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The First National Bank of Nevada, Missouri, Performance and Condition Ratios

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2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8188%	4,161
Cost of funding earning assets	0.8893%	3,539
Net interest margin	2.9295%	3,429
Noninterest income to average assets	0.3000%	3,118
Noninterest expense to average assets	2.1565%	3,239
Loan and lease loss provision to assets	-0.1100%	4,523
Net operating income to assets	0.7851%	2,913
Return on assets (ROA)	0.7299%	3,090
Pretax return on assets	0.8924%	2,983
Return on Equity (ROE)	6.6700%	3,373
Retained earnings to average equity (ytd only)	6.6726%	2,001
Net charge-offs to loans	0.0341%	1,622
Credit loss provision to net charge-offs	-833.3333%	4,557
Earnings coverage of net charge-offs (x)	62.9333%	1,161
Efficiency ratio	71.7872%	1,677
Assets per employee ($millions)	9.2368%	907
Cash dividends to net income (ytd only)*	0.0000%	3,404
Condition Ratios (%)
Loss allowance to loans	2.0154%	363
Loan loss allowance to noncurrent loans	171.4851%	2,682
Noncurrent assets plus other real estate owned to assets	0.4556%	1,220
Noncurrent loans to loans	1.1753%	613
Net loans and leases to total assets	37.9800%	4,096
Net loans and leases to deposits	43.5034%	4,112
Net loans and leases to core deposits	46.2335%	4,154
Total domestic deposits to total assets	87.3100%	1,584
Equity capital to assets	12.0604%	1,108
Core capital (leverage) ratio	15.8785%	502
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	23.9606%	428
Memoranda:
Average total assets	$111,385,800	3,732
Average earning assets	$102,886,200	3,714
Average equity	$12,184,200	3,505
Average total loans	$43,970,800	3,934
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7645%	4,145
Cost of funding earning assets	0.7903%	3,549
Net interest margin	2.9742%	3,391
Noninterest income to average assets	0.3100%	3,041
Noninterest expense to average assets	2.1245%	3,284
Loan and lease loss provision to assets	-0.1500%	4,571
Net operating income to assets	0.8666%	2,810
Return on assets (ROA)	0.8249%	2,932
Pretax return on assets	1.0210%	2,794
Return on Equity (ROE)	7.7400%	3,254
Retained earnings to average equity (ytd only)	7.7385%	2,060
Net charge-offs to loans	0.0452%	1,243
Credit loss provision to net charge-offs	-833.3333%	4,593
Earnings coverage of net charge-offs (x)	51.4667%	1,300
Efficiency ratio	69.7136%	1,819
Assets per employee ($millions)	9.0500%	912
Cash dividends to net income (ytd only)*	0.0000%	3,002
Condition Ratios (%)
Loss allowance to loans	1.9575%	422
Loan loss allowance to noncurrent loans	984.0909%	881
Noncurrent assets plus other real estate owned to assets	0.0810%	3,050
Noncurrent loans to loans	0.1989%	2,560
Net loans and leases to total assets	39.9400%	4,059
Net loans and leases to deposits	44.9687%	4,078
Net loans and leases to core deposits	47.5921%	4,092
Total domestic deposits to total assets	88.8200%	1,313
Equity capital to assets	10.4134%	1,594
Core capital (leverage) ratio	15.7088%	535
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	23.0526%	486
Memoranda:
Average total assets	$111,521,750	3,741
Average earning assets	$102,746,500	3,729
Average equity	$11,888,250	3,531
Average total loans	$44,221,250	3,939
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7080%	4,137
Cost of funding earning assets	0.6914%	3,510
Net interest margin	3.0166%	3,388
Noninterest income to average assets	0.3100%	3,022
Noninterest expense to average assets	2.0339%	3,509
Loan and lease loss provision to assets	-0.2200%	4,617
Net operating income to assets	1.0212%	2,353
Return on assets (ROA)	0.9600%	2,537
Pretax return on assets	1.2000%	2,358
Return on Equity (ROE)	8.9400%	3,000
Retained earnings to average equity (ytd only)	8.9394%	1,700
Net charge-offs to loans	0.0679%	878
Credit loss provision to net charge-offs	-833.3333%	4,613
Earnings coverage of net charge-offs (x)	39.5333%	1,408
Efficiency ratio	65.8607%	2,257
Assets per employee ($millions)	9.3543%	816
Cash dividends to net income (ytd only)*	0.0000%	2,909
Condition Ratios (%)
Loss allowance to loans	1.9669%	442
Loan loss allowance to noncurrent loans	973.0337%	974
Noncurrent assets plus other real estate owned to assets	0.0793%	2,976
Noncurrent loans to loans	0.2021%	2,458
Net loans and leases to total assets	38.4500%	4,095
Net loans and leases to deposits	43.5478%	4,120
Net loans and leases to core deposits	45.8093%	4,134
Total domestic deposits to total assets	88.3000%	1,495
Equity capital to assets	11.0262%	1,379
Core capital (leverage) ratio	15.3392%	545
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	23.0451%	481
Memoranda:
Average total assets	$112,495,667	3,743
Average earning assets	$103,560,333	3,741
Average equity	$12,081,333	3,527
Average total loans	$44,214,667	3,951
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5902%	4,165
Cost of funding earning assets	0.6245%	3,307
Net interest margin	2.9656%	3,666
Noninterest income to average assets	0.3300%	2,854
Noninterest expense to average assets	2.0814%	3,425
Loan and lease loss provision to assets	-0.1800%	4,618
Net operating income to assets	0.9792%	2,597
Return on assets (ROA)	0.8524%	2,965
Pretax return on assets	1.0229%	2,927
Return on Equity (ROE)	8.0400%	3,279
Retained earnings to average equity (ytd only)	8.0446%	2,204
Net charge-offs to loans	0.0000%	2,062
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	67.5894%	2,025
Assets per employee ($millions)	8.1456%	1,269
Cash dividends to net income (ytd only)*	0.0000%	2,306
Condition Ratios (%)
Loss allowance to loans	2.1549%	342
Loan loss allowance to noncurrent loans	735.3846%	1,244
Noncurrent assets plus other real estate owned to assets	0.1140%	2,724
Noncurrent loans to loans	0.2930%	2,091
Net loans and leases to total assets	38.0600%	4,114
Net loans and leases to deposits	42.9081%	4,134
Net loans and leases to core deposits	45.0244%	4,143
Total domestic deposits to total assets	88.7100%	1,654
Equity capital to assets	10.8831%	1,385
Core capital (leverage) ratio	14.9665%	580
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.5511%	530
Memoranda:
Average total assets	$112,618,000	3,797
Average earning assets	$104,395,500	3,782
Average equity	$11,933,500	3,578
Average total loans	$44,308,000	3,993
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0683%	4,050
Cost of funding earning assets	0.1938%	3,809
Net interest margin	2.8745%	3,742
Noninterest income to average assets	0.2700%	3,524
Noninterest expense to average assets	2.1445%	3,176
Loan and lease loss provision to assets	-0.1500%	4,601
Net operating income to assets	0.7827%	3,388
Return on assets (ROA)	0.6373%	3,738
Pretax return on assets	0.7739%	3,685
Return on Equity (ROE)	6.0800%	3,810
Retained earnings to average equity (ytd only)	5.8786%	2,686
Net charge-offs to loans	0.0000%	2,620
Credit loss provision to net charge-offs	0.0000%	1,979
Earnings coverage of net charge-offs (x)	0.0000%	2,564
Efficiency ratio	72.7273%	1,359
Assets per employee ($millions)	6.5410%	2,306
Cash dividends to net income (ytd only)*	3.2564%	3,412
Condition Ratios (%)
Loss allowance to loans	2.2733%	276
Loan loss allowance to noncurrent loans	229.6804%	2,494
Noncurrent assets plus other real estate owned to assets	0.3939%	1,295
Noncurrent loans to loans	0.9898%	740
Net loans and leases to total assets	38.8900%	4,105
Net loans and leases to deposits	43.5855%	4,130
Net loans and leases to core deposits	45.8790%	4,123
Total domestic deposits to total assets	89.2300%	1,656
Equity capital to assets	10.3024%	1,553
Core capital (leverage) ratio	14.9226%	580
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.0818%	542
Memoranda:
Average total assets	$115,643,000	3,767
Average earning assets	$107,844,000	3,750
Average equity	$12,128,800	3,659
Average total loans	$42,936,800	4,013
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9917%	3,900
Cost of funding earning assets	0.1480%	3,863
Net interest margin	2.8437%	3,643
Noninterest income to average assets	0.2600%	3,611
Noninterest expense to average assets	2.1412%	3,098
Loan and lease loss provision to assets	-0.0200%	4,406
Net operating income to assets	0.6601%	3,666
Return on assets (ROA)	0.6292%	3,705
Pretax return on assets	0.7628%	3,666
Return on Equity (ROE)	5.9700%	3,807
Retained earnings to average equity (ytd only)	5.7140%	2,852
Net charge-offs to loans	0.0000%	2,349
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	0.0000%	2,297
Efficiency ratio	73.3568%	1,344
Assets per employee ($millions)	6.7964%	2,097
Cash dividends to net income (ytd only)*	4.3557%	2,994
Condition Ratios (%)
Loss allowance to loans	2.6292%	205
Loan loss allowance to noncurrent loans	259.1928%	2,370
Noncurrent assets plus other real estate owned to assets	0.3860%	1,405
Noncurrent loans to loans	1.0144%	752
Net loans and leases to total assets	37.0500%	4,183
Net loans and leases to deposits	40.7247%	4,212
Net loans and leases to core deposits	42.1854%	4,219
Total domestic deposits to total assets	90.9800%	1,250
Equity capital to assets	8.6360%	2,451
Core capital (leverage) ratio	13.9212%	697
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.3288%	536
Memoranda:
Average total assets	$116,754,500	3,783
Average earning assets	$109,010,250	3,763
Average equity	$12,297,000	3,684
Average total loans	$42,608,000	4,041
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.8802%	3,830
Cost of funding earning assets	0.1414%	3,692
Net interest margin	2.7388%	3,613
Noninterest income to average assets	0.2612%	3,610
Noninterest expense to average assets	2.1151%	3,110
Loan and lease loss provision to assets	0.0512%	1,661
Net operating income to assets	0.5552%	3,748
Return on assets (ROA)	0.5650%	3,666
Pretax return on assets	0.6862%	3,609
Return on Equity (ROE)	5.0650%	3,804
Retained earnings to average equity (ytd only)	4.6978%	2,816
Net charge-offs to loans	0.0000%	2,156
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	74.4591%	1,460
Assets per employee ($millions)	6.8984%	2,007
Cash dividends to net income (ytd only)*	7.2508%	2,820
Condition Ratios (%)
Loss allowance to loans	2.9034%	154
Loan loss allowance to noncurrent loans	553.2110%	1,436
Noncurrent assets plus other real estate owned to assets	0.1859%	2,428
Noncurrent loans to loans	0.5248%	1,574
Net loans and leases to total assets	34.3918%	4,315
Net loans and leases to deposits	38.2461%	4,325
Net loans and leases to core deposits	38.7614%	4,358
Total domestic deposits to total assets	89.9226%	1,741
Equity capital to assets	9.7551%	1,847
Core capital (leverage) ratio	13.4786%	713
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.5387%	580
Memoranda:
Average total assets	$117,159,667	3,822
Average earning assets	$110,338,667	3,804
Average equity	$13,070,000	3,676
Average total loans	$42,155,000	4,104
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.6597%	4,010
Cost of funding earning assets	0.1407%	3,620
Net interest margin	2.5189%	3,867
Noninterest income to average assets	0.2596%	3,581
Noninterest expense to average assets	2.1314%	3,043
Loan and lease loss provision to assets	0.0786%	1,046
Net operating income to assets	0.3523%	4,051
Return on assets (ROA)	0.3689%	3,985
Pretax return on assets	0.4543%	3,945
Return on Equity (ROE)	3.1113%	4,066
Retained earnings to average equity (ytd only)	2.4199%	3,430
Net charge-offs to loans	0.0000%	1,838
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	80.6202%	1,097
Assets per employee ($millions)	6.9658%	2,016
Cash dividends to net income (ytd only)*	22.2222%	1,933
Condition Ratios (%)
Loss allowance to loans	2.8739%	176
Loan loss allowance to noncurrent loans	118.3613%	3,205
Noncurrent assets plus other real estate owned to assets	0.8554%	630
Noncurrent loans to loans	2.4280%	256
Net loans and leases to total assets	34.2195%	4,297
Net loans and leases to deposits	38.4284%	4,310
Net loans and leases to core deposits	38.9462%	4,341
Total domestic deposits to total assets	89.0473%	2,058
Equity capital to assets	10.6943%	1,493
Core capital (leverage) ratio	13.2327%	722
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	25.2055%	372
Memoranda:
Average total assets	$117,103,500	3,844
Average earning assets	$110,841,000	3,809
Average equity	$13,885,000	3,669
Average total loans	$42,463,500	4,114
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9645%	3,934
Cost of funding earning assets	0.1851%	3,599
Net interest margin	2.7794%	3,713
Noninterest income to average assets	0.2672%	3,786
Noninterest expense to average assets	2.2993%	2,797
Loan and lease loss provision to assets	0.0783%	1,556
Net operating income to assets	0.4261%	4,231
Return on assets (ROA)	0.5674%	3,987
Pretax return on assets	0.7067%	3,917
Return on Equity (ROE)	4.2329%	4,168
Retained earnings to average equity (ytd only)	-4.8562%	4,708
Net charge-offs to loans	0.0022%	2,553
Credit loss provision to net charge-offs	9,000.0000%	73
Earnings coverage of net charge-offs (x)	699.0000%	209
Efficiency ratio	79.0781%	866
Assets per employee ($millions)	6.8111%	2,058
Cash dividends to net income (ytd only)*	214.7239%	32
Condition Ratios (%)
Loss allowance to loans	2.7218%	207
Loan loss allowance to noncurrent loans	118.7879%	3,225
Noncurrent assets plus other real estate owned to assets	0.8550%	686
Noncurrent loans to loans	2.2913%	312
Net loans and leases to total assets	36.2988%	4,271
Net loans and leases to deposits	41.8384%	4,280
Net loans and leases to core deposits	42.4455%	4,329
Total domestic deposits to total assets	86.7595%	2,592
Equity capital to assets	13.0461%	883
Core capital (leverage) ratio	13.1914%	754
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	25.0483%	396
Memoranda:
Average total assets	$114,902,200	3,853
Average earning assets	$109,159,000	3,821
Average equity	$15,403,000	3,593
Average total loans	$45,869,600	4,073
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0248%	3,956
Cost of funding earning assets	0.1988%	3,615
Net interest margin	2.8260%	3,716
Noninterest income to average assets	0.2569%	3,857
Noninterest expense to average assets	2.2439%	2,912
Loan and lease loss provision to assets	0.0794%	1,490
Net operating income to assets	0.4677%	4,259
Return on assets (ROA)	0.6441%	3,970
Pretax return on assets	0.8348%	3,829
Return on Equity (ROE)	4.7725%	4,171
Retained earnings to average equity (ytd only)	-7.2879%	4,822
Net charge-offs to loans	0.0029%	2,254
Credit loss provision to net charge-offs	6,800.0000%	117
Earnings coverage of net charge-offs (x)	594.0000%	255
Efficiency ratio	76.4659%	1,006
Assets per employee ($millions)	6.8474%	1,986
Cash dividends to net income (ytd only)*	252.7076%	22
Condition Ratios (%)
Loss allowance to loans	2.5781%	256
Loan loss allowance to noncurrent loans	113.4710%	3,261
Noncurrent assets plus other real estate owned to assets	0.8737%	795
Noncurrent loans to loans	2.2720%	359
Net loans and leases to total assets	37.4623%	4,323
Net loans and leases to deposits	43.3178%	4,334
Net loans and leases to core deposits	44.0578%	4,377
Total domestic deposits to total assets	86.4825%	2,564
Equity capital to assets	13.0673%	965
Core capital (leverage) ratio	12.9079%	867
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	24.1897%	473
Memoranda:
Average total assets	$114,680,500	3,901
Average earning assets	$108,656,250	3,868
Average equity	$15,477,250	3,631
Average total loans	$46,535,500	4,122
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2317%	3,608
Cost of funding earning assets	0.2250%	3,516
Net interest margin	3.0067%	3,304
Noninterest income to average assets	0.2542%	3,872
Noninterest expense to average assets	2.1874%	3,131
Loan and lease loss provision to assets	0.0789%	1,530
Net operating income to assets	0.4882%	4,243
Return on assets (ROA)	0.7291%	3,754
Pretax return on assets	1.1270%	3,122
Return on Equity (ROE)	5.3450%	4,070
Retained earnings to average equity (ytd only)	-12.6429%	4,889
Net charge-offs to loans	0.0000%	2,245
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.8286%	1,542
Assets per employee ($millions)	6.7499%	1,984
Cash dividends to net income (ytd only)*	336.5385%	25
Condition Ratios (%)
Loss allowance to loans	2.4505%	293
Loan loss allowance to noncurrent loans	108.2218%	3,268
Noncurrent assets plus other real estate owned to assets	0.9116%	848
Noncurrent loans to loans	2.2644%	390
Net loans and leases to total assets	39.2701%	4,319
Net loans and leases to deposits	45.5241%	4,326
Net loans and leases to core deposits	46.6355%	4,376
Total domestic deposits to total assets	86.2622%	2,644
Equity capital to assets	13.2149%	887
Core capital (leverage) ratio	12.9375%	815
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	23.6616%	502
Memoranda:
Average total assets	$114,105,667	3,924
Average earning assets	$107,559,000	3,899
Average equity	$15,566,000	3,626
Average total loans	$47,126,667	4,131
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5395%	2,809
Cost of funding earning assets	0.2743%	3,230
Net interest margin	3.2652%	2,496
Noninterest income to average assets	0.2566%	3,860
Noninterest expense to average assets	2.1725%	3,192
Loan and lease loss provision to assets	0.0809%	1,601
Net operating income to assets	0.7721%	3,505
Return on assets (ROA)	1.2831%	1,949
Pretax return on assets	1.7050%	1,476
Return on Equity (ROE)	9.2598%	2,940
Retained earnings to average equity (ytd only)	-26.2574%	4,937
Net charge-offs to loans	0.0000%	1,930
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	65.6051%	2,288
Assets per employee ($millions)	7.8240%	1,273
Cash dividends to net income (ytd only)*	383.5616%	31
Condition Ratios (%)
Loss allowance to loans	2.3195%	354
Loan loss allowance to noncurrent loans	105.2133%	3,275
Noncurrent assets plus other real estate owned to assets	0.8989%	962
Noncurrent loans to loans	2.2046%	455
Net loans and leases to total assets	39.8304%	4,357
Net loans and leases to deposits	45.9365%	4,356
Net loans and leases to core deposits	47.0257%	4,406
Total domestic deposits to total assets	86.7076%	2,441
Equity capital to assets	12.8374%	962
Core capital (leverage) ratio	13.3676%	764
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	23.2856%	495
Memoranda:
Average total assets	$113,784,000	3,930
Average earning assets	$106,457,000	3,917
Average equity	$15,767,000	3,612
Average total loans	$47,593,000	4,147
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6853%	3,614
Cost of funding earning assets	0.4581%	3,235
Net interest margin	3.2273%	3,280
Noninterest income to average assets	0.2687%	3,870
Noninterest expense to average assets	2.4969%	2,855
Loan and lease loss provision to assets	0.0870%	3,277
Net operating income to assets	0.5538%	3,893
Return on assets (ROA)	0.7569%	3,372
Pretax return on assets	0.9522%	3,215
Return on Equity (ROE)	4.8980%	3,932
Retained earnings to average equity (ytd only)	4.8980%	2,316
Net charge-offs to loans	0.0463%	2,140
Credit loss provision to net charge-offs	375.0000%	1,507
Earnings coverage of net charge-offs (x)	33.7083%	1,511
Efficiency ratio	76.1498%	1,207
Assets per employee ($millions)	7.3472%	1,366
Cash dividends to net income (ytd only)*	0.0000%	3,731
Condition Ratios (%)
Loss allowance to loans	2.3958%	299
Loan loss allowance to noncurrent loans	105.0000%	3,256
Noncurrent assets plus other real estate owned to assets	1.0362%	909
Noncurrent loans to loans	2.2818%	468
Net loans and leases to total assets	41.9189%	4,359
Net loans and leases to deposits	49.6113%	4,332
Net loans and leases to core deposits	50.6640%	4,397
Total domestic deposits to total assets	84.4948%	2,949
Equity capital to assets	14.9427%	583
Core capital (leverage) ratio	14.8130%	532
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	26.6937%	328
Memoranda:
Average total assets	$103,447,200	3,951
Average earning assets	$96,490,400	3,936
Average equity	$15,986,000	3,551
Average total loans	$51,871,200	4,069
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8892%	3,285
Cost of funding earning assets	0.4944%	3,261
Net interest margin	3.3948%	2,941
Noninterest income to average assets	0.2752%	3,827
Noninterest expense to average assets	2.5433%	2,712
Loan and lease loss provision to assets	0.0875%	3,215
Net operating income to assets	0.6389%	3,668
Return on assets (ROA)	0.9329%	2,718
Pretax return on assets	1.1740%	2,476
Return on Equity (ROE)	5.9835%	3,558
Retained earnings to average equity (ytd only)	5.9835%	2,112
Net charge-offs to loans	0.0327%	2,173
Credit loss provision to net charge-offs	523.0769%	1,253
Earnings coverage of net charge-offs (x)	52.2308%	1,169
Efficiency ratio	74.0840%	1,399
Assets per employee ($millions)	6.1871%	2,099
Cash dividends to net income (ytd only)*	0.0000%	3,332
Condition Ratios (%)
Loss allowance to loans	2.1689%	368
Loan loss allowance to noncurrent loans	94.6083%	3,343
Noncurrent assets plus other real estate owned to assets	1.1371%	913
Noncurrent loans to loans	2.2925%	489
Net loans and leases to total assets	48.1598%	4,206
Net loans and leases to deposits	57.6168%	4,182
Net loans and leases to core deposits	58.9128%	4,260
Total domestic deposits to total assets	83.5864%	2,956
Equity capital to assets	15.5532%	532
Core capital (leverage) ratio	15.3851%	479
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	26.8469%	338
Memoranda:
Average total assets	$101,757,000	3,969
Average earning assets	$94,651,750	3,958
Average equity	$15,865,500	3,566
Average total loans	$53,006,000	4,065
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8100%	3,839
Cost of funding earning assets	0.5184%	3,423
Net interest margin	3.2916%	3,407
Noninterest income to average assets	0.2803%	3,791
Noninterest expense to average assets	2.5582%	2,800
Loan and lease loss provision to assets	0.0894%	3,156
Net operating income to assets	0.6096%	3,707
Return on assets (ROA)	0.8687%	2,932
Pretax return on assets	1.0495%	2,873
Return on Equity (ROE)	5.5665%	3,645
Retained earnings to average equity (ytd only)	5.5665%	2,251
Net charge-offs to loans	0.0037%	2,845
Credit loss provision to net charge-offs	4,500.0000%	259
Earnings coverage of net charge-offs (x)	416.0000%	242
Efficiency ratio	75.5725%	1,302
Assets per employee ($millions)	6.0902%	2,101
Cash dividends to net income (ytd only)*	0.0000%	3,182
Condition Ratios (%)
Loss allowance to loans	2.0895%	382
Loan loss allowance to noncurrent loans	79.7704%	3,527
Noncurrent assets plus other real estate owned to assets	1.3464%	749
Noncurrent loans to loans	2.6194%	432
Net loans and leases to total assets	50.3289%	4,148
Net loans and leases to deposits	60.2052%	4,106
Net loans and leases to core deposits	61.5784%	4,188
Total domestic deposits to total assets	83.5956%	2,886
Equity capital to assets	15.5661%	534
Core capital (leverage) ratio	15.5680%	487
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	26.0680%	363
Memoranda:
Average total assets	$100,615,667	3,983
Average earning assets	$94,908,667	3,954
Average equity	$15,701,000	3,586
Average total loans	$53,415,333	4,069
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9505%	3,927
Cost of funding earning assets	0.5484%	3,703
Net interest margin	3.4020%	3,290
Noninterest income to average assets	0.3026%	3,699
Noninterest expense to average assets	2.6705%	2,780
Loan and lease loss provision to assets	0.0928%	2,521
Net operating income to assets	0.6172%	3,553
Return on assets (ROA)	0.7947%	3,017
Pretax return on assets	0.9561%	2,979
Return on Equity (ROE)	5.0860%	3,598
Retained earnings to average equity (ytd only)	5.0860%	2,235
Net charge-offs to loans	0.0075%	2,297
Credit loss provision to net charge-offs	2,300.0000%	313
Earnings coverage of net charge-offs (x)	207.0000%	337
Efficiency ratio	76.1795%	1,546
Assets per employee ($millions)	5.8738%	1,781
Cash dividends to net income (ytd only)*	0.0000%	2,581
Condition Ratios (%)
Loss allowance to loans	2.0702%	456
Loan loss allowance to noncurrent loans	81.7091%	3,534
Noncurrent assets plus other real estate owned to assets	1.3359%	862
Noncurrent loans to loans	2.5337%	470
Net loans and leases to total assets	51.6359%	4,142
Net loans and leases to deposits	61.6132%	4,123
Net loans and leases to core deposits	63.4581%	4,202
Total domestic deposits to total assets	83.8065%	2,851
Equity capital to assets	15.6757%	638
Core capital (leverage) ratio	15.7982%	547
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	26.6357%	369
Memoranda:
Average total assets	$99,157,000	4,006
Average earning assets	$93,356,000	3,976
Average equity	$15,493,500	3,612
Average total loans	$53,513,500	4,079
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0557%	4,133
Cost of funding earning assets	0.5521%	3,865
Net interest margin	3.5036%	3,437
Noninterest income to average assets	0.3241%	3,753
Noninterest expense to average assets	2.7978%	2,607
Loan and lease loss provision to assets	0.0926%	2,181
Net operating income to assets	0.5937%	4,179
Return on assets (ROA)	0.6287%	4,140
Pretax return on assets	0.7810%	4,012
Return on Equity (ROE)	4.1374%	4,431
Retained earnings to average equity (ytd only)	4.1374%	2,893
Net charge-offs to loans	0.0628%	2,201
Credit loss provision to net charge-offs	257.1429%	1,067
Earnings coverage of net charge-offs (x)	23.0571%	1,827
Efficiency ratio	77.1129%	1,252
Assets per employee ($millions)	5.4699%	2,089
Cash dividends to net income (ytd only)*	0.0000%	3,913
Condition Ratios (%)
Loss allowance to loans	1.9641%	480
Loan loss allowance to noncurrent loans	54.5176%	4,023
Noncurrent assets plus other real estate owned to assets	2.0404%	377
Noncurrent loans to loans	3.6027%	225
Net loans and leases to total assets	54.1423%	4,067
Net loans and leases to deposits	64.3521%	4,055
Net loans and leases to core deposits	68.4568%	4,055
Total domestic deposits to total assets	84.1345%	2,809
Equity capital to assets	15.5740%	677
Core capital (leverage) ratio	15.7162%	559
Tier 1 risk-based capital ratio	25.4303%	724
Total risk-based capital ratio	26.6860%	703
Memoranda:
Average total assets	$97,184,200	4,047
Average earning assets	$91,648,800	4,019
Average equity	$14,767,800	3,659
Average total loans	$55,726,800	4,059
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0120%	4,342
Cost of funding earning assets	0.5511%	3,922
Net interest margin	3.4609%	3,694
Noninterest income to average assets	0.3180%	3,846
Noninterest expense to average assets	2.7611%	2,682
Loan and lease loss provision to assets	0.0922%	2,067
Net operating income to assets	0.5772%	4,352
Return on assets (ROA)	0.6153%	4,303
Pretax return on assets	0.7805%	4,174
Return on Equity (ROE)	4.0748%	4,575
Retained earnings to average equity (ytd only)	4.0748%	3,362
Net charge-offs to loans	0.0761%	1,737
Credit loss provision to net charge-offs	209.3750%	1,260
Earnings coverage of net charge-offs (x)	18.7169%	2,039
Efficiency ratio	77.0058%	1,218
Assets per employee ($millions)	5.0225%	2,531
Cash dividends to net income (ytd only)*	0.0000%	3,563
Condition Ratios (%)
Loss allowance to loans	1.8531%	599
Loan loss allowance to noncurrent loans	58.0931%	4,039
Noncurrent assets plus other real estate owned to assets	1.9428%	462
Noncurrent loans to loans	3.1899%	290
Net loans and leases to total assets	58.1659%	3,870
Net loans and leases to deposits	69.6603%	3,787
Net loans and leases to core deposits	73.0064%	3,890
Total domestic deposits to total assets	83.4994%	2,992
Equity capital to assets	15.8812%	660
Core capital (leverage) ratio	15.7059%	604
Tier 1 risk-based capital ratio	25.1108%	763
Total risk-based capital ratio	26.3675%	750
Memoranda:
Average total assets	$96,865,500	4,093
Average earning assets	$91,456,750	4,068
Average equity	$14,626,250	3,703
Average total loans	$56,064,500	4,100
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9293%	4,513
Cost of funding earning assets	0.5460%	3,898
Net interest margin	3.3833%	3,945
Noninterest income to average assets	0.3082%	3,870
Noninterest expense to average assets	2.7613%	2,714
Loan and lease loss provision to assets	0.0925%	1,998
Net operating income to assets	0.4402%	4,656
Return on assets (ROA)	0.4499%	4,669
Pretax return on assets	0.6492%	4,447
Return on Equity (ROE)	3.0311%	4,788
Retained earnings to average equity (ytd only)	3.0311%	3,703
Net charge-offs to loans	0.1503%	1,039
Credit loss provision to net charge-offs	107.1429%	1,866
Earnings coverage of net charge-offs (x)	8.4524%	2,414
Efficiency ratio	79.1054%	1,050
Assets per employee ($millions)	5.4385%	2,012
Cash dividends to net income (ytd only)*	0.0000%	3,431
Condition Ratios (%)
Loss allowance to loans	1.8099%	669
Loan loss allowance to noncurrent loans	60.5483%	4,002
Noncurrent assets plus other real estate owned to assets	1.7652%	580
Noncurrent loans to loans	2.9892%	341
Net loans and leases to total assets	56.3054%	4,059
Net loans and leases to deposits	66.7131%	4,045
Net loans and leases to core deposits	71.3949%	4,040
Total domestic deposits to total assets	84.3993%	2,723
Equity capital to assets	15.1747%	771
Core capital (leverage) ratio	15.5319%	615
Tier 1 risk-based capital ratio	24.3763%	812
Total risk-based capital ratio	25.6311%	797
Memoranda:
Average total assets	$97,345,000	4,109
Average earning assets	$91,568,670	4,087
Average equity	$14,450,000	3,728
Average total loans	$55,901,330	4,126
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9186%	4,519
Cost of funding earning assets	0.5372%	3,880
Net interest margin	3.3815%	3,933
Noninterest income to average assets	0.3008%	3,873
Noninterest expense to average assets	2.7897%	2,604
Loan and lease loss provision to assets	0.0000%	3,406
Net operating income to assets	0.5481%	4,385
Return on assets (ROA)	0.5481%	4,414
Pretax return on assets	0.6758%	4,359
Return on Equity (ROE)	3.7340%	4,629
Retained earnings to average equity (ytd only)	3.7340%	3,432
Net charge-offs to loans	0.2366%	608
Credit loss provision to net charge-offs	0.0000%	2,210
Earnings coverage of net charge-offs (x)	4.9697%	2,292
Efficiency ratio	80.4994%	1,010
Assets per employee ($millions)	5.3349%	2,136
Cash dividends to net income (ytd only)*	0.0000%	2,768
Condition Ratios (%)
Loss allowance to loans	1.7736%	740
Loan loss allowance to noncurrent loans	65.5518%	3,966
Noncurrent assets plus other real estate owned to assets	1.6183%	702
Noncurrent loans to loans	2.7056%	445
Net loans and leases to total assets	56.5210%	4,028
Net loans and leases to deposits	66.7314%	4,000
Net loans and leases to core deposits	71.4939%	3,982
Total domestic deposits to total assets	84.6993%	2,782
Equity capital to assets	15.0779%	741
Core capital (leverage) ratio	15.5423%	589
Tier 1 risk-based capital ratio	25.0771%	758
Total risk-based capital ratio	26.3317%	740
Memoranda:
Average total assets	$97,071,000	4,148
Average earning assets	$90,848,000	4,128
Average equity	$14,247,500	3,767
Average total loans	$55,784,500	4,171
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9367%	4,198
Cost of funding earning assets	0.3474%	4,296
Net interest margin	3.5892%	3,418
Noninterest income to average assets	0.2935%	4,144
Noninterest expense to average assets	2.6395%	3,212
Loan and lease loss provision to assets	0.0673%	2,803
Net operating income to assets	0.7569%	3,945
Return on assets (ROA)	0.6765%	4,220
Pretax return on assets	0.8504%	4,036
Return on Equity (ROE)	4.9571%	4,462
Retained earnings to average equity (ytd only)	4.9571%	2,788
Net charge-offs to loans	0.0609%	2,260
Credit loss provision to net charge-offs	197.0588%	1,466
Earnings coverage of net charge-offs (x)	29.7941%	1,611
Efficiency ratio	72.1627%	1,871
Assets per employee ($millions)	5.4508%	2,004
Cash dividends to net income (ytd only)*	0.0000%	4,013
Condition Ratios (%)
Loss allowance to loans	1.7989%	681
Loan loss allowance to noncurrent loans	62.4153%	4,071
Noncurrent assets plus other real estate owned to assets	1.6542%	664
Noncurrent loans to loans	2.8821%	367
Net loans and leases to total assets	56.3630%	4,107
Net loans and leases to deposits	66.2585%	4,098
Net loans and leases to core deposits	71.4027%	4,034
Total domestic deposits to total assets	85.0653%	2,620
Equity capital to assets	14.2854%	894
Core capital (leverage) ratio	15.3301%	623
Tier 1 risk-based capital ratio	24.3427%	793
Total risk-based capital ratio	25.5979%	774
Memoranda:
Average total assets	$99,487,600	4,108
Average earning assets	$93,251,600	4,078
Average equity	$13,576,600	3,805
Average total loans	$55,803,200	4,192
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8907%	4,235
Cost of funding earning assets	0.2976%	4,539
Net interest margin	3.5931%	3,394
Noninterest income to average assets	0.2845%	4,251
Noninterest expense to average assets	2.6391%	3,161
Loan and lease loss provision to assets	0.0908%	2,161
Net operating income to assets	0.7399%	4,107
Return on assets (ROA)	0.6330%	4,424
Pretax return on assets	0.7906%	4,323
Return on Equity (ROE)	4.6929%	4,651
Retained earnings to average equity (ytd only)	4.6929%	3,398
Net charge-offs to loans	0.0910%	1,594
Credit loss provision to net charge-offs	178.9474%	1,504
Earnings coverage of net charge-offs (x)	19.9982%	1,970
Efficiency ratio	72.2222%	1,849
Assets per employee ($millions)	5.7261%	1,713
Cash dividends to net income (ytd only)*	0.0000%	3,598
Condition Ratios (%)
Loss allowance to loans	1.7924%	734
Loan loss allowance to noncurrent loans	63.6421%	4,127
Noncurrent assets plus other real estate owned to assets	1.6303%	764
Noncurrent loans to loans	2.8164%	415
Net loans and leases to total assets	56.8479%	4,148
Net loans and leases to deposits	66.4003%	4,167
Net loans and leases to core deposits	72.4803%	4,046
Total domestic deposits to total assets	85.6139%	2,352
Equity capital to assets	13.9516%	972
Core capital (leverage) ratio	15.0006%	704
Tier 1 risk-based capital ratio	23.9524%	853
Total risk-based capital ratio	25.2076%	836
Memoranda:
Average total assets	$99,831,000	4,147
Average earning assets	$93,622,500	4,117
Average equity	$13,466,750	3,854
Average total loans	$55,675,750	4,239
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7768%	4,399
Cost of funding earning assets	0.2376%	4,815
Net interest margin	3.5391%	3,506
Noninterest income to average assets	0.2762%	4,340
Noninterest expense to average assets	2.5909%	3,354
Loan and lease loss provision to assets	0.0894%	2,128
Net operating income to assets	0.7650%	3,975
Return on assets (ROA)	0.5981%	4,503
Pretax return on assets	0.7113%	4,482
Return on Equity (ROE)	4.4829%	4,701
Retained earnings to average equity (ytd only)	4.4829%	3,355
Net charge-offs to loans	0.1443%	1,055
Credit loss provision to net charge-offs	112.5000%	1,865
Earnings coverage of net charge-offs (x)	12.5750%	2,195
Efficiency ratio	72.1638%	1,974
Assets per employee ($millions)	5.7964%	1,640
Cash dividends to net income (ytd only)*	0.0000%	3,456
Condition Ratios (%)
Loss allowance to loans	1.7458%	830
Loan loss allowance to noncurrent loans	57.0684%	4,286
Noncurrent assets plus other real estate owned to assets	1.7516%	684
Noncurrent loans to loans	3.0591%	368
Net loans and leases to total assets	56.2595%	4,141
Net loans and leases to deposits	67.4375%	4,057
Net loans and leases to core deposits	69.8190%	4,155
Total domestic deposits to total assets	83.4247%	3,275
Equity capital to assets	13.6871%	1,030
Core capital (leverage) ratio	14.6379%	746
Tier 1 risk-based capital ratio	23.6591%	866
Total risk-based capital ratio	24.9140%	838
Memoranda:
Average total assets	$100,660,000	4,165
Average earning assets	$94,260,000	4,142
Average equity	$13,428,670	3,878
Average total loans	$55,451,670	4,273
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6763%	4,520
Cost of funding earning assets	0.2298%	4,837
Net interest margin	3.4466%	3,718
Noninterest income to average assets	0.2989%	4,164
Noninterest expense to average assets	2.5599%	3,459
Loan and lease loss provision to assets	0.0904%	1,996
Net operating income to assets	0.6922%	4,131
Return on assets (ROA)	0.4561%	4,800
Pretax return on assets	0.5938%	4,699
Return on Equity (ROE)	3.4628%	4,901
Retained earnings to average equity (ytd only)	3.4628%	3,817
Net charge-offs to loans	0.0218%	2,066
Credit loss provision to net charge-offs	766.6667%	428
Earnings coverage of net charge-offs (x)	83.3333%	689
Efficiency ratio	72.2531%	2,152
Assets per employee ($millions)	5.6137%	1,837
Cash dividends to net income (ytd only)*	0.0000%	2,749
Condition Ratios (%)
Loss allowance to loans	1.8218%	749
Loan loss allowance to noncurrent loans	55.3710%	4,350
Noncurrent assets plus other real estate owned to assets	1.9565%	588
Noncurrent loans to loans	3.2901%	332
Net loans and leases to total assets	53.3341%	4,342
Net loans and leases to deposits	61.5409%	4,369
Net loans and leases to core deposits	63.8259%	4,432
Total domestic deposits to total assets	86.6645%	2,250
Equity capital to assets	13.1890%	1,161
Core capital (leverage) ratio	14.3229%	801
Tier 1 risk-based capital ratio	23.7301%	862
Total risk-based capital ratio	24.9849%	842
Memoranda:
Average total assets	$101,721,000	4,198
Average earning assets	$95,747,500	4,161
Average equity	$13,399,500	3,915
Average total loans	$54,966,500	4,330
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7592%	4,188
Cost of funding earning assets	0.2379%	4,666
Net interest margin	3.5212%	3,460
Noninterest income to average assets	0.3178%	4,189
Noninterest expense to average assets	2.4822%	3,844
Loan and lease loss provision to assets	0.2340%	823
Net operating income to assets	0.7564%	3,361
Return on assets (ROA)	0.7848%	3,265
Pretax return on assets	0.9700%	3,673
Return on Equity (ROE)	5.8842%	3,809
Retained earnings to average equity (ytd only)	1.1330%	4,575
Net charge-offs to loans	0.0216%	3,379
Credit loss provision to net charge-offs	2,000.0000%	188
Earnings coverage of net charge-offs (x)	99.9167%	645
Efficiency ratio	67.9840%	2,897
Assets per employee ($millions)	5.6887%	1,758
Cash dividends to net income (ytd only)*	80.7453%	821
Condition Ratios (%)
Loss allowance to loans	1.7805%	806
Loan loss allowance to noncurrent loans	60.6811%	4,267
Noncurrent assets plus other real estate owned to assets	1.5772%	845
Noncurrent loans to loans	2.9342%	388
Net loans and leases to total assets	52.7960%	4,460
Net loans and leases to deposits	60.8309%	4,511
Net loans and leases to core deposits	62.7478%	4,615
Total domestic deposits to total assets	86.7915%	2,092
Equity capital to assets	13.1568%	1,188
Core capital (leverage) ratio	13.6884%	913
Tier 1 risk-based capital ratio	23.6039%	851
Total risk-based capital ratio	24.8591%	837
Memoranda:
Average total assets	$102,572,200	4,197
Average earning assets	$97,096,400	4,146
Average equity	$13,680,600	3,888
Average total loans	$55,460,800	4,314
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8097%	3,974
Cost of funding earning assets	0.2210%	4,803
Net interest margin	3.5888%	3,197
Noninterest income to average assets	0.3325%	4,158
Noninterest expense to average assets	2.4730%	3,815
Loan and lease loss provision to assets	0.0870%	2,344
Net operating income to assets	0.8111%	3,478
Return on assets (ROA)	0.8442%	3,347
Pretax return on assets	1.2170%	2,834
Return on Equity (ROE)	6.2936%	3,984
Retained earnings to average equity (ytd only)	6.2936%	2,063
Net charge-offs to loans	0.0336%	2,758
Credit loss provision to net charge-offs	478.5714%	668
Earnings coverage of net charge-offs (x)	69.0573%	903
Efficiency ratio	66.3184%	3,158
Assets per employee ($millions)	5.5732%	1,855
Cash dividends to net income (ytd only)*	0.0000%	3,680
Condition Ratios (%)
Loss allowance to loans	1.4636%	1,666
Loan loss allowance to noncurrent loans	224.8603%	2,036
Noncurrent assets plus other real estate owned to assets	0.3569%	3,603
Noncurrent loans to loans	0.6509%	2,760
Net loans and leases to total assets	54.0252%	4,413
Net loans and leases to deposits	63.3120%	4,429
Net loans and leases to core deposits	65.1688%	4,536
Total domestic deposits to total assets	85.3316%	2,583
Equity capital to assets	14.2198%	934
Core capital (leverage) ratio	14.2917%	817
Tier 1 risk-based capital ratio	25.0611%	744
Total risk-based capital ratio	26.3124%	726
Memoranda:
Average total assets	$102,653,750	4,236
Average earning assets	$97,152,500	4,189
Average equity	$13,770,250	3,914
Average total loans	$55,565,750	4,343
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8059%	3,868
Cost of funding earning assets	0.2394%	4,645
Net interest margin	3.5665%	3,157
Noninterest income to average assets	0.3519%	4,039
Noninterest expense to average assets	2.4267%	3,974
Loan and lease loss provision to assets	0.0870%	2,241
Net operating income to assets	0.8318%	3,241
Return on assets (ROA)	0.8585%	3,171
Pretax return on assets	1.2472%	2,596
Return on Equity (ROE)	6.5269%	3,812
Retained earnings to average equity (ytd only)	6.5269%	1,830
Net charge-offs to loans	0.0143%	2,958
Credit loss provision to net charge-offs	1,125.0000%	352
Earnings coverage of net charge-offs (x)	167.5000%	462
Efficiency ratio	65.1948%	3,473
Assets per employee ($millions)	5.6935%	1,708
Cash dividends to net income (ytd only)*	0.0000%	3,521
Condition Ratios (%)
Loss allowance to loans	1.3758%	2,063
Loan loss allowance to noncurrent loans	370.5607%	1,325
Noncurrent assets plus other real estate owned to assets	0.2088%	4,336
Noncurrent loans to loans	0.3713%	3,695
Net loans and leases to total assets	55.4687%	4,272
Net loans and leases to deposits	64.6624%	4,327
Net loans and leases to core deposits	68.0937%	4,343
Total domestic deposits to total assets	85.7820%	2,482
Equity capital to assets	13.7701%	1,055
Core capital (leverage) ratio	13.9041%	889
Tier 1 risk-based capital ratio	23.7010%	882
Total risk-based capital ratio	24.9509%	868
Memoranda:
Average total assets	$103,432,330	4,249
Average earning assets	$97,743,670	4,205
Average equity	$13,605,330	3,947
Average total loans	$55,753,670	4,361
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7789%	3,836
Cost of funding earning assets	0.2410%	4,625
Net interest margin	3.5378%	3,132
Noninterest income to average assets	0.3426%	4,102
Noninterest expense to average assets	2.4252%	4,043
Loan and lease loss provision to assets	0.0885%	2,063
Net operating income to assets	0.8173%	3,140
Return on assets (ROA)	0.8200%	3,182
Pretax return on assets	1.1664%	2,719
Return on Equity (ROE)	6.3811%	3,725
Retained earnings to average equity (ytd only)	6.3811%	2,147
Net charge-offs to loans	0.0365%	2,057
Credit loss provision to net charge-offs	460.0000%	600
Earnings coverage of net charge-offs (x)	65.0000%	758
Efficiency ratio	65.9686%	3,501
Assets per employee ($millions)	6.1622%	1,388
Cash dividends to net income (ytd only)*	0.0000%	2,824
Condition Ratios (%)
Loss allowance to loans	1.3900%	2,110
Loan loss allowance to noncurrent loans	350.0000%	1,415
Noncurrent assets plus other real estate owned to assets	0.2100%	4,391
Noncurrent loans to loans	0.3971%	3,673
Net loans and leases to total assets	52.1459%	4,502
Net loans and leases to deposits	60.0746%	4,561
Net loans and leases to core deposits	63.1475%	4,589
Total domestic deposits to total assets	86.8020%	2,310
Equity capital to assets	12.9355%	1,283
Core capital (leverage) ratio	13.3360%	1,022
Tier 1 risk-based capital ratio	23.8669%	886
Total risk-based capital ratio	25.1158%	865
Memoranda:
Average total assets	$103,907,000	4,286
Average earning assets	$97,913,000	4,235
Average equity	$13,352,000	4,009
Average total loans	$54,811,000	4,430
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7316%	4,120
Cost of funding earning assets	0.2428%	4,630
Net interest margin	3.4888%	3,480
Noninterest income to average assets	0.3090%	4,527
Noninterest expense to average assets	2.4568%	4,138
Loan and lease loss provision to assets	0.1560%	1,596
Net operating income to assets	0.7073%	3,749
Return on assets (ROA)	0.9637%	2,623
Pretax return on assets	1.3497%	2,108
Return on Equity (ROE)	7.4070%	3,264
Retained earnings to average equity (ytd only)	2.9672%	3,788
Net charge-offs to loans	0.1237%	2,022
Credit loss provision to net charge-offs	245.4545%	1,180
Earnings coverage of net charge-offs (x)	18.0152%	2,001
Efficiency ratio	68.2171%	3,202
Assets per employee ($millions)	5.7253%	1,673
Cash dividends to net income (ytd only)*	59.9401%	1,793
Condition Ratios (%)
Loss allowance to loans	1.3868%	2,139
Loan loss allowance to noncurrent loans	281.6479%	1,714
Noncurrent assets plus other real estate owned to assets	0.2591%	4,256
Noncurrent loans to loans	0.4924%	3,392
Net loans and leases to total assets	51.8873%	4,618
Net loans and leases to deposits	59.5435%	4,705
Net loans and leases to core deposits	62.6280%	4,716
Total domestic deposits to total assets	87.1419%	2,065
Equity capital to assets	12.7630%	1,368
Core capital (leverage) ratio	13.2973%	1,032
Tier 1 risk-based capital ratio	23.7405%	893
Total risk-based capital ratio	24.9915%	880
Memoranda:
Average total assets	$103,873,800	4,289
Average earning assets	$98,027,600	4,238
Average equity	$13,514,200	4,022
Average total loans	$53,375,000	4,477
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7462%	4,093
Cost of funding earning assets	0.2440%	4,660
Net interest margin	3.5021%	3,462
Noninterest income to average assets	0.2946%	4,659
Noninterest expense to average assets	2.5032%	3,975
Loan and lease loss provision to assets	0.1793%	1,241
Net operating income to assets	0.6680%	4,007
Return on assets (ROA)	1.0056%	2,543
Pretax return on assets	1.3835%	2,110
Return on Equity (ROE)	7.6933%	3,195
Retained earnings to average equity (ytd only)	1.8131%	4,778
Net charge-offs to loans	0.1404%	1,589
Credit loss provision to net charge-offs	250.0000%	1,196
Earnings coverage of net charge-offs (x)	15.3402%	2,183
Efficiency ratio	69.4632%	2,974
Assets per employee ($millions)	5.7369%	1,627
Cash dividends to net income (ytd only)*	76.4332%	848
Condition Ratios (%)
Loss allowance to loans	1.3676%	2,350
Loan loss allowance to noncurrent loans	307.0539%	1,581
Noncurrent assets plus other real estate owned to assets	0.2382%	4,490
Noncurrent loans to loans	0.4454%	3,686
Net loans and leases to total assets	51.6826%	4,678
Net loans and leases to deposits	60.1929%	4,744
Net loans and leases to core deposits	63.9039%	4,731
Total domestic deposits to total assets	85.8616%	2,429
Equity capital to assets	13.3627%	1,316
Core capital (leverage) ratio	13.2338%	1,097
Tier 1 risk-based capital ratio	23.6324%	932
Total risk-based capital ratio	24.8835%	918
Memoranda:
Average total assets	$104,078,250	4,317
Average earning assets	$98,337,500	4,265
Average equity	$13,604,500	4,043
Average total loans	$53,162,500	4,521
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7339%	4,175
Cost of funding earning assets	0.2417%	4,737
Net interest margin	3.4921%	3,512
Noninterest income to average assets	0.2913%	4,702
Noninterest expense to average assets	2.4686%	4,124
Loan and lease loss provision to assets	0.2319%	870
Net operating income to assets	0.6284%	4,152
Return on assets (ROA)	0.8625%	3,156
Pretax return on assets	1.2151%	2,726
Return on Equity (ROE)	6.6471%	3,724
Retained earnings to average equity (ytd only)	-2.2157%	5,562
Net charge-offs to loans	0.2044%	1,134
Credit loss provision to net charge-offs	224.0741%	1,204
Earnings coverage of net charge-offs (x)	10.7963%	2,303
Efficiency ratio	68.8402%	3,181
Assets per employee ($millions)	5.5793%	1,719
Cash dividends to net income (ytd only)*	133.3333%	268
Condition Ratios (%)
Loss allowance to loans	1.3501%	2,532
Loan loss allowance to noncurrent loans	278.0769%	1,740
Noncurrent assets plus other real estate owned to assets	0.2589%	4,458
Noncurrent loans to loans	0.4855%	3,636
Net loans and leases to total assets	52.6054%	4,624
Net loans and leases to deposits	61.4781%	4,696
Net loans and leases to core deposits	65.6640%	4,636
Total domestic deposits to total assets	85.5676%	2,621
Equity capital to assets	13.6039%	1,181
Core capital (leverage) ratio	13.0251%	1,138
Tier 1 risk-based capital ratio	23.4505%	967
Total risk-based capital ratio	24.7003%	944
Memoranda:
Average total assets	$104,349,330	4,347
Average earning assets	$98,450,000	4,299
Average equity	$13,539,670	4,071
Average total loans	$52,846,670	4,558
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6905%	4,356
Cost of funding earning assets	0.2399%	4,807
Net interest margin	3.4506%	3,664
Noninterest income to average assets	0.2822%	4,696
Noninterest expense to average assets	2.4908%	4,099
Loan and lease loss provision to assets	0.0376%	3,155
Net operating income to assets	0.8029%	3,232
Return on assets (ROA)	0.9595%	2,578
Pretax return on assets	1.1965%	2,714
Return on Equity (ROE)	7.5676%	3,152
Retained earnings to average equity (ytd only)	-10.2385%	5,809
Net charge-offs to loans	0.0000%	3,094
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.5757%	3,032
Assets per employee ($millions)	5.8202%	1,560
Cash dividends to net income (ytd only)*	235.2941%	187
Condition Ratios (%)
Loss allowance to loans	1.2583%	3,124
Loan loss allowance to noncurrent loans	146.0526%	2,818
Noncurrent assets plus other real estate owned to assets	0.4353%	3,841
Noncurrent loans to loans	0.8615%	2,690
Net loans and leases to total assets	49.8874%	4,812
Net loans and leases to deposits	57.6808%	4,872
Net loans and leases to core deposits	61.3881%	4,851
Total domestic deposits to total assets	86.4887%	2,452
Equity capital to assets	12.7964%	1,512
Core capital (leverage) ratio	12.4449%	1,358
Tier 1 risk-based capital ratio	23.0274%	1,007
Total risk-based capital ratio	24.1923%	999
Memoranda:
Average total assets	$106,310,500	4,336
Average earning assets	$100,041,000	4,294
Average equity	$13,478,500	4,083
Average total loans	$52,493,500	4,602
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5364%	4,829
Cost of funding earning assets	0.2424%	4,859
Net interest margin	3.2940%	4,313
Noninterest income to average assets	0.2831%	4,863
Noninterest expense to average assets	2.3695%	4,589
Loan and lease loss provision to assets	0.0389%	3,560
Net operating income to assets	0.7756%	3,442
Return on assets (ROA)	0.9539%	2,673
Pretax return on assets	1.2213%	2,586
Return on Equity (ROE)	7.7129%	3,125
Retained earnings to average equity (ytd only)	3.2243%	3,759
Net charge-offs to loans	-0.0020%	4,879
Credit loss provision to net charge-offs	-4,200.0000%	5,714
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.6681%	3,274
Assets per employee ($millions)	5.9921%	1,396
Cash dividends to net income (ytd only)*	58.1959%	1,832
Condition Ratios (%)
Loss allowance to loans	1.2602%	3,109
Loan loss allowance to noncurrent loans	205.0000%	2,227
Noncurrent assets plus other real estate owned to assets	0.2967%	4,412
Noncurrent loans to loans	0.6147%	3,340
Net loans and leases to total assets	47.6566%	5,047
Net loans and leases to deposits	54.8998%	5,115
Net loans and leases to core deposits	58.3069%	5,089
Total domestic deposits to total assets	86.8066%	2,235
Equity capital to assets	12.5639%	1,589
Core capital (leverage) ratio	12.3779%	1,410
Tier 1 risk-based capital ratio	23.5337%	950
Total risk-based capital ratio	24.6764%	952
Memoranda:
Average total assets	$108,083,400	4,294
Average earning assets	$102,308,600	4,235
Average equity	$13,367,200	4,065
Average total loans	$49,961,600	4,672
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4833%	5,020
Cost of funding earning assets	0.2434%	4,956
Net interest margin	3.2399%	4,555
Noninterest income to average assets	0.2786%	4,952
Noninterest expense to average assets	2.3414%	4,672
Loan and lease loss provision to assets	0.0382%	3,443
Net operating income to assets	0.7593%	3,637
Return on assets (ROA)	0.9568%	2,774
Pretax return on assets	1.2416%	2,640
Return on Equity (ROE)	7.7668%	3,204
Retained earnings to average equity (ytd only)	1.7615%	4,996
Net charge-offs to loans	-0.0027%	4,741
Credit loss provision to net charge-offs	-3,100.0000%	5,652
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.5859%	3,272
Assets per employee ($millions)	6.2595%	1,197
Cash dividends to net income (ytd only)*	77.3196%	807
Condition Ratios (%)
Loss allowance to loans	1.2599%	3,308
Loan loss allowance to noncurrent loans	119.6660%	3,272
Noncurrent assets plus other real estate owned to assets	0.4784%	3,895
Noncurrent loans to loans	1.0528%	2,378
Net loans and leases to total assets	44.8660%	5,297
Net loans and leases to deposits	51.4205%	5,396
Net loans and leases to core deposits	54.4637%	5,380
Total domestic deposits to total assets	87.2532%	1,918
Equity capital to assets	11.8726%	2,195
Core capital (leverage) ratio	11.8521%	1,778
Tier 1 risk-based capital ratio	22.9642%	1,057
Total risk-based capital ratio	24.0817%	1,061
Memoranda:
Average total assets	$108,140,000	4,341
Average earning assets	$103,003,250	4,260
Average equity	$13,321,250	4,117
Average total loans	$49,437,750	4,737
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4841%	5,028
Cost of funding earning assets	0.2461%	4,982
Net interest margin	3.2381%	4,538
Noninterest income to average assets	0.2795%	4,950
Noninterest expense to average assets	2.3689%	4,660
Loan and lease loss provision to assets	0.0394%	3,333
Net operating income to assets	0.7503%	3,643
Return on assets (ROA)	1.0166%	2,416
Pretax return on assets	1.2980%	2,371
Return on Equity (ROE)	8.1487%	2,964
Retained earnings to average equity (ytd only)	-0.8720%	5,673
Net charge-offs to loans	-0.0041%	4,697
Credit loss provision to net charge-offs	-2,100.0000%	5,485
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.4013%	3,274
Assets per employee ($millions)	6.2594%	1,181
Cash dividends to net income (ytd only)*	110.7011%	393
Condition Ratios (%)
Loss allowance to loans	1.3147%	3,161
Loan loss allowance to noncurrent loans	173.0245%	2,509
Noncurrent assets plus other real estate owned to assets	0.3257%	4,576
Noncurrent loans to loans	0.7599%	3,214
Net loans and leases to total assets	42.3041%	5,482
Net loans and leases to deposits	48.1333%	5,590
Net loans and leases to core deposits	50.9999%	5,575
Total domestic deposits to total assets	87.8894%	1,704
Equity capital to assets	11.4991%	2,415
Core capital (leverage) ratio	12.0300%	1,645
Tier 1 risk-based capital ratio	23.4073%	1,025
Total risk-based capital ratio	24.5488%	1,019
Memoranda:
Average total assets	$106,629,670	4,410
Average earning assets	$101,603,670	4,325
Average equity	$13,302,670	4,146
Average total loans	$48,851,670	4,789
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5798%	4,752
Cost of funding earning assets	0.2557%	4,958
Net interest margin	3.3241%	4,113
Noninterest income to average assets	0.2857%	4,885
Noninterest expense to average assets	2.4785%	4,329
Loan and lease loss provision to assets	0.0386%	3,134
Net operating income to assets	0.7656%	3,449
Return on assets (ROA)	1.1929%	1,668
Pretax return on assets	1.4516%	1,721
Return on Equity (ROE)	9.1719%	2,370
Retained earnings to average equity (ytd only)	9.1719%	1,140
Net charge-offs to loans	-0.0081%	4,637
Credit loss provision to net charge-offs	-1,000.0000%	4,967
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	71.8925%	3,190
Assets per employee ($millions)	5.5396%	1,763
Cash dividends to net income (ytd only)*	0.0000%	2,870
Condition Ratios (%)
Loss allowance to loans	1.3070%	3,364
Loan loss allowance to noncurrent loans	190.8257%	2,311
Noncurrent assets plus other real estate owned to assets	0.3249%	4,689
Noncurrent loans to loans	0.6849%	3,566
Net loans and leases to total assets	44.7668%	5,285
Net loans and leases to deposits	51.8652%	5,341
Net loans and leases to core deposits	55.2471%	5,297
Total domestic deposits to total assets	86.3138%	2,761
Equity capital to assets	12.9955%	1,409
Core capital (leverage) ratio	13.1070%	1,120
Tier 1 risk-based capital ratio	25.1045%	881
Total risk-based capital ratio	26.2747%	864
Memoranda:
Average total assets	$103,609,500	4,509
Average earning assets	$98,552,000	4,443
Average equity	$13,476,000	4,151
Average total loans	$49,128,000	4,812
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7625%	4,613
Cost of funding earning assets	0.2721%	5,072
Net interest margin	3.4904%	3,833
Noninterest income to average assets	0.2158%	5,564
Noninterest expense to average assets	2.5276%	4,460
Loan and lease loss provision to assets	0.0424%	3,722
Net operating income to assets	0.7963%	3,393
Return on assets (ROA)	0.8775%	3,071
Pretax return on assets	1.0560%	3,275
Return on Equity (ROE)	6.8974%	3,693
Retained earnings to average equity (ytd only)	6.8974%	1,448
Net charge-offs to loans	0.0411%	3,999
Credit loss provision to net charge-offs	221.0526%	1,132
Earnings coverage of net charge-offs (x)	52.2105%	900
Efficiency ratio	71.6409%	3,268
Assets per employee ($millions)	5.6648%	1,636
Cash dividends to net income (ytd only)*	0.0000%	4,317
Condition Ratios (%)
Loss allowance to loans	1.2135%	3,913
Loan loss allowance to noncurrent loans	169.8061%	2,558
Noncurrent assets plus other real estate owned to assets	0.3687%	4,589
Noncurrent loans to loans	0.7147%	3,536
Net loans and leases to total assets	48.9384%	5,074
Net loans and leases to deposits	56.5848%	5,146
Net loans and leases to core deposits	60.7808%	5,078
Total domestic deposits to total assets	86.4868%	2,574
Equity capital to assets	13.0179%	1,365
Core capital (leverage) ratio	12.9883%	1,146
Tier 1 risk-based capital ratio	23.7316%	982
Total risk-based capital ratio	24.8439%	979
Memoranda:
Average total assets	$99,145,600	4,621
Average earning assets	$94,087,000	4,549
Average equity	$12,613,400	4,259
Average total loans	$46,178,000	4,948
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7553%	4,695
Cost of funding earning assets	0.2754%	5,147
Net interest margin	3.4799%	3,901
Noninterest income to average assets	0.1964%	5,749
Noninterest expense to average assets	2.5043%	4,515
Loan and lease loss provision to assets	0.0420%	3,555
Net operating income to assets	0.7776%	3,523
Return on assets (ROA)	0.8763%	3,134
Pretax return on assets	1.0754%	3,278
Return on Equity (ROE)	6.9299%	3,737
Retained earnings to average equity (ytd only)	6.9299%	1,850
Net charge-offs to loans	0.0414%	3,672
Credit loss provision to net charge-offs	221.4286%	1,171
Earnings coverage of net charge-offs (x)	52.4896%	944
Efficiency ratio	71.5557%	3,257
Assets per employee ($millions)	5.4902%	1,734
Cash dividends to net income (ytd only)*	0.0000%	3,806
Condition Ratios (%)
Loss allowance to loans	1.2756%	3,776
Loan loss allowance to noncurrent loans	158.4856%	2,601
Noncurrent assets plus other real estate owned to assets	0.4473%	4,564
Noncurrent loans to loans	0.8048%	3,565
Net loans and leases to total assets	47.5391%	5,242
Net loans and leases to deposits	55.1460%	5,298
Net loans and leases to core deposits	58.8405%	5,282
Total domestic deposits to total assets	86.2058%	2,753
Equity capital to assets	13.0657%	1,395
Core capital (leverage) ratio	13.0504%	1,156
Tier 1 risk-based capital ratio	24.5685%	925
Total risk-based capital ratio	25.7286%	920
Memoranda:
Average total assets	$98,440,250	4,683
Average earning assets	$93,448,500	4,611
Average equity	$12,448,250	4,305
Average total loans	$45,094,000	5,045
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7216%	4,794
Cost of funding earning assets	0.2723%	5,267
Net interest margin	3.4493%	3,980
Noninterest income to average assets	0.2360%	5,510
Noninterest expense to average assets	2.5124%	4,547
Loan and lease loss provision to assets	0.0427%	3,462
Net operating income to assets	0.7661%	3,480
Return on assets (ROA)	0.8849%	2,975
Pretax return on assets	1.1026%	3,091
Return on Equity (ROE)	7.0768%	3,589
Retained earnings to average equity (ytd only)	7.0768%	1,734
Net charge-offs to loans	0.0000%	4,375
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	71.5942%	3,414
Assets per employee ($millions)	5.4811%	1,708
Cash dividends to net income (ytd only)*	0.0000%	3,638
Condition Ratios (%)
Loss allowance to loans	1.3328%	3,678
Loan loss allowance to noncurrent loans	171.1485%	2,435
Noncurrent assets plus other real estate owned to assets	0.5808%	4,242
Noncurrent loans to loans	0.7787%	3,749
Net loans and leases to total assets	45.8474%	5,372
Net loans and leases to deposits	52.9996%	5,425
Net loans and leases to core deposits	56.2327%	5,397
Total domestic deposits to total assets	86.5052%	2,755
Equity capital to assets	12.8309%	1,467
Core capital (leverage) ratio	12.6275%	1,326
Tier 1 risk-based capital ratio	24.8053%	890
Total risk-based capital ratio	26.0040%	887
Memoranda:
Average total assets	$98,312,330	4,720
Average earning assets	$93,293,330	4,651
Average equity	$12,293,670	4,342
Average total loans	$44,263,000	5,117
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6563%	4,989
Cost of funding earning assets	0.2704%	5,380
Net interest margin	3.3859%	4,188
Noninterest income to average assets	0.2038%	5,724
Noninterest expense to average assets	2.5800%	4,340
Loan and lease loss provision to assets	0.0408%	3,270
Net operating income to assets	0.6344%	4,029
Return on assets (ROA)	0.8437%	3,010
Pretax return on assets	1.0638%	3,068
Return on Equity (ROE)	6.8368%	3,567
Retained earnings to average equity (ytd only)	6.8368%	2,125
Net charge-offs to loans	0.0000%	3,660
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	75.4470%	2,881
Assets per employee ($millions)	5.5763%	1,636
Cash dividends to net income (ytd only)*	0.0000%	2,852
Condition Ratios (%)
Loss allowance to loans	1.3446%	3,879
Loan loss allowance to noncurrent loans	162.6016%	2,502
Noncurrent assets plus other real estate owned to assets	0.5828%	4,399
Noncurrent loans to loans	0.8269%	3,818
Net loans and leases to total assets	43.8580%	5,527
Net loans and leases to deposits	50.3851%	5,567
Net loans and leases to core deposits	52.4665%	5,591
Total domestic deposits to total assets	87.0455%	2,780
Equity capital to assets	12.3199%	1,674
Core capital (leverage) ratio	12.7080%	1,292
Tier 1 risk-based capital ratio	24.5730%	930
Total risk-based capital ratio	25.7605%	921
Memoranda:
Average total assets	$98,138,500	4,768
Average earning assets	$93,210,000	4,701
Average equity	$12,111,000	4,399
Average total loans	$43,472,500	5,189
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8026%	4,808
Cost of funding earning assets	0.3784%	4,855
Net interest margin	3.4242%	4,184
Noninterest income to average assets	0.3135%	5,099
Noninterest expense to average assets	2.5709%	4,551
Loan and lease loss provision to assets	0.0221%	4,686
Net operating income to assets	0.7252%	3,675
Return on assets (ROA)	0.8131%	3,325
Pretax return on assets	1.0635%	3,098
Return on Equity (ROE)	6.4019%	3,872
Retained earnings to average equity (ytd only)	6.4019%	1,739
Net charge-offs to loans	0.0049%	5,376
Credit loss provision to net charge-offs	1,050.0000%	243
Earnings coverage of net charge-offs (x)	461.0000%	84
Efficiency ratio	72.6084%	3,366
Assets per employee ($millions)	5.3279%	1,816
Cash dividends to net income (ytd only)*	0.0000%	4,285
Condition Ratios (%)
Loss allowance to loans	1.3940%	3,683
Loan loss allowance to noncurrent loans	140.1425%	2,808
Noncurrent assets plus other real estate owned to assets	0.7080%	4,127
Noncurrent loans to loans	0.9947%	3,527
Net loans and leases to total assets	43.5158%	5,719
Net loans and leases to deposits	49.8400%	5,782
Net loans and leases to core deposits	52.1630%	5,789
Total domestic deposits to total assets	87.3111%	2,573
Equity capital to assets	12.3625%	1,585
Core capital (leverage) ratio	12.7228%	1,248
Tier 1 risk-based capital ratio	25.3089%	829
Total risk-based capital ratio	26.5321%	816
Memoranda:
Average total assets	$95,065,000	4,864
Average earning assets	$89,596,800	4,788
Average equity	$12,074,600	4,425
Average total loans	$40,882,000	5,306
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8067%	4,830
Cost of funding earning assets	0.4095%	4,738
Net interest margin	3.3971%	4,300
Noninterest income to average assets	0.3135%	5,200
Noninterest expense to average assets	2.5315%	4,617
Loan and lease loss provision to assets	0.0141%	4,723
Net operating income to assets	0.7523%	3,590
Return on assets (ROA)	0.8729%	3,088
Pretax return on assets	1.1175%	3,031
Return on Equity (ROE)	6.8263%	3,750
Retained earnings to average equity (ytd only)	6.8263%	1,960
Net charge-offs to loans	0.0099%	4,948
Credit loss provision to net charge-offs	333.3333%	770
Earnings coverage of net charge-offs (x)	231.6600%	252
Efficiency ratio	72.1554%	3,377
Assets per employee ($millions)	4.9473%	2,241
Cash dividends to net income (ytd only)*	0.0000%	3,738
Condition Ratios (%)
Loss allowance to loans	1.3908%	3,934
Loan loss allowance to noncurrent loans	176.7584%	2,236
Noncurrent assets plus other real estate owned to assets	0.6989%	4,368
Noncurrent loans to loans	0.7868%	4,273
Net loans and leases to total assets	43.5973%	5,764
Net loans and leases to deposits	50.0733%	5,834
Net loans and leases to core deposits	52.2650%	5,876
Total domestic deposits to total assets	87.0669%	2,656
Equity capital to assets	12.3703%	1,654
Core capital (leverage) ratio	12.7621%	1,301
Tier 1 risk-based capital ratio	25.4830%	837
Total risk-based capital ratio	26.7047%	821
Memoranda:
Average total assets	$94,855,500	4,911
Average earning assets	$89,210,000	4,842
Average equity	$12,129,250	4,473
Average total loans	$40,521,750	5,376
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7665%	4,942
Cost of funding earning assets	0.4535%	4,393
Net interest margin	3.3130%	4,524
Noninterest income to average assets	0.3090%	5,232
Noninterest expense to average assets	2.5058%	4,700
Loan and lease loss provision to assets	0.0000%	4,788
Net operating income to assets	0.7315%	3,662
Return on assets (ROA)	0.8997%	2,941
Pretax return on assets	1.1310%	2,968
Return on Equity (ROE)	6.9614%	3,618
Retained earnings to average equity (ytd only)	6.9614%	1,905
Net charge-offs to loans	0.0149%	4,544
Credit loss provision to net charge-offs	0.0000%	4,003
Earnings coverage of net charge-offs (x)	146.0000%	341
Efficiency ratio	73.1288%	3,285
Assets per employee ($millions)	4.9777%	2,136
Cash dividends to net income (ytd only)*	0.0000%	3,522
Condition Ratios (%)
Loss allowance to loans	1.3978%	4,045
Loan loss allowance to noncurrent loans	397.2028%	1,078
Noncurrent assets plus other real estate owned to assets	0.5001%	5,016
Noncurrent loans to loans	0.3519%	5,404
Net loans and leases to total assets	42.3638%	5,874
Net loans and leases to deposits	48.8312%	5,931
Net loans and leases to core deposits	51.3700%	5,932
Total domestic deposits to total assets	86.7556%	2,974
Equity capital to assets	12.5719%	1,533
Core capital (leverage) ratio	12.2342%	1,489
Tier 1 risk-based capital ratio	25.3175%	838
Total risk-based capital ratio	26.5297%	826
Memoranda:
Average total assets	$95,141,000	4,933
Average earning assets	$89,526,330	4,859
Average equity	$12,296,330	4,466
Average total loans	$40,176,000	5,419
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7313%	5,051
Cost of funding earning assets	0.4597%	4,489
Net interest margin	3.2716%	4,623
Noninterest income to average assets	0.3395%	4,980
Noninterest expense to average assets	2.4648%	4,890
Loan and lease loss provision to assets	0.0000%	4,409
Net operating income to assets	0.7811%	3,272
Return on assets (ROA)	0.9515%	2,578
Pretax return on assets	1.1528%	2,753
Return on Equity (ROE)	7.2643%	3,345
Retained earnings to average equity (ytd only)	7.2643%	2,042
Net charge-offs to loans	-0.0100%	5,440
Credit loss provision to net charge-offs	0.0000%	3,239
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.2359%	3,572
Assets per employee ($millions)	5.1137%	2,077
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	1.4302%	4,087
Loan loss allowance to noncurrent loans	316.0221%	1,259
Noncurrent assets plus other real estate owned to assets	0.4909%	5,146
Noncurrent loans to loans	0.4526%	5,290
Net loans and leases to total assets	40.5753%	5,950
Net loans and leases to deposits	47.2166%	5,978
Net loans and leases to core deposits	49.2535%	6,017
Total domestic deposits to total assets	85.9345%	3,563
Equity capital to assets	12.9745%	1,438
Core capital (leverage) ratio	12.2054%	1,458
Tier 1 risk-based capital ratio	24.7123%	928
Total risk-based capital ratio	25.9244%	919
Memoranda:
Average total assets	$95,423,500	4,960
Average earning assets	$89,621,000	4,894
Average equity	$12,499,500	4,474
Average total loans	$39,947,000	5,464
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9360%	5,476
Cost of funding earning assets	0.5869%	4,472
Net interest margin	3.3492%	5,077
Noninterest income to average assets	0.2979%	5,331
Noninterest expense to average assets	2.5790%	4,816
Loan and lease loss provision to assets	0.0487%	5,207
Net operating income to assets	0.6907%	3,779
Return on assets (ROA)	0.7441%	3,780
Pretax return on assets	0.8730%	4,019
Return on Equity (ROE)	5.7166%	4,291
Retained earnings to average equity (ytd only)	5.7166%	2,241
Net charge-offs to loans	-0.0051%	6,388
Credit loss provision to net charge-offs	-2,250.0000%	6,643
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	75.0158%	2,904
Assets per employee ($millions)	4.9309%	2,316
Cash dividends to net income (ytd only)*	0.0000%	4,298
Condition Ratios (%)
Loss allowance to loans	1.4311%	4,008
Loan loss allowance to noncurrent loans	920.9677%	492
Noncurrent assets plus other real estate owned to assets	0.8133%	4,437
Noncurrent loans to loans	0.1554%	6,090
Net loans and leases to total assets	41.9781%	6,013
Net loans and leases to deposits	48.9959%	6,032
Net loans and leases to core deposits	51.1983%	6,076
Total domestic deposits to total assets	85.6768%	3,522
Equity capital to assets	13.2281%	1,342
Core capital (leverage) ratio	12.1008%	1,513
Tier 1 risk-based capital ratio	24.7206%	881
Total risk-based capital ratio	25.9550%	871
Memoranda:
Average total assets	$92,324,200	5,014
Average earning assets	$86,559,200	4,949
Average equity	$12,017,600	4,565
Average total loans	$38,870,400	5,557
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9495%	5,661
Cost of funding earning assets	0.6132%	4,511
Net interest margin	3.3363%	5,263
Noninterest income to average assets	0.2928%	5,427
Noninterest expense to average assets	2.5758%	4,824
Loan and lease loss provision to assets	0.0652%	4,886
Net operating income to assets	0.6570%	4,104
Return on assets (ROA)	0.7277%	4,032
Pretax return on assets	0.8668%	4,234
Return on Equity (ROE)	5.6133%	4,525
Retained earnings to average equity (ytd only)	5.6133%	2,948
Net charge-offs to loans	-0.0069%	6,306
Credit loss provision to net charge-offs	-2,250.0000%	6,613
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	75.2329%	2,790
Assets per employee ($millions)	4.6692%	2,642
Cash dividends to net income (ytd only)*	0.0000%	3,713
Condition Ratios (%)
Loss allowance to loans	1.4823%	4,025
Loan loss allowance to noncurrent loans	456.8000%	833
Noncurrent assets plus other real estate owned to assets	0.8160%	4,662
Noncurrent loans to loans	0.3245%	5,827
Net loans and leases to total assets	40.6387%	6,229
Net loans and leases to deposits	47.5355%	6,287
Net loans and leases to core deposits	50.4024%	6,260
Total domestic deposits to total assets	85.4911%	3,510
Equity capital to assets	13.1200%	1,533
Core capital (leverage) ratio	12.1571%	1,557
Tier 1 risk-based capital ratio	24.9158%	915
Total risk-based capital ratio	26.1651%	907
Memoranda:
Average total assets	$91,983,500	5,078
Average earning assets	$86,320,500	5,005
Average equity	$11,923,750	4,626
Average total loans	$38,613,250	5,631
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9718%	5,725
Cost of funding earning assets	0.6456%	4,481
Net interest margin	3.3261%	5,369
Noninterest income to average assets	0.2885%	5,500
Noninterest expense to average assets	2.5853%	4,824
Loan and lease loss provision to assets	0.0656%	4,822
Net operating income to assets	0.6179%	4,295
Return on assets (ROA)	0.6753%	4,261
Pretax return on assets	0.8261%	4,378
Return on Equity (ROE)	5.2309%	4,691
Retained earnings to average equity (ytd only)	5.2309%	3,137
Net charge-offs to loans	-0.0104%	6,289
Credit loss provision to net charge-offs	-1,500.0000%	6,457
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	75.8820%	2,760
Assets per employee ($millions)	4.5591%	2,791
Cash dividends to net income (ytd only)*	0.0000%	3,523
Condition Ratios (%)
Loss allowance to loans	1.4330%	4,328
Loan loss allowance to noncurrent loans	375.6757%	963
Noncurrent assets plus other real estate owned to assets	0.8609%	4,654
Noncurrent loans to loans	0.3814%	5,774
Net loans and leases to total assets	41.9440%	6,190
Net loans and leases to deposits	49.1423%	6,231
Net loans and leases to core deposits	51.3053%	6,282
Total domestic deposits to total assets	85.3522%	3,688
Equity capital to assets	13.2626%	1,408
Core capital (leverage) ratio	12.1282%	1,536
Tier 1 risk-based capital ratio	24.5913%	949
Total risk-based capital ratio	25.8279%	935
Memoranda:
Average total assets	$91,516,670	5,117
Average earning assets	$85,805,670	5,053
Average equity	$11,814,330	4,649
Average total loans	$38,644,000	5,662
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0060%	5,741
Cost of funding earning assets	0.6529%	4,706
Net interest margin	3.3531%	5,300
Noninterest income to average assets	0.2923%	5,527
Noninterest expense to average assets	2.6700%	4,543
Loan and lease loss provision to assets	0.0654%	4,600
Net operating income to assets	0.5860%	4,413
Return on assets (ROA)	0.5933%	4,592
Pretax return on assets	0.7024%	4,781
Return on Equity (ROE)	4.6595%	4,952
Retained earnings to average equity (ytd only)	4.6595%	3,773
Net charge-offs to loans	-0.0104%	5,958
Credit loss provision to net charge-offs	-1,500.0000%	5,990
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.8626%	2,517
Assets per employee ($millions)	4.7253%	2,625
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	1.4006%	4,614
Loan loss allowance to noncurrent loans	140.9922%	2,283
Noncurrent assets plus other real estate owned to assets	0.9629%	4,581
Noncurrent loans to loans	0.9934%	4,689
Net loans and leases to total assets	40.2250%	6,332
Net loans and leases to deposits	46.5209%	6,388
Net loans and leases to core deposits	48.8455%	6,408
Total domestic deposits to total assets	86.4665%	3,267
Equity capital to assets	12.4204%	1,777
Core capital (leverage) ratio	12.1123%	1,524
Tier 1 risk-based capital ratio	23.8027%	1,028
Total risk-based capital ratio	24.9836%	1,021
Memoranda:
Average total assets	$91,684,500	5,157
Average earning assets	$85,772,000	5,091
Average equity	$11,675,000	4,680
Average total loans	$38,565,500	5,705
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2694%	5,854
Cost of funding earning assets	0.7364%	5,305
Net interest margin	3.5330%	5,010
Noninterest income to average assets	0.3115%	5,317
Noninterest expense to average assets	2.6649%	4,869
Loan and lease loss provision to assets	0.0705%	5,737
Net operating income to assets	0.6977%	3,504
Return on assets (ROA)	0.7418%	3,455
Pretax return on assets	0.9486%	3,433
Return on Equity (ROE)	5.6903%	4,030
Retained earnings to average equity (ytd only)	5.2394%	2,488
Net charge-offs to loans	0.2835%	4,007
Credit loss provision to net charge-offs	56.6038%	5,254
Earnings coverage of net charge-offs (x)	7.7264%	2,281
Efficiency ratio	73.4608%	3,311
Assets per employee ($millions)	4.4432%	3,000
Cash dividends to net income (ytd only)*	7.9239%	3,912
Condition Ratios (%)
Loss allowance to loans	1.3584%	4,637
Loan loss allowance to noncurrent loans	200.0000%	1,655
Noncurrent assets plus other real estate owned to assets	0.8879%	4,841
Noncurrent loans to loans	0.6792%	5,342
Net loans and leases to total assets	42.8210%	6,315
Net loans and leases to deposits	49.8546%	6,372
Net loans and leases to core deposits	53.1289%	6,360
Total domestic deposits to total assets	85.8918%	3,373
Equity capital to assets	13.0673%	1,454
Core capital (leverage) ratio	12.2931%	1,446
Tier 1 risk-based capital ratio	23.8822%	975
Total risk-based capital ratio	25.0467%	969
Memoranda:
Average total assets	$85,068,800	5,308
Average earning assets	$79,846,600	5,235
Average equity	$11,089,000	4,757
Average total loans	$37,392,200	5,816
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3276%	5,856
Cost of funding earning assets	0.7539%	5,446
Net interest margin	3.5737%	4,874
Noninterest income to average assets	0.3138%	5,356
Noninterest expense to average assets	2.6501%	4,905
Loan and lease loss provision to assets	0.0713%	5,561
Net operating income to assets	0.7061%	3,585
Return on assets (ROA)	0.7624%	3,490
Pretax return on assets	1.0271%	3,302
Return on Equity (ROE)	5.8524%	4,090
Retained earnings to average equity (ytd only)	5.2440%	3,029
Net charge-offs to loans	0.0539%	5,433
Credit loss provision to net charge-offs	300.0000%	944
Earnings coverage of net charge-offs (x)	42.9990%	737
Efficiency ratio	72.1623%	3,522
Assets per employee ($millions)	4.3344%	3,206
Cash dividends to net income (ytd only)*	10.3957%	3,257
Condition Ratios (%)
Loss allowance to loans	1.5683%	3,807
Loan loss allowance to noncurrent loans	64.3087%	4,244
Noncurrent assets plus other real estate owned to assets	1.0763%	4,614
Noncurrent loans to loans	2.4386%	2,836
Net loans and leases to total assets	43.4420%	6,390
Net loans and leases to deposits	51.0250%	6,440
Net loans and leases to core deposits	54.5506%	6,421
Total domestic deposits to total assets	85.1387%	3,705
Equity capital to assets	13.3479%	1,442
Core capital (leverage) ratio	12.6021%	1,388
Tier 1 risk-based capital ratio	24.0367%	1,007
Total risk-based capital ratio	25.2863%	996
Memoranda:
Average total assets	$84,120,250	5,375
Average earning assets	$79,056,500	5,299
Average equity	$10,958,250	4,812
Average total loans	$37,096,250	5,873
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3005%	6,022
Cost of funding earning assets	0.7636%	5,603
Net interest margin	3.5369%	4,987
Noninterest income to average assets	0.3075%	5,436
Noninterest expense to average assets	2.6326%	5,070
Loan and lease loss provision to assets	0.0721%	5,410
Net operating income to assets	0.7253%	3,412
Return on assets (ROA)	0.7590%	3,378
Pretax return on assets	0.9728%	3,347
Return on Equity (ROE)	5.8769%	4,029
Retained earnings to average equity (ytd only)	4.9470%	3,037
Net charge-offs to loans	0.0763%	4,878
Credit loss provision to net charge-offs	214.2857%	1,393
Earnings coverage of net charge-offs (x)	29.7857%	923
Efficiency ratio	72.4389%	3,647
Assets per employee ($millions)	4.2662%	3,223
Cash dividends to net income (ytd only)*	15.8228%	2,991
Condition Ratios (%)
Loss allowance to loans	1.5526%	3,897
Loan loss allowance to noncurrent loans	62.8755%	4,299
Noncurrent assets plus other real estate owned to assets	1.1029%	4,685
Noncurrent loans to loans	2.4693%	2,919
Net loans and leases to total assets	43.5493%	6,471
Net loans and leases to deposits	50.7387%	6,549
Net loans and leases to core deposits	54.3397%	6,537
Total domestic deposits to total assets	85.8305%	3,422
Equity capital to assets	12.9940%	1,516
Core capital (leverage) ratio	12.3649%	1,417
Tier 1 risk-based capital ratio	23.8588%	1,019
Total risk-based capital ratio	25.1098%	1,006
Memoranda:
Average total assets	$83,264,330	5,449
Average earning assets	$78,316,670	5,365
Average equity	$10,754,000	4,855
Average total loans	$36,708,670	5,946
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2947%	6,031
Cost of funding earning assets	0.7856%	5,638
Net interest margin	3.5092%	4,968
Noninterest income to average assets	0.3113%	5,440
Noninterest expense to average assets	2.6023%	5,217
Loan and lease loss provision to assets	0.0730%	5,087
Net operating income to assets	0.7343%	3,355
Return on assets (ROA)	0.8026%	3,086
Pretax return on assets	1.0263%	3,037
Return on Equity (ROE)	6.2338%	3,763
Retained earnings to average equity (ytd only)	6.2338%	2,505
Net charge-offs to loans	0.1547%	3,563
Credit loss provision to net charge-offs	107.1429%	2,486
Earnings coverage of net charge-offs (x)	14.8571%	1,346
Efficiency ratio	72.0054%	3,865
Assets per employee ($millions)	4.4397%	2,996
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	1.5831%	3,801
Loan loss allowance to noncurrent loans	60.0421%	4,423
Noncurrent assets plus other real estate owned to assets	1.1689%	4,605
Noncurrent loans to loans	2.6367%	2,863
Net loans and leases to total assets	42.0805%	6,609
Net loans and leases to deposits	48.6921%	6,710
Net loans and leases to core deposits	54.4742%	6,527
Total domestic deposits to total assets	86.4217%	3,276
Equity capital to assets	12.6750%	1,534
Core capital (leverage) ratio	12.4772%	1,335
Tier 1 risk-based capital ratio	24.2432%	951
Total risk-based capital ratio	25.4940%	938
Memoranda:
Average total assets	$82,234,500	5,518
Average earning assets	$77,397,000	5,429
Average equity	$10,587,500	4,897
Average total loans	$36,191,000	6,019
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6515%	5,950
Cost of funding earning assets	1.0249%	5,560
Net interest margin	3.6266%	4,690
Noninterest income to average assets	0.3603%	5,227
Noninterest expense to average assets	2.7972%	4,621
Loan and lease loss provision to assets	0.1789%	5,431
Net operating income to assets	0.6031%	3,653
Return on assets (ROA)	0.7129%	3,309
Pretax return on assets	0.9096%	3,246
Return on Equity (ROE)	5.3973%	3,900
Retained earnings to average equity (ytd only)	5.3973%	2,179
Net charge-offs to loans	0.1010%	5,854
Credit loss provision to net charge-offs	414.7059%	579
Earnings coverage of net charge-offs (x)	21.9706%	942
Efficiency ratio	74.6951%	3,256
Assets per employee ($millions)	4.2165%	3,358
Cash dividends to net income (ytd only)*	0.0000%	3,950
Condition Ratios (%)
Loss allowance to loans	1.5696%	3,696
Loan loss allowance to noncurrent loans	56.3241%	4,636
Noncurrent assets plus other real estate owned to assets	1.2769%	4,483
Noncurrent loans to loans	2.7868%	2,734
Net loans and leases to total assets	44.6164%	6,667
Net loans and leases to deposits	51.9225%	6,750
Net loans and leases to core deposits	54.6227%	6,777
Total domestic deposits to total assets	85.9288%	3,396
Equity capital to assets	13.0851%	1,354
Core capital (leverage) ratio	12.4684%	1,330
Tier 1 risk-based capital ratio	24.4176%	896
Total risk-based capital ratio	25.6809%	880
Memoranda:
Average total assets	$78,829,200	5,625
Average earning assets	$73,567,200	5,553
Average equity	$10,412,600	5,007
Average total loans	$33,656,800	6,224
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6582%	6,157
Cost of funding earning assets	1.0772%	5,559
Net interest margin	3.5809%	4,967
Noninterest income to average assets	0.3583%	5,303
Noninterest expense to average assets	2.8447%	4,296
Loan and lease loss provision to assets	0.1613%	5,418
Net operating income to assets	0.5347%	4,164
Return on assets (ROA)	0.6759%	3,681
Pretax return on assets	0.8780%	3,629
Return on Equity (ROE)	5.1049%	4,238
Retained earnings to average equity (ytd only)	5.1049%	2,911
Net charge-offs to loans	0.1374%	5,199
Credit loss provision to net charge-offs	279.4118%	1,164
Earnings coverage of net charge-offs (x)	14.8242%	1,479
Efficiency ratio	76.8701%	2,783
Assets per employee ($millions)	4.2167%	3,415
Cash dividends to net income (ytd only)*	0.0000%	3,526
Condition Ratios (%)
Loss allowance to loans	1.5123%	3,906
Loan loss allowance to noncurrent loans	48.9720%	5,029
Noncurrent assets plus other real estate owned to assets	1.4628%	4,259
Noncurrent loans to loans	3.0881%	2,583
Net loans and leases to total assets	42.5934%	6,943
Net loans and leases to deposits	50.1764%	7,003
Net loans and leases to core deposits	52.8865%	7,012
Total domestic deposits to total assets	84.8873%	3,674
Equity capital to assets	13.5325%	1,333
Core capital (leverage) ratio	12.4741%	1,419
Tier 1 risk-based capital ratio	24.8244%	869
Total risk-based capital ratio	26.0760%	857
Memoranda:
Average total assets	$78,508,000	5,704
Average earning assets	$73,274,750	5,627
Average equity	$10,395,000	5,088
Average total loans	$32,992,500	6,341
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6665%	6,255
Cost of funding earning assets	1.1082%	5,625
Net interest margin	3.5583%	5,012
Noninterest income to average assets	0.3514%	5,338
Noninterest expense to average assets	2.9242%	3,986
Loan and lease loss provision to assets	0.1565%	5,334
Net operating income to assets	0.4828%	4,401
Return on assets (ROA)	0.6490%	3,786
Pretax return on assets	0.7926%	3,907
Return on Equity (ROE)	4.9385%	4,316
Retained earnings to average equity (ytd only)	4.9385%	2,941
Net charge-offs to loans	0.2096%	4,354
Credit loss provision to net charge-offs	179.4118%	2,183
Earnings coverage of net charge-offs (x)	8.5588%	2,124
Efficiency ratio	79.6646%	2,482
Assets per employee ($millions)	4.2442%	3,313
Cash dividends to net income (ytd only)*	0.0000%	3,319
Condition Ratios (%)
Loss allowance to loans	1.4406%	4,232
Loan loss allowance to noncurrent loans	72.1649%	3,743
Noncurrent assets plus other real estate owned to assets	1.0057%	5,135
Noncurrent loans to loans	1.9962%	3,721
Net loans and leases to total assets	41.5724%	7,063
Net loans and leases to deposits	48.4234%	7,146
Net loans and leases to core deposits	50.8633%	7,178
Total domestic deposits to total assets	85.8519%	3,176
Equity capital to assets	12.8956%	1,609
Core capital (leverage) ratio	12.3426%	1,477
Tier 1 risk-based capital ratio	24.3633%	906
Total risk-based capital ratio	25.5702%	887
Memoranda:
Average total assets	$77,971,330	5,758
Average earning assets	$72,731,670	5,682
Average equity	$10,246,000	5,130
Average total loans	$32,440,330	6,411
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6965%	6,255
Cost of funding earning assets	1.1406%	5,698
Net interest margin	3.5559%	4,919
Noninterest income to average assets	0.3549%	5,301
Noninterest expense to average assets	3.0064%	3,658
Loan and lease loss provision to assets	0.0783%	5,856
Net operating income to assets	0.5585%	4,091
Return on assets (ROA)	0.5585%	4,235
Pretax return on assets	0.5898%	4,648
Return on Equity (ROE)	4.2087%	4,798
Retained earnings to average equity (ytd only)	4.2087%	3,623
Net charge-offs to loans	0.4423%	2,720
Credit loss provision to net charge-offs	42.8571%	4,589
Earnings coverage of net charge-offs (x)	3.6571%	2,834
Efficiency ratio	81.8182%	2,291
Assets per employee ($millions)	3.9528%	3,988
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	1.3822%	4,507
Loan loss allowance to noncurrent loans	70.6539%	3,822
Noncurrent assets plus other real estate owned to assets	0.8564%	5,445
Noncurrent loans to loans	1.9563%	3,849
Net loans and leases to total assets	39.9810%	7,253
Net loans and leases to deposits	46.5370%	7,308
Net loans and leases to core deposits	48.9333%	7,322
Total domestic deposits to total assets	85.9123%	3,202
Equity capital to assets	12.9682%	1,540
Core capital (leverage) ratio	12.6634%	1,341
Tier 1 risk-based capital ratio	25.0772%	854
Total risk-based capital ratio	26.2171%	848
Memoranda:
Average total assets	$76,637,000	5,861
Average earning assets	$71,543,000	5,795
Average equity	$10,169,500	5,190
Average total loans	$31,653,500	6,536
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2500%	5,411
Cost of funding earning assets	1.3525%	6,133
Net interest margin	3.8975%	3,278
Noninterest income to average assets	0.4050%	5,166
Noninterest expense to average assets	3.0673%	3,884
Loan and lease loss provision to assets	0.1397%	6,244
Net operating income to assets	0.6445%	3,159
Return on assets (ROA)	0.6845%	3,060
Pretax return on assets	0.8599%	3,053
Return on Equity (ROE)	4.8618%	3,730
Retained earnings to average equity (ytd only)	4.8112%	1,917
Net charge-offs to loans	0.4062%	4,192
Credit loss provision to net charge-offs	79.6748%	6,285
Earnings coverage of net charge-offs (x)	5.4146%	2,607
Efficiency ratio	76.3578%	3,467
Assets per employee ($millions)	3.7110%	4,495
Cash dividends to net income (ytd only)*	1.0417%	4,003
Condition Ratios (%)
Loss allowance to loans	1.4813%	3,829
Loan loss allowance to noncurrent loans	85.7407%	3,239
Noncurrent assets plus other real estate owned to assets	0.7922%	5,522
Noncurrent loans to loans	1.7276%	4,045
Net loans and leases to total assets	41.4907%	7,275
Net loans and leases to deposits	48.6300%	7,331
Net loans and leases to core deposits	57.7705%	7,347
Total domestic deposits to total assets	85.3191%	3,402
Equity capital to assets	13.5909%	1,285
Core capital (leverage) ratio	13.0873%	1,226
Tier 1 risk-based capital ratio	25.7736%	776
Total risk-based capital ratio	27.0118%	769
Memoranda:
Average total assets	$70,127,200	5,997
Average earning assets	$64,990,200	5,957
Average equity	$9,872,800	5,330
Average total loans	$30,282,400	6,609
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3227%	5,312
Cost of funding earning assets	1.3937%	6,254
Net interest margin	3.9290%	3,129
Noninterest income to average assets	0.4206%	5,129
Noninterest expense to average assets	3.1237%	3,564
Loan and lease loss provision to assets	0.0695%	6,667
Net operating income to assets	0.6786%	3,281
Return on assets (ROA)	0.7312%	3,157
Pretax return on assets	0.9338%	3,117
Return on Equity (ROE)	5.1462%	3,903
Retained earnings to average equity (ytd only)	5.0783%	2,443
Net charge-offs to loans	0.0577%	6,128
Credit loss provision to net charge-offs	276.9231%	1,517
Earnings coverage of net charge-offs (x)	37.3139%	789
Efficiency ratio	76.9487%	3,328
Assets per employee ($millions)	3.4019%	5,161
Cash dividends to net income (ytd only)*	1.3200%	3,675
Condition Ratios (%)
Loss allowance to loans	1.6766%	2,712
Loan loss allowance to noncurrent loans	69.7135%	3,832
Noncurrent assets plus other real estate owned to assets	1.1016%	4,877
Noncurrent loans to loans	2.4050%	3,132
Net loans and leases to total assets	41.9477%	7,367
Net loans and leases to deposits	49.7402%	7,423
Net loans and leases to core deposits	58.7531%	7,441
Total domestic deposits to total assets	84.3335%	3,560
Equity capital to assets	14.1141%	1,270
Core capital (leverage) ratio	13.4744%	1,238
Tier 1 risk-based capital ratio	26.6848%	776
Total risk-based capital ratio	27.9357%	751
Memoranda:
Average total assets	$69,104,250	6,070
Average earning assets	$64,001,000	6,034
Average equity	$9,819,250	5,393
Average total loans	$30,038,750	6,678
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4179%	5,046
Cost of funding earning assets	1.4298%	6,379
Net interest margin	3.9881%	2,751
Noninterest income to average assets	0.4157%	5,156
Noninterest expense to average assets	3.1291%	3,584
Loan and lease loss provision to assets	0.0703%	6,498
Net operating income to assets	0.7123%	3,204
Return on assets (ROA)	0.7493%	3,153
Pretax return on assets	0.9455%	3,194
Return on Equity (ROE)	5.2614%	3,971
Retained earnings to average equity (ytd only)	5.1586%	2,422
Net charge-offs to loans	0.0736%	5,475
Credit loss provision to net charge-offs	218.1818%	2,107
Earnings coverage of net charge-offs (x)	30.0909%	995
Efficiency ratio	76.3571%	3,628
Assets per employee ($millions)	3.3356%	5,222
Cash dividends to net income (ytd only)*	1.9531%	3,512
Condition Ratios (%)
Loss allowance to loans	1.6349%	2,595
Loan loss allowance to noncurrent loans	91.9266%	3,118
Noncurrent assets plus other real estate owned to assets	0.8409%	5,310
Noncurrent loans to loans	1.7784%	3,832
Net loans and leases to total assets	43.0333%	7,394
Net loans and leases to deposits	50.8331%	7,448
Net loans and leases to core deposits	60.0191%	7,453
Total domestic deposits to total assets	84.6562%	3,417
Equity capital to assets	13.9504%	1,331
Core capital (leverage) ratio	13.4872%	1,276
Tier 1 risk-based capital ratio	26.6529%	804
Total risk-based capital ratio	27.9044%	783
Memoranda:
Average total assets	$68,326,000	6,140
Average earning assets	$63,087,000	6,111
Average equity	$9,731,330	5,446
Average total loans	$29,892,330	6,739
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4033%	5,411
Cost of funding earning assets	1.4456%	6,593
Net interest margin	3.9577%	2,822
Noninterest income to average assets	0.4210%	5,042
Noninterest expense to average assets	3.1483%	3,195
Loan and lease loss provision to assets	0.0711%	6,073
Net operating income to assets	0.7141%	3,482
Return on assets (ROA)	0.7589%	3,478
Pretax return on assets	0.9071%	3,690
Return on Equity (ROE)	5.2724%	4,346
Retained earnings to average equity (ytd only)	5.2724%	2,976
Net charge-offs to loans	0.0000%	5,728
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.2926%	3,285
Assets per employee ($millions)	3.2671%	5,412
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	1.6859%	2,186
Loan loss allowance to noncurrent loans	58.8235%	4,666
Noncurrent assets plus other real estate owned to assets	1.3030%	4,069
Noncurrent loans to loans	2.8660%	2,280
Net loans and leases to total assets	42.4988%	7,438
Net loans and leases to deposits	50.3758%	7,477
Net loans and leases to core deposits	58.3230%	7,520
Total domestic deposits to total assets	84.3636%	3,522
Equity capital to assets	14.2620%	1,291
Core capital (leverage) ratio	13.8737%	1,216
Tier 1 risk-based capital ratio	27.2059%	806
Total risk-based capital ratio	28.4593%	782
Memoranda:
Average total assets	$67,465,000	6,201
Average earning assets	$62,258,000	6,164
Average equity	$9,711,000	5,474
Average total loans	$29,516,000	6,797
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.8067%	6,404
Cost of funding earning assets	1.8851%	6,774
Net interest margin	3.9216%	3,475
Noninterest income to average assets	0.4760%	4,829
Noninterest expense to average assets	3.2384%	3,194
Loan and lease loss provision to assets	0.0723%	6,490
Net operating income to assets	0.6276%	4,197
Return on assets (ROA)	0.7109%	3,675
Pretax return on assets	0.8992%	3,724
Return on Equity (ROE)	5.1686%	4,299
Retained earnings to average equity (ytd only)	5.1686%	1,922
Net charge-offs to loans	0.0066%	6,866
Credit loss provision to net charge-offs	2,400.0000%	195
Earnings coverage of net charge-offs (x)	287.5000%	166
Efficiency ratio	78.8991%	2,775
Assets per employee ($millions)	3.1581%	5,601
Cash dividends to net income (ytd only)*	0.0000%	4,825
Condition Ratios (%)
Loss allowance to loans	1.6613%	2,027
Loan loss allowance to noncurrent loans	94.9416%	3,610
Noncurrent assets plus other real estate owned to assets	0.8414%	4,743
Noncurrent loans to loans	1.7498%	3,140
Net loans and leases to total assets	43.5548%	7,496
Net loans and leases to deposits	51.7754%	7,543
Net loans and leases to core deposits	60.4449%	7,566
Total domestic deposits to total assets	84.1227%	3,262
Equity capital to assets	14.5308%	1,289
Core capital (leverage) ratio	13.9927%	1,258
Tier 1 risk-based capital ratio	27.3191%	808
Total risk-based capital ratio	28.5714%	780
Memoranda:
Average total assets	$66,390,800	6,147
Average earning assets	$61,429,200	6,114
Average equity	$9,132,000	5,696
Average total loans	$30,080,000	6,706