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Community National Bank in Monmouth, 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	4.1446%	3,729
Cost of funding earning assets	1.1719%	2,881
Net interest margin	2.9727%	3,351
Noninterest income to average assets	0.5900%	1,571
Noninterest expense to average assets	2.4127%	2,551
Loan and lease loss provision to assets	0.0800%	1,564
Net operating income to assets	0.7196%	3,134
Return on assets (ROA)	0.7056%	3,155
Pretax return on assets	0.9573%	2,789
Return on Equity (ROE)	7.6200%	3,120
Retained earnings to average equity (ytd only)	4.1759%	2,897
Net charge-offs to loans	0.0000%	2,917
Credit loss provision to net charge-offs	0.0000%	2,397
Earnings coverage of net charge-offs (x)	0.0000%	2,831
Efficiency ratio	69.5808%	1,934
Assets per employee ($millions)	5.1304%	3,540
Cash dividends to net income (ytd only)*	45.2261%	1,841
Condition Ratios (%)
Loss allowance to loans	1.7886%	549
Loan loss allowance to noncurrent loans	90.8289%	3,298
Noncurrent assets plus other real estate owned to assets	1.2670%	334
Noncurrent loans to loans	1.9692%	293
Net loans and leases to total assets	50.1100%	3,587
Net loans and leases to deposits	55.8531%	3,717
Net loans and leases to core deposits	64.5286%	3,564
Total domestic deposits to total assets	89.7200%	837
Equity capital to assets	9.7796%	2,137
Core capital (leverage) ratio	11.1700%	1,847
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,896
Memoranda:
Average total assets	$56,409,200	4,253
Average earning assets	$54,529,000	4,204
Average equity	$5,220,400	4,241
Average total loans	$31,098,800	4,126
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0229%	3,811
Cost of funding earning assets	1.1072%	2,720
Net interest margin	2.9158%	3,509
Noninterest income to average assets	0.6100%	1,484
Noninterest expense to average assets	2.3828%	2,571
Loan and lease loss provision to assets	0.0900%	1,295
Net operating income to assets	0.7089%	3,297
Return on assets (ROA)	0.6903%	3,328
Pretax return on assets	0.9266%	3,041
Return on Equity (ROE)	7.5700%	3,299
Retained earnings to average equity (ytd only)	7.5659%	2,115
Net charge-offs to loans	0.0000%	2,666
Credit loss provision to net charge-offs	0.0000%	2,098
Earnings coverage of net charge-offs (x)	0.0000%	2,572
Efficiency ratio	69.5652%	1,837
Assets per employee ($millions)	5.1837%	3,445
Cash dividends to net income (ytd only)*	0.0000%	3,002
Condition Ratios (%)
Loss allowance to loans	1.5472%	996
Loan loss allowance to noncurrent loans	87.7797%	3,323
Noncurrent assets plus other real estate owned to assets	1.0189%	502
Noncurrent loans to loans	1.7626%	377
Net loans and leases to total assets	56.9100%	3,124
Net loans and leases to deposits	62.9928%	3,330
Net loans and leases to core deposits	72.5622%	3,075
Total domestic deposits to total assets	90.3500%	850
Equity capital to assets	9.2913%	2,231
Core capital (leverage) ratio	11.1154%	1,915
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,911
Memoranda:
Average total assets	$56,403,000	4,266
Average earning assets	$54,552,750	4,221
Average equity	$5,145,750	4,261
Average total loans	$31,675,000	4,136
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8765%	3,911
Cost of funding earning assets	1.0592%	2,420
Net interest margin	2.8172%	3,794
Noninterest income to average assets	0.6200%	1,378
Noninterest expense to average assets	2.3809%	2,553
Loan and lease loss provision to assets	0.0700%	1,542
Net operating income to assets	0.6687%	3,411
Return on assets (ROA)	0.6406%	3,496
Pretax return on assets	0.8577%	3,269
Return on Equity (ROE)	7.0700%	3,468
Retained earnings to average equity (ytd only)	7.0658%	2,261
Net charge-offs to loans	0.0000%	2,455
Credit loss provision to net charge-offs	0.0000%	1,862
Earnings coverage of net charge-offs (x)	0.0000%	2,403
Efficiency ratio	71.2460%	1,639
Assets per employee ($millions)	5.1067%	3,500
Cash dividends to net income (ytd only)*	0.0000%	2,909
Condition Ratios (%)
Loss allowance to loans	1.5679%	1,000
Loan loss allowance to noncurrent loans	276.8362%	2,241
Noncurrent assets plus other real estate owned to assets	0.3151%	1,658
Noncurrent loans to loans	0.5664%	1,323
Net loans and leases to total assets	54.7600%	3,210
Net loans and leases to deposits	60.6463%	3,382
Net loans and leases to core deposits	69.9973%	3,133
Total domestic deposits to total assets	90.2900%	846
Equity capital to assets	9.2801%	2,329
Core capital (leverage) ratio	11.0314%	1,899
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,936
Memoranda:
Average total assets	$56,197,000	4,290
Average earning assets	$54,379,333	4,243
Average equity	$5,095,000	4,286
Average total loans	$31,246,000	4,152
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6820%	4,055
Cost of funding earning assets	0.9628%	2,175
Net interest margin	2.7192%	4,045
Noninterest income to average assets	0.5800%	1,496
Noninterest expense to average assets	2.4124%	2,495
Loan and lease loss provision to assets	0.0600%	1,589
Net operating income to assets	0.5124%	3,868
Return on assets (ROA)	0.5124%	3,831
Pretax return on assets	0.7472%	3,567
Return on Equity (ROE)	5.7200%	3,771
Retained earnings to average equity (ytd only)	5.7188%	2,841
Net charge-offs to loans	0.0000%	2,062
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	75.0000%	1,245
Assets per employee ($millions)	5.1701%	3,518
Cash dividends to net income (ytd only)*	0.0000%	2,306
Condition Ratios (%)
Loss allowance to loans	1.5209%	1,196
Loan loss allowance to noncurrent loans	454.2857%	1,738
Noncurrent assets plus other real estate owned to assets	0.1846%	2,227
Noncurrent loans to loans	0.3348%	1,955
Net loans and leases to total assets	54.3100%	3,176
Net loans and leases to deposits	60.1304%	3,327
Net loans and leases to core deposits	70.2785%	2,937
Total domestic deposits to total assets	90.3200%	1,040
Equity capital to assets	9.0503%	2,478
Core capital (leverage) ratio	10.8673%	1,934
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,020
Memoranda:
Average total assets	$56,208,500	4,350
Average earning assets	$54,427,000	4,299
Average equity	$5,036,000	4,350
Average total loans	$31,243,500	4,208
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1393%	3,926
Cost of funding earning assets	0.2753%	3,094
Net interest margin	2.8640%	3,761
Noninterest income to average assets	0.6800%	1,362
Noninterest expense to average assets	2.3603%	2,541
Loan and lease loss provision to assets	0.0600%	1,752
Net operating income to assets	0.7346%	3,522
Return on assets (ROA)	0.7346%	3,463
Pretax return on assets	1.0151%	3,033
Return on Equity (ROE)	7.0500%	3,629
Retained earnings to average equity (ytd only)	3.7551%	3,477
Net charge-offs to loans	-0.0035%	3,551
Credit loss provision to net charge-offs	0.0000%	1,979
Earnings coverage of net charge-offs (x)	0.0000%	2,564
Efficiency ratio	68.6459%	1,883
Assets per employee ($millions)	5.0496%	3,638
Cash dividends to net income (ytd only)*	46.7532%	1,551
Condition Ratios (%)
Loss allowance to loans	1.4940%	1,223
Loan loss allowance to noncurrent loans	438.6792%	1,747
Noncurrent assets plus other real estate owned to assets	0.1908%	2,222
Noncurrent loans to loans	0.3406%	1,930
Net loans and leases to total assets	55.2000%	3,104
Net loans and leases to deposits	63.3817%	3,093
Net loans and leases to core deposits	68.9819%	2,946
Total domestic deposits to total assets	87.0800%	2,369
Equity capital to assets	8.8665%	2,446
Core capital (leverage) ratio	11.3822%	1,578
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,055
Memoranda:
Average total assets	$52,408,200	4,417
Average earning assets	$50,489,200	4,366
Average equity	$5,459,200	4,388
Average total loans	$28,545,000	4,262
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0649%	3,755
Cost of funding earning assets	0.2145%	3,096
Net interest margin	2.8504%	3,620
Noninterest income to average assets	0.6800%	1,395
Noninterest expense to average assets	2.3839%	2,388
Loan and lease loss provision to assets	0.0700%	1,430
Net operating income to assets	0.7128%	3,531
Return on assets (ROA)	0.7128%	3,482
Pretax return on assets	0.9763%	3,088
Return on Equity (ROE)	6.5800%	3,680
Retained earnings to average equity (ytd only)	6.5798%	2,528
Net charge-offs to loans	-0.0048%	3,473
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	0.0000%	2,297
Efficiency ratio	69.5554%	1,815
Assets per employee ($millions)	4.8852%	3,777
Cash dividends to net income (ytd only)*	0.0000%	3,071
Condition Ratios (%)
Loss allowance to loans	1.4725%	1,378
Loan loss allowance to noncurrent loans	2,688.2353%	450
Noncurrent assets plus other real estate owned to assets	0.0316%	3,606
Noncurrent loans to loans	0.0548%	3,487
Net loans and leases to total assets	56.9000%	2,812
Net loans and leases to deposits	66.1096%	2,711
Net loans and leases to core deposits	70.0903%	2,635
Total domestic deposits to total assets	86.0800%	3,053
Equity capital to assets	9.3009%	2,014
Core capital (leverage) ratio	11.6558%	1,378
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,120
Memoranda:
Average total assets	$51,623,750	4,455
Average earning assets	$49,722,250	4,409
Average equity	$5,592,750	4,406
Average total loans	$27,900,250	4,303
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9387%	3,701
Cost of funding earning assets	0.1962%	2,968
Net interest margin	2.7425%	3,596
Noninterest income to average assets	0.7031%	1,328
Noninterest expense to average assets	2.3724%	2,330
Loan and lease loss provision to assets	0.0707%	1,352
Net operating income to assets	0.6599%	3,442
Return on assets (ROA)	0.6599%	3,390
Pretax return on assets	0.8955%	3,081
Return on Equity (ROE)	5.8021%	3,627
Retained earnings to average equity (ytd only)	5.8021%	2,400
Net charge-offs to loans	-0.0074%	3,471
Credit loss provision to net charge-offs	-1,800.0000%	3,656
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	71.0588%	1,821
Assets per employee ($millions)	4.7148%	3,922
Cash dividends to net income (ytd only)*	0.0000%	2,927
Condition Ratios (%)
Loss allowance to loans	1.5870%	1,178
Loan loss allowance to noncurrent loans	2,500.0000%	451
Noncurrent assets plus other real estate owned to assets	0.0347%	3,636
Noncurrent loans to loans	0.0635%	3,482
Net loans and leases to total assets	53.8052%	2,982
Net loans and leases to deposits	60.4292%	3,024
Net loans and leases to core deposits	61.3971%	3,166
Total domestic deposits to total assets	89.0384%	2,170
Equity capital to assets	10.0573%	1,686
Core capital (leverage) ratio	11.6139%	1,301
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$50,919,333	4,504
Average earning assets	$48,934,000	4,471
Average equity	$5,791,000	4,437
Average total loans	$26,855,000	4,374
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.8649%	3,619
Cost of funding earning assets	0.1976%	2,836
Net interest margin	2.6673%	3,486
Noninterest income to average assets	0.7057%	1,299
Noninterest expense to average assets	2.3391%	2,375
Loan and lease loss provision to assets	0.0872%	950
Net operating income to assets	0.6581%	3,201
Return on assets (ROA)	0.6581%	3,177
Pretax return on assets	0.8484%	2,950
Return on Equity (ROE)	5.4619%	3,495
Retained earnings to average equity (ytd only)	5.4619%	2,427
Net charge-offs to loans	-0.0153%	3,776
Credit loss provision to net charge-offs	-1,100.0000%	3,280
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	71.4286%	2,054
Assets per employee ($millions)	4.9664%	3,780
Cash dividends to net income (ytd only)*	0.0000%	2,254
Condition Ratios (%)
Loss allowance to loans	1.6962%	1,061
Loan loss allowance to noncurrent loans	2,455.5556%	468
Noncurrent assets plus other real estate owned to assets	0.0362%	3,677
Noncurrent loans to loans	0.0691%	3,506
Net loans and leases to total assets	51.5806%	3,020
Net loans and leases to deposits	59.2780%	2,971
Net loans and leases to core deposits	60.2923%	3,115
Total domestic deposits to total assets	87.0147%	2,922
Equity capital to assets	11.8174%	1,015
Core capital (leverage) ratio	12.7491%	829
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$50,447,500	4,532
Average earning assets	$48,588,000	4,497
Average equity	$6,078,500	4,456
Average total loans	$26,105,000	4,409
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9488%	3,968
Cost of funding earning assets	0.2331%	3,100
Net interest margin	2.7157%	3,844
Noninterest income to average assets	1.0047%	996
Noninterest expense to average assets	2.3644%	2,605
Loan and lease loss provision to assets	0.1009%	1,242
Net operating income to assets	0.8877%	3,087
Return on assets (ROA)	0.8877%	3,149
Pretax return on assets	1.1479%	2,825
Return on Equity (ROE)	6.9433%	3,531
Retained earnings to average equity (ytd only)	4.1029%	3,184
Net charge-offs to loans	-0.0459%	4,288
Credit loss provision to net charge-offs	-416.6667%	3,712
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	65.4383%	2,347
Assets per employee ($millions)	4.6574%	3,995
Cash dividends to net income (ytd only)*	40.9091%	1,991
Condition Ratios (%)
Loss allowance to loans	1.6481%	1,158
Loan loss allowance to noncurrent loans	1,051.2195%	848
Noncurrent assets plus other real estate owned to assets	0.0800%	3,382
Noncurrent loans to loans	0.1568%	3,148
Net loans and leases to total assets	50.2040%	3,250
Net loans and leases to deposits	57.9045%	3,267
Net loans and leases to core deposits	58.8680%	3,401
Total domestic deposits to total assets	86.7014%	2,621
Equity capital to assets	12.2738%	1,146
Core capital (leverage) ratio	12.7846%	853
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$49,568,200	4,568
Average earning assets	$47,612,200	4,538
Average equity	$6,337,000	4,494
Average total loans	$26,149,800	4,454
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9893%	4,020
Cost of funding earning assets	0.2460%	3,152
Net interest margin	2.7432%	3,893
Noninterest income to average assets	1.0498%	989
Noninterest expense to average assets	2.3084%	2,725
Loan and lease loss provision to assets	0.1038%	1,163
Net operating income to assets	1.0064%	2,884
Return on assets (ROA)	1.0064%	2,948
Pretax return on assets	1.2695%	2,705
Return on Equity (ROE)	7.7908%	3,464
Retained earnings to average equity (ytd only)	7.7908%	2,121
Net charge-offs to loans	0.0918%	786
Credit loss provision to net charge-offs	211.1111%	1,178
Earnings coverage of net charge-offs (x)	28.1111%	1,558
Efficiency ratio	62.7119%	2,578
Assets per employee ($millions)	4.9543%	3,742
Cash dividends to net income (ytd only)*	0.0000%	3,236
Condition Ratios (%)
Loss allowance to loans	1.4737%	1,731
Loan loss allowance to noncurrent loans	2,288.2353%	416
Noncurrent assets plus other real estate owned to assets	0.0343%	3,929
Noncurrent loans to loans	0.0644%	3,773
Net loans and leases to total assets	52.4938%	3,143
Net loans and leases to deposits	61.2203%	3,121
Net loans and leases to core deposits	62.2833%	3,289
Total domestic deposits to total assets	85.7457%	2,848
Equity capital to assets	13.1159%	950
Core capital (leverage) ratio	12.6868%	928
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$49,152,500	4,631
Average earning assets	$47,145,250	4,602
Average equity	$6,349,250	4,560
Average total loans	$26,149,500	4,510
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9894%	4,067
Cost of funding earning assets	0.2555%	3,237
Net interest margin	2.7339%	3,914
Noninterest income to average assets	1.2525%	746
Noninterest expense to average assets	2.3459%	2,627
Loan and lease loss provision to assets	0.1061%	1,179
Net operating income to assets	1.1260%	2,447
Return on assets (ROA)	1.1260%	2,516
Pretax return on assets	1.4198%	2,273
Return on Equity (ROE)	8.7624%	3,175
Retained earnings to average equity (ytd only)	8.7624%	1,798
Net charge-offs to loans	0.1381%	578
Credit loss provision to net charge-offs	144.4444%	1,179
Earnings coverage of net charge-offs (x)	20.7778%	1,520
Efficiency ratio	60.5901%	2,929
Assets per employee ($millions)	4.6304%	3,987
Cash dividends to net income (ytd only)*	0.0000%	3,087
Condition Ratios (%)
Loss allowance to loans	1.4095%	1,937
Loan loss allowance to noncurrent loans	1,178.1250%	658
Noncurrent assets plus other real estate owned to assets	0.0825%	3,658
Noncurrent loans to loans	0.1196%	3,593
Net loans and leases to total assets	51.7729%	3,368
Net loans and leases to deposits	60.0765%	3,383
Net loans and leases to core deposits	61.0841%	3,534
Total domestic deposits to total assets	86.1782%	2,675
Equity capital to assets	12.5653%	1,103
Core capital (leverage) ratio	12.7217%	859
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$49,022,333	4,662
Average earning assets	$46,965,333	4,632
Average equity	$6,299,667	4,592
Average total loans	$26,067,333	4,549
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0059%	4,070
Cost of funding earning assets	0.2796%	3,191
Net interest margin	2.7263%	3,909
Noninterest income to average assets	1.5062%	592
Noninterest expense to average assets	2.2968%	2,805
Loan and lease loss provision to assets	0.1165%	1,174
Net operating income to assets	1.3398%	1,707
Return on assets (ROA)	1.3398%	1,795
Pretax return on assets	1.6893%	1,518
Return on Equity (ROE)	10.3048%	2,594
Retained earnings to average equity (ytd only)	10.3048%	1,572
Net charge-offs to loans	0.2799%	304
Credit loss provision to net charge-offs	77.7778%	1,218
Earnings coverage of net charge-offs (x)	12.0556%	1,432
Efficiency ratio	55.9838%	3,551
Assets per employee ($millions)	4.1228%	4,402
Cash dividends to net income (ytd only)*	0.0000%	2,433
Condition Ratios (%)
Loss allowance to loans	1.3759%	2,077
Loan loss allowance to noncurrent loans	474.0260%	1,225
Noncurrent assets plus other real estate owned to assets	0.1556%	3,386
Noncurrent loans to loans	0.2903%	3,065
Net loans and leases to total assets	52.8834%	3,361
Net loans and leases to deposits	61.8189%	3,334
Net loans and leases to core deposits	62.8918%	3,507
Total domestic deposits to total assets	85.5457%	2,907
Equity capital to assets	12.7039%	990
Core capital (leverage) ratio	12.7877%	893
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$48,066,500	4,693
Average earning assets	$45,777,000	4,661
Average equity	$6,249,500	4,617
Average total loans	$25,727,500	4,580
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4459%	4,129
Cost of funding earning assets	0.4969%	2,970
Net interest margin	2.9491%	4,010
Noninterest income to average assets	0.7523%	1,679
Noninterest expense to average assets	2.8524%	1,811
Loan and lease loss provision to assets	0.1374%	2,644
Net operating income to assets	0.4863%	4,053
Return on assets (ROA)	0.4863%	4,140
Pretax return on assets	0.5583%	4,167
Return on Equity (ROE)	3.5869%	4,251
Retained earnings to average equity (ytd only)	1.4155%	4,060
Net charge-offs to loans	0.0390%	2,273
Credit loss provision to net charge-offs	630.0000%	1,072
Earnings coverage of net charge-offs (x)	31.9000%	1,557
Efficiency ratio	80.3934%	859
Assets per employee ($millions)	3.8883%	4,448
Cash dividends to net income (ytd only)*	60.5381%	1,339
Condition Ratios (%)
Loss allowance to loans	1.4803%	1,654
Loan loss allowance to noncurrent loans	392.5532%	1,391
Noncurrent assets plus other real estate owned to assets	0.2229%	3,170
Noncurrent loans to loans	0.3771%	2,852
Net loans and leases to total assets	52.6318%	3,620
Net loans and leases to deposits	61.8480%	3,615
Net loans and leases to core deposits	63.6267%	3,718
Total domestic deposits to total assets	85.0986%	2,721
Equity capital to assets	13.3176%	993
Core capital (leverage) ratio	13.4620%	795
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	27.9362%	290
Memoranda:
Average total assets	$45,856,600	4,699
Average earning assets	$43,471,400	4,681
Average equity	$6,217,000	4,616
Average total loans	$25,623,800	4,606
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5150%	4,181
Cost of funding earning assets	0.5427%	2,974
Net interest margin	2.9723%	4,041
Noninterest income to average assets	0.7447%	1,665
Noninterest expense to average assets	2.9057%	1,689
Loan and lease loss provision to assets	0.1336%	2,684
Net operating income to assets	0.4731%	4,107
Return on assets (ROA)	0.4731%	4,182
Pretax return on assets	0.5198%	4,246
Return on Equity (ROE)	3.4738%	4,294
Retained earnings to average equity (ytd only)	3.4738%	3,317
Net charge-offs to loans	0.0569%	1,794
Credit loss provision to net charge-offs	418.1818%	1,425
Earnings coverage of net charge-offs (x)	20.3636%	1,901
Efficiency ratio	81.6243%	748
Assets per employee ($millions)	3.6800%	4,564
Cash dividends to net income (ytd only)*	0.0000%	3,332
Condition Ratios (%)
Loss allowance to loans	1.3142%	2,104
Loan loss allowance to noncurrent loans	361.8557%	1,402
Noncurrent assets plus other real estate owned to assets	0.2423%	3,220
Noncurrent loans to loans	0.3632%	2,985
Net loans and leases to total assets	59.6875%	3,262
Net loans and leases to deposits	70.8491%	3,230
Net loans and leases to core deposits	73.0219%	3,395
Total domestic deposits to total assets	84.2459%	2,733
Equity capital to assets	14.2822%	791
Core capital (leverage) ratio	13.4390%	852
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	25.8855%	369
Memoranda:
Average total assets	$45,655,750	4,726
Average earning assets	$43,242,500	4,702
Average equity	$6,217,750	4,639
Average total loans	$25,798,000	4,631
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4823%	4,433
Cost of funding earning assets	0.5605%	3,177
Net interest margin	2.9218%	4,273
Noninterest income to average assets	0.7237%	1,657
Noninterest expense to average assets	2.6996%	2,381
Loan and lease loss provision to assets	0.1300%	2,720
Net operating income to assets	0.6067%	3,718
Return on assets (ROA)	0.6067%	3,794
Pretax return on assets	0.6500%	3,970
Return on Equity (ROE)	4.5249%	3,967
Retained earnings to average equity (ytd only)	4.5249%	2,696
Net charge-offs to loans	0.0863%	1,384
Credit loss provision to net charge-offs	272.7273%	1,689
Earnings coverage of net charge-offs (x)	16.3636%	1,863
Efficiency ratio	77.5841%	1,090
Assets per employee ($millions)	4.0363%	4,275
Cash dividends to net income (ytd only)*	0.0000%	3,182
Condition Ratios (%)
Loss allowance to loans	1.2794%	2,104
Loan loss allowance to noncurrent loans	179.1444%	2,317
Noncurrent assets plus other real estate owned to assets	0.4067%	2,664
Noncurrent loans to loans	0.7141%	2,092
Net loans and leases to total assets	53.3694%	3,929
Net loans and leases to deposits	62.3447%	3,988
Net loans and leases to core deposits	66.1802%	3,962
Total domestic deposits to total assets	85.6037%	2,163
Equity capital to assets	12.9924%	1,169
Core capital (leverage) ratio	12.8919%	1,034
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	26.3362%	353
Memoranda:
Average total assets	$46,154,333	4,746
Average earning assets	$43,534,667	4,723
Average equity	$6,188,000	4,663
Average total loans	$25,494,333	4,655
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6488%	4,476
Cost of funding earning assets	0.5657%	3,611
Net interest margin	3.0831%	4,129
Noninterest income to average assets	0.4887%	2,609
Noninterest expense to average assets	2.7636%	2,536
Loan and lease loss provision to assets	0.1333%	2,061
Net operating income to assets	0.3999%	4,135
Return on assets (ROA)	0.3999%	4,172
Pretax return on assets	0.4976%	4,127
Return on Equity (ROE)	2.9337%	4,233
Retained earnings to average equity (ytd only)	2.9337%	3,111
Net charge-offs to loans	0.1750%	761
Credit loss provision to net charge-offs	136.3636%	1,633
Earnings coverage of net charge-offs (x)	6.4545%	1,986
Efficiency ratio	81.4136%	1,011
Assets per employee ($millions)	3.7090%	4,266
Cash dividends to net income (ytd only)*	0.0000%	2,581
Condition Ratios (%)
Loss allowance to loans	1.2650%	2,310
Loan loss allowance to noncurrent loans	165.8031%	2,366
Noncurrent assets plus other real estate owned to assets	0.7570%	1,786
Noncurrent loans to loans	0.7629%	2,091
Net loans and leases to total assets	51.8012%	4,129
Net loans and leases to deposits	60.2523%	4,185
Net loans and leases to core deposits	66.1572%	4,076
Total domestic deposits to total assets	85.9738%	2,010
Equity capital to assets	12.8357%	1,530
Core capital (leverage) ratio	13.8980%	934
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	26.2538%	381
Memoranda:
Average total assets	$45,013,500	4,784
Average earning assets	$42,424,500	4,773
Average equity	$6,135,500	4,705
Average total loans	$25,149,000	4,694
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9552%	4,337
Cost of funding earning assets	0.4631%	4,232
Net interest margin	3.4921%	3,476
Noninterest income to average assets	0.7833%	1,500
Noninterest expense to average assets	3.3806%	1,149
Loan and lease loss provision to assets	0.9211%	108
Net operating income to assets	-0.1633%	5,015
Return on assets (ROA)	-0.1633%	5,024
Pretax return on assets	-0.2092%	5,020
Return on Equity (ROE)	-1.0550%	5,016
Retained earnings to average equity (ytd only)	-1.0550%	4,809
Net charge-offs to loans	1.7674%	74
Credit loss provision to net charge-offs	82.7982%	2,759
Earnings coverage of net charge-offs (x)	0.6399%	3,599
Efficiency ratio	82.6060%	763
Assets per employee ($millions)	3.2162%	4,691
Cash dividends to net income (ytd only)*	0.0000%	3,913
Condition Ratios (%)
Loss allowance to loans	1.2639%	2,098
Loan loss allowance to noncurrent loans	126.9076%	2,871
Noncurrent assets plus other real estate owned to assets	0.7223%	1,796
Noncurrent loans to loans	0.9960%	1,523
Net loans and leases to total assets	59.0409%	3,671
Net loans and leases to deposits	70.1119%	3,659
Net loans and leases to core deposits	75.2156%	3,634
Total domestic deposits to total assets	84.2095%	2,785
Equity capital to assets	14.5468%	914
Core capital (leverage) ratio	15.0801%	670
Tier 1 risk-based capital ratio	24.9343%	755
Total risk-based capital ratio	26.1832%	741
Memoranda:
Average total assets	$39,194,200	4,905
Average earning assets	$37,141,200	4,878
Average equity	$6,066,200	4,746
Average total loans	$24,668,600	4,765
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9235%	4,501
Cost of funding earning assets	0.4117%	4,462
Net interest margin	3.5118%	3,529
Noninterest income to average assets	0.7922%	1,443
Noninterest expense to average assets	3.4007%	1,088
Loan and lease loss provision to assets	1.2005%	73
Net operating income to assets	-0.3702%	5,124
Return on assets (ROA)	-0.3702%	5,131
Pretax return on assets	-0.4739%	5,136
Return on Equity (ROE)	-2.3533%	5,126
Retained earnings to average equity (ytd only)	-2.3533%	4,954
Net charge-offs to loans	1.9740%	58
Credit loss provision to net charge-offs	95.3297%	2,343
Earnings coverage of net charge-offs (x)	0.5769%	3,356
Efficiency ratio	82.3973%	731
Assets per employee ($millions)	3.1512%	4,792
Cash dividends to net income (ytd only)*	0.0000%	3,563
Condition Ratios (%)
Loss allowance to loans	1.4328%	1,450
Loan loss allowance to noncurrent loans	107.4713%	3,207
Noncurrent assets plus other real estate owned to assets	0.9300%	1,452
Noncurrent loans to loans	1.3332%	1,153
Net loans and leases to total assets	62.8057%	3,409
Net loans and leases to deposits	74.6742%	3,420
Net loans and leases to core deposits	80.2201%	3,374
Total domestic deposits to total assets	84.1063%	2,782
Equity capital to assets	14.7488%	919
Core capital (leverage) ratio	15.7156%	599
Tier 1 risk-based capital ratio	23.6955%	873
Total risk-based capital ratio	24.9420%	859
Memoranda:
Average total assets	$38,540,250	4,991
Average earning assets	$36,599,000	4,960
Average equity	$6,062,250	4,812
Average total loans	$24,585,500	4,832
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8752%	4,595
Cost of funding earning assets	0.3953%	4,533
Net interest margin	3.4799%	3,658
Noninterest income to average assets	0.8746%	1,140
Noninterest expense to average assets	3.2546%	1,385
Loan and lease loss provision to assets	1.0124%	95
Net operating income to assets	-0.0530%	5,119
Return on assets (ROA)	-0.0530%	5,125
Pretax return on assets	-0.0795%	5,125
Return on Equity (ROE)	-0.3295%	5,120
Retained earnings to average equity (ytd only)	-0.3295%	4,737
Net charge-offs to loans	2.0349%	51
Credit loss provision to net charge-offs	77.9592%	2,244
Earnings coverage of net charge-offs (x)	0.7184%	3,077
Efficiency ratio	77.7215%	1,191
Assets per employee ($millions)	2.6713%	5,072
Cash dividends to net income (ytd only)*	0.0000%	3,431
Condition Ratios (%)
Loss allowance to loans	1.3414%	1,848
Loan loss allowance to noncurrent loans	34.3910%	4,485
Noncurrent assets plus other real estate owned to assets	2.6392%	266
Noncurrent loans to loans	3.9004%	187
Net loans and leases to total assets	66.0811%	3,094
Net loans and leases to deposits	80.3649%	2,911
Net loans and leases to core deposits	84.3016%	3,083
Total domestic deposits to total assets	82.2263%	3,449
Equity capital to assets	16.3939%	550
Core capital (leverage) ratio	16.2617%	517
Tier 1 risk-based capital ratio	25.6816%	711
Total risk-based capital ratio	26.9315%	691
Memoranda:
Average total assets	$37,731,670	5,042
Average earning assets	$35,920,330	5,009
Average equity	$6,069,000	4,844
Average total loans	$24,079,670	4,884
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7090%	4,832
Cost of funding earning assets	0.3753%	4,590
Net interest margin	3.3337%	4,083
Noninterest income to average assets	0.6755%	1,699
Noninterest expense to average assets	3.1452%	1,624
Loan and lease loss provision to assets	1.8048%	42
Net operating income to assets	-0.8549%	5,279
Return on assets (ROA)	-0.8549%	5,275
Pretax return on assets	-1.0871%	5,281
Return on Equity (ROE)	-5.3660%	5,261
Retained earnings to average equity (ytd only)	-5.3660%	4,942
Net charge-offs to loans	4.7468%	21
Credit loss provision to net charge-offs	61.0714%	1,903
Earnings coverage of net charge-offs (x)	0.2429%	2,672
Efficiency ratio	81.4208%	931
Assets per employee ($millions)	3.1399%	4,884
Cash dividends to net income (ytd only)*	0.0000%	2,768
Condition Ratios (%)
Loss allowance to loans	1.1975%	2,596
Loan loss allowance to noncurrent loans	28.5425%	4,641
Noncurrent assets plus other real estate owned to assets	2.7310%	253
Noncurrent loans to loans	4.1953%	169
Net loans and leases to total assets	61.7532%	3,528
Net loans and leases to deposits	74.5626%	3,403
Net loans and leases to core deposits	78.1382%	3,508
Total domestic deposits to total assets	82.8207%	3,452
Equity capital to assets	15.9771%	574
Core capital (leverage) ratio	15.9129%	545
Tier 1 risk-based capital ratio	26.7492%	636
Total risk-based capital ratio	27.9956%	624
Memoranda:
Average total assets	$37,898,500	5,093
Average earning assets	$36,236,000	5,053
Average equity	$6,038,000	4,890
Average total loans	$23,595,000	4,959
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7110%	4,653
Cost of funding earning assets	0.2917%	4,608
Net interest margin	3.4193%	3,944
Noninterest income to average assets	0.7627%	1,595
Noninterest expense to average assets	3.1915%	1,574
Loan and lease loss provision to assets	0.8079%	122
Net operating income to assets	0.0376%	5,214
Return on assets (ROA)	0.0376%	5,209
Pretax return on assets	0.0276%	5,215
Return on Equity (ROE)	0.2486%	5,214
Retained earnings to average equity (ytd only)	-1.2431%	5,094
Net charge-offs to loans	1.1121%	125
Credit loss provision to net charge-offs	119.2593%	2,182
Earnings coverage of net charge-offs (x)	1.2333%	3,645
Efficiency ratio	79.2523%	1,017
Assets per employee ($millions)	3.1765%	4,862
Cash dividends to net income (ytd only)*	600.0000%	5
Condition Ratios (%)
Loss allowance to loans	1.6540%	919
Loan loss allowance to noncurrent loans	67.8819%	3,959
Noncurrent assets plus other real estate owned to assets	1.5636%	732
Noncurrent loans to loans	2.4365%	510
Net loans and leases to total assets	60.9922%	3,667
Net loans and leases to deposits	73.5193%	3,543
Net loans and leases to core deposits	76.0417%	3,717
Total domestic deposits to total assets	82.9608%	3,340
Equity capital to assets	15.8875%	549
Core capital (leverage) ratio	16.3678%	472
Tier 1 risk-based capital ratio	27.2312%	603
Total risk-based capital ratio	28.4833%	591
Memoranda:
Average total assets	$39,855,800	5,101
Average earning assets	$38,048,800	5,070
Average equity	$6,033,200	4,893
Average total loans	$24,277,800	4,962
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6943%	4,664
Cost of funding earning assets	0.2844%	4,612
Net interest margin	3.4098%	3,980
Noninterest income to average assets	0.7644%	1,609
Noninterest expense to average assets	3.2199%	1,479
Loan and lease loss provision to assets	1.4296%	54
Net operating income to assets	-0.4931%	5,385
Return on assets (ROA)	-0.4931%	5,381
Pretax return on assets	-0.6321%	5,396
Return on Equity (ROE)	-3.2959%	5,376
Retained earnings to average equity (ytd only)	-3.2959%	5,261
Net charge-offs to loans	1.6695%	67
Credit loss provision to net charge-offs	141.1765%	1,791
Earnings coverage of net charge-offs (x)	0.7876%	3,390
Efficiency ratio	80.1483%	930
Assets per employee ($millions)	3.2375%	4,847
Cash dividends to net income (ytd only)*	0.0000%	3,598
Condition Ratios (%)
Loss allowance to loans	1.9026%	587
Loan loss allowance to noncurrent loans	84.0868%	3,740
Noncurrent assets plus other real estate owned to assets	1.4234%	929
Noncurrent loans to loans	2.2627%	613
Net loans and leases to total assets	61.7117%	3,685
Net loans and leases to deposits	73.7080%	3,616
Net loans and leases to core deposits	76.1522%	3,793
Total domestic deposits to total assets	83.7246%	3,040
Equity capital to assets	15.2999%	660
Core capital (leverage) ratio	15.5600%	586
Tier 1 risk-based capital ratio	25.3928%	717
Total risk-based capital ratio	26.6499%	704
Memoranda:
Average total assets	$40,290,250	5,159
Average earning assets	$38,436,750	5,131
Average equity	$6,027,500	4,942
Average total loans	$24,437,250	5,013
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6291%	4,718
Cost of funding earning assets	0.2724%	4,615
Net interest margin	3.3566%	4,087
Noninterest income to average assets	0.7505%	1,646
Noninterest expense to average assets	3.3161%	1,280
Loan and lease loss provision to assets	1.8003%	38
Net operating income to assets	-0.9124%	5,469
Return on assets (ROA)	-0.9124%	5,464
Pretax return on assets	-1.1626%	5,474
Return on Equity (ROE)	-6.1433%	5,451
Retained earnings to average equity (ytd only)	-6.1433%	5,335
Net charge-offs to loans	3.8958%	25
Credit loss provision to net charge-offs	77.1008%	2,289
Earnings coverage of net charge-offs (x)	0.2731%	3,133
Efficiency ratio	83.8710%	696
Assets per employee ($millions)	2.7607%	5,232
Cash dividends to net income (ytd only)*	0.0000%	3,456
Condition Ratios (%)
Loss allowance to loans	0.9522%	4,107
Loan loss allowance to noncurrent loans	38.6555%	4,615
Noncurrent assets plus other real estate owned to assets	1.6041%	796
Noncurrent loans to loans	2.4633%	530
Net loans and leases to total assets	61.9017%	3,612
Net loans and leases to deposits	73.9544%	3,536
Net loans and leases to core deposits	76.4108%	3,715
Total domestic deposits to total assets	83.7025%	3,173
Equity capital to assets	15.2911%	632
Core capital (leverage) ratio	15.1290%	640
Tier 1 risk-based capital ratio	25.3653%	708
Total risk-based capital ratio	26.3340%	712
Memoranda:
Average total assets	$40,770,330	5,209
Average earning assets	$38,908,000	5,180
Average equity	$6,055,330	4,995
Average total loans	$24,436,330	5,071
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5482%	4,797
Cost of funding earning assets	0.2699%	4,576
Net interest margin	3.2784%	4,240
Noninterest income to average assets	0.6885%	1,885
Noninterest expense to average assets	2.8305%	2,605
Loan and lease loss provision to assets	0.8606%	107
Net operating income to assets	0.1147%	5,321
Return on assets (ROA)	0.1147%	5,317
Pretax return on assets	0.1339%	5,316
Return on Equity (ROE)	0.7833%	5,325
Retained earnings to average equity (ytd only)	0.7833%	4,669
Net charge-offs to loans	0.2116%	705
Credit loss provision to net charge-offs	692.3077%	479
Earnings coverage of net charge-offs (x)	8.0000%	2,055
Efficiency ratio	74.0000%	1,900
Assets per employee ($millions)	3.1256%	5,067
Cash dividends to net income (ytd only)*	0.0000%	2,749
Condition Ratios (%)
Loss allowance to loans	1.7349%	890
Loan loss allowance to noncurrent loans	38.7698%	4,661
Noncurrent assets plus other real estate owned to assets	2.5458%	360
Noncurrent loans to loans	4.4747%	193
Net loans and leases to total assets	53.8484%	4,297
Net loans and leases to deposits	63.2938%	4,255
Net loans and leases to core deposits	65.1073%	4,366
Total domestic deposits to total assets	85.0770%	2,905
Equity capital to assets	13.9677%	901
Core capital (leverage) ratio	15.1353%	630
Tier 1 risk-based capital ratio	26.5053%	648
Total risk-based capital ratio	27.7667%	637
Memoranda:
Average total assets	$41,830,500	5,252
Average earning assets	$40,020,000	5,222
Average equity	$6,128,000	5,038
Average total loans	$24,577,000	5,125
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3963%	4,945
Cost of funding earning assets	0.2724%	4,380
Net interest margin	3.1238%	4,643
Noninterest income to average assets	0.8624%	1,375
Noninterest expense to average assets	3.0891%	1,892
Loan and lease loss provision to assets	2.3351%	30
Net operating income to assets	-1.0188%	5,589
Return on assets (ROA)	-1.0188%	5,590
Pretax return on assets	-1.5837%	5,634
Return on Equity (ROE)	-6.5548%	5,565
Retained earnings to average equity (ytd only)	-6.5548%	5,479
Net charge-offs to loans	3.1158%	41
Credit loss provision to net charge-offs	115.1741%	2,279
Earnings coverage of net charge-offs (x)	0.3706%	3,997
Efficiency ratio	80.4334%	1,065
Assets per employee ($millions)	3.0695%	5,145
Cash dividends to net income (ytd only)*	0.0000%	4,098
Condition Ratios (%)
Loss allowance to loans	1.3466%	1,987
Loan loss allowance to noncurrent loans	25.5079%	4,913
Noncurrent assets plus other real estate owned to assets	3.3932%	203
Noncurrent loans to loans	5.2790%	120
Net loans and leases to total assets	62.2409%	3,587
Net loans and leases to deposits	74.4529%	3,482
Net loans and leases to core deposits	76.8346%	3,680
Total domestic deposits to total assets	83.5977%	3,355
Equity capital to assets	15.3973%	602
Core capital (leverage) ratio	15.5503%	535
Tier 1 risk-based capital ratio	25.3574%	697
Total risk-based capital ratio	26.6073%	690
Memoranda:
Average total assets	$39,655,200	5,335
Average earning assets	$37,806,400	5,309
Average equity	$6,163,400	5,078
Average total loans	$25,803,600	5,135
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3606%	5,020
Cost of funding earning assets	0.2686%	4,422
Net interest margin	3.0921%	4,733
Noninterest income to average assets	0.8688%	1,377
Noninterest expense to average assets	3.0476%	1,966
Loan and lease loss provision to assets	2.8152%	25
Net operating income to assets	-1.2965%	5,691
Return on assets (ROA)	-1.2965%	5,692
Pretax return on assets	-2.0474%	5,712
Return on Equity (ROE)	-8.3220%	5,661
Retained earnings to average equity (ytd only)	-8.3220%	5,598
Net charge-offs to loans	3.3537%	38
Credit loss provision to net charge-offs	128.0245%	1,912
Earnings coverage of net charge-offs (x)	0.3492%	3,673
Efficiency ratio	79.8764%	1,120
Assets per employee ($millions)	3.1868%	5,084
Cash dividends to net income (ytd only)*	0.0000%	3,680
Condition Ratios (%)
Loss allowance to loans	1.5489%	1,372
Loan loss allowance to noncurrent loans	32.2061%	4,904
Noncurrent assets plus other real estate owned to assets	3.1065%	279
Noncurrent loans to loans	4.8093%	173
Net loans and leases to total assets	61.3701%	3,735
Net loans and leases to deposits	73.1444%	3,651
Net loans and leases to core deposits	75.3780%	3,858
Total domestic deposits to total assets	83.9026%	3,155
Equity capital to assets	14.9943%	730
Core capital (leverage) ratio	15.5357%	570
Tier 1 risk-based capital ratio	24.9829%	755
Total risk-based capital ratio	26.2387%	736
Memoranda:
Average total assets	$39,593,250	5,392
Average earning assets	$37,730,000	5,367
Average equity	$6,168,250	5,133
Average total loans	$25,960,750	5,180
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3036%	5,101
Cost of funding earning assets	0.2636%	4,432
Net interest margin	3.0399%	4,817
Noninterest income to average assets	0.9382%	1,157
Noninterest expense to average assets	3.2198%	1,539
Loan and lease loss provision to assets	3.9991%	18
Net operating income to assets	-3.2300%	5,770
Return on assets (ROA)	-3.2300%	5,770
Pretax return on assets	-3.3838%	5,770
Return on Equity (ROE)	-20.3840%	5,755
Retained earnings to average equity (ytd only)	-20.3840%	5,721
Net charge-offs to loans	5.0219%	23
Credit loss provision to net charge-offs	119.4487%	1,788
Earnings coverage of net charge-offs (x)	0.1838%	3,396
Efficiency ratio	83.9572%	853
Assets per employee ($millions)	2.7516%	5,446
Cash dividends to net income (ytd only)*	0.0000%	3,521
Condition Ratios (%)
Loss allowance to loans	1.3467%	2,189
Loan loss allowance to noncurrent loans	32.8872%	4,919
Noncurrent assets plus other real estate owned to assets	2.8321%	343
Noncurrent loans to loans	4.0949%	229
Net loans and leases to total assets	65.4172%	3,190
Net loans and leases to deposits	78.5953%	3,057
Net loans and leases to core deposits	78.5953%	3,543
Total domestic deposits to total assets	83.2330%	3,489
Equity capital to assets	15.4976%	616
Core capital (leverage) ratio	15.2081%	595
Tier 1 risk-based capital ratio	24.4483%	811
Total risk-based capital ratio	25.7069%	788
Memoranda:
Average total assets	$39,009,000	5,442
Average earning assets	$37,172,000	5,414
Average equity	$6,181,330	5,162
Average total loans	$26,006,000	5,219
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8025%	3,757
Cost of funding earning assets	0.2648%	4,407
Net interest margin	3.5377%	3,133
Noninterest income to average assets	0.9092%	1,210
Noninterest expense to average assets	3.0508%	2,009
Loan and lease loss provision to assets	0.7071%	141
Net operating income to assets	0.3839%	4,994
Return on assets (ROA)	0.3839%	5,019
Pretax return on assets	0.5253%	4,915
Return on Equity (ROE)	2.2923%	5,282
Retained earnings to average equity (ytd only)	2.2923%	4,224
Net charge-offs to loans	4.1835%	26
Credit loss provision to net charge-offs	25.0896%	2,144
Earnings coverage of net charge-offs (x)	0.4373%	2,819
Efficiency ratio	71.2264%	2,699
Assets per employee ($millions)	2.4937%	5,623
Cash dividends to net income (ytd only)*	0.0000%	2,824
Condition Ratios (%)
Loss allowance to loans	0.8705%	4,863
Loan loss allowance to noncurrent loans	33.2853%	4,986
Noncurrent assets plus other real estate owned to assets	1.8522%	753
Noncurrent loans to loans	2.6152%	581
Net loans and leases to total assets	65.9315%	2,984
Net loans and leases to deposits	80.1304%	2,737
Net loans and leases to core deposits	80.1304%	3,283
Total domestic deposits to total assets	82.2803%	4,088
Equity capital to assets	16.7097%	408
Core capital (leverage) ratio	16.9172%	368
Tier 1 risk-based capital ratio	26.2200%	672
Total risk-based capital ratio	27.1262%	682
Memoranda:
Average total assets	$39,596,500	5,503
Average earning assets	$37,764,500	5,467
Average equity	$6,631,000	5,134
Average total loans	$26,676,000	5,249
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8690%	3,682
Cost of funding earning assets	0.2727%	4,335
Net interest margin	3.5964%	3,075
Noninterest income to average assets	0.7282%	2,041
Noninterest expense to average assets	3.1400%	1,928
Loan and lease loss provision to assets	0.3278%	546
Net operating income to assets	0.4941%	4,656
Return on assets (ROA)	0.4941%	4,731
Pretax return on assets	0.6884%	4,527
Return on Equity (ROE)	3.1613%	5,116
Retained earnings to average equity (ytd only)	1.1387%	4,841
Net charge-offs to loans	0.7595%	275
Credit loss provision to net charge-offs	66.6667%	3,162
Earnings coverage of net charge-offs (x)	2.0667%	3,892
Efficiency ratio	75.5493%	2,055
Assets per employee ($millions)	2.4559%	5,676
Cash dividends to net income (ytd only)*	63.9810%	1,591
Condition Ratios (%)
Loss allowance to loans	1.6446%	1,268
Loan loss allowance to noncurrent loans	44.6809%	4,789
Noncurrent assets plus other real estate owned to assets	2.6264%	436
Noncurrent loans to loans	3.6808%	314
Net loans and leases to total assets	67.1197%	2,911
Net loans and leases to deposits	81.6128%	2,713
Net loans and leases to core deposits	81.6128%	3,242
Total domestic deposits to total assets	82.2416%	4,011
Equity capital to assets	16.7837%	413
Core capital (leverage) ratio	16.6692%	386
Tier 1 risk-based capital ratio	25.4411%	729
Total risk-based capital ratio	26.6965%	717
Memoranda:
Average total assets	$42,707,600	5,492
Average earning assets	$40,707,800	5,450
Average equity	$6,674,400	5,156
Average total loans	$27,650,400	5,281
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8587%	3,741
Cost of funding earning assets	0.2761%	4,328
Net interest margin	3.5826%	3,152
Noninterest income to average assets	0.7009%	2,160
Noninterest expense to average assets	3.0057%	2,308
Loan and lease loss provision to assets	0.2449%	781
Net operating income to assets	0.6060%	4,268
Return on assets (ROA)	0.6060%	4,385
Pretax return on assets	0.8662%	4,094
Return on Equity (ROE)	3.9435%	4,922
Retained earnings to average equity (ytd only)	3.9435%	3,496
Net charge-offs to loans	0.0287%	3,085
Credit loss provision to net charge-offs	1,333.3333%	318
Earnings coverage of net charge-offs (x)	60.4988%	953
Efficiency ratio	73.0112%	2,440
Assets per employee ($millions)	2.7969%	5,552
Cash dividends to net income (ytd only)*	0.0000%	3,760
Condition Ratios (%)
Loss allowance to loans	2.0827%	625
Loan loss allowance to noncurrent loans	48.2275%	4,783
Noncurrent assets plus other real estate owned to assets	2.8913%	413
Noncurrent loans to loans	4.3186%	235
Net loans and leases to total assets	65.5567%	3,198
Net loans and leases to deposits	79.0134%	3,077
Net loans and leases to core deposits	79.0134%	3,551
Total domestic deposits to total assets	82.9690%	3,613
Equity capital to assets	16.1752%	526
Core capital (leverage) ratio	16.1382%	453
Tier 1 risk-based capital ratio	24.6657%	845
Total risk-based capital ratio	25.9265%	831
Memoranda:
Average total assets	$43,561,000	5,531
Average earning assets	$41,533,250	5,489
Average equity	$6,694,250	5,203
Average total loans	$27,859,250	5,323
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8129%	3,910
Cost of funding earning assets	0.2889%	4,255
Net interest margin	3.5240%	3,394
Noninterest income to average assets	0.6712%	2,270
Noninterest expense to average assets	2.8982%	2,679
Loan and lease loss provision to assets	0.1587%	1,433
Net operating income to assets	0.6849%	3,875
Return on assets (ROA)	0.6849%	4,019
Pretax return on assets	0.9887%	3,626
Return on Equity (ROE)	4.5320%	4,705
Retained earnings to average equity (ytd only)	4.5320%	3,027
Net charge-offs to loans	0.0576%	2,361
Credit loss provision to net charge-offs	437.5000%	729
Earnings coverage of net charge-offs (x)	31.6250%	1,356
Efficiency ratio	71.6368%	2,726
Assets per employee ($millions)	2.8047%	5,605
Cash dividends to net income (ytd only)*	0.0000%	3,619
Condition Ratios (%)
Loss allowance to loans	1.9202%	862
Loan loss allowance to noncurrent loans	77.0774%	4,185
Noncurrent assets plus other real estate owned to assets	1.6591%	1,091
Noncurrent loans to loans	2.4913%	706
Net loans and leases to total assets	65.3197%	3,179
Net loans and leases to deposits	78.6649%	3,090
Net loans and leases to core deposits	79.8118%	3,474
Total domestic deposits to total assets	83.0354%	3,642
Equity capital to assets	16.0708%	532
Core capital (leverage) ratio	15.4188%	537
Tier 1 risk-based capital ratio	24.3392%	871
Total risk-based capital ratio	25.5992%	854
Memoranda:
Average total assets	$44,097,000	5,579
Average earning assets	$42,225,000	5,537
Average equity	$6,663,670	5,256
Average total loans	$27,783,000	5,382
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5803%	4,675
Cost of funding earning assets	0.2953%	4,215
Net interest margin	3.2850%	4,283
Noninterest income to average assets	0.5764%	2,651
Noninterest expense to average assets	2.8907%	2,736
Loan and lease loss provision to assets	0.1330%	1,587
Net operating income to assets	0.5054%	4,610
Return on assets (ROA)	0.5054%	4,707
Pretax return on assets	0.7094%	4,492
Return on Equity (ROE)	3.4467%	5,086
Retained earnings to average equity (ytd only)	3.4467%	3,782
Net charge-offs to loans	-0.0145%	4,694
Credit loss provision to net charge-offs	-1,500.0000%	4,811
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.4347%	1,975
Assets per employee ($millions)	3.0139%	5,494
Cash dividends to net income (ytd only)*	0.0000%	2,863
Condition Ratios (%)
Loss allowance to loans	1.9496%	896
Loan loss allowance to noncurrent loans	405.3846%	1,254
Noncurrent assets plus other real estate owned to assets	0.2876%	4,412
Noncurrent loans to loans	0.4809%	3,739
Net loans and leases to total assets	58.6268%	3,973
Net loans and leases to deposits	69.7088%	3,881
Net loans and leases to core deposits	71.3202%	4,123
Total domestic deposits to total assets	84.1024%	3,479
Equity capital to assets	14.7253%	767
Core capital (leverage) ratio	14.9276%	615
Tier 1 risk-based capital ratio	24.8696%	829
Total risk-based capital ratio	26.1266%	811
Memoranda:
Average total assets	$45,110,500	5,613
Average earning assets	$43,348,000	5,566
Average equity	$6,615,000	5,301
Average total loans	$27,665,500	5,426
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6253%	4,602
Cost of funding earning assets	0.3434%	3,757
Net interest margin	3.2818%	4,364
Noninterest income to average assets	0.6595%	2,412
Noninterest expense to average assets	2.9592%	2,674
Loan and lease loss provision to assets	0.1293%	1,861
Net operating income to assets	0.5141%	4,641
Return on assets (ROA)	0.5065%	4,757
Pretax return on assets	0.7112%	4,502
Return on Equity (ROE)	3.5720%	5,116
Retained earnings to average equity (ytd only)	1.5200%	4,856
Net charge-offs to loans	0.0036%	4,330
Credit loss provision to net charge-offs	6,000.0000%	59
Earnings coverage of net charge-offs (x)	395.0000%	166
Efficiency ratio	77.6584%	2,022
Assets per employee ($millions)	3.0009%	5,520
Cash dividends to net income (ytd only)*	57.4468%	1,875
Condition Ratios (%)
Loss allowance to loans	1.8057%	1,123
Loan loss allowance to noncurrent loans	5,110.0000%	167
Noncurrent assets plus other real estate owned to assets	0.0222%	5,603
Noncurrent loans to loans	0.0353%	5,376
Net loans and leases to total assets	61.7355%	3,595
Net loans and leases to deposits	73.2543%	3,584
Net loans and leases to core deposits	74.9515%	3,853
Total domestic deposits to total assets	84.2757%	3,376
Equity capital to assets	14.6024%	749
Core capital (leverage) ratio	14.5828%	694
Tier 1 risk-based capital ratio	23.5332%	951
Total risk-based capital ratio	24.7905%	943
Memoranda:
Average total assets	$46,398,200	5,624
Average earning assets	$44,548,600	5,566
Average equity	$6,579,000	5,331
Average total loans	$27,605,800	5,455
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6205%	4,668
Cost of funding earning assets	0.3567%	3,678
Net interest margin	3.2638%	4,475
Noninterest income to average assets	0.6247%	2,608
Noninterest expense to average assets	2.8979%	2,854
Loan and lease loss provision to assets	0.1284%	1,762
Net operating income to assets	0.5237%	4,706
Return on assets (ROA)	0.5134%	4,829
Pretax return on assets	0.7159%	4,624
Return on Equity (ROE)	3.6470%	5,159
Retained earnings to average equity (ytd only)	3.6470%	3,873
Net charge-offs to loans	0.0097%	3,828
Credit loss provision to net charge-offs	2,250.0000%	158
Earnings coverage of net charge-offs (x)	150.3071%	471
Efficiency ratio	77.1450%	2,068
Assets per employee ($millions)	2.8997%	5,650
Cash dividends to net income (ytd only)*	0.0000%	3,801
Condition Ratios (%)
Loss allowance to loans	1.8109%	1,241
Loan loss allowance to noncurrent loans	1,706.8966%	363
Noncurrent assets plus other real estate owned to assets	0.0667%	5,499
Noncurrent loans to loans	0.1061%	5,214
Net loans and leases to total assets	61.7082%	3,651
Net loans and leases to deposits	73.8580%	3,562
Net loans and leases to core deposits	75.6440%	3,836
Total domestic deposits to total assets	83.5498%	3,592
Equity capital to assets	15.4087%	662
Core capital (leverage) ratio	14.5412%	727
Tier 1 risk-based capital ratio	24.3957%	906
Total risk-based capital ratio	25.6501%	895
Memoranda:
Average total assets	$46,744,500	5,688
Average earning assets	$44,854,750	5,630
Average equity	$6,580,500	5,397
Average total loans	$27,432,250	5,527
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5358%	4,893
Cost of funding earning assets	0.3575%	3,731
Net interest margin	3.1783%	4,723
Noninterest income to average assets	0.5938%	2,776
Noninterest expense to average assets	2.8686%	3,004
Loan and lease loss provision to assets	0.1255%	1,764
Net operating income to assets	0.4752%	4,868
Return on assets (ROA)	0.4600%	5,036
Pretax return on assets	0.6273%	4,900
Return on Equity (ROE)	3.3639%	5,284
Retained earnings to average equity (ytd only)	3.3639%	3,900
Net charge-offs to loans	0.0291%	3,085
Credit loss provision to net charge-offs	750.0000%	453
Earnings coverage of net charge-offs (x)	46.2500%	1,014
Efficiency ratio	78.7600%	1,950
Assets per employee ($millions)	2.8973%	5,711
Cash dividends to net income (ytd only)*	0.0000%	3,641
Condition Ratios (%)
Loss allowance to loans	1.7494%	1,496
Loan loss allowance to noncurrent loans	3,414.2857%	191
Noncurrent assets plus other real estate owned to assets	0.0302%	5,753
Noncurrent loans to loans	0.0512%	5,541
Net loans and leases to total assets	57.9114%	4,113
Net loans and leases to deposits	68.3243%	4,108
Net loans and leases to core deposits	71.1077%	4,213
Total domestic deposits to total assets	84.7596%	3,232
Equity capital to assets	14.2438%	894
Core capital (leverage) ratio	14.0195%	832
Tier 1 risk-based capital ratio	24.0685%	949
Total risk-based capital ratio	25.3264%	938
Memoranda:
Average total assets	$47,827,670	5,725
Average earning assets	$45,873,000	5,658
Average equity	$6,540,000	5,444
Average total loans	$27,464,670	5,579
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5108%	4,930
Cost of funding earning assets	0.3605%	3,745
Net interest margin	3.1502%	4,787
Noninterest income to average assets	0.5189%	3,158
Noninterest expense to average assets	3.0311%	2,481
Loan and lease loss provision to assets	0.1236%	1,686
Net operating income to assets	0.3130%	5,368
Return on assets (ROA)	0.3130%	5,470
Pretax return on assets	0.3871%	5,455
Return on Equity (ROE)	2.3354%	5,594
Retained earnings to average equity (ytd only)	2.3354%	4,521
Net charge-offs to loans	0.0291%	2,600
Credit loss provision to net charge-offs	750.0000%	401
Earnings coverage of net charge-offs (x)	31.0000%	1,130
Efficiency ratio	85.5814%	1,218
Assets per employee ($millions)	2.8122%	5,877
Cash dividends to net income (ytd only)*	0.0000%	2,870
Condition Ratios (%)
Loss allowance to loans	1.7405%	1,636
Loan loss allowance to noncurrent loans	2,906.2500%	228
Noncurrent assets plus other real estate owned to assets	0.0335%	5,805
Noncurrent loans to loans	0.0599%	5,540
Net loans and leases to total assets	54.9104%	4,330
Net loans and leases to deposits	64.4323%	4,327
Net loans and leases to core deposits	66.9566%	4,429
Total domestic deposits to total assets	85.2218%	3,296
Equity capital to assets	13.7239%	1,084
Core capital (leverage) ratio	13.4330%	996
Tier 1 risk-based capital ratio	24.0752%	987
Total risk-based capital ratio	25.7954%	917
Memoranda:
Average total assets	$48,563,000	5,758
Average earning assets	$46,599,500	5,692
Average equity	$6,508,500	5,496
Average total loans	$27,535,000	5,616
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5951%	5,089
Cost of funding earning assets	0.4004%	3,686
Net interest margin	3.1948%	4,939
Noninterest income to average assets	0.6391%	2,623
Noninterest expense to average assets	2.9061%	3,134
Loan and lease loss provision to assets	0.1198%	2,179
Net operating income to assets	0.4993%	4,813
Return on assets (ROA)	0.4993%	4,902
Pretax return on assets	0.6731%	4,713
Return on Equity (ROE)	3.8816%	5,167
Retained earnings to average equity (ytd only)	1.7855%	4,917
Net charge-offs to loans	-0.0937%	6,096
Credit loss provision to net charge-offs	-240.0000%	5,668
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	78.5637%	2,123
Assets per employee ($millions)	2.7399%	5,990
Cash dividends to net income (ytd only)*	54.0000%	2,065
Condition Ratios (%)
Loss allowance to loans	1.5941%	2,113
Loan loss allowance to noncurrent loans	1,738.4615%	380
Noncurrent assets plus other real estate owned to assets	0.0933%	5,655
Noncurrent loans to loans	0.0917%	5,522
Net loans and leases to total assets	56.5745%	4,250
Net loans and leases to deposits	65.7911%	4,350
Net loans and leases to core deposits	68.2601%	4,475
Total domestic deposits to total assets	85.9912%	2,851
Equity capital to assets	13.0903%	1,323
Core capital (leverage) ratio	13.2256%	1,046
Tier 1 risk-based capital ratio	22.4992%	1,150
Total risk-based capital ratio	23.7544%	1,135
Memoranda:
Average total assets	$50,067,200	5,783
Average earning assets	$47,953,600	5,722
Average equity	$6,440,600	5,544
Average total loans	$26,694,600	5,713
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5873%	5,174
Cost of funding earning assets	0.4097%	3,685
Net interest margin	3.1777%	5,035
Noninterest income to average assets	0.6235%	2,723
Noninterest expense to average assets	2.9317%	3,017
Loan and lease loss provision to assets	0.1194%	2,079
Net operating income to assets	0.4457%	5,089
Return on assets (ROA)	0.4457%	5,168
Pretax return on assets	0.6182%	4,971
Return on Equity (ROE)	3.4799%	5,370
Retained earnings to average equity (ytd only)	3.4799%	4,155
Net charge-offs to loans	-0.2435%	6,347
Credit loss provision to net charge-offs	-93.7500%	5,438
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	79.8988%	1,934
Assets per employee ($millions)	2.7243%	6,059
Cash dividends to net income (ytd only)*	0.0000%	3,806
Condition Ratios (%)
Loss allowance to loans	1.6733%	2,057
Loan loss allowance to noncurrent loans	1,069.7674%	532
Noncurrent assets plus other real estate owned to assets	0.1285%	5,655
Noncurrent loans to loans	0.1564%	5,439
Net loans and leases to total assets	55.1205%	4,445
Net loans and leases to deposits	64.1890%	4,515
Net loans and leases to core deposits	66.6125%	4,652
Total domestic deposits to total assets	85.8722%	2,920
Equity capital to assets	13.2632%	1,292
Core capital (leverage) ratio	12.9525%	1,200
Tier 1 risk-based capital ratio	23.2607%	1,085
Total risk-based capital ratio	24.5159%	1,069
Memoranda:
Average total assets	$50,254,250	5,847
Average earning assets	$48,168,250	5,784
Average equity	$6,436,750	5,597
Average total loans	$26,279,750	5,787
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5256%	5,357
Cost of funding earning assets	0.4165%	3,695
Net interest margin	3.1091%	5,228
Noninterest income to average assets	0.6672%	2,445
Noninterest expense to average assets	2.9017%	3,159
Loan and lease loss provision to assets	0.1184%	2,069
Net operating income to assets	0.4501%	5,016
Return on assets (ROA)	0.4501%	5,093
Pretax return on assets	0.6238%	4,882
Return on Equity (ROE)	3.5545%	5,322
Retained earnings to average equity (ytd only)	3.5545%	3,932
Net charge-offs to loans	-0.3478%	6,462
Credit loss provision to net charge-offs	-66.6667%	5,203
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	79.6316%	2,073
Assets per employee ($millions)	2.8212%	6,003
Cash dividends to net income (ytd only)*	0.0000%	3,638
Condition Ratios (%)
Loss allowance to loans	1.6761%	2,204
Loan loss allowance to noncurrent loans	1,381.2500%	384
Noncurrent assets plus other real estate owned to assets	0.2698%	5,283
Noncurrent loans to loans	0.1213%	5,653
Net loans and leases to total assets	51.0594%	4,854
Net loans and leases to deposits	59.4811%	4,909
Net loans and leases to core deposits	61.6447%	4,998
Total domestic deposits to total assets	85.8414%	3,131
Equity capital to assets	12.8116%	1,483
Core capital (leverage) ratio	12.7563%	1,261
Tier 1 risk-based capital ratio	24.1111%	969
Total risk-based capital ratio	25.3671%	948
Memoranda:
Average total assets	$50,659,670	5,886
Average earning assets	$48,503,000	5,826
Average equity	$6,414,330	5,630
Average total loans	$25,876,330	5,843
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5044%	5,406
Cost of funding earning assets	0.4195%	3,763
Net interest margin	3.0849%	5,299
Noninterest income to average assets	0.6166%	2,637
Noninterest expense to average assets	3.0910%	2,562
Loan and lease loss provision to assets	0.1186%	2,001
Net operating income to assets	0.3083%	5,462
Return on assets (ROA)	0.3083%	5,513
Pretax return on assets	0.3716%	5,536
Return on Equity (ROE)	2.4496%	5,648
Retained earnings to average equity (ytd only)	2.4496%	4,601
Net charge-offs to loans	-0.3590%	6,511
Credit loss provision to net charge-offs	-65.2174%	4,780
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	86.3135%	1,416
Assets per employee ($millions)	2.8310%	6,065
Cash dividends to net income (ytd only)*	0.0000%	2,852
Condition Ratios (%)
Loss allowance to loans	1.5632%	2,868
Loan loss allowance to noncurrent loans	1,396.5517%	387
Noncurrent assets plus other real estate owned to assets	0.2728%	5,349
Noncurrent loans to loans	0.1119%	5,791
Net loans and leases to total assets	50.0471%	4,905
Net loans and leases to deposits	57.8365%	4,962
Net loans and leases to core deposits	59.9126%	5,048
Total domestic deposits to total assets	86.5320%	3,089
Equity capital to assets	12.5849%	1,535
Core capital (leverage) ratio	12.6055%	1,339
Tier 1 risk-based capital ratio	24.1312%	983
Total risk-based capital ratio	25.3877%	963
Memoranda:
Average total assets	$50,598,500	5,947
Average earning assets	$48,624,500	5,878
Average equity	$6,368,500	5,671
Average total loans	$25,629,000	5,906
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4615%	5,707
Cost of funding earning assets	0.4801%	3,820
Net interest margin	2.9815%	5,619
Noninterest income to average assets	0.6417%	2,854
Noninterest expense to average assets	2.7432%	3,934
Loan and lease loss provision to assets	0.2278%	1,597
Net operating income to assets	0.4025%	5,137
Return on assets (ROA)	0.3835%	5,314
Pretax return on assets	0.4993%	5,207
Return on Equity (ROE)	3.1197%	5,462
Retained earnings to average equity (ytd only)	1.3127%	5,240
Net charge-offs to loans	0.1664%	3,147
Credit loss provision to net charge-offs	300.0000%	758
Earnings coverage of net charge-offs (x)	9.9000%	2,449
Efficiency ratio	78.4900%	2,387
Assets per employee ($millions)	2.7911%	6,122
Cash dividends to net income (ytd only)*	57.9208%	1,868
Condition Ratios (%)
Loss allowance to loans	1.4477%	3,429
Loan loss allowance to noncurrent loans	7,340.0000%	105
Noncurrent assets plus other real estate owned to assets	0.2289%	5,593
Noncurrent loans to loans	0.0197%	6,207
Net loans and leases to total assets	49.7283%	5,112
Net loans and leases to deposits	57.4282%	5,173
Net loans and leases to core deposits	59.5159%	5,256
Total domestic deposits to total assets	86.5921%	2,942
Equity capital to assets	12.5878%	1,470
Core capital (leverage) ratio	12.7006%	1,257
Tier 1 risk-based capital ratio	24.4856%	904
Total risk-based capital ratio	25.7378%	890
Memoranda:
Average total assets	$52,675,400	5,949
Average earning assets	$50,411,200	5,871
Average equity	$6,475,000	5,702
Average total loans	$24,039,800	6,032
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4264%	5,826
Cost of funding earning assets	0.4970%	3,796
Net interest margin	2.9295%	5,742
Noninterest income to average assets	0.6306%	2,990
Noninterest expense to average assets	2.7049%	4,005
Loan and lease loss provision to assets	0.2252%	1,609
Net operating income to assets	0.3828%	5,319
Return on assets (ROA)	0.3828%	5,456
Pretax return on assets	0.5029%	5,348
Return on Equity (ROE)	3.1322%	5,558
Retained earnings to average equity (ytd only)	3.1322%	4,439
Net charge-offs to loans	0.2418%	2,362
Credit loss provision to net charge-offs	209.3023%	1,157
Earnings coverage of net charge-offs (x)	6.7677%	2,910
Efficiency ratio	78.7901%	2,294
Assets per employee ($millions)	2.8392%	6,093
Cash dividends to net income (ytd only)*	0.0000%	3,738
Condition Ratios (%)
Loss allowance to loans	1.3566%	4,101
Loan loss allowance to noncurrent loans	6,680.0000%	108
Noncurrent assets plus other real estate owned to assets	0.2250%	5,773
Noncurrent loans to loans	0.0203%	6,291
Net loans and leases to total assets	47.5237%	5,398
Net loans and leases to deposits	54.9132%	5,461
Net loans and leases to core deposits	56.8729%	5,540
Total domestic deposits to total assets	86.5434%	2,936
Equity capital to assets	12.6054%	1,525
Core capital (leverage) ratio	12.3084%	1,515
Tier 1 risk-based capital ratio	25.1036%	868
Total risk-based capital ratio	26.3894%	851
Memoranda:
Average total assets	$53,284,500	6,000
Average earning assets	$50,975,250	5,927
Average equity	$6,512,750	5,767
Average total loans	$23,712,250	6,103
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3750%	5,958
Cost of funding earning assets	0.5225%	3,681
Net interest margin	2.8525%	5,890
Noninterest income to average assets	0.6110%	3,128
Noninterest expense to average assets	2.5921%	4,419
Loan and lease loss provision to assets	0.2222%	1,706
Net operating income to assets	0.3925%	5,243
Return on assets (ROA)	0.3925%	5,408
Pretax return on assets	0.5258%	5,286
Return on Equity (ROE)	3.2434%	5,526
Retained earnings to average equity (ytd only)	3.2434%	4,242
Net charge-offs to loans	0.4699%	1,403
Credit loss provision to net charge-offs	109.0909%	2,027
Earnings coverage of net charge-offs (x)	3.6727%	3,337
Efficiency ratio	77.6053%	2,526
Assets per employee ($millions)	2.8808%	6,052
Cash dividends to net income (ytd only)*	0.0000%	3,522
Condition Ratios (%)
Loss allowance to loans	1.2132%	4,916
Loan loss allowance to noncurrent loans	1,717.6471%	302
Noncurrent assets plus other real estate owned to assets	0.2468%	5,747
Noncurrent loans to loans	0.0706%	6,185
Net loans and leases to total assets	45.8529%	5,551
Net loans and leases to deposits	52.8014%	5,619
Net loans and leases to core deposits	54.6485%	5,703
Total domestic deposits to total assets	86.8402%	2,919
Equity capital to assets	12.3132%	1,698
Core capital (leverage) ratio	12.0268%	1,603
Tier 1 risk-based capital ratio	25.5992%	810
Total risk-based capital ratio	26.7716%	800
Memoranda:
Average total assets	$54,011,000	6,019
Average earning assets	$51,674,330	5,947
Average equity	$6,536,330	5,799
Average total loans	$23,409,330	6,156
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2855%	6,180
Cost of funding earning assets	0.5526%	3,547
Net interest margin	2.7329%	6,159
Noninterest income to average assets	0.6099%	3,085
Noninterest expense to average assets	2.6720%	4,178
Loan and lease loss provision to assets	0.2178%	1,702
Net operating income to assets	0.2904%	5,599
Return on assets (ROA)	0.2904%	5,719
Pretax return on assets	0.3413%	5,744
Return on Equity (ROE)	2.4198%	5,807
Retained earnings to average equity (ytd only)	2.4198%	4,819
Net charge-offs to loans	-0.0347%	5,966
Credit loss provision to net charge-offs	-1,500.0000%	5,692
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	82.6966%	1,933
Assets per employee ($millions)	3.0754%	5,861
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	1.3121%	4,635
Loan loss allowance to noncurrent loans	550.0000%	790
Noncurrent assets plus other real estate owned to assets	0.3649%	5,494
Noncurrent loans to loans	0.2386%	5,816
Net loans and leases to total assets	43.3433%	5,724
Net loans and leases to deposits	49.8504%	5,798
Net loans and leases to core deposits	52.3224%	5,796
Total domestic deposits to total assets	86.9468%	2,994
Equity capital to assets	11.9368%	2,086
Core capital (leverage) ratio	11.2334%	2,071
Tier 1 risk-based capital ratio	25.1545%	868
Total risk-based capital ratio	26.4262%	852
Memoranda:
Average total assets	$55,089,000	6,043
Average earning assets	$52,837,500	5,954
Average equity	$6,612,000	5,840
Average total loans	$23,079,500	6,217
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4415%	6,426
Cost of funding earning assets	0.6913%	3,564
Net interest margin	2.7502%	6,448
Noninterest income to average assets	0.6119%	3,219
Noninterest expense to average assets	2.5549%	4,918
Loan and lease loss provision to assets	0.1816%	3,360
Net operating income to assets	0.4158%	5,030
Return on assets (ROA)	0.4158%	5,288
Pretax return on assets	0.5048%	5,264
Return on Equity (ROE)	3.4567%	5,366
Retained earnings to average equity (ytd only)	1.6906%	5,011
Net charge-offs to loans	0.0571%	5,126
Credit loss provision to net charge-offs	833.3333%	298
Earnings coverage of net charge-offs (x)	31.5000%	971
Efficiency ratio	78.8235%	2,304
Assets per employee ($millions)	3.0456%	5,944
Cash dividends to net income (ytd only)*	51.0917%	2,262
Condition Ratios (%)
Loss allowance to loans	1.3137%	4,562
Loan loss allowance to noncurrent loans	206.4748%	1,797
Noncurrent assets plus other real estate owned to assets	0.3594%	5,609
Noncurrent loans to loans	0.6363%	4,927
Net loans and leases to total assets	39.3269%	6,216
Net loans and leases to deposits	45.3168%	6,284
Net loans and leases to core deposits	47.5874%	6,293
Total domestic deposits to total assets	86.7822%	2,948
Equity capital to assets	12.0686%	2,005
Core capital (leverage) ratio	11.5565%	1,838
Tier 1 risk-based capital ratio	28.4386%	596
Total risk-based capital ratio	29.5996%	587
Memoranda:
Average total assets	$55,071,400	6,046
Average earning assets	$52,651,600	5,965
Average equity	$6,624,800	5,865
Average total loans	$21,026,600	6,377
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4821%	6,529
Cost of funding earning assets	0.7152%	3,636
Net interest margin	2.7669%	6,558
Noninterest income to average assets	0.6118%	3,202
Noninterest expense to average assets	2.5706%	4,843
Loan and lease loss provision to assets	0.1935%	3,161
Net operating income to assets	0.4111%	5,201
Return on assets (ROA)	0.4111%	5,437
Pretax return on assets	0.4861%	5,501
Return on Equity (ROE)	3.4203%	5,522
Retained earnings to average equity (ytd only)	3.4203%	4,458
Net charge-offs to loans	-0.0128%	6,412
Credit loss provision to net charge-offs	-4,000.0000%	6,650
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	79.0923%	2,226
Assets per employee ($millions)	3.1611%	5,711
Cash dividends to net income (ytd only)*	0.0000%	3,713
Condition Ratios (%)
Loss allowance to loans	1.3409%	4,627
Loan loss allowance to noncurrent loans	510.9091%	751
Noncurrent assets plus other real estate owned to assets	0.2847%	5,988
Noncurrent loans to loans	0.2625%	5,968
Net loans and leases to total assets	38.4737%	6,392
Net loans and leases to deposits	44.5832%	6,475
Net loans and leases to core deposits	46.8725%	6,474
Total domestic deposits to total assets	86.2965%	3,091
Equity capital to assets	12.4977%	1,890
Core capital (leverage) ratio	11.5853%	1,925
Tier 1 risk-based capital ratio	29.3153%	563
Total risk-based capital ratio	30.6078%	554
Memoranda:
Average total assets	$55,134,250	6,119
Average earning assets	$52,571,750	6,038
Average equity	$6,627,000	5,929
Average total loans	$20,821,750	6,473
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4520%	6,668
Cost of funding earning assets	0.7214%	3,836
Net interest margin	2.7306%	6,672
Noninterest income to average assets	0.6043%	3,229
Noninterest expense to average assets	2.3957%	5,475
Loan and lease loss provision to assets	0.2158%	2,912
Net operating income to assets	0.4748%	4,932
Return on assets (ROA)	0.4748%	5,179
Pretax return on assets	0.5935%	5,161
Return on Equity (ROE)	4.0016%	5,263
Retained earnings to average equity (ytd only)	4.0016%	3,945
Net charge-offs to loans	-0.0096%	6,279
Credit loss provision to net charge-offs	-6,000.0000%	6,574
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	74.7475%	2,943
Assets per employee ($millions)	3.1179%	5,804
Cash dividends to net income (ytd only)*	0.0000%	3,523
Condition Ratios (%)
Loss allowance to loans	1.2605%	5,081
Loan loss allowance to noncurrent loans	419.3548%	863
Noncurrent assets plus other real estate owned to assets	0.2833%	6,064
Noncurrent loans to loans	0.3006%	5,959
Net loans and leases to total assets	36.2888%	6,599
Net loans and leases to deposits	41.7473%	6,665
Net loans and leases to core deposits	43.7753%	6,671
Total domestic deposits to total assets	86.9249%	2,814
Equity capital to assets	11.8884%	2,236
Core capital (leverage) ratio	11.2746%	2,064
Tier 1 risk-based capital ratio	29.9781%	520
Total risk-based capital ratio	31.2172%	513
Memoranda:
Average total assets	$55,599,670	6,145
Average earning assets	$52,955,330	6,065
Average equity	$6,597,330	5,956
Average total loans	$20,777,000	6,526
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5080%	6,686
Cost of funding earning assets	0.7474%	3,883
Net interest margin	2.7607%	6,696
Noninterest income to average assets	0.5927%	3,281
Noninterest expense to average assets	2.4142%	5,424
Loan and lease loss provision to assets	0.2891%	2,150
Net operating income to assets	0.4192%	5,172
Return on assets (ROA)	0.4192%	5,365
Pretax return on assets	0.5060%	5,407
Return on Equity (ROE)	3.5366%	5,495
Retained earnings to average equity (ytd only)	3.5366%	4,463
Net charge-offs to loans	0.0000%	4,730
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	75.2252%	2,906
Assets per employee ($millions)	3.0756%	6,008
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	1.1427%	5,740
Loan loss allowance to noncurrent loans	277.9070%	1,210
Noncurrent assets plus other real estate owned to assets	0.2890%	6,167
Noncurrent loans to loans	0.4112%	5,849
Net loans and leases to total assets	37.3483%	6,537
Net loans and leases to deposits	42.9444%	6,614
Net loans and leases to core deposits	44.5719%	6,634
Total domestic deposits to total assets	86.9689%	2,967
Equity capital to assets	11.8985%	2,114
Core capital (leverage) ratio	11.7510%	1,734
Tier 1 risk-based capital ratio	27.6927%	669
Total risk-based capital ratio	28.7572%	666
Memoranda:
Average total assets	$55,338,500	6,194
Average earning assets	$52,451,000	6,123
Average equity	$6,560,000	6,006
Average total loans	$20,852,500	6,572
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1894%	6,086
Cost of funding earning assets	0.9819%	3,498
Net interest margin	3.2075%	6,071
Noninterest income to average assets	0.6082%	3,121
Noninterest expense to average assets	2.5897%	5,136
Loan and lease loss provision to assets	1.0355%	908
Net operating income to assets	0.1133%	5,839
Return on assets (ROA)	0.1133%	5,962
Pretax return on assets	0.0278%	6,075
Return on Equity (ROE)	0.8827%	5,988
Retained earnings to average equity (ytd only)	-2.6015%	6,225
Net charge-offs to loans	2.3625%	519
Credit loss provision to net charge-offs	104.8290%	3,266
Earnings coverage of net charge-offs (x)	1.0765%	4,978
Efficiency ratio	70.8923%	3,797
Assets per employee ($millions)	3.2539%	5,611
Cash dividends to net income (ytd only)*	394.7368%	29
Condition Ratios (%)
Loss allowance to loans	0.9572%	6,374
Loan loss allowance to noncurrent loans	213.9785%	1,538
Noncurrent assets plus other real estate owned to assets	0.3019%	6,218
Noncurrent loans to loans	0.4473%	5,814
Net loans and leases to total assets	37.2236%	6,685
Net loans and leases to deposits	42.7510%	6,777
Net loans and leases to core deposits	44.6069%	6,791
Total domestic deposits to total assets	87.0709%	2,723
Equity capital to assets	11.8101%	2,267
Core capital (leverage) ratio	12.0269%	1,576
Tier 1 risk-based capital ratio	28.1882%	610
Total risk-based capital ratio	29.0991%	623
Memoranda:
Average total assets	$50,314,200	6,353
Average earning assets	$47,763,200	6,265
Average equity	$6,457,800	6,024
Average total loans	$21,037,400	6,605
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3003%	5,951
Cost of funding earning assets	1.0508%	3,313
Net interest margin	3.2495%	6,015
Noninterest income to average assets	0.6359%	2,960
Noninterest expense to average assets	2.6849%	4,788
Loan and lease loss provision to assets	1.3886%	529
Net operating income to assets	-0.1386%	6,322
Return on assets (ROA)	-0.1386%	6,401
Pretax return on assets	-0.3451%	6,527
Return on Equity (ROE)	-1.0561%	6,388
Retained earnings to average equity (ytd only)	-5.7150%	6,633
Net charge-offs to loans	3.1469%	289
Credit loss provision to net charge-offs	102.6104%	3,243
Earnings coverage of net charge-offs (x)	0.7711%	5,034
Efficiency ratio	72.0117%	3,553
Assets per employee ($millions)	3.1481%	5,790
Cash dividends to net income (ytd only)*	-441.1618%	7,422
Condition Ratios (%)
Loss allowance to loans	0.9088%	6,571
Loan loss allowance to noncurrent loans	108.0460%	2,774
Noncurrent assets plus other real estate owned to assets	0.4944%	5,853
Noncurrent loans to loans	0.8411%	5,194
Net loans and leases to total assets	40.6977%	6,583
Net loans and leases to deposits	47.3527%	6,664
Net loans and leases to core deposits	47.3527%	6,788
Total domestic deposits to total assets	85.9457%	3,247
Equity capital to assets	12.8591%	1,679
Core capital (leverage) ratio	11.9947%	1,713
Tier 1 risk-based capital ratio	28.0015%	659
Total risk-based capital ratio	28.8716%	674
Memoranda:
Average total assets	$49,063,500	6,450
Average earning assets	$46,693,500	6,358
Average equity	$6,439,000	6,073
Average total loans	$21,099,250	6,673
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3253%	5,932
Cost of funding earning assets	1.1008%	3,229
Net interest margin	3.2245%	6,081
Noninterest income to average assets	0.6539%	2,805
Noninterest expense to average assets	2.7268%	4,718
Loan and lease loss provision to assets	0.1028%	5,027
Net operating income to assets	0.6786%	3,648
Return on assets (ROA)	0.6786%	3,773
Pretax return on assets	0.8843%	3,688
Return on Equity (ROE)	5.1351%	4,388
Retained earnings to average equity (ytd only)	-1.8673%	6,227
Net charge-offs to loans	0.0753%	4,893
Credit loss provision to net charge-offs	312.5000%	971
Earnings coverage of net charge-offs (x)	30.0000%	919
Efficiency ratio	73.4219%	3,480
Assets per employee ($millions)	2.9385%	6,220
Cash dividends to net income (ytd only)*	136.3636%	228
Condition Ratios (%)
Loss allowance to loans	0.9202%	6,600
Loan loss allowance to noncurrent loans	24.0903%	6,571
Noncurrent assets plus other real estate owned to assets	1.5954%	3,808
Noncurrent loans to loans	3.8200%	1,822
Net loans and leases to total assets	41.3812%	6,635
Net loans and leases to deposits	48.3997%	6,705
Net loans and leases to core deposits	48.3997%	6,838
Total domestic deposits to total assets	85.4989%	3,625
Equity capital to assets	13.1538%	1,445
Core capital (leverage) ratio	12.2916%	1,457
Tier 1 risk-based capital ratio	28.5467%	622
Total risk-based capital ratio	29.4214%	636
Memoranda:
Average total assets	$48,628,330	6,524
Average earning assets	$46,146,670	6,434
Average equity	$6,426,330	6,109
Average total loans	$21,236,670	6,736
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4611%	5,482
Cost of funding earning assets	1.1153%	3,419
Net interest margin	3.3458%	5,622
Noninterest income to average assets	0.6755%	2,701
Noninterest expense to average assets	2.7103%	4,794
Loan and lease loss provision to assets	0.0417%	5,464
Net operating income to assets	0.8173%	2,941
Return on assets (ROA)	0.8173%	2,996
Pretax return on assets	1.1008%	2,751
Return on Equity (ROE)	6.1693%	3,805
Retained earnings to average equity (ytd only)	-7.9950%	6,752
Net charge-offs to loans	0.1680%	3,468
Credit loss provision to net charge-offs	55.5556%	3,635
Earnings coverage of net charge-offs (x)	15.2222%	1,333
Efficiency ratio	70.3463%	4,187
Assets per employee ($millions)	2.6433%	6,780
Cash dividends to net income (ytd only)*	229.5918%	157
Condition Ratios (%)
Loss allowance to loans	0.8074%	6,901
Loan loss allowance to noncurrent loans	103.0120%	2,784
Noncurrent assets plus other real estate owned to assets	0.3305%	6,371
Noncurrent loans to loans	0.7838%	5,469
Net loans and leases to total assets	41.8323%	6,634
Net loans and leases to deposits	48.6376%	6,714
Net loans and leases to core deposits	50.2908%	6,761
Total domestic deposits to total assets	86.0081%	3,526
Equity capital to assets	12.5383%	1,608
Core capital (leverage) ratio	12.7190%	1,228
Tier 1 risk-based capital ratio	28.1243%	624
Total risk-based capital ratio	28.9000%	637
Memoranda:
Average total assets	$47,965,000	6,586
Average earning assets	$45,549,500	6,500
Average equity	$6,354,000	6,138
Average total loans	$21,423,000	6,774
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7381%	5,661
Cost of funding earning assets	1.3556%	3,536
Net interest margin	3.3824%	5,697
Noninterest income to average assets	0.6850%	2,935
Noninterest expense to average assets	2.8228%	4,511
Loan and lease loss provision to assets	0.0424%	6,740
Net operating income to assets	0.7868%	2,859
Return on assets (ROA)	0.7868%	2,985
Pretax return on assets	1.0477%	2,782
Return on Equity (ROE)	5.7905%	3,704
Retained earnings to average equity (ytd only)	1.7169%	4,654
Net charge-offs to loans	0.8058%	2,620
Credit loss provision to net charge-offs	12.1951%	6,600
Earnings coverage of net charge-offs (x)	3.1341%	3,505
Efficiency ratio	72.1409%	3,769
Assets per employee ($millions)	2.4057%	7,125
Cash dividends to net income (ytd only)*	70.3504%	1,194
Condition Ratios (%)
Loss allowance to loans	0.8077%	6,951
Loan loss allowance to noncurrent loans	168.2692%	1,779
Noncurrent assets plus other real estate owned to assets	0.2275%	6,662
Noncurrent loans to loans	0.4800%	6,077
Net loans and leases to total assets	47.0180%	6,476
Net loans and leases to deposits	55.5797%	6,476
Net loans and leases to core deposits	57.6893%	6,587
Total domestic deposits to total assets	84.5957%	4,059
Equity capital to assets	14.0260%	1,030
Core capital (leverage) ratio	13.4264%	995
Tier 1 risk-based capital ratio	28.3119%	583
Total risk-based capital ratio	29.0951%	605
Memoranda:
Average total assets	$47,152,200	6,632
Average earning assets	$44,997,000	6,539
Average equity	$6,407,000	6,232
Average total loans	$20,352,400	6,906
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7286%	5,918
Cost of funding earning assets	1.3960%	3,610
Net interest margin	3.3326%	5,918
Noninterest income to average assets	0.6679%	3,024
Noninterest expense to average assets	2.6546%	5,091
Loan and lease loss provision to assets	0.0421%	6,666
Net operating income to assets	0.8559%	2,793
Return on assets (ROA)	0.8559%	2,924
Pretax return on assets	1.1533%	2,662
Return on Equity (ROE)	6.3481%	3,654
Retained earnings to average equity (ytd only)	0.9159%	5,437
Net charge-offs to loans	0.0932%	5,596
Credit loss provision to net charge-offs	107.1429%	3,982
Earnings coverage of net charge-offs (x)	30.4226%	877
Efficiency ratio	68.9504%	4,275
Assets per employee ($millions)	2.4084%	7,190
Cash dividends to net income (ytd only)*	85.5727%	527
Condition Ratios (%)
Loss allowance to loans	1.4597%	4,156
Loan loss allowance to noncurrent loans	123.0769%	2,293
Noncurrent assets plus other real estate owned to assets	0.6993%	5,716
Noncurrent loans to loans	1.1860%	4,869
Net loans and leases to total assets	47.2082%	6,591
Net loans and leases to deposits	56.4271%	6,585
Net loans and leases to core deposits	58.5801%	6,698
Total domestic deposits to total assets	83.6622%	4,289
Equity capital to assets	14.5939%	995
Core capital (leverage) ratio	13.2563%	1,130
Tier 1 risk-based capital ratio	27.6395%	651
Total risk-based capital ratio	28.9327%	634
Memoranda:
Average total assets	$47,513,250	6,699
Average earning assets	$45,368,250	6,609
Average equity	$6,406,000	6,320
Average total loans	$20,024,000	7,009
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6862%	6,186
Cost of funding earning assets	1.4489%	3,562
Net interest margin	3.2373%	6,199
Noninterest income to average assets	0.6528%	2,996
Noninterest expense to average assets	2.6155%	5,262
Loan and lease loss provision to assets	0.0416%	6,557
Net operating income to assets	0.8150%	2,899
Return on assets (ROA)	0.8150%	3,046
Pretax return on assets	1.0894%	2,813
Return on Equity (ROE)	6.2071%	3,691
Retained earnings to average equity (ytd only)	-2.0585%	6,153
Net charge-offs to loans	0.1650%	4,624
Credit loss provision to net charge-offs	62.5000%	5,146
Earnings coverage of net charge-offs (x)	17.0000%	1,371
Efficiency ratio	69.8113%	4,221
Assets per employee ($millions)	2.6534%	6,854
Cash dividends to net income (ytd only)*	133.1633%	225
Condition Ratios (%)
Loss allowance to loans	1.6003%	3,445
Loan loss allowance to noncurrent loans	1,006.4516%	336
Noncurrent assets plus other real estate owned to assets	0.1905%	6,917
Noncurrent loans to loans	0.1590%	6,945
Net loans and leases to total assets	40.1658%	7,156
Net loans and leases to deposits	47.4253%	7,190
Net loans and leases to core deposits	48.8142%	7,258
Total domestic deposits to total assets	84.6929%	3,775
Equity capital to assets	13.5149%	1,341
Core capital (leverage) ratio	13.1644%	1,151
Tier 1 risk-based capital ratio	29.8989%	511
Total risk-based capital ratio	31.1917%	500
Memoranda:
Average total assets	$48,098,000	6,723
Average earning assets	$45,964,670	6,638
Average equity	$6,315,330	6,368
Average total loans	$19,391,330	7,101
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7845%	5,948
Cost of funding earning assets	1.5255%	3,399
Net interest margin	3.2590%	6,100
Noninterest income to average assets	0.5967%	3,294
Noninterest expense to average assets	2.5194%	5,662
Loan and lease loss provision to assets	0.0414%	6,259
Net operating income to assets	0.8536%	2,739
Return on assets (ROA)	0.8536%	2,829
Pretax return on assets	1.1519%	2,547
Return on Equity (ROE)	6.5967%	3,573
Retained earnings to average equity (ytd only)	-10.1193%	6,974
Net charge-offs to loans	0.2275%	3,555
Credit loss provision to net charge-offs	45.4545%	4,546
Earnings coverage of net charge-offs (x)	13.0909%	1,522
Efficiency ratio	67.8571%	4,747
Assets per employee ($millions)	2.6087%	7,025
Cash dividends to net income (ytd only)*	253.3981%	123
Condition Ratios (%)
Loss allowance to loans	1.6389%	3,295
Loan loss allowance to noncurrent loans	1,159.2593%	295
Noncurrent assets plus other real estate owned to assets	0.1938%	6,983
Noncurrent loans to loans	0.1414%	7,051
Net loans and leases to total assets	40.0055%	7,250
Net loans and leases to deposits	47.0566%	7,279
Net loans and leases to core deposits	48.0668%	7,359
Total domestic deposits to total assets	85.0158%	3,672
Equity capital to assets	13.2209%	1,436
Core capital (leverage) ratio	12.7180%	1,319
Tier 1 risk-based capital ratio	28.6369%	593
Total risk-based capital ratio	29.9319%	582
Memoranda:
Average total assets	$48,266,000	6,790
Average earning assets	$46,149,500	6,700
Average equity	$6,245,500	6,431
Average total loans	$19,339,000	7,193
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2567%	5,376
Cost of funding earning assets	1.8629%	3,657
Net interest margin	3.3937%	5,392
Noninterest income to average assets	0.7024%	2,954
Noninterest expense to average assets	2.5492%	5,955
Loan and lease loss provision to assets	0.0404%	7,146
Net operating income to assets	0.8960%	2,188
Return on assets (ROA)	0.9285%	2,143
Pretax return on assets	1.2716%	1,776
Return on Equity (ROE)	7.3626%	2,636
Retained earnings to average equity (ytd only)	3.0411%	3,034
Net charge-offs to loans	0.1634%	5,646
Credit loss provision to net charge-offs	62.5000%	6,605
Earnings coverage of net charge-offs (x)	19.6250%	1,071
Efficiency ratio	66.7901%	5,227
Assets per employee ($millions)	2.7542%	6,745
Cash dividends to net income (ytd only)*	58.6957%	2,062
Condition Ratios (%)
Loss allowance to loans	1.6292%	3,168
Loan loss allowance to noncurrent loans	911.4286%	392
Noncurrent assets plus other real estate owned to assets	0.1997%	6,961
Noncurrent loans to loans	0.1788%	6,976
Net loans and leases to total assets	38.8515%	7,412
Net loans and leases to deposits	45.2699%	7,472
Net loans and leases to core deposits	56.7769%	7,379
Total domestic deposits to total assets	85.8218%	3,100
Equity capital to assets	12.6735%	1,661
Core capital (leverage) ratio	12.5277%	1,442
Tier 1 risk-based capital ratio	28.2398%	623
Total risk-based capital ratio	29.5344%	604
Memoranda:
Average total assets	$49,544,800	6,730
Average earning assets	$45,466,000	6,699
Average equity	$6,247,800	6,514
Average total loans	$19,582,000	7,221
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3332%	5,255
Cost of funding earning assets	1.9240%	3,755
Net interest margin	3.4092%	5,223
Noninterest income to average assets	0.7267%	2,842
Noninterest expense to average assets	2.4735%	6,163
Loan and lease loss provision to assets	0.0404%	6,963
Net operating income to assets	0.9478%	2,240
Return on assets (ROA)	0.9905%	2,155
Pretax return on assets	1.3673%	1,777
Return on Equity (ROE)	7.8642%	2,704
Retained earnings to average equity (ytd only)	2.0942%	4,157
Net charge-offs to loans	0.0681%	6,010
Credit loss provision to net charge-offs	150.0000%	3,196
Earnings coverage of net charge-offs (x)	50.1110%	633
Efficiency ratio	64.7183%	5,612
Assets per employee ($millions)	2.9626%	6,261
Cash dividends to net income (ytd only)*	73.3700%	1,157
Condition Ratios (%)
Loss allowance to loans	1.7201%	2,547
Loan loss allowance to noncurrent loans	210.0000%	1,411
Noncurrent assets plus other real estate owned to assets	0.3256%	6,666
Noncurrent loans to loans	0.8191%	5,661
Net loans and leases to total assets	38.1177%	7,546
Net loans and leases to deposits	44.4295%	7,609
Net loans and leases to core deposits	55.0212%	7,573
Total domestic deposits to total assets	85.7937%	2,805
Equity capital to assets	12.5504%	1,918
Core capital (leverage) ratio	12.0618%	1,776
Tier 1 risk-based capital ratio	28.2024%	676
Total risk-based capital ratio	29.4686%	658
Memoranda:
Average total assets	$49,537,000	6,777
Average earning assets	$44,975,250	6,779
Average equity	$6,239,000	6,578
Average total loans	$19,582,500	7,283
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4851%	4,715
Cost of funding earning assets	1.9880%	3,834
Net interest margin	3.4972%	4,810
Noninterest income to average assets	0.7998%	2,412
Noninterest expense to average assets	2.3913%	6,493
Loan and lease loss provision to assets	0.0406%	6,829
Net operating income to assets	1.0603%	1,914
Return on assets (ROA)	1.1246%	1,765
Pretax return on assets	1.5712%	1,274
Return on Equity (ROE)	8.9187%	2,392
Retained earnings to average equity (ytd only)	0.2254%	5,124
Net charge-offs to loans	0.0102%	6,423
Credit loss provision to net charge-offs	1,000.0000%	481
Earnings coverage of net charge-offs (x)	375.0000%	100
Efficiency ratio	61.0996%	6,383
Assets per employee ($millions)	2.5964%	7,059
Cash dividends to net income (ytd only)*	97.4729%	752
Condition Ratios (%)
Loss allowance to loans	1.7937%	2,063
Loan loss allowance to noncurrent loans	357.8947%	885
Noncurrent assets plus other real estate owned to assets	0.2007%	7,015
Noncurrent loans to loans	0.5012%	6,270
Net loans and leases to total assets	37.7341%	7,647
Net loans and leases to deposits	43.9313%	7,702
Net loans and leases to core deposits	54.4888%	7,647
Total domestic deposits to total assets	85.8935%	2,840
Equity capital to assets	12.3632%	2,002
Core capital (leverage) ratio	12.2449%	1,722
Tier 1 risk-based capital ratio	28.7723%	675
Total risk-based capital ratio	30.0739%	660
Memoranda:
Average total assets	$49,261,000	6,861
Average earning assets	$43,864,000	6,888
Average equity	$6,211,670	6,637
Average total loans	$19,598,670	7,351
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5600%	4,585
Cost of funding earning assets	1.9838%	4,212
Net interest margin	3.5763%	4,423
Noninterest income to average assets	1.0239%	1,417
Noninterest expense to average assets	2.2915%	6,566
Loan and lease loss provision to assets	0.0406%	6,459
Net operating income to assets	1.3213%	1,335
Return on assets (ROA)	1.4464%	1,124
Pretax return on assets	2.0640%	582
Return on Equity (ROE)	11.3593%	1,858
Retained earnings to average equity (ytd only)	-5.8711%	6,667
Net charge-offs to loans	0.0000%	5,728
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	54.3353%	7,187
Assets per employee ($millions)	2.7900%	6,671
Cash dividends to net income (ytd only)*	151.6854%	463
Condition Ratios (%)
Loss allowance to loans	1.7445%	1,997
Loan loss allowance to noncurrent loans	342.8571%	999
Noncurrent assets plus other real estate owned to assets	0.2031%	6,916
Noncurrent loans to loans	0.5088%	6,155
Net loans and leases to total assets	37.6822%	7,670
Net loans and leases to deposits	43.9143%	7,728
Net loans and leases to core deposits	53.5166%	7,690
Total domestic deposits to total assets	85.8084%	2,821
Equity capital to assets	12.3278%	2,066
Core capital (leverage) ratio	12.3005%	1,760
Tier 1 risk-based capital ratio	28.7062%	705
Total risk-based capital ratio	30.0073%	686
Memoranda:
Average total assets	$49,225,500	6,899
Average earning assets	$43,956,500	6,935
Average equity	$6,268,000	6,665
Average total loans	$19,920,500	7,365
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7419%	6,630
Cost of funding earning assets	2.4454%	4,504
Net interest margin	3.2966%	6,049
Noninterest income to average assets	0.5957%	3,864
Noninterest expense to average assets	2.3869%	6,439
Loan and lease loss provision to assets	0.0000%	7,334
Net operating income to assets	0.9654%	2,720
Return on assets (ROA)	0.9654%	2,597
Pretax return on assets	1.3352%	2,185
Return on Equity (ROE)	7.8714%	3,127
Retained earnings to average equity (ytd only)	5.1583%	1,928
Net charge-offs to loans	0.0861%	5,519
Credit loss provision to net charge-offs	0.0000%	6,652
Earnings coverage of net charge-offs (x)	36.1111%	1,018
Efficiency ratio	64.1280%	5,530
Assets per employee ($millions)	2.6795%	6,828
Cash dividends to net income (ytd only)*	34.4681%	3,916
Condition Ratios (%)
Loss allowance to loans	1.6083%	2,212
Loan loss allowance to noncurrent loans	209.4937%	1,867
Noncurrent assets plus other real estate owned to assets	0.3359%	6,263
Noncurrent loans to loans	0.7677%	5,114
Net loans and leases to total assets	41.9854%	7,591
Net loans and leases to deposits	49.4699%	7,651
Net loans and leases to core deposits	58.1028%	7,661
Total domestic deposits to total assets	84.8707%	2,903
Equity capital to assets	13.1554%	1,727
Core capital (leverage) ratio	12.3910%	1,793
Tier 1 risk-based capital ratio	26.8308%	839
Total risk-based capital ratio	28.1263%	818
Memoranda:
Average total assets	$48,682,600	6,835
Average earning assets	$46,169,000	6,760
Average equity	$5,971,000	6,820
Average total loans	$20,899,200	7,270