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Exchange Bank & Trust, 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	5.3447%	2,417
Cost of funding earning assets	1.4615%	3,299
Net interest margin	3.8832%	1,498
Noninterest income to average assets	0.4100%	2,181
Noninterest expense to average assets	2.1823%	3,151
Loan and lease loss provision to assets	0.0200%	2,448
Net operating income to assets	1.5185%	1,063
Return on assets (ROA)	1.5185%	1,060
Pretax return on assets	1.9778%	723
Return on Equity (ROE)	13.5800%	1,364
Retained earnings to average equity (ytd only)	11.0618%	945
Net charge-offs to loans	0.0299%	1,406
Credit loss provision to net charge-offs	86.2069%	1,363
Earnings coverage of net charge-offs (x)	102.5862%	686
Efficiency ratio	52.2472%	3,739
Assets per employee ($millions)	7.4249%	1,926
Cash dividends to net income (ytd only)*	18.5430%	2,027
Condition Ratios (%)
Loss allowance to loans	1.3929%	1,318
Loan loss allowance to noncurrent loans	659.1133%	950
Noncurrent assets plus other real estate owned to assets	0.1350%	2,838
Noncurrent loans to loans	0.2113%	2,742
Net loans and leases to total assets	63.0000%	2,607
Net loans and leases to deposits	72.0929%	2,730
Net loans and leases to core deposits	80.0315%	2,690
Total domestic deposits to total assets	87.3800%	1,779
Equity capital to assets	11.3398%	1,493
Core capital (leverage) ratio	11.9676%	1,483
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,736
Memoranda:
Average total assets	$596,625,000	1,562
Average earning assets	$578,591,000	1,507
Average equity	$66,716,000	1,417
Average total loans	$388,314,500	1,593
2024-12-31		Rank
Percentage of unprofitable institutions	0.0000%	319
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1000%	2,918
Cost of funding earning assets	1.3278%	3,634
Net interest margin	3.7721%	1,551
Noninterest income to average assets	0.4700%	2,077
Noninterest expense to average assets	2.3850%	2,625
Loan and lease loss provision to assets	0.0200%	2,766
Net operating income to assets	1.3271%	1,223
Return on assets (ROA)	1.3305%	1,213
Pretax return on assets	1.7147%	948
Return on Equity (ROE)	12.3400%	1,525
Retained earnings to average equity (ytd only)	9.6138%	654
Net charge-offs to loans	0.0297%	1,981
Credit loss provision to net charge-offs	130.4348%	1,555
Earnings coverage of net charge-offs (x)	85.9826%	895
Efficiency ratio	57.9270%	3,369
Assets per employee ($millions)	7.3066%	1,957
Cash dividends to net income (ytd only)*	22.1198%	2,876
Condition Ratios (%)
Loss allowance to loans	1.3649%	1,417
Loan loss allowance to noncurrent loans	2,328.6957%	401
Noncurrent assets plus other real estate owned to assets	0.0389%	3,393
Noncurrent loans to loans	0.0586%	3,350
Net loans and leases to total assets	65.4000%	2,428
Net loans and leases to deposits	74.5469%	2,597
Net loans and leases to core deposits	82.6912%	2,582
Total domestic deposits to total assets	87.7300%	1,619
Equity capital to assets	11.0222%	1,575
Core capital (leverage) ratio	12.1374%	1,387
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,791
Memoranda:
Average total assets	$570,823,400	1,600
Average earning assets	$551,495,600	1,539
Average equity	$61,526,400	1,461
Average total loans	$387,207,400	1,571
2024-09-30		Rank
Percentage of unprofitable institutions	0.0000%	305
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0350%	2,978
Cost of funding earning assets	1.3127%	3,651
Net interest margin	3.7223%	1,597
Noninterest income to average assets	0.4700%	2,018
Noninterest expense to average assets	2.2283%	2,999
Loan and lease loss provision to assets	0.0300%	2,381
Net operating income to assets	1.3949%	1,106
Return on assets (ROA)	1.3975%	1,103
Pretax return on assets	1.8060%	865
Return on Equity (ROE)	13.0400%	1,353
Retained earnings to average equity (ytd only)	10.6664%	711
Net charge-offs to loans	0.0100%	2,275
Credit loss provision to net charge-offs	517.2414%	613
Earnings coverage of net charge-offs (x)	268.0000%	421
Efficiency ratio	54.8769%	3,647
Assets per employee ($millions)	6.8643%	2,233
Cash dividends to net income (ytd only)*	18.2186%	2,601
Condition Ratios (%)
Loss allowance to loans	1.3930%	1,371
Loan loss allowance to noncurrent loans	2,030.5970%	422
Noncurrent assets plus other real estate owned to assets	0.0476%	3,400
Noncurrent loans to loans	0.0686%	3,351
Net loans and leases to total assets	68.4400%	2,033
Net loans and leases to deposits	78.5889%	2,302
Net loans and leases to core deposits	88.0066%	2,294
Total domestic deposits to total assets	87.0900%	1,565
Equity capital to assets	11.5676%	1,446
Core capital (leverage) ratio	12.2635%	1,366
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,827
Memoranda:
Average total assets	$565,570,500	1,608
Average earning assets	$546,136,750	1,554
Average equity	$60,599,750	1,470
Average total loans	$385,909,500	1,559
2024-06-30		Rank
Percentage of unprofitable institutions	0.0000%	306
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9174%	3,095
Cost of funding earning assets	1.2784%	3,659
Net interest margin	3.6390%	1,713
Noninterest income to average assets	0.4600%	2,045
Noninterest expense to average assets	2.2162%	3,028
Loan and lease loss provision to assets	0.0500%	1,906
Net operating income to assets	1.3078%	1,247
Return on assets (ROA)	1.3106%	1,255
Pretax return on assets	1.7152%	960
Return on Equity (ROE)	12.5600%	1,470
Retained earnings to average equity (ytd only)	10.1259%	850
Net charge-offs to loans	0.0062%	2,196
Credit loss provision to net charge-offs	1,250.0000%	335
Earnings coverage of net charge-offs (x)	416.5000%	294
Efficiency ratio	55.6718%	3,603
Assets per employee ($millions)	6.3664%	2,508
Cash dividends to net income (ytd only)*	19.3966%	2,528
Condition Ratios (%)
Loss allowance to loans	1.4133%	1,327
Loan loss allowance to noncurrent loans	1,755.3055%	499
Noncurrent assets plus other real estate owned to assets	0.0562%	3,282
Noncurrent loans to loans	0.0805%	3,262
Net loans and leases to total assets	68.7500%	2,045
Net loans and leases to deposits	78.3718%	2,344
Net loans and leases to core deposits	86.9537%	2,349
Total domestic deposits to total assets	87.7300%	1,416
Equity capital to assets	11.0031%	1,573
Core capital (leverage) ratio	11.9345%	1,486
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,851
Memoranda:
Average total assets	$566,470,000	1,599
Average earning assets	$547,399,333	1,542
Average equity	$59,096,000	1,487
Average total loans	$384,323,000	1,559
2024-03-31		Rank
Percentage of unprofitable institutions	0.0000%	11
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7836%	3,178
Cost of funding earning assets	1.2444%	3,653
Net interest margin	3.5392%	1,825
Noninterest income to average assets	0.4600%	1,966
Noninterest expense to average assets	2.2585%	2,911
Loan and lease loss provision to assets	0.0700%	1,402
Net operating income to assets	1.1963%	1,450
Return on assets (ROA)	1.1963%	1,453
Pretax return on assets	1.5615%	1,155
Return on Equity (ROE)	11.7800%	1,630
Retained earnings to average equity (ytd only)	9.3034%	1,247
Net charge-offs to loans	-0.0031%	3,597
Credit loss provision to net charge-offs	0.0000%	1,619
Earnings coverage of net charge-offs (x)	0.0000%	2,130
Efficiency ratio	58.0610%	3,433
Assets per employee ($millions)	6.9033%	2,146
Cash dividends to net income (ytd only)*	21.0158%	1,982
Condition Ratios (%)
Loss allowance to loans	1.4205%	1,321
Loan loss allowance to noncurrent loans	1,609.4955%	573
Noncurrent assets plus other real estate owned to assets	0.0595%	3,259
Noncurrent loans to loans	0.0883%	3,171
Net loans and leases to total assets	66.4900%	2,187
Net loans and leases to deposits	75.6377%	2,457
Net loans and leases to core deposits	83.2678%	2,490
Total domestic deposits to total assets	87.9100%	1,455
Equity capital to assets	10.4004%	1,776
Core capital (leverage) ratio	11.5163%	1,644
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,874
Memoranda:
Average total assets	$572,768,500	1,596
Average earning assets	$554,482,000	1,533
Average equity	$58,172,500	1,494
Average total loans	$383,355,500	1,559
2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2049%	3,614
Cost of funding earning assets	0.8689%	3,586
Net interest margin	3.3360%	2,541
Noninterest income to average assets	0.5900%	1,571
Noninterest expense to average assets	2.2450%	2,995
Loan and lease loss provision to assets	0.1100%	1,180
Net operating income to assets	1.1213%	1,855
Return on assets (ROA)	1.0938%	1,908
Pretax return on assets	1.4193%	1,594
Return on Equity (ROE)	11.7800%	2,012
Retained earnings to average equity (ytd only)	9.1235%	1,227
Net charge-offs to loans	0.0167%	2,042
Credit loss provision to net charge-offs	1,000.0000%	406
Earnings coverage of net charge-offs (x)	139.8125%	747
Efficiency ratio	58.7444%	3,212
Assets per employee ($millions)	6.8985%	2,141
Cash dividends to net income (ytd only)*	22.5636%	2,848
Condition Ratios (%)
Loss allowance to loans	1.3825%	1,450
Loan loss allowance to noncurrent loans	2,038.6973%	520
Noncurrent assets plus other real estate owned to assets	0.0450%	3,293
Noncurrent loans to loans	0.0678%	3,227
Net loans and leases to total assets	65.5000%	2,313
Net loans and leases to deposits	74.0675%	2,609
Net loans and leases to core deposits	81.3394%	2,630
Total domestic deposits to total assets	88.4400%	1,221
Equity capital to assets	9.9180%	2,054
Core capital (leverage) ratio	11.2531%	1,790
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,896
Memoranda:
Average total assets	$571,323,600	1,549
Average earning assets	$551,588,200	1,489
Average equity	$53,038,800	1,528
Average total loans	$383,767,600	1,518
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0890%	3,684
Cost of funding earning assets	0.7797%	3,579
Net interest margin	3.3093%	2,659
Noninterest income to average assets	0.4700%	2,103
Noninterest expense to average assets	2.1254%	3,283
Loan and lease loss provision to assets	0.0800%	1,428
Net operating income to assets	1.1241%	1,978
Return on assets (ROA)	1.0813%	2,100
Pretax return on assets	1.4001%	1,780
Return on Equity (ROE)	11.8500%	2,163
Retained earnings to average equity (ytd only)	9.5433%	1,538
Net charge-offs to loans	0.0136%	1,908
Credit loss provision to net charge-offs	935.8974%	424
Earnings coverage of net charge-offs (x)	168.0513%	675
Efficiency ratio	57.8988%	3,215
Assets per employee ($millions)	6.6581%	2,212
Cash dividends to net income (ytd only)*	19.4932%	2,481
Condition Ratios (%)
Loss allowance to loans	1.3067%	1,839
Loan loss allowance to noncurrent loans	1,604.7468%	617
Noncurrent assets plus other real estate owned to assets	0.0565%	3,244
Noncurrent loans to loans	0.0814%	3,179
Net loans and leases to total assets	68.4800%	1,999
Net loans and leases to deposits	77.2830%	2,307
Net loans and leases to core deposits	84.7158%	2,284
Total domestic deposits to total assets	88.6100%	1,373
Equity capital to assets	9.5033%	2,093
Core capital (leverage) ratio	11.1805%	1,869
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,911
Memoranda:
Average total assets	$569,287,000	1,557
Average earning assets	$549,431,750	1,494
Average equity	$51,930,500	1,546
Average total loans	$383,488,250	1,516
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9536%	3,782
Cost of funding earning assets	0.6853%	3,526
Net interest margin	3.2682%	2,825
Noninterest income to average assets	0.4600%	2,088
Noninterest expense to average assets	2.1127%	3,311
Loan and lease loss provision to assets	0.0600%	1,720
Net operating income to assets	1.1135%	2,089
Return on assets (ROA)	1.1096%	2,087
Pretax return on assets	1.4383%	1,728
Return on Equity (ROE)	12.3300%	2,059
Retained earnings to average equity (ytd only)	10.0031%	1,403
Net charge-offs to loans	0.0131%	1,699
Credit loss provision to net charge-offs	680.0000%	533
Earnings coverage of net charge-offs (x)	172.0800%	683
Efficiency ratio	58.2649%	3,162
Assets per employee ($millions)	6.2753%	2,489
Cash dividends to net income (ytd only)*	18.8857%	2,483
Condition Ratios (%)
Loss allowance to loans	1.2643%	2,106
Loan loss allowance to noncurrent loans	3,761.5385%	332
Noncurrent assets plus other real estate owned to assets	0.0230%	3,581
Noncurrent loans to loans	0.0336%	3,499
Net loans and leases to total assets	67.6200%	1,999
Net loans and leases to deposits	75.8835%	2,325
Net loans and leases to core deposits	81.2684%	2,390
Total domestic deposits to total assets	89.1100%	1,215
Equity capital to assets	9.3666%	2,255
Core capital (leverage) ratio	10.8450%	2,021
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,936
Memoranda:
Average total assets	$572,622,667	1,550
Average earning assets	$552,712,333	1,490
Average equity	$51,524,000	1,564
Average total loans	$381,956,333	1,507
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8080%	3,845
Cost of funding earning assets	0.5800%	3,445
Net interest margin	3.2280%	3,048
Noninterest income to average assets	0.4500%	2,092
Noninterest expense to average assets	2.1668%	3,201
Loan and lease loss provision to assets	0.1900%	550
Net operating income to assets	0.9269%	2,767
Return on assets (ROA)	0.9269%	2,724
Pretax return on assets	1.2052%	2,411
Return on Equity (ROE)	10.5100%	2,630
Retained earnings to average equity (ytd only)	8.1518%	2,175
Net charge-offs to loans	-0.0021%	3,436
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	60.6426%	2,872
Assets per employee ($millions)	6.7850%	2,129
Cash dividends to net income (ytd only)*	22.4551%	1,924
Condition Ratios (%)
Loss allowance to loans	1.2628%	2,229
Loan loss allowance to noncurrent loans	8,712.7273%	188
Noncurrent assets plus other real estate owned to assets	0.0097%	3,774
Noncurrent loans to loans	0.0145%	3,710
Net loans and leases to total assets	65.7400%	2,084
Net loans and leases to deposits	73.4755%	2,337
Net loans and leases to core deposits	77.5356%	2,422
Total domestic deposits to total assets	89.4700%	1,352
Equity capital to assets	9.1599%	2,401
Core capital (leverage) ratio	10.5030%	2,232
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,020
Memoranda:
Average total assets	$576,515,500	1,562
Average earning assets	$555,882,000	1,501
Average equity	$50,835,500	1,593
Average total loans	$379,545,000	1,526
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1642%	3,879
Cost of funding earning assets	0.2294%	3,521
Net interest margin	2.9348%	3,602
Noninterest income to average assets	0.4800%	2,209
Noninterest expense to average assets	2.0069%	3,563
Loan and lease loss provision to assets	0.0600%	1,752
Net operating income to assets	0.9873%	2,616
Return on assets (ROA)	0.9828%	2,583
Pretax return on assets	1.2538%	2,265
Return on Equity (ROE)	11.1200%	2,435
Retained earnings to average equity (ytd only)	8.4461%	1,657
Net charge-offs to loans	0.0064%	2,179
Credit loss provision to net charge-offs	1,672.7273%	297
Earnings coverage of net charge-offs (x)	343.5000%	442
Efficiency ratio	60.0652%	3,051
Assets per employee ($millions)	6.7801%	2,138
Cash dividends to net income (ytd only)*	24.0685%	2,713
Condition Ratios (%)
Loss allowance to loans	1.2288%	2,253
Loan loss allowance to noncurrent loans	6,664.2857%	229
Noncurrent assets plus other real estate owned to assets	0.0120%	3,767
Noncurrent loans to loans	0.0184%	3,695
Net loans and leases to total assets	64.3100%	2,220
Net loans and leases to deposits	72.0967%	2,400
Net loans and leases to core deposits	75.7303%	2,441
Total domestic deposits to total assets	89.1900%	1,666
Equity capital to assets	8.4833%	2,716
Core capital (leverage) ratio	10.6823%	2,046
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,055
Memoranda:
Average total assets	$570,736,200	1,559
Average earning assets	$553,635,800	1,496
Average equity	$50,425,400	1,610
Average total loans	$345,420,200	1,561
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0606%	3,767
Cost of funding earning assets	0.1842%	3,462
Net interest margin	2.8763%	3,552
Noninterest income to average assets	0.4900%	2,220
Noninterest expense to average assets	1.9183%	3,706
Loan and lease loss provision to assets	0.0500%	1,750
Net operating income to assets	1.0278%	2,374
Return on assets (ROA)	1.0215%	2,377
Pretax return on assets	1.3071%	2,028
Return on Equity (ROE)	11.4400%	2,227
Retained earnings to average equity (ytd only)	9.0763%	1,622
Net charge-offs to loans	0.0103%	1,732
Credit loss provision to net charge-offs	896.1538%	441
Earnings coverage of net charge-offs (x)	224.3077%	583
Efficiency ratio	58.1542%	3,365
Assets per employee ($millions)	6.4382%	2,372
Cash dividends to net income (ytd only)*	20.6944%	2,441
Condition Ratios (%)
Loss allowance to loans	1.2242%	2,402
Loan loss allowance to noncurrent loans	5,085.3933%	271
Noncurrent assets plus other real estate owned to assets	0.0159%	3,806
Noncurrent loans to loans	0.0241%	3,731
Net loans and leases to total assets	65.2000%	1,961
Net loans and leases to deposits	72.7770%	2,147
Net loans and leases to core deposits	75.1525%	2,264
Total domestic deposits to total assets	89.5800%	1,841
Equity capital to assets	8.3523%	2,641
Core capital (leverage) ratio	10.5669%	2,052
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,120
Memoranda:
Average total assets	$567,647,750	1,576
Average earning assets	$551,476,000	1,505
Average equity	$50,665,500	1,635
Average total loans	$336,868,750	1,582
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9333%	3,713
Cost of funding earning assets	0.1521%	3,544
Net interest margin	2.7812%	3,494
Noninterest income to average assets	0.5002%	2,203
Noninterest expense to average assets	1.8746%	3,768
Loan and lease loss provision to assets	0.0379%	1,906
Net operating income to assets	1.0190%	2,090
Return on assets (ROA)	1.0215%	2,050
Pretax return on assets	1.2979%	1,758
Return on Equity (ROE)	11.2087%	1,919
Retained earnings to average equity (ytd only)	8.8992%	1,318
Net charge-offs to loans	0.0068%	1,753
Credit loss provision to net charge-offs	981.8182%	416
Earnings coverage of net charge-offs (x)	345.3636%	359
Efficiency ratio	58.2522%	3,525
Assets per employee ($millions)	6.1964%	2,568
Cash dividends to net income (ytd only)*	20.6044%	2,440
Condition Ratios (%)
Loss allowance to loans	1.2824%	2,271
Loan loss allowance to noncurrent loans	7,887.5000%	171
Noncurrent assets plus other real estate owned to assets	0.0100%	3,930
Noncurrent loans to loans	0.0163%	3,842
Net loans and leases to total assets	60.9709%	2,222
Net loans and leases to deposits	68.5733%	2,340
Net loans and leases to core deposits	70.3201%	2,470
Total domestic deposits to total assets	88.9134%	2,220
Equity capital to assets	8.8462%	2,503
Core capital (leverage) ratio	10.1849%	2,201
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$570,156,000	1,573
Average earning assets	$554,930,667	1,505
Average equity	$51,959,667	1,633
Average total loans	$325,921,667	1,612
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.8213%	3,709
Cost of funding earning assets	0.1432%	3,588
Net interest margin	2.6781%	3,453
Noninterest income to average assets	0.5128%	2,082
Noninterest expense to average assets	1.8876%	3,707
Loan and lease loss provision to assets	0.0250%	1,913
Net operating income to assets	0.9394%	2,113
Return on assets (ROA)	0.9410%	2,100
Pretax return on assets	1.2117%	1,763
Return on Equity (ROE)	10.1815%	1,894
Retained earnings to average equity (ytd only)	7.9290%	1,605
Net charge-offs to loans	0.0253%	1,065
Credit loss provision to net charge-offs	180.0000%	806
Earnings coverage of net charge-offs (x)	88.9500%	712
Efficiency ratio	60.2578%	3,458
Assets per employee ($millions)	6.8382%	2,112
Cash dividends to net income (ytd only)*	22.1239%	1,937
Condition Ratios (%)
Loss allowance to loans	1.3571%	2,084
Loan loss allowance to noncurrent loans	12,041.6667%	121
Noncurrent assets plus other real estate owned to assets	0.0063%	4,027
Noncurrent loans to loans	0.0113%	3,938
Net loans and leases to total assets	54.8551%	2,650
Net loans and leases to deposits	62.0275%	2,715
Net loans and leases to core deposits	63.4266%	2,847
Total domestic deposits to total assets	88.4367%	2,322
Equity capital to assets	8.8369%	2,854
Core capital (leverage) ratio	9.7950%	2,497
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$576,397,500	1,567
Average earning assets	$561,586,000	1,498
Average equity	$53,273,000	1,644
Average total loans	$316,665,000	1,630
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3924%	2,944
Cost of funding earning assets	0.1832%	3,620
Net interest margin	3.2092%	2,575
Noninterest income to average assets	0.5978%	2,165
Noninterest expense to average assets	2.1588%	3,205
Loan and lease loss provision to assets	0.0343%	2,372
Net operating income to assets	1.1846%	1,970
Return on assets (ROA)	1.1895%	2,019
Pretax return on assets	1.5459%	1,584
Return on Equity (ROE)	11.8508%	1,866
Retained earnings to average equity (ytd only)	9.3716%	1,080
Net charge-offs to loans	0.0047%	2,428
Credit loss provision to net charge-offs	1,240.0000%	457
Earnings coverage of net charge-offs (x)	569.2000%	250
Efficiency ratio	57.6621%	3,497
Assets per employee ($millions)	6.7254%	2,135
Cash dividends to net income (ytd only)*	20.9205%	2,980
Condition Ratios (%)
Loss allowance to loans	1.3759%	2,019
Loan loss allowance to noncurrent loans	18,778.2609%	94
Noncurrent assets plus other real estate owned to assets	0.0040%	4,138
Noncurrent loans to loans	0.0073%	4,051
Net loans and leases to total assets	53.5254%	2,907
Net loans and leases to deposits	60.7423%	3,011
Net loans and leases to core deposits	62.0752%	3,154
Total domestic deposits to total assets	88.1189%	1,982
Equity capital to assets	9.6452%	2,998
Core capital (leverage) ratio	9.7915%	2,583
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$542,475,200	1,593
Average earning assets	$529,919,000	1,517
Average equity	$54,451,800	1,647
Average total loans	$318,814,800	1,625
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5091%	2,807
Cost of funding earning assets	0.1940%	3,676
Net interest margin	3.3151%	2,371
Noninterest income to average assets	0.6095%	2,176
Noninterest expense to average assets	2.0451%	3,538
Loan and lease loss provision to assets	0.0420%	2,157
Net operating income to assets	1.3491%	1,696
Return on assets (ROA)	1.3510%	1,741
Pretax return on assets	1.7619%	1,250
Return on Equity (ROE)	13.3186%	1,609
Retained earnings to average equity (ytd only)	11.1013%	1,043
Net charge-offs to loans	0.0079%	2,023
Credit loss provision to net charge-offs	884.2105%	549
Earnings coverage of net charge-offs (x)	379.3684%	374
Efficiency ratio	52.9920%	3,922
Assets per employee ($millions)	6.4121%	2,326
Cash dividends to net income (ytd only)*	16.6482%	2,699
Condition Ratios (%)
Loss allowance to loans	1.3794%	2,108
Loan loss allowance to noncurrent loans	16,526.9231%	96
Noncurrent assets plus other real estate owned to assets	0.0082%	4,195
Noncurrent loans to loans	0.0083%	4,146
Net loans and leases to total assets	55.7110%	2,758
Net loans and leases to deposits	64.1628%	2,832
Net loans and leases to core deposits	65.5778%	2,993
Total domestic deposits to total assets	86.8276%	2,418
Equity capital to assets	10.1672%	2,742
Core capital (leverage) ratio	9.9812%	2,527
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$533,498,250	1,625
Average earning assets	$520,918,750	1,550
Average equity	$54,118,250	1,671
Average total loans	$320,043,250	1,654
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4708%	2,973
Cost of funding earning assets	0.2061%	3,688
Net interest margin	3.2647%	2,566
Noninterest income to average assets	0.6210%	2,126
Noninterest expense to average assets	2.0443%	3,562
Loan and lease loss provision to assets	0.0500%	2,033
Net operating income to assets	1.3123%	1,827
Return on assets (ROA)	1.3126%	1,899
Pretax return on assets	1.7160%	1,444
Return on Equity (ROE)	12.9496%	1,734
Retained earnings to average equity (ytd only)	10.7053%	1,193
Net charge-offs to loans	0.0062%	1,919
Credit loss provision to net charge-offs	1,320.0000%	389
Earnings coverage of net charge-offs (x)	465.7000%	280
Efficiency ratio	53.4780%	3,871
Assets per employee ($millions)	5.9105%	2,706
Cash dividends to net income (ytd only)*	17.3310%	2,621
Condition Ratios (%)
Loss allowance to loans	1.3295%	2,293
Loan loss allowance to noncurrent loans	14,236.6667%	87
Noncurrent assets plus other real estate owned to assets	0.0056%	4,278
Noncurrent loans to loans	0.0093%	4,194
Net loans and leases to total assets	58.9328%	2,549
Net loans and leases to deposits	67.3687%	2,687
Net loans and leases to core deposits	68.9697%	2,865
Total domestic deposits to total assets	87.4781%	2,103
Equity capital to assets	10.1622%	2,714
Core capital (leverage) ratio	9.8171%	2,581
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$527,517,667	1,633
Average earning assets	$515,271,667	1,559
Average equity	$53,469,000	1,677
Average total loans	$322,887,667	1,650
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3136%	3,411
Cost of funding earning assets	0.2220%	3,709
Net interest margin	3.0916%	3,017
Noninterest income to average assets	0.6050%	2,185
Noninterest expense to average assets	2.0293%	3,626
Loan and lease loss provision to assets	0.0505%	2,088
Net operating income to assets	1.1971%	2,159
Return on assets (ROA)	1.1977%	2,233
Pretax return on assets	1.5446%	1,871
Return on Equity (ROE)	11.8318%	2,081
Retained earnings to average equity (ytd only)	9.5623%	1,780
Net charge-offs to loans	-0.0247%	4,097
Credit loss provision to net charge-offs	-330.0000%	3,074
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	55.8115%	3,563
Assets per employee ($millions)	6.0146%	2,593
Cash dividends to net income (ytd only)*	19.1816%	2,032
Condition Ratios (%)
Loss allowance to loans	1.3084%	2,401
Loan loss allowance to noncurrent loans	15,681.4815%	59
Noncurrent assets plus other real estate owned to assets	0.0051%	4,366
Noncurrent loans to loans	0.0083%	4,279
Net loans and leases to total assets	60.3376%	2,498
Net loans and leases to deposits	69.0277%	2,599
Net loans and leases to core deposits	70.5377%	2,825
Total domestic deposits to total assets	87.4107%	2,133
Equity capital to assets	10.0317%	2,677
Core capital (leverage) ratio	9.9710%	2,563
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$522,347,500	1,626
Average earning assets	$510,023,000	1,564
Average equity	$52,874,500	1,686
Average total loans	$323,708,500	1,650
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7859%	3,340
Cost of funding earning assets	0.3068%	4,101
Net interest margin	3.4791%	2,533
Noninterest income to average assets	0.6397%	2,066
Noninterest expense to average assets	2.3098%	3,381
Loan and lease loss provision to assets	0.0481%	3,792
Net operating income to assets	1.2932%	1,268
Return on assets (ROA)	1.3100%	1,325
Pretax return on assets	1.6818%	887
Return on Equity (ROE)	12.2453%	1,248
Retained earnings to average equity (ytd only)	9.5481%	675
Net charge-offs to loans	0.0026%	3,295
Credit loss provision to net charge-offs	2,812.5000%	347
Earnings coverage of net charge-offs (x)	999.3750%	116
Efficiency ratio	57.2918%	3,817
Assets per employee ($millions)	5.8570%	2,492
Cash dividends to net income (ytd only)*	22.0264%	3,158
Condition Ratios (%)
Loss allowance to loans	1.2812%	2,510
Loan loss allowance to noncurrent loans	4,277.3196%	233
Noncurrent assets plus other real estate owned to assets	0.0188%	4,303
Noncurrent loans to loans	0.0300%	4,196
Net loans and leases to total assets	62.0237%	2,610
Net loans and leases to deposits	71.2441%	2,761
Net loans and leases to core deposits	72.6282%	3,024
Total domestic deposits to total assets	87.0580%	1,918
Equity capital to assets	10.2157%	2,920
Core capital (leverage) ratio	10.1917%	2,422
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$467,880,200	1,641
Average earning assets	$454,393,200	1,586
Average equity	$50,052,000	1,689
Average total loans	$306,105,000	1,661
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0014%	2,971
Cost of funding earning assets	0.3300%	4,154
Net interest margin	3.6714%	2,032
Noninterest income to average assets	0.5137%	2,547
Noninterest expense to average assets	2.1681%	3,754
Loan and lease loss provision to assets	0.0550%	3,664
Net operating income to assets	1.4384%	1,017
Return on assets (ROA)	1.4608%	1,060
Pretax return on assets	1.8815%	659
Return on Equity (ROE)	13.4837%	981
Retained earnings to average equity (ytd only)	11.0547%	564
Net charge-offs to loans	0.0040%	3,023
Credit loss provision to net charge-offs	2,088.8889%	459
Earnings coverage of net charge-offs (x)	725.1111%	167
Efficiency ratio	53.1884%	4,232
Assets per employee ($millions)	5.3963%	2,795
Cash dividends to net income (ytd only)*	18.0144%	2,880
Condition Ratios (%)
Loss allowance to loans	1.2644%	2,327
Loan loss allowance to noncurrent loans	802.7344%	715
Noncurrent assets plus other real estate owned to assets	0.1078%	3,894
Noncurrent loans to loans	0.1575%	3,753
Net loans and leases to total assets	67.5851%	2,299
Net loans and leases to deposits	78.2701%	2,508
Net loans and leases to core deposits	79.7809%	2,860
Total domestic deposits to total assets	86.3485%	1,919
Equity capital to assets	10.9554%	2,427
Core capital (leverage) ratio	10.4279%	2,310
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$455,997,000	1,658
Average earning assets	$442,469,500	1,600
Average equity	$49,401,750	1,700
Average total loans	$301,674,500	1,674
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2392%	2,638
Cost of funding earning assets	0.3610%	4,220
Net interest margin	3.8782%	1,626
Noninterest income to average assets	0.5217%	2,483
Noninterest expense to average assets	2.1463%	3,933
Loan and lease loss provision to assets	0.0529%	3,642
Net operating income to assets	1.6101%	746
Return on assets (ROA)	1.6442%	747
Pretax return on assets	2.1303%	412
Return on Equity (ROE)	15.2367%	677
Retained earnings to average equity (ytd only)	12.7639%	382
Net charge-offs to loans	0.0082%	2,654
Credit loss provision to net charge-offs	991.6667%	798
Earnings coverage of net charge-offs (x)	401.0000%	253
Efficiency ratio	50.0726%	4,504
Assets per employee ($millions)	5.5281%	2,611
Cash dividends to net income (ytd only)*	16.2294%	2,892
Condition Ratios (%)
Loss allowance to loans	1.2999%	2,000
Loan loss allowance to noncurrent loans	1,269.4969%	458
Noncurrent assets plus other real estate owned to assets	0.0669%	4,193
Noncurrent loans to loans	0.1024%	4,045
Net loans and leases to total assets	64.4751%	2,823
Net loans and leases to deposits	74.2354%	3,057
Net loans and leases to core deposits	75.5007%	3,329
Total domestic deposits to total assets	86.8522%	1,682
Equity capital to assets	10.6963%	2,577
Core capital (leverage) ratio	10.3963%	2,450
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$449,705,667	1,656
Average earning assets	$436,542,667	1,593
Average equity	$48,527,667	1,716
Average total loans	$293,882,000	1,691
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0795%	3,577
Cost of funding earning assets	0.4393%	4,202
Net interest margin	3.6402%	2,539
Noninterest income to average assets	0.5814%	2,121
Noninterest expense to average assets	2.2058%	3,994
Loan and lease loss provision to assets	0.0458%	3,203
Net operating income to assets	1.4352%	915
Return on assets (ROA)	1.5053%	844
Pretax return on assets	1.9467%	516
Return on Equity (ROE)	13.8835%	718
Retained earnings to average equity (ytd only)	11.3500%	507
Net charge-offs to loans	0.0266%	1,841
Credit loss provision to net charge-offs	263.1579%	1,257
Earnings coverage of net charge-offs (x)	109.4211%	543
Efficiency ratio	53.6765%	4,418
Assets per employee ($millions)	5.0507%	2,596
Cash dividends to net income (ytd only)*	18.2482%	2,371
Condition Ratios (%)
Loss allowance to loans	1.3835%	1,760
Loan loss allowance to noncurrent loans	1,715.1515%	343
Noncurrent assets plus other real estate owned to assets	0.0538%	4,323
Noncurrent loans to loans	0.0807%	4,189
Net loans and leases to total assets	65.7848%	2,844
Net loans and leases to deposits	75.8224%	3,088
Net loans and leases to core deposits	77.2804%	3,401
Total domestic deposits to total assets	86.7617%	1,665
Equity capital to assets	11.2714%	2,617
Core capital (leverage) ratio	10.8390%	2,612
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$436,849,500	1,659
Average earning assets	$423,387,500	1,584
Average equity	$47,365,500	1,748
Average total loans	$285,541,500	1,690
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1582%	3,911
Cost of funding earning assets	0.4669%	4,213
Net interest margin	3.6913%	2,837
Noninterest income to average assets	0.6700%	1,922
Noninterest expense to average assets	2.4157%	3,642
Loan and lease loss provision to assets	0.0351%	3,305
Net operating income to assets	1.3830%	1,399
Return on assets (ROA)	1.3830%	1,480
Pretax return on assets	1.7723%	1,015
Return on Equity (ROE)	13.3244%	1,068
Retained earnings to average equity (ytd only)	7.2256%	1,291
Net charge-offs to loans	0.0286%	2,826
Credit loss provision to net charge-offs	185.1852%	1,428
Earnings coverage of net charge-offs (x)	95.3827%	706
Efficiency ratio	57.2014%	4,064
Assets per employee ($millions)	5.0499%	2,525
Cash dividends to net income (ytd only)*	45.7713%	2,287
Condition Ratios (%)
Loss allowance to loans	1.3807%	1,589
Loan loss allowance to noncurrent loans	1,364.9306%	449
Noncurrent assets plus other real estate owned to assets	0.0648%	4,300
Noncurrent loans to loans	0.1012%	4,121
Net loans and leases to total assets	63.1810%	3,298
Net loans and leases to deposits	72.2944%	3,497
Net loans and leases to core deposits	73.6266%	3,748
Total domestic deposits to total assets	87.3940%	1,409
Equity capital to assets	10.4282%	3,513
Core capital (leverage) ratio	10.5883%	2,867
Tier 1 risk-based capital ratio	16.3584%	2,268
Total risk-based capital ratio	17.7676%	2,155
Memoranda:
Average total assets	$427,461,400	1,640
Average earning assets	$411,448,400	1,582
Average equity	$44,369,800	1,775
Average total loans	$283,055,800	1,676
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1793%	3,964
Cost of funding earning assets	0.4742%	4,247
Net interest margin	3.7051%	2,900
Noninterest income to average assets	0.6194%	2,108
Noninterest expense to average assets	2.2704%	4,029
Loan and lease loss provision to assets	0.0236%	3,426
Net operating income to assets	1.4583%	1,307
Return on assets (ROA)	1.4583%	1,359
Pretax return on assets	1.8873%	890
Return on Equity (ROE)	14.0663%	970
Retained earnings to average equity (ytd only)	8.5966%	1,171
Net charge-offs to loans	0.0203%	2,707
Credit loss provision to net charge-offs	174.4186%	1,466
Earnings coverage of net charge-offs (x)	141.0745%	566
Efficiency ratio	54.2982%	4,363
Assets per employee ($millions)	4.8689%	2,710
Cash dividends to net income (ytd only)*	38.8853%	2,208
Condition Ratios (%)
Loss allowance to loans	1.3529%	1,751
Loan loss allowance to noncurrent loans	751.5444%	712
Noncurrent assets plus other real estate owned to assets	0.1237%	4,104
Noncurrent loans to loans	0.1800%	3,886
Net loans and leases to total assets	67.7940%	2,815
Net loans and leases to deposits	78.7333%	3,032
Net loans and leases to core deposits	80.3811%	3,361
Total domestic deposits to total assets	86.1059%	1,947
Equity capital to assets	10.9786%	3,109
Core capital (leverage) ratio	10.8606%	2,783
Tier 1 risk-based capital ratio	16.0633%	2,403
Total risk-based capital ratio	17.3150%	2,348
Memoranda:
Average total assets	$423,228,500	1,668
Average earning assets	$406,885,500	1,601
Average equity	$43,876,750	1,804
Average total loans	$282,644,000	1,691
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0868%	4,197
Cost of funding earning assets	0.4717%	4,240
Net interest margin	3.6152%	3,207
Noninterest income to average assets	0.6079%	2,109
Noninterest expense to average assets	2.2749%	4,071
Loan and lease loss provision to assets	0.0000%	3,685
Net operating income to assets	1.4061%	1,421
Return on assets (ROA)	1.4061%	1,474
Pretax return on assets	1.8233%	982
Return on Equity (ROE)	13.8308%	1,017
Retained earnings to average equity (ytd only)	8.2725%	1,288
Net charge-offs to loans	0.0085%	2,835
Credit loss provision to net charge-offs	0.0000%	2,725
Earnings coverage of net charge-offs (x)	322.6667%	245
Efficiency ratio	55.5096%	4,304
Assets per employee ($millions)	4.7373%	2,823
Cash dividends to net income (ytd only)*	40.1875%	2,199
Condition Ratios (%)
Loss allowance to loans	1.3393%	1,856
Loan loss allowance to noncurrent loans	703.8391%	763
Noncurrent assets plus other real estate owned to assets	0.1312%	4,099
Noncurrent loans to loans	0.1903%	3,873
Net loans and leases to total assets	68.0340%	2,808
Net loans and leases to deposits	78.2968%	3,130
Net loans and leases to core deposits	79.9237%	3,428
Total domestic deposits to total assets	86.8925%	1,644
Equity capital to assets	10.7392%	3,316
Core capital (leverage) ratio	10.4904%	3,106
Tier 1 risk-based capital ratio	15.7949%	2,504
Total risk-based capital ratio	17.0464%	2,436
Memoranda:
Average total assets	$424,730,330	1,658
Average earning assets	$410,047,000	1,592
Average equity	$43,179,000	1,823
Average total loans	$280,938,000	1,707
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9859%	4,395
Cost of funding earning assets	0.4611%	4,240
Net interest margin	3.5248%	3,518
Noninterest income to average assets	0.5823%	2,131
Noninterest expense to average assets	2.2302%	4,187
Loan and lease loss provision to assets	0.0000%	3,406
Net operating income to assets	1.3559%	1,506
Return on assets (ROA)	1.3559%	1,549
Pretax return on assets	1.7543%	1,088
Return on Equity (ROE)	13.7129%	1,028
Retained earnings to average equity (ytd only)	8.0503%	1,638
Net charge-offs to loans	-0.0115%	4,280
Credit loss provision to net charge-offs	0.0000%	2,210
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	55.9719%	4,338
Assets per employee ($millions)	4.9824%	2,546
Cash dividends to net income (ytd only)*	41.2939%	1,880
Condition Ratios (%)
Loss allowance to loans	1.4003%	1,674
Loan loss allowance to noncurrent loans	1,619.2469%	396
Noncurrent assets plus other real estate owned to assets	0.0564%	4,537
Noncurrent loans to loans	0.0865%	4,364
Net loans and leases to total assets	64.3458%	3,243
Net loans and leases to deposits	73.6617%	3,476
Net loans and leases to core deposits	75.1611%	3,721
Total domestic deposits to total assets	87.3530%	1,639
Equity capital to assets	10.1884%	3,636
Core capital (leverage) ratio	10.1937%	3,391
Tier 1 risk-based capital ratio	16.1440%	2,376
Total risk-based capital ratio	17.3965%	2,331
Memoranda:
Average total assets	$428,653,500	1,639
Average earning assets	$413,754,000	1,579
Average equity	$42,383,500	1,837
Average total loans	$277,670,500	1,729
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8130%	4,458
Cost of funding earning assets	0.3864%	4,072
Net interest margin	3.4265%	3,919
Noninterest income to average assets	0.6389%	2,105
Noninterest expense to average assets	2.3688%	3,960
Loan and lease loss provision to assets	0.0429%	3,327
Net operating income to assets	1.1957%	2,190
Return on assets (ROA)	1.1957%	2,187
Pretax return on assets	1.5260%	1,691
Return on Equity (ROE)	12.4016%	1,579
Retained earnings to average equity (ytd only)	5.9609%	2,217
Net charge-offs to loans	0.0130%	3,251
Credit loss provision to net charge-offs	500.0000%	689
Earnings coverage of net charge-offs (x)	182.7500%	480
Efficiency ratio	60.1563%	3,832
Assets per employee ($millions)	5.2266%	2,236
Cash dividends to net income (ytd only)*	51.9346%	1,868
Condition Ratios (%)
Loss allowance to loans	1.3844%	1,703
Loan loss allowance to noncurrent loans	807.9498%	736
Noncurrent assets plus other real estate owned to assets	0.1102%	4,282
Noncurrent loans to loans	0.1713%	3,980
Net loans and leases to total assets	63.4164%	3,414
Net loans and leases to deposits	72.5964%	3,616
Net loans and leases to core deposits	73.9859%	3,856
Total domestic deposits to total assets	87.3547%	1,610
Equity capital to assets	9.5939%	4,052
Core capital (leverage) ratio	10.3087%	3,241
Tier 1 risk-based capital ratio	15.6535%	2,551
Total risk-based capital ratio	16.9058%	2,478
Memoranda:
Average total assets	$419,330,800	1,631
Average earning assets	$403,701,800	1,572
Average equity	$40,430,200	1,842
Average total loans	$277,785,000	1,683
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8091%	4,416
Cost of funding earning assets	0.3721%	4,036
Net interest margin	3.4370%	3,904
Noninterest income to average assets	0.6289%	2,170
Noninterest expense to average assets	2.2146%	4,286
Loan and lease loss provision to assets	0.0577%	2,824
Net operating income to assets	1.2945%	1,881
Return on assets (ROA)	1.2945%	1,882
Pretax return on assets	1.6655%	1,364
Return on Equity (ROE)	13.4084%	1,295
Retained earnings to average equity (ytd only)	7.4285%	1,914
Net charge-offs to loans	0.0144%	2,909
Credit loss provision to net charge-offs	600.0000%	592
Earnings coverage of net charge-offs (x)	179.0955%	480
Efficiency ratio	56.2388%	4,357
Assets per employee ($millions)	4.8254%	2,687
Cash dividends to net income (ytd only)*	44.5986%	1,838
Condition Ratios (%)
Loss allowance to loans	1.3719%	1,807
Loan loss allowance to noncurrent loans	573.7389%	958
Noncurrent assets plus other real estate owned to assets	0.1683%	4,113
Noncurrent loans to loans	0.2391%	3,841
Net loans and leases to total assets	69.4104%	2,737
Net loans and leases to deposits	80.2054%	3,017
Net loans and leases to core deposits	82.0119%	3,325
Total domestic deposits to total assets	86.5409%	1,954
Equity capital to assets	10.2225%	3,429
Core capital (leverage) ratio	10.3580%	3,225
Tier 1 risk-based capital ratio	15.4073%	2,687
Total risk-based capital ratio	16.6595%	2,616
Memoranda:
Average total assets	$415,712,000	1,652
Average earning assets	$400,226,000	1,596
Average equity	$40,133,000	1,852
Average total loans	$277,489,750	1,693
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6886%	4,612
Cost of funding earning assets	0.3529%	4,056
Net interest margin	3.3357%	4,143
Noninterest income to average assets	0.6122%	2,260
Noninterest expense to average assets	2.1812%	4,410
Loan and lease loss provision to assets	0.0642%	2,619
Net operating income to assets	1.2320%	2,052
Return on assets (ROA)	1.2320%	2,049
Pretax return on assets	1.5833%	1,556
Return on Equity (ROE)	13.0044%	1,371
Retained earnings to average equity (ytd only)	6.9839%	2,078
Net charge-offs to loans	0.0138%	2,679
Credit loss provision to net charge-offs	710.5263%	550
Earnings coverage of net charge-offs (x)	182.4211%	450
Efficiency ratio	56.9708%	4,366
Assets per employee ($millions)	4.7854%	2,699
Cash dividends to net income (ytd only)*	46.2963%	1,838
Condition Ratios (%)
Loss allowance to loans	1.3683%	1,864
Loan loss allowance to noncurrent loans	645.2862%	896
Noncurrent assets plus other real estate owned to assets	0.1427%	4,276
Noncurrent loans to loans	0.2120%	3,962
Net loans and leases to total assets	66.3644%	3,086
Net loans and leases to deposits	75.4697%	3,395
Net loans and leases to core deposits	77.1534%	3,650
Total domestic deposits to total assets	87.9351%	1,417
Equity capital to assets	9.6913%	3,925
Core capital (leverage) ratio	9.9553%	3,624
Tier 1 risk-based capital ratio	15.2513%	2,757
Total risk-based capital ratio	16.5035%	2,684
Memoranda:
Average total assets	$420,779,670	1,637
Average earning assets	$405,734,670	1,588
Average equity	$39,863,330	1,866
Average total loans	$276,032,330	1,710
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5736%	4,758
Cost of funding earning assets	0.3323%	4,121
Net interest margin	3.2413%	4,334
Noninterest income to average assets	0.5986%	2,267
Noninterest expense to average assets	2.1853%	4,452
Loan and lease loss provision to assets	0.0851%	2,100
Net operating income to assets	1.1357%	2,263
Return on assets (ROA)	1.1357%	2,278
Pretax return on assets	1.4553%	1,820
Return on Equity (ROE)	12.1249%	1,535
Retained earnings to average equity (ytd only)	6.0675%	2,681
Net charge-offs to loans	-0.0146%	4,406
Credit loss provision to net charge-offs	-900.0000%	4,142
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	58.6548%	4,270
Assets per employee ($millions)	4.9127%	2,590
Cash dividends to net income (ytd only)*	49.9584%	1,517
Condition Ratios (%)
Loss allowance to loans	1.3985%	1,847
Loan loss allowance to noncurrent loans	323.7489%	1,564
Noncurrent assets plus other real estate owned to assets	0.2823%	3,730
Noncurrent loans to loans	0.4320%	3,238
Net loans and leases to total assets	64.4469%	3,248
Net loans and leases to deposits	73.2366%	3,491
Net loans and leases to core deposits	74.7139%	3,762
Total domestic deposits to total assets	87.9983%	1,623
Equity capital to assets	9.4899%	4,101
Core capital (leverage) ratio	9.8608%	3,698
Tier 1 risk-based capital ratio	15.3503%	2,717
Total risk-based capital ratio	16.6029%	2,655
Memoranda:
Average total assets	$423,003,000	1,642
Average earning assets	$408,106,500	1,592
Average equity	$39,621,000	1,885
Average total loans	$273,983,500	1,722
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5921%	4,589
Cost of funding earning assets	0.2883%	4,239
Net interest margin	3.3038%	4,152
Noninterest income to average assets	0.7335%	1,829
Noninterest expense to average assets	2.2041%	4,524
Loan and lease loss provision to assets	0.0958%	2,292
Net operating income to assets	1.0412%	2,087
Return on assets (ROA)	1.0349%	2,135
Pretax return on assets	1.6067%	1,266
Return on Equity (ROE)	10.9917%	1,489
Retained earnings to average equity (ytd only)	4.6242%	2,376
Net charge-offs to loans	0.1059%	2,009
Credit loss provision to net charge-offs	139.3728%	1,899
Earnings coverage of net charge-offs (x)	24.8990%	1,736
Efficiency ratio	56.2775%	4,742
Assets per employee ($millions)	4.9817%	2,502
Cash dividends to net income (ytd only)*	57.9301%	1,854
Condition Ratios (%)
Loss allowance to loans	1.3515%	1,962
Loan loss allowance to noncurrent loans	1,457.6471%	455
Noncurrent assets plus other real estate owned to assets	0.0595%	4,824
Noncurrent loans to loans	0.0927%	4,576
Net loans and leases to total assets	63.3285%	3,450
Net loans and leases to deposits	71.8371%	3,718
Net loans and leases to core deposits	73.2440%	3,948
Total domestic deposits to total assets	88.1557%	1,405
Equity capital to assets	9.2464%	4,477
Core capital (leverage) ratio	9.7778%	3,718
Tier 1 risk-based capital ratio	15.1221%	2,786
Total risk-based capital ratio	16.3741%	2,720
Memoranda:
Average total assets	$417,320,000	1,645
Average earning assets	$402,052,600	1,592
Average equity	$39,293,400	1,886
Average total loans	$271,018,800	1,708
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5913%	4,585
Cost of funding earning assets	0.2827%	4,291
Net interest margin	3.3086%	4,141
Noninterest income to average assets	0.7558%	1,755
Noninterest expense to average assets	2.0871%	4,762
Loan and lease loss provision to assets	0.0965%	2,171
Net operating income to assets	1.2112%	1,646
Return on assets (ROA)	1.2103%	1,684
Pretax return on assets	1.7593%	981
Return on Equity (ROE)	12.7947%	1,101
Retained earnings to average equity (ytd only)	6.6745%	1,859
Net charge-offs to loans	0.0286%	2,862
Credit loss provision to net charge-offs	517.2414%	614
Earnings coverage of net charge-offs (x)	99.5535%	692
Efficiency ratio	52.9153%	5,023
Assets per employee ($millions)	4.7347%	2,783
Cash dividends to net income (ytd only)*	47.8342%	1,874
Condition Ratios (%)
Loss allowance to loans	1.3890%	1,944
Loan loss allowance to noncurrent loans	1,086.4407%	570
Noncurrent assets plus other real estate owned to assets	0.0975%	4,751
Noncurrent loans to loans	0.1278%	4,546
Net loans and leases to total assets	67.0573%	2,976
Net loans and leases to deposits	77.4650%	3,230
Net loans and leases to core deposits	79.1705%	3,524
Total domestic deposits to total assets	86.5647%	2,064
Equity capital to assets	9.9327%	3,987
Core capital (leverage) ratio	9.9841%	3,584
Tier 1 risk-based capital ratio	15.0342%	2,899
Total risk-based capital ratio	16.2866%	2,829
Memoranda:
Average total assets	$414,543,750	1,666
Average earning assets	$399,473,750	1,610
Average equity	$39,213,250	1,905
Average total loans	$270,015,500	1,720
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4856%	4,803
Cost of funding earning assets	0.2727%	4,353
Net interest margin	3.2129%	4,379
Noninterest income to average assets	0.7918%	1,601
Noninterest expense to average assets	2.0686%	4,835
Loan and lease loss provision to assets	0.0935%	2,119
Net operating income to assets	1.2067%	1,571
Return on assets (ROA)	1.2067%	1,604
Pretax return on assets	1.7266%	998
Return on Equity (ROE)	12.9681%	1,042
Retained earnings to average equity (ytd only)	6.7830%	1,695
Net charge-offs to loans	0.0321%	2,555
Credit loss provision to net charge-offs	453.4884%	715
Earnings coverage of net charge-offs (x)	88.2558%	709
Efficiency ratio	53.1944%	5,081
Assets per employee ($millions)	4.4861%	3,129
Cash dividends to net income (ytd only)*	47.6948%	1,958
Condition Ratios (%)
Loss allowance to loans	1.3712%	2,083
Loan loss allowance to noncurrent loans	1,055.0562%	563
Noncurrent assets plus other real estate owned to assets	0.0887%	4,837
Noncurrent loans to loans	0.1300%	4,604
Net loans and leases to total assets	65.4577%	3,185
Net loans and leases to deposits	75.2085%	3,434
Net loans and leases to core deposits	76.7569%	3,702
Total domestic deposits to total assets	87.0349%	1,934
Equity capital to assets	9.6645%	4,261
Core capital (leverage) ratio	9.6442%	3,966
Tier 1 risk-based capital ratio	14.9563%	2,945
Total risk-based capital ratio	16.2086%	2,881
Memoranda:
Average total assets	$416,998,330	1,659
Average earning assets	$401,942,330	1,608
Average equity	$38,803,000	1,924
Average total loans	$267,724,000	1,731
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3498%	5,029
Cost of funding earning assets	0.2613%	4,443
Net interest margin	3.0884%	4,686
Noninterest income to average assets	0.6394%	2,228
Noninterest expense to average assets	2.0098%	5,034
Loan and lease loss provision to assets	0.0716%	2,373
Net operating income to assets	1.0345%	2,147
Return on assets (ROA)	1.0345%	2,199
Pretax return on assets	1.5355%	1,422
Return on Equity (ROE)	11.3327%	1,454
Retained earnings to average equity (ytd only)	5.0600%	2,856
Net charge-offs to loans	0.0438%	1,955
Credit loss provision to net charge-offs	258.6207%	865
Earnings coverage of net charge-offs (x)	58.0690%	821
Efficiency ratio	55.5673%	4,983
Assets per employee ($millions)	4.9322%	2,534
Cash dividends to net income (ytd only)*	55.3506%	1,546
Condition Ratios (%)
Loss allowance to loans	1.3828%	2,150
Loan loss allowance to noncurrent loans	572.9984%	950
Noncurrent assets plus other real estate owned to assets	0.1689%	4,575
Noncurrent loans to loans	0.2413%	4,243
Net loans and leases to total assets	62.0895%	3,524
Net loans and leases to deposits	70.9960%	3,696
Net loans and leases to core deposits	72.4550%	3,951
Total domestic deposits to total assets	87.4550%	2,013
Equity capital to assets	9.2137%	4,604
Core capital (leverage) ratio	9.4328%	4,195
Tier 1 risk-based capital ratio	15.1150%	2,916
Total risk-based capital ratio	16.3674%	2,846
Memoranda:
Average total assets	$419,139,000	1,663
Average earning assets	$404,088,000	1,613
Average equity	$38,261,000	1,951
Average total loans	$264,630,500	1,757
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5838%	4,556
Cost of funding earning assets	0.2634%	4,433
Net interest margin	3.3203%	4,084
Noninterest income to average assets	0.6887%	2,223
Noninterest expense to average assets	2.2187%	4,731
Loan and lease loss provision to assets	0.1052%	2,293
Net operating income to assets	1.0474%	2,150
Return on assets (ROA)	1.0474%	2,254
Pretax return on assets	1.5533%	1,419
Return on Equity (ROE)	11.1936%	1,509
Retained earnings to average equity (ytd only)	4.5617%	2,660
Net charge-offs to loans	0.2890%	956
Credit loss provision to net charge-offs	54.4987%	3,327
Earnings coverage of net charge-offs (x)	8.5951%	2,856
Efficiency ratio	57.2251%	4,931
Assets per employee ($millions)	4.7619%	2,703
Cash dividends to net income (ytd only)*	59.2470%	1,826
Condition Ratios (%)
Loss allowance to loans	1.3584%	2,269
Loan loss allowance to noncurrent loans	412.8293%	1,232
Noncurrent assets plus other real estate owned to assets	0.2179%	4,437
Noncurrent loans to loans	0.3290%	3,962
Net loans and leases to total assets	62.4533%	3,555
Net loans and leases to deposits	71.1316%	3,800
Net loans and leases to core deposits	72.4859%	4,054
Total domestic deposits to total assets	87.7996%	1,744
Equity capital to assets	9.0432%	4,771
Core capital (leverage) ratio	9.5224%	4,052
Tier 1 risk-based capital ratio	14.8726%	3,021
Total risk-based capital ratio	16.1246%	2,957
Memoranda:
Average total assets	$403,206,200	1,668
Average earning assets	$387,189,800	1,614
Average equity	$37,727,000	1,938
Average total loans	$269,238,800	1,681
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6402%	4,433
Cost of funding earning assets	0.2646%	4,451
Net interest margin	3.3756%	3,935
Noninterest income to average assets	0.7030%	2,153
Noninterest expense to average assets	2.1370%	4,918
Loan and lease loss provision to assets	0.0414%	3,406
Net operating income to assets	1.1812%	1,701
Return on assets (ROA)	1.1812%	1,806
Pretax return on assets	1.7663%	963
Return on Equity (ROE)	12.5139%	1,168
Retained earnings to average equity (ytd only)	6.1455%	2,097
Net charge-offs to loans	0.0656%	2,402
Credit loss provision to net charge-offs	93.2331%	2,484
Earnings coverage of net charge-offs (x)	40.6990%	1,226
Efficiency ratio	54.1737%	5,228
Assets per employee ($millions)	4.6050%	2,918
Cash dividends to net income (ytd only)*	50.8906%	1,840
Condition Ratios (%)
Loss allowance to loans	1.4681%	1,897
Loan loss allowance to noncurrent loans	538.0109%	989
Noncurrent assets plus other real estate owned to assets	0.1853%	4,695
Noncurrent loans to loans	0.2729%	4,285
Net loans and leases to total assets	66.9213%	2,968
Net loans and leases to deposits	76.8247%	3,306
Net loans and leases to core deposits	78.3845%	3,624
Total domestic deposits to total assets	87.1091%	1,850
Equity capital to assets	9.7409%	4,424
Core capital (leverage) ratio	9.6609%	3,985
Tier 1 risk-based capital ratio	14.7662%	3,158
Total risk-based capital ratio	16.0197%	3,098
Memoranda:
Average total assets	$399,247,000	1,690
Average earning assets	$383,409,500	1,632
Average equity	$37,685,000	1,952
Average total loans	$270,221,000	1,670
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6140%	4,552
Cost of funding earning assets	0.2630%	4,517
Net interest margin	3.3510%	4,054
Noninterest income to average assets	0.6919%	2,181
Noninterest expense to average assets	2.1003%	5,058
Loan and lease loss provision to assets	0.0445%	3,263
Net operating income to assets	1.1796%	1,670
Return on assets (ROA)	1.1796%	1,764
Pretax return on assets	1.7616%	956
Return on Equity (ROE)	12.6298%	1,125
Retained earnings to average equity (ytd only)	6.2106%	2,011
Net charge-offs to loans	0.0975%	1,868
Credit loss provision to net charge-offs	67.4242%	2,500
Earnings coverage of net charge-offs (x)	27.3864%	1,459
Efficiency ratio	53.7665%	5,331
Assets per employee ($millions)	4.4587%	3,106
Cash dividends to net income (ytd only)*	50.8259%	1,925
Condition Ratios (%)
Loss allowance to loans	1.4510%	2,062
Loan loss allowance to noncurrent loans	228.1469%	2,041
Noncurrent assets plus other real estate owned to assets	0.4324%	3,779
Noncurrent loans to loans	0.6360%	3,170
Net loans and leases to total assets	67.0073%	2,941
Net loans and leases to deposits	76.8799%	3,284
Net loans and leases to core deposits	78.4264%	3,614
Total domestic deposits to total assets	87.1584%	1,831
Equity capital to assets	9.6029%	4,668
Core capital (leverage) ratio	9.4842%	4,229
Tier 1 risk-based capital ratio	14.4796%	3,330
Total risk-based capital ratio	15.7329%	3,258
Memoranda:
Average total assets	$400,319,000	1,687
Average earning assets	$384,009,670	1,629
Average equity	$37,387,670	1,970
Average total loans	$270,635,330	1,670
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5655%	4,724
Cost of funding earning assets	0.2617%	4,594
Net interest margin	3.3039%	4,206
Noninterest income to average assets	0.6785%	2,143
Noninterest expense to average assets	2.0444%	5,236
Loan and lease loss provision to assets	0.0587%	2,783
Net operating income to assets	1.1710%	1,642
Return on assets (ROA)	1.1710%	1,749
Pretax return on assets	1.7410%	967
Return on Equity (ROE)	12.7147%	1,100
Retained earnings to average equity (ytd only)	6.2331%	2,266
Net charge-offs to loans	0.0679%	1,809
Credit loss provision to net charge-offs	128.2609%	1,369
Earnings coverage of net charge-offs (x)	39.3261%	1,015
Efficiency ratio	53.1832%	5,444
Assets per employee ($millions)	4.6206%	2,858
Cash dividends to net income (ytd only)*	50.9771%	1,716
Condition Ratios (%)
Loss allowance to loans	1.4734%	2,099
Loan loss allowance to noncurrent loans	492.0694%	1,032
Noncurrent assets plus other real estate owned to assets	0.2256%	4,656
Noncurrent loans to loans	0.2994%	4,356
Net loans and leases to total assets	67.6095%	2,711
Net loans and leases to deposits	77.4005%	3,067
Net loans and leases to core deposits	79.1693%	3,397
Total domestic deposits to total assets	87.3503%	2,027
Equity capital to assets	9.5218%	4,648
Core capital (leverage) ratio	9.3313%	4,454
Tier 1 risk-based capital ratio	14.2126%	3,558
Total risk-based capital ratio	15.4659%	3,488
Memoranda:
Average total assets	$402,065,000	1,676
Average earning assets	$385,243,500	1,626
Average equity	$37,028,000	1,987
Average total loans	$271,044,000	1,663
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6621%	4,483
Cost of funding earning assets	0.2633%	4,663
Net interest margin	3.3987%	3,920
Noninterest income to average assets	0.7761%	1,879
Noninterest expense to average assets	2.3118%	4,751
Loan and lease loss provision to assets	0.0951%	2,417
Net operating income to assets	1.0833%	1,994
Return on assets (ROA)	1.0833%	2,060
Pretax return on assets	1.6185%	1,195
Return on Equity (ROE)	12.1235%	1,271
Retained earnings to average equity (ytd only)	5.8033%	1,890
Net charge-offs to loans	0.0850%	2,618
Credit loss provision to net charge-offs	162.6609%	1,651
Earnings coverage of net charge-offs (x)	29.3004%	1,479
Efficiency ratio	57.4297%	5,203
Assets per employee ($millions)	4.6734%	2,770
Cash dividends to net income (ytd only)*	52.1316%	2,185
Condition Ratios (%)
Loss allowance to loans	1.4521%	2,202
Loan loss allowance to noncurrent loans	500.3793%	1,048
Noncurrent assets plus other real estate owned to assets	0.2030%	4,778
Noncurrent loans to loans	0.2902%	4,421
Net loans and leases to total assets	65.3164%	3,080
Net loans and leases to deposits	74.1749%	3,472
Net loans and leases to core deposits	75.5203%	3,797
Total domestic deposits to total assets	88.0573%	1,599
Equity capital to assets	8.8763%	5,243
Core capital (leverage) ratio	9.2121%	4,595
Tier 1 risk-based capital ratio	13.7247%	3,876
Total risk-based capital ratio	14.9781%	3,802
Memoranda:
Average total assets	$398,397,200	1,654
Average earning assets	$380,876,000	1,606
Average equity	$35,600,400	2,001
Average total loans	$274,111,400	1,598
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6863%	4,459
Cost of funding earning assets	0.2700%	4,668
Net interest margin	3.4163%	3,888
Noninterest income to average assets	0.7716%	1,924
Noninterest expense to average assets	2.1822%	5,097
Loan and lease loss provision to assets	0.1225%	1,858
Net operating income to assets	1.1613%	1,794
Return on assets (ROA)	1.1613%	1,859
Pretax return on assets	1.7322%	1,026
Return on Equity (ROE)	12.9733%	1,128
Retained earnings to average equity (ytd only)	7.1387%	1,625
Net charge-offs to loans	0.0529%	2,851
Credit loss provision to net charge-offs	333.0275%	884
Earnings coverage of net charge-offs (x)	50.4311%	1,043
Efficiency ratio	54.0577%	5,508
Assets per employee ($millions)	4.3377%	3,263
Cash dividends to net income (ytd only)*	44.9739%	2,091
Condition Ratios (%)
Loss allowance to loans	1.4839%	2,221
Loan loss allowance to noncurrent loans	400.5911%	1,258
Noncurrent assets plus other real estate owned to assets	0.2793%	4,653
Noncurrent loans to loans	0.3704%	4,288
Net loans and leases to total assets	70.7170%	2,280
Net loans and leases to deposits	81.1814%	2,744
Net loans and leases to core deposits	82.7089%	3,175
Total domestic deposits to total assets	87.1098%	1,975
Equity capital to assets	9.5157%	4,732
Core capital (leverage) ratio	9.3382%	4,531
Tier 1 risk-based capital ratio	13.5802%	4,095
Total risk-based capital ratio	14.8337%	4,018
Memoranda:
Average total assets	$395,180,750	1,683
Average earning assets	$377,708,500	1,623
Average equity	$35,374,250	2,023
Average total loans	$274,494,250	1,601
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6144%	4,682
Cost of funding earning assets	0.2725%	4,690
Net interest margin	3.3419%	4,135
Noninterest income to average assets	0.7461%	2,012
Noninterest expense to average assets	2.1147%	5,308
Loan and lease loss provision to assets	0.1366%	1,603
Net operating income to assets	1.1329%	1,827
Return on assets (ROA)	1.1329%	1,910
Pretax return on assets	1.6924%	1,097
Return on Equity (ROE)	12.9157%	1,133
Retained earnings to average equity (ytd only)	7.5076%	1,473
Net charge-offs to loans	0.0604%	2,524
Credit loss provision to net charge-offs	328.9157%	875
Earnings coverage of net charge-offs (x)	44.0361%	1,053
Efficiency ratio	53.6226%	5,614
Assets per employee ($millions)	4.1588%	3,551
Cash dividends to net income (ytd only)*	41.8728%	2,314
Condition Ratios (%)
Loss allowance to loans	1.4537%	2,492
Loan loss allowance to noncurrent loans	643.4084%	821
Noncurrent assets plus other real estate owned to assets	0.1737%	5,183
Noncurrent loans to loans	0.2259%	4,874
Net loans and leases to total assets	69.3992%	2,426
Net loans and leases to deposits	79.0094%	2,905
Net loans and leases to core deposits	80.7249%	3,303
Total domestic deposits to total assets	87.8366%	1,737
Equity capital to assets	9.1104%	5,138
Core capital (leverage) ratio	8.9685%	5,014
Tier 1 risk-based capital ratio	13.3147%	4,338
Total risk-based capital ratio	14.5677%	4,265
Memoranda:
Average total assets	$399,669,000	1,673
Average earning assets	$382,412,330	1,614
Average equity	$35,058,000	2,048
Average total loans	$274,657,670	1,603
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5055%	4,947
Cost of funding earning assets	0.2776%	4,697
Net interest margin	3.2278%	4,492
Noninterest income to average assets	0.6821%	2,246
Noninterest expense to average assets	2.1325%	5,314
Loan and lease loss provision to assets	0.1515%	1,345
Net operating income to assets	0.9930%	2,298
Return on assets (ROA)	0.9930%	2,428
Pretax return on assets	1.4830%	1,616
Return on Equity (ROE)	11.5355%	1,469
Retained earnings to average equity (ytd only)	6.3601%	2,305
Net charge-offs to loans	-0.0087%	4,668
Credit loss provision to net charge-offs	-2,550.0000%	5,173
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	56.6097%	5,474
Assets per employee ($millions)	4.5710%	2,938
Cash dividends to net income (ytd only)*	44.8654%	1,897
Condition Ratios (%)
Loss allowance to loans	1.4462%	2,699
Loan loss allowance to noncurrent loans	522.5000%	980
Noncurrent assets plus other real estate owned to assets	0.2039%	5,142
Noncurrent loans to loans	0.2768%	4,792
Net loans and leases to total assets	68.0464%	2,433
Net loans and leases to deposits	77.6154%	2,861
Net loans and leases to core deposits	79.5049%	3,225
Total domestic deposits to total assets	87.6713%	2,001
Equity capital to assets	8.8321%	5,465
Core capital (leverage) ratio	8.6750%	5,346
Tier 1 risk-based capital ratio	13.1481%	4,532
Total risk-based capital ratio	14.4011%	4,435
Memoranda:
Average total assets	$404,039,500	1,655
Average earning assets	$386,139,500	1,604
Average equity	$34,779,500	2,080
Average total loans	$274,335,000	1,598
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6861%	4,829
Cost of funding earning assets	0.3314%	4,475
Net interest margin	3.3547%	4,390
Noninterest income to average assets	0.7718%	1,985
Noninterest expense to average assets	2.2966%	5,121
Loan and lease loss provision to assets	0.1389%	1,904
Net operating income to assets	1.0303%	2,264
Return on assets (ROA)	1.0303%	2,336
Pretax return on assets	1.5330%	1,431
Return on Equity (ROE)	12.0331%	1,397
Retained earnings to average equity (ytd only)	7.2030%	1,316
Net charge-offs to loans	0.1229%	2,799
Credit loss provision to net charge-offs	163.6364%	1,484
Earnings coverage of net charge-offs (x)	19.7000%	1,766
Efficiency ratio	57.8705%	5,472
Assets per employee ($millions)	4.7173%	2,699
Cash dividends to net income (ytd only)*	40.1398%	2,842
Condition Ratios (%)
Loss allowance to loans	1.3908%	2,991
Loan loss allowance to noncurrent loans	512.3656%	1,052
Noncurrent assets plus other real estate owned to assets	0.2100%	5,182
Noncurrent loans to loans	0.2714%	4,878
Net loans and leases to total assets	65.8579%	2,906
Net loans and leases to deposits	75.6956%	3,234
Net loans and leases to core deposits	77.4917%	3,565
Total domestic deposits to total assets	87.0036%	2,284
Equity capital to assets	8.3907%	5,835
Core capital (leverage) ratio	8.8226%	5,223
Tier 1 risk-based capital ratio	12.2985%	5,153
Total risk-based capital ratio	13.5501%	5,069
Memoranda:
Average total assets	$388,837,000	1,684
Average earning assets	$370,523,400	1,627
Average equity	$33,291,600	2,088
Average total loans	$268,530,000	1,585
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7015%	4,851
Cost of funding earning assets	0.3445%	4,401
Net interest margin	3.3570%	4,401
Noninterest income to average assets	0.7646%	2,035
Noninterest expense to average assets	2.1990%	5,353
Loan and lease loss provision to assets	0.1408%	1,774
Net operating income to assets	1.0877%	2,083
Return on assets (ROA)	1.0877%	2,153
Pretax return on assets	1.6235%	1,250
Return on Equity (ROE)	12.6360%	1,313
Retained earnings to average equity (ytd only)	7.7642%	1,462
Net charge-offs to loans	0.1517%	2,276
Credit loss provision to net charge-offs	133.2237%	1,745
Earnings coverage of net charge-offs (x)	16.6909%	1,950
Efficiency ratio	55.4834%	5,707
Assets per employee ($millions)	4.3360%	3,237
Cash dividends to net income (ytd only)*	38.5550%	2,411
Condition Ratios (%)
Loss allowance to loans	1.3463%	3,412
Loan loss allowance to noncurrent loans	493.0759%	978
Noncurrent assets plus other real estate owned to assets	0.2851%	5,130
Noncurrent loans to loans	0.2730%	5,090
Net loans and leases to total assets	72.7676%	1,722
Net loans and leases to deposits	84.9700%	2,033
Net loans and leases to core deposits	87.2275%	2,511
Total domestic deposits to total assets	85.6392%	3,049
Equity capital to assets	9.1223%	5,233
Core capital (leverage) ratio	8.8738%	5,228
Tier 1 risk-based capital ratio	12.0161%	5,473
Total risk-based capital ratio	13.2671%	5,390
Memoranda:
Average total assets	$383,445,000	1,721
Average earning assets	$365,359,250	1,657
Average equity	$33,005,500	2,112
Average total loans	$267,138,500	1,600
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6381%	5,046
Cost of funding earning assets	0.3520%	4,415
Net interest margin	3.2860%	4,642
Noninterest income to average assets	0.7386%	2,099
Noninterest expense to average assets	2.1351%	5,549
Loan and lease loss provision to assets	0.1395%	1,776
Net operating income to assets	1.0564%	2,095
Return on assets (ROA)	1.0564%	2,173
Pretax return on assets	1.5903%	1,278
Return on Equity (ROE)	12.5136%	1,305
Retained earnings to average equity (ytd only)	7.5915%	1,481
Net charge-offs to loans	0.0234%	3,731
Credit loss provision to net charge-offs	870.9677%	377
Earnings coverage of net charge-offs (x)	107.9677%	527
Efficiency ratio	55.2420%	5,815
Assets per employee ($millions)	4.4007%	3,086
Cash dividends to net income (ytd only)*	39.3346%	2,430
Condition Ratios (%)
Loss allowance to loans	1.4422%	3,141
Loan loss allowance to noncurrent loans	339.6110%	1,355
Noncurrent assets plus other real estate owned to assets	0.3554%	4,961
Noncurrent loans to loans	0.4247%	4,722
Net loans and leases to total assets	69.3562%	2,178
Net loans and leases to deposits	80.0954%	2,502
Net loans and leases to core deposits	82.1640%	2,956
Total domestic deposits to total assets	86.5920%	2,706
Equity capital to assets	8.8051%	5,517
Core capital (leverage) ratio	8.5397%	5,595
Tier 1 risk-based capital ratio	12.1555%	5,451
Total risk-based capital ratio	13.4074%	5,363
Memoranda:
Average total assets	$386,960,670	1,702
Average earning assets	$368,163,330	1,647
Average equity	$32,668,330	2,120
Average total loans	$264,500,670	1,603
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5708%	5,242
Cost of funding earning assets	0.3648%	4,382
Net interest margin	3.2059%	4,904
Noninterest income to average assets	0.7229%	2,071
Noninterest expense to average assets	2.1278%	5,621
Loan and lease loss provision to assets	0.1380%	1,761
Net operating income to assets	1.0020%	2,202
Return on assets (ROA)	1.0020%	2,261
Pretax return on assets	1.5030%	1,420
Return on Equity (ROE)	12.1210%	1,380
Retained earnings to average equity (ytd only)	7.1489%	1,955
Net charge-offs to loans	0.0531%	2,640
Credit loss provision to net charge-offs	385.7143%	667
Earnings coverage of net charge-offs (x)	45.8571%	807
Efficiency ratio	56.4569%	5,801
Assets per employee ($millions)	4.4836%	2,994
Cash dividends to net income (ytd only)*	41.0204%	1,957
Condition Ratios (%)
Loss allowance to loans	1.4113%	3,547
Loan loss allowance to noncurrent loans	286.5325%	1,552
Noncurrent assets plus other real estate owned to assets	0.4603%	4,761
Noncurrent loans to loans	0.4925%	4,681
Net loans and leases to total assets	67.0690%	2,382
Net loans and leases to deposits	77.3977%	2,641
Net loans and leases to core deposits	79.4158%	3,044
Total domestic deposits to total assets	86.6550%	3,012
Equity capital to assets	8.4872%	5,668
Core capital (leverage) ratio	8.3210%	5,828
Tier 1 risk-based capital ratio	12.0266%	5,628
Total risk-based capital ratio	13.2781%	5,558
Memoranda:
Average total assets	$391,210,000	1,705
Average earning assets	$371,685,500	1,642
Average equity	$32,340,500	2,131
Average total loans	$263,587,000	1,616
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7650%	4,924
Cost of funding earning assets	0.4133%	4,500
Net interest margin	3.3517%	4,476
Noninterest income to average assets	0.8007%	2,077
Noninterest expense to average assets	2.3356%	5,271
Loan and lease loss provision to assets	0.2312%	1,563
Net operating income to assets	0.9384%	2,610
Return on assets (ROA)	0.9384%	2,691
Pretax return on assets	1.4211%	1,716
Return on Equity (ROE)	11.6841%	1,527
Retained earnings to average equity (ytd only)	6.5569%	1,649
Net charge-offs to loans	0.1065%	3,765
Credit loss provision to net charge-offs	327.2727%	701
Earnings coverage of net charge-offs (x)	23.3891%	1,410
Efficiency ratio	58.5674%	5,667
Assets per employee ($millions)	4.5094%	2,884
Cash dividends to net income (ytd only)*	43.8817%	2,616
Condition Ratios (%)
Loss allowance to loans	1.3600%	3,841
Loan loss allowance to noncurrent loans	230.3069%	1,868
Noncurrent assets plus other real estate owned to assets	0.4947%	4,754
Noncurrent loans to loans	0.5905%	4,509
Net loans and leases to total assets	65.8364%	2,712
Net loans and leases to deposits	75.6176%	3,005
Net loans and leases to core deposits	78.0420%	3,359
Total domestic deposits to total assets	87.0650%	2,690
Equity capital to assets	8.0526%	5,978
Core capital (leverage) ratio	8.2904%	5,887
Tier 1 risk-based capital ratio	11.7125%	5,798
Total risk-based capital ratio	12.9634%	5,731
Memoranda:
Average total assets	$389,284,000	1,693
Average earning assets	$370,170,600	1,634
Average equity	$31,264,800	2,170
Average total loans	$258,221,000	1,606
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7908%	4,890
Cost of funding earning assets	0.4290%	4,515
Net interest margin	3.3618%	4,426
Noninterest income to average assets	0.8102%	2,098
Noninterest expense to average assets	2.2216%	5,552
Loan and lease loss provision to assets	0.2185%	1,666
Net operating income to assets	1.0408%	2,222
Return on assets (ROA)	1.0408%	2,304
Pretax return on assets	1.5684%	1,421
Return on Equity (ROE)	12.9675%	1,243
Retained earnings to average equity (ytd only)	7.8174%	1,493
Net charge-offs to loans	0.0702%	3,927
Credit loss provision to net charge-offs	470.3704%	569
Earnings coverage of net charge-offs (x)	38.4583%	1,035
Efficiency ratio	55.4220%	5,981
Assets per employee ($millions)	4.3118%	3,204
Cash dividends to net income (ytd only)*	39.7155%	2,295
Condition Ratios (%)
Loss allowance to loans	1.3154%	4,310
Loan loss allowance to noncurrent loans	199.3693%	1,992
Noncurrent assets plus other real estate owned to assets	0.5310%	4,853
Noncurrent loans to loans	0.6598%	4,550
Net loans and leases to total assets	70.3468%	1,906
Net loans and leases to deposits	81.5339%	2,197
Net loans and leases to core deposits	84.3028%	2,620
Total domestic deposits to total assets	86.2792%	3,089
Equity capital to assets	8.5314%	5,701
Core capital (leverage) ratio	8.2836%	5,989
Tier 1 risk-based capital ratio	11.6550%	5,979
Total risk-based capital ratio	12.9056%	5,936
Memoranda:
Average total assets	$387,397,750	1,709
Average earning assets	$368,568,750	1,645
Average equity	$31,092,250	2,206
Average total loans	$256,561,250	1,615
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7529%	4,981
Cost of funding earning assets	0.4357%	4,596
Net interest margin	3.3172%	4,500
Noninterest income to average assets	0.7238%	2,529
Noninterest expense to average assets	2.1806%	5,679
Loan and lease loss provision to assets	0.1883%	2,009
Net operating income to assets	1.0022%	2,317
Return on assets (ROA)	1.0022%	2,459
Pretax return on assets	1.5133%	1,578
Return on Equity (ROE)	12.7398%	1,306
Retained earnings to average equity (ytd only)	7.5701%	1,640
Net charge-offs to loans	0.0732%	3,665
Credit loss provision to net charge-offs	397.8495%	662
Earnings coverage of net charge-offs (x)	35.9462%	1,002
Efficiency ratio	56.1689%	5,945
Assets per employee ($millions)	4.1476%	3,476
Cash dividends to net income (ytd only)*	40.5790%	2,229
Condition Ratios (%)
Loss allowance to loans	1.2626%	4,682
Loan loss allowance to noncurrent loans	237.8655%	1,710
Noncurrent assets plus other real estate owned to assets	0.4433%	5,170
Noncurrent loans to loans	0.5308%	4,936
Net loans and leases to total assets	65.9736%	2,601
Net loans and leases to deposits	76.0065%	2,875
Net loans and leases to core deposits	78.6443%	3,208
Total domestic deposits to total assets	86.8000%	2,940
Equity capital to assets	8.0832%	6,143
Core capital (leverage) ratio	7.8736%	6,263
Tier 1 risk-based capital ratio	11.6601%	6,025
Total risk-based capital ratio	12.8973%	5,984
Memoranda:
Average total assets	$392,924,670	1,688
Average earning assets	$374,112,330	1,623
Average equity	$30,911,000	2,228
Average total loans	$253,970,000	1,635
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7559%	4,973
Cost of funding earning assets	0.4439%	4,662
Net interest margin	3.3120%	4,475
Noninterest income to average assets	0.7102%	2,538
Noninterest expense to average assets	2.1910%	5,712
Loan and lease loss provision to assets	0.1715%	2,145
Net operating income to assets	0.9906%	2,267
Return on assets (ROA)	0.9906%	2,388
Pretax return on assets	1.4940%	1,571
Return on Equity (ROE)	12.7628%	1,224
Retained earnings to average equity (ytd only)	7.6031%	1,897
Net charge-offs to loans	0.1412%	2,558
Credit loss provision to net charge-offs	191.0112%	1,133
Earnings coverage of net charge-offs (x)	18.5506%	1,259
Efficiency ratio	56.8140%	5,987
Assets per employee ($millions)	4.3009%	3,338
Cash dividends to net income (ytd only)*	40.4277%	1,839
Condition Ratios (%)
Loss allowance to loans	1.2201%	5,094
Loan loss allowance to noncurrent loans	300.3929%	1,321
Noncurrent assets plus other real estate owned to assets	0.4369%	5,288
Noncurrent loans to loans	0.4062%	5,404
Net loans and leases to total assets	63.2573%	2,840
Net loans and leases to deposits	72.8512%	3,077
Net loans and leases to core deposits	75.4980%	3,388
Total domestic deposits to total assets	86.8308%	3,059
Equity capital to assets	7.9446%	6,411
Core capital (leverage) ratio	7.6692%	6,374
Tier 1 risk-based capital ratio	11.7224%	6,076
Total risk-based capital ratio	12.9119%	6,080
Memoranda:
Average total assets	$396,523,500	1,686
Average earning assets	$376,686,500	1,623
Average equity	$30,777,000	2,254
Average total loans	$252,089,000	1,653
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0191%	5,245
Cost of funding earning assets	0.5629%	4,704
Net interest margin	3.4562%	4,686
Noninterest income to average assets	0.8722%	1,952
Noninterest expense to average assets	2.4989%	5,096
Loan and lease loss provision to assets	0.1449%	3,798
Net operating income to assets	0.9981%	2,340
Return on assets (ROA)	1.0029%	2,547
Pretax return on assets	1.5035%	1,666
Return on Equity (ROE)	11.9319%	1,529
Retained earnings to average equity (ytd only)	5.9456%	2,105
Net charge-offs to loans	0.1509%	4,182
Credit loss provision to net charge-offs	145.5587%	1,877
Earnings coverage of net charge-offs (x)	16.4871%	1,575
Efficiency ratio	60.3583%	5,492
Assets per employee ($millions)	4.5644%	2,854
Cash dividends to net income (ytd only)*	50.1706%	2,300
Condition Ratios (%)
Loss allowance to loans	1.1742%	5,241
Loan loss allowance to noncurrent loans	261.3696%	1,467
Noncurrent assets plus other real estate owned to assets	0.4312%	5,412
Noncurrent loans to loans	0.4492%	5,382
Net loans and leases to total assets	62.3816%	3,194
Net loans and leases to deposits	70.9140%	3,572
Net loans and leases to core deposits	73.3312%	3,873
Total domestic deposits to total assets	87.9680%	2,257
Equity capital to assets	7.5835%	6,602
Core capital (leverage) ratio	7.9823%	6,210
Tier 1 risk-based capital ratio	11.3180%	6,208
Total risk-based capital ratio	12.4582%	6,231
Memoranda:
Average total assets	$350,587,600	1,849
Average earning assets	$331,494,200	1,786
Average equity	$29,467,200	2,282
Average total loans	$231,257,600	1,759
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0956%	5,204
Cost of funding earning assets	0.5980%	4,673
Net interest margin	3.4976%	4,656
Noninterest income to average assets	0.8537%	2,009
Noninterest expense to average assets	2.4036%	5,389
Loan and lease loss provision to assets	0.1223%	4,021
Net operating income to assets	1.1020%	2,081
Return on assets (ROA)	1.1087%	2,246
Pretax return on assets	1.6458%	1,428
Return on Equity (ROE)	12.8178%	1,385
Retained earnings to average equity (ytd only)	4.7685%	3,547
Net charge-offs to loans	0.0992%	4,391
Credit loss provision to net charge-offs	184.5238%	1,504
Earnings coverage of net charge-offs (x)	26.5184%	1,210
Efficiency ratio	57.7525%	5,825
Assets per employee ($millions)	3.9503%	3,972
Cash dividends to net income (ytd only)*	62.7981%	1,171
Condition Ratios (%)
Loss allowance to loans	1.2193%	5,197
Loan loss allowance to noncurrent loans	176.6110%	1,965
Noncurrent assets plus other real estate owned to assets	0.5407%	5,327
Noncurrent loans to loans	0.6904%	5,059
Net loans and leases to total assets	68.2093%	2,263
Net loans and leases to deposits	79.0453%	2,527
Net loans and leases to core deposits	82.2642%	2,932
Total domestic deposits to total assets	86.2914%	3,095
Equity capital to assets	8.4830%	6,277
Core capital (leverage) ratio	8.4326%	5,852
Tier 1 risk-based capital ratio	11.7363%	6,088
Total risk-based capital ratio	12.9255%	6,109
Memoranda:
Average total assets	$337,818,750	1,931
Average earning assets	$319,524,750	1,877
Average equity	$29,219,000	2,321
Average total loans	$225,686,750	1,817
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0899%	5,357
Cost of funding earning assets	0.6226%	4,696
Net interest margin	3.4673%	4,809
Noninterest income to average assets	0.8246%	2,080
Noninterest expense to average assets	2.3995%	5,467
Loan and lease loss provision to assets	0.0864%	4,505
Net operating income to assets	1.0889%	2,078
Return on assets (ROA)	1.0989%	2,276
Pretax return on assets	1.6295%	1,460
Return on Equity (ROE)	12.6200%	1,468
Retained earnings to average equity (ytd only)	4.0596%	3,906
Net charge-offs to loans	0.0636%	4,541
Credit loss provision to net charge-offs	205.7143%	1,383
Earnings coverage of net charge-offs (x)	40.4857%	861
Efficiency ratio	58.5187%	5,799
Assets per employee ($millions)	3.8287%	4,249
Cash dividends to net income (ytd only)*	67.8318%	1,146
Condition Ratios (%)
Loss allowance to loans	1.2929%	4,917
Loan loss allowance to noncurrent loans	304.7418%	1,179
Noncurrent assets plus other real estate owned to assets	0.2870%	6,052
Noncurrent loans to loans	0.4243%	5,686
Net loans and leases to total assets	65.5299%	2,765
Net loans and leases to deposits	76.4203%	2,926
Net loans and leases to core deposits	78.6740%	3,420
Total domestic deposits to total assets	85.7493%	3,485
Equity capital to assets	8.7239%	5,999
Core capital (leverage) ratio	8.7964%	5,220
Tier 1 risk-based capital ratio	12.2741%	5,745
Total risk-based capital ratio	13.5086%	5,727
Memoranda:
Average total assets	$333,233,670	1,954
Average earning assets	$314,824,000	1,894
Average equity	$29,017,330	2,321
Average total loans	$219,993,670	1,855
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1483%	5,280
Cost of funding earning assets	0.6543%	4,688
Net interest margin	3.4940%	4,734
Noninterest income to average assets	0.8232%	2,052
Noninterest expense to average assets	2.3960%	5,486
Loan and lease loss provision to assets	0.0869%	4,295
Net operating income to assets	1.0996%	2,085
Return on assets (ROA)	1.0996%	2,276
Pretax return on assets	1.6343%	1,471
Return on Equity (ROE)	12.6398%	1,500
Retained earnings to average equity (ytd only)	2.6501%	4,934
Net charge-offs to loans	-0.0037%	5,757
Credit loss provision to net charge-offs	-3,600.0000%	6,157
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	58.1941%	5,888
Assets per employee ($millions)	3.9093%	4,183
Cash dividends to net income (ytd only)*	79.0340%	823
Condition Ratios (%)
Loss allowance to loans	1.3329%	4,868
Loan loss allowance to noncurrent loans	275.1665%	1,221
Noncurrent assets plus other real estate owned to assets	0.3163%	6,101
Noncurrent loans to loans	0.4844%	5,701
Net loans and leases to total assets	64.4275%	2,778
Net loans and leases to deposits	74.1470%	3,107
Net loans and leases to core deposits	76.3339%	3,579
Total domestic deposits to total assets	86.8916%	3,023
Equity capital to assets	8.7150%	5,857
Core capital (leverage) ratio	8.6820%	5,330
Tier 1 risk-based capital ratio	12.5267%	5,583
Total risk-based capital ratio	13.7772%	5,550
Memoranda:
Average total assets	$331,388,500	1,967
Average earning assets	$312,417,500	1,914
Average equity	$28,829,500	2,333
Average total loans	$218,151,500	1,871
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5427%	4,904
Cost of funding earning assets	0.7677%	5,078
Net interest margin	3.7750%	3,953
Noninterest income to average assets	0.9408%	1,533
Noninterest expense to average assets	2.8056%	4,326
Loan and lease loss provision to assets	0.1306%	4,986
Net operating income to assets	1.0393%	2,046
Return on assets (ROA)	1.0393%	2,192
Pretax return on assets	1.5747%	1,267
Return on Equity (ROE)	11.3787%	1,592
Retained earnings to average equity (ytd only)	0.6053%	5,560
Net charge-offs to loans	0.1495%	4,947
Credit loss provision to net charge-offs	127.6398%	2,433
Earnings coverage of net charge-offs (x)	16.6677%	1,311
Efficiency ratio	62.1962%	5,428
Assets per employee ($millions)	3.7133%	4,526
Cash dividends to net income (ytd only)*	94.6805%	431
Condition Ratios (%)
Loss allowance to loans	1.2849%	4,997
Loan loss allowance to noncurrent loans	227.2581%	1,465
Noncurrent assets plus other real estate owned to assets	0.3752%	6,038
Noncurrent loans to loans	0.5654%	5,582
Net loans and leases to total assets	65.5115%	2,877
Net loans and leases to deposits	75.5675%	3,246
Net loans and leases to core deposits	77.8631%	3,699
Total domestic deposits to total assets	86.6927%	2,919
Equity capital to assets	8.6842%	5,917
Core capital (leverage) ratio	8.7998%	5,106
Tier 1 risk-based capital ratio	12.4088%	5,526
Total risk-based capital ratio	13.6503%	5,510
Memoranda:
Average total assets	$314,732,600	2,043
Average earning assets	$297,644,800	1,970
Average equity	$28,746,600	2,286
Average total loans	$215,350,600	1,908
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6182%	4,795
Cost of funding earning assets	0.7870%	5,236
Net interest margin	3.8311%	3,713
Noninterest income to average assets	0.9614%	1,445
Noninterest expense to average assets	2.7975%	4,355
Loan and lease loss provision to assets	0.1038%	5,146
Net operating income to assets	1.1278%	1,888
Return on assets (ROA)	1.1278%	2,010
Pretax return on assets	1.6915%	1,162
Return on Equity (ROE)	12.1887%	1,493
Retained earnings to average equity (ytd only)	1.7757%	5,253
Net charge-offs to loans	0.0510%	5,470
Credit loss provision to net charge-offs	295.1220%	971
Earnings coverage of net charge-offs (x)	51.0369%	635
Efficiency ratio	60.9098%	5,575
Assets per employee ($millions)	3.6013%	4,758
Cash dividends to net income (ytd only)*	85.4316%	510
Condition Ratios (%)
Loss allowance to loans	1.3334%	4,855
Loan loss allowance to noncurrent loans	229.2857%	1,373
Noncurrent assets plus other real estate owned to assets	0.3976%	6,086
Noncurrent loans to loans	0.5815%	5,713
Net loans and leases to total assets	67.4559%	2,581
Net loans and leases to deposits	78.6339%	2,867
Net loans and leases to core deposits	81.0520%	3,477
Total domestic deposits to total assets	85.7848%	3,337
Equity capital to assets	9.1829%	5,538
Core capital (leverage) ratio	9.1027%	4,785
Tier 1 risk-based capital ratio	12.4560%	5,529
Total risk-based capital ratio	13.7062%	5,523
Memoranda:
Average total assets	$310,794,000	2,068
Average earning assets	$294,595,750	1,992
Average equity	$28,758,250	2,285
Average total loans	$214,357,000	1,933
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6325%	4,834
Cost of funding earning assets	0.7964%	5,392
Net interest margin	3.8361%	3,614
Noninterest income to average assets	0.9580%	1,437
Noninterest expense to average assets	2.9383%	3,870
Loan and lease loss provision to assets	0.1056%	4,986
Net operating income to assets	1.0520%	2,030
Return on assets (ROA)	1.0520%	2,126
Pretax return on assets	1.5520%	1,375
Return on Equity (ROE)	11.3393%	1,687
Retained earnings to average equity (ytd only)	1.2778%	5,339
Net charge-offs to loans	0.0403%	5,287
Credit loss provision to net charge-offs	379.0698%	794
Earnings coverage of net charge-offs (x)	59.5116%	547
Efficiency ratio	63.9323%	5,253
Assets per employee ($millions)	3.3999%	5,199
Cash dividends to net income (ytd only)*	88.7315%	620
Condition Ratios (%)
Loss allowance to loans	1.3313%	4,919
Loan loss allowance to noncurrent loans	359.2686%	892
Noncurrent assets plus other real estate owned to assets	0.2535%	6,495
Noncurrent loans to loans	0.3706%	6,165
Net loans and leases to total assets	67.5078%	2,712
Net loans and leases to deposits	79.2349%	2,934
Net loans and leases to core deposits	81.3159%	3,605
Total domestic deposits to total assets	85.1996%	3,782
Equity capital to assets	9.2126%	5,259
Core capital (leverage) ratio	8.9945%	4,732
Tier 1 risk-based capital ratio	12.6070%	5,251
Total risk-based capital ratio	13.8572%	5,221
Memoranda:
Average total assets	$308,753,670	2,085
Average earning assets	$292,800,000	2,017
Average equity	$28,643,670	2,270
Average total loans	$213,587,000	1,965
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5662%	5,098
Cost of funding earning assets	0.7762%	5,704
Net interest margin	3.7900%	3,664
Noninterest income to average assets	0.9655%	1,420
Noninterest expense to average assets	3.0522%	3,450
Loan and lease loss provision to assets	0.1343%	4,327
Net operating income to assets	0.9733%	2,270
Return on assets (ROA)	0.9733%	2,336
Pretax return on assets	1.4288%	1,652
Return on Equity (ROE)	10.8731%	1,785
Retained earnings to average equity (ytd only)	-0.4349%	5,874
Net charge-offs to loans	0.1709%	3,459
Credit loss provision to net charge-offs	115.0000%	2,345
Earnings coverage of net charge-offs (x)	13.3833%	1,443
Efficiency ratio	66.1324%	5,015
Assets per employee ($millions)	4.1892%	3,471
Cash dividends to net income (ytd only)*	104.0000%	563
Condition Ratios (%)
Loss allowance to loans	1.1999%	5,636
Loan loss allowance to noncurrent loans	278.7625%	1,090
Noncurrent assets plus other real estate owned to assets	0.3147%	6,412
Noncurrent loans to loans	0.4304%	6,143
Net loans and leases to total assets	66.8695%	2,795
Net loans and leases to deposits	78.8259%	2,924
Net loans and leases to core deposits	81.0761%	3,597
Total domestic deposits to total assets	84.8319%	4,118
Equity capital to assets	8.9578%	5,270
Core capital (leverage) ratio	8.6132%	5,247
Tier 1 risk-based capital ratio	12.4650%	5,296
Total risk-based capital ratio	13.6235%	5,361
Memoranda:
Average total assets	$205,492,000	3,042
Average earning assets	$197,889,000	2,914
Average equity	$18,394,000	3,341
Average total loans	$140,421,000	2,876
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8923%	5,072
Cost of funding earning assets	0.9048%	6,158
Net interest margin	3.9874%	3,073
Noninterest income to average assets	1.0548%	1,346
Noninterest expense to average assets	2.6184%	5,340
Loan and lease loss provision to assets	0.2412%	4,872
Net operating income to assets	1.3247%	1,115
Return on assets (ROA)	1.3318%	1,174
Pretax return on assets	2.0415%	445
Return on Equity (ROE)	14.4777%	799
Retained earnings to average equity (ytd only)	1.2867%	4,906
Net charge-offs to loans	0.2364%	4,868
Credit loss provision to net charge-offs	147.8659%	2,473
Earnings coverage of net charge-offs (x)	13.9268%	1,377
Efficiency ratio	53.5442%	6,846
Assets per employee ($millions)	4.1982%	3,388
Cash dividends to net income (ytd only)*	91.1128%	543
Condition Ratios (%)
Loss allowance to loans	1.1683%	5,647
Loan loss allowance to noncurrent loans	533.1190%	607
Noncurrent assets plus other real estate owned to assets	0.1512%	6,852
Noncurrent loans to loans	0.2192%	6,626
Net loans and leases to total assets	68.1791%	2,941
Net loans and leases to deposits	80.4354%	3,088
Net loans and leases to core deposits	82.4352%	3,834
Total domestic deposits to total assets	84.7626%	3,965
Equity capital to assets	8.9446%	5,216
Core capital (leverage) ratio	8.9242%	4,654
Tier 1 risk-based capital ratio	12.2582%	5,247
Total risk-based capital ratio	13.3901%	5,325
Memoranda:
Average total assets	$201,080,200	3,086
Average earning assets	$193,407,200	2,958
Average equity	$18,497,400	3,353
Average total loans	$138,736,200	2,974
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9416%	5,074
Cost of funding earning assets	0.9373%	6,235
Net interest margin	4.0043%	3,088
Noninterest income to average assets	1.0364%	1,349
Noninterest expense to average assets	2.5269%	5,615
Loan and lease loss provision to assets	0.2608%	4,499
Net operating income to assets	1.3710%	1,167
Return on assets (ROA)	1.3805%	1,228
Pretax return on assets	2.1154%	486
Return on Equity (ROE)	14.9010%	880
Retained earnings to average equity (ytd only)	3.0954%	4,271
Net charge-offs to loans	0.1846%	4,846
Credit loss provision to net charge-offs	204.7120%	1,732
Earnings coverage of net charge-offs (x)	18.5393%	1,254
Efficiency ratio	51.6917%	7,012
Assets per employee ($millions)	4.0614%	3,713
Cash dividends to net income (ytd only)*	79.2270%	671
Condition Ratios (%)
Loss allowance to loans	1.1993%	5,500
Loan loss allowance to noncurrent loans	1,069.8113%	350
Noncurrent assets plus other real estate owned to assets	0.1421%	6,997
Noncurrent loans to loans	0.1121%	6,961
Net loans and leases to total assets	71.8822%	2,276
Net loans and leases to deposits	85.9838%	2,349
Net loans and leases to core deposits	88.2716%	3,334
Total domestic deposits to total assets	83.5997%	4,320
Equity capital to assets	9.6426%	4,635
Core capital (leverage) ratio	9.1335%	4,478
Tier 1 risk-based capital ratio	12.4936%	4,990
Total risk-based capital ratio	13.6647%	5,032
Memoranda:
Average total assets	$199,922,500	3,139
Average earning assets	$192,323,000	3,008
Average equity	$18,521,750	3,388
Average total loans	$137,942,750	3,022
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8521%	5,600
Cost of funding earning assets	0.9576%	6,348
Net interest margin	3.8944%	3,471
Noninterest income to average assets	1.0309%	1,279
Noninterest expense to average assets	2.4784%	5,803
Loan and lease loss provision to assets	0.3195%	3,827
Net operating income to assets	1.2987%	1,310
Return on assets (ROA)	1.2987%	1,370
Pretax return on assets	1.9813%	620
Return on Equity (ROE)	14.2054%	998
Retained earnings to average equity (ytd only)	2.9192%	4,274
Net charge-offs to loans	0.2664%	4,009
Credit loss provision to net charge-offs	176.9231%	2,214
Earnings coverage of net charge-offs (x)	12.7418%	1,654
Efficiency ratio	51.8580%	7,089
Assets per employee ($millions)	4.0842%	3,601
Cash dividends to net income (ytd only)*	79.4500%	777
Condition Ratios (%)
Loss allowance to loans	1.1736%	5,582
Loan loss allowance to noncurrent loans	735.8744%	453
Noncurrent assets plus other real estate owned to assets	0.1134%	7,105
Noncurrent loans to loans	0.1595%	6,943
Net loans and leases to total assets	69.0472%	3,121
Net loans and leases to deposits	82.5031%	3,183
Net loans and leases to core deposits	84.8998%	4,007
Total domestic deposits to total assets	83.6904%	4,250
Equity capital to assets	9.2741%	5,042
Core capital (leverage) ratio	8.8339%	4,858
Tier 1 risk-based capital ratio	12.5071%	4,855
Total risk-based capital ratio	13.6482%	4,930
Memoranda:
Average total assets	$201,580,670	3,142
Average earning assets	$194,020,000	3,019
Average equity	$18,429,670	3,387
Average total loans	$136,645,670	3,075
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8417%	5,718
Cost of funding earning assets	0.9766%	6,488
Net interest margin	3.8651%	3,483
Noninterest income to average assets	0.9807%	1,363
Noninterest expense to average assets	2.4557%	5,890
Loan and lease loss provision to assets	0.2353%	4,159
Net operating income to assets	1.3247%	1,236
Return on assets (ROA)	1.3247%	1,310
Pretax return on assets	2.0068%	598
Return on Equity (ROE)	14.5934%	942
Retained earnings to average equity (ytd only)	3.2672%	4,184
Net charge-offs to loans	0.1333%	4,154
Credit loss provision to net charge-offs	264.4444%	1,488
Earnings coverage of net charge-offs (x)	25.2000%	988
Efficiency ratio	52.2727%	7,125
Assets per employee ($millions)	4.1670%	3,519
Cash dividends to net income (ytd only)*	77.6119%	889
Condition Ratios (%)
Loss allowance to loans	1.1751%	5,632
Loan loss allowance to noncurrent loans	272.4913%	1,078
Noncurrent assets plus other real estate owned to assets	0.3205%	6,675
Noncurrent loans to loans	0.4312%	6,437
Net loans and leases to total assets	66.2245%	3,801
Net loans and leases to deposits	79.1204%	3,818
Net loans and leases to core deposits	81.4268%	4,566
Total domestic deposits to total assets	83.7010%	4,302
Equity capital to assets	9.2227%	4,959
Core capital (leverage) ratio	8.7753%	4,894
Tier 1 risk-based capital ratio	12.9551%	4,369
Total risk-based capital ratio	14.0970%	4,416
Memoranda:
Average total assets	$202,307,500	3,191
Average earning assets	$194,560,000	3,068
Average equity	$18,364,500	3,425
Average total loans	$135,057,000	3,160
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4588%	4,397
Cost of funding earning assets	1.1801%	6,731
Net interest margin	4.2787%	1,783
Noninterest income to average assets	1.0261%	1,484
Noninterest expense to average assets	2.6367%	5,639
Loan and lease loss provision to assets	0.1779%	5,918
Net operating income to assets	1.5368%	624
Return on assets (ROA)	1.5425%	659
Pretax return on assets	2.3425%	205
Return on Equity (ROE)	16.5746%	495
Retained earnings to average equity (ytd only)	1.9387%	3,738
Net charge-offs to loans	0.2130%	5,291
Credit loss provision to net charge-offs	119.8630%	4,472
Earnings coverage of net charge-offs (x)	16.9247%	1,222
Efficiency ratio	51.2142%	7,454
Assets per employee ($millions)	4.3531%	3,185
Cash dividends to net income (ytd only)*	88.3031%	900
Condition Ratios (%)
Loss allowance to loans	1.1030%	5,884
Loan loss allowance to noncurrent loans	479.5527%	689
Noncurrent assets plus other real estate owned to assets	0.1530%	7,093
Noncurrent loans to loans	0.2300%	6,856
Net loans and leases to total assets	65.7766%	4,210
Net loans and leases to deposits	77.9379%	4,390
Net loans and leases to core deposits	88.0313%	5,329
Total domestic deposits to total assets	84.3962%	3,846
Equity capital to assets	8.9356%	5,240
Core capital (leverage) ratio	8.8797%	4,624
Tier 1 risk-based capital ratio	12.7265%	4,345
Total risk-based capital ratio	13.8047%	4,417
Memoranda:
Average total assets	$196,757,800	3,220
Average earning assets	$189,566,200	3,097
Average equity	$18,311,200	3,462
Average total loans	$137,076,200	3,135
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5609%	4,093
Cost of funding earning assets	1.2323%	6,796
Net interest margin	4.3286%	1,647
Noninterest income to average assets	1.0486%	1,445
Noninterest expense to average assets	2.4852%	6,120
Loan and lease loss provision to assets	0.1526%	5,830
Net operating income to assets	1.6966%	565
Return on assets (ROA)	1.7043%	586
Pretax return on assets	2.5961%	165
Return on Equity (ROE)	18.1233%	445
Retained earnings to average equity (ytd only)	5.0221%	2,478
Net charge-offs to loans	0.2447%	4,515
Credit loss provision to net charge-offs	88.4921%	5,523
Earnings coverage of net charge-offs (x)	15.8691%	1,511
Efficiency ratio	47.5885%	7,679
Assets per employee ($millions)	4.0966%	3,567
Cash dividends to net income (ytd only)*	72.2891%	1,194
Condition Ratios (%)
Loss allowance to loans	1.0094%	6,231
Loan loss allowance to noncurrent loans	776.9231%	450
Noncurrent assets plus other real estate owned to assets	0.0945%	7,317
Noncurrent loans to loans	0.1299%	7,154
Net loans and leases to total assets	72.0201%	3,035
Net loans and leases to deposits	87.2942%	3,087
Net loans and leases to core deposits	99.4849%	4,434
Total domestic deposits to total assets	82.5027%	4,449
Equity capital to assets	9.7233%	4,465
Core capital (leverage) ratio	9.1529%	4,412
Tier 1 risk-based capital ratio	12.6445%	4,443
Total risk-based capital ratio	13.6348%	4,587
Memoranda:
Average total assets	$194,798,000	3,256
Average earning assets	$187,830,750	3,140
Average equity	$18,318,500	3,479
Average total loans	$137,325,750	3,169
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5294%	4,448
Cost of funding earning assets	1.2673%	6,905
Net interest margin	4.2621%	1,771
Noninterest income to average assets	1.0350%	1,483
Noninterest expense to average assets	2.4035%	6,447
Loan and lease loss provision to assets	0.1227%	5,884
Net operating income to assets	1.7203%	537
Return on assets (ROA)	1.7203%	587
Pretax return on assets	2.6193%	168
Return on Equity (ROE)	18.4994%	448
Retained earnings to average equity (ytd only)	5.3013%	2,347
Net charge-offs to loans	0.2170%	4,145
Credit loss provision to net charge-offs	81.0811%	5,163
Earnings coverage of net charge-offs (x)	18.1149%	1,429
Efficiency ratio	46.7104%	7,824
Assets per employee ($millions)	3.9187%	3,840
Cash dividends to net income (ytd only)*	71.3436%	1,330
Condition Ratios (%)
Loss allowance to loans	1.0260%	6,041
Loan loss allowance to noncurrent loans	11,791.6667%	51
Noncurrent assets plus other real estate owned to assets	0.0235%	7,567
Noncurrent loans to loans	0.0087%	7,541
Net loans and leases to total assets	69.6620%	3,779
Net loans and leases to deposits	83.7540%	3,928
Net loans and leases to core deposits	95.6993%	4,934
Total domestic deposits to total assets	83.1746%	4,157
Equity capital to assets	9.3679%	4,786
Core capital (leverage) ratio	9.0048%	4,625
Tier 1 risk-based capital ratio	12.7344%	4,327
Total risk-based capital ratio	13.6643%	4,514
Memoranda:
Average total assets	$195,551,330	3,271
Average earning assets	$188,593,330	3,157
Average equity	$18,184,330	3,526
Average total loans	$136,407,670	3,217
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5252%	4,782
Cost of funding earning assets	1.3217%	6,953
Net interest margin	4.2035%	1,886
Noninterest income to average assets	1.0238%	1,418
Noninterest expense to average assets	2.3526%	6,361
Loan and lease loss provision to assets	0.0799%	5,953
Net operating income to assets	1.7301%	610
Return on assets (ROA)	1.7301%	666
Pretax return on assets	2.6351%	200
Return on Equity (ROE)	18.6751%	531
Retained earnings to average equity (ytd only)	5.4147%	2,893
Net charge-offs to loans	0.0619%	4,586
Credit loss provision to net charge-offs	185.7143%	2,357
Earnings coverage of net charge-offs (x)	63.1429%	625
Efficiency ratio	46.4242%	7,825
Assets per employee ($millions)	3.9532%	3,766
Cash dividends to net income (ytd only)*	71.0059%	1,252
Condition Ratios (%)
Loss allowance to loans	1.0769%	5,635
Loan loss allowance to noncurrent loans	798.3607%	473
Noncurrent assets plus other real estate owned to assets	0.0945%	7,306
Noncurrent loans to loans	0.1349%	7,136
Net loans and leases to total assets	69.2808%	3,849
Net loans and leases to deposits	83.3723%	4,081
Net loans and leases to core deposits	94.8002%	5,080
Total domestic deposits to total assets	83.0981%	4,096
Equity capital to assets	9.4096%	4,796
Core capital (leverage) ratio	9.0204%	4,672
Tier 1 risk-based capital ratio	12.7960%	4,329
Total risk-based capital ratio	13.8578%	4,389
Memoranda:
Average total assets	$195,359,000	3,293
Average earning assets	$187,940,000	3,188
Average equity	$18,099,000	3,554
Average total loans	$135,657,500	3,254
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1139%	4,968
Cost of funding earning assets	1.8709%	6,824
Net interest margin	4.2430%	2,142
Noninterest income to average assets	1.1060%	1,285
Noninterest expense to average assets	2.6582%	5,417
Loan and lease loss provision to assets	0.0536%	6,745
Net operating income to assets	1.6243%	800
Return on assets (ROA)	1.6246%	759
Pretax return on assets	2.4539%	216
Return on Equity (ROE)	17.1256%	614
Retained earnings to average equity (ytd only)	1.9732%	4,005
Net charge-offs to loans	0.0886%	5,473
Credit loss provision to net charge-offs	86.2069%	5,756
Earnings coverage of net charge-offs (x)	40.2931%	924
Efficiency ratio	51.4642%	7,544
Assets per employee ($millions)	4.0207%	3,468
Cash dividends to net income (ytd only)*	88.4780%	1,354
Condition Ratios (%)
Loss allowance to loans	1.0637%	5,527
Loan loss allowance to noncurrent loans	1,503.1250%	374
Noncurrent assets plus other real estate owned to assets	0.0487%	7,385
Noncurrent loans to loans	0.0708%	7,221
Net loans and leases to total assets	68.1228%	4,447
Net loans and leases to deposits	81.2306%	4,836
Net loans and leases to core deposits	91.6309%	5,672
Total domestic deposits to total assets	83.8634%	3,389
Equity capital to assets	9.1218%	5,192
Core capital (leverage) ratio	9.1850%	4,466
Tier 1 risk-based capital ratio	12.4541%	4,470
Total risk-based capital ratio	13.4891%	4,529
Memoranda:
Average total assets	$186,440,400	3,317
Average earning assets	$178,364,000	3,205
Average equity	$17,687,000	3,610
Average total loans	$130,867,600	3,255