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Peoples Bank of Wyaconda, Missouri, Performance and Condition Ratios

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2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8066%	2,458
Cost of funding earning assets	1.7122%	1,424
Net interest margin	3.0944%	3,106
Noninterest income to average assets	0.2100%	3,699
Noninterest expense to average assets	2.0488%	3,519
Loan and lease loss provision to assets	0.1100%	1,180
Net operating income to assets	0.7227%	3,125
Return on assets (ROA)	0.7227%	3,103
Pretax return on assets	0.9670%	2,761
Return on Equity (ROE)	8.0600%	3,003
Retained earnings to average equity (ytd only)	1.2302%	3,776
Net charge-offs to loans	0.0012%	2,813
Credit loss provision to net charge-offs	15,000.0000%	28
Earnings coverage of net charge-offs (x)	1,413.0000%	111
Efficiency ratio	65.4439%	2,421
Assets per employee ($millions)	5.2010%	3,474
Cash dividends to net income (ytd only)*	84.7458%	478
Condition Ratios (%)
Loss allowance to loans	1.9447%	421
Loan loss allowance to noncurrent loans	1,330.7087%	733
Noncurrent assets plus other real estate owned to assets	0.2034%	2,206
Noncurrent loans to loans	0.1461%	2,785
Net loans and leases to total assets	63.0200%	2,570
Net loans and leases to deposits	71.3526%	2,795
Net loans and leases to core deposits	76.1249%	2,968
Total domestic deposits to total assets	88.3200%	1,249
Equity capital to assets	9.0108%	2,670
Core capital (leverage) ratio	10.2975%	2,512
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,896
Memoranda:
Average total assets	$130,613,200	3,546
Average earning assets	$123,351,000	3,513
Average equity	$11,705,400	3,556
Average total loans	$82,284,600	3,375
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6880%	2,494
Cost of funding earning assets	1.5641%	1,445
Net interest margin	3.1239%	3,096
Noninterest income to average assets	0.2100%	3,699
Noninterest expense to average assets	1.9269%	3,765
Loan and lease loss provision to assets	0.1200%	978
Net operating income to assets	0.8208%	2,958
Return on assets (ROA)	0.8208%	2,951
Pretax return on assets	1.1195%	2,506
Return on Equity (ROE)	9.1700%	2,883
Retained earnings to average equity (ytd only)	-0.0345%	4,150
Net charge-offs to loans	-0.0049%	3,742
Credit loss provision to net charge-offs	0.0000%	2,098
Earnings coverage of net charge-offs (x)	0.0000%	2,572
Efficiency ratio	60.9248%	2,852
Assets per employee ($millions)	5.1159%	3,507
Cash dividends to net income (ytd only)*	100.3764%	228
Condition Ratios (%)
Loss allowance to loans	1.9787%	403
Loan loss allowance to noncurrent loans	1,506.3636%	648
Noncurrent assets plus other real estate owned to assets	0.2025%	2,256
Noncurrent loans to loans	0.1314%	2,895
Net loans and leases to total assets	64.1800%	2,426
Net loans and leases to deposits	72.8485%	2,658
Net loans and leases to core deposits	79.3115%	2,649
Total domestic deposits to total assets	88.1000%	1,533
Equity capital to assets	9.0917%	2,369
Core capital (leverage) ratio	10.3490%	2,523
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,911
Memoranda:
Average total assets	$129,460,000	3,569
Average earning assets	$122,493,250	3,527
Average equity	$11,585,500	3,567
Average total loans	$81,129,500	3,400
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5383%	2,552
Cost of funding earning assets	1.3729%	1,524
Net interest margin	3.1654%	3,069
Noninterest income to average assets	0.2100%	3,710
Noninterest expense to average assets	1.9249%	3,767
Loan and lease loss provision to assets	0.1200%	954
Net operating income to assets	0.8801%	2,822
Return on assets (ROA)	0.8801%	2,813
Pretax return on assets	1.1602%	2,473
Return on Equity (ROE)	9.8900%	2,734
Retained earnings to average equity (ytd only)	-3.9408%	4,387
Net charge-offs to loans	-0.0125%	3,987
Credit loss provision to net charge-offs	0.0000%	1,862
Earnings coverage of net charge-offs (x)	0.0000%	2,403
Efficiency ratio	60.1442%	2,942
Assets per employee ($millions)	4.7604%	3,783
Cash dividends to net income (ytd only)*	139.8601%	132
Condition Ratios (%)
Loss allowance to loans	2.1786%	317
Loan loss allowance to noncurrent loans	1,174.8344%	852
Noncurrent assets plus other real estate owned to assets	0.1175%	2,711
Noncurrent loans to loans	0.1854%	2,547
Net loans and leases to total assets	61.9700%	2,579
Net loans and leases to deposits	70.1692%	2,772
Net loans and leases to core deposits	75.7700%	2,772
Total domestic deposits to total assets	88.3200%	1,488
Equity capital to assets	9.0601%	2,477
Core capital (leverage) ratio	10.1142%	2,640
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,936
Memoranda:
Average total assets	$129,981,000	3,572
Average earning assets	$122,953,333	3,527
Average equity	$11,571,333	3,585
Average total loans	$80,258,667	3,412
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3959%	2,555
Cost of funding earning assets	1.2148%	1,414
Net interest margin	3.1811%	3,158
Noninterest income to average assets	0.2100%	3,716
Noninterest expense to average assets	1.9188%	3,812
Loan and lease loss provision to assets	0.1200%	916
Net operating income to assets	0.9242%	2,773
Return on assets (ROA)	0.9242%	2,732
Pretax return on assets	1.1813%	2,476
Return on Equity (ROE)	10.4700%	2,641
Retained earnings to average equity (ytd only)	-17.2699%	4,573
Net charge-offs to loans	-0.0301%	4,219
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	59.6575%	2,999
Assets per employee ($millions)	5.0465%	3,631
Cash dividends to net income (ytd only)*	264.9007%	77
Condition Ratios (%)
Loss allowance to loans	2.2218%	310
Loan loss allowance to noncurrent loans	57,933.3333%	42
Noncurrent assets plus other real estate owned to assets	0.0023%	3,897
Noncurrent loans to loans	0.0038%	3,826
Net loans and leases to total assets	58.3000%	2,842
Net loans and leases to deposits	65.6623%	2,961
Net loans and leases to core deposits	70.4258%	2,926
Total domestic deposits to total assets	88.7800%	1,623
Equity capital to assets	8.6915%	2,747
Core capital (leverage) ratio	9.7086%	2,990
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,020
Memoranda:
Average total assets	$130,706,000	3,610
Average earning assets	$123,477,500	3,566
Average equity	$11,534,500	3,618
Average total loans	$79,674,000	3,455
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7008%	2,520
Cost of funding earning assets	0.6113%	858
Net interest margin	3.0895%	3,203
Noninterest income to average assets	0.2500%	3,641
Noninterest expense to average assets	1.9892%	3,607
Loan and lease loss provision to assets	0.1200%	1,028
Net operating income to assets	0.8181%	3,264
Return on assets (ROA)	0.8181%	3,198
Pretax return on assets	1.0514%	2,913
Return on Equity (ROE)	8.8500%	3,164
Retained earnings to average equity (ytd only)	6.7925%	2,326
Net charge-offs to loans	-0.0131%	3,916
Credit loss provision to net charge-offs	0.0000%	1,979
Earnings coverage of net charge-offs (x)	0.0000%	2,564
Efficiency ratio	62.9583%	2,634
Assets per employee ($millions)	5.0078%	3,672
Cash dividends to net income (ytd only)*	23.2784%	2,754
Condition Ratios (%)
Loss allowance to loans	2.0882%	367
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	61.0000%	2,554
Net loans and leases to deposits	68.8606%	2,675
Net loans and leases to core deposits	73.5417%	2,605
Total domestic deposits to total assets	88.5900%	1,848
Equity capital to assets	8.9590%	2,382
Core capital (leverage) ratio	10.5471%	2,153
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,055
Memoranda:
Average total assets	$126,027,400	3,678
Average earning assets	$118,757,600	3,641
Average equity	$11,645,200	3,703
Average total loans	$76,251,600	3,466
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5782%	2,405
Cost of funding earning assets	0.5307%	638
Net interest margin	3.0475%	3,087
Noninterest income to average assets	0.2500%	3,673
Noninterest expense to average assets	1.9138%	3,719
Loan and lease loss provision to assets	0.1200%	882
Net operating income to assets	0.7371%	3,458
Return on assets (ROA)	0.7371%	3,403
Pretax return on assets	1.0860%	2,764
Return on Equity (ROE)	7.9100%	3,360
Retained earnings to average equity (ytd only)	5.1659%	3,042
Net charge-offs to loans	-0.0195%	3,987
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	0.0000%	2,297
Efficiency ratio	61.3333%	2,924
Assets per employee ($millions)	4.7822%	3,853
Cash dividends to net income (ytd only)*	34.7323%	1,823
Condition Ratios (%)
Loss allowance to loans	2.0936%	416
Loan loss allowance to noncurrent loans	3,604.3478%	364
Noncurrent assets plus other real estate owned to assets	0.0370%	3,547
Noncurrent loans to loans	0.0581%	3,464
Net loans and leases to total assets	62.3600%	2,244
Net loans and leases to deposits	70.4253%	2,325
Net loans and leases to core deposits	75.1473%	2,265
Total domestic deposits to total assets	88.5400%	2,261
Equity capital to assets	8.8541%	2,316
Core capital (leverage) ratio	10.7309%	1,935
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,120
Memoranda:
Average total assets	$124,983,250	3,713
Average earning assets	$117,820,500	3,673
Average equity	$11,640,250	3,750
Average total loans	$75,034,000	3,495
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4480%	2,304
Cost of funding earning assets	0.5081%	494
Net interest margin	2.9400%	3,058
Noninterest income to average assets	0.2508%	3,667
Noninterest expense to average assets	1.9329%	3,626
Loan and lease loss provision to assets	0.1198%	831
Net operating income to assets	0.5959%	3,635
Return on assets (ROA)	0.5959%	3,582
Pretax return on assets	0.9713%	2,825
Return on Equity (ROE)	6.2950%	3,501
Retained earnings to average equity (ytd only)	2.2446%	3,680
Net charge-offs to loans	-0.0299%	4,034
Credit loss provision to net charge-offs	-681.8182%	3,448
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	63.9197%	2,779
Assets per employee ($millions)	4.4151%	4,140
Cash dividends to net income (ytd only)*	64.3432%	949
Condition Ratios (%)
Loss allowance to loans	2.1695%	400
Loan loss allowance to noncurrent loans	1,528.3019%	677
Noncurrent assets plus other real estate owned to assets	0.0857%	3,126
Noncurrent loans to loans	0.1420%	2,993
Net loans and leases to total assets	59.0905%	2,432
Net loans and leases to deposits	65.2454%	2,610
Net loans and leases to core deposits	68.7905%	2,584
Total domestic deposits to total assets	90.5666%	1,432
Equity capital to assets	9.2199%	2,217
Core capital (leverage) ratio	9.9919%	2,406
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$125,198,333	3,755
Average earning assets	$118,096,333	3,723
Average equity	$11,850,667	3,794
Average total loans	$73,648,000	3,557
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3156%	2,337
Cost of funding earning assets	0.5005%	493
Net interest margin	2.8151%	3,090
Noninterest income to average assets	0.2826%	3,439
Noninterest expense to average assets	1.8828%	3,719
Loan and lease loss provision to assets	0.1206%	690
Net operating income to assets	0.5334%	3,614
Return on assets (ROA)	0.5334%	3,583
Pretax return on assets	0.9398%	2,632
Return on Equity (ROE)	5.5643%	3,465
Retained earnings to average equity (ytd only)	-2.3847%	4,278
Net charge-offs to loans	-0.0547%	4,286
Credit loss provision to net charge-offs	-380.0000%	3,082
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	63.9698%	3,032
Assets per employee ($millions)	4.5546%	4,099
Cash dividends to net income (ytd only)*	142.8571%	329
Condition Ratios (%)
Loss allowance to loans	2.2110%	428
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	54.8655%	2,648
Net loans and leases to deposits	60.5057%	2,859
Net loans and leases to core deposits	64.3219%	2,771
Total domestic deposits to total assets	90.6783%	1,196
Equity capital to assets	9.0865%	2,636
Core capital (leverage) ratio	9.9512%	2,340
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$125,985,500	3,759
Average earning assets	$119,074,000	3,724
Average equity	$12,077,000	3,852
Average total loans	$73,137,000	3,568
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8859%	1,653
Cost of funding earning assets	0.5757%	614
Net interest margin	3.3102%	2,289
Noninterest income to average assets	0.2604%	3,816
Noninterest expense to average assets	1.9740%	3,755
Loan and lease loss provision to assets	0.1248%	982
Net operating income to assets	1.0365%	2,531
Return on assets (ROA)	1.0365%	2,600
Pretax return on assets	1.2994%	2,364
Return on Equity (ROE)	10.2121%	2,454
Retained earnings to average equity (ytd only)	8.2451%	1,443
Net charge-offs to loans	0.0097%	2,196
Credit loss provision to net charge-offs	2,142.8571%	296
Earnings coverage of net charge-offs (x)	244.5714%	472
Efficiency ratio	57.9682%	3,450
Assets per employee ($millions)	4.6089%	4,025
Cash dividends to net income (ytd only)*	19.2616%	3,042
Condition Ratios (%)
Loss allowance to loans	2.0529%	566
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	58.8134%	2,295
Net loans and leases to deposits	65.5167%	2,556
Net loans and leases to core deposits	70.1855%	2,426
Total domestic deposits to total assets	89.7686%	1,076
Equity capital to assets	10.0980%	2,558
Core capital (leverage) ratio	10.6346%	1,813
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$120,212,000	3,796
Average earning assets	$113,950,600	3,762
Average equity	$12,201,200	3,912
Average total loans	$71,900,600	3,611
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0321%	1,463
Cost of funding earning assets	0.6111%	606
Net interest margin	3.4210%	2,094
Noninterest income to average assets	0.2686%	3,802
Noninterest expense to average assets	1.9112%	3,920
Loan and lease loss provision to assets	0.1267%	920
Net operating income to assets	1.1111%	2,512
Return on assets (ROA)	1.1111%	2,567
Pretax return on assets	1.4759%	2,060
Return on Equity (ROE)	10.9328%	2,387
Retained earnings to average equity (ytd only)	8.2905%	1,956
Net charge-offs to loans	0.0019%	2,334
Credit loss provision to net charge-offs	11,300.0000%	71
Earnings coverage of net charge-offs (x)	1,432.0000%	109
Efficiency ratio	54.2357%	3,774
Assets per employee ($millions)	4.6797%	3,984
Cash dividends to net income (ytd only)*	24.1692%	2,360
Condition Ratios (%)
Loss allowance to loans	2.0875%	548
Loan loss allowance to noncurrent loans	982.3529%	803
Noncurrent assets plus other real estate owned to assets	0.1308%	3,241
Noncurrent loans to loans	0.2125%	3,103
Net loans and leases to total assets	60.2571%	2,219
Net loans and leases to deposits	67.6636%	2,468
Net loans and leases to core deposits	72.9033%	2,329
Total domestic deposits to total assets	89.0540%	1,245
Equity capital to assets	10.6913%	2,269
Core capital (leverage) ratio	10.4347%	2,117
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$119,154,750	3,852
Average earning assets	$113,023,750	3,812
Average equity	$12,110,000	3,972
Average total loans	$71,195,250	3,681
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0875%	1,371
Cost of funding earning assets	0.6416%	603
Net interest margin	3.4459%	2,021
Noninterest income to average assets	0.2653%	3,810
Noninterest expense to average assets	1.9036%	3,955
Loan and lease loss provision to assets	0.1251%	1,002
Net operating income to assets	1.1195%	2,468
Return on assets (ROA)	1.1195%	2,538
Pretax return on assets	1.4982%	2,020
Return on Equity (ROE)	11.2045%	2,346
Retained earnings to average equity (ytd only)	7.1969%	2,358
Net charge-offs to loans	-0.0085%	3,613
Credit loss provision to net charge-offs	-2,500.0000%	3,872
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	53.7370%	3,836
Assets per employee ($millions)	4.6008%	4,016
Cash dividends to net income (ytd only)*	35.7675%	1,802
Condition Ratios (%)
Loss allowance to loans	2.0443%	559
Loan loss allowance to noncurrent loans	29,380.0000%	48
Noncurrent assets plus other real estate owned to assets	0.0042%	4,294
Noncurrent loans to loans	0.0070%	4,210
Net loans and leases to total assets	58.8438%	2,560
Net loans and leases to deposits	65.7730%	2,838
Net loans and leases to core deposits	70.9459%	2,693
Total domestic deposits to total assets	89.4650%	1,047
Equity capital to assets	10.2006%	2,674
Core capital (leverage) ratio	9.9536%	2,440
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$119,875,667	3,857
Average earning assets	$113,467,000	3,814
Average equity	$11,977,333	3,989
Average total loans	$70,927,333	3,708
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4267%	3,124
Cost of funding earning assets	0.6642%	634
Net interest margin	2.7624%	3,843
Noninterest income to average assets	0.2433%	3,937
Noninterest expense to average assets	1.8166%	4,182
Loan and lease loss provision to assets	0.1267%	1,083
Net operating income to assets	0.6833%	3,752
Return on assets (ROA)	0.6833%	3,815
Pretax return on assets	0.9200%	3,559
Return on Equity (ROE)	6.9111%	3,625
Retained earnings to average equity (ytd only)	-1.1799%	4,483
Net charge-offs to loans	-0.0057%	3,439
Credit loss provision to net charge-offs	-3,800.0000%	3,680
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	62.8638%	2,624
Assets per employee ($millions)	4.5396%	4,070
Cash dividends to net income (ytd only)*	117.0732%	336
Condition Ratios (%)
Loss allowance to loans	1.9851%	613
Loan loss allowance to noncurrent loans	8,931.2500%	115
Noncurrent assets plus other real estate owned to assets	0.0131%	4,288
Noncurrent loans to loans	0.0222%	4,175
Net loans and leases to total assets	57.5643%	2,849
Net loans and leases to deposits	63.9129%	3,132
Net loans and leases to core deposits	68.6002%	3,011
Total domestic deposits to total assets	90.0668%	792
Equity capital to assets	9.6313%	3,063
Core capital (leverage) ratio	9.6469%	2,876
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$120,003,500	3,863
Average earning assets	$113,813,000	3,814
Average equity	$11,865,000	4,012
Average total loans	$70,462,000	3,724
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4016%	1,590
Cost of funding earning assets	0.9145%	817
Net interest margin	3.4871%	2,509
Noninterest income to average assets	0.2925%	3,735
Noninterest expense to average assets	2.1463%	3,836
Loan and lease loss provision to assets	0.1358%	2,664
Net operating income to assets	0.9288%	2,569
Return on assets (ROA)	0.9288%	2,718
Pretax return on assets	1.2479%	2,168
Return on Equity (ROE)	8.5253%	2,587
Retained earnings to average equity (ytd only)	6.4332%	1,617
Net charge-offs to loans	0.0128%	2,876
Credit loss provision to net charge-offs	1,588.8889%	524
Earnings coverage of net charge-offs (x)	161.8889%	540
Efficiency ratio	60.2906%	3,412
Assets per employee ($millions)	4.0496%	4,339
Cash dividends to net income (ytd only)*	24.5399%	3,074
Condition Ratios (%)
Loss allowance to loans	2.0163%	567
Loan loss allowance to noncurrent loans	27,800.0000%	34
Noncurrent assets plus other real estate owned to assets	0.0043%	4,437
Noncurrent loans to loans	0.0073%	4,364
Net loans and leases to total assets	57.5189%	3,145
Net loans and leases to deposits	64.1796%	3,425
Net loans and leases to core deposits	65.7712%	3,562
Total domestic deposits to total assets	89.6218%	715
Equity capital to assets	10.1543%	2,979
Core capital (leverage) ratio	10.6590%	2,040
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$105,297,400	3,925
Average earning assets	$97,759,200	3,914
Average equity	$11,471,800	4,030
Average total loans	$70,324,000	3,725
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5615%	1,421
Cost of funding earning assets	0.9911%	784
Net interest margin	3.5704%	2,358
Noninterest income to average assets	0.2816%	3,800
Noninterest expense to average assets	2.1435%	3,839
Loan and lease loss provision to assets	0.1369%	2,644
Net operating income to assets	0.9048%	2,688
Return on assets (ROA)	0.9048%	2,814
Pretax return on assets	1.2986%	2,052
Return on Equity (ROE)	8.1464%	2,750
Retained earnings to average equity (ytd only)	5.3292%	2,416
Net charge-offs to loans	-0.0094%	4,215
Credit loss provision to net charge-offs	-2,100.0000%	4,085
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	59.3807%	3,471
Assets per employee ($millions)	3.5842%	4,621
Cash dividends to net income (ytd only)*	34.5821%	2,156
Condition Ratios (%)
Loss allowance to loans	1.9002%	585
Loan loss allowance to noncurrent loans	12,427.2727%	69
Noncurrent assets plus other real estate owned to assets	0.0106%	4,451
Noncurrent loans to loans	0.0153%	4,376
Net loans and leases to total assets	67.8949%	2,261
Net loans and leases to deposits	76.8206%	2,676
Net loans and leases to core deposits	78.7388%	2,942
Total domestic deposits to total assets	88.3811%	1,019
Equity capital to assets	11.2369%	2,199
Core capital (leverage) ratio	11.0731%	1,841
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$102,262,250	3,963
Average earning assets	$94,441,250	3,963
Average equity	$11,358,500	4,052
Average total loans	$70,670,250	3,737
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5766%	1,702
Cost of funding earning assets	1.0375%	878
Net interest margin	3.5391%	2,677
Noninterest income to average assets	0.2851%	3,753
Noninterest expense to average assets	2.1121%	3,999
Loan and lease loss provision to assets	0.1337%	2,671
Net operating income to assets	0.9321%	2,570
Return on assets (ROA)	0.9321%	2,703
Pretax return on assets	1.3195%	1,969
Return on Equity (ROE)	8.4257%	2,590
Retained earnings to average equity (ytd only)	4.1595%	2,839
Net charge-offs to loans	0.1310%	1,061
Credit loss provision to net charge-offs	147.8261%	2,142
Earnings coverage of net charge-offs (x)	16.0652%	1,878
Efficiency ratio	58.7424%	3,590
Assets per employee ($millions)	3.4329%	4,697
Cash dividends to net income (ytd only)*	50.6329%	1,535
Condition Ratios (%)
Loss allowance to loans	1.7757%	696
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,603
Noncurrent loans to loans	0.0000%	4,537
Net loans and leases to total assets	68.6944%	2,234
Net loans and leases to deposits	77.7192%	2,692
Net loans and leases to core deposits	79.3866%	2,994
Total domestic deposits to total assets	88.3880%	993
Equity capital to assets	11.1644%	2,199
Core capital (leverage) ratio	10.8783%	2,058
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$101,702,000	3,971
Average earning assets	$94,261,667	3,967
Average equity	$11,251,333	4,076
Average total loans	$70,247,333	3,751
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5832%	2,045
Cost of funding earning assets	1.0811%	1,102
Net interest margin	3.5020%	2,979
Noninterest income to average assets	0.3127%	3,638
Noninterest expense to average assets	2.1097%	4,201
Loan and lease loss provision to assets	0.1187%	2,206
Net operating income to assets	0.9737%	2,268
Return on assets (ROA)	0.9737%	2,375
Pretax return on assets	1.3537%	1,708
Return on Equity (ROE)	8.8426%	2,173
Retained earnings to average equity (ytd only)	0.2157%	3,939
Net charge-offs to loans	0.2826%	524
Credit loss provision to net charge-offs	61.2245%	2,015
Earnings coverage of net charge-offs (x)	7.5918%	1,910
Efficiency ratio	58.3425%	3,957
Assets per employee ($millions)	3.7616%	4,205
Cash dividends to net income (ytd only)*	97.5610%	775
Condition Ratios (%)
Loss allowance to loans	1.7549%	776
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,662
Noncurrent loans to loans	0.0000%	4,593
Net loans and leases to total assets	68.2394%	2,505
Net loans and leases to deposits	77.1541%	2,959
Net loans and leases to core deposits	79.5350%	3,237
Total domestic deposits to total assets	88.4456%	914
Equity capital to assets	11.0591%	2,809
Core capital (leverage) ratio	10.7713%	2,672
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$101,059,000	3,974
Average earning assets	$94,345,500	3,956
Average equity	$11,128,000	4,107
Average total loans	$69,358,000	3,774
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5289%	2,847
Cost of funding earning assets	0.9928%	1,753
Net interest margin	3.5361%	3,324
Noninterest income to average assets	0.2678%	4,078
Noninterest expense to average assets	2.2471%	4,070
Loan and lease loss provision to assets	0.1212%	1,746
Net operating income to assets	0.9509%	3,015
Return on assets (ROA)	0.9477%	3,107
Pretax return on assets	1.2276%	2,738
Return on Equity (ROE)	8.9574%	2,774
Retained earnings to average equity (ytd only)	6.6655%	1,539
Net charge-offs to loans	0.0030%	3,577
Credit loss provision to net charge-offs	6,000.0000%	70
Earnings coverage of net charge-offs (x)	669.5000%	154
Efficiency ratio	61.8861%	3,398
Assets per employee ($millions)	4.3720%	3,412
Cash dividends to net income (ytd only)*	25.5864%	3,279
Condition Ratios (%)
Loss allowance to loans	1.8439%	610
Loan loss allowance to noncurrent loans	2,565.3061%	265
Noncurrent assets plus other real estate owned to assets	0.0487%	4,389
Noncurrent loans to loans	0.0719%	4,245
Net loans and leases to total assets	66.5457%	2,890
Net loans and leases to deposits	75.9354%	3,186
Net loans and leases to core deposits	78.0933%	3,441
Total domestic deposits to total assets	87.6346%	1,299
Equity capital to assets	10.9632%	3,040
Core capital (leverage) ratio	11.1961%	2,343
Tier 1 risk-based capital ratio	16.3320%	2,279
Total risk-based capital ratio	17.5894%	2,222
Memoranda:
Average total assets	$98,972,000	4,018
Average earning assets	$93,267,400	3,988
Average equity	$10,471,800	4,178
Average total loans	$67,558,200	3,821
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5401%	2,925
Cost of funding earning assets	0.9834%	1,836
Net interest margin	3.5568%	3,380
Noninterest income to average assets	0.2516%	4,234
Noninterest expense to average assets	2.1749%	4,226
Loan and lease loss provision to assets	0.1217%	1,605
Net operating income to assets	0.9021%	3,338
Return on assets (ROA)	0.8967%	3,432
Pretax return on assets	1.2944%	2,687
Return on Equity (ROE)	8.5543%	3,082
Retained earnings to average equity (ytd only)	5.4577%	2,643
Net charge-offs to loans	0.0059%	3,178
Credit loss provision to net charge-offs	3,000.0000%	135
Earnings coverage of net charge-offs (x)	350.6575%	277
Efficiency ratio	59.9248%	3,660
Assets per employee ($millions)	3.4376%	4,558
Cash dividends to net income (ytd only)*	36.1988%	2,327
Condition Ratios (%)
Loss allowance to loans	1.8328%	633
Loan loss allowance to noncurrent loans	17,514.2857%	54
Noncurrent assets plus other real estate owned to assets	0.0073%	4,730
Noncurrent loans to loans	0.0105%	4,635
Net loans and leases to total assets	68.2213%	2,759
Net loans and leases to deposits	77.5779%	3,144
Net loans and leases to core deposits	80.6814%	3,337
Total domestic deposits to total assets	87.9391%	1,059
Equity capital to assets	11.1695%	2,953
Core capital (leverage) ratio	10.9167%	2,720
Tier 1 risk-based capital ratio	16.4906%	2,271
Total risk-based capital ratio	17.7486%	2,203
Memoranda:
Average total assets	$98,576,250	4,067
Average earning assets	$92,740,750	4,039
Average equity	$10,333,750	4,242
Average total loans	$67,404,750	3,868
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4961%	3,028
Cost of funding earning assets	0.9314%	2,006
Net interest margin	3.5647%	3,382
Noninterest income to average assets	0.2557%	4,228
Noninterest expense to average assets	2.1097%	4,402
Loan and lease loss provision to assets	0.1208%	1,552
Net operating income to assets	0.9481%	3,100
Return on assets (ROA)	0.9401%	3,195
Pretax return on assets	1.3588%	2,351
Return on Equity (ROE)	9.1617%	2,787
Retained earnings to average equity (ytd only)	4.4533%	3,038
Net charge-offs to loans	-0.0059%	4,176
Credit loss provision to net charge-offs	-3,000.0000%	4,426
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	58.1096%	3,996
Assets per employee ($millions)	3.5258%	4,470
Cash dividends to net income (ytd only)*	51.3919%	1,722
Condition Ratios (%)
Loss allowance to loans	1.7646%	731
Loan loss allowance to noncurrent loans	17,157.1429%	50
Noncurrent assets plus other real estate owned to assets	0.0071%	4,770
Noncurrent loans to loans	0.0103%	4,676
Net loans and leases to total assets	67.7255%	2,857
Net loans and leases to deposits	76.3364%	3,301
Net loans and leases to core deposits	79.0943%	3,498
Total domestic deposits to total assets	88.7198%	777
Equity capital to assets	10.6623%	3,371
Core capital (leverage) ratio	10.5803%	3,000
Tier 1 risk-based capital ratio	15.6420%	2,568
Total risk-based capital ratio	16.8986%	2,496
Memoranda:
Average total assets	$99,350,670	4,079
Average earning assets	$93,191,000	4,054
Average equity	$10,194,670	4,276
Average total loans	$67,576,000	3,891
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3986%	3,234
Cost of funding earning assets	0.8609%	2,204
Net interest margin	3.5377%	3,471
Noninterest income to average assets	0.2569%	4,172
Noninterest expense to average assets	1.9826%	4,676
Loan and lease loss provision to assets	0.1204%	1,454
Net operating income to assets	1.0473%	2,669
Return on assets (ROA)	1.0315%	2,779
Pretax return on assets	1.4489%	1,926
Return on Equity (ROE)	10.2503%	2,259
Retained earnings to average equity (ytd only)	0.6780%	4,391
Net charge-offs to loans	0.0000%	2,740
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	54.9438%	4,440
Assets per employee ($millions)	3.9386%	4,014
Cash dividends to net income (ytd only)*	93.3852%	703
Condition Ratios (%)
Loss allowance to loans	1.7549%	769
Loan loss allowance to noncurrent loans	10,627.2727%	79
Noncurrent assets plus other real estate owned to assets	0.0112%	4,819
Noncurrent loans to loans	0.0165%	4,710
Net loans and leases to total assets	66.4656%	2,980
Net loans and leases to deposits	74.3637%	3,421
Net loans and leases to core deposits	77.1769%	3,584
Total domestic deposits to total assets	89.3791%	700
Equity capital to assets	10.2909%	3,530
Core capital (leverage) ratio	10.3483%	3,221
Tier 1 risk-based capital ratio	15.5811%	2,612
Total risk-based capital ratio	16.8363%	2,537
Memoranda:
Average total assets	$99,665,000	4,113
Average earning assets	$93,393,500	4,089
Average equity	$10,029,000	4,325
Average total loans	$67,333,500	3,939
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2186%	3,388
Cost of funding earning assets	0.7369%	1,864
Net interest margin	3.4816%	3,765
Noninterest income to average assets	0.2773%	4,250
Noninterest expense to average assets	2.0818%	4,606
Loan and lease loss provision to assets	0.0974%	2,221
Net operating income to assets	1.0489%	2,809
Return on assets (ROA)	1.0473%	2,803
Pretax return on assets	1.3669%	2,251
Return on Equity (ROE)	11.3658%	1,952
Retained earnings to average equity (ytd only)	9.5089%	735
Net charge-offs to loans	-0.0060%	4,389
Credit loss provision to net charge-offs	-2,475.0000%	4,862
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	58.1486%	4,139
Assets per employee ($millions)	3.8794%	4,058
Cash dividends to net income (ytd only)*	16.3380%	3,622
Condition Ratios (%)
Loss allowance to loans	1.6737%	878
Loan loss allowance to noncurrent loans	11,390.0000%	80
Noncurrent assets plus other real estate owned to assets	0.0099%	4,854
Noncurrent loans to loans	0.0147%	4,732
Net loans and leases to total assets	66.3398%	3,079
Net loans and leases to deposits	78.0709%	3,160
Net loans and leases to core deposits	81.3156%	3,323
Total domestic deposits to total assets	84.9738%	2,655
Equity capital to assets	9.8400%	3,826
Core capital (leverage) ratio	10.2264%	3,327
Tier 1 risk-based capital ratio	15.0134%	2,827
Total risk-based capital ratio	16.2681%	2,753
Memoranda:
Average total assets	$101,689,200	4,070
Average earning assets	$95,529,600	4,045
Average equity	$9,370,200	4,406
Average total loans	$66,429,000	3,952
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1519%	3,452
Cost of funding earning assets	0.7017%	1,839
Net interest margin	3.4502%	3,861
Noninterest income to average assets	0.2656%	4,374
Noninterest expense to average assets	1.8908%	4,920
Loan and lease loss provision to assets	0.0903%	2,169
Net operating income to assets	1.0580%	2,834
Return on assets (ROA)	1.0560%	2,856
Pretax return on assets	1.5244%	1,823
Return on Equity (ROE)	11.6554%	1,930
Retained earnings to average equity (ytd only)	9.1424%	1,166
Net charge-offs to loans	-0.0162%	4,558
Credit loss provision to net charge-offs	-862.5000%	4,603
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	53.3756%	4,672
Assets per employee ($millions)	4.0321%	3,829
Cash dividends to net income (ytd only)*	21.5610%	2,948
Condition Ratios (%)
Loss allowance to loans	1.6129%	1,050
Loan loss allowance to noncurrent loans	2,928.9474%	250
Noncurrent assets plus other real estate owned to assets	0.0377%	4,796
Noncurrent loans to loans	0.0551%	4,645
Net loans and leases to total assets	67.3522%	3,030
Net loans and leases to deposits	81.1195%	2,911
Net loans and leases to core deposits	83.2318%	3,222
Total domestic deposits to total assets	83.0283%	3,300
Equity capital to assets	9.4273%	4,156
Core capital (leverage) ratio	9.8882%	3,756
Tier 1 risk-based capital ratio	14.4785%	3,136
Total risk-based capital ratio	15.7320%	3,052
Memoranda:
Average total assets	$101,895,500	4,109
Average earning assets	$95,761,250	4,082
Average equity	$9,231,500	4,470
Average total loans	$66,023,250	3,997
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0739%	3,541
Cost of funding earning assets	0.6950%	1,649
Net interest margin	3.3789%	4,022
Noninterest income to average assets	0.2601%	4,447
Noninterest expense to average assets	1.8580%	5,019
Loan and lease loss provision to assets	0.0821%	2,267
Net operating income to assets	1.0201%	2,925
Return on assets (ROA)	1.0170%	2,948
Pretax return on assets	1.4825%	1,876
Return on Equity (ROE)	11.3773%	1,962
Retained earnings to average equity (ytd only)	7.5703%	1,812
Net charge-offs to loans	-0.0215%	4,598
Credit loss provision to net charge-offs	-600.0000%	4,393
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	53.7100%	4,720
Assets per employee ($millions)	4.2141%	3,558
Cash dividends to net income (ytd only)*	33.4615%	2,419
Condition Ratios (%)
Loss allowance to loans	1.6250%	1,044
Loan loss allowance to noncurrent loans	7,750.0000%	111
Noncurrent assets plus other real estate owned to assets	0.0138%	4,967
Noncurrent loans to loans	0.0210%	4,840
Net loans and leases to total assets	64.9469%	3,287
Net loans and leases to deposits	72.9407%	3,634
Net loans and leases to core deposits	74.9695%	3,811
Total domestic deposits to total assets	89.0407%	917
Equity capital to assets	9.1617%	4,421
Core capital (leverage) ratio	9.4303%	4,200
Tier 1 risk-based capital ratio	14.4435%	3,142
Total risk-based capital ratio	15.6973%	3,053
Memoranda:
Average total assets	$102,259,670	4,138
Average earning assets	$95,830,670	4,116
Average equity	$9,141,000	4,522
Average total loans	$65,029,000	4,044
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0066%	3,587
Cost of funding earning assets	0.6928%	1,480
Net interest margin	3.3138%	4,152
Noninterest income to average assets	0.2529%	4,494
Noninterest expense to average assets	1.8557%	5,094
Loan and lease loss provision to assets	0.0817%	2,158
Net operating income to assets	1.0799%	2,521
Return on assets (ROA)	1.0737%	2,563
Pretax return on assets	1.3966%	2,017
Return on Equity (ROE)	12.1606%	1,522
Retained earnings to average equity (ytd only)	4.4941%	3,401
Net charge-offs to loans	-0.0187%	4,520
Credit loss provision to net charge-offs	-700.0000%	4,084
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	54.9476%	4,693
Assets per employee ($millions)	4.5070%	3,145
Cash dividends to net income (ytd only)*	63.0435%	1,179
Condition Ratios (%)
Loss allowance to loans	1.6459%	1,062
Loan loss allowance to noncurrent loans	17,666.6667%	50
Noncurrent assets plus other real estate owned to assets	0.0058%	5,106
Noncurrent loans to loans	0.0093%	4,970
Net loans and leases to total assets	61.1069%	3,632
Net loans and leases to deposits	67.1501%	4,012
Net loans and leases to core deposits	68.9286%	4,157
Total domestic deposits to total assets	91.0005%	320
Equity capital to assets	8.7256%	4,807
Core capital (leverage) ratio	9.1644%	4,485
Tier 1 risk-based capital ratio	14.1278%	3,314
Total risk-based capital ratio	15.3821%	3,235
Memoranda:
Average total assets	$102,820,500	4,179
Average earning assets	$95,841,000	4,160
Average equity	$9,078,500	4,576
Average total loans	$64,158,000	4,090
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0064%	3,384
Cost of funding earning assets	0.6354%	1,383
Net interest margin	3.3710%	3,931
Noninterest income to average assets	0.2680%	4,515
Noninterest expense to average assets	2.1017%	4,760
Loan and lease loss provision to assets	0.0883%	2,423
Net operating income to assets	0.7069%	3,574
Return on assets (ROA)	0.7083%	3,622
Pretax return on assets	1.2579%	2,515
Return on Equity (ROE)	7.5611%	3,010
Retained earnings to average equity (ytd only)	4.8687%	2,210
Net charge-offs to loans	-0.0288%	5,054
Credit loss provision to net charge-offs	-466.6667%	4,936
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	60.4148%	4,198
Assets per employee ($millions)	4.4339%	3,302
Cash dividends to net income (ytd only)*	35.6083%	3,050
Condition Ratios (%)
Loss allowance to loans	1.6210%	1,096
Loan loss allowance to noncurrent loans	9,418.1818%	100
Noncurrent assets plus other real estate owned to assets	0.0108%	5,113
Noncurrent loans to loans	0.0172%	4,949
Net loans and leases to total assets	61.6552%	3,663
Net loans and leases to deposits	68.7665%	3,966
Net loans and leases to core deposits	70.4059%	4,146
Total domestic deposits to total assets	89.6588%	704
Equity capital to assets	8.9351%	4,782
Core capital (leverage) ratio	9.4244%	4,130
Tier 1 risk-based capital ratio	14.0843%	3,316
Total risk-based capital ratio	15.3384%	3,213
Memoranda:
Average total assets	$95,159,200	4,327
Average earning assets	$89,705,800	4,295
Average equity	$8,914,000	4,628
Average total loans	$62,505,000	4,141
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0253%	3,264
Cost of funding earning assets	0.6185%	1,411
Net interest margin	3.4068%	3,826
Noninterest income to average assets	0.2711%	4,565
Noninterest expense to average assets	2.0202%	4,909
Loan and lease loss provision to assets	0.0899%	2,278
Net operating income to assets	0.8370%	3,344
Return on assets (ROA)	0.8360%	3,395
Pretax return on assets	1.3739%	2,201
Return on Equity (ROE)	8.8139%	2,720
Retained earnings to average equity (ytd only)	5.2041%	2,741
Net charge-offs to loans	-0.0450%	5,135
Credit loss provision to net charge-offs	-300.0000%	4,699
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	57.3885%	4,575
Assets per employee ($millions)	3.9520%	4,070
Cash dividends to net income (ytd only)*	40.9556%	2,238
Condition Ratios (%)
Loss allowance to loans	1.5973%	1,249
Loan loss allowance to noncurrent loans	101,800.0000%	11
Noncurrent assets plus other real estate owned to assets	0.0011%	5,279
Noncurrent loans to loans	0.0016%	5,160
Net loans and leases to total assets	68.9957%	2,692
Net loans and leases to deposits	80.2280%	2,951
Net loans and leases to core deposits	82.4709%	3,247
Total domestic deposits to total assets	85.9995%	2,316
Equity capital to assets	10.0850%	3,822
Core capital (leverage) ratio	9.9251%	3,660
Tier 1 risk-based capital ratio	14.3113%	3,291
Total risk-based capital ratio	15.5652%	3,195
Memoranda:
Average total assets	$93,454,000	4,401
Average earning assets	$88,173,500	4,368
Average equity	$8,864,500	4,685
Average total loans	$62,153,250	4,182
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9524%	3,369
Cost of funding earning assets	0.6256%	1,299
Net interest margin	3.3268%	4,027
Noninterest income to average assets	0.2693%	4,619
Noninterest expense to average assets	2.0296%	4,910
Loan and lease loss provision to assets	0.0891%	2,202
Net operating income to assets	0.7380%	3,683
Return on assets (ROA)	0.7380%	3,744
Pretax return on assets	1.2746%	2,482
Return on Equity (ROE)	7.9419%	3,064
Retained earnings to average equity (ytd only)	2.4647%	4,210
Net charge-offs to loans	-0.0649%	5,273
Credit loss provision to net charge-offs	-210.0000%	4,478
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	59.2500%	4,432
Assets per employee ($millions)	3.7274%	4,397
Cash dividends to net income (ytd only)*	68.9655%	1,165
Condition Ratios (%)
Loss allowance to loans	1.5655%	1,347
Loan loss allowance to noncurrent loans	3,320.0000%	202
Noncurrent assets plus other real estate owned to assets	0.0322%	5,135
Noncurrent loans to loans	0.0472%	4,956
Net loans and leases to total assets	67.2032%	2,919
Net loans and leases to deposits	77.2202%	3,199
Net loans and leases to core deposits	79.6976%	3,442
Total domestic deposits to total assets	87.0281%	1,940
Equity capital to assets	9.5873%	4,326
Core capital (leverage) ratio	9.5644%	4,055
Tier 1 risk-based capital ratio	14.1231%	3,357
Total risk-based capital ratio	15.3766%	3,269
Memoranda:
Average total assets	$94,306,330	4,408
Average earning assets	$88,553,000	4,389
Average equity	$8,763,670	4,725
Average total loans	$61,626,670	4,217
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8703%	3,505
Cost of funding earning assets	0.6435%	1,106
Net interest margin	3.2268%	4,255
Noninterest income to average assets	0.2825%	4,528
Noninterest expense to average assets	2.0112%	5,030
Loan and lease loss provision to assets	0.0885%	2,062
Net operating income to assets	0.7041%	3,685
Return on assets (ROA)	0.7041%	3,727
Pretax return on assets	1.1848%	2,655
Return on Equity (ROE)	7.6972%	3,075
Retained earnings to average equity (ytd only)	-3.3646%	5,283
Net charge-offs to loans	-0.1385%	5,542
Credit loss provision to net charge-offs	-100.0000%	3,937
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	60.5905%	4,387
Assets per employee ($millions)	3.8064%	4,338
Cash dividends to net income (ytd only)*	143.7126%	415
Condition Ratios (%)
Loss allowance to loans	1.5968%	1,391
Loan loss allowance to noncurrent loans	7,507.6923%	122
Noncurrent assets plus other real estate owned to assets	0.0137%	5,297
Noncurrent loans to loans	0.0213%	5,136
Net loans and leases to total assets	63.2079%	3,376
Net loans and leases to deposits	70.1524%	3,780
Net loans and leases to core deposits	72.2802%	3,964
Total domestic deposits to total assets	90.1008%	616
Equity capital to assets	9.0995%	4,714
Core capital (leverage) ratio	9.0740%	4,655
Tier 1 risk-based capital ratio	14.0299%	3,459
Total risk-based capital ratio	15.2836%	3,378
Memoranda:
Average total assets	$94,866,500	4,443
Average earning assets	$88,261,000	4,438
Average equity	$8,678,500	4,776
Average total loans	$60,630,000	4,284
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9735%	3,297
Cost of funding earning assets	0.6101%	1,277
Net interest margin	3.3635%	3,948
Noninterest income to average assets	0.3064%	4,549
Noninterest expense to average assets	2.0333%	5,126
Loan and lease loss provision to assets	0.0904%	2,555
Net operating income to assets	0.9106%	2,769
Return on assets (ROA)	0.9246%	2,821
Pretax return on assets	1.3875%	1,993
Return on Equity (ROE)	9.8518%	2,025
Retained earnings to average equity (ytd only)	7.0337%	1,215
Net charge-offs to loans	0.0629%	2,800
Credit loss provision to net charge-offs	221.6216%	1,295
Earnings coverage of net charge-offs (x)	35.7297%	1,276
Efficiency ratio	57.7518%	4,880
Assets per employee ($millions)	3.7830%	4,337
Cash dividends to net income (ytd only)*	28.6055%	3,376
Condition Ratios (%)
Loss allowance to loans	1.5531%	1,496
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	5,456
Noncurrent loans to loans	0.0000%	5,326
Net loans and leases to total assets	62.5986%	3,526
Net loans and leases to deposits	71.1460%	3,796
Net loans and leases to core deposits	73.0979%	3,999
Total domestic deposits to total assets	87.9861%	1,637
Equity capital to assets	9.1970%	4,587
Core capital (leverage) ratio	9.6610%	3,901
Tier 1 risk-based capital ratio	14.4003%	3,238
Total risk-based capital ratio	15.6537%	3,170
Memoranda:
Average total assets	$90,737,200	4,529
Average earning assets	$85,893,400	4,474
Average equity	$8,516,200	4,839
Average total loans	$58,797,800	4,340
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9609%	3,368
Cost of funding earning assets	0.6188%	1,216
Net interest margin	3.3421%	4,050
Noninterest income to average assets	0.2985%	4,628
Noninterest expense to average assets	1.8965%	5,382
Loan and lease loss provision to assets	0.0906%	2,417
Net operating income to assets	0.9806%	2,515
Return on assets (ROA)	0.9995%	2,572
Pretax return on assets	1.5000%	1,711
Return on Equity (ROE)	10.5930%	1,830
Retained earnings to average equity (ytd only)	6.8155%	1,714
Net charge-offs to loans	0.0547%	2,580
Credit loss provision to net charge-offs	254.1667%	1,186
Earnings coverage of net charge-offs (x)	43.8322%	1,169
Efficiency ratio	54.3581%	5,212
Assets per employee ($millions)	3.7077%	4,456
Cash dividends to net income (ytd only)*	35.6610%	2,558
Condition Ratios (%)
Loss allowance to loans	1.5704%	1,560
Loan loss allowance to noncurrent loans	413.3929%	1,237
Noncurrent assets plus other real estate owned to assets	0.2517%	4,431
Noncurrent loans to loans	0.3799%	3,898
Net loans and leases to total assets	65.2256%	3,247
Net loans and leases to deposits	73.0075%	3,700
Net loans and leases to core deposits	74.8820%	3,933
Total domestic deposits to total assets	89.3409%	741
Equity capital to assets	9.8702%	4,279
Core capital (leverage) ratio	9.6305%	4,019
Tier 1 risk-based capital ratio	14.8716%	3,114
Total risk-based capital ratio	16.1261%	3,039
Memoranda:
Average total assets	$89,778,000	4,588
Average earning assets	$84,895,250	4,532
Average equity	$8,470,750	4,899
Average total loans	$58,463,250	4,374
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9516%	3,420
Cost of funding earning assets	0.6288%	1,149
Net interest margin	3.3228%	4,148
Noninterest income to average assets	0.2799%	4,782
Noninterest expense to average assets	1.8880%	5,472
Loan and lease loss provision to assets	0.0888%	2,366
Net operating income to assets	0.9601%	2,579
Return on assets (ROA)	0.9884%	2,582
Pretax return on assets	1.4793%	1,743
Return on Equity (ROE)	10.6374%	1,790
Retained earnings to average equity (ytd only)	4.9004%	2,795
Net charge-offs to loans	0.0823%	2,025
Credit loss provision to net charge-offs	166.6667%	1,481
Earnings coverage of net charge-offs (x)	28.6250%	1,426
Efficiency ratio	54.8471%	5,249
Assets per employee ($millions)	3.7038%	4,435
Cash dividends to net income (ytd only)*	53.9326%	1,789
Condition Ratios (%)
Loss allowance to loans	1.5255%	1,772
Loan loss allowance to noncurrent loans	369.3878%	1,373
Noncurrent assets plus other real estate owned to assets	0.2756%	4,390
Noncurrent loans to loans	0.4130%	3,877
Net loans and leases to total assets	65.7194%	3,116
Net loans and leases to deposits	73.4024%	3,667
Net loans and leases to core deposits	74.8018%	3,925
Total domestic deposits to total assets	89.5331%	664
Equity capital to assets	9.6771%	4,575
Core capital (leverage) ratio	9.2205%	4,562
Tier 1 risk-based capital ratio	12.6394%	4,425
Total risk-based capital ratio	13.8902%	4,327
Memoranda:
Average total assets	$90,042,330	4,616
Average earning assets	$84,928,670	4,566
Average equity	$8,366,670	4,955
Average total loans	$58,295,330	4,400
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9193%	3,514
Cost of funding earning assets	0.6282%	1,161
Net interest margin	3.2911%	4,255
Noninterest income to average assets	0.2737%	4,773
Noninterest expense to average assets	1.8319%	5,611
Loan and lease loss provision to assets	0.0839%	2,275
Net operating income to assets	1.1016%	1,892
Return on assets (ROA)	1.1653%	1,766
Pretax return on assets	1.5405%	1,465
Return on Equity (ROE)	12.8016%	1,081
Retained earnings to average equity (ytd only)	1.1638%	4,779
Net charge-offs to loans	0.0277%	2,384
Credit loss provision to net charge-offs	475.0000%	634
Earnings coverage of net charge-offs (x)	87.2500%	596
Efficiency ratio	54.0576%	5,381
Assets per employee ($millions)	3.7694%	4,361
Cash dividends to net income (ytd only)*	90.9091%	818
Condition Ratios (%)
Loss allowance to loans	1.5879%	1,644
Loan loss allowance to noncurrent loans	45,200.0000%	21
Noncurrent assets plus other real estate owned to assets	0.0022%	5,681
Noncurrent loans to loans	0.0035%	5,523
Net loans and leases to total assets	61.9311%	3,541
Net loans and leases to deposits	68.8618%	3,972
Net loans and leases to core deposits	70.1491%	4,233
Total domestic deposits to total assets	89.9353%	627
Equity capital to assets	9.2036%	4,983
Core capital (leverage) ratio	9.0107%	4,841
Tier 1 risk-based capital ratio	12.6311%	4,504
Total risk-based capital ratio	13.8831%	4,408
Memoranda:
Average total assets	$90,618,500	4,646
Average earning assets	$85,320,500	4,589
Average equity	$8,249,000	5,008
Average total loans	$57,781,500	4,449
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8134%	4,006
Cost of funding earning assets	0.6150%	1,281
Net interest margin	3.1984%	4,633
Noninterest income to average assets	0.2669%	4,960
Noninterest expense to average assets	1.9870%	5,478
Loan and lease loss provision to assets	0.0592%	3,125
Net operating income to assets	0.7743%	3,449
Return on assets (ROA)	0.7729%	3,528
Pretax return on assets	1.2565%	2,448
Return on Equity (ROE)	8.7584%	2,589
Retained earnings to average equity (ytd only)	5.3411%	2,176
Net charge-offs to loans	-0.0107%	5,123
Credit loss provision to net charge-offs	-883.3333%	5,542
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	59.8851%	4,920
Assets per employee ($millions)	4.1260%	3,705
Cash dividends to net income (ytd only)*	39.0173%	2,890
Condition Ratios (%)
Loss allowance to loans	1.5162%	1,928
Loan loss allowance to noncurrent loans	14,816.6667%	73
Noncurrent assets plus other real estate owned to assets	0.0066%	5,687
Noncurrent loans to loans	0.0102%	5,494
Net loans and leases to total assets	63.6143%	3,335
Net loans and leases to deposits	72.0620%	3,712
Net loans and leases to core deposits	73.4292%	4,001
Total domestic deposits to total assets	88.2772%	1,490
Equity capital to assets	9.0028%	5,117
Core capital (leverage) ratio	9.3190%	4,446
Tier 1 risk-based capital ratio	12.2371%	4,804
Total risk-based capital ratio	13.4882%	4,698
Memoranda:
Average total assets	$89,532,600	4,688
Average earning assets	$85,043,200	4,608
Average equity	$7,901,000	5,082
Average total loans	$56,092,200	4,504
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7737%	4,173
Cost of funding earning assets	0.6292%	1,221
Net interest margin	3.1445%	4,831
Noninterest income to average assets	0.2600%	5,082
Noninterest expense to average assets	1.8635%	5,692
Loan and lease loss provision to assets	0.0568%	3,052
Net operating income to assets	0.8104%	3,383
Return on assets (ROA)	0.8084%	3,494
Pretax return on assets	1.3240%	2,304
Return on Equity (ROE)	9.2084%	2,462
Retained earnings to average equity (ytd only)	4.6126%	3,187
Net charge-offs to loans	-0.0120%	5,051
Credit loss provision to net charge-offs	-760.0000%	5,447
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	55.9595%	5,357
Assets per employee ($millions)	3.7550%	4,348
Cash dividends to net income (ytd only)*	49.9071%	1,872
Condition Ratios (%)
Loss allowance to loans	1.5804%	1,853
Loan loss allowance to noncurrent loans	21,825.0000%	50
Noncurrent assets plus other real estate owned to assets	0.0046%	5,798
Noncurrent loans to loans	0.0072%	5,623
Net loans and leases to total assets	62.9495%	3,463
Net loans and leases to deposits	70.9252%	3,888
Net loans and leases to core deposits	72.3312%	4,162
Total domestic deposits to total assets	88.7548%	1,151
Equity capital to assets	9.4030%	4,877
Core capital (leverage) ratio	9.1643%	4,782
Tier 1 risk-based capital ratio	12.5588%	4,717
Total risk-based capital ratio	13.8108%	4,615
Memoranda:
Average total assets	$89,222,750	4,742
Average earning assets	$84,759,250	4,672
Average equity	$7,833,250	5,155
Average total loans	$55,457,000	4,559
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7263%	4,333
Cost of funding earning assets	0.6398%	1,165
Net interest margin	3.0865%	4,996
Noninterest income to average assets	0.2462%	5,192
Noninterest expense to average assets	1.8364%	5,801
Loan and lease loss provision to assets	0.0532%	3,055
Net operating income to assets	0.7747%	3,512
Return on assets (ROA)	0.7718%	3,631
Pretax return on assets	1.2731%	2,459
Return on Equity (ROE)	8.9954%	2,551
Retained earnings to average equity (ytd only)	2.0162%	4,690
Net charge-offs to loans	-0.0324%	5,362
Credit loss provision to net charge-offs	-266.6667%	5,088
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	56.4426%	5,389
Assets per employee ($millions)	4.0411%	3,797
Cash dividends to net income (ytd only)*	77.5862%	978
Condition Ratios (%)
Loss allowance to loans	1.5887%	1,945
Loan loss allowance to noncurrent loans	3,752.1739%	169
Noncurrent assets plus other real estate owned to assets	0.0259%	5,785
Noncurrent loans to loans	0.0423%	5,577
Net loans and leases to total assets	60.1312%	3,814
Net loans and leases to deposits	67.0879%	4,220
Net loans and leases to core deposits	68.6146%	4,449
Total domestic deposits to total assets	89.6304%	827
Equity capital to assets	8.7769%	5,460
Core capital (leverage) ratio	8.6106%	5,428
Tier 1 risk-based capital ratio	12.4366%	4,852
Total risk-based capital ratio	13.6882%	4,769
Memoranda:
Average total assets	$90,175,000	4,763
Average earning assets	$85,339,000	4,697
Average equity	$7,737,330	5,212
Average total loans	$55,529,330	4,599
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6876%	4,413
Cost of funding earning assets	0.6472%	1,137
Net interest margin	3.0404%	5,102
Noninterest income to average assets	0.2423%	5,236
Noninterest expense to average assets	1.8456%	5,832
Loan and lease loss provision to assets	0.0529%	2,887
Net operating income to assets	0.7488%	3,545
Return on assets (ROA)	0.7488%	3,680
Pretax return on assets	1.2201%	2,586
Return on Equity (ROE)	8.8260%	2,533
Retained earnings to average equity (ytd only)	-5.1918%	5,947
Net charge-offs to loans	0.0071%	3,089
Credit loss provision to net charge-offs	1,200.0000%	290
Earnings coverage of net charge-offs (x)	289.0000%	198
Efficiency ratio	58.8983%	5,237
Assets per employee ($millions)	4.1694%	3,617
Cash dividends to net income (ytd only)*	158.8235%	334
Condition Ratios (%)
Loss allowance to loans	1.5149%	2,390
Loan loss allowance to noncurrent loans	3,822.7273%	174
Noncurrent assets plus other real estate owned to assets	0.0240%	5,847
Noncurrent loans to loans	0.0396%	5,626
Net loans and leases to total assets	59.6051%	3,713
Net loans and leases to deposits	66.2587%	4,130
Net loans and leases to core deposits	67.7019%	4,364
Total domestic deposits to total assets	89.9582%	760
Equity capital to assets	8.4163%	5,796
Core capital (leverage) ratio	8.3857%	5,651
Tier 1 risk-based capital ratio	11.8867%	5,317
Total risk-based capital ratio	13.1363%	5,205
Memoranda:
Average total assets	$90,810,500	4,795
Average earning assets	$85,909,500	4,723
Average equity	$7,704,500	5,258
Average total loans	$56,133,000	4,608
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7818%	4,545
Cost of funding earning assets	0.6653%	1,298
Net interest margin	3.1165%	5,166
Noninterest income to average assets	0.2904%	5,042
Noninterest expense to average assets	1.9957%	5,768
Loan and lease loss provision to assets	0.0555%	3,436
Net operating income to assets	0.7166%	3,807
Return on assets (ROA)	0.7277%	3,859
Pretax return on assets	1.1720%	2,771
Return on Equity (ROE)	8.5685%	2,803
Retained earnings to average equity (ytd only)	5.8440%	2,028
Net charge-offs to loans	0.0303%	4,219
Credit loss provision to net charge-offs	300.0000%	864
Earnings coverage of net charge-offs (x)	65.3750%	742
Efficiency ratio	61.9993%	4,919
Assets per employee ($millions)	3.9084%	4,148
Cash dividends to net income (ytd only)*	31.7965%	3,297
Condition Ratios (%)
Loss allowance to loans	1.4625%	2,637
Loan loss allowance to noncurrent loans	8,300.0000%	108
Noncurrent assets plus other real estate owned to assets	0.0111%	6,021
Noncurrent loans to loans	0.0176%	5,828
Net loans and leases to total assets	62.2077%	3,472
Net loans and leases to deposits	69.6349%	3,961
Net loans and leases to core deposits	71.1925%	4,201
Total domestic deposits to total assets	89.3341%	1,053
Equity capital to assets	8.5534%	5,697
Core capital (leverage) ratio	8.8537%	5,176
Tier 1 risk-based capital ratio	13.5184%	4,399
Total risk-based capital ratio	14.7711%	4,341
Memoranda:
Average total assets	$86,435,000	4,917
Average earning assets	$80,861,200	4,876
Average equity	$7,340,800	5,338
Average total loans	$52,764,600	4,736
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7523%	4,705
Cost of funding earning assets	0.6759%	1,289
Net interest margin	3.0764%	5,318
Noninterest income to average assets	0.2929%	5,101
Noninterest expense to average assets	1.9243%	5,909
Loan and lease loss provision to assets	0.0561%	3,250
Net operating income to assets	0.7483%	3,675
Return on assets (ROA)	0.7713%	3,667
Pretax return on assets	1.2278%	2,662
Return on Equity (ROE)	9.0985%	2,625
Retained earnings to average equity (ytd only)	5.4223%	2,809
Net charge-offs to loans	0.0129%	4,294
Credit loss provision to net charge-offs	720.0000%	424
Earnings coverage of net charge-offs (x)	160.1154%	388
Efficiency ratio	60.3635%	5,130
Assets per employee ($millions)	3.8588%	4,170
Cash dividends to net income (ytd only)*	40.4043%	2,330
Condition Ratios (%)
Loss allowance to loans	1.5171%	2,624
Loan loss allowance to noncurrent loans	4,876.4706%	141
Noncurrent assets plus other real estate owned to assets	0.0200%	6,090
Noncurrent loans to loans	0.0311%	5,910
Net loans and leases to total assets	63.3896%	3,283
Net loans and leases to deposits	71.8574%	3,696
Net loans and leases to core deposits	73.5807%	3,987
Total domestic deposits to total assets	88.2159%	1,648
Equity capital to assets	8.8181%	5,530
Core capital (leverage) ratio	8.9356%	5,147
Tier 1 risk-based capital ratio	13.6819%	4,425
Total risk-based capital ratio	14.9347%	4,363
Memoranda:
Average total assets	$85,570,250	4,983
Average earning assets	$80,092,000	4,942
Average equity	$7,253,750	5,398
Average total loans	$51,768,000	4,805
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6908%	4,888
Cost of funding earning assets	0.6840%	1,283
Net interest margin	3.0068%	5,505
Noninterest income to average assets	0.2867%	5,131
Noninterest expense to average assets	1.9185%	5,970
Loan and lease loss provision to assets	0.0559%	3,178
Net operating income to assets	0.6887%	3,907
Return on assets (ROA)	0.6947%	3,959
Pretax return on assets	1.1189%	3,014
Return on Equity (ROE)	8.3051%	2,931
Retained earnings to average equity (ytd only)	2.7312%	4,460
Net charge-offs to loans	0.0039%	4,246
Credit loss provision to net charge-offs	2,400.0000%	151
Earnings coverage of net charge-offs (x)	500.0000%	141
Efficiency ratio	61.9048%	5,028
Assets per employee ($millions)	3.8565%	4,148
Cash dividends to net income (ytd only)*	67.1141%	1,255
Condition Ratios (%)
Loss allowance to loans	1.5723%	2,572
Loan loss allowance to noncurrent loans	408.4577%	1,128
Noncurrent assets plus other real estate owned to assets	0.2369%	5,391
Noncurrent loans to loans	0.3849%	4,839
Net loans and leases to total assets	60.5771%	3,622
Net loans and leases to deposits	67.5659%	4,099
Net loans and leases to core deposits	69.4456%	4,322
Total domestic deposits to total assets	89.6563%	991
Equity capital to assets	8.6559%	5,653
Core capital (leverage) ratio	8.5655%	5,568
Tier 1 risk-based capital ratio	13.7550%	4,411
Total risk-based capital ratio	15.0075%	4,359
Memoranda:
Average total assets	$85,795,670	5,025
Average earning assets	$79,820,330	4,987
Average equity	$7,176,330	5,443
Average total loans	$50,809,670	4,869
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6486%	5,008
Cost of funding earning assets	0.7015%	1,238
Net interest margin	2.9472%	5,649
Noninterest income to average assets	0.2782%	5,143
Noninterest expense to average assets	1.7109%	6,336
Loan and lease loss provision to assets	0.0556%	3,003
Net operating income to assets	0.7975%	3,167
Return on assets (ROA)	0.7975%	3,244
Pretax return on assets	1.2194%	2,393
Return on Equity (ROE)	9.7004%	2,153
Retained earnings to average equity (ytd only)	-1.5791%	5,810
Net charge-offs to loans	0.0000%	3,660
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	57.2981%	5,721
Assets per employee ($millions)	3.9697%	4,005
Cash dividends to net income (ytd only)*	116.2791%	552
Condition Ratios (%)
Loss allowance to loans	1.6350%	2,561
Loan loss allowance to noncurrent loans	6,230.7692%	106
Noncurrent assets plus other real estate owned to assets	0.0149%	6,276
Noncurrent loans to loans	0.0262%	6,079
Net loans and leases to total assets	55.8002%	4,165
Net loans and leases to deposits	61.2542%	4,632
Net loans and leases to core deposits	62.2773%	4,849
Total domestic deposits to total assets	91.0961%	538
Equity capital to assets	8.1756%	5,926
Core capital (leverage) ratio	8.3495%	5,800
Tier 1 risk-based capital ratio	14.0106%	4,327
Total risk-based capital ratio	15.2645%	4,263
Memoranda:
Average total assets	$86,271,500	5,062
Average earning assets	$79,263,000	5,044
Average equity	$7,092,500	5,494
Average total loans	$50,106,000	4,927
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7147%	5,091
Cost of funding earning assets	0.7139%	1,719
Net interest margin	3.0008%	5,577
Noninterest income to average assets	0.2086%	5,834
Noninterest expense to average assets	1.7664%	6,375
Loan and lease loss provision to assets	0.0531%	4,076
Net operating income to assets	0.8056%	3,265
Return on assets (ROA)	0.8074%	3,352
Pretax return on assets	1.2027%	2,569
Return on Equity (ROE)	8.8261%	2,626
Retained earnings to average equity (ytd only)	3.2159%	3,942
Net charge-offs to loans	0.0045%	5,392
Credit loss provision to net charge-offs	2,050.0000%	117
Earnings coverage of net charge-offs (x)	483.5000%	78
Efficiency ratio	58.4979%	5,673
Assets per employee ($millions)	3.8732%	4,112
Cash dividends to net income (ytd only)*	63.5634%	1,605
Condition Ratios (%)
Loss allowance to loans	1.5749%	2,859
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,461
Noncurrent loans to loans	0.0000%	6,319
Net loans and leases to total assets	58.5283%	3,949
Net loans and leases to deposits	64.5292%	4,458
Net loans and leases to core deposits	66.5510%	4,653
Total domestic deposits to total assets	90.7006%	701
Equity capital to assets	8.2678%	5,808
Core capital (leverage) ratio	8.7194%	5,397
Tier 1 risk-based capital ratio	13.7696%	4,464
Total risk-based capital ratio	15.0221%	4,407
Memoranda:
Average total assets	$77,162,800	5,300
Average earning assets	$72,280,400	5,245
Average equity	$7,058,600	5,549
Average total loans	$44,094,600	5,187
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6861%	5,198
Cost of funding earning assets	0.7210%	1,801
Net interest margin	2.9651%	5,677
Noninterest income to average assets	0.2129%	5,904
Noninterest expense to average assets	1.4832%	6,649
Loan and lease loss provision to assets	0.0515%	3,995
Net operating income to assets	0.9008%	2,832
Return on assets (ROA)	0.9030%	2,930
Pretax return on assets	1.4761%	1,688
Return on Equity (ROE)	9.6099%	2,351
Retained earnings to average equity (ytd only)	2.1334%	5,035
Net charge-offs to loans	-0.0157%	5,989
Credit loss provision to net charge-offs	-580.0000%	6,089
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	49.3215%	6,442
Assets per employee ($millions)	4.7833%	2,459
Cash dividends to net income (ytd only)*	77.8000%	855
Condition Ratios (%)
Loss allowance to loans	1.7601%	2,420
Loan loss allowance to noncurrent loans	13,216.6667%	63
Noncurrent assets plus other real estate owned to assets	0.0078%	6,486
Noncurrent loans to loans	0.0133%	6,325
Net loans and leases to total assets	57.8333%	4,038
Net loans and leases to deposits	68.5325%	3,997
Net loans and leases to core deposits	72.4616%	4,037
Total domestic deposits to total assets	84.3882%	4,033
Equity capital to assets	9.1491%	4,994
Core capital (leverage) ratio	9.8595%	3,878
Tier 1 risk-based capital ratio	14.8899%	3,819
Total risk-based capital ratio	16.1452%	3,769
Memoranda:
Average total assets	$75,151,000	5,402
Average earning assets	$70,822,750	5,344
Average equity	$7,062,000	5,615
Average total loans	$42,450,750	5,298
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6468%	5,298
Cost of funding earning assets	0.7384%	1,784
Net interest margin	2.9084%	5,787
Noninterest income to average assets	0.2089%	5,948
Noninterest expense to average assets	1.4353%	6,718
Loan and lease loss provision to assets	0.0509%	3,971
Net operating income to assets	0.8917%	2,840
Return on assets (ROA)	0.8917%	2,988
Pretax return on assets	1.4754%	1,693
Return on Equity (ROE)	9.4041%	2,455
Retained earnings to average equity (ytd only)	-1.7792%	6,163
Net charge-offs to loans	-0.0144%	5,865
Credit loss provision to net charge-offs	-633.3333%	5,954
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	48.4629%	6,511
Assets per employee ($millions)	5.2763%	1,820
Cash dividends to net income (ytd only)*	118.9189%	351
Condition Ratios (%)
Loss allowance to loans	1.8685%	2,198
Loan loss allowance to noncurrent loans	9,762.5000%	80
Noncurrent assets plus other real estate owned to assets	0.0108%	6,521
Noncurrent loans to loans	0.0191%	6,361
Net loans and leases to total assets	55.5274%	4,367
Net loans and leases to deposits	63.8894%	4,524
Net loans and leases to core deposits	65.4429%	4,746
Total domestic deposits to total assets	86.9118%	2,875
Equity capital to assets	9.1799%	5,018
Core capital (leverage) ratio	9.5605%	4,144
Tier 1 risk-based capital ratio	15.8606%	3,283
Total risk-based capital ratio	17.1174%	3,226
Memoranda:
Average total assets	$74,690,670	5,449
Average earning assets	$70,692,330	5,369
Average equity	$7,082,000	5,666
Average total loans	$41,583,000	5,350
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6215%	5,386
Cost of funding earning assets	0.7663%	1,738
Net interest margin	2.8552%	5,900
Noninterest income to average assets	0.2237%	5,877
Noninterest expense to average assets	1.4114%	6,810
Loan and lease loss provision to assets	0.0533%	3,736
Net operating income to assets	0.8309%	3,004
Return on assets (ROA)	0.8309%	3,145
Pretax return on assets	1.4380%	1,746
Return on Equity (ROE)	8.6277%	2,657
Retained earnings to average equity (ytd only)	-13.2734%	6,704
Net charge-offs to loans	0.0000%	4,145
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	48.6239%	6,581
Assets per employee ($millions)	4.7055%	2,643
Cash dividends to net income (ytd only)*	253.8462%	129
Condition Ratios (%)
Loss allowance to loans	1.9343%	2,209
Loan loss allowance to noncurrent loans	686.6071%	651
Noncurrent assets plus other real estate owned to assets	0.1488%	6,125
Noncurrent loans to loans	0.2817%	5,698
Net loans and leases to total assets	51.7838%	4,735
Net loans and leases to deposits	58.0060%	5,032
Net loans and leases to core deposits	59.1259%	5,233
Total domestic deposits to total assets	89.2732%	1,507
Equity capital to assets	9.4251%	4,965
Core capital (leverage) ratio	9.2167%	4,541
Tier 1 risk-based capital ratio	15.9493%	3,299
Total risk-based capital ratio	17.2062%	3,256
Memoranda:
Average total assets	$75,102,000	5,483
Average earning assets	$70,467,500	5,425
Average equity	$7,232,500	5,678
Average total loans	$41,475,500	5,397
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0454%	5,163
Cost of funding earning assets	0.8695%	2,142
Net interest margin	3.1759%	5,628
Noninterest income to average assets	0.2545%	5,643
Noninterest expense to average assets	1.5636%	6,829
Loan and lease loss provision to assets	0.0551%	5,110
Net operating income to assets	0.9936%	2,368
Return on assets (ROA)	1.0207%	2,464
Pretax return on assets	1.7092%	1,115
Return on Equity (ROE)	10.1419%	2,111
Retained earnings to average equity (ytd only)	6.2649%	1,937
Net charge-offs to loans	-0.0048%	6,384
Credit loss provision to net charge-offs	-1,950.0000%	6,634
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	47.5904%	6,727
Assets per employee ($millions)	4.9944%	2,236
Cash dividends to net income (ytd only)*	38.2271%	2,954
Condition Ratios (%)
Loss allowance to loans	1.7571%	2,734
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,725
Noncurrent loans to loans	0.0000%	6,599
Net loans and leases to total assets	56.6448%	4,176
Net loans and leases to deposits	63.6948%	4,571
Net loans and leases to core deposits	65.7933%	4,761
Total domestic deposits to total assets	88.9316%	1,610
Equity capital to assets	9.8364%	4,402
Core capital (leverage) ratio	10.1118%	3,260
Tier 1 risk-based capital ratio	15.7788%	3,276
Total risk-based capital ratio	17.0334%	3,233
Memoranda:
Average total assets	$70,734,000	5,610
Average earning assets	$67,508,400	5,501
Average equity	$7,119,000	5,729
Average total loans	$41,342,000	5,449
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0841%	5,248
Cost of funding earning assets	0.9060%	2,133
Net interest margin	3.1781%	5,749
Noninterest income to average assets	0.2564%	5,727
Noninterest expense to average assets	1.3756%	7,001
Loan and lease loss provision to assets	0.0555%	5,043
Net operating income to assets	1.1571%	1,877
Return on assets (ROA)	1.1939%	1,941
Pretax return on assets	1.9228%	828
Return on Equity (ROE)	11.7903%	1,707
Retained earnings to average equity (ytd only)	6.5754%	2,343
Net charge-offs to loans	-0.0065%	6,300
Credit loss provision to net charge-offs	-1,450.0000%	6,576
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	41.7295%	6,973
Assets per employee ($millions)	4.6785%	2,630
Cash dividends to net income (ytd only)*	44.2306%	1,969
Condition Ratios (%)
Loss allowance to loans	1.8042%	2,780
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,825
Noncurrent loans to loans	0.0000%	6,696
Net loans and leases to total assets	58.0888%	4,122
Net loans and leases to deposits	66.1855%	4,448
Net loans and leases to core deposits	68.5506%	4,664
Total domestic deposits to total assets	87.7666%	2,190
Equity capital to assets	10.4236%	3,928
Core capital (leverage) ratio	10.0217%	3,507
Tier 1 risk-based capital ratio	16.1395%	3,199
Total risk-based capital ratio	17.3952%	3,168
Memoranda:
Average total assets	$69,688,500	5,703
Average earning assets	$66,662,750	5,590
Average equity	$7,056,500	5,812
Average total loans	$40,878,750	5,529
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0537%	5,475
Cost of funding earning assets	0.9345%	2,149
Net interest margin	3.1191%	5,950
Noninterest income to average assets	0.1985%	6,134
Noninterest expense to average assets	1.3837%	7,062
Loan and lease loss provision to assets	0.0547%	4,975
Net operating income to assets	1.0989%	2,051
Return on assets (ROA)	1.0989%	2,277
Pretax return on assets	1.7461%	1,146
Return on Equity (ROE)	10.9607%	2,004
Retained earnings to average equity (ytd only)	3.0415%	4,617
Net charge-offs to loans	-0.0246%	6,474
Credit loss provision to net charge-offs	-380.0000%	6,242
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	43.4508%	6,971
Assets per employee ($millions)	4.9671%	2,217
Cash dividends to net income (ytd only)*	72.2513%	1,021
Condition Ratios (%)
Loss allowance to loans	1.8197%	2,783
Loan loss allowance to noncurrent loans	24,733.3333%	34
Noncurrent assets plus other real estate owned to assets	0.1395%	6,440
Noncurrent loans to loans	0.0074%	6,699
Net loans and leases to total assets	57.5720%	4,238
Net loans and leases to deposits	65.3569%	4,594
Net loans and leases to core deposits	67.7239%	4,821
Total domestic deposits to total assets	88.0887%	2,084
Equity capital to assets	10.1555%	4,115
Core capital (leverage) ratio	9.7002%	3,832
Tier 1 risk-based capital ratio	15.6565%	3,359
Total risk-based capital ratio	16.9129%	3,317
Memoranda:
Average total assets	$69,525,670	5,743
Average earning assets	$66,556,670	5,628
Average equity	$6,970,330	5,856
Average total loans	$40,667,000	5,567
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0748%	5,541
Cost of funding earning assets	0.9840%	2,078
Net interest margin	3.0908%	6,078
Noninterest income to average assets	0.1956%	6,215
Noninterest expense to average assets	1.3694%	7,136
Loan and lease loss provision to assets	0.0575%	4,691
Net operating income to assets	1.0932%	2,120
Return on assets (ROA)	1.0932%	2,310
Pretax return on assets	1.7146%	1,269
Return on Equity (ROE)	10.9755%	2,030
Retained earnings to average equity (ytd only)	-4.9679%	6,578
Net charge-offs to loans	-0.0098%	5,940
Credit loss provision to net charge-offs	-1,000.0000%	5,917
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	43.5897%	7,004
Assets per employee ($millions)	5.0649%	2,175
Cash dividends to net income (ytd only)*	145.2632%	314
Condition Ratios (%)
Loss allowance to loans	1.8354%	2,879
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,966
Noncurrent loans to loans	0.0000%	6,812
Net loans and leases to total assets	54.9846%	4,556
Net loans and leases to deposits	61.7413%	4,955
Net loans and leases to core deposits	63.6472%	5,158
Total domestic deposits to total assets	89.0564%	1,662
Equity capital to assets	9.6194%	4,627
Core capital (leverage) ratio	9.5389%	3,995
Tier 1 risk-based capital ratio	15.6759%	3,348
Total risk-based capital ratio	16.9325%	3,317
Memoranda:
Average total assets	$69,519,000	5,791
Average earning assets	$66,261,500	5,678
Average equity	$6,924,500	5,896
Average total loans	$40,612,000	5,617
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1705%	6,138
Cost of funding earning assets	1.1888%	2,100
Net interest margin	2.9818%	6,557
Noninterest income to average assets	0.2460%	5,776
Noninterest expense to average assets	1.6268%	7,103
Loan and lease loss provision to assets	0.0492%	5,971
Net operating income to assets	0.8394%	2,879
Return on assets (ROA)	0.8394%	3,035
Pretax return on assets	1.4053%	1,771
Return on Equity (ROE)	8.4897%	2,676
Retained earnings to average equity (ytd only)	4.8157%	2,779
Net charge-offs to loans	0.0333%	5,979
Credit loss provision to net charge-offs	261.5385%	919
Earnings coverage of net charge-offs (x)	77.3077%	381
Efficiency ratio	52.7947%	6,634
Assets per employee ($millions)	4.5419%	2,840
Cash dividends to net income (ytd only)*	43.2759%	2,404
Condition Ratios (%)
Loss allowance to loans	1.7299%	3,093
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,026
Noncurrent loans to loans	0.0000%	6,879
Net loans and leases to total assets	59.8688%	4,017
Net loans and leases to deposits	67.3759%	4,531
Net loans and leases to core deposits	69.1381%	4,892
Total domestic deposits to total assets	88.8579%	1,627
Equity capital to assets	10.3157%	3,757
Core capital (leverage) ratio	9.6566%	3,798
Tier 1 risk-based capital ratio	15.6268%	3,250
Total risk-based capital ratio	16.8820%	3,203
Memoranda:
Average total assets	$69,093,800	5,771
Average earning assets	$65,699,200	5,675
Average equity	$6,831,800	5,916
Average total loans	$38,980,600	5,742
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1233%	6,358
Cost of funding earning assets	1.2396%	2,065
Net interest margin	2.8837%	6,775
Noninterest income to average assets	0.2327%	5,954
Noninterest expense to average assets	1.4595%	7,254
Loan and lease loss provision to assets	0.0462%	5,864
Net operating income to assets	0.8865%	2,791
Return on assets (ROA)	0.8865%	2,950
Pretax return on assets	1.4692%	1,738
Return on Equity (ROE)	9.0620%	2,567
Retained earnings to average equity (ytd only)	4.1280%	3,791
Net charge-offs to loans	-0.0035%	6,690
Credit loss provision to net charge-offs	-2,400.0000%	6,846
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	49.0627%	6,883
Assets per employee ($millions)	4.5719%	2,803
Cash dividends to net income (ytd only)*	54.4472%	1,397
Condition Ratios (%)
Loss allowance to loans	1.8067%	2,920
Loan loss allowance to noncurrent loans	4,247.0588%	106
Noncurrent assets plus other real estate owned to assets	0.0481%	6,925
Noncurrent loans to loans	0.0425%	6,834
Net loans and leases to total assets	57.2201%	4,639
Net loans and leases to deposits	64.7445%	5,083
Net loans and leases to core deposits	66.7296%	5,337
Total domestic deposits to total assets	88.3784%	1,821
Equity capital to assets	10.4711%	3,739
Core capital (leverage) ratio	9.5659%	4,049
Tier 1 risk-based capital ratio	15.8621%	3,188
Total risk-based capital ratio	17.1185%	3,138
Memoranda:
Average total assets	$69,335,000	5,801
Average earning assets	$65,932,500	5,715
Average equity	$6,782,750	5,972
Average total loans	$38,349,250	5,821
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0745%	6,537
Cost of funding earning assets	1.2854%	2,033
Net interest margin	2.7891%	6,936
Noninterest income to average assets	0.2242%	6,067
Noninterest expense to average assets	1.4457%	7,339
Loan and lease loss provision to assets	0.0431%	5,775
Net operating income to assets	0.8047%	3,052
Return on assets (ROA)	0.8047%	3,176
Pretax return on assets	1.3796%	1,861
Return on Equity (ROE)	8.4211%	2,755
Retained earnings to average equity (ytd only)	0.8722%	5,520
Net charge-offs to loans	0.0000%	5,875
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	50.4008%	6,906
Assets per employee ($millions)	4.5319%	2,781
Cash dividends to net income (ytd only)*	89.6429%	604
Condition Ratios (%)
Loss allowance to loans	1.8731%	2,757
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,147
Noncurrent loans to loans	0.0000%	7,026
Net loans and leases to total assets	54.8684%	5,167
Net loans and leases to deposits	61.4896%	5,561
Net loans and leases to core deposits	63.2111%	5,796
Total domestic deposits to total assets	89.2320%	1,397
Equity capital to assets	9.9075%	4,266
Core capital (leverage) ratio	9.1231%	4,527
Tier 1 risk-based capital ratio	16.0067%	2,974
Total risk-based capital ratio	17.2630%	2,934
Memoranda:
Average total assets	$69,587,000	5,839
Average earning assets	$65,972,000	5,755
Average equity	$6,650,000	6,032
Average total loans	$37,811,330	5,898
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0408%	6,618
Cost of funding earning assets	1.3369%	1,964
Net interest margin	2.7039%	7,016
Noninterest income to average assets	0.2273%	6,099
Noninterest expense to average assets	1.3865%	7,418
Loan and lease loss provision to assets	0.0398%	5,497
Net operating income to assets	0.8297%	2,884
Return on assets (ROA)	0.8297%	2,943
Pretax return on assets	1.3524%	1,874
Return on Equity (ROE)	8.8384%	2,537
Retained earnings to average equity (ytd only)	-6.3564%	6,623
Net charge-offs to loans	0.0000%	5,107
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	49.8978%	6,993
Assets per employee ($millions)	4.7282%	2,523
Cash dividends to net income (ytd only)*	171.9178%	261
Condition Ratios (%)
Loss allowance to loans	1.9046%	2,680
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,222
Noncurrent loans to loans	0.0000%	7,094
Net loans and leases to total assets	51.1245%	5,701
Net loans and leases to deposits	56.9779%	6,032
Net loans and leases to core deposits	58.6544%	6,202
Total domestic deposits to total assets	89.7269%	1,341
Equity capital to assets	9.3778%	4,609
Core capital (leverage) ratio	8.9219%	4,735
Tier 1 risk-based capital ratio	16.0652%	2,876
Total risk-based capital ratio	17.3223%	2,847
Memoranda:
Average total assets	$70,391,000	5,860
Average earning assets	$66,422,000	5,790
Average equity	$6,607,500	6,057
Average total loans	$37,711,500	5,953
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7591%	5,586
Cost of funding earning assets	1.5975%	2,085
Net interest margin	3.1616%	6,361
Noninterest income to average assets	0.2463%	6,032
Noninterest expense to average assets	1.7481%	7,307
Loan and lease loss provision to assets	0.0453%	6,713
Net operating income to assets	0.9232%	2,307
Return on assets (ROA)	0.9232%	2,428
Pretax return on assets	1.4610%	1,476
Return on Equity (ROE)	9.5421%	2,097
Retained earnings to average equity (ytd only)	5.6378%	2,024
Net charge-offs to loans	0.0599%	6,196
Credit loss provision to net charge-offs	136.3636%	2,815
Earnings coverage of net charge-offs (x)	45.3182%	509
Efficiency ratio	53.7140%	6,834
Assets per employee ($millions)	4.6573%	2,613
Cash dividends to net income (ytd only)*	40.9165%	2,550
Condition Ratios (%)
Loss allowance to loans	1.8123%	2,825
Loan loss allowance to noncurrent loans	34,850.0000%	18
Noncurrent assets plus other real estate owned to assets	0.0057%	7,251
Noncurrent loans to loans	0.0052%	7,153
Net loans and leases to total assets	54.0560%	5,624
Net loans and leases to deposits	60.2377%	6,032
Net loans and leases to core deposits	62.5681%	6,188
Total domestic deposits to total assets	89.7379%	1,245
Equity capital to assets	9.3961%	4,552
Core capital (leverage) ratio	9.1285%	4,305
Tier 1 risk-based capital ratio	15.6728%	2,908
Total risk-based capital ratio	16.9278%	2,867
Memoranda:
Average total assets	$66,185,800	5,993
Average earning assets	$62,974,400	5,894
Average equity	$6,403,200	6,233
Average total loans	$36,737,400	6,079
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8834%	5,337
Cost of funding earning assets	1.6514%	2,097
Net interest margin	3.2320%	6,242
Noninterest income to average assets	0.2370%	6,196
Noninterest expense to average assets	1.5954%	7,506
Loan and lease loss provision to assets	0.0470%	6,618
Net operating income to assets	1.0234%	2,162
Return on assets (ROA)	1.0234%	2,270
Pretax return on assets	1.6731%	1,164
Return on Equity (ROE)	10.4979%	1,939
Retained earnings to average equity (ytd only)	5.2595%	2,804
Net charge-offs to loans	0.0404%	6,143
Credit loss provision to net charge-offs	209.0909%	1,684
Earnings coverage of net charge-offs (x)	76.5262%	397
Efficiency ratio	48.1208%	7,266
Assets per employee ($millions)	4.3817%	3,106
Cash dividends to net income (ytd only)*	49.9012%	1,625
Condition Ratios (%)
Loss allowance to loans	1.8773%	2,548
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,384
Noncurrent loans to loans	0.0000%	7,276
Net loans and leases to total assets	55.7474%	5,583
Net loans and leases to deposits	62.6861%	6,056
Net loans and leases to core deposits	64.5878%	6,249
Total domestic deposits to total assets	88.9312%	1,426
Equity capital to assets	10.0297%	4,127
Core capital (leverage) ratio	9.3141%	4,190
Tier 1 risk-based capital ratio	16.0517%	2,737
Total risk-based capital ratio	17.3087%	2,686
Memoranda:
Average total assets	$65,267,500	6,091
Average earning assets	$62,168,250	5,987
Average equity	$6,363,000	6,332
Average total loans	$36,306,750	6,187
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8896%	5,438
Cost of funding earning assets	1.6769%	2,250
Net interest margin	3.2127%	6,276
Noninterest income to average assets	0.2396%	6,193
Noninterest expense to average assets	1.6095%	7,560
Loan and lease loss provision to assets	0.0461%	6,509
Net operating income to assets	1.0044%	2,178
Return on assets (ROA)	1.0044%	2,257
Pretax return on assets	1.6617%	1,138
Return on Equity (ROE)	10.4030%	1,962
Retained earnings to average equity (ytd only)	2.4496%	4,594
Net charge-offs to loans	0.0000%	6,371
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	48.5185%	7,313
Assets per employee ($millions)	4.1310%	3,523
Cash dividends to net income (ytd only)*	76.4526%	854
Condition Ratios (%)
Loss allowance to loans	1.9457%	2,312
Loan loss allowance to noncurrent loans	6,400.0000%	68
Noncurrent assets plus other real estate owned to assets	0.0166%	7,370
Noncurrent loans to loans	0.0304%	7,248
Net loans and leases to total assets	53.6765%	6,026
Net loans and leases to deposits	60.1108%	6,401
Net loans and leases to core deposits	61.9108%	6,561
Total domestic deposits to total assets	89.2959%	1,282
Equity capital to assets	9.6920%	4,413
Core capital (leverage) ratio	9.3726%	4,005
Tier 1 risk-based capital ratio	16.0417%	2,653
Total risk-based capital ratio	17.2995%	2,611
Memoranda:
Average total assets	$65,115,000	6,136
Average earning assets	$62,377,670	6,007
Average equity	$6,286,670	6,379
Average total loans	$35,962,000	6,245
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6598%	6,376
Cost of funding earning assets	1.7773%	1,982
Net interest margin	2.8825%	7,044
Noninterest income to average assets	0.2538%	6,119
Noninterest expense to average assets	1.5412%	7,693
Loan and lease loss provision to assets	0.0433%	6,243
Net operating income to assets	0.8913%	2,582
Return on assets (ROA)	0.8913%	2,653
Pretax return on assets	1.4298%	1,695
Return on Equity (ROE)	9.2500%	2,407
Retained earnings to average equity (ytd only)	-6.8091%	6,716
Net charge-offs to loans	0.0000%	5,609
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	51.1294%	7,226
Assets per employee ($millions)	4.0348%	3,794
Cash dividends to net income (ytd only)*	173.6111%	244
Condition Ratios (%)
Loss allowance to loans	2.0009%	2,188
Loan loss allowance to noncurrent loans	638.5321%	506
Noncurrent assets plus other real estate owned to assets	0.1688%	7,054
Noncurrent loans to loans	0.3134%	6,685
Net loans and leases to total assets	52.8045%	6,181
Net loans and leases to deposits	58.9765%	6,555
Net loans and leases to core deposits	60.5059%	6,705
Total domestic deposits to total assets	89.5348%	1,220
Equity capital to assets	9.5466%	4,455
Core capital (leverage) ratio	8.9655%	4,625
Tier 1 risk-based capital ratio	16.1133%	2,611
Total risk-based capital ratio	17.3723%	2,559
Memoranda:
Average total assets	$64,624,500	6,221
Average earning assets	$61,891,000	6,093
Average equity	$6,227,000	6,439
Average total loans	$35,852,000	6,322
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9734%	6,517
Cost of funding earning assets	2.1039%	2,441
Net interest margin	2.8694%	6,916
Noninterest income to average assets	0.2821%	6,089
Noninterest expense to average assets	1.8111%	7,593
Loan and lease loss provision to assets	0.0473%	7,092
Net operating income to assets	0.7240%	2,837
Return on assets (ROA)	0.7251%	2,909
Pretax return on assets	1.1727%	2,028
Return on Equity (ROE)	7.3824%	2,627
Retained earnings to average equity (ytd only)	0.1605%	4,814
Net charge-offs to loans	0.0028%	7,210
Credit loss provision to net charge-offs	3,000.0000%	114
Earnings coverage of net charge-offs (x)	773.0000%	31
Efficiency ratio	59.7815%	6,521
Assets per employee ($millions)	4.0433%	3,725
Cash dividends to net income (ytd only)*	97.8261%	681
Condition Ratios (%)
Loss allowance to loans	1.8662%	2,351
Loan loss allowance to noncurrent loans	801.1628%	432
Noncurrent assets plus other real estate owned to assets	0.1329%	7,149
Noncurrent loans to loans	0.2329%	6,847
Net loans and leases to total assets	56.0038%	5,953
Net loans and leases to deposits	62.8088%	6,382
Net loans and leases to core deposits	78.9170%	6,187
Total domestic deposits to total assets	89.1656%	1,402
Equity capital to assets	9.7245%	4,111
Core capital (leverage) ratio	9.2225%	4,088
Tier 1 risk-based capital ratio	15.7164%	2,636
Total risk-based capital ratio	16.9722%	2,574
Memoranda:
Average total assets	$63,443,200	6,222
Average earning assets	$60,743,400	6,101
Average equity	$6,231,000	6,523
Average total loans	$35,252,600	6,345
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9732%	6,684
Cost of funding earning assets	2.1704%	2,553
Net interest margin	2.8028%	7,060
Noninterest income to average assets	0.2830%	6,214
Noninterest expense to average assets	1.7170%	7,746
Loan and lease loss provision to assets	0.0465%	6,906
Net operating income to assets	0.7864%	2,873
Return on assets (ROA)	0.7878%	2,929
Pretax return on assets	1.2080%	2,243
Return on Equity (ROE)	8.0006%	2,633
Retained earnings to average equity (ytd only)	-1.6515%	5,644
Net charge-offs to loans	0.0038%	6,931
Credit loss provision to net charge-offs	2,200.0000%	177
Earnings coverage of net charge-offs (x)	594.4737%	52
Efficiency ratio	57.8236%	6,742
Assets per employee ($millions)	3.9519%	3,824
Cash dividends to net income (ytd only)*	120.6447%	399
Condition Ratios (%)
Loss allowance to loans	1.9396%	1,930
Loan loss allowance to noncurrent loans	661.1650%	510
Noncurrent assets plus other real estate owned to assets	0.1629%	7,130
Noncurrent loans to loans	0.2934%	6,778
Net loans and leases to total assets	54.4496%	6,330
Net loans and leases to deposits	62.0711%	6,667
Net loans and leases to core deposits	78.1838%	6,470
Total domestic deposits to total assets	87.7212%	1,791
Equity capital to assets	9.9081%	4,205
Core capital (leverage) ratio	9.0833%	4,523
Tier 1 risk-based capital ratio	16.2154%	2,551
Total risk-based capital ratio	17.4730%	2,484
Memoranda:
Average total assets	$63,131,000	6,278
Average earning assets	$60,509,750	6,156
Average equity	$6,216,000	6,588
Average total loans	$34,836,000	6,408
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9749%	6,850
Cost of funding earning assets	2.2166%	2,713
Net interest margin	2.7583%	7,091
Noninterest income to average assets	0.2758%	6,292
Noninterest expense to average assets	1.6514%	7,880
Loan and lease loss provision to assets	0.0475%	6,758
Net operating income to assets	0.7809%	2,927
Return on assets (ROA)	0.7829%	3,014
Pretax return on assets	1.2267%	2,226
Return on Equity (ROE)	7.9682%	2,785
Retained earnings to average equity (ytd only)	-6.5487%	6,516
Net charge-offs to loans	0.0058%	6,525
Credit loss provision to net charge-offs	1,500.0000%	332
Earnings coverage of net charge-offs (x)	401.0000%	92
Efficiency ratio	56.5076%	7,054
Assets per employee ($millions)	4.0259%	3,626
Cash dividends to net income (ytd only)*	182.1862%	266
Condition Ratios (%)
Loss allowance to loans	1.9506%	1,671
Loan loss allowance to noncurrent loans	717.0213%	477
Noncurrent assets plus other real estate owned to assets	0.1459%	7,199
Noncurrent loans to loans	0.2720%	6,845
Net loans and leases to total assets	52.5949%	6,615
Net loans and leases to deposits	59.9798%	6,890
Net loans and leases to core deposits	74.6513%	6,751
Total domestic deposits to total assets	87.6877%	1,935
Equity capital to assets	9.5754%	4,517
Core capital (leverage) ratio	8.7997%	4,944
Tier 1 risk-based capital ratio	15.9127%	2,657
Total risk-based capital ratio	17.1706%	2,598
Memoranda:
Average total assets	$63,097,670	6,326
Average earning assets	$60,544,000	6,199
Average equity	$6,199,670	6,646
Average total loans	$34,744,670	6,470
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1728%	6,403
Cost of funding earning assets	2.2819%	2,785
Net interest margin	2.8909%	6,768
Noninterest income to average assets	0.2947%	6,077
Noninterest expense to average assets	1.5247%	7,969
Loan and lease loss provision to assets	0.0513%	6,320
Net operating income to assets	1.0333%	2,182
Return on assets (ROA)	1.0378%	2,301
Pretax return on assets	1.4927%	1,686
Return on Equity (ROE)	10.4255%	2,155
Retained earnings to average equity (ytd only)	-18.5343%	7,603
Net charge-offs to loans	0.0000%	5,728
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	49.7908%	7,605
Assets per employee ($millions)	4.0134%	3,635
Cash dividends to net income (ytd only)*	277.7778%	172
Condition Ratios (%)
Loss allowance to loans	1.9660%	1,487
Loan loss allowance to noncurrent loans	33,400.0000%	15
Noncurrent assets plus other real estate owned to assets	0.0031%	7,655
Noncurrent loans to loans	0.0059%	7,559
Net loans and leases to total assets	51.8726%	6,696
Net loans and leases to deposits	59.0645%	6,971
Net loans and leases to core deposits	72.4256%	6,891
Total domestic deposits to total assets	87.8237%	1,833
Equity capital to assets	9.4635%	4,726
Core capital (leverage) ratio	9.0911%	4,570
Tier 1 risk-based capital ratio	15.9832%	2,694
Total risk-based capital ratio	17.2403%	2,632
Memoranda:
Average total assets	$62,439,000	6,382
Average earning assets	$59,774,000	6,269
Average equity	$6,215,500	6,684
Average total loans	$34,840,500	6,502
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9122%	5,977
Cost of funding earning assets	2.8390%	2,532
Net interest margin	3.0732%	6,731
Noninterest income to average assets	0.3156%	6,193
Noninterest expense to average assets	1.7692%	7,785
Loan and lease loss provision to assets	0.0486%	6,808
Net operating income to assets	0.9065%	2,970
Return on assets (ROA)	0.9324%	2,717
Pretax return on assets	1.4487%	1,830
Return on Equity (ROE)	8.3767%	2,902
Retained earnings to average equity (ytd only)	-15.6191%	7,493
Net charge-offs to loans	-0.0029%	7,758
Credit loss provision to net charge-offs	-3,000.0000%	7,501
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	54.8419%	7,169
Assets per employee ($millions)	4.0442%	3,427
Cash dividends to net income (ytd only)*	286.4583%	209
Condition Ratios (%)
Loss allowance to loans	1.8486%	1,534
Loan loss allowance to noncurrent loans	7,333.3333%	95
Noncurrent assets plus other real estate owned to assets	0.0148%	7,550
Noncurrent loans to loans	0.0252%	7,414
Net loans and leases to total assets	57.7667%	6,237
Net loans and leases to deposits	66.8568%	6,577
Net loans and leases to core deposits	80.6903%	6,562
Total domestic deposits to total assets	86.4036%	2,216
Equity capital to assets	10.4743%	3,534
Core capital (leverage) ratio	9.6532%	3,825
Tier 1 risk-based capital ratio	16.6241%	2,441
Total risk-based capital ratio	17.8806%	2,371
Memoranda:
Average total assets	$61,778,600	6,329
Average earning assets	$58,506,400	6,239
Average equity	$6,876,200	6,498
Average total loans	$34,396,000	6,464