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Bank of Grand Lake, Performance and Condition Ratios

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2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6092%	2,872
Cost of funding earning assets	1.3803%	2,282
Net interest margin	3.2289%	2,799
Noninterest income to average assets	0.5500%	1,725
Noninterest expense to average assets	2.1166%	3,369
Loan and lease loss provision to assets	0.0700%	1,699
Net operating income to assets	1.4059%	1,207
Return on assets (ROA)	1.4059%	1,181
Pretax return on assets	1.4059%	1,620
Return on Equity (ROE)	17.5400%	886
Retained earnings to average equity (ytd only)	8.2765%	1,465
Net charge-offs to loans	0.0064%	2,459
Credit loss provision to net charge-offs	1,944.4444%	232
Earnings coverage of net charge-offs (x)	401.2222%	352
Efficiency ratio	58.8912%	3,200
Assets per employee ($millions)	6.6931%	2,273
Cash dividends to net income (ytd only)*	52.8231%	1,497
Condition Ratios (%)
Loss allowance to loans	0.4844%	4,346
Loan loss allowance to noncurrent loans	0.0000%	3,805
Noncurrent assets plus other real estate owned to assets	0.0220%	3,579
Noncurrent loans to loans	0.0000%	3,821
Net loans and leases to total assets	61.0400%	2,752
Net loans and leases to deposits	70.2955%	2,873
Net loans and leases to core deposits	80.6270%	2,674
Total domestic deposits to total assets	86.8400%	1,736
Equity capital to assets	8.4486%	3,087
Core capital (leverage) ratio	8.4154%	4,154
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.0082%	1,277
Memoranda:
Average total assets	$244,396,400	2,715
Average earning assets	$230,668,200	2,685
Average equity	$19,585,600	2,896
Average total loans	$141,088,800	2,756
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5085%	2,896
Cost of funding earning assets	1.2963%	2,162
Net interest margin	3.2122%	2,890
Noninterest income to average assets	0.5900%	1,557
Noninterest expense to average assets	2.0924%	3,376
Loan and lease loss provision to assets	0.1000%	1,184
Net operating income to assets	1.4336%	1,248
Return on assets (ROA)	1.4336%	1,233
Pretax return on assets	1.4336%	1,706
Return on Equity (ROE)	18.1300%	933
Retained earnings to average equity (ytd only)	9.1922%	1,637
Net charge-offs to loans	0.0029%	2,430
Credit loss provision to net charge-offs	5,833.3333%	96
Earnings coverage of net charge-offs (x)	937.3333%	173
Efficiency ratio	57.7841%	3,230
Assets per employee ($millions)	6.8320%	2,084
Cash dividends to net income (ytd only)*	49.2984%	1,275
Condition Ratios (%)
Loss allowance to loans	0.7690%	4,037
Loan loss allowance to noncurrent loans	0.0000%	3,833
Noncurrent assets plus other real estate owned to assets	0.0094%	3,762
Noncurrent loans to loans	0.0000%	3,847
Net loans and leases to total assets	57.3400%	3,090
Net loans and leases to deposits	65.4987%	3,174
Net loans and leases to core deposits	74.2206%	2,985
Total domestic deposits to total assets	87.5500%	1,718
Equity capital to assets	8.1613%	2,953
Core capital (leverage) ratio	8.0792%	4,362
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.9590%	1,329
Memoranda:
Average total assets	$245,257,750	2,718
Average earning assets	$231,528,250	2,684
Average equity	$19,392,750	2,899
Average total loans	$139,410,250	2,782
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3842%	2,923
Cost of funding earning assets	1.1818%	2,045
Net interest margin	3.2023%	2,991
Noninterest income to average assets	0.7800%	903
Noninterest expense to average assets	2.1467%	3,224
Loan and lease loss provision to assets	0.1400%	795
Net operating income to assets	1.5109%	1,080
Return on assets (ROA)	1.5109%	1,080
Pretax return on assets	1.5109%	1,577
Return on Equity (ROE)	19.3200%	788
Retained earnings to average equity (ytd only)	8.8803%	1,716
Net charge-offs to loans	0.0217%	1,453
Credit loss provision to net charge-offs	1,166.6667%	371
Earnings coverage of net charge-offs (x)	135.0667%	790
Efficiency ratio	56.4863%	3,358
Assets per employee ($millions)	6.9229%	1,989
Cash dividends to net income (ytd only)*	54.0249%	1,157
Condition Ratios (%)
Loss allowance to loans	0.7884%	4,051
Loan loss allowance to noncurrent loans	0.0000%	3,834
Noncurrent assets plus other real estate owned to assets	0.0090%	3,760
Noncurrent loans to loans	0.0000%	3,848
Net loans and leases to total assets	53.3500%	3,316
Net loans and leases to deposits	63.2883%	3,241
Net loans and leases to core deposits	71.1510%	3,057
Total domestic deposits to total assets	84.3000%	2,750
Equity capital to assets	7.6471%	3,436
Core capital (leverage) ratio	7.8460%	4,451
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.3347%	1,479
Memoranda:
Average total assets	$245,026,000	2,726
Average earning assets	$231,332,333	2,697
Average equity	$19,166,000	2,930
Average total loans	$138,503,667	2,789
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1827%	3,079
Cost of funding earning assets	0.9787%	2,118
Net interest margin	3.2040%	3,108
Noninterest income to average assets	1.3900%	356
Noninterest expense to average assets	2.4271%	2,448
Loan and lease loss provision to assets	0.2900%	299
Net operating income to assets	1.6938%	831
Return on assets (ROA)	1.6938%	827
Pretax return on assets	1.6938%	1,279
Return on Equity (ROE)	21.4000%	630
Retained earnings to average equity (ytd only)	10.8467%	1,504
Net charge-offs to loans	0.0029%	1,914
Credit loss provision to net charge-offs	17,500.0000%	26
Earnings coverage of net charge-offs (x)	1,189.0000%	84
Efficiency ratio	54.9962%	3,507
Assets per employee ($millions)	6.6229%	2,247
Cash dividends to net income (ytd only)*	49.3097%	1,207
Condition Ratios (%)
Loss allowance to loans	0.7894%	4,103
Loan loss allowance to noncurrent loans	256.8075%	2,395
Noncurrent assets plus other real estate owned to assets	0.1832%	2,232
Noncurrent loans to loans	0.3074%	2,043
Net loans and leases to total assets	56.1100%	3,034
Net loans and leases to deposits	63.8195%	3,104
Net loans and leases to core deposits	70.9540%	2,883
Total domestic deposits to total assets	87.9200%	1,955
Equity capital to assets	7.8527%	3,346
Core capital (leverage) ratio	8.0668%	4,401
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.8646%	1,663
Memoranda:
Average total assets	$239,465,000	2,796
Average earning assets	$225,596,500	2,767
Average equity	$18,955,000	2,985
Average total loans	$138,883,000	2,808
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5233%	3,018
Cost of funding earning assets	0.4264%	1,890
Net interest margin	3.0968%	3,179
Noninterest income to average assets	0.3000%	3,332
Noninterest expense to average assets	1.9511%	3,710
Loan and lease loss provision to assets	0.0000%	2,926
Net operating income to assets	1.2745%	1,516
Return on assets (ROA)	1.2631%	1,505
Pretax return on assets	1.2631%	2,226
Return on Equity (ROE)	17.4000%	796
Retained earnings to average equity (ytd only)	7.8095%	1,914
Net charge-offs to loans	-0.0251%	4,139
Credit loss provision to net charge-offs	0.0000%	1,979
Earnings coverage of net charge-offs (x)	0.0000%	2,564
Efficiency ratio	60.4876%	2,987
Assets per employee ($millions)	6.8789%	2,060
Cash dividends to net income (ytd only)*	55.1232%	1,167
Condition Ratios (%)
Loss allowance to loans	0.6732%	4,245
Loan loss allowance to noncurrent loans	0.0000%	3,900
Noncurrent assets plus other real estate owned to assets	0.0098%	3,793
Noncurrent loans to loans	0.0000%	3,914
Net loans and leases to total assets	59.1100%	2,719
Net loans and leases to deposits	64.2936%	3,016
Net loans and leases to core deposits	72.3814%	2,696
Total domestic deposits to total assets	91.9300%	657
Equity capital to assets	7.9814%	3,069
Core capital (leverage) ratio	7.8991%	4,460
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.2883%	1,854
Memoranda:
Average total assets	$244,165,800	2,763
Average earning assets	$230,977,400	2,727
Average equity	$17,722,000	3,148
Average total loans	$131,349,600	2,814
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3198%	3,127
Cost of funding earning assets	0.3224%	1,939
Net interest margin	2.9973%	3,225
Noninterest income to average assets	0.2000%	3,989
Noninterest expense to average assets	1.8837%	3,786
Loan and lease loss provision to assets	0.0000%	2,752
Net operating income to assets	1.1575%	1,869
Return on assets (ROA)	1.1423%	1,889
Pretax return on assets	1.1423%	2,585
Return on Equity (ROE)	16.1200%	953
Retained earnings to average equity (ytd only)	4.6818%	3,204
Net charge-offs to loans	-0.0330%	4,162
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	0.0000%	2,297
Efficiency ratio	61.9403%	2,835
Assets per employee ($millions)	7.2337%	1,791
Cash dividends to net income (ytd only)*	70.9555%	600
Condition Ratios (%)
Loss allowance to loans	0.7001%	4,248
Loan loss allowance to noncurrent loans	917.6471%	1,047
Noncurrent assets plus other real estate owned to assets	0.0524%	3,357
Noncurrent loans to loans	0.0763%	3,328
Net loans and leases to total assets	55.6200%	2,940
Net loans and leases to deposits	60.2902%	3,174
Net loans and leases to core deposits	65.4961%	2,986
Total domestic deposits to total assets	92.2500%	797
Equity capital to assets	7.4470%	3,251
Core capital (leverage) ratio	7.2564%	4,633
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.2617%	1,952
Memoranda:
Average total assets	$246,737,000	2,766
Average earning assets	$233,623,000	2,733
Average equity	$17,485,750	3,200
Average total loans	$129,393,000	2,833
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0852%	3,341
Cost of funding earning assets	0.2685%	2,044
Net interest margin	2.8166%	3,393
Noninterest income to average assets	0.1981%	4,007
Noninterest expense to average assets	1.8612%	3,807
Loan and lease loss provision to assets	0.0000%	2,599
Net operating income to assets	1.0032%	2,144
Return on assets (ROA)	0.9807%	2,204
Pretax return on assets	0.9807%	2,796
Return on Equity (ROE)	14.0666%	1,098
Retained earnings to average equity (ytd only)	0.2645%	4,139
Net charge-offs to loans	-0.0516%	4,249
Credit loss provision to net charge-offs	0.0000%	1,663
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	64.9776%	2,640
Assets per employee ($millions)	7.7488%	1,449
Cash dividends to net income (ytd only)*	98.1194%	392
Condition Ratios (%)
Loss allowance to loans	0.7157%	4,306
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0207%	3,794
Noncurrent loans to loans	0.0000%	4,026
Net loans and leases to total assets	50.8293%	3,288
Net loans and leases to deposits	54.5197%	3,505
Net loans and leases to core deposits	58.6860%	3,376
Total domestic deposits to total assets	93.2310%	457
Equity capital to assets	6.7220%	3,930
Core capital (leverage) ratio	6.7525%	4,705
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.0278%	2,050
Memoranda:
Average total assets	$249,411,667	2,781
Average earning assets	$236,098,333	2,750
Average equity	$17,388,667	3,286
Average total loans	$127,958,000	2,870
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9463%	3,412
Cost of funding earning assets	0.2508%	2,147
Net interest margin	2.6955%	3,412
Noninterest income to average assets	0.2128%	3,887
Noninterest expense to average assets	1.8419%	3,832
Loan and lease loss provision to assets	0.0000%	2,285
Net operating income to assets	0.9193%	2,205
Return on assets (ROA)	0.9193%	2,201
Pretax return on assets	0.9193%	2,705
Return on Equity (ROE)	12.9456%	1,046
Retained earnings to average equity (ytd only)	8.3712%	1,462
Net charge-offs to loans	-0.1170%	4,499
Credit loss provision to net charge-offs	0.0000%	1,336
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	66.7059%	2,674
Assets per employee ($millions)	7.2395%	1,826
Cash dividends to net income (ytd only)*	35.3357%	1,617
Condition Ratios (%)
Loss allowance to loans	0.7376%	4,327
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0189%	3,868
Noncurrent loans to loans	0.0000%	4,066
Net loans and leases to total assets	49.9763%	3,177
Net loans and leases to deposits	53.7291%	3,439
Net loans and leases to core deposits	57.7917%	3,313
Total domestic deposits to total assets	93.0153%	271
Equity capital to assets	6.9558%	4,234
Core capital (leverage) ratio	7.1031%	4,672
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.2200%	2,110
Memoranda:
Average total assets	$246,262,000	2,804
Average earning assets	$232,834,500	2,783
Average equity	$17,488,500	3,362
Average total loans	$126,480,500	2,887
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4949%	2,678
Cost of funding earning assets	0.3554%	1,890
Net interest margin	3.1394%	2,768
Noninterest income to average assets	0.5126%	2,507
Noninterest expense to average assets	2.1990%	3,092
Loan and lease loss provision to assets	0.0000%	3,064
Net operating income to assets	1.2517%	1,740
Return on assets (ROA)	1.3697%	1,428
Pretax return on assets	1.3697%	2,141
Return on Equity (ROE)	19.0415%	375
Retained earnings to average equity (ytd only)	12.0735%	528
Net charge-offs to loans	0.0169%	1,951
Credit loss provision to net charge-offs	0.0000%	2,330
Earnings coverage of net charge-offs (x)	124.8636%	757
Efficiency ratio	63.7264%	2,606
Assets per employee ($millions)	6.2932%	2,496
Cash dividends to net income (ytd only)*	36.5935%	2,207
Condition Ratios (%)
Loss allowance to loans	0.7210%	4,389
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0201%	3,935
Noncurrent loans to loans	0.0000%	4,145
Net loans and leases to total assets	52.0549%	3,061
Net loans and leases to deposits	57.4633%	3,299
Net loans and leases to core deposits	62.1612%	3,149
Total domestic deposits to total assets	90.5879%	680
Equity capital to assets	7.2560%	4,662
Core capital (leverage) ratio	7.2704%	4,683
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.1642%	2,178
Memoranda:
Average total assets	$219,461,200	2,909
Average earning assets	$205,387,800	2,912
Average equity	$15,786,600	3,561
Average total loans	$130,136,400	2,853
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5133%	2,790
Cost of funding earning assets	0.3836%	1,831
Net interest margin	3.1297%	2,964
Noninterest income to average assets	0.5432%	2,445
Noninterest expense to average assets	2.2603%	2,862
Loan and lease loss provision to assets	0.0000%	2,963
Net operating income to assets	1.2087%	2,141
Return on assets (ROA)	1.3697%	1,687
Pretax return on assets	1.3697%	2,437
Return on Equity (ROE)	19.0877%	506
Retained earnings to average equity (ytd only)	9.5612%	1,462
Net charge-offs to loans	0.0711%	937
Credit loss provision to net charge-offs	0.0000%	2,044
Earnings coverage of net charge-offs (x)	27.7857%	1,565
Efficiency ratio	65.1559%	2,224
Assets per employee ($millions)	6.6062%	2,172
Cash dividends to net income (ytd only)*	49.9093%	1,196
Condition Ratios (%)
Loss allowance to loans	0.6702%	4,550
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0202%	4,061
Noncurrent loans to loans	0.0000%	4,237
Net loans and leases to total assets	53.3428%	3,042
Net loans and leases to deposits	58.7556%	3,340
Net loans and leases to core deposits	63.6760%	3,169
Total domestic deposits to total assets	90.7876%	441
Equity capital to assets	6.9590%	4,814
Core capital (leverage) ratio	7.2459%	4,763
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.4132%	2,577
Memoranda:
Average total assets	$214,541,500	2,985
Average earning assets	$200,568,500	2,987
Average equity	$15,395,250	3,638
Average total loans	$131,323,500	2,875
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6092%	2,595
Cost of funding earning assets	0.4341%	1,626
Net interest margin	3.1751%	2,831
Noninterest income to average assets	0.5503%	2,404
Noninterest expense to average assets	2.3358%	2,656
Loan and lease loss provision to assets	0.0000%	2,862
Net operating income to assets	1.1858%	2,243
Return on assets (ROA)	1.4363%	1,530
Pretax return on assets	1.4363%	2,225
Return on Equity (ROE)	19.7864%	468
Retained earnings to average equity (ytd only)	6.4622%	2,633
Net charge-offs to loans	0.0830%	848
Credit loss provision to net charge-offs	0.0000%	1,801
Earnings coverage of net charge-offs (x)	22.2909%	1,491
Efficiency ratio	66.3279%	2,102
Assets per employee ($millions)	5.4268%	3,214
Cash dividends to net income (ytd only)*	67.3401%	746
Condition Ratios (%)
Loss allowance to loans	0.6656%	4,582
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.1644%	3,161
Noncurrent loans to loans	0.0000%	4,280
Net loans and leases to total assets	61.4142%	2,247
Net loans and leases to deposits	68.0459%	2,614
Net loans and leases to core deposits	74.3835%	2,372
Total domestic deposits to total assets	90.2540%	669
Equity capital to assets	7.1965%	4,805
Core capital (leverage) ratio	7.1495%	4,820
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.4544%	2,557
Memoranda:
Average total assets	$206,781,333	3,042
Average earning assets	$193,508,000	3,037
Average equity	$15,010,333	3,681
Average total loans	$132,525,667	2,868
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6875%	2,392
Cost of funding earning assets	0.4835%	1,491
Net interest margin	3.2040%	2,686
Noninterest income to average assets	0.5657%	2,348
Noninterest expense to average assets	2.3979%	2,496
Loan and lease loss provision to assets	0.0000%	2,741
Net operating income to assets	1.1901%	2,184
Return on assets (ROA)	1.1901%	2,257
Pretax return on assets	1.1901%	2,871
Return on Equity (ROE)	16.3221%	954
Retained earnings to average equity (ytd only)	8.2685%	2,159
Net charge-offs to loans	0.1500%	516
Credit loss provision to net charge-offs	0.0000%	1,471
Earnings coverage of net charge-offs (x)	12.1600%	1,427
Efficiency ratio	66.8303%	2,107
Assets per employee ($millions)	5.3974%	3,226
Cash dividends to net income (ytd only)*	49.3421%	1,124
Condition Ratios (%)
Loss allowance to loans	0.6564%	4,627
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.1881%	3,223
Noncurrent loans to loans	0.0000%	4,341
Net loans and leases to total assets	61.4113%	2,350
Net loans and leases to deposits	69.5906%	2,551
Net loans and leases to core deposits	76.0312%	2,352
Total domestic deposits to total assets	88.2466%	1,718
Equity capital to assets	6.9728%	4,852
Core capital (leverage) ratio	7.1789%	4,859
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.8540%	2,721
Memoranda:
Average total assets	$204,349,500	3,050
Average earning assets	$192,761,500	3,031
Average equity	$14,900,000	3,697
Average total loans	$133,363,000	2,861
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2254%	2,070
Cost of funding earning assets	0.9304%	766
Net interest margin	3.2950%	3,077
Noninterest income to average assets	0.4248%	2,992
Noninterest expense to average assets	2.4526%	2,983
Loan and lease loss provision to assets	0.0000%	4,319
Net operating income to assets	1.0572%	2,077
Return on assets (ROA)	1.0572%	2,212
Pretax return on assets	1.0572%	2,848
Return on Equity (ROE)	14.1247%	780
Retained earnings to average equity (ytd only)	5.0704%	2,245
Net charge-offs to loans	0.0200%	2,666
Credit loss provision to net charge-offs	0.0000%	3,264
Earnings coverage of net charge-offs (x)	75.1111%	932
Efficiency ratio	69.8797%	1,964
Assets per employee ($millions)	4.8201%	3,585
Cash dividends to net income (ytd only)*	64.1026%	1,181
Condition Ratios (%)
Loss allowance to loans	0.6949%	4,597
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.2106%	3,235
Noncurrent loans to loans	0.0000%	4,420
Net loans and leases to total assets	68.6397%	1,746
Net loans and leases to deposits	82.2197%	1,644
Net loans and leases to core deposits	87.3272%	1,761
Total domestic deposits to total assets	83.4832%	3,268
Equity capital to assets	7.6482%	4,812
Core capital (leverage) ratio	7.2592%	4,892
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.5140%	2,800
Memoranda:
Average total assets	$191,836,400	3,013
Average earning assets	$179,604,400	3,003
Average equity	$14,357,800	3,713
Average total loans	$134,968,200	2,804
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2797%	2,163
Cost of funding earning assets	1.0121%	730
Net interest margin	3.2676%	3,290
Noninterest income to average assets	0.5317%	2,468
Noninterest expense to average assets	2.4370%	3,033
Loan and lease loss provision to assets	0.0000%	4,239
Net operating income to assets	1.1503%	1,819
Return on assets (ROA)	1.1503%	1,935
Pretax return on assets	1.1503%	2,567
Return on Equity (ROE)	15.4546%	618
Retained earnings to average equity (ytd only)	5.1702%	2,487
Net charge-offs to loans	0.0148%	2,592
Credit loss provision to net charge-offs	0.0000%	3,006
Earnings coverage of net charge-offs (x)	110.2000%	740
Efficiency ratio	67.9340%	2,202
Assets per employee ($millions)	5.2548%	2,944
Cash dividends to net income (ytd only)*	66.5457%	921
Condition Ratios (%)
Loss allowance to loans	0.6843%	4,602
Loan loss allowance to noncurrent loans	62.5751%	3,848
Noncurrent assets plus other real estate owned to assets	1.0272%	1,066
Noncurrent loans to loans	1.0936%	1,377
Net loans and leases to total assets	64.7646%	2,668
Net loans and leases to deposits	79.8908%	2,327
Net loans and leases to core deposits	86.4274%	2,280
Total domestic deposits to total assets	81.0664%	3,645
Equity capital to assets	6.9322%	4,960
Core capital (leverage) ratio	6.6711%	4,992
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.2771%	2,847
Memoranda:
Average total assets	$191,594,500	2,997
Average earning assets	$179,168,750	2,990
Average equity	$14,260,750	3,725
Average total loans	$135,393,750	2,810
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4715%	2,002
Cost of funding earning assets	1.1306%	653
Net interest margin	3.3409%	3,269
Noninterest income to average assets	0.6160%	2,072
Noninterest expense to average assets	2.5330%	2,870
Loan and lease loss provision to assets	0.0000%	4,134
Net operating income to assets	1.1974%	1,645
Return on assets (ROA)	1.1974%	1,773
Pretax return on assets	1.1974%	2,372
Return on Equity (ROE)	15.6809%	617
Retained earnings to average equity (ytd only)	2.9667%	3,402
Net charge-offs to loans	0.0237%	2,241
Credit loss provision to net charge-offs	0.0000%	2,759
Earnings coverage of net charge-offs (x)	69.3750%	884
Efficiency ratio	67.9005%	2,243
Assets per employee ($millions)	5.2972%	2,841
Cash dividends to net income (ytd only)*	81.0811%	737
Condition Ratios (%)
Loss allowance to loans	0.6863%	4,597
Loan loss allowance to noncurrent loans	47.6845%	4,092
Noncurrent assets plus other real estate owned to assets	1.2459%	854
Noncurrent loans to loans	1.4393%	1,066
Net loans and leases to total assets	63.9904%	2,882
Net loans and leases to deposits	80.0307%	2,422
Net loans and leases to core deposits	88.4560%	2,201
Total domestic deposits to total assets	79.9573%	3,848
Equity capital to assets	6.7149%	4,998
Core capital (leverage) ratio	7.0363%	5,009
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	11.7178%	3,041
Memoranda:
Average total assets	$185,395,333	3,034
Average earning assets	$172,828,667	3,026
Average equity	$14,157,333	3,745
Average total loans	$134,835,667	2,806
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9462%	1,072
Cost of funding earning assets	1.3003%	563
Net interest margin	3.6459%	2,524
Noninterest income to average assets	0.3787%	3,240
Noninterest expense to average assets	2.5861%	3,020
Loan and lease loss provision to assets	0.0000%	3,711
Net operating income to assets	1.1804%	1,582
Return on assets (ROA)	1.1804%	1,703
Pretax return on assets	1.1804%	2,266
Return on Equity (ROE)	14.3889%	629
Retained earnings to average equity (ytd only)	5.8915%	1,920
Net charge-offs to loans	0.0000%	2,581
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	68.6613%	2,561
Assets per employee ($millions)	4.3537%	3,470
Cash dividends to net income (ytd only)*	59.0551%	1,412
Condition Ratios (%)
Loss allowance to loans	0.7117%	4,587
Loan loss allowance to noncurrent loans	67.7809%	3,779
Noncurrent assets plus other real estate owned to assets	1.1950%	1,044
Noncurrent loans to loans	1.0500%	1,582
Net loans and leases to total assets	76.3434%	1,243
Net loans and leases to deposits	85.9377%	2,008
Net loans and leases to core deposits	97.7767%	1,656
Total domestic deposits to total assets	88.8358%	737
Equity capital to assets	8.1690%	4,936
Core capital (leverage) ratio	8.1613%	4,934
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.0161%	3,094
Memoranda:
Average total assets	$172,149,000	3,116
Average earning assets	$159,962,500	3,111
Average equity	$14,122,000	3,758
Average total loans	$133,991,000	2,796
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0497%	1,344
Cost of funding earning assets	1.4799%	423
Net interest margin	3.5698%	3,228
Noninterest income to average assets	0.2951%	3,921
Noninterest expense to average assets	2.5517%	3,316
Loan and lease loss provision to assets	0.0000%	3,973
Net operating income to assets	1.0570%	2,631
Return on assets (ROA)	1.0570%	2,725
Pretax return on assets	1.0570%	3,309
Return on Equity (ROE)	13.5031%	1,007
Retained earnings to average equity (ytd only)	4.7538%	2,554
Net charge-offs to loans	0.0942%	1,786
Credit loss provision to net charge-offs	0.0000%	3,383
Earnings coverage of net charge-offs (x)	14.6984%	2,271
Efficiency ratio	70.7101%	2,065
Assets per employee ($millions)	4.5987%	3,087
Cash dividends to net income (ytd only)*	64.7948%	1,345
Condition Ratios (%)
Loss allowance to loans	0.7108%	4,554
Loan loss allowance to noncurrent loans	59.7118%	3,943
Noncurrent assets plus other real estate owned to assets	1.6027%	602
Noncurrent loans to loans	1.1903%	1,269
Net loans and leases to total assets	78.2400%	1,043
Net loans and leases to deposits	85.3838%	2,165
Net loans and leases to core deposits	107.7655%	989
Total domestic deposits to total assets	91.6334%	60
Equity capital to assets	8.2385%	5,000
Core capital (leverage) ratio	7.9711%	5,047
Tier 1 risk-based capital ratio	11.0780%	4,827
Total risk-based capital ratio	11.8311%	4,917
Memoranda:
Average total assets	$175,216,200	3,063
Average earning assets	$162,643,800	3,060
Average equity	$13,715,400	3,786
Average total loans	$133,704,600	2,787
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1099%	1,266
Cost of funding earning assets	1.4794%	434
Net interest margin	3.6305%	3,168
Noninterest income to average assets	0.3030%	3,926
Noninterest expense to average assets	2.5093%	3,410
Loan and lease loss provision to assets	0.0000%	3,836
Net operating income to assets	1.1628%	2,327
Return on assets (ROA)	1.1628%	2,414
Pretax return on assets	1.1628%	3,095
Return on Equity (ROE)	15.0439%	770
Retained earnings to average equity (ytd only)	5.2688%	2,745
Net charge-offs to loans	0.0509%	2,100
Credit loss provision to net charge-offs	0.0000%	3,032
Earnings coverage of net charge-offs (x)	30.1757%	1,617
Efficiency ratio	68.3333%	2,365
Assets per employee ($millions)	4.9490%	2,615
Cash dividends to net income (ytd only)*	64.9772%	1,115
Condition Ratios (%)
Loss allowance to loans	0.7738%	4,481
Loan loss allowance to noncurrent loans	65.3724%	3,903
Noncurrent assets plus other real estate owned to assets	1.4030%	828
Noncurrent loans to loans	1.1836%	1,328
Net loans and leases to total assets	71.9233%	2,187
Net loans and leases to deposits	77.9550%	3,095
Net loans and leases to core deposits	103.9964%	1,326
Total domestic deposits to total assets	92.2627%	27
Equity capital to assets	7.5942%	5,185
Core capital (leverage) ratio	7.7189%	5,160
Tier 1 risk-based capital ratio	11.0421%	4,892
Total risk-based capital ratio	11.8576%	4,970
Memoranda:
Average total assets	$176,460,750	3,086
Average earning assets	$163,755,750	3,082
Average equity	$13,639,750	3,838
Average total loans	$133,610,750	2,817
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1517%	1,101
Cost of funding earning assets	1.4751%	410
Net interest margin	3.6766%	3,003
Noninterest income to average assets	0.2961%	3,956
Noninterest expense to average assets	2.5344%	3,369
Loan and lease loss provision to assets	0.0000%	3,685
Net operating income to assets	1.1719%	2,249
Return on assets (ROA)	1.1719%	2,326
Pretax return on assets	1.1719%	3,006
Return on Equity (ROE)	15.0690%	745
Retained earnings to average equity (ytd only)	4.7377%	2,893
Net charge-offs to loans	0.0299%	2,258
Credit loss provision to net charge-offs	0.0000%	2,725
Earnings coverage of net charge-offs (x)	51.0500%	1,079
Efficiency ratio	68.3803%	2,470
Assets per employee ($millions)	4.9296%	2,566
Cash dividends to net income (ytd only)*	68.5602%	1,151
Condition Ratios (%)
Loss allowance to loans	0.7918%	4,465
Loan loss allowance to noncurrent loans	59.5721%	4,018
Noncurrent assets plus other real estate owned to assets	1.4628%	779
Noncurrent loans to loans	1.3291%	1,175
Net loans and leases to total assets	74.6983%	1,766
Net loans and leases to deposits	81.0615%	2,839
Net loans and leases to core deposits	111.5812%	881
Total domestic deposits to total assets	92.1500%	33
Equity capital to assets	7.7130%	5,217
Core capital (leverage) ratio	7.7295%	5,208
Tier 1 risk-based capital ratio	11.2970%	4,788
Total risk-based capital ratio	12.1702%	4,859
Memoranda:
Average total assets	$174,243,330	3,119
Average earning assets	$161,617,000	3,115
Average equity	$13,551,000	3,854
Average total loans	$133,905,000	2,827
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1511%	1,000
Cost of funding earning assets	1.4225%	425
Net interest margin	3.7286%	2,789
Noninterest income to average assets	0.3151%	3,750
Noninterest expense to average assets	2.5465%	3,382
Loan and lease loss provision to assets	0.0000%	3,406
Net operating income to assets	1.2304%	1,945
Return on assets (ROA)	1.2304%	1,994
Pretax return on assets	1.2304%	2,699
Return on Equity (ROE)	15.7538%	626
Retained earnings to average equity (ytd only)	6.8533%	2,096
Net charge-offs to loans	0.0358%	1,754
Credit loss provision to net charge-offs	0.0000%	2,210
Earnings coverage of net charge-offs (x)	44.2500%	1,093
Efficiency ratio	67.4233%	2,723
Assets per employee ($millions)	4.7978%	2,791
Cash dividends to net income (ytd only)*	56.4972%	1,447
Condition Ratios (%)
Loss allowance to loans	0.7913%	4,549
Loan loss allowance to noncurrent loans	67.8117%	3,920
Noncurrent assets plus other real estate owned to assets	1.3475%	946
Noncurrent loans to loans	1.1669%	1,424
Net loans and leases to total assets	75.2897%	1,599
Net loans and leases to deposits	81.6345%	2,647
Net loans and leases to core deposits	115.1398%	679
Total domestic deposits to total assets	92.2278%	53
Equity capital to assets	7.6601%	5,243
Core capital (leverage) ratio	7.8622%	5,237
Tier 1 risk-based capital ratio	11.1088%	4,925
Total risk-based capital ratio	11.9797%	4,996
Memoranda:
Average total assets	$172,632,000	3,162
Average earning assets	$160,276,000	3,164
Average equity	$13,482,500	3,875
Average total loans	$134,046,500	2,855
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9895%	1,066
Cost of funding earning assets	1.1114%	473
Net interest margin	3.8781%	2,401
Noninterest income to average assets	0.2951%	4,133
Noninterest expense to average assets	2.5353%	3,508
Loan and lease loss provision to assets	0.1207%	1,827
Net operating income to assets	1.2402%	2,010
Return on assets (ROA)	1.2402%	2,003
Pretax return on assets	1.2402%	2,739
Return on Equity (ROE)	15.5705%	711
Retained earnings to average equity (ytd only)	2.6898%	4,060
Net charge-offs to loans	0.0869%	1,911
Credit loss provision to net charge-offs	175.4386%	1,604
Earnings coverage of net charge-offs (x)	19.7807%	2,039
Efficiency ratio	65.0713%	3,017
Assets per employee ($millions)	4.4144%	3,289
Cash dividends to net income (ytd only)*	82.7251%	615
Condition Ratios (%)
Loss allowance to loans	0.8090%	4,504
Loan loss allowance to noncurrent loans	161.5269%	2,577
Noncurrent assets plus other real estate owned to assets	0.6915%	2,003
Noncurrent loans to loans	0.5008%	2,771
Net loans and leases to total assets	78.8664%	1,126
Net loans and leases to deposits	91.6812%	1,590
Net loans and leases to core deposits	129.6943%	328
Total domestic deposits to total assets	86.0224%	2,219
Equity capital to assets	7.9685%	5,174
Core capital (leverage) ratio	8.0178%	5,230
Tier 1 risk-based capital ratio	10.5293%	5,168
Total risk-based capital ratio	11.3792%	5,214
Memoranda:
Average total assets	$165,697,400	3,213
Average earning assets	$153,863,800	3,196
Average equity	$13,198,000	3,855
Average total loans	$131,225,800	2,863
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9333%	1,086
Cost of funding earning assets	1.0497%	482
Net interest margin	3.8835%	2,367
Noninterest income to average assets	0.2890%	4,224
Noninterest expense to average assets	2.5119%	3,552
Loan and lease loss provision to assets	0.0000%	3,948
Net operating income to assets	1.3843%	1,541
Return on assets (ROA)	1.3843%	1,545
Pretax return on assets	1.3843%	2,285
Return on Equity (ROE)	17.3811%	501
Retained earnings to average equity (ytd only)	2.1790%	4,513
Net charge-offs to loans	0.1010%	1,482
Credit loss provision to net charge-offs	0.0000%	3,085
Earnings coverage of net charge-offs (x)	17.3228%	2,116
Efficiency ratio	64.4707%	3,110
Assets per employee ($millions)	4.2619%	3,490
Cash dividends to net income (ytd only)*	87.4635%	422
Condition Ratios (%)
Loss allowance to loans	0.6784%	4,914
Loan loss allowance to noncurrent loans	148.0929%	2,783
Noncurrent assets plus other real estate owned to assets	0.6359%	2,282
Noncurrent loans to loans	0.4581%	3,011
Net loans and leases to total assets	78.6567%	1,223
Net loans and leases to deposits	90.3262%	1,852
Net loans and leases to core deposits	128.8079%	357
Total domestic deposits to total assets	87.0807%	1,690
Equity capital to assets	7.9571%	5,193
Core capital (leverage) ratio	7.9103%	5,334
Tier 1 risk-based capital ratio	11.1863%	4,954
Total risk-based capital ratio	11.9416%	5,083
Memoranda:
Average total assets	$165,185,000	3,243
Average earning assets	$153,431,000	3,234
Average equity	$13,155,750	3,893
Average total loans	$130,688,500	2,893
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8486%	1,129
Cost of funding earning assets	0.9825%	505
Net interest margin	3.8661%	2,328
Noninterest income to average assets	0.2863%	4,264
Noninterest expense to average assets	2.4763%	3,692
Loan and lease loss provision to assets	0.0000%	3,782
Net operating income to assets	1.4050%	1,424
Return on assets (ROA)	1.4050%	1,425
Pretax return on assets	1.4050%	2,125
Return on Equity (ROE)	17.6359%	459
Retained earnings to average equity (ytd only)	2.4063%	4,302
Net charge-offs to loans	0.1549%	998
Credit loss provision to net charge-offs	0.0000%	2,759
Earnings coverage of net charge-offs (x)	11.4653%	2,269
Efficiency ratio	63.8012%	3,346
Assets per employee ($millions)	4.1356%	3,670
Cash dividends to net income (ytd only)*	86.3558%	583
Condition Ratios (%)
Loss allowance to loans	0.6803%	4,982
Loan loss allowance to noncurrent loans	147.0297%	2,809
Noncurrent assets plus other real estate owned to assets	0.6408%	2,304
Noncurrent loans to loans	0.4627%	3,048
Net loans and leases to total assets	78.6305%	1,226
Net loans and leases to deposits	92.2052%	1,558
Net loans and leases to core deposits	129.7021%	340
Total domestic deposits to total assets	85.2777%	2,570
Equity capital to assets	7.9614%	5,233
Core capital (leverage) ratio	7.9392%	5,366
Tier 1 risk-based capital ratio	11.2594%	4,919
Total risk-based capital ratio	12.0211%	5,055
Memoranda:
Average total assets	$164,841,330	3,265
Average earning assets	$153,281,330	3,250
Average equity	$13,132,330	3,912
Average total loans	$130,373,670	2,906
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8323%	1,008
Cost of funding earning assets	0.9180%	545
Net interest margin	3.9143%	1,986
Noninterest income to average assets	0.2771%	4,314
Noninterest expense to average assets	2.4600%	3,777
Loan and lease loss provision to assets	0.0000%	3,508
Net operating income to assets	1.4658%	1,161
Return on assets (ROA)	1.4658%	1,161
Pretax return on assets	1.4658%	1,781
Return on Equity (ROE)	18.3933%	370
Retained earnings to average equity (ytd only)	6.1921%	2,628
Net charge-offs to loans	0.1814%	805
Credit loss provision to net charge-offs	0.0000%	2,201
Earnings coverage of net charge-offs (x)	10.2203%	1,916
Efficiency ratio	62.6625%	3,678
Assets per employee ($millions)	3.8668%	4,194
Cash dividends to net income (ytd only)*	66.3350%	1,091
Condition Ratios (%)
Loss allowance to loans	0.7176%	4,994
Loan loss allowance to noncurrent loans	416.5179%	1,269
Noncurrent assets plus other real estate owned to assets	0.5732%	2,608
Noncurrent loans to loans	0.1723%	4,206
Net loans and leases to total assets	77.6342%	1,292
Net loans and leases to deposits	89.1704%	1,792
Net loans and leases to core deposits	132.0444%	302
Total domestic deposits to total assets	87.0628%	2,097
Equity capital to assets	7.9478%	5,290
Core capital (leverage) ratio	8.1012%	5,360
Tier 1 risk-based capital ratio	11.3283%	4,963
Total risk-based capital ratio	12.1281%	5,102
Memoranda:
Average total assets	$164,550,500	3,310
Average earning assets	$153,384,500	3,281
Average equity	$13,113,500	3,948
Average total loans	$130,078,500	2,933
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8047%	971
Cost of funding earning assets	0.7849%	675
Net interest margin	4.0198%	1,690
Noninterest income to average assets	0.2976%	4,316
Noninterest expense to average assets	2.4843%	3,837
Loan and lease loss provision to assets	0.0966%	2,277
Net operating income to assets	1.4850%	836
Return on assets (ROA)	1.4850%	855
Pretax return on assets	1.4850%	1,701
Return on Equity (ROE)	18.4462%	279
Retained earnings to average equity (ytd only)	8.0427%	750
Net charge-offs to loans	0.1481%	1,608
Credit loss provision to net charge-offs	82.4176%	2,908
Earnings coverage of net charge-offs (x)	13.4890%	2,391
Efficiency ratio	61.0997%	4,099
Assets per employee ($millions)	4.1751%	3,697
Cash dividends to net income (ytd only)*	56.3991%	1,942
Condition Ratios (%)
Loss allowance to loans	0.7623%	4,924
Loan loss allowance to noncurrent loans	855.1724%	713
Noncurrent assets plus other real estate owned to assets	0.5460%	2,737
Noncurrent loans to loans	0.0891%	4,599
Net loans and leases to total assets	79.3151%	1,065
Net loans and leases to deposits	92.5593%	1,439
Net loans and leases to core deposits	135.0497%	271
Total domestic deposits to total assets	85.6911%	2,581
Equity capital to assets	7.9912%	5,398
Core capital (leverage) ratio	8.1136%	5,396
Tier 1 risk-based capital ratio	11.2788%	4,999
Total risk-based capital ratio	12.1387%	5,101
Memoranda:
Average total assets	$155,217,800	3,413
Average earning assets	$145,504,200	3,376
Average equity	$12,495,800	4,057
Average total loans	$122,887,400	3,016
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7698%	984
Cost of funding earning assets	0.7707%	684
Net interest margin	3.9991%	1,704
Noninterest income to average assets	0.2966%	4,410
Noninterest expense to average assets	2.4437%	3,905
Loan and lease loss provision to assets	0.0652%	2,767
Net operating income to assets	1.5419%	813
Return on assets (ROA)	1.5419%	837
Pretax return on assets	1.5419%	1,611
Return on Equity (ROE)	19.1153%	273
Retained earnings to average equity (ytd only)	8.3340%	1,081
Net charge-offs to loans	0.0231%	2,995
Credit loss provision to net charge-offs	357.1429%	850
Earnings coverage of net charge-offs (x)	87.9979%	755
Efficiency ratio	60.3263%	4,157
Assets per employee ($millions)	4.9796%	2,479
Cash dividends to net income (ytd only)*	56.4016%	1,484
Condition Ratios (%)
Loss allowance to loans	0.8606%	4,719
Loan loss allowance to noncurrent loans	677.9874%	816
Noncurrent assets plus other real estate owned to assets	0.4123%	3,376
Noncurrent loans to loans	0.1269%	4,553
Net loans and leases to total assets	77.9282%	1,282
Net loans and leases to deposits	89.7265%	1,841
Net loans and leases to core deposits	128.6448%	364
Total domestic deposits to total assets	86.8508%	1,931
Equity capital to assets	8.0202%	5,513
Core capital (leverage) ratio	8.1284%	5,461
Tier 1 risk-based capital ratio	11.5396%	4,937
Total risk-based capital ratio	12.5130%	4,995
Memoranda:
Average total assets	$153,315,000	3,459
Average earning assets	$143,928,250	3,428
Average equity	$12,366,750	4,115
Average total loans	$121,074,250	3,064
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7162%	1,023
Cost of funding earning assets	0.7510%	685
Net interest margin	3.9651%	1,725
Noninterest income to average assets	0.3040%	4,360
Noninterest expense to average assets	2.4785%	3,820
Loan and lease loss provision to assets	0.0661%	2,645
Net operating income to assets	1.4791%	900
Return on assets (ROA)	1.4791%	921
Pretax return on assets	1.4791%	1,724
Return on Equity (ROE)	18.3008%	306
Retained earnings to average equity (ytd only)	6.8526%	1,665
Net charge-offs to loans	0.0033%	3,372
Credit loss provision to net charge-offs	2,500.0000%	172
Earnings coverage of net charge-offs (x)	584.5000%	138
Efficiency ratio	61.5966%	4,071
Assets per employee ($millions)	4.5915%	2,963
Cash dividends to net income (ytd only)*	62.5559%	1,387
Condition Ratios (%)
Loss allowance to loans	0.8634%	4,778
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.2101%	4,328
Noncurrent loans to loans	0.0000%	5,209
Net loans and leases to total assets	78.8445%	1,119
Net loans and leases to deposits	90.8189%	1,629
Net loans and leases to core deposits	131.2879%	286
Total domestic deposits to total assets	86.8152%	2,036
Equity capital to assets	7.9597%	5,553
Core capital (leverage) ratio	8.0729%	5,498
Tier 1 risk-based capital ratio	11.5006%	4,956
Total risk-based capital ratio	12.4927%	5,005
Memoranda:
Average total assets	$151,304,000	3,502
Average earning assets	$141,937,000	3,465
Average equity	$12,229,000	4,152
Average total loans	$119,680,670	3,100
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6608%	1,008
Cost of funding earning assets	0.7333%	712
Net interest margin	3.9274%	1,681
Noninterest income to average assets	0.3062%	4,375
Noninterest expense to average assets	2.5198%	3,745
Loan and lease loss provision to assets	0.0000%	3,537
Net operating income to assets	1.4694%	862
Return on assets (ROA)	1.4694%	887
Pretax return on assets	1.4694%	1,640
Return on Equity (ROE)	18.0372%	338
Retained earnings to average equity (ytd only)	8.1448%	1,398
Net charge-offs to loans	0.0034%	2,853
Credit loss provision to net charge-offs	0.0000%	2,277
Earnings coverage of net charge-offs (x)	547.0000%	103
Efficiency ratio	63.1650%	3,962
Assets per employee ($millions)	4.5515%	3,088
Cash dividends to net income (ytd only)*	54.8446%	1,555
Condition Ratios (%)
Loss allowance to loans	0.8648%	4,879
Loan loss allowance to noncurrent loans	720.4225%	774
Noncurrent assets plus other real estate owned to assets	0.0945%	4,894
Noncurrent loans to loans	0.1200%	4,709
Net loans and leases to total assets	78.0752%	1,129
Net loans and leases to deposits	89.0101%	1,666
Net loans and leases to core deposits	125.5947%	329
Total domestic deposits to total assets	87.7150%	1,878
Equity capital to assets	8.1585%	5,440
Core capital (leverage) ratio	8.2093%	5,442
Tier 1 risk-based capital ratio	11.4059%	5,087
Total risk-based capital ratio	12.3581%	5,149
Memoranda:
Average total assets	$148,900,500	3,569
Average earning assets	$139,633,500	3,536
Average equity	$12,130,500	4,195
Average total loans	$117,442,500	3,153
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5888%	1,305
Cost of funding earning assets	0.7646%	597
Net interest margin	3.8243%	2,234
Noninterest income to average assets	0.2337%	5,013
Noninterest expense to average assets	2.4704%	4,104
Loan and lease loss provision to assets	0.0683%	3,001
Net operating income to assets	1.2738%	1,290
Return on assets (ROA)	1.2738%	1,362
Pretax return on assets	1.2738%	2,383
Return on Equity (ROE)	16.0906%	500
Retained earnings to average equity (ytd only)	6.5864%	1,413
Net charge-offs to loans	0.1148%	2,109
Credit loss provision to net charge-offs	76.9231%	3,023
Earnings coverage of net charge-offs (x)	15.1077%	2,233
Efficiency ratio	64.7966%	3,799
Assets per employee ($millions)	4.6125%	2,939
Cash dividends to net income (ytd only)*	59.0665%	1,833
Condition Ratios (%)
Loss allowance to loans	0.8783%	4,864
Loan loss allowance to noncurrent loans	711.1111%	792
Noncurrent assets plus other real estate owned to assets	0.3198%	3,995
Noncurrent loans to loans	0.1235%	4,742
Net loans and leases to total assets	78.2983%	1,158
Net loans and leases to deposits	89.2611%	1,770
Net loans and leases to core deposits	126.5220%	338
Total domestic deposits to total assets	87.7182%	1,781
Equity capital to assets	8.1348%	5,499
Core capital (leverage) ratio	8.0903%	5,571
Tier 1 risk-based capital ratio	11.1467%	5,256
Total risk-based capital ratio	12.0973%	5,310
Memoranda:
Average total assets	$146,334,800	3,573
Average earning assets	$136,941,400	3,537
Average equity	$11,584,400	4,321
Average total loans	$113,255,200	3,167
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5544%	1,396
Cost of funding earning assets	0.7641%	602
Net interest margin	3.7903%	2,367
Noninterest income to average assets	0.2310%	5,092
Noninterest expense to average assets	2.4636%	4,095
Loan and lease loss provision to assets	0.0913%	2,403
Net operating income to assets	1.2226%	1,550
Return on assets (ROA)	1.2226%	1,648
Pretax return on assets	1.2226%	2,740
Return on Equity (ROE)	15.5530%	600
Retained earnings to average equity (ytd only)	5.6683%	2,379
Net charge-offs to loans	0.1530%	1,472
Credit loss provision to net charge-offs	77.5194%	2,697
Earnings coverage of net charge-offs (x)	11.1548%	2,522
Efficiency ratio	65.2163%	3,728
Assets per employee ($millions)	4.5020%	3,082
Cash dividends to net income (ytd only)*	63.5549%	1,284
Condition Ratios (%)
Loss allowance to loans	0.8977%	4,878
Loan loss allowance to noncurrent loans	1,220.2381%	491
Noncurrent assets plus other real estate owned to assets	0.2948%	4,238
Noncurrent loans to loans	0.0736%	5,054
Net loans and leases to total assets	76.1700%	1,496
Net loans and leases to deposits	84.6514%	2,410
Net loans and leases to core deposits	121.4406%	467
Total domestic deposits to total assets	89.9808%	488
Equity capital to assets	7.8969%	5,769
Core capital (leverage) ratio	7.9012%	5,722
Tier 1 risk-based capital ratio	11.2179%	5,249
Total risk-based capital ratio	12.1980%	5,313
Memoranda:
Average total assets	$146,018,250	3,592
Average earning assets	$136,625,000	3,560
Average equity	$11,478,750	4,379
Average total loans	$112,420,750	3,189
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5582%	1,363
Cost of funding earning assets	0.7504%	630
Net interest margin	3.8078%	2,290
Noninterest income to average assets	0.2494%	4,985
Noninterest expense to average assets	2.5763%	3,799
Loan and lease loss provision to assets	0.1378%	1,644
Net operating income to assets	1.0939%	1,977
Return on assets (ROA)	1.0939%	2,105
Pretax return on assets	1.0939%	3,220
Return on Equity (ROE)	13.9368%	844
Retained earnings to average equity (ytd only)	4.2653%	3,199
Net charge-offs to loans	0.1234%	1,606
Credit loss provision to net charge-offs	144.9275%	1,632
Earnings coverage of net charge-offs (x)	12.9565%	2,160
Efficiency ratio	67.6556%	3,413
Assets per employee ($millions)	4.2654%	3,440
Cash dividends to net income (ytd only)*	69.3955%	1,208
Condition Ratios (%)
Loss allowance to loans	0.9785%	4,621
Loan loss allowance to noncurrent loans	733.1081%	762
Noncurrent assets plus other real estate owned to assets	0.5172%	3,490
Noncurrent loans to loans	0.1335%	4,906
Net loans and leases to total assets	75.7120%	1,533
Net loans and leases to deposits	85.5286%	2,302
Net loans and leases to core deposits	117.8607%	577
Total domestic deposits to total assets	88.5224%	1,156
Equity capital to assets	7.9209%	5,825
Core capital (leverage) ratio	7.9456%	5,757
Tier 1 risk-based capital ratio	10.8221%	5,515
Total risk-based capital ratio	11.8443%	5,545
Memoranda:
Average total assets	$145,169,330	3,628
Average earning assets	$135,667,330	3,601
Average equity	$11,394,330	4,422
Average total loans	$111,832,000	3,211
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5683%	1,344
Cost of funding earning assets	0.7246%	714
Net interest margin	3.8438%	2,131
Noninterest income to average assets	0.2534%	4,935
Noninterest expense to average assets	2.4456%	4,239
Loan and lease loss provision to assets	0.2754%	603
Net operating income to assets	1.1264%	1,808
Return on assets (ROA)	1.1264%	1,911
Pretax return on assets	1.1264%	2,986
Return on Equity (ROE)	14.4166%	759
Retained earnings to average equity (ytd only)	7.3317%	1,736
Net charge-offs to loans	0.0641%	1,852
Credit loss provision to net charge-offs	555.5556%	559
Earnings coverage of net charge-offs (x)	28.2778%	1,217
Efficiency ratio	63.5648%	4,198
Assets per employee ($millions)	4.2349%	3,528
Cash dividends to net income (ytd only)*	49.1443%	1,781
Condition Ratios (%)
Loss allowance to loans	1.0225%	4,481
Loan loss allowance to noncurrent loans	229.0323%	2,020
Noncurrent assets plus other real estate owned to assets	0.7626%	2,794
Noncurrent loans to loans	0.4464%	3,839
Net loans and leases to total assets	76.3736%	1,332
Net loans and leases to deposits	85.6429%	2,098
Net loans and leases to core deposits	117.1492%	560
Total domestic deposits to total assets	89.1768%	1,011
Equity capital to assets	7.9535%	5,838
Core capital (leverage) ratio	7.9172%	5,805
Tier 1 risk-based capital ratio	10.7263%	5,652
Total risk-based capital ratio	11.7903%	5,634
Memoranda:
Average total assets	$145,243,000	3,651
Average earning assets	$135,804,500	3,620
Average equity	$11,348,000	4,439
Average total loans	$112,306,000	3,207
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6389%	1,239
Cost of funding earning assets	0.8452%	380
Net interest margin	3.7938%	2,398
Noninterest income to average assets	0.3349%	4,507
Noninterest expense to average assets	2.6038%	3,908
Loan and lease loss provision to assets	0.0893%	2,515
Net operating income to assets	1.1776%	1,635
Return on assets (ROA)	1.1776%	1,710
Pretax return on assets	1.1776%	2,740
Return on Equity (ROE)	15.7908%	579
Retained earnings to average equity (ytd only)	8.1300%	869
Net charge-offs to loans	0.0621%	2,982
Credit loss provision to net charge-offs	186.5672%	1,476
Earnings coverage of net charge-offs (x)	26.4776%	1,584
Efficiency ratio	67.2694%	3,702
Assets per employee ($millions)	4.1877%	3,588
Cash dividends to net income (ytd only)*	48.5143%	2,388
Condition Ratios (%)
Loss allowance to loans	0.9286%	4,980
Loan loss allowance to noncurrent loans	2,242.5532%	302
Noncurrent assets plus other real estate owned to assets	0.4169%	3,932
Noncurrent loans to loans	0.0414%	5,353
Net loans and leases to total assets	76.7248%	1,297
Net loans and leases to deposits	87.7231%	1,914
Net loans and leases to core deposits	118.2556%	531
Total domestic deposits to total assets	87.4625%	1,900
Equity capital to assets	7.6715%	5,952
Core capital (leverage) ratio	7.6904%	5,941
Tier 1 risk-based capital ratio	10.6838%	5,685
Total risk-based capital ratio	11.6853%	5,725
Memoranda:
Average total assets	$140,028,400	3,719
Average earning assets	$130,504,000	3,693
Average equity	$10,442,800	4,579
Average total loans	$107,805,400	3,244
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6274%	1,269
Cost of funding earning assets	0.8748%	332
Net interest margin	3.7526%	2,551
Noninterest income to average assets	0.3362%	4,538
Noninterest expense to average assets	2.4904%	4,226
Loan and lease loss provision to assets	0.0723%	2,731
Net operating income to assets	1.2698%	1,426
Return on assets (ROA)	1.2698%	1,484
Pretax return on assets	1.2698%	2,512
Return on Equity (ROE)	17.1568%	461
Retained earnings to average equity (ytd only)	9.3464%	778
Net charge-offs to loans	0.0338%	3,236
Credit loss provision to net charge-offs	277.7778%	1,035
Earnings coverage of net charge-offs (x)	51.5914%	1,013
Efficiency ratio	64.9824%	4,067
Assets per employee ($millions)	4.6976%	2,712
Cash dividends to net income (ytd only)*	45.5235%	2,064
Condition Ratios (%)
Loss allowance to loans	0.9212%	5,118
Loan loss allowance to noncurrent loans	1,683.8710%	365
Noncurrent assets plus other real estate owned to assets	0.4299%	4,060
Noncurrent loans to loans	0.0547%	5,400
Net loans and leases to total assets	77.1097%	1,235
Net loans and leases to deposits	87.8557%	1,924
Net loans and leases to core deposits	118.2434%	521
Total domestic deposits to total assets	87.7686%	1,672
Equity capital to assets	7.2879%	6,105
Core capital (leverage) ratio	7.4882%	6,059
Tier 1 risk-based capital ratio	9.9402%	6,059
Total risk-based capital ratio	10.9180%	6,083
Memoranda:
Average total assets	$138,393,500	3,780
Average earning assets	$128,938,750	3,754
Average equity	$10,242,500	4,666
Average total loans	$106,379,750	3,295
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6478%	1,172
Cost of funding earning assets	0.9163%	264
Net interest margin	3.7315%	2,572
Noninterest income to average assets	0.3353%	4,561
Noninterest expense to average assets	2.5062%	4,224
Loan and lease loss provision to assets	0.0000%	4,069
Net operating income to assets	1.3031%	1,316
Return on assets (ROA)	1.3031%	1,373
Pretax return on assets	1.3031%	2,352
Return on Equity (ROE)	17.5116%	449
Retained earnings to average equity (ytd only)	7.6292%	1,416
Net charge-offs to loans	-0.0269%	5,284
Credit loss provision to net charge-offs	0.0000%	3,158
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	65.7915%	4,048
Assets per employee ($millions)	4.3378%	3,232
Cash dividends to net income (ytd only)*	56.4334%	1,675
Condition Ratios (%)
Loss allowance to loans	0.9622%	5,051
Loan loss allowance to noncurrent loans	1,629.0323%	354
Noncurrent assets plus other real estate owned to assets	0.4222%	4,226
Noncurrent loans to loans	0.0591%	5,498
Net loans and leases to total assets	74.8907%	1,522
Net loans and leases to deposits	83.5658%	2,374
Net loans and leases to core deposits	111.4512%	763
Total domestic deposits to total assets	89.6188%	832
Equity capital to assets	7.4066%	6,127
Core capital (leverage) ratio	7.5352%	6,093
Tier 1 risk-based capital ratio	10.2753%	6,006
Total risk-based capital ratio	11.2848%	6,030
Memoranda:
Average total assets	$135,983,000	3,855
Average earning assets	$126,597,330	3,833
Average equity	$10,119,000	4,723
Average total loans	$104,061,330	3,357
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6511%	1,121
Cost of funding earning assets	0.8204%	447
Net interest margin	3.8307%	2,129
Noninterest income to average assets	0.3983%	4,016
Noninterest expense to average assets	2.5206%	4,198
Loan and lease loss provision to assets	0.0000%	3,703
Net operating income to assets	1.4446%	951
Return on assets (ROA)	1.4446%	1,011
Pretax return on assets	1.4446%	1,736
Return on Equity (ROE)	19.3664%	298
Retained earnings to average equity (ytd only)	11.3967%	662
Net charge-offs to loans	-0.0927%	5,827
Credit loss provision to net charge-offs	0.0000%	2,491
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	63.5682%	4,544
Assets per employee ($millions)	4.3546%	3,281
Cash dividends to net income (ytd only)*	41.1523%	2,012
Condition Ratios (%)
Loss allowance to loans	0.9857%	5,107
Loan loss allowance to noncurrent loans	277.4457%	1,705
Noncurrent assets plus other real estate owned to assets	0.6608%	3,509
Noncurrent loans to loans	0.3553%	4,529
Net loans and leases to total assets	75.9713%	1,213
Net loans and leases to deposits	86.4824%	1,775
Net loans and leases to core deposits	115.1745%	543
Total domestic deposits to total assets	87.8460%	1,906
Equity capital to assets	7.5419%	6,170
Core capital (leverage) ratio	7.5958%	6,116
Tier 1 risk-based capital ratio	11.1551%	5,736
Total risk-based capital ratio	12.2737%	5,731
Memoranda:
Average total assets	$134,570,000	3,913
Average earning assets	$125,303,000	3,886
Average equity	$10,038,000	4,771
Average total loans	$103,609,500	3,388
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7116%	1,276
Cost of funding earning assets	0.8680%	465
Net interest margin	3.8436%	2,452
Noninterest income to average assets	0.3768%	4,371
Noninterest expense to average assets	2.7838%	3,546
Loan and lease loss provision to assets	0.1527%	1,719
Net operating income to assets	1.0448%	2,189
Return on assets (ROA)	1.0448%	2,261
Pretax return on assets	1.0448%	3,323
Return on Equity (ROE)	14.7278%	826
Retained earnings to average equity (ytd only)	9.2167%	658
Net charge-offs to loans	0.4312%	980
Credit loss provision to net charge-offs	45.2539%	3,583
Earnings coverage of net charge-offs (x)	3.5497%	3,866
Efficiency ratio	69.9214%	3,539
Assets per employee ($millions)	4.3273%	3,317
Cash dividends to net income (ytd only)*	37.4198%	2,981
Condition Ratios (%)
Loss allowance to loans	0.9610%	5,240
Loan loss allowance to noncurrent loans	208.8050%	2,161
Noncurrent assets plus other real estate owned to assets	0.5419%	3,995
Noncurrent loans to loans	0.4602%	4,271
Net loans and leases to total assets	76.5176%	1,192
Net loans and leases to deposits	85.5034%	2,042
Net loans and leases to core deposits	113.7377%	615
Total domestic deposits to total assets	89.4906%	979
Equity capital to assets	7.3762%	6,264
Core capital (leverage) ratio	7.2735%	6,262
Tier 1 risk-based capital ratio	10.3109%	6,175
Total risk-based capital ratio	11.3488%	6,179
Memoranda:
Average total assets	$134,277,800	3,900
Average earning assets	$125,923,400	3,844
Average equity	$9,526,200	4,855
Average total loans	$105,055,800	3,323
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6903%	1,331
Cost of funding earning assets	0.8650%	497
Net interest margin	3.8253%	2,525
Noninterest income to average assets	0.2849%	5,163
Noninterest expense to average assets	2.5641%	4,309
Loan and lease loss provision to assets	0.2035%	1,156
Net operating income to assets	1.1128%	1,978
Return on assets (ROA)	1.1128%	2,043
Pretax return on assets	1.1128%	3,140
Return on Equity (ROE)	15.8430%	691
Retained earnings to average equity (ytd only)	10.1898%	661
Net charge-offs to loans	0.4402%	893
Credit loss provision to net charge-offs	58.9080%	2,953
Earnings coverage of net charge-offs (x)	3.8103%	3,589
Efficiency ratio	66.0783%	4,202
Assets per employee ($millions)	4.7648%	2,577
Cash dividends to net income (ytd only)*	35.6824%	2,546
Condition Ratios (%)
Loss allowance to loans	1.0555%	4,963
Loan loss allowance to noncurrent loans	252.5229%	1,800
Noncurrent assets plus other real estate owned to assets	0.5247%	4,305
Noncurrent loans to loans	0.4180%	4,650
Net loans and leases to total assets	74.6957%	1,413
Net loans and leases to deposits	85.1494%	2,014
Net loans and leases to core deposits	112.7506%	631
Total domestic deposits to total assets	87.7231%	1,912
Equity capital to assets	7.0474%	6,374
Core capital (leverage) ratio	7.1855%	6,357
Tier 1 risk-based capital ratio	9.9969%	6,349
Total risk-based capital ratio	11.1272%	6,345
Memoranda:
Average total assets	$134,310,500	3,934
Average earning assets	$126,244,250	3,873
Average equity	$9,434,000	4,911
Average total loans	$105,409,250	3,348
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6810%	1,325
Cost of funding earning assets	0.8628%	523
Net interest margin	3.8182%	2,494
Noninterest income to average assets	0.2842%	5,148
Noninterest expense to average assets	2.5770%	4,324
Loan and lease loss provision to assets	0.0000%	4,196
Net operating income to assets	1.3066%	1,288
Return on assets (ROA)	1.3066%	1,337
Pretax return on assets	1.3066%	2,229
Return on Equity (ROE)	18.6228%	397
Retained earnings to average equity (ytd only)	12.1937%	406
Net charge-offs to loans	0.2080%	1,772
Credit loss provision to net charge-offs	0.0000%	3,401
Earnings coverage of net charge-offs (x)	7.9000%	2,564
Efficiency ratio	66.3569%	4,304
Assets per employee ($millions)	4.3376%	3,199
Cash dividends to net income (ytd only)*	34.5224%	2,621
Condition Ratios (%)
Loss allowance to loans	1.0664%	5,038
Loan loss allowance to noncurrent loans	138.2927%	2,881
Noncurrent assets plus other real estate owned to assets	0.8010%	3,563
Noncurrent loans to loans	0.7711%	3,778
Net loans and leases to total assets	78.2382%	885
Net loans and leases to deposits	89.3550%	1,432
Net loans and leases to core deposits	119.0470%	398
Total domestic deposits to total assets	87.5588%	2,164
Equity capital to assets	7.1290%	6,425
Core capital (leverage) ratio	7.1396%	6,406
Tier 1 risk-based capital ratio	9.8652%	6,433
Total risk-based capital ratio	11.0322%	6,430
Memoranda:
Average total assets	$133,021,330	3,975
Average earning assets	$125,400,330	3,902
Average equity	$9,332,670	4,956
Average total loans	$105,774,330	3,340
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6990%	1,258
Cost of funding earning assets	0.8754%	516
Net interest margin	3.8235%	2,373
Noninterest income to average assets	0.2540%	5,334
Noninterest expense to average assets	2.5518%	4,440
Loan and lease loss provision to assets	0.0000%	3,817
Net operating income to assets	1.2940%	1,235
Return on assets (ROA)	1.2940%	1,280
Pretax return on assets	1.2940%	2,113
Return on Equity (ROE)	18.5966%	391
Retained earnings to average equity (ytd only)	16.4241%	249
Net charge-offs to loans	0.1138%	2,041
Credit loss provision to net charge-offs	0.0000%	2,688
Earnings coverage of net charge-offs (x)	14.2667%	1,622
Efficiency ratio	66.3522%	4,475
Assets per employee ($millions)	4.7125%	2,647
Cash dividends to net income (ytd only)*	11.6822%	2,663
Condition Ratios (%)
Loss allowance to loans	1.1533%	4,852
Loan loss allowance to noncurrent loans	159.9473%	2,533
Noncurrent assets plus other real estate owned to assets	0.5752%	4,423
Noncurrent loans to loans	0.7211%	4,065
Net loans and leases to total assets	78.8547%	671
Net loans and leases to deposits	94.3053%	761
Net loans and leases to core deposits	119.0331%	341
Total domestic deposits to total assets	83.6164%	4,412
Equity capital to assets	7.1202%	6,414
Core capital (leverage) ratio	7.1213%	6,445
Tier 1 risk-based capital ratio	9.9214%	6,495
Total risk-based capital ratio	11.1718%	6,473
Memoranda:
Average total assets	$132,299,500	4,026
Average earning assets	$124,282,500	3,956
Average equity	$9,206,000	4,998
Average total loans	$105,493,000	3,357
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7144%	1,530
Cost of funding earning assets	1.0688%	328
Net interest margin	3.6456%	3,260
Noninterest income to average assets	0.4413%	4,148
Noninterest expense to average assets	2.5987%	4,465
Loan and lease loss provision to assets	0.8295%	249
Net operating income to assets	0.4280%	5,047
Return on assets (ROA)	0.4280%	5,158
Pretax return on assets	0.4280%	5,416
Return on Equity (ROE)	5.6799%	4,284
Retained earnings to average equity (ytd only)	1.8273%	4,934
Net charge-offs to loans	0.6907%	943
Credit loss provision to net charge-offs	151.5152%	1,530
Earnings coverage of net charge-offs (x)	2.2970%	4,247
Efficiency ratio	67.3908%	4,309
Assets per employee ($millions)	4.9130%	2,292
Cash dividends to net income (ytd only)*	67.8295%	1,409
Condition Ratios (%)
Loss allowance to loans	1.1766%	4,773
Loan loss allowance to noncurrent loans	168.5637%	2,409
Noncurrent assets plus other real estate owned to assets	0.5564%	4,563
Noncurrent loans to loans	0.6980%	4,233
Net loans and leases to total assets	78.7637%	738
Net loans and leases to deposits	93.7166%	901
Net loans and leases to core deposits	120.0188%	330
Total domestic deposits to total assets	84.0445%	4,150
Equity capital to assets	6.7976%	6,510
Core capital (leverage) ratio	6.8165%	6,559
Tier 1 risk-based capital ratio	9.5396%	6,599
Total risk-based capital ratio	10.7911%	6,583
Memoranda:
Average total assets	$120,558,200	4,265
Average earning assets	$112,929,600	4,201
Average equity	$9,084,600	5,060
Average total loans	$95,553,800	3,564
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7381%	1,502
Cost of funding earning assets	1.0959%	321
Net interest margin	3.6421%	3,271
Noninterest income to average assets	0.5139%	3,713
Noninterest expense to average assets	2.4435%	4,897
Loan and lease loss provision to assets	0.7600%	269
Net operating income to assets	0.7147%	3,785
Return on assets (ROA)	0.7147%	3,916
Pretax return on assets	0.7147%	4,639
Return on Equity (ROE)	9.2290%	2,524
Retained earnings to average equity (ytd only)	5.5667%	2,681
Net charge-offs to loans	0.6995%	854
Credit loss provision to net charge-offs	137.2951%	1,709
Earnings coverage of net charge-offs (x)	2.6639%	3,947
Efficiency ratio	62.3625%	5,086
Assets per employee ($millions)	4.9979%	2,166
Cash dividends to net income (ytd only)*	39.6831%	2,296
Condition Ratios (%)
Loss allowance to loans	1.1166%	5,266
Loan loss allowance to noncurrent loans	583.8710%	777
Noncurrent assets plus other real estate owned to assets	0.6563%	4,469
Noncurrent loans to loans	0.1912%	5,763
Net loans and leases to total assets	76.9718%	878
Net loans and leases to deposits	96.5767%	650
Net loans and leases to core deposits	112.0844%	502
Total domestic deposits to total assets	79.7002%	5,581
Equity capital to assets	7.3879%	6,429
Core capital (leverage) ratio	7.4939%	6,450
Tier 1 risk-based capital ratio	10.4214%	6,482
Total risk-based capital ratio	11.6475%	6,448
Memoranda:
Average total assets	$117,535,250	4,369
Average earning assets	$109,859,250	4,308
Average equity	$9,101,500	5,113
Average total loans	$93,011,250	3,643
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7414%	1,461
Cost of funding earning assets	1.0956%	347
Net interest margin	3.6458%	3,196
Noninterest income to average assets	0.3893%	4,600
Noninterest expense to average assets	2.3117%	5,335
Loan and lease loss provision to assets	0.5214%	508
Net operating income to assets	0.9629%	2,498
Return on assets (ROA)	0.9629%	2,648
Pretax return on assets	0.9629%	3,670
Return on Equity (ROE)	12.2318%	1,418
Retained earnings to average equity (ytd only)	9.4719%	972
Net charge-offs to loans	0.5240%	1,259
Credit loss provision to net charge-offs	125.0000%	1,800
Earnings coverage of net charge-offs (x)	3.5583%	3,361
Efficiency ratio	60.8974%	5,351
Assets per employee ($millions)	5.0480%	2,058
Cash dividends to net income (ytd only)*	22.5632%	2,899
Condition Ratios (%)
Loss allowance to loans	1.0198%	5,737
Loan loss allowance to noncurrent loans	2,605.4054%	231
Noncurrent assets plus other real estate owned to assets	0.5538%	4,874
Noncurrent loans to loans	0.0391%	6,279
Net loans and leases to total assets	77.2288%	836
Net loans and leases to deposits	99.8314%	433
Net loans and leases to core deposits	116.8671%	374
Total domestic deposits to total assets	77.3592%	6,078
Equity capital to assets	7.6597%	6,387
Core capital (leverage) ratio	8.1734%	6,031
Tier 1 risk-based capital ratio	10.7775%	6,421
Total risk-based capital ratio	11.8971%	6,437
Memoranda:
Average total assets	$115,064,670	4,464
Average earning assets	$107,522,000	4,399
Average equity	$9,058,330	5,157
Average total loans	$91,595,000	3,685
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8103%	1,266
Cost of funding earning assets	1.1204%	339
Net interest margin	3.6899%	2,894
Noninterest income to average assets	0.4249%	4,284
Noninterest expense to average assets	2.2889%	5,458
Loan and lease loss provision to assets	0.8927%	222
Net operating income to assets	0.6892%	3,745
Return on assets (ROA)	0.6892%	3,891
Pretax return on assets	0.6892%	4,624
Return on Equity (ROE)	8.6281%	2,656
Retained earnings to average equity (ytd only)	8.6281%	1,513
Net charge-offs to loans	1.0518%	579
Credit loss provision to net charge-offs	105.4852%	1,748
Earnings coverage of net charge-offs (x)	1.8692%	3,216
Efficiency ratio	59.1328%	5,703
Assets per employee ($millions)	4.9931%	2,220
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	0.9988%	5,990
Loan loss allowance to noncurrent loans	190.2490%	1,974
Noncurrent assets plus other real estate owned to assets	0.6069%	4,872
Noncurrent loans to loans	0.5250%	5,124
Net loans and leases to total assets	79.1459%	509
Net loans and leases to deposits	103.6988%	238
Net loans and leases to core deposits	111.7309%	441
Total domestic deposits to total assets	76.3229%	6,328
Equity capital to assets	7.8752%	6,443
Core capital (leverage) ratio	8.1341%	6,009
Tier 1 risk-based capital ratio	11.0492%	6,381
Total risk-based capital ratio	12.1695%	6,413
Memoranda:
Average total assets	$112,020,500	4,579
Average earning assets	$104,608,500	4,503
Average equity	$8,947,500	5,231
Average total loans	$90,128,000	3,746
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2836%	954
Cost of funding earning assets	1.2205%	526
Net interest margin	4.0631%	2,140
Noninterest income to average assets	0.5962%	3,301
Noninterest expense to average assets	2.8828%	3,708
Loan and lease loss provision to assets	0.1718%	3,472
Net operating income to assets	1.3025%	1,291
Return on assets (ROA)	1.3025%	1,438
Pretax return on assets	1.3025%	2,385
Return on Equity (ROE)	17.2474%	513
Retained earnings to average equity (ytd only)	3.8669%	3,472
Net charge-offs to loans	0.0930%	4,744
Credit loss provision to net charge-offs	223.6842%	1,121
Earnings coverage of net charge-offs (x)	19.1974%	1,399
Efficiency ratio	66.1642%	4,466
Assets per employee ($millions)	4.7478%	2,582
Cash dividends to net income (ytd only)*	77.5795%	1,089
Condition Ratios (%)
Loss allowance to loans	1.0221%	5,891
Loan loss allowance to noncurrent loans	2,378.9474%	245
Noncurrent assets plus other real estate owned to assets	0.2390%	5,953
Noncurrent loans to loans	0.0430%	6,403
Net loans and leases to total assets	80.1676%	457
Net loans and leases to deposits	101.5274%	349
Net loans and leases to core deposits	110.6095%	519
Total domestic deposits to total assets	78.9615%	5,900
Equity capital to assets	8.1053%	6,348
Core capital (leverage) ratio	8.5055%	5,600
Tier 1 risk-based capital ratio	11.0172%	6,344
Total risk-based capital ratio	12.1424%	6,362
Memoranda:
Average total assets	$98,966,600	4,862
Average earning assets	$91,604,400	4,819
Average equity	$7,473,600	5,646
Average total loans	$81,717,600	3,983
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3521%	919
Cost of funding earning assets	1.2439%	569
Net interest margin	4.1083%	2,062
Noninterest income to average assets	0.6071%	3,228
Noninterest expense to average assets	2.5626%	4,871
Loan and lease loss provision to assets	0.2351%	2,695
Net operating income to assets	1.6098%	818
Return on assets (ROA)	1.6098%	916
Pretax return on assets	1.6098%	1,547
Return on Equity (ROE)	21.7689%	250
Retained earnings to average equity (ytd only)	14.2882%	280
Net charge-offs to loans	0.1716%	3,727
Credit loss provision to net charge-offs	165.0485%	1,691
Earnings coverage of net charge-offs (x)	12.9514%	1,956
Efficiency ratio	58.1425%	5,771
Assets per employee ($millions)	4.5260%	2,869
Cash dividends to net income (ytd only)*	34.3643%	2,418
Condition Ratios (%)
Loss allowance to loans	1.0193%	6,009
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.2142%	6,174
Noncurrent loans to loans	0.0000%	6,696
Net loans and leases to total assets	81.8087%	356
Net loans and leases to deposits	105.9242%	237
Net loans and leases to core deposits	117.1820%	361
Total domestic deposits to total assets	77.2332%	6,201
Equity capital to assets	7.2297%	6,837
Core capital (leverage) ratio	7.5934%	6,570
Tier 1 risk-based capital ratio	9.7324%	6,859
Total risk-based capital ratio	10.8666%	6,869
Memoranda:
Average total assets	$96,408,250	4,977
Average earning assets	$89,183,500	4,933
Average equity	$7,129,250	5,794
Average total loans	$80,035,250	4,081
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4109%	851
Cost of funding earning assets	1.2687%	599
Net interest margin	4.1422%	1,933
Noninterest income to average assets	0.6777%	2,787
Noninterest expense to average assets	2.6107%	4,738
Loan and lease loss provision to assets	0.3623%	1,825
Net operating income to assets	1.5387%	936
Return on assets (ROA)	1.5387%	1,049
Pretax return on assets	1.5387%	1,753
Return on Equity (ROE)	20.6374%	316
Retained earnings to average equity (ytd only)	14.9207%	285
Net charge-offs to loans	0.3024%	2,818
Credit loss provision to net charge-offs	144.0678%	1,924
Earnings coverage of net charge-offs (x)	7.5593%	2,454
Efficiency ratio	57.8649%	5,892
Assets per employee ($millions)	4.5537%	2,807
Cash dividends to net income (ytd only)*	27.7008%	2,712
Condition Ratios (%)
Loss allowance to loans	1.0734%	5,884
Loan loss allowance to noncurrent loans	10,775.0000%	67
Noncurrent assets plus other real estate owned to assets	0.5751%	5,325
Noncurrent loans to loans	0.0100%	6,685
Net loans and leases to total assets	83.0740%	264
Net loans and leases to deposits	105.6508%	238
Net loans and leases to core deposits	118.1733%	343
Total domestic deposits to total assets	78.6307%	6,032
Equity capital to assets	7.6170%	6,754
Core capital (leverage) ratio	7.7110%	6,510
Tier 1 risk-based capital ratio	9.8994%	6,849
Total risk-based capital ratio	11.0709%	6,863
Memoranda:
Average total assets	$93,844,670	5,073
Average earning assets	$86,861,330	5,028
Average equity	$6,997,000	5,850
Average total loans	$78,034,000	4,155
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3893%	930
Cost of funding earning assets	1.2929%	649
Net interest margin	4.0965%	2,100
Noninterest income to average assets	0.6670%	2,827
Noninterest expense to average assets	2.3926%	5,499
Loan and lease loss provision to assets	0.4303%	1,458
Net operating income to assets	1.6481%	797
Return on assets (ROA)	1.6481%	890
Pretax return on assets	1.6481%	1,438
Return on Equity (ROE)	22.3535%	265
Retained earnings to average equity (ytd only)	10.6807%	1,119
Net charge-offs to loans	0.0312%	4,247
Credit loss provision to net charge-offs	1,666.6667%	198
Earnings coverage of net charge-offs (x)	80.5000%	417
Efficiency ratio	53.5130%	6,393
Assets per employee ($millions)	4.7610%	2,572
Cash dividends to net income (ytd only)*	52.2193%	1,409
Condition Ratios (%)
Loss allowance to loans	1.1568%	5,686
Loan loss allowance to noncurrent loans	619.1781%	566
Noncurrent assets plus other real estate owned to assets	0.6984%	5,153
Noncurrent loans to loans	0.1868%	6,310
Net loans and leases to total assets	81.1206%	333
Net loans and leases to deposits	108.9218%	153
Net loans and leases to core deposits	122.6917%	277
Total domestic deposits to total assets	74.4760%	6,702
Equity capital to assets	7.2936%	6,850
Core capital (leverage) ratio	7.4953%	6,637
Tier 1 risk-based capital ratio	9.5432%	6,959
Total risk-based capital ratio	10.7854%	6,955
Memoranda:
Average total assets	$92,953,000	5,127
Average earning assets	$86,318,500	5,073
Average equity	$6,853,500	5,915
Average total loans	$76,899,000	4,219
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4285%	1,340
Cost of funding earning assets	1.4102%	996
Net interest margin	4.0182%	2,795
Noninterest income to average assets	0.4596%	4,145
Noninterest expense to average assets	2.5710%	5,196
Loan and lease loss provision to assets	0.8828%	1,097
Net operating income to assets	0.7850%	3,111
Return on assets (ROA)	0.7850%	3,273
Pretax return on assets	0.7850%	4,031
Return on Equity (ROE)	10.5776%	1,852
Retained earnings to average equity (ytd only)	3.3426%	3,846
Net charge-offs to loans	1.0667%	1,617
Credit loss provision to net charge-offs	100.8589%	3,453
Earnings coverage of net charge-offs (x)	1.9055%	4,346
Efficiency ratio	60.6537%	5,654
Assets per employee ($millions)	5.0381%	2,140
Cash dividends to net income (ytd only)*	68.3995%	1,206
Condition Ratios (%)
Loss allowance to loans	1.0707%	5,924
Loan loss allowance to noncurrent loans	247.7064%	1,332
Noncurrent assets plus other real estate owned to assets	0.5811%	5,520
Noncurrent loans to loans	0.4322%	5,844
Net loans and leases to total assets	82.5276%	307
Net loans and leases to deposits	112.0659%	140
Net loans and leases to core deposits	131.7832%	218
Total domestic deposits to total assets	73.6420%	6,757
Equity capital to assets	7.4565%	6,826
Core capital (leverage) ratio	7.3450%	6,729
Tier 1 risk-based capital ratio	10.0458%	6,847
Total risk-based capital ratio	11.2491%	6,851
Memoranda:
Average total assets	$93,117,200	5,095
Average earning assets	$87,575,600	5,004
Average equity	$6,910,800	5,887
Average total loans	$76,405,400	4,255
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4359%	1,423
Cost of funding earning assets	1.4300%	1,108
Net interest margin	4.0060%	2,890
Noninterest income to average assets	0.4908%	3,939
Noninterest expense to average assets	2.2149%	6,241
Loan and lease loss provision to assets	0.2959%	3,161
Net operating income to assets	1.7540%	561
Return on assets (ROA)	1.7540%	617
Pretax return on assets	1.7540%	1,035
Return on Equity (ROE)	23.6609%	172
Retained earnings to average equity (ytd only)	18.8634%	97
Net charge-offs to loans	0.0209%	5,864
Credit loss provision to net charge-offs	1,733.3333%	158
Earnings coverage of net charge-offs (x)	120.0806%	304
Efficiency ratio	51.9346%	6,680
Assets per employee ($millions)	6.0570%	1,170
Cash dividends to net income (ytd only)*	20.2760%	2,911
Condition Ratios (%)
Loss allowance to loans	1.3344%	4,847
Loan loss allowance to noncurrent loans	278.2730%	1,115
Noncurrent assets plus other real estate owned to assets	0.8544%	5,046
Noncurrent loans to loans	0.4795%	5,888
Net loans and leases to total assets	76.2197%	949
Net loans and leases to deposits	116.9321%	105
Net loans and leases to core deposits	144.7927%	157
Total domestic deposits to total assets	65.1828%	7,223
Equity capital to assets	7.7534%	6,822
Core capital (leverage) ratio	7.7904%	6,569
Tier 1 risk-based capital ratio	11.4182%	6,291
Total risk-based capital ratio	12.6719%	6,282
Memoranda:
Average total assets	$93,725,000	5,111
Average earning assets	$88,299,000	5,014
Average equity	$6,948,000	5,914
Average total loans	$76,594,000	4,289
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5254%	1,243
Cost of funding earning assets	1.4396%	1,234
Net interest margin	4.0858%	2,466
Noninterest income to average assets	0.4338%	4,400
Noninterest expense to average assets	2.2382%	6,281
Loan and lease loss provision to assets	0.3453%	2,712
Net operating income to assets	1.7094%	586
Return on assets (ROA)	1.7094%	634
Pretax return on assets	1.7094%	1,038
Return on Equity (ROE)	23.4343%	184
Retained earnings to average equity (ytd only)	16.0371%	204
Net charge-offs to loans	0.0233%	5,510
Credit loss provision to net charge-offs	1,777.7778%	194
Earnings coverage of net charge-offs (x)	105.7778%	342
Efficiency ratio	52.1368%	6,777
Assets per employee ($millions)	5.9335%	1,224
Cash dividends to net income (ytd only)*	31.5657%	2,417
Condition Ratios (%)
Loss allowance to loans	1.2927%	5,091
Loan loss allowance to noncurrent loans	203.4115%	1,507
Noncurrent assets plus other real estate owned to assets	0.4940%	5,933
Noncurrent loans to loans	0.6355%	5,657
Net loans and leases to total assets	76.7296%	959
Net loans and leases to deposits	122.0883%	81
Net loans and leases to core deposits	162.1097%	120
Total domestic deposits to total assets	62.8476%	7,332
Equity capital to assets	7.4503%	6,970
Core capital (leverage) ratio	7.4927%	6,746
Tier 1 risk-based capital ratio	11.0488%	6,487
Total risk-based capital ratio	12.3016%	6,470
Memoranda:
Average total assets	$92,662,670	5,181
Average earning assets	$87,522,670	5,078
Average equity	$6,759,330	6,002
Average total loans	$77,170,330	4,308
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5185%	1,247
Cost of funding earning assets	1.4050%	1,584
Net interest margin	4.1134%	2,221
Noninterest income to average assets	0.3802%	4,873
Noninterest expense to average assets	2.1808%	6,465
Loan and lease loss provision to assets	0.3715%	2,329
Net operating income to assets	1.7175%	564
Return on assets (ROA)	1.7175%	595
Pretax return on assets	1.7175%	956
Return on Equity (ROE)	23.8092%	192
Retained earnings to average equity (ytd only)	8.6634%	1,503
Net charge-offs to loans	0.0507%	4,430
Credit loss provision to net charge-offs	850.0000%	452
Earnings coverage of net charge-offs (x)	47.8000%	595
Efficiency ratio	51.0747%	6,912
Assets per employee ($millions)	5.6915%	1,412
Cash dividends to net income (ytd only)*	63.6132%	1,166
Condition Ratios (%)
Loss allowance to loans	1.1016%	6,039
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,222
Noncurrent loans to loans	0.0000%	7,094
Net loans and leases to total assets	86.5600%	111
Net loans and leases to deposits	122.7899%	79
Net loans and leases to core deposits	159.6585%	129
Total domestic deposits to total assets	70.4944%	7,159
Equity capital to assets	7.3289%	6,960
Core capital (leverage) ratio	7.3292%	6,839
Tier 1 risk-based capital ratio	10.9456%	6,546
Total risk-based capital ratio	12.1986%	6,519
Memoranda:
Average total assets	$91,526,000	5,253
Average earning assets	$86,546,000	5,145
Average equity	$6,602,500	6,058
Average total loans	$78,856,500	4,297
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7739%	1,346
Cost of funding earning assets	1.4529%	2,939
Net interest margin	4.3210%	1,753
Noninterest income to average assets	0.2737%	5,825
Noninterest expense to average assets	2.4876%	5,849
Loan and lease loss provision to assets	0.8263%	1,988
Net operating income to assets	1.0189%	1,972
Return on assets (ROA)	1.0189%	2,085
Pretax return on assets	1.0189%	2,869
Return on Equity (ROE)	12.6962%	1,164
Retained earnings to average equity (ytd only)	7.9588%	988
Net charge-offs to loans	0.5181%	3,548
Credit loss provision to net charge-offs	186.2857%	1,752
Earnings coverage of net charge-offs (x)	4.1600%	3,035
Efficiency ratio	57.4144%	6,400
Assets per employee ($millions)	6.1325%	1,124
Cash dividends to net income (ytd only)*	37.3134%	2,717
Condition Ratios (%)
Loss allowance to loans	1.0294%	6,239
Loan loss allowance to noncurrent loans	1,784.4444%	228
Noncurrent assets plus other real estate owned to assets	0.0489%	7,112
Noncurrent loans to loans	0.0577%	6,980
Net loans and leases to total assets	83.9316%	307
Net loans and leases to deposits	128.0381%	74
Net loans and leases to core deposits	156.8578%	154
Total domestic deposits to total assets	65.5520%	7,400
Equity capital to assets	7.0998%	7,077
Core capital (leverage) ratio	7.5051%	6,700
Tier 1 risk-based capital ratio	11.0603%	6,285
Total risk-based capital ratio	12.3118%	6,255
Memoranda:
Average total assets	$78,910,000	5,622
Average earning assets	$74,126,600	5,536
Average equity	$6,332,600	6,260
Average total loans	$67,559,400	4,767
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.8172%	1,347
Cost of funding earning assets	1.4581%	3,229
Net interest margin	4.3592%	1,646
Noninterest income to average assets	0.2715%	5,942
Noninterest expense to average assets	2.4396%	5,917
Loan and lease loss provision to assets	0.8426%	1,803
Net operating income to assets	1.0735%	1,994
Return on assets (ROA)	1.0735%	2,104
Pretax return on assets	1.0735%	2,915
Return on Equity (ROE)	12.9234%	1,274
Retained earnings to average equity (ytd only)	12.9234%	354
Net charge-offs to loans	0.6200%	2,886
Credit loss provision to net charge-offs	158.2781%	2,412
Earnings coverage of net charge-offs (x)	3.5993%	3,381
Efficiency ratio	56.0097%	6,557
Assets per employee ($millions)	5.6373%	1,511
Cash dividends to net income (ytd only)*	0.0000%	3,526
Condition Ratios (%)
Loss allowance to loans	0.9143%	6,696
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,384
Noncurrent loans to loans	0.0000%	7,276
Net loans and leases to total assets	86.7690%	153
Net loans and leases to deposits	132.7597%	64
Net loans and leases to core deposits	156.0653%	163
Total domestic deposits to total assets	65.3579%	7,489
Equity capital to assets	7.8478%	6,904
Core capital (leverage) ratio	7.9958%	6,347
Tier 1 risk-based capital ratio	11.7258%	5,708
Total risk-based capital ratio	12.9221%	5,734
Memoranda:
Average total assets	$75,640,500	5,788
Average earning assets	$70,868,000	5,706
Average equity	$6,283,000	6,362
Average total loans	$64,946,750	4,949
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7233%	1,676
Cost of funding earning assets	1.4021%	3,863
Net interest margin	4.3212%	1,702
Noninterest income to average assets	0.2972%	5,768
Noninterest expense to average assets	2.5348%	5,591
Loan and lease loss provision to assets	0.9715%	1,497
Net operating income to assets	0.8284%	2,832
Return on assets (ROA)	0.8284%	2,986
Pretax return on assets	0.8284%	3,783
Return on Equity (ROE)	9.7643%	2,190
Retained earnings to average equity (ytd only)	9.7643%	901
Net charge-offs to loans	0.9788%	1,889
Credit loss provision to net charge-offs	116.5017%	3,485
Earnings coverage of net charge-offs (x)	2.1584%	3,940
Efficiency ratio	58.4762%	6,310
Assets per employee ($millions)	5.4881%	1,627
Cash dividends to net income (ytd only)*	0.0000%	3,319
Condition Ratios (%)
Loss allowance to loans	0.7798%	7,079
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,438
Noncurrent loans to loans	0.0000%	7,347
Net loans and leases to total assets	85.1644%	280
Net loans and leases to deposits	126.6557%	84
Net loans and leases to core deposits	152.9662%	200
Total domestic deposits to total assets	67.2408%	7,467
Equity capital to assets	7.6869%	7,003
Core capital (leverage) ratio	8.6705%	5,127
Tier 1 risk-based capital ratio	11.9187%	5,384
Total risk-based capital ratio	12.9565%	5,538
Memoranda:
Average total assets	$72,667,670	5,901
Average earning assets	$67,897,670	5,834
Average equity	$6,165,330	6,417
Average total loans	$61,913,000	5,104
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9271%	1,136
Cost of funding earning assets	1.4834%	3,672
Net interest margin	4.4438%	1,264
Noninterest income to average assets	0.2830%	5,876
Noninterest expense to average assets	2.5472%	5,559
Loan and lease loss provision to assets	1.1969%	1,017
Net operating income to assets	0.6722%	3,561
Return on assets (ROA)	0.6722%	3,679
Pretax return on assets	0.6722%	4,330
Return on Equity (ROE)	7.4951%	3,119
Retained earnings to average equity (ytd only)	7.4951%	1,928
Net charge-offs to loans	1.3556%	1,269
Credit loss provision to net charge-offs	104.1026%	3,291
Earnings coverage of net charge-offs (x)	1.6256%	3,758
Efficiency ratio	57.6769%	6,538
Assets per employee ($millions)	4.6473%	2,718
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	0.8629%	6,946
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,514
Noncurrent loans to loans	0.0000%	7,426
Net loans and leases to total assets	83.8902%	385
Net loans and leases to deposits	127.3276%	89
Net loans and leases to core deposits	162.5049%	177
Total domestic deposits to total assets	65.8853%	7,619
Equity capital to assets	8.8095%	5,536
Core capital (leverage) ratio	9.1024%	4,371
Tier 1 risk-based capital ratio	12.4146%	4,825
Total risk-based capital ratio	13.4436%	4,974
Memoranda:
Average total assets	$67,840,500	6,113
Average earning assets	$63,099,500	6,050
Average equity	$6,084,000	6,491
Average total loans	$57,539,500	5,360
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1604%	1,346
Cost of funding earning assets	1.7316%	4,353
Net interest margin	4.4288%	1,347
Noninterest income to average assets	0.4168%	5,073
Noninterest expense to average assets	2.8779%	4,620
Loan and lease loss provision to assets	0.6906%	3,063
Net operating income to assets	0.9403%	2,050
Return on assets (ROA)	0.9403%	2,106
Pretax return on assets	0.9403%	2,794
Return on Equity (ROE)	9.5726%	1,830
Retained earnings to average equity (ytd only)	9.5726%	421
Net charge-offs to loans	0.5736%	3,497
Credit loss provision to net charge-offs	143.7276%	3,335
Earnings coverage of net charge-offs (x)	3.3943%	3,364
Efficiency ratio	63.8273%	5,810
Assets per employee ($millions)	4.3981%	3,115
Cash dividends to net income (ytd only)*	0.0000%	4,015
Condition Ratios (%)
Loss allowance to loans	0.8932%	6,844
Loan loss allowance to noncurrent loans	352.8169%	928
Noncurrent assets plus other real estate owned to assets	0.2152%	6,928
Noncurrent loans to loans	0.2532%	6,790
Net loans and leases to total assets	84.2630%	404
Net loans and leases to deposits	131.4402%	85
Net loans and leases to core deposits	194.3434%	114
Total domestic deposits to total assets	64.1075%	7,710
Equity capital to assets	9.1357%	4,934
Core capital (leverage) ratio	9.1993%	4,121
Tier 1 risk-based capital ratio	12.4881%	4,534
Total risk-based capital ratio	13.5262%	4,669
Memoranda:
Average total assets	$58,063,800	6,431
Average earning assets	$53,649,000	6,388
Average equity	$5,703,800	6,712
Average total loans	$48,643,800	5,732
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1374%	1,533
Cost of funding earning assets	1.7219%	4,793
Net interest margin	4.4155%	1,404
Noninterest income to average assets	0.4231%	5,107
Noninterest expense to average assets	2.8550%	4,644
Loan and lease loss provision to assets	0.9152%	2,097
Net operating income to assets	0.7251%	3,120
Return on assets (ROA)	0.7251%	3,184
Pretax return on assets	0.7251%	3,772
Return on Equity (ROE)	7.2321%	2,973
Retained earnings to average equity (ytd only)	7.2321%	1,422
Net charge-offs to loans	0.4560%	3,408
Credit loss provision to net charge-offs	240.6250%	1,816
Earnings coverage of net charge-offs (x)	4.3125%	3,181
Efficiency ratio	63.5114%	5,841
Assets per employee ($millions)	4.2281%	3,323
Cash dividends to net income (ytd only)*	0.0000%	3,688
Condition Ratios (%)
Loss allowance to loans	1.1235%	5,576
Loan loss allowance to noncurrent loans	249.5868%	1,193
Noncurrent assets plus other real estate owned to assets	0.3816%	6,510
Noncurrent loans to loans	0.4501%	6,421
Net loans and leases to total assets	83.8177%	563
Net loans and leases to deposits	129.8817%	109
Net loans and leases to core deposits	204.0223%	93
Total domestic deposits to total assets	64.5338%	7,745
Equity capital to assets	9.1468%	5,264
Core capital (leverage) ratio	9.6059%	3,784
Tier 1 risk-based capital ratio	12.4369%	4,598
Total risk-based capital ratio	13.6771%	4,556
Memoranda:
Average total assets	$56,086,750	6,541
Average earning assets	$51,725,000	6,510
Average equity	$5,623,000	6,805
Average total loans	$46,782,000	5,858
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1614%	1,595
Cost of funding earning assets	1.7917%	4,802
Net interest margin	4.3697%	1,470
Noninterest income to average assets	0.4586%	4,793
Noninterest expense to average assets	2.8187%	4,874
Loan and lease loss provision to assets	1.0738%	1,590
Net operating income to assets	0.5854%	3,742
Return on assets (ROA)	0.5854%	3,849
Pretax return on assets	0.5854%	4,363
Return on Equity (ROE)	5.6438%	3,807
Retained earnings to average equity (ytd only)	5.6438%	2,185
Net charge-offs to loans	0.4364%	3,061
Credit loss provision to net charge-offs	296.9072%	1,575
Earnings coverage of net charge-offs (x)	4.5876%	3,059
Efficiency ratio	62.9475%	6,092
Assets per employee ($millions)	4.0118%	3,651
Cash dividends to net income (ytd only)*	0.0000%	3,532
Condition Ratios (%)
Loss allowance to loans	1.2007%	4,935
Loan loss allowance to noncurrent loans	14,250.0000%	38
Noncurrent assets plus other real estate owned to assets	0.0071%	7,632
Noncurrent loans to loans	0.0084%	7,543
Net loans and leases to total assets	83.5111%	705
Net loans and leases to deposits	113.4372%	423
Net loans and leases to core deposits	179.4544%	224
Total domestic deposits to total assets	73.6188%	7,017
Equity capital to assets	10.0383%	3,886
Core capital (leverage) ratio	10.3062%	2,987
Tier 1 risk-based capital ratio	13.2366%	3,973
Total risk-based capital ratio	14.4880%	3,890
Memoranda:
Average total assets	$53,642,000	6,681
Average earning assets	$49,339,670	6,660
Average equity	$5,563,670	6,877
Average total loans	$44,455,330	6,005
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1977%	1,609
Cost of funding earning assets	1.8253%	4,998
Net interest margin	4.3724%	1,416
Noninterest income to average assets	0.4124%	5,115
Noninterest expense to average assets	2.8255%	4,444
Loan and lease loss provision to assets	0.9164%	1,424
Net operating income to assets	0.6949%	3,584
Return on assets (ROA)	0.6949%	3,769
Pretax return on assets	0.6949%	4,450
Return on Equity (ROE)	6.5864%	3,789
Retained earnings to average equity (ytd only)	6.5864%	2,384
Net charge-offs to loans	0.0373%	4,985
Credit loss provision to net charge-offs	3,000.0000%	208
Earnings coverage of net charge-offs (x)	52.7500%	692
Efficiency ratio	63.6833%	5,749
Assets per employee ($millions)	3.7552%	4,215
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	1.1195%	5,327
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,674
Noncurrent loans to loans	0.0000%	7,590
Net loans and leases to total assets	83.1644%	829
Net loans and leases to deposits	117.0446%	355
Net loans and leases to core deposits	169.5111%	355
Total domestic deposits to total assets	71.0536%	7,325
Equity capital to assets	10.5986%	3,369
Core capital (leverage) ratio	10.5057%	2,918
Tier 1 risk-based capital ratio	14.0661%	3,548
Total risk-based capital ratio	15.3157%	3,472
Memoranda:
Average total assets	$52,380,500	6,768
Average earning assets	$48,211,500	6,738
Average equity	$5,526,500	6,936
Average total loans	$42,946,000	6,093
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.4555%	3,169
Cost of funding earning assets	2.2155%	5,531
Net interest margin	4.2400%	2,160
Noninterest income to average assets	0.5871%	3,951
Noninterest expense to average assets	3.4845%	2,437
Loan and lease loss provision to assets	0.4720%	2,942
Net operating income to assets	0.4900%	4,785
Return on assets (ROA)	0.4900%	4,611
Pretax return on assets	0.4900%	5,002
Return on Equity (ROE)	4.0312%	4,812
Retained earnings to average equity (ytd only)	4.0312%	2,623
Net charge-offs to loans	0.0117%	6,759
Credit loss provision to net charge-offs	5,225.0000%	98
Earnings coverage of net charge-offs (x)	106.5000%	406
Efficiency ratio	78.3647%	2,862
Assets per employee ($millions)	3.7277%	4,113
Cash dividends to net income (ytd only)*	0.0000%	4,825
Condition Ratios (%)
Loss allowance to loans	0.9094%	6,622
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,674
Noncurrent loans to loans	0.0000%	7,569
Net loans and leases to total assets	79.1293%	1,852
Net loans and leases to deposits	109.9702%	834
Net loans and leases to core deposits	159.4071%	586
Total domestic deposits to total assets	71.9552%	7,007
Equity capital to assets	10.5024%	3,501
Core capital (leverage) ratio	11.1014%	2,509
Tier 1 risk-based capital ratio	14.3459%	3,364
Total risk-based capital ratio	15.3379%	3,417
Memoranda:
Average total assets	$44,282,000	7,014
Average earning assets	$40,307,000	7,028
Average equity	$5,383,000	7,021
Average total loans	$34,277,600	6,473