Home > First Texas Bank > Performance and Condition Ratios

First Texas Bank, Performance and Condition Ratios

Basic Info Reviews History Routing Number Locations

2025-03-31		Rank
Percentage of unprofitable institutions	0.0000%	303
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5142%	3,876
Cost of funding earning assets	1.1843%	3,769
Net interest margin	3.3299%	2,711
Noninterest income to average assets	0.4200%	2,117
Noninterest expense to average assets	1.7924%	3,926
Loan and lease loss provision to assets	-0.0400%	4,250
Net operating income to assets	1.4946%	1,101
Return on assets (ROA)	1.4946%	1,101
Pretax return on assets	1.8818%	831
Return on Equity (ROE)	15.4800%	982
Retained earnings to average equity (ytd only)	8.2196%	1,628
Net charge-offs to loans	-0.0889%	4,379
Credit loss provision to net charge-offs	0.0000%	1,760
Earnings coverage of net charge-offs (x)	0.0000%	2,230
Efficiency ratio	49.3012%	3,934
Assets per employee ($millions)	10.7619%	630
Cash dividends to net income (ytd only)*	46.8933%	1,303
Condition Ratios (%)
Loss allowance to loans	0.4885%	4,264
Loan loss allowance to noncurrent loans	0.0000%	3,773
Noncurrent assets plus other real estate owned to assets	0.0000%	3,816
Noncurrent loans to loans	0.0000%	3,787
Net loans and leases to total assets	37.8600%	4,038
Net loans and leases to deposits	42.4115%	4,080
Net loans and leases to core deposits	49.3875%	3,996
Total domestic deposits to total assets	89.2600%	1,070
Equity capital to assets	9.8827%	2,299
Core capital (leverage) ratio	9.6676%	3,110
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.2869%	500
Memoranda:
Average total assets	$228,292,500	2,846
Average earning assets	$220,548,500	2,792
Average equity	$22,045,000	2,884
Average total loans	$85,474,500	3,369
2024-12-31		Rank
Percentage of unprofitable institutions	0.0000%	319
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2959%	4,082
Cost of funding earning assets	1.1370%	3,893
Net interest margin	3.1589%	2,800
Noninterest income to average assets	0.4500%	2,176
Noninterest expense to average assets	1.8345%	3,904
Loan and lease loss provision to assets	-0.0400%	4,239
Net operating income to assets	1.3466%	1,186
Return on assets (ROA)	1.3466%	1,182
Pretax return on assets	1.6942%	981
Return on Equity (ROE)	13.7300%	1,186
Retained earnings to average equity (ytd only)	6.6058%	1,585
Net charge-offs to loans	-0.0558%	4,350
Credit loss provision to net charge-offs	0.0000%	2,577
Earnings coverage of net charge-offs (x)	0.0000%	2,991
Efficiency ratio	52.5143%	3,849
Assets per employee ($millions)	10.4811%	668
Cash dividends to net income (ytd only)*	51.9031%	1,538
Condition Ratios (%)
Loss allowance to loans	0.4990%	4,273
Loan loss allowance to noncurrent loans	0.0000%	3,770
Noncurrent assets plus other real estate owned to assets	0.0000%	3,816
Noncurrent loans to loans	0.0000%	3,787
Net loans and leases to total assets	36.6700%	4,098
Net loans and leases to deposits	40.8376%	4,135
Net loans and leases to core deposits	47.4525%	4,064
Total domestic deposits to total assets	89.7900%	887
Equity capital to assets	9.4347%	2,507
Core capital (leverage) ratio	9.9827%	2,760
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.9050%	529
Memoranda:
Average total assets	$214,612,800	2,902
Average earning assets	$206,593,800	2,846
Average equity	$21,042,200	2,895
Average total loans	$87,780,200	3,329
2024-09-30		Rank
Percentage of unprofitable institutions	0.0000%	305
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3063%	4,055
Cost of funding earning assets	1.0963%	3,941
Net interest margin	3.2100%	2,668
Noninterest income to average assets	0.4600%	2,078
Noninterest expense to average assets	1.9042%	3,747
Loan and lease loss provision to assets	-0.0300%	4,235
Net operating income to assets	1.3313%	1,251
Return on assets (ROA)	1.3313%	1,251
Pretax return on assets	1.6744%	1,054
Return on Equity (ROE)	13.4400%	1,266
Retained earnings to average equity (ytd only)	6.2498%	2,006
Net charge-offs to loans	-0.0211%	4,166
Credit loss provision to net charge-offs	0.0000%	2,285
Earnings coverage of net charge-offs (x)	0.0000%	2,734
Efficiency ratio	53.6664%	3,753
Assets per employee ($millions)	9.0124%	1,056
Cash dividends to net income (ytd only)*	53.4950%	1,247
Condition Ratios (%)
Loss allowance to loans	0.4608%	4,331
Loan loss allowance to noncurrent loans	0.0000%	3,813
Noncurrent assets plus other real estate owned to assets	0.0000%	3,861
Noncurrent loans to loans	0.0000%	3,830
Net loans and leases to total assets	41.5500%	3,980
Net loans and leases to deposits	46.6064%	4,048
Net loans and leases to core deposits	53.4933%	3,967
Total domestic deposits to total assets	89.1400%	853
Equity capital to assets	9.9590%	2,330
Core capital (leverage) ratio	9.9503%	2,882
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.5137%	559
Memoranda:
Average total assets	$210,619,750	2,927
Average earning assets	$202,489,250	2,876
Average equity	$20,864,000	2,905
Average total loans	$88,482,500	3,329
2024-06-30		Rank
Percentage of unprofitable institutions	0.0000%	306
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2314%	4,105
Cost of funding earning assets	0.9986%	4,017
Net interest margin	3.2328%	2,564
Noninterest income to average assets	0.4600%	2,045
Noninterest expense to average assets	1.9212%	3,713
Loan and lease loss provision to assets	-0.0400%	4,291
Net operating income to assets	1.3443%	1,179
Return on assets (ROA)	1.3443%	1,193
Pretax return on assets	1.6902%	992
Return on Equity (ROE)	13.6000%	1,239
Retained earnings to average equity (ytd only)	6.3280%	1,891
Net charge-offs to loans	-0.0410%	4,293
Credit loss provision to net charge-offs	0.0000%	2,036
Earnings coverage of net charge-offs (x)	0.0000%	2,538
Efficiency ratio	53.7966%	3,767
Assets per employee ($millions)	8.0894%	1,405
Cash dividends to net income (ytd only)*	53.4569%	1,332
Condition Ratios (%)
Loss allowance to loans	0.4863%	4,338
Loan loss allowance to noncurrent loans	10,675.0000%	113
Noncurrent assets plus other real estate owned to assets	0.0019%	3,819
Noncurrent loans to loans	0.0046%	3,759
Net loans and leases to total assets	41.5500%	3,996
Net loans and leases to deposits	46.5975%	4,048
Net loans and leases to core deposits	53.1086%	3,979
Total domestic deposits to total assets	89.1600%	957
Equity capital to assets	9.9717%	2,085
Core capital (leverage) ratio	10.0822%	2,747
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.3592%	571
Memoranda:
Average total assets	$208,727,333	2,939
Average earning assets	$200,881,333	2,887
Average equity	$20,638,333	2,886
Average total loans	$87,883,000	3,335
2024-03-31		Rank
Percentage of unprofitable institutions	0.0000%	11
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1332%	4,141
Cost of funding earning assets	0.8370%	4,143
Net interest margin	3.2962%	2,353
Noninterest income to average assets	0.4600%	1,966
Noninterest expense to average assets	1.9141%	3,755
Loan and lease loss provision to assets	-0.0300%	4,282
Net operating income to assets	1.3947%	1,068
Return on assets (ROA)	1.3947%	1,073
Pretax return on assets	1.7544%	883
Return on Equity (ROE)	14.1700%	1,112
Retained earnings to average equity (ytd only)	6.8389%	1,877
Net charge-offs to loans	-0.0682%	4,394
Credit loss provision to net charge-offs	0.0000%	1,619
Earnings coverage of net charge-offs (x)	0.0000%	2,130
Efficiency ratio	52.5621%	3,858
Assets per employee ($millions)	8.0035%	1,448
Cash dividends to net income (ytd only)*	51.7241%	1,242
Condition Ratios (%)
Loss allowance to loans	0.5061%	4,312
Loan loss allowance to noncurrent loans	3,500.0000%	313
Noncurrent assets plus other real estate owned to assets	0.0062%	3,785
Noncurrent loans to loans	0.0145%	3,681
Net loans and leases to total assets	42.9900%	3,925
Net loans and leases to deposits	48.2118%	3,990
Net loans and leases to core deposits	53.5760%	3,988
Total domestic deposits to total assets	89.1700%	1,055
Equity capital to assets	9.9125%	2,067
Core capital (leverage) ratio	10.0555%	2,712
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.9836%	545
Memoranda:
Average total assets	$207,928,500	2,946
Average earning assets	$200,714,500	2,892
Average equity	$20,471,000	2,919
Average total loans	$87,917,500	3,346
2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8114%	4,172
Cost of funding earning assets	0.3457%	4,341
Net interest margin	3.4657%	2,264
Noninterest income to average assets	0.4800%	2,084
Noninterest expense to average assets	1.8786%	3,876
Loan and lease loss provision to assets	-0.0900%	4,508
Net operating income to assets	1.6166%	841
Return on assets (ROA)	1.6166%	811
Pretax return on assets	2.0356%	633
Return on Equity (ROE)	17.2200%	923
Retained earnings to average equity (ytd only)	9.4560%	1,142
Net charge-offs to loans	-0.2115%	4,563
Credit loss provision to net charge-offs	0.0000%	2,397
Earnings coverage of net charge-offs (x)	0.0000%	2,831
Efficiency ratio	49.1480%	4,034
Assets per employee ($millions)	7.9910%	1,444
Cash dividends to net income (ytd only)*	45.0992%	1,850
Condition Ratios (%)
Loss allowance to loans	0.5272%	4,316
Loan loss allowance to noncurrent loans	2,157.1429%	504
Noncurrent assets plus other real estate owned to assets	0.0101%	3,713
Noncurrent loans to loans	0.0244%	3,571
Net loans and leases to total assets	41.1400%	3,994
Net loans and leases to deposits	46.0244%	4,047
Net loans and leases to core deposits	49.1721%	4,099
Total domestic deposits to total assets	89.3800%	954
Equity capital to assets	9.7778%	2,141
Core capital (leverage) ratio	10.0321%	2,756
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.8946%	546
Memoranda:
Average total assets	$205,737,200	2,950
Average earning assets	$198,457,800	2,884
Average equity	$19,310,400	2,921
Average total loans	$87,482,000	3,326
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7315%	4,176
Cost of funding earning assets	0.2897%	4,371
Net interest margin	3.4418%	2,359
Noninterest income to average assets	0.4900%	2,012
Noninterest expense to average assets	1.8600%	3,869
Loan and lease loss provision to assets	-0.0100%	4,305
Net operating income to assets	1.5527%	1,015
Return on assets (ROA)	1.5527%	1,007
Pretax return on assets	1.9548%	799
Return on Equity (ROE)	16.7200%	1,130
Retained earnings to average equity (ytd only)	10.1575%	1,360
Net charge-offs to loans	0.0425%	1,277
Credit loss provision to net charge-offs	-57.1429%	4,506
Earnings coverage of net charge-offs (x)	106.8929%	891
Efficiency ratio	48.8900%	3,991
Assets per employee ($millions)	8.1838%	1,264
Cash dividends to net income (ytd only)*	39.2469%	1,687
Condition Ratios (%)
Loss allowance to loans	0.4871%	4,356
Loan loss allowance to noncurrent loans	862.5000%	983
Noncurrent assets plus other real estate owned to assets	0.0235%	3,584
Noncurrent loans to loans	0.0565%	3,350
Net loans and leases to total assets	41.3400%	4,010
Net loans and leases to deposits	46.2141%	4,046
Net loans and leases to core deposits	48.3179%	4,082
Total domestic deposits to total assets	89.4600%	1,086
Equity capital to assets	9.6469%	2,019
Core capital (leverage) ratio	9.8434%	2,959
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.7397%	570
Memoranda:
Average total assets	$205,229,750	2,957
Average earning assets	$197,912,000	2,890
Average equity	$19,059,250	2,933
Average total loans	$87,871,750	3,320
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6260%	4,226
Cost of funding earning assets	0.2434%	4,385
Net interest margin	3.3826%	2,565
Noninterest income to average assets	0.4900%	1,926
Noninterest expense to average assets	1.8711%	3,878
Loan and lease loss provision to assets	-0.0400%	4,482
Net operating income to assets	1.5245%	1,058
Return on assets (ROA)	1.5245%	1,054
Pretax return on assets	1.9198%	835
Return on Equity (ROE)	16.6300%	1,158
Retained earnings to average equity (ytd only)	9.9929%	1,405
Net charge-offs to loans	0.0113%	1,779
Credit loss provision to net charge-offs	-900.0000%	4,616
Earnings coverage of net charge-offs (x)	385.4000%	373
Efficiency ratio	49.9350%	3,937
Assets per employee ($millions)	8.3957%	1,139
Cash dividends to net income (ytd only)*	39.9106%	1,701
Condition Ratios (%)
Loss allowance to loans	0.4721%	4,402
Loan loss allowance to noncurrent loans	1,071.0526%	915
Noncurrent assets plus other real estate owned to assets	0.0189%	3,642
Noncurrent loans to loans	0.0441%	3,404
Net loans and leases to total assets	42.5900%	3,941
Net loans and leases to deposits	47.5483%	4,002
Net loans and leases to core deposits	49.1444%	4,042
Total domestic deposits to total assets	89.5600%	1,066
Equity capital to assets	9.5759%	2,110
Core capital (leverage) ratio	9.6396%	3,104
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.0354%	634
Memoranda:
Average total assets	$205,441,667	2,965
Average earning assets	$198,015,333	2,903
Average equity	$18,833,333	2,961
Average total loans	$88,830,333	3,309
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4981%	4,272
Cost of funding earning assets	0.1921%	4,393
Net interest margin	3.3060%	2,861
Noninterest income to average assets	0.4800%	1,921
Noninterest expense to average assets	1.8803%	3,898
Loan and lease loss provision to assets	-0.0300%	4,479
Net operating income to assets	1.4464%	1,296
Return on assets (ROA)	1.4464%	1,266
Pretax return on assets	1.8224%	1,032
Return on Equity (ROE)	16.1300%	1,331
Retained earnings to average equity (ytd only)	9.3966%	1,839
Net charge-offs to loans	0.0311%	1,086
Credit loss provision to net charge-offs	-257.1429%	4,614
Earnings coverage of net charge-offs (x)	132.4286%	656
Efficiency ratio	51.2618%	3,835
Assets per employee ($millions)	8.9122%	968
Cash dividends to net income (ytd only)*	41.7333%	1,414
Condition Ratios (%)
Loss allowance to loans	0.4826%	4,447
Loan loss allowance to noncurrent loans	847.0588%	1,110
Noncurrent assets plus other real estate owned to assets	0.0249%	3,537
Noncurrent loans to loans	0.0570%	3,330
Net loans and leases to total assets	43.4600%	3,891
Net loans and leases to deposits	48.3182%	3,950
Net loans and leases to core deposits	49.2272%	4,013
Total domestic deposits to total assets	89.9400%	1,175
Equity capital to assets	9.1921%	2,376
Core capital (leverage) ratio	9.3265%	3,383
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.7831%	763
Memoranda:
Average total assets	$207,414,500	2,984
Average earning assets	$199,879,000	2,930
Average equity	$18,602,500	3,013
Average total loans	$90,137,000	3,331
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1212%	3,957
Cost of funding earning assets	0.0544%	4,567
Net interest margin	3.0668%	3,271
Noninterest income to average assets	0.4700%	2,269
Noninterest expense to average assets	1.8276%	3,975
Loan and lease loss provision to assets	-0.0400%	4,387
Net operating income to assets	1.3039%	1,410
Return on assets (ROA)	1.3039%	1,375
Pretax return on assets	1.6399%	1,059
Return on Equity (ROE)	14.4200%	1,428
Retained earnings to average equity (ytd only)	7.5204%	2,019
Net charge-offs to loans	-0.0021%	3,459
Credit loss provision to net charge-offs	0.0000%	1,979
Earnings coverage of net charge-offs (x)	0.0000%	2,564
Efficiency ratio	53.3518%	3,849
Assets per employee ($millions)	8.0711%	1,282
Cash dividends to net income (ytd only)*	47.8560%	1,505
Condition Ratios (%)
Loss allowance to loans	0.4661%	4,469
Loan loss allowance to noncurrent loans	769.0909%	1,204
Noncurrent assets plus other real estate owned to assets	0.0262%	3,563
Noncurrent loans to loans	0.0606%	3,317
Net loans and leases to total assets	43.0500%	3,925
Net loans and leases to deposits	47.5834%	3,990
Net loans and leases to core deposits	48.1315%	4,051
Total domestic deposits to total assets	90.4700%	1,166
Equity capital to assets	8.7506%	2,530
Core capital (leverage) ratio	9.1948%	3,479
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.0189%	827
Memoranda:
Average total assets	$200,318,400	3,044
Average earning assets	$193,067,800	2,988
Average equity	$18,110,800	3,114
Average total loans	$93,350,200	3,243
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0570%	3,777
Cost of funding earning assets	0.0266%	4,646
Net interest margin	3.0304%	3,142
Noninterest income to average assets	0.4800%	2,264
Noninterest expense to average assets	1.8181%	3,948
Loan and lease loss provision to assets	-0.0400%	4,466
Net operating income to assets	1.2886%	1,393
Return on assets (ROA)	1.2886%	1,362
Pretax return on assets	1.6207%	1,067
Return on Equity (ROE)	14.1300%	1,397
Retained earnings to average equity (ytd only)	10.4387%	1,217
Net charge-offs to loans	0.0000%	2,349
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	0.0000%	2,297
Efficiency ratio	53.5410%	3,859
Assets per employee ($millions)	8.1218%	1,260
Cash dividends to net income (ytd only)*	26.1370%	2,209
Condition Ratios (%)
Loss allowance to loans	0.4826%	4,486
Loan loss allowance to noncurrent loans	701.5873%	1,247
Noncurrent assets plus other real estate owned to assets	0.0310%	3,609
Noncurrent loans to loans	0.0688%	3,382
Net loans and leases to total assets	44.8900%	3,825
Net loans and leases to deposits	49.8286%	3,865
Net loans and leases to core deposits	50.5664%	3,922
Total domestic deposits to total assets	90.0900%	1,619
Equity capital to assets	9.0734%	2,160
Core capital (leverage) ratio	9.3139%	3,268
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.6593%	769
Memoranda:
Average total assets	$197,936,000	3,079
Average earning assets	$190,729,500	3,018
Average equity	$18,047,750	3,158
Average total loans	$93,997,250	3,246
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0160%	3,519
Cost of funding earning assets	0.0191%	4,718
Net interest margin	2.9969%	2,886
Noninterest income to average assets	0.4770%	2,321
Noninterest expense to average assets	1.8050%	3,939
Loan and lease loss provision to assets	-0.0296%	4,464
Net operating income to assets	1.2618%	1,248
Return on assets (ROA)	1.2618%	1,230
Pretax return on assets	1.5869%	970
Return on Equity (ROE)	13.8149%	1,162
Retained earnings to average equity (ytd only)	13.8149%	381
Net charge-offs to loans	0.0000%	2,156
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	53.6829%	3,994
Assets per employee ($millions)	8.3211%	1,145
Cash dividends to net income (ytd only)*	0.0000%	2,927
Condition Ratios (%)
Loss allowance to loans	0.5207%	4,534
Loan loss allowance to noncurrent loans	662.5000%	1,276
Noncurrent assets plus other real estate owned to assets	0.0361%	3,621
Noncurrent loans to loans	0.0786%	3,391
Net loans and leases to total assets	45.6359%	3,732
Net loans and leases to deposits	50.7134%	3,772
Net loans and leases to core deposits	51.4776%	3,845
Total domestic deposits to total assets	89.9878%	1,711
Equity capital to assets	9.1729%	2,261
Core capital (leverage) ratio	9.2592%	3,179
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$196,233,333	3,118
Average earning assets	$188,927,333	3,070
Average equity	$17,922,667	3,244
Average total loans	$94,800,333	3,258
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0114%	3,222
Cost of funding earning assets	0.0192%	4,737
Net interest margin	2.9922%	2,528
Noninterest income to average assets	0.4771%	2,260
Noninterest expense to average assets	1.8530%	3,803
Loan and lease loss provision to assets	0.0782%	1,055
Net operating income to assets	1.1394%	1,404
Return on assets (ROA)	1.1394%	1,406
Pretax return on assets	1.4314%	1,172
Return on Equity (ROE)	12.5025%	1,158
Retained earnings to average equity (ytd only)	12.5025%	528
Net charge-offs to loans	0.0000%	1,838
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	55.1070%	3,962
Assets per employee ($millions)	8.5285%	1,099
Cash dividends to net income (ytd only)*	0.0000%	2,254
Condition Ratios (%)
Loss allowance to loans	0.5652%	4,531
Loan loss allowance to noncurrent loans	680.0000%	1,203
Noncurrent assets plus other real estate owned to assets	0.0408%	3,621
Noncurrent loans to loans	0.0831%	3,424
Net loans and leases to total assets	48.7920%	3,302
Net loans and leases to deposits	54.2009%	3,403
Net loans and leases to core deposits	55.0863%	3,518
Total domestic deposits to total assets	90.0206%	1,551
Equity capital to assets	9.1168%	2,613
Core capital (leverage) ratio	9.1195%	3,228
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$194,496,500	3,140
Average earning assets	$187,554,000	3,094
Average equity	$17,724,500	3,347
Average total loans	$96,393,000	3,241
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0372%	3,803
Cost of funding earning assets	0.0389%	4,734
Net interest margin	2.9983%	3,196
Noninterest income to average assets	0.5153%	2,502
Noninterest expense to average assets	1.8994%	3,924
Loan and lease loss provision to assets	0.0110%	2,862
Net operating income to assets	1.1812%	1,989
Return on assets (ROA)	1.1812%	2,053
Pretax return on assets	1.4837%	1,779
Return on Equity (ROE)	12.5246%	1,641
Retained earnings to average equity (ytd only)	5.2361%	2,700
Net charge-offs to loans	-0.0049%	3,550
Credit loss provision to net charge-offs	-500.0000%	3,758
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	55.9624%	3,708
Assets per employee ($millions)	8.3843%	1,128
Cash dividends to net income (ytd only)*	58.1937%	1,163
Condition Ratios (%)
Loss allowance to loans	0.5242%	4,602
Loan loss allowance to noncurrent loans	568.5393%	1,297
Noncurrent assets plus other real estate owned to assets	0.0462%	3,672
Noncurrent loans to loans	0.0922%	3,462
Net loans and leases to total assets	49.7972%	3,308
Net loans and leases to deposits	55.2988%	3,486
Net loans and leases to core deposits	56.2189%	3,601
Total domestic deposits to total assets	90.0512%	935
Equity capital to assets	9.1092%	3,504
Core capital (leverage) ratio	9.1767%	3,197
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$181,848,800	3,196
Average earning assets	$174,601,000	3,133
Average equity	$17,150,200	3,448
Average total loans	$82,420,200	3,433
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0256%	3,953
Cost of funding earning assets	0.0435%	4,802
Net interest margin	2.9822%	3,349
Noninterest income to average assets	0.5196%	2,541
Noninterest expense to average assets	1.9140%	3,911
Loan and lease loss provision to assets	-0.0045%	4,303
Net operating income to assets	1.1717%	2,266
Return on assets (ROA)	1.1717%	2,327
Pretax return on assets	1.4710%	2,078
Return on Equity (ROE)	12.3113%	1,932
Retained earnings to average equity (ytd only)	4.4896%	3,408
Net charge-offs to loans	0.0000%	2,463
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	56.6175%	3,457
Assets per employee ($millions)	7.4451%	1,600
Cash dividends to net income (ytd only)*	63.5324%	750
Condition Ratios (%)
Loss allowance to loans	0.5714%	4,649
Loan loss allowance to noncurrent loans	490.7216%	1,380
Noncurrent assets plus other real estate owned to assets	0.0521%	3,795
Noncurrent loans to loans	0.1164%	3,508
Net loans and leases to total assets	44.5008%	3,911
Net loans and leases to deposits	49.6021%	4,021
Net loans and leases to core deposits	50.4606%	4,113
Total domestic deposits to total assets	89.7156%	911
Equity capital to assets	9.3211%	3,538
Core capital (leverage) ratio	9.2982%	3,218
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$179,101,500	3,247
Average earning assets	$171,817,750	3,199
Average equity	$17,046,250	3,507
Average total loans	$78,891,750	3,542
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9290%	4,178
Cost of funding earning assets	0.0484%	4,829
Net interest margin	2.8807%	3,623
Noninterest income to average assets	0.5137%	2,570
Noninterest expense to average assets	1.9529%	3,830
Loan and lease loss provision to assets	-0.0611%	4,548
Net operating income to assets	1.1043%	2,531
Return on assets (ROA)	1.1043%	2,597
Pretax return on assets	1.3849%	2,380
Return on Equity (ROE)	11.5194%	2,225
Retained earnings to average equity (ytd only)	2.6674%	3,951
Net charge-offs to loans	-0.0129%	3,788
Credit loss provision to net charge-offs	1,080.0000%	452
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	59.5994%	3,068
Assets per employee ($millions)	6.7790%	1,965
Cash dividends to net income (ytd only)*	76.8443%	540
Condition Ratios (%)
Loss allowance to loans	0.5514%	4,704
Loan loss allowance to noncurrent loans	400.9259%	1,520
Noncurrent assets plus other real estate owned to assets	0.0590%	3,840
Noncurrent loans to loans	0.1375%	3,507
Net loans and leases to total assets	42.6707%	4,131
Net loans and leases to deposits	47.5287%	4,245
Net loans and leases to core deposits	48.5151%	4,302
Total domestic deposits to total assets	89.7788%	882
Equity capital to assets	9.2913%	3,516
Core capital (leverage) ratio	9.2927%	3,131
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$176,759,667	3,273
Average earning assets	$169,544,667	3,224
Average equity	$16,945,333	3,519
Average total loans	$77,421,000	3,592
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0027%	4,080
Cost of funding earning assets	0.0576%	4,832
Net interest margin	2.9451%	3,392
Noninterest income to average assets	0.5115%	2,559
Noninterest expense to average assets	1.9698%	3,805
Loan and lease loss provision to assets	-0.1198%	4,744
Net operating income to assets	1.1865%	2,205
Return on assets (ROA)	1.1865%	2,274
Pretax return on assets	1.4883%	2,031
Return on Equity (ROE)	12.1785%	1,951
Retained earnings to average equity (ytd only)	3.3107%	3,684
Net charge-offs to loans	-0.0156%	3,878
Credit loss provision to net charge-offs	1,733.3333%	273
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	59.0062%	3,157
Assets per employee ($millions)	7.3875%	1,528
Cash dividends to net income (ytd only)*	72.8155%	675
Condition Ratios (%)
Loss allowance to loans	0.5907%	4,688
Loan loss allowance to noncurrent loans	373.2759%	1,468
Noncurrent assets plus other real estate owned to assets	0.0654%	3,908
Noncurrent loans to loans	0.1582%	3,542
Net loans and leases to total assets	41.1027%	4,288
Net loans and leases to deposits	45.9379%	4,355
Net loans and leases to core deposits	46.9256%	4,411
Total domestic deposits to total assets	89.4743%	1,079
Equity capital to assets	9.5527%	3,146
Core capital (leverage) ratio	9.7561%	2,768
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$173,623,500	3,298
Average earning assets	$166,652,000	3,241
Average equity	$16,915,000	3,516
Average total loans	$76,864,500	3,619
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6170%	3,764
Cost of funding earning assets	0.0915%	4,879
Net interest margin	3.5255%	2,393
Noninterest income to average assets	0.6111%	2,180
Noninterest expense to average assets	2.1131%	3,908
Loan and lease loss provision to assets	0.0916%	3,210
Net operating income to assets	1.4284%	955
Return on assets (ROA)	1.4284%	1,045
Pretax return on assets	1.7628%	740
Return on Equity (ROE)	13.3392%	954
Retained earnings to average equity (ytd only)	2.2731%	3,719
Net charge-offs to loans	-0.0252%	4,487
Credit loss provision to net charge-offs	-752.6316%	4,002
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	53.2612%	4,285
Assets per employee ($millions)	6.5364%	1,894
Cash dividends to net income (ytd only)*	82.9596%	562
Condition Ratios (%)
Loss allowance to loans	0.5981%	4,715
Loan loss allowance to noncurrent loans	378.7402%	1,434
Noncurrent assets plus other real estate owned to assets	0.0747%	3,962
Noncurrent loans to loans	0.1579%	3,651
Net loans and leases to total assets	47.0382%	4,050
Net loans and leases to deposits	52.7880%	4,179
Net loans and leases to core deposits	53.7242%	4,270
Total domestic deposits to total assets	89.1078%	940
Equity capital to assets	9.9402%	3,187
Core capital (leverage) ratio	9.9826%	2,625
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$156,118,000	3,327
Average earning assets	$148,630,600	3,284
Average equity	$16,717,600	3,482
Average total loans	$75,537,600	3,636
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6798%	3,840
Cost of funding earning assets	0.0965%	4,924
Net interest margin	3.5834%	2,328
Noninterest income to average assets	0.6550%	1,963
Noninterest expense to average assets	2.1476%	3,826
Loan and lease loss provision to assets	0.1048%	3,008
Net operating income to assets	1.4760%	952
Return on assets (ROA)	1.4760%	1,034
Pretax return on assets	1.8096%	761
Return on Equity (ROE)	13.5139%	972
Retained earnings to average equity (ytd only)	2.7188%	3,640
Net charge-offs to loans	-0.0269%	4,493
Credit loss provision to net charge-offs	-800.0000%	3,878
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	52.8704%	4,266
Assets per employee ($millions)	5.9976%	2,263
Cash dividends to net income (ytd only)*	79.8817%	591
Condition Ratios (%)
Loss allowance to loans	0.5612%	4,772
Loan loss allowance to noncurrent loans	334.5588%	1,506
Noncurrent assets plus other real estate owned to assets	0.0840%	4,013
Noncurrent loans to loans	0.1678%	3,710
Net loans and leases to total assets	49.7826%	4,109
Net loans and leases to deposits	56.2805%	4,242
Net loans and leases to core deposits	57.1320%	4,335
Total domestic deposits to total assets	88.4546%	989
Equity capital to assets	10.4234%	2,856
Core capital (leverage) ratio	10.2168%	2,509
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$152,660,750	3,354
Average earning assets	$145,147,750	3,305
Average equity	$16,673,750	3,483
Average total loans	$74,316,750	3,671
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7924%	3,873
Cost of funding earning assets	0.1002%	4,970
Net interest margin	3.6922%	2,190
Noninterest income to average assets	0.7502%	1,578
Noninterest expense to average assets	2.1956%	3,800
Loan and lease loss provision to assets	0.1203%	2,822
Net operating income to assets	1.5926%	774
Return on assets (ROA)	1.5926%	844
Pretax return on assets	1.9322%	635
Return on Equity (ROE)	14.3448%	818
Retained earnings to average equity (ytd only)	4.1071%	2,858
Net charge-offs to loans	-0.0305%	4,551
Credit loss provision to net charge-offs	-818.1818%	3,712
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	51.6840%	4,383
Assets per employee ($millions)	5.4732%	2,667
Cash dividends to net income (ytd only)*	71.3686%	902
Condition Ratios (%)
Loss allowance to loans	0.5393%	4,797
Loan loss allowance to noncurrent loans	307.2993%	1,513
Noncurrent assets plus other real estate owned to assets	0.0863%	4,096
Noncurrent loans to loans	0.1755%	3,745
Net loans and leases to total assets	48.9211%	4,213
Net loans and leases to deposits	55.4576%	4,315
Net loans and leases to core deposits	56.3143%	4,422
Total domestic deposits to total assets	88.2134%	1,080
Equity capital to assets	10.6424%	2,626
Core capital (leverage) ratio	10.5621%	2,311
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$149,569,667	3,364
Average earning assets	$141,706,000	3,330
Average equity	$16,605,333	3,490
Average total loans	$72,065,667	3,716
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9411%	3,955
Cost of funding earning assets	0.1170%	5,021
Net interest margin	3.8241%	1,890
Noninterest income to average assets	0.5186%	2,452
Noninterest expense to average assets	2.2594%	3,859
Loan and lease loss provision to assets	0.1655%	1,764
Net operating income to assets	1.3352%	1,144
Return on assets (ROA)	1.3352%	1,236
Pretax return on assets	1.6994%	859
Return on Equity (ROE)	11.7604%	1,176
Retained earnings to average equity (ytd only)	1.4336%	3,621
Net charge-offs to loans	-0.0521%	4,648
Credit loss provision to net charge-offs	-666.6667%	3,455
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	54.7826%	4,328
Assets per employee ($millions)	5.4865%	2,136
Cash dividends to net income (ytd only)*	87.8099%	892
Condition Ratios (%)
Loss allowance to loans	0.5613%	4,815
Loan loss allowance to noncurrent loans	268.2759%	1,676
Noncurrent assets plus other real estate owned to assets	0.0979%	4,128
Noncurrent loans to loans	0.2092%	3,730
Net loans and leases to total assets	46.5218%	4,404
Net loans and leases to deposits	53.1034%	4,484
Net loans and leases to core deposits	53.8824%	4,571
Total domestic deposits to total assets	87.6059%	1,271
Equity capital to assets	11.1837%	2,698
Core capital (leverage) ratio	11.4289%	2,132
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$144,993,000	3,397
Average earning assets	$136,713,500	3,356
Average equity	$16,462,000	3,516
Average total loans	$69,063,500	3,780
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8787%	4,476
Cost of funding earning assets	0.1024%	5,101
Net interest margin	3.7763%	2,584
Noninterest income to average assets	0.5350%	2,554
Noninterest expense to average assets	2.4230%	3,629
Loan and lease loss provision to assets	-0.2179%	5,122
Net operating income to assets	1.5202%	1,004
Return on assets (ROA)	1.5202%	1,068
Pretax return on assets	1.9090%	732
Return on Equity (ROE)	13.1089%	1,136
Retained earnings to average equity (ytd only)	3.7454%	3,105
Net charge-offs to loans	-0.4246%	5,114
Credit loss provision to net charge-offs	114.0152%	2,206
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	58.8949%	3,850
Assets per employee ($millions)	5.0661%	2,494
Cash dividends to net income (ytd only)*	71.4286%	1,072
Condition Ratios (%)
Loss allowance to loans	0.4650%	4,932
Loan loss allowance to noncurrent loans	156.0976%	2,530
Noncurrent assets plus other real estate owned to assets	0.1445%	3,913
Noncurrent loans to loans	0.2979%	3,362
Net loans and leases to total assets	48.2922%	4,416
Net loans and leases to deposits	55.3376%	4,486
Net loans and leases to core deposits	56.1873%	4,574
Total domestic deposits to total assets	87.2683%	1,480
Equity capital to assets	11.5311%	2,509
Core capital (leverage) ratio	11.5549%	2,071
Tier 1 risk-based capital ratio	20.3379%	1,269
Total risk-based capital ratio	20.7386%	1,377
Memoranda:
Average total assets	$138,136,400	3,463
Average earning assets	$130,921,200	3,408
Average equity	$16,019,600	3,541
Average total loans	$62,173,400	3,944
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8637%	4,586
Cost of funding earning assets	0.0983%	5,186
Net interest margin	3.7653%	2,699
Noninterest income to average assets	0.5306%	2,557
Noninterest expense to average assets	2.4634%	3,526
Loan and lease loss provision to assets	-0.3119%	5,231
Net operating income to assets	1.5538%	1,047
Return on assets (ROA)	1.5538%	1,100
Pretax return on assets	1.9513%	766
Return on Equity (ROE)	13.3788%	1,149
Retained earnings to average equity (ytd only)	3.9659%	3,414
Net charge-offs to loans	-0.5773%	5,197
Credit loss provision to net charge-offs	122.5191%	1,923
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	60.0426%	3,640
Assets per employee ($millions)	4.9307%	2,634
Cash dividends to net income (ytd only)*	70.3562%	946
Condition Ratios (%)
Loss allowance to loans	0.4816%	4,994
Loan loss allowance to noncurrent loans	146.0784%	2,654
Noncurrent assets plus other real estate owned to assets	0.1478%	4,007
Noncurrent loans to loans	0.3297%	3,353
Net loans and leases to total assets	44.6034%	4,673
Net loans and leases to deposits	51.3556%	4,731
Net loans and leases to core deposits	52.1692%	4,795
Total domestic deposits to total assets	86.8520%	1,597
Equity capital to assets	11.7587%	2,447
Core capital (leverage) ratio	11.7795%	2,014
Tier 1 risk-based capital ratio	22.0826%	1,060
Total risk-based capital ratio	22.4910%	1,145
Memoranda:
Average total assets	$137,207,750	3,507
Average earning assets	$130,167,250	3,457
Average equity	$15,935,250	3,585
Average total loans	$60,511,000	4,018
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8023%	4,709
Cost of funding earning assets	0.0923%	5,235
Net interest margin	3.7100%	2,903
Noninterest income to average assets	0.5185%	2,576
Noninterest expense to average assets	2.5372%	3,362
Loan and lease loss provision to assets	-0.4572%	5,289
Net operating income to assets	1.5615%	986
Return on assets (ROA)	1.5615%	1,030
Pretax return on assets	1.9617%	735
Return on Equity (ROE)	13.5012%	1,102
Retained earnings to average equity (ytd only)	4.0289%	3,235
Net charge-offs to loans	-0.8659%	5,250
Credit loss provision to net charge-offs	120.3846%	1,734
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	62.7756%	3,322
Assets per employee ($millions)	4.6303%	2,961
Cash dividends to net income (ytd only)*	70.1590%	1,103
Condition Ratios (%)
Loss allowance to loans	0.4962%	5,024
Loan loss allowance to noncurrent loans	185.3659%	2,262
Noncurrent assets plus other real estate owned to assets	0.1181%	4,164
Noncurrent loans to loans	0.2677%	3,571
Net loans and leases to total assets	43.8830%	4,736
Net loans and leases to deposits	50.4127%	4,789
Net loans and leases to core deposits	51.0960%	4,839
Total domestic deposits to total assets	87.0475%	1,581
Equity capital to assets	11.5717%	2,552
Core capital (leverage) ratio	11.5815%	2,103
Tier 1 risk-based capital ratio	21.9288%	1,061
Total risk-based capital ratio	22.3465%	1,150
Memoranda:
Average total assets	$136,924,000	3,529
Average earning assets	$130,026,330	3,477
Average equity	$15,835,670	3,599
Average total loans	$60,055,670	4,050
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7402%	4,794
Cost of funding earning assets	0.0869%	5,296
Net interest margin	3.6533%	3,065
Noninterest income to average assets	0.4973%	2,566
Noninterest expense to average assets	2.7455%	2,758
Loan and lease loss provision to assets	-0.8916%	5,354
Net operating income to assets	1.6773%	767
Return on assets (ROA)	1.6773%	792
Pretax return on assets	2.1069%	516
Return on Equity (ROE)	14.5070%	856
Retained earnings to average equity (ytd only)	4.9629%	2,921
Net charge-offs to loans	-1.7291%	5,320
Credit loss provision to net charge-offs	117.8988%	1,427
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.3165%	2,452
Assets per employee ($millions)	4.3360%	3,442
Cash dividends to net income (ytd only)*	65.7895%	1,212
Condition Ratios (%)
Loss allowance to loans	0.5239%	5,052
Loan loss allowance to noncurrent loans	179.7688%	2,367
Noncurrent assets plus other real estate owned to assets	0.1287%	4,150
Noncurrent loans to loans	0.2914%	3,522
Net loans and leases to total assets	43.9352%	4,753
Net loans and leases to deposits	50.6410%	4,799
Net loans and leases to core deposits	51.3522%	4,854
Total domestic deposits to total assets	86.7583%	1,929
Equity capital to assets	11.7925%	2,161
Core capital (leverage) ratio	11.7341%	1,952
Tier 1 risk-based capital ratio	22.8705%	950
Total risk-based capital ratio	23.3197%	1,021
Memoranda:
Average total assets	$135,932,000	3,577
Average earning assets	$128,870,000	3,535
Average equity	$15,716,500	3,613
Average total loans	$59,453,000	4,104
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4942%	4,921
Cost of funding earning assets	0.0761%	5,334
Net interest margin	3.4181%	3,949
Noninterest income to average assets	0.5090%	2,782
Noninterest expense to average assets	2.4079%	3,858
Loan and lease loss provision to assets	-0.0132%	5,118
Net operating income to assets	1.0533%	2,789
Return on assets (ROA)	1.0533%	2,777
Pretax return on assets	1.3148%	2,447
Return on Equity (ROE)	9.3707%	2,800
Retained earnings to average equity (ytd only)	2.8360%	3,983
Net charge-offs to loans	-0.0153%	4,618
Credit loss provision to net charge-offs	200.0000%	1,432
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	64.9109%	3,042
Assets per employee ($millions)	3.8180%	4,151
Cash dividends to net income (ytd only)*	69.7350%	1,094
Condition Ratios (%)
Loss allowance to loans	0.5996%	4,972
Loan loss allowance to noncurrent loans	196.1538%	2,271
Noncurrent assets plus other real estate owned to assets	0.1324%	4,162
Noncurrent loans to loans	0.3057%	3,453
Net loans and leases to total assets	43.0577%	4,844
Net loans and leases to deposits	49.2728%	4,906
Net loans and leases to core deposits	49.9494%	4,945
Total domestic deposits to total assets	87.3865%	1,589
Equity capital to assets	11.3367%	2,382
Core capital (leverage) ratio	11.3641%	2,210
Tier 1 risk-based capital ratio	23.0365%	918
Total risk-based capital ratio	23.5623%	962
Memoranda:
Average total assets	$136,137,600	3,564
Average earning assets	$127,467,800	3,533
Average equity	$15,303,000	3,599
Average total loans	$58,876,800	4,120
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4036%	5,031
Cost of funding earning assets	0.0725%	5,401
Net interest margin	3.3311%	4,198
Noninterest income to average assets	0.4997%	2,868
Noninterest expense to average assets	2.4023%	3,849
Loan and lease loss provision to assets	-0.0098%	5,217
Net operating income to assets	0.9749%	3,195
Return on assets (ROA)	0.9749%	3,207
Pretax return on assets	1.2183%	2,919
Return on Equity (ROE)	8.6913%	3,245
Retained earnings to average equity (ytd only)	2.1269%	4,530
Net charge-offs to loans	-0.0136%	4,482
Credit loss provision to net charge-offs	166.6667%	1,591
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	66.5307%	2,780
Assets per employee ($millions)	4.0847%	3,758
Cash dividends to net income (ytd only)*	75.5289%	682
Condition Ratios (%)
Loss allowance to loans	0.6099%	5,026
Loan loss allowance to noncurrent loans	190.0524%	2,312
Noncurrent assets plus other real estate owned to assets	0.1375%	4,258
Noncurrent loans to loans	0.3209%	3,522
Net loans and leases to total assets	42.5918%	4,930
Net loans and leases to deposits	48.6147%	4,997
Net loans and leases to core deposits	50.6165%	5,004
Total domestic deposits to total assets	87.6108%	1,435
Equity capital to assets	11.0405%	2,625
Core capital (leverage) ratio	11.3452%	2,292
Tier 1 risk-based capital ratio	22.4813%	992
Total risk-based capital ratio	23.0095%	1,063
Memoranda:
Average total assets	$135,810,000	3,604
Average earning assets	$126,841,250	3,582
Average equity	$15,233,250	3,631
Average total loans	$58,711,250	4,168
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3338%	5,111
Cost of funding earning assets	0.0702%	5,458
Net interest margin	3.2636%	4,348
Noninterest income to average assets	0.5000%	2,870
Noninterest expense to average assets	2.3949%	3,911
Loan and lease loss provision to assets	-0.0223%	5,329
Net operating income to assets	0.9333%	3,311
Return on assets (ROA)	0.9333%	3,314
Pretax return on assets	1.1648%	3,078
Return on Equity (ROE)	8.2763%	3,372
Retained earnings to average equity (ytd only)	1.6974%	4,568
Net charge-offs to loans	-0.0205%	4,582
Credit loss provision to net charge-offs	250.0000%	1,136
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.7013%	2,696
Assets per employee ($millions)	4.1739%	3,618
Cash dividends to net income (ytd only)*	79.4913%	712
Condition Ratios (%)
Loss allowance to loans	0.6141%	5,078
Loan loss allowance to noncurrent loans	178.5000%	2,459
Noncurrent assets plus other real estate owned to assets	0.1452%	4,265
Noncurrent loans to loans	0.3440%	3,461
Net loans and leases to total assets	41.9496%	4,987
Net loans and leases to deposits	47.8696%	5,032
Net loans and leases to core deposits	50.1171%	5,041
Total domestic deposits to total assets	87.6331%	1,571
Equity capital to assets	11.0724%	2,567
Core capital (leverage) ratio	11.2098%	2,338
Tier 1 risk-based capital ratio	21.8101%	1,062
Total risk-based capital ratio	22.3178%	1,136
Memoranda:
Average total assets	$134,787,000	3,634
Average earning assets	$125,442,670	3,630
Average equity	$15,200,000	3,651
Average total loans	$58,443,670	4,201
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2535%	5,192
Cost of funding earning assets	0.0605%	5,537
Net interest margin	3.1930%	4,490
Noninterest income to average assets	0.5101%	2,746
Noninterest expense to average assets	2.4154%	3,905
Loan and lease loss provision to assets	-0.0150%	5,419
Net operating income to assets	0.8972%	3,304
Return on assets (ROA)	0.8972%	3,312
Pretax return on assets	1.1192%	3,101
Return on Equity (ROE)	7.8816%	3,427
Retained earnings to average equity (ytd only)	1.2916%	4,548
Net charge-offs to loans	-0.0205%	4,573
Credit loss provision to net charge-offs	166.6667%	1,159
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	68.6275%	2,728
Assets per employee ($millions)	4.1313%	3,754
Cash dividends to net income (ytd only)*	83.6120%	773
Condition Ratios (%)
Loss allowance to loans	0.6310%	5,131
Loan loss allowance to noncurrent loans	176.6990%	2,466
Noncurrent assets plus other real estate owned to assets	0.1511%	4,326
Noncurrent loans to loans	0.3571%	3,491
Net loans and leases to total assets	42.0448%	4,980
Net loans and leases to deposits	47.9878%	5,041
Net loans and leases to core deposits	50.2653%	5,035
Total domestic deposits to total assets	87.6156%	1,841
Equity capital to assets	11.1338%	2,448
Core capital (leverage) ratio	11.3633%	2,111
Tier 1 risk-based capital ratio	21.7874%	1,087
Total risk-based capital ratio	22.3073%	1,170
Memoranda:
Average total assets	$133,311,000	3,690
Average earning assets	$125,648,500	3,651
Average equity	$15,174,500	3,682
Average total loans	$58,596,500	4,233
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0656%	5,317
Cost of funding earning assets	0.0642%	5,589
Net interest margin	3.0014%	4,882
Noninterest income to average assets	0.5163%	2,903
Noninterest expense to average assets	2.3300%	4,255
Loan and lease loss provision to assets	-0.0499%	5,397
Net operating income to assets	0.5451%	4,240
Return on assets (ROA)	0.5451%	4,270
Pretax return on assets	1.0629%	3,332
Return on Equity (ROE)	4.7810%	4,255
Retained earnings to average equity (ytd only)	2.1286%	4,041
Net charge-offs to loans	-0.0091%	4,764
Credit loss provision to net charge-offs	1,320.0000%	293
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.6970%	2,607
Assets per employee ($millions)	3.9482%	4,049
Cash dividends to net income (ytd only)*	55.4785%	1,999
Condition Ratios (%)
Loss allowance to loans	0.6150%	5,214
Loan loss allowance to noncurrent loans	170.2326%	2,579
Noncurrent assets plus other real estate owned to assets	0.1650%	4,319
Noncurrent loans to loans	0.3613%	3,475
Net loans and leases to total assets	45.3929%	4,918
Net loans and leases to deposits	52.1622%	4,976
Net loans and leases to core deposits	54.6488%	4,979
Total domestic deposits to total assets	87.0227%	1,988
Equity capital to assets	11.6433%	2,081
Core capital (leverage) ratio	11.3708%	2,042
Tier 1 risk-based capital ratio	21.9760%	1,021
Total risk-based capital ratio	22.5050%	1,082
Memoranda:
Average total assets	$132,275,000	3,713
Average earning assets	$124,574,400	3,677
Average equity	$15,080,400	3,713
Average total loans	$55,093,200	4,324
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0103%	5,405
Cost of funding earning assets	0.0651%	5,651
Net interest margin	2.9452%	5,026
Noninterest income to average assets	0.5132%	2,954
Noninterest expense to average assets	2.3177%	4,253
Loan and lease loss provision to assets	-0.0442%	5,514
Net operating income to assets	0.6879%	4,035
Return on assets (ROA)	0.6879%	4,104
Pretax return on assets	1.0122%	3,641
Return on Equity (ROE)	6.0653%	4,095
Retained earnings to average equity (ytd only)	3.4090%	3,894
Net charge-offs to loans	-0.0049%	4,457
Credit loss provision to net charge-offs	2,200.0000%	193
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.5379%	2,448
Assets per employee ($millions)	4.3109%	3,454
Cash dividends to net income (ytd only)*	43.7956%	2,081
Condition Ratios (%)
Loss allowance to loans	0.6687%	5,207
Loan loss allowance to noncurrent loans	171.5556%	2,518
Noncurrent assets plus other real estate owned to assets	0.1631%	4,459
Noncurrent loans to loans	0.3898%	3,559
Net loans and leases to total assets	41.5649%	5,133
Net loans and leases to deposits	47.4472%	5,210
Net loans and leases to core deposits	49.4557%	5,215
Total domestic deposits to total assets	87.6026%	1,578
Equity capital to assets	11.0658%	2,802
Core capital (leverage) ratio	11.2207%	2,247
Tier 1 risk-based capital ratio	21.7365%	1,078
Total risk-based capital ratio	22.2860%	1,164
Memoranda:
Average total assets	$132,771,500	3,741
Average earning assets	$124,991,750	3,694
Average equity	$15,058,000	3,746
Average total loans	$53,989,500	4,398
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9552%	5,466
Cost of funding earning assets	0.0633%	5,693
Net interest margin	2.8919%	5,111
Noninterest income to average assets	0.5235%	2,873
Noninterest expense to average assets	2.3412%	4,237
Loan and lease loss provision to assets	-0.0717%	5,622
Net operating income to assets	0.6624%	4,016
Return on assets (ROA)	0.6624%	4,074
Pretax return on assets	0.9737%	3,670
Return on Equity (ROE)	5.7909%	4,135
Retained earnings to average equity (ytd only)	3.1223%	3,852
Net charge-offs to loans	0.0038%	3,360
Credit loss provision to net charge-offs	-4,700.0000%	5,064
Earnings coverage of net charge-offs (x)	591.0000%	134
Efficiency ratio	72.1882%	2,303
Assets per employee ($millions)	4.0749%	3,839
Cash dividends to net income (ytd only)*	46.0829%	2,044
Condition Ratios (%)
Loss allowance to loans	0.6735%	5,260
Loan loss allowance to noncurrent loans	163.0901%	2,631
Noncurrent assets plus other real estate owned to assets	0.1787%	4,464
Noncurrent loans to loans	0.4130%	3,546
Net loans and leases to total assets	42.9775%	5,100
Net loans and leases to deposits	49.3601%	5,164
Net loans and leases to core deposits	51.3069%	5,176
Total domestic deposits to total assets	87.0694%	1,914
Equity capital to assets	11.5916%	2,235
Core capital (leverage) ratio	11.3338%	2,097
Tier 1 risk-based capital ratio	21.9821%	1,055
Total risk-based capital ratio	22.5347%	1,127
Memoranda:
Average total assets	$131,046,000	3,787
Average earning assets	$123,239,330	3,749
Average equity	$14,989,000	3,763
Average total loans	$52,744,670	4,452
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.8382%	5,580
Cost of funding earning assets	0.0647%	5,757
Net interest margin	2.7735%	5,296
Noninterest income to average assets	0.5146%	2,880
Noninterest expense to average assets	2.3354%	4,309
Loan and lease loss provision to assets	-0.1187%	5,760
Net operating income to assets	0.6211%	4,055
Return on assets (ROA)	0.6211%	4,107
Pretax return on assets	0.9074%	3,741
Return on Equity (ROE)	5.4670%	4,164
Retained earnings to average equity (ytd only)	2.7871%	4,013
Net charge-offs to loans	0.0314%	2,140
Credit loss provision to net charge-offs	-975.0000%	4,400
Earnings coverage of net charge-offs (x)	64.7500%	761
Efficiency ratio	74.7563%	2,103
Assets per employee ($millions)	4.1765%	3,704
Cash dividends to net income (ytd only)*	49.0196%	1,714
Condition Ratios (%)
Loss allowance to loans	0.7307%	5,244
Loan loss allowance to noncurrent loans	158.0247%	2,716
Noncurrent assets plus other real estate owned to assets	0.1818%	4,519
Noncurrent loans to loans	0.4624%	3,440
Net loans and leases to total assets	39.0334%	5,287
Net loans and leases to deposits	44.6059%	5,350
Net loans and leases to core deposits	46.3114%	5,361
Total domestic deposits to total assets	87.5074%	1,985
Equity capital to assets	11.2086%	2,422
Core capital (leverage) ratio	11.5339%	1,917
Tier 1 risk-based capital ratio	22.4888%	1,033
Total risk-based capital ratio	23.0649%	1,078
Memoranda:
Average total assets	$131,371,000	3,823
Average earning assets	$123,598,500	3,785
Average equity	$14,926,000	3,794
Average total loans	$50,906,500	4,533
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.7592%	5,666
Cost of funding earning assets	0.0655%	5,811
Net interest margin	2.6937%	5,425
Noninterest income to average assets	0.5257%	3,053
Noninterest expense to average assets	2.3306%	4,486
Loan and lease loss provision to assets	0.2310%	938
Net operating income to assets	0.3449%	5,095
Return on assets (ROA)	0.3449%	5,178
Pretax return on assets	0.4875%	5,048
Return on Equity (ROE)	2.9378%	5,176
Retained earnings to average equity (ytd only)	1.5808%	4,625
Net charge-offs to loans	-0.0295%	5,239
Credit loss provision to net charge-offs	-2,230.7692%	5,396
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.4368%	1,918
Assets per employee ($millions)	4.0342%	3,906
Cash dividends to net income (ytd only)*	46.1894%	2,513
Condition Ratios (%)
Loss allowance to loans	0.8688%	4,905
Loan loss allowance to noncurrent loans	169.8413%	2,552
Noncurrent assets plus other real estate owned to assets	0.1952%	4,540
Noncurrent loans to loans	0.5116%	3,314
Net loans and leases to total assets	37.8280%	5,409
Net loans and leases to deposits	43.3849%	5,450
Net loans and leases to core deposits	45.1110%	5,462
Total domestic deposits to total assets	87.1916%	2,031
Equity capital to assets	11.5202%	2,147
Core capital (leverage) ratio	11.5648%	1,882
Tier 1 risk-based capital ratio	23.9332%	871
Total risk-based capital ratio	24.6211%	917
Memoranda:
Average total assets	$125,544,800	3,899
Average earning assets	$117,607,800	3,874
Average equity	$14,739,000	3,847
Average total loans	$44,084,200	4,747
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.7488%	5,740
Cost of funding earning assets	0.0663%	5,877
Net interest margin	2.6825%	5,512
Noninterest income to average assets	0.5241%	3,085
Noninterest expense to average assets	2.3370%	4,441
Loan and lease loss provision to assets	0.3187%	524
Net operating income to assets	0.2727%	5,341
Return on assets (ROA)	0.2727%	5,423
Pretax return on assets	0.3776%	5,345
Return on Equity (ROE)	2.3120%	5,407
Retained earnings to average equity (ytd only)	0.9520%	5,103
Net charge-offs to loans	-0.0312%	5,179
Credit loss provision to net charge-offs	-2,980.0000%	5,362
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.0451%	1,828
Assets per employee ($millions)	3.9888%	3,987
Cash dividends to net income (ytd only)*	58.8253%	1,472
Condition Ratios (%)
Loss allowance to loans	0.9384%	4,713
Loan loss allowance to noncurrent loans	165.9004%	2,586
Noncurrent assets plus other real estate owned to assets	0.2045%	4,614
Noncurrent loans to loans	0.5657%	3,306
Net loans and leases to total assets	35.8085%	5,560
Net loans and leases to deposits	41.1363%	5,607
Net loans and leases to core deposits	42.7952%	5,618
Total domestic deposits to total assets	87.0483%	1,868
Equity capital to assets	11.5956%	2,435
Core capital (leverage) ratio	11.6088%	1,950
Tier 1 risk-based capital ratio	24.5093%	858
Total risk-based capital ratio	25.2279%	883
Memoranda:
Average total assets	$124,657,250	3,938
Average earning assets	$116,605,750	3,915
Average equity	$14,705,750	3,879
Average total loans	$42,789,750	4,834
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.7397%	5,826
Cost of funding earning assets	0.0658%	5,957
Net interest margin	2.6738%	5,601
Noninterest income to average assets	0.5127%	3,109
Noninterest expense to average assets	2.3467%	4,479
Loan and lease loss provision to assets	0.3687%	429
Net operating income to assets	0.2167%	5,492
Return on assets (ROA)	0.2167%	5,552
Pretax return on assets	0.2927%	5,508
Return on Equity (ROE)	1.8264%	5,546
Retained earnings to average equity (ytd only)	0.4634%	5,163
Net charge-offs to loans	-0.0288%	5,104
Credit loss provision to net charge-offs	-3,800.0000%	5,295
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	78.0108%	1,791
Assets per employee ($millions)	3.9374%	4,024
Cash dividends to net income (ytd only)*	74.6269%	1,037
Condition Ratios (%)
Loss allowance to loans	0.7919%	5,299
Loan loss allowance to noncurrent loans	117.3770%	3,372
Noncurrent assets plus other real estate owned to assets	0.2421%	4,524
Noncurrent loans to loans	0.6747%	3,045
Net loans and leases to total assets	35.5942%	5,627
Net loans and leases to deposits	40.9242%	5,656
Net loans and leases to core deposits	42.5980%	5,663
Total domestic deposits to total assets	86.9760%	1,929
Equity capital to assets	11.6978%	2,360
Core capital (leverage) ratio	11.7823%	1,791
Tier 1 risk-based capital ratio	24.3416%	870
Total risk-based capital ratio	24.9361%	914
Memoranda:
Average total assets	$123,662,000	3,985
Average earning assets	$115,414,330	3,957
Average equity	$14,674,000	3,903
Average total loans	$41,673,000	4,910
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.7341%	5,890
Cost of funding earning assets	0.0701%	6,013
Net interest margin	2.6640%	5,653
Noninterest income to average assets	0.5715%	2,669
Noninterest expense to average assets	2.3642%	4,478
Loan and lease loss provision to assets	0.7380%	143
Net operating income to assets	-0.0490%	5,815
Return on assets (ROA)	-0.0490%	5,836
Pretax return on assets	-0.0490%	5,839
Return on Equity (ROE)	-0.4098%	5,842
Retained earnings to average equity (ytd only)	-1.7758%	5,365
Net charge-offs to loans	-0.0401%	5,215
Credit loss provision to net charge-offs	-5,650.0000%	5,025
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.4332%	1,976
Assets per employee ($millions)	4.0813%	3,808
Cash dividends to net income (ytd only)*	-333.3333%	6,110
Condition Ratios (%)
Loss allowance to loans	0.8542%	5,209
Loan loss allowance to noncurrent loans	114.1935%	3,337
Noncurrent assets plus other real estate owned to assets	0.2532%	4,544
Noncurrent loans to loans	0.7481%	2,965
Net loans and leases to total assets	33.5571%	5,729
Net loans and leases to deposits	38.6905%	5,755
Net loans and leases to core deposits	40.1680%	5,766
Total domestic deposits to total assets	86.7322%	2,338
Equity capital to assets	11.9439%	2,065
Core capital (leverage) ratio	11.9416%	1,646
Tier 1 risk-based capital ratio	25.0831%	801
Total risk-based capital ratio	25.6926%	857
Memoranda:
Average total assets	$122,494,000	4,033
Average earning assets	$114,113,000	4,006
Average equity	$14,641,500	3,910
Average total loans	$39,906,500	5,008
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.5853%	5,969
Cost of funding earning assets	0.0677%	6,070
Net interest margin	2.5177%	5,820
Noninterest income to average assets	0.5412%	3,069
Noninterest expense to average assets	2.3637%	4,604
Loan and lease loss provision to assets	-0.0836%	5,822
Net operating income to assets	0.4374%	4,929
Return on assets (ROA)	0.4374%	5,008
Pretax return on assets	0.6256%	4,767
Return on Equity (ROE)	3.6055%	5,103
Retained earnings to average equity (ytd only)	2.2267%	4,455
Net charge-offs to loans	-0.0801%	5,713
Credit loss provision to net charge-offs	370.3704%	807
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	81.3472%	1,494
Assets per employee ($millions)	4.0850%	3,786
Cash dividends to net income (ytd only)*	38.2409%	2,942
Condition Ratios (%)
Loss allowance to loans	0.3232%	6,044
Loan loss allowance to noncurrent loans	4,133.3333%	201
Noncurrent assets plus other real estate owned to assets	0.0024%	5,722
Noncurrent loans to loans	0.0078%	5,512
Net loans and leases to total assets	31.2104%	5,856
Net loans and leases to deposits	36.0002%	5,890
Net loans and leases to core deposits	37.3742%	5,896
Total domestic deposits to total assets	86.6951%	2,278
Equity capital to assets	11.9617%	1,984
Core capital (leverage) ratio	11.9191%	1,666
Tier 1 risk-based capital ratio	26.8784%	678
Total risk-based capital ratio	27.1059%	731
Memoranda:
Average total assets	$119,559,600	4,073
Average earning assets	$112,287,000	4,032
Average equity	$14,505,800	3,906
Average total loans	$33,704,600	5,238
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.5455%	6,068
Cost of funding earning assets	0.0669%	6,165
Net interest margin	2.4785%	5,922
Noninterest income to average assets	0.5398%	3,105
Noninterest expense to average assets	2.3577%	4,631
Loan and lease loss provision to assets	-0.1122%	6,014
Net operating income to assets	0.4354%	5,027
Return on assets (ROA)	0.4354%	5,124
Pretax return on assets	0.6217%	4,919
Return on Equity (ROE)	3.5757%	5,196
Retained earnings to average equity (ytd only)	2.1934%	4,787
Net charge-offs to loans	-0.0983%	5,777
Credit loss provision to net charge-offs	416.6667%	736
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	82.2309%	1,359
Assets per employee ($millions)	3.9854%	3,900
Cash dividends to net income (ytd only)*	38.6608%	2,373
Condition Ratios (%)
Loss allowance to loans	0.3382%	6,124
Loan loss allowance to noncurrent loans	29.6569%	5,442
Noncurrent assets plus other real estate owned to assets	0.3302%	4,440
Noncurrent loans to loans	1.1405%	2,229
Net loans and leases to total assets	28.8584%	6,009
Net loans and leases to deposits	33.2693%	6,031
Net loans and leases to core deposits	34.5277%	6,038
Total domestic deposits to total assets	86.7420%	2,165
Equity capital to assets	11.8229%	2,241
Core capital (leverage) ratio	11.9791%	1,685
Tier 1 risk-based capital ratio	27.5340%	648
Total risk-based capital ratio	27.7631%	710
Memoranda:
Average total assets	$118,812,250	4,133
Average earning assets	$111,567,750	4,091
Average equity	$14,467,500	3,953
Average total loans	$32,537,750	5,341
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.5168%	6,159
Cost of funding earning assets	0.0672%	6,233
Net interest margin	2.4495%	6,002
Noninterest income to average assets	0.5391%	3,117
Noninterest expense to average assets	2.3935%	4,568
Loan and lease loss provision to assets	-0.1757%	6,164
Net operating income to assets	0.4350%	5,023
Return on assets (ROA)	0.4350%	5,119
Pretax return on assets	0.6210%	4,927
Return on Equity (ROE)	3.5365%	5,208
Retained earnings to average equity (ytd only)	2.1496%	4,632
Net charge-offs to loans	-0.1335%	5,888
Credit loss provision to net charge-offs	490.4762%	639
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	84.3149%	1,229
Assets per employee ($millions)	3.8046%	4,249
Cash dividends to net income (ytd only)*	39.2157%	2,428
Condition Ratios (%)
Loss allowance to loans	0.3400%	6,195
Loan loss allowance to noncurrent loans	41.8182%	5,220
Noncurrent assets plus other real estate owned to assets	0.2332%	4,944
Noncurrent loans to loans	0.8131%	3,092
Net loans and leases to total assets	28.5776%	6,080
Net loans and leases to deposits	33.1321%	6,099
Net loans and leases to core deposits	34.4551%	6,101
Total domestic deposits to total assets	86.2534%	2,556
Equity capital to assets	12.2959%	1,803
Core capital (leverage) ratio	12.1274%	1,578
Tier 1 risk-based capital ratio	28.4716%	619
Total risk-based capital ratio	28.6974%	660
Memoranda:
Average total assets	$117,233,670	4,202
Average earning assets	$110,061,330	4,153
Average equity	$14,421,000	3,977
Average total loans	$31,458,670	5,415
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.4542%	6,240
Cost of funding earning assets	0.0693%	6,295
Net interest margin	2.3849%	6,104
Noninterest income to average assets	0.5133%	3,203
Noninterest expense to average assets	2.4127%	4,558
Loan and lease loss provision to assets	-0.3012%	6,308
Net operating income to assets	0.4483%	4,880
Return on assets (ROA)	0.4483%	4,996
Pretax return on assets	0.6400%	4,797
Return on Equity (ROE)	3.6438%	5,130
Retained earnings to average equity (ytd only)	2.2531%	4,556
Net charge-offs to loans	-0.2378%	6,094
Credit loss provision to net charge-offs	488.8889%	565
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	87.6866%	1,041
Assets per employee ($millions)	3.7610%	4,402
Cash dividends to net income (ytd only)*	38.1679%	2,092
Condition Ratios (%)
Loss allowance to loans	0.3978%	6,240
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	5,987
Noncurrent loans to loans	0.0000%	5,830
Net loans and leases to total assets	27.2720%	6,163
Net loans and leases to deposits	31.6319%	6,169
Net loans and leases to core deposits	32.9104%	6,166
Total domestic deposits to total assets	86.2169%	2,821
Equity capital to assets	12.3765%	1,770
Core capital (leverage) ratio	12.3262%	1,443
Tier 1 risk-based capital ratio	28.9375%	598
Total risk-based capital ratio	29.1925%	641
Memoranda:
Average total assets	$116,879,500	4,243
Average earning assets	$109,688,500	4,185
Average equity	$14,380,500	4,017
Average total loans	$30,278,000	5,497
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.5357%	6,322
Cost of funding earning assets	0.0706%	6,398
Net interest margin	2.4651%	6,185
Noninterest income to average assets	0.5248%	3,326
Noninterest expense to average assets	2.3960%	4,853
Loan and lease loss provision to assets	-0.0496%	6,035
Net operating income to assets	0.3360%	5,424
Return on assets (ROA)	0.3360%	5,491
Pretax return on assets	0.4680%	5,332
Return on Equity (ROE)	2.6615%	5,582
Retained earnings to average equity (ytd only)	1.2570%	5,215
Net charge-offs to loans	-0.2108%	6,273
Credit loss provision to net charge-offs	100.0000%	2,387
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	85.1339%	1,267
Assets per employee ($millions)	3.7796%	4,386
Cash dividends to net income (ytd only)*	52.7704%	2,117
Condition Ratios (%)
Loss allowance to loans	0.6880%	6,010
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,115
Noncurrent loans to loans	0.0000%	5,950
Net loans and leases to total assets	24.2688%	6,308
Net loans and leases to deposits	28.1042%	6,318
Net loans and leases to core deposits	29.2325%	6,320
Total domestic deposits to total assets	86.3528%	2,641
Equity capital to assets	12.2313%	1,836
Core capital (leverage) ratio	12.3141%	1,446
Tier 1 risk-based capital ratio	31.4066%	462
Total risk-based capital ratio	31.8384%	477
Memoranda:
Average total assets	$112,811,400	4,324
Average earning assets	$104,783,000	4,295
Average equity	$14,240,000	3,987
Average total loans	$26,566,600	5,721
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.5648%	6,387
Cost of funding earning assets	0.0709%	6,478
Net interest margin	2.4939%	6,234
Noninterest income to average assets	0.5227%	3,385
Noninterest expense to average assets	2.3928%	4,855
Loan and lease loss provision to assets	-0.0764%	6,238
Net operating income to assets	0.3676%	5,375
Return on assets (ROA)	0.3676%	5,446
Pretax return on assets	0.5144%	5,288
Return on Equity (ROE)	2.8885%	5,577
Retained earnings to average equity (ytd only)	1.4817%	5,302
Net charge-offs to loans	-0.2712%	6,372
Credit loss provision to net charge-offs	120.7547%	1,904
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	84.5278%	1,325
Assets per employee ($millions)	3.6692%	4,541
Cash dividends to net income (ytd only)*	48.7021%	1,904
Condition Ratios (%)
Loss allowance to loans	0.6848%	6,123
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,218
Noncurrent loans to loans	0.0000%	6,061
Net loans and leases to total assets	23.7162%	6,393
Net loans and leases to deposits	27.6263%	6,398
Net loans and leases to core deposits	28.8578%	6,400
Total domestic deposits to total assets	85.8464%	2,934
Equity capital to assets	12.5649%	1,655
Core capital (leverage) ratio	12.8065%	1,263
Tier 1 risk-based capital ratio	32.1641%	432
Total risk-based capital ratio	32.5823%	455
Memoranda:
Average total assets	$111,722,500	4,385
Average earning assets	$103,397,000	4,360
Average equity	$14,217,250	4,014
Average total loans	$26,050,250	5,794
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.5724%	6,452
Cost of funding earning assets	0.0717%	6,547
Net interest margin	2.5007%	6,278
Noninterest income to average assets	0.4863%	3,586
Noninterest expense to average assets	2.3918%	4,901
Loan and lease loss provision to assets	-0.0630%	6,321
Net operating income to assets	0.3458%	5,417
Return on assets (ROA)	0.3458%	5,488
Pretax return on assets	0.4827%	5,323
Return on Equity (ROE)	2.7057%	5,624
Retained earnings to average equity (ytd only)	1.2965%	5,223
Net charge-offs to loans	-0.2960%	6,426
Credit loss provision to net charge-offs	92.1053%	2,145
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	85.0737%	1,371
Assets per employee ($millions)	3.6857%	4,475
Cash dividends to net income (ytd only)*	52.0833%	1,846
Condition Ratios (%)
Loss allowance to loans	0.7687%	6,058
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,288
Noncurrent loans to loans	0.0000%	6,120
Net loans and leases to total assets	23.3504%	6,465
Net loans and leases to deposits	27.2856%	6,470
Net loans and leases to core deposits	28.5425%	6,466
Total domestic deposits to total assets	85.5777%	3,254
Equity capital to assets	12.8803%	1,436
Core capital (leverage) ratio	12.7288%	1,276
Tier 1 risk-based capital ratio	33.0694%	407
Total risk-based capital ratio	33.5338%	428
Memoranda:
Average total assets	$111,048,330	4,423
Average earning assets	$103,251,670	4,377
Average equity	$14,192,330	4,013
Average total loans	$25,679,670	5,851
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.5768%	6,527
Cost of funding earning assets	0.0735%	6,618
Net interest margin	2.5033%	6,333
Noninterest income to average assets	0.4565%	3,736
Noninterest expense to average assets	2.3291%	5,127
Loan and lease loss provision to assets	0.0467%	3,162
Net operating income to assets	0.2911%	5,527
Return on assets (ROA)	0.2911%	5,573
Pretax return on assets	0.4062%	5,436
Return on Equity (ROE)	2.2869%	5,714
Retained earnings to average equity (ytd only)	0.8752%	5,243
Net charge-offs to loans	-0.0627%	5,915
Credit loss provision to net charge-offs	-325.0000%	5,080
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	83.7209%	1,704
Assets per employee ($millions)	3.7634%	4,389
Cash dividends to net income (ytd only)*	61.7284%	1,371
Condition Ratios (%)
Loss allowance to loans	0.8414%	6,020
Loan loss allowance to noncurrent loans	9.1492%	6,176
Noncurrent assets plus other real estate owned to assets	2.0717%	1,626
Noncurrent loans to loans	9.1960%	120
Net loans and leases to total assets	22.3386%	6,537
Net loans and leases to deposits	25.9780%	6,545
Net loans and leases to core deposits	27.2453%	6,536
Total domestic deposits to total assets	85.9906%	3,369
Equity capital to assets	12.5577%	1,541
Core capital (leverage) ratio	12.8214%	1,236
Tier 1 risk-based capital ratio	33.1851%	408
Total risk-based capital ratio	33.6859%	425
Memoranda:
Average total assets	$111,286,500	4,459
Average earning assets	$103,383,000	4,413
Average equity	$14,167,500	4,018
Average total loans	$25,510,000	5,913
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.7794%	6,507
Cost of funding earning assets	0.0741%	6,722
Net interest margin	2.7053%	6,132
Noninterest income to average assets	0.5463%	3,428
Noninterest expense to average assets	2.4837%	4,819
Loan and lease loss provision to assets	-0.0367%	6,347
Net operating income to assets	0.4336%	5,021
Return on assets (ROA)	0.4336%	5,143
Pretax return on assets	0.6133%	4,832
Return on Equity (ROE)	3.4228%	5,355
Retained earnings to average equity (ytd only)	0.5999%	5,566
Net charge-offs to loans	-0.1154%	6,509
Credit loss provision to net charge-offs	141.3793%	1,651
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	81.1569%	1,995
Assets per employee ($millions)	3.5377%	4,829
Cash dividends to net income (ytd only)*	82.4742%	838
Condition Ratios (%)
Loss allowance to loans	0.7700%	6,233
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.1660%	5,816
Noncurrent loans to loans	0.0000%	6,319
Net loans and leases to total assets	23.1494%	6,618
Net loans and leases to deposits	27.0445%	6,625
Net loans and leases to core deposits	28.4109%	6,621
Total domestic deposits to total assets	85.5977%	3,462
Equity capital to assets	12.9087%	1,317
Core capital (leverage) ratio	12.8542%	1,197
Tier 1 risk-based capital ratio	33.4026%	382
Total risk-based capital ratio	33.8676%	405
Memoranda:
Average total assets	$111,849,000	4,459
Average earning assets	$103,942,200	4,407
Average equity	$14,169,600	4,031
Average total loans	$25,138,800	5,979
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.8149%	6,567
Cost of funding earning assets	0.0741%	6,808
Net interest margin	2.7407%	6,099
Noninterest income to average assets	0.5457%	3,487
Noninterest expense to average assets	2.4556%	4,859
Loan and lease loss provision to assets	-0.0415%	6,538
Net operating income to assets	0.4745%	4,912
Return on assets (ROA)	0.4745%	5,064
Pretax return on assets	0.6750%	4,770
Return on Equity (ROE)	3.7630%	5,325
Retained earnings to average equity (ytd only)	0.9407%	5,605
Net charge-offs to loans	-0.1279%	6,559
Credit loss provision to net charge-offs	145.8333%	1,616
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	79.4931%	2,184
Assets per employee ($millions)	3.5651%	4,728
Cash dividends to net income (ytd only)*	75.0000%	923
Condition Ratios (%)
Loss allowance to loans	0.7904%	6,303
Loan loss allowance to noncurrent loans	482.9268%	910
Noncurrent assets plus other real estate owned to assets	0.2018%	5,831
Noncurrent loans to loans	0.1637%	5,827
Net loans and leases to total assets	22.4886%	6,711
Net loans and leases to deposits	26.2691%	6,723
Net loans and leases to core deposits	27.5886%	6,716
Total domestic deposits to total assets	85.6087%	3,446
Equity capital to assets	12.7988%	1,422
Core capital (leverage) ratio	12.5576%	1,391
Tier 1 risk-based capital ratio	33.5250%	386
Total risk-based capital ratio	33.9937%	404
Memoranda:
Average total assets	$112,393,750	4,500
Average earning assets	$104,300,000	4,445
Average equity	$14,172,750	4,083
Average total loans	$25,027,250	6,035
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.8652%	6,563
Cost of funding earning assets	0.0743%	6,862
Net interest margin	2.7909%	6,023
Noninterest income to average assets	0.5486%	3,510
Noninterest expense to average assets	2.4509%	4,896
Loan and lease loss provision to assets	-0.0672%	6,668
Net operating income to assets	0.5273%	4,678
Return on assets (ROA)	0.5273%	4,847
Pretax return on assets	0.7556%	4,487
Return on Equity (ROE)	4.2025%	5,134
Retained earnings to average equity (ytd only)	1.3820%	5,332
Net charge-offs to loans	-0.1599%	6,610
Credit loss provision to net charge-offs	190.0000%	1,252
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	78.0722%	2,441
Assets per employee ($millions)	3.6616%	4,488
Cash dividends to net income (ytd only)*	67.1141%	1,293
Condition Ratios (%)
Loss allowance to loans	0.7790%	6,392
Loan loss allowance to noncurrent loans	6,366.6667%	117
Noncurrent assets plus other real estate owned to assets	0.1771%	5,969
Noncurrent loans to loans	0.0122%	6,395
Net loans and leases to total assets	21.4327%	6,774
Net loans and leases to deposits	24.9232%	6,789
Net loans and leases to core deposits	26.1347%	6,778
Total domestic deposits to total assets	85.9949%	3,370
Equity capital to assets	12.5065%	1,571
Core capital (leverage) ratio	12.5831%	1,327
Tier 1 risk-based capital ratio	34.4247%	355
Total risk-based capital ratio	34.8889%	380
Memoranda:
Average total assets	$113,019,000	4,510
Average earning assets	$104,914,000	4,461
Average equity	$14,182,000	4,115
Average total loans	$25,019,000	6,066
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9356%	6,576
Cost of funding earning assets	0.0727%	6,947
Net interest margin	2.8628%	5,881
Noninterest income to average assets	0.5533%	3,414
Noninterest expense to average assets	2.4580%	4,921
Loan and lease loss provision to assets	0.0497%	3,796
Net operating income to assets	0.4895%	4,730
Return on assets (ROA)	0.4895%	4,881
Pretax return on assets	0.6987%	4,587
Return on Equity (ROE)	3.8942%	5,148
Retained earnings to average equity (ytd only)	1.0723%	5,422
Net charge-offs to loans	-0.2533%	6,735
Credit loss provision to net charge-offs	-87.5000%	5,128
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.6593%	2,818
Assets per employee ($millions)	3.7503%	4,448
Cash dividends to net income (ytd only)*	72.4638%	1,034
Condition Ratios (%)
Loss allowance to loans	0.9590%	6,109
Loan loss allowance to noncurrent loans	341.4286%	1,169
Noncurrent assets plus other real estate owned to assets	0.2382%	5,854
Noncurrent loans to loans	0.2809%	5,700
Net loans and leases to total assets	21.9389%	6,821
Net loans and leases to deposits	25.5367%	6,833
Net loans and leases to core deposits	26.7906%	6,829
Total domestic deposits to total assets	85.9112%	3,574
Equity capital to assets	12.6027%	1,649
Core capital (leverage) ratio	12.7207%	1,237
Tier 1 risk-based capital ratio	32.7748%	420
Total risk-based capital ratio	33.3302%	443
Memoranda:
Average total assets	$112,774,000	4,559
Average earning assets	$104,511,500	4,505
Average equity	$14,175,000	4,164
Average total loans	$25,269,000	6,107
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1751%	6,674
Cost of funding earning assets	0.1006%	6,996
Net interest margin	3.0744%	5,873
Noninterest income to average assets	0.5552%	3,540
Noninterest expense to average assets	2.4455%	5,271
Loan and lease loss provision to assets	-0.0061%	6,817
Net operating income to assets	0.6732%	3,866
Return on assets (ROA)	0.6732%	4,138
Pretax return on assets	0.9740%	3,641
Return on Equity (ROE)	5.4142%	4,473
Retained earnings to average equity (ytd only)	0.4922%	5,601
Net charge-offs to loans	-0.0853%	6,797
Credit loss provision to net charge-offs	30.4348%	5,106
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	71.6445%	3,488
Assets per employee ($millions)	3.7680%	4,429
Cash dividends to net income (ytd only)*	90.9091%	678
Condition Ratios (%)
Loss allowance to loans	0.8159%	6,457
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.1752%	6,127
Noncurrent loans to loans	0.0000%	6,599
Net loans and leases to total assets	22.4761%	6,886
Net loans and leases to deposits	26.1246%	6,903
Net loans and leases to core deposits	27.3992%	6,896
Total domestic deposits to total assets	86.0341%	3,347
Equity capital to assets	12.5363%	1,682
Core capital (leverage) ratio	12.3880%	1,364
Tier 1 risk-based capital ratio	31.8753%	435
Total risk-based capital ratio	32.3489%	453
Memoranda:
Average total assets	$114,373,400	4,484
Average earning assets	$106,328,800	4,437
Average equity	$14,221,800	4,116
Average total loans	$26,968,000	6,084
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2377%	6,770
Cost of funding earning assets	0.1063%	7,105
Net interest margin	3.1313%	5,865
Noninterest income to average assets	0.5510%	3,606
Noninterest expense to average assets	2.4305%	5,305
Loan and lease loss provision to assets	0.0023%	5,775
Net operating income to assets	0.7079%	3,885
Return on assets (ROA)	0.7079%	4,120
Pretax return on assets	1.0275%	3,611
Return on Equity (ROE)	5.7043%	4,484
Retained earnings to average equity (ytd only)	1.0210%	5,758
Net charge-offs to loans	-0.0488%	6,704
Credit loss provision to net charge-offs	-20.0000%	6,125
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.2385%	3,647
Assets per employee ($millions)	3.6836%	4,582
Cash dividends to net income (ytd only)*	82.1018%	598
Condition Ratios (%)
Loss allowance to loans	0.7955%	6,613
Loan loss allowance to noncurrent loans	68.1063%	4,296
Noncurrent assets plus other real estate owned to assets	0.4515%	5,534
Noncurrent loans to loans	1.1680%	4,113
Net loans and leases to total assets	23.1339%	6,987
Net loans and leases to deposits	27.0478%	6,998
Net loans and leases to core deposits	28.4071%	6,987
Total domestic deposits to total assets	85.5297%	3,496
Equity capital to assets	12.8795%	1,655
Core capital (leverage) ratio	12.7802%	1,282
Tier 1 risk-based capital ratio	32.3139%	431
Total risk-based capital ratio	32.7835%	455
Memoranda:
Average total assets	$114,706,750	4,519
Average earning assets	$106,576,500	4,474
Average equity	$14,234,500	4,154
Average total loans	$27,306,000	6,146
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2402%	6,849
Cost of funding earning assets	0.1130%	7,165
Net interest margin	3.1272%	5,917
Noninterest income to average assets	0.5288%	3,735
Noninterest expense to average assets	2.4150%	5,400
Loan and lease loss provision to assets	0.0327%	5,262
Net operating income to assets	0.6821%	3,969
Return on assets (ROA)	0.6821%	4,230
Pretax return on assets	0.9888%	3,747
Return on Equity (ROE)	5.5638%	4,549
Retained earnings to average equity (ytd only)	1.3488%	5,519
Net charge-offs to loans	-0.0431%	6,622
Credit loss provision to net charge-offs	-316.6667%	6,216
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.2757%	3,718
Assets per employee ($millions)	3.5709%	4,816
Cash dividends to net income (ytd only)*	75.7576%	909
Condition Ratios (%)
Loss allowance to loans	0.7954%	6,679
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.4634%	5,613
Noncurrent loans to loans	0.0000%	6,740
Net loans and leases to total assets	24.5605%	7,019
Net loans and leases to deposits	28.6890%	7,030
Net loans and leases to core deposits	30.1309%	7,020
Total domestic deposits to total assets	85.6095%	3,562
Equity capital to assets	12.8674%	1,585
Core capital (leverage) ratio	12.3926%	1,401
Tier 1 risk-based capital ratio	31.1542%	475
Total risk-based capital ratio	31.6362%	498
Memoranda:
Average total assets	$116,106,000	4,501
Average earning assets	$107,956,330	4,463
Average equity	$14,235,000	4,156
Average total loans	$27,818,000	6,160
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2226%	6,937
Cost of funding earning assets	0.1264%	7,219
Net interest margin	3.0962%	6,054
Noninterest income to average assets	0.5353%	3,663
Noninterest expense to average assets	2.3971%	5,480
Loan and lease loss provision to assets	0.0741%	4,474
Net operating income to assets	0.6565%	4,098
Return on assets (ROA)	0.6565%	4,312
Pretax return on assets	0.9494%	3,868
Return on Equity (ROE)	5.4812%	4,555
Retained earnings to average equity (ytd only)	2.6703%	4,923
Net charge-offs to loans	0.0000%	4,730
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.0787%	3,792
Assets per employee ($millions)	3.7045%	4,641
Cash dividends to net income (ytd only)*	51.2821%	1,431
Condition Ratios (%)
Loss allowance to loans	0.7697%	6,788
Loan loss allowance to noncurrent loans	1,433.3333%	292
Noncurrent assets plus other real estate owned to assets	0.4458%	5,745
Noncurrent loans to loans	0.0537%	6,621
Net loans and leases to total assets	24.1360%	7,081
Net loans and leases to deposits	28.0121%	7,089
Net loans and leases to core deposits	29.3775%	7,084
Total domestic deposits to total assets	86.1626%	3,433
Equity capital to assets	12.4215%	1,776
Core capital (leverage) ratio	12.1019%	1,530
Tier 1 risk-based capital ratio	30.3254%	504
Total risk-based capital ratio	30.7881%	536
Memoranda:
Average total assets	$118,810,000	4,477
Average earning assets	$110,717,000	4,421
Average equity	$14,230,500	4,154
Average total loans	$28,024,000	6,200
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6429%	6,901
Cost of funding earning assets	0.2109%	7,227
Net interest margin	3.4321%	5,391
Noninterest income to average assets	0.5603%	3,429
Noninterest expense to average assets	2.5159%	5,416
Loan and lease loss provision to assets	0.0394%	6,080
Net operating income to assets	0.8246%	2,934
Return on assets (ROA)	0.8246%	3,097
Pretax return on assets	1.1967%	2,471
Return on Equity (ROE)	6.6728%	3,553
Retained earnings to average equity (ytd only)	1.3601%	5,211
Net charge-offs to loans	0.4683%	3,116
Credit loss provision to net charge-offs	32.8467%	5,746
Earnings coverage of net charge-offs (x)	10.3066%	1,859
Efficiency ratio	67.0555%	4,565
Assets per employee ($millions)	3.9606%	3,946
Cash dividends to net income (ytd only)*	79.6178%	799
Condition Ratios (%)
Loss allowance to loans	0.6865%	6,924
Loan loss allowance to noncurrent loans	102.1164%	2,998
Noncurrent assets plus other real estate owned to assets	0.5587%	5,575
Noncurrent loans to loans	0.6722%	5,352
Net loans and leases to total assets	22.7417%	7,174
Net loans and leases to deposits	26.1063%	7,188
Net loans and leases to core deposits	27.2793%	7,184
Total domestic deposits to total assets	87.1118%	2,702
Equity capital to assets	11.5622%	2,460
Core capital (leverage) ratio	11.5582%	1,838
Tier 1 risk-based capital ratio	28.9461%	570
Total risk-based capital ratio	29.3452%	610
Memoranda:
Average total assets	$114,234,200	4,546
Average earning assets	$106,233,000	4,499
Average equity	$14,117,000	4,086
Average total loans	$29,256,200	6,188
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7344%	6,903
Cost of funding earning assets	0.2216%	7,305
Net interest margin	3.5128%	5,135
Noninterest income to average assets	0.5638%	3,417
Noninterest expense to average assets	2.5382%	5,322
Loan and lease loss provision to assets	0.0975%	5,236
Net operating income to assets	0.8171%	3,071
Return on assets (ROA)	0.8171%	3,240
Pretax return on assets	1.1894%	2,670
Return on Equity (ROE)	6.4976%	3,769
Retained earnings to average equity (ytd only)	1.1728%	5,542
Net charge-offs to loans	0.1354%	4,698
Credit loss provision to net charge-offs	273.3333%	1,046
Earnings coverage of net charge-offs (x)	36.0658%	829
Efficiency ratio	66.3557%	4,647
Assets per employee ($millions)	3.9070%	4,054
Cash dividends to net income (ytd only)*	81.9505%	571
Condition Ratios (%)
Loss allowance to loans	1.1908%	5,509
Loan loss allowance to noncurrent loans	55.4276%	4,683
Noncurrent assets plus other real estate owned to assets	0.6740%	5,454
Noncurrent loans to loans	2.1484%	3,183
Net loans and leases to total assets	23.8572%	7,235
Net loans and leases to deposits	27.5998%	7,250
Net loans and leases to core deposits	28.9116%	7,242
Total domestic deposits to total assets	86.4397%	2,964
Equity capital to assets	12.0809%	2,191
Core capital (leverage) ratio	11.9518%	1,731
Tier 1 risk-based capital ratio	29.6179%	563
Total risk-based capital ratio	30.3345%	582
Memoranda:
Average total assets	$112,098,000	4,616
Average earning assets	$104,074,500	4,571
Average equity	$14,097,250	4,104
Average total loans	$29,541,500	6,240
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8210%	6,898
Cost of funding earning assets	0.2289%	7,387
Net interest margin	3.5921%	4,751
Noninterest income to average assets	0.5707%	3,332
Noninterest expense to average assets	2.5817%	5,256
Loan and lease loss provision to assets	0.0109%	6,131
Net operating income to assets	0.8932%	2,667
Return on assets (ROA)	0.8932%	2,777
Pretax return on assets	1.3044%	2,125
Return on Equity (ROE)	7.0047%	3,447
Retained earnings to average equity (ytd only)	1.6766%	5,155
Net charge-offs to loans	0.0000%	5,875
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	66.2483%	4,831
Assets per employee ($millions)	3.7856%	4,236
Cash dividends to net income (ytd only)*	76.0649%	888
Condition Ratios (%)
Loss allowance to loans	1.0015%	6,325
Loan loss allowance to noncurrent loans	89.2966%	3,184
Noncurrent assets plus other real estate owned to assets	0.4544%	6,016
Noncurrent loans to loans	1.1216%	4,793
Net loans and leases to total assets	25.4156%	7,291
Net loans and leases to deposits	29.5254%	7,312
Net loans and leases to core deposits	30.3091%	7,316
Total domestic deposits to total assets	86.0806%	3,281
Equity capital to assets	12.4560%	1,805
Core capital (leverage) ratio	12.2259%	1,492
Tier 1 risk-based capital ratio	29.8642%	541
Total risk-based capital ratio	30.4884%	570
Memoranda:
Average total assets	$110,394,000	4,697
Average earning assets	$102,223,330	4,645
Average equity	$14,076,330	4,108
Average total loans	$29,955,330	6,274
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8458%	6,894
Cost of funding earning assets	0.2339%	7,456
Net interest margin	3.6119%	4,518
Noninterest income to average assets	0.5625%	3,418
Noninterest expense to average assets	2.6101%	5,182
Loan and lease loss provision to assets	-0.0037%	7,438
Net operating income to assets	0.8933%	2,597
Return on assets (ROA)	0.8933%	2,657
Pretax return on assets	1.3051%	2,028
Return on Equity (ROE)	6.9223%	3,422
Retained earnings to average equity (ytd only)	1.5668%	5,171
Net charge-offs to loans	0.0132%	4,896
Credit loss provision to net charge-offs	-100.0000%	5,714
Earnings coverage of net charge-offs (x)	354.0000%	82
Efficiency ratio	66.7293%	4,907
Assets per employee ($millions)	3.8245%	4,245
Cash dividends to net income (ytd only)*	77.3663%	885
Condition Ratios (%)
Loss allowance to loans	0.9575%	6,522
Loan loss allowance to noncurrent loans	7,100.0000%	78
Noncurrent assets plus other real estate owned to assets	0.1740%	6,722
Noncurrent loans to loans	0.0135%	7,036
Net loans and leases to total assets	26.4881%	7,333
Net loans and leases to deposits	30.8430%	7,345
Net loans and leases to core deposits	32.4064%	7,349
Total domestic deposits to total assets	85.8804%	3,590
Equity capital to assets	12.6824%	1,528
Core capital (leverage) ratio	12.7963%	1,198
Tier 1 risk-based capital ratio	30.1453%	517
Total risk-based capital ratio	30.7630%	533
Memoranda:
Average total assets	$108,807,000	4,766
Average earning assets	$100,889,000	4,714
Average equity	$14,041,500	4,106
Average total loans	$30,355,000	6,321
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3023%	6,791
Cost of funding earning assets	0.2666%	7,525
Net interest margin	4.0357%	2,860
Noninterest income to average assets	0.5849%	3,562
Noninterest expense to average assets	2.8232%	4,506
Loan and lease loss provision to assets	0.1563%	5,644
Net operating income to assets	0.9054%	2,361
Return on assets (ROA)	0.9054%	2,501
Pretax return on assets	1.3251%	1,871
Return on Equity (ROE)	6.6421%	3,285
Retained earnings to average equity (ytd only)	1.5938%	4,725
Net charge-offs to loans	0.1246%	5,647
Credit loss provision to net charge-offs	387.8049%	637
Earnings coverage of net charge-offs (x)	36.7561%	619
Efficiency ratio	65.5858%	5,046
Assets per employee ($millions)	3.3345%	5,347
Cash dividends to net income (ytd only)*	76.0043%	991
Condition Ratios (%)
Loss allowance to loans	0.9179%	6,673
Loan loss allowance to noncurrent loans	5,700.0000%	88
Noncurrent assets plus other real estate owned to assets	0.1818%	6,776
Noncurrent loans to loans	0.0161%	7,110
Net loans and leases to total assets	28.8302%	7,382
Net loans and leases to deposits	33.7528%	7,398
Net loans and leases to core deposits	35.6478%	7,392
Total domestic deposits to total assets	85.4157%	3,654
Equity capital to assets	13.1363%	1,327
Core capital (leverage) ratio	12.9691%	1,136
Tier 1 risk-based capital ratio	29.7746%	518
Total risk-based capital ratio	30.3893%	529
Memoranda:
Average total assets	$101,728,200	4,931
Average earning assets	$93,763,200	4,897
Average equity	$13,866,200	4,169
Average total loans	$32,900,800	6,262
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4278%	6,768
Cost of funding earning assets	0.2713%	7,648
Net interest margin	4.1565%	2,379
Noninterest income to average assets	0.5759%	3,609
Noninterest expense to average assets	2.8501%	4,277
Loan and lease loss provision to assets	0.1964%	5,073
Net operating income to assets	0.9209%	2,535
Return on assets (ROA)	0.9209%	2,670
Pretax return on assets	1.3508%	2,029
Return on Equity (ROE)	6.6913%	3,486
Retained earnings to average equity (ytd only)	1.3884%	5,253
Net charge-offs to loans	0.1758%	4,908
Credit loss provision to net charge-offs	336.3636%	943
Earnings coverage of net charge-offs (x)	26.4979%	958
Efficiency ratio	64.8159%	5,088
Assets per employee ($millions)	3.3468%	5,338
Cash dividends to net income (ytd only)*	79.2513%	670
Condition Ratios (%)
Loss allowance to loans	0.8785%	6,807
Loan loss allowance to noncurrent loans	3,885.7143%	99
Noncurrent assets plus other real estate owned to assets	0.2834%	6,666
Noncurrent loans to loans	0.0226%	7,202
Net loans and leases to total assets	29.5795%	7,477
Net loans and leases to deposits	34.8220%	7,495
Net loans and leases to core deposits	36.8468%	7,484
Total domestic deposits to total assets	84.9447%	3,643
Equity capital to assets	13.4765%	1,360
Core capital (leverage) ratio	13.4458%	1,077
Tier 1 risk-based capital ratio	30.1033%	505
Total risk-based capital ratio	30.6997%	534
Memoranda:
Average total assets	$100,484,250	5,032
Average earning assets	$92,382,750	5,000
Average equity	$13,828,500	4,244
Average total loans	$33,364,000	6,327
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5183%	6,665
Cost of funding earning assets	0.2740%	7,726
Net interest margin	4.2443%	1,987
Noninterest income to average assets	0.6439%	3,040
Noninterest expense to average assets	2.8935%	4,102
Loan and lease loss provision to assets	0.3058%	3,941
Net operating income to assets	0.9155%	2,495
Return on assets (ROA)	0.9155%	2,597
Pretax return on assets	1.3401%	1,974
Return on Equity (ROE)	6.6051%	3,493
Retained earnings to average equity (ytd only)	0.7984%	5,450
Net charge-offs to loans	0.2634%	4,022
Credit loss provision to net charge-offs	337.7778%	1,076
Earnings coverage of net charge-offs (x)	18.1778%	1,299
Efficiency ratio	63.7411%	5,379
Assets per employee ($millions)	3.0907%	5,941
Cash dividends to net income (ytd only)*	87.9121%	604
Condition Ratios (%)
Loss allowance to loans	0.8329%	6,953
Loan loss allowance to noncurrent loans	173.4177%	1,634
Noncurrent assets plus other real estate owned to assets	0.6056%	5,975
Noncurrent loans to loans	0.4803%	6,289
Net loans and leases to total assets	32.9859%	7,452
Net loans and leases to deposits	39.0763%	7,462
Net loans and leases to core deposits	41.4816%	7,462
Total domestic deposits to total assets	84.4140%	3,910
Equity capital to assets	14.0067%	1,155
Core capital (leverage) ratio	13.6995%	1,001
Tier 1 risk-based capital ratio	29.8131%	519
Total risk-based capital ratio	30.4121%	547
Memoranda:
Average total assets	$99,395,330	5,097
Average earning assets	$91,228,330	5,055
Average equity	$13,777,330	4,250
Average total loans	$34,165,000	6,323
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5413%	6,700
Cost of funding earning assets	0.2756%	7,831
Net interest margin	4.2657%	1,802
Noninterest income to average assets	0.5981%	3,285
Noninterest expense to average assets	2.8984%	4,070
Loan and lease loss provision to assets	0.6784%	1,876
Net operating income to assets	0.6463%	3,682
Return on assets (ROA)	0.6463%	3,800
Pretax return on assets	0.9354%	3,325
Return on Equity (ROE)	4.6872%	4,540
Retained earnings to average equity (ytd only)	-2.5911%	6,310
Net charge-offs to loans	0.5977%	2,312
Credit loss provision to net charge-offs	325.0000%	1,217
Earnings coverage of net charge-offs (x)	7.7308%	2,048
Efficiency ratio	64.2349%	5,447
Assets per employee ($millions)	3.1452%	5,892
Cash dividends to net income (ytd only)*	155.2795%	291
Condition Ratios (%)
Loss allowance to loans	0.8188%	7,080
Loan loss allowance to noncurrent loans	64.4647%	4,147
Noncurrent assets plus other real estate owned to assets	0.6092%	5,997
Noncurrent loans to loans	1.2702%	4,858
Net loans and leases to total assets	35.1576%	7,459
Net loans and leases to deposits	41.6462%	7,467
Net loans and leases to core deposits	44.3615%	7,473
Total domestic deposits to total assets	84.4196%	3,936
Equity capital to assets	14.0419%	1,128
Core capital (leverage) ratio	13.5964%	1,054
Tier 1 risk-based capital ratio	29.2479%	568
Total risk-based capital ratio	29.8635%	588
Memoranda:
Average total assets	$99,641,500	5,161
Average earning assets	$91,427,000	5,123
Average equity	$13,739,500	4,303
Average total loans	$34,798,500	6,385
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5727%	7,313
Cost of funding earning assets	0.3312%	7,890
Net interest margin	4.2415%	1,929
Noninterest income to average assets	0.6665%	3,180
Noninterest expense to average assets	2.7664%	5,102
Loan and lease loss provision to assets	0.9173%	2,448
Net operating income to assets	0.6313%	3,213
Return on assets (ROA)	0.6313%	3,273
Pretax return on assets	0.9065%	2,905
Return on Equity (ROE)	4.6549%	3,819
Retained earnings to average equity (ytd only)	-0.7410%	5,187
Net charge-offs to loans	2.5036%	923
Credit loss provision to net charge-offs	103.5242%	5,336
Earnings coverage of net charge-offs (x)	2.0584%	4,181
Efficiency ratio	60.2679%	6,446
Assets per employee ($millions)	2.9936%	6,244
Cash dividends to net income (ytd only)*	115.9196%	441
Condition Ratios (%)
Loss allowance to loans	0.4767%	7,688
Loan loss allowance to noncurrent loans	38.0410%	5,898
Noncurrent assets plus other real estate owned to assets	0.5836%	6,001
Noncurrent loans to loans	1.2530%	4,848
Net loans and leases to total assets	34.2575%	7,585
Net loans and leases to deposits	40.2977%	7,621
Net loans and leases to core deposits	43.7194%	7,705
Total domestic deposits to total assets	85.0111%	3,542
Equity capital to assets	13.5466%	1,300
Core capital (leverage) ratio	13.2475%	1,175
Tier 1 risk-based capital ratio	28.3846%	615
Total risk-based capital ratio	28.7335%	657
Memoranda:
Average total assets	$102,479,800	5,025
Average earning assets	$94,801,400	4,983
Average equity	$13,899,400	4,281
Average total loans	$36,267,200	6,291
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5748%	7,445
Cost of funding earning assets	0.3462%	7,983
Net interest margin	4.2286%	1,947
Noninterest income to average assets	0.6767%	3,176
Noninterest expense to average assets	2.7587%	5,071
Loan and lease loss provision to assets	0.1182%	6,184
Net operating income to assets	1.1676%	1,547
Return on assets (ROA)	1.1676%	1,605
Pretax return on assets	1.7184%	937
Return on Equity (ROE)	8.6064%	2,407
Retained earnings to average equity (ytd only)	1.4264%	4,517
Net charge-offs to loans	0.2989%	4,157
Credit loss provision to net charge-offs	110.9756%	4,583
Earnings coverage of net charge-offs (x)	17.2440%	1,417
Efficiency ratio	60.0339%	6,408
Assets per employee ($millions)	3.1863%	5,683
Cash dividends to net income (ytd only)*	83.4262%	866
Condition Ratios (%)
Loss allowance to loans	0.4024%	7,818
Loan loss allowance to noncurrent loans	21.7195%	6,999
Noncurrent assets plus other real estate owned to assets	0.8062%	5,485
Noncurrent loans to loans	1.8528%	3,839
Net loans and leases to total assets	34.9539%	7,657
Net loans and leases to deposits	41.2624%	7,691
Net loans and leases to core deposits	44.6180%	7,786
Total domestic deposits to total assets	84.7111%	3,367
Equity capital to assets	13.7432%	1,397
Core capital (leverage) ratio	13.4930%	1,235
Tier 1 risk-based capital ratio	28.6920%	636
Total risk-based capital ratio	28.9906%	685
Memoranda:
Average total assets	$102,654,250	5,055
Average earning assets	$95,128,000	5,000
Average equity	$13,927,250	4,312
Average total loans	$36,575,250	6,312
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6117%	7,516
Cost of funding earning assets	0.3633%	8,082
Net interest margin	4.2484%	1,825
Noninterest income to average assets	0.7095%	2,932
Noninterest expense to average assets	2.8284%	4,834
Loan and lease loss provision to assets	0.1380%	5,694
Net operating income to assets	1.1391%	1,633
Return on assets (ROA)	1.1391%	1,718
Pretax return on assets	1.6757%	1,065
Return on Equity (ROE)	8.4325%	2,598
Retained earnings to average equity (ytd only)	1.2375%	4,658
Net charge-offs to loans	0.4398%	3,052
Credit loss provision to net charge-offs	87.6543%	4,994
Earnings coverage of net charge-offs (x)	11.5185%	1,898
Efficiency ratio	60.9296%	6,410
Assets per employee ($millions)	3.1475%	5,721
Cash dividends to net income (ytd only)*	85.3242%	972
Condition Ratios (%)
Loss allowance to loans	0.3554%	7,942
Loan loss allowance to noncurrent loans	21.5889%	7,037
Noncurrent assets plus other real estate owned to assets	1.1259%	4,701
Noncurrent loans to loans	1.6463%	4,027
Net loans and leases to total assets	34.7948%	7,744
Net loans and leases to deposits	41.1071%	7,787
Net loans and leases to core deposits	44.1162%	7,869
Total domestic deposits to total assets	84.6444%	3,426
Equity capital to assets	13.8087%	1,383
Core capital (leverage) ratio	13.4949%	1,274
Tier 1 risk-based capital ratio	29.5182%	631
Total risk-based capital ratio	29.7861%	676
Memoranda:
Average total assets	$102,884,670	5,079
Average earning assets	$95,235,000	5,033
Average equity	$13,898,670	4,328
Average total loans	$36,839,000	6,351
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6218%	7,597
Cost of funding earning assets	0.3862%	8,137
Net interest margin	4.2356%	1,791
Noninterest income to average assets	0.6387%	3,286
Noninterest expense to average assets	2.7124%	4,941
Loan and lease loss provision to assets	0.0731%	6,042
Net operating income to assets	1.2081%	1,636
Return on assets (ROA)	1.2081%	1,747
Pretax return on assets	1.7775%	1,023
Return on Equity (ROE)	9.0399%	2,699
Retained earnings to average equity (ytd only)	1.8425%	4,830
Net charge-offs to loans	-0.0319%	7,572
Credit loss provision to net charge-offs	-633.3333%	6,451
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	59.4435%	6,491
Assets per employee ($millions)	3.2874%	5,350
Cash dividends to net income (ytd only)*	79.6178%	1,075
Condition Ratios (%)
Loss allowance to loans	0.4172%	7,926
Loan loss allowance to noncurrent loans	14.0934%	7,430
Noncurrent assets plus other real estate owned to assets	1.0931%	4,497
Noncurrent loans to loans	2.9604%	2,207
Net loans and leases to total assets	36.7707%	7,703
Net loans and leases to deposits	43.2909%	7,750
Net loans and leases to core deposits	46.4062%	7,861
Total domestic deposits to total assets	84.9387%	3,237
Equity capital to assets	13.6483%	1,483
Core capital (leverage) ratio	13.1757%	1,427
Tier 1 risk-based capital ratio	27.9256%	759
Total risk-based capital ratio	28.2444%	800
Memoranda:
Average total assets	$103,967,500	5,069
Average earning assets	$96,326,000	5,017
Average equity	$13,894,000	4,357
Average total loans	$37,673,500	6,349
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2830%	7,619
Cost of funding earning assets	0.9804%	8,065
Net interest margin	4.3027%	1,958
Noninterest income to average assets	0.7164%	3,015
Noninterest expense to average assets	2.6597%	5,412
Loan and lease loss provision to assets	0.0566%	6,704
Net operating income to assets	1.2923%	1,503
Return on assets (ROA)	1.2923%	1,456
Pretax return on assets	1.9111%	750
Return on Equity (ROE)	9.8279%	2,320
Retained earnings to average equity (ytd only)	4.2608%	2,473
Net charge-offs to loans	0.0992%	5,325
Credit loss provision to net charge-offs	161.1111%	3,206
Earnings coverage of net charge-offs (x)	56.0000%	705
Efficiency ratio	57.4773%	6,783
Assets per employee ($millions)	3.4202%	4,882
Cash dividends to net income (ytd only)*	56.6465%	2,818
Condition Ratios (%)
Loss allowance to loans	0.3579%	8,036
Loan loss allowance to noncurrent loans	14.7219%	7,403
Noncurrent assets plus other real estate owned to assets	0.8809%	4,650
Noncurrent loans to loans	2.4313%	2,256
Net loans and leases to total assets	35.4464%	7,852
Net loans and leases to deposits	41.4118%	7,911
Net loans and leases to core deposits	42.9214%	8,009
Total domestic deposits to total assets	85.5949%	2,586
Equity capital to assets	13.0903%	1,746
Core capital (leverage) ratio	12.6733%	1,674
Tier 1 risk-based capital ratio	27.4676%	795
Total risk-based capital ratio	27.7385%	844
Memoranda:
Average total assets	$102,455,400	4,978
Average earning assets	$93,128,600	4,997
Average equity	$13,471,800	4,461
Average total loans	$36,281,800	6,350