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Bank of York, Performance and Condition Ratios

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2025-03-31		Rank
Percentage of unprofitable institutions	0.0000%	303
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7636%	3,510
Cost of funding earning assets	0.5609%	4,268
Net interest margin	4.2027%	968
Noninterest income to average assets	0.3400%	2,607
Noninterest expense to average assets	2.3226%	2,791
Loan and lease loss provision to assets	0.0100%	2,596
Net operating income to assets	1.5823%	937
Return on assets (ROA)	1.5823%	931
Pretax return on assets	2.0603%	623
Return on Equity (ROE)	13.8800%	1,293
Retained earnings to average equity (ytd only)	13.8824%	550
Net charge-offs to loans	0.0122%	1,800
Credit loss provision to net charge-offs	0.0000%	1,760
Earnings coverage of net charge-offs (x)	516.3333%	185
Efficiency ratio	52.8319%	3,693
Assets per employee ($millions)	8.0025%	1,568
Cash dividends to net income (ytd only)*	0.0000%	2,332
Condition Ratios (%)
Loss allowance to loans	1.1689%	2,357
Loan loss allowance to noncurrent loans	204.5614%	2,124
Noncurrent assets plus other real estate owned to assets	0.1925%	2,552
Noncurrent loans to loans	0.5714%	1,710
Net loans and leases to total assets	33.3000%	4,135
Net loans and leases to deposits	38.3665%	4,164
Net loans and leases to core deposits	39.6190%	4,173
Total domestic deposits to total assets	86.7800%	2,014
Equity capital to assets	11.7440%	1,331
Core capital (leverage) ratio	12.1560%	1,388
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	30.8633%	239
Memoranda:
Average total assets	$298,798,500	2,484
Average earning assets	$288,103,000	2,432
Average equity	$34,057,500	2,270
Average total loans	$98,541,000	3,230
2024-12-31		Rank
Percentage of unprofitable institutions	0.0000%	319
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1589%	2,825
Cost of funding earning assets	0.5741%	4,285
Net interest margin	4.5849%	573
Noninterest income to average assets	0.3600%	2,692
Noninterest expense to average assets	2.3436%	2,735
Loan and lease loss provision to assets	0.0800%	1,685
Net operating income to assets	1.8286%	526
Return on assets (ROA)	1.8286%	522
Pretax return on assets	2.3614%	353
Return on Equity (ROE)	17.0000%	669
Retained earnings to average equity (ytd only)	10.7336%	475
Net charge-offs to loans	0.0686%	1,445
Credit loss provision to net charge-offs	390.6250%	751
Earnings coverage of net charge-offs (x)	113.5938%	744
Efficiency ratio	48.9359%	4,038
Assets per employee ($millions)	8.3752%	1,330
Cash dividends to net income (ytd only)*	36.8469%	2,281
Condition Ratios (%)
Loss allowance to loans	1.2010%	2,154
Loan loss allowance to noncurrent loans	209.4982%	2,104
Noncurrent assets plus other real estate owned to assets	0.1851%	2,517
Noncurrent loans to loans	0.5733%	1,650
Net loans and leases to total assets	31.8900%	4,199
Net loans and leases to deposits	36.4653%	4,211
Net loans and leases to core deposits	37.5026%	4,224
Total domestic deposits to total assets	87.4600%	1,720
Equity capital to assets	11.0585%	1,563
Core capital (leverage) ratio	11.5148%	1,667
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	30.4484%	248
Memoranda:
Average total assets	$297,279,400	2,481
Average earning assets	$287,075,600	2,416
Average equity	$31,983,600	2,301
Average total loans	$93,283,800	3,274
2024-09-30		Rank
Percentage of unprofitable institutions	0.0000%	305
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1760%	2,708
Cost of funding earning assets	0.5643%	4,319
Net interest margin	4.6117%	552
Noninterest income to average assets	0.3700%	2,610
Noninterest expense to average assets	2.3824%	2,576
Loan and lease loss provision to assets	0.0000%	3,009
Net operating income to assets	1.9138%	493
Return on assets (ROA)	1.9138%	497
Pretax return on assets	2.4404%	350
Return on Equity (ROE)	17.9200%	595
Retained earnings to average equity (ytd only)	17.9155%	147
Net charge-offs to loans	0.0462%	1,449
Credit loss provision to net charge-offs	0.0000%	2,285
Earnings coverage of net charge-offs (x)	169.4375%	578
Efficiency ratio	49.3980%	4,015
Assets per employee ($millions)	7.9298%	1,567
Cash dividends to net income (ytd only)*	0.0000%	3,021
Condition Ratios (%)
Loss allowance to loans	1.0173%	3,158
Loan loss allowance to noncurrent loans	167.7249%	2,441
Noncurrent assets plus other real estate owned to assets	0.1932%	2,497
Noncurrent loans to loans	0.6066%	1,572
Net loans and leases to total assets	31.5400%	4,234
Net loans and leases to deposits	36.5700%	4,241
Net loans and leases to core deposits	37.6366%	4,262
Total domestic deposits to total assets	86.2300%	1,853
Equity capital to assets	11.7306%	1,384
Core capital (leverage) ratio	11.9712%	1,497
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	31.7121%	221
Memoranda:
Average total assets	$296,222,750	2,479
Average earning assets	$286,131,750	2,419
Average equity	$31,644,000	2,310
Average total loans	$92,271,750	3,292
2024-06-30		Rank
Percentage of unprofitable institutions	0.0000%	306
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1384%	2,681
Cost of funding earning assets	0.5411%	4,330
Net interest margin	4.5972%	547
Noninterest income to average assets	0.3800%	2,498
Noninterest expense to average assets	2.3825%	2,568
Loan and lease loss provision to assets	0.0000%	2,867
Net operating income to assets	1.8858%	524
Return on assets (ROA)	1.8858%	525
Pretax return on assets	2.4397%	353
Return on Equity (ROE)	18.2400%	593
Retained earnings to average equity (ytd only)	18.2426%	167
Net charge-offs to loans	0.0784%	1,015
Credit loss provision to net charge-offs	0.0000%	2,036
Earnings coverage of net charge-offs (x)	100.6944%	769
Efficiency ratio	49.4068%	4,043
Assets per employee ($millions)	8.1184%	1,390
Cash dividends to net income (ytd only)*	0.0000%	2,897
Condition Ratios (%)
Loss allowance to loans	1.0372%	3,082
Loan loss allowance to noncurrent loans	179.0170%	2,431
Noncurrent assets plus other real estate owned to assets	0.1810%	2,493
Noncurrent loans to loans	0.5794%	1,575
Net loans and leases to total assets	30.9200%	4,253
Net loans and leases to deposits	35.6659%	4,268
Net loans and leases to core deposits	36.5937%	4,270
Total domestic deposits to total assets	86.6800%	1,765
Equity capital to assets	11.0342%	1,554
Core capital (leverage) ratio	11.5424%	1,689
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	31.1982%	237
Memoranda:
Average total assets	$297,162,667	2,465
Average earning assets	$287,172,667	2,402
Average equity	$30,719,333	2,318
Average total loans	$91,869,333	3,295
2024-03-31		Rank
Percentage of unprofitable institutions	0.0000%	11
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0720%	2,644
Cost of funding earning assets	0.5192%	4,351
Net interest margin	4.5528%	557
Noninterest income to average assets	0.3500%	2,619
Noninterest expense to average assets	2.6541%	1,805
Loan and lease loss provision to assets	0.0000%	2,519
Net operating income to assets	1.6274%	741
Return on assets (ROA)	1.6274%	750
Pretax return on assets	2.1000%	554
Return on Equity (ROE)	16.2800%	807
Retained earnings to average equity (ytd only)	16.2780%	345
Net charge-offs to loans	0.0217%	1,416
Credit loss provision to net charge-offs	0.0000%	1,619
Earnings coverage of net charge-offs (x)	314.6000%	290
Efficiency ratio	55.8270%	3,616
Assets per employee ($millions)	8.8900%	1,062
Cash dividends to net income (ytd only)*	0.0000%	2,272
Condition Ratios (%)
Loss allowance to loans	1.0551%	3,025
Loan loss allowance to noncurrent loans	369.0566%	1,652
Noncurrent assets plus other real estate owned to assets	0.0903%	3,027
Noncurrent loans to loans	0.2859%	2,298
Net loans and leases to total assets	31.2600%	4,254
Net loans and leases to deposits	35.6008%	4,270
Net loans and leases to core deposits	36.6202%	4,323
Total domestic deposits to total assets	87.8100%	1,491
Equity capital to assets	10.4101%	1,775
Core capital (leverage) ratio	10.8883%	2,031
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	29.7718%	271
Memoranda:
Average total assets	$299,612,000	2,461
Average earning assets	$289,667,000	2,391
Average equity	$29,954,500	2,357
Average total loans	$92,153,000	3,297
2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7852%	2,503
Cost of funding earning assets	0.3727%	4,312
Net interest margin	4.4125%	699
Noninterest income to average assets	0.3100%	3,052
Noninterest expense to average assets	2.1798%	3,184
Loan and lease loss provision to assets	0.1000%	1,286
Net operating income to assets	1.7917%	622
Return on assets (ROA)	1.7917%	597
Pretax return on assets	2.3022%	431
Return on Equity (ROE)	19.3400%	677
Retained earnings to average equity (ytd only)	7.9279%	1,560
Net charge-offs to loans	0.0785%	1,080
Credit loss provision to net charge-offs	430.5556%	743
Earnings coverage of net charge-offs (x)	103.2639%	889
Efficiency ratio	47.5707%	4,110
Assets per employee ($millions)	8.2664%	1,298
Cash dividends to net income (ytd only)*	59.0081%	1,230
Condition Ratios (%)
Loss allowance to loans	1.0730%	2,968
Loan loss allowance to noncurrent loans	369.5489%	1,774
Noncurrent assets plus other real estate owned to assets	0.0870%	2,952
Noncurrent loans to loans	0.2903%	2,134
Net loans and leases to total assets	29.6300%	4,301
Net loans and leases to deposits	33.3003%	4,316
Net loans and leases to core deposits	34.2267%	4,361
Total domestic deposits to total assets	88.9900%	1,067
Equity capital to assets	9.6023%	2,273
Core capital (leverage) ratio	10.2360%	2,564
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	29.2622%	271
Memoranda:
Average total assets	$309,481,600	2,382
Average earning assets	$299,402,000	2,309
Average equity	$28,670,800	2,335
Average total loans	$91,668,800	3,268
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6602%	2,556
Cost of funding earning assets	0.3249%	4,339
Net interest margin	4.3353%	766
Noninterest income to average assets	0.3100%	3,041
Noninterest expense to average assets	2.0344%	3,507
Loan and lease loss provision to assets	0.0700%	1,559
Net operating income to assets	1.8402%	611
Return on assets (ROA)	1.8402%	602
Pretax return on assets	2.3999%	426
Return on Equity (ROE)	20.0400%	719
Retained earnings to average equity (ytd only)	20.0442%	259
Net charge-offs to loans	0.0349%	1,393
Credit loss provision to net charge-offs	666.6667%	526
Earnings coverage of net charge-offs (x)	239.4583%	531
Efficiency ratio	45.1779%	4,181
Assets per employee ($millions)	8.0515%	1,326
Cash dividends to net income (ytd only)*	0.0000%	3,002
Condition Ratios (%)
Loss allowance to loans	0.9587%	3,534
Loan loss allowance to noncurrent loans	224.7449%	2,361
Noncurrent assets plus other real estate owned to assets	0.1281%	2,700
Noncurrent loans to loans	0.4266%	1,764
Net loans and leases to total assets	29.7500%	4,318
Net loans and leases to deposits	34.0577%	4,328
Net loans and leases to core deposits	35.0078%	4,340
Total domestic deposits to total assets	87.3400%	1,784
Equity capital to assets	9.9655%	1,849
Core capital (leverage) ratio	10.8511%	2,098
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	31.7192%	234
Memoranda:
Average total assets	$310,388,250	2,377
Average earning assets	$300,350,500	2,307
Average equity	$28,496,250	2,325
Average total loans	$91,682,000	3,269
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5268%	2,582
Cost of funding earning assets	0.2563%	4,372
Net interest margin	4.2705%	843
Noninterest income to average assets	0.3200%	2,963
Noninterest expense to average assets	2.0201%	3,546
Loan and lease loss provision to assets	0.1000%	1,140
Net operating income to assets	1.7982%	661
Return on assets (ROA)	1.7982%	660
Pretax return on assets	2.3311%	446
Return on Equity (ROE)	20.1500%	688
Retained earnings to average equity (ytd only)	20.1497%	245
Net charge-offs to loans	0.0109%	1,794
Credit loss provision to net charge-offs	3,200.0000%	166
Earnings coverage of net charge-offs (x)	759.0000%	200
Efficiency ratio	45.3564%	4,195
Assets per employee ($millions)	8.3715%	1,151
Cash dividends to net income (ytd only)*	0.0000%	2,909
Condition Ratios (%)
Loss allowance to loans	0.9659%	3,548
Loan loss allowance to noncurrent loans	219.2683%	2,493
Noncurrent assets plus other real estate owned to assets	0.1360%	2,596
Noncurrent loans to loans	0.4405%	1,620
Net loans and leases to total assets	30.5800%	4,315
Net loans and leases to deposits	34.7433%	4,320
Net loans and leases to core deposits	35.4609%	4,334
Total domestic deposits to total assets	88.0300%	1,588
Equity capital to assets	9.7065%	2,027
Core capital (leverage) ratio	10.3480%	2,433
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	29.2877%	273
Memoranda:
Average total assets	$311,865,333	2,369
Average earning assets	$301,932,667	2,297
Average equity	$27,831,667	2,370
Average total loans	$91,610,667	3,277
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2533%	2,918
Cost of funding earning assets	0.1732%	4,415
Net interest margin	4.0802%	1,127
Noninterest income to average assets	0.3100%	2,990
Noninterest expense to average assets	2.1154%	3,341
Loan and lease loss provision to assets	0.1500%	723
Net operating income to assets	1.5162%	1,156
Return on assets (ROA)	1.5162%	1,136
Pretax return on assets	1.9980%	784
Return on Equity (ROE)	17.7300%	1,061
Retained earnings to average equity (ytd only)	17.7280%	535
Net charge-offs to loans	0.0088%	1,616
Credit loss provision to net charge-offs	6,000.0000%	78
Earnings coverage of net charge-offs (x)	852.0000%	127
Efficiency ratio	49.6007%	3,972
Assets per employee ($millions)	8.6768%	1,064
Cash dividends to net income (ytd only)*	0.0000%	2,306
Condition Ratios (%)
Loss allowance to loans	0.9435%	3,740
Loan loss allowance to noncurrent loans	244.4759%	2,457
Noncurrent assets plus other real estate owned to assets	0.1162%	2,706
Noncurrent loans to loans	0.3859%	1,773
Net loans and leases to total assets	29.8400%	4,373
Net loans and leases to deposits	33.6135%	4,386
Net loans and leases to core deposits	34.2314%	4,392
Total domestic deposits to total assets	88.7600%	1,635
Equity capital to assets	9.1957%	2,375
Core capital (leverage) ratio	9.7318%	2,966
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	27.3815%	300
Memoranda:
Average total assets	$317,110,500	2,374
Average earning assets	$307,242,500	2,304
Average equity	$27,121,000	2,430
Average total loans	$90,879,000	3,318
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.5934%	4,463
Cost of funding earning assets	0.0649%	4,523
Net interest margin	2.5285%	4,257
Noninterest income to average assets	0.3000%	3,332
Noninterest expense to average assets	1.7446%	4,097
Loan and lease loss provision to assets	0.0000%	2,926
Net operating income to assets	0.7885%	3,364
Return on assets (ROA)	0.7885%	3,297
Pretax return on assets	1.0080%	3,054
Return on Equity (ROE)	9.8200%	2,863
Retained earnings to average equity (ytd only)	5.0540%	3,027
Net charge-offs to loans	0.1133%	662
Credit loss provision to net charge-offs	0.0000%	1,979
Earnings coverage of net charge-offs (x)	34.3958%	1,600
Efficiency ratio	63.3803%	2,580
Assets per employee ($millions)	9.4438%	799
Cash dividends to net income (ytd only)*	48.5095%	1,479
Condition Ratios (%)
Loss allowance to loans	0.8251%	3,976
Loan loss allowance to noncurrent loans	217.2012%	2,571
Noncurrent assets plus other real estate owned to assets	0.1038%	2,810
Noncurrent loans to loans	0.3799%	1,780
Net loans and leases to total assets	27.0900%	4,457
Net loans and leases to deposits	29.7751%	4,479
Net loans and leases to core deposits	30.2449%	4,482
Total domestic deposits to total assets	90.9800%	967
Equity capital to assets	7.9617%	3,081
Core capital (leverage) ratio	8.9360%	3,751
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	26.2998%	323
Memoranda:
Average total assets	$327,574,800	2,308
Average earning assets	$317,502,600	2,250
Average equity	$26,315,600	2,512
Average total loans	$84,717,000	3,345
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.1523%	4,576
Cost of funding earning assets	0.0471%	4,587
Net interest margin	2.1051%	4,514
Noninterest income to average assets	0.3000%	3,360
Noninterest expense to average assets	1.6999%	4,149
Loan and lease loss provision to assets	0.0000%	2,752
Net operating income to assets	0.5128%	4,047
Return on assets (ROA)	0.5128%	3,994
Pretax return on assets	0.6429%	3,910
Return on Equity (ROE)	6.3700%	3,722
Retained earnings to average equity (ytd only)	5.8469%	2,806
Net charge-offs to loans	0.1024%	606
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	24.6250%	1,624
Efficiency ratio	72.5579%	1,438
Assets per employee ($millions)	9.4659%	772
Cash dividends to net income (ytd only)*	8.1941%	2,893
Condition Ratios (%)
Loss allowance to loans	0.8694%	3,944
Loan loss allowance to noncurrent loans	197.2081%	2,703
Noncurrent assets plus other real estate owned to assets	0.1224%	2,748
Noncurrent loans to loans	0.4408%	1,702
Net loans and leases to total assets	27.5300%	4,469
Net loans and leases to deposits	30.4497%	4,493
Net loans and leases to core deposits	31.0509%	4,494
Total domestic deposits to total assets	90.4100%	1,469
Equity capital to assets	8.0077%	2,890
Core capital (leverage) ratio	8.8943%	3,706
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	27.0750%	311
Memoranda:
Average total assets	$326,835,000	2,333
Average earning assets	$316,804,500	2,268
Average equity	$26,315,500	2,552
Average total loans	$83,324,250	3,374
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	1.7972%	4,665
Cost of funding earning assets	0.0471%	4,613
Net interest margin	1.7501%	4,644
Noninterest income to average assets	0.2995%	3,365
Noninterest expense to average assets	1.6310%	4,259
Loan and lease loss provision to assets	0.0000%	2,599
Net operating income to assets	0.3008%	4,287
Return on assets (ROA)	0.3008%	4,236
Pretax return on assets	0.3653%	4,208
Return on Equity (ROE)	3.7288%	4,090
Retained earnings to average equity (ytd only)	2.9513%	3,461
Net charge-offs to loans	0.1082%	557
Credit loss provision to net charge-offs	0.0000%	1,663
Earnings coverage of net charge-offs (x)	13.6364%	1,684
Efficiency ratio	81.7017%	823
Assets per employee ($millions)	9.0187%	880
Cash dividends to net income (ytd only)*	20.8502%	2,431
Condition Ratios (%)
Loss allowance to loans	0.9259%	3,876
Loan loss allowance to noncurrent loans	196.7901%	2,700
Noncurrent assets plus other real estate owned to assets	0.1247%	2,832
Noncurrent loans to loans	0.4705%	1,703
Net loans and leases to total assets	26.2657%	4,554
Net loans and leases to deposits	29.1465%	4,569
Net loans and leases to core deposits	29.6843%	4,574
Total domestic deposits to total assets	90.1162%	1,668
Equity capital to assets	7.9760%	3,141
Core capital (leverage) ratio	8.6310%	3,826
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	26.9427%	291
Memoranda:
Average total assets	$328,500,333	2,331
Average earning assets	$318,501,667	2,279
Average equity	$26,496,667	2,608
Average total loans	$81,307,000	3,435
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	1.6475%	4,692
Cost of funding earning assets	0.0474%	4,618
Net interest margin	1.6001%	4,671
Noninterest income to average assets	0.3002%	3,315
Noninterest expense to average assets	1.7021%	4,132
Loan and lease loss provision to assets	0.0000%	2,285
Net operating income to assets	0.1283%	4,433
Return on assets (ROA)	0.1283%	4,403
Pretax return on assets	0.1501%	4,388
Return on Equity (ROE)	1.5823%	4,328
Retained earnings to average equity (ytd only)	1.5823%	3,661
Net charge-offs to loans	-0.0101%	3,592
Credit loss provision to net charge-offs	0.0000%	1,336
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	91.8954%	468
Assets per employee ($millions)	8.9679%	931
Cash dividends to net income (ytd only)*	0.0000%	2,254
Condition Ratios (%)
Loss allowance to loans	1.0729%	3,443
Loan loss allowance to noncurrent loans	135.7488%	3,082
Noncurrent assets plus other real estate owned to assets	0.1978%	2,442
Noncurrent loans to loans	0.7904%	1,201
Net loans and leases to total assets	24.7631%	4,599
Net loans and leases to deposits	27.6866%	4,605
Net loans and leases to core deposits	28.1752%	4,610
Total domestic deposits to total assets	89.4408%	1,848
Equity capital to assets	8.3383%	3,293
Core capital (leverage) ratio	8.4021%	3,962
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	27.0864%	291
Memoranda:
Average total assets	$330,413,500	2,338
Average earning assets	$320,476,500	2,282
Average equity	$26,797,000	2,662
Average total loans	$78,923,000	3,471
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.1688%	4,631
Cost of funding earning assets	0.0611%	4,641
Net interest margin	2.1077%	4,537
Noninterest income to average assets	0.3298%	3,438
Noninterest expense to average assets	1.8653%	4,007
Loan and lease loss provision to assets	0.0000%	3,064
Net operating income to assets	0.4119%	4,259
Return on assets (ROA)	0.4119%	4,296
Pretax return on assets	0.4999%	4,259
Return on Equity (ROE)	4.3331%	4,146
Retained earnings to average equity (ytd only)	0.5667%	4,359
Net charge-offs to loans	-0.0466%	4,297
Credit loss provision to net charge-offs	0.0000%	2,330
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	78.8639%	879
Assets per employee ($millions)	9.6375%	748
Cash dividends to net income (ytd only)*	86.9205%	377
Condition Ratios (%)
Loss allowance to loans	1.0608%	3,522
Loan loss allowance to noncurrent loans	200.2381%	2,592
Noncurrent assets plus other real estate owned to assets	0.1211%	3,085
Noncurrent loans to loans	0.5298%	1,806
Net loans and leases to total assets	22.6074%	4,680
Net loans and leases to deposits	25.0116%	4,702
Net loans and leases to core deposits	25.3851%	4,702
Total domestic deposits to total assets	90.3876%	768
Equity capital to assets	7.8914%	4,422
Core capital (leverage) ratio	8.6745%	3,749
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$293,249,200	2,463
Average earning assets	$283,196,400	2,413
Average equity	$27,878,400	2,657
Average total loans	$83,665,400	3,419
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.2383%	4,701
Cost of funding earning assets	0.0652%	4,713
Net interest margin	2.1731%	4,585
Noninterest income to average assets	0.3359%	3,425
Noninterest expense to average assets	1.9769%	3,746
Loan and lease loss provision to assets	0.0000%	2,963
Net operating income to assets	0.3788%	4,403
Return on assets (ROA)	0.3788%	4,438
Pretax return on assets	0.4541%	4,425
Return on Equity (ROE)	3.7852%	4,338
Retained earnings to average equity (ytd only)	3.7852%	3,644
Net charge-offs to loans	-0.0330%	4,174
Credit loss provision to net charge-offs	0.0000%	2,044
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	81.3211%	680
Assets per employee ($millions)	8.6834%	991
Cash dividends to net income (ytd only)*	0.0000%	3,236
Condition Ratios (%)
Loss allowance to loans	1.0293%	3,744
Loan loss allowance to noncurrent loans	63.5521%	3,806
Noncurrent assets plus other real estate owned to assets	0.4261%	1,756
Noncurrent loans to loans	1.6195%	633
Net loans and leases to total assets	26.0393%	4,700
Net loans and leases to deposits	29.4616%	4,714
Net loans and leases to core deposits	29.9070%	4,726
Total domestic deposits to total assets	88.3837%	1,625
Equity capital to assets	9.3088%	3,551
Core capital (leverage) ratio	9.3652%	3,160
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$279,824,250	2,559
Average earning assets	$269,780,250	2,509
Average equity	$28,003,250	2,684
Average total loans	$84,762,500	3,455
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.2811%	4,734
Cost of funding earning assets	0.0703%	4,745
Net interest margin	2.2108%	4,594
Noninterest income to average assets	0.3422%	3,396
Noninterest expense to average assets	2.0001%	3,697
Loan and lease loss provision to assets	0.0000%	2,862
Net operating income to assets	0.4047%	4,374
Return on assets (ROA)	0.4047%	4,415
Pretax return on assets	0.4702%	4,428
Return on Equity (ROE)	3.9416%	4,342
Retained earnings to average equity (ytd only)	3.9416%	3,539
Net charge-offs to loans	-0.0324%	4,187
Credit loss provision to net charge-offs	0.0000%	1,801
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	80.9651%	726
Assets per employee ($millions)	8.1055%	1,161
Cash dividends to net income (ytd only)*	0.0000%	3,087
Condition Ratios (%)
Loss allowance to loans	0.9435%	4,017
Loan loss allowance to noncurrent loans	66.9951%	3,749
Noncurrent assets plus other real estate owned to assets	0.4293%	1,903
Noncurrent loans to loans	1.4083%	828
Net loans and leases to total assets	30.1993%	4,644
Net loans and leases to deposits	34.5262%	4,671
Net loans and leases to core deposits	35.0915%	4,693
Total domestic deposits to total assets	87.4677%	2,111
Equity capital to assets	9.8910%	2,958
Core capital (leverage) ratio	9.6344%	2,777
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$271,793,000	2,597
Average earning assets	$261,629,667	2,550
Average equity	$27,907,333	2,681
Average total loans	$86,363,000	3,449
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.4499%	4,688
Cost of funding earning assets	0.0815%	4,738
Net interest margin	2.3684%	4,450
Noninterest income to average assets	0.3400%	3,396
Noninterest expense to average assets	1.9621%	3,830
Loan and lease loss provision to assets	0.0000%	2,741
Net operating income to assets	0.5447%	4,086
Return on assets (ROA)	0.5447%	4,127
Pretax return on assets	0.6530%	4,105
Return on Equity (ROE)	5.2028%	4,052
Retained earnings to average equity (ytd only)	5.2028%	3,161
Net charge-offs to loans	-0.0788%	4,562
Credit loss provision to net charge-offs	0.0000%	1,471
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	75.0288%	1,219
Assets per employee ($millions)	7.7339%	1,323
Cash dividends to net income (ytd only)*	0.0000%	2,433
Condition Ratios (%)
Loss allowance to loans	0.9456%	4,031
Loan loss allowance to noncurrent loans	66.2086%	3,767
Noncurrent assets plus other real estate owned to assets	0.4570%	2,026
Noncurrent loans to loans	1.4282%	885
Net loans and leases to total assets	31.6941%	4,638
Net loans and leases to deposits	36.2935%	4,669
Net loans and leases to core deposits	36.8358%	4,690
Total domestic deposits to total assets	87.3271%	2,168
Equity capital to assets	10.3170%	2,424
Core capital (leverage) ratio	10.2056%	2,328
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$265,843,500	2,625
Average earning assets	$255,361,000	2,570
Average equity	$27,831,000	2,683
Average total loans	$86,300,000	3,466
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.6400%	4,812
Cost of funding earning assets	0.1256%	4,798
Net interest margin	2.5144%	4,573
Noninterest income to average assets	0.3671%	3,277
Noninterest expense to average assets	2.3524%	3,265
Loan and lease loss provision to assets	0.0000%	4,319
Net operating income to assets	0.3593%	4,329
Return on assets (ROA)	0.3593%	4,400
Pretax return on assets	0.4213%	4,385
Return on Equity (ROE)	3.1516%	4,340
Retained earnings to average equity (ytd only)	0.8131%	4,288
Net charge-offs to loans	0.0023%	3,314
Credit loss provision to net charge-offs	0.0000%	3,264
Earnings coverage of net charge-offs (x)	513.5000%	227
Efficiency ratio	84.8122%	577
Assets per employee ($millions)	7.0540%	1,545
Cash dividends to net income (ytd only)*	74.2009%	817
Condition Ratios (%)
Loss allowance to loans	0.9327%	4,092
Loan loss allowance to noncurrent loans	58.7116%	3,903
Noncurrent assets plus other real estate owned to assets	0.5234%	1,981
Noncurrent loans to loans	1.5886%	830
Net loans and leases to total assets	32.6388%	4,692
Net loans and leases to deposits	37.2505%	4,713
Net loans and leases to core deposits	37.7805%	4,744
Total domestic deposits to total assets	87.6199%	1,647
Equity capital to assets	10.6265%	2,570
Core capital (leverage) ratio	10.0992%	2,510
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$243,789,600	2,625
Average earning assets	$233,332,800	2,577
Average equity	$27,795,000	2,616
Average total loans	$85,479,800	3,477
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.6940%	4,863
Cost of funding earning assets	0.1345%	4,844
Net interest margin	2.5596%	4,611
Noninterest income to average assets	0.3674%	3,260
Noninterest expense to average assets	2.2503%	3,552
Loan and lease loss provision to assets	0.0000%	4,239
Net operating income to assets	0.4721%	4,111
Return on assets (ROA)	0.4721%	4,187
Pretax return on assets	0.5651%	4,164
Return on Equity (ROE)	4.0656%	4,141
Retained earnings to average equity (ytd only)	4.0656%	3,013
Net charge-offs to loans	-0.0109%	4,246
Credit loss provision to net charge-offs	0.0000%	3,006
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	79.9288%	873
Assets per employee ($millions)	7.0185%	1,490
Cash dividends to net income (ytd only)*	0.0000%	3,332
Condition Ratios (%)
Loss allowance to loans	0.9006%	4,070
Loan loss allowance to noncurrent loans	67.1914%	3,778
Noncurrent assets plus other real estate owned to assets	0.4648%	2,328
Noncurrent loans to loans	1.3404%	1,099
Net loans and leases to total assets	34.3630%	4,728
Net loans and leases to deposits	39.8521%	4,755
Net loans and leases to core deposits	40.4676%	4,778
Total domestic deposits to total assets	86.2264%	1,971
Equity capital to assets	10.9155%	2,463
Core capital (leverage) ratio	10.2958%	2,435
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$239,487,250	2,626
Average earning assets	$229,043,000	2,588
Average equity	$27,810,000	2,606
Average total loans	$85,352,500	3,497
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9005%	4,881
Cost of funding earning assets	0.1476%	4,886
Net interest margin	2.7529%	4,504
Noninterest income to average assets	0.3686%	3,268
Noninterest expense to average assets	2.3355%	3,437
Loan and lease loss provision to assets	0.0000%	4,134
Net operating income to assets	0.5413%	3,904
Return on assets (ROA)	0.5413%	3,983
Pretax return on assets	0.6616%	3,951
Return on Equity (ROE)	4.5600%	3,956
Retained earnings to average equity (ytd only)	4.5600%	2,676
Net charge-offs to loans	0.0716%	1,531
Credit loss provision to net charge-offs	0.0000%	2,759
Earnings coverage of net charge-offs (x)	25.6667%	1,544
Efficiency ratio	77.9243%	1,064
Assets per employee ($millions)	6.5557%	1,737
Cash dividends to net income (ytd only)*	0.0000%	3,182
Condition Ratios (%)
Loss allowance to loans	0.8547%	4,173
Loan loss allowance to noncurrent loans	52.8328%	4,010
Noncurrent assets plus other real estate owned to assets	0.5933%	2,030
Noncurrent loans to loans	1.6178%	907
Net loans and leases to total assets	36.0404%	4,721
Net loans and leases to deposits	41.8739%	4,747
Net loans and leases to core deposits	42.5994%	4,786
Total domestic deposits to total assets	86.0689%	1,980
Equity capital to assets	11.3396%	2,095
Core capital (leverage) ratio	11.7192%	1,544
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$232,754,333	2,660
Average earning assets	$222,238,667	2,610
Average equity	$27,631,333	2,610
Average total loans	$83,787,667	3,521
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3147%	4,798
Cost of funding earning assets	0.1697%	4,942
Net interest margin	3.1449%	3,996
Noninterest income to average assets	0.4079%	3,041
Noninterest expense to average assets	2.2995%	3,771
Loan and lease loss provision to assets	0.0000%	3,711
Net operating income to assets	0.8817%	2,578
Return on assets (ROA)	0.8817%	2,680
Pretax return on assets	1.1114%	2,474
Return on Equity (ROE)	7.2468%	2,854
Retained earnings to average equity (ytd only)	7.2468%	1,460
Net charge-offs to loans	0.1791%	750
Credit loss provision to net charge-offs	0.0000%	2,252
Earnings coverage of net charge-offs (x)	17.3333%	1,496
Efficiency ratio	67.4151%	2,753
Assets per employee ($millions)	5.7554%	1,889
Cash dividends to net income (ytd only)*	0.0000%	2,581
Condition Ratios (%)
Loss allowance to loans	0.9555%	3,910
Loan loss allowance to noncurrent loans	51.9973%	4,052
Noncurrent assets plus other real estate owned to assets	0.6638%	2,010
Noncurrent loans to loans	1.8376%	811
Net loans and leases to total assets	35.4657%	4,798
Net loans and leases to deposits	41.2260%	4,815
Net loans and leases to core deposits	42.0192%	4,843
Total domestic deposits to total assets	86.0275%	1,993
Equity capital to assets	12.2818%	1,862
Core capital (leverage) ratio	11.9527%	1,770
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$224,572,500	2,675
Average earning assets	$214,440,000	2,622
Average equity	$27,322,500	2,617
Average total loans	$80,403,000	3,574
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5590%	4,813
Cost of funding earning assets	0.1473%	5,051
Net interest margin	3.4117%	3,716
Noninterest income to average assets	0.3966%	3,316
Noninterest expense to average assets	2.4023%	3,688
Loan and lease loss provision to assets	0.0663%	2,691
Net operating income to assets	0.9399%	3,059
Return on assets (ROA)	0.9399%	3,140
Pretax return on assets	1.1820%	2,903
Return on Equity (ROE)	7.8137%	3,242
Retained earnings to average equity (ytd only)	2.0085%	3,996
Net charge-offs to loans	0.1076%	1,653
Credit loss provision to net charge-offs	164.8352%	1,574
Earnings coverage of net charge-offs (x)	31.0549%	1,547
Efficiency ratio	65.8076%	2,801
Assets per employee ($millions)	5.7611%	1,825
Cash dividends to net income (ytd only)*	74.2951%	981
Condition Ratios (%)
Loss allowance to loans	0.9984%	3,527
Loan loss allowance to noncurrent loans	45.0112%	4,180
Noncurrent assets plus other real estate owned to assets	0.7998%	1,620
Noncurrent loans to loans	2.2181%	555
Net loans and leases to total assets	35.4402%	4,853
Net loans and leases to deposits	40.9424%	4,887
Net loans and leases to core deposits	41.6305%	4,911
Total domestic deposits to total assets	86.5611%	1,822
Equity capital to assets	12.0512%	2,109
Core capital (leverage) ratio	11.4118%	2,179
Tier 1 risk-based capital ratio	26.0874%	670
Total risk-based capital ratio	26.8693%	691
Memoranda:
Average total assets	$226,404,000	2,607
Average earning assets	$215,933,200	2,561
Average equity	$27,234,200	2,546
Average total loans	$84,537,200	3,515
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6306%	4,855
Cost of funding earning assets	0.1400%	5,135
Net interest margin	3.4906%	3,586
Noninterest income to average assets	0.3950%	3,350
Noninterest expense to average assets	2.2624%	4,044
Loan and lease loss provision to assets	0.0000%	3,836
Net operating income to assets	1.1497%	2,366
Return on assets (ROA)	1.1497%	2,455
Pretax return on assets	1.4589%	2,082
Return on Equity (ROE)	9.5621%	2,639
Retained earnings to average equity (ytd only)	9.5621%	878
Net charge-offs to loans	0.0873%	1,602
Credit loss provision to net charge-offs	0.0000%	3,032
Earnings coverage of net charge-offs (x)	44.3243%	1,279
Efficiency ratio	60.7961%	3,502
Assets per employee ($millions)	5.8660%	1,702
Cash dividends to net income (ytd only)*	0.0000%	3,563
Condition Ratios (%)
Loss allowance to loans	0.8320%	4,304
Loan loss allowance to noncurrent loans	38.9266%	4,368
Noncurrent assets plus other real estate owned to assets	0.7794%	1,763
Noncurrent loans to loans	2.1374%	616
Net loans and leases to total assets	35.8972%	4,943
Net loans and leases to deposits	41.8625%	4,959
Net loans and leases to core deposits	42.4874%	4,988
Total domestic deposits to total assets	85.7501%	2,101
Equity capital to assets	12.4801%	1,924
Core capital (leverage) ratio	12.4531%	1,598
Tier 1 risk-based capital ratio	29.8808%	487
Total risk-based capital ratio	30.6109%	496
Memoranda:
Average total assets	$226,834,250	2,628
Average earning assets	$216,155,000	2,581
Average equity	$27,273,500	2,556
Average total loans	$85,563,750	3,533
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6577%	4,872
Cost of funding earning assets	0.1356%	5,188
Net interest margin	3.5222%	3,523
Noninterest income to average assets	0.3952%	3,295
Noninterest expense to average assets	2.3158%	3,965
Loan and lease loss provision to assets	0.0000%	3,685
Net operating income to assets	1.1283%	2,411
Return on assets (ROA)	1.1283%	2,484
Pretax return on assets	1.4333%	2,091
Return on Equity (ROE)	9.5055%	2,629
Retained earnings to average equity (ytd only)	9.5055%	908
Net charge-offs to loans	0.1179%	1,249
Credit loss provision to net charge-offs	0.0000%	2,725
Earnings coverage of net charge-offs (x)	31.7843%	1,420
Efficiency ratio	61.7689%	3,471
Assets per employee ($millions)	5.8277%	1,669
Cash dividends to net income (ytd only)*	0.0000%	3,431
Condition Ratios (%)
Loss allowance to loans	0.8151%	4,391
Loan loss allowance to noncurrent loans	29.4068%	4,560
Noncurrent assets plus other real estate owned to assets	1.0445%	1,315
Noncurrent loans to loans	2.7717%	385
Net loans and leases to total assets	37.1575%	4,940
Net loans and leases to deposits	43.2203%	4,968
Net loans and leases to core deposits	43.8543%	4,998
Total domestic deposits to total assets	85.9724%	2,045
Equity capital to assets	12.2069%	2,049
Core capital (leverage) ratio	12.2619%	1,670
Tier 1 risk-based capital ratio	26.2028%	672
Total risk-based capital ratio	26.8636%	696
Memoranda:
Average total assets	$226,188,000	2,642
Average earning assets	$215,379,000	2,598
Average equity	$26,847,670	2,575
Average total loans	$86,481,000	3,544
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7166%	4,821
Cost of funding earning assets	0.1289%	5,245
Net interest margin	3.5876%	3,299
Noninterest income to average assets	0.4006%	3,179
Noninterest expense to average assets	2.2319%	4,180
Loan and lease loss provision to assets	0.0000%	3,406
Net operating income to assets	1.2374%	1,926
Return on assets (ROA)	1.2374%	1,974
Pretax return on assets	1.5724%	1,540
Return on Equity (ROE)	10.5760%	2,129
Retained earnings to average equity (ytd only)	10.5760%	910
Net charge-offs to loans	0.1698%	804
Credit loss provision to net charge-offs	0.0000%	2,210
Earnings coverage of net charge-offs (x)	23.9730%	1,462
Efficiency ratio	58.6673%	3,993
Assets per employee ($millions)	5.6352%	1,854
Cash dividends to net income (ytd only)*	0.0000%	2,768
Condition Ratios (%)
Loss allowance to loans	0.8087%	4,495
Loan loss allowance to noncurrent loans	38.6674%	4,481
Noncurrent assets plus other real estate owned to assets	0.8700%	1,627
Noncurrent loans to loans	2.0915%	703
Net loans and leases to total assets	39.5116%	4,906
Net loans and leases to deposits	46.0971%	4,927
Net loans and leases to core deposits	47.0673%	4,959
Total domestic deposits to total assets	85.7138%	2,402
Equity capital to assets	12.2414%	1,882
Core capital (leverage) ratio	12.1988%	1,664
Tier 1 risk-based capital ratio	24.7188%	780
Total risk-based capital ratio	25.3684%	815
Memoranda:
Average total assets	$225,641,500	2,673
Average earning assets	$214,068,500	2,633
Average equity	$26,399,500	2,611
Average total loans	$87,148,500	3,556
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2355%	5,124
Cost of funding earning assets	0.1210%	5,240
Net interest margin	3.1145%	4,628
Noninterest income to average assets	0.3802%	3,554
Noninterest expense to average assets	2.2478%	4,227
Loan and lease loss provision to assets	0.0009%	4,074
Net operating income to assets	0.8521%	3,599
Return on assets (ROA)	0.8521%	3,597
Pretax return on assets	1.0709%	3,370
Return on Equity (ROE)	7.6523%	3,593
Retained earnings to average equity (ytd only)	2.6647%	4,071
Net charge-offs to loans	0.1283%	1,469
Credit loss provision to net charge-offs	1.7857%	3,448
Earnings coverage of net charge-offs (x)	22.1250%	1,915
Efficiency ratio	67.7134%	2,596
Assets per employee ($millions)	5.9362%	1,567
Cash dividends to net income (ytd only)*	65.1777%	1,270
Condition Ratios (%)
Loss allowance to loans	0.8588%	4,336
Loan loss allowance to noncurrent loans	41.3200%	4,469
Noncurrent assets plus other real estate owned to assets	0.7848%	1,781
Noncurrent loans to loans	2.0783%	642
Net loans and leases to total assets	37.1510%	5,040
Net loans and leases to deposits	42.6583%	5,060
Net loans and leases to core deposits	43.4442%	5,086
Total domestic deposits to total assets	87.0897%	1,745
Equity capital to assets	11.1856%	2,528
Core capital (leverage) ratio	11.5002%	2,101
Tier 1 risk-based capital ratio	25.0511%	738
Total risk-based capital ratio	25.7622%	761
Memoranda:
Average total assets	$231,201,200	2,608
Average earning assets	$218,204,400	2,575
Average equity	$25,743,800	2,586
Average total loans	$87,314,800	3,529
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1620%	5,215
Cost of funding earning assets	0.1172%	5,312
Net interest margin	3.0447%	4,787
Noninterest income to average assets	0.3779%	3,614
Noninterest expense to average assets	2.2071%	4,308
Loan and lease loss provision to assets	0.0012%	3,933
Net operating income to assets	0.8371%	3,787
Return on assets (ROA)	0.8371%	3,794
Pretax return on assets	1.0459%	3,586
Return on Equity (ROE)	7.5260%	3,737
Retained earnings to average equity (ytd only)	6.7480%	2,265
Net charge-offs to loans	0.1494%	1,102
Credit loss provision to net charge-offs	2.0408%	3,081
Earnings coverage of net charge-offs (x)	18.5209%	2,049
Efficiency ratio	67.8249%	2,568
Assets per employee ($millions)	5.6224%	1,808
Cash dividends to net income (ytd only)*	10.3379%	3,365
Condition Ratios (%)
Loss allowance to loans	0.8503%	4,459
Loan loss allowance to noncurrent loans	43.3962%	4,525
Noncurrent assets plus other real estate owned to assets	0.7955%	1,860
Noncurrent loans to loans	1.9593%	766
Net loans and leases to total assets	39.3548%	5,043
Net loans and leases to deposits	45.7663%	5,061
Net loans and leases to core deposits	46.6290%	5,091
Total domestic deposits to total assets	85.9908%	2,195
Equity capital to assets	11.6472%	2,147
Core capital (leverage) ratio	11.9897%	1,791
Tier 1 risk-based capital ratio	24.9376%	762
Total risk-based capital ratio	25.6423%	785
Memoranda:
Average total assets	$231,123,500	2,614
Average earning assets	$218,340,500	2,589
Average equity	$25,705,750	2,600
Average total loans	$87,455,000	3,556
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0502%	5,313
Cost of funding earning assets	0.1146%	5,362
Net interest margin	2.9356%	4,967
Noninterest income to average assets	0.3731%	3,661
Noninterest expense to average assets	2.2204%	4,321
Loan and lease loss provision to assets	0.0017%	3,765
Net operating income to assets	0.7410%	4,065
Return on assets (ROA)	0.7410%	4,066
Pretax return on assets	0.9202%	3,907
Return on Equity (ROE)	6.7651%	3,970
Retained earnings to average equity (ytd only)	5.5906%	2,773
Net charge-offs to loans	0.1957%	802
Credit loss provision to net charge-offs	2.3529%	2,755
Earnings coverage of net charge-offs (x)	12.6471%	2,192
Efficiency ratio	70.6605%	2,221
Assets per employee ($millions)	5.6610%	1,747
Cash dividends to net income (ytd only)*	17.3611%	3,085
Condition Ratios (%)
Loss allowance to loans	0.8894%	4,388
Loan loss allowance to noncurrent loans	40.9984%	4,578
Noncurrent assets plus other real estate owned to assets	0.8492%	1,756
Noncurrent loans to loans	2.1693%	652
Net loans and leases to total assets	37.9924%	5,123
Net loans and leases to deposits	43.9363%	5,146
Net loans and leases to core deposits	44.7574%	5,181
Total domestic deposits to total assets	86.4715%	2,069
Equity capital to assets	11.3690%	2,296
Core capital (leverage) ratio	11.5537%	2,030
Tier 1 risk-based capital ratio	24.4477%	797
Total risk-based capital ratio	25.1661%	811
Memoranda:
Average total assets	$233,199,670	2,610
Average earning assets	$219,987,000	2,586
Average equity	$25,543,000	2,627
Average total loans	$86,851,330	3,587
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0068%	5,367
Cost of funding earning assets	0.1114%	5,425
Net interest margin	2.8954%	5,036
Noninterest income to average assets	0.3737%	3,640
Noninterest expense to average assets	2.1405%	4,554
Loan and lease loss provision to assets	0.0034%	3,470
Net operating income to assets	0.7693%	3,833
Return on assets (ROA)	0.7693%	3,834
Pretax return on assets	0.9553%	3,684
Return on Equity (ROE)	7.1534%	3,725
Retained earnings to average equity (ytd only)	7.1534%	2,213
Net charge-offs to loans	0.1243%	1,046
Credit loss provision to net charge-offs	7.4074%	2,179
Earnings coverage of net charge-offs (x)	21.0000%	1,444
Efficiency ratio	69.0671%	2,655
Assets per employee ($millions)	5.8982%	1,603
Cash dividends to net income (ytd only)*	0.0000%	2,749
Condition Ratios (%)
Loss allowance to loans	0.9610%	4,169
Loan loss allowance to noncurrent loans	36.4035%	4,708
Noncurrent assets plus other real estate owned to assets	1.0086%	1,559
Noncurrent loans to loans	2.6398%	489
Net loans and leases to total assets	37.1863%	5,168
Net loans and leases to deposits	43.2835%	5,178
Net loans and leases to core deposits	44.0830%	5,210
Total domestic deposits to total assets	85.9135%	2,582
Equity capital to assets	11.0908%	2,495
Core capital (leverage) ratio	11.3825%	2,099
Tier 1 risk-based capital ratio	24.6833%	772
Total risk-based capital ratio	25.4709%	799
Memoranda:
Average total assets	$236,579,500	2,616
Average earning assets	$222,696,500	2,589
Average equity	$25,442,500	2,658
Average total loans	$86,876,000	3,611
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.7803%	5,466
Cost of funding earning assets	0.1180%	5,424
Net interest margin	2.6623%	5,305
Noninterest income to average assets	0.5536%	2,697
Noninterest expense to average assets	2.1436%	4,668
Loan and lease loss provision to assets	0.0026%	4,194
Net operating income to assets	0.6636%	3,759
Return on assets (ROA)	0.6636%	3,798
Pretax return on assets	0.9173%	3,856
Return on Equity (ROE)	5.9974%	3,766
Retained earnings to average equity (ytd only)	0.3055%	4,905
Net charge-offs to loans	0.0776%	2,339
Credit loss provision to net charge-offs	9.0909%	3,670
Earnings coverage of net charge-offs (x)	32.5758%	1,460
Efficiency ratio	69.9721%	2,552
Assets per employee ($millions)	6.0783%	1,467
Cash dividends to net income (ytd only)*	94.9065%	455
Condition Ratios (%)
Loss allowance to loans	0.9785%	4,058
Loan loss allowance to noncurrent loans	52.5184%	4,430
Noncurrent assets plus other real estate owned to assets	0.6860%	2,259
Noncurrent loans to loans	1.8631%	849
Net loans and leases to total assets	35.5890%	5,302
Net loans and leases to deposits	40.6806%	5,325
Net loans and leases to core deposits	41.3774%	5,352
Total domestic deposits to total assets	87.4841%	1,771
Equity capital to assets	10.4359%	3,228
Core capital (leverage) ratio	11.0373%	2,305
Tier 1 risk-based capital ratio	24.7883%	741
Total risk-based capital ratio	25.6176%	765
Memoranda:
Average total assets	$233,723,800	2,615
Average earning assets	$220,335,400	2,579
Average equity	$25,861,400	2,616
Average total loans	$85,033,200	3,634
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.7585%	5,535
Cost of funding earning assets	0.1188%	5,485
Net interest margin	2.6397%	5,378
Noninterest income to average assets	0.6097%	2,426
Noninterest expense to average assets	2.1103%	4,713
Loan and lease loss provision to assets	0.0029%	4,053
Net operating income to assets	0.7722%	3,636
Return on assets (ROA)	0.7722%	3,687
Pretax return on assets	0.9929%	3,712
Return on Equity (ROE)	6.8760%	3,732
Retained earnings to average equity (ytd only)	4.8234%	3,007
Net charge-offs to loans	0.1010%	1,772
Credit loss provision to net charge-offs	7.8125%	3,238
Earnings coverage of net charge-offs (x)	27.0004%	1,655
Efficiency ratio	67.9406%	2,884
Assets per employee ($millions)	5.6534%	1,777
Cash dividends to net income (ytd only)*	29.8508%	2,756
Condition Ratios (%)
Loss allowance to loans	0.9855%	4,147
Loan loss allowance to noncurrent loans	55.6929%	4,432
Noncurrent assets plus other real estate owned to assets	0.6881%	2,443
Noncurrent loans to loans	1.7696%	1,017
Net loans and leases to total assets	37.1037%	5,303
Net loans and leases to deposits	44.1203%	5,312
Net loans and leases to core deposits	44.9355%	5,343
Total domestic deposits to total assets	84.0967%	3,087
Equity capital to assets	11.4247%	2,442
Core capital (leverage) ratio	11.5830%	1,961
Tier 1 risk-based capital ratio	24.9905%	753
Total risk-based capital ratio	25.8003%	780
Memoranda:
Average total assets	$231,372,000	2,651
Average earning assets	$218,808,500	2,611
Average equity	$25,983,500	2,630
Average total loans	$84,445,750	3,675
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.6703%	5,604
Cost of funding earning assets	0.1183%	5,521
Net interest margin	2.5520%	5,470
Noninterest income to average assets	0.7032%	1,976
Noninterest expense to average assets	2.1493%	4,671
Loan and lease loss provision to assets	0.0026%	3,846
Net operating income to assets	0.7776%	3,503
Return on assets (ROA)	0.7776%	3,555
Pretax return on assets	0.9592%	3,728
Return on Equity (ROE)	6.9642%	3,572
Retained earnings to average equity (ytd only)	5.0276%	2,691
Net charge-offs to loans	0.0980%	1,639
Credit loss provision to net charge-offs	7.3171%	2,869
Earnings coverage of net charge-offs (x)	27.1220%	1,549
Efficiency ratio	69.0853%	2,833
Assets per employee ($millions)	5.6289%	1,760
Cash dividends to net income (ytd only)*	27.8087%	2,845
Condition Ratios (%)
Loss allowance to loans	1.0535%	3,833
Loan loss allowance to noncurrent loans	54.1024%	4,494
Noncurrent assets plus other real estate owned to assets	0.7275%	2,387
Noncurrent loans to loans	1.9472%	881
Net loans and leases to total assets	35.6919%	5,389
Net loans and leases to deposits	42.2360%	5,392
Net loans and leases to core deposits	43.1057%	5,416
Total domestic deposits to total assets	84.5060%	3,006
Equity capital to assets	11.3581%	2,450
Core capital (leverage) ratio	11.4040%	2,045
Tier 1 risk-based capital ratio	25.3532%	719
Total risk-based capital ratio	26.2042%	739
Memoranda:
Average total assets	$231,233,330	2,667
Average earning assets	$218,180,670	2,625
Average equity	$25,817,670	2,644
Average total loans	$83,641,670	3,702
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.6387%	5,670
Cost of funding earning assets	0.1138%	5,598
Net interest margin	2.5249%	5,527
Noninterest income to average assets	1.0058%	995
Noninterest expense to average assets	2.1084%	4,832
Loan and lease loss provision to assets	0.0035%	3,513
Net operating income to assets	1.0732%	1,965
Return on assets (ROA)	1.0732%	2,014
Pretax return on assets	1.2702%	2,346
Return on Equity (ROE)	9.6956%	2,104
Retained earnings to average equity (ytd only)	9.6956%	885
Net charge-offs to loans	0.1002%	1,372
Credit loss provision to net charge-offs	9.5238%	2,228
Earnings coverage of net charge-offs (x)	35.0952%	1,128
Efficiency ratio	62.3403%	4,101
Assets per employee ($millions)	5.8274%	1,623
Cash dividends to net income (ytd only)*	0.0000%	2,824
Condition Ratios (%)
Loss allowance to loans	1.0726%	3,869
Loan loss allowance to noncurrent loans	67.5207%	4,255
Noncurrent assets plus other real estate owned to assets	0.5942%	2,867
Noncurrent loans to loans	1.5885%	1,230
Net loans and leases to total assets	35.4535%	5,426
Net loans and leases to deposits	42.1058%	5,414
Net loans and leases to core deposits	42.9663%	5,442
Total domestic deposits to total assets	84.2010%	3,395
Equity capital to assets	11.1580%	2,470
Core capital (leverage) ratio	11.8077%	1,749
Tier 1 risk-based capital ratio	25.3251%	749
Total risk-based capital ratio	26.1944%	763
Memoranda:
Average total assets	$231,457,000	2,697
Average earning assets	$217,833,000	2,661
Average equity	$25,620,000	2,675
Average total loans	$83,838,000	3,722
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.6852%	5,695
Cost of funding earning assets	0.1248%	5,588
Net interest margin	2.5604%	5,548
Noninterest income to average assets	0.4363%	3,644
Noninterest expense to average assets	2.2404%	4,675
Loan and lease loss provision to assets	-0.0661%	5,623
Net operating income to assets	0.5021%	4,624
Return on assets (ROA)	0.5093%	4,670
Pretax return on assets	0.6823%	4,550
Return on Equity (ROE)	4.2824%	4,741
Retained earnings to average equity (ytd only)	0.4398%	5,149
Net charge-offs to loans	0.0550%	2,941
Credit loss provision to net charge-offs	-306.3830%	5,085
Earnings coverage of net charge-offs (x)	28.1277%	1,485
Efficiency ratio	78.6946%	1,590
Assets per employee ($millions)	5.6053%	1,777
Cash dividends to net income (ytd only)*	89.7297%	600
Condition Ratios (%)
Loss allowance to loans	1.0875%	3,779
Loan loss allowance to noncurrent loans	105.7803%	3,505
Noncurrent assets plus other real estate owned to assets	0.4316%	3,540
Noncurrent loans to loans	1.0281%	2,027
Net loans and leases to total assets	36.2132%	5,476
Net loans and leases to deposits	42.3073%	5,483
Net loans and leases to core deposits	43.3759%	5,508
Total domestic deposits to total assets	85.5955%	2,783
Equity capital to assets	10.9787%	2,647
Core capital (leverage) ratio	10.9873%	2,351
Tier 1 risk-based capital ratio	25.0487%	770
Total risk-based capital ratio	25.9482%	782
Memoranda:
Average total assets	$217,950,200	2,780
Average earning assets	$205,201,200	2,737
Average equity	$25,920,200	2,642
Average total loans	$85,437,800	3,673
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.6958%	5,762
Cost of funding earning assets	0.1222%	5,665
Net interest margin	2.5737%	5,606
Noninterest income to average assets	0.4403%	3,629
Noninterest expense to average assets	2.2872%	4,566
Loan and lease loss provision to assets	-0.0905%	5,776
Net operating income to assets	0.4971%	4,708
Return on assets (ROA)	0.5067%	4,773
Pretax return on assets	0.6866%	4,646
Return on Equity (ROE)	4.1748%	4,839
Retained earnings to average equity (ytd only)	3.6638%	3,698
Net charge-offs to loans	0.0404%	2,829
Credit loss provision to net charge-offs	-561.5385%	5,099
Earnings coverage of net charge-offs (x)	36.1494%	1,314
Efficiency ratio	79.6889%	1,473
Assets per employee ($millions)	5.6941%	1,670
Cash dividends to net income (ytd only)*	12.2399%	3,489
Condition Ratios (%)
Loss allowance to loans	1.0938%	3,863
Loan loss allowance to noncurrent loans	104.7085%	3,521
Noncurrent assets plus other real estate owned to assets	0.4278%	3,711
Noncurrent loans to loans	1.0447%	2,149
Net loans and leases to total assets	38.0299%	5,465
Net loans and leases to deposits	45.4207%	5,473
Net loans and leases to core deposits	46.8177%	5,482
Total domestic deposits to total assets	83.7281%	3,307
Equity capital to assets	11.8940%	2,188
Core capital (leverage) ratio	12.1326%	1,583
Tier 1 risk-based capital ratio	25.8481%	729
Total risk-based capital ratio	26.7737%	742
Memoranda:
Average total assets	$214,983,500	2,814
Average earning assets	$202,973,500	2,768
Average equity	$26,092,500	2,653
Average total loans	$85,762,500	3,689
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.7195%	5,833
Cost of funding earning assets	0.1227%	5,742
Net interest margin	2.5968%	5,667
Noninterest income to average assets	0.4553%	3,487
Noninterest expense to average assets	2.3751%	4,415
Loan and lease loss provision to assets	-0.1383%	5,900
Net operating income to assets	0.4957%	4,696
Return on assets (ROA)	0.4957%	4,797
Pretax return on assets	0.6669%	4,724
Return on Equity (ROE)	4.0561%	4,890
Retained earnings to average equity (ytd only)	3.2864%	3,806
Net charge-offs to loans	0.0652%	2,263
Credit loss provision to net charge-offs	-525.0000%	4,947
Earnings coverage of net charge-offs (x)	20.0714%	1,742
Efficiency ratio	81.7946%	1,292
Assets per employee ($millions)	5.1739%	2,111
Cash dividends to net income (ytd only)*	18.9753%	3,231
Condition Ratios (%)
Loss allowance to loans	1.1074%	3,909
Loan loss allowance to noncurrent loans	86.4438%	3,983
Noncurrent assets plus other real estate owned to assets	0.5200%	3,477
Noncurrent loans to loans	1.2810%	1,775
Net loans and leases to total assets	39.1937%	5,461
Net loans and leases to deposits	46.6498%	5,474
Net loans and leases to core deposits	48.2545%	5,491
Total domestic deposits to total assets	84.0170%	3,261
Equity capital to assets	12.3754%	1,848
Core capital (leverage) ratio	12.0763%	1,574
Tier 1 risk-based capital ratio	27.2830%	629
Total risk-based capital ratio	28.2678%	631
Memoranda:
Average total assets	$212,621,330	2,861
Average earning assets	$200,480,670	2,807
Average equity	$25,985,670	2,668
Average total loans	$85,887,670	3,695
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.7536%	5,877
Cost of funding earning assets	0.1195%	5,815
Net interest margin	2.6341%	5,686
Noninterest income to average assets	0.4660%	3,362
Noninterest expense to average assets	2.3282%	4,579
Loan and lease loss provision to assets	0.0038%	3,621
Net operating income to assets	0.4623%	4,775
Return on assets (ROA)	0.4623%	4,858
Pretax return on assets	0.6201%	4,758
Return on Equity (ROE)	3.8062%	4,955
Retained earnings to average equity (ytd only)	3.8062%	3,592
Net charge-offs to loans	0.1198%	1,394
Credit loss provision to net charge-offs	7.6923%	2,374
Earnings coverage of net charge-offs (x)	12.7692%	1,772
Efficiency ratio	78.8670%	1,770
Assets per employee ($millions)	5.3171%	2,018
Cash dividends to net income (ytd only)*	0.0000%	2,863
Condition Ratios (%)
Loss allowance to loans	1.3247%	2,778
Loan loss allowance to noncurrent loans	114.9590%	3,323
Noncurrent assets plus other real estate owned to assets	0.4596%	3,750
Noncurrent loans to loans	1.1523%	2,099
Net loans and leases to total assets	38.3379%	5,542
Net loans and leases to deposits	45.6538%	5,525
Net loans and leases to core deposits	47.1811%	5,546
Total domestic deposits to total assets	83.9753%	3,531
Equity capital to assets	11.9279%	2,073
Core capital (leverage) ratio	12.3663%	1,399
Tier 1 risk-based capital ratio	27.0489%	668
Total risk-based capital ratio	28.2339%	659
Memoranda:
Average total assets	$212,866,500	2,856
Average earning assets	$200,900,000	2,813
Average equity	$25,852,500	2,676
Average total loans	$86,795,000	3,689
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9083%	5,804
Cost of funding earning assets	0.1278%	5,834
Net interest margin	2.7805%	5,552
Noninterest income to average assets	0.6110%	2,667
Noninterest expense to average assets	2.4555%	4,373
Loan and lease loss provision to assets	0.0015%	4,359
Net operating income to assets	0.5956%	4,290
Return on assets (ROA)	0.6324%	4,215
Pretax return on assets	0.8241%	4,115
Return on Equity (ROE)	4.8556%	4,577
Retained earnings to average equity (ytd only)	0.4435%	5,338
Net charge-offs to loans	0.0892%	2,543
Credit loss provision to net charge-offs	3.8462%	3,873
Earnings coverage of net charge-offs (x)	20.0256%	1,906
Efficiency ratio	75.9433%	2,279
Assets per employee ($millions)	5.0666%	2,285
Cash dividends to net income (ytd only)*	90.8661%	589
Condition Ratios (%)
Loss allowance to loans	1.2892%	2,967
Loan loss allowance to noncurrent loans	147.4903%	2,847
Noncurrent assets plus other real estate owned to assets	0.3740%	4,100
Noncurrent loans to loans	0.8741%	2,604
Net loans and leases to total assets	42.2395%	5,394
Net loans and leases to deposits	50.0322%	5,391
Net loans and leases to core deposits	51.6971%	5,426
Total domestic deposits to total assets	84.4246%	3,322
Equity capital to assets	12.3727%	1,686
Core capital (leverage) ratio	12.1478%	1,531
Tier 1 risk-based capital ratio	25.9765%	743
Total risk-based capital ratio	27.1501%	727
Memoranda:
Average total assets	$200,818,200	2,942
Average earning assets	$189,387,600	2,898
Average equity	$26,155,200	2,614
Average total loans	$87,452,400	3,642
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9285%	5,870
Cost of funding earning assets	0.1269%	5,937
Net interest margin	2.8016%	5,574
Noninterest income to average assets	0.6496%	2,487
Noninterest expense to average assets	2.4069%	4,493
Loan and lease loss provision to assets	0.0013%	4,216
Net operating income to assets	0.7187%	3,827
Return on assets (ROA)	0.7675%	3,690
Pretax return on assets	0.9476%	3,823
Return on Equity (ROE)	5.8167%	4,239
Retained earnings to average equity (ytd only)	5.3091%	2,717
Net charge-offs to loans	0.0628%	2,692
Credit loss provision to net charge-offs	4.8780%	3,487
Earnings coverage of net charge-offs (x)	32.3631%	1,421
Efficiency ratio	73.0339%	2,710
Assets per employee ($millions)	5.1786%	2,091
Cash dividends to net income (ytd only)*	8.7260%	3,617
Condition Ratios (%)
Loss allowance to loans	1.3449%	2,884
Loan loss allowance to noncurrent loans	162.8099%	2,652
Noncurrent assets plus other real estate owned to assets	0.3794%	4,245
Noncurrent loans to loans	0.8260%	2,905
Net loans and leases to total assets	41.8581%	5,499
Net loans and leases to deposits	50.6200%	5,442
Net loans and leases to core deposits	52.3587%	5,488
Total domestic deposits to total assets	82.6909%	3,922
Equity capital to assets	12.8895%	1,515
Core capital (leverage) ratio	12.9527%	1,219
Tier 1 risk-based capital ratio	26.8081%	705
Total risk-based capital ratio	28.0132%	686
Memoranda:
Average total assets	$199,089,750	2,977
Average earning assets	$188,033,000	2,935
Average equity	$26,268,500	2,628
Average total loans	$87,092,750	3,696
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9896%	5,867
Cost of funding earning assets	0.1262%	6,008
Net interest margin	2.8634%	5,507
Noninterest income to average assets	0.7658%	1,926
Noninterest expense to average assets	2.3889%	4,581
Loan and lease loss provision to assets	0.0020%	4,042
Net operating income to assets	0.8769%	3,003
Return on assets (ROA)	0.9511%	2,745
Pretax return on assets	1.1690%	2,901
Return on Equity (ROE)	7.1503%	3,527
Retained earnings to average equity (ytd only)	6.7675%	1,804
Net charge-offs to loans	-0.0530%	5,566
Credit loss provision to net charge-offs	-8.6957%	4,687
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	68.8784%	3,514
Assets per employee ($millions)	4.9818%	2,298
Cash dividends to net income (ytd only)*	5.3533%	3,550
Condition Ratios (%)
Loss allowance to loans	1.4615%	2,452
Loan loss allowance to noncurrent loans	217.4520%	2,106
Noncurrent assets plus other real estate owned to assets	0.3101%	4,641
Noncurrent loans to loans	0.6721%	3,464
Net loans and leases to total assets	42.1587%	5,494
Net loans and leases to deposits	50.8418%	5,456
Net loans and leases to core deposits	52.8484%	5,490
Total domestic deposits to total assets	82.9212%	3,982
Equity capital to assets	13.2749%	1,265
Core capital (leverage) ratio	13.0567%	1,145
Tier 1 risk-based capital ratio	28.0481%	633
Total risk-based capital ratio	29.2996%	632
Memoranda:
Average total assets	$196,404,670	3,030
Average earning assets	$185,373,000	2,988
Average equity	$26,124,670	2,646
Average total loans	$86,827,330	3,718
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0117%	5,883
Cost of funding earning assets	0.1196%	6,118
Net interest margin	2.8921%	5,472
Noninterest income to average assets	1.0689%	984
Noninterest expense to average assets	2.3655%	4,701
Loan and lease loss provision to assets	0.0021%	3,686
Net operating income to assets	1.1844%	1,591
Return on assets (ROA)	1.3376%	1,235
Pretax return on assets	1.6146%	1,238
Return on Equity (ROE)	10.0460%	1,984
Retained earnings to average equity (ytd only)	10.0460%	914
Net charge-offs to loans	-0.1096%	5,886
Credit loss provision to net charge-offs	-4.1667%	4,291
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	62.2907%	4,754
Assets per employee ($millions)	4.8245%	2,587
Cash dividends to net income (ytd only)*	0.0000%	2,870
Condition Ratios (%)
Loss allowance to loans	1.4322%	2,772
Loan loss allowance to noncurrent loans	137.5276%	2,970
Noncurrent assets plus other real estate owned to assets	0.4995%	4,025
Noncurrent loans to loans	1.0414%	2,680
Net loans and leases to total assets	43.3517%	5,398
Net loans and leases to deposits	52.0732%	5,329
Net loans and leases to core deposits	53.6004%	5,389
Total domestic deposits to total assets	83.2515%	4,095
Equity capital to assets	13.3143%	1,254
Core capital (leverage) ratio	13.4430%	991
Tier 1 risk-based capital ratio	27.5780%	673
Total risk-based capital ratio	28.8291%	657
Memoranda:
Average total assets	$194,971,500	3,059
Average earning assets	$183,949,500	3,012
Average equity	$25,960,500	2,676
Average total loans	$87,613,000	3,711
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2628%	5,755
Cost of funding earning assets	0.1311%	6,193
Net interest margin	3.1318%	5,124
Noninterest income to average assets	0.5706%	3,046
Noninterest expense to average assets	2.5344%	4,436
Loan and lease loss provision to assets	0.0770%	2,939
Net operating income to assets	0.7085%	3,845
Return on assets (ROA)	0.6979%	4,020
Pretax return on assets	0.8263%	4,161
Return on Equity (ROE)	5.2418%	4,534
Retained earnings to average equity (ytd only)	0.9720%	5,341
Net charge-offs to loans	0.0674%	3,515
Credit loss provision to net charge-offs	249.1525%	1,024
Earnings coverage of net charge-offs (x)	29.6271%	1,351
Efficiency ratio	73.4548%	2,938
Assets per employee ($millions)	4.6863%	2,747
Cash dividends to net income (ytd only)*	81.4565%	853
Condition Ratios (%)
Loss allowance to loans	1.3839%	3,022
Loan loss allowance to noncurrent loans	141.1561%	2,940
Noncurrent assets plus other real estate owned to assets	0.5069%	4,112
Noncurrent loans to loans	0.9804%	2,875
Net loans and leases to total assets	45.2836%	5,386
Net loans and leases to deposits	53.5958%	5,362
Net loans and leases to core deposits	55.1444%	5,437
Total domestic deposits to total assets	84.4910%	3,514
Equity capital to assets	13.3158%	1,222
Core capital (leverage) ratio	12.6835%	1,265
Tier 1 risk-based capital ratio	27.2306%	666
Total risk-based capital ratio	28.4816%	645
Memoranda:
Average total assets	$190,852,600	3,093
Average earning assets	$175,492,000	3,095
Average equity	$25,411,000	2,624
Average total loans	$87,484,600	3,686
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3061%	5,759
Cost of funding earning assets	0.1292%	6,290
Net interest margin	3.1769%	5,039
Noninterest income to average assets	0.6102%	2,805
Noninterest expense to average assets	2.4954%	4,543
Loan and lease loss provision to assets	0.0924%	2,509
Net operating income to assets	0.7802%	3,511
Return on assets (ROA)	0.7691%	3,677
Pretax return on assets	0.9174%	3,914
Return on Equity (ROE)	5.7763%	4,349
Retained earnings to average equity (ytd only)	4.7251%	3,264
Net charge-offs to loans	0.0764%	3,107
Credit loss provision to net charge-offs	264.0000%	1,007
Earnings coverage of net charge-offs (x)	29.2377%	1,393
Efficiency ratio	70.9228%	3,354
Assets per employee ($millions)	4.8152%	2,498
Cash dividends to net income (ytd only)*	18.1983%	3,275
Condition Ratios (%)
Loss allowance to loans	1.3840%	3,252
Loan loss allowance to noncurrent loans	112.6043%	3,385
Noncurrent assets plus other real estate owned to assets	0.6007%	4,047
Noncurrent loans to loans	1.2291%	2,590
Net loans and leases to total assets	44.9477%	5,457
Net loans and leases to deposits	53.6754%	5,416
Net loans and leases to core deposits	55.2427%	5,491
Total domestic deposits to total assets	83.7399%	3,859
Equity capital to assets	13.5754%	1,148
Core capital (leverage) ratio	13.5529%	978
Tier 1 risk-based capital ratio	28.1522%	636
Total risk-based capital ratio	29.4032%	617
Memoranda:
Average total assets	$190,530,750	3,126
Average earning assets	$174,421,750	3,130
Average equity	$25,367,500	2,635
Average total loans	$87,298,500	3,723
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3526%	5,711
Cost of funding earning assets	0.1315%	6,355
Net interest margin	3.2211%	4,868
Noninterest income to average assets	0.6300%	2,653
Noninterest expense to average assets	2.4442%	4,757
Loan and lease loss provision to assets	0.0906%	2,514
Net operating income to assets	0.8605%	3,011
Return on assets (ROA)	0.8439%	3,207
Pretax return on assets	1.0177%	3,410
Return on Equity (ROE)	6.3805%	3,950
Retained earnings to average equity (ytd only)	5.1857%	2,840
Net charge-offs to loans	0.0849%	2,840
Credit loss provision to net charge-offs	232.4324%	1,045
Earnings coverage of net charge-offs (x)	28.9459%	1,288
Efficiency ratio	68.4164%	3,934
Assets per employee ($millions)	4.4709%	2,965
Cash dividends to net income (ytd only)*	18.7266%	3,219
Condition Ratios (%)
Loss allowance to loans	1.3689%	3,491
Loan loss allowance to noncurrent loans	153.9063%	2,661
Noncurrent assets plus other real estate owned to assets	0.4644%	4,601
Noncurrent loans to loans	0.8894%	3,478
Net loans and leases to total assets	45.3546%	5,428
Net loans and leases to deposits	54.6202%	5,312
Net loans and leases to core deposits	56.1755%	5,399
Total domestic deposits to total assets	83.0364%	4,291
Equity capital to assets	13.7418%	1,067
Core capital (leverage) ratio	13.3278%	1,040
Tier 1 risk-based capital ratio	28.7223%	602
Total risk-based capital ratio	29.9729%	586
Memoranda:
Average total assets	$189,839,000	3,153
Average earning assets	$173,418,330	3,156
Average equity	$25,107,670	2,650
Average total loans	$87,135,670	3,739
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3414%	5,765
Cost of funding earning assets	0.1317%	6,437
Net interest margin	3.2097%	4,893
Noninterest income to average assets	0.5868%	2,811
Noninterest expense to average assets	2.5274%	4,529
Loan and lease loss provision to assets	0.0775%	2,591
Net operating income to assets	0.7523%	3,407
Return on assets (ROA)	0.7523%	3,490
Pretax return on assets	0.8928%	3,725
Return on Equity (ROE)	5.7998%	4,130
Retained earnings to average equity (ytd only)	4.9920%	3,113
Net charge-offs to loans	0.0137%	3,327
Credit loss provision to net charge-offs	1,233.3333%	262
Earnings coverage of net charge-offs (x)	154.3333%	317
Efficiency ratio	72.2588%	3,440
Assets per employee ($millions)	4.6016%	2,814
Cash dividends to net income (ytd only)*	13.9276%	2,625
Condition Ratios (%)
Loss allowance to loans	1.3466%	3,868
Loan loss allowance to noncurrent loans	101.7437%	3,569
Noncurrent assets plus other real estate owned to assets	0.6473%	4,196
Noncurrent loans to loans	1.3236%	2,819
Net loans and leases to total assets	44.2355%	5,487
Net loans and leases to deposits	53.1250%	5,365
Net loans and leases to core deposits	54.7839%	5,450
Total domestic deposits to total assets	83.2668%	4,510
Equity capital to assets	12.9861%	1,311
Core capital (leverage) ratio	13.5729%	953
Tier 1 risk-based capital ratio	27.4881%	681
Total risk-based capital ratio	28.7381%	667
Memoranda:
Average total assets	$190,869,500	3,154
Average earning assets	$173,099,500	3,179
Average equity	$24,759,500	2,668
Average total loans	$87,529,500	3,760
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3984%	5,840
Cost of funding earning assets	0.1456%	6,555
Net interest margin	3.2528%	4,827
Noninterest income to average assets	0.4727%	3,939
Noninterest expense to average assets	2.4322%	4,982
Loan and lease loss provision to assets	0.0370%	4,379
Net operating income to assets	0.7608%	3,492
Return on assets (ROA)	0.7608%	3,588
Pretax return on assets	0.9676%	3,492
Return on Equity (ROE)	5.8220%	4,195
Retained earnings to average equity (ytd only)	2.3062%	4,608
Net charge-offs to loans	0.2193%	2,710
Credit loss provision to net charge-offs	37.0370%	4,097
Earnings coverage of net charge-offs (x)	10.0529%	2,428
Efficiency ratio	70.7692%	3,708
Assets per employee ($millions)	4.7118%	2,571
Cash dividends to net income (ytd only)*	60.3892%	1,743
Condition Ratios (%)
Loss allowance to loans	1.2817%	4,229
Loan loss allowance to noncurrent loans	93.6364%	3,783
Noncurrent assets plus other real estate owned to assets	0.7105%	4,117
Noncurrent loans to loans	1.3688%	2,849
Net loans and leases to total assets	46.3021%	5,461
Net loans and leases to deposits	54.4990%	5,428
Net loans and leases to core deposits	56.4653%	5,497
Total domestic deposits to total assets	84.9595%	3,770
Equity capital to assets	12.9574%	1,292
Core capital (leverage) ratio	13.2052%	1,050
Tier 1 risk-based capital ratio	26.6608%	718
Total risk-based capital ratio	27.8690%	700
Memoranda:
Average total assets	$189,132,400	3,173
Average earning assets	$172,344,600	3,185
Average equity	$24,716,400	2,650
Average total loans	$86,164,000	3,775
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3753%	5,934
Cost of funding earning assets	0.1476%	6,647
Net interest margin	3.2277%	4,910
Noninterest income to average assets	0.4747%	3,974
Noninterest expense to average assets	2.4821%	4,783
Loan and lease loss provision to assets	0.0444%	4,130
Net operating income to assets	0.7170%	3,770
Return on assets (ROA)	0.7170%	3,901
Pretax return on assets	0.8903%	3,926
Return on Equity (ROE)	5.4751%	4,477
Retained earnings to average equity (ytd only)	4.9373%	3,128
Net charge-offs to loans	0.1199%	3,353
Credit loss provision to net charge-offs	81.8182%	2,796
Earnings coverage of net charge-offs (x)	17.2345%	1,743
Efficiency ratio	72.6448%	3,294
Assets per employee ($millions)	4.6576%	2,634
Cash dividends to net income (ytd only)*	9.8232%	3,484
Condition Ratios (%)
Loss allowance to loans	1.4464%	3,699
Loan loss allowance to noncurrent loans	85.4972%	3,890
Noncurrent assets plus other real estate owned to assets	0.8840%	3,913
Noncurrent loans to loans	1.6917%	2,658
Net loans and leases to total assets	45.2779%	5,604
Net loans and leases to deposits	54.3543%	5,502
Net loans and leases to core deposits	57.3006%	5,510
Total domestic deposits to total assets	83.3014%	4,463
Equity capital to assets	13.3669%	1,176
Core capital (leverage) ratio	13.5394%	1,009
Tier 1 risk-based capital ratio	28.1352%	623
Total risk-based capital ratio	29.3872%	610
Memoranda:
Average total assets	$189,297,750	3,195
Average earning assets	$172,542,500	3,212
Average equity	$24,790,250	2,669
Average total loans	$85,605,250	3,822
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3301%	6,036
Cost of funding earning assets	0.1475%	6,721
Net interest margin	3.1826%	5,001
Noninterest income to average assets	0.4698%	4,026
Noninterest expense to average assets	2.4814%	4,799
Loan and lease loss provision to assets	0.0578%	3,850
Net operating income to assets	0.6758%	3,927
Return on assets (ROA)	0.6758%	4,088
Pretax return on assets	0.8324%	4,186
Return on Equity (ROE)	5.1954%	4,620
Retained earnings to average equity (ytd only)	4.3874%	3,477
Net charge-offs to loans	0.1378%	3,000
Credit loss provision to net charge-offs	93.2203%	2,369
Earnings coverage of net charge-offs (x)	14.3559%	1,829
Efficiency ratio	73.5973%	3,206
Assets per employee ($millions)	4.6891%	2,530
Cash dividends to net income (ytd only)*	15.5521%	3,157
Condition Ratios (%)
Loss allowance to loans	1.4958%	3,610
Loan loss allowance to noncurrent loans	83.3111%	3,934
Noncurrent assets plus other real estate owned to assets	0.8909%	4,010
Noncurrent loans to loans	1.7955%	2,647
Net loans and leases to total assets	43.8157%	5,753
Net loans and leases to deposits	51.6361%	5,716
Net loans and leases to core deposits	54.4247%	5,717
Total domestic deposits to total assets	84.8549%	3,962
Equity capital to assets	12.9528%	1,362
Core capital (leverage) ratio	12.6873%	1,296
Tier 1 risk-based capital ratio	28.3820%	609
Total risk-based capital ratio	29.6343%	599
Memoranda:
Average total assets	$190,296,000	3,189
Average earning assets	$173,507,330	3,206
Average equity	$24,752,670	2,686
Average total loans	$85,609,670	3,832
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3204%	6,113
Cost of funding earning assets	0.1409%	6,822
Net interest margin	3.1795%	5,000
Noninterest income to average assets	0.4529%	4,106
Noninterest expense to average assets	2.5962%	4,417
Loan and lease loss provision to assets	0.1002%	3,008
Net operating income to assets	0.5635%	4,393
Return on assets (ROA)	0.5635%	4,546
Pretax return on assets	0.6762%	4,672
Return on Equity (ROE)	4.3232%	4,933
Retained earnings to average equity (ytd only)	2.7220%	4,654
Net charge-offs to loans	0.0692%	3,147
Credit loss provision to net charge-offs	320.0000%	755
Earnings coverage of net charge-offs (x)	24.8000%	1,069
Efficiency ratio	76.9802%	2,767
Assets per employee ($millions)	4.8947%	2,359
Cash dividends to net income (ytd only)*	37.0370%	1,924
Condition Ratios (%)
Loss allowance to loans	1.4825%	3,892
Loan loss allowance to noncurrent loans	48.3810%	5,232
Noncurrent assets plus other real estate owned to assets	1.4551%	3,074
Noncurrent loans to loans	3.0643%	1,631
Net loans and leases to total assets	43.6145%	5,704
Net loans and leases to deposits	51.4611%	5,669
Net loans and leases to core deposits	53.4890%	5,711
Total domestic deposits to total assets	84.7524%	4,155
Equity capital to assets	12.7689%	1,550
Core capital (leverage) ratio	13.0213%	1,106
Tier 1 risk-based capital ratio	27.0697%	699
Total risk-based capital ratio	28.3218%	684
Memoranda:
Average total assets	$191,661,500	3,203
Average earning assets	$176,003,000	3,198
Average equity	$24,981,500	2,709
Average total loans	$86,699,000	3,822
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6994%	6,055
Cost of funding earning assets	0.2602%	6,630
Net interest margin	3.4391%	4,747
Noninterest income to average assets	0.4610%	4,166
Noninterest expense to average assets	2.3586%	5,534
Loan and lease loss provision to assets	0.4016%	1,615
Net operating income to assets	0.6190%	4,149
Return on assets (ROA)	0.6961%	4,011
Pretax return on assets	0.9311%	3,805
Return on Equity (ROE)	5.1985%	4,596
Retained earnings to average equity (ytd only)	1.6195%	5,058
Net charge-offs to loans	0.6992%	1,692
Credit loss provision to net charge-offs	125.2087%	2,261
Earnings coverage of net charge-offs (x)	3.8347%	3,578
Efficiency ratio	65.7266%	4,556
Assets per employee ($millions)	4.6884%	2,657
Cash dividends to net income (ytd only)*	68.8462%	1,418
Condition Ratios (%)
Loss allowance to loans	1.4437%	3,966
Loan loss allowance to noncurrent loans	43.9916%	5,434
Noncurrent assets plus other real estate owned to assets	1.5176%	3,102
Noncurrent loans to loans	3.2818%	1,563
Net loans and leases to total assets	45.5750%	5,661
Net loans and leases to deposits	53.8829%	5,664
Net loans and leases to core deposits	55.9590%	5,718
Total domestic deposits to total assets	84.5815%	4,052
Equity capital to assets	13.3111%	1,311
Core capital (leverage) ratio	12.8606%	1,171
Tier 1 risk-based capital ratio	27.1548%	680
Total risk-based capital ratio	28.4063%	666
Memoranda:
Average total assets	$186,760,600	3,209
Average earning assets	$169,839,800	3,229
Average equity	$25,007,400	2,656
Average total loans	$85,675,200	3,858
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7698%	6,088
Cost of funding earning assets	0.2896%	6,661
Net interest margin	3.4803%	4,713
Noninterest income to average assets	0.4188%	4,488
Noninterest expense to average assets	2.3691%	5,490
Loan and lease loss provision to assets	0.3345%	1,957
Net operating income to assets	0.6519%	4,132
Return on assets (ROA)	0.7532%	3,932
Pretax return on assets	1.0027%	3,698
Return on Equity (ROE)	5.6170%	4,524
Retained earnings to average equity (ytd only)	4.6045%	3,662
Net charge-offs to loans	0.6197%	1,780
Credit loss provision to net charge-offs	117.8841%	2,459
Earnings coverage of net charge-offs (x)	4.2368%	3,367
Efficiency ratio	66.3398%	4,386
Assets per employee ($millions)	4.2849%	3,306
Cash dividends to net income (ytd only)*	18.0268%	3,136
Condition Ratios (%)
Loss allowance to loans	1.3780%	4,472
Loan loss allowance to noncurrent loans	48.1512%	5,223
Noncurrent assets plus other real estate owned to assets	1.2910%	3,711
Noncurrent loans to loans	2.8618%	1,966
Net loans and leases to total assets	44.4899%	5,929
Net loans and leases to deposits	53.1354%	5,880
Net loans and leases to core deposits	55.6293%	5,922
Total domestic deposits to total assets	83.7293%	4,346
Equity capital to assets	13.5365%	1,334
Core capital (leverage) ratio	13.1758%	1,120
Tier 1 risk-based capital ratio	28.1700%	643
Total risk-based capital ratio	29.4206%	624
Memoranda:
Average total assets	$186,567,000	3,249
Average earning assets	$168,987,000	3,277
Average equity	$25,018,500	2,686
Average total loans	$85,413,750	3,902
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8686%	5,990
Cost of funding earning assets	0.3266%	6,616
Net interest margin	3.5419%	4,498
Noninterest income to average assets	0.4723%	4,117
Noninterest expense to average assets	2.4076%	5,432
Loan and lease loss provision to assets	0.4303%	1,516
Net operating income to assets	0.6307%	4,224
Return on assets (ROA)	0.7832%	3,722
Pretax return on assets	1.0457%	3,538
Return on Equity (ROE)	5.8589%	4,389
Retained earnings to average equity (ytd only)	4.3298%	3,736
Net charge-offs to loans	0.8698%	1,268
Credit loss provision to net charge-offs	107.5269%	2,536
Earnings coverage of net charge-offs (x)	3.1801%	3,467
Efficiency ratio	65.4195%	4,645
Assets per employee ($millions)	4.1507%	3,562
Cash dividends to net income (ytd only)*	26.0989%	2,771
Condition Ratios (%)
Loss allowance to loans	1.3176%	4,815
Loan loss allowance to noncurrent loans	154.6575%	2,170
Noncurrent assets plus other real estate owned to assets	0.5664%	5,343
Noncurrent loans to loans	0.8520%	4,814
Net loans and leases to total assets	45.2693%	5,899
Net loans and leases to deposits	54.1066%	5,854
Net loans and leases to core deposits	56.9498%	5,864
Total domestic deposits to total assets	83.6669%	4,461
Equity capital to assets	13.4372%	1,326
Core capital (leverage) ratio	13.0424%	1,138
Tier 1 risk-based capital ratio	27.6758%	672
Total risk-based capital ratio	28.9263%	657
Memoranda:
Average total assets	$185,911,000	3,265
Average earning assets	$168,383,330	3,288
Average equity	$24,851,000	2,689
Average total loans	$85,534,670	3,924
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0091%	5,729
Cost of funding earning assets	0.3770%	6,517
Net interest margin	3.6321%	4,119
Noninterest income to average assets	0.4831%	4,036
Noninterest expense to average assets	2.5081%	5,123
Loan and lease loss provision to assets	0.1466%	3,530
Net operating income to assets	0.8066%	3,344
Return on assets (ROA)	0.8066%	3,585
Pretax return on assets	1.1322%	3,190
Return on Equity (ROE)	6.0499%	4,264
Retained earnings to average equity (ytd only)	4.5941%	3,815
Net charge-offs to loans	0.2481%	2,686
Credit loss provision to net charge-offs	128.3019%	1,888
Earnings coverage of net charge-offs (x)	11.1887%	1,693
Efficiency ratio	66.2301%	4,516
Assets per employee ($millions)	4.2974%	3,400
Cash dividends to net income (ytd only)*	24.0642%	2,237
Condition Ratios (%)
Loss allowance to loans	1.2989%	5,027
Loan loss allowance to noncurrent loans	112.2736%	2,770
Noncurrent assets plus other real estate owned to assets	0.6992%	5,149
Noncurrent loans to loans	1.1569%	4,396
Net loans and leases to total assets	44.8489%	5,910
Net loans and leases to deposits	53.5741%	5,852
Net loans and leases to core deposits	56.4281%	5,870
Total domestic deposits to total assets	83.7138%	4,630
Equity capital to assets	13.1342%	1,385
Core capital (leverage) ratio	12.9862%	1,134
Tier 1 risk-based capital ratio	26.7680%	747
Total risk-based capital ratio	27.9968%	737
Memoranda:
Average total assets	$185,476,500	3,289
Average earning assets	$168,718,000	3,306
Average equity	$24,727,500	2,691
Average total loans	$85,460,500	3,956
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3605%	5,572
Cost of funding earning assets	0.6120%	6,035
Net interest margin	3.7485%	4,090
Noninterest income to average assets	0.4529%	4,191
Noninterest expense to average assets	2.5245%	5,383
Loan and lease loss provision to assets	0.1842%	4,351
Net operating income to assets	0.7749%	3,152
Return on assets (ROA)	0.7749%	3,318
Pretax return on assets	1.0878%	2,883
Return on Equity (ROE)	5.6644%	4,045
Retained earnings to average equity (ytd only)	1.4161%	5,189
Net charge-offs to loans	0.2718%	4,073
Credit loss provision to net charge-offs	137.0833%	2,172
Earnings coverage of net charge-offs (x)	9.4667%	1,977
Efficiency ratio	66.4946%	4,660
Assets per employee ($millions)	4.1333%	3,582
Cash dividends to net income (ytd only)*	75.0000%	951
Condition Ratios (%)
Loss allowance to loans	1.2953%	4,927
Loan loss allowance to noncurrent loans	93.6224%	3,217
Noncurrent assets plus other real estate owned to assets	0.8270%	4,974
Noncurrent loans to loans	1.3835%	4,071
Net loans and leases to total assets	46.1332%	6,003
Net loans and leases to deposits	54.9907%	5,980
Net loans and leases to core deposits	57.4271%	6,048
Total domestic deposits to total assets	83.8926%	4,360
Equity capital to assets	13.5374%	1,246
Core capital (leverage) ratio	12.9845%	1,148
Tier 1 risk-based capital ratio	26.8608%	719
Total risk-based capital ratio	28.0917%	698
Memoranda:
Average total assets	$178,612,200	3,357
Average earning assets	$159,317,800	3,420
Average equity	$24,433,400	2,628
Average total loans	$88,306,200	3,902
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4967%	5,263
Cost of funding earning assets	0.6542%	6,013
Net interest margin	3.8425%	3,654
Noninterest income to average assets	0.4492%	4,301
Noninterest expense to average assets	2.5234%	5,385
Loan and lease loss provision to assets	0.1657%	4,403
Net operating income to assets	0.8309%	3,016
Return on assets (ROA)	0.8309%	3,180
Pretax return on assets	1.1736%	2,724
Return on Equity (ROE)	6.0578%	3,998
Retained earnings to average equity (ytd only)	4.7894%	3,320
Net charge-offs to loans	0.2393%	3,927
Credit loss provision to net charge-offs	138.1250%	2,309
Earnings coverage of net charge-offs (x)	11.1624%	1,835
Efficiency ratio	65.3271%	4,839
Assets per employee ($millions)	4.1107%	3,620
Cash dividends to net income (ytd only)*	20.9389%	2,886
Condition Ratios (%)
Loss allowance to loans	1.2493%	5,253
Loan loss allowance to noncurrent loans	135.1385%	2,237
Noncurrent assets plus other real estate owned to assets	0.6535%	5,503
Noncurrent loans to loans	0.9244%	5,034
Net loans and leases to total assets	46.8942%	6,063
Net loans and leases to deposits	56.6164%	5,970
Net loans and leases to core deposits	59.2347%	6,042
Total domestic deposits to total assets	82.8279%	4,751
Equity capital to assets	13.9316%	1,184
Core capital (leverage) ratio	13.6590%	991
Tier 1 risk-based capital ratio	27.5825%	691
Total risk-based capital ratio	28.7877%	680
Memoranda:
Average total assets	$177,798,500	3,384
Average earning assets	$157,947,250	3,466
Average equity	$24,386,750	2,639
Average total loans	$89,132,250	3,925
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6858%	4,596
Cost of funding earning assets	0.6986%	5,973
Net interest margin	3.9871%	2,902
Noninterest income to average assets	0.4469%	4,307
Noninterest expense to average assets	2.5999%	5,181
Loan and lease loss provision to assets	0.1663%	4,269
Net operating income to assets	0.8429%	2,890
Return on assets (ROA)	0.8429%	2,986
Pretax return on assets	1.1868%	2,534
Return on Equity (ROE)	6.1784%	3,868
Retained earnings to average equity (ytd only)	4.3290%	3,440
Net charge-offs to loans	0.3170%	3,287
Credit loss provision to net charge-offs	102.7972%	3,009
Earnings coverage of net charge-offs (x)	8.3636%	2,075
Efficiency ratio	65.7699%	4,916
Assets per employee ($millions)	4.1049%	3,540
Cash dividends to net income (ytd only)*	29.9329%	2,483
Condition Ratios (%)
Loss allowance to loans	1.1760%	5,645
Loan loss allowance to noncurrent loans	169.0516%	1,776
Noncurrent assets plus other real estate owned to assets	0.5642%	5,797
Noncurrent loans to loans	0.6956%	5,516
Net loans and leases to total assets	47.2710%	6,126
Net loans and leases to deposits	56.7936%	6,067
Net loans and leases to core deposits	59.1357%	6,177
Total domestic deposits to total assets	83.2329%	4,655
Equity capital to assets	13.6583%	1,219
Core capital (leverage) ratio	13.4064%	1,023
Tier 1 risk-based capital ratio	26.6307%	748
Total risk-based capital ratio	27.7486%	745
Memoranda:
Average total assets	$176,775,000	3,420
Average earning assets	$155,450,000	3,533
Average equity	$24,116,330	2,650
Average total loans	$90,213,000	3,932
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6555%	4,721
Cost of funding earning assets	0.7506%	5,855
Net interest margin	3.9050%	3,112
Noninterest income to average assets	0.5399%	3,581
Noninterest expense to average assets	2.7246%	4,737
Loan and lease loss provision to assets	0.1693%	3,932
Net operating income to assets	0.7526%	3,261
Return on assets (ROA)	0.7526%	3,326
Pretax return on assets	1.0500%	2,946
Return on Equity (ROE)	5.5201%	4,155
Retained earnings to average equity (ytd only)	4.8826%	3,263
Net charge-offs to loans	0.2171%	3,217
Credit loss provision to net charge-offs	148.0000%	1,928
Earnings coverage of net charge-offs (x)	10.6600%	1,617
Efficiency ratio	69.0835%	4,455
Assets per employee ($millions)	4.0452%	3,747
Cash dividends to net income (ytd only)*	11.5502%	2,353
Condition Ratios (%)
Loss allowance to loans	1.1266%	5,951
Loan loss allowance to noncurrent loans	53.2374%	4,824
Noncurrent assets plus other real estate owned to assets	1.1984%	4,559
Noncurrent loans to loans	2.1162%	3,424
Net loans and leases to total assets	51.0829%	5,706
Net loans and leases to deposits	61.2496%	5,595
Net loans and leases to core deposits	63.8067%	5,748
Total domestic deposits to total assets	83.4012%	4,745
Equity capital to assets	13.5121%	1,180
Core capital (leverage) ratio	13.4151%	991
Tier 1 risk-based capital ratio	24.7443%	905
Total risk-based capital ratio	25.8136%	904
Memoranda:
Average total assets	$174,854,500	3,469
Average earning assets	$152,421,000	3,601
Average equity	$23,840,000	2,659
Average total loans	$92,122,000	3,924
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9963%	4,579
Cost of funding earning assets	0.9345%	6,010
Net interest margin	4.0618%	2,738
Noninterest income to average assets	0.5534%	3,795
Noninterest expense to average assets	2.7232%	4,884
Loan and lease loss provision to assets	0.2899%	4,479
Net operating income to assets	0.7938%	2,832
Return on assets (ROA)	0.7938%	2,968
Pretax return on assets	1.1332%	2,450
Return on Equity (ROE)	5.7038%	3,733
Retained earnings to average equity (ytd only)	1.1697%	4,961
Net charge-offs to loans	0.6258%	3,148
Credit loss provision to net charge-offs	83.1683%	5,431
Earnings coverage of net charge-offs (x)	4.0825%	3,074
Efficiency ratio	65.6770%	5,030
Assets per employee ($millions)	3.8160%	4,218
Cash dividends to net income (ytd only)*	79.4928%	868
Condition Ratios (%)
Loss allowance to loans	1.0977%	5,955
Loan loss allowance to noncurrent loans	51.1875%	4,939
Noncurrent assets plus other real estate owned to assets	1.2614%	4,511
Noncurrent loans to loans	2.1444%	3,375
Net loans and leases to total assets	53.1522%	5,761
Net loans and leases to deposits	63.2996%	5,708
Net loans and leases to core deposits	66.2003%	5,855
Total domestic deposits to total assets	83.9693%	4,374
Equity capital to assets	13.7608%	1,111
Core capital (leverage) ratio	13.1115%	1,092
Tier 1 risk-based capital ratio	24.0221%	932
Total risk-based capital ratio	25.0497%	933
Memoranda:
Average total assets	$173,842,000	3,470
Average earning assets	$153,774,600	3,576
Average equity	$24,194,400	2,639
Average total loans	$96,830,400	3,876
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9927%	4,853
Cost of funding earning assets	0.9501%	6,175
Net interest margin	4.0426%	2,894
Noninterest income to average assets	0.5452%	3,825
Noninterest expense to average assets	2.7465%	4,695
Loan and lease loss provision to assets	0.2149%	4,918
Net operating income to assets	0.8342%	2,864
Return on assets (ROA)	0.8342%	2,995
Pretax return on assets	1.1951%	2,507
Return on Equity (ROE)	5.9774%	3,823
Retained earnings to average equity (ytd only)	4.8652%	3,074
Net charge-offs to loans	0.5090%	3,256
Credit loss provision to net charge-offs	75.1337%	5,275
Earnings coverage of net charge-offs (x)	4.9305%	2,896
Efficiency ratio	66.0780%	4,840
Assets per employee ($millions)	3.9033%	4,030
Cash dividends to net income (ytd only)*	18.6068%	3,029
Condition Ratios (%)
Loss allowance to loans	1.0887%	5,988
Loan loss allowance to noncurrent loans	45.6658%	5,229
Noncurrent assets plus other real estate owned to assets	1.3862%	4,389
Noncurrent loans to loans	2.3840%	3,252
Net loans and leases to total assets	51.7146%	6,133
Net loans and leases to deposits	62.3411%	6,084
Net loans and leases to core deposits	65.3170%	6,179
Total domestic deposits to total assets	82.9541%	4,607
Equity capital to assets	13.8456%	1,225
Core capital (leverage) ratio	13.6569%	1,008
Tier 1 risk-based capital ratio	24.2059%	924
Total risk-based capital ratio	25.2245%	923
Memoranda:
Average total assets	$174,372,500	3,506
Average earning assets	$155,769,250	3,577
Average equity	$24,335,500	2,670
Average total loans	$97,966,500	3,916
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1398%	4,252
Cost of funding earning assets	0.9771%	6,250
Net interest margin	4.1626%	2,284
Noninterest income to average assets	0.5561%	3,658
Noninterest expense to average assets	2.7513%	4,698
Loan and lease loss provision to assets	0.1703%	5,172
Net operating income to assets	0.9279%	2,445
Return on assets (ROA)	0.9279%	2,542
Pretax return on assets	1.3357%	1,992
Return on Equity (ROE)	6.6306%	3,473
Retained earnings to average equity (ytd only)	4.9999%	2,899
Net charge-offs to loans	0.4430%	3,207
Credit loss provision to net charge-offs	66.8182%	5,054
Earnings coverage of net charge-offs (x)	5.9091%	2,572
Efficiency ratio	64.6259%	5,224
Assets per employee ($millions)	3.7623%	4,315
Cash dividends to net income (ytd only)*	24.5943%	2,723
Condition Ratios (%)
Loss allowance to loans	1.0933%	5,977
Loan loss allowance to noncurrent loans	55.3372%	4,615
Noncurrent assets plus other real estate owned to assets	1.2533%	4,646
Noncurrent loans to loans	1.9756%	3,756
Net loans and leases to total assets	54.4702%	5,919
Net loans and leases to deposits	65.6056%	5,860
Net loans and leases to core deposits	69.0739%	5,965
Total domestic deposits to total assets	83.0268%	4,563
Equity capital to assets	14.1408%	1,122
Core capital (leverage) ratio	13.8701%	959
Tier 1 risk-based capital ratio	23.1590%	1,045
Total risk-based capital ratio	24.1644%	1,057
Memoranda:
Average total assets	$172,646,330	3,559
Average earning assets	$153,508,000	3,647
Average equity	$24,160,670	2,677
Average total loans	$99,330,000	3,921
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2787%	3,653
Cost of funding earning assets	0.9775%	6,480
Net interest margin	4.3012%	1,689
Noninterest income to average assets	0.5521%	3,638
Noninterest expense to average assets	2.7674%	4,618
Loan and lease loss provision to assets	0.1717%	4,808
Net operating income to assets	0.9859%	2,239
Return on assets (ROA)	0.9859%	2,299
Pretax return on assets	1.4405%	1,667
Return on Equity (ROE)	7.0820%	3,306
Retained earnings to average equity (ytd only)	7.0820%	2,103
Net charge-offs to loans	0.1026%	4,395
Credit loss provision to net charge-offs	284.6154%	1,387
Earnings coverage of net charge-offs (x)	26.7308%	947
Efficiency ratio	63.1886%	5,626
Assets per employee ($millions)	3.4734%	5,088
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	1.1649%	5,684
Loan loss allowance to noncurrent loans	65.8550%	4,066
Noncurrent assets plus other real estate owned to assets	1.2308%	4,714
Noncurrent loans to loans	1.7689%	4,097
Net loans and leases to total assets	59.1840%	5,259
Net loans and leases to deposits	70.4035%	5,283
Net loans and leases to core deposits	73.2487%	5,584
Total domestic deposits to total assets	84.0641%	4,115
Equity capital to assets	14.4862%	1,008
Core capital (leverage) ratio	13.5676%	1,065
Tier 1 risk-based capital ratio	20.8996%	1,355
Total risk-based capital ratio	21.9199%	1,374
Memoranda:
Average total assets	$172,436,000	3,621
Average earning assets	$153,445,500	3,699
Average equity	$24,004,500	2,719
Average total loans	$101,339,000	3,913
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4486%	4,444
Cost of funding earning assets	1.2857%	6,357
Net interest margin	4.1629%	2,202
Noninterest income to average assets	0.6417%	3,346
Noninterest expense to average assets	2.8052%	4,959
Loan and lease loss provision to assets	0.3642%	4,615
Net operating income to assets	0.8485%	2,353
Return on assets (ROA)	0.8473%	2,445
Pretax return on assets	1.2242%	1,893
Return on Equity (ROE)	6.1263%	3,164
Retained earnings to average equity (ytd only)	1.9687%	3,723
Net charge-offs to loans	0.5556%	3,558
Credit loss provision to net charge-offs	109.3103%	5,049
Earnings coverage of net charge-offs (x)	4.7724%	2,826
Efficiency ratio	63.8217%	5,811
Assets per employee ($millions)	3.7114%	4,493
Cash dividends to net income (ytd only)*	67.8644%	1,657
Condition Ratios (%)
Loss allowance to loans	1.0842%	5,977
Loan loss allowance to noncurrent loans	59.8818%	4,395
Noncurrent assets plus other real estate owned to assets	1.1215%	4,847
Noncurrent loans to loans	1.8106%	3,914
Net loans and leases to total assets	57.1020%	5,803
Net loans and leases to deposits	67.2044%	5,920
Net loans and leases to core deposits	82.2494%	5,891
Total domestic deposits to total assets	84.9676%	3,561
Equity capital to assets	13.3917%	1,365
Core capital (leverage) ratio	13.3334%	1,145
Tier 1 risk-based capital ratio	20.4840%	1,374
Total risk-based capital ratio	21.4601%	1,386
Memoranda:
Average total assets	$174,072,400	3,530
Average earning assets	$156,957,000	3,579
Average equity	$24,076,400	2,717
Average total loans	$104,387,200	3,825
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6160%	3,769
Cost of funding earning assets	1.3693%	6,337
Net interest margin	4.2467%	1,882
Noninterest income to average assets	0.6518%	3,337
Noninterest expense to average assets	2.7813%	4,967
Loan and lease loss provision to assets	0.3382%	4,305
Net operating income to assets	0.9523%	2,226
Return on assets (ROA)	0.9507%	2,291
Pretax return on assets	1.3722%	1,765
Return on Equity (ROE)	6.8181%	3,155
Retained earnings to average equity (ytd only)	6.8181%	1,583
Net charge-offs to loans	0.5727%	2,960
Credit loss provision to net charge-offs	97.5556%	5,234
Earnings coverage of net charge-offs (x)	4.9400%	2,962
Efficiency ratio	61.8893%	6,138
Assets per employee ($millions)	3.5039%	4,916
Cash dividends to net income (ytd only)*	0.0000%	3,688
Condition Ratios (%)
Loss allowance to loans	1.0150%	6,188
Loan loss allowance to noncurrent loans	65.5840%	4,042
Noncurrent assets plus other real estate owned to assets	0.9519%	5,156
Noncurrent loans to loans	1.5477%	4,320
Net loans and leases to total assets	60.8820%	5,445
Net loans and leases to deposits	73.0845%	5,497
Net loans and leases to core deposits	90.8635%	5,349
Total domestic deposits to total assets	83.3036%	4,065
Equity capital to assets	14.7432%	1,079
Core capital (leverage) ratio	13.7574%	1,154
Tier 1 risk-based capital ratio	22.3011%	1,187
Total risk-based capital ratio	23.2673%	1,204
Memoranda:
Average total assets	$173,053,500	3,576
Average earning assets	$156,572,750	3,608
Average equity	$24,131,250	2,730
Average total loans	$104,773,750	3,859
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6091%	4,026
Cost of funding earning assets	1.4399%	6,352
Net interest margin	4.1692%	2,098
Noninterest income to average assets	0.5805%	3,836
Noninterest expense to average assets	2.7605%	5,129
Loan and lease loss provision to assets	0.2118%	4,927
Net operating income to assets	0.9389%	2,316
Return on assets (ROA)	0.9389%	2,409
Pretax return on assets	1.3843%	1,771
Return on Equity (ROE)	6.8591%	3,262
Retained earnings to average equity (ytd only)	6.8591%	1,637
Net charge-offs to loans	0.3669%	3,352
Credit loss provision to net charge-offs	95.8549%	4,742
Earnings coverage of net charge-offs (x)	7.2228%	2,473
Efficiency ratio	63.3640%	6,031
Assets per employee ($millions)	3.7454%	4,221
Cash dividends to net income (ytd only)*	0.0000%	3,532
Condition Ratios (%)
Loss allowance to loans	1.0042%	6,210
Loan loss allowance to noncurrent loans	119.9317%	2,462
Noncurrent assets plus other real estate owned to assets	0.4884%	6,213
Noncurrent loans to loans	0.8373%	5,547
Net loans and leases to total assets	57.7397%	6,000
Net loans and leases to deposits	68.6151%	6,126
Net loans and leases to core deposits	83.5433%	6,119
Total domestic deposits to total assets	84.1502%	3,677
Equity capital to assets	13.4113%	1,525
Core capital (leverage) ratio	13.7358%	1,204
Tier 1 risk-based capital ratio	21.5498%	1,324
Total risk-based capital ratio	22.5024%	1,323
Memoranda:
Average total assets	$174,676,000	3,561
Average earning assets	$158,208,330	3,593
Average equity	$23,909,670	2,763
Average total loans	$105,216,670	3,887
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.8269%	3,162
Cost of funding earning assets	1.5601%	6,197
Net interest margin	4.2668%	1,683
Noninterest income to average assets	0.5926%	3,603
Noninterest expense to average assets	2.5772%	5,542
Loan and lease loss provision to assets	0.1627%	4,855
Net operating income to assets	1.1186%	1,899
Return on assets (ROA)	1.1201%	2,017
Pretax return on assets	1.6686%	1,251
Return on Equity (ROE)	8.0978%	3,101
Retained earnings to average equity (ytd only)	8.0978%	1,775
Net charge-offs to loans	0.0380%	4,977
Credit loss provision to net charge-offs	700.0000%	846
Earnings coverage of net charge-offs (x)	78.7000%	528
Efficiency ratio	58.4916%	6,627
Assets per employee ($millions)	3.6031%	4,560
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	1.0722%	5,672
Loan loss allowance to noncurrent loans	131.2646%	2,412
Noncurrent assets plus other real estate owned to assets	0.4938%	5,988
Noncurrent loans to loans	0.8168%	5,404
Net loans and leases to total assets	59.8026%	5,691
Net loans and leases to deposits	71.4292%	5,814
Net loans and leases to core deposits	88.0261%	5,736
Total domestic deposits to total assets	83.7229%	3,832
Equity capital to assets	13.9018%	1,393
Core capital (leverage) ratio	13.4792%	1,326
Tier 1 risk-based capital ratio	21.3862%	1,392
Total risk-based capital ratio	22.4048%	1,393
Memoranda:
Average total assets	$172,123,500	3,619
Average earning assets	$153,837,500	3,682
Average equity	$23,809,000	2,793
Average total loans	$105,396,000	3,896
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.4111%	3,356
Cost of funding earning assets	1.9205%	6,672
Net interest margin	4.4907%	1,450
Noninterest income to average assets	0.6394%	3,558
Noninterest expense to average assets	2.8463%	4,619
Loan and lease loss provision to assets	0.1712%	5,193
Net operating income to assets	1.0598%	2,307
Return on assets (ROA)	1.0613%	2,208
Pretax return on assets	1.5731%	1,467
Return on Equity (ROE)	7.8364%	3,137
Retained earnings to average equity (ytd only)	1.7499%	4,159
Net charge-offs to loans	0.2779%	3,544
Credit loss provision to net charge-offs	103.8194%	5,149
Earnings coverage of net charge-offs (x)	10.5660%	2,495
Efficiency ratio	62.0337%	5,947
Assets per employee ($millions)	3.5687%	4,502
Cash dividends to net income (ytd only)*	77.6699%	1,815
Condition Ratios (%)
Loss allowance to loans	0.9987%	6,071
Loan loss allowance to noncurrent loans	245.0346%	1,613
Noncurrent assets plus other real estate owned to assets	0.2598%	6,540
Noncurrent loans to loans	0.4076%	6,121
Net loans and leases to total assets	61.4029%	5,711
Net loans and leases to deposits	72.8327%	5,965
Net loans and leases to core deposits	89.9853%	5,799
Total domestic deposits to total assets	84.3069%	3,173
Equity capital to assets	13.7626%	1,511
Core capital (leverage) ratio	13.3697%	1,426
Tier 1 risk-based capital ratio	20.2130%	1,582
Total risk-based capital ratio	21.1420%	1,598
Memoranda:
Average total assets	$174,685,800	3,481
Average earning assets	$153,608,000	3,590
Average equity	$23,658,800	2,770
Average total loans	$103,643,000	3,859