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Bank of Mauston, Performance and Condition Ratios

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2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1124%	3,778
Cost of funding earning assets	1.5717%	1,769
Net interest margin	2.5407%	4,053
Noninterest income to average assets	0.7900%	968
Noninterest expense to average assets	1.5804%	4,263
Loan and lease loss provision to assets	0.0000%	3,179
Net operating income to assets	1.6867%	752
Return on assets (ROA)	1.6867%	723
Pretax return on assets	1.6867%	1,085
Return on Equity (ROE)	16.1100%	1,077
Retained earnings to average equity (ytd only)	4.3825%	2,836
Net charge-offs to loans	0.0013%	2,799
Credit loss provision to net charge-offs	0.0000%	2,397
Earnings coverage of net charge-offs (x)	2,231.0000%	68
Efficiency ratio	48.3338%	4,074
Assets per employee ($millions)	6.1291%	2,709
Cash dividends to net income (ytd only)*	72.7925%	763
Condition Ratios (%)
Loss allowance to loans	2.2032%	278
Loan loss allowance to noncurrent loans	41,891.6667%	38
Noncurrent assets plus other real estate owned to assets	0.0030%	3,818
Noncurrent loans to loans	0.0053%	3,744
Net loans and leases to total assets	55.1600%	3,267
Net loans and leases to deposits	65.8382%	3,177
Net loans and leases to core deposits	76.7104%	2,931
Total domestic deposits to total assets	83.7900%	2,675
Equity capital to assets	10.9873%	1,488
Core capital (leverage) ratio	12.8873%	1,088
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,896
Memoranda:
Average total assets	$396,802,000	2,024
Average earning assets	$386,780,600	1,958
Average equity	$41,551,400	1,830
Average total loans	$228,103,000	2,112
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0363%	3,788
Cost of funding earning assets	1.4975%	1,615
Net interest margin	2.5388%	4,104
Noninterest income to average assets	0.8100%	922
Noninterest expense to average assets	1.5974%	4,241
Loan and lease loss provision to assets	0.0000%	2,992
Net operating income to assets	1.6873%	811
Return on assets (ROA)	1.6873%	802
Pretax return on assets	1.6873%	1,192
Return on Equity (ROE)	16.3200%	1,197
Retained earnings to average equity (ytd only)	5.3459%	2,828
Net charge-offs to loans	-0.0012%	3,503
Credit loss provision to net charge-offs	0.0000%	2,098
Earnings coverage of net charge-offs (x)	0.0000%	2,572
Efficiency ratio	48.5917%	4,008
Assets per employee ($millions)	5.8299%	2,900
Cash dividends to net income (ytd only)*	67.2403%	729
Condition Ratios (%)
Loss allowance to loans	2.1952%	298
Loan loss allowance to noncurrent loans	3,962.9921%	296
Noncurrent assets plus other real estate owned to assets	0.0325%	3,473
Noncurrent loans to loans	0.0554%	3,359
Net loans and leases to total assets	57.4100%	3,084
Net loans and leases to deposits	69.1521%	2,899
Net loans and leases to core deposits	80.6735%	2,550
Total domestic deposits to total assets	83.0200%	3,012
Equity capital to assets	11.2078%	1,271
Core capital (leverage) ratio	12.1927%	1,343
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,911
Memoranda:
Average total assets	$394,872,250	2,026
Average earning assets	$384,635,250	1,968
Average equity	$40,827,750	1,838
Average total loans	$228,085,500	2,110
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9092%	3,852
Cost of funding earning assets	1.4080%	1,429
Net interest margin	2.5013%	4,208
Noninterest income to average assets	0.7700%	930
Noninterest expense to average assets	1.5473%	4,298
Loan and lease loss provision to assets	0.0000%	2,857
Net operating income to assets	1.6599%	853
Return on assets (ROA)	1.6599%	854
Pretax return on assets	1.6599%	1,295
Return on Equity (ROE)	16.5100%	1,184
Retained earnings to average equity (ytd only)	5.1249%	2,914
Net charge-offs to loans	0.0000%	2,455
Credit loss provision to net charge-offs	0.0000%	1,862
Earnings coverage of net charge-offs (x)	0.0000%	2,403
Efficiency ratio	48.1983%	4,051
Assets per employee ($millions)	5.9497%	2,754
Cash dividends to net income (ytd only)*	68.9571%	779
Condition Ratios (%)
Loss allowance to loans	2.1664%	324
Loan loss allowance to noncurrent loans	3,205.0955%	385
Noncurrent assets plus other real estate owned to assets	0.0394%	3,381
Noncurrent loans to loans	0.0676%	3,216
Net loans and leases to total assets	57.0100%	3,043
Net loans and leases to deposits	68.5599%	2,893
Net loans and leases to core deposits	78.7397%	2,564
Total domestic deposits to total assets	83.1500%	3,011
Equity capital to assets	10.6302%	1,535
Core capital (leverage) ratio	12.4981%	1,169
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,936
Memoranda:
Average total assets	$396,295,667	2,021
Average earning assets	$385,804,000	1,960
Average equity	$39,844,333	1,886
Average total loans	$227,691,000	2,109
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6836%	4,051
Cost of funding earning assets	1.1969%	1,458
Net interest margin	2.4867%	4,319
Noninterest income to average assets	0.7300%	1,008
Noninterest expense to average assets	1.5861%	4,322
Loan and lease loss provision to assets	0.0000%	2,553
Net operating income to assets	1.5733%	1,030
Return on assets (ROA)	1.5733%	1,026
Pretax return on assets	1.5733%	1,523
Return on Equity (ROE)	12.8000%	2,020
Retained earnings to average equity (ytd only)	3.1609%	3,470
Net charge-offs to loans	-0.0018%	3,401
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	50.1713%	3,920
Assets per employee ($millions)	6.2368%	2,549
Cash dividends to net income (ytd only)*	75.2971%	715
Condition Ratios (%)
Loss allowance to loans	2.1849%	332
Loan loss allowance to noncurrent loans	8,754.3860%	187
Noncurrent assets plus other real estate owned to assets	0.0141%	3,712
Noncurrent loans to loans	0.0250%	3,592
Net loans and leases to total assets	55.1100%	3,110
Net loans and leases to deposits	67.2202%	2,833
Net loans and leases to core deposits	76.1179%	2,522
Total domestic deposits to total assets	81.9800%	3,488
Equity capital to assets	12.3788%	902
Core capital (leverage) ratio	12.3593%	1,180
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.9616%	1,378
Memoranda:
Average total assets	$406,535,000	2,022
Average earning assets	$396,675,500	1,947
Average equity	$49,985,000	1,612
Average total loans	$225,397,500	2,135
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4889%	3,107
Cost of funding earning assets	0.3893%	2,180
Net interest margin	3.0996%	3,174
Noninterest income to average assets	0.7400%	1,154
Noninterest expense to average assets	1.5566%	4,359
Loan and lease loss provision to assets	0.0000%	2,926
Net operating income to assets	2.1958%	214
Return on assets (ROA)	2.1958%	205
Pretax return on assets	2.1958%	322
Return on Equity (ROE)	19.0900%	564
Retained earnings to average equity (ytd only)	6.5627%	2,425
Net charge-offs to loans	0.0019%	2,471
Credit loss provision to net charge-offs	0.0000%	1,979
Earnings coverage of net charge-offs (x)	2,208.7500%	75
Efficiency ratio	41.4492%	4,503
Assets per employee ($millions)	6.3699%	2,445
Cash dividends to net income (ytd only)*	65.6254%	783
Condition Ratios (%)
Loss allowance to loans	2.2620%	283
Loan loss allowance to noncurrent loans	9,316.6667%	186
Noncurrent assets plus other real estate owned to assets	0.0132%	3,743
Noncurrent loans to loans	0.0243%	3,620
Net loans and leases to total assets	53.3200%	3,251
Net loans and leases to deposits	64.9529%	2,956
Net loans and leases to core deposits	73.0980%	2,641
Total domestic deposits to total assets	82.0900%	3,615
Equity capital to assets	12.2124%	876
Core capital (leverage) ratio	12.2769%	1,164
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.8062%	1,410
Memoranda:
Average total assets	$402,363,600	2,025
Average earning assets	$391,243,000	1,942
Average equity	$46,277,000	1,723
Average total loans	$210,884,000	2,162
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4339%	2,821
Cost of funding earning assets	0.3189%	1,972
Net interest margin	3.1150%	2,886
Noninterest income to average assets	0.7700%	1,094
Noninterest expense to average assets	1.5722%	4,332
Loan and lease loss provision to assets	0.0000%	2,752
Net operating income to assets	2.2258%	208
Return on assets (ROA)	2.2258%	204
Pretax return on assets	2.2258%	307
Return on Equity (ROE)	19.6600%	464
Retained earnings to average equity (ytd only)	7.9030%	2,039
Net charge-offs to loans	0.0013%	2,269
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	3,347.5000%	36
Efficiency ratio	41.3603%	4,538
Assets per employee ($millions)	6.0081%	2,755
Cash dividends to net income (ytd only)*	59.8058%	877
Condition Ratios (%)
Loss allowance to loans	2.3686%	261
Loan loss allowance to noncurrent loans	5,033.0000%	276
Noncurrent assets plus other real estate owned to assets	0.0248%	3,691
Noncurrent loans to loans	0.0471%	3,542
Net loans and leases to total assets	51.5300%	3,330
Net loans and leases to deposits	60.2955%	3,173
Net loans and leases to core deposits	66.9846%	2,880
Total domestic deposits to total assets	85.4700%	3,185
Equity capital to assets	12.2821%	825
Core capital (leverage) ratio	12.2716%	1,142
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.7701%	1,487
Memoranda:
Average total assets	$401,035,500	2,039
Average earning assets	$389,634,500	1,964
Average equity	$45,399,500	1,766
Average total loans	$208,002,000	2,184
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3343%	2,629
Cost of funding earning assets	0.3099%	1,624
Net interest margin	3.0244%	2,813
Noninterest income to average assets	0.7785%	1,103
Noninterest expense to average assets	1.5574%	4,347
Loan and lease loss provision to assets	0.0000%	2,599
Net operating income to assets	2.1546%	174
Return on assets (ROA)	2.1546%	173
Pretax return on assets	2.1546%	266
Return on Equity (ROE)	19.5903%	336
Retained earnings to average equity (ytd only)	7.4366%	1,837
Net charge-offs to loans	0.0019%	2,037
Credit loss provision to net charge-offs	0.0000%	1,663
Earnings coverage of net charge-offs (x)	2,157.5000%	44
Efficiency ratio	41.9155%	4,573
Assets per employee ($millions)	6.2966%	2,483
Cash dividends to net income (ytd only)*	62.0394%	1,008
Condition Ratios (%)
Loss allowance to loans	2.4256%	281
Loan loss allowance to noncurrent loans	2,443.2039%	465
Noncurrent assets plus other real estate owned to assets	0.0503%	3,488
Noncurrent loans to loans	0.0993%	3,261
Net loans and leases to total assets	49.4686%	3,424
Net loans and leases to deposits	56.7336%	3,324
Net loans and leases to core deposits	62.9588%	3,033
Total domestic deposits to total assets	87.1945%	2,871
Equity capital to assets	11.8228%	935
Core capital (leverage) ratio	12.1825%	1,085
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.7337%	558
Memoranda:
Average total assets	$400,532,000	2,049
Average earning assets	$388,512,333	1,985
Average equity	$44,052,333	1,859
Average total loans	$206,507,667	2,189
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2488%	2,537
Cost of funding earning assets	0.3168%	1,495
Net interest margin	2.9321%	2,728
Noninterest income to average assets	0.7472%	1,179
Noninterest expense to average assets	1.5428%	4,371
Loan and lease loss provision to assets	0.0000%	2,285
Net operating income to assets	2.0456%	205
Return on assets (ROA)	2.0456%	204
Pretax return on assets	2.0456%	326
Return on Equity (ROE)	19.3484%	256
Retained earnings to average equity (ytd only)	6.7806%	1,967
Net charge-offs to loans	0.0039%	1,628
Credit loss provision to net charge-offs	0.0000%	1,336
Earnings coverage of net charge-offs (x)	1,013.0000%	79
Efficiency ratio	42.9657%	4,584
Assets per employee ($millions)	6.1030%	2,709
Cash dividends to net income (ytd only)*	64.9556%	946
Condition Ratios (%)
Loss allowance to loans	2.4145%	312
Loan loss allowance to noncurrent loans	2,385.3081%	482
Noncurrent assets plus other real estate owned to assets	0.0532%	3,512
Noncurrent loans to loans	0.1012%	3,332
Net loans and leases to total assets	51.2783%	3,040
Net loans and leases to deposits	57.3775%	3,138
Net loans and leases to core deposits	63.4436%	2,842
Total domestic deposits to total assets	89.3701%	1,888
Equity capital to assets	9.6987%	2,133
Core capital (leverage) ratio	11.9450%	1,096
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	18.6561%	945
Memoranda:
Average total assets	$396,160,000	2,069
Average earning assets	$383,893,500	2,010
Average equity	$41,884,500	1,977
Average total loans	$206,013,500	2,189
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5535%	2,506
Cost of funding earning assets	0.3823%	1,663
Net interest margin	3.1712%	2,679
Noninterest income to average assets	1.0227%	956
Noninterest expense to average assets	1.6103%	4,413
Loan and lease loss provision to assets	0.0315%	2,424
Net operating income to assets	2.4723%	165
Return on assets (ROA)	2.4765%	170
Pretax return on assets	2.4765%	268
Return on Equity (ROE)	20.9648%	264
Retained earnings to average equity (ytd only)	8.0429%	1,519
Net charge-offs to loans	-0.0045%	3,528
Credit loss provision to net charge-offs	-1,333.3333%	3,981
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	39.1094%	4,700
Assets per employee ($millions)	6.1817%	2,587
Cash dividends to net income (ytd only)*	61.6362%	1,034
Condition Ratios (%)
Loss allowance to loans	2.4733%	292
Loan loss allowance to noncurrent loans	2,622.3958%	426
Noncurrent assets plus other real estate owned to assets	0.0485%	3,649
Noncurrent loans to loans	0.0943%	3,452
Net loans and leases to total assets	50.1840%	3,252
Net loans and leases to deposits	57.9318%	3,262
Net loans and leases to core deposits	64.3010%	2,954
Total domestic deposits to total assets	86.6260%	2,654
Equity capital to assets	11.4489%	1,536
Core capital (leverage) ratio	11.6553%	1,221
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.6295%	803
Memoranda:
Average total assets	$381,546,400	2,058
Average earning assets	$371,945,600	1,997
Average equity	$45,070,800	1,919
Average total loans	$200,958,800	2,228
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5658%	2,647
Cost of funding earning assets	0.3945%	1,734
Net interest margin	3.1713%	2,826
Noninterest income to average assets	1.0577%	979
Noninterest expense to average assets	1.5692%	4,510
Loan and lease loss provision to assets	0.0317%	2,361
Net operating income to assets	2.5472%	203
Return on assets (ROA)	2.5528%	206
Pretax return on assets	2.5528%	313
Return on Equity (ROE)	21.4384%	328
Retained earnings to average equity (ytd only)	9.4959%	1,490
Net charge-offs to loans	-0.0087%	3,614
Credit loss provision to net charge-offs	-692.3077%	3,749
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	37.7944%	4,773
Assets per employee ($millions)	6.2082%	2,493
Cash dividends to net income (ytd only)*	55.7060%	974
Condition Ratios (%)
Loss allowance to loans	2.5804%	254
Loan loss allowance to noncurrent loans	1,201.1990%	700
Noncurrent assets plus other real estate owned to assets	0.1033%	3,416
Noncurrent loans to loans	0.2148%	3,093
Net loans and leases to total assets	46.8637%	3,726
Net loans and leases to deposits	53.5283%	3,778
Net loans and leases to core deposits	59.3797%	3,520
Total domestic deposits to total assets	87.5494%	2,085
Equity capital to assets	11.3149%	1,799
Core capital (leverage) ratio	11.3202%	1,463
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.7901%	851
Memoranda:
Average total assets	$378,026,500	2,092
Average earning assets	$368,376,500	2,030
Average equity	$45,014,750	1,941
Average total loans	$200,304,500	2,270
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7324%	2,249
Cost of funding earning assets	0.4054%	1,840
Net interest margin	3.3269%	2,357
Noninterest income to average assets	1.0841%	950
Noninterest expense to average assets	1.6042%	4,504
Loan and lease loss provision to assets	0.0325%	2,333
Net operating income to assets	2.6851%	176
Return on assets (ROA)	2.6937%	179
Pretax return on assets	2.6937%	262
Return on Equity (ROE)	22.2188%	301
Retained earnings to average equity (ytd only)	10.2188%	1,335
Net charge-offs to loans	-0.0109%	3,700
Credit loss provision to net charge-offs	-545.4545%	3,487
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	37.0820%	4,815
Assets per employee ($millions)	6.2991%	2,328
Cash dividends to net income (ytd only)*	54.0084%	1,111
Condition Ratios (%)
Loss allowance to loans	2.4950%	278
Loan loss allowance to noncurrent loans	1,068.0258%	709
Noncurrent assets plus other real estate owned to assets	0.1174%	3,455
Noncurrent loans to loans	0.2336%	3,113
Net loans and leases to total assets	49.0121%	3,644
Net loans and leases to deposits	55.8736%	3,720
Net loans and leases to core deposits	61.6093%	3,499
Total domestic deposits to total assets	87.7195%	1,974
Equity capital to assets	11.5263%	1,614
Core capital (leverage) ratio	11.9718%	1,100
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.7070%	857
Memoranda:
Average total assets	$369,525,333	2,120
Average earning assets	$359,611,000	2,055
Average equity	$44,800,000	1,940
Average total loans	$202,366,667	2,265
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5665%	2,741
Cost of funding earning assets	0.4235%	1,911
Net interest margin	3.1431%	2,862
Noninterest income to average assets	1.0330%	1,082
Noninterest expense to average assets	1.6220%	4,501
Loan and lease loss provision to assets	0.0337%	2,329
Net operating income to assets	2.4391%	290
Return on assets (ROA)	2.4571%	305
Pretax return on assets	2.4571%	469
Return on Equity (ROE)	19.7250%	554
Retained earnings to average equity (ytd only)	7.5976%	2,385
Net charge-offs to loans	0.0039%	1,779
Credit loss provision to net charge-offs	1,500.0000%	302
Earnings coverage of net charge-offs (x)	1,100.0000%	84
Efficiency ratio	39.5828%	4,755
Assets per employee ($millions)	5.9735%	2,621
Cash dividends to net income (ytd only)*	61.4822%	861
Condition Ratios (%)
Loss allowance to loans	2.4087%	300
Loan loss allowance to noncurrent loans	884.2294%	754
Noncurrent assets plus other real estate owned to assets	0.1531%	3,399
Noncurrent loans to loans	0.2724%	3,128
Net loans and leases to total assets	54.8614%	3,154
Net loans and leases to deposits	62.7236%	3,252
Net loans and leases to core deposits	68.8807%	2,978
Total domestic deposits to total assets	87.4654%	2,111
Equity capital to assets	12.0654%	1,252
Core capital (leverage) ratio	14.4454%	571
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.4145%	866
Memoranda:
Average total assets	$355,867,500	2,158
Average earning assets	$346,667,000	2,092
Average equity	$44,329,500	1,938
Average total loans	$203,811,500	2,256
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3193%	1,810
Cost of funding earning assets	0.5644%	2,539
Net interest margin	3.7549%	1,632
Noninterest income to average assets	1.2613%	712
Noninterest expense to average assets	1.8424%	4,402
Loan and lease loss provision to assets	0.0848%	3,315
Net operating income to assets	2.9767%	94
Return on assets (ROA)	2.9767%	97
Pretax return on assets	2.9767%	124
Return on Equity (ROE)	22.5861%	145
Retained earnings to average equity (ytd only)	8.5783%	885
Net charge-offs to loans	0.0531%	2,029
Credit loss provision to net charge-offs	261.9048%	1,881
Earnings coverage of net charge-offs (x)	94.5714%	816
Efficiency ratio	37.5393%	4,921
Assets per employee ($millions)	5.2629%	3,085
Cash dividends to net income (ytd only)*	62.0197%	1,266
Condition Ratios (%)
Loss allowance to loans	2.4193%	291
Loan loss allowance to noncurrent loans	823.1544%	779
Noncurrent assets plus other real estate owned to assets	0.1727%	3,412
Noncurrent loans to loans	0.2939%	3,143
Net loans and leases to total assets	56.9674%	3,205
Net loans and leases to deposits	66.1262%	3,260
Net loans and leases to core deposits	72.8301%	3,011
Total domestic deposits to total assets	86.1495%	2,304
Equity capital to assets	12.8673%	1,148
Core capital (leverage) ratio	12.5930%	1,013
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.7529%	802
Memoranda:
Average total assets	$324,356,200	2,166
Average earning assets	$314,655,600	2,097
Average equity	$42,747,600	1,915
Average total loans	$197,606,200	2,259
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4418%	1,729
Cost of funding earning assets	0.6029%	2,593
Net interest margin	3.8389%	1,504
Noninterest income to average assets	1.2420%	704
Noninterest expense to average assets	1.9095%	4,314
Loan and lease loss provision to assets	0.1026%	3,035
Net operating income to assets	2.9499%	96
Return on assets (ROA)	2.9499%	101
Pretax return on assets	2.9499%	124
Return on Equity (ROE)	22.2392%	170
Retained earnings to average equity (ytd only)	10.5817%	658
Net charge-offs to loans	0.0706%	1,610
Credit loss provision to net charge-offs	235.5769%	1,982
Earnings coverage of net charge-offs (x)	70.1346%	996
Efficiency ratio	38.4499%	4,928
Assets per employee ($millions)	5.2657%	2,930
Cash dividends to net income (ytd only)*	52.4188%	1,385
Condition Ratios (%)
Loss allowance to loans	2.3996%	263
Loan loss allowance to noncurrent loans	407.4353%	1,257
Noncurrent assets plus other real estate owned to assets	0.3538%	2,731
Noncurrent loans to loans	0.5890%	2,327
Net loans and leases to total assets	57.9552%	3,420
Net loans and leases to deposits	67.9006%	3,475
Net loans and leases to core deposits	74.6067%	3,277
Total domestic deposits to total assets	85.3530%	2,299
Equity capital to assets	13.0144%	1,178
Core capital (leverage) ratio	12.4573%	1,136
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	20.5812%	715
Memoranda:
Average total assets	$318,607,000	2,177
Average earning assets	$308,729,000	2,103
Average equity	$42,260,750	1,923
Average total loans	$196,311,750	2,266
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5991%	1,648
Cost of funding earning assets	0.6657%	2,584
Net interest margin	3.9335%	1,483
Noninterest income to average assets	1.1496%	756
Noninterest expense to average assets	1.8731%	4,455
Loan and lease loss provision to assets	0.1384%	2,631
Net operating income to assets	2.9416%	90
Return on assets (ROA)	2.9416%	95
Pretax return on assets	2.9416%	123
Return on Equity (ROE)	22.0243%	165
Retained earnings to average equity (ytd only)	10.6844%	657
Net charge-offs to loans	0.1082%	1,213
Credit loss provision to net charge-offs	204.7619%	1,888
Earnings coverage of net charge-offs (x)	45.5714%	1,165
Efficiency ratio	37.7778%	4,955
Assets per employee ($millions)	4.9825%	3,190
Cash dividends to net income (ytd only)*	51.4880%	1,507
Condition Ratios (%)
Loss allowance to loans	2.4401%	239
Loan loss allowance to noncurrent loans	378.2201%	1,288
Noncurrent assets plus other real estate owned to assets	0.3879%	2,743
Noncurrent loans to loans	0.6452%	2,253
Net loans and leases to total assets	58.0269%	3,513
Net loans and leases to deposits	68.1255%	3,554
Net loans and leases to core deposits	74.6837%	3,402
Total domestic deposits to total assets	85.1765%	2,323
Equity capital to assets	13.0385%	1,148
Core capital (leverage) ratio	13.1222%	970
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.7237%	804
Memoranda:
Average total assets	$310,720,000	2,190
Average earning assets	$300,447,333	2,127
Average equity	$41,499,667	1,936
Average total loans	$194,002,667	2,263
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4892%	2,338
Cost of funding earning assets	0.7664%	2,567
Net interest margin	3.7228%	2,249
Noninterest income to average assets	0.8116%	1,277
Noninterest expense to average assets	1.7502%	4,723
Loan and lease loss provision to assets	0.0134%	3,613
Net operating income to assets	2.6527%	94
Return on assets (ROA)	2.6527%	94
Pretax return on assets	2.6527%	131
Return on Equity (ROE)	19.6016%	182
Retained earnings to average equity (ytd only)	6.7380%	1,632
Net charge-offs to loans	0.2378%	603
Credit loss provision to net charge-offs	8.7719%	2,233
Earnings coverage of net charge-offs (x)	17.4912%	1,494
Efficiency ratio	39.6306%	4,985
Assets per employee ($millions)	4.6618%	3,049
Cash dividends to net income (ytd only)*	65.6250%	1,275
Condition Ratios (%)
Loss allowance to loans	2.4153%	283
Loan loss allowance to noncurrent loans	365.8768%	1,288
Noncurrent assets plus other real estate owned to assets	0.4706%	2,584
Noncurrent loans to loans	0.6601%	2,336
Net loans and leases to total assets	61.7613%	3,325
Net loans and leases to deposits	72.6637%	3,390
Net loans and leases to core deposits	80.4599%	3,157
Total domestic deposits to total assets	84.9960%	2,410
Equity capital to assets	13.6212%	1,169
Core capital (leverage) ratio	13.3562%	1,083
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.6783%	901
Memoranda:
Average total assets	$299,166,000	2,217
Average earning assets	$289,671,000	2,139
Average equity	$40,486,500	1,969
Average total loans	$191,726,500	2,241
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6441%	2,490
Cost of funding earning assets	0.7518%	2,907
Net interest margin	3.8923%	2,206
Noninterest income to average assets	1.1160%	762
Noninterest expense to average assets	1.9454%	4,618
Loan and lease loss provision to assets	0.0782%	2,433
Net operating income to assets	2.8551%	90
Return on assets (ROA)	2.8551%	93
Pretax return on assets	2.8551%	113
Return on Equity (ROE)	21.9021%	141
Retained earnings to average equity (ytd only)	5.7656%	1,995
Net charge-offs to loans	0.0711%	2,084
Credit loss provision to net charge-offs	167.8832%	1,542
Earnings coverage of net charge-offs (x)	62.9854%	954
Efficiency ratio	39.8411%	5,070
Assets per employee ($millions)	4.4744%	3,267
Cash dividends to net income (ytd only)*	73.6754%	1,007
Condition Ratios (%)
Loss allowance to loans	2.4709%	223
Loan loss allowance to noncurrent loans	372.6200%	1,256
Noncurrent assets plus other real estate owned to assets	0.4846%	2,471
Noncurrent loans to loans	0.6631%	2,233
Net loans and leases to total assets	63.3012%	3,277
Net loans and leases to deposits	73.9462%	3,359
Net loans and leases to core deposits	81.4966%	3,179
Total domestic deposits to total assets	85.6044%	2,233
Equity capital to assets	13.4427%	1,303
Core capital (leverage) ratio	13.2850%	1,122
Tier 1 risk-based capital ratio	17.8357%	1,802
Total risk-based capital ratio	19.0964%	1,753
Memoranda:
Average total assets	$294,173,800	2,193
Average earning assets	$284,380,200	2,119
Average equity	$38,348,000	1,997
Average total loans	$192,766,600	2,220
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6553%	2,545
Cost of funding earning assets	0.7521%	2,959
Net interest margin	3.9032%	2,241
Noninterest income to average assets	0.9881%	960
Noninterest expense to average assets	1.9013%	4,699
Loan and lease loss provision to assets	0.0953%	2,012
Net operating income to assets	2.7633%	109
Return on assets (ROA)	2.7633%	114
Pretax return on assets	2.7633%	158
Return on Equity (ROE)	21.3655%	186
Retained earnings to average equity (ytd only)	7.2224%	1,746
Net charge-offs to loans	0.0870%	1,606
Credit loss provision to net charge-offs	166.6667%	1,505
Earnings coverage of net charge-offs (x)	50.0067%	1,190
Efficiency ratio	39.9066%	5,128
Assets per employee ($millions)	4.4814%	3,241
Cash dividends to net income (ytd only)*	66.1961%	1,065
Condition Ratios (%)
Loss allowance to loans	2.5127%	213
Loan loss allowance to noncurrent loans	316.9685%	1,445
Noncurrent assets plus other real estate owned to assets	0.5012%	2,519
Noncurrent loans to loans	0.7927%	1,995
Net loans and leases to total assets	61.0680%	3,582
Net loans and leases to deposits	71.4225%	3,645
Net loans and leases to core deposits	78.2645%	3,529
Total domestic deposits to total assets	85.5025%	2,208
Equity capital to assets	13.2066%	1,508
Core capital (leverage) ratio	12.8859%	1,387
Tier 1 risk-based capital ratio	18.0887%	1,789
Total risk-based capital ratio	19.3498%	1,747
Memoranda:
Average total assets	$293,889,250	2,210
Average earning assets	$283,996,000	2,139
Average equity	$38,010,500	2,025
Average total loans	$193,040,250	2,237
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6728%	2,442
Cost of funding earning assets	0.7389%	2,950
Net interest margin	3.9339%	2,141
Noninterest income to average assets	0.9144%	1,051
Noninterest expense to average assets	1.9461%	4,687
Loan and lease loss provision to assets	0.0960%	1,935
Net operating income to assets	2.6679%	127
Return on assets (ROA)	2.6679%	131
Pretax return on assets	2.6679%	192
Return on Equity (ROE)	20.7778%	212
Retained earnings to average equity (ytd only)	6.4277%	2,089
Net charge-offs to loans	0.0380%	2,127
Credit loss provision to net charge-offs	378.3784%	753
Earnings coverage of net charge-offs (x)	108.9730%	654
Efficiency ratio	41.2749%	5,137
Assets per employee ($millions)	4.4191%	3,258
Cash dividends to net income (ytd only)*	69.0647%	1,132
Condition Ratios (%)
Loss allowance to loans	2.4625%	233
Loan loss allowance to noncurrent loans	565.0000%	916
Noncurrent assets plus other real estate owned to assets	0.2935%	3,372
Noncurrent loans to loans	0.4358%	2,971
Net loans and leases to total assets	64.4540%	3,290
Net loans and leases to deposits	76.0895%	3,324
Net loans and leases to core deposits	83.4814%	3,155
Total domestic deposits to total assets	84.7082%	2,595
Equity capital to assets	13.2309%	1,476
Core capital (leverage) ratio	13.1333%	1,242
Tier 1 risk-based capital ratio	17.3904%	1,970
Total risk-based capital ratio	18.6516%	1,922
Memoranda:
Average total assets	$291,768,330	2,224
Average earning assets	$281,499,330	2,157
Average equity	$37,463,000	2,039
Average total loans	$194,692,330	2,232
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5766%	2,619
Cost of funding earning assets	0.7347%	2,862
Net interest margin	3.8419%	2,374
Noninterest income to average assets	0.8169%	1,244
Noninterest expense to average assets	1.8683%	4,838
Loan and lease loss provision to assets	0.0685%	2,292
Net operating income to assets	2.6002%	139
Return on assets (ROA)	2.6002%	148
Pretax return on assets	2.6002%	213
Return on Equity (ROE)	20.5637%	234
Retained earnings to average equity (ytd only)	5.9946%	2,455
Net charge-offs to loans	0.0797%	1,287
Credit loss provision to net charge-offs	128.2051%	1,363
Earnings coverage of net charge-offs (x)	49.9231%	1,029
Efficiency ratio	41.1480%	5,186
Assets per employee ($millions)	4.3672%	3,383
Cash dividends to net income (ytd only)*	70.8487%	1,104
Condition Ratios (%)
Loss allowance to loans	2.3711%	278
Loan loss allowance to noncurrent loans	500.4301%	1,045
Noncurrent assets plus other real estate owned to assets	0.3233%	3,306
Noncurrent loans to loans	0.4738%	2,896
Net loans and leases to total assets	65.4902%	3,114
Net loans and leases to deposits	76.4994%	3,215
Net loans and leases to core deposits	84.9164%	2,958
Total domestic deposits to total assets	85.6087%	2,439
Equity capital to assets	12.8192%	1,554
Core capital (leverage) ratio	12.9386%	1,302
Tier 1 risk-based capital ratio	17.0025%	2,105
Total risk-based capital ratio	18.2627%	2,054
Memoranda:
Average total assets	$291,823,000	2,238
Average earning assets	$282,570,000	2,160
Average equity	$36,900,000	2,064
Average total loans	$195,672,500	2,239
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5623%	2,252
Cost of funding earning assets	0.6003%	2,715
Net interest margin	3.9620%	2,122
Noninterest income to average assets	0.9854%	970
Noninterest expense to average assets	2.0297%	4,700
Loan and lease loss provision to assets	0.1078%	2,045
Net operating income to assets	2.6835%	111
Return on assets (ROA)	2.6839%	111
Pretax return on assets	2.6839%	146
Return on Equity (ROE)	22.0279%	154
Retained earnings to average equity (ytd only)	5.4116%	2,529
Net charge-offs to loans	0.0672%	2,156
Credit loss provision to net charge-offs	242.6357%	1,219
Earnings coverage of net charge-offs (x)	62.8450%	996
Efficiency ratio	42.0654%	5,237
Assets per employee ($millions)	4.4776%	3,201
Cash dividends to net income (ytd only)*	75.4330%	848
Condition Ratios (%)
Loss allowance to loans	2.3802%	260
Loan loss allowance to noncurrent loans	610.1183%	924
Noncurrent assets plus other real estate owned to assets	0.2670%	3,514
Noncurrent loans to loans	0.3901%	3,136
Net loans and leases to total assets	65.4273%	3,208
Net loans and leases to deposits	75.7544%	3,368
Net loans and leases to core deposits	84.1667%	3,073
Total domestic deposits to total assets	86.3677%	2,064
Equity capital to assets	12.4692%	1,592
Core capital (leverage) ratio	12.7640%	1,332
Tier 1 risk-based capital ratio	16.8511%	2,119
Total risk-based capital ratio	18.1115%	2,064
Memoranda:
Average total assets	$290,439,800	2,206
Average earning assets	$281,173,800	2,130
Average equity	$35,387,000	2,057
Average total loans	$192,101,200	2,233
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5452%	2,141
Cost of funding earning assets	0.5730%	2,680
Net interest margin	3.9722%	2,044
Noninterest income to average assets	1.0017%	957
Noninterest expense to average assets	2.0168%	4,707
Loan and lease loss provision to assets	0.1093%	1,841
Net operating income to assets	2.7218%	113
Return on assets (ROA)	2.7227%	113
Pretax return on assets	2.7227%	160
Return on Equity (ROE)	22.4789%	150
Retained earnings to average equity (ytd only)	8.1452%	1,582
Net charge-offs to loans	0.0850%	1,661
Credit loss provision to net charge-offs	195.0820%	1,410
Earnings coverage of net charge-offs (x)	50.5254%	1,166
Efficiency ratio	41.5632%	5,289
Assets per employee ($millions)	4.3794%	3,309
Cash dividends to net income (ytd only)*	63.7652%	1,052
Condition Ratios (%)
Loss allowance to loans	2.4079%	272
Loan loss allowance to noncurrent loans	618.2432%	894
Noncurrent assets plus other real estate owned to assets	0.2560%	3,669
Noncurrent loans to loans	0.3895%	3,260
Net loans and leases to total assets	64.1504%	3,404
Net loans and leases to deposits	75.3278%	3,476
Net loans and leases to core deposits	83.4763%	3,198
Total domestic deposits to total assets	85.1616%	2,542
Equity capital to assets	12.4197%	1,638
Core capital (leverage) ratio	12.5708%	1,463
Tier 1 risk-based capital ratio	17.4714%	1,942
Total risk-based capital ratio	18.7323%	1,893
Memoranda:
Average total assets	$290,288,500	2,217
Average earning assets	$281,082,500	2,137
Average equity	$35,161,000	2,071
Average total loans	$191,360,000	2,248
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4624%	2,206
Cost of funding earning assets	0.5470%	2,629
Net interest margin	3.9154%	2,154
Noninterest income to average assets	0.9494%	1,054
Noninterest expense to average assets	2.0330%	4,742
Loan and lease loss provision to assets	0.1121%	1,766
Net operating income to assets	2.5909%	132
Return on assets (ROA)	2.5923%	132
Pretax return on assets	2.5923%	194
Return on Equity (ROE)	21.5836%	179
Retained earnings to average equity (ytd only)	7.1487%	2,001
Net charge-offs to loans	0.1679%	926
Credit loss provision to net charge-offs	101.2422%	2,000
Earnings coverage of net charge-offs (x)	24.4037%	1,681
Efficiency ratio	42.8966%	5,313
Assets per employee ($millions)	4.3136%	3,406
Cash dividends to net income (ytd only)*	66.8790%	1,088
Condition Ratios (%)
Loss allowance to loans	2.2962%	317
Loan loss allowance to noncurrent loans	454.7401%	1,175
Noncurrent assets plus other real estate owned to assets	0.3547%	3,330
Noncurrent loans to loans	0.5050%	2,906
Net loans and leases to total assets	65.6777%	3,193
Net loans and leases to deposits	76.9366%	3,262
Net loans and leases to core deposits	85.2952%	2,982
Total domestic deposits to total assets	85.3659%	2,538
Equity capital to assets	12.2235%	1,711
Core capital (leverage) ratio	12.4356%	1,469
Tier 1 risk-based capital ratio	16.2482%	2,351
Total risk-based capital ratio	17.5072%	2,287
Memoranda:
Average total assets	$290,704,330	2,226
Average earning assets	$281,148,670	2,149
Average equity	$34,915,330	2,092
Average total loans	$191,814,670	2,246
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2845%	2,582
Cost of funding earning assets	0.5207%	2,629
Net interest margin	3.7638%	2,570
Noninterest income to average assets	0.8040%	1,440
Noninterest expense to average assets	1.9400%	4,958
Loan and lease loss provision to assets	0.1029%	1,804
Net operating income to assets	2.4009%	172
Return on assets (ROA)	2.4009%	173
Pretax return on assets	2.4009%	263
Return on Equity (ROE)	20.1674%	238
Retained earnings to average equity (ytd only)	5.6469%	2,872
Net charge-offs to loans	0.3400%	451
Credit loss provision to net charge-offs	46.2963%	1,978
Earnings coverage of net charge-offs (x)	11.2654%	1,854
Efficiency ratio	43.5937%	5,356
Assets per employee ($millions)	4.4209%	3,291
Cash dividends to net income (ytd only)*	72.0000%	984
Condition Ratios (%)
Loss allowance to loans	2.2877%	328
Loan loss allowance to noncurrent loans	410.9023%	1,281
Noncurrent assets plus other real estate owned to assets	0.5055%	2,840
Noncurrent loans to loans	0.5568%	2,863
Net loans and leases to total assets	63.9981%	3,305
Net loans and leases to deposits	74.6851%	3,346
Net loans and leases to core deposits	82.9998%	3,064
Total domestic deposits to total assets	85.6905%	2,677
Equity capital to assets	11.8727%	1,865
Core capital (leverage) ratio	12.2078%	1,524
Tier 1 risk-based capital ratio	16.2050%	2,386
Total risk-based capital ratio	17.4637%	2,335
Memoranda:
Average total assets	$291,551,500	2,243
Average earning assets	$281,948,500	2,167
Average equity	$34,709,500	2,115
Average total loans	$190,584,000	2,268
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2295%	2,580
Cost of funding earning assets	0.4237%	3,013
Net interest margin	3.8058%	2,408
Noninterest income to average assets	0.9983%	1,022
Noninterest expense to average assets	1.9509%	5,047
Loan and lease loss provision to assets	0.2078%	969
Net operating income to assets	2.5160%	117
Return on assets (ROA)	2.5156%	117
Pretax return on assets	2.5156%	173
Return on Equity (ROE)	21.3668%	148
Retained earnings to average equity (ytd only)	6.1056%	1,477
Net charge-offs to loans	0.0856%	2,239
Credit loss provision to net charge-offs	372.6708%	801
Earnings coverage of net charge-offs (x)	48.8571%	1,101
Efficiency ratio	41.6963%	5,498
Assets per employee ($millions)	4.2842%	3,512
Cash dividends to net income (ytd only)*	71.4246%	1,198
Condition Ratios (%)
Loss allowance to loans	2.3461%	297
Loan loss allowance to noncurrent loans	246.8992%	1,950
Noncurrent assets plus other real estate owned to assets	0.6810%	2,276
Noncurrent loans to loans	0.9502%	1,868
Net loans and leases to total assets	63.7105%	3,399
Net loans and leases to deposits	74.2084%	3,503
Net loans and leases to core deposits	82.3980%	3,216
Total domestic deposits to total assets	85.8536%	2,505
Equity capital to assets	11.9376%	1,873
Core capital (leverage) ratio	11.9423%	1,635
Tier 1 risk-based capital ratio	16.5848%	2,233
Total risk-based capital ratio	17.8449%	2,178
Memoranda:
Average total assets	$288,793,400	2,231
Average earning assets	$278,968,800	2,162
Average equity	$34,001,400	2,131
Average total loans	$188,105,000	2,254
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1783%	2,685
Cost of funding earning assets	0.4028%	3,163
Net interest margin	3.7754%	2,484
Noninterest income to average assets	1.0267%	967
Noninterest expense to average assets	1.9063%	5,124
Loan and lease loss provision to assets	0.2082%	908
Net operating income to assets	2.5592%	125
Return on assets (ROA)	2.5587%	126
Pretax return on assets	2.5587%	192
Return on Equity (ROE)	21.8092%	144
Retained earnings to average equity (ytd only)	8.0848%	1,182
Net charge-offs to loans	0.0043%	3,579
Credit loss provision to net charge-offs	7,500.0000%	61
Earnings coverage of net charge-offs (x)	996.8088%	101
Efficiency ratio	40.7880%	5,563
Assets per employee ($millions)	4.2632%	3,536
Cash dividends to net income (ytd only)*	62.9294%	1,234
Condition Ratios (%)
Loss allowance to loans	2.3373%	327
Loan loss allowance to noncurrent loans	241.0367%	1,919
Noncurrent assets plus other real estate owned to assets	0.6904%	2,436
Noncurrent loans to loans	0.9697%	1,987
Net loans and leases to total assets	63.4105%	3,505
Net loans and leases to deposits	74.4707%	3,521
Net loans and leases to core deposits	82.1652%	3,270
Total domestic deposits to total assets	85.1483%	2,661
Equity capital to assets	11.9350%	2,010
Core capital (leverage) ratio	11.7798%	1,831
Tier 1 risk-based capital ratio	16.4018%	2,350
Total risk-based capital ratio	17.6620%	2,302
Memoranda:
Average total assets	$288,160,750	2,244
Average earning assets	$278,353,500	2,177
Average equity	$33,807,500	2,152
Average total loans	$187,615,500	2,275
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1626%	2,618
Cost of funding earning assets	0.3842%	3,244
Net interest margin	3.7783%	2,366
Noninterest income to average assets	0.9079%	1,249
Noninterest expense to average assets	2.0359%	4,898
Loan and lease loss provision to assets	0.2097%	851
Net operating income to assets	2.3050%	176
Return on assets (ROA)	2.3057%	174
Pretax return on assets	2.3057%	294
Return on Equity (ROE)	19.7699%	224
Retained earnings to average equity (ytd only)	6.2624%	1,984
Net charge-offs to loans	0.0054%	3,274
Credit loss provision to net charge-offs	6,000.0000%	66
Earnings coverage of net charge-offs (x)	719.6000%	109
Efficiency ratio	44.7397%	5,502
Assets per employee ($millions)	4.3566%	3,332
Cash dividends to net income (ytd only)*	68.3237%	1,190
Condition Ratios (%)
Loss allowance to loans	2.2561%	399
Loan loss allowance to noncurrent loans	199.7685%	2,248
Noncurrent assets plus other real estate owned to assets	0.8945%	1,980
Noncurrent loans to loans	1.1293%	1,741
Net loans and leases to total assets	65.0168%	3,248
Net loans and leases to deposits	76.0101%	3,344
Net loans and leases to core deposits	83.9008%	3,080
Total domestic deposits to total assets	85.5371%	2,595
Equity capital to assets	11.8946%	2,009
Core capital (leverage) ratio	11.9273%	1,674
Tier 1 risk-based capital ratio	16.0133%	2,503
Total risk-based capital ratio	17.2724%	2,437
Memoranda:
Average total assets	$286,160,670	2,268
Average earning assets	$275,888,000	2,194
Average equity	$33,374,000	2,170
Average total loans	$186,489,670	2,291
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1077%	2,626
Cost of funding earning assets	0.3638%	3,375
Net interest margin	3.7440%	2,333
Noninterest income to average assets	0.7566%	1,723
Noninterest expense to average assets	1.9603%	5,132
Loan and lease loss provision to assets	0.2102%	776
Net operating income to assets	2.1914%	229
Return on assets (ROA)	2.1914%	233
Pretax return on assets	2.1914%	361
Return on Equity (ROE)	18.9803%	288
Retained earnings to average equity (ytd only)	6.2378%	2,218
Net charge-offs to loans	-0.0326%	4,968
Credit loss provision to net charge-offs	-1,000.0000%	4,403
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	44.9406%	5,568
Assets per employee ($millions)	4.1952%	3,672
Cash dividends to net income (ytd only)*	67.1355%	1,230
Condition Ratios (%)
Loss allowance to loans	2.2302%	456
Loan loss allowance to noncurrent loans	178.6934%	2,483
Noncurrent assets plus other real estate owned to assets	1.0446%	1,732
Noncurrent loans to loans	1.2480%	1,619
Net loans and leases to total assets	64.3143%	3,227
Net loans and leases to deposits	75.5129%	3,255
Net loans and leases to core deposits	83.8126%	2,920
Total domestic deposits to total assets	85.1699%	3,015
Equity capital to assets	11.6994%	2,035
Core capital (leverage) ratio	11.6047%	1,876
Tier 1 risk-based capital ratio	16.0676%	2,520
Total risk-based capital ratio	17.3265%	2,469
Memoranda:
Average total assets	$285,473,500	2,288
Average earning assets	$274,895,500	2,214
Average equity	$32,960,500	2,199
Average total loans	$184,104,000	2,326
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1635%	2,614
Cost of funding earning assets	0.3444%	3,587
Net interest margin	3.8191%	2,251
Noninterest income to average assets	0.9192%	1,348
Noninterest expense to average assets	1.9525%	5,282
Loan and lease loss provision to assets	0.3159%	590
Net operating income to assets	2.3287%	187
Return on assets (ROA)	2.3287%	195
Pretax return on assets	2.3287%	261
Return on Equity (ROE)	20.4593%	193
Retained earnings to average equity (ytd only)	6.5155%	1,450
Net charge-offs to loans	0.2449%	1,133
Credit loss provision to net charge-offs	205.0114%	1,377
Earnings coverage of net charge-offs (x)	17.1640%	2,069
Efficiency ratio	42.4721%	5,736
Assets per employee ($millions)	4.4637%	3,168
Cash dividends to net income (ytd only)*	68.1537%	1,413
Condition Ratios (%)
Loss allowance to loans	2.2265%	445
Loan loss allowance to noncurrent loans	151.0143%	2,800
Noncurrent assets plus other real estate owned to assets	1.1979%	1,507
Noncurrent loans to loans	1.4744%	1,370
Net loans and leases to total assets	61.7948%	3,635
Net loans and leases to deposits	71.7305%	3,736
Net loans and leases to core deposits	79.8524%	3,404
Total domestic deposits to total assets	86.1486%	2,512
Equity capital to assets	11.3926%	2,251
Core capital (leverage) ratio	11.8598%	1,689
Tier 1 risk-based capital ratio	15.3267%	2,832
Total risk-based capital ratio	16.5842%	2,756
Memoranda:
Average total assets	$284,917,000	2,250
Average earning assets	$274,387,200	2,182
Average equity	$32,430,200	2,208
Average total loans	$179,293,200	2,319
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1778%	2,582
Cost of funding earning assets	0.3483%	3,558
Net interest margin	3.8295%	2,228
Noninterest income to average assets	0.9632%	1,228
Noninterest expense to average assets	1.9021%	5,371
Loan and lease loss provision to assets	0.3161%	528
Net operating income to assets	2.4369%	170
Return on assets (ROA)	2.4369%	180
Pretax return on assets	2.4369%	245
Return on Equity (ROE)	21.4143%	176
Retained earnings to average equity (ytd only)	9.0282%	808
Net charge-offs to loans	0.2332%	1,009
Credit loss provision to net charge-offs	215.6550%	1,361
Earnings coverage of net charge-offs (x)	18.7829%	1,975
Efficiency ratio	40.8611%	5,812
Assets per employee ($millions)	4.3072%	3,402
Cash dividends to net income (ytd only)*	57.8401%	1,515
Condition Ratios (%)
Loss allowance to loans	2.1707%	543
Loan loss allowance to noncurrent loans	112.2852%	3,379
Noncurrent assets plus other real estate owned to assets	1.3455%	1,401
Noncurrent loans to loans	1.9332%	1,027
Net loans and leases to total assets	62.1641%	3,624
Net loans and leases to deposits	72.5887%	3,743
Net loans and leases to core deposits	79.8272%	3,461
Total domestic deposits to total assets	85.6388%	2,537
Equity capital to assets	11.9203%	2,171
Core capital (leverage) ratio	11.4063%	2,108
Tier 1 risk-based capital ratio	16.5754%	2,382
Total risk-based capital ratio	17.8339%	2,335
Memoranda:
Average total assets	$284,727,250	2,257
Average earning assets	$274,493,500	2,193
Average equity	$32,401,250	2,222
Average total loans	$178,978,250	2,321
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1993%	2,513
Cost of funding earning assets	0.3496%	3,571
Net interest margin	3.8496%	2,140
Noninterest income to average assets	0.8916%	1,399
Noninterest expense to average assets	1.8983%	5,451
Loan and lease loss provision to assets	0.3159%	551
Net operating income to assets	2.3800%	178
Return on assets (ROA)	2.3800%	188
Pretax return on assets	2.3800%	266
Return on Equity (ROE)	21.2497%	182
Retained earnings to average equity (ytd only)	7.6474%	1,316
Net charge-offs to loans	0.3553%	657
Credit loss provision to net charge-offs	141.9558%	1,661
Earnings coverage of net charge-offs (x)	12.1136%	2,206
Efficiency ratio	41.3203%	5,881
Assets per employee ($millions)	4.4867%	3,054
Cash dividends to net income (ytd only)*	64.0118%	1,376
Condition Ratios (%)
Loss allowance to loans	2.0278%	701
Loan loss allowance to noncurrent loans	98.7694%	3,732
Noncurrent assets plus other real estate owned to assets	1.6284%	1,126
Noncurrent loans to loans	2.0531%	956
Net loans and leases to total assets	63.1059%	3,484
Net loans and leases to deposits	73.1155%	3,692
Net loans and leases to core deposits	80.8713%	3,377
Total domestic deposits to total assets	86.3098%	2,263
Equity capital to assets	11.6715%	2,387
Core capital (leverage) ratio	11.2886%	2,156
Tier 1 risk-based capital ratio	16.0895%	2,596
Total risk-based capital ratio	17.3464%	2,540
Memoranda:
Average total assets	$284,879,000	2,265
Average earning assets	$273,999,000	2,213
Average equity	$31,906,330	2,247
Average total loans	$178,425,670	2,329
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1680%	2,593
Cost of funding earning assets	0.3326%	3,807
Net interest margin	3.8354%	2,153
Noninterest income to average assets	0.8714%	1,381
Noninterest expense to average assets	1.9889%	5,366
Loan and lease loss provision to assets	0.3147%	488
Net operating income to assets	2.2616%	213
Return on assets (ROA)	2.2616%	225
Pretax return on assets	2.2616%	337
Return on Equity (ROE)	20.6224%	206
Retained earnings to average equity (ytd only)	10.8022%	691
Net charge-offs to loans	0.0612%	1,885
Credit loss provision to net charge-offs	833.3333%	421
Earnings coverage of net charge-offs (x)	68.2222%	713
Efficiency ratio	43.5662%	5,883
Assets per employee ($millions)	4.7905%	2,605
Cash dividends to net income (ytd only)*	47.6190%	1,831
Condition Ratios (%)
Loss allowance to loans	2.0667%	735
Loan loss allowance to noncurrent loans	74.7513%	4,206
Noncurrent assets plus other real estate owned to assets	1.9340%	922
Noncurrent loans to loans	2.7647%	631
Net loans and leases to total assets	61.9396%	3,539
Net loans and leases to deposits	74.2169%	3,410
Net loans and leases to core deposits	82.1447%	3,118
Total domestic deposits to total assets	83.4575%	3,730
Equity capital to assets	11.1899%	2,734
Core capital (leverage) ratio	11.1033%	2,309
Tier 1 risk-based capital ratio	15.7475%	2,810
Total risk-based capital ratio	17.0048%	2,738
Memoranda:
Average total assets	$285,987,000	2,272
Average earning assets	$275,434,500	2,210
Average equity	$31,364,000	2,284
Average total loans	$176,604,000	2,347
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1967%	2,570
Cost of funding earning assets	0.3323%	3,880
Net interest margin	3.8644%	2,147
Noninterest income to average assets	0.9269%	1,362
Noninterest expense to average assets	2.0059%	5,442
Loan and lease loss provision to assets	0.4022%	336
Net operating income to assets	2.2227%	242
Return on assets (ROA)	2.2161%	251
Pretax return on assets	2.2161%	332
Return on Equity (ROE)	20.3189%	235
Retained earnings to average equity (ytd only)	6.8389%	1,357
Net charge-offs to loans	0.8766%	245
Credit loss provision to net charge-offs	77.5194%	2,992
Earnings coverage of net charge-offs (x)	5.0592%	3,443
Efficiency ratio	43.3162%	5,997
Assets per employee ($millions)	4.6647%	2,786
Cash dividends to net income (ytd only)*	66.3422%	1,416
Condition Ratios (%)
Loss allowance to loans	2.0762%	709
Loan loss allowance to noncurrent loans	71.3369%	4,351
Noncurrent assets plus other real estate owned to assets	2.0053%	879
Noncurrent loans to loans	2.9104%	566
Net loans and leases to total assets	58.9923%	3,971
Net loans and leases to deposits	70.6837%	3,840
Net loans and leases to core deposits	78.7560%	3,470
Total domestic deposits to total assets	83.4595%	3,689
Equity capital to assets	10.7417%	3,087
Core capital (leverage) ratio	10.9879%	2,419
Tier 1 risk-based capital ratio	16.4725%	2,497
Total risk-based capital ratio	17.7304%	2,451
Memoranda:
Average total assets	$273,496,200	2,310
Average earning assets	$262,134,800	2,254
Average equity	$29,829,400	2,330
Average total loans	$161,868,800	2,448
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1667%	2,692
Cost of funding earning assets	0.3332%	3,940
Net interest margin	3.8335%	2,254
Noninterest income to average assets	0.8869%	1,489
Noninterest expense to average assets	1.9556%	5,558
Loan and lease loss provision to assets	0.3940%	310
Net operating income to assets	2.2088%	260
Return on assets (ROA)	2.1999%	270
Pretax return on assets	2.1999%	410
Return on Equity (ROE)	20.0902%	267
Retained earnings to average equity (ytd only)	2.6400%	4,530
Net charge-offs to loans	0.8043%	251
Credit loss provision to net charge-offs	83.1601%	2,565
Earnings coverage of net charge-offs (x)	5.4938%	3,195
Efficiency ratio	42.9019%	6,064
Assets per employee ($millions)	4.4043%	3,161
Cash dividends to net income (ytd only)*	86.8591%	590
Condition Ratios (%)
Loss allowance to loans	2.2580%	605
Loan loss allowance to noncurrent loans	88.8783%	3,937
Noncurrent assets plus other real estate owned to assets	2.0360%	995
Noncurrent loans to loans	2.5405%	801
Net loans and leases to total assets	57.0662%	4,238
Net loans and leases to deposits	66.0034%	4,386
Net loans and leases to core deposits	72.9848%	4,103
Total domestic deposits to total assets	86.4594%	2,303
Equity capital to assets	10.5755%	3,514
Core capital (leverage) ratio	10.4130%	3,154
Tier 1 risk-based capital ratio	16.2001%	2,714
Total risk-based capital ratio	17.4595%	2,666
Memoranda:
Average total assets	$270,734,250	2,348
Average earning assets	$259,288,000	2,289
Average equity	$29,645,500	2,356
Average total loans	$159,481,500	2,480
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2052%	2,527
Cost of funding earning assets	0.3332%	4,009
Net interest margin	3.8720%	2,068
Noninterest income to average assets	0.8801%	1,510
Noninterest expense to average assets	1.9369%	5,655
Loan and lease loss provision to assets	0.3745%	337
Net operating income to assets	2.2762%	227
Return on assets (ROA)	2.2635%	245
Pretax return on assets	2.2635%	369
Return on Equity (ROE)	20.4254%	252
Retained earnings to average equity (ytd only)	9.3340%	825
Net charge-offs to loans	0.0570%	2,583
Credit loss provision to net charge-offs	1,111.1111%	320
Earnings coverage of net charge-offs (x)	78.6444%	714
Efficiency ratio	42.2204%	6,165
Assets per employee ($millions)	4.3282%	3,251
Cash dividends to net income (ytd only)*	54.3018%	1,762
Condition Ratios (%)
Loss allowance to loans	2.6999%	377
Loan loss allowance to noncurrent loans	82.0178%	4,156
Noncurrent assets plus other real estate owned to assets	2.2789%	895
Noncurrent loans to loans	3.2918%	558
Net loans and leases to total assets	57.2676%	4,188
Net loans and leases to deposits	67.4655%	4,185
Net loans and leases to core deposits	74.9265%	3,862
Total domestic deposits to total assets	84.8843%	3,173
Equity capital to assets	10.9823%	2,898
Core capital (leverage) ratio	11.3516%	2,117
Tier 1 risk-based capital ratio	17.7482%	2,143
Total risk-based capital ratio	19.0140%	2,090
Memoranda:
Average total assets	$267,019,670	2,397
Average earning assets	$255,682,330	2,328
Average equity	$29,590,670	2,368
Average total loans	$157,784,330	2,507
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2372%	2,320
Cost of funding earning assets	0.3415%	3,972
Net interest margin	3.8957%	1,911
Noninterest income to average assets	0.9357%	1,281
Noninterest expense to average assets	2.0046%	5,571
Loan and lease loss provision to assets	0.3028%	478
Net operating income to assets	2.3589%	185
Return on assets (ROA)	2.3332%	203
Pretax return on assets	2.3332%	308
Return on Equity (ROE)	20.9567%	234
Retained earnings to average equity (ytd only)	9.8052%	972
Net charge-offs to loans	0.1304%	1,468
Credit loss provision to net charge-offs	392.1569%	674
Earnings coverage of net charge-offs (x)	34.4706%	1,061
Efficiency ratio	42.9591%	6,210
Assets per employee ($millions)	4.3650%	3,255
Cash dividends to net income (ytd only)*	53.2122%	1,613
Condition Ratios (%)
Loss allowance to loans	2.5499%	496
Loan loss allowance to noncurrent loans	76.5444%	4,257
Noncurrent assets plus other real estate owned to assets	2.7601%	724
Noncurrent loans to loans	3.3313%	606
Net loans and leases to total assets	57.8000%	3,975
Net loans and leases to deposits	66.9299%	4,057
Net loans and leases to core deposits	74.4366%	3,741
Total domestic deposits to total assets	86.3590%	2,733
Equity capital to assets	11.2840%	2,664
Core capital (leverage) ratio	11.1087%	2,309
Tier 1 risk-based capital ratio	17.6131%	2,270
Total risk-based capital ratio	18.8769%	2,223
Memoranda:
Average total assets	$264,191,500	2,432
Average earning assets	$252,998,500	2,364
Average equity	$29,413,000	2,396
Average total loans	$156,432,500	2,531
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2265%	2,861
Cost of funding earning assets	0.4175%	3,504
Net interest margin	3.8090%	2,596
Noninterest income to average assets	0.9407%	1,378
Noninterest expense to average assets	2.1772%	5,397
Loan and lease loss provision to assets	0.4947%	309
Net operating income to assets	1.8967%	394
Return on assets (ROA)	1.9013%	405
Pretax return on assets	1.9013%	638
Return on Equity (ROE)	17.9118%	404
Retained earnings to average equity (ytd only)	2.1332%	4,715
Net charge-offs to loans	0.2127%	1,967
Credit loss provision to net charge-offs	410.0946%	631
Earnings coverage of net charge-offs (x)	19.8233%	1,753
Efficiency ratio	47.6551%	6,196
Assets per employee ($millions)	4.2277%	3,482
Cash dividends to net income (ytd only)*	88.0905%	634
Condition Ratios (%)
Loss allowance to loans	2.5029%	549
Loan loss allowance to noncurrent loans	70.2536%	4,508
Noncurrent assets plus other real estate owned to assets	2.9204%	710
Noncurrent loans to loans	3.5627%	567
Net loans and leases to total assets	57.6301%	4,100
Net loans and leases to deposits	66.6373%	4,251
Net loans and leases to core deposits	73.9700%	3,920
Total domestic deposits to total assets	86.4833%	2,576
Equity capital to assets	10.9801%	2,912
Core capital (leverage) ratio	11.2350%	2,187
Tier 1 risk-based capital ratio	15.4207%	3,265
Total risk-based capital ratio	16.6808%	3,205
Memoranda:
Average total assets	$262,771,000	2,406
Average earning assets	$250,276,400	2,348
Average equity	$27,892,200	2,419
Average total loans	$149,014,000	2,588
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1966%	3,001
Cost of funding earning assets	0.4299%	3,467
Net interest margin	3.7667%	2,750
Noninterest income to average assets	0.9138%	1,481
Noninterest expense to average assets	2.1252%	5,523
Loan and lease loss provision to assets	0.5578%	255
Net operating income to assets	1.8164%	500
Return on assets (ROA)	1.8280%	501
Pretax return on assets	1.8280%	835
Return on Equity (ROE)	17.3710%	510
Retained earnings to average equity (ytd only)	0.0193%	5,786
Net charge-offs to loans	0.2250%	1,696
Credit loss provision to net charge-offs	441.7671%	640
Earnings coverage of net charge-offs (x)	18.8033%	1,816
Efficiency ratio	47.2332%	6,237
Assets per employee ($millions)	4.3242%	3,261
Cash dividends to net income (ytd only)*	99.8889%	366
Condition Ratios (%)
Loss allowance to loans	2.5124%	642
Loan loss allowance to noncurrent loans	69.6153%	4,494
Noncurrent assets plus other real estate owned to assets	2.9508%	810
Noncurrent loans to loans	3.6090%	650
Net loans and leases to total assets	54.2167%	4,553
Net loans and leases to deposits	63.3290%	4,607
Net loans and leases to core deposits	70.6803%	4,269
Total domestic deposits to total assets	85.6112%	3,068
Equity capital to assets	10.2988%	3,790
Core capital (leverage) ratio	10.7601%	2,745
Tier 1 risk-based capital ratio	14.2482%	4,052
Total risk-based capital ratio	15.5061%	3,973
Memoranda:
Average total assets	$262,933,750	2,424
Average earning assets	$250,294,250	2,354
Average equity	$27,670,000	2,441
Average total loans	$147,533,000	2,620
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2004%	2,948
Cost of funding earning assets	0.4420%	3,419
Net interest margin	3.7585%	2,722
Noninterest income to average assets	0.9119%	1,461
Noninterest expense to average assets	2.0964%	5,629
Loan and lease loss provision to assets	0.4594%	342
Net operating income to assets	1.9241%	393
Return on assets (ROA)	1.9348%	401
Pretax return on assets	1.9348%	635
Return on Equity (ROE)	18.2523%	440
Retained earnings to average equity (ytd only)	2.3619%	4,701
Net charge-offs to loans	0.4680%	867
Credit loss provision to net charge-offs	174.4186%	1,308
Earnings coverage of net charge-offs (x)	9.0494%	2,405
Efficiency ratio	46.7954%	6,330
Assets per employee ($millions)	4.2898%	3,290
Cash dividends to net income (ytd only)*	87.0598%	749
Condition Ratios (%)
Loss allowance to loans	2.1270%	1,131
Loan loss allowance to noncurrent loans	56.4594%	4,929
Noncurrent assets plus other real estate owned to assets	3.1827%	782
Noncurrent loans to loans	3.7674%	656
Net loans and leases to total assets	54.5139%	4,480
Net loans and leases to deposits	63.4114%	4,554
Net loans and leases to core deposits	71.1690%	4,131
Total domestic deposits to total assets	85.9686%	3,057
Equity capital to assets	10.6115%	3,297
Core capital (leverage) ratio	10.9793%	2,447
Tier 1 risk-based capital ratio	15.6003%	3,297
Total risk-based capital ratio	16.8561%	3,242
Memoranda:
Average total assets	$261,212,330	2,444
Average earning assets	$247,973,670	2,377
Average equity	$27,689,670	2,430
Average total loans	$147,010,670	2,627
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2026%	2,865
Cost of funding earning assets	0.4536%	3,388
Net interest margin	3.7490%	2,681
Noninterest income to average assets	0.8268%	1,647
Noninterest expense to average assets	2.0894%	5,706
Loan and lease loss provision to assets	0.4636%	335
Net operating income to assets	1.8375%	452
Return on assets (ROA)	1.8591%	457
Pretax return on assets	1.8591%	713
Return on Equity (ROE)	17.5473%	475
Retained earnings to average equity (ytd only)	17.5473%	194
Net charge-offs to loans	0.1229%	1,984
Credit loss provision to net charge-offs	666.6667%	422
Earnings coverage of net charge-offs (x)	33.0889%	991
Efficiency ratio	47.5889%	6,373
Assets per employee ($millions)	4.3741%	3,195
Cash dividends to net income (ytd only)*	0.0000%	2,852
Condition Ratios (%)
Loss allowance to loans	2.1480%	1,239
Loan loss allowance to noncurrent loans	59.5688%	4,864
Noncurrent assets plus other real estate owned to assets	3.2829%	815
Noncurrent loans to loans	3.6059%	787
Net loans and leases to total assets	54.6766%	4,326
Net loans and leases to deposits	62.9964%	4,431
Net loans and leases to core deposits	70.6482%	4,018
Total domestic deposits to total assets	86.7931%	2,940
Equity capital to assets	10.8437%	2,887
Core capital (leverage) ratio	11.4153%	2,032
Tier 1 risk-based capital ratio	16.3633%	2,970
Total risk-based capital ratio	17.6195%	2,936
Memoranda:
Average total assets	$258,835,000	2,467
Average earning assets	$246,039,500	2,389
Average equity	$27,423,000	2,445
Average total loans	$146,446,000	2,635
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5019%	2,194
Cost of funding earning assets	0.5809%	2,827
Net interest margin	3.9210%	2,217
Noninterest income to average assets	1.0411%	1,297
Noninterest expense to average assets	2.2746%	5,445
Loan and lease loss provision to assets	0.5079%	548
Net operating income to assets	1.9806%	354
Return on assets (ROA)	2.0051%	340
Pretax return on assets	2.0051%	475
Return on Equity (ROE)	18.6537%	363
Retained earnings to average equity (ytd only)	1.0998%	5,343
Net charge-offs to loans	0.5589%	1,176
Credit loss provision to net charge-offs	155.8473%	1,486
Earnings coverage of net charge-offs (x)	7.6360%	2,800
Efficiency ratio	47.7547%	6,496
Assets per employee ($millions)	4.1840%	3,475
Cash dividends to net income (ytd only)*	94.1040%	550
Condition Ratios (%)
Loss allowance to loans	1.9796%	1,601
Loan loss allowance to noncurrent loans	53.0803%	5,131
Noncurrent assets plus other real estate owned to assets	3.0036%	1,051
Noncurrent loans to loans	3.7294%	804
Net loans and leases to total assets	56.1666%	4,293
Net loans and leases to deposits	65.2599%	4,386
Net loans and leases to core deposits	73.5974%	3,883
Total domestic deposits to total assets	86.0659%	3,231
Equity capital to assets	10.3388%	3,354
Core capital (leverage) ratio	11.0131%	2,374
Tier 1 risk-based capital ratio	15.5832%	3,319
Total risk-based capital ratio	16.8372%	3,270
Memoranda:
Average total assets	$257,138,600	2,460
Average earning assets	$244,097,000	2,387
Average equity	$27,640,600	2,409
Average total loans	$149,945,000	2,558
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5106%	2,185
Cost of funding earning assets	0.6035%	2,782
Net interest margin	3.9071%	2,247
Noninterest income to average assets	1.0905%	1,228
Noninterest expense to average assets	2.2270%	5,539
Loan and lease loss provision to assets	0.4658%	598
Net operating income to assets	2.1069%	301
Return on assets (ROA)	2.1396%	295
Pretax return on assets	2.1396%	441
Return on Equity (ROE)	19.7176%	319
Retained earnings to average equity (ytd only)	1.1543%	5,519
Net charge-offs to loans	0.3915%	1,638
Credit loss provision to net charge-offs	203.1603%	1,189
Earnings coverage of net charge-offs (x)	11.2212%	2,263
Efficiency ratio	46.3985%	6,574
Assets per employee ($millions)	4.1066%	3,625
Cash dividends to net income (ytd only)*	94.1461%	491
Condition Ratios (%)
Loss allowance to loans	1.9414%	1,881
Loan loss allowance to noncurrent loans	59.1711%	4,854
Noncurrent assets plus other real estate owned to assets	2.8607%	1,298
Noncurrent loans to loans	3.2810%	1,190
Net loans and leases to total assets	56.3052%	4,276
Net loans and leases to deposits	66.7244%	4,213
Net loans and leases to core deposits	75.2964%	3,701
Total domestic deposits to total assets	84.3847%	4,034
Equity capital to assets	10.3519%	3,447
Core capital (leverage) ratio	10.7435%	2,733
Tier 1 risk-based capital ratio	15.1933%	3,634
Total risk-based capital ratio	16.4470%	3,587
Memoranda:
Average total assets	$257,617,500	2,473
Average earning assets	$244,575,500	2,395
Average equity	$27,954,000	2,410
Average total loans	$150,870,000	2,554
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5391%	2,060
Cost of funding earning assets	0.6247%	2,735
Net interest margin	3.9143%	2,170
Noninterest income to average assets	1.0853%	1,300
Noninterest expense to average assets	2.1909%	5,654
Loan and lease loss provision to assets	0.4665%	610
Net operating income to assets	2.1349%	293
Return on assets (ROA)	2.1831%	286
Pretax return on assets	2.1831%	431
Return on Equity (ROE)	19.8132%	316
Retained earnings to average equity (ytd only)	-7.6487%	6,596
Net charge-offs to loans	0.5684%	1,159
Credit loss provision to net charge-offs	139.2111%	1,627
Earnings coverage of net charge-offs (x)	7.7633%	2,503
Efficiency ratio	45.7171%	6,650
Assets per employee ($millions)	4.1670%	3,434
Cash dividends to net income (ytd only)*	138.6040%	246
Condition Ratios (%)
Loss allowance to loans	1.7305%	2,668
Loan loss allowance to noncurrent loans	46.8338%	5,348
Noncurrent assets plus other real estate owned to assets	3.2488%	1,220
Noncurrent loans to loans	3.6949%	1,107
Net loans and leases to total assets	57.9971%	3,984
Net loans and leases to deposits	68.0178%	4,012
Net loans and leases to core deposits	76.4113%	3,494
Total domestic deposits to total assets	85.2675%	3,757
Equity capital to assets	10.0572%	3,843
Core capital (leverage) ratio	10.5989%	2,767
Tier 1 risk-based capital ratio	14.4582%	4,128
Total risk-based capital ratio	15.7101%	4,087
Memoranda:
Average total assets	$257,251,670	2,486
Average earning assets	$243,619,000	2,413
Average equity	$28,344,670	2,403
Average total loans	$151,642,000	2,547
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4674%	2,286
Cost of funding earning assets	0.6419%	2,726
Net interest margin	3.8255%	2,358
Noninterest income to average assets	0.9815%	1,517
Noninterest expense to average assets	2.1423%	5,822
Loan and lease loss provision to assets	0.4637%	600
Net operating income to assets	2.0048%	343
Return on assets (ROA)	2.0820%	327
Pretax return on assets	2.0820%	508
Return on Equity (ROE)	18.1201%	427
Retained earnings to average equity (ytd only)	18.1201%	195
Net charge-offs to loans	1.0233%	599
Credit loss provision to net charge-offs	76.9231%	2,196
Earnings coverage of net charge-offs (x)	4.0949%	2,615
Efficiency ratio	46.4633%	6,673
Assets per employee ($millions)	4.2757%	3,382
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	1.5491%	3,620
Loan loss allowance to noncurrent loans	45.2731%	5,364
Noncurrent assets plus other real estate owned to assets	3.1232%	1,413
Noncurrent loans to loans	3.4217%	1,405
Net loans and leases to total assets	56.9446%	3,934
Net loans and leases to deposits	65.9923%	4,057
Net loans and leases to core deposits	73.3624%	3,657
Total domestic deposits to total assets	86.2898%	3,363
Equity capital to assets	11.6088%	2,324
Core capital (leverage) ratio	11.4264%	1,920
Tier 1 risk-based capital ratio	15.4405%	3,565
Total risk-based capital ratio	15.7165%	4,167
Memoranda:
Average total assets	$258,784,000	2,502
Average earning assets	$245,511,500	2,420
Average equity	$29,735,000	2,320
Average total loans	$152,454,500	2,547
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9287%	1,752
Cost of funding earning assets	0.8351%	2,392
Net interest margin	4.0936%	2,027
Noninterest income to average assets	1.1564%	1,168
Noninterest expense to average assets	2.3111%	5,667
Loan and lease loss provision to assets	0.7618%	655
Net operating income to assets	1.9691%	378
Return on assets (ROA)	2.0096%	384
Pretax return on assets	2.0096%	587
Return on Equity (ROE)	17.6553%	471
Retained earnings to average equity (ytd only)	3.3535%	3,859
Net charge-offs to loans	0.9695%	1,134
Credit loss provision to net charge-offs	121.8730%	2,343
Earnings coverage of net charge-offs (x)	4.3688%	3,394
Efficiency ratio	45.8370%	6,787
Assets per employee ($millions)	4.2791%	3,402
Cash dividends to net income (ytd only)*	81.0056%	970
Condition Ratios (%)
Loss allowance to loans	1.5755%	3,417
Loan loss allowance to noncurrent loans	42.8193%	5,500
Noncurrent assets plus other real estate owned to assets	3.3979%	1,348
Noncurrent loans to loans	3.6793%	1,318
Net loans and leases to total assets	59.0548%	3,784
Net loans and leases to deposits	67.6663%	4,031
Net loans and leases to core deposits	74.9665%	3,662
Total domestic deposits to total assets	87.2735%	2,659
Equity capital to assets	11.3699%	2,567
Core capital (leverage) ratio	11.1021%	2,165
Tier 1 risk-based capital ratio	14.9848%	3,728
Total risk-based capital ratio	16.2350%	3,680
Memoranda:
Average total assets	$249,403,200	2,538
Average earning assets	$236,737,800	2,443
Average equity	$28,388,000	2,362
Average total loans	$160,796,600	2,420
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9780%	1,747
Cost of funding earning assets	0.8716%	2,381
Net interest margin	4.1064%	2,069
Noninterest income to average assets	1.1148%	1,209
Noninterest expense to average assets	2.3729%	5,477
Loan and lease loss provision to assets	0.6732%	770
Net operating income to assets	1.9684%	402
Return on assets (ROA)	1.9684%	457
Pretax return on assets	1.9684%	752
Return on Equity (ROE)	17.2889%	579
Retained earnings to average equity (ytd only)	3.3821%	4,487
Net charge-offs to loans	1.0791%	962
Credit loss provision to net charge-offs	95.0570%	3,144
Earnings coverage of net charge-offs (x)	3.7300%	3,537
Efficiency ratio	47.3204%	6,757
Assets per employee ($millions)	4.3236%	3,224
Cash dividends to net income (ytd only)*	80.4377%	642
Condition Ratios (%)
Loss allowance to loans	1.2839%	4,887
Loan loss allowance to noncurrent loans	35.9034%	5,855
Noncurrent assets plus other real estate owned to assets	3.3506%	1,509
Noncurrent loans to loans	3.5761%	1,515
Net loans and leases to total assets	59.8979%	3,803
Net loans and leases to deposits	70.1121%	3,881
Net loans and leases to core deposits	77.9479%	3,469
Total domestic deposits to total assets	85.4316%	3,550
Equity capital to assets	11.2506%	2,979
Core capital (leverage) ratio	10.5991%	2,798
Tier 1 risk-based capital ratio	14.4430%	4,226
Total risk-based capital ratio	15.4872%	4,330
Memoranda:
Average total assets	$247,567,000	2,578
Average earning assets	$235,107,000	2,478
Average equity	$28,187,000	2,398
Average total loans	$162,483,500	2,421
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0693%	1,596
Cost of funding earning assets	0.9072%	2,344
Net interest margin	4.1621%	1,863
Noninterest income to average assets	1.0484%	1,322
Noninterest expense to average assets	2.4703%	5,233
Loan and lease loss provision to assets	0.4926%	1,292
Net operating income to assets	2.0327%	372
Return on assets (ROA)	2.0327%	417
Pretax return on assets	2.0327%	650
Return on Equity (ROE)	17.7784%	532
Retained earnings to average equity (ytd only)	4.7103%	3,476
Net charge-offs to loans	0.9331%	1,185
Credit loss provision to net charge-offs	78.3290%	3,365
Earnings coverage of net charge-offs (x)	4.0157%	3,198
Efficiency ratio	49.4495%	6,679
Assets per employee ($millions)	4.2635%	3,334
Cash dividends to net income (ytd only)*	73.5057%	977
Condition Ratios (%)
Loss allowance to loans	1.1963%	5,372
Loan loss allowance to noncurrent loans	31.9787%	6,065
Noncurrent assets plus other real estate owned to assets	3.5691%	1,486
Noncurrent loans to loans	3.7408%	1,509
Net loans and leases to total assets	63.0419%	3,223
Net loans and leases to deposits	73.8461%	3,320
Net loans and leases to core deposits	81.8761%	2,977
Total domestic deposits to total assets	85.3693%	3,680
Equity capital to assets	11.2273%	2,866
Core capital (leverage) ratio	11.3626%	1,998
Tier 1 risk-based capital ratio	14.6662%	3,981
Total risk-based capital ratio	15.6757%	4,120
Memoranda:
Average total assets	$243,616,670	2,618
Average earning assets	$231,037,330	2,514
Average equity	$27,854,000	2,406
Average total loans	$164,175,670	2,414
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1383%	1,469
Cost of funding earning assets	0.9520%	2,294
Net interest margin	4.1863%	1,792
Noninterest income to average assets	1.0832%	1,228
Noninterest expense to average assets	2.4235%	5,394
Loan and lease loss provision to assets	0.5007%	1,215
Net operating income to assets	2.1298%	332
Return on assets (ROA)	2.1298%	387
Pretax return on assets	2.1298%	601
Return on Equity (ROE)	18.4526%	498
Retained earnings to average equity (ytd only)	18.4526%	230
Net charge-offs to loans	0.8144%	1,263
Credit loss provision to net charge-offs	88.7574%	2,572
Earnings coverage of net charge-offs (x)	4.6627%	2,530
Efficiency ratio	47.9524%	6,809
Assets per employee ($millions)	4.1287%	3,732
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	1.2417%	5,308
Loan loss allowance to noncurrent loans	30.1221%	6,170
Noncurrent assets plus other real estate owned to assets	4.1733%	1,305
Noncurrent loans to loans	4.1222%	1,469
Net loans and leases to total assets	66.8691%	2,319
Net loans and leases to deposits	78.0699%	2,494
Net loans and leases to core deposits	86.5400%	2,224
Total domestic deposits to total assets	85.6528%	3,715
Equity capital to assets	11.6706%	2,284
Core capital (leverage) ratio	11.7426%	1,741
Tier 1 risk-based capital ratio	15.3212%	3,547
Total risk-based capital ratio	16.4268%	3,596
Memoranda:
Average total assets	$239,651,500	2,675
Average earning assets	$227,313,000	2,569
Average equity	$27,660,000	2,416
Average total loans	$166,013,500	2,408
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3599%	1,530
Cost of funding earning assets	1.2169%	1,913
Net interest margin	4.1430%	2,254
Noninterest income to average assets	1.0468%	1,228
Noninterest expense to average assets	2.2733%	6,107
Loan and lease loss provision to assets	0.4042%	2,577
Net operating income to assets	2.3028%	184
Return on assets (ROA)	2.3028%	197
Pretax return on assets	2.3028%	296
Return on Equity (ROE)	20.9680%	226
Retained earnings to average equity (ytd only)	6.4219%	1,791
Net charge-offs to loans	0.8434%	2,051
Credit loss provision to net charge-offs	68.0851%	4,927
Earnings coverage of net charge-offs (x)	4.5596%	3,067
Efficiency ratio	45.6459%	7,068
Assets per employee ($millions)	3.8641%	4,171
Cash dividends to net income (ytd only)*	69.3728%	1,162
Condition Ratios (%)
Loss allowance to loans	1.2484%	5,182
Loan loss allowance to noncurrent loans	27.0944%	6,343
Noncurrent assets plus other real estate owned to assets	4.2879%	1,302
Noncurrent loans to loans	4.6077%	1,290
Net loans and leases to total assets	70.0033%	2,028
Net loans and leases to deposits	81.0233%	2,357
Net loans and leases to core deposits	89.4437%	2,205
Total domestic deposits to total assets	86.3989%	3,074
Equity capital to assets	11.4086%	2,587
Core capital (leverage) ratio	11.4595%	1,926
Tier 1 risk-based capital ratio	14.8160%	3,750
Total risk-based capital ratio	15.9507%	3,808
Memoranda:
Average total assets	$237,493,400	2,660
Average earning assets	$225,489,000	2,552
Average equity	$26,082,600	2,471
Average total loans	$167,187,400	2,397
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3756%	1,588
Cost of funding earning assets	1.2822%	1,803
Net interest margin	4.0934%	2,501
Noninterest income to average assets	0.9677%	1,427
Noninterest expense to average assets	2.3019%	6,027
Loan and lease loss provision to assets	0.1737%	4,297
Net operating income to assets	2.3793%	186
Return on assets (ROA)	2.3793%	196
Pretax return on assets	2.3793%	310
Return on Equity (ROE)	21.8743%	224
Retained earnings to average equity (ytd only)	8.0986%	1,474
Net charge-offs to loans	0.1985%	4,207
Credit loss provision to net charge-offs	124.4980%	2,584
Earnings coverage of net charge-offs (x)	18.2973%	1,309
Efficiency ratio	47.4146%	6,992
Assets per employee ($millions)	3.8985%	4,076
Cash dividends to net income (ytd only)*	62.9769%	1,099
Condition Ratios (%)
Loss allowance to loans	1.5904%	3,713
Loan loss allowance to noncurrent loans	29.9056%	6,256
Noncurrent assets plus other real estate owned to assets	4.5349%	1,321
Noncurrent loans to loans	5.3179%	1,136
Net loans and leases to total assets	66.4863%	2,785
Net loans and leases to deposits	76.5730%	3,234
Net loans and leases to core deposits	83.9963%	3,071
Total domestic deposits to total assets	86.8273%	2,759
Equity capital to assets	11.1268%	3,030
Core capital (leverage) ratio	10.8325%	2,538
Tier 1 risk-based capital ratio	15.6747%	3,291
Total risk-based capital ratio	16.9277%	3,256
Memoranda:
Average total assets	$237,939,500	2,667
Average earning assets	$225,954,000	2,556
Average equity	$25,880,500	2,496
Average total loans	$167,211,750	2,416
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4695%	1,366
Cost of funding earning assets	1.3110%	1,874
Net interest margin	4.1585%	2,191
Noninterest income to average assets	0.9278%	1,545
Noninterest expense to average assets	2.2824%	6,172
Loan and lease loss provision to assets	0.1014%	5,044
Net operating income to assets	2.4843%	169
Return on assets (ROA)	2.4843%	175
Pretax return on assets	2.4843%	253
Return on Equity (ROE)	23.0203%	199
Retained earnings to average equity (ytd only)	9.8658%	884
Net charge-offs to loans	0.2908%	3,424
Credit loss provision to net charge-offs	48.9796%	4,606
Earnings coverage of net charge-offs (x)	12.4898%	1,625
Efficiency ratio	46.8842%	7,117
Assets per employee ($millions)	3.9039%	3,983
Cash dividends to net income (ytd only)*	57.1429%	1,438
Condition Ratios (%)
Loss allowance to loans	1.4312%	4,437
Loan loss allowance to noncurrent loans	33.4026%	6,075
Noncurrent assets plus other real estate owned to assets	3.8923%	1,661
Noncurrent loans to loans	4.2847%	1,579
Net loans and leases to total assets	69.7282%	2,278
Net loans and leases to deposits	81.0655%	2,607
Net loans and leases to core deposits	88.7146%	2,537
Total domestic deposits to total assets	86.0147%	3,319
Equity capital to assets	11.2352%	2,734
Core capital (leverage) ratio	11.1813%	2,126
Tier 1 risk-based capital ratio	14.6187%	3,716
Total risk-based capital ratio	15.8695%	3,685
Memoranda:
Average total assets	$236,684,670	2,687
Average earning assets	$224,263,670	2,588
Average equity	$25,542,670	2,507
Average total loans	$168,516,670	2,429
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5075%	1,274
Cost of funding earning assets	1.3755%	1,741
Net interest margin	4.1319%	2,149
Noninterest income to average assets	0.9425%	1,498
Noninterest expense to average assets	2.2580%	6,287
Loan and lease loss provision to assets	0.1017%	4,734
Net operating income to assets	2.5089%	175
Return on assets (ROA)	2.5089%	182
Pretax return on assets	2.5089%	247
Return on Equity (ROE)	23.7403%	194
Retained earnings to average equity (ytd only)	23.7403%	116
Net charge-offs to loans	0.1305%	3,730
Credit loss provision to net charge-offs	109.0909%	2,445
Earnings coverage of net charge-offs (x)	28.0000%	875
Efficiency ratio	46.3788%	7,190
Assets per employee ($millions)	3.6675%	4,614
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	1.5186%	4,114
Loan loss allowance to noncurrent loans	41.3574%	5,544
Noncurrent assets plus other real estate owned to assets	3.4855%	1,957
Noncurrent loans to loans	3.6718%	2,011
Net loans and leases to total assets	70.2075%	2,089
Net loans and leases to deposits	81.0922%	2,509
Net loans and leases to core deposits	87.9311%	2,609
Total domestic deposits to total assets	86.5775%	3,191
Equity capital to assets	11.0525%	2,636
Core capital (leverage) ratio	11.4708%	1,864
Tier 1 risk-based capital ratio	15.2256%	3,304
Total risk-based capital ratio	16.4778%	3,257
Memoranda:
Average total assets	$235,959,000	2,720
Average earning assets	$224,205,000	2,614
Average equity	$24,936,500	2,553
Average total loans	$168,545,500	2,452
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7993%	1,279
Cost of funding earning assets	1.4552%	2,926
Net interest margin	4.3441%	1,667
Noninterest income to average assets	1.1173%	1,182
Noninterest expense to average assets	2.2650%	6,446
Loan and lease loss provision to assets	0.6676%	2,476
Net operating income to assets	2.3095%	152
Return on assets (ROA)	2.4255%	134
Pretax return on assets	2.4255%	208
Return on Equity (ROE)	22.8580%	147
Retained earnings to average equity (ytd only)	5.9202%	1,864
Net charge-offs to loans	0.5803%	3,303
Credit loss provision to net charge-offs	159.5092%	2,195
Earnings coverage of net charge-offs (x)	7.1135%	2,201
Efficiency ratio	43.2082%	7,435
Assets per employee ($millions)	3.6492%	4,582
Cash dividends to net income (ytd only)*	74.1002%	1,053
Condition Ratios (%)
Loss allowance to loans	1.4939%	4,049
Loan loss allowance to noncurrent loans	43.5066%	5,414
Noncurrent assets plus other real estate owned to assets	3.3322%	2,118
Noncurrent loans to loans	3.4337%	2,210
Net loans and leases to total assets	70.4993%	2,410
Net loans and leases to deposits	83.2106%	2,587
Net loans and leases to core deposits	89.8407%	2,794
Total domestic deposits to total assets	84.7239%	3,985
Equity capital to assets	10.0889%	3,634
Core capital (leverage) ratio	10.7870%	2,315
Tier 1 risk-based capital ratio	14.2305%	3,726
Total risk-based capital ratio	15.4825%	3,675
Memoranda:
Average total assets	$233,683,400	2,703
Average earning assets	$221,888,400	2,608
Average equity	$24,796,600	2,574
Average total loans	$168,545,400	2,488
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.8542%	1,247
Cost of funding earning assets	1.4947%	3,014
Net interest margin	4.3594%	1,643
Noninterest income to average assets	1.0738%	1,242
Noninterest expense to average assets	2.1574%	6,719
Loan and lease loss provision to assets	0.6987%	2,197
Net operating income to assets	2.3584%	173
Return on assets (ROA)	2.3665%	179
Pretax return on assets	2.3665%	288
Return on Equity (ROE)	22.0253%	196
Retained earnings to average equity (ytd only)	11.5777%	513
Net charge-offs to loans	0.6744%	2,742
Credit loss provision to net charge-offs	143.3608%	2,742
Earnings coverage of net charge-offs (x)	6.2726%	2,555
Efficiency ratio	41.3729%	7,544
Assets per employee ($millions)	3.6928%	4,524
Cash dividends to net income (ytd only)*	47.4347%	1,741
Condition Ratios (%)
Loss allowance to loans	1.3662%	4,639
Loan loss allowance to noncurrent loans	73.5825%	3,634
Noncurrent assets plus other real estate owned to assets	2.1959%	3,209
Noncurrent loans to loans	1.8568%	3,860
Net loans and leases to total assets	68.8085%	3,032
Net loans and leases to deposits	80.9704%	3,272
Net loans and leases to core deposits	87.3100%	3,471
Total domestic deposits to total assets	84.9799%	3,625
Equity capital to assets	10.6652%	3,332
Core capital (leverage) ratio	11.1549%	2,157
Tier 1 risk-based capital ratio	14.8843%	3,311
Total risk-based capital ratio	16.1349%	3,288
Memoranda:
Average total assets	$232,804,000	2,746
Average earning assets	$221,124,000	2,654
Average equity	$25,013,000	2,587
Average total loans	$168,241,500	2,541
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9266%	1,120
Cost of funding earning assets	1.5147%	3,175
Net interest margin	4.4118%	1,415
Noninterest income to average assets	0.9565%	1,495
Noninterest expense to average assets	2.1513%	6,761
Loan and lease loss provision to assets	0.7855%	1,830
Net operating income to assets	2.2063%	227
Return on assets (ROA)	2.2185%	245
Pretax return on assets	2.2185%	393
Return on Equity (ROE)	20.5947%	283
Retained earnings to average equity (ytd only)	12.6549%	420
Net charge-offs to loans	1.0582%	1,775
Credit loss provision to net charge-offs	101.4656%	4,022
Earnings coverage of net charge-offs (x)	3.8647%	3,147
Efficiency ratio	41.8293%	7,597
Assets per employee ($millions)	3.6537%	4,580
Cash dividends to net income (ytd only)*	38.5523%	2,148
Condition Ratios (%)
Loss allowance to loans	1.1519%	5,680
Loan loss allowance to noncurrent loans	51.7904%	4,854
Noncurrent assets plus other real estate owned to assets	2.4354%	2,956
Noncurrent loans to loans	2.2242%	3,455
Net loans and leases to total assets	72.1821%	2,348
Net loans and leases to deposits	83.5900%	2,953
Net loans and leases to core deposits	89.6903%	3,315
Total domestic deposits to total assets	86.3526%	2,904
Equity capital to assets	10.8464%	3,031
Core capital (leverage) ratio	11.1924%	2,110
Tier 1 risk-based capital ratio	14.0021%	3,734
Total risk-based capital ratio	15.0756%	3,821
Memoranda:
Average total assets	$229,163,000	2,825
Average earning assets	$217,462,000	2,711
Average equity	$24,686,000	2,624
Average total loans	$167,646,000	2,587
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.8409%	1,345
Cost of funding earning assets	1.5609%	3,199
Net interest margin	4.2800%	1,757
Noninterest income to average assets	0.8835%	1,691
Noninterest expense to average assets	2.1426%	6,831
Loan and lease loss provision to assets	0.7936%	1,596
Net operating income to assets	2.0139%	337
Return on assets (ROA)	2.0386%	358
Pretax return on assets	2.0386%	570
Return on Equity (ROE)	18.9917%	440
Retained earnings to average equity (ytd only)	18.9917%	214
Net charge-offs to loans	1.1801%	1,438
Credit loss provision to net charge-offs	91.8367%	3,622
Earnings coverage of net charge-offs (x)	3.2490%	2,970
Efficiency ratio	43.2846%	7,640
Assets per employee ($millions)	3.6258%	4,753
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	1.1565%	5,736
Loan loss allowance to noncurrent loans	31.0866%	6,338
Noncurrent assets plus other real estate owned to assets	2.9984%	2,390
Noncurrent loans to loans	3.7204%	2,139
Net loans and leases to total assets	71.6117%	2,544
Net loans and leases to deposits	83.0899%	3,092
Net loans and leases to core deposits	88.9364%	3,505
Total domestic deposits to total assets	86.1858%	3,041
Equity capital to assets	10.9165%	2,838
Core capital (leverage) ratio	11.1599%	2,125
Tier 1 risk-based capital ratio	14.2020%	3,532
Total risk-based capital ratio	15.2785%	3,601
Memoranda:
Average total assets	$226,825,000	2,905
Average earning assets	$215,515,500	2,797
Average equity	$24,347,500	2,688
Average total loans	$166,090,500	2,671
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1162%	1,475
Cost of funding earning assets	1.9604%	3,150
Net interest margin	4.1557%	2,223
Noninterest income to average assets	1.0979%	1,273
Noninterest expense to average assets	2.2913%	6,771
Loan and lease loss provision to assets	1.1957%	1,926
Net operating income to assets	1.5689%	583
Return on assets (ROA)	1.8089%	365
Pretax return on assets	1.8089%	626
Return on Equity (ROE)	17.1968%	442
Retained earnings to average equity (ytd only)	7.3948%	846
Net charge-offs to loans	1.2449%	1,978
Credit loss provision to net charge-offs	128.2927%	4,019
Earnings coverage of net charge-offs (x)	2.9663%	3,595
Efficiency ratio	45.3197%	7,738
Assets per employee ($millions)	3.6327%	4,693
Cash dividends to net income (ytd only)*	56.9992%	2,141
Condition Ratios (%)
Loss allowance to loans	1.1722%	5,527
Loan loss allowance to noncurrent loans	34.2147%	6,152
Noncurrent assets plus other real estate owned to assets	2.8860%	2,431
Noncurrent loans to loans	3.4262%	2,222
Net loans and leases to total assets	73.1420%	2,469
Net loans and leases to deposits	86.2545%	2,869
Net loans and leases to core deposits	110.8827%	2,809
Total domestic deposits to total assets	84.7979%	3,653
Equity capital to assets	10.5490%	3,130
Core capital (leverage) ratio	10.4985%	2,609
Tier 1 risk-based capital ratio	13.5826%	3,770
Total risk-based capital ratio	14.6841%	3,810
Memoranda:
Average total assets	$219,962,600	2,941
Average earning assets	$209,493,000	2,842
Average equity	$23,138,000	2,813
Average total loans	$164,669,200	2,692
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1549%	1,484
Cost of funding earning assets	2.0429%	3,154
Net interest margin	4.1120%	2,347
Noninterest income to average assets	1.1495%	1,188
Noninterest expense to average assets	2.3855%	6,461
Loan and lease loss provision to assets	0.7196%	2,578
Net operating income to assets	1.9721%	311
Return on assets (ROA)	2.1136%	249
Pretax return on assets	2.1136%	428
Return on Equity (ROE)	20.1073%	305
Retained earnings to average equity (ytd only)	9.5489%	718
Net charge-offs to loans	0.4337%	3,510
Credit loss provision to net charge-offs	220.9738%	1,984
Earnings coverage of net charge-offs (x)	8.2659%	2,276
Efficiency ratio	46.9853%	7,721
Assets per employee ($millions)	3.6008%	4,685
Cash dividends to net income (ytd only)*	52.5102%	1,901
Condition Ratios (%)
Loss allowance to loans	1.2334%	4,935
Loan loss allowance to noncurrent loans	36.3636%	5,978
Noncurrent assets plus other real estate owned to assets	2.8009%	2,481
Noncurrent loans to loans	3.3918%	2,221
Net loans and leases to total assets	72.4556%	2,926
Net loans and leases to deposits	83.0356%	3,823
Net loans and leases to core deposits	105.9223%	3,708
Total domestic deposits to total assets	87.2585%	2,044
Equity capital to assets	10.6039%	3,396
Core capital (leverage) ratio	10.1611%	3,102
Tier 1 risk-based capital ratio	13.4524%	3,893
Total risk-based capital ratio	14.5832%	3,913
Memoranda:
Average total assets	$218,647,000	2,979
Average earning assets	$208,846,000	2,868
Average equity	$22,982,750	2,854
Average total loans	$164,164,500	2,722
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1999%	1,454
Cost of funding earning assets	2.0628%	3,460
Net interest margin	4.1371%	2,209
Noninterest income to average assets	1.2178%	1,046
Noninterest expense to average assets	2.4568%	6,274
Loan and lease loss provision to assets	0.6540%	2,469
Net operating income to assets	2.0588%	257
Return on assets (ROA)	2.1648%	231
Pretax return on assets	2.1648%	387
Return on Equity (ROE)	20.6569%	294
Retained earnings to average equity (ytd only)	12.0425%	436
Net charge-offs to loans	0.0207%	6,220
Credit loss provision to net charge-offs	4,176.4706%	120
Earnings coverage of net charge-offs (x)	173.2353%	238
Efficiency ratio	47.5232%	7,776
Assets per employee ($millions)	3.5396%	4,709
Cash dividends to net income (ytd only)*	41.7021%	2,346
Condition Ratios (%)
Loss allowance to loans	1.2580%	4,557
Loan loss allowance to noncurrent loans	32.5614%	6,293
Noncurrent assets plus other real estate owned to assets	3.0895%	2,036
Noncurrent loans to loans	3.8635%	1,759
Net loans and leases to total assets	73.9278%	2,719
Net loans and leases to deposits	86.8257%	3,382
Net loans and leases to core deposits	111.3560%	3,220
Total domestic deposits to total assets	85.1451%	3,191
Equity capital to assets	10.6518%	3,248
Core capital (leverage) ratio	10.6523%	2,700
Tier 1 risk-based capital ratio	12.3611%	4,631
Total risk-based capital ratio	13.4541%	4,659
Memoranda:
Average total assets	$217,113,670	3,014
Average earning assets	$207,391,330	2,904
Average equity	$22,752,670	2,881
Average total loans	$164,294,330	2,751
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.2841%	1,347
Cost of funding earning assets	2.0889%	3,699
Net interest margin	4.1952%	1,916
Noninterest income to average assets	1.3244%	816
Noninterest expense to average assets	2.2321%	6,748
Loan and lease loss provision to assets	0.4260%	2,792
Net operating income to assets	2.6878%	92
Return on assets (ROA)	2.8137%	102
Pretax return on assets	2.8137%	151
Return on Equity (ROE)	27.0754%	141
Retained earnings to average equity (ytd only)	27.0754%	66
Net charge-offs to loans	0.0195%	5,293
Credit loss provision to net charge-offs	2,875.0000%	234
Earnings coverage of net charge-offs (x)	210.1250%	201
Efficiency ratio	41.7533%	8,007
Assets per employee ($millions)	3.4839%	4,860
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	0.9746%	6,347
Loan loss allowance to noncurrent loans	24.7711%	6,925
Noncurrent assets plus other real estate owned to assets	3.1367%	1,789
Noncurrent loans to loans	3.9345%	1,546
Net loans and leases to total assets	76.3041%	2,204
Net loans and leases to deposits	87.8549%	3,312
Net loans and leases to core deposits	111.5107%	3,258
Total domestic deposits to total assets	86.8524%	2,295
Equity capital to assets	10.7869%	3,199
Core capital (leverage) ratio	10.7805%	2,672
Tier 1 risk-based capital ratio	13.2563%	4,021
Total risk-based capital ratio	14.1414%	4,183
Memoranda:
Average total assets	$215,942,500	3,043
Average earning assets	$206,999,500	2,920
Average equity	$22,441,000	2,926
Average total loans	$164,288,500	2,780
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.7206%	1,953
Cost of funding earning assets	2.4744%	4,338
Net interest margin	4.2462%	2,128
Noninterest income to average assets	1.1077%	1,280
Noninterest expense to average assets	2.3759%	6,488
Loan and lease loss provision to assets	0.5860%	2,479
Net operating income to assets	2.2177%	228
Return on assets (ROA)	1.5711%	852
Pretax return on assets	1.5711%	1,473
Return on Equity (ROE)	16.0585%	765
Retained earnings to average equity (ytd only)	7.0011%	1,151
Net charge-offs to loans	0.9164%	1,352
Credit loss provision to net charge-offs	86.0558%	5,761
Earnings coverage of net charge-offs (x)	4.1175%	4,100
Efficiency ratio	45.8712%	7,935
Assets per employee ($millions)	3.4820%	4,718
Cash dividends to net income (ytd only)*	56.4029%	2,828
Condition Ratios (%)
Loss allowance to loans	0.8336%	6,963
Loan loss allowance to noncurrent loans	23.5274%	7,071
Noncurrent assets plus other real estate owned to assets	2.8851%	1,613
Noncurrent loans to loans	3.5432%	1,428
Net loans and leases to total assets	74.5085%	2,988
Net loans and leases to deposits	92.3033%	3,081
Net loans and leases to core deposits	118.6100%	2,826
Total domestic deposits to total assets	80.7213%	4,763
Equity capital to assets	10.0097%	4,026
Core capital (leverage) ratio	10.1585%	3,315
Tier 1 risk-based capital ratio	12.3566%	4,545
Total risk-based capital ratio	13.1151%	4,828
Memoranda:
Average total assets	$221,179,200	2,862
Average earning assets	$212,094,600	2,750
Average equity	$21,639,600	3,019
Average total loans	$164,333,800	2,708