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First State Bank, 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	5.0834%	1,893
Cost of funding earning assets	1.7406%	1,374
Net interest margin	3.3428%	2,529
Noninterest income to average assets	0.4700%	2,124
Noninterest expense to average assets	2.0476%	3,520
Loan and lease loss provision to assets	0.1200%	1,068
Net operating income to assets	1.0643%	2,024
Return on assets (ROA)	1.0645%	1,993
Pretax return on assets	1.4295%	1,576
Return on Equity (ROE)	11.0800%	2,203
Retained earnings to average equity (ytd only)	8.5928%	1,368
Net charge-offs to loans	0.0060%	2,479
Credit loss provision to net charge-offs	2,857.1429%	171
Earnings coverage of net charge-offs (x)	370.5714%	374
Efficiency ratio	56.9365%	3,402
Assets per employee ($millions)	8.0004%	1,440
Cash dividends to net income (ytd only)*	22.4341%	2,852
Condition Ratios (%)
Loss allowance to loans	1.2908%	1,813
Loan loss allowance to noncurrent loans	4,310.2804%	276
Noncurrent assets plus other real estate owned to assets	0.0203%	3,596
Noncurrent loans to loans	0.0299%	3,523
Net loans and leases to total assets	66.7900%	2,170
Net loans and leases to deposits	76.0271%	2,450
Net loans and leases to core deposits	94.0345%	1,773
Total domestic deposits to total assets	87.8500%	1,404
Equity capital to assets	9.7463%	2,162
Core capital (leverage) ratio	11.1713%	1,846
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.2636%	1,214
Memoranda:
Average total assets	$502,490,000	1,721
Average earning assets	$470,535,400	1,710
Average equity	$48,284,600	1,651
Average total loans	$352,890,600	1,603
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9310%	1,997
Cost of funding earning assets	1.6026%	1,369
Net interest margin	3.3285%	2,623
Noninterest income to average assets	0.4000%	2,484
Noninterest expense to average assets	2.0175%	3,550
Loan and lease loss provision to assets	0.1200%	978
Net operating income to assets	1.0159%	2,319
Return on assets (ROA)	1.0162%	2,301
Pretax return on assets	1.3771%	1,831
Return on Equity (ROE)	10.6200%	2,476
Retained earnings to average equity (ytd only)	8.0885%	1,931
Net charge-offs to loans	0.0015%	2,545
Credit loss provision to net charge-offs	11,250.0000%	44
Earnings coverage of net charge-offs (x)	1,393.2500%	114
Efficiency ratio	57.3930%	3,272
Assets per employee ($millions)	7.9357%	1,376
Cash dividends to net income (ytd only)*	23.8032%	2,305
Condition Ratios (%)
Loss allowance to loans	1.2420%	2,159
Loan loss allowance to noncurrent loans	7,340.9836%	168
Noncurrent assets plus other real estate owned to assets	0.0120%	3,730
Noncurrent loans to loans	0.0169%	3,665
Net loans and leases to total assets	70.1100%	1,814
Net loans and leases to deposits	80.0808%	2,043
Net loans and leases to core deposits	99.4767%	1,347
Total domestic deposits to total assets	87.5500%	1,718
Equity capital to assets	9.5159%	2,085
Core capital (leverage) ratio	11.2935%	1,792
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.6965%	1,381
Memoranda:
Average total assets	$496,105,750	1,737
Average earning assets	$463,746,500	1,730
Average equity	$47,490,000	1,659
Average total loans	$351,789,750	1,606
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7194%	2,166
Cost of funding earning assets	1.4008%	1,446
Net interest margin	3.3186%	2,709
Noninterest income to average assets	0.3900%	2,505
Noninterest expense to average assets	2.0042%	3,586
Loan and lease loss provision to assets	0.1200%	954
Net operating income to assets	0.9896%	2,455
Return on assets (ROA)	0.9899%	2,442
Pretax return on assets	1.3658%	1,900
Return on Equity (ROE)	10.3200%	2,618
Retained earnings to average equity (ytd only)	7.7780%	2,042
Net charge-offs to loans	0.0011%	2,365
Credit loss provision to net charge-offs	15,000.0000%	36
Earnings coverage of net charge-offs (x)	1,830.0000%	74
Efficiency ratio	57.4022%	3,268
Assets per employee ($millions)	7.6375%	1,517
Cash dividends to net income (ytd only)*	24.6305%	2,266
Condition Ratios (%)
Loss allowance to loans	1.2171%	2,365
Loan loss allowance to noncurrent loans	6,464.1791%	213
Noncurrent assets plus other real estate owned to assets	0.0135%	3,706
Noncurrent loans to loans	0.0188%	3,627
Net loans and leases to total assets	70.8100%	1,657
Net loans and leases to deposits	81.2631%	1,889
Net loans and leases to core deposits	101.1627%	1,176
Total domestic deposits to total assets	87.1300%	1,887
Equity capital to assets	9.6232%	2,080
Core capital (leverage) ratio	11.3614%	1,700
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.3766%	1,461
Memoranda:
Average total assets	$492,178,667	1,742
Average earning assets	$459,596,333	1,737
Average equity	$47,210,000	1,670
Average total loans	$348,867,000	1,605
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5478%	2,194
Cost of funding earning assets	1.1339%	1,653
Net interest margin	3.4139%	2,597
Noninterest income to average assets	0.4100%	2,332
Noninterest expense to average assets	2.0169%	3,591
Loan and lease loss provision to assets	0.1200%	916
Net operating income to assets	1.0995%	2,228
Return on assets (ROA)	1.0995%	2,195
Pretax return on assets	1.4521%	1,764
Return on Equity (ROE)	11.4800%	2,359
Retained earnings to average equity (ytd only)	8.9242%	1,969
Net charge-offs to loans	-0.0023%	3,452
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	56.1591%	3,396
Assets per employee ($millions)	7.6737%	1,520
Cash dividends to net income (ytd only)*	22.2717%	1,927
Condition Ratios (%)
Loss allowance to loans	1.1976%	2,565
Loan loss allowance to noncurrent loans	5,892.9577%	264
Noncurrent assets plus other real estate owned to assets	0.0142%	3,710
Noncurrent loans to loans	0.0203%	3,632
Net loans and leases to total assets	69.2000%	1,704
Net loans and leases to deposits	79.8438%	1,825
Net loans and leases to core deposits	95.1089%	1,326
Total domestic deposits to total assets	86.6700%	2,382
Equity capital to assets	9.5352%	2,114
Core capital (leverage) ratio	11.4072%	1,603
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.2094%	1,571
Memoranda:
Average total assets	$490,050,000	1,766
Average earning assets	$457,188,500	1,752
Average equity	$46,928,500	1,690
Average total loans	$345,379,500	1,635
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6713%	2,609
Cost of funding earning assets	0.4738%	1,559
Net interest margin	3.1975%	2,871
Noninterest income to average assets	0.4500%	2,387
Noninterest expense to average assets	1.8799%	3,875
Loan and lease loss provision to assets	0.0400%	2,129
Net operating income to assets	1.1629%	1,924
Return on assets (ROA)	1.1529%	1,904
Pretax return on assets	1.5251%	1,383
Return on Equity (ROE)	12.3800%	2,011
Retained earnings to average equity (ytd only)	10.2059%	1,095
Net charge-offs to loans	-0.0006%	3,320
Credit loss provision to net charge-offs	0.0000%	1,979
Earnings coverage of net charge-offs (x)	0.0000%	2,564
Efficiency ratio	54.4227%	3,759
Assets per employee ($millions)	7.6398%	1,522
Cash dividends to net income (ytd only)*	17.5871%	2,982
Condition Ratios (%)
Loss allowance to loans	1.2689%	2,053
Loan loss allowance to noncurrent loans	5,700.0000%	267
Noncurrent assets plus other real estate owned to assets	0.0158%	3,696
Noncurrent loans to loans	0.0223%	3,640
Net loans and leases to total assets	70.0300%	1,639
Net loans and leases to deposits	80.1443%	1,761
Net loans and leases to core deposits	89.8953%	1,509
Total domestic deposits to total assets	87.3800%	2,277
Equity capital to assets	9.6188%	1,926
Core capital (leverage) ratio	10.6845%	2,044
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.2500%	1,548
Memoranda:
Average total assets	$493,209,600	1,738
Average earning assets	$464,145,800	1,715
Average equity	$45,914,800	1,732
Average total loans	$311,565,800	1,671
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4114%	2,883
Cost of funding earning assets	0.3629%	1,587
Net interest margin	3.0485%	3,082
Noninterest income to average assets	0.4300%	2,559
Noninterest expense to average assets	1.8377%	3,904
Loan and lease loss provision to assets	0.0400%	1,932
Net operating income to assets	1.0808%	2,169
Return on assets (ROA)	1.0808%	2,133
Pretax return on assets	1.4274%	1,639
Return on Equity (ROE)	11.7000%	2,139
Retained earnings to average equity (ytd only)	9.5212%	1,478
Net charge-offs to loans	-0.0004%	3,128
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	0.0000%	2,297
Efficiency ratio	55.6650%	3,655
Assets per employee ($millions)	8.3495%	1,144
Cash dividends to net income (ytd only)*	18.6474%	2,523
Condition Ratios (%)
Loss allowance to loans	1.3320%	1,879
Loan loss allowance to noncurrent loans	2,896.6216%	424
Noncurrent assets plus other real estate owned to assets	0.0425%	3,482
Noncurrent loans to loans	0.0460%	3,555
Net loans and leases to total assets	63.3900%	2,154
Net loans and leases to deposits	71.0051%	2,289
Net loans and leases to core deposits	76.4359%	2,168
Total domestic deposits to total assets	89.2700%	1,973
Equity capital to assets	8.7964%	2,349
Core capital (leverage) ratio	10.3144%	2,273
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.8073%	1,480
Memoranda:
Average total assets	$496,185,000	1,735
Average earning assets	$467,758,750	1,713
Average equity	$45,819,500	1,755
Average total loans	$304,107,500	1,695
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2064%	3,022
Cost of funding earning assets	0.3093%	1,638
Net interest margin	2.8971%	3,180
Noninterest income to average assets	0.4699%	2,352
Noninterest expense to average assets	1.8104%	3,926
Loan and lease loss provision to assets	0.0364%	1,934
Net operating income to assets	1.0251%	2,070
Return on assets (ROA)	1.0251%	2,037
Pretax return on assets	1.3579%	1,560
Return on Equity (ROE)	10.9259%	2,004
Retained earnings to average equity (ytd only)	8.7709%	1,352
Net charge-offs to loans	0.0007%	2,133
Credit loss provision to net charge-offs	9,000.0000%	60
Earnings coverage of net charge-offs (x)	3,448.0000%	23
Efficiency ratio	56.4921%	3,723
Assets per employee ($millions)	8.5216%	1,059
Cash dividends to net income (ytd only)*	19.7239%	2,468
Condition Ratios (%)
Loss allowance to loans	1.3826%	1,825
Loan loss allowance to noncurrent loans	2,734.8387%	422
Noncurrent assets plus other real estate owned to assets	0.0438%	3,548
Noncurrent loans to loans	0.0506%	3,569
Net loans and leases to total assets	60.1366%	2,312
Net loans and leases to deposits	67.3189%	2,442
Net loans and leases to core deposits	72.2057%	2,317
Total domestic deposits to total assets	89.3309%	2,033
Equity capital to assets	8.7306%	2,592
Core capital (leverage) ratio	9.9880%	2,411
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.3553%	1,340
Memoranda:
Average total assets	$494,590,333	1,741
Average earning assets	$466,877,000	1,731
Average equity	$46,403,667	1,782
Average total loans	$298,198,000	1,710
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0785%	3,042
Cost of funding earning assets	0.2978%	1,680
Net interest margin	2.7807%	3,198
Noninterest income to average assets	0.4811%	2,229
Noninterest expense to average assets	1.7916%	3,956
Loan and lease loss provision to assets	0.0367%	1,702
Net operating income to assets	0.9370%	2,122
Return on assets (ROA)	0.9370%	2,114
Pretax return on assets	1.2877%	1,546
Return on Equity (ROE)	9.6437%	2,105
Retained earnings to average equity (ytd only)	7.5454%	1,719
Net charge-offs to loans	0.0000%	1,838
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	57.4980%	3,736
Assets per employee ($millions)	9.2170%	852
Cash dividends to net income (ytd only)*	21.7581%	1,947
Condition Ratios (%)
Loss allowance to loans	1.4224%	1,823
Loan loss allowance to noncurrent loans	2,621.8750%	438
Noncurrent assets plus other real estate owned to assets	0.0436%	3,599
Noncurrent loans to loans	0.0543%	3,594
Net loans and leases to total assets	56.3274%	2,501
Net loans and leases to deposits	63.2400%	2,598
Net loans and leases to core deposits	68.7449%	2,392
Total domestic deposits to total assets	89.0693%	2,049
Equity capital to assets	8.9761%	2,728
Core capital (leverage) ratio	10.3121%	2,004
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.7873%	1,312
Memoranda:
Average total assets	$490,499,500	1,766
Average earning assets	$464,768,000	1,742
Average equity	$47,658,000	1,801
Average total loans	$294,002,500	1,723
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4880%	2,692
Cost of funding earning assets	0.3804%	1,681
Net interest margin	3.1076%	2,882
Noninterest income to average assets	0.5856%	2,223
Noninterest expense to average assets	2.0545%	3,518
Loan and lease loss provision to assets	0.0343%	2,370
Net operating income to assets	1.0739%	2,395
Return on assets (ROA)	1.0775%	2,452
Pretax return on assets	1.4207%	1,978
Return on Equity (ROE)	11.4250%	2,009
Retained earnings to average equity (ytd only)	9.7259%	984
Net charge-offs to loans	-0.0227%	4,025
Credit loss provision to net charge-offs	-245.9016%	3,567
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	58.6180%	3,342
Assets per employee ($millions)	8.1552%	1,245
Cash dividends to net income (ytd only)*	14.8715%	3,196
Condition Ratios (%)
Loss allowance to loans	1.4160%	1,859
Loan loss allowance to noncurrent loans	2,500.0000%	442
Noncurrent assets plus other real estate owned to assets	0.0497%	3,641
Noncurrent loans to loans	0.0566%	3,670
Net loans and leases to total assets	62.1548%	1,919
Net loans and leases to deposits	71.1507%	2,001
Net loans and leases to core deposits	77.6501%	1,790
Total domestic deposits to total assets	87.3565%	2,357
Equity capital to assets	10.5380%	2,135
Core capital (leverage) ratio	10.3630%	2,024
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.9923%	1,264
Memoranda:
Average total assets	$436,838,400	1,873
Average earning assets	$410,378,600	1,867
Average equity	$41,199,200	2,042
Average total loans	$269,283,000	1,840
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5609%	2,662
Cost of funding earning assets	0.3817%	1,846
Net interest margin	3.1792%	2,794
Noninterest income to average assets	0.6123%	2,164
Noninterest expense to average assets	2.0730%	3,447
Loan and lease loss provision to assets	0.0465%	2,070
Net operating income to assets	1.1112%	2,511
Return on assets (ROA)	1.1161%	2,548
Pretax return on assets	1.4777%	2,054
Return on Equity (ROE)	12.2214%	1,971
Retained earnings to average equity (ytd only)	10.4381%	1,188
Net charge-offs to loans	-0.0309%	4,144
Credit loss provision to net charge-offs	-245.9016%	3,435
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	57.7265%	3,314
Assets per employee ($millions)	8.0212%	1,259
Cash dividends to net income (ytd only)*	14.5914%	2,795
Condition Ratios (%)
Loss allowance to loans	1.4879%	1,681
Loan loss allowance to noncurrent loans	2,399.4220%	409
Noncurrent assets plus other real estate owned to assets	0.0503%	3,809
Noncurrent loans to loans	0.0620%	3,788
Net loans and leases to total assets	58.0725%	2,482
Net loans and leases to deposits	65.3089%	2,696
Net loans and leases to core deposits	70.9066%	2,521
Total domestic deposits to total assets	88.9198%	1,328
Equity capital to assets	8.9403%	3,886
Core capital (leverage) ratio	9.0677%	3,474
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.3347%	1,852
Memoranda:
Average total assets	$429,835,750	1,916
Average earning assets	$402,730,250	1,909
Average equity	$39,252,500	2,133
Average total loans	$263,334,750	1,897
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5908%	2,654
Cost of funding earning assets	0.3892%	1,976
Net interest margin	3.2016%	2,751
Noninterest income to average assets	0.6385%	2,052
Noninterest expense to average assets	2.1205%	3,330
Loan and lease loss provision to assets	0.0722%	1,622
Net operating income to assets	1.1070%	2,519
Return on assets (ROA)	1.1070%	2,585
Pretax return on assets	1.4599%	2,139
Return on Equity (ROE)	12.0262%	2,051
Retained earnings to average equity (ytd only)	10.1953%	1,344
Net charge-offs to loans	-0.0077%	3,574
Credit loss provision to net charge-offs	-1,500.0000%	3,754
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	58.0543%	3,277
Assets per employee ($millions)	7.8970%	1,261
Cash dividends to net income (ytd only)*	15.2240%	2,700
Condition Ratios (%)
Loss allowance to loans	1.5678%	1,362
Loan loss allowance to noncurrent loans	2,303.3708%	380
Noncurrent assets plus other real estate owned to assets	0.0540%	3,872
Noncurrent loans to loans	0.0681%	3,851
Net loans and leases to total assets	57.1847%	2,767
Net loans and leases to deposits	64.5395%	2,942
Net loans and leases to core deposits	70.3560%	2,745
Total domestic deposits to total assets	88.6042%	1,503
Equity capital to assets	9.1118%	3,697
Core capital (leverage) ratio	9.2416%	3,178
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.1594%	1,575
Memoranda:
Average total assets	$415,365,000	1,951
Average earning assets	$391,057,000	1,950
Average equity	$38,233,333	2,164
Average total loans	$258,120,333	1,923
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9409%	1,723
Cost of funding earning assets	0.4014%	2,084
Net interest margin	3.5396%	1,727
Noninterest income to average assets	0.7136%	1,831
Noninterest expense to average assets	2.1398%	3,304
Loan and lease loss provision to assets	0.0754%	1,676
Net operating income to assets	1.3669%	1,644
Return on assets (ROA)	1.3669%	1,729
Pretax return on assets	1.8222%	1,251
Return on Equity (ROE)	14.7656%	1,264
Retained earnings to average equity (ytd only)	12.8656%	950
Net charge-offs to loans	-0.0094%	3,645
Credit loss provision to net charge-offs	-1,250.0000%	3,414
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	52.9998%	3,911
Assets per employee ($millions)	7.3716%	1,542
Cash dividends to net income (ytd only)*	12.8676%	2,189
Condition Ratios (%)
Loss allowance to loans	1.5890%	1,324
Loan loss allowance to noncurrent loans	2,127.5132%	354
Noncurrent assets plus other real estate owned to assets	0.0615%	3,936
Noncurrent loans to loans	0.0747%	3,919
Net loans and leases to total assets	60.3261%	2,500
Net loans and leases to deposits	68.2776%	2,671
Net loans and leases to core deposits	74.3789%	2,479
Total domestic deposits to total assets	88.3542%	1,681
Equity capital to assets	9.0306%	3,649
Core capital (leverage) ratio	9.4211%	3,124
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.7939%	1,643
Memoranda:
Average total assets	$397,982,000	2,000
Average earning assets	$373,717,500	1,988
Average equity	$36,842,500	2,212
Average total loans	$256,427,500	1,930
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0151%	2,682
Cost of funding earning assets	0.6372%	2,072
Net interest margin	3.3778%	2,844
Noninterest income to average assets	0.7055%	1,848
Noninterest expense to average assets	2.3801%	3,177
Loan and lease loss provision to assets	0.2097%	1,873
Net operating income to assets	0.9403%	2,523
Return on assets (ROA)	0.9548%	2,609
Pretax return on assets	1.2668%	2,099
Return on Equity (ROE)	9.4620%	2,217
Retained earnings to average equity (ytd only)	8.9568%	780
Net charge-offs to loans	0.0033%	3,256
Credit loss provision to net charge-offs	9,000.0000%	118
Earnings coverage of net charge-offs (x)	625.7500%	186
Efficiency ratio	62.0096%	3,129
Assets per employee ($millions)	7.0955%	1,518
Cash dividends to net income (ytd only)*	5.3386%	3,645
Condition Ratios (%)
Loss allowance to loans	1.5165%	1,527
Loan loss allowance to noncurrent loans	3,007.6336%	295
Noncurrent assets plus other real estate owned to assets	0.0512%	4,086
Noncurrent loans to loans	0.0504%	4,092
Net loans and leases to total assets	66.7778%	1,981
Net loans and leases to deposits	76.1137%	2,270
Net loans and leases to core deposits	82.9461%	2,123
Total domestic deposits to total assets	87.7342%	1,595
Equity capital to assets	9.5016%	3,610
Core capital (leverage) ratio	9.3780%	3,251
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.3491%	1,726
Memoranda:
Average total assets	$343,309,400	2,085
Average earning assets	$318,399,800	2,086
Average equity	$34,644,000	2,245
Average total loans	$239,016,800	1,975
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1508%	2,521
Cost of funding earning assets	0.6896%	2,091
Net interest margin	3.4612%	2,714
Noninterest income to average assets	0.7339%	1,688
Noninterest expense to average assets	2.4442%	3,012
Loan and lease loss provision to assets	0.1680%	2,320
Net operating income to assets	1.0072%	2,314
Return on assets (ROA)	1.0271%	2,365
Pretax return on assets	1.3467%	1,886
Return on Equity (ROE)	10.0104%	2,018
Retained earnings to average equity (ytd only)	9.3282%	901
Net charge-offs to loans	0.0034%	3,051
Credit loss provision to net charge-offs	7,000.0000%	166
Earnings coverage of net charge-offs (x)	620.6667%	196
Efficiency ratio	62.1352%	3,052
Assets per employee ($millions)	6.7165%	1,666
Cash dividends to net income (ytd only)*	6.8146%	3,208
Condition Ratios (%)
Loss allowance to loans	1.4751%	1,456
Loan loss allowance to noncurrent loans	2,395.3947%	297
Noncurrent assets plus other real estate owned to assets	0.0411%	4,244
Noncurrent loans to loans	0.0616%	4,125
Net loans and leases to total assets	65.8310%	2,542
Net loans and leases to deposits	75.3226%	2,815
Net loans and leases to core deposits	82.7391%	2,601
Total domestic deposits to total assets	87.3988%	1,491
Equity capital to assets	9.6668%	3,542
Core capital (leverage) ratio	9.6784%	3,053
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.4195%	1,389
Memoranda:
Average total assets	$333,347,750	2,103
Average earning assets	$308,170,500	2,106
Average equity	$34,203,500	2,260
Average total loans	$233,820,250	2,005
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3345%	2,385
Cost of funding earning assets	0.7556%	2,077
Net interest margin	3.5789%	2,552
Noninterest income to average assets	0.7332%	1,629
Noninterest expense to average assets	2.5295%	2,883
Loan and lease loss provision to assets	0.0747%	3,362
Net operating income to assets	1.0342%	2,209
Return on assets (ROA)	1.0637%	2,223
Pretax return on assets	1.4739%	1,521
Return on Equity (ROE)	10.1420%	1,941
Retained earnings to average equity (ytd only)	9.1035%	980
Net charge-offs to loans	0.0044%	2,821
Credit loss provision to net charge-offs	2,400.0000%	422
Earnings coverage of net charge-offs (x)	485.6000%	213
Efficiency ratio	62.6001%	3,029
Assets per employee ($millions)	6.3554%	1,901
Cash dividends to net income (ytd only)*	10.2399%	3,021
Condition Ratios (%)
Loss allowance to loans	1.3692%	1,694
Loan loss allowance to noncurrent loans	2,337.7622%	263
Noncurrent assets plus other real estate owned to assets	0.0402%	4,338
Noncurrent loans to loans	0.0586%	4,240
Net loans and leases to total assets	67.6609%	2,415
Net loans and leases to deposits	78.0227%	2,648
Net loans and leases to core deposits	86.2415%	2,418
Total domestic deposits to total assets	86.7194%	1,727
Equity capital to assets	9.7802%	3,392
Core capital (leverage) ratio	9.9629%	2,876
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.2004%	1,446
Memoranda:
Average total assets	$321,327,667	2,142
Average earning assets	$296,963,000	2,143
Average equity	$33,701,333	2,277
Average total loans	$229,485,000	2,018
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7357%	1,601
Cost of funding earning assets	0.8481%	2,123
Net interest margin	3.8876%	1,708
Noninterest income to average assets	0.6854%	1,698
Noninterest expense to average assets	2.5865%	3,017
Loan and lease loss provision to assets	0.0789%	2,727
Net operating income to assets	1.1855%	1,565
Return on assets (ROA)	1.2354%	1,520
Pretax return on assets	1.6656%	921
Return on Equity (ROE)	11.3310%	1,313
Retained earnings to average equity (ytd only)	9.2193%	913
Net charge-offs to loans	0.0072%	2,313
Credit loss provision to net charge-offs	1,500.0000%	424
Earnings coverage of net charge-offs (x)	319.5000%	222
Efficiency ratio	60.6042%	3,663
Assets per employee ($millions)	5.7923%	1,846
Cash dividends to net income (ytd only)*	18.6368%	2,361
Condition Ratios (%)
Loss allowance to loans	1.4630%	1,476
Loan loss allowance to noncurrent loans	2,203.3557%	272
Noncurrent assets plus other real estate owned to assets	0.0476%	4,368
Noncurrent loans to loans	0.0664%	4,273
Net loans and leases to total assets	70.6948%	2,137
Net loans and leases to deposits	82.8877%	2,346
Net loans and leases to core deposits	92.0977%	2,144
Total domestic deposits to total assets	85.2898%	2,294
Equity capital to assets	10.6713%	3,173
Core capital (leverage) ratio	10.6456%	2,789
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.6871%	1,691
Memoranda:
Average total assets	$304,040,000	2,186
Average earning assets	$280,171,500	2,197
Average equity	$33,148,000	2,295
Average total loans	$222,152,500	2,037
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9776%	1,537
Cost of funding earning assets	0.9210%	2,110
Net interest margin	4.0567%	1,661
Noninterest income to average assets	0.6601%	1,963
Noninterest expense to average assets	2.5920%	3,196
Loan and lease loss provision to assets	0.0831%	2,347
Net operating income to assets	1.2722%	1,794
Return on assets (ROA)	1.2790%	1,849
Pretax return on assets	1.7186%	1,142
Return on Equity (ROE)	11.4982%	1,692
Retained earnings to average equity (ytd only)	5.1190%	2,357
Net charge-offs to loans	0.0046%	3,507
Credit loss provision to net charge-offs	2,400.0000%	161
Earnings coverage of net charge-offs (x)	518.0000%	182
Efficiency ratio	59.1096%	3,826
Assets per employee ($millions)	5.5716%	2,007
Cash dividends to net income (ytd only)*	55.4804%	1,774
Condition Ratios (%)
Loss allowance to loans	1.4675%	1,316
Loan loss allowance to noncurrent loans	1,132.2807%	521
Noncurrent assets plus other real estate owned to assets	0.0965%	4,139
Noncurrent loans to loans	0.1296%	4,001
Net loans and leases to total assets	73.3749%	1,861
Net loans and leases to deposits	86.2236%	2,056
Net loans and leases to core deposits	95.9754%	1,904
Total domestic deposits to total assets	85.0983%	2,452
Equity capital to assets	11.1475%	2,861
Core capital (leverage) ratio	10.9404%	2,551
Tier 1 risk-based capital ratio	14.4452%	3,046
Total risk-based capital ratio	15.6970%	2,940
Memoranda:
Average total assets	$288,891,400	2,230
Average earning assets	$265,267,000	2,245
Average equity	$32,135,400	2,296
Average total loans	$215,598,400	2,050
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9769%	1,603
Cost of funding earning assets	0.9098%	2,189
Net interest margin	4.0671%	1,710
Noninterest income to average assets	0.6525%	1,977
Noninterest expense to average assets	2.5456%	3,310
Loan and lease loss provision to assets	0.0835%	2,237
Net operating income to assets	1.3318%	1,716
Return on assets (ROA)	1.3380%	1,761
Pretax return on assets	1.7659%	1,166
Return on Equity (ROE)	12.0348%	1,607
Retained earnings to average equity (ytd only)	6.0863%	2,329
Net charge-offs to loans	0.0118%	2,940
Credit loss provision to net charge-offs	947.3684%	375
Earnings coverage of net charge-offs (x)	208.8642%	432
Efficiency ratio	58.0239%	3,936
Assets per employee ($millions)	5.7058%	1,844
Cash dividends to net income (ytd only)*	49.4277%	1,709
Condition Ratios (%)
Loss allowance to loans	1.4163%	1,509
Loan loss allowance to noncurrent loans	1,049.1694%	567
Noncurrent assets plus other real estate owned to assets	0.1014%	4,207
Noncurrent loans to loans	0.1350%	4,048
Net loans and leases to total assets	74.0885%	1,803
Net loans and leases to deposits	85.8076%	2,216
Net loans and leases to core deposits	95.3563%	2,046
Total domestic deposits to total assets	86.3425%	1,851
Equity capital to assets	11.0326%	3,073
Core capital (leverage) ratio	11.2544%	2,423
Tier 1 risk-based capital ratio	14.1401%	3,260
Total risk-based capital ratio	15.3916%	3,162
Memoranda:
Average total assets	$287,290,250	2,251
Average earning assets	$263,799,000	2,265
Average equity	$31,939,750	2,319
Average total loans	$214,523,000	2,078
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9462%	1,623
Cost of funding earning assets	0.9010%	2,134
Net interest margin	4.0451%	1,781
Noninterest income to average assets	0.6412%	1,968
Noninterest expense to average assets	2.4825%	3,539
Loan and lease loss provision to assets	0.0845%	2,155
Net operating income to assets	1.3704%	1,516
Return on assets (ROA)	1.3704%	1,574
Pretax return on assets	1.8061%	1,011
Return on Equity (ROE)	12.2936%	1,478
Retained earnings to average equity (ytd only)	7.2423%	1,705
Net charge-offs to loans	0.0066%	2,915
Credit loss provision to net charge-offs	1,714.2857%	219
Earnings coverage of net charge-offs (x)	383.7143%	206
Efficiency ratio	56.7681%	4,153
Assets per employee ($millions)	5.4645%	1,995
Cash dividends to net income (ytd only)*	41.0889%	2,157
Condition Ratios (%)
Loss allowance to loans	1.4120%	1,566
Loan loss allowance to noncurrent loans	987.3016%	602
Noncurrent assets plus other real estate owned to assets	0.1088%	4,209
Noncurrent loans to loans	0.1430%	4,043
Net loans and leases to total assets	74.9746%	1,726
Net loans and leases to deposits	87.0419%	2,123
Net loans and leases to core deposits	97.5266%	1,926
Total domestic deposits to total assets	86.1362%	1,962
Equity capital to assets	11.1851%	2,875
Core capital (leverage) ratio	10.9304%	2,662
Tier 1 risk-based capital ratio	14.1981%	3,213
Total risk-based capital ratio	15.4493%	3,130
Memoranda:
Average total assets	$284,153,000	2,270
Average earning assets	$262,143,000	2,285
Average equity	$31,675,000	2,326
Average total loans	$211,704,000	2,102
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8307%	1,817
Cost of funding earning assets	0.8636%	2,188
Net interest margin	3.9671%	1,959
Noninterest income to average assets	0.6027%	2,028
Noninterest expense to average assets	2.4391%	3,660
Loan and lease loss provision to assets	0.0853%	1,995
Net operating income to assets	1.3304%	1,595
Return on assets (ROA)	1.3304%	1,634
Pretax return on assets	1.7412%	1,113
Return on Equity (ROE)	11.9557%	1,547
Retained earnings to average equity (ytd only)	9.7204%	1,100
Net charge-offs to loans	0.0077%	2,420
Credit loss provision to net charge-offs	1,500.0000%	254
Earnings coverage of net charge-offs (x)	321.2500%	252
Efficiency ratio	57.1809%	4,190
Assets per employee ($millions)	5.7907%	1,709
Cash dividends to net income (ytd only)*	18.6966%	2,500
Condition Ratios (%)
Loss allowance to loans	1.4527%	1,501
Loan loss allowance to noncurrent loans	997.7124%	602
Noncurrent assets plus other real estate owned to assets	0.1036%	4,295
Noncurrent loans to loans	0.1456%	4,083
Net loans and leases to total assets	70.1277%	2,458
Net loans and leases to deposits	81.0539%	2,719
Net loans and leases to core deposits	90.4570%	2,450
Total domestic deposits to total assets	86.5199%	2,058
Equity capital to assets	10.7526%	3,100
Core capital (leverage) ratio	11.0512%	2,528
Tier 1 risk-based capital ratio	14.8555%	2,935
Total risk-based capital ratio	16.1077%	2,868
Memoranda:
Average total assets	$281,420,500	2,306
Average earning assets	$259,839,000	2,316
Average equity	$31,315,500	2,339
Average total loans	$207,431,000	2,153
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6903%	1,852
Cost of funding earning assets	0.4855%	3,441
Net interest margin	4.2047%	1,380
Noninterest income to average assets	0.6626%	2,001
Noninterest expense to average assets	2.6501%	3,179
Loan and lease loss provision to assets	0.0928%	2,295
Net operating income to assets	1.3690%	1,536
Return on assets (ROA)	1.3690%	1,525
Pretax return on assets	1.7987%	924
Return on Equity (ROE)	11.8680%	1,762
Retained earnings to average equity (ytd only)	7.8438%	1,311
Net charge-offs to loans	-0.0347%	4,862
Credit loss provision to net charge-offs	-347.8261%	4,570
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	58.3511%	4,107
Assets per employee ($millions)	5.0475%	2,436
Cash dividends to net income (ytd only)*	33.9079%	2,855
Condition Ratios (%)
Loss allowance to loans	1.4641%	1,404
Loan loss allowance to noncurrent loans	939.4984%	650
Noncurrent assets plus other real estate owned to assets	0.1192%	4,230
Noncurrent loans to loans	0.1558%	4,039
Net loans and leases to total assets	75.4001%	1,711
Net loans and leases to deposits	88.5426%	1,987
Net loans and leases to core deposits	99.6980%	1,733
Total domestic deposits to total assets	85.1568%	2,584
Equity capital to assets	11.5417%	2,227
Core capital (leverage) ratio	11.9370%	1,780
Tier 1 risk-based capital ratio	14.8527%	2,906
Total risk-based capital ratio	16.1048%	2,834
Memoranda:
Average total assets	$258,516,200	2,412
Average earning assets	$238,493,600	2,423
Average equity	$29,819,800	2,347
Average total loans	$198,866,200	2,182
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5795%	2,038
Cost of funding earning assets	0.4315%	3,654
Net interest margin	4.1480%	1,500
Noninterest income to average assets	0.6821%	1,920
Noninterest expense to average assets	2.6279%	3,207
Loan and lease loss provision to assets	0.0936%	2,104
Net operating income to assets	1.3642%	1,608
Return on assets (ROA)	1.3642%	1,610
Pretax return on assets	1.7866%	1,042
Return on Equity (ROE)	11.8282%	1,860
Retained earnings to average equity (ytd only)	9.4599%	1,056
Net charge-offs to loans	-0.0466%	4,907
Credit loss provision to net charge-offs	-260.8696%	4,370
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	58.2920%	4,073
Assets per employee ($millions)	4.8634%	2,646
Cash dividends to net income (ytd only)*	20.0228%	3,012
Condition Ratios (%)
Loss allowance to loans	1.4301%	1,593
Loan loss allowance to noncurrent loans	898.1651%	653
Noncurrent assets plus other real estate owned to assets	0.1269%	4,328
Noncurrent loans to loans	0.1592%	4,165
Net loans and leases to total assets	78.5345%	1,249
Net loans and leases to deposits	91.8683%	1,641
Net loans and leases to core deposits	100.2744%	1,767
Total domestic deposits to total assets	85.4860%	2,402
Equity capital to assets	11.8607%	1,999
Core capital (leverage) ratio	12.0356%	1,766
Tier 1 risk-based capital ratio	14.6570%	3,041
Total risk-based capital ratio	15.9085%	2,968
Memoranda:
Average total assets	$256,266,000	2,447
Average earning assets	$236,378,750	2,457
Average equity	$29,555,750	2,365
Average total loans	$197,406,500	2,204
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4878%	2,127
Cost of funding earning assets	0.4028%	3,701
Net interest margin	4.0850%	1,605
Noninterest income to average assets	0.7053%	1,852
Noninterest expense to average assets	2.5992%	3,330
Loan and lease loss provision to assets	0.0938%	2,045
Net operating income to assets	1.3637%	1,557
Return on assets (ROA)	1.3637%	1,558
Pretax return on assets	1.7868%	994
Return on Equity (ROE)	11.9383%	1,749
Retained earnings to average equity (ytd only)	9.5424%	1,056
Net charge-offs to loans	-0.0575%	4,970
Credit loss provision to net charge-offs	-214.2857%	4,201
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	58.0206%	4,232
Assets per employee ($millions)	4.8021%	2,676
Cash dividends to net income (ytd only)*	20.0688%	2,990
Condition Ratios (%)
Loss allowance to loans	1.4394%	1,600
Loan loss allowance to noncurrent loans	1,049.0842%	569
Noncurrent assets plus other real estate owned to assets	0.1116%	4,437
Noncurrent loans to loans	0.1372%	4,289
Net loans and leases to total assets	77.0517%	1,461
Net loans and leases to deposits	89.7075%	1,878
Net loans and leases to core deposits	97.8446%	1,902
Total domestic deposits to total assets	85.8922%	2,331
Equity capital to assets	11.7543%	2,018
Core capital (leverage) ratio	11.7456%	1,877
Tier 1 risk-based capital ratio	14.7388%	3,000
Total risk-based capital ratio	15.9904%	2,928
Memoranda:
Average total assets	$255,768,670	2,463
Average earning assets	$236,329,330	2,461
Average equity	$29,217,000	2,401
Average total loans	$194,753,330	2,230
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3435%	2,371
Cost of funding earning assets	0.3766%	3,760
Net interest margin	3.9670%	1,822
Noninterest income to average assets	0.5725%	2,408
Noninterest expense to average assets	2.6256%	3,258
Loan and lease loss provision to assets	0.0936%	1,946
Net operating income to assets	1.1607%	2,175
Return on assets (ROA)	1.1607%	2,187
Pretax return on assets	1.5180%	1,634
Return on Equity (ROE)	10.3092%	2,272
Retained earnings to average equity (ytd only)	7.8843%	1,884
Net charge-offs to loans	-0.0395%	4,868
Credit loss provision to net charge-offs	-315.7895%	3,898
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	61.9661%	3,790
Assets per employee ($millions)	5.0125%	2,483
Cash dividends to net income (ytd only)*	23.5215%	2,314
Condition Ratios (%)
Loss allowance to loans	1.4333%	1,715
Loan loss allowance to noncurrent loans	745.8221%	774
Noncurrent assets plus other real estate owned to assets	0.1451%	4,358
Noncurrent loans to loans	0.1922%	4,104
Net loans and leases to total assets	74.4359%	1,795
Net loans and leases to deposits	86.7390%	2,077
Net loans and leases to core deposits	102.5098%	1,485
Total domestic deposits to total assets	85.8160%	2,626
Equity capital to assets	11.3844%	2,228
Core capital (leverage) ratio	11.5371%	1,980
Tier 1 risk-based capital ratio	14.4520%	3,145
Total risk-based capital ratio	15.7034%	3,057
Memoranda:
Average total assets	$256,397,500	2,471
Average earning assets	$236,857,000	2,476
Average equity	$28,867,500	2,446
Average total loans	$192,645,500	2,251
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3859%	2,068
Cost of funding earning assets	0.3369%	3,824
Net interest margin	4.0489%	1,594
Noninterest income to average assets	0.7260%	1,863
Noninterest expense to average assets	2.5800%	3,507
Loan and lease loss provision to assets	0.0491%	3,242
Net operating income to assets	1.0708%	1,973
Return on assets (ROA)	1.0744%	1,979
Pretax return on assets	1.8233%	747
Return on Equity (ROE)	9.4481%	2,117
Retained earnings to average equity (ytd only)	6.9306%	1,108
Net charge-offs to loans	0.0663%	2,526
Credit loss provision to net charge-offs	96.7742%	2,666
Earnings coverage of net charge-offs (x)	36.8065%	1,328
Efficiency ratio	58.0206%	4,523
Assets per employee ($millions)	4.9453%	2,547
Cash dividends to net income (ytd only)*	26.6464%	3,437
Condition Ratios (%)
Loss allowance to loans	1.3983%	1,780
Loan loss allowance to noncurrent loans	700.0000%	846
Noncurrent assets plus other real estate owned to assets	0.1493%	4,393
Noncurrent loans to loans	0.1998%	4,111
Net loans and leases to total assets	73.7096%	1,970
Net loans and leases to deposits	86.3737%	2,213
Net loans and leases to core deposits	100.3654%	1,683
Total domestic deposits to total assets	85.3380%	2,710
Equity capital to assets	11.1341%	2,503
Core capital (leverage) ratio	11.3477%	2,062
Tier 1 risk-based capital ratio	14.0583%	3,329
Total risk-based capital ratio	15.3089%	3,227
Memoranda:
Average total assets	$244,497,200	2,532
Average earning assets	$224,676,800	2,550
Average equity	$27,804,400	2,496
Average total loans	$187,093,800	2,266
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3800%	2,014
Cost of funding earning assets	0.3291%	3,851
Net interest margin	4.0509%	1,537
Noninterest income to average assets	0.7337%	1,855
Noninterest expense to average assets	2.5994%	3,411
Loan and lease loss provision to assets	0.0331%	3,462
Net operating income to assets	1.1911%	1,733
Return on assets (ROA)	1.1961%	1,744
Pretax return on assets	1.8287%	827
Return on Equity (ROE)	10.4596%	1,921
Retained earnings to average equity (ytd only)	7.9232%	1,256
Net charge-offs to loans	0.1543%	1,317
Credit loss provision to net charge-offs	27.9070%	3,097
Earnings coverage of net charge-offs (x)	15.6093%	2,216
Efficiency ratio	58.3674%	4,454
Assets per employee ($millions)	4.6711%	2,873
Cash dividends to net income (ytd only)*	24.2494%	2,973
Condition Ratios (%)
Loss allowance to loans	1.3502%	2,117
Loan loss allowance to noncurrent loans	657.2539%	836
Noncurrent assets plus other real estate owned to assets	0.1559%	4,492
Noncurrent loans to loans	0.2054%	4,256
Net loans and leases to total assets	74.8734%	1,779
Net loans and leases to deposits	89.1344%	1,913
Net loans and leases to core deposits	103.0825%	1,461
Total domestic deposits to total assets	84.0005%	3,125
Equity capital to assets	11.4974%	2,376
Core capital (leverage) ratio	11.6995%	1,885
Tier 1 risk-based capital ratio	14.1996%	3,352
Total risk-based capital ratio	15.4497%	3,255
Memoranda:
Average total assets	$241,332,750	2,568
Average earning assets	$221,605,250	2,592
Average equity	$27,597,500	2,531
Average total loans	$185,808,250	2,288
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3344%	2,021
Cost of funding earning assets	0.3105%	3,968
Net interest margin	4.0239%	1,538
Noninterest income to average assets	0.7281%	1,871
Noninterest expense to average assets	2.5939%	3,450
Loan and lease loss provision to assets	0.0000%	3,871
Net operating income to assets	1.1961%	1,608
Return on assets (ROA)	1.2037%	1,622
Pretax return on assets	1.8399%	767
Return on Equity (ROE)	10.5461%	1,813
Retained earnings to average equity (ytd only)	7.9828%	1,173
Net charge-offs to loans	0.2312%	884
Credit loss provision to net charge-offs	0.0000%	2,905
Earnings coverage of net charge-offs (x)	10.2196%	2,358
Efficiency ratio	58.6578%	4,511
Assets per employee ($millions)	4.5152%	3,080
Cash dividends to net income (ytd only)*	24.3056%	2,966
Condition Ratios (%)
Loss allowance to loans	1.3286%	2,281
Loan loss allowance to noncurrent loans	1,619.6078%	409
Noncurrent assets plus other real estate owned to assets	0.0639%	4,949
Noncurrent loans to loans	0.0820%	4,804
Net loans and leases to total assets	76.9067%	1,397
Net loans and leases to deposits	92.4063%	1,443
Net loans and leases to core deposits	105.7646%	1,251
Total domestic deposits to total assets	83.2267%	3,493
Equity capital to assets	11.6647%	2,179
Core capital (leverage) ratio	11.6699%	1,853
Tier 1 risk-based capital ratio	13.8574%	3,500
Total risk-based capital ratio	15.0865%	3,433
Memoranda:
Average total assets	$239,253,670	2,596
Average earning assets	$219,637,000	2,616
Average equity	$27,308,670	2,552
Average total loans	$185,110,670	2,305
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2196%	2,213
Cost of funding earning assets	0.2946%	4,104
Net interest margin	3.9250%	1,692
Noninterest income to average assets	0.7658%	1,683
Noninterest expense to average assets	2.5632%	3,614
Loan and lease loss provision to assets	0.0000%	3,537
Net operating income to assets	1.2239%	1,446
Return on assets (ROA)	1.2239%	1,484
Pretax return on assets	1.8108%	770
Return on Equity (ROE)	10.8420%	1,620
Retained earnings to average equity (ytd only)	8.2500%	1,356
Net charge-offs to loans	0.0434%	1,966
Credit loss provision to net charge-offs	0.0000%	2,277
Earnings coverage of net charge-offs (x)	54.1500%	855
Efficiency ratio	58.6009%	4,644
Assets per employee ($millions)	4.6619%	2,902
Cash dividends to net income (ytd only)*	23.9071%	2,446
Condition Ratios (%)
Loss allowance to loans	1.4536%	1,856
Loan loss allowance to noncurrent loans	763.4286%	732
Noncurrent assets plus other real estate owned to assets	0.1444%	4,685
Noncurrent loans to loans	0.1904%	4,443
Net loans and leases to total assets	74.7270%	1,625
Net loans and leases to deposits	89.1974%	1,645
Net loans and leases to core deposits	101.7245%	1,386
Total domestic deposits to total assets	83.7771%	3,560
Equity capital to assets	11.2562%	2,381
Core capital (leverage) ratio	11.3327%	2,074
Tier 1 risk-based capital ratio	14.0408%	3,449
Total risk-based capital ratio	15.2919%	3,368
Memoranda:
Average total assets	$239,229,000	2,624
Average earning assets	$219,925,000	2,641
Average equity	$27,006,000	2,575
Average total loans	$184,407,000	2,322
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2353%	2,367
Cost of funding earning assets	0.3035%	4,031
Net interest margin	3.9319%	1,847
Noninterest income to average assets	0.8133%	1,699
Noninterest expense to average assets	2.6351%	3,571
Loan and lease loss provision to assets	0.0000%	4,332
Net operating income to assets	1.1481%	1,705
Return on assets (ROA)	1.1495%	1,787
Pretax return on assets	1.7860%	828
Return on Equity (ROE)	10.2765%	1,853
Retained earnings to average equity (ytd only)	7.5721%	1,013
Net charge-offs to loans	-0.0006%	4,636
Credit loss provision to net charge-offs	0.0000%	3,785
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	59.6323%	4,638
Assets per employee ($millions)	4.5393%	3,057
Cash dividends to net income (ytd only)*	26.3158%	3,465
Condition Ratios (%)
Loss allowance to loans	1.4552%	1,853
Loan loss allowance to noncurrent loans	723.6559%	783
Noncurrent assets plus other real estate owned to assets	0.1576%	4,689
Noncurrent loans to loans	0.2011%	4,438
Net loans and leases to total assets	77.2319%	1,325
Net loans and leases to deposits	92.6114%	1,357
Net loans and leases to core deposits	104.8461%	1,218
Total domestic deposits to total assets	83.3936%	3,630
Equity capital to assets	11.3222%	2,312
Core capital (leverage) ratio	10.8818%	2,454
Tier 1 risk-based capital ratio	13.7186%	3,640
Total risk-based capital ratio	14.9699%	3,540
Memoranda:
Average total assets	$231,412,000	2,654
Average earning assets	$212,214,000	2,679
Average equity	$25,884,400	2,643
Average total loans	$176,375,600	2,349
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2022%	2,502
Cost of funding earning assets	0.2968%	4,140
Net interest margin	3.9053%	1,959
Noninterest income to average assets	0.8344%	1,629
Noninterest expense to average assets	2.6561%	3,479
Loan and lease loss provision to assets	0.0000%	4,186
Net operating income to assets	1.1475%	1,818
Return on assets (ROA)	1.1494%	1,911
Pretax return on assets	1.7621%	973
Return on Equity (ROE)	10.3084%	1,927
Retained earnings to average equity (ytd only)	7.5820%	1,364
Net charge-offs to loans	0.0145%	3,445
Credit loss provision to net charge-offs	0.0000%	3,412
Earnings coverage of net charge-offs (x)	159.9120%	438
Efficiency ratio	60.1574%	4,520
Assets per employee ($millions)	4.5914%	2,939
Cash dividends to net income (ytd only)*	26.4483%	2,962
Condition Ratios (%)
Loss allowance to loans	1.4786%	1,844
Loan loss allowance to noncurrent loans	1,908.5714%	343
Noncurrent assets plus other real estate owned to assets	0.0598%	5,206
Noncurrent loans to loans	0.0775%	5,038
Net loans and leases to total assets	76.0306%	1,516
Net loans and leases to deposits	92.7120%	1,411
Net loans and leases to core deposits	104.5574%	1,307
Total domestic deposits to total assets	82.0073%	3,932
Equity capital to assets	11.2927%	2,710
Core capital (leverage) ratio	11.3975%	2,114
Tier 1 risk-based capital ratio	13.9447%	3,591
Total risk-based capital ratio	15.1964%	3,511
Memoranda:
Average total assets	$230,254,750	2,667
Average earning assets	$211,124,500	2,693
Average equity	$25,674,250	2,680
Average total loans	$174,221,750	2,372
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1471%	2,685
Cost of funding earning assets	0.2942%	4,202
Net interest margin	3.8528%	2,124
Noninterest income to average assets	0.8692%	1,479
Noninterest expense to average assets	2.6582%	3,524
Loan and lease loss provision to assets	0.0000%	4,017
Net operating income to assets	1.1304%	1,852
Return on assets (ROA)	1.1304%	1,965
Pretax return on assets	1.7453%	989
Return on Equity (ROE)	10.1818%	1,968
Retained earnings to average equity (ytd only)	7.4278%	1,421
Net charge-offs to loans	0.0139%	3,260
Credit loss provision to net charge-offs	0.0000%	3,050
Earnings coverage of net charge-offs (x)	166.5000%	380
Efficiency ratio	60.3650%	4,591
Assets per employee ($millions)	4.4335%	3,153
Cash dividends to net income (ytd only)*	27.0479%	2,953
Condition Ratios (%)
Loss allowance to loans	1.5475%	1,686
Loan loss allowance to noncurrent loans	194.4848%	2,336
Noncurrent assets plus other real estate owned to assets	0.6107%	3,188
Noncurrent loans to loans	0.7957%	2,754
Net loans and leases to total assets	73.9599%	1,847
Net loans and leases to deposits	87.3862%	2,082
Net loans and leases to core deposits	99.1522%	1,701
Total domestic deposits to total assets	84.6357%	3,031
Equity capital to assets	11.2492%	2,798
Core capital (leverage) ratio	11.0060%	2,425
Tier 1 risk-based capital ratio	14.0458%	3,580
Total risk-based capital ratio	15.2980%	3,498
Memoranda:
Average total assets	$228,952,670	2,687
Average earning assets	$210,027,330	2,710
Average equity	$25,418,000	2,711
Average total loans	$172,060,330	2,392
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1269%	2,742
Cost of funding earning assets	0.2940%	4,228
Net interest margin	3.8330%	2,164
Noninterest income to average assets	0.8678%	1,389
Noninterest expense to average assets	2.5999%	3,751
Loan and lease loss provision to assets	0.0000%	3,656
Net operating income to assets	1.2044%	1,542
Return on assets (ROA)	1.2044%	1,646
Pretax return on assets	1.7882%	870
Return on Equity (ROE)	10.9221%	1,623
Retained earnings to average equity (ytd only)	8.1399%	1,394
Net charge-offs to loans	0.0210%	2,515
Credit loss provision to net charge-offs	0.0000%	2,416
Earnings coverage of net charge-offs (x)	113.3333%	494
Efficiency ratio	59.2489%	4,846
Assets per employee ($millions)	4.4949%	3,076
Cash dividends to net income (ytd only)*	25.4731%	2,465
Condition Ratios (%)
Loss allowance to loans	1.5545%	1,772
Loan loss allowance to noncurrent loans	200.7485%	2,229
Noncurrent assets plus other real estate owned to assets	0.5994%	3,261
Noncurrent loans to loans	0.7744%	2,901
Net loans and leases to total assets	74.0908%	1,715
Net loans and leases to deposits	88.3459%	1,789
Net loans and leases to core deposits	98.0980%	1,629
Total domestic deposits to total assets	83.8644%	3,571
Equity capital to assets	11.0985%	2,828
Core capital (leverage) ratio	11.1131%	2,300
Tier 1 risk-based capital ratio	13.8728%	3,775
Total risk-based capital ratio	15.1250%	3,706
Memoranda:
Average total assets	$228,158,500	2,709
Average earning assets	$209,549,500	2,724
Average equity	$25,160,000	2,733
Average total loans	$171,496,500	2,390
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2144%	2,515
Cost of funding earning assets	0.3106%	4,137
Net interest margin	3.9038%	2,014
Noninterest income to average assets	0.7260%	2,084
Noninterest expense to average assets	2.6755%	3,667
Loan and lease loss provision to assets	0.0000%	4,380
Net operating income to assets	1.0300%	2,213
Return on assets (ROA)	1.0260%	2,311
Pretax return on assets	1.6066%	1,227
Return on Equity (ROE)	9.3082%	2,319
Retained earnings to average equity (ytd only)	6.4046%	1,598
Net charge-offs to loans	0.0397%	3,435
Credit loss provision to net charge-offs	0.0000%	3,899
Earnings coverage of net charge-offs (x)	55.1250%	935
Efficiency ratio	62.3881%	4,548
Assets per employee ($millions)	4.4525%	3,119
Cash dividends to net income (ytd only)*	31.1943%	3,285
Condition Ratios (%)
Loss allowance to loans	1.5786%	1,686
Loan loss allowance to noncurrent loans	2,803.1250%	253
Noncurrent assets plus other real estate owned to assets	0.0555%	5,444
Noncurrent loans to loans	0.0563%	5,294
Net loans and leases to total assets	73.8843%	1,753
Net loans and leases to deposits	87.9458%	1,881
Net loans and leases to core deposits	96.5439%	1,793
Total domestic deposits to total assets	84.0112%	3,474
Equity capital to assets	10.9557%	2,864
Core capital (leverage) ratio	10.9681%	2,436
Tier 1 risk-based capital ratio	13.5349%	3,989
Total risk-based capital ratio	14.7873%	3,919
Memoranda:
Average total assets	$218,723,400	2,756
Average earning assets	$199,599,600	2,783
Average equity	$24,107,800	2,775
Average total loans	$161,062,800	2,455
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1897%	2,614
Cost of funding earning assets	0.3128%	4,188
Net interest margin	3.8769%	2,107
Noninterest income to average assets	0.7361%	2,083
Noninterest expense to average assets	2.6692%	3,669
Loan and lease loss provision to assets	0.0000%	4,232
Net operating income to assets	1.0229%	2,365
Return on assets (ROA)	1.0174%	2,484
Pretax return on assets	1.5903%	1,411
Return on Equity (ROE)	9.2156%	2,457
Retained earnings to average equity (ytd only)	6.2887%	2,068
Net charge-offs to loans	0.0832%	2,356
Credit loss provision to net charge-offs	0.0000%	3,517
Earnings coverage of net charge-offs (x)	26.2417%	1,620
Efficiency ratio	62.5379%	4,485
Assets per employee ($millions)	4.2798%	3,360
Cash dividends to net income (ytd only)*	31.7604%	2,727
Condition Ratios (%)
Loss allowance to loans	1.5818%	1,848
Loan loss allowance to noncurrent loans	2,711.2245%	257
Noncurrent assets plus other real estate owned to assets	0.0989%	5,351
Noncurrent loans to loans	0.0583%	5,385
Net loans and leases to total assets	74.2804%	1,686
Net loans and leases to deposits	88.5878%	1,826
Net loans and leases to core deposits	98.1249%	1,689
Total domestic deposits to total assets	83.8495%	3,489
Equity capital to assets	11.0034%	3,024
Core capital (leverage) ratio	11.0529%	2,428
Tier 1 risk-based capital ratio	13.3950%	4,196
Total risk-based capital ratio	14.6473%	4,122
Memoranda:
Average total assets	$216,634,750	2,797
Average earning assets	$197,368,500	2,829
Average equity	$23,915,250	2,814
Average total loans	$158,712,000	2,494
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1386%	2,759
Cost of funding earning assets	0.3165%	4,204
Net interest margin	3.8221%	2,232
Noninterest income to average assets	0.7174%	2,141
Noninterest expense to average assets	2.6302%	3,815
Loan and lease loss provision to assets	0.0000%	4,069
Net operating income to assets	1.0231%	2,275
Return on assets (ROA)	1.0146%	2,428
Pretax return on assets	1.5503%	1,484
Return on Equity (ROE)	9.1804%	2,440
Retained earnings to average equity (ytd only)	6.2299%	2,102
Net charge-offs to loans	0.0013%	3,861
Credit loss provision to net charge-offs	0.0000%	3,158
Earnings coverage of net charge-offs (x)	1,678.0000%	32
Efficiency ratio	62.7194%	4,558
Assets per employee ($millions)	4.3516%	3,209
Cash dividends to net income (ytd only)*	32.1396%	2,733
Condition Ratios (%)
Loss allowance to loans	1.6751%	1,676
Loan loss allowance to noncurrent loans	793.6599%	682
Noncurrent assets plus other real estate owned to assets	0.1595%	5,239
Noncurrent loans to loans	0.2111%	4,926
Net loans and leases to total assets	74.2986%	1,613
Net loans and leases to deposits	87.3176%	1,906
Net loans and leases to core deposits	97.2116%	1,707
Total domestic deposits to total assets	85.0901%	3,087
Equity capital to assets	11.0667%	2,821
Core capital (leverage) ratio	11.1815%	2,261
Tier 1 risk-based capital ratio	13.4922%	4,228
Total risk-based capital ratio	14.7460%	4,158
Memoranda:
Average total assets	$214,663,000	2,841
Average earning assets	$195,235,330	2,873
Average equity	$23,724,330	2,837
Average total loans	$155,626,670	2,543
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0241%	3,141
Cost of funding earning assets	0.3065%	4,368
Net interest margin	3.7176%	2,565
Noninterest income to average assets	0.7354%	1,988
Noninterest expense to average assets	2.5778%	4,009
Loan and lease loss provision to assets	0.0000%	3,703
Net operating income to assets	1.0325%	2,110
Return on assets (ROA)	1.0337%	2,254
Pretax return on assets	1.5497%	1,394
Return on Equity (ROE)	9.3600%	2,279
Retained earnings to average equity (ytd only)	6.3872%	2,296
Net charge-offs to loans	-0.0238%	5,125
Credit loss provision to net charge-offs	0.0000%	2,491
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	62.4829%	4,710
Assets per employee ($millions)	4.1987%	3,567
Cash dividends to net income (ytd only)*	31.7604%	2,295
Condition Ratios (%)
Loss allowance to loans	1.7778%	1,542
Loan loss allowance to noncurrent loans	680.7882%	763
Noncurrent assets plus other real estate owned to assets	0.1934%	5,181
Noncurrent loans to loans	0.2611%	4,848
Net loans and leases to total assets	72.7414%	1,690
Net loans and leases to deposits	85.6127%	1,884
Net loans and leases to core deposits	94.2491%	1,745
Total domestic deposits to total assets	84.9658%	3,429
Equity capital to assets	11.3097%	2,637
Core capital (leverage) ratio	11.1494%	2,266
Tier 1 risk-based capital ratio	14.1194%	3,936
Total risk-based capital ratio	15.2390%	3,943
Memoranda:
Average total assets	$213,204,500	2,875
Average earning assets	$194,427,000	2,899
Average equity	$23,547,000	2,879
Average total loans	$151,233,500	2,609
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0884%	3,366
Cost of funding earning assets	0.3367%	4,406
Net interest margin	3.7518%	2,804
Noninterest income to average assets	0.6178%	2,752
Noninterest expense to average assets	2.6528%	4,038
Loan and lease loss provision to assets	0.0000%	4,603
Net operating income to assets	0.8859%	2,943
Return on assets (ROA)	0.9013%	2,952
Pretax return on assets	1.3696%	2,004
Return on Equity (ROE)	8.0029%	3,137
Retained earnings to average equity (ytd only)	4.9164%	2,665
Net charge-offs to loans	-0.0390%	5,854
Credit loss provision to net charge-offs	0.0000%	4,203
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	66.3355%	4,194
Assets per employee ($millions)	4.3295%	3,311
Cash dividends to net income (ytd only)*	38.5675%	2,930
Condition Ratios (%)
Loss allowance to loans	1.8742%	1,374
Loan loss allowance to noncurrent loans	659.0909%	864
Noncurrent assets plus other real estate owned to assets	0.1931%	5,256
Noncurrent loans to loans	0.2844%	4,830
Net loans and leases to total assets	66.6308%	2,788
Net loans and leases to deposits	77.0018%	3,086
Net loans and leases to core deposits	85.9297%	2,695
Total domestic deposits to total assets	86.5315%	2,556
Equity capital to assets	10.7869%	3,138
Core capital (leverage) ratio	10.9809%	2,428
Tier 1 risk-based capital ratio	15.3233%	3,303
Total risk-based capital ratio	16.5802%	3,255
Memoranda:
Average total assets	$201,371,600	2,969
Average earning assets	$181,487,600	3,021
Average equity	$22,679,400	2,884
Average total loans	$138,450,600	2,733
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1036%	3,356
Cost of funding earning assets	0.3435%	4,415
Net interest margin	3.7601%	2,775
Noninterest income to average assets	0.5999%	2,872
Noninterest expense to average assets	2.6788%	3,901
Loan and lease loss provision to assets	0.0000%	4,401
Net operating income to assets	0.8415%	3,227
Return on assets (ROA)	0.8603%	3,213
Pretax return on assets	1.3252%	2,287
Return on Equity (ROE)	7.5515%	3,423
Retained earnings to average equity (ytd only)	3.4056%	4,198
Net charge-offs to loans	-0.1076%	6,162
Credit loss provision to net charge-offs	0.0000%	3,801
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.3909%	3,963
Assets per employee ($millions)	4.1597%	3,547
Cash dividends to net income (ytd only)*	54.9019%	1,608
Condition Ratios (%)
Loss allowance to loans	1.9921%	1,275
Loan loss allowance to noncurrent loans	352.6976%	1,333
Noncurrent assets plus other real estate owned to assets	0.3832%	4,776
Noncurrent loans to loans	0.5648%	4,226
Net loans and leases to total assets	66.4931%	2,775
Net loans and leases to deposits	77.3067%	3,024
Net loans and leases to core deposits	86.2088%	2,645
Total domestic deposits to total assets	86.0121%	2,839
Equity capital to assets	10.9382%	3,017
Core capital (leverage) ratio	10.8490%	2,637
Tier 1 risk-based capital ratio	15.5427%	3,289
Total risk-based capital ratio	16.8008%	3,228
Memoranda:
Average total assets	$197,595,750	3,047
Average earning assets	$177,366,500	3,099
Average equity	$22,511,500	2,902
Average total loans	$136,314,750	2,770
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1207%	3,263
Cost of funding earning assets	0.3508%	4,430
Net interest margin	3.7699%	2,664
Noninterest income to average assets	0.6068%	2,783
Noninterest expense to average assets	2.7074%	3,833
Loan and lease loss provision to assets	0.0000%	4,196
Net operating income to assets	0.8345%	3,151
Return on assets (ROA)	0.8633%	3,089
Pretax return on assets	1.3208%	2,185
Return on Equity (ROE)	7.4715%	3,383
Retained earnings to average equity (ytd only)	4.3509%	3,407
Net charge-offs to loans	-0.1678%	6,305
Credit loss provision to net charge-offs	0.0000%	3,401
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.9597%	4,017
Assets per employee ($millions)	4.1249%	3,603
Cash dividends to net income (ytd only)*	41.7661%	2,324
Condition Ratios (%)
Loss allowance to loans	2.0537%	1,268
Loan loss allowance to noncurrent loans	359.3870%	1,279
Noncurrent assets plus other real estate owned to assets	0.3855%	4,863
Noncurrent loans to loans	0.5714%	4,304
Net loans and leases to total assets	65.0720%	2,897
Net loans and leases to deposits	75.7870%	3,082
Net loans and leases to core deposits	83.1381%	2,837
Total domestic deposits to total assets	85.8616%	3,113
Equity capital to assets	11.0082%	2,868
Core capital (leverage) ratio	11.1886%	2,253
Tier 1 risk-based capital ratio	15.8488%	3,175
Total risk-based capital ratio	17.1073%	3,105
Memoranda:
Average total assets	$194,132,000	3,101
Average earning assets	$173,902,670	3,151
Average equity	$22,432,000	2,901
Average total loans	$134,717,000	2,800
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2442%	2,708
Cost of funding earning assets	0.3688%	4,334
Net interest margin	3.8754%	2,174
Noninterest income to average assets	0.6168%	2,636
Noninterest expense to average assets	2.7627%	3,707
Loan and lease loss provision to assets	0.0000%	3,817
Net operating income to assets	0.8636%	2,833
Return on assets (ROA)	0.8677%	2,875
Pretax return on assets	1.3250%	2,008
Return on Equity (ROE)	7.3197%	3,303
Retained earnings to average equity (ytd only)	4.1801%	3,622
Net charge-offs to loans	-0.0090%	5,013
Credit loss provision to net charge-offs	0.0000%	2,688
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.6915%	4,224
Assets per employee ($millions)	3.8393%	4,252
Cash dividends to net income (ytd only)*	42.8922%	1,898
Condition Ratios (%)
Loss allowance to loans	2.0445%	1,429
Loan loss allowance to noncurrent loans	375.0347%	1,223
Noncurrent assets plus other real estate owned to assets	0.3833%	5,008
Noncurrent loans to loans	0.5452%	4,533
Net loans and leases to total assets	68.8646%	2,075
Net loans and leases to deposits	82.0605%	2,037
Net loans and leases to core deposits	91.9657%	1,733
Total domestic deposits to total assets	83.9194%	4,299
Equity capital to assets	11.9308%	1,916
Core capital (leverage) ratio	12.0389%	1,634
Tier 1 risk-based capital ratio	16.4536%	2,916
Total risk-based capital ratio	17.7120%	2,886
Memoranda:
Average total assets	$188,074,500	3,187
Average earning assets	$168,135,500	3,238
Average equity	$22,296,000	2,917
Average total loans	$133,564,000	2,827
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3333%	2,833
Cost of funding earning assets	0.4379%	4,242
Net interest margin	3.8954%	2,301
Noninterest income to average assets	0.6459%	2,827
Noninterest expense to average assets	2.6511%	4,277
Loan and lease loss provision to assets	0.0103%	4,918
Net operating income to assets	0.9685%	2,477
Return on assets (ROA)	0.9678%	2,548
Pretax return on assets	1.4759%	1,529
Return on Equity (ROE)	8.3422%	2,862
Retained earnings to average equity (ytd only)	0.7826%	5,484
Net charge-offs to loans	0.1559%	3,242
Credit loss provision to net charge-offs	9.6154%	4,588
Earnings coverage of net charge-offs (x)	13.8606%	1,983
Efficiency ratio	64.0613%	4,880
Assets per employee ($millions)	3.7604%	4,349
Cash dividends to net income (ytd only)*	90.6183%	620
Condition Ratios (%)
Loss allowance to loans	2.0027%	1,543
Loan loss allowance to noncurrent loans	251.0223%	1,727
Noncurrent assets plus other real estate owned to assets	0.5723%	4,519
Noncurrent loans to loans	0.7978%	3,984
Net loans and leases to total assets	70.2950%	1,966
Net loans and leases to deposits	84.1981%	1,908
Net loans and leases to core deposits	92.4266%	1,745
Total domestic deposits to total assets	83.4876%	4,369
Equity capital to assets	11.7789%	1,962
Core capital (leverage) ratio	11.5428%	1,930
Tier 1 risk-based capital ratio	15.6539%	3,273
Total risk-based capital ratio	16.9123%	3,229
Memoranda:
Average total assets	$193,841,400	3,100
Average earning assets	$173,793,400	3,168
Average equity	$22,488,200	2,879
Average total loans	$133,430,000	2,800
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2821%	3,071
Cost of funding earning assets	0.4538%	4,239
Net interest margin	3.8283%	2,548
Noninterest income to average assets	0.6622%	2,812
Noninterest expense to average assets	2.6236%	4,314
Loan and lease loss provision to assets	0.0137%	4,728
Net operating income to assets	0.9423%	2,629
Return on assets (ROA)	0.9415%	2,743
Pretax return on assets	1.4562%	1,740
Return on Equity (ROE)	8.1450%	3,056
Retained earnings to average equity (ytd only)	5.0441%	3,049
Net charge-offs to loans	0.2345%	2,397
Credit loss provision to net charge-offs	8.5470%	4,230
Earnings coverage of net charge-offs (x)	9.2095%	2,511
Efficiency ratio	64.0714%	4,786
Assets per employee ($millions)	3.8303%	4,169
Cash dividends to net income (ytd only)*	38.0709%	2,353
Condition Ratios (%)
Loss allowance to loans	2.0288%	1,654
Loan loss allowance to noncurrent loans	222.5458%	1,809
Noncurrent assets plus other real estate owned to assets	0.6276%	4,559
Noncurrent loans to loans	0.9116%	3,995
Net loans and leases to total assets	67.4488%	2,381
Net loans and leases to deposits	80.1395%	2,385
Net loans and leases to core deposits	88.9274%	2,082
Total domestic deposits to total assets	84.1643%	4,127
Equity capital to assets	11.9055%	1,980
Core capital (leverage) ratio	11.7265%	1,872
Tier 1 risk-based capital ratio	16.5708%	2,910
Total risk-based capital ratio	17.8295%	2,870
Memoranda:
Average total assets	$195,296,250	3,107
Average earning assets	$175,114,000	3,175
Average equity	$22,573,500	2,895
Average total loans	$133,069,750	2,820
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2721%	3,068
Cost of funding earning assets	0.4700%	4,205
Net interest margin	3.8021%	2,551
Noninterest income to average assets	0.6543%	2,890
Noninterest expense to average assets	2.5723%	4,482
Loan and lease loss provision to assets	0.0204%	4,491
Net operating income to assets	0.9578%	2,523
Return on assets (ROA)	0.9565%	2,684
Pretax return on assets	1.4754%	1,694
Return on Equity (ROE)	8.3564%	2,915
Retained earnings to average equity (ytd only)	5.2450%	2,894
Net charge-offs to loans	-0.1154%	6,535
Credit loss provision to net charge-offs	-25.9740%	5,486
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	63.2000%	4,980
Assets per employee ($millions)	3.8192%	4,172
Cash dividends to net income (ytd only)*	37.2340%	2,372
Condition Ratios (%)
Loss allowance to loans	2.3067%	1,253
Loan loss allowance to noncurrent loans	125.2517%	2,917
Noncurrent assets plus other real estate owned to assets	1.2239%	3,306
Noncurrent loans to loans	1.8416%	2,577
Net loans and leases to total assets	64.9268%	2,767
Net loans and leases to deposits	76.9299%	2,735
Net loans and leases to core deposits	84.4197%	2,505
Total domestic deposits to total assets	84.3973%	4,166
Equity capital to assets	11.6295%	2,191
Core capital (leverage) ratio	11.5748%	1,875
Tier 1 risk-based capital ratio	17.0510%	2,695
Total risk-based capital ratio	18.3132%	2,663
Memoranda:
Average total assets	$196,556,000	3,107
Average earning assets	$176,588,330	3,164
Average equity	$22,497,670	2,931
Average total loans	$133,476,000	2,813
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3372%	2,733
Cost of funding earning assets	0.4839%	4,249
Net interest margin	3.8533%	2,271
Noninterest income to average assets	0.6706%	2,754
Noninterest expense to average assets	2.5526%	4,560
Loan and lease loss provision to assets	0.0405%	3,922
Net operating income to assets	0.9892%	2,273
Return on assets (ROA)	0.9866%	2,408
Pretax return on assets	1.5255%	1,499
Return on Equity (ROE)	8.6885%	2,633
Retained earnings to average equity (ytd only)	5.5663%	2,919
Net charge-offs to loans	-0.2273%	6,709
Credit loss provision to net charge-offs	-25.9740%	5,002
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	61.9165%	5,313
Assets per employee ($millions)	3.8891%	4,179
Cash dividends to net income (ytd only)*	35.9343%	1,948
Condition Ratios (%)
Loss allowance to loans	2.2323%	1,520
Loan loss allowance to noncurrent loans	212.2246%	1,796
Noncurrent assets plus other real estate owned to assets	0.7094%	4,601
Noncurrent loans to loans	1.0519%	4,038
Net loans and leases to total assets	65.9338%	2,377
Net loans and leases to deposits	78.6430%	2,258
Net loans and leases to core deposits	87.5207%	1,953
Total domestic deposits to total assets	83.8394%	4,543
Equity capital to assets	11.3710%	2,558
Core capital (leverage) ratio	11.5369%	1,857
Tier 1 risk-based capital ratio	16.3933%	3,066
Total risk-based capital ratio	17.6546%	3,008
Memoranda:
Average total assets	$197,443,500	3,126
Average earning assets	$176,888,000	3,186
Average equity	$22,420,500	2,989
Average total loans	$135,488,500	2,796
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6535%	2,779
Cost of funding earning assets	0.6021%	4,332
Net interest margin	4.0514%	2,193
Noninterest income to average assets	1.3516%	846
Noninterest expense to average assets	2.7562%	4,192
Loan and lease loss provision to assets	0.6690%	792
Net operating income to assets	1.3447%	1,207
Return on assets (ROA)	1.3619%	1,298
Pretax return on assets	1.5782%	1,441
Return on Equity (ROE)	11.8513%	1,549
Retained earnings to average equity (ytd only)	8.5567%	950
Net charge-offs to loans	0.6205%	1,890
Credit loss provision to net charge-offs	150.4866%	1,812
Earnings coverage of net charge-offs (x)	5.0097%	3,180
Efficiency ratio	55.3071%	6,137
Assets per employee ($millions)	4.0946%	3,748
Cash dividends to net income (ytd only)*	27.7998%	3,471
Condition Ratios (%)
Loss allowance to loans	2.1055%	1,759
Loan loss allowance to noncurrent loans	191.9601%	1,917
Noncurrent assets plus other real estate owned to assets	0.7937%	4,481
Noncurrent loans to loans	1.0968%	4,012
Net loans and leases to total assets	68.3445%	2,132
Net loans and leases to deposits	81.4881%	2,075
Net loans and leases to core deposits	86.4527%	2,251
Total domestic deposits to total assets	83.8705%	4,376
Equity capital to assets	11.3396%	2,592
Core capital (leverage) ratio	11.5369%	1,852
Tier 1 risk-based capital ratio	15.8433%	3,246
Total risk-based capital ratio	17.1051%	3,194
Memoranda:
Average total assets	$184,891,400	3,244
Average earning assets	$165,747,000	3,293
Average equity	$21,246,600	3,070
Average total loans	$132,474,400	2,834
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7066%	2,779
Cost of funding earning assets	0.6263%	4,399
Net interest margin	4.0803%	2,170
Noninterest income to average assets	1.6031%	576
Noninterest expense to average assets	2.8127%	3,943
Loan and lease loss provision to assets	0.6850%	751
Net operating income to assets	1.5948%	858
Return on assets (ROA)	1.6192%	897
Pretax return on assets	1.7936%	1,061
Return on Equity (ROE)	14.0404%	1,103
Retained earnings to average equity (ytd only)	10.7050%	739
Net charge-offs to loans	0.1300%	4,076
Credit loss provision to net charge-offs	730.4688%	378
Earnings coverage of net charge-offs (x)	26.1410%	1,223
Efficiency ratio	53.4308%	6,309
Assets per employee ($millions)	3.8377%	4,215
Cash dividends to net income (ytd only)*	23.7556%	2,915
Condition Ratios (%)
Loss allowance to loans	2.4270%	1,306
Loan loss allowance to noncurrent loans	78.5817%	3,895
Noncurrent assets plus other real estate owned to assets	2.5095%	2,110
Noncurrent loans to loans	3.0885%	1,800
Net loans and leases to total assets	70.1240%	1,890
Net loans and leases to deposits	84.9767%	1,729
Net loans and leases to core deposits	90.3303%	1,947
Total domestic deposits to total assets	82.5214%	4,827
Equity capital to assets	11.8098%	2,420
Core capital (leverage) ratio	11.5250%	1,968
Tier 1 risk-based capital ratio	16.1699%	3,181
Total risk-based capital ratio	17.4370%	3,141
Memoranda:
Average total assets	$181,979,000	3,311
Average earning assets	$163,282,750	3,360
Average equity	$20,986,500	3,119
Average total loans	$131,289,500	2,897
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7577%	2,692
Cost of funding earning assets	0.6419%	4,516
Net interest margin	4.1158%	2,028
Noninterest income to average assets	0.5768%	3,400
Noninterest expense to average assets	2.8262%	3,918
Loan and lease loss provision to assets	0.2667%	2,449
Net operating income to assets	0.7339%	3,688
Return on assets (ROA)	0.7602%	3,826
Pretax return on assets	1.1947%	2,947
Return on Equity (ROE)	6.6474%	3,967
Retained earnings to average equity (ytd only)	3.2460%	4,451
Net charge-offs to loans	0.2138%	3,292
Credit loss provision to net charge-offs	172.6619%	1,628
Earnings coverage of net charge-offs (x)	9.1942%	2,196
Efficiency ratio	66.5533%	4,413
Assets per employee ($millions)	3.6750%	4,575
Cash dividends to net income (ytd only)*	51.1696%	1,690
Condition Ratios (%)
Loss allowance to loans	1.9145%	2,507
Loan loss allowance to noncurrent loans	69.2577%	4,235
Noncurrent assets plus other real estate owned to assets	3.0030%	1,836
Noncurrent loans to loans	2.7644%	2,171
Net loans and leases to total assets	71.7935%	1,590
Net loans and leases to deposits	86.3313%	1,558
Net loans and leases to core deposits	92.3352%	1,750
Total domestic deposits to total assets	83.1605%	4,694
Equity capital to assets	11.3196%	2,762
Core capital (leverage) ratio	11.1794%	2,141
Tier 1 risk-based capital ratio	15.0870%	3,715
Total risk-based capital ratio	16.3465%	3,670
Memoranda:
Average total assets	$179,956,330	3,356
Average earning assets	$160,456,670	3,417
Average equity	$20,579,330	3,155
Average total loans	$130,004,000	2,928
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7592%	2,810
Cost of funding earning assets	0.6467%	4,759
Net interest margin	4.1125%	2,049
Noninterest income to average assets	0.6470%	2,944
Noninterest expense to average assets	2.8665%	3,760
Loan and lease loss provision to assets	0.2696%	2,299
Net operating income to assets	0.7637%	3,550
Return on assets (ROA)	0.8177%	3,536
Pretax return on assets	1.2513%	2,720
Return on Equity (ROE)	7.1132%	3,718
Retained earnings to average equity (ytd only)	3.6934%	4,374
Net charge-offs to loans	0.0157%	4,465
Credit loss provision to net charge-offs	2,400.0000%	129
Earnings coverage of net charge-offs (x)	128.0000%	278
Efficiency ratio	66.5971%	4,445
Assets per employee ($millions)	3.7947%	4,434
Cash dividends to net income (ytd only)*	48.0769%	1,528
Condition Ratios (%)
Loss allowance to loans	1.9819%	2,414
Loan loss allowance to noncurrent loans	56.1632%	4,725
Noncurrent assets plus other real estate owned to assets	3.0701%	1,899
Noncurrent loans to loans	3.5288%	1,763
Net loans and leases to total assets	70.2709%	1,710
Net loans and leases to deposits	83.5755%	1,721
Net loans and leases to core deposits	89.2063%	1,928
Total domestic deposits to total assets	84.0808%	4,446
Equity capital to assets	11.2866%	2,638
Core capital (leverage) ratio	11.4845%	1,902
Tier 1 risk-based capital ratio	15.2249%	3,606
Total risk-based capital ratio	16.4846%	3,563
Memoranda:
Average total assets	$178,058,500	3,406
Average earning assets	$158,347,500	3,466
Average equity	$20,469,000	3,166
Average total loans	$127,757,500	2,983
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9886%	2,930
Cost of funding earning assets	0.8253%	4,668
Net interest margin	4.1633%	2,180
Noninterest income to average assets	0.5011%	3,830
Noninterest expense to average assets	2.8555%	4,147
Loan and lease loss provision to assets	0.2670%	3,547
Net operating income to assets	0.6732%	3,613
Return on assets (ROA)	0.6874%	3,733
Pretax return on assets	1.1018%	2,828
Return on Equity (ROE)	6.2352%	3,759
Retained earnings to average equity (ytd only)	3.1075%	4,022
Net charge-offs to loans	0.2857%	3,986
Credit loss provision to net charge-offs	131.8681%	2,313
Earnings coverage of net charge-offs (x)	6.6511%	2,472
Efficiency ratio	67.9550%	4,370
Assets per employee ($millions)	3.4794%	5,069
Cash dividends to net income (ytd only)*	50.1618%	2,039
Condition Ratios (%)
Loss allowance to loans	1.9795%	2,345
Loan loss allowance to noncurrent loans	51.8231%	4,922
Noncurrent assets plus other real estate owned to assets	3.3080%	1,797
Noncurrent loans to loans	3.8197%	1,644
Net loans and leases to total assets	70.3901%	1,952
Net loans and leases to deposits	83.9456%	1,931
Net loans and leases to core deposits	87.9488%	2,382
Total domestic deposits to total assets	83.8520%	4,380
Equity capital to assets	11.7145%	2,327
Core capital (leverage) ratio	11.3980%	1,971
Tier 1 risk-based capital ratio	15.2141%	3,502
Total risk-based capital ratio	16.4753%	3,460
Memoranda:
Average total assets	$179,795,200	3,339
Average earning assets	$159,824,600	3,410
Average equity	$19,822,800	3,178
Average total loans	$127,388,800	3,032
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0110%	3,029
Cost of funding earning assets	0.8730%	4,619
Net interest margin	4.1380%	2,318
Noninterest income to average assets	0.4848%	4,003
Noninterest expense to average assets	2.8578%	4,112
Loan and lease loss provision to assets	0.2648%	3,390
Net operating income to assets	0.6620%	3,811
Return on assets (ROA)	0.6672%	3,959
Pretax return on assets	1.0453%	3,231
Return on Equity (ROE)	6.1437%	3,958
Retained earnings to average equity (ytd only)	1.9441%	5,165
Net charge-offs to loans	0.3708%	3,238
Credit loss provision to net charge-offs	101.1236%	3,317
Earnings coverage of net charge-offs (x)	4.9720%	2,913
Efficiency ratio	68.7003%	4,174
Assets per employee ($millions)	3.6999%	4,539
Cash dividends to net income (ytd only)*	68.3577%	927
Condition Ratios (%)
Loss allowance to loans	1.9079%	2,591
Loan loss allowance to noncurrent loans	48.8618%	5,092
Noncurrent assets plus other real estate owned to assets	3.3582%	1,895
Noncurrent loans to loans	3.9046%	1,709
Net loans and leases to total assets	68.3525%	2,413
Net loans and leases to deposits	81.1252%	2,508
Net loans and leases to core deposits	85.9362%	2,776
Total domestic deposits to total assets	84.2557%	4,117
Equity capital to assets	11.3084%	2,860
Core capital (leverage) ratio	10.9972%	2,391
Tier 1 risk-based capital ratio	14.7116%	3,827
Total risk-based capital ratio	15.9696%	3,801
Memoranda:
Average total assets	$181,251,000	3,329
Average earning assets	$160,975,000	3,405
Average equity	$19,683,500	3,194
Average total loans	$128,003,000	3,044
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0103%	3,111
Cost of funding earning assets	0.9330%	4,436
Net interest margin	4.0772%	2,503
Noninterest income to average assets	0.4965%	3,887
Noninterest expense to average assets	2.7807%	4,502
Loan and lease loss provision to assets	0.2631%	3,296
Net operating income to assets	0.6993%	3,551
Return on assets (ROA)	0.6993%	3,662
Pretax return on assets	1.0785%	2,938
Return on Equity (ROE)	6.5267%	3,689
Retained earnings to average equity (ytd only)	0.1841%	5,765
Net charge-offs to loans	-0.0031%	6,548
Credit loss provision to net charge-offs	-12,000.0000%	6,817
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.4555%	4,613
Assets per employee ($millions)	3.4436%	5,093
Cash dividends to net income (ytd only)*	97.1787%	513
Condition Ratios (%)
Loss allowance to loans	2.0602%	2,211
Loan loss allowance to noncurrent loans	60.4138%	4,426
Noncurrent assets plus other real estate owned to assets	3.9078%	1,653
Noncurrent loans to loans	3.4101%	2,081
Net loans and leases to total assets	70.3524%	2,147
Net loans and leases to deposits	84.6714%	1,997
Net loans and leases to core deposits	88.7805%	2,530
Total domestic deposits to total assets	83.0888%	4,717
Equity capital to assets	11.3112%	2,672
Core capital (leverage) ratio	10.5247%	2,690
Tier 1 risk-based capital ratio	14.2998%	3,938
Total risk-based capital ratio	15.5599%	3,906
Memoranda:
Average total assets	$182,470,000	3,334
Average earning assets	$162,266,330	3,400
Average equity	$19,550,330	3,192
Average total loans	$129,420,330	3,048
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9132%	3,526
Cost of funding earning assets	0.9744%	4,395
Net interest margin	3.9387%	2,961
Noninterest income to average assets	0.3895%	4,791
Noninterest expense to average assets	2.7435%	4,663
Loan and lease loss provision to assets	0.2582%	3,076
Net operating income to assets	0.5336%	4,337
Return on assets (ROA)	0.5336%	4,426
Pretax return on assets	0.9016%	3,488
Return on Equity (ROE)	5.1152%	4,332
Retained earnings to average equity (ytd only)	-7.6729%	6,727
Net charge-offs to loans	-0.0122%	6,422
Credit loss provision to net charge-offs	-3,000.0000%	6,296
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.2867%	4,197
Assets per employee ($millions)	3.7550%	4,405
Cash dividends to net income (ytd only)*	250.0000%	132
Condition Ratios (%)
Loss allowance to loans	1.9291%	2,600
Loan loss allowance to noncurrent loans	58.2083%	4,515
Noncurrent assets plus other real estate owned to assets	3.7866%	1,781
Noncurrent loans to loans	3.3141%	2,267
Net loans and leases to total assets	70.0072%	2,129
Net loans and leases to deposits	83.9941%	2,032
Net loans and leases to core deposits	89.5994%	2,393
Total domestic deposits to total assets	83.3478%	4,772
Equity capital to assets	10.6469%	3,044
Core capital (leverage) ratio	9.8916%	3,277
Tier 1 risk-based capital ratio	13.6019%	4,359
Total risk-based capital ratio	14.8599%	4,321
Memoranda:
Average total assets	$185,893,500	3,299
Average earning assets	$165,839,500	3,365
Average equity	$19,393,000	3,205
Average total loans	$131,053,500	3,046
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1667%	3,764
Cost of funding earning assets	1.1797%	4,681
Net interest margin	3.9870%	3,076
Noninterest income to average assets	0.3875%	4,994
Noninterest expense to average assets	2.6830%	5,067
Loan and lease loss provision to assets	0.3392%	4,116
Net operating income to assets	0.6070%	3,640
Return on assets (ROA)	0.6091%	3,796
Pretax return on assets	0.9175%	3,212
Return on Equity (ROE)	6.1996%	3,518
Retained earnings to average equity (ytd only)	6.1996%	1,715
Net charge-offs to loans	0.1898%	5,165
Credit loss provision to net charge-offs	248.1203%	1,155
Earnings coverage of net charge-offs (x)	9.1692%	1,865
Efficiency ratio	68.1551%	4,532
Assets per employee ($millions)	3.8309%	4,176
Cash dividends to net income (ytd only)*	0.0000%	3,950
Condition Ratios (%)
Loss allowance to loans	1.7670%	2,967
Loan loss allowance to noncurrent loans	46.1991%	5,239
Noncurrent assets plus other real estate owned to assets	3.9640%	1,715
Noncurrent loans to loans	3.8248%	1,928
Net loans and leases to total assets	68.4354%	2,879
Net loans and leases to deposits	82.2046%	2,764
Net loans and leases to core deposits	90.4472%	2,702
Total domestic deposits to total assets	83.2501%	4,695
Equity capital to assets	10.2304%	3,463
Core capital (leverage) ratio	9.7286%	3,401
Tier 1 risk-based capital ratio	13.3021%	4,371
Total risk-based capital ratio	14.5603%	4,325
Memoranda:
Average total assets	$194,558,600	3,168
Average earning assets	$173,186,400	3,222
Average equity	$19,114,000	3,267
Average total loans	$140,135,000	2,951
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1329%	4,158
Cost of funding earning assets	1.2178%	4,759
Net interest margin	3.9151%	3,465
Noninterest income to average assets	0.4232%	4,772
Noninterest expense to average assets	2.7054%	4,861
Loan and lease loss provision to assets	0.3140%	4,064
Net operating income to assets	0.6103%	3,837
Return on assets (ROA)	0.6103%	4,002
Pretax return on assets	0.8847%	3,602
Return on Equity (ROE)	6.2757%	3,685
Retained earnings to average equity (ytd only)	6.2757%	2,216
Net charge-offs to loans	-0.0066%	7,230
Credit loss provision to net charge-offs	-6,571.4286%	7,199
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.2953%	4,206
Assets per employee ($millions)	3.9512%	3,936
Cash dividends to net income (ytd only)*	0.0000%	3,526
Condition Ratios (%)
Loss allowance to loans	1.7557%	2,956
Loan loss allowance to noncurrent loans	51.7462%	4,843
Noncurrent assets plus other real estate owned to assets	3.0386%	2,387
Noncurrent loans to loans	3.3929%	2,342
Net loans and leases to total assets	70.2330%	2,682
Net loans and leases to deposits	86.5516%	2,232
Net loans and leases to core deposits	95.0562%	2,382
Total domestic deposits to total assets	81.1458%	5,320
Equity capital to assets	10.1019%	4,018
Core capital (leverage) ratio	9.2824%	4,231
Tier 1 risk-based capital ratio	12.7321%	4,793
Total risk-based capital ratio	13.9896%	4,764
Memoranda:
Average total assets	$195,311,500	3,200
Average earning assets	$173,646,500	3,256
Average equity	$18,993,500	3,318
Average total loans	$141,807,750	2,945
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1233%	4,331
Cost of funding earning assets	1.2540%	4,800
Net interest margin	3.8693%	3,592
Noninterest income to average assets	0.5350%	3,834
Noninterest expense to average assets	2.6812%	4,990
Loan and lease loss provision to assets	0.3472%	3,643
Net operating income to assets	0.6279%	3,741
Return on assets (ROA)	0.6279%	3,882
Pretax return on assets	0.9342%	3,368
Return on Equity (ROE)	6.5407%	3,533
Retained earnings to average equity (ytd only)	6.5407%	2,060
Net charge-offs to loans	0.0476%	5,720
Credit loss provision to net charge-offs	1,000.0000%	369
Earnings coverage of net charge-offs (x)	36.9118%	782
Efficiency ratio	67.6630%	4,642
Assets per employee ($millions)	3.6810%	4,519
Cash dividends to net income (ytd only)*	0.0000%	3,319
Condition Ratios (%)
Loss allowance to loans	1.5960%	3,463
Loan loss allowance to noncurrent loans	39.5848%	5,713
Noncurrent assets plus other real estate owned to assets	4.3414%	1,536
Noncurrent loans to loans	4.0317%	1,872
Net loans and leases to total assets	73.0904%	2,146
Net loans and leases to deposits	90.9790%	1,693
Net loans and leases to core deposits	101.1627%	1,907
Total domestic deposits to total assets	80.3376%	5,617
Equity capital to assets	9.9999%	4,024
Core capital (leverage) ratio	9.1182%	4,434
Tier 1 risk-based capital ratio	12.0816%	5,242
Total risk-based capital ratio	13.3367%	5,204
Memoranda:
Average total assets	$195,879,670	3,219
Average earning assets	$173,520,330	3,282
Average equity	$18,805,330	3,330
Average total loans	$142,941,670	2,961
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0087%	4,985
Cost of funding earning assets	1.2891%	4,879
Net interest margin	3.7196%	4,151
Noninterest income to average assets	0.4805%	4,197
Noninterest expense to average assets	2.5218%	5,649
Loan and lease loss provision to assets	0.2423%	4,109
Net operating income to assets	0.6582%	3,624
Return on assets (ROA)	0.6582%	3,735
Pretax return on assets	1.0196%	3,013
Return on Equity (ROE)	6.9966%	3,341
Retained earnings to average equity (ytd only)	6.9966%	2,133
Net charge-offs to loans	0.0893%	4,521
Credit loss provision to net charge-offs	375.0000%	1,071
Earnings coverage of net charge-offs (x)	19.5313%	1,195
Efficiency ratio	66.6489%	4,982
Assets per employee ($millions)	3.7767%	4,368
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	1.4367%	4,228
Loan loss allowance to noncurrent loans	31.7296%	6,303
Noncurrent assets plus other real estate owned to assets	4.6189%	1,454
Noncurrent loans to loans	4.5278%	1,652
Net loans and leases to total assets	71.6491%	2,533
Net loans and leases to deposits	89.0632%	2,053
Net loans and leases to core deposits	99.9034%	2,143
Total domestic deposits to total assets	80.4475%	5,639
Equity capital to assets	9.5377%	4,470
Core capital (leverage) ratio	8.7482%	4,943
Tier 1 risk-based capital ratio	11.5546%	5,625
Total risk-based capital ratio	12.8067%	5,598
Memoranda:
Average total assets	$198,114,000	3,239
Average earning assets	$175,933,000	3,307
Average equity	$18,637,500	3,374
Average total loans	$143,326,500	3,018
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4970%	4,159
Cost of funding earning assets	1.9445%	3,238
Net interest margin	3.5526%	4,733
Noninterest income to average assets	0.3067%	5,893
Noninterest expense to average assets	2.8238%	4,870
Loan and lease loss provision to assets	0.3776%	4,522
Net operating income to assets	0.2772%	4,617
Return on assets (ROA)	-1.3760%	6,805
Pretax return on assets	-2.2650%	7,047
Return on Equity (ROE)	-16.3395%	7,005
Retained earnings to average equity (ytd only)	-16.3395%	6,953
Net charge-offs to loans	0.3477%	4,490
Credit loss provision to net charge-offs	150.0000%	3,093
Earnings coverage of net charge-offs (x)	2.7639%	3,714
Efficiency ratio	80.2327%	2,852
Assets per employee ($millions)	3.7705%	4,355
Cash dividends to net income (ytd only)*	0.0000%	4,015
Condition Ratios (%)
Loss allowance to loans	1.3642%	4,411
Loan loss allowance to noncurrent loans	30.0337%	6,472
Noncurrent assets plus other real estate owned to assets	4.1613%	1,572
Noncurrent loans to loans	4.5423%	1,561
Net loans and leases to total assets	71.0212%	2,995
Net loans and leases to deposits	88.9468%	2,398
Net loans and leases to core deposits	109.6138%	2,942
Total domestic deposits to total assets	79.8468%	5,714
Equity capital to assets	9.2795%	4,723
Core capital (leverage) ratio	8.4151%	5,412
Tier 1 risk-based capital ratio	11.2122%	5,706
Total risk-based capital ratio	12.4638%	5,655
Memoranda:
Average total assets	$200,224,600	3,179
Average earning assets	$181,079,200	3,205
Average equity	$16,861,000	3,701
Average total loans	$144,956,200	3,003
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5973%	3,878
Cost of funding earning assets	2.0752%	3,011
Net interest margin	3.5221%	4,772
Noninterest income to average assets	0.4566%	4,858
Noninterest expense to average assets	2.9006%	4,451
Loan and lease loss provision to assets	0.4233%	3,783
Net operating income to assets	0.2206%	5,087
Return on assets (ROA)	-2.0174%	7,324
Pretax return on assets	-3.1136%	7,533
Return on Equity (ROE)	-24.5813%	7,498
Retained earnings to average equity (ytd only)	-24.5813%	7,474
Net charge-offs to loans	0.4664%	3,354
Credit loss provision to net charge-offs	125.1969%	4,018
Earnings coverage of net charge-offs (x)	2.2264%	4,150
Efficiency ratio	79.3952%	2,938
Assets per employee ($millions)	3.5735%	4,749
Cash dividends to net income (ytd only)*	0.0000%	3,688
Condition Ratios (%)
Loss allowance to loans	1.2806%	4,616
Loan loss allowance to noncurrent loans	37.2117%	5,900
Noncurrent assets plus other real estate owned to assets	3.7733%	1,717
Noncurrent loans to loans	3.4413%	2,172
Net loans and leases to total assets	70.8446%	3,306
Net loans and leases to deposits	89.8541%	2,610
Net loans and leases to core deposits	113.9337%	2,833
Total domestic deposits to total assets	78.8441%	5,853
Equity capital to assets	8.4137%	6,367
Core capital (leverage) ratio	7.9594%	6,432
Tier 1 risk-based capital ratio	9.5352%	7,347
Total risk-based capital ratio	10.6371%	7,415
Memoranda:
Average total assets	$200,321,000	3,201
Average earning assets	$181,821,250	3,217
Average equity	$16,440,250	3,825
Average total loans	$145,222,500	3,032
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7113%	3,472
Cost of funding earning assets	2.1642%	2,964
Net interest margin	3.5471%	4,586
Noninterest income to average assets	0.5220%	4,256
Noninterest expense to average assets	2.9093%	4,467
Loan and lease loss provision to assets	0.2395%	4,670
Net operating income to assets	0.4582%	4,261
Return on assets (ROA)	-0.4890%	6,545
Pretax return on assets	-0.8713%	6,731
Return on Equity (ROE)	-6.0093%	6,711
Retained earnings to average equity (ytd only)	-6.0093%	6,452
Net charge-offs to loans	0.3499%	3,439
Credit loss provision to net charge-offs	94.1176%	4,797
Earnings coverage of net charge-offs (x)	3.3333%	3,480
Efficiency ratio	77.4236%	3,435
Assets per employee ($millions)	3.4754%	4,879
Cash dividends to net income (ytd only)*	0.0000%	3,532
Condition Ratios (%)
Loss allowance to loans	1.1854%	5,042
Loan loss allowance to noncurrent loans	64.0000%	4,234
Noncurrent assets plus other real estate owned to assets	2.2007%	2,937
Noncurrent loans to loans	1.8522%	3,730
Net loans and leases to total assets	70.1387%	3,673
Net loans and leases to deposits	91.7397%	2,512
Net loans and leases to core deposits	117.4194%	2,596
Total domestic deposits to total assets	76.4541%	6,451
Equity capital to assets	8.2462%	6,420
Core capital (leverage) ratio	9.8756%	3,424
Tier 1 risk-based capital ratio	9.9698%	6,960
Total risk-based capital ratio	10.8268%	7,283
Memoranda:
Average total assets	$200,390,000	3,221
Average earning assets	$182,794,670	3,231
Average equity	$16,308,000	3,856
Average total loans	$145,760,330	3,056
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.8622%	2,978
Cost of funding earning assets	2.2977%	2,709
Net interest margin	3.5645%	4,466
Noninterest income to average assets	0.4585%	4,698
Noninterest expense to average assets	2.7708%	4,695
Loan and lease loss provision to assets	0.2402%	4,060
Net operating income to assets	0.4625%	4,604
Return on assets (ROA)	0.4625%	4,781
Pretax return on assets	0.7147%	4,383
Return on Equity (ROE)	5.7210%	4,159
Retained earnings to average equity (ytd only)	5.7210%	2,768
Net charge-offs to loans	-0.0027%	7,126
Credit loss provision to net charge-offs	-12,000.0000%	6,788
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	74.3686%	3,759
Assets per employee ($millions)	3.6441%	4,469
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	1.2457%	4,480
Loan loss allowance to noncurrent loans	38.3023%	5,992
Noncurrent assets plus other real estate owned to assets	2.4703%	2,321
Noncurrent loans to loans	3.2523%	1,980
Net loans and leases to total assets	72.4624%	3,137
Net loans and leases to deposits	99.6309%	1,460
Net loans and leases to core deposits	131.5686%	1,565
Total domestic deposits to total assets	72.7308%	7,097
Equity capital to assets	7.9916%	6,825
Core capital (leverage) ratio	10.3891%	3,036
Tier 1 risk-based capital ratio	13.2249%	4,037
Total risk-based capital ratio	14.4026%	4,003
Memoranda:
Average total assets	$199,799,000	3,247
Average earning assets	$183,138,000	3,248
Average equity	$16,151,000	3,914
Average total loans	$147,102,500	3,056
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.6588%	2,211
Cost of funding earning assets	3.0292%	1,755
Net interest margin	3.6296%	4,756
Noninterest income to average assets	0.5110%	4,536
Noninterest expense to average assets	2.6798%	5,341
Loan and lease loss provision to assets	0.2860%	4,096
Net operating income to assets	0.6024%	4,290
Return on assets (ROA)	-0.1959%	6,465
Pretax return on assets	-0.3662%	6,514
Return on Equity (ROE)	-2.1214%	6,526
Retained earnings to average equity (ytd only)	-6.3854%	6,707
Net charge-offs to loans	0.1949%	4,239
Credit loss provision to net charge-offs	205.3004%	2,364
Earnings coverage of net charge-offs (x)	8.3781%	2,893
Efficiency ratio	69.6609%	4,417
Assets per employee ($millions)	3.4943%	4,678
Cash dividends to net income (ytd only)*	-201.0050%	8,201
Condition Ratios (%)
Loss allowance to loans	1.1628%	4,831
Loan loss allowance to noncurrent loans	54.4731%	5,251
Noncurrent assets plus other real estate owned to assets	1.6468%	2,950
Noncurrent loans to loans	2.1347%	2,588
Net loans and leases to total assets	73.0166%	3,355
Net loans and leases to deposits	101.5445%	1,635
Net loans and leases to core deposits	141.0476%	1,213
Total domestic deposits to total assets	71.9060%	7,017
Equity capital to assets	8.1763%	6,584
Core capital (leverage) ratio	9.7948%	3,651
Tier 1 risk-based capital ratio	13.0024%	4,110
Total risk-based capital ratio	14.0961%	4,120
Memoranda:
Average total assets	$203,148,000	3,100
Average earning assets	$186,715,200	3,090
Average equity	$18,761,600	3,435
Average total loans	$145,216,200	3,005