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Adrian Bank, Performance and Condition Ratios

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2024-12-31		Rank
Percentage of unprofitable institutions	0.0000%	319
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7513%	1,662
Cost of funding earning assets	1.4767%	3,393
Net interest margin	4.2746%	855
Noninterest income to average assets	0.4100%	2,407
Noninterest expense to average assets	2.3965%	2,582
Loan and lease loss provision to assets	0.1500%	931
Net operating income to assets	1.9679%	410
Return on assets (ROA)	1.9679%	414
Pretax return on assets	1.9679%	630
Return on Equity (ROE)	22.2700%	282
Retained earnings to average equity (ytd only)	9.0606%	782
Net charge-offs to loans	0.1323%	980
Credit loss provision to net charge-offs	169.3333%	1,280
Earnings coverage of net charge-offs (x)	25.0400%	1,662
Efficiency ratio	53.1437%	3,783
Assets per employee ($millions)	6.0149%	2,871
Cash dividends to net income (ytd only)*	59.3196%	1,218
Condition Ratios (%)
Loss allowance to loans	1.2182%	2,074
Loan loss allowance to noncurrent loans	186.3868%	2,267
Noncurrent assets plus other real estate owned to assets	0.4356%	1,609
Noncurrent loans to loans	0.6536%	1,492
Net loans and leases to total assets	65.8300%	2,376
Net loans and leases to deposits	76.0003%	2,462
Net loans and leases to core deposits	79.4591%	2,815
Total domestic deposits to total assets	86.6200%	1,991
Equity capital to assets	8.8386%	2,944
Core capital (leverage) ratio	11.9786%	1,449
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.5412%	553
Memoranda:
Average total assets	$177,756,400	3,143
Average earning assets	$170,310,200	3,092
Average equity	$15,705,400	3,279
Average total loans	$113,369,800	3,068
2024-09-30		Rank
Percentage of unprofitable institutions	0.0000%	305
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6677%	1,773
Cost of funding earning assets	1.4517%	3,448
Net interest margin	4.2160%	885
Noninterest income to average assets	0.4100%	2,365
Noninterest expense to average assets	2.4026%	2,518
Loan and lease loss provision to assets	0.1300%	993
Net operating income to assets	1.9139%	492
Return on assets (ROA)	1.9139%	496
Pretax return on assets	1.9139%	737
Return on Equity (ROE)	21.6600%	324
Retained earnings to average equity (ytd only)	12.0764%	498
Net charge-offs to loans	0.1397%	787
Credit loss provision to net charge-offs	138.4615%	1,358
Earnings coverage of net charge-offs (x)	23.1538%	1,661
Efficiency ratio	54.0847%	3,713
Assets per employee ($millions)	5.8407%	3,001
Cash dividends to net income (ytd only)*	44.2565%	1,601
Condition Ratios (%)
Loss allowance to loans	1.2068%	2,177
Loan loss allowance to noncurrent loans	1,364.0777%	574
Noncurrent assets plus other real estate owned to assets	0.0569%	3,333
Noncurrent loans to loans	0.0885%	3,244
Net loans and leases to total assets	63.5300%	2,579
Net loans and leases to deposits	75.0733%	2,608
Net loans and leases to core deposits	78.0048%	2,955
Total domestic deposits to total assets	84.6200%	2,412
Equity capital to assets	9.6349%	2,553
Core capital (leverage) ratio	12.0885%	1,440
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.8592%	543
Memoranda:
Average total assets	$177,083,750	3,145
Average earning assets	$169,542,250	3,102
Average equity	$15,644,500	3,287
Average total loans	$111,647,750	3,087
2024-06-30		Rank
Percentage of unprofitable institutions	0.0000%	306
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6522%	1,689
Cost of funding earning assets	1.3825%	3,496
Net interest margin	4.2697%	823
Noninterest income to average assets	0.4000%	2,384
Noninterest expense to average assets	2.3862%	2,556
Loan and lease loss provision to assets	0.0700%	1,571
Net operating income to assets	2.0358%	422
Return on assets (ROA)	2.0358%	418
Pretax return on assets	2.0358%	610
Return on Equity (ROE)	23.7800%	262
Retained earnings to average equity (ytd only)	13.8125%	372
Net charge-offs to loans	0.0709%	1,068
Credit loss provision to net charge-offs	151.2821%	1,210
Earnings coverage of net charge-offs (x)	47.4103%	1,151
Efficiency ratio	53.1424%	3,821
Assets per employee ($millions)	5.7346%	3,023
Cash dividends to net income (ytd only)*	41.9229%	1,745
Condition Ratios (%)
Loss allowance to loans	1.2151%	2,171
Loan loss allowance to noncurrent loans	5,524.0000%	208
Noncurrent assets plus other real estate owned to assets	0.0371%	3,440
Noncurrent loans to loans	0.0220%	3,616
Net loans and leases to total assets	63.1500%	2,631
Net loans and leases to deposits	72.6957%	2,789
Net loans and leases to core deposits	75.4709%	3,070
Total domestic deposits to total assets	86.8700%	1,697
Equity capital to assets	8.6447%	2,999
Core capital (leverage) ratio	11.8949%	1,506
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.8503%	541
Memoranda:
Average total assets	$175,758,000	3,167
Average earning assets	$168,537,333	3,115
Average equity	$15,044,333	3,315
Average total loans	$110,054,667	3,107
2024-03-31		Rank
Percentage of unprofitable institutions	0.0000%	11
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5508%	1,709
Cost of funding earning assets	1.3283%	3,515
Net interest margin	4.2225%	829
Noninterest income to average assets	0.3900%	2,363
Noninterest expense to average assets	2.3325%	2,702
Loan and lease loss provision to assets	0.0700%	1,402
Net operating income to assets	2.0509%	413
Return on assets (ROA)	2.0509%	420
Pretax return on assets	2.0509%	598
Return on Equity (ROE)	24.0800%	265
Retained earnings to average equity (ytd only)	14.0030%	504
Net charge-offs to loans	0.0554%	998
Credit loss provision to net charge-offs	253.3333%	719
Earnings coverage of net charge-offs (x)	61.8667%	876
Efficiency ratio	52.3369%	3,876
Assets per employee ($millions)	5.9469%	2,886
Cash dividends to net income (ytd only)*	41.8527%	1,497
Condition Ratios (%)
Loss allowance to loans	1.2779%	1,867
Loan loss allowance to noncurrent loans	3,008.6957%	354
Noncurrent assets plus other real estate owned to assets	0.0267%	3,558
Noncurrent loans to loans	0.0425%	3,458
Net loans and leases to total assets	62.0000%	2,671
Net loans and leases to deposits	69.3324%	2,943
Net loans and leases to core deposits	71.8145%	3,231
Total domestic deposits to total assets	89.4200%	984
Equity capital to assets	8.6686%	2,908
Core capital (leverage) ratio	11.7299%	1,543
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.0766%	539
Memoranda:
Average total assets	$174,750,000	3,176
Average earning assets	$168,336,000	3,125
Average equity	$14,882,500	3,339
Average total loans	$108,257,000	3,131
2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7912%	2,486
Cost of funding earning assets	0.9096%	3,502
Net interest margin	3.8816%	1,415
Noninterest income to average assets	0.4300%	2,344
Noninterest expense to average assets	2.2519%	2,977
Loan and lease loss provision to assets	0.0900%	1,416
Net operating income to assets	1.8301%	585
Return on assets (ROA)	1.8203%	575
Pretax return on assets	1.8203%	864
Return on Equity (ROE)	24.5000%	328
Retained earnings to average equity (ytd only)	9.3970%	1,156
Net charge-offs to loans	0.0362%	1,581
Credit loss provision to net charge-offs	424.3243%	755
Earnings coverage of net charge-offs (x)	90.1892%	955
Efficiency ratio	53.9724%	3,678
Assets per employee ($millions)	5.7109%	3,063
Cash dividends to net income (ytd only)*	61.6503%	1,122
Condition Ratios (%)
Loss allowance to loans	1.2578%	1,976
Loan loss allowance to noncurrent loans	610.3139%	1,258
Noncurrent assets plus other real estate owned to assets	0.1260%	2,702
Noncurrent loans to loans	0.2061%	2,483
Net loans and leases to total assets	60.3500%	2,814
Net loans and leases to deposits	69.5299%	2,920
Net loans and leases to core deposits	72.0626%	3,186
Total domestic deposits to total assets	86.8000%	1,754
Equity capital to assets	8.3682%	3,142
Core capital (leverage) ratio	12.0610%	1,384
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.7967%	553
Memoranda:
Average total assets	$173,764,800	3,172
Average earning assets	$167,327,600	3,121
Average equity	$12,908,400	3,433
Average total loans	$102,129,600	3,157
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6571%	2,560
Cost of funding earning assets	0.7950%	3,531
Net interest margin	3.8621%	1,475
Noninterest income to average assets	0.4400%	2,254
Noninterest expense to average assets	2.1709%	3,153
Loan and lease loss provision to assets	0.0800%	1,428
Net operating income to assets	1.9057%	559
Return on assets (ROA)	1.8926%	558
Pretax return on assets	1.8926%	868
Return on Equity (ROE)	26.3300%	338
Retained earnings to average equity (ytd only)	14.2642%	641
Net charge-offs to loans	0.0411%	1,299
Credit loss provision to net charge-offs	325.8065%	837
Earnings coverage of net charge-offs (x)	83.0000%	1,028
Efficiency ratio	52.2546%	3,739
Assets per employee ($millions)	5.7077%	3,013
Cash dividends to net income (ytd only)*	45.8248%	1,422
Condition Ratios (%)
Loss allowance to loans	1.2595%	2,056
Loan loss allowance to noncurrent loans	720.3297%	1,111
Noncurrent assets plus other real estate owned to assets	0.1063%	2,868
Noncurrent loans to loans	0.1748%	2,670
Net loans and leases to total assets	60.0200%	2,845
Net loans and leases to deposits	67.1416%	3,047
Net loans and leases to core deposits	69.1216%	3,259
Total domestic deposits to total assets	89.4000%	1,117
Equity capital to assets	6.5735%	3,804
Core capital (leverage) ratio	12.1980%	1,340
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.4465%	521
Memoranda:
Average total assets	$172,946,250	3,187
Average earning assets	$166,364,000	3,132
Average equity	$12,431,750	3,485
Average total loans	$100,609,750	3,171
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5010%	2,641
Cost of funding earning assets	0.6517%	3,622
Net interest margin	3.8493%	1,525
Noninterest income to average assets	0.4300%	2,254
Noninterest expense to average assets	2.1900%	3,104
Loan and lease loss provision to assets	0.0500%	1,895
Net operating income to assets	1.8938%	566
Return on assets (ROA)	1.8742%	580
Pretax return on assets	1.8742%	897
Return on Equity (ROE)	25.3600%	364
Retained earnings to average equity (ytd only)	13.6622%	725
Net charge-offs to loans	0.0342%	1,210
Credit loss provision to net charge-offs	264.7059%	925
Earnings coverage of net charge-offs (x)	99.2941%	941
Efficiency ratio	52.9543%	3,703
Assets per employee ($millions)	6.1734%	2,566
Cash dividends to net income (ytd only)*	46.1255%	1,451
Condition Ratios (%)
Loss allowance to loans	1.2457%	2,193
Loan loss allowance to noncurrent loans	613.0435%	1,330
Noncurrent assets plus other real estate owned to assets	0.1198%	2,700
Noncurrent loans to loans	0.2032%	2,452
Net loans and leases to total assets	58.2000%	2,947
Net loans and leases to deposits	65.7540%	3,074
Net loans and leases to core deposits	67.3299%	3,270
Total domestic deposits to total assets	88.5100%	1,422
Equity capital to assets	7.6509%	3,433
Core capital (leverage) ratio	11.9720%	1,388
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.3527%	534
Memoranda:
Average total assets	$173,517,667	3,191
Average earning assets	$166,940,000	3,134
Average equity	$12,823,667	3,454
Average total loans	$99,449,667	3,177
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3150%	2,765
Cost of funding earning assets	0.4871%	3,739
Net interest margin	3.8279%	1,626
Noninterest income to average assets	0.4100%	2,332
Noninterest expense to average assets	2.0386%	3,529
Loan and lease loss provision to assets	0.0000%	2,553
Net operating income to assets	2.0593%	454
Return on assets (ROA)	2.0201%	468
Pretax return on assets	2.0201%	747
Return on Equity (ROE)	27.8200%	298
Retained earnings to average equity (ytd only)	15.9392%	693
Net charge-offs to loans	-0.0692%	4,436
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	49.7473%	3,960
Assets per employee ($millions)	5.9135%	2,826
Cash dividends to net income (ytd only)*	42.7107%	1,380
Condition Ratios (%)
Loss allowance to loans	1.2492%	2,297
Loan loss allowance to noncurrent loans	708.6207%	1,279
Noncurrent assets plus other real estate owned to assets	0.1015%	2,817
Noncurrent loans to loans	0.1763%	2,597
Net loans and leases to total assets	56.8400%	2,973
Net loans and leases to deposits	62.7131%	3,185
Net loans and leases to core deposits	64.2273%	3,332
Total domestic deposits to total assets	90.6300%	932
Equity capital to assets	7.7625%	3,403
Core capital (leverage) ratio	11.6480%	1,477
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.5009%	533
Memoranda:
Average total assets	$173,848,500	3,232
Average earning assets	$167,507,500	3,170
Average equity	$12,623,000	3,510
Average total loans	$98,238,500	3,229
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8811%	2,033
Cost of funding earning assets	0.3979%	2,126
Net interest margin	3.4832%	1,982
Noninterest income to average assets	0.4300%	2,497
Noninterest expense to average assets	2.0509%	3,438
Loan and lease loss provision to assets	0.0100%	2,705
Net operating income to assets	1.7384%	500
Return on assets (ROA)	1.7088%	503
Pretax return on assets	1.7088%	900
Return on Equity (ROE)	22.7000%	292
Retained earnings to average equity (ytd only)	8.2056%	1,752
Net charge-offs to loans	0.0170%	1,776
Credit loss provision to net charge-offs	62.5000%	1,760
Earnings coverage of net charge-offs (x)	195.3125%	652
Efficiency ratio	54.0441%	3,792
Assets per employee ($millions)	5.8735%	2,882
Cash dividends to net income (ytd only)*	63.8472%	830
Condition Ratios (%)
Loss allowance to loans	1.2488%	2,158
Loan loss allowance to noncurrent loans	682.1229%	1,285
Noncurrent assets plus other real estate owned to assets	0.1016%	2,830
Noncurrent loans to loans	0.1831%	2,572
Net loans and leases to total assets	54.8000%	3,136
Net loans and leases to deposits	61.5211%	3,233
Net loans and leases to core deposits	62.9174%	3,334
Total domestic deposits to total assets	89.0700%	1,700
Equity capital to assets	6.7728%	3,777
Core capital (leverage) ratio	11.1441%	1,723
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.8487%	559
Memoranda:
Average total assets	$179,192,200	3,199
Average earning assets	$172,915,400	3,122
Average equity	$13,490,800	3,523
Average total loans	$94,300,000	3,226
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7577%	1,866
Cost of funding earning assets	0.3661%	1,556
Net interest margin	3.3916%	1,999
Noninterest income to average assets	0.4400%	2,486
Noninterest expense to average assets	1.9643%	3,574
Loan and lease loss provision to assets	0.0100%	2,534
Net operating income to assets	1.7465%	474
Return on assets (ROA)	1.7346%	477
Pretax return on assets	1.7346%	838
Return on Equity (ROE)	22.4900%	275
Retained earnings to average equity (ytd only)	11.6808%	869
Net charge-offs to loans	-0.0086%	3,652
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	0.0000%	2,297
Efficiency ratio	52.8298%	3,937
Assets per employee ($millions)	5.6829%	3,047
Cash dividends to net income (ytd only)*	48.0564%	1,274
Condition Ratios (%)
Loss allowance to loans	1.2885%	2,087
Loan loss allowance to noncurrent loans	592.3810%	1,406
Noncurrent assets plus other real estate owned to assets	0.1192%	2,772
Noncurrent loans to loans	0.2175%	2,522
Net loans and leases to total assets	54.1000%	3,090
Net loans and leases to deposits	59.2025%	3,267
Net loans and leases to core deposits	60.6728%	3,333
Total domestic deposits to total assets	91.3800%	1,086
Equity capital to assets	5.3732%	4,169
Core capital (leverage) ratio	10.9065%	1,805
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.0942%	556
Memoranda:
Average total assets	$179,939,000	3,211
Average earning assets	$173,719,750	3,142
Average equity	$13,880,000	3,527
Average total loans	$93,431,500	3,251
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6200%	1,774
Cost of funding earning assets	0.3605%	1,189
Net interest margin	3.2594%	2,031
Noninterest income to average assets	0.4470%	2,472
Noninterest expense to average assets	1.9482%	3,577
Loan and lease loss provision to assets	0.0055%	2,506
Net operating income to assets	1.6568%	479
Return on assets (ROA)	1.6568%	473
Pretax return on assets	1.6568%	832
Return on Equity (ROE)	19.5553%	337
Retained earnings to average equity (ytd only)	9.7842%	1,079
Net charge-offs to loans	0.0476%	921
Credit loss provision to net charge-offs	22.7273%	1,596
Earnings coverage of net charge-offs (x)	68.4545%	1,016
Efficiency ratio	53.9590%	3,970
Assets per employee ($millions)	5.8613%	2,862
Cash dividends to net income (ytd only)*	49.9667%	1,346
Condition Ratios (%)
Loss allowance to loans	1.3021%	2,184
Loan loss allowance to noncurrent loans	621.0256%	1,337
Noncurrent assets plus other real estate owned to assets	0.1073%	2,958
Noncurrent loans to loans	0.2097%	2,665
Net loans and leases to total assets	50.5198%	3,319
Net loans and leases to deposits	54.3649%	3,514
Net loans and leases to core deposits	55.6489%	3,594
Total domestic deposits to total assets	92.9273%	533
Equity capital to assets	6.7518%	3,909
Core capital (leverage) ratio	10.5522%	1,904
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.3880%	512
Memoranda:
Average total assets	$181,195,333	3,237
Average earning assets	$175,858,000	3,163
Average equity	$15,351,333	3,468
Average total loans	$92,392,000	3,295
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5603%	1,623
Cost of funding earning assets	0.3597%	1,132
Net interest margin	3.2006%	1,880
Noninterest income to average assets	0.4377%	2,454
Noninterest expense to average assets	1.8481%	3,820
Loan and lease loss provision to assets	0.0111%	2,134
Net operating income to assets	1.6867%	422
Return on assets (ROA)	1.6867%	426
Pretax return on assets	1.6867%	703
Return on Equity (ROE)	18.0667%	331
Retained earnings to average equity (ytd only)	9.7792%	1,078
Net charge-offs to loans	0.0174%	1,183
Credit loss provision to net charge-offs	125.0000%	914
Earnings coverage of net charge-offs (x)	192.0000%	440
Efficiency ratio	52.1197%	4,192
Assets per employee ($millions)	6.3174%	2,537
Cash dividends to net income (ytd only)*	45.8716%	1,354
Condition Ratios (%)
Loss allowance to loans	1.3526%	2,107
Loan loss allowance to noncurrent loans	501.6327%	1,496
Noncurrent assets plus other real estate owned to assets	0.1337%	2,860
Noncurrent loans to loans	0.2696%	2,508
Net loans and leases to total assets	48.9242%	3,289
Net loans and leases to deposits	53.3635%	3,465
Net loans and leases to core deposits	54.6304%	3,552
Total domestic deposits to total assets	91.6809%	706
Equity capital to assets	8.0872%	3,501
Core capital (leverage) ratio	10.2257%	2,079
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.6433%	511
Memoranda:
Average total assets	$180,943,500	3,245
Average earning assets	$175,715,000	3,178
Average equity	$16,893,000	3,404
Average total loans	$92,085,500	3,300
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5806%	2,442
Cost of funding earning assets	0.4064%	1,503
Net interest margin	3.1742%	2,672
Noninterest income to average assets	0.7543%	1,581
Noninterest expense to average assets	2.0521%	3,526
Loan and lease loss provision to assets	0.0029%	3,019
Net operating income to assets	1.7603%	557
Return on assets (ROA)	1.7933%	537
Pretax return on assets	1.7933%	931
Return on Equity (ROE)	16.0798%	745
Retained earnings to average equity (ytd only)	5.3876%	2,624
Net charge-offs to loans	0.0380%	1,492
Credit loss provision to net charge-offs	14.2857%	2,289
Earnings coverage of net charge-offs (x)	87.0286%	950
Efficiency ratio	53.7855%	3,952
Assets per employee ($millions)	5.9561%	2,824
Cash dividends to net income (ytd only)*	66.4945%	850
Condition Ratios (%)
Loss allowance to loans	1.3160%	2,287
Loan loss allowance to noncurrent loans	409.3333%	1,676
Noncurrent assets plus other real estate owned to assets	0.1679%	2,754
Noncurrent loans to loans	0.3215%	2,440
Net loans and leases to total assets	51.5343%	3,117
Net loans and leases to deposits	58.4050%	3,214
Net loans and leases to core deposits	59.8816%	3,320
Total domestic deposits to total assets	88.2362%	1,916
Equity capital to assets	10.6166%	2,077
Core capital (leverage) ratio	10.2812%	2,098
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.8890%	566
Memoranda:
Average total assets	$172,753,000	3,275
Average earning assets	$166,591,200	3,219
Average equity	$19,266,400	3,278
Average total loans	$92,052,000	3,307
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5985%	2,567
Cost of funding earning assets	0.4116%	1,613
Net interest margin	3.1869%	2,769
Noninterest income to average assets	0.8454%	1,392
Noninterest expense to average assets	1.8987%	3,949
Loan and lease loss provision to assets	0.0000%	2,963
Net operating income to assets	2.0085%	452
Return on assets (ROA)	2.0528%	448
Pretax return on assets	2.0528%	732
Return on Equity (ROE)	18.1790%	607
Retained earnings to average equity (ytd only)	9.2170%	1,611
Net charge-offs to loans	0.0451%	1,215
Credit loss provision to net charge-offs	0.0000%	2,044
Earnings coverage of net charge-offs (x)	83.2258%	961
Efficiency ratio	48.5953%	4,326
Assets per employee ($millions)	5.5140%	3,183
Cash dividends to net income (ytd only)*	49.2984%	1,225
Condition Ratios (%)
Loss allowance to loans	1.3627%	2,170
Loan loss allowance to noncurrent loans	429.0210%	1,529
Noncurrent assets plus other real estate owned to assets	0.1621%	3,035
Noncurrent loans to loans	0.3176%	2,638
Net loans and leases to total assets	50.3352%	3,371
Net loans and leases to deposits	56.8994%	3,499
Net loans and leases to core deposits	58.4358%	3,590
Total domestic deposits to total assets	88.4635%	1,590
Equity capital to assets	11.1296%	1,927
Core capital (leverage) ratio	10.5989%	1,982
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.1040%	684
Memoranda:
Average total assets	$171,270,500	3,320
Average earning assets	$164,545,250	3,268
Average equity	$19,340,500	3,307
Average total loans	$91,737,250	3,353
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6019%	2,614
Cost of funding earning assets	0.4166%	1,751
Net interest margin	3.1853%	2,795
Noninterest income to average assets	1.0546%	987
Noninterest expense to average assets	1.7836%	4,220
Loan and lease loss provision to assets	0.0000%	2,862
Net operating income to assets	2.3286%	273
Return on assets (ROA)	2.3286%	291
Pretax return on assets	2.3286%	461
Return on Equity (ROE)	20.5183%	418
Retained earnings to average equity (ytd only)	12.2029%	873
Net charge-offs to loans	0.0650%	972
Credit loss provision to net charge-offs	0.0000%	1,801
Earnings coverage of net charge-offs (x)	65.8000%	928
Efficiency ratio	43.3735%	4,649
Assets per employee ($millions)	5.4757%	3,152
Cash dividends to net income (ytd only)*	40.5268%	1,596
Condition Ratios (%)
Loss allowance to loans	1.3471%	2,207
Loan loss allowance to noncurrent loans	324.0106%	1,777
Noncurrent assets plus other real estate owned to assets	0.2163%	2,852
Noncurrent loans to loans	0.4157%	2,436
Net loans and leases to total assets	51.3255%	3,417
Net loans and leases to deposits	58.0370%	3,542
Net loans and leases to core deposits	59.6226%	3,645
Total domestic deposits to total assets	88.4357%	1,599
Equity capital to assets	11.2144%	1,823
Core capital (leverage) ratio	10.6261%	1,853
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	24.1358%	476
Memoranda:
Average total assets	$169,544,333	3,346
Average earning assets	$162,746,333	3,286
Average equity	$19,241,333	3,312
Average total loans	$92,302,000	3,365
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6876%	2,390
Cost of funding earning assets	0.4297%	1,864
Net interest margin	3.2579%	2,521
Noninterest income to average assets	1.0054%	1,121
Noninterest expense to average assets	1.6052%	4,525
Loan and lease loss provision to assets	0.0000%	2,741
Net operating income to assets	2.5290%	253
Return on assets (ROA)	2.5290%	275
Pretax return on assets	2.5290%	417
Return on Equity (ROE)	22.1463%	381
Retained earnings to average equity (ytd only)	15.8428%	538
Net charge-offs to loans	-0.0086%	3,616
Credit loss provision to net charge-offs	0.0000%	1,471
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	38.8276%	4,782
Assets per employee ($millions)	5.2612%	3,373
Cash dividends to net income (ytd only)*	28.4630%	1,761
Condition Ratios (%)
Loss allowance to loans	1.3619%	2,137
Loan loss allowance to noncurrent loans	195.9565%	2,403
Noncurrent assets plus other real estate owned to assets	0.3704%	2,317
Noncurrent loans to loans	0.6950%	1,851
Net loans and leases to total assets	52.5616%	3,388
Net loans and leases to deposits	59.2428%	3,544
Net loans and leases to core deposits	60.7145%	3,659
Total domestic deposits to total assets	88.7224%	1,487
Equity capital to assets	10.9976%	1,866
Core capital (leverage) ratio	10.8492%	1,818
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.9592%	588
Memoranda:
Average total assets	$166,706,000	3,370
Average earning assets	$160,103,000	3,305
Average equity	$19,037,000	3,326
Average total loans	$92,872,500	3,366
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3599%	1,693
Cost of funding earning assets	0.5159%	2,843
Net interest margin	3.8440%	1,376
Noninterest income to average assets	0.5215%	2,540
Noninterest expense to average assets	2.3433%	3,290
Loan and lease loss provision to assets	0.0099%	4,234
Net operating income to assets	1.8615%	344
Return on assets (ROA)	1.8980%	343
Pretax return on assets	1.8980%	553
Return on Equity (ROE)	15.5711%	556
Retained earnings to average equity (ytd only)	5.3227%	2,131
Net charge-offs to loans	0.0116%	2,911
Credit loss provision to net charge-offs	136.3636%	2,510
Earnings coverage of net charge-offs (x)	256.7273%	392
Efficiency ratio	55.5975%	4,033
Assets per employee ($millions)	5.1546%	3,219
Cash dividends to net income (ytd only)*	65.8170%	1,111
Condition Ratios (%)
Loss allowance to loans	1.3494%	2,191
Loan loss allowance to noncurrent loans	282.0628%	1,800
Noncurrent assets plus other real estate owned to assets	0.2791%	2,901
Noncurrent loans to loans	0.4784%	2,535
Net loans and leases to total assets	57.5557%	3,139
Net loans and leases to deposits	65.4800%	3,322
Net loans and leases to core deposits	67.2630%	3,457
Total domestic deposits to total assets	87.8981%	1,526
Equity capital to assets	11.8779%	1,634
Core capital (leverage) ratio	11.0348%	1,773
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.9836%	504
Memoranda:
Average total assets	$150,899,600	3,398
Average earning assets	$144,980,200	3,325
Average equity	$18,393,000	3,334
Average total loans	$94,877,800	3,316
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4485%	1,703
Cost of funding earning assets	0.5214%	3,103
Net interest margin	3.9270%	1,290
Noninterest income to average assets	0.5677%	2,315
Noninterest expense to average assets	2.0438%	4,062
Loan and lease loss provision to assets	0.0047%	4,213
Net operating income to assets	2.2949%	180
Return on assets (ROA)	2.3137%	181
Pretax return on assets	2.3137%	273
Return on Equity (ROE)	18.8527%	302
Retained earnings to average equity (ytd only)	10.6321%	647
Net charge-offs to loans	-0.0756%	4,772
Credit loss provision to net charge-offs	-9.2593%	3,500
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	47.0576%	4,660
Assets per employee ($millions)	4.7961%	3,490
Cash dividends to net income (ytd only)*	43.6047%	1,768
Condition Ratios (%)
Loss allowance to loans	1.3922%	1,766
Loan loss allowance to noncurrent loans	174.1379%	2,441
Noncurrent assets plus other real estate owned to assets	0.4913%	2,233
Noncurrent loans to loans	0.7995%	1,822
Net loans and leases to total assets	60.5966%	3,151
Net loans and leases to deposits	69.6285%	3,342
Net loans and leases to core deposits	71.6239%	3,509
Total domestic deposits to total assets	87.0284%	1,658
Equity capital to assets	12.5259%	1,410
Core capital (leverage) ratio	11.4664%	1,603
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.0729%	667
Memoranda:
Average total assets	$148,676,250	3,410
Average earning assets	$142,937,000	3,333
Average equity	$18,246,250	3,346
Average total loans	$95,290,250	3,317
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5716%	1,723
Cost of funding earning assets	0.5237%	3,390
Net interest margin	4.0479%	1,224
Noninterest income to average assets	0.6187%	2,065
Noninterest expense to average assets	1.9242%	4,374
Loan and lease loss provision to assets	0.0068%	4,101
Net operating income to assets	2.5769%	126
Return on assets (ROA)	2.6054%	130
Pretax return on assets	2.6054%	180
Return on Equity (ROE)	21.3835%	187
Retained earnings to average equity (ytd only)	14.4082%	251
Net charge-offs to loans	-0.1715%	4,921
Credit loss provision to net charge-offs	-6.0976%	3,328
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	42.6848%	4,841
Assets per employee ($millions)	5.0263%	3,143
Cash dividends to net income (ytd only)*	32.6200%	2,246
Condition Ratios (%)
Loss allowance to loans	1.4273%	1,491
Loan loss allowance to noncurrent loans	186.2500%	2,256
Noncurrent assets plus other real estate owned to assets	0.4621%	2,474
Noncurrent loans to loans	0.7663%	1,966
Net loans and leases to total assets	59.4372%	3,381
Net loans and leases to deposits	67.9382%	3,569
Net loans and leases to core deposits	70.9943%	3,644
Total domestic deposits to total assets	87.4871%	1,421
Equity capital to assets	12.1400%	1,576
Core capital (leverage) ratio	11.6956%	1,552
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.8092%	795
Memoranda:
Average total assets	$147,077,000	3,404
Average earning assets	$141,308,333	3,333
Average equity	$17,920,333	3,369
Average total loans	$95,616,000	3,307
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7477%	1,561
Cost of funding earning assets	0.5304%	3,787
Net interest margin	4.2173%	890
Noninterest income to average assets	0.5830%	2,114
Noninterest expense to average assets	1.8331%	4,627
Loan and lease loss provision to assets	0.0140%	3,608
Net operating income to assets	2.8141%	79
Return on assets (ROA)	2.8730%	81
Pretax return on assets	2.8730%	110
Return on Equity (ROE)	23.5328%	89
Retained earnings to average equity (ytd only)	14.9232%	199
Net charge-offs to loans	-0.3069%	4,981
Credit loss provision to net charge-offs	-6.7568%	3,088
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	39.3265%	4,989
Assets per employee ($millions)	4.6752%	3,022
Cash dividends to net income (ytd only)*	36.5854%	1,966
Condition Ratios (%)
Loss allowance to loans	1.4022%	1,690
Loan loss allowance to noncurrent loans	101.5232%	3,221
Noncurrent assets plus other real estate owned to assets	0.9059%	1,476
Noncurrent loans to loans	1.3811%	1,164
Net loans and leases to total assets	64.6749%	2,983
Net loans and leases to deposits	74.0325%	3,271
Net loans and leases to core deposits	76.2666%	3,478
Total domestic deposits to total assets	87.3602%	1,398
Equity capital to assets	12.3604%	1,824
Core capital (leverage) ratio	11.9673%	1,762
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	18.2983%	1,100
Memoranda:
Average total assets	$142,708,000	3,430
Average earning assets	$138,003,500	3,339
Average equity	$17,422,500	3,428
Average total loans	$96,447,500	3,270
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8389%	1,925
Cost of funding earning assets	0.5264%	3,983
Net interest margin	4.3126%	1,067
Noninterest income to average assets	0.5746%	2,339
Noninterest expense to average assets	2.5074%	3,431
Loan and lease loss provision to assets	0.0738%	2,519
Net operating income to assets	2.1424%	251
Return on assets (ROA)	2.1501%	260
Pretax return on assets	2.1501%	427
Return on Equity (ROE)	18.6266%	295
Retained earnings to average equity (ytd only)	7.4458%	1,189
Net charge-offs to loans	0.0452%	2,479
Credit loss provision to net charge-offs	244.1860%	1,109
Earnings coverage of net charge-offs (x)	73.2791%	850
Efficiency ratio	53.0822%	4,510
Assets per employee ($millions)	4.6828%	2,967
Cash dividends to net income (ytd only)*	60.0262%	1,558
Condition Ratios (%)
Loss allowance to loans	1.2818%	2,021
Loan loss allowance to noncurrent loans	141.3754%	2,688
Noncurrent assets plus other real estate owned to assets	0.6385%	1,989
Noncurrent loans to loans	0.9067%	1,693
Net loans and leases to total assets	68.7433%	2,576
Net loans and leases to deposits	79.1856%	2,887
Net loans and leases to core deposits	81.7509%	3,149
Total domestic deposits to total assets	86.8128%	1,702
Equity capital to assets	12.0518%	2,108
Core capital (leverage) ratio	11.5859%	2,046
Tier 1 risk-based capital ratio	16.0210%	2,401
Total risk-based capital ratio	17.2410%	2,358
Memoranda:
Average total assets	$142,180,200	3,406
Average earning assets	$136,786,000	3,328
Average equity	$16,412,000	3,510
Average total loans	$95,224,000	3,292
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8019%	2,112
Cost of funding earning assets	0.5172%	4,077
Net interest margin	4.2847%	1,190
Noninterest income to average assets	0.5685%	2,363
Noninterest expense to average assets	2.0382%	4,479
Loan and lease loss provision to assets	0.0280%	3,345
Net operating income to assets	2.6151%	140
Return on assets (ROA)	2.6235%	144
Pretax return on assets	2.6235%	197
Return on Equity (ROE)	22.9774%	132
Retained earnings to average equity (ytd only)	13.7652%	215
Net charge-offs to loans	0.0409%	2,274
Credit loss provision to net charge-offs	103.4483%	2,185
Earnings coverage of net charge-offs (x)	97.4719%	768
Efficiency ratio	43.5390%	5,031
Assets per employee ($millions)	4.5974%	3,055
Cash dividends to net income (ytd only)*	40.0926%	2,154
Condition Ratios (%)
Loss allowance to loans	1.2640%	2,151
Loan loss allowance to noncurrent loans	134.4983%	2,811
Noncurrent assets plus other real estate owned to assets	0.6294%	2,114
Noncurrent loans to loans	0.9398%	1,712
Net loans and leases to total assets	65.3871%	3,129
Net loans and leases to deposits	75.0610%	3,376
Net loans and leases to core deposits	77.5457%	3,586
Total domestic deposits to total assets	87.1119%	1,461
Equity capital to assets	12.2384%	2,086
Core capital (leverage) ratio	12.0009%	1,850
Tier 1 risk-based capital ratio	16.9042%	2,116
Total risk-based capital ratio	18.0956%	2,081
Memoranda:
Average total assets	$142,604,000	3,434
Average earning assets	$136,887,500	3,364
Average equity	$16,282,250	3,548
Average total loans	$94,573,000	3,343
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7740%	2,141
Cost of funding earning assets	0.5128%	4,059
Net interest margin	4.2612%	1,216
Noninterest income to average assets	0.5483%	2,393
Noninterest expense to average assets	1.8874%	4,769
Loan and lease loss provision to assets	0.0070%	3,588
Net operating income to assets	2.7553%	112
Return on assets (ROA)	2.7581%	117
Pretax return on assets	2.7581%	166
Return on Equity (ROE)	24.7489%	99
Retained earnings to average equity (ytd only)	15.3123%	156
Net charge-offs to loans	-0.0042%	4,082
Credit loss provision to net charge-offs	-250.0000%	4,013
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	40.5911%	5,149
Assets per employee ($millions)	4.5825%	3,023
Cash dividends to net income (ytd only)*	38.1291%	2,281
Condition Ratios (%)
Loss allowance to loans	1.2698%	2,137
Loan loss allowance to noncurrent loans	145.8637%	2,693
Noncurrent assets plus other real estate owned to assets	0.6082%	2,205
Noncurrent loans to loans	0.8705%	1,858
Net loans and leases to total assets	65.6258%	3,154
Net loans and leases to deposits	74.7968%	3,447
Net loans and leases to core deposits	77.2583%	3,628
Total domestic deposits to total assets	87.7387%	1,229
Equity capital to assets	11.8635%	2,294
Core capital (leverage) ratio	11.5317%	2,133
Tier 1 risk-based capital ratio	16.4231%	2,272
Total risk-based capital ratio	17.6191%	2,221
Memoranda:
Average total assets	$142,632,330	3,450
Average earning assets	$137,284,000	3,372
Average equity	$15,895,670	3,593
Average total loans	$94,636,670	3,360
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6426%	2,410
Cost of funding earning assets	0.5023%	4,053
Net interest margin	4.1403%	1,449
Noninterest income to average assets	0.5122%	2,481
Noninterest expense to average assets	1.8220%	4,898
Loan and lease loss provision to assets	0.0000%	3,406
Net operating income to assets	2.6812%	125
Return on assets (ROA)	2.6812%	135
Pretax return on assets	2.6812%	187
Return on Equity (ROE)	24.8557%	101
Retained earnings to average equity (ytd only)	15.1262%	272
Net charge-offs to loans	0.0000%	2,740
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	40.4599%	5,201
Assets per employee ($millions)	4.6225%	3,012
Cash dividends to net income (ytd only)*	39.1441%	1,949
Condition Ratios (%)
Loss allowance to loans	1.2775%	2,199
Loan loss allowance to noncurrent loans	113.2004%	3,182
Noncurrent assets plus other real estate owned to assets	0.7523%	1,870
Noncurrent loans to loans	1.1286%	1,479
Net loans and leases to total assets	64.2816%	3,248
Net loans and leases to deposits	72.5362%	3,564
Net loans and leases to core deposits	74.8752%	3,743
Total domestic deposits to total assets	88.6201%	1,028
Equity capital to assets	11.0743%	2,776
Core capital (leverage) ratio	11.0178%	2,559
Tier 1 risk-based capital ratio	15.6157%	2,606
Total risk-based capital ratio	16.7916%	2,550
Memoranda:
Average total assets	$142,920,000	3,490
Average earning assets	$137,768,000	3,398
Average equity	$15,417,000	3,654
Average total loans	$94,742,500	3,394
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4958%	2,471
Cost of funding earning assets	0.4627%	3,595
Net interest margin	4.0332%	1,876
Noninterest income to average assets	0.5494%	2,547
Noninterest expense to average assets	2.4601%	3,729
Loan and lease loss provision to assets	0.3491%	441
Net operating income to assets	1.6074%	854
Return on assets (ROA)	1.5467%	995
Pretax return on assets	1.5467%	1,636
Return on Equity (ROE)	14.8090%	870
Retained earnings to average equity (ytd only)	4.9498%	2,793
Net charge-offs to loans	0.2841%	680
Credit loss provision to net charge-offs	184.0149%	1,540
Earnings coverage of net charge-offs (x)	10.3123%	2,731
Efficiency ratio	55.7011%	4,446
Assets per employee ($millions)	4.5982%	3,021
Cash dividends to net income (ytd only)*	66.5755%	1,221
Condition Ratios (%)
Loss allowance to loans	1.2393%	2,355
Loan loss allowance to noncurrent loans	117.9031%	3,144
Noncurrent assets plus other real estate owned to assets	0.7303%	1,895
Noncurrent loans to loans	1.0512%	1,553
Net loans and leases to total assets	66.6377%	3,047
Net loans and leases to deposits	74.7466%	3,442
Net loans and leases to core deposits	76.9445%	3,648
Total domestic deposits to total assets	89.1514%	800
Equity capital to assets	10.4985%	3,192
Core capital (leverage) ratio	10.8550%	2,673
Tier 1 risk-based capital ratio	15.1112%	2,780
Total risk-based capital ratio	16.2927%	2,741
Memoranda:
Average total assets	$141,783,800	3,478
Average earning assets	$135,948,200	3,411
Average equity	$14,808,600	3,660
Average total loans	$94,686,400	3,394
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4737%	2,385
Cost of funding earning assets	0.4512%	3,516
Net interest margin	4.0225%	1,886
Noninterest income to average assets	0.5273%	2,699
Noninterest expense to average assets	1.9925%	4,756
Loan and lease loss provision to assets	0.4190%	304
Net operating income to assets	1.9690%	413
Return on assets (ROA)	1.9784%	400
Pretax return on assets	1.9784%	658
Return on Equity (ROE)	18.9665%	342
Retained earnings to average equity (ytd only)	10.3905%	796
Net charge-offs to loans	0.2573%	651
Credit loss provision to net charge-offs	244.5055%	1,200
Earnings coverage of net charge-offs (x)	13.9341%	2,317
Efficiency ratio	45.4858%	5,166
Assets per employee ($millions)	4.8180%	2,702
Cash dividends to net income (ytd only)*	45.2168%	1,807
Condition Ratios (%)
Loss allowance to loans	1.2844%	2,170
Loan loss allowance to noncurrent loans	91.7164%	3,604
Noncurrent assets plus other real estate owned to assets	0.9591%	1,522
Noncurrent loans to loans	1.4004%	1,187
Net loans and leases to total assets	67.6047%	3,000
Net loans and leases to deposits	76.1574%	3,404
Net loans and leases to core deposits	78.4594%	3,627
Total domestic deposits to total assets	88.7698%	925
Equity capital to assets	10.7922%	2,849
Core capital (leverage) ratio	11.2387%	2,387
Tier 1 risk-based capital ratio	15.6215%	2,594
Total risk-based capital ratio	16.8472%	2,543
Memoranda:
Average total assets	$141,593,750	3,520
Average earning assets	$135,634,750	3,455
Average equity	$14,769,500	3,691
Average total loans	$94,313,000	3,427
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4007%	2,409
Cost of funding earning assets	0.4424%	3,407
Net interest margin	3.9583%	2,007
Noninterest income to average assets	0.5105%	2,798
Noninterest expense to average assets	1.8366%	5,053
Loan and lease loss provision to assets	0.5836%	178
Net operating income to assets	1.8901%	478
Return on assets (ROA)	1.8957%	470
Pretax return on assets	1.8957%	782
Return on Equity (ROE)	18.3822%	382
Retained earnings to average equity (ytd only)	10.8821%	693
Net charge-offs to loans	0.3537%	447
Credit loss provision to net charge-offs	250.0000%	1,136
Earnings coverage of net charge-offs (x)	10.5964%	2,322
Efficiency ratio	42.6101%	5,324
Assets per employee ($millions)	4.6558%	2,878
Cash dividends to net income (ytd only)*	40.8012%	2,081
Condition Ratios (%)
Loss allowance to loans	1.2809%	2,264
Loan loss allowance to noncurrent loans	149.8150%	2,772
Noncurrent assets plus other real estate owned to assets	0.5806%	2,487
Noncurrent loans to loans	0.8550%	2,012
Net loans and leases to total assets	67.0416%	3,006
Net loans and leases to deposits	75.3246%	3,409
Net loans and leases to core deposits	77.5825%	3,610
Total domestic deposits to total assets	89.0036%	935
Equity capital to assets	10.6298%	2,995
Core capital (leverage) ratio	10.7555%	2,748
Tier 1 risk-based capital ratio	15.4315%	2,671
Total risk-based capital ratio	16.6561%	2,613
Memoranda:
Average total assets	$142,218,000	3,544
Average earning assets	$136,524,330	3,467
Average equity	$14,666,330	3,722
Average total loans	$93,855,000	3,447
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2886%	2,565
Cost of funding earning assets	0.4381%	3,305
Net interest margin	3.8505%	2,223
Noninterest income to average assets	0.4795%	2,940
Noninterest expense to average assets	1.6475%	5,294
Loan and lease loss provision to assets	0.1673%	1,067
Net operating income to assets	2.3639%	183
Return on assets (ROA)	2.3611%	186
Pretax return on assets	2.3611%	283
Return on Equity (ROE)	23.2437%	124
Retained earnings to average equity (ytd only)	16.3831%	227
Net charge-offs to loans	0.3685%	426
Credit loss provision to net charge-offs	69.7674%	1,830
Earnings coverage of net charge-offs (x)	10.5581%	1,894
Efficiency ratio	39.4263%	5,471
Assets per employee ($millions)	4.9759%	2,518
Cash dividends to net income (ytd only)*	29.5159%	2,157
Condition Ratios (%)
Loss allowance to loans	1.0056%	3,919
Loan loss allowance to noncurrent loans	87.6866%	3,690
Noncurrent assets plus other real estate owned to assets	0.7429%	2,093
Noncurrent loans to loans	1.1468%	1,591
Net loans and leases to total assets	64.1275%	3,285
Net loans and leases to deposits	71.6306%	3,651
Net loans and leases to core deposits	74.9692%	3,744
Total domestic deposits to total assets	89.5253%	876
Equity capital to assets	10.1933%	3,402
Core capital (leverage) ratio	10.4345%	3,026
Tier 1 risk-based capital ratio	15.7077%	2,585
Total risk-based capital ratio	16.6849%	2,619
Memoranda:
Average total assets	$143,490,500	3,555
Average earning assets	$137,853,500	3,479
Average equity	$14,576,000	3,761
Average total loans	$93,355,500	3,478
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2505%	2,492
Cost of funding earning assets	0.4677%	2,620
Net interest margin	3.7828%	2,491
Noninterest income to average assets	0.5253%	2,847
Noninterest expense to average assets	2.5623%	3,572
Loan and lease loss provision to assets	0.1576%	1,425
Net operating income to assets	1.3918%	1,040
Return on assets (ROA)	1.3491%	1,138
Pretax return on assets	1.3491%	2,174
Return on Equity (ROE)	13.1987%	907
Retained earnings to average equity (ytd only)	2.8508%	3,606
Net charge-offs to loans	0.3126%	811
Credit loss provision to net charge-offs	78.9474%	2,957
Earnings coverage of net charge-offs (x)	7.7614%	2,998
Efficiency ratio	62.3169%	3,892
Assets per employee ($millions)	4.4588%	3,256
Cash dividends to net income (ytd only)*	78.4008%	896
Condition Ratios (%)
Loss allowance to loans	1.0361%	3,705
Loan loss allowance to noncurrent loans	105.5738%	3,422
Noncurrent assets plus other real estate owned to assets	0.6413%	2,406
Noncurrent loans to loans	0.9814%	1,806
Net loans and leases to total assets	64.6680%	3,274
Net loans and leases to deposits	72.1043%	3,692
Net loans and leases to core deposits	75.4899%	3,777
Total domestic deposits to total assets	89.6868%	691
Equity capital to assets	10.1226%	3,570
Core capital (leverage) ratio	10.0932%	3,332
Tier 1 risk-based capital ratio	14.8270%	2,912
Total risk-based capital ratio	15.8139%	2,981
Memoranda:
Average total assets	$142,763,000	3,571
Average earning assets	$135,350,000	3,517
Average equity	$14,592,400	3,770
Average total loans	$91,174,200	3,503
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2090%	2,579
Cost of funding earning assets	0.4667%	2,550
Net interest margin	3.7423%	2,603
Noninterest income to average assets	0.5248%	2,870
Noninterest expense to average assets	2.1645%	4,604
Loan and lease loss provision to assets	0.1466%	1,434
Net operating income to assets	1.7555%	513
Return on assets (ROA)	1.6995%	593
Pretax return on assets	1.6995%	1,128
Return on Equity (ROE)	16.5868%	474
Retained earnings to average equity (ytd only)	7.3820%	1,505
Net charge-offs to loans	0.2765%	781
Credit loss provision to net charge-offs	83.5106%	2,532
Earnings coverage of net charge-offs (x)	10.8351%	2,552
Efficiency ratio	53.2262%	4,990
Assets per employee ($millions)	4.5036%	3,137
Cash dividends to net income (ytd only)*	55.4943%	1,523
Condition Ratios (%)
Loss allowance to loans	1.0634%	3,712
Loan loss allowance to noncurrent loans	96.2282%	3,594
Noncurrent assets plus other real estate owned to assets	0.7175%	2,357
Noncurrent loans to loans	1.1051%	1,740
Net loans and leases to total assets	64.2355%	3,359
Net loans and leases to deposits	72.1125%	3,758
Net loans and leases to core deposits	75.1355%	3,877
Total domestic deposits to total assets	89.0768%	846
Equity capital to assets	10.5305%	3,343
Core capital (leverage) ratio	10.4021%	3,082
Tier 1 risk-based capital ratio	15.3076%	2,790
Total risk-based capital ratio	16.3293%	2,814
Memoranda:
Average total assets	$142,783,500	3,605
Average earning assets	$135,136,000	3,552
Average equity	$14,629,750	3,799
Average total loans	$90,659,000	3,547
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1666%	2,599
Cost of funding earning assets	0.4712%	2,403
Net interest margin	3.6954%	2,674
Noninterest income to average assets	0.5199%	2,899
Noninterest expense to average assets	1.9657%	5,046
Loan and lease loss provision to assets	0.2080%	864
Net operating income to assets	1.8393%	421
Return on assets (ROA)	1.7479%	516
Pretax return on assets	1.7479%	953
Return on Equity (ROE)	17.2208%	396
Retained earnings to average equity (ytd only)	7.3922%	1,402
Net charge-offs to loans	0.3992%	512
Credit loss provision to net charge-offs	82.6816%	2,228
Earnings coverage of net charge-offs (x)	8.1397%	2,533
Efficiency ratio	48.9846%	5,357
Assets per employee ($millions)	4.6141%	2,921
Cash dividends to net income (ytd only)*	57.0740%	1,602
Condition Ratios (%)
Loss allowance to loans	1.0973%	3,597
Loan loss allowance to noncurrent loans	87.3573%	3,796
Noncurrent assets plus other real estate owned to assets	0.7963%	2,215
Noncurrent loans to loans	1.2561%	1,536
Net loans and leases to total assets	62.6966%	3,550
Net loans and leases to deposits	70.2689%	3,893
Net loans and leases to core deposits	73.0478%	4,017
Total domestic deposits to total assets	89.2238%	844
Equity capital to assets	10.4392%	3,419
Core capital (leverage) ratio	10.2509%	3,201
Tier 1 risk-based capital ratio	15.5709%	2,679
Total risk-based capital ratio	16.6298%	2,700
Memoranda:
Average total assets	$142,339,670	3,627
Average earning assets	$134,544,670	3,580
Average equity	$14,447,670	3,829
Average total loans	$89,689,330	3,582
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1518%	2,466
Cost of funding earning assets	0.4793%	2,251
Net interest margin	3.6725%	2,592
Noninterest income to average assets	0.5127%	2,893
Noninterest expense to average assets	1.8424%	5,316
Loan and lease loss provision to assets	0.0563%	2,679
Net operating income to assets	2.0677%	274
Return on assets (ROA)	2.0677%	284
Pretax return on assets	2.0677%	445
Return on Equity (ROE)	20.6681%	203
Retained earnings to average equity (ytd only)	10.5311%	694
Net charge-offs to loans	0.0942%	1,416
Credit loss provision to net charge-offs	95.2381%	1,648
Earnings coverage of net charge-offs (x)	35.9048%	1,109
Efficiency ratio	46.4489%	5,513
Assets per employee ($millions)	4.6598%	2,909
Cash dividends to net income (ytd only)*	49.0463%	1,712
Condition Ratios (%)
Loss allowance to loans	1.1522%	3,403
Loan loss allowance to noncurrent loans	49.7573%	4,649
Noncurrent assets plus other real estate owned to assets	1.4413%	1,144
Noncurrent loans to loans	2.3156%	704
Net loans and leases to total assets	60.8740%	3,686
Net loans and leases to deposits	67.8349%	4,007
Net loans and leases to core deposits	70.6260%	4,098
Total domestic deposits to total assets	89.7386%	778
Equity capital to assets	9.9997%	3,757
Core capital (leverage) ratio	10.1450%	3,318
Tier 1 risk-based capital ratio	14.8932%	3,016
Total risk-based capital ratio	15.9481%	3,041
Memoranda:
Average total assets	$141,990,500	3,666
Average earning assets	$133,533,500	3,635
Average equity	$14,205,500	3,890
Average total loans	$89,196,500	3,613
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2284%	2,393
Cost of funding earning assets	0.5404%	1,787
Net interest margin	3.6881%	2,751
Noninterest income to average assets	0.5805%	2,758
Noninterest expense to average assets	2.4328%	4,202
Loan and lease loss provision to assets	0.3784%	428
Net operating income to assets	1.2406%	1,376
Return on assets (ROA)	1.2847%	1,322
Pretax return on assets	1.2847%	2,336
Return on Equity (ROE)	12.6650%	1,076
Retained earnings to average equity (ytd only)	4.9510%	2,380
Net charge-offs to loans	0.5507%	434
Credit loss provision to net charge-offs	107.9108%	2,429
Earnings coverage of net charge-offs (x)	4.6166%	3,472
Efficiency ratio	60.0421%	4,579
Assets per employee ($millions)	4.6509%	2,875
Cash dividends to net income (ytd only)*	60.9081%	1,744
Condition Ratios (%)
Loss allowance to loans	1.1472%	3,449
Loan loss allowance to noncurrent loans	52.4272%	4,633
Noncurrent assets plus other real estate owned to assets	1.4191%	1,202
Noncurrent loans to loans	2.1882%	783
Net loans and leases to total assets	63.3619%	3,431
Net loans and leases to deposits	70.5534%	3,851
Net loans and leases to core deposits	72.9425%	4,015
Total domestic deposits to total assets	89.8070%	720
Equity capital to assets	10.0095%	3,717
Core capital (leverage) ratio	10.0437%	3,433
Tier 1 risk-based capital ratio	14.6484%	3,123
Total risk-based capital ratio	15.7145%	3,139
Memoranda:
Average total assets	$140,580,400	3,662
Average earning assets	$132,318,800	3,612
Average equity	$14,259,800	3,912
Average total loans	$89,517,200	3,585
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2280%	2,426
Cost of funding earning assets	0.5482%	1,716
Net interest margin	3.6798%	2,790
Noninterest income to average assets	0.5699%	2,816
Noninterest expense to average assets	2.1584%	4,872
Loan and lease loss provision to assets	0.4800%	267
Net operating income to assets	1.3887%	1,091
Return on assets (ROA)	1.4427%	1,033
Pretax return on assets	1.4427%	1,908
Return on Equity (ROE)	14.1765%	787
Retained earnings to average equity (ytd only)	8.5952%	942
Net charge-offs to loans	0.5986%	346
Credit loss provision to net charge-offs	126.1194%	2,010
Earnings coverage of net charge-offs (x)	4.9104%	3,200
Efficiency ratio	53.5966%	5,267
Assets per employee ($millions)	4.6664%	2,809
Cash dividends to net income (ytd only)*	39.3701%	2,383
Condition Ratios (%)
Loss allowance to loans	1.2040%	3,215
Loan loss allowance to noncurrent loans	40.1618%	4,965
Noncurrent assets plus other real estate owned to assets	2.0308%	767
Noncurrent loans to loans	2.9978%	498
Net loans and leases to total assets	64.0101%	3,401
Net loans and leases to deposits	71.9306%	3,815
Net loans and leases to core deposits	75.1174%	3,907
Total domestic deposits to total assets	88.9887%	913
Equity capital to assets	10.6270%	3,430
Core capital (leverage) ratio	10.1352%	3,397
Tier 1 risk-based capital ratio	14.5594%	3,259
Total risk-based capital ratio	15.6700%	3,256
Memoranda:
Average total assets	$140,843,750	3,678
Average earning assets	$132,321,000	3,630
Average equity	$14,333,250	3,933
Average total loans	$89,538,250	3,604
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1571%	2,652
Cost of funding earning assets	0.5572%	1,643
Net interest margin	3.5998%	3,100
Noninterest income to average assets	0.5527%	2,888
Noninterest expense to average assets	1.9840%	5,301
Loan and lease loss provision to assets	0.5966%	187
Net operating income to assets	1.3321%	1,204
Return on assets (ROA)	1.3831%	1,156
Pretax return on assets	1.3831%	2,087
Return on Equity (ROE)	13.7931%	870
Retained earnings to average equity (ytd only)	8.1402%	1,132
Net charge-offs to loans	0.7695%	263
Credit loss provision to net charge-offs	122.7405%	1,832
Earnings coverage of net charge-offs (x)	3.9679%	3,038
Efficiency ratio	50.7063%	5,523
Assets per employee ($millions)	4.6682%	2,769
Cash dividends to net income (ytd only)*	40.9836%	2,370
Condition Ratios (%)
Loss allowance to loans	1.1959%	3,391
Loan loss allowance to noncurrent loans	39.6648%	5,064
Noncurrent assets plus other real estate owned to assets	2.0058%	820
Noncurrent loans to loans	3.0151%	493
Net loans and leases to total assets	62.8279%	3,525
Net loans and leases to deposits	70.4174%	3,947
Net loans and leases to core deposits	73.5218%	4,027
Total domestic deposits to total assets	89.2221%	799
Equity capital to assets	10.4573%	3,684
Core capital (leverage) ratio	9.8670%	3,724
Tier 1 risk-based capital ratio	14.3701%	3,393
Total risk-based capital ratio	15.4658%	3,410
Memoranda:
Average total assets	$141,127,670	3,694
Average earning assets	$131,728,000	3,664
Average equity	$14,152,000	3,977
Average total loans	$89,150,670	3,630
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2750%	2,221
Cost of funding earning assets	0.5716%	1,532
Net interest margin	3.7034%	2,659
Noninterest income to average assets	0.5449%	2,840
Noninterest expense to average assets	1.8804%	5,549
Loan and lease loss provision to assets	0.6071%	177
Net operating income to assets	1.4965%	859
Return on assets (ROA)	1.5473%	822
Pretax return on assets	1.5473%	1,445
Return on Equity (ROE)	15.7635%	562
Retained earnings to average equity (ytd only)	8.5721%	1,237
Net charge-offs to loans	0.6996%	304
Credit loss provision to net charge-offs	137.8205%	1,324
Earnings coverage of net charge-offs (x)	4.7756%	2,394
Efficiency ratio	47.2006%	5,763
Assets per employee ($millions)	4.8050%	2,579
Cash dividends to net income (ytd only)*	45.6204%	1,899
Condition Ratios (%)
Loss allowance to loans	1.1740%	3,638
Loan loss allowance to noncurrent loans	35.9821%	5,166
Noncurrent assets plus other real estate owned to assets	2.0721%	823
Noncurrent loans to loans	3.2628%	453
Net loans and leases to total assets	61.0822%	3,640
Net loans and leases to deposits	67.9173%	4,068
Net loans and leases to core deposits	70.7980%	4,177
Total domestic deposits to total assets	89.9362%	626
Equity capital to assets	9.8182%	4,317
Core capital (leverage) ratio	9.6760%	3,940
Tier 1 risk-based capital ratio	14.5334%	3,377
Total risk-based capital ratio	15.6438%	3,382
Memoranda:
Average total assets	$141,668,500	3,707
Average earning assets	$131,554,500	3,693
Average equity	$13,905,500	4,017
Average total loans	$89,199,500	3,636
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4336%	1,794
Cost of funding earning assets	0.5977%	1,370
Net interest margin	3.8359%	2,256
Noninterest income to average assets	0.5918%	2,760
Noninterest expense to average assets	2.3925%	4,529
Loan and lease loss provision to assets	0.0544%	3,229
Net operating income to assets	1.7195%	554
Return on assets (ROA)	1.6970%	597
Pretax return on assets	1.6970%	1,000
Return on Equity (ROE)	17.2137%	436
Retained earnings to average equity (ytd only)	5.3701%	2,157
Net charge-offs to loans	0.1353%	2,003
Credit loss provision to net charge-offs	61.4754%	3,247
Earnings coverage of net charge-offs (x)	20.0492%	1,903
Efficiency ratio	57.4238%	5,206
Assets per employee ($millions)	4.6396%	2,829
Cash dividends to net income (ytd only)*	68.8034%	1,312
Condition Ratios (%)
Loss allowance to loans	1.1052%	4,025
Loan loss allowance to noncurrent loans	40.0081%	5,105
Noncurrent assets plus other real estate owned to assets	1.7724%	1,076
Noncurrent loans to loans	2.7625%	628
Net loans and leases to total assets	63.4513%	3,352
Net loans and leases to deposits	70.5045%	3,867
Net loans and leases to core deposits	73.5997%	3,979
Total domestic deposits to total assets	89.9962%	635
Equity capital to assets	9.8127%	4,179
Core capital (leverage) ratio	9.5572%	4,093
Tier 1 risk-based capital ratio	14.2166%	3,600
Total risk-based capital ratio	15.2643%	3,631
Memoranda:
Average total assets	$137,890,600	3,754
Average earning assets	$128,496,200	3,732
Average equity	$13,593,800	4,039
Average total loans	$90,147,600	3,589
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4319%	1,807
Cost of funding earning assets	0.6023%	1,393
Net interest margin	3.8296%	2,271
Noninterest income to average assets	0.6019%	2,729
Noninterest expense to average assets	2.0673%	5,351
Loan and lease loss provision to assets	0.0407%	3,393
Net operating income to assets	2.0557%	332
Return on assets (ROA)	2.0256%	369
Pretax return on assets	2.0256%	572
Return on Equity (ROE)	20.5233%	244
Retained earnings to average equity (ytd only)	10.6053%	535
Net charge-offs to loans	0.0325%	3,273
Credit loss provision to net charge-offs	190.9091%	1,387
Earnings coverage of net charge-offs (x)	98.3270%	636
Efficiency ratio	49.6508%	5,798
Assets per employee ($millions)	4.4364%	3,116
Cash dividends to net income (ytd only)*	48.3252%	1,950
Condition Ratios (%)
Loss allowance to loans	1.1591%	3,879
Loan loss allowance to noncurrent loans	34.5914%	5,332
Noncurrent assets plus other real estate owned to assets	2.2156%	851
Noncurrent loans to loans	3.3509%	484
Net loans and leases to total assets	65.3530%	3,100
Net loans and leases to deposits	73.0822%	3,639
Net loans and leases to core deposits	76.2085%	3,781
Total domestic deposits to total assets	89.4239%	809
Equity capital to assets	10.2053%	3,927
Core capital (leverage) ratio	9.8373%	3,849
Tier 1 risk-based capital ratio	14.4049%	3,625
Total risk-based capital ratio	15.5098%	3,627
Memoranda:
Average total assets	$137,566,500	3,792
Average earning assets	$127,947,250	3,776
Average equity	$13,577,750	4,083
Average total loans	$90,358,750	3,617
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4765%	1,616
Cost of funding earning assets	0.6047%	1,376
Net interest margin	3.8718%	2,071
Noninterest income to average assets	0.6091%	2,683
Noninterest expense to average assets	1.8578%	5,771
Loan and lease loss provision to assets	0.0087%	3,939
Net operating income to assets	2.3259%	216
Return on assets (ROA)	2.2431%	254
Pretax return on assets	2.2431%	388
Return on Equity (ROE)	22.9864%	160
Retained earnings to average equity (ytd only)	13.3032%	281
Net charge-offs to loans	0.0111%	3,521
Credit loss provision to net charge-offs	120.0000%	1,806
Earnings coverage of net charge-offs (x)	321.2000%	214
Efficiency ratio	44.3135%	6,101
Assets per employee ($millions)	4.4571%	3,053
Cash dividends to net income (ytd only)*	42.1257%	2,301
Condition Ratios (%)
Loss allowance to loans	1.1274%	4,191
Loan loss allowance to noncurrent loans	160.4651%	2,673
Noncurrent assets plus other real estate owned to assets	0.4668%	4,065
Noncurrent loans to loans	0.7026%	3,380
Net loans and leases to total assets	65.6944%	3,008
Net loans and leases to deposits	73.2229%	3,590
Net loans and leases to core deposits	76.0110%	3,765
Total domestic deposits to total assets	89.7185%	778
Equity capital to assets	9.9711%	4,073
Core capital (leverage) ratio	9.6337%	4,094
Tier 1 risk-based capital ratio	14.2248%	3,802
Total risk-based capital ratio	15.3111%	3,830
Memoranda:
Average total assets	$137,579,670	3,829
Average earning assets	$127,331,330	3,817
Average equity	$13,425,330	4,134
Average total loans	$90,167,670	3,636
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5166%	1,416
Cost of funding earning assets	0.6101%	1,366
Net interest margin	3.9065%	1,873
Noninterest income to average assets	0.5274%	3,107
Noninterest expense to average assets	1.7948%	5,910
Loan and lease loss provision to assets	0.0000%	3,703
Net operating income to assets	2.2960%	201
Return on assets (ROA)	2.2960%	214
Pretax return on assets	2.2960%	328
Return on Equity (ROE)	23.7896%	131
Retained earnings to average equity (ytd only)	14.7326%	308
Net charge-offs to loans	-0.0179%	4,992
Credit loss provision to net charge-offs	0.0000%	2,491
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	43.8746%	6,183
Assets per employee ($millions)	5.0274%	2,319
Cash dividends to net income (ytd only)*	38.0711%	2,097
Condition Ratios (%)
Loss allowance to loans	1.1623%	4,188
Loan loss allowance to noncurrent loans	157.7508%	2,682
Noncurrent assets plus other real estate owned to assets	0.4674%	4,157
Noncurrent loans to loans	0.7368%	3,421
Net loans and leases to total assets	62.7055%	3,265
Net loans and leases to deposits	69.5840%	3,794
Net loans and leases to core deposits	72.1704%	3,945
Total domestic deposits to total assets	90.1148%	692
Equity capital to assets	9.6501%	4,578
Core capital (leverage) ratio	9.4079%	4,416
Tier 1 risk-based capital ratio	14.0928%	3,945
Total risk-based capital ratio	15.2053%	3,975
Memoranda:
Average total assets	$137,284,500	3,856
Average earning assets	$125,227,000	3,888
Average equity	$13,249,500	4,192
Average total loans	$89,349,000	3,662
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7735%	1,164
Cost of funding earning assets	0.6213%	1,601
Net interest margin	4.1522%	1,423
Noninterest income to average assets	0.6025%	2,843
Noninterest expense to average assets	2.5261%	4,463
Loan and lease loss provision to assets	0.1229%	2,132
Net operating income to assets	1.8320%	448
Return on assets (ROA)	1.8534%	440
Pretax return on assets	1.8534%	708
Return on Equity (ROE)	19.6646%	274
Retained earnings to average equity (ytd only)	6.4981%	1,638
Net charge-offs to loans	0.2141%	1,953
Credit loss provision to net charge-offs	84.2932%	2,778
Earnings coverage of net charge-offs (x)	13.4031%	2,268
Efficiency ratio	56.3736%	5,633
Assets per employee ($millions)	4.4601%	3,095
Cash dividends to net income (ytd only)*	66.9551%	1,417
Condition Ratios (%)
Loss allowance to loans	1.1567%	4,242
Loan loss allowance to noncurrent loans	141.8381%	2,929
Noncurrent assets plus other real estate owned to assets	0.5448%	3,989
Noncurrent loans to loans	0.8155%	3,279
Net loans and leases to total assets	66.0359%	2,875
Net loans and leases to deposits	73.2380%	3,522
Net loans and leases to core deposits	75.9690%	3,713
Total domestic deposits to total assets	90.1661%	664
Equity capital to assets	9.6522%	4,530
Core capital (leverage) ratio	9.4875%	4,259
Tier 1 risk-based capital ratio	13.3679%	4,486
Total risk-based capital ratio	14.4596%	4,504
Memoranda:
Average total assets	$130,952,000	3,956
Average earning assets	$122,320,400	3,912
Average equity	$12,342,000	4,293
Average total loans	$89,197,000	3,649
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7326%	1,228
Cost of funding earning assets	0.6187%	1,687
Net interest margin	4.1139%	1,533
Noninterest income to average assets	0.5805%	2,985
Noninterest expense to average assets	2.3116%	5,078
Loan and lease loss provision to assets	0.1577%	1,581
Net operating income to assets	1.9707%	358
Return on assets (ROA)	1.9993%	358
Pretax return on assets	1.9993%	570
Return on Equity (ROE)	21.3459%	216
Retained earnings to average equity (ytd only)	9.0499%	985
Net charge-offs to loans	0.2916%	1,347
Credit loss provision to net charge-offs	78.9744%	2,615
Earnings coverage of net charge-offs (x)	10.6617%	2,517
Efficiency ratio	52.0636%	5,987
Assets per employee ($millions)	4.3538%	3,201
Cash dividends to net income (ytd only)*	57.6037%	1,491
Condition Ratios (%)
Loss allowance to loans	1.1403%	4,558
Loan loss allowance to noncurrent loans	179.1594%	2,352
Noncurrent assets plus other real estate owned to assets	0.4372%	4,605
Noncurrent loans to loans	0.6365%	4,024
Net loans and leases to total assets	67.9031%	2,551
Net loans and leases to deposits	75.5499%	3,235
Net loans and leases to core deposits	77.9352%	3,543
Total domestic deposits to total assets	89.8786%	794
Equity capital to assets	9.7463%	4,486
Core capital (leverage) ratio	9.6989%	4,078
Tier 1 risk-based capital ratio	13.7498%	4,387
Total risk-based capital ratio	14.8584%	4,417
Memoranda:
Average total assets	$130,239,250	4,000
Average earning assets	$122,185,250	3,944
Average equity	$12,198,750	4,343
Average total loans	$89,148,250	3,680
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7391%	1,200
Cost of funding earning assets	0.6230%	1,706
Net interest margin	4.1160%	1,459
Noninterest income to average assets	0.5549%	3,081
Noninterest expense to average assets	2.1274%	5,566
Loan and lease loss provision to assets	0.1568%	1,579
Net operating income to assets	2.1397%	257
Return on assets (ROA)	2.1658%	256
Pretax return on assets	2.1658%	393
Return on Equity (ROE)	23.4410%	154
Retained earnings to average equity (ytd only)	11.7954%	447
Net charge-offs to loans	0.3799%	1,067
Credit loss provision to net charge-offs	60.3550%	2,631
Earnings coverage of net charge-offs (x)	8.8402%	2,436
Efficiency ratio	48.0890%	6,286
Assets per employee ($millions)	4.3866%	3,108
Cash dividends to net income (ytd only)*	49.6806%	1,949
Condition Ratios (%)
Loss allowance to loans	1.0964%	4,925
Loan loss allowance to noncurrent loans	83.5708%	4,070
Noncurrent assets plus other real estate owned to assets	0.9065%	3,278
Noncurrent loans to loans	1.3120%	2,617
Net loans and leases to total assets	68.3399%	2,364
Net loans and leases to deposits	75.9520%	3,066
Net loans and leases to core deposits	79.3489%	3,279
Total domestic deposits to total assets	89.9778%	822
Equity capital to assets	9.5685%	4,669
Core capital (leverage) ratio	9.6345%	4,131
Tier 1 risk-based capital ratio	13.4756%	4,599
Total risk-based capital ratio	14.5446%	4,665
Memoranda:
Average total assets	$130,114,330	4,028
Average earning assets	$122,302,670	3,964
Average equity	$12,021,670	4,394
Average total loans	$88,959,670	3,693
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8017%	1,040
Cost of funding earning assets	0.6336%	1,703
Net interest margin	4.1681%	1,302
Noninterest income to average assets	0.5844%	2,834
Noninterest expense to average assets	2.0623%	5,757
Loan and lease loss provision to assets	0.0124%	3,668
Net operating income to assets	2.4147%	168
Return on assets (ROA)	2.4920%	153
Pretax return on assets	2.4920%	224
Return on Equity (ROE)	27.4699%	87
Retained earnings to average equity (ytd only)	16.3933%	251
Net charge-offs to loans	0.0182%	3,222
Credit loss provision to net charge-offs	100.0000%	1,649
Earnings coverage of net charge-offs (x)	196.2500%	245
Efficiency ratio	45.9366%	6,430
Assets per employee ($millions)	4.4086%	3,137
Cash dividends to net income (ytd only)*	40.3226%	1,977
Condition Ratios (%)
Loss allowance to loans	1.2011%	4,631
Loan loss allowance to noncurrent loans	148.1894%	2,671
Noncurrent assets plus other real estate owned to assets	0.5693%	4,439
Noncurrent loans to loans	0.8105%	3,852
Net loans and leases to total assets	66.1729%	2,539
Net loans and leases to deposits	73.1721%	3,171
Net loans and leases to core deposits	76.4425%	3,364
Total domestic deposits to total assets	90.4346%	838
Equity capital to assets	9.1805%	4,890
Core capital (leverage) ratio	9.3923%	4,431
Tier 1 risk-based capital ratio	13.4934%	4,682
Total risk-based capital ratio	14.6569%	4,693
Memoranda:
Average total assets	$129,372,500	4,083
Average earning assets	$121,206,000	4,020
Average equity	$11,736,500	4,466
Average total loans	$87,974,000	3,750
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9083%	1,082
Cost of funding earning assets	0.7012%	1,805
Net interest margin	4.2071%	1,331
Noninterest income to average assets	0.5767%	3,233
Noninterest expense to average assets	2.6722%	4,205
Loan and lease loss provision to assets	0.2193%	1,664
Net operating income to assets	1.6047%	686
Return on assets (ROA)	1.6158%	684
Pretax return on assets	1.6158%	1,129
Return on Equity (ROE)	17.5984%	444
Retained earnings to average equity (ytd only)	7.2869%	1,322
Net charge-offs to loans	0.2320%	2,599
Credit loss provision to net charge-offs	136.9458%	1,710
Earnings coverage of net charge-offs (x)	11.3892%	2,247
Efficiency ratio	59.4315%	5,551
Assets per employee ($millions)	4.3616%	3,155
Cash dividends to net income (ytd only)*	58.5938%	1,836
Condition Ratios (%)
Loss allowance to loans	1.2179%	4,550
Loan loss allowance to noncurrent loans	130.2326%	2,984
Noncurrent assets plus other real estate owned to assets	0.6973%	4,161
Noncurrent loans to loans	0.9352%	3,650
Net loans and leases to total assets	68.2291%	2,314
Net loans and leases to deposits	75.1044%	3,081
Net loans and leases to core deposits	78.6707%	3,281
Total domestic deposits to total assets	90.8457%	641
Equity capital to assets	8.9582%	5,089
Core capital (leverage) ratio	9.2508%	4,632
Tier 1 risk-based capital ratio	13.2474%	4,825
Total risk-based capital ratio	14.4361%	4,796
Memoranda:
Average total assets	$126,751,600	4,132
Average earning assets	$118,086,600	4,084
Average equity	$11,637,400	4,522
Average total loans	$87,516,800	3,749
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8561%	1,224
Cost of funding earning assets	0.7021%	1,931
Net interest margin	4.1540%	1,470
Noninterest income to average assets	0.5825%	3,261
Noninterest expense to average assets	2.3718%	5,112
Loan and lease loss provision to assets	0.1262%	2,720
Net operating income to assets	1.9534%	399
Return on assets (ROA)	1.9681%	394
Pretax return on assets	1.9681%	617
Return on Equity (ROE)	21.3073%	233
Retained earnings to average equity (ytd only)	12.7707%	356
Net charge-offs to loans	0.0183%	4,764
Credit loss provision to net charge-offs	1,000.0000%	305
Earnings coverage of net charge-offs (x)	164.8294%	336
Efficiency ratio	53.2829%	6,163
Assets per employee ($millions)	4.4086%	3,037
Cash dividends to net income (ytd only)*	40.0643%	2,278
Condition Ratios (%)
Loss allowance to loans	1.2337%	4,720
Loan loss allowance to noncurrent loans	111.9388%	3,192
Noncurrent assets plus other real estate owned to assets	0.8182%	4,062
Noncurrent loans to loans	1.1021%	3,589
Net loans and leases to total assets	68.6943%	2,202
Net loans and leases to deposits	77.2360%	2,786
Net loans and leases to core deposits	80.6333%	3,055
Total domestic deposits to total assets	88.9409%	1,588
Equity capital to assets	8.9934%	5,200
Core capital (leverage) ratio	9.6049%	4,237
Tier 1 risk-based capital ratio	13.2866%	4,913
Total risk-based capital ratio	14.4495%	4,927
Memoranda:
Average total assets	$126,817,750	4,183
Average earning assets	$118,116,000	4,125
Average equity	$11,714,000	4,554
Average total loans	$87,554,750	3,772
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8350%	1,255
Cost of funding earning assets	0.7138%	1,971
Net interest margin	4.1212%	1,487
Noninterest income to average assets	0.5756%	3,348
Noninterest expense to average assets	2.2582%	5,480
Loan and lease loss provision to assets	0.1471%	2,492
Net operating income to assets	2.0052%	355
Return on assets (ROA)	2.0257%	364
Pretax return on assets	2.0257%	576
Return on Equity (ROE)	21.7377%	216
Retained earnings to average equity (ytd only)	14.5257%	270
Net charge-offs to loans	-0.0138%	5,847
Credit loss provision to net charge-offs	-1,550.0000%	6,100
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	51.2011%	6,337
Assets per employee ($millions)	4.4959%	2,821
Cash dividends to net income (ytd only)*	33.1772%	2,539
Condition Ratios (%)
Loss allowance to loans	1.2416%	4,777
Loan loss allowance to noncurrent loans	87.8837%	3,780
Noncurrent assets plus other real estate owned to assets	1.2003%	3,342
Noncurrent loans to loans	1.4128%	3,177
Net loans and leases to total assets	68.7447%	2,102
Net loans and leases to deposits	76.7661%	2,760
Net loans and leases to core deposits	80.1957%	3,003
Total domestic deposits to total assets	89.5509%	1,293
Equity capital to assets	9.3187%	4,834
Core capital (leverage) ratio	9.2876%	4,562
Tier 1 risk-based capital ratio	13.2550%	4,955
Total risk-based capital ratio	14.4702%	4,918
Memoranda:
Average total assets	$126,474,000	4,215
Average earning assets	$117,683,670	4,165
Average equity	$11,786,000	4,572
Average total loans	$87,099,000	3,789
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8621%	1,176
Cost of funding earning assets	0.7343%	1,966
Net interest margin	4.1278%	1,383
Noninterest income to average assets	0.5333%	3,547
Noninterest expense to average assets	2.4044%	5,107
Loan and lease loss provision to assets	0.1830%	2,016
Net operating income to assets	1.7418%	530
Return on assets (ROA)	1.7418%	587
Pretax return on assets	1.7418%	990
Return on Equity (ROE)	18.6905%	385
Retained earnings to average equity (ytd only)	12.7651%	586
Net charge-offs to loans	0.0000%	4,145
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	55.5394%	6,106
Assets per employee ($millions)	4.6226%	2,769
Cash dividends to net income (ytd only)*	31.7029%	2,053
Condition Ratios (%)
Loss allowance to loans	1.2060%	5,156
Loan loss allowance to noncurrent loans	61.1565%	4,674
Noncurrent assets plus other real estate owned to assets	1.6534%	2,793
Noncurrent loans to loans	1.9721%	2,647
Net loans and leases to total assets	66.2629%	2,322
Net loans and leases to deposits	73.2542%	3,012
Net loans and leases to core deposits	76.3804%	3,264
Total domestic deposits to total assets	90.4561%	791
Equity capital to assets	9.2836%	5,153
Core capital (leverage) ratio	8.9233%	5,021
Tier 1 risk-based capital ratio	12.7561%	5,397
Total risk-based capital ratio	13.9287%	5,396
Memoranda:
Average total assets	$126,768,000	4,249
Average earning assets	$116,575,000	4,228
Average equity	$11,813,500	4,612
Average total loans	$86,834,500	3,817
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2795%	968
Cost of funding earning assets	0.8734%	2,105
Net interest margin	4.4061%	1,150
Noninterest income to average assets	0.5962%	3,300
Noninterest expense to average assets	2.4793%	5,164
Loan and lease loss provision to assets	0.4531%	1,388
Net operating income to assets	1.7540%	553
Return on assets (ROA)	1.8033%	569
Pretax return on assets	1.8033%	914
Return on Equity (ROE)	19.4847%	324
Retained earnings to average equity (ytd only)	9.9334%	607
Net charge-offs to loans	0.7174%	1,644
Credit loss provision to net charge-offs	89.4481%	3,502
Earnings coverage of net charge-offs (x)	4.3571%	3,398
Efficiency ratio	52.9040%	6,382
Assets per employee ($millions)	4.4323%	3,084
Cash dividends to net income (ytd only)*	49.0196%	2,360
Condition Ratios (%)
Loss allowance to loans	1.1387%	5,389
Loan loss allowance to noncurrent loans	69.3548%	4,283
Noncurrent assets plus other real estate owned to assets	1.5181%	3,100
Noncurrent loans to loans	1.6418%	3,161
Net loans and leases to total assets	69.1901%	1,997
Net loans and leases to deposits	76.6006%	2,702
Net loans and leases to core deposits	79.6776%	3,052
Total domestic deposits to total assets	90.3258%	785
Equity capital to assets	9.3559%	5,064
Core capital (leverage) ratio	8.9464%	4,975
Tier 1 risk-based capital ratio	12.5206%	5,459
Total risk-based capital ratio	13.6451%	5,497
Memoranda:
Average total assets	$121,607,200	4,323
Average earning assets	$112,889,000	4,276
Average equity	$11,255,000	4,712
Average total loans	$85,867,000	3,851
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3489%	925
Cost of funding earning assets	0.9137%	2,082
Net interest margin	4.4352%	1,125
Noninterest income to average assets	0.5929%	3,328
Noninterest expense to average assets	2.4003%	5,399
Loan and lease loss provision to assets	0.3560%	1,832
Net operating income to assets	1.9506%	410
Return on assets (ROA)	2.0168%	422
Pretax return on assets	2.0168%	682
Return on Equity (ROE)	21.8515%	245
Retained earnings to average equity (ytd only)	14.0900%	293
Net charge-offs to loans	-0.0202%	6,500
Credit loss provision to net charge-offs	-2,484.6154%	6,622
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	50.9951%	6,519
Assets per employee ($millions)	4.1772%	3,521
Cash dividends to net income (ytd only)*	35.5193%	2,384
Condition Ratios (%)
Loss allowance to loans	1.6161%	3,458
Loan loss allowance to noncurrent loans	52.1380%	5,020
Noncurrent assets plus other real estate owned to assets	2.7662%	1,902
Noncurrent loans to loans	3.0997%	1,795
Net loans and leases to total assets	69.8520%	1,935
Net loans and leases to deposits	77.7489%	2,696
Net loans and leases to core deposits	80.7054%	3,120
Total domestic deposits to total assets	89.8431%	933
Equity capital to assets	9.7491%	4,855
Core capital (leverage) ratio	9.1093%	4,902
Tier 1 risk-based capital ratio	12.5924%	5,572
Total risk-based capital ratio	13.8465%	5,528
Memoranda:
Average total assets	$120,983,250	4,376
Average earning assets	$112,219,750	4,338
Average equity	$11,166,000	4,773
Average total loans	$85,619,750	3,898
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3833%	901
Cost of funding earning assets	0.9085%	2,329
Net interest margin	4.4748%	1,038
Noninterest income to average assets	0.5623%	3,509
Noninterest expense to average assets	2.3021%	5,729
Loan and lease loss provision to assets	0.5342%	1,163
Net operating income to assets	1.8721%	491
Return on assets (ROA)	1.9714%	475
Pretax return on assets	1.9714%	727
Return on Equity (ROE)	21.7690%	258
Retained earnings to average equity (ytd only)	15.3771%	259
Net charge-offs to loans	0.6644%	1,656
Credit loss provision to net charge-offs	113.7324%	2,400
Earnings coverage of net charge-offs (x)	5.1232%	2,901
Efficiency ratio	48.8936%	6,719
Assets per employee ($millions)	4.1583%	3,550
Cash dividends to net income (ytd only)*	29.3624%	2,650
Condition Ratios (%)
Loss allowance to loans	1.2698%	5,039
Loan loss allowance to noncurrent loans	42.6953%	5,518
Noncurrent assets plus other real estate owned to assets	2.7258%	2,022
Noncurrent loans to loans	2.9741%	1,998
Net loans and leases to total assets	70.4727%	1,828
Net loans and leases to deposits	79.5818%	2,440
Net loans and leases to core deposits	83.1732%	2,805
Total domestic deposits to total assets	88.5538%	1,785
Equity capital to assets	9.4328%	5,153
Core capital (leverage) ratio	8.8307%	5,166
Tier 1 risk-based capital ratio	12.4281%	5,627
Total risk-based capital ratio	13.6783%	5,598
Memoranda:
Average total assets	$120,931,330	4,399
Average earning assets	$112,050,330	4,364
Average equity	$10,951,330	4,820
Average total loans	$85,490,330	3,926
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4445%	842
Cost of funding earning assets	0.9205%	2,514
Net interest margin	4.5240%	967
Noninterest income to average assets	0.6044%	3,205
Noninterest expense to average assets	1.9917%	6,477
Loan and lease loss provision to assets	0.4393%	1,425
Net operating income to assets	2.3616%	220
Return on assets (ROA)	2.3914%	256
Pretax return on assets	2.3914%	397
Return on Equity (ROE)	26.9659%	140
Retained earnings to average equity (ytd only)	21.3790%	149
Net charge-offs to loans	0.2488%	2,681
Credit loss provision to net charge-offs	250.9434%	1,137
Earnings coverage of net charge-offs (x)	16.0000%	1,391
Efficiency ratio	41.5575%	7,067
Assets per employee ($millions)	4.2809%	3,434
Cash dividends to net income (ytd only)*	20.7182%	2,319
Condition Ratios (%)
Loss allowance to loans	1.3304%	4,885
Loan loss allowance to noncurrent loans	29.8893%	6,184
Noncurrent assets plus other real estate owned to assets	3.5185%	1,629
Noncurrent loans to loans	4.4511%	1,322
Net loans and leases to total assets	67.7458%	2,157
Net loans and leases to deposits	75.9704%	2,798
Net loans and leases to core deposits	80.0562%	3,063
Total domestic deposits to total assets	89.1739%	1,585
Equity capital to assets	8.9468%	5,574
Core capital (leverage) ratio	8.6737%	5,344
Tier 1 risk-based capital ratio	12.1346%	5,877
Total risk-based capital ratio	13.3853%	5,854
Memoranda:
Average total assets	$121,102,000	4,430
Average earning assets	$112,113,000	4,381
Average equity	$10,739,500	4,875
Average total loans	$85,197,500	3,969
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3758%	1,479
Cost of funding earning assets	1.0991%	2,681
Net interest margin	4.2767%	1,779
Noninterest income to average assets	0.6184%	3,070
Noninterest expense to average assets	2.6171%	5,027
Loan and lease loss provision to assets	0.6566%	1,548
Net operating income to assets	1.4168%	991
Return on assets (ROA)	1.4168%	1,069
Pretax return on assets	1.4168%	1,728
Return on Equity (ROE)	16.5871%	523
Retained earnings to average equity (ytd only)	7.9853%	1,084
Net charge-offs to loans	1.3055%	1,263
Credit loss provision to net charge-offs	68.5284%	4,906
Earnings coverage of net charge-offs (x)	2.1640%	4,162
Efficiency ratio	55.7950%	6,336
Assets per employee ($millions)	4.0710%	3,707
Cash dividends to net income (ytd only)*	51.8585%	1,958
Condition Ratios (%)
Loss allowance to loans	1.2377%	5,235
Loan loss allowance to noncurrent loans	38.3691%	5,707
Noncurrent assets plus other real estate owned to assets	2.7961%	2,165
Noncurrent loans to loans	3.2258%	2,004
Net loans and leases to total assets	71.2390%	1,781
Net loans and leases to deposits	79.7913%	2,559
Net loans and leases to core deposits	84.4367%	2,829
Total domestic deposits to total assets	89.2816%	1,378
Equity capital to assets	8.7854%	5,811
Core capital (leverage) ratio	8.2582%	5,915
Tier 1 risk-based capital ratio	11.7039%	6,023
Total risk-based capital ratio	12.9507%	6,010
Memoranda:
Average total assets	$117,727,600	4,465
Average earning assets	$112,095,400	4,333
Average equity	$10,056,000	4,997
Average total loans	$86,405,200	3,952
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4162%	1,466
Cost of funding earning assets	1.1358%	2,731
Net interest margin	4.2804%	1,789
Noninterest income to average assets	0.6188%	3,059
Noninterest expense to average assets	2.4661%	5,570
Loan and lease loss provision to assets	0.2391%	3,617
Net operating income to assets	1.9924%	346
Return on assets (ROA)	1.9924%	380
Pretax return on assets	1.9924%	636
Return on Equity (ROE)	23.4934%	176
Retained earnings to average equity (ytd only)	16.7447%	156
Net charge-offs to loans	0.2583%	3,816
Credit loss provision to net charge-offs	125.5952%	2,554
Earnings coverage of net charge-offs (x)	11.7205%	1,785
Efficiency ratio	52.4970%	6,636
Assets per employee ($millions)	4.1156%	3,608
Cash dividends to net income (ytd only)*	28.7260%	2,531
Condition Ratios (%)
Loss allowance to loans	1.7016%	3,263
Loan loss allowance to noncurrent loans	39.0743%	5,678
Noncurrent assets plus other real estate owned to assets	3.8014%	1,631
Noncurrent loans to loans	4.3547%	1,496
Net loans and leases to total assets	70.2803%	2,029
Net loans and leases to deposits	79.1129%	2,795
Net loans and leases to core deposits	84.5174%	2,981
Total domestic deposits to total assets	88.8355%	1,526
Equity capital to assets	9.0933%	5,646
Core capital (leverage) ratio	8.7002%	5,410
Tier 1 risk-based capital ratio	12.1519%	5,778
Total risk-based capital ratio	13.4076%	5,767
Memoranda:
Average total assets	$117,644,750	4,487
Average earning assets	$112,105,750	4,357
Average equity	$9,977,000	5,037
Average total loans	$86,717,000	3,981
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4072%	1,542
Cost of funding earning assets	1.1755%	2,738
Net interest margin	4.2316%	1,911
Noninterest income to average assets	0.6150%	3,038
Noninterest expense to average assets	2.4207%	5,780
Loan and lease loss provision to assets	0.1947%	3,985
Net operating income to assets	2.0397%	326
Return on assets (ROA)	2.0397%	339
Pretax return on assets	2.0397%	549
Return on Equity (ROE)	24.6567%	149
Retained earnings to average equity (ytd only)	19.4941%	104
Net charge-offs to loans	0.1766%	4,107
Credit loss provision to net charge-offs	148.0519%	2,063
Earnings coverage of net charge-offs (x)	16.9870%	1,314
Efficiency ratio	52.0000%	6,785
Assets per employee ($millions)	4.2433%	3,270
Cash dividends to net income (ytd only)*	20.9380%	2,824
Condition Ratios (%)
Loss allowance to loans	1.6740%	3,405
Loan loss allowance to noncurrent loans	66.0274%	4,137
Noncurrent assets plus other real estate owned to assets	2.3457%	2,808
Noncurrent loans to loans	2.5353%	2,853
Net loans and leases to total assets	71.4875%	1,886
Net loans and leases to deposits	80.0677%	2,782
Net loans and leases to core deposits	85.1009%	3,057
Total domestic deposits to total assets	89.2838%	1,370
Equity capital to assets	8.6692%	5,977
Core capital (leverage) ratio	8.4369%	5,649
Tier 1 risk-based capital ratio	11.7518%	5,973
Total risk-based capital ratio	13.0070%	5,965
Memoranda:
Average total assets	$117,075,670	4,536
Average earning assets	$111,777,670	4,392
Average equity	$9,685,000	5,129
Average total loans	$87,178,330	4,010
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3979%	1,561
Cost of funding earning assets	1.2235%	2,663
Net interest margin	4.1744%	1,984
Noninterest income to average assets	0.5886%	3,248
Noninterest expense to average assets	2.1685%	6,490
Loan and lease loss provision to assets	0.1101%	4,638
Net operating income to assets	2.3028%	229
Return on assets (ROA)	2.3028%	241
Pretax return on assets	2.3028%	344
Return on Equity (ROE)	28.5364%	101
Retained earnings to average equity (ytd only)	24.2709%	111
Net charge-offs to loans	0.0822%	4,126
Credit loss provision to net charge-offs	177.7778%	1,647
Earnings coverage of net charge-offs (x)	38.9444%	698
Efficiency ratio	47.3328%	7,140
Assets per employee ($millions)	4.2699%	3,298
Cash dividends to net income (ytd only)*	14.9477%	2,303
Condition Ratios (%)
Loss allowance to loans	1.6490%	3,532
Loan loss allowance to noncurrent loans	57.5182%	4,559
Noncurrent assets plus other real estate owned to assets	2.3495%	2,897
Noncurrent loans to loans	2.8668%	2,628
Net loans and leases to total assets	70.9904%	1,928
Net loans and leases to deposits	78.9636%	2,900
Net loans and leases to core deposits	83.6725%	3,211
Total domestic deposits to total assets	89.9027%	1,206
Equity capital to assets	8.1066%	6,384
Core capital (leverage) ratio	8.3084%	5,791
Tier 1 risk-based capital ratio	11.1047%	6,432
Total risk-based capital ratio	12.3600%	6,401
Memoranda:
Average total assets	$116,208,000	4,583
Average earning assets	$111,155,000	4,432
Average equity	$9,377,500	5,211
Average total loans	$87,577,000	4,030
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9648%	916
Cost of funding earning assets	1.5613%	2,295
Net interest margin	4.4035%	1,458
Noninterest income to average assets	0.6427%	3,193
Noninterest expense to average assets	2.7528%	4,774
Loan and lease loss provision to assets	0.7037%	2,329
Net operating income to assets	1.3769%	993
Return on assets (ROA)	1.3769%	1,062
Pretax return on assets	1.3769%	1,719
Return on Equity (ROE)	16.0454%	579
Retained earnings to average equity (ytd only)	4.7458%	2,581
Net charge-offs to loans	0.3032%	4,499
Credit loss provision to net charge-offs	293.0769%	918
Earnings coverage of net charge-offs (x)	8.6654%	1,941
Efficiency ratio	56.9545%	6,466
Assets per employee ($millions)	4.0307%	3,719
Cash dividends to net income (ytd only)*	70.4225%	1,192
Condition Ratios (%)
Loss allowance to loans	1.5857%	3,636
Loan loss allowance to noncurrent loans	68.8998%	3,963
Noncurrent assets plus other real estate owned to assets	1.8350%	3,582
Noncurrent loans to loans	2.3015%	3,220
Net loans and leases to total assets	77.4843%	1,019
Net loans and leases to deposits	86.2262%	2,053
Net loans and leases to core deposits	91.9267%	2,509
Total domestic deposits to total assets	89.8617%	1,181
Equity capital to assets	8.0304%	6,467
Core capital (leverage) ratio	7.9513%	6,267
Tier 1 risk-based capital ratio	10.3954%	6,763
Total risk-based capital ratio	11.6475%	6,749
Memoranda:
Average total assets	$108,288,600	4,762
Average earning assets	$103,055,000	4,638
Average equity	$9,292,400	5,329
Average total loans	$85,761,200	4,158
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.0229%	891
Cost of funding earning assets	1.6076%	2,346
Net interest margin	4.4153%	1,482
Noninterest income to average assets	0.6334%	3,232
Noninterest expense to average assets	2.5348%	5,584
Loan and lease loss provision to assets	0.1991%	5,060
Net operating income to assets	2.0930%	290
Return on assets (ROA)	2.0930%	312
Pretax return on assets	2.0930%	513
Return on Equity (ROE)	23.9858%	139
Retained earnings to average equity (ytd only)	13.2906%	320
Net charge-offs to loans	0.1271%	5,284
Credit loss provision to net charge-offs	197.5309%	1,810
Earnings coverage of net charge-offs (x)	22.7402%	1,082
Efficiency ratio	52.5135%	6,932
Assets per employee ($millions)	4.0954%	3,644
Cash dividends to net income (ytd only)*	44.5900%	1,875
Condition Ratios (%)
Loss allowance to loans	1.1108%	5,896
Loan loss allowance to noncurrent loans	88.6691%	3,089
Noncurrent assets plus other real estate owned to assets	1.0057%	5,076
Noncurrent loans to loans	1.2527%	4,761
Net loans and leases to total assets	79.3850%	841
Net loans and leases to deposits	90.2808%	1,689
Net loans and leases to core deposits	96.6644%	2,186
Total domestic deposits to total assets	87.9313%	2,002
Equity capital to assets	8.8935%	5,709
Core capital (leverage) ratio	8.5260%	5,461
Tier 1 risk-based capital ratio	11.0196%	6,364
Total risk-based capital ratio	12.1536%	6,442
Memoranda:
Average total assets	$107,146,000	4,860
Average earning assets	$101,764,250	4,733
Average equity	$9,349,750	5,393
Average total loans	$84,987,250	4,255
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9912%	968
Cost of funding earning assets	1.6303%	2,481
Net interest margin	4.3609%	1,561
Noninterest income to average assets	0.6660%	2,922
Noninterest expense to average assets	2.4414%	5,938
Loan and lease loss provision to assets	0.1585%	5,304
Net operating income to assets	2.1943%	234
Return on assets (ROA)	2.1943%	256
Pretax return on assets	2.1943%	409
Return on Equity (ROE)	25.3147%	118
Retained earnings to average equity (ytd only)	14.9755%	246
Net charge-offs to loans	0.0382%	5,828
Credit loss provision to net charge-offs	525.0000%	706
Earnings coverage of net charge-offs (x)	77.9375%	405
Efficiency ratio	50.9248%	7,156
Assets per employee ($millions)	3.9704%	3,823
Cash dividends to net income (ytd only)*	40.8426%	2,044
Condition Ratios (%)
Loss allowance to loans	1.1332%	5,779
Loan loss allowance to noncurrent loans	190.0585%	1,475
Noncurrent assets plus other real estate owned to assets	0.7985%	5,515
Noncurrent loans to loans	0.5963%	6,051
Net loans and leases to total assets	79.3474%	896
Net loans and leases to deposits	91.2457%	1,657
Net loans and leases to core deposits	96.8022%	2,350
Total domestic deposits to total assets	86.9601%	2,548
Equity capital to assets	8.8515%	5,666
Core capital (leverage) ratio	8.6033%	5,231
Tier 1 risk-based capital ratio	11.1610%	6,083
Total risk-based capital ratio	12.3260%	6,148
Memoranda:
Average total assets	$106,003,000	4,912
Average earning assets	$100,347,330	4,796
Average equity	$9,188,330	5,448
Average total loans	$83,727,670	4,329
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.8531%	1,316
Cost of funding earning assets	1.6310%	2,773
Net interest margin	4.2221%	1,957
Noninterest income to average assets	0.6641%	2,858
Noninterest expense to average assets	2.2770%	6,455
Loan and lease loss provision to assets	0.1442%	5,112
Net operating income to assets	2.2314%	241
Return on assets (ROA)	2.2314%	267
Pretax return on assets	2.2314%	401
Return on Equity (ROE)	26.0235%	134
Retained earnings to average equity (ytd only)	26.0235%	92
Net charge-offs to loans	0.0339%	5,102
Credit loss provision to net charge-offs	542.8571%	784
Earnings coverage of net charge-offs (x)	89.4286%	362
Efficiency ratio	48.9396%	7,377
Assets per employee ($millions)	3.9967%	3,880
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	1.1295%	5,868
Loan loss allowance to noncurrent loans	84.5807%	3,236
Noncurrent assets plus other real estate owned to assets	1.4725%	4,298
Noncurrent loans to loans	1.3354%	4,748
Net loans and leases to total assets	76.0893%	1,529
Net loans and leases to deposits	87.1700%	2,381
Net loans and leases to core deposits	92.5129%	3,045
Total domestic deposits to total assets	87.2885%	2,472
Equity capital to assets	8.6359%	5,824
Core capital (leverage) ratio	8.6462%	5,124
Tier 1 risk-based capital ratio	11.3469%	5,814
Total risk-based capital ratio	12.4991%	5,862
Memoranda:
Average total assets	$105,403,500	4,994
Average earning assets	$99,570,500	4,888
Average equity	$9,038,000	5,535
Average total loans	$82,573,000	4,424
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.2350%	1,152
Cost of funding earning assets	2.1010%	2,456
Net interest margin	4.1340%	2,303
Noninterest income to average assets	0.7482%	2,688
Noninterest expense to average assets	2.6839%	5,464
Loan and lease loss provision to assets	0.3883%	4,461
Net operating income to assets	1.6101%	539
Return on assets (ROA)	1.6101%	570
Pretax return on assets	1.6101%	943
Return on Equity (ROE)	19.1657%	294
Retained earnings to average equity (ytd only)	9.2443%	458
Net charge-offs to loans	0.3924%	4,254
Credit loss provision to net charge-offs	123.3645%	4,276
Earnings coverage of net charge-offs (x)	6.3489%	2,384
Efficiency ratio	57.3194%	6,861
Assets per employee ($millions)	3.8110%	4,265
Cash dividends to net income (ytd only)*	51.7661%	2,388
Condition Ratios (%)
Loss allowance to loans	1.1048%	5,876
Loan loss allowance to noncurrent loans	93.6983%	2,987
Noncurrent assets plus other real estate owned to assets	1.5151%	4,108
Noncurrent loans to loans	1.1790%	4,972
Net loans and leases to total assets	78.9071%	1,203
Net loans and leases to deposits	91.4923%	1,965
Net loans and leases to core deposits	110.3526%	2,857
Total domestic deposits to total assets	86.2445%	2,892
Equity capital to assets	8.5105%	5,862
Core capital (leverage) ratio	8.3699%	5,503
Tier 1 risk-based capital ratio	10.8585%	6,057
Total risk-based capital ratio	11.9971%	6,134
Memoranda:
Average total assets	$101,980,000	5,042
Average earning assets	$97,049,000	4,922
Average equity	$8,567,400	5,746
Average total loans	$81,800,800	4,453
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.2156%	1,336
Cost of funding earning assets	2.1803%	2,496
Net interest margin	4.0353%	2,657
Noninterest income to average assets	0.7351%	2,798
Noninterest expense to average assets	2.5146%	6,024
Loan and lease loss provision to assets	0.2555%	4,906
Net operating income to assets	1.8188%	423
Return on assets (ROA)	1.8188%	452
Pretax return on assets	1.8188%	773
Return on Equity (ROE)	21.7209%	216
Retained earnings to average equity (ytd only)	14.3658%	178
Net charge-offs to loans	0.2202%	4,659
Credit loss provision to net charge-offs	144.4444%	3,372
Earnings coverage of net charge-offs (x)	11.7256%	1,832
Efficiency ratio	54.7973%	7,144
Assets per employee ($millions)	3.7914%	4,205
Cash dividends to net income (ytd only)*	33.8616%	2,718
Condition Ratios (%)
Loss allowance to loans	1.0654%	5,929
Loan loss allowance to noncurrent loans	96.0172%	2,873
Noncurrent assets plus other real estate owned to assets	1.3744%	4,343
Noncurrent loans to loans	1.1095%	5,095
Net loans and leases to total assets	80.9190%	996
Net loans and leases to deposits	95.3585%	1,663
Net loans and leases to core deposits	114.5409%	2,775
Total domestic deposits to total assets	84.8577%	3,302
Equity capital to assets	8.7048%	5,944
Core capital (leverage) ratio	8.5518%	5,397
Tier 1 risk-based capital ratio	10.8882%	6,065
Total risk-based capital ratio	11.9949%	6,176
Memoranda:
Average total assets	$101,750,750	5,073
Average earning assets	$97,172,500	4,950
Average equity	$8,520,000	5,818
Average total loans	$81,726,000	4,494
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.0420%	2,006
Cost of funding earning assets	2.2781%	2,451
Net interest margin	3.7639%	3,703
Noninterest income to average assets	0.7287%	2,822
Noninterest expense to average assets	2.5545%	5,925
Loan and lease loss provision to assets	0.2698%	4,424
Net operating income to assets	1.5067%	824
Return on assets (ROA)	1.5067%	882
Pretax return on assets	1.5067%	1,425
Return on Equity (ROE)	18.2367%	473
Retained earnings to average equity (ytd only)	15.1377%	202
Net charge-offs to loans	0.1900%	4,362
Credit loss provision to net charge-offs	177.9221%	2,577
Earnings coverage of net charge-offs (x)	11.7143%	1,879
Efficiency ratio	58.9814%	6,696
Assets per employee ($millions)	3.8897%	3,895
Cash dividends to net income (ytd only)*	16.9935%	3,227
Condition Ratios (%)
Loss allowance to loans	1.0810%	5,726
Loan loss allowance to noncurrent loans	59.0338%	4,515
Noncurrent assets plus other real estate owned to assets	1.5386%	3,920
Noncurrent loans to loans	1.8311%	3,764
Net loans and leases to total assets	80.7115%	1,188
Net loans and leases to deposits	95.7737%	1,833
Net loans and leases to core deposits	114.3958%	2,869
Total domestic deposits to total assets	84.2732%	3,614
Equity capital to assets	8.4789%	6,081
Core capital (leverage) ratio	8.2597%	5,868
Tier 1 risk-based capital ratio	10.6782%	6,205
Total risk-based capital ratio	11.7997%	6,284
Memoranda:
Average total assets	$101,544,670	5,122
Average earning assets	$97,185,670	4,971
Average equity	$8,389,670	5,885
Average total loans	$81,058,670	4,556
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1103%	1,910
Cost of funding earning assets	2.3710%	2,410
Net interest margin	3.7393%	3,716
Noninterest income to average assets	0.6801%	3,002
Noninterest expense to average assets	2.2997%	6,541
Loan and lease loss provision to assets	0.1690%	4,778
Net operating income to assets	1.7887%	541
Return on assets (ROA)	1.7887%	598
Pretax return on assets	1.7887%	999
Return on Equity (ROE)	21.9356%	310
Retained earnings to average equity (ytd only)	21.9356%	131
Net charge-offs to loans	0.0548%	4,703
Credit loss provision to net charge-offs	390.9091%	1,321
Earnings coverage of net charge-offs (x)	45.2727%	774
Efficiency ratio	54.0166%	7,217
Assets per employee ($millions)	3.9994%	3,665
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	1.0666%	5,708
Loan loss allowance to noncurrent loans	120.0000%	2,608
Noncurrent assets plus other real estate owned to assets	0.6924%	5,428
Noncurrent loans to loans	0.8888%	5,228
Net loans and leases to total assets	77.0705%	2,025
Net loans and leases to deposits	91.6893%	2,651
Net loans and leases to core deposits	108.2299%	3,652
Total domestic deposits to total assets	84.0562%	3,680
Equity capital to assets	8.1791%	6,562
Core capital (leverage) ratio	8.1201%	6,256
Tier 1 risk-based capital ratio	10.4811%	6,415
Total risk-based capital ratio	11.5705%	6,497
Memoranda:
Average total assets	$101,750,500	5,129
Average earning assets	$97,344,500	4,995
Average equity	$8,297,000	5,956
Average total loans	$80,329,000	4,604
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.8569%	1,522
Cost of funding earning assets	2.8599%	2,444
Net interest margin	3.9970%	3,129
Noninterest income to average assets	0.7998%	2,514
Noninterest expense to average assets	2.7294%	5,132
Loan and lease loss provision to assets	0.1978%	4,908
Net operating income to assets	1.6662%	721
Return on assets (ROA)	1.6662%	689
Pretax return on assets	1.6662%	1,225
Return on Equity (ROE)	20.1043%	365
Retained earnings to average equity (ytd only)	9.4685%	525
Net charge-offs to loans	0.0963%	5,365
Credit loss provision to net charge-offs	255.5556%	1,825
Earnings coverage of net charge-offs (x)	24.0833%	1,385
Efficiency ratio	59.4196%	6,454
Assets per employee ($millions)	3.6858%	4,205
Cash dividends to net income (ytd only)*	52.9032%	2,982
Condition Ratios (%)
Loss allowance to loans	1.0445%	5,675
Loan loss allowance to noncurrent loans	133.1200%	2,730
Noncurrent assets plus other real estate owned to assets	0.7114%	5,091
Noncurrent loans to loans	0.7847%	5,074
Net loans and leases to total assets	79.2036%	1,836
Net loans and leases to deposits	94.4994%	2,687
Net loans and leases to core deposits	112.3126%	3,531
Total domestic deposits to total assets	83.8138%	3,423
Equity capital to assets	8.1283%	6,658
Core capital (leverage) ratio	7.8926%	6,664
Tier 1 risk-based capital ratio	10.1422%	6,583
Total risk-based capital ratio	11.2161%	6,661
Memoranda:
Average total assets	$93,023,400	5,260
Average earning assets	$88,290,600	5,139
Average equity	$7,709,800	6,207
Average total loans	$74,758,600	4,701