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First National Bank of Pana, Performance and Condition Ratios

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2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6217%	2,846
Cost of funding earning assets	0.8835%	3,556
Net interest margin	3.7383%	1,675
Noninterest income to average assets	0.5200%	1,874
Noninterest expense to average assets	2.0330%	3,545
Loan and lease loss provision to assets	0.1000%	1,286
Net operating income to assets	1.7580%	652
Return on assets (ROA)	1.7580%	625
Pretax return on assets	1.8782%	795
Return on Equity (ROE)	17.7500%	851
Retained earnings to average equity (ytd only)	11.4766%	705
Net charge-offs to loans	0.2510%	423
Credit loss provision to net charge-offs	54.7445%	2,175
Earnings coverage of net charge-offs (x)	10.6679%	2,228
Efficiency ratio	49.8692%	3,989
Assets per employee ($millions)	7.1404%	1,981
Cash dividends to net income (ytd only)*	35.3496%	2,328
Condition Ratios (%)
Loss allowance to loans	1.0387%	3,118
Loan loss allowance to noncurrent loans	627.2021%	1,231
Noncurrent assets plus other real estate owned to assets	0.1337%	2,632
Noncurrent loans to loans	0.1656%	2,691
Net loans and leases to total assets	76.9100%	986
Net loans and leases to deposits	86.3231%	1,594
Net loans and leases to core deposits	92.8642%	1,853
Total domestic deposits to total assets	89.1000%	1,036
Equity capital to assets	10.4116%	1,774
Core capital (leverage) ratio	11.2736%	1,779
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,896
Memoranda:
Average total assets	$295,284,600	2,443
Average earning assets	$275,849,400	2,431
Average equity	$29,242,000	2,300
Average total loans	$218,310,800	2,173
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5353%	2,836
Cost of funding earning assets	0.7626%	3,628
Net interest margin	3.7727%	1,653
Noninterest income to average assets	0.5200%	1,861
Noninterest expense to average assets	1.9959%	3,605
Loan and lease loss provision to assets	0.0900%	1,295
Net operating income to assets	1.8390%	614
Return on assets (ROA)	1.8390%	607
Pretax return on assets	1.9646%	788
Return on Equity (ROE)	18.8200%	841
Retained earnings to average equity (ytd only)	10.3198%	1,318
Net charge-offs to loans	0.3342%	265
Credit loss provision to net charge-offs	37.1747%	1,944
Earnings coverage of net charge-offs (x)	8.4275%	2,193
Efficiency ratio	48.5398%	4,014
Assets per employee ($millions)	6.9374%	1,997
Cash dividends to net income (ytd only)*	45.1565%	1,457
Condition Ratios (%)
Loss allowance to loans	1.0247%	3,237
Loan loss allowance to noncurrent loans	494.9045%	1,467
Noncurrent assets plus other real estate owned to assets	0.1666%	2,469
Noncurrent loans to loans	0.2070%	2,526
Net loans and leases to total assets	75.4800%	1,178
Net loans and leases to deposits	87.4513%	1,433
Net loans and leases to core deposits	94.9932%	1,617
Total domestic deposits to total assets	86.3100%	2,099
Equity capital to assets	9.8585%	1,908
Core capital (leverage) ratio	10.6793%	2,247
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,911
Memoranda:
Average total assets	$294,131,500	2,452
Average earning assets	$275,549,500	2,442
Average equity	$28,746,500	2,306
Average total loans	$214,619,000	2,197
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4137%	2,854
Cost of funding earning assets	0.6673%	3,578
Net interest margin	3.7465%	1,725
Noninterest income to average assets	0.4900%	1,926
Noninterest expense to average assets	1.9929%	3,617
Loan and lease loss provision to assets	0.0000%	2,857
Net operating income to assets	1.8802%	581
Return on assets (ROA)	1.8802%	574
Pretax return on assets	2.0073%	736
Return on Equity (ROE)	19.2900%	792
Retained earnings to average equity (ytd only)	9.7316%	1,480
Net charge-offs to loans	0.0399%	1,120
Credit loss provision to net charge-offs	0.0000%	1,862
Earnings coverage of net charge-offs (x)	69.9524%	1,117
Efficiency ratio	49.3595%	3,979
Assets per employee ($millions)	7.3563%	1,699
Cash dividends to net income (ytd only)*	49.5640%	1,303
Condition Ratios (%)
Loss allowance to loans	1.2079%	2,400
Loan loss allowance to noncurrent loans	295.8333%	2,169
Noncurrent assets plus other real estate owned to assets	0.2994%	1,719
Noncurrent loans to loans	0.4083%	1,705
Net loans and leases to total assets	71.2400%	1,614
Net loans and leases to deposits	79.2241%	2,032
Net loans and leases to core deposits	85.5564%	2,105
Total domestic deposits to total assets	89.9200%	940
Equity capital to assets	9.6394%	2,071
Core capital (leverage) ratio	10.2612%	2,510
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,936
Memoranda:
Average total assets	$292,738,667	2,465
Average earning assets	$274,552,333	2,455
Average equity	$28,525,667	2,334
Average total loans	$210,330,667	2,219
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1619%	3,115
Cost of funding earning assets	0.5212%	3,627
Net interest margin	3.6407%	2,032
Noninterest income to average assets	0.4600%	2,027
Noninterest expense to average assets	1.8508%	3,949
Loan and lease loss provision to assets	0.0000%	2,553
Net operating income to assets	1.8952%	579
Return on assets (ROA)	1.8952%	574
Pretax return on assets	2.0256%	741
Return on Equity (ROE)	19.3400%	837
Retained earnings to average equity (ytd only)	13.6203%	991
Net charge-offs to loans	0.0039%	1,847
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	730.0000%	160
Efficiency ratio	47.2799%	4,137
Assets per employee ($millions)	7.3979%	1,683
Cash dividends to net income (ytd only)*	29.5754%	1,750
Condition Ratios (%)
Loss allowance to loans	1.2837%	2,115
Loan loss allowance to noncurrent loans	137.7583%	3,064
Noncurrent assets plus other real estate owned to assets	0.6593%	750
Noncurrent loans to loans	0.9318%	808
Net loans and leases to total assets	69.3100%	1,689
Net loans and leases to deposits	77.0369%	2,036
Net loans and leases to core deposits	82.5244%	2,089
Total domestic deposits to total assets	89.9700%	1,166
Equity capital to assets	9.7075%	1,990
Core capital (leverage) ratio	10.7501%	2,024
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,020
Memoranda:
Average total assets	$288,304,500	2,523
Average earning assets	$270,933,500	2,501
Average equity	$28,252,000	2,376
Average total loans	$206,751,000	2,257
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4144%	2,877
Cost of funding earning assets	0.2610%	2,594
Net interest margin	3.1534%	2,767
Noninterest income to average assets	0.5900%	1,743
Noninterest expense to average assets	1.8712%	3,816
Loan and lease loss provision to assets	0.0700%	1,430
Net operating income to assets	1.4698%	911
Return on assets (ROA)	1.4698%	893
Pretax return on assets	1.6055%	1,106
Return on Equity (ROE)	15.1400%	1,141
Retained earnings to average equity (ytd only)	8.7628%	1,738
Net charge-offs to loans	0.0070%	1,895
Credit loss provision to net charge-offs	1,500.0000%	302
Earnings coverage of net charge-offs (x)	345.0000%	430
Efficiency ratio	52.1656%	3,993
Assets per employee ($millions)	6.6535%	2,197
Cash dividends to net income (ytd only)*	42.1384%	1,492
Condition Ratios (%)
Loss allowance to loans	1.2428%	2,303
Loan loss allowance to noncurrent loans	166.2557%	2,905
Noncurrent assets plus other real estate owned to assets	0.5568%	958
Noncurrent loans to loans	0.7476%	1,088
Net loans and leases to total assets	72.8500%	1,195
Net loans and leases to deposits	80.8045%	1,535
Net loans and leases to core deposits	84.6549%	1,606
Total domestic deposits to total assets	90.1600%	1,589
Equity capital to assets	9.4701%	1,902
Core capital (leverage) ratio	10.4329%	2,175
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,120
Memoranda:
Average total assets	$274,044,500	2,600
Average earning assets	$257,492,750	2,587
Average equity	$26,596,750	2,538
Average total loans	$191,671,500	2,292
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2770%	2,809
Cost of funding earning assets	0.2553%	2,191
Net interest margin	3.0217%	2,821
Noninterest income to average assets	0.6156%	1,678
Noninterest expense to average assets	1.8329%	3,882
Loan and lease loss provision to assets	0.0367%	1,928
Net operating income to assets	1.4384%	817
Return on assets (ROA)	1.4384%	800
Pretax return on assets	1.5898%	964
Return on Equity (ROE)	14.6991%	957
Retained earnings to average equity (ytd only)	7.5297%	1,802
Net charge-offs to loans	0.0000%	2,156
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	52.4103%	4,093
Assets per employee ($millions)	7.0062%	1,933
Cash dividends to net income (ytd only)*	48.7743%	1,385
Condition Ratios (%)
Loss allowance to loans	1.2462%	2,445
Loan loss allowance to noncurrent loans	149.4559%	3,023
Noncurrent assets plus other real estate owned to assets	0.6108%	911
Noncurrent loans to loans	0.8338%	1,023
Net loans and leases to total assets	71.6925%	1,140
Net loans and leases to deposits	79.5370%	1,417
Net loans and leases to core deposits	82.6017%	1,552
Total domestic deposits to total assets	90.1373%	1,656
Equity capital to assets	9.5212%	2,000
Core capital (leverage) ratio	10.0991%	2,282
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$272,243,000	2,633
Average earning assets	$256,212,667	2,621
Average equity	$26,641,000	2,599
Average total loans	$186,848,667	2,333
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1144%	2,938
Cost of funding earning assets	0.2546%	2,108
Net interest margin	2.8598%	2,960
Noninterest income to average assets	0.7154%	1,264
Noninterest expense to average assets	1.7723%	4,009
Loan and lease loss provision to assets	0.0000%	2,285
Net operating income to assets	1.5323%	588
Return on assets (ROA)	1.5323%	582
Pretax return on assets	1.6383%	775
Return on Equity (ROE)	15.4488%	592
Retained earnings to average equity (ytd only)	10.7147%	841
Net charge-offs to loans	0.0022%	1,740
Credit loss provision to net charge-offs	0.0000%	1,336
Earnings coverage of net charge-offs (x)	1,113.0000%	72
Efficiency ratio	51.4027%	4,230
Assets per employee ($millions)	7.2557%	1,818
Cash dividends to net income (ytd only)*	30.6436%	1,742
Condition Ratios (%)
Loss allowance to loans	1.2644%	2,527
Loan loss allowance to noncurrent loans	149.4444%	2,979
Noncurrent assets plus other real estate owned to assets	0.5778%	1,026
Noncurrent loans to loans	0.8460%	1,106
Net loans and leases to total assets	66.8121%	1,327
Net loans and leases to deposits	75.5061%	1,490
Net loans and leases to core deposits	78.2626%	1,593
Total domestic deposits to total assets	88.4857%	2,302
Equity capital to assets	9.4582%	2,319
Core capital (leverage) ratio	9.8957%	2,390
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$271,743,500	2,651
Average earning assets	$256,103,500	2,642
Average equity	$26,953,500	2,658
Average total loans	$181,090,000	2,372
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7680%	1,946
Cost of funding earning assets	0.3078%	2,325
Net interest margin	3.4602%	1,851
Noninterest income to average assets	0.6076%	2,123
Noninterest expense to average assets	1.9928%	3,694
Loan and lease loss provision to assets	0.1326%	921
Net operating income to assets	1.6787%	665
Return on assets (ROA)	1.6787%	694
Pretax return on assets	1.7386%	1,047
Return on Equity (ROE)	15.9799%	766
Retained earnings to average equity (ytd only)	11.0547%	692
Net charge-offs to loans	-0.0103%	3,748
Credit loss provision to net charge-offs	-1,911.7647%	4,046
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	51.0032%	4,204
Assets per employee ($millions)	6.6799%	2,174
Cash dividends to net income (ytd only)*	30.8216%	2,512
Condition Ratios (%)
Loss allowance to loans	1.4189%	1,847
Loan loss allowance to noncurrent loans	155.0576%	2,923
Noncurrent assets plus other real estate owned to assets	0.6053%	1,089
Noncurrent loans to loans	0.9151%	1,105
Net loans and leases to total assets	64.5941%	1,639
Net loans and leases to deposits	74.0517%	1,722
Net loans and leases to core deposits	76.9250%	1,846
Total domestic deposits to total assets	87.2284%	2,421
Equity capital to assets	10.4189%	2,245
Core capital (leverage) ratio	10.5619%	1,867
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$245,077,400	2,766
Average earning assets	$230,653,000	2,740
Average equity	$25,744,800	2,797
Average total loans	$165,322,000	2,508
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6223%	2,495
Cost of funding earning assets	0.3190%	2,409
Net interest margin	3.3033%	2,403
Noninterest income to average assets	0.6135%	2,156
Noninterest expense to average assets	1.9335%	3,854
Loan and lease loss provision to assets	0.0829%	1,430
Net operating income to assets	1.6853%	856
Return on assets (ROA)	1.6853%	900
Pretax return on assets	1.7107%	1,382
Return on Equity (ROE)	16.0078%	949
Retained earnings to average equity (ytd only)	9.3401%	1,557
Net charge-offs to loans	-0.0098%	3,664
Credit loss provision to net charge-offs	-1,250.0000%	3,902
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	51.2828%	4,100
Assets per employee ($millions)	6.2171%	2,483
Cash dividends to net income (ytd only)*	41.6530%	1,546
Condition Ratios (%)
Loss allowance to loans	1.3374%	2,290
Loan loss allowance to noncurrent loans	140.1250%	3,000
Noncurrent assets plus other real estate owned to assets	0.6494%	1,160
Noncurrent loans to loans	0.9544%	1,206
Net loans and leases to total assets	66.5077%	1,482
Net loans and leases to deposits	76.6167%	1,609
Net loans and leases to core deposits	79.6036%	1,770
Total domestic deposits to total assets	86.8057%	2,428
Equity capital to assets	10.5849%	2,386
Core capital (leverage) ratio	10.6796%	1,901
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$241,217,750	2,807
Average earning assets	$227,362,750	2,782
Average equity	$25,395,250	2,850
Average total loans	$163,977,500	2,554
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5494%	2,776
Cost of funding earning assets	0.3346%	2,451
Net interest margin	3.2148%	2,712
Noninterest income to average assets	0.5127%	2,573
Noninterest expense to average assets	1.9026%	3,957
Loan and lease loss provision to assets	0.0838%	1,463
Net operating income to assets	1.5298%	1,216
Return on assets (ROA)	1.5298%	1,282
Pretax return on assets	1.5532%	1,864
Return on Equity (ROE)	14.5579%	1,267
Retained earnings to average equity (ytd only)	6.9521%	2,449
Net charge-offs to loans	-0.0123%	3,756
Credit loss provision to net charge-offs	-1,000.0000%	3,647
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	53.1124%	3,917
Assets per employee ($millions)	6.3334%	2,303
Cash dividends to net income (ytd only)*	52.2453%	1,158
Condition Ratios (%)
Loss allowance to loans	1.3275%	2,306
Loan loss allowance to noncurrent loans	146.9799%	2,902
Noncurrent assets plus other real estate owned to assets	0.6253%	1,324
Noncurrent loans to loans	0.9032%	1,372
Net loans and leases to total assets	67.6392%	1,495
Net loans and leases to deposits	78.0221%	1,623
Net loans and leases to core deposits	81.1022%	1,787
Total domestic deposits to total assets	86.6925%	2,477
Equity capital to assets	10.5776%	2,331
Core capital (leverage) ratio	10.2398%	2,176
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$238,729,000	2,817
Average earning assets	$224,773,333	2,797
Average equity	$25,086,000	2,873
Average total loans	$162,758,000	2,574
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5619%	2,754
Cost of funding earning assets	0.3614%	2,432
Net interest margin	3.2006%	2,695
Noninterest income to average assets	0.4963%	2,627
Noninterest expense to average assets	1.8691%	4,057
Loan and lease loss provision to assets	0.0841%	1,550
Net operating income to assets	1.5293%	1,269
Return on assets (ROA)	1.5293%	1,331
Pretax return on assets	1.5528%	1,849
Return on Equity (ROE)	14.6021%	1,299
Retained earnings to average equity (ytd only)	9.5580%	1,782
Net charge-offs to loans	-0.0099%	3,661
Credit loss provision to net charge-offs	-1,250.0000%	3,414
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	52.6871%	3,940
Assets per employee ($millions)	6.4201%	2,238
Cash dividends to net income (ytd only)*	34.5435%	1,577
Condition Ratios (%)
Loss allowance to loans	1.3167%	2,363
Loan loss allowance to noncurrent loans	143.8005%	2,837
Noncurrent assets plus other real estate owned to assets	0.6144%	1,549
Noncurrent loans to loans	0.9157%	1,477
Net loans and leases to total assets	65.5565%	1,855
Net loans and leases to deposits	74.9124%	2,029
Net loans and leases to core deposits	77.6708%	2,213
Total domestic deposits to total assets	87.5109%	2,081
Equity capital to assets	10.2810%	2,448
Core capital (leverage) ratio	10.3129%	2,243
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$237,759,500	2,815
Average earning assets	$223,586,000	2,787
Average equity	$24,900,500	2,879
Average total loans	$161,649,000	2,581
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9560%	2,863
Cost of funding earning assets	0.5492%	2,618
Net interest margin	3.4068%	2,757
Noninterest income to average assets	0.5332%	2,496
Noninterest expense to average assets	2.2002%	3,664
Loan and lease loss provision to assets	0.0950%	3,156
Net operating income to assets	1.4006%	1,019
Return on assets (ROA)	1.4119%	1,079
Pretax return on assets	1.4332%	1,560
Return on Equity (ROE)	12.5772%	1,157
Retained earnings to average equity (ytd only)	7.1924%	1,325
Net charge-offs to loans	0.0073%	3,075
Credit loss provision to net charge-offs	1,818.1818%	472
Earnings coverage of net charge-offs (x)	290.1818%	352
Efficiency ratio	58.5017%	3,657
Assets per employee ($millions)	5.9373%	2,396
Cash dividends to net income (ytd only)*	42.8139%	2,207
Condition Ratios (%)
Loss allowance to loans	1.2901%	2,462
Loan loss allowance to noncurrent loans	139.5973%	2,897
Noncurrent assets plus other real estate owned to assets	0.6599%	1,589
Noncurrent loans to loans	0.9242%	1,521
Net loans and leases to total assets	68.7308%	1,730
Net loans and leases to deposits	78.9261%	1,982
Net loans and leases to core deposits	82.4508%	2,160
Total domestic deposits to total assets	87.0825%	1,899
Equity capital to assets	10.6753%	2,541
Core capital (leverage) ratio	10.6753%	2,029
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$210,431,000	2,858
Average earning assets	$196,665,000	2,859
Average equity	$23,622,200	2,899
Average total loans	$149,950,800	2,663
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0242%	2,904
Cost of funding earning assets	0.5786%	2,748
Net interest margin	3.4457%	2,765
Noninterest income to average assets	0.5524%	2,381
Noninterest expense to average assets	2.2292%	3,609
Loan and lease loss provision to assets	0.0975%	3,104
Net operating income to assets	1.4243%	1,048
Return on assets (ROA)	1.4396%	1,104
Pretax return on assets	1.4617%	1,542
Return on Equity (ROE)	12.6489%	1,203
Retained earnings to average equity (ytd only)	5.3736%	2,394
Net charge-offs to loans	0.0145%	2,601
Credit loss provision to net charge-offs	937.5000%	874
Earnings coverage of net charge-offs (x)	148.4375%	607
Efficiency ratio	58.3979%	3,612
Assets per employee ($millions)	5.9296%	2,327
Cash dividends to net income (ytd only)*	57.5169%	1,203
Condition Ratios (%)
Loss allowance to loans	1.2929%	2,185
Loan loss allowance to noncurrent loans	138.9842%	2,825
Noncurrent assets plus other real estate owned to assets	0.6697%	1,720
Noncurrent loans to loans	0.9303%	1,608
Net loans and leases to total assets	68.6114%	2,160
Net loans and leases to deposits	78.9410%	2,431
Net loans and leases to core deposits	82.5571%	2,616
Total domestic deposits to total assets	86.9148%	1,708
Equity capital to assets	10.6544%	2,670
Core capital (leverage) ratio	10.6075%	2,182
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$205,150,250	2,881
Average earning assets	$191,734,500	2,876
Average equity	$23,348,000	2,914
Average total loans	$147,131,250	2,692
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1489%	2,911
Cost of funding earning assets	0.5916%	3,007
Net interest margin	3.5573%	2,618
Noninterest income to average assets	0.5604%	2,298
Noninterest expense to average assets	2.1902%	3,812
Loan and lease loss provision to assets	0.1008%	3,012
Net operating income to assets	1.5603%	828
Return on assets (ROA)	1.5603%	898
Pretax return on assets	1.5845%	1,263
Return on Equity (ROE)	13.3862%	1,011
Retained earnings to average equity (ytd only)	5.1279%	2,413
Net charge-offs to loans	-0.0264%	4,496
Credit loss provision to net charge-offs	-526.3158%	3,628
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	55.8127%	3,965
Assets per employee ($millions)	6.3860%	1,870
Cash dividends to net income (ytd only)*	61.6925%	1,192
Condition Ratios (%)
Loss allowance to loans	1.3080%	1,964
Loan loss allowance to noncurrent loans	138.7164%	2,721
Noncurrent assets plus other real estate owned to assets	0.6947%	1,765
Noncurrent loans to loans	0.9430%	1,639
Net loans and leases to total assets	71.9633%	1,711
Net loans and leases to deposits	83.5150%	2,045
Net loans and leases to core deposits	86.7685%	2,377
Total domestic deposits to total assets	86.1681%	1,938
Equity capital to assets	11.2144%	2,171
Core capital (leverage) ratio	10.8871%	2,053
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$198,425,667	2,915
Average earning assets	$184,918,000	2,914
Average equity	$23,128,333	2,921
Average total loans	$143,967,333	2,711
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4939%	2,326
Cost of funding earning assets	0.6099%	3,383
Net interest margin	3.8839%	1,722
Noninterest income to average assets	0.6012%	2,036
Noninterest expense to average assets	2.3259%	3,711
Loan and lease loss provision to assets	0.1040%	2,381
Net operating income to assets	1.7475%	459
Return on assets (ROA)	1.7475%	503
Pretax return on assets	1.7746%	740
Return on Equity (ROE)	14.6879%	590
Retained earnings to average equity (ytd only)	9.1275%	940
Net charge-offs to loans	0.0230%	1,906
Credit loss provision to net charge-offs	625.0000%	771
Earnings coverage of net charge-offs (x)	112.8750%	530
Efficiency ratio	54.6759%	4,335
Assets per employee ($millions)	5.3915%	2,236
Cash dividends to net income (ytd only)*	37.8571%	1,931
Condition Ratios (%)
Loss allowance to loans	1.3688%	1,814
Loan loss allowance to noncurrent loans	127.4225%	2,844
Noncurrent assets plus other real estate owned to assets	0.7893%	1,718
Noncurrent loans to loans	1.0742%	1,549
Net loans and leases to total assets	71.7606%	1,955
Net loans and leases to deposits	84.3036%	2,190
Net loans and leases to core deposits	87.9206%	2,525
Total domestic deposits to total assets	85.1216%	2,368
Equity capital to assets	11.9452%	2,110
Core capital (leverage) ratio	11.9340%	1,781
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$192,269,500	2,930
Average earning assets	$178,376,500	2,939
Average equity	$22,876,000	2,935
Average total loans	$139,119,000	2,734
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3280%	3,463
Cost of funding earning assets	0.6166%	3,573
Net interest margin	3.7114%	2,783
Noninterest income to average assets	0.5885%	2,277
Noninterest expense to average assets	2.3937%	3,701
Loan and lease loss provision to assets	0.0760%	2,473
Net operating income to assets	1.5299%	990
Return on assets (ROA)	1.5299%	1,044
Pretax return on assets	1.5533%	1,640
Return on Equity (ROE)	13.0750%	1,146
Retained earnings to average equity (ytd only)	7.1731%	1,322
Net charge-offs to loans	-0.0340%	4,739
Credit loss provision to net charge-offs	-304.3478%	4,357
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	58.7719%	3,871
Assets per employee ($millions)	5.0117%	2,579
Cash dividends to net income (ytd only)*	45.1384%	2,322
Condition Ratios (%)
Loss allowance to loans	1.3801%	1,593
Loan loss allowance to noncurrent loans	91.5738%	3,410
Noncurrent assets plus other real estate owned to assets	1.0922%	1,122
Noncurrent loans to loans	1.5071%	954
Net loans and leases to total assets	70.9554%	2,256
Net loans and leases to deposits	80.9047%	2,672
Net loans and leases to core deposits	84.0906%	2,939
Total domestic deposits to total assets	87.7025%	1,271
Equity capital to assets	11.8496%	2,238
Core capital (leverage) ratio	11.7805%	1,904
Tier 1 risk-based capital ratio	16.0665%	2,385
Total risk-based capital ratio	17.3179%	2,328
Memoranda:
Average total assets	$184,193,800	2,969
Average earning assets	$170,446,600	2,981
Average equity	$21,552,600	3,000
Average total loans	$135,221,000	2,776
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3530%	3,506
Cost of funding earning assets	0.6127%	3,631
Net interest margin	3.7403%	2,788
Noninterest income to average assets	0.5899%	2,262
Noninterest expense to average assets	2.4114%	3,651
Loan and lease loss provision to assets	0.0767%	2,361
Net operating income to assets	1.5411%	1,085
Return on assets (ROA)	1.5411%	1,138
Pretax return on assets	1.5645%	1,768
Return on Equity (ROE)	13.2147%	1,198
Retained earnings to average equity (ytd only)	5.2458%	2,760
Net charge-offs to loans	-0.0445%	4,806
Credit loss provision to net charge-offs	-233.3333%	4,191
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	58.7822%	3,828
Assets per employee ($millions)	4.8092%	2,779
Cash dividends to net income (ytd only)*	60.3031%	1,273
Condition Ratios (%)
Loss allowance to loans	1.3872%	1,627
Loan loss allowance to noncurrent loans	287.5969%	1,578
Noncurrent assets plus other real estate owned to assets	0.3519%	3,096
Noncurrent loans to loans	0.4823%	2,851
Net loans and leases to total assets	70.3077%	2,425
Net loans and leases to deposits	80.0387%	2,892
Net loans and leases to core deposits	83.5156%	3,137
Total domestic deposits to total assets	87.8421%	1,108
Equity capital to assets	11.6695%	2,541
Core capital (leverage) ratio	11.6920%	2,086
Tier 1 risk-based capital ratio	16.3640%	2,312
Total risk-based capital ratio	17.6156%	2,243
Memoranda:
Average total assets	$182,631,000	3,015
Average earning assets	$169,075,000	3,026
Average equity	$21,299,000	3,041
Average total loans	$134,770,750	2,806
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3526%	3,481
Cost of funding earning assets	0.6032%	3,635
Net interest margin	3.7494%	2,757
Noninterest income to average assets	0.5481%	2,395
Noninterest expense to average assets	2.3913%	3,757
Loan and lease loss provision to assets	0.0774%	2,264
Net operating income to assets	1.5250%	1,076
Return on assets (ROA)	1.5250%	1,126
Pretax return on assets	1.5482%	1,706
Return on Equity (ROE)	13.0787%	1,213
Retained earnings to average equity (ytd only)	4.0468%	3,220
Net charge-offs to loans	-0.0607%	4,876
Credit loss provision to net charge-offs	-170.7317%	3,966
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	58.7895%	3,896
Assets per employee ($millions)	4.6102%	2,994
Cash dividends to net income (ytd only)*	69.0580%	1,134
Condition Ratios (%)
Loss allowance to loans	1.3660%	1,758
Loan loss allowance to noncurrent loans	295.2846%	1,599
Noncurrent assets plus other real estate owned to assets	0.3731%	3,019
Noncurrent loans to loans	0.4626%	2,895
Net loans and leases to total assets	71.1092%	2,360
Net loans and leases to deposits	80.9166%	2,851
Net loans and leases to core deposits	84.1106%	3,101
Total domestic deposits to total assets	87.8796%	1,155
Equity capital to assets	11.6383%	2,495
Core capital (leverage) ratio	11.5989%	2,093
Tier 1 risk-based capital ratio	15.8657%	2,468
Total risk-based capital ratio	17.1167%	2,411
Memoranda:
Average total assets	$180,989,000	3,043
Average earning assets	$167,438,330	3,054
Average equity	$21,103,000	3,052
Average total loans	$135,120,330	2,813
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3536%	3,390
Cost of funding earning assets	0.5957%	3,600
Net interest margin	3.7579%	2,677
Noninterest income to average assets	0.5422%	2,332
Noninterest expense to average assets	2.3896%	3,792
Loan and lease loss provision to assets	0.0781%	2,124
Net operating income to assets	1.5150%	1,077
Return on assets (ROA)	1.5150%	1,106
Pretax return on assets	1.5373%	1,653
Return on Equity (ROE)	12.9806%	1,222
Retained earnings to average equity (ytd only)	6.9587%	2,060
Net charge-offs to loans	-0.1997%	5,171
Credit loss provision to net charge-offs	-51.4706%	3,492
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	58.9415%	3,965
Assets per employee ($millions)	4.9532%	2,586
Cash dividends to net income (ytd only)*	46.3918%	1,723
Condition Ratios (%)
Loss allowance to loans	1.3263%	1,973
Loan loss allowance to noncurrent loans	265.8824%	1,739
Noncurrent assets plus other real estate owned to assets	0.3710%	3,107
Noncurrent loans to loans	0.4988%	2,816
Net loans and leases to total assets	73.3943%	1,914
Net loans and leases to deposits	83.2930%	2,468
Net loans and leases to core deposits	86.5901%	2,818
Total domestic deposits to total assets	88.1158%	1,275
Equity capital to assets	11.5393%	2,362
Core capital (leverage) ratio	11.7358%	1,949
Tier 1 risk-based capital ratio	15.3968%	2,706
Total risk-based capital ratio	16.6479%	2,619
Memoranda:
Average total assets	$179,279,500	3,096
Average earning assets	$165,196,500	3,114
Average equity	$20,923,500	3,076
Average total loans	$136,207,000	2,839
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3314%	2,999
Cost of funding earning assets	0.4554%	3,644
Net interest margin	3.8760%	2,409
Noninterest income to average assets	0.6393%	2,101
Noninterest expense to average assets	2.4242%	3,820
Loan and lease loss provision to assets	0.1171%	1,876
Net operating income to assets	1.6626%	751
Return on assets (ROA)	1.6626%	748
Pretax return on assets	1.6866%	1,200
Return on Equity (ROE)	14.7381%	889
Retained earnings to average equity (ytd only)	8.2148%	1,151
Net charge-offs to loans	0.1584%	1,215
Credit loss provision to net charge-offs	99.5146%	2,573
Earnings coverage of net charge-offs (x)	15.3252%	2,331
Efficiency ratio	56.6081%	4,329
Assets per employee ($millions)	4.8692%	2,653
Cash dividends to net income (ytd only)*	44.2612%	2,287
Condition Ratios (%)
Loss allowance to loans	1.2528%	2,284
Loan loss allowance to noncurrent loans	223.7533%	2,060
Noncurrent assets plus other real estate owned to assets	0.4347%	2,828
Noncurrent loans to loans	0.5599%	2,594
Net loans and leases to total assets	76.6684%	1,490
Net loans and leases to deposits	87.7954%	2,066
Net loans and leases to core deposits	90.1198%	2,567
Total domestic deposits to total assets	87.3261%	1,630
Equity capital to assets	11.8084%	2,026
Core capital (leverage) ratio	11.8295%	1,850
Tier 1 risk-based capital ratio	15.1120%	2,779
Total risk-based capital ratio	16.3499%	2,720
Memoranda:
Average total assets	$175,025,200	3,112
Average earning assets	$162,050,200	3,122
Average equity	$19,744,800	3,108
Average total loans	$130,053,400	2,877
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2354%	3,189
Cost of funding earning assets	0.4102%	3,788
Net interest margin	3.8252%	2,546
Noninterest income to average assets	0.6561%	2,042
Noninterest expense to average assets	2.4196%	3,806
Loan and lease loss provision to assets	0.0800%	2,357
Net operating income to assets	1.6849%	774
Return on assets (ROA)	1.6849%	775
Pretax return on assets	1.7101%	1,258
Return on Equity (ROE)	15.1127%	849
Retained earnings to average equity (ytd only)	6.3090%	2,487
Net charge-offs to loans	0.2230%	763
Credit loss provision to net charge-offs	48.8372%	2,841
Earnings coverage of net charge-offs (x)	10.9256%	2,558
Efficiency ratio	56.7524%	4,284
Assets per employee ($millions)	5.0607%	2,395
Cash dividends to net income (ytd only)*	58.2541%	1,270
Condition Ratios (%)
Loss allowance to loans	1.2012%	2,616
Loan loss allowance to noncurrent loans	215.6757%	2,131
Noncurrent assets plus other real estate owned to assets	0.4178%	3,021
Noncurrent loans to loans	0.5570%	2,714
Net loans and leases to total assets	74.1115%	1,963
Net loans and leases to deposits	86.6572%	2,299
Net loans and leases to core deposits	88.9749%	2,747
Total domestic deposits to total assets	85.5227%	2,387
Equity capital to assets	11.1752%	2,501
Core capital (leverage) ratio	11.6351%	2,056
Tier 1 risk-based capital ratio	15.0992%	2,839
Total risk-based capital ratio	16.2979%	2,786
Memoranda:
Average total assets	$174,959,000	3,138
Average earning assets	$162,532,250	3,132
Average equity	$19,506,250	3,154
Average total loans	$128,542,500	2,915
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1966%	3,122
Cost of funding earning assets	0.3782%	3,883
Net interest margin	3.8183%	2,510
Noninterest income to average assets	0.6566%	2,057
Noninterest expense to average assets	2.4277%	3,832
Loan and lease loss provision to assets	0.0804%	2,302
Net operating income to assets	1.6690%	771
Return on assets (ROA)	1.6690%	780
Pretax return on assets	1.6942%	1,226
Return on Equity (ROE)	14.9817%	855
Retained earnings to average equity (ytd only)	5.3374%	2,915
Net charge-offs to loans	0.2974%	537
Credit loss provision to net charge-offs	37.0370%	2,586
Earnings coverage of net charge-offs (x)	8.1799%	2,497
Efficiency ratio	57.0336%	4,355
Assets per employee ($millions)	4.7240%	2,788
Cash dividends to net income (ytd only)*	64.3741%	1,167
Condition Ratios (%)
Loss allowance to loans	1.2208%	2,597
Loan loss allowance to noncurrent loans	182.6237%	2,424
Noncurrent assets plus other real estate owned to assets	0.4972%	2,772
Noncurrent loans to loans	0.6685%	2,437
Net loans and leases to total assets	73.4651%	2,041
Net loans and leases to deposits	83.0465%	2,646
Net loans and leases to core deposits	84.9187%	3,016
Total domestic deposits to total assets	88.4627%	1,161
Equity capital to assets	11.1586%	2,496
Core capital (leverage) ratio	11.4417%	2,119
Tier 1 risk-based capital ratio	15.0229%	2,865
Total risk-based capital ratio	16.2341%	2,805
Memoranda:
Average total assets	$174,237,000	3,166
Average earning assets	$161,798,000	3,166
Average equity	$19,410,330	3,179
Average total loans	$127,101,330	2,946
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1662%	3,006
Cost of funding earning assets	0.3720%	3,811
Net interest margin	3.7942%	2,451
Noninterest income to average assets	0.6875%	1,887
Noninterest expense to average assets	2.4143%	3,906
Loan and lease loss provision to assets	0.0000%	3,508
Net operating income to assets	1.7659%	598
Return on assets (ROA)	1.7659%	605
Pretax return on assets	1.7912%	930
Return on Equity (ROE)	15.8649%	649
Retained earnings to average equity (ytd only)	9.2339%	1,384
Net charge-offs to loans	0.0096%	2,402
Credit loss provision to net charge-offs	0.0000%	2,201
Earnings coverage of net charge-offs (x)	259.6667%	262
Efficiency ratio	56.6976%	4,496
Assets per employee ($millions)	4.0763%	3,840
Cash dividends to net income (ytd only)*	41.7969%	1,780
Condition Ratios (%)
Loss allowance to loans	1.3464%	2,036
Loan loss allowance to noncurrent loans	209.9877%	2,156
Noncurrent assets plus other real estate owned to assets	0.4627%	2,995
Noncurrent loans to loans	0.6412%	2,618
Net loans and leases to total assets	71.1878%	2,303
Net loans and leases to deposits	80.3418%	2,771
Net loans and leases to core deposits	81.4680%	3,190
Total domestic deposits to total assets	88.6062%	1,305
Equity capital to assets	11.1211%	2,459
Core capital (leverage) ratio	11.2420%	2,214
Tier 1 risk-based capital ratio	15.2758%	2,751
Total risk-based capital ratio	16.5264%	2,687
Memoranda:
Average total assets	$173,961,000	3,202
Average earning assets	$161,299,500	3,200
Average equity	$19,363,500	3,212
Average total loans	$125,654,000	2,992
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0471%	3,253
Cost of funding earning assets	0.3965%	3,288
Net interest margin	3.6505%	2,985
Noninterest income to average assets	0.6612%	2,134
Noninterest expense to average assets	2.5161%	3,726
Loan and lease loss provision to assets	0.1285%	1,782
Net operating income to assets	1.3651%	1,085
Return on assets (ROA)	1.3668%	1,102
Pretax return on assets	1.3874%	2,033
Return on Equity (ROE)	12.9595%	959
Retained earnings to average equity (ytd only)	6.6151%	1,223
Net charge-offs to loans	0.0923%	2,158
Credit loss provision to net charge-offs	204.5455%	1,336
Earnings coverage of net charge-offs (x)	24.1091%	1,772
Efficiency ratio	61.6660%	3,992
Assets per employee ($millions)	3.6732%	4,478
Cash dividends to net income (ytd only)*	48.9557%	2,361
Condition Ratios (%)
Loss allowance to loans	1.3667%	1,898
Loan loss allowance to noncurrent loans	233.6986%	2,030
Noncurrent assets plus other real estate owned to assets	0.4228%	3,175
Noncurrent loans to loans	0.5848%	2,755
Net loans and leases to total assets	71.3158%	2,336
Net loans and leases to deposits	80.6161%	2,854
Net loans and leases to core deposits	81.4018%	3,296
Total domestic deposits to total assets	88.4634%	1,267
Equity capital to assets	11.1410%	2,495
Core capital (leverage) ratio	11.1159%	2,234
Tier 1 risk-based capital ratio	15.3635%	2,677
Total risk-based capital ratio	16.6151%	2,615
Memoranda:
Average total assets	$175,148,800	3,175
Average earning assets	$161,647,400	3,180
Average equity	$18,473,000	3,305
Average total loans	$119,208,800	3,068
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9883%	3,397
Cost of funding earning assets	0.3962%	3,239
Net interest margin	3.5921%	3,184
Noninterest income to average assets	0.6857%	2,058
Noninterest expense to average assets	2.5054%	3,709
Loan and lease loss provision to assets	0.1707%	1,181
Net operating income to assets	1.3047%	1,315
Return on assets (ROA)	1.3069%	1,345
Pretax return on assets	1.3267%	2,376
Return on Equity (ROE)	12.5653%	1,163
Retained earnings to average equity (ytd only)	4.0183%	3,531
Net charge-offs to loans	0.0736%	2,080
Credit loss provision to net charge-offs	346.1538%	872
Earnings coverage of net charge-offs (x)	30.3246%	1,539
Efficiency ratio	61.8695%	3,905
Assets per employee ($millions)	3.7257%	4,412
Cash dividends to net income (ytd only)*	68.0209%	1,041
Condition Ratios (%)
Loss allowance to loans	1.3941%	1,916
Loan loss allowance to noncurrent loans	213.0170%	2,131
Noncurrent assets plus other real estate owned to assets	0.5048%	3,050
Noncurrent loans to loans	0.6545%	2,745
Net loans and leases to total assets	70.7257%	2,455
Net loans and leases to deposits	80.8628%	2,888
Net loans and leases to core deposits	81.8028%	3,307
Total domestic deposits to total assets	87.4638%	1,637
Equity capital to assets	10.6688%	3,195
Core capital (leverage) ratio	10.6399%	2,835
Tier 1 risk-based capital ratio	14.7454%	3,037
Total risk-based capital ratio	15.9968%	2,971
Memoranda:
Average total assets	$175,775,500	3,201
Average earning assets	$162,202,250	3,200
Average equity	$18,282,750	3,359
Average total loans	$117,804,250	3,112
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9264%	3,461
Cost of funding earning assets	0.3984%	3,092
Net interest margin	3.5280%	3,302
Noninterest income to average assets	0.6443%	2,230
Noninterest expense to average assets	2.5137%	3,705
Loan and lease loss provision to assets	0.1705%	1,149
Net operating income to assets	1.1921%	1,621
Return on assets (ROA)	1.1921%	1,655
Pretax return on assets	1.2102%	2,732
Return on Equity (ROE)	11.5594%	1,441
Retained earnings to average equity (ytd only)	2.1488%	4,394
Net charge-offs to loans	-0.0469%	5,148
Credit loss provision to net charge-offs	-555.5556%	4,693
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	63.7584%	3,708
Assets per employee ($millions)	3.8887%	4,144
Cash dividends to net income (ytd only)*	81.4109%	822
Condition Ratios (%)
Loss allowance to loans	1.4950%	1,588
Loan loss allowance to noncurrent loans	178.9474%	2,450
Noncurrent assets plus other real estate owned to assets	0.5646%	2,878
Noncurrent loans to loans	0.8354%	2,316
Net loans and leases to total assets	66.5722%	3,023
Net loans and leases to deposits	75.1776%	3,438
Net loans and leases to core deposits	76.1701%	3,755
Total domestic deposits to total assets	88.5532%	1,173
Equity capital to assets	10.4959%	3,348
Core capital (leverage) ratio	10.2890%	3,159
Tier 1 risk-based capital ratio	15.1256%	2,874
Total risk-based capital ratio	16.3786%	2,808
Memoranda:
Average total assets	$175,997,670	3,210
Average earning assets	$162,132,000	3,214
Average equity	$18,149,670	3,379
Average total loans	$115,206,330	3,155
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8460%	3,596
Cost of funding earning assets	0.4002%	2,996
Net interest margin	3.4458%	3,465
Noninterest income to average assets	0.6935%	2,000
Noninterest expense to average assets	2.4952%	3,827
Loan and lease loss provision to assets	0.1700%	1,041
Net operating income to assets	1.1717%	1,579
Return on assets (ROA)	1.1717%	1,624
Pretax return on assets	1.1898%	2,633
Return on Equity (ROE)	11.4628%	1,414
Retained earnings to average equity (ytd only)	6.5185%	2,069
Net charge-offs to loans	0.0070%	2,727
Credit loss provision to net charge-offs	3,750.0000%	82
Earnings coverage of net charge-offs (x)	300.0000%	199
Efficiency ratio	63.9624%	3,845
Assets per employee ($millions)	3.9271%	4,136
Cash dividends to net income (ytd only)*	43.1335%	1,907
Condition Ratios (%)
Loss allowance to loans	1.4688%	1,804
Loan loss allowance to noncurrent loans	141.2564%	2,931
Noncurrent assets plus other real estate owned to assets	0.6521%	2,681
Noncurrent loans to loans	1.0398%	1,977
Net loans and leases to total assets	61.7920%	3,566
Net loans and leases to deposits	69.3579%	3,868
Net loans and leases to core deposits	70.2386%	4,132
Total domestic deposits to total assets	89.0915%	1,104
Equity capital to assets	10.0909%	3,645
Core capital (leverage) ratio	10.2508%	3,190
Tier 1 risk-based capital ratio	16.0167%	2,542
Total risk-based capital ratio	17.2696%	2,494
Memoranda:
Average total assets	$176,500,500	3,226
Average earning assets	$161,935,500	3,245
Average equity	$18,041,000	3,407
Average total loans	$113,677,500	3,193
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0095%	3,163
Cost of funding earning assets	0.4471%	2,562
Net interest margin	3.5624%	3,211
Noninterest income to average assets	0.6291%	2,511
Noninterest expense to average assets	2.5516%	3,835
Loan and lease loss provision to assets	0.1735%	1,397
Net operating income to assets	1.1408%	1,727
Return on assets (ROA)	1.1408%	1,823
Pretax return on assets	1.1564%	2,867
Return on Equity (ROE)	11.1537%	1,521
Retained earnings to average equity (ytd only)	5.8963%	1,770
Net charge-offs to loans	0.0132%	3,837
Credit loss provision to net charge-offs	2,000.0000%	214
Earnings coverage of net charge-offs (x)	153.3333%	423
Efficiency ratio	64.9337%	3,774
Assets per employee ($millions)	4.5356%	3,065
Cash dividends to net income (ytd only)*	47.1363%	2,455
Condition Ratios (%)
Loss allowance to loans	1.3948%	2,103
Loan loss allowance to noncurrent loans	146.6359%	2,853
Noncurrent assets plus other real estate owned to assets	0.6353%	2,811
Noncurrent loans to loans	0.9512%	2,185
Net loans and leases to total assets	65.2579%	3,185
Net loans and leases to deposits	73.5595%	3,558
Net loans and leases to core deposits	74.5384%	3,873
Total domestic deposits to total assets	88.7144%	1,261
Equity capital to assets	10.3584%	3,319
Core capital (leverage) ratio	10.3731%	3,026
Tier 1 risk-based capital ratio	15.3339%	2,830
Total risk-based capital ratio	16.5847%	2,755
Memoranda:
Average total assets	$172,950,000	3,247
Average earning assets	$157,900,000	3,270
Average equity	$17,689,200	3,461
Average total loans	$113,722,800	3,160
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9944%	3,244
Cost of funding earning assets	0.4550%	2,509
Net interest margin	3.5393%	3,321
Noninterest income to average assets	0.6185%	2,573
Noninterest expense to average assets	2.5156%	3,938
Loan and lease loss provision to assets	0.1733%	1,301
Net operating income to assets	1.1531%	1,794
Return on assets (ROA)	1.1531%	1,893
Pretax return on assets	1.1708%	2,964
Return on Equity (ROE)	11.3096%	1,555
Retained earnings to average equity (ytd only)	4.2836%	3,275
Net charge-offs to loans	0.0106%	3,559
Credit loss provision to net charge-offs	2,500.0000%	197
Earnings coverage of net charge-offs (x)	193.8842%	379
Efficiency ratio	64.3784%	3,876
Assets per employee ($millions)	4.2250%	3,550
Cash dividends to net income (ytd only)*	62.1243%	1,348
Condition Ratios (%)
Loss allowance to loans	1.3350%	2,509
Loan loss allowance to noncurrent loans	139.1225%	2,940
Noncurrent assets plus other real estate owned to assets	0.6344%	3,003
Noncurrent loans to loans	0.9596%	2,322
Net loans and leases to total assets	64.9333%	3,277
Net loans and leases to deposits	73.2219%	3,671
Net loans and leases to core deposits	74.3599%	3,970
Total domestic deposits to total assets	88.6802%	1,062
Equity capital to assets	10.3454%	3,751
Core capital (leverage) ratio	10.1417%	3,389
Tier 1 risk-based capital ratio	15.1431%	2,977
Total risk-based capital ratio	16.3942%	2,912
Memoranda:
Average total assets	$173,099,250	3,256
Average earning assets	$158,519,750	3,277
Average equity	$17,648,250	3,488
Average total loans	$113,637,250	3,168
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9993%	3,248
Cost of funding earning assets	0.4674%	2,403
Net interest margin	3.5319%	3,363
Noninterest income to average assets	0.5894%	2,676
Noninterest expense to average assets	2.5055%	4,013
Loan and lease loss provision to assets	0.1734%	1,274
Net operating income to assets	1.1245%	1,871
Return on assets (ROA)	1.1245%	1,981
Pretax return on assets	1.1418%	3,030
Return on Equity (ROE)	11.0837%	1,607
Retained earnings to average equity (ytd only)	4.1236%	3,281
Net charge-offs to loans	0.0070%	3,443
Credit loss provision to net charge-offs	3,750.0000%	114
Earnings coverage of net charge-offs (x)	284.5000%	242
Efficiency ratio	64.7610%	3,887
Assets per employee ($millions)	4.2031%	3,562
Cash dividends to net income (ytd only)*	62.7955%	1,422
Condition Ratios (%)
Loss allowance to loans	1.3390%	2,575
Loan loss allowance to noncurrent loans	136.8520%	3,064
Noncurrent assets plus other real estate owned to assets	0.6209%	3,150
Noncurrent loans to loans	0.9784%	2,322
Net loans and leases to total assets	62.0835%	3,617
Net loans and leases to deposits	69.9164%	3,993
Net loans and leases to core deposits	71.0031%	4,249
Total domestic deposits to total assets	88.7968%	1,011
Equity capital to assets	10.2823%	3,881
Core capital (leverage) ratio	10.0532%	3,506
Tier 1 risk-based capital ratio	15.9474%	2,668
Total risk-based capital ratio	17.1986%	2,603
Memoranda:
Average total assets	$173,056,670	3,278
Average earning assets	$158,329,670	3,293
Average equity	$17,557,330	3,507
Average total loans	$113,515,000	3,182
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1783%	2,551
Cost of funding earning assets	0.4702%	2,369
Net interest margin	3.7082%	2,635
Noninterest income to average assets	0.5971%	2,553
Noninterest expense to average assets	2.5061%	4,052
Loan and lease loss provision to assets	0.1729%	1,183
Net operating income to assets	1.2634%	1,362
Return on assets (ROA)	1.2634%	1,452
Pretax return on assets	1.2819%	2,375
Return on Equity (ROE)	12.4897%	1,158
Retained earnings to average equity (ytd only)	12.4897%	438
Net charge-offs to loans	-0.0654%	5,461
Credit loss provision to net charge-offs	-394.7368%	4,489
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	62.5146%	4,369
Assets per employee ($millions)	4.3516%	3,322
Cash dividends to net income (ytd only)*	0.0000%	2,863
Condition Ratios (%)
Loss allowance to loans	1.2803%	3,005
Loan loss allowance to noncurrent loans	547.9705%	940
Noncurrent assets plus other real estate owned to assets	0.1609%	4,928
Noncurrent loans to loans	0.2336%	4,597
Net loans and leases to total assets	65.7846%	2,982
Net loans and leases to deposits	74.0124%	3,435
Net loans and leases to core deposits	75.1490%	3,771
Total domestic deposits to total assets	88.8833%	1,163
Equity capital to assets	10.2923%	3,754
Core capital (leverage) ratio	10.2861%	3,214
Tier 1 risk-based capital ratio	14.9621%	3,179
Total risk-based capital ratio	16.2116%	3,111
Memoranda:
Average total assets	$173,495,500	3,290
Average earning assets	$157,383,000	3,323
Average equity	$17,550,500	3,505
Average total loans	$116,235,500	3,140
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3962%	1,913
Cost of funding earning assets	0.5408%	1,837
Net interest margin	3.8555%	2,178
Noninterest income to average assets	0.7306%	2,061
Noninterest expense to average assets	2.6407%	3,780
Loan and lease loss provision to assets	0.1845%	1,214
Net operating income to assets	1.2083%	1,520
Return on assets (ROA)	1.6893%	608
Pretax return on assets	1.9262%	632
Return on Equity (ROE)	15.2405%	654
Retained earnings to average equity (ytd only)	7.1118%	1,232
Net charge-offs to loans	0.0557%	3,103
Credit loss provision to net charge-offs	466.1017%	667
Earnings coverage of net charge-offs (x)	41.1695%	1,149
Efficiency ratio	61.6968%	4,655
Assets per employee ($millions)	4.2178%	3,540
Cash dividends to net income (ytd only)*	53.3360%	2,118
Condition Ratios (%)
Loss allowance to loans	1.1942%	3,521
Loan loss allowance to noncurrent loans	299.1398%	1,645
Noncurrent assets plus other real estate owned to assets	0.2845%	4,444
Noncurrent loans to loans	0.3992%	4,024
Net loans and leases to total assets	66.5527%	2,905
Net loans and leases to deposits	74.7836%	3,399
Net loans and leases to core deposits	75.9323%	3,761
Total domestic deposits to total assets	88.9937%	1,119
Equity capital to assets	9.9382%	4,033
Core capital (leverage) ratio	10.5258%	2,901
Tier 1 risk-based capital ratio	14.4943%	3,451
Total risk-based capital ratio	15.6690%	3,396
Memoranda:
Average total assets	$149,052,600	3,583
Average earning assets	$136,845,200	3,583
Average equity	$16,521,800	3,598
Average total loans	$105,941,200	3,280
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3774%	1,992
Cost of funding earning assets	0.5607%	1,707
Net interest margin	3.8167%	2,324
Noninterest income to average assets	0.7734%	1,913
Noninterest expense to average assets	2.4107%	4,482
Loan and lease loss provision to assets	0.1631%	1,307
Net operating income to assets	1.3987%	1,107
Return on assets (ROA)	1.3987%	1,155
Pretax return on assets	1.7267%	1,040
Return on Equity (ROE)	12.2359%	1,306
Retained earnings to average equity (ytd only)	3.7335%	3,819
Net charge-offs to loans	0.0452%	2,997
Credit loss provision to net charge-offs	500.0000%	644
Earnings coverage of net charge-offs (x)	57.9372%	937
Efficiency ratio	56.0563%	5,345
Assets per employee ($millions)	4.0956%	3,709
Cash dividends to net income (ytd only)*	69.4870%	1,049
Condition Ratios (%)
Loss allowance to loans	1.2424%	3,418
Loan loss allowance to noncurrent loans	243.5185%	1,908
Noncurrent assets plus other real estate owned to assets	0.3823%	4,235
Noncurrent loans to loans	0.5102%	3,817
Net loans and leases to total assets	72.9220%	1,921
Net loans and leases to deposits	83.4418%	2,464
Net loans and leases to core deposits	84.4230%	2,990
Total domestic deposits to total assets	87.3927%	1,848
Equity capital to assets	11.5909%	2,429
Core capital (leverage) ratio	11.4847%	2,052
Tier 1 risk-based capital ratio	15.8904%	2,849
Total risk-based capital ratio	17.1402%	2,787
Memoranda:
Average total assets	$143,083,500	3,699
Average earning assets	$132,222,000	3,689
Average equity	$16,355,750	3,652
Average total loans	$103,306,500	3,357
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3322%	2,079
Cost of funding earning assets	0.5668%	1,667
Net interest margin	3.7654%	2,457
Noninterest income to average assets	0.7595%	1,956
Noninterest expense to average assets	2.3889%	4,582
Loan and lease loss provision to assets	0.1399%	1,558
Net operating income to assets	1.2350%	1,507
Return on assets (ROA)	1.2350%	1,575
Pretax return on assets	1.7147%	1,053
Return on Equity (ROE)	10.8548%	1,727
Retained earnings to average equity (ytd only)	2.8643%	4,212
Net charge-offs to loans	0.0332%	3,001
Credit loss provision to net charge-offs	588.2353%	564
Earnings coverage of net charge-offs (x)	78.0000%	718
Efficiency ratio	56.2953%	5,401
Assets per employee ($millions)	4.0848%	3,712
Cash dividends to net income (ytd only)*	73.6127%	1,090
Condition Ratios (%)
Loss allowance to loans	1.2122%	3,720
Loan loss allowance to noncurrent loans	108.5418%	3,518
Noncurrent assets plus other real estate owned to assets	0.8107%	2,949
Noncurrent loans to loans	1.1168%	2,414
Net loans and leases to total assets	71.7117%	2,043
Net loans and leases to deposits	81.8561%	2,578
Net loans and leases to core deposits	83.1554%	3,067
Total domestic deposits to total assets	87.6069%	1,835
Equity capital to assets	11.3691%	2,518
Core capital (leverage) ratio	11.4758%	2,012
Tier 1 risk-based capital ratio	16.4430%	2,636
Total risk-based capital ratio	17.6929%	2,599
Memoranda:
Average total assets	$142,996,330	3,733
Average earning assets	$132,311,330	3,716
Average equity	$16,269,330	3,681
Average total loans	$102,460,330	3,392
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3304%	1,999
Cost of funding earning assets	0.5723%	1,638
Net interest margin	3.7581%	2,402
Noninterest income to average assets	0.7356%	1,987
Noninterest expense to average assets	2.3663%	4,698
Loan and lease loss provision to assets	0.1398%	1,470
Net operating income to assets	0.7720%	3,406
Return on assets (ROA)	0.7720%	3,547
Pretax return on assets	1.7006%	1,047
Return on Equity (ROE)	6.7826%	3,618
Retained earnings to average equity (ytd only)	6.7826%	2,107
Net charge-offs to loans	0.0511%	2,273
Credit loss provision to net charge-offs	384.6154%	679
Earnings coverage of net charge-offs (x)	50.6154%	829
Efficiency ratio	56.2500%	5,495
Assets per employee ($millions)	4.0869%	3,783
Cash dividends to net income (ytd only)*	0.0000%	2,870
Condition Ratios (%)
Loss allowance to loans	1.1946%	4,014
Loan loss allowance to noncurrent loans	258.7607%	1,805
Noncurrent assets plus other real estate owned to assets	0.3509%	4,602
Noncurrent loans to loans	0.4616%	4,198
Net loans and leases to total assets	70.0251%	2,139
Net loans and leases to deposits	79.9492%	2,564
Net loans and leases to core deposits	81.2179%	3,032
Total domestic deposits to total assets	87.5869%	2,051
Equity capital to assets	11.4896%	2,469
Core capital (leverage) ratio	11.5111%	1,997
Tier 1 risk-based capital ratio	16.9139%	2,515
Total risk-based capital ratio	18.1572%	2,467
Memoranda:
Average total assets	$143,011,000	3,758
Average earning assets	$132,089,500	3,747
Average equity	$16,277,000	3,701
Average total loans	$101,799,500	3,419
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3942%	2,242
Cost of funding earning assets	0.6403%	1,471
Net interest margin	3.7539%	2,801
Noninterest income to average assets	0.7312%	2,160
Noninterest expense to average assets	2.4443%	4,719
Loan and lease loss provision to assets	0.1074%	2,360
Net operating income to assets	1.0922%	2,001
Return on assets (ROA)	1.0922%	2,060
Pretax return on assets	1.6411%	1,120
Return on Equity (ROE)	9.1244%	2,527
Retained earnings to average equity (ytd only)	6.5943%	1,600
Net charge-offs to loans	0.0763%	3,395
Credit loss provision to net charge-offs	203.9474%	1,210
Earnings coverage of net charge-offs (x)	33.1974%	1,245
Efficiency ratio	58.2975%	5,428
Assets per employee ($millions)	4.2053%	3,533
Cash dividends to net income (ytd only)*	27.7284%	3,484
Condition Ratios (%)
Loss allowance to loans	1.1495%	4,288
Loan loss allowance to noncurrent loans	202.9361%	2,221
Noncurrent assets plus other real estate owned to assets	0.4434%	4,341
Noncurrent loans to loans	0.5664%	3,973
Net loans and leases to total assets	70.6726%	2,132
Net loans and leases to deposits	80.5900%	2,657
Net loans and leases to core deposits	81.8552%	3,128
Total domestic deposits to total assets	87.6940%	1,930
Equity capital to assets	11.2737%	2,626
Core capital (leverage) ratio	11.3077%	2,124
Tier 1 risk-based capital ratio	15.1869%	3,385
Total risk-based capital ratio	16.2867%	3,408
Memoranda:
Average total assets	$144,292,800	3,721
Average earning assets	$133,061,800	3,704
Average equity	$17,272,400	3,491
Average total loans	$99,649,800	3,432
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2728%	2,736
Cost of funding earning assets	0.6495%	1,461
Net interest margin	3.6234%	3,334
Noninterest income to average assets	0.7440%	2,120
Noninterest expense to average assets	2.3140%	5,070
Loan and lease loss provision to assets	0.0691%	2,963
Net operating income to assets	1.0989%	2,035
Return on assets (ROA)	1.0989%	2,102
Pretax return on assets	1.7092%	1,046
Return on Equity (ROE)	9.0502%	2,656
Retained earnings to average equity (ytd only)	7.7216%	1,483
Net charge-offs to loans	0.0970%	2,839
Credit loss provision to net charge-offs	104.1667%	2,125
Earnings coverage of net charge-offs (x)	26.7910%	1,475
Efficiency ratio	56.5443%	5,606
Assets per employee ($millions)	4.2362%	3,410
Cash dividends to net income (ytd only)*	14.6814%	3,395
Condition Ratios (%)
Loss allowance to loans	1.0884%	4,806
Loan loss allowance to noncurrent loans	148.9160%	2,757
Noncurrent assets plus other real estate owned to assets	0.5506%	4,203
Noncurrent loans to loans	0.7309%	3,773
Net loans and leases to total assets	69.3418%	2,302
Net loans and leases to deposits	80.2844%	2,650
Net loans and leases to core deposits	81.7231%	3,125
Total domestic deposits to total assets	86.3702%	2,660
Equity capital to assets	12.5821%	1,648
Core capital (leverage) ratio	12.6185%	1,341
Tier 1 risk-based capital ratio	17.6570%	2,333
Total risk-based capital ratio	18.7161%	2,369
Memoranda:
Average total assets	$144,621,250	3,751
Average earning assets	$133,646,750	3,726
Average equity	$17,560,750	3,464
Average total loans	$99,006,750	3,463
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2586%	2,743
Cost of funding earning assets	0.6594%	1,439
Net interest margin	3.5992%	3,362
Noninterest income to average assets	0.7154%	2,207
Noninterest expense to average assets	2.2815%	5,196
Loan and lease loss provision to assets	0.0691%	2,886
Net operating income to assets	1.0800%	2,008
Return on assets (ROA)	1.0800%	2,078
Pretax return on assets	1.6890%	1,039
Return on Equity (ROE)	9.0021%	2,600
Retained earnings to average equity (ytd only)	6.9876%	1,784
Net charge-offs to loans	-0.0142%	5,428
Credit loss provision to net charge-offs	-714.2857%	5,657
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	56.4786%	5,694
Assets per employee ($millions)	4.2017%	3,458
Cash dividends to net income (ytd only)*	22.3785%	3,093
Condition Ratios (%)
Loss allowance to loans	1.1888%	4,472
Loan loss allowance to noncurrent loans	136.2884%	2,909
Noncurrent assets plus other real estate owned to assets	0.6406%	4,057
Noncurrent loans to loans	0.8722%	3,517
Net loans and leases to total assets	65.1698%	2,886
Net loans and leases to deposits	75.0681%	3,186
Net loans and leases to core deposits	76.3674%	3,592
Total domestic deposits to total assets	86.8141%	2,573
Equity capital to assets	12.0462%	1,944
Core capital (leverage) ratio	12.1263%	1,587
Tier 1 risk-based capital ratio	18.1144%	2,198
Total risk-based capital ratio	19.2805%	2,199
Memoranda:
Average total assets	$144,818,330	3,762
Average earning assets	$133,751,330	3,747
Average equity	$17,373,670	3,483
Average total loans	$98,351,670	3,487
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3291%	2,413
Cost of funding earning assets	0.6681%	1,450
Net interest margin	3.6610%	3,016
Noninterest income to average assets	0.6987%	2,173
Noninterest expense to average assets	2.2881%	5,223
Loan and lease loss provision to assets	0.0696%	2,745
Net operating income to assets	1.0773%	1,907
Return on assets (ROA)	1.0773%	1,972
Pretax return on assets	1.7119%	952
Return on Equity (ROE)	8.9984%	2,464
Retained earnings to average equity (ytd only)	8.9984%	1,253
Net charge-offs to loans	-0.0202%	5,367
Credit loss provision to net charge-offs	-500.0000%	5,177
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	56.2244%	5,817
Assets per employee ($millions)	3.6142%	4,688
Cash dividends to net income (ytd only)*	0.0000%	2,852
Condition Ratios (%)
Loss allowance to loans	1.1520%	4,862
Loan loss allowance to noncurrent loans	120.8155%	3,158
Noncurrent assets plus other real estate owned to assets	0.6796%	4,074
Noncurrent loans to loans	0.9535%	3,504
Net loans and leases to total assets	65.2011%	2,695
Net loans and leases to deposits	74.7740%	2,974
Net loans and leases to core deposits	76.0518%	3,406
Total domestic deposits to total assets	87.1976%	2,705
Equity capital to assets	11.7436%	2,061
Core capital (leverage) ratio	12.1593%	1,570
Tier 1 risk-based capital ratio	17.8101%	2,370
Total risk-based capital ratio	18.9437%	2,378
Memoranda:
Average total assets	$143,698,000	3,811
Average earning assets	$132,314,000	3,797
Average equity	$17,203,000	3,521
Average total loans	$99,032,000	3,491
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5105%	2,168
Cost of funding earning assets	0.7284%	1,634
Net interest margin	3.7821%	2,718
Noninterest income to average assets	0.7515%	2,284
Noninterest expense to average assets	2.6089%	4,426
Loan and lease loss provision to assets	0.0716%	3,685
Net operating income to assets	1.0428%	2,145
Return on assets (ROA)	1.0428%	2,216
Pretax return on assets	1.5532%	1,289
Return on Equity (ROE)	8.6917%	2,705
Retained earnings to average equity (ytd only)	6.5978%	1,626
Net charge-offs to loans	0.0362%	4,723
Credit loss provision to net charge-offs	285.7143%	788
Earnings coverage of net charge-offs (x)	64.8571%	645
Efficiency ratio	61.6230%	5,269
Assets per employee ($millions)	3.3146%	5,255
Cash dividends to net income (ytd only)*	24.0906%	3,547
Condition Ratios (%)
Loss allowance to loans	1.0925%	5,194
Loan loss allowance to noncurrent loans	116.8443%	3,219
Noncurrent assets plus other real estate owned to assets	0.7277%	4,063
Noncurrent loans to loans	0.9350%	3,651
Net loans and leases to total assets	71.2757%	1,797
Net loans and leases to deposits	82.3157%	2,148
Net loans and leases to core deposits	83.9886%	2,678
Total domestic deposits to total assets	86.5882%	2,947
Equity capital to assets	12.2144%	1,671
Core capital (leverage) ratio	12.3471%	1,424
Tier 1 risk-based capital ratio	16.5724%	2,811
Total risk-based capital ratio	17.6192%	2,874
Memoranda:
Average total assets	$139,716,000	3,876
Average earning assets	$128,632,800	3,874
Average equity	$16,763,200	3,593
Average total loans	$96,718,000	3,537
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5014%	2,221
Cost of funding earning assets	0.7339%	1,717
Net interest margin	3.7676%	2,771
Noninterest income to average assets	0.7456%	2,382
Noninterest expense to average assets	2.3931%	5,046
Loan and lease loss provision to assets	0.0715%	3,635
Net operating income to assets	1.1413%	1,849
Return on assets (ROA)	1.1413%	1,925
Pretax return on assets	1.7562%	981
Return on Equity (ROE)	9.5549%	2,372
Retained earnings to average equity (ytd only)	8.1500%	1,355
Net charge-offs to loans	-0.0278%	6,147
Credit loss provision to net charge-offs	-375.0000%	5,997
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	56.6975%	5,834
Assets per employee ($millions)	3.2217%	5,451
Cash dividends to net income (ytd only)*	14.7034%	3,295
Condition Ratios (%)
Loss allowance to loans	1.1207%	5,253
Loan loss allowance to noncurrent loans	116.9263%	3,086
Noncurrent assets plus other real estate owned to assets	0.8143%	4,072
Noncurrent loans to loans	0.9585%	3,901
Net loans and leases to total assets	71.7139%	1,649
Net loans and leases to deposits	84.9300%	1,753
Net loans and leases to core deposits	86.7075%	2,323
Total domestic deposits to total assets	84.4389%	4,011
Equity capital to assets	12.2449%	1,750
Core capital (leverage) ratio	12.4999%	1,427
Tier 1 risk-based capital ratio	16.8922%	2,755
Total risk-based capital ratio	17.9937%	2,783
Memoranda:
Average total assets	$139,841,750	3,917
Average earning assets	$128,993,000	3,908
Average equity	$16,703,000	3,642
Average total loans	$95,817,250	3,582
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3365%	2,806
Cost of funding earning assets	0.7418%	1,756
Net interest margin	3.5948%	3,380
Noninterest income to average assets	0.6687%	2,804
Noninterest expense to average assets	2.3910%	5,080
Loan and lease loss provision to assets	0.1069%	3,011
Net operating income to assets	0.9709%	2,460
Return on assets (ROA)	0.9709%	2,604
Pretax return on assets	1.4942%	1,632
Return on Equity (ROE)	8.1968%	2,992
Retained earnings to average equity (ytd only)	6.0784%	2,384
Net charge-offs to loans	0.0106%	4,663
Credit loss provision to net charge-offs	1,500.0000%	208
Earnings coverage of net charge-offs (x)	224.6000%	232
Efficiency ratio	59.8929%	5,501
Assets per employee ($millions)	3.6827%	4,436
Cash dividends to net income (ytd only)*	25.8443%	2,793
Condition Ratios (%)
Loss allowance to loans	1.1570%	5,205
Loan loss allowance to noncurrent loans	92.7609%	3,629
Noncurrent assets plus other real estate owned to assets	0.8489%	4,118
Noncurrent loans to loans	1.2472%	3,461
Net loans and leases to total assets	67.2769%	2,367
Net loans and leases to deposits	77.3753%	2,657
Net loans and leases to core deposits	78.9164%	3,177
Total domestic deposits to total assets	86.9488%	2,847
Equity capital to assets	11.8671%	1,994
Core capital (leverage) ratio	11.9156%	1,661
Tier 1 risk-based capital ratio	17.2477%	2,614
Total risk-based capital ratio	18.3797%	2,640
Memoranda:
Average total assets	$140,278,670	3,943
Average earning assets	$129,689,000	3,909
Average equity	$16,616,330	3,683
Average total loans	$94,265,670	3,627
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2867%	2,941
Cost of funding earning assets	0.7567%	1,794
Net interest margin	3.5301%	3,574
Noninterest income to average assets	0.6550%	2,852
Noninterest expense to average assets	2.3639%	5,218
Loan and lease loss provision to assets	0.2136%	1,735
Net operating income to assets	0.8687%	2,814
Return on assets (ROA)	0.8687%	2,958
Pretax return on assets	1.3329%	2,111
Return on Equity (ROE)	7.3401%	3,297
Retained earnings to average equity (ytd only)	7.3401%	2,008
Net charge-offs to loans	0.0384%	3,488
Credit loss provision to net charge-offs	833.3333%	359
Earnings coverage of net charge-offs (x)	60.3333%	593
Efficiency ratio	60.4516%	5,524
Assets per employee ($millions)	3.5867%	4,807
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	1.1654%	5,346
Loan loss allowance to noncurrent loans	84.1379%	3,810
Noncurrent assets plus other real estate owned to assets	0.9096%	4,121
Noncurrent loans to loans	1.3851%	3,489
Net loans and leases to total assets	64.9055%	2,550
Net loans and leases to deposits	74.3742%	2,872
Net loans and leases to core deposits	75.5050%	3,386
Total domestic deposits to total assets	87.2688%	2,776
Equity capital to assets	11.6668%	2,280
Core capital (leverage) ratio	11.5084%	1,877
Tier 1 risk-based capital ratio	16.9277%	2,782
Total risk-based capital ratio	18.0481%	2,824
Memoranda:
Average total assets	$140,447,500	3,975
Average earning assets	$129,516,000	3,950
Average equity	$16,621,000	3,726
Average total loans	$93,773,500	3,657
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6397%	2,848
Cost of funding earning assets	0.8744%	2,100
Net interest margin	3.7652%	3,373
Noninterest income to average assets	0.7916%	2,297
Noninterest expense to average assets	2.5867%	4,782
Loan and lease loss provision to assets	0.1306%	3,988
Net operating income to assets	1.0497%	2,126
Return on assets (ROA)	1.0497%	2,320
Pretax return on assets	1.5601%	1,490
Return on Equity (ROE)	8.7681%	2,755
Retained earnings to average equity (ytd only)	6.5745%	1,777
Net charge-offs to loans	0.2160%	3,666
Credit loss provision to net charge-offs	88.8325%	3,521
Earnings coverage of net charge-offs (x)	11.5025%	2,022
Efficiency ratio	60.4744%	5,473
Assets per employee ($millions)	3.5238%	4,965
Cash dividends to net income (ytd only)*	25.0178%	3,568
Condition Ratios (%)
Loss allowance to loans	1.1057%	5,531
Loan loss allowance to noncurrent loans	156.1271%	2,282
Noncurrent assets plus other real estate owned to assets	0.5225%	5,174
Noncurrent loans to loans	0.7082%	4,772
Net loans and leases to total assets	67.1617%	2,339
Net loans and leases to deposits	77.4236%	2,598
Net loans and leases to core deposits	78.8193%	3,160
Total domestic deposits to total assets	86.7458%	2,963
Equity capital to assets	12.0092%	2,044
Core capital (leverage) ratio	12.0086%	1,559
Tier 1 risk-based capital ratio	17.1681%	2,576
Total risk-based capital ratio	18.2525%	2,617
Memoranda:
Average total assets	$134,033,000	4,062
Average earning assets	$124,082,200	4,016
Average equity	$16,046,800	3,765
Average total loans	$91,202,800	3,718
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7014%	2,801
Cost of funding earning assets	0.8934%	2,215
Net interest margin	3.8080%	3,305
Noninterest income to average assets	0.7758%	2,349
Noninterest expense to average assets	2.4076%	5,371
Loan and lease loss provision to assets	0.1251%	3,984
Net operating income to assets	1.1513%	1,899
Return on assets (ROA)	1.1513%	2,097
Pretax return on assets	1.7719%	1,112
Return on Equity (ROE)	9.6237%	2,532
Retained earnings to average equity (ytd only)	8.1508%	1,555
Net charge-offs to loans	0.2941%	2,967
Credit loss provision to net charge-offs	62.5000%	4,084
Earnings coverage of net charge-offs (x)	9.4750%	2,319
Efficiency ratio	55.9302%	6,062
Assets per employee ($millions)	3.4733%	5,026
Cash dividends to net income (ytd only)*	15.3042%	3,253
Condition Ratios (%)
Loss allowance to loans	1.0778%	5,811
Loan loss allowance to noncurrent loans	127.9739%	2,625
Noncurrent assets plus other real estate owned to assets	0.5648%	5,262
Noncurrent loans to loans	0.8422%	4,732
Net loans and leases to total assets	66.3347%	2,587
Net loans and leases to deposits	76.5218%	2,907
Net loans and leases to core deposits	77.9200%	3,474
Total domestic deposits to total assets	86.6873%	2,859
Equity capital to assets	12.1551%	2,146
Core capital (leverage) ratio	12.0199%	1,641
Tier 1 risk-based capital ratio	17.1772%	2,661
Total risk-based capital ratio	18.2117%	2,714
Memoranda:
Average total assets	$133,184,250	4,115
Average earning assets	$123,420,500	4,071
Average equity	$15,932,500	3,826
Average total loans	$90,670,750	3,770
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7978%	2,516
Cost of funding earning assets	0.9103%	2,316
Net interest margin	3.8875%	2,962
Noninterest income to average assets	0.7128%	2,595
Noninterest expense to average assets	2.3832%	5,511
Loan and lease loss provision to assets	0.1888%	3,210
Net operating income to assets	1.1312%	1,945
Return on assets (ROA)	1.1312%	2,161
Pretax return on assets	1.7398%	1,162
Return on Equity (ROE)	9.5081%	2,567
Retained earnings to average equity (ytd only)	7.2739%	1,967
Net charge-offs to loans	0.3333%	2,691
Credit loss provision to net charge-offs	82.7815%	3,248
Earnings coverage of net charge-offs (x)	8.4570%	2,294
Efficiency ratio	55.2715%	6,193
Assets per employee ($millions)	3.5277%	4,928
Cash dividends to net income (ytd only)*	23.4980%	2,867
Condition Ratios (%)
Loss allowance to loans	1.1288%	5,652
Loan loss allowance to noncurrent loans	102.2908%	3,145
Noncurrent assets plus other real estate owned to assets	0.7490%	4,925
Noncurrent loans to loans	1.1035%	4,320
Net loans and leases to total assets	67.1055%	2,443
Net loans and leases to deposits	77.3531%	2,778
Net loans and leases to core deposits	78.7652%	3,403
Total domestic deposits to total assets	86.7523%	2,925
Equity capital to assets	11.9684%	2,174
Core capital (leverage) ratio	11.7175%	1,775
Tier 1 risk-based capital ratio	17.1831%	2,592
Total risk-based capital ratio	18.2961%	2,608
Memoranda:
Average total assets	$132,426,670	4,151
Average earning assets	$122,596,670	4,111
Average equity	$15,755,000	3,842
Average total loans	$90,616,330	3,790
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6235%	3,393
Cost of funding earning assets	0.9319%	2,425
Net interest margin	3.6915%	3,870
Noninterest income to average assets	0.7021%	2,654
Noninterest expense to average assets	2.3736%	5,560
Loan and lease loss provision to assets	0.3799%	1,662
Net operating income to assets	0.8814%	3,011
Return on assets (ROA)	0.8814%	3,230
Pretax return on assets	1.3555%	2,351
Return on Equity (ROE)	7.4309%	3,544
Retained earnings to average equity (ytd only)	7.4309%	2,212
Net charge-offs to loans	1.1677%	878
Credit loss provision to net charge-offs	47.3485%	3,324
Earnings coverage of net charge-offs (x)	2.1629%	3,295
Efficiency ratio	57.7663%	5,951
Assets per employee ($millions)	3.5840%	4,924
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	1.0104%	6,203
Loan loss allowance to noncurrent loans	150.7414%	2,163
Noncurrent assets plus other real estate owned to assets	0.4802%	5,661
Noncurrent loans to loans	0.6703%	5,314
Net loans and leases to total assets	65.8223%	2,498
Net loans and leases to deposits	75.3957%	2,905
Net loans and leases to core deposits	76.7395%	3,517
Total domestic deposits to total assets	87.3024%	2,770
Equity capital to assets	11.5639%	2,379
Core capital (leverage) ratio	11.7144%	1,758
Tier 1 risk-based capital ratio	16.6298%	2,855
Total risk-based capital ratio	17.6069%	2,940
Memoranda:
Average total assets	$131,613,500	4,195
Average earning assets	$121,467,500	4,167
Average equity	$15,610,500	3,873
Average total loans	$90,432,500	3,816
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7917%	3,850
Cost of funding earning assets	1.0578%	2,965
Net interest margin	3.7339%	4,138
Noninterest income to average assets	0.8062%	2,026
Noninterest expense to average assets	2.6828%	4,812
Loan and lease loss provision to assets	0.0853%	5,536
Net operating income to assets	1.0170%	2,141
Return on assets (ROA)	1.0170%	2,283
Pretax return on assets	1.4883%	1,510
Return on Equity (ROE)	8.7555%	2,562
Retained earnings to average equity (ytd only)	6.4065%	1,799
Net charge-offs to loans	0.1501%	4,942
Credit loss provision to net charge-offs	82.7068%	4,337
Earnings coverage of net charge-offs (x)	15.2632%	1,405
Efficiency ratio	63.0304%	5,293
Assets per employee ($millions)	3.1759%	5,755
Cash dividends to net income (ytd only)*	26.8293%	3,246
Condition Ratios (%)
Loss allowance to loans	1.1671%	5,551
Loan loss allowance to noncurrent loans	105.5055%	2,915
Noncurrent assets plus other real estate owned to assets	0.8368%	4,950
Noncurrent loans to loans	1.1062%	4,500
Net loans and leases to total assets	70.2572%	1,983
Net loans and leases to deposits	81.2586%	2,316
Net loans and leases to core deposits	82.8194%	3,056
Total domestic deposits to total assets	86.4613%	3,051
Equity capital to assets	12.1792%	1,988
Core capital (leverage) ratio	11.8586%	1,678
Tier 1 risk-based capital ratio	16.0750%	3,000
Total risk-based capital ratio	17.1837%	3,040
Memoranda:
Average total assets	$129,006,600	4,189
Average earning assets	$119,206,400	4,151
Average equity	$14,984,800	3,908
Average total loans	$88,599,600	3,892
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7510%	4,220
Cost of funding earning assets	1.0771%	3,131
Net interest margin	3.6738%	4,452
Noninterest income to average assets	0.8154%	1,978
Noninterest expense to average assets	2.6079%	5,052
Loan and lease loss provision to assets	0.1133%	5,007
Net operating income to assets	0.9730%	2,424
Return on assets (ROA)	0.9730%	2,593
Pretax return on assets	1.4970%	1,661
Return on Equity (ROE)	8.4772%	2,834
Retained earnings to average equity (ytd only)	6.8984%	2,028
Net charge-offs to loans	0.1694%	4,439
Credit loss provision to net charge-offs	98.2143%	3,477
Earnings coverage of net charge-offs (x)	13.9642%	1,567
Efficiency ratio	61.8257%	5,437
Assets per employee ($millions)	3.4674%	5,076
Cash dividends to net income (ytd only)*	18.6243%	2,991
Condition Ratios (%)
Loss allowance to loans	1.2033%	5,452
Loan loss allowance to noncurrent loans	86.6129%	3,336
Noncurrent assets plus other real estate owned to assets	1.0195%	4,721
Noncurrent loans to loans	1.3893%	4,211
Net loans and leases to total assets	68.7330%	2,326
Net loans and leases to deposits	79.1191%	2,790
Net loans and leases to core deposits	80.8344%	3,508
Total domestic deposits to total assets	86.8729%	2,729
Equity capital to assets	11.9493%	2,292
Core capital (leverage) ratio	11.6088%	1,954
Tier 1 risk-based capital ratio	16.5164%	2,856
Total risk-based capital ratio	17.6929%	2,855
Memoranda:
Average total assets	$129,499,250	4,210
Average earning assets	$119,944,750	4,151
Average equity	$14,863,000	3,947
Average total loans	$88,173,000	3,945
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6761%	4,639
Cost of funding earning assets	1.0980%	3,258
Net interest margin	3.5781%	4,796
Noninterest income to average assets	0.8037%	1,999
Noninterest expense to average assets	2.6389%	5,042
Loan and lease loss provision to assets	0.1694%	4,238
Net operating income to assets	0.8530%	2,845
Return on assets (ROA)	0.8530%	2,939
Pretax return on assets	1.3118%	2,099
Return on Equity (ROE)	7.5337%	3,174
Retained earnings to average equity (ytd only)	5.1403%	2,918
Net charge-offs to loans	0.2619%	3,581
Credit loss provision to net charge-offs	95.6522%	3,285
Earnings coverage of net charge-offs (x)	8.3652%	2,074
Efficiency ratio	64.0508%	5,228
Assets per employee ($millions)	3.5316%	4,853
Cash dividends to net income (ytd only)*	31.7690%	2,408
Condition Ratios (%)
Loss allowance to loans	1.2206%	5,460
Loan loss allowance to noncurrent loans	70.9742%	3,898
Noncurrent assets plus other real estate owned to assets	1.2176%	4,461
Noncurrent loans to loans	1.7198%	3,858
Net loans and leases to total assets	66.3276%	2,964
Net loans and leases to deposits	75.9639%	3,485
Net loans and leases to core deposits	77.5572%	4,106
Total domestic deposits to total assets	87.3147%	2,561
Equity capital to assets	11.4188%	2,580
Core capital (leverage) ratio	11.0208%	2,230
Tier 1 risk-based capital ratio	16.5133%	2,737
Total risk-based capital ratio	17.7164%	2,722
Memoranda:
Average total assets	$129,901,670	4,233
Average earning assets	$120,398,670	4,178
Average equity	$14,707,330	3,958
Average total loans	$87,813,000	3,991
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6642%	4,675
Cost of funding earning assets	1.1277%	3,308
Net interest margin	3.5365%	4,862
Noninterest income to average assets	0.8030%	2,024
Noninterest expense to average assets	2.7085%	4,803
Loan and lease loss provision to assets	0.1235%	4,456
Net operating income to assets	0.8092%	2,983
Return on assets (ROA)	0.8092%	3,047
Pretax return on assets	1.2446%	2,215
Return on Equity (ROE)	7.1778%	3,304
Retained earnings to average equity (ytd only)	7.1778%	2,077
Net charge-offs to loans	0.1958%	3,329
Credit loss provision to net charge-offs	93.0233%	2,881
Earnings coverage of net charge-offs (x)	10.3023%	1,647
Efficiency ratio	66.4394%	4,957
Assets per employee ($millions)	6.3234%	1,020
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	1.2257%	5,502
Loan loss allowance to noncurrent loans	66.9994%	4,063
Noncurrent assets plus other real estate owned to assets	1.3977%	4,191
Noncurrent loans to loans	1.8294%	3,795
Net loans and leases to total assets	65.1771%	3,208
Net loans and leases to deposits	74.2740%	3,722
Net loans and leases to core deposits	75.7961%	4,324
Total domestic deposits to total assets	87.7523%	2,519
Equity capital to assets	11.0805%	2,612
Core capital (leverage) ratio	11.0086%	2,183
Tier 1 risk-based capital ratio	16.2946%	2,766
Total risk-based capital ratio	17.4946%	2,755
Memoranda:
Average total assets	$129,517,000	4,268
Average earning assets	$119,891,000	4,226
Average equity	$14,600,500	3,973
Average total loans	$87,848,500	4,019
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1485%	3,859
Cost of funding earning assets	1.3913%	3,332
Net interest margin	3.7572%	4,122
Noninterest income to average assets	0.7969%	2,305
Noninterest expense to average assets	2.7463%	4,798
Loan and lease loss provision to assets	0.1766%	5,462
Net operating income to assets	0.9453%	2,217
Return on assets (ROA)	0.9453%	2,347
Pretax return on assets	1.3512%	1,794
Return on Equity (ROE)	8.4498%	2,517
Retained earnings to average equity (ytd only)	5.9724%	1,837
Net charge-offs to loans	-0.0498%	7,445
Credit loss provision to net charge-offs	-489.1304%	7,113
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	64.2542%	5,303
Assets per employee ($millions)	3.1561%	5,764
Cash dividends to net income (ytd only)*	29.3189%	3,076
Condition Ratios (%)
Loss allowance to loans	1.2217%	5,407
Loan loss allowance to noncurrent loans	60.8597%	4,375
Noncurrent assets plus other real estate owned to assets	1.5827%	3,930
Noncurrent loans to loans	2.0074%	3,553
Net loans and leases to total assets	68.9129%	2,766
Net loans and leases to deposits	79.1040%	3,321
Net loans and leases to core deposits	80.2563%	4,173
Total domestic deposits to total assets	87.1168%	2,758
Equity capital to assets	11.4756%	2,281
Core capital (leverage) ratio	11.2204%	1,997
Tier 1 risk-based capital ratio	15.8818%	2,805
Total risk-based capital ratio	17.0743%	2,794
Memoranda:
Average total assets	$127,371,800	4,330
Average earning assets	$117,879,000	4,277
Average equity	$14,248,800	4,087
Average total loans	$92,360,000	3,998
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1694%	3,990
Cost of funding earning assets	1.4491%	3,279
Net interest margin	3.7203%	4,304
Noninterest income to average assets	0.7938%	2,266
Noninterest expense to average assets	2.5840%	5,388
Loan and lease loss provision to assets	0.2350%	4,721
Net operating income to assets	0.9233%	2,524
Return on assets (ROA)	0.9233%	2,659
Pretax return on assets	1.4205%	1,824
Return on Equity (ROE)	8.3066%	2,789
Retained earnings to average equity (ytd only)	6.6433%	2,019
Net charge-offs to loans	-0.0656%	7,501
Credit loss provision to net charge-offs	-489.1304%	7,017
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	60.9510%	5,804
Assets per employee ($millions)	2.8941%	6,384
Cash dividends to net income (ytd only)*	20.0222%	2,970
Condition Ratios (%)
Loss allowance to loans	1.1777%	5,603
Loan loss allowance to noncurrent loans	55.4925%	4,598
Noncurrent assets plus other real estate owned to assets	1.6200%	4,017
Noncurrent loans to loans	2.1222%	3,548
Net loans and leases to total assets	72.5536%	2,112
Net loans and leases to deposits	83.2557%	2,850
Net loans and leases to core deposits	84.9197%	3,814
Total domestic deposits to total assets	87.1454%	2,451
Equity capital to assets	11.6348%	2,425
Core capital (leverage) ratio	10.9651%	2,285
Tier 1 risk-based capital ratio	15.8416%	2,845
Total risk-based capital ratio	17.0383%	2,819
Memoranda:
Average total assets	$127,654,250	4,377
Average earning assets	$118,231,500	4,328
Average equity	$14,189,250	4,163
Average total loans	$93,431,750	4,039
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1416%	4,238
Cost of funding earning assets	1.4882%	3,315
Net interest margin	3.6534%	4,566
Noninterest income to average assets	0.7924%	2,161
Noninterest expense to average assets	2.5667%	5,466
Loan and lease loss provision to assets	0.1165%	5,732
Net operating income to assets	0.9680%	2,303
Return on assets (ROA)	0.9680%	2,388
Pretax return on assets	1.4885%	1,584
Return on Equity (ROE)	8.8415%	2,530
Retained earnings to average equity (ytd only)	6.3295%	2,152
Net charge-offs to loans	-0.0977%	7,552
Credit loss provision to net charge-offs	-163.0435%	6,705
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	61.5270%	5,763
Assets per employee ($millions)	3.0369%	6,063
Cash dividends to net income (ytd only)*	28.4109%	2,566
Condition Ratios (%)
Loss allowance to loans	1.0014%	6,393
Loan loss allowance to noncurrent loans	84.7210%	3,218
Noncurrent assets plus other real estate owned to assets	0.9251%	5,274
Noncurrent loans to loans	1.1820%	4,985
Net loans and leases to total assets	71.7711%	2,466
Net loans and leases to deposits	83.5675%	2,958
Net loans and leases to core deposits	84.8187%	4,019
Total domestic deposits to total assets	85.8840%	3,159
Equity capital to assets	11.1697%	2,711
Core capital (leverage) ratio	10.8778%	2,341
Tier 1 risk-based capital ratio	15.5245%	2,879
Total risk-based capital ratio	16.5510%	2,969
Memoranda:
Average total assets	$128,723,670	4,383
Average earning assets	$119,068,000	4,335
Average equity	$14,092,670	4,182
Average total loans	$94,120,330	4,059
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1651%	4,223
Cost of funding earning assets	1.5452%	3,303
Net interest margin	3.6200%	4,625
Noninterest income to average assets	0.7981%	2,030
Noninterest expense to average assets	2.5922%	5,383
Loan and lease loss provision to assets	0.0773%	5,866
Net operating income to assets	0.9558%	2,341
Return on assets (ROA)	0.9558%	2,409
Pretax return on assets	1.4693%	1,597
Return on Equity (ROE)	8.8188%	2,559
Retained earnings to average equity (ytd only)	8.8188%	1,451
Net charge-offs to loans	-0.0253%	7,137
Credit loss provision to net charge-offs	-416.6667%	6,235
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	62.6308%	5,722
Assets per employee ($millions)	3.4136%	5,253
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	0.8944%	6,856
Loan loss allowance to noncurrent loans	77.9851%	3,494
Noncurrent assets plus other real estate owned to assets	0.9066%	5,342
Noncurrent loans to loans	1.1469%	5,077
Net loans and leases to total assets	71.4112%	2,584
Net loans and leases to deposits	82.5154%	3,191
Net loans and leases to core deposits	84.0434%	4,192
Total domestic deposits to total assets	86.5428%	2,877
Equity capital to assets	10.8230%	2,932
Core capital (leverage) ratio	10.7441%	2,421
Tier 1 risk-based capital ratio	14.9507%	3,130
Total risk-based capital ratio	15.8520%	3,280
Memoranda:
Average total assets	$129,310,500	4,427
Average earning assets	$119,338,500	4,393
Average equity	$14,015,500	4,239
Average total loans	$94,945,500	4,105
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6559%	3,323
Cost of funding earning assets	1.7802%	4,103
Net interest margin	3.8757%	3,373
Noninterest income to average assets	0.7641%	2,592
Noninterest expense to average assets	2.8201%	4,891
Loan and lease loss provision to assets	0.0803%	6,805
Net operating income to assets	1.0091%	1,805
Return on assets (ROA)	0.9874%	1,931
Pretax return on assets	1.3875%	1,464
Return on Equity (ROE)	8.9425%	2,047
Retained earnings to average equity (ytd only)	6.3230%	1,219
Net charge-offs to loans	0.2060%	5,341
Credit loss provision to net charge-offs	51.0204%	6,732
Earnings coverage of net charge-offs (x)	9.5153%	1,786
Efficiency ratio	65.3023%	5,534
Assets per employee ($millions)	2.9297%	6,390
Cash dividends to net income (ytd only)*	29.2921%	3,357
Condition Ratios (%)
Loss allowance to loans	0.8349%	7,032
Loan loss allowance to noncurrent loans	74.1935%	3,707
Noncurrent assets plus other real estate owned to assets	0.9418%	5,222
Noncurrent loans to loans	1.1252%	5,080
Net loans and leases to total assets	74.1773%	2,228
Net loans and leases to deposits	85.8547%	2,943
Net loans and leases to core deposits	96.9334%	4,360
Total domestic deposits to total assets	86.3986%	2,815
Equity capital to assets	10.8544%	2,815
Core capital (leverage) ratio	10.9761%	2,238
Tier 1 risk-based capital ratio	14.6086%	3,151
Total risk-based capital ratio	15.4603%	3,325
Memoranda:
Average total assets	$124,465,600	4,460
Average earning assets	$114,147,200	4,447
Average equity	$13,743,400	4,327
Average total loans	$95,147,200	4,085
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7310%	3,184
Cost of funding earning assets	1.8121%	4,331
Net interest margin	3.9188%	3,164
Noninterest income to average assets	0.7588%	2,655
Noninterest expense to average assets	2.7227%	5,235
Loan and lease loss provision to assets	0.1081%	6,293
Net operating income to assets	0.9890%	2,099
Return on assets (ROA)	0.9890%	2,161
Pretax return on assets	1.5229%	1,350
Return on Equity (ROE)	8.9171%	2,295
Retained earnings to average equity (ytd only)	7.1629%	1,442
Net charge-offs to loans	0.2854%	4,243
Credit loss provision to net charge-offs	49.2611%	6,319
Earnings coverage of net charge-offs (x)	7.4335%	2,406
Efficiency ratio	62.5372%	6,011
Assets per employee ($millions)	3.0898%	5,935
Cash dividends to net income (ytd only)*	19.6718%	3,251
Condition Ratios (%)
Loss allowance to loans	0.8341%	7,008
Loan loss allowance to noncurrent loans	69.0311%	3,858
Noncurrent assets plus other real estate owned to assets	1.1684%	4,741
Noncurrent loans to loans	1.2083%	4,928
Net loans and leases to total assets	76.7637%	1,832
Net loans and leases to deposits	89.3444%	2,708
Net loans and leases to core deposits	101.8606%	4,171
Total domestic deposits to total assets	85.9189%	2,734
Equity capital to assets	11.2201%	2,816
Core capital (leverage) ratio	10.9265%	2,457
Tier 1 risk-based capital ratio	14.7689%	3,150
Total risk-based capital ratio	15.6308%	3,286
Memoranda:
Average total assets	$123,355,500	4,513
Average earning assets	$113,159,750	4,507
Average equity	$13,681,250	4,366
Average total loans	$94,828,000	4,126
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7876%	3,111
Cost of funding earning assets	1.8390%	4,558
Net interest margin	3.9486%	2,892
Noninterest income to average assets	0.7576%	2,660
Noninterest expense to average assets	2.7888%	5,004
Loan and lease loss provision to assets	0.1217%	5,896
Net operating income to assets	0.9393%	2,313
Return on assets (ROA)	0.9393%	2,407
Pretax return on assets	1.4455%	1,602
Return on Equity (ROE)	8.5026%	2,569
Retained earnings to average equity (ytd only)	5.8593%	2,089
Net charge-offs to loans	0.2137%	4,172
Credit loss provision to net charge-offs	74.2574%	5,334
Earnings coverage of net charge-offs (x)	9.5644%	2,107
Efficiency ratio	64.0223%	5,912
Assets per employee ($millions)	3.1722%	5,651
Cash dividends to net income (ytd only)*	31.0881%	2,809
Condition Ratios (%)
Loss allowance to loans	0.9195%	6,687
Loan loss allowance to noncurrent loans	148.0541%	1,988
Noncurrent assets plus other real estate owned to assets	0.6250%	5,850
Noncurrent loans to loans	0.6211%	6,012
Net loans and leases to total assets	74.3055%	2,622
Net loans and leases to deposits	85.9769%	3,558
Net loans and leases to core deposits	97.5601%	4,736
Total domestic deposits to total assets	86.4249%	2,553
Equity capital to assets	10.6315%	3,268
Core capital (leverage) ratio	10.6686%	2,688
Tier 1 risk-based capital ratio	14.1738%	3,420
Total risk-based capital ratio	15.1037%	3,540
Memoranda:
Average total assets	$123,277,000	4,551
Average earning assets	$112,343,670	4,559
Average equity	$13,619,330	4,390
Average total loans	$94,547,000	4,155
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9248%	2,672
Cost of funding earning assets	1.8914%	4,671
Net interest margin	4.0333%	2,520
Noninterest income to average assets	0.7771%	2,446
Noninterest expense to average assets	2.6442%	5,245
Loan and lease loss provision to assets	0.2470%	4,000
Net operating income to assets	1.0043%	2,295
Return on assets (ROA)	1.0043%	2,434
Pretax return on assets	1.5444%	1,546
Return on Equity (ROE)	8.9155%	2,755
Retained earnings to average equity (ytd only)	8.9155%	1,509
Net charge-offs to loans	0.4457%	2,333
Credit loss provision to net charge-offs	71.4286%	4,328
Earnings coverage of net charge-offs (x)	5.1810%	2,729
Efficiency ratio	59.6140%	6,455
Assets per employee ($millions)	3.0310%	6,070
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	0.9189%	6,659
Loan loss allowance to noncurrent loans	112.9702%	2,740
Noncurrent assets plus other real estate owned to assets	0.7379%	5,319
Noncurrent loans to loans	0.8134%	5,411
Net loans and leases to total assets	75.5739%	2,372
Net loans and leases to deposits	88.3635%	3,224
Net loans and leases to core deposits	100.1771%	4,521
Total domestic deposits to total assets	85.5262%	2,952
Equity capital to assets	10.7948%	3,190
Core capital (leverage) ratio	11.0374%	2,474
Tier 1 risk-based capital ratio	14.0751%	3,538
Total risk-based capital ratio	15.0009%	3,642
Memoranda:
Average total assets	$121,472,000	4,605
Average earning assets	$110,181,500	4,633
Average equity	$13,684,000	4,404
Average total loans	$94,241,000	4,202
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.4756%	3,088
Cost of funding earning assets	2.3222%	5,053
Net interest margin	4.1534%	2,487
Noninterest income to average assets	0.8533%	2,210
Noninterest expense to average assets	2.7753%	4,929
Loan and lease loss provision to assets	0.1778%	5,116
Net operating income to assets	1.1599%	1,908
Return on assets (ROA)	1.1656%	1,817
Pretax return on assets	1.7373%	1,072
Return on Equity (ROE)	10.2149%	2,181
Retained earnings to average equity (ytd only)	7.3965%	1,021
Net charge-offs to loans	0.1246%	4,993
Credit loss provision to net charge-offs	184.9558%	2,680
Earnings coverage of net charge-offs (x)	19.8319%	1,606
Efficiency ratio	59.2768%	6,480
Assets per employee ($millions)	2.8944%	6,326
Cash dividends to net income (ytd only)*	27.5912%	4,196
Condition Ratios (%)
Loss allowance to loans	0.9617%	6,330
Loan loss allowance to noncurrent loans	100.1111%	3,453
Noncurrent assets plus other real estate owned to assets	0.8915%	4,626
Noncurrent loans to loans	0.9606%	4,681
Net loans and leases to total assets	78.1927%	2,085
Net loans and leases to deposits	91.0270%	3,287
Net loans and leases to core deposits	103.4355%	4,448
Total domestic deposits to total assets	85.9005%	2,449
Equity capital to assets	11.7577%	2,464
Core capital (leverage) ratio	11.7159%	2,118
Tier 1 risk-based capital ratio	14.3643%	3,354
Total risk-based capital ratio	15.3030%	3,442
Memoranda:
Average total assets	$117,538,400	4,579
Average earning assets	$108,344,400	4,553
Average equity	$13,411,800	4,471
Average total loans	$90,716,600	4,204