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Clinton Bank, Performance and Condition Ratios

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2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4122%	3,255
Cost of funding earning assets	1.2110%	2,774
Net interest margin	3.2012%	2,871
Noninterest income to average assets	0.2600%	3,376
Noninterest expense to average assets	2.5702%	2,098
Loan and lease loss provision to assets	0.0400%	2,313
Net operating income to assets	0.5821%	3,490
Return on assets (ROA)	0.5834%	3,477
Pretax return on assets	0.6533%	3,529
Return on Equity (ROE)	3.8200%	3,914
Retained earnings to average equity (ytd only)	1.1695%	3,795
Net charge-offs to loans	0.0052%	2,527
Credit loss provision to net charge-offs	1,200.0000%	349
Earnings coverage of net charge-offs (x)	231.0000%	532
Efficiency ratio	78.8945%	998
Assets per employee ($millions)	6.2996%	2,553
Cash dividends to net income (ytd only)*	69.3878%	861
Condition Ratios (%)
Loss allowance to loans	1.1468%	2,563
Loan loss allowance to noncurrent loans	122.6913%	3,073
Noncurrent assets plus other real estate owned to assets	0.5014%	1,120
Noncurrent loans to loans	0.9347%	799
Net loans and leases to total assets	53.0200%	3,413
Net loans and leases to deposits	62.8386%	3,357
Net loans and leases to core deposits	74.0540%	3,072
Total domestic deposits to total assets	84.3800%	2,508
Equity capital to assets	14.0538%	674
Core capital (leverage) ratio	18.2656%	331
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	25.4480%	355
Memoranda:
Average total assets	$67,193,200	4,145
Average earning assets	$63,007,200	4,108
Average equity	$10,260,400	3,691
Average total loans	$38,423,800	4,017
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3974%	3,110
Cost of funding earning assets	1.0346%	2,941
Net interest margin	3.3628%	2,536
Noninterest income to average assets	0.2700%	3,321
Noninterest expense to average assets	2.6730%	1,736
Loan and lease loss provision to assets	0.0500%	1,947
Net operating income to assets	0.6065%	3,530
Return on assets (ROA)	0.6083%	3,517
Pretax return on assets	0.6903%	3,571
Return on Equity (ROE)	3.8900%	3,997
Retained earnings to average equity (ytd only)	1.8355%	3,758
Net charge-offs to loans	0.0000%	2,666
Credit loss provision to net charge-offs	0.0000%	2,098
Earnings coverage of net charge-offs (x)	0.0000%	2,572
Efficiency ratio	78.3784%	982
Assets per employee ($millions)	5.1573%	3,471
Cash dividends to net income (ytd only)*	52.8620%	1,143
Condition Ratios (%)
Loss allowance to loans	1.1499%	2,619
Loan loss allowance to noncurrent loans	122.8947%	3,028
Noncurrent assets plus other real estate owned to assets	0.5668%	1,035
Noncurrent loans to loans	0.9357%	879
Net loans and leases to total assets	59.8800%	2,860
Net loans and leases to deposits	71.7665%	2,725
Net loans and leases to core deposits	75.7706%	2,884
Total domestic deposits to total assets	83.4300%	2,920
Equity capital to assets	14.6424%	569
Core capital (leverage) ratio	19.9807%	277
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	26.3069%	341
Memoranda:
Average total assets	$65,092,750	4,179
Average earning assets	$60,701,000	4,148
Average equity	$10,169,500	3,707
Average total loans	$37,893,250	4,036
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1650%	3,367
Cost of funding earning assets	0.7884%	3,239
Net interest margin	3.3765%	2,583
Noninterest income to average assets	0.2900%	3,156
Noninterest expense to average assets	2.6508%	1,788
Loan and lease loss provision to assets	0.0700%	1,542
Net operating income to assets	0.6336%	3,499
Return on assets (ROA)	0.6363%	3,503
Pretax return on assets	0.7170%	3,568
Return on Equity (ROE)	3.9900%	4,031
Retained earnings to average equity (ytd only)	0.9730%	3,920
Net charge-offs to loans	0.0054%	2,060
Credit loss provision to net charge-offs	2,400.0000%	225
Earnings coverage of net charge-offs (x)	254.0000%	505
Efficiency ratio	77.0758%	1,086
Assets per employee ($millions)	4.9192%	3,658
Cash dividends to net income (ytd only)*	75.6098%	638
Condition Ratios (%)
Loss allowance to loans	1.2070%	2,403
Loan loss allowance to noncurrent loans	337.6812%	2,009
Noncurrent assets plus other real estate owned to assets	0.2158%	2,115
Noncurrent loans to loans	0.3574%	1,852
Net loans and leases to total assets	59.6400%	2,807
Net loans and leases to deposits	73.4937%	2,545
Net loans and leases to core deposits	77.9215%	2,619
Total domestic deposits to total assets	81.1500%	3,403
Equity capital to assets	15.9578%	452
Core capital (leverage) ratio	19.7728%	276
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	26.8990%	317
Memoranda:
Average total assets	$64,433,000	4,200
Average earning assets	$60,120,667	4,178
Average equity	$10,278,000	3,710
Average total loans	$36,987,333	4,062
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1077%	3,245
Cost of funding earning assets	0.6591%	3,193
Net interest margin	3.4486%	2,504
Noninterest income to average assets	0.2700%	3,286
Noninterest expense to average assets	2.6224%	1,890
Loan and lease loss provision to assets	0.0700%	1,437
Net operating income to assets	0.6865%	3,505
Return on assets (ROA)	0.6865%	3,454
Pretax return on assets	0.7793%	3,513
Return on Equity (ROE)	4.3000%	3,991
Retained earnings to average equity (ytd only)	4.3046%	3,179
Net charge-offs to loans	0.0000%	2,062
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	75.4448%	1,207
Assets per employee ($millions)	4.6421%	3,931
Cash dividends to net income (ytd only)*	0.0000%	2,306
Condition Ratios (%)
Loss allowance to loans	1.2636%	2,221
Loan loss allowance to noncurrent loans	118.7990%	3,208
Noncurrent assets plus other real estate owned to assets	1.0217%	398
Noncurrent loans to loans	1.0637%	678
Net loans and leases to total assets	54.7000%	3,150
Net loans and leases to deposits	65.4396%	2,980
Net loans and leases to core deposits	67.3410%	3,145
Total domestic deposits to total assets	83.5900%	3,177
Equity capital to assets	16.1363%	396
Core capital (leverage) ratio	19.3314%	294
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	28.4346%	287
Memoranda:
Average total assets	$64,674,500	4,258
Average earning assets	$60,083,000	4,232
Average equity	$10,314,500	3,742
Average total loans	$36,177,500	4,128
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6048%	2,791
Cost of funding earning assets	0.4034%	2,072
Net interest margin	3.2014%	2,865
Noninterest income to average assets	0.2400%	3,705
Noninterest expense to average assets	2.3774%	2,483
Loan and lease loss provision to assets	0.0200%	2,518
Net operating income to assets	0.7653%	3,436
Return on assets (ROA)	0.7653%	3,378
Pretax return on assets	0.8542%	3,477
Return on Equity (ROE)	4.7400%	4,058
Retained earnings to average equity (ytd only)	3.1138%	3,685
Net charge-offs to loans	0.0056%	2,222
Credit loss provision to net charge-offs	600.0000%	599
Earnings coverage of net charge-offs (x)	289.5000%	502
Efficiency ratio	73.1572%	1,304
Assets per employee ($millions)	4.5971%	3,971
Cash dividends to net income (ytd only)*	34.2520%	2,201
Condition Ratios (%)
Loss allowance to loans	1.2188%	2,305
Loan loss allowance to noncurrent loans	155.4386%	2,932
Noncurrent assets plus other real estate owned to assets	0.8794%	511
Noncurrent loans to loans	0.7841%	949
Net loans and leases to total assets	55.7900%	3,052
Net loans and leases to deposits	66.3421%	2,871
Net loans and leases to core deposits	67.8862%	3,019
Total domestic deposits to total assets	84.0900%	3,187
Equity capital to assets	15.7585%	406
Core capital (leverage) ratio	19.5129%	277
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	27.2916%	297
Memoranda:
Average total assets	$66,376,000	4,262
Average earning assets	$62,472,600	4,232
Average equity	$10,726,400	3,785
Average total loans	$35,793,600	4,142
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4912%	2,643
Cost of funding earning assets	0.3893%	1,366
Net interest margin	3.1019%	2,934
Noninterest income to average assets	0.2200%	3,870
Noninterest expense to average assets	2.3245%	2,557
Loan and lease loss provision to assets	0.0200%	2,326
Net operating income to assets	0.7157%	3,524
Return on assets (ROA)	0.7157%	3,471
Pretax return on assets	0.7974%	3,580
Return on Equity (ROE)	4.4000%	4,092
Retained earnings to average equity (ytd only)	3.7034%	3,553
Net charge-offs to loans	0.0075%	1,861
Credit loss provision to net charge-offs	600.0000%	556
Earnings coverage of net charge-offs (x)	206.0000%	612
Efficiency ratio	73.8910%	1,286
Assets per employee ($millions)	4.6446%	3,944
Cash dividends to net income (ytd only)*	15.8774%	2,634
Condition Ratios (%)
Loss allowance to loans	1.2249%	2,399
Loan loss allowance to noncurrent loans	155.4386%	2,992
Noncurrent assets plus other real estate owned to assets	0.8704%	563
Noncurrent loans to loans	0.7880%	1,021
Net loans and leases to total assets	54.9400%	3,010
Net loans and leases to deposits	66.8338%	2,643
Net loans and leases to core deposits	68.4512%	2,760
Total domestic deposits to total assets	82.2000%	3,810
Equity capital to assets	15.1990%	439
Core capital (leverage) ratio	19.1747%	270
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	27.8968%	289
Memoranda:
Average total assets	$66,880,250	4,289
Average earning assets	$63,014,000	4,262
Average equity	$10,872,500	3,823
Average total loans	$35,655,000	4,161
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3906%	2,466
Cost of funding earning assets	0.3945%	953
Net interest margin	2.9961%	2,890
Noninterest income to average assets	0.2074%	3,953
Noninterest expense to average assets	2.3082%	2,528
Loan and lease loss provision to assets	0.0356%	1,944
Net operating income to assets	0.6370%	3,518
Return on assets (ROA)	0.6370%	3,468
Pretax return on assets	0.6993%	3,580
Return on Equity (ROE)	3.8385%	4,063
Retained earnings to average equity (ytd only)	2.8208%	3,502
Net charge-offs to loans	0.0113%	1,565
Credit loss provision to net charge-offs	600.0000%	563
Earnings coverage of net charge-offs (x)	124.0000%	722
Efficiency ratio	75.8520%	1,302
Assets per employee ($millions)	4.8995%	3,768
Cash dividends to net income (ytd only)*	26.5116%	2,224
Condition Ratios (%)
Loss allowance to loans	1.2203%	2,585
Loan loss allowance to noncurrent loans	77.5832%	3,574
Noncurrent assets plus other real estate owned to assets	0.8324%	624
Noncurrent loans to loans	1.5728%	466
Net loans and leases to total assets	52.2808%	3,125
Net loans and leases to deposits	65.0327%	2,637
Net loans and leases to core deposits	66.2180%	2,802
Total domestic deposits to total assets	80.3916%	4,193
Equity capital to assets	14.8033%	420
Core capital (leverage) ratio	17.8848%	281
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	27.0160%	288
Memoranda:
Average total assets	$67,499,000	4,329
Average earning assets	$63,882,000	4,303
Average equity	$11,202,333	3,865
Average total loans	$35,484,333	4,222
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2151%	2,637
Cost of funding earning assets	0.3779%	1,001
Net interest margin	2.8373%	3,022
Noninterest income to average assets	0.1912%	4,016
Noninterest expense to average assets	2.4316%	2,068
Loan and lease loss provision to assets	0.0717%	1,149
Net operating income to assets	0.4003%	3,951
Return on assets (ROA)	0.4003%	3,916
Pretax return on assets	0.4242%	3,994
Return on Equity (ROE)	2.2854%	4,217
Retained earnings to average equity (ytd only)	2.2854%	3,466
Net charge-offs to loans	0.0342%	959
Credit loss provision to net charge-offs	400.0000%	585
Earnings coverage of net charge-offs (x)	27.6667%	1,167
Efficiency ratio	83.0612%	914
Assets per employee ($millions)	4.9120%	3,823
Cash dividends to net income (ytd only)*	0.0000%	2,254
Condition Ratios (%)
Loss allowance to loans	1.3030%	2,349
Loan loss allowance to noncurrent loans	65.0000%	3,712
Noncurrent assets plus other real estate owned to assets	0.9888%	515
Noncurrent loans to loans	2.0047%	368
Net loans and leases to total assets	48.6840%	3,314
Net loans and leases to deposits	60.7241%	2,830
Net loans and leases to core deposits	61.8287%	2,986
Total domestic deposits to total assets	80.1725%	4,275
Equity capital to assets	16.1776%	308
Core capital (leverage) ratio	17.8050%	252
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	28.8413%	244
Memoranda:
Average total assets	$66,952,000	4,354
Average earning assets	$64,569,500	4,320
Average equity	$11,726,500	3,887
Average total loans	$35,074,500	4,249
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7131%	2,072
Cost of funding earning assets	0.4542%	1,168
Net interest margin	3.2589%	2,437
Noninterest income to average assets	0.2754%	3,746
Noninterest expense to average assets	2.5352%	2,075
Loan and lease loss provision to assets	0.0490%	2,077
Net operating income to assets	0.7180%	3,577
Return on assets (ROA)	0.7986%	3,408
Pretax return on assets	0.9363%	3,401
Return on Equity (ROE)	4.1440%	4,186
Retained earnings to average equity (ytd only)	-0.8494%	4,573
Net charge-offs to loans	0.2042%	466
Credit loss provision to net charge-offs	44.4444%	2,171
Earnings coverage of net charge-offs (x)	8.0833%	2,318
Efficiency ratio	74.0063%	1,303
Assets per employee ($millions)	4.6526%	4,000
Cash dividends to net income (ytd only)*	120.4981%	118
Condition Ratios (%)
Loss allowance to loans	1.1952%	2,907
Loan loss allowance to noncurrent loans	264.0244%	2,232
Noncurrent assets plus other real estate owned to assets	0.2518%	2,310
Noncurrent loans to loans	0.4527%	2,004
Net loans and leases to total assets	54.9542%	2,736
Net loans and leases to deposits	71.7968%	1,930
Net loans and leases to core deposits	73.2423%	2,137
Total domestic deposits to total assets	76.5414%	4,487
Equity capital to assets	18.8298%	220
Core capital (leverage) ratio	17.8886%	248
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	26.9073%	313
Memoranda:
Average total assets	$65,360,400	4,388
Average earning assets	$63,181,200	4,347
Average equity	$12,596,400	3,869
Average total loans	$35,258,600	4,281
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7478%	2,151
Cost of funding earning assets	0.4767%	1,175
Net interest margin	3.2712%	2,505
Noninterest income to average assets	0.2303%	4,024
Noninterest expense to average assets	2.4010%	2,437
Loan and lease loss provision to assets	0.0657%	1,678
Net operating income to assets	0.8112%	3,494
Return on assets (ROA)	0.8112%	3,564
Pretax return on assets	0.9253%	3,641
Return on Equity (ROE)	4.1852%	4,272
Retained earnings to average equity (ytd only)	-0.4942%	4,612
Net charge-offs to loans	0.2742%	297
Credit loss provision to net charge-offs	44.4444%	1,889
Earnings coverage of net charge-offs (x)	6.7500%	2,164
Efficiency ratio	70.7933%	1,513
Assets per employee ($millions)	4.8051%	3,889
Cash dividends to net income (ytd only)*	111.8090%	122
Condition Ratios (%)
Loss allowance to loans	1.2278%	2,850
Loan loss allowance to noncurrent loans	185.8369%	2,638
Noncurrent assets plus other real estate owned to assets	0.3464%	2,054
Noncurrent loans to loans	0.6607%	1,662
Net loans and leases to total assets	51.7779%	3,214
Net loans and leases to deposits	68.0299%	2,430
Net loans and leases to core deposits	71.4327%	2,473
Total domestic deposits to total assets	76.1104%	4,531
Equity capital to assets	18.7448%	239
Core capital (leverage) ratio	17.7827%	275
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	27.7278%	313
Memoranda:
Average total assets	$65,416,500	4,447
Average earning assets	$63,217,000	4,402
Average equity	$12,679,250	3,916
Average total loans	$35,016,250	4,341
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8017%	2,062
Cost of funding earning assets	0.5039%	1,173
Net interest margin	3.2978%	2,443
Noninterest income to average assets	0.2191%	4,093
Noninterest expense to average assets	2.5649%	1,944
Loan and lease loss provision to assets	0.0741%	1,598
Net operating income to assets	0.6883%	3,788
Return on assets (ROA)	0.6883%	3,852
Pretax return on assets	0.7716%	3,919
Return on Equity (ROE)	3.5112%	4,409
Retained earnings to average equity (ytd only)	-3.1333%	4,724
Net charge-offs to loans	0.1260%	618
Credit loss provision to net charge-offs	109.0909%	1,311
Earnings coverage of net charge-offs (x)	12.4545%	1,722
Efficiency ratio	75.2036%	1,152
Assets per employee ($millions)	5.1246%	3,535
Cash dividends to net income (ytd only)*	189.2377%	54
Condition Ratios (%)
Loss allowance to loans	1.3930%	2,005
Loan loss allowance to noncurrent loans	281.0651%	2,001
Noncurrent assets plus other real estate owned to assets	0.4743%	1,767
Noncurrent loans to loans	0.4956%	2,195
Net loans and leases to total assets	50.4698%	3,506
Net loans and leases to deposits	66.6501%	2,761
Net loans and leases to core deposits	70.0231%	2,780
Total domestic deposits to total assets	75.7235%	4,577
Equity capital to assets	18.8217%	234
Core capital (leverage) ratio	18.0986%	256
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	27.8522%	305
Memoranda:
Average total assets	$64,798,000	4,481
Average earning assets	$62,708,667	4,440
Average equity	$12,702,333	3,916
Average total loans	$34,933,333	4,377
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8085%	2,078
Cost of funding earning assets	0.5302%	1,201
Net interest margin	3.2783%	2,451
Noninterest income to average assets	0.2254%	4,034
Noninterest expense to average assets	2.6296%	1,802
Loan and lease loss provision to assets	0.0751%	1,682
Net operating income to assets	0.6073%	3,923
Return on assets (ROA)	0.6073%	3,987
Pretax return on assets	0.6950%	4,028
Return on Equity (ROE)	3.0350%	4,467
Retained earnings to average equity (ytd only)	3.0350%	3,770
Net charge-offs to loans	-0.0113%	3,713
Credit loss provision to net charge-offs	-1,200.0000%	3,404
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.3481%	1,012
Assets per employee ($millions)	4.6766%	3,951
Cash dividends to net income (ytd only)*	0.0000%	2,433
Condition Ratios (%)
Loss allowance to loans	1.4515%	1,766
Loan loss allowance to noncurrent loans	255.7895%	1,961
Noncurrent assets plus other real estate owned to assets	0.5361%	1,767
Noncurrent loans to loans	0.5675%	2,155
Net loans and leases to total assets	50.3963%	3,587
Net loans and leases to deposits	67.5926%	2,743
Net loans and leases to core deposits	71.1228%	2,773
Total domestic deposits to total assets	74.5590%	4,650
Equity capital to assets	19.5195%	202
Core capital (leverage) ratio	18.7891%	231
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	28.9251%	275
Memoranda:
Average total assets	$63,887,000	4,509
Average earning assets	$61,861,000	4,462
Average equity	$12,784,000	3,919
Average total loans	$35,351,000	4,391
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3213%	1,801
Cost of funding earning assets	0.7285%	1,572
Net interest margin	3.5928%	2,161
Noninterest income to average assets	0.1771%	4,400
Noninterest expense to average assets	2.5070%	2,825
Loan and lease loss provision to assets	0.0759%	3,428
Net operating income to assets	0.8372%	2,949
Return on assets (ROA)	0.9553%	2,604
Pretax return on assets	1.1531%	2,507
Return on Equity (ROE)	4.8318%	3,948
Retained earnings to average equity (ytd only)	3.0959%	3,297
Net charge-offs to loans	0.0107%	2,940
Credit loss provision to net charge-offs	1,200.0000%	682
Earnings coverage of net charge-offs (x)	171.7500%	517
Efficiency ratio	69.7623%	1,980
Assets per employee ($millions)	4.4501%	3,969
Cash dividends to net income (ytd only)*	35.9272%	2,558
Condition Ratios (%)
Loss allowance to loans	1.2708%	2,569
Loan loss allowance to noncurrent loans	237.6884%	2,061
Noncurrent assets plus other real estate owned to assets	0.7287%	1,421
Noncurrent loans to loans	0.5347%	2,376
Net loans and leases to total assets	58.9830%	2,981
Net loans and leases to deposits	81.0530%	1,760
Net loans and leases to core deposits	86.2160%	1,851
Total domestic deposits to total assets	72.7709%	4,686
Equity capital to assets	20.5262%	178
Core capital (leverage) ratio	19.4894%	209
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	28.0774%	286
Memoranda:
Average total assets	$63,223,600	4,469
Average earning assets	$60,121,000	4,435
Average equity	$12,500,400	3,920
Average total loans	$37,337,600	4,368
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4239%	1,790
Cost of funding earning assets	0.7725%	1,620
Net interest margin	3.6514%	2,097
Noninterest income to average assets	0.1555%	4,514
Noninterest expense to average assets	2.5109%	2,803
Loan and lease loss provision to assets	0.0756%	3,381
Net operating income to assets	0.8323%	2,974
Return on assets (ROA)	0.9855%	2,526
Pretax return on assets	1.2145%	2,348
Return on Equity (ROE)	5.0313%	3,888
Retained earnings to average equity (ytd only)	3.8942%	3,102
Net charge-offs to loans	0.0357%	2,120
Credit loss provision to net charge-offs	360.0000%	1,577
Earnings coverage of net charge-offs (x)	52.4000%	1,166
Efficiency ratio	69.5172%	1,956
Assets per employee ($millions)	4.3979%	3,957
Cash dividends to net income (ytd only)*	22.6013%	2,676
Condition Ratios (%)
Loss allowance to loans	1.2021%	2,651
Loan loss allowance to noncurrent loans	239.4737%	1,919
Noncurrent assets plus other real estate owned to assets	0.8900%	1,295
Noncurrent loans to loans	0.5020%	2,549
Net loans and leases to total assets	60.7341%	3,136
Net loans and leases to deposits	84.4833%	1,858
Net loans and leases to core deposits	89.9846%	1,968
Total domestic deposits to total assets	71.8889%	4,685
Equity capital to assets	20.7893%	184
Core capital (leverage) ratio	19.1811%	231
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	28.4358%	295
Memoranda:
Average total assets	$63,454,250	4,478
Average earning assets	$60,066,500	4,456
Average equity	$12,428,500	3,931
Average total loans	$37,367,000	4,389
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5581%	1,762
Cost of funding earning assets	0.8315%	1,671
Net interest margin	3.7266%	2,065
Noninterest income to average assets	0.1124%	4,732
Noninterest expense to average assets	2.4781%	3,027
Loan and lease loss provision to assets	0.0749%	3,356
Net operating income to assets	0.8018%	3,039
Return on assets (ROA)	1.0237%	2,370
Pretax return on assets	1.3514%	1,861
Return on Equity (ROE)	5.3313%	3,736
Retained earnings to average equity (ytd only)	3.6084%	3,117
Net charge-offs to loans	0.0215%	2,289
Credit loss provision to net charge-offs	600.0000%	1,104
Earnings coverage of net charge-offs (x)	91.7500%	737
Efficiency ratio	68.3893%	2,188
Assets per employee ($millions)	4.7541%	3,466
Cash dividends to net income (ytd only)*	32.3171%	2,261
Condition Ratios (%)
Loss allowance to loans	1.2220%	2,398
Loan loss allowance to noncurrent loans	154.8276%	2,560
Noncurrent assets plus other real estate owned to assets	0.7978%	1,555
Noncurrent loans to loans	0.7893%	1,916
Net loans and leases to total assets	54.5284%	3,831
Net loans and leases to deposits	76.8366%	2,772
Net loans and leases to core deposits	82.3886%	2,746
Total domestic deposits to total assets	70.9667%	4,750
Equity capital to assets	18.9639%	240
Core capital (leverage) ratio	19.4580%	233
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	27.4877%	323
Memoranda:
Average total assets	$64,082,333	4,481
Average earning assets	$60,376,333	4,466
Average equity	$12,304,667	3,947
Average total loans	$37,206,333	4,403
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3141%	2,882
Cost of funding earning assets	0.9609%	1,599
Net interest margin	3.3532%	3,439
Noninterest income to average assets	0.0446%	4,983
Noninterest expense to average assets	2.6669%	2,794
Loan and lease loss provision to assets	0.0764%	2,769
Net operating income to assets	0.4035%	4,126
Return on assets (ROA)	0.8847%	2,669
Pretax return on assets	1.0502%	2,663
Return on Equity (ROE)	4.5776%	3,792
Retained earnings to average equity (ytd only)	4.5776%	2,467
Net charge-offs to loans	0.0107%	2,196
Credit loss provision to net charge-offs	1,200.0000%	502
Earnings coverage of net charge-offs (x)	87.0000%	639
Efficiency ratio	82.8063%	914
Assets per employee ($millions)	4.3656%	3,454
Cash dividends to net income (ytd only)*	0.0000%	2,581
Condition Ratios (%)
Loss allowance to loans	1.2264%	2,527
Loan loss allowance to noncurrent loans	35.1438%	4,322
Noncurrent assets plus other real estate owned to assets	2.4428%	289
Noncurrent loans to loans	3.4896%	270
Net loans and leases to total assets	57.9829%	3,672
Net loans and leases to deposits	83.8809%	2,250
Net loans and leases to core deposits	90.6923%	2,280
Total domestic deposits to total assets	69.1253%	4,889
Equity capital to assets	19.8125%	256
Core capital (leverage) ratio	18.7119%	301
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$62,844,500	4,515
Average earning assets	$59,525,500	4,489
Average equity	$12,146,000	3,981
Average total loans	$37,438,500	4,422
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3111%	3,509
Cost of funding earning assets	0.9730%	1,840
Net interest margin	3.3381%	3,895
Noninterest income to average assets	0.2141%	4,385
Noninterest expense to average assets	2.4075%	3,671
Loan and lease loss provision to assets	0.0434%	3,143
Net operating income to assets	0.8112%	3,524
Return on assets (ROA)	0.8284%	3,556
Pretax return on assets	0.9711%	3,537
Return on Equity (ROE)	4.4741%	4,350
Retained earnings to average equity (ytd only)	0.3938%	4,576
Net charge-offs to loans	0.2322%	879
Credit loss provision to net charge-offs	32.9412%	3,253
Earnings coverage of net charge-offs (x)	7.5412%	2,864
Efficiency ratio	70.7706%	2,055
Assets per employee ($millions)	4.6122%	3,073
Cash dividends to net income (ytd only)*	91.1985%	500
Condition Ratios (%)
Loss allowance to loans	1.1000%	2,954
Loan loss allowance to noncurrent loans	31.2454%	4,411
Noncurrent assets plus other real estate owned to assets	2.5414%	251
Noncurrent loans to loans	3.5206%	233
Net loans and leases to total assets	59.7327%	3,611
Net loans and leases to deposits	89.1833%	1,677
Net loans and leases to core deposits	99.2537%	1,625
Total domestic deposits to total assets	66.9774%	5,011
Equity capital to assets	18.8676%	307
Core capital (leverage) ratio	18.0099%	340
Tier 1 risk-based capital ratio	23.3836%	878
Total risk-based capital ratio	24.2344%	894
Memoranda:
Average total assets	$64,465,400	4,526
Average earning assets	$61,561,400	4,484
Average equity	$11,935,400	4,004
Average total loans	$36,612,200	4,486
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2416%	3,827
Cost of funding earning assets	0.9581%	1,950
Net interest margin	3.2834%	4,116
Noninterest income to average assets	0.2028%	4,505
Noninterest expense to average assets	2.3981%	3,688
Loan and lease loss provision to assets	0.0579%	2,740
Net operating income to assets	0.7791%	3,747
Return on assets (ROA)	0.7987%	3,752
Pretax return on assets	0.9249%	3,807
Return on Equity (ROE)	4.3344%	4,523
Retained earnings to average equity (ytd only)	0.0449%	4,750
Net charge-offs to loans	0.0111%	2,967
Credit loss provision to net charge-offs	933.3333%	380
Earnings coverage of net charge-offs (x)	154.6625%	530
Efficiency ratio	71.4110%	1,907
Assets per employee ($millions)	4.6542%	2,963
Cash dividends to net income (ytd only)*	98.9643%	334
Condition Ratios (%)
Loss allowance to loans	1.3055%	1,941
Loan loss allowance to noncurrent loans	36.6308%	4,405
Noncurrent assets plus other real estate owned to assets	2.5522%	263
Noncurrent loans to loans	3.5640%	220
Net loans and leases to total assets	59.2857%	3,741
Net loans and leases to deposits	89.5021%	1,757
Net loans and leases to core deposits	103.2888%	1,388
Total domestic deposits to total assets	66.2395%	5,093
Equity capital to assets	18.5945%	344
Core capital (leverage) ratio	18.0261%	352
Tier 1 risk-based capital ratio	25.5430%	733
Total risk-based capital ratio	26.6541%	734
Memoranda:
Average total assets	$64,439,000	4,584
Average earning assets	$61,925,250	4,533
Average equity	$11,873,500	4,054
Average total loans	$36,015,500	4,559
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2032%	3,922
Cost of funding earning assets	0.9301%	2,012
Net interest margin	3.2731%	4,192
Noninterest income to average assets	0.1900%	4,617
Noninterest expense to average assets	2.4237%	3,674
Loan and lease loss provision to assets	0.0748%	2,322
Net operating income to assets	0.7259%	3,915
Return on assets (ROA)	0.7259%	3,977
Pretax return on assets	0.8380%	3,999
Return on Equity (ROE)	3.9516%	4,600
Retained earnings to average equity (ytd only)	-1.4077%	4,870
Net charge-offs to loans	0.0229%	2,386
Credit loss provision to net charge-offs	600.0000%	523
Earnings coverage of net charge-offs (x)	73.2500%	867
Efficiency ratio	72.6424%	1,821
Assets per employee ($millions)	4.5746%	3,033
Cash dividends to net income (ytd only)*	135.6223%	191
Condition Ratios (%)
Loss allowance to loans	1.4404%	1,459
Loan loss allowance to noncurrent loans	36.2205%	4,446
Noncurrent assets plus other real estate owned to assets	2.5998%	276
Noncurrent loans to loans	3.9768%	181
Net loans and leases to total assets	54.0613%	4,202
Net loans and leases to deposits	81.5234%	2,783
Net loans and leases to core deposits	88.8316%	2,721
Total domestic deposits to total assets	66.3138%	5,143
Equity capital to assets	18.6996%	313
Core capital (leverage) ratio	18.3492%	320
Tier 1 risk-based capital ratio	25.0462%	753
Total risk-based capital ratio	26.1331%	747
Memoranda:
Average total assets	$64,199,000	4,623
Average earning assets	$61,715,330	4,574
Average equity	$11,792,670	4,076
Average total loans	$34,973,670	4,626
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0316%	4,299
Cost of funding earning assets	0.8348%	2,352
Net interest margin	3.1968%	4,391
Noninterest income to average assets	0.1618%	4,769
Noninterest expense to average assets	2.5017%	3,502
Loan and lease loss provision to assets	0.0747%	2,184
Net operating income to assets	0.5352%	4,424
Return on assets (ROA)	0.5352%	4,448
Pretax return on assets	0.6597%	4,396
Return on Equity (ROE)	2.9399%	4,798
Retained earnings to average equity (ytd only)	2.9399%	3,761
Net charge-offs to loans	0.0115%	2,278
Credit loss provision to net charge-offs	1,200.0000%	321
Earnings coverage of net charge-offs (x)	118.0000%	599
Efficiency ratio	77.3077%	1,346
Assets per employee ($millions)	4.7207%	2,887
Cash dividends to net income (ytd only)*	0.0000%	2,768
Condition Ratios (%)
Loss allowance to loans	1.4917%	1,361
Loan loss allowance to noncurrent loans	30.6273%	4,614
Noncurrent assets plus other real estate owned to assets	2.8658%	227
Noncurrent loans to loans	4.8706%	121
Net loans and leases to total assets	49.7594%	4,485
Net loans and leases to deposits	74.0059%	3,453
Net loans and leases to core deposits	80.3038%	3,335
Total domestic deposits to total assets	67.2371%	5,190
Equity capital to assets	17.9331%	353
Core capital (leverage) ratio	18.9430%	281
Tier 1 risk-based capital ratio	27.0546%	615
Total risk-based capital ratio	28.1937%	612
Memoranda:
Average total assets	$64,276,500	4,672
Average earning assets	$61,811,000	4,619
Average equity	$11,701,000	4,103
Average total loans	$34,896,000	4,671
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0384%	3,919
Cost of funding earning assets	0.6694%	2,270
Net interest margin	3.3690%	4,080
Noninterest income to average assets	0.2600%	4,375
Noninterest expense to average assets	2.6109%	3,306
Loan and lease loss provision to assets	0.0775%	2,578
Net operating income to assets	0.7234%	4,059
Return on assets (ROA)	0.7234%	4,070
Pretax return on assets	0.8057%	4,154
Return on Equity (ROE)	3.9104%	4,733
Retained earnings to average equity (ytd only)	1.9552%	4,368
Net charge-offs to loans	-0.0027%	4,271
Credit loss provision to net charge-offs	-4,800.0000%	4,930
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	74.7227%	1,535
Assets per employee ($millions)	4.4616%	3,224
Cash dividends to net income (ytd only)*	50.0000%	1,953
Condition Ratios (%)
Loss allowance to loans	1.3349%	1,891
Loan loss allowance to noncurrent loans	23.4783%	4,718
Noncurrent assets plus other real estate owned to assets	3.3396%	168
Noncurrent loans to loans	5.6856%	87
Net loans and leases to total assets	57.5092%	4,008
Net loans and leases to deposits	88.0808%	2,032
Net loans and leases to core deposits	95.6466%	2,088
Total domestic deposits to total assets	65.2915%	5,256
Equity capital to assets	18.4909%	303
Core capital (leverage) ratio	19.3339%	255
Tier 1 risk-based capital ratio	25.8514%	683
Total risk-based capital ratio	26.9213%	678
Memoranda:
Average total assets	$61,933,600	4,720
Average earning assets	$59,453,600	4,672
Average equity	$11,456,600	4,092
Average total loans	$37,010,400	4,632
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9877%	3,964
Cost of funding earning assets	0.6162%	2,364
Net interest margin	3.3714%	4,100
Noninterest income to average assets	0.2610%	4,406
Noninterest expense to average assets	2.6428%	3,144
Loan and lease loss provision to assets	0.0777%	2,404
Net operating income to assets	0.6925%	4,249
Return on assets (ROA)	0.6925%	4,255
Pretax return on assets	0.7745%	4,360
Return on Equity (ROE)	3.7434%	4,878
Retained earnings to average equity (ytd only)	2.3907%	4,441
Net charge-offs to loans	-0.0072%	4,311
Credit loss provision to net charge-offs	-1,800.0000%	4,734
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	75.6173%	1,396
Assets per employee ($millions)	4.3213%	3,397
Cash dividends to net income (ytd only)*	36.1364%	2,247
Condition Ratios (%)
Loss allowance to loans	1.3205%	1,993
Loan loss allowance to noncurrent loans	23.2160%	4,838
Noncurrent assets plus other real estate owned to assets	3.4084%	177
Noncurrent loans to loans	5.6881%	92
Net loans and leases to total assets	58.6714%	3,974
Net loans and leases to deposits	92.0108%	1,625
Net loans and leases to core deposits	100.3960%	1,751
Total domestic deposits to total assets	63.7657%	5,352
Equity capital to assets	18.7824%	282
Core capital (leverage) ratio	19.4573%	256
Tier 1 risk-based capital ratio	25.9679%	683
Total risk-based capital ratio	27.0200%	679
Memoranda:
Average total assets	$61,801,250	4,776
Average earning assets	$59,281,250	4,730
Average equity	$11,433,250	4,132
Average total loans	$37,161,000	4,680
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8627%	4,181
Cost of funding earning assets	0.5590%	2,528
Net interest margin	3.3037%	4,238
Noninterest income to average assets	0.2442%	4,549
Noninterest expense to average assets	2.6416%	3,186
Loan and lease loss provision to assets	0.0771%	2,360
Net operating income to assets	0.6331%	4,401
Return on assets (ROA)	0.6331%	4,408
Pretax return on assets	0.6973%	4,519
Return on Equity (ROE)	3.4390%	4,938
Retained earnings to average equity (ytd only)	1.5537%	4,621
Net charge-offs to loans	0.0000%	3,209
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.3283%	1,272
Assets per employee ($millions)	4.4429%	3,218
Cash dividends to net income (ytd only)*	54.8223%	1,502
Condition Ratios (%)
Loss allowance to loans	1.2464%	2,450
Loan loss allowance to noncurrent loans	22.4549%	4,852
Noncurrent assets plus other real estate owned to assets	3.3296%	200
Noncurrent loans to loans	5.5506%	106
Net loans and leases to total assets	58.7235%	3,923
Net loans and leases to deposits	93.9503%	1,364
Net loans and leases to core deposits	102.4227%	1,533
Total domestic deposits to total assets	62.5048%	5,425
Equity capital to assets	18.2556%	306
Core capital (leverage) ratio	18.6834%	284
Tier 1 risk-based capital ratio	23.0153%	934
Total risk-based capital ratio	23.9293%	947
Memoranda:
Average total assets	$62,235,670	4,825
Average earning assets	$59,751,670	4,772
Average equity	$11,456,670	4,167
Average total loans	$37,558,000	4,715
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1485%	3,068
Cost of funding earning assets	0.5446%	2,446
Net interest margin	3.6039%	3,162
Noninterest income to average assets	0.2442%	4,541
Noninterest expense to average assets	2.6537%	3,182
Loan and lease loss provision to assets	0.0771%	2,227
Net operating income to assets	0.8481%	3,513
Return on assets (ROA)	0.8481%	3,531
Pretax return on assets	0.9574%	3,675
Return on Equity (ROE)	4.5883%	4,610
Retained earnings to average equity (ytd only)	4.5883%	3,369
Net charge-offs to loans	0.0317%	1,862
Credit loss provision to net charge-offs	400.0000%	691
Earnings coverage of net charge-offs (x)	53.6667%	912
Efficiency ratio	71.9512%	2,203
Assets per employee ($millions)	4.5004%	3,155
Cash dividends to net income (ytd only)*	0.0000%	2,749
Condition Ratios (%)
Loss allowance to loans	1.2049%	2,779
Loan loss allowance to noncurrent loans	87.4510%	3,694
Noncurrent assets plus other real estate owned to assets	0.8380%	1,890
Noncurrent loans to loans	1.3779%	1,301
Net loans and leases to total assets	58.0398%	3,935
Net loans and leases to deposits	85.6855%	2,203
Net loans and leases to core deposits	92.6593%	2,247
Total domestic deposits to total assets	67.7359%	5,424
Equity capital to assets	18.1747%	299
Core capital (leverage) ratio	18.5125%	287
Tier 1 risk-based capital ratio	25.8584%	695
Total risk-based capital ratio	26.8482%	697
Memoranda:
Average total assets	$62,253,500	4,888
Average earning assets	$59,491,500	4,839
Average equity	$11,507,500	4,192
Average total loans	$37,843,500	4,754
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0814%	3,122
Cost of funding earning assets	0.4537%	2,739
Net interest margin	3.6277%	3,075
Noninterest income to average assets	0.2529%	4,620
Noninterest expense to average assets	2.4603%	3,912
Loan and lease loss provision to assets	0.0783%	2,630
Net operating income to assets	0.8491%	2,959
Return on assets (ROA)	0.8468%	2,995
Pretax return on assets	1.1943%	2,796
Return on Equity (ROE)	4.4975%	4,350
Retained earnings to average equity (ytd only)	2.1837%	4,015
Net charge-offs to loans	0.2261%	1,146
Credit loss provision to net charge-offs	57.1429%	3,246
Earnings coverage of net charge-offs (x)	9.3095%	2,807
Efficiency ratio	65.8515%	3,301
Assets per employee ($millions)	4.3930%	3,355
Cash dividends to net income (ytd only)*	51.4451%	2,211
Condition Ratios (%)
Loss allowance to loans	1.1300%	3,188
Loan loss allowance to noncurrent loans	83.2381%	3,850
Noncurrent assets plus other real estate owned to assets	0.9593%	1,617
Noncurrent loans to loans	1.3575%	1,286
Net loans and leases to total assets	62.1703%	3,596
Net loans and leases to deposits	90.3625%	1,734
Net loans and leases to core deposits	97.7803%	1,874
Total domestic deposits to total assets	68.8010%	5,447
Equity capital to assets	18.8026%	259
Core capital (leverage) ratio	18.8078%	247
Tier 1 risk-based capital ratio	25.1627%	714
Total risk-based capital ratio	26.1173%	716
Memoranda:
Average total assets	$61,292,800	4,937
Average earning assets	$58,853,000	4,882
Average equity	$11,539,800	4,220
Average total loans	$37,151,000	4,815
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0442%	3,201
Cost of funding earning assets	0.4415%	2,795
Net interest margin	3.6026%	3,136
Noninterest income to average assets	0.2569%	4,664
Noninterest expense to average assets	2.4428%	3,907
Loan and lease loss provision to assets	0.0784%	2,518
Net operating income to assets	0.9330%	2,865
Return on assets (ROA)	0.9296%	2,943
Pretax return on assets	1.1953%	2,929
Return on Equity (ROE)	4.9361%	4,548
Retained earnings to average equity (ytd only)	3.6876%	3,732
Net charge-offs to loans	0.0580%	2,297
Credit loss provision to net charge-offs	225.0000%	1,235
Earnings coverage of net charge-offs (x)	36.6925%	1,385
Efficiency ratio	65.6524%	3,271
Assets per employee ($millions)	4.3609%	3,370
Cash dividends to net income (ytd only)*	25.2933%	2,934
Condition Ratios (%)
Loss allowance to loans	1.3168%	2,279
Loan loss allowance to noncurrent loans	157.5080%	2,686
Noncurrent assets plus other real estate owned to assets	0.5422%	2,896
Noncurrent loans to loans	0.8360%	2,270
Net loans and leases to total assets	60.5130%	3,806
Net loans and leases to deposits	89.4379%	1,880
Net loans and leases to core deposits	96.9583%	1,986
Total domestic deposits to total assets	67.6592%	5,546
Equity capital to assets	19.2947%	256
Core capital (leverage) ratio	18.7514%	264
Tier 1 risk-based capital ratio	24.4219%	808
Total risk-based capital ratio	25.4611%	808
Memoranda:
Average total assets	$61,240,500	4,992
Average earning assets	$58,881,750	4,935
Average equity	$11,533,750	4,263
Average total loans	$36,770,500	4,874
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9871%	3,250
Cost of funding earning assets	0.4177%	2,909
Net interest margin	3.5694%	3,151
Noninterest income to average assets	0.2545%	4,714
Noninterest expense to average assets	2.4599%	3,892
Loan and lease loss provision to assets	0.0783%	2,416
Net operating income to assets	0.8859%	2,985
Return on assets (ROA)	0.8809%	3,075
Pretax return on assets	1.1386%	3,013
Return on Equity (ROE)	4.7155%	4,597
Retained earnings to average equity (ytd only)	2.8293%	4,025
Net charge-offs to loans	0.0055%	3,272
Credit loss provision to net charge-offs	2,400.0000%	177
Earnings coverage of net charge-offs (x)	375.0000%	226
Efficiency ratio	66.7848%	3,212
Assets per employee ($millions)	4.4136%	3,252
Cash dividends to net income (ytd only)*	40.0000%	2,326
Condition Ratios (%)
Loss allowance to loans	1.3421%	2,216
Loan loss allowance to noncurrent loans	49.7992%	4,585
Noncurrent assets plus other real estate owned to assets	1.6119%	919
Noncurrent loans to loans	2.6950%	522
Net loans and leases to total assets	59.0070%	3,921
Net loans and leases to deposits	86.9610%	2,108
Net loans and leases to core deposits	94.1512%	2,142
Total domestic deposits to total assets	67.8545%	5,598
Equity capital to assets	18.8765%	269
Core capital (leverage) ratio	18.7223%	259
Tier 1 risk-based capital ratio	23.5339%	897
Total risk-based capital ratio	24.5552%	899
Memoranda:
Average total assets	$61,303,000	5,034
Average earning assets	$58,890,000	4,976
Average equity	$11,451,670	4,283
Average total loans	$36,548,000	4,914
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9461%	3,220
Cost of funding earning assets	0.3631%	3,383
Net interest margin	3.5830%	2,948
Noninterest income to average assets	0.2555%	4,707
Noninterest expense to average assets	2.4828%	3,865
Loan and lease loss provision to assets	0.0786%	2,241
Net operating income to assets	0.8909%	2,812
Return on assets (ROA)	0.8909%	2,856
Pretax return on assets	1.1202%	2,905
Return on Equity (ROE)	4.7949%	4,485
Retained earnings to average equity (ytd only)	4.7949%	3,016
Net charge-offs to loans	-0.0110%	4,470
Credit loss provision to net charge-offs	-1,200.0000%	4,460
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.4377%	3,284
Assets per employee ($millions)	4.3411%	3,434
Cash dividends to net income (ytd only)*	0.0000%	2,824
Condition Ratios (%)
Loss allowance to loans	1.3658%	2,228
Loan loss allowance to noncurrent loans	159.8684%	2,688
Noncurrent assets plus other real estate owned to assets	0.5002%	3,214
Noncurrent loans to loans	0.8543%	2,323
Net loans and leases to total assets	57.7507%	3,998
Net loans and leases to deposits	85.6487%	2,071
Net loans and leases to core deposits	92.9010%	2,076
Total domestic deposits to total assets	67.4274%	5,686
Equity capital to assets	18.8663%	253
Core capital (leverage) ratio	18.9036%	237
Tier 1 risk-based capital ratio	24.7418%	799
Total risk-based capital ratio	25.7963%	795
Memoranda:
Average total assets	$61,059,000	5,092
Average earning assets	$58,387,000	5,040
Average equity	$11,345,500	4,327
Average total loans	$36,343,500	4,962
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0487%	3,027
Cost of funding earning assets	0.3819%	3,181
Net interest margin	3.6669%	2,833
Noninterest income to average assets	0.4030%	3,860
Noninterest expense to average assets	2.4824%	4,069
Loan and lease loss provision to assets	0.1036%	2,314
Net operating income to assets	0.9775%	2,449
Return on assets (ROA)	1.0281%	2,332
Pretax return on assets	1.3424%	2,129
Return on Equity (ROE)	5.5352%	4,193
Retained earnings to average equity (ytd only)	3.8879%	3,155
Net charge-offs to loans	-0.0116%	4,973
Credit loss provision to net charge-offs	-1,575.0000%	5,355
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	64.2675%	3,891
Assets per employee ($millions)	4.0895%	3,807
Cash dividends to net income (ytd only)*	29.7600%	3,326
Condition Ratios (%)
Loss allowance to loans	1.2748%	2,678
Loan loss allowance to noncurrent loans	135.9195%	3,009
Noncurrent assets plus other real estate owned to assets	0.6292%	2,835
Noncurrent loans to loans	0.9379%	2,211
Net loans and leases to total assets	59.7134%	3,888
Net loans and leases to deposits	85.8288%	2,198
Net loans and leases to core deposits	95.1775%	1,991
Total domestic deposits to total assets	69.5727%	5,681
Equity capital to assets	18.2987%	286
Core capital (leverage) ratio	18.5823%	246
Tier 1 risk-based capital ratio	24.6176%	803
Total risk-based capital ratio	25.6511%	805
Memoranda:
Average total assets	$60,788,800	5,119
Average earning assets	$57,351,600	5,093
Average equity	$11,291,400	4,378
Average total loans	$34,479,600	5,054
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0577%	3,011
Cost of funding earning assets	0.3816%	3,210
Net interest margin	3.6761%	2,808
Noninterest income to average assets	0.4287%	3,706
Noninterest expense to average assets	2.5171%	3,935
Loan and lease loss provision to assets	0.0791%	2,634
Net operating income to assets	0.9984%	2,440
Return on assets (ROA)	1.0552%	2,301
Pretax return on assets	1.3806%	2,124
Return on Equity (ROE)	5.6595%	4,236
Retained earnings to average equity (ytd only)	4.8107%	2,949
Net charge-offs to loans	-0.0118%	4,832
Credit loss provision to net charge-offs	-1,200.0000%	5,244
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	64.5070%	3,850
Assets per employee ($millions)	4.2846%	3,443
Cash dividends to net income (ytd only)*	15.0005%	3,415
Condition Ratios (%)
Loss allowance to loans	1.2730%	2,826
Loan loss allowance to noncurrent loans	146.3816%	2,842
Noncurrent assets plus other real estate owned to assets	0.5768%	3,173
Noncurrent loans to loans	0.8697%	2,514
Net loans and leases to total assets	57.5327%	4,138
Net loans and leases to deposits	82.5543%	2,663
Net loans and leases to core deposits	91.7504%	2,413
Total domestic deposits to total assets	69.6908%	5,716
Equity capital to assets	19.2381%	255
Core capital (leverage) ratio	18.7160%	247
Tier 1 risk-based capital ratio	25.6636%	748
Total risk-based capital ratio	26.6801%	750
Memoranda:
Average total assets	$60,650,250	5,172
Average earning assets	$57,305,000	5,139
Average equity	$11,308,000	4,412
Average total loans	$33,823,750	5,121
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1084%	2,825
Cost of funding earning assets	0.3843%	3,217
Net interest margin	3.7241%	2,598
Noninterest income to average assets	0.2464%	5,007
Noninterest expense to average assets	2.5266%	3,966
Loan and lease loss provision to assets	0.0789%	2,571
Net operating income to assets	0.8887%	2,919
Return on assets (ROA)	0.9758%	2,640
Pretax return on assets	1.2551%	2,590
Return on Equity (ROE)	5.2891%	4,392
Retained earnings to average equity (ytd only)	4.0069%	3,357
Net charge-offs to loans	-0.0120%	4,756
Credit loss provision to net charge-offs	-1,200.0000%	5,130
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.3970%	3,469
Assets per employee ($millions)	4.3144%	3,344
Cash dividends to net income (ytd only)*	24.2424%	3,053
Condition Ratios (%)
Loss allowance to loans	1.2915%	2,836
Loan loss allowance to noncurrent loans	129.3413%	3,163
Noncurrent assets plus other real estate owned to assets	0.6225%	3,140
Noncurrent loans to loans	0.9985%	2,290
Net loans and leases to total assets	54.6630%	4,442
Net loans and leases to deposits	78.2560%	3,131
Net loans and leases to core deposits	86.8800%	2,829
Total domestic deposits to total assets	69.8515%	5,787
Equity capital to assets	18.8772%	271
Core capital (leverage) ratio	18.3117%	269
Tier 1 risk-based capital ratio	24.0847%	897
Total risk-based capital ratio	25.0262%	903
Memoranda:
Average total assets	$60,872,000	5,225
Average earning assets	$57,248,330	5,196
Average equity	$11,230,670	4,444
Average total loans	$33,446,330	5,190
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8770%	3,674
Cost of funding earning assets	0.3884%	3,208
Net interest margin	3.4886%	3,512
Noninterest income to average assets	0.2291%	5,102
Noninterest expense to average assets	2.5071%	4,049
Loan and lease loss provision to assets	0.0786%	2,393
Net operating income to assets	0.7043%	3,689
Return on assets (ROA)	0.8248%	3,250
Pretax return on assets	1.0277%	3,376
Return on Equity (ROE)	4.5222%	4,695
Retained earnings to average equity (ytd only)	4.5222%	3,224
Net charge-offs to loans	0.0000%	3,094
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.4008%	2,741
Assets per employee ($millions)	4.3041%	3,403
Cash dividends to net income (ytd only)*	0.0000%	2,863
Condition Ratios (%)
Loss allowance to loans	1.2825%	2,995
Loan loss allowance to noncurrent loans	49.1187%	4,852
Noncurrent assets plus other real estate owned to assets	1.4820%	1,383
Noncurrent loans to loans	2.6110%	696
Net loans and leases to total assets	53.3954%	4,507
Net loans and leases to deposits	76.2387%	3,194
Net loans and leases to core deposits	84.0803%	2,933
Total domestic deposits to total assets	70.0372%	5,861
Equity capital to assets	18.5950%	286
Core capital (leverage) ratio	18.1061%	288
Tier 1 risk-based capital ratio	26.0221%	734
Total risk-based capital ratio	27.0151%	739
Memoranda:
Average total assets	$61,107,500	5,267
Average earning assets	$56,642,000	5,248
Average equity	$11,145,000	4,476
Average total loans	$33,445,000	5,229
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7531%	4,185
Cost of funding earning assets	0.3852%	3,316
Net interest margin	3.3679%	4,046
Noninterest income to average assets	0.2617%	5,015
Noninterest expense to average assets	2.5535%	4,062
Loan and lease loss provision to assets	0.0785%	2,713
Net operating income to assets	0.6727%	3,937
Return on assets (ROA)	0.7607%	3,614
Pretax return on assets	0.9095%	3,798
Return on Equity (ROE)	4.2417%	4,831
Retained earnings to average equity (ytd only)	2.5906%	4,227
Net charge-offs to loans	0.1673%	1,690
Credit loss provision to net charge-offs	85.7143%	2,838
Earnings coverage of net charge-offs (x)	9.6429%	2,798
Efficiency ratio	74.2980%	2,534
Assets per employee ($millions)	4.4255%	3,162
Cash dividends to net income (ytd only)*	38.9247%	2,893
Condition Ratios (%)
Loss allowance to loans	1.1838%	3,570
Loan loss allowance to noncurrent loans	44.1785%	5,007
Noncurrent assets plus other real estate owned to assets	1.5511%	1,282
Noncurrent loans to loans	2.6795%	661
Net loans and leases to total assets	54.7008%	4,429
Net loans and leases to deposits	78.7339%	2,969
Net loans and leases to core deposits	86.6556%	2,735
Total domestic deposits to total assets	69.4756%	5,917
Equity capital to assets	17.8914%	323
Core capital (leverage) ratio	18.4463%	267
Tier 1 risk-based capital ratio	25.1154%	807
Total risk-based capital ratio	26.0571%	818
Memoranda:
Average total assets	$61,131,400	5,292
Average earning assets	$57,632,800	5,251
Average equity	$10,962,600	4,487
Average total loans	$33,473,400	5,245
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6806%	4,476
Cost of funding earning assets	0.3878%	3,354
Net interest margin	3.2928%	4,383
Noninterest income to average assets	0.2626%	5,062
Noninterest expense to average assets	2.5802%	3,943
Loan and lease loss provision to assets	0.0788%	2,598
Net operating income to assets	0.6191%	4,294
Return on assets (ROA)	0.7353%	3,846
Pretax return on assets	0.8841%	4,036
Return on Equity (ROE)	4.0980%	4,993
Retained earnings to average equity (ytd only)	3.2198%	4,169
Net charge-offs to loans	-0.1964%	5,987
Credit loss provision to net charge-offs	-73.4694%	5,007
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	75.8199%	2,274
Assets per employee ($millions)	4.5848%	2,864
Cash dividends to net income (ytd only)*	21.4290%	3,185
Condition Ratios (%)
Loss allowance to loans	1.4837%	2,224
Loan loss allowance to noncurrent loans	47.6145%	5,016
Noncurrent assets plus other real estate owned to assets	1.7701%	1,220
Noncurrent loans to loans	3.1161%	548
Net loans and leases to total assets	55.5904%	4,400
Net loans and leases to deposits	82.3467%	2,602
Net loans and leases to core deposits	89.4423%	2,519
Total domestic deposits to total assets	67.5078%	6,054
Equity capital to assets	18.5145%	305
Core capital (leverage) ratio	17.9802%	301
Tier 1 risk-based capital ratio	23.6337%	984
Total risk-based capital ratio	24.7250%	991
Memoranda:
Average total assets	$60,925,000	5,368
Average earning assets	$58,105,000	5,304
Average equity	$10,932,000	4,548
Average total loans	$33,267,500	5,311
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5913%	4,741
Cost of funding earning assets	0.3899%	3,372
Net interest margin	3.2014%	4,656
Noninterest income to average assets	0.2477%	5,178
Noninterest expense to average assets	2.3922%	4,572
Loan and lease loss provision to assets	0.0782%	2,559
Net operating income to assets	0.6873%	3,950
Return on assets (ROA)	0.8604%	3,182
Pretax return on assets	1.0364%	3,434
Return on Equity (ROE)	4.8451%	4,687
Retained earnings to average equity (ytd only)	3.5237%	3,785
Net charge-offs to loans	-0.2896%	6,113
Credit loss provision to net charge-offs	-50.0000%	4,814
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.5296%	2,923
Assets per employee ($millions)	4.2880%	3,327
Cash dividends to net income (ytd only)*	27.2727%	2,909
Condition Ratios (%)
Loss allowance to loans	1.4401%	2,568
Loan loss allowance to noncurrent loans	48.1188%	5,053
Noncurrent assets plus other real estate owned to assets	1.6941%	1,404
Noncurrent loans to loans	2.9929%	664
Net loans and leases to total assets	55.4055%	4,395
Net loans and leases to deposits	79.8028%	2,818
Net loans and leases to core deposits	88.8832%	2,466
Total domestic deposits to total assets	69.4280%	6,058
Equity capital to assets	18.1470%	322
Core capital (leverage) ratio	17.5612%	323
Tier 1 risk-based capital ratio	23.4491%	1,018
Total risk-based capital ratio	24.5107%	1,030
Memoranda:
Average total assets	$61,366,000	5,411
Average earning assets	$58,474,670	5,349
Average equity	$10,897,670	4,581
Average total loans	$33,146,000	5,360
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7412%	4,225
Cost of funding earning assets	0.3789%	3,540
Net interest margin	3.3623%	3,980
Noninterest income to average assets	0.2321%	5,301
Noninterest expense to average assets	2.4503%	4,448
Loan and lease loss provision to assets	0.0774%	2,407
Net operating income to assets	0.7544%	3,510
Return on assets (ROA)	0.7544%	3,649
Pretax return on assets	0.9092%	3,852
Return on Equity (ROE)	4.2938%	4,849
Retained earnings to average equity (ytd only)	4.2938%	3,438
Net charge-offs to loans	-0.6820%	6,285
Credit loss provision to net charge-offs	-21.4286%	4,339
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	71.2946%	3,286
Assets per employee ($millions)	4.4184%	3,172
Cash dividends to net income (ytd only)*	0.0000%	2,870
Condition Ratios (%)
Loss allowance to loans	1.4942%	2,465
Loan loss allowance to noncurrent loans	194.3548%	2,279
Noncurrent assets plus other real estate owned to assets	0.4009%	4,422
Noncurrent loans to loans	0.7688%	3,334
Net loans and leases to total assets	51.3693%	4,712
Net loans and leases to deposits	73.4773%	3,371
Net loans and leases to core deposits	80.9745%	3,060
Total domestic deposits to total assets	69.9117%	6,134
Equity capital to assets	17.8037%	349
Core capital (leverage) ratio	17.1396%	346
Tier 1 risk-based capital ratio	24.6994%	916
Total risk-based capital ratio	25.8161%	915
Memoranda:
Average total assets	$62,033,000	5,451
Average earning assets	$59,126,000	5,384
Average equity	$10,899,500	4,620
Average total loans	$32,845,500	5,408
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8827%	4,194
Cost of funding earning assets	0.3942%	3,748
Net interest margin	3.4884%	3,842
Noninterest income to average assets	0.2511%	5,329
Noninterest expense to average assets	2.2912%	5,135
Loan and lease loss provision to assets	0.1517%	1,732
Net operating income to assets	0.8977%	2,884
Return on assets (ROA)	0.9621%	2,654
Pretax return on assets	1.2231%	2,555
Return on Equity (ROE)	5.6377%	4,342
Retained earnings to average equity (ytd only)	3.9082%	3,431
Net charge-offs to loans	0.0156%	4,564
Credit loss provision to net charge-offs	1,860.0000%	164
Earnings coverage of net charge-offs (x)	158.6000%	345
Efficiency ratio	63.9217%	4,600
Assets per employee ($millions)	4.4434%	3,133
Cash dividends to net income (ytd only)*	30.6780%	3,358
Condition Ratios (%)
Loss allowance to loans	1.2383%	3,778
Loan loss allowance to noncurrent loans	128.9720%	3,142
Noncurrent assets plus other real estate owned to assets	0.5160%	4,077
Noncurrent loans to loans	0.9601%	2,925
Net loans and leases to total assets	53.0784%	4,680
Net loans and leases to deposits	75.7629%	3,224
Net loans and leases to core deposits	83.4234%	2,961
Total domestic deposits to total assets	70.0585%	6,192
Equity capital to assets	17.3386%	385
Core capital (leverage) ratio	17.3644%	335
Tier 1 risk-based capital ratio	25.5012%	798
Total risk-based capital ratio	26.5025%	803
Memoranda:
Average total assets	$61,321,800	5,516
Average earning assets	$58,593,400	5,441
Average equity	$10,465,200	4,663
Average total loans	$32,021,800	5,486
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8894%	4,208
Cost of funding earning assets	0.3867%	3,937
Net interest margin	3.5027%	3,816
Noninterest income to average assets	0.2466%	5,444
Noninterest expense to average assets	2.3022%	5,096
Loan and lease loss provision to assets	0.1768%	1,393
Net operating income to assets	0.8871%	2,974
Return on assets (ROA)	0.9732%	2,647
Pretax return on assets	1.2373%	2,625
Return on Equity (ROE)	5.7260%	4,380
Retained earnings to average equity (ytd only)	4.8016%	3,212
Net charge-offs to loans	0.0084%	4,419
Credit loss provision to net charge-offs	4,050.0000%	95
Earnings coverage of net charge-offs (x)	298.6180%	234
Efficiency ratio	63.8234%	4,579
Assets per employee ($millions)	4.3420%	3,224
Cash dividends to net income (ytd only)*	16.1440%	3,349
Condition Ratios (%)
Loss allowance to loans	1.2399%	4,022
Loan loss allowance to noncurrent loans	146.7391%	2,790
Noncurrent assets plus other real estate owned to assets	0.4540%	4,540
Noncurrent loans to loans	0.8450%	3,460
Net loans and leases to total assets	53.0680%	4,687
Net loans and leases to deposits	79.2390%	2,816
Net loans and leases to core deposits	87.3565%	2,497
Total domestic deposits to total assets	66.9721%	6,379
Equity capital to assets	17.5545%	370
Core capital (leverage) ratio	17.2522%	347
Tier 1 risk-based capital ratio	25.9079%	795
Total risk-based capital ratio	26.9065%	798
Memoranda:
Average total assets	$61,100,250	5,587
Average earning assets	$58,619,500	5,497
Average equity	$10,385,000	4,710
Average total loans	$31,669,000	5,551
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8421%	4,361
Cost of funding earning assets	0.3757%	4,155
Net interest margin	3.4665%	3,913
Noninterest income to average assets	0.2320%	5,536
Noninterest expense to average assets	2.3038%	5,137
Loan and lease loss provision to assets	0.2255%	1,020
Net operating income to assets	0.8107%	3,272
Return on assets (ROA)	0.9346%	2,732
Pretax return on assets	1.1764%	2,774
Return on Equity (ROE)	5.5590%	4,407
Retained earnings to average equity (ytd only)	4.1595%	3,525
Net charge-offs to loans	-0.0128%	5,394
Credit loss provision to net charge-offs	-3,450.0000%	5,881
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	64.9171%	4,552
Assets per employee ($millions)	4.4499%	3,008
Cash dividends to net income (ytd only)*	25.1748%	2,996
Condition Ratios (%)
Loss allowance to loans	1.1907%	4,466
Loan loss allowance to noncurrent loans	214.5946%	1,998
Noncurrent assets plus other real estate owned to assets	0.2970%	5,176
Noncurrent loans to loans	0.5548%	4,352
Net loans and leases to total assets	52.8845%	4,654
Net loans and leases to deposits	78.5083%	2,732
Net loans and leases to core deposits	83.5726%	2,784
Total domestic deposits to total assets	67.3617%	6,443
Equity capital to assets	16.8464%	436
Core capital (leverage) ratio	16.8537%	374
Tier 1 risk-based capital ratio	24.1223%	966
Total risk-based capital ratio	25.0478%	991
Memoranda:
Average total assets	$61,204,330	5,630
Average earning assets	$58,561,000	5,545
Average equity	$10,289,670	4,743
Average total loans	$31,337,330	5,614
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7982%	4,491
Cost of funding earning assets	0.3812%	4,185
Net interest margin	3.4170%	4,041
Noninterest income to average assets	0.2308%	5,506
Noninterest expense to average assets	2.3542%	5,053
Loan and lease loss provision to assets	0.0791%	2,565
Net operating income to assets	0.8585%	2,861
Return on assets (ROA)	0.8639%	2,893
Pretax return on assets	1.0551%	3,109
Return on Equity (ROE)	5.1438%	4,468
Retained earnings to average equity (ytd only)	5.1438%	3,024
Net charge-offs to loans	-0.0132%	5,150
Credit loss provision to net charge-offs	-1,200.0000%	5,372
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.6136%	4,248
Assets per employee ($millions)	4.3574%	3,235
Cash dividends to net income (ytd only)*	0.0000%	2,852
Condition Ratios (%)
Loss allowance to loans	1.1194%	5,030
Loan loss allowance to noncurrent loans	132.4219%	2,929
Noncurrent assets plus other real estate owned to assets	0.4196%	4,879
Noncurrent loans to loans	0.8454%	3,776
Net loans and leases to total assets	49.0853%	4,993
Net loans and leases to deposits	69.6972%	3,642
Net loans and leases to core deposits	73.5634%	3,694
Total domestic deposits to total assets	70.4265%	6,434
Equity capital to assets	16.9464%	401
Core capital (leverage) ratio	16.8901%	376
Tier 1 risk-based capital ratio	26.6989%	730
Total risk-based capital ratio	27.5806%	747
Memoranda:
Average total assets	$60,657,500	5,692
Average earning assets	$57,711,500	5,618
Average equity	$10,187,000	4,780
Average total loans	$30,334,500	5,703
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8640%	4,597
Cost of funding earning assets	0.3879%	4,768
Net interest margin	3.4761%	4,003
Noninterest income to average assets	0.3552%	4,766
Noninterest expense to average assets	2.3691%	5,166
Loan and lease loss provision to assets	0.0845%	3,424
Net operating income to assets	0.9672%	2,482
Return on assets (ROA)	1.0035%	2,376
Pretax return on assets	1.2380%	2,424
Return on Equity (ROE)	5.7223%	4,258
Retained earnings to average equity (ytd only)	3.8443%	3,469
Net charge-offs to loans	0.0232%	4,962
Credit loss provision to net charge-offs	816.6667%	304
Earnings coverage of net charge-offs (x)	123.5000%	382
Efficiency ratio	64.9645%	4,742
Assets per employee ($millions)	4.3079%	3,252
Cash dividends to net income (ytd only)*	32.8179%	3,157
Condition Ratios (%)
Loss allowance to loans	1.0729%	5,265
Loan loss allowance to noncurrent loans	256.6929%	1,695
Noncurrent assets plus other real estate owned to assets	0.2106%	5,656
Noncurrent loans to loans	0.4180%	4,957
Net loans and leases to total assets	49.8417%	5,098
Net loans and leases to deposits	73.4622%	3,333
Net loans and leases to core deposits	77.7126%	3,404
Total domestic deposits to total assets	67.8467%	6,591
Equity capital to assets	16.6404%	432
Core capital (leverage) ratio	17.1310%	360
Tier 1 risk-based capital ratio	26.1266%	764
Total risk-based capital ratio	26.9671%	781
Memoranda:
Average total assets	$57,997,400	5,807
Average earning assets	$54,917,800	5,733
Average equity	$10,170,800	4,805
Average total loans	$25,825,800	5,943
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8919%	4,533
Cost of funding earning assets	0.3921%	4,886
Net interest margin	3.4998%	3,885
Noninterest income to average assets	0.3738%	4,721
Noninterest expense to average assets	2.4056%	5,013
Loan and lease loss provision to assets	0.0348%	4,322
Net operating income to assets	0.9966%	2,388
Return on assets (ROA)	1.0449%	2,282
Pretax return on assets	1.3097%	2,302
Return on Equity (ROE)	5.8797%	4,249
Retained earnings to average equity (ytd only)	4.7951%	3,238
Net charge-offs to loans	-0.0108%	5,907
Credit loss provision to net charge-offs	-750.0000%	6,132
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	65.1982%	4,618
Assets per employee ($millions)	4.1480%	3,533
Cash dividends to net income (ytd only)*	18.4436%	3,147
Condition Ratios (%)
Loss allowance to loans	1.0739%	5,428
Loan loss allowance to noncurrent loans	236.2205%	1,719
Noncurrent assets plus other real estate owned to assets	0.2187%	5,795
Noncurrent loans to loans	0.4546%	5,055
Net loans and leases to total assets	47.5892%	5,394
Net loans and leases to deposits	70.6677%	3,689
Net loans and leases to core deposits	74.9532%	3,740
Total domestic deposits to total assets	67.3423%	6,678
Equity capital to assets	17.2424%	390
Core capital (leverage) ratio	17.2838%	357
Tier 1 risk-based capital ratio	27.8096%	647
Total risk-based capital ratio	28.6347%	661
Memoranda:
Average total assets	$57,419,000	5,889
Average earning assets	$54,402,250	5,816
Average equity	$10,204,500	4,846
Average total loans	$24,685,750	6,056
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9865%	4,161
Cost of funding earning assets	0.3894%	5,037
Net interest margin	3.5971%	3,370
Noninterest income to average assets	0.4196%	4,379
Noninterest expense to average assets	2.4125%	5,016
Loan and lease loss provision to assets	0.0210%	4,478
Net operating income to assets	1.1049%	1,912
Return on assets (ROA)	1.1049%	2,026
Pretax return on assets	1.3776%	2,010
Return on Equity (ROE)	6.1548%	4,073
Retained earnings to average equity (ytd only)	4.7525%	3,225
Net charge-offs to loans	-0.0339%	6,129
Credit loss provision to net charge-offs	-150.0000%	5,667
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	63.3028%	4,960
Assets per employee ($millions)	4.1189%	3,535
Cash dividends to net income (ytd only)*	22.7848%	2,893
Condition Ratios (%)
Loss allowance to loans	1.1590%	5,196
Loan loss allowance to noncurrent loans	261.6071%	1,582
Noncurrent assets plus other real estate owned to assets	0.1942%	5,911
Noncurrent loans to loans	0.4430%	5,156
Net loans and leases to total assets	43.3313%	5,797
Net loans and leases to deposits	62.9285%	4,633
Net loans and leases to core deposits	66.6800%	4,627
Total domestic deposits to total assets	68.8581%	6,698
Equity capital to assets	17.6069%	355
Core capital (leverage) ratio	17.2641%	346
Tier 1 risk-based capital ratio	29.2260%	560
Total risk-based capital ratio	30.0834%	570
Memoranda:
Average total assets	$57,201,330	5,937
Average earning assets	$53,932,670	5,863
Average equity	$10,268,330	4,880
Average total loans	$23,602,330	6,145
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5282%	5,639
Cost of funding earning assets	0.3953%	5,154
Net interest margin	3.1329%	5,149
Noninterest income to average assets	0.3440%	4,938
Noninterest expense to average assets	2.4645%	4,892
Loan and lease loss provision to assets	0.0211%	4,203
Net operating income to assets	0.7583%	3,386
Return on assets (ROA)	0.7583%	3,526
Pretax return on assets	0.8074%	4,144
Return on Equity (ROE)	4.1836%	5,003
Retained earnings to average equity (ytd only)	4.1836%	3,712
Net charge-offs to loans	0.0000%	4,145
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	74.8401%	3,118
Assets per employee ($millions)	4.1145%	3,712
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	1.2493%	4,949
Loan loss allowance to noncurrent loans	62.9956%	4,584
Noncurrent assets plus other real estate owned to assets	0.7882%	4,405
Noncurrent loans to loans	1.9832%	2,637
Net loans and leases to total assets	39.2445%	6,059
Net loans and leases to deposits	54.6950%	5,381
Net loans and leases to core deposits	57.8173%	5,359
Total domestic deposits to total assets	71.7515%	6,671
Equity capital to assets	17.9539%	340
Core capital (leverage) ratio	17.0894%	347
Tier 1 risk-based capital ratio	30.7181%	502
Total risk-based capital ratio	31.6100%	505
Memoranda:
Average total assets	$56,969,500	5,997
Average earning assets	$53,625,000	5,913
Average equity	$10,326,000	4,927
Average total loans	$22,763,500	6,237
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9765%	5,384
Cost of funding earning assets	0.5488%	4,829
Net interest margin	3.4277%	4,788
Noninterest income to average assets	0.3153%	5,199
Noninterest expense to average assets	2.4856%	5,150
Loan and lease loss provision to assets	0.0364%	5,430
Net operating income to assets	0.8501%	3,042
Return on assets (ROA)	0.8711%	3,196
Pretax return on assets	1.0624%	3,306
Return on Equity (ROE)	4.7365%	4,819
Retained earnings to average equity (ytd only)	3.2997%	3,902
Net charge-offs to loans	0.7203%	1,630
Credit loss provision to net charge-offs	10.9890%	5,387
Earnings coverage of net charge-offs (x)	3.2363%	3,809
Efficiency ratio	69.8413%	3,851
Assets per employee ($millions)	4.0240%	3,901
Cash dividends to net income (ytd only)*	30.3347%	3,360
Condition Ratios (%)
Loss allowance to loans	1.2503%	4,870
Loan loss allowance to noncurrent loans	46.0912%	5,315
Noncurrent assets plus other real estate owned to assets	1.0899%	3,840
Noncurrent loans to loans	2.7126%	1,949
Net loans and leases to total assets	39.6762%	6,190
Net loans and leases to deposits	55.9597%	5,451
Net loans and leases to core deposits	59.2687%	5,427
Total domestic deposits to total assets	70.9014%	6,750
Equity capital to assets	18.3009%	307
Core capital (leverage) ratio	17.8805%	288
Tier 1 risk-based capital ratio	31.4160%	453
Total risk-based capital ratio	32.3285%	455
Memoranda:
Average total assets	$54,876,200	6,052
Average earning assets	$51,929,800	5,985
Average equity	$10,091,800	4,966
Average total loans	$25,268,200	6,178
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0122%	5,482
Cost of funding earning assets	0.5823%	4,821
Net interest margin	3.4298%	4,927
Noninterest income to average assets	0.3180%	5,242
Noninterest expense to average assets	2.4924%	5,109
Loan and lease loss provision to assets	0.0342%	5,345
Net operating income to assets	0.8696%	3,131
Return on assets (ROA)	0.8976%	3,223
Pretax return on assets	1.0958%	3,364
Return on Equity (ROE)	4.8750%	4,883
Retained earnings to average equity (ytd only)	3.9186%	4,127
Net charge-offs to loans	0.8948%	1,223
Credit loss provision to net charge-offs	8.0460%	5,098
Earnings coverage of net charge-offs (x)	2.5748%	4,010
Efficiency ratio	69.4615%	3,794
Assets per employee ($millions)	3.7946%	4,313
Cash dividends to net income (ytd only)*	19.6191%	3,058
Condition Ratios (%)
Loss allowance to loans	1.1391%	5,561
Loan loss allowance to noncurrent loans	32.7963%	6,000
Noncurrent assets plus other real estate owned to assets	1.6358%	3,134
Noncurrent loans to loans	3.4734%	1,564
Net loans and leases to total assets	46.5590%	5,705
Net loans and leases to deposits	67.5147%	4,257
Net loans and leases to core deposits	71.8865%	4,268
Total domestic deposits to total assets	68.9613%	6,885
Equity capital to assets	19.3717%	270
Core capital (leverage) ratio	18.2004%	289
Tier 1 risk-based capital ratio	30.2064%	521
Total risk-based capital ratio	31.0934%	534
Memoranda:
Average total assets	$54,511,250	6,137
Average earning assets	$51,973,750	6,054
Average equity	$10,037,250	5,019
Average total loans	$25,926,500	6,220
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9934%	5,658
Cost of funding earning assets	0.6070%	4,840
Net interest margin	3.3864%	5,133
Noninterest income to average assets	0.2983%	5,418
Noninterest expense to average assets	2.4775%	5,218
Loan and lease loss provision to assets	0.0291%	5,306
Net operating income to assets	0.8417%	3,186
Return on assets (ROA)	0.8659%	3,324
Pretax return on assets	1.0478%	3,529
Return on Equity (ROE)	4.7826%	4,917
Retained earnings to average equity (ytd only)	3.3358%	4,383
Net charge-offs to loans	1.2581%	854
Credit loss provision to net charge-offs	4.8485%	4,788
Earnings coverage of net charge-offs (x)	1.7455%	4,110
Efficiency ratio	70.2786%	3,717
Assets per employee ($millions)	3.9128%	4,048
Cash dividends to net income (ytd only)*	30.2521%	2,600
Condition Ratios (%)
Loss allowance to loans	1.0973%	5,782
Loan loss allowance to noncurrent loans	21.6379%	6,467
Noncurrent assets plus other real estate owned to assets	2.4298%	2,300
Noncurrent loans to loans	5.0712%	961
Net loans and leases to total assets	47.3868%	5,674
Net loans and leases to deposits	68.7556%	4,081
Net loans and leases to core deposits	73.8723%	4,052
Total domestic deposits to total assets	68.9206%	6,955
Equity capital to assets	18.4596%	311
Core capital (leverage) ratio	17.4291%	333
Tier 1 risk-based capital ratio	28.7849%	588
Total risk-based capital ratio	29.6507%	603
Memoranda:
Average total assets	$54,973,670	6,166
Average earning assets	$52,386,670	6,081
Average equity	$9,952,670	5,042
Average total loans	$26,229,000	6,247
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9882%	5,800
Cost of funding earning assets	0.6507%	4,732
Net interest margin	3.3375%	5,342
Noninterest income to average assets	0.2978%	5,491
Noninterest expense to average assets	2.5349%	5,041
Loan and lease loss provision to assets	0.0145%	5,136
Net operating income to assets	0.7786%	3,484
Return on assets (ROA)	0.8280%	3,493
Pretax return on assets	0.9733%	3,781
Return on Equity (ROE)	4.6187%	4,976
Retained earnings to average equity (ytd only)	4.6187%	3,802
Net charge-offs to loans	1.2204%	839
Credit loss provision to net charge-offs	2.5000%	3,977
Earnings coverage of net charge-offs (x)	1.6000%	3,524
Efficiency ratio	73.1656%	3,230
Assets per employee ($millions)	3.9913%	4,028
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	1.4175%	4,527
Loan loss allowance to noncurrent loans	36.8000%	5,809
Noncurrent assets plus other real estate owned to assets	1.7896%	3,188
Noncurrent loans to loans	3.8518%	1,606
Net loans and leases to total assets	45.8034%	5,804
Net loans and leases to deposits	64.2162%	4,604
Net loans and leases to core deposits	68.7198%	4,600
Total domestic deposits to total assets	71.3268%	6,915
Equity capital to assets	17.6581%	365
Core capital (leverage) ratio	16.8165%	375
Tier 1 risk-based capital ratio	28.7560%	584
Total risk-based capital ratio	29.8671%	585
Memoranda:
Average total assets	$55,071,000	6,205
Average earning assets	$52,254,000	6,127
Average equity	$9,873,000	5,072
Average total loans	$26,220,500	6,296
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5915%	4,705
Cost of funding earning assets	0.8149%	4,747
Net interest margin	3.7765%	3,941
Noninterest income to average assets	0.3573%	4,954
Noninterest expense to average assets	2.6438%	4,946
Loan and lease loss provision to assets	0.0000%	6,496
Net operating income to assets	0.9999%	2,196
Return on assets (ROA)	1.0119%	2,303
Pretax return on assets	1.2997%	2,134
Return on Equity (ROE)	5.5069%	4,129
Retained earnings to average equity (ytd only)	3.9830%	3,359
Net charge-offs to loans	0.0743%	5,578
Credit loss provision to net charge-offs	0.0000%	6,066
Earnings coverage of net charge-offs (x)	33.2500%	776
Efficiency ratio	67.3058%	4,515
Assets per employee ($millions)	4.1742%	3,502
Cash dividends to net income (ytd only)*	27.6718%	3,215
Condition Ratios (%)
Loss allowance to loans	1.6806%	3,278
Loan loss allowance to noncurrent loans	73.9203%	3,899
Noncurrent assets plus other real estate owned to assets	1.1094%	4,392
Noncurrent loans to loans	2.2735%	2,877
Net loans and leases to total assets	47.9766%	5,822
Net loans and leases to deposits	68.8275%	4,303
Net loans and leases to core deposits	73.9245%	4,252
Total domestic deposits to total assets	69.7055%	7,000
Equity capital to assets	18.2054%	337
Core capital (leverage) ratio	17.8284%	308
Tier 1 risk-based capital ratio	25.2977%	843
Total risk-based capital ratio	26.4941%	826
Memoranda:
Average total assets	$51,781,400	6,308
Average earning assets	$48,960,200	6,226
Average equity	$9,515,400	5,149
Average total loans	$26,916,200	6,303
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6652%	4,611
Cost of funding earning assets	0.8592%	4,709
Net interest margin	3.8060%	3,844
Noninterest income to average assets	0.3440%	5,110
Noninterest expense to average assets	2.6869%	4,780
Loan and lease loss provision to assets	0.0000%	6,393
Net operating income to assets	0.9767%	2,407
Return on assets (ROA)	0.9929%	2,502
Pretax return on assets	1.2796%	2,364
Return on Equity (ROE)	5.3901%	4,342
Retained earnings to average equity (ytd only)	4.3715%	3,620
Net charge-offs to loans	0.0987%	4,999
Credit loss provision to net charge-offs	0.0000%	5,735
Earnings coverage of net charge-offs (x)	24.1462%	1,088
Efficiency ratio	68.0978%	4,294
Assets per employee ($millions)	3.6784%	4,580
Cash dividends to net income (ytd only)*	18.8980%	2,979
Condition Ratios (%)
Loss allowance to loans	1.6324%	3,516
Loan loss allowance to noncurrent loans	69.9686%	3,972
Noncurrent assets plus other real estate owned to assets	1.2350%	4,326
Noncurrent loans to loans	2.3331%	2,969
Net loans and leases to total assets	52.0710%	5,438
Net loans and leases to deposits	76.3851%	3,266
Net loans and leases to core deposits	82.5026%	3,255
Total domestic deposits to total assets	68.1690%	7,134
Equity capital to assets	19.0283%	317
Core capital (leverage) ratio	17.9745%	323
Tier 1 risk-based capital ratio	28.1075%	646
Total risk-based capital ratio	29.3595%	635
Memoranda:
Average total assets	$51,160,750	6,384
Average earning assets	$48,413,500	6,299
Average equity	$9,424,500	5,199
Average total loans	$27,025,500	6,350
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6392%	4,797
Cost of funding earning assets	0.8882%	4,772
Net interest margin	3.7510%	4,026
Noninterest income to average assets	0.3291%	5,258
Noninterest expense to average assets	2.6876%	4,866
Loan and lease loss provision to assets	0.0000%	6,217
Net operating income to assets	0.9372%	2,489
Return on assets (ROA)	0.9403%	2,576
Pretax return on assets	1.2028%	2,469
Return on Equity (ROE)	5.1615%	4,378
Retained earnings to average equity (ytd only)	3.6130%	3,935
Net charge-offs to loans	-0.0371%	6,974
Credit loss provision to net charge-offs	0.0000%	5,336
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.1532%	4,298
Assets per employee ($millions)	3.6896%	4,477
Cash dividends to net income (ytd only)*	30.0000%	2,479
Condition Ratios (%)
Loss allowance to loans	1.7118%	3,289
Loan loss allowance to noncurrent loans	76.4228%	3,682
Noncurrent assets plus other real estate owned to assets	1.1906%	4,511
Noncurrent loans to loans	2.2399%	3,173
Net loans and leases to total assets	52.2447%	5,536
Net loans and leases to deposits	75.7743%	3,520
Net loans and leases to core deposits	81.7367%	3,549
Total domestic deposits to total assets	68.9478%	7,157
Equity capital to assets	18.3912%	353
Core capital (leverage) ratio	17.9145%	336
Tier 1 risk-based capital ratio	27.6715%	684
Total risk-based capital ratio	28.9230%	667
Memoranda:
Average total assets	$51,048,670	6,449
Average earning assets	$48,413,670	6,357
Average equity	$9,299,670	5,238
Average total loans	$26,947,330	6,417
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6534%	4,731
Cost of funding earning assets	0.9475%	4,587
Net interest margin	3.7060%	4,069
Noninterest income to average assets	0.3074%	5,468
Noninterest expense to average assets	2.7510%	4,640
Loan and lease loss provision to assets	0.0000%	5,840
Net operating income to assets	0.8355%	2,853
Return on assets (ROA)	0.8355%	2,913
Pretax return on assets	1.0405%	2,986
Return on Equity (ROE)	4.6089%	4,595
Retained earnings to average equity (ytd only)	4.6089%	3,422
Net charge-offs to loans	-0.0450%	6,844
Credit loss provision to net charge-offs	0.0000%	4,480
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.5572%	3,761
Assets per employee ($millions)	3.6958%	4,550
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	1.7478%	3,181
Loan loss allowance to noncurrent loans	89.4837%	3,188
Noncurrent assets plus other real estate owned to assets	1.0108%	4,882
Noncurrent loans to loans	1.9532%	3,637
Net loans and leases to total assets	50.8475%	5,733
Net loans and leases to deposits	73.7649%	3,794
Net loans and leases to core deposits	79.3037%	3,847
Total domestic deposits to total assets	68.9318%	7,233
Equity capital to assets	17.9645%	370
Core capital (leverage) ratio	17.6739%	349
Tier 1 risk-based capital ratio	28.1324%	623
Total risk-based capital ratio	29.3857%	612
Memoranda:
Average total assets	$50,745,500	6,509
Average earning assets	$47,707,000	6,423
Average equity	$9,199,500	5,263
Average total loans	$26,692,500	6,489
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8589%	5,202
Cost of funding earning assets	1.0844%	5,224
Net interest margin	3.7745%	4,057
Noninterest income to average assets	0.3367%	5,377
Noninterest expense to average assets	2.6528%	5,202
Loan and lease loss provision to assets	0.0529%	6,626
Net operating income to assets	0.8898%	2,429
Return on assets (ROA)	0.8927%	2,552
Pretax return on assets	1.1786%	2,294
Return on Equity (ROE)	4.9920%	4,070
Retained earnings to average equity (ytd only)	3.3718%	3,508
Net charge-offs to loans	0.0447%	6,359
Credit loss provision to net charge-offs	225.0000%	1,324
Earnings coverage of net charge-offs (x)	52.2500%	448
Efficiency ratio	68.3653%	4,488
Assets per employee ($millions)	3.5536%	4,817
Cash dividends to net income (ytd only)*	32.4561%	2,932
Condition Ratios (%)
Loss allowance to loans	1.7476%	3,042
Loan loss allowance to noncurrent loans	101.9737%	2,847
Noncurrent assets plus other real estate owned to assets	0.9568%	5,100
Noncurrent loans to loans	1.7138%	3,933
Net loans and leases to total assets	52.5487%	5,845
Net loans and leases to deposits	77.1362%	3,650
Net loans and leases to core deposits	81.1768%	4,027
Total domestic deposits to total assets	68.1246%	7,318
Equity capital to assets	18.2995%	354
Core capital (leverage) ratio	17.8145%	340
Tier 1 risk-based capital ratio	28.0853%	600
Total risk-based capital ratio	29.3388%	584
Memoranda:
Average total assets	$51,078,200	6,494
Average earning assets	$47,952,800	6,433
Average equity	$9,134,600	5,381
Average total loans	$26,850,000	6,563
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8370%	5,521
Cost of funding earning assets	1.1080%	5,379
Net interest margin	3.7291%	4,273
Noninterest income to average assets	0.3527%	5,347
Noninterest expense to average assets	2.6531%	5,099
Loan and lease loss provision to assets	0.0700%	6,363
Net operating income to assets	0.8571%	2,788
Return on assets (ROA)	0.8610%	2,908
Pretax return on assets	1.1437%	2,684
Return on Equity (ROE)	4.8419%	4,374
Retained earnings to average equity (ytd only)	3.7918%	3,794
Net charge-offs to loans	0.0545%	5,977
Credit loss provision to net charge-offs	245.4545%	1,363
Earnings coverage of net charge-offs (x)	42.3531%	655
Efficiency ratio	68.7038%	4,333
Assets per employee ($millions)	3.5909%	4,756
Cash dividends to net income (ytd only)*	21.6871%	2,900
Condition Ratios (%)
Loss allowance to loans	1.7139%	3,110
Loan loss allowance to noncurrent loans	90.4854%	3,030
Noncurrent assets plus other real estate owned to assets	1.0642%	4,985
Noncurrent loans to loans	1.8941%	3,809
Net loans and leases to total assets	53.1578%	5,963
Net loans and leases to deposits	78.8040%	3,669
Net loans and leases to core deposits	82.9191%	4,098
Total domestic deposits to total assets	67.4557%	7,407
Equity capital to assets	18.6323%	370
Core capital (leverage) ratio	17.5770%	380
Tier 1 risk-based capital ratio	27.5885%	653
Total risk-based capital ratio	28.8417%	644
Memoranda:
Average total assets	$51,410,250	6,560
Average earning assets	$48,375,500	6,493
Average equity	$9,142,250	5,455
Average total loans	$26,910,500	6,647
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8214%	5,718
Cost of funding earning assets	1.1272%	5,539
Net interest margin	3.6942%	4,390
Noninterest income to average assets	0.3360%	5,464
Noninterest expense to average assets	2.6415%	5,161
Loan and lease loss provision to assets	0.0695%	6,256
Net operating income to assets	0.8245%	2,850
Return on assets (ROA)	0.8303%	2,974
Pretax return on assets	1.1006%	2,783
Return on Equity (ROE)	4.7423%	4,415
Retained earnings to average equity (ytd only)	3.1542%	4,105
Net charge-offs to loans	0.0970%	5,174
Credit loss provision to net charge-offs	138.4615%	2,898
Earnings coverage of net charge-offs (x)	23.1538%	1,112
Efficiency ratio	69.4416%	4,290
Assets per employee ($millions)	3.7146%	4,425
Cash dividends to net income (ytd only)*	33.4884%	2,378
Condition Ratios (%)
Loss allowance to loans	1.6691%	3,190
Loan loss allowance to noncurrent loans	83.3333%	3,268
Noncurrent assets plus other real estate owned to assets	1.0884%	4,956
Noncurrent loans to loans	2.0029%	3,712
Net loans and leases to total assets	51.5460%	6,260
Net loans and leases to deposits	74.6332%	4,581
Net loans and leases to core deposits	78.9782%	4,806
Total domestic deposits to total assets	69.0658%	7,387
Equity capital to assets	17.6217%	455
Core capital (leverage) ratio	16.8896%	454
Tier 1 risk-based capital ratio	23.7923%	962
Total risk-based capital ratio	25.0134%	951
Memoranda:
Average total assets	$51,789,330	6,592
Average earning assets	$48,616,670	6,521
Average equity	$9,067,330	5,483
Average total loans	$26,817,330	6,704
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8345%	5,751
Cost of funding earning assets	1.1940%	5,440
Net interest margin	3.6405%	4,538
Noninterest income to average assets	0.3483%	5,354
Noninterest expense to average assets	2.7011%	4,904
Loan and lease loss provision to assets	0.0697%	5,940
Net operating income to assets	0.7430%	3,245
Return on assets (ROA)	0.7430%	3,352
Pretax return on assets	0.9520%	3,258
Return on Equity (ROE)	4.2577%	4,782
Retained earnings to average equity (ytd only)	4.2577%	3,600
Net charge-offs to loans	-0.0150%	6,998
Credit loss provision to net charge-offs	-900.0000%	6,369
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.5572%	3,831
Assets per employee ($millions)	3.7601%	4,401
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	1.7308%	2,958
Loan loss allowance to noncurrent loans	82.1429%	3,330
Noncurrent assets plus other real estate owned to assets	1.0638%	5,019
Noncurrent loans to loans	2.1071%	3,647
Net loans and leases to total assets	49.6134%	6,508
Net loans and leases to deposits	68.7308%	5,506
Net loans and leases to core deposits	73.0382%	5,604
Total domestic deposits to total assets	72.1852%	7,247
Equity capital to assets	17.2261%	505
Core capital (leverage) ratio	16.8363%	469
Tier 1 risk-based capital ratio	27.6210%	664
Total risk-based capital ratio	28.8739%	654
Memoranda:
Average total assets	$51,682,000	6,674
Average earning assets	$47,906,000	6,630
Average equity	$9,019,000	5,542
Average total loans	$26,595,500	6,801
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2800%	5,285
Cost of funding earning assets	1.3990%	5,937
Net interest margin	3.8810%	3,348
Noninterest income to average assets	0.3218%	5,789
Noninterest expense to average assets	2.6835%	5,467
Loan and lease loss provision to assets	0.0495%	7,066
Net operating income to assets	0.9158%	2,126
Return on assets (ROA)	0.9550%	2,049
Pretax return on assets	1.2623%	1,800
Return on Equity (ROE)	5.2488%	3,562
Retained earnings to average equity (ytd only)	3.6050%	2,661
Net charge-offs to loans	0.0187%	6,960
Credit loss provision to net charge-offs	480.0000%	634
Earnings coverage of net charge-offs (x)	122.2000%	237
Efficiency ratio	68.0439%	4,995
Assets per employee ($millions)	3.6231%	4,720
Cash dividends to net income (ytd only)*	31.3175%	3,272
Condition Ratios (%)
Loss allowance to loans	1.6908%	2,921
Loan loss allowance to noncurrent loans	79.2254%	3,476
Noncurrent assets plus other real estate owned to assets	1.1435%	4,805
Noncurrent loans to loans	2.1342%	3,476
Net loans and leases to total assets	51.5821%	6,471
Net loans and leases to deposits	72.0632%	5,315
Net loans and leases to core deposits	92.1462%	4,869
Total domestic deposits to total assets	71.5790%	7,281
Equity capital to assets	17.6843%	477
Core capital (leverage) ratio	17.4005%	443
Tier 1 risk-based capital ratio	24.1975%	931
Total risk-based capital ratio	25.4460%	907
Memoranda:
Average total assets	$48,482,200	6,769
Average earning assets	$45,245,800	6,714
Average equity	$8,821,000	5,661
Average total loans	$26,686,200	6,822
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3105%	5,369
Cost of funding earning assets	1.4187%	6,154
Net interest margin	3.8918%	3,259
Noninterest income to average assets	0.3116%	5,991
Noninterest expense to average assets	2.7238%	5,224
Loan and lease loss provision to assets	0.0501%	6,870
Net operating income to assets	0.9078%	2,397
Return on assets (ROA)	0.9543%	2,279
Pretax return on assets	1.2548%	2,092
Return on Equity (ROE)	5.2064%	3,874
Retained earnings to average equity (ytd only)	4.1135%	2,980
Net charge-offs to loans	-0.0050%	7,630
Credit loss provision to net charge-offs	-1,800.0000%	7,361
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	68.6536%	4,852
Assets per employee ($millions)	3.5078%	4,906
Cash dividends to net income (ytd only)*	20.9919%	3,207
Condition Ratios (%)
Loss allowance to loans	1.5809%	3,072
Loan loss allowance to noncurrent loans	80.6452%	3,391
Noncurrent assets plus other real estate owned to assets	1.1607%	4,758
Noncurrent loans to loans	1.9604%	3,689
Net loans and leases to total assets	57.0445%	6,026
Net loans and leases to deposits	80.3937%	4,322
Net loans and leases to core deposits	101.7544%	4,180
Total domestic deposits to total assets	70.9564%	7,334
Equity capital to assets	18.2411%	490
Core capital (leverage) ratio	17.7132%	478
Tier 1 risk-based capital ratio	23.7657%	1,024
Total risk-based capital ratio	24.9986%	1,002
Memoranda:
Average total assets	$47,922,000	6,839
Average earning assets	$45,016,750	6,778
Average equity	$8,783,750	5,725
Average total loans	$26,704,250	6,873
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2806%	5,745
Cost of funding earning assets	1.4275%	6,388
Net interest margin	3.8530%	3,329
Noninterest income to average assets	0.2988%	6,125
Noninterest expense to average assets	2.7143%	5,330
Loan and lease loss provision to assets	0.0505%	6,724
Net operating income to assets	0.8862%	2,511
Return on assets (ROA)	0.9511%	2,368
Pretax return on assets	1.2414%	2,187
Return on Equity (ROE)	5.1801%	4,001
Retained earnings to average equity (ytd only)	3.5298%	3,341
Net charge-offs to loans	0.0000%	6,628
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.2060%	4,944
Assets per employee ($millions)	3.4126%	5,038
Cash dividends to net income (ytd only)*	31.8584%	2,770
Condition Ratios (%)
Loss allowance to loans	1.5969%	2,759
Loan loss allowance to noncurrent loans	86.5234%	3,279
Noncurrent assets plus other real estate owned to assets	1.0716%	4,821
Noncurrent loans to loans	1.8456%	3,742
Net loans and leases to total assets	57.1363%	6,073
Net loans and leases to deposits	83.2180%	4,013
Net loans and leases to core deposits	103.6135%	4,105
Total domestic deposits to total assets	68.6586%	7,576
Equity capital to assets	18.3059%	523
Core capital (leverage) ratio	17.7871%	532
Tier 1 risk-based capital ratio	23.9096%	1,046
Total risk-based capital ratio	25.1474%	1,025
Memoranda:
Average total assets	$47,526,330	6,922
Average earning assets	$44,692,000	6,849
Average equity	$8,725,670	5,770
Average total loans	$26,117,670	6,958
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3689%	5,579
Cost of funding earning assets	1.4833%	6,456
Net interest margin	3.8856%	3,106
Noninterest income to average assets	0.2954%	6,072
Noninterest expense to average assets	2.7679%	4,707
Loan and lease loss provision to assets	0.0506%	6,336
Net operating income to assets	0.8334%	2,979
Return on assets (ROA)	0.9114%	2,799
Pretax return on assets	1.1814%	2,682
Return on Equity (ROE)	4.9567%	4,487
Retained earnings to average equity (ytd only)	4.9567%	3,154
Net charge-offs to loans	0.0000%	5,728
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.9957%	4,374
Assets per employee ($millions)	3.3472%	5,207
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	1.7288%	2,044
Loan loss allowance to noncurrent loans	87.4000%	3,421
Noncurrent assets plus other real estate owned to assets	1.0670%	4,556
Noncurrent loans to loans	1.9780%	3,292
Net loans and leases to total assets	53.0100%	6,578
Net loans and leases to deposits	76.8120%	5,111
Net loans and leases to core deposits	95.8742%	4,981
Total domestic deposits to total assets	69.0126%	7,512
Equity capital to assets	18.7235%	518
Core capital (leverage) ratio	17.7809%	581
Tier 1 risk-based capital ratio	25.0184%	980
Total risk-based capital ratio	26.2677%	956
Memoranda:
Average total assets	$47,401,000	6,965
Average earning assets	$43,957,000	6,934
Average equity	$8,715,500	5,804
Average total loans	$25,306,000	7,044
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1193%	4,943
Cost of funding earning assets	1.9656%	6,519
Net interest margin	4.1537%	2,486
Noninterest income to average assets	0.3979%	5,487
Noninterest expense to average assets	2.7082%	5,233
Loan and lease loss provision to assets	0.1356%	5,623
Net operating income to assets	1.0580%	2,322
Return on assets (ROA)	1.0580%	2,220
Pretax return on assets	1.3948%	1,987
Return on Equity (ROE)	5.6026%	4,116
Retained earnings to average equity (ytd only)	3.8668%	2,722
Net charge-offs to loans	0.0826%	5,585
Credit loss provision to net charge-offs	300.0000%	1,503
Earnings coverage of net charge-offs (x)	33.8500%	1,072
Efficiency ratio	63.8933%	5,582
Assets per employee ($millions)	3.4244%	4,868
Cash dividends to net income (ytd only)*	30.9829%	4,080
Condition Ratios (%)
Loss allowance to loans	1.6973%	1,919
Loan loss allowance to noncurrent loans	70.3764%	4,533
Noncurrent assets plus other real estate owned to assets	1.2745%	3,673
Noncurrent loans to loans	2.4118%	2,271
Net loans and leases to total assets	51.9472%	6,852
Net loans and leases to deposits	74.0860%	5,836
Net loans and leases to core deposits	91.7410%	5,663
Total domestic deposits to total assets	70.1174%	7,262
Equity capital to assets	18.0576%	644
Core capital (leverage) ratio	18.2493%	580
Tier 1 risk-based capital ratio	24.7293%	1,009
Total risk-based capital ratio	25.9946%	985
Memoranda:
Average total assets	$44,236,400	7,017
Average earning assets	$40,903,400	7,000
Average equity	$8,353,200	5,963
Average total loans	$24,210,200	7,068