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The Metamora State Bank, Performance and Condition Ratios

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2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6266%	2,838
Cost of funding earning assets	0.6781%	3,956
Net interest margin	3.9485%	1,278
Noninterest income to average assets	0.4300%	2,344
Noninterest expense to average assets	3.3263%	722
Loan and lease loss provision to assets	0.0600%	1,903
Net operating income to assets	0.5311%	3,604
Return on assets (ROA)	0.5643%	3,516
Pretax return on assets	0.6661%	3,505
Return on Equity (ROE)	8.2600%	2,954
Retained earnings to average equity (ytd only)	4.6805%	2,721
Net charge-offs to loans	-0.0372%	4,305
Credit loss provision to net charge-offs	0.0000%	2,397
Earnings coverage of net charge-offs (x)	0.0000%	2,831
Efficiency ratio	82.9318%	724
Assets per employee ($millions)	4.2082%	4,083
Cash dividends to net income (ytd only)*	43.3515%	1,927
Condition Ratios (%)
Loss allowance to loans	1.2089%	2,246
Loan loss allowance to noncurrent loans	4,305.2632%	278
Noncurrent assets plus other real estate owned to assets	0.0188%	3,617
Noncurrent loans to loans	0.0281%	3,541
Net loans and leases to total assets	66.1900%	2,244
Net loans and leases to deposits	73.2639%	2,672
Net loans and leases to core deposits	78.8241%	2,773
Total domestic deposits to total assets	90.3400%	668
Equity capital to assets	6.8864%	3,979
Core capital (leverage) ratio	8.4421%	4,142
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.7370%	1,965
Memoranda:
Average total assets	$97,285,400	3,854
Average earning assets	$88,336,600	3,846
Average equity	$6,644,600	4,090
Average total loans	$64,535,000	3,636
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5607%	2,775
Cost of funding earning assets	0.5463%	4,066
Net interest margin	4.0144%	1,197
Noninterest income to average assets	0.4300%	2,306
Noninterest expense to average assets	3.3153%	708
Loan and lease loss provision to assets	0.0400%	2,145
Net operating income to assets	0.6122%	3,512
Return on assets (ROA)	0.6227%	3,484
Pretax return on assets	0.7389%	3,473
Return on Equity (ROE)	9.1400%	2,889
Retained earnings to average equity (ytd only)	6.7609%	2,369
Net charge-offs to loans	-0.0502%	4,361
Credit loss provision to net charge-offs	0.0000%	2,098
Earnings coverage of net charge-offs (x)	0.0000%	2,572
Efficiency ratio	81.2479%	787
Assets per employee ($millions)	4.3942%	4,007
Cash dividends to net income (ytd only)*	26.0000%	2,215
Condition Ratios (%)
Loss allowance to loans	1.2009%	2,356
Loan loss allowance to noncurrent loans	2,922.2222%	378
Noncurrent assets plus other real estate owned to assets	0.0279%	3,527
Noncurrent loans to loans	0.0411%	3,470
Net loans and leases to total assets	67.1400%	2,143
Net loans and leases to deposits	74.3065%	2,538
Net loans and leases to core deposits	79.4996%	2,636
Total domestic deposits to total assets	90.3600%	848
Equity capital to assets	6.6948%	3,756
Core capital (leverage) ratio	8.7888%	3,955
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.3385%	1,775
Memoranda:
Average total assets	$96,357,750	3,875
Average earning assets	$87,615,250	3,868
Average equity	$6,567,000	4,098
Average total loans	$63,752,750	3,657
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4552%	2,755
Cost of funding earning assets	0.4483%	4,087
Net interest margin	4.0069%	1,227
Noninterest income to average assets	0.4300%	2,254
Noninterest expense to average assets	3.2165%	774
Loan and lease loss provision to assets	0.0200%	2,476
Net operating income to assets	0.7030%	3,339
Return on assets (ROA)	0.7189%	3,302
Pretax return on assets	0.8478%	3,284
Return on Equity (ROE)	10.4900%	2,557
Retained earnings to average equity (ytd only)	6.9408%	2,301
Net charge-offs to loans	-0.0761%	4,472
Credit loss provision to net charge-offs	0.0000%	1,862
Earnings coverage of net charge-offs (x)	0.0000%	2,403
Efficiency ratio	79.1007%	904
Assets per employee ($millions)	4.5089%	3,946
Cash dividends to net income (ytd only)*	33.8150%	1,958
Condition Ratios (%)
Loss allowance to loans	1.2275%	2,305
Loan loss allowance to noncurrent loans	2,855.5556%	419
Noncurrent assets plus other real estate owned to assets	0.0285%	3,501
Noncurrent loans to loans	0.0430%	3,416
Net loans and leases to total assets	65.5200%	2,209
Net loans and leases to deposits	72.6728%	2,598
Net loans and leases to core deposits	77.1181%	2,680
Total domestic deposits to total assets	90.1600%	882
Equity capital to assets	6.9112%	3,841
Core capital (leverage) ratio	8.7665%	3,953
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.1410%	1,529
Memoranda:
Average total assets	$96,253,000	3,883
Average earning assets	$87,448,333	3,886
Average equity	$6,598,667	4,119
Average total loans	$63,104,333	3,673
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4045%	2,538
Cost of funding earning assets	0.3516%	4,070
Net interest margin	4.0529%	1,172
Noninterest income to average assets	0.4200%	2,267
Noninterest expense to average assets	3.1917%	808
Loan and lease loss provision to assets	0.0600%	1,589
Net operating income to assets	0.7040%	3,455
Return on assets (ROA)	0.7207%	3,373
Pretax return on assets	0.8855%	3,277
Return on Equity (ROE)	10.4200%	2,661
Retained earnings to average equity (ytd only)	10.4236%	1,597
Net charge-offs to loans	-0.1455%	4,559
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	77.5000%	1,046
Assets per employee ($millions)	4.3886%	4,084
Cash dividends to net income (ytd only)*	0.0000%	2,306
Condition Ratios (%)
Loss allowance to loans	0.8358%	4,018
Loan loss allowance to noncurrent loans	1,959.2593%	598
Noncurrent assets plus other real estate owned to assets	0.0280%	3,502
Noncurrent loans to loans	0.0427%	3,434
Net loans and leases to total assets	65.0000%	2,155
Net loans and leases to deposits	72.3125%	2,444
Net loans and leases to core deposits	76.4108%	2,495
Total domestic deposits to total assets	89.8900%	1,195
Equity capital to assets	7.1953%	3,734
Core capital (leverage) ratio	8.4647%	4,171
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.0850%	1,602
Memoranda:
Average total assets	$97,125,500	3,931
Average earning assets	$88,727,500	3,932
Average equity	$6,715,500	4,157
Average total loans	$63,251,000	3,709
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6084%	2,782
Cost of funding earning assets	0.2262%	3,541
Net interest margin	3.3822%	2,310
Noninterest income to average assets	0.4200%	2,575
Noninterest expense to average assets	3.0811%	857
Loan and lease loss provision to assets	0.0600%	1,752
Net operating income to assets	0.3458%	4,321
Return on assets (ROA)	0.3733%	4,247
Pretax return on assets	0.4448%	4,233
Return on Equity (ROE)	5.2800%	3,971
Retained earnings to average equity (ytd only)	3.8158%	3,457
Net charge-offs to loans	-0.0097%	3,823
Credit loss provision to net charge-offs	0.0000%	1,979
Earnings coverage of net charge-offs (x)	0.0000%	2,564
Efficiency ratio	86.7550%	401
Assets per employee ($millions)	4.2479%	4,175
Cash dividends to net income (ytd only)*	27.6712%	2,532
Condition Ratios (%)
Loss allowance to loans	0.7752%	4,085
Loan loss allowance to noncurrent loans	0.0000%	3,900
Noncurrent assets plus other real estate owned to assets	0.0000%	3,976
Noncurrent loans to loans	0.0000%	3,914
Net loans and leases to total assets	64.2000%	2,226
Net loans and leases to deposits	70.9111%	2,499
Net loans and leases to core deposits	74.0619%	2,558
Total domestic deposits to total assets	90.5300%	1,136
Equity capital to assets	6.6365%	3,846
Core capital (leverage) ratio	8.5347%	4,102
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.5436%	2,152
Memoranda:
Average total assets	$97,788,600	3,948
Average earning assets	$90,622,600	3,927
Average equity	$6,918,600	4,227
Average total loans	$61,542,600	3,699
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4732%	2,702
Cost of funding earning assets	0.2244%	2,993
Net interest margin	3.2488%	2,462
Noninterest income to average assets	0.4200%	2,617
Noninterest expense to average assets	2.9948%	911
Loan and lease loss provision to assets	0.0600%	1,588
Net operating income to assets	0.3258%	4,347
Return on assets (ROA)	0.3258%	4,302
Pretax return on assets	0.3844%	4,282
Return on Equity (ROE)	4.5300%	4,074
Retained earnings to average equity (ytd only)	4.5346%	3,269
Net charge-offs to loans	-0.0131%	3,816
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	0.0000%	2,297
Efficiency ratio	87.1825%	412
Assets per employee ($millions)	4.3618%	4,145
Cash dividends to net income (ytd only)*	0.0000%	3,071
Condition Ratios (%)
Loss allowance to loans	0.7924%	4,110
Loan loss allowance to noncurrent loans	1,250.0000%	813
Noncurrent assets plus other real estate owned to assets	0.0396%	3,511
Noncurrent loans to loans	0.0634%	3,423
Net loans and leases to total assets	61.9700%	2,291
Net loans and leases to deposits	68.3348%	2,511
Net loans and leases to core deposits	70.5629%	2,602
Total domestic deposits to total assets	90.6900%	1,368
Equity capital to assets	6.6997%	3,659
Core capital (leverage) ratio	8.3835%	4,154
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.8167%	2,125
Memoranda:
Average total assets	$97,810,250	3,973
Average earning assets	$90,904,250	3,949
Average equity	$7,027,250	4,251
Average total loans	$61,125,000	3,728
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2912%	2,771
Cost of funding earning assets	0.2245%	2,589
Net interest margin	3.0667%	2,660
Noninterest income to average assets	0.4145%	2,666
Noninterest expense to average assets	2.9504%	912
Loan and lease loss provision to assets	0.0508%	1,671
Net operating income to assets	0.2357%	4,379
Return on assets (ROA)	0.2357%	4,339
Pretax return on assets	0.2723%	4,334
Return on Equity (ROE)	3.2103%	4,186
Retained earnings to average equity (ytd only)	3.2103%	3,381
Net charge-offs to loans	0.0000%	2,156
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	90.1304%	398
Assets per employee ($millions)	4.4018%	4,153
Cash dividends to net income (ytd only)*	0.0000%	2,927
Condition Ratios (%)
Loss allowance to loans	0.7370%	4,273
Loan loss allowance to noncurrent loans	755.0000%	1,145
Noncurrent assets plus other real estate owned to assets	0.0620%	3,361
Noncurrent loans to loans	0.0976%	3,274
Net loans and leases to total assets	63.0035%	2,015
Net loans and leases to deposits	69.5404%	2,257
Net loans and leases to core deposits	71.7873%	2,362
Total domestic deposits to total assets	90.5999%	1,415
Equity capital to assets	6.8660%	3,837
Core capital (leverage) ratio	8.1832%	4,201
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.1985%	2,411
Memoranda:
Average total assets	$98,427,333	4,006
Average earning assets	$91,761,000	3,995
Average equity	$7,226,667	4,291
Average total loans	$61,518,667	3,765
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1771%	2,759
Cost of funding earning assets	0.1945%	2,872
Net interest margin	2.9826%	2,559
Noninterest income to average assets	0.3910%	2,753
Noninterest expense to average assets	2.8703%	1,015
Loan and lease loss provision to assets	0.0403%	1,631
Net operating income to assets	0.2298%	4,282
Return on assets (ROA)	0.2298%	4,249
Pretax return on assets	0.2620%	4,249
Return on Equity (ROE)	3.0337%	4,079
Retained earnings to average equity (ytd only)	3.0337%	3,250
Net charge-offs to loans	0.0000%	1,838
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	90.4701%	525
Assets per employee ($millions)	5.2321%	3,559
Cash dividends to net income (ytd only)*	0.0000%	2,254
Condition Ratios (%)
Loss allowance to loans	0.7214%	4,353
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,139
Noncurrent loans to loans	0.0000%	4,066
Net loans and leases to total assets	60.6358%	1,994
Net loans and leases to deposits	67.1128%	2,231
Net loans and leases to core deposits	71.2093%	2,177
Total domestic deposits to total assets	90.3491%	1,355
Equity capital to assets	7.1401%	4,136
Core capital (leverage) ratio	7.7817%	4,441
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.5653%	2,390
Memoranda:
Average total assets	$99,221,500	4,012
Average earning assets	$92,536,500	3,998
Average equity	$7,515,500	4,314
Average total loans	$61,545,500	3,768
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8600%	1,726
Cost of funding earning assets	0.4218%	1,379
Net interest margin	3.4382%	1,910
Noninterest income to average assets	0.4266%	2,915
Noninterest expense to average assets	3.0352%	933
Loan and lease loss provision to assets	0.0083%	2,913
Net operating income to assets	0.4609%	4,159
Return on assets (ROA)	0.4609%	4,207
Pretax return on assets	0.5564%	4,168
Return on Equity (ROE)	5.5842%	3,863
Retained earnings to average equity (ytd only)	4.8170%	2,850
Net charge-offs to loans	0.0530%	1,267
Credit loss provision to net charge-offs	23.5294%	2,267
Earnings coverage of net charge-offs (x)	16.0000%	1,992
Efficiency ratio	84.3137%	556
Assets per employee ($millions)	4.7159%	3,953
Cash dividends to net income (ytd only)*	13.7387%	3,233
Condition Ratios (%)
Loss allowance to loans	0.6862%	4,446
Loan loss allowance to noncurrent loans	285.3333%	2,118
Noncurrent assets plus other real estate owned to assets	0.1515%	2,882
Noncurrent loans to loans	0.2405%	2,768
Net loans and leases to total assets	62.5519%	1,878
Net loans and leases to deposits	69.9531%	2,139
Net loans and leases to core deposits	74.2859%	2,055
Total domestic deposits to total assets	89.4197%	1,287
Equity capital to assets	8.0105%	4,356
Core capital (leverage) ratio	7.9947%	4,370
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.0521%	2,611
Memoranda:
Average total assets	$96,335,400	4,029
Average earning assets	$88,912,200	4,036
Average equity	$7,951,000	4,331
Average total loans	$64,153,200	3,761
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9660%	1,617
Cost of funding earning assets	0.4719%	1,203
Net interest margin	3.4941%	1,875
Noninterest income to average assets	0.4293%	2,934
Noninterest expense to average assets	3.0816%	847
Loan and lease loss provision to assets	0.0115%	2,758
Net operating income to assets	0.4586%	4,282
Return on assets (ROA)	0.4586%	4,317
Pretax return on assets	0.5561%	4,291
Return on Equity (ROE)	5.5139%	4,017
Retained earnings to average equity (ytd only)	4.4915%	3,406
Net charge-offs to loans	0.0103%	1,935
Credit loss provision to net charge-offs	160.0000%	1,319
Earnings coverage of net charge-offs (x)	81.4000%	978
Efficiency ratio	84.4538%	498
Assets per employee ($millions)	4.8257%	3,862
Cash dividends to net income (ytd only)*	18.5410%	2,617
Condition Ratios (%)
Loss allowance to loans	0.7072%	4,488
Loan loss allowance to noncurrent loans	173.7643%	2,723
Noncurrent assets plus other real estate owned to assets	0.2725%	2,416
Noncurrent loans to loans	0.4070%	2,340
Net loans and leases to total assets	66.4857%	1,486
Net loans and leases to deposits	74.7478%	1,786
Net loans and leases to core deposits	80.0429%	1,730
Total domestic deposits to total assets	88.9467%	1,313
Equity capital to assets	8.3045%	4,342
Core capital (leverage) ratio	8.0303%	4,445
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.9403%	2,726
Memoranda:
Average total assets	$95,661,000	4,088
Average earning assets	$88,147,250	4,091
Average equity	$7,955,500	4,392
Average total loans	$64,597,750	3,803
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0803%	1,388
Cost of funding earning assets	0.4995%	1,206
Net interest margin	3.5808%	1,633
Noninterest income to average assets	0.4341%	2,938
Noninterest expense to average assets	3.0972%	846
Loan and lease loss provision to assets	0.0042%	2,801
Net operating income to assets	0.5096%	4,201
Return on assets (ROA)	0.5096%	4,245
Pretax return on assets	0.6249%	4,196
Return on Equity (ROE)	6.1242%	3,875
Retained earnings to average equity (ytd only)	4.5869%	3,331
Net charge-offs to loans	0.0031%	2,073
Credit loss provision to net charge-offs	200.0000%	1,053
Earnings coverage of net charge-offs (x)	300.0000%	373
Efficiency ratio	83.1176%	604
Assets per employee ($millions)	4.8323%	3,804
Cash dividends to net income (ytd only)*	25.1029%	2,293
Condition Ratios (%)
Loss allowance to loans	0.6913%	4,545
Loan loss allowance to noncurrent loans	798.2456%	882
Noncurrent assets plus other real estate owned to assets	0.0590%	3,841
Noncurrent loans to loans	0.0866%	3,749
Net loans and leases to total assets	67.6355%	1,496
Net loans and leases to deposits	75.9560%	1,825
Net loans and leases to core deposits	82.0760%	1,716
Total domestic deposits to total assets	89.0456%	1,265
Equity capital to assets	8.2218%	4,418
Core capital (leverage) ratio	8.0666%	4,369
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.8483%	2,759
Memoranda:
Average total assets	$95,376,667	4,117
Average earning assets	$87,690,333	4,117
Average equity	$7,935,667	4,418
Average total loans	$64,588,667	3,825
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0499%	1,511
Cost of funding earning assets	0.5190%	1,276
Net interest margin	3.5309%	1,744
Noninterest income to average assets	0.4180%	2,996
Noninterest expense to average assets	3.0609%	892
Loan and lease loss provision to assets	0.0000%	2,741
Net operating income to assets	0.4813%	4,207
Return on assets (ROA)	0.4813%	4,246
Pretax return on assets	0.5742%	4,229
Return on Equity (ROE)	5.7500%	3,931
Retained earnings to average equity (ytd only)	5.7500%	2,986
Net charge-offs to loans	0.0000%	1,930
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	84.2044%	586
Assets per employee ($millions)	4.6344%	3,991
Cash dividends to net income (ytd only)*	0.0000%	2,433
Condition Ratios (%)
Loss allowance to loans	0.7015%	4,570
Loan loss allowance to noncurrent loans	756.6667%	851
Noncurrent assets plus other real estate owned to assets	0.0617%	3,934
Noncurrent loans to loans	0.0927%	3,842
Net loans and leases to total assets	66.0286%	1,801
Net loans and leases to deposits	74.0351%	2,115
Net loans and leases to core deposits	80.4872%	1,958
Total domestic deposits to total assets	89.1855%	1,248
Equity capital to assets	8.0988%	4,434
Core capital (leverage) ratio	8.1052%	4,483
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.8691%	2,715
Memoranda:
Average total assets	$94,742,000	4,133
Average earning assets	$86,324,000	4,141
Average equity	$7,930,500	4,437
Average total loans	$63,972,000	3,845
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2670%	1,964
Cost of funding earning assets	0.6311%	2,114
Net interest margin	3.6359%	2,021
Noninterest income to average assets	0.4569%	2,837
Noninterest expense to average assets	3.3547%	840
Loan and lease loss provision to assets	0.0000%	4,319
Net operating income to assets	0.3912%	4,267
Return on assets (ROA)	0.3922%	4,344
Pretax return on assets	0.4558%	4,343
Return on Equity (ROE)	4.3820%	4,065
Retained earnings to average equity (ytd only)	2.6499%	3,527
Net charge-offs to loans	-0.0048%	4,118
Credit loss provision to net charge-offs	0.0000%	3,264
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	88.0656%	446
Assets per employee ($millions)	4.6081%	3,804
Cash dividends to net income (ytd only)*	39.5280%	2,381
Condition Ratios (%)
Loss allowance to loans	0.7180%	4,561
Loan loss allowance to noncurrent loans	280.2469%	1,812
Noncurrent assets plus other real estate owned to assets	0.1758%	3,399
Noncurrent loans to loans	0.2562%	3,273
Net loans and leases to total assets	68.1145%	1,812
Net loans and leases to deposits	76.9688%	2,176
Net loans and leases to core deposits	84.1172%	2,025
Total domestic deposits to total assets	88.4962%	1,231
Equity capital to assets	8.6577%	4,333
Core capital (leverage) ratio	8.3570%	4,349
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.3874%	2,827
Memoranda:
Average total assets	$86,446,400	4,169
Average earning assets	$79,704,800	4,162
Average equity	$7,736,200	4,449
Average total loans	$62,174,800	3,881
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3844%	1,892
Cost of funding earning assets	0.6595%	2,272
Net interest margin	3.7250%	1,857
Noninterest income to average assets	0.4689%	2,747
Noninterest expense to average assets	3.4251%	775
Loan and lease loss provision to assets	0.0000%	4,239
Net operating income to assets	0.4064%	4,255
Return on assets (ROA)	0.4077%	4,315
Pretax return on assets	0.4736%	4,333
Return on Equity (ROE)	4.5164%	4,025
Retained earnings to average equity (ytd only)	3.2483%	3,418
Net charge-offs to loans	-0.0043%	4,021
Credit loss provision to net charge-offs	0.0000%	3,006
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	87.8873%	421
Assets per employee ($millions)	4.4983%	3,851
Cash dividends to net income (ytd only)*	28.0769%	2,449
Condition Ratios (%)
Loss allowance to loans	0.6880%	4,598
Loan loss allowance to noncurrent loans	404.4643%	1,267
Noncurrent assets plus other real estate owned to assets	0.1245%	3,802
Noncurrent loans to loans	0.1701%	3,702
Net loans and leases to total assets	72.6875%	1,557
Net loans and leases to deposits	82.4620%	2,055
Net loans and leases to core deposits	90.3232%	1,947
Total domestic deposits to total assets	88.1466%	1,149
Equity capital to assets	8.8611%	4,209
Core capital (leverage) ratio	8.9054%	3,862
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.4893%	2,795
Memoranda:
Average total assets	$85,017,750	4,186
Average earning assets	$78,244,750	4,193
Average equity	$7,675,500	4,482
Average total loans	$61,911,250	3,902
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5824%	1,686
Cost of funding earning assets	0.6893%	2,450
Net interest margin	3.8931%	1,585
Noninterest income to average assets	0.4750%	2,683
Noninterest expense to average assets	3.3562%	916
Loan and lease loss provision to assets	0.0000%	4,134
Net operating income to assets	0.5809%	3,799
Return on assets (ROA)	0.5830%	3,875
Pretax return on assets	0.6981%	3,876
Return on Equity (ROE)	6.4144%	3,361
Retained earnings to average equity (ytd only)	4.4875%	2,709
Net charge-offs to loans	-0.0033%	3,901
Credit loss provision to net charge-offs	0.0000%	2,759
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	82.8301%	706
Assets per employee ($millions)	4.3012%	3,998
Cash dividends to net income (ytd only)*	30.0412%	2,364
Condition Ratios (%)
Loss allowance to loans	0.7018%	4,560
Loan loss allowance to noncurrent loans	358.7302%	1,342
Noncurrent assets plus other real estate owned to assets	0.1465%	3,790
Noncurrent loans to loans	0.1956%	3,676
Net loans and leases to total assets	74.3409%	1,366
Net loans and leases to deposits	84.8359%	1,910
Net loans and leases to core deposits	93.3496%	1,801
Total domestic deposits to total assets	87.6290%	1,363
Equity capital to assets	9.2114%	3,914
Core capital (leverage) ratio	8.8996%	4,010
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.1497%	2,926
Memoranda:
Average total assets	$83,368,333	4,216
Average earning assets	$76,596,667	4,216
Average equity	$7,576,667	4,513
Average total loans	$60,599,333	3,933
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2656%	3,017
Cost of funding earning assets	0.7552%	2,638
Net interest margin	3.5103%	2,943
Noninterest income to average assets	0.5071%	2,515
Noninterest expense to average assets	3.4373%	1,022
Loan and lease loss provision to assets	0.0000%	3,711
Net operating income to assets	0.2589%	4,433
Return on assets (ROA)	0.2633%	4,448
Pretax return on assets	0.2925%	4,466
Return on Equity (ROE)	2.9177%	4,237
Retained earnings to average equity (ytd only)	2.9177%	3,118
Net charge-offs to loans	0.0000%	2,581
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	92.2775%	418
Assets per employee ($millions)	3.8659%	4,092
Cash dividends to net income (ytd only)*	0.0000%	2,581
Condition Ratios (%)
Loss allowance to loans	0.7493%	4,522
Loan loss allowance to noncurrent loans	349.6124%	1,344
Noncurrent assets plus other real estate owned to assets	0.1589%	3,864
Noncurrent loans to loans	0.2143%	3,710
Net loans and leases to total assets	73.5884%	1,681
Net loans and leases to deposits	85.4874%	2,061
Net loans and leases to core deposits	94.4120%	1,932
Total domestic deposits to total assets	86.0810%	1,971
Equity capital to assets	9.1151%	4,525
Core capital (leverage) ratio	8.8638%	4,556
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.6854%	2,850
Memoranda:
Average total assets	$82,040,500	4,241
Average earning assets	$75,207,000	4,236
Average equity	$7,403,000	4,564
Average total loans	$58,697,500	3,979
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3673%	3,341
Cost of funding earning assets	0.7423%	2,957
Net interest margin	3.6250%	3,061
Noninterest income to average assets	0.5767%	2,327
Noninterest expense to average assets	3.5189%	941
Loan and lease loss provision to assets	0.0038%	3,925
Net operating income to assets	0.3224%	4,723
Return on assets (ROA)	0.3235%	4,745
Pretax return on assets	0.3708%	4,752
Return on Equity (ROE)	3.5001%	4,578
Retained earnings to average equity (ytd only)	1.5079%	4,201
Net charge-offs to loans	0.0146%	3,182
Credit loss provision to net charge-offs	37.5000%	3,223
Earnings coverage of net charge-offs (x)	36.5000%	1,394
Efficiency ratio	90.4074%	342
Assets per employee ($millions)	4.1449%	3,704
Cash dividends to net income (ytd only)*	56.9170%	1,713
Condition Ratios (%)
Loss allowance to loans	0.7884%	4,341
Loan loss allowance to noncurrent loans	683.3333%	762
Noncurrent assets plus other real estate owned to assets	0.1761%	3,773
Noncurrent loans to loans	0.1154%	4,072
Net loans and leases to total assets	68.4597%	2,615
Net loans and leases to deposits	77.8381%	3,026
Net loans and leases to core deposits	85.7460%	2,806
Total domestic deposits to total assets	87.9513%	1,146
Equity capital to assets	8.9340%	4,718
Core capital (leverage) ratio	8.6507%	4,758
Tier 1 risk-based capital ratio	13.1114%	3,737
Total risk-based capital ratio	13.9260%	3,839
Memoranda:
Average total assets	$78,206,000	4,318
Average earning assets	$71,530,800	4,324
Average equity	$7,228,400	4,612
Average total loans	$54,902,400	4,081
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3838%	3,412
Cost of funding earning assets	0.7259%	3,089
Net interest margin	3.6579%	3,065
Noninterest income to average assets	0.5833%	2,294
Noninterest expense to average assets	3.5759%	876
Loan and lease loss provision to assets	0.0052%	3,773
Net operating income to assets	0.3100%	4,825
Return on assets (ROA)	0.3115%	4,844
Pretax return on assets	0.3531%	4,857
Return on Equity (ROE)	3.3406%	4,707
Retained earnings to average equity (ytd only)	1.8003%	4,340
Net charge-offs to loans	0.0270%	2,552
Credit loss provision to net charge-offs	27.2727%	2,929
Earnings coverage of net charge-offs (x)	18.7226%	2,037
Efficiency ratio	90.9331%	298
Assets per employee ($millions)	4.1333%	3,703
Cash dividends to net income (ytd only)*	46.1103%	1,874
Condition Ratios (%)
Loss allowance to loans	0.8215%	4,343
Loan loss allowance to noncurrent loans	658.8235%	788
Noncurrent assets plus other real estate owned to assets	0.1536%	3,972
Noncurrent loans to loans	0.1247%	4,089
Net loans and leases to total assets	65.4247%	3,125
Net loans and leases to deposits	74.4692%	3,439
Net loans and leases to core deposits	81.8401%	3,261
Total domestic deposits to total assets	87.8547%	1,097
Equity capital to assets	8.9819%	4,788
Core capital (leverage) ratio	9.0928%	4,560
Tier 1 risk-based capital ratio	13.6438%	3,508
Total risk-based capital ratio	14.4861%	3,627
Memoranda:
Average total assets	$77,033,250	4,385
Average earning assets	$70,531,250	4,392
Average equity	$7,184,000	4,672
Average total loans	$54,327,500	4,143
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4164%	3,290
Cost of funding earning assets	0.6792%	3,280
Net interest margin	3.7371%	2,803
Noninterest income to average assets	0.6014%	2,145
Noninterest expense to average assets	3.6777%	772
Loan and lease loss provision to assets	0.0027%	3,653
Net operating income to assets	0.3007%	4,872
Return on assets (ROA)	0.3007%	4,881
Pretax return on assets	0.3326%	4,904
Return on Equity (ROE)	3.1815%	4,758
Retained earnings to average equity (ytd only)	0.8446%	4,478
Net charge-offs to loans	-0.0074%	4,233
Credit loss provision to net charge-offs	-50.0000%	3,828
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	91.6446%	289
Assets per employee ($millions)	3.5215%	4,476
Cash dividends to net income (ytd only)*	73.4513%	990
Condition Ratios (%)
Loss allowance to loans	0.8260%	4,343
Loan loss allowance to noncurrent loans	249.4565%	1,836
Noncurrent assets plus other real estate owned to assets	0.2375%	3,621
Noncurrent loans to loans	0.3311%	3,349
Net loans and leases to total assets	71.1393%	2,355
Net loans and leases to deposits	81.4859%	2,788
Net loans and leases to core deposits	90.9545%	2,515
Total domestic deposits to total assets	87.3025%	1,439
Equity capital to assets	9.3685%	4,525
Core capital (leverage) ratio	9.5606%	4,091
Tier 1 risk-based capital ratio	13.5487%	3,550
Total risk-based capital ratio	14.4148%	3,662
Memoranda:
Average total assets	$75,155,670	4,450
Average earning assets	$68,608,670	4,455
Average equity	$7,103,670	4,709
Average total loans	$54,259,330	4,169
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3987%	3,233
Cost of funding earning assets	0.5979%	3,587
Net interest margin	3.8008%	2,523
Noninterest income to average assets	0.6108%	1,999
Noninterest expense to average assets	3.5569%	894
Loan and lease loss provision to assets	0.0000%	3,406
Net operating income to assets	0.4595%	4,622
Return on assets (ROA)	0.4595%	4,638
Pretax return on assets	0.5243%	4,633
Return on Equity (ROE)	4.8388%	4,369
Retained earnings to average equity (ytd only)	4.4403%	3,152
Net charge-offs to loans	-0.0298%	4,640
Credit loss provision to net charge-offs	0.0000%	2,210
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	87.1523%	523
Assets per employee ($millions)	3.1989%	4,831
Cash dividends to net income (ytd only)*	8.2353%	2,669
Condition Ratios (%)
Loss allowance to loans	0.8615%	4,294
Loan loss allowance to noncurrent loans	248.6486%	1,827
Noncurrent assets plus other real estate owned to assets	0.2514%	3,608
Noncurrent loans to loans	0.3465%	3,337
Net loans and leases to total assets	71.9480%	2,172
Net loans and leases to deposits	82.9403%	2,507
Net loans and leases to core deposits	89.1672%	2,589
Total domestic deposits to total assets	86.7467%	1,933
Equity capital to assets	9.7140%	4,081
Core capital (leverage) ratio	9.8596%	3,752
Tier 1 risk-based capital ratio	14.2868%	3,200
Total risk-based capital ratio	15.1961%	3,285
Memoranda:
Average total assets	$73,997,500	4,510
Average earning assets	$67,565,500	4,518
Average equity	$7,026,500	4,749
Average total loans	$53,603,000	4,225
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3367%	2,975
Cost of funding earning assets	0.5636%	2,965
Net interest margin	3.7731%	2,767
Noninterest income to average assets	0.5659%	2,467
Noninterest expense to average assets	3.4740%	1,030
Loan and lease loss provision to assets	0.0095%	3,930
Net operating income to assets	0.4434%	4,780
Return on assets (ROA)	0.4434%	4,776
Pretax return on assets	0.5060%	4,785
Return on Equity (ROE)	4.8256%	4,497
Retained earnings to average equity (ytd only)	3.6118%	3,599
Net charge-offs to loans	0.0537%	2,384
Credit loss provision to net charge-offs	25.0000%	3,377
Earnings coverage of net charge-offs (x)	13.5357%	2,449
Efficiency ratio	87.0781%	474
Assets per employee ($millions)	3.9169%	4,015
Cash dividends to net income (ytd only)*	25.1534%	3,272
Condition Ratios (%)
Loss allowance to loans	0.8474%	4,363
Loan loss allowance to noncurrent loans	245.1613%	1,915
Noncurrent assets plus other real estate owned to assets	0.2499%	3,596
Noncurrent loans to loans	0.3457%	3,306
Net loans and leases to total assets	71.6935%	2,313
Net loans and leases to deposits	82.2238%	2,706
Net loans and leases to core deposits	89.0779%	2,646
Total domestic deposits to total assets	87.1931%	1,685
Equity capital to assets	9.2796%	4,339
Core capital (leverage) ratio	9.5130%	4,100
Tier 1 risk-based capital ratio	14.3620%	3,137
Total risk-based capital ratio	15.2780%	3,209
Memoranda:
Average total assets	$73,517,600	4,531
Average earning assets	$66,709,000	4,544
Average equity	$6,755,600	4,784
Average total loans	$52,182,000	4,258
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2859%	3,016
Cost of funding earning assets	0.5629%	2,763
Net interest margin	3.7230%	2,927
Noninterest income to average assets	0.5658%	2,493
Noninterest expense to average assets	3.4510%	1,047
Loan and lease loss provision to assets	0.0127%	3,742
Net operating income to assets	0.4148%	4,924
Return on assets (ROA)	0.4148%	4,931
Pretax return on assets	0.4712%	4,941
Return on Equity (ROE)	4.5250%	4,690
Retained earnings to average equity (ytd only)	2.8976%	4,273
Net charge-offs to loans	0.0747%	1,780
Credit loss provision to net charge-offs	24.1379%	2,994
Earnings coverage of net charge-offs (x)	9.1715%	2,661
Efficiency ratio	87.7023%	419
Assets per employee ($millions)	3.7309%	4,260
Cash dividends to net income (ytd only)*	35.9650%	2,256
Condition Ratios (%)
Loss allowance to loans	0.8579%	4,431
Loan loss allowance to noncurrent loans	242.0213%	1,934
Noncurrent assets plus other real estate owned to assets	0.2519%	3,698
Noncurrent loans to loans	0.3545%	3,382
Net loans and leases to total assets	70.4656%	2,571
Net loans and leases to deposits	80.9110%	2,940
Net loans and leases to core deposits	87.6290%	2,865
Total domestic deposits to total assets	87.0902%	1,687
Equity capital to assets	8.9817%	4,563
Core capital (leverage) ratio	9.6839%	3,961
Tier 1 risk-based capital ratio	14.1405%	3,298
Total risk-based capital ratio	15.0511%	3,376
Memoranda:
Average total assets	$73,291,750	4,584
Average earning assets	$66,324,000	4,604
Average equity	$6,718,000	4,840
Average total loans	$51,774,750	4,319
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2142%	3,071
Cost of funding earning assets	0.5645%	2,479
Net interest margin	3.6497%	3,119
Noninterest income to average assets	0.5491%	2,583
Noninterest expense to average assets	3.4784%	1,025
Loan and lease loss provision to assets	0.0055%	3,723
Net operating income to assets	0.3432%	5,054
Return on assets (ROA)	0.3432%	5,055
Pretax return on assets	0.3844%	5,060
Return on Equity (ROE)	3.7184%	4,883
Retained earnings to average equity (ytd only)	1.4576%	4,649
Net charge-offs to loans	0.1129%	1,250
Credit loss provision to net charge-offs	6.8966%	2,741
Earnings coverage of net charge-offs (x)	4.8966%	2,760
Efficiency ratio	89.9219%	373
Assets per employee ($millions)	3.8332%	4,161
Cash dividends to net income (ytd only)*	60.8000%	1,280
Condition Ratios (%)
Loss allowance to loans	0.8697%	4,474
Loan loss allowance to noncurrent loans	236.8421%	1,991
Noncurrent assets plus other real estate owned to assets	0.2609%	3,715
Noncurrent loans to loans	0.3672%	3,377
Net loans and leases to total assets	70.4270%	2,517
Net loans and leases to deposits	82.3333%	2,736
Net loans and leases to core deposits	89.6306%	2,603
Total domestic deposits to total assets	85.5389%	2,482
Equity capital to assets	9.1844%	4,395
Core capital (leverage) ratio	9.6629%	3,926
Tier 1 risk-based capital ratio	14.3357%	3,185
Total risk-based capital ratio	15.2623%	3,273
Memoranda:
Average total assets	$72,849,670	4,640
Average earning assets	$66,252,000	4,653
Average equity	$6,723,330	4,888
Average total loans	$51,354,670	4,367
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1322%	3,117
Cost of funding earning assets	0.5437%	2,452
Net interest margin	3.5885%	3,226
Noninterest income to average assets	0.5655%	2,443
Noninterest expense to average assets	3.5026%	997
Loan and lease loss provision to assets	0.0055%	3,436
Net operating income to assets	0.3020%	5,090
Return on assets (ROA)	0.3020%	5,094
Pretax return on assets	0.3184%	5,146
Return on Equity (ROE)	3.2639%	4,960
Retained earnings to average equity (ytd only)	3.2639%	3,901
Net charge-offs to loans	0.2033%	724
Credit loss provision to net charge-offs	3.8462%	2,192
Earnings coverage of net charge-offs (x)	2.2692%	2,476
Efficiency ratio	91.5352%	380
Assets per employee ($millions)	3.6240%	4,510
Cash dividends to net income (ytd only)*	0.0000%	2,749
Condition Ratios (%)
Loss allowance to loans	0.8849%	4,508
Loan loss allowance to noncurrent loans	227.1357%	2,037
Noncurrent assets plus other real estate owned to assets	0.3173%	3,560
Noncurrent loans to loans	0.3896%	3,391
Net loans and leases to total assets	69.8482%	2,510
Net loans and leases to deposits	80.0905%	2,800
Net loans and leases to core deposits	90.4892%	2,413
Total domestic deposits to total assets	87.2116%	2,037
Equity capital to assets	9.2632%	4,306
Core capital (leverage) ratio	9.4913%	4,078
Tier 1 risk-based capital ratio	14.5641%	3,089
Total risk-based capital ratio	15.5080%	3,168
Memoranda:
Average total assets	$72,859,500	4,693
Average earning assets	$66,211,500	4,711
Average equity	$6,740,500	4,938
Average total loans	$51,161,000	4,417
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9657%	3,520
Cost of funding earning assets	0.4297%	2,960
Net interest margin	3.5360%	3,398
Noninterest income to average assets	0.6182%	2,357
Noninterest expense to average assets	3.1945%	1,619
Loan and lease loss provision to assets	0.0028%	4,191
Net operating income to assets	0.4484%	4,543
Return on assets (ROA)	0.5092%	4,388
Pretax return on assets	0.7203%	4,462
Return on Equity (ROE)	5.3199%	4,035
Retained earnings to average equity (ytd only)	3.1141%	3,432
Net charge-offs to loans	0.0063%	3,856
Credit loss provision to net charge-offs	66.6667%	3,136
Earnings coverage of net charge-offs (x)	154.0000%	473
Efficiency ratio	83.3633%	822
Assets per employee ($millions)	3.4876%	4,714
Cash dividends to net income (ytd only)*	41.4634%	2,786
Condition Ratios (%)
Loss allowance to loans	0.9308%	4,312
Loan loss allowance to noncurrent loans	333.5664%	1,540
Noncurrent assets plus other real estate owned to assets	0.2567%	3,852
Noncurrent loans to loans	0.2791%	3,784
Net loans and leases to total assets	69.3169%	2,630
Net loans and leases to deposits	79.4613%	2,975
Net loans and leases to core deposits	90.4470%	2,520
Total domestic deposits to total assets	87.2336%	1,882
Equity capital to assets	9.2396%	4,488
Core capital (leverage) ratio	9.4916%	4,067
Tier 1 risk-based capital ratio	14.3491%	3,172
Total risk-based capital ratio	15.3384%	3,214
Memoranda:
Average total assets	$72,467,600	4,737
Average earning assets	$65,864,600	4,746
Average equity	$6,936,200	4,950
Average total loans	$47,975,000	4,513
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9455%	3,534
Cost of funding earning assets	0.4258%	2,918
Net interest margin	3.5197%	3,430
Noninterest income to average assets	0.6420%	2,245
Noninterest expense to average assets	3.1509%	1,671
Loan and lease loss provision to assets	0.0037%	4,041
Net operating income to assets	0.5237%	4,670
Return on assets (ROA)	0.6106%	4,392
Pretax return on assets	0.8043%	4,336
Return on Equity (ROE)	6.3240%	3,974
Retained earnings to average equity (ytd only)	4.8720%	2,969
Net charge-offs to loans	0.0085%	3,425
Credit loss provision to net charge-offs	66.6667%	2,728
Earnings coverage of net charge-offs (x)	125.3300%	606
Efficiency ratio	81.9578%	922
Assets per employee ($millions)	3.3984%	4,862
Cash dividends to net income (ytd only)*	22.9607%	3,029
Condition Ratios (%)
Loss allowance to loans	0.9892%	4,123
Loan loss allowance to noncurrent loans	157.9470%	2,680
Noncurrent assets plus other real estate owned to assets	0.5255%	2,959
Noncurrent loans to loans	0.6263%	2,830
Net loans and leases to total assets	66.8993%	2,990
Net loans and leases to deposits	77.1533%	3,258
Net loans and leases to core deposits	88.1308%	2,759
Total domestic deposits to total assets	86.7095%	1,989
Equity capital to assets	9.7104%	4,237
Core capital (leverage) ratio	9.7334%	3,899
Tier 1 risk-based capital ratio	15.4187%	2,739
Total risk-based capital ratio	16.4757%	2,757
Memoranda:
Average total assets	$72,274,750	4,786
Average earning assets	$65,761,000	4,797
Average equity	$6,978,500	4,999
Average total loans	$47,157,750	4,576
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8674%	3,661
Cost of funding earning assets	0.4203%	2,890
Net interest margin	3.4471%	3,601
Noninterest income to average assets	0.5539%	2,690
Noninterest expense to average assets	3.0891%	1,863
Loan and lease loss provision to assets	0.0000%	3,871
Net operating income to assets	0.4626%	4,817
Return on assets (ROA)	0.5925%	4,388
Pretax return on assets	0.7771%	4,350
Return on Equity (ROE)	6.1475%	3,984
Retained earnings to average equity (ytd only)	3.9745%	3,341
Net charge-offs to loans	0.0085%	3,152
Credit loss provision to net charge-offs	0.0000%	2,905
Earnings coverage of net charge-offs (x)	110.0000%	610
Efficiency ratio	83.5943%	876
Assets per employee ($millions)	3.8093%	4,263
Cash dividends to net income (ytd only)*	35.3488%	2,565
Condition Ratios (%)
Loss allowance to loans	1.0002%	4,146
Loan loss allowance to noncurrent loans	247.9167%	1,849
Noncurrent assets plus other real estate owned to assets	0.5900%	2,804
Noncurrent loans to loans	0.4034%	3,582
Net loans and leases to total assets	65.0975%	3,237
Net loans and leases to deposits	74.8975%	3,454
Net loans and leases to core deposits	85.5703%	2,923
Total domestic deposits to total assets	86.9156%	1,984
Equity capital to assets	9.4451%	4,462
Core capital (leverage) ratio	9.4740%	4,156
Tier 1 risk-based capital ratio	15.2587%	2,824
Total risk-based capital ratio	16.3202%	2,833
Memoranda:
Average total assets	$72,577,670	4,809
Average earning assets	$66,143,330	4,827
Average equity	$6,994,670	5,024
Average total loans	$46,803,330	4,614
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7961%	3,772
Cost of funding earning assets	0.3869%	3,123
Net interest margin	3.4092%	3,627
Noninterest income to average assets	0.4293%	3,452
Noninterest expense to average assets	3.0931%	1,884
Loan and lease loss provision to assets	0.0000%	3,537
Net operating income to assets	0.3687%	5,028
Return on assets (ROA)	0.3687%	5,047
Pretax return on assets	0.4403%	5,075
Return on Equity (ROE)	3.7885%	4,845
Retained earnings to average equity (ytd only)	3.7885%	3,554
Net charge-offs to loans	-0.0086%	4,360
Credit loss provision to net charge-offs	0.0000%	2,277
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	87.5389%	692
Assets per employee ($millions)	3.6411%	4,586
Cash dividends to net income (ytd only)*	0.0000%	2,824
Condition Ratios (%)
Loss allowance to loans	1.0433%	4,010
Loan loss allowance to noncurrent loans	134.9296%	3,034
Noncurrent assets plus other real estate owned to assets	0.8569%	2,163
Noncurrent loans to loans	0.7732%	2,534
Net loans and leases to total assets	62.3905%	3,481
Net loans and leases to deposits	71.9838%	3,612
Net loans and leases to core deposits	82.2528%	3,069
Total domestic deposits to total assets	86.6730%	2,362
Equity capital to assets	9.7841%	3,991
Core capital (leverage) ratio	9.8982%	3,628
Tier 1 risk-based capital ratio	16.5879%	2,326
Total risk-based capital ratio	17.6809%	2,330
Memoranda:
Average total assets	$72,678,500	4,859
Average earning assets	$66,173,000	4,876
Average equity	$7,074,000	5,048
Average total loans	$46,409,500	4,665
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2595%	2,278
Cost of funding earning assets	0.4151%	2,860
Net interest margin	3.8445%	2,158
Noninterest income to average assets	0.6424%	2,453
Noninterest expense to average assets	3.1046%	2,019
Loan and lease loss provision to assets	0.0029%	4,298
Net operating income to assets	0.7397%	3,592
Return on assets (ROA)	0.7397%	3,706
Pretax return on assets	1.0201%	3,404
Return on Equity (ROE)	7.8191%	3,045
Retained earnings to average equity (ytd only)	5.5505%	1,982
Net charge-offs to loans	0.0062%	4,038
Credit loss provision to net charge-offs	66.6667%	3,162
Earnings coverage of net charge-offs (x)	238.3333%	297
Efficiency ratio	75.2166%	2,109
Assets per employee ($millions)	3.8176%	4,271
Cash dividends to net income (ytd only)*	29.0135%	3,360
Condition Ratios (%)
Loss allowance to loans	1.0191%	4,200
Loan loss allowance to noncurrent loans	133.1476%	3,052
Noncurrent assets plus other real estate owned to assets	0.9237%	2,052
Noncurrent loans to loans	0.7654%	2,626
Net loans and leases to total assets	64.0077%	3,357
Net loans and leases to deposits	73.7960%	3,535
Net loans and leases to core deposits	84.3517%	2,993
Total domestic deposits to total assets	86.7361%	2,270
Equity capital to assets	9.6822%	4,094
Core capital (leverage) ratio	9.9742%	3,514
Tier 1 risk-based capital ratio	17.0707%	2,133
Total risk-based capital ratio	18.2036%	2,125
Memoranda:
Average total assets	$69,896,200	4,936
Average earning assets	$63,363,600	4,955
Average equity	$6,612,000	5,167
Average total loans	$48,557,400	4,616
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3009%	2,159
Cost of funding earning assets	0.4184%	2,857
Net interest margin	3.8825%	2,045
Noninterest income to average assets	0.6316%	2,512
Noninterest expense to average assets	3.1293%	1,957
Loan and lease loss provision to assets	0.0039%	4,145
Net operating income to assets	0.7356%	3,664
Return on assets (ROA)	0.7356%	3,802
Pretax return on assets	1.0187%	3,561
Return on Equity (ROE)	7.8246%	3,102
Retained earnings to average equity (ytd only)	6.6366%	1,829
Net charge-offs to loans	0.0163%	3,401
Credit loss provision to net charge-offs	33.3333%	3,198
Earnings coverage of net charge-offs (x)	88.4975%	714
Efficiency ratio	75.3711%	2,053
Assets per employee ($millions)	3.9937%	3,982
Cash dividends to net income (ytd only)*	15.1830%	3,411
Condition Ratios (%)
Loss allowance to loans	1.0010%	4,400
Loan loss allowance to noncurrent loans	130.1370%	3,084
Noncurrent assets plus other real estate owned to assets	0.9918%	2,089
Noncurrent loans to loans	0.7692%	2,745
Net loans and leases to total assets	65.3512%	3,230
Net loans and leases to deposits	74.5876%	3,540
Net loans and leases to core deposits	89.2916%	2,645
Total domestic deposits to total assets	87.6167%	1,604
Equity capital to assets	8.6483%	5,435
Core capital (leverage) ratio	8.7261%	5,129
Tier 1 risk-based capital ratio	14.1675%	3,472
Total risk-based capital ratio	15.2620%	3,475
Memoranda:
Average total assets	$69,236,500	4,990
Average earning assets	$62,775,750	5,007
Average equity	$6,509,250	5,236
Average total loans	$48,970,250	4,648
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3732%	1,907
Cost of funding earning assets	0.4247%	2,779
Net interest margin	3.9485%	1,816
Noninterest income to average assets	0.6057%	2,594
Noninterest expense to average assets	3.2508%	1,696
Loan and lease loss provision to assets	0.0029%	3,978
Net operating income to assets	0.6583%	4,004
Return on assets (ROA)	0.6583%	4,148
Pretax return on assets	0.9158%	3,892
Return on Equity (ROE)	6.8113%	3,642
Retained earnings to average equity (ytd only)	5.0555%	2,699
Net charge-offs to loans	0.0202%	3,085
Credit loss provision to net charge-offs	20.0000%	2,929
Earnings coverage of net charge-offs (x)	62.8000%	847
Efficiency ratio	77.9649%	1,800
Assets per employee ($millions)	3.4292%	4,872
Cash dividends to net income (ytd only)*	25.7778%	2,997
Condition Ratios (%)
Loss allowance to loans	0.9692%	4,675
Loan loss allowance to noncurrent loans	277.7778%	1,741
Noncurrent assets plus other real estate owned to assets	0.7844%	2,636
Noncurrent loans to loans	0.3489%	4,121
Net loans and leases to total assets	70.7658%	2,357
Net loans and leases to deposits	82.0538%	2,707
Net loans and leases to core deposits	99.4814%	1,676
Total domestic deposits to total assets	86.2431%	2,301
Equity capital to assets	9.7851%	4,467
Core capital (leverage) ratio	9.6488%	4,001
Tier 1 risk-based capital ratio	15.4041%	2,900
Total risk-based capital ratio	16.5082%	2,892
Memoranda:
Average total assets	$68,353,000	5,060
Average earning assets	$61,694,000	5,076
Average equity	$6,606,670	5,267
Average total loans	$49,475,670	4,667
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3889%	1,838
Cost of funding earning assets	0.4090%	2,977
Net interest margin	3.9798%	1,672
Noninterest income to average assets	0.5979%	2,547
Noninterest expense to average assets	3.2885%	1,635
Loan and lease loss provision to assets	0.0000%	3,656
Net operating income to assets	0.6507%	3,971
Return on assets (ROA)	0.6507%	4,092
Pretax return on assets	0.9027%	3,834
Return on Equity (ROE)	6.7740%	3,577
Retained earnings to average equity (ytd only)	6.7740%	1,994
Net charge-offs to loans	-0.1046%	5,656
Credit loss provision to net charge-offs	0.0000%	2,416
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	78.4615%	1,828
Assets per employee ($millions)	3.4109%	4,952
Cash dividends to net income (ytd only)*	0.0000%	2,863
Condition Ratios (%)
Loss allowance to loans	0.9986%	4,618
Loan loss allowance to noncurrent loans	120.0000%	3,227
Noncurrent assets plus other real estate owned to assets	0.9543%	2,319
Noncurrent loans to loans	0.8322%	2,760
Net loans and leases to total assets	71.4998%	2,113
Net loans and leases to deposits	82.8633%	2,446
Net loans and leases to core deposits	100.4469%	1,447
Total domestic deposits to total assets	86.2864%	2,546
Equity capital to assets	9.7161%	4,432
Core capital (leverage) ratio	9.6947%	3,920
Tier 1 risk-based capital ratio	15.2796%	3,025
Total risk-based capital ratio	16.4237%	3,010
Memoranda:
Average total assets	$68,237,500	5,114
Average earning assets	$61,610,500	5,123
Average equity	$6,554,500	5,312
Average total loans	$49,709,000	4,682
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5078%	1,567
Cost of funding earning assets	0.4142%	3,003
Net interest margin	4.0936%	1,425
Noninterest income to average assets	1.0592%	1,051
Noninterest expense to average assets	3.3478%	1,613
Loan and lease loss provision to assets	0.0000%	4,380
Net operating income to assets	1.1113%	1,870
Return on assets (ROA)	1.1113%	1,940
Pretax return on assets	1.3830%	1,967
Return on Equity (ROE)	11.5430%	1,429
Retained earnings to average equity (ytd only)	9.7414%	497
Net charge-offs to loans	-0.0398%	5,491
Credit loss provision to net charge-offs	0.0000%	3,899
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.7657%	3,100
Assets per employee ($millions)	3.4129%	4,962
Cash dividends to net income (ytd only)*	15.6077%	3,927
Condition Ratios (%)
Loss allowance to loans	0.9551%	4,837
Loan loss allowance to noncurrent loans	204.7009%	2,228
Noncurrent assets plus other real estate owned to assets	0.6637%	3,049
Noncurrent loans to loans	0.4666%	3,797
Net loans and leases to total assets	72.7710%	1,928
Net loans and leases to deposits	84.1699%	2,341
Net loans and leases to core deposits	101.9477%	1,368
Total domestic deposits to total assets	86.4573%	2,402
Equity capital to assets	9.4949%	4,554
Core capital (leverage) ratio	9.8629%	3,697
Tier 1 risk-based capital ratio	15.3521%	3,015
Total risk-based capital ratio	16.4904%	2,996
Memoranda:
Average total assets	$65,146,400	5,197
Average earning assets	$58,432,200	5,226
Average equity	$6,272,200	5,379
Average total loans	$47,794,600	4,731
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5165%	1,546
Cost of funding earning assets	0.4207%	3,006
Net interest margin	4.0958%	1,415
Noninterest income to average assets	1.2221%	805
Noninterest expense to average assets	3.3411%	1,593
Loan and lease loss provision to assets	0.0000%	4,232
Net operating income to assets	1.2780%	1,398
Return on assets (ROA)	1.2780%	1,455
Pretax return on assets	1.5515%	1,527
Return on Equity (ROE)	13.2259%	1,075
Retained earnings to average equity (ytd only)	11.9825%	370
Net charge-offs to loans	-0.0254%	5,283
Credit loss provision to net charge-offs	0.0000%	3,517
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	68.2896%	3,487
Assets per employee ($millions)	3.4190%	4,947
Cash dividends to net income (ytd only)*	9.4001%	3,599
Condition Ratios (%)
Loss allowance to loans	0.9517%	4,972
Loan loss allowance to noncurrent loans	164.5614%	2,633
Noncurrent assets plus other real estate owned to assets	0.7759%	2,954
Noncurrent loans to loans	0.5784%	3,599
Net loans and leases to total assets	75.1359%	1,521
Net loans and leases to deposits	88.1458%	1,884
Net loans and leases to core deposits	103.9462%	1,232
Total domestic deposits to total assets	85.2404%	2,914
Equity capital to assets	9.9367%	4,247
Core capital (leverage) ratio	9.8810%	3,795
Tier 1 risk-based capital ratio	17.1838%	2,303
Total risk-based capital ratio	18.4334%	2,246
Memoranda:
Average total assets	$64,368,500	5,279
Average earning assets	$57,683,750	5,316
Average equity	$6,220,000	5,454
Average total loans	$47,205,500	4,803
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5115%	1,494
Cost of funding earning assets	0.4375%	2,879
Net interest margin	4.0740%	1,428
Noninterest income to average assets	1.5147%	556
Noninterest expense to average assets	3.3193%	1,645
Loan and lease loss provision to assets	0.0000%	4,069
Net operating income to assets	1.5646%	804
Return on assets (ROA)	1.5646%	832
Pretax return on assets	1.8233%	859
Return on Equity (ROE)	16.3473%	568
Retained earnings to average equity (ytd only)	14.4586%	213
Net charge-offs to loans	-0.0387%	5,438
Credit loss provision to net charge-offs	0.0000%	3,158
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	64.5455%	4,267
Assets per employee ($millions)	3.4070%	4,968
Cash dividends to net income (ytd only)*	11.5538%	3,423
Condition Ratios (%)
Loss allowance to loans	0.9681%	5,013
Loan loss allowance to noncurrent loans	149.3631%	2,810
Noncurrent assets plus other real estate owned to assets	1.0458%	2,415
Noncurrent loans to loans	0.6482%	3,532
Net loans and leases to total assets	74.1137%	1,643
Net loans and leases to deposits	86.4651%	2,010
Net loans and leases to core deposits	102.7279%	1,276
Total domestic deposits to total assets	85.7152%	2,835
Equity capital to assets	9.7137%	4,384
Core capital (leverage) ratio	9.7872%	3,879
Tier 1 risk-based capital ratio	17.1397%	2,353
Total risk-based capital ratio	18.3898%	2,302
Memoranda:
Average total assets	$64,171,000	5,341
Average earning assets	$57,143,330	5,392
Average equity	$6,141,670	5,520
Average total loans	$46,514,670	4,870
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4949%	1,478
Cost of funding earning assets	0.4106%	3,184
Net interest margin	4.0844%	1,320
Noninterest income to average assets	2.5481%	265
Noninterest expense to average assets	3.3432%	1,613
Loan and lease loss provision to assets	0.0000%	3,703
Net operating income to assets	2.5419%	142
Return on assets (ROA)	2.5419%	154
Pretax return on assets	2.8173%	156
Return on Equity (ROE)	26.7611%	85
Retained earnings to average equity (ytd only)	26.7611%	37
Net charge-offs to loans	0.0000%	3,288
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	54.2683%	5,656
Assets per employee ($millions)	3.5448%	4,821
Cash dividends to net income (ytd only)*	0.0000%	2,870
Condition Ratios (%)
Loss allowance to loans	1.0151%	4,944
Loan loss allowance to noncurrent loans	273.8095%	1,727
Noncurrent assets plus other real estate owned to assets	0.9278%	2,778
Noncurrent loans to loans	0.3707%	4,479
Net loans and leases to total assets	70.2995%	2,094
Net loans and leases to deposits	78.9635%	2,686
Net loans and leases to core deposits	90.5871%	2,079
Total domestic deposits to total assets	89.0278%	1,250
Equity capital to assets	9.8657%	4,303
Core capital (leverage) ratio	9.6682%	4,053
Tier 1 risk-based capital ratio	15.1264%	3,364
Total risk-based capital ratio	16.2390%	3,367
Memoranda:
Average total assets	$63,890,000	5,400
Average earning assets	$56,508,000	5,457
Average equity	$6,068,500	5,584
Average total loans	$45,549,500	4,934
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7437%	1,213
Cost of funding earning assets	0.4787%	2,890
Net interest margin	4.2649%	1,129
Noninterest income to average assets	0.5795%	2,990
Noninterest expense to average assets	3.4141%	1,669
Loan and lease loss provision to assets	0.0869%	2,733
Net operating income to assets	0.5590%	4,563
Return on assets (ROA)	0.5590%	4,657
Pretax return on assets	0.7785%	4,338
Return on Equity (ROE)	6.2799%	4,009
Retained earnings to average equity (ytd only)	6.2799%	1,765
Net charge-offs to loans	0.4683%	893
Credit loss provision to net charge-offs	25.7009%	3,908
Earnings coverage of net charge-offs (x)	2.5607%	4,122
Efficiency ratio	79.7786%	1,965
Assets per employee ($millions)	3.5541%	4,814
Cash dividends to net income (ytd only)*	0.0000%	4,317
Condition Ratios (%)
Loss allowance to loans	1.0047%	5,015
Loan loss allowance to noncurrent loans	67.3499%	4,592
Noncurrent assets plus other real estate owned to assets	2.3291%	1,018
Noncurrent loans to loans	1.4918%	1,963
Net loans and leases to total assets	70.8471%	2,101
Net loans and leases to deposits	81.6572%	2,521
Net loans and leases to core deposits	93.9863%	1,925
Total domestic deposits to total assets	86.7616%	2,412
Equity capital to assets	9.1320%	5,149
Core capital (leverage) ratio	9.2518%	4,603
Tier 1 risk-based capital ratio	13.8891%	4,172
Total risk-based capital ratio	14.9816%	4,217
Memoranda:
Average total assets	$63,326,000	5,467
Average earning assets	$54,936,400	5,550
Average equity	$5,637,000	5,708
Average total loans	$45,701,200	4,969
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8120%	1,082
Cost of funding earning assets	0.5412%	2,363
Net interest margin	4.2708%	1,112
Noninterest income to average assets	0.7050%	2,303
Noninterest expense to average assets	3.5040%	1,450
Loan and lease loss provision to assets	0.1161%	2,117
Net operating income to assets	0.5636%	4,618
Return on assets (ROA)	0.5636%	4,688
Pretax return on assets	0.7831%	4,422
Return on Equity (ROE)	6.3732%	4,042
Retained earnings to average equity (ytd only)	6.3732%	2,176
Net charge-offs to loans	0.5079%	758
Credit loss provision to net charge-offs	31.6092%	3,431
Earnings coverage of net charge-offs (x)	2.4483%	3,909
Efficiency ratio	79.5781%	1,977
Assets per employee ($millions)	3.4461%	4,961
Cash dividends to net income (ytd only)*	0.0000%	3,806
Condition Ratios (%)
Loss allowance to loans	1.0896%	4,796
Loan loss allowance to noncurrent loans	77.8816%	4,244
Noncurrent assets plus other real estate owned to assets	2.5665%	1,005
Noncurrent loans to loans	1.3991%	2,314
Net loans and leases to total assets	73.1710%	1,654
Net loans and leases to deposits	85.4427%	1,977
Net loans and leases to core deposits	97.4117%	1,562
Total domestic deposits to total assets	85.6376%	3,050
Equity capital to assets	9.2439%	5,093
Core capital (leverage) ratio	9.1832%	4,810
Tier 1 risk-based capital ratio	13.7389%	4,393
Total risk-based capital ratio	14.9313%	4,367
Memoranda:
Average total assets	$63,164,250	5,531
Average earning assets	$54,695,000	5,622
Average equity	$5,585,750	5,778
Average total loans	$45,680,750	5,016
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7778%	1,108
Cost of funding earning assets	0.5085%	2,745
Net interest margin	4.2693%	1,093
Noninterest income to average assets	0.7145%	2,211
Noninterest expense to average assets	3.4623%	1,548
Loan and lease loss provision to assets	0.1731%	1,417
Net operating income to assets	0.5445%	4,626
Return on assets (ROA)	0.5445%	4,724
Pretax return on assets	0.7523%	4,445
Return on Equity (ROE)	6.2496%	4,026
Retained earnings to average equity (ytd only)	6.2496%	2,186
Net charge-offs to loans	0.3727%	1,089
Credit loss provision to net charge-offs	64.7059%	2,560
Earnings coverage of net charge-offs (x)	3.4588%	3,300
Efficiency ratio	78.9096%	2,181
Assets per employee ($millions)	3.5461%	4,760
Cash dividends to net income (ytd only)*	0.0000%	3,638
Condition Ratios (%)
Loss allowance to loans	1.2872%	3,924
Loan loss allowance to noncurrent loans	84.6264%	4,039
Noncurrent assets plus other real estate owned to assets	2.5803%	1,067
Noncurrent loans to loans	1.5210%	2,286
Net loans and leases to total assets	70.7688%	1,958
Net loans and leases to deposits	82.4770%	2,196
Net loans and leases to core deposits	92.1989%	1,927
Total domestic deposits to total assets	85.8043%	3,148
Equity capital to assets	8.8408%	5,480
Core capital (leverage) ratio	8.9974%	5,022
Tier 1 risk-based capital ratio	13.4634%	4,607
Total risk-based capital ratio	14.7154%	4,547
Memoranda:
Average total assets	$63,542,330	5,573
Average earning assets	$54,669,670	5,671
Average equity	$5,536,330	5,826
Average total loans	$45,611,670	5,045
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7384%	1,171
Cost of funding earning assets	0.4892%	3,019
Net interest margin	4.2492%	1,101
Noninterest income to average assets	0.6562%	2,423
Noninterest expense to average assets	3.5963%	1,313
Loan and lease loss provision to assets	0.3470%	513
Net operating income to assets	0.3028%	5,482
Return on assets (ROA)	0.3028%	5,527
Pretax return on assets	0.3849%	5,499
Return on Equity (ROE)	3.5017%	5,266
Retained earnings to average equity (ytd only)	3.5017%	4,030
Net charge-offs to loans	-0.0264%	5,490
Credit loss provision to net charge-offs	-1,833.3333%	5,454
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	83.0904%	1,784
Assets per employee ($millions)	3.5280%	4,865
Cash dividends to net income (ytd only)*	0.0000%	2,852
Condition Ratios (%)
Loss allowance to loans	1.4830%	3,216
Loan loss allowance to noncurrent loans	80.5952%	4,153
Noncurrent assets plus other real estate owned to assets	2.8282%	1,044
Noncurrent loans to loans	1.8400%	2,084
Net loans and leases to total assets	70.8207%	1,751
Net loans and leases to deposits	82.5635%	1,998
Net loans and leases to core deposits	91.0958%	1,818
Total domestic deposits to total assets	85.7773%	3,480
Equity capital to assets	8.6640%	5,481
Core capital (leverage) ratio	8.7776%	5,290
Tier 1 risk-based capital ratio	13.8633%	4,420
Total risk-based capital ratio	15.1191%	4,371
Memoranda:
Average total assets	$63,399,000	5,633
Average earning assets	$54,786,500	5,711
Average equity	$5,483,000	5,871
Average total loans	$45,537,500	5,096
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8437%	1,218
Cost of funding earning assets	0.4904%	3,703
Net interest margin	4.3533%	991
Noninterest income to average assets	0.5269%	3,576
Noninterest expense to average assets	3.3845%	1,916
Loan and lease loss provision to assets	0.6893%	335
Net operating income to assets	0.2054%	5,807
Return on assets (ROA)	0.2054%	5,879
Pretax return on assets	0.2261%	5,893
Return on Equity (ROE)	2.4596%	5,688
Retained earnings to average equity (ytd only)	1.9067%	4,874
Net charge-offs to loans	0.9323%	646
Credit loss provision to net charge-offs	105.6098%	2,285
Earnings coverage of net charge-offs (x)	1.4024%	4,591
Efficiency ratio	78.7116%	2,360
Assets per employee ($millions)	3.5163%	4,869
Cash dividends to net income (ytd only)*	22.4806%	3,619
Condition Ratios (%)
Loss allowance to loans	1.3627%	3,833
Loan loss allowance to noncurrent loans	73.6905%	4,376
Noncurrent assets plus other real estate owned to assets	2.8628%	1,126
Noncurrent loans to loans	1.8492%	2,174
Net loans and leases to total assets	70.7887%	1,883
Net loans and leases to deposits	81.2347%	2,292
Net loans and leases to core deposits	88.7526%	2,157
Total domestic deposits to total assets	87.1410%	2,649
Equity capital to assets	8.6327%	5,446
Core capital (leverage) ratio	8.8660%	5,190
Tier 1 risk-based capital ratio	13.4745%	4,669
Total risk-based capital ratio	14.7280%	4,608
Memoranda:
Average total assets	$62,815,800	5,682
Average earning assets	$54,441,400	5,751
Average equity	$5,244,800	6,007
Average total loans	$43,977,200	5,191
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8513%	1,239
Cost of funding earning assets	0.4944%	3,823
Net interest margin	4.3569%	973
Noninterest income to average assets	0.5487%	3,470
Noninterest expense to average assets	3.5195%	1,570
Loan and lease loss provision to assets	0.8613%	209
Net operating income to assets	0.0255%	6,263
Return on assets (ROA)	0.0255%	6,320
Pretax return on assets	-0.0468%	6,356
Return on Equity (ROE)	0.3083%	6,306
Retained earnings to average equity (ytd only)	-0.4368%	6,031
Net charge-offs to loans	0.6572%	928
Credit loss provision to net charge-offs	188.3721%	1,281
Earnings coverage of net charge-offs (x)	1.7814%	4,240
Efficiency ratio	81.2071%	1,944
Assets per employee ($millions)	3.4087%	5,047
Cash dividends to net income (ytd only)*	241.6875%	46
Condition Ratios (%)
Loss allowance to loans	1.7745%	2,386
Loan loss allowance to noncurrent loans	70.4301%	4,397
Noncurrent assets plus other real estate owned to assets	3.4047%	1,008
Noncurrent loans to loans	2.5195%	1,714
Net loans and leases to total assets	70.9124%	1,800
Net loans and leases to deposits	81.9981%	2,136
Net loans and leases to core deposits	88.8138%	2,099
Total domestic deposits to total assets	86.4805%	2,972
Equity capital to assets	8.3333%	5,886
Core capital (leverage) ratio	8.3101%	5,964
Tier 1 risk-based capital ratio	13.0114%	5,112
Total risk-based capital ratio	15.5390%	4,166
Memoranda:
Average total assets	$62,696,250	5,747
Average earning assets	$54,472,000	5,814
Average equity	$5,190,000	6,092
Average total loans	$43,615,500	5,253
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8536%	1,210
Cost of funding earning assets	0.5032%	3,867
Net interest margin	4.3504%	936
Noninterest income to average assets	0.5480%	3,515
Noninterest expense to average assets	3.5348%	1,532
Loan and lease loss provision to assets	0.5986%	426
Net operating income to assets	0.1837%	5,949
Return on assets (ROA)	0.1837%	6,064
Pretax return on assets	0.1932%	6,094
Return on Equity (ROE)	2.2241%	5,874
Retained earnings to average equity (ytd only)	1.1120%	5,455
Net charge-offs to loans	0.8481%	734
Credit loss provision to net charge-offs	102.7174%	2,158
Earnings coverage of net charge-offs (x)	1.3587%	4,089
Efficiency ratio	81.6984%	1,930
Assets per employee ($millions)	3.5611%	4,729
Cash dividends to net income (ytd only)*	50.0000%	1,874
Condition Ratios (%)
Loss allowance to loans	1.3508%	4,265
Loan loss allowance to noncurrent loans	51.4555%	5,134
Noncurrent assets plus other real estate owned to assets	3.3245%	1,180
Noncurrent loans to loans	2.6253%	1,744
Net loans and leases to total assets	68.4722%	2,155
Net loans and leases to deposits	78.7109%	2,495
Net loans and leases to core deposits	86.5851%	2,278
Total domestic deposits to total assets	86.9920%	2,827
Equity capital to assets	8.0719%	6,152
Core capital (leverage) ratio	8.3036%	5,886
Tier 1 risk-based capital ratio	12.6575%	5,386
Total risk-based capital ratio	15.1337%	4,476
Memoranda:
Average total assets	$63,143,000	5,773
Average earning assets	$54,846,000	5,831
Average equity	$5,215,670	6,123
Average total loans	$43,389,000	5,289
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8723%	1,148
Cost of funding earning assets	0.5055%	4,030
Net interest margin	4.3667%	852
Noninterest income to average assets	0.5170%	3,661
Noninterest expense to average assets	3.4852%	1,650
Loan and lease loss provision to assets	0.4277%	702
Net operating income to assets	0.3255%	5,468
Return on assets (ROA)	0.3255%	5,598
Pretax return on assets	0.4085%	5,537
Return on Equity (ROE)	3.8957%	5,147
Retained earnings to average equity (ytd only)	1.6805%	5,147
Net charge-offs to loans	1.2792%	440
Credit loss provision to net charge-offs	48.9051%	2,618
Earnings coverage of net charge-offs (x)	0.9562%	3,514
Efficiency ratio	80.6499%	2,229
Assets per employee ($millions)	3.4030%	5,196
Cash dividends to net income (ytd only)*	56.8627%	1,382
Condition Ratios (%)
Loss allowance to loans	1.2599%	4,896
Loan loss allowance to noncurrent loans	58.3149%	4,801
Noncurrent assets plus other real estate owned to assets	3.4267%	1,252
Noncurrent loans to loans	2.1604%	2,435
Net loans and leases to total assets	67.3017%	2,141
Net loans and leases to deposits	75.1760%	2,748
Net loans and leases to core deposits	81.6159%	2,626
Total domestic deposits to total assets	89.5256%	1,343
Equity capital to assets	8.5692%	5,944
Core capital (leverage) ratio	8.3308%	5,784
Tier 1 risk-based capital ratio	13.3028%	5,011
Total risk-based capital ratio	15.8418%	4,074
Memoranda:
Average total assets	$62,665,000	5,845
Average earning assets	$54,594,500	5,889
Average equity	$5,236,500	6,180
Average total loans	$42,838,000	5,347
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0970%	1,324
Cost of funding earning assets	0.7169%	3,353
Net interest margin	4.3801%	1,202
Noninterest income to average assets	0.6283%	3,122
Noninterest expense to average assets	3.5428%	1,736
Loan and lease loss provision to assets	0.0209%	5,637
Net operating income to assets	0.6751%	3,857
Return on assets (ROA)	0.6751%	4,131
Pretax return on assets	0.9232%	3,839
Return on Equity (ROE)	8.2250%	2,992
Retained earnings to average equity (ytd only)	5.2020%	2,575
Net charge-offs to loans	0.1607%	4,099
Credit loss provision to net charge-offs	19.4030%	5,296
Earnings coverage of net charge-offs (x)	8.7463%	2,363
Efficiency ratio	78.9587%	2,279
Assets per employee ($millions)	3.5598%	4,881
Cash dividends to net income (ytd only)*	36.7542%	3,043
Condition Ratios (%)
Loss allowance to loans	1.3569%	4,371
Loan loss allowance to noncurrent loans	39.8929%	5,625
Noncurrent assets plus other real estate owned to assets	3.2181%	1,445
Noncurrent loans to loans	3.4013%	1,478
Net loans and leases to total assets	67.6213%	2,257
Net loans and leases to deposits	78.5857%	2,452
Net loans and leases to core deposits	86.1172%	2,302
Total domestic deposits to total assets	86.0478%	3,333
Equity capital to assets	8.1528%	6,317
Core capital (leverage) ratio	8.2736%	5,914
Tier 1 risk-based capital ratio	12.7753%	5,270
Total risk-based capital ratio	15.2708%	4,329
Memoranda:
Average total assets	$62,069,400	5,869
Average earning assets	$54,679,400	5,905
Average equity	$5,094,200	6,265
Average total loans	$41,695,800	5,435
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1490%	1,302
Cost of funding earning assets	0.7784%	3,129
Net interest margin	4.3706%	1,279
Noninterest income to average assets	0.6583%	2,946
Noninterest expense to average assets	3.6165%	1,528
Loan and lease loss provision to assets	0.0065%	5,727
Net operating income to assets	0.6540%	4,122
Return on assets (ROA)	0.6540%	4,388
Pretax return on assets	0.8901%	4,152
Return on Equity (ROE)	7.9550%	3,301
Retained earnings to average equity (ytd only)	5.2154%	3,214
Net charge-offs to loans	-0.2301%	7,015
Credit loss provision to net charge-offs	-4.2254%	6,084
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	80.1344%	2,077
Assets per employee ($millions)	3.4367%	5,130
Cash dividends to net income (ytd only)*	34.4360%	2,417
Condition Ratios (%)
Loss allowance to loans	1.7894%	2,822
Loan loss allowance to noncurrent loans	120.6667%	2,767
Noncurrent assets plus other real estate owned to assets	1.9059%	2,777
Noncurrent loans to loans	1.4829%	3,567
Net loans and leases to total assets	64.2370%	2,991
Net loans and leases to deposits	71.6059%	3,663
Net loans and leases to core deposits	79.0550%	3,318
Total domestic deposits to total assets	89.7090%	1,000
Equity capital to assets	8.3608%	6,377
Core capital (leverage) ratio	8.1884%	6,160
Tier 1 risk-based capital ratio	13.6007%	4,819
Total risk-based capital ratio	16.1992%	3,838
Memoranda:
Average total assets	$61,567,750	5,952
Average earning assets	$54,300,750	5,983
Average equity	$5,061,750	6,342
Average total loans	$41,138,500	5,516
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1731%	1,331
Cost of funding earning assets	0.8015%	3,176
Net interest margin	4.3716%	1,274
Noninterest income to average assets	0.6345%	3,043
Noninterest expense to average assets	3.7059%	1,357
Loan and lease loss provision to assets	0.0098%	5,536
Net operating income to assets	0.5856%	4,426
Return on assets (ROA)	0.5856%	4,690
Pretax return on assets	0.7874%	4,515
Return on Equity (ROE)	7.1642%	3,689
Retained earnings to average equity (ytd only)	3.0249%	4,625
Net charge-offs to loans	-0.3288%	7,084
Credit loss provision to net charge-offs	-4.4118%	5,912
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	82.2977%	1,844
Assets per employee ($millions)	3.4861%	5,015
Cash dividends to net income (ytd only)*	57.7778%	1,451
Condition Ratios (%)
Loss allowance to loans	1.7578%	2,993
Loan loss allowance to noncurrent loans	62.8596%	4,519
Noncurrent assets plus other real estate owned to assets	2.7522%	2,002
Noncurrent loans to loans	2.7963%	2,137
Net loans and leases to total assets	64.2183%	2,988
Net loans and leases to deposits	71.3045%	3,723
Net loans and leases to core deposits	78.8699%	3,382
Total domestic deposits to total assets	90.0622%	888
Equity capital to assets	8.0414%	6,542
Core capital (leverage) ratio	8.1177%	6,144
Tier 1 risk-based capital ratio	13.0479%	5,154
Total risk-based capital ratio	15.6228%	4,155
Memoranda:
Average total assets	$61,470,330	5,995
Average earning assets	$54,397,000	6,024
Average equity	$5,025,000	6,384
Average total loans	$41,364,330	5,537
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2901%	1,118
Cost of funding earning assets	0.7920%	3,535
Net interest margin	4.4981%	1,014
Noninterest income to average assets	0.6839%	2,737
Noninterest expense to average assets	3.4982%	1,766
Loan and lease loss provision to assets	0.0197%	5,095
Net operating income to assets	0.8088%	3,335
Return on assets (ROA)	0.8088%	3,574
Pretax return on assets	1.1244%	3,220
Return on Equity (ROE)	9.8115%	2,466
Retained earnings to average equity (ytd only)	6.1422%	2,877
Net charge-offs to loans	-0.6163%	7,166
Credit loss provision to net charge-offs	-4.6875%	5,338
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	75.3541%	2,880
Assets per employee ($millions)	3.2281%	5,708
Cash dividends to net income (ytd only)*	37.3984%	1,844
Condition Ratios (%)
Loss allowance to loans	1.7761%	3,072
Loan loss allowance to noncurrent loans	68.2857%	4,110
Noncurrent assets plus other real estate owned to assets	2.7000%	2,181
Noncurrent loans to loans	2.6009%	2,502
Net loans and leases to total assets	64.6520%	2,729
Net loans and leases to deposits	71.9042%	3,445
Net loans and leases to core deposits	79.3171%	3,135
Total domestic deposits to total assets	89.9141%	1,133
Equity capital to assets	8.2305%	6,334
Core capital (leverage) ratio	8.3930%	5,751
Tier 1 risk-based capital ratio	13.2855%	4,998
Total risk-based capital ratio	15.8847%	3,959
Memoranda:
Average total assets	$60,830,500	6,040
Average earning assets	$53,534,000	6,082
Average equity	$5,014,500	6,424
Average total loans	$41,537,500	5,567
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3642%	1,516
Cost of funding earning assets	0.9666%	3,599
Net interest margin	4.3976%	1,405
Noninterest income to average assets	0.6597%	2,834
Noninterest expense to average assets	3.5338%	1,902
Loan and lease loss provision to assets	0.5006%	2,101
Net operating income to assets	0.4144%	4,796
Return on assets (ROA)	0.4144%	4,984
Pretax return on assets	0.5089%	4,966
Return on Equity (ROE)	5.1442%	4,318
Retained earnings to average equity (ytd only)	4.1360%	3,237
Net charge-offs to loans	0.9169%	1,894
Credit loss provision to net charge-offs	76.8448%	4,605
Earnings coverage of net charge-offs (x)	1.5496%	4,612
Efficiency ratio	77.7818%	2,619
Assets per employee ($millions)	3.1752%	5,758
Cash dividends to net income (ytd only)*	19.6000%	3,547
Condition Ratios (%)
Loss allowance to loans	1.5221%	3,926
Loan loss allowance to noncurrent loans	57.8807%	4,615
Noncurrent assets plus other real estate owned to assets	2.8660%	2,104
Noncurrent loans to loans	2.6297%	2,475
Net loans and leases to total assets	69.7106%	2,088
Net loans and leases to deposits	77.5751%	2,903
Net loans and leases to core deposits	84.1757%	2,871
Total domestic deposits to total assets	89.8621%	1,068
Equity capital to assets	8.2565%	6,383
Core capital (leverage) ratio	8.2311%	5,950
Tier 1 risk-based capital ratio	13.2314%	4,887
Total risk-based capital ratio	15.8424%	3,887
Memoranda:
Average total assets	$60,331,000	6,026
Average earning assets	$53,279,600	6,069
Average equity	$4,859,800	6,490
Average total loans	$42,862,600	5,567
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4964%	1,259
Cost of funding earning assets	1.0193%	3,536
Net interest margin	4.4770%	1,202
Noninterest income to average assets	0.6807%	2,717
Noninterest expense to average assets	3.5514%	1,808
Loan and lease loss provision to assets	0.4442%	2,251
Net operating income to assets	0.5061%	4,526
Return on assets (ROA)	0.5061%	4,708
Pretax return on assets	0.6453%	4,666
Return on Equity (ROE)	6.3222%	3,862
Retained earnings to average equity (ytd only)	4.9693%	3,189
Net charge-offs to loans	0.5874%	2,495
Credit loss provision to net charge-offs	106.3492%	3,113
Earnings coverage of net charge-offs (x)	2.6085%	3,811
Efficiency ratio	76.5238%	2,761
Assets per employee ($millions)	3.0378%	6,036
Cash dividends to net income (ytd only)*	21.3965%	2,869
Condition Ratios (%)
Loss allowance to loans	1.8029%	2,935
Loan loss allowance to noncurrent loans	46.1397%	5,246
Noncurrent assets plus other real estate owned to assets	3.8792%	1,590
Noncurrent loans to loans	3.9075%	1,706
Net loans and leases to total assets	71.0576%	1,891
Net loans and leases to deposits	79.4718%	2,724
Net loans and leases to core deposits	85.8911%	2,784
Total domestic deposits to total assets	89.4123%	1,187
Equity capital to assets	8.6247%	6,170
Core capital (leverage) ratio	8.3002%	5,974
Tier 1 risk-based capital ratio	13.1737%	4,968
Total risk-based capital ratio	15.7900%	3,924
Memoranda:
Average total assets	$60,331,750	6,075
Average earning assets	$53,367,250	6,115
Average equity	$4,829,500	6,552
Average total loans	$42,902,000	5,611
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3593%	1,691
Cost of funding earning assets	1.0490%	3,609
Net interest margin	4.3102%	1,617
Noninterest income to average assets	0.6928%	2,596
Noninterest expense to average assets	3.4377%	2,160
Loan and lease loss provision to assets	0.6568%	1,463
Net operating income to assets	0.3595%	5,135
Return on assets (ROA)	0.3595%	5,271
Pretax return on assets	0.4248%	5,324
Return on Equity (ROE)	4.6025%	4,643
Retained earnings to average equity (ytd only)	3.7657%	3,818
Net charge-offs to loans	0.7994%	1,903
Credit loss provision to net charge-offs	116.1850%	2,638
Earnings coverage of net charge-offs (x)	1.9133%	3,907
Efficiency ratio	76.0665%	3,000
Assets per employee ($millions)	3.3056%	5,414
Cash dividends to net income (ytd only)*	18.1818%	2,923
Condition Ratios (%)
Loss allowance to loans	1.8447%	2,842
Loan loss allowance to noncurrent loans	81.1181%	3,472
Noncurrent assets plus other real estate owned to assets	2.5580%	2,610
Noncurrent loans to loans	2.2741%	3,133
Net loans and leases to total assets	68.7697%	2,464
Net loans and leases to deposits	76.4465%	3,388
Net loans and leases to core deposits	82.3747%	3,452
Total domestic deposits to total assets	89.9580%	998
Equity capital to assets	8.1966%	6,517
Core capital (leverage) ratio	7.9397%	6,368
Tier 1 risk-based capital ratio	13.1038%	4,835
Total risk-based capital ratio	15.7389%	3,767
Memoranda:
Average total assets	$61,203,000	6,103
Average earning assets	$54,335,670	6,136
Average equity	$4,780,000	6,607
Average total loans	$43,280,670	5,645
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4107%	1,524
Cost of funding earning assets	1.0389%	3,926
Net interest margin	4.3719%	1,360
Noninterest income to average assets	0.6639%	2,763
Noninterest expense to average assets	3.4292%	2,197
Loan and lease loss provision to assets	1.2892%	535
Net operating income to assets	-0.0193%	6,377
Return on assets (ROA)	-0.0193%	6,400
Pretax return on assets	-0.1483%	6,493
Return on Equity (ROE)	-0.2536%	6,409
Retained earnings to average equity (ytd only)	-0.2536%	5,838
Net charge-offs to loans	1.5881%	853
Credit loss provision to net charge-offs	114.2857%	2,350
Earnings coverage of net charge-offs (x)	1.0114%	3,899
Efficiency ratio	75.0353%	3,328
Assets per employee ($millions)	3.4207%	5,188
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	1.7951%	3,026
Loan loss allowance to noncurrent loans	82.7214%	3,430
Noncurrent assets plus other real estate owned to assets	2.4362%	2,788
Noncurrent loans to loans	2.1700%	3,359
Net loans and leases to total assets	68.0602%	2,539
Net loans and leases to deposits	75.1974%	3,555
Net loans and leases to core deposits	82.0978%	3,440
Total domestic deposits to total assets	90.5087%	836
Equity capital to assets	7.6918%	6,752
Core capital (leverage) ratio	7.5037%	6,725
Tier 1 risk-based capital ratio	12.5679%	5,199
Total risk-based capital ratio	15.1723%	4,097
Memoranda:
Average total assets	$62,054,500	6,120
Average earning assets	$55,445,500	6,148
Average equity	$4,731,500	6,639
Average total loans	$44,077,500	5,651
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6081%	1,863
Cost of funding earning assets	1.3002%	3,881
Net interest margin	4.3079%	1,795
Noninterest income to average assets	0.5774%	3,599
Noninterest expense to average assets	3.4003%	2,439
Loan and lease loss provision to assets	0.7655%	2,141
Net operating income to assets	0.2409%	5,132
Return on assets (ROA)	0.2409%	5,288
Pretax return on assets	0.2326%	5,403
Return on Equity (ROE)	3.1145%	4,909
Retained earnings to average equity (ytd only)	2.4958%	4,127
Net charge-offs to loans	0.5318%	3,492
Credit loss provision to net charge-offs	191.7355%	1,675
Earnings coverage of net charge-offs (x)	2.5000%	3,864
Efficiency ratio	77.3068%	2,825
Assets per employee ($millions)	3.2914%	5,449
Cash dividends to net income (ytd only)*	19.8630%	3,453
Condition Ratios (%)
Loss allowance to loans	1.6292%	3,470
Loan loss allowance to noncurrent loans	46.6331%	5,208
Noncurrent assets plus other real estate owned to assets	2.7744%	2,524
Noncurrent loans to loans	3.4936%	2,167
Net loans and leases to total assets	71.5448%	2,191
Net loans and leases to deposits	80.3426%	3,107
Net loans and leases to core deposits	87.2436%	3,147
Total domestic deposits to total assets	89.0497%	1,625
Equity capital to assets	7.5587%	6,848
Core capital (leverage) ratio	7.4651%	6,729
Tier 1 risk-based capital ratio	12.1180%	5,363
Total risk-based capital ratio	14.6716%	4,239
Memoranda:
Average total assets	$60,612,600	6,172
Average earning assets	$53,762,000	6,222
Average equity	$4,687,800	6,761
Average total loans	$45,503,200	5,684
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6616%	1,841
Cost of funding earning assets	1.3515%	3,891
Net interest margin	4.3102%	1,818
Noninterest income to average assets	0.5743%	3,623
Noninterest expense to average assets	3.4457%	2,171
Loan and lease loss provision to assets	0.9512%	1,575
Net operating income to assets	0.0820%	5,814
Return on assets (ROA)	0.0820%	5,953
Pretax return on assets	-0.0111%	6,103
Return on Equity (ROE)	1.0545%	5,889
Retained earnings to average equity (ytd only)	0.2281%	5,688
Net charge-offs to loans	0.4688%	3,406
Credit loss provision to net charge-offs	268.1250%	1,228
Earnings coverage of net charge-offs (x)	2.6500%	3,829
Efficiency ratio	78.5642%	2,548
Assets per employee ($millions)	3.1977%	5,682
Cash dividends to net income (ytd only)*	78.3904%	694
Condition Ratios (%)
Loss allowance to loans	1.7570%	2,951
Loan loss allowance to noncurrent loans	43.3921%	5,389
Noncurrent assets plus other real estate owned to assets	3.4844%	2,048
Noncurrent loans to loans	4.0491%	1,842
Net loans and leases to total assets	72.5200%	2,124
Net loans and leases to deposits	80.1736%	3,419
Net loans and leases to core deposits	87.5982%	3,428
Total domestic deposits to total assets	90.4538%	656
Equity capital to assets	7.7292%	6,983
Core capital (leverage) ratio	7.5373%	6,822
Tier 1 risk-based capital ratio	11.9007%	5,553
Total risk-based capital ratio	14.4632%	4,388
Memoranda:
Average total assets	$60,131,500	6,265
Average earning assets	$53,175,250	6,322
Average equity	$4,678,000	6,845
Average total loans	$45,508,250	5,764
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6761%	1,849
Cost of funding earning assets	1.4011%	3,869
Net interest margin	4.2750%	1,870
Noninterest income to average assets	0.5908%	3,405
Noninterest expense to average assets	3.4311%	2,191
Loan and lease loss provision to assets	1.2650%	1,100
Net operating income to assets	-0.1268%	6,262
Return on assets (ROA)	-0.1268%	6,334
Pretax return on assets	-0.3271%	6,456
Return on Equity (ROE)	-1.6267%	6,389
Retained earnings to average equity (ytd only)	-2.8682%	6,276
Net charge-offs to loans	0.3849%	3,438
Credit loss provision to net charge-offs	430.6818%	841
Earnings coverage of net charge-offs (x)	3.1932%	3,414
Efficiency ratio	78.5332%	2,650
Assets per employee ($millions)	3.1646%	5,752
Cash dividends to net income (ytd only)*	-76.3158%	7,776
Condition Ratios (%)
Loss allowance to loans	1.7865%	2,761
Loan loss allowance to noncurrent loans	40.5203%	5,638
Noncurrent assets plus other real estate owned to assets	3.8651%	1,792
Noncurrent loans to loans	4.4089%	1,659
Net loans and leases to total assets	74.0587%	1,900
Net loans and leases to deposits	81.8506%	3,295
Net loans and leases to core deposits	90.3777%	3,205
Total domestic deposits to total assets	90.4803%	692
Equity capital to assets	7.6553%	7,018
Core capital (leverage) ratio	7.4349%	6,889
Tier 1 risk-based capital ratio	11.7713%	5,523
Total risk-based capital ratio	14.3403%	4,323
Memoranda:
Average total assets	$59,923,000	6,308
Average earning assets	$52,959,330	6,367
Average equity	$4,672,000	6,886
Average total loans	$45,728,000	5,779
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5220%	2,487
Cost of funding earning assets	1.4583%	3,820
Net interest margin	4.0636%	2,594
Noninterest income to average assets	0.7088%	2,534
Noninterest expense to average assets	3.5372%	1,896
Loan and lease loss provision to assets	0.1471%	5,077
Net operating income to assets	0.4881%	4,454
Return on assets (ROA)	0.4881%	4,589
Pretax return on assets	0.6018%	4,595
Return on Equity (ROE)	6.2042%	3,774
Retained earnings to average equity (ytd only)	6.2042%	2,523
Net charge-offs to loans	0.2003%	3,707
Credit loss provision to net charge-offs	95.6522%	3,534
Earnings coverage of net charge-offs (x)	4.8696%	2,523
Efficiency ratio	82.5273%	2,204
Assets per employee ($millions)	3.1197%	5,951
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	1.1507%	5,772
Loan loss allowance to noncurrent loans	21.1256%	6,953
Noncurrent assets plus other real estate owned to assets	4.2463%	1,603
Noncurrent loans to loans	5.4467%	1,294
Net loans and leases to total assets	75.0738%	1,727
Net loans and leases to deposits	83.2476%	3,071
Net loans and leases to core deposits	89.6617%	3,412
Total domestic deposits to total assets	90.1814%	900
Equity capital to assets	7.9949%	6,656
Core capital (leverage) ratio	7.8527%	6,432
Tier 1 risk-based capital ratio	12.2412%	4,951
Total risk-based capital ratio	14.8131%	3,912
Memoranda:
Average total assets	$59,820,500	6,391
Average earning assets	$52,662,500	6,456
Average equity	$4,706,500	6,943
Average total loans	$45,922,000	5,840
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1158%	1,477
Cost of funding earning assets	1.9745%	3,084
Net interest margin	4.1413%	2,276
Noninterest income to average assets	0.6670%	3,178
Noninterest expense to average assets	3.5297%	2,312
Loan and lease loss provision to assets	0.6737%	3,122
Net operating income to assets	0.2096%	4,871
Return on assets (ROA)	0.2096%	4,933
Pretax return on assets	0.1896%	5,030
Return on Equity (ROE)	2.7098%	4,623
Retained earnings to average equity (ytd only)	0.8172%	4,444
Net charge-offs to loans	0.4577%	3,951
Credit loss provision to net charge-offs	188.3721%	2,137
Earnings coverage of net charge-offs (x)	2.4140%	3,920
Efficiency ratio	80.3484%	2,833
Assets per employee ($millions)	3.1772%	5,775
Cash dividends to net income (ytd only)*	69.8413%	1,568
Condition Ratios (%)
Loss allowance to loans	1.1084%	5,855
Loan loss allowance to noncurrent loans	102.1654%	2,755
Noncurrent assets plus other real estate owned to assets	0.9542%	5,200
Noncurrent loans to loans	1.0849%	5,149
Net loans and leases to total assets	76.7104%	1,646
Net loans and leases to deposits	84.8191%	3,115
Net loans and leases to core deposits	98.9001%	4,125
Total domestic deposits to total assets	90.4400%	766
Equity capital to assets	7.7428%	6,820
Core capital (leverage) ratio	7.6280%	6,646
Tier 1 risk-based capital ratio	11.9240%	5,013
Total risk-based capital ratio	14.4829%	3,936
Memoranda:
Average total assets	$60,118,000	6,345
Average earning assets	$54,089,600	6,372
Average equity	$4,649,800	7,064
Average total loans	$46,977,200	5,808
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1345%	1,543
Cost of funding earning assets	2.0849%	2,959
Net interest margin	4.0496%	2,599
Noninterest income to average assets	0.6416%	3,409
Noninterest expense to average assets	3.5077%	2,264
Loan and lease loss provision to assets	0.6349%	2,853
Net operating income to assets	0.1909%	5,189
Return on assets (ROA)	0.1909%	5,264
Pretax return on assets	0.1643%	5,375
Return on Equity (ROE)	2.4691%	5,007
Retained earnings to average equity (ytd only)	0.7752%	4,855
Net charge-offs to loans	0.4339%	3,508
Credit loss provision to net charge-offs	186.9281%	2,437
Earnings coverage of net charge-offs (x)	2.3530%	4,059
Efficiency ratio	81.4433%	2,656
Assets per employee ($millions)	3.0563%	6,023
Cash dividends to net income (ytd only)*	68.6028%	1,307
Condition Ratios (%)
Loss allowance to loans	0.9916%	6,347
Loan loss allowance to noncurrent loans	72.4138%	3,718
Noncurrent assets plus other real estate owned to assets	1.3346%	4,419
Noncurrent loans to loans	1.3694%	4,633
Net loans and leases to total assets	79.4352%	1,299
Net loans and leases to deposits	88.1854%	2,922
Net loans and leases to core deposits	105.0656%	3,811
Total domestic deposits to total assets	90.0775%	738
Equity capital to assets	8.0575%	6,791
Core capital (leverage) ratio	7.5477%	6,919
Tier 1 risk-based capital ratio	11.5246%	5,405
Total risk-based capital ratio	13.9602%	4,338
Memoranda:
Average total assets	$60,056,000	6,387
Average earning assets	$54,358,250	6,407
Average equity	$4,643,750	7,129
Average total loans	$47,015,000	5,850
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.0775%	1,862
Cost of funding earning assets	2.1497%	3,045
Net interest margin	3.9278%	2,988
Noninterest income to average assets	0.6291%	3,474
Noninterest expense to average assets	3.4916%	2,359
Loan and lease loss provision to assets	0.6094%	2,612
Net operating income to assets	0.1318%	5,470
Return on assets (ROA)	0.1318%	5,576
Pretax return on assets	0.0791%	5,719
Return on Equity (ROE)	1.7271%	5,396
Retained earnings to average equity (ytd only)	-0.8204%	5,435
Net charge-offs to loans	0.6235%	2,475
Credit loss provision to net charge-offs	125.8503%	3,692
Earnings coverage of net charge-offs (x)	1.4218%	4,465
Efficiency ratio	83.5303%	2,538
Assets per employee ($millions)	3.2739%	5,383
Cash dividends to net income (ytd only)*	147.5000%	365
Condition Ratios (%)
Loss allowance to loans	0.7812%	7,216
Loan loss allowance to noncurrent loans	37.2589%	5,921
Noncurrent assets plus other real estate owned to assets	1.8037%	3,468
Noncurrent loans to loans	2.0966%	3,387
Net loans and leases to total assets	74.9345%	2,454
Net loans and leases to deposits	86.0606%	3,543
Net loans and leases to core deposits	101.3657%	4,365
Total domestic deposits to total assets	87.0718%	2,217
Equity capital to assets	7.3579%	7,377
Core capital (leverage) ratio	7.2815%	7,266
Tier 1 risk-based capital ratio	11.0430%	5,836
Total risk-based capital ratio	13.1678%	4,903
Memoranda:
Average total assets	$60,718,000	6,425
Average earning assets	$54,890,670	6,432
Average equity	$4,632,000	7,198
Average total loans	$47,156,670	5,882
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.2594%	1,410
Cost of funding earning assets	2.2366%	2,978
Net interest margin	4.0228%	2,563
Noninterest income to average assets	0.5936%	3,596
Noninterest expense to average assets	3.5482%	1,976
Loan and lease loss provision to assets	0.0000%	6,744
Net operating income to assets	0.5269%	4,305
Return on assets (ROA)	0.5269%	4,493
Pretax return on assets	0.6803%	4,498
Return on Equity (ROE)	6.7818%	3,681
Retained earnings to average equity (ytd only)	6.7818%	2,295
Net charge-offs to loans	0.0593%	4,640
Credit loss provision to net charge-offs	0.0000%	5,248
Earnings coverage of net charge-offs (x)	14.5714%	1,659
Efficiency ratio	83.9117%	2,319
Assets per employee ($millions)	3.1881%	5,631
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	0.6822%	7,499
Loan loss allowance to noncurrent loans	170.3704%	1,908
Noncurrent assets plus other real estate owned to assets	0.4738%	6,063
Noncurrent loans to loans	0.4004%	6,415
Net loans and leases to total assets	77.3946%	1,953
Net loans and leases to deposits	89.3755%	3,035
Net loans and leases to core deposits	106.0800%	3,900
Total domestic deposits to total assets	86.5949%	2,407
Equity capital to assets	7.7492%	7,126
Core capital (leverage) ratio	7.7821%	6,773
Tier 1 risk-based capital ratio	11.4746%	5,442
Total risk-based capital ratio	13.5210%	4,640
Memoranda:
Average total assets	$59,974,500	6,472
Average earning assets	$54,190,500	6,490
Average equity	$4,659,500	7,236
Average total loans	$47,245,000	5,906
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.3747%	3,548
Cost of funding earning assets	2.6670%	3,327
Net interest margin	3.7077%	4,441
Noninterest income to average assets	0.7172%	3,008
Noninterest expense to average assets	3.4309%	2,576
Loan and lease loss provision to assets	0.0574%	6,698
Net operating income to assets	0.4455%	4,968
Return on assets (ROA)	0.4455%	4,793
Pretax return on assets	0.5721%	4,774
Return on Equity (ROE)	5.8268%	4,015
Retained earnings to average equity (ytd only)	3.0237%	3,290
Net charge-offs to loans	0.2268%	3,971
Credit loss provision to net charge-offs	31.7757%	6,512
Earnings coverage of net charge-offs (x)	3.4860%	4,345
Efficiency ratio	84.4971%	2,008
Assets per employee ($millions)	3.1250%	5,700
Cash dividends to net income (ytd only)*	48.1061%	3,233
Condition Ratios (%)
Loss allowance to loans	0.6958%	7,437
Loan loss allowance to noncurrent loans	44.3396%	5,794
Noncurrent assets plus other real estate owned to assets	1.4872%	3,247
Noncurrent loans to loans	1.5691%	3,432
Net loans and leases to total assets	79.0872%	1,869
Net loans and leases to deposits	92.1631%	3,104
Net loans and leases to core deposits	107.3031%	4,045
Total domestic deposits to total assets	85.8122%	2,489
Equity capital to assets	7.7895%	7,108
Core capital (leverage) ratio	7.6034%	7,072
Tier 1 risk-based capital ratio	11.5056%	5,237
Total risk-based capital ratio	13.6112%	4,433
Memoranda:
Average total assets	$59,255,400	6,407
Average earning assets	$53,430,000	6,441
Average equity	$4,530,800	7,322
Average total loans	$47,186,600	5,816