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The First National Bank in Cooper, 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	3.9580%	4,023
Cost of funding earning assets	0.7427%	3,865
Net interest margin	3.2152%	2,843
Noninterest income to average assets	0.5000%	1,995
Noninterest expense to average assets	2.3263%	2,782
Loan and lease loss provision to assets	0.0000%	3,179
Net operating income to assets	0.9712%	2,303
Return on assets (ROA)	0.9712%	2,290
Pretax return on assets	1.1951%	2,150
Return on Equity (ROE)	8.3900%	2,918
Retained earnings to average equity (ytd only)	2.1778%	3,542
Net charge-offs to loans	0.0035%	2,635
Credit loss provision to net charge-offs	0.0000%	2,397
Earnings coverage of net charge-offs (x)	635.0000%	229
Efficiency ratio	66.0609%	2,346
Assets per employee ($millions)	5.1347%	3,532
Cash dividends to net income (ytd only)*	74.0310%	730
Condition Ratios (%)
Loss allowance to loans	0.8481%	3,862
Loan loss allowance to noncurrent loans	104.9587%	3,198
Noncurrent assets plus other real estate owned to assets	0.4713%	1,188
Noncurrent loans to loans	0.8080%	957
Net loans and leases to total assets	57.8400%	3,054
Net loans and leases to deposits	66.1772%	3,163
Net loans and leases to core deposits	68.3114%	3,390
Total domestic deposits to total assets	87.4000%	1,557
Equity capital to assets	12.4253%	1,002
Core capital (leverage) ratio	10.9285%	2,005
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,896
Memoranda:
Average total assets	$53,132,000	4,289
Average earning assets	$49,949,600	4,249
Average equity	$6,153,000	4,149
Average total loans	$28,478,200	4,162
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8771%	4,029
Cost of funding earning assets	0.6184%	3,938
Net interest margin	3.2586%	2,782
Noninterest income to average assets	0.4800%	2,060
Noninterest expense to average assets	2.2247%	3,012
Loan and lease loss provision to assets	0.0000%	2,992
Net operating income to assets	1.0701%	2,149
Return on assets (ROA)	1.0701%	2,136
Pretax return on assets	1.3189%	1,982
Return on Equity (ROE)	9.4000%	2,825
Retained earnings to average equity (ytd only)	5.6864%	2,721
Net charge-offs to loans	0.0000%	2,666
Credit loss provision to net charge-offs	0.0000%	2,098
Earnings coverage of net charge-offs (x)	0.0000%	2,572
Efficiency ratio	62.7809%	2,633
Assets per employee ($millions)	6.4859%	2,338
Cash dividends to net income (ytd only)*	39.5349%	1,675
Condition Ratios (%)
Loss allowance to loans	0.8809%	3,792
Loan loss allowance to noncurrent loans	108.0169%	3,146
Noncurrent assets plus other real estate owned to assets	0.4568%	1,276
Noncurrent loans to loans	0.8155%	1,015
Net loans and leases to total assets	55.5200%	3,247
Net loans and leases to deposits	63.3071%	3,303
Net loans and leases to core deposits	65.3168%	3,466
Total domestic deposits to total assets	87.6900%	1,670
Equity capital to assets	11.8508%	1,078
Core capital (leverage) ratio	9.6813%	3,117
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,911
Memoranda:
Average total assets	$53,578,250	4,295
Average earning assets	$50,449,250	4,261
Average equity	$6,096,250	4,158
Average total loans	$28,110,000	4,185
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8141%	3,998
Cost of funding earning assets	0.5018%	3,972
Net interest margin	3.3124%	2,720
Noninterest income to average assets	0.4500%	2,141
Noninterest expense to average assets	2.2090%	3,046
Loan and lease loss provision to assets	0.0000%	2,857
Net operating income to assets	1.0860%	2,161
Return on assets (ROA)	1.0860%	2,154
Pretax return on assets	1.3594%	1,923
Return on Equity (ROE)	9.6700%	2,799
Retained earnings to average equity (ytd only)	4.0798%	3,197
Net charge-offs to loans	0.0000%	2,455
Credit loss provision to net charge-offs	0.0000%	1,862
Earnings coverage of net charge-offs (x)	0.0000%	2,403
Efficiency ratio	61.9048%	2,723
Assets per employee ($millions)	5.7852%	2,898
Cash dividends to net income (ytd only)*	57.8231%	1,042
Condition Ratios (%)
Loss allowance to loans	0.9110%	3,745
Loan loss allowance to noncurrent loans	77.3414%	3,450
Noncurrent assets plus other real estate owned to assets	0.6357%	840
Noncurrent loans to loans	1.1779%	599
Net loans and leases to total assets	53.4800%	3,304
Net loans and leases to deposits	60.8275%	3,367
Net loans and leases to core deposits	62.7281%	3,508
Total domestic deposits to total assets	87.9200%	1,636
Equity capital to assets	11.7272%	1,123
Core capital (leverage) ratio	9.7472%	3,007
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,936
Memoranda:
Average total assets	$54,142,000	4,309
Average earning assets	$51,021,000	4,280
Average equity	$6,078,667	4,184
Average total loans	$27,792,667	4,200
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6755%	4,067
Cost of funding earning assets	0.3530%	4,065
Net interest margin	3.3225%	2,825
Noninterest income to average assets	0.4300%	2,210
Noninterest expense to average assets	2.1022%	3,376
Loan and lease loss provision to assets	0.0000%	2,553
Net operating income to assets	1.1454%	2,080
Return on assets (ROA)	1.1454%	2,053
Pretax return on assets	1.4716%	1,727
Return on Equity (ROE)	10.4200%	2,661
Retained earnings to average equity (ytd only)	10.4204%	1,599
Net charge-offs to loans	0.0000%	2,062
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	58.8235%	3,088
Assets per employee ($millions)	5.9892%	2,770
Cash dividends to net income (ytd only)*	0.0000%	2,306
Condition Ratios (%)
Loss allowance to loans	0.9284%	3,778
Loan loss allowance to noncurrent loans	87.3288%	3,428
Noncurrent assets plus other real estate owned to assets	0.5417%	953
Noncurrent loans to loans	1.0631%	679
Net loans and leases to total assets	50.4900%	3,448
Net loans and leases to deposits	57.1918%	3,493
Net loans and leases to core deposits	58.9077%	3,588
Total domestic deposits to total assets	88.2700%	1,833
Equity capital to assets	11.5541%	1,135
Core capital (leverage) ratio	9.6722%	3,038
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,020
Memoranda:
Average total assets	$55,179,500	4,363
Average earning assets	$52,129,500	4,327
Average equity	$6,065,000	4,238
Average total loans	$27,638,500	4,257
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1221%	3,956
Cost of funding earning assets	0.2749%	3,100
Net interest margin	2.8471%	3,800
Noninterest income to average assets	0.4400%	2,437
Noninterest expense to average assets	2.0272%	3,509
Loan and lease loss provision to assets	0.0000%	2,926
Net operating income to assets	0.8994%	2,966
Return on assets (ROA)	0.8994%	2,901
Pretax return on assets	1.0999%	2,766
Return on Equity (ROE)	8.4000%	3,281
Retained earnings to average equity (ytd only)	3.1087%	3,688
Net charge-offs to loans	0.0302%	1,465
Credit loss provision to net charge-offs	0.0000%	1,979
Earnings coverage of net charge-offs (x)	78.8750%	1,093
Efficiency ratio	64.8272%	2,384
Assets per employee ($millions)	7.0570%	1,932
Cash dividends to net income (ytd only)*	62.9845%	856
Condition Ratios (%)
Loss allowance to loans	0.9170%	3,708
Loan loss allowance to noncurrent loans	88.5417%	3,400
Noncurrent assets plus other real estate owned to assets	0.5101%	998
Noncurrent loans to loans	1.0356%	701
Net loans and leases to total assets	48.8100%	3,601
Net loans and leases to deposits	54.5375%	3,648
Net loans and leases to core deposits	55.2638%	3,755
Total domestic deposits to total assets	89.4900%	1,562
Equity capital to assets	10.4542%	1,470
Core capital (leverage) ratio	10.3501%	2,311
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,055
Memoranda:
Average total assets	$57,371,000	4,364
Average earning assets	$54,194,800	4,331
Average equity	$6,144,000	4,313
Average total loans	$26,451,000	4,291
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9544%	3,973
Cost of funding earning assets	0.2744%	2,442
Net interest margin	2.6801%	3,966
Noninterest income to average assets	0.3500%	3,046
Noninterest expense to average assets	1.8958%	3,763
Loan and lease loss provision to assets	0.0000%	2,752
Net operating income to assets	0.8264%	3,151
Return on assets (ROA)	0.8264%	3,117
Pretax return on assets	0.9907%	3,045
Return on Equity (ROE)	7.6700%	3,414
Retained earnings to average equity (ytd only)	4.9855%	3,108
Net charge-offs to loans	0.0357%	1,148
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	61.1429%	1,161
Efficiency ratio	65.6776%	2,325
Assets per employee ($millions)	8.0723%	1,289
Cash dividends to net income (ytd only)*	35.0140%	1,807
Condition Ratios (%)
Loss allowance to loans	0.9413%	3,730
Loan loss allowance to noncurrent loans	85.6667%	3,480
Noncurrent assets plus other real estate owned to assets	0.5309%	1,017
Noncurrent loans to loans	1.0988%	683
Net loans and leases to total assets	47.8600%	3,640
Net loans and leases to deposits	53.5004%	3,634
Net loans and leases to core deposits	54.2147%	3,729
Total domestic deposits to total assets	89.4600%	1,887
Equity capital to assets	10.2732%	1,478
Core capital (leverage) ratio	9.8181%	2,741
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,120
Memoranda:
Average total assets	$57,599,750	4,399
Average earning assets	$54,425,250	4,365
Average equity	$6,204,500	4,351
Average total loans	$26,111,500	4,332
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.7993%	3,980
Cost of funding earning assets	0.2737%	1,974
Net interest margin	2.5255%	4,044
Noninterest income to average assets	0.4313%	2,564
Noninterest expense to average assets	1.9633%	3,542
Loan and lease loss provision to assets	0.0000%	2,599
Net operating income to assets	0.7418%	3,169
Return on assets (ROA)	0.7418%	3,127
Pretax return on assets	0.8557%	3,188
Return on Equity (ROE)	6.7848%	3,367
Retained earnings to average equity (ytd only)	2.8402%	3,493
Net charge-offs to loans	0.0544%	846
Credit loss provision to net charge-offs	0.0000%	1,663
Earnings coverage of net charge-offs (x)	35.4286%	1,316
Efficiency ratio	69.6450%	2,011
Assets per employee ($millions)	6.5732%	2,260
Cash dividends to net income (ytd only)*	58.1395%	1,124
Condition Ratios (%)
Loss allowance to loans	0.9252%	3,879
Loan loss allowance to noncurrent loans	86.8243%	3,484
Noncurrent assets plus other real estate owned to assets	0.5003%	1,140
Noncurrent loans to loans	1.0656%	778
Net loans and leases to total assets	46.5204%	3,679
Net loans and leases to deposits	51.8980%	3,692
Net loans and leases to core deposits	52.5591%	3,783
Total domestic deposits to total assets	89.6381%	1,877
Equity capital to assets	10.1743%	1,609
Core capital (leverage) ratio	10.2234%	2,165
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$57,964,333	4,436
Average earning assets	$54,800,333	4,416
Average equity	$6,337,667	4,381
Average total loans	$25,714,667	4,399
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.6841%	3,979
Cost of funding earning assets	0.2802%	1,818
Net interest margin	2.4039%	4,062
Noninterest income to average assets	0.4044%	2,655
Noninterest expense to average assets	1.9175%	3,642
Loan and lease loss provision to assets	0.0000%	2,285
Net operating income to assets	0.6763%	3,138
Return on assets (ROA)	0.6763%	3,123
Pretax return on assets	0.7600%	3,225
Return on Equity (ROE)	5.9720%	3,353
Retained earnings to average equity (ytd only)	5.9720%	2,265
Net charge-offs to loans	0.1134%	480
Credit loss provision to net charge-offs	0.0000%	1,336
Earnings coverage of net charge-offs (x)	15.5714%	1,348
Efficiency ratio	71.6146%	2,027
Assets per employee ($millions)	6.4304%	2,432
Cash dividends to net income (ytd only)*	0.0000%	2,254
Condition Ratios (%)
Loss allowance to loans	0.9888%	3,770
Loan loss allowance to noncurrent loans	72.3944%	3,632
Noncurrent assets plus other real estate owned to assets	0.6134%	973
Noncurrent loans to loans	1.3659%	633
Net loans and leases to total assets	44.4638%	3,709
Net loans and leases to deposits	49.9069%	3,738
Net loans and leases to core deposits	50.5709%	3,841
Total domestic deposits to total assets	89.0935%	2,036
Equity capital to assets	10.7976%	1,442
Core capital (leverage) ratio	10.3793%	1,948
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$57,367,000	4,467
Average earning assets	$54,246,000	4,441
Average equity	$6,497,000	4,413
Average total loans	$24,683,000	4,431
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.6085%	4,399
Cost of funding earning assets	0.3213%	2,184
Net interest margin	2.2871%	4,423
Noninterest income to average assets	0.6088%	2,114
Noninterest expense to average assets	2.0951%	3,403
Loan and lease loss provision to assets	0.0000%	3,064
Net operating income to assets	0.5656%	3,944
Return on assets (ROA)	0.5656%	3,992
Pretax return on assets	0.6802%	3,970
Return on Equity (ROE)	4.4286%	4,119
Retained earnings to average equity (ytd only)	2.0157%	3,976
Net charge-offs to loans	0.0188%	1,904
Credit loss provision to net charge-offs	0.0000%	2,330
Earnings coverage of net charge-offs (x)	90.5000%	925
Efficiency ratio	75.4909%	1,156
Assets per employee ($millions)	5.6860%	3,073
Cash dividends to net income (ytd only)*	54.4850%	1,301
Condition Ratios (%)
Loss allowance to loans	1.1294%	3,233
Loan loss allowance to noncurrent loans	85.7143%	3,546
Noncurrent assets plus other real estate owned to assets	0.5417%	1,218
Noncurrent loans to loans	1.3176%	713
Net loans and leases to total assets	40.6472%	4,054
Net loans and leases to deposits	46.1658%	4,084
Net loans and leases to core deposits	46.7977%	4,151
Total domestic deposits to total assets	88.0461%	2,018
Equity capital to assets	11.8625%	1,311
Core capital (leverage) ratio	11.3198%	1,385
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$53,218,800	4,533
Average earning assets	$50,412,800	4,503
Average equity	$6,796,800	4,445
Average total loans	$21,260,800	4,545
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.5924%	4,506
Cost of funding earning assets	0.3281%	2,322
Net interest margin	2.2643%	4,516
Noninterest income to average assets	0.6525%	1,998
Noninterest expense to average assets	2.1105%	3,331
Loan and lease loss provision to assets	0.0000%	2,963
Net operating income to assets	0.5786%	4,043
Return on assets (ROA)	0.5786%	4,090
Pretax return on assets	0.6882%	4,081
Return on Equity (ROE)	4.4445%	4,236
Retained earnings to average equity (ytd only)	3.2306%	3,818
Net charge-offs to loans	0.0129%	1,854
Credit loss provision to net charge-offs	0.0000%	2,044
Earnings coverage of net charge-offs (x)	135.0000%	722
Efficiency ratio	75.4098%	1,083
Assets per employee ($millions)	5.8242%	2,859
Cash dividends to net income (ytd only)*	27.3128%	2,210
Condition Ratios (%)
Loss allowance to loans	1.1919%	3,026
Loan loss allowance to noncurrent loans	85.8065%	3,554
Noncurrent assets plus other real estate owned to assets	0.5323%	1,431
Noncurrent loans to loans	1.3890%	768
Net loans and leases to total assets	37.8627%	4,306
Net loans and leases to deposits	43.0930%	4,345
Net loans and leases to core deposits	43.8994%	4,384
Total domestic deposits to total assets	87.8627%	1,927
Equity capital to assets	11.8403%	1,472
Core capital (leverage) ratio	12.3171%	1,040
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$52,308,500	4,603
Average earning assets	$49,580,500	4,575
Average equity	$6,809,750	4,507
Average total loans	$20,732,000	4,623
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.5715%	4,568
Cost of funding earning assets	0.3398%	2,410
Net interest margin	2.2317%	4,575
Noninterest income to average assets	0.7987%	1,536
Noninterest expense to average assets	2.2173%	3,025
Loan and lease loss provision to assets	0.0000%	2,862
Net operating income to assets	0.5603%	4,070
Return on assets (ROA)	0.5603%	4,123
Pretax return on assets	0.6954%	4,074
Return on Equity (ROE)	4.1587%	4,305
Retained earnings to average equity (ytd only)	2.3300%	4,042
Net charge-offs to loans	0.0198%	1,543
Credit loss provision to net charge-offs	0.0000%	1,801
Earnings coverage of net charge-offs (x)	87.5000%	801
Efficiency ratio	76.1255%	1,074
Assets per employee ($millions)	5.8811%	2,732
Cash dividends to net income (ytd only)*	43.9716%	1,429
Condition Ratios (%)
Loss allowance to loans	1.3280%	2,303
Loan loss allowance to noncurrent loans	83.0721%	3,547
Noncurrent assets plus other real estate owned to assets	0.6027%	1,390
Noncurrent loans to loans	1.5986%	689
Net loans and leases to total assets	37.2001%	4,419
Net loans and leases to deposits	42.8025%	4,431
Net loans and leases to core deposits	43.6944%	4,462
Total domestic deposits to total assets	86.9110%	2,375
Equity capital to assets	12.8302%	1,006
Core capital (leverage) ratio	12.7786%	853
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$50,330,667	4,649
Average earning assets	$47,676,000	4,627
Average equity	$6,781,000	4,529
Average total loans	$20,203,333	4,663
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.6011%	4,572
Cost of funding earning assets	0.3531%	2,497
Net interest margin	2.2480%	4,569
Noninterest income to average assets	1.1585%	903
Noninterest expense to average assets	2.2435%	2,965
Loan and lease loss provision to assets	0.0000%	2,741
Net operating income to assets	0.7995%	3,426
Return on assets (ROA)	0.7995%	3,496
Pretax return on assets	1.0442%	3,245
Return on Equity (ROE)	5.7851%	3,921
Retained earnings to average equity (ytd only)	5.7851%	2,971
Net charge-offs to loans	0.0394%	1,077
Credit loss provision to net charge-offs	0.0000%	1,471
Earnings coverage of net charge-offs (x)	64.0000%	795
Efficiency ratio	68.2382%	1,903
Assets per employee ($millions)	5.8398%	2,755
Cash dividends to net income (ytd only)*	0.0000%	2,433
Condition Ratios (%)
Loss allowance to loans	1.3297%	2,297
Loan loss allowance to noncurrent loans	84.9840%	3,535
Noncurrent assets plus other real estate owned to assets	0.5955%	1,605
Noncurrent loans to loans	1.5647%	779
Net loans and leases to total assets	37.5547%	4,434
Net loans and leases to deposits	43.2490%	4,456
Net loans and leases to core deposits	44.0718%	4,494
Total domestic deposits to total assets	86.8336%	2,378
Equity capital to assets	12.9438%	927
Core capital (leverage) ratio	13.6830%	705
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$49,031,000	4,683
Average earning assets	$46,441,000	4,654
Average equity	$6,776,000	4,547
Average total loans	$20,327,500	4,684
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2631%	4,376
Cost of funding earning assets	0.4572%	3,242
Net interest margin	2.8059%	4,257
Noninterest income to average assets	0.5125%	2,579
Noninterest expense to average assets	2.4074%	3,116
Loan and lease loss provision to assets	0.0000%	4,319
Net operating income to assets	0.5979%	3,764
Return on assets (ROA)	0.5979%	3,875
Pretax return on assets	0.7260%	3,822
Return on Equity (ROE)	3.9557%	4,169
Retained earnings to average equity (ytd only)	1.7251%	3,935
Net charge-offs to loans	-0.4152%	4,942
Credit loss provision to net charge-offs	0.0000%	3,264
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.8293%	1,136
Assets per employee ($millions)	5.6880%	2,638
Cash dividends to net income (ytd only)*	56.3910%	1,526
Condition Ratios (%)
Loss allowance to loans	1.2978%	2,423
Loan loss allowance to noncurrent loans	82.4615%	3,569
Noncurrent assets plus other real estate owned to assets	0.7142%	1,457
Noncurrent loans to loans	1.5738%	840
Net loans and leases to total assets	44.7939%	4,208
Net loans and leases to deposits	52.6978%	4,186
Net loans and leases to core deposits	53.5141%	4,282
Total domestic deposits to total assets	85.0013%	2,759
Equity capital to assets	14.8317%	602
Core capital (leverage) ratio	14.5067%	591
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$44,487,800	4,715
Average earning assets	$41,555,400	4,698
Average equity	$6,724,400	4,558
Average total loans	$20,956,200	4,694
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3358%	4,430
Cost of funding earning assets	0.4747%	3,396
Net interest margin	2.8611%	4,245
Noninterest income to average assets	0.5064%	2,594
Noninterest expense to average assets	2.3993%	3,134
Loan and lease loss provision to assets	0.0000%	4,239
Net operating income to assets	0.6390%	3,667
Return on assets (ROA)	0.6390%	3,759
Pretax return on assets	0.7777%	3,709
Return on Equity (ROE)	4.2073%	4,116
Retained earnings to average equity (ytd only)	4.2073%	2,943
Net charge-offs to loans	0.0317%	2,196
Credit loss provision to net charge-offs	0.0000%	3,006
Earnings coverage of net charge-offs (x)	51.6000%	1,175
Efficiency ratio	75.5218%	1,248
Assets per employee ($millions)	5.5890%	2,633
Cash dividends to net income (ytd only)*	0.0000%	3,332
Condition Ratios (%)
Loss allowance to loans	0.8312%	4,282
Loan loss allowance to noncurrent loans	54.3210%	3,967
Noncurrent assets plus other real estate owned to assets	0.7246%	1,611
Noncurrent loans to loans	1.5301%	926
Net loans and leases to total assets	46.9650%	4,269
Net loans and leases to deposits	55.7772%	4,272
Net loans and leases to core deposits	56.6576%	4,355
Total domestic deposits to total assets	84.2011%	2,754
Equity capital to assets	15.3158%	567
Core capital (leverage) ratio	15.2392%	505
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$44,233,750	4,741
Average earning assets	$41,288,500	4,722
Average equity	$6,718,250	4,577
Average total loans	$21,032,500	4,724
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4090%	4,531
Cost of funding earning assets	0.4926%	3,581
Net interest margin	2.9165%	4,282
Noninterest income to average assets	0.4719%	2,702
Noninterest expense to average assets	2.3869%	3,292
Loan and lease loss provision to assets	0.0000%	4,134
Net operating income to assets	0.6353%	3,625
Return on assets (ROA)	0.6353%	3,710
Pretax return on assets	0.7987%	3,589
Return on Equity (ROE)	4.1948%	4,052
Retained earnings to average equity (ytd only)	4.1948%	2,822
Net charge-offs to loans	0.0477%	1,802
Credit loss provision to net charge-offs	0.0000%	2,759
Earnings coverage of net charge-offs (x)	35.2000%	1,328
Efficiency ratio	74.9288%	1,374
Assets per employee ($millions)	4.4469%	3,858
Cash dividends to net income (ytd only)*	0.0000%	3,182
Condition Ratios (%)
Loss allowance to loans	0.8251%	4,274
Loan loss allowance to noncurrent loans	52.2255%	4,023
Noncurrent assets plus other real estate owned to assets	0.7578%	1,634
Noncurrent loans to loans	1.5798%	942
Net loans and leases to total assets	47.5747%	4,281
Net loans and leases to deposits	56.3934%	4,279
Net loans and leases to core deposits	57.2868%	4,386
Total domestic deposits to total assets	84.3621%	2,607
Equity capital to assets	15.2196%	584
Core capital (leverage) ratio	15.4313%	508
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$44,074,333	4,765
Average earning assets	$41,008,667	4,748
Average equity	$6,675,000	4,606
Average total loans	$20,985,000	4,752
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5989%	4,525
Cost of funding earning assets	0.5015%	3,938
Net interest margin	3.0974%	4,101
Noninterest income to average assets	0.4832%	2,641
Noninterest expense to average assets	2.3611%	3,622
Loan and lease loss provision to assets	0.0000%	3,711
Net operating income to assets	0.7567%	3,070
Return on assets (ROA)	0.7567%	3,146
Pretax return on assets	0.9937%	2,861
Return on Equity (ROE)	5.0087%	3,628
Retained earnings to average equity (ytd only)	5.0087%	2,274
Net charge-offs to loans	0.0384%	1,656
Credit loss provision to net charge-offs	0.0000%	2,252
Earnings coverage of net charge-offs (x)	54.5000%	845
Efficiency ratio	70.3804%	2,296
Assets per employee ($millions)	5.3489%	2,275
Cash dividends to net income (ytd only)*	0.0000%	2,581
Condition Ratios (%)
Loss allowance to loans	0.8600%	4,247
Loan loss allowance to noncurrent loans	56.1514%	3,981
Noncurrent assets plus other real estate owned to assets	0.7408%	1,820
Noncurrent loans to loans	1.5316%	1,036
Net loans and leases to total assets	47.9517%	4,339
Net loans and leases to deposits	57.0559%	4,319
Net loans and leases to core deposits	57.9944%	4,434
Total domestic deposits to total assets	84.0434%	2,775
Equity capital to assets	15.5804%	657
Core capital (leverage) ratio	15.2783%	630
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$43,877,000	4,800
Average earning assets	$40,679,000	4,784
Average equity	$6,628,500	4,645
Average total loans	$20,811,500	4,790
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7952%	4,575
Cost of funding earning assets	0.4351%	4,320
Net interest margin	3.3601%	3,851
Noninterest income to average assets	0.5675%	2,386
Noninterest expense to average assets	2.3668%	3,779
Loan and lease loss provision to assets	0.0132%	3,752
Net operating income to assets	1.0536%	2,642
Return on assets (ROA)	1.0536%	2,735
Pretax return on assets	1.3132%	2,461
Return on Equity (ROE)	7.3674%	3,416
Retained earnings to average equity (ytd only)	2.3379%	3,855
Net charge-offs to loans	0.0048%	3,504
Credit loss provision to net charge-offs	600.0000%	512
Earnings coverage of net charge-offs (x)	603.0000%	166
Efficiency ratio	64.0858%	3,063
Assets per employee ($millions)	5.6204%	1,953
Cash dividends to net income (ytd only)*	68.2672%	1,205
Condition Ratios (%)
Loss allowance to loans	0.8650%	4,105
Loan loss allowance to noncurrent loans	70.9804%	3,745
Noncurrent assets plus other real estate owned to assets	0.5671%	2,186
Noncurrent loans to loans	1.2186%	1,228
Net loans and leases to total assets	46.1379%	4,513
Net loans and leases to deposits	54.2353%	4,522
Net loans and leases to core deposits	55.0703%	4,619
Total domestic deposits to total assets	85.0699%	2,465
Equity capital to assets	14.6565%	881
Core capital (leverage) ratio	14.8247%	725
Tier 1 risk-based capital ratio	47.5777%	153
Total risk-based capital ratio	48.8232%	148
Memoranda:
Average total assets	$45,462,000	4,822
Average earning assets	$42,290,600	4,811
Average equity	$6,501,600	4,696
Average total loans	$20,903,600	4,841
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8133%	4,660
Cost of funding earning assets	0.4212%	4,430
Net interest margin	3.3920%	3,880
Noninterest income to average assets	0.5820%	2,302
Noninterest expense to average assets	2.3574%	3,803
Loan and lease loss provision to assets	0.0175%	3,561
Net operating income to assets	1.1114%	2,533
Return on assets (ROA)	1.1114%	2,618
Pretax return on assets	1.3629%	2,448
Return on Equity (ROE)	7.8193%	3,376
Retained earnings to average equity (ytd only)	4.3829%	3,205
Net charge-offs to loans	0.0064%	3,156
Credit loss provision to net charge-offs	600.0000%	537
Earnings coverage of net charge-offs (x)	473.1729%	209
Efficiency ratio	63.0673%	3,148
Assets per employee ($millions)	4.4787%	3,246
Cash dividends to net income (ytd only)*	43.9475%	1,978
Condition Ratios (%)
Loss allowance to loans	0.8755%	4,135
Loan loss allowance to noncurrent loans	48.5255%	4,196
Noncurrent assets plus other real estate owned to assets	0.8328%	1,653
Noncurrent loans to loans	1.8041%	791
Net loans and leases to total assets	45.7588%	4,613
Net loans and leases to deposits	54.0667%	4,623
Net loans and leases to core deposits	54.8893%	4,720
Total domestic deposits to total assets	84.6339%	2,562
Equity capital to assets	14.8302%	897
Core capital (leverage) ratio	14.8957%	761
Tier 1 risk-based capital ratio	48.2213%	148
Total risk-based capital ratio	49.4700%	148
Memoranda:
Average total assets	$45,586,750	4,891
Average earning assets	$42,412,250	4,875
Average equity	$6,479,500	4,758
Average total loans	$20,898,000	4,914
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7149%	4,817
Cost of funding earning assets	0.4076%	4,478
Net interest margin	3.3073%	4,124
Noninterest income to average assets	0.5932%	2,183
Noninterest expense to average assets	2.3771%	3,798
Loan and lease loss provision to assets	0.0262%	3,296
Net operating income to assets	1.0163%	2,857
Return on assets (ROA)	1.0163%	2,939
Pretax return on assets	1.2693%	2,677
Return on Equity (ROE)	7.2525%	3,580
Retained earnings to average equity (ytd only)	2.0544%	4,093
Net charge-offs to loans	0.0095%	2,793
Credit loss provision to net charge-offs	600.0000%	523
Earnings coverage of net charge-offs (x)	297.0000%	268
Efficiency ratio	64.7268%	3,014
Assets per employee ($millions)	4.4585%	3,208
Cash dividends to net income (ytd only)*	71.6738%	1,049
Condition Ratios (%)
Loss allowance to loans	0.8684%	4,204
Loan loss allowance to noncurrent loans	74.1803%	3,761
Noncurrent assets plus other real estate owned to assets	0.5473%	2,367
Noncurrent loans to loans	1.1707%	1,379
Net loans and leases to total assets	46.3407%	4,629
Net loans and leases to deposits	54.5390%	4,663
Net loans and leases to core deposits	55.3810%	4,734
Total domestic deposits to total assets	84.9680%	2,491
Equity capital to assets	14.6125%	917
Core capital (leverage) ratio	14.2340%	896
Tier 1 risk-based capital ratio	44.0693%	184
Total risk-based capital ratio	45.2989%	183
Memoranda:
Average total assets	$45,853,330	4,931
Average earning assets	$42,693,330	4,916
Average equity	$6,425,330	4,789
Average total loans	$20,972,330	4,956
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6084%	4,962
Cost of funding earning assets	0.3876%	4,539
Net interest margin	3.2208%	4,344
Noninterest income to average assets	0.6281%	1,923
Noninterest expense to average assets	2.3318%	3,945
Loan and lease loss provision to assets	0.0516%	2,623
Net operating income to assets	0.9895%	2,886
Return on assets (ROA)	0.9895%	2,923
Pretax return on assets	1.2476%	2,640
Return on Equity (ROE)	7.2095%	3,588
Retained earnings to average equity (ytd only)	7.2095%	1,965
Net charge-offs to loans	0.0000%	2,740
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	64.2180%	3,200
Assets per employee ($millions)	4.6529%	2,980
Cash dividends to net income (ytd only)*	0.0000%	2,768
Condition Ratios (%)
Loss allowance to loans	0.8736%	4,263
Loan loss allowance to noncurrent loans	2,022.2222%	321
Noncurrent assets plus other real estate owned to assets	0.0193%	4,766
Noncurrent loans to loans	0.0432%	4,570
Net loans and leases to total assets	44.3852%	4,733
Net loans and leases to deposits	51.7802%	4,760
Net loans and leases to core deposits	53.4735%	4,802
Total domestic deposits to total assets	85.7186%	2,399
Equity capital to assets	13.9719%	1,047
Core capital (leverage) ratio	14.2114%	895
Tier 1 risk-based capital ratio	45.8038%	163
Total risk-based capital ratio	47.0799%	161
Memoranda:
Average total assets	$46,487,500	4,968
Average earning assets	$43,343,500	4,954
Average equity	$6,380,500	4,830
Average total loans	$21,037,500	5,012
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6651%	4,717
Cost of funding earning assets	0.3011%	4,567
Net interest margin	3.3640%	4,092
Noninterest income to average assets	0.5352%	2,635
Noninterest expense to average assets	2.3662%	3,965
Loan and lease loss provision to assets	0.1820%	1,074
Net operating income to assets	0.9014%	3,432
Return on assets (ROA)	0.9014%	3,427
Pretax return on assets	1.1094%	3,231
Return on Equity (ROE)	6.7303%	3,918
Retained earnings to average equity (ytd only)	2.3621%	4,197
Net charge-offs to loans	0.4182%	439
Credit loss provision to net charge-offs	94.3820%	2,658
Earnings coverage of net charge-offs (x)	6.6966%	3,061
Efficiency ratio	64.6919%	3,087
Assets per employee ($millions)	4.6446%	2,968
Cash dividends to net income (ytd only)*	64.9038%	1,280
Condition Ratios (%)
Loss allowance to loans	0.8286%	4,437
Loan loss allowance to noncurrent loans	110.6918%	3,259
Noncurrent assets plus other real estate owned to assets	0.4478%	2,774
Noncurrent loans to loans	0.7486%	2,124
Net loans and leases to total assets	45.3537%	4,766
Net loans and leases to deposits	52.4932%	4,807
Net loans and leases to core deposits	54.1990%	4,840
Total domestic deposits to total assets	86.3993%	2,055
Equity capital to assets	13.4780%	1,153
Core capital (leverage) ratio	13.9405%	936
Tier 1 risk-based capital ratio	44.0964%	185
Total risk-based capital ratio	45.3053%	183
Memoranda:
Average total assets	$46,149,400	5,016
Average earning assets	$42,836,000	4,999
Average equity	$6,181,000	4,867
Average total loans	$21,284,000	5,046
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6362%	4,742
Cost of funding earning assets	0.2804%	4,630
Net interest margin	3.3558%	4,145
Noninterest income to average assets	0.5353%	2,644
Noninterest expense to average assets	2.3844%	3,887
Loan and lease loss provision to assets	0.2431%	648
Net operating income to assets	0.8218%	3,835
Return on assets (ROA)	0.8218%	3,848
Pretax return on assets	1.0244%	3,650
Return on Equity (ROE)	6.1458%	4,228
Retained earnings to average equity (ytd only)	4.1982%	3,676
Net charge-offs to loans	0.5572%	268
Credit loss provision to net charge-offs	94.3820%	2,372
Earnings coverage of net charge-offs (x)	4.9215%	3,011
Efficiency ratio	65.2932%	2,987
Assets per employee ($millions)	5.7813%	1,661
Cash dividends to net income (ytd only)*	31.6907%	2,460
Condition Ratios (%)
Loss allowance to loans	0.8070%	4,590
Loan loss allowance to noncurrent loans	91.1917%	3,610
Noncurrent assets plus other real estate owned to assets	0.4843%	2,753
Noncurrent loans to loans	0.8849%	1,928
Net loans and leases to total assets	46.7762%	4,765
Net loans and leases to deposits	54.2301%	4,814
Net loans and leases to core deposits	55.5487%	4,856
Total domestic deposits to total assets	86.2551%	2,078
Equity capital to assets	13.4443%	1,156
Core capital (leverage) ratio	13.0986%	1,239
Tier 1 risk-based capital ratio	39.4190%	242
Total risk-based capital ratio	40.5943%	241
Memoranda:
Average total assets	$46,075,250	5,066
Average earning assets	$42,790,500	5,055
Average equity	$6,161,250	4,926
Average total loans	$21,294,750	5,106
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6457%	4,691
Cost of funding earning assets	0.2714%	4,624
Net interest margin	3.3742%	4,038
Noninterest income to average assets	0.5433%	2,608
Noninterest expense to average assets	2.4339%	3,810
Loan and lease loss provision to assets	0.3651%	350
Net operating income to assets	0.6737%	4,271
Return on assets (ROA)	0.6737%	4,276
Pretax return on assets	0.8779%	4,032
Return on Equity (ROE)	5.0469%	4,537
Retained earnings to average equity (ytd only)	2.1165%	4,422
Net charge-offs to loans	0.7669%	184
Credit loss provision to net charge-offs	103.7037%	1,965
Earnings coverage of net charge-offs (x)	3.5309%	2,869
Efficiency ratio	66.1939%	2,941
Assets per employee ($millions)	4.5394%	3,069
Cash dividends to net income (ytd only)*	58.0645%	1,393
Condition Ratios (%)
Loss allowance to loans	0.8667%	4,488
Loan loss allowance to noncurrent loans	108.2353%	3,317
Noncurrent assets plus other real estate owned to assets	0.4142%	3,067
Noncurrent loans to loans	0.8008%	2,128
Net loans and leases to total assets	46.3608%	4,804
Net loans and leases to deposits	53.7548%	4,854
Net loans and leases to core deposits	55.0873%	4,894
Total domestic deposits to total assets	86.2449%	2,169
Equity capital to assets	13.5150%	1,099
Core capital (leverage) ratio	12.8372%	1,304
Tier 1 risk-based capital ratio	39.7442%	231
Total risk-based capital ratio	39.7442%	249
Memoranda:
Average total assets	$46,017,000	5,122
Average earning assets	$42,735,670	5,113
Average equity	$6,142,330	4,983
Average total loans	$21,123,000	5,171
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5344%	4,818
Cost of funding earning assets	0.2783%	4,521
Net interest margin	3.2561%	4,297
Noninterest income to average assets	0.6044%	2,237
Noninterest expense to average assets	2.5039%	3,631
Loan and lease loss provision to assets	0.7253%	132
Net operating income to assets	0.2158%	5,224
Return on assets (ROA)	0.2158%	5,223
Pretax return on assets	0.4058%	5,028
Return on Equity (ROE)	1.6271%	5,231
Retained earnings to average equity (ytd only)	1.6271%	4,453
Net charge-offs to loans	1.9744%	61
Credit loss provision to net charge-offs	80.7692%	1,744
Earnings coverage of net charge-offs (x)	1.2596%	2,576
Efficiency ratio	68.8836%	2,684
Assets per employee ($millions)	4.6394%	2,947
Cash dividends to net income (ytd only)*	0.0000%	2,749
Condition Ratios (%)
Loss allowance to loans	0.7577%	4,899
Loan loss allowance to noncurrent loans	24.3570%	4,874
Noncurrent assets plus other real estate owned to assets	1.4248%	1,005
Noncurrent loans to loans	3.1107%	374
Net loans and leases to total assets	45.4542%	4,821
Net loans and leases to deposits	52.4421%	4,865
Net loans and leases to core deposits	54.1079%	4,911
Total domestic deposits to total assets	86.6750%	2,247
Equity capital to assets	13.1547%	1,170
Core capital (leverage) ratio	12.9801%	1,186
Tier 1 risk-based capital ratio	38.7298%	243
Total risk-based capital ratio	39.8945%	243
Memoranda:
Average total assets	$46,328,500	5,179
Average earning assets	$43,119,000	5,161
Average equity	$6,146,000	5,034
Average total loans	$21,070,000	5,229
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2851%	5,098
Cost of funding earning assets	0.2640%	4,451
Net interest margin	3.0212%	4,839
Noninterest income to average assets	0.5544%	2,688
Noninterest expense to average assets	2.2755%	4,400
Loan and lease loss provision to assets	0.1241%	1,842
Net operating income to assets	0.7741%	3,279
Return on assets (ROA)	0.7840%	3,269
Pretax return on assets	0.9847%	3,633
Return on Equity (ROE)	6.1313%	3,702
Retained earnings to average equity (ytd only)	2.6531%	3,739
Net charge-offs to loans	0.7088%	298
Credit loss provision to net charge-offs	42.8571%	3,413
Earnings coverage of net charge-offs (x)	3.7857%	3,557
Efficiency ratio	67.4847%	3,000
Assets per employee ($millions)	4.6263%	2,989
Cash dividends to net income (ytd only)*	56.7282%	1,923
Condition Ratios (%)
Loss allowance to loans	0.8664%	4,603
Loan loss allowance to noncurrent loans	34.0866%	4,791
Noncurrent assets plus other real estate owned to assets	1.3704%	1,033
Noncurrent loans to loans	2.5418%	519
Net loans and leases to total assets	44.7658%	4,944
Net loans and leases to deposits	51.7815%	4,997
Net loans and leases to core deposits	53.4328%	5,020
Total domestic deposits to total assets	86.4514%	2,252
Equity capital to assets	13.3779%	1,107
Core capital (leverage) ratio	13.6771%	916
Tier 1 risk-based capital ratio	41.7671%	190
Total risk-based capital ratio	42.9722%	187
Memoranda:
Average total assets	$48,340,000	5,188
Average earning assets	$45,082,000	5,170
Average equity	$6,181,400	5,071
Average total loans	$19,752,200	5,323
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1792%	5,255
Cost of funding earning assets	0.2571%	4,505
Net interest margin	2.9220%	5,062
Noninterest income to average assets	0.5758%	2,601
Noninterest expense to average assets	2.2404%	4,446
Loan and lease loss provision to assets	0.1419%	1,491
Net operating income to assets	0.6877%	4,037
Return on assets (ROA)	0.6959%	4,072
Pretax return on assets	0.9333%	3,924
Return on Equity (ROE)	5.5019%	4,318
Retained earnings to average equity (ytd only)	3.5600%	3,794
Net charge-offs to loans	0.8835%	206
Credit loss provision to net charge-offs	40.3101%	2,998
Earnings coverage of net charge-offs (x)	3.0232%	3,390
Efficiency ratio	67.7952%	2,913
Assets per employee ($millions)	4.5709%	3,011
Cash dividends to net income (ytd only)*	35.2952%	2,501
Condition Ratios (%)
Loss allowance to loans	0.9331%	4,416
Loan loss allowance to noncurrent loans	30.4636%	4,931
Noncurrent assets plus other real estate owned to assets	1.5402%	973
Noncurrent loans to loans	3.0630%	403
Net loans and leases to total assets	42.7378%	5,088
Net loans and leases to deposits	49.8876%	5,130
Net loans and leases to core deposits	51.5136%	5,153
Total domestic deposits to total assets	85.6680%	2,445
Equity capital to assets	13.7697%	1,057
Core capital (leverage) ratio	13.2928%	1,109
Tier 1 risk-based capital ratio	37.7482%	264
Total risk-based capital ratio	38.8555%	263
Memoranda:
Average total assets	$48,859,250	5,237
Average earning assets	$45,629,000	5,214
Average equity	$6,179,500	5,129
Average total loans	$19,467,500	5,386
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0709%	5,375
Cost of funding earning assets	0.2741%	4,341
Net interest margin	2.7968%	5,251
Noninterest income to average assets	0.5250%	2,860
Noninterest expense to average assets	2.1880%	4,580
Loan and lease loss provision to assets	0.2084%	855
Net operating income to assets	0.5846%	4,372
Return on assets (ROA)	0.5971%	4,364
Pretax return on assets	0.7614%	4,400
Return on Equity (ROE)	4.8524%	4,534
Retained earnings to average equity (ytd only)	1.9214%	4,483
Net charge-offs to loans	1.3310%	137
Credit loss provision to net charge-offs	40.3101%	2,643
Earnings coverage of net charge-offs (x)	1.8450%	3,236
Efficiency ratio	69.6429%	2,741
Assets per employee ($millions)	4.7557%	2,709
Cash dividends to net income (ytd only)*	60.4027%	1,480
Condition Ratios (%)
Loss allowance to loans	0.9180%	4,565
Loan loss allowance to noncurrent loans	42.0091%	4,759
Noncurrent assets plus other real estate owned to assets	1.0955%	1,595
Noncurrent loans to loans	2.1852%	742
Net loans and leases to total assets	41.7604%	5,153
Net loans and leases to deposits	48.2566%	5,205
Net loans and leases to core deposits	50.7047%	5,195
Total domestic deposits to total assets	86.5383%	2,156
Equity capital to assets	13.0412%	1,356
Core capital (leverage) ratio	12.6880%	1,300
Tier 1 risk-based capital ratio	32.5832%	383
Total risk-based capital ratio	33.5552%	382
Memoranda:
Average total assets	$49,909,330	5,250
Average earning assets	$46,695,670	5,223
Average equity	$6,141,330	5,166
Average total loans	$19,383,670	5,430
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.7482%	5,622
Cost of funding earning assets	0.2673%	4,383
Net interest margin	2.4809%	5,564
Noninterest income to average assets	0.5168%	2,857
Noninterest expense to average assets	2.0906%	4,873
Loan and lease loss provision to assets	0.4072%	273
Net operating income to assets	0.3054%	5,179
Return on assets (ROA)	0.3054%	5,200
Pretax return on assets	0.3445%	5,240
Return on Equity (ROE)	2.5528%	5,214
Retained earnings to average equity (ytd only)	2.5528%	4,117
Net charge-offs to loans	2.7292%	63
Credit loss provision to net charge-offs	40.0000%	2,060
Earnings coverage of net charge-offs (x)	0.7385%	2,801
Efficiency ratio	73.5537%	2,311
Assets per employee ($millions)	5.0165%	2,423
Cash dividends to net income (ytd only)*	0.0000%	2,824
Condition Ratios (%)
Loss allowance to loans	0.9662%	4,464
Loan loss allowance to noncurrent loans	44.7433%	4,758
Noncurrent assets plus other real estate owned to assets	0.9429%	1,950
Noncurrent loans to loans	2.1595%	793
Net loans and leases to total assets	37.3906%	5,353
Net loans and leases to deposits	42.7452%	5,393
Net loans and leases to core deposits	44.8786%	5,391
Total domestic deposits to total assets	87.4733%	1,997
Equity capital to assets	12.2615%	1,678
Core capital (leverage) ratio	12.0456%	1,597
Tier 1 risk-based capital ratio	33.6324%	363
Total risk-based capital ratio	34.6337%	364
Memoranda:
Average total assets	$51,085,500	5,291
Average earning assets	$47,885,500	5,251
Average equity	$6,111,000	5,219
Average total loans	$19,053,500	5,496
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.8941%	5,584
Cost of funding earning assets	0.3160%	3,892
Net interest margin	2.5781%	5,538
Noninterest income to average assets	0.5084%	3,180
Noninterest expense to average assets	2.1787%	4,824
Loan and lease loss provision to assets	0.1021%	2,340
Net operating income to assets	0.4859%	4,689
Return on assets (ROA)	0.4921%	4,737
Pretax return on assets	0.6514%	4,655
Return on Equity (ROE)	3.9068%	4,866
Retained earnings to average equity (ytd only)	1.6373%	4,598
Net charge-offs to loans	0.0278%	3,474
Credit loss provision to net charge-offs	1,000.0000%	376
Earnings coverage of net charge-offs (x)	73.0000%	766
Efficiency ratio	74.5112%	2,222
Assets per employee ($millions)	5.2006%	2,170
Cash dividends to net income (ytd only)*	58.0913%	1,878
Condition Ratios (%)
Loss allowance to loans	1.3617%	2,258
Loan loss allowance to noncurrent loans	372.8571%	1,350
Noncurrent assets plus other real estate owned to assets	0.1346%	4,775
Noncurrent loans to loans	0.3652%	3,816
Net loans and leases to total assets	36.3535%	5,474
Net loans and leases to deposits	41.2435%	5,508
Net loans and leases to core deposits	43.8593%	5,490
Total domestic deposits to total assets	88.1437%	1,566
Equity capital to assets	11.6737%	2,024
Core capital (leverage) ratio	12.4643%	1,348
Tier 1 risk-based capital ratio	32.9504%	374
Total risk-based capital ratio	34.2017%	371
Memoranda:
Average total assets	$48,973,400	5,369
Average earning assets	$45,886,400	5,334
Average equity	$6,168,800	5,251
Average total loans	$17,976,800	5,576
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9382%	5,620
Cost of funding earning assets	0.3278%	3,799
Net interest margin	2.6104%	5,579
Noninterest income to average assets	0.4950%	3,292
Noninterest expense to average assets	2.1901%	4,795
Loan and lease loss provision to assets	0.0691%	2,839
Net operating income to assets	0.5088%	4,667
Return on assets (ROA)	0.5171%	4,737
Pretax return on assets	0.6913%	4,632
Return on Equity (ROE)	4.0258%	4,887
Retained earnings to average equity (ytd only)	3.1647%	4,016
Net charge-offs to loans	0.0075%	3,654
Credit loss provision to net charge-offs	2,500.0000%	197
Earnings coverage of net charge-offs (x)	271.6692%	297
Efficiency ratio	74.5061%	2,191
Assets per employee ($millions)	4.7116%	2,725
Cash dividends to net income (ytd only)*	21.3893%	3,165
Condition Ratios (%)
Loss allowance to loans	1.3460%	2,457
Loan loss allowance to noncurrent loans	328.7671%	1,506
Noncurrent assets plus other real estate owned to assets	0.1825%	4,710
Noncurrent loans to loans	0.4094%	3,809
Net loans and leases to total assets	37.3334%	5,496
Net loans and leases to deposits	43.4149%	5,533
Net loans and leases to core deposits	45.3573%	5,537
Total domestic deposits to total assets	85.9920%	2,352
Equity capital to assets	13.3437%	1,324
Core capital (leverage) ratio	12.7041%	1,308
Tier 1 risk-based capital ratio	37.4012%	274
Total risk-based capital ratio	38.6532%	272
Memoranda:
Average total assets	$48,215,250	5,434
Average earning assets	$45,151,250	5,410
Average equity	$6,193,250	5,300
Average total loans	$17,679,250	5,643
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9142%	5,723
Cost of funding earning assets	0.3297%	3,799
Net interest margin	2.5845%	5,681
Noninterest income to average assets	0.4652%	3,428
Noninterest expense to average assets	2.0749%	5,110
Loan and lease loss provision to assets	0.1029%	2,126
Net operating income to assets	0.5352%	4,542
Return on assets (ROA)	0.5352%	4,650
Pretax return on assets	0.7081%	4,590
Return on Equity (ROE)	4.2194%	4,831
Retained earnings to average equity (ytd only)	2.9211%	4,053
Net charge-offs to loans	-0.0340%	5,188
Credit loss provision to net charge-offs	-833.3333%	5,049
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	71.8973%	2,672
Assets per employee ($millions)	4.9174%	2,391
Cash dividends to net income (ytd only)*	30.7692%	2,808
Condition Ratios (%)
Loss allowance to loans	1.3741%	2,415
Loan loss allowance to noncurrent loans	697.1429%	807
Noncurrent assets plus other real estate owned to assets	0.0712%	5,262
Noncurrent loans to loans	0.1971%	4,653
Net loans and leases to total assets	35.6143%	5,625
Net loans and leases to deposits	41.0988%	5,651
Net loans and leases to core deposits	42.8411%	5,654
Total domestic deposits to total assets	86.6555%	2,080
Equity capital to assets	12.7303%	1,647
Core capital (leverage) ratio	12.3890%	1,409
Tier 1 risk-based capital ratio	25.4864%	770
Total risk-based capital ratio	26.5206%	773
Memoranda:
Average total assets	$48,581,670	5,490
Average earning assets	$45,501,330	5,461
Average equity	$6,162,000	5,358
Average total loans	$17,629,000	5,711
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9612%	5,724
Cost of funding earning assets	0.3271%	3,876
Net interest margin	2.6341%	5,687
Noninterest income to average assets	0.4225%	3,666
Noninterest expense to average assets	2.1207%	5,071
Loan and lease loss provision to assets	0.1243%	1,703
Net operating income to assets	0.4391%	4,865
Return on assets (ROA)	0.4391%	4,948
Pretax return on assets	0.6462%	4,685
Return on Equity (ROE)	3.4680%	5,078
Retained earnings to average equity (ytd only)	3.4680%	3,766
Net charge-offs to loans	-0.0683%	5,479
Credit loss provision to net charge-offs	-500.0000%	4,551
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	73.3524%	2,582
Assets per employee ($millions)	4.8127%	2,565
Cash dividends to net income (ytd only)*	0.0000%	2,863
Condition Ratios (%)
Loss allowance to loans	1.3629%	2,593
Loan loss allowance to noncurrent loans	360.0000%	1,369
Noncurrent assets plus other real estate owned to assets	0.1974%	4,773
Noncurrent loans to loans	0.3786%	4,080
Net loans and leases to total assets	35.1881%	5,668
Net loans and leases to deposits	40.5745%	5,694
Net loans and leases to core deposits	42.3301%	5,702
Total domestic deposits to total assets	86.7247%	2,345
Equity capital to assets	12.8015%	1,510
Core capital (leverage) ratio	12.5893%	1,303
Tier 1 risk-based capital ratio	19.6690%	1,577
Total risk-based capital ratio	20.4284%	1,657
Memoranda:
Average total assets	$48,285,500	5,542
Average earning assets	$45,252,500	5,516
Average equity	$6,113,000	5,400
Average total loans	$17,565,000	5,766
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0412%	5,697
Cost of funding earning assets	0.4018%	3,137
Net interest margin	2.6395%	5,721
Noninterest income to average assets	0.5423%	3,060
Noninterest expense to average assets	2.2235%	4,997
Loan and lease loss provision to assets	0.1989%	1,086
Net operating income to assets	0.4878%	4,744
Return on assets (ROA)	0.4878%	4,831
Pretax return on assets	0.5820%	4,893
Return on Equity (ROE)	3.8773%	4,998
Retained earnings to average equity (ytd only)	2.2132%	4,461
Net charge-offs to loans	0.7352%	321
Credit loss provision to net charge-offs	67.8571%	3,160
Earnings coverage of net charge-offs (x)	2.6643%	3,853
Efficiency ratio	74.0070%	2,575
Assets per employee ($millions)	6.0555%	1,342
Cash dividends to net income (ytd only)*	42.9185%	2,704
Condition Ratios (%)
Loss allowance to loans	1.2026%	3,467
Loan loss allowance to noncurrent loans	284.2105%	1,730
Noncurrent assets plus other real estate owned to assets	0.2188%	4,719
Noncurrent loans to loans	0.4231%	3,943
Net loans and leases to total assets	36.6299%	5,686
Net loans and leases to deposits	42.0368%	5,710
Net loans and leases to core deposits	43.8332%	5,722
Total domestic deposits to total assets	87.1377%	2,057
Equity capital to assets	12.5196%	1,615
Core capital (leverage) ratio	12.3127%	1,447
Tier 1 risk-based capital ratio	18.1324%	1,923
Total risk-based capital ratio	18.7843%	2,067
Memoranda:
Average total assets	$47,763,600	5,593
Average earning assets	$44,554,600	5,565
Average equity	$6,009,400	5,438
Average total loans	$19,042,200	5,758
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0793%	5,729
Cost of funding earning assets	0.4180%	3,027
Net interest margin	2.6613%	5,769
Noninterest income to average assets	0.5995%	2,739
Noninterest expense to average assets	2.2411%	4,935
Loan and lease loss provision to assets	0.1261%	1,797
Net operating income to assets	0.5183%	4,727
Return on assets (ROA)	0.5183%	4,815
Pretax return on assets	0.7116%	4,647
Return on Equity (ROE)	4.1141%	4,988
Retained earnings to average equity (ytd only)	3.0023%	4,305
Net charge-offs to loans	0.9665%	199
Credit loss provision to net charge-offs	32.1429%	3,254
Earnings coverage of net charge-offs (x)	2.1358%	3,727
Efficiency ratio	72.7934%	2,747
Assets per employee ($millions)	6.1086%	1,292
Cash dividends to net income (ytd only)*	27.0291%	2,946
Condition Ratios (%)
Loss allowance to loans	0.8905%	5,234
Loan loss allowance to noncurrent loans	184.4444%	2,412
Noncurrent assets plus other real estate owned to assets	0.3540%	4,357
Noncurrent loans to loans	0.4828%	3,913
Net loans and leases to total assets	37.8072%	5,712
Net loans and leases to deposits	43.4862%	5,739
Net loans and leases to core deposits	45.3332%	5,755
Total domestic deposits to total assets	86.9406%	2,074
Equity capital to assets	12.4557%	1,769
Core capital (leverage) ratio	12.5409%	1,389
Tier 1 risk-based capital ratio	20.5701%	1,424
Total risk-based capital ratio	21.1382%	1,537
Memoranda:
Average total assets	$47,593,500	5,668
Average earning assets	$44,338,500	5,643
Average equity	$5,995,500	5,502
Average total loans	$19,312,500	5,821
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0975%	5,747
Cost of funding earning assets	0.4419%	2,817
Net interest margin	2.6557%	5,817
Noninterest income to average assets	0.6191%	2,632
Noninterest expense to average assets	2.2388%	5,012
Loan and lease loss provision to assets	0.1908%	1,046
Net operating income to assets	0.4579%	4,952
Return on assets (ROA)	0.4579%	5,046
Pretax return on assets	0.6615%	4,784
Return on Equity (ROE)	3.6211%	5,171
Retained earnings to average equity (ytd only)	1.9447%	4,724
Net charge-offs to loans	1.4230%	124
Credit loss provision to net charge-offs	32.3741%	2,901
Earnings coverage of net charge-offs (x)	1.4460%	3,510
Efficiency ratio	72.4280%	2,945
Assets per employee ($millions)	4.6961%	2,686
Cash dividends to net income (ytd only)*	46.2963%	2,098
Condition Ratios (%)
Loss allowance to loans	0.8550%	5,451
Loan loss allowance to noncurrent loans	835.0000%	656
Noncurrent assets plus other real estate owned to assets	0.2193%	4,990
Noncurrent loans to loans	0.1024%	5,338
Net loans and leases to total assets	41.2385%	5,558
Net loans and leases to deposits	47.4645%	5,615
Net loans and leases to core deposits	49.2097%	5,642
Total domestic deposits to total assets	86.8827%	2,231
Equity capital to assets	12.6403%	1,581
Core capital (leverage) ratio	12.4687%	1,397
Tier 1 risk-based capital ratio	18.7196%	1,868
Total risk-based capital ratio	19.2468%	2,022
Memoranda:
Average total assets	$47,168,330	5,740
Average earning assets	$43,906,000	5,716
Average equity	$5,965,000	5,558
Average total loans	$19,536,000	5,868
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0193%	5,874
Cost of funding earning assets	0.4638%	2,635
Net interest margin	2.5555%	5,968
Noninterest income to average assets	0.5839%	2,742
Noninterest expense to average assets	2.1916%	5,175
Loan and lease loss provision to assets	0.0000%	3,703
Net operating income to assets	0.5669%	4,415
Return on assets (ROA)	0.5669%	4,516
Pretax return on assets	0.7700%	4,351
Return on Equity (ROE)	4.4820%	4,767
Retained earnings to average equity (ytd only)	4.4820%	3,332
Net charge-offs to loans	0.1433%	1,385
Credit loss provision to net charge-offs	0.0000%	2,491
Earnings coverage of net charge-offs (x)	13.0000%	1,753
Efficiency ratio	74.0000%	2,817
Assets per employee ($millions)	4.7732%	2,655
Cash dividends to net income (ytd only)*	0.0000%	2,870
Condition Ratios (%)
Loss allowance to loans	1.3056%	3,371
Loan loss allowance to noncurrent loans	95.1311%	3,802
Noncurrent assets plus other real estate owned to assets	0.7333%	3,292
Noncurrent loans to loans	1.3724%	2,094
Net loans and leases to total assets	40.2267%	5,587
Net loans and leases to deposits	46.2976%	5,646
Net loans and leases to core deposits	48.3117%	5,656
Total domestic deposits to total assets	86.8872%	2,434
Equity capital to assets	12.6309%	1,610
Core capital (leverage) ratio	12.3565%	1,425
Tier 1 risk-based capital ratio	16.4679%	2,693
Total risk-based capital ratio	17.1772%	2,899
Memoranda:
Average total assets	$47,272,000	5,790
Average earning assets	$43,983,500	5,755
Average equity	$5,979,500	5,602
Average total loans	$19,537,500	5,918
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4045%	5,520
Cost of funding earning assets	0.4928%	2,738
Net interest margin	2.9117%	5,617
Noninterest income to average assets	0.5748%	3,024
Noninterest expense to average assets	2.2867%	5,144
Loan and lease loss provision to assets	0.2527%	896
Net operating income to assets	0.5786%	4,466
Return on assets (ROA)	0.7412%	3,778
Pretax return on assets	0.9560%	3,662
Return on Equity (ROE)	5.9744%	4,159
Retained earnings to average equity (ytd only)	3.0042%	4,101
Net charge-offs to loans	0.1393%	2,630
Credit loss provision to net charge-offs	444.4444%	587
Earnings coverage of net charge-offs (x)	17.5926%	1,916
Efficiency ratio	69.5708%	3,614
Assets per employee ($millions)	4.6812%	2,758
Cash dividends to net income (ytd only)*	49.7159%	2,298
Condition Ratios (%)
Loss allowance to loans	1.3303%	3,266
Loan loss allowance to noncurrent loans	118.6364%	3,336
Noncurrent assets plus other real estate owned to assets	0.6473%	3,631
Noncurrent loans to loans	1.1213%	2,595
Net loans and leases to total assets	41.3548%	5,667
Net loans and leases to deposits	47.5721%	5,708
Net loans and leases to core deposits	49.6818%	5,727
Total domestic deposits to total assets	86.9307%	2,320
Equity capital to assets	12.6677%	1,558
Core capital (leverage) ratio	12.2697%	1,463
Tier 1 risk-based capital ratio	12.3710%	5,113
Total risk-based capital ratio	12.9227%	5,473
Memoranda:
Average total assets	$47,491,400	5,843
Average earning assets	$44,235,400	5,827
Average equity	$5,891,800	5,642
Average total loans	$19,380,400	5,985
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5578%	5,248
Cost of funding earning assets	0.5010%	2,750
Net interest margin	3.0568%	5,367
Noninterest income to average assets	0.5343%	3,297
Noninterest expense to average assets	2.1652%	5,420
Loan and lease loss provision to assets	0.3357%	540
Net operating income to assets	0.6819%	4,030
Return on assets (ROA)	0.8952%	3,030
Pretax return on assets	1.1609%	2,943
Return on Equity (ROE)	7.2533%	3,580
Retained earnings to average equity (ytd only)	4.9867%	3,088
Net charge-offs to loans	-0.0138%	5,508
Credit loss provision to net charge-offs	-6,000.0000%	6,049
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	63.9669%	4,546
Assets per employee ($millions)	4.7671%	2,570
Cash dividends to net income (ytd only)*	31.2497%	2,746
Condition Ratios (%)
Loss allowance to loans	1.4633%	2,888
Loan loss allowance to noncurrent loans	176.8293%	2,377
Noncurrent assets plus other real estate owned to assets	0.5181%	4,325
Noncurrent loans to loans	0.8275%	3,505
Net loans and leases to total assets	40.9641%	5,755
Net loans and leases to deposits	47.1885%	5,811
Net loans and leases to core deposits	49.9054%	5,794
Total domestic deposits to total assets	86.8096%	2,416
Equity capital to assets	12.5422%	1,668
Core capital (leverage) ratio	12.4015%	1,461
Tier 1 risk-based capital ratio	12.7516%	5,007
Total risk-based capital ratio	13.3764%	5,328
Memoranda:
Average total assets	$47,661,250	5,908
Average earning assets	$44,446,250	5,886
Average equity	$5,882,250	5,700
Average total loans	$19,320,500	6,054
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5077%	5,397
Cost of funding earning assets	0.5050%	2,787
Net interest margin	3.0028%	5,514
Noninterest income to average assets	0.5414%	3,199
Noninterest expense to average assets	2.1864%	5,451
Loan and lease loss provision to assets	0.0000%	4,196
Net operating income to assets	0.8906%	2,859
Return on assets (ROA)	0.8939%	2,941
Pretax return on assets	1.1541%	2,862
Return on Equity (ROE)	7.2821%	3,478
Retained earnings to average equity (ytd only)	3.8632%	3,719
Net charge-offs to loans	-0.0209%	5,561
Credit loss provision to net charge-offs	0.0000%	3,401
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	65.5346%	4,438
Assets per employee ($millions)	4.7943%	2,481
Cash dividends to net income (ytd only)*	46.9484%	2,058
Condition Ratios (%)
Loss allowance to loans	0.8963%	5,731
Loan loss allowance to noncurrent loans	64.3939%	4,674
Noncurrent assets plus other real estate owned to assets	0.7405%	3,746
Noncurrent loans to loans	1.3920%	2,474
Net loans and leases to total assets	39.2049%	5,881
Net loans and leases to deposits	45.1133%	5,932
Net loans and leases to core deposits	47.3881%	5,930
Total domestic deposits to total assets	86.9032%	2,509
Equity capital to assets	12.4293%	1,694
Core capital (leverage) ratio	12.0305%	1,635
Tier 1 risk-based capital ratio	12.1327%	5,465
Total risk-based capital ratio	12.4877%	5,885
Memoranda:
Average total assets	$47,658,000	5,965
Average earning assets	$44,359,000	5,940
Average equity	$5,850,000	5,750
Average total loans	$19,154,670	6,110
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4830%	5,471
Cost of funding earning assets	0.5170%	2,743
Net interest margin	2.9660%	5,612
Noninterest income to average assets	0.5304%	3,190
Noninterest expense to average assets	2.1635%	5,547
Loan and lease loss provision to assets	0.0000%	3,817
Net operating income to assets	0.8587%	2,860
Return on assets (ROA)	0.8587%	2,926
Pretax return on assets	1.1196%	2,817
Return on Equity (ROE)	7.0399%	3,459
Retained earnings to average equity (ytd only)	7.0399%	2,028
Net charge-offs to loans	-0.0416%	5,725
Credit loss provision to net charge-offs	0.0000%	2,688
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	65.8974%	4,546
Assets per employee ($millions)	4.8442%	2,449
Cash dividends to net income (ytd only)*	0.0000%	2,852
Condition Ratios (%)
Loss allowance to loans	0.8859%	5,908
Loan loss allowance to noncurrent loans	607.1429%	790
Noncurrent assets plus other real estate owned to assets	0.2807%	5,319
Noncurrent loans to loans	0.1459%	5,649
Net loans and leases to total assets	39.2614%	5,859
Net loans and leases to deposits	44.9431%	5,921
Net loans and leases to core deposits	47.4668%	5,905
Total domestic deposits to total assets	87.3581%	2,594
Equity capital to assets	12.1382%	1,777
Core capital (leverage) ratio	12.1663%	1,560
Tier 1 risk-based capital ratio	11.9628%	5,668
Total risk-based capital ratio	12.3134%	6,079
Memoranda:
Average total assets	$47,515,500	6,021
Average earning assets	$44,100,000	6,002
Average equity	$5,795,500	5,801
Average total loans	$19,249,000	6,166
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6495%	5,278
Cost of funding earning assets	0.6217%	2,470
Net interest margin	3.0278%	5,513
Noninterest income to average assets	0.7686%	2,227
Noninterest expense to average assets	2.2692%	5,463
Loan and lease loss provision to assets	0.0000%	5,091
Net operating income to assets	0.9675%	2,480
Return on assets (ROA)	1.0277%	2,273
Pretax return on assets	1.2544%	2,342
Return on Equity (ROE)	8.3269%	2,872
Retained earnings to average equity (ytd only)	4.3909%	3,050
Net charge-offs to loans	0.0450%	4,588
Credit loss provision to net charge-offs	0.0000%	4,707
Earnings coverage of net charge-offs (x)	68.3750%	618
Efficiency ratio	65.7697%	4,599
Assets per employee ($millions)	4.6589%	2,642
Cash dividends to net income (ytd only)*	47.2689%	2,422
Condition Ratios (%)
Loss allowance to loans	0.8701%	6,006
Loan loss allowance to noncurrent loans	884.2105%	576
Noncurrent assets plus other real estate owned to assets	0.2726%	5,444
Noncurrent loans to loans	0.0984%	5,917
Net loans and leases to total assets	41.0848%	5,889
Net loans and leases to deposits	47.0514%	5,948
Net loans and leases to core deposits	49.4842%	5,967
Total domestic deposits to total assets	87.3189%	2,570
Equity capital to assets	12.2583%	1,646
Core capital (leverage) ratio	12.0120%	1,602
Tier 1 risk-based capital ratio	12.1898%	5,501
Total risk-based capital ratio	12.5492%	5,961
Memoranda:
Average total assets	$46,315,800	6,108
Average earning assets	$41,019,400	6,141
Average equity	$5,716,400	5,875
Average total loans	$17,758,600	6,294
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6768%	5,232
Cost of funding earning assets	0.6392%	2,459
Net interest margin	3.0377%	5,495
Noninterest income to average assets	0.5622%	3,378
Noninterest expense to average assets	2.1247%	5,783
Loan and lease loss provision to assets	0.0000%	4,941
Net operating income to assets	0.8519%	3,090
Return on assets (ROA)	0.9283%	2,806
Pretax return on assets	1.1935%	2,732
Return on Equity (ROE)	7.5085%	3,373
Retained earnings to average equity (ytd only)	5.1767%	2,950
Net charge-offs to loans	0.0921%	3,641
Credit loss provision to net charge-offs	0.0000%	4,342
Earnings coverage of net charge-offs (x)	31.6656%	1,193
Efficiency ratio	65.9803%	4,486
Assets per employee ($millions)	4.7978%	2,442
Cash dividends to net income (ytd only)*	31.0561%	2,655
Condition Ratios (%)
Loss allowance to loans	0.9252%	5,986
Loan loss allowance to noncurrent loans	443.2432%	982
Noncurrent assets plus other real estate owned to assets	0.3314%	5,412
Noncurrent loans to loans	0.2087%	5,719
Net loans and leases to total assets	36.6022%	6,252
Net loans and leases to deposits	41.9067%	6,313
Net loans and leases to core deposits	44.0070%	6,301
Total domestic deposits to total assets	87.3421%	2,486
Equity capital to assets	11.9576%	1,943
Core capital (leverage) ratio	12.8020%	1,286
Tier 1 risk-based capital ratio	11.8008%	5,901
Total risk-based capital ratio	12.1422%	6,290
Memoranda:
Average total assets	$46,247,500	6,182
Average earning assets	$40,468,750	6,225
Average equity	$5,717,750	5,943
Average total loans	$17,371,000	6,370
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7187%	5,084
Cost of funding earning assets	0.6712%	2,303
Net interest margin	3.0476%	5,438
Noninterest income to average assets	0.5693%	3,387
Noninterest expense to average assets	2.1458%	5,757
Loan and lease loss provision to assets	0.0000%	4,788
Net operating income to assets	0.8532%	3,030
Return on assets (ROA)	0.9678%	2,621
Pretax return on assets	1.2568%	2,462
Return on Equity (ROE)	7.7390%	3,219
Retained earnings to average equity (ytd only)	4.2372%	3,598
Net charge-offs to loans	0.0116%	4,643
Credit loss provision to net charge-offs	0.0000%	4,003
Earnings coverage of net charge-offs (x)	253.0000%	208
Efficiency ratio	65.9489%	4,553
Assets per employee ($millions)	4.4767%	2,847
Cash dividends to net income (ytd only)*	45.2489%	2,048
Condition Ratios (%)
Loss allowance to loans	0.9887%	5,872
Loan loss allowance to noncurrent loans	511.7647%	854
Noncurrent assets plus other real estate owned to assets	0.3485%	5,440
Noncurrent loans to loans	0.1932%	5,829
Net loans and leases to total assets	38.9238%	6,117
Net loans and leases to deposits	44.6646%	6,187
Net loans and leases to core deposits	44.6646%	6,301
Total domestic deposits to total assets	87.1468%	2,735
Equity capital to assets	12.3283%	1,687
Core capital (leverage) ratio	12.3824%	1,416
Tier 1 risk-based capital ratio	12.3675%	5,592
Total risk-based capital ratio	12.7541%	6,074
Memoranda:
Average total assets	$45,670,670	6,243
Average earning assets	$40,228,670	6,276
Average equity	$5,711,330	5,994
Average total loans	$17,253,000	6,414
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6775%	5,235
Cost of funding earning assets	0.6518%	2,641
Net interest margin	3.0257%	5,506
Noninterest income to average assets	0.5377%	3,515
Noninterest expense to average assets	2.1595%	5,782
Loan and lease loss provision to assets	0.0000%	4,409
Net operating income to assets	0.8568%	2,875
Return on assets (ROA)	1.0927%	1,990
Pretax return on assets	1.3703%	1,968
Return on Equity (ROE)	8.6784%	2,637
Retained earnings to average equity (ytd only)	8.6784%	1,498
Net charge-offs to loans	0.0000%	4,145
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	66.7560%	4,529
Assets per employee ($millions)	4.7777%	2,528
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	1.0193%	5,921
Loan loss allowance to noncurrent loans	338.4615%	1,177
Noncurrent assets plus other real estate owned to assets	0.3642%	5,497
Noncurrent loans to loans	0.3012%	5,647
Net loans and leases to total assets	35.7724%	6,313
Net loans and leases to deposits	41.1247%	6,374
Net loans and leases to core deposits	41.6214%	6,413
Total domestic deposits to total assets	86.9854%	2,966
Equity capital to assets	12.2360%	1,876
Core capital (leverage) ratio	12.3286%	1,413
Tier 1 risk-based capital ratio	11.7230%	6,075
Total risk-based capital ratio	12.0932%	6,442
Memoranda:
Average total assets	$46,122,500	6,287
Average earning assets	$41,114,500	6,308
Average equity	$5,807,500	6,033
Average total loans	$17,080,000	6,484
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2663%	4,338
Cost of funding earning assets	1.0050%	1,332
Net interest margin	3.2613%	5,388
Noninterest income to average assets	0.5675%	3,462
Noninterest expense to average assets	2.4164%	5,358
Loan and lease loss provision to assets	0.0901%	4,566
Net operating income to assets	0.5776%	4,351
Return on assets (ROA)	0.8828%	3,145
Pretax return on assets	1.1395%	3,021
Return on Equity (ROE)	6.8037%	3,760
Retained earnings to average equity (ytd only)	2.8985%	4,195
Net charge-offs to loans	0.1226%	4,452
Credit loss provision to net charge-offs	200.0000%	1,294
Earnings coverage of net charge-offs (x)	18.5000%	1,433
Efficiency ratio	74.3590%	3,012
Assets per employee ($millions)	4.4468%	3,058
Cash dividends to net income (ytd only)*	57.3980%	1,934
Condition Ratios (%)
Loss allowance to loans	1.0419%	5,804
Loan loss allowance to noncurrent loans	880.0000%	508
Noncurrent assets plus other real estate owned to assets	0.3193%	5,711
Noncurrent loans to loans	0.1184%	6,182
Net loans and leases to total assets	37.5933%	6,333
Net loans and leases to deposits	43.6259%	6,388
Net loans and leases to core deposits	44.2459%	6,451
Total domestic deposits to total assets	86.1721%	3,267
Equity capital to assets	12.9734%	1,464
Core capital (leverage) ratio	12.3442%	1,380
Tier 1 risk-based capital ratio	12.3358%	5,576
Total risk-based capital ratio	12.7344%	6,081
Memoranda:
Average total assets	$44,404,200	6,363
Average earning assets	$36,518,800	6,486
Average equity	$5,761,600	6,086
Average total loans	$16,308,000	6,584
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1459%	5,009
Cost of funding earning assets	1.0819%	1,136
Net interest margin	3.0641%	6,034
Noninterest income to average assets	0.6338%	3,083
Noninterest expense to average assets	2.3669%	5,496
Loan and lease loss provision to assets	0.0000%	5,790
Net operating income to assets	0.6183%	4,305
Return on assets (ROA)	0.9582%	2,931
Pretax return on assets	1.1654%	3,108
Return on Equity (ROE)	7.3843%	3,591
Retained earnings to average equity (ytd only)	5.0695%	3,322
Net charge-offs to loans	0.1650%	3,800
Credit loss provision to net charge-offs	0.0000%	5,158
Earnings coverage of net charge-offs (x)	12.4983%	1,996
Efficiency ratio	75.9152%	2,692
Assets per employee ($millions)	4.4483%	2,999
Cash dividends to net income (ytd only)*	31.3482%	2,573
Condition Ratios (%)
Loss allowance to loans	0.8434%	6,524
Loan loss allowance to noncurrent loans	23.7347%	6,389
Noncurrent assets plus other real estate owned to assets	1.6074%	3,184
Noncurrent loans to loans	3.5533%	1,526
Net loans and leases to total assets	35.9463%	6,552
Net loans and leases to deposits	41.8039%	6,604
Net loans and leases to core deposits	42.3980%	6,660
Total domestic deposits to total assets	85.9879%	3,266
Equity capital to assets	13.2657%	1,466
Core capital (leverage) ratio	12.5743%	1,373
Tier 1 risk-based capital ratio	12.4969%	5,647
Total risk-based capital ratio	12.8059%	6,169
Memoranda:
Average total assets	$44,388,250	6,438
Average earning assets	$35,986,000	6,582
Average equity	$5,759,750	6,158
Average total loans	$16,161,750	6,674
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5615%	3,523
Cost of funding earning assets	1.1690%	949
Net interest margin	3.3925%	5,113
Noninterest income to average assets	0.5501%	3,584
Noninterest expense to average assets	2.3401%	5,636
Loan and lease loss provision to assets	0.0000%	5,619
Net operating income to assets	0.6814%	3,974
Return on assets (ROA)	0.8432%	3,446
Pretax return on assets	1.0866%	3,350
Return on Equity (ROE)	6.5469%	4,026
Retained earnings to average equity (ytd only)	3.0459%	4,615
Net charge-offs to loans	0.2349%	3,162
Credit loss provision to net charge-offs	0.0000%	4,809
Earnings coverage of net charge-offs (x)	10.2632%	2,072
Efficiency ratio	72.6891%	3,300
Assets per employee ($millions)	4.4432%	3,017
Cash dividends to net income (ytd only)*	53.4759%	1,611
Condition Ratios (%)
Loss allowance to loans	0.8614%	6,547
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.4546%	5,648
Noncurrent loans to loans	0.0000%	6,740
Net loans and leases to total assets	35.4879%	6,636
Net loans and leases to deposits	41.2429%	6,689
Net loans and leases to core deposits	41.8283%	6,743
Total domestic deposits to total assets	86.0461%	3,335
Equity capital to assets	12.8849%	1,574
Core capital (leverage) ratio	12.1009%	1,552
Tier 1 risk-based capital ratio	12.1905%	5,802
Total risk-based capital ratio	12.4994%	6,348
Memoranda:
Average total assets	$44,356,670	6,479
Average earning assets	$34,900,670	6,662
Average equity	$5,712,670	6,191
Average total loans	$16,173,670	6,725
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5961%	3,520
Cost of funding earning assets	1.1975%	997
Net interest margin	3.3986%	5,128
Noninterest income to average assets	0.5506%	3,563
Noninterest expense to average assets	2.3827%	5,532
Loan and lease loss provision to assets	0.0000%	5,254
Net operating income to assets	0.6738%	4,014
Return on assets (ROA)	1.0018%	2,666
Pretax return on assets	1.2726%	2,643
Return on Equity (ROE)	7.7806%	3,371
Retained earnings to average equity (ytd only)	7.7806%	2,059
Net charge-offs to loans	0.0000%	4,730
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	73.5376%	3,173
Assets per employee ($millions)	4.4821%	3,028
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	0.9660%	6,373
Loan loss allowance to noncurrent loans	184.7059%	1,786
Noncurrent assets plus other real estate owned to assets	0.8500%	4,832
Noncurrent loans to loans	0.5230%	5,621
Net loans and leases to total assets	35.9117%	6,626
Net loans and leases to deposits	41.6498%	6,676
Net loans and leases to core deposits	42.2767%	6,732
Total domestic deposits to total assets	86.2230%	3,401
Equity capital to assets	12.7842%	1,557
Core capital (leverage) ratio	12.1214%	1,523
Tier 1 risk-based capital ratio	12.1241%	5,882
Total risk-based capital ratio	12.4772%	6,411
Memoranda:
Average total assets	$44,319,000	6,525
Average earning assets	$35,073,000	6,707
Average equity	$5,706,500	6,223
Average total loans	$16,308,000	6,777
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6840%	4,314
Cost of funding earning assets	1.3016%	1,479
Net interest margin	3.3824%	5,538
Noninterest income to average assets	0.7015%	2,593
Noninterest expense to average assets	2.3322%	5,973
Loan and lease loss provision to assets	0.0743%	5,681
Net operating income to assets	0.9431%	2,438
Return on assets (ROA)	0.9431%	2,559
Pretax return on assets	1.1986%	2,464
Return on Equity (ROE)	7.2765%	3,262
Retained earnings to average equity (ytd only)	2.2582%	4,603
Net charge-offs to loans	0.0542%	5,777
Credit loss provision to net charge-offs	355.5556%	649
Earnings coverage of net charge-offs (x)	60.8889%	474
Efficiency ratio	64.6907%	5,008
Assets per employee ($millions)	4.3817%	3,092
Cash dividends to net income (ytd only)*	68.9655%	1,180
Condition Ratios (%)
Loss allowance to loans	0.9534%	6,387
Loan loss allowance to noncurrent loans	77.2277%	3,761
Noncurrent assets plus other real estate owned to assets	0.9220%	4,767
Noncurrent loans to loans	1.2345%	4,301
Net loans and leases to total assets	36.9879%	6,704
Net loans and leases to deposits	43.0511%	6,757
Net loans and leases to core deposits	43.7153%	6,823
Total domestic deposits to total assets	85.9164%	3,366
Equity capital to assets	12.9699%	1,504
Core capital (leverage) ratio	11.8960%	1,660
Tier 1 risk-based capital ratio	12.1783%	5,703
Total risk-based capital ratio	12.5380%	6,275
Memoranda:
Average total assets	$43,048,600	6,563
Average earning assets	$36,955,600	6,643
Average equity	$5,579,600	6,265
Average total loans	$16,611,800	6,817
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6610%	4,629
Cost of funding earning assets	1.3175%	1,603
Net interest margin	3.3435%	5,738
Noninterest income to average assets	0.7653%	2,227
Noninterest expense to average assets	2.2058%	6,263
Loan and lease loss provision to assets	0.0996%	5,211
Net operating income to assets	1.0547%	2,122
Return on assets (ROA)	1.0547%	2,262
Pretax return on assets	1.3813%	1,996
Return on Equity (ROE)	8.1385%	2,985
Retained earnings to average equity (ytd only)	5.7377%	2,712
Net charge-offs to loans	0.0640%	5,326
Credit loss provision to net charge-offs	400.0000%	714
Earnings coverage of net charge-offs (x)	59.4799%	559
Efficiency ratio	59.8312%	5,751
Assets per employee ($millions)	4.8689%	2,372
Cash dividends to net income (ytd only)*	29.4984%	2,498
Condition Ratios (%)
Loss allowance to loans	0.9715%	6,385
Loan loss allowance to noncurrent loans	89.7143%	3,238
Noncurrent assets plus other real estate owned to assets	0.8603%	5,029
Noncurrent loans to loans	1.0829%	4,746
Net loans and leases to total assets	36.5221%	6,843
Net loans and leases to deposits	42.4509%	6,891
Net loans and leases to core deposits	43.0991%	6,948
Total domestic deposits to total assets	86.0338%	3,202
Equity capital to assets	13.2725%	1,478
Core capital (leverage) ratio	12.3826%	1,493
Tier 1 risk-based capital ratio	12.4443%	5,542
Total risk-based capital ratio	12.8066%	6,195
Memoranda:
Average total assets	$42,856,500	6,633
Average earning assets	$37,444,750	6,685
Average equity	$5,553,750	6,318
Average total loans	$16,674,000	6,884
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7033%	4,518
Cost of funding earning assets	1.3780%	1,508
Net interest margin	3.3253%	5,785
Noninterest income to average assets	0.7805%	2,109
Noninterest expense to average assets	2.2522%	6,239
Loan and lease loss provision to assets	0.1505%	4,427
Net operating income to assets	1.0015%	2,224
Return on assets (ROA)	1.0015%	2,322
Pretax return on assets	1.3166%	2,089
Return on Equity (ROE)	7.7932%	3,048
Retained earnings to average equity (ytd only)	4.1344%	3,565
Net charge-offs to loans	0.0950%	4,727
Credit loss provision to net charge-offs	400.0000%	744
Earnings coverage of net charge-offs (x)	39.0000%	756
Efficiency ratio	60.5563%	5,792
Assets per employee ($millions)	4.8450%	2,347
Cash dividends to net income (ytd only)*	46.9484%	1,793
Condition Ratios (%)
Loss allowance to loans	0.9564%	6,493
Loan loss allowance to noncurrent loans	654.1667%	535
Noncurrent assets plus other real estate owned to assets	0.5183%	5,879
Noncurrent loans to loans	0.1462%	6,614
Net loans and leases to total assets	37.2847%	6,898
Net loans and leases to deposits	43.1281%	6,951
Net loans and leases to core deposits	43.7926%	7,011
Total domestic deposits to total assets	86.4511%	3,072
Equity capital to assets	12.7990%	1,625
Core capital (leverage) ratio	12.1231%	1,544
Tier 1 risk-based capital ratio	12.1679%	5,644
Total risk-based capital ratio	12.5306%	6,330
Memoranda:
Average total assets	$42,535,330	6,698
Average earning assets	$37,590,330	6,740
Average equity	$5,466,330	6,380
Average total loans	$16,845,000	6,948
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6649%	4,671
Cost of funding earning assets	1.3889%	1,670
Net interest margin	3.2760%	5,858
Noninterest income to average assets	0.8857%	1,708
Noninterest expense to average assets	2.2190%	6,381
Loan and lease loss provision to assets	0.3048%	2,729
Net operating income to assets	0.9714%	2,276
Return on assets (ROA)	0.9714%	2,342
Pretax return on assets	1.3047%	2,030
Return on Equity (ROE)	7.5430%	3,131
Retained earnings to average equity (ytd only)	7.5430%	1,921
Net charge-offs to loans	0.0234%	4,755
Credit loss provision to net charge-offs	3,200.0000%	112
Earnings coverage of net charge-offs (x)	169.0000%	187
Efficiency ratio	57.9602%	6,278
Assets per employee ($millions)	4.7508%	2,495
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	0.9826%	6,459
Loan loss allowance to noncurrent loans	8,200.0000%	71
Noncurrent assets plus other real estate owned to assets	0.3368%	6,355
Noncurrent loans to loans	0.0120%	7,042
Net loans and leases to total assets	38.6533%	6,865
Net loans and leases to deposits	44.6458%	6,930
Net loans and leases to core deposits	45.3254%	6,996
Total domestic deposits to total assets	86.5776%	3,190
Equity capital to assets	12.8190%	1,464
Core capital (leverage) ratio	12.2864%	1,414
Tier 1 risk-based capital ratio	12.3459%	5,399
Total risk-based capital ratio	12.7310%	6,099
Memoranda:
Average total assets	$42,000,500	6,761
Average earning assets	$37,728,500	6,775
Average equity	$5,409,000	6,415
Average total loans	$17,060,000	6,996
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0123%	4,498
Cost of funding earning assets	1.5249%	2,503
Net interest margin	3.4874%	5,294
Noninterest income to average assets	0.8606%	2,011
Noninterest expense to average assets	2.4306%	6,011
Loan and lease loss provision to assets	0.1215%	5,944
Net operating income to assets	1.1434%	1,564
Return on assets (ROA)	1.1434%	1,646
Pretax return on assets	1.4906%	1,405
Return on Equity (ROE)	8.6886%	2,425
Retained earnings to average equity (ytd only)	3.4114%	3,479
Net charge-offs to loans	0.2851%	4,594
Credit loss provision to net charge-offs	100.0000%	4,560
Earnings coverage of net charge-offs (x)	13.2653%	1,424
Efficiency ratio	60.1227%	6,026
Assets per employee ($millions)	4.5827%	2,737
Cash dividends to net income (ytd only)*	60.7375%	1,598
Condition Ratios (%)
Loss allowance to loans	0.7631%	7,039
Loan loss allowance to noncurrent loans	42.9032%	5,454
Noncurrent assets plus other real estate owned to assets	1.1420%	4,723
Noncurrent loans to loans	1.7786%	3,845
Net loans and leases to total assets	41.9358%	6,852
Net loans and leases to deposits	48.4835%	6,930
Net loans and leases to core deposits	49.2567%	7,011
Total domestic deposits to total assets	86.4950%	3,082
Equity capital to assets	12.9401%	1,418
Core capital (leverage) ratio	12.5441%	1,297
Tier 1 risk-based capital ratio	12.5405%	4,989
Total risk-based capital ratio	12.8641%	5,813
Memoranda:
Average total assets	$40,320,000	6,856
Average earning assets	$36,789,800	6,847
Average equity	$5,305,800	6,565
Average total loans	$17,187,200	7,071
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0325%	4,665
Cost of funding earning assets	1.5440%	2,705
Net interest margin	3.4885%	5,343
Noninterest income to average assets	0.7716%	2,379
Noninterest expense to average assets	2.3081%	6,302
Loan and lease loss provision to assets	0.1430%	5,603
Net operating income to assets	1.1208%	1,823
Return on assets (ROA)	1.1208%	1,934
Pretax return on assets	1.5066%	1,596
Return on Equity (ROE)	8.4809%	2,694
Retained earnings to average equity (ytd only)	4.9577%	3,020
Net charge-offs to loans	0.3347%	3,982
Credit loss provision to net charge-offs	100.0000%	4,307
Earnings coverage of net charge-offs (x)	11.5353%	1,787
Efficiency ratio	58.3193%	6,214
Assets per employee ($millions)	5.0441%	2,119
Cash dividends to net income (ytd only)*	41.5428%	2,020
Condition Ratios (%)
Loss allowance to loans	0.7754%	7,055
Loan loss allowance to noncurrent loans	91.0959%	3,014
Noncurrent assets plus other real estate owned to assets	0.7608%	5,582
Noncurrent loans to loans	0.8512%	5,519
Net loans and leases to total assets	42.1778%	6,964
Net loans and leases to deposits	49.5214%	7,020
Net loans and leases to core deposits	50.3461%	7,111
Total domestic deposits to total assets	85.1709%	3,533
Equity capital to assets	13.6421%	1,298
Core capital (leverage) ratio	12.8021%	1,298
Tier 1 risk-based capital ratio	12.9318%	4,628
Total risk-based capital ratio	13.2645%	5,423
Memoranda:
Average total assets	$40,089,000	6,949
Average earning assets	$36,614,500	6,932
Average equity	$5,298,000	6,647
Average total loans	$17,126,750	7,161
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0473%	4,719
Cost of funding earning assets	1.5513%	2,950
Net interest margin	3.4960%	5,263
Noninterest income to average assets	0.7300%	2,517
Noninterest expense to average assets	2.3499%	6,221
Loan and lease loss provision to assets	0.1850%	5,020
Net operating income to assets	1.0550%	2,000
Return on assets (ROA)	1.0550%	2,069
Pretax return on assets	1.3950%	1,851
Return on Equity (ROE)	8.0704%	2,859
Retained earnings to average equity (ytd only)	2.7156%	4,405
Net charge-offs to loans	0.2921%	3,867
Credit loss provision to net charge-offs	148.0000%	2,667
Earnings coverage of net charge-offs (x)	12.6400%	1,661
Efficiency ratio	59.7964%	6,080
Assets per employee ($millions)	4.9854%	2,202
Cash dividends to net income (ytd only)*	66.3507%	1,118
Condition Ratios (%)
Loss allowance to loans	0.8416%	6,933
Loan loss allowance to noncurrent loans	254.3860%	1,119
Noncurrent assets plus other real estate owned to assets	0.5466%	6,104
Noncurrent loans to loans	0.3308%	6,566
Net loans and leases to total assets	42.8378%	6,992
Net loans and leases to deposits	49.8949%	7,072
Net loans and leases to core deposits	49.8949%	7,214
Total domestic deposits to total assets	85.8561%	3,174
Equity capital to assets	13.2488%	1,457
Core capital (leverage) ratio	12.5208%	1,401
Tier 1 risk-based capital ratio	12.7184%	4,671
Total risk-based capital ratio	13.0839%	5,428
Memoranda:
Average total assets	$40,001,000	7,000
Average earning assets	$36,613,330	6,979
Average equity	$5,229,000	6,705
Average total loans	$17,118,000	7,216
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0693%	4,679
Cost of funding earning assets	1.5665%	3,160
Net interest margin	3.5028%	5,145
Noninterest income to average assets	0.6690%	2,817
Noninterest expense to average assets	2.4563%	5,889
Loan and lease loss provision to assets	0.0599%	6,042
Net operating income to assets	1.0285%	2,075
Return on assets (ROA)	1.0285%	2,134
Pretax return on assets	1.3679%	1,855
Return on Equity (ROE)	7.9208%	2,923
Retained earnings to average equity (ytd only)	7.9208%	1,738
Net charge-offs to loans	0.3282%	3,090
Credit loss provision to net charge-offs	42.8571%	4,589
Earnings coverage of net charge-offs (x)	10.2143%	1,764
Efficiency ratio	63.2391%	5,621
Assets per employee ($millions)	5.0236%	2,202
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	0.7299%	7,291
Loan loss allowance to noncurrent loans	162.3377%	1,724
Noncurrent assets plus other real estate owned to assets	0.5922%	6,031
Noncurrent loans to loans	0.4496%	6,401
Net loans and leases to total assets	42.3026%	7,105
Net loans and leases to deposits	49.1373%	7,175
Net loans and leases to core deposits	50.3226%	7,269
Total domestic deposits to total assets	86.0907%	3,102
Equity capital to assets	13.1280%	1,473
Core capital (leverage) ratio	12.6552%	1,343
Tier 1 risk-based capital ratio	12.6890%	4,571
Total risk-based capital ratio	13.0014%	5,388
Memoranda:
Average total assets	$40,060,000	7,085
Average earning assets	$36,770,500	7,063
Average equity	$5,201,500	6,782
Average total loans	$17,062,000	7,313
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5266%	4,009
Cost of funding earning assets	1.8622%	3,663
Net interest margin	3.6644%	4,287
Noninterest income to average assets	0.9761%	1,648
Noninterest expense to average assets	2.6512%	5,591
Loan and lease loss provision to assets	0.1293%	6,346
Net operating income to assets	1.1924%	1,264
Return on assets (ROA)	1.1924%	1,314
Pretax return on assets	1.5802%	1,003
Return on Equity (ROE)	8.8913%	2,061
Retained earnings to average equity (ytd only)	2.6949%	3,265
Net charge-offs to loans	0.1860%	5,496
Credit loss provision to net charge-offs	158.0645%	2,844
Earnings coverage of net charge-offs (x)	20.9032%	1,018
Efficiency ratio	60.7985%	6,359
Assets per employee ($millions)	4.4368%	3,037
Cash dividends to net income (ytd only)*	69.6903%	1,577
Condition Ratios (%)
Loss allowance to loans	0.7824%	7,185
Loan loss allowance to noncurrent loans	135.7143%	2,107
Noncurrent assets plus other real estate owned to assets	0.7012%	5,704
Noncurrent loans to loans	0.5765%	6,091
Net loans and leases to total assets	42.2354%	7,239
Net loans and leases to deposits	48.8077%	7,324
Net loans and leases to core deposits	63.8923%	7,094
Total domestic deposits to total assets	86.5343%	2,739
Equity capital to assets	12.8396%	1,573
Core capital (leverage) ratio	12.5508%	1,426
Tier 1 risk-based capital ratio	12.4878%	4,535
Total risk-based capital ratio	12.8217%	5,278
Memoranda:
Average total assets	$37,907,400	7,174
Average earning assets	$35,012,400	7,138
Average equity	$5,083,600	6,909
Average total loans	$16,666,000	7,371
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6417%	3,625
Cost of funding earning assets	1.8921%	3,920
Net interest margin	3.7496%	3,866
Noninterest income to average assets	1.0837%	1,354
Noninterest expense to average assets	2.5025%	6,059
Loan and lease loss provision to assets	0.1569%	5,780
Net operating income to assets	1.3404%	1,141
Return on assets (ROA)	1.3404%	1,201
Pretax return on assets	1.8929%	669
Return on Equity (ROE)	9.8826%	1,961
Retained earnings to average equity (ytd only)	5.5459%	2,176
Net charge-offs to loans	0.2492%	4,492
Credit loss provision to net charge-offs	141.9355%	3,453
Earnings coverage of net charge-offs (x)	18.5495%	1,345
Efficiency ratio	54.9726%	7,121
Assets per employee ($millions)	3.8459%	4,089
Cash dividends to net income (ytd only)*	43.8822%	2,273
Condition Ratios (%)
Loss allowance to loans	0.7822%	7,175
Loan loss allowance to noncurrent loans	387.8788%	801
Noncurrent assets plus other real estate owned to assets	0.5590%	6,060
Noncurrent loans to loans	0.2016%	6,995
Net loans and leases to total assets	42.2190%	7,349
Net loans and leases to deposits	49.4051%	7,436
Net loans and leases to core deposits	64.3050%	7,234
Total domestic deposits to total assets	85.4546%	2,991
Equity capital to assets	13.7237%	1,408
Core capital (leverage) ratio	13.1901%	1,326
Tier 1 risk-based capital ratio	13.2015%	4,053
Total risk-based capital ratio	13.5363%	4,660
Memoranda:
Average total assets	$37,401,500	7,257
Average earning assets	$34,598,750	7,224
Average equity	$5,072,750	6,973
Average total loans	$16,583,000	7,443
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.8062%	3,016
Cost of funding earning assets	1.9296%	4,115
Net interest margin	3.8766%	3,224
Noninterest income to average assets	0.6694%	3,197
Noninterest expense to average assets	2.3374%	6,651
Loan and lease loss provision to assets	0.0648%	6,564
Net operating income to assets	1.3766%	1,076
Return on assets (ROA)	1.3766%	1,142
Pretax return on assets	1.8570%	760
Return on Equity (ROE)	10.1912%	1,953
Retained earnings to average equity (ytd only)	3.5969%	3,298
Net charge-offs to loans	0.1081%	5,078
Credit loss provision to net charge-offs	133.3333%	3,495
Earnings coverage of net charge-offs (x)	39.5556%	819
Efficiency ratio	54.8796%	7,241
Assets per employee ($millions)	4.1957%	3,307
Cash dividends to net income (ytd only)*	64.7059%	1,529
Condition Ratios (%)
Loss allowance to loans	0.7133%	7,388
Loan loss allowance to noncurrent loans	101.7241%	2,854
Noncurrent assets plus other real estate owned to assets	0.4290%	6,385
Noncurrent loans to loans	0.7012%	5,844
Net loans and leases to total assets	43.4973%	7,362
Net loans and leases to deposits	50.4082%	7,470
Net loans and leases to core deposits	64.7036%	7,263
Total domestic deposits to total assets	86.2901%	2,632
Equity capital to assets	13.2094%	1,605
Core capital (leverage) ratio	12.9668%	1,441
Tier 1 risk-based capital ratio	13.0389%	4,122
Total risk-based capital ratio	13.3512%	4,752
Memoranda:
Average total assets	$37,049,000	7,332
Average earning assets	$34,308,330	7,301
Average equity	$5,004,330	7,060
Average total loans	$16,655,670	7,503
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7504%	3,531
Cost of funding earning assets	1.9361%	4,457
Net interest margin	3.8143%	3,390
Noninterest income to average assets	0.7304%	2,702
Noninterest expense to average assets	2.3765%	6,272
Loan and lease loss provision to assets	0.0654%	6,129
Net operating income to assets	1.3845%	1,172
Return on assets (ROA)	1.3845%	1,264
Pretax return on assets	1.8750%	846
Return on Equity (ROE)	10.1347%	2,272
Retained earnings to average equity (ytd only)	10.1347%	1,160
Net charge-offs to loans	-0.0239%	7,485
Credit loss provision to net charge-offs	-600.0000%	6,426
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	55.0505%	7,097
Assets per employee ($millions)	3.7438%	4,247
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	0.7249%	7,373
Loan loss allowance to noncurrent loans	248.9796%	1,342
Noncurrent assets plus other real estate owned to assets	0.1843%	6,985
Noncurrent loans to loans	0.2911%	6,713
Net loans and leases to total assets	44.6285%	7,292
Net loans and leases to deposits	51.8624%	7,410
Net loans and leases to core deposits	65.2452%	7,268
Total domestic deposits to total assets	86.0516%	2,684
Equity capital to assets	13.5477%	1,519
Core capital (leverage) ratio	13.4951%	1,322
Tier 1 risk-based capital ratio	13.2765%	4,006
Total risk-based capital ratio	13.6027%	4,580
Memoranda:
Average total assets	$36,693,000	7,391
Average earning assets	$34,502,000	7,331
Average equity	$5,012,500	7,103
Average total loans	$16,712,000	7,548
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9722%	5,685
Cost of funding earning assets	2.3146%	5,086
Net interest margin	3.6575%	4,649
Noninterest income to average assets	0.7400%	2,843
Noninterest expense to average assets	2.5846%	5,704
Loan and lease loss provision to assets	0.0000%	7,334
Net operating income to assets	1.1475%	1,956
Return on assets (ROA)	1.1475%	1,880
Pretax return on assets	1.6167%	1,340
Return on Equity (ROE)	8.7827%	2,719
Retained earnings to average equity (ytd only)	2.7292%	3,484
Net charge-offs to loans	0.0908%	5,441
Credit loss provision to net charge-offs	0.0000%	6,652
Earnings coverage of net charge-offs (x)	40.2000%	929
Efficiency ratio	61.5188%	6,047
Assets per employee ($millions)	3.5948%	4,426
Cash dividends to net income (ytd only)*	68.9252%	2,226
Condition Ratios (%)
Loss allowance to loans	0.6930%	7,450
Loan loss allowance to noncurrent loans	87.1212%	3,869
Noncurrent assets plus other real estate owned to assets	0.4256%	5,940
Noncurrent loans to loans	0.7955%	5,050
Net loans and leases to total assets	45.8412%	7,347
Net loans and leases to deposits	53.5815%	7,463
Net loans and leases to core deposits	68.7771%	7,256
Total domestic deposits to total assets	85.5541%	2,604
Equity capital to assets	13.7782%	1,504
Core capital (leverage) ratio	13.2054%	1,474
Tier 1 risk-based capital ratio	13.4784%	3,833
Total risk-based capital ratio	13.7989%	4,310
Memoranda:
Average total assets	$37,297,800	7,335
Average earning assets	$35,297,000	7,269
Average equity	$4,873,200	7,186
Average total loans	$16,516,800	7,552