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State Bank of Reeseville, Performance and Condition Ratios

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2024-12-31		Rank
Percentage of unprofitable institutions	0.0000%	319
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3103%	2,509
Cost of funding earning assets	3.0162%	482
Net interest margin	2.2941%	4,084
Noninterest income to average assets	0.1000%	4,209
Noninterest expense to average assets	1.9780%	3,650
Loan and lease loss provision to assets	0.0000%	3,171
Net operating income to assets	0.2966%	3,855
Return on assets (ROA)	0.2966%	3,880
Pretax return on assets	0.2966%	3,935
Return on Equity (ROE)	3.8300%	3,726
Retained earnings to average equity (ytd only)	3.8346%	2,695
Net charge-offs to loans	-0.0043%	3,883
Credit loss provision to net charge-offs	0.0000%	2,577
Earnings coverage of net charge-offs (x)	0.0000%	2,991
Efficiency ratio	86.9591%	637
Assets per employee ($millions)	9.0702%	1,046
Cash dividends to net income (ytd only)*	0.0000%	3,369
Condition Ratios (%)
Loss allowance to loans	0.7475%	3,987
Loan loss allowance to noncurrent loans	0.0000%	3,770
Noncurrent assets plus other real estate owned to assets	0.0000%	3,816
Noncurrent loans to loans	0.0000%	3,787
Net loans and leases to total assets	47.9600%	3,726
Net loans and leases to deposits	59.9274%	3,538
Net loans and leases to core deposits	107.7431%	1,039
Total domestic deposits to total assets	80.0400%	3,564
Equity capital to assets	7.1858%	3,896
Core capital (leverage) ratio	9.4990%	3,223
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,791
Memoranda:
Average total assets	$149,342,800	3,363
Average earning assets	$141,405,200	3,325
Average equity	$11,552,800	3,633
Average total loans	$70,251,400	3,563
2024-09-30		Rank
Percentage of unprofitable institutions	0.0000%	305
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2653%	2,527
Cost of funding earning assets	2.9504%	550
Net interest margin	2.3149%	4,063
Noninterest income to average assets	0.1000%	4,224
Noninterest expense to average assets	1.9451%	3,689
Loan and lease loss provision to assets	0.0000%	3,009
Net operating income to assets	0.3483%	3,782
Return on assets (ROA)	0.3483%	3,815
Pretax return on assets	0.3483%	3,893
Return on Equity (ROE)	4.4200%	3,648
Retained earnings to average equity (ytd only)	4.4211%	2,688
Net charge-offs to loans	-0.0039%	3,801
Credit loss provision to net charge-offs	0.0000%	2,285
Earnings coverage of net charge-offs (x)	0.0000%	2,734
Efficiency ratio	84.8116%	765
Assets per employee ($millions)	8.4680%	1,276
Cash dividends to net income (ytd only)*	0.0000%	3,021
Condition Ratios (%)
Loss allowance to loans	0.7592%	3,993
Loan loss allowance to noncurrent loans	0.0000%	3,813
Noncurrent assets plus other real estate owned to assets	0.0000%	3,861
Noncurrent loans to loans	0.0000%	3,830
Net loans and leases to total assets	47.6800%	3,745
Net loans and leases to deposits	60.4959%	3,567
Net loans and leases to core deposits	105.3638%	1,169
Total domestic deposits to total assets	78.8200%	3,629
Equity capital to assets	7.5087%	3,960
Core capital (leverage) ratio	9.6620%	3,129
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,827
Memoranda:
Average total assets	$148,130,000	3,373
Average earning assets	$140,362,750	3,345
Average equity	$11,671,000	3,627
Average total loans	$69,185,750	3,592
2024-06-30		Rank
Percentage of unprofitable institutions	0.0000%	306
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1972%	2,556
Cost of funding earning assets	2.7994%	663
Net interest margin	2.3978%	3,993
Noninterest income to average assets	0.1000%	4,231
Noninterest expense to average assets	1.9741%	3,612
Loan and lease loss provision to assets	0.0000%	2,867
Net operating income to assets	0.3940%	3,673
Return on assets (ROA)	0.3940%	3,711
Pretax return on assets	0.3940%	3,812
Return on Equity (ROE)	4.9200%	3,536
Retained earnings to average equity (ytd only)	4.9207%	2,360
Net charge-offs to loans	-0.0029%	3,691
Credit loss provision to net charge-offs	0.0000%	2,036
Earnings coverage of net charge-offs (x)	0.0000%	2,538
Efficiency ratio	83.3621%	895
Assets per employee ($millions)	9.2107%	934
Cash dividends to net income (ytd only)*	0.0000%	2,897
Condition Ratios (%)
Loss allowance to loans	0.8049%	3,924
Loan loss allowance to noncurrent loans	0.0000%	3,808
Noncurrent assets plus other real estate owned to assets	0.0000%	3,854
Noncurrent loans to loans	0.0000%	3,821
Net loans and leases to total assets	46.4100%	3,813
Net loans and leases to deposits	67.4983%	3,156
Net loans and leases to core deposits	99.0916%	1,541
Total domestic deposits to total assets	68.7600%	4,268
Equity capital to assets	8.0274%	3,407
Core capital (leverage) ratio	9.9408%	2,858
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,851
Memoranda:
Average total assets	$146,698,667	3,403
Average earning assets	$138,958,333	3,365
Average equity	$11,746,333	3,611
Average total loans	$67,835,333	3,621
2024-03-31		Rank
Percentage of unprofitable institutions	0.0000%	11
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1505%	2,503
Cost of funding earning assets	2.7020%	714
Net interest margin	2.4485%	3,945
Noninterest income to average assets	0.0900%	4,252
Noninterest expense to average assets	2.0005%	3,576
Loan and lease loss provision to assets	0.0000%	2,519
Net operating income to assets	0.4127%	3,588
Return on assets (ROA)	0.4127%	3,605
Pretax return on assets	0.4127%	3,734
Return on Equity (ROE)	5.1600%	3,415
Retained earnings to average equity (ytd only)	5.1604%	2,355
Net charge-offs to loans	-0.0059%	3,776
Credit loss provision to net charge-offs	0.0000%	1,619
Earnings coverage of net charge-offs (x)	0.0000%	2,130
Efficiency ratio	82.8992%	985
Assets per employee ($millions)	9.7099%	801
Cash dividends to net income (ytd only)*	0.0000%	2,272
Condition Ratios (%)
Loss allowance to loans	0.8332%	3,877
Loan loss allowance to noncurrent loans	0.0000%	3,825
Noncurrent assets plus other real estate owned to assets	0.0000%	3,894
Noncurrent loans to loans	0.0000%	3,844
Net loans and leases to total assets	45.3500%	3,836
Net loans and leases to deposits	57.4839%	3,652
Net loans and leases to core deposits	89.2916%	2,086
Total domestic deposits to total assets	78.9000%	3,689
Equity capital to assets	8.0791%	3,312
Core capital (leverage) ratio	9.7896%	2,952
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,874
Memoranda:
Average total assets	$146,362,500	3,414
Average earning assets	$138,861,000	3,374
Average equity	$11,704,500	3,620
Average total loans	$67,277,500	3,634
2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8008%	2,472
Cost of funding earning assets	1.9461%	998
Net interest margin	2.8547%	3,564
Noninterest income to average assets	0.1100%	4,240
Noninterest expense to average assets	1.9590%	3,714
Loan and lease loss provision to assets	0.0000%	3,179
Net operating income to assets	0.8533%	2,695
Return on assets (ROA)	0.8533%	2,668
Pretax return on assets	0.8563%	3,079
Return on Equity (ROE)	10.7500%	2,295
Retained earnings to average equity (ytd only)	9.8670%	1,055
Net charge-offs to loans	-0.0140%	4,059
Credit loss provision to net charge-offs	0.0000%	2,397
Earnings coverage of net charge-offs (x)	0.0000%	2,831
Efficiency ratio	69.5848%	1,933
Assets per employee ($millions)	9.8051%	752
Cash dividends to net income (ytd only)*	8.2024%	3,269
Condition Ratios (%)
Loss allowance to loans	0.8154%	3,931
Loan loss allowance to noncurrent loans	0.0000%	3,805
Noncurrent assets plus other real estate owned to assets	0.0000%	3,871
Noncurrent loans to loans	0.0000%	3,821
Net loans and leases to total assets	45.8200%	3,818
Net loans and leases to deposits	58.2018%	3,626
Net loans and leases to core deposits	96.4174%	1,629
Total domestic deposits to total assets	78.7200%	3,648
Equity capital to assets	7.9156%	3,469
Core capital (leverage) ratio	10.4572%	2,380
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,896
Memoranda:
Average total assets	$134,300,400	3,511
Average earning assets	$127,331,800	3,469
Average equity	$10,661,800	3,651
Average total loans	$64,422,000	3,639
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7634%	2,345
Cost of funding earning assets	1.7875%	1,032
Net interest margin	2.9759%	3,386
Noninterest income to average assets	0.1000%	4,299
Noninterest expense to average assets	2.0126%	3,564
Loan and lease loss provision to assets	0.0000%	2,992
Net operating income to assets	0.9448%	2,533
Return on assets (ROA)	0.9448%	2,522
Pretax return on assets	0.9112%	3,078
Return on Equity (ROE)	11.8900%	2,154
Retained earnings to average equity (ytd only)	11.8908%	992
Net charge-offs to loans	-0.0147%	4,047
Credit loss provision to net charge-offs	0.0000%	2,098
Earnings coverage of net charge-offs (x)	0.0000%	2,572
Efficiency ratio	68.8348%	1,926
Assets per employee ($millions)	8.8951%	964
Cash dividends to net income (ytd only)*	0.0000%	3,002
Condition Ratios (%)
Loss allowance to loans	0.8291%	3,921
Loan loss allowance to noncurrent loans	0.0000%	3,833
Noncurrent assets plus other real estate owned to assets	0.0000%	3,901
Noncurrent loans to loans	0.0000%	3,847
Net loans and leases to total assets	49.4900%	3,654
Net loans and leases to deposits	77.2981%	2,306
Net loans and leases to core deposits	95.1508%	1,609
Total domestic deposits to total assets	64.0200%	4,432
Equity capital to assets	7.5308%	3,338
Core capital (leverage) ratio	10.6137%	2,306
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,911
Memoranda:
Average total assets	$131,106,250	3,549
Average earning assets	$124,193,750	3,507
Average equity	$10,416,750	3,678
Average total loans	$63,541,750	3,663
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6216%	2,368
Cost of funding earning assets	1.5583%	1,149
Net interest margin	3.0633%	3,292
Noninterest income to average assets	0.1000%	4,323
Noninterest expense to average assets	1.9841%	3,630
Loan and lease loss provision to assets	0.0000%	2,857
Net operating income to assets	0.9683%	2,519
Return on assets (ROA)	0.9683%	2,516
Pretax return on assets	1.0297%	2,830
Return on Equity (ROE)	11.9700%	2,167
Retained earnings to average equity (ytd only)	11.9738%	992
Net charge-offs to loans	-0.0160%	4,064
Credit loss provision to net charge-offs	0.0000%	1,862
Earnings coverage of net charge-offs (x)	0.0000%	2,403
Efficiency ratio	65.8350%	2,260
Assets per employee ($millions)	8.7532%	980
Cash dividends to net income (ytd only)*	0.0000%	2,909
Condition Ratios (%)
Loss allowance to loans	0.8597%	3,876
Loan loss allowance to noncurrent loans	0.0000%	3,834
Noncurrent assets plus other real estate owned to assets	0.0000%	3,917
Noncurrent loans to loans	0.0000%	3,848
Net loans and leases to total assets	48.3100%	3,666
Net loans and leases to deposits	73.2853%	2,560
Net loans and leases to core deposits	91.8606%	1,694
Total domestic deposits to total assets	65.9200%	4,434
Equity capital to assets	8.3192%	3,009
Core capital (leverage) ratio	10.5988%	2,222
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,936
Memoranda:
Average total assets	$130,333,000	3,567
Average earning assets	$123,853,333	3,518
Average equity	$10,539,667	3,673
Average total loans	$62,529,000	3,681
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5158%	2,283
Cost of funding earning assets	1.3758%	1,076
Net interest margin	3.1400%	3,261
Noninterest income to average assets	0.1000%	4,366
Noninterest expense to average assets	1.9715%	3,691
Loan and lease loss provision to assets	0.0000%	2,553
Net operating income to assets	1.0350%	2,421
Return on assets (ROA)	1.0350%	2,387
Pretax return on assets	1.1213%	2,655
Return on Equity (ROE)	12.9900%	1,990
Retained earnings to average equity (ytd only)	12.9880%	1,099
Net charge-offs to loans	-0.0129%	3,938
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	63.7450%	2,493
Assets per employee ($millions)	9.9528%	712
Cash dividends to net income (ytd only)*	0.0000%	2,306
Condition Ratios (%)
Loss allowance to loans	0.8835%	3,901
Loan loss allowance to noncurrent loans	0.0000%	3,881
Noncurrent assets plus other real estate owned to assets	0.0000%	3,959
Noncurrent loans to loans	0.0000%	3,889
Net loans and leases to total assets	47.4300%	3,674
Net loans and leases to deposits	72.1030%	2,462
Net loans and leases to core deposits	91.1452%	1,553
Total domestic deposits to total assets	65.7800%	4,485
Equity capital to assets	8.1609%	3,132
Core capital (leverage) ratio	10.3044%	2,406
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,020
Memoranda:
Average total assets	$129,850,500	3,619
Average earning assets	$123,567,500	3,565
Average equity	$10,348,000	3,738
Average total loans	$61,805,000	3,732
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3266%	3,522
Cost of funding earning assets	0.7039%	573
Net interest margin	2.6227%	4,145
Noninterest income to average assets	0.1100%	4,393
Noninterest expense to average assets	1.7092%	4,158
Loan and lease loss provision to assets	0.0000%	2,926
Net operating income to assets	0.8619%	3,110
Return on assets (ROA)	0.8619%	3,039
Pretax return on assets	0.9228%	3,290
Return on Equity (ROE)	11.2100%	2,405
Retained earnings to average equity (ytd only)	10.2072%	1,093
Net charge-offs to loans	-0.0034%	3,544
Credit loss provision to net charge-offs	0.0000%	1,979
Earnings coverage of net charge-offs (x)	0.0000%	2,564
Efficiency ratio	64.9387%	2,370
Assets per employee ($millions)	10.0242%	669
Cash dividends to net income (ytd only)*	8.9362%	3,270
Condition Ratios (%)
Loss allowance to loans	0.8834%	3,827
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	46.9200%	3,740
Net loans and leases to deposits	70.0286%	2,577
Net loans and leases to core deposits	88.3758%	1,590
Total domestic deposits to total assets	67.0100%	4,519
Equity capital to assets	7.7788%	3,204
Core capital (leverage) ratio	10.2524%	2,413
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,055
Memoranda:
Average total assets	$136,320,800	3,573
Average earning assets	$131,124,400	3,517
Average equity	$10,482,800	3,813
Average total loans	$59,477,600	3,741
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0756%	3,726
Cost of funding earning assets	0.5646%	537
Net interest margin	2.5110%	4,200
Noninterest income to average assets	0.1100%	4,421
Noninterest expense to average assets	1.6620%	4,218
Loan and lease loss provision to assets	0.0000%	2,752
Net operating income to assets	0.8155%	3,186
Return on assets (ROA)	0.8155%	3,154
Pretax return on assets	0.8668%	3,433
Return on Equity (ROE)	10.6300%	2,533
Retained earnings to average equity (ytd only)	10.4956%	1,200
Net charge-offs to loans	0.0023%	2,190
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	896.0000%	174
Efficiency ratio	65.7230%	2,318
Assets per employee ($millions)	11.4179%	455
Cash dividends to net income (ytd only)*	1.3049%	3,060
Condition Ratios (%)
Loss allowance to loans	0.8746%	3,935
Loan loss allowance to noncurrent loans	0.0000%	3,983
Noncurrent assets plus other real estate owned to assets	0.0000%	4,052
Noncurrent loans to loans	0.0000%	3,992
Net loans and leases to total assets	48.9100%	3,538
Net loans and leases to deposits	74.5516%	2,000
Net loans and leases to core deposits	94.6637%	1,059
Total domestic deposits to total assets	65.6100%	4,585
Equity capital to assets	7.0854%	3,466
Core capital (leverage) ratio	9.9214%	2,632
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.0999%	1,401
Memoranda:
Average total assets	$137,822,250	3,575
Average earning assets	$132,955,750	3,515
Average equity	$10,569,250	3,856
Average total loans	$58,923,500	3,765
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.7989%	3,982
Cost of funding earning assets	0.4503%	692
Net interest margin	2.3486%	4,283
Noninterest income to average assets	0.1057%	4,461
Noninterest expense to average assets	1.6209%	4,277
Loan and lease loss provision to assets	0.0000%	2,599
Net operating income to assets	0.7372%	3,190
Return on assets (ROA)	0.7372%	3,146
Pretax return on assets	0.7639%	3,419
Return on Equity (ROE)	9.4014%	2,563
Retained earnings to average equity (ytd only)	9.2037%	1,228
Net charge-offs to loans	0.0104%	1,597
Credit loss provision to net charge-offs	0.0000%	1,663
Earnings coverage of net charge-offs (x)	180.6667%	575
Efficiency ratio	67.9669%	2,248
Assets per employee ($millions)	11.4021%	448
Cash dividends to net income (ytd only)*	2.1033%	2,910
Condition Ratios (%)
Loss allowance to loans	0.8890%	3,983
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,093
Noncurrent loans to loans	0.0000%	4,026
Net loans and leases to total assets	47.9984%	3,554
Net loans and leases to deposits	70.8614%	2,124
Net loans and leases to core deposits	79.4313%	1,754
Total domestic deposits to total assets	67.7356%	4,640
Equity capital to assets	7.7665%	3,296
Core capital (leverage) ratio	9.6045%	2,815
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.6721%	1,267
Memoranda:
Average total assets	$141,897,333	3,586
Average earning assets	$137,698,333	3,517
Average equity	$11,126,000	3,875
Average total loans	$57,906,667	3,825
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.5166%	4,245
Cost of funding earning assets	0.4117%	811
Net interest margin	2.1049%	4,443
Noninterest income to average assets	0.1066%	4,470
Noninterest expense to average assets	1.5959%	4,303
Loan and lease loss provision to assets	0.0000%	2,285
Net operating income to assets	0.5835%	3,453
Return on assets (ROA)	0.5835%	3,433
Pretax return on assets	0.5675%	3,712
Return on Equity (ROE)	7.4121%	2,904
Retained earnings to average equity (ytd only)	7.1752%	1,838
Net charge-offs to loans	-0.0142%	3,739
Credit loss provision to net charge-offs	0.0000%	1,336
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	73.7685%	1,769
Assets per employee ($millions)	12.8428%	319
Cash dividends to net income (ytd only)*	3.1963%	2,222
Condition Ratios (%)
Loss allowance to loans	0.9705%	3,834
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	39.2926%	4,055
Net loans and leases to deposits	52.5878%	3,527
Net loans and leases to core deposits	60.2776%	3,117
Total domestic deposits to total assets	74.7181%	4,552
Equity capital to assets	7.7220%	3,788
Core capital (leverage) ratio	7.9582%	4,334
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.9511%	1,055
Memoranda:
Average total assets	$150,134,500	3,515
Average earning assets	$146,705,000	3,440
Average equity	$11,818,500	3,877
Average total loans	$56,489,500	3,855
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2408%	3,374
Cost of funding earning assets	0.5518%	704
Net interest margin	2.6890%	3,894
Noninterest income to average assets	0.1084%	4,569
Noninterest expense to average assets	1.8825%	3,961
Loan and lease loss provision to assets	0.0000%	3,064
Net operating income to assets	0.7982%	3,336
Return on assets (ROA)	0.7572%	3,529
Pretax return on assets	0.8079%	3,705
Return on Equity (ROE)	7.7596%	3,299
Retained earnings to average equity (ytd only)	6.9444%	1,935
Net charge-offs to loans	0.0712%	1,079
Credit loss provision to net charge-offs	0.0000%	2,330
Earnings coverage of net charge-offs (x)	26.6341%	1,693
Efficiency ratio	68.8534%	1,875
Assets per employee ($millions)	13.2498%	291
Cash dividends to net income (ytd only)*	10.5046%	3,340
Condition Ratios (%)
Loss allowance to loans	0.9539%	3,921
Loan loss allowance to noncurrent loans	875.8065%	948
Noncurrent assets plus other real estate owned to assets	0.0390%	3,736
Noncurrent loans to loans	0.1089%	3,382
Net loans and leases to total assets	35.4615%	4,315
Net loans and leases to deposits	48.7064%	3,959
Net loans and leases to core deposits	55.5552%	3,658
Total domestic deposits to total assets	72.8066%	4,623
Equity capital to assets	8.0051%	4,359
Core capital (leverage) ratio	9.8573%	2,511
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.1205%	875
Memoranda:
Average total assets	$128,235,600	3,698
Average earning assets	$125,216,000	3,627
Average equity	$12,513,600	3,878
Average total loans	$57,546,000	3,859
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5302%	2,748
Cost of funding earning assets	0.5965%	649
Net interest margin	2.9337%	3,471
Noninterest income to average assets	0.1139%	4,605
Noninterest expense to average assets	2.0086%	3,646
Loan and lease loss provision to assets	0.0000%	2,963
Net operating income to assets	0.8782%	3,310
Return on assets (ROA)	0.8782%	3,384
Pretax return on assets	0.9667%	3,549
Return on Equity (ROE)	8.4963%	3,257
Retained earnings to average equity (ytd only)	8.4000%	1,912
Net charge-offs to loans	0.0994%	740
Credit loss provision to net charge-offs	0.0000%	2,044
Earnings coverage of net charge-offs (x)	20.3256%	1,734
Efficiency ratio	67.5093%	1,898
Assets per employee ($millions)	10.1953%	609
Cash dividends to net income (ytd only)*	1.1335%	3,222
Condition Ratios (%)
Loss allowance to loans	0.9751%	3,928
Loan loss allowance to noncurrent loans	872.5806%	886
Noncurrent assets plus other real estate owned to assets	0.0507%	3,803
Noncurrent loans to loans	0.1117%	3,535
Net loans and leases to total assets	44.9070%	3,874
Net loans and leases to deposits	68.3967%	2,406
Net loans and leases to core deposits	92.9974%	870
Total domestic deposits to total assets	65.6567%	4,797
Equity capital to assets	10.5440%	2,423
Core capital (leverage) ratio	10.1473%	2,357
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.0023%	692
Memoranda:
Average total assets	$120,545,000	3,836
Average earning assets	$117,573,000	3,756
Average equity	$12,460,000	3,940
Average total loans	$57,701,000	3,910
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4447%	3,039
Cost of funding earning assets	0.6206%	670
Net interest margin	2.8241%	3,736
Noninterest income to average assets	0.1134%	4,632
Noninterest expense to average assets	2.0626%	3,515
Loan and lease loss provision to assets	0.0000%	2,862
Net operating income to assets	0.7537%	3,632
Return on assets (ROA)	0.7537%	3,702
Pretax return on assets	0.8054%	3,860
Return on Equity (ROE)	7.3416%	3,567
Retained earnings to average equity (ytd only)	7.2604%	2,337
Net charge-offs to loans	0.1540%	539
Credit loss provision to net charge-offs	0.0000%	1,801
Earnings coverage of net charge-offs (x)	10.7333%	1,792
Efficiency ratio	71.9186%	1,444
Assets per employee ($millions)	9.9528%	615
Cash dividends to net income (ytd only)*	1.1062%	3,074
Condition Ratios (%)
Loss allowance to loans	0.9951%	3,836
Loan loss allowance to noncurrent loans	869.3548%	828
Noncurrent assets plus other real estate owned to assets	0.0519%	3,898
Noncurrent loans to loans	0.1145%	3,618
Net loans and leases to total assets	44.9001%	3,982
Net loans and leases to deposits	68.9732%	2,520
Net loans and leases to core deposits	92.5608%	971
Total domestic deposits to total assets	65.0979%	4,832
Equity capital to assets	10.5171%	2,380
Core capital (leverage) ratio	9.9942%	2,404
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	20.0255%	802
Memoranda:
Average total assets	$119,945,333	3,855
Average earning assets	$116,991,333	3,773
Average equity	$12,313,333	3,957
Average total loans	$58,440,667	3,919
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1297%	3,829
Cost of funding earning assets	0.6382%	735
Net interest margin	2.4915%	4,312
Noninterest income to average assets	0.1298%	4,555
Noninterest expense to average assets	1.8436%	4,125
Loan and lease loss provision to assets	0.0000%	2,741
Net operating income to assets	0.6888%	3,733
Return on assets (ROA)	0.6888%	3,801
Pretax return on assets	0.7155%	3,987
Return on Equity (ROE)	6.7927%	3,658
Retained earnings to average equity (ytd only)	6.6287%	2,687
Net charge-offs to loans	0.3037%	277
Credit loss provision to net charge-offs	0.0000%	1,471
Earnings coverage of net charge-offs (x)	4.6739%	1,719
Efficiency ratio	72.0416%	1,493
Assets per employee ($millions)	9.8686%	621
Cash dividends to net income (ytd only)*	2.4155%	2,394
Condition Ratios (%)
Loss allowance to loans	0.8729%	4,235
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,422
Noncurrent loans to loans	0.0000%	4,341
Net loans and leases to total assets	51.5913%	3,486
Net loans and leases to deposits	75.4887%	1,967
Net loans and leases to core deposits	110.9384%	383
Total domestic deposits to total assets	68.3431%	4,798
Equity capital to assets	10.3578%	2,387
Core capital (leverage) ratio	9.6795%	2,843
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	18.1357%	1,048
Memoranda:
Average total assets	$120,201,000	3,855
Average earning assets	$117,199,000	3,771
Average equity	$12,189,500	3,979
Average total loans	$60,578,500	3,909
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5921%	3,830
Cost of funding earning assets	0.9311%	764
Net interest margin	2.6610%	4,432
Noninterest income to average assets	0.1096%	4,709
Noninterest expense to average assets	1.9698%	4,199
Loan and lease loss provision to assets	0.0951%	3,155
Net operating income to assets	0.6135%	3,703
Return on assets (ROA)	0.7058%	3,549
Pretax return on assets	0.7294%	3,816
Return on Equity (ROE)	7.3296%	3,061
Retained earnings to average equity (ytd only)	5.6924%	1,953
Net charge-offs to loans	-0.0039%	4,074
Credit loss provision to net charge-offs	-5,250.0000%	4,336
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.9775%	1,573
Assets per employee ($millions)	10.1649%	501
Cash dividends to net income (ytd only)*	22.3363%	3,146
Condition Ratios (%)
Loss allowance to loans	0.9811%	3,936
Loan loss allowance to noncurrent loans	1,269.5652%	555
Noncurrent assets plus other real estate owned to assets	0.0377%	4,165
Noncurrent loans to loans	0.0773%	3,984
Net loans and leases to total assets	48.3190%	3,951
Net loans and leases to deposits	74.6385%	2,417
Net loans and leases to core deposits	111.5635%	469
Total domestic deposits to total assets	64.7374%	4,869
Equity capital to assets	9.9304%	3,198
Core capital (leverage) ratio	9.1415%	3,494
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.1791%	1,220
Memoranda:
Average total assets	$110,368,800	3,877
Average earning assets	$107,401,800	3,806
Average equity	$10,628,200	4,139
Average total loans	$51,816,200	4,073
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5796%	4,064
Cost of funding earning assets	1.0078%	745
Net interest margin	2.5718%	4,597
Noninterest income to average assets	0.1476%	4,564
Noninterest expense to average assets	1.9168%	4,297
Loan and lease loss provision to assets	0.0000%	4,239
Net operating income to assets	0.7667%	3,221
Return on assets (ROA)	0.7059%	3,542
Pretax return on assets	0.6712%	3,965
Return on Equity (ROE)	7.3964%	3,054
Retained earnings to average equity (ytd only)	6.3695%	1,937
Net charge-offs to loans	-0.0053%	4,067
Credit loss provision to net charge-offs	0.0000%	3,006
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.3653%	1,600
Assets per employee ($millions)	9.6312%	571
Cash dividends to net income (ytd only)*	13.8840%	3,017
Condition Ratios (%)
Loss allowance to loans	0.8458%	4,235
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,543
Noncurrent loans to loans	0.0000%	4,475
Net loans and leases to total assets	48.5888%	4,182
Net loans and leases to deposits	75.9255%	2,758
Net loans and leases to core deposits	111.6799%	636
Total domestic deposits to total assets	63.9954%	4,889
Equity capital to assets	10.1580%	3,096
Core capital (leverage) ratio	9.4640%	3,293
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	18.0649%	1,045
Memoranda:
Average total assets	$107,466,250	3,904
Average earning assets	$104,515,000	3,841
Average equity	$10,257,000	4,184
Average total loans	$49,889,500	4,135
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7028%	4,086
Cost of funding earning assets	1.1118%	690
Net interest margin	2.5909%	4,663
Noninterest income to average assets	0.1470%	4,570
Noninterest expense to average assets	1.9167%	4,384
Loan and lease loss provision to assets	0.0000%	4,134
Net operating income to assets	0.7827%	3,098
Return on assets (ROA)	0.6892%	3,529
Pretax return on assets	0.6548%	3,962
Return on Equity (ROE)	7.3955%	2,968
Retained earnings to average equity (ytd only)	7.3136%	1,531
Net charge-offs to loans	-0.0042%	3,964
Credit loss provision to net charge-offs	0.0000%	2,759
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	71.9198%	1,693
Assets per employee ($millions)	9.0531%	670
Cash dividends to net income (ytd only)*	1.1080%	3,173
Condition Ratios (%)
Loss allowance to loans	0.9511%	3,797
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	45.8196%	4,374
Net loans and leases to deposits	69.5384%	3,454
Net loans and leases to core deposits	105.5425%	906
Total domestic deposits to total assets	65.8910%	4,884
Equity capital to assets	10.3924%	2,844
Core capital (leverage) ratio	10.0715%	2,764
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	18.6526%	957
Memoranda:
Average total assets	$104,763,667	3,927
Average earning assets	$101,816,000	3,865
Average equity	$9,762,667	4,247
Average total loans	$47,641,000	4,183
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8193%	4,191
Cost of funding earning assets	1.2624%	630
Net interest margin	2.5569%	4,786
Noninterest income to average assets	0.1556%	4,598
Noninterest expense to average assets	1.9956%	4,402
Loan and lease loss provision to assets	0.0000%	3,711
Net operating income to assets	0.6380%	3,481
Return on assets (ROA)	0.6380%	3,547
Pretax return on assets	0.6419%	3,835
Return on Equity (ROE)	7.2897%	2,837
Retained earnings to average equity (ytd only)	7.1119%	1,497
Net charge-offs to loans	0.0086%	2,250
Credit loss provision to net charge-offs	0.0000%	2,252
Earnings coverage of net charge-offs (x)	165.0000%	398
Efficiency ratio	75.6637%	1,601
Assets per employee ($millions)	8.5603%	617
Cash dividends to net income (ytd only)*	2.4390%	2,563
Condition Ratios (%)
Loss allowance to loans	1.0194%	3,601
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	44.9928%	4,472
Net loans and leases to deposits	65.3554%	3,905
Net loans and leases to core deposits	105.6846%	1,078
Total domestic deposits to total assets	68.8434%	4,898
Equity capital to assets	7.2885%	5,051
Core capital (leverage) ratio	10.0673%	3,381
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.1680%	959
Memoranda:
Average total assets	$102,827,000	3,948
Average earning assets	$99,809,000	3,877
Average equity	$8,999,000	4,369
Average total loans	$46,334,000	4,224
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9992%	4,261
Cost of funding earning assets	1.1718%	1,090
Net interest margin	2.8275%	4,737
Noninterest income to average assets	0.1875%	4,541
Noninterest expense to average assets	2.1443%	4,280
Loan and lease loss provision to assets	0.0000%	3,973
Net operating income to assets	0.7640%	3,657
Return on assets (ROA)	0.7780%	3,697
Pretax return on assets	0.8144%	3,940
Return on Equity (ROE)	7.3653%	3,417
Retained earnings to average equity (ytd only)	6.3497%	1,694
Net charge-offs to loans	0.0472%	2,441
Credit loss provision to net charge-offs	0.0000%	3,383
Earnings coverage of net charge-offs (x)	36.5714%	1,392
Efficiency ratio	72.8334%	1,753
Assets per employee ($millions)	7.3522%	913
Cash dividends to net income (ytd only)*	13.7885%	3,662
Condition Ratios (%)
Loss allowance to loans	1.0375%	3,289
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,701
Noncurrent loans to loans	0.0000%	4,619
Net loans and leases to total assets	44.2015%	4,595
Net loans and leases to deposits	61.8695%	4,198
Net loans and leases to core deposits	96.7836%	1,831
Total domestic deposits to total assets	71.4430%	4,884
Equity capital to assets	10.2117%	3,720
Core capital (leverage) ratio	9.4977%	4,066
Tier 1 risk-based capital ratio	17.4406%	1,912
Total risk-based capital ratio	18.2876%	1,983
Memoranda:
Average total assets	$96,020,600	4,063
Average earning assets	$93,617,600	3,979
Average equity	$10,142,200	4,220
Average total loans	$44,483,600	4,295
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0081%	4,349
Cost of funding earning assets	1.1591%	1,143
Net interest margin	2.8491%	4,811
Noninterest income to average assets	0.1711%	4,691
Noninterest expense to average assets	2.1295%	4,308
Loan and lease loss provision to assets	0.0000%	3,836
Net operating income to assets	0.7840%	3,723
Return on assets (ROA)	0.8003%	3,745
Pretax return on assets	0.8357%	4,045
Return on Equity (ROE)	7.5090%	3,502
Retained earnings to average equity (ytd only)	7.2834%	1,723
Net charge-offs to loans	0.0574%	2,009
Credit loss provision to net charge-offs	0.0000%	3,032
Earnings coverage of net charge-offs (x)	30.4769%	1,610
Efficiency ratio	72.2302%	1,799
Assets per employee ($millions)	6.7806%	1,123
Cash dividends to net income (ytd only)*	3.0040%	3,517
Condition Ratios (%)
Loss allowance to loans	1.0418%	3,339
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,789
Noncurrent loans to loans	0.0000%	4,706
Net loans and leases to total assets	44.7335%	4,670
Net loans and leases to deposits	63.7272%	4,190
Net loans and leases to core deposits	107.4333%	1,089
Total domestic deposits to total assets	70.1954%	4,987
Equity capital to assets	10.4671%	3,566
Core capital (leverage) ratio	9.5789%	4,081
Tier 1 risk-based capital ratio	18.1451%	1,775
Total risk-based capital ratio	19.0377%	1,827
Memoranda:
Average total assets	$94,293,000	4,132
Average earning assets	$91,910,750	4,056
Average equity	$10,050,000	4,280
Average total loans	$44,111,000	4,357
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9930%	4,395
Cost of funding earning assets	1.0882%	1,344
Net interest margin	2.9048%	4,816
Noninterest income to average assets	0.1677%	4,747
Noninterest expense to average assets	2.0780%	4,452
Loan and lease loss provision to assets	0.0000%	3,685
Net operating income to assets	0.8571%	3,446
Return on assets (ROA)	0.8713%	3,460
Pretax return on assets	0.9366%	3,752
Return on Equity (ROE)	8.1207%	3,235
Retained earnings to average equity (ytd only)	7.9786%	1,405
Net charge-offs to loans	0.0874%	1,490
Credit loss provision to net charge-offs	0.0000%	2,725
Earnings coverage of net charge-offs (x)	22.2632%	1,699
Efficiency ratio	69.2810%	2,334
Assets per employee ($millions)	6.6667%	1,151
Cash dividends to net income (ytd only)*	1.7500%	3,413
Condition Ratios (%)
Loss allowance to loans	1.0771%	3,203
Loan loss allowance to noncurrent loans	11,975.0000%	70
Noncurrent assets plus other real estate owned to assets	0.0040%	4,797
Noncurrent loans to loans	0.0090%	4,683
Net loans and leases to total assets	43.9926%	4,730
Net loans and leases to deposits	62.4377%	4,311
Net loans and leases to core deposits	85.8115%	2,975
Total domestic deposits to total assets	70.4583%	5,031
Equity capital to assets	10.3019%	3,693
Core capital (leverage) ratio	9.9619%	3,622
Tier 1 risk-based capital ratio	18.7715%	1,608
Total risk-based capital ratio	19.7091%	1,646
Memoranda:
Average total assets	$91,821,000	4,191
Average earning assets	$89,506,000	4,125
Average equity	$9,851,330	4,321
Average total loans	$43,489,000	4,405
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9682%	4,436
Cost of funding earning assets	0.9546%	1,770
Net interest margin	3.0136%	4,731
Noninterest income to average assets	0.1641%	4,754
Noninterest expense to average assets	2.1019%	4,460
Loan and lease loss provision to assets	0.0000%	3,406
Net operating income to assets	0.8822%	3,300
Return on assets (ROA)	0.8982%	3,296
Pretax return on assets	1.0167%	3,391
Return on Equity (ROE)	8.1862%	3,175
Retained earnings to average equity (ytd only)	7.8953%	1,707
Net charge-offs to loans	0.1768%	777
Credit loss provision to net charge-offs	0.0000%	2,210
Earnings coverage of net charge-offs (x)	11.5263%	1,902
Efficiency ratio	67.7941%	2,666
Assets per employee ($millions)	7.2218%	908
Cash dividends to net income (ytd only)*	3.5533%	2,731
Condition Ratios (%)
Loss allowance to loans	1.1162%	3,037
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,905
Noncurrent loans to loans	0.0000%	4,814
Net loans and leases to total assets	48.9649%	4,530
Net loans and leases to deposits	74.7077%	3,382
Net loans and leases to core deposits	83.1892%	3,092
Total domestic deposits to total assets	65.5420%	5,212
Equity capital to assets	11.2991%	2,563
Core capital (leverage) ratio	10.7482%	2,803
Tier 1 risk-based capital ratio	19.4979%	1,439
Total risk-based capital ratio	20.4984%	1,466
Memoranda:
Average total assets	$87,731,000	4,299
Average earning assets	$85,478,500	4,232
Average equity	$9,626,000	4,385
Average total loans	$42,997,500	4,462
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6604%	4,727
Cost of funding earning assets	0.7607%	1,735
Net interest margin	2.8998%	4,922
Noninterest income to average assets	0.2572%	4,390
Noninterest expense to average assets	2.3292%	4,049
Loan and lease loss provision to assets	0.0178%	3,800
Net operating income to assets	0.6816%	4,194
Return on assets (ROA)	0.6816%	4,197
Pretax return on assets	0.7254%	4,350
Return on Equity (ROE)	6.2490%	4,094
Retained earnings to average equity (ytd only)	5.5644%	2,444
Net charge-offs to loans	-0.0024%	4,255
Credit loss provision to net charge-offs	-1,500.0000%	4,788
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	75.8102%	1,392
Assets per employee ($millions)	5.9200%	1,575
Cash dividends to net income (ytd only)*	10.9565%	3,810
Condition Ratios (%)
Loss allowance to loans	1.1559%	2,795
Loan loss allowance to noncurrent loans	1,185.7143%	540
Noncurrent assets plus other real estate owned to assets	0.0473%	4,612
Noncurrent loans to loans	0.0975%	4,301
Net loans and leases to total assets	47.9550%	4,643
Net loans and leases to deposits	69.8098%	3,843
Net loans and leases to core deposits	79.1054%	3,492
Total domestic deposits to total assets	68.6937%	5,194
Equity capital to assets	10.6532%	3,024
Core capital (leverage) ratio	10.7869%	2,747
Tier 1 risk-based capital ratio	19.1942%	1,479
Total risk-based capital ratio	20.2306%	1,483
Memoranda:
Average total assets	$84,363,200	4,352
Average earning assets	$81,903,400	4,290
Average equity	$9,201,400	4,437
Average total loans	$41,881,600	4,498
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5957%	4,814
Cost of funding earning assets	0.7231%	1,735
Net interest margin	2.8726%	5,012
Noninterest income to average assets	0.2370%	4,553
Noninterest expense to average assets	2.2613%	4,196
Loan and lease loss provision to assets	0.0000%	3,948
Net operating income to assets	0.6934%	4,244
Return on assets (ROA)	0.6934%	4,252
Pretax return on assets	0.7623%	4,395
Return on Equity (ROE)	6.3187%	4,164
Retained earnings to average equity (ytd only)	6.1581%	2,575
Net charge-offs to loans	0.0962%	1,531
Credit loss provision to net charge-offs	0.0000%	3,085
Earnings coverage of net charge-offs (x)	15.8663%	2,196
Efficiency ratio	74.7881%	1,483
Assets per employee ($millions)	4.9888%	2,479
Cash dividends to net income (ytd only)*	2.5411%	3,563
Condition Ratios (%)
Loss allowance to loans	1.0714%	3,348
Loan loss allowance to noncurrent loans	434.6154%	1,232
Noncurrent assets plus other real estate owned to assets	0.2276%	3,807
Noncurrent loans to loans	0.2465%	3,809
Net loans and leases to total assets	49.2112%	4,647
Net loans and leases to deposits	72.5692%	3,724
Net loans and leases to core deposits	82.9560%	3,251
Total domestic deposits to total assets	67.8128%	5,286
Equity capital to assets	10.8560%	2,792
Core capital (leverage) ratio	10.8489%	2,735
Tier 1 risk-based capital ratio	19.6188%	1,416
Total risk-based capital ratio	20.6102%	1,430
Memoranda:
Average total assets	$83,254,000	4,418
Average earning assets	$80,762,000	4,353
Average equity	$9,136,750	4,486
Average total loans	$41,581,500	4,551
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5555%	4,841
Cost of funding earning assets	0.6727%	1,792
Net interest margin	2.8827%	5,037
Noninterest income to average assets	0.2490%	4,515
Noninterest expense to average assets	2.1466%	4,495
Loan and lease loss provision to assets	0.0000%	3,782
Net operating income to assets	0.8146%	3,807
Return on assets (ROA)	0.8146%	3,814
Pretax return on assets	0.8993%	3,970
Return on Equity (ROE)	7.3958%	3,768
Retained earnings to average equity (ytd only)	7.3080%	1,915
Net charge-offs to loans	0.0000%	3,209
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.4762%	2,242
Assets per employee ($millions)	4.5544%	3,045
Cash dividends to net income (ytd only)*	1.1869%	3,442
Condition Ratios (%)
Loss allowance to loans	1.1687%	2,887
Loan loss allowance to noncurrent loans	512.7660%	1,072
Noncurrent assets plus other real estate owned to assets	0.2232%	3,886
Noncurrent loans to loans	0.2279%	3,903
Net loans and leases to total assets	49.7182%	4,623
Net loans and leases to deposits	77.9659%	3,162
Net loans and leases to core deposits	86.9451%	2,828
Total domestic deposits to total assets	63.7692%	5,417
Equity capital to assets	11.3759%	2,291
Core capital (leverage) ratio	10.7880%	2,713
Tier 1 risk-based capital ratio	18.5499%	1,664
Total risk-based capital ratio	19.5772%	1,683
Memoranda:
Average total assets	$82,735,330	4,473
Average earning assets	$80,271,000	4,397
Average equity	$9,113,330	4,524
Average total loans	$41,379,330	4,602
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4381%	4,968
Cost of funding earning assets	0.6350%	1,810
Net interest margin	2.8030%	5,154
Noninterest income to average assets	0.1877%	4,898
Noninterest expense to average assets	2.1224%	4,612
Loan and lease loss provision to assets	0.0000%	3,508
Net operating income to assets	0.6978%	4,108
Return on assets (ROA)	0.6978%	4,115
Pretax return on assets	0.7845%	4,191
Return on Equity (ROE)	6.4394%	4,008
Retained earnings to average equity (ytd only)	6.2618%	2,601
Net charge-offs to loans	0.0000%	2,722
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	73.0132%	2,040
Assets per employee ($millions)	5.4425%	1,994
Cash dividends to net income (ytd only)*	2.7586%	2,719
Condition Ratios (%)
Loss allowance to loans	1.1741%	2,960
Loan loss allowance to noncurrent loans	688.5714%	830
Noncurrent assets plus other real estate owned to assets	0.1948%	4,107
Noncurrent loans to loans	0.1705%	4,214
Net loans and leases to total assets	49.6950%	4,583
Net loans and leases to deposits	76.4822%	3,159
Net loans and leases to core deposits	95.0050%	2,058
Total domestic deposits to total assets	64.9759%	5,476
Equity capital to assets	11.0684%	2,513
Core capital (leverage) ratio	10.3095%	3,180
Tier 1 risk-based capital ratio	18.8659%	1,586
Total risk-based capital ratio	19.9373%	1,596
Memoranda:
Average total assets	$83,113,000	4,514
Average earning assets	$80,627,000	4,440
Average equity	$9,007,000	4,583
Average total loans	$41,448,500	4,649
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6336%	4,495
Cost of funding earning assets	0.4549%	2,722
Net interest margin	3.1787%	4,498
Noninterest income to average assets	0.1463%	5,218
Noninterest expense to average assets	2.3344%	4,245
Loan and lease loss provision to assets	0.0000%	4,227
Net operating income to assets	0.8300%	3,034
Return on assets (ROA)	0.8300%	3,070
Pretax return on assets	0.8885%	3,951
Return on Equity (ROE)	7.2487%	3,152
Retained earnings to average equity (ytd only)	6.4588%	1,296
Net charge-offs to loans	0.0819%	2,287
Credit loss provision to net charge-offs	0.0000%	3,708
Earnings coverage of net charge-offs (x)	19.6471%	2,012
Efficiency ratio	72.4309%	2,158
Assets per employee ($millions)	5.6392%	1,803
Cash dividends to net income (ytd only)*	10.8974%	3,918
Condition Ratios (%)
Loss allowance to loans	1.1519%	3,045
Loan loss allowance to noncurrent loans	153.9936%	2,759
Noncurrent assets plus other real estate owned to assets	0.4823%	2,956
Noncurrent loans to loans	0.7480%	2,334
Net loans and leases to total assets	48.8994%	4,708
Net loans and leases to deposits	74.7151%	3,455
Net loans and leases to core deposits	92.2787%	2,346
Total domestic deposits to total assets	65.4478%	5,529
Equity capital to assets	10.6138%	3,034
Core capital (leverage) ratio	10.0887%	3,340
Tier 1 risk-based capital ratio	17.9442%	1,816
Total risk-based capital ratio	18.9811%	1,827
Memoranda:
Average total assets	$75,180,000	4,685
Average earning assets	$72,765,400	4,604
Average equity	$8,608,400	4,686
Average total loans	$41,500,000	4,681
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6536%	4,438
Cost of funding earning assets	0.3954%	3,246
Net interest margin	3.2582%	4,301
Noninterest income to average assets	0.1356%	5,329
Noninterest expense to average assets	2.4120%	3,989
Loan and lease loss provision to assets	0.0000%	4,088
Net operating income to assets	0.8193%	3,440
Return on assets (ROA)	0.8193%	3,481
Pretax return on assets	0.8798%	4,103
Return on Equity (ROE)	6.9985%	3,664
Retained earnings to average equity (ytd only)	6.9985%	1,688
Net charge-offs to loans	0.1095%	1,695
Credit loss provision to net charge-offs	0.0000%	3,274
Earnings coverage of net charge-offs (x)	14.1182%	2,317
Efficiency ratio	73.2739%	2,002
Assets per employee ($millions)	5.6047%	1,825
Cash dividends to net income (ytd only)*	0.0000%	3,680
Condition Ratios (%)
Loss allowance to loans	1.1599%	3,147
Loan loss allowance to noncurrent loans	153.9936%	2,729
Noncurrent assets plus other real estate owned to assets	0.5773%	2,792
Noncurrent loans to loans	0.7532%	2,478
Net loans and leases to total assets	52.3462%	4,544
Net loans and leases to deposits	77.0330%	3,268
Net loans and leases to core deposits	95.7414%	2,104
Total domestic deposits to total assets	67.9530%	5,539
Equity capital to assets	11.3438%	2,529
Core capital (leverage) ratio	10.7582%	2,694
Tier 1 risk-based capital ratio	18.7517%	1,661
Total risk-based capital ratio	19.8493%	1,653
Memoranda:
Average total assets	$72,746,750	4,779
Average earning assets	$70,467,000	4,704
Average equity	$8,516,000	4,744
Average total loans	$41,413,750	4,729
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6849%	4,271
Cost of funding earning assets	0.3273%	3,828
Net interest margin	3.3576%	3,920
Noninterest income to average assets	0.1468%	5,328
Noninterest expense to average assets	2.4675%	3,859
Loan and lease loss provision to assets	0.0000%	3,871
Net operating income to assets	0.8667%	3,090
Return on assets (ROA)	0.8667%	3,144
Pretax return on assets	0.9232%	3,855
Return on Equity (ROE)	7.3203%	3,382
Retained earnings to average equity (ytd only)	7.3203%	1,442
Net charge-offs to loans	0.1982%	1,018
Credit loss provision to net charge-offs	0.0000%	2,905
Earnings coverage of net charge-offs (x)	7.9756%	2,551
Efficiency ratio	72.7727%	2,218
Assets per employee ($millions)	5.1625%	2,199
Cash dividends to net income (ytd only)*	0.0000%	3,521
Condition Ratios (%)
Loss allowance to loans	1.1411%	3,365
Loan loss allowance to noncurrent loans	131.9444%	3,034
Noncurrent assets plus other real estate owned to assets	0.5876%	2,810
Noncurrent loans to loans	0.8648%	2,251
Net loans and leases to total assets	53.1438%	4,475
Net loans and leases to deposits	80.3126%	2,875
Net loans and leases to core deposits	95.5070%	2,025
Total domestic deposits to total assets	66.1712%	5,635
Equity capital to assets	11.3266%	2,471
Core capital (leverage) ratio	11.4192%	2,029
Tier 1 risk-based capital ratio	18.8901%	1,611
Total risk-based capital ratio	20.0000%	1,615
Memoranda:
Average total assets	$70,840,330	4,849
Average earning assets	$68,441,670	4,777
Average equity	$8,387,670	4,786
Average total loans	$41,366,330	4,766
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8688%	3,512
Cost of funding earning assets	0.3085%	3,953
Net interest margin	3.5603%	3,042
Noninterest income to average assets	0.1481%	5,376
Noninterest expense to average assets	2.6058%	3,476
Loan and lease loss provision to assets	0.0000%	3,537
Net operating income to assets	0.8943%	2,793
Return on assets (ROA)	0.8943%	2,838
Pretax return on assets	0.9594%	3,548
Return on Equity (ROE)	7.3694%	3,225
Retained earnings to average equity (ytd only)	7.3694%	1,706
Net charge-offs to loans	0.3977%	461
Credit loss provision to net charge-offs	0.0000%	2,277
Earnings coverage of net charge-offs (x)	3.9512%	2,435
Efficiency ratio	73.0897%	2,391
Assets per employee ($millions)	4.4455%	3,261
Cash dividends to net income (ytd only)*	0.0000%	2,824
Condition Ratios (%)
Loss allowance to loans	1.1538%	3,394
Loan loss allowance to noncurrent loans	97.1370%	3,664
Noncurrent assets plus other real estate owned to assets	0.8758%	2,110
Noncurrent loans to loans	1.1878%	1,701
Net loans and leases to total assets	61.0285%	3,658
Net loans and leases to deposits	84.0268%	2,284
Net loans and leases to core deposits	89.5577%	2,391
Total domestic deposits to total assets	72.6298%	5,511
Equity capital to assets	12.5716%	1,484
Core capital (leverage) ratio	11.7442%	1,791
Tier 1 risk-based capital ratio	19.1498%	1,576
Total risk-based capital ratio	20.2990%	1,566
Memoranda:
Average total assets	$67,542,000	4,962
Average earning assets	$64,826,000	4,907
Average equity	$8,196,000	4,861
Average total loans	$41,235,500	4,807
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7953%	3,930
Cost of funding earning assets	0.2166%	4,870
Net interest margin	3.5786%	3,144
Noninterest income to average assets	0.1587%	5,418
Noninterest expense to average assets	2.4662%	4,114
Loan and lease loss provision to assets	0.0534%	3,316
Net operating income to assets	0.9052%	2,793
Return on assets (ROA)	0.9254%	2,818
Pretax return on assets	1.0930%	3,130
Return on Equity (ROE)	7.8838%	3,011
Retained earnings to average equity (ytd only)	6.9867%	1,232
Net charge-offs to loans	-0.1123%	5,622
Credit loss provision to net charge-offs	-81.8182%	4,866
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	68.7190%	3,124
Assets per employee ($millions)	4.2751%	3,483
Cash dividends to net income (ytd only)*	11.3782%	3,993
Condition Ratios (%)
Loss allowance to loans	1.2494%	2,826
Loan loss allowance to noncurrent loans	95.9108%	3,714
Noncurrent assets plus other real estate owned to assets	0.9254%	2,049
Noncurrent loans to loans	1.3026%	1,574
Net loans and leases to total assets	59.6254%	3,894
Net loans and leases to deposits	83.1397%	2,520
Net loans and leases to core deposits	90.6696%	2,441
Total domestic deposits to total assets	71.7172%	5,583
Equity capital to assets	11.7087%	2,004
Core capital (leverage) ratio	11.7227%	1,778
Tier 1 risk-based capital ratio	18.4604%	1,736
Total risk-based capital ratio	19.6583%	1,718
Memoranda:
Average total assets	$67,432,000	4,982
Average earning assets	$64,633,400	4,928
Average equity	$7,915,000	4,947
Average total loans	$39,176,000	4,904
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7035%	4,242
Cost of funding earning assets	0.1839%	5,234
Net interest margin	3.5196%	3,397
Noninterest income to average assets	0.1587%	5,479
Noninterest expense to average assets	2.3416%	4,430
Loan and lease loss provision to assets	0.0714%	2,785
Net operating income to assets	0.9669%	2,583
Return on assets (ROA)	0.9942%	2,602
Pretax return on assets	1.1569%	3,014
Return on Equity (ROE)	8.4646%	2,776
Retained earnings to average equity (ytd only)	7.6536%	1,336
Net charge-offs to loans	-0.1691%	5,719
Credit loss provision to net charge-offs	-73.4694%	4,719
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	66.1806%	3,561
Assets per employee ($millions)	4.2922%	3,430
Cash dividends to net income (ytd only)*	9.5811%	3,563
Condition Ratios (%)
Loss allowance to loans	1.2818%	2,787
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.1383%	4,884
Noncurrent loans to loans	0.0000%	5,428
Net loans and leases to total assets	58.4288%	4,056
Net loans and leases to deposits	82.9855%	2,600
Net loans and leases to core deposits	94.6100%	2,141
Total domestic deposits to total assets	70.4084%	5,673
Equity capital to assets	11.7670%	2,289
Core capital (leverage) ratio	11.6115%	1,945
Tier 1 risk-based capital ratio	18.3762%	1,812
Total risk-based capital ratio	19.6059%	1,787
Memoranda:
Average total assets	$67,189,500	5,034
Average earning assets	$64,513,500	4,971
Average equity	$7,891,500	5,005
Average total loans	$38,644,750	4,968
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6369%	4,482
Cost of funding earning assets	0.1901%	5,238
Net interest margin	3.4468%	3,698
Noninterest income to average assets	0.1499%	5,550
Noninterest expense to average assets	2.3600%	4,454
Loan and lease loss provision to assets	0.0540%	3,067
Net operating income to assets	0.9234%	2,753
Return on assets (ROA)	0.9656%	2,690
Pretax return on assets	1.1005%	3,196
Return on Equity (ROE)	8.2265%	2,872
Retained earnings to average equity (ytd only)	7.0258%	1,587
Net charge-offs to loans	0.1843%	1,239
Credit loss provision to net charge-offs	51.4286%	2,655
Earnings coverage of net charge-offs (x)	10.5429%	2,329
Efficiency ratio	68.0796%	3,329
Assets per employee ($millions)	4.4693%	3,087
Cash dividends to net income (ytd only)*	14.5963%	3,357
Condition Ratios (%)
Loss allowance to loans	1.0601%	4,169
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	5,652
Noncurrent loans to loans	0.0000%	5,521
Net loans and leases to total assets	58.3302%	4,085
Net loans and leases to deposits	81.1893%	2,793
Net loans and leases to core deposits	94.5706%	2,103
Total domestic deposits to total assets	71.8447%	5,677
Equity capital to assets	11.9900%	2,127
Core capital (leverage) ratio	11.5921%	1,917
Tier 1 risk-based capital ratio	19.2320%	1,643
Total risk-based capital ratio	20.2947%	1,655
Memoranda:
Average total assets	$66,694,330	5,089
Average earning assets	$64,176,000	5,026
Average equity	$7,828,330	5,056
Average total loans	$37,977,330	5,041
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5654%	4,725
Cost of funding earning assets	0.1817%	5,360
Net interest margin	3.3837%	3,924
Noninterest income to average assets	0.1564%	5,555
Noninterest expense to average assets	2.3634%	4,482
Loan and lease loss provision to assets	0.0000%	3,656
Net operating income to assets	0.9468%	2,524
Return on assets (ROA)	1.0344%	2,267
Pretax return on assets	1.1366%	2,950
Return on Equity (ROE)	8.9079%	2,466
Retained earnings to average equity (ytd only)	8.9079%	1,142
Net charge-offs to loans	-0.0108%	4,562
Credit loss provision to net charge-offs	0.0000%	2,416
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.4346%	3,223
Assets per employee ($millions)	4.3540%	3,314
Cash dividends to net income (ytd only)*	0.0000%	2,863
Condition Ratios (%)
Loss allowance to loans	1.1436%	3,811
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	5,696
Noncurrent loans to loans	0.0000%	5,543
Net loans and leases to total assets	57.8426%	4,061
Net loans and leases to deposits	75.7084%	3,250
Net loans and leases to core deposits	80.9276%	3,241
Total domestic deposits to total assets	76.4018%	5,369
Equity capital to assets	11.6307%	2,308
Core capital (leverage) ratio	11.4212%	2,035
Tier 1 risk-based capital ratio	18.3313%	1,901
Total risk-based capital ratio	19.4056%	1,905
Memoranda:
Average total assets	$66,514,000	5,135
Average earning assets	$63,836,000	5,082
Average equity	$7,723,500	5,105
Average total loans	$37,204,500	5,107
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6107%	4,639
Cost of funding earning assets	0.1751%	5,501
Net interest margin	3.4356%	3,774
Noninterest income to average assets	0.1662%	5,588
Noninterest expense to average assets	2.6566%	3,740
Loan and lease loss provision to assets	0.0000%	4,380
Net operating income to assets	0.7275%	3,683
Return on assets (ROA)	0.7203%	3,816
Pretax return on assets	0.7948%	4,207
Return on Equity (ROE)	6.1003%	3,991
Retained earnings to average equity (ytd only)	4.7864%	2,591
Net charge-offs to loans	-0.0111%	5,131
Credit loss provision to net charge-offs	0.0000%	3,899
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.7963%	2,150
Assets per employee ($millions)	4.5145%	3,024
Cash dividends to net income (ytd only)*	21.5385%	3,722
Condition Ratios (%)
Loss allowance to loans	1.2046%	3,455
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	5,750
Noncurrent loans to loans	0.0000%	5,583
Net loans and leases to total assets	52.8058%	4,621
Net loans and leases to deposits	67.8874%	4,138
Net loans and leases to core deposits	72.7400%	4,067
Total domestic deposits to total assets	77.7843%	5,206
Equity capital to assets	11.5937%	2,285
Core capital (leverage) ratio	11.4545%	1,999
Tier 1 risk-based capital ratio	19.0871%	1,687
Total risk-based capital ratio	20.1921%	1,678
Memoranda:
Average total assets	$63,164,200	5,238
Average earning assets	$60,541,800	5,171
Average equity	$7,458,600	5,158
Average total loans	$35,981,800	5,153
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6328%	4,634
Cost of funding earning assets	0.1724%	5,608
Net interest margin	3.4603%	3,718
Noninterest income to average assets	0.1634%	5,666
Noninterest expense to average assets	2.6010%	3,878
Loan and lease loss provision to assets	0.0000%	4,232
Net operating income to assets	0.8004%	3,424
Return on assets (ROA)	0.7868%	3,581
Pretax return on assets	0.8684%	4,097
Return on Equity (ROE)	6.6298%	3,824
Retained earnings to average equity (ytd only)	5.7423%	2,406
Net charge-offs to loans	-0.0074%	4,908
Credit loss provision to net charge-offs	0.0000%	3,517
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	74.6453%	2,450
Assets per employee ($millions)	4.3087%	3,307
Cash dividends to net income (ytd only)*	13.3876%	3,474
Condition Ratios (%)
Loss allowance to loans	1.1844%	3,743
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	5,840
Noncurrent loans to loans	0.0000%	5,684
Net loans and leases to total assets	56.0235%	4,355
Net loans and leases to deposits	72.8546%	3,665
Net loans and leases to core deposits	89.8083%	2,487
Total domestic deposits to total assets	76.8977%	5,358
Equity capital to assets	11.3786%	2,608
Core capital (leverage) ratio	11.8633%	1,767
Tier 1 risk-based capital ratio	18.9958%	1,777
Total risk-based capital ratio	20.0958%	1,780
Memoranda:
Average total assets	$62,025,750	5,340
Average earning assets	$59,530,750	5,261
Average equity	$7,360,500	5,243
Average total loans	$35,928,500	5,218
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6185%	4,670
Cost of funding earning assets	0.1670%	5,726
Net interest margin	3.4516%	3,703
Noninterest income to average assets	0.1602%	5,750
Noninterest expense to average assets	2.5475%	4,082
Loan and lease loss provision to assets	0.0000%	4,069
Net operating income to assets	0.8422%	3,159
Return on assets (ROA)	0.8274%	3,343
Pretax return on assets	0.9091%	3,922
Return on Equity (ROE)	6.8725%	3,685
Retained earnings to average equity (ytd only)	5.5415%	2,515
Net charge-offs to loans	0.0000%	3,893
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	73.3522%	2,773
Assets per employee ($millions)	4.1488%	3,573
Cash dividends to net income (ytd only)*	19.3676%	3,207
Condition Ratios (%)
Loss allowance to loans	1.2061%	3,756
Loan loss allowance to noncurrent loans	533.3333%	989
Noncurrent assets plus other real estate owned to assets	0.1302%	5,334
Noncurrent loans to loans	0.2261%	4,872
Net loans and leases to total assets	56.8630%	4,239
Net loans and leases to deposits	74.3065%	3,457
Net loans and leases to core deposits	89.9997%	2,351
Total domestic deposits to total assets	76.5249%	5,532
Equity capital to assets	11.8830%	2,116
Core capital (leverage) ratio	12.5382%	1,360
Tier 1 risk-based capital ratio	18.8810%	1,815
Total risk-based capital ratio	19.9867%	1,831
Memoranda:
Average total assets	$61,157,670	5,415
Average earning assets	$58,697,670	5,340
Average equity	$7,362,670	5,285
Average total loans	$35,690,670	5,271
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7838%	4,076
Cost of funding earning assets	0.3101%	4,325
Net interest margin	3.4736%	3,536
Noninterest income to average assets	6.7172%	103
Noninterest expense to average assets	9.1058%	91
Loan and lease loss provision to assets	0.0000%	3,703
Net operating income to assets	0.8578%	2,972
Return on assets (ROA)	0.8578%	3,091
Pretax return on assets	0.9370%	3,757
Return on Equity (ROE)	7.0782%	3,464
Retained earnings to average equity (ytd only)	6.9693%	2,023
Net charge-offs to loans	-0.0561%	5,576
Credit loss provision to net charge-offs	0.0000%	2,491
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	90.6702%	801
Assets per employee ($millions)	3.9852%	3,992
Cash dividends to net income (ytd only)*	1.5385%	2,851
Condition Ratios (%)
Loss allowance to loans	1.2425%	3,726
Loan loss allowance to noncurrent loans	128.5294%	3,107
Noncurrent assets plus other real estate owned to assets	0.5688%	3,774
Noncurrent loans to loans	0.9667%	2,836
Net loans and leases to total assets	58.1033%	3,932
Net loans and leases to deposits	73.9929%	3,316
Net loans and leases to core deposits	80.1463%	3,140
Total domestic deposits to total assets	78.5255%	5,348
Equity capital to assets	12.3892%	1,763
Core capital (leverage) ratio	12.2108%	1,502
Tier 1 risk-based capital ratio	19.7907%	1,671
Total risk-based capital ratio	20.9754%	1,647
Memoranda:
Average total assets	$60,620,500	5,488
Average earning assets	$58,037,500	5,417
Average equity	$7,346,500	5,334
Average total loans	$35,626,500	5,315
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6257%	5,013
Cost of funding earning assets	0.1862%	5,866
Net interest margin	3.4395%	4,023
Noninterest income to average assets	0.1268%	6,059
Noninterest expense to average assets	2.6886%	3,910
Loan and lease loss provision to assets	0.0000%	4,603
Net operating income to assets	0.6479%	4,156
Return on assets (ROA)	0.6325%	4,329
Pretax return on assets	0.6893%	4,661
Return on Equity (ROE)	5.2032%	4,555
Retained earnings to average equity (ytd only)	4.0912%	3,289
Net charge-offs to loans	-0.0928%	6,094
Credit loss provision to net charge-offs	0.0000%	4,203
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	79.2035%	2,037
Assets per employee ($millions)	4.0975%	3,724
Cash dividends to net income (ytd only)*	21.3720%	3,761
Condition Ratios (%)
Loss allowance to loans	1.1972%	4,018
Loan loss allowance to noncurrent loans	116.1290%	3,381
Noncurrent assets plus other real estate owned to assets	0.6052%	3,777
Noncurrent loans to loans	1.0310%	2,764
Net loans and leases to total assets	58.0040%	4,045
Net loans and leases to deposits	71.9699%	3,685
Net loans and leases to core deposits	78.8669%	3,426
Total domestic deposits to total assets	80.5948%	4,859
Equity capital to assets	11.8559%	2,125
Core capital (leverage) ratio	12.2920%	1,455
Tier 1 risk-based capital ratio	19.3129%	1,770
Total risk-based capital ratio	20.4050%	1,771
Memoranda:
Average total assets	$59,919,600	5,551
Average earning assets	$56,926,800	5,491
Average equity	$7,284,000	5,352
Average total loans	$33,401,600	5,424
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0614%	3,519
Cost of funding earning assets	0.6305%	1,598
Net interest margin	3.4309%	4,106
Noninterest income to average assets	0.1187%	6,170
Noninterest expense to average assets	3.0570%	2,607
Loan and lease loss provision to assets	0.0000%	4,401
Net operating income to assets	0.2921%	5,614
Return on assets (ROA)	0.6316%	4,401
Pretax return on assets	0.6808%	4,759
Return on Equity (ROE)	5.1624%	4,644
Retained earnings to average equity (ytd only)	4.5583%	3,403
Net charge-offs to loans	-0.1181%	6,191
Credit loss provision to net charge-offs	0.0000%	3,801
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	90.6375%	800
Assets per employee ($millions)	4.0301%	3,814
Cash dividends to net income (ytd only)*	11.7024%	3,508
Condition Ratios (%)
Loss allowance to loans	1.2327%	4,055
Loan loss allowance to noncurrent loans	130.6991%	3,040
Noncurrent assets plus other real estate owned to assets	0.5442%	4,239
Noncurrent loans to loans	0.9432%	3,205
Net loans and leases to total assets	56.9933%	4,203
Net loans and leases to deposits	70.9347%	3,807
Net loans and leases to core deposits	85.6145%	2,704
Total domestic deposits to total assets	80.3461%	4,999
Equity capital to assets	12.6433%	1,614
Core capital (leverage) ratio	12.5564%	1,375
Tier 1 risk-based capital ratio	19.7559%	1,725
Total risk-based capital ratio	20.8750%	1,723
Memoranda:
Average total assets	$59,533,750	5,622
Average earning assets	$56,465,750	5,564
Average equity	$7,283,250	5,393
Average total loans	$32,731,250	5,507
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9677%	3,860
Cost of funding earning assets	0.6096%	1,816
Net interest margin	3.3581%	4,362
Noninterest income to average assets	0.1081%	6,254
Noninterest expense to average assets	2.9074%	3,138
Loan and lease loss provision to assets	0.0000%	4,196
Net operating income to assets	0.3489%	5,406
Return on assets (ROA)	0.5943%	4,477
Pretax return on assets	0.6483%	4,792
Return on Equity (ROE)	4.9139%	4,717
Retained earnings to average equity (ytd only)	3.9926%	3,642
Net charge-offs to loans	-0.3748%	6,475
Credit loss provision to net charge-offs	0.0000%	3,401
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	88.3984%	1,050
Assets per employee ($millions)	3.7376%	4,374
Cash dividends to net income (ytd only)*	18.7500%	3,217
Condition Ratios (%)
Loss allowance to loans	1.3906%	3,402
Loan loss allowance to noncurrent loans	334.7826%	1,371
Noncurrent assets plus other real estate owned to assets	0.2308%	5,407
Noncurrent loans to loans	0.4154%	4,743
Net loans and leases to total assets	54.7824%	4,437
Net loans and leases to deposits	67.2793%	4,142
Net loans and leases to core deposits	78.5786%	3,372
Total domestic deposits to total assets	81.4254%	4,834
Equity capital to assets	12.3608%	1,731
Core capital (leverage) ratio	12.8251%	1,228
Tier 1 risk-based capital ratio	20.1015%	1,662
Total risk-based capital ratio	21.3235%	1,641
Memoranda:
Average total assets	$59,228,000	5,680
Average earning assets	$56,103,000	5,616
Average equity	$7,163,330	5,445
Average total loans	$32,014,000	5,576
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8961%	4,098
Cost of funding earning assets	0.5740%	2,212
Net interest margin	3.3221%	4,452
Noninterest income to average assets	0.1086%	6,301
Noninterest expense to average assets	2.5653%	4,393
Loan and lease loss provision to assets	0.0000%	3,817
Net operating income to assets	0.6226%	4,081
Return on assets (ROA)	0.5361%	4,596
Pretax return on assets	0.5904%	4,859
Return on Equity (ROE)	4.4829%	4,800
Retained earnings to average equity (ytd only)	4.4829%	3,429
Net charge-offs to loans	0.0000%	3,660
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	78.9144%	2,349
Assets per employee ($millions)	3.8546%	4,227
Cash dividends to net income (ytd only)*	0.0000%	2,852
Condition Ratios (%)
Loss allowance to loans	1.2888%	4,184
Loan loss allowance to noncurrent loans	114.8571%	3,288
Noncurrent assets plus other real estate owned to assets	1.0083%	3,245
Noncurrent loans to loans	1.1220%	3,180
Net loans and leases to total assets	53.2541%	4,517
Net loans and leases to deposits	63.6691%	4,353
Net loans and leases to core deposits	74.9647%	3,527
Total domestic deposits to total assets	83.6421%	4,404
Equity capital to assets	12.4284%	1,619
Core capital (leverage) ratio	12.5861%	1,346
Tier 1 risk-based capital ratio	21.7586%	1,330
Total risk-based capital ratio	22.9344%	1,320
Memoranda:
Average total assets	$58,941,000	5,742
Average earning assets	$55,748,500	5,679
Average equity	$7,049,000	5,501
Average total loans	$31,409,500	5,658
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9413%	4,314
Cost of funding earning assets	0.3378%	5,265
Net interest margin	3.6035%	3,452
Noninterest income to average assets	0.2078%	5,838
Noninterest expense to average assets	2.7069%	4,072
Loan and lease loss provision to assets	0.0924%	3,266
Net operating income to assets	0.6819%	3,891
Return on assets (ROA)	0.7247%	3,770
Pretax return on assets	0.8703%	3,886
Return on Equity (ROE)	5.9206%	4,131
Retained earnings to average equity (ytd only)	4.7452%	2,781
Net charge-offs to loans	0.1401%	3,408
Credit loss provision to net charge-offs	118.1818%	2,031
Earnings coverage of net charge-offs (x)	11.6591%	2,213
Efficiency ratio	74.8159%	2,988
Assets per employee ($millions)	4.0042%	3,855
Cash dividends to net income (ytd only)*	19.8529%	3,722
Condition Ratios (%)
Loss allowance to loans	1.2711%	4,287
Loan loss allowance to noncurrent loans	168.2008%	2,419
Noncurrent assets plus other real estate owned to assets	0.7858%	3,922
Noncurrent loans to loans	0.7557%	4,079
Net loans and leases to total assets	51.9854%	4,849
Net loans and leases to deposits	61.2451%	4,800
Net loans and leases to core deposits	71.9546%	4,077
Total domestic deposits to total assets	84.8809%	3,808
Equity capital to assets	11.5079%	2,160
Core capital (leverage) ratio	12.5616%	1,326
Tier 1 risk-based capital ratio	20.1388%	1,621
Total risk-based capital ratio	21.2387%	1,627
Memoranda:
Average total assets	$56,300,400	5,855
Average earning assets	$53,281,400	5,795
Average equity	$6,891,200	5,598
Average total loans	$31,397,200	5,693
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9377%	4,357
Cost of funding earning assets	0.3072%	5,672
Net interest margin	3.6305%	3,317
Noninterest income to average assets	0.2143%	5,896
Noninterest expense to average assets	2.7890%	3,698
Loan and lease loss provision to assets	0.1252%	2,730
Net operating income to assets	0.6294%	4,223
Return on assets (ROA)	0.6888%	4,051
Pretax return on assets	0.8140%	4,244
Return on Equity (ROE)	5.5376%	4,451
Retained earnings to average equity (ytd only)	4.6083%	3,390
Net charge-offs to loans	0.1872%	2,724
Credit loss provision to net charge-offs	118.1818%	1,987
Earnings coverage of net charge-offs (x)	8.2039%	2,662
Efficiency ratio	76.2344%	2,693
Assets per employee ($millions)	3.7579%	4,328
Cash dividends to net income (ytd only)*	16.7838%	3,222
Condition Ratios (%)
Loss allowance to loans	1.2720%	4,530
Loan loss allowance to noncurrent loans	293.4307%	1,403
Noncurrent assets plus other real estate owned to assets	0.6564%	4,467
Noncurrent loans to loans	0.4335%	5,112
Net loans and leases to total assets	55.3549%	4,407
Net loans and leases to deposits	65.6035%	4,346
Net loans and leases to core deposits	81.0194%	2,999
Total domestic deposits to total assets	84.3779%	4,040
Equity capital to assets	11.9303%	1,958
Core capital (leverage) ratio	12.6615%	1,343
Tier 1 risk-based capital ratio	22.2115%	1,281
Total risk-based capital ratio	23.4550%	1,263
Memoranda:
Average total assets	$55,359,750	5,956
Average earning assets	$52,517,250	5,885
Average equity	$6,886,000	5,670
Average total loans	$31,340,000	5,749
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9234%	4,388
Cost of funding earning assets	0.2605%	6,099
Net interest margin	3.6629%	3,122
Noninterest income to average assets	0.2036%	5,991
Noninterest expense to average assets	2.7334%	3,914
Loan and lease loss provision to assets	0.1890%	2,001
Net operating income to assets	0.6335%	4,137
Return on assets (ROA)	0.7342%	3,802
Pretax return on assets	0.8760%	4,005
Return on Equity (ROE)	5.8216%	4,272
Retained earnings to average equity (ytd only)	4.4383%	3,449
Net charge-offs to loans	0.2816%	2,069
Credit loss provision to net charge-offs	118.1818%	1,880
Earnings coverage of net charge-offs (x)	5.9091%	2,808
Efficiency ratio	74.3083%	3,074
Assets per employee ($millions)	3.9684%	3,876
Cash dividends to net income (ytd only)*	23.7624%	2,860
Condition Ratios (%)
Loss allowance to loans	1.3019%	4,501
Loan loss allowance to noncurrent loans	432.2581%	993
Noncurrent assets plus other real estate owned to assets	0.8712%	4,062
Noncurrent loans to loans	0.3012%	5,554
Net loans and leases to total assets	54.8572%	4,470
Net loans and leases to deposits	68.6620%	3,913
Net loans and leases to core deposits	78.1341%	3,269
Total domestic deposits to total assets	79.8945%	5,629
Equity capital to assets	12.2505%	1,739
Core capital (leverage) ratio	13.1369%	1,119
Tier 1 risk-based capital ratio	20.9697%	1,500
Total risk-based capital ratio	22.1574%	1,486
Memoranda:
Average total assets	$55,023,330	6,000
Average earning assets	$52,199,670	5,933
Average equity	$6,939,670	5,701
Average total loans	$31,251,670	5,793
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0992%	3,732
Cost of funding earning assets	0.2779%	6,117
Net interest margin	3.8213%	2,371
Noninterest income to average assets	0.1899%	6,110
Noninterest expense to average assets	2.5860%	4,448
Loan and lease loss provision to assets	0.1096%	2,873
Net operating income to assets	0.8912%	2,692
Return on assets (ROA)	0.8912%	2,840
Pretax return on assets	1.1104%	2,915
Return on Equity (ROE)	6.9650%	3,507
Retained earnings to average equity (ytd only)	6.9650%	2,168
Net charge-offs to loans	-0.0127%	5,529
Credit loss provision to net charge-offs	-1,500.0000%	5,692
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.9463%	4,321
Assets per employee ($millions)	4.2355%	3,470
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	1.3106%	4,647
Loan loss allowance to noncurrent loans	191.5888%	1,965
Noncurrent assets plus other real estate owned to assets	1.1224%	3,694
Noncurrent loans to loans	0.6841%	4,762
Net loans and leases to total assets	56.0705%	4,068
Net loans and leases to deposits	68.5168%	3,710
Net loans and leases to core deposits	77.3004%	3,159
Total domestic deposits to total assets	81.8347%	5,256
Equity capital to assets	12.7804%	1,545
Core capital (leverage) ratio	12.7292%	1,232
Tier 1 risk-based capital ratio	20.8202%	1,579
Total risk-based capital ratio	22.0315%	1,563
Memoranda:
Average total assets	$54,756,500	6,049
Average earning assets	$51,814,500	5,997
Average equity	$7,006,500	5,742
Average total loans	$31,438,000	5,825
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1843%	4,652
Cost of funding earning assets	0.3271%	6,325
Net interest margin	3.8572%	2,996
Noninterest income to average assets	0.1888%	6,054
Noninterest expense to average assets	2.9034%	3,623
Loan and lease loss provision to assets	0.4057%	1,598
Net operating income to assets	0.3629%	5,243
Return on assets (ROA)	0.8637%	3,227
Pretax return on assets	1.1722%	2,899
Return on Equity (ROE)	6.7220%	3,805
Retained earnings to average equity (ytd only)	5.9508%	2,103
Net charge-offs to loans	0.4168%	2,577
Credit loss provision to net charge-offs	172.2222%	1,528
Earnings coverage of net charge-offs (x)	3.8254%	3,585
Efficiency ratio	76.3145%	2,695
Assets per employee ($millions)	4.5377%	2,894
Cash dividends to net income (ytd only)*	11.4719%	4,027
Condition Ratios (%)
Loss allowance to loans	1.2471%	4,891
Loan loss allowance to noncurrent loans	216.4835%	1,727
Noncurrent assets plus other real estate owned to assets	0.9348%	4,167
Noncurrent loans to loans	0.5761%	5,087
Net loans and leases to total assets	57.2963%	4,086
Net loans and leases to deposits	65.9961%	4,286
Net loans and leases to core deposits	72.0947%	4,037
Total domestic deposits to total assets	86.8177%	2,927
Equity capital to assets	12.8113%	1,539
Core capital (leverage) ratio	12.8679%	1,168
Tier 1 risk-based capital ratio	20.0098%	1,676
Total risk-based capital ratio	21.1483%	1,675
Memoranda:
Average total assets	$53,488,200	6,106
Average earning assets	$50,140,200	6,045
Average equity	$6,873,000	5,798
Average total loans	$30,232,000	5,938
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2091%	4,790
Cost of funding earning assets	0.3454%	6,401
Net interest margin	3.8637%	3,059
Noninterest income to average assets	0.1853%	6,196
Noninterest expense to average assets	2.8045%	3,968
Loan and lease loss provision to assets	0.5434%	1,082
Net operating income to assets	0.3331%	5,500
Return on assets (ROA)	0.9766%	2,850
Pretax return on assets	1.3321%	2,488
Return on Equity (ROE)	7.5941%	3,483
Retained earnings to average equity (ytd only)	6.6789%	2,289
Net charge-offs to loans	0.5620%	1,928
Credit loss provision to net charge-offs	172.2222%	1,616
Earnings coverage of net charge-offs (x)	3.1507%	3,767
Efficiency ratio	73.8299%	3,015
Assets per employee ($millions)	4.0135%	3,842
Cash dividends to net income (ytd only)*	12.0522%	3,357
Condition Ratios (%)
Loss allowance to loans	1.2925%	4,846
Loan loss allowance to noncurrent loans	163.4855%	2,114
Noncurrent assets plus other real estate owned to assets	1.1519%	3,986
Noncurrent loans to loans	0.7906%	4,823
Net loans and leases to total assets	57.6702%	4,183
Net loans and leases to deposits	66.9455%	4,345
Net loans and leases to core deposits	77.9675%	3,466
Total domestic deposits to total assets	86.1450%	3,172
Equity capital to assets	13.3356%	1,422
Core capital (leverage) ratio	13.1899%	1,116
Tier 1 risk-based capital ratio	20.7960%	1,573
Total risk-based capital ratio	21.9902%	1,554
Memoranda:
Average total assets	$53,247,250	6,182
Average earning assets	$49,795,250	6,124
Average equity	$6,847,250	5,872
Average total loans	$29,891,750	6,027
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2312%	4,842
Cost of funding earning assets	0.3686%	6,424
Net interest margin	3.8626%	3,076
Noninterest income to average assets	0.2089%	6,067
Noninterest expense to average assets	2.7647%	4,158
Loan and lease loss provision to assets	0.8059%	618
Net operating income to assets	0.1838%	5,965
Return on assets (ROA)	0.7910%	3,678
Pretax return on assets	1.0037%	3,696
Return on Equity (ROE)	6.2258%	4,195
Retained earnings to average equity (ytd only)	4.8456%	3,369
Net charge-offs to loans	0.8621%	1,280
Credit loss provision to net charge-offs	168.7500%	1,656
Earnings coverage of net charge-offs (x)	2.1797%	3,893
Efficiency ratio	72.6471%	3,316
Assets per employee ($millions)	3.5556%	4,856
Cash dividends to net income (ytd only)*	22.1698%	2,903
Condition Ratios (%)
Loss allowance to loans	1.3237%	4,779
Loan loss allowance to noncurrent loans	425.0000%	850
Noncurrent assets plus other real estate owned to assets	1.1325%	4,124
Noncurrent loans to loans	0.3115%	5,930
Net loans and leases to total assets	54.6518%	4,681
Net loans and leases to deposits	65.3572%	4,593
Net loans and leases to core deposits	77.1908%	3,629
Total domestic deposits to total assets	83.6202%	4,478
Equity capital to assets	12.7911%	1,633
Core capital (leverage) ratio	12.8423%	1,202
Tier 1 risk-based capital ratio	20.8396%	1,513
Total risk-based capital ratio	22.0621%	1,489
Memoranda:
Average total assets	$53,604,330	6,205
Average earning assets	$49,915,000	6,162
Average equity	$6,810,330	5,903
Average total loans	$29,694,330	6,078
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4135%	4,276
Cost of funding earning assets	0.4005%	6,409
Net interest margin	4.0130%	2,451
Noninterest income to average assets	0.2159%	6,071
Noninterest expense to average assets	2.6126%	4,772
Loan and lease loss provision to assets	0.1116%	3,961
Net operating income to assets	0.9453%	2,718
Return on assets (ROA)	0.9453%	2,926
Pretax return on assets	1.2207%	2,835
Return on Equity (ROE)	7.4656%	3,520
Retained earnings to average equity (ytd only)	7.4656%	2,193
Net charge-offs to loans	0.0000%	4,730
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	66.2264%	4,518
Assets per employee ($millions)	4.0633%	3,879
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	1.0720%	6,001
Loan loss allowance to noncurrent loans	121.8391%	2,584
Noncurrent assets plus other real estate owned to assets	1.5050%	3,601
Noncurrent loans to loans	0.8798%	4,910
Net loans and leases to total assets	55.5572%	4,462
Net loans and leases to deposits	64.2321%	4,598
Net loans and leases to core deposits	76.3907%	3,570
Total domestic deposits to total assets	86.4945%	3,247
Equity capital to assets	13.0436%	1,420
Core capital (leverage) ratio	12.5617%	1,312
Tier 1 risk-based capital ratio	20.6277%	1,556
Total risk-based capital ratio	21.6148%	1,598
Memoranda:
Average total assets	$53,739,500	6,240
Average earning assets	$49,938,000	6,199
Average equity	$6,804,500	5,930
Average total loans	$29,772,000	6,121
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5062%	5,051
Cost of funding earning assets	0.5479%	6,349
Net interest margin	3.9582%	3,076
Noninterest income to average assets	0.2469%	5,762
Noninterest expense to average assets	3.0891%	3,239
Loan and lease loss provision to assets	0.4128%	2,531
Net operating income to assets	0.4661%	4,559
Return on assets (ROA)	0.5748%	4,304
Pretax return on assets	0.5491%	4,841
Return on Equity (ROE)	4.4950%	4,631
Retained earnings to average equity (ytd only)	3.7690%	3,532
Net charge-offs to loans	0.4156%	3,346
Credit loss provision to net charge-offs	168.5484%	1,597
Earnings coverage of net charge-offs (x)	3.4839%	3,504
Efficiency ratio	78.3567%	2,546
Assets per employee ($millions)	3.9040%	4,064
Cash dividends to net income (ytd only)*	16.1512%	3,679
Condition Ratios (%)
Loss allowance to loans	1.0141%	6,150
Loan loss allowance to noncurrent loans	77.4936%	3,746
Noncurrent assets plus other real estate owned to assets	1.6942%	3,409
Noncurrent loans to loans	1.3086%	4,189
Net loans and leases to total assets	54.1130%	5,022
Net loans and leases to deposits	63.8129%	5,039
Net loans and leases to core deposits	76.4514%	3,913
Total domestic deposits to total assets	84.7995%	3,960
Equity capital to assets	12.2933%	1,918
Core capital (leverage) ratio	12.7622%	1,237
Tier 1 risk-based capital ratio	19.9297%	1,663
Total risk-based capital ratio	20.8563%	1,694
Memoranda:
Average total assets	$50,629,000	6,347
Average earning assets	$47,268,600	6,280
Average equity	$6,473,800	6,018
Average total loans	$29,839,600	6,167
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5988%	4,867
Cost of funding earning assets	0.5892%	6,333
Net interest margin	4.0097%	2,878
Noninterest income to average assets	0.2230%	6,022
Noninterest expense to average assets	3.1813%	2,878
Loan and lease loss provision to assets	0.4810%	2,061
Net operating income to assets	0.3149%	5,338
Return on assets (ROA)	0.4568%	4,930
Pretax return on assets	0.4756%	5,240
Return on Equity (ROE)	3.5347%	5,209
Retained earnings to average equity (ytd only)	3.5347%	4,223
Net charge-offs to loans	0.1654%	4,466
Credit loss provision to net charge-offs	483.7838%	576
Earnings coverage of net charge-offs (x)	8.1354%	2,232
Efficiency ratio	79.7306%	2,290
Assets per employee ($millions)	3.5624%	4,845
Cash dividends to net income (ytd only)*	0.0000%	3,512
Condition Ratios (%)
Loss allowance to loans	1.1966%	5,480
Loan loss allowance to noncurrent loans	68.3112%	4,028
Noncurrent assets plus other real estate owned to assets	2.3419%	2,740
Noncurrent loans to loans	1.7518%	3,698
Net loans and leases to total assets	59.5994%	4,208
Net loans and leases to deposits	69.1738%	4,428
Net loans and leases to core deposits	81.9995%	3,328
Total domestic deposits to total assets	86.1588%	3,125
Equity capital to assets	13.2396%	1,496
Core capital (leverage) ratio	13.0856%	1,193
Tier 1 risk-based capital ratio	16.2458%	2,993
Total risk-based capital ratio	17.1472%	3,123
Memoranda:
Average total assets	$49,622,250	6,429
Average earning assets	$46,619,500	6,362
Average equity	$6,412,500	6,081
Average total loans	$29,829,750	6,227
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5808%	5,049
Cost of funding earning assets	0.6133%	6,392
Net interest margin	3.9674%	3,002
Noninterest income to average assets	0.1857%	6,335
Noninterest expense to average assets	3.2863%	2,612
Loan and lease loss provision to assets	0.4360%	2,249
Net operating income to assets	0.1857%	5,790
Return on assets (ROA)	0.3755%	5,197
Pretax return on assets	0.3997%	5,396
Return on Equity (ROE)	2.9296%	5,420
Retained earnings to average equity (ytd only)	2.9296%	4,419
Net charge-offs to loans	0.0202%	5,558
Credit loss provision to net charge-offs	3,600.0000%	90
Earnings coverage of net charge-offs (x)	52.3333%	609
Efficiency ratio	83.8311%	1,838
Assets per employee ($millions)	3.0274%	6,024
Cash dividends to net income (ytd only)*	0.0000%	3,290
Condition Ratios (%)
Loss allowance to loans	1.0811%	6,033
Loan loss allowance to noncurrent loans	46.9477%	5,200
Noncurrent assets plus other real estate owned to assets	2.4237%	2,735
Noncurrent loans to loans	2.3028%	3,098
Net loans and leases to total assets	61.0128%	4,083
Net loans and leases to deposits	72.8092%	3,982
Net loans and leases to core deposits	81.8013%	3,539
Total domestic deposits to total assets	83.7982%	4,432
Equity capital to assets	13.2290%	1,420
Core capital (leverage) ratio	12.8843%	1,206
Tier 1 risk-based capital ratio	16.9417%	2,549
Total risk-based capital ratio	17.8001%	2,672
Memoranda:
Average total assets	$49,538,670	6,494
Average earning assets	$46,629,670	6,418
Average equity	$6,349,000	6,126
Average total loans	$29,745,000	6,295
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6049%	4,921
Cost of funding earning assets	0.6299%	6,475
Net interest margin	3.9750%	2,799
Noninterest income to average assets	0.2156%	6,194
Noninterest expense to average assets	3.1864%	2,941
Loan and lease loss provision to assets	0.1437%	4,209
Net operating income to assets	0.5670%	4,198
Return on assets (ROA)	0.5670%	4,272
Pretax return on assets	0.6149%	4,632
Return on Equity (ROE)	4.4940%	4,660
Retained earnings to average equity (ytd only)	4.4940%	3,476
Net charge-offs to loans	0.0000%	5,107
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	80.7692%	2,400
Assets per employee ($millions)	3.3450%	5,376
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	0.7888%	6,942
Loan loss allowance to noncurrent loans	95.9350%	2,985
Noncurrent assets plus other real estate owned to assets	1.4928%	4,019
Noncurrent loans to loans	0.8222%	5,388
Net loans and leases to total assets	59.1570%	4,435
Net loans and leases to deposits	71.6195%	4,122
Net loans and leases to core deposits	82.2376%	3,427
Total domestic deposits to total assets	82.5989%	5,070
Equity capital to assets	12.7215%	1,513
Core capital (leverage) ratio	12.7035%	1,239
Tier 1 risk-based capital ratio	19.4967%	1,698
Total risk-based capital ratio	20.2179%	1,772
Memoranda:
Average total assets	$50,088,500	6,530
Average earning assets	$46,993,500	6,453
Average equity	$6,319,500	6,149
Average total loans	$29,679,000	6,350
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8507%	5,230
Cost of funding earning assets	0.8379%	6,409
Net interest margin	4.0129%	2,962
Noninterest income to average assets	0.2757%	5,810
Noninterest expense to average assets	3.0454%	3,672
Loan and lease loss provision to assets	0.5640%	2,868
Net operating income to assets	0.4409%	4,358
Return on assets (ROA)	0.5409%	4,072
Pretax return on assets	0.5472%	4,484
Return on Equity (ROE)	4.1192%	4,471
Retained earnings to average equity (ytd only)	3.3499%	3,524
Net charge-offs to loans	1.5909%	1,369
Credit loss provision to net charge-offs	57.3876%	6,128
Earnings coverage of net charge-offs (x)	1.0278%	5,088
Efficiency ratio	75.0908%	3,191
Assets per employee ($millions)	3.3335%	5,351
Cash dividends to net income (ytd only)*	18.6770%	3,501
Condition Ratios (%)
Loss allowance to loans	0.7405%	7,067
Loan loss allowance to noncurrent loans	126.7442%	2,315
Noncurrent assets plus other real estate owned to assets	1.4199%	4,218
Noncurrent loans to loans	0.5842%	5,878
Net loans and leases to total assets	58.4417%	4,961
Net loans and leases to deposits	66.9861%	5,257
Net loans and leases to core deposits	76.0435%	4,707
Total domestic deposits to total assets	87.2445%	2,703
Equity capital to assets	12.5115%	1,625
Core capital (leverage) ratio	12.8737%	1,173
Tier 1 risk-based capital ratio	19.1577%	1,681
Total risk-based capital ratio	19.8225%	1,787
Memoranda:
Average total assets	$47,514,000	6,617
Average earning assets	$44,756,000	6,552
Average equity	$6,239,000	6,295
Average total loans	$29,354,000	6,432
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9343%	5,112
Cost of funding earning assets	0.8766%	6,483
Net interest margin	4.0577%	2,823
Noninterest income to average assets	0.2815%	5,859
Noninterest expense to average assets	3.0737%	3,452
Loan and lease loss provision to assets	0.6511%	2,347
Net operating income to assets	0.3809%	4,831
Return on assets (ROA)	0.5147%	4,433
Pretax return on assets	0.5232%	4,846
Return on Equity (ROE)	3.8707%	4,840
Retained earnings to average equity (ytd only)	3.8707%	3,743
Net charge-offs to loans	1.5500%	1,289
Credit loss provision to net charge-offs	67.1554%	5,503
Earnings coverage of net charge-offs (x)	1.0704%	4,986
Efficiency ratio	74.7580%	3,186
Assets per employee ($millions)	3.3594%	5,302
Cash dividends to net income (ytd only)*	0.0000%	3,526
Condition Ratios (%)
Loss allowance to loans	1.0845%	6,006
Loan loss allowance to noncurrent loans	217.8571%	1,343
Noncurrent assets plus other real estate owned to assets	1.9115%	3,595
Noncurrent loans to loans	0.4978%	6,205
Net loans and leases to total assets	59.1482%	5,073
Net loans and leases to deposits	68.7815%	5,314
Net loans and leases to core deposits	74.8138%	5,188
Total domestic deposits to total assets	85.9943%	3,080
Equity capital to assets	13.5570%	1,329
Core capital (leverage) ratio	13.4887%	1,064
Tier 1 risk-based capital ratio	20.3766%	1,469
Total risk-based capital ratio	21.3702%	1,488
Memoranda:
Average total assets	$46,892,000	6,720
Average earning assets	$44,260,750	6,647
Average equity	$6,234,750	6,384
Average total loans	$29,332,500	6,515
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9580%	5,143
Cost of funding earning assets	0.9113%	6,532
Net interest margin	4.0467%	2,807
Noninterest income to average assets	0.2476%	6,136
Noninterest expense to average assets	3.0654%	3,447
Loan and lease loss provision to assets	0.8112%	1,781
Net operating income to assets	0.1962%	5,574
Return on assets (ROA)	0.3970%	4,929
Pretax return on assets	0.4056%	5,210
Return on Equity (ROE)	3.0060%	5,230
Retained earnings to average equity (ytd only)	3.0060%	4,211
Net charge-offs to loans	2.0447%	886
Credit loss provision to net charge-offs	62.5000%	5,146
Earnings coverage of net charge-offs (x)	0.7796%	4,983
Efficiency ratio	75.1832%	3,226
Assets per employee ($millions)	3.8232%	4,174
Cash dividends to net income (ytd only)*	0.0000%	3,319
Condition Ratios (%)
Loss allowance to loans	1.0408%	6,227
Loan loss allowance to noncurrent loans	36.4183%	5,931
Noncurrent assets plus other real estate owned to assets	2.1797%	3,281
Noncurrent loans to loans	2.8580%	2,800
Net loans and leases to total assets	62.7926%	4,519
Net loans and leases to deposits	72.9667%	4,838
Net loans and leases to core deposits	77.9100%	4,967
Total domestic deposits to total assets	86.0565%	3,045
Equity capital to assets	13.5817%	1,313
Core capital (leverage) ratio	13.3619%	1,098
Tier 1 risk-based capital ratio	19.2786%	1,658
Total risk-based capital ratio	20.2257%	1,693
Memoranda:
Average total assets	$46,845,670	6,766
Average earning assets	$44,332,670	6,686
Average equity	$6,187,670	6,411
Average total loans	$29,735,670	6,545
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8785%	5,566
Cost of funding earning assets	0.9613%	6,539
Net interest margin	3.9172%	3,249
Noninterest income to average assets	0.2113%	6,451
Noninterest expense to average assets	3.0594%	3,440
Loan and lease loss provision to assets	0.3803%	3,084
Net operating income to assets	0.4564%	4,592
Return on assets (ROA)	0.4564%	4,714
Pretax return on assets	0.4564%	5,104
Return on Equity (ROE)	3.5031%	5,115
Retained earnings to average equity (ytd only)	3.5031%	4,048
Net charge-offs to loans	0.8387%	1,856
Credit loss provision to net charge-offs	71.4286%	4,068
Earnings coverage of net charge-offs (x)	1.5714%	3,786
Efficiency ratio	78.5249%	2,810
Assets per employee ($millions)	3.8364%	4,236
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	1.3515%	4,671
Loan loss allowance to noncurrent loans	36.6728%	5,924
Noncurrent assets plus other real estate owned to assets	2.7934%	2,605
Noncurrent loans to loans	3.6854%	2,158
Net loans and leases to total assets	63.2600%	4,476
Net loans and leases to deposits	73.6080%	4,805
Net loans and leases to core deposits	77.6841%	5,061
Total domestic deposits to total assets	85.9417%	3,184
Equity capital to assets	13.4696%	1,340
Core capital (leverage) ratio	12.6484%	1,347
Tier 1 risk-based capital ratio	18.3561%	1,858
Total risk-based capital ratio	19.5513%	1,840
Memoranda:
Average total assets	$47,329,500	6,828
Average earning assets	$44,522,000	6,756
Average equity	$6,166,000	6,464
Average total loans	$30,048,000	6,605
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2928%	5,210
Cost of funding earning assets	1.2981%	6,315
Net interest margin	3.9947%	2,883
Noninterest income to average assets	0.2246%	6,504
Noninterest expense to average assets	2.9182%	4,470
Loan and lease loss provision to assets	1.0337%	2,212
Net operating income to assets	0.2642%	4,666
Return on assets (ROA)	0.3266%	4,515
Pretax return on assets	0.1435%	5,126
Return on Equity (ROE)	2.5678%	4,677
Retained earnings to average equity (ytd only)	2.5678%	3,349
Net charge-offs to loans	1.6317%	1,551
Credit loss provision to net charge-offs	101.2220%	5,452
Earnings coverage of net charge-offs (x)	1.0916%	5,017
Efficiency ratio	72.3569%	4,208
Assets per employee ($millions)	4.0518%	3,706
Cash dividends to net income (ytd only)*	0.0000%	4,015
Condition Ratios (%)
Loss allowance to loans	1.3639%	4,412
Loan loss allowance to noncurrent loans	38.3625%	5,866
Noncurrent assets plus other real estate owned to assets	2.2953%	3,012
Noncurrent loans to loans	3.5553%	2,137
Net loans and leases to total assets	62.0234%	4,987
Net loans and leases to deposits	72.3675%	5,277
Net loans and leases to core deposits	87.4522%	5,387
Total domestic deposits to total assets	85.7061%	3,160
Equity capital to assets	12.6095%	1,692
Core capital (leverage) ratio	12.5865%	1,413
Tier 1 risk-based capital ratio	17.8225%	1,937
Total risk-based capital ratio	19.0462%	1,899
Memoranda:
Average total assets	$48,077,400	6,783
Average earning assets	$45,836,200	6,686
Average equity	$6,114,200	6,567
Average total loans	$30,090,400	6,619
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3466%	5,190
Cost of funding earning assets	1.3693%	6,338
Net interest margin	3.9773%	2,903
Noninterest income to average assets	0.2225%	6,637
Noninterest expense to average assets	2.8673%	4,580
Loan and lease loss provision to assets	0.5368%	3,240
Net operating income to assets	0.5618%	3,754
Return on assets (ROA)	0.5618%	3,834
Pretax return on assets	0.6313%	4,082
Return on Equity (ROE)	4.4080%	4,205
Retained earnings to average equity (ytd only)	4.4080%	2,806
Net charge-offs to loans	1.9842%	998
Credit loss provision to net charge-offs	43.2735%	6,392
Earnings coverage of net charge-offs (x)	0.9417%	5,115
Efficiency ratio	71.0544%	4,412
Assets per employee ($millions)	3.9527%	3,823
Cash dividends to net income (ytd only)*	0.0000%	3,688
Condition Ratios (%)
Loss allowance to loans	0.5188%	7,689
Loan loss allowance to noncurrent loans	13.5622%	7,372
Noncurrent assets plus other real estate owned to assets	2.4561%	2,803
Noncurrent loans to loans	3.8253%	1,942
Net loans and leases to total assets	63.8746%	4,893
Net loans and leases to deposits	74.1646%	5,344
Net loans and leases to core deposits	91.1928%	5,311
Total domestic deposits to total assets	86.1254%	2,632
Equity capital to assets	13.1978%	1,623
Core capital (leverage) ratio	12.7634%	1,459
Tier 1 risk-based capital ratio	19.3841%	1,669
Total risk-based capital ratio	19.8847%	1,792
Memoranda:
Average total assets	$47,941,250	6,837
Average earning assets	$45,959,500	6,739
Average equity	$6,110,000	6,628
Average total loans	$29,969,500	6,683
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3451%	5,418
Cost of funding earning assets	1.4317%	6,373
Net interest margin	3.9133%	3,045
Noninterest income to average assets	0.2120%	6,785
Noninterest expense to average assets	2.8725%	4,620
Loan and lease loss provision to assets	0.3908%	3,572
Net operating income to assets	0.5945%	3,698
Return on assets (ROA)	0.5945%	3,805
Pretax return on assets	0.6984%	3,996
Return on Equity (ROE)	4.7195%	4,200
Retained earnings to average equity (ytd only)	4.7195%	2,677
Net charge-offs to loans	-0.1006%	7,952
Credit loss provision to net charge-offs	-626.6667%	7,077
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.5079%	4,310
Assets per employee ($millions)	4.3474%	3,024
Cash dividends to net income (ytd only)*	0.0000%	3,532
Condition Ratios (%)
Loss allowance to loans	1.6982%	2,363
Loan loss allowance to noncurrent loans	29.4618%	6,530
Noncurrent assets plus other real estate owned to assets	3.7118%	1,654
Noncurrent loans to loans	5.7640%	969
Net loans and leases to total assets	62.9451%	5,195
Net loans and leases to deposits	73.6975%	5,497
Net loans and leases to core deposits	88.3349%	5,691
Total domestic deposits to total assets	85.4102%	3,060
Equity capital to assets	12.8124%	1,781
Core capital (leverage) ratio	12.5445%	1,603
Tier 1 risk-based capital ratio	14.2437%	3,381
Total risk-based capital ratio	15.4660%	3,330
Memoranda:
Average total assets	$48,111,000	6,899
Average earning assets	$46,098,670	6,797
Average equity	$6,060,000	6,692
Average total loans	$29,807,670	6,745
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4061%	5,394
Cost of funding earning assets	1.5310%	6,306
Net interest margin	3.8751%	3,164
Noninterest income to average assets	0.1989%	6,868
Noninterest expense to average assets	2.9095%	4,128
Loan and lease loss provision to assets	0.1243%	5,368
Net operating income to assets	0.7543%	3,332
Return on assets (ROA)	0.7543%	3,506
Pretax return on assets	0.8786%	3,799
Return on Equity (ROE)	6.0400%	4,021
Retained earnings to average equity (ytd only)	6.0400%	2,604
Net charge-offs to loans	0.0000%	5,728
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	74.3644%	3,761
Assets per employee ($millions)	3.4109%	5,045
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	1.4236%	3,370
Loan loss allowance to noncurrent loans	40.8046%	5,824
Noncurrent assets plus other real estate owned to assets	2.2072%	2,589
Noncurrent loans to loans	3.4887%	1,823
Net loans and leases to total assets	61.7754%	5,377
Net loans and leases to deposits	72.0806%	5,737
Net loans and leases to core deposits	82.6696%	6,177
Total domestic deposits to total assets	85.7032%	2,868
Equity capital to assets	12.7178%	1,874
Core capital (leverage) ratio	12.3983%	1,721
Tier 1 risk-based capital ratio	16.2115%	2,608
Total risk-based capital ratio	17.3611%	2,591
Memoranda:
Average total assets	$48,256,000	6,939
Average earning assets	$46,244,000	6,830
Average equity	$6,026,500	6,749
Average total loans	$29,401,000	6,803
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9522%	5,804
Cost of funding earning assets	2.1744%	5,706
Net interest margin	3.7779%	4,110
Noninterest income to average assets	0.2407%	6,724
Noninterest expense to average assets	2.6650%	5,395
Loan and lease loss provision to assets	0.0694%	6,526
Net operating income to assets	0.9367%	2,845
Return on assets (ROA)	0.9367%	2,702
Pretax return on assets	1.1081%	3,002
Return on Equity (ROE)	7.4275%	3,310
Retained earnings to average equity (ytd only)	5.9833%	1,541
Net charge-offs to loans	0.0514%	6,056
Credit loss provision to net charge-offs	228.5714%	2,079
Earnings coverage of net charge-offs (x)	38.7857%	965
Efficiency ratio	69.3567%	4,466
Assets per employee ($millions)	3.7508%	4,060
Cash dividends to net income (ytd only)*	19.4444%	4,464
Condition Ratios (%)
Loss allowance to loans	1.4233%	3,063
Loan loss allowance to noncurrent loans	42.3711%	5,901
Noncurrent assets plus other real estate owned to assets	2.0098%	2,447
Noncurrent loans to loans	3.3591%	1,537
Net loans and leases to total assets	58.3798%	6,147
Net loans and leases to deposits	66.9552%	6,568
Net loans and leases to core deposits	83.0276%	6,379
Total domestic deposits to total assets	87.1924%	1,844
Equity capital to assets	12.2642%	2,131
Core capital (leverage) ratio	12.2984%	1,841
Tier 1 risk-based capital ratio	16.2091%	2,582
Total risk-based capital ratio	17.3352%	2,576
Memoranda:
Average total assets	$46,117,000	6,932
Average earning assets	$43,966,800	6,855
Average equity	$5,816,200	6,871
Average total loans	$27,221,400	6,886