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Logan County Bank, Performance and Condition Ratios

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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	4.8281%	3,403
Cost of funding earning assets	2.0277%	1,862
Net interest margin	2.8004%	3,702
Noninterest income to average assets	0.1200%	4,037
Noninterest expense to average assets	1.6093%	4,131
Loan and lease loss provision to assets	0.1100%	1,177
Net operating income to assets	0.9542%	2,402
Return on assets (ROA)	0.9542%	2,404
Pretax return on assets	1.0468%	2,633
Return on Equity (ROE)	6.0200%	3,340
Retained earnings to average equity (ytd only)	4.6707%	2,661
Net charge-offs to loans	0.0000%	2,326
Credit loss provision to net charge-offs	0.0000%	1,760
Earnings coverage of net charge-offs (x)	0.0000%	2,230
Efficiency ratio	58.2474%	3,150
Assets per employee ($millions)	8.0620%	1,529
Cash dividends to net income (ytd only)*	22.3881%	1,949
Condition Ratios (%)
Loss allowance to loans	1.1474%	2,479
Loan loss allowance to noncurrent loans	129.2359%	2,653
Noncurrent assets plus other real estate owned to assets	0.5334%	1,393
Noncurrent loans to loans	0.8878%	1,192
Net loans and leases to total assets	59.3900%	2,931
Net loans and leases to deposits	70.8047%	2,811
Net loans and leases to core deposits	88.3016%	2,159
Total domestic deposits to total assets	83.8700%	2,931
Equity capital to assets	16.0037%	462
Core capital (leverage) ratio	17.0891%	380
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	30.5075%	244
Memoranda:
Average total assets	$112,345,000	3,672
Average earning assets	$106,129,000	3,646
Average equity	$17,813,000	3,162
Average total loans	$66,972,000	3,621
2024-12-31		Rank
Percentage of unprofitable institutions	0.0000%	319
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4864%	3,880
Cost of funding earning assets	2.1362%	1,882
Net interest margin	2.3501%	4,045
Noninterest income to average assets	0.0600%	4,337
Noninterest expense to average assets	1.6389%	4,150
Loan and lease loss provision to assets	0.1300%	1,072
Net operating income to assets	0.4464%	3,592
Return on assets (ROA)	0.4464%	3,613
Pretax return on assets	0.5002%	3,645
Return on Equity (ROE)	2.8300%	3,887
Retained earnings to average equity (ytd only)	1.4430%	3,551
Net charge-offs to loans	0.0811%	1,330
Credit loss provision to net charge-offs	282.3529%	908
Earnings coverage of net charge-offs (x)	13.5882%	2,106
Efficiency ratio	72.1910%	1,750
Assets per employee ($millions)	8.6017%	1,220
Cash dividends to net income (ytd only)*	48.9796%	1,691
Condition Ratios (%)
Loss allowance to loans	1.1310%	2,536
Loan loss allowance to noncurrent loans	144.1233%	2,579
Noncurrent assets plus other real estate owned to assets	0.4641%	1,522
Noncurrent loans to loans	0.7847%	1,262
Net loans and leases to total assets	58.4800%	3,064
Net loans and leases to deposits	69.4774%	2,994
Net loans and leases to core deposits	88.2099%	2,243
Total domestic deposits to total assets	84.1700%	2,740
Equity capital to assets	15.7062%	494
Core capital (leverage) ratio	16.9496%	396
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	30.5939%	245
Memoranda:
Average total assets	$109,766,200	3,698
Average earning assets	$103,312,600	3,672
Average equity	$17,324,600	3,159
Average total loans	$62,851,800	3,656
2024-09-30		Rank
Percentage of unprofitable institutions	0.0000%	305
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4100%	3,948
Cost of funding earning assets	2.1155%	1,939
Net interest margin	2.2946%	4,082
Noninterest income to average assets	0.1100%	4,188
Noninterest expense to average assets	1.6256%	4,153
Loan and lease loss provision to assets	0.1400%	908
Net operating income to assets	0.4369%	3,612
Return on assets (ROA)	0.4369%	3,644
Pretax return on assets	0.5113%	3,634
Return on Equity (ROE)	2.7600%	3,924
Retained earnings to average equity (ytd only)	1.3746%	3,621
Net charge-offs to loans	0.1247%	857
Credit loss provision to net charge-offs	191.3793%	1,110
Earnings coverage of net charge-offs (x)	9.1379%	2,181
Efficiency ratio	71.5360%	1,844
Assets per employee ($millions)	7.9419%	1,561
Cash dividends to net income (ytd only)*	50.2793%	1,359
Condition Ratios (%)
Loss allowance to loans	1.0946%	2,789
Loan loss allowance to noncurrent loans	139.6450%	2,652
Noncurrent assets plus other real estate owned to assets	0.4560%	1,515
Noncurrent loans to loans	0.7839%	1,266
Net loans and leases to total assets	57.5400%	3,138
Net loans and leases to deposits	68.5777%	3,086
Net loans and leases to core deposits	84.5933%	2,521
Total domestic deposits to total assets	83.9000%	2,622
Equity capital to assets	15.9830%	499
Core capital (leverage) ratio	17.3398%	376
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	30.8076%	241
Memoranda:
Average total assets	$109,252,250	3,710
Average earning assets	$102,733,250	3,690
Average equity	$17,265,000	3,164
Average total loans	$62,030,250	3,680
2024-06-30		Rank
Percentage of unprofitable institutions	0.0000%	306
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3185%	4,008
Cost of funding earning assets	2.0680%	1,959
Net interest margin	2.2505%	4,125
Noninterest income to average assets	0.1100%	4,190
Noninterest expense to average assets	1.5745%	4,203
Loan and lease loss provision to assets	0.1500%	771
Net operating income to assets	0.4272%	3,607
Return on assets (ROA)	0.4272%	3,644
Pretax return on assets	0.5027%	3,627
Return on Equity (ROE)	2.7100%	3,929
Retained earnings to average equity (ytd only)	1.3102%	3,533
Net charge-offs to loans	0.1570%	650
Credit loss provision to net charge-offs	168.7500%	1,129
Earnings coverage of net charge-offs (x)	7.3750%	2,105
Efficiency ratio	70.7196%	2,024
Assets per employee ($millions)	7.8210%	1,554
Cash dividends to net income (ytd only)*	51.7241%	1,398
Condition Ratios (%)
Loss allowance to loans	1.0964%	2,815
Loan loss allowance to noncurrent loans	153.9150%	2,624
Noncurrent assets plus other real estate owned to assets	0.4082%	1,569
Noncurrent loans to loans	0.7123%	1,313
Net loans and leases to total assets	56.6800%	3,214
Net loans and leases to deposits	67.2719%	3,169
Net loans and leases to core deposits	80.7082%	2,767
Total domestic deposits to total assets	84.2600%	2,537
Equity capital to assets	15.6264%	510
Core capital (leverage) ratio	17.5171%	359
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	31.1195%	240
Memoranda:
Average total assets	$108,607,333	3,729
Average earning assets	$101,934,333	3,711
Average equity	$17,096,333	3,150
Average total loans	$61,147,000	3,695
2024-03-31		Rank
Percentage of unprofitable institutions	0.0000%	11
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2201%	4,048
Cost of funding earning assets	1.9820%	2,034
Net interest margin	2.2381%	4,152
Noninterest income to average assets	0.1300%	4,079
Noninterest expense to average assets	1.5865%	4,206
Loan and lease loss provision to assets	0.0000%	2,519
Net operating income to assets	0.5584%	3,260
Return on assets (ROA)	0.5584%	3,283
Pretax return on assets	0.6398%	3,303
Return on Equity (ROE)	3.5300%	3,755
Retained earnings to average equity (ytd only)	2.1300%	3,208
Net charge-offs to loans	-0.0133%	4,006
Credit loss provision to net charge-offs	0.0000%	1,619
Earnings coverage of net charge-offs (x)	0.0000%	2,130
Efficiency ratio	71.2625%	2,018
Assets per employee ($millions)	7.7694%	1,588
Cash dividends to net income (ytd only)*	39.7351%	1,557
Condition Ratios (%)
Loss allowance to loans	1.0678%	2,961
Loan loss allowance to noncurrent loans	169.7674%	2,597
Noncurrent assets plus other real estate owned to assets	0.3558%	1,688
Noncurrent loans to loans	0.6290%	1,397
Net loans and leases to total assets	55.9700%	3,199
Net loans and leases to deposits	66.5006%	3,133
Net loans and leases to core deposits	78.9679%	2,800
Total domestic deposits to total assets	84.1600%	2,665
Equity capital to assets	15.7165%	475
Core capital (leverage) ratio	17.7088%	347
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	31.3418%	243
Memoranda:
Average total assets	$108,164,000	3,754
Average earning assets	$101,515,000	3,734
Average equity	$17,089,500	3,164
Average total loans	$60,345,000	3,717
2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8481%	4,129
Cost of funding earning assets	1.4370%	2,117
Net interest margin	2.4112%	4,175
Noninterest income to average assets	0.1300%	4,146
Noninterest expense to average assets	1.7097%	4,125
Loan and lease loss provision to assets	0.1200%	1,068
Net operating income to assets	0.4842%	3,698
Return on assets (ROA)	0.4842%	3,697
Pretax return on assets	0.5420%	3,739
Return on Equity (ROE)	3.0500%	4,017
Retained earnings to average equity (ytd only)	1.5934%	3,678
Net charge-offs to loans	0.1179%	814
Credit loss provision to net charge-offs	198.4615%	1,230
Earnings coverage of net charge-offs (x)	10.6462%	2,229
Efficiency ratio	71.9611%	1,662
Assets per employee ($millions)	7.6826%	1,601
Cash dividends to net income (ytd only)*	47.7137%	1,741
Condition Ratios (%)
Loss allowance to loans	1.1072%	2,793
Loan loss allowance to noncurrent loans	374.2857%	1,749
Noncurrent assets plus other real estate owned to assets	0.1627%	2,449
Noncurrent loans to loans	0.2958%	2,118
Net loans and leases to total assets	54.3900%	3,324
Net loans and leases to deposits	64.7548%	3,248
Net loans and leases to core deposits	76.0543%	2,973
Total domestic deposits to total assets	84.0000%	2,616
Equity capital to assets	15.8837%	472
Core capital (leverage) ratio	17.7384%	357
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	31.7168%	225
Memoranda:
Average total assets	$103,878,200	3,797
Average earning assets	$96,799,800	3,777
Average equity	$16,505,400	3,138
Average total loans	$55,114,400	3,774
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7546%	4,154
Cost of funding earning assets	1.2738%	2,216
Net interest margin	2.4808%	4,163
Noninterest income to average assets	0.1300%	4,175
Noninterest expense to average assets	1.6990%	4,129
Loan and lease loss provision to assets	0.0800%	1,428
Net operating income to assets	0.5413%	3,678
Return on assets (ROA)	0.5413%	3,663
Pretax return on assets	0.6617%	3,618
Return on Equity (ROE)	3.4100%	4,060
Retained earnings to average equity (ytd only)	1.9396%	3,734
Net charge-offs to loans	0.0986%	793
Credit loss provision to net charge-offs	147.5000%	1,336
Earnings coverage of net charge-offs (x)	14.2500%	2,000
Efficiency ratio	69.7131%	1,820
Assets per employee ($millions)	7.3481%	1,734
Cash dividends to net income (ytd only)*	43.0622%	1,525
Condition Ratios (%)
Loss allowance to loans	1.0592%	3,073
Loan loss allowance to noncurrent loans	187.6923%	2,582
Noncurrent assets plus other real estate owned to assets	0.3159%	1,756
Noncurrent loans to loans	0.5644%	1,420
Net loans and leases to total assets	55.3900%	3,259
Net loans and leases to deposits	65.8340%	3,142
Net loans and leases to core deposits	75.3368%	2,912
Total domestic deposits to total assets	84.1300%	2,737
Equity capital to assets	15.7571%	465
Core capital (leverage) ratio	18.4147%	327
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	32.1546%	230
Memoranda:
Average total assets	$102,958,500	3,816
Average earning assets	$95,879,500	3,798
Average equity	$16,360,750	3,140
Average total loans	$54,103,250	3,793
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6537%	4,191
Cost of funding earning assets	1.2130%	1,944
Net interest margin	2.4406%	4,268
Noninterest income to average assets	0.1300%	4,181
Noninterest expense to average assets	1.6565%	4,202
Loan and lease loss provision to assets	0.0400%	2,074
Net operating income to assets	0.5884%	3,609
Return on assets (ROA)	0.5884%	3,615
Pretax return on assets	0.7049%	3,595
Return on Equity (ROE)	3.6900%	4,071
Retained earnings to average equity (ytd only)	2.2302%	3,664
Net charge-offs to loans	0.0340%	1,214
Credit loss provision to net charge-offs	255.5556%	944
Earnings coverage of net charge-offs (x)	42.8889%	1,371
Efficiency ratio	68.8458%	1,882
Assets per employee ($millions)	6.8713%	2,024
Cash dividends to net income (ytd only)*	39.6040%	1,716
Condition Ratios (%)
Loss allowance to loans	1.1105%	2,908
Loan loss allowance to noncurrent loans	163.5135%	2,832
Noncurrent assets plus other real estate owned to assets	0.3590%	1,476
Noncurrent loans to loans	0.6791%	1,101
Net loans and leases to total assets	52.2700%	3,388
Net loans and leases to deposits	62.2971%	3,288
Net loans and leases to core deposits	71.6983%	3,028
Total domestic deposits to total assets	83.9100%	2,843
Equity capital to assets	15.9941%	448
Core capital (leverage) ratio	18.3917%	327
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	33.4321%	200
Memoranda:
Average total assets	$102,986,667	3,832
Average earning assets	$95,958,333	3,814
Average equity	$16,411,000	3,153
Average total loans	$52,941,667	3,821
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6323%	4,120
Cost of funding earning assets	1.1705%	1,533
Net interest margin	2.4618%	4,341
Noninterest income to average assets	0.1300%	4,223
Noninterest expense to average assets	1.9552%	3,728
Loan and lease loss provision to assets	0.0200%	2,260
Net operating income to assets	0.3343%	4,196
Return on assets (ROA)	0.3343%	4,153
Pretax return on assets	0.4470%	4,060
Return on Equity (ROE)	2.1100%	4,291
Retained earnings to average equity (ytd only)	0.6368%	3,919
Net charge-offs to loans	-0.0077%	3,766
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	80.6090%	785
Assets per employee ($millions)	7.3401%	1,716
Cash dividends to net income (ytd only)*	69.7674%	791
Condition Ratios (%)
Loss allowance to loans	1.1417%	2,845
Loan loss allowance to noncurrent loans	182.8746%	2,755
Noncurrent assets plus other real estate owned to assets	0.3182%	1,579
Noncurrent loans to loans	0.6243%	1,204
Net loans and leases to total assets	50.3900%	3,457
Net loans and leases to deposits	60.1592%	3,324
Net loans and leases to core deposits	68.8261%	3,034
Total domestic deposits to total assets	83.7600%	3,136
Equity capital to assets	16.1248%	398
Core capital (leverage) ratio	18.2570%	334
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	34.6146%	197
Memoranda:
Average total assets	$102,902,500	3,881
Average earning assets	$96,028,000	3,861
Average equity	$16,331,000	3,191
Average total loans	$52,171,500	3,875
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1838%	3,843
Cost of funding earning assets	0.5941%	924
Net interest margin	2.5898%	4,190
Noninterest income to average assets	0.1200%	4,342
Noninterest expense to average assets	1.6622%	4,228
Loan and lease loss provision to assets	0.1500%	793
Net operating income to assets	0.6583%	3,740
Return on assets (ROA)	0.6592%	3,686
Pretax return on assets	0.7398%	3,768
Return on Equity (ROE)	3.8800%	4,178
Retained earnings to average equity (ytd only)	2.4407%	3,876
Net charge-offs to loans	0.0254%	1,553
Credit loss provision to net charge-offs	1,250.0000%	366
Earnings coverage of net charge-offs (x)	72.8333%	1,138
Efficiency ratio	65.0819%	2,352
Assets per employee ($millions)	7.3603%	1,714
Cash dividends to net income (ytd only)*	37.1517%	2,053
Condition Ratios (%)
Loss allowance to loans	1.1373%	2,708
Loan loss allowance to noncurrent loans	256.9565%	2,373
Noncurrent assets plus other real estate owned to assets	0.2232%	2,043
Noncurrent loans to loans	0.4426%	1,597
Net loans and leases to total assets	49.8500%	3,514
Net loans and leases to deposits	59.2021%	3,381
Net loans and leases to core deposits	67.6250%	3,033
Total domestic deposits to total assets	84.2100%	3,158
Equity capital to assets	15.6166%	417
Core capital (leverage) ratio	18.5443%	308
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	34.0651%	193
Memoranda:
Average total assets	$98,002,600	3,947
Average earning assets	$92,247,400	3,915
Average equity	$16,634,800	3,229
Average total loans	$47,324,800	3,940
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1461%	3,564
Cost of funding earning assets	0.4601%	939
Net interest margin	2.6860%	3,956
Noninterest income to average assets	0.1300%	4,339
Noninterest expense to average assets	1.6580%	4,230
Loan and lease loss provision to assets	0.0400%	1,932
Net operating income to assets	0.8684%	3,008
Return on assets (ROA)	0.8696%	2,975
Pretax return on assets	0.9620%	3,133
Return on Equity (ROE)	5.0200%	3,978
Retained earnings to average equity (ytd only)	3.5856%	3,589
Net charge-offs to loans	-0.0029%	3,345
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	0.0000%	2,297
Efficiency ratio	62.3316%	2,792
Assets per employee ($millions)	6.9669%	1,968
Cash dividends to net income (ytd only)*	28.5261%	2,095
Condition Ratios (%)
Loss allowance to loans	0.9654%	3,633
Loan loss allowance to noncurrent loans	118.6275%	3,231
Noncurrent assets plus other real estate owned to assets	0.4183%	1,302
Noncurrent loans to loans	0.8138%	980
Net loans and leases to total assets	50.9000%	3,389
Net loans and leases to deposits	61.9039%	3,026
Net loans and leases to core deposits	68.0007%	2,802
Total domestic deposits to total assets	82.2300%	3,803
Equity capital to assets	16.1756%	360
Core capital (leverage) ratio	19.2018%	268
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	35.2465%	192
Memoranda:
Average total assets	$96,742,250	3,982
Average earning assets	$91,285,000	3,945
Average equity	$16,770,500	3,255
Average total loans	$46,165,250	3,983
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0611%	3,399
Cost of funding earning assets	0.3999%	919
Net interest margin	2.6612%	3,792
Noninterest income to average assets	0.1265%	4,365
Noninterest expense to average assets	1.6688%	4,184
Loan and lease loss provision to assets	0.0415%	1,833
Net operating income to assets	0.8398%	2,820
Return on assets (ROA)	0.8416%	2,784
Pretax return on assets	0.9287%	2,967
Return on Equity (ROE)	4.7481%	3,867
Retained earnings to average equity (ytd only)	3.3447%	3,328
Net charge-offs to loans	0.0223%	1,279
Credit loss provision to net charge-offs	400.0000%	697
Earnings coverage of net charge-offs (x)	93.4000%	851
Efficiency ratio	63.2862%	2,872
Assets per employee ($millions)	6.9076%	2,001
Cash dividends to net income (ytd only)*	29.5567%	2,121
Condition Ratios (%)
Loss allowance to loans	0.9862%	3,660
Loan loss allowance to noncurrent loans	296.2025%	2,173
Noncurrent assets plus other real estate owned to assets	0.1634%	2,562
Noncurrent loans to loans	0.3329%	2,140
Net loans and leases to total assets	48.5885%	3,500
Net loans and leases to deposits	58.4617%	3,181
Net loans and leases to core deposits	64.1877%	2,949
Total domestic deposits to total assets	83.1117%	3,861
Equity capital to assets	16.8118%	292
Core capital (leverage) ratio	19.3834%	222
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	36.5565%	142
Memoranda:
Average total assets	$96,477,667	4,024
Average earning assets	$91,011,667	4,001
Average equity	$17,101,667	3,313
Average total loans	$44,842,333	4,052
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0363%	3,147
Cost of funding earning assets	0.3817%	977
Net interest margin	2.6545%	3,512
Noninterest income to average assets	0.1204%	4,406
Noninterest expense to average assets	1.4570%	4,475
Loan and lease loss provision to assets	0.0415%	1,608
Net operating income to assets	1.0591%	1,658
Return on assets (ROA)	1.0668%	1,621
Pretax return on assets	1.1415%	2,011
Return on Equity (ROE)	5.8664%	3,380
Retained earnings to average equity (ytd only)	4.4968%	2,783
Net charge-offs to loans	0.0092%	1,415
Credit loss provision to net charge-offs	1,000.0000%	327
Earnings coverage of net charge-offs (x)	283.0000%	334
Efficiency ratio	55.3628%	3,930
Assets per employee ($millions)	6.7896%	2,157
Cash dividends to net income (ytd only)*	23.3463%	1,915
Condition Ratios (%)
Loss allowance to loans	1.0437%	3,556
Loan loss allowance to noncurrent loans	342.2222%	1,921
Noncurrent assets plus other real estate owned to assets	0.1420%	2,801
Noncurrent loans to loans	0.3050%	2,369
Net loans and leases to total assets	46.0843%	3,569
Net loans and leases to deposits	56.7739%	3,189
Net loans and leases to core deposits	62.2186%	2,955
Total domestic deposits to total assets	81.1718%	4,186
Equity capital to assets	17.7920%	235
Core capital (leverage) ratio	19.2784%	200
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	38.1168%	129
Memoranda:
Average total assets	$96,363,500	4,042
Average earning assets	$91,164,500	4,013
Average equity	$17,523,500	3,358
Average total loans	$43,535,500	4,088
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9739%	3,918
Cost of funding earning assets	0.4160%	1,431
Net interest margin	2.5579%	4,111
Noninterest income to average assets	0.1093%	4,566
Noninterest expense to average assets	1.5573%	4,476
Loan and lease loss provision to assets	0.0701%	1,679
Net operating income to assets	0.8263%	3,252
Return on assets (ROA)	0.8217%	3,341
Pretax return on assets	0.9310%	3,420
Return on Equity (ROE)	4.2736%	4,160
Retained earnings to average equity (ytd only)	2.9484%	3,649
Net charge-offs to loans	0.0966%	874
Credit loss provision to net charge-offs	173.6842%	1,395
Earnings coverage of net charge-offs (x)	24.9474%	1,735
Efficiency ratio	60.7453%	3,034
Assets per employee ($millions)	7.5133%	1,613
Cash dividends to net income (ytd only)*	31.0078%	2,502
Condition Ratios (%)
Loss allowance to loans	1.0583%	3,537
Loan loss allowance to noncurrent loans	1,562.0690%	637
Noncurrent assets plus other real estate owned to assets	0.0297%	3,829
Noncurrent loans to loans	0.0678%	3,605
Net loans and leases to total assets	43.3600%	3,884
Net loans and leases to deposits	53.3314%	3,642
Net loans and leases to core deposits	57.4867%	3,515
Total domestic deposits to total assets	81.3029%	4,067
Equity capital to assets	18.5671%	235
Core capital (leverage) ratio	18.5896%	221
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	38.5125%	127
Memoranda:
Average total assets	$94,199,800	4,053
Average earning assets	$90,385,800	4,015
Average equity	$18,111,400	3,371
Average total loans	$39,354,600	4,206
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0002%	4,005
Cost of funding earning assets	0.4229%	1,536
Net interest margin	2.5773%	4,165
Noninterest income to average assets	0.1086%	4,632
Noninterest expense to average assets	1.4700%	4,621
Loan and lease loss provision to assets	0.0214%	2,566
Net operating income to assets	0.9803%	2,985
Return on assets (ROA)	0.9714%	3,093
Pretax return on assets	1.0886%	3,220
Return on Equity (ROE)	5.0076%	4,118
Retained earnings to average equity (ytd only)	3.6820%	3,683
Net charge-offs to loans	0.0104%	1,932
Credit loss provision to net charge-offs	500.0000%	756
Earnings coverage of net charge-offs (x)	261.3333%	469
Efficiency ratio	56.7568%	3,442
Assets per employee ($millions)	7.4475%	1,598
Cash dividends to net income (ytd only)*	26.4706%	2,247
Condition Ratios (%)
Loss allowance to loans	1.0616%	3,614
Loan loss allowance to noncurrent loans	204.2056%	2,504
Noncurrent assets plus other real estate owned to assets	0.2210%	2,676
Noncurrent loans to loans	0.5198%	1,999
Net loans and leases to total assets	42.0680%	4,088
Net loans and leases to deposits	52.5054%	3,844
Net loans and leases to core deposits	56.6925%	3,722
Total domestic deposits to total assets	80.1213%	4,212
Equity capital to assets	18.8934%	230
Core capital (leverage) ratio	18.8657%	227
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	40.0895%	130
Memoranda:
Average total assets	$93,331,500	4,113
Average earning assets	$89,859,500	4,070
Average equity	$18,105,500	3,418
Average total loans	$38,492,250	4,283
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0234%	3,999
Cost of funding earning assets	0.4322%	1,646
Net interest margin	2.5912%	4,182
Noninterest income to average assets	0.1150%	4,627
Noninterest expense to average assets	1.4842%	4,633
Loan and lease loss provision to assets	0.0108%	2,721
Net operating income to assets	1.0001%	2,880
Return on assets (ROA)	0.9982%	2,966
Pretax return on assets	1.1153%	3,161
Return on Equity (ROE)	5.0988%	4,107
Retained earnings to average equity (ytd only)	3.7687%	3,594
Net charge-offs to loans	0.0000%	2,245
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	56.8106%	3,430
Assets per employee ($millions)	7.3965%	1,535
Cash dividends to net income (ytd only)*	26.0870%	2,243
Condition Ratios (%)
Loss allowance to loans	1.1070%	3,383
Loan loss allowance to noncurrent loans	217.1717%	2,343
Noncurrent assets plus other real estate owned to assets	0.2059%	2,912
Noncurrent loans to loans	0.5097%	2,149
Net loans and leases to total assets	39.9515%	4,289
Net loans and leases to deposits	49.2974%	4,149
Net loans and leases to core deposits	53.1990%	4,067
Total domestic deposits to total assets	81.0419%	4,086
Equity capital to assets	18.8437%	232
Core capital (leverage) ratio	19.2546%	206
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	42.4206%	110
Memoranda:
Average total assets	$92,169,667	4,150
Average earning assets	$88,840,667	4,103
Average equity	$18,043,333	3,422
Average total loans	$37,601,000	4,325
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1242%	3,843
Cost of funding earning assets	0.4575%	1,666
Net interest margin	2.6667%	4,030
Noninterest income to average assets	0.1109%	4,641
Noninterest expense to average assets	1.4327%	4,709
Loan and lease loss provision to assets	0.0000%	2,741
Net operating income to assets	1.1178%	2,417
Return on assets (ROA)	1.1178%	2,496
Pretax return on assets	1.2376%	2,740
Return on Equity (ROE)	5.5983%	3,968
Retained earnings to average equity (ytd only)	4.2654%	3,432
Net charge-offs to loans	-0.0108%	3,701
Credit loss provision to net charge-offs	0.0000%	1,471
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	53.6545%	3,826
Assets per employee ($millions)	7.0049%	1,799
Cash dividends to net income (ytd only)*	23.8095%	1,890
Condition Ratios (%)
Loss allowance to loans	1.1367%	3,262
Loan loss allowance to noncurrent loans	575.6757%	1,054
Noncurrent assets plus other real estate owned to assets	0.0813%	3,802
Noncurrent loans to loans	0.1974%	3,403
Net loans and leases to total assets	40.6879%	4,304
Net loans and leases to deposits	50.7555%	4,123
Net loans and leases to core deposits	55.5244%	4,010
Total domestic deposits to total assets	80.1645%	4,180
Equity capital to assets	19.7257%	196
Core capital (leverage) ratio	20.0056%	187
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	44.4227%	106
Memoranda:
Average total assets	$90,177,500	4,184
Average earning assets	$86,550,500	4,137
Average equity	$18,005,500	3,421
Average total loans	$36,979,000	4,354
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2991%	4,334
Cost of funding earning assets	0.6022%	2,288
Net interest margin	2.6969%	4,376
Noninterest income to average assets	0.1974%	4,293
Noninterest expense to average assets	1.6535%	4,662
Loan and lease loss provision to assets	0.0654%	3,560
Net operating income to assets	0.9413%	2,518
Return on assets (ROA)	0.9330%	2,697
Pretax return on assets	1.0580%	2,843
Return on Equity (ROE)	4.5513%	4,011
Retained earnings to average equity (ytd only)	3.1842%	3,240
Net charge-offs to loans	0.1366%	1,182
Credit loss provision to net charge-offs	116.6667%	2,665
Earnings coverage of net charge-offs (x)	20.2083%	1,946
Efficiency ratio	59.3462%	3,547
Assets per employee ($millions)	6.8685%	1,668
Cash dividends to net income (ytd only)*	30.0375%	2,841
Condition Ratios (%)
Loss allowance to loans	1.1650%	3,132
Loan loss allowance to noncurrent loans	228.4946%	2,124
Noncurrent assets plus other real estate owned to assets	0.2083%	3,248
Noncurrent loans to loans	0.5099%	2,441
Net loans and leases to total assets	40.3792%	4,427
Net loans and leases to deposits	50.7581%	4,276
Net loans and leases to core deposits	55.8940%	4,157
Total domestic deposits to total assets	79.5523%	4,128
Equity capital to assets	20.2126%	192
Core capital (leverage) ratio	19.9085%	193
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	45.4464%	98
Memoranda:
Average total assets	$85,634,600	4,179
Average earning assets	$82,204,000	4,130
Average equity	$17,555,600	3,413
Average total loans	$35,149,000	4,402
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3606%	4,404
Cost of funding earning assets	0.6341%	2,411
Net interest margin	2.7265%	4,434
Noninterest income to average assets	0.2282%	4,129
Noninterest expense to average assets	1.5313%	4,780
Loan and lease loss provision to assets	0.0484%	3,753
Net operating income to assets	1.0915%	2,010
Return on assets (ROA)	1.0875%	2,158
Pretax return on assets	1.2622%	2,186
Return on Equity (ROE)	5.2850%	3,798
Retained earnings to average equity (ytd only)	3.9083%	3,096
Net charge-offs to loans	0.1149%	1,207
Credit loss provision to net charge-offs	103.3333%	2,599
Earnings coverage of net charge-offs (x)	27.8667%	1,648
Efficiency ratio	53.7866%	4,170
Assets per employee ($millions)	7.2928%	1,327
Cash dividends to net income (ytd only)*	26.0492%	2,539
Condition Ratios (%)
Loss allowance to loans	1.1877%	2,735
Loan loss allowance to noncurrent loans	181.7391%	2,374
Noncurrent assets plus other real estate owned to assets	0.2628%	3,126
Noncurrent loans to loans	0.6535%	2,156
Net loans and leases to total assets	39.7392%	4,575
Net loans and leases to deposits	50.1572%	4,481
Net loans and leases to core deposits	55.3509%	4,404
Total domestic deposits to total assets	79.2294%	4,021
Equity capital to assets	20.5501%	192
Core capital (leverage) ratio	20.2098%	191
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	47.1306%	98
Memoranda:
Average total assets	$84,720,500	4,192
Average earning assets	$81,371,500	4,149
Average equity	$17,432,500	3,426
Average total loans	$34,816,250	4,441
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4376%	4,500
Cost of funding earning assets	0.6726%	2,539
Net interest margin	2.7650%	4,494
Noninterest income to average assets	0.2960%	3,699
Noninterest expense to average assets	1.5539%	4,813
Loan and lease loss provision to assets	0.0740%	3,374
Net operating income to assets	1.1211%	1,897
Return on assets (ROA)	1.1171%	2,029
Pretax return on assets	1.3128%	1,988
Return on Equity (ROE)	5.4265%	3,710
Retained earnings to average equity (ytd only)	4.0351%	2,889
Net charge-offs to loans	0.1557%	946
Credit loss provision to net charge-offs	114.8148%	2,312
Earnings coverage of net charge-offs (x)	21.5926%	1,649
Efficiency ratio	52.7553%	4,294
Assets per employee ($millions)	6.6882%	1,646
Cash dividends to net income (ytd only)*	25.6410%	2,528
Condition Ratios (%)
Loss allowance to loans	1.2149%	2,441
Loan loss allowance to noncurrent loans	100.9592%	3,199
Noncurrent assets plus other real estate owned to assets	0.4796%	2,401
Noncurrent loans to loans	1.2034%	1,306
Net loans and leases to total assets	39.3716%	4,632
Net loans and leases to deposits	49.6836%	4,544
Net loans and leases to core deposits	54.8449%	4,470
Total domestic deposits to total assets	79.2446%	3,992
Equity capital to assets	20.4840%	193
Core capital (leverage) ratio	20.7455%	183
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	47.5798%	95
Memoranda:
Average total assets	$83,789,667	4,211
Average earning assets	$80,288,000	4,165
Average equity	$17,248,667	3,442
Average total loans	$34,690,000	4,461
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5250%	4,609
Cost of funding earning assets	0.7101%	2,889
Net interest margin	2.8149%	4,554
Noninterest income to average assets	0.1119%	4,785
Noninterest expense to average assets	1.5083%	4,917
Loan and lease loss provision to assets	0.0000%	3,711
Net operating income to assets	1.1547%	1,678
Return on assets (ROA)	1.2066%	1,608
Pretax return on assets	1.3623%	1,680
Return on Equity (ROE)	5.8463%	3,371
Retained earnings to average equity (ytd only)	4.4319%	2,519
Net charge-offs to loans	0.0576%	1,432
Credit loss provision to net charge-offs	0.0000%	2,252
Earnings coverage of net charge-offs (x)	53.6000%	852
Efficiency ratio	53.6332%	4,421
Assets per employee ($millions)	6.7387%	1,216
Cash dividends to net income (ytd only)*	24.1935%	2,269
Condition Ratios (%)
Loss allowance to loans	1.1825%	2,763
Loan loss allowance to noncurrent loans	121.5339%	2,937
Noncurrent assets plus other real estate owned to assets	0.4353%	2,722
Noncurrent loans to loans	0.9730%	1,690
Net loans and leases to total assets	42.5752%	4,568
Net loans and leases to deposits	53.8712%	4,451
Net loans and leases to core deposits	59.9311%	4,359
Total domestic deposits to total assets	79.0315%	4,045
Equity capital to assets	20.8770%	208
Core capital (leverage) ratio	21.1955%	195
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$82,211,500	4,235
Average earning assets	$78,866,000	4,191
Average equity	$16,968,000	3,474
Average total loans	$34,708,500	4,479
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4641%	4,880
Cost of funding earning assets	0.6498%	3,412
Net interest margin	2.8143%	4,748
Noninterest income to average assets	0.0973%	4,936
Noninterest expense to average assets	1.6898%	4,881
Loan and lease loss provision to assets	0.0365%	3,279
Net operating income to assets	0.9314%	3,085
Return on assets (ROA)	0.9324%	3,164
Pretax return on assets	1.0734%	3,250
Return on Equity (ROE)	4.6636%	4,306
Retained earnings to average equity (ytd only)	3.2043%	3,418
Net charge-offs to loans	0.0661%	2,144
Credit loss provision to net charge-offs	136.3636%	1,881
Earnings coverage of net charge-offs (x)	41.4545%	1,287
Efficiency ratio	60.3823%	3,635
Assets per employee ($millions)	7.5963%	833
Cash dividends to net income (ytd only)*	31.2907%	3,022
Condition Ratios (%)
Loss allowance to loans	1.2060%	2,401
Loan loss allowance to noncurrent loans	110.6101%	3,112
Noncurrent assets plus other real estate owned to assets	0.4667%	2,536
Noncurrent loans to loans	1.0903%	1,386
Net loans and leases to total assets	40.8813%	4,703
Net loans and leases to deposits	51.4226%	4,629
Net loans and leases to core deposits	56.4721%	4,565
Total domestic deposits to total assets	79.5007%	4,076
Equity capital to assets	20.4095%	233
Core capital (leverage) ratio	20.7166%	212
Tier 1 risk-based capital ratio	47.6611%	152
Total risk-based capital ratio	48.8146%	149
Memoranda:
Average total assets	$82,258,400	4,254
Average earning assets	$78,952,600	4,202
Average equity	$16,446,400	3,503
Average total loans	$33,308,000	4,572
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4534%	4,983
Cost of funding earning assets	0.6253%	3,555
Net interest margin	2.8281%	4,833
Noninterest income to average assets	0.1009%	4,986
Noninterest expense to average assets	1.6696%	4,950
Loan and lease loss provision to assets	0.0098%	3,698
Net operating income to assets	0.9585%	3,133
Return on assets (ROA)	0.9585%	3,210
Pretax return on assets	1.1375%	3,178
Return on Equity (ROE)	4.8195%	4,374
Retained earnings to average equity (ytd only)	3.3467%	3,728
Net charge-offs to loans	0.0323%	2,428
Credit loss provision to net charge-offs	75.0000%	2,566
Earnings coverage of net charge-offs (x)	88.0956%	809
Efficiency ratio	59.2721%	3,770
Assets per employee ($millions)	5.8558%	1,711
Cash dividends to net income (ytd only)*	30.5599%	2,581
Condition Ratios (%)
Loss allowance to loans	1.1991%	2,514
Loan loss allowance to noncurrent loans	115.2975%	3,082
Noncurrent assets plus other real estate owned to assets	0.4477%	2,734
Noncurrent loans to loans	1.0400%	1,541
Net loans and leases to total assets	40.9046%	4,783
Net loans and leases to deposits	51.5844%	4,723
Net loans and leases to core deposits	56.5126%	4,669
Total domestic deposits to total assets	79.2964%	4,121
Equity capital to assets	20.6292%	233
Core capital (leverage) ratio	20.6597%	221
Tier 1 risk-based capital ratio	47.8937%	151
Total risk-based capital ratio	49.0329%	151
Memoranda:
Average total assets	$81,933,250	4,312
Average earning assets	$78,684,000	4,262
Average equity	$16,294,500	3,547
Average total loans	$32,990,750	4,643
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5157%	4,997
Cost of funding earning assets	0.5987%	3,657
Net interest margin	2.9170%	4,806
Noninterest income to average assets	0.1074%	5,007
Noninterest expense to average assets	1.6187%	5,045
Loan and lease loss provision to assets	0.0146%	3,485
Net operating income to assets	1.0865%	2,577
Return on assets (ROA)	1.0865%	2,643
Pretax return on assets	1.2696%	2,674
Return on Equity (ROE)	5.5318%	4,196
Retained earnings to average equity (ytd only)	4.0401%	3,224
Net charge-offs to loans	0.0428%	2,043
Credit loss provision to net charge-offs	85.7143%	2,173
Earnings coverage of net charge-offs (x)	75.1429%	854
Efficiency ratio	55.7611%	4,275
Assets per employee ($millions)	5.9311%	1,592
Cash dividends to net income (ytd only)*	26.9663%	2,755
Condition Ratios (%)
Loss allowance to loans	1.2316%	2,354
Loan loss allowance to noncurrent loans	145.7143%	2,695
Noncurrent assets plus other real estate owned to assets	0.3372%	3,187
Noncurrent loans to loans	0.8452%	1,910
Net loans and leases to total assets	39.4046%	4,865
Net loans and leases to deposits	49.3805%	4,823
Net loans and leases to core deposits	53.9818%	4,780
Total domestic deposits to total assets	79.7979%	4,071
Equity capital to assets	20.1202%	245
Core capital (leverage) ratio	20.6278%	215
Tier 1 risk-based capital ratio	48.0649%	148
Total risk-based capital ratio	49.2167%	149
Memoranda:
Average total assets	$81,917,330	4,348
Average earning assets	$78,504,000	4,289
Average equity	$16,088,670	3,565
Average total loans	$32,674,000	4,688
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5340%	5,014
Cost of funding earning assets	0.5658%	3,755
Net interest margin	2.9681%	4,791
Noninterest income to average assets	0.0983%	5,083
Noninterest expense to average assets	1.5290%	5,146
Loan and lease loss provision to assets	0.0000%	3,406
Net operating income to assets	1.2291%	1,952
Return on assets (ROA)	1.2291%	2,001
Pretax return on assets	1.4061%	2,064
Return on Equity (ROE)	6.3373%	3,901
Retained earnings to average equity (ytd only)	4.8164%	2,985
Net charge-offs to loans	0.0123%	2,255
Credit loss provision to net charge-offs	0.0000%	2,210
Earnings coverage of net charge-offs (x)	286.0000%	285
Efficiency ratio	52.0938%	4,694
Assets per employee ($millions)	5.8323%	1,681
Cash dividends to net income (ytd only)*	24.0000%	2,374
Condition Ratios (%)
Loss allowance to loans	1.2499%	2,328
Loan loss allowance to noncurrent loans	247.2727%	1,837
Noncurrent assets plus other real estate owned to assets	0.2021%	3,806
Noncurrent loans to loans	0.5055%	2,794
Net loans and leases to total assets	39.4773%	4,907
Net loans and leases to deposits	49.2363%	4,842
Net loans and leases to core deposits	52.6828%	4,821
Total domestic deposits to total assets	80.1793%	4,146
Equity capital to assets	19.7142%	250
Core capital (leverage) ratio	20.7472%	210
Tier 1 risk-based capital ratio	48.9553%	141
Total risk-based capital ratio	50.1377%	140
Memoranda:
Average total assets	$81,358,000	4,399
Average earning assets	$77,759,500	4,342
Average equity	$15,779,500	3,606
Average total loans	$32,447,000	4,741
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3924%	5,013
Cost of funding earning assets	0.4326%	3,785
Net interest margin	2.9598%	4,839
Noninterest income to average assets	0.0790%	5,207
Noninterest expense to average assets	1.6283%	5,150
Loan and lease loss provision to assets	0.0437%	3,307
Net operating income to assets	1.0584%	2,765
Return on assets (ROA)	1.0584%	2,752
Pretax return on assets	1.2333%	2,765
Return on Equity (ROE)	5.7553%	4,250
Retained earnings to average equity (ytd only)	4.1695%	3,260
Net charge-offs to loans	0.0191%	3,062
Credit loss provision to net charge-offs	600.0000%	575
Earnings coverage of net charge-offs (x)	175.1667%	500
Efficiency ratio	56.0435%	4,408
Assets per employee ($millions)	5.7903%	1,681
Cash dividends to net income (ytd only)*	27.5545%	3,149
Condition Ratios (%)
Loss allowance to loans	1.2681%	2,207
Loan loss allowance to noncurrent loans	218.7166%	2,095
Noncurrent assets plus other real estate owned to assets	0.2307%	3,675
Noncurrent loans to loans	0.5798%	2,550
Net loans and leases to total assets	39.2813%	4,967
Net loans and leases to deposits	48.5871%	4,923
Net loans and leases to core deposits	51.1394%	4,914
Total domestic deposits to total assets	80.8472%	3,929
Equity capital to assets	19.0738%	268
Core capital (leverage) ratio	20.4927%	217
Tier 1 risk-based capital ratio	48.7422%	141
Total risk-based capital ratio	49.9358%	140
Memoranda:
Average total assets	$82,296,800	4,395
Average earning assets	$78,586,800	4,337
Average equity	$15,133,800	3,627
Average total loans	$31,438,600	4,782
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3578%	5,076
Cost of funding earning assets	0.3939%	3,906
Net interest margin	2.9639%	4,902
Noninterest income to average assets	0.0904%	5,242
Noninterest expense to average assets	1.5543%	5,242
Loan and lease loss provision to assets	0.0097%	3,796
Net operating income to assets	1.1411%	2,484
Return on assets (ROA)	1.1411%	2,496
Pretax return on assets	1.3558%	2,404
Return on Equity (ROE)	6.2627%	4,185
Retained earnings to average equity (ytd only)	4.6682%	3,409
Net charge-offs to loans	0.0171%	2,826
Credit loss provision to net charge-offs	150.0000%	1,705
Earnings coverage of net charge-offs (x)	211.6266%	426
Efficiency ratio	53.2338%	4,685
Assets per employee ($millions)	5.7968%	1,645
Cash dividends to net income (ytd only)*	25.4593%	2,775
Condition Ratios (%)
Loss allowance to loans	1.1802%	2,741
Loan loss allowance to noncurrent loans	113.7313%	3,236
Noncurrent assets plus other real estate owned to assets	0.4128%	3,040
Noncurrent loans to loans	1.0377%	1,645
Net loans and leases to total assets	39.3100%	5,045
Net loans and leases to deposits	48.8396%	4,990
Net loans and leases to core deposits	50.7541%	4,999
Total domestic deposits to total assets	80.4880%	3,998
Equity capital to assets	18.4499%	295
Core capital (leverage) ratio	20.2840%	224
Tier 1 risk-based capital ratio	47.8603%	150
Total risk-based capital ratio	48.9590%	150
Memoranda:
Average total assets	$82,605,000	4,430
Average earning assets	$78,858,500	4,381
Average equity	$15,051,750	3,655
Average total loans	$31,235,250	4,838
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3350%	5,108
Cost of funding earning assets	0.3815%	3,859
Net interest margin	2.9535%	4,938
Noninterest income to average assets	0.0674%	5,360
Noninterest expense to average assets	1.5429%	5,310
Loan and lease loss provision to assets	0.0000%	3,782
Net operating income to assets	1.1048%	2,563
Return on assets (ROA)	1.1048%	2,569
Pretax return on assets	1.3383%	2,371
Return on Equity (ROE)	6.0883%	4,198
Retained earnings to average equity (ytd only)	4.4966%	3,344
Net charge-offs to loans	-0.0194%	4,556
Credit loss provision to net charge-offs	0.0000%	2,759
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	53.5505%	4,737
Assets per employee ($millions)	5.9344%	1,513
Cash dividends to net income (ytd only)*	26.1438%	2,749
Condition Ratios (%)
Loss allowance to loans	1.2075%	2,667
Loan loss allowance to noncurrent loans	223.3918%	2,083
Noncurrent assets plus other real estate owned to assets	0.2058%	3,974
Noncurrent loans to loans	0.5405%	2,796
Net loans and leases to total assets	37.6187%	5,139
Net loans and leases to deposits	46.0186%	5,099
Net loans and leases to core deposits	47.5375%	5,114
Total domestic deposits to total assets	81.7467%	3,795
Equity capital to assets	18.1161%	312
Core capital (leverage) ratio	19.9436%	228
Tier 1 risk-based capital ratio	47.6550%	152
Total risk-based capital ratio	48.7643%	151
Memoranda:
Average total assets	$83,088,330	4,469
Average earning assets	$79,161,000	4,416
Average equity	$15,078,000	3,673
Average total loans	$30,886,000	4,903
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3316%	5,095
Cost of funding earning assets	0.3730%	3,797
Net interest margin	2.9586%	4,936
Noninterest income to average assets	0.0818%	5,391
Noninterest expense to average assets	1.4346%	5,438
Loan and lease loss provision to assets	0.0000%	3,508
Net operating income to assets	1.1746%	2,118
Return on assets (ROA)	1.1746%	2,127
Pretax return on assets	1.4731%	1,750
Return on Equity (ROE)	6.4672%	3,999
Retained earnings to average equity (ytd only)	4.8769%	3,233
Net charge-offs to loans	0.0262%	1,974
Credit loss provision to net charge-offs	0.0000%	2,201
Earnings coverage of net charge-offs (x)	153.0000%	424
Efficiency ratio	49.3377%	5,119
Assets per employee ($millions)	5.8879%	1,614
Cash dividends to net income (ytd only)*	24.5902%	2,291
Condition Ratios (%)
Loss allowance to loans	1.2291%	2,636
Loan loss allowance to noncurrent loans	87.0670%	3,704
Noncurrent assets plus other real estate owned to assets	0.5253%	2,774
Noncurrent loans to loans	1.4117%	1,260
Net loans and leases to total assets	36.7524%	5,186
Net loans and leases to deposits	44.9221%	5,133
Net loans and leases to core deposits	46.4120%	5,149
Total domestic deposits to total assets	81.8137%	4,011
Equity capital to assets	18.0286%	313
Core capital (leverage) ratio	19.7497%	222
Tier 1 risk-based capital ratio	51.0987%	124
Total risk-based capital ratio	52.2839%	124
Memoranda:
Average total assets	$83,092,000	4,515
Average earning assets	$79,361,000	4,458
Average equity	$15,091,500	3,696
Average total loans	$30,511,000	4,961
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2229%	5,165
Cost of funding earning assets	0.3522%	3,696
Net interest margin	2.8707%	5,081
Noninterest income to average assets	0.0997%	5,414
Noninterest expense to average assets	1.6212%	5,395
Loan and lease loss provision to assets	0.0636%	2,954
Net operating income to assets	0.9799%	2,329
Return on assets (ROA)	0.9799%	2,367
Pretax return on assets	1.1553%	2,963
Return on Equity (ROE)	5.3907%	4,008
Retained earnings to average equity (ytd only)	3.8052%	2,940
Net charge-offs to loans	0.1464%	1,622
Credit loss provision to net charge-offs	120.4545%	2,167
Earnings coverage of net charge-offs (x)	23.0682%	1,825
Efficiency ratio	57.0825%	4,646
Assets per employee ($millions)	5.9824%	1,526
Cash dividends to net income (ytd only)*	29.4118%	3,324
Condition Ratios (%)
Loss allowance to loans	1.2488%	2,483
Loan loss allowance to noncurrent loans	167.6991%	2,604
Noncurrent assets plus other real estate owned to assets	0.2698%	3,808
Noncurrent loans to loans	0.7446%	2,345
Net loans and leases to total assets	35.7846%	5,294
Net loans and leases to deposits	43.8576%	5,251
Net loans and leases to core deposits	45.2898%	5,259
Total domestic deposits to total assets	81.5925%	3,971
Equity capital to assets	18.2941%	293
Core capital (leverage) ratio	18.9628%	236
Tier 1 risk-based capital ratio	48.1874%	129
Total risk-based capital ratio	49.3238%	129
Memoranda:
Average total assets	$83,269,800	4,525
Average earning assets	$79,493,200	4,473
Average equity	$15,137,200	3,708
Average total loans	$30,050,600	5,025
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2193%	5,209
Cost of funding earning assets	0.3463%	3,710
Net interest margin	2.8730%	5,124
Noninterest income to average assets	0.1042%	5,465
Noninterest expense to average assets	1.5779%	5,468
Loan and lease loss provision to assets	0.0321%	3,484
Net operating income to assets	1.0070%	2,520
Return on assets (ROA)	1.0070%	2,562
Pretax return on assets	1.2347%	2,767
Return on Equity (ROE)	5.5484%	4,298
Retained earnings to average equity (ytd only)	3.9581%	3,564
Net charge-offs to loans	0.0623%	2,224
Credit loss provision to net charge-offs	142.8571%	1,748
Earnings coverage of net charge-offs (x)	56.4172%	1,032
Efficiency ratio	55.4679%	4,796
Assets per employee ($millions)	6.0145%	1,482
Cash dividends to net income (ytd only)*	28.6620%	2,807
Condition Ratios (%)
Loss allowance to loans	1.2396%	2,694
Loan loss allowance to noncurrent loans	99.4709%	3,529
Noncurrent assets plus other real estate owned to assets	0.4644%	3,178
Noncurrent loans to loans	1.2462%	1,531
Net loans and leases to total assets	35.5771%	5,367
Net loans and leases to deposits	43.6729%	5,319
Net loans and leases to core deposits	45.6592%	5,321
Total domestic deposits to total assets	81.4627%	3,926
Equity capital to assets	18.3972%	305
Core capital (leverage) ratio	18.8629%	257
Tier 1 risk-based capital ratio	47.5937%	144
Total risk-based capital ratio	48.7163%	144
Memoranda:
Average total assets	$83,148,750	4,578
Average earning assets	$79,312,000	4,518
Average equity	$15,091,000	3,743
Average total loans	$29,975,750	5,079
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2413%	5,190
Cost of funding earning assets	0.3421%	3,664
Net interest margin	2.8992%	5,097
Noninterest income to average assets	0.1015%	5,511
Noninterest expense to average assets	1.5798%	5,509
Loan and lease loss provision to assets	0.0362%	3,281
Net operating income to assets	0.9928%	2,458
Return on assets (ROA)	0.9928%	2,511
Pretax return on assets	1.2488%	2,586
Return on Equity (ROE)	5.4955%	4,273
Retained earnings to average equity (ytd only)	3.8910%	3,380
Net charge-offs to loans	0.0603%	2,066
Credit loss provision to net charge-offs	166.6667%	1,422
Earnings coverage of net charge-offs (x)	59.1111%	957
Efficiency ratio	55.1433%	4,911
Assets per employee ($millions)	6.0277%	1,444
Cash dividends to net income (ytd only)*	29.1971%	2,802
Condition Ratios (%)
Loss allowance to loans	1.2459%	2,717
Loan loss allowance to noncurrent loans	207.7348%	2,168
Noncurrent assets plus other real estate owned to assets	0.2595%	4,086
Noncurrent loans to loans	0.5998%	2,932
Net loans and leases to total assets	35.3154%	5,405
Net loans and leases to deposits	43.2452%	5,359
Net loans and leases to core deposits	45.1991%	5,366
Total domestic deposits to total assets	81.6633%	3,988
Equity capital to assets	18.2277%	310
Core capital (leverage) ratio	18.9544%	243
Tier 1 risk-based capital ratio	47.3882%	141
Total risk-based capital ratio	48.5170%	140
Memoranda:
Average total assets	$82,797,330	4,611
Average earning assets	$78,919,330	4,551
Average equity	$14,957,670	3,767
Average total loans	$29,856,670	5,121
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2437%	5,186
Cost of funding earning assets	0.3485%	3,546
Net interest margin	2.8952%	5,093
Noninterest income to average assets	0.1268%	5,486
Noninterest expense to average assets	1.6195%	5,544
Loan and lease loss provision to assets	0.0000%	3,537
Net operating income to assets	1.0885%	1,918
Return on assets (ROA)	1.0927%	1,944
Pretax return on assets	1.2683%	2,357
Return on Equity (ROE)	6.0764%	3,875
Retained earnings to average equity (ytd only)	4.4488%	3,204
Net charge-offs to loans	-0.0135%	4,543
Credit loss provision to net charge-offs	0.0000%	2,277
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	56.1760%	4,918
Assets per employee ($millions)	5.8214%	1,631
Cash dividends to net income (ytd only)*	26.7857%	2,378
Condition Ratios (%)
Loss allowance to loans	1.2605%	2,755
Loan loss allowance to noncurrent loans	141.6031%	2,925
Noncurrent assets plus other real estate owned to assets	0.3534%	3,792
Noncurrent loans to loans	0.8902%	2,245
Net loans and leases to total assets	35.6589%	5,412
Net loans and leases to deposits	43.7444%	5,370
Net loans and leases to core deposits	45.7951%	5,370
Total domestic deposits to total assets	81.5166%	4,293
Equity capital to assets	18.3227%	285
Core capital (leverage) ratio	19.1622%	226
Tier 1 risk-based capital ratio	48.2705%	142
Total risk-based capital ratio	49.4143%	143
Memoranda:
Average total assets	$82,002,000	4,675
Average earning assets	$78,059,000	4,609
Average equity	$14,745,500	3,809
Average total loans	$29,696,000	5,171
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1636%	5,346
Cost of funding earning assets	0.3395%	3,639
Net interest margin	2.8241%	5,256
Noninterest income to average assets	0.0940%	5,659
Noninterest expense to average assets	1.6593%	5,596
Loan and lease loss provision to assets	0.0916%	2,522
Net operating income to assets	0.8590%	3,033
Return on assets (ROA)	0.9121%	2,870
Pretax return on assets	1.1099%	3,063
Return on Equity (ROE)	4.9724%	4,447
Retained earnings to average equity (ytd only)	3.3749%	3,521
Net charge-offs to loans	1.4861%	97
Credit loss provision to net charge-offs	17.6056%	3,691
Earnings coverage of net charge-offs (x)	2.1854%	3,870
Efficiency ratio	59.3450%	4,682
Assets per employee ($millions)	5.8931%	1,547
Cash dividends to net income (ytd only)*	32.1285%	3,236
Condition Ratios (%)
Loss allowance to loans	1.2350%	2,906
Loan loss allowance to noncurrent loans	49.5979%	4,686
Noncurrent assets plus other real estate owned to assets	0.9381%	2,023
Noncurrent loans to loans	2.4901%	630
Net loans and leases to total assets	35.8637%	5,489
Net loans and leases to deposits	43.9006%	5,436
Net loans and leases to core deposits	46.1405%	5,424
Total domestic deposits to total assets	81.6930%	4,151
Equity capital to assets	17.6452%	328
Core capital (leverage) ratio	18.5339%	252
Tier 1 risk-based capital ratio	45.9326%	167
Total risk-based capital ratio	47.0295%	165
Memoranda:
Average total assets	$81,900,000	4,697
Average earning assets	$78,360,200	4,620
Average equity	$15,022,800	3,805
Average total loans	$28,665,400	5,240
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1535%	5,427
Cost of funding earning assets	0.3371%	3,688
Net interest margin	2.8164%	5,329
Noninterest income to average assets	0.1011%	5,707
Noninterest expense to average assets	1.6163%	5,678
Loan and lease loss provision to assets	0.0000%	4,186
Net operating income to assets	0.9443%	2,680
Return on assets (ROA)	1.0096%	2,526
Pretax return on assets	1.2640%	2,561
Return on Equity (ROE)	5.4515%	4,333
Retained earnings to average equity (ytd only)	3.8663%	3,550
Net charge-offs to loans	0.0235%	3,206
Credit loss provision to net charge-offs	0.0000%	3,412
Earnings coverage of net charge-offs (x)	144.9235%	477
Efficiency ratio	57.7506%	4,851
Assets per employee ($millions)	5.9331%	1,481
Cash dividends to net income (ytd only)*	29.0788%	2,867
Condition Ratios (%)
Loss allowance to loans	2.4423%	352
Loan loss allowance to noncurrent loans	62.6970%	4,432
Noncurrent assets plus other real estate owned to assets	1.4110%	1,315
Noncurrent loans to loans	3.8954%	290
Net loans and leases to total assets	34.4329%	5,605
Net loans and leases to deposits	42.3273%	5,572
Net loans and leases to core deposits	44.4785%	5,566
Total domestic deposits to total assets	81.3491%	4,156
Equity capital to assets	18.5486%	301
Core capital (leverage) ratio	18.5705%	255
Tier 1 risk-based capital ratio	47.3290%	155
Total risk-based capital ratio	48.5901%	155
Memoranda:
Average total assets	$81,749,000	4,742
Average earning assets	$78,301,500	4,656
Average equity	$15,139,000	3,820
Average total loans	$28,342,000	5,298
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1679%	5,479
Cost of funding earning assets	0.3309%	3,786
Net interest margin	2.8370%	5,369
Noninterest income to average assets	0.1304%	5,668
Noninterest expense to average assets	1.6308%	5,741
Loan and lease loss provision to assets	0.0000%	4,017
Net operating income to assets	0.9731%	2,508
Return on assets (ROA)	1.0380%	2,354
Pretax return on assets	1.3012%	2,407
Return on Equity (ROE)	5.6081%	4,244
Retained earnings to average equity (ytd only)	4.0134%	3,351
Net charge-offs to loans	0.0286%	2,913
Credit loss provision to net charge-offs	0.0000%	3,050
Earnings coverage of net charge-offs (x)	124.0000%	476
Efficiency ratio	57.2045%	4,998
Assets per employee ($millions)	5.8743%	1,494
Cash dividends to net income (ytd only)*	28.4360%	2,899
Condition Ratios (%)
Loss allowance to loans	2.4556%	382
Loan loss allowance to noncurrent loans	74.6875%	4,253
Noncurrent assets plus other real estate owned to assets	1.2050%	1,722
Noncurrent loans to loans	3.2879%	422
Net loans and leases to total assets	34.6316%	5,658
Net loans and leases to deposits	42.6209%	5,601
Net loans and leases to core deposits	44.8096%	5,601
Total domestic deposits to total assets	81.2549%	4,203
Equity capital to assets	18.6588%	282
Core capital (leverage) ratio	18.8138%	241
Tier 1 risk-based capital ratio	47.6397%	154
Total risk-based capital ratio	48.9016%	151
Memoranda:
Average total assets	$81,311,000	4,787
Average earning assets	$77,970,670	4,702
Average equity	$15,049,670	3,849
Average total loans	$28,017,000	5,370
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1781%	5,517
Cost of funding earning assets	0.3329%	3,801
Net interest margin	2.8452%	5,403
Noninterest income to average assets	0.1484%	5,598
Noninterest expense to average assets	1.5783%	5,848
Loan and lease loss provision to assets	0.0000%	3,656
Net operating income to assets	1.0500%	2,084
Return on assets (ROA)	1.1676%	1,760
Pretax return on assets	1.4200%	1,844
Return on Equity (ROE)	6.3347%	3,812
Retained earnings to average equity (ytd only)	4.7242%	3,101
Net charge-offs to loans	-0.0146%	4,696
Credit loss provision to net charge-offs	0.0000%	2,416
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	55.2860%	5,253
Assets per employee ($millions)	5.7339%	1,636
Cash dividends to net income (ytd only)*	25.4237%	2,467
Condition Ratios (%)
Loss allowance to loans	2.6137%	345
Loan loss allowance to noncurrent loans	84.3458%	3,988
Noncurrent assets plus other real estate owned to assets	1.1074%	1,995
Noncurrent loans to loans	3.0988%	514
Net loans and leases to total assets	33.5123%	5,731
Net loans and leases to deposits	41.3095%	5,671
Net loans and leases to core deposits	43.4871%	5,674
Total domestic deposits to total assets	81.1249%	4,462
Equity capital to assets	18.7618%	274
Core capital (leverage) ratio	18.8397%	241
Tier 1 risk-based capital ratio	48.3297%	142
Total risk-based capital ratio	49.5920%	142
Memoranda:
Average total assets	$80,846,500	4,840
Average earning assets	$76,900,500	4,773
Average equity	$14,902,000	3,879
Average total loans	$27,426,500	5,433
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1380%	5,595
Cost of funding earning assets	0.3309%	3,898
Net interest margin	2.8071%	5,499
Noninterest income to average assets	0.1049%	5,861
Noninterest expense to average assets	1.6227%	5,903
Loan and lease loss provision to assets	0.4660%	255
Net operating income to assets	0.6453%	4,058
Return on assets (ROA)	0.6546%	4,113
Pretax return on assets	0.7070%	4,518
Return on Equity (ROE)	3.6028%	5,105
Retained earnings to average equity (ytd only)	2.5027%	4,290
Net charge-offs to loans	0.0118%	4,068
Credit loss provision to net charge-offs	12,433.3333%	25
Earnings coverage of net charge-offs (x)	310.3333%	228
Efficiency ratio	58.2511%	5,114
Assets per employee ($millions)	5.8156%	1,519
Cash dividends to net income (ytd only)*	30.5344%	3,319
Condition Ratios (%)
Loss allowance to loans	2.6479%	340
Loan loss allowance to noncurrent loans	91.9643%	3,862
Noncurrent assets plus other real estate owned to assets	1.0256%	2,142
Noncurrent loans to loans	2.8793%	582
Net loans and leases to total assets	32.5579%	5,824
Net loans and leases to deposits	39.8078%	5,776
Net loans and leases to core deposits	41.4259%	5,781
Total domestic deposits to total assets	81.7878%	4,229
Equity capital to assets	18.1078%	306
Core capital (leverage) ratio	18.4825%	264
Tier 1 risk-based capital ratio	48.7049%	137
Total risk-based capital ratio	49.9691%	137
Memoranda:
Average total assets	$80,051,400	4,874
Average earning assets	$76,450,000	4,802
Average equity	$14,544,200	3,899
Average total loans	$25,379,200	5,539
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0872%	5,721
Cost of funding earning assets	0.3267%	4,029
Net interest margin	2.7604%	5,648
Noninterest income to average assets	0.1020%	5,959
Noninterest expense to average assets	1.5824%	5,989
Loan and lease loss provision to assets	0.2141%	895
Net operating income to assets	0.7735%	3,563
Return on assets (ROA)	0.7845%	3,586
Pretax return on assets	0.9618%	3,775
Return on Equity (ROE)	4.3142%	4,910
Retained earnings to average equity (ytd only)	3.2103%	4,176
Net charge-offs to loans	-0.0374%	5,436
Credit loss provision to net charge-offs	-1,828.5714%	5,586
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	57.6478%	5,162
Assets per employee ($millions)	5.7290%	1,568
Cash dividends to net income (ytd only)*	25.5869%	3,014
Condition Ratios (%)
Loss allowance to loans	1.8443%	1,185
Loan loss allowance to noncurrent loans	49.1903%	4,970
Noncurrent assets plus other real estate owned to assets	1.2518%	1,870
Noncurrent loans to loans	3.7494%	383
Net loans and leases to total assets	32.2482%	5,914
Net loans and leases to deposits	39.5786%	5,883
Net loans and leases to core deposits	41.3833%	5,874
Total domestic deposits to total assets	81.4789%	4,332
Equity capital to assets	18.3914%	314
Core capital (leverage) ratio	18.5966%	267
Tier 1 risk-based capital ratio	47.7331%	156
Total risk-based capital ratio	48.9861%	156
Memoranda:
Average total assets	$79,709,750	4,933
Average earning assets	$76,314,250	4,857
Average equity	$14,494,500	3,946
Average total loans	$24,916,750	5,623
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0434%	5,812
Cost of funding earning assets	0.3265%	4,089
Net interest margin	2.7169%	5,745
Noninterest income to average assets	0.1056%	6,008
Noninterest expense to average assets	1.5639%	6,076
Loan and lease loss provision to assets	0.3067%	491
Net operating income to assets	0.7144%	3,821
Return on assets (ROA)	0.7166%	3,930
Pretax return on assets	0.8322%	4,199
Return on Equity (ROE)	3.9559%	5,030
Retained earnings to average equity (ytd only)	2.8454%	4,226
Net charge-offs to loans	0.2373%	1,085
Credit loss provision to net charge-offs	420.6897%	713
Earnings coverage of net charge-offs (x)	15.5862%	1,965
Efficiency ratio	57.9143%	5,231
Assets per employee ($millions)	5.6639%	1,606
Cash dividends to net income (ytd only)*	28.0702%	2,884
Condition Ratios (%)
Loss allowance to loans	1.7698%	1,435
Loan loss allowance to noncurrent loans	44.8938%	5,143
Noncurrent assets plus other real estate owned to assets	1.2712%	1,979
Noncurrent loans to loans	3.9421%	398
Net loans and leases to total assets	31.0793%	6,004
Net loans and leases to deposits	37.9887%	5,978
Net loans and leases to core deposits	39.7349%	5,962
Total domestic deposits to total assets	81.8120%	4,356
Equity capital to assets	18.0354%	336
Core capital (leverage) ratio	18.5756%	258
Tier 1 risk-based capital ratio	49.2101%	154
Total risk-based capital ratio	50.4613%	154
Memoranda:
Average total assets	$79,544,330	4,989
Average earning assets	$75,968,670	4,923
Average equity	$14,409,000	3,980
Average total loans	$24,438,670	5,690
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0238%	5,870
Cost of funding earning assets	0.3208%	4,212
Net interest margin	2.7030%	5,799
Noninterest income to average assets	0.1105%	6,035
Noninterest expense to average assets	1.5163%	6,167
Loan and lease loss provision to assets	0.1105%	1,872
Net operating income to assets	0.8704%	2,897
Return on assets (ROA)	0.8786%	2,975
Pretax return on assets	1.0744%	3,197
Return on Equity (ROE)	4.8399%	4,611
Retained earnings to average equity (ytd only)	3.7337%	3,773
Net charge-offs to loans	0.3649%	672
Credit loss provision to net charge-offs	100.0000%	1,606
Earnings coverage of net charge-offs (x)	10.6364%	1,918
Efficiency ratio	56.3433%	5,491
Assets per employee ($millions)	5.6764%	1,646
Cash dividends to net income (ytd only)*	22.8571%	2,499
Condition Ratios (%)
Loss allowance to loans	1.4583%	2,628
Loan loss allowance to noncurrent loans	35.5623%	5,414
Noncurrent assets plus other real estate owned to assets	1.2659%	2,108
Noncurrent loans to loans	4.1007%	414
Net loans and leases to total assets	29.8452%	6,077
Net loans and leases to deposits	36.6296%	6,035
Net loans and leases to core deposits	38.3148%	6,031
Total domestic deposits to total assets	81.4785%	4,680
Equity capital to assets	18.4120%	301
Core capital (leverage) ratio	18.5071%	262
Tier 1 risk-based capital ratio	50.5896%	150
Total risk-based capital ratio	51.7929%	148
Memoranda:
Average total assets	$79,669,500	5,031
Average earning assets	$76,062,500	4,969
Average equity	$14,463,000	4,001
Average total loans	$24,114,000	5,744
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2551%	5,768
Cost of funding earning assets	0.3457%	4,295
Net interest margin	2.9094%	5,623
Noninterest income to average assets	0.1051%	6,135
Noninterest expense to average assets	1.6344%	6,213
Loan and lease loss provision to assets	0.0571%	3,399
Net operating income to assets	0.9684%	2,536
Return on assets (ROA)	0.9716%	2,604
Pretax return on assets	1.1791%	2,736
Return on Equity (ROE)	5.4949%	4,409
Retained earnings to average equity (ytd only)	4.3211%	3,116
Net charge-offs to loans	0.1567%	2,464
Credit loss provision to net charge-offs	118.9189%	2,027
Earnings coverage of net charge-offs (x)	25.6757%	1,491
Efficiency ratio	57.0136%	5,565
Assets per employee ($millions)	6.1438%	1,283
Cash dividends to net income (ytd only)*	21.3618%	3,763
Condition Ratios (%)
Loss allowance to loans	1.4529%	2,681
Loan loss allowance to noncurrent loans	37.1036%	5,453
Noncurrent assets plus other real estate owned to assets	1.1844%	2,399
Noncurrent loans to loans	3.9157%	488
Net loans and leases to total assets	29.8088%	6,184
Net loans and leases to deposits	36.3193%	6,158
Net loans and leases to core deposits	37.6667%	6,159
Total domestic deposits to total assets	82.0744%	4,392
Equity capital to assets	17.8968%	324
Core capital (leverage) ratio	18.4229%	273
Tier 1 risk-based capital ratio	49.3354%	139
Total risk-based capital ratio	50.5196%	138
Memoranda:
Average total assets	$77,090,200	5,125
Average earning assets	$73,177,600	5,062
Average equity	$13,630,800	4,084
Average total loans	$23,615,400	5,834
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3337%	5,699
Cost of funding earning assets	0.3440%	4,407
Net interest margin	2.9897%	5,522
Noninterest income to average assets	0.1152%	6,185
Noninterest expense to average assets	1.5952%	6,291
Loan and lease loss provision to assets	0.0663%	3,023
Net operating income to assets	0.9730%	2,583
Return on assets (ROA)	0.9756%	2,637
Pretax return on assets	1.2932%	2,400
Return on Equity (ROE)	5.5352%	4,471
Retained earnings to average equity (ytd only)	4.3470%	3,563
Net charge-offs to loans	0.1136%	2,665
Credit loss provision to net charge-offs	190.0000%	1,327
Earnings coverage of net charge-offs (x)	38.8440%	1,158
Efficiency ratio	54.0509%	5,818
Assets per employee ($millions)	6.0039%	1,336
Cash dividends to net income (ytd only)*	21.4676%	3,152
Condition Ratios (%)
Loss allowance to loans	1.5267%	2,589
Loan loss allowance to noncurrent loans	71.4004%	4,440
Noncurrent assets plus other real estate owned to assets	0.6496%	3,887
Noncurrent loans to loans	2.1382%	1,445
Net loans and leases to total assets	29.9163%	6,253
Net loans and leases to deposits	36.4718%	6,230
Net loans and leases to core deposits	37.6966%	6,247
Total domestic deposits to total assets	82.0259%	4,467
Equity capital to assets	17.8294%	351
Core capital (leverage) ratio	18.7668%	264
Tier 1 risk-based capital ratio	50.3882%	129
Total risk-based capital ratio	51.6382%	127
Memoranda:
Average total assets	$76,395,500	5,199
Average earning assets	$72,469,750	5,132
Average equity	$13,465,000	4,139
Average total loans	$23,479,500	5,902
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3423%	5,724
Cost of funding earning assets	0.3523%	4,412
Net interest margin	2.9900%	5,556
Noninterest income to average assets	0.1108%	6,238
Noninterest expense to average assets	1.5796%	6,376
Loan and lease loss provision to assets	0.0686%	2,900
Net operating income to assets	1.0716%	2,034
Return on assets (ROA)	1.0759%	2,095
Pretax return on assets	1.3106%	2,216
Return on Equity (ROE)	6.1286%	4,085
Retained earnings to average equity (ytd only)	4.9269%	3,004
Net charge-offs to loans	0.1624%	2,095
Credit loss provision to net charge-offs	136.8421%	1,551
Earnings coverage of net charge-offs (x)	27.4211%	1,343
Efficiency ratio	53.4821%	5,953
Assets per employee ($millions)	5.5135%	1,683
Cash dividends to net income (ytd only)*	19.6078%	3,180
Condition Ratios (%)
Loss allowance to loans	1.4927%	2,938
Loan loss allowance to noncurrent loans	43.5484%	5,398
Noncurrent assets plus other real estate owned to assets	1.0727%	2,923
Noncurrent loans to loans	3.4276%	786
Net loans and leases to total assets	30.0095%	6,304
Net loans and leases to deposits	36.5738%	6,279
Net loans and leases to core deposits	37.8503%	6,282
Total domestic deposits to total assets	82.0518%	4,628
Equity capital to assets	17.8251%	337
Core capital (leverage) ratio	18.9629%	245
Tier 1 risk-based capital ratio	50.6811%	130
Total risk-based capital ratio	51.9198%	129
Memoranda:
Average total assets	$75,843,670	5,257
Average earning assets	$72,106,670	5,178
Average equity	$13,314,670	4,165
Average total loans	$23,402,000	5,952
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3766%	5,699
Cost of funding earning assets	0.3640%	4,397
Net interest margin	3.0126%	5,490
Noninterest income to average assets	0.1437%	6,111
Noninterest expense to average assets	1.6655%	6,380
Loan and lease loss provision to assets	0.0585%	2,946
Net operating income to assets	1.0079%	2,183
Return on assets (ROA)	1.0163%	2,209
Pretax return on assets	1.2931%	2,115
Return on Equity (ROE)	5.8354%	4,109
Retained earnings to average equity (ytd only)	4.6133%	3,352
Net charge-offs to loans	0.0171%	3,240
Credit loss provision to net charge-offs	1,100.0000%	292
Earnings coverage of net charge-offs (x)	252.0000%	190
Efficiency ratio	55.3982%	5,884
Assets per employee ($millions)	5.3919%	1,814
Cash dividends to net income (ytd only)*	20.9424%	2,502
Condition Ratios (%)
Loss allowance to loans	1.5081%	3,112
Loan loss allowance to noncurrent loans	138.2813%	2,840
Noncurrent assets plus other real estate owned to assets	0.3391%	5,126
Noncurrent loans to loans	1.0906%	3,236
Net loans and leases to total assets	30.6269%	6,324
Net loans and leases to deposits	37.2551%	6,277
Net loans and leases to core deposits	38.7435%	6,282
Total domestic deposits to total assets	82.2086%	4,884
Equity capital to assets	17.6483%	342
Core capital (leverage) ratio	18.8317%	252
Tier 1 risk-based capital ratio	50.4769%	132
Total risk-based capital ratio	51.7260%	131
Memoranda:
Average total assets	$75,171,000	5,317
Average earning assets	$71,433,000	5,244
Average equity	$13,092,500	4,221
Average total loans	$23,345,500	6,010
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4513%	5,729
Cost of funding earning assets	0.4346%	4,269
Net interest margin	3.0167%	5,541
Noninterest income to average assets	0.1004%	6,385
Noninterest expense to average assets	1.6085%	6,513
Loan and lease loss provision to assets	0.0201%	4,738
Net operating income to assets	1.1252%	1,851
Return on assets (ROA)	1.1330%	1,885
Pretax return on assets	1.3446%	1,988
Return on Equity (ROE)	6.4313%	3,861
Retained earnings to average equity (ytd only)	5.2150%	2,469
Net charge-offs to loans	0.0354%	4,736
Credit loss provision to net charge-offs	187.5000%	1,218
Earnings coverage of net charge-offs (x)	126.5000%	370
Efficiency ratio	54.2702%	6,115
Assets per employee ($millions)	5.3469%	1,800
Cash dividends to net income (ytd only)*	18.9125%	3,757
Condition Ratios (%)
Loss allowance to loans	1.4816%	3,275
Loan loss allowance to noncurrent loans	112.0521%	3,316
Noncurrent assets plus other real estate owned to assets	0.4783%	4,806
Noncurrent loans to loans	1.3222%	2,927
Net loans and leases to total assets	30.5573%	6,440
Net loans and leases to deposits	36.9669%	6,402
Net loans and leases to core deposits	38.6444%	6,401
Total domestic deposits to total assets	82.6614%	4,657
Equity capital to assets	17.1837%	380
Core capital (leverage) ratio	18.6629%	260
Tier 1 risk-based capital ratio	49.3442%	139
Total risk-based capital ratio	50.5538%	137
Memoranda:
Average total assets	$74,667,000	5,362
Average earning assets	$70,872,000	5,287
Average equity	$13,154,400	4,231
Average total loans	$22,597,200	6,094
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4490%	5,785
Cost of funding earning assets	0.4436%	4,345
Net interest margin	3.0055%	5,579
Noninterest income to average assets	0.1036%	6,470
Noninterest expense to average assets	1.5331%	6,617
Loan and lease loss provision to assets	0.0089%	4,803
Net operating income to assets	1.1509%	1,809
Return on assets (ROA)	1.1596%	1,844
Pretax return on assets	1.4294%	1,834
Return on Equity (ROE)	6.5419%	3,910
Retained earnings to average equity (ytd only)	5.3323%	2,849
Net charge-offs to loans	0.0416%	4,320
Credit loss provision to net charge-offs	71.4286%	3,043
Earnings coverage of net charge-offs (x)	114.1811%	449
Efficiency ratio	51.7803%	6,267
Assets per employee ($millions)	5.3191%	1,828
Cash dividends to net income (ytd only)*	18.4905%	3,145
Condition Ratios (%)
Loss allowance to loans	1.4714%	3,582
Loan loss allowance to noncurrent loans	239.2857%	1,701
Noncurrent assets plus other real estate owned to assets	0.2605%	5,660
Noncurrent loans to loans	0.6149%	4,667
Net loans and leases to total assets	30.1248%	6,530
Net loans and leases to deposits	37.3616%	6,463
Net loans and leases to core deposits	38.9205%	6,482
Total domestic deposits to total assets	80.6303%	5,327
Equity capital to assets	17.2600%	386
Core capital (leverage) ratio	18.6379%	249
Tier 1 risk-based capital ratio	49.6831%	137
Total risk-based capital ratio	50.8825%	136
Memoranda:
Average total assets	$74,619,750	5,414
Average earning assets	$70,936,000	5,342
Average equity	$13,227,250	4,264
Average total loans	$22,442,000	6,164
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4620%	5,764
Cost of funding earning assets	0.4556%	4,366
Net interest margin	3.0064%	5,561
Noninterest income to average assets	0.1045%	6,515
Noninterest expense to average assets	1.4946%	6,672
Loan and lease loss provision to assets	0.0134%	4,613
Net operating income to assets	1.1822%	1,639
Return on assets (ROA)	1.1865%	1,737
Pretax return on assets	1.4651%	1,725
Return on Equity (ROE)	6.6357%	3,805
Retained earnings to average equity (ytd only)	5.4374%	2,781
Net charge-offs to loans	0.0448%	4,051
Credit loss provision to net charge-offs	100.0000%	2,196
Earnings coverage of net charge-offs (x)	110.0000%	433
Efficiency ratio	50.3610%	6,402
Assets per employee ($millions)	5.3310%	1,763
Cash dividends to net income (ytd only)*	18.0587%	3,066
Condition Ratios (%)
Loss allowance to loans	1.4906%	3,630
Loan loss allowance to noncurrent loans	47.5989%	5,308
Noncurrent assets plus other real estate owned to assets	1.0250%	3,704
Noncurrent loans to loans	3.1315%	1,410
Net loans and leases to total assets	29.8416%	6,582
Net loans and leases to deposits	36.2683%	6,549
Net loans and leases to core deposits	37.7434%	6,549
Total domestic deposits to total assets	82.2802%	4,949
Equity capital to assets	17.5175%	363
Core capital (leverage) ratio	18.2366%	272
Tier 1 risk-based capital ratio	49.1539%	131
Total risk-based capital ratio	50.3621%	131
Memoranda:
Average total assets	$74,670,670	5,450
Average earning assets	$71,114,670	5,361
Average equity	$13,352,000	4,267
Average total loans	$22,333,330	6,199
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4821%	5,752
Cost of funding earning assets	0.4781%	4,295
Net interest margin	3.0039%	5,557
Noninterest income to average assets	0.1178%	6,513
Noninterest expense to average assets	1.4835%	6,755
Loan and lease loss provision to assets	0.0000%	4,409
Net operating income to assets	1.2029%	1,515
Return on assets (ROA)	1.2157%	1,595
Pretax return on assets	1.5103%	1,533
Return on Equity (ROE)	6.7304%	3,638
Retained earnings to average equity (ytd only)	5.5444%	2,927
Net charge-offs to loans	0.0360%	3,518
Credit loss provision to net charge-offs	0.0000%	3,239
Earnings coverage of net charge-offs (x)	139.5000%	281
Efficiency ratio	49.8201%	6,516
Assets per employee ($millions)	5.3637%	1,791
Cash dividends to net income (ytd only)*	17.6211%	2,351
Condition Ratios (%)
Loss allowance to loans	1.5222%	3,729
Loan loss allowance to noncurrent loans	220.3947%	1,725
Noncurrent assets plus other real estate owned to assets	0.2837%	5,719
Noncurrent loans to loans	0.6907%	4,743
Net loans and leases to total assets	28.8606%	6,640
Net loans and leases to deposits	35.3384%	6,596
Net loans and leases to core deposits	36.6186%	6,605
Total domestic deposits to total assets	81.6692%	5,305
Equity capital to assets	18.0352%	335
Core capital (leverage) ratio	18.1337%	275
Tier 1 risk-based capital ratio	50.0314%	133
Total risk-based capital ratio	51.2697%	134
Memoranda:
Average total assets	$74,689,000	5,495
Average earning assets	$71,107,500	5,410
Average equity	$13,491,000	4,288
Average total loans	$22,195,500	6,264
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7081%	6,032
Cost of funding earning assets	0.6346%	4,052
Net interest margin	3.0735%	5,877
Noninterest income to average assets	0.1224%	6,424
Noninterest expense to average assets	1.5399%	6,843
Loan and lease loss provision to assets	0.0522%	5,157
Net operating income to assets	1.2064%	1,584
Return on assets (ROA)	1.2030%	1,760
Pretax return on assets	1.4491%	1,857
Return on Equity (ROE)	6.6724%	3,829
Retained earnings to average equity (ytd only)	5.4523%	2,414
Net charge-offs to loans	0.1490%	4,198
Credit loss provision to net charge-offs	111.7647%	2,607
Earnings coverage of net charge-offs (x)	32.2059%	957
Efficiency ratio	50.5643%	6,550
Assets per employee ($millions)	5.3061%	1,895
Cash dividends to net income (ytd only)*	18.2857%	3,812
Condition Ratios (%)
Loss allowance to loans	1.5055%	3,723
Loan loss allowance to noncurrent loans	128.1369%	2,696
Noncurrent assets plus other real estate owned to assets	0.4402%	5,384
Noncurrent loans to loans	1.1749%	3,891
Net loans and leases to total assets	29.6785%	6,710
Net loans and leases to deposits	36.3620%	6,672
Net loans and leases to core deposits	37.6917%	6,688
Total domestic deposits to total assets	81.6197%	5,217
Equity capital to assets	18.0909%	322
Core capital (leverage) ratio	17.7919%	295
Tier 1 risk-based capital ratio	48.7955%	145
Total risk-based capital ratio	50.0274%	142
Memoranda:
Average total assets	$72,734,200	5,557
Average earning assets	$69,172,800	5,459
Average equity	$13,113,800	4,330
Average total loans	$22,812,000	6,304
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8145%	5,992
Cost of funding earning assets	0.6593%	4,109
Net interest margin	3.1551%	5,812
Noninterest income to average assets	0.1216%	6,528
Noninterest expense to average assets	1.5518%	6,912
Loan and lease loss provision to assets	0.0184%	5,570
Net operating income to assets	1.1726%	1,823
Return on assets (ROA)	1.1684%	2,029
Pretax return on assets	1.5444%	1,739
Return on Equity (ROE)	6.4862%	4,072
Retained earnings to average equity (ytd only)	5.2585%	3,185
Net charge-offs to loans	0.0407%	5,077
Credit loss provision to net charge-offs	142.8571%	2,010
Earnings coverage of net charge-offs (x)	121.6120%	356
Efficiency ratio	49.7342%	6,609
Assets per employee ($millions)	5.2368%	1,898
Cash dividends to net income (ytd only)*	18.9280%	3,098
Condition Ratios (%)
Loss allowance to loans	1.4912%	3,989
Loan loss allowance to noncurrent loans	141.1765%	2,397
Noncurrent assets plus other real estate owned to assets	0.3246%	5,883
Noncurrent loans to loans	1.0563%	4,329
Net loans and leases to total assets	30.2748%	6,808
Net loans and leases to deposits	37.1307%	6,781
Net loans and leases to core deposits	38.5046%	6,792
Total domestic deposits to total assets	81.5358%	5,179
Equity capital to assets	18.0645%	359
Core capital (leverage) ratio	17.8119%	310
Tier 1 risk-based capital ratio	49.0706%	146
Total risk-based capital ratio	50.3210%	146
Memoranda:
Average total assets	$72,346,250	5,625
Average earning assets	$68,753,750	5,537
Average equity	$13,032,500	4,388
Average total loans	$22,919,000	6,380
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9599%	5,759
Cost of funding earning assets	0.6790%	4,188
Net interest margin	3.2809%	5,496
Noninterest income to average assets	0.1333%	6,522
Noninterest expense to average assets	1.5134%	6,998
Loan and lease loss provision to assets	0.0139%	5,490
Net operating income to assets	1.3354%	1,345
Return on assets (ROA)	1.3246%	1,526
Pretax return on assets	1.7050%	1,242
Return on Equity (ROE)	7.3600%	3,587
Retained earnings to average equity (ytd only)	6.1256%	2,633
Net charge-offs to loans	0.0260%	5,022
Credit loss provision to net charge-offs	166.6667%	1,669
Earnings coverage of net charge-offs (x)	208.0000%	216
Efficiency ratio	46.6210%	6,850
Assets per employee ($millions)	5.2599%	1,854
Cash dividends to net income (ytd only)*	16.7715%	3,092
Condition Ratios (%)
Loss allowance to loans	1.4643%	4,182
Loan loss allowance to noncurrent loans	140.1674%	2,376
Noncurrent assets plus other real estate owned to assets	0.3246%	5,947
Noncurrent loans to loans	1.0447%	4,432
Net loans and leases to total assets	30.6129%	6,856
Net loans and leases to deposits	37.4381%	6,826
Net loans and leases to core deposits	38.8097%	6,840
Total domestic deposits to total assets	81.7692%	5,211
Equity capital to assets	17.8370%	356
Core capital (leverage) ratio	17.9225%	293
Tier 1 risk-based capital ratio	48.4495%	140
Total risk-based capital ratio	49.6951%	139
Memoranda:
Average total assets	$72,023,330	5,667
Average earning assets	$68,334,670	5,578
Average equity	$12,962,000	4,398
Average total loans	$23,048,000	6,415
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1027%	5,447
Cost of funding earning assets	0.7163%	4,143
Net interest margin	3.3863%	5,174
Noninterest income to average assets	0.1011%	6,743
Noninterest expense to average assets	1.4828%	7,070
Loan and lease loss provision to assets	0.0000%	5,254
Net operating income to assets	1.5645%	921
Return on assets (ROA)	1.5502%	1,052
Pretax return on assets	1.8142%	1,043
Return on Equity (ROE)	8.5744%	3,016
Retained earnings to average equity (ytd only)	7.3318%	2,264
Net charge-offs to loans	-0.0692%	6,662
Credit loss provision to net charge-offs	0.0000%	3,998
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	44.7458%	6,960
Assets per employee ($millions)	5.1093%	2,113
Cash dividends to net income (ytd only)*	14.4928%	2,456
Condition Ratios (%)
Loss allowance to loans	1.4660%	4,311
Loan loss allowance to noncurrent loans	112.3333%	2,764
Noncurrent assets plus other real estate owned to assets	0.4991%	5,613
Noncurrent loans to loans	1.3050%	4,161
Net loans and leases to total assets	31.6664%	6,846
Net loans and leases to deposits	38.8905%	6,788
Net loans and leases to core deposits	40.3610%	6,805
Total domestic deposits to total assets	81.4246%	5,488
Equity capital to assets	18.1281%	326
Core capital (leverage) ratio	18.0691%	293
Tier 1 risk-based capital ratio	47.6895%	137
Total risk-based capital ratio	48.9383%	138
Memoranda:
Average total assets	$71,215,500	5,736
Average earning assets	$67,565,500	5,639
Average equity	$12,875,500	4,426
Average total loans	$23,133,000	6,455
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1712%	6,136
Cost of funding earning assets	0.8288%	4,639
Net interest margin	3.3424%	5,674
Noninterest income to average assets	0.1155%	6,570
Noninterest expense to average assets	1.6237%	7,105
Loan and lease loss provision to assets	0.1241%	5,054
Net operating income to assets	1.2763%	1,301
Return on assets (ROA)	1.2917%	1,370
Pretax return on assets	1.5703%	1,276
Return on Equity (ROE)	7.2324%	3,292
Retained earnings to average equity (ytd only)	5.9395%	2,050
Net charge-offs to loans	0.3282%	3,749
Credit loss provision to net charge-offs	116.2162%	2,791
Earnings coverage of net charge-offs (x)	15.6892%	1,375
Efficiency ratio	49.2126%	6,880
Assets per employee ($millions)	5.0644%	2,114
Cash dividends to net income (ytd only)*	17.8771%	3,619
Condition Ratios (%)
Loss allowance to loans	1.4305%	4,332
Loan loss allowance to noncurrent loans	222.0000%	1,496
Noncurrent assets plus other real estate owned to assets	0.2976%	6,226
Noncurrent loans to loans	0.6444%	5,418
Net loans and leases to total assets	32.3620%	6,935
Net loans and leases to deposits	39.6478%	6,899
Net loans and leases to core deposits	41.0326%	6,914
Total domestic deposits to total assets	81.6237%	5,261
Equity capital to assets	18.0308%	346
Core capital (leverage) ratio	17.5188%	331
Tier 1 risk-based capital ratio	46.4227%	158
Total risk-based capital ratio	47.6463%	156
Memoranda:
Average total assets	$69,287,000	5,763
Average earning assets	$66,000,200	5,664
Average equity	$12,374,800	4,461
Average total loans	$22,548,400	6,530
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2441%	6,099
Cost of funding earning assets	0.8488%	4,779
Net interest margin	3.3953%	5,595
Noninterest income to average assets	0.1142%	6,687
Noninterest expense to average assets	1.6607%	7,134
Loan and lease loss provision to assets	0.1181%	4,956
Net operating income to assets	1.2574%	1,497
Return on assets (ROA)	1.2852%	1,514
Pretax return on assets	1.6065%	1,370
Return on Equity (ROE)	7.2138%	3,415
Retained earnings to average equity (ytd only)	5.9101%	2,610
Net charge-offs to loans	0.3219%	3,495
Credit loss provision to net charge-offs	112.9630%	2,892
Earnings coverage of net charge-offs (x)	16.1663%	1,414
Efficiency ratio	49.5667%	6,853
Assets per employee ($millions)	4.9798%	2,213
Cash dividends to net income (ytd only)*	18.0728%	3,010
Condition Ratios (%)
Loss allowance to loans	1.4233%	4,451
Loan loss allowance to noncurrent loans	89.6175%	3,239
Noncurrent assets plus other real estate owned to assets	0.6168%	5,588
Noncurrent loans to loans	1.5882%	3,915
Net loans and leases to total assets	32.5846%	7,010
Net loans and leases to deposits	40.0222%	6,976
Net loans and leases to core deposits	41.4445%	6,996
Total domestic deposits to total assets	81.4163%	5,288
Equity capital to assets	18.1218%	375
Core capital (leverage) ratio	17.8876%	333
Tier 1 risk-based capital ratio	47.1237%	165
Total risk-based capital ratio	48.3658%	164
Memoranda:
Average total assets	$68,883,500	5,817
Average earning assets	$65,658,000	5,728
Average equity	$12,272,500	4,495
Average total loans	$22,366,000	6,607
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2277%	6,226
Cost of funding earning assets	0.8749%	4,866
Net interest margin	3.3528%	5,700
Noninterest income to average assets	0.1254%	6,702
Noninterest expense to average assets	1.6675%	7,211
Loan and lease loss provision to assets	0.1341%	4,623
Net operating income to assets	1.2600%	1,421
Return on assets (ROA)	1.3060%	1,374
Pretax return on assets	1.5742%	1,311
Return on Equity (ROE)	7.3733%	3,252
Retained earnings to average equity (ytd only)	6.0566%	2,391
Net charge-offs to loans	0.3433%	3,192
Credit loss provision to net charge-offs	121.0526%	2,519
Earnings coverage of net charge-offs (x)	14.9211%	1,445
Efficiency ratio	50.2195%	6,924
Assets per employee ($millions)	4.9805%	2,157
Cash dividends to net income (ytd only)*	17.8571%	2,933
Condition Ratios (%)
Loss allowance to loans	1.4371%	4,407
Loan loss allowance to noncurrent loans	96.7647%	2,981
Noncurrent assets plus other real estate owned to assets	0.5851%	5,746
Noncurrent loans to loans	1.4852%	4,198
Net loans and leases to total assets	32.3605%	7,104
Net loans and leases to deposits	39.5867%	7,078
Net loans and leases to core deposits	40.9837%	7,103
Total domestic deposits to total assets	81.7460%	5,255
Equity capital to assets	17.8453%	394
Core capital (leverage) ratio	17.7626%	354
Tier 1 risk-based capital ratio	45.7212%	171
Total risk-based capital ratio	46.9474%	170
Memoranda:
Average total assets	$68,605,670	5,866
Average earning assets	$65,378,670	5,776
Average equity	$12,152,000	4,517
Average total loans	$22,139,670	6,677
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2174%	6,243
Cost of funding earning assets	0.8879%	5,011
Net interest margin	3.3295%	5,678
Noninterest income to average assets	0.1352%	6,741
Noninterest expense to average assets	1.6166%	7,293
Loan and lease loss provision to assets	0.0294%	5,601
Net operating income to assets	1.2887%	1,301
Return on assets (ROA)	1.2933%	1,327
Pretax return on assets	1.6695%	1,037
Return on Equity (ROE)	7.3294%	3,229
Retained earnings to average equity (ytd only)	5.9968%	2,634
Net charge-offs to loans	0.0735%	4,202
Credit loss provision to net charge-offs	125.0000%	2,194
Earnings coverage of net charge-offs (x)	72.0000%	429
Efficiency ratio	48.8455%	7,075
Assets per employee ($millions)	4.5425%	2,813
Cash dividends to net income (ytd only)*	18.1818%	2,247
Condition Ratios (%)
Loss allowance to loans	1.4716%	4,342
Loan loss allowance to noncurrent loans	88.2192%	3,234
Noncurrent assets plus other real estate owned to assets	0.5724%	5,829
Noncurrent loans to loans	1.6681%	3,983
Net loans and leases to total assets	31.6407%	7,181
Net loans and leases to deposits	38.7633%	7,145
Net loans and leases to core deposits	40.1628%	7,162
Total domestic deposits to total assets	81.6253%	5,449
Equity capital to assets	17.6717%	389
Core capital (leverage) ratio	17.8526%	338
Tier 1 risk-based capital ratio	46.4235%	162
Total risk-based capital ratio	47.6611%	160
Memoranda:
Average total assets	$68,045,000	5,928
Average earning assets	$64,874,000	5,830
Average equity	$12,006,500	4,548
Average total loans	$21,763,000	6,754
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4667%	6,480
Cost of funding earning assets	1.0610%	5,361
Net interest margin	3.4057%	5,611
Noninterest income to average assets	0.2241%	6,202
Noninterest expense to average assets	1.7775%	7,283
Loan and lease loss provision to assets	0.0752%	6,397
Net operating income to assets	1.3045%	1,159
Return on assets (ROA)	1.3231%	1,184
Pretax return on assets	1.6316%	1,068
Return on Equity (ROE)	7.3731%	2,940
Retained earnings to average equity (ytd only)	6.0045%	1,811
Net charge-offs to loans	0.2098%	5,036
Credit loss provision to net charge-offs	108.8889%	4,057
Earnings coverage of net charge-offs (x)	24.3778%	865
Efficiency ratio	51.3525%	7,037
Assets per employee ($millions)	4.5302%	2,813
Cash dividends to net income (ytd only)*	18.5615%	3,505
Condition Ratios (%)
Loss allowance to loans	1.4830%	4,109
Loan loss allowance to noncurrent loans	49.9222%	5,006
Noncurrent assets plus other real estate owned to assets	0.9462%	5,116
Noncurrent loans to loans	2.9707%	2,574
Net loans and leases to total assets	31.3805%	7,306
Net loans and leases to deposits	39.6490%	7,261
Net loans and leases to core deposits	41.0559%	7,281
Total domestic deposits to total assets	79.1459%	6,048
Equity capital to assets	17.6181%	397
Core capital (leverage) ratio	17.3286%	376
Tier 1 risk-based capital ratio	44.7445%	175
Total risk-based capital ratio	45.9516%	174
Memoranda:
Average total assets	$65,148,800	6,026
Average earning assets	$61,925,000	5,924
Average equity	$11,691,200	4,698
Average total loans	$21,446,400	6,853
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5032%	6,599
Cost of funding earning assets	1.0898%	5,487
Net interest margin	3.4133%	5,623
Noninterest income to average assets	0.2565%	6,064
Noninterest expense to average assets	1.7192%	7,424
Loan and lease loss provision to assets	0.0703%	6,359
Net operating income to assets	1.3592%	1,194
Return on assets (ROA)	1.3840%	1,220
Pretax return on assets	1.7378%	1,034
Return on Equity (ROE)	7.6756%	3,037
Retained earnings to average equity (ytd only)	6.2988%	2,201
Net charge-offs to loans	0.1932%	4,789
Credit loss provision to net charge-offs	109.6774%	3,868
Earnings coverage of net charge-offs (x)	27.7111%	929
Efficiency ratio	49.1716%	7,199
Assets per employee ($millions)	4.4393%	3,010
Cash dividends to net income (ytd only)*	17.9376%	3,045
Condition Ratios (%)
Loss allowance to loans	1.4910%	4,006
Loan loss allowance to noncurrent loans	65.7084%	4,016
Noncurrent assets plus other real estate owned to assets	0.7313%	5,644
Noncurrent loans to loans	2.2691%	3,366
Net loans and leases to total assets	31.7495%	7,418
Net loans and leases to deposits	39.0052%	7,397
Net loans and leases to core deposits	40.6921%	7,412
Total domestic deposits to total assets	81.3981%	5,238
Equity capital to assets	17.9561%	414
Core capital (leverage) ratio	18.1028%	342
Tier 1 risk-based capital ratio	45.0349%	181
Total risk-based capital ratio	46.2618%	178
Memoranda:
Average total assets	$64,447,750	6,123
Average earning assets	$61,170,500	6,021
Average equity	$11,621,000	4,778
Average total loans	$21,396,750	6,943
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5622%	6,556
Cost of funding earning assets	1.1257%	5,545
Net interest margin	3.4366%	5,491
Noninterest income to average assets	0.3326%	5,499
Noninterest expense to average assets	1.7479%	7,460
Loan and lease loss provision to assets	0.0785%	6,155
Net operating income to assets	1.3508%	1,193
Return on assets (ROA)	1.3870%	1,181
Pretax return on assets	1.8107%	871
Return on Equity (ROE)	7.6809%	3,024
Retained earnings to average equity (ytd only)	6.2907%	2,174
Net charge-offs to loans	0.2058%	4,384
Credit loss provision to net charge-offs	113.6364%	3,582
Earnings coverage of net charge-offs (x)	26.6818%	997
Efficiency ratio	48.6888%	7,308
Assets per employee ($millions)	4.3147%	3,184
Cash dividends to net income (ytd only)*	18.0995%	2,947
Condition Ratios (%)
Loss allowance to loans	1.4909%	3,980
Loan loss allowance to noncurrent loans	66.8058%	3,992
Noncurrent assets plus other real estate owned to assets	0.7401%	5,641
Noncurrent loans to loans	2.2317%	3,445
Net loans and leases to total assets	32.6679%	7,465
Net loans and leases to deposits	40.1782%	7,442
Net loans and leases to core deposits	42.1133%	7,452
Total domestic deposits to total assets	81.3075%	5,290
Equity capital to assets	18.1116%	407
Core capital (leverage) ratio	18.1039%	350
Tier 1 risk-based capital ratio	45.5043%	180
Total risk-based capital ratio	46.7640%	179
Memoranda:
Average total assets	$63,733,670	6,185
Average earning assets	$60,409,000	6,087
Average equity	$11,509,000	4,801
Average total loans	$21,375,000	6,996
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6024%	6,558
Cost of funding earning assets	1.1556%	5,630
Net interest margin	3.4468%	5,388
Noninterest income to average assets	0.5376%	3,751
Noninterest expense to average assets	1.6762%	7,593
Loan and lease loss provision to assets	0.0316%	6,360
Net operating income to assets	1.6939%	626
Return on assets (ROA)	1.6888%	682
Pretax return on assets	2.0873%	517
Return on Equity (ROE)	9.3664%	2,348
Retained earnings to average equity (ytd only)	7.9632%	1,721
Net charge-offs to loans	0.1875%	3,798
Credit loss provision to net charge-offs	50.0000%	4,477
Earnings coverage of net charge-offs (x)	33.6000%	800
Efficiency ratio	44.0932%	7,622
Assets per employee ($millions)	4.4957%	2,965
Cash dividends to net income (ytd only)*	14.9813%	2,333
Condition Ratios (%)
Loss allowance to loans	1.4711%	4,062
Loan loss allowance to noncurrent loans	66.5245%	4,036
Noncurrent assets plus other real estate owned to assets	0.7452%	5,664
Noncurrent loans to loans	2.2113%	3,512
Net loans and leases to total assets	33.2015%	7,526
Net loans and leases to deposits	41.1366%	7,480
Net loans and leases to core deposits	43.1836%	7,501
Total domestic deposits to total assets	80.7102%	5,557
Equity capital to assets	18.3572%	389
Core capital (leverage) ratio	18.0807%	368
Tier 1 risk-based capital ratio	44.4051%	196
Total risk-based capital ratio	45.6178%	196
Memoranda:
Average total assets	$63,240,000	6,266
Average earning assets	$59,881,500	6,175
Average equity	$11,402,500	4,869
Average total loans	$21,331,000	7,081
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9263%	6,651
Cost of funding earning assets	1.7058%	4,474
Net interest margin	3.2205%	6,026
Noninterest income to average assets	0.1241%	7,132
Noninterest expense to average assets	1.7545%	7,655
Loan and lease loss provision to assets	0.0155%	7,343
Net operating income to assets	1.2204%	1,195
Return on assets (ROA)	1.2084%	1,276
Pretax return on assets	1.3977%	1,445
Return on Equity (ROE)	7.2646%	2,683
Retained earnings to average equity (ytd only)	5.7725%	1,438
Net charge-offs to loans	0.0239%	6,905
Credit loss provision to net charge-offs	200.0000%	1,948
Earnings coverage of net charge-offs (x)	184.0000%	150
Efficiency ratio	55.1438%	7,116
Assets per employee ($millions)	4.5386%	2,862
Cash dividends to net income (ytd only)*	20.5392%	3,642
Condition Ratios (%)
Loss allowance to loans	1.4776%	3,845
Loan loss allowance to noncurrent loans	83.8624%	3,298
Noncurrent assets plus other real estate owned to assets	0.5949%	5,976
Noncurrent loans to loans	1.7620%	3,992
Net loans and leases to total assets	33.2641%	7,622
Net loans and leases to deposits	40.6227%	7,607
Net loans and leases to core deposits	51.2425%	7,553
Total domestic deposits to total assets	81.8854%	5,001
Equity capital to assets	17.7070%	474
Core capital (leverage) ratio	17.3476%	451
Tier 1 risk-based capital ratio	42.2736%	220
Total risk-based capital ratio	43.4704%	214
Memoranda:
Average total assets	$64,463,600	6,181
Average earning assets	$61,201,600	6,087
Average equity	$10,723,200	5,095
Average total loans	$20,948,400	7,144
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0212%	6,544
Cost of funding earning assets	1.8024%	4,371
Net interest margin	3.2188%	5,952
Noninterest income to average assets	0.1195%	7,294
Noninterest expense to average assets	1.7435%	7,713
Loan and lease loss provision to assets	0.0206%	7,148
Net operating income to assets	1.1520%	1,583
Return on assets (ROA)	1.1520%	1,649
Pretax return on assets	1.4138%	1,659
Return on Equity (ROE)	7.0370%	3,054
Retained earnings to average equity (ytd only)	5.5264%	2,191
Net charge-offs to loans	0.0256%	6,524
Credit loss provision to net charge-offs	250.0000%	1,716
Earnings coverage of net charge-offs (x)	174.1051%	219
Efficiency ratio	54.8638%	7,133
Assets per employee ($millions)	4.6077%	2,688
Cash dividends to net income (ytd only)*	21.4676%	3,193
Condition Ratios (%)
Loss allowance to loans	1.5029%	3,422
Loan loss allowance to noncurrent loans	76.6265%	3,562
Noncurrent assets plus other real estate owned to assets	0.6433%	5,843
Noncurrent loans to loans	1.9613%	3,684
Net loans and leases to total assets	32.3076%	7,740
Net loans and leases to deposits	39.1417%	7,759
Net loans and leases to core deposits	49.4707%	7,698
Total domestic deposits to total assets	82.5402%	4,426
Equity capital to assets	17.0614%	625
Core capital (leverage) ratio	17.2532%	518
Tier 1 risk-based capital ratio	41.4220%	262
Total risk-based capital ratio	42.6176%	254
Memoranda:
Average total assets	$64,694,500	6,220
Average earning assets	$61,471,500	6,124
Average equity	$10,591,250	5,166
Average total loans	$20,822,250	7,211
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1187%	6,355
Cost of funding earning assets	1.8944%	4,290
Net interest margin	3.2243%	5,830
Noninterest income to average assets	0.1205%	7,384
Noninterest expense to average assets	1.8963%	7,626
Loan and lease loss provision to assets	0.0309%	6,934
Net operating income to assets	1.0929%	1,798
Return on assets (ROA)	1.0902%	1,881
Pretax return on assets	1.2601%	2,130
Return on Equity (ROE)	6.7540%	3,302
Retained earnings to average equity (ytd only)	5.2234%	2,385
Net charge-offs to loans	0.0483%	5,801
Credit loss provision to net charge-offs	200.0000%	2,268
Earnings coverage of net charge-offs (x)	83.8000%	458
Efficiency ratio	59.4385%	6,629
Assets per employee ($millions)	4.5549%	2,689
Cash dividends to net income (ytd only)*	22.6629%	3,086
Condition Ratios (%)
Loss allowance to loans	1.5204%	3,087
Loan loss allowance to noncurrent loans	100.6349%	2,883
Noncurrent assets plus other real estate owned to assets	0.5175%	6,138
Noncurrent loans to loans	1.5108%	4,227
Net loans and leases to total assets	32.1990%	7,833
Net loans and leases to deposits	38.8662%	7,845
Net loans and leases to core deposits	50.0671%	7,762
Total domestic deposits to total assets	82.8459%	4,313
Equity capital to assets	16.8028%	692
Core capital (leverage) ratio	16.7477%	647
Tier 1 risk-based capital ratio	41.7571%	270
Total risk-based capital ratio	42.9770%	266
Memoranda:
Average total assets	$64,756,670	6,270
Average earning assets	$61,656,000	6,156
Average equity	$10,453,000	5,229
Average total loans	$20,710,000	7,285
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1738%	6,399
Cost of funding earning assets	1.9458%	4,394
Net interest margin	3.2280%	5,764
Noninterest income to average assets	0.1287%	7,368
Noninterest expense to average assets	1.9249%	7,503
Loan and lease loss provision to assets	0.0613%	6,191
Net operating income to assets	0.9920%	2,345
Return on assets (ROA)	0.9870%	2,503
Pretax return on assets	1.2077%	2,608
Return on Equity (ROE)	6.2391%	3,937
Retained earnings to average equity (ytd only)	4.6890%	3,311
Net charge-offs to loans	0.1938%	3,479
Credit loss provision to net charge-offs	100.0000%	3,714
Earnings coverage of net charge-offs (x)	20.8000%	1,357
Efficiency ratio	60.1533%	6,383
Assets per employee ($millions)	4.3620%	2,952
Cash dividends to net income (ytd only)*	24.8447%	2,452
Condition Ratios (%)
Loss allowance to loans	1.5046%	2,962
Loan loss allowance to noncurrent loans	99.0476%	3,088
Noncurrent assets plus other real estate owned to assets	0.4814%	6,042
Noncurrent loans to loans	1.5191%	4,005
Net loans and leases to total assets	31.2150%	7,885
Net loans and leases to deposits	39.7470%	7,842
Net loans and leases to core deposits	51.5081%	7,741
Total domestic deposits to total assets	78.5343%	5,856
Equity capital to assets	16.0156%	868
Core capital (leverage) ratio	16.2663%	746
Tier 1 risk-based capital ratio	40.9399%	307
Total risk-based capital ratio	42.1339%	299
Memoranda:
Average total assets	$65,250,500	6,281
Average earning assets	$62,081,500	6,170
Average equity	$10,322,000	5,287
Average total loans	$20,640,000	7,324
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6243%	7,001
Cost of funding earning assets	2.3902%	4,762
Net interest margin	3.2341%	6,260
Noninterest income to average assets	0.0934%	7,663
Noninterest expense to average assets	1.5362%	8,019
Loan and lease loss provision to assets	0.1541%	5,389
Net operating income to assets	1.1760%	1,854
Return on assets (ROA)	0.9432%	2,681
Pretax return on assets	1.1720%	2,758
Return on Equity (ROE)	6.0583%	3,918
Retained earnings to average equity (ytd only)	3.8589%	2,726
Net charge-offs to loans	0.5047%	2,338
Credit loss provision to net charge-offs	95.1923%	5,542
Earnings coverage of net charge-offs (x)	9.9904%	2,597
Efficiency ratio	48.7167%	7,755
Assets per employee ($millions)	4.3381%	2,901
Cash dividends to net income (ytd only)*	36.3036%	3,821
Condition Ratios (%)
Loss allowance to loans	1.5187%	2,590
Loan loss allowance to noncurrent loans	81.6754%	4,060
Noncurrent assets plus other real estate owned to assets	0.5871%	5,427
Noncurrent loans to loans	1.8594%	2,975
Net loans and leases to total assets	31.0922%	7,966
Net loans and leases to deposits	39.2954%	7,951
Net loans and leases to core deposits	50.9712%	7,865
Total domestic deposits to total assets	79.1243%	5,327
Equity capital to assets	15.6214%	1,020
Core capital (leverage) ratio	15.7432%	875
Tier 1 risk-based capital ratio	39.7445%	347
Total risk-based capital ratio	40.9168%	341
Memoranda:
Average total assets	$64,250,600	6,221
Average earning assets	$60,789,800	6,141
Average equity	$10,002,800	5,411
Average total loans	$20,604,600	7,292