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American Bank of Freedom, Performance and Condition Ratios

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2025-03-31		Rank
Percentage of unprofitable institutions	0.0000%	303
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.3617%	749
Cost of funding earning assets	3.4343%	130
Net interest margin	2.9274%	3,516
Noninterest income to average assets	0.1500%	3,849
Noninterest expense to average assets	2.1879%	3,134
Loan and lease loss provision to assets	-0.0100%	4,145
Net operating income to assets	0.5671%	3,427
Return on assets (ROA)	0.5671%	3,441
Pretax return on assets	0.7403%	3,317
Return on Equity (ROE)	5.9300%	3,354
Retained earnings to average equity (ytd only)	5.9332%	2,295
Net charge-offs to loans	-0.0026%	3,586
Credit loss provision to net charge-offs	0.0000%	1,760
Earnings coverage of net charge-offs (x)	0.0000%	2,230
Efficiency ratio	74.5064%	1,385
Assets per employee ($millions)	9.5108%	931
Cash dividends to net income (ytd only)*	0.0000%	2,332
Condition Ratios (%)
Loss allowance to loans	1.8086%	527
Loan loss allowance to noncurrent loans	86.1500%	3,085
Noncurrent assets plus other real estate owned to assets	1.7200%	321
Noncurrent loans to loans	2.0993%	402
Net loans and leases to total assets	80.4500%	552
Net loans and leases to deposits	106.9526%	212
Net loans and leases to core deposits	129.9389%	336
Total domestic deposits to total assets	75.2200%	4,027
Equity capital to assets	9.6239%	2,487
Core capital (leverage) ratio	9.7498%	3,035
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.1209%	2,165
Memoranda:
Average total assets	$938,057,500	1,095
Average earning assets	$887,625,000	1,069
Average equity	$89,664,500	1,137
Average total loans	$766,697,000	956
2024-12-31		Rank
Percentage of unprofitable institutions	0.0000%	319
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.5111%	694
Cost of funding earning assets	3.5479%	173
Net interest margin	2.9631%	3,208
Noninterest income to average assets	0.5100%	1,882
Noninterest expense to average assets	2.1534%	3,249
Loan and lease loss provision to assets	0.6000%	157
Net operating income to assets	0.4186%	3,650
Return on assets (ROA)	0.4186%	3,673
Pretax return on assets	0.5455%	3,566
Return on Equity (ROE)	4.3000%	3,650
Retained earnings to average equity (ytd only)	4.2965%	2,513
Net charge-offs to loans	-0.0026%	3,813
Credit loss provision to net charge-offs	0.0000%	2,577
Earnings coverage of net charge-offs (x)	0.0000%	2,991
Efficiency ratio	64.7493%	2,636
Assets per employee ($millions)	9.1622%	1,002
Cash dividends to net income (ytd only)*	0.0000%	3,369
Condition Ratios (%)
Loss allowance to loans	1.8304%	506
Loan loss allowance to noncurrent loans	106.6284%	2,917
Noncurrent assets plus other real estate owned to assets	1.3996%	414
Noncurrent loans to loans	1.7166%	510
Net loans and leases to total assets	80.0400%	647
Net loans and leases to deposits	104.3600%	305
Net loans and leases to core deposits	130.2601%	368
Total domestic deposits to total assets	76.7000%	3,893
Equity capital to assets	9.4927%	2,462
Core capital (leverage) ratio	9.5099%	3,213
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.0579%	2,193
Memoranda:
Average total assets	$911,713,400	1,097
Average earning assets	$859,966,600	1,072
Average equity	$88,816,400	1,110
Average total loans	$744,861,200	961
2024-09-30		Rank
Percentage of unprofitable institutions	0.0000%	305
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.4320%	751
Cost of funding earning assets	3.4835%	206
Net interest margin	2.9485%	3,205
Noninterest income to average assets	0.6200%	1,407
Noninterest expense to average assets	2.1587%	3,188
Loan and lease loss provision to assets	0.8100%	89
Net operating income to assets	0.3341%	3,805
Return on assets (ROA)	0.3341%	3,836
Pretax return on assets	0.4357%	3,755
Return on Equity (ROE)	3.4100%	3,824
Retained earnings to average equity (ytd only)	3.4067%	3,039
Net charge-offs to loans	-0.0025%	3,741
Credit loss provision to net charge-offs	0.0000%	2,285
Earnings coverage of net charge-offs (x)	0.0000%	2,734
Efficiency ratio	62.9372%	2,823
Assets per employee ($millions)	9.4408%	913
Cash dividends to net income (ytd only)*	0.0000%	3,021
Condition Ratios (%)
Loss allowance to loans	1.7920%	556
Loan loss allowance to noncurrent loans	106.3788%	2,959
Noncurrent assets plus other real estate owned to assets	1.3882%	398
Noncurrent loans to loans	1.6845%	520
Net loans and leases to total assets	80.9300%	520
Net loans and leases to deposits	106.9013%	238
Net loans and leases to core deposits	141.2126%	243
Total domestic deposits to total assets	75.7100%	3,943
Equity capital to assets	9.3832%	2,762
Core capital (leverage) ratio	9.5557%	3,223
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.0821%	2,530
Memoranda:
Average total assets	$906,004,750	1,097
Average earning assets	$854,059,000	1,080
Average equity	$88,842,000	1,109
Average total loans	$740,587,000	960
2024-06-30		Rank
Percentage of unprofitable institutions	0.0000%	306
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.4927%	639
Cost of funding earning assets	3.5102%	172
Net interest margin	2.9825%	3,082
Noninterest income to average assets	0.2200%	3,548
Noninterest expense to average assets	2.2339%	2,988
Loan and lease loss provision to assets	0.1800%	618
Net operating income to assets	0.4731%	3,501
Return on assets (ROA)	0.4731%	3,536
Pretax return on assets	0.6139%	3,419
Return on Equity (ROE)	4.7500%	3,573
Retained earnings to average equity (ytd only)	4.7522%	2,430
Net charge-offs to loans	-0.0025%	3,663
Credit loss provision to net charge-offs	0.0000%	2,036
Earnings coverage of net charge-offs (x)	0.0000%	2,538
Efficiency ratio	73.2599%	1,724
Assets per employee ($millions)	9.3794%	884
Cash dividends to net income (ytd only)*	0.0000%	2,897
Condition Ratios (%)
Loss allowance to loans	1.2148%	2,175
Loan loss allowance to noncurrent loans	99.4388%	3,079
Noncurrent assets plus other real estate owned to assets	1.0081%	596
Noncurrent loans to loans	1.2216%	742
Net loans and leases to total assets	81.5200%	519
Net loans and leases to deposits	108.7462%	245
Net loans and leases to core deposits	142.0593%	242
Total domestic deposits to total assets	74.9600%	3,985
Equity capital to assets	9.7928%	2,201
Core capital (leverage) ratio	9.9511%	2,846
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.2018%	2,519
Memoranda:
Average total assets	$893,313,000	1,113
Average earning assets	$841,100,667	1,096
Average equity	$88,927,667	1,101
Average total loans	$728,111,000	972
2024-03-31		Rank
Percentage of unprofitable institutions	0.0000%	11
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.4047%	648
Cost of funding earning assets	3.4527%	176
Net interest margin	2.9520%	3,085
Noninterest income to average assets	0.2200%	3,505
Noninterest expense to average assets	2.1972%	3,083
Loan and lease loss provision to assets	0.1600%	649
Net operating income to assets	0.4916%	3,414
Return on assets (ROA)	0.4916%	3,439
Pretax return on assets	0.6375%	3,313
Return on Equity (ROE)	4.9000%	3,474
Retained earnings to average equity (ytd only)	4.8968%	2,440
Net charge-offs to loans	-0.0028%	3,572
Credit loss provision to net charge-offs	0.0000%	1,619
Earnings coverage of net charge-offs (x)	0.0000%	2,130
Efficiency ratio	72.7562%	1,872
Assets per employee ($millions)	9.4614%	873
Cash dividends to net income (ytd only)*	0.0000%	2,272
Condition Ratios (%)
Loss allowance to loans	1.2082%	2,241
Loan loss allowance to noncurrent loans	103.4320%	3,118
Noncurrent assets plus other real estate owned to assets	0.9603%	613
Noncurrent loans to loans	1.1681%	717
Net loans and leases to total assets	81.2200%	491
Net loans and leases to deposits	107.9050%	231
Net loans and leases to core deposits	137.9930%	300
Total domestic deposits to total assets	75.2700%	4,038
Equity capital to assets	10.1315%	1,930
Core capital (leverage) ratio	10.0358%	2,730
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.6647%	2,354
Memoranda:
Average total assets	$880,380,500	1,126
Average earning assets	$829,260,500	1,112
Average equity	$88,385,000	1,104
Average total loans	$712,925,000	991
2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.0166%	622
Cost of funding earning assets	2.6932%	251
Net interest margin	3.3234%	2,567
Noninterest income to average assets	0.2200%	3,634
Noninterest expense to average assets	2.3448%	2,731
Loan and lease loss provision to assets	0.0800%	1,564
Net operating income to assets	0.7099%	3,169
Return on assets (ROA)	0.7099%	3,142
Pretax return on assets	0.9198%	2,909
Return on Equity (ROE)	6.5900%	3,391
Retained earnings to average equity (ytd only)	6.5877%	2,027
Net charge-offs to loans	0.0366%	1,575
Credit loss provision to net charge-offs	261.1814%	1,041
Earnings coverage of net charge-offs (x)	33.1224%	1,570
Efficiency ratio	69.5697%	1,939
Assets per employee ($millions)	9.1729%	929
Cash dividends to net income (ytd only)*	0.0000%	3,404
Condition Ratios (%)
Loss allowance to loans	1.2271%	2,130
Loan loss allowance to noncurrent loans	3,652.5424%	310
Noncurrent assets plus other real estate owned to assets	0.0268%	3,508
Noncurrent loans to loans	0.0336%	3,491
Net loans and leases to total assets	78.7900%	786
Net loans and leases to deposits	107.1883%	256
Net loans and leases to core deposits	135.7849%	322
Total domestic deposits to total assets	73.5100%	4,132
Equity capital to assets	9.9502%	2,041
Core capital (leverage) ratio	10.5430%	2,311
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.7582%	2,317
Memoranda:
Average total assets	$786,118,000	1,199
Average earning assets	$738,376,800	1,185
Average equity	$84,719,000	1,085
Average total loans	$646,664,400	1,031
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.8752%	626
Cost of funding earning assets	2.5355%	254
Net interest margin	3.3397%	2,596
Noninterest income to average assets	0.2400%	3,510
Noninterest expense to average assets	2.3695%	2,600
Loan and lease loss provision to assets	0.0700%	1,559
Net operating income to assets	0.7276%	3,238
Return on assets (ROA)	0.7276%	3,226
Pretax return on assets	0.9346%	3,020
Return on Equity (ROE)	6.6100%	3,523
Retained earnings to average equity (ytd only)	6.6051%	2,431
Net charge-offs to loans	0.0512%	1,167
Credit loss provision to net charge-offs	165.8436%	1,250
Earnings coverage of net charge-offs (x)	23.6543%	1,728
Efficiency ratio	69.6409%	1,830
Assets per employee ($millions)	8.3190%	1,201
Cash dividends to net income (ytd only)*	0.0000%	3,002
Condition Ratios (%)
Loss allowance to loans	1.2535%	2,087
Loan loss allowance to noncurrent loans	3,484.6473%	323
Noncurrent assets plus other real estate owned to assets	0.0302%	3,505
Noncurrent loans to loans	0.0360%	3,508
Net loans and leases to total assets	82.8400%	372
Net loans and leases to deposits	112.7639%	148
Net loans and leases to core deposits	137.8918%	245
Total domestic deposits to total assets	73.4600%	4,191
Equity capital to assets	10.7293%	1,464
Core capital (leverage) ratio	10.8492%	2,100
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.8894%	2,303
Memoranda:
Average total assets	$762,497,250	1,223
Average earning assets	$715,576,750	1,205
Average equity	$83,993,250	1,086
Average total loans	$632,717,750	1,042
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6104%	719
Cost of funding earning assets	2.3026%	278
Net interest margin	3.3078%	2,732
Noninterest income to average assets	0.2300%	3,559
Noninterest expense to average assets	2.3085%	2,779
Loan and lease loss provision to assets	0.0600%	1,720
Net operating income to assets	0.7342%	3,259
Return on assets (ROA)	0.7342%	3,269
Pretax return on assets	0.9663%	3,003
Return on Equity (ROE)	6.6000%	3,564
Retained earnings to average equity (ytd only)	6.6044%	2,420
Net charge-offs to loans	-0.0006%	3,412
Credit loss provision to net charge-offs	0.0000%	1,862
Earnings coverage of net charge-offs (x)	0.0000%	2,403
Efficiency ratio	68.6107%	1,907
Assets per employee ($millions)	8.2080%	1,227
Cash dividends to net income (ytd only)*	0.0000%	2,909
Condition Ratios (%)
Loss allowance to loans	1.3273%	1,814
Loan loss allowance to noncurrent loans	597.2496%	1,362
Noncurrent assets plus other real estate owned to assets	0.2646%	1,880
Noncurrent loans to loans	0.2222%	2,375
Net loans and leases to total assets	80.7400%	551
Net loans and leases to deposits	110.5714%	193
Net loans and leases to core deposits	132.3117%	297
Total domestic deposits to total assets	73.0200%	4,252
Equity capital to assets	10.9151%	1,425
Core capital (leverage) ratio	11.0759%	1,873
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.4571%	2,114
Memoranda:
Average total assets	$750,455,000	1,238
Average earning assets	$704,763,667	1,220
Average equity	$83,428,667	1,087
Average total loans	$620,300,333	1,053
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4568%	660
Cost of funding earning assets	2.0926%	240
Net interest margin	3.3642%	2,724
Noninterest income to average assets	0.2000%	3,776
Noninterest expense to average assets	2.2923%	2,834
Loan and lease loss provision to assets	0.0300%	2,084
Net operating income to assets	0.7982%	3,194
Return on assets (ROA)	0.7982%	3,149
Pretax return on assets	1.0428%	2,875
Return on Equity (ROE)	7.1200%	3,489
Retained earnings to average equity (ytd only)	7.1194%	2,460
Net charge-offs to loans	-0.0007%	3,291
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	67.5230%	2,031
Assets per employee ($millions)	8.6716%	1,067
Cash dividends to net income (ytd only)*	0.0000%	2,306
Condition Ratios (%)
Loss allowance to loans	1.3394%	1,860
Loan loss allowance to noncurrent loans	574.3767%	1,471
Noncurrent assets plus other real estate owned to assets	0.1959%	2,163
Noncurrent loans to loans	0.2332%	2,335
Net loans and leases to total assets	82.8800%	301
Net loans and leases to deposits	109.1551%	197
Net loans and leases to core deposits	132.6852%	247
Total domestic deposits to total assets	75.9300%	4,163
Equity capital to assets	11.3210%	1,218
Core capital (leverage) ratio	11.2688%	1,681
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.5764%	2,153
Memoranda:
Average total assets	$735,692,000	1,268
Average earning assets	$691,757,500	1,253
Average equity	$82,478,500	1,113
Average total loans	$611,426,500	1,075
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6478%	563
Cost of funding earning assets	1.0192%	143
Net interest margin	3.6286%	1,560
Noninterest income to average assets	0.4700%	2,269
Noninterest expense to average assets	2.5045%	2,098
Loan and lease loss provision to assets	0.1500%	793
Net operating income to assets	0.9490%	2,776
Return on assets (ROA)	0.9490%	2,724
Pretax return on assets	1.2291%	2,340
Return on Equity (ROE)	8.9900%	3,137
Retained earnings to average equity (ytd only)	8.9928%	1,484
Net charge-offs to loans	0.0437%	1,249
Credit loss provision to net charge-offs	408.2305%	767
Earnings coverage of net charge-offs (x)	38.2634%	1,534
Efficiency ratio	63.9782%	2,495
Assets per employee ($millions)	7.4210%	1,670
Cash dividends to net income (ytd only)*	0.0000%	3,453
Condition Ratios (%)
Loss allowance to loans	1.2834%	1,977
Loan loss allowance to noncurrent loans	1,637.8436%	687
Noncurrent assets plus other real estate owned to assets	0.0644%	3,158
Noncurrent loans to loans	0.0784%	3,196
Net loans and leases to total assets	81.1100%	491
Net loans and leases to deposits	104.7670%	270
Net loans and leases to core deposits	124.6533%	296
Total domestic deposits to total assets	77.4200%	4,137
Equity capital to assets	11.1461%	1,201
Core capital (leverage) ratio	11.4779%	1,531
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.4865%	2,174
Memoranda:
Average total assets	$675,791,000	1,336
Average earning assets	$635,308,800	1,324
Average equity	$71,312,600	1,228
Average total loans	$556,109,000	1,095
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4307%	548
Cost of funding earning assets	0.7818%	165
Net interest margin	3.6489%	1,271
Noninterest income to average assets	0.5100%	2,099
Noninterest expense to average assets	2.5255%	1,938
Loan and lease loss provision to assets	0.1400%	734
Net operating income to assets	0.9846%	2,529
Return on assets (ROA)	0.9846%	2,505
Pretax return on assets	1.2741%	2,127
Return on Equity (ROE)	9.4800%	2,881
Retained earnings to average equity (ytd only)	9.4791%	1,489
Net charge-offs to loans	0.0598%	886
Credit loss provision to net charge-offs	283.6066%	839
Earnings coverage of net charge-offs (x)	28.7254%	1,540
Efficiency ratio	63.5451%	2,617
Assets per employee ($millions)	6.7975%	2,096
Cash dividends to net income (ytd only)*	0.0000%	3,071
Condition Ratios (%)
Loss allowance to loans	1.2755%	2,147
Loan loss allowance to noncurrent loans	5,640.1515%	240
Noncurrent assets plus other real estate owned to assets	0.0192%	3,754
Noncurrent loans to loans	0.0226%	3,740
Net loans and leases to total assets	83.9300%	250
Net loans and leases to deposits	108.9130%	137
Net loans and leases to core deposits	123.7895%	195
Total domestic deposits to total assets	77.0700%	4,317
Equity capital to assets	10.0310%	1,607
Core capital (leverage) ratio	10.0055%	2,539
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	11.8767%	2,854
Memoranda:
Average total assets	$661,069,750	1,364
Average earning assets	$621,468,000	1,353
Average equity	$68,668,750	1,282
Average total loans	$544,225,750	1,106
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3299%	506
Cost of funding earning assets	0.6703%	183
Net interest margin	3.6596%	977
Noninterest income to average assets	0.3451%	3,083
Noninterest expense to average assets	2.5196%	1,865
Loan and lease loss provision to assets	0.0588%	1,536
Net operating income to assets	0.9372%	2,415
Return on assets (ROA)	0.9372%	2,391
Pretax return on assets	1.2069%	2,053
Return on Equity (ROE)	8.9151%	2,723
Retained earnings to average equity (ytd only)	8.9151%	1,314
Net charge-offs to loans	0.0930%	613
Credit loss provision to net charge-offs	77.7328%	1,393
Earnings coverage of net charge-offs (x)	16.7206%	1,619
Efficiency ratio	65.9623%	2,516
Assets per employee ($millions)	6.6592%	2,201
Cash dividends to net income (ytd only)*	0.0000%	2,927
Condition Ratios (%)
Loss allowance to loans	1.2394%	2,470
Loan loss allowance to noncurrent loans	5,219.5489%	243
Noncurrent assets plus other real estate owned to assets	0.6056%	922
Noncurrent loans to loans	0.0237%	3,781
Net loans and leases to total assets	83.0686%	231
Net loans and leases to deposits	104.4267%	158
Net loans and leases to core deposits	114.6698%	269
Total domestic deposits to total assets	79.5472%	4,264
Equity capital to assets	10.2738%	1,550
Core capital (leverage) ratio	10.0160%	2,374
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	11.8392%	2,853
Memoranda:
Average total assets	$652,575,667	1,382
Average earning assets	$613,449,333	1,380
Average equity	$68,602,333	1,312
Average total loans	$531,069,333	1,120
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2126%	503
Cost of funding earning assets	0.6423%	206
Net interest margin	3.5702%	943
Noninterest income to average assets	0.4063%	2,644
Noninterest expense to average assets	2.4530%	2,009
Loan and lease loss provision to assets	0.0446%	1,556
Net operating income to assets	0.9822%	1,959
Return on assets (ROA)	0.9822%	1,957
Pretax return on assets	1.2751%	1,582
Return on Equity (ROE)	9.2349%	2,234
Retained earnings to average equity (ytd only)	9.2349%	1,208
Net charge-offs to loans	0.1928%	318
Credit loss provision to net charge-offs	28.9157%	1,265
Earnings coverage of net charge-offs (x)	8.5582%	1,509
Efficiency ratio	64.4123%	2,978
Assets per employee ($millions)	6.6159%	2,282
Cash dividends to net income (ytd only)*	0.0000%	2,254
Condition Ratios (%)
Loss allowance to loans	1.3080%	2,319
Loan loss allowance to noncurrent loans	159.2947%	2,881
Noncurrent assets plus other real estate owned to assets	0.6604%	892
Noncurrent loans to loans	0.8211%	1,151
Net loans and leases to total assets	79.3786%	269
Net loans and leases to deposits	97.7659%	237
Net loans and leases to core deposits	104.2411%	389
Total domestic deposits to total assets	81.1926%	4,183
Equity capital to assets	10.5352%	1,582
Core capital (leverage) ratio	10.0918%	2,196
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.7072%	2,713
Memoranda:
Average total assets	$645,906,000	1,396
Average earning assets	$609,034,000	1,391
Average equity	$68,696,000	1,350
Average total loans	$516,550,000	1,134
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6559%	455
Cost of funding earning assets	0.8207%	185
Net interest margin	3.8351%	946
Noninterest income to average assets	0.9091%	1,179
Noninterest expense to average assets	2.7115%	1,609
Loan and lease loss provision to assets	0.3951%	172
Net operating income to assets	1.0792%	2,371
Return on assets (ROA)	1.0834%	2,426
Pretax return on assets	1.4324%	1,939
Return on Equity (ROE)	10.4343%	2,377
Retained earnings to average equity (ytd only)	10.4343%	812
Net charge-offs to loans	0.0668%	1,125
Credit loss provision to net charge-offs	708.3601%	657
Earnings coverage of net charge-offs (x)	32.6688%	1,550
Efficiency ratio	59.5158%	3,226
Assets per employee ($millions)	6.5658%	2,279
Cash dividends to net income (ytd only)*	0.0000%	3,588
Condition Ratios (%)
Loss allowance to loans	1.3678%	2,060
Loan loss allowance to noncurrent loans	163.0475%	2,863
Noncurrent assets plus other real estate owned to assets	0.6670%	970
Noncurrent loans to loans	0.8389%	1,209
Net loans and leases to total assets	78.4242%	355
Net loans and leases to deposits	96.7806%	287
Net loans and leases to core deposits	103.3530%	423
Total domestic deposits to total assets	81.0329%	4,103
Equity capital to assets	10.7368%	1,987
Core capital (leverage) ratio	9.9359%	2,426
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.1106%	2,591
Memoranda:
Average total assets	$557,589,600	1,548
Average earning assets	$526,968,200	1,525
Average equity	$57,895,600	1,564
Average total loans	$465,832,600	1,227
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7004%	483
Cost of funding earning assets	0.8425%	205
Net interest margin	3.8579%	1,013
Noninterest income to average assets	0.9828%	1,101
Noninterest expense to average assets	2.5874%	1,875
Loan and lease loss provision to assets	0.3829%	173
Net operating income to assets	1.2741%	1,905
Return on assets (ROA)	1.2800%	1,943
Pretax return on assets	1.6652%	1,501
Return on Equity (ROE)	12.4551%	1,884
Retained earnings to average equity (ytd only)	12.4551%	734
Net charge-offs to loans	0.0220%	1,608
Credit loss provision to net charge-offs	2,053.3333%	320
Earnings coverage of net charge-offs (x)	109.4133%	825
Efficiency ratio	55.9054%	3,544
Assets per employee ($millions)	6.5878%	2,189
Cash dividends to net income (ytd only)*	0.0000%	3,236
Condition Ratios (%)
Loss allowance to loans	1.3217%	2,386
Loan loss allowance to noncurrent loans	143.5657%	2,968
Noncurrent assets plus other real estate owned to assets	0.7313%	1,006
Noncurrent loans to loans	0.9206%	1,251
Net loans and leases to total assets	78.3904%	376
Net loans and leases to deposits	98.4862%	262
Net loans and leases to core deposits	105.4167%	422
Total domestic deposits to total assets	79.5954%	4,284
Equity capital to assets	10.9489%	2,057
Core capital (leverage) ratio	10.0843%	2,410
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.3955%	2,585
Memoranda:
Average total assets	$536,124,250	1,621
Average earning assets	$506,580,750	1,598
Average equity	$55,098,000	1,655
Average total loans	$454,386,000	1,275
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8869%	417
Cost of funding earning assets	0.8883%	196
Net interest margin	3.9986%	823
Noninterest income to average assets	0.9569%	1,143
Noninterest expense to average assets	2.5692%	1,934
Loan and lease loss provision to assets	0.3809%	183
Net operating income to assets	1.3824%	1,622
Return on assets (ROA)	1.3824%	1,693
Pretax return on assets	1.7984%	1,239
Return on Equity (ROE)	13.8238%	1,469
Retained earnings to average equity (ytd only)	13.8238%	574
Net charge-offs to loans	0.0168%	1,615
Credit loss provision to net charge-offs	2,605.4054%	232
Earnings coverage of net charge-offs (x)	149.0811%	592
Efficiency ratio	54.1060%	3,787
Assets per employee ($millions)	5.9145%	2,702
Cash dividends to net income (ytd only)*	0.0000%	3,087
Condition Ratios (%)
Loss allowance to loans	1.3507%	2,186
Loan loss allowance to noncurrent loans	128.2253%	3,070
Noncurrent assets plus other real estate owned to assets	0.9354%	822
Noncurrent loans to loans	1.0534%	1,162
Net loans and leases to total assets	83.7052%	144
Net loans and leases to deposits	106.7710%	148
Net loans and leases to core deposits	115.9730%	263
Total domestic deposits to total assets	78.3969%	4,397
Equity capital to assets	9.9497%	2,892
Core capital (leverage) ratio	9.1763%	3,242
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.1770%	2,926
Memoranda:
Average total assets	$506,218,000	1,692
Average earning assets	$480,022,000	1,665
Average equity	$50,623,000	1,753
Average total loans	$440,124,000	1,307
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9925%	359
Cost of funding earning assets	0.9270%	196
Net interest margin	4.0655%	765
Noninterest income to average assets	1.0417%	1,068
Noninterest expense to average assets	2.6001%	1,885
Loan and lease loss provision to assets	0.4031%	191
Net operating income to assets	1.4585%	1,426
Return on assets (ROA)	1.4585%	1,488
Pretax return on assets	1.8963%	1,121
Return on Equity (ROE)	14.5455%	1,318
Retained earnings to average equity (ytd only)	14.5455%	684
Net charge-offs to loans	0.0366%	1,109
Credit loss provision to net charge-offs	1,250.0000%	357
Earnings coverage of net charge-offs (x)	71.3000%	752
Efficiency ratio	53.0689%	3,901
Assets per employee ($millions)	6.3722%	2,277
Cash dividends to net income (ytd only)*	0.0000%	2,433
Condition Ratios (%)
Loss allowance to loans	1.2295%	2,766
Loan loss allowance to noncurrent loans	113.2452%	3,175
Noncurrent assets plus other real estate owned to assets	0.9641%	864
Noncurrent loans to loans	1.0857%	1,226
Net loans and leases to total assets	87.7103%	48
Net loans and leases to deposits	112.5548%	116
Net loans and leases to core deposits	126.0454%	185
Total domestic deposits to total assets	77.9268%	4,443
Equity capital to assets	10.0236%	2,684
Core capital (leverage) ratio	9.4085%	3,138
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.0999%	2,910
Memoranda:
Average total assets	$496,133,000	1,711
Average earning assets	$470,789,500	1,677
Average equity	$49,747,500	1,771
Average total loans	$436,862,500	1,312
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9967%	493
Cost of funding earning assets	1.3676%	142
Net interest margin	3.6292%	2,045
Noninterest income to average assets	0.6459%	2,043
Noninterest expense to average assets	2.5190%	2,786
Loan and lease loss provision to assets	0.4636%	590
Net operating income to assets	0.8661%	2,840
Return on assets (ROA)	0.8661%	2,976
Pretax return on assets	1.1099%	2,656
Return on Equity (ROE)	8.4315%	2,634
Retained earnings to average equity (ytd only)	8.4315%	930
Net charge-offs to loans	0.0655%	1,844
Credit loss provision to net charge-offs	825.4980%	879
Earnings coverage of net charge-offs (x)	28.0199%	1,666
Efficiency ratio	61.5515%	3,215
Assets per employee ($millions)	6.1858%	2,181
Cash dividends to net income (ytd only)*	0.0000%	3,731
Condition Ratios (%)
Loss allowance to loans	1.2125%	2,876
Loan loss allowance to noncurrent loans	101.7946%	3,307
Noncurrent assets plus other real estate owned to assets	1.0394%	905
Noncurrent loans to loans	1.1911%	1,185
Net loans and leases to total assets	86.2045%	94
Net loans and leases to deposits	111.9422%	143
Net loans and leases to core deposits	125.9396%	243
Total domestic deposits to total assets	77.0080%	4,411
Equity capital to assets	10.0307%	3,103
Core capital (leverage) ratio	9.2976%	3,323
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	11.9351%	2,944
Memoranda:
Average total assets	$446,966,400	1,713
Average earning assets	$424,478,200	1,680
Average equity	$45,911,000	1,814
Average total loans	$383,422,200	1,415
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0574%	550
Cost of funding earning assets	1.4665%	137
Net interest margin	3.5909%	2,306
Noninterest income to average assets	0.6586%	1,953
Noninterest expense to average assets	2.5139%	2,791
Loan and lease loss provision to assets	0.4243%	793
Net operating income to assets	0.8558%	2,884
Return on assets (ROA)	0.8558%	3,012
Pretax return on assets	1.1306%	2,641
Return on Equity (ROE)	8.2784%	2,696
Retained earnings to average equity (ytd only)	8.2784%	1,215
Net charge-offs to loans	0.0627%	1,708
Credit loss provision to net charge-offs	792.0455%	989
Earnings coverage of net charge-offs (x)	29.0284%	1,620
Efficiency ratio	61.7847%	3,106
Assets per employee ($millions)	6.6296%	1,731
Cash dividends to net income (ytd only)*	0.0000%	3,332
Condition Ratios (%)
Loss allowance to loans	1.1020%	3,198
Loan loss allowance to noncurrent loans	712.5000%	811
Noncurrent assets plus other real estate owned to assets	0.1324%	3,762
Noncurrent loans to loans	0.1547%	3,767
Net loans and leases to total assets	84.6657%	230
Net loans and leases to deposits	114.9803%	158
Net loans and leases to core deposits	130.2846%	247
Total domestic deposits to total assets	73.6350%	4,594
Equity capital to assets	9.8808%	3,356
Core capital (leverage) ratio	9.4556%	3,302
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.0688%	2,905
Memoranda:
Average total assets	$438,085,500	1,716
Average earning assets	$416,038,250	1,683
Average equity	$45,289,500	1,834
Average total loans	$374,019,500	1,430
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1374%	640
Cost of funding earning assets	1.5839%	124
Net interest margin	3.5535%	2,628
Noninterest income to average assets	0.5741%	2,236
Noninterest expense to average assets	2.5021%	2,955
Loan and lease loss provision to assets	0.6560%	440
Net operating income to assets	0.5958%	3,755
Return on assets (ROA)	0.5958%	3,833
Pretax return on assets	0.7925%	3,609
Return on Equity (ROE)	5.6689%	3,610
Retained earnings to average equity (ytd only)	5.6689%	2,203
Net charge-offs to loans	0.0988%	1,282
Credit loss provision to net charge-offs	778.7709%	930
Earnings coverage of net charge-offs (x)	17.1955%	1,827
Efficiency ratio	63.3353%	2,909
Assets per employee ($millions)	6.5744%	1,725
Cash dividends to net income (ytd only)*	0.0000%	3,182
Condition Ratios (%)
Loss allowance to loans	1.1202%	2,930
Loan loss allowance to noncurrent loans	699.8445%	747
Noncurrent assets plus other real estate owned to assets	0.1397%	3,819
Noncurrent loans to loans	0.1601%	3,814
Net loans and leases to total assets	86.3159%	124
Net loans and leases to deposits	118.7970%	104
Net loans and leases to core deposits	130.6570%	248
Total domestic deposits to total assets	72.6583%	4,677
Equity capital to assets	9.8919%	3,294
Core capital (leverage) ratio	9.4535%	3,412
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.1502%	2,925
Memoranda:
Average total assets	$425,004,000	1,730
Average earning assets	$403,822,000	1,698
Average equity	$44,664,667	1,839
Average total loans	$362,480,000	1,450
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2902%	561
Cost of funding earning assets	1.7307%	114
Net interest margin	3.5595%	2,790
Noninterest income to average assets	0.5803%	2,124
Noninterest expense to average assets	2.7462%	2,589
Loan and lease loss provision to assets	0.2612%	1,194
Net operating income to assets	0.7344%	3,152
Return on assets (ROA)	0.7344%	3,236
Pretax return on assets	0.9612%	2,960
Return on Equity (ROE)	6.7638%	3,041
Retained earnings to average equity (ytd only)	6.7638%	1,621
Net charge-offs to loans	0.0198%	1,969
Credit loss provision to net charge-offs	1,564.7059%	412
Earnings coverage of net charge-offs (x)	73.2353%	705
Efficiency ratio	69.1984%	2,484
Assets per employee ($millions)	5.7667%	1,877
Cash dividends to net income (ytd only)*	0.0000%	2,581
Condition Ratios (%)
Loss allowance to loans	1.0098%	3,650
Loan loss allowance to noncurrent loans	627.7087%	792
Noncurrent assets plus other real estate owned to assets	0.1319%	3,981
Noncurrent loans to loans	0.1609%	3,884
Net loans and leases to total assets	81.1798%	543
Net loans and leases to deposits	110.9249%	174
Net loans and leases to core deposits	120.8209%	444
Total domestic deposits to total assets	73.1845%	4,714
Equity capital to assets	10.5050%	3,313
Core capital (leverage) ratio	10.3387%	3,110
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.3523%	2,549
Memoranda:
Average total assets	$407,403,500	1,741
Average earning assets	$387,809,500	1,712
Average equity	$44,235,500	1,836
Average total loans	$342,855,000	1,477
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3965%	670
Cost of funding earning assets	1.8644%	110
Net interest margin	3.5322%	3,342
Noninterest income to average assets	0.9642%	1,046
Noninterest expense to average assets	2.9690%	2,100
Loan and lease loss provision to assets	0.2662%	677
Net operating income to assets	0.8213%	3,482
Return on assets (ROA)	0.8213%	3,576
Pretax return on assets	1.0851%	3,219
Return on Equity (ROE)	7.8209%	3,239
Retained earnings to average equity (ytd only)	7.8209%	1,035
Net charge-offs to loans	0.0689%	2,104
Credit loss provision to net charge-offs	463.5071%	627
Earnings coverage of net charge-offs (x)	23.5261%	1,813
Efficiency ratio	68.7209%	2,355
Assets per employee ($millions)	5.2442%	2,291
Cash dividends to net income (ytd only)*	0.0000%	3,913
Condition Ratios (%)
Loss allowance to loans	0.9784%	3,615
Loan loss allowance to noncurrent loans	1,052.8846%	566
Noncurrent assets plus other real estate owned to assets	0.0804%	4,235
Noncurrent loans to loans	0.0929%	4,153
Net loans and leases to total assets	85.6719%	182
Net loans and leases to deposits	111.4506%	160
Net loans and leases to core deposits	121.1832%	445
Total domestic deposits to total assets	76.8698%	4,505
Equity capital to assets	11.2459%	2,766
Core capital (leverage) ratio	10.3611%	3,113
Tier 1 risk-based capital ratio	12.5446%	4,048
Total risk-based capital ratio	13.5738%	4,042
Memoranda:
Average total assets	$367,332,600	1,854
Average earning assets	$349,021,200	1,817
Average equity	$38,576,200	1,992
Average total loans	$306,126,000	1,578
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3356%	800
Cost of funding earning assets	1.8318%	124
Net interest margin	3.5038%	3,551
Noninterest income to average assets	0.8729%	1,209
Noninterest expense to average assets	2.9346%	2,148
Loan and lease loss provision to assets	0.2099%	829
Net operating income to assets	0.8015%	3,668
Return on assets (ROA)	0.8015%	3,740
Pretax return on assets	1.0559%	3,428
Return on Equity (ROE)	7.7797%	3,399
Retained earnings to average equity (ytd only)	7.7797%	1,502
Net charge-offs to loans	0.0951%	1,525
Credit loss provision to net charge-offs	267.6056%	1,036
Earnings coverage of net charge-offs (x)	16.1410%	2,150
Efficiency ratio	69.8659%	2,133
Assets per employee ($millions)	5.1282%	2,419
Cash dividends to net income (ytd only)*	0.0000%	3,563
Condition Ratios (%)
Loss allowance to loans	0.8878%	4,097
Loan loss allowance to noncurrent loans	1,041.6667%	574
Noncurrent assets plus other real estate owned to assets	0.1917%	3,796
Noncurrent loans to loans	0.0852%	4,262
Net loans and leases to total assets	81.2777%	666
Net loans and leases to deposits	104.7464%	372
Net loans and leases to core deposits	114.0357%	750
Total domestic deposits to total assets	77.5947%	4,424
Equity capital to assets	10.0954%	3,923
Core capital (leverage) ratio	9.3041%	4,361
Tier 1 risk-based capital ratio	11.3389%	4,743
Total risk-based capital ratio	12.2395%	4,799
Memoranda:
Average total assets	$362,148,500	1,891
Average earning assets	$343,920,750	1,851
Average equity	$37,309,750	2,049
Average total loans	$298,719,750	1,620
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2027%	977
Cost of funding earning assets	1.7290%	167
Net interest margin	3.4737%	3,674
Noninterest income to average assets	1.0198%	844
Noninterest expense to average assets	3.0207%	1,953
Loan and lease loss provision to assets	0.2779%	528
Net operating income to assets	0.7795%	3,721
Return on assets (ROA)	0.7795%	3,789
Pretax return on assets	1.0170%	3,483
Return on Equity (ROE)	7.5099%	3,490
Retained earnings to average equity (ytd only)	7.5099%	1,590
Net charge-offs to loans	0.0799%	1,563
Credit loss provision to net charge-offs	420.6897%	681
Earnings coverage of net charge-offs (x)	19.6034%	1,812
Efficiency ratio	69.9960%	2,226
Assets per employee ($millions)	4.9104%	2,592
Cash dividends to net income (ytd only)*	0.0000%	3,431
Condition Ratios (%)
Loss allowance to loans	0.8846%	4,153
Loan loss allowance to noncurrent loans	285.8556%	1,640
Noncurrent assets plus other real estate owned to assets	0.2574%	3,540
Noncurrent loans to loans	0.3095%	3,438
Net loans and leases to total assets	82.4262%	543
Net loans and leases to deposits	106.0694%	338
Net loans and leases to core deposits	116.7913%	653
Total domestic deposits to total assets	77.7097%	4,452
Equity capital to assets	9.9406%	4,023
Core capital (leverage) ratio	9.7110%	3,924
Tier 1 risk-based capital ratio	11.1049%	4,867
Total risk-based capital ratio	12.0118%	4,922
Memoranda:
Average total assets	$351,241,000	1,932
Average earning assets	$333,247,330	1,896
Average equity	$36,458,330	2,085
Average total loans	$290,354,000	1,656
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0177%	1,293
Cost of funding earning assets	1.5460%	279
Net interest margin	3.4717%	3,675
Noninterest income to average assets	0.9454%	929
Noninterest expense to average assets	3.0529%	1,842
Loan and lease loss provision to assets	0.1695%	986
Net operating income to assets	0.7832%	3,677
Return on assets (ROA)	0.7832%	3,724
Pretax return on assets	1.0095%	3,412
Return on Equity (ROE)	7.3601%	3,526
Retained earnings to average equity (ytd only)	7.3601%	1,900
Net charge-offs to loans	0.1734%	790
Credit loss provision to net charge-offs	118.6441%	1,422
Earnings coverage of net charge-offs (x)	8.2542%	2,091
Efficiency ratio	72.1396%	2,020
Assets per employee ($millions)	4.5332%	3,138
Cash dividends to net income (ytd only)*	0.0000%	2,768
Condition Ratios (%)
Loss allowance to loans	0.8836%	4,222
Loan loss allowance to noncurrent loans	1,071.7300%	566
Noncurrent assets plus other real estate owned to assets	0.1415%	4,098
Noncurrent loans to loans	0.0824%	4,388
Net loans and leases to total assets	81.6272%	631
Net loans and leases to deposits	103.6275%	412
Net loans and leases to core deposits	114.4321%	717
Total domestic deposits to total assets	78.7698%	4,392
Equity capital to assets	10.3441%	3,480
Core capital (leverage) ratio	10.5166%	3,033
Tier 1 risk-based capital ratio	12.0668%	4,422
Total risk-based capital ratio	13.0050%	4,489
Memoranda:
Average total assets	$330,444,500	2,021
Average earning assets	$312,814,500	1,986
Average equity	$35,162,500	2,133
Average total loans	$272,187,000	1,751
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0538%	940
Cost of funding earning assets	1.3426%	183
Net interest margin	3.7112%	2,991
Noninterest income to average assets	1.0624%	828
Noninterest expense to average assets	3.1950%	1,562
Loan and lease loss provision to assets	0.2097%	890
Net operating income to assets	0.8698%	3,537
Return on assets (ROA)	0.8698%	3,531
Pretax return on assets	1.1511%	3,093
Return on Equity (ROE)	8.3226%	3,311
Retained earnings to average equity (ytd only)	8.3226%	1,110
Net charge-offs to loans	0.0578%	2,310
Credit loss provision to net charge-offs	434.0426%	778
Earnings coverage of net charge-offs (x)	28.1702%	1,658
Efficiency ratio	70.1308%	2,155
Assets per employee ($millions)	4.0497%	3,829
Cash dividends to net income (ytd only)*	0.0000%	4,013
Condition Ratios (%)
Loss allowance to loans	0.9801%	3,806
Loan loss allowance to noncurrent loans	1,134.2342%	559
Noncurrent assets plus other real estate owned to assets	0.0712%	4,464
Noncurrent loans to loans	0.0864%	4,361
Net loans and leases to total assets	81.5793%	714
Net loans and leases to deposits	99.1793%	807
Net loans and leases to core deposits	107.0220%	1,193
Total domestic deposits to total assets	82.2544%	3,571
Equity capital to assets	10.9733%	2,714
Core capital (leverage) ratio	9.6789%	3,917
Tier 1 risk-based capital ratio	12.5713%	4,092
Total risk-based capital ratio	13.5917%	4,097
Memoranda:
Average total assets	$291,893,000	2,197
Average earning assets	$274,761,800	2,165
Average equity	$30,507,400	2,306
Average total loans	$244,012,600	1,863
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9703%	990
Cost of funding earning assets	1.2259%	224
Net interest margin	3.7444%	2,849
Noninterest income to average assets	1.0502%	863
Noninterest expense to average assets	3.1080%	1,747
Loan and lease loss provision to assets	0.2844%	529
Net operating income to assets	0.8936%	3,565
Return on assets (ROA)	0.8936%	3,565
Pretax return on assets	1.1780%	3,076
Return on Equity (ROE)	8.6679%	3,255
Retained earnings to average equity (ytd only)	8.6679%	1,355
Net charge-offs to loans	0.0792%	1,727
Credit loss provision to net charge-offs	427.9720%	786
Earnings coverage of net charge-offs (x)	22.0072%	1,899
Efficiency ratio	68.0020%	2,539
Assets per employee ($millions)	4.2270%	3,533
Cash dividends to net income (ytd only)*	0.0000%	3,598
Condition Ratios (%)
Loss allowance to loans	0.9626%	3,990
Loan loss allowance to noncurrent loans	1,324.7368%	469
Noncurrent assets plus other real estate owned to assets	0.0768%	4,589
Noncurrent loans to loans	0.0727%	4,549
Net loans and leases to total assets	79.5618%	1,083
Net loans and leases to deposits	96.7622%	1,072
Net loans and leases to core deposits	103.8707%	1,460
Total domestic deposits to total assets	82.2240%	3,543
Equity capital to assets	10.2612%	3,391
Core capital (leverage) ratio	9.9029%	3,739
Tier 1 risk-based capital ratio	12.2552%	4,346
Total risk-based capital ratio	13.2697%	4,376
Memoranda:
Average total assets	$286,909,000	2,240
Average earning assets	$269,727,500	2,213
Average equity	$29,579,750	2,364
Average total loans	$240,789,250	1,885
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0160%	787
Cost of funding earning assets	1.1345%	250
Net interest margin	3.8816%	2,273
Noninterest income to average assets	1.0582%	864
Noninterest expense to average assets	3.0936%	1,806
Loan and lease loss provision to assets	0.3284%	414
Net operating income to assets	0.9830%	3,097
Return on assets (ROA)	0.9830%	3,102
Pretax return on assets	1.2742%	2,617
Return on Equity (ROE)	9.5171%	2,793
Retained earnings to average equity (ytd only)	9.5171%	1,069
Net charge-offs to loans	0.1240%	1,189
Credit loss provision to net charge-offs	310.3448%	980
Earnings coverage of net charge-offs (x)	15.1448%	2,060
Efficiency ratio	65.8741%	3,006
Assets per employee ($millions)	3.8607%	4,121
Cash dividends to net income (ytd only)*	0.0000%	3,456
Condition Ratios (%)
Loss allowance to loans	0.9523%	4,106
Loan loss allowance to noncurrent loans	1,182.4121%	520
Noncurrent assets plus other real estate owned to assets	0.0935%	4,547
Noncurrent loans to loans	0.0805%	4,550
Net loans and leases to total assets	85.6653%	288
Net loans and leases to deposits	103.4112%	558
Net loans and leases to core deposits	109.6786%	1,021
Total domestic deposits to total assets	82.8395%	3,455
Equity capital to assets	10.4701%	3,155
Core capital (leverage) ratio	9.6758%	3,914
Tier 1 risk-based capital ratio	11.5240%	4,775
Total risk-based capital ratio	12.5347%	4,802
Memoranda:
Average total assets	$274,052,670	2,318
Average earning assets	$256,856,000	2,305
Average equity	$28,307,000	2,455
Average total loans	$233,894,670	1,927
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0342%	649
Cost of funding earning assets	1.1410%	185
Net interest margin	3.8933%	2,070
Noninterest income to average assets	1.1348%	724
Noninterest expense to average assets	3.0272%	1,999
Loan and lease loss provision to assets	0.4026%	280
Net operating income to assets	1.0424%	2,681
Return on assets (ROA)	1.0424%	2,700
Pretax return on assets	1.3585%	2,154
Return on Equity (ROE)	10.1656%	2,348
Retained earnings to average equity (ytd only)	10.1656%	1,112
Net charge-offs to loans	0.2569%	598
Credit loss provision to net charge-offs	184.9315%	1,098
Earnings coverage of net charge-offs (x)	8.0890%	2,050
Efficiency ratio	63.2202%	3,600
Assets per employee ($millions)	3.7671%	4,333
Cash dividends to net income (ytd only)*	0.0000%	2,749
Condition Ratios (%)
Loss allowance to loans	0.9385%	4,266
Loan loss allowance to noncurrent loans	416.6987%	1,268
Noncurrent assets plus other real estate owned to assets	0.2178%	4,008
Noncurrent loans to loans	0.2252%	3,972
Net loans and leases to total assets	83.3299%	506
Net loans and leases to deposits	100.4616%	673
Net loans and leases to core deposits	106.9339%	1,183
Total domestic deposits to total assets	82.9470%	3,683
Equity capital to assets	10.1042%	3,497
Core capital (leverage) ratio	9.0954%	4,573
Tier 1 risk-based capital ratio	11.1522%	5,055
Total risk-based capital ratio	12.1332%	5,099
Memoranda:
Average total assets	$268,233,500	2,383
Average earning assets	$251,717,500	2,362
Average equity	$27,504,500	2,525
Average total loans	$227,296,500	1,982
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0127%	632
Cost of funding earning assets	0.9163%	345
Net interest margin	4.0964%	1,456
Noninterest income to average assets	0.8010%	1,564
Noninterest expense to average assets	3.0675%	1,960
Loan and lease loss provision to assets	0.1585%	1,418
Net operating income to assets	0.8699%	2,865
Return on assets (ROA)	0.8699%	2,888
Pretax return on assets	1.3807%	2,054
Return on Equity (ROE)	8.3853%	2,611
Retained earnings to average equity (ytd only)	8.3853%	650
Net charge-offs to loans	0.0663%	2,525
Credit loss provision to net charge-offs	282.6772%	993
Earnings coverage of net charge-offs (x)	27.4488%	1,636
Efficiency ratio	66.5868%	3,153
Assets per employee ($millions)	4.1503%	3,735
Cash dividends to net income (ytd only)*	0.0000%	4,098
Condition Ratios (%)
Loss allowance to loans	0.9168%	4,384
Loan loss allowance to noncurrent loans	541.5344%	1,032
Noncurrent assets plus other real estate owned to assets	0.2073%	4,101
Noncurrent loans to loans	0.1693%	4,242
Net loans and leases to total assets	84.6064%	384
Net loans and leases to deposits	100.7478%	675
Net loans and leases to core deposits	107.2742%	1,197
Total domestic deposits to total assets	83.9784%	3,217
Equity capital to assets	10.4114%	3,253
Core capital (leverage) ratio	9.9322%	3,539
Tier 1 risk-based capital ratio	11.4752%	4,866
Total risk-based capital ratio	12.4547%	4,911
Memoranda:
Average total assets	$226,472,400	2,667
Average earning assets	$210,404,000	2,661
Average equity	$23,493,400	2,808
Average total loans	$191,613,600	2,230
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7876%	946
Cost of funding earning assets	0.8904%	370
Net interest margin	3.8972%	2,048
Noninterest income to average assets	0.8451%	1,436
Noninterest expense to average assets	2.9401%	2,279
Loan and lease loss provision to assets	0.0863%	2,362
Net operating income to assets	0.9345%	2,857
Return on assets (ROA)	0.9345%	2,915
Pretax return on assets	1.4293%	2,016
Return on Equity (ROE)	9.0183%	2,584
Retained earnings to average equity (ytd only)	9.0183%	830
Net charge-offs to loans	0.0965%	1,813
Credit loss provision to net charge-offs	106.0150%	2,192
Earnings coverage of net charge-offs (x)	18.6089%	2,035
Efficiency ratio	65.9841%	3,213
Assets per employee ($millions)	3.9879%	4,012
Cash dividends to net income (ytd only)*	0.0000%	3,680
Condition Ratios (%)
Loss allowance to loans	0.8847%	4,628
Loan loss allowance to noncurrent loans	542.5595%	968
Noncurrent assets plus other real estate owned to assets	0.2257%	4,159
Noncurrent loans to loans	0.1631%	4,410
Net loans and leases to total assets	85.3567%	303
Net loans and leases to deposits	107.8023%	348
Net loans and leases to core deposits	117.4524%	685
Total domestic deposits to total assets	79.1789%	4,502
Equity capital to assets	10.1995%	3,692
Core capital (leverage) ratio	9.4251%	4,259
Tier 1 risk-based capital ratio	10.9247%	5,288
Total risk-based capital ratio	11.8714%	5,334
Memoranda:
Average total assets	$217,722,500	2,772
Average earning assets	$201,711,250	2,779
Average equity	$22,561,000	2,919
Average total loans	$183,699,750	2,301
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7071%	1,046
Cost of funding earning assets	0.8806%	347
Net interest margin	3.8265%	2,187
Noninterest income to average assets	0.8550%	1,406
Noninterest expense to average assets	2.8755%	2,499
Loan and lease loss provision to assets	0.0522%	2,939
Net operating income to assets	0.9490%	2,667
Return on assets (ROA)	0.9490%	2,722
Pretax return on assets	1.4648%	1,780
Return on Equity (ROE)	9.1040%	2,463
Retained earnings to average equity (ytd only)	9.1040%	810
Net charge-offs to loans	0.2020%	1,000
Credit loss provision to net charge-offs	30.8989%	2,718
Earnings coverage of net charge-offs (x)	8.9719%	2,473
Efficiency ratio	65.4628%	3,441
Assets per employee ($millions)	3.9389%	4,067
Cash dividends to net income (ytd only)*	0.0000%	3,521
Condition Ratios (%)
Loss allowance to loans	0.8831%	4,703
Loan loss allowance to noncurrent loans	415.7248%	1,217
Noncurrent assets plus other real estate owned to assets	0.2859%	3,987
Noncurrent loans to loans	0.2124%	4,272
Net loans and leases to total assets	84.5807%	388
Net loans and leases to deposits	99.4829%	773
Net loans and leases to core deposits	108.8727%	1,058
Total domestic deposits to total assets	85.0203%	2,798
Equity capital to assets	10.6451%	3,177
Core capital (leverage) ratio	9.8009%	3,778
Tier 1 risk-based capital ratio	11.6764%	4,851
Total risk-based capital ratio	12.6395%	4,922
Memoranda:
Average total assets	$210,538,000	2,859
Average earning assets	$194,642,330	2,858
Average equity	$21,946,330	2,976
Average total loans	$176,246,000	2,377
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7078%	929
Cost of funding earning assets	0.8984%	285
Net interest margin	3.8093%	2,085
Noninterest income to average assets	0.6976%	1,985
Noninterest expense to average assets	2.8200%	2,720
Loan and lease loss provision to assets	0.0373%	3,052
Net operating income to assets	0.8764%	2,876
Return on assets (ROA)	0.8764%	2,931
Pretax return on assets	1.3481%	2,068
Return on Equity (ROE)	8.5076%	2,672
Retained earnings to average equity (ytd only)	8.5076%	1,273
Net charge-offs to loans	0.4936%	373
Credit loss provision to net charge-offs	9.1346%	2,230
Earnings coverage of net charge-offs (x)	3.3894%	2,489
Efficiency ratio	67.0561%	3,335
Assets per employee ($millions)	3.7816%	4,370
Cash dividends to net income (ytd only)*	0.0000%	2,824
Condition Ratios (%)
Loss allowance to loans	0.9793%	4,398
Loan loss allowance to noncurrent loans	124.0275%	3,208
Noncurrent assets plus other real estate owned to assets	0.9578%	1,919
Noncurrent loans to loans	0.7896%	2,479
Net loans and leases to total assets	80.5097%	766
Net loans and leases to deposits	90.1043%	1,520
Net loans and leases to core deposits	100.0919%	1,501
Total domestic deposits to total assets	89.3516%	973
Equity capital to assets	10.3928%	3,300
Core capital (leverage) ratio	8.8164%	4,940
Tier 1 risk-based capital ratio	11.2926%	5,144
Total risk-based capital ratio	12.3151%	5,177
Memoranda:
Average total assets	$203,548,500	2,953
Average earning assets	$187,435,500	2,965
Average equity	$20,969,500	3,086
Average total loans	$168,574,000	2,470
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6196%	1,233
Cost of funding earning assets	0.7673%	588
Net interest margin	3.8522%	2,127
Noninterest income to average assets	1.0098%	1,116
Noninterest expense to average assets	3.0984%	2,043
Loan and lease loss provision to assets	0.0701%	2,952
Net operating income to assets	0.8594%	3,032
Return on assets (ROA)	0.8646%	3,115
Pretax return on assets	1.3572%	2,073
Return on Equity (ROE)	7.9224%	2,983
Retained earnings to average equity (ytd only)	7.9224%	880
Net charge-offs to loans	0.0151%	3,790
Credit loss provision to net charge-offs	560.8696%	603
Earnings coverage of net charge-offs (x)	113.4783%	537
Efficiency ratio	67.6336%	3,317
Assets per employee ($millions)	4.0578%	3,852
Cash dividends to net income (ytd only)*	0.0000%	4,198
Condition Ratios (%)
Loss allowance to loans	1.0607%	3,949
Loan loss allowance to noncurrent loans	159.3503%	2,686
Noncurrent assets plus other real estate owned to assets	0.8842%	2,138
Noncurrent loans to loans	0.6656%	2,863
Net loans and leases to total assets	83.4446%	440
Net loans and leases to deposits	99.6539%	689
Net loans and leases to core deposits	111.1389%	825
Total domestic deposits to total assets	83.7344%	3,526
Equity capital to assets	10.2106%	3,481
Core capital (leverage) ratio	8.9589%	4,786
Tier 1 risk-based capital ratio	10.9292%	5,378
Total risk-based capital ratio	12.0619%	5,331
Memoranda:
Average total assets	$183,903,200	3,123
Average earning assets	$167,461,800	3,145
Average equity	$20,069,800	3,165
Average total loans	$152,722,600	2,606
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6135%	1,266
Cost of funding earning assets	0.7507%	633
Net interest margin	3.8627%	2,107
Noninterest income to average assets	1.0233%	1,097
Noninterest expense to average assets	3.1592%	1,879
Loan and lease loss provision to assets	0.0268%	3,707
Net operating income to assets	0.8606%	3,096
Return on assets (ROA)	0.8677%	3,184
Pretax return on assets	1.3559%	2,212
Return on Equity (ROE)	7.8090%	3,113
Retained earnings to average equity (ytd only)	7.8090%	1,249
Net charge-offs to loans	-0.0846%	5,513
Credit loss provision to net charge-offs	-38.2979%	4,667
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	68.4297%	3,151
Assets per employee ($millions)	3.8215%	4,268
Cash dividends to net income (ytd only)*	0.0000%	3,760
Condition Ratios (%)
Loss allowance to loans	1.1202%	3,733
Loan loss allowance to noncurrent loans	150.4910%	2,780
Noncurrent assets plus other real estate owned to assets	0.9708%	2,131
Noncurrent loans to loans	0.7444%	2,811
Net loans and leases to total assets	83.2878%	481
Net loans and leases to deposits	106.7168%	353
Net loans and leases to core deposits	117.6803%	586
Total domestic deposits to total assets	78.0456%	4,906
Equity capital to assets	10.5414%	3,519
Core capital (leverage) ratio	9.4615%	4,231
Tier 1 risk-based capital ratio	10.8577%	5,449
Total risk-based capital ratio	12.0262%	5,395
Memoranda:
Average total assets	$179,157,000	3,187
Average earning assets	$162,679,500	3,208
Average equity	$19,908,250	3,201
Average total loans	$148,124,750	2,672
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6120%	1,245
Cost of funding earning assets	0.7515%	623
Net interest margin	3.8605%	2,107
Noninterest income to average assets	1.0109%	1,091
Noninterest expense to average assets	3.2523%	1,692
Loan and lease loss provision to assets	0.0104%	3,886
Net operating income to assets	0.7675%	3,466
Return on assets (ROA)	0.7786%	3,555
Pretax return on assets	1.2570%	2,577
Return on Equity (ROE)	6.8745%	3,618
Retained earnings to average equity (ytd only)	6.8745%	1,681
Net charge-offs to loans	-0.0056%	4,556
Credit loss provision to net charge-offs	-225.0000%	4,741
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.7280%	2,870
Assets per employee ($millions)	3.6952%	4,450
Cash dividends to net income (ytd only)*	0.0000%	3,619
Condition Ratios (%)
Loss allowance to loans	1.1322%	3,771
Loan loss allowance to noncurrent loans	104.6173%	3,611
Noncurrent assets plus other real estate owned to assets	1.2557%	1,629
Noncurrent loans to loans	1.0823%	2,126
Net loans and leases to total assets	81.3848%	697
Net loans and leases to deposits	100.9249%	632
Net loans and leases to core deposits	112.4115%	793
Total domestic deposits to total assets	80.6390%	4,379
Equity capital to assets	10.8748%	3,198
Core capital (leverage) ratio	9.6922%	3,937
Tier 1 risk-based capital ratio	11.5693%	5,106
Total risk-based capital ratio	12.7704%	5,024
Memoranda:
Average total assets	$173,909,670	3,267
Average earning assets	$157,284,670	3,309
Average equity	$19,696,000	3,234
Average total loans	$142,777,670	2,742
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7166%	1,012
Cost of funding earning assets	0.7568%	613
Net interest margin	3.9598%	1,741
Noninterest income to average assets	0.9401%	1,209
Noninterest expense to average assets	3.3403%	1,507
Loan and lease loss provision to assets	0.0214%	3,404
Net operating income to assets	0.7409%	3,531
Return on assets (ROA)	0.7455%	3,613
Pretax return on assets	1.1633%	2,840
Return on Equity (ROE)	6.4417%	3,760
Retained earnings to average equity (ytd only)	6.4417%	2,171
Net charge-offs to loans	-0.0058%	4,338
Credit loss provision to net charge-offs	-450.0000%	4,527
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.4120%	2,739
Assets per employee ($millions)	3.3360%	5,074
Cash dividends to net income (ytd only)*	0.0000%	2,863
Condition Ratios (%)
Loss allowance to loans	1.2358%	3,276
Loan loss allowance to noncurrent loans	150.6130%	2,760
Noncurrent assets plus other real estate owned to assets	1.0721%	2,061
Noncurrent loans to loans	0.8205%	2,786
Net loans and leases to total assets	80.7960%	710
Net loans and leases to deposits	98.2363%	741
Net loans and leases to core deposits	105.1648%	1,128
Total domestic deposits to total assets	82.2466%	4,132
Equity capital to assets	11.5584%	2,388
Core capital (leverage) ratio	9.7790%	3,804
Tier 1 risk-based capital ratio	12.0194%	4,902
Total risk-based capital ratio	13.2691%	4,817
Memoranda:
Average total assets	$168,485,500	3,351
Average earning assets	$152,229,000	3,387
Average equity	$19,498,000	3,256
Average total loans	$138,123,000	2,820
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6883%	1,131
Cost of funding earning assets	0.6715%	952
Net interest margin	4.0168%	1,661
Noninterest income to average assets	1.0812%	1,004
Noninterest expense to average assets	3.4356%	1,423
Loan and lease loss provision to assets	0.0127%	4,154
Net operating income to assets	0.8017%	3,329
Return on assets (ROA)	0.8034%	3,404
Pretax return on assets	1.2162%	2,604
Return on Equity (ROE)	6.7752%	3,632
Retained earnings to average equity (ytd only)	6.7752%	1,388
Net charge-offs to loans	-0.0165%	5,228
Credit loss provision to net charge-offs	-95.2381%	5,137
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.0892%	2,898
Assets per employee ($millions)	3.1478%	5,362
Cash dividends to net income (ytd only)*	0.0000%	4,258
Condition Ratios (%)
Loss allowance to loans	1.2469%	3,194
Loan loss allowance to noncurrent loans	149.7809%	2,816
Noncurrent assets plus other real estate owned to assets	1.1442%	1,909
Noncurrent loans to loans	0.8325%	2,707
Net loans and leases to total assets	81.1305%	690
Net loans and leases to deposits	103.2425%	481
Net loans and leases to core deposits	109.6525%	873
Total domestic deposits to total assets	78.5824%	5,054
Equity capital to assets	11.5869%	2,292
Core capital (leverage) ratio	9.9947%	3,520
Tier 1 risk-based capital ratio	11.9618%	4,974
Total risk-based capital ratio	13.2122%	4,878
Memoranda:
Average total assets	$157,700,800	3,461
Average earning assets	$140,585,400	3,532
Average equity	$18,700,600	3,295
Average total loans	$127,155,600	2,930
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5415%	1,482
Cost of funding earning assets	0.6638%	1,005
Net interest margin	3.8777%	2,106
Noninterest income to average assets	1.2740%	735
Noninterest expense to average assets	3.4272%	1,421
Loan and lease loss provision to assets	0.0000%	4,232
Net operating income to assets	0.8282%	3,289
Return on assets (ROA)	0.8304%	3,365
Pretax return on assets	1.2980%	2,408
Return on Equity (ROE)	6.9602%	3,646
Retained earnings to average equity (ytd only)	6.9602%	1,710
Net charge-offs to loans	-0.1679%	5,948
Credit loss provision to net charge-offs	0.0000%	3,517
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.9847%	3,049
Assets per employee ($millions)	3.0295%	5,511
Cash dividends to net income (ytd only)*	0.0000%	3,801
Condition Ratios (%)
Loss allowance to loans	1.3843%	2,681
Loan loss allowance to noncurrent loans	123.5613%	3,190
Noncurrent assets plus other real estate owned to assets	1.3827%	1,666
Noncurrent loans to loans	1.1203%	2,262
Net loans and leases to total assets	80.9717%	702
Net loans and leases to deposits	106.7573%	341
Net loans and leases to core deposits	114.3499%	653
Total domestic deposits to total assets	75.8466%	5,512
Equity capital to assets	11.8665%	2,201
Core capital (leverage) ratio	9.9230%	3,740
Tier 1 risk-based capital ratio	12.5606%	4,715
Total risk-based capital ratio	13.8130%	4,611
Memoranda:
Average total assets	$155,417,250	3,522
Average earning assets	$138,188,750	3,600
Average equity	$18,543,000	3,340
Average total loans	$124,678,750	3,002
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4850%	1,583
Cost of funding earning assets	0.6495%	1,111
Net interest margin	3.8355%	2,187
Noninterest income to average assets	1.1802%	869
Noninterest expense to average assets	3.3155%	1,655
Loan and lease loss provision to assets	0.0000%	4,069
Net operating income to assets	0.8015%	3,377
Return on assets (ROA)	0.8015%	3,471
Pretax return on assets	1.2687%	2,475
Return on Equity (ROE)	6.7055%	3,781
Retained earnings to average equity (ytd only)	6.7055%	1,843
Net charge-offs to loans	-0.0065%	4,806
Credit loss provision to net charge-offs	0.0000%	3,158
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.6500%	3,229
Assets per employee ($millions)	3.0944%	5,480
Cash dividends to net income (ytd only)*	0.0000%	3,641
Condition Ratios (%)
Loss allowance to loans	1.2659%	3,423
Loan loss allowance to noncurrent loans	124.6831%	3,197
Noncurrent assets plus other real estate owned to assets	1.2989%	1,933
Noncurrent loans to loans	1.0153%	2,615
Net loans and leases to total assets	81.0443%	666
Net loans and leases to deposits	107.2233%	327
Net loans and leases to core deposits	114.8678%	632
Total domestic deposits to total assets	75.5847%	5,647
Equity capital to assets	11.6048%	2,328
Core capital (leverage) ratio	10.1717%	3,371
Tier 1 risk-based capital ratio	12.7079%	4,677
Total risk-based capital ratio	13.9589%	4,601
Memoranda:
Average total assets	$153,702,670	3,567
Average earning assets	$136,409,670	3,653
Average equity	$18,373,000	3,374
Average total loans	$122,293,670	3,047
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5592%	1,310
Cost of funding earning assets	0.6543%	1,088
Net interest margin	3.9049%	1,883
Noninterest income to average assets	1.0127%	1,092
Noninterest expense to average assets	3.1765%	2,041
Loan and lease loss provision to assets	0.0000%	3,703
Net operating income to assets	0.7622%	3,469
Return on assets (ROA)	0.7622%	3,606
Pretax return on assets	1.3031%	2,270
Return on Equity (ROE)	6.2778%	3,884
Retained earnings to average equity (ytd only)	6.2778%	2,342
Net charge-offs to loans	-0.0068%	4,585
Credit loss provision to net charge-offs	0.0000%	2,491
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.1850%	3,625
Assets per employee ($millions)	3.1456%	5,484
Cash dividends to net income (ytd only)*	0.0000%	2,870
Condition Ratios (%)
Loss allowance to loans	1.4029%	2,905
Loan loss allowance to noncurrent loans	119.2006%	3,283
Noncurrent assets plus other real estate owned to assets	1.3988%	1,898
Noncurrent loans to loans	1.1769%	2,424
Net loans and leases to total assets	76.1484%	1,188
Net loans and leases to deposits	91.6029%	1,231
Net loans and leases to core deposits	98.5226%	1,427
Total domestic deposits to total assets	83.1287%	4,142
Equity capital to assets	11.9210%	2,084
Core capital (leverage) ratio	10.0718%	3,507
Tier 1 risk-based capital ratio	14.4418%	3,754
Total risk-based capital ratio	15.6962%	3,675
Memoranda:
Average total assets	$150,100,500	3,652
Average earning assets	$133,268,000	3,732
Average equity	$18,223,000	3,417
Average total loans	$117,401,500	3,137
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8240%	1,063
Cost of funding earning assets	0.5929%	1,827
Net interest margin	4.2311%	1,217
Noninterest income to average assets	1.2198%	805
Noninterest expense to average assets	3.4143%	1,667
Loan and lease loss provision to assets	0.0812%	2,856
Net operating income to assets	0.9028%	2,857
Return on assets (ROA)	0.8966%	2,979
Pretax return on assets	1.4186%	1,820
Return on Equity (ROE)	6.8969%	3,694
Retained earnings to average equity (ytd only)	6.8969%	1,449
Net charge-offs to loans	-0.0189%	5,690
Credit loss provision to net charge-offs	-545.0000%	5,805
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.5590%	3,971
Assets per employee ($millions)	3.0431%	5,642
Cash dividends to net income (ytd only)*	0.0000%	4,317
Condition Ratios (%)
Loss allowance to loans	1.4409%	2,736
Loan loss allowance to noncurrent loans	112.0215%	3,460
Noncurrent assets plus other real estate owned to assets	1.5404%	1,761
Noncurrent loans to loans	1.2862%	2,301
Net loans and leases to total assets	78.1110%	985
Net loans and leases to deposits	103.0994%	473
Net loans and leases to core deposits	111.3479%	717
Total domestic deposits to total assets	75.7628%	5,772
Equity capital to assets	12.3722%	1,723
Core capital (leverage) ratio	10.5752%	2,872
Tier 1 risk-based capital ratio	14.4343%	3,811
Total risk-based capital ratio	15.6903%	3,747
Memoranda:
Average total assets	$134,287,200	3,899
Average earning assets	$117,558,200	4,017
Average equity	$17,457,000	3,462
Average total loans	$105,765,400	3,309
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8984%	931
Cost of funding earning assets	0.5898%	1,928
Net interest margin	4.3086%	1,034
Noninterest income to average assets	1.2243%	810
Noninterest expense to average assets	3.4271%	1,597
Loan and lease loss provision to assets	0.0101%	4,222
Net operating income to assets	0.9491%	2,690
Return on assets (ROA)	0.9634%	2,702
Pretax return on assets	1.5694%	1,423
Return on Equity (ROE)	7.3125%	3,548
Retained earnings to average equity (ytd only)	7.3125%	1,664
Net charge-offs to loans	-0.0168%	5,570
Credit loss provision to net charge-offs	-76.9231%	5,409
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	66.9450%	4,058
Assets per employee ($millions)	2.8538%	5,908
Cash dividends to net income (ytd only)*	0.0000%	3,806
Condition Ratios (%)
Loss allowance to loans	1.4219%	3,072
Loan loss allowance to noncurrent loans	82.3405%	4,121
Noncurrent assets plus other real estate owned to assets	1.9799%	1,457
Noncurrent loans to loans	1.7269%	1,880
Net loans and leases to total assets	79.0553%	826
Net loans and leases to deposits	105.6034%	348
Net loans and leases to core deposits	114.2673%	580
Total domestic deposits to total assets	74.8606%	5,935
Equity capital to assets	12.9953%	1,425
Core capital (leverage) ratio	10.7000%	2,818
Tier 1 risk-based capital ratio	15.4864%	3,332
Total risk-based capital ratio	16.7353%	3,271
Memoranda:
Average total assets	$131,341,750	3,980
Average earning assets	$114,620,000	4,116
Average equity	$17,303,250	3,497
Average total loans	$103,265,750	3,383
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9330%	851
Cost of funding earning assets	0.5895%	1,982
Net interest margin	4.3435%	951
Noninterest income to average assets	1.0737%	1,034
Noninterest expense to average assets	3.3400%	1,820
Loan and lease loss provision to assets	0.0154%	3,955
Net operating income to assets	0.9305%	2,652
Return on assets (ROA)	0.9424%	2,687
Pretax return on assets	1.5155%	1,493
Return on Equity (ROE)	7.1190%	3,563
Retained earnings to average equity (ytd only)	7.1190%	1,708
Net charge-offs to loans	-0.0198%	5,542
Credit loss provision to net charge-offs	-100.0000%	5,253
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	66.9532%	4,207
Assets per employee ($millions)	2.9512%	5,819
Cash dividends to net income (ytd only)*	0.0000%	3,638
Condition Ratios (%)
Loss allowance to loans	1.5125%	2,840
Loan loss allowance to noncurrent loans	109.2502%	3,434
Noncurrent assets plus other real estate owned to assets	1.7206%	1,899
Noncurrent loans to loans	1.3845%	2,488
Net loans and leases to total assets	76.4376%	1,110
Net loans and leases to deposits	103.7817%	371
Net loans and leases to core deposits	114.0660%	534
Total domestic deposits to total assets	73.6523%	6,141
Equity capital to assets	13.1546%	1,289
Core capital (leverage) ratio	11.0441%	2,379
Tier 1 risk-based capital ratio	15.2301%	3,506
Total risk-based capital ratio	16.4867%	3,452
Memoranda:
Average total assets	$129,462,330	4,043
Average earning assets	$112,628,330	4,173
Average equity	$17,137,330	3,527
Average total loans	$101,070,330	3,436
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9656%	768
Cost of funding earning assets	0.5924%	2,046
Net interest margin	4.3732%	855
Noninterest income to average assets	0.9422%	1,276
Noninterest expense to average assets	3.1865%	2,276
Loan and lease loss provision to assets	0.0313%	3,411
Net operating income to assets	0.9766%	2,293
Return on assets (ROA)	0.9766%	2,358
Pretax return on assets	1.5369%	1,317
Return on Equity (ROE)	7.3537%	3,285
Retained earnings to average equity (ytd only)	7.3537%	1,882
Net charge-offs to loans	-0.0080%	4,956
Credit loss provision to net charge-offs	-500.0000%	5,177
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	65.1086%	4,671
Assets per employee ($millions)	3.1058%	5,678
Cash dividends to net income (ytd only)*	0.0000%	2,852
Condition Ratios (%)
Loss allowance to loans	1.5646%	2,863
Loan loss allowance to noncurrent loans	106.6713%	3,453
Noncurrent assets plus other real estate owned to assets	2.1353%	1,572
Noncurrent loans to loans	1.4667%	2,591
Net loans and leases to total assets	76.6329%	927
Net loans and leases to deposits	98.7432%	505
Net loans and leases to core deposits	108.6587%	646
Total domestic deposits to total assets	77.6082%	5,888
Equity capital to assets	13.4572%	1,112
Core capital (leverage) ratio	10.9063%	2,481
Tier 1 risk-based capital ratio	15.2341%	3,590
Total risk-based capital ratio	16.4911%	3,537
Memoranda:
Average total assets	$127,791,000	4,112
Average earning assets	$111,405,500	4,236
Average equity	$16,971,000	3,556
Average total loans	$100,069,500	3,470
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2061%	631
Cost of funding earning assets	0.6027%	2,633
Net interest margin	4.6034%	608
Noninterest income to average assets	1.4200%	693
Noninterest expense to average assets	3.6712%	1,336
Loan and lease loss provision to assets	0.4079%	730
Net operating income to assets	0.9366%	2,617
Return on assets (ROA)	0.9273%	2,735
Pretax return on assets	1.2892%	2,202
Return on Equity (ROE)	7.0421%	3,541
Retained earnings to average equity (ytd only)	7.0421%	1,420
Net charge-offs to loans	0.5928%	1,113
Credit loss provision to net charge-offs	89.3805%	2,783
Earnings coverage of net charge-offs (x)	3.7469%	3,758
Efficiency ratio	66.4515%	4,479
Assets per employee ($millions)	3.0535%	5,755
Cash dividends to net income (ytd only)*	0.0000%	4,285
Condition Ratios (%)
Loss allowance to loans	1.5237%	3,075
Loan loss allowance to noncurrent loans	103.9163%	3,529
Noncurrent assets plus other real estate owned to assets	2.2816%	1,549
Noncurrent loans to loans	1.4662%	2,689
Net loans and leases to total assets	77.5601%	877
Net loans and leases to deposits	102.3702%	382
Net loans and leases to core deposits	112.3527%	521
Total domestic deposits to total assets	75.7644%	6,114
Equity capital to assets	13.1046%	1,227
Core capital (leverage) ratio	10.7215%	2,655
Tier 1 risk-based capital ratio	15.0883%	3,619
Total risk-based capital ratio	16.3368%	3,559
Memoranda:
Average total assets	$123,801,200	4,188
Average earning assets	$106,528,800	4,351
Average equity	$16,302,000	3,654
Average total loans	$95,306,000	3,570
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1965%	652
Cost of funding earning assets	0.6044%	2,773
Net interest margin	4.5921%	628
Noninterest income to average assets	1.5866%	582
Noninterest expense to average assets	3.7231%	1,216
Loan and lease loss provision to assets	0.3456%	940
Net operating income to assets	0.9661%	2,516
Return on assets (ROA)	0.9661%	2,617
Pretax return on assets	1.4562%	1,741
Return on Equity (ROE)	7.3275%	3,473
Retained earnings to average equity (ytd only)	7.3275%	1,719
Net charge-offs to loans	0.2159%	2,533
Credit loss provision to net charge-offs	209.2105%	1,159
Earnings coverage of net charge-offs (x)	10.9080%	2,301
Efficiency ratio	65.6570%	4,551
Assets per employee ($millions)	2.9347%	5,951
Cash dividends to net income (ytd only)*	0.0000%	3,738
Condition Ratios (%)
Loss allowance to loans	1.8740%	2,077
Loan loss allowance to noncurrent loans	114.8341%	3,133
Noncurrent assets plus other real estate owned to assets	2.6653%	1,415
Noncurrent loans to loans	1.6319%	2,728
Net loans and leases to total assets	76.8081%	894
Net loans and leases to deposits	96.9443%	629
Net loans and leases to core deposits	105.7693%	772
Total domestic deposits to total assets	79.2291%	5,691
Equity capital to assets	13.7606%	1,034
Core capital (leverage) ratio	11.2047%	2,296
Tier 1 risk-based capital ratio	15.3726%	3,526
Total risk-based capital ratio	16.6445%	3,475
Memoranda:
Average total assets	$122,690,250	4,260
Average earning assets	$105,221,000	4,423
Average equity	$16,176,000	3,713
Average total loans	$93,881,000	3,625
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1221%	741
Cost of funding earning assets	0.6056%	2,889
Net interest margin	4.5165%	690
Noninterest income to average assets	1.6408%	600
Noninterest expense to average assets	3.6929%	1,257
Loan and lease loss provision to assets	0.4065%	759
Net operating income to assets	0.9475%	2,581
Return on assets (ROA)	0.9475%	2,729
Pretax return on assets	1.4189%	1,863
Return on Equity (ROE)	7.2902%	3,451
Retained earnings to average equity (ytd only)	7.2902%	1,752
Net charge-offs to loans	0.2367%	2,301
Credit loss provision to net charge-offs	226.1261%	1,087
Earnings coverage of net charge-offs (x)	10.1532%	2,183
Efficiency ratio	65.1893%	4,679
Assets per employee ($millions)	3.0196%	5,816
Cash dividends to net income (ytd only)*	0.0000%	3,522
Condition Ratios (%)
Loss allowance to loans	1.8700%	2,195
Loan loss allowance to noncurrent loans	100.4042%	3,448
Noncurrent assets plus other real estate owned to assets	2.8828%	1,424
Noncurrent loans to loans	1.8625%	2,544
Net loans and leases to total assets	73.7104%	1,301
Net loans and leases to deposits	91.0792%	1,043
Net loans and leases to core deposits	99.2021%	1,132
Total domestic deposits to total assets	80.9300%	5,356
Equity capital to assets	13.1048%	1,306
Core capital (leverage) ratio	11.0541%	2,303
Tier 1 risk-based capital ratio	15.3576%	3,558
Total risk-based capital ratio	16.6303%	3,507
Memoranda:
Average total assets	$123,479,670	4,267
Average earning assets	$106,011,000	4,434
Average equity	$16,049,000	3,766
Average total loans	$93,780,670	3,639
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3576%	456
Cost of funding earning assets	0.6239%	2,888
Net interest margin	4.7338%	449
Noninterest income to average assets	1.6348%	582
Noninterest expense to average assets	3.6296%	1,369
Loan and lease loss provision to assets	0.5839%	439
Net operating income to assets	1.0509%	2,031
Return on assets (ROA)	1.0509%	2,140
Pretax return on assets	1.4823%	1,611
Return on Equity (ROE)	8.1195%	2,909
Retained earnings to average equity (ytd only)	8.1195%	1,705
Net charge-offs to loans	0.1614%	2,434
Credit loss provision to net charge-offs	473.6842%	557
Earnings coverage of net charge-offs (x)	16.7632%	1,352
Efficiency ratio	62.0159%	5,300
Assets per employee ($millions)	2.7699%	6,325
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	1.9474%	2,185
Loan loss allowance to noncurrent loans	93.4013%	3,547
Noncurrent assets plus other real estate owned to assets	3.0796%	1,443
Noncurrent loans to loans	2.0849%	2,524
Net loans and leases to total assets	73.5994%	1,134
Net loans and leases to deposits	89.7680%	992
Net loans and leases to core deposits	97.8098%	1,089
Total domestic deposits to total assets	81.9885%	5,192
Equity capital to assets	13.5290%	1,205
Core capital (leverage) ratio	10.7413%	2,506
Tier 1 risk-based capital ratio	14.7160%	4,025
Total risk-based capital ratio	15.9873%	3,977
Memoranda:
Average total assets	$123,318,500	4,324
Average earning assets	$105,793,000	4,479
Average equity	$15,961,500	3,826
Average total loans	$94,174,000	3,647
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.0322%	251
Cost of funding earning assets	0.9057%	1,906
Net interest margin	5.1265%	312
Noninterest income to average assets	1.0408%	1,434
Noninterest expense to average assets	3.8083%	1,239
Loan and lease loss provision to assets	0.6531%	818
Net operating income to assets	0.6060%	4,212
Return on assets (ROA)	0.6401%	4,297
Pretax return on assets	0.9341%	3,795
Return on Equity (ROE)	4.7843%	4,793
Retained earnings to average equity (ytd only)	4.7843%	2,860
Net charge-offs to loans	0.6270%	1,871
Credit loss provision to net charge-offs	137.1585%	2,018
Earnings coverage of net charge-offs (x)	3.2295%	3,817
Efficiency ratio	69.3219%	3,924
Assets per employee ($millions)	3.3561%	5,314
Cash dividends to net income (ytd only)*	0.0000%	4,298
Condition Ratios (%)
Loss allowance to loans	1.6160%	3,237
Loan loss allowance to noncurrent loans	97.5000%	3,391
Noncurrent assets plus other real estate owned to assets	2.7578%	1,745
Noncurrent loans to loans	1.6575%	3,140
Net loans and leases to total assets	76.3318%	874
Net loans and leases to deposits	94.1724%	738
Net loans and leases to core deposits	101.5491%	916
Total domestic deposits to total assets	81.0554%	5,386
Equity capital to assets	12.3963%	1,791
Core capital (leverage) ratio	9.8038%	3,653
Tier 1 risk-based capital ratio	13.0298%	5,085
Total risk-based capital ratio	14.2707%	5,032
Memoranda:
Average total assets	$115,301,400	4,457
Average earning assets	$96,830,800	4,667
Average equity	$15,425,600	3,872
Average total loans	$87,557,200	3,812
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.2183%	202
Cost of funding earning assets	0.9593%	1,790
Net interest margin	5.2590%	270
Noninterest income to average assets	0.7780%	2,342
Noninterest expense to average assets	3.7619%	1,273
Loan and lease loss provision to assets	0.4490%	1,400
Net operating income to assets	0.6454%	4,169
Return on assets (ROA)	0.6664%	4,328
Pretax return on assets	0.9871%	3,764
Return on Equity (ROE)	4.8793%	4,879
Retained earnings to average equity (ytd only)	4.8793%	3,454
Net charge-offs to loans	0.3762%	2,593
Credit loss provision to net charge-offs	158.1590%	1,772
Earnings coverage of net charge-offs (x)	4.9498%	3,155
Efficiency ratio	70.7586%	3,544
Assets per employee ($millions)	3.1001%	5,851
Cash dividends to net income (ytd only)*	0.0000%	3,713
Condition Ratios (%)
Loss allowance to loans	1.6995%	3,156
Loan loss allowance to noncurrent loans	131.7869%	2,548
Noncurrent assets plus other real estate owned to assets	2.6037%	2,027
Noncurrent loans to loans	1.2896%	3,889
Net loans and leases to total assets	73.3861%	1,337
Net loans and leases to deposits	96.6609%	619
Net loans and leases to core deposits	108.7302%	618
Total domestic deposits to total assets	75.9212%	6,389
Equity capital to assets	12.9534%	1,610
Core capital (leverage) ratio	10.4758%	2,942
Tier 1 risk-based capital ratio	13.5541%	4,848
Total risk-based capital ratio	14.6461%	4,909
Memoranda:
Average total assets	$112,244,250	4,578
Average earning assets	$93,677,750	4,805
Average equity	$15,329,750	3,927
Average total loans	$84,710,250	3,929
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.2456%	203
Cost of funding earning assets	1.0042%	1,740
Net interest margin	5.2414%	269
Noninterest income to average assets	0.6895%	2,721
Noninterest expense to average assets	3.8552%	1,136
Loan and lease loss provision to assets	0.3731%	1,755
Net operating income to assets	0.5578%	4,549
Return on assets (ROA)	0.5578%	4,829
Pretax return on assets	0.8138%	4,430
Return on Equity (ROE)	4.0081%	5,259
Retained earnings to average equity (ytd only)	4.0081%	3,940
Net charge-offs to loans	0.1738%	3,558
Credit loss provision to net charge-offs	283.3333%	1,034
Earnings coverage of net charge-offs (x)	9.0139%	2,214
Efficiency ratio	74.3199%	3,026
Assets per employee ($millions)	2.9196%	6,206
Cash dividends to net income (ytd only)*	0.0000%	3,523
Condition Ratios (%)
Loss allowance to loans	1.8162%	2,796
Loan loss allowance to noncurrent loans	92.9963%	3,399
Noncurrent assets plus other real estate owned to assets	3.1728%	1,718
Noncurrent loans to loans	1.9530%	3,000
Net loans and leases to total assets	74.4076%	1,194
Net loans and leases to deposits	95.8379%	644
Net loans and leases to core deposits	108.4657%	642
Total domestic deposits to total assets	77.6390%	6,223
Equity capital to assets	13.8882%	1,148
Core capital (leverage) ratio	10.4967%	2,801
Tier 1 risk-based capital ratio	13.7543%	4,623
Total risk-based capital ratio	15.0201%	4,584
Memoranda:
Average total assets	$109,358,000	4,685
Average earning assets	$90,815,670	4,907
Average equity	$15,219,330	3,941
Average total loans	$82,860,330	4,016
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.2608%	216
Cost of funding earning assets	1.0279%	1,827
Net interest margin	5.2329%	282
Noninterest income to average assets	0.5821%	3,342
Noninterest expense to average assets	3.9571%	984
Loan and lease loss provision to assets	0.3758%	1,680
Net operating income to assets	0.3795%	5,353
Return on assets (ROA)	0.3795%	5,539
Pretax return on assets	0.5821%	5,173
Return on Equity (ROE)	2.7240%	5,822
Retained earnings to average equity (ytd only)	2.7240%	4,896
Net charge-offs to loans	0.3745%	2,182
Credit loss provision to net charge-offs	132.4675%	1,843
Earnings coverage of net charge-offs (x)	3.3766%	2,860
Efficiency ratio	78.2609%	2,459
Assets per employee ($millions)	3.0595%	6,044
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	1.6862%	3,403
Loan loss allowance to noncurrent loans	70.9291%	4,004
Noncurrent assets plus other real estate owned to assets	3.4408%	1,674
Noncurrent loans to loans	2.3773%	2,728
Net loans and leases to total assets	73.1396%	1,199
Net loans and leases to deposits	94.9179%	606
Net loans and leases to core deposits	111.9201%	473
Total domestic deposits to total assets	77.0557%	6,397
Equity capital to assets	13.4028%	1,272
Core capital (leverage) ratio	10.1348%	3,195
Tier 1 risk-based capital ratio	12.9154%	5,270
Total risk-based capital ratio	14.1782%	5,240
Memoranda:
Average total assets	$108,565,500	4,738
Average earning assets	$89,892,500	4,973
Average equity	$15,125,000	3,964
Average total loans	$82,252,000	4,059
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1936%	307
Cost of funding earning assets	1.2823%	1,569
Net interest margin	4.9113%	490
Noninterest income to average assets	0.8248%	1,949
Noninterest expense to average assets	4.5281%	578
Loan and lease loss provision to assets	0.7980%	1,239
Net operating income to assets	0.1982%	5,595
Return on assets (ROA)	0.1988%	5,725
Pretax return on assets	-0.3861%	6,413
Return on Equity (ROE)	1.3857%	5,867
Retained earnings to average equity (ytd only)	1.3857%	5,197
Net charge-offs to loans	1.3690%	1,200
Credit loss provision to net charge-offs	77.9645%	4,552
Earnings coverage of net charge-offs (x)	0.4015%	5,519
Efficiency ratio	89.3963%	1,237
Assets per employee ($millions)	2.8089%	6,445
Cash dividends to net income (ytd only)*	0.0000%	4,078
Condition Ratios (%)
Loss allowance to loans	1.7375%	3,066
Loan loss allowance to noncurrent loans	73.9269%	3,897
Noncurrent assets plus other real estate owned to assets	3.5831%	1,643
Noncurrent loans to loans	2.3502%	2,791
Net loans and leases to total assets	75.9109%	962
Net loans and leases to deposits	97.3243%	602
Net loans and leases to core deposits	116.7587%	427
Total domestic deposits to total assets	77.9979%	6,195
Equity capital to assets	14.5077%	898
Core capital (leverage) ratio	10.3612%	2,895
Tier 1 risk-based capital ratio	13.5761%	4,638
Total risk-based capital ratio	14.8456%	4,597
Memoranda:
Average total assets	$104,634,600	4,772
Average earning assets	$87,654,800	4,999
Average equity	$15,010,400	3,903
Average total loans	$78,231,000	4,207
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1426%	367
Cost of funding earning assets	1.3478%	1,463
Net interest margin	4.7948%	631
Noninterest income to average assets	0.8459%	1,856
Noninterest expense to average assets	4.7602%	458
Loan and lease loss provision to assets	0.5534%	1,775
Net operating income to assets	0.3019%	5,387
Return on assets (ROA)	0.3028%	5,559
Pretax return on assets	-0.4478%	6,592
Return on Equity (ROE)	2.1165%	5,737
Retained earnings to average equity (ytd only)	2.1165%	5,080
Net charge-offs to loans	0.6742%	2,224
Credit loss provision to net charge-offs	110.6870%	2,978
Earnings coverage of net charge-offs (x)	0.2086%	5,442
Efficiency ratio	95.5544%	842
Assets per employee ($millions)	2.7792%	6,522
Cash dividends to net income (ytd only)*	0.0000%	3,512
Condition Ratios (%)
Loss allowance to loans	2.1058%	2,049
Loan loss allowance to noncurrent loans	87.9138%	3,300
Noncurrent assets plus other real estate owned to assets	3.6536%	1,721
Noncurrent loans to loans	2.3953%	2,896
Net loans and leases to total assets	75.6328%	1,033
Net loans and leases to deposits	100.6523%	442
Net loans and leases to core deposits	121.8245%	343
Total domestic deposits to total assets	75.1427%	6,624
Equity capital to assets	14.6969%	930
Core capital (leverage) ratio	10.8401%	2,532
Tier 1 risk-based capital ratio	14.1402%	4,243
Total risk-based capital ratio	15.4152%	4,196
Memoranda:
Average total assets	$104,810,500	4,794
Average earning assets	$87,843,250	5,035
Average equity	$14,993,500	3,925
Average total loans	$77,716,250	4,257
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.0630%	419
Cost of funding earning assets	1.4154%	1,353
Net interest margin	4.6476%	823
Noninterest income to average assets	0.8912%	1,671
Noninterest expense to average assets	4.6383%	516
Loan and lease loss provision to assets	0.0379%	5,840
Net operating income to assets	0.9500%	2,438
Return on assets (ROA)	0.9519%	2,522
Pretax return on assets	0.1024%	6,100
Return on Equity (ROE)	6.7141%	3,581
Retained earnings to average equity (ytd only)	6.7141%	2,010
Net charge-offs to loans	0.3759%	3,053
Credit loss provision to net charge-offs	13.7931%	5,207
Earnings coverage of net charge-offs (x)	0.5034%	4,927
Efficiency ratio	94.7598%	934
Assets per employee ($millions)	2.7932%	6,484
Cash dividends to net income (ytd only)*	0.0000%	3,290
Condition Ratios (%)
Loss allowance to loans	1.9950%	2,386
Loan loss allowance to noncurrent loans	88.8496%	3,207
Noncurrent assets plus other real estate owned to assets	4.1626%	1,526
Noncurrent loans to loans	2.2454%	3,164
Net loans and leases to total assets	71.5849%	1,863
Net loans and leases to deposits	95.2420%	781
Net loans and leases to core deposits	115.2922%	529
Total domestic deposits to total assets	75.1611%	6,705
Equity capital to assets	14.8215%	857
Core capital (leverage) ratio	10.8254%	2,394
Tier 1 risk-based capital ratio	15.2085%	3,390
Total risk-based capital ratio	16.4816%	3,342
Memoranda:
Average total assets	$105,470,330	4,812
Average earning assets	$88,174,000	5,051
Average equity	$14,953,670	3,916
Average total loans	$77,139,330	4,310
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.0324%	443
Cost of funding earning assets	1.4655%	1,312
Net interest margin	4.5669%	924
Noninterest income to average assets	0.9387%	1,508
Noninterest expense to average assets	4.4344%	636
Loan and lease loss provision to assets	0.0000%	5,840
Net operating income to assets	0.2140%	5,741
Return on assets (ROA)	0.2140%	5,804
Pretax return on assets	0.3304%	5,561
Return on Equity (ROE)	1.5435%	5,966
Retained earnings to average equity (ytd only)	1.5435%	5,188
Net charge-offs to loans	0.5336%	2,159
Credit loss provision to net charge-offs	0.0000%	4,480
Earnings coverage of net charge-offs (x)	0.8462%	4,004
Efficiency ratio	90.7801%	1,259
Assets per employee ($millions)	2.7359%	6,652
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	2.0389%	2,312
Loan loss allowance to noncurrent loans	109.5409%	2,649
Noncurrent assets plus other real estate owned to assets	4.3880%	1,488
Noncurrent loans to loans	1.8613%	3,746
Net loans and leases to total assets	68.7617%	2,389
Net loans and leases to deposits	89.8314%	1,254
Net loans and leases to core deposits	108.4235%	821
Total domestic deposits to total assets	76.5452%	6,599
Equity capital to assets	13.8811%	1,034
Core capital (leverage) ratio	10.5389%	2,572
Tier 1 risk-based capital ratio	14.8406%	3,513
Total risk-based capital ratio	16.1262%	3,454
Memoranda:
Average total assets	$106,530,500	4,822
Average earning assets	$89,251,500	5,048
Average equity	$14,771,500	3,945
Average total loans	$77,964,500	4,327
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1722%	606
Cost of funding earning assets	1.8054%	1,153
Net interest margin	4.3669%	1,594
Noninterest income to average assets	1.1581%	1,101
Noninterest expense to average assets	3.9241%	1,273
Loan and lease loss provision to assets	0.5988%	2,740
Net operating income to assets	0.3272%	4,842
Return on assets (ROA)	0.3272%	4,996
Pretax return on assets	0.3442%	5,101
Return on Equity (ROE)	2.3480%	5,241
Retained earnings to average equity (ytd only)	2.3480%	4,233
Net charge-offs to loans	1.4149%	1,573
Credit loss provision to net charge-offs	55.2654%	6,173
Earnings coverage of net charge-offs (x)	0.8703%	5,258
Efficiency ratio	78.3375%	2,641
Assets per employee ($millions)	2.4735%	7,048
Cash dividends to net income (ytd only)*	0.0000%	3,950
Condition Ratios (%)
Loss allowance to loans	2.0127%	2,266
Loan loss allowance to noncurrent loans	62.9973%	4,250
Noncurrent assets plus other real estate owned to assets	5.2086%	1,201
Noncurrent loans to loans	3.1950%	2,383
Net loans and leases to total assets	74.6535%	1,548
Net loans and leases to deposits	97.4665%	755
Net loans and leases to core deposits	108.8861%	991
Total domestic deposits to total assets	76.5941%	6,550
Equity capital to assets	13.8508%	1,082
Core capital (leverage) ratio	10.3377%	2,733
Tier 1 risk-based capital ratio	14.3142%	3,670
Total risk-based capital ratio	15.5880%	3,604
Memoranda:
Average total assets	$106,036,800	4,823
Average earning assets	$90,064,600	5,013
Average equity	$14,778,600	3,977
Average total loans	$81,207,800	4,304
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.0909%	775
Cost of funding earning assets	1.8707%	1,135
Net interest margin	4.2202%	2,147
Noninterest income to average assets	1.1048%	1,158
Noninterest expense to average assets	3.8166%	1,352
Loan and lease loss provision to assets	0.0378%	6,704
Net operating income to assets	0.8330%	2,868
Return on assets (ROA)	0.8330%	3,000
Pretax return on assets	0.8444%	3,757
Return on Equity (ROE)	5.9677%	3,829
Retained earnings to average equity (ytd only)	5.9677%	2,374
Net charge-offs to loans	1.1437%	1,780
Credit loss provision to net charge-offs	4.3042%	6,360
Earnings coverage of net charge-offs (x)	1.0057%	5,054
Efficiency ratio	78.8698%	2,508
Assets per employee ($millions)	2.5282%	7,051
Cash dividends to net income (ytd only)*	0.0000%	3,526
Condition Ratios (%)
Loss allowance to loans	1.7713%	2,888
Loan loss allowance to noncurrent loans	76.8191%	3,498
Noncurrent assets plus other real estate owned to assets	4.0647%	1,710
Noncurrent loans to loans	2.3058%	3,336
Net loans and leases to total assets	77.1922%	1,178
Net loans and leases to deposits	103.2019%	473
Net loans and leases to core deposits	115.5739%	763
Total domestic deposits to total assets	74.7973%	6,817
Equity capital to assets	14.2716%	1,093
Core capital (leverage) ratio	10.7929%	2,421
Tier 1 risk-based capital ratio	14.4795%	3,520
Total risk-based capital ratio	15.7502%	3,484
Memoranda:
Average total assets	$105,955,500	4,889
Average earning assets	$90,231,000	5,060
Average equity	$14,790,250	4,035
Average total loans	$81,251,250	4,374
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.0055%	936
Cost of funding earning assets	1.9153%	1,183
Net interest margin	4.0902%	2,610
Noninterest income to average assets	1.0389%	1,253
Noninterest expense to average assets	3.7439%	1,463
Loan and lease loss provision to assets	0.0000%	6,857
Net operating income to assets	0.7424%	3,225
Return on assets (ROA)	0.7424%	3,373
Pretax return on assets	0.7764%	3,963
Return on Equity (ROE)	5.3582%	4,106
Retained earnings to average equity (ytd only)	5.3582%	2,694
Net charge-offs to loans	1.4630%	1,303
Credit loss provision to net charge-offs	0.0000%	6,004
Earnings coverage of net charge-offs (x)	0.6978%	5,048
Efficiency ratio	80.3594%	2,396
Assets per employee ($millions)	2.9129%	6,327
Cash dividends to net income (ytd only)*	0.0000%	3,319
Condition Ratios (%)
Loss allowance to loans	1.8506%	2,560
Loan loss allowance to noncurrent loans	48.8080%	5,042
Noncurrent assets plus other real estate owned to assets	4.0575%	1,692
Noncurrent loans to loans	3.7916%	2,034
Net loans and leases to total assets	76.5701%	1,375
Net loans and leases to deposits	100.0061%	724
Net loans and leases to core deposits	111.7256%	1,048
Total domestic deposits to total assets	76.5655%	6,591
Equity capital to assets	13.8221%	1,237
Core capital (leverage) ratio	10.4501%	2,666
Tier 1 risk-based capital ratio	14.0337%	3,707
Total risk-based capital ratio	15.3063%	3,652
Memoranda:
Average total assets	$105,879,670	4,915
Average earning assets	$90,117,670	5,090
Average equity	$14,669,000	4,058
Average total loans	$80,520,670	4,434
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9400%	1,105
Cost of funding earning assets	1.9965%	1,098
Net interest margin	3.9435%	3,135
Noninterest income to average assets	0.8844%	1,687
Noninterest expense to average assets	3.6710%	1,570
Loan and lease loss provision to assets	0.0000%	6,552
Net operating income to assets	0.5299%	4,234
Return on assets (ROA)	0.5299%	4,374
Pretax return on assets	0.5489%	4,790
Return on Equity (ROE)	3.8200%	4,973
Retained earnings to average equity (ytd only)	3.8200%	3,849
Net charge-offs to loans	1.3005%	1,315
Credit loss provision to net charge-offs	0.0000%	5,126
Earnings coverage of net charge-offs (x)	0.5625%	4,528
Efficiency ratio	84.3722%	1,989
Assets per employee ($millions)	2.5419%	7,138
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	2.3722%	1,459
Loan loss allowance to noncurrent loans	62.8201%	4,236
Noncurrent assets plus other real estate owned to assets	4.4340%	1,531
Noncurrent loans to loans	3.7762%	2,098
Net loans and leases to total assets	74.5953%	1,834
Net loans and leases to deposits	98.0229%	909
Net loans and leases to core deposits	109.8378%	1,284
Total domestic deposits to total assets	76.0999%	6,742
Equity capital to assets	14.0217%	1,135
Core capital (leverage) ratio	10.2484%	2,875
Tier 1 risk-based capital ratio	14.0299%	3,634
Total risk-based capital ratio	15.2978%	3,589
Memoranda:
Average total assets	$104,931,000	5,012
Average earning assets	$88,754,000	5,201
Average equity	$14,555,000	4,107
Average total loans	$78,740,500	4,549
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1160%	1,476
Cost of funding earning assets	2.4190%	1,244
Net interest margin	3.6970%	4,161
Noninterest income to average assets	0.5205%	4,259
Noninterest expense to average assets	3.3086%	2,988
Loan and lease loss provision to assets	1.8841%	1,181
Net operating income to assets	-1.2440%	6,732
Return on assets (ROA)	-1.2342%	6,729
Pretax return on assets	-1.5211%	6,718
Return on Equity (ROE)	-8.6252%	6,518
Retained earnings to average equity (ytd only)	-8.6252%	6,404
Net charge-offs to loans	1.3460%	1,851
Credit loss provision to net charge-offs	182.3049%	2,260
Earnings coverage of net charge-offs (x)	0.3394%	5,778
Efficiency ratio	87.3911%	1,939
Assets per employee ($millions)	2.7801%	6,694
Cash dividends to net income (ytd only)*	0.0000%	4,015
Condition Ratios (%)
Loss allowance to loans	2.7553%	971
Loan loss allowance to noncurrent loans	137.2361%	2,088
Noncurrent assets plus other real estate owned to assets	3.3262%	2,053
Noncurrent loans to loans	2.0077%	3,642
Net loans and leases to total assets	71.6608%	2,845
Net loans and leases to deposits	97.2335%	1,187
Net loans and leases to core deposits	139.8079%	821
Total domestic deposits to total assets	73.6997%	7,057
Equity capital to assets	13.7224%	1,246
Core capital (leverage) ratio	10.2849%	2,794
Tier 1 risk-based capital ratio	14.0499%	3,468
Total risk-based capital ratio	15.3338%	3,403
Memoranda:
Average total assets	$106,631,800	4,914
Average earning assets	$90,532,400	5,103
Average equity	$15,257,600	4,021
Average total loans	$81,872,200	4,448
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1718%	1,437
Cost of funding earning assets	2.5355%	1,189
Net interest margin	3.6364%	4,343
Noninterest income to average assets	0.3955%	5,328
Noninterest expense to average assets	3.1886%	3,340
Loan and lease loss provision to assets	1.1901%	1,632
Net operating income to assets	-0.9107%	6,769
Return on assets (ROA)	-0.8945%	6,767
Pretax return on assets	-0.8807%	6,593
Return on Equity (ROE)	-6.1885%	6,575
Retained earnings to average equity (ytd only)	-6.1885%	6,408
Net charge-offs to loans	0.8591%	2,249
Credit loss provision to net charge-offs	178.6517%	2,575
Earnings coverage of net charge-offs (x)	0.4401%	5,590
Efficiency ratio	88.4271%	1,824
Assets per employee ($millions)	3.2183%	5,603
Cash dividends to net income (ytd only)*	0.0000%	3,688
Condition Ratios (%)
Loss allowance to loans	2.0898%	1,618
Loan loss allowance to noncurrent loans	140.8666%	2,017
Noncurrent assets plus other real estate owned to assets	2.4246%	2,843
Noncurrent loans to loans	1.4835%	4,443
Net loans and leases to total assets	75.4294%	2,117
Net loans and leases to deposits	101.1063%	1,003
Net loans and leases to core deposits	129.3519%	1,473
Total domestic deposits to total assets	74.6041%	6,849
Equity capital to assets	14.6740%	1,097
Core capital (leverage) ratio	10.9524%	2,442
Tier 1 risk-based capital ratio	14.1782%	3,451
Total risk-based capital ratio	15.4356%	3,394
Memoranda:
Average total assets	$106,878,500	4,935
Average earning assets	$90,711,250	5,136
Average equity	$15,447,750	4,016
Average total loans	$82,877,500	4,457
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1198%	1,726
Cost of funding earning assets	2.6408%	1,184
Net interest margin	3.4790%	4,898
Noninterest income to average assets	0.2625%	6,394
Noninterest expense to average assets	3.1023%	3,689
Loan and lease loss provision to assets	1.5697%	1,083
Net operating income to assets	-1.4680%	7,229
Return on assets (ROA)	-1.4439%	7,224
Pretax return on assets	-1.4236%	7,050
Return on Equity (ROE)	-10.0388%	7,039
Retained earnings to average equity (ytd only)	-10.0388%	6,881
Net charge-offs to loans	1.1897%	1,538
Credit loss provision to net charge-offs	169.8000%	2,715
Earnings coverage of net charge-offs (x)	0.1320%	5,536
Efficiency ratio	92.8326%	1,580
Assets per employee ($millions)	3.6016%	4,566
Cash dividends to net income (ytd only)*	0.0000%	3,532
Condition Ratios (%)
Loss allowance to loans	1.9562%	1,663
Loan loss allowance to noncurrent loans	87.8738%	3,240
Noncurrent assets plus other real estate owned to assets	2.9029%	2,199
Noncurrent loans to loans	2.2262%	3,225
Net loans and leases to total assets	76.1532%	2,144
Net loans and leases to deposits	100.8700%	1,186
Net loans and leases to core deposits	154.6639%	551
Total domestic deposits to total assets	75.4964%	6,661
Equity capital to assets	14.3931%	1,192
Core capital (leverage) ratio	10.4061%	2,898
Tier 1 risk-based capital ratio	11.6606%	5,234
Total risk-based capital ratio	12.7682%	5,288
Memoranda:
Average total assets	$108,176,330	4,936
Average earning assets	$92,094,670	5,116
Average equity	$15,559,670	4,009
Average total loans	$84,057,000	4,462
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1287%	1,835
Cost of funding earning assets	2.7994%	982
Net interest margin	3.3293%	5,401
Noninterest income to average assets	0.3417%	5,721
Noninterest expense to average assets	2.7953%	4,572
Loan and lease loss provision to assets	0.2763%	3,748
Net operating income to assets	0.0844%	6,024
Return on assets (ROA)	0.1236%	6,074
Pretax return on assets	0.1490%	6,053
Return on Equity (ROE)	0.8595%	6,171
Retained earnings to average equity (ytd only)	0.8595%	5,315
Net charge-offs to loans	1.9878%	726
Credit loss provision to net charge-offs	17.8824%	5,095
Earnings coverage of net charge-offs (x)	0.2447%	4,782
Efficiency ratio	84.7652%	2,216
Assets per employee ($millions)	3.5608%	4,669
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	1.0437%	5,847
Loan loss allowance to noncurrent loans	78.8820%	3,718
Noncurrent assets plus other real estate owned to assets	1.9939%	2,916
Noncurrent loans to loans	1.3231%	4,333
Net loans and leases to total assets	78.9019%	1,603
Net loans and leases to deposits	104.6588%	968
Net loans and leases to core deposits	150.5905%	685
Total domestic deposits to total assets	75.3897%	6,626
Equity capital to assets	14.8233%	1,154
Core capital (leverage) ratio	10.6681%	2,769
Tier 1 risk-based capital ratio	11.8518%	5,080
Total risk-based capital ratio	12.7684%	5,289
Memoranda:
Average total assets	$110,041,500	4,906
Average earning assets	$93,593,000	5,100
Average equity	$15,823,000	3,979
Average total loans	$85,522,500	4,440
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.7421%	1,897
Cost of funding earning assets	3.1512%	1,348
Net interest margin	3.5909%	4,932
Noninterest income to average assets	0.9153%	1,907
Noninterest expense to average assets	3.2103%	3,296
Loan and lease loss provision to assets	0.6229%	2,341
Net operating income to assets	0.1161%	6,067
Return on assets (ROA)	0.1161%	5,907
Pretax return on assets	0.1341%	5,868
Return on Equity (ROE)	0.7590%	5,988
Retained earnings to average equity (ytd only)	0.7590%	4,772
Net charge-offs to loans	0.5521%	2,173
Credit loss provision to net charge-offs	142.5121%	3,718
Earnings coverage of net charge-offs (x)	1.7319%	5,209
Efficiency ratio	77.7807%	2,956
Assets per employee ($millions)	4.1947%	3,126
Cash dividends to net income (ytd only)*	0.0000%	4,825
Condition Ratios (%)
Loss allowance to loans	1.4417%	2,967
Loan loss allowance to noncurrent loans	130.1788%	2,790
Noncurrent assets plus other real estate owned to assets	1.8392%	2,684
Noncurrent loans to loans	1.1075%	4,339
Net loans and leases to total assets	74.7241%	2,936
Net loans and leases to deposits	97.3083%	2,229
Net loans and leases to core deposits	152.3812%	769
Total domestic deposits to total assets	76.7910%	6,038
Equity capital to assets	13.9602%	1,436
Core capital (leverage) ratio	10.7724%	2,764
Tier 1 risk-based capital ratio	11.5555%	5,194
Total risk-based capital ratio	12.8083%	5,079
Memoranda:
Average total assets	$94,725,000	5,207
Average earning assets	$80,509,200	5,417
Average equity	$14,493,000	4,240
Average total loans	$74,984,400	4,690