Home > First State Bank of Olmsted > Performance and Condition Ratios

First State Bank of Olmsted, Performance and Condition Ratios

Basic Info Reviews History Routing Number Locations

2024-12-31		Rank
Percentage of unprofitable institutions	0.0000%	319
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7722%	3,473
Cost of funding earning assets	1.6784%	3,002
Net interest margin	3.0939%	2,959
Noninterest income to average assets	0.3000%	3,060
Noninterest expense to average assets	2.2464%	3,002
Loan and lease loss provision to assets	0.0200%	2,766
Net operating income to assets	0.8462%	2,560
Return on assets (ROA)	0.8462%	2,571
Pretax return on assets	1.0082%	2,508
Return on Equity (ROE)	7.9500%	2,772
Retained earnings to average equity (ytd only)	6.6460%	1,570
Net charge-offs to loans	0.0000%	3,099
Credit loss provision to net charge-offs	0.0000%	2,577
Earnings coverage of net charge-offs (x)	0.0000%	2,991
Efficiency ratio	68.6706%	2,153
Assets per employee ($millions)	4.9236%	3,700
Cash dividends to net income (ytd only)*	16.3666%	3,055
Condition Ratios (%)
Loss allowance to loans	1.1102%	2,642
Loan loss allowance to noncurrent loans	76.6387%	3,202
Noncurrent assets plus other real estate owned to assets	0.8056%	896
Noncurrent loans to loans	1.4487%	675
Net loans and leases to total assets	54.9900%	3,344
Net loans and leases to deposits	61.9109%	3,448
Net loans and leases to core deposits	65.1033%	3,571
Total domestic deposits to total assets	88.8300%	1,223
Equity capital to assets	10.9378%	1,615
Core capital (leverage) ratio	11.9278%	1,465
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.5510%	495
Memoranda:
Average total assets	$72,204,600	4,026
Average earning assets	$69,233,600	3,986
Average equity	$7,688,800	3,999
Average total loans	$42,165,400	3,933
2024-09-30		Rank
Percentage of unprofitable institutions	0.0000%	305
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7345%	3,486
Cost of funding earning assets	1.6788%	2,997
Net interest margin	3.0556%	2,991
Noninterest income to average assets	0.3000%	3,043
Noninterest expense to average assets	2.1710%	3,155
Loan and lease loss provision to assets	0.0200%	2,606
Net operating income to assets	0.8766%	2,455
Return on assets (ROA)	0.8766%	2,461
Pretax return on assets	1.0474%	2,393
Return on Equity (ROE)	8.2900%	2,676
Retained earnings to average equity (ytd only)	8.2898%	1,305
Net charge-offs to loans	0.0000%	2,849
Credit loss provision to net charge-offs	0.0000%	2,285
Earnings coverage of net charge-offs (x)	0.0000%	2,734
Efficiency ratio	67.1068%	2,361
Assets per employee ($millions)	4.9356%	3,688
Cash dividends to net income (ytd only)*	0.0000%	3,021
Condition Ratios (%)
Loss allowance to loans	1.0759%	2,873
Loan loss allowance to noncurrent loans	60.6952%	3,444
Noncurrent assets plus other real estate owned to assets	1.0103%	658
Noncurrent loans to loans	1.7727%	476
Net loans and leases to total assets	56.3800%	3,231
Net loans and leases to deposits	63.4859%	3,395
Net loans and leases to core deposits	66.7167%	3,537
Total domestic deposits to total assets	88.8100%	969
Equity capital to assets	10.9909%	1,736
Core capital (leverage) ratio	10.6274%	2,305
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	20.3426%	651
Memoranda:
Average total assets	$71,792,250	4,050
Average earning assets	$68,855,250	4,009
Average equity	$7,591,500	4,023
Average total loans	$42,438,750	3,941
2024-06-30		Rank
Percentage of unprofitable institutions	0.0000%	306
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7048%	3,465
Cost of funding earning assets	1.6321%	3,012
Net interest margin	3.0727%	2,906
Noninterest income to average assets	0.2900%	3,062
Noninterest expense to average assets	2.1845%	3,116
Loan and lease loss provision to assets	0.0200%	2,508
Net operating income to assets	0.8614%	2,413
Return on assets (ROA)	0.8614%	2,428
Pretax return on assets	1.0247%	2,404
Return on Equity (ROE)	8.2600%	2,674
Retained earnings to average equity (ytd only)	8.2595%	1,296
Net charge-offs to loans	0.0000%	2,619
Credit loss provision to net charge-offs	0.0000%	2,036
Earnings coverage of net charge-offs (x)	0.0000%	2,538
Efficiency ratio	67.7138%	2,363
Assets per employee ($millions)	4.8401%	3,720
Cash dividends to net income (ytd only)*	0.0000%	2,897
Condition Ratios (%)
Loss allowance to loans	1.0282%	3,136
Loan loss allowance to noncurrent loans	141.8239%	2,720
Noncurrent assets plus other real estate owned to assets	0.4380%	1,483
Noncurrent loans to loans	0.7250%	1,291
Net loans and leases to total assets	59.8000%	2,976
Net loans and leases to deposits	66.9313%	3,203
Net loans and leases to core deposits	70.3671%	3,355
Total domestic deposits to total assets	89.3400%	901
Equity capital to assets	10.4861%	1,810
Core capital (leverage) ratio	10.0033%	2,804
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.7809%	959
Memoranda:
Average total assets	$71,045,000	4,071
Average earning assets	$67,888,333	4,034
Average equity	$7,409,667	4,036
Average total loans	$42,519,667	3,954
2024-03-31		Rank
Percentage of unprofitable institutions	0.0000%	11
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6325%	3,467
Cost of funding earning assets	1.6077%	2,967
Net interest margin	3.0248%	2,936
Noninterest income to average assets	0.3000%	2,941
Noninterest expense to average assets	2.1973%	3,082
Loan and lease loss provision to assets	0.0200%	2,205
Net operating income to assets	0.8368%	2,427
Return on assets (ROA)	0.8368%	2,440
Pretax return on assets	0.9791%	2,439
Return on Equity (ROE)	8.0500%	2,678
Retained earnings to average equity (ytd only)	8.0460%	1,538
Net charge-offs to loans	0.0000%	2,236
Credit loss provision to net charge-offs	0.0000%	1,619
Earnings coverage of net charge-offs (x)	0.0000%	2,130
Efficiency ratio	68.8057%	2,292
Assets per employee ($millions)	4.7814%	3,791
Cash dividends to net income (ytd only)*	0.0000%	2,272
Condition Ratios (%)
Loss allowance to loans	1.0604%	3,001
Loan loss allowance to noncurrent loans	235.7895%	2,226
Noncurrent assets plus other real estate owned to assets	0.2649%	2,038
Noncurrent loans to loans	0.4497%	1,802
Net loans and leases to total assets	58.2800%	3,033
Net loans and leases to deposits	65.1558%	3,226
Net loans and leases to core deposits	67.6879%	3,445
Total domestic deposits to total assets	89.4500%	973
Equity capital to assets	10.2731%	1,854
Core capital (leverage) ratio	9.8133%	2,928
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.9647%	936
Memoranda:
Average total assets	$70,267,000	4,099
Average earning assets	$67,178,000	4,065
Average equity	$7,308,000	4,063
Average total loans	$41,847,500	3,981
2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2528%	3,519
Cost of funding earning assets	1.3350%	2,409
Net interest margin	2.9178%	3,443
Noninterest income to average assets	0.2800%	3,252
Noninterest expense to average assets	2.2209%	3,073
Loan and lease loss provision to assets	0.0200%	2,739
Net operating income to assets	0.6968%	3,205
Return on assets (ROA)	0.6968%	3,175
Pretax return on assets	0.8243%	3,156
Return on Equity (ROE)	7.0600%	3,265
Retained earnings to average equity (ytd only)	5.5901%	2,381
Net charge-offs to loans	0.0000%	2,917
Credit loss provision to net charge-offs	0.0000%	2,397
Earnings coverage of net charge-offs (x)	0.0000%	2,831
Efficiency ratio	72.5166%	1,613
Assets per employee ($millions)	4.5875%	3,896
Cash dividends to net income (ytd only)*	20.7900%	2,910
Condition Ratios (%)
Loss allowance to loans	1.0737%	2,964
Loan loss allowance to noncurrent loans	201.3575%	2,505
Noncurrent assets plus other real estate owned to assets	0.3212%	1,660
Noncurrent loans to loans	0.5332%	1,460
Net loans and leases to total assets	59.5800%	2,882
Net loans and leases to deposits	66.7687%	3,126
Net loans and leases to core deposits	69.4574%	3,338
Total domestic deposits to total assets	89.2400%	991
Equity capital to assets	10.5329%	1,709
Core capital (leverage) ratio	9.8750%	2,908
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	18.1399%	891
Memoranda:
Average total assets	$69,025,600	4,121
Average earning assets	$65,768,400	4,079
Average equity	$6,815,600	4,068
Average total loans	$40,349,400	3,991
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1655%	3,529
Cost of funding earning assets	1.2744%	2,214
Net interest margin	2.8911%	3,569
Noninterest income to average assets	0.2800%	3,257
Noninterest expense to average assets	2.1501%	3,213
Loan and lease loss provision to assets	0.0200%	2,562
Net operating income to assets	0.7257%	3,241
Return on assets (ROA)	0.7257%	3,228
Pretax return on assets	0.8666%	3,186
Return on Equity (ROE)	7.4700%	3,318
Retained earnings to average equity (ytd only)	7.4740%	2,150
Net charge-offs to loans	0.0000%	2,666
Credit loss provision to net charge-offs	0.0000%	2,098
Earnings coverage of net charge-offs (x)	0.0000%	2,572
Efficiency ratio	70.8651%	1,693
Assets per employee ($millions)	4.8652%	3,699
Cash dividends to net income (ytd only)*	0.0000%	3,002
Condition Ratios (%)
Loss allowance to loans	1.0881%	2,920
Loan loss allowance to noncurrent loans	76.6031%	3,413
Noncurrent assets plus other real estate owned to assets	0.8471%	652
Noncurrent loans to loans	1.4205%	523
Net loans and leases to total assets	58.9900%	2,942
Net loans and leases to deposits	65.6815%	3,153
Net loans and leases to core deposits	68.0602%	3,317
Total domestic deposits to total assets	89.8100%	987
Equity capital to assets	9.9996%	1,833
Core capital (leverage) ratio	8.9450%	3,825
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.8495%	1,126
Memoranda:
Average total assets	$69,078,750	4,135
Average earning assets	$65,809,000	4,102
Average equity	$6,707,500	4,081
Average total loans	$40,075,500	4,000
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0620%	3,564
Cost of funding earning assets	1.1437%	2,151
Net interest margin	2.9183%	3,612
Noninterest income to average assets	0.2800%	3,229
Noninterest expense to average assets	2.1412%	3,241
Loan and lease loss provision to assets	0.0200%	2,476
Net operating income to assets	0.7493%	3,218
Return on assets (ROA)	0.7493%	3,239
Pretax return on assets	0.8962%	3,169
Return on Equity (ROE)	7.7900%	3,289
Retained earnings to average equity (ytd only)	7.7926%	2,037
Net charge-offs to loans	0.0000%	2,455
Credit loss provision to net charge-offs	0.0000%	1,862
Earnings coverage of net charge-offs (x)	0.0000%	2,403
Efficiency ratio	70.0943%	1,755
Assets per employee ($millions)	4.7169%	3,812
Cash dividends to net income (ytd only)*	0.0000%	2,909
Condition Ratios (%)
Loss allowance to loans	1.0782%	3,046
Loan loss allowance to noncurrent loans	219.5000%	2,492
Noncurrent assets plus other real estate owned to assets	0.2827%	1,789
Noncurrent loans to loans	0.4912%	1,487
Net loans and leases to total assets	56.9300%	3,054
Net loans and leases to deposits	63.0945%	3,248
Net loans and leases to core deposits	65.6779%	3,368
Total domestic deposits to total assets	90.2200%	862
Equity capital to assets	9.5954%	2,096
Core capital (leverage) ratio	8.9054%	3,852
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.5365%	1,209
Memoranda:
Average total assets	$69,400,667	4,153
Average earning assets	$65,927,667	4,120
Average equity	$6,673,000	4,111
Average total loans	$39,894,000	4,015
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9570%	3,540
Cost of funding earning assets	0.9984%	2,055
Net interest margin	2.9586%	3,679
Noninterest income to average assets	0.3000%	3,072
Noninterest expense to average assets	2.1011%	3,379
Loan and lease loss provision to assets	0.0200%	2,260
Net operating income to assets	0.8090%	3,166
Return on assets (ROA)	0.8090%	3,120
Pretax return on assets	0.9953%	3,011
Return on Equity (ROE)	8.4100%	3,198
Retained earnings to average equity (ytd only)	8.4051%	2,114
Net charge-offs to loans	0.0000%	2,062
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	67.4766%	2,040
Assets per employee ($millions)	4.7063%	3,883
Cash dividends to net income (ytd only)*	0.0000%	2,306
Condition Ratios (%)
Loss allowance to loans	1.0889%	3,109
Loan loss allowance to noncurrent loans	396.3636%	1,898
Noncurrent assets plus other real estate owned to assets	0.1558%	2,413
Noncurrent loans to loans	0.2747%	2,162
Net loans and leases to total assets	56.1000%	3,035
Net loans and leases to deposits	62.2149%	3,214
Net loans and leases to core deposits	65.5891%	3,259
Total domestic deposits to total assets	90.1800%	1,092
Equity capital to assets	9.5476%	2,105
Core capital (leverage) ratio	8.9960%	3,746
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.7556%	1,197
Memoranda:
Average total assets	$68,724,500	4,214
Average earning assets	$65,301,500	4,181
Average equity	$6,615,000	4,170
Average total loans	$39,483,000	4,076
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5809%	2,853
Cost of funding earning assets	0.4918%	1,454
Net interest margin	3.0891%	3,205
Noninterest income to average assets	0.2600%	3,579
Noninterest expense to average assets	2.2824%	2,797
Loan and lease loss provision to assets	0.0400%	2,129
Net operating income to assets	0.7776%	3,405
Return on assets (ROA)	0.7776%	3,342
Pretax return on assets	0.8736%	3,423
Return on Equity (ROE)	7.7500%	3,446
Retained earnings to average equity (ytd only)	5.8319%	2,706
Net charge-offs to loans	0.0000%	2,620
Credit loss provision to net charge-offs	0.0000%	1,979
Earnings coverage of net charge-offs (x)	0.0000%	2,564
Efficiency ratio	71.3823%	1,514
Assets per employee ($millions)	4.4570%	4,064
Cash dividends to net income (ytd only)*	24.7148%	2,682
Condition Ratios (%)
Loss allowance to loans	1.1124%	2,837
Loan loss allowance to noncurrent loans	109.6203%	3,267
Noncurrent assets plus other real estate owned to assets	0.5908%	847
Noncurrent loans to loans	1.0148%	714
Net loans and leases to total assets	57.5700%	2,862
Net loans and leases to deposits	63.9215%	3,051
Net loans and leases to core deposits	66.8107%	3,078
Total domestic deposits to total assets	90.0700%	1,333
Equity capital to assets	9.7076%	1,883
Core capital (leverage) ratio	8.7448%	3,920
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.5789%	1,214
Memoranda:
Average total assets	$67,647,600	4,251
Average earning assets	$64,257,800	4,216
Average equity	$6,790,200	4,242
Average total loans	$38,553,600	4,091
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4801%	2,684
Cost of funding earning assets	0.4035%	1,265
Net interest margin	3.0766%	2,998
Noninterest income to average assets	0.2600%	3,611
Noninterest expense to average assets	2.2364%	2,830
Loan and lease loss provision to assets	0.0400%	1,932
Net operating income to assets	0.8215%	3,169
Return on assets (ROA)	0.8215%	3,132
Pretax return on assets	0.9001%	3,310
Return on Equity (ROE)	8.1200%	3,292
Retained earnings to average equity (ytd only)	8.1180%	1,959
Net charge-offs to loans	0.0000%	2,349
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	0.0000%	2,297
Efficiency ratio	70.3337%	1,720
Assets per employee ($millions)	4.5626%	4,009
Cash dividends to net income (ytd only)*	0.0000%	3,071
Condition Ratios (%)
Loss allowance to loans	1.0835%	3,090
Loan loss allowance to noncurrent loans	296.5278%	2,194
Noncurrent assets plus other real estate owned to assets	0.2689%	1,879
Noncurrent loans to loans	0.3654%	1,929
Net loans and leases to total assets	56.9600%	2,802
Net loans and leases to deposits	62.8712%	2,957
Net loans and leases to core deposits	66.4621%	2,918
Total domestic deposits to total assets	90.6000%	1,405
Equity capital to assets	9.2389%	2,045
Core capital (leverage) ratio	10.2865%	2,295
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.0693%	852
Memoranda:
Average total assets	$67,845,750	4,280
Average earning assets	$64,441,500	4,242
Average equity	$6,865,250	4,276
Average total loans	$38,461,000	4,113
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3931%	2,461
Cost of funding earning assets	0.3430%	1,335
Net interest margin	3.0500%	2,721
Noninterest income to average assets	0.2543%	3,647
Noninterest expense to average assets	2.3031%	2,543
Loan and lease loss provision to assets	0.0473%	1,719
Net operating income to assets	0.7066%	3,293
Return on assets (ROA)	0.7066%	3,241
Pretax return on assets	0.7953%	3,343
Return on Equity (ROE)	6.7840%	3,368
Retained earnings to average equity (ytd only)	6.7840%	2,060
Net charge-offs to loans	0.0000%	2,156
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	73.2143%	1,597
Assets per employee ($millions)	4.3349%	4,186
Cash dividends to net income (ytd only)*	0.0000%	2,927
Condition Ratios (%)
Loss allowance to loans	1.0971%	3,175
Loan loss allowance to noncurrent loans	137.1336%	3,106
Noncurrent assets plus other real estate owned to assets	0.5003%	1,141
Noncurrent loans to loans	0.8000%	1,071
Net loans and leases to total assets	54.7219%	2,887
Net loans and leases to deposits	60.6759%	3,008
Net loans and leases to core deposits	61.2329%	3,182
Total domestic deposits to total assets	90.1871%	1,635
Equity capital to assets	9.6716%	1,897
Core capital (leverage) ratio	10.4854%	1,957
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	20.0561%	710
Memoranda:
Average total assets	$67,648,000	4,327
Average earning assets	$64,131,000	4,301
Average equity	$7,046,000	4,315
Average total loans	$38,145,000	4,173
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3255%	2,307
Cost of funding earning assets	0.3237%	1,425
Net interest margin	3.0018%	2,497
Noninterest income to average assets	0.2635%	3,549
Noninterest expense to average assets	2.2278%	2,750
Loan and lease loss provision to assets	0.0539%	1,416
Net operating income to assets	0.6767%	3,136
Return on assets (ROA)	0.6767%	3,122
Pretax return on assets	0.8145%	3,063
Return on Equity (ROE)	6.2647%	3,264
Retained earnings to average equity (ytd only)	6.2647%	2,150
Net charge-offs to loans	0.0000%	1,838
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	71.9536%	1,979
Assets per employee ($millions)	4.0861%	4,371
Cash dividends to net income (ytd only)*	0.0000%	2,254
Condition Ratios (%)
Loss allowance to loans	1.0898%	3,367
Loan loss allowance to noncurrent loans	131.0127%	3,107
Noncurrent assets plus other real estate owned to assets	0.5125%	1,170
Noncurrent loans to loans	0.8318%	1,126
Net loans and leases to total assets	54.0921%	2,748
Net loans and leases to deposits	61.3223%	2,772
Net loans and leases to core deposits	61.8961%	2,977
Total domestic deposits to total assets	88.2096%	2,424
Equity capital to assets	9.9852%	1,898
Core capital (leverage) ratio	10.9424%	1,548
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	20.3785%	709
Memoranda:
Average total assets	$66,793,000	4,356
Average earning assets	$63,028,500	4,336
Average equity	$7,215,000	4,345
Average total loans	$38,030,000	4,189
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6396%	2,284
Cost of funding earning assets	0.3698%	1,756
Net interest margin	3.2698%	2,410
Noninterest income to average assets	0.2939%	3,639
Noninterest expense to average assets	2.3512%	2,654
Loan and lease loss provision to assets	0.0560%	1,928
Net operating income to assets	0.9346%	2,923
Return on assets (ROA)	0.9346%	2,988
Pretax return on assets	1.0217%	3,194
Return on Equity (ROE)	8.0464%	3,206
Retained earnings to average equity (ytd only)	6.0649%	2,333
Net charge-offs to loans	0.0000%	2,705
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	68.5714%	1,911
Assets per employee ($millions)	3.7719%	4,505
Cash dividends to net income (ytd only)*	24.6256%	2,809
Condition Ratios (%)
Loss allowance to loans	1.0638%	3,506
Loan loss allowance to noncurrent loans	127.7603%	3,149
Noncurrent assets plus other real estate owned to assets	0.5926%	1,114
Noncurrent loans to loans	0.8326%	1,221
Net loans and leases to total assets	58.7418%	2,304
Net loans and leases to deposits	67.9615%	2,314
Net loans and leases to core deposits	68.6627%	2,591
Total domestic deposits to total assets	86.4339%	2,744
Equity capital to assets	11.6869%	1,401
Core capital (leverage) ratio	11.8132%	1,162
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.2235%	541
Memoranda:
Average total assets	$64,307,600	4,399
Average earning assets	$61,655,200	4,368
Average equity	$7,469,200	4,383
Average total loans	$37,735,000	4,237
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6865%	2,313
Cost of funding earning assets	0.3760%	1,891
Net interest margin	3.3105%	2,391
Noninterest income to average assets	0.2921%	3,701
Noninterest expense to average assets	2.2417%	2,922
Loan and lease loss provision to assets	0.0559%	1,865
Net operating income to assets	1.1001%	2,554
Return on assets (ROA)	1.1001%	2,612
Pretax return on assets	1.1685%	3,024
Return on Equity (ROE)	9.4866%	2,938
Retained earnings to average equity (ytd only)	9.4866%	1,495
Net charge-offs to loans	0.0000%	2,463
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	64.6742%	2,288
Assets per employee ($millions)	3.8375%	4,528
Cash dividends to net income (ytd only)*	0.0000%	3,236
Condition Ratios (%)
Loss allowance to loans	1.0563%	3,636
Loan loss allowance to noncurrent loans	582.3529%	1,221
Noncurrent assets plus other real estate owned to assets	0.1809%	2,903
Noncurrent loans to loans	0.1814%	3,223
Net loans and leases to total assets	56.8595%	2,630
Net loans and leases to deposits	65.8758%	2,637
Net loans and leases to core deposits	66.5423%	2,910
Total domestic deposits to total assets	86.3132%	2,632
Equity capital to assets	11.7999%	1,490
Core capital (leverage) ratio	11.7983%	1,237
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.9605%	605
Memoranda:
Average total assets	$64,353,750	4,461
Average earning assets	$61,701,750	4,423
Average equity	$7,463,000	4,444
Average total loans	$37,650,750	4,295
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7723%	2,140
Cost of funding earning assets	0.3847%	2,015
Net interest margin	3.3876%	2,178
Noninterest income to average assets	0.3091%	3,577
Noninterest expense to average assets	2.2230%	3,005
Loan and lease loss provision to assets	0.0562%	1,907
Net operating income to assets	1.2051%	2,174
Return on assets (ROA)	1.2051%	2,245
Pretax return on assets	1.2738%	2,698
Return on Equity (ROE)	10.4541%	2,600
Retained earnings to average equity (ytd only)	10.4541%	1,269
Net charge-offs to loans	0.0000%	2,245
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	62.5659%	2,651
Assets per employee ($millions)	3.8489%	4,527
Cash dividends to net income (ytd only)*	0.0000%	3,087
Condition Ratios (%)
Loss allowance to loans	1.0519%	3,613
Loan loss allowance to noncurrent loans	368.5714%	1,622
Noncurrent assets plus other real estate owned to assets	0.2369%	2,749
Noncurrent loans to loans	0.2854%	2,909
Net loans and leases to total assets	55.6349%	2,944
Net loans and leases to deposits	64.2708%	2,971
Net loans and leases to core deposits	65.2068%	3,182
Total domestic deposits to total assets	86.5631%	2,524
Equity capital to assets	11.5631%	1,593
Core capital (leverage) ratio	11.9282%	1,122
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.7795%	631
Memoranda:
Average total assets	$64,059,000	4,490
Average earning assets	$61,341,333	4,458
Average equity	$7,384,667	4,478
Average total loans	$37,704,333	4,323
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6499%	2,498
Cost of funding earning assets	0.3901%	2,175
Net interest margin	3.2597%	2,514
Noninterest income to average assets	0.3156%	3,519
Noninterest expense to average assets	2.2407%	2,972
Loan and lease loss provision to assets	0.0568%	1,979
Net operating income to assets	0.8963%	3,132
Return on assets (ROA)	0.8963%	3,214
Pretax return on assets	1.1298%	3,044
Return on Equity (ROE)	7.7872%	3,393
Retained earnings to average equity (ytd only)	7.7872%	2,319
Net charge-offs to loans	0.0000%	1,930
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	65.3775%	2,321
Assets per employee ($millions)	3.6494%	4,646
Cash dividends to net income (ytd only)*	0.0000%	2,433
Condition Ratios (%)
Loss allowance to loans	1.0240%	3,755
Loan loss allowance to noncurrent loans	1,350.0000%	526
Noncurrent assets plus other real estate owned to assets	0.1257%	3,546
Noncurrent loans to loans	0.0759%	3,916
Net loans and leases to total assets	58.8894%	2,694
Net loans and leases to deposits	67.1525%	2,793
Net loans and leases to core deposits	68.6078%	3,010
Total domestic deposits to total assets	87.6950%	1,999
Equity capital to assets	11.8117%	1,385
Core capital (leverage) ratio	11.8803%	1,218
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.2645%	650
Memoranda:
Average total assets	$63,372,500	4,515
Average earning assets	$60,495,500	4,483
Average equity	$7,294,000	4,500
Average total loans	$38,161,500	4,338
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0560%	2,563
Cost of funding earning assets	0.5885%	2,394
Net interest margin	3.4675%	2,570
Noninterest income to average assets	0.3803%	3,210
Noninterest expense to average assets	2.4627%	2,950
Loan and lease loss provision to assets	0.0503%	3,750
Net operating income to assets	0.9449%	2,503
Return on assets (ROA)	0.9449%	2,651
Pretax return on assets	1.1644%	2,459
Return on Equity (ROE)	8.0055%	2,818
Retained earnings to average equity (ytd only)	6.7990%	1,460
Net charge-offs to loans	0.0052%	3,158
Credit loss provision to net charge-offs	1,500.0000%	551
Earnings coverage of net charge-offs (x)	362.5000%	301
Efficiency ratio	66.9704%	2,368
Assets per employee ($millions)	3.8062%	4,504
Cash dividends to net income (ytd only)*	15.0709%	3,420
Condition Ratios (%)
Loss allowance to loans	0.9363%	4,086
Loan loss allowance to noncurrent loans	72.2114%	3,705
Noncurrent assets plus other real estate owned to assets	0.8670%	1,155
Noncurrent loans to loans	1.2966%	1,052
Net loans and leases to total assets	60.3369%	2,815
Net loans and leases to deposits	73.4516%	2,541
Net loans and leases to core deposits	74.7168%	2,846
Total domestic deposits to total assets	82.1451%	3,632
Equity capital to assets	11.2202%	2,082
Core capital (leverage) ratio	11.8998%	1,276
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	20.7214%	692
Memoranda:
Average total assets	$59,689,400	4,517
Average earning assets	$56,755,000	4,484
Average equity	$7,045,200	4,521
Average total loans	$38,210,600	4,350
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1818%	2,442
Cost of funding earning assets	0.6378%	2,388
Net interest margin	3.5439%	2,442
Noninterest income to average assets	0.3719%	3,223
Noninterest expense to average assets	2.4414%	3,021
Loan and lease loss provision to assets	0.0479%	3,763
Net operating income to assets	1.0085%	2,310
Return on assets (ROA)	1.0085%	2,439
Pretax return on assets	1.2549%	2,211
Return on Equity (ROE)	8.4291%	2,632
Retained earnings to average equity (ytd only)	8.4291%	1,161
Net charge-offs to loans	0.0070%	2,870
Credit loss provision to net charge-offs	1,050.0000%	801
Earnings coverage of net charge-offs (x)	285.5000%	378
Efficiency ratio	65.2041%	2,556
Assets per employee ($millions)	3.3968%	4,709
Cash dividends to net income (ytd only)*	0.0000%	3,332
Condition Ratios (%)
Loss allowance to loans	0.9209%	4,001
Loan loss allowance to noncurrent loans	146.9388%	2,737
Noncurrent assets plus other real estate owned to assets	0.4988%	2,212
Noncurrent loans to loans	0.6267%	2,229
Net loans and leases to total assets	63.3482%	2,842
Net loans and leases to deposits	78.0970%	2,525
Net loans and leases to core deposits	79.5355%	2,882
Total domestic deposits to total assets	81.1148%	3,632
Equity capital to assets	11.8460%	1,768
Core capital (leverage) ratio	12.1255%	1,277
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.9473%	791
Memoranda:
Average total assets	$58,435,500	4,549
Average earning assets	$55,605,250	4,519
Average equity	$6,991,500	4,546
Average total loans	$37,910,750	4,374
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3226%	2,415
Cost of funding earning assets	0.6796%	2,499
Net interest margin	3.6430%	2,336
Noninterest income to average assets	0.3998%	3,081
Noninterest expense to average assets	2.4369%	3,150
Loan and lease loss provision to assets	0.0417%	3,756
Net operating income to assets	1.0950%	1,986
Return on assets (ROA)	1.0950%	2,106
Pretax return on assets	1.3870%	1,754
Return on Equity (ROE)	9.1203%	2,306
Retained earnings to average equity (ytd only)	9.1203%	974
Net charge-offs to loans	0.0107%	2,569
Credit loss provision to net charge-offs	600.0000%	1,104
Earnings coverage of net charge-offs (x)	205.5000%	435
Efficiency ratio	63.0396%	2,951
Assets per employee ($millions)	3.6974%	4,549
Cash dividends to net income (ytd only)*	0.0000%	3,182
Condition Ratios (%)
Loss allowance to loans	0.9124%	3,948
Loan loss allowance to noncurrent loans	662.2642%	789
Noncurrent assets plus other real estate owned to assets	0.1798%	3,634
Noncurrent loans to loans	0.1378%	3,906
Net loans and leases to total assets	60.6475%	3,247
Net loans and leases to deposits	74.0827%	3,072
Net loans and leases to core deposits	75.3881%	3,341
Total domestic deposits to total assets	81.8646%	3,405
Equity capital to assets	11.3308%	2,104
Core capital (leverage) ratio	12.2162%	1,287
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.1323%	656
Memoranda:
Average total assets	$57,533,000	4,572
Average earning assets	$54,735,000	4,542
Average equity	$6,907,667	4,580
Average total loans	$37,516,667	4,394
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6447%	1,872
Cost of funding earning assets	0.7277%	2,793
Net interest margin	3.9170%	1,615
Noninterest income to average assets	0.3572%	3,383
Noninterest expense to average assets	2.5733%	3,070
Loan and lease loss provision to assets	0.0219%	3,532
Net operating income to assets	1.1007%	1,839
Return on assets (ROA)	1.1007%	1,939
Pretax return on assets	1.4506%	1,434
Return on Equity (ROE)	8.8817%	2,161
Retained earnings to average equity (ytd only)	8.8817%	1,005
Net charge-offs to loans	0.0000%	2,581
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	63.6036%	3,294
Assets per employee ($millions)	3.2872%	4,643
Cash dividends to net income (ytd only)*	0.0000%	2,581
Condition Ratios (%)
Loss allowance to loans	0.9249%	4,022
Loan loss allowance to noncurrent loans	120.2797%	2,951
Noncurrent assets plus other real estate owned to assets	0.6192%	2,159
Noncurrent loans to loans	0.7689%	2,077
Net loans and leases to total assets	65.9431%	2,823
Net loans and leases to deposits	75.6601%	3,102
Net loans and leases to core deposits	77.0619%	3,429
Total domestic deposits to total assets	87.1571%	1,484
Equity capital to assets	12.2595%	1,878
Core capital (leverage) ratio	12.6328%	1,374
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.3850%	710
Memoranda:
Average total assets	$54,872,000	4,628
Average earning assets	$51,672,000	4,608
Average equity	$6,800,500	4,621
Average total loans	$37,039,500	4,430
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6051%	2,591
Cost of funding earning assets	0.7121%	3,106
Net interest margin	3.8930%	2,202
Noninterest income to average assets	0.3887%	3,366
Noninterest expense to average assets	2.8748%	2,370
Loan and lease loss provision to assets	0.0231%	3,555
Net operating income to assets	0.9179%	3,133
Return on assets (ROA)	0.9179%	3,210
Pretax return on assets	1.1834%	2,898
Return on Equity (ROE)	7.2563%	3,462
Retained earnings to average equity (ytd only)	5.7351%	2,014
Net charge-offs to loans	0.0000%	3,726
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.4385%	2,106
Assets per employee ($millions)	3.1683%	4,725
Cash dividends to net income (ytd only)*	20.9644%	3,453
Condition Ratios (%)
Loss allowance to loans	0.9245%	3,862
Loan loss allowance to noncurrent loans	38.3146%	4,306
Noncurrent assets plus other real estate owned to assets	1.7638%	507
Noncurrent loans to loans	2.4130%	466
Net loans and leases to total assets	67.8469%	2,700
Net loans and leases to deposits	78.0433%	2,998
Net loans and leases to core deposits	78.5297%	3,414
Total domestic deposits to total assets	86.9349%	1,642
Equity capital to assets	12.5323%	1,798
Core capital (leverage) ratio	13.1514%	1,170
Tier 1 risk-based capital ratio	20.4558%	1,255
Total risk-based capital ratio	21.4704%	1,269
Memoranda:
Average total assets	$51,968,800	4,721
Average earning assets	$49,293,000	4,686
Average equity	$6,573,600	4,687
Average total loans	$35,608,200	4,514
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3946%	3,373
Cost of funding earning assets	0.7134%	3,139
Net interest margin	3.6812%	2,987
Noninterest income to average assets	0.3547%	3,603
Noninterest expense to average assets	2.6073%	3,149
Loan and lease loss provision to assets	0.0233%	3,433
Net operating income to assets	0.9476%	3,173
Return on assets (ROA)	0.9476%	3,249
Pretax return on assets	1.2247%	2,901
Return on Equity (ROE)	7.4736%	3,516
Retained earnings to average equity (ytd only)	7.4736%	1,637
Net charge-offs to loans	0.0000%	3,455
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.6293%	2,477
Assets per employee ($millions)	2.9938%	4,896
Cash dividends to net income (ytd only)*	0.0000%	3,563
Condition Ratios (%)
Loss allowance to loans	0.9302%	3,925
Loan loss allowance to noncurrent loans	56.3333%	4,076
Noncurrent assets plus other real estate owned to assets	1.4206%	806
Noncurrent loans to loans	1.6512%	889
Net loans and leases to total assets	70.7339%	2,370
Net loans and leases to deposits	82.0625%	2,676
Net loans and leases to core deposits	83.1658%	3,164
Total domestic deposits to total assets	86.1951%	1,906
Equity capital to assets	13.2528%	1,482
Core capital (leverage) ratio	13.3856%	1,175
Tier 1 risk-based capital ratio	20.8009%	1,215
Total risk-based capital ratio	21.8233%	1,239
Memoranda:
Average total assets	$51,495,750	4,795
Average earning assets	$48,967,750	4,761
Average equity	$6,529,500	4,753
Average total loans	$35,289,250	4,583
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4996%	3,020
Cost of funding earning assets	0.7139%	3,092
Net interest margin	3.7857%	2,631
Noninterest income to average assets	0.3946%	3,301
Noninterest expense to average assets	2.7546%	2,740
Loan and lease loss provision to assets	0.0232%	3,341
Net operating income to assets	0.9324%	3,158
Return on assets (ROA)	0.9324%	3,219
Pretax return on assets	1.2071%	2,883
Return on Equity (ROE)	7.4640%	3,514
Retained earnings to average equity (ytd only)	7.4640%	1,621
Net charge-offs to loans	0.0000%	3,172
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.1262%	2,364
Assets per employee ($millions)	3.1268%	4,823
Cash dividends to net income (ytd only)*	0.0000%	3,431
Condition Ratios (%)
Loss allowance to loans	0.9534%	3,866
Loan loss allowance to noncurrent loans	31.0761%	4,538
Noncurrent assets plus other real estate owned to assets	2.1503%	403
Noncurrent loans to loans	3.0680%	326
Net loans and leases to total assets	65.4727%	3,171
Net loans and leases to deposits	75.1858%	3,407
Net loans and leases to core deposits	77.9091%	3,588
Total domestic deposits to total assets	87.0812%	1,560
Equity capital to assets	12.4748%	1,873
Core capital (leverage) ratio	12.7793%	1,414
Tier 1 risk-based capital ratio	20.6647%	1,221
Total risk-based capital ratio	21.6862%	1,234
Memoranda:
Average total assets	$51,696,000	4,827
Average earning assets	$49,026,330	4,789
Average equity	$6,457,670	4,787
Average total loans	$34,939,670	4,627
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5106%	2,829
Cost of funding earning assets	0.6978%	3,066
Net interest margin	3.8128%	2,480
Noninterest income to average assets	0.3218%	3,710
Noninterest expense to average assets	2.7940%	2,590
Loan and lease loss provision to assets	0.0235%	3,125
Net operating income to assets	0.8398%	3,485
Return on assets (ROA)	0.8398%	3,527
Pretax return on assets	1.1066%	3,131
Return on Equity (ROE)	6.7179%	3,766
Retained earnings to average equity (ytd only)	6.7179%	2,153
Net charge-offs to loans	0.0000%	2,740
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	71.2000%	2,159
Assets per employee ($millions)	2.7867%	5,077
Cash dividends to net income (ytd only)*	0.0000%	2,768
Condition Ratios (%)
Loss allowance to loans	0.9589%	3,933
Loan loss allowance to noncurrent loans	49.8498%	4,262
Noncurrent assets plus other real estate owned to assets	1.6367%	685
Noncurrent loans to loans	1.9235%	785
Net loans and leases to total assets	68.3639%	2,706
Net loans and leases to deposits	79.0193%	2,945
Net loans and leases to core deposits	81.5060%	3,225
Total domestic deposits to total assets	86.5154%	2,059
Equity capital to assets	12.8745%	1,528
Core capital (leverage) ratio	12.6625%	1,427
Tier 1 risk-based capital ratio	20.2995%	1,285
Total risk-based capital ratio	21.3289%	1,296
Memoranda:
Average total assets	$50,966,500	4,883
Average earning assets	$48,153,000	4,855
Average equity	$6,371,000	4,831
Average total loans	$34,841,000	4,673
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3782%	2,833
Cost of funding earning assets	0.5829%	2,835
Net interest margin	3.7953%	2,674
Noninterest income to average assets	0.4242%	3,281
Noninterest expense to average assets	2.8045%	2,676
Loan and lease loss provision to assets	0.0241%	3,687
Net operating income to assets	0.8998%	3,436
Return on assets (ROA)	0.8966%	3,439
Pretax return on assets	1.1519%	3,092
Return on Equity (ROE)	7.2943%	3,734
Retained earnings to average equity (ytd only)	5.8223%	2,283
Net charge-offs to loans	0.0884%	1,894
Credit loss provision to net charge-offs	40.0000%	3,283
Earnings coverage of net charge-offs (x)	19.5667%	2,055
Efficiency ratio	70.3835%	2,123
Assets per employee ($millions)	2.8762%	5,061
Cash dividends to net income (ytd only)*	20.1794%	3,467
Condition Ratios (%)
Loss allowance to loans	0.9384%	4,000
Loan loss allowance to noncurrent loans	42.0716%	4,454
Noncurrent assets plus other real estate owned to assets	1.8099%	571
Noncurrent loans to loans	2.2306%	579
Net loans and leases to total assets	67.0807%	2,988
Net loans and leases to deposits	76.7780%	3,292
Net loans and leases to core deposits	81.5139%	3,305
Total domestic deposits to total assets	87.3696%	1,595
Equity capital to assets	12.1378%	1,794
Core capital (leverage) ratio	12.2174%	1,610
Tier 1 risk-based capital ratio	19.2898%	1,453
Total risk-based capital ratio	20.2996%	1,472
Memoranda:
Average total assets	$49,741,800	4,939
Average earning assets	$46,663,000	4,920
Average equity	$6,114,400	4,878
Average total loans	$33,938,600	4,719
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3515%	2,788
Cost of funding earning assets	0.5219%	3,045
Net interest margin	3.8295%	2,530
Noninterest income to average assets	0.4062%	3,442
Noninterest expense to average assets	2.7514%	2,807
Loan and lease loss provision to assets	0.0244%	3,532
Net operating income to assets	0.9548%	3,286
Return on assets (ROA)	0.9505%	3,315
Pretax return on assets	1.2213%	2,906
Return on Equity (ROE)	7.7073%	3,661
Retained earnings to average equity (ytd only)	7.7073%	1,789
Net charge-offs to loans	-0.0040%	4,183
Credit loss provision to net charge-offs	-900.0000%	4,611
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	68.7415%	2,397
Assets per employee ($millions)	2.9085%	5,101
Cash dividends to net income (ytd only)*	0.0000%	3,598
Condition Ratios (%)
Loss allowance to loans	1.0169%	3,658
Loan loss allowance to noncurrent loans	67.2316%	4,043
Noncurrent assets plus other real estate owned to assets	1.4016%	952
Noncurrent loans to loans	1.5125%	1,074
Net loans and leases to total assets	70.2821%	2,600
Net loans and leases to deposits	80.7768%	2,953
Net loans and leases to core deposits	86.6673%	2,946
Total domestic deposits to total assets	87.0078%	1,725
Equity capital to assets	12.5796%	1,535
Core capital (leverage) ratio	13.2201%	1,198
Tier 1 risk-based capital ratio	19.5703%	1,422
Total risk-based capital ratio	20.6786%	1,420
Memoranda:
Average total assets	$49,234,250	5,005
Average earning assets	$46,236,250	4,982
Average equity	$6,072,000	4,936
Average total loans	$33,658,750	4,777
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3129%	2,716
Cost of funding earning assets	0.5094%	2,940
Net interest margin	3.8035%	2,553
Noninterest income to average assets	0.4475%	3,168
Noninterest expense to average assets	2.7296%	2,910
Loan and lease loss provision to assets	0.0244%	3,430
Net operating income to assets	0.9926%	3,060
Return on assets (ROA)	0.9926%	3,060
Pretax return on assets	1.2774%	2,602
Return on Equity (ROE)	8.1027%	3,458
Retained earnings to average equity (ytd only)	8.1027%	1,583
Net charge-offs to loans	0.0000%	3,209
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.7094%	2,695
Assets per employee ($millions)	2.8368%	5,198
Cash dividends to net income (ytd only)*	0.0000%	3,456
Condition Ratios (%)
Loss allowance to loans	1.0490%	3,540
Loan loss allowance to noncurrent loans	57.0275%	4,287
Noncurrent assets plus other real estate owned to assets	1.6299%	778
Noncurrent loans to loans	1.8395%	846
Net loans and leases to total assets	69.0472%	2,714
Net loans and leases to deposits	79.5119%	3,000
Net loans and leases to core deposits	82.1808%	3,227
Total domestic deposits to total assets	86.8388%	1,913
Equity capital to assets	12.7631%	1,413
Core capital (leverage) ratio	12.6639%	1,359
Tier 1 risk-based capital ratio	19.8223%	1,356
Total risk-based capital ratio	20.9545%	1,348
Memoranda:
Average total assets	$49,164,000	5,061
Average earning assets	$46,326,330	5,036
Average equity	$6,022,670	5,002
Average total loans	$33,175,670	4,834
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1857%	2,927
Cost of funding earning assets	0.4944%	2,838
Net interest margin	3.6913%	2,835
Noninterest income to average assets	0.3949%	3,506
Noninterest expense to average assets	2.6998%	3,041
Loan and lease loss provision to assets	0.0242%	3,209
Net operating income to assets	0.9107%	3,247
Return on assets (ROA)	0.9107%	3,257
Pretax return on assets	1.1605%	2,935
Return on Equity (ROE)	7.5883%	3,542
Retained earnings to average equity (ytd only)	7.5883%	1,996
Net charge-offs to loans	0.0364%	1,791
Credit loss provision to net charge-offs	100.0000%	1,540
Earnings coverage of net charge-offs (x)	49.0000%	956
Efficiency ratio	69.5021%	2,578
Assets per employee ($millions)	3.1061%	5,084
Cash dividends to net income (ytd only)*	0.0000%	2,749
Condition Ratios (%)
Loss allowance to loans	1.0565%	3,618
Loan loss allowance to noncurrent loans	57.4503%	4,301
Noncurrent assets plus other real estate owned to assets	1.5514%	881
Noncurrent loans to loans	1.8391%	901
Net loans and leases to total assets	65.3869%	3,130
Net loans and leases to deposits	74.6400%	3,350
Net loans and leases to core deposits	76.4324%	3,631
Total domestic deposits to total assets	87.6031%	1,848
Equity capital to assets	12.1112%	1,707
Core capital (leverage) ratio	12.0688%	1,611
Tier 1 risk-based capital ratio	19.2457%	1,493
Total risk-based capital ratio	20.3492%	1,488
Memoranda:
Average total assets	$49,633,500	5,115
Average earning assets	$46,921,500	5,082
Average equity	$5,956,500	5,064
Average total loans	$32,938,000	4,895
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2632%	2,454
Cost of funding earning assets	0.4900%	2,423
Net interest margin	3.7732%	2,529
Noninterest income to average assets	0.4440%	3,345
Noninterest expense to average assets	2.7340%	3,018
Loan and lease loss provision to assets	0.0372%	3,525
Net operating income to assets	0.8652%	2,889
Return on assets (ROA)	0.8652%	2,911
Pretax return on assets	1.2183%	2,696
Return on Equity (ROE)	7.2655%	3,143
Retained earnings to average equity (ytd only)	5.9650%	1,559
Net charge-offs to loans	0.0216%	3,380
Credit loss provision to net charge-offs	257.1429%	1,080
Earnings coverage of net charge-offs (x)	86.8571%	719
Efficiency ratio	68.5300%	2,790
Assets per employee ($millions)	3.0981%	5,125
Cash dividends to net income (ytd only)*	17.8998%	3,735
Condition Ratios (%)
Loss allowance to loans	1.0505%	3,618
Loan loss allowance to noncurrent loans	61.3074%	4,253
Noncurrent assets plus other real estate owned to assets	1.4787%	931
Noncurrent loans to loans	1.7134%	947
Net loans and leases to total assets	65.9404%	3,107
Net loans and leases to deposits	75.3846%	3,394
Net loans and leases to core deposits	77.1970%	3,653
Total domestic deposits to total assets	87.4720%	1,779
Equity capital to assets	11.8905%	1,917
Core capital (leverage) ratio	11.9463%	1,632
Tier 1 risk-based capital ratio	19.0248%	1,501
Total risk-based capital ratio	20.1498%	1,492
Memoranda:
Average total assets	$48,426,600	5,186
Average earning assets	$45,505,600	5,161
Average equity	$5,767,000	5,139
Average total loans	$32,370,400	4,955
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2663%	2,380
Cost of funding earning assets	0.4724%	2,495
Net interest margin	3.7939%	2,425
Noninterest income to average assets	0.4514%	3,322
Noninterest expense to average assets	2.6837%	3,112
Loan and lease loss provision to assets	0.0415%	3,276
Net operating income to assets	0.9167%	2,938
Return on assets (ROA)	0.9167%	3,002
Pretax return on assets	1.2851%	2,570
Return on Equity (ROE)	7.6949%	3,294
Retained earnings to average equity (ytd only)	7.6949%	1,347
Net charge-offs to loans	-0.0166%	4,784
Credit loss provision to net charge-offs	-375.0000%	4,744
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	66.9199%	3,059
Assets per employee ($millions)	3.0713%	5,205
Cash dividends to net income (ytd only)*	0.0000%	3,680
Condition Ratios (%)
Loss allowance to loans	1.0840%	3,584
Loan loss allowance to noncurrent loans	80.4989%	3,907
Noncurrent assets plus other real estate owned to assets	1.2474%	1,305
Noncurrent loans to loans	1.3466%	1,404
Net loans and leases to total assets	65.9225%	3,114
Net loans and leases to deposits	75.5569%	3,416
Net loans and leases to core deposits	77.8539%	3,650
Total domestic deposits to total assets	87.2489%	1,753
Equity capital to assets	12.0856%	1,912
Core capital (leverage) ratio	12.1601%	1,595
Tier 1 risk-based capital ratio	18.7682%	1,655
Total risk-based capital ratio	19.9141%	1,636
Memoranda:
Average total assets	$48,141,000	5,246
Average earning assets	$45,159,500	5,223
Average equity	$5,735,250	5,201
Average total loans	$32,204,750	5,010
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0971%	2,839
Cost of funding earning assets	0.4681%	2,428
Net interest margin	3.6290%	2,917
Noninterest income to average assets	0.4434%	3,397
Noninterest expense to average assets	2.5310%	3,656
Loan and lease loss provision to assets	0.0502%	2,984
Net operating income to assets	0.9371%	2,736
Return on assets (ROA)	0.9371%	2,792
Pretax return on assets	1.2676%	2,508
Return on Equity (ROE)	7.9050%	3,083
Retained earnings to average equity (ytd only)	7.9050%	1,203
Net charge-offs to loans	-0.0125%	4,608
Credit loss provision to net charge-offs	-600.0000%	4,713
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	65.7609%	3,391
Assets per employee ($millions)	3.1447%	5,152
Cash dividends to net income (ytd only)*	0.0000%	3,521
Condition Ratios (%)
Loss allowance to loans	1.0831%	3,680
Loan loss allowance to noncurrent loans	158.3710%	2,682
Noncurrent assets plus other real estate owned to assets	0.8331%	2,129
Noncurrent loans to loans	0.6839%	2,704
Net loans and leases to total assets	67.7662%	2,846
Net loans and leases to deposits	77.8557%	3,128
Net loans and leases to core deposits	81.5210%	3,292
Total domestic deposits to total assets	87.0408%	1,931
Equity capital to assets	12.3656%	1,693
Core capital (leverage) ratio	11.8597%	1,718
Tier 1 risk-based capital ratio	18.8441%	1,624
Total risk-based capital ratio	19.9993%	1,616
Memoranda:
Average total assets	$47,807,670	5,295
Average earning assets	$44,860,670	5,271
Average equity	$5,667,330	5,243
Average total loans	$32,023,000	5,043
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1991%	2,282
Cost of funding earning assets	0.4616%	2,415
Net interest margin	3.7374%	2,364
Noninterest income to average assets	0.4571%	3,274
Noninterest expense to average assets	2.7012%	3,134
Loan and lease loss provision to assets	0.0499%	2,812
Net operating income to assets	0.9808%	2,386
Return on assets (ROA)	0.9808%	2,435
Pretax return on assets	1.2052%	2,577
Return on Equity (ROE)	8.4520%	2,698
Retained earnings to average equity (ytd only)	8.4520%	1,292
Net charge-offs to loans	0.0000%	2,943
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	68.2773%	3,155
Assets per employee ($millions)	3.2503%	5,105
Cash dividends to net income (ytd only)*	0.0000%	2,824
Condition Ratios (%)
Loss allowance to loans	1.0649%	3,905
Loan loss allowance to noncurrent loans	201.1765%	2,248
Noncurrent assets plus other real estate owned to assets	0.7015%	2,535
Noncurrent loans to loans	0.5293%	3,225
Net loans and leases to total assets	65.1700%	3,092
Net loans and leases to deposits	74.0716%	3,395
Net loans and leases to core deposits	77.3988%	3,523
Total domestic deposits to total assets	87.9825%	1,724
Equity capital to assets	11.6319%	2,088
Core capital (leverage) ratio	11.6291%	1,862
Tier 1 risk-based capital ratio	18.6955%	1,694
Total risk-based capital ratio	19.8296%	1,681
Memoranda:
Average total assets	$48,126,000	5,347
Average earning assets	$45,057,500	5,318
Average equity	$5,584,500	5,309
Average total loans	$31,876,500	5,097
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1964%	2,499
Cost of funding earning assets	0.4845%	2,212
Net interest margin	3.7120%	2,642
Noninterest income to average assets	0.4370%	3,639
Noninterest expense to average assets	2.6306%	3,586
Loan and lease loss provision to assets	0.0606%	3,163
Net operating income to assets	0.9838%	2,421
Return on assets (ROA)	0.9786%	2,553
Pretax return on assets	1.2003%	2,674
Return on Equity (ROE)	8.5686%	2,627
Retained earnings to average equity (ytd only)	6.7377%	1,342
Net charge-offs to loans	0.0167%	3,738
Credit loss provision to net charge-offs	580.0000%	589
Earnings coverage of net charge-offs (x)	121.2000%	502
Efficiency ratio	67.4893%	3,347
Assets per employee ($millions)	3.1665%	5,196
Cash dividends to net income (ytd only)*	21.3675%	3,674
Condition Ratios (%)
Loss allowance to loans	1.0620%	3,939
Loan loss allowance to noncurrent loans	1,527.2727%	417
Noncurrent assets plus other real estate owned to assets	0.4190%	3,595
Noncurrent loans to loans	0.0695%	4,959
Net loans and leases to total assets	65.9017%	3,084
Net loans and leases to deposits	75.0198%	3,411
Net loans and leases to core deposits	78.4865%	3,538
Total domestic deposits to total assets	87.8458%	1,715
Equity capital to assets	11.5752%	2,103
Core capital (leverage) ratio	11.6898%	1,796
Tier 1 risk-based capital ratio	18.5178%	1,722
Total risk-based capital ratio	19.6374%	1,721
Memoranda:
Average total assets	$47,821,200	5,390
Average earning assets	$44,585,600	5,363
Average equity	$5,461,800	5,380
Average total loans	$29,946,400	5,188
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1353%	2,741
Cost of funding earning assets	0.4897%	2,174
Net interest margin	3.6456%	2,909
Noninterest income to average assets	0.4398%	3,634
Noninterest expense to average assets	2.5635%	3,786
Loan and lease loss provision to assets	0.0668%	2,884
Net operating income to assets	0.9670%	2,582
Return on assets (ROA)	0.9603%	2,753
Pretax return on assets	1.1996%	2,836
Return on Equity (ROE)	8.4359%	2,789
Retained earnings to average equity (ytd only)	8.4359%	1,002
Net charge-offs to loans	0.0000%	3,952
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	66.7875%	3,458
Assets per employee ($millions)	3.1805%	5,207
Cash dividends to net income (ytd only)*	0.0000%	3,760
Condition Ratios (%)
Loss allowance to loans	1.0779%	3,961
Loan loss allowance to noncurrent loans	250.7463%	1,885
Noncurrent assets plus other real estate owned to assets	0.6519%	2,946
Noncurrent loans to loans	0.4299%	3,744
Net loans and leases to total assets	64.6349%	3,319
Net loans and leases to deposits	74.7938%	3,521
Net loans and leases to core deposits	78.2918%	3,635
Total domestic deposits to total assets	86.4174%	2,160
Equity capital to assets	11.8072%	2,249
Core capital (leverage) ratio	11.3802%	2,125
Tier 1 risk-based capital ratio	18.4978%	1,790
Total risk-based capital ratio	19.6418%	1,775
Memoranda:
Average total assets	$47,902,000	5,443
Average earning assets	$44,655,500	5,421
Average equity	$5,452,750	5,437
Average total loans	$29,523,500	5,254
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0465%	3,080
Cost of funding earning assets	0.4813%	2,258
Net interest margin	3.5652%	3,230
Noninterest income to average assets	0.4461%	3,549
Noninterest expense to average assets	2.5726%	3,810
Loan and lease loss provision to assets	0.0667%	2,807
Net operating income to assets	0.9465%	2,636
Return on assets (ROA)	0.9465%	2,783
Pretax return on assets	1.1425%	3,026
Return on Equity (ROE)	8.4188%	2,787
Retained earnings to average equity (ytd only)	8.4188%	1,039
Net charge-offs to loans	0.0000%	3,689
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	68.0265%	3,340
Assets per employee ($millions)	3.2189%	5,181
Cash dividends to net income (ytd only)*	0.0000%	3,619
Condition Ratios (%)
Loss allowance to loans	1.1229%	3,822
Loan loss allowance to noncurrent loans	268.8525%	1,792
Noncurrent assets plus other real estate owned to assets	0.6193%	3,153
Noncurrent loans to loans	0.4177%	3,859
Net loans and leases to total assets	59.8161%	3,907
Net loans and leases to deposits	68.1365%	4,169
Net loans and leases to core deposits	71.2320%	4,233
Total domestic deposits to total assets	87.7887%	1,538
Equity capital to assets	11.5279%	2,515
Core capital (leverage) ratio	11.3078%	2,144
Tier 1 risk-based capital ratio	19.3372%	1,616
Total risk-based capital ratio	20.5124%	1,597
Memoranda:
Average total assets	$47,966,670	5,501
Average earning assets	$44,878,000	5,482
Average equity	$5,392,670	5,502
Average total loans	$28,974,000	5,335
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0305%	3,105
Cost of funding earning assets	0.4937%	2,152
Net interest margin	3.5368%	3,328
Noninterest income to average assets	0.4518%	3,469
Noninterest expense to average assets	2.5351%	3,963
Loan and lease loss provision to assets	0.0753%	2,451
Net operating income to assets	1.0709%	2,012
Return on assets (ROA)	1.0709%	2,127
Pretax return on assets	1.1379%	2,942
Return on Equity (ROE)	9.6495%	2,133
Retained earnings to average equity (ytd only)	9.6495%	938
Net charge-offs to loans	0.0000%	3,094
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.6339%	3,524
Assets per employee ($millions)	3.2173%	5,249
Cash dividends to net income (ytd only)*	0.0000%	2,863
Condition Ratios (%)
Loss allowance to loans	1.1393%	3,839
Loan loss allowance to noncurrent loans	155.0725%	2,705
Noncurrent assets plus other real estate owned to assets	0.8061%	2,678
Noncurrent loans to loans	0.7347%	2,996
Net loans and leases to total assets	57.7177%	4,075
Net loans and leases to deposits	65.3160%	4,315
Net loans and leases to core deposits	68.6871%	4,343
Total domestic deposits to total assets	88.3669%	1,427
Equity capital to assets	11.1482%	2,772
Core capital (leverage) ratio	10.9332%	2,464
Tier 1 risk-based capital ratio	19.5589%	1,604
Total risk-based capital ratio	20.7548%	1,580
Memoranda:
Average total assets	$47,808,500	5,555
Average earning assets	$44,560,000	5,538
Average equity	$5,306,000	5,555
Average total loans	$28,856,500	5,381
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2361%	2,432
Cost of funding earning assets	0.4765%	2,380
Net interest margin	3.7596%	2,524
Noninterest income to average assets	0.4509%	3,658
Noninterest expense to average assets	2.5798%	3,994
Loan and lease loss provision to assets	0.0893%	2,513
Net operating income to assets	0.9688%	2,530
Return on assets (ROA)	0.9592%	2,654
Pretax return on assets	1.2761%	2,377
Return on Equity (ROE)	8.9092%	2,496
Retained earnings to average equity (ytd only)	7.4276%	1,120
Net charge-offs to loans	0.0000%	4,462
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	65.1800%	4,051
Assets per employee ($millions)	3.1572%	5,342
Cash dividends to net income (ytd only)*	16.6297%	3,889
Condition Ratios (%)
Loss allowance to loans	1.0563%	4,278
Loan loss allowance to noncurrent loans	60.4651%	4,624
Noncurrent assets plus other real estate owned to assets	1.5288%	1,317
Noncurrent loans to loans	1.7469%	1,282
Net loans and leases to total assets	61.7129%	3,599
Net loans and leases to deposits	69.9538%	3,928
Net loans and leases to core deposits	73.6394%	3,974
Total domestic deposits to total assets	88.2195%	1,526
Equity capital to assets	11.0478%	2,773
Core capital (leverage) ratio	10.6462%	2,778
Tier 1 risk-based capital ratio	18.6261%	1,797
Total risk-based capital ratio	19.7589%	1,772
Memoranda:
Average total assets	$47,018,800	5,611
Average earning assets	$43,861,000	5,584
Average equity	$5,062,200	5,642
Average total loans	$28,965,600	5,404
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2306%	2,482
Cost of funding earning assets	0.4657%	2,529
Net interest margin	3.7649%	2,507
Noninterest income to average assets	0.4602%	3,634
Noninterest expense to average assets	2.5226%	4,128
Loan and lease loss provision to assets	0.0909%	2,353
Net operating income to assets	1.0126%	2,407
Return on assets (ROA)	1.0000%	2,560
Pretax return on assets	1.3437%	2,232
Return on Equity (ROE)	9.3495%	2,386
Retained earnings to average equity (ytd only)	9.3495%	775
Net charge-offs to loans	0.0000%	4,182
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	63.4739%	4,338
Assets per employee ($millions)	3.1861%	5,320
Cash dividends to net income (ytd only)*	0.0000%	3,801
Condition Ratios (%)
Loss allowance to loans	0.9953%	4,777
Loan loss allowance to noncurrent loans	59.6838%	4,703
Noncurrent assets plus other real estate owned to assets	1.5149%	1,481
Noncurrent loans to loans	1.6675%	1,466
Net loans and leases to total assets	62.8612%	3,471
Net loans and leases to deposits	71.0465%	3,871
Net loans and leases to core deposits	75.6802%	3,830
Total domestic deposits to total assets	88.4790%	1,305
Equity capital to assets	10.8723%	3,166
Core capital (leverage) ratio	11.0868%	2,397
Tier 1 risk-based capital ratio	18.4708%	1,909
Total risk-based capital ratio	19.5615%	1,911
Memoranda:
Average total assets	$46,934,000	5,681
Average earning assets	$43,806,750	5,659
Average equity	$5,019,750	5,722
Average total loans	$28,822,500	5,473
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1880%	2,586
Cost of funding earning assets	0.4587%	2,622
Net interest margin	3.7293%	2,586
Noninterest income to average assets	0.4673%	3,579
Noninterest expense to average assets	2.5167%	4,188
Loan and lease loss provision to assets	0.0943%	2,239
Net operating income to assets	1.0316%	2,218
Return on assets (ROA)	1.0118%	2,445
Pretax return on assets	1.3162%	2,307
Return on Equity (ROE)	9.5142%	2,296
Retained earnings to average equity (ytd only)	9.5142%	776
Net charge-offs to loans	0.0000%	3,893
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	63.6659%	4,402
Assets per employee ($millions)	3.3152%	5,137
Cash dividends to net income (ytd only)*	0.0000%	3,641
Condition Ratios (%)
Loss allowance to loans	1.0036%	4,853
Loan loss allowance to noncurrent loans	65.4709%	4,607
Noncurrent assets plus other real estate owned to assets	1.1764%	2,155
Noncurrent loans to loans	1.5330%	1,727
Net loans and leases to total assets	62.0559%	3,541
Net loans and leases to deposits	70.0012%	3,933
Net loans and leases to core deposits	71.4548%	4,185
Total domestic deposits to total assets	88.6497%	1,328
Equity capital to assets	10.8569%	3,044
Core capital (leverage) ratio	10.7910%	2,622
Tier 1 risk-based capital ratio	19.0408%	1,782
Total risk-based capital ratio	20.1470%	1,780
Memoranda:
Average total assets	$46,648,330	5,752
Average earning assets	$43,601,000	5,722
Average equity	$4,961,000	5,789
Average total loans	$28,315,330	5,541
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1420%	2,665
Cost of funding earning assets	0.4592%	2,686
Net interest margin	3.6828%	2,687
Noninterest income to average assets	0.5217%	3,144
Noninterest expense to average assets	2.5318%	4,167
Loan and lease loss provision to assets	0.0941%	2,115
Net operating income to assets	1.0863%	1,918
Return on assets (ROA)	1.0863%	2,032
Pretax return on assets	1.3257%	2,176
Return on Equity (ROE)	10.3210%	1,859
Retained earnings to average equity (ytd only)	10.3210%	844
Net charge-offs to loans	0.0000%	3,288
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	64.0693%	4,470
Assets per employee ($millions)	3.2993%	5,243
Cash dividends to net income (ytd only)*	0.0000%	2,870
Condition Ratios (%)
Loss allowance to loans	1.0121%	4,956
Loan loss allowance to noncurrent loans	63.1461%	4,635
Noncurrent assets plus other real estate owned to assets	1.1799%	2,276
Noncurrent loans to loans	1.6028%	1,742
Net loans and leases to total assets	59.4999%	3,728
Net loans and leases to deposits	67.1349%	4,040
Net loans and leases to core deposits	68.5362%	4,282
Total domestic deposits to total assets	88.6274%	1,483
Equity capital to assets	10.8573%	3,132
Core capital (leverage) ratio	10.3117%	3,203
Tier 1 risk-based capital ratio	18.8161%	1,916
Total risk-based capital ratio	19.9040%	1,914
Memoranda:
Average total assets	$46,766,000	5,797
Average earning assets	$43,553,500	5,767
Average equity	$4,922,000	5,852
Average total loans	$27,926,000	5,599
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2193%	2,888
Cost of funding earning assets	0.4570%	3,103
Net interest margin	3.7623%	2,764
Noninterest income to average assets	0.4703%	3,712
Noninterest expense to average assets	2.6224%	4,134
Loan and lease loss provision to assets	0.1127%	2,287
Net operating income to assets	0.9606%	2,579
Return on assets (ROA)	0.9623%	2,653
Pretax return on assets	1.2527%	2,430
Return on Equity (ROE)	9.4670%	2,356
Retained earnings to average equity (ytd only)	5.4158%	2,320
Net charge-offs to loans	0.0037%	4,880
Credit loss provision to net charge-offs	5,200.0000%	54
Earnings coverage of net charge-offs (x)	629.0000%	81
Efficiency ratio	65.7966%	4,286
Assets per employee ($millions)	3.3816%	5,101
Cash dividends to net income (ytd only)*	42.7928%	2,707
Condition Ratios (%)
Loss allowance to loans	0.9613%	5,236
Loan loss allowance to noncurrent loans	69.9482%	4,520
Noncurrent assets plus other real estate owned to assets	1.0266%	2,690
Noncurrent loans to loans	1.3743%	2,136
Net loans and leases to total assets	58.7597%	3,953
Net loans and leases to deposits	65.9382%	4,333
Net loans and leases to core deposits	67.2712%	4,574
Total domestic deposits to total assets	89.1133%	1,167
Equity capital to assets	10.2002%	3,852
Core capital (leverage) ratio	10.1319%	3,392
Tier 1 risk-based capital ratio	18.2507%	2,066
Total risk-based capital ratio	19.2783%	2,091
Memoranda:
Average total assets	$46,141,000	5,879
Average earning assets	$43,111,400	5,850
Average equity	$4,690,000	5,930
Average total loans	$26,841,600	5,704
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1779%	3,068
Cost of funding earning assets	0.4532%	3,209
Net interest margin	3.7247%	2,927
Noninterest income to average assets	0.4799%	3,686
Noninterest expense to average assets	2.6061%	4,180
Loan and lease loss provision to assets	0.1193%	2,082
Net operating income to assets	0.9141%	2,843
Return on assets (ROA)	0.9162%	2,938
Pretax return on assets	1.2478%	2,582
Return on Equity (ROE)	9.0219%	2,670
Retained earnings to average equity (ytd only)	6.4441%	2,138
Net charge-offs to loans	0.0000%	4,696
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	65.6410%	4,267
Assets per employee ($millions)	3.3541%	5,134
Cash dividends to net income (ytd only)*	28.5721%	2,863
Condition Ratios (%)
Loss allowance to loans	0.9331%	5,489
Loan loss allowance to noncurrent loans	39.4537%	5,465
Noncurrent assets plus other real estate owned to assets	1.6163%	1,877
Noncurrent loans to loans	2.3651%	1,261
Net loans and leases to total assets	58.7844%	3,965
Net loans and leases to deposits	65.9988%	4,330
Net loans and leases to core deposits	67.3433%	4,577
Total domestic deposits to total assets	89.0690%	1,198
Equity capital to assets	10.2602%	3,846
Core capital (leverage) ratio	10.0801%	3,558
Tier 1 risk-based capital ratio	18.1234%	2,173
Total risk-based capital ratio	19.1119%	2,218
Memoranda:
Average total assets	$45,840,750	5,953
Average earning assets	$42,955,250	5,920
Average equity	$4,655,250	6,001
Average total loans	$26,530,000	5,781
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1479%	3,158
Cost of funding earning assets	0.4614%	3,196
Net interest margin	3.6865%	3,011
Noninterest income to average assets	0.4707%	3,704
Noninterest expense to average assets	2.6172%	4,178
Loan and lease loss provision to assets	0.0924%	2,484
Net operating income to assets	0.9006%	2,798
Return on assets (ROA)	0.9105%	2,854
Pretax return on assets	1.2184%	2,581
Return on Equity (ROE)	8.9980%	2,602
Retained earnings to average equity (ytd only)	5.0859%	2,907
Net charge-offs to loans	0.0000%	4,375
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	66.8539%	4,225
Assets per employee ($millions)	3.3856%	5,088
Cash dividends to net income (ytd only)*	43.4783%	2,237
Condition Ratios (%)
Loss allowance to loans	0.8987%	5,728
Loan loss allowance to noncurrent loans	43.4783%	5,401
Noncurrent assets plus other real estate owned to assets	1.3756%	2,374
Noncurrent loans to loans	2.0671%	1,621
Net loans and leases to total assets	55.8336%	4,309
Net loans and leases to deposits	62.3548%	4,658
Net loans and leases to core deposits	63.2248%	4,887
Total domestic deposits to total assets	89.5418%	1,057
Equity capital to assets	9.9076%	4,239
Core capital (leverage) ratio	10.1380%	3,428
Tier 1 risk-based capital ratio	18.3686%	2,110
Total risk-based capital ratio	19.3148%	2,189
Memoranda:
Average total assets	$45,468,330	6,019
Average earning assets	$42,479,000	5,988
Average equity	$4,601,000	6,058
Average total loans	$26,085,330	5,839
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1805%	2,945
Cost of funding earning assets	0.4742%	3,186
Net interest margin	3.7063%	2,840
Noninterest income to average assets	0.4674%	3,653
Noninterest expense to average assets	2.6425%	4,139
Loan and lease loss provision to assets	0.0989%	2,274
Net operating income to assets	0.9437%	2,436
Return on assets (ROA)	0.9437%	2,505
Pretax return on assets	1.1684%	2,626
Return on Equity (ROE)	9.2237%	2,363
Retained earnings to average equity (ytd only)	1.3177%	5,090
Net charge-offs to loans	0.0000%	3,660
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.5862%	4,257
Assets per employee ($millions)	3.2609%	5,426
Cash dividends to net income (ytd only)*	85.7143%	872
Condition Ratios (%)
Loss allowance to loans	0.8972%	5,875
Loan loss allowance to noncurrent loans	51.9187%	5,113
Noncurrent assets plus other real estate owned to assets	1.1894%	2,881
Noncurrent loans to loans	1.7282%	2,239
Net loans and leases to total assets	55.6471%	4,190
Net loans and leases to deposits	62.1261%	4,528
Net loans and leases to core deposits	63.0263%	4,784
Total domestic deposits to total assets	89.5711%	1,328
Equity capital to assets	9.9908%	3,852
Core capital (leverage) ratio	10.1985%	3,297
Tier 1 risk-based capital ratio	18.6388%	2,077
Total risk-based capital ratio	19.5795%	2,134
Memoranda:
Average total assets	$44,503,500	6,102
Average earning assets	$41,334,500	6,075
Average equity	$4,553,500	6,116
Average total loans	$25,776,000	5,900
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4360%	2,445
Cost of funding earning assets	0.5093%	3,510
Net interest margin	3.9267%	2,194
Noninterest income to average assets	0.6110%	3,020
Noninterest expense to average assets	2.7063%	4,075
Loan and lease loss provision to assets	0.0960%	3,202
Net operating income to assets	1.0280%	2,209
Return on assets (ROA)	1.0347%	2,250
Pretax return on assets	1.4280%	1,692
Return on Equity (ROE)	9.8031%	2,191
Retained earnings to average equity (ytd only)	6.4762%	1,700
Net charge-offs to loans	0.2865%	2,256
Credit loss provision to net charge-offs	57.7465%	3,635
Earnings coverage of net charge-offs (x)	9.1127%	2,555
Efficiency ratio	64.1154%	4,873
Assets per employee ($millions)	3.0968%	5,676
Cash dividends to net income (ytd only)*	33.9367%	3,105
Condition Ratios (%)
Loss allowance to loans	0.8450%	6,071
Loan loss allowance to noncurrent loans	167.1756%	2,431
Noncurrent assets plus other real estate owned to assets	0.5328%	4,637
Noncurrent loans to loans	0.5054%	4,733
Net loans and leases to total assets	59.2757%	3,829
Net loans and leases to deposits	66.7801%	4,206
Net loans and leases to core deposits	67.8074%	4,536
Total domestic deposits to total assets	88.7625%	1,770
Equity capital to assets	10.4855%	3,180
Core capital (leverage) ratio	10.4190%	2,999
Tier 1 risk-based capital ratio	19.0267%	1,911
Total risk-based capital ratio	19.9439%	1,978
Memoranda:
Average total assets	$42,715,800	6,204
Average earning assets	$39,269,200	6,192
Average equity	$4,508,800	6,202
Average total loans	$24,783,600	5,994
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4210%	2,520
Cost of funding earning assets	0.5199%	3,565
Net interest margin	3.9011%	2,270
Noninterest income to average assets	0.6235%	3,019
Noninterest expense to average assets	2.6161%	4,335
Loan and lease loss provision to assets	0.0721%	3,622
Net operating income to assets	1.0969%	2,017
Return on assets (ROA)	1.1060%	2,057
Pretax return on assets	1.5446%	1,483
Return on Equity (ROE)	10.4601%	2,018
Retained earnings to average equity (ytd only)	9.5713%	889
Net charge-offs to loans	-0.0109%	5,909
Credit loss provision to net charge-offs	-1,150.0000%	6,209
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	61.9896%	5,142
Assets per employee ($millions)	3.0788%	5,716
Cash dividends to net income (ytd only)*	8.4989%	3,523
Condition Ratios (%)
Loss allowance to loans	1.0669%	5,455
Loan loss allowance to noncurrent loans	69.8980%	4,419
Noncurrent assets plus other real estate owned to assets	0.9094%	3,860
Noncurrent loans to loans	1.5264%	2,878
Net loans and leases to total assets	58.9472%	3,864
Net loans and leases to deposits	66.4557%	4,248
Net loans and leases to core deposits	67.0396%	4,617
Total domestic deposits to total assets	88.7015%	1,723
Equity capital to assets	10.5979%	3,161
Core capital (leverage) ratio	10.7591%	2,713
Tier 1 risk-based capital ratio	19.2770%	1,912
Total risk-based capital ratio	20.4315%	1,897
Memoranda:
Average total assets	$42,556,000	6,279
Average earning assets	$39,235,750	6,259
Average equity	$4,499,500	6,284
Average total loans	$24,500,000	6,065
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4624%	2,342
Cost of funding earning assets	0.5289%	3,617
Net interest margin	3.9335%	2,097
Noninterest income to average assets	0.6608%	2,851
Noninterest expense to average assets	2.6148%	4,330
Loan and lease loss provision to assets	0.0708%	3,617
Net operating income to assets	1.1517%	1,734
Return on assets (ROA)	1.1517%	1,850
Pretax return on assets	1.5906%	1,395
Return on Equity (ROE)	10.9010%	1,844
Retained earnings to average equity (ytd only)	10.9010%	660
Net charge-offs to loans	-0.0166%	5,907
Credit loss provision to net charge-offs	-750.0000%	5,980
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	61.1479%	5,304
Assets per employee ($millions)	3.0009%	5,851
Cash dividends to net income (ytd only)*	0.0000%	3,522
Condition Ratios (%)
Loss allowance to loans	1.1053%	5,424
Loan loss allowance to noncurrent loans	78.2353%	4,097
Noncurrent assets plus other real estate owned to assets	0.8093%	4,203
Noncurrent loans to loans	1.4128%	3,178
Net loans and leases to total assets	56.6505%	4,187
Net loans and leases to deposits	64.1613%	4,480
Net loans and leases to core deposits	65.2323%	4,773
Total domestic deposits to total assets	88.2938%	2,049
Equity capital to assets	10.9445%	2,804
Core capital (leverage) ratio	10.7787%	2,588
Tier 1 risk-based capital ratio	20.4923%	1,608
Total risk-based capital ratio	21.7046%	1,591
Memoranda:
Average total assets	$42,373,670	6,334
Average earning assets	$38,947,330	6,317
Average equity	$4,476,670	6,337
Average total loans	$24,106,000	6,117
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3568%	2,668
Cost of funding earning assets	0.5383%	3,693
Net interest margin	3.8186%	2,383
Noninterest income to average assets	0.6204%	3,027
Noninterest expense to average assets	2.7823%	3,759
Loan and lease loss provision to assets	0.0752%	3,375
Net operating income to assets	1.0528%	2,024
Return on assets (ROA)	1.0528%	2,135
Pretax return on assets	1.2972%	2,242
Return on Equity (ROE)	10.1449%	2,010
Retained earnings to average equity (ytd only)	10.1449%	1,072
Net charge-offs to loans	-0.0332%	5,939
Credit loss provision to net charge-offs	-400.0000%	5,417
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	66.9683%	4,494
Assets per employee ($millions)	3.0181%	5,957
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	1.0659%	5,731
Loan loss allowance to noncurrent loans	76.8546%	4,056
Noncurrent assets plus other real estate owned to assets	0.7976%	4,376
Noncurrent loans to loans	1.3869%	3,485
Net loans and leases to total assets	56.8954%	3,943
Net loans and leases to deposits	64.0588%	4,304
Net loans and leases to core deposits	65.1120%	4,640
Total domestic deposits to total assets	88.8174%	1,785
Equity capital to assets	10.5697%	3,462
Core capital (leverage) ratio	10.2415%	3,088
Tier 1 risk-based capital ratio	19.2128%	1,976
Total risk-based capital ratio	20.3531%	1,989
Memoranda:
Average total assets	$42,554,500	6,386
Average earning assets	$39,386,500	6,353
Average equity	$4,416,000	6,413
Average total loans	$24,126,000	6,166
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6639%	2,737
Cost of funding earning assets	0.6926%	3,556
Net interest margin	3.9713%	2,515
Noninterest income to average assets	0.5688%	3,454
Noninterest expense to average assets	2.9052%	3,611
Loan and lease loss provision to assets	0.0732%	4,808
Net operating income to assets	0.8960%	2,842
Return on assets (ROA)	0.8960%	3,075
Pretax return on assets	1.2720%	2,513
Return on Equity (ROE)	8.6045%	2,828
Retained earnings to average equity (ytd only)	6.2600%	1,946
Net charge-offs to loans	0.0168%	5,677
Credit loss provision to net charge-offs	750.0000%	327
Earnings coverage of net charge-offs (x)	137.7500%	303
Efficiency ratio	68.3515%	4,079
Assets per employee ($millions)	3.0611%	5,920
Cash dividends to net income (ytd only)*	27.2480%	3,485
Condition Ratios (%)
Loss allowance to loans	1.0395%	5,814
Loan loss allowance to noncurrent loans	63.5204%	4,512
Noncurrent assets plus other real estate owned to assets	0.9147%	4,211
Noncurrent loans to loans	1.6365%	3,169
Net loans and leases to total assets	55.3108%	4,405
Net loans and leases to deposits	62.0816%	4,777
Net loans and leases to core deposits	63.0828%	5,054
Total domestic deposits to total assets	89.0937%	1,499
Equity capital to assets	10.1876%	3,907
Core capital (leverage) ratio	10.1137%	3,256
Tier 1 risk-based capital ratio	18.7757%	2,020
Total risk-based capital ratio	19.8754%	2,026
Memoranda:
Average total assets	$40,960,600	6,472
Average earning assets	$37,972,400	6,431
Average equity	$4,265,200	6,510
Average total loans	$23,864,600	6,247
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7112%	2,768
Cost of funding earning assets	0.7215%	3,581
Net interest margin	3.9897%	2,543
Noninterest income to average assets	0.5631%	3,522
Noninterest expense to average assets	2.8618%	3,741
Loan and lease loss provision to assets	0.0758%	4,700
Net operating income to assets	0.9517%	2,740
Return on assets (ROA)	0.9517%	2,964
Pretax return on assets	1.3403%	2,450
Return on Equity (ROE)	9.0877%	2,753
Retained earnings to average equity (ytd only)	9.0877%	1,190
Net charge-offs to loans	0.0112%	5,550
Credit loss provision to net charge-offs	1,150.0000%	238
Earnings coverage of net charge-offs (x)	214.7266%	211
Efficiency ratio	66.8976%	4,267
Assets per employee ($millions)	3.0679%	5,930
Cash dividends to net income (ytd only)*	0.0000%	3,713
Condition Ratios (%)
Loss allowance to loans	0.9753%	6,172
Loan loss allowance to noncurrent loans	152.5000%	2,254
Noncurrent assets plus other real estate owned to assets	0.3725%	5,771
Noncurrent loans to loans	0.6396%	5,162
Net loans and leases to total assets	57.6787%	4,181
Net loans and leases to deposits	64.7711%	4,620
Net loans and leases to core deposits	65.8104%	4,970
Total domestic deposits to total assets	89.0501%	1,400
Equity capital to assets	10.2538%	4,130
Core capital (leverage) ratio	10.2548%	3,217
Tier 1 risk-based capital ratio	18.0490%	2,315
Total risk-based capital ratio	19.0794%	2,381
Memoranda:
Average total assets	$40,486,750	6,569
Average earning assets	$37,696,250	6,522
Average equity	$4,240,000	6,589
Average total loans	$23,842,500	6,335
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7727%	2,626
Cost of funding earning assets	0.7656%	3,478
Net interest margin	4.0071%	2,474
Noninterest income to average assets	0.5647%	3,490
Noninterest expense to average assets	2.9194%	3,549
Loan and lease loss provision to assets	0.0756%	4,679
Net operating income to assets	0.9429%	2,696
Return on assets (ROA)	0.9429%	2,954
Pretax return on assets	1.2908%	2,595
Return on Equity (ROE)	8.9360%	2,840
Retained earnings to average equity (ytd only)	8.9360%	1,299
Net charge-offs to loans	0.0171%	5,173
Credit loss provision to net charge-offs	750.0000%	416
Earnings coverage of net charge-offs (x)	135.5000%	328
Efficiency ratio	68.1176%	4,098
Assets per employee ($millions)	2.8340%	6,354
Cash dividends to net income (ytd only)*	0.0000%	3,523
Condition Ratios (%)
Loss allowance to loans	0.9992%	6,165
Loan loss allowance to noncurrent loans	87.7323%	3,537
Noncurrent assets plus other real estate owned to assets	0.6780%	5,078
Noncurrent loans to loans	1.1389%	4,250
Net loans and leases to total assets	58.9374%	3,999
Net loans and leases to deposits	66.5074%	4,443
Net loans and leases to core deposits	67.6679%	4,831
Total domestic deposits to total assets	88.6178%	1,750
Equity capital to assets	10.8176%	3,322
Core capital (leverage) ratio	10.4216%	2,898
Tier 1 risk-based capital ratio	18.8789%	2,000
Total risk-based capital ratio	19.9466%	2,028
Memoranda:
Average total assets	$39,665,670	6,643
Average earning assets	$36,834,670	6,595
Average equity	$4,185,330	6,636
Average total loans	$23,451,000	6,398
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7312%	2,925
Cost of funding earning assets	0.8048%	3,438
Net interest margin	3.9263%	2,816
Noninterest income to average assets	0.5547%	3,532
Noninterest expense to average assets	2.9047%	3,606
Loan and lease loss provision to assets	0.0706%	4,519
Net operating income to assets	0.9783%	2,566
Return on assets (ROA)	0.9783%	2,771
Pretax return on assets	1.2204%	2,836
Return on Equity (ROE)	9.3901%	2,643
Retained earnings to average equity (ytd only)	9.3901%	1,443
Net charge-offs to loans	0.0000%	4,730
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.2308%	3,939
Assets per employee ($millions)	2.8814%	6,385
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	0.9864%	6,299
Loan loss allowance to noncurrent loans	34.1753%	5,958
Noncurrent assets plus other real estate owned to assets	1.6684%	3,350
Noncurrent loans to loans	2.8863%	2,236
Net loans and leases to total assets	57.2325%	4,179
Net loans and leases to deposits	64.1306%	4,616
Net loans and leases to core deposits	65.2194%	4,996
Total domestic deposits to total assets	89.2437%	1,521
Equity capital to assets	10.3597%	3,659
Core capital (leverage) ratio	10.2257%	3,076
Tier 1 risk-based capital ratio	18.5158%	2,143
Total risk-based capital ratio	19.5591%	2,172
Memoranda:
Average total assets	$39,660,500	6,695
Average earning assets	$36,777,500	6,652
Average equity	$4,132,000	6,684
Average total loans	$23,366,500	6,449
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9137%	3,294
Cost of funding earning assets	1.0251%	3,197
Net interest margin	3.8887%	3,385
Noninterest income to average assets	0.5996%	3,165
Noninterest expense to average assets	2.9981%	3,599
Loan and lease loss provision to assets	0.0657%	5,791
Net operating income to assets	0.9583%	2,370
Return on assets (ROA)	0.9583%	2,503
Pretax return on assets	1.1089%	2,805
Return on Equity (ROE)	8.7680%	2,557
Retained earnings to average equity (ytd only)	3.2567%	3,907
Net charge-offs to loans	0.0269%	6,055
Credit loss provision to net charge-offs	400.0000%	574
Earnings coverage of net charge-offs (x)	71.5000%	419
Efficiency ratio	71.8504%	3,603
Assets per employee ($millions)	2.9986%	6,085
Cash dividends to net income (ytd only)*	62.8571%	1,436
Condition Ratios (%)
Loss allowance to loans	0.9523%	6,389
Loan loss allowance to noncurrent loans	49.5556%	5,049
Noncurrent assets plus other real estate owned to assets	1.1544%	4,306
Noncurrent loans to loans	1.9218%	3,308
Net loans and leases to total assets	59.4967%	4,081
Net loans and leases to deposits	66.8945%	4,605
Net loans and leases to core deposits	68.5818%	4,956
Total domestic deposits to total assets	88.9410%	1,579
Equity capital to assets	10.4792%	3,558
Core capital (leverage) ratio	10.4714%	2,760
Tier 1 risk-based capital ratio	18.2163%	2,127
Total risk-based capital ratio	19.2357%	2,171
Memoranda:
Average total assets	$36,523,200	6,781
Average earning assets	$33,559,200	6,764
Average equity	$3,991,800	6,748
Average total loans	$22,337,400	6,537
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9493%	3,330
Cost of funding earning assets	1.0629%	3,224
Net interest margin	3.8864%	3,452
Noninterest income to average assets	0.6275%	3,012
Noninterest expense to average assets	3.0224%	3,475
Loan and lease loss provision to assets	0.0668%	5,617
Net operating income to assets	0.9060%	2,720
Return on assets (ROA)	0.9060%	2,852
Pretax return on assets	1.0954%	3,038
Return on Equity (ROE)	8.1978%	2,965
Retained earnings to average equity (ytd only)	4.1661%	3,763
Net charge-offs to loans	0.0302%	5,721
Credit loss provision to net charge-offs	360.0000%	791
Earnings coverage of net charge-offs (x)	62.5667%	528
Efficiency ratio	72.2272%	3,509
Assets per employee ($millions)	2.8204%	6,449
Cash dividends to net income (ytd only)*	49.1808%	1,629
Condition Ratios (%)
Loss allowance to loans	0.9512%	6,452
Loan loss allowance to noncurrent loans	71.2418%	3,921
Noncurrent assets plus other real estate owned to assets	0.8346%	5,094
Noncurrent loans to loans	1.3351%	4,298
Net loans and leases to total assets	61.9146%	3,747
Net loans and leases to deposits	70.1774%	4,269
Net loans and leases to core deposits	72.0690%	4,709
Total domestic deposits to total assets	88.2258%	1,909
Equity capital to assets	11.1332%	3,017
Core capital (leverage) ratio	10.8175%	2,556
Tier 1 risk-based capital ratio	18.5536%	2,079
Total risk-based capital ratio	19.5701%	2,105
Memoranda:
Average total assets	$35,908,500	6,860
Average earning assets	$32,866,000	6,846
Average equity	$3,968,500	6,809
Average total loans	$22,067,750	6,614
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9829%	3,240
Cost of funding earning assets	1.0950%	3,284
Net interest margin	3.8879%	3,373
Noninterest income to average assets	0.6002%	3,143
Noninterest expense to average assets	2.9897%	3,683
Loan and lease loss provision to assets	0.0673%	5,466
Net operating income to assets	0.9423%	2,471
Return on assets (ROA)	0.9423%	2,564
Pretax return on assets	1.0882%	2,901
Return on Equity (ROE)	8.5482%	2,699
Retained earnings to average equity (ytd only)	2.4423%	4,730
Net charge-offs to loans	0.0000%	5,875
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.1245%	3,710
Assets per employee ($millions)	2.9038%	6,297
Cash dividends to net income (ytd only)*	71.4286%	999
Condition Ratios (%)
Loss allowance to loans	0.9760%	6,432
Loan loss allowance to noncurrent loans	58.1769%	4,559
Noncurrent assets plus other real estate owned to assets	1.0093%	4,861
Noncurrent loans to loans	1.6776%	3,912
Net loans and leases to total assets	58.3232%	4,572
Net loans and leases to deposits	65.5326%	5,066
Net loans and leases to core deposits	67.1885%	5,371
Total domestic deposits to total assets	88.9987%	1,526
Equity capital to assets	10.5166%	3,485
Core capital (leverage) ratio	11.0947%	2,175
Tier 1 risk-based capital ratio	18.3162%	2,071
Total risk-based capital ratio	19.3346%	2,101
Memoranda:
Average total assets	$35,656,330	6,930
Average earning assets	$32,511,330	6,916
Average equity	$3,930,670	6,865
Average total loans	$21,784,000	6,696
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9638%	3,276
Cost of funding earning assets	1.1436%	3,200
Net interest margin	3.8202%	3,509
Noninterest income to average assets	0.6472%	2,863
Noninterest expense to average assets	3.0281%	3,528
Loan and lease loss provision to assets	0.0693%	5,123
Net operating income to assets	0.9824%	2,240
Return on assets (ROA)	0.9824%	2,297
Pretax return on assets	1.0633%	2,890
Return on Equity (ROE)	8.6934%	2,612
Retained earnings to average equity (ytd only)	8.6934%	1,495
Net charge-offs to loans	0.0000%	5,107
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.7778%	3,717
Assets per employee ($millions)	2.7087%	6,682
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	0.9644%	6,505
Loan loss allowance to noncurrent loans	58.6111%	4,488
Noncurrent assets plus other real estate owned to assets	1.0223%	4,863
Noncurrent loans to loans	1.6454%	4,014
Net loans and leases to total assets	61.5341%	3,960
Net loans and leases to deposits	69.6228%	4,406
Net loans and leases to core deposits	70.9333%	4,932
Total domestic deposits to total assets	88.3821%	2,155
Equity capital to assets	11.2544%	2,455
Core capital (leverage) ratio	11.2762%	1,978
Tier 1 risk-based capital ratio	19.3602%	1,722
Total risk-based capital ratio	20.3970%	1,731
Memoranda:
Average total assets	$34,609,500	7,025
Average earning assets	$31,830,500	6,993
Average equity	$3,911,000	6,908
Average total loans	$21,559,000	6,769
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1180%	4,016
Cost of funding earning assets	1.2383%	4,301
Net interest margin	3.8797%	3,593
Noninterest income to average assets	0.6497%	3,156
Noninterest expense to average assets	3.2516%	2,909
Loan and lease loss provision to assets	0.0647%	6,499
Net operating income to assets	0.7433%	3,028
Return on assets (ROA)	0.7174%	3,287
Pretax return on assets	0.8529%	3,464
Return on Equity (ROE)	6.1049%	3,569
Retained earnings to average equity (ytd only)	4.0088%	3,057
Net charge-offs to loans	-0.0050%	7,265
Credit loss provision to net charge-offs	-2,100.0000%	7,182
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.4194%	2,808
Assets per employee ($millions)	2.6158%	6,829
Cash dividends to net income (ytd only)*	34.3348%	2,851
Condition Ratios (%)
Loss allowance to loans	0.9652%	6,511
Loan loss allowance to noncurrent loans	93.1818%	3,073
Noncurrent assets plus other real estate owned to assets	0.6469%	5,704
Noncurrent loans to loans	1.0358%	4,998
Net loans and leases to total assets	61.8538%	4,319
Net loans and leases to deposits	70.0900%	4,805
Net loans and leases to core deposits	72.8627%	5,113
Total domestic deposits to total assets	88.2491%	2,094
Equity capital to assets	11.3480%	2,375
Core capital (leverage) ratio	11.4067%	1,888
Tier 1 risk-based capital ratio	19.8896%	1,502
Total risk-based capital ratio	20.9473%	1,522
Memoranda:
Average total assets	$32,476,800	7,131
Average earning assets	$29,718,600	7,100
Average equity	$3,816,600	7,052
Average total loans	$20,012,000	6,921
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0992%	4,315
Cost of funding earning assets	1.2476%	4,584
Net interest margin	3.8516%	3,742
Noninterest income to average assets	0.6647%	3,043
Noninterest expense to average assets	3.2237%	2,842
Loan and lease loss provision to assets	0.0415%	6,672
Net operating income to assets	0.8281%	2,884
Return on assets (ROA)	0.7727%	3,271
Pretax return on assets	0.8641%	3,688
Return on Equity (ROE)	6.5158%	3,566
Retained earnings to average equity (ytd only)	6.1655%	2,277
Net charge-offs to loans	0.0000%	6,671
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.9078%	2,774
Assets per employee ($millions)	2.5086%	7,076
Cash dividends to net income (ytd only)*	5.3752%	3,434
Condition Ratios (%)
Loss allowance to loans	0.9286%	6,648
Loan loss allowance to noncurrent loans	70.9559%	3,771
Noncurrent assets plus other real estate owned to assets	0.8340%	5,427
Noncurrent loans to loans	1.3088%	4,676
Net loans and leases to total assets	63.1363%	4,295
Net loans and leases to deposits	72.1317%	4,824
Net loans and leases to core deposits	72.9495%	5,413
Total domestic deposits to total assets	87.5291%	2,245
Equity capital to assets	12.0262%	2,144
Core capital (leverage) ratio	11.9059%	1,716
Tier 1 risk-based capital ratio	20.5544%	1,436
Total risk-based capital ratio	21.5774%	1,456
Memoranda:
Average total assets	$32,094,500	7,227
Average earning assets	$29,389,250	7,193
Average equity	$3,806,000	7,145
Average total loans	$19,705,250	7,033
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0777%	4,569
Cost of funding earning assets	1.2557%	4,791
Net interest margin	3.8220%	3,799
Noninterest income to average assets	0.6829%	2,802
Noninterest expense to average assets	3.1890%	2,942
Loan and lease loss provision to assets	0.0376%	6,583
Net operating income to assets	0.8888%	2,591
Return on assets (ROA)	0.7769%	3,226
Pretax return on assets	0.8270%	3,792
Return on Equity (ROE)	6.5829%	3,506
Retained earnings to average equity (ytd only)	6.0520%	2,307
Net charge-offs to loans	0.0000%	6,371
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.4264%	2,995
Assets per employee ($millions)	2.5781%	6,985
Cash dividends to net income (ytd only)*	8.0645%	3,196
Condition Ratios (%)
Loss allowance to loans	0.9631%	6,556
Loan loss allowance to noncurrent loans	52.7933%	4,778
Noncurrent assets plus other real estate owned to assets	1.0950%	4,939
Noncurrent loans to loans	1.8242%	3,970
Net loans and leases to total assets	57.9919%	5,417
Net loans and leases to deposits	65.7466%	5,837
Net loans and leases to core deposits	66.4638%	6,206
Total domestic deposits to total assets	88.2053%	1,880
Equity capital to assets	11.4456%	2,488
Core capital (leverage) ratio	11.7698%	1,768
Tier 1 risk-based capital ratio	20.7673%	1,379
Total risk-based capital ratio	21.7959%	1,390
Memoranda:
Average total assets	$31,922,000	7,284
Average earning assets	$29,147,000	7,254
Average equity	$3,767,330	7,189
Average total loans	$19,346,000	7,107
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1741%	4,170
Cost of funding earning assets	1.2760%	4,956
Net interest margin	3.8981%	3,335
Noninterest income to average assets	0.7197%	2,469
Noninterest expense to average assets	3.3156%	2,475
Loan and lease loss provision to assets	0.0386%	6,292
Net operating income to assets	0.8342%	2,822
Return on assets (ROA)	0.6169%	3,962
Pretax return on assets	0.6940%	4,256
Return on Equity (ROE)	5.1433%	4,285
Retained earnings to average equity (ytd only)	5.1433%	3,072
Net charge-offs to loans	0.0000%	5,609
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.2455%	3,027
Assets per employee ($millions)	2.4443%	7,286
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	0.9794%	6,559
Loan loss allowance to noncurrent loans	85.7143%	3,199
Noncurrent assets plus other real estate owned to assets	0.7112%	5,740
Noncurrent loans to loans	1.1426%	5,089
Net loans and leases to total assets	59.1799%	5,260
Net loans and leases to deposits	67.3894%	5,661
Net loans and leases to core deposits	68.1637%	6,082
Total domestic deposits to total assets	87.8178%	2,161
Equity capital to assets	11.8391%	2,141
Core capital (leverage) ratio	12.0618%	1,622
Tier 1 risk-based capital ratio	21.3311%	1,295
Total risk-based capital ratio	22.3891%	1,296
Memoranda:
Average total assets	$31,125,500	7,402
Average earning assets	$28,526,500	7,371
Average equity	$3,733,000	7,275
Average total loans	$19,206,500	7,203
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3047%	5,153
Cost of funding earning assets	1.5978%	5,038
Net interest margin	3.7069%	4,106
Noninterest income to average assets	0.6787%	3,091
Noninterest expense to average assets	3.5072%	2,358
Loan and lease loss provision to assets	0.1378%	6,266
Net operating income to assets	0.4241%	4,035
Return on assets (ROA)	0.4617%	4,002
Pretax return on assets	0.4685%	4,292
Return on Equity (ROE)	3.6870%	4,211
Retained earnings to average equity (ytd only)	3.6870%	2,608
Net charge-offs to loans	0.0187%	6,961
Credit loss provision to net charge-offs	1,333.3333%	226
Earnings coverage of net charge-offs (x)	55.0000%	480
Efficiency ratio	86.0524%	2,108
Assets per employee ($millions)	2.3442%	7,415
Cash dividends to net income (ytd only)*	0.0000%	4,015
Condition Ratios (%)
Loss allowance to loans	0.9422%	6,667
Loan loss allowance to noncurrent loans	55.9633%	4,641
Noncurrent assets plus other real estate owned to assets	1.1025%	4,888
Noncurrent loans to loans	1.6837%	4,124
Net loans and leases to total assets	63.1304%	4,781
Net loans and leases to deposits	72.1210%	5,308
Net loans and leases to core deposits	83.1597%	5,806
Total domestic deposits to total assets	87.5340%	2,201
Equity capital to assets	12.1542%	1,931
Core capital (leverage) ratio	12.2791%	1,541
Tier 1 risk-based capital ratio	20.5812%	1,364
Total risk-based capital ratio	21.6038%	1,363
Memoranda:
Average total assets	$29,026,000	7,508
Average earning assets	$26,599,000	7,477
Average equity	$3,634,400	7,409
Average total loans	$16,058,200	7,403
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2594%	5,636
Cost of funding earning assets	1.6670%	5,076
Net interest margin	3.5924%	4,506
Noninterest income to average assets	0.6652%	3,251
Noninterest expense to average assets	3.4421%	2,443
Loan and lease loss provision to assets	0.0233%	7,122
Net operating income to assets	0.4865%	4,045
Return on assets (ROA)	0.6233%	3,576
Pretax return on assets	0.6373%	4,063
Return on Equity (ROE)	4.9395%	3,992
Retained earnings to average equity (ytd only)	4.9395%	2,525
Net charge-offs to loans	0.0087%	6,833
Credit loss provision to net charge-offs	500.0000%	781
Earnings coverage of net charge-offs (x)	112.2782%	326
Efficiency ratio	86.8545%	1,977
Assets per employee ($millions)	2.1947%	7,617
Cash dividends to net income (ytd only)*	0.0000%	3,688
Condition Ratios (%)
Loss allowance to loans	0.8681%	6,896
Loan loss allowance to noncurrent loans	333.3333%	916
Noncurrent assets plus other real estate owned to assets	0.2734%	6,821
Noncurrent loans to loans	0.2604%	6,858
Net loans and leases to total assets	60.0400%	5,574
Net loans and leases to deposits	69.2457%	6,005
Net loans and leases to core deposits	80.7410%	6,287
Total domestic deposits to total assets	86.7057%	2,326
Equity capital to assets	12.9438%	1,721
Core capital (leverage) ratio	12.5794%	1,548
Tier 1 risk-based capital ratio	22.2101%	1,199
Total risk-based capital ratio	23.1194%	1,215
Memoranda:
Average total assets	$28,663,750	7,585
Average earning assets	$26,314,250	7,559
Average equity	$3,617,000	7,474
Average total loans	$15,217,250	7,506
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1012%	6,433
Cost of funding earning assets	1.7232%	5,160
Net interest margin	3.3780%	5,258
Noninterest income to average assets	0.6409%	3,409
Noninterest expense to average assets	3.3858%	2,672
Loan and lease loss provision to assets	0.0279%	6,964
Net operating income to assets	0.3274%	4,774
Return on assets (ROA)	0.3274%	4,895
Pretax return on assets	0.3274%	5,142
Return on Equity (ROE)	2.6172%	5,051
Retained earnings to average equity (ytd only)	2.6172%	3,870
Net charge-offs to loans	0.0138%	6,359
Credit loss provision to net charge-offs	400.0000%	1,152
Earnings coverage of net charge-offs (x)	51.0000%	675
Efficiency ratio	90.5028%	1,765
Assets per employee ($millions)	2.3238%	7,518
Cash dividends to net income (ytd only)*	0.0000%	3,532
Condition Ratios (%)
Loss allowance to loans	0.9858%	6,347
Loan loss allowance to noncurrent loans	63.4043%	4,277
Noncurrent assets plus other real estate owned to assets	0.8872%	5,213
Noncurrent loans to loans	1.5548%	4,161
Net loans and leases to total assets	49.5382%	6,914
Net loans and leases to deposits	56.5144%	7,128
Net loans and leases to core deposits	64.5683%	7,270
Total domestic deposits to total assets	87.6560%	1,950
Equity capital to assets	12.0030%	2,200
Core capital (leverage) ratio	12.3792%	1,661
Tier 1 risk-based capital ratio	22.7536%	1,166
Total risk-based capital ratio	23.7025%	1,160
Memoranda:
Average total assets	$28,708,000	7,653
Average earning assets	$26,346,670	7,626
Average equity	$3,591,670	7,542
Average total loans	$14,529,670	7,617
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2213%	6,216
Cost of funding earning assets	1.8243%	5,003
Net interest margin	3.3970%	5,151
Noninterest income to average assets	0.6724%	3,055
Noninterest expense to average assets	3.5482%	1,975
Loan and lease loss provision to assets	0.0286%	6,568
Net operating income to assets	0.1860%	5,698
Return on assets (ROA)	0.1860%	5,873
Pretax return on assets	0.1860%	5,975
Return on Equity (ROE)	1.4547%	5,986
Retained earnings to average equity (ytd only)	1.4547%	5,039
Net charge-offs to loans	0.0000%	5,728
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	94.2966%	1,414
Assets per employee ($millions)	2.0091%	7,892
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	1.0411%	5,862
Loan loss allowance to noncurrent loans	124.3697%	2,523
Noncurrent assets plus other real estate owned to assets	0.5404%	5,860
Noncurrent loans to loans	0.8371%	5,348
Net loans and leases to total assets	50.0142%	6,865
Net loans and leases to deposits	57.5449%	7,064
Net loans and leases to core deposits	65.9201%	7,243
Total domestic deposits to total assets	86.9134%	2,260
Equity capital to assets	12.7204%	1,872
Core capital (leverage) ratio	12.7988%	1,562
Tier 1 risk-based capital ratio	23.9753%	1,086
Total risk-based capital ratio	24.9780%	1,086
Memoranda:
Average total assets	$27,957,500	7,732
Average earning assets	$25,434,500	7,708
Average equity	$3,574,500	7,596
Average total loans	$14,237,500	7,674
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.8916%	6,079
Cost of funding earning assets	2.2710%	5,286
Net interest margin	3.6206%	4,784
Noninterest income to average assets	0.6605%	3,401
Noninterest expense to average assets	3.2457%	3,166
Loan and lease loss provision to assets	0.0340%	6,980
Net operating income to assets	0.7322%	3,750
Return on assets (ROA)	0.7322%	3,584
Pretax return on assets	0.7624%	4,208
Return on Equity (ROE)	5.4802%	4,169
Retained earnings to average equity (ytd only)	2.9379%	3,348
Net charge-offs to loans	0.0438%	6,160
Credit loss provision to net charge-offs	150.0000%	3,499
Earnings coverage of net charge-offs (x)	35.1667%	1,029
Efficiency ratio	80.2988%	2,553
Assets per employee ($millions)	1.9848%	7,921
Cash dividends to net income (ytd only)*	46.3918%	3,318
Condition Ratios (%)
Loss allowance to loans	1.0239%	5,829
Loan loss allowance to noncurrent loans	59.3496%	5,042
Noncurrent assets plus other real estate owned to assets	0.8853%	4,643
Noncurrent loans to loans	1.7252%	3,177
Net loans and leases to total assets	50.7899%	6,955
Net loans and leases to deposits	58.5116%	7,177
Net loans and leases to core deposits	67.1376%	7,322
Total domestic deposits to total assets	86.8032%	2,033
Equity capital to assets	12.8513%	1,849
Core capital (leverage) ratio	13.1637%	1,492
Tier 1 risk-based capital ratio	24.0166%	1,087
Total risk-based capital ratio	25.0119%	1,088
Memoranda:
Average total assets	$26,496,200	7,786
Average earning assets	$24,747,200	7,755
Average equity	$3,540,000	7,664
Average total loans	$13,704,600	7,722