Exhibit 5

Industry Guide 3 — Return on Equity and Assets Ratios

	For the Year-Ended October 2015			For the Year-Ended October 2014			For the Year-Ended October 2013
Return on Assets		0.95	%		0.99	%		0.98	%
Return on Equity		18.6	%		19.0	%		19.7	%
Dividend Payout Ratio		46	%		47	%		46	%
Equity to Asset Ratio		5.57	%		5.74	%		5.50	%

Results are from Consolidated Financial Statements.