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Trustmark National Bank, Performance and Condition Ratios

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2024-09-30		Rank
Percentage of unprofitable institutions	0.0000%	305
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7331%	1,660
Cost of funding earning assets	2.2681%	1,596
Net interest margin	3.4650%	2,109
Noninterest income to average assets	0.8300%	829
Noninterest expense to average assets	2.5690%	2,032
Loan and lease loss provision to assets	0.2400%	464
Net operating income to assets	1.0063%	2,030
Return on assets (ROA)	1.2469%	1,431
Pretax return on assets	1.1198%	2,194
Return on Equity (ROE)	12.1000%	1,587
Retained earnings to average equity (ytd only)	8.4716%	1,257
Net charge-offs to loans	0.2052%	582
Credit loss provision to net charge-offs	190.9991%	1,113
Earnings coverage of net charge-offs (x)	9.5212%	2,162
Efficiency ratio	64.7234%	2,631
Assets per employee ($millions)	7.3912%	1,877
Cash dividends to net income (ytd only)*	29.9742%	2,185
Condition Ratios (%)
Loss allowance to loans	1.1860%	2,287
Loan loss allowance to noncurrent loans	110.5334%	2,910
Noncurrent assets plus other real estate owned to assets	0.7945%	871
Noncurrent loans to loans	1.0729%	929
Net loans and leases to total assets	71.2100%	1,709
Net loans and leases to deposits	85.8845%	1,652
Net loans and leases to core deposits	94.0765%	1,872
Total domestic deposits to total assets	82.9200%	2,874
Equity capital to assets	11.2856%	1,578
Core capital (leverage) ratio	9.8956%	2,918
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.1897%	2,182
Memoranda:
Average total assets	$18,505,560,750	105
Average earning assets	$16,755,493,500	105
Average equity	$1,907,278,250	108
Average total loans	$13,255,974,250	99
2024-06-30		Rank
Percentage of unprofitable institutions	0.0000%	306
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6020%	1,772
Cost of funding earning assets	2.2757%	1,491
Net interest margin	3.3263%	2,353
Noninterest income to average assets	0.8700%	760
Noninterest expense to average assets	2.5515%	2,084
Loan and lease loss provision to assets	0.2900%	343
Net operating income to assets	0.9316%	2,213
Return on assets (ROA)	1.2923%	1,285
Pretax return on assets	0.9741%	2,554
Return on Equity (ROE)	12.9500%	1,370
Retained earnings to average equity (ytd only)	9.2958%	1,030
Net charge-offs to loans	0.2375%	474
Credit loss provision to net charge-offs	197.4489%	1,029
Earnings coverage of net charge-offs (x)	7.7877%	2,086
Efficiency ratio	65.8495%	2,556
Assets per employee ($millions)	7.3360%	1,847
Cash dividends to net income (ytd only)*	28.2054%	2,267
Condition Ratios (%)
Loss allowance to loans	1.1595%	2,452
Loan loss allowance to noncurrent loans	143.5152%	2,709
Noncurrent assets plus other real estate owned to assets	0.6199%	1,096
Noncurrent loans to loans	0.8079%	1,147
Net loans and leases to total assets	71.4700%	1,731
Net loans and leases to deposits	84.8544%	1,759
Net loans and leases to core deposits	93.7843%	1,877
Total domestic deposits to total assets	84.2300%	2,549
Equity capital to assets	10.7653%	1,676
Core capital (leverage) ratio	9.5521%	3,196
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.7910%	2,333
Memoranda:
Average total assets	$18,514,745,333	104
Average earning assets	$16,741,158,667	103
Average equity	$1,847,922,333	106
Average total loans	$13,235,777,333	99
2024-03-31		Rank
Percentage of unprofitable institutions	0.0000%	11
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4909%	1,830
Cost of funding earning assets	2.2624%	1,422
Net interest margin	3.2285%	2,500
Noninterest income to average assets	1.1800%	443
Noninterest expense to average assets	2.8046%	1,444
Loan and lease loss provision to assets	0.1600%	649
Net operating income to assets	0.9414%	2,110
Return on assets (ROA)	0.9414%	2,128
Pretax return on assets	1.1287%	2,063
Return on Equity (ROE)	9.8200%	2,180
Retained earnings to average equity (ytd only)	5.7747%	2,172
Net charge-offs to loans	0.1237%	643
Credit loss provision to net charge-offs	189.0606%	835
Earnings coverage of net charge-offs (x)	14.6804%	1,484
Efficiency ratio	68.4183%	2,330
Assets per employee ($millions)	6.7752%	2,226
Cash dividends to net income (ytd only)*	41.1684%	1,509
Condition Ratios (%)
Loss allowance to loans	1.0808%	2,912
Loan loss allowance to noncurrent loans	89.3045%	3,250
Noncurrent assets plus other real estate owned to assets	0.9129%	662
Noncurrent loans to loans	1.2102%	685
Net loans and leases to total assets	71.2300%	1,653
Net loans and leases to deposits	84.8913%	1,642
Net loans and leases to core deposits	93.4744%	1,818
Total domestic deposits to total assets	83.9100%	2,737
Equity capital to assets	9.7366%	2,181
Core capital (leverage) ratio	8.8738%	3,809
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	11.7286%	2,661
Memoranda:
Average total assets	$18,547,082,000	105
Average earning assets	$16,740,922,000	102
Average equity	$1,778,779,500	108
Average total loans	$13,183,108,000	98
2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2815%	1,522
Cost of funding earning assets	1.9044%	1,059
Net interest margin	3.3771%	2,454
Noninterest income to average assets	1.1200%	534
Noninterest expense to average assets	2.9009%	1,270
Loan and lease loss provision to assets	0.1300%	985
Net operating income to assets	0.9389%	2,407
Return on assets (ROA)	0.9391%	2,392
Pretax return on assets	1.1260%	2,329
Return on Equity (ROE)	10.3400%	2,394
Retained earnings to average equity (ytd only)	6.3370%	2,122
Net charge-offs to loans	0.0642%	1,207
Credit loss provision to net charge-offs	333.3171%	887
Earnings coverage of net charge-offs (x)	28.3416%	1,665
Efficiency ratio	69.6512%	1,922
Assets per employee ($millions)	6.7900%	2,215
Cash dividends to net income (ytd only)*	38.7085%	2,167
Condition Ratios (%)
Loss allowance to loans	1.0610%	3,020
Loan loss allowance to noncurrent loans	88.7456%	3,318
Noncurrent assets plus other real estate owned to assets	0.8756%	574
Noncurrent loans to loans	1.1956%	596
Net loans and leases to total assets	69.4200%	1,876
Net loans and leases to deposits	83.0558%	1,853
Net loans and leases to core deposits	91.2932%	1,965
Total domestic deposits to total assets	83.5900%	2,734
Equity capital to assets	9.4473%	2,389
Core capital (leverage) ratio	8.7500%	3,937
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	11.6126%	2,686
Memoranda:
Average total assets	$18,483,317,800	101
Average earning assets	$16,637,213,800	100
Average equity	$1,678,840,000	107
Average total loans	$12,784,457,200	97
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1966%	1,456
Cost of funding earning assets	1.7947%	1,013
Net interest margin	3.4019%	2,452
Noninterest income to average assets	1.1400%	533
Noninterest expense to average assets	2.8939%	1,238
Loan and lease loss provision to assets	0.1300%	897
Net operating income to assets	0.9801%	2,423
Return on assets (ROA)	0.9801%	2,418
Pretax return on assets	1.1723%	2,362
Return on Equity (ROE)	10.9000%	2,400
Retained earnings to average equity (ytd only)	6.7581%	2,371
Net charge-offs to loans	0.0626%	1,034
Credit loss provision to net charge-offs	331.8289%	826
Earnings coverage of net charge-offs (x)	30.1809%	1,592
Efficiency ratio	68.8800%	1,918
Assets per employee ($millions)	6.6722%	2,202
Cash dividends to net income (ytd only)*	38.0052%	1,730
Condition Ratios (%)
Loss allowance to loans	1.0326%	3,196
Loan loss allowance to noncurrent loans	97.6653%	3,228
Noncurrent assets plus other real estate owned to assets	0.7761%	715
Noncurrent loans to loans	1.0573%	756
Net loans and leases to total assets	69.8600%	1,845
Net loans and leases to deposits	84.6165%	1,691
Net loans and leases to core deposits	94.1303%	1,669
Total domestic deposits to total assets	82.5600%	3,102
Equity capital to assets	9.1174%	2,351
Core capital (leverage) ratio	8.6334%	4,073
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	11.4376%	2,740
Memoranda:
Average total assets	$18,424,164,750	102
Average earning assets	$16,570,863,250	99
Average equity	$1,656,416,000	109
Average total loans	$12,696,737,500	96
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0345%	1,505
Cost of funding earning assets	1.6343%	990
Net interest margin	3.4001%	2,511
Noninterest income to average assets	1.1400%	470
Noninterest expense to average assets	2.8126%	1,395
Loan and lease loss provision to assets	0.1000%	1,140
Net operating income to assets	1.0781%	2,182
Return on assets (ROA)	1.0781%	2,185
Pretax return on assets	1.2781%	2,139
Return on Equity (ROE)	12.0500%	2,143
Retained earnings to average equity (ytd only)	7.9968%	1,964
Net charge-offs to loans	0.0376%	1,156
Credit loss provision to net charge-offs	483.1295%	663
Earnings coverage of net charge-offs (x)	53.6799%	1,251
Efficiency ratio	66.9652%	2,108
Assets per employee ($millions)	6.6716%	2,150
Cash dividends to net income (ytd only)*	33.6285%	1,973
Condition Ratios (%)
Loss allowance to loans	1.0105%	3,384
Loan loss allowance to noncurrent loans	112.7232%	3,170
Noncurrent assets plus other real estate owned to assets	0.6289%	848
Noncurrent loans to loans	0.8965%	853
Net loans and leases to total assets	68.7600%	1,874
Net loans and leases to deposits	84.4958%	1,625
Net loans and leases to core deposits	91.9253%	1,690
Total domestic deposits to total assets	81.3800%	3,362
Equity capital to assets	9.1163%	2,434
Core capital (leverage) ratio	8.5032%	4,129
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	11.4227%	2,778
Memoranda:
Average total assets	$18,436,059,667	100
Average earning assets	$16,580,400,667	99
Average equity	$1,649,701,667	107
Average total loans	$12,602,482,333	96
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7890%	1,651
Cost of funding earning assets	1.4237%	987
Net interest margin	3.3653%	2,720
Noninterest income to average assets	1.1100%	490
Noninterest expense to average assets	2.7698%	1,507
Loan and lease loss provision to assets	0.0200%	2,260
Net operating income to assets	1.1336%	2,115
Return on assets (ROA)	1.1336%	2,083
Pretax return on assets	1.3505%	2,015
Return on Equity (ROE)	12.7900%	2,024
Retained earnings to average equity (ytd only)	8.4383%	2,097
Net charge-offs to loans	0.0390%	973
Credit loss provision to net charge-offs	266.1198%	731
Earnings coverage of net charge-offs (x)	51.9065%	1,095
Efficiency ratio	66.7194%	2,123
Assets per employee ($millions)	6.8437%	2,078
Cash dividends to net income (ytd only)*	34.0182%	1,623
Condition Ratios (%)
Loss allowance to loans	0.9646%	3,655
Loan loss allowance to noncurrent loans	105.2913%	3,307
Noncurrent assets plus other real estate owned to assets	0.6240%	812
Noncurrent loans to loans	0.9161%	823
Net loans and leases to total assets	66.5000%	2,009
Net loans and leases to deposits	84.4547%	1,468
Net loans and leases to core deposits	88.7733%	1,690
Total domestic deposits to total assets	78.7300%	3,920
Equity capital to assets	8.8453%	2,635
Core capital (leverage) ratio	8.4590%	4,175
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	11.2966%	2,902
Memoranda:
Average total assets	$18,443,977,500	102
Average earning assets	$16,610,438,000	102
Average equity	$1,634,926,500	109
Average total loans	$12,506,193,000	99
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4341%	3,256
Cost of funding earning assets	0.2547%	3,284
Net interest margin	3.1794%	2,929
Noninterest income to average assets	1.1700%	494
Noninterest expense to average assets	3.4430%	519
Loan and lease loss provision to assets	0.1300%	938
Net operating income to assets	0.4500%	4,169
Return on assets (ROA)	0.4500%	4,130
Pretax return on assets	0.4732%	4,203
Return on Equity (ROE)	4.6200%	4,074
Retained earnings to average equity (ytd only)	-0.6629%	4,415
Net charge-offs to loans	0.0082%	2,082
Credit loss provision to net charge-offs	2,356.1957%	227
Earnings coverage of net charge-offs (x)	114.5717%	906
Efficiency ratio	84.8616%	454
Assets per employee ($millions)	6.5789%	2,275
Cash dividends to net income (ytd only)*	114.3620%	131
Condition Ratios (%)
Loss allowance to loans	0.9742%	3,495
Loan loss allowance to noncurrent loans	100.8338%	3,323
Noncurrent assets plus other real estate owned to assets	0.6729%	733
Noncurrent loans to loans	0.9662%	766
Net loans and leases to total assets	67.8300%	1,847
Net loans and leases to deposits	84.1909%	1,456
Net loans and leases to core deposits	85.7409%	1,773
Total domestic deposits to total assets	80.5700%	3,808
Equity capital to assets	8.8841%	2,428
Core capital (leverage) ratio	8.6485%	4,006
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	11.2575%	2,930
Memoranda:
Average total assets	$17,436,613,800	109
Average earning assets	$15,776,158,000	108
Average equity	$1,699,988,600	113
Average total loans	$11,287,606,400	106
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1070%	3,662
Cost of funding earning assets	0.1046%	4,247
Net interest margin	3.0025%	3,213
Noninterest income to average assets	1.2300%	490
Noninterest expense to average assets	2.8494%	1,143
Loan and lease loss provision to assets	0.0800%	1,289
Net operating income to assets	0.8535%	3,051
Return on assets (ROA)	0.8535%	3,032
Pretax return on assets	1.0151%	2,974
Return on Equity (ROE)	8.5600%	3,162
Retained earnings to average equity (ytd only)	2.8080%	3,830
Net charge-offs to loans	-0.0099%	3,711
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	0.0000%	2,297
Efficiency ratio	71.9616%	1,514
Assets per employee ($millions)	6.3262%	2,463
Cash dividends to net income (ytd only)*	67.1804%	683
Condition Ratios (%)
Loss allowance to loans	0.9786%	3,583
Loan loss allowance to noncurrent loans	97.1181%	3,399
Noncurrent assets plus other real estate owned to assets	0.7065%	737
Noncurrent loans to loans	1.0077%	763
Net loans and leases to total assets	67.7300%	1,705
Net loans and leases to deposits	80.2646%	1,560
Net loans and leases to core deposits	81.1982%	1,817
Total domestic deposits to total assets	84.3800%	3,408
Equity capital to assets	9.4002%	1,950
Core capital (leverage) ratio	9.1900%	3,392
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.1506%	2,771
Memoranda:
Average total assets	$17,292,480,750	111
Average earning assets	$15,674,990,750	109
Average equity	$1,724,907,500	111
Average total loans	$11,024,691,750	110
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.8051%	3,966
Cost of funding earning assets	0.0735%	4,437
Net interest margin	2.7317%	3,637
Noninterest income to average assets	1.2328%	456
Noninterest expense to average assets	2.8130%	1,152
Loan and lease loss provision to assets	-0.0094%	4,396
Net operating income to assets	0.7682%	3,074
Return on assets (ROA)	0.7682%	3,038
Pretax return on assets	0.9118%	3,017
Return on Equity (ROE)	7.5576%	3,149
Retained earnings to average equity (ytd only)	2.0114%	3,750
Net charge-offs to loans	-0.0339%	4,093
Credit loss provision to net charge-offs	-101.5873%	3,110
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	75.4604%	1,339
Assets per employee ($millions)	6.2153%	2,553
Cash dividends to net income (ytd only)*	73.3863%	744
Condition Ratios (%)
Loss allowance to loans	0.9252%	3,878
Loan loss allowance to noncurrent loans	90.0299%	3,454
Noncurrent assets plus other real estate owned to assets	0.6938%	779
Noncurrent loans to loans	1.0277%	813
Net loans and leases to total assets	65.1623%	1,795
Net loans and leases to deposits	74.3967%	1,821
Net loans and leases to core deposits	75.4436%	2,058
Total domestic deposits to total assets	87.5876%	2,736
Equity capital to assets	10.0014%	1,716
Core capital (leverage) ratio	8.9968%	3,467
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.5524%	2,661
Memoranda:
Average total assets	$17,327,212,667	110
Average earning assets	$15,747,846,667	109
Average equity	$1,761,299,333	114
Average total loans	$10,780,897,333	109
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.5976%	4,120
Cost of funding earning assets	0.0723%	4,426
Net interest margin	2.5253%	3,847
Noninterest income to average assets	1.2357%	468
Noninterest expense to average assets	2.7629%	1,230
Loan and lease loss provision to assets	-0.0449%	4,505
Net operating income to assets	0.7014%	3,053
Return on assets (ROA)	0.7014%	3,045
Pretax return on assets	0.8200%	3,046
Return on Equity (ROE)	6.8467%	3,087
Retained earnings to average equity (ytd only)	1.0047%	3,822
Net charge-offs to loans	-0.0052%	3,348
Credit loss provision to net charge-offs	627.7372%	456
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.7811%	1,334
Assets per employee ($millions)	6.3997%	2,451
Cash dividends to net income (ytd only)*	85.3259%	646
Condition Ratios (%)
Loss allowance to loans	0.9281%	3,965
Loan loss allowance to noncurrent loans	77.1498%	3,588
Noncurrent assets plus other real estate owned to assets	0.7521%	746
Noncurrent loans to loans	1.2030%	741
Net loans and leases to total assets	60.4358%	2,019
Net loans and leases to deposits	69.3834%	2,024
Net loans and leases to core deposits	70.3080%	2,267
Total domestic deposits to total assets	87.1040%	2,889
Equity capital to assets	9.9729%	1,908
Core capital (leverage) ratio	8.8591%	3,501
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.8094%	2,675
Memoranda:
Average total assets	$17,516,257,500	112
Average earning assets	$15,968,988,000	111
Average equity	$1,794,370,000	116
Average total loans	$10,597,558,500	111
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.8433%	4,142
Cost of funding earning assets	0.1174%	4,249
Net interest margin	2.7259%	3,828
Noninterest income to average assets	1.2817%	648
Noninterest expense to average assets	2.8327%	1,282
Loan and lease loss provision to assets	-0.1430%	4,618
Net operating income to assets	0.8975%	3,057
Return on assets (ROA)	0.8975%	3,113
Pretax return on assets	1.0733%	3,054
Return on Equity (ROE)	8.4327%	3,098
Retained earnings to average equity (ytd only)	5.9438%	2,387
Net charge-offs to loans	-0.0340%	4,167
Credit loss provision to net charge-offs	589.0137%	734
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	74.9179%	1,220
Assets per employee ($millions)	6.5354%	2,304
Cash dividends to net income (ytd only)*	29.5154%	2,580
Condition Ratios (%)
Loss allowance to loans	0.9421%	3,959
Loan loss allowance to noncurrent loans	73.8233%	3,658
Noncurrent assets plus other real estate owned to assets	0.7917%	758
Noncurrent loans to loans	1.2762%	750
Net loans and leases to total assets	59.4397%	2,216
Net loans and leases to deposits	68.9680%	2,225
Net loans and leases to core deposits	69.8597%	2,460
Total domestic deposits to total assets	86.1844%	2,841
Equity capital to assets	10.5128%	2,166
Core capital (leverage) ratio	8.9389%	3,465
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.8436%	2,691
Memoranda:
Average total assets	$17,095,616,600	113
Average earning assets	$15,562,057,400	112
Average equity	$1,819,401,000	122
Average total loans	$10,744,550,400	110
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9311%	4,117
Cost of funding earning assets	0.1270%	4,289
Net interest margin	2.8040%	3,770
Noninterest income to average assets	1.3241%	673
Noninterest expense to average assets	2.8722%	1,184
Loan and lease loss provision to assets	-0.1797%	4,726
Net operating income to assets	0.9872%	2,957
Return on assets (ROA)	0.9872%	3,036
Pretax return on assets	1.1803%	2,990
Return on Equity (ROE)	9.2470%	3,021
Retained earnings to average equity (ytd only)	7.0202%	2,412
Net charge-offs to loans	-0.0463%	4,325
Credit loss provision to net charge-offs	452.7859%	807
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	73.8045%	1,229
Assets per employee ($millions)	6.4786%	2,269
Cash dividends to net income (ytd only)*	24.0815%	2,365
Condition Ratios (%)
Loss allowance to loans	0.9858%	3,896
Loan loss allowance to noncurrent loans	73.3136%	3,701
Noncurrent assets plus other real estate owned to assets	0.8534%	819
Noncurrent loans to loans	1.3447%	795
Net loans and leases to total assets	60.2022%	2,228
Net loans and leases to deposits	69.5574%	2,284
Net loans and leases to core deposits	70.5133%	2,549
Total domestic deposits to total assets	86.5504%	2,530
Equity capital to assets	10.6505%	2,320
Core capital (leverage) ratio	8.9781%	3,573
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.0572%	2,689
Memoranda:
Average total assets	$16,971,191,000	113
Average earning assets	$15,425,604,000	112
Average equity	$1,811,865,750	123
Average total loans	$10,791,470,250	112
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0786%	3,908
Cost of funding earning assets	0.1399%	4,281
Net interest margin	2.9388%	3,480
Noninterest income to average assets	1.3725%	630
Noninterest expense to average assets	2.8234%	1,306
Loan and lease loss provision to assets	-0.2296%	4,785
Net operating income to assets	1.2224%	2,101
Return on assets (ROA)	1.2224%	2,176
Pretax return on assets	1.4470%	2,184
Return on Equity (ROE)	11.4408%	2,257
Retained earnings to average equity (ytd only)	8.8957%	1,740
Net charge-offs to loans	-0.0224%	4,036
Credit loss provision to net charge-offs	1,189.8194%	425
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.5136%	1,702
Assets per employee ($millions)	6.1674%	2,464
Cash dividends to net income (ytd only)*	22.2453%	2,407
Condition Ratios (%)
Loss allowance to loans	0.9767%	3,900
Loan loss allowance to noncurrent loans	77.9803%	3,613
Noncurrent assets plus other real estate owned to assets	0.8356%	940
Noncurrent loans to loans	1.2525%	949
Net loans and leases to total assets	61.6932%	2,212
Net loans and leases to deposits	71.4879%	2,258
Net loans and leases to core deposits	72.5413%	2,560
Total domestic deposits to total assets	86.2988%	2,631
Equity capital to assets	10.7695%	2,172
Core capital (leverage) ratio	8.9606%	3,505
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.0199%	2,716
Memoranda:
Average total assets	$16,840,734,667	113
Average earning assets	$15,291,249,667	112
Average equity	$1,799,424,000	122
Average total loans	$10,869,719,000	110
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.8864%	4,280
Cost of funding earning assets	0.1493%	4,307
Net interest margin	2.7371%	3,889
Noninterest income to average assets	1.4478%	644
Noninterest expense to average assets	2.8961%	1,163
Loan and lease loss provision to assets	-0.4755%	4,913
Net operating income to assets	1.2780%	1,897
Return on assets (ROA)	1.2780%	1,969
Pretax return on assets	1.5115%	1,960
Return on Equity (ROE)	12.0095%	2,012
Retained earnings to average equity (ytd only)	8.0465%	2,220
Net charge-offs to loans	-0.0869%	4,591
Credit loss provision to net charge-offs	440.1090%	621
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	73.2473%	1,377
Assets per employee ($millions)	6.0424%	2,562
Cash dividends to net income (ytd only)*	32.9987%	1,617
Condition Ratios (%)
Loss allowance to loans	0.9858%	3,892
Loan loss allowance to noncurrent loans	62.1562%	3,816
Noncurrent assets plus other real estate owned to assets	1.1041%	716
Noncurrent loans to loans	1.5860%	768
Net loans and leases to total assets	64.9861%	1,923
Net loans and leases to deposits	75.4383%	1,973
Net loans and leases to core deposits	76.6032%	2,300
Total domestic deposits to total assets	86.1446%	2,685
Equity capital to assets	10.6055%	2,169
Core capital (leverage) ratio	8.8728%	3,729
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.7293%	2,759
Memoranda:
Average total assets	$16,713,092,500	114
Average earning assets	$15,169,453,000	113
Average equity	$1,778,561,000	123
Average total loans	$10,979,018,500	110
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4616%	4,093
Cost of funding earning assets	0.2931%	4,187
Net interest margin	3.1685%	3,439
Noninterest income to average assets	1.8172%	390
Noninterest expense to average assets	3.1372%	1,163
Loan and lease loss provision to assets	0.2398%	1,626
Net operating income to assets	1.0820%	1,983
Return on assets (ROA)	1.0820%	2,117
Pretax return on assets	1.2860%	2,027
Return on Equity (ROE)	9.4342%	2,225
Retained earnings to average equity (ytd only)	3.1101%	3,288
Net charge-offs to loans	0.0177%	2,737
Credit loss provision to net charge-offs	1,934.2796%	453
Earnings coverage of net charge-offs (x)	123.0937%	694
Efficiency ratio	66.8439%	2,380
Assets per employee ($millions)	5.9170%	2,417
Cash dividends to net income (ytd only)*	67.0338%	1,072
Condition Ratios (%)
Loss allowance to loans	1.0780%	3,569
Loan loss allowance to noncurrent loans	63.7141%	3,827
Noncurrent assets plus other real estate owned to assets	1.1829%	744
Noncurrent loans to loans	1.6920%	758
Net loans and leases to total assets	65.0415%	2,219
Net loans and leases to deposits	75.7674%	2,305
Net loans and leases to core deposits	77.1587%	2,625
Total domestic deposits to total assets	85.8437%	2,434
Equity capital to assets	10.6787%	2,538
Core capital (leverage) ratio	9.0666%	3,591
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.7340%	2,718
Memoranda:
Average total assets	$15,061,942,400	117
Average earning assets	$13,528,145,600	117
Average equity	$1,727,401,600	122
Average total loans	$10,528,254,600	110
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5407%	4,136
Cost of funding earning assets	0.3331%	4,135
Net interest margin	3.2076%	3,471
Noninterest income to average assets	1.8735%	349
Noninterest expense to average assets	3.2041%	1,070
Loan and lease loss provision to assets	0.3678%	1,010
Net operating income to assets	1.0058%	2,319
Return on assets (ROA)	1.0058%	2,446
Pretax return on assets	1.1741%	2,475
Return on Equity (ROE)	8.6034%	2,565
Retained earnings to average equity (ytd only)	2.0829%	3,906
Net charge-offs to loans	0.0201%	2,455
Credit loss provision to net charge-offs	2,571.4467%	393
Earnings coverage of net charge-offs (x)	107.7970%	754
Efficiency ratio	67.0711%	2,305
Assets per employee ($millions)	5.5399%	2,670
Cash dividends to net income (ytd only)*	75.7896%	679
Condition Ratios (%)
Loss allowance to loans	1.0819%	3,295
Loan loss allowance to noncurrent loans	69.3562%	3,744
Noncurrent assets plus other real estate owned to assets	1.2353%	796
Noncurrent loans to loans	1.5600%	908
Net loans and leases to total assets	71.7086%	1,713
Net loans and leases to deposits	84.2072%	1,889
Net loans and leases to core deposits	86.0571%	2,296
Total domestic deposits to total assets	85.1573%	2,374
Equity capital to assets	11.2230%	2,215
Core capital (leverage) ratio	8.9967%	3,763
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.5974%	2,763
Memoranda:
Average total assets	$14,689,954,000	117
Average earning assets	$13,155,966,250	119
Average equity	$1,717,424,750	120
Average total loans	$10,439,916,000	110
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6526%	4,168
Cost of funding earning assets	0.3891%	4,081
Net interest margin	3.2636%	3,481
Noninterest income to average assets	1.8565%	322
Noninterest expense to average assets	3.3393%	936
Loan and lease loss provision to assets	0.5384%	629
Net operating income to assets	0.7754%	3,134
Return on assets (ROA)	0.7754%	3,245
Pretax return on assets	0.8950%	3,323
Return on Equity (ROE)	6.5378%	3,314
Retained earnings to average equity (ytd only)	-0.3371%	4,369
Net charge-offs to loans	0.0519%	1,745
Credit loss provision to net charge-offs	1,469.5224%	610
Earnings coverage of net charge-offs (x)	39.1240%	1,262
Efficiency ratio	69.5168%	2,017
Assets per employee ($millions)	5.6076%	2,536
Cash dividends to net income (ytd only)*	105.1566%	431
Condition Ratios (%)
Loss allowance to loans	1.0880%	3,136
Loan loss allowance to noncurrent loans	111.3168%	3,073
Noncurrent assets plus other real estate owned to assets	0.7989%	1,553
Noncurrent loans to loans	0.9774%	1,584
Net loans and leases to total assets	69.0600%	2,177
Net loans and leases to deposits	80.1438%	2,404
Net loans and leases to core deposits	81.8901%	2,783
Total domestic deposits to total assets	86.1701%	1,936
Equity capital to assets	10.9611%	2,378
Core capital (leverage) ratio	8.9366%	3,970
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.7956%	2,693
Memoranda:
Average total assets	$14,401,226,333	118
Average earning assets	$12,868,282,000	117
Average equity	$1,707,946,333	120
Average total loans	$10,160,854,333	113
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9339%	3,971
Cost of funding earning assets	0.5187%	3,854
Net interest margin	3.4152%	3,253
Noninterest income to average assets	1.8666%	294
Noninterest expense to average assets	3.5552%	860
Loan and lease loss provision to assets	0.5984%	464
Net operating income to assets	0.6684%	3,373
Return on assets (ROA)	0.6684%	3,442
Pretax return on assets	0.7516%	3,544
Return on Equity (ROE)	5.4020%	3,505
Retained earnings to average equity (ytd only)	-4.7644%	4,503
Net charge-offs to loans	0.1261%	955
Credit loss provision to net charge-offs	668.8658%	742
Earnings coverage of net charge-offs (x)	15.0894%	1,579
Efficiency ratio	71.9968%	2,075
Assets per employee ($millions)	5.0771%	2,563
Cash dividends to net income (ytd only)*	188.1972%	337
Condition Ratios (%)
Loss allowance to loans	1.0165%	3,618
Loan loss allowance to noncurrent loans	103.3939%	3,189
Noncurrent assets plus other real estate owned to assets	0.8711%	1,528
Noncurrent loans to loans	0.9831%	1,681
Net loans and leases to total assets	69.8595%	2,270
Net loans and leases to deposits	84.4903%	2,170
Net loans and leases to core deposits	86.7904%	2,614
Total domestic deposits to total assets	82.6836%	3,212
Equity capital to assets	12.1150%	1,985
Core capital (leverage) ratio	10.0706%	3,377
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.6031%	2,884
Memoranda:
Average total assets	$13,756,853,000	118
Average earning assets	$12,240,117,000	117
Average equity	$1,702,023,000	122
Average total loans	$9,763,942,500	114
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2471%	3,690
Cost of funding earning assets	0.6805%	3,260
Net interest margin	3.5666%	3,239
Noninterest income to average assets	1.3669%	517
Noninterest expense to average assets	3.1496%	1,646
Loan and lease loss provision to assets	0.0804%	2,387
Net operating income to assets	1.1373%	2,299
Return on assets (ROA)	1.1373%	2,401
Pretax return on assets	1.3173%	2,451
Return on Equity (ROE)	9.2020%	2,656
Retained earnings to average equity (ytd only)	1.9795%	4,011
Net charge-offs to loans	0.0666%	2,136
Credit loss provision to net charge-offs	172.9260%	1,500
Earnings coverage of net charge-offs (x)	30.0533%	1,583
Efficiency ratio	68.5907%	2,374
Assets per employee ($millions)	4.7454%	2,898
Cash dividends to net income (ytd only)*	78.4880%	845
Condition Ratios (%)
Loss allowance to loans	0.8832%	4,040
Loan loss allowance to noncurrent loans	87.8841%	3,463
Noncurrent assets plus other real estate owned to assets	0.9341%	1,359
Noncurrent loans to loans	1.0050%	1,509
Net loans and leases to total assets	70.7582%	2,281
Net loans and leases to deposits	84.7994%	2,237
Net loans and leases to core deposits	87.2151%	2,684
Total domestic deposits to total assets	83.4418%	3,052
Equity capital to assets	12.6393%	1,743
Core capital (leverage) ratio	10.3501%	3,138
Tier 1 risk-based capital ratio	12.2980%	4,186
Total risk-based capital ratio	13.0715%	4,337
Memoranda:
Average total assets	$13,476,748,800	115
Average earning assets	$12,017,870,200	113
Average equity	$1,665,602,600	121
Average total loans	$9,406,913,600	115
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2808%	3,713
Cost of funding earning assets	0.7020%	3,216
Net interest margin	3.5788%	3,307
Noninterest income to average assets	1.3637%	493
Noninterest expense to average assets	3.1275%	1,647
Loan and lease loss provision to assets	0.0711%	2,458
Net operating income to assets	1.1741%	2,290
Return on assets (ROA)	1.1741%	2,367
Pretax return on assets	1.3571%	2,472
Return on Equity (ROE)	9.5538%	2,645
Retained earnings to average equity (ytd only)	1.3087%	4,490
Net charge-offs to loans	0.0460%	2,176
Credit loss provision to net charge-offs	222.5666%	1,206
Earnings coverage of net charge-offs (x)	44.7328%	1,275
Efficiency ratio	67.9737%	2,427
Assets per employee ($millions)	4.7911%	2,803
Cash dividends to net income (ytd only)*	86.3018%	507
Condition Ratios (%)
Loss allowance to loans	0.8802%	4,126
Loan loss allowance to noncurrent loans	85.3136%	3,542
Noncurrent assets plus other real estate owned to assets	0.9644%	1,397
Noncurrent loans to loans	1.0317%	1,556
Net loans and leases to total assets	70.0375%	2,469
Net loans and leases to deposits	84.4134%	2,403
Net loans and leases to core deposits	86.9115%	2,827
Total domestic deposits to total assets	82.9695%	3,180
Equity capital to assets	12.4461%	1,954
Core capital (leverage) ratio	10.2095%	3,414
Tier 1 risk-based capital ratio	12.1989%	4,311
Total risk-based capital ratio	12.9716%	4,457
Memoranda:
Average total assets	$13,471,950,000	114
Average earning assets	$12,016,004,000	113
Average equity	$1,655,556,250	121
Average total loans	$9,349,998,000	115
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2612%	3,758
Cost of funding earning assets	0.7009%	3,164
Net interest margin	3.5603%	3,399
Noninterest income to average assets	1.3354%	492
Noninterest expense to average assets	3.1232%	1,674
Loan and lease loss provision to assets	0.0637%	2,540
Net operating income to assets	1.1450%	2,343
Return on assets (ROA)	1.1450%	2,420
Pretax return on assets	1.3275%	2,449
Return on Equity (ROE)	9.3577%	2,702
Retained earnings to average equity (ytd only)	-0.6263%	4,777
Net charge-offs to loans	0.0649%	1,729
Credit loss provision to net charge-offs	142.4626%	1,548
Earnings coverage of net charge-offs (x)	31.0992%	1,435
Efficiency ratio	68.4933%	2,446
Assets per employee ($millions)	4.8053%	2,733
Cash dividends to net income (ytd only)*	106.6930%	345
Condition Ratios (%)
Loss allowance to loans	0.8660%	4,214
Loan loss allowance to noncurrent loans	86.2765%	3,550
Noncurrent assets plus other real estate owned to assets	0.9305%	1,496
Noncurrent loans to loans	1.0038%	1,636
Net loans and leases to total assets	69.1213%	2,659
Net loans and leases to deposits	80.8416%	2,863
Net loans and leases to core deposits	83.7246%	3,130
Total domestic deposits to total assets	85.5021%	2,262
Equity capital to assets	12.2828%	1,999
Core capital (leverage) ratio	9.9018%	3,701
Tier 1 risk-based capital ratio	12.1362%	4,339
Total risk-based capital ratio	12.8940%	4,506
Memoranda:
Average total assets	$13,435,024,000	115
Average earning assets	$11,995,871,330	114
Average equity	$1,643,900,330	120
Average total loans	$9,267,506,670	115
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1975%	3,876
Cost of funding earning assets	0.6743%	3,181
Net interest margin	3.5232%	3,528
Noninterest income to average assets	1.1946%	568
Noninterest expense to average assets	3.1093%	1,712
Loan and lease loss provision to assets	0.0505%	2,643
Net operating income to assets	1.0190%	2,778
Return on assets (ROA)	1.0190%	2,820
Pretax return on assets	1.1833%	2,865
Return on Equity (ROE)	8.3438%	3,098
Retained earnings to average equity (ytd only)	-4.6609%	4,910
Net charge-offs to loans	0.0831%	1,264
Credit loss provision to net charge-offs	88.5220%	1,730
Earnings coverage of net charge-offs (x)	21.6289%	1,526
Efficiency ratio	70.8343%	2,216
Assets per employee ($millions)	4.7464%	2,854
Cash dividends to net income (ytd only)*	155.8607%	308
Condition Ratios (%)
Loss allowance to loans	0.8671%	4,281
Loan loss allowance to noncurrent loans	79.6355%	3,696
Noncurrent assets plus other real estate owned to assets	0.9868%	1,418
Noncurrent loans to loans	1.0888%	1,527
Net loans and leases to total assets	68.1309%	2,744
Net loans and leases to deposits	79.4842%	2,893
Net loans and leases to core deposits	82.4347%	3,153
Total domestic deposits to total assets	85.7163%	2,400
Equity capital to assets	12.1142%	1,955
Core capital (leverage) ratio	9.9223%	3,686
Tier 1 risk-based capital ratio	12.2732%	4,316
Total risk-based capital ratio	13.0347%	4,477
Memoranda:
Average total assets	$13,379,499,500	114
Average earning assets	$11,956,610,500	114
Average equity	$1,633,933,000	120
Average total loans	$9,178,748,500	115
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0214%	3,962
Cost of funding earning assets	0.5307%	3,174
Net interest margin	3.4907%	3,736
Noninterest income to average assets	1.3618%	491
Noninterest expense to average assets	3.0573%	1,901
Loan and lease loss provision to assets	0.1258%	1,743
Net operating income to assets	1.1288%	2,483
Return on assets (ROA)	1.1288%	2,481
Pretax return on assets	1.3006%	2,495
Return on Equity (ROE)	9.3624%	2,807
Retained earnings to average equity (ytd only)	1.4617%	4,549
Net charge-offs to loans	0.1915%	1,000
Credit loss provision to net charge-offs	98.3159%	2,593
Earnings coverage of net charge-offs (x)	11.1447%	2,653
Efficiency ratio	67.3189%	2,653
Assets per employee ($millions)	4.6513%	2,959
Cash dividends to net income (ytd only)*	84.3874%	573
Condition Ratios (%)
Loss allowance to loans	0.8852%	4,227
Loan loss allowance to noncurrent loans	79.4014%	3,756
Noncurrent assets plus other real estate owned to assets	1.0244%	1,335
Noncurrent loans to loans	1.1148%	1,450
Net loans and leases to total assets	67.8714%	2,892
Net loans and leases to deposits	79.2215%	3,037
Net loans and leases to core deposits	82.3354%	3,234
Total domestic deposits to total assets	85.6730%	2,371
Equity capital to assets	12.3116%	1,695
Core capital (leverage) ratio	10.1269%	3,425
Tier 1 risk-based capital ratio	12.1436%	4,329
Total risk-based capital ratio	12.8892%	4,536
Memoranda:
Average total assets	$13,499,758,600	109
Average earning assets	$12,073,756,200	109
Average equity	$1,627,613,800	112
Average total loans	$9,022,510,800	112
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9668%	4,030
Cost of funding earning assets	0.4934%	3,240
Net interest margin	3.4734%	3,792
Noninterest income to average assets	1.3754%	501
Noninterest expense to average assets	3.0370%	1,912
Loan and lease loss provision to assets	0.1480%	1,343
Net operating income to assets	1.1315%	2,523
Return on assets (ROA)	1.1315%	2,538
Pretax return on assets	1.2968%	2,641
Return on Equity (ROE)	9.4339%	2,882
Retained earnings to average equity (ytd only)	4.7179%	3,386
Net charge-offs to loans	0.0780%	1,741
Credit loss provision to net charge-offs	285.6085%	1,065
Earnings coverage of net charge-offs (x)	27.8840%	1,690
Efficiency ratio	66.8925%	2,729
Assets per employee ($millions)	4.6509%	2,912
Cash dividends to net income (ytd only)*	49.9896%	1,592
Condition Ratios (%)
Loss allowance to loans	0.9996%	3,767
Loan loss allowance to noncurrent loans	86.2143%	3,700
Noncurrent assets plus other real estate owned to assets	1.0535%	1,370
Noncurrent loans to loans	1.1595%	1,456
Net loans and leases to total assets	66.7712%	3,094
Net loans and leases to deposits	81.7605%	2,845
Net loans and leases to core deposits	85.0473%	3,078
Total domestic deposits to total assets	81.6668%	3,699
Equity capital to assets	12.2348%	1,750
Core capital (leverage) ratio	10.2851%	3,309
Tier 1 risk-based capital ratio	12.5879%	4,164
Total risk-based capital ratio	13.4363%	4,287
Memoranda:
Average total assets	$13,553,683,750	109
Average earning assets	$12,121,057,000	109
Average equity	$1,625,646,750	110
Average total loans	$9,003,988,750	110
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8807%	4,126
Cost of funding earning assets	0.4541%	3,324
Net interest margin	3.4266%	3,875
Noninterest income to average assets	1.3742%	501
Noninterest expense to average assets	3.0099%	2,019
Loan and lease loss provision to assets	0.1006%	1,935
Net operating income to assets	1.1489%	2,395
Return on assets (ROA)	1.1489%	2,398
Pretax return on assets	1.3280%	2,402
Return on Equity (ROE)	9.6427%	2,742
Retained earnings to average equity (ytd only)	4.5857%	3,297
Net charge-offs to loans	0.0231%	2,404
Credit loss provision to net charge-offs	659.3057%	590
Earnings coverage of net charge-offs (x)	93.6316%	729
Efficiency ratio	66.9237%	2,838
Assets per employee ($millions)	4.6788%	2,842
Cash dividends to net income (ytd only)*	52.4435%	1,579
Condition Ratios (%)
Loss allowance to loans	0.9572%	4,079
Loan loss allowance to noncurrent loans	87.3880%	3,698
Noncurrent assets plus other real estate owned to assets	1.0263%	1,465
Noncurrent loans to loans	1.0954%	1,611
Net loans and leases to total assets	66.2756%	3,101
Net loans and leases to deposits	80.8216%	2,869
Net loans and leases to core deposits	83.6397%	3,110
Total domestic deposits to total assets	82.0024%	3,724
Equity capital to assets	12.0438%	1,830
Core capital (leverage) ratio	10.1019%	3,477
Tier 1 risk-based capital ratio	12.4145%	4,236
Total risk-based capital ratio	13.2294%	4,390
Memoranda:
Average total assets	$13,592,741,330	109
Average earning assets	$12,156,022,670	109
Average equity	$1,619,552,330	110
Average total loans	$8,984,548,670	110
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7876%	4,253
Cost of funding earning assets	0.4267%	3,389
Net interest margin	3.3609%	4,019
Noninterest income to average assets	1.3624%	504
Noninterest expense to average assets	2.9848%	2,100
Loan and lease loss provision to assets	0.1207%	1,567
Net operating income to assets	1.1009%	2,413
Return on assets (ROA)	1.1009%	2,428
Pretax return on assets	1.2683%	2,483
Return on Equity (ROE)	9.2896%	2,773
Retained earnings to average equity (ytd only)	4.5846%	3,370
Net charge-offs to loans	-0.0271%	4,695
Credit loss provision to net charge-offs	-678.3828%	4,081
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.3049%	2,954
Assets per employee ($millions)	4.6336%	2,959
Cash dividends to net income (ytd only)*	50.6479%	1,502
Condition Ratios (%)
Loss allowance to loans	0.9617%	4,161
Loan loss allowance to noncurrent loans	79.2853%	3,844
Noncurrent assets plus other real estate owned to assets	1.0953%	1,417
Noncurrent loans to loans	1.2130%	1,495
Net loans and leases to total assets	65.4334%	3,120
Net loans and leases to deposits	80.1357%	2,796
Net loans and leases to core deposits	82.8333%	3,077
Total domestic deposits to total assets	81.6532%	4,051
Equity capital to assets	11.9958%	1,791
Core capital (leverage) ratio	9.8446%	3,716
Tier 1 risk-based capital ratio	12.4588%	4,274
Total risk-based capital ratio	13.2776%	4,422
Memoranda:
Average total assets	$13,628,179,500	109
Average earning assets	$12,210,668,000	109
Average equity	$1,615,054,000	111
Average total loans	$8,952,669,500	110
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6944%	4,350
Cost of funding earning assets	0.3287%	3,888
Net interest margin	3.3657%	3,947
Noninterest income to average assets	1.3386%	585
Noninterest expense to average assets	3.1298%	1,775
Loan and lease loss provision to assets	0.0563%	3,103
Net operating income to assets	0.7882%	3,213
Return on assets (ROA)	0.7883%	3,254
Pretax return on assets	1.1552%	2,964
Return on Equity (ROE)	6.7455%	3,412
Retained earnings to average equity (ytd only)	2.6395%	3,742
Net charge-offs to loans	0.1100%	1,968
Credit loss provision to net charge-offs	80.6178%	2,932
Earnings coverage of net charge-offs (x)	17.3572%	2,134
Efficiency ratio	71.0584%	2,388
Assets per employee ($millions)	4.7686%	2,774
Cash dividends to net income (ytd only)*	60.8701%	1,709
Condition Ratios (%)
Loss allowance to loans	0.8967%	4,483
Loan loss allowance to noncurrent loans	74.8065%	4,001
Noncurrent assets plus other real estate owned to assets	1.0964%	1,387
Noncurrent loans to loans	1.1987%	1,483
Net loans and leases to total assets	64.7392%	3,266
Net loans and leases to deposits	84.3010%	2,459
Net loans and leases to core deposits	87.4450%	2,771
Total domestic deposits to total assets	76.7953%	4,883
Equity capital to assets	11.7094%	2,026
Core capital (leverage) ratio	9.5448%	3,986
Tier 1 risk-based capital ratio	12.1602%	4,424
Total risk-based capital ratio	12.9252%	4,624
Memoranda:
Average total assets	$13,684,451,200	104
Average earning assets	$12,208,088,800	105
Average equity	$1,599,207,800	107
Average total loans	$8,683,646,800	110
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6545%	4,436
Cost of funding earning assets	0.3034%	4,095
Net interest margin	3.3511%	4,011
Noninterest income to average assets	1.3624%	566
Noninterest expense to average assets	3.1794%	1,605
Loan and lease loss provision to assets	0.0345%	3,429
Net operating income to assets	0.8944%	3,056
Return on assets (ROA)	0.8945%	3,109
Pretax return on assets	1.1355%	3,164
Return on Equity (ROE)	7.6582%	3,315
Retained earnings to average equity (ytd only)	3.5441%	3,803
Net charge-offs to loans	0.0015%	3,725
Credit loss provision to net charge-offs	3,680.2083%	125
Earnings coverage of net charge-offs (x)	1,248.1771%	80
Efficiency ratio	72.0587%	2,198
Assets per employee ($millions)	4.8237%	2,670
Cash dividends to net income (ytd only)*	53.7212%	1,597
Condition Ratios (%)
Loss allowance to loans	0.9679%	4,248
Loan loss allowance to noncurrent loans	79.6043%	3,929
Noncurrent assets plus other real estate owned to assets	1.1274%	1,467
Noncurrent loans to loans	1.2159%	1,562
Net loans and leases to total assets	63.4546%	3,492
Net loans and leases to deposits	85.9574%	2,298
Net loans and leases to core deposits	89.0462%	2,686
Total domestic deposits to total assets	73.8210%	5,251
Equity capital to assets	11.7170%	2,174
Core capital (leverage) ratio	9.4840%	4,188
Tier 1 risk-based capital ratio	12.1951%	4,502
Total risk-based capital ratio	13.0154%	4,661
Memoranda:
Average total assets	$13,656,657,250	104
Average earning assets	$12,172,336,250	105
Average equity	$1,595,164,250	107
Average total loans	$8,601,559,500	109
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5925%	4,532
Cost of funding earning assets	0.2652%	4,418
Net interest margin	3.3273%	4,023
Noninterest income to average assets	1.4058%	546
Noninterest expense to average assets	3.2829%	1,403
Loan and lease loss provision to assets	0.0223%	3,542
Net operating income to assets	0.8321%	3,240
Return on assets (ROA)	0.8321%	3,294
Pretax return on assets	1.0624%	3,328
Return on Equity (ROE)	7.1312%	3,478
Retained earnings to average equity (ytd only)	2.9944%	3,932
Net charge-offs to loans	0.0134%	2,985
Credit loss provision to net charge-offs	265.6140%	1,042
Earnings coverage of net charge-offs (x)	129.2246%	549
Efficiency ratio	74.1170%	1,988
Assets per employee ($millions)	4.8660%	2,566
Cash dividends to net income (ytd only)*	58.0093%	1,573
Condition Ratios (%)
Loss allowance to loans	0.9485%	4,427
Loan loss allowance to noncurrent loans	76.2156%	4,046
Noncurrent assets plus other real estate owned to assets	1.1480%	1,501
Noncurrent loans to loans	1.2445%	1,558
Net loans and leases to total assets	62.7809%	3,537
Net loans and leases to deposits	83.6343%	2,528
Net loans and leases to core deposits	86.3560%	2,847
Total domestic deposits to total assets	75.0660%	5,197
Equity capital to assets	11.5499%	2,281
Core capital (leverage) ratio	9.4354%	4,191
Tier 1 risk-based capital ratio	12.1345%	4,544
Total risk-based capital ratio	12.9392%	4,728
Memoranda:
Average total assets	$13,581,339,670	104
Average earning assets	$12,089,507,670	106
Average equity	$1,584,676,330	106
Average total loans	$8,503,661,000	109
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5277%	4,615
Cost of funding earning assets	0.2282%	4,730
Net interest margin	3.2995%	4,009
Noninterest income to average assets	1.3407%	579
Noninterest expense to average assets	3.0044%	2,156
Loan and lease loss provision to assets	0.0345%	3,095
Net operating income to assets	0.9486%	2,531
Return on assets (ROA)	0.9486%	2,591
Pretax return on assets	1.2323%	2,468
Return on Equity (ROE)	8.0875%	2,882
Retained earnings to average equity (ytd only)	3.9294%	3,483
Net charge-offs to loans	0.0656%	1,674
Credit loss provision to net charge-offs	84.5142%	1,728
Earnings coverage of net charge-offs (x)	31.0424%	1,198
Efficiency ratio	69.2492%	3,001
Assets per employee ($millions)	4.8183%	2,669
Cash dividends to net income (ytd only)*	51.4141%	1,639
Condition Ratios (%)
Loss allowance to loans	0.9819%	4,383
Loan loss allowance to noncurrent loans	83.7976%	3,929
Noncurrent assets plus other real estate owned to assets	1.1446%	1,541
Noncurrent loans to loans	1.1718%	1,738
Net loans and leases to total assets	61.6509%	3,583
Net loans and leases to deposits	82.1779%	2,486
Net loans and leases to core deposits	84.8465%	2,825
Total domestic deposits to total assets	75.0212%	5,330
Equity capital to assets	11.7409%	2,006
Core capital (leverage) ratio	9.7492%	3,813
Tier 1 risk-based capital ratio	12.6287%	4,311
Total risk-based capital ratio	13.4510%	4,480
Memoranda:
Average total assets	$13,418,459,000	103
Average earning assets	$11,918,056,500	105
Average equity	$1,573,885,000	105
Average total loans	$8,348,188,000	108
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5774%	4,570
Cost of funding earning assets	0.1947%	5,067
Net interest margin	3.3826%	3,879
Noninterest income to average assets	1.3284%	646
Noninterest expense to average assets	3.1121%	1,999
Loan and lease loss provision to assets	0.1132%	2,174
Net operating income to assets	0.8538%	3,052
Return on assets (ROA)	0.8520%	3,168
Pretax return on assets	1.1020%	3,099
Return on Equity (ROE)	7.1149%	3,411
Retained earnings to average equity (ytd only)	2.8755%	3,851
Net charge-offs to loans	0.1467%	1,800
Credit loss provision to net charge-offs	126.1597%	2,118
Earnings coverage of net charge-offs (x)	13.5698%	2,358
Efficiency ratio	70.6580%	2,801
Assets per employee ($millions)	4.7885%	2,671
Cash dividends to net income (ytd only)*	59.5857%	1,812
Condition Ratios (%)
Loss allowance to loans	0.9960%	4,357
Loan loss allowance to noncurrent loans	98.6750%	3,658
Noncurrent assets plus other real estate owned to assets	1.0923%	1,716
Noncurrent loans to loans	1.0094%	2,071
Net loans and leases to total assets	61.5465%	3,656
Net loans and leases to deposits	81.5740%	2,716
Net loans and leases to core deposits	83.7700%	3,049
Total domestic deposits to total assets	75.4487%	5,302
Equity capital to assets	11.7175%	1,997
Core capital (leverage) ratio	9.7657%	3,788
Tier 1 risk-based capital ratio	12.5763%	4,343
Total risk-based capital ratio	13.4071%	4,492
Memoranda:
Average total assets	$12,998,221,000	101
Average earning assets	$11,532,800,800	102
Average equity	$1,556,484,000	102
Average total loans	$7,951,995,400	108
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5760%	4,619
Cost of funding earning assets	0.1918%	5,156
Net interest margin	3.3842%	3,912
Noninterest income to average assets	1.3533%	642
Noninterest expense to average assets	3.1451%	1,913
Loan and lease loss provision to assets	0.1211%	1,920
Net operating income to assets	0.8419%	3,190
Return on assets (ROA)	0.8394%	3,319
Pretax return on assets	1.0848%	3,298
Return on Equity (ROE)	6.9711%	3,574
Retained earnings to average equity (ytd only)	2.7127%	4,268
Net charge-offs to loans	0.1541%	1,460
Credit loss provision to net charge-offs	129.0429%	1,984
Earnings coverage of net charge-offs (x)	12.8799%	2,351
Efficiency ratio	71.0027%	2,740
Assets per employee ($millions)	4.7220%	2,711
Cash dividends to net income (ytd only)*	61.0866%	1,390
Condition Ratios (%)
Loss allowance to loans	1.0234%	4,275
Loan loss allowance to noncurrent loans	95.7108%	3,713
Noncurrent assets plus other real estate owned to assets	1.1469%	1,755
Noncurrent loans to loans	1.0693%	2,110
Net loans and leases to total assets	60.4455%	3,821
Net loans and leases to deposits	81.9980%	2,733
Net loans and leases to core deposits	84.4322%	3,087
Total domestic deposits to total assets	73.7158%	5,459
Equity capital to assets	12.0033%	2,116
Core capital (leverage) ratio	9.7910%	3,820
Tier 1 risk-based capital ratio	12.7827%	4,286
Total risk-based capital ratio	13.6334%	4,449
Memoranda:
Average total assets	$12,910,169,000	100
Average earning assets	$11,448,060,500	102
Average equity	$1,554,522,500	102
Average total loans	$7,865,147,500	107
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5729%	4,672
Cost of funding earning assets	0.1895%	5,241
Net interest margin	3.3834%	3,954
Noninterest income to average assets	1.3257%	649
Noninterest expense to average assets	3.2059%	1,796
Loan and lease loss provision to assets	0.1053%	2,098
Net operating income to assets	0.7790%	3,406
Return on assets (ROA)	0.7752%	3,574
Pretax return on assets	1.0089%	3,544
Return on Equity (ROE)	6.4314%	3,834
Retained earnings to average equity (ytd only)	2.1151%	4,512
Net charge-offs to loans	0.0535%	2,437
Credit loss provision to net charge-offs	323.2057%	911
Earnings coverage of net charge-offs (x)	34.3402%	1,278
Efficiency ratio	72.8677%	2,539
Assets per employee ($millions)	4.6236%	2,835
Cash dividends to net income (ytd only)*	67.1132%	1,277
Condition Ratios (%)
Loss allowance to loans	1.0590%	4,175
Loan loss allowance to noncurrent loans	77.2183%	4,181
Noncurrent assets plus other real estate owned to assets	1.3741%	1,437
Noncurrent loans to loans	1.3715%	1,631
Net loans and leases to total assets	60.4288%	3,826
Net loans and leases to deposits	82.4774%	2,648
Net loans and leases to core deposits	84.9362%	2,996
Total domestic deposits to total assets	73.2671%	5,585
Equity capital to assets	12.0399%	2,100
Core capital (leverage) ratio	9.7960%	3,816
Tier 1 risk-based capital ratio	12.7524%	4,349
Total risk-based capital ratio	13.6341%	4,516
Memoranda:
Average total assets	$12,826,803,330	100
Average earning assets	$11,370,820,330	101
Average equity	$1,546,139,670	103
Average total loans	$7,807,850,670	107
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5757%	4,687
Cost of funding earning assets	0.1896%	5,291
Net interest margin	3.3861%	3,919
Noninterest income to average assets	1.3264%	622
Noninterest expense to average assets	3.0549%	2,224
Loan and lease loss provision to assets	0.1116%	1,867
Net operating income to assets	0.8752%	2,873
Return on assets (ROA)	0.8678%	3,025
Pretax return on assets	1.1473%	2,902
Return on Equity (ROE)	7.1952%	3,346
Retained earnings to average equity (ytd only)	2.9519%	4,038
Net charge-offs to loans	-0.0021%	4,121
Credit loss provision to net charge-offs	-8,880.0000%	5,062
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.3505%	3,240
Assets per employee ($millions)	4.3361%	3,353
Cash dividends to net income (ytd only)*	58.9735%	1,472
Condition Ratios (%)
Loss allowance to loans	1.0635%	4,267
Loan loss allowance to noncurrent loans	71.6390%	4,281
Noncurrent assets plus other real estate owned to assets	1.4752%	1,394
Noncurrent loans to loans	1.4845%	1,588
Net loans and leases to total assets	60.5964%	3,701
Net loans and leases to deposits	80.2222%	2,760
Net loans and leases to core deposits	82.5840%	3,078
Total domestic deposits to total assets	75.5357%	5,468
Equity capital to assets	12.1596%	1,910
Core capital (leverage) ratio	9.8017%	3,773
Tier 1 risk-based capital ratio	12.8526%	4,355
Total risk-based capital ratio	13.7350%	4,496
Memoranda:
Average total assets	$12,725,524,000	101
Average earning assets	$11,264,015,500	102
Average equity	$1,534,850,500	104
Average total loans	$7,732,895,000	105
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8091%	4,015
Cost of funding earning assets	0.1698%	5,538
Net interest margin	3.6393%	2,981
Noninterest income to average assets	1.3735%	639
Noninterest expense to average assets	3.2146%	1,932
Loan and lease loss provision to assets	0.0957%	2,399
Net operating income to assets	0.9592%	2,577
Return on assets (ROA)	0.9592%	2,653
Pretax return on assets	1.2578%	2,441
Return on Equity (ROE)	7.9065%	3,002
Retained earnings to average equity (ytd only)	3.5794%	3,509
Net charge-offs to loans	0.1911%	1,517
Credit loss provision to net charge-offs	85.1125%	2,857
Earnings coverage of net charge-offs (x)	12.0416%	2,506
Efficiency ratio	68.9830%	3,403
Assets per employee ($millions)	4.3104%	3,366
Cash dividends to net income (ytd only)*	54.7289%	2,029
Condition Ratios (%)
Loss allowance to loans	1.0418%	4,373
Loan loss allowance to noncurrent loans	77.5868%	4,187
Noncurrent assets plus other real estate owned to assets	1.4312%	1,457
Noncurrent loans to loans	1.3427%	1,751
Net loans and leases to total assets	59.6542%	3,884
Net loans and leases to deposits	78.7292%	2,970
Net loans and leases to core deposits	80.9219%	3,248
Total domestic deposits to total assets	75.7714%	5,468
Equity capital to assets	11.9621%	1,983
Core capital (leverage) ratio	9.8863%	3,662
Tier 1 risk-based capital ratio	12.9980%	4,317
Total risk-based capital ratio	13.8596%	4,461
Memoranda:
Average total assets	$12,334,432,800	99
Average earning assets	$10,827,218,400	101
Average equity	$1,496,406,000	99
Average total loans	$7,256,249,800	108
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8164%	4,036
Cost of funding earning assets	0.1695%	5,637
Net interest margin	3.6470%	2,974
Noninterest income to average assets	1.4118%	624
Noninterest expense to average assets	3.2410%	1,849
Loan and lease loss provision to assets	0.0845%	2,478
Net operating income to assets	0.9786%	2,582
Return on assets (ROA)	0.9786%	2,660
Pretax return on assets	1.2825%	2,463
Return on Equity (ROE)	8.0375%	3,057
Retained earnings to average equity (ytd only)	3.6971%	3,833
Net charge-offs to loans	0.2168%	1,205
Credit loss provision to net charge-offs	66.6495%	2,830
Earnings coverage of net charge-offs (x)	10.7863%	2,566
Efficiency ratio	68.9424%	3,386
Assets per employee ($millions)	4.1812%	3,561
Cash dividends to net income (ytd only)*	54.0020%	1,702
Condition Ratios (%)
Loss allowance to loans	1.0535%	4,449
Loan loss allowance to noncurrent loans	69.1657%	4,440
Noncurrent assets plus other real estate owned to assets	1.6086%	1,383
Noncurrent loans to loans	1.5231%	1,649
Net loans and leases to total assets	58.9780%	4,015
Net loans and leases to deposits	77.4936%	3,149
Net loans and leases to core deposits	80.0284%	3,423
Total domestic deposits to total assets	76.1068%	5,472
Equity capital to assets	12.2740%	1,892
Core capital (leverage) ratio	9.9436%	3,717
Tier 1 risk-based capital ratio	13.4408%	4,172
Total risk-based capital ratio	14.4349%	4,254
Memoranda:
Average total assets	$12,248,786,750	100
Average earning assets	$10,735,067,000	104
Average equity	$1,491,398,500	102
Average total loans	$7,159,816,000	111
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8288%	3,960
Cost of funding earning assets	0.1686%	5,706
Net interest margin	3.6602%	2,872
Noninterest income to average assets	1.4179%	632
Noninterest expense to average assets	3.2342%	1,880
Loan and lease loss provision to assets	0.0654%	2,811
Net operating income to assets	0.9983%	2,400
Return on assets (ROA)	0.9983%	2,507
Pretax return on assets	1.3220%	2,280
Return on Equity (ROE)	8.2210%	2,930
Retained earnings to average equity (ytd only)	3.8543%	3,551
Net charge-offs to loans	0.0528%	2,663
Credit loss provision to net charge-offs	213.3690%	1,169
Earnings coverage of net charge-offs (x)	45.2647%	1,028
Efficiency ratio	68.5792%	3,577
Assets per employee ($millions)	4.0751%	3,734
Cash dividends to net income (ytd only)*	53.1164%	1,813
Condition Ratios (%)
Loss allowance to loans	1.1867%	3,869
Loan loss allowance to noncurrent loans	72.5259%	4,416
Noncurrent assets plus other real estate owned to assets	1.7244%	1,375
Noncurrent loans to loans	1.6363%	1,598
Net loans and leases to total assets	57.2826%	4,187
Net loans and leases to deposits	71.1299%	3,809
Net loans and leases to core deposits	73.2846%	4,018
Total domestic deposits to total assets	80.5324%	4,739
Equity capital to assets	12.2626%	1,833
Core capital (leverage) ratio	9.9882%	3,621
Tier 1 risk-based capital ratio	13.7447%	4,068
Total risk-based capital ratio	14.8444%	4,095
Memoranda:
Average total assets	$12,202,092,670	102
Average earning assets	$10,680,274,670	105
Average equity	$1,481,661,330	104
Average total loans	$7,084,923,000	114
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8359%	3,869
Cost of funding earning assets	0.1695%	5,773
Net interest margin	3.6664%	2,747
Noninterest income to average assets	1.3659%	621
Noninterest expense to average assets	3.2160%	1,941
Loan and lease loss provision to assets	0.0698%	2,542
Net operating income to assets	0.9732%	2,375
Return on assets (ROA)	0.9732%	2,513
Pretax return on assets	1.2881%	2,341
Return on Equity (ROE)	8.0540%	2,934
Retained earnings to average equity (ytd only)	3.6769%	3,801
Net charge-offs to loans	0.0366%	2,477
Credit loss provision to net charge-offs	328.5054%	763
Earnings coverage of net charge-offs (x)	63.8829%	699
Efficiency ratio	68.8862%	3,681
Assets per employee ($millions)	4.0084%	3,942
Cash dividends to net income (ytd only)*	54.3466%	1,585
Condition Ratios (%)
Loss allowance to loans	1.1774%	4,099
Loan loss allowance to noncurrent loans	66.5057%	4,536
Noncurrent assets plus other real estate owned to assets	1.8067%	1,357
Noncurrent loans to loans	1.7704%	1,538
Net loans and leases to total assets	57.3153%	4,048
Net loans and leases to deposits	70.3307%	3,718
Net loans and leases to core deposits	72.6545%	3,899
Total domestic deposits to total assets	81.4941%	4,673
Equity capital to assets	12.2320%	1,866
Core capital (leverage) ratio	9.8418%	3,834
Tier 1 risk-based capital ratio	13.6011%	4,276
Total risk-based capital ratio	14.6968%	4,269
Memoranda:
Average total assets	$12,212,973,000	102
Average earning assets	$10,685,969,500	104
Average equity	$1,475,682,000	103
Average total loans	$7,096,879,000	110
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0714%	3,439
Cost of funding earning assets	0.1938%	5,799
Net interest margin	3.8775%	2,326
Noninterest income to average assets	1.3847%	639
Noninterest expense to average assets	3.3301%	1,850
Loan and lease loss provision to assets	0.0611%	3,297
Net operating income to assets	1.0337%	2,245
Return on assets (ROA)	1.0356%	2,312
Pretax return on assets	1.3628%	2,028
Return on Equity (ROE)	8.7283%	2,717
Retained earnings to average equity (ytd only)	4.2397%	3,174
Net charge-offs to loans	0.0258%	4,306
Credit loss provision to net charge-offs	412.1720%	629
Earnings coverage of net charge-offs (x)	95.8917%	544
Efficiency ratio	68.5603%	3,797
Assets per employee ($millions)	4.0028%	3,948
Cash dividends to net income (ytd only)*	51.4257%	2,196
Condition Ratios (%)
Loss allowance to loans	1.1453%	4,305
Loan loss allowance to noncurrent loans	53.5202%	5,004
Noncurrent assets plus other real estate owned to assets	2.0507%	1,224
Noncurrent loans to loans	2.1400%	1,265
Net loans and leases to total assets	57.5530%	4,111
Net loans and leases to deposits	72.5487%	3,616
Net loans and leases to core deposits	75.0247%	3,820
Total domestic deposits to total assets	79.3302%	5,181
Equity capital to assets	11.9347%	2,057
Core capital (leverage) ratio	9.4577%	4,296
Tier 1 risk-based capital ratio	13.2375%	4,567
Total risk-based capital ratio	14.3159%	4,599
Memoranda:
Average total assets	$12,082,861,800	100
Average earning assets	$10,491,224,600	103
Average equity	$1,433,652,600	104
Average total loans	$6,942,172,600	110
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1284%	3,260
Cost of funding earning assets	0.1989%	5,840
Net interest margin	3.9296%	2,118
Noninterest income to average assets	1.4114%	627
Noninterest expense to average assets	3.3256%	1,848
Loan and lease loss provision to assets	0.0841%	2,673
Net operating income to assets	1.0683%	2,159
Return on assets (ROA)	1.0708%	2,219
Pretax return on assets	1.4102%	1,967
Return on Equity (ROE)	9.0384%	2,659
Retained earnings to average equity (ytd only)	4.5308%	3,422
Net charge-offs to loans	0.0309%	3,866
Credit loss provision to net charge-offs	475.6418%	596
Earnings coverage of net charge-offs (x)	84.3175%	675
Efficiency ratio	67.5202%	3,937
Assets per employee ($millions)	3.9431%	4,004
Cash dividends to net income (ytd only)*	49.8713%	1,842
Condition Ratios (%)
Loss allowance to loans	1.1624%	4,431
Loan loss allowance to noncurrent loans	49.4986%	5,163
Noncurrent assets plus other real estate owned to assets	2.2079%	1,252
Noncurrent loans to loans	2.3484%	1,269
Net loans and leases to total assets	57.7107%	4,115
Net loans and leases to deposits	73.2147%	3,534
Net loans and leases to core deposits	75.8126%	3,767
Total domestic deposits to total assets	78.8239%	5,363
Equity capital to assets	12.0411%	2,024
Core capital (leverage) ratio	9.3688%	4,547
Tier 1 risk-based capital ratio	13.2273%	4,711
Total risk-based capital ratio	14.4419%	4,671
Memoranda:
Average total assets	$12,041,444,250	101
Average earning assets	$10,434,632,250	103
Average equity	$1,426,610,750	105
Average total loans	$6,894,947,250	109
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0726%	3,452
Cost of funding earning assets	0.2051%	5,872
Net interest margin	3.8674%	2,304
Noninterest income to average assets	1.3972%	620
Noninterest expense to average assets	3.3253%	1,856
Loan and lease loss provision to assets	0.0564%	3,167
Net operating income to assets	1.0389%	2,172
Return on assets (ROA)	1.0438%	2,206
Pretax return on assets	1.3644%	2,023
Return on Equity (ROE)	8.8586%	2,659
Retained earnings to average equity (ytd only)	4.3296%	3,416
Net charge-offs to loans	0.0482%	3,288
Credit loss provision to net charge-offs	205.6364%	1,142
Earnings coverage of net charge-offs (x)	51.5352%	893
Efficiency ratio	68.5853%	3,904
Assets per employee ($millions)	3.9151%	4,023
Cash dividends to net income (ytd only)*	51.1251%	1,881
Condition Ratios (%)
Loss allowance to loans	1.1157%	4,835
Loan loss allowance to noncurrent loans	53.9768%	5,011
Noncurrent assets plus other real estate owned to assets	2.1046%	1,484
Noncurrent loans to loans	2.0670%	1,622
Net loans and leases to total assets	56.9250%	4,128
Net loans and leases to deposits	69.8205%	3,845
Net loans and leases to core deposits	72.3769%	4,007
Total domestic deposits to total assets	81.5304%	4,804
Equity capital to assets	11.8945%	2,069
Core capital (leverage) ratio	9.2531%	4,660
Tier 1 risk-based capital ratio	13.1036%	4,848
Total risk-based capital ratio	14.2832%	4,820
Memoranda:
Average total assets	$12,024,074,670	101
Average earning assets	$10,392,124,330	103
Average equity	$1,416,750,670	104
Average total loans	$6,839,475,670	108
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9015%	4,083
Cost of funding earning assets	0.2131%	5,895
Net interest margin	3.6885%	2,913
Noninterest income to average assets	1.4029%	588
Noninterest expense to average assets	3.3208%	1,901
Loan and lease loss provision to assets	-0.0248%	6,428
Net operating income to assets	0.9772%	2,291
Return on assets (ROA)	0.9871%	2,317
Pretax return on assets	1.3028%	2,080
Return on Equity (ROE)	8.4177%	2,730
Retained earnings to average equity (ytd only)	3.8796%	3,792
Net charge-offs to loans	-0.1604%	6,312
Credit loss provision to net charge-offs	27.3196%	2,421
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.7452%	3,694
Assets per employee ($millions)	3.8709%	4,187
Cash dividends to net income (ytd only)*	53.9112%	1,579
Condition Ratios (%)
Loss allowance to loans	1.1495%	4,877
Loan loss allowance to noncurrent loans	53.8390%	5,048
Noncurrent assets plus other real estate owned to assets	2.1676%	1,534
Noncurrent loans to loans	2.1351%	1,717
Net loans and leases to total assets	55.6873%	4,185
Net loans and leases to deposits	66.1858%	4,073
Net loans and leases to core deposits	68.7422%	4,234
Total domestic deposits to total assets	84.1378%	4,229
Equity capital to assets	11.7365%	2,070
Core capital (leverage) ratio	8.9652%	5,065
Tier 1 risk-based capital ratio	12.8621%	5,089
Total risk-based capital ratio	14.0682%	5,058
Memoranda:
Average total assets	$11,977,420,500	99
Average earning assets	$10,335,574,500	102
Average equity	$1,404,476,500	102
Average total loans	$6,771,392,500	111
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1680%	3,466
Cost of funding earning assets	0.2439%	6,008
Net interest margin	3.9240%	2,203
Noninterest income to average assets	1.4498%	659
Noninterest expense to average assets	3.5598%	1,526
Loan and lease loss provision to assets	-0.0642%	6,417
Net operating income to assets	1.0322%	2,192
Return on assets (ROA)	1.0354%	2,247
Pretax return on assets	1.3633%	1,922
Return on Equity (ROE)	8.6739%	2,711
Retained earnings to average equity (ytd only)	3.9616%	3,383
Net charge-offs to loans	0.0194%	5,053
Credit loss provision to net charge-offs	-576.9658%	6,162
Earnings coverage of net charge-offs (x)	116.3765%	408
Efficiency ratio	71.7243%	3,526
Assets per employee ($millions)	3.8099%	4,241
Cash dividends to net income (ytd only)*	54.3280%	2,058
Condition Ratios (%)
Loss allowance to loans	1.1267%	5,019
Loan loss allowance to noncurrent loans	48.2880%	5,320
Noncurrent assets plus other real estate owned to assets	2.2743%	1,558
Noncurrent loans to loans	2.3333%	1,649
Net loans and leases to total assets	56.3955%	4,258
Net loans and leases to deposits	68.0078%	4,057
Net loans and leases to core deposits	71.1719%	4,168
Total domestic deposits to total assets	82.9250%	4,567
Equity capital to assets	11.7413%	1,997
Core capital (leverage) ratio	8.7631%	5,346
Tier 1 risk-based capital ratio	12.5479%	5,260
Total risk-based capital ratio	13.7411%	5,248
Memoranda:
Average total assets	$11,315,891,000	102
Average earning assets	$9,818,582,400	106
Average equity	$1,350,803,400	106
Average total loans	$6,501,316,800	109
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1322%	3,632
Cost of funding earning assets	0.2471%	6,109
Net interest margin	3.8850%	2,330
Noninterest income to average assets	1.5081%	641
Noninterest expense to average assets	3.5690%	1,459
Loan and lease loss provision to assets	-0.1122%	6,642
Net operating income to assets	1.0555%	2,171
Return on assets (ROA)	1.0588%	2,237
Pretax return on assets	1.4348%	1,818
Return on Equity (ROE)	8.8324%	2,725
Retained earnings to average equity (ytd only)	4.0986%	3,774
Net charge-offs to loans	0.0249%	4,629
Credit loss provision to net charge-offs	-782.3529%	6,143
Earnings coverage of net charge-offs (x)	91.9364%	527
Efficiency ratio	71.4781%	3,513
Assets per employee ($millions)	3.8132%	4,203
Cash dividends to net income (ytd only)*	53.5955%	1,710
Condition Ratios (%)
Loss allowance to loans	1.1050%	5,306
Loan loss allowance to noncurrent loans	43.6772%	5,493
Noncurrent assets plus other real estate owned to assets	2.4539%	1,576
Noncurrent loans to loans	2.5298%	1,706
Net loans and leases to total assets	55.8398%	4,342
Net loans and leases to deposits	67.8370%	4,078
Net loans and leases to core deposits	70.9794%	4,214
Total domestic deposits to total assets	82.3077%	4,825
Equity capital to assets	11.5510%	2,262
Core capital (leverage) ratio	8.5325%	5,740
Tier 1 risk-based capital ratio	12.3257%	5,556
Total risk-based capital ratio	13.6330%	5,465
Memoranda:
Average total assets	$11,224,560,000	102
Average earning assets	$9,762,517,750	106
Average equity	$1,345,622,250	106
Average total loans	$6,460,958,750	109
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1089%	3,705
Cost of funding earning assets	0.2487%	6,179
Net interest margin	3.8602%	2,343
Noninterest income to average assets	1.4791%	724
Noninterest expense to average assets	3.6469%	1,341
Loan and lease loss provision to assets	-0.1651%	6,761
Net operating income to assets	1.0085%	2,295
Return on assets (ROA)	1.0135%	2,403
Pretax return on assets	1.3800%	2,001
Return on Equity (ROE)	8.3472%	2,919
Retained earnings to average equity (ytd only)	3.6012%	4,024
Net charge-offs to loans	0.0009%	4,903
Credit loss provision to net charge-offs	-31,513.7931%	6,306
Earnings coverage of net charge-offs (x)	2,305.5517%	7
Efficiency ratio	73.6602%	3,190
Assets per employee ($millions)	3.8224%	4,165
Cash dividends to net income (ytd only)*	56.8581%	1,596
Condition Ratios (%)
Loss allowance to loans	1.1186%	5,368
Loan loss allowance to noncurrent loans	41.9081%	5,543
Noncurrent assets plus other real estate owned to assets	2.5441%	1,654
Noncurrent loans to loans	2.6692%	1,713
Net loans and leases to total assets	55.9893%	4,294
Net loans and leases to deposits	68.1236%	3,994
Net loans and leases to core deposits	71.8279%	4,067
Total domestic deposits to total assets	81.6611%	5,156
Equity capital to assets	11.4740%	2,324
Core capital (leverage) ratio	8.4725%	5,704
Tier 1 risk-based capital ratio	12.2037%	5,678
Total risk-based capital ratio	13.5237%	5,586
Memoranda:
Average total assets	$11,069,017,330	103
Average earning assets	$9,680,272,330	106
Average equity	$1,344,013,670	108
Average total loans	$6,414,184,330	108
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0069%	4,095
Cost of funding earning assets	0.2511%	6,285
Net interest margin	3.7558%	2,631
Noninterest income to average assets	1.5609%	634
Noninterest expense to average assets	3.6923%	1,257
Loan and lease loss provision to assets	-0.1032%	6,838
Net operating income to assets	0.9230%	2,555
Return on assets (ROA)	0.9285%	2,670
Pretax return on assets	1.2706%	2,338
Return on Equity (ROE)	7.4234%	3,254
Retained earnings to average equity (ytd only)	2.6899%	4,673
Net charge-offs to loans	-0.0902%	6,401
Credit loss provision to net charge-offs	194.9296%	1,115
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	74.9898%	3,102
Assets per employee ($millions)	3.7629%	4,427
Cash dividends to net income (ytd only)*	63.7649%	1,234
Condition Ratios (%)
Loss allowance to loans	1.2278%	5,059
Loan loss allowance to noncurrent loans	48.7828%	5,214
Noncurrent assets plus other real estate owned to assets	2.4842%	1,858
Noncurrent loans to loans	2.5169%	2,053
Net loans and leases to total assets	56.3533%	4,032
Net loans and leases to deposits	67.6418%	3,812
Net loans and leases to core deposits	71.3483%	3,906
Total domestic deposits to total assets	82.8298%	4,911
Equity capital to assets	11.7155%	2,245
Core capital (leverage) ratio	9.2255%	4,522
Tier 1 risk-based capital ratio	12.1401%	5,828
Total risk-based capital ratio	13.5622%	5,661
Memoranda:
Average total assets	$10,728,491,500	106
Average earning assets	$9,401,319,000	109
Average equity	$1,341,919,000	109
Average total loans	$6,294,671,500	110
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2594%	4,370
Cost of funding earning assets	0.3322%	6,302
Net interest margin	3.9272%	2,711
Noninterest income to average assets	1.7074%	558
Noninterest expense to average assets	3.4193%	2,008
Loan and lease loss provision to assets	0.1279%	4,012
Net operating income to assets	1.1958%	1,618
Return on assets (ROA)	1.2039%	1,758
Pretax return on assets	1.6369%	1,291
Return on Equity (ROE)	9.1784%	2,546
Retained earnings to average equity (ytd only)	3.5932%	3,679
Net charge-offs to loans	0.2922%	3,187
Credit loss provision to net charge-offs	71.1478%	4,121
Earnings coverage of net charge-offs (x)	9.7582%	2,229
Efficiency ratio	65.3451%	4,638
Assets per employee ($millions)	3.7087%	4,543
Cash dividends to net income (ytd only)*	60.8519%	1,748
Condition Ratios (%)
Loss allowance to loans	1.4189%	4,080
Loan loss allowance to noncurrent loans	58.6612%	4,721
Noncurrent assets plus other real estate owned to assets	2.3152%	2,121
Noncurrent loans to loans	2.4189%	2,202
Net loans and leases to total assets	59.7680%	3,643
Net loans and leases to deposits	75.0347%	2,960
Net loans and leases to core deposits	79.3465%	3,104
Total domestic deposits to total assets	78.8819%	5,912
Equity capital to assets	13.4655%	1,241
Core capital (leverage) ratio	10.7216%	2,522
Tier 1 risk-based capital ratio	15.1666%	3,630
Total risk-based capital ratio	16.8470%	3,333
Memoranda:
Average total assets	$9,738,339,400	112
Average earning assets	$8,594,185,600	114
Average equity	$1,277,313,000	111
Average total loans	$5,989,521,000	110
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3125%	4,410
Cost of funding earning assets	0.3482%	6,383
Net interest margin	3.9642%	2,652
Noninterest income to average assets	1.7211%	529
Noninterest expense to average assets	3.4062%	1,985
Loan and lease loss provision to assets	0.1500%	3,664
Net operating income to assets	1.2147%	1,685
Return on assets (ROA)	1.2251%	1,825
Pretax return on assets	1.6833%	1,315
Return on Equity (ROE)	9.4028%	2,632
Retained earnings to average equity (ytd only)	3.5219%	4,398
Net charge-offs to loans	0.2888%	2,993
Credit loss provision to net charge-offs	84.1548%	3,495
Earnings coverage of net charge-offs (x)	10.2057%	2,214
Efficiency ratio	64.4625%	4,723
Assets per employee ($millions)	3.7720%	4,370
Cash dividends to net income (ytd only)*	62.5437%	1,181
Condition Ratios (%)
Loss allowance to loans	1.4654%	4,088
Loan loss allowance to noncurrent loans	63.9605%	4,482
Noncurrent assets plus other real estate owned to assets	2.2677%	2,348
Noncurrent loans to loans	2.2912%	2,521
Net loans and leases to total assets	59.6325%	3,850
Net loans and leases to deposits	76.0932%	2,970
Net loans and leases to core deposits	80.7038%	3,122
Total domestic deposits to total assets	77.6305%	6,139
Equity capital to assets	13.3072%	1,434
Core capital (leverage) ratio	10.5729%	2,831
Tier 1 risk-based capital ratio	15.0255%	3,833
Total risk-based capital ratio	16.8513%	3,446
Memoranda:
Average total assets	$9,743,723,750	111
Average earning assets	$8,612,939,250	114
Average equity	$1,269,538,250	110
Average total loans	$6,014,120,000	110
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3545%	4,363
Cost of funding earning assets	0.3671%	6,434
Net interest margin	3.9874%	2,559
Noninterest income to average assets	1.6748%	534
Noninterest expense to average assets	3.4292%	1,959
Loan and lease loss provision to assets	0.1121%	4,128
Net operating income to assets	1.2099%	1,681
Return on assets (ROA)	1.2256%	1,818
Pretax return on assets	1.6808%	1,313
Return on Equity (ROE)	9.4737%	2,584
Retained earnings to average equity (ytd only)	3.0237%	4,627
Net charge-offs to loans	0.3003%	2,826
Credit loss provision to net charge-offs	60.0859%	3,794
Earnings coverage of net charge-offs (x)	9.4966%	2,158
Efficiency ratio	65.2515%	4,676
Assets per employee ($millions)	3.8310%	4,243
Cash dividends to net income (ytd only)*	68.0828%	1,142
Condition Ratios (%)
Loss allowance to loans	1.4154%	4,402
Loan loss allowance to noncurrent loans	57.5042%	4,766
Noncurrent assets plus other real estate owned to assets	2.3091%	2,424
Noncurrent loans to loans	2.4613%	2,440
Net loans and leases to total assets	60.5449%	3,725
Net loans and leases to deposits	75.5253%	3,051
Net loans and leases to core deposits	80.0729%	3,211
Total domestic deposits to total assets	79.4043%	5,879
Equity capital to assets	13.0869%	1,475
Core capital (leverage) ratio	10.3813%	2,947
Tier 1 risk-based capital ratio	14.8975%	3,832
Total risk-based capital ratio	16.7359%	3,417
Memoranda:
Average total assets	$9,737,633,000	110
Average earning assets	$8,610,437,670	114
Average equity	$1,259,701,000	111
Average total loans	$6,049,527,670	107
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3995%	4,340
Cost of funding earning assets	0.3905%	6,454
Net interest margin	4.0090%	2,467
Noninterest income to average assets	1.6330%	546
Noninterest expense to average assets	3.3691%	2,090
Loan and lease loss provision to assets	0.1291%	3,732
Net operating income to assets	1.2159%	1,689
Return on assets (ROA)	1.2470%	1,784
Pretax return on assets	1.7212%	1,252
Return on Equity (ROE)	9.6962%	2,518
Retained earnings to average equity (ytd only)	1.6124%	5,434
Net charge-offs to loans	0.0953%	3,574
Credit loss provision to net charge-offs	216.7243%	1,269
Earnings coverage of net charge-offs (x)	30.3345%	912
Efficiency ratio	64.5248%	4,828
Assets per employee ($millions)	3.8270%	4,367
Cash dividends to net income (ytd only)*	83.3707%	751
Condition Ratios (%)
Loss allowance to loans	1.4844%	4,242
Loan loss allowance to noncurrent loans	57.7587%	4,645
Noncurrent assets plus other real estate owned to assets	2.4030%	2,464
Noncurrent loans to loans	2.5699%	2,536
Net loans and leases to total assets	61.0488%	3,440
Net loans and leases to deposits	75.4904%	2,892
Net loans and leases to core deposits	80.4358%	3,021
Total domestic deposits to total assets	80.0355%	5,844
Equity capital to assets	12.8598%	1,506
Core capital (leverage) ratio	10.3073%	2,985
Tier 1 risk-based capital ratio	14.5017%	4,108
Total risk-based capital ratio	16.3348%	3,661
Memoranda:
Average total assets	$9,716,121,500	111
Average earning assets	$8,587,086,500	113
Average equity	$1,249,557,500	111
Average total loans	$6,070,941,500	106
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5729%	4,779
Cost of funding earning assets	0.4829%	6,605
Net interest margin	4.0900%	2,468
Noninterest income to average assets	1.5428%	557
Noninterest expense to average assets	3.2864%	2,563
Loan and lease loss provision to assets	0.3173%	3,144
Net operating income to assets	1.1220%	1,748
Return on assets (ROA)	1.1226%	1,868
Pretax return on assets	1.5628%	1,301
Return on Equity (ROE)	8.8399%	2,526
Retained earnings to average equity (ytd only)	3.8154%	3,498
Net charge-offs to loans	0.5593%	2,779
Credit loss provision to net charge-offs	89.5903%	4,025
Earnings coverage of net charge-offs (x)	5.3060%	2,834
Efficiency ratio	62.9862%	5,305
Assets per employee ($millions)	3.8587%	4,185
Cash dividends to net income (ytd only)*	56.8388%	1,710
Condition Ratios (%)
Loss allowance to loans	1.4636%	4,180
Loan loss allowance to noncurrent loans	55.8390%	4,722
Noncurrent assets plus other real estate owned to assets	2.5174%	2,413
Noncurrent loans to loans	2.6211%	2,492
Net loans and leases to total assets	62.0866%	3,590
Net loans and leases to deposits	80.5365%	2,426
Net loans and leases to core deposits	86.1076%	2,618
Total domestic deposits to total assets	76.1046%	6,468
Equity capital to assets	12.8616%	1,565
Core capital (leverage) ratio	10.1785%	3,122
Tier 1 risk-based capital ratio	14.4407%	4,014
Total risk-based capital ratio	16.2850%	3,581
Memoranda:
Average total assets	$9,523,139,400	111
Average earning assets	$8,435,278,200	115
Average equity	$1,209,338,600	111
Average total loans	$6,030,687,200	107
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5770%	4,963
Cost of funding earning assets	0.5062%	6,673
Net interest margin	4.0708%	2,595
Noninterest income to average assets	1.6289%	502
Noninterest expense to average assets	3.2682%	2,606
Loan and lease loss provision to assets	0.3298%	2,903
Net operating income to assets	1.1590%	1,783
Return on assets (ROA)	1.1599%	1,890
Pretax return on assets	1.6373%	1,286
Return on Equity (ROE)	9.1632%	2,525
Retained earnings to average equity (ytd only)	4.1130%	3,803
Net charge-offs to loans	0.6108%	2,417
Credit loss provision to net charge-offs	85.1614%	3,957
Earnings coverage of net charge-offs (x)	5.0760%	2,882
Efficiency ratio	61.8145%	5,439
Assets per employee ($millions)	3.8407%	4,211
Cash dividends to net income (ytd only)*	55.1143%	1,383
Condition Ratios (%)
Loss allowance to loans	1.4730%	4,238
Loan loss allowance to noncurrent loans	64.1413%	4,251
Noncurrent assets plus other real estate owned to assets	2.4131%	2,670
Noncurrent loans to loans	2.2965%	2,999
Net loans and leases to total assets	61.4177%	3,868
Net loans and leases to deposits	79.3613%	2,753
Net loans and leases to core deposits	85.8174%	2,797
Total domestic deposits to total assets	76.4326%	6,471
Equity capital to assets	12.9595%	1,633
Core capital (leverage) ratio	10.1245%	3,280
Tier 1 risk-based capital ratio	14.3808%	4,069
Total risk-based capital ratio	16.3756%	3,561
Memoranda:
Average total assets	$9,500,904,000	110
Average earning assets	$8,413,977,000	114
Average equity	$1,202,606,750	110
Average total loans	$6,024,244,000	106
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6305%	4,844
Cost of funding earning assets	0.5241%	6,766
Net interest margin	4.1064%	2,384
Noninterest income to average assets	1.6165%	500
Noninterest expense to average assets	3.2332%	2,796
Loan and lease loss provision to assets	0.3285%	2,816
Net operating income to assets	1.1751%	1,646
Return on assets (ROA)	1.1759%	1,732
Pretax return on assets	1.6926%	1,073
Return on Equity (ROE)	9.3655%	2,356
Retained earnings to average equity (ytd only)	4.2582%	3,485
Net charge-offs to loans	0.7378%	2,032
Credit loss provision to net charge-offs	69.8205%	4,059
Earnings coverage of net charge-offs (x)	4.2931%	2,906
Efficiency ratio	60.9349%	5,738
Assets per employee ($millions)	3.7892%	4,223
Cash dividends to net income (ytd only)*	54.5334%	1,546
Condition Ratios (%)
Loss allowance to loans	1.4183%	4,484
Loan loss allowance to noncurrent loans	55.8444%	4,686
Noncurrent assets plus other real estate owned to assets	2.5859%	2,575
Noncurrent loans to loans	2.5397%	2,845
Net loans and leases to total assets	61.9396%	3,895
Net loans and leases to deposits	79.3500%	2,916
Net loans and leases to core deposits	86.3297%	2,859
Total domestic deposits to total assets	76.9542%	6,457
Equity capital to assets	12.6658%	1,700
Core capital (leverage) ratio	9.9222%	3,361
Tier 1 risk-based capital ratio	14.0898%	4,104
Total risk-based capital ratio	16.0885%	3,557
Memoranda:
Average total assets	$9,471,133,330	113
Average earning assets	$8,387,213,330	114
Average equity	$1,189,194,000	112
Average total loans	$6,039,610,000	106
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6174%	4,874
Cost of funding earning assets	0.5268%	6,873
Net interest margin	4.0906%	2,301
Noninterest income to average assets	1.4549%	603
Noninterest expense to average assets	3.2661%	2,657
Loan and lease loss provision to assets	0.3141%	2,659
Net operating income to assets	1.0240%	2,095
Return on assets (ROA)	1.0242%	2,144
Pretax return on assets	1.5026%	1,439
Return on Equity (ROE)	8.1937%	2,836
Retained earnings to average equity (ytd only)	3.0320%	4,341
Net charge-offs to loans	0.5045%	2,214
Credit loss provision to net charge-offs	96.9057%	2,814
Earnings coverage of net charge-offs (x)	5.6043%	2,246
Efficiency ratio	63.6242%	5,426
Assets per employee ($millions)	3.8481%	4,192
Cash dividends to net income (ytd only)*	62.9963%	1,177
Condition Ratios (%)
Loss allowance to loans	1.5368%	4,020
Loan loss allowance to noncurrent loans	61.0121%	4,366
Noncurrent assets plus other real estate owned to assets	2.5184%	2,713
Noncurrent loans to loans	2.5189%	2,966
Net loans and leases to total assets	62.6433%	3,725
Net loans and leases to deposits	80.9563%	2,537
Net loans and leases to core deposits	88.7233%	2,516
Total domestic deposits to total assets	76.4365%	6,611
Equity capital to assets	12.5685%	1,589
Core capital (leverage) ratio	9.8527%	3,330
Tier 1 risk-based capital ratio	13.8526%	4,176
Total risk-based capital ratio	15.8531%	3,629
Memoranda:
Average total assets	$9,413,306,000	116
Average earning assets	$8,347,752,500	115
Average equity	$1,176,667,000	113
Average total loans	$6,047,690,500	108
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8890%	5,087
Cost of funding earning assets	0.6487%	7,007
Net interest margin	4.2403%	2,030
Noninterest income to average assets	1.5715%	592
Noninterest expense to average assets	3.2750%	2,817
Loan and lease loss provision to assets	0.5390%	2,994
Net operating income to assets	1.0609%	1,835
Return on assets (ROA)	1.0784%	1,859
Pretax return on assets	1.5301%	1,299
Return on Equity (ROE)	8.6145%	2,459
Retained earnings to average equity (ytd only)	3.3780%	3,503
Net charge-offs to loans	0.9561%	2,265
Credit loss provision to net charge-offs	84.0383%	5,384
Earnings coverage of net charge-offs (x)	3.1868%	3,482
Efficiency ratio	60.8688%	5,917
Assets per employee ($millions)	3.8567%	4,120
Cash dividends to net income (ytd only)*	60.7871%	1,595
Condition Ratios (%)
Loss allowance to loans	1.5071%	3,969
Loan loss allowance to noncurrent loans	57.2771%	4,586
Noncurrent assets plus other real estate owned to assets	2.5973%	2,686
Noncurrent loans to loans	2.6313%	2,891
Net loans and leases to total assets	63.8920%	3,896
Net loans and leases to deposits	87.4043%	1,881
Net loans and leases to core deposits	95.2012%	2,100
Total domestic deposits to total assets	72.7086%	7,025
Equity capital to assets	12.4318%	1,680
Core capital (leverage) ratio	9.8917%	3,219
Tier 1 risk-based capital ratio	13.4152%	4,284
Total risk-based capital ratio	15.3992%	3,725
Memoranda:
Average total assets	$9,281,185,800	116
Average earning assets	$8,202,780,800	116
Average equity	$1,161,898,000	110
Average total loans	$6,226,568,000	108
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9303%	5,130
Cost of funding earning assets	0.6787%	7,110
Net interest margin	4.2515%	2,026
Noninterest income to average assets	1.5710%	566
Noninterest expense to average assets	3.2608%	2,706
Loan and lease loss provision to assets	0.5534%	2,733
Net operating income to assets	1.0582%	2,045
Return on assets (ROA)	1.0807%	2,074
Pretax return on assets	1.5435%	1,495
Return on Equity (ROE)	8.6169%	2,642
Retained earnings to average equity (ytd only)	3.3632%	4,081
Net charge-offs to loans	0.9989%	2,007
Credit loss provision to net charge-offs	81.8900%	5,078
Earnings coverage of net charge-offs (x)	3.0554%	3,605
Efficiency ratio	60.5223%	5,868
Assets per employee ($millions)	3.7867%	4,302
Cash dividends to net income (ytd only)*	60.9699%	1,218
Condition Ratios (%)
Loss allowance to loans	1.5115%	3,911
Loan loss allowance to noncurrent loans	43.3511%	5,392
Noncurrent assets plus other real estate owned to assets	3.2013%	2,238
Noncurrent loans to loans	3.4866%	2,277
Net loans and leases to total assets	65.3049%	3,843
Net loans and leases to deposits	88.0950%	1,997
Net loans and leases to core deposits	95.9738%	2,264
Total domestic deposits to total assets	73.7064%	6,957
Equity capital to assets	12.7118%	1,745
Core capital (leverage) ratio	9.9284%	3,322
Tier 1 risk-based capital ratio	13.2760%	4,367
Total risk-based capital ratio	15.2594%	3,800
Memoranda:
Average total assets	$9,245,043,500	115
Average earning assets	$8,164,359,750	114
Average equity	$1,159,425,750	110
Average total loans	$6,254,595,000	106
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9768%	5,044
Cost of funding earning assets	0.7080%	7,181
Net interest margin	4.2688%	1,897
Noninterest income to average assets	1.5664%	525
Noninterest expense to average assets	3.2493%	2,728
Loan and lease loss provision to assets	0.5664%	2,507
Net operating income to assets	1.0323%	2,073
Return on assets (ROA)	1.0651%	2,038
Pretax return on assets	1.5658%	1,391
Return on Equity (ROE)	8.5318%	2,654
Retained earnings to average equity (ytd only)	3.2502%	4,031
Net charge-offs to loans	0.9045%	2,025
Credit loss provision to net charge-offs	91.9534%	4,371
Earnings coverage of net charge-offs (x)	3.3832%	3,345
Efficiency ratio	60.2181%	6,008
Assets per employee ($millions)	3.6774%	4,531
Cash dividends to net income (ytd only)*	61.9051%	1,262
Condition Ratios (%)
Loss allowance to loans	1.6103%	3,401
Loan loss allowance to noncurrent loans	46.2456%	5,219
Noncurrent assets plus other real estate owned to assets	3.3335%	2,115
Noncurrent loans to loans	3.4821%	2,275
Net loans and leases to total assets	66.5445%	3,729
Net loans and leases to deposits	86.6776%	2,404
Net loans and leases to core deposits	94.1655%	2,691
Total domestic deposits to total assets	76.3612%	6,618
Equity capital to assets	12.7776%	1,659
Core capital (leverage) ratio	9.7411%	3,486
Tier 1 risk-based capital ratio	13.0641%	4,387
Total risk-based capital ratio	15.0465%	3,846
Memoranda:
Average total assets	$9,227,978,330	116
Average earning assets	$8,143,120,000	114
Average equity	$1,151,993,670	107
Average total loans	$6,284,770,000	106
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9518%	5,229
Cost of funding earning assets	0.7318%	7,265
Net interest margin	4.2200%	1,962
Noninterest income to average assets	1.6007%	482
Noninterest expense to average assets	3.2087%	2,823
Loan and lease loss provision to assets	0.6798%	1,872
Net operating income to assets	0.9803%	2,256
Return on assets (ROA)	0.9911%	2,284
Pretax return on assets	1.4490%	1,639
Return on Equity (ROE)	8.0322%	2,870
Retained earnings to average equity (ytd only)	2.7187%	4,505
Net charge-offs to loans	1.0767%	1,552
Credit loss provision to net charge-offs	92.3902%	3,604
Earnings coverage of net charge-offs (x)	2.8717%	3,112
Efficiency ratio	59.5916%	6,247
Assets per employee ($millions)	3.7252%	4,511
Cash dividends to net income (ytd only)*	66.1520%	1,118
Condition Ratios (%)
Loss allowance to loans	1.6075%	3,407
Loan loss allowance to noncurrent loans	45.2115%	5,336
Noncurrent assets plus other real estate owned to assets	3.3952%	2,092
Noncurrent loans to loans	3.5555%	2,245
Net loans and leases to total assets	67.0299%	3,624
Net loans and leases to deposits	87.6415%	2,293
Net loans and leases to core deposits	95.5077%	2,639
Total domestic deposits to total assets	75.9977%	6,758
Equity capital to assets	12.5783%	1,708
Core capital (leverage) ratio	9.4970%	3,777
Tier 1 risk-based capital ratio	12.7015%	4,556
Total risk-based capital ratio	14.6727%	3,995
Memoranda:
Average total assets	$9,280,150,500	116
Average earning assets	$8,182,398,000	111
Average equity	$1,145,097,500	103
Average total loans	$6,341,833,500	103
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1603%	5,832
Cost of funding earning assets	0.9912%	7,223
Net interest margin	4.1692%	2,184
Noninterest income to average assets	1.6189%	552
Noninterest expense to average assets	3.1116%	3,685
Loan and lease loss provision to assets	0.8102%	2,699
Net operating income to assets	0.9454%	2,021
Return on assets (ROA)	0.9846%	1,945
Pretax return on assets	1.4520%	1,312
Return on Equity (ROE)	7.7303%	2,484
Retained earnings to average equity (ytd only)	2.4300%	3,433
Net charge-offs to loans	1.0205%	2,368
Credit loss provision to net charge-offs	112.8323%	4,860
Earnings coverage of net charge-offs (x)	3.0703%	3,532
Efficiency ratio	57.7557%	6,797
Assets per employee ($millions)	3.7873%	4,306
Cash dividends to net income (ytd only)*	68.5652%	1,628
Condition Ratios (%)
Loss allowance to loans	1.5783%	3,363
Loan loss allowance to noncurrent loans	51.7887%	4,919
Noncurrent assets plus other real estate owned to assets	3.0279%	2,307
Noncurrent loans to loans	3.0476%	2,532
Net loans and leases to total assets	67.4631%	3,820
Net loans and leases to deposits	90.0015%	2,217
Net loans and leases to core deposits	105.6680%	3,376
Total domestic deposits to total assets	74.3696%	6,965
Equity capital to assets	12.1060%	1,974
Core capital (leverage) ratio	9.4487%	3,783
Tier 1 risk-based capital ratio	12.2129%	4,754
Total risk-based capital ratio	14.1628%	4,149
Memoranda:
Average total assets	$9,488,804,200	109
Average earning assets	$8,414,767,600	109
Average equity	$1,208,554,800	98
Average total loans	$6,676,476,400	103
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1982%	5,885
Cost of funding earning assets	1.0389%	7,310
Net interest margin	4.1594%	2,179
Noninterest income to average assets	1.6156%	564
Noninterest expense to average assets	3.1189%	3,584
Loan and lease loss provision to assets	0.8325%	2,298
Net operating income to assets	0.9139%	2,373
Return on assets (ROA)	0.9651%	2,232
Pretax return on assets	1.4351%	1,608
Return on Equity (ROE)	7.4858%	2,872
Retained earnings to average equity (ytd only)	2.0905%	4,160
Net charge-offs to loans	1.0131%	1,948
Credit loss provision to net charge-offs	116.0440%	4,375
Earnings coverage of net charge-offs (x)	3.0544%	3,703
Efficiency ratio	57.9606%	6,719
Assets per employee ($millions)	3.6918%	4,444
Cash dividends to net income (ytd only)*	72.0730%	1,203
Condition Ratios (%)
Loss allowance to loans	1.5524%	3,185
Loan loss allowance to noncurrent loans	55.7085%	4,624
Noncurrent assets plus other real estate owned to assets	2.7217%	2,553
Noncurrent loans to loans	2.7867%	2,727
Net loans and leases to total assets	69.3676%	3,640
Net loans and leases to deposits	95.2518%	1,678
Net loans and leases to core deposits	112.7348%	2,955
Total domestic deposits to total assets	72.4103%	7,160
Equity capital to assets	13.4777%	1,510
Core capital (leverage) ratio	10.4104%	2,867
Tier 1 risk-based capital ratio	13.6922%	3,717
Total risk-based capital ratio	15.6440%	3,278
Memoranda:
Average total assets	$9,511,931,750	116
Average earning assets	$8,448,775,250	115
Average equity	$1,226,314,500	102
Average total loans	$6,735,424,500	105
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2037%	6,066
Cost of funding earning assets	1.0872%	7,398
Net interest margin	4.1165%	2,267
Noninterest income to average assets	1.6050%	584
Noninterest expense to average assets	3.1070%	3,674
Loan and lease loss provision to assets	0.9098%	1,856
Net operating income to assets	0.8400%	2,700
Return on assets (ROA)	0.9019%	2,554
Pretax return on assets	1.3388%	1,908
Return on Equity (ROE)	7.0992%	3,166
Retained earnings to average equity (ytd only)	1.6633%	4,414
Net charge-offs to loans	1.0789%	1,676
Credit loss provision to net charge-offs	118.9018%	3,909
Earnings coverage of net charge-offs (x)	2.8180%	3,681
Efficiency ratio	58.2579%	6,823
Assets per employee ($millions)	3.7765%	4,158
Cash dividends to net income (ytd only)*	76.5711%	1,156
Condition Ratios (%)
Loss allowance to loans	1.4807%	3,305
Loan loss allowance to noncurrent loans	59.4805%	4,486
Noncurrent assets plus other real estate owned to assets	2.3370%	2,782
Noncurrent loans to loans	2.4894%	2,913
Net loans and leases to total assets	69.9518%	3,717
Net loans and leases to deposits	94.8270%	1,973
Net loans and leases to core deposits	112.0018%	3,133
Total domestic deposits to total assets	73.3309%	7,062
Equity capital to assets	12.9200%	1,725
Core capital (leverage) ratio	10.0885%	3,201
Tier 1 risk-based capital ratio	13.0890%	4,077
Total risk-based capital ratio	15.0120%	3,584
Memoranda:
Average total assets	$9,601,125,670	119
Average earning assets	$8,532,048,670	118
Average equity	$1,219,776,670	108
Average total loans	$6,809,329,330	108
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2026%	6,284
Cost of funding earning assets	1.1103%	7,500
Net interest margin	4.0923%	2,304
Noninterest income to average assets	1.7672%	440
Noninterest expense to average assets	3.0351%	3,608
Loan and lease loss provision to assets	0.6974%	1,816
Net operating income to assets	1.1036%	1,950
Return on assets (ROA)	1.1044%	2,074
Pretax return on assets	1.6808%	1,214
Return on Equity (ROE)	8.7660%	2,812
Retained earnings to average equity (ytd only)	3.3135%	4,035
Net charge-offs to loans	0.6647%	1,851
Credit loss provision to net charge-offs	148.0341%	2,815
Earnings coverage of net charge-offs (x)	5.0454%	2,759
Efficiency ratio	55.3314%	7,066
Assets per employee ($millions)	3.7985%	4,099
Cash dividends to net income (ytd only)*	62.2003%	1,438
Condition Ratios (%)
Loss allowance to loans	1.4392%	3,295
Loan loss allowance to noncurrent loans	59.8749%	4,606
Noncurrent assets plus other real estate owned to assets	2.1280%	2,709
Noncurrent loans to loans	2.4036%	2,746
Net loans and leases to total assets	69.8267%	3,714
Net loans and leases to deposits	96.0574%	1,934
Net loans and leases to core deposits	114.1821%	2,992
Total domestic deposits to total assets	72.2911%	7,164
Equity capital to assets	12.7144%	1,877
Core capital (leverage) ratio	9.8860%	3,538
Tier 1 risk-based capital ratio	12.9389%	4,218
Total risk-based capital ratio	14.8428%	3,727
Memoranda:
Average total assets	$9,652,748,000	118
Average earning assets	$8,597,417,000	118
Average equity	$1,216,101,000	108
Average total loans	$6,842,096,000	110
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9129%	5,973
Cost of funding earning assets	1.9519%	6,560
Net interest margin	3.9610%	3,304
Noninterest income to average assets	1.9256%	365
Noninterest expense to average assets	3.0646%	3,843
Loan and lease loss provision to assets	0.8353%	1,785
Net operating income to assets	1.0212%	2,469
Return on assets (ROA)	1.0249%	2,336
Pretax return on assets	1.5148%	1,638
Return on Equity (ROE)	9.1005%	2,607
Retained earnings to average equity (ytd only)	2.7141%	3,493
Net charge-offs to loans	0.8804%	1,407
Credit loss provision to net charge-offs	124.4715%	4,303
Earnings coverage of net charge-offs (x)	3.4936%	4,341
Efficiency ratio	55.8135%	7,038
Assets per employee ($millions)	3.7738%	4,017
Cash dividends to net income (ytd only)*	70.1763%	2,170
Condition Ratios (%)
Loss allowance to loans	1.3566%	3,440
Loan loss allowance to noncurrent loans	68.0318%	4,629
Noncurrent assets plus other real estate owned to assets	1.8037%	2,724
Noncurrent loans to loans	1.9941%	2,773
Net loans and leases to total assets	69.9563%	4,025
Net loans and leases to deposits	101.1277%	1,690
Net loans and leases to core deposits	120.9111%	2,609
Total domestic deposits to total assets	68.6907%	7,410
Equity capital to assets	12.4827%	2,021
Core capital (leverage) ratio	10.1342%	3,332
Tier 1 risk-based capital ratio	12.6283%	4,346
Total risk-based capital ratio	14.5225%	3,861
Memoranda:
Average total assets	$9,114,595,400	118
Average earning assets	$8,016,183,200	119
Average equity	$1,026,521,400	114
Average total loans	$6,947,496,000	108