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Bank of Lexington, Inc., 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	6.1217%	1,035
Cost of funding earning assets	2.3572%	1,115
Net interest margin	3.7645%	1,745
Noninterest income to average assets	0.2200%	3,425
Noninterest expense to average assets	2.1188%	3,316
Loan and lease loss provision to assets	0.0500%	1,971
Net operating income to assets	1.2023%	1,732
Return on assets (ROA)	1.2023%	1,737
Pretax return on assets	1.5825%	1,343
Return on Equity (ROE)	12.7500%	1,547
Retained earnings to average equity (ytd only)	10.1423%	1,152
Net charge-offs to loans	0.0000%	2,326
Credit loss provision to net charge-offs	0.0000%	1,760
Earnings coverage of net charge-offs (x)	0.0000%	2,230
Efficiency ratio	56.4808%	3,362
Assets per employee ($millions)	10.3856%	715
Cash dividends to net income (ytd only)*	20.4248%	1,987
Condition Ratios (%)
Loss allowance to loans	0.5638%	4,207
Loan loss allowance to noncurrent loans	1,832.2222%	452
Noncurrent assets plus other real estate owned to assets	0.0197%	3,593
Noncurrent loans to loans	0.0308%	3,550
Net loans and leases to total assets	63.6400%	2,539
Net loans and leases to deposits	71.1930%	2,781
Net loans and leases to core deposits	82.4364%	2,551
Total domestic deposits to total assets	89.4000%	1,026
Equity capital to assets	8.5286%	3,300
Core capital (leverage) ratio	8.7481%	3,933
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.5650%	1,357
Memoranda:
Average total assets	$407,215,500	2,051
Average earning assets	$381,463,000	2,036
Average equity	$38,413,500	2,088
Average total loans	$289,702,000	1,927
2024-12-31		Rank
Percentage of unprofitable institutions	0.0000%	319
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6096%	1,934
Cost of funding earning assets	2.5059%	1,138
Net interest margin	3.1037%	2,934
Noninterest income to average assets	0.3200%	2,938
Noninterest expense to average assets	2.2762%	2,926
Loan and lease loss provision to assets	0.0100%	2,986
Net operating income to assets	0.6941%	2,994
Return on assets (ROA)	0.6941%	3,026
Pretax return on assets	0.9024%	2,796
Return on Equity (ROE)	6.3200%	3,204
Retained earnings to average equity (ytd only)	-1.5603%	4,133
Net charge-offs to loans	-0.0059%	3,937
Credit loss provision to net charge-offs	0.0000%	2,577
Earnings coverage of net charge-offs (x)	0.0000%	2,991
Efficiency ratio	71.4156%	1,835
Assets per employee ($millions)	7.7709%	1,665
Cash dividends to net income (ytd only)*	124.6883%	138
Condition Ratios (%)
Loss allowance to loans	0.5625%	4,234
Loan loss allowance to noncurrent loans	1,630.3030%	508
Noncurrent assets plus other real estate owned to assets	0.0277%	3,502
Noncurrent loans to loans	0.0345%	3,501
Net loans and leases to total assets	79.8200%	677
Net loans and leases to deposits	95.8532%	721
Net loans and leases to core deposits	133.6264%	321
Total domestic deposits to total assets	83.2700%	2,971
Equity capital to assets	10.5896%	1,779
Core capital (leverage) ratio	11.0995%	1,923
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.5253%	1,148
Memoranda:
Average total assets	$346,630,400	2,246
Average earning assets	$320,202,000	2,261
Average equity	$38,070,000	2,050
Average total loans	$269,666,000	1,973
2024-09-30		Rank
Percentage of unprofitable institutions	0.0000%	305
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5601%	1,967
Cost of funding earning assets	2.4269%	1,301
Net interest margin	3.1331%	2,829
Noninterest income to average assets	0.3100%	2,981
Noninterest expense to average assets	2.2318%	2,994
Loan and lease loss provision to assets	0.0000%	3,009
Net operating income to assets	0.7486%	2,845
Return on assets (ROA)	0.7486%	2,856
Pretax return on assets	0.9746%	2,620
Return on Equity (ROE)	6.7500%	3,101
Retained earnings to average equity (ytd only)	-2.8643%	4,248
Net charge-offs to loans	-0.0075%	3,949
Credit loss provision to net charge-offs	0.0000%	2,285
Earnings coverage of net charge-offs (x)	0.0000%	2,734
Efficiency ratio	69.6720%	2,061
Assets per employee ($millions)	8.0433%	1,489
Cash dividends to net income (ytd only)*	142.4133%	92
Condition Ratios (%)
Loss allowance to loans	0.5780%	4,256
Loan loss allowance to noncurrent loans	1,506.6667%	534
Noncurrent assets plus other real estate owned to assets	0.0297%	3,541
Noncurrent loans to loans	0.0384%	3,536
Net loans and leases to total assets	76.9000%	1,012
Net loans and leases to deposits	93.6654%	889
Net loans and leases to core deposits	119.5521%	627
Total domestic deposits to total assets	82.1000%	3,083
Equity capital to assets	10.7080%	1,866
Core capital (leverage) ratio	11.3463%	1,841
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.8617%	1,124
Memoranda:
Average total assets	$343,922,250	2,252
Average earning assets	$317,375,250	2,269
Average equity	$38,124,000	2,050
Average total loans	$265,351,250	1,985
2024-06-30		Rank
Percentage of unprofitable institutions	0.0000%	306
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5201%	1,934
Cost of funding earning assets	2.2955%	1,451
Net interest margin	3.2246%	2,585
Noninterest income to average assets	0.3100%	2,924
Noninterest expense to average assets	2.2561%	2,925
Loan and lease loss provision to assets	-0.0100%	4,151
Net operating income to assets	0.7980%	2,630
Return on assets (ROA)	0.7980%	2,646
Pretax return on assets	1.0405%	2,361
Return on Equity (ROE)	7.1200%	2,965
Retained earnings to average equity (ytd only)	-5.9738%	4,343
Net charge-offs to loans	-0.0114%	4,011
Credit loss provision to net charge-offs	0.0000%	2,036
Earnings coverage of net charge-offs (x)	0.0000%	2,538
Efficiency ratio	68.7176%	2,249
Assets per employee ($millions)	7.9633%	1,475
Cash dividends to net income (ytd only)*	183.9588%	78
Condition Ratios (%)
Loss allowance to loans	0.5833%	4,257
Loan loss allowance to noncurrent loans	1,488.5714%	567
Noncurrent assets plus other real estate owned to assets	0.0307%	3,498
Noncurrent loans to loans	0.0392%	3,501
Net loans and leases to total assets	77.8000%	932
Net loans and leases to deposits	96.0797%	790
Net loans and leases to core deposits	130.6051%	393
Total domestic deposits to total assets	80.9800%	3,287
Equity capital to assets	10.8921%	1,624
Core capital (leverage) ratio	11.5157%	1,701
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.5481%	994
Memoranda:
Average total assets	$340,595,000	2,261
Average earning assets	$314,088,000	2,265
Average equity	$38,200,000	2,017
Average total loans	$262,561,000	1,996
2024-03-31		Rank
Percentage of unprofitable institutions	0.0000%	11
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4985%	1,817
Cost of funding earning assets	2.0875%	1,799
Net interest margin	3.4110%	2,078
Noninterest income to average assets	0.2400%	3,362
Noninterest expense to average assets	2.2056%	3,054
Loan and lease loss provision to assets	-0.0100%	4,190
Net operating income to assets	0.9268%	2,160
Return on assets (ROA)	0.9268%	2,177
Pretax return on assets	1.2129%	1,866
Return on Equity (ROE)	8.1400%	2,652
Retained earnings to average equity (ytd only)	5.5574%	2,246
Net charge-offs to loans	-0.0231%	4,145
Credit loss provision to net charge-offs	0.0000%	1,619
Earnings coverage of net charge-offs (x)	0.0000%	2,130
Efficiency ratio	64.6754%	2,725
Assets per employee ($millions)	7.7681%	1,590
Cash dividends to net income (ytd only)*	31.7662%	1,763
Condition Ratios (%)
Loss allowance to loans	0.6143%	4,217
Loan loss allowance to noncurrent loans	1,495.2830%	609
Noncurrent assets plus other real estate owned to assets	0.0317%	3,497
Noncurrent loans to loans	0.0411%	3,475
Net loans and leases to total assets	76.7700%	981
Net loans and leases to deposits	91.5237%	1,091
Net loans and leases to core deposits	116.2769%	742
Total domestic deposits to total assets	83.8800%	2,749
Equity capital to assets	11.6520%	1,243
Core capital (leverage) ratio	11.8604%	1,475
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	18.8828%	808
Memoranda:
Average total assets	$339,681,500	2,261
Average earning assets	$315,213,500	2,258
Average equity	$38,651,500	2,001
Average total loans	$259,856,500	2,007
2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2812%	1,523
Cost of funding earning assets	1.1863%	2,834
Net interest margin	4.0949%	1,079
Noninterest income to average assets	0.2900%	3,180
Noninterest expense to average assets	2.0724%	3,467
Loan and lease loss provision to assets	0.0300%	2,526
Net operating income to assets	1.5259%	970
Return on assets (ROA)	1.5259%	941
Pretax return on assets	2.0162%	653
Return on Equity (ROE)	15.0400%	1,282
Retained earnings to average equity (ytd only)	12.2692%	610
Net charge-offs to loans	0.0122%	2,197
Credit loss provision to net charge-offs	173.3333%	1,341
Earnings coverage of net charge-offs (x)	242.8000%	511
Efficiency ratio	50.3002%	3,962
Assets per employee ($millions)	8.2223%	1,321
Cash dividends to net income (ytd only)*	18.4230%	2,989
Condition Ratios (%)
Loss allowance to loans	0.6033%	4,240
Loan loss allowance to noncurrent loans	374.1706%	1,750
Noncurrent assets plus other real estate owned to assets	0.1222%	2,728
Noncurrent loans to loans	0.1612%	2,714
Net loans and leases to total assets	75.3300%	1,199
Net loans and leases to deposits	88.9597%	1,340
Net loans and leases to core deposits	114.5788%	794
Total domestic deposits to total assets	84.6700%	2,415
Equity capital to assets	11.1144%	1,426
Core capital (leverage) ratio	10.8899%	2,034
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	18.5805%	830
Memoranda:
Average total assets	$355,716,200	2,173
Average earning assets	$333,046,200	2,165
Average equity	$36,090,400	2,014
Average total loans	$246,577,400	2,019
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1355%	1,568
Cost of funding earning assets	0.9821%	3,084
Net interest margin	4.1534%	986
Noninterest income to average assets	0.3100%	3,041
Noninterest expense to average assets	2.0064%	3,578
Loan and lease loss provision to assets	0.0100%	2,772
Net operating income to assets	1.6339%	886
Return on assets (ROA)	1.6339%	876
Pretax return on assets	2.1917%	563
Return on Equity (ROE)	16.4800%	1,167
Retained earnings to average equity (ytd only)	13.6680%	718
Net charge-offs to loans	0.0000%	2,666
Credit loss provision to net charge-offs	0.0000%	2,098
Earnings coverage of net charge-offs (x)	0.0000%	2,572
Efficiency ratio	47.7041%	4,065
Assets per employee ($millions)	8.8313%	992
Cash dividends to net income (ytd only)*	17.0804%	2,562
Condition Ratios (%)
Loss allowance to loans	0.5990%	4,267
Loan loss allowance to noncurrent loans	332.3077%	1,884
Noncurrent assets plus other real estate owned to assets	0.1257%	2,720
Noncurrent loans to loans	0.1802%	2,641
Net loans and leases to total assets	69.3000%	1,906
Net loans and leases to deposits	81.0257%	1,970
Net loans and leases to core deposits	102.0946%	1,208
Total domestic deposits to total assets	85.5300%	2,341
Equity capital to assets	10.3388%	1,623
Core capital (leverage) ratio	10.3596%	2,517
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	18.2632%	910
Memoranda:
Average total assets	$358,311,500	2,172
Average earning assets	$336,421,500	2,148
Average equity	$35,517,500	2,026
Average total loans	$242,795,250	2,041
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9673%	1,611
Cost of funding earning assets	0.8339%	3,118
Net interest margin	4.1334%	1,033
Noninterest income to average assets	0.2000%	3,770
Noninterest expense to average assets	2.0316%	3,516
Loan and lease loss provision to assets	0.0000%	2,857
Net operating income to assets	1.5219%	1,064
Return on assets (ROA)	1.5219%	1,060
Pretax return on assets	2.0411%	700
Return on Equity (ROE)	15.5800%	1,343
Retained earnings to average equity (ytd only)	12.7128%	852
Net charge-offs to loans	0.0000%	2,455
Credit loss provision to net charge-offs	0.0000%	1,862
Earnings coverage of net charge-offs (x)	0.0000%	2,403
Efficiency ratio	49.9243%	3,938
Assets per employee ($millions)	8.9233%	935
Cash dividends to net income (ytd only)*	18.4026%	2,500
Condition Ratios (%)
Loss allowance to loans	0.6087%	4,293
Loan loss allowance to noncurrent loans	430.1449%	1,721
Noncurrent assets plus other real estate owned to assets	0.0921%	2,895
Noncurrent loans to loans	0.1415%	2,763
Net loans and leases to total assets	64.6500%	2,314
Net loans and leases to deposits	74.7801%	2,420
Net loans and leases to core deposits	88.9004%	1,870
Total domestic deposits to total assets	86.4500%	2,102
Equity capital to assets	9.6550%	2,060
Core capital (leverage) ratio	9.8263%	2,930
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.8682%	976
Memoranda:
Average total assets	$357,054,667	2,177
Average earning assets	$334,587,667	2,165
Average equity	$34,878,333	2,062
Average total loans	$239,580,667	2,056
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6685%	1,928
Cost of funding earning assets	0.8019%	2,728
Net interest margin	3.8666%	1,551
Noninterest income to average assets	0.2100%	3,716
Noninterest expense to average assets	1.9633%	3,705
Loan and lease loss provision to assets	-0.0300%	4,479
Net operating income to assets	1.4211%	1,350
Return on assets (ROA)	1.4211%	1,324
Pretax return on assets	1.9070%	905
Return on Equity (ROE)	14.4600%	1,671
Retained earnings to average equity (ytd only)	11.5354%	1,354
Net charge-offs to loans	0.0000%	2,062
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	51.1217%	3,845
Assets per employee ($millions)	9.4370%	814
Cash dividends to net income (ytd only)*	20.2102%	1,971
Condition Ratios (%)
Loss allowance to loans	0.6153%	4,339
Loan loss allowance to noncurrent loans	2,510.1695%	492
Noncurrent assets plus other real estate owned to assets	0.0152%	3,686
Noncurrent loans to loans	0.0245%	3,595
Net loans and leases to total assets	61.8200%	2,482
Net loans and leases to deposits	69.3121%	2,670
Net loans and leases to core deposits	83.2305%	2,042
Total domestic deposits to total assets	89.1900%	1,473
Equity capital to assets	9.0701%	2,461
Core capital (leverage) ratio	10.4376%	2,296
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.4376%	1,083
Memoranda:
Average total assets	$348,193,000	2,241
Average earning assets	$327,211,500	2,226
Average equity	$34,225,000	2,108
Average total loans	$237,480,000	2,082
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8540%	2,117
Cost of funding earning assets	0.3299%	2,635
Net interest margin	3.5241%	1,854
Noninterest income to average assets	0.3300%	3,139
Noninterest expense to average assets	2.2001%	3,026
Loan and lease loss provision to assets	0.0000%	2,926
Net operating income to assets	0.9514%	2,764
Return on assets (ROA)	0.9514%	2,712
Pretax return on assets	1.2620%	2,229
Return on Equity (ROE)	8.9900%	3,137
Retained earnings to average equity (ytd only)	5.9275%	2,671
Net charge-offs to loans	0.0000%	2,620
Credit loss provision to net charge-offs	0.0000%	1,979
Earnings coverage of net charge-offs (x)	0.0000%	2,564
Efficiency ratio	63.5478%	2,561
Assets per employee ($millions)	7.0334%	1,949
Cash dividends to net income (ytd only)*	34.0832%	2,209
Condition Ratios (%)
Loss allowance to loans	0.6646%	4,266
Loan loss allowance to noncurrent loans	2,638.9831%	491
Noncurrent assets plus other real estate owned to assets	0.0191%	3,654
Noncurrent loans to loans	0.0252%	3,615
Net loans and leases to total assets	75.2000%	1,106
Net loans and leases to deposits	87.1170%	1,240
Net loans and leases to core deposits	111.0289%	577
Total domestic deposits to total assets	86.3200%	2,637
Equity capital to assets	10.7785%	1,343
Core capital (leverage) ratio	11.2718%	1,634
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.8319%	1,003
Memoranda:
Average total assets	$308,389,800	2,413
Average earning assets	$274,029,600	2,473
Average equity	$32,627,800	2,214
Average total loans	$222,224,000	2,096
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6801%	2,101
Cost of funding earning assets	0.2542%	2,659
Net interest margin	3.4259%	1,887
Noninterest income to average assets	0.3700%	2,924
Noninterest expense to average assets	2.1606%	3,040
Loan and lease loss provision to assets	0.0000%	2,752
Net operating income to assets	0.9109%	2,826
Return on assets (ROA)	0.9109%	2,801
Pretax return on assets	1.2073%	2,340
Return on Equity (ROE)	8.6500%	3,128
Retained earnings to average equity (ytd only)	5.5681%	2,905
Net charge-offs to loans	0.0000%	2,349
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	0.0000%	2,297
Efficiency ratio	64.1526%	2,528
Assets per employee ($millions)	7.2075%	1,803
Cash dividends to net income (ytd only)*	35.6295%	1,774
Condition Ratios (%)
Loss allowance to loans	0.8212%	4,044
Loan loss allowance to noncurrent loans	3,150.8475%	394
Noncurrent assets plus other real estate owned to assets	0.0190%	3,758
Noncurrent loans to loans	0.0261%	3,714
Net loans and leases to total assets	72.4400%	1,238
Net loans and leases to deposits	83.7504%	1,320
Net loans and leases to core deposits	96.4914%	979
Total domestic deposits to total assets	86.5000%	2,924
Equity capital to assets	10.5116%	1,362
Core capital (leverage) ratio	10.9167%	1,793
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	18.1016%	972
Memoranda:
Average total assets	$308,120,250	2,426
Average earning assets	$269,623,500	2,519
Average equity	$32,445,750	2,257
Average total loans	$219,210,500	2,113
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5350%	2,026
Cost of funding earning assets	0.2425%	2,364
Net interest margin	3.2925%	1,934
Noninterest income to average assets	0.3785%	2,884
Noninterest expense to average assets	2.0955%	3,163
Loan and lease loss provision to assets	0.0000%	2,599
Net operating income to assets	0.8383%	2,827
Return on assets (ROA)	0.8383%	2,799
Pretax return on assets	1.1089%	2,372
Return on Equity (ROE)	7.9564%	3,026
Retained earnings to average equity (ytd only)	4.8701%	2,751
Net charge-offs to loans	0.0000%	2,156
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	65.3948%	2,598
Assets per employee ($millions)	7.2194%	1,797
Cash dividends to net income (ytd only)*	38.7898%	1,775
Condition Ratios (%)
Loss allowance to loans	0.8164%	4,147
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,093
Noncurrent loans to loans	0.0000%	4,026
Net loans and leases to total assets	72.7490%	1,036
Net loans and leases to deposits	83.8810%	1,130
Net loans and leases to core deposits	94.5170%	892
Total domestic deposits to total assets	86.7289%	3,029
Equity capital to assets	10.3230%	1,523
Core capital (leverage) ratio	10.3923%	2,035
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.8662%	1,009
Memoranda:
Average total assets	$307,519,000	2,445
Average earning assets	$263,930,000	2,578
Average equity	$32,401,667	2,300
Average total loans	$216,820,000	2,133
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5281%	1,710
Cost of funding earning assets	0.2630%	2,005
Net interest margin	3.2650%	1,665
Noninterest income to average assets	0.4078%	2,631
Noninterest expense to average assets	2.1068%	3,123
Loan and lease loss provision to assets	0.0000%	2,285
Net operating income to assets	0.7659%	2,794
Return on assets (ROA)	0.7659%	2,783
Pretax return on assets	1.0103%	2,404
Return on Equity (ROE)	7.1947%	2,981
Retained earnings to average equity (ytd only)	4.1253%	2,889
Net charge-offs to loans	0.0000%	1,838
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.5891%	2,554
Assets per employee ($millions)	7.5622%	1,646
Cash dividends to net income (ytd only)*	42.6621%	1,443
Condition Ratios (%)
Loss allowance to loans	0.8748%	4,103
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,139
Noncurrent loans to loans	0.0000%	4,066
Net loans and leases to total assets	64.7791%	1,525
Net loans and leases to deposits	74.2430%	1,583
Net loans and leases to core deposits	82.6296%	1,321
Total domestic deposits to total assets	87.2527%	2,830
Equity capital to assets	9.8931%	1,978
Core capital (leverage) ratio	10.9961%	1,517
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	18.3161%	1,002
Memoranda:
Average total assets	$306,062,000	2,471
Average earning assets	$253,962,500	2,660
Average equity	$32,579,500	2,354
Average total loans	$211,382,000	2,162
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8745%	1,686
Cost of funding earning assets	0.4601%	1,128
Net interest margin	3.4144%	1,979
Noninterest income to average assets	0.5931%	2,189
Noninterest expense to average assets	2.3137%	2,756
Loan and lease loss provision to assets	0.0000%	3,064
Net operating income to assets	0.8174%	3,278
Return on assets (ROA)	0.8174%	3,349
Pretax return on assets	1.0797%	3,034
Return on Equity (ROE)	7.3160%	3,435
Retained earnings to average equity (ytd only)	4.2317%	3,117
Net charge-offs to loans	-0.0035%	3,464
Credit loss provision to net charge-offs	0.0000%	2,330
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	68.1832%	1,951
Assets per employee ($millions)	6.6732%	2,178
Cash dividends to net income (ytd only)*	42.1585%	1,921
Condition Ratios (%)
Loss allowance to loans	0.8841%	4,101
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,222
Noncurrent loans to loans	0.0000%	4,145
Net loans and leases to total assets	72.6264%	794
Net loans and leases to deposits	83.4812%	951
Net loans and leases to core deposits	95.6744%	708
Total domestic deposits to total assets	86.9973%	2,521
Equity capital to assets	11.4965%	1,514
Core capital (leverage) ratio	10.8910%	1,630
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.9545%	760
Memoranda:
Average total assets	$290,181,400	2,478
Average earning assets	$237,990,600	2,691
Average equity	$32,422,200	2,411
Average total loans	$202,033,200	2,220
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8693%	1,860
Cost of funding earning assets	0.5088%	1,006
Net interest margin	3.3604%	2,269
Noninterest income to average assets	0.6415%	2,047
Noninterest expense to average assets	2.3043%	2,744
Loan and lease loss provision to assets	0.0000%	2,963
Net operating income to assets	0.8193%	3,472
Return on assets (ROA)	0.8193%	3,548
Pretax return on assets	1.0818%	3,236
Return on Equity (ROE)	7.3851%	3,563
Retained earnings to average equity (ytd only)	4.2873%	3,479
Net charge-offs to loans	-0.0047%	3,413
Credit loss provision to net charge-offs	0.0000%	2,044
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	68.0514%	1,828
Assets per employee ($millions)	6.4370%	2,306
Cash dividends to net income (ytd only)*	41.9463%	1,529
Condition Ratios (%)
Loss allowance to loans	0.8845%	4,191
Loan loss allowance to noncurrent loans	1,840.5941%	497
Noncurrent assets plus other real estate owned to assets	0.0357%	3,919
Noncurrent loans to loans	0.0481%	3,872
Net loans and leases to total assets	73.5480%	728
Net loans and leases to deposits	84.7581%	911
Net loans and leases to core deposits	101.1685%	547
Total domestic deposits to total assets	86.7740%	2,441
Equity capital to assets	11.5800%	1,620
Core capital (leverage) ratio	10.7352%	1,861
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	20.0066%	813
Memoranda:
Average total assets	$290,989,750	2,491
Average earning assets	$237,662,000	2,716
Average equity	$32,280,500	2,446
Average total loans	$199,976,750	2,272
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8646%	1,910
Cost of funding earning assets	0.5755%	840
Net interest margin	3.2892%	2,476
Noninterest income to average assets	0.6853%	1,865
Noninterest expense to average assets	2.2352%	2,965
Loan and lease loss provision to assets	0.0000%	2,862
Net operating income to assets	0.8161%	3,461
Return on assets (ROA)	0.8161%	3,533
Pretax return on assets	1.0784%	3,280
Return on Equity (ROE)	7.4623%	3,541
Retained earnings to average equity (ytd only)	4.3478%	3,410
Net charge-offs to loans	-0.0071%	3,542
Credit loss provision to net charge-offs	0.0000%	1,801
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.4548%	1,942
Assets per employee ($millions)	7.2118%	1,657
Cash dividends to net income (ytd only)*	41.7362%	1,524
Condition Ratios (%)
Loss allowance to loans	0.8866%	4,188
Loan loss allowance to noncurrent loans	1,840.5941%	446
Noncurrent assets plus other real estate owned to assets	0.0326%	4,031
Noncurrent loans to loans	0.0482%	3,939
Net loans and leases to total assets	67.0141%	1,581
Net loans and leases to deposits	76.9472%	1,736
Net loans and leases to core deposits	90.1521%	1,132
Total domestic deposits to total assets	87.0909%	2,268
Equity capital to assets	10.4538%	2,432
Core capital (leverage) ratio	10.4228%	2,021
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.2733%	918
Memoranda:
Average total assets	$293,576,333	2,481
Average earning assets	$234,588,000	2,726
Average equity	$32,108,000	2,445
Average total loans	$196,579,333	2,298
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9158%	1,795
Cost of funding earning assets	0.6591%	654
Net interest margin	3.2567%	2,526
Noninterest income to average assets	0.7753%	1,648
Noninterest expense to average assets	2.3595%	2,624
Loan and lease loss provision to assets	0.0000%	2,741
Net operating income to assets	0.7641%	3,536
Return on assets (ROA)	0.7641%	3,604
Pretax return on assets	1.0066%	3,350
Return on Equity (ROE)	6.8225%	3,652
Retained earnings to average equity (ytd only)	3.6929%	3,595
Net charge-offs to loans	0.0000%	1,930
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.0958%	1,685
Assets per employee ($millions)	6.3971%	2,257
Cash dividends to net income (ytd only)*	45.8716%	1,229
Condition Ratios (%)
Loss allowance to loans	0.9485%	4,023
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,422
Noncurrent loans to loans	0.0000%	4,341
Net loans and leases to total assets	68.7107%	1,442
Net loans and leases to deposits	80.0860%	1,515
Net loans and leases to core deposits	99.2457%	745
Total domestic deposits to total assets	85.7962%	2,814
Equity capital to assets	11.3823%	1,614
Core capital (leverage) ratio	11.6541%	1,320
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	20.4271%	739
Memoranda:
Average total assets	$285,310,500	2,514
Average earning assets	$226,976,000	2,770
Average equity	$31,953,000	2,442
Average total loans	$190,031,500	2,348
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2841%	1,913
Cost of funding earning assets	1.1031%	396
Net interest margin	3.1810%	3,404
Noninterest income to average assets	0.9230%	1,210
Noninterest expense to average assets	2.4605%	2,958
Loan and lease loss provision to assets	0.0000%	4,319
Net operating income to assets	0.8469%	2,911
Return on assets (ROA)	0.8469%	3,046
Pretax return on assets	1.0706%	2,812
Return on Equity (ROE)	7.7671%	2,901
Retained earnings to average equity (ytd only)	7.7671%	1,126
Net charge-offs to loans	0.0010%	3,393
Credit loss provision to net charge-offs	0.0000%	3,264
Earnings coverage of net charge-offs (x)	1,527.0000%	74
Efficiency ratio	69.6813%	1,993
Assets per employee ($millions)	6.0239%	2,320
Cash dividends to net income (ytd only)*	0.0000%	3,731
Condition Ratios (%)
Loss allowance to loans	1.0021%	3,859
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,492
Noncurrent loans to loans	0.0000%	4,420
Net loans and leases to total assets	63.2745%	2,457
Net loans and leases to deposits	74.2587%	2,461
Net loans and leases to core deposits	88.1283%	1,680
Total domestic deposits to total assets	85.2083%	2,682
Equity capital to assets	11.0213%	2,235
Core capital (leverage) ratio	10.5106%	2,153
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	20.7738%	685
Memoranda:
Average total assets	$285,266,800	2,367
Average earning assets	$233,890,800	2,571
Average equity	$31,105,400	2,425
Average total loans	$197,442,000	2,261
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3694%	1,930
Cost of funding earning assets	1.1970%	378
Net interest margin	3.1724%	3,560
Noninterest income to average assets	0.8765%	1,290
Noninterest expense to average assets	2.4790%	2,911
Loan and lease loss provision to assets	0.0000%	4,239
Net operating income to assets	0.8001%	3,089
Return on assets (ROA)	0.8001%	3,211
Pretax return on assets	1.0177%	3,005
Return on Equity (ROE)	7.3577%	3,072
Retained earnings to average equity (ytd only)	7.3577%	1,560
Net charge-offs to loans	0.0000%	3,243
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.8959%	1,763
Assets per employee ($millions)	6.5472%	1,792
Cash dividends to net income (ytd only)*	0.0000%	3,332
Condition Ratios (%)
Loss allowance to loans	0.9543%	3,869
Loan loss allowance to noncurrent loans	1,800.0000%	369
Noncurrent assets plus other real estate owned to assets	0.0328%	4,292
Noncurrent loans to loans	0.0530%	4,159
Net loans and leases to total assets	61.2284%	3,092
Net loans and leases to deposits	70.8236%	3,231
Net loans and leases to core deposits	82.0530%	2,657
Total domestic deposits to total assets	86.4519%	1,881
Equity capital to assets	10.0068%	3,218
Core capital (leverage) ratio	10.4116%	2,329
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.4722%	845
Memoranda:
Average total assets	$284,296,500	2,353
Average earning assets	$234,810,000	2,545
Average equity	$30,914,750	2,425
Average total loans	$200,600,250	2,228
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6629%	1,500
Cost of funding earning assets	1.3427%	294
Net interest margin	3.3202%	3,333
Noninterest income to average assets	0.6431%	1,965
Noninterest expense to average assets	2.4746%	3,034
Loan and lease loss provision to assets	0.0000%	4,134
Net operating income to assets	0.7058%	3,379
Return on assets (ROA)	0.7058%	3,483
Pretax return on assets	0.9107%	3,282
Return on Equity (ROE)	6.2986%	3,400
Retained earnings to average equity (ytd only)	6.2986%	1,938
Net charge-offs to loans	0.0000%	3,033
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	73.0993%	1,557
Assets per employee ($millions)	5.9810%	2,196
Cash dividends to net income (ytd only)*	0.0000%	3,182
Condition Ratios (%)
Loss allowance to loans	0.9333%	3,867
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,603
Noncurrent loans to loans	0.0000%	4,537
Net loans and leases to total assets	70.0098%	2,029
Net loans and leases to deposits	82.3463%	2,168
Net loans and leases to core deposits	103.9383%	1,007
Total domestic deposits to total assets	85.0188%	2,395
Equity capital to assets	11.0233%	2,320
Core capital (leverage) ratio	10.8354%	2,089
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.4750%	848
Memoranda:
Average total assets	$274,306,667	2,384
Average earning assets	$226,553,000	2,577
Average equity	$30,737,000	2,427
Average total loans	$202,709,000	2,200
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8763%	1,254
Cost of funding earning assets	1.3810%	432
Net interest margin	3.4953%	2,999
Noninterest income to average assets	0.4090%	3,034
Noninterest expense to average assets	2.4628%	3,385
Loan and lease loss provision to assets	0.0000%	3,711
Net operating income to assets	0.6762%	3,345
Return on assets (ROA)	0.6762%	3,415
Pretax return on assets	0.9022%	3,136
Return on Equity (ROE)	5.9846%	3,321
Retained earnings to average equity (ytd only)	5.9846%	1,878
Net charge-offs to loans	0.0000%	2,581
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	73.1900%	1,919
Assets per employee ($millions)	6.3824%	1,416
Cash dividends to net income (ytd only)*	0.0000%	2,581
Condition Ratios (%)
Loss allowance to loans	0.9136%	4,064
Loan loss allowance to noncurrent loans	1,800.0000%	323
Noncurrent assets plus other real estate owned to assets	0.0351%	4,442
Noncurrent loans to loans	0.0508%	4,347
Net loans and leases to total assets	68.4918%	2,470
Net loans and leases to deposits	79.8124%	2,700
Net loans and leases to core deposits	102.1940%	1,305
Total domestic deposits to total assets	85.8159%	2,080
Equity capital to assets	10.4765%	3,348
Core capital (leverage) ratio	10.8100%	2,633
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	18.6455%	1,039
Memoranda:
Average total assets	$270,907,500	2,364
Average earning assets	$229,110,000	2,503
Average equity	$30,612,000	2,423
Average total loans	$204,736,000	2,150
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8452%	1,907
Cost of funding earning assets	1.3310%	700
Net interest margin	3.5142%	3,405
Noninterest income to average assets	0.3415%	3,662
Noninterest expense to average assets	2.5143%	3,407
Loan and lease loss provision to assets	0.0000%	3,973
Net operating income to assets	0.8336%	3,437
Return on assets (ROA)	0.8336%	3,529
Pretax return on assets	1.0113%	3,436
Return on Equity (ROE)	7.3705%	3,413
Retained earnings to average equity (ytd only)	7.3705%	1,218
Net charge-offs to loans	0.0000%	3,726
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	71.3159%	1,973
Assets per employee ($millions)	5.0658%	2,495
Cash dividends to net income (ytd only)*	0.0000%	3,913
Condition Ratios (%)
Loss allowance to loans	0.8977%	3,970
Loan loss allowance to noncurrent loans	1,782.6923%	353
Noncurrent assets plus other real estate owned to assets	0.0419%	4,429
Noncurrent loans to loans	0.0504%	4,344
Net loans and leases to total assets	82.4570%	498
Net loans and leases to deposits	101.9226%	473
Net loans and leases to core deposits	141.6336%	169
Total domestic deposits to total assets	80.9016%	3,792
Equity capital to assets	12.2735%	1,965
Core capital (leverage) ratio	12.2718%	1,614
Tier 1 risk-based capital ratio	18.2065%	1,712
Total risk-based capital ratio	19.3147%	1,702
Memoranda:
Average total assets	$258,877,800	2,404
Average earning assets	$234,560,800	2,442
Average equity	$29,278,800	2,434
Average total loans	$206,376,400	2,118
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8164%	2,066
Cost of funding earning assets	1.2847%	821
Net interest margin	3.5316%	3,468
Noninterest income to average assets	0.3115%	3,883
Noninterest expense to average assets	2.5607%	3,275
Loan and lease loss provision to assets	0.0000%	3,836
Net operating income to assets	0.8131%	3,634
Return on assets (ROA)	0.8131%	3,716
Pretax return on assets	0.9711%	3,681
Return on Equity (ROE)	7.3377%	3,572
Retained earnings to average equity (ytd only)	7.3377%	1,700
Net charge-offs to loans	0.0000%	3,455
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.5029%	1,761
Assets per employee ($millions)	5.0844%	2,461
Cash dividends to net income (ytd only)*	0.0000%	3,563
Condition Ratios (%)
Loss allowance to loans	0.8926%	4,075
Loan loss allowance to noncurrent loans	3,708.0000%	190
Noncurrent assets plus other real estate owned to assets	0.0201%	4,643
Noncurrent loans to loans	0.0241%	4,570
Net loans and leases to total assets	82.6307%	501
Net loans and leases to deposits	104.8428%	367
Net loans and leases to core deposits	134.9897%	240
Total domestic deposits to total assets	78.8139%	4,215
Equity capital to assets	11.9983%	2,260
Core capital (leverage) ratio	11.1188%	2,543
Tier 1 risk-based capital ratio	18.0074%	1,812
Total risk-based capital ratio	19.1241%	1,802
Memoranda:
Average total assets	$261,541,000	2,408
Average earning assets	$238,486,250	2,435
Average equity	$28,982,000	2,462
Average total loans	$206,337,250	2,136
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6754%	2,435
Cost of funding earning assets	1.2512%	860
Net interest margin	3.4242%	3,818
Noninterest income to average assets	0.2883%	4,012
Noninterest expense to average assets	2.5053%	3,461
Loan and lease loss provision to assets	0.0000%	3,685
Net operating income to assets	0.7091%	3,978
Return on assets (ROA)	0.7091%	4,032
Pretax return on assets	0.8981%	3,850
Return on Equity (ROE)	6.5693%	3,855
Retained earnings to average equity (ytd only)	6.5693%	2,020
Net charge-offs to loans	0.0000%	3,172
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	73.6120%	1,687
Assets per employee ($millions)	6.1859%	1,410
Cash dividends to net income (ytd only)*	0.0000%	3,431
Condition Ratios (%)
Loss allowance to loans	0.8847%	4,151
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,834
Noncurrent loans to loans	0.0000%	4,745
Net loans and leases to total assets	69.9542%	2,536
Net loans and leases to deposits	82.0839%	2,721
Net loans and leases to core deposits	102.9409%	1,472
Total domestic deposits to total assets	85.2228%	2,380
Equity capital to assets	9.8470%	4,098
Core capital (leverage) ratio	11.0566%	2,540
Tier 1 risk-based capital ratio	16.4578%	2,252
Total risk-based capital ratio	17.5012%	2,257
Memoranda:
Average total assets	$265,676,330	2,380
Average earning assets	$241,692,330	2,418
Average equity	$28,678,670	2,472
Average total loans	$205,877,670	2,147
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8625%	1,718
Cost of funding earning assets	1.3232%	610
Net interest margin	3.5392%	3,465
Noninterest income to average assets	0.1936%	4,598
Noninterest expense to average assets	2.6442%	3,068
Loan and lease loss provision to assets	0.0000%	3,406
Net operating income to assets	0.5983%	4,250
Return on assets (ROA)	0.5983%	4,284
Pretax return on assets	0.7582%	4,154
Return on Equity (ROE)	5.2678%	4,253
Retained earnings to average equity (ytd only)	5.2678%	2,787
Net charge-offs to loans	0.0000%	2,740
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.7151%	1,303
Assets per employee ($millions)	5.4440%	2,039
Cash dividends to net income (ytd only)*	0.0000%	2,768
Condition Ratios (%)
Loss allowance to loans	0.9062%	4,127
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,905
Noncurrent loans to loans	0.0000%	4,814
Net loans and leases to total assets	80.9601%	715
Net loans and leases to deposits	100.3544%	606
Net loans and leases to core deposits	136.2166%	232
Total domestic deposits to total assets	80.6742%	4,027
Equity capital to assets	11.4259%	2,468
Core capital (leverage) ratio	11.2726%	2,320
Tier 1 risk-based capital ratio	17.5413%	1,929
Total risk-based capital ratio	18.6754%	1,911
Memoranda:
Average total assets	$250,053,000	2,516
Average earning assets	$226,716,000	2,541
Average equity	$28,399,000	2,491
Average total loans	$204,034,500	2,182
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7422%	1,701
Cost of funding earning assets	1.0524%	599
Net interest margin	3.6898%	3,074
Noninterest income to average assets	0.2530%	4,414
Noninterest expense to average assets	3.5245%	968
Loan and lease loss provision to assets	0.0000%	4,082
Net operating income to assets	0.0295%	5,218
Return on assets (ROA)	0.0295%	5,214
Pretax return on assets	0.0385%	5,210
Return on Equity (ROE)	0.2754%	5,211
Retained earnings to average equity (ytd only)	-0.8117%	5,072
Net charge-offs to loans	0.0005%	3,771
Credit loss provision to net charge-offs	0.0000%	3,452
Earnings coverage of net charge-offs (x)	99.0000%	742
Efficiency ratio	98.9200%	158
Assets per employee ($millions)	5.4279%	2,033
Cash dividends to net income (ytd only)*	394.7368%	16
Condition Ratios (%)
Loss allowance to loans	0.9112%	4,109
Loan loss allowance to noncurrent loans	710.3448%	809
Noncurrent assets plus other real estate owned to assets	0.1045%	4,305
Noncurrent loans to loans	0.1283%	4,159
Net loans and leases to total assets	80.7497%	834
Net loans and leases to deposits	97.7950%	919
Net loans and leases to core deposits	131.9453%	289
Total domestic deposits to total assets	82.5704%	3,461
Equity capital to assets	11.2883%	2,423
Core capital (leverage) ratio	11.1054%	2,433
Tier 1 risk-based capital ratio	17.4297%	1,913
Total risk-based capital ratio	18.5716%	1,902
Memoranda:
Average total assets	$257,283,000	2,424
Average earning assets	$230,800,600	2,478
Average equity	$27,597,000	2,477
Average total loans	$205,649,800	2,131
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6786%	1,740
Cost of funding earning assets	0.9725%	673
Net interest margin	3.7061%	2,999
Noninterest income to average assets	0.2660%	4,370
Noninterest expense to average assets	3.9009%	594
Loan and lease loss provision to assets	0.0000%	3,948
Net operating income to assets	-0.2423%	5,352
Return on assets (ROA)	-0.2423%	5,351
Pretax return on assets	-0.3061%	5,359
Return on Equity (ROE)	-2.2877%	5,359
Retained earnings to average equity (ytd only)	-3.7449%	5,275
Net charge-offs to loans	0.0000%	3,489
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	108.5146%	87
Assets per employee ($millions)	5.6223%	1,809
Cash dividends to net income (ytd only)*	-63.6947%	5,462
Condition Ratios (%)
Loss allowance to loans	0.9193%	4,187
Loan loss allowance to noncurrent loans	502.7100%	1,090
Noncurrent assets plus other real estate owned to assets	0.1427%	4,238
Noncurrent loans to loans	0.1829%	4,068
Net loans and leases to total assets	77.3075%	1,449
Net loans and leases to deposits	96.1550%	1,137
Net loans and leases to core deposits	127.2178%	388
Total domestic deposits to total assets	80.3988%	4,020
Equity capital to assets	10.6644%	2,966
Core capital (leverage) ratio	10.8361%	2,755
Tier 1 risk-based capital ratio	16.9579%	2,121
Total risk-based capital ratio	18.0912%	2,108
Memoranda:
Average total assets	$259,182,750	2,418
Average earning assets	$232,799,750	2,479
Average equity	$27,450,000	2,491
Average total loans	$206,194,000	2,135
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6824%	1,544
Cost of funding earning assets	0.8876%	766
Net interest margin	3.7948%	2,580
Noninterest income to average assets	0.2745%	4,353
Noninterest expense to average assets	4.5881%	275
Loan and lease loss provision to assets	0.0000%	3,782
Net operating income to assets	-0.7202%	5,460
Return on assets (ROA)	-0.7202%	5,453
Pretax return on assets	-0.9114%	5,464
Return on Equity (ROE)	-6.8159%	5,456
Retained earnings to average equity (ytd only)	-9.0052%	5,401
Net charge-offs to loans	0.0000%	3,209
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	124.7903%	59
Assets per employee ($millions)	5.2342%	2,160
Cash dividends to net income (ytd only)*	-32.1199%	5,518
Condition Ratios (%)
Loss allowance to loans	0.9079%	4,309
Loan loss allowance to noncurrent loans	705.3232%	825
Noncurrent assets plus other real estate owned to assets	0.1047%	4,472
Noncurrent loans to loans	0.1287%	4,331
Net loans and leases to total assets	80.5849%	931
Net loans and leases to deposits	99.4391%	844
Net loans and leases to core deposits	130.1534%	333
Total domestic deposits to total assets	81.0395%	3,986
Equity capital to assets	10.7967%	2,835
Core capital (leverage) ratio	10.5677%	2,961
Tier 1 risk-based capital ratio	16.6041%	2,227
Total risk-based capital ratio	17.7327%	2,208
Memoranda:
Average total assets	$259,368,000	2,427
Average earning assets	$232,530,670	2,491
Average equity	$27,406,330	2,506
Average total loans	$207,661,000	2,125
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4708%	1,955
Cost of funding earning assets	0.7984%	960
Net interest margin	3.6724%	2,909
Noninterest income to average assets	0.2354%	4,603
Noninterest expense to average assets	6.2316%	135
Loan and lease loss provision to assets	0.0000%	3,508
Net operating income to assets	-2.1045%	5,573
Return on assets (ROA)	-2.1045%	5,571
Pretax return on assets	-2.6648%	5,579
Return on Equity (ROE)	-20.1260%	5,573
Retained earnings to average equity (ytd only)	-20.1260%	5,506
Net charge-offs to loans	0.0000%	2,722
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	174.7126%	23
Assets per employee ($millions)	5.4996%	1,943
Cash dividends to net income (ytd only)*	0.0000%	2,749
Condition Ratios (%)
Loss allowance to loans	0.8890%	4,492
Loan loss allowance to noncurrent loans	702.6515%	812
Noncurrent assets plus other real estate owned to assets	0.1000%	4,586
Noncurrent loans to loans	0.1265%	4,397
Net loans and leases to total assets	78.3388%	1,190
Net loans and leases to deposits	96.8663%	947
Net loans and leases to core deposits	122.8170%	505
Total domestic deposits to total assets	80.8731%	4,230
Equity capital to assets	10.1080%	3,490
Core capital (leverage) ratio	10.3770%	3,087
Tier 1 risk-based capital ratio	15.9969%	2,475
Total risk-based capital ratio	17.1024%	2,478
Memoranda:
Average total assets	$263,430,500	2,419
Average earning assets	$238,974,000	2,457
Average equity	$27,546,500	2,522
Average total loans	$209,332,000	2,123
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4958%	1,716
Cost of funding earning assets	0.7301%	889
Net interest margin	3.7657%	2,544
Noninterest income to average assets	0.3001%	4,308
Noninterest expense to average assets	2.4063%	4,057
Loan and lease loss provision to assets	0.0000%	4,227
Net operating income to assets	0.7820%	3,241
Return on assets (ROA)	0.7820%	3,280
Pretax return on assets	1.2866%	2,407
Return on Equity (ROE)	7.5291%	3,023
Retained earnings to average equity (ytd only)	5.8217%	1,643
Net charge-offs to loans	0.0475%	2,833
Credit loss provision to net charge-offs	0.0000%	3,708
Earnings coverage of net charge-offs (x)	33.8317%	1,419
Efficiency ratio	65.1611%	3,413
Assets per employee ($millions)	5.4767%	1,959
Cash dividends to net income (ytd only)*	22.6769%	3,583
Condition Ratios (%)
Loss allowance to loans	0.8833%	4,550
Loan loss allowance to noncurrent loans	2,348.1013%	323
Noncurrent assets plus other real estate owned to assets	0.0301%	4,992
Noncurrent loans to loans	0.0376%	4,843
Net loans and leases to total assets	79.1823%	1,081
Net loans and leases to deposits	101.2388%	639
Net loans and leases to core deposits	131.2641%	313
Total domestic deposits to total assets	78.2134%	4,684
Equity capital to assets	10.8071%	2,828
Core capital (leverage) ratio	11.0151%	2,322
Tier 1 risk-based capital ratio	17.0245%	2,082
Total risk-based capital ratio	18.1316%	2,073
Memoranda:
Average total assets	$265,592,000	2,367
Average earning assets	$239,289,000	2,428
Average equity	$27,586,400	2,514
Average total loans	$212,462,400	2,055
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4589%	1,760
Cost of funding earning assets	0.7207%	880
Net interest margin	3.7382%	2,623
Noninterest income to average assets	0.2954%	4,421
Noninterest expense to average assets	2.4095%	3,994
Loan and lease loss provision to assets	0.0000%	4,088
Net operating income to assets	0.8337%	3,367
Return on assets (ROA)	0.8337%	3,404
Pretax return on assets	1.2623%	2,658
Return on Equity (ROE)	8.1077%	3,076
Retained earnings to average equity (ytd only)	6.3012%	2,058
Net charge-offs to loans	0.0632%	2,213
Credit loss provision to net charge-offs	0.0000%	3,274
Earnings coverage of net charge-offs (x)	24.9610%	1,749
Efficiency ratio	65.6212%	3,273
Assets per employee ($millions)	5.5969%	1,832
Cash dividends to net income (ytd only)*	22.2821%	3,054
Condition Ratios (%)
Loss allowance to loans	0.8903%	4,610
Loan loss allowance to noncurrent loans	2,318.7500%	309
Noncurrent assets plus other real estate owned to assets	0.0304%	5,089
Noncurrent loans to loans	0.0384%	4,946
Net loans and leases to total assets	78.4985%	1,197
Net loans and leases to deposits	101.7548%	635
Net loans and leases to core deposits	126.9332%	388
Total domestic deposits to total assets	77.1448%	4,856
Equity capital to assets	10.7129%	3,151
Core capital (leverage) ratio	10.8417%	2,604
Tier 1 risk-based capital ratio	16.6915%	2,255
Total risk-based capital ratio	17.7889%	2,265
Memoranda:
Average total assets	$266,269,500	2,388
Average earning assets	$240,502,000	2,436
Average equity	$27,380,500	2,542
Average total loans	$213,075,250	2,064
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3884%	1,856
Cost of funding earning assets	0.7125%	834
Net interest margin	3.6758%	2,735
Noninterest income to average assets	0.2626%	4,656
Noninterest expense to average assets	2.4022%	4,046
Loan and lease loss provision to assets	0.0000%	3,871
Net operating income to assets	0.8027%	3,390
Return on assets (ROA)	0.8027%	3,449
Pretax return on assets	1.2142%	2,724
Return on Equity (ROE)	7.9148%	3,077
Retained earnings to average equity (ytd only)	5.1782%	2,590
Net charge-offs to loans	0.0429%	2,337
Credit loss provision to net charge-offs	0.0000%	2,905
Earnings coverage of net charge-offs (x)	35.2826%	1,354
Efficiency ratio	66.4253%	3,279
Assets per employee ($millions)	5.4704%	1,896
Cash dividends to net income (ytd only)*	34.5760%	2,602
Condition Ratios (%)
Loss allowance to loans	0.8941%	4,661
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	5,332
Noncurrent loans to loans	0.0000%	5,209
Net loans and leases to total assets	80.6265%	864
Net loans and leases to deposits	103.5834%	520
Net loans and leases to core deposits	125.7269%	404
Total domestic deposits to total assets	77.8372%	4,840
Equity capital to assets	10.5088%	3,327
Core capital (leverage) ratio	10.3268%	3,107
Tier 1 risk-based capital ratio	16.0717%	2,471
Total risk-based capital ratio	17.1831%	2,473
Memoranda:
Average total assets	$267,340,670	2,389
Average earning assets	$243,917,000	2,415
Average equity	$27,113,670	2,557
Average total loans	$214,650,330	2,050
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2749%	2,033
Cost of funding earning assets	0.7052%	824
Net interest margin	3.5697%	3,006
Noninterest income to average assets	0.2150%	4,980
Noninterest expense to average assets	2.4069%	4,090
Loan and lease loss provision to assets	0.0000%	3,537
Net operating income to assets	0.7148%	3,641
Return on assets (ROA)	0.7148%	3,679
Pretax return on assets	1.0811%	3,057
Return on Equity (ROE)	7.1744%	3,332
Retained earnings to average equity (ytd only)	1.6522%	4,444
Net charge-offs to loans	0.0000%	2,943
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.0051%	3,047
Assets per employee ($millions)	5.3231%	2,049
Cash dividends to net income (ytd only)*	76.9710%	1,016
Condition Ratios (%)
Loss allowance to loans	0.9222%	4,669
Loan loss allowance to noncurrent loans	514.7368%	1,036
Noncurrent assets plus other real estate owned to assets	0.1400%	4,702
Noncurrent loans to loans	0.1792%	4,485
Net loans and leases to total assets	77.4117%	1,212
Net loans and leases to deposits	98.8839%	695
Net loans and leases to core deposits	122.4066%	399
Total domestic deposits to total assets	78.2855%	4,933
Equity capital to assets	9.9217%	3,851
Core capital (leverage) ratio	9.9305%	3,588
Tier 1 risk-based capital ratio	15.5224%	2,747
Total risk-based capital ratio	16.6480%	2,731
Memoranda:
Average total assets	$269,721,000	2,400
Average earning assets	$247,301,500	2,418
Average equity	$26,873,500	2,582
Average total loans	$215,166,000	2,062
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3545%	1,969
Cost of funding earning assets	0.6796%	912
Net interest margin	3.6749%	2,801
Noninterest income to average assets	0.3482%	4,243
Noninterest expense to average assets	2.4666%	4,113
Loan and lease loss provision to assets	0.0466%	3,460
Net operating income to assets	0.8318%	3,145
Return on assets (ROA)	0.8469%	3,195
Pretax return on assets	1.2789%	2,362
Return on Equity (ROE)	8.4696%	2,691
Retained earnings to average equity (ytd only)	7.1071%	1,185
Net charge-offs to loans	0.0090%	3,961
Credit loss provision to net charge-offs	631.5789%	543
Earnings coverage of net charge-offs (x)	176.6316%	369
Efficiency ratio	65.4413%	3,685
Assets per employee ($millions)	5.2542%	2,112
Cash dividends to net income (ytd only)*	16.0862%	3,858
Condition Ratios (%)
Loss allowance to loans	0.8963%	4,797
Loan loss allowance to noncurrent loans	514.7368%	1,035
Noncurrent assets plus other real estate owned to assets	0.1418%	4,740
Noncurrent loans to loans	0.1741%	4,541
Net loans and leases to total assets	80.7064%	784
Net loans and leases to deposits	105.5013%	369
Net loans and leases to core deposits	127.8049%	312
Total domestic deposits to total assets	76.4981%	5,179
Equity capital to assets	10.0058%	3,720
Core capital (leverage) ratio	10.1579%	3,288
Tier 1 risk-based capital ratio	15.3848%	2,799
Total risk-based capital ratio	16.5050%	2,794
Memoranda:
Average total assets	$257,642,600	2,454
Average earning assets	$239,843,600	2,436
Average equity	$25,762,800	2,655
Average total loans	$211,011,600	2,039
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3620%	1,970
Cost of funding earning assets	0.6722%	939
Net interest margin	3.6898%	2,755
Noninterest income to average assets	0.3544%	4,255
Noninterest expense to average assets	2.4699%	4,072
Loan and lease loss provision to assets	0.0314%	3,601
Net operating income to assets	0.8573%	3,112
Return on assets (ROA)	0.8777%	3,148
Pretax return on assets	1.3241%	2,338
Return on Equity (ROE)	8.7787%	2,619
Retained earnings to average equity (ytd only)	6.9435%	1,659
Net charge-offs to loans	0.0000%	3,952
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	65.0916%	3,746
Assets per employee ($millions)	5.4617%	1,889
Cash dividends to net income (ytd only)*	20.9054%	3,195
Condition Ratios (%)
Loss allowance to loans	0.8974%	4,880
Loan loss allowance to noncurrent loans	187.1945%	2,350
Noncurrent assets plus other real estate owned to assets	0.3902%	3,860
Noncurrent loans to loans	0.4794%	3,573
Net loans and leases to total assets	80.6651%	801
Net loans and leases to deposits	102.0411%	564
Net loans and leases to core deposits	119.0853%	535
Total domestic deposits to total assets	79.0516%	4,711
Equity capital to assets	10.0338%	4,098
Core capital (leverage) ratio	10.1154%	3,421
Tier 1 risk-based capital ratio	15.2811%	2,927
Total risk-based capital ratio	16.3957%	2,910
Memoranda:
Average total assets	$255,062,000	2,473
Average earning assets	$237,804,000	2,456
Average equity	$25,500,500	2,690
Average total loans	$209,209,250	2,059
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3357%	2,031
Cost of funding earning assets	0.6609%	989
Net interest margin	3.6748%	2,800
Noninterest income to average assets	0.3126%	4,537
Noninterest expense to average assets	2.4805%	4,086
Loan and lease loss provision to assets	0.0475%	3,199
Net operating income to assets	0.8232%	3,203
Return on assets (ROA)	0.8540%	3,197
Pretax return on assets	1.2861%	2,460
Return on Equity (ROE)	8.5525%	2,723
Retained earnings to average equity (ytd only)	5.7704%	2,256
Net charge-offs to loans	-0.0019%	4,373
Credit loss provision to net charge-offs	-3,000.0000%	5,255
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	65.8403%	3,701
Assets per employee ($millions)	5.5815%	1,715
Cash dividends to net income (ytd only)*	32.5301%	2,738
Condition Ratios (%)
Loss allowance to loans	0.9059%	4,937
Loan loss allowance to noncurrent loans	223.6873%	2,067
Noncurrent assets plus other real estate owned to assets	0.3338%	4,164
Noncurrent loans to loans	0.4050%	3,910
Net loans and leases to total assets	81.6706%	663
Net loans and leases to deposits	104.9211%	409
Net loans and leases to core deposits	117.4076%	594
Total domestic deposits to total assets	77.8400%	5,029
Equity capital to assets	10.0241%	4,198
Core capital (leverage) ratio	9.9252%	3,654
Tier 1 risk-based capital ratio	14.7844%	3,163
Total risk-based capital ratio	15.8893%	3,175
Memoranda:
Average total assets	$252,695,000	2,511
Average earning assets	$237,564,670	2,476
Average equity	$25,232,330	2,720
Average total loans	$207,816,000	2,074
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2881%	2,172
Cost of funding earning assets	0.6449%	1,082
Net interest margin	3.6432%	2,915
Noninterest income to average assets	0.2170%	5,186
Noninterest expense to average assets	2.5037%	4,058
Loan and lease loss provision to assets	0.0000%	3,656
Net operating income to assets	0.7723%	3,385
Return on assets (ROA)	0.7723%	3,491
Pretax return on assets	1.1569%	2,865
Return on Equity (ROE)	7.7502%	3,063
Retained earnings to average equity (ytd only)	2.1297%	4,405
Net charge-offs to loans	-0.0019%	4,117
Credit loss provision to net charge-offs	0.0000%	2,416
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	68.3958%	3,398
Assets per employee ($millions)	5.5695%	1,770
Cash dividends to net income (ytd only)*	72.5207%	1,141
Condition Ratios (%)
Loss allowance to loans	0.8858%	5,105
Loan loss allowance to noncurrent loans	214.8148%	2,125
Noncurrent assets plus other real estate owned to assets	0.3372%	4,210
Noncurrent loans to loans	0.4123%	3,954
Net loans and leases to total assets	81.0633%	676
Net loans and leases to deposits	103.9642%	413
Net loans and leases to core deposits	112.4893%	730
Total domestic deposits to total assets	77.9722%	5,152
Equity capital to assets	9.7875%	4,360
Core capital (leverage) ratio	10.0442%	3,478
Tier 1 risk-based capital ratio	14.4018%	3,443
Total risk-based capital ratio	15.4686%	3,486
Memoranda:
Average total assets	$250,667,000	2,535
Average earning assets	$236,934,500	2,493
Average equity	$24,980,000	2,746
Average total loans	$205,920,500	2,090
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3204%	2,147
Cost of funding earning assets	0.6206%	1,233
Net interest margin	3.6998%	2,749
Noninterest income to average assets	0.3228%	4,589
Noninterest expense to average assets	2.5910%	3,959
Loan and lease loss provision to assets	0.0000%	4,380
Net operating income to assets	0.7919%	3,369
Return on assets (ROA)	0.7966%	3,434
Pretax return on assets	1.1935%	2,682
Return on Equity (ROE)	8.0866%	2,914
Retained earnings to average equity (ytd only)	6.7131%	1,429
Net charge-offs to loans	0.0755%	2,749
Credit loss provision to net charge-offs	0.0000%	3,899
Earnings coverage of net charge-offs (x)	19.6259%	1,934
Efficiency ratio	68.5901%	3,465
Assets per employee ($millions)	5.2157%	2,103
Cash dividends to net income (ytd only)*	16.9850%	3,875
Condition Ratios (%)
Loss allowance to loans	0.9169%	5,021
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.2815%	4,459
Noncurrent loans to loans	0.0000%	5,583
Net loans and leases to total assets	81.7699%	619
Net loans and leases to deposits	103.1419%	483
Net loans and leases to core deposits	107.9348%	975
Total domestic deposits to total assets	79.2791%	4,908
Equity capital to assets	10.1514%	3,804
Core capital (leverage) ratio	10.2252%	3,233
Tier 1 risk-based capital ratio	14.8691%	3,233
Total risk-based capital ratio	15.9758%	3,250
Memoranda:
Average total assets	$243,149,400	2,552
Average earning assets	$227,041,000	2,529
Average equity	$23,953,200	2,790
Average total loans	$194,786,600	2,124
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2912%	2,261
Cost of funding earning assets	0.6165%	1,302
Net interest margin	3.6747%	2,871
Noninterest income to average assets	0.3181%	4,663
Noninterest expense to average assets	2.5935%	3,906
Loan and lease loss provision to assets	0.0000%	4,232
Net operating income to assets	0.7701%	3,577
Return on assets (ROA)	0.7764%	3,636
Pretax return on assets	1.1632%	2,953
Return on Equity (ROE)	7.9424%	3,106
Retained earnings to average equity (ytd only)	6.0931%	2,187
Net charge-offs to loans	0.0753%	2,487
Credit loss provision to net charge-offs	0.0000%	3,517
Earnings coverage of net charge-offs (x)	19.2660%	1,952
Efficiency ratio	69.2082%	3,338
Assets per employee ($millions)	5.1572%	2,106
Cash dividends to net income (ytd only)*	23.2841%	3,098
Condition Ratios (%)
Loss allowance to loans	0.9559%	4,957
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.2847%	4,626
Noncurrent loans to loans	0.0000%	5,684
Net loans and leases to total assets	80.9159%	709
Net loans and leases to deposits	100.2786%	643
Net loans and leases to core deposits	104.4878%	1,199
Total domestic deposits to total assets	80.6910%	4,551
Equity capital to assets	10.0677%	4,082
Core capital (leverage) ratio	10.1841%	3,392
Tier 1 risk-based capital ratio	14.9981%	3,291
Total risk-based capital ratio	16.1617%	3,288
Memoranda:
Average total assets	$242,652,000	2,575
Average earning assets	$226,441,250	2,556
Average equity	$23,720,250	2,831
Average total loans	$192,907,000	2,150
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2604%	2,323
Cost of funding earning assets	0.6100%	1,345
Net interest margin	3.6504%	2,906
Noninterest income to average assets	0.3230%	4,638
Noninterest expense to average assets	2.5781%	3,982
Loan and lease loss provision to assets	0.0000%	4,069
Net operating income to assets	0.7635%	3,574
Return on assets (ROA)	0.7646%	3,669
Pretax return on assets	1.1436%	2,994
Return on Equity (ROE)	7.9003%	3,111
Retained earnings to average equity (ytd only)	5.0995%	2,794
Net charge-offs to loans	0.0188%	3,320
Credit loss provision to net charge-offs	0.0000%	3,158
Earnings coverage of net charge-offs (x)	77.0000%	724
Efficiency ratio	69.3023%	3,442
Assets per employee ($millions)	4.7003%	2,681
Cash dividends to net income (ytd only)*	35.4526%	2,602
Condition Ratios (%)
Loss allowance to loans	1.0173%	4,781
Loan loss allowance to noncurrent loans	241.6565%	1,925
Noncurrent assets plus other real estate owned to assets	0.3493%	4,492
Noncurrent loans to loans	0.4210%	4,215
Net loans and leases to total assets	82.1415%	539
Net loans and leases to deposits	100.9322%	598
Net loans and leases to core deposits	105.1598%	1,117
Total domestic deposits to total assets	81.3828%	4,491
Equity capital to assets	10.1675%	3,839
Core capital (leverage) ratio	10.3223%	3,189
Tier 1 risk-based capital ratio	15.0553%	3,329
Total risk-based capital ratio	16.3044%	3,265
Memoranda:
Average total assets	$242,739,330	2,593
Average earning assets	$225,892,000	2,576
Average equity	$23,492,670	2,864
Average total loans	$191,201,000	2,170
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2120%	2,405
Cost of funding earning assets	0.6212%	1,295
Net interest margin	3.5908%	3,046
Noninterest income to average assets	0.2741%	4,984
Noninterest expense to average assets	2.5353%	4,155
Loan and lease loss provision to assets	0.0000%	3,703
Net operating income to assets	0.7131%	3,738
Return on assets (ROA)	0.7153%	3,852
Pretax return on assets	1.0706%	3,214
Return on Equity (ROE)	7.5736%	3,180
Retained earnings to average equity (ytd only)	1.9234%	4,704
Net charge-offs to loans	-0.0021%	4,356
Credit loss provision to net charge-offs	0.0000%	2,491
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.3737%	3,415
Assets per employee ($millions)	5.2396%	2,064
Cash dividends to net income (ytd only)*	74.6032%	1,078
Condition Ratios (%)
Loss allowance to loans	1.0637%	4,692
Loan loss allowance to noncurrent loans	198.9076%	2,233
Noncurrent assets plus other real estate owned to assets	0.4004%	4,425
Noncurrent loans to loans	0.5348%	3,974
Net loans and leases to total assets	74.0750%	1,487
Net loans and leases to deposits	88.7464%	1,536
Net loans and leases to core deposits	92.1561%	1,932
Total domestic deposits to total assets	83.4681%	4,015
Equity capital to assets	9.3093%	4,949
Core capital (leverage) ratio	9.5458%	4,207
Tier 1 risk-based capital ratio	14.6766%	3,616
Total risk-based capital ratio	15.9265%	3,539
Memoranda:
Average total assets	$246,602,000	2,589
Average earning assets	$228,583,000	2,570
Average equity	$23,291,500	2,903
Average total loans	$189,287,500	2,189
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4824%	1,945
Cost of funding earning assets	0.6489%	1,413
Net interest margin	3.8336%	2,499
Noninterest income to average assets	0.2593%	5,277
Noninterest expense to average assets	2.6128%	4,169
Loan and lease loss provision to assets	0.0262%	4,085
Net operating income to assets	0.8249%	3,255
Return on assets (ROA)	0.8264%	3,340
Pretax return on assets	1.2385%	2,493
Return on Equity (ROE)	8.6505%	2,760
Retained earnings to average equity (ytd only)	7.2613%	1,290
Net charge-offs to loans	0.0751%	3,412
Credit loss provision to net charge-offs	43.7956%	3,610
Earnings coverage of net charge-offs (x)	21.1095%	1,693
Efficiency ratio	67.4214%	3,999
Assets per employee ($millions)	5.1426%	2,131
Cash dividends to net income (ytd only)*	16.0592%	3,947
Condition Ratios (%)
Loss allowance to loans	1.0522%	4,801
Loan loss allowance to noncurrent loans	272.7520%	1,767
Noncurrent assets plus other real estate owned to assets	0.3037%	4,824
Noncurrent loans to loans	0.3858%	4,485
Net loans and leases to total assets	77.8934%	1,011
Net loans and leases to deposits	94.7676%	1,015
Net loans and leases to core deposits	99.1129%	1,458
Total domestic deposits to total assets	82.1942%	4,352
Equity capital to assets	9.5862%	4,610
Core capital (leverage) ratio	9.7674%	3,874
Tier 1 risk-based capital ratio	14.2799%	3,914
Total risk-based capital ratio	15.5060%	3,858
Memoranda:
Average total assets	$229,067,400	2,711
Average earning assets	$216,066,000	2,653
Average equity	$21,883,200	2,961
Average total loans	$182,354,200	2,206
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4993%	1,873
Cost of funding earning assets	0.6474%	1,473
Net interest margin	3.8519%	2,427
Noninterest income to average assets	0.2473%	5,440
Noninterest expense to average assets	2.6482%	4,021
Loan and lease loss provision to assets	0.0177%	4,058
Net operating income to assets	0.8184%	3,352
Return on assets (ROA)	0.8204%	3,431
Pretax return on assets	1.2294%	2,655
Return on Equity (ROE)	8.5954%	2,907
Retained earnings to average equity (ytd only)	6.7155%	1,973
Net charge-offs to loans	0.0857%	2,984
Credit loss provision to net charge-offs	25.8621%	3,509
Earnings coverage of net charge-offs (x)	18.1728%	1,858
Efficiency ratio	68.0364%	3,845
Assets per employee ($millions)	5.1593%	2,066
Cash dividends to net income (ytd only)*	21.8703%	3,139
Condition Ratios (%)
Loss allowance to loans	1.0442%	5,017
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,218
Noncurrent loans to loans	0.0000%	6,061
Net loans and leases to total assets	79.5834%	757
Net loans and leases to deposits	97.0162%	792
Net loans and leases to core deposits	101.7914%	1,226
Total domestic deposits to total assets	82.0311%	4,466
Equity capital to assets	9.3866%	4,941
Core capital (leverage) ratio	9.6932%	4,088
Tier 1 risk-based capital ratio	13.8217%	4,343
Total risk-based capital ratio	15.0498%	4,287
Memoranda:
Average total assets	$225,908,750	2,753
Average earning assets	$213,775,250	2,689
Average equity	$21,561,500	2,998
Average total loans	$180,374,750	2,240
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5007%	1,832
Cost of funding earning assets	0.6461%	1,538
Net interest margin	3.8546%	2,363
Noninterest income to average assets	0.2359%	5,511
Noninterest expense to average assets	2.6807%	3,939
Loan and lease loss provision to assets	0.0000%	4,196
Net operating income to assets	0.8074%	3,283
Return on assets (ROA)	0.8104%	3,380
Pretax return on assets	1.2130%	2,606
Return on Equity (ROE)	8.4416%	2,869
Retained earnings to average equity (ytd only)	5.5902%	2,588
Net charge-offs to loans	0.1108%	2,555
Credit loss provision to net charge-offs	0.0000%	3,401
Earnings coverage of net charge-offs (x)	13.6939%	1,959
Efficiency ratio	68.9280%	3,845
Assets per employee ($millions)	4.9942%	2,224
Cash dividends to net income (ytd only)*	33.7778%	2,641
Condition Ratios (%)
Loss allowance to loans	1.0840%	4,969
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,288
Noncurrent loans to loans	0.0000%	6,120
Net loans and leases to total assets	78.6839%	829
Net loans and leases to deposits	95.9331%	807
Net loans and leases to core deposits	101.1052%	1,198
Total domestic deposits to total assets	82.0195%	4,639
Equity capital to assets	9.4784%	4,771
Core capital (leverage) ratio	9.8876%	3,763
Tier 1 risk-based capital ratio	13.9438%	4,288
Total risk-based capital ratio	15.1939%	4,231
Memoranda:
Average total assets	$222,102,670	2,794
Average earning assets	$210,499,670	2,734
Average equity	$21,323,000	3,021
Average total loans	$176,877,670	2,268
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3907%	2,167
Cost of funding earning assets	0.6562%	1,547
Net interest margin	3.7345%	2,728
Noninterest income to average assets	0.1832%	5,865
Noninterest expense to average assets	2.7248%	3,852
Loan and lease loss provision to assets	0.0000%	3,817
Net operating income to assets	0.6737%	3,824
Return on assets (ROA)	0.6762%	3,894
Pretax return on assets	1.0078%	3,290
Return on Equity (ROE)	6.9963%	3,476
Retained earnings to average equity (ytd only)	1.2324%	5,117
Net charge-offs to loans	0.2277%	1,411
Credit loss provision to net charge-offs	0.0000%	2,688
Earnings coverage of net charge-offs (x)	5.5354%	2,361
Efficiency ratio	73.0713%	3,304
Assets per employee ($millions)	4.7014%	2,659
Cash dividends to net income (ytd only)*	82.3848%	920
Condition Ratios (%)
Loss allowance to loans	1.1327%	4,965
Loan loss allowance to noncurrent loans	160.3239%	2,528
Noncurrent assets plus other real estate owned to assets	0.5589%	4,474
Noncurrent loans to loans	0.7065%	4,104
Net loans and leases to total assets	78.2091%	744
Net loans and leases to deposits	95.6656%	676
Net loans and leases to core deposits	101.7786%	999
Total domestic deposits to total assets	81.7526%	5,014
Equity capital to assets	9.5747%	4,396
Core capital (leverage) ratio	9.8178%	3,830
Tier 1 risk-based capital ratio	14.1773%	4,207
Total risk-based capital ratio	15.4283%	4,155
Memoranda:
Average total assets	$218,288,000	2,849
Average earning assets	$207,257,500	2,775
Average equity	$21,097,000	3,039
Average total loans	$173,945,000	2,298
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6402%	1,743
Cost of funding earning assets	0.7028%	1,794
Net interest margin	3.9374%	2,146
Noninterest income to average assets	0.3343%	4,941
Noninterest expense to average assets	2.9038%	3,363
Loan and lease loss provision to assets	0.0796%	3,515
Net operating income to assets	0.7273%	3,670
Return on assets (ROA)	0.7396%	3,692
Pretax return on assets	1.1048%	2,931
Return on Equity (ROE)	7.7801%	3,156
Retained earnings to average equity (ytd only)	7.7801%	1,127
Net charge-offs to loans	0.1052%	3,778
Credit loss provision to net charge-offs	95.3757%	2,623
Earnings coverage of net charge-offs (x)	13.9711%	1,974
Efficiency ratio	71.3490%	3,598
Assets per employee ($millions)	4.5874%	2,743
Cash dividends to net income (ytd only)*	0.0000%	4,285
Condition Ratios (%)
Loss allowance to loans	1.2011%	4,654
Loan loss allowance to noncurrent loans	153.3186%	2,632
Noncurrent assets plus other real estate owned to assets	0.6289%	4,349
Noncurrent loans to loans	0.7834%	4,013
Net loans and leases to total assets	79.3171%	669
Net loans and leases to deposits	95.9308%	739
Net loans and leases to core deposits	102.0522%	1,023
Total domestic deposits to total assets	82.6815%	4,646
Equity capital to assets	9.7571%	4,093
Core capital (leverage) ratio	10.1386%	3,379
Tier 1 risk-based capital ratio	14.2750%	4,098
Total risk-based capital ratio	15.5264%	4,042
Memoranda:
Average total assets	$207,278,000	2,945
Average earning assets	$196,651,800	2,865
Average equity	$19,704,200	3,188
Average total loans	$164,378,800	2,364
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6699%	1,679
Cost of funding earning assets	0.7179%	1,823
Net interest margin	3.9520%	2,105
Noninterest income to average assets	0.3561%	4,846
Noninterest expense to average assets	2.9389%	3,171
Loan and lease loss provision to assets	0.0780%	3,501
Net operating income to assets	0.7283%	3,711
Return on assets (ROA)	0.7414%	3,769
Pretax return on assets	1.1072%	3,086
Return on Equity (ROE)	7.8535%	3,198
Retained earnings to average equity (ytd only)	7.8535%	1,478
Net charge-offs to loans	0.0756%	3,863
Credit loss provision to net charge-offs	130.4348%	1,809
Earnings coverage of net charge-offs (x)	19.5006%	1,627
Efficiency ratio	71.6004%	3,484
Assets per employee ($millions)	4.4681%	2,934
Cash dividends to net income (ytd only)*	0.0000%	3,738
Condition Ratios (%)
Loss allowance to loans	1.2601%	4,592
Loan loss allowance to noncurrent loans	159.3821%	2,418
Noncurrent assets plus other real estate owned to assets	0.6319%	4,544
Noncurrent loans to loans	0.7906%	4,265
Net loans and leases to total assets	78.9161%	659
Net loans and leases to deposits	94.6729%	776
Net loans and leases to core deposits	102.4829%	959
Total domestic deposits to total assets	83.3566%	4,438
Equity capital to assets	9.4153%	4,651
Core capital (leverage) ratio	9.6620%	4,156
Tier 1 risk-based capital ratio	13.9588%	4,463
Total risk-based capital ratio	15.2119%	4,409
Memoranda:
Average total assets	$205,195,500	2,988
Average earning assets	$194,630,000	2,921
Average equity	$19,371,000	3,265
Average total loans	$162,200,250	2,406
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7029%	1,562
Cost of funding earning assets	0.7257%	1,879
Net interest margin	3.9771%	1,939
Noninterest income to average assets	0.4273%	4,323
Noninterest expense to average assets	2.9637%	3,109
Loan and lease loss provision to assets	0.0884%	3,309
Net operating income to assets	0.7799%	3,407
Return on assets (ROA)	0.7996%	3,450
Pretax return on assets	1.1945%	2,701
Return on Equity (ROE)	8.4627%	2,871
Retained earnings to average equity (ytd only)	8.4627%	1,309
Net charge-offs to loans	0.0225%	4,387
Credit loss provision to net charge-offs	500.0000%	543
Earnings coverage of net charge-offs (x)	70.8889%	633
Efficiency ratio	70.2772%	3,777
Assets per employee ($millions)	4.5431%	2,753
Cash dividends to net income (ytd only)*	0.0000%	3,522
Condition Ratios (%)
Loss allowance to loans	1.3129%	4,438
Loan loss allowance to noncurrent loans	773.8351%	585
Noncurrent assets plus other real estate owned to assets	0.1335%	6,084
Noncurrent loans to loans	0.1697%	5,896
Net loans and leases to total assets	77.6549%	788
Net loans and leases to deposits	92.6649%	910
Net loans and leases to core deposits	100.3016%	1,052
Total domestic deposits to total assets	83.8019%	4,405
Equity capital to assets	9.3071%	4,847
Core capital (leverage) ratio	9.4917%	4,258
Tier 1 risk-based capital ratio	13.9971%	4,432
Total risk-based capital ratio	15.2510%	4,387
Memoranda:
Average total assets	$203,594,330	3,029
Average earning assets	$194,009,330	2,942
Average equity	$19,237,330	3,300
Average total loans	$160,321,000	2,436
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6748%	1,606
Cost of funding earning assets	0.7205%	2,058
Net interest margin	3.9543%	1,938
Noninterest income to average assets	0.4599%	4,050
Noninterest expense to average assets	2.9786%	3,059
Loan and lease loss provision to assets	0.0896%	3,168
Net operating income to assets	0.7863%	3,237
Return on assets (ROA)	0.8263%	3,163
Pretax return on assets	1.2324%	2,460
Return on Equity (ROE)	8.6770%	2,638
Retained earnings to average equity (ytd only)	8.6770%	1,500
Net charge-offs to loans	0.0480%	3,362
Credit loss provision to net charge-offs	236.8421%	961
Earnings coverage of net charge-offs (x)	33.3684%	905
Efficiency ratio	70.2347%	3,931
Assets per employee ($millions)	4.6817%	2,683
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	1.3038%	4,675
Loan loss allowance to noncurrent loans	746.6431%	607
Noncurrent assets plus other real estate owned to assets	0.1343%	6,170
Noncurrent loans to loans	0.1746%	5,966
Net loans and leases to total assets	75.9222%	852
Net loans and leases to deposits	90.5293%	913
Net loans and leases to core deposits	97.5882%	1,109
Total domestic deposits to total assets	83.8647%	4,535
Equity capital to assets	9.1705%	5,287
Core capital (leverage) ratio	9.7928%	3,671
Tier 1 risk-based capital ratio	13.6400%	4,765
Total risk-based capital ratio	14.8928%	4,729
Memoranda:
Average total assets	$200,901,000	3,088
Average earning assets	$192,092,500	2,987
Average equity	$19,131,000	3,358
Average total loans	$158,260,000	2,476
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1044%	1,303
Cost of funding earning assets	0.9152%	1,844
Net interest margin	4.1892%	1,689
Noninterest income to average assets	0.3974%	4,635
Noninterest expense to average assets	2.8216%	3,942
Loan and lease loss provision to assets	0.1771%	3,411
Net operating income to assets	0.8963%	2,838
Return on assets (ROA)	0.9330%	2,879
Pretax return on assets	1.4035%	2,028
Return on Equity (ROE)	9.1646%	2,551
Retained earnings to average equity (ytd only)	9.1646%	776
Net charge-offs to loans	0.0177%	5,669
Credit loss provision to net charge-offs	1,260.0000%	200
Earnings coverage of net charge-offs (x)	108.5200%	355
Efficiency ratio	64.9166%	4,720
Assets per employee ($millions)	4.7782%	2,525
Cash dividends to net income (ytd only)*	0.0000%	4,298
Condition Ratios (%)
Loss allowance to loans	1.3512%	4,397
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,725
Noncurrent loans to loans	0.0000%	6,599
Net loans and leases to total assets	79.7224%	499
Net loans and leases to deposits	97.0355%	559
Net loans and leases to core deposits	105.1814%	726
Total domestic deposits to total assets	82.1579%	5,041
Equity capital to assets	9.9107%	4,293
Core capital (leverage) ratio	10.2525%	3,073
Tier 1 risk-based capital ratio	14.0078%	4,378
Total risk-based capital ratio	15.2612%	4,339
Memoranda:
Average total assets	$177,911,400	3,337
Average earning assets	$167,718,800	3,260
Average equity	$18,113,200	3,449
Average total loans	$141,363,200	2,698
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1923%	1,215
Cost of funding earning assets	0.9743%	1,712
Net interest margin	4.2181%	1,687
Noninterest income to average assets	0.3703%	4,867
Noninterest expense to average assets	2.8146%	3,935
Loan and lease loss provision to assets	0.1527%	3,622
Net operating income to assets	0.8944%	3,007
Return on assets (ROA)	0.9186%	3,115
Pretax return on assets	1.3836%	2,288
Return on Equity (ROE)	8.9577%	2,825
Retained earnings to average equity (ytd only)	8.9577%	1,246
Net charge-offs to loans	0.0048%	5,693
Credit loss provision to net charge-offs	4,000.0000%	70
Earnings coverage of net charge-offs (x)	392.5937%	117
Efficiency ratio	65.2389%	4,586
Assets per employee ($millions)	4.9276%	2,284
Cash dividends to net income (ytd only)*	0.0000%	3,713
Condition Ratios (%)
Loss allowance to loans	1.3695%	4,500
Loan loss allowance to noncurrent loans	341.6810%	1,097
Noncurrent assets plus other real estate owned to assets	0.3198%	5,895
Noncurrent loans to loans	0.4008%	5,652
Net loans and leases to total assets	78.6853%	653
Net loans and leases to deposits	96.2057%	645
Net loans and leases to core deposits	103.4364%	898
Total domestic deposits to total assets	81.7886%	5,092
Equity capital to assets	10.1673%	4,248
Core capital (leverage) ratio	10.2306%	3,255
Tier 1 risk-based capital ratio	14.4523%	4,218
Total risk-based capital ratio	15.7062%	4,183
Memoranda:
Average total assets	$174,607,500	3,420
Average earning assets	$163,261,750	3,362
Average equity	$17,906,000	3,518
Average total loans	$138,089,500	2,774
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2179%	1,205
Cost of funding earning assets	1.0179%	1,664
Net interest margin	4.2000%	1,753
Noninterest income to average assets	0.3720%	4,861
Noninterest expense to average assets	2.8447%	3,851
Loan and lease loss provision to assets	0.1569%	3,552
Net operating income to assets	0.8525%	3,125
Return on assets (ROA)	0.8893%	3,224
Pretax return on assets	1.3404%	2,424
Return on Equity (ROE)	8.6462%	2,969
Retained earnings to average equity (ytd only)	8.6462%	1,401
Net charge-offs to loans	-0.0029%	6,117
Credit loss provision to net charge-offs	-6,750.0000%	6,580
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	66.3683%	4,471
Assets per employee ($millions)	4.7725%	2,475
Cash dividends to net income (ytd only)*	0.0000%	3,523
Condition Ratios (%)
Loss allowance to loans	1.4054%	4,442
Loan loss allowance to noncurrent loans	389.1348%	937
Noncurrent assets plus other real estate owned to assets	0.2815%	6,070
Noncurrent loans to loans	0.3612%	5,822
Net loans and leases to total assets	76.8374%	861
Net loans and leases to deposits	93.3915%	823
Net loans and leases to core deposits	101.0230%	1,039
Total domestic deposits to total assets	82.2745%	5,025
Equity capital to assets	10.2338%	4,016
Core capital (leverage) ratio	10.3105%	3,036
Tier 1 risk-based capital ratio	14.7859%	3,902
Total risk-based capital ratio	16.0407%	3,866
Memoranda:
Average total assets	$172,036,670	3,471
Average earning assets	$160,334,000	3,421
Average equity	$17,695,670	3,542
Average total loans	$135,635,670	2,825
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2835%	1,132
Cost of funding earning assets	1.0496%	1,678
Net interest margin	4.2339%	1,656
Noninterest income to average assets	0.3464%	5,092
Noninterest expense to average assets	2.8557%	3,799
Loan and lease loss provision to assets	0.1060%	4,020
Net operating income to assets	0.8812%	3,012
Return on assets (ROA)	0.8812%	3,232
Pretax return on assets	1.3289%	2,431
Return on Equity (ROE)	8.5447%	3,037
Retained earnings to average equity (ytd only)	8.5447%	1,764
Net charge-offs to loans	-0.0030%	5,742
Credit loss provision to net charge-offs	-4,500.0000%	6,187
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	66.5568%	4,449
Assets per employee ($millions)	4.7992%	2,509
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	1.3594%	4,770
Loan loss allowance to noncurrent loans	371.5726%	908
Noncurrent assets plus other real estate owned to assets	0.2871%	6,174
Noncurrent loans to loans	0.3659%	5,940
Net loans and leases to total assets	77.4013%	648
Net loans and leases to deposits	94.8923%	608
Net loans and leases to core deposits	103.0191%	810
Total domestic deposits to total assets	81.5675%	5,438
Equity capital to assets	10.2430%	3,797
Core capital (leverage) ratio	10.4351%	2,829
Tier 1 risk-based capital ratio	14.6258%	4,004
Total risk-based capital ratio	15.8790%	3,960
Memoranda:
Average total assets	$169,764,000	3,520
Average earning assets	$158,151,500	3,471
Average equity	$17,508,000	3,571
Average total loans	$134,646,000	2,860
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6524%	864
Cost of funding earning assets	1.2509%	1,730
Net interest margin	4.4015%	1,396
Noninterest income to average assets	0.2082%	6,028
Noninterest expense to average assets	2.9466%	3,787
Loan and lease loss provision to assets	0.3255%	3,082
Net operating income to assets	0.6197%	3,888
Return on assets (ROA)	0.6865%	3,738
Pretax return on assets	1.0340%	3,106
Return on Equity (ROE)	6.4471%	3,673
Retained earnings to average equity (ytd only)	6.4471%	1,774
Net charge-offs to loans	0.0992%	5,357
Credit loss provision to net charge-offs	413.9344%	557
Earnings coverage of net charge-offs (x)	16.0000%	1,361
Efficiency ratio	70.0751%	3,945
Assets per employee ($millions)	4.7645%	2,497
Cash dividends to net income (ytd only)*	0.0000%	4,078
Condition Ratios (%)
Loss allowance to loans	1.3438%	4,690
Loan loss allowance to noncurrent loans	362.2984%	923
Noncurrent assets plus other real estate owned to assets	0.5523%	5,589
Noncurrent loans to loans	0.3709%	5,979
Net loans and leases to total assets	79.1121%	593
Net loans and leases to deposits	97.3243%	603
Net loans and leases to core deposits	105.3445%	829
Total domestic deposits to total assets	81.2871%	5,366
Equity capital to assets	10.3858%	3,673
Core capital (leverage) ratio	10.5208%	2,701
Tier 1 risk-based capital ratio	14.4901%	3,983
Total risk-based capital ratio	15.7433%	3,958
Memoranda:
Average total assets	$155,129,000	3,717
Average earning assets	$140,860,200	3,725
Average equity	$16,519,000	3,650
Average total loans	$122,946,400	3,122
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6890%	866
Cost of funding earning assets	1.2993%	1,709
Net interest margin	4.3896%	1,435
Noninterest income to average assets	0.1971%	6,187
Noninterest expense to average assets	3.0420%	3,390
Loan and lease loss provision to assets	0.2452%	3,553
Net operating income to assets	0.5810%	4,168
Return on assets (ROA)	0.6429%	4,087
Pretax return on assets	0.9687%	3,521
Return on Equity (ROE)	5.9969%	4,021
Retained earnings to average equity (ytd only)	5.9969%	2,556
Net charge-offs to loans	0.1364%	4,692
Credit loss provision to net charge-offs	227.6423%	1,253
Earnings coverage of net charge-offs (x)	10.3981%	1,924
Efficiency ratio	73.0850%	3,349
Assets per employee ($millions)	4.7934%	2,481
Cash dividends to net income (ytd only)*	0.0000%	3,512
Condition Ratios (%)
Loss allowance to loans	1.2156%	5,405
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.3191%	6,271
Noncurrent loans to loans	0.0000%	6,971
Net loans and leases to total assets	78.3319%	679
Net loans and leases to deposits	97.3390%	618
Net loans and leases to core deposits	105.4378%	897
Total domestic deposits to total assets	80.4733%	5,602
Equity capital to assets	10.4585%	3,761
Core capital (leverage) ratio	10.4432%	2,943
Tier 1 risk-based capital ratio	14.7288%	3,819
Total risk-based capital ratio	15.9797%	3,795
Memoranda:
Average total assets	$152,222,000	3,788
Average earning assets	$137,502,000	3,810
Average equity	$16,319,000	3,687
Average total loans	$120,252,500	3,190
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7401%	815
Cost of funding earning assets	1.3647%	1,575
Net interest margin	4.3753%	1,450
Noninterest income to average assets	0.2072%	6,183
Noninterest expense to average assets	3.1069%	3,226
Loan and lease loss provision to assets	0.1480%	4,461
Net operating income to assets	0.5621%	4,256
Return on assets (ROA)	0.6163%	4,109
Pretax return on assets	0.9298%	3,509
Return on Equity (ROE)	5.6976%	4,118
Retained earnings to average equity (ytd only)	5.6976%	2,594
Net charge-offs to loans	0.0000%	5,875
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	75.7297%	3,063
Assets per employee ($millions)	4.8702%	2,300
Cash dividends to net income (ytd only)*	0.0000%	3,290
Condition Ratios (%)
Loss allowance to loans	1.2174%	5,477
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.3733%	6,196
Noncurrent loans to loans	0.0000%	7,026
Net loans and leases to total assets	76.9402%	924
Net loans and leases to deposits	95.0966%	797
Net loans and leases to core deposits	104.1717%	1,032
Total domestic deposits to total assets	80.9074%	5,555
Equity capital to assets	10.4258%	3,611
Core capital (leverage) ratio	11.0536%	2,200
Tier 1 risk-based capital ratio	14.8477%	3,583
Total risk-based capital ratio	16.0993%	3,548
Memoranda:
Average total assets	$148,637,000	3,870
Average earning assets	$132,333,000	3,937
Average equity	$16,077,000	3,718
Average total loans	$117,258,670	3,283
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7160%	850
Cost of funding earning assets	1.4437%	1,419
Net interest margin	4.2722%	1,660
Noninterest income to average assets	0.1992%	6,294
Noninterest expense to average assets	3.1866%	2,939
Loan and lease loss provision to assets	0.1403%	4,251
Net operating income to assets	0.4846%	4,554
Return on assets (ROA)	0.5975%	4,110
Pretax return on assets	0.9032%	3,482
Return on Equity (ROE)	5.4138%	4,194
Retained earnings to average equity (ytd only)	5.4138%	2,952
Net charge-offs to loans	0.0000%	5,107
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	78.5073%	2,768
Assets per employee ($millions)	4.4054%	3,037
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	1.2820%	5,219
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.4127%	6,178
Noncurrent loans to loans	0.0000%	7,094
Net loans and leases to total assets	77.5467%	794
Net loans and leases to deposits	95.9071%	696
Net loans and leases to core deposits	103.0343%	1,128
Total domestic deposits to total assets	80.8560%	5,701
Equity capital to assets	11.2425%	2,468
Core capital (leverage) ratio	11.4243%	1,891
Tier 1 risk-based capital ratio	15.9351%	2,931
Total risk-based capital ratio	17.1874%	2,903
Memoranda:
Average total assets	$142,597,000	4,020
Average earning assets	$128,832,000	4,051
Average equity	$15,737,500	3,763
Average total loans	$113,298,000	3,407
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6884%	1,612
Cost of funding earning assets	1.8087%	1,133
Net interest margin	3.8798%	3,592
Noninterest income to average assets	0.4580%	4,456
Noninterest expense to average assets	2.9091%	4,190
Loan and lease loss provision to assets	0.1262%	5,901
Net operating income to assets	0.7063%	3,208
Return on assets (ROA)	0.7285%	3,234
Pretax return on assets	1.0813%	2,655
Return on Equity (ROE)	6.8749%	3,179
Retained earnings to average equity (ytd only)	6.8749%	1,376
Net charge-offs to loans	0.0332%	6,471
Credit loss provision to net charge-offs	486.1111%	467
Earnings coverage of net charge-offs (x)	45.2222%	511
Efficiency ratio	71.2418%	3,946
Assets per employee ($millions)	4.5102%	2,850
Cash dividends to net income (ytd only)*	0.0000%	3,950
Condition Ratios (%)
Loss allowance to loans	1.2580%	5,208
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.4291%	6,202
Noncurrent loans to loans	0.0000%	7,175
Net loans and leases to total assets	79.3773%	746
Net loans and leases to deposits	97.8341%	734
Net loans and leases to core deposits	105.0816%	1,248
Total domestic deposits to total assets	81.1346%	5,482
Equity capital to assets	10.8220%	2,837
Core capital (leverage) ratio	10.7130%	2,373
Tier 1 risk-based capital ratio	14.9747%	3,268
Total risk-based capital ratio	16.2261%	3,216
Memoranda:
Average total assets	$138,635,800	4,081
Average earning assets	$129,543,800	4,025
Average equity	$14,691,200	3,995
Average total loans	$108,343,000	3,587
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6326%	1,935
Cost of funding earning assets	1.8717%	1,130
Net interest margin	3.7609%	4,133
Noninterest income to average assets	0.3720%	5,178
Noninterest expense to average assets	2.8673%	4,217
Loan and lease loss provision to assets	0.1590%	5,453
Net operating income to assets	0.5965%	3,890
Return on assets (ROA)	0.6149%	3,988
Pretax return on assets	0.9011%	3,552
Return on Equity (ROE)	5.8339%	3,893
Retained earnings to average equity (ytd only)	5.8339%	2,459
Net charge-offs to loans	0.0422%	6,121
Credit loss provision to net charge-offs	485.2941%	606
Earnings coverage of net charge-offs (x)	31.5310%	849
Efficiency ratio	73.5112%	3,413
Assets per employee ($millions)	4.5200%	2,875
Cash dividends to net income (ytd only)*	0.0000%	3,526
Condition Ratios (%)
Loss allowance to loans	1.2811%	5,059
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.4282%	6,353
Noncurrent loans to loans	0.0000%	7,276
Net loans and leases to total assets	77.3214%	1,157
Net loans and leases to deposits	95.2667%	1,075
Net loans and leases to core deposits	101.6637%	1,689
Total domestic deposits to total assets	81.1632%	5,314
Equity capital to assets	10.7323%	3,251
Core capital (leverage) ratio	10.5307%	2,655
Tier 1 risk-based capital ratio	15.0671%	3,221
Total risk-based capital ratio	16.3192%	3,207
Memoranda:
Average total assets	$138,340,500	4,142
Average earning assets	$129,789,750	4,072
Average equity	$14,581,250	4,080
Average total loans	$107,329,500	3,654
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5749%	2,228
Cost of funding earning assets	1.9430%	1,066
Net interest margin	3.6318%	4,679
Noninterest income to average assets	0.3122%	5,669
Noninterest expense to average assets	2.8545%	4,247
Loan and lease loss provision to assets	0.1742%	5,124
Net operating income to assets	0.4791%	4,417
Return on assets (ROA)	0.5067%	4,443
Pretax return on assets	0.7463%	4,077
Return on Equity (ROE)	4.8375%	4,364
Retained earnings to average equity (ytd only)	4.8375%	2,990
Net charge-offs to loans	0.0000%	6,371
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.4386%	2,992
Assets per employee ($millions)	4.7358%	2,526
Cash dividends to net income (ytd only)*	0.0000%	3,319
Condition Ratios (%)
Loss allowance to loans	1.2630%	5,119
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.1971%	6,903
Noncurrent loans to loans	0.0000%	7,347
Net loans and leases to total assets	76.7588%	1,337
Net loans and leases to deposits	94.3921%	1,219
Net loans and leases to core deposits	101.5438%	1,863
Total domestic deposits to total assets	81.3190%	5,282
Equity capital to assets	10.3298%	3,613
Core capital (leverage) ratio	10.4010%	2,711
Tier 1 risk-based capital ratio	14.7485%	3,295
Total risk-based capital ratio	16.0011%	3,269
Memoranda:
Average total assets	$137,747,670	4,180
Average earning assets	$129,796,670	4,091
Average equity	$14,429,000	4,107
Average total loans	$106,523,330	3,704
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5311%	2,451
Cost of funding earning assets	2.0289%	1,004
Net interest margin	3.5022%	5,147
Noninterest income to average assets	0.3570%	5,281
Noninterest expense to average assets	2.8469%	4,292
Loan and lease loss provision to assets	0.2213%	4,285
Net operating income to assets	0.4388%	4,668
Return on assets (ROA)	0.4927%	4,560
Pretax return on assets	0.6726%	4,327
Return on Equity (ROE)	4.6695%	4,549
Retained earnings to average equity (ytd only)	4.6695%	3,340
Net charge-offs to loans	0.0000%	5,609
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.6348%	2,953
Assets per employee ($millions)	4.6526%	2,716
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	1.2659%	5,116
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.2006%	6,963
Noncurrent loans to loans	0.0000%	7,426
Net loans and leases to total assets	75.4383%	1,655
Net loans and leases to deposits	93.4403%	1,414
Net loans and leases to core deposits	100.5107%	2,080
Total domestic deposits to total assets	80.7342%	5,544
Equity capital to assets	10.3182%	3,447
Core capital (leverage) ratio	10.5681%	2,557
Tier 1 risk-based capital ratio	14.8487%	3,183
Total risk-based capital ratio	16.0997%	3,141
Memoranda:
Average total assets	$135,584,000	4,290
Average earning assets	$128,149,000	4,189
Average equity	$14,305,500	4,163
Average total loans	$104,560,000	3,809
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9702%	1,991
Cost of funding earning assets	2.5085%	1,011
Net interest margin	3.4617%	5,122
Noninterest income to average assets	0.3226%	5,781
Noninterest expense to average assets	2.7927%	5,003
Loan and lease loss provision to assets	0.4940%	3,901
Net operating income to assets	0.4329%	3,996
Return on assets (ROA)	0.5755%	3,499
Pretax return on assets	0.4278%	4,404
Return on Equity (ROE)	4.8546%	3,735
Retained earnings to average equity (ytd only)	4.4250%	2,149
Net charge-offs to loans	0.3697%	4,367
Credit loss provision to net charge-offs	171.1765%	2,487
Earnings coverage of net charge-offs (x)	2.7000%	3,755
Efficiency ratio	78.1844%	3,162
Assets per employee ($millions)	4.5376%	2,863
Cash dividends to net income (ytd only)*	8.8496%	3,906
Condition Ratios (%)
Loss allowance to loans	1.2442%	5,099
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.2128%	6,936
Noncurrent loans to loans	0.0000%	7,460
Net loans and leases to total assets	76.9054%	1,604
Net loans and leases to deposits	95.1449%	1,439
Net loans and leases to core deposits	134.2322%	1,039
Total domestic deposits to total assets	80.8297%	5,398
Equity capital to assets	10.7980%	2,871
Core capital (leverage) ratio	11.2892%	2,051
Tier 1 risk-based capital ratio	15.5022%	2,715
Total risk-based capital ratio	16.7539%	2,667
Memoranda:
Average total assets	$117,805,400	4,638
Average earning assets	$110,582,600	4,549
Average equity	$13,966,000	4,259
Average total loans	$91,961,600	4,157
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.0523%	1,830
Cost of funding earning assets	2.6232%	978
Net interest margin	3.4291%	5,149
Noninterest income to average assets	0.3334%	5,821
Noninterest expense to average assets	2.8063%	4,871
Loan and lease loss provision to assets	0.4629%	3,594
Net operating income to assets	0.2740%	4,888
Return on assets (ROA)	0.4699%	4,219
Pretax return on assets	0.4699%	4,616
Return on Equity (ROE)	3.8642%	4,433
Retained earnings to average equity (ytd only)	3.2888%	3,470
Net charge-offs to loans	0.5045%	3,208
Credit loss provision to net charge-offs	117.4556%	4,333
Earnings coverage of net charge-offs (x)	1.8698%	4,407
Efficiency ratio	79.2037%	2,965
Assets per employee ($millions)	4.2475%	3,289
Cash dividends to net income (ytd only)*	14.8887%	3,385
Condition Ratios (%)
Loss allowance to loans	1.1370%	5,496
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.7887%	5,540
Noncurrent loans to loans	0.0000%	7,541
Net loans and leases to total assets	79.8345%	1,204
Net loans and leases to deposits	99.4220%	1,166
Net loans and leases to core deposits	147.6618%	639
Total domestic deposits to total assets	80.2987%	5,335
Equity capital to assets	11.7724%	2,383
Core capital (leverage) ratio	11.8616%	1,855
Tier 1 risk-based capital ratio	16.3094%	2,515
Total risk-based capital ratio	17.5598%	2,447
Memoranda:
Average total assets	$114,359,500	4,736
Average earning assets	$107,042,000	4,682
Average equity	$13,905,250	4,314
Average total loans	$89,333,500	4,268
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9655%	2,322
Cost of funding earning assets	2.6682%	1,117
Net interest margin	3.2973%	5,567
Noninterest income to average assets	0.4236%	5,090
Noninterest expense to average assets	2.7367%	5,233
Loan and lease loss provision to assets	0.3935%	3,558
Net operating income to assets	0.4148%	4,447
Return on assets (ROA)	0.5548%	3,978
Pretax return on assets	0.5548%	4,455
Return on Equity (ROE)	4.5123%	4,296
Retained earnings to average equity (ytd only)	3.6473%	3,270
Net charge-offs to loans	0.2113%	4,193
Credit loss provision to net charge-offs	241.3043%	1,924
Earnings coverage of net charge-offs (x)	4.9565%	2,943
Efficiency ratio	77.2000%	3,480
Assets per employee ($millions)	4.6667%	2,504
Cash dividends to net income (ytd only)*	19.1693%	3,184
Condition Ratios (%)
Loss allowance to loans	1.2883%	4,333
Loan loss allowance to noncurrent loans	2,982.0513%	149
Noncurrent assets plus other real estate owned to assets	0.1320%	7,228
Noncurrent loans to loans	0.0432%	7,432
Net loans and leases to total assets	76.3789%	2,087
Net loans and leases to deposits	96.6496%	1,707
Net loans and leases to core deposits	143.0229%	887
Total domestic deposits to total assets	79.0266%	5,805
Equity capital to assets	11.9091%	2,254
Core capital (leverage) ratio	12.1537%	1,772
Tier 1 risk-based capital ratio	17.0206%	2,296
Total risk-based capital ratio	18.2725%	2,245
Memoranda:
Average total assets	$112,835,670	4,805
Average earning assets	$106,814,000	4,703
Average equity	$13,873,330	4,335
Average total loans	$87,098,000	4,357
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9821%	2,435
Cost of funding earning assets	2.7315%	1,164
Net interest margin	3.2505%	5,689
Noninterest income to average assets	0.3606%	5,554
Noninterest expense to average assets	2.7299%	4,875
Loan and lease loss provision to assets	0.3642%	3,139
Net operating income to assets	0.3606%	5,016
Return on assets (ROA)	0.4075%	5,005
Pretax return on assets	0.4075%	5,374
Return on Equity (ROE)	3.2605%	5,256
Retained earnings to average equity (ytd only)	3.2605%	4,060
Net charge-offs to loans	0.1310%	3,913
Credit loss provision to net charge-offs	360.7143%	1,409
Earnings coverage of net charge-offs (x)	7.1786%	2,381
Efficiency ratio	79.0188%	2,998
Assets per employee ($millions)	4.5627%	2,622
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	1.2728%	4,257
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,674
Noncurrent loans to loans	0.0000%	7,590
Net loans and leases to total assets	75.2102%	2,452
Net loans and leases to deposits	93.3281%	2,380
Net loans and leases to core deposits	137.8418%	1,211
Total domestic deposits to total assets	80.5868%	5,138
Equity capital to assets	12.1657%	2,159
Core capital (leverage) ratio	12.2208%	1,804
Tier 1 risk-based capital ratio	17.5748%	2,168
Total risk-based capital ratio	18.8268%	2,104
Memoranda:
Average total assets	$110,920,000	4,880
Average earning assets	$105,582,500	4,762
Average equity	$13,863,000	4,368
Average total loans	$85,511,000	4,441
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.5900%	2,537
Cost of funding earning assets	3.2742%	995
Net interest margin	3.3158%	5,981
Noninterest income to average assets	0.1378%	7,417
Noninterest expense to average assets	3.1721%	3,441
Loan and lease loss provision to assets	0.3052%	3,933
Net operating income to assets	-0.1725%	6,587
Return on assets (ROA)	-0.1123%	6,365
Pretax return on assets	-0.1123%	6,285
Return on Equity (ROE)	-0.8500%	6,342
Retained earnings to average equity (ytd only)	-0.8500%	5,551
Net charge-offs to loans	0.0556%	5,987
Credit loss provision to net charge-offs	729.2683%	571
Earnings coverage of net charge-offs (x)	3.1707%	4,499
Efficiency ratio	95.9852%	1,157
Assets per employee ($millions)	4.3109%	2,937
Cash dividends to net income (ytd only)*	0.0000%	4,825
Condition Ratios (%)
Loss allowance to loans	1.2279%	4,331
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0705%	7,289
Noncurrent loans to loans	0.0000%	7,569
Net loans and leases to total assets	77.1000%	2,351
Net loans and leases to deposits	96.7221%	2,331
Net loans and leases to core deposits	140.7378%	1,227
Total domestic deposits to total assets	79.7129%	5,125
Equity capital to assets	12.8502%	1,850
Core capital (leverage) ratio	12.8665%	1,587
Tier 1 risk-based capital ratio	17.9946%	2,039
Total risk-based capital ratio	19.2457%	1,985
Memoranda:
Average total assets	$97,979,000	5,116
Average earning assets	$93,581,200	4,978
Average equity	$12,941,800	4,595
Average total loans	$73,797,200	4,748