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The First National Bank of Peterstown, 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	4.4020%	3,978
Cost of funding earning assets	0.7150%	4,222
Net interest margin	3.6870%	1,714
Noninterest income to average assets	0.7700%	981
Noninterest expense to average assets	2.6571%	1,853
Loan and lease loss provision to assets	0.0000%	3,171
Net operating income to assets	0.9929%	2,080
Return on assets (ROA)	0.9929%	2,073
Pretax return on assets	1.2426%	1,891
Return on Equity (ROE)	9.5000%	2,298
Retained earnings to average equity (ytd only)	7.8085%	1,175
Net charge-offs to loans	0.0331%	1,910
Credit loss provision to net charge-offs	0.0000%	2,577
Earnings coverage of net charge-offs (x)	81.1538%	918
Efficiency ratio	68.1365%	2,237
Assets per employee ($millions)	6.9497%	2,197
Cash dividends to net income (ytd only)*	17.7936%	3,021
Condition Ratios (%)
Loss allowance to loans	1.4143%	1,262
Loan loss allowance to noncurrent loans	245.0450%	1,938
Noncurrent assets plus other real estate owned to assets	0.2662%	2,180
Noncurrent loans to loans	0.5772%	1,641
Net loans and leases to total assets	45.4700%	3,830
Net loans and leases to deposits	51.1831%	3,878
Net loans and leases to core deposits	53.9526%	3,932
Total domestic deposits to total assets	88.8400%	1,217
Equity capital to assets	11.0653%	1,558
Core capital (leverage) ratio	12.8854%	1,104
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	27.3831%	300
Memoranda:
Average total assets	$84,903,400	3,910
Average earning assets	$72,171,800	3,948
Average equity	$8,875,000	3,878
Average total loans	$39,262,600	3,970
2024-09-30		Rank
Percentage of unprofitable institutions	0.0000%	305
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4087%	3,952
Cost of funding earning assets	0.6903%	4,262
Net interest margin	3.7184%	1,608
Noninterest income to average assets	0.7200%	1,077
Noninterest expense to average assets	2.5281%	2,164
Loan and lease loss provision to assets	0.0000%	3,009
Net operating income to assets	1.1773%	1,565
Return on assets (ROA)	1.1773%	1,570
Pretax return on assets	1.3477%	1,644
Return on Equity (ROE)	11.4300%	1,773
Retained earnings to average equity (ytd only)	11.4260%	584
Net charge-offs to loans	0.0203%	1,964
Credit loss provision to net charge-offs	0.0000%	2,285
Earnings coverage of net charge-offs (x)	143.6667%	633
Efficiency ratio	65.2279%	2,565
Assets per employee ($millions)	6.6003%	2,445
Cash dividends to net income (ytd only)*	0.0000%	3,021
Condition Ratios (%)
Loss allowance to loans	1.4223%	1,269
Loan loss allowance to noncurrent loans	204.8507%	2,201
Noncurrent assets plus other real estate owned to assets	0.3123%	1,964
Noncurrent loans to loans	0.6943%	1,415
Net loans and leases to total assets	44.3500%	3,885
Net loans and leases to deposits	49.9613%	3,958
Net loans and leases to core deposits	51.8795%	4,004
Total domestic deposits to total assets	88.7600%	988
Equity capital to assets	11.0251%	1,722
Core capital (leverage) ratio	12.9409%	1,114
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	27.0166%	318
Memoranda:
Average total assets	$85,280,250	3,921
Average earning assets	$72,431,250	3,972
Average equity	$8,786,750	3,901
Average total loans	$39,462,500	3,987
2024-06-30		Rank
Percentage of unprofitable institutions	0.0000%	306
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3879%	3,937
Cost of funding earning assets	0.6787%	4,266
Net interest margin	3.7092%	1,580
Noninterest income to average assets	0.7000%	1,095
Noninterest expense to average assets	2.4581%	2,357
Loan and lease loss provision to assets	0.0000%	2,867
Net operating income to assets	1.2526%	1,359
Return on assets (ROA)	1.2526%	1,360
Pretax return on assets	1.3912%	1,494
Return on Equity (ROE)	12.4500%	1,502
Retained earnings to average equity (ytd only)	12.4499%	496
Net charge-offs to loans	0.0151%	1,885
Credit loss provision to net charge-offs	0.0000%	2,036
Earnings coverage of net charge-offs (x)	197.3333%	497
Efficiency ratio	63.8584%	2,794
Assets per employee ($millions)	6.6100%	2,332
Cash dividends to net income (ytd only)*	0.0000%	2,897
Condition Ratios (%)
Loss allowance to loans	1.4467%	1,230
Loan loss allowance to noncurrent loans	84.3227%	3,225
Noncurrent assets plus other real estate owned to assets	0.7646%	857
Noncurrent loans to loans	1.7156%	471
Net loans and leases to total assets	43.9200%	3,913
Net loans and leases to deposits	49.0308%	3,981
Net loans and leases to core deposits	50.9030%	4,023
Total domestic deposits to total assets	89.5800%	821
Equity capital to assets	10.2677%	1,928
Core capital (leverage) ratio	12.6810%	1,196
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	26.0909%	334
Memoranda:
Average total assets	$85,105,667	3,938
Average earning assets	$72,199,333	3,989
Average equity	$8,562,333	3,911
Average total loans	$39,750,333	3,993
2024-03-31		Rank
Percentage of unprofitable institutions	0.0000%	11
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2790%	3,982
Cost of funding earning assets	0.6191%	4,301
Net interest margin	3.6598%	1,614
Noninterest income to average assets	0.6100%	1,335
Noninterest expense to average assets	2.2906%	2,824
Loan and lease loss provision to assets	0.0000%	2,519
Net operating income to assets	1.3224%	1,195
Return on assets (ROA)	1.3224%	1,202
Pretax return on assets	1.4783%	1,287
Return on Equity (ROE)	13.2800%	1,281
Retained earnings to average equity (ytd only)	13.2827%	573
Net charge-offs to loans	0.0000%	2,236
Credit loss provision to net charge-offs	0.0000%	1,619
Earnings coverage of net charge-offs (x)	0.0000%	2,130
Efficiency ratio	60.7769%	3,177
Assets per employee ($millions)	6.6001%	2,375
Cash dividends to net income (ytd only)*	0.0000%	2,272
Condition Ratios (%)
Loss allowance to loans	1.4073%	1,360
Loan loss allowance to noncurrent loans	117.2632%	3,000
Noncurrent assets plus other real estate owned to assets	0.5536%	1,159
Noncurrent loans to loans	1.2001%	695
Net loans and leases to total assets	45.4800%	3,833
Net loans and leases to deposits	50.6549%	3,895
Net loans and leases to core deposits	52.0522%	4,033
Total domestic deposits to total assets	89.7800%	868
Equity capital to assets	9.9882%	2,025
Core capital (leverage) ratio	12.5846%	1,186
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	25.0410%	383
Memoranda:
Average total assets	$84,693,500	3,964
Average earning assets	$73,008,500	4,009
Average equity	$8,432,000	3,945
Average total loans	$40,478,000	3,992
2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0823%	3,836
Cost of funding earning assets	0.2448%	4,422
Net interest margin	3.8376%	1,493
Noninterest income to average assets	0.6600%	1,324
Noninterest expense to average assets	2.5482%	2,160
Loan and lease loss provision to assets	0.0300%	2,526
Net operating income to assets	1.1043%	1,911
Return on assets (ROA)	1.1043%	1,880
Pretax return on assets	1.3738%	1,693
Return on Equity (ROE)	11.8700%	1,984
Retained earnings to average equity (ytd only)	10.5676%	888
Net charge-offs to loans	0.0000%	2,917
Credit loss provision to net charge-offs	0.0000%	2,397
Earnings coverage of net charge-offs (x)	0.0000%	2,831
Efficiency ratio	64.4166%	2,560
Assets per employee ($millions)	6.4297%	2,461
Cash dividends to net income (ytd only)*	10.9409%	3,205
Condition Ratios (%)
Loss allowance to loans	1.3462%	1,589
Loan loss allowance to noncurrent loans	153.4435%	2,830
Noncurrent assets plus other real estate owned to assets	0.4343%	1,280
Noncurrent loans to loans	0.8773%	866
Net loans and leases to total assets	48.8400%	3,670
Net loans and leases to deposits	54.3151%	3,777
Net loans and leases to core deposits	55.4725%	3,932
Total domestic deposits to total assets	89.9100%	779
Equity capital to assets	9.9227%	2,051
Core capital (leverage) ratio	12.3771%	1,259
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	23.7686%	431
Memoranda:
Average total assets	$82,764,200	3,995
Average earning assets	$71,086,800	4,025
Average equity	$7,702,800	3,968
Average total loans	$41,663,000	3,965
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0256%	3,805
Cost of funding earning assets	0.1711%	4,464
Net interest margin	3.8545%	1,488
Noninterest income to average assets	0.6600%	1,314
Noninterest expense to average assets	2.4677%	2,323
Loan and lease loss provision to assets	0.0400%	2,145
Net operating income to assets	1.2661%	1,616
Return on assets (ROA)	1.2661%	1,605
Pretax return on assets	1.4551%	1,662
Return on Equity (ROE)	13.8400%	1,695
Retained earnings to average equity (ytd only)	13.8360%	696
Net charge-offs to loans	0.0000%	2,666
Credit loss provision to net charge-offs	0.0000%	2,098
Earnings coverage of net charge-offs (x)	0.0000%	2,572
Efficiency ratio	62.1897%	2,691
Assets per employee ($millions)	5.8097%	2,920
Cash dividends to net income (ytd only)*	0.0000%	3,002
Condition Ratios (%)
Loss allowance to loans	1.3165%	1,789
Loan loss allowance to noncurrent loans	228.2787%	2,348
Noncurrent assets plus other real estate owned to assets	0.3000%	1,812
Noncurrent loans to loans	0.5767%	1,391
Net loans and leases to total assets	51.3300%	3,540
Net loans and leases to deposits	56.9667%	3,663
Net loans and leases to core deposits	57.9937%	3,780
Total domestic deposits to total assets	90.1100%	914
Equity capital to assets	9.5862%	2,049
Core capital (leverage) ratio	12.6129%	1,194
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	23.6791%	451
Memoranda:
Average total assets	$82,558,750	4,011
Average earning assets	$70,910,500	4,047
Average equity	$7,555,000	3,988
Average total loans	$41,734,500	3,977
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9604%	3,765
Cost of funding earning assets	0.1150%	4,505
Net interest margin	3.8454%	1,532
Noninterest income to average assets	0.7000%	1,120
Noninterest expense to average assets	2.3238%	2,729
Loan and lease loss provision to assets	0.0700%	1,542
Net operating income to assets	1.4512%	1,212
Return on assets (ROA)	1.4512%	1,197
Pretax return on assets	1.6127%	1,386
Return on Equity (ROE)	16.1100%	1,246
Retained earnings to average equity (ytd only)	16.1085%	465
Net charge-offs to loans	0.0000%	2,455
Credit loss provision to net charge-offs	0.0000%	1,862
Earnings coverage of net charge-offs (x)	0.0000%	2,403
Efficiency ratio	58.0373%	3,188
Assets per employee ($millions)	6.2571%	2,499
Cash dividends to net income (ytd only)*	0.0000%	2,909
Condition Ratios (%)
Loss allowance to loans	1.3219%	1,831
Loan loss allowance to noncurrent loans	222.8000%	2,477
Noncurrent assets plus other real estate owned to assets	0.3073%	1,690
Noncurrent loans to loans	0.5933%	1,263
Net loans and leases to total assets	51.1200%	3,477
Net loans and leases to deposits	56.5987%	3,606
Net loans and leases to core deposits	57.3561%	3,746
Total domestic deposits to total assets	90.3100%	835
Equity capital to assets	9.5646%	2,120
Core capital (leverage) ratio	12.3396%	1,226
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.6148%	512
Memoranda:
Average total assets	$82,966,333	4,021
Average earning assets	$71,306,000	4,060
Average equity	$7,474,333	4,019
Average total loans	$41,543,000	3,991
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8820%	3,708
Cost of funding earning assets	0.0950%	4,542
Net interest margin	3.7870%	1,719
Noninterest income to average assets	0.7600%	945
Noninterest expense to average assets	2.2249%	3,030
Loan and lease loss provision to assets	0.0000%	2,553
Net operating income to assets	1.6233%	942
Return on assets (ROA)	1.6233%	941
Pretax return on assets	1.7713%	1,125
Return on Equity (ROE)	18.5800%	951
Retained earnings to average equity (ytd only)	18.5754%	471
Net charge-offs to loans	0.0000%	2,062
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	55.6750%	3,439
Assets per employee ($millions)	6.3985%	2,410
Cash dividends to net income (ytd only)*	0.0000%	2,306
Condition Ratios (%)
Loss allowance to loans	1.2777%	2,138
Loan loss allowance to noncurrent loans	208.6957%	2,616
Noncurrent assets plus other real estate owned to assets	0.3042%	1,642
Noncurrent loans to loans	0.6122%	1,221
Net loans and leases to total assets	49.0500%	3,562
Net loans and leases to deposits	54.1168%	3,674
Net loans and leases to core deposits	54.8413%	3,801
Total domestic deposits to total assets	90.6300%	932
Equity capital to assets	9.1836%	2,383
Core capital (leverage) ratio	11.9203%	1,326
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.9768%	504
Memoranda:
Average total assets	$83,778,500	4,067
Average earning assets	$71,613,000	4,118
Average equity	$7,321,500	4,084
Average total loans	$41,247,000	4,048
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3782%	3,406
Cost of funding earning assets	0.1238%	4,265
Net interest margin	3.2544%	2,693
Noninterest income to average assets	0.5300%	1,938
Noninterest expense to average assets	2.3522%	2,573
Loan and lease loss provision to assets	0.0200%	2,518
Net operating income to assets	0.7488%	3,484
Return on assets (ROA)	0.7488%	3,425
Pretax return on assets	0.9130%	3,319
Return on Equity (ROE)	8.7400%	3,189
Retained earnings to average equity (ytd only)	8.7419%	1,555
Net charge-offs to loans	0.0000%	2,620
Credit loss provision to net charge-offs	0.0000%	1,979
Earnings coverage of net charge-offs (x)	0.0000%	2,564
Efficiency ratio	71.5804%	1,485
Assets per employee ($millions)	7.0313%	1,951
Cash dividends to net income (ytd only)*	0.0000%	3,453
Condition Ratios (%)
Loss allowance to loans	1.2825%	1,982
Loan loss allowance to noncurrent loans	119.7279%	3,194
Noncurrent assets plus other real estate owned to assets	0.5227%	965
Noncurrent loans to loans	1.0712%	673
Net loans and leases to total assets	48.1700%	3,657
Net loans and leases to deposits	52.6138%	3,759
Net loans and leases to core deposits	53.3095%	3,847
Total domestic deposits to total assets	91.5500%	772
Equity capital to assets	8.3009%	2,854
Core capital (leverage) ratio	11.2329%	1,661
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.2677%	532
Memoranda:
Average total assets	$85,875,400	4,060
Average earning assets	$72,700,600	4,128
Average equity	$7,355,400	4,167
Average total loans	$40,927,800	4,052
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2626%	3,276
Cost of funding earning assets	0.1300%	4,034
Net interest margin	3.1326%	2,821
Noninterest income to average assets	0.5300%	2,002
Noninterest expense to average assets	2.2055%	2,918
Loan and lease loss provision to assets	0.0000%	2,752
Net operating income to assets	0.8420%	3,092
Return on assets (ROA)	0.8420%	3,066
Pretax return on assets	0.9689%	3,117
Return on Equity (ROE)	9.8800%	2,765
Retained earnings to average equity (ytd only)	9.8840%	1,384
Net charge-offs to loans	0.0000%	2,349
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	0.0000%	2,297
Efficiency ratio	69.4783%	1,825
Assets per employee ($millions)	6.5845%	2,251
Cash dividends to net income (ytd only)*	0.0000%	3,071
Condition Ratios (%)
Loss allowance to loans	1.2489%	2,265
Loan loss allowance to noncurrent loans	216.1017%	2,587
Noncurrent assets plus other real estate owned to assets	0.2757%	1,846
Noncurrent loans to loans	0.5779%	1,387
Net loans and leases to total assets	47.1100%	3,696
Net loans and leases to deposits	51.0036%	3,788
Net loans and leases to core deposits	51.6801%	3,870
Total domestic deposits to total assets	92.3700%	759
Equity capital to assets	7.4253%	3,261
Core capital (leverage) ratio	10.7787%	1,902
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.7243%	583
Memoranda:
Average total assets	$86,145,250	4,086
Average earning assets	$72,823,500	4,151
Average equity	$7,338,250	4,214
Average total loans	$40,867,500	4,070
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1653%	3,148
Cost of funding earning assets	0.1377%	3,736
Net interest margin	3.0275%	2,803
Noninterest income to average assets	0.5352%	2,017
Noninterest expense to average assets	2.1013%	3,139
Loan and lease loss provision to assets	0.0000%	2,599
Net operating income to assets	0.8873%	2,635
Return on assets (ROA)	0.8873%	2,608
Pretax return on assets	0.9800%	2,799
Return on Equity (ROE)	9.9926%	2,339
Retained earnings to average equity (ytd only)	9.9926%	1,024
Net charge-offs to loans	0.0000%	2,156
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	68.1955%	2,213
Assets per employee ($millions)	7.1313%	1,854
Cash dividends to net income (ytd only)*	0.0000%	2,927
Condition Ratios (%)
Loss allowance to loans	1.2391%	2,471
Loan loss allowance to noncurrent loans	216.1017%	2,570
Noncurrent assets plus other real estate owned to assets	0.2758%	1,929
Noncurrent loans to loans	0.5734%	1,471
Net loans and leases to total assets	47.5005%	3,595
Net loans and leases to deposits	51.6841%	3,708
Net loans and leases to core deposits	52.3868%	3,797
Total domestic deposits to total assets	91.9054%	877
Equity capital to assets	7.9438%	3,163
Core capital (leverage) ratio	10.5542%	1,902
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.8835%	547
Memoranda:
Average total assets	$86,327,333	4,124
Average earning assets	$72,600,333	4,217
Average equity	$7,665,667	4,238
Average total loans	$40,878,000	4,125
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0182%	3,200
Cost of funding earning assets	0.1520%	3,486
Net interest margin	2.8662%	2,936
Noninterest income to average assets	0.5167%	2,061
Noninterest expense to average assets	2.2514%	2,678
Loan and lease loss provision to assets	0.0000%	2,285
Net operating income to assets	0.6320%	3,289
Return on assets (ROA)	0.6320%	3,269
Pretax return on assets	0.7012%	3,391
Return on Equity (ROE)	6.7658%	3,110
Retained earnings to average equity (ytd only)	6.7658%	1,972
Net charge-offs to loans	0.0000%	1,838
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.2500%	1,493
Assets per employee ($millions)	6.7469%	2,187
Cash dividends to net income (ytd only)*	0.0000%	2,254
Condition Ratios (%)
Loss allowance to loans	1.2546%	2,579
Loan loss allowance to noncurrent loans	119.1589%	3,197
Noncurrent assets plus other real estate owned to assets	0.4880%	1,235
Noncurrent loans to loans	1.0528%	857
Net loans and leases to total assets	45.7667%	3,603
Net loans and leases to deposits	50.1224%	3,723
Net loans and leases to core deposits	50.9352%	3,814
Total domestic deposits to total assets	91.3100%	882
Equity capital to assets	8.6045%	3,071
Core capital (leverage) ratio	10.2539%	2,054
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.2667%	616
Memoranda:
Average total assets	$86,703,000	4,137
Average earning assets	$73,686,000	4,216
Average equity	$8,099,500	4,263
Average total loans	$40,737,500	4,146
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0022%	3,867
Cost of funding earning assets	0.2491%	2,947
Net interest margin	2.7531%	3,770
Noninterest income to average assets	0.4758%	2,698
Noninterest expense to average assets	2.3500%	2,659
Loan and lease loss provision to assets	0.0000%	3,064
Net operating income to assets	0.4361%	4,211
Return on assets (ROA)	0.4361%	4,254
Pretax return on assets	0.5154%	4,236
Return on Equity (ROE)	4.2014%	4,175
Retained earnings to average equity (ytd only)	4.2014%	3,138
Net charge-offs to loans	0.0605%	1,178
Credit loss provision to net charge-offs	0.0000%	2,330
Earnings coverage of net charge-offs (x)	17.1600%	1,951
Efficiency ratio	82.0126%	674
Assets per employee ($millions)	6.1211%	2,642
Cash dividends to net income (ytd only)*	0.0000%	3,588
Condition Ratios (%)
Loss allowance to loans	1.2493%	2,630
Loan loss allowance to noncurrent loans	99.6094%	3,397
Noncurrent assets plus other real estate owned to assets	0.5975%	1,100
Noncurrent loans to loans	1.2542%	766
Net loans and leases to total assets	47.0419%	3,597
Net loans and leases to deposits	52.3661%	3,712
Net loans and leases to core deposits	53.2494%	3,813
Total domestic deposits to total assets	89.8327%	1,044
Equity capital to assets	10.0962%	2,560
Core capital (leverage) ratio	10.1520%	2,219
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.2584%	540
Memoranda:
Average total assets	$83,234,200	4,175
Average earning assets	$72,246,000	4,227
Average equity	$8,640,000	4,273
Average total loans	$41,313,600	4,157
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9925%	4,016
Cost of funding earning assets	0.2683%	2,919
Net interest margin	2.7241%	3,924
Noninterest income to average assets	0.4809%	2,706
Noninterest expense to average assets	2.2819%	2,800
Loan and lease loss provision to assets	0.0000%	2,963
Net operating income to assets	0.4938%	4,220
Return on assets (ROA)	0.4938%	4,264
Pretax return on assets	0.5745%	4,267
Return on Equity (ROE)	4.7237%	4,182
Retained earnings to average equity (ytd only)	4.7237%	3,323
Net charge-offs to loans	0.0418%	1,262
Credit loss provision to net charge-offs	0.0000%	2,044
Earnings coverage of net charge-offs (x)	27.3846%	1,577
Efficiency ratio	79.8870%	755
Assets per employee ($millions)	5.6921%	3,003
Cash dividends to net income (ytd only)*	0.0000%	3,236
Condition Ratios (%)
Loss allowance to loans	1.2691%	2,635
Loan loss allowance to noncurrent loans	146.2185%	2,937
Noncurrent assets plus other real estate owned to assets	0.4181%	1,793
Noncurrent loans to loans	0.8680%	1,326
Net loans and leases to total assets	47.5621%	3,668
Net loans and leases to deposits	53.1267%	3,804
Net loans and leases to core deposits	54.0250%	3,920
Total domestic deposits to total assets	89.5258%	996
Equity capital to assets	10.2751%	2,637
Core capital (leverage) ratio	10.3840%	2,154
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.6165%	561
Memoranda:
Average total assets	$82,618,750	4,231
Average earning assets	$72,045,500	4,286
Average equity	$8,637,000	4,338
Average total loans	$41,436,250	4,207
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9892%	4,068
Cost of funding earning assets	0.2933%	2,838
Net interest margin	2.6958%	3,990
Noninterest income to average assets	0.4823%	2,705
Noninterest expense to average assets	2.1763%	3,169
Loan and lease loss provision to assets	0.0000%	2,862
Net operating income to assets	0.5826%	4,017
Return on assets (ROA)	0.5826%	4,072
Pretax return on assets	0.6683%	4,131
Return on Equity (ROE)	5.5403%	4,014
Retained earnings to average equity (ytd only)	5.5403%	2,982
Net charge-offs to loans	0.0626%	989
Credit loss provision to net charge-offs	0.0000%	1,801
Earnings coverage of net charge-offs (x)	21.0000%	1,516
Efficiency ratio	76.5060%	1,036
Assets per employee ($millions)	5.5971%	3,020
Cash dividends to net income (ytd only)*	0.0000%	3,087
Condition Ratios (%)
Loss allowance to loans	1.2667%	2,599
Loan loss allowance to noncurrent loans	131.1558%	3,045
Noncurrent assets plus other real estate owned to assets	0.4741%	1,769
Noncurrent loans to loans	0.9658%	1,279
Net loans and leases to total assets	48.4635%	3,682
Net loans and leases to deposits	54.1402%	3,851
Net loans and leases to core deposits	55.0835%	3,961
Total domestic deposits to total assets	89.5147%	1,022
Equity capital to assets	10.3495%	2,539
Core capital (leverage) ratio	10.4413%	2,004
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.4231%	579
Memoranda:
Average total assets	$81,698,000	4,268
Average earning assets	$71,592,000	4,321
Average equity	$8,591,667	4,364
Average total loans	$41,538,000	4,245
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9852%	4,119
Cost of funding earning assets	0.3086%	2,900
Net interest margin	2.6766%	4,012
Noninterest income to average assets	0.5014%	2,608
Noninterest expense to average assets	2.2291%	3,011
Loan and lease loss provision to assets	0.0000%	2,741
Net operating income to assets	0.5412%	4,091
Return on assets (ROA)	0.5412%	4,132
Pretax return on assets	0.6404%	4,127
Return on Equity (ROE)	5.1036%	4,072
Retained earnings to average equity (ytd only)	5.1036%	3,193
Net charge-offs to loans	0.1247%	578
Credit loss provision to net charge-offs	0.0000%	1,471
Earnings coverage of net charge-offs (x)	9.9231%	1,516
Efficiency ratio	77.6817%	976
Assets per employee ($millions)	5.4839%	3,136
Cash dividends to net income (ytd only)*	0.0000%	2,433
Condition Ratios (%)
Loss allowance to loans	1.2464%	2,683
Loan loss allowance to noncurrent loans	137.0079%	2,909
Noncurrent assets plus other real estate owned to assets	0.4632%	2,000
Noncurrent loans to loans	0.9097%	1,487
Net loans and leases to total assets	50.2796%	3,599
Net loans and leases to deposits	56.1455%	3,779
Net loans and leases to core deposits	56.9299%	3,916
Total domestic deposits to total assets	89.5524%	1,047
Equity capital to assets	10.3078%	2,429
Core capital (leverage) ratio	10.7777%	1,882
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	23.0222%	512
Memoranda:
Average total assets	$80,569,000	4,300
Average earning assets	$71,284,000	4,338
Average equity	$8,543,000	4,383
Average total loans	$41,702,000	4,267
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5441%	3,935
Cost of funding earning assets	0.4079%	3,531
Net interest margin	3.1361%	3,533
Noninterest income to average assets	0.4901%	2,672
Noninterest expense to average assets	2.7083%	2,217
Loan and lease loss provision to assets	0.0204%	4,134
Net operating income to assets	0.4713%	4,092
Return on assets (ROA)	0.4724%	4,170
Pretax return on assets	0.5702%	4,145
Return on Equity (ROE)	4.0856%	4,140
Retained earnings to average equity (ytd only)	2.9115%	3,413
Net charge-offs to loans	0.0069%	3,097
Credit loss provision to net charge-offs	500.0000%	1,248
Earnings coverage of net charge-offs (x)	144.6667%	598
Efficiency ratio	82.1326%	742
Assets per employee ($millions)	5.2587%	3,089
Cash dividends to net income (ytd only)*	28.7356%	2,903
Condition Ratios (%)
Loss allowance to loans	1.2884%	2,470
Loan loss allowance to noncurrent loans	87.9934%	3,494
Noncurrent assets plus other real estate owned to assets	0.7708%	1,334
Noncurrent loans to loans	1.4642%	917
Net loans and leases to total assets	51.9625%	3,660
Net loans and leases to deposits	58.4033%	3,869
Net loans and leases to core deposits	59.3986%	3,981
Total domestic deposits to total assets	88.9719%	999
Equity capital to assets	10.9115%	2,330
Core capital (leverage) ratio	11.0109%	1,787
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	23.1047%	497
Memoranda:
Average total assets	$73,663,400	4,329
Average earning assets	$65,941,400	4,354
Average equity	$8,517,800	4,368
Average total loans	$43,699,200	4,235
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6617%	3,891
Cost of funding earning assets	0.4223%	3,685
Net interest margin	3.2394%	3,371
Noninterest income to average assets	0.4809%	2,694
Noninterest expense to average assets	2.5446%	2,705
Loan and lease loss provision to assets	0.0276%	3,990
Net operating income to assets	0.7280%	3,361
Return on assets (ROA)	0.7297%	3,450
Pretax return on assets	0.8218%	3,587
Return on Equity (ROE)	6.2149%	3,474
Retained earnings to average equity (ytd only)	6.2149%	2,012
Net charge-offs to loans	-0.0060%	4,095
Credit loss provision to net charge-offs	-750.0000%	3,862
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	75.0136%	1,300
Assets per employee ($millions)	5.0685%	3,156
Cash dividends to net income (ytd only)*	0.0000%	3,332
Condition Ratios (%)
Loss allowance to loans	1.2517%	2,388
Loan loss allowance to noncurrent loans	89.2562%	3,411
Noncurrent assets plus other real estate owned to assets	0.7958%	1,448
Noncurrent loans to loans	1.4023%	1,036
Net loans and leases to total assets	56.0346%	3,622
Net loans and leases to deposits	63.5348%	3,829
Net loans and leases to core deposits	64.6602%	3,974
Total domestic deposits to total assets	88.1951%	1,121
Equity capital to assets	11.5221%	1,990
Core capital (leverage) ratio	11.3857%	1,658
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$72,359,250	4,358
Average earning assets	$65,031,500	4,386
Average equity	$8,495,500	4,390
Average total loans	$44,243,250	4,245
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7591%	3,970
Cost of funding earning assets	0.4364%	3,861
Net interest margin	3.3227%	3,329
Noninterest income to average assets	0.4976%	2,580
Noninterest expense to average assets	2.5135%	2,927
Loan and lease loss provision to assets	0.0337%	3,842
Net operating income to assets	0.8494%	2,871
Return on assets (ROA)	0.8519%	2,975
Pretax return on assets	0.9503%	3,176
Return on Equity (ROE)	7.2080%	3,054
Retained earnings to average equity (ytd only)	7.2080%	1,566
Net charge-offs to loans	-0.0269%	4,499
Credit loss provision to net charge-offs	-200.0000%	3,472
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	71.9228%	1,692
Assets per employee ($millions)	5.0025%	3,172
Cash dividends to net income (ytd only)*	0.0000%	3,182
Condition Ratios (%)
Loss allowance to loans	1.2275%	2,365
Loan loss allowance to noncurrent loans	70.1686%	3,711
Noncurrent assets plus other real estate owned to assets	1.0275%	1,157
Noncurrent loans to loans	1.7494%	816
Net loans and leases to total assets	58.0140%	3,517
Net loans and leases to deposits	65.7434%	3,749
Net loans and leases to core deposits	67.3328%	3,899
Total domestic deposits to total assets	88.2431%	1,066
Equity capital to assets	11.5583%	1,932
Core capital (leverage) ratio	11.6656%	1,567
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$71,136,333	4,385
Average earning assets	$64,164,000	4,407
Average equity	$8,407,333	4,420
Average total loans	$44,610,333	4,240
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9461%	3,945
Cost of funding earning assets	0.4597%	4,116
Net interest margin	3.4863%	3,028
Noninterest income to average assets	0.5608%	2,227
Noninterest expense to average assets	2.5150%	3,233
Loan and lease loss provision to assets	0.0289%	3,422
Net operating income to assets	1.0586%	1,975
Return on assets (ROA)	1.0638%	2,059
Pretax return on assets	1.1794%	2,273
Return on Equity (ROE)	8.8948%	2,156
Retained earnings to average equity (ytd only)	8.8948%	1,001
Net charge-offs to loans	-0.0535%	4,656
Credit loss provision to net charge-offs	-83.3333%	3,167
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.6516%	2,729
Assets per employee ($millions)	4.6793%	3,016
Cash dividends to net income (ytd only)*	0.0000%	2,581
Condition Ratios (%)
Loss allowance to loans	1.1992%	2,681
Loan loss allowance to noncurrent loans	64.4928%	3,835
Noncurrent assets plus other real estate owned to assets	1.1797%	1,065
Noncurrent loans to loans	1.8594%	798
Net loans and leases to total assets	62.6813%	3,227
Net loans and leases to deposits	71.3526%	3,492
Net loans and leases to core deposits	72.7965%	3,712
Total domestic deposits to total assets	87.8473%	1,165
Equity capital to assets	11.9433%	2,116
Core capital (leverage) ratio	12.2308%	1,599
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.8888%	568
Memoranda:
Average total assets	$69,186,000	4,426
Average earning assets	$62,644,500	4,440
Average equity	$8,274,500	4,459
Average total loans	$44,879,000	4,253
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1510%	3,926
Cost of funding earning assets	0.4267%	4,353
Net interest margin	3.7242%	2,742
Noninterest income to average assets	0.5588%	2,428
Noninterest expense to average assets	3.0372%	1,917
Loan and lease loss provision to assets	0.1103%	1,892
Net operating income to assets	0.6011%	4,158
Return on assets (ROA)	0.6011%	4,216
Pretax return on assets	0.7461%	4,098
Return on Equity (ROE)	4.9581%	4,220
Retained earnings to average equity (ytd only)	3.7124%	3,136
Net charge-offs to loans	0.0451%	2,480
Credit loss provision to net charge-offs	365.0000%	767
Earnings coverage of net charge-offs (x)	28.3500%	1,630
Efficiency ratio	78.0062%	1,151
Assets per employee ($millions)	4.5455%	3,160
Cash dividends to net income (ytd only)*	25.1256%	3,304
Condition Ratios (%)
Loss allowance to loans	1.1564%	2,665
Loan loss allowance to noncurrent loans	48.8329%	4,118
Noncurrent assets plus other real estate owned to assets	1.5708%	627
Noncurrent loans to loans	2.3680%	487
Net loans and leases to total assets	65.5672%	3,009
Net loans and leases to deposits	74.6676%	3,293
Net loans and leases to core deposits	76.2195%	3,563
Total domestic deposits to total assets	87.8120%	1,223
Equity capital to assets	11.9768%	2,147
Core capital (leverage) ratio	12.0228%	1,758
Tier 1 risk-based capital ratio	21.4295%	1,094
Total risk-based capital ratio	22.6806%	1,075
Memoranda:
Average total assets	$66,212,600	4,494
Average earning assets	$59,287,600	4,529
Average equity	$8,027,200	4,505
Average total loans	$44,322,800	4,300
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2001%	3,919
Cost of funding earning assets	0.4041%	4,490
Net interest margin	3.7960%	2,613
Noninterest income to average assets	0.5173%	2,624
Noninterest expense to average assets	2.8585%	2,384
Loan and lease loss provision to assets	0.0994%	1,935
Net operating income to assets	0.7993%	3,675
Return on assets (ROA)	0.7993%	3,748
Pretax return on assets	0.9515%	3,733
Return on Equity (ROE)	6.5727%	3,850
Retained earnings to average equity (ytd only)	6.5727%	2,075
Net charge-offs to loans	-0.0786%	4,945
Credit loss provision to net charge-offs	-188.4615%	4,158
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	73.1188%	1,683
Assets per employee ($millions)	4.5151%	3,179
Cash dividends to net income (ytd only)*	0.0000%	3,563
Condition Ratios (%)
Loss allowance to loans	1.2023%	2,491
Loan loss allowance to noncurrent loans	76.4376%	3,719
Noncurrent assets plus other real estate owned to assets	1.0528%	1,258
Noncurrent loans to loans	1.5730%	939
Net loans and leases to total assets	66.1238%	3,036
Net loans and leases to deposits	75.6764%	3,327
Net loans and leases to core deposits	77.2574%	3,610
Total domestic deposits to total assets	87.3771%	1,324
Equity capital to assets	12.2051%	2,110
Core capital (leverage) ratio	12.4081%	1,618
Tier 1 risk-based capital ratio	21.5974%	1,124
Total risk-based capital ratio	22.8491%	1,099
Memoranda:
Average total assets	$65,720,250	4,562
Average earning assets	$58,727,250	4,598
Average equity	$7,992,500	4,559
Average total loans	$44,096,500	4,359
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2068%	3,910
Cost of funding earning assets	0.3818%	4,576
Net interest margin	3.8250%	2,499
Noninterest income to average assets	0.5503%	2,383
Noninterest expense to average assets	2.7148%	2,859
Loan and lease loss provision to assets	0.0769%	2,278
Net operating income to assets	1.0392%	2,769
Return on assets (ROA)	1.0392%	2,840
Pretax return on assets	1.1775%	2,991
Return on Equity (ROE)	8.5555%	3,044
Retained earnings to average equity (ytd only)	8.5555%	1,180
Net charge-offs to loans	-0.1145%	5,026
Credit loss provision to net charge-offs	-100.0000%	3,898
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	68.3966%	2,466
Assets per employee ($millions)	4.4328%	3,240
Cash dividends to net income (ytd only)*	0.0000%	3,431
Condition Ratios (%)
Loss allowance to loans	1.1752%	2,650
Loan loss allowance to noncurrent loans	72.0222%	3,799
Noncurrent assets plus other real estate owned to assets	1.1084%	1,223
Noncurrent loans to loans	1.6317%	947
Net loans and leases to total assets	65.7658%	3,138
Net loans and leases to deposits	75.2172%	3,405
Net loans and leases to core deposits	76.8362%	3,659
Total domestic deposits to total assets	87.4346%	1,369
Equity capital to assets	12.3188%	1,966
Core capital (leverage) ratio	12.6569%	1,455
Tier 1 risk-based capital ratio	21.8682%	1,070
Total risk-based capital ratio	23.1178%	1,046
Memoranda:
Average total assets	$65,051,670	4,606
Average earning assets	$58,143,330	4,640
Average equity	$7,901,330	4,593
Average total loans	$43,686,000	4,398
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1677%	3,960
Cost of funding earning assets	0.3612%	4,643
Net interest margin	3.8065%	2,504
Noninterest income to average assets	0.5534%	2,269
Noninterest expense to average assets	2.6239%	3,147
Loan and lease loss provision to assets	0.0684%	2,299
Net operating income to assets	1.1441%	2,296
Return on assets (ROA)	1.1441%	2,342
Pretax return on assets	1.2684%	2,575
Return on Equity (ROE)	9.4888%	2,592
Retained earnings to average equity (ytd only)	9.4888%	1,168
Net charge-offs to loans	-0.2304%	5,185
Credit loss provision to net charge-offs	-44.0000%	3,478
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	66.2480%	2,910
Assets per employee ($millions)	4.3630%	3,392
Cash dividends to net income (ytd only)*	0.0000%	2,768
Condition Ratios (%)
Loss allowance to loans	1.1510%	2,845
Loan loss allowance to noncurrent loans	71.9772%	3,844
Noncurrent assets plus other real estate owned to assets	1.1154%	1,233
Noncurrent loans to loans	1.5991%	990
Net loans and leases to total assets	66.4008%	2,990
Net loans and leases to deposits	75.7443%	3,287
Net loans and leases to core deposits	78.1906%	3,499
Total domestic deposits to total assets	87.6645%	1,488
Equity capital to assets	12.0666%	1,981
Core capital (leverage) ratio	12.7385%	1,382
Tier 1 risk-based capital ratio	21.3156%	1,127
Total risk-based capital ratio	22.5645%	1,111
Memoranda:
Average total assets	$64,331,500	4,669
Average earning assets	$57,585,500	4,702
Average equity	$7,756,500	4,643
Average total loans	$43,404,500	4,444
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1473%	3,595
Cost of funding earning assets	0.2574%	4,770
Net interest margin	3.8899%	2,355
Noninterest income to average assets	0.5729%	2,432
Noninterest expense to average assets	3.3013%	1,315
Loan and lease loss provision to assets	0.1036%	2,125
Net operating income to assets	0.5358%	4,581
Return on assets (ROA)	0.4952%	4,676
Pretax return on assets	0.6150%	4,607
Return on Equity (ROE)	4.0590%	4,697
Retained earnings to average equity (ytd only)	2.7325%	4,038
Net charge-offs to loans	0.1046%	1,712
Credit loss provision to net charge-offs	148.8372%	1,848
Earnings coverage of net charge-offs (x)	11.0465%	2,662
Efficiency ratio	81.1133%	871
Assets per employee ($millions)	4.2145%	3,594
Cash dividends to net income (ytd only)*	32.6797%	2,913
Condition Ratios (%)
Loss allowance to loans	1.0969%	3,117
Loan loss allowance to noncurrent loans	77.8146%	3,788
Noncurrent assets plus other real estate owned to assets	0.9792%	1,394
Noncurrent loans to loans	1.4097%	1,105
Net loans and leases to total assets	67.0331%	2,997
Net loans and leases to deposits	76.4128%	3,324
Net loans and leases to core deposits	78.9658%	3,506
Total domestic deposits to total assets	87.7250%	1,436
Equity capital to assets	12.0472%	1,866
Core capital (leverage) ratio	12.6582%	1,390
Tier 1 risk-based capital ratio	21.5796%	1,084
Total risk-based capital ratio	22.8298%	1,064
Memoranda:
Average total assets	$61,793,000	4,726
Average earning assets	$55,554,800	4,757
Average equity	$7,538,800	4,671
Average total loans	$41,110,400	4,517
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1205%	3,565
Cost of funding earning assets	0.2414%	4,838
Net interest margin	3.8791%	2,376
Noninterest income to average assets	0.5013%	2,856
Noninterest expense to average assets	2.9970%	2,024
Loan and lease loss provision to assets	0.1107%	1,823
Net operating income to assets	0.7401%	4,106
Return on assets (ROA)	0.6836%	4,292
Pretax return on assets	0.8138%	4,257
Return on Equity (ROE)	5.5853%	4,389
Retained earnings to average equity (ytd only)	5.5853%	2,897
Net charge-offs to loans	0.0098%	3,074
Credit loss provision to net charge-offs	1,700.0000%	246
Earnings coverage of net charge-offs (x)	152.3300%	541
Efficiency ratio	75.1360%	1,443
Assets per employee ($millions)	4.1198%	3,697
Cash dividends to net income (ytd only)*	0.0000%	3,598
Condition Ratios (%)
Loss allowance to loans	1.1897%	2,683
Loan loss allowance to noncurrent loans	86.4348%	3,695
Noncurrent assets plus other real estate owned to assets	0.9305%	1,581
Noncurrent loans to loans	1.3764%	1,213
Net loans and leases to total assets	66.7977%	3,092
Net loans and leases to deposits	76.4044%	3,378
Net loans and leases to core deposits	78.4384%	3,628
Total domestic deposits to total assets	87.4266%	1,533
Equity capital to assets	12.2077%	1,768
Core capital (leverage) ratio	12.9785%	1,286
Tier 1 risk-based capital ratio	22.2656%	1,018
Total risk-based capital ratio	23.5159%	997
Memoranda:
Average total assets	$61,436,750	4,784
Average earning assets	$55,234,750	4,818
Average equity	$7,519,500	4,724
Average total loans	$40,676,250	4,576
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0877%	3,500
Cost of funding earning assets	0.2209%	4,913
Net interest margin	3.8669%	2,326
Noninterest income to average assets	0.5317%	2,677
Noninterest expense to average assets	2.8932%	2,371
Loan and lease loss provision to assets	0.1011%	1,927
Net operating income to assets	0.8763%	3,554
Return on assets (ROA)	0.7893%	3,891
Pretax return on assets	0.9198%	3,911
Return on Equity (ROE)	6.4436%	4,079
Retained earnings to average equity (ytd only)	6.4436%	2,339
Net charge-offs to loans	0.0198%	2,491
Credit loss provision to net charge-offs	775.0000%	511
Earnings coverage of net charge-offs (x)	86.0000%	784
Efficiency ratio	72.0552%	2,004
Assets per employee ($millions)	4.1280%	3,683
Cash dividends to net income (ytd only)*	0.0000%	3,456
Condition Ratios (%)
Loss allowance to loans	1.1534%	2,962
Loan loss allowance to noncurrent loans	78.6777%	3,864
Noncurrent assets plus other real estate owned to assets	0.9771%	1,541
Noncurrent loans to loans	1.4660%	1,152
Net loans and leases to total assets	65.8802%	3,172
Net loans and leases to deposits	75.2541%	3,420
Net loans and leases to core deposits	77.2478%	3,640
Total domestic deposits to total assets	87.5436%	1,621
Equity capital to assets	12.2061%	1,719
Core capital (leverage) ratio	12.8258%	1,308
Tier 1 risk-based capital ratio	21.6531%	1,080
Total risk-based capital ratio	22.9017%	1,056
Memoranda:
Average total assets	$61,316,670	4,849
Average earning assets	$55,238,330	4,874
Average equity	$7,511,330	4,772
Average total loans	$40,309,670	4,632
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0805%	3,300
Cost of funding earning assets	0.1967%	5,037
Net interest margin	3.8838%	2,109
Noninterest income to average assets	0.5113%	2,741
Noninterest expense to average assets	2.8911%	2,402
Loan and lease loss provision to assets	0.1049%	1,773
Net operating income to assets	0.8460%	3,522
Return on assets (ROA)	0.6752%	4,192
Pretax return on assets	0.8064%	4,133
Return on Equity (ROE)	5.5021%	4,319
Retained earnings to average equity (ytd only)	5.5021%	2,950
Net charge-offs to loans	-0.0100%	4,251
Credit loss provision to net charge-offs	-1,600.0000%	4,261
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.1768%	2,168
Assets per employee ($millions)	4.0537%	3,885
Cash dividends to net income (ytd only)*	0.0000%	2,749
Condition Ratios (%)
Loss allowance to loans	1.1439%	3,123
Loan loss allowance to noncurrent loans	107.8704%	3,322
Noncurrent assets plus other real estate owned to assets	0.7105%	2,193
Noncurrent loans to loans	1.0604%	1,727
Net loans and leases to total assets	66.2314%	2,999
Net loans and leases to deposits	75.7007%	3,246
Net loans and leases to core deposits	77.7437%	3,515
Total domestic deposits to total assets	87.4912%	1,903
Equity capital to assets	12.2753%	1,619
Core capital (leverage) ratio	12.9270%	1,208
Tier 1 risk-based capital ratio	21.7212%	1,097
Total risk-based capital ratio	22.9712%	1,066
Memoranda:
Average total assets	$61,015,000	4,905
Average earning assets	$54,895,000	4,939
Average equity	$7,488,000	4,823
Average total loans	$39,830,000	4,695
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9137%	3,677
Cost of funding earning assets	0.1921%	5,006
Net interest margin	3.7216%	2,714
Noninterest income to average assets	0.4753%	3,157
Noninterest expense to average assets	3.1068%	1,845
Loan and lease loss provision to assets	0.0686%	2,829
Net operating income to assets	0.3972%	4,700
Return on assets (ROA)	0.3773%	4,776
Pretax return on assets	0.5913%	4,757
Return on Equity (ROE)	3.0773%	4,804
Retained earnings to average equity (ytd only)	2.4112%	3,889
Net charge-offs to loans	0.1246%	1,805
Credit loss provision to net charge-offs	97.6744%	2,646
Earnings coverage of net charge-offs (x)	9.8372%	2,744
Efficiency ratio	81.8065%	941
Assets per employee ($millions)	4.0817%	3,838
Cash dividends to net income (ytd only)*	21.6450%	3,627
Condition Ratios (%)
Loss allowance to loans	1.1536%	3,032
Loan loss allowance to noncurrent loans	73.7274%	4,023
Noncurrent assets plus other real estate owned to assets	0.9947%	1,553
Noncurrent loans to loans	1.5647%	1,081
Net loans and leases to total assets	62.8387%	3,502
Net loans and leases to deposits	71.7833%	3,722
Net loans and leases to core deposits	73.7031%	3,899
Total domestic deposits to total assets	87.5394%	1,743
Equity capital to assets	12.2695%	1,657
Core capital (leverage) ratio	12.6824%	1,272
Tier 1 risk-based capital ratio	22.1047%	1,007
Total risk-based capital ratio	23.3537%	984
Memoranda:
Average total assets	$61,220,600	4,941
Average earning assets	$54,653,600	4,981
Average equity	$7,506,600	4,858
Average total loans	$34,511,200	4,886
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8938%	3,698
Cost of funding earning assets	0.1933%	5,027
Net interest margin	3.7005%	2,764
Noninterest income to average assets	0.4813%	3,143
Noninterest expense to average assets	2.7899%	2,761
Loan and lease loss provision to assets	0.0610%	2,859
Net operating income to assets	0.7370%	3,782
Return on assets (ROA)	0.7318%	3,885
Pretax return on assets	0.9169%	3,981
Return on Equity (ROE)	5.9690%	4,136
Retained earnings to average equity (ytd only)	5.9690%	2,254
Net charge-offs to loans	0.1716%	1,217
Credit loss provision to net charge-offs	65.1163%	2,747
Earnings coverage of net charge-offs (x)	10.5119%	2,586
Efficiency ratio	73.9181%	1,905
Assets per employee ($millions)	4.0578%	3,889
Cash dividends to net income (ytd only)*	0.0000%	3,680
Condition Ratios (%)
Loss allowance to loans	1.2230%	2,786
Loan loss allowance to noncurrent loans	83.4933%	3,837
Noncurrent assets plus other real estate owned to assets	0.8560%	2,011
Noncurrent loans to loans	1.4648%	1,273
Net loans and leases to total assets	57.7209%	4,090
Net loans and leases to deposits	66.4115%	4,220
Net loans and leases to core deposits	68.2101%	4,352
Total domestic deposits to total assets	86.9141%	1,899
Equity capital to assets	12.7310%	1,527
Core capital (leverage) ratio	12.8568%	1,268
Tier 1 risk-based capital ratio	24.1163%	839
Total risk-based capital ratio	25.3651%	818
Memoranda:
Average total assets	$61,219,500	4,994
Average earning assets	$54,477,750	5,040
Average equity	$7,505,250	4,910
Average total loans	$33,408,500	4,962
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8609%	3,679
Cost of funding earning assets	0.1837%	5,111
Net interest margin	3.6772%	2,730
Noninterest income to average assets	0.5380%	2,775
Noninterest expense to average assets	2.8237%	2,671
Loan and lease loss provision to assets	0.0000%	3,871
Net operating income to assets	0.8163%	3,320
Return on assets (ROA)	0.8217%	3,344
Pretax return on assets	0.9847%	3,622
Return on Equity (ROE)	6.7888%	3,665
Retained earnings to average equity (ytd only)	6.7888%	1,690
Net charge-offs to loans	0.0245%	2,730
Credit loss provision to net charge-offs	0.0000%	2,905
Earnings coverage of net charge-offs (x)	75.0000%	802
Efficiency ratio	74.2710%	1,962
Assets per employee ($millions)	4.1407%	3,725
Cash dividends to net income (ytd only)*	0.0000%	3,521
Condition Ratios (%)
Loss allowance to loans	1.2849%	2,490
Loan loss allowance to noncurrent loans	71.8196%	4,133
Noncurrent assets plus other real estate owned to assets	0.9998%	1,749
Noncurrent loans to loans	1.7891%	1,012
Net loans and leases to total assets	55.1666%	4,297
Net loans and leases to deposits	63.1769%	4,419
Net loans and leases to core deposits	64.8424%	4,549
Total domestic deposits to total assets	87.3209%	1,794
Equity capital to assets	12.3974%	1,672
Core capital (leverage) ratio	12.6466%	1,317
Tier 1 risk-based capital ratio	24.7210%	782
Total risk-based capital ratio	25.9706%	761
Memoranda:
Average total assets	$61,337,000	5,032
Average earning assets	$54,443,000	5,077
Average equity	$7,424,000	4,941
Average total loans	$32,688,670	5,017
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7207%	4,051
Cost of funding earning assets	0.1927%	5,038
Net interest margin	3.5280%	3,170
Noninterest income to average assets	0.5513%	2,656
Noninterest expense to average assets	2.9860%	2,196
Loan and lease loss provision to assets	0.0000%	3,537
Net operating income to assets	0.5250%	4,492
Return on assets (ROA)	0.5250%	4,532
Pretax return on assets	0.6891%	4,483
Return on Equity (ROE)	4.3920%	4,634
Retained earnings to average equity (ytd only)	4.3920%	3,230
Net charge-offs to loans	0.0253%	2,254
Credit loss provision to net charge-offs	0.0000%	2,277
Earnings coverage of net charge-offs (x)	52.5000%	871
Efficiency ratio	81.2500%	1,227
Assets per employee ($millions)	4.0901%	3,858
Cash dividends to net income (ytd only)*	0.0000%	2,824
Condition Ratios (%)
Loss allowance to loans	1.3811%	2,158
Loan loss allowance to noncurrent loans	69.1358%	4,223
Noncurrent assets plus other real estate owned to assets	1.0562%	1,706
Noncurrent loans to loans	1.9977%	894
Net loans and leases to total assets	52.1410%	4,504
Net loans and leases to deposits	59.4006%	4,608
Net loans and leases to core deposits	60.9767%	4,724
Total domestic deposits to total assets	87.7785%	1,841
Equity capital to assets	11.9591%	1,870
Core capital (leverage) ratio	12.5134%	1,336
Tier 1 risk-based capital ratio	24.9745%	774
Total risk-based capital ratio	26.2261%	756
Memoranda:
Average total assets	$60,950,500	5,096
Average earning assets	$53,968,000	5,138
Average equity	$7,286,000	5,007
Average total loans	$31,678,000	5,105
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6567%	4,348
Cost of funding earning assets	0.2228%	4,803
Net interest margin	3.4340%	3,690
Noninterest income to average assets	0.3830%	4,013
Noninterest expense to average assets	3.0354%	2,237
Loan and lease loss provision to assets	0.0000%	4,332
Net operating income to assets	0.3395%	5,111
Return on assets (ROA)	0.3573%	5,150
Pretax return on assets	0.4201%	5,186
Return on Equity (ROE)	2.9826%	5,168
Retained earnings to average equity (ytd only)	2.3108%	4,212
Net charge-offs to loans	0.0132%	3,836
Credit loss provision to net charge-offs	0.0000%	3,785
Earnings coverage of net charge-offs (x)	62.0000%	866
Efficiency ratio	88.3786%	647
Assets per employee ($millions)	3.7844%	4,333
Cash dividends to net income (ytd only)*	22.5225%	3,635
Condition Ratios (%)
Loss allowance to loans	1.4554%	1,852
Loan loss allowance to noncurrent loans	76.1421%	4,086
Noncurrent assets plus other real estate owned to assets	0.9761%	1,940
Noncurrent loans to loans	1.9114%	965
Net loans and leases to total assets	50.3204%	4,744
Net loans and leases to deposits	57.2973%	4,837
Net loans and leases to core deposits	58.8352%	4,915
Total domestic deposits to total assets	87.8233%	1,727
Equity capital to assets	11.9488%	1,842
Core capital (leverage) ratio	12.2925%	1,436
Tier 1 risk-based capital ratio	25.8194%	707
Total risk-based capital ratio	27.0721%	691
Memoranda:
Average total assets	$62,134,400	5,086
Average earning assets	$55,213,200	5,141
Average equity	$7,443,200	5,016
Average total loans	$30,317,000	5,177
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6461%	4,420
Cost of funding earning assets	0.2303%	4,785
Net interest margin	3.4159%	3,794
Noninterest income to average assets	0.3731%	4,108
Noninterest expense to average assets	2.8615%	2,783
Loan and lease loss provision to assets	0.0000%	4,186
Net operating income to assets	0.3952%	5,031
Return on assets (ROA)	0.4137%	5,069
Pretax return on assets	0.5736%	4,949
Return on Equity (ROE)	3.4510%	5,100
Retained earnings to average equity (ytd only)	3.4510%	3,830
Net charge-offs to loans	0.0177%	3,366
Credit loss provision to net charge-offs	0.0000%	3,412
Earnings coverage of net charge-offs (x)	64.2889%	905
Efficiency ratio	83.9275%	998
Assets per employee ($millions)	3.8283%	4,256
Cash dividends to net income (ytd only)*	0.0000%	3,760
Condition Ratios (%)
Loss allowance to loans	1.4729%	1,870
Loan loss allowance to noncurrent loans	63.2911%	4,418
Noncurrent assets plus other real estate owned to assets	1.1608%	1,728
Noncurrent loans to loans	2.3271%	788
Net loans and leases to total assets	49.1462%	4,882
Net loans and leases to deposits	56.4625%	4,963
Net loans and leases to core deposits	57.9729%	5,053
Total domestic deposits to total assets	87.0421%	1,873
Equity capital to assets	12.5171%	1,771
Core capital (leverage) ratio	12.1265%	1,586
Tier 1 risk-based capital ratio	26.4070%	684
Total risk-based capital ratio	27.6599%	667
Memoranda:
Average total assets	$62,530,500	5,130
Average earning assets	$55,582,500	5,181
Average equity	$7,495,250	5,060
Average total loans	$30,166,500	5,231
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6411%	4,472
Cost of funding earning assets	0.2361%	4,791
Net interest margin	3.4050%	3,874
Noninterest income to average assets	0.3685%	4,115
Noninterest expense to average assets	2.6907%	3,423
Loan and lease loss provision to assets	0.0000%	4,017
Net operating income to assets	0.5617%	4,431
Return on assets (ROA)	0.5718%	4,518
Pretax return on assets	0.7148%	4,573
Return on Equity (ROE)	4.8400%	4,583
Retained earnings to average equity (ytd only)	4.8400%	2,837
Net charge-offs to loans	0.0266%	2,947
Credit loss provision to net charge-offs	0.0000%	3,050
Earnings coverage of net charge-offs (x)	55.2500%	925
Efficiency ratio	79.3071%	1,589
Assets per employee ($millions)	3.8782%	4,126
Cash dividends to net income (ytd only)*	0.0000%	3,619
Condition Ratios (%)
Loss allowance to loans	1.4700%	1,984
Loan loss allowance to noncurrent loans	107.6555%	3,551
Noncurrent assets plus other real estate owned to assets	0.6736%	2,983
Noncurrent loans to loans	1.3654%	1,638
Net loans and leases to total assets	48.6100%	4,939
Net loans and leases to deposits	55.6903%	5,038
Net loans and leases to core deposits	57.1540%	5,121
Total domestic deposits to total assets	87.2863%	1,764
Equity capital to assets	12.3753%	1,849
Core capital (leverage) ratio	11.8981%	1,702
Tier 1 risk-based capital ratio	26.2231%	710
Total risk-based capital ratio	27.4766%	697
Memoranda:
Average total assets	$62,956,670	5,174
Average earning assets	$55,917,670	5,222
Average equity	$7,438,000	5,113
Average total loans	$30,037,670	5,293
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6918%	4,351
Cost of funding earning assets	0.2437%	4,766
Net interest margin	3.4481%	3,676
Noninterest income to average assets	0.2271%	5,112
Noninterest expense to average assets	2.6873%	3,462
Loan and lease loss provision to assets	0.0000%	3,656
Net operating income to assets	0.4479%	4,840
Return on assets (ROA)	0.4479%	4,920
Pretax return on assets	0.5740%	4,893
Return on Equity (ROE)	3.8811%	4,932
Retained earnings to average equity (ytd only)	3.8811%	3,556
Net charge-offs to loans	0.0403%	2,195
Credit loss provision to net charge-offs	0.0000%	2,416
Earnings coverage of net charge-offs (x)	30.3333%	1,176
Efficiency ratio	82.3985%	1,338
Assets per employee ($millions)	3.9723%	4,004
Cash dividends to net income (ytd only)*	0.0000%	2,863
Condition Ratios (%)
Loss allowance to loans	1.5227%	1,895
Loan loss allowance to noncurrent loans	96.5665%	3,693
Noncurrent assets plus other real estate owned to assets	0.7332%	2,883
Noncurrent loans to loans	1.5769%	1,476
Net loans and leases to total assets	45.7888%	5,132
Net loans and leases to deposits	52.0050%	5,228
Net loans and leases to core deposits	53.3258%	5,297
Total domestic deposits to total assets	88.0469%	1,613
Equity capital to assets	11.6809%	2,263
Core capital (leverage) ratio	11.7559%	1,788
Tier 1 risk-based capital ratio	26.2169%	721
Total risk-based capital ratio	27.4709%	704
Memoranda:
Average total assets	$63,409,500	5,213
Average earning assets	$55,799,000	5,272
Average equity	$7,317,500	5,172
Average total loans	$29,750,000	5,347
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7423%	4,224
Cost of funding earning assets	0.2721%	4,558
Net interest margin	3.4702%	3,638
Noninterest income to average assets	0.3776%	4,199
Noninterest expense to average assets	2.8692%	2,969
Loan and lease loss provision to assets	0.0000%	4,380
Net operating income to assets	0.4836%	4,753
Return on assets (ROA)	0.4923%	4,814
Pretax return on assets	0.6277%	4,758
Return on Equity (ROE)	4.3356%	4,806
Retained earnings to average equity (ytd only)	4.3356%	2,894
Net charge-offs to loans	0.0100%	4,116
Credit loss provision to net charge-offs	0.0000%	3,899
Earnings coverage of net charge-offs (x)	129.0000%	470
Efficiency ratio	82.3126%	1,364
Assets per employee ($millions)	3.7213%	4,437
Cash dividends to net income (ytd only)*	0.0000%	4,258
Condition Ratios (%)
Loss allowance to loans	1.5160%	1,930
Loan loss allowance to noncurrent loans	110.7317%	3,455
Noncurrent assets plus other real estate owned to assets	0.6481%	3,107
Noncurrent loans to loans	1.3690%	1,713
Net loans and leases to total assets	46.6220%	5,119
Net loans and leases to deposits	52.7592%	5,238
Net loans and leases to core deposits	54.0986%	5,311
Total domestic deposits to total assets	88.3674%	1,439
Equity capital to assets	11.3986%	2,449
Core capital (leverage) ratio	11.6631%	1,839
Tier 1 risk-based capital ratio	25.5767%	770
Total risk-based capital ratio	26.8293%	751
Memoranda:
Average total assets	$62,769,200	5,248
Average earning assets	$56,221,600	5,286
Average equity	$7,127,000	5,219
Average total loans	$30,075,000	5,354
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7420%	4,284
Cost of funding earning assets	0.2762%	4,598
Net interest margin	3.4658%	3,690
Noninterest income to average assets	0.3299%	4,580
Noninterest expense to average assets	2.5497%	4,048
Loan and lease loss provision to assets	0.0000%	4,232
Net operating income to assets	0.6741%	4,016
Return on assets (ROA)	0.6853%	4,084
Pretax return on assets	0.9194%	3,917
Return on Equity (ROE)	6.0417%	4,128
Retained earnings to average equity (ytd only)	6.0417%	2,220
Net charge-offs to loans	0.0133%	3,711
Credit loss provision to net charge-offs	0.0000%	3,517
Earnings coverage of net charge-offs (x)	141.6625%	488
Efficiency ratio	73.8139%	2,590
Assets per employee ($millions)	3.8626%	4,149
Cash dividends to net income (ytd only)*	0.0000%	3,801
Condition Ratios (%)
Loss allowance to loans	1.5261%	2,046
Loan loss allowance to noncurrent loans	194.0171%	2,322
Noncurrent assets plus other real estate owned to assets	0.3786%	4,250
Noncurrent loans to loans	0.7866%	2,997
Net loans and leases to total assets	47.4014%	5,122
Net loans and leases to deposits	54.2269%	5,238
Net loans and leases to core deposits	55.6516%	5,323
Total domestic deposits to total assets	87.4130%	1,838
Equity capital to assets	11.8103%	2,254
Core capital (leverage) ratio	11.6878%	1,896
Tier 1 risk-based capital ratio	25.8198%	788
Total risk-based capital ratio	27.0719%	769
Memoranda:
Average total assets	$62,646,000	5,321
Average earning assets	$56,474,250	5,350
Average equity	$7,106,000	5,292
Average total loans	$30,106,750	5,417
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7500%	4,236
Cost of funding earning assets	0.2806%	4,604
Net interest margin	3.4694%	3,621
Noninterest income to average assets	0.3401%	4,523
Noninterest expense to average assets	2.4155%	4,496
Loan and lease loss provision to assets	0.0000%	4,069
Net operating income to assets	0.8188%	3,290
Return on assets (ROA)	0.8359%	3,308
Pretax return on assets	1.0901%	3,217
Return on Equity (ROE)	7.4698%	3,338
Retained earnings to average equity (ytd only)	7.4698%	1,493
Net charge-offs to loans	0.0000%	3,893
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.3431%	3,436
Assets per employee ($millions)	4.9020%	2,399
Cash dividends to net income (ytd only)*	0.0000%	3,641
Condition Ratios (%)
Loss allowance to loans	1.5382%	2,123
Loan loss allowance to noncurrent loans	91.7671%	3,918
Noncurrent assets plus other real estate owned to assets	0.7815%	3,043
Noncurrent loans to loans	1.6762%	1,553
Net loans and leases to total assets	45.9043%	5,253
Net loans and leases to deposits	52.0127%	5,379
Net loans and leases to core deposits	53.3220%	5,466
Total domestic deposits to total assets	88.2560%	1,515
Equity capital to assets	11.1116%	2,766
Core capital (leverage) ratio	11.5410%	1,962
Tier 1 risk-based capital ratio	25.5475%	814
Total risk-based capital ratio	26.7998%	802
Memoranda:
Average total assets	$62,927,330	5,375
Average earning assets	$57,013,000	5,396
Average equity	$7,041,670	5,348
Average total loans	$30,226,000	5,463
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8739%	3,731
Cost of funding earning assets	0.2991%	4,452
Net interest margin	3.5749%	3,101
Noninterest income to average assets	0.3263%	4,576
Noninterest expense to average assets	2.3222%	4,820
Loan and lease loss provision to assets	0.0000%	3,703
Net operating income to assets	1.0448%	2,053
Return on assets (ROA)	1.0811%	2,047
Pretax return on assets	1.3370%	2,128
Return on Equity (ROE)	9.6269%	2,168
Retained earnings to average equity (ytd only)	9.6269%	1,012
Net charge-offs to loans	0.0000%	3,288
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	64.2478%	4,440
Assets per employee ($millions)	5.2072%	2,102
Cash dividends to net income (ytd only)*	0.0000%	2,870
Condition Ratios (%)
Loss allowance to loans	1.5013%	2,436
Loan loss allowance to noncurrent loans	115.1134%	3,357
Noncurrent assets plus other real estate owned to assets	0.6353%	3,593
Noncurrent loans to loans	1.3042%	2,206
Net loans and leases to total assets	47.9851%	5,033
Net loans and leases to deposits	54.5739%	5,154
Net loans and leases to core deposits	56.6687%	5,210
Total domestic deposits to total assets	87.9269%	1,873
Equity capital to assets	11.4714%	2,490
Core capital (leverage) ratio	11.5232%	1,985
Tier 1 risk-based capital ratio	25.7042%	815
Total risk-based capital ratio	26.9557%	798
Memoranda:
Average total assets	$62,528,000	5,438
Average earning assets	$57,512,500	5,436
Average equity	$7,022,000	5,400
Average total loans	$30,484,000	5,487
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8385%	4,358
Cost of funding earning assets	0.3728%	4,003
Net interest margin	3.4656%	3,918
Noninterest income to average assets	0.2886%	5,054
Noninterest expense to average assets	2.5522%	4,388
Loan and lease loss provision to assets	0.0265%	4,076
Net operating income to assets	0.6534%	4,120
Return on assets (ROA)	0.6568%	4,206
Pretax return on assets	0.9048%	3,885
Return on Equity (ROE)	6.4690%	3,919
Retained earnings to average equity (ytd only)	6.4690%	1,663
Net charge-offs to loans	0.0000%	4,970
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	73.3632%	2,951
Assets per employee ($millions)	5.2142%	2,060
Cash dividends to net income (ytd only)*	0.0000%	4,317
Condition Ratios (%)
Loss allowance to loans	1.4970%	2,492
Loan loss allowance to noncurrent loans	112.5616%	3,451
Noncurrent assets plus other real estate owned to assets	0.6489%	3,624
Noncurrent loans to loans	1.3300%	2,213
Net loans and leases to total assets	48.0582%	5,150
Net loans and leases to deposits	54.1490%	5,322
Net loans and leases to core deposits	56.4282%	5,354
Total domestic deposits to total assets	88.7518%	1,388
Equity capital to assets	10.9893%	2,905
Core capital (leverage) ratio	11.0936%	2,321
Tier 1 risk-based capital ratio	25.2791%	813
Total risk-based capital ratio	26.5355%	800
Memoranda:
Average total assets	$64,100,400	5,442
Average earning assets	$59,008,000	5,427
Average equity	$6,508,000	5,523
Average total loans	$29,511,400	5,578
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8553%	4,351
Cost of funding earning assets	0.3959%	3,835
Net interest margin	3.4594%	3,978
Noninterest income to average assets	0.2729%	5,258
Noninterest expense to average assets	2.2786%	5,157
Loan and lease loss provision to assets	0.0000%	4,401
Net operating income to assets	0.9294%	2,783
Return on assets (ROA)	0.9408%	2,816
Pretax return on assets	1.1889%	2,824
Return on Equity (ROE)	9.4553%	2,471
Retained earnings to average equity (ytd only)	9.4553%	854
Net charge-offs to loans	-0.0091%	5,410
Credit loss provision to net charge-offs	0.0000%	3,801
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	65.9880%	4,215
Assets per employee ($millions)	5.3590%	1,851
Cash dividends to net income (ytd only)*	0.0000%	3,806
Condition Ratios (%)
Loss allowance to loans	1.4812%	2,817
Loan loss allowance to noncurrent loans	58.7766%	4,837
Noncurrent assets plus other real estate owned to assets	1.1694%	2,610
Noncurrent loans to loans	2.5201%	1,159
Net loans and leases to total assets	45.7144%	5,406
Net loans and leases to deposits	51.4365%	5,564
Net loans and leases to core deposits	53.5512%	5,591
Total domestic deposits to total assets	88.8754%	1,316
Equity capital to assets	10.5834%	3,451
Core capital (leverage) ratio	10.9031%	2,577
Tier 1 risk-based capital ratio	24.6645%	907
Total risk-based capital ratio	25.9193%	898
Memoranda:
Average total assets	$64,483,000	5,498
Average earning assets	$59,276,000	5,472
Average equity	$6,416,000	5,602
Average total loans	$29,257,500	5,650
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8467%	4,346
Cost of funding earning assets	0.4117%	3,751
Net interest margin	3.4351%	4,039
Noninterest income to average assets	0.3471%	4,656
Noninterest expense to average assets	2.2466%	5,297
Loan and lease loss provision to assets	0.0000%	4,196
Net operating income to assets	1.0112%	2,287
Return on assets (ROA)	1.0288%	2,272
Pretax return on assets	1.2767%	2,346
Return on Equity (ROE)	10.5632%	1,915
Retained earnings to average equity (ytd only)	10.5632%	605
Net charge-offs to loans	-0.0138%	5,415
Credit loss provision to net charge-offs	0.0000%	3,401
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	64.1593%	4,665
Assets per employee ($millions)	5.3655%	1,819
Cash dividends to net income (ytd only)*	0.0000%	3,638
Condition Ratios (%)
Loss allowance to loans	1.5016%	2,890
Loan loss allowance to noncurrent loans	80.3636%	4,172
Noncurrent assets plus other real estate owned to assets	0.8542%	3,405
Noncurrent loans to loans	1.8685%	1,841
Net loans and leases to total assets	45.0315%	5,463
Net loans and leases to deposits	50.4524%	5,606
Net loans and leases to core deposits	52.5044%	5,641
Total domestic deposits to total assets	89.2554%	1,220
Equity capital to assets	10.3408%	3,631
Core capital (leverage) ratio	10.7837%	2,640
Tier 1 risk-based capital ratio	24.4196%	941
Total risk-based capital ratio	25.6734%	917
Memoranda:
Average total assets	$64,541,330	5,542
Average earning assets	$59,271,330	5,526
Average equity	$6,286,000	5,658
Average total loans	$29,063,330	5,694
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8818%	4,156
Cost of funding earning assets	0.4515%	3,410
Net interest margin	3.4303%	3,982
Noninterest income to average assets	0.2724%	5,193
Noninterest expense to average assets	2.2656%	5,292
Loan and lease loss provision to assets	0.0000%	3,817
Net operating income to assets	0.9190%	2,554
Return on assets (ROA)	0.9533%	2,464
Pretax return on assets	1.2009%	2,484
Return on Equity (ROE)	10.0984%	1,998
Retained earnings to average equity (ytd only)	10.0984%	935
Net charge-offs to loans	0.0000%	3,660
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	66.1844%	4,501
Assets per employee ($millions)	5.3762%	1,829
Cash dividends to net income (ytd only)*	0.0000%	2,852
Condition Ratios (%)
Loss allowance to loans	1.5259%	3,035
Loan loss allowance to noncurrent loans	84.7784%	4,019
Noncurrent assets plus other real estate owned to assets	0.8045%	3,730
Noncurrent loans to loans	1.7998%	2,141
Net loans and leases to total assets	44.0153%	5,514
Net loans and leases to deposits	48.9561%	5,673
Net loans and leases to core deposits	51.4038%	5,656
Total domestic deposits to total assets	89.9076%	1,125
Equity capital to assets	9.7219%	4,203
Core capital (leverage) ratio	10.5071%	2,924
Tier 1 risk-based capital ratio	24.1326%	982
Total risk-based capital ratio	25.3865%	965
Memoranda:
Average total assets	$64,619,000	5,607
Average earning assets	$59,354,000	5,579
Average equity	$6,100,000	5,726
Average total loans	$28,877,000	5,754
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9207%	4,385
Cost of funding earning assets	0.6243%	2,443
Net interest margin	3.2964%	4,680
Noninterest income to average assets	0.2604%	5,485
Noninterest expense to average assets	2.4551%	4,908
Loan and lease loss provision to assets	0.0551%	4,040
Net operating income to assets	0.5648%	4,432
Return on assets (ROA)	0.5835%	4,453
Pretax return on assets	0.8087%	4,115
Return on Equity (ROE)	6.0233%	4,067
Retained earnings to average equity (ytd only)	4.4424%	3,013
Net charge-offs to loans	0.0353%	4,740
Credit loss provision to net charge-offs	360.0000%	634
Earnings coverage of net charge-offs (x)	54.7000%	743
Efficiency ratio	74.5581%	3,038
Assets per employee ($millions)	6.4724%	994
Cash dividends to net income (ytd only)*	26.2467%	3,446
Condition Ratios (%)
Loss allowance to loans	1.5215%	3,090
Loan loss allowance to noncurrent loans	114.5833%	3,267
Noncurrent assets plus other real estate owned to assets	0.9795%	3,459
Noncurrent loans to loans	1.3279%	2,914
Net loans and leases to total assets	43.9991%	5,672
Net loans and leases to deposits	48.6081%	5,857
Net loans and leases to core deposits	51.2139%	5,861
Total domestic deposits to total assets	90.5182%	801
Equity capital to assets	9.1589%	4,855
Core capital (leverage) ratio	10.1208%	3,398
Tier 1 risk-based capital ratio	23.2740%	1,057
Total risk-based capital ratio	24.5290%	1,033
Memoranda:
Average total assets	$65,292,800	5,610
Average earning assets	$60,066,200	5,586
Average equity	$6,325,400	5,736
Average total loans	$28,346,800	5,835
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8887%	4,549
Cost of funding earning assets	0.6581%	2,293
Net interest margin	3.2306%	4,896
Noninterest income to average assets	0.2588%	5,590
Noninterest expense to average assets	2.2434%	5,499
Loan and lease loss provision to assets	0.0509%	3,999
Net operating income to assets	0.7342%	3,679
Return on assets (ROA)	0.7437%	3,754
Pretax return on assets	0.9475%	3,700
Return on Equity (ROE)	7.5746%	3,332
Retained earnings to average equity (ytd only)	7.5746%	1,601
Net charge-offs to loans	0.0473%	4,232
Credit loss provision to net charge-offs	250.0000%	978
Earnings coverage of net charge-offs (x)	48.4111%	887
Efficiency ratio	69.4637%	3,844
Assets per employee ($millions)	5.9405%	1,273
Cash dividends to net income (ytd only)*	0.0000%	3,738
Condition Ratios (%)
Loss allowance to loans	1.5385%	3,286
Loan loss allowance to noncurrent loans	163.1179%	2,379
Noncurrent assets plus other real estate owned to assets	0.8233%	4,051
Noncurrent loans to loans	0.9432%	3,931
Net loans and leases to total assets	42.0148%	5,903
Net loans and leases to deposits	46.6533%	6,056
Net loans and leases to core deposits	49.1242%	6,062
Total domestic deposits to total assets	90.0575%	960
Equity capital to assets	9.4727%	4,586
Core capital (leverage) ratio	10.2630%	3,300
Tier 1 risk-based capital ratio	23.5478%	1,065
Total risk-based capital ratio	24.8016%	1,040
Memoranda:
Average total assets	$65,435,000	5,669
Average earning assets	$60,173,500	5,645
Average equity	$6,424,750	5,782
Average total loans	$28,204,000	5,893
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9084%	4,443
Cost of funding earning assets	0.6919%	2,125
Net interest margin	3.2165%	4,883
Noninterest income to average assets	0.2719%	5,508
Noninterest expense to average assets	2.2699%	5,448
Loan and lease loss provision to assets	0.0214%	4,472
Net operating income to assets	0.7550%	3,537
Return on assets (ROA)	0.7699%	3,625
Pretax return on assets	0.9532%	3,704
Return on Equity (ROE)	7.7503%	3,213
Retained earnings to average equity (ytd only)	7.7503%	1,580
Net charge-offs to loans	-0.0141%	5,859
Credit loss provision to net charge-offs	-350.0000%	5,838
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.3598%	3,756
Assets per employee ($millions)	5.9023%	1,278
Cash dividends to net income (ytd only)*	0.0000%	3,522
Condition Ratios (%)
Loss allowance to loans	1.5229%	3,471
Loan loss allowance to noncurrent loans	43.3402%	5,476
Noncurrent assets plus other real estate owned to assets	1.9807%	2,172
Noncurrent loans to loans	3.5138%	1,203
Net loans and leases to total assets	42.1302%	5,893
Net loans and leases to deposits	46.9418%	6,047
Net loans and leases to core deposits	49.4442%	6,055
Total domestic deposits to total assets	89.7497%	1,174
Equity capital to assets	9.6296%	4,415
Core capital (leverage) ratio	9.9572%	3,576
Tier 1 risk-based capital ratio	23.0484%	1,125
Total risk-based capital ratio	24.3005%	1,111
Memoranda:
Average total assets	$65,464,670	5,711
Average earning assets	$60,127,000	5,690
Average equity	$6,503,000	5,810
Average total loans	$28,310,670	5,920
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9003%	4,473
Cost of funding earning assets	0.7193%	2,064
Net interest margin	3.1809%	4,995
Noninterest income to average assets	0.2495%	5,673
Noninterest expense to average assets	2.3002%	5,423
Loan and lease loss provision to assets	0.0426%	3,892
Net operating income to assets	0.6636%	3,882
Return on assets (ROA)	0.6876%	3,896
Pretax return on assets	0.8702%	3,872
Return on Equity (ROE)	6.8190%	3,584
Retained earnings to average equity (ytd only)	6.8190%	2,244
Net charge-offs to loans	0.0000%	4,145
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.2753%	3,567
Assets per employee ($millions)	6.0237%	1,241
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	1.4902%	3,873
Loan loss allowance to noncurrent loans	74.7780%	4,144
Noncurrent assets plus other real estate owned to assets	1.3175%	3,322
Noncurrent loans to loans	1.9928%	2,625
Net loans and leases to total assets	42.0021%	5,841
Net loans and leases to deposits	47.0015%	5,990
Net loans and leases to core deposits	49.2323%	6,019
Total domestic deposits to total assets	89.3633%	1,448
Equity capital to assets	9.9863%	4,166
Core capital (leverage) ratio	9.8204%	3,640
Tier 1 risk-based capital ratio	22.7287%	1,201
Total risk-based capital ratio	23.9828%	1,182
Memoranda:
Average total assets	$65,734,500	5,748
Average earning assets	$60,611,000	5,727
Average equity	$6,628,500	5,838
Average total loans	$28,578,000	5,952
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3417%	4,050
Cost of funding earning assets	0.9346%	1,739
Net interest margin	3.4071%	4,860
Noninterest income to average assets	0.2517%	5,666
Noninterest expense to average assets	2.5024%	5,082
Loan and lease loss provision to assets	0.0519%	5,164
Net operating income to assets	0.5820%	4,318
Return on assets (ROA)	0.5820%	4,581
Pretax return on assets	0.8053%	4,270
Return on Equity (ROE)	5.6972%	4,311
Retained earnings to average equity (ytd only)	5.6972%	2,257
Net charge-offs to loans	0.0269%	5,523
Credit loss provision to net charge-offs	412.5000%	585
Earnings coverage of net charge-offs (x)	68.1250%	533
Efficiency ratio	74.4850%	2,991
Assets per employee ($millions)	5.9280%	1,335
Cash dividends to net income (ytd only)*	0.0000%	4,298
Condition Ratios (%)
Loss allowance to loans	1.4323%	4,003
Loan loss allowance to noncurrent loans	66.6667%	4,388
Noncurrent assets plus other real estate owned to assets	1.4277%	3,256
Noncurrent loans to loans	2.1485%	2,524
Net loans and leases to total assets	43.6910%	5,843
Net loans and leases to deposits	48.8931%	6,043
Net loans and leases to core deposits	51.4827%	6,052
Total domestic deposits to total assets	89.3602%	1,325
Equity capital to assets	10.1828%	3,910
Core capital (leverage) ratio	9.7146%	3,782
Tier 1 risk-based capital ratio	22.3700%	1,202
Total risk-based capital ratio	23.6228%	1,175
Memoranda:
Average total assets	$63,578,800	5,835
Average earning assets	$57,995,800	5,816
Average equity	$6,494,400	5,893
Average total loans	$29,793,400	5,959
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4439%	3,857
Cost of funding earning assets	0.9808%	1,674
Net interest margin	3.4631%	4,795
Noninterest income to average assets	0.2617%	5,689
Noninterest expense to average assets	2.1507%	6,067
Loan and lease loss provision to assets	0.0697%	4,802
Net operating income to assets	0.9540%	2,729
Return on assets (ROA)	0.9540%	2,950
Pretax return on assets	1.1862%	3,034
Return on Equity (ROE)	9.3318%	2,658
Retained earnings to average equity (ytd only)	9.3318%	1,115
Net charge-offs to loans	0.0400%	5,090
Credit loss provision to net charge-offs	366.6667%	733
Earnings coverage of net charge-offs (x)	66.1092%	609
Efficiency ratio	63.1351%	4,954
Assets per employee ($millions)	5.7854%	1,385
Cash dividends to net income (ytd only)*	0.0000%	3,713
Condition Ratios (%)
Loss allowance to loans	1.4123%	4,322
Loan loss allowance to noncurrent loans	104.2929%	3,113
Noncurrent assets plus other real estate owned to assets	1.3058%	3,681
Noncurrent loans to loans	1.3542%	3,758
Net loans and leases to total assets	45.3024%	5,841
Net loans and leases to deposits	51.1587%	6,029
Net loans and leases to core deposits	54.2060%	6,036
Total domestic deposits to total assets	88.5526%	1,692
Equity capital to assets	10.6601%	3,652
Core capital (leverage) ratio	10.0435%	3,485
Tier 1 risk-based capital ratio	22.6910%	1,223
Total risk-based capital ratio	23.9453%	1,201
Memoranda:
Average total assets	$63,171,500	5,909
Average earning assets	$57,365,000	5,896
Average equity	$6,458,000	5,973
Average total loans	$30,015,750	6,018
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4663%	3,914
Cost of funding earning assets	1.0135%	1,687
Net interest margin	3.4528%	4,869
Noninterest income to average assets	0.2825%	5,553
Noninterest expense to average assets	2.1328%	6,172
Loan and lease loss provision to assets	0.0762%	4,668
Net operating income to assets	0.9871%	2,524
Return on assets (ROA)	0.9871%	2,754
Pretax return on assets	1.2092%	2,880
Return on Equity (ROE)	9.7963%	2,448
Retained earnings to average equity (ytd only)	9.7963%	1,032
Net charge-offs to loans	0.0462%	4,744
Credit loss provision to net charge-offs	342.8571%	859
Earnings coverage of net charge-offs (x)	57.8571%	654
Efficiency ratio	62.3955%	5,185
Assets per employee ($millions)	5.8035%	1,372
Cash dividends to net income (ytd only)*	0.0000%	3,523
Condition Ratios (%)
Loss allowance to loans	1.3816%	4,530
Loan loss allowance to noncurrent loans	56.7832%	4,793
Noncurrent assets plus other real estate owned to assets	1.5508%	3,377
Noncurrent loans to loans	2.4331%	2,472
Net loans and leases to total assets	45.3954%	5,882
Net loans and leases to deposits	50.9422%	6,113
Net loans and leases to core deposits	53.9283%	6,097
Total domestic deposits to total assets	89.1117%	1,446
Equity capital to assets	10.2743%	3,967
Core capital (leverage) ratio	9.8560%	3,643
Tier 1 risk-based capital ratio	22.3269%	1,227
Total risk-based capital ratio	23.5781%	1,212
Memoranda:
Average total assets	$63,015,670	5,947
Average earning assets	$57,228,670	5,934
Average equity	$6,349,330	6,024
Average total loans	$30,273,330	6,053
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4454%	4,136
Cost of funding earning assets	1.0443%	1,716
Net interest margin	3.4011%	5,115
Noninterest income to average assets	0.2939%	5,516
Noninterest expense to average assets	2.2618%	5,874
Loan and lease loss provision to assets	0.0319%	4,969
Net operating income to assets	0.8562%	3,126
Return on assets (ROA)	0.8562%	3,361
Pretax return on assets	1.0798%	3,399
Return on Equity (ROE)	8.5836%	3,010
Retained earnings to average equity (ytd only)	8.5836%	1,743
Net charge-offs to loans	0.0781%	3,716
Credit loss provision to net charge-offs	83.3333%	2,671
Earnings coverage of net charge-offs (x)	29.0000%	947
Efficiency ratio	67.0455%	4,351
Assets per employee ($millions)	5.7821%	1,447
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	1.2728%	5,142
Loan loss allowance to noncurrent loans	35.0497%	5,908
Noncurrent assets plus other real estate owned to assets	2.1729%	2,713
Noncurrent loans to loans	3.6313%	1,709
Net loans and leases to total assets	47.3201%	5,642
Net loans and leases to deposits	52.8194%	5,911
Net loans and leases to core deposits	55.8987%	5,911
Total domestic deposits to total assets	89.5885%	1,312
Equity capital to assets	9.8910%	4,265
Core capital (leverage) ratio	9.7315%	3,735
Tier 1 risk-based capital ratio	21.1313%	1,468
Total risk-based capital ratio	22.3811%	1,436
Memoranda:
Average total assets	$62,604,000	5,992
Average earning assets	$56,688,000	5,988
Average equity	$6,244,500	6,084
Average total loans	$30,717,000	6,073
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0145%	2,814
Cost of funding earning assets	1.2015%	2,015
Net interest margin	3.8130%	3,756
Noninterest income to average assets	0.2633%	5,648
Noninterest expense to average assets	2.6231%	5,005
Loan and lease loss provision to assets	0.1945%	4,236
Net operating income to assets	0.6106%	3,945
Return on assets (ROA)	0.6868%	3,736
Pretax return on assets	1.0224%	3,154
Return on Equity (ROE)	6.5651%	3,606
Retained earnings to average equity (ytd only)	5.7424%	2,154
Net charge-offs to loans	0.1918%	4,606
Credit loss provision to net charge-offs	185.2459%	1,394
Earnings coverage of net charge-offs (x)	10.5082%	1,831
Efficiency ratio	70.3926%	3,866
Assets per employee ($millions)	5.6005%	1,537
Cash dividends to net income (ytd only)*	12.5313%	3,792
Condition Ratios (%)
Loss allowance to loans	1.2569%	5,130
Loan loss allowance to noncurrent loans	26.9391%	6,354
Noncurrent assets plus other real estate owned to assets	2.7904%	2,170
Noncurrent loans to loans	4.6657%	1,266
Net loans and leases to total assets	49.6064%	5,643
Net loans and leases to deposits	55.5566%	5,924
Net loans and leases to core deposits	58.9131%	5,944
Total domestic deposits to total assets	89.2898%	1,372
Equity capital to assets	10.0609%	4,087
Core capital (leverage) ratio	9.7891%	3,620
Tier 1 risk-based capital ratio	20.5296%	1,516
Total risk-based capital ratio	21.7813%	1,482
Memoranda:
Average total assets	$58,099,400	6,103
Average earning assets	$52,766,600	6,090
Average equity	$6,077,600	6,135
Average total loans	$31,798,600	6,082
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1194%	2,513
Cost of funding earning assets	1.2312%	2,112
Net interest margin	3.8882%	3,441
Noninterest income to average assets	0.2726%	5,668
Noninterest expense to average assets	2.2531%	6,160
Loan and lease loss provision to assets	0.2050%	3,972
Net operating income to assets	1.0904%	2,008
Return on assets (ROA)	1.2093%	1,737
Pretax return on assets	1.5005%	1,651
Return on Equity (ROE)	11.4424%	1,706
Retained earnings to average equity (ytd only)	11.4424%	563
Net charge-offs to loans	0.2541%	3,848
Credit loss provision to net charge-offs	144.2623%	2,202
Earnings coverage of net charge-offs (x)	10.9674%	1,856
Efficiency ratio	59.1076%	5,852
Assets per employee ($millions)	5.4397%	1,655
Cash dividends to net income (ytd only)*	0.0000%	3,512
Condition Ratios (%)
Loss allowance to loans	1.1551%	5,657
Loan loss allowance to noncurrent loans	38.3966%	5,723
Noncurrent assets plus other real estate owned to assets	2.1692%	2,938
Noncurrent loans to loans	3.0084%	2,297
Net loans and leases to total assets	52.0547%	5,440
Net loans and leases to deposits	58.8932%	5,759
Net loans and leases to core deposits	61.6951%	5,840
Total domestic deposits to total assets	88.3885%	1,814
Equity capital to assets	10.7626%	3,410
Core capital (leverage) ratio	10.4464%	2,937
Tier 1 risk-based capital ratio	20.9492%	1,465
Total risk-based capital ratio	22.1911%	1,443
Memoranda:
Average total assets	$57,223,000	6,179
Average earning assets	$52,088,250	6,170
Average equity	$6,047,500	6,189
Average total loans	$32,011,000	6,134
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1796%	2,346
Cost of funding earning assets	1.2568%	2,208
Net interest margin	3.9228%	3,204
Noninterest income to average assets	0.2875%	5,583
Noninterest expense to average assets	2.2750%	6,186
Loan and lease loss provision to assets	0.0781%	5,336
Net operating income to assets	1.2174%	1,521
Return on assets (ROA)	1.2174%	1,603
Pretax return on assets	1.5013%	1,528
Return on Equity (ROE)	11.5944%	1,608
Retained earnings to average equity (ytd only)	11.5944%	579
Net charge-offs to loans	0.0124%	5,675
Credit loss provision to net charge-offs	1,100.0000%	304
Earnings coverage of net charge-offs (x)	222.5000%	162
Efficiency ratio	59.0239%	6,023
Assets per employee ($millions)	5.7588%	1,336
Cash dividends to net income (ytd only)*	0.0000%	3,290
Condition Ratios (%)
Loss allowance to loans	1.1169%	5,892
Loan loss allowance to noncurrent loans	32.1043%	6,141
Noncurrent assets plus other real estate owned to assets	2.4085%	2,747
Noncurrent loans to loans	3.4790%	2,031
Net loans and leases to total assets	54.8830%	5,165
Net loans and leases to deposits	62.0066%	5,502
Net loans and leases to core deposits	64.7279%	5,639
Total domestic deposits to total assets	88.5115%	1,846
Equity capital to assets	10.7835%	3,188
Core capital (leverage) ratio	10.3409%	2,891
Tier 1 risk-based capital ratio	20.1786%	1,575
Total risk-based capital ratio	21.3865%	1,563
Memoranda:
Average total assets	$56,351,670	6,251
Average earning assets	$51,239,330	6,248
Average equity	$5,916,670	6,255
Average total loans	$32,177,330	6,179
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1838%	2,284
Cost of funding earning assets	1.2920%	2,229
Net interest margin	3.8918%	3,182
Noninterest income to average assets	0.2871%	5,624
Noninterest expense to average assets	2.4761%	5,640
Loan and lease loss provision to assets	0.0718%	5,109
Net operating income to assets	0.9761%	2,259
Return on assets (ROA)	0.9761%	2,320
Pretax return on assets	1.2632%	2,155
Return on Equity (ROE)	9.4281%	2,305
Retained earnings to average equity (ytd only)	9.4281%	1,253
Net charge-offs to loans	0.0124%	4,910
Credit loss provision to net charge-offs	1,000.0000%	373
Earnings coverage of net charge-offs (x)	186.0000%	170
Efficiency ratio	64.9718%	5,193
Assets per employee ($millions)	5.6661%	1,437
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	1.0810%	6,120
Loan loss allowance to noncurrent loans	63.2541%	4,241
Noncurrent assets plus other real estate owned to assets	1.4507%	4,094
Noncurrent loans to loans	1.7089%	3,928
Net loans and leases to total assets	55.8797%	5,013
Net loans and leases to deposits	62.6573%	5,427
Net loans and leases to core deposits	64.7511%	5,644
Total domestic deposits to total assets	89.1830%	1,652
Equity capital to assets	10.2893%	3,428
Core capital (leverage) ratio	10.3481%	2,761
Tier 1 risk-based capital ratio	19.5496%	1,682
Total risk-based capital ratio	20.7248%	1,668
Memoranda:
Average total assets	$55,733,500	6,317
Average earning assets	$50,464,500	6,328
Average equity	$5,770,000	6,316
Average total loans	$32,284,500	6,223
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5973%	1,897
Cost of funding earning assets	1.4490%	2,958
Net interest margin	4.1483%	2,372
Noninterest income to average assets	0.2644%	5,897
Noninterest expense to average assets	2.8175%	4,531
Loan and lease loss provision to assets	0.1256%	5,907
Net operating income to assets	0.7724%	2,917
Return on assets (ROA)	0.7724%	3,040
Pretax return on assets	1.0958%	2,595
Return on Equity (ROE)	7.1886%	3,030
Retained earnings to average equity (ytd only)	7.1886%	1,241
Net charge-offs to loans	0.0000%	6,850
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.7598%	4,230
Assets per employee ($millions)	5.4806%	1,602
Cash dividends to net income (ytd only)*	0.0000%	3,950
Condition Ratios (%)
Loss allowance to loans	1.0350%	6,219
Loan loss allowance to noncurrent loans	154.5872%	1,929
Noncurrent assets plus other real estate owned to assets	0.8995%	5,220
Noncurrent loans to loans	0.6695%	5,705
Net loans and leases to total assets	58.7965%	4,896
Net loans and leases to deposits	65.9611%	5,408
Net loans and leases to core deposits	68.2524%	5,638
Total domestic deposits to total assets	89.1381%	1,581
Equity capital to assets	10.4186%	3,253
Core capital (leverage) ratio	10.1447%	2,933
Tier 1 risk-based capital ratio	19.0620%	1,704
Total risk-based capital ratio	20.2048%	1,701
Memoranda:
Average total assets	$52,564,600	6,442
Average earning assets	$47,827,000	6,440
Average equity	$5,647,800	6,468
Average total loans	$32,497,400	6,289
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6382%	1,921
Cost of funding earning assets	1.4616%	3,212
Net interest margin	4.1765%	2,310
Noninterest income to average assets	0.2718%	5,937
Noninterest expense to average assets	2.5664%	5,442
Loan and lease loss provision to assets	0.1205%	5,823
Net operating income to assets	1.1050%	1,871
Return on assets (ROA)	1.1050%	1,976
Pretax return on assets	1.3870%	1,922
Return on Equity (ROE)	10.2028%	2,050
Retained earnings to average equity (ytd only)	10.2028%	752
Net charge-offs to loans	0.0000%	6,671
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	62.9956%	5,432
Assets per employee ($millions)	5.4824%	1,634
Cash dividends to net income (ytd only)*	0.0000%	3,526
Condition Ratios (%)
Loss allowance to loans	0.9711%	6,513
Loan loss allowance to noncurrent loans	72.1088%	3,702
Noncurrent assets plus other real estate owned to assets	1.3060%	4,534
Noncurrent loans to loans	1.3468%	4,610
Net loans and leases to total assets	59.1475%	5,074
Net loans and leases to deposits	66.9841%	5,548
Net loans and leases to core deposits	69.3151%	5,820
Total domestic deposits to total assets	88.3007%	1,794
Equity capital to assets	10.8310%	3,137
Core capital (leverage) ratio	10.5055%	2,679
Tier 1 risk-based capital ratio	19.3249%	1,681
Total risk-based capital ratio	20.4135%	1,681
Memoranda:
Average total assets	$52,004,250	6,540
Average earning assets	$47,342,750	6,540
Average equity	$5,632,250	6,559
Average total loans	$32,481,500	6,368
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6873%	1,814
Cost of funding earning assets	1.4678%	3,441
Net interest margin	4.2195%	2,091
Noninterest income to average assets	0.2820%	5,886
Noninterest expense to average assets	2.6986%	4,912
Loan and lease loss provision to assets	0.1371%	5,521
Net operating income to assets	1.0144%	2,143
Return on assets (ROA)	1.0144%	2,214
Pretax return on assets	1.3082%	2,058
Return on Equity (ROE)	9.3665%	2,328
Retained earnings to average equity (ytd only)	9.3665%	991
Net charge-offs to loans	-0.0062%	7,135
Credit loss provision to net charge-offs	-3,500.0000%	7,010
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	65.1229%	5,126
Assets per employee ($millions)	4.7379%	2,523
Cash dividends to net income (ytd only)*	0.0000%	3,319
Condition Ratios (%)
Loss allowance to loans	0.9367%	6,637
Loan loss allowance to noncurrent loans	103.0201%	2,679
Noncurrent assets plus other real estate owned to assets	1.0994%	4,933
Noncurrent loans to loans	0.9093%	5,461
Net loans and leases to total assets	62.2964%	4,626
Net loans and leases to deposits	70.5206%	5,202
Net loans and leases to core deposits	73.0975%	5,543
Total domestic deposits to total assets	88.3378%	1,809
Equity capital to assets	10.9619%	2,902
Core capital (leverage) ratio	10.5537%	2,583
Tier 1 risk-based capital ratio	19.2246%	1,669
Total risk-based capital ratio	20.3027%	1,668
Memoranda:
Average total assets	$51,064,330	6,613
Average earning assets	$46,735,330	6,600
Average equity	$5,530,330	6,608
Average total loans	$32,393,670	6,414
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5298%	2,457
Cost of funding earning assets	1.4729%	3,723
Net interest margin	4.0569%	2,623
Noninterest income to average assets	0.2770%	5,931
Noninterest expense to average assets	2.8493%	4,281
Loan and lease loss provision to assets	0.1583%	4,949
Net operating income to assets	0.6807%	3,520
Return on assets (ROA)	0.6807%	3,640
Pretax return on assets	0.9973%	3,105
Return on Equity (ROE)	6.3247%	3,715
Retained earnings to average equity (ytd only)	6.3247%	2,460
Net charge-offs to loans	-0.0124%	6,944
Credit loss provision to net charge-offs	-2,000.0000%	6,504
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	71.1462%	4,091
Assets per employee ($millions)	4.2557%	3,369
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	0.8980%	6,842
Loan loss allowance to noncurrent loans	35.8282%	5,987
Noncurrent assets plus other real estate owned to assets	2.1344%	3,342
Noncurrent loans to loans	2.5065%	3,167
Net loans and leases to total assets	63.1002%	4,514
Net loans and leases to deposits	71.2479%	5,160
Net loans and leases to core deposits	73.8778%	5,509
Total domestic deposits to total assets	88.5643%	1,752
Equity capital to assets	10.7621%	2,988
Core capital (leverage) ratio	10.4755%	2,643
Tier 1 risk-based capital ratio	18.6905%	1,796
Total risk-based capital ratio	19.7200%	1,808
Memoranda:
Average total assets	$50,538,000	6,715
Average earning assets	$46,439,500	6,683
Average equity	$5,439,000	6,694
Average total loans	$32,203,500	6,506
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.0573%	1,652
Cost of funding earning assets	1.6581%	4,746
Net interest margin	4.3991%	1,434
Noninterest income to average assets	0.2775%	6,115
Noninterest expense to average assets	2.9391%	4,387
Loan and lease loss provision to assets	0.1388%	6,252
Net operating income to assets	0.8685%	2,286
Return on assets (ROA)	0.8699%	2,344
Pretax return on assets	1.2407%	1,849
Return on Equity (ROE)	8.0410%	2,354
Retained earnings to average equity (ytd only)	7.0838%	937
Net charge-offs to loans	0.1207%	5,971
Credit loss provision to net charge-offs	176.3158%	2,383
Earnings coverage of net charge-offs (x)	17.5000%	1,182
Efficiency ratio	68.0902%	4,986
Assets per employee ($millions)	4.5462%	2,842
Cash dividends to net income (ytd only)*	11.9048%	3,841
Condition Ratios (%)
Loss allowance to loans	0.8498%	6,983
Loan loss allowance to noncurrent loans	170.4403%	1,720
Noncurrent assets plus other real estate owned to assets	0.8679%	5,376
Noncurrent loans to loans	0.4986%	6,255
Net loans and leases to total assets	63.2299%	4,765
Net loans and leases to deposits	71.2595%	5,433
Net loans and leases to core deposits	87.6337%	5,366
Total domestic deposits to total assets	88.7318%	1,611
Equity capital to assets	10.7623%	2,904
Core capital (leverage) ratio	10.4413%	2,660
Tier 1 risk-based capital ratio	18.7989%	1,701
Total risk-based capital ratio	19.7758%	1,708
Memoranda:
Average total assets	$48,280,200	6,779
Average earning assets	$44,327,000	6,747
Average equity	$5,223,200	6,864
Average total loans	$31,484,400	6,554
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.0967%	1,663
Cost of funding earning assets	1.6878%	4,961
Net interest margin	4.4089%	1,419
Noninterest income to average assets	0.2508%	6,443
Noninterest expense to average assets	2.5302%	5,974
Loan and lease loss provision to assets	0.1198%	6,167
Net operating income to assets	1.3492%	1,122
Return on assets (ROA)	1.3515%	1,181
Pretax return on assets	1.6580%	1,050
Return on Equity (ROE)	12.4752%	1,242
Retained earnings to average equity (ytd only)	12.4752%	303
Net charge-offs to loans	0.1615%	5,101
Credit loss provision to net charge-offs	113.1579%	4,491
Earnings coverage of net charge-offs (x)	16.7616%	1,449
Efficiency ratio	58.7702%	6,599
Assets per employee ($millions)	4.4783%	2,891
Cash dividends to net income (ytd only)*	0.0000%	3,688
Condition Ratios (%)
Loss allowance to loans	0.7740%	7,199
Loan loss allowance to noncurrent loans	79.9353%	3,421
Noncurrent assets plus other real estate owned to assets	1.1855%	4,704
Noncurrent loans to loans	0.9683%	5,362
Net loans and leases to total assets	64.2801%	4,803
Net loans and leases to deposits	73.1767%	5,489
Net loans and leases to core deposits	88.6429%	5,576
Total domestic deposits to total assets	87.8423%	1,727
Equity capital to assets	11.2401%	2,802
Core capital (leverage) ratio	11.0065%	2,400
Tier 1 risk-based capital ratio	19.3958%	1,667
Total risk-based capital ratio	20.2948%	1,695
Memoranda:
Average total assets	$47,848,250	6,842
Average earning assets	$44,001,000	6,818
Average equity	$5,183,500	6,940
Average total loans	$31,382,750	6,606
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1099%	1,761
Cost of funding earning assets	1.7299%	5,124
Net interest margin	4.3800%	1,447
Noninterest income to average assets	0.2871%	6,208
Noninterest expense to average assets	2.5793%	5,823
Loan and lease loss provision to assets	0.1815%	5,228
Net operating income to assets	1.2293%	1,407
Return on assets (ROA)	1.2327%	1,476
Pretax return on assets	1.5493%	1,330
Return on Equity (ROE)	11.5286%	1,551
Retained earnings to average equity (ytd only)	11.5286%	498
Net charge-offs to loans	0.0577%	5,690
Credit loss provision to net charge-offs	477.7778%	972
Earnings coverage of net charge-offs (x)	45.4444%	737
Efficiency ratio	59.9020%	6,569
Assets per employee ($millions)	4.3645%	3,000
Cash dividends to net income (ytd only)*	0.0000%	3,532
Condition Ratios (%)
Loss allowance to loans	0.8738%	6,883
Loan loss allowance to noncurrent loans	24.3172%	6,881
Noncurrent assets plus other real estate owned to assets	2.3641%	2,750
Noncurrent loans to loans	3.5935%	1,948
Net loans and leases to total assets	65.2135%	4,718
Net loans and leases to deposits	73.7307%	5,491
Net loans and leases to core deposits	87.4211%	5,773
Total domestic deposits to total assets	88.4482%	1,550
Equity capital to assets	10.9061%	3,012
Core capital (leverage) ratio	10.6761%	2,682
Tier 1 risk-based capital ratio	18.8548%	1,805
Total risk-based capital ratio	19.8679%	1,812
Memoranda:
Average total assets	$47,377,330	6,928
Average earning assets	$43,470,670	6,905
Average equity	$5,065,670	7,038
Average total loans	$31,206,330	6,659
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1057%	1,921
Cost of funding earning assets	1.7643%	5,293
Net interest margin	4.3414%	1,482
Noninterest income to average assets	0.2465%	6,488
Noninterest expense to average assets	2.7284%	4,884
Loan and lease loss provision to assets	0.1530%	4,973
Net operating income to assets	1.0221%	2,224
Return on assets (ROA)	1.0285%	2,341
Pretax return on assets	1.3684%	2,060
Return on Equity (ROE)	9.7179%	2,433
Retained earnings to average equity (ytd only)	9.7179%	1,271
Net charge-offs to loans	0.0258%	5,182
Credit loss provision to net charge-offs	900.0000%	680
Earnings coverage of net charge-offs (x)	89.0000%	482
Efficiency ratio	64.3287%	5,625
Assets per employee ($millions)	4.3251%	3,021
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	0.8296%	7,043
Loan loss allowance to noncurrent loans	28.1967%	6,674
Noncurrent assets plus other real estate owned to assets	1.9232%	3,023
Noncurrent loans to loans	2.9420%	2,219
Net loans and leases to total assets	64.8289%	4,836
Net loans and leases to deposits	73.0998%	5,599
Net loans and leases to core deposits	86.0167%	5,900
Total domestic deposits to total assets	88.6855%	1,387
Equity capital to assets	10.6440%	3,334
Core capital (leverage) ratio	10.4794%	2,953
Tier 1 risk-based capital ratio	18.6987%	1,884
Total risk-based capital ratio	19.6702%	1,913
Memoranda:
Average total assets	$47,061,000	6,985
Average earning assets	$43,304,000	6,966
Average equity	$4,980,500	7,116
Average total loans	$31,017,000	6,698
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.2634%	4,163
Cost of funding earning assets	2.0055%	6,399
Net interest margin	4.2579%	2,095
Noninterest income to average assets	0.2321%	6,773
Noninterest expense to average assets	2.9472%	4,268
Loan and lease loss provision to assets	0.1204%	5,819
Net operating income to assets	0.8474%	3,229
Return on assets (ROA)	0.8474%	3,068
Pretax return on assets	1.2043%	2,619
Return on Equity (ROE)	8.1505%	3,007
Retained earnings to average equity (ytd only)	6.0444%	1,509
Net charge-offs to loans	0.0393%	6,241
Credit loss provision to net charge-offs	458.3333%	957
Earnings coverage of net charge-offs (x)	50.4167%	759
Efficiency ratio	68.9903%	4,536
Assets per employee ($millions)	4.2315%	3,057
Cash dividends to net income (ytd only)*	25.8398%	4,269
Condition Ratios (%)
Loss allowance to loans	0.7823%	7,169
Loan loss allowance to noncurrent loans	40.7407%	6,005
Noncurrent assets plus other real estate owned to assets	1.2762%	3,669
Noncurrent loans to loans	1.9203%	2,866
Net loans and leases to total assets	65.9369%	4,855
Net loans and leases to deposits	74.1221%	5,828
Net loans and leases to core deposits	87.5560%	6,015
Total domestic deposits to total assets	88.9572%	1,061
Equity capital to assets	10.5208%	3,476
Core capital (leverage) ratio	10.3487%	3,119
Tier 1 risk-based capital ratio	18.6926%	1,867
Total risk-based capital ratio	19.6265%	1,891
Memoranda:
Average total assets	$45,669,800	6,951
Average earning assets	$43,330,800	6,879
Average equity	$4,748,200	7,230
Average total loans	$30,552,800	6,675