Home > Richland State Bank > Performance and Condition Ratios

Richland State Bank, Performance and Condition Ratios

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	5.6478%	990
Cost of funding earning assets	0.8464%	3,621
Net interest margin	4.8014%	415
Noninterest income to average assets	4.0900%	146
Noninterest expense to average assets	4.2112%	324
Loan and lease loss provision to assets	0.0000%	3,179
Net operating income to assets	4.3145%	88
Return on assets (ROA)	4.1671%	97
Pretax return on assets	4.3206%	104
Return on Equity (ROE)	52.9900%	47
Retained earnings to average equity (ytd only)	12.7166%	540
Net charge-offs to loans	-0.0044%	3,807
Credit loss provision to net charge-offs	0.0000%	2,397
Earnings coverage of net charge-offs (x)	0.0000%	2,831
Efficiency ratio	47.7348%	4,100
Assets per employee ($millions)	3.3967%	4,312
Cash dividends to net income (ytd only)*	76.0018%	674
Condition Ratios (%)
Loss allowance to loans	2.3434%	239
Loan loss allowance to noncurrent loans	24,050.0000%	65
Noncurrent assets plus other real estate owned to assets	0.0042%	3,795
Noncurrent loans to loans	0.0097%	3,697
Net loans and leases to total assets	42.1500%	3,961
Net loans and leases to deposits	46.9416%	4,021
Net loans and leases to core deposits	48.3968%	4,113
Total domestic deposits to total assets	89.8000%	812
Equity capital to assets	9.9045%	2,064
Core capital (leverage) ratio	13.6296%	878
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	25.8221%	340
Memoranda:
Average total assets	$52,098,800	4,299
Average earning assets	$49,860,200	4,252
Average equity	$4,097,000	4,345
Average total loans	$22,653,200	4,258
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.8036%	684
Cost of funding earning assets	0.7717%	3,599
Net interest margin	5.0319%	296
Noninterest income to average assets	4.3500%	147
Noninterest expense to average assets	3.9772%	365
Loan and lease loss provision to assets	0.0000%	2,992
Net operating income to assets	5.0607%	76
Return on assets (ROA)	5.0291%	78
Pretax return on assets	5.1744%	91
Return on Equity (ROE)	67.8900%	42
Retained earnings to average equity (ytd only)	20.5552%	238
Net charge-offs to loans	-0.0058%	3,782
Credit loss provision to net charge-offs	0.0000%	2,098
Earnings coverage of net charge-offs (x)	0.0000%	2,572
Efficiency ratio	42.3780%	4,300
Assets per employee ($millions)	3.5704%	4,305
Cash dividends to net income (ytd only)*	69.7211%	670
Condition Ratios (%)
Loss allowance to loans	2.1592%	318
Loan loss allowance to noncurrent loans	0.0000%	3,833
Noncurrent assets plus other real estate owned to assets	0.0000%	3,901
Noncurrent loans to loans	0.0000%	3,847
Net loans and leases to total assets	43.6100%	3,930
Net loans and leases to deposits	47.4331%	4,023
Net loans and leases to core deposits	48.5143%	4,077
Total domestic deposits to total assets	91.9300%	466
Equity capital to assets	7.6663%	3,265
Core capital (leverage) ratio	12.7604%	1,142
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	23.3789%	465
Memoranda:
Average total assets	$53,235,000	4,302
Average earning assets	$51,139,250	4,255
Average equity	$3,943,750	4,373
Average total loans	$23,185,000	4,269
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1716%	361
Cost of funding earning assets	0.7096%	3,459
Net interest margin	5.4620%	179
Noninterest income to average assets	4.0800%	145
Noninterest expense to average assets	3.8293%	392
Loan and lease loss provision to assets	0.0000%	2,857
Net operating income to assets	5.3458%	63
Return on assets (ROA)	5.3315%	64
Pretax return on assets	5.4788%	82
Return on Equity (ROE)	72.7500%	31
Retained earnings to average equity (ytd only)	22.5069%	172
Net charge-offs to loans	0.0000%	2,455
Credit loss provision to net charge-offs	0.0000%	1,862
Earnings coverage of net charge-offs (x)	0.0000%	2,403
Efficiency ratio	39.7314%	4,403
Assets per employee ($millions)	3.5751%	4,327
Cash dividends to net income (ytd only)*	69.0608%	776
Condition Ratios (%)
Loss allowance to loans	2.4641%	229
Loan loss allowance to noncurrent loans	0.0000%	3,834
Noncurrent assets plus other real estate owned to assets	0.0000%	3,917
Noncurrent loans to loans	0.0000%	3,848
Net loans and leases to total assets	37.9600%	4,118
Net loans and leases to deposits	41.5146%	4,174
Net loans and leases to core deposits	42.0857%	4,211
Total domestic deposits to total assets	91.4400%	518
Equity capital to assets	8.3173%	3,011
Core capital (leverage) ratio	11.5759%	1,576
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	24.7345%	397
Memoranda:
Average total assets	$54,318,333	4,307
Average earning assets	$52,142,000	4,267
Average equity	$3,981,000	4,395
Average total loans	$23,487,667	4,275
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.7165%	148
Cost of funding earning assets	0.6428%	3,247
Net interest margin	6.0737%	95
Noninterest income to average assets	4.0300%	147
Noninterest expense to average assets	3.9893%	355
Loan and lease loss provision to assets	0.0000%	2,553
Net operating income to assets	5.7040%	68
Return on assets (ROA)	5.7040%	68
Pretax return on assets	5.8670%	76
Return on Equity (ROE)	82.7800%	28
Retained earnings to average equity (ytd only)	31.3625%	103
Net charge-offs to loans	0.0000%	2,062
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	38.0302%	4,489
Assets per employee ($millions)	4.0139%	4,237
Cash dividends to net income (ytd only)*	62.1118%	922
Condition Ratios (%)
Loss allowance to loans	1.9028%	527
Loan loss allowance to noncurrent loans	12,000.0000%	149
Noncurrent assets plus other real estate owned to assets	0.0071%	3,807
Noncurrent loans to loans	0.0159%	3,688
Net loans and leases to total assets	44.0400%	3,867
Net loans and leases to deposits	47.7243%	3,970
Net loans and leases to core deposits	48.3000%	4,039
Total domestic deposits to total assets	92.2700%	452
Equity capital to assets	7.5647%	3,527
Core capital (leverage) ratio	10.9233%	1,899
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	20.0578%	739
Memoranda:
Average total assets	$56,451,500	4,346
Average earning assets	$54,135,000	4,304
Average equity	$3,890,000	4,462
Average total loans	$25,491,500	4,296
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9994%	1,720
Cost of funding earning assets	0.4448%	1,754
Net interest margin	3.5546%	1,769
Noninterest income to average assets	3.8100%	150
Noninterest expense to average assets	3.6081%	447
Loan and lease loss provision to assets	0.0000%	2,926
Net operating income to assets	3.4603%	90
Return on assets (ROA)	3.4603%	86
Pretax return on assets	3.5703%	99
Return on Equity (ROE)	46.5600%	37
Retained earnings to average equity (ytd only)	21.6927%	64
Net charge-offs to loans	-0.0090%	3,791
Credit loss provision to net charge-offs	0.0000%	1,979
Earnings coverage of net charge-offs (x)	0.0000%	2,564
Efficiency ratio	48.7817%	4,200
Assets per employee ($millions)	4.0506%	4,267
Cash dividends to net income (ytd only)*	53.4132%	1,246
Condition Ratios (%)
Loss allowance to loans	1.8364%	615
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	44.5900%	3,864
Net loans and leases to deposits	47.6140%	3,987
Net loans and leases to core deposits	48.3617%	4,048
Total domestic deposits to total assets	93.6400%	283
Equity capital to assets	6.2231%	4,010
Core capital (leverage) ratio	10.4841%	2,205
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	18.5272%	893
Memoranda:
Average total assets	$55,458,000	4,382
Average earning assets	$52,607,400	4,345
Average equity	$4,121,200	4,522
Average total loans	$22,110,800	4,376
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7138%	2,002
Cost of funding earning assets	0.4007%	1,281
Net interest margin	3.3131%	2,258
Noninterest income to average assets	4.1000%	149
Noninterest expense to average assets	3.4792%	495
Loan and lease loss provision to assets	0.0000%	2,752
Net operating income to assets	3.6702%	87
Return on assets (ROA)	3.6702%	81
Pretax return on assets	3.7548%	94
Return on Equity (ROE)	47.4100%	33
Retained earnings to average equity (ytd only)	27.8887%	36
Net charge-offs to loans	-0.0126%	3,806
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	0.0000%	2,297
Efficiency ratio	46.5241%	4,350
Assets per employee ($millions)	4.3280%	4,166
Cash dividends to net income (ytd only)*	41.1726%	1,527
Condition Ratios (%)
Loss allowance to loans	2.1956%	346
Loan loss allowance to noncurrent loans	0.0000%	3,983
Noncurrent assets plus other real estate owned to assets	0.0000%	4,052
Noncurrent loans to loans	0.0000%	3,992
Net loans and leases to total assets	37.4500%	4,166
Net loans and leases to deposits	39.8947%	4,241
Net loans and leases to core deposits	40.5239%	4,265
Total domestic deposits to total assets	93.8700%	380
Equity capital to assets	5.9363%	3,986
Core capital (leverage) ratio	10.4242%	2,181
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	20.9292%	649
Memoranda:
Average total assets	$55,145,500	4,422
Average earning assets	$52,236,500	4,383
Average equity	$4,269,250	4,546
Average total loans	$21,199,250	4,425
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3818%	2,488
Cost of funding earning assets	0.3745%	1,085
Net interest margin	3.0074%	2,852
Noninterest income to average assets	3.3922%	136
Noninterest expense to average assets	3.4141%	474
Loan and lease loss provision to assets	0.0000%	2,599
Net operating income to assets	2.7495%	84
Return on assets (ROA)	2.7495%	79
Pretax return on assets	2.8226%	124
Return on Equity (ROE)	32.8893%	46
Retained earnings to average equity (ytd only)	24.1537%	41
Net charge-offs to loans	0.0000%	2,156
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	52.8103%	4,061
Assets per employee ($millions)	4.2695%	4,225
Cash dividends to net income (ytd only)*	26.5604%	2,223
Condition Ratios (%)
Loss allowance to loans	2.1502%	409
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,093
Noncurrent loans to loans	0.0000%	4,026
Net loans and leases to total assets	38.6177%	4,142
Net loans and leases to deposits	41.5170%	4,206
Net loans and leases to core deposits	42.1863%	4,254
Total domestic deposits to total assets	93.0166%	511
Equity capital to assets	6.8465%	3,843
Core capital (leverage) ratio	9.8981%	2,511
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	20.2237%	686
Memoranda:
Average total assets	$54,772,667	4,466
Average earning assets	$51,806,000	4,441
Average equity	$4,579,000	4,563
Average total loans	$21,084,667	4,483
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3738%	2,166
Cost of funding earning assets	0.3809%	985
Net interest margin	2.9929%	2,525
Noninterest income to average assets	3.4628%	141
Noninterest expense to average assets	3.3378%	505
Loan and lease loss provision to assets	0.0000%	2,285
Net operating income to assets	2.8746%	84
Return on assets (ROA)	2.8746%	81
Pretax return on assets	2.9555%	111
Return on Equity (ROE)	31.4783%	52
Retained earnings to average equity (ytd only)	31.4783%	33
Net charge-offs to loans	0.0000%	1,838
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	51.0514%	4,251
Assets per employee ($millions)	4.6463%	4,043
Cash dividends to net income (ytd only)*	0.0000%	2,254
Condition Ratios (%)
Loss allowance to loans	2.1924%	444
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	37.6856%	4,131
Net loans and leases to deposits	41.0752%	4,202
Net loans and leases to core deposits	41.7427%	4,251
Total domestic deposits to total assets	91.7480%	675
Equity capital to assets	8.1354%	3,462
Core capital (leverage) ratio	9.5597%	2,732
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	20.0602%	747
Memoranda:
Average total assets	$54,407,500	4,492
Average earning assets	$51,455,000	4,470
Average equity	$4,968,500	4,564
Average total loans	$20,674,500	4,508
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9550%	1,473
Cost of funding earning assets	0.4587%	1,140
Net interest margin	3.4962%	1,748
Noninterest income to average assets	3.3756%	163
Noninterest expense to average assets	3.6328%	410
Loan and lease loss provision to assets	0.4842%	118
Net operating income to assets	2.4493%	170
Return on assets (ROA)	2.4493%	173
Pretax return on assets	2.5357%	245
Return on Equity (ROE)	23.1555%	168
Retained earnings to average equity (ytd only)	12.7080%	437
Net charge-offs to loans	0.0000%	2,705
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	51.9783%	4,116
Assets per employee ($millions)	4.4216%	4,177
Cash dividends to net income (ytd only)*	45.1189%	1,768
Condition Ratios (%)
Loss allowance to loans	2.3709%	342
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,222
Noncurrent loans to loans	0.0000%	4,145
Net loans and leases to total assets	36.5536%	4,260
Net loans and leases to deposits	40.7689%	4,315
Net loans and leases to core deposits	41.4813%	4,356
Total domestic deposits to total assets	89.6606%	1,135
Equity capital to assets	10.1792%	2,492
Core capital (leverage) ratio	9.3548%	3,015
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.9985%	757
Memoranda:
Average total assets	$49,769,400	4,563
Average earning assets	$46,650,200	4,544
Average equity	$5,264,400	4,606
Average total loans	$20,221,600	4,563
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1361%	1,225
Cost of funding earning assets	0.4686%	1,226
Net interest margin	3.6675%	1,412
Noninterest income to average assets	3.7427%	152
Noninterest expense to average assets	3.4594%	481
Loan and lease loss provision to assets	0.6517%	73
Net operating income to assets	3.0018%	126
Return on assets (ROA)	3.0018%	125
Pretax return on assets	3.0645%	167
Return on Equity (ROE)	28.0923%	111
Retained earnings to average equity (ytd only)	20.4447%	115
Net charge-offs to loans	0.0000%	2,463
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	45.6340%	4,522
Assets per employee ($millions)	4.5911%	4,055
Cash dividends to net income (ytd only)*	27.2232%	2,213
Condition Ratios (%)
Loss allowance to loans	1.9878%	651
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,311
Noncurrent loans to loans	0.0000%	4,237
Net loans and leases to total assets	41.9745%	4,095
Net loans and leases to deposits	46.9172%	4,184
Net loans and leases to core deposits	47.4612%	4,265
Total domestic deposits to total assets	89.4651%	1,031
Equity capital to assets	10.3244%	2,597
Core capital (leverage) ratio	9.9001%	2,617
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.8264%	1,169
Memoranda:
Average total assets	$48,947,000	4,636
Average earning assets	$45,806,750	4,614
Average equity	$5,230,250	4,676
Average total loans	$20,310,500	4,629
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5454%	680
Cost of funding earning assets	0.5066%	1,159
Net interest margin	4.0388%	767
Noninterest income to average assets	3.9106%	142
Noninterest expense to average assets	3.6078%	402
Loan and lease loss provision to assets	0.9126%	44
Net operating income to assets	3.0662%	118
Return on assets (ROA)	3.0662%	124
Pretax return on assets	3.1302%	162
Return on Equity (ROE)	28.3201%	120
Retained earnings to average equity (ytd only)	16.5036%	308
Net charge-offs to loans	0.0000%	2,245
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	44.5373%	4,586
Assets per employee ($millions)	4.2096%	4,322
Cash dividends to net income (ytd only)*	41.7246%	1,525
Condition Ratios (%)
Loss allowance to loans	2.3404%	336
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,353
Noncurrent loans to loans	0.0000%	4,280
Net loans and leases to total assets	36.6762%	4,436
Net loans and leases to deposits	41.0762%	4,483
Net loans and leases to core deposits	41.8898%	4,520
Total domestic deposits to total assets	89.2883%	1,147
Equity capital to assets	10.5276%	2,372
Core capital (leverage) ratio	9.4830%	2,925
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.7425%	850
Memoranda:
Average total assets	$46,898,333	4,686
Average earning assets	$43,428,333	4,666
Average equity	$5,077,667	4,720
Average total loans	$19,216,000	4,680
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2943%	1,049
Cost of funding earning assets	0.5356%	1,179
Net interest margin	3.7587%	1,223
Noninterest income to average assets	4.3557%	133
Noninterest expense to average assets	3.6815%	375
Loan and lease loss provision to assets	0.5678%	110
Net operating income to assets	3.5307%	108
Return on assets (ROA)	3.5307%	115
Pretax return on assets	3.5928%	134
Return on Equity (ROE)	32.1130%	109
Retained earnings to average equity (ytd only)	7.9072%	2,272
Net charge-offs to loans	0.0000%	1,930
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	44.1176%	4,570
Assets per employee ($millions)	4.0347%	4,459
Cash dividends to net income (ytd only)*	75.3769%	646
Condition Ratios (%)
Loss allowance to loans	1.4045%	1,937
Loan loss allowance to noncurrent loans	9,800.0000%	105
Noncurrent assets plus other real estate owned to assets	0.0062%	4,349
Noncurrent loans to loans	0.0143%	4,234
Net loans and leases to total assets	42.6264%	4,192
Net loans and leases to deposits	47.5070%	4,280
Net loans and leases to core deposits	48.1994%	4,366
Total domestic deposits to total assets	89.7265%	944
Equity capital to assets	10.1062%	2,608
Core capital (leverage) ratio	9.4927%	3,047
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	18.3807%	1,012
Memoranda:
Average total assets	$45,090,000	4,726
Average earning assets	$41,823,000	4,706
Average equity	$4,957,500	4,749
Average total loans	$19,338,500	4,709
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3423%	1,739
Cost of funding earning assets	0.7978%	1,223
Net interest margin	3.5446%	2,326
Noninterest income to average assets	4.0704%	135
Noninterest expense to average assets	4.7448%	217
Loan and lease loss provision to assets	0.1772%	2,175
Net operating income to assets	2.2030%	184
Return on assets (ROA)	2.4544%	148
Pretax return on assets	2.5073%	186
Return on Equity (ROE)	19.4729%	259
Retained earnings to average equity (ytd only)	7.9318%	1,072
Net charge-offs to loans	0.0000%	3,443
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	61.8732%	3,163
Assets per employee ($millions)	3.4803%	4,661
Cash dividends to net income (ytd only)*	59.2672%	1,397
Condition Ratios (%)
Loss allowance to loans	1.2961%	2,432
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,492
Noncurrent loans to loans	0.0000%	4,420
Net loans and leases to total assets	41.9380%	4,356
Net loans and leases to deposits	47.8003%	4,397
Net loans and leases to core deposits	49.1704%	4,452
Total domestic deposits to total assets	87.7358%	1,593
Equity capital to assets	12.0247%	1,557
Core capital (leverage) ratio	10.6178%	2,069
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.4769%	1,402
Memoranda:
Average total assets	$37,809,600	4,796
Average earning assets	$33,093,000	4,810
Average equity	$4,765,600	4,779
Average total loans	$15,043,000	4,807
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6390%	1,208
Cost of funding earning assets	0.8575%	1,221
Net interest margin	3.7815%	1,677
Noninterest income to average assets	4.3887%	121
Noninterest expense to average assets	4.6566%	225
Loan and lease loss provision to assets	0.2906%	1,393
Net operating income to assets	2.6576%	122
Return on assets (ROA)	3.0018%	98
Pretax return on assets	3.0670%	118
Return on Equity (ROE)	23.5096%	140
Retained earnings to average equity (ytd only)	7.9122%	1,332
Net charge-offs to loans	0.0000%	3,243
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	56.5217%	3,859
Assets per employee ($millions)	3.3169%	4,737
Cash dividends to net income (ytd only)*	66.3450%	925
Condition Ratios (%)
Loss allowance to loans	1.4760%	1,453
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,543
Noncurrent loans to loans	0.0000%	4,475
Net loans and leases to total assets	40.7507%	4,538
Net loans and leases to deposits	46.6884%	4,583
Net loans and leases to core deposits	48.0992%	4,621
Total domestic deposits to total assets	87.2824%	1,550
Equity capital to assets	12.3031%	1,513
Core capital (leverage) ratio	10.9416%	1,929
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.2151%	1,204
Memoranda:
Average total assets	$36,821,000	4,833
Average earning assets	$31,874,000	4,851
Average equity	$4,701,500	4,809
Average total loans	$14,367,500	4,846
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3670%	2,291
Cost of funding earning assets	0.8709%	1,492
Net interest margin	3.4961%	2,799
Noninterest income to average assets	4.1589%	122
Noninterest expense to average assets	4.6669%	234
Loan and lease loss provision to assets	0.0000%	4,134
Net operating income to assets	2.5232%	134
Return on assets (ROA)	2.5232%	146
Pretax return on assets	2.5846%	184
Return on Equity (ROE)	19.4982%	270
Retained earnings to average equity (ytd only)	6.5569%	1,842
Net charge-offs to loans	0.0000%	3,033
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	59.5843%	3,471
Assets per employee ($millions)	3.6541%	4,577
Cash dividends to net income (ytd only)*	66.3717%	1,046
Condition Ratios (%)
Loss allowance to loans	1.0181%	3,482
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,603
Noncurrent loans to loans	0.0000%	4,537
Net loans and leases to total assets	43.3677%	4,484
Net loans and leases to deposits	50.2394%	4,519
Net loans and leases to core deposits	51.9131%	4,571
Total domestic deposits to total assets	86.3222%	1,882
Equity capital to assets	13.2919%	1,040
Core capital (leverage) ratio	10.7703%	2,146
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	18.8196%	935
Memoranda:
Average total assets	$35,827,000	4,870
Average earning assets	$31,692,333	4,879
Average equity	$4,636,333	4,842
Average total loans	$13,669,000	4,892
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4860%	2,349
Cost of funding earning assets	0.9047%	1,837
Net interest margin	3.5812%	2,731
Noninterest income to average assets	4.5898%	99
Noninterest expense to average assets	4.5672%	287
Loan and lease loss provision to assets	0.0000%	3,711
Net operating income to assets	3.1576%	58
Return on assets (ROA)	3.1576%	57
Pretax return on assets	3.2365%	68
Return on Equity (ROE)	24.7459%	71
Retained earnings to average equity (ytd only)	24.7459%	34
Net charge-offs to loans	0.0000%	2,581
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	54.0462%	4,392
Assets per employee ($millions)	3.4463%	4,528
Cash dividends to net income (ytd only)*	0.0000%	2,581
Condition Ratios (%)
Loss allowance to loans	1.4313%	1,584
Loan loss allowance to noncurrent loans	1,811.1111%	321
Noncurrent assets plus other real estate owned to assets	0.0261%	4,491
Noncurrent loans to loans	0.0790%	4,197
Net loans and leases to total assets	32.5712%	4,852
Net loans and leases to deposits	37.6665%	4,874
Net loans and leases to core deposits	38.9933%	4,891
Total domestic deposits to total assets	86.4724%	1,797
Equity capital to assets	13.1910%	1,347
Core capital (leverage) ratio	11.2847%	2,245
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	23.5725%	522
Memoranda:
Average total assets	$35,470,000	4,905
Average earning assets	$31,832,500	4,908
Average equity	$4,526,000	4,893
Average total loans	$12,498,500	4,953
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6034%	2,602
Cost of funding earning assets	0.6772%	3,272
Net interest margin	3.9263%	2,083
Noninterest income to average assets	3.1479%	142
Noninterest expense to average assets	4.4595%	319
Loan and lease loss provision to assets	0.2791%	627
Net operating income to assets	1.9627%	388
Return on assets (ROA)	1.9898%	376
Pretax return on assets	2.0456%	539
Return on Equity (ROE)	15.2162%	649
Retained earnings to average equity (ytd only)	-13.0607%	5,101
Net charge-offs to loans	0.1049%	1,680
Credit loss provision to net charge-offs	714.2857%	447
Earnings coverage of net charge-offs (x)	58.7857%	994
Efficiency ratio	60.0165%	3,691
Assets per employee ($millions)	3.6477%	4,325
Cash dividends to net income (ytd only)*	185.8345%	77
Condition Ratios (%)
Loss allowance to loans	1.1977%	2,447
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,701
Noncurrent loans to loans	0.0000%	4,619
Net loans and leases to total assets	36.8616%	4,822
Net loans and leases to deposits	42.1994%	4,866
Net loans and leases to core deposits	43.5837%	4,881
Total domestic deposits to total assets	87.3509%	1,433
Equity capital to assets	12.3530%	1,914
Core capital (leverage) ratio	10.5285%	2,925
Tier 1 risk-based capital ratio	18.0123%	1,754
Total risk-based capital ratio	18.7896%	1,833
Memoranda:
Average total assets	$35,833,600	4,959
Average earning assets	$32,932,000	4,947
Average equity	$4,685,800	4,921
Average total loans	$13,345,000	4,997
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7919%	2,143
Cost of funding earning assets	0.6016%	3,694
Net interest margin	4.1904%	1,395
Noninterest income to average assets	3.3040%	136
Noninterest expense to average assets	4.3655%	337
Loan and lease loss provision to assets	0.2243%	766
Net operating income to assets	2.4717%	169
Return on assets (ROA)	2.5079%	169
Pretax return on assets	2.5789%	213
Return on Equity (ROE)	18.9112%	321
Retained earnings to average equity (ytd only)	-11.3861%	5,160
Net charge-offs to loans	0.1506%	1,086
Credit loss provision to net charge-offs	400.0000%	752
Earnings coverage of net charge-offs (x)	49.3320%	1,210
Efficiency ratio	55.3459%	4,235
Assets per employee ($millions)	3.2768%	4,687
Cash dividends to net income (ytd only)*	160.2097%	99
Condition Ratios (%)
Loss allowance to loans	0.9791%	3,687
Loan loss allowance to noncurrent loans	6,100.0000%	123
Noncurrent assets plus other real estate owned to assets	0.0055%	4,744
Noncurrent loans to loans	0.0161%	4,604
Net loans and leases to total assets	34.2294%	4,985
Net loans and leases to deposits	39.6402%	5,006
Net loans and leases to core deposits	40.9696%	5,015
Total domestic deposits to total assets	86.3504%	1,844
Equity capital to assets	13.2501%	1,485
Core capital (leverage) ratio	11.2558%	2,421
Tier 1 risk-based capital ratio	20.6114%	1,254
Total risk-based capital ratio	21.2478%	1,334
Memoranda:
Average total assets	$35,672,750	5,036
Average earning assets	$32,582,000	5,026
Average equity	$4,730,750	4,980
Average total loans	$13,279,000	5,073
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8721%	1,841
Cost of funding earning assets	0.5063%	4,093
Net interest margin	4.3657%	1,007
Noninterest income to average assets	3.0381%	150
Noninterest expense to average assets	4.2364%	392
Loan and lease loss provision to assets	0.0563%	2,701
Net operating income to assets	2.6454%	130
Return on assets (ROA)	2.6836%	128
Pretax return on assets	2.7624%	165
Return on Equity (ROE)	20.2304%	242
Retained earnings to average equity (ytd only)	-16.8799%	5,234
Net charge-offs to loans	-0.0148%	4,448
Credit loss provision to net charge-offs	-1,000.0000%	4,250
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	54.2903%	4,438
Assets per employee ($millions)	3.4654%	4,537
Cash dividends to net income (ytd only)*	183.4382%	90
Condition Ratios (%)
Loss allowance to loans	0.6541%	4,792
Loan loss allowance to noncurrent loans	23.7838%	4,636
Noncurrent assets plus other real estate owned to assets	1.0677%	1,279
Noncurrent loans to loans	2.7503%	386
Net loans and leases to total assets	38.5670%	4,892
Net loans and leases to deposits	44.8069%	4,932
Net loans and leases to core deposits	46.3740%	4,946
Total domestic deposits to total assets	86.0738%	1,993
Equity capital to assets	13.6117%	1,276
Core capital (leverage) ratio	11.2330%	2,390
Tier 1 risk-based capital ratio	21.0394%	1,171
Total risk-based capital ratio	21.5113%	1,270
Memoranda:
Average total assets	$35,548,670	5,076
Average earning assets	$32,388,670	5,072
Average equity	$4,715,670	5,016
Average total loans	$13,552,000	5,114
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9815%	1,379
Cost of funding earning assets	0.4101%	4,443
Net interest margin	4.5714%	650
Noninterest income to average assets	3.3115%	126
Noninterest expense to average assets	4.2116%	397
Loan and lease loss provision to assets	0.0000%	3,406
Net operating income to assets	3.2246%	76
Return on assets (ROA)	3.2893%	79
Pretax return on assets	3.3782%	95
Return on Equity (ROE)	25.1113%	100
Retained earnings to average equity (ytd only)	-32.1527%	5,311
Net charge-offs to loans	0.0000%	2,740
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	50.2216%	4,809
Assets per employee ($millions)	3.4860%	4,575
Cash dividends to net income (ytd only)*	228.0405%	145
Condition Ratios (%)
Loss allowance to loans	0.6072%	4,917
Loan loss allowance to noncurrent loans	1,283.3333%	485
Noncurrent assets plus other real estate owned to assets	0.0172%	4,781
Noncurrent loans to loans	0.0473%	4,550
Net loans and leases to total assets	36.1561%	5,017
Net loans and leases to deposits	41.7462%	5,044
Net loans and leases to core deposits	43.1851%	5,056
Total domestic deposits to total assets	86.6093%	1,999
Equity capital to assets	13.0723%	1,410
Core capital (leverage) ratio	10.6634%	2,881
Tier 1 risk-based capital ratio	22.1787%	1,033
Total risk-based capital ratio	22.6162%	1,103
Memoranda:
Average total assets	$35,996,000	5,123
Average earning assets	$33,163,000	5,111
Average equity	$4,715,000	5,059
Average total loans	$13,601,500	5,175
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	1.4803%	5,388
Cost of funding earning assets	0.0628%	5,353
Net interest margin	1.4174%	5,375
Noninterest income to average assets	0.7950%	1,461
Noninterest expense to average assets	1.3341%	5,289
Loan and lease loss provision to assets	0.1863%	1,035
Net operating income to assets	0.5441%	4,556
Return on assets (ROA)	0.5441%	4,557
Pretax return on assets	0.5640%	4,696
Return on Equity (ROE)	2.9024%	4,915
Retained earnings to average equity (ytd only)	0.9145%	4,731
Net charge-offs to loans	-0.0139%	4,591
Credit loss provision to net charge-offs	-3,750.0000%	4,907
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	57.4493%	4,224
Assets per employee ($millions)	3.7132%	4,299
Cash dividends to net income (ytd only)*	68.4932%	1,147
Condition Ratios (%)
Loss allowance to loans	0.5302%	5,090
Loan loss allowance to noncurrent loans	962.5000%	637
Noncurrent assets plus other real estate owned to assets	0.0215%	4,770
Noncurrent loans to loans	0.0551%	4,501
Net loans and leases to total assets	38.9018%	4,985
Net loans and leases to deposits	44.9272%	5,008
Net loans and leases to core deposits	46.3754%	5,024
Total domestic deposits to total assets	86.5884%	1,971
Equity capital to assets	13.1235%	1,291
Core capital (leverage) ratio	11.6731%	1,975
Tier 1 risk-based capital ratio	20.1433%	1,278
Total risk-based capital ratio	20.5088%	1,424
Memoranda:
Average total assets	$40,251,600	5,095
Average earning assets	$36,615,400	5,095
Average equity	$7,545,400	4,670
Average total loans	$14,380,200	5,209
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	0.4632%	5,474
Cost of funding earning assets	0.0072%	5,459
Net interest margin	0.4560%	5,472
Noninterest income to average assets	0.3444%	3,843
Noninterest expense to average assets	0.3639%	5,464
Loan and lease loss provision to assets	0.0325%	3,372
Net operating income to assets	0.3477%	5,034
Return on assets (ROA)	0.3477%	5,028
Pretax return on assets	0.3607%	5,075
Return on Equity (ROE)	1.7369%	5,160
Retained earnings to average equity (ytd only)	1.7369%	4,661
Net charge-offs to loans	0.0000%	3,489
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	42.0601%	5,268
Assets per employee ($millions)	3.8093%	4,161
Cash dividends to net income (ytd only)*	0.0000%	3,598
Condition Ratios (%)
Loss allowance to loans	0.0675%	5,423
Loan loss allowance to noncurrent loans	7.8740%	4,934
Noncurrent assets plus other real estate owned to assets	0.3334%	3,345
Noncurrent loans to loans	0.8576%	1,987
Net loans and leases to total assets	38.8470%	5,054
Net loans and leases to deposits	44.5696%	5,095
Net loans and leases to core deposits	45.9565%	5,113
Total domestic deposits to total assets	87.1604%	1,665
Equity capital to assets	12.4984%	1,586
Core capital (leverage) ratio	11.0858%	2,500
Tier 1 risk-based capital ratio	19.8085%	1,379
Total risk-based capital ratio	19.8552%	1,591
Memoranda:
Average total assets	$41,031,500	5,145
Average earning assets	$37,133,250	5,151
Average equity	$8,213,500	4,622
Average total loans	$14,344,750	5,274
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5697%	4,815
Cost of funding earning assets	0.6847%	1,715
Net interest margin	2.8850%	5,031
Noninterest income to average assets	2.1661%	252
Noninterest expense to average assets	2.9802%	2,096
Loan and lease loss provision to assets	0.3332%	405
Net operating income to assets	1.4141%	1,383
Return on assets (ROA)	1.4187%	1,373
Pretax return on assets	1.4853%	1,867
Return on Equity (ROE)	6.3646%	4,115
Retained earnings to average equity (ytd only)	6.3646%	2,378
Net charge-offs to loans	0.1691%	920
Credit loss provision to net charge-offs	583.3333%	638
Earnings coverage of net charge-offs (x)	31.7500%	1,449
Efficiency ratio	62.1648%	3,602
Assets per employee ($millions)	4.0148%	3,871
Cash dividends to net income (ytd only)*	0.0000%	3,456
Condition Ratios (%)
Loss allowance to loans	1.6503%	991
Loan loss allowance to noncurrent loans	194.0678%	2,308
Noncurrent assets plus other real estate owned to assets	0.2939%	3,592
Noncurrent loans to loans	0.8504%	2,020
Net loans and leases to total assets	33.9917%	5,239
Net loans and leases to deposits	44.4600%	5,133
Net loans and leases to core deposits	45.9572%	5,151
Total domestic deposits to total assets	76.4546%	4,805
Equity capital to assets	23.3511%	137
Core capital (leverage) ratio	23.0953%	137
Tier 1 risk-based capital ratio	50.4932%	130
Total risk-based capital ratio	51.7010%	126
Memoranda:
Average total assets	$42,011,000	5,191
Average earning assets	$38,267,000	5,191
Average equity	$9,364,330	4,483
Average total loans	$14,190,330	5,336
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6152%	4,671
Cost of funding earning assets	0.6798%	1,544
Net interest margin	2.9354%	4,979
Noninterest income to average assets	2.5709%	190
Noninterest expense to average assets	2.9062%	2,345
Loan and lease loss provision to assets	0.0000%	3,508
Net operating income to assets	2.2449%	226
Return on assets (ROA)	2.2449%	225
Pretax return on assets	2.3194%	304
Return on Equity (ROE)	10.3002%	2,277
Retained earnings to average equity (ytd only)	10.3002%	1,070
Net charge-offs to loans	0.0279%	1,941
Credit loss provision to net charge-offs	0.0000%	2,201
Earnings coverage of net charge-offs (x)	249.0000%	272
Efficiency ratio	55.6150%	4,633
Assets per employee ($millions)	4.2387%	3,586
Cash dividends to net income (ytd only)*	0.0000%	2,749
Condition Ratios (%)
Loss allowance to loans	1.2125%	2,734
Loan loss allowance to noncurrent loans	150.4425%	2,745
Noncurrent assets plus other real estate owned to assets	0.2666%	3,802
Noncurrent loans to loans	0.8059%	2,196
Net loans and leases to total assets	32.6775%	5,302
Net loans and leases to deposits	42.0632%	5,215
Net loans and leases to core deposits	43.3779%	5,231
Total domestic deposits to total assets	77.6866%	4,770
Equity capital to assets	22.1129%	154
Core capital (leverage) ratio	21.8207%	158
Tier 1 risk-based capital ratio	48.7101%	142
Total risk-based capital ratio	49.5803%	142
Memoranda:
Average total assets	$42,942,500	5,240
Average earning assets	$38,836,000	5,239
Average equity	$9,359,000	4,526
Average total loans	$14,347,500	5,393
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6567%	4,433
Cost of funding earning assets	0.6612%	1,240
Net interest margin	2.9955%	4,895
Noninterest income to average assets	2.0159%	295
Noninterest expense to average assets	2.9604%	2,272
Loan and lease loss provision to assets	0.0000%	4,227
Net operating income to assets	1.6876%	539
Return on assets (ROA)	1.6942%	547
Pretax return on assets	1.7508%	895
Return on Equity (ROE)	6.9950%	3,280
Retained earnings to average equity (ytd only)	-11.7082%	5,558
Net charge-offs to loans	-0.0061%	4,679
Credit loss provision to net charge-offs	0.0000%	3,708
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	62.9273%	3,791
Assets per employee ($millions)	4.3498%	3,415
Cash dividends to net income (ytd only)*	267.3797%	69
Condition Ratios (%)
Loss allowance to loans	1.1653%	2,983
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	5,206
Noncurrent loans to loans	0.0000%	5,081
Net loans and leases to total assets	33.3418%	5,360
Net loans and leases to deposits	42.5895%	5,279
Net loans and leases to core deposits	43.8740%	5,296
Total domestic deposits to total assets	78.2864%	4,670
Equity capital to assets	21.4837%	164
Core capital (leverage) ratio	21.5097%	158
Tier 1 risk-based capital ratio	44.1121%	166
Total risk-based capital ratio	44.9253%	168
Memoranda:
Average total assets	$44,150,000	5,270
Average earning assets	$39,625,800	5,282
Average equity	$10,693,400	4,349
Average total loans	$16,293,200	5,415
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7041%	4,312
Cost of funding earning assets	0.6606%	1,179
Net interest margin	3.0435%	4,825
Noninterest income to average assets	2.0099%	308
Noninterest expense to average assets	2.7109%	3,028
Loan and lease loss provision to assets	0.0000%	4,088
Net operating income to assets	1.9560%	346
Return on assets (ROA)	1.9648%	342
Pretax return on assets	2.0249%	523
Return on Equity (ROE)	7.8930%	3,180
Retained earnings to average equity (ytd only)	7.8930%	1,262
Net charge-offs to loans	0.0000%	3,796
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	57.3520%	4,579
Assets per employee ($millions)	4.4317%	3,274
Cash dividends to net income (ytd only)*	0.0000%	3,680
Condition Ratios (%)
Loss allowance to loans	1.0587%	3,740
Loan loss allowance to noncurrent loans	144.0678%	2,870
Noncurrent assets plus other real estate owned to assets	0.2663%	4,005
Noncurrent loans to loans	0.7348%	2,519
Net loans and leases to total assets	35.8508%	5,354
Net loans and leases to deposits	48.4316%	5,176
Net loans and leases to core deposits	49.9497%	5,200
Total domestic deposits to total assets	74.0235%	5,234
Equity capital to assets	25.7170%	93
Core capital (leverage) ratio	25.4414%	93
Tier 1 risk-based capital ratio	50.6822%	124
Total risk-based capital ratio	51.4528%	127
Memoranda:
Average total assets	$44,313,000	5,322
Average earning assets	$39,559,250	5,341
Average equity	$11,030,500	4,337
Average total loans	$16,698,000	5,458
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6758%	4,295
Cost of funding earning assets	0.6569%	1,107
Net interest margin	3.0189%	4,868
Noninterest income to average assets	1.9679%	319
Noninterest expense to average assets	2.7893%	2,802
Loan and lease loss provision to assets	0.0000%	3,871
Net operating income to assets	1.8370%	422
Return on assets (ROA)	1.8370%	435
Pretax return on assets	1.8957%	661
Return on Equity (ROE)	7.4622%	3,304
Retained earnings to average equity (ytd only)	7.4622%	1,365
Net charge-offs to loans	0.0118%	3,041
Credit loss provision to net charge-offs	0.0000%	2,905
Earnings coverage of net charge-offs (x)	420.0000%	201
Efficiency ratio	59.5376%	4,393
Assets per employee ($millions)	4.3912%	3,286
Cash dividends to net income (ytd only)*	0.0000%	3,521
Condition Ratios (%)
Loss allowance to loans	1.0210%	4,024
Loan loss allowance to noncurrent loans	1,056.2500%	562
Noncurrent assets plus other real estate owned to assets	0.0364%	5,114
Noncurrent loans to loans	0.0967%	4,742
Net loans and leases to total assets	37.3110%	5,325
Net loans and leases to deposits	50.2916%	5,126
Net loans and leases to core deposits	51.8760%	5,153
Total domestic deposits to total assets	74.1893%	5,276
Equity capital to assets	25.5853%	93
Core capital (leverage) ratio	24.6667%	104
Tier 1 risk-based capital ratio	49.9133%	119
Total risk-based capital ratio	50.6847%	122
Memoranda:
Average total assets	$44,311,670	5,361
Average earning assets	$39,882,670	5,376
Average equity	$10,908,330	4,371
Average total loans	$16,911,330	5,497
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6093%	4,393
Cost of funding earning assets	0.6680%	987
Net interest margin	2.9413%	5,007
Noninterest income to average assets	1.4648%	503
Noninterest expense to average assets	2.5611%	3,619
Loan and lease loss provision to assets	0.0000%	3,537
Net operating income to assets	1.5097%	792
Return on assets (ROA)	1.5097%	821
Pretax return on assets	1.5547%	1,364
Return on Equity (ROE)	6.2541%	3,785
Retained earnings to average equity (ytd only)	6.2541%	2,212
Net charge-offs to loans	0.0000%	2,943
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	62.2271%	4,121
Assets per employee ($millions)	4.4577%	3,237
Cash dividends to net income (ytd only)*	0.0000%	2,824
Condition Ratios (%)
Loss allowance to loans	0.9979%	4,305
Loan loss allowance to noncurrent loans	3,400.0000%	227
Noncurrent assets plus other real estate owned to assets	0.0112%	5,312
Noncurrent loans to loans	0.0293%	5,099
Net loans and leases to total assets	37.8357%	5,333
Net loans and leases to deposits	50.1382%	5,126
Net loans and leases to core deposits	51.6633%	5,159
Total domestic deposits to total assets	75.4627%	5,292
Equity capital to assets	24.3242%	115
Core capital (leverage) ratio	23.8690%	113
Tier 1 risk-based capital ratio	48.1734%	144
Total risk-based capital ratio	48.9354%	148
Memoranda:
Average total assets	$44,511,500	5,413
Average earning assets	$40,118,500	5,429
Average equity	$10,745,000	4,429
Average total loans	$17,090,500	5,546
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5375%	4,670
Cost of funding earning assets	0.6946%	832
Net interest margin	2.8429%	5,213
Noninterest income to average assets	1.9364%	355
Noninterest expense to average assets	2.6579%	3,494
Loan and lease loss provision to assets	0.0885%	2,596
Net operating income to assets	1.6581%	598
Return on assets (ROA)	1.6708%	609
Pretax return on assets	1.7394%	916
Return on Equity (ROE)	6.5230%	3,731
Retained earnings to average equity (ytd only)	-4.2767%	5,647
Net charge-offs to loans	0.0125%	3,851
Credit loss provision to net charge-offs	2,000.0000%	214
Earnings coverage of net charge-offs (x)	410.0000%	197
Efficiency ratio	59.4260%	4,675
Assets per employee ($millions)	4.4446%	3,199
Cash dividends to net income (ytd only)*	165.5629%	124
Condition Ratios (%)
Loss allowance to loans	0.9915%	4,387
Loan loss allowance to noncurrent loans	1,700.0000%	381
Noncurrent assets plus other real estate owned to assets	0.0225%	5,298
Noncurrent loans to loans	0.0583%	5,015
Net loans and leases to total assets	38.1924%	5,395
Net loans and leases to deposits	50.3904%	5,192
Net loans and leases to core deposits	52.7108%	5,190
Total domestic deposits to total assets	75.7931%	5,263
Equity capital to assets	23.9549%	115
Core capital (leverage) ratio	23.1205%	121
Tier 1 risk-based capital ratio	47.0796%	156
Total risk-based capital ratio	47.8399%	159
Memoranda:
Average total assets	$45,186,800	5,437
Average earning assets	$40,310,400	5,463
Average equity	$11,574,400	4,323
Average total loans	$15,968,600	5,643
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5149%	4,767
Cost of funding earning assets	0.6997%	817
Net interest margin	2.8152%	5,334
Noninterest income to average assets	2.2098%	308
Noninterest expense to average assets	2.4537%	4,120
Loan and lease loss provision to assets	0.0588%	3,078
Net operating income to assets	2.1457%	269
Return on assets (ROA)	2.1628%	276
Pretax return on assets	2.2216%	367
Return on Equity (ROE)	8.3118%	2,849
Retained earnings to average equity (ytd only)	8.3118%	1,044
Net charge-offs to loans	0.0255%	3,156
Credit loss provision to net charge-offs	666.6667%	580
Earnings coverage of net charge-offs (x)	256.6600%	316
Efficiency ratio	52.0249%	5,383
Assets per employee ($millions)	4.6061%	2,917
Cash dividends to net income (ytd only)*	0.0000%	3,760
Condition Ratios (%)
Loss allowance to loans	0.8969%	4,884
Loan loss allowance to noncurrent loans	2,483.3333%	286
Noncurrent assets plus other real estate owned to assets	0.0130%	5,470
Noncurrent loans to loans	0.0361%	5,228
Net loans and leases to total assets	35.7439%	5,561
Net loans and leases to deposits	48.9709%	5,348
Net loans and leases to core deposits	51.2259%	5,343
Total domestic deposits to total assets	72.9902%	5,524
Equity capital to assets	26.7254%	84
Core capital (leverage) ratio	26.3154%	83
Tier 1 risk-based capital ratio	54.0946%	111
Total risk-based capital ratio	54.7847%	113
Memoranda:
Average total assets	$45,372,000	5,485
Average earning assets	$40,398,500	5,516
Average equity	$11,806,250	4,320
Average total loans	$15,674,500	5,706
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4859%	4,908
Cost of funding earning assets	0.7081%	770
Net interest margin	2.7778%	5,461
Noninterest income to average assets	1.3646%	616
Noninterest expense to average assets	2.4102%	4,305
Loan and lease loss provision to assets	0.0000%	4,017
Net operating income to assets	1.3878%	1,080
Return on assets (ROA)	1.4133%	1,091
Pretax return on assets	1.4665%	1,786
Return on Equity (ROE)	5.4819%	4,294
Retained earnings to average equity (ytd only)	5.4819%	2,429
Net charge-offs to loans	0.1042%	1,791
Credit loss provision to net charge-offs	0.0000%	3,050
Earnings coverage of net charge-offs (x)	40.6250%	1,147
Efficiency ratio	62.6007%	4,250
Assets per employee ($millions)	4.5185%	2,988
Cash dividends to net income (ytd only)*	0.0000%	3,619
Condition Ratios (%)
Loss allowance to loans	0.7491%	5,408
Loan loss allowance to noncurrent loans	1,240.0000%	492
Noncurrent assets plus other real estate owned to assets	0.0221%	5,507
Noncurrent loans to loans	0.0604%	5,203
Net loans and leases to total assets	36.3594%	5,590
Net loans and leases to deposits	49.6629%	5,351
Net loans and leases to core deposits	52.9012%	5,327
Total domestic deposits to total assets	73.2123%	5,591
Equity capital to assets	26.5619%	80
Core capital (leverage) ratio	25.2499%	90
Tier 1 risk-based capital ratio	53.0993%	115
Total risk-based capital ratio	53.6798%	116
Memoranda:
Average total assets	$45,142,330	5,560
Average earning assets	$40,391,000	5,577
Average equity	$11,638,330	4,378
Average total loans	$15,361,670	5,781
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4333%	5,040
Cost of funding earning assets	0.7265%	706
Net interest margin	2.7068%	5,611
Noninterest income to average assets	1.4893%	507
Noninterest expense to average assets	2.4379%	4,264
Loan and lease loss provision to assets	0.0000%	3,656
Net operating income to assets	1.4106%	1,022
Return on assets (ROA)	1.4361%	1,019
Pretax return on assets	1.4893%	1,629
Return on Equity (ROE)	5.6562%	4,151
Retained earnings to average equity (ytd only)	5.6562%	2,553
Net charge-offs to loans	-0.0271%	5,019
Credit loss provision to net charge-offs	0.0000%	2,416
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	62.5000%	4,372
Assets per employee ($millions)	4.4801%	3,106
Cash dividends to net income (ytd only)*	0.0000%	2,863
Condition Ratios (%)
Loss allowance to loans	0.8687%	5,157
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	5,696
Noncurrent loans to loans	0.0000%	5,543
Net loans and leases to total assets	33.8787%	5,721
Net loans and leases to deposits	45.8980%	5,508
Net loans and leases to core deposits	48.8856%	5,481
Total domestic deposits to total assets	73.8131%	5,623
Equity capital to assets	25.9659%	82
Core capital (leverage) ratio	24.7889%	95
Tier 1 risk-based capital ratio	54.7511%	111
Total risk-based capital ratio	55.4022%	113
Memoranda:
Average total assets	$45,121,000	5,612
Average earning assets	$40,195,000	5,630
Average equity	$11,456,500	4,423
Average total loans	$14,766,000	5,855
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3394%	5,277
Cost of funding earning assets	0.8172%	447
Net interest margin	2.5222%	5,816
Noninterest income to average assets	2.0628%	348
Noninterest expense to average assets	2.5262%	4,142
Loan and lease loss provision to assets	0.0446%	3,436
Net operating income to assets	1.6641%	615
Return on assets (ROA)	1.6641%	633
Pretax return on assets	1.7265%	940
Return on Equity (ROE)	6.8017%	3,617
Retained earnings to average equity (ytd only)	6.8017%	1,369
Net charge-offs to loans	0.0000%	4,462
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	58.7869%	5,052
Assets per employee ($millions)	4.5441%	2,973
Cash dividends to net income (ytd only)*	0.0000%	4,258
Condition Ratios (%)
Loss allowance to loans	0.9282%	4,981
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	5,750
Noncurrent loans to loans	0.0000%	5,583
Net loans and leases to total assets	31.0050%	5,864
Net loans and leases to deposits	41.3495%	5,728
Net loans and leases to core deposits	43.9512%	5,715
Total domestic deposits to total assets	74.9829%	5,556
Equity capital to assets	24.8234%	95
Core capital (leverage) ratio	24.3086%	99
Tier 1 risk-based capital ratio	55.4176%	104
Total risk-based capital ratio	56.0813%	104
Memoranda:
Average total assets	$44,889,600	5,660
Average earning assets	$39,767,600	5,686
Average equity	$10,982,600	4,483
Average total loans	$14,303,800	5,914
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3141%	5,378
Cost of funding earning assets	0.8226%	436
Net interest margin	2.4914%	5,912
Noninterest income to average assets	1.5224%	538
Noninterest expense to average assets	2.3477%	4,658
Loan and lease loss provision to assets	0.0000%	4,232
Net operating income to assets	1.3407%	1,246
Return on assets (ROA)	1.3407%	1,291
Pretax return on assets	1.3854%	2,077
Return on Equity (ROE)	5.5003%	4,410
Retained earnings to average equity (ytd only)	5.5003%	2,577
Net charge-offs to loans	0.0093%	3,840
Credit loss provision to net charge-offs	0.0000%	3,517
Earnings coverage of net charge-offs (x)	466.1504%	155
Efficiency ratio	62.8891%	4,424
Assets per employee ($millions)	4.5009%	3,005
Cash dividends to net income (ytd only)*	0.0000%	3,801
Condition Ratios (%)
Loss allowance to loans	0.7629%	5,605
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	5,840
Noncurrent loans to loans	0.0000%	5,684
Net loans and leases to total assets	32.0780%	5,919
Net loans and leases to deposits	42.7261%	5,773
Net loans and leases to core deposits	45.4325%	5,751
Total domestic deposits to total assets	75.0783%	5,617
Equity capital to assets	24.7351%	101
Core capital (leverage) ratio	23.8939%	108
Tier 1 risk-based capital ratio	54.1475%	116
Total risk-based capital ratio	54.7079%	117
Memoranda:
Average total assets	$44,751,750	5,736
Average earning assets	$39,708,750	5,760
Average equity	$10,908,250	4,554
Average total loans	$14,324,500	5,989
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2896%	5,457
Cost of funding earning assets	0.8274%	438
Net interest margin	2.4621%	5,995
Noninterest income to average assets	1.5896%	510
Noninterest expense to average assets	2.2612%	4,946
Loan and lease loss provision to assets	0.0000%	4,069
Net operating income to assets	1.4687%	952
Return on assets (ROA)	1.4687%	1,003
Pretax return on assets	1.5135%	1,610
Return on Equity (ROE)	6.0554%	4,102
Retained earnings to average equity (ytd only)	6.0554%	2,212
Net charge-offs to loans	0.0140%	3,440
Credit loss provision to net charge-offs	0.0000%	3,158
Earnings coverage of net charge-offs (x)	338.0000%	205
Efficiency ratio	59.9051%	4,994
Assets per employee ($millions)	5.5878%	1,668
Cash dividends to net income (ytd only)*	0.0000%	3,641
Condition Ratios (%)
Loss allowance to loans	0.7566%	5,703
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	5,929
Noncurrent loans to loans	0.0000%	5,787
Net loans and leases to total assets	32.5690%	5,944
Net loans and leases to deposits	43.1071%	5,796
Net loans and leases to core deposits	45.8320%	5,775
Total domestic deposits to total assets	75.5537%	5,651
Equity capital to assets	24.2920%	100
Core capital (leverage) ratio	23.6917%	109
Tier 1 risk-based capital ratio	53.7541%	128
Total risk-based capital ratio	54.3169%	127
Memoranda:
Average total assets	$44,666,000	5,801
Average earning assets	$39,640,330	5,823
Average equity	$10,833,330	4,597
Average total loans	$14,249,670	6,055
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2477%	5,559
Cost of funding earning assets	0.8398%	399
Net interest margin	2.4080%	6,097
Noninterest income to average assets	1.7112%	444
Noninterest expense to average assets	2.3472%	4,748
Loan and lease loss provision to assets	0.0000%	3,703
Net operating income to assets	1.4603%	920
Return on assets (ROA)	1.4603%	981
Pretax return on assets	1.4961%	1,579
Return on Equity (ROE)	6.0256%	4,028
Retained earnings to average equity (ytd only)	6.0256%	2,492
Net charge-offs to loans	0.0570%	2,190
Credit loss provision to net charge-offs	0.0000%	2,491
Earnings coverage of net charge-offs (x)	83.5000%	573
Efficiency ratio	61.0723%	4,954
Assets per employee ($millions)	5.6211%	1,695
Cash dividends to net income (ytd only)*	0.0000%	2,870
Condition Ratios (%)
Loss allowance to loans	0.7922%	5,714
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	5,987
Noncurrent loans to loans	0.0000%	5,830
Net loans and leases to total assets	30.6322%	6,050
Net loans and leases to deposits	40.6234%	5,892
Net loans and leases to core deposits	43.6249%	5,852
Total domestic deposits to total assets	75.4053%	5,794
Equity capital to assets	24.3857%	102
Core capital (leverage) ratio	22.8813%	120
Tier 1 risk-based capital ratio	55.4093%	119
Total risk-based capital ratio	55.9932%	123
Memoranda:
Average total assets	$44,648,000	5,852
Average earning assets	$39,535,500	5,881
Average equity	$10,820,500	4,634
Average total loans	$14,039,500	6,110
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3624%	5,598
Cost of funding earning assets	0.8406%	536
Net interest margin	2.5218%	6,133
Noninterest income to average assets	1.8135%	399
Noninterest expense to average assets	2.6299%	4,117
Loan and lease loss provision to assets	0.0000%	4,603
Net operating income to assets	1.3890%	1,102
Return on assets (ROA)	1.4709%	970
Pretax return on assets	1.5202%	1,476
Return on Equity (ROE)	6.1250%	4,086
Retained earnings to average equity (ytd only)	6.1250%	1,845
Net charge-offs to loans	-0.0147%	5,639
Credit loss provision to net charge-offs	0.0000%	4,203
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	64.6855%	4,461
Assets per employee ($millions)	4.9252%	2,415
Cash dividends to net income (ytd only)*	0.0000%	4,317
Condition Ratios (%)
Loss allowance to loans	0.7891%	5,803
Loan loss allowance to noncurrent loans	3,733.3333%	202
Noncurrent assets plus other real estate owned to assets	0.0068%	6,056
Noncurrent loans to loans	0.0211%	5,804
Net loans and leases to total assets	31.7684%	6,120
Net loans and leases to deposits	41.9369%	5,972
Net loans and leases to core deposits	45.0595%	5,924
Total domestic deposits to total assets	75.7529%	5,774
Equity capital to assets	24.0824%	112
Core capital (leverage) ratio	23.3788%	113
Tier 1 risk-based capital ratio	54.2646%	114
Total risk-based capital ratio	54.8561%	114
Memoranda:
Average total assets	$42,625,800	5,963
Average earning assets	$38,067,800	5,981
Average equity	$10,236,800	4,700
Average total loans	$13,618,800	6,207
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3826%	5,622
Cost of funding earning assets	0.8377%	565
Net interest margin	2.5449%	6,190
Noninterest income to average assets	1.9462%	361
Noninterest expense to average assets	2.5844%	4,245
Loan and lease loss provision to assets	0.0000%	4,401
Net operating income to assets	1.5926%	767
Return on assets (ROA)	1.7029%	633
Pretax return on assets	1.7503%	977
Return on Equity (ROE)	7.0962%	3,663
Retained earnings to average equity (ytd only)	7.0962%	1,772
Net charge-offs to loans	-0.0099%	5,424
Credit loss provision to net charge-offs	0.0000%	3,801
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	61.2275%	4,999
Assets per employee ($millions)	4.7513%	2,592
Cash dividends to net income (ytd only)*	0.0000%	3,806
Condition Ratios (%)
Loss allowance to loans	0.8025%	5,864
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,218
Noncurrent loans to loans	0.0000%	6,061
Net loans and leases to total assets	32.0869%	6,179
Net loans and leases to deposits	42.5814%	6,029
Net loans and leases to core deposits	45.3902%	5,980
Total domestic deposits to total assets	75.3543%	5,889
Equity capital to assets	24.4633%	104
Core capital (leverage) ratio	23.7183%	112
Tier 1 risk-based capital ratio	56.1793%	109
Total risk-based capital ratio	56.7915%	109
Memoranda:
Average total assets	$42,200,500	6,049
Average earning assets	$37,721,500	6,065
Average equity	$10,127,250	4,758
Average total loans	$13,475,000	6,283
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3383%	5,736
Cost of funding earning assets	0.8346%	598
Net interest margin	2.5037%	6,270
Noninterest income to average assets	1.9851%	349
Noninterest expense to average assets	2.6087%	4,210
Loan and lease loss provision to assets	0.0000%	4,196
Net operating income to assets	1.5709%	758
Return on assets (ROA)	1.5709%	789
Pretax return on assets	1.6185%	1,208
Return on Equity (ROE)	6.5895%	3,842
Retained earnings to average equity (ytd only)	6.5895%	1,985
Net charge-offs to loans	0.0150%	3,937
Credit loss provision to net charge-offs	0.0000%	3,401
Earnings coverage of net charge-offs (x)	340.0000%	202
Efficiency ratio	61.7117%	5,050
Assets per employee ($millions)	4.6956%	2,618
Cash dividends to net income (ytd only)*	0.0000%	3,638
Condition Ratios (%)
Loss allowance to loans	0.8180%	5,932
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,288
Noncurrent loans to loans	0.0000%	6,120
Net loans and leases to total assets	31.2731%	6,267
Net loans and leases to deposits	41.4464%	6,093
Net loans and leases to core deposits	44.2051%	6,058
Total domestic deposits to total assets	75.4543%	5,972
Equity capital to assets	24.3729%	103
Core capital (leverage) ratio	23.5653%	108
Tier 1 risk-based capital ratio	56.2204%	104
Total risk-based capital ratio	56.8346%	104
Memoranda:
Average total assets	$42,013,330	6,110
Average earning assets	$37,624,000	6,123
Average equity	$10,016,000	4,804
Average total loans	$13,356,000	6,342
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3536%	5,743
Cost of funding earning assets	0.8224%	659
Net interest margin	2.5312%	6,308
Noninterest income to average assets	2.1294%	301
Noninterest expense to average assets	2.4636%	4,746
Loan and lease loss provision to assets	0.0000%	3,817
Net operating income to assets	1.8811%	410
Return on assets (ROA)	1.8811%	431
Pretax return on assets	1.9289%	614
Return on Equity (ROE)	7.9806%	2,941
Retained earnings to average equity (ytd only)	7.9806%	1,602
Net charge-offs to loans	-0.0299%	5,554
Credit loss provision to net charge-offs	0.0000%	2,688
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	40.6522%	6,582
Assets per employee ($millions)	4.6118%	2,794
Cash dividends to net income (ytd only)*	0.0000%	2,852
Condition Ratios (%)
Loss allowance to loans	0.8496%	6,005
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,361
Noncurrent loans to loans	0.0000%	6,210
Net loans and leases to total assets	31.2099%	6,296
Net loans and leases to deposits	41.2705%	6,119
Net loans and leases to core deposits	44.0582%	6,075
Total domestic deposits to total assets	75.6228%	6,107
Equity capital to assets	24.1917%	105
Core capital (leverage) ratio	23.5770%	111
Tier 1 risk-based capital ratio	57.5655%	102
Total risk-based capital ratio	58.2145%	101
Memoranda:
Average total assets	$41,890,000	6,171
Average earning assets	$37,452,000	6,185
Average equity	$9,874,000	4,851
Average total loans	$13,371,500	6,405
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5448%	5,546
Cost of funding earning assets	0.8869%	794
Net interest margin	2.6579%	6,195
Noninterest income to average assets	2.1484%	356
Noninterest expense to average assets	2.7455%	3,926
Loan and lease loss provision to assets	0.0000%	5,091
Net operating income to assets	1.6982%	585
Return on assets (ROA)	1.6982%	595
Pretax return on assets	1.7349%	885
Return on Equity (ROE)	7.1307%	3,496
Retained earnings to average equity (ytd only)	7.1307%	1,387
Net charge-offs to loans	-0.0312%	6,237
Credit loss provision to net charge-offs	0.0000%	4,707
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	61.2780%	5,316
Assets per employee ($millions)	4.6971%	2,591
Cash dividends to net income (ytd only)*	0.0000%	4,285
Condition Ratios (%)
Loss allowance to loans	0.8042%	6,168
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,461
Noncurrent loans to loans	0.0000%	6,319
Net loans and leases to total assets	32.0954%	6,376
Net loans and leases to deposits	41.7336%	6,242
Net loans and leases to core deposits	44.4415%	6,208
Total domestic deposits to total assets	76.9054%	5,985
Equity capital to assets	22.9621%	125
Core capital (leverage) ratio	23.1817%	113
Tier 1 risk-based capital ratio	55.4738%	107
Total risk-based capital ratio	56.1063%	108
Memoranda:
Average total assets	$40,867,000	6,266
Average earning assets	$35,855,400	6,295
Average equity	$9,732,600	4,912
Average total loans	$12,821,600	6,491
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5623%	5,546
Cost of funding earning assets	0.9000%	815
Net interest margin	2.6623%	6,233
Noninterest income to average assets	2.3102%	334
Noninterest expense to average assets	2.7051%	4,004
Loan and lease loss provision to assets	0.0000%	4,941
Net operating income to assets	1.8659%	462
Return on assets (ROA)	1.8659%	473
Pretax return on assets	1.9219%	683
Return on Equity (ROE)	7.7624%	3,254
Retained earnings to average equity (ytd only)	7.7624%	1,518
Net charge-offs to loans	-0.0212%	6,055
Credit loss provision to net charge-offs	0.0000%	4,342
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	58.4637%	5,632
Assets per employee ($millions)	4.4978%	2,889
Cash dividends to net income (ytd only)*	0.0000%	3,738
Condition Ratios (%)
Loss allowance to loans	0.8014%	6,284
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,542
Noncurrent loans to loans	0.0000%	6,405
Net loans and leases to total assets	33.0237%	6,408
Net loans and leases to deposits	43.4732%	6,236
Net loans and leases to core deposits	46.4586%	6,196
Total domestic deposits to total assets	75.9634%	6,174
Equity capital to assets	23.8389%	111
Core capital (leverage) ratio	22.8942%	115
Tier 1 risk-based capital ratio	53.9892%	115
Total risk-based capital ratio	54.6016%	115
Memoranda:
Average total assets	$40,515,250	6,344
Average earning assets	$35,257,000	6,380
Average equity	$9,739,000	4,968
Average total loans	$12,607,500	6,562
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5929%	5,457
Cost of funding earning assets	0.9054%	875
Net interest margin	2.6875%	6,197
Noninterest income to average assets	2.3392%	359
Noninterest expense to average assets	2.5119%	4,680
Loan and lease loss provision to assets	0.0000%	4,788
Net operating income to assets	2.0875%	309
Return on assets (ROA)	2.0875%	324
Pretax return on assets	2.1418%	467
Return on Equity (ROE)	8.6603%	2,776
Retained earnings to average equity (ytd only)	8.6603%	1,242
Net charge-offs to loans	-0.0162%	5,895
Credit loss provision to net charge-offs	0.0000%	4,003
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	53.9767%	6,146
Assets per employee ($millions)	4.4278%	2,931
Cash dividends to net income (ytd only)*	0.0000%	3,522
Condition Ratios (%)
Loss allowance to loans	0.8601%	6,231
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,597
Noncurrent loans to loans	0.0000%	6,469
Net loans and leases to total assets	30.9511%	6,546
Net loans and leases to deposits	40.9754%	6,369
Net loans and leases to core deposits	43.8449%	6,337
Total domestic deposits to total assets	75.5358%	6,304
Equity capital to assets	24.2735%	95
Core capital (leverage) ratio	23.0382%	109
Tier 1 risk-based capital ratio	56.6792%	100
Total risk-based capital ratio	57.3259%	100
Memoranda:
Average total assets	$40,527,000	6,389
Average earning assets	$34,902,330	6,435
Average equity	$9,768,670	4,993
Average total loans	$12,318,000	6,618
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6282%	5,368
Cost of funding earning assets	0.9070%	954
Net interest margin	2.7211%	6,184
Noninterest income to average assets	2.4568%	329
Noninterest expense to average assets	2.5645%	4,515
Loan and lease loss provision to assets	0.0000%	4,409
Net operating income to assets	2.1534%	265
Return on assets (ROA)	2.1534%	290
Pretax return on assets	2.2121%	408
Return on Equity (ROE)	8.9645%	2,503
Retained earnings to average equity (ytd only)	8.9645%	1,393
Net charge-offs to loans	0.0000%	4,145
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	53.6885%	6,252
Assets per employee ($millions)	4.4448%	3,069
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	0.9063%	6,246
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,664
Noncurrent loans to loans	0.0000%	6,535
Net loans and leases to total assets	28.9728%	6,638
Net loans and leases to deposits	38.5960%	6,481
Net loans and leases to core deposits	41.2985%	6,426
Total domestic deposits to total assets	75.0669%	6,452
Equity capital to assets	24.6856%	97
Core capital (leverage) ratio	22.7558%	116
Tier 1 risk-based capital ratio	58.0082%	95
Total risk-based capital ratio	58.6785%	100
Memoranda:
Average total assets	$40,865,500	6,440
Average earning assets	$34,838,500	6,494
Average equity	$9,816,500	5,033
Average total loans	$12,256,500	6,686
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9976%	5,313
Cost of funding earning assets	1.0397%	1,167
Net interest margin	2.9579%	6,125
Noninterest income to average assets	2.2696%	363
Noninterest expense to average assets	2.8350%	3,894
Loan and lease loss provision to assets	0.0000%	5,905
Net operating income to assets	1.8918%	440
Return on assets (ROA)	2.0381%	365
Pretax return on assets	2.1054%	484
Return on Equity (ROE)	8.1129%	3,038
Retained earnings to average equity (ytd only)	8.1129%	1,083
Net charge-offs to loans	0.0082%	5,832
Credit loss provision to net charge-offs	0.0000%	5,483
Earnings coverage of net charge-offs (x)	726.0000%	53
Efficiency ratio	59.1906%	5,666
Assets per employee ($millions)	4.6364%	2,719
Cash dividends to net income (ytd only)*	0.0000%	4,298
Condition Ratios (%)
Loss allowance to loans	0.8270%	6,434
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,725
Noncurrent loans to loans	0.0000%	6,599
Net loans and leases to total assets	30.4616%	6,685
Net loans and leases to deposits	39.8839%	6,559
Net loans and leases to core deposits	42.4961%	6,526
Total domestic deposits to total assets	76.3756%	6,307
Equity capital to assets	23.3848%	116
Core capital (leverage) ratio	23.4687%	108
Tier 1 risk-based capital ratio	52.7699%	128
Total risk-based capital ratio	53.3946%	129
Memoranda:
Average total assets	$37,143,200	6,579
Average earning assets	$31,644,200	6,621
Average equity	$9,330,800	5,142
Average total loans	$12,141,600	6,775
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1484%	4,994
Cost of funding earning assets	1.0871%	1,114
Net interest margin	3.0612%	6,041
Noninterest income to average assets	2.3483%	335
Noninterest expense to average assets	2.8520%	3,788
Loan and lease loss provision to assets	0.0000%	5,790
Net operating income to assets	2.0598%	352
Return on assets (ROA)	2.2631%	281
Pretax return on assets	2.3112%	397
Return on Equity (ROE)	8.8319%	2,885
Retained earnings to average equity (ytd only)	8.8319%	1,293
Net charge-offs to loans	-0.0334%	6,602
Credit loss provision to net charge-offs	0.0000%	5,158
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	57.5486%	5,849
Assets per employee ($millions)	4.0613%	3,747
Cash dividends to net income (ytd only)*	0.0000%	3,713
Condition Ratios (%)
Loss allowance to loans	0.9276%	6,308
Loan loss allowance to noncurrent loans	2,200.0000%	239
Noncurrent assets plus other real estate owned to assets	0.0137%	6,745
Noncurrent loans to loans	0.0422%	6,512
Net loans and leases to total assets	32.1432%	6,737
Net loans and leases to deposits	43.8199%	6,513
Net loans and leases to core deposits	47.2626%	6,459
Total domestic deposits to total assets	73.3530%	6,651
Equity capital to assets	26.3542%	95
Core capital (leverage) ratio	24.0485%	107
Tier 1 risk-based capital ratio	57.9932%	102
Total risk-based capital ratio	58.7174%	103
Memoranda:
Average total assets	$35,997,000	6,689
Average earning assets	$30,662,000	6,731
Average equity	$9,224,000	5,210
Average total loans	$11,972,750	6,871
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2432%	4,792
Cost of funding earning assets	1.1152%	1,148
Net interest margin	3.1279%	5,914
Noninterest income to average assets	2.2339%	341
Noninterest expense to average assets	2.7421%	4,243
Loan and lease loss provision to assets	0.0000%	5,619
Net operating income to assets	2.1061%	338
Return on assets (ROA)	2.4126%	229
Pretax return on assets	2.4517%	318
Return on Equity (ROE)	9.5074%	2,569
Retained earnings to average equity (ytd only)	9.5074%	1,112
Net charge-offs to loans	-0.0333%	6,561
Credit loss provision to net charge-offs	0.0000%	4,809
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	56.1785%	6,095
Assets per employee ($millions)	3.9960%	3,891
Cash dividends to net income (ytd only)*	0.0000%	3,523
Condition Ratios (%)
Loss allowance to loans	0.8745%	6,520
Loan loss allowance to noncurrent loans	5,450.0000%	113
Noncurrent assets plus other real estate owned to assets	0.0056%	6,844
Noncurrent loans to loans	0.0160%	6,653
Net loans and leases to total assets	34.3538%	6,715
Net loans and leases to deposits	46.5963%	6,398
Net loans and leases to core deposits	50.2890%	6,326
Total domestic deposits to total assets	73.7265%	6,698
Equity capital to assets	26.0177%	94
Core capital (leverage) ratio	23.5390%	107
Tier 1 risk-based capital ratio	56.6179%	106
Total risk-based capital ratio	57.3332%	107
Memoranda:
Average total assets	$35,812,000	6,742
Average earning assets	$30,307,670	6,789
Average equity	$9,087,670	5,239
Average total loans	$12,010,670	6,926
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3995%	4,341
Cost of funding earning assets	1.1840%	1,052
Net interest margin	3.2156%	5,744
Noninterest income to average assets	2.0036%	406
Noninterest expense to average assets	2.7647%	4,183
Loan and lease loss provision to assets	0.0000%	5,254
Net operating income to assets	1.8916%	499
Return on assets (ROA)	1.8916%	573
Pretax return on assets	1.9140%	856
Return on Equity (ROE)	7.5505%	3,471
Retained earnings to average equity (ytd only)	7.5505%	2,150
Net charge-offs to loans	-0.0679%	6,657
Credit loss provision to net charge-offs	0.0000%	3,998
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	59.0909%	5,758
Assets per employee ($millions)	3.8804%	4,241
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	0.9340%	6,460
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,966
Noncurrent loans to loans	0.0000%	6,812
Net loans and leases to total assets	32.7998%	6,789
Net loans and leases to deposits	44.3580%	6,536
Net loans and leases to core deposits	47.9610%	6,460
Total domestic deposits to total assets	73.9434%	6,751
Equity capital to assets	25.7674%	90
Core capital (leverage) ratio	23.3049%	112
Tier 1 risk-based capital ratio	60.3216%	95
Total risk-based capital ratio	61.1003%	94
Memoranda:
Average total assets	$35,736,000	6,804
Average earning assets	$29,730,500	6,861
Average equity	$8,953,000	5,295
Average total loans	$11,784,000	6,993
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6480%	4,462
Cost of funding earning assets	1.3112%	1,426
Net interest margin	3.3368%	5,699
Noninterest income to average assets	2.3124%	302
Noninterest expense to average assets	3.0923%	3,224
Loan and lease loss provision to assets	0.0000%	6,496
Net operating income to assets	1.9846%	320
Return on assets (ROA)	1.9846%	339
Pretax return on assets	2.0544%	476
Return on Equity (ROE)	7.7468%	3,033
Retained earnings to average equity (ytd only)	7.7468%	1,174
Net charge-offs to loans	0.0174%	6,197
Credit loss provision to net charge-offs	0.0000%	6,066
Earnings coverage of net charge-offs (x)	338.5000%	105
Efficiency ratio	60.0825%	5,744
Assets per employee ($millions)	3.6548%	4,647
Cash dividends to net income (ytd only)*	0.0000%	4,078
Condition Ratios (%)
Loss allowance to loans	0.8830%	6,575
Loan loss allowance to noncurrent loans	230.4348%	1,442
Noncurrent assets plus other real estate owned to assets	0.1259%	6,636
Noncurrent loans to loans	0.3832%	5,946
Net loans and leases to total assets	32.5572%	6,929
Net loans and leases to deposits	43.2062%	6,749
Net loans and leases to core deposits	46.4678%	6,717
Total domestic deposits to total assets	75.3530%	6,555
Equity capital to assets	24.3707%	111
Core capital (leverage) ratio	24.2557%	109
Tier 1 risk-based capital ratio	55.2366%	113
Total risk-based capital ratio	55.9509%	114
Memoranda:
Average total assets	$32,953,200	6,893
Average earning assets	$27,990,600	6,922
Average equity	$8,442,200	5,423
Average total loans	$11,516,800	7,057
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7394%	4,285
Cost of funding earning assets	1.3192%	1,598
Net interest margin	3.4202%	5,507
Noninterest income to average assets	2.7453%	239
Noninterest expense to average assets	3.1404%	3,025
Loan and lease loss provision to assets	0.0000%	6,393
Net operating income to assets	2.5206%	151
Return on assets (ROA)	2.5206%	156
Pretax return on assets	2.5706%	216
Return on Equity (ROE)	9.7043%	2,308
Retained earnings to average equity (ytd only)	9.7043%	925
Net charge-offs to loans	0.0234%	5,821
Credit loss provision to net charge-offs	0.0000%	5,735
Earnings coverage of net charge-offs (x)	308.6067%	122
Efficiency ratio	54.9891%	6,387
Assets per employee ($millions)	3.6642%	4,609
Cash dividends to net income (ytd only)*	0.0000%	3,512
Condition Ratios (%)
Loss allowance to loans	0.9547%	6,438
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,097
Noncurrent loans to loans	0.0000%	6,971
Net loans and leases to total assets	33.6618%	6,972
Net loans and leases to deposits	46.2253%	6,731
Net loans and leases to core deposits	50.2558%	6,658
Total domestic deposits to total assets	72.8213%	6,870
Equity capital to assets	26.8634%	95
Core capital (leverage) ratio	24.5061%	118
Tier 1 risk-based capital ratio	60.1757%	110
Total risk-based capital ratio	60.9659%	111
Memoranda:
Average total assets	$32,054,500	6,983
Average earning assets	$27,794,750	7,000
Average equity	$8,326,000	5,506
Average total loans	$11,394,750	7,132
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7709%	4,208
Cost of funding earning assets	1.3156%	1,848
Net interest margin	3.4553%	5,342
Noninterest income to average assets	3.2444%	204
Noninterest expense to average assets	3.1940%	2,920
Loan and lease loss provision to assets	0.0000%	6,217
Net operating income to assets	3.0113%	103
Return on assets (ROA)	3.0113%	105
Pretax return on assets	3.0617%	138
Return on Equity (ROE)	11.7325%	1,571
Retained earnings to average equity (ytd only)	11.7325%	559
Net charge-offs to loans	0.0524%	5,128
Credit loss provision to net charge-offs	0.0000%	5,336
Earnings coverage of net charge-offs (x)	162.0000%	220
Efficiency ratio	51.0574%	6,868
Assets per employee ($millions)	3.5297%	4,860
Cash dividends to net income (ytd only)*	0.0000%	3,290
Condition Ratios (%)
Loss allowance to loans	0.8876%	6,691
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,147
Noncurrent loans to loans	0.0000%	7,026
Net loans and leases to total assets	37.2588%	6,900
Net loans and leases to deposits	51.1252%	6,524
Net loans and leases to core deposits	55.7434%	6,432
Total domestic deposits to total assets	72.8775%	6,938
Equity capital to assets	26.8392%	105
Core capital (leverage) ratio	24.6876%	117
Tier 1 risk-based capital ratio	57.5436%	117
Total risk-based capital ratio	58.3040%	118
Memoranda:
Average total assets	$31,746,670	7,053
Average earning assets	$27,667,670	7,067
Average equity	$8,148,330	5,562
Average total loans	$11,457,000	7,202
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8310%	3,909
Cost of funding earning assets	1.3550%	1,853
Net interest margin	3.4760%	5,116
Noninterest income to average assets	3.0249%	218
Noninterest expense to average assets	2.9871%	3,697
Loan and lease loss provision to assets	0.0000%	5,840
Net operating income to assets	2.9871%	112
Return on assets (ROA)	2.9871%	115
Pretax return on assets	3.0123%	145
Return on Equity (ROE)	11.9103%	1,487
Retained earnings to average equity (ytd only)	11.9103%	750
Net charge-offs to loans	-0.0357%	6,765
Credit loss provision to net charge-offs	0.0000%	4,480
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	49.7899%	7,002
Assets per employee ($millions)	3.4794%	5,036
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	0.9878%	6,443
Loan loss allowance to noncurrent loans	1,557.1429%	268
Noncurrent assets plus other real estate owned to assets	0.0224%	7,119
Noncurrent loans to loans	0.0634%	6,888
Net loans and leases to total assets	34.8906%	7,053
Net loans and leases to deposits	47.1477%	6,788
Net loans and leases to core deposits	51.3826%	6,708
Total domestic deposits to total assets	74.0029%	6,899
Equity capital to assets	25.7225%	110
Core capital (leverage) ratio	24.5526%	114
Tier 1 risk-based capital ratio	61.5379%	101
Total risk-based capital ratio	62.4001%	100
Memoranda:
Average total assets	$31,736,500	7,102
Average earning assets	$27,158,000	7,128
Average equity	$7,959,500	5,618
Average total loans	$11,214,500	7,261
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8332%	5,300
Cost of funding earning assets	1.5931%	2,108
Net interest margin	3.2401%	6,167
Noninterest income to average assets	0.9985%	1,506
Noninterest expense to average assets	3.0775%	3,557
Loan and lease loss provision to assets	0.0000%	7,042
Net operating income to assets	0.7229%	3,136
Return on assets (ROA)	0.8725%	2,634
Pretax return on assets	0.9166%	3,215
Return on Equity (ROE)	3.5295%	4,737
Retained earnings to average equity (ytd only)	3.5295%	3,386
Net charge-offs to loans	-0.0188%	7,364
Credit loss provision to net charge-offs	0.0000%	6,628
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	80.2135%	2,387
Assets per employee ($millions)	3.5731%	4,770
Cash dividends to net income (ytd only)*	0.0000%	3,950
Condition Ratios (%)
Loss allowance to loans	0.9479%	6,582
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,281
Noncurrent loans to loans	0.0000%	7,175
Net loans and leases to total assets	35.0955%	7,196
Net loans and leases to deposits	46.5979%	7,017
Net loans and leases to core deposits	51.0263%	6,941
Total domestic deposits to total assets	75.3156%	6,728
Equity capital to assets	24.4543%	129
Core capital (leverage) ratio	23.9436%	138
Tier 1 risk-based capital ratio	53.3926%	133
Total risk-based capital ratio	54.1543%	135
Memoranda:
Average total assets	$31,746,200	7,153
Average earning assets	$27,807,600	7,165
Average equity	$7,848,200	5,764
Average total loans	$10,663,800	7,365
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8335%	5,531
Cost of funding earning assets	1.6318%	2,201
Net interest margin	3.2017%	6,336
Noninterest income to average assets	0.8259%	2,098
Noninterest expense to average assets	3.1222%	3,230
Loan and lease loss provision to assets	0.0000%	6,977
Net operating income to assets	0.5035%	4,298
Return on assets (ROA)	0.6995%	3,573
Pretax return on assets	0.7500%	4,080
Return on Equity (ROE)	2.8216%	5,296
Retained earnings to average equity (ytd only)	2.8216%	4,451
Net charge-offs to loans	-0.0255%	7,383
Credit loss provision to net charge-offs	0.0000%	6,367
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	85.2704%	1,706
Assets per employee ($millions)	3.5014%	4,977
Cash dividends to net income (ytd only)*	0.0000%	3,526
Condition Ratios (%)
Loss allowance to loans	0.9986%	6,400
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,384
Noncurrent loans to loans	0.0000%	7,276
Net loans and leases to total assets	33.9765%	7,344
Net loans and leases to deposits	45.9016%	7,178
Net loans and leases to core deposits	55.6699%	6,876
Total domestic deposits to total assets	74.0202%	6,920
Equity capital to assets	25.6434%	129
Core capital (leverage) ratio	22.9040%	154
Tier 1 risk-based capital ratio	56.5729%	123
Total risk-based capital ratio	57.3921%	123
Memoranda:
Average total assets	$31,643,250	7,235
Average earning assets	$28,025,750	7,247
Average equity	$7,844,250	5,846
Average total loans	$10,481,250	7,466
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8475%	5,615
Cost of funding earning assets	1.6489%	2,396
Net interest margin	3.1986%	6,325
Noninterest income to average assets	0.6059%	3,295
Noninterest expense to average assets	3.1307%	3,182
Loan and lease loss provision to assets	0.0000%	6,857
Net operating income to assets	0.3124%	5,130
Return on assets (ROA)	0.6122%	3,961
Pretax return on assets	0.6438%	4,422
Return on Equity (ROE)	2.4983%	5,466
Retained earnings to average equity (ytd only)	2.4983%	4,567
Net charge-offs to loans	-0.0193%	7,278
Credit loss provision to net charge-offs	0.0000%	6,004
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	90.5109%	1,297
Assets per employee ($millions)	3.1065%	5,903
Cash dividends to net income (ytd only)*	0.0000%	3,319
Condition Ratios (%)
Loss allowance to loans	1.0114%	6,349
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,438
Noncurrent loans to loans	0.0000%	7,347
Net loans and leases to total assets	33.7100%	7,430
Net loans and leases to deposits	45.3667%	7,277
Net loans and leases to core deposits	55.1158%	6,986
Total domestic deposits to total assets	74.3055%	6,942
Equity capital to assets	25.3855%	132
Core capital (leverage) ratio	22.7211%	159
Tier 1 risk-based capital ratio	57.1782%	123
Total risk-based capital ratio	58.0063%	121
Memoranda:
Average total assets	$31,686,670	7,291
Average earning assets	$28,262,000	7,283
Average equity	$7,765,330	5,880
Average total loans	$10,370,000	7,534
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7697%	6,000
Cost of funding earning assets	1.6127%	2,881
Net interest margin	3.1570%	6,429
Noninterest income to average assets	0.3625%	5,239
Noninterest expense to average assets	3.0502%	3,477
Loan and lease loss provision to assets	0.0000%	6,552
Net operating income to assets	0.1875%	5,726
Return on assets (ROA)	0.1875%	5,853
Pretax return on assets	0.2000%	5,877
Return on Equity (ROE)	0.7787%	6,182
Retained earnings to average equity (ytd only)	0.7787%	5,510
Net charge-offs to loans	-0.0390%	7,276
Credit loss provision to net charge-offs	0.0000%	5,126
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	93.8462%	1,142
Assets per employee ($millions)	3.2059%	5,755
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	1.0430%	6,268
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,514
Noncurrent loans to loans	0.0000%	7,426
Net loans and leases to total assets	31.6666%	7,576
Net loans and leases to deposits	41.9227%	7,462
Net loans and leases to core deposits	50.1061%	7,279
Total domestic deposits to total assets	75.5357%	6,827
Equity capital to assets	24.1399%	161
Core capital (leverage) ratio	22.5285%	175
Tier 1 risk-based capital ratio	56.5130%	123
Total risk-based capital ratio	57.3407%	122
Memoranda:
Average total assets	$31,997,500	7,382
Average earning assets	$29,268,000	7,346
Average equity	$7,705,000	5,942
Average total loans	$10,265,500	7,639
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2092%	5,612
Cost of funding earning assets	1.9431%	3,245
Net interest margin	3.2661%	5,869
Noninterest income to average assets	1.7335%	483
Noninterest expense to average assets	3.4328%	2,579
Loan and lease loss provision to assets	0.0000%	7,427
Net operating income to assets	1.0989%	1,512
Return on assets (ROA)	1.2178%	1,254
Pretax return on assets	1.3638%	1,520
Return on Equity (ROE)	5.1538%	3,601
Retained earnings to average equity (ytd only)	5.1538%	1,737
Net charge-offs to loans	0.0453%	6,651
Credit loss provision to net charge-offs	0.0000%	7,003
Earnings coverage of net charge-offs (x)	79.2000%	345
Efficiency ratio	73.6176%	3,972
Assets per employee ($millions)	3.1936%	5,737
Cash dividends to net income (ytd only)*	0.0000%	4,015
Condition Ratios (%)
Loss allowance to loans	1.0319%	6,204
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,553
Noncurrent loans to loans	0.0000%	7,460
Net loans and leases to total assets	31.8324%	7,665
Net loans and leases to deposits	42.0621%	7,568
Net loans and leases to core deposits	63.1389%	7,143
Total domestic deposits to total assets	75.6795%	6,743
Equity capital to assets	24.0199%	184
Core capital (leverage) ratio	22.1238%	206
Tier 1 risk-based capital ratio	55.0963%	130
Total risk-based capital ratio	55.8972%	129
Memoranda:
Average total assets	$32,189,000	7,395
Average earning assets	$28,872,000	7,397
Average equity	$7,606,000	6,049
Average total loans	$11,037,400	7,656
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3698%	5,095
Cost of funding earning assets	1.9940%	3,384
Net interest margin	3.3758%	5,361
Noninterest income to average assets	1.9554%	387
Noninterest expense to average assets	3.4973%	2,287
Loan and lease loss provision to assets	0.0000%	7,284
Net operating income to assets	1.2624%	1,312
Return on assets (ROA)	1.3229%	1,238
Pretax return on assets	1.5378%	1,307
Return on Equity (ROE)	5.6215%	3,685
Retained earnings to average equity (ytd only)	5.6215%	2,147
Net charge-offs to loans	0.0475%	6,250
Credit loss provision to net charge-offs	0.0000%	6,657
Earnings coverage of net charge-offs (x)	88.8030%	397
Efficiency ratio	70.4413%	4,501
Assets per employee ($millions)	3.1631%	5,746
Cash dividends to net income (ytd only)*	0.0000%	3,688
Condition Ratios (%)
Loss allowance to loans	1.0245%	6,134
Loan loss allowance to noncurrent loans	175.4098%	1,670
Noncurrent assets plus other real estate owned to assets	0.1928%	7,049
Noncurrent loans to loans	0.5841%	6,146
Net loans and leases to total assets	32.6800%	7,726
Net loans and leases to deposits	43.5205%	7,636
Net loans and leases to core deposits	66.2756%	7,148
Total domestic deposits to total assets	75.0909%	6,758
Equity capital to assets	24.5108%	182
Core capital (leverage) ratio	22.3370%	226
Tier 1 risk-based capital ratio	53.6603%	146
Total risk-based capital ratio	54.4556%	150
Memoranda:
Average total assets	$32,252,250	7,455
Average earning assets	$28,752,750	7,471
Average equity	$7,589,750	6,118
Average total loans	$11,228,750	7,721
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5446%	4,362
Cost of funding earning assets	1.9980%	3,786
Net interest margin	3.5466%	4,589
Noninterest income to average assets	2.4646%	271
Noninterest expense to average assets	3.5429%	2,215
Loan and lease loss provision to assets	0.0000%	7,158
Net operating income to assets	1.7869%	478
Return on assets (ROA)	1.7869%	516
Pretax return on assets	2.0826%	456
Return on Equity (ROE)	7.6971%	2,891
Retained earnings to average equity (ytd only)	7.6971%	1,319
Net charge-offs to loans	0.0696%	5,538
Credit loss provision to net charge-offs	0.0000%	6,237
Earnings coverage of net charge-offs (x)	84.5000%	456
Efficiency ratio	62.9792%	6,087
Assets per employee ($millions)	3.0730%	5,937
Cash dividends to net income (ytd only)*	0.0000%	3,532
Condition Ratios (%)
Loss allowance to loans	1.0050%	6,200
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,675
Noncurrent loans to loans	0.0000%	7,580
Net loans and leases to total assets	34.2987%	7,763
Net loans and leases to deposits	45.8460%	7,641
Net loans and leases to core deposits	70.7430%	6,984
Total domestic deposits to total assets	74.8129%	6,797
Equity capital to assets	24.7803%	205
Core capital (leverage) ratio	21.3465%	299
Tier 1 risk-based capital ratio	54.5641%	150
Total risk-based capital ratio	55.3760%	153
Memoranda:
Average total assets	$32,459,330	7,510
Average earning assets	$28,929,000	7,530
Average equity	$7,535,330	6,170
Average total loans	$11,490,330	7,782
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6292%	4,183
Cost of funding earning assets	1.9844%	4,206
Net interest margin	3.6448%	4,122
Noninterest income to average assets	2.5567%	246
Noninterest expense to average assets	3.7210%	1,612
Loan and lease loss provision to assets	0.0000%	6,744
Net operating income to assets	1.6205%	760
Return on assets (ROA)	1.6205%	836
Pretax return on assets	2.0766%	566
Return on Equity (ROE)	7.2043%	3,500
Retained earnings to average equity (ytd only)	7.2043%	2,129
Net charge-offs to loans	0.0000%	5,728
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	64.1822%	5,655
Assets per employee ($millions)	3.0169%	6,108
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	1.0770%	5,633
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,674
Noncurrent loans to loans	0.0000%	7,590
Net loans and leases to total assets	33.7930%	7,810
Net loans and leases to deposits	45.3999%	7,683
Net loans and leases to core deposits	69.6999%	7,039
Total domestic deposits to total assets	74.4340%	6,811
Equity capital to assets	25.1351%	222
Core capital (leverage) ratio	20.6649%	366
Tier 1 risk-based capital ratio	54.6316%	165
Total risk-based capital ratio	55.4934%	166
Memoranda:
Average total assets	$33,324,000	7,518
Average earning assets	$29,631,000	7,538
Average equity	$7,495,500	6,218
Average total loans	$11,912,000	7,806
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3787%	7,492
Cost of funding earning assets	2.4059%	4,702
Net interest margin	2.9729%	6,977
Noninterest income to average assets	3.7335%	158
Noninterest expense to average assets	4.0162%	1,395
Loan and lease loss provision to assets	0.1443%	5,510
Net operating income to assets	2.2043%	236
Return on assets (ROA)	2.6140%	106
Pretax return on assets	2.7208%	134
Return on Equity (ROE)	13.2802%	1,263
Retained earnings to average equity (ytd only)	13.2802%	150
Net charge-offs to loans	0.0814%	5,602
Credit loss provision to net charge-offs	416.6667%	1,048
Earnings coverage of net charge-offs (x)	70.9167%	574
Efficiency ratio	62.0597%	5,942
Assets per employee ($millions)	3.0399%	5,957
Cash dividends to net income (ytd only)*	0.0000%	4,825
Condition Ratios (%)
Loss allowance to loans	0.8211%	7,025
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,674
Noncurrent loans to loans	0.0000%	7,569
Net loans and leases to total assets	36.7527%	7,806
Net loans and leases to deposits	46.3013%	7,773
Net loans and leases to core deposits	64.8088%	7,410
Total domestic deposits to total assets	79.3772%	5,245
Equity capital to assets	20.3076%	447
Core capital (leverage) ratio	21.2495%	359
Tier 1 risk-based capital ratio	39.9248%	341
Total risk-based capital ratio	40.5670%	346
Memoranda:
Average total assets	$34,659,400	7,436
Average earning assets	$31,922,000	7,410
Average equity	$6,822,200	6,516
Average total loans	$14,749,200	7,664