Home > North Cambridge Co-operative Bank > Performance and Condition Ratios

North Cambridge Co-operative Bank, Performance and Condition Ratios

Basic Info Reviews History Routing Number Locations

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	3.9439%	4,038
Cost of funding earning assets	0.5648%	4,125
Net interest margin	3.3791%	2,450
Noninterest income to average assets	0.0400%	4,460
Noninterest expense to average assets	2.4900%	2,328
Loan and lease loss provision to assets	0.0200%	2,739
Net operating income to assets	0.6507%	3,310
Return on assets (ROA)	0.7066%	3,151
Pretax return on assets	0.9166%	2,920
Return on Equity (ROE)	2.7500%	4,058
Retained earnings to average equity (ytd only)	2.7472%	3,362
Net charge-offs to loans	0.0000%	2,917
Credit loss provision to net charge-offs	0.0000%	2,397
Earnings coverage of net charge-offs (x)	0.0000%	2,831
Efficiency ratio	74.1791%	1,437
Assets per employee ($millions)	9.4012%	861
Cash dividends to net income (ytd only)*	0.0000%	3,404
Condition Ratios (%)
Loss allowance to loans	1.2329%	2,097
Loan loss allowance to noncurrent loans	0.0000%	3,805
Noncurrent assets plus other real estate owned to assets	0.0000%	3,871
Noncurrent loans to loans	0.0000%	3,821
Net loans and leases to total assets	59.8400%	2,856
Net loans and leases to deposits	82.6944%	1,897
Net loans and leases to core deposits	92.5490%	1,865
Total domestic deposits to total assets	72.3600%	4,210
Equity capital to assets	26.8700%	175
Core capital (leverage) ratio	26.3140%	145
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	60.2083%	85
Memoranda:
Average total assets	$86,183,400	3,961
Average earning assets	$84,638,000	3,887
Average equity	$22,168,000	2,679
Average total loans	$51,775,800	3,819
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9353%	3,943
Cost of funding earning assets	0.5039%	4,128
Net interest margin	3.4314%	2,391
Noninterest income to average assets	0.0300%	4,496
Noninterest expense to average assets	2.4486%	2,375
Loan and lease loss provision to assets	0.0200%	2,562
Net operating income to assets	0.7160%	3,274
Return on assets (ROA)	0.4666%	3,835
Pretax return on assets	0.6160%	3,712
Return on Equity (ROE)	1.8300%	4,219
Retained earnings to average equity (ytd only)	1.8341%	3,759
Net charge-offs to loans	0.0000%	2,666
Credit loss provision to net charge-offs	0.0000%	2,098
Earnings coverage of net charge-offs (x)	0.0000%	2,572
Efficiency ratio	72.0109%	1,567
Assets per employee ($millions)	9.4766%	790
Cash dividends to net income (ytd only)*	0.0000%	3,002
Condition Ratios (%)
Loss allowance to loans	1.2265%	2,243
Loan loss allowance to noncurrent loans	0.0000%	3,833
Noncurrent assets plus other real estate owned to assets	0.0000%	3,901
Noncurrent loans to loans	0.0000%	3,847
Net loans and leases to total assets	59.6700%	2,880
Net loans and leases to deposits	81.4010%	1,944
Net loans and leases to core deposits	90.3709%	1,909
Total domestic deposits to total assets	73.3100%	4,206
Equity capital to assets	25.9307%	186
Core capital (leverage) ratio	26.1145%	150
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	59.4740%	86
Memoranda:
Average total assets	$86,576,500	3,967
Average earning assets	$84,937,750	3,896
Average equity	$22,026,250	2,676
Average total loans	$51,904,750	3,824
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8771%	3,910
Cost of funding earning assets	0.4331%	4,112
Net interest margin	3.4440%	2,406
Noninterest income to average assets	0.0400%	4,512
Noninterest expense to average assets	2.5010%	2,206
Loan and lease loss provision to assets	0.0200%	2,476
Net operating income to assets	0.7151%	3,314
Return on assets (ROA)	0.5172%	3,780
Pretax return on assets	0.6620%	3,684
Return on Equity (ROE)	2.0500%	4,267
Retained earnings to average equity (ytd only)	2.0458%	3,715
Net charge-offs to loans	0.0000%	2,455
Credit loss provision to net charge-offs	0.0000%	1,862
Earnings coverage of net charge-offs (x)	0.0000%	2,403
Efficiency ratio	72.7759%	1,478
Assets per employee ($millions)	9.4281%	800
Cash dividends to net income (ytd only)*	0.0000%	2,909
Condition Ratios (%)
Loss allowance to loans	1.2330%	2,267
Loan loss allowance to noncurrent loans	0.0000%	3,834
Noncurrent assets plus other real estate owned to assets	0.0000%	3,917
Noncurrent loans to loans	0.0000%	3,848
Net loans and leases to total assets	59.6600%	2,803
Net loans and leases to deposits	81.4981%	1,871
Net loans and leases to core deposits	90.5279%	1,759
Total domestic deposits to total assets	73.2100%	4,241
Equity capital to assets	25.9838%	183
Core capital (leverage) ratio	25.7560%	151
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	61.1045%	80
Memoranda:
Average total assets	$87,005,667	3,978
Average earning assets	$85,889,000	3,899
Average equity	$21,996,333	2,694
Average total loans	$52,030,333	3,832
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8529%	3,764
Cost of funding earning assets	0.3494%	4,077
Net interest margin	3.5034%	2,354
Noninterest income to average assets	0.0400%	4,561
Noninterest expense to average assets	2.4205%	2,468
Loan and lease loss provision to assets	0.0000%	2,553
Net operating income to assets	0.7776%	3,265
Return on assets (ROA)	0.2861%	4,227
Pretax return on assets	0.4587%	4,044
Return on Equity (ROE)	1.1500%	4,371
Retained earnings to average equity (ytd only)	1.1470%	3,845
Net charge-offs to loans	0.0000%	2,062
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	69.1310%	1,843
Assets per employee ($millions)	9.6947%	761
Cash dividends to net income (ytd only)*	0.0000%	2,306
Condition Ratios (%)
Loss allowance to loans	1.1107%	2,996
Loan loss allowance to noncurrent loans	0.0000%	3,881
Noncurrent assets plus other real estate owned to assets	0.0000%	3,959
Noncurrent loans to loans	0.0000%	3,889
Net loans and leases to total assets	59.3900%	2,727
Net loans and leases to deposits	80.2298%	1,801
Net loans and leases to core deposits	89.9899%	1,616
Total domestic deposits to total assets	74.0200%	4,286
Equity capital to assets	25.1868%	152
Core capital (leverage) ratio	24.9283%	166
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	58.0075%	84
Memoranda:
Average total assets	$88,082,000	4,018
Average earning assets	$87,000,000	3,943
Average equity	$21,970,500	2,719
Average total loans	$52,417,000	3,872
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9189%	4,223
Cost of funding earning assets	0.2210%	3,588
Net interest margin	2.6979%	4,057
Noninterest income to average assets	0.0300%	4,621
Noninterest expense to average assets	2.2507%	2,892
Loan and lease loss provision to assets	0.0000%	2,926
Net operating income to assets	0.2950%	4,370
Return on assets (ROA)	0.0446%	4,526
Pretax return on assets	0.0636%	4,519
Return on Equity (ROE)	0.1800%	4,536
Retained earnings to average equity (ytd only)	0.1831%	4,315
Net charge-offs to loans	0.0000%	2,620
Credit loss provision to net charge-offs	0.0000%	1,979
Earnings coverage of net charge-offs (x)	0.0000%	2,564
Efficiency ratio	85.5386%	437
Assets per employee ($millions)	9.8791%	703
Cash dividends to net income (ytd only)*	0.0000%	3,453
Condition Ratios (%)
Loss allowance to loans	1.1100%	2,850
Loan loss allowance to noncurrent loans	0.0000%	3,900
Noncurrent assets plus other real estate owned to assets	0.0000%	3,976
Noncurrent loans to loans	0.0000%	3,914
Net loans and leases to total assets	58.3200%	2,791
Net loans and leases to deposits	78.1233%	1,936
Net loans and leases to core deposits	85.2268%	1,805
Total domestic deposits to total assets	74.6500%	4,333
Equity capital to assets	24.7042%	153
Core capital (leverage) ratio	24.6614%	166
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	58.5455%	86
Memoranda:
Average total assets	$89,616,400	4,020
Average earning assets	$86,436,600	3,964
Average equity	$21,850,400	2,784
Average total loans	$53,008,600	3,847
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.7709%	4,222
Cost of funding earning assets	0.2153%	3,086
Net interest margin	2.5556%	4,158
Noninterest income to average assets	0.0300%	4,652
Noninterest expense to average assets	2.1931%	2,952
Loan and lease loss provision to assets	0.0000%	2,752
Net operating income to assets	0.2821%	4,398
Return on assets (ROA)	-0.5316%	4,666
Pretax return on assets	-0.5286%	4,661
Return on Equity (ROE)	-2.1900%	4,623
Retained earnings to average equity (ytd only)	-2.1874%	4,496
Net charge-offs to loans	0.0000%	2,349
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	0.0000%	2,297
Efficiency ratio	88.4961%	369
Assets per employee ($millions)	8.8313%	958
Cash dividends to net income (ytd only)*	0.0000%	3,071
Condition Ratios (%)
Loss allowance to loans	1.1184%	2,927
Loan loss allowance to noncurrent loans	0.0000%	3,983
Noncurrent assets plus other real estate owned to assets	0.0000%	4,052
Noncurrent loans to loans	0.0000%	3,992
Net loans and leases to total assets	58.2700%	2,666
Net loans and leases to deposits	77.4908%	1,760
Net loans and leases to core deposits	83.1225%	1,710
Total domestic deposits to total assets	75.1900%	4,398
Equity capital to assets	24.1595%	149
Core capital (leverage) ratio	23.8600%	166
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	57.9922%	92
Memoranda:
Average total assets	$89,792,500	4,048
Average earning assets	$86,083,500	3,996
Average equity	$21,821,750	2,835
Average total loans	$53,152,250	3,866
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.6267%	4,246
Cost of funding earning assets	0.2263%	2,568
Net interest margin	2.4004%	4,226
Noninterest income to average assets	0.0266%	4,689
Noninterest expense to average assets	2.1510%	2,994
Loan and lease loss provision to assets	0.0000%	2,599
Net operating income to assets	0.1506%	4,474
Return on assets (ROA)	-0.8196%	4,695
Pretax return on assets	-0.8152%	4,686
Return on Equity (ROE)	-3.3661%	4,652
Retained earnings to average equity (ytd only)	-3.3661%	4,475
Net charge-offs to loans	0.0000%	2,156
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	93.2757%	312
Assets per employee ($millions)	8.9995%	890
Cash dividends to net income (ytd only)*	0.0000%	2,927
Condition Ratios (%)
Loss allowance to loans	1.1091%	3,129
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,093
Noncurrent loans to loans	0.0000%	4,026
Net loans and leases to total assets	57.6621%	2,566
Net loans and leases to deposits	76.3492%	1,663
Net loans and leases to core deposits	81.7496%	1,606
Total domestic deposits to total assets	75.5242%	4,482
Equity capital to assets	23.8824%	106
Core capital (leverage) ratio	23.7988%	115
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	57.2769%	54
Memoranda:
Average total assets	$90,285,667	4,078
Average earning assets	$85,734,667	4,050
Average equity	$21,983,667	2,894
Average total loans	$53,523,333	3,902
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.6631%	4,004
Cost of funding earning assets	0.2378%	2,290
Net interest margin	2.4253%	4,027
Noninterest income to average assets	0.0265%	4,712
Noninterest expense to average assets	2.1276%	3,057
Loan and lease loss provision to assets	0.0000%	2,285
Net operating income to assets	0.1460%	4,410
Return on assets (ROA)	-0.4467%	4,685
Pretax return on assets	-0.4379%	4,672
Return on Equity (ROE)	-1.8174%	4,632
Retained earnings to average equity (ytd only)	-1.8174%	4,238
Net charge-offs to loans	0.0000%	1,838
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	93.2171%	414
Assets per employee ($millions)	9.0034%	912
Cash dividends to net income (ytd only)*	0.0000%	2,254
Condition Ratios (%)
Loss allowance to loans	1.0810%	3,415
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,139
Noncurrent loans to loans	0.0000%	4,066
Net loans and leases to total assets	59.1543%	2,168
Net loans and leases to deposits	79.0169%	1,210
Net loans and leases to core deposits	85.7412%	1,148
Total domestic deposits to total assets	74.8628%	4,547
Equity capital to assets	24.4808%	93
Core capital (leverage) ratio	24.1276%	100
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	55.5886%	59
Memoranda:
Average total assets	$90,431,000	4,094
Average earning assets	$84,114,000	4,088
Average equity	$22,229,000	2,968
Average total loans	$54,047,500	3,899
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.7216%	4,292
Cost of funding earning assets	0.3063%	2,344
Net interest margin	2.4153%	4,306
Noninterest income to average assets	0.0268%	4,762
Noninterest expense to average assets	2.3712%	2,582
Loan and lease loss provision to assets	0.0000%	3,064
Net operating income to assets	-0.1232%	4,711
Return on assets (ROA)	0.2505%	4,497
Pretax return on assets	0.5190%	4,227
Return on Equity (ROE)	1.0067%	4,610
Retained earnings to average equity (ytd only)	1.0067%	4,256
Net charge-offs to loans	0.0000%	2,705
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	98.1027%	167
Assets per employee ($millions)	9.0828%	893
Cash dividends to net income (ytd only)*	0.0000%	3,588
Condition Ratios (%)
Loss allowance to loans	1.0727%	3,472
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,222
Noncurrent loans to loans	0.0000%	4,145
Net loans and leases to total assets	59.0919%	2,259
Net loans and leases to deposits	79.2125%	1,279
Net loans and leases to core deposits	86.3199%	1,182
Total domestic deposits to total assets	74.5992%	4,570
Equity capital to assets	24.6807%	96
Core capital (leverage) ratio	24.1874%	102
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	56.2694%	58
Memoranda:
Average total assets	$89,404,400	4,104
Average earning assets	$88,477,000	4,038
Average equity	$22,251,800	3,039
Average total loans	$53,867,800	3,934
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.7769%	4,326
Cost of funding earning assets	0.3254%	2,346
Net interest margin	2.4515%	4,340
Noninterest income to average assets	0.0270%	4,836
Noninterest expense to average assets	2.3882%	2,474
Loan and lease loss provision to assets	0.0000%	2,963
Net operating income to assets	-0.1637%	4,788
Return on assets (ROA)	0.2231%	4,629
Pretax return on assets	0.5540%	4,294
Return on Equity (ROE)	0.8944%	4,697
Retained earnings to average equity (ytd only)	0.8944%	4,431
Net charge-offs to loans	0.0000%	2,463
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	97.3748%	180
Assets per employee ($millions)	8.9617%	904
Cash dividends to net income (ytd only)*	0.0000%	3,236
Condition Ratios (%)
Loss allowance to loans	1.0687%	3,581
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,311
Noncurrent loans to loans	0.0000%	4,237
Net loans and leases to total assets	60.1169%	2,246
Net loans and leases to deposits	80.8097%	1,206
Net loans and leases to core deposits	88.5709%	1,119
Total domestic deposits to total assets	74.3933%	4,623
Equity capital to assets	24.8993%	98
Core capital (leverage) ratio	24.3394%	105
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	59.8001%	57
Memoranda:
Average total assets	$89,048,500	4,161
Average earning assets	$88,105,500	4,092
Average equity	$22,210,500	3,070
Average total loans	$53,771,250	3,984
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.8246%	4,318
Cost of funding earning assets	0.3528%	2,294
Net interest margin	2.4718%	4,343
Noninterest income to average assets	0.0270%	4,875
Noninterest expense to average assets	2.4443%	2,329
Loan and lease loss provision to assets	0.0000%	2,862
Net operating income to assets	-0.2923%	4,841
Return on assets (ROA)	0.1913%	4,657
Pretax return on assets	0.6392%	4,175
Return on Equity (ROE)	0.7666%	4,727
Retained earnings to average equity (ytd only)	0.7666%	4,385
Net charge-offs to loans	0.0000%	2,245
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	98.9071%	176
Assets per employee ($millions)	8.8659%	899
Cash dividends to net income (ytd only)*	0.0000%	3,087
Condition Ratios (%)
Loss allowance to loans	1.0676%	3,554
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,353
Noncurrent loans to loans	0.0000%	4,280
Net loans and leases to total assets	60.8342%	2,326
Net loans and leases to deposits	81.9158%	1,233
Net loans and leases to core deposits	89.9321%	1,144
Total domestic deposits to total assets	74.2643%	4,645
Equity capital to assets	25.1029%	92
Core capital (leverage) ratio	24.6584%	101
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	60.2997%	59
Memoranda:
Average total assets	$88,859,000	4,186
Average earning assets	$87,871,333	4,114
Average equity	$22,176,000	3,072
Average total loans	$53,542,667	4,016
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.8288%	4,343
Cost of funding earning assets	0.3775%	2,290
Net interest margin	2.4513%	4,365
Noninterest income to average assets	0.0270%	4,895
Noninterest expense to average assets	2.3247%	2,710
Loan and lease loss provision to assets	0.0000%	2,741
Net operating income to assets	-0.4755%	4,888
Return on assets (ROA)	0.3912%	4,401
Pretax return on assets	1.2230%	2,779
Return on Equity (ROE)	1.5721%	4,653
Retained earnings to average equity (ytd only)	1.5721%	4,106
Net charge-offs to loans	0.0000%	1,930
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	94.8624%	271
Assets per employee ($millions)	8.8750%	872
Cash dividends to net income (ytd only)*	0.0000%	2,433
Condition Ratios (%)
Loss allowance to loans	1.0786%	3,526
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,422
Noncurrent loans to loans	0.0000%	4,341
Net loans and leases to total assets	60.1442%	2,528
Net loans and leases to deposits	80.9567%	1,427
Net loans and leases to core deposits	91.3069%	1,152
Total domestic deposits to total assets	74.2918%	4,656
Equity capital to assets	25.0783%	91
Core capital (leverage) ratio	24.5815%	98
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	61.6690%	55
Memoranda:
Average total assets	$88,959,000	4,202
Average earning assets	$87,953,500	4,123
Average equity	$22,136,000	3,067
Average total loans	$53,055,500	4,034
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4087%	4,181
Cost of funding earning assets	0.6395%	2,059
Net interest margin	2.7692%	4,298
Noninterest income to average assets	0.0343%	4,889
Noninterest expense to average assets	2.2355%	3,573
Loan and lease loss provision to assets	0.0000%	4,319
Net operating income to assets	0.4236%	4,200
Return on assets (ROA)	0.3896%	4,351
Pretax return on assets	0.3949%	4,430
Return on Equity (ROE)	1.6802%	4,601
Retained earnings to average equity (ytd only)	1.6802%	3,959
Net charge-offs to loans	0.0000%	3,443
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	83.8905%	644
Assets per employee ($millions)	10.0068%	530
Cash dividends to net income (ytd only)*	0.0000%	3,731
Condition Ratios (%)
Loss allowance to loans	1.1160%	3,385
Loan loss allowance to noncurrent loans	209.3525%	2,274
Noncurrent assets plus other real estate owned to assets	0.2778%	2,906
Noncurrent loans to loans	0.5331%	2,383
Net loans and leases to total assets	51.5340%	3,699
Net loans and leases to deposits	66.3028%	3,242
Net loans and leases to core deposits	74.4066%	2,875
Total domestic deposits to total assets	77.7251%	4,347
Equity capital to assets	22.0000%	138
Core capital (leverage) ratio	22.4303%	126
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	58.5519%	57
Memoranda:
Average total assets	$93,180,200	4,076
Average earning assets	$88,509,000	4,048
Average equity	$21,604,000	3,048
Average total loans	$54,738,200	4,001
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5744%	4,077
Cost of funding earning assets	0.6968%	2,040
Net interest margin	2.8776%	4,217
Noninterest income to average assets	0.0364%	4,921
Noninterest expense to average assets	2.3383%	3,314
Loan and lease loss provision to assets	0.0000%	4,239
Net operating income to assets	0.5015%	4,030
Return on assets (ROA)	0.0160%	4,779
Pretax return on assets	0.0000%	4,784
Return on Equity (ROE)	0.0682%	4,787
Retained earnings to average equity (ytd only)	0.0682%	4,467
Net charge-offs to loans	0.0000%	3,243
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	82.8085%	687
Assets per employee ($millions)	8.9614%	696
Cash dividends to net income (ytd only)*	0.0000%	3,332
Condition Ratios (%)
Loss allowance to loans	1.0806%	3,301
Loan loss allowance to noncurrent loans	268.2028%	1,769
Noncurrent assets plus other real estate owned to assets	0.2421%	3,223
Noncurrent loans to loans	0.4029%	2,849
Net loans and leases to total assets	59.4494%	3,284
Net loans and leases to deposits	78.5639%	2,469
Net loans and leases to core deposits	89.7626%	1,997
Total domestic deposits to total assets	75.6701%	4,453
Equity capital to assets	23.9594%	109
Core capital (leverage) ratio	23.4623%	117
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$91,458,250	4,109
Average earning assets	$88,591,250	4,049
Average equity	$21,501,250	3,047
Average total loans	$55,385,000	4,013
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8168%	3,818
Cost of funding earning assets	0.7616%	2,039
Net interest margin	3.0552%	4,000
Noninterest income to average assets	0.0413%	4,932
Noninterest expense to average assets	2.4133%	3,224
Loan and lease loss provision to assets	0.0000%	4,134
Net operating income to assets	0.4867%	4,051
Return on assets (ROA)	-0.0521%	4,816
Pretax return on assets	-0.0999%	4,824
Return on Equity (ROE)	-0.2231%	4,809
Retained earnings to average equity (ytd only)	-0.2231%	4,352
Net charge-offs to loans	0.0000%	3,033
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	80.5656%	849
Assets per employee ($millions)	9.1505%	654
Cash dividends to net income (ytd only)*	0.0000%	3,182
Condition Ratios (%)
Loss allowance to loans	1.0707%	3,230
Loan loss allowance to noncurrent loans	263.3484%	1,723
Noncurrent assets plus other real estate owned to assets	0.2415%	3,353
Noncurrent loans to loans	0.4066%	2,948
Net loans and leases to total assets	58.7695%	3,446
Net loans and leases to deposits	77.1904%	2,737
Net loans and leases to core deposits	91.7618%	1,925
Total domestic deposits to total assets	76.1357%	4,414
Equity capital to assets	23.4698%	118
Core capital (leverage) ratio	23.1280%	122
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$92,073,000	4,096
Average earning assets	$89,027,667	4,041
Average equity	$21,511,333	3,028
Average total loans	$55,894,333	4,020
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2793%	2,990
Cost of funding earning assets	0.8010%	2,391
Net interest margin	3.4783%	3,052
Noninterest income to average assets	0.0390%	4,991
Noninterest expense to average assets	2.6333%	2,877
Loan and lease loss provision to assets	0.0000%	3,711
Net operating income to assets	0.5717%	3,683
Return on assets (ROA)	0.5717%	3,747
Pretax return on assets	0.7536%	3,538
Return on Equity (ROE)	2.4525%	4,354
Retained earnings to average equity (ytd only)	2.4525%	3,290
Net charge-offs to loans	0.0000%	2,581
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.7494%	1,368
Assets per employee ($millions)	9.1370%	509
Cash dividends to net income (ytd only)*	0.0000%	2,581
Condition Ratios (%)
Loss allowance to loans	1.0298%	3,546
Loan loss allowance to noncurrent loans	148.0916%	2,565
Noncurrent assets plus other real estate owned to assets	0.4301%	2,752
Noncurrent loans to loans	0.6954%	2,254
Net loans and leases to total assets	61.2170%	3,380
Net loans and leases to deposits	80.3638%	2,641
Net loans and leases to core deposits	96.4596%	1,752
Total domestic deposits to total assets	76.1749%	4,469
Equity capital to assets	23.4114%	137
Core capital (leverage) ratio	22.1546%	167
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	51.6998%	84
Memoranda:
Average total assets	$92,357,000	4,089
Average earning assets	$88,893,000	4,039
Average equity	$21,529,000	3,023
Average total loans	$56,662,000	4,018
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6254%	4,754
Cost of funding earning assets	0.7608%	2,869
Net interest margin	2.8647%	4,693
Noninterest income to average assets	0.0385%	5,057
Noninterest expense to average assets	2.1541%	4,258
Loan and lease loss provision to assets	0.0000%	3,973
Net operating income to assets	0.4656%	4,479
Return on assets (ROA)	0.4656%	4,518
Pretax return on assets	0.6406%	4,346
Return on Equity (ROE)	1.9916%	4,801
Retained earnings to average equity (ytd only)	1.9916%	4,005
Net charge-offs to loans	0.0000%	3,726
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.0776%	1,257
Assets per employee ($millions)	9.3344%	446
Cash dividends to net income (ytd only)*	0.0000%	3,913
Condition Ratios (%)
Loss allowance to loans	1.0245%	3,348
Loan loss allowance to noncurrent loans	124.3590%	2,914
Noncurrent assets plus other real estate owned to assets	0.5014%	2,414
Noncurrent loans to loans	0.8238%	1,860
Net loans and leases to total assets	60.2353%	3,563
Net loans and leases to deposits	78.8197%	2,926
Net loans and leases to core deposits	93.2716%	2,132
Total domestic deposits to total assets	76.4216%	4,559
Equity capital to assets	23.2120%	155
Core capital (leverage) ratio	21.9708%	175
Tier 1 risk-based capital ratio	46.9307%	158
Total risk-based capital ratio	50.2345%	136
Memoranda:
Average total assets	$90,851,600	4,135
Average earning assets	$87,410,200	4,075
Average equity	$21,239,000	3,019
Average total loans	$55,415,800	4,070
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5770%	4,902
Cost of funding earning assets	0.7488%	2,973
Net interest margin	2.8282%	4,832
Noninterest income to average assets	0.0414%	5,131
Noninterest expense to average assets	2.1353%	4,301
Loan and lease loss provision to assets	0.0000%	3,836
Net operating income to assets	0.4758%	4,578
Return on assets (ROA)	0.4758%	4,615
Pretax return on assets	0.6354%	4,478
Return on Equity (ROE)	2.0316%	4,891
Retained earnings to average equity (ytd only)	2.0316%	4,259
Net charge-offs to loans	0.0000%	3,455
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.0667%	1,209
Assets per employee ($millions)	9.1564%	457
Cash dividends to net income (ytd only)*	0.0000%	3,563
Condition Ratios (%)
Loss allowance to loans	1.0304%	3,398
Loan loss allowance to noncurrent loans	91.5094%	3,463
Noncurrent assets plus other real estate owned to assets	0.6946%	1,961
Noncurrent loans to loans	1.1260%	1,412
Net loans and leases to total assets	61.0535%	3,583
Net loans and leases to deposits	80.1178%	2,885
Net loans and leases to core deposits	94.7573%	2,105
Total domestic deposits to total assets	76.2046%	4,623
Equity capital to assets	23.4415%	151
Core capital (leverage) ratio	22.1165%	173
Tier 1 risk-based capital ratio	46.4439%	160
Total risk-based capital ratio	49.5659%	147
Memoranda:
Average total assets	$90,228,500	4,198
Average earning assets	$87,073,000	4,133
Average equity	$21,132,000	3,053
Average total loans	$55,067,750	4,123
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5559%	4,966
Cost of funding earning assets	0.7232%	3,026
Net interest margin	2.8327%	4,891
Noninterest income to average assets	0.0401%	5,184
Noninterest expense to average assets	2.1318%	4,358
Loan and lease loss provision to assets	0.0000%	3,685
Net operating income to assets	0.4812%	4,571
Return on assets (ROA)	0.4812%	4,604
Pretax return on assets	0.6482%	4,451
Return on Equity (ROE)	2.0551%	4,929
Retained earnings to average equity (ytd only)	2.0551%	4,092
Net charge-offs to loans	0.0000%	3,172
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.6827%	1,310
Assets per employee ($millions)	9.0052%	461
Cash dividends to net income (ytd only)*	0.0000%	3,431
Condition Ratios (%)
Loss allowance to loans	1.0475%	3,349
Loan loss allowance to noncurrent loans	94.7883%	3,415
Noncurrent assets plus other real estate owned to assets	0.6818%	2,011
Noncurrent loans to loans	1.1051%	1,479
Net loans and leases to total assets	61.0536%	3,642
Net loans and leases to deposits	80.2347%	2,925
Net loans and leases to core deposits	94.1487%	2,231
Total domestic deposits to total assets	76.0938%	4,654
Equity capital to assets	23.5975%	146
Core capital (leverage) ratio	22.3016%	164
Tier 1 risk-based capital ratio	47.7152%	151
Total risk-based capital ratio	50.7465%	143
Memoranda:
Average total assets	$89,783,330	4,226
Average earning assets	$86,842,000	4,156
Average equity	$21,021,330	3,058
Average total loans	$54,595,330	4,158
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5332%	5,016
Cost of funding earning assets	0.7020%	3,045
Net interest margin	2.8312%	4,958
Noninterest income to average assets	0.0357%	5,247
Noninterest expense to average assets	2.1015%	4,463
Loan and lease loss provision to assets	0.0000%	3,406
Net operating income to assets	0.4730%	4,590
Return on assets (ROA)	0.4730%	4,613
Pretax return on assets	0.6514%	4,412
Return on Equity (ROE)	2.0280%	4,962
Retained earnings to average equity (ytd only)	2.0280%	4,058
Net charge-offs to loans	0.0000%	2,740
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.3371%	1,463
Assets per employee ($millions)	9.0057%	477
Cash dividends to net income (ytd only)*	0.0000%	2,768
Condition Ratios (%)
Loss allowance to loans	1.0779%	3,247
Loan loss allowance to noncurrent loans	94.1748%	3,466
Noncurrent assets plus other real estate owned to assets	0.6862%	2,041
Noncurrent loans to loans	1.1446%	1,459
Net loans and leases to total assets	59.3069%	3,762
Net loans and leases to deposits	77.6545%	3,098
Net loans and leases to core deposits	90.9803%	2,402
Total domestic deposits to total assets	76.3727%	4,721
Equity capital to assets	23.3463%	137
Core capital (leverage) ratio	22.1620%	168
Tier 1 risk-based capital ratio	47.5834%	149
Total risk-based capital ratio	50.5106%	135
Memoranda:
Average total assets	$89,649,000	4,270
Average earning assets	$86,040,500	4,219
Average equity	$20,907,000	3,077
Average total loans	$54,112,000	4,205
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2774%	5,098
Cost of funding earning assets	0.6359%	2,489
Net interest margin	2.6415%	5,128
Noninterest income to average assets	0.0404%	5,290
Noninterest expense to average assets	2.0092%	4,737
Loan and lease loss provision to assets	0.0000%	4,082
Net operating income to assets	0.4544%	4,759
Return on assets (ROA)	0.4544%	4,758
Pretax return on assets	0.5991%	4,630
Return on Equity (ROE)	1.9697%	5,046
Retained earnings to average equity (ytd only)	1.9697%	4,361
Net charge-offs to loans	0.0000%	3,782
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.0323%	1,233
Assets per employee ($millions)	9.9157%	350
Cash dividends to net income (ytd only)*	0.0000%	4,013
Condition Ratios (%)
Loss allowance to loans	1.0732%	3,252
Loan loss allowance to noncurrent loans	93.5691%	3,528
Noncurrent assets plus other real estate owned to assets	0.6970%	1,988
Noncurrent loans to loans	1.1469%	1,400
Net loans and leases to total assets	60.1181%	3,762
Net loans and leases to deposits	78.6507%	3,087
Net loans and leases to core deposits	91.5732%	2,445
Total domestic deposits to total assets	76.4368%	4,697
Equity capital to assets	23.2953%	141
Core capital (leverage) ratio	22.0233%	164
Tier 1 risk-based capital ratio	48.2119%	144
Total risk-based capital ratio	51.0158%	132
Memoranda:
Average total assets	$89,138,200	4,285
Average earning assets	$86,654,200	4,209
Average equity	$20,561,000	3,037
Average total loans	$52,281,600	4,255
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2129%	5,191
Cost of funding earning assets	0.6199%	2,336
Net interest margin	2.5929%	5,223
Noninterest income to average assets	0.0419%	5,361
Noninterest expense to average assets	2.0079%	4,726
Loan and lease loss provision to assets	0.0000%	3,948
Net operating income to assets	0.4533%	4,848
Return on assets (ROA)	0.4533%	4,856
Pretax return on assets	0.5686%	4,785
Return on Equity (ROE)	1.9703%	5,136
Retained earnings to average equity (ytd only)	1.9703%	4,590
Net charge-offs to loans	0.0000%	3,489
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.9326%	1,126
Assets per employee ($millions)	9.8879%	345
Cash dividends to net income (ytd only)*	0.0000%	3,598
Condition Ratios (%)
Loss allowance to loans	1.0981%	3,205
Loan loss allowance to noncurrent loans	89.2638%	3,642
Noncurrent assets plus other real estate owned to assets	0.7327%	2,026
Noncurrent loans to loans	1.2301%	1,372
Net loans and leases to total assets	58.9060%	3,955
Net loans and leases to deposits	77.1805%	3,307
Net loans and leases to core deposits	89.8481%	2,674
Total domestic deposits to total assets	76.3223%	4,753
Equity capital to assets	23.3102%	140
Core capital (leverage) ratio	22.5318%	152
Tier 1 risk-based capital ratio	47.4823%	155
Total risk-based capital ratio	50.4148%	140
Memoranda:
Average total assets	$89,112,500	4,325
Average earning assets	$87,106,000	4,243
Average equity	$20,504,000	3,067
Average total loans	$51,794,000	4,318
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1829%	5,242
Cost of funding earning assets	0.6064%	2,185
Net interest margin	2.5765%	5,289
Noninterest income to average assets	0.0426%	5,422
Noninterest expense to average assets	2.0280%	4,753
Loan and lease loss provision to assets	0.0000%	3,782
Net operating income to assets	0.4554%	4,850
Return on assets (ROA)	0.4554%	4,855
Pretax return on assets	0.5406%	4,834
Return on Equity (ROE)	1.9879%	5,175
Retained earnings to average equity (ytd only)	1.9879%	4,465
Net charge-offs to loans	0.0000%	3,209
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	78.9520%	1,120
Assets per employee ($millions)	10.9504%	243
Cash dividends to net income (ytd only)*	0.0000%	3,456
Condition Ratios (%)
Loss allowance to loans	1.1459%	3,003
Loan loss allowance to noncurrent loans	88.7195%	3,675
Noncurrent assets plus other real estate owned to assets	0.7488%	1,992
Noncurrent loans to loans	1.2916%	1,323
Net loans and leases to total assets	57.3142%	4,059
Net loans and leases to deposits	75.2285%	3,425
Net loans and leases to core deposits	87.7672%	2,744
Total domestic deposits to total assets	76.1869%	4,839
Equity capital to assets	23.4261%	136
Core capital (leverage) ratio	22.2070%	159
Tier 1 risk-based capital ratio	48.9505%	142
Total risk-based capital ratio	51.8617%	124
Memoranda:
Average total assets	$89,153,000	4,362
Average earning assets	$87,405,000	4,268
Average equity	$20,424,000	3,088
Average total loans	$51,391,000	4,365
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1153%	5,304
Cost of funding earning assets	0.5895%	2,118
Net interest margin	2.5258%	5,376
Noninterest income to average assets	0.0356%	5,507
Noninterest expense to average assets	1.9482%	4,945
Loan and lease loss provision to assets	0.0000%	3,508
Net operating income to assets	0.4137%	4,903
Return on assets (ROA)	0.4137%	4,907
Pretax return on assets	0.5649%	4,759
Return on Equity (ROE)	1.8258%	5,205
Retained earnings to average equity (ytd only)	1.8258%	4,405
Net charge-offs to loans	0.0000%	2,722
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.5221%	1,404
Assets per employee ($millions)	9.9916%	329
Cash dividends to net income (ytd only)*	0.0000%	2,749
Condition Ratios (%)
Loss allowance to loans	1.1297%	3,210
Loan loss allowance to noncurrent loans	112.3552%	3,234
Noncurrent assets plus other real estate owned to assets	0.5760%	2,597
Noncurrent loans to loans	1.0054%	1,814
Net loans and leases to total assets	56.6456%	4,063
Net loans and leases to deposits	73.7249%	3,438
Net loans and leases to core deposits	85.9437%	2,811
Total domestic deposits to total assets	76.8338%	4,879
Equity capital to assets	22.7236%	144
Core capital (leverage) ratio	21.5361%	168
Tier 1 risk-based capital ratio	49.4856%	134
Total risk-based capital ratio	52.4299%	123
Memoranda:
Average total assets	$89,928,000	4,401
Average earning assets	$88,208,500	4,296
Average equity	$20,375,000	3,123
Average total loans	$51,691,000	4,405
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0839%	5,306
Cost of funding earning assets	0.5555%	1,906
Net interest margin	2.5284%	5,392
Noninterest income to average assets	0.0356%	5,560
Noninterest expense to average assets	1.9572%	5,032
Loan and lease loss provision to assets	0.0000%	4,227
Net operating income to assets	0.3462%	4,836
Return on assets (ROA)	0.3462%	4,861
Pretax return on assets	0.5310%	4,879
Return on Equity (ROE)	1.5426%	5,147
Retained earnings to average equity (ytd only)	1.5426%	4,381
Net charge-offs to loans	0.0000%	4,128
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	78.6577%	1,258
Assets per employee ($millions)	9.9924%	320
Cash dividends to net income (ytd only)*	0.0000%	4,098
Condition Ratios (%)
Loss allowance to loans	1.1222%	3,231
Loan loss allowance to noncurrent loans	47.3941%	4,538
Noncurrent assets plus other real estate owned to assets	1.3655%	1,042
Noncurrent loans to loans	2.3678%	591
Net loans and leases to total assets	57.0209%	4,110
Net loans and leases to deposits	74.2295%	3,502
Net loans and leases to core deposits	83.0432%	3,149
Total domestic deposits to total assets	76.8169%	4,879
Equity capital to assets	22.5904%	136
Core capital (leverage) ratio	21.6019%	156
Tier 1 risk-based capital ratio	48.2539%	128
Total risk-based capital ratio	51.2134%	120
Memoranda:
Average total assets	$89,823,000	4,428
Average earning assets	$87,128,800	4,345
Average equity	$20,160,400	3,126
Average total loans	$52,301,600	4,403
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0820%	5,354
Cost of funding earning assets	0.5556%	1,850
Net interest margin	2.5264%	5,454
Noninterest income to average assets	0.0356%	5,630
Noninterest expense to average assets	1.9629%	5,027
Loan and lease loss provision to assets	0.0000%	4,088
Net operating income to assets	0.3415%	5,132
Return on assets (ROA)	0.3415%	5,156
Pretax return on assets	0.5167%	4,991
Return on Equity (ROE)	1.5240%	5,370
Retained earnings to average equity (ytd only)	1.5240%	4,810
Net charge-offs to loans	0.0000%	3,796
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	79.1617%	1,195
Assets per employee ($millions)	10.0110%	313
Cash dividends to net income (ytd only)*	0.0000%	3,680
Condition Ratios (%)
Loss allowance to loans	1.1050%	3,455
Loan loss allowance to noncurrent loans	40.1103%	4,758
Noncurrent assets plus other real estate owned to assets	1.6105%	920
Noncurrent loans to loans	2.7548%	507
Net loans and leases to total assets	57.8131%	4,076
Net loans and leases to deposits	75.1406%	3,452
Net loans and leases to core deposits	82.6311%	3,237
Total domestic deposits to total assets	76.9398%	4,907
Equity capital to assets	22.4697%	139
Core capital (leverage) ratio	21.6556%	153
Tier 1 risk-based capital ratio	48.7304%	133
Total risk-based capital ratio	51.6079%	124
Memoranda:
Average total assets	$89,795,750	4,471
Average earning assets	$86,868,000	4,393
Average equity	$20,121,500	3,150
Average total loans	$52,411,500	4,438
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0680%	5,378
Cost of funding earning assets	0.5534%	1,758
Net interest margin	2.5146%	5,499
Noninterest income to average assets	0.0357%	5,673
Noninterest expense to average assets	1.9488%	5,086
Loan and lease loss provision to assets	0.0000%	3,871
Net operating income to assets	0.3367%	5,132
Return on assets (ROA)	0.3367%	5,155
Pretax return on assets	0.5084%	4,994
Return on Equity (ROE)	1.5040%	5,412
Retained earnings to average equity (ytd only)	1.5040%	4,647
Net charge-offs to loans	0.0000%	3,512
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	79.3103%	1,293
Assets per employee ($millions)	9.8698%	312
Cash dividends to net income (ytd only)*	0.0000%	3,521
Condition Ratios (%)
Loss allowance to loans	1.0994%	3,589
Loan loss allowance to noncurrent loans	38.7483%	4,813
Noncurrent assets plus other real estate owned to assets	1.6909%	859
Noncurrent loans to loans	2.8372%	481
Net loans and leases to total assets	58.9431%	3,926
Net loans and leases to deposits	76.8885%	3,236
Net loans and leases to core deposits	84.6669%	2,993
Total domestic deposits to total assets	76.6605%	5,008
Equity capital to assets	22.6899%	133
Core capital (leverage) ratio	21.5671%	146
Tier 1 risk-based capital ratio	48.4490%	132
Total risk-based capital ratio	51.2688%	117
Memoranda:
Average total assets	$89,694,670	4,499
Average earning assets	$86,376,330	4,428
Average equity	$20,080,330	3,151
Average total loans	$52,325,000	4,458
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0401%	5,422
Cost of funding earning assets	0.5485%	1,726
Net interest margin	2.4916%	5,554
Noninterest income to average assets	0.0355%	5,752
Noninterest expense to average assets	1.9439%	5,162
Loan and lease loss provision to assets	0.0000%	3,537
Net operating income to assets	0.3417%	5,097
Return on assets (ROA)	0.3417%	5,115
Pretax return on assets	0.4704%	5,019
Return on Equity (ROE)	1.5367%	5,416
Retained earnings to average equity (ytd only)	1.5367%	4,486
Net charge-offs to loans	0.0000%	2,943
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	80.5147%	1,320
Assets per employee ($millions)	10.0311%	300
Cash dividends to net income (ytd only)*	0.0000%	2,824
Condition Ratios (%)
Loss allowance to loans	1.1162%	3,616
Loan loss allowance to noncurrent loans	64.5949%	4,321
Noncurrent assets plus other real estate owned to assets	0.9980%	1,827
Noncurrent loans to loans	1.7279%	1,108
Net loans and leases to total assets	57.1123%	4,053
Net loans and leases to deposits	74.0404%	3,398
Net loans and leases to core deposits	81.3124%	3,160
Total domestic deposits to total assets	77.1367%	5,098
Equity capital to assets	22.2508%	141
Core capital (leverage) ratio	21.4136%	151
Tier 1 risk-based capital ratio	50.3549%	127
Total risk-based capital ratio	53.2075%	115
Memoranda:
Average total assets	$90,128,000	4,539
Average earning assets	$86,048,500	4,477
Average equity	$20,043,000	3,171
Average total loans	$52,017,500	4,506
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2724%	5,203
Cost of funding earning assets	0.5886%	1,418
Net interest margin	2.6838%	5,437
Noninterest income to average assets	0.0377%	5,800
Noninterest expense to average assets	1.9539%	5,278
Loan and lease loss provision to assets	0.0000%	4,332
Net operating income to assets	0.3297%	5,145
Return on assets (ROA)	0.3297%	5,219
Pretax return on assets	0.4885%	5,047
Return on Equity (ROE)	1.4990%	5,487
Retained earnings to average equity (ytd only)	1.4990%	4,661
Net charge-offs to loans	0.0000%	4,281
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	80.0000%	1,420
Assets per employee ($millions)	9.9973%	299
Cash dividends to net income (ytd only)*	0.0000%	4,198
Condition Ratios (%)
Loss allowance to loans	1.1216%	3,599
Loan loss allowance to noncurrent loans	77.6000%	4,051
Noncurrent assets plus other real estate owned to assets	0.8336%	2,261
Noncurrent loans to loans	1.4453%	1,404
Net loans and leases to total assets	57.0263%	4,161
Net loans and leases to deposits	73.8454%	3,531
Net loans and leases to core deposits	79.7631%	3,414
Total domestic deposits to total assets	77.2239%	5,086
Equity capital to assets	22.2259%	142
Core capital (leverage) ratio	21.2804%	158
Tier 1 risk-based capital ratio	53.8916%	115
Total risk-based capital ratio	56.8268%	107
Memoranda:
Average total assets	$90,074,000	4,540
Average earning assets	$80,705,000	4,578
Average equity	$19,812,800	3,189
Average total loans	$49,298,200	4,591
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3109%	5,203
Cost of funding earning assets	0.5935%	1,382
Net interest margin	2.7174%	5,475
Noninterest income to average assets	0.0385%	5,860
Noninterest expense to average assets	1.9682%	5,272
Loan and lease loss provision to assets	0.0000%	4,186
Net operating income to assets	0.3241%	5,231
Return on assets (ROA)	0.3241%	5,309
Pretax return on assets	0.4824%	5,165
Return on Equity (ROE)	1.4772%	5,564
Retained earnings to average equity (ytd only)	1.4772%	4,924
Net charge-offs to loans	0.0000%	3,952
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	80.3140%	1,406
Assets per employee ($millions)	9.8704%	311
Cash dividends to net income (ytd only)*	0.0000%	3,760
Condition Ratios (%)
Loss allowance to loans	1.1824%	3,355
Loan loss allowance to noncurrent loans	102.6455%	3,562
Noncurrent assets plus other real estate owned to assets	0.6383%	2,988
Noncurrent loans to loans	1.1519%	1,945
Net loans and leases to total assets	54.7527%	4,426
Net loans and leases to deposits	71.0193%	3,887
Net loans and leases to core deposits	76.5619%	3,784
Total domestic deposits to total assets	77.0955%	5,067
Equity capital to assets	22.3597%	153
Core capital (leverage) ratio	21.1844%	162
Tier 1 risk-based capital ratio	56.9501%	98
Total risk-based capital ratio	59.6301%	91
Memoranda:
Average total assets	$90,098,500	4,581
Average earning assets	$79,975,250	4,624
Average equity	$19,766,500	3,216
Average total loans	$48,649,750	4,655
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3082%	5,278
Cost of funding earning assets	0.6095%	1,252
Net interest margin	2.6988%	5,571
Noninterest income to average assets	0.0398%	5,935
Noninterest expense to average assets	1.9333%	5,400
Loan and lease loss provision to assets	0.0000%	4,017
Net operating income to assets	0.3226%	5,256
Return on assets (ROA)	0.3226%	5,339
Pretax return on assets	0.4839%	5,166
Return on Equity (ROE)	1.4797%	5,615
Retained earnings to average equity (ytd only)	1.4797%	4,787
Net charge-offs to loans	0.0000%	3,689
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	79.9817%	1,495
Assets per employee ($millions)	10.0463%	279
Cash dividends to net income (ytd only)*	0.0000%	3,619
Condition Ratios (%)
Loss allowance to loans	1.1812%	3,456
Loan loss allowance to noncurrent loans	101.7483%	3,670
Noncurrent assets plus other real estate owned to assets	0.6326%	3,104
Noncurrent loans to loans	1.1609%	1,976
Net loans and leases to total assets	53.8494%	4,525
Net loans and leases to deposits	69.4426%	4,038
Net loans and leases to core deposits	75.2674%	3,886
Total domestic deposits to total assets	77.5452%	5,078
Equity capital to assets	21.9417%	155
Core capital (leverage) ratio	20.8696%	164
Tier 1 risk-based capital ratio	57.1925%	101
Total risk-based capital ratio	59.9033%	93
Memoranda:
Average total assets	$90,520,000	4,610
Average earning assets	$79,740,330	4,667
Average equity	$19,734,330	3,227
Average total loans	$48,459,330	4,697
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3419%	5,239
Cost of funding earning assets	0.6108%	1,265
Net interest margin	2.7311%	5,571
Noninterest income to average assets	0.0353%	6,009
Noninterest expense to average assets	1.9962%	5,350
Loan and lease loss provision to assets	0.0000%	3,656
Net operating income to assets	0.3003%	5,304
Return on assets (ROA)	0.3003%	5,384
Pretax return on assets	0.4284%	5,249
Return on Equity (ROE)	1.3820%	5,633
Retained earnings to average equity (ytd only)	1.3820%	4,706
Net charge-offs to loans	0.0000%	3,094
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	82.3315%	1,342
Assets per employee ($millions)	10.0642%	268
Cash dividends to net income (ytd only)*	0.0000%	2,863
Condition Ratios (%)
Loss allowance to loans	1.2178%	3,376
Loan loss allowance to noncurrent loans	78.5425%	4,117
Noncurrent assets plus other real estate owned to assets	0.8181%	2,645
Noncurrent loans to loans	1.5505%	1,505
Net loans and leases to total assets	52.1186%	4,619
Net loans and leases to deposits	67.0540%	4,149
Net loans and leases to core deposits	72.6299%	4,017
Total domestic deposits to total assets	77.7264%	5,191
Equity capital to assets	21.7890%	156
Core capital (leverage) ratio	20.7687%	170
Tier 1 risk-based capital ratio	49.0309%	138
Total risk-based capital ratio	51.4686%	130
Memoranda:
Average total assets	$90,571,500	4,648
Average earning assets	$79,236,500	4,724
Average equity	$19,682,000	3,236
Average total loans	$48,053,500	4,736
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2743%	5,390
Cost of funding earning assets	0.5937%	1,407
Net interest margin	2.6806%	5,669
Noninterest income to average assets	0.0337%	6,039
Noninterest expense to average assets	1.9993%	5,458
Loan and lease loss provision to assets	0.0000%	4,380
Net operating income to assets	0.3163%	5,315
Return on assets (ROA)	0.2954%	5,452
Pretax return on assets	0.4616%	5,196
Return on Equity (ROE)	1.3408%	5,712
Retained earnings to average equity (ytd only)	1.3408%	4,961
Net charge-offs to loans	0.0000%	4,462
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	80.1802%	1,650
Assets per employee ($millions)	10.0628%	269
Cash dividends to net income (ytd only)*	0.0000%	4,258
Condition Ratios (%)
Loss allowance to loans	1.2045%	3,456
Loan loss allowance to noncurrent loans	90.5132%	3,891
Noncurrent assets plus other real estate owned to assets	0.7100%	2,924
Noncurrent loans to loans	1.3308%	1,771
Net loans and leases to total assets	52.7080%	4,635
Net loans and leases to deposits	67.6891%	4,154
Net loans and leases to core deposits	73.7118%	3,966
Total domestic deposits to total assets	77.8678%	5,193
Equity capital to assets	21.6728%	156
Core capital (leverage) ratio	20.8598%	164
Tier 1 risk-based capital ratio	56.0885%	101
Total risk-based capital ratio	58.7408%	93
Memoranda:
Average total assets	$89,029,800	4,694
Average earning assets	$81,697,400	4,680
Average equity	$19,615,600	3,212
Average total loans	$48,333,200	4,719
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2527%	5,501
Cost of funding earning assets	0.5867%	1,482
Net interest margin	2.6660%	5,763
Noninterest income to average assets	0.0346%	6,134
Noninterest expense to average assets	1.9764%	5,525
Loan and lease loss provision to assets	0.0000%	4,232
Net operating income to assets	0.3515%	5,310
Return on assets (ROA)	0.3565%	5,384
Pretax return on assets	0.5400%	5,128
Return on Equity (ROE)	1.6112%	5,753
Retained earnings to average equity (ytd only)	1.6112%	5,061
Net charge-offs to loans	0.0000%	4,182
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	78.7770%	1,845
Assets per employee ($millions)	9.9286%	279
Cash dividends to net income (ytd only)*	0.0000%	3,801
Condition Ratios (%)
Loss allowance to loans	1.1954%	3,685
Loan loss allowance to noncurrent loans	85.2123%	4,042
Noncurrent assets plus other real estate owned to assets	0.7643%	2,994
Noncurrent loans to loans	1.4029%	1,812
Net loans and leases to total assets	53.8324%	4,580
Net loans and leases to deposits	69.4989%	4,041
Net loans and leases to core deposits	75.4865%	3,859
Total domestic deposits to total assets	77.4578%	5,273
Equity capital to assets	21.9916%	158
Core capital (leverage) ratio	21.1835%	168
Tier 1 risk-based capital ratio	45.5803%	176
Total risk-based capital ratio	46.8319%	172
Memoranda:
Average total assets	$88,646,000	4,757
Average earning assets	$82,268,500	4,731
Average equity	$19,612,500	3,241
Average total loans	$48,337,250	4,775
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2492%	5,537
Cost of funding earning assets	0.5854%	1,525
Net interest margin	2.6638%	5,807
Noninterest income to average assets	0.0362%	6,205
Noninterest expense to average assets	1.9455%	5,642
Loan and lease loss provision to assets	0.0000%	4,069
Net operating income to assets	0.3733%	5,227
Return on assets (ROA)	0.3733%	5,341
Pretax return on assets	0.5610%	5,070
Return on Equity (ROE)	1.6837%	5,760
Retained earnings to average equity (ytd only)	1.6837%	4,854
Net charge-offs to loans	0.0000%	3,893
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.6173%	2,121
Assets per employee ($millions)	9.7849%	281
Cash dividends to net income (ytd only)*	0.0000%	3,641
Condition Ratios (%)
Loss allowance to loans	1.2057%	3,758
Loan loss allowance to noncurrent loans	131.0811%	3,086
Noncurrent assets plus other real estate owned to assets	0.5042%	3,932
Noncurrent loans to loans	0.9198%	2,829
Net loans and leases to total assets	54.1538%	4,536
Net loans and leases to deposits	70.1633%	3,913
Net loans and leases to core deposits	76.6228%	3,704
Total domestic deposits to total assets	77.1825%	5,430
Equity capital to assets	22.2883%	144
Core capital (leverage) ratio	21.1973%	159
Tier 1 risk-based capital ratio	44.4553%	204
Total risk-based capital ratio	46.8421%	186
Memoranda:
Average total assets	$88,409,000	4,806
Average earning assets	$81,989,670	4,777
Average equity	$19,599,670	3,262
Average total loans	$48,221,330	4,815
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3074%	5,435
Cost of funding earning assets	0.5978%	1,452
Net interest margin	2.7096%	5,782
Noninterest income to average assets	0.0361%	6,264
Noninterest expense to average assets	1.8830%	5,787
Loan and lease loss provision to assets	0.0000%	3,703
Net operating income to assets	0.4425%	4,904
Return on assets (ROA)	0.4425%	5,023
Pretax return on assets	0.6502%	4,765
Return on Equity (ROE)	2.0015%	5,689
Retained earnings to average equity (ytd only)	2.0015%	4,675
Net charge-offs to loans	0.0000%	3,288
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	74.3316%	2,764
Assets per employee ($millions)	9.8357%	268
Cash dividends to net income (ytd only)*	0.0000%	2,870
Condition Ratios (%)
Loss allowance to loans	1.2053%	3,955
Loan loss allowance to noncurrent loans	106.5934%	3,535
Noncurrent assets plus other real estate owned to assets	0.6168%	3,639
Noncurrent loans to loans	1.1307%	2,512
Net loans and leases to total assets	53.8912%	4,458
Net loans and leases to deposits	69.7788%	3,771
Net loans and leases to core deposits	75.8510%	3,613
Total domestic deposits to total assets	77.2314%	5,575
Equity capital to assets	22.1631%	149
Core capital (leverage) ratio	20.8757%	174
Tier 1 risk-based capital ratio	43.3478%	215
Total risk-based capital ratio	45.7209%	203
Memoranda:
Average total assets	$88,581,500	4,848
Average earning assets	$81,635,500	4,826
Average equity	$19,585,500	3,277
Average total loans	$48,196,000	4,838
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5700%	5,167
Cost of funding earning assets	0.6455%	1,440
Net interest margin	2.9246%	5,593
Noninterest income to average assets	0.0406%	6,313
Noninterest expense to average assets	2.0051%	5,753
Loan and lease loss provision to assets	0.0000%	4,603
Net operating income to assets	0.3862%	5,263
Return on assets (ROA)	0.3408%	5,471
Pretax return on assets	0.4502%	5,385
Return on Equity (ROE)	1.5570%	5,878
Retained earnings to average equity (ytd only)	1.5570%	5,052
Net charge-offs to loans	0.0000%	4,970
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	79.7218%	1,975
Assets per employee ($millions)	8.0584%	527
Cash dividends to net income (ytd only)*	0.0000%	4,317
Condition Ratios (%)
Loss allowance to loans	1.2099%	3,940
Loan loss allowance to noncurrent loans	161.2188%	2,651
Noncurrent assets plus other real estate owned to assets	0.4073%	4,464
Noncurrent loans to loans	0.7504%	3,450
Net loans and leases to total assets	53.6123%	4,620
Net loans and leases to deposits	69.3281%	3,993
Net loans and leases to core deposits	76.5611%	3,649
Total domestic deposits to total assets	77.3313%	5,547
Equity capital to assets	22.0573%	151
Core capital (leverage) ratio	20.7276%	184
Tier 1 risk-based capital ratio	54.8476%	111
Total risk-based capital ratio	57.6232%	107
Memoranda:
Average total assets	$88,622,000	4,874
Average earning assets	$74,985,000	5,019
Average equity	$19,395,800	3,230
Average total loans	$47,817,800	4,888
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6299%	5,067
Cost of funding earning assets	0.6506%	1,454
Net interest margin	2.9793%	5,547
Noninterest income to average assets	0.0421%	6,401
Noninterest expense to average assets	1.9604%	5,841
Loan and lease loss provision to assets	0.0000%	4,401
Net operating income to assets	0.4258%	5,154
Return on assets (ROA)	0.4258%	5,232
Pretax return on assets	0.5552%	5,166
Return on Equity (ROE)	1.9493%	5,857
Retained earnings to average equity (ytd only)	1.9493%	5,084
Net charge-offs to loans	0.0028%	4,608
Credit loss provision to net charge-offs	0.0000%	3,801
Earnings coverage of net charge-offs (x)	369.9173%	195
Efficiency ratio	77.9306%	2,187
Assets per employee ($millions)	8.1594%	484
Cash dividends to net income (ytd only)*	0.0000%	3,806
Condition Ratios (%)
Loss allowance to loans	1.2294%	4,075
Loan loss allowance to noncurrent loans	215.9851%	2,029
Noncurrent assets plus other real estate owned to assets	0.2997%	5,061
Noncurrent loans to loans	0.5692%	4,214
Net loans and leases to total assets	52.0083%	4,808
Net loans and leases to deposits	66.9175%	4,240
Net loans and leases to core deposits	73.7821%	3,960
Total domestic deposits to total assets	77.7200%	5,582
Equity capital to assets	21.6895%	165
Core capital (leverage) ratio	20.8042%	180
Tier 1 risk-based capital ratio	54.8710%	112
Total risk-based capital ratio	57.4755%	103
Memoranda:
Average total assets	$88,617,000	4,926
Average earning assets	$73,571,500	5,113
Average equity	$19,356,750	3,244
Average total loans	$47,746,000	4,941
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6966%	4,871
Cost of funding earning assets	0.6553%	1,469
Net interest margin	3.0414%	5,414
Noninterest income to average assets	0.0408%	6,465
Noninterest expense to average assets	1.9357%	5,937
Loan and lease loss provision to assets	0.0000%	4,196
Net operating income to assets	0.4420%	5,050
Return on assets (ROA)	0.4420%	5,126
Pretax return on assets	0.5984%	4,961
Return on Equity (ROE)	2.0186%	5,833
Retained earnings to average equity (ytd only)	2.0186%	4,878
Net charge-offs to loans	0.0042%	4,240
Credit loss provision to net charge-offs	0.0000%	3,401
Earnings coverage of net charge-offs (x)	264.0000%	257
Efficiency ratio	76.3864%	2,557
Assets per employee ($millions)	7.3444%	682
Cash dividends to net income (ytd only)*	0.0000%	3,638
Condition Ratios (%)
Loss allowance to loans	1.2144%	4,360
Loan loss allowance to noncurrent loans	213.6029%	2,005
Noncurrent assets plus other real estate owned to assets	0.3086%	5,133
Noncurrent loans to loans	0.5685%	4,313
Net loans and leases to total assets	53.6269%	4,585
Net loans and leases to deposits	69.3667%	3,900
Net loans and leases to core deposits	76.3279%	3,596
Total domestic deposits to total assets	77.3093%	5,758
Equity capital to assets	22.0746%	147
Core capital (leverage) ratio	20.8863%	169
Tier 1 risk-based capital ratio	53.0930%	117
Total risk-based capital ratio	55.7174%	108
Memoranda:
Average total assets	$88,238,330	4,969
Average earning assets	$72,336,000	5,173
Average equity	$19,320,000	3,236
Average total loans	$47,908,000	4,967
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7539%	4,654
Cost of funding earning assets	0.6490%	1,586
Net interest margin	3.1050%	5,233
Noninterest income to average assets	0.0408%	6,507
Noninterest expense to average assets	1.9028%	6,059
Loan and lease loss provision to assets	0.0000%	3,817
Net operating income to assets	0.4395%	4,979
Return on assets (ROA)	0.4395%	5,037
Pretax return on assets	0.6524%	4,656
Return on Equity (ROE)	2.0153%	5,780
Retained earnings to average equity (ytd only)	2.0153%	4,800
Net charge-offs to loans	0.0083%	3,463
Credit loss provision to net charge-offs	0.0000%	2,688
Earnings coverage of net charge-offs (x)	144.0000%	342
Efficiency ratio	74.4681%	3,056
Assets per employee ($millions)	8.0447%	470
Cash dividends to net income (ytd only)*	0.0000%	2,852
Condition Ratios (%)
Loss allowance to loans	1.2241%	4,524
Loan loss allowance to noncurrent loans	212.0438%	1,995
Noncurrent assets plus other real estate owned to assets	0.3096%	5,224
Noncurrent loans to loans	0.5773%	4,432
Net loans and leases to total assets	52.9811%	4,545
Net loans and leases to deposits	68.3959%	3,818
Net loans and leases to core deposits	74.8300%	3,552
Total domestic deposits to total assets	77.4624%	5,904
Equity capital to assets	21.8517%	149
Core capital (leverage) ratio	21.0391%	160
Tier 1 risk-based capital ratio	51.9475%	119
Total risk-based capital ratio	54.5119%	117
Memoranda:
Average total assets	$88,291,000	5,010
Average earning assets	$71,498,500	5,242
Average equity	$19,252,500	3,252
Average total loans	$47,940,000	5,011
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7565%	4,955
Cost of funding earning assets	0.6850%	1,917
Net interest margin	3.0715%	5,398
Noninterest income to average assets	0.0388%	6,578
Noninterest expense to average assets	1.8441%	6,261
Loan and lease loss provision to assets	0.0000%	5,091
Net operating income to assets	0.4561%	4,928
Return on assets (ROA)	0.4108%	5,224
Pretax return on assets	0.6927%	4,571
Return on Equity (ROE)	1.8857%	5,881
Retained earnings to average equity (ytd only)	1.8857%	4,895
Net charge-offs to loans	0.0000%	5,475
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.7221%	3,717
Assets per employee ($millions)	8.0082%	471
Cash dividends to net income (ytd only)*	0.0000%	4,285
Condition Ratios (%)
Loss allowance to loans	1.2021%	4,646
Loan loss allowance to noncurrent loans	210.8696%	2,005
Noncurrent assets plus other real estate owned to assets	0.3133%	5,319
Noncurrent loans to loans	0.5701%	4,563
Net loans and leases to total assets	54.3001%	4,548
Net loans and leases to deposits	69.9845%	3,788
Net loans and leases to core deposits	75.4392%	3,674
Total domestic deposits to total assets	77.5888%	5,888
Equity capital to assets	21.7596%	149
Core capital (leverage) ratio	20.9960%	159
Tier 1 risk-based capital ratio	50.6338%	129
Total risk-based capital ratio	53.0468%	121
Memoranda:
Average total assets	$87,630,600	5,034
Average earning assets	$73,286,600	5,217
Average equity	$19,091,200	3,266
Average total loans	$47,510,000	5,049
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7688%	4,968
Cost of funding earning assets	0.6921%	2,004
Net interest margin	3.0766%	5,384
Noninterest income to average assets	0.0381%	6,661
Noninterest expense to average assets	1.7794%	6,370
Loan and lease loss provision to assets	0.0000%	4,941
Net operating income to assets	0.5007%	4,789
Return on assets (ROA)	0.4403%	5,215
Pretax return on assets	0.7511%	4,486
Return on Equity (ROE)	2.0203%	5,930
Retained earnings to average equity (ytd only)	2.0203%	5,120
Net charge-offs to loans	0.0000%	5,212
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.7887%	4,134
Assets per employee ($millions)	7.8389%	494
Cash dividends to net income (ytd only)*	0.0000%	3,738
Condition Ratios (%)
Loss allowance to loans	1.2057%	4,835
Loan loss allowance to noncurrent loans	207.1174%	1,926
Noncurrent assets plus other real estate owned to assets	0.3259%	5,429
Noncurrent loans to loans	0.5821%	4,747
Net loans and leases to total assets	55.3057%	4,415
Net loans and leases to deposits	71.6751%	3,552
Net loans and leases to core deposits	77.7656%	3,389
Total domestic deposits to total assets	77.1617%	6,028
Equity capital to assets	22.1575%	140
Core capital (leverage) ratio	21.0197%	161
Tier 1 risk-based capital ratio	50.9978%	129
Total risk-based capital ratio	53.3391%	121
Memoranda:
Average total assets	$87,515,750	5,088
Average earning assets	$73,585,500	5,252
Average equity	$19,072,000	3,304
Average total loans	$47,283,750	5,099
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7568%	4,970
Cost of funding earning assets	0.7102%	2,004
Net interest margin	3.0467%	5,440
Noninterest income to average assets	0.0387%	6,700
Noninterest expense to average assets	1.6851%	6,512
Loan and lease loss provision to assets	0.0000%	4,788
Net operating income to assets	0.5374%	4,624
Return on assets (ROA)	0.4457%	5,205
Pretax return on assets	0.7664%	4,441
Return on Equity (ROE)	2.0566%	5,938
Retained earnings to average equity (ytd only)	2.0566%	4,970
Net charge-offs to loans	0.0000%	4,909
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	64.9430%	4,715
Assets per employee ($millions)	7.8965%	477
Cash dividends to net income (ytd only)*	0.0000%	3,522
Condition Ratios (%)
Loss allowance to loans	1.2393%	4,784
Loan loss allowance to noncurrent loans	101.5707%	3,414
Noncurrent assets plus other real estate owned to assets	0.6597%	4,577
Noncurrent loans to loans	1.2202%	3,515
Net loans and leases to total assets	53.3945%	4,677
Net loans and leases to deposits	68.9476%	3,865
Net loans and leases to core deposits	75.1101%	3,659
Total domestic deposits to total assets	77.4421%	6,069
Equity capital to assets	21.9224%	143
Core capital (leverage) ratio	20.5836%	164
Tier 1 risk-based capital ratio	52.0667%	118
Total risk-based capital ratio	54.4204%	112
Memoranda:
Average total assets	$87,945,000	5,113
Average earning assets	$73,785,670	5,286
Average equity	$19,060,670	3,324
Average total loans	$46,954,670	5,138
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7882%	4,862
Cost of funding earning assets	0.7147%	2,098
Net interest margin	3.0735%	5,356
Noninterest income to average assets	0.0362%	6,778
Noninterest expense to average assets	1.7811%	6,460
Loan and lease loss provision to assets	0.0000%	4,409
Net operating income to assets	0.4656%	4,848
Return on assets (ROA)	0.4656%	5,009
Pretax return on assets	0.8408%	3,996
Return on Equity (ROE)	2.1605%	5,884
Retained earnings to average equity (ytd only)	2.1605%	4,920
Net charge-offs to loans	0.0000%	4,145
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.9310%	4,323
Assets per employee ($millions)	8.1101%	468
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	1.2517%	4,932
Loan loss allowance to noncurrent loans	101.3937%	3,318
Noncurrent assets plus other real estate owned to assets	0.6434%	4,767
Noncurrent loans to loans	1.2345%	3,711
Net loans and leases to total assets	51.4656%	4,776
Net loans and leases to deposits	66.1028%	4,040
Net loans and leases to core deposits	71.3367%	3,908
Total domestic deposits to total assets	77.8570%	6,131
Equity capital to assets	21.4435%	164
Core capital (leverage) ratio	20.4689%	173
Tier 1 risk-based capital ratio	52.1869%	122
Total risk-based capital ratio	54.4857%	119
Memoranda:
Average total assets	$88,487,000	5,139
Average earning assets	$74,442,000	5,308
Average equity	$19,070,000	3,367
Average total loans	$46,951,500	5,172
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9438%	5,461
Cost of funding earning assets	0.8116%	2,574
Net interest margin	3.1322%	5,736
Noninterest income to average assets	0.0362%	6,734
Noninterest expense to average assets	1.9222%	6,466
Loan and lease loss provision to assets	0.0000%	5,905
Net operating income to assets	0.5232%	4,585
Return on assets (ROA)	0.5232%	4,855
Pretax return on assets	0.8136%	4,243
Return on Equity (ROE)	2.4720%	5,758
Retained earnings to average equity (ytd only)	2.4720%	4,493
Net charge-offs to loans	0.0000%	5,985
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.2602%	3,759
Assets per employee ($millions)	7.9785%	504
Cash dividends to net income (ytd only)*	0.0000%	4,298
Condition Ratios (%)
Loss allowance to loans	1.2276%	4,987
Loan loss allowance to noncurrent loans	101.0417%	3,307
Noncurrent assets plus other real estate owned to assets	0.6563%	4,832
Noncurrent loans to loans	1.2150%	3,820
Net loans and leases to total assets	53.3551%	4,708
Net loans and leases to deposits	68.6669%	3,878
Net loans and leases to core deposits	75.0778%	3,649
Total domestic deposits to total assets	77.7013%	6,125
Equity capital to assets	21.6606%	163
Core capital (leverage) ratio	20.2179%	186
Tier 1 risk-based capital ratio	50.6928%	136
Total risk-based capital ratio	52.8166%	134
Memoranda:
Average total assets	$88,494,200	5,125
Average earning assets	$76,272,000	5,233
Average equity	$18,729,600	3,372
Average total loans	$47,712,400	5,190
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9677%	5,610
Cost of funding earning assets	0.8323%	2,689
Net interest margin	3.1354%	5,849
Noninterest income to average assets	0.0346%	6,853
Noninterest expense to average assets	1.9426%	6,455
Loan and lease loss provision to assets	0.0000%	5,790
Net operating income to assets	0.5232%	4,743
Return on assets (ROA)	0.5232%	5,007
Pretax return on assets	0.7939%	4,508
Return on Equity (ROE)	2.4866%	5,884
Retained earnings to average equity (ytd only)	2.4866%	5,084
Net charge-offs to loans	0.0000%	5,771
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.9890%	3,507
Assets per employee ($millions)	8.1463%	454
Cash dividends to net income (ytd only)*	0.0000%	3,713
Condition Ratios (%)
Loss allowance to loans	1.2133%	5,229
Loan loss allowance to noncurrent loans	99.6575%	3,242
Noncurrent assets plus other real estate owned to assets	0.6517%	5,050
Noncurrent loans to loans	1.2174%	4,017
Net loans and leases to total assets	52.8831%	4,932
Net loans and leases to deposits	67.7146%	4,225
Net loans and leases to core deposits	74.4872%	3,914
Total domestic deposits to total assets	78.0971%	6,055
Equity capital to assets	21.1285%	198
Core capital (leverage) ratio	19.9555%	208
Tier 1 risk-based capital ratio	49.6335%	143
Total risk-based capital ratio	51.7430%	139
Memoranda:
Average total assets	$88,677,000	5,179
Average earning assets	$76,415,000	5,283
Average equity	$18,659,500	3,409
Average total loans	$47,788,500	5,242
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9890%	5,676
Cost of funding earning assets	0.8456%	2,830
Net interest margin	3.1434%	5,880
Noninterest income to average assets	0.0339%	6,912
Noninterest expense to average assets	1.9827%	6,467
Loan and lease loss provision to assets	0.0000%	5,619
Net operating income to assets	0.5002%	4,820
Return on assets (ROA)	0.5002%	5,076
Pretax return on assets	0.7605%	4,605
Return on Equity (ROE)	2.3804%	5,921
Retained earnings to average equity (ytd only)	2.3804%	5,004
Net charge-offs to loans	0.0000%	5,507
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.2772%	3,377
Assets per employee ($millions)	8.0338%	464
Cash dividends to net income (ytd only)*	0.0000%	3,523
Condition Ratios (%)
Loss allowance to loans	1.2076%	5,323
Loan loss allowance to noncurrent loans	108.9888%	2,975
Noncurrent assets plus other real estate owned to assets	0.6043%	5,258
Noncurrent loans to loans	1.1080%	4,308
Net loans and leases to total assets	53.8779%	4,820
Net loans and leases to deposits	68.9644%	4,041
Net loans and leases to core deposits	74.8950%	3,903
Total domestic deposits to total assets	78.1243%	6,137
Equity capital to assets	21.1719%	195
Core capital (leverage) ratio	19.9465%	209
Tier 1 risk-based capital ratio	48.3741%	142
Total risk-based capital ratio	50.3845%	134
Memoranda:
Average total assets	$88,366,330	5,217
Average earning assets	$76,160,330	5,320
Average equity	$18,568,330	3,414
Average total loans	$47,728,000	5,274
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0687%	5,551
Cost of funding earning assets	0.8764%	2,857
Net interest margin	3.1923%	5,801
Noninterest income to average assets	0.0362%	6,985
Noninterest expense to average assets	2.0416%	6,388
Loan and lease loss provision to assets	0.0000%	5,254
Net operating income to assets	0.4391%	5,089
Return on assets (ROA)	0.4391%	5,281
Pretax return on assets	0.7152%	4,742
Return on Equity (ROE)	2.0976%	6,047
Retained earnings to average equity (ytd only)	2.0976%	5,224
Net charge-offs to loans	0.0000%	4,730
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	74.0558%	3,093
Assets per employee ($millions)	8.0154%	473
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	1.2444%	5,284
Loan loss allowance to noncurrent loans	108.5821%	2,848
Noncurrent assets plus other real estate owned to assets	0.6079%	5,371
Noncurrent loans to loans	1.1460%	4,420
Net loans and leases to total assets	52.3869%	4,962
Net loans and leases to deposits	67.0582%	4,221
Net loans and leases to core deposits	72.8166%	4,043
Total domestic deposits to total assets	78.1216%	6,247
Equity capital to assets	21.0573%	179
Core capital (leverage) ratio	19.9119%	211
Tier 1 risk-based capital ratio	49.5060%	131
Total risk-based capital ratio	51.6320%	127
Memoranda:
Average total assets	$88,363,500	5,261
Average earning assets	$75,307,000	5,388
Average equity	$18,497,500	3,425
Average total loans	$47,494,500	5,317
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0684%	6,323
Cost of funding earning assets	0.9912%	3,440
Net interest margin	3.0771%	6,392
Noninterest income to average assets	0.0704%	6,751
Noninterest expense to average assets	2.0769%	6,537
Loan and lease loss provision to assets	0.0000%	6,496
Net operating income to assets	0.4460%	4,665
Return on assets (ROA)	0.4460%	4,869
Pretax return on assets	0.7869%	4,025
Return on Equity (ROE)	2.2146%	5,578
Retained earnings to average equity (ytd only)	2.2146%	4,638
Net charge-offs to loans	0.0000%	6,441
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.5215%	3,475
Assets per employee ($millions)	8.0507%	462
Cash dividends to net income (ytd only)*	0.0000%	4,078
Condition Ratios (%)
Loss allowance to loans	1.2070%	5,354
Loan loss allowance to noncurrent loans	108.1784%	2,852
Noncurrent assets plus other real estate owned to assets	0.6075%	5,445
Noncurrent loans to loans	1.1158%	4,487
Net loans and leases to total assets	53.7907%	5,070
Net loans and leases to deposits	68.5647%	4,352
Net loans and leases to core deposits	74.3685%	4,190
Total domestic deposits to total assets	78.4525%	6,102
Equity capital to assets	20.8101%	192
Core capital (leverage) ratio	19.5433%	216
Tier 1 risk-based capital ratio	48.4808%	142
Total risk-based capital ratio	50.4404%	137
Memoranda:
Average total assets	$89,459,800	5,199
Average earning assets	$81,212,200	5,196
Average equity	$18,016,600	3,421
Average total loans	$48,927,200	5,305
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0336%	6,534
Cost of funding earning assets	1.0112%	3,602
Net interest margin	3.0224%	6,539
Noninterest income to average assets	0.0357%	6,998
Noninterest expense to average assets	2.0456%	6,602
Loan and lease loss provision to assets	0.0000%	6,393
Net operating income to assets	0.4326%	4,848
Return on assets (ROA)	0.4326%	5,041
Pretax return on assets	0.7716%	4,236
Return on Equity (ROE)	2.1659%	5,717
Retained earnings to average equity (ytd only)	2.1659%	5,043
Net charge-offs to loans	0.0000%	6,185
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.6121%	3,437
Assets per employee ($millions)	8.1429%	448
Cash dividends to net income (ytd only)*	0.0000%	3,512
Condition Ratios (%)
Loss allowance to loans	1.1907%	5,511
Loan loss allowance to noncurrent loans	107.5786%	2,785
Noncurrent assets plus other real estate owned to assets	0.6040%	5,613
Noncurrent loans to loans	1.1068%	4,707
Net loans and leases to total assets	53.9209%	5,171
Net loans and leases to deposits	68.3130%	4,550
Net loans and leases to core deposits	73.4805%	4,532
Total domestic deposits to total assets	78.9320%	6,001
Equity capital to assets	20.3624%	231
Core capital (leverage) ratio	19.4771%	244
Tier 1 risk-based capital ratio	38.9376%	270
Total risk-based capital ratio	40.6948%	258
Memoranda:
Average total assets	$89,685,250	5,228
Average earning assets	$82,538,250	5,201
Average equity	$17,913,500	3,436
Average total loans	$49,104,500	5,342
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0297%	6,614
Cost of funding earning assets	1.0279%	3,753
Net interest margin	3.0018%	6,605
Noninterest income to average assets	0.0334%	7,107
Noninterest expense to average assets	2.0441%	6,701
Loan and lease loss provision to assets	0.0000%	6,217
Net operating income to assets	0.4213%	4,851
Return on assets (ROA)	0.4213%	5,003
Pretax return on assets	0.7623%	4,170
Return on Equity (ROE)	2.1230%	5,750
Retained earnings to average equity (ytd only)	2.1230%	4,928
Net charge-offs to loans	0.0000%	5,875
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.8356%	3,578
Assets per employee ($millions)	7.4183%	595
Cash dividends to net income (ytd only)*	0.0000%	3,290
Condition Ratios (%)
Loss allowance to loans	1.1753%	5,648
Loan loss allowance to noncurrent loans	195.9596%	1,551
Noncurrent assets plus other real estate owned to assets	0.3336%	6,290
Noncurrent loans to loans	0.5998%	5,717
Net loans and leases to total assets	54.9748%	5,153
Net loans and leases to deposits	69.3851%	4,513
Net loans and leases to core deposits	74.8539%	4,462
Total domestic deposits to total assets	79.2314%	6,026
Equity capital to assets	20.1665%	251
Core capital (leverage) ratio	19.2943%	256
Tier 1 risk-based capital ratio	38.1822%	275
Total risk-based capital ratio	40.0667%	254
Memoranda:
Average total assets	$89,723,000	5,263
Average earning assets	$82,884,330	5,237
Average equity	$17,805,000	3,451
Average total loans	$49,179,330	5,390
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0135%	6,671
Cost of funding earning assets	1.0428%	3,903
Net interest margin	2.9706%	6,632
Noninterest income to average assets	0.0355%	7,197
Noninterest expense to average assets	2.0250%	6,790
Loan and lease loss provision to assets	0.0000%	5,840
Net operating income to assets	0.4352%	4,782
Return on assets (ROA)	0.4352%	4,863
Pretax return on assets	0.7682%	4,025
Return on Equity (ROE)	2.2108%	5,713
Retained earnings to average equity (ytd only)	2.2108%	4,818
Net charge-offs to loans	0.0000%	5,107
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.4960%	3,770
Assets per employee ($millions)	8.0815%	453
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	1.1741%	5,751
Loan loss allowance to noncurrent loans	199.3151%	1,486
Noncurrent assets plus other real estate owned to assets	0.3285%	6,376
Noncurrent loans to loans	0.5891%	5,851
Net loans and leases to total assets	55.1053%	5,141
Net loans and leases to deposits	69.2552%	4,480
Net loans and leases to core deposits	74.6651%	4,466
Total domestic deposits to total assets	79.5685%	6,044
Equity capital to assets	19.9816%	262
Core capital (leverage) ratio	19.0616%	268
Tier 1 risk-based capital ratio	37.5808%	287
Total risk-based capital ratio	39.4894%	262
Memoranda:
Average total assets	$90,075,000	5,289
Average earning assets	$83,618,500	5,246
Average equity	$17,731,500	3,444
Average total loans	$49,009,000	5,442
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0274%	7,112
Cost of funding earning assets	1.2128%	4,472
Net interest margin	2.8147%	7,012
Noninterest income to average assets	0.0673%	7,033
Noninterest expense to average assets	1.8806%	7,188
Loan and lease loss provision to assets	0.0000%	7,042
Net operating income to assets	0.4242%	4,438
Return on assets (ROA)	0.0860%	5,758
Pretax return on assets	0.2515%	5,352
Return on Equity (ROE)	0.4443%	5,840
Retained earnings to average equity (ytd only)	0.4443%	5,354
Net charge-offs to loans	0.0000%	6,850
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.6882%	4,039
Assets per employee ($millions)	8.2957%	432
Cash dividends to net income (ytd only)*	0.0000%	3,950
Condition Ratios (%)
Loss allowance to loans	1.2013%	5,505
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,281
Noncurrent loans to loans	0.0000%	7,175
Net loans and leases to total assets	52.4553%	5,852
Net loans and leases to deposits	65.5237%	5,451
Net loans and leases to core deposits	70.4434%	5,409
Total domestic deposits to total assets	80.0555%	5,821
Equity capital to assets	19.3966%	297
Core capital (leverage) ratio	18.6650%	293
Tier 1 risk-based capital ratio	33.4396%	390
Total risk-based capital ratio	35.1182%	370
Memoranda:
Average total assets	$90,664,800	5,270
Average earning assets	$83,526,800	5,228
Average equity	$17,556,400	3,501
Average total loans	$45,645,400	5,675
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0720%	7,225
Cost of funding earning assets	1.2446%	4,604
Net interest margin	2.8273%	7,098
Noninterest income to average assets	0.0368%	7,337
Noninterest expense to average assets	1.8294%	7,298
Loan and lease loss provision to assets	0.0000%	6,977
Net operating income to assets	0.4471%	4,551
Return on assets (ROA)	-0.0044%	6,136
Pretax return on assets	0.1016%	5,911
Return on Equity (ROE)	-0.0228%	6,134
Retained earnings to average equity (ytd only)	-0.0228%	5,788
Net charge-offs to loans	0.0000%	6,671
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.3855%	4,190
Assets per employee ($millions)	7.6507%	581
Cash dividends to net income (ytd only)*	0.0000%	3,526
Condition Ratios (%)
Loss allowance to loans	1.2428%	5,277
Loan loss allowance to noncurrent loans	1,187.7551%	313
Noncurrent assets plus other real estate owned to assets	0.0534%	7,213
Noncurrent loans to loans	0.1046%	6,976
Net loans and leases to total assets	50.3736%	6,284
Net loans and leases to deposits	62.9048%	6,033
Net loans and leases to core deposits	67.1570%	6,022
Total domestic deposits to total assets	80.0791%	5,679
Equity capital to assets	19.2837%	334
Core capital (leverage) ratio	18.7578%	313
Tier 1 risk-based capital ratio	43.2890%	200
Total risk-based capital ratio	45.2060%	191
Memoranda:
Average total assets	$90,517,750	5,339
Average earning assets	$83,234,000	5,298
Average equity	$17,520,500	3,552
Average total loans	$44,944,500	5,787
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0513%	7,318
Cost of funding earning assets	1.2720%	4,704
Net interest margin	2.7793%	7,172
Noninterest income to average assets	0.0377%	7,396
Noninterest expense to average assets	1.7383%	7,469
Loan and lease loss provision to assets	0.0000%	6,857
Net operating income to assets	0.8703%	2,661
Return on assets (ROA)	-0.1931%	6,397
Pretax return on assets	-0.1931%	6,330
Return on Equity (ROE)	-0.9966%	6,311
Retained earnings to average equity (ytd only)	-0.9966%	5,967
Net charge-offs to loans	0.0000%	6,371
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	66.6383%	4,856
Assets per employee ($millions)	7.6108%	593
Cash dividends to net income (ytd only)*	0.0000%	3,319
Condition Ratios (%)
Loss allowance to loans	1.2653%	5,105
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,438
Noncurrent loans to loans	0.0000%	7,347
Net loans and leases to total assets	49.7252%	6,459
Net loans and leases to deposits	61.9470%	6,241
Net loans and leases to core deposits	66.4404%	6,209
Total domestic deposits to total assets	80.2704%	5,644
Equity capital to assets	19.2609%	326
Core capital (leverage) ratio	18.7637%	306
Tier 1 risk-based capital ratio	32.0950%	423
Total risk-based capital ratio	33.6607%	406
Memoranda:
Average total assets	$90,087,670	5,385
Average earning assets	$83,330,670	5,320
Average equity	$17,459,330	3,554
Average total loans	$44,316,330	5,850
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0503%	7,418
Cost of funding earning assets	1.3275%	4,636
Net interest margin	2.7228%	7,272
Noninterest income to average assets	0.0402%	7,516
Noninterest expense to average assets	1.8733%	7,376
Loan and lease loss provision to assets	0.0000%	6,552
Net operating income to assets	0.3353%	5,142
Return on assets (ROA)	0.3353%	5,264
Pretax return on assets	0.6796%	4,307
Return on Equity (ROE)	1.7248%	5,873
Retained earnings to average equity (ytd only)	1.7248%	5,076
Net charge-offs to loans	0.0000%	5,609
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	73.3800%	3,693
Assets per employee ($millions)	8.1460%	490
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	1.3144%	4,851
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,514
Noncurrent loans to loans	0.0000%	7,426
Net loans and leases to total assets	48.7668%	6,597
Net loans and leases to deposits	60.8099%	6,380
Net loans and leases to core deposits	65.0510%	6,370
Total domestic deposits to total assets	80.1955%	5,719
Equity capital to assets	19.4697%	310
Core capital (leverage) ratio	19.0071%	308
Tier 1 risk-based capital ratio	32.8126%	412
Total risk-based capital ratio	34.0427%	405
Memoranda:
Average total assets	$89,466,500	5,473
Average earning assets	$82,561,000	5,415
Average equity	$17,393,500	3,586
Average total loans	$43,476,500	5,963
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0038%	7,695
Cost of funding earning assets	1.8315%	3,825
Net interest margin	2.1723%	7,658
Noninterest income to average assets	0.0361%	7,568
Noninterest expense to average assets	1.8003%	7,606
Loan and lease loss provision to assets	0.0000%	7,427
Net operating income to assets	0.1803%	4,962
Return on assets (ROA)	0.1803%	5,033
Pretax return on assets	0.2749%	4,832
Return on Equity (ROE)	0.9303%	5,252
Retained earnings to average equity (ytd only)	0.9303%	4,374
Net charge-offs to loans	0.0000%	7,246
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	86.7535%	2,030
Assets per employee ($millions)	7.4439%	664
Cash dividends to net income (ytd only)*	0.0000%	4,015
Condition Ratios (%)
Loss allowance to loans	1.3639%	4,413
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,553
Noncurrent loans to loans	0.0000%	7,460
Net loans and leases to total assets	47.1201%	6,888
Net loans and leases to deposits	58.6708%	6,731
Net loans and leases to core deposits	80.8168%	6,013
Total domestic deposits to total assets	80.3128%	5,582
Equity capital to assets	19.4129%	339
Core capital (leverage) ratio	19.0136%	337
Tier 1 risk-based capital ratio	28.6785%	598
Total risk-based capital ratio	29.7635%	593
Memoranda:
Average total assets	$88,764,000	5,428
Average earning assets	$83,321,800	5,349
Average equity	$17,199,200	3,632
Average total loans	$40,195,200	6,099
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0044%	7,802
Cost of funding earning assets	1.9336%	3,698
Net interest margin	2.0708%	7,784
Noninterest income to average assets	0.0331%	7,718
Noninterest expense to average assets	1.7843%	7,674
Loan and lease loss provision to assets	0.0000%	7,284
Net operating income to assets	0.1098%	5,436
Return on assets (ROA)	0.1098%	5,493
Pretax return on assets	0.2016%	5,301
Return on Equity (ROE)	0.5671%	5,628
Retained earnings to average equity (ytd only)	0.5671%	4,968
Net charge-offs to loans	0.0000%	6,987
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	89.8485%	1,701
Assets per employee ($millions)	7.4389%	650
Cash dividends to net income (ytd only)*	0.0000%	3,688
Condition Ratios (%)
Loss allowance to loans	1.4232%	3,819
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,619
Noncurrent loans to loans	0.0000%	7,541
Net loans and leases to total assets	45.1589%	7,166
Net loans and leases to deposits	56.3182%	7,073
Net loans and leases to core deposits	76.1049%	6,610
Total domestic deposits to total assets	80.1853%	5,370
Equity capital to assets	19.4081%	379
Core capital (leverage) ratio	18.9956%	379
Tier 1 risk-based capital ratio	28.5474%	646
Total risk-based capital ratio	29.6585%	642
Memoranda:
Average total assets	$88,623,250	5,465
Average earning assets	$83,572,500	5,386
Average equity	$17,163,750	3,670
Average total loans	$39,575,750	6,177
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0537%	7,885
Cost of funding earning assets	2.0102%	3,724
Net interest margin	2.0435%	7,837
Noninterest income to average assets	0.0339%	7,818
Noninterest expense to average assets	1.8007%	7,741
Loan and lease loss provision to assets	0.0000%	7,158
Net operating income to assets	0.0995%	5,562
Return on assets (ROA)	0.0995%	5,660
Pretax return on assets	0.1765%	5,523
Return on Equity (ROE)	0.5143%	5,783
Retained earnings to average equity (ytd only)	0.5143%	5,000
Net charge-offs to loans	0.0000%	6,628
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	91.0755%	1,723
Assets per employee ($millions)	7.4477%	629
Cash dividends to net income (ytd only)*	0.0000%	3,532
Condition Ratios (%)
Loss allowance to loans	1.4809%	3,304
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,675
Noncurrent loans to loans	0.0000%	7,580
Net loans and leases to total assets	43.3234%	7,370
Net loans and leases to deposits	53.8033%	7,280
Net loans and leases to core deposits	71.5998%	6,925
Total domestic deposits to total assets	80.5219%	5,268
Equity capital to assets	19.1302%	448
Core capital (leverage) ratio	19.0746%	413
Tier 1 risk-based capital ratio	29.1000%	658
Total risk-based capital ratio	30.1139%	656
Memoranda:
Average total assets	$88,408,670	5,517
Average earning assets	$84,070,330	5,412
Average equity	$17,110,000	3,688
Average total loans	$39,136,330	6,242
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0880%	7,949
Cost of funding earning assets	2.1009%	3,641
Net interest margin	1.9871%	7,902
Noninterest income to average assets	0.0364%	7,895
Noninterest expense to average assets	1.7696%	7,735
Loan and lease loss provision to assets	0.0000%	6,744
Net operating income to assets	0.0910%	6,007
Return on assets (ROA)	0.0910%	6,170
Pretax return on assets	0.1729%	6,005
Return on Equity (ROE)	0.4674%	6,283
Retained earnings to average equity (ytd only)	0.4674%	5,466
Net charge-offs to loans	0.0000%	5,728
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	91.1007%	1,643
Assets per employee ($millions)	7.3938%	653
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	1.5024%	2,974
Loan loss allowance to noncurrent loans	570.5882%	624
Noncurrent assets plus other real estate owned to assets	0.1150%	7,244
Noncurrent loans to loans	0.2633%	6,782
Net loans and leases to total assets	43.0059%	7,410
Net loans and leases to deposits	53.4277%	7,323
Net loans and leases to core deposits	71.2869%	6,944
Total domestic deposits to total assets	80.4937%	5,175
Equity capital to assets	19.2313%	464
Core capital (leverage) ratio	19.0628%	444
Tier 1 risk-based capital ratio	29.6361%	639
Total risk-based capital ratio	30.6743%	641
Memoranda:
Average total assets	$87,927,000	5,554
Average earning assets	$84,345,000	5,417
Average equity	$17,116,500	3,714
Average total loans	$39,054,000	6,275
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5594%	8,017
Cost of funding earning assets	2.5981%	3,694
Net interest margin	1.9613%	8,087
Noninterest income to average assets	0.0577%	7,853
Noninterest expense to average assets	1.7112%	7,855
Loan and lease loss provision to assets	0.0000%	7,334
Net operating income to assets	0.1537%	5,975
Return on assets (ROA)	0.1845%	5,727
Pretax return on assets	0.2705%	5,577
Return on Equity (ROE)	0.9370%	5,939
Retained earnings to average equity (ytd only)	0.9370%	4,668
Net charge-offs to loans	0.0000%	7,039
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	88.3694%	1,646
Assets per employee ($millions)	7.2608%	630
Cash dividends to net income (ytd only)*	0.0000%	4,825
Condition Ratios (%)
Loss allowance to loans	1.4783%	2,795
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,674
Noncurrent loans to loans	0.0000%	7,569
Net loans and leases to total assets	44.5168%	7,434
Net loans and leases to deposits	55.6373%	7,350
Net loans and leases to core deposits	75.2576%	6,902
Total domestic deposits to total assets	80.0124%	5,020
Equity capital to assets	19.7064%	483
Core capital (leverage) ratio	19.5191%	464
Tier 1 risk-based capital ratio	32.2435%	538
Total risk-based capital ratio	33.3923%	529
Memoranda:
Average total assets	$88,358,600	5,407
Average earning assets	$84,638,600	5,284
Average equity	$17,395,600	3,663
Average total loans	$38,082,200	6,268