
Condition Ratios (%)
Loss allowance to loans	2.1939%	1,337
Loan loss allowance to noncurrent loans	88.3529%	3,794
Noncurrent assets plus other real estate owned to assets	1.1794%	3,297
Noncurrent loans to loans	2.4831%	1,748
Net loans and leases to total assets	44.3655%	5,699
Net loans and leases to deposits	49.5882%	5,866
Net loans and leases to core deposits	50.2085%	6,003
Total domestic deposits to total assets	89.4678%	1,320
Equity capital to assets	9.2388%	4,885
Core capital (leverage) ratio	8.8364%	5,355
Tier 1 risk-based capital ratio	19.7086%	1,813
Total risk-based capital ratio	20.9701%	1,770
Memoranda:
Average total assets	$77,774,250	5,343
Average earning assets	$73,547,500	5,253
Average equity	$6,903,000	5,666
Average total loans	$35,241,750	5,575
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.8732%	6,554
Cost of funding earning assets	0.2914%	5,889
Net interest margin	2.5818%	6,350
Noninterest income to average assets	0.7206%	2,547
Noninterest expense to average assets	2.6227%	4,307
Loan and lease loss provision to assets	0.0000%	4,788
Net operating income to assets	0.5199%	4,718
Return on assets (ROA)	0.5347%	4,807
Pretax return on assets	0.5500%	5,200
Return on Equity (ROE)	6.1047%	4,108
Retained earnings to average equity (ytd only)	6.1047%	2,370
Net charge-offs to loans	-0.5003%	6,825
Credit loss provision to net charge-offs	0.0000%	4,003
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	83.0645%	1,748
Assets per employee ($millions)	4.3355%	3,116
Cash dividends to net income (ytd only)*	0.0000%	3,522
Condition Ratios (%)
Loss allowance to loans	2.1542%	1,523
Loan loss allowance to noncurrent loans	102.6596%	3,394
Noncurrent assets plus other real estate owned to assets	1.1879%	3,376
Noncurrent loans to loans	2.0984%	2,281
Net loans and leases to total assets	44.9327%	5,646
Net loans and leases to deposits	49.8798%	5,848
Net loans and leases to core deposits	50.4750%	6,000
Total domestic deposits to total assets	90.0819%	982
Equity capital to assets	8.6470%	5,616
Core capital (leverage) ratio	8.3731%	5,799
Tier 1 risk-based capital ratio	18.3512%	2,194
Total risk-based capital ratio	19.6122%	2,151
Memoranda:
Average total assets	$78,544,330	5,356
Average earning assets	$74,133,000	5,273
Average equity	$6,880,000	5,714
Average total loans	$35,578,670	5,596
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9991%	6,519
Cost of funding earning assets	0.3290%	5,726
Net interest margin	2.6700%	6,269
Noninterest income to average assets	0.7411%	2,369
Noninterest expense to average assets	2.8478%	3,551
Loan and lease loss provision to assets	0.0000%	4,409
Net operating income to assets	0.3756%	5,231
Return on assets (ROA)	0.3756%	5,368
Pretax return on assets	0.4061%	5,543
Return on Equity (ROE)	4.2614%	4,968
Retained earnings to average equity (ytd only)	4.2614%	3,674
Net charge-offs to loans	-0.0790%	6,342
Credit loss provision to net charge-offs	0.0000%	3,239
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	87.5195%	1,373
Assets per employee ($millions)	4.1892%	3,555
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	1.9397%	2,198
Loan loss allowance to noncurrent loans	56.8838%	4,858
Noncurrent assets plus other real estate owned to assets	1.5240%	2,971
Noncurrent loans to loans	3.4099%	1,413
Net loans and leases to total assets	43.8256%	5,682
Net loans and leases to deposits	48.7002%	5,870
Net loans and leases to core deposits	49.6294%	5,998
Total domestic deposits to total assets	89.9906%	1,065
Equity capital to assets	8.7505%	5,759
Core capital (leverage) ratio	8.0233%	6,121
Tier 1 risk-based capital ratio	18.3889%	2,232
Total risk-based capital ratio	19.6478%	2,197
Memoranda:
Average total assets	$78,797,000	5,391
Average earning assets	$74,156,000	5,317
Average equity	$6,946,000	5,756
Average total loans	$35,449,500	5,645
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1445%	6,692
Cost of funding earning assets	0.4188%	5,795
Net interest margin	2.7257%	6,485
Noninterest income to average assets	0.7053%	2,694
Noninterest expense to average assets	2.6030%	4,733
Loan and lease loss provision to assets	0.3289%	2,064
Net operating income to assets	0.3405%	5,326
Return on assets (ROA)	0.3443%	5,534
Pretax return on assets	0.3443%	5,731
Return on Equity (ROE)	3.8444%	5,205
Retained earnings to average equity (ytd only)	0.4017%	5,656
Net charge-offs to loans	0.8234%	1,417
Credit loss provision to net charge-offs	87.3720%	3,578
Earnings coverage of net charge-offs (x)	1.7782%	4,543
Efficiency ratio	79.5446%	2,205
Assets per employee ($millions)	4.1052%	3,726
Cash dividends to net income (ytd only)*	89.5522%	712
Condition Ratios (%)
Loss allowance to loans	1.9334%	2,186
Loan loss allowance to noncurrent loans	51.1610%	5,072
Noncurrent assets plus other real estate owned to assets	1.7116%	2,831
Noncurrent loans to loans	3.7791%	1,282
Net loans and leases to total assets	44.4147%	5,777
Net loans and leases to deposits	49.4886%	5,993
Net loans and leases to core deposits	51.5782%	6,044
Total domestic deposits to total assets	89.7473%	1,096
Equity capital to assets	8.8809%	5,650
Core capital (leverage) ratio	8.1353%	6,056
Tier 1 risk-based capital ratio	18.6995%	2,048
Total risk-based capital ratio	19.9595%	2,010
Memoranda:
Average total assets	$77,834,000	5,414
Average earning assets	$73,303,400	5,331
Average equity	$6,971,200	5,774
Average total loans	$35,586,200	5,695
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2432%	6,767
Cost of funding earning assets	0.4351%	5,900
Net interest margin	2.8081%	6,489
Noninterest income to average assets	0.6479%	3,004
Noninterest expense to average assets	2.4509%	5,237
Loan and lease loss provision to assets	0.3565%	1,827
Net operating income to assets	0.4953%	4,858
Return on assets (ROA)	0.5005%	5,107
Pretax return on assets	0.5005%	5,466
Return on Equity (ROE)	5.5759%	4,554
Retained earnings to average equity (ytd only)	3.2845%	4,562
Net charge-offs to loans	0.7517%	1,477
Credit loss provision to net charge-offs	103.4826%	2,844
Earnings coverage of net charge-offs (x)	2.4727%	4,052
Efficiency ratio	74.2086%	2,950
Assets per employee ($millions)	4.1382%	3,603
Cash dividends to net income (ytd only)*	41.0973%	2,107
Condition Ratios (%)
Loss allowance to loans	2.0399%	2,060
Loan loss allowance to noncurrent loans	56.2258%	4,841
Noncurrent assets plus other real estate owned to assets	1.6445%	3,114
Noncurrent loans to loans	3.6280%	1,492
Net loans and leases to total assets	44.4032%	5,934
Net loans and leases to deposits	49.2398%	6,171
Net loans and leases to core deposits	51.1015%	6,234
Total domestic deposits to total assets	90.1774%	748
Equity capital to assets	9.0849%	5,735
Core capital (leverage) ratio	8.2468%	6,090
Tier 1 risk-based capital ratio	18.9490%	2,027
Total risk-based capital ratio	20.2089%	1,992
Memoranda:
Average total assets	$77,792,750	5,464
Average earning assets	$73,547,000	5,389
Average equity	$6,982,250	5,836
Average total loans	$35,651,250	5,765
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2022%	6,868
Cost of funding earning assets	0.4532%	5,951
Net interest margin	2.7490%	6,650
Noninterest income to average assets	0.6992%	2,680
Noninterest expense to average assets	2.5698%	4,881
Loan and lease loss provision to assets	0.1109%	4,143
Net operating income to assets	0.5960%	4,385
Return on assets (ROA)	0.5960%	4,645
Pretax return on assets	0.6167%	5,081
Return on Equity (ROE)	6.6679%	3,952
Retained earnings to average equity (ytd only)	3.2041%	4,484
Net charge-offs to loans	0.4880%	2,125
Credit loss provision to net charge-offs	49.4253%	4,048
Earnings coverage of net charge-offs (x)	3.2414%	3,441
Efficiency ratio	77.9343%	2,462
Assets per employee ($millions)	4.1641%	3,533
Cash dividends to net income (ytd only)*	51.9481%	1,667
Condition Ratios (%)
Loss allowance to loans	1.8612%	2,667
Loan loss allowance to noncurrent loans	41.1693%	5,593
Noncurrent assets plus other real estate owned to assets	2.0754%	2,693
Noncurrent loans to loans	4.5208%	1,170
Net loans and leases to total assets	45.0530%	5,916
Net loans and leases to deposits	49.7988%	6,194
Net loans and leases to core deposits	51.6594%	6,260
Total domestic deposits to total assets	90.4699%	685
Equity capital to assets	8.7856%	5,931
Core capital (leverage) ratio	8.3231%	5,877
Tier 1 risk-based capital ratio	18.5159%	2,130
Total risk-based capital ratio	19.7732%	2,080
Memoranda:
Average total assets	$77,515,330	5,505
Average earning assets	$73,262,330	5,425
Average equity	$6,928,670	5,868
Average total loans	$35,655,330	5,803
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4914%	6,711
Cost of funding earning assets	0.4814%	5,933
Net interest margin	3.0100%	6,276
Noninterest income to average assets	0.6101%	3,161
Noninterest expense to average assets	2.6071%	4,792
Loan and lease loss provision to assets	0.0104%	5,167
Net operating income to assets	0.8291%	3,259
Return on assets (ROA)	0.8291%	3,485
Pretax return on assets	0.8291%	4,303
Return on Equity (ROE)	9.1941%	2,737
Retained earnings to average equity (ytd only)	9.1941%	1,517
Net charge-offs to loans	0.4190%	2,049
Credit loss provision to net charge-offs	5.4054%	3,952
Earnings coverage of net charge-offs (x)	4.3514%	2,588
Efficiency ratio	75.6430%	2,834
Assets per employee ($millions)	4.3169%	3,363
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	1.9657%	2,465
Loan loss allowance to noncurrent loans	43.3544%	5,442
Noncurrent assets plus other real estate owned to assets	2.0334%	2,851
Noncurrent loans to loans	4.5341%	1,276
Net loans and leases to total assets	43.9643%	6,015
Net loans and leases to deposits	49.4571%	6,185
Net loans and leases to core deposits	51.3730%	6,252
Total domestic deposits to total assets	88.8938%	1,765
Equity capital to assets	9.0523%	5,421
Core capital (leverage) ratio	8.3404%	5,821
Tier 1 risk-based capital ratio	19.7814%	1,765
Total risk-based capital ratio	21.0417%	1,734
Memoranda:
Average total assets	$76,714,000	5,573
Average earning assets	$72,291,500	5,488
Average equity	$6,917,500	5,899
Average total loans	$35,322,500	5,856
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7801%	6,751
Cost of funding earning assets	0.5701%	6,240
Net interest margin	3.2100%	6,064
Noninterest income to average assets	0.8814%	1,740
Noninterest expense to average assets	3.3204%	2,455
Loan and lease loss provision to assets	0.0354%	6,122
Net operating income to assets	0.5262%	4,325
Return on assets (ROA)	0.6621%	3,864
Pretax return on assets	0.6847%	4,389
Return on Equity (ROE)	6.8154%	3,484
Retained earnings to average equity (ytd only)	1.5728%	5,089
Net charge-offs to loans	0.3714%	3,548
Credit loss provision to net charge-offs	18.7970%	5,930
Earnings coverage of net charge-offs (x)	3.0827%	3,665
Efficiency ratio	85.1288%	1,659
Assets per employee ($millions)	3.9855%	3,892
Cash dividends to net income (ytd only)*	76.9231%	875
Condition Ratios (%)
Loss allowance to loans	2.0113%	2,240
Loan loss allowance to noncurrent loans	57.9710%	4,609
Noncurrent assets plus other real estate owned to assets	1.6402%	3,497
Noncurrent loans to loans	3.4695%	1,848
Net loans and leases to total assets	46.3235%	5,991
Net loans and leases to deposits	51.7131%	6,235
Net loans and leases to core deposits	53.7495%	6,316
Total domestic deposits to total assets	89.5779%	1,218
Equity capital to assets	8.9813%	5,571
Core capital (leverage) ratio	8.6002%	5,399
Tier 1 risk-based capital ratio	18.6940%	1,990
Total risk-based capital ratio	19.9504%	1,950
Memoranda:
Average total assets	$70,684,000	5,722
Average earning assets	$66,480,400	5,650
Average equity	$6,866,800	5,901
Average total loans	$35,808,800	5,878
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7742%	6,870
Cost of funding earning assets	0.5968%	6,292
Net interest margin	3.1774%	6,213
Noninterest income to average assets	0.9122%	1,604
Noninterest expense to average assets	3.0094%	3,528
Loan and lease loss provision to assets	0.0499%	5,826
Net operating income to assets	0.8263%	3,039
Return on assets (ROA)	0.8431%	3,120
Pretax return on assets	0.8662%	3,892
Return on Equity (ROE)	8.5035%	2,816
Retained earnings to average equity (ytd only)	6.1791%	2,441
Net charge-offs to loans	0.4915%	2,783
Credit loss provision to net charge-offs	19.6970%	5,561
Earnings coverage of net charge-offs (x)	3.5453%	3,400
Efficiency ratio	77.0025%	2,675
Assets per employee ($millions)	3.7979%	4,308
Cash dividends to net income (ytd only)*	27.3355%	2,608
Condition Ratios (%)
Loss allowance to loans	2.0399%	2,231
Loan loss allowance to noncurrent loans	53.9611%	4,770
Noncurrent assets plus other real estate owned to assets	1.8542%	3,325
Noncurrent loans to loans	3.7803%	1,789
Net loans and leases to total assets	48.0481%	5,947
Net loans and leases to deposits	53.8937%	6,221
Net loans and leases to core deposits	56.4819%	6,276
Total domestic deposits to total assets	89.1534%	1,330
Equity capital to assets	10.0428%	4,281
Core capital (leverage) ratio	9.0830%	4,803
Tier 1 risk-based capital ratio	19.6214%	1,780
Total risk-based capital ratio	20.8825%	1,749
Memoranda:
Average total assets	$69,424,000	5,798
Average earning assets	$65,460,750	5,732
Average equity	$6,883,250	5,936
Average total loans	$35,811,500	5,932
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8422%	6,875
Cost of funding earning assets	0.6166%	6,379
Net interest margin	3.2256%	6,077
Noninterest income to average assets	0.9546%	1,449
Noninterest expense to average assets	3.1761%	2,984
Loan and lease loss provision to assets	0.0759%	5,362
Net operating income to assets	0.7197%	3,446
Return on assets (ROA)	0.6773%	3,776
Pretax return on assets	0.6977%	4,394
Return on Equity (ROE)	6.8619%	3,506
Retained earnings to average equity (ytd only)	3.3126%	4,149
Net charge-offs to loans	0.2114%	3,877
Credit loss provision to net charge-offs	68.4211%	4,094
Earnings coverage of net charge-offs (x)	7.3684%	2,236
Efficiency ratio	79.5322%	2,460
Assets per employee ($millions)	3.5449%	4,824
Cash dividends to net income (ytd only)*	51.7241%	1,640
Condition Ratios (%)
Loss allowance to loans	2.2259%	1,868
Loan loss allowance to noncurrent loans	89.1803%	3,187
Noncurrent assets plus other real estate owned to assets	1.2906%	4,319
Noncurrent loans to loans	2.4960%	2,892
Net loans and leases to total assets	50.5557%	5,745
Net loans and leases to deposits	56.5829%	6,083
Net loans and leases to core deposits	59.5636%	6,131
Total domestic deposits to total assets	89.3481%	1,334
Equity capital to assets	9.8465%	4,337
Core capital (leverage) ratio	9.3337%	4,198
Tier 1 risk-based capital ratio	18.4849%	2,017
Total risk-based capital ratio	19.7499%	1,964
Memoranda:
Average total assets	$68,511,670	5,871
Average earning assets	$64,546,330	5,803
Average equity	$6,762,000	6,000
Average total loans	$35,950,670	5,970
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8850%	6,840
Cost of funding earning assets	0.6391%	6,432
Net interest margin	3.2459%	5,931
Noninterest income to average assets	0.9329%	1,538
Noninterest expense to average assets	3.0601%	3,420
Loan and lease loss provision to assets	0.1545%	4,092
Net operating income to assets	0.7546%	3,249
Return on assets (ROA)	0.7546%	3,314
Pretax return on assets	0.7665%	4,033
Return on Equity (ROE)	7.6362%	3,079
Retained earnings to average equity (ytd only)	7.6362%	1,870
Net charge-offs to loans	0.2247%	3,189
Credit loss provision to net charge-offs	130.0000%	2,129
Earnings coverage of net charge-offs (x)	7.7500%	1,900
Efficiency ratio	76.8657%	3,004
Assets per employee ($millions)	3.5452%	4,889
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	2.3591%	1,664
Loan loss allowance to noncurrent loans	75.1351%	3,713
Noncurrent assets plus other real estate owned to assets	1.6479%	3,777
Noncurrent loans to loans	3.1398%	2,396
Net loans and leases to total assets	51.2471%	5,679
Net loans and leases to deposits	57.4905%	5,975
Net loans and leases to core deposits	58.8178%	6,189
Total domestic deposits to total assets	89.1401%	1,685
Equity capital to assets	9.9810%	3,799
Core capital (leverage) ratio	9.3173%	4,103
Tier 1 risk-based capital ratio	20.0644%	1,575
Total risk-based capital ratio	21.3301%	1,535
Memoranda:
Average total assets	$67,318,500	5,955
Average earning assets	$63,218,000	5,886
Average equity	$6,652,500	6,042
Average total loans	$35,596,500	6,044
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0904%	7,056
Cost of funding earning assets	0.7906%	6,608
Net interest margin	3.2998%	5,978
Noninterest income to average assets	0.8946%	1,863
Noninterest expense to average assets	3.2038%	3,078
Loan and lease loss provision to assets	0.1577%	5,630
Net operating income to assets	0.5959%	3,689
Return on assets (ROA)	0.5959%	3,855
Pretax return on assets	0.6277%	4,234
Return on Equity (ROE)	5.7725%	3,710
Retained earnings to average equity (ytd only)	0.4847%	5,340
Net charge-offs to loans	0.1437%	5,497
Credit loss provision to net charge-offs	208.0000%	1,481
Earnings coverage of net charge-offs (x)	10.3600%	1,718
Efficiency ratio	80.3117%	2,376
Assets per employee ($millions)	3.2038%	5,663
Cash dividends to net income (ytd only)*	91.6031%	533
Condition Ratios (%)
Loss allowance to loans	2.3103%	1,677
Loan loss allowance to noncurrent loans	74.7967%	3,735
Noncurrent assets plus other real estate owned to assets	1.6454%	3,833
Noncurrent loans to loans	3.0887%	2,468
Net loans and leases to total assets	52.0400%	5,901
Net loans and leases to deposits	58.2504%	6,234
Net loans and leases to core deposits	61.5920%	6,266
Total domestic deposits to total assets	89.3384%	1,476
Equity capital to assets	9.7831%	4,020
Core capital (leverage) ratio	9.2240%	4,130
Tier 1 risk-based capital ratio	19.3586%	1,627
Total risk-based capital ratio	20.6264%	1,594
Memoranda:
Average total assets	$65,952,600	6,002
Average earning assets	$61,852,200	5,928
Average equity	$6,808,200	6,101
Average total loans	$34,784,200	6,163
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1350%	7,166
Cost of funding earning assets	0.8166%	6,705
Net interest margin	3.3184%	5,955
Noninterest income to average assets	0.8879%	1,841
Noninterest expense to average assets	3.0762%	3,445
Loan and lease loss provision to assets	0.1544%	5,496
Net operating income to assets	0.7396%	3,238
Return on assets (ROA)	0.7396%	3,403
Pretax return on assets	0.7701%	4,010
Return on Equity (ROE)	7.0697%	3,314
Retained earnings to average equity (ytd only)	4.7391%	3,170
Net charge-offs to loans	0.1275%	5,277
Credit loss provision to net charge-offs	230.3030%	1,492
Earnings coverage of net charge-offs (x)	13.7875%	1,556
Efficiency ratio	76.8918%	2,778
Assets per employee ($millions)	3.2693%	5,543
Cash dividends to net income (ytd only)*	32.9679%	2,404
Condition Ratios (%)
Loss allowance to loans	2.3782%	1,503
Loan loss allowance to noncurrent loans	101.2392%	2,761
Noncurrent assets plus other real estate owned to assets	1.2342%	4,686
Noncurrent loans to loans	2.3491%	3,290
Net loans and leases to total assets	51.2908%	6,190
Net loans and leases to deposits	58.1130%	6,453
Net loans and leases to core deposits	61.8615%	6,475
Total domestic deposits to total assets	88.2605%	1,821
Equity capital to assets	10.8540%	3,112
Core capital (leverage) ratio	9.7020%	3,619
Tier 1 risk-based capital ratio	20.9656%	1,363
Total risk-based capital ratio	22.2320%	1,335
Memoranda:
Average total assets	$65,621,000	6,078
Average earning assets	$61,555,000	6,003
Average equity	$6,864,750	6,156
Average total loans	$34,520,250	6,263
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1551%	7,227
Cost of funding earning assets	0.8388%	6,789
Net interest margin	3.3163%	5,959
Noninterest income to average assets	0.8767%	1,770
Noninterest expense to average assets	3.1111%	3,263
Loan and lease loss provision to assets	0.2131%	4,756
Net operating income to assets	0.6332%	3,718
Return on assets (ROA)	0.6332%	3,855
Pretax return on assets	0.6697%	4,341
Return on Equity (ROE)	6.1291%	3,741
Retained earnings to average equity (ytd only)	2.5931%	4,492
Net charge-offs to loans	-0.0116%	7,217
Credit loss provision to net charge-offs	-3,500.0000%	7,010
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.8963%	2,742
Assets per employee ($millions)	3.3324%	5,346
Cash dividends to net income (ytd only)*	57.6923%	1,398
Condition Ratios (%)
Loss allowance to loans	2.4070%	1,427
Loan loss allowance to noncurrent loans	129.9539%	2,145
Noncurrent assets plus other real estate owned to assets	0.9768%	5,186
Noncurrent loans to loans	1.8522%	3,932
Net loans and leases to total assets	51.4659%	6,270
Net loans and leases to deposits	57.9428%	6,577
Net loans and leases to core deposits	58.8545%	6,777
Total domestic deposits to total assets	88.8219%	1,536
Equity capital to assets	10.3079%	3,640
Core capital (leverage) ratio	9.4162%	3,937
Tier 1 risk-based capital ratio	20.2311%	1,478
Total risk-based capital ratio	21.4994%	1,444
Memoranda:
Average total assets	$65,699,330	6,117
Average earning assets	$61,755,330	6,032
Average equity	$6,787,330	6,207
Average total loans	$34,575,670	6,309
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2369%	7,220
Cost of funding earning assets	0.8696%	6,872
Net interest margin	3.3673%	5,722
Noninterest income to average assets	0.7911%	2,068
Noninterest expense to average assets	3.0602%	3,435
Loan and lease loss provision to assets	0.1901%	4,598
Net operating income to assets	0.6930%	3,472
Return on assets (ROA)	0.6930%	3,587
Pretax return on assets	0.6991%	4,236
Return on Equity (ROE)	6.7003%	3,512
Retained earnings to average equity (ytd only)	6.7003%	2,271
Net charge-offs to loans	-0.0467%	7,327
Credit loss provision to net charge-offs	-775.0000%	6,345
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.4845%	2,976
Assets per employee ($millions)	3.3896%	5,315
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	2.3616%	1,473
Loan loss allowance to noncurrent loans	65.6656%	4,077
Noncurrent assets plus other real estate owned to assets	1.8173%	3,757
Noncurrent loans to loans	3.5963%	2,219
Net loans and leases to total assets	49.3392%	6,540
Net loans and leases to deposits	55.3463%	6,819
Net loans and leases to core deposits	56.8129%	6,948
Total domestic deposits to total assets	89.1462%	1,442
Equity capital to assets	10.0322%	3,823
Core capital (leverage) ratio	9.4348%	3,874
Tier 1 risk-based capital ratio	20.6878%	1,393
Total risk-based capital ratio	21.9567%	1,365
Memoranda:
Average total assets	$65,225,000	6,203
Average earning assets	$61,176,500	6,123
Average equity	$6,746,000	6,272
Average total loans	$34,290,000	6,403
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6305%	7,239
Cost of funding earning assets	1.1070%	6,953
Net interest margin	3.5235%	4,849
Noninterest income to average assets	0.7908%	2,451
Noninterest expense to average assets	3.3713%	2,772
Loan and lease loss provision to assets	0.5687%	3,536
Net operating income to assets	0.1638%	5,011
Return on assets (ROA)	0.1638%	5,082
Pretax return on assets	0.1701%	5,073
Return on Equity (ROE)	1.5166%	5,085
Retained earnings to average equity (ytd only)	-1.9833%	5,515
Net charge-offs to loans	1.0505%	2,310
Credit loss provision to net charge-offs	97.3046%	5,713
Earnings coverage of net charge-offs (x)	1.2642%	4,862
Efficiency ratio	82.0238%	2,596
Assets per employee ($millions)	3.1329%	5,907
Cash dividends to net income (ytd only)*	230.7692%	157
Condition Ratios (%)
Loss allowance to loans	2.2521%	1,562
Loan loss allowance to noncurrent loans	74.8306%	3,667
Noncurrent assets plus other real estate owned to assets	1.6486%	3,904
Noncurrent loans to loans	3.0096%	2,563
Net loans and leases to total assets	53.5446%	6,242
Net loans and leases to deposits	61.8524%	6,484
Net loans and leases to core deposits	69.9031%	6,777
Total domestic deposits to total assets	86.5684%	2,723
Equity capital to assets	10.6786%	2,985
Core capital (leverage) ratio	9.7089%	3,441
Tier 1 risk-based capital ratio	20.9854%	1,296
Total risk-based capital ratio	22.2519%	1,264
Memoranda:
Average total assets	$63,477,000	6,221
Average earning assets	$59,799,200	6,131
Average equity	$6,857,400	6,317
Average total loans	$35,315,000	6,340
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6170%	7,397
Cost of funding earning assets	1.1365%	7,077
Net interest margin	3.4805%	4,948
Noninterest income to average assets	0.7809%	2,541
Noninterest expense to average assets	3.2075%	3,277
Loan and lease loss provision to assets	0.7014%	2,630
Net operating income to assets	0.1528%	5,310
Return on assets (ROA)	0.1528%	5,365
Pretax return on assets	0.1549%	5,398
Return on Equity (ROE)	1.4108%	5,368
Retained earnings to average equity (ytd only)	-0.9084%	5,465
Net charge-offs to loans	1.0272%	1,922
Credit loss provision to net charge-offs	122.2628%	4,146
Earnings coverage of net charge-offs (x)	1.4927%	4,666
Efficiency ratio	78.9284%	3,002
Assets per employee ($millions)	3.2262%	5,585
Cash dividends to net income (ytd only)*	164.3892%	249
Condition Ratios (%)
Loss allowance to loans	2.3881%	1,186
Loan loss allowance to noncurrent loans	59.1737%	4,410
Noncurrent assets plus other real estate owned to assets	2.2131%	3,080
Noncurrent loans to loans	4.0357%	1,817
Net loans and leases to total assets	53.5289%	6,441
Net loans and leases to deposits	61.5647%	6,716
Net loans and leases to core deposits	71.4679%	6,877
Total domestic deposits to total assets	86.9475%	2,203
Equity capital to assets	10.7541%	3,242
Core capital (leverage) ratio	9.4496%	3,976
Tier 1 risk-based capital ratio	20.9675%	1,366
Total risk-based capital ratio	22.2352%	1,348
Memoranda:
Average total assets	$63,681,750	6,257
Average earning assets	$60,066,500	6,167
Average equity	$6,899,000	6,352
Average total loans	$35,563,000	6,371
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7368%	7,338
Cost of funding earning assets	1.1466%	7,254
Net interest margin	3.5902%	4,403
Noninterest income to average assets	0.7918%	2,452
Noninterest expense to average assets	3.2712%	3,077
Loan and lease loss provision to assets	0.6151%	2,594
Net operating income to assets	0.2744%	4,997
Return on assets (ROA)	0.2744%	5,101
Pretax return on assets	0.2934%	5,228
Return on Equity (ROE)	2.5270%	5,090
Retained earnings to average equity (ytd only)	-0.9585%	5,468
Net charge-offs to loans	0.5614%	2,643
Credit loss provision to net charge-offs	195.0000%	2,345
Earnings coverage of net charge-offs (x)	2.8800%	3,659
Efficiency ratio	78.2642%	3,308
Assets per employee ($millions)	3.3427%	5,208
Cash dividends to net income (ytd only)*	137.9310%	405
Condition Ratios (%)
Loss allowance to loans	2.4808%	919
Loan loss allowance to noncurrent loans	42.7945%	5,508
Noncurrent assets plus other real estate owned to assets	3.0724%	2,051
Noncurrent loans to loans	5.7970%	964
Net loans and leases to total assets	51.6850%	6,720
Net loans and leases to deposits	58.0303%	7,025
Net loans and leases to core deposits	70.2211%	7,006
Total domestic deposits to total assets	89.0656%	1,236
Equity capital to assets	10.0953%	3,819
Core capital (leverage) ratio	9.4855%	3,910
Tier 1 risk-based capital ratio	20.7277%	1,441
Total risk-based capital ratio	21.9974%	1,400
Memoranda:
Average total assets	$63,401,000	6,317
Average earning assets	$59,829,330	6,232
Average equity	$6,885,670	6,410
Average total loans	$35,622,670	6,428
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0508%	6,794
Cost of funding earning assets	1.1788%	7,342
Net interest margin	3.8721%	3,176
Noninterest income to average assets	0.7912%	2,370
Noninterest expense to average assets	3.4049%	2,342
Loan and lease loss provision to assets	0.7329%	1,749
Net operating income to assets	0.3178%	5,230
Return on assets (ROA)	0.3178%	5,401
Pretax return on assets	0.3178%	5,630
Return on Equity (ROE)	2.8185%	5,441
Retained earnings to average equity (ytd only)	2.8185%	4,307
Net charge-offs to loans	0.9967%	1,346
Credit loss provision to net charge-offs	126.9663%	3,142
Earnings coverage of net charge-offs (x)	1.8202%	3,817
Efficiency ratio	76.4192%	3,420
Assets per employee ($millions)	2.9847%	6,195
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	2.2365%	1,037
Loan loss allowance to noncurrent loans	60.9057%	4,538
Noncurrent assets plus other real estate owned to assets	2.0179%	2,874
Noncurrent loans to loans	3.6721%	1,704
Net loans and leases to total assets	53.7228%	6,499
Net loans and leases to deposits	60.6148%	6,844
Net loans and leases to core deposits	74.5289%	6,775
Total domestic deposits to total assets	88.6298%	1,407
Equity capital to assets	10.5189%	3,442
Core capital (leverage) ratio	10.0083%	3,403
Tier 1 risk-based capital ratio	21.3131%	1,401
Total risk-based capital ratio	22.5822%	1,366
Memoranda:
Average total assets	$61,675,000	6,416
Average earning assets	$58,366,500	6,328
Average equity	$6,954,000	6,429
Average total loans	$35,718,000	6,451
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.8803%	6,133
Cost of funding earning assets	1.7754%	7,074
Net interest margin	4.1050%	2,688
Noninterest income to average assets	0.7439%	2,818
Noninterest expense to average assets	3.6197%	2,095
Loan and lease loss provision to assets	0.4728%	2,938
Net operating income to assets	0.4524%	4,944
Return on assets (ROA)	0.5304%	4,470
Pretax return on assets	0.5626%	4,805
Return on Equity (ROE)	4.5165%	4,592
Retained earnings to average equity (ytd only)	-0.6782%	5,504
Net charge-offs to loans	0.3275%	3,215
Credit loss provision to net charge-offs	240.5172%	1,945
Earnings coverage of net charge-offs (x)	4.8448%	3,837
Efficiency ratio	79.1698%	2,727
Assets per employee ($millions)	2.7470%	6,682
Cash dividends to net income (ytd only)*	115.0160%	738
Condition Ratios (%)
Loss allowance to loans	2.2176%	932
Loan loss allowance to noncurrent loans	60.5405%	4,974
Noncurrent assets plus other real estate owned to assets	2.2449%	2,169
Noncurrent loans to loans	3.6631%	1,377
Net loans and leases to total assets	59.9251%	5,917
Net loans and leases to deposits	68.9780%	6,376
Net loans and leases to core deposits	77.9687%	6,750
Total domestic deposits to total assets	86.8757%	1,993
Equity capital to assets	12.1362%	2,203
Core capital (leverage) ratio	10.7561%	2,775
Tier 1 risk-based capital ratio	22.5438%	1,245
Total risk-based capital ratio	23.8110%	1,219
Memoranda:
Average total assets	$59,010,000	6,415
Average earning assets	$55,031,000	6,369
Average equity	$6,930,200	6,482
Average total loans	$35,422,600	6,397