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Farmers State Bank, 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	5.4260%	2,248
Cost of funding earning assets	1.9107%	2,178
Net interest margin	3.5153%	2,277
Noninterest income to average assets	0.3000%	2,864
Noninterest expense to average assets	2.2355%	3,013
Loan and lease loss provision to assets	0.0900%	1,412
Net operating income to assets	1.0762%	2,065
Return on assets (ROA)	1.0762%	2,070
Pretax return on assets	1.2478%	2,116
Return on Equity (ROE)	12.1600%	1,705
Retained earnings to average equity (ytd only)	5.5277%	2,415
Net charge-offs to loans	-0.0690%	4,340
Credit loss provision to net charge-offs	0.0000%	1,760
Earnings coverage of net charge-offs (x)	0.0000%	2,230
Efficiency ratio	62.5568%	2,655
Assets per employee ($millions)	6.4045%	2,639
Cash dividends to net income (ytd only)*	54.5302%	1,117
Condition Ratios (%)
Loss allowance to loans	0.8815%	3,648
Loan loss allowance to noncurrent loans	113.9138%	2,791
Noncurrent assets plus other real estate owned to assets	0.5617%	1,326
Noncurrent loans to loans	0.7738%	1,339
Net loans and leases to total assets	70.2300%	1,815
Net loans and leases to deposits	88.8925%	1,209
Net loans and leases to core deposits	94.5513%	1,740
Total domestic deposits to total assets	79.0100%	3,700
Equity capital to assets	8.9344%	2,988
Core capital (leverage) ratio	12.7919%	1,154
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,736
Memoranda:
Average total assets	$221,515,500	2,891
Average earning assets	$206,413,500	2,872
Average equity	$19,610,500	3,033
Average total loans	$156,586,000	2,707
2024-12-31		Rank
Percentage of unprofitable institutions	0.0000%	319
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1568%	2,827
Cost of funding earning assets	1.9884%	2,243
Net interest margin	3.1684%	2,783
Noninterest income to average assets	0.2600%	3,313
Noninterest expense to average assets	2.4610%	2,411
Loan and lease loss provision to assets	0.0000%	3,171
Net operating income to assets	0.7031%	2,970
Return on assets (ROA)	0.2643%	3,921
Pretax return on assets	0.2869%	3,950
Return on Equity (ROE)	3.0200%	3,855
Retained earnings to average equity (ytd only)	0.4480%	3,801
Net charge-offs to loans	0.0316%	1,947
Credit loss provision to net charge-offs	21.2766%	2,461
Earnings coverage of net charge-offs (x)	36.2979%	1,409
Efficiency ratio	75.6519%	1,401
Assets per employee ($millions)	6.4375%	2,540
Cash dividends to net income (ytd only)*	85.1789%	467
Condition Ratios (%)
Loss allowance to loans	0.8572%	3,746
Loan loss allowance to noncurrent loans	164.5522%	2,414
Noncurrent assets plus other real estate owned to assets	0.3810%	1,773
Noncurrent loans to loans	0.5209%	1,772
Net loans and leases to total assets	69.9100%	1,899
Net loans and leases to deposits	86.4884%	1,542
Net loans and leases to core deposits	92.3121%	1,950
Total domestic deposits to total assets	80.8400%	3,441
Equity capital to assets	8.7694%	2,998
Core capital (leverage) ratio	12.8276%	1,124
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,791
Memoranda:
Average total assets	$222,064,200	2,868
Average earning assets	$207,803,400	2,835
Average equity	$19,418,000	3,009
Average total loans	$148,933,800	2,739
2024-09-30		Rank
Percentage of unprofitable institutions	0.0000%	305
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0816%	2,898
Cost of funding earning assets	2.0008%	2,208
Net interest margin	3.0808%	2,945
Noninterest income to average assets	0.2500%	3,362
Noninterest expense to average assets	2.3278%	2,718
Loan and lease loss provision to assets	0.0100%	2,797
Net operating income to assets	0.7872%	2,733
Return on assets (ROA)	0.1663%	4,070
Pretax return on assets	0.1699%	4,080
Return on Equity (ROE)	1.9000%	4,037
Retained earnings to average equity (ytd only)	-0.4930%	4,078
Net charge-offs to loans	0.0054%	2,480
Credit loss provision to net charge-offs	166.6667%	1,205
Earnings coverage of net charge-offs (x)	225.5000%	470
Efficiency ratio	73.6270%	1,633
Assets per employee ($millions)	6.4033%	2,580
Cash dividends to net income (ytd only)*	125.8993%	121
Condition Ratios (%)
Loss allowance to loans	0.8978%	3,670
Loan loss allowance to noncurrent loans	221.6260%	2,100
Noncurrent assets plus other real estate owned to assets	0.3266%	1,914
Noncurrent loans to loans	0.4051%	2,064
Net loans and leases to total assets	69.1100%	1,946
Net loans and leases to deposits	87.6874%	1,464
Net loans and leases to core deposits	93.7922%	1,890
Total domestic deposits to total assets	78.8100%	3,630
Equity capital to assets	9.5080%	2,665
Core capital (leverage) ratio	13.0458%	1,074
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,827
Memoranda:
Average total assets	$222,861,500	2,852
Average earning assets	$208,773,250	2,833
Average equity	$19,474,000	3,009
Average total loans	$147,580,500	2,748
2024-06-30		Rank
Percentage of unprofitable institutions	0.0000%	306
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0227%	2,909
Cost of funding earning assets	2.0412%	2,021
Net interest margin	2.9815%	3,085
Noninterest income to average assets	0.2500%	3,346
Noninterest expense to average assets	2.2513%	2,943
Loan and lease loss provision to assets	0.0100%	2,670
Net operating income to assets	0.6820%	2,977
Return on assets (ROA)	0.0374%	4,220
Pretax return on assets	0.0427%	4,201
Return on Equity (ROE)	0.4400%	4,206
Retained earnings to average equity (ytd only)	-2.1820%	4,151
Net charge-offs to loans	-0.0137%	4,048
Credit loss provision to net charge-offs	0.0000%	2,036
Earnings coverage of net charge-offs (x)	0.0000%	2,538
Efficiency ratio	73.3762%	1,711
Assets per employee ($millions)	5.5352%	3,189
Cash dividends to net income (ytd only)*	595.2381%	12
Condition Ratios (%)
Loss allowance to loans	0.9396%	3,554
Loan loss allowance to noncurrent loans	370.6989%	1,581
Noncurrent assets plus other real estate owned to assets	0.2029%	2,390
Noncurrent loans to loans	0.2535%	2,469
Net loans and leases to total assets	67.3400%	2,188
Net loans and leases to deposits	79.5485%	2,243
Net loans and leases to core deposits	88.0065%	2,264
Total domestic deposits to total assets	84.6600%	2,413
Equity capital to assets	8.7232%	2,936
Core capital (leverage) ratio	12.9305%	1,097
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,851
Memoranda:
Average total assets	$224,578,000	2,842
Average earning assets	$210,562,000	2,819
Average equity	$19,065,333	3,010
Average total loans	$146,168,333	2,756
2024-03-31		Rank
Percentage of unprofitable institutions	0.0000%	11
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9315%	2,921
Cost of funding earning assets	2.1666%	1,614
Net interest margin	2.7649%	3,437
Noninterest income to average assets	0.2400%	3,362
Noninterest expense to average assets	2.1264%	3,248
Loan and lease loss provision to assets	0.0200%	2,205
Net operating income to assets	0.6884%	2,880
Return on assets (ROA)	-0.7653%	4,483
Pretax return on assets	-0.7548%	4,470
Return on Equity (ROE)	-9.1300%	4,474
Retained earnings to average equity (ytd only)	-12.2612%	4,358
Net charge-offs to loans	-0.0439%	4,299
Credit loss provision to net charge-offs	0.0000%	1,619
Earnings coverage of net charge-offs (x)	0.0000%	2,130
Efficiency ratio	74.1856%	1,725
Assets per employee ($millions)	6.6642%	2,314
Cash dividends to net income (ytd only)*	0.0000%	2,272
Condition Ratios (%)
Loss allowance to loans	0.9337%	3,585
Loan loss allowance to noncurrent loans	368.6170%	1,654
Noncurrent assets plus other real estate owned to assets	0.2010%	2,350
Noncurrent loans to loans	0.2533%	2,411
Net loans and leases to total assets	66.8700%	2,134
Net loans and leases to deposits	75.2468%	2,494
Net loans and leases to core deposits	88.3823%	2,142
Total domestic deposits to total assets	88.8600%	1,144
Equity capital to assets	8.5382%	2,998
Core capital (leverage) ratio	11.7443%	1,530
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,874
Memoranda:
Average total assets	$228,930,500	2,814
Average earning assets	$215,268,000	2,793
Average equity	$19,182,500	3,016
Average total loans	$145,874,000	2,759
2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4742%	3,133
Cost of funding earning assets	1.8335%	1,196
Net interest margin	2.6407%	3,913
Noninterest income to average assets	0.2400%	3,502
Noninterest expense to average assets	2.1246%	3,339
Loan and lease loss provision to assets	0.0000%	3,179
Net operating income to assets	0.5553%	3,552
Return on assets (ROA)	0.4897%	3,688
Pretax return on assets	0.5110%	3,788
Return on Equity (ROE)	6.5300%	3,409
Retained earnings to average equity (ytd only)	4.4780%	2,801
Net charge-offs to loans	0.1045%	878
Credit loss provision to net charge-offs	6.7568%	2,339
Earnings coverage of net charge-offs (x)	9.4662%	2,293
Efficiency ratio	77.8410%	1,082
Assets per employee ($millions)	6.9983%	2,074
Cash dividends to net income (ytd only)*	31.4626%	2,493
Condition Ratios (%)
Loss allowance to loans	0.9290%	3,615
Loan loss allowance to noncurrent loans	658.9109%	1,192
Noncurrent assets plus other real estate owned to assets	0.1126%	2,787
Noncurrent loans to loans	0.1410%	2,807
Net loans and leases to total assets	59.6600%	2,876
Net loans and leases to deposits	70.0576%	2,886
Net loans and leases to core deposits	85.2510%	2,359
Total domestic deposits to total assets	85.1500%	2,265
Equity capital to assets	8.2322%	3,258
Core capital (leverage) ratio	11.8904%	1,468
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,896
Memoranda:
Average total assets	$240,140,600	2,738
Average earning assets	$224,486,800	2,717
Average equity	$17,999,000	3,014
Average total loans	$141,559,200	2,751
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4069%	3,084
Cost of funding earning assets	1.7587%	1,081
Net interest margin	2.6482%	3,952
Noninterest income to average assets	0.2600%	3,384
Noninterest expense to average assets	2.0579%	3,446
Loan and lease loss provision to assets	0.0000%	2,992
Net operating income to assets	0.6038%	3,537
Return on assets (ROA)	0.5229%	3,699
Pretax return on assets	0.5855%	3,763
Return on Equity (ROE)	7.1500%	3,391
Retained earnings to average equity (ytd only)	5.4463%	2,798
Net charge-offs to loans	0.0435%	1,267
Credit loss provision to net charge-offs	0.0000%	2,098
Earnings coverage of net charge-offs (x)	26.5435%	1,663
Efficiency ratio	74.6556%	1,303
Assets per employee ($millions)	6.9000%	2,037
Cash dividends to net income (ytd only)*	23.8347%	2,303
Condition Ratios (%)
Loss allowance to loans	0.9928%	3,410
Loan loss allowance to noncurrent loans	519.3431%	1,424
Noncurrent assets plus other real estate owned to assets	0.1168%	2,789
Noncurrent loans to loans	0.1912%	2,597
Net loans and leases to total assets	60.4900%	2,794
Net loans and leases to deposits	67.9369%	2,984
Net loans and leases to core deposits	87.6125%	2,084
Total domestic deposits to total assets	89.0400%	1,231
Equity capital to assets	6.8112%	3,704
Core capital (leverage) ratio	11.8047%	1,528
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,911
Memoranda:
Average total assets	$240,690,000	2,738
Average earning assets	$224,552,250	2,725
Average equity	$17,601,750	3,032
Average total loans	$141,129,250	2,765
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2906%	3,114
Cost of funding earning assets	1.6727%	927
Net interest margin	2.6179%	4,092
Noninterest income to average assets	0.2600%	3,340
Noninterest expense to average assets	2.0443%	3,476
Loan and lease loss provision to assets	0.0000%	2,857
Net operating income to assets	0.5749%	3,642
Return on assets (ROA)	0.4573%	3,901
Pretax return on assets	0.5249%	3,920
Return on Equity (ROE)	6.1200%	3,664
Retained earnings to average equity (ytd only)	6.1182%	2,579
Net charge-offs to loans	0.0427%	1,081
Credit loss provision to net charge-offs	0.0000%	1,862
Earnings coverage of net charge-offs (x)	26.7000%	1,605
Efficiency ratio	74.9848%	1,255
Assets per employee ($millions)	6.4691%	2,316
Cash dividends to net income (ytd only)*	0.0000%	2,909
Condition Ratios (%)
Loss allowance to loans	1.0009%	3,414
Loan loss allowance to noncurrent loans	365.4822%	1,908
Noncurrent assets plus other real estate owned to assets	0.1646%	2,410
Noncurrent loans to loans	0.2739%	2,172
Net loans and leases to total assets	59.5000%	2,821
Net loans and leases to deposits	67.2222%	2,971
Net loans and leases to core deposits	85.5274%	2,109
Total domestic deposits to total assets	88.5200%	1,417
Equity capital to assets	7.5365%	3,496
Core capital (leverage) ratio	11.5403%	1,593
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,936
Memoranda:
Average total assets	$242,720,333	2,730
Average earning assets	$226,214,333	2,725
Average equity	$18,142,667	3,014
Average total loans	$140,396,000	2,766
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1607%	3,117
Cost of funding earning assets	1.4916%	863
Net interest margin	2.6691%	4,115
Noninterest income to average assets	0.2800%	3,222
Noninterest expense to average assets	1.9034%	3,845
Loan and lease loss provision to assets	0.0000%	2,553
Net operating income to assets	0.7727%	3,289
Return on assets (ROA)	0.7447%	3,315
Pretax return on assets	0.8249%	3,410
Return on Equity (ROE)	10.0000%	2,785
Retained earnings to average equity (ytd only)	10.0030%	1,697
Net charge-offs to loans	0.0029%	1,913
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	523.0000%	218
Efficiency ratio	68.3867%	1,936
Assets per employee ($millions)	7.5848%	1,571
Cash dividends to net income (ytd only)*	0.0000%	2,306
Condition Ratios (%)
Loss allowance to loans	1.0342%	3,367
Loan loss allowance to noncurrent loans	342.9907%	2,052
Noncurrent assets plus other real estate owned to assets	0.1710%	2,308
Noncurrent loans to loans	0.3015%	2,068
Net loans and leases to total assets	56.1200%	3,032
Net loans and leases to deposits	66.5619%	2,893
Net loans and leases to core deposits	85.0941%	1,923
Total domestic deposits to total assets	84.3200%	3,023
Equity capital to assets	7.5789%	3,520
Core capital (leverage) ratio	11.4856%	1,568
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,020
Memoranda:
Average total assets	$244,403,000	2,757
Average earning assets	$226,596,500	2,763
Average equity	$18,194,500	3,035
Average total loans	$138,660,500	2,811
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6761%	2,594
Cost of funding earning assets	0.5657%	1,038
Net interest margin	3.1104%	3,153
Noninterest income to average assets	0.2600%	3,579
Noninterest expense to average assets	2.1441%	3,179
Loan and lease loss provision to assets	0.0000%	2,926
Net operating income to assets	0.8953%	2,980
Return on assets (ROA)	0.8953%	2,916
Pretax return on assets	1.0696%	2,862
Return on Equity (ROE)	10.2200%	2,742
Retained earnings to average equity (ytd only)	4.2067%	3,327
Net charge-offs to loans	0.0469%	1,219
Credit loss provision to net charge-offs	0.0000%	1,979
Earnings coverage of net charge-offs (x)	42.7368%	1,467
Efficiency ratio	66.1702%	2,209
Assets per employee ($millions)	6.4461%	2,382
Cash dividends to net income (ytd only)*	58.8524%	1,003
Condition Ratios (%)
Loss allowance to loans	1.0851%	2,962
Loan loss allowance to noncurrent loans	218.6012%	2,560
Noncurrent assets plus other real estate owned to assets	0.2818%	1,744
Noncurrent loans to loans	0.4964%	1,458
Net loans and leases to total assets	56.1400%	3,015
Net loans and leases to deposits	62.5945%	3,147
Net loans and leases to core deposits	78.5192%	2,238
Total domestic deposits to total assets	89.7000%	1,484
Equity capital to assets	7.3033%	3,487
Core capital (leverage) ratio	11.6247%	1,441
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,055
Memoranda:
Average total assets	$227,743,000	2,856
Average earning assets	$216,014,400	2,823
Average equity	$19,944,400	2,953
Average total loans	$121,649,000	2,900
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5416%	2,484
Cost of funding earning assets	0.3851%	1,400
Net interest margin	3.1565%	2,754
Noninterest income to average assets	0.2700%	3,561
Noninterest expense to average assets	2.0996%	3,211
Loan and lease loss provision to assets	0.0000%	2,752
Net operating income to assets	0.9912%	2,502
Return on assets (ROA)	0.9912%	2,475
Pretax return on assets	1.1730%	2,477
Return on Equity (ROE)	10.8400%	2,448
Retained earnings to average equity (ytd only)	5.0090%	3,099
Net charge-offs to loans	0.0541%	942
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	41.2500%	1,374
Efficiency ratio	63.6133%	2,605
Assets per employee ($millions)	6.1143%	2,662
Cash dividends to net income (ytd only)*	53.7956%	1,052
Condition Ratios (%)
Loss allowance to loans	1.1314%	2,878
Loan loss allowance to noncurrent loans	773.2984%	1,172
Noncurrent assets plus other real estate owned to assets	0.1003%	2,951
Noncurrent loans to loans	0.1463%	2,883
Net loans and leases to total assets	55.5500%	2,950
Net loans and leases to deposits	70.6635%	2,311
Net loans and leases to core deposits	76.7388%	2,139
Total domestic deposits to total assets	78.6100%	4,210
Equity capital to assets	6.7706%	3,629
Core capital (leverage) ratio	11.7654%	1,330
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,120
Memoranda:
Average total assets	$225,052,000	2,890
Average earning assets	$213,947,000	2,857
Average equity	$20,575,750	2,942
Average total loans	$118,216,750	2,945
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3958%	2,450
Cost of funding earning assets	0.3167%	1,558
Net interest margin	3.0791%	2,606
Noninterest income to average assets	0.2767%	3,510
Noninterest expense to average assets	2.0609%	3,261
Loan and lease loss provision to assets	0.0000%	2,599
Net operating income to assets	0.9954%	2,175
Return on assets (ROA)	0.9954%	2,146
Pretax return on assets	1.1589%	2,213
Return on Equity (ROE)	9.9862%	2,344
Retained earnings to average equity (ytd only)	4.5785%	2,853
Net charge-offs to loans	0.0351%	1,038
Credit loss provision to net charge-offs	0.0000%	1,663
Earnings coverage of net charge-offs (x)	64.5000%	1,044
Efficiency ratio	63.4487%	2,849
Assets per employee ($millions)	5.7594%	2,969
Cash dividends to net income (ytd only)*	54.1516%	1,233
Condition Ratios (%)
Loss allowance to loans	1.2216%	2,578
Loan loss allowance to noncurrent loans	206.3014%	2,633
Noncurrent assets plus other real estate owned to assets	0.3437%	1,630
Noncurrent loans to loans	0.5921%	1,428
Net loans and leases to total assets	54.2143%	2,941
Net loans and leases to deposits	63.1434%	2,793
Net loans and leases to core deposits	67.1649%	2,725
Total domestic deposits to total assets	85.8590%	3,281
Equity capital to assets	8.1263%	3,026
Core capital (leverage) ratio	12.1863%	1,081
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$222,621,667	2,926
Average earning assets	$212,792,000	2,897
Average equity	$22,190,667	2,875
Average total loans	$114,108,667	3,017
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2944%	2,403
Cost of funding earning assets	0.3279%	1,397
Net interest margin	2.9665%	2,612
Noninterest income to average assets	0.2852%	3,422
Noninterest expense to average assets	2.0269%	3,364
Loan and lease loss provision to assets	0.0000%	2,285
Net operating income to assets	0.9836%	1,953
Return on assets (ROA)	0.9836%	1,950
Pretax return on assets	1.0992%	2,148
Return on Equity (ROE)	9.0234%	2,312
Retained earnings to average equity (ytd only)	4.0564%	2,914
Net charge-offs to loans	0.0803%	599
Credit loss provision to net charge-offs	0.0000%	1,336
Earnings coverage of net charge-offs (x)	27.6818%	1,166
Efficiency ratio	64.2610%	2,991
Assets per employee ($millions)	6.1309%	2,675
Cash dividends to net income (ytd only)*	55.0459%	1,158
Condition Ratios (%)
Loss allowance to loans	1.3854%	1,970
Loan loss allowance to noncurrent loans	373.4491%	1,821
Noncurrent assets plus other real estate owned to assets	0.2016%	2,424
Noncurrent loans to loans	0.3710%	2,157
Net loans and leases to total assets	48.5384%	3,329
Net loans and leases to deposits	55.2521%	3,322
Net loans and leases to core deposits	58.4232%	3,277
Total domestic deposits to total assets	87.8489%	2,595
Equity capital to assets	9.7575%	2,083
Core capital (leverage) ratio	11.6443%	1,213
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$221,624,500	2,953
Average earning assets	$212,239,500	2,915
Average equity	$24,159,500	2,827
Average total loans	$109,523,000	3,071
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9773%	1,415
Cost of funding earning assets	0.4278%	1,343
Net interest margin	3.5495%	1,605
Noninterest income to average assets	0.2938%	3,642
Noninterest expense to average assets	2.1658%	3,188
Loan and lease loss provision to assets	0.0115%	2,855
Net operating income to assets	1.2245%	1,840
Return on assets (ROA)	1.2305%	1,867
Pretax return on assets	1.5156%	1,669
Return on Equity (ROE)	9.9529%	2,539
Retained earnings to average equity (ytd only)	5.5827%	2,528
Net charge-offs to loans	-0.0219%	4,016
Credit loss provision to net charge-offs	-104.1667%	3,368
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	58.2658%	3,407
Assets per employee ($millions)	5.7061%	3,048
Cash dividends to net income (ytd only)*	43.9088%	1,830
Condition Ratios (%)
Loss allowance to loans	1.3812%	1,995
Loan loss allowance to noncurrent loans	524.0550%	1,380
Noncurrent assets plus other real estate owned to assets	0.1308%	3,023
Noncurrent loans to loans	0.2636%	2,663
Net loans and leases to total assets	48.9294%	3,412
Net loans and leases to deposits	57.2479%	3,314
Net loans and leases to core deposits	61.0395%	3,244
Total domestic deposits to total assets	85.4694%	3,100
Equity capital to assets	12.0353%	1,239
Core capital (leverage) ratio	11.6224%	1,240
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.0656%	555
Memoranda:
Average total assets	$217,474,600	2,931
Average earning assets	$207,802,400	2,899
Average equity	$26,886,600	2,732
Average total loans	$109,593,000	3,082
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1982%	1,113
Cost of funding earning assets	0.4468%	1,377
Net interest margin	3.7513%	1,221
Noninterest income to average assets	0.2997%	3,639
Noninterest expense to average assets	2.0745%	3,440
Loan and lease loss provision to assets	0.0153%	2,693
Net operating income to assets	1.4424%	1,415
Return on assets (ROA)	1.4504%	1,455
Pretax return on assets	1.7970%	1,169
Return on Equity (ROE)	11.6523%	2,156
Retained earnings to average equity (ytd only)	7.5651%	2,196
Net charge-offs to loans	0.0305%	1,443
Credit loss provision to net charge-offs	100.0000%	1,571
Earnings coverage of net charge-offs (x)	116.9200%	790
Efficiency ratio	53.0301%	3,917
Assets per employee ($millions)	5.8031%	2,886
Cash dividends to net income (ytd only)*	35.0765%	1,841
Condition Ratios (%)
Loss allowance to loans	1.3866%	2,072
Loan loss allowance to noncurrent loans	281.3333%	2,076
Noncurrent assets plus other real estate owned to assets	0.2445%	2,560
Noncurrent loans to loans	0.4929%	2,076
Net loans and leases to total assets	48.9211%	3,535
Net loans and leases to deposits	57.8198%	3,424
Net loans and leases to core deposits	63.1744%	3,207
Total domestic deposits to total assets	84.6097%	3,261
Equity capital to assets	12.6844%	1,098
Core capital (leverage) ratio	11.9458%	1,188
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	23.3093%	514
Memoranda:
Average total assets	$216,209,000	2,963
Average earning assets	$206,180,000	2,933
Average equity	$26,912,500	2,762
Average total loans	$109,388,500	3,126
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5415%	685
Cost of funding earning assets	0.4606%	1,445
Net interest margin	4.0808%	723
Noninterest income to average assets	0.2981%	3,648
Noninterest expense to average assets	2.0562%	3,531
Loan and lease loss provision to assets	0.0231%	2,514
Net operating income to assets	1.7046%	864
Return on assets (ROA)	1.7166%	895
Pretax return on assets	2.1254%	656
Return on Equity (ROE)	13.8780%	1,448
Retained earnings to average equity (ytd only)	9.7743%	1,476
Net charge-offs to loans	0.0507%	1,116
Credit loss provision to net charge-offs	89.2857%	1,437
Earnings coverage of net charge-offs (x)	82.5714%	827
Efficiency ratio	48.6344%	4,347
Assets per employee ($millions)	5.3986%	3,243
Cash dividends to net income (ytd only)*	29.5699%	2,079
Condition Ratios (%)
Loss allowance to loans	1.3576%	2,164
Loan loss allowance to noncurrent loans	381.8653%	1,578
Noncurrent assets plus other real estate owned to assets	0.1744%	3,101
Noncurrent loans to loans	0.3555%	2,625
Net loans and leases to total assets	48.3862%	3,690
Net loans and leases to deposits	57.3783%	3,608
Net loans and leases to core deposits	64.4858%	3,245
Total domestic deposits to total assets	84.3285%	3,333
Equity capital to assets	12.2560%	1,243
Core capital (leverage) ratio	11.7770%	1,183
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	23.3682%	522
Memoranda:
Average total assets	$216,707,667	2,961
Average earning assets	$206,673,667	2,927
Average equity	$26,805,000	2,759
Average total loans	$110,345,667	3,121
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9241%	399
Cost of funding earning assets	0.4843%	1,486
Net interest margin	4.4397%	399
Noninterest income to average assets	0.2948%	3,639
Noninterest expense to average assets	2.1008%	3,422
Loan and lease loss provision to assets	0.0280%	2,419
Net operating income to assets	2.0934%	498
Return on assets (ROA)	2.0934%	537
Pretax return on assets	2.3733%	540
Return on Equity (ROE)	16.8446%	875
Retained earnings to average equity (ytd only)	12.7160%	976
Net charge-offs to loans	0.0036%	1,798
Credit loss provision to net charge-offs	1,500.0000%	302
Earnings coverage of net charge-offs (x)	1,287.0000%	67
Efficiency ratio	46.2495%	4,453
Assets per employee ($millions)	5.3841%	3,242
Cash dividends to net income (ytd only)*	24.5098%	1,877
Condition Ratios (%)
Loss allowance to loans	1.3209%	2,342
Loan loss allowance to noncurrent loans	370.6468%	1,480
Noncurrent assets plus other real estate owned to assets	0.1867%	3,231
Noncurrent loans to loans	0.3564%	2,803
Net loans and leases to total assets	51.6867%	3,475
Net loans and leases to deposits	60.8329%	3,427
Net loans and leases to core deposits	68.4447%	3,024
Total domestic deposits to total assets	84.9651%	3,109
Equity capital to assets	12.2898%	1,153
Core capital (leverage) ratio	11.6327%	1,332
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.8608%	527
Memoranda:
Average total assets	$214,389,500	2,974
Average earning assets	$203,165,500	2,946
Average equity	$26,643,500	2,754
Average total loans	$111,231,500	3,113
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0092%	2,696
Cost of funding earning assets	0.7216%	1,608
Net interest margin	3.2876%	3,098
Noninterest income to average assets	0.3723%	3,253
Noninterest expense to average assets	2.1575%	3,796
Loan and lease loss provision to assets	0.0540%	3,696
Net operating income to assets	1.0360%	2,156
Return on assets (ROA)	1.0368%	2,300
Pretax return on assets	1.2676%	2,093
Return on Equity (ROE)	8.0426%	2,803
Retained earnings to average equity (ytd only)	2.4231%	3,651
Net charge-offs to loans	0.0317%	2,399
Credit loss provision to net charge-offs	314.2857%	1,683
Earnings coverage of net charge-offs (x)	76.8286%	918
Efficiency ratio	61.4657%	3,227
Assets per employee ($millions)	5.2052%	3,146
Cash dividends to net income (ytd only)*	69.8721%	958
Condition Ratios (%)
Loss allowance to loans	1.3460%	2,208
Loan loss allowance to noncurrent loans	135.6618%	2,933
Noncurrent assets plus other real estate owned to assets	0.5098%	2,028
Noncurrent loans to loans	0.9922%	1,427
Net loans and leases to total assets	50.6911%	3,770
Net loans and leases to deposits	59.9645%	3,766
Net loans and leases to core deposits	69.9786%	3,255
Total domestic deposits to total assets	84.5352%	2,938
Equity capital to assets	12.5667%	1,288
Core capital (leverage) ratio	11.3560%	1,556
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.6903%	612
Memoranda:
Average total assets	$203,610,800	2,909
Average earning assets	$192,359,400	2,890
Average equity	$26,247,800	2,729
Average total loans	$110,551,600	3,092
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0951%	2,687
Cost of funding earning assets	0.7698%	1,639
Net interest margin	3.3254%	3,115
Noninterest income to average assets	0.3957%	3,106
Noninterest expense to average assets	2.1780%	3,732
Loan and lease loss provision to assets	0.0597%	3,597
Net operating income to assets	1.0658%	2,089
Return on assets (ROA)	1.0658%	2,221
Pretax return on assets	1.3077%	2,015
Return on Equity (ROE)	8.2128%	2,726
Retained earnings to average equity (ytd only)	2.0838%	3,905
Net charge-offs to loans	0.0530%	1,848
Credit loss provision to net charge-offs	204.5455%	2,101
Earnings coverage of net charge-offs (x)	46.8864%	1,241
Efficiency ratio	60.8712%	3,242
Assets per employee ($millions)	5.2810%	2,916
Cash dividends to net income (ytd only)*	74.6269%	709
Condition Ratios (%)
Loss allowance to loans	1.2592%	2,353
Loan loss allowance to noncurrent loans	107.1006%	3,180
Noncurrent assets plus other real estate owned to assets	0.6400%	1,826
Noncurrent loans to loans	1.1757%	1,289
Net loans and leases to total assets	53.7519%	3,824
Net loans and leases to deposits	63.6640%	3,818
Net loans and leases to core deposits	77.6394%	3,045
Total domestic deposits to total assets	84.4306%	2,662
Equity capital to assets	12.6088%	1,373
Core capital (leverage) ratio	11.6470%	1,500
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.4569%	626
Memoranda:
Average total assets	$201,160,000	2,911
Average earning assets	$190,531,000	2,890
Average equity	$26,105,000	2,726
Average total loans	$110,775,000	3,099
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1806%	2,824
Cost of funding earning assets	0.8057%	1,797
Net interest margin	3.3749%	3,169
Noninterest income to average assets	0.4388%	2,865
Noninterest expense to average assets	2.1638%	3,892
Loan and lease loss provision to assets	0.0607%	3,543
Net operating income to assets	1.2235%	1,572
Return on assets (ROA)	1.2235%	1,695
Pretax return on assets	1.4206%	1,673
Return on Equity (ROE)	9.3334%	2,237
Retained earnings to average equity (ytd only)	5.0910%	2,432
Net charge-offs to loans	0.0384%	1,979
Credit loss provision to net charge-offs	285.7143%	1,661
Earnings coverage of net charge-offs (x)	69.7619%	880
Efficiency ratio	58.8072%	3,582
Assets per employee ($millions)	4.9487%	3,236
Cash dividends to net income (ytd only)*	45.4545%	1,713
Condition Ratios (%)
Loss allowance to loans	1.2652%	2,174
Loan loss allowance to noncurrent loans	109.1597%	3,099
Noncurrent assets plus other real estate owned to assets	0.6511%	1,871
Noncurrent loans to loans	1.1590%	1,358
Net loans and leases to total assets	55.4619%	3,733
Net loans and leases to deposits	66.3892%	3,688
Net loans and leases to core deposits	79.2143%	3,009
Total domestic deposits to total assets	83.5405%	2,906
Equity capital to assets	13.2387%	1,065
Core capital (leverage) ratio	12.0309%	1,359
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.3390%	642
Memoranda:
Average total assets	$197,799,667	2,920
Average earning assets	$187,916,667	2,888
Average equity	$25,928,333	2,723
Average total loans	$109,368,667	3,109
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2312%	3,116
Cost of funding earning assets	0.8600%	2,059
Net interest margin	3.3711%	3,395
Noninterest income to average assets	0.2827%	3,836
Noninterest expense to average assets	2.2781%	3,820
Loan and lease loss provision to assets	0.0615%	3,002
Net operating income to assets	1.0100%	2,147
Return on assets (ROA)	1.0100%	2,247
Pretax return on assets	1.1472%	2,370
Return on Equity (ROE)	7.7449%	2,620
Retained earnings to average equity (ytd only)	3.4247%	2,915
Net charge-offs to loans	0.0149%	2,073
Credit loss provision to net charge-offs	750.0000%	687
Earnings coverage of net charge-offs (x)	147.5000%	436
Efficiency ratio	64.7474%	3,113
Assets per employee ($millions)	4.8368%	2,829
Cash dividends to net income (ytd only)*	55.7809%	1,485
Condition Ratios (%)
Loss allowance to loans	1.2905%	2,186
Loan loss allowance to noncurrent loans	221.0526%	1,913
Noncurrent assets plus other real estate owned to assets	0.3258%	3,145
Noncurrent loans to loans	0.5838%	2,547
Net loans and leases to total assets	55.0775%	3,903
Net loans and leases to deposits	66.6059%	3,821
Net loans and leases to core deposits	79.9121%	3,205
Total domestic deposits to total assets	82.6916%	3,210
Equity capital to assets	13.1508%	1,365
Core capital (leverage) ratio	12.3310%	1,547
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.6379%	683
Memoranda:
Average total assets	$195,250,500	2,906
Average earning assets	$185,575,500	2,865
Average equity	$25,462,000	2,748
Average total loans	$107,066,500	3,119
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3336%	3,445
Cost of funding earning assets	0.9077%	2,161
Net interest margin	3.4259%	3,663
Noninterest income to average assets	0.3222%	3,763
Noninterest expense to average assets	2.1900%	4,178
Loan and lease loss provision to assets	0.0636%	2,764
Net operating income to assets	1.1320%	2,328
Return on assets (ROA)	1.1334%	2,417
Pretax return on assets	1.3199%	2,442
Return on Equity (ROE)	9.0560%	2,727
Retained earnings to average equity (ytd only)	4.8223%	2,521
Net charge-offs to loans	0.0964%	1,760
Credit loss provision to net charge-offs	123.7113%	2,055
Earnings coverage of net charge-offs (x)	26.8866%	1,681
Efficiency ratio	60.3768%	3,636
Assets per employee ($millions)	4.5760%	3,113
Cash dividends to net income (ytd only)*	46.7508%	2,249
Condition Ratios (%)
Loss allowance to loans	1.3539%	1,691
Loan loss allowance to noncurrent loans	170.8537%	2,370
Noncurrent assets plus other real estate owned to assets	0.4267%	2,685
Noncurrent loans to loans	0.7924%	1,922
Net loans and leases to total assets	53.1138%	4,138
Net loans and leases to deposits	61.3966%	4,220
Net loans and leases to core deposits	73.1921%	3,785
Total domestic deposits to total assets	86.5094%	1,842
Equity capital to assets	12.9271%	1,565
Core capital (leverage) ratio	12.6606%	1,400
Tier 1 risk-based capital ratio	21.2532%	1,123
Total risk-based capital ratio	22.5031%	1,102
Memoranda:
Average total assets	$188,724,800	2,928
Average earning assets	$179,020,400	2,894
Average equity	$23,619,600	2,828
Average total loans	$100,672,800	3,218
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3583%	3,489
Cost of funding earning assets	0.9140%	2,164
Net interest margin	3.4443%	3,748
Noninterest income to average assets	0.3194%	3,834
Noninterest expense to average assets	2.1533%	4,270
Loan and lease loss provision to assets	0.0639%	2,610
Net operating income to assets	1.1530%	2,349
Return on assets (ROA)	1.1547%	2,435
Pretax return on assets	1.3726%	2,413
Return on Equity (ROE)	9.3049%	2,754
Retained earnings to average equity (ytd only)	5.0156%	2,883
Net charge-offs to loans	0.0827%	1,646
Credit loss provision to net charge-offs	145.1613%	1,673
Earnings coverage of net charge-offs (x)	32.5986%	1,554
Efficiency ratio	58.9713%	3,803
Assets per employee ($millions)	4.6323%	3,001
Cash dividends to net income (ytd only)*	46.0973%	1,876
Condition Ratios (%)
Loss allowance to loans	1.3755%	1,665
Loan loss allowance to noncurrent loans	146.5625%	2,648
Noncurrent assets plus other real estate owned to assets	0.5181%	2,456
Noncurrent loans to loans	0.9385%	1,715
Net loans and leases to total assets	54.4457%	4,141
Net loans and leases to deposits	64.4527%	4,147
Net loans and leases to core deposits	76.4881%	3,664
Total domestic deposits to total assets	84.4738%	2,641
Equity capital to assets	13.3955%	1,406
Core capital (leverage) ratio	12.6126%	1,521
Tier 1 risk-based capital ratio	21.3182%	1,152
Total risk-based capital ratio	22.5682%	1,129
Memoranda:
Average total assets	$187,857,750	2,960
Average earning assets	$178,259,500	2,926
Average equity	$23,313,250	2,869
Average total loans	$99,970,500	3,267
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3339%	3,533
Cost of funding earning assets	0.9231%	2,035
Net interest margin	3.4108%	3,862
Noninterest income to average assets	0.3010%	3,918
Noninterest expense to average assets	2.1917%	4,240
Loan and lease loss provision to assets	0.0636%	2,543
Net operating income to assets	1.0940%	2,550
Return on assets (ROA)	1.0958%	2,606
Pretax return on assets	1.2824%	2,628
Return on Equity (ROE)	9.0659%	2,822
Retained earnings to average equity (ytd only)	4.6820%	2,932
Net charge-offs to loans	0.1431%	1,079
Credit loss provision to net charge-offs	84.5070%	2,182
Earnings coverage of net charge-offs (x)	17.8592%	1,876
Efficiency ratio	60.7014%	3,627
Assets per employee ($millions)	4.6238%	2,971
Cash dividends to net income (ytd only)*	48.3559%	1,875
Condition Ratios (%)
Loss allowance to loans	1.3578%	1,784
Loan loss allowance to noncurrent loans	115.7360%	3,074
Noncurrent assets plus other real estate owned to assets	0.6391%	2,128
Noncurrent loans to loans	1.1732%	1,370
Net loans and leases to total assets	53.7339%	4,231
Net loans and leases to deposits	62.0501%	4,331
Net loans and leases to core deposits	75.0444%	3,814
Total domestic deposits to total assets	86.5976%	1,771
Equity capital to assets	12.9704%	1,602
Core capital (leverage) ratio	12.2988%	1,638
Tier 1 risk-based capital ratio	21.6590%	1,096
Total risk-based capital ratio	22.9100%	1,076
Memoranda:
Average total assets	$188,712,670	2,966
Average earning assets	$178,961,000	2,928
Average equity	$22,810,670	2,900
Average total loans	$99,197,000	3,296
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2436%	3,734
Cost of funding earning assets	0.8964%	2,023
Net interest margin	3.3472%	4,038
Noninterest income to average assets	0.2959%	3,899
Noninterest expense to average assets	2.0525%	4,547
Loan and lease loss provision to assets	0.0630%	2,404
Net operating income to assets	1.1984%	2,063
Return on assets (ROA)	1.1984%	2,113
Pretax return on assets	1.3621%	2,229
Return on Equity (ROE)	10.2783%	2,253
Retained earnings to average equity (ytd only)	5.7782%	2,553
Net charge-offs to loans	0.2520%	576
Credit loss provision to net charge-offs	48.3871%	1,989
Earnings coverage of net charge-offs (x)	10.9516%	1,934
Efficiency ratio	57.3929%	4,156
Assets per employee ($millions)	4.7961%	2,796
Cash dividends to net income (ytd only)*	43.7828%	1,818
Condition Ratios (%)
Loss allowance to loans	1.3405%	1,914
Loan loss allowance to noncurrent loans	196.3557%	2,214
Noncurrent assets plus other real estate owned to assets	0.3576%	3,173
Noncurrent loans to loans	0.6827%	2,309
Net loans and leases to total assets	51.6785%	4,361
Net loans and leases to deposits	61.0301%	4,357
Net loans and leases to core deposits	74.5926%	3,764
Total domestic deposits to total assets	84.6770%	2,789
Equity capital to assets	11.9265%	2,074
Core capital (leverage) ratio	12.1740%	1,682
Tier 1 risk-based capital ratio	21.0679%	1,156
Total risk-based capital ratio	22.3136%	1,133
Memoranda:
Average total assets	$190,593,000	2,990
Average earning assets	$181,165,000	2,939
Average equity	$22,221,500	2,954
Average total loans	$98,420,500	3,347
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2833%	3,172
Cost of funding earning assets	0.7499%	1,790
Net interest margin	3.5334%	3,592
Noninterest income to average assets	0.3294%	3,899
Noninterest expense to average assets	2.1624%	4,421
Loan and lease loss provision to assets	0.0641%	2,876
Net operating income to assets	1.1357%	2,450
Return on assets (ROA)	1.1357%	2,450
Pretax return on assets	1.4186%	2,075
Return on Equity (ROE)	10.0786%	2,483
Retained earnings to average equity (ytd only)	5.3402%	2,569
Net charge-offs to loans	0.0640%	2,206
Credit loss provision to net charge-offs	200.0000%	1,432
Earnings coverage of net charge-offs (x)	46.2833%	1,189
Efficiency ratio	57.7267%	4,189
Assets per employee ($millions)	4.6181%	2,995
Cash dividends to net income (ytd only)*	47.0146%	2,128
Condition Ratios (%)
Loss allowance to loans	1.4302%	1,521
Loan loss allowance to noncurrent loans	555.6452%	999
Noncurrent assets plus other real estate owned to assets	0.1310%	4,168
Noncurrent loans to loans	0.2574%	3,656
Net loans and leases to total assets	50.1600%	4,507
Net loans and leases to deposits	58.3130%	4,558
Net loans and leases to core deposits	71.1551%	4,051
Total domestic deposits to total assets	86.0186%	2,222
Equity capital to assets	11.3883%	2,340
Core capital (leverage) ratio	12.1015%	1,670
Tier 1 risk-based capital ratio	21.3947%	1,113
Total risk-based capital ratio	22.6458%	1,089
Memoranda:
Average total assets	$187,292,600	2,984
Average earning assets	$175,750,600	2,970
Average equity	$21,104,200	2,979
Average total loans	$93,780,000	3,410
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2661%	3,085
Cost of funding earning assets	0.6983%	1,854
Net interest margin	3.5678%	3,465
Noninterest income to average assets	0.3326%	3,928
Noninterest expense to average assets	2.1022%	4,547
Loan and lease loss provision to assets	0.0642%	2,687
Net operating income to assets	1.2506%	2,041
Return on assets (ROA)	1.2506%	2,048
Pretax return on assets	1.5033%	1,888
Return on Equity (ROE)	11.1291%	2,131
Retained earnings to average equity (ytd only)	6.8413%	2,211
Net charge-offs to loans	0.0916%	1,582
Credit loss provision to net charge-offs	140.6250%	1,800
Earnings coverage of net charge-offs (x)	34.3130%	1,486
Efficiency ratio	55.6896%	4,422
Assets per employee ($millions)	4.5152%	3,099
Cash dividends to net income (ytd only)*	38.5275%	2,133
Condition Ratios (%)
Loss allowance to loans	1.4077%	1,666
Loan loss allowance to noncurrent loans	259.4595%	1,821
Noncurrent assets plus other real estate owned to assets	0.2731%	3,590
Noncurrent loans to loans	0.5425%	2,758
Net loans and leases to total assets	49.6377%	4,622
Net loans and leases to deposits	60.5579%	4,520
Net loans and leases to core deposits	72.6525%	4,033
Total domestic deposits to total assets	81.9674%	3,619
Equity capital to assets	10.9692%	2,689
Core capital (leverage) ratio	12.2514%	1,647
Tier 1 risk-based capital ratio	31.0330%	429
Total risk-based capital ratio	32.2905%	427
Memoranda:
Average total assets	$186,779,750	3,017
Average earning assets	$174,706,250	3,001
Average equity	$20,989,500	3,009
Average total loans	$93,136,750	3,447
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2220%	3,047
Cost of funding earning assets	0.6536%	1,910
Net interest margin	3.5684%	3,416
Noninterest income to average assets	0.3347%	3,943
Noninterest expense to average assets	2.1246%	4,550
Loan and lease loss provision to assets	0.0646%	2,606
Net operating income to assets	1.2635%	1,923
Return on assets (ROA)	1.2635%	1,924
Pretax return on assets	1.4949%	1,834
Return on Equity (ROE)	11.1533%	2,048
Retained earnings to average equity (ytd only)	6.8782%	2,127
Net charge-offs to loans	0.1473%	1,042
Credit loss provision to net charge-offs	88.2353%	2,180
Earnings coverage of net charge-offs (x)	21.3088%	1,778
Efficiency ratio	56.0619%	4,467
Assets per employee ($millions)	4.4500%	3,203
Cash dividends to net income (ytd only)*	38.3305%	2,220
Condition Ratios (%)
Loss allowance to loans	1.3978%	1,754
Loan loss allowance to noncurrent loans	141.1195%	2,879
Noncurrent assets plus other real estate owned to assets	0.4971%	2,773
Noncurrent loans to loans	0.9905%	1,762
Net loans and leases to total assets	49.4818%	4,636
Net loans and leases to deposits	61.0686%	4,474
Net loans and leases to core deposits	68.6214%	4,220
Total domestic deposits to total assets	81.0267%	3,992
Equity capital to assets	11.2232%	2,433
Core capital (leverage) ratio	12.1241%	1,634
Tier 1 risk-based capital ratio	21.5008%	1,101
Total risk-based capital ratio	22.7511%	1,078
Memoranda:
Average total assets	$185,826,330	3,037
Average earning assets	$174,420,000	3,015
Average equity	$21,052,000	3,012
Average total loans	$92,356,670	3,475
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1581%	3,033
Cost of funding earning assets	0.6573%	1,677
Net interest margin	3.5009%	3,531
Noninterest income to average assets	0.3389%	3,886
Noninterest expense to average assets	2.1048%	4,652
Loan and lease loss provision to assets	0.0648%	2,477
Net operating income to assets	1.3082%	1,616
Return on assets (ROA)	1.3082%	1,622
Pretax return on assets	1.4809%	1,724
Return on Equity (ROE)	11.4936%	1,772
Retained earnings to average equity (ytd only)	7.2262%	2,175
Net charge-offs to loans	0.2881%	534
Credit loss provision to net charge-offs	45.4545%	1,980
Earnings coverage of net charge-offs (x)	10.8485%	1,881
Efficiency ratio	56.0615%	4,570
Assets per employee ($millions)	4.2621%	3,546
Cash dividends to net income (ytd only)*	37.1287%	1,932
Condition Ratios (%)
Loss allowance to loans	1.4180%	1,771
Loan loss allowance to noncurrent loans	182.8816%	2,415
Noncurrent assets plus other real estate owned to assets	0.3825%	3,302
Noncurrent loans to loans	0.7754%	2,265
Net loans and leases to total assets	48.6299%	4,654
Net loans and leases to deposits	57.5945%	4,606
Net loans and leases to core deposits	67.4589%	4,243
Total domestic deposits to total assets	84.4350%	3,136
Equity capital to assets	11.3674%	2,246
Core capital (leverage) ratio	11.8182%	1,766
Tier 1 risk-based capital ratio	21.8245%	1,080
Total risk-based capital ratio	23.0750%	1,057
Memoranda:
Average total assets	$185,290,000	3,078
Average earning assets	$175,271,500	3,040
Average equity	$21,090,000	3,035
Average total loans	$91,639,000	3,512
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1620%	2,830
Cost of funding earning assets	0.5826%	1,723
Net interest margin	3.5794%	3,241
Noninterest income to average assets	0.4086%	3,573
Noninterest expense to average assets	2.3020%	4,322
Loan and lease loss provision to assets	0.0650%	2,914
Net operating income to assets	1.0124%	2,187
Return on assets (ROA)	1.0435%	2,109
Pretax return on assets	1.4641%	1,764
Return on Equity (ROE)	9.1179%	2,259
Retained earnings to average equity (ytd only)	5.3345%	1,907
Net charge-offs to loans	-0.0055%	4,659
Credit loss provision to net charge-offs	-2,400.0000%	5,173
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	59.2254%	4,385
Assets per employee ($millions)	4.3560%	3,399
Cash dividends to net income (ytd only)*	41.4938%	2,783
Condition Ratios (%)
Loss allowance to loans	1.4202%	1,686
Loan loss allowance to noncurrent loans	461.1888%	1,190
Noncurrent assets plus other real estate owned to assets	0.1527%	4,372
Noncurrent loans to loans	0.3080%	3,676
Net loans and leases to total assets	48.8778%	4,709
Net loans and leases to deposits	57.8406%	4,696
Net loans and leases to core deposits	69.0237%	4,232
Total domestic deposits to total assets	84.5043%	3,035
Equity capital to assets	11.3966%	2,286
Core capital (leverage) ratio	11.6393%	1,839
Tier 1 risk-based capital ratio	20.7288%	1,189
Total risk-based capital ratio	21.9791%	1,161
Memoranda:
Average total assets	$184,755,600	3,068
Average earning assets	$174,389,000	3,017
Average equity	$21,145,200	3,025
Average total loans	$91,656,600	3,497
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1463%	2,808
Cost of funding earning assets	0.5779%	1,686
Net interest margin	3.5684%	3,263
Noninterest income to average assets	0.4251%	3,520
Noninterest expense to average assets	2.2550%	4,405
Loan and lease loss provision to assets	0.0652%	2,769
Net operating income to assets	1.0957%	2,110
Return on assets (ROA)	1.1391%	1,972
Pretax return on assets	1.5309%	1,667
Return on Equity (ROE)	9.9422%	2,158
Retained earnings to average equity (ytd only)	6.1499%	2,144
Net charge-offs to loans	0.0204%	3,084
Credit loss provision to net charge-offs	642.8571%	510
Earnings coverage of net charge-offs (x)	151.6122%	531
Efficiency ratio	57.8957%	4,516
Assets per employee ($millions)	4.1126%	3,802
Cash dividends to net income (ytd only)*	38.1437%	2,375
Condition Ratios (%)
Loss allowance to loans	1.4024%	1,876
Loan loss allowance to noncurrent loans	171.9512%	2,517
Noncurrent assets plus other real estate owned to assets	0.4078%	3,403
Noncurrent loans to loans	0.8156%	2,324
Net loans and leases to total assets	49.3048%	4,751
Net loans and leases to deposits	57.7842%	4,772
Net loans and leases to core deposits	66.7095%	4,444
Total domestic deposits to total assets	85.3257%	2,585
Equity capital to assets	12.0593%	1,929
Core capital (leverage) ratio	11.5877%	1,959
Tier 1 risk-based capital ratio	21.2922%	1,145
Total risk-based capital ratio	22.5426%	1,130
Memoranda:
Average total assets	$184,117,000	3,103
Average earning assets	$173,742,250	3,053
Average equity	$21,094,750	3,058
Average total loans	$91,352,750	3,531
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1053%	2,810
Cost of funding earning assets	0.5655%	1,677
Net interest margin	3.5397%	3,256
Noninterest income to average assets	0.4547%	3,320
Noninterest expense to average assets	2.2347%	4,488
Loan and lease loss provision to assets	0.0648%	2,674
Net operating income to assets	1.1616%	1,728
Return on assets (ROA)	1.2248%	1,558
Pretax return on assets	1.5758%	1,414
Return on Equity (ROE)	10.8765%	1,687
Retained earnings to average equity (ytd only)	7.0400%	1,577
Net charge-offs to loans	0.0415%	2,365
Credit loss provision to net charge-offs	315.7895%	926
Earnings coverage of net charge-offs (x)	76.0000%	797
Efficiency ratio	57.3299%	4,671
Assets per employee ($millions)	4.2571%	3,509
Cash dividends to net income (ytd only)*	35.2734%	2,567
Condition Ratios (%)
Loss allowance to loans	1.3800%	2,033
Loan loss allowance to noncurrent loans	143.3217%	2,871
Noncurrent assets plus other real estate owned to assets	0.4703%	3,222
Noncurrent loans to loans	0.9629%	2,033
Net loans and leases to total assets	48.1743%	4,813
Net loans and leases to deposits	56.4448%	4,840
Net loans and leases to core deposits	64.7432%	4,554
Total domestic deposits to total assets	85.3477%	2,670
Equity capital to assets	11.8592%	2,034
Core capital (leverage) ratio	11.5817%	1,915
Tier 1 risk-based capital ratio	21.3008%	1,144
Total risk-based capital ratio	22.5507%	1,125
Memoranda:
Average total assets	$185,170,670	3,106
Average earning assets	$174,702,670	3,053
Average equity	$20,852,330	3,075
Average total loans	$91,640,670	3,546
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1049%	2,637
Cost of funding earning assets	0.5411%	1,773
Net interest margin	3.5637%	3,032
Noninterest income to average assets	0.3566%	3,986
Noninterest expense to average assets	2.1995%	4,645
Loan and lease loss provision to assets	0.0644%	2,512
Net operating income to assets	1.2095%	1,487
Return on assets (ROA)	1.2007%	1,541
Pretax return on assets	1.4627%	1,654
Return on Equity (ROE)	10.9479%	1,585
Retained earnings to average equity (ytd only)	10.9479%	616
Net charge-offs to loans	0.0129%	2,546
Credit loss provision to net charge-offs	1,000.0000%	309
Earnings coverage of net charge-offs (x)	238.6667%	242
Efficiency ratio	57.2989%	4,797
Assets per employee ($millions)	4.0353%	3,951
Cash dividends to net income (ytd only)*	0.0000%	2,824
Condition Ratios (%)
Loss allowance to loans	1.3411%	2,335
Loan loss allowance to noncurrent loans	758.3851%	737
Noncurrent assets plus other real estate owned to assets	0.0867%	4,929
Noncurrent loans to loans	0.1768%	4,491
Net loans and leases to total assets	48.3882%	4,790
Net loans and leases to deposits	57.3251%	4,744
Net loans and leases to core deposits	65.5379%	4,457
Total domestic deposits to total assets	84.4101%	3,331
Equity capital to assets	11.2479%	2,387
Core capital (leverage) ratio	11.3642%	2,051
Tier 1 risk-based capital ratio	20.6694%	1,269
Total risk-based capital ratio	21.8925%	1,253
Memoranda:
Average total assets	$186,228,000	3,129
Average earning assets	$176,668,500	3,061
Average equity	$20,424,000	3,132
Average total loans	$92,751,000	3,541
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1777%	2,563
Cost of funding earning assets	0.5452%	1,742
Net interest margin	3.6324%	2,951
Noninterest income to average assets	0.3679%	4,110
Noninterest expense to average assets	2.3205%	4,509
Loan and lease loss provision to assets	0.0806%	2,749
Net operating income to assets	1.0487%	2,147
Return on assets (ROA)	1.0516%	2,234
Pretax return on assets	1.4106%	1,902
Return on Equity (ROE)	9.0849%	2,378
Retained earnings to average equity (ytd only)	6.6360%	1,389
Net charge-offs to loans	0.1672%	1,619
Credit loss provision to net charge-offs	93.5484%	2,734
Earnings coverage of net charge-offs (x)	17.2645%	2,059
Efficiency ratio	59.3490%	4,681
Assets per employee ($millions)	4.3449%	3,367
Cash dividends to net income (ytd only)*	26.9556%	3,439
Condition Ratios (%)
Loss allowance to loans	1.2630%	2,741
Loan loss allowance to noncurrent loans	611.7949%	913
Noncurrent assets plus other real estate owned to assets	0.1044%	4,903
Noncurrent loans to loans	0.2064%	4,419
Net loans and leases to total assets	49.9208%	4,766
Net loans and leases to deposits	57.5911%	4,824
Net loans and leases to core deposits	65.1483%	4,567
Total domestic deposits to total assets	86.6815%	2,295
Equity capital to assets	10.6883%	2,939
Core capital (leverage) ratio	10.8218%	2,514
Tier 1 risk-based capital ratio	19.4789%	1,483
Total risk-based capital ratio	20.6374%	1,467
Memoranda:
Average total assets	$179,919,600	3,165
Average earning assets	$170,381,800	3,108
Average equity	$20,825,800	3,080
Average total loans	$92,714,400	3,522
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1826%	2,566
Cost of funding earning assets	0.5389%	1,800
Net interest margin	3.6437%	2,917
Noninterest income to average assets	0.3674%	4,148
Noninterest expense to average assets	2.2739%	4,595
Loan and lease loss provision to assets	0.0860%	2,506
Net operating income to assets	1.0907%	2,038
Return on assets (ROA)	1.0947%	2,124
Pretax return on assets	1.4628%	1,843
Return on Equity (ROE)	9.2710%	2,372
Retained earnings to average equity (ytd only)	7.6867%	1,322
Net charge-offs to loans	0.0217%	3,252
Credit loss provision to net charge-offs	766.6667%	519
Earnings coverage of net charge-offs (x)	137.5300%	501
Efficiency ratio	57.9577%	4,820
Assets per employee ($millions)	3.9813%	3,999
Cash dividends to net income (ytd only)*	17.0884%	3,336
Condition Ratios (%)
Loss allowance to loans	1.4050%	2,178
Loan loss allowance to noncurrent loans	1,242.8571%	474
Noncurrent assets plus other real estate owned to assets	0.0586%	5,210
Noncurrent loans to loans	0.1130%	4,886
Net loans and leases to total assets	51.1163%	4,726
Net loans and leases to deposits	61.2700%	4,671
Net loans and leases to core deposits	69.3975%	4,370
Total domestic deposits to total assets	83.4280%	3,437
Equity capital to assets	12.2244%	1,968
Core capital (leverage) ratio	11.2027%	2,269
Tier 1 risk-based capital ratio	19.9924%	1,449
Total risk-based capital ratio	21.2428%	1,408
Memoranda:
Average total assets	$178,192,000	3,195
Average earning assets	$168,726,750	3,142
Average equity	$21,040,000	3,088
Average total loans	$92,278,000	3,544
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1634%	2,625
Cost of funding earning assets	0.5280%	1,883
Net interest margin	3.6354%	2,955
Noninterest income to average assets	0.3340%	4,396
Noninterest expense to average assets	2.2679%	4,690
Loan and lease loss provision to assets	0.0956%	2,245
Net operating income to assets	1.0923%	1,984
Return on assets (ROA)	1.0941%	2,104
Pretax return on assets	1.4179%	1,958
Return on Equity (ROE)	9.3770%	2,324
Retained earnings to average equity (ytd only)	6.9677%	1,620
Net charge-offs to loans	0.0304%	2,864
Credit loss provision to net charge-offs	607.1429%	555
Earnings coverage of net charge-offs (x)	96.0000%	603
Efficiency ratio	58.4052%	4,845
Assets per employee ($millions)	3.9781%	3,955
Cash dividends to net income (ytd only)*	25.6937%	3,001
Condition Ratios (%)
Loss allowance to loans	1.3692%	2,438
Loan loss allowance to noncurrent loans	843.7086%	682
Noncurrent assets plus other real estate owned to assets	0.0844%	5,190
Noncurrent loans to loans	0.1623%	4,792
Net loans and leases to total assets	51.2647%	4,740
Net loans and leases to deposits	61.4488%	4,699
Net loans and leases to core deposits	68.4626%	4,439
Total domestic deposits to total assets	83.4266%	3,494
Equity capital to assets	12.0408%	2,099
Core capital (leverage) ratio	10.9430%	2,495
Tier 1 risk-based capital ratio	19.5231%	1,560
Total risk-based capital ratio	20.7733%	1,523
Memoranda:
Average total assets	$177,870,000	3,215
Average earning assets	$168,562,670	3,161
Average equity	$20,753,000	3,124
Average total loans	$92,076,000	3,567
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1431%	2,672
Cost of funding earning assets	0.5179%	1,959
Net interest margin	3.6253%	2,986
Noninterest income to average assets	0.3339%	4,346
Noninterest expense to average assets	2.3238%	4,593
Loan and lease loss provision to assets	0.1128%	1,852
Net operating income to assets	1.0702%	2,014
Return on assets (ROA)	1.0739%	2,107
Pretax return on assets	1.3288%	2,191
Return on Equity (ROE)	9.3553%	2,263
Retained earnings to average equity (ytd only)	9.3553%	1,013
Net charge-offs to loans	0.0568%	1,949
Credit loss provision to net charge-offs	384.6154%	729
Earnings coverage of net charge-offs (x)	49.0000%	894
Efficiency ratio	60.1680%	4,722
Assets per employee ($millions)	3.8814%	4,158
Cash dividends to net income (ytd only)*	0.0000%	2,863
Condition Ratios (%)
Loss allowance to loans	1.3354%	2,733
Loan loss allowance to noncurrent loans	353.5613%	1,395
Noncurrent assets plus other real estate owned to assets	0.1966%	4,777
Noncurrent loans to loans	0.3777%	4,085
Net loans and leases to total assets	51.3526%	4,698
Net loans and leases to deposits	61.2030%	4,636
Net loans and leases to core deposits	68.1399%	4,393
Total domestic deposits to total assets	83.9054%	3,555
Equity capital to assets	11.6610%	2,277
Core capital (leverage) ratio	10.9440%	2,451
Tier 1 risk-based capital ratio	19.2673%	1,669
Total risk-based capital ratio	20.5191%	1,634
Memoranda:
Average total assets	$177,297,000	3,225
Average earning assets	$167,602,000	3,178
Average equity	$20,352,000	3,161
Average total loans	$91,591,000	3,585
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1618%	2,702
Cost of funding earning assets	0.5156%	2,028
Net interest margin	3.6462%	2,957
Noninterest income to average assets	0.3666%	4,283
Noninterest expense to average assets	2.4068%	4,494
Loan and lease loss provision to assets	0.1392%	1,701
Net operating income to assets	0.9479%	2,625
Return on assets (ROA)	0.9548%	2,669
Pretax return on assets	1.2756%	2,378
Return on Equity (ROE)	8.4693%	2,723
Retained earnings to average equity (ytd only)	5.8966%	1,845
Net charge-offs to loans	0.0607%	3,010
Credit loss provision to net charge-offs	444.4444%	689
Earnings coverage of net charge-offs (x)	44.8704%	1,079
Efficiency ratio	61.0469%	4,753
Assets per employee ($millions)	3.8272%	4,243
Cash dividends to net income (ytd only)*	30.3767%	3,329
Condition Ratios (%)
Loss allowance to loans	1.3340%	2,737
Loan loss allowance to noncurrent loans	247.2279%	1,942
Noncurrent assets plus other real estate owned to assets	0.2766%	4,481
Noncurrent loans to loans	0.5396%	3,546
Net loans and leases to total assets	50.5822%	4,817
Net loans and leases to deposits	59.1423%	4,839
Net loans and leases to core deposits	66.1506%	4,579
Total domestic deposits to total assets	85.5263%	2,848
Equity capital to assets	11.2945%	2,546
Core capital (leverage) ratio	10.7774%	2,625
Tier 1 risk-based capital ratio	19.1199%	1,680
Total risk-based capital ratio	20.3569%	1,635
Memoranda:
Average total assets	$172,390,000	3,268
Average earning assets	$162,911,400	3,214
Average equity	$19,435,000	3,225
Average total loans	$88,900,000	3,614
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1617%	2,710
Cost of funding earning assets	0.5109%	2,112
Net interest margin	3.6509%	2,958
Noninterest income to average assets	0.3833%	4,196
Noninterest expense to average assets	2.3381%	4,682
Loan and lease loss provision to assets	0.1400%	1,584
Net operating income to assets	1.0163%	2,388
Return on assets (ROA)	1.0256%	2,437
Pretax return on assets	1.3685%	2,139
Return on Equity (ROE)	9.1013%	2,529
Retained earnings to average equity (ytd only)	7.0312%	1,669
Net charge-offs to loans	0.0768%	2,467
Credit loss provision to net charge-offs	352.9412%	833
Earnings coverage of net charge-offs (x)	37.7246%	1,302
Efficiency ratio	58.8724%	5,020
Assets per employee ($millions)	3.6316%	4,552
Cash dividends to net income (ytd only)*	22.7445%	3,130
Condition Ratios (%)
Loss allowance to loans	1.2684%	3,265
Loan loss allowance to noncurrent loans	185.7605%	2,403
Noncurrent assets plus other real estate owned to assets	0.3796%	4,243
Noncurrent loans to loans	0.6828%	3,271
Net loans and leases to total assets	52.3535%	4,719
Net loans and leases to deposits	61.5573%	4,753
Net loans and leases to core deposits	70.4785%	4,325
Total domestic deposits to total assets	85.0484%	2,987
Equity capital to assets	11.6391%	2,387
Core capital (leverage) ratio	10.9869%	2,502
Tier 1 risk-based capital ratio	19.2690%	1,717
Total risk-based capital ratio	20.4671%	1,690
Memoranda:
Average total assets	$171,475,000	3,307
Average earning assets	$162,075,500	3,253
Average equity	$19,322,750	3,267
Average total loans	$88,561,500	3,652
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1262%	2,800
Cost of funding earning assets	0.5187%	2,079
Net interest margin	3.6075%	3,058
Noninterest income to average assets	0.3960%	4,102
Noninterest expense to average assets	2.3291%	4,773
Loan and lease loss provision to assets	0.1397%	1,560
Net operating income to assets	1.0104%	2,337
Return on assets (ROA)	1.0236%	2,385
Pretax return on assets	1.3544%	2,169
Return on Equity (ROE)	9.1842%	2,438
Retained earnings to average equity (ytd only)	7.0945%	1,660
Net charge-offs to loans	-0.0341%	5,378
Credit loss provision to net charge-offs	-800.0000%	5,309
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	59.0575%	5,104
Assets per employee ($millions)	3.6089%	4,612
Cash dividends to net income (ytd only)*	22.7531%	3,096
Condition Ratios (%)
Loss allowance to loans	1.2890%	3,307
Loan loss allowance to noncurrent loans	310.5121%	1,581
Noncurrent assets plus other real estate owned to assets	0.2187%	4,992
Noncurrent loans to loans	0.4151%	4,233
Net loans and leases to total assets	52.0101%	4,754
Net loans and leases to deposits	60.9315%	4,782
Net loans and leases to core deposits	68.1807%	4,475
Total domestic deposits to total assets	85.3584%	2,984
Equity capital to assets	11.2564%	2,611
Core capital (leverage) ratio	10.6659%	2,773
Tier 1 risk-based capital ratio	19.5992%	1,642
Total risk-based capital ratio	20.8464%	1,611
Memoranda:
Average total assets	$171,738,670	3,318
Average earning assets	$162,327,670	3,268
Average equity	$19,141,670	3,305
Average total loans	$87,913,000	3,693
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0315%	3,118
Cost of funding earning assets	0.5217%	2,095
Net interest margin	3.5098%	3,393
Noninterest income to average assets	0.3056%	4,745
Noninterest expense to average assets	2.2454%	5,018
Loan and lease loss provision to assets	0.1389%	1,482
Net operating income to assets	1.0155%	2,192
Return on assets (ROA)	1.0440%	2,202
Pretax return on assets	1.2732%	2,379
Return on Equity (ROE)	9.4125%	2,260
Retained earnings to average equity (ytd only)	7.3255%	1,844
Net charge-offs to loans	-0.0092%	4,682
Credit loss provision to net charge-offs	-3,000.0000%	5,187
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	59.7444%	5,125
Assets per employee ($millions)	3.7481%	4,426
Cash dividends to net income (ytd only)*	22.1729%	2,506
Condition Ratios (%)
Loss allowance to loans	1.2461%	3,711
Loan loss allowance to noncurrent loans	303.9437%	1,580
Noncurrent assets plus other real estate owned to assets	0.2059%	5,132
Noncurrent loans to loans	0.4100%	4,357
Net loans and leases to total assets	49.5966%	4,894
Net loans and leases to deposits	58.3964%	4,883
Net loans and leases to core deposits	64.9055%	4,613
Total domestic deposits to total assets	84.9310%	3,440
Equity capital to assets	11.4220%	2,538
Core capital (leverage) ratio	10.3978%	3,102
Tier 1 risk-based capital ratio	19.5591%	1,720
Total risk-based capital ratio	20.7478%	1,694
Memoranda:
Average total assets	$172,798,500	3,320
Average earning assets	$163,314,000	3,275
Average equity	$19,166,000	3,323
Average total loans	$87,184,000	3,721
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1755%	3,024
Cost of funding earning assets	0.5866%	1,891
Net interest margin	3.5889%	3,451
Noninterest income to average assets	0.3561%	4,554
Noninterest expense to average assets	2.4036%	4,835
Loan and lease loss provision to assets	0.1468%	1,798
Net operating income to assets	0.9335%	2,708
Return on assets (ROA)	0.9349%	2,792
Pretax return on assets	1.2021%	2,644
Return on Equity (ROE)	9.2877%	2,448
Retained earnings to average equity (ytd only)	5.0998%	2,528
Net charge-offs to loans	0.0383%	4,062
Credit loss provision to net charge-offs	784.3750%	344
Earnings coverage of net charge-offs (x)	72.0000%	695
Efficiency ratio	62.5409%	4,824
Assets per employee ($millions)	3.9360%	4,092
Cash dividends to net income (ytd only)*	45.0907%	2,562
Condition Ratios (%)
Loss allowance to loans	1.1597%	4,228
Loan loss allowance to noncurrent loans	287.5706%	1,683
Noncurrent assets plus other real estate owned to assets	0.2194%	5,146
Noncurrent loans to loans	0.4033%	4,430
Net loans and leases to total assets	50.0970%	4,965
Net loans and leases to deposits	59.5638%	4,938
Net loans and leases to core deposits	65.1684%	4,734
Total domestic deposits to total assets	84.1065%	3,661
Equity capital to assets	10.7625%	3,167
Core capital (leverage) ratio	10.0104%	3,556
Tier 1 risk-based capital ratio	18.3507%	2,032
Total risk-based capital ratio	19.4376%	2,042
Memoranda:
Average total assets	$171,031,600	3,324
Average earning assets	$161,775,800	3,255
Average equity	$17,216,400	3,500
Average total loans	$83,475,200	3,781
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1548%	3,155
Cost of funding earning assets	0.6114%	1,746
Net interest margin	3.5434%	3,656
Noninterest income to average assets	0.3574%	4,580
Noninterest expense to average assets	2.3742%	4,900
Loan and lease loss provision to assets	0.1494%	1,672
Net operating income to assets	0.9420%	2,722
Return on assets (ROA)	0.9439%	2,801
Pretax return on assets	1.1902%	2,817
Return on Equity (ROE)	9.5446%	2,430
Retained earnings to average equity (ytd only)	5.7489%	2,573
Net charge-offs to loans	0.0307%	3,870
Credit loss provision to net charge-offs	1,005.2632%	324
Earnings coverage of net charge-offs (x)	90.0095%	638
Efficiency ratio	62.4105%	4,826
Assets per employee ($millions)	3.5232%	4,822
Cash dividends to net income (ytd only)*	39.7678%	2,360
Condition Ratios (%)
Loss allowance to loans	1.1299%	4,609
Loan loss allowance to noncurrent loans	132.8317%	3,001
Noncurrent assets plus other real estate owned to assets	0.4234%	4,647
Noncurrent loans to loans	0.8506%	3,439
Net loans and leases to total assets	49.2180%	5,089
Net loans and leases to deposits	58.2036%	5,088
Net loans and leases to core deposits	64.7439%	4,824
Total domestic deposits to total assets	84.5617%	3,520
Equity capital to assets	10.4138%	3,666
Core capital (leverage) ratio	10.1095%	3,517
Tier 1 risk-based capital ratio	17.8439%	2,260
Total risk-based capital ratio	18.8624%	2,312
Memoranda:
Average total assets	$170,493,500	3,357
Average earning assets	$161,384,500	3,288
Average equity	$16,860,750	3,559
Average total loans	$82,399,500	3,835
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1316%	3,222
Cost of funding earning assets	0.6013%	1,886
Net interest margin	3.5303%	3,655
Noninterest income to average assets	0.3558%	4,575
Noninterest expense to average assets	2.4019%	4,873
Loan and lease loss provision to assets	0.1543%	1,600
Net operating income to assets	0.9230%	2,690
Return on assets (ROA)	0.9259%	2,781
Pretax return on assets	1.1438%	2,913
Return on Equity (ROE)	9.5340%	2,362
Retained earnings to average equity (ytd only)	3.7117%	3,832
Net charge-offs to loans	0.0542%	3,190
Credit loss provision to net charge-offs	595.4545%	511
Earnings coverage of net charge-offs (x)	49.9545%	910
Efficiency ratio	63.3843%	4,789
Assets per employee ($millions)	3.5834%	4,696
Cash dividends to net income (ytd only)*	61.0687%	1,481
Condition Ratios (%)
Loss allowance to loans	1.1069%	4,875
Loan loss allowance to noncurrent loans	149.0969%	2,738
Noncurrent assets plus other real estate owned to assets	0.3616%	4,940
Noncurrent loans to loans	0.7424%	3,846
Net loans and leases to total assets	48.1686%	5,159
Net loans and leases to deposits	55.8624%	5,198
Net loans and leases to core deposits	60.7669%	5,076
Total domestic deposits to total assets	86.2272%	2,915
Equity capital to assets	10.3023%	3,694
Core capital (leverage) ratio	9.9601%	3,665
Tier 1 risk-based capital ratio	17.7178%	2,345
Total risk-based capital ratio	18.6890%	2,413
Memoranda:
Average total assets	$169,779,330	3,385
Average earning assets	$160,665,000	3,315
Average equity	$16,488,330	3,619
Average total loans	$81,219,670	3,872
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1039%	3,265
Cost of funding earning assets	0.6050%	1,933
Net interest margin	3.4989%	3,694
Noninterest income to average assets	0.3661%	4,457
Noninterest expense to average assets	2.4123%	4,888
Loan and lease loss provision to assets	0.1408%	1,728
Net operating income to assets	0.9832%	2,273
Return on assets (ROA)	0.9832%	2,331
Pretax return on assets	1.1240%	2,797
Return on Equity (ROE)	10.4378%	1,893
Retained earnings to average equity (ytd only)	4.4591%	3,446
Net charge-offs to loans	0.0148%	3,295
Credit loss provision to net charge-offs	2,000.0000%	170
Earnings coverage of net charge-offs (x)	179.6667%	276
Efficiency ratio	64.0077%	4,855
Assets per employee ($millions)	3.7123%	4,491
Cash dividends to net income (ytd only)*	57.2792%	1,486
Condition Ratios (%)
Loss allowance to loans	1.0699%	5,248
Loan loss allowance to noncurrent loans	116.6439%	3,242
Noncurrent assets plus other real estate owned to assets	0.4292%	4,852
Noncurrent loans to loans	0.9172%	3,590
Net loans and leases to total assets	46.2981%	5,309
Net loans and leases to deposits	53.2828%	5,348
Net loans and leases to core deposits	57.8003%	5,216
Total domestic deposits to total assets	86.8913%	2,878
Equity capital to assets	9.6636%	4,281
Core capital (leverage) ratio	9.8604%	3,775
Tier 1 risk-based capital ratio	17.4181%	2,506
Total risk-based capital ratio	18.3254%	2,607
Memoranda:
Average total assets	$170,459,500	3,401
Average earning assets	$161,309,000	3,332
Average equity	$16,057,000	3,688
Average total loans	$80,813,000	3,908
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2368%	3,210
Cost of funding earning assets	0.7051%	1,776
Net interest margin	3.5317%	3,754
Noninterest income to average assets	0.3873%	4,535
Noninterest expense to average assets	2.3901%	5,101
Loan and lease loss provision to assets	0.2729%	1,291
Net operating income to assets	0.8109%	3,237
Return on assets (ROA)	0.8168%	3,306
Pretax return on assets	1.0416%	3,183
Return on Equity (ROE)	8.1778%	2,940
Retained earnings to average equity (ytd only)	4.9995%	2,595
Net charge-offs to loans	0.7727%	815
Credit loss provision to net charge-offs	75.2427%	3,166
Earnings coverage of net charge-offs (x)	3.6036%	3,809
Efficiency ratio	62.7143%	5,098
Assets per employee ($millions)	3.6990%	4,481
Cash dividends to net income (ytd only)*	38.8649%	2,867
Condition Ratios (%)
Loss allowance to loans	0.9778%	5,671
Loan loss allowance to noncurrent loans	192.0673%	2,171
Noncurrent assets plus other real estate owned to assets	0.4702%	4,832
Noncurrent loans to loans	0.5091%	4,723
Net loans and leases to total assets	47.5516%	5,343
Net loans and leases to deposits	54.4302%	5,436
Net loans and leases to core deposits	59.1295%	5,291
Total domestic deposits to total assets	87.3626%	2,543
Equity capital to assets	9.1752%	4,837
Core capital (leverage) ratio	9.7037%	3,978
Tier 1 risk-based capital ratio	16.7675%	2,734
Total risk-based capital ratio	17.5893%	2,894
Memoranda:
Average total assets	$170,414,400	3,404
Average earning assets	$159,696,400	3,353
Average equity	$17,021,600	3,562
Average total loans	$79,976,800	3,940
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2524%	3,191
Cost of funding earning assets	0.7255%	1,770
Net interest margin	3.5269%	3,765
Noninterest income to average assets	0.3950%	4,567
Noninterest expense to average assets	2.3173%	5,285
Loan and lease loss provision to assets	0.2855%	1,210
Net operating income to assets	0.8508%	3,093
Return on assets (ROA)	0.8587%	3,164
Pretax return on assets	1.0988%	3,115
Return on Equity (ROE)	8.4262%	2,910
Retained earnings to average equity (ytd only)	6.1239%	2,332
Net charge-offs to loans	0.5531%	1,149
Credit loss provision to net charge-offs	110.6061%	2,133
Earnings coverage of net charge-offs (x)	5.3242%	3,221
Efficiency ratio	60.7203%	5,324
Assets per employee ($millions)	3.9405%	3,961
Cash dividends to net income (ytd only)*	27.3225%	2,791
Condition Ratios (%)
Loss allowance to loans	1.2272%	4,755
Loan loss allowance to noncurrent loans	182.5926%	2,168
Noncurrent assets plus other real estate owned to assets	0.5217%	4,873
Noncurrent loans to loans	0.6721%	4,522
Net loans and leases to total assets	46.8346%	5,462
Net loans and leases to deposits	53.7864%	5,556
Net loans and leases to core deposits	58.9086%	5,375
Total domestic deposits to total assets	87.0751%	2,650
Equity capital to assets	9.4422%	4,625
Core capital (leverage) ratio	9.7688%	4,004
Tier 1 risk-based capital ratio	16.8803%	2,762
Total risk-based capital ratio	17.9120%	2,838
Memoranda:
Average total assets	$170,479,500	3,436
Average earning assets	$159,342,250	3,385
Average equity	$17,374,000	3,550
Average total loans	$79,543,500	3,982
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2106%	3,323
Cost of funding earning assets	0.7436%	1,744
Net interest margin	3.4669%	3,940
Noninterest income to average assets	0.4016%	4,518
Noninterest expense to average assets	2.3345%	5,263
Loan and lease loss provision to assets	0.2810%	1,302
Net operating income to assets	0.8196%	3,197
Return on assets (ROA)	0.8242%	3,331
Pretax return on assets	1.0397%	3,334
Return on Equity (ROE)	7.8958%	3,147
Retained earnings to average equity (ytd only)	7.8958%	1,531
Net charge-offs to loans	0.7543%	853
Credit loss provision to net charge-offs	80.2676%	2,619
Earnings coverage of net charge-offs (x)	3.7559%	3,308
Efficiency ratio	61.6298%	5,226
Assets per employee ($millions)	3.9637%	3,886
Cash dividends to net income (ytd only)*	0.0000%	3,522
Condition Ratios (%)
Loss allowance to loans	1.1275%	5,335
Loan loss allowance to noncurrent loans	109.5823%	3,221
Noncurrent assets plus other real estate owned to assets	0.6842%	4,513
Noncurrent loans to loans	1.0289%	3,874
Net loans and leases to total assets	46.9879%	5,426
Net loans and leases to deposits	53.7386%	5,541
Net loans and leases to core deposits	58.3975%	5,388
Total domestic deposits to total assets	87.4379%	2,571
Equity capital to assets	9.9149%	4,024
Core capital (leverage) ratio	9.5827%	4,104
Tier 1 risk-based capital ratio	17.1884%	2,645
Total risk-based capital ratio	18.1416%	2,726
Memoranda:
Average total assets	$170,825,670	3,447
Average earning assets	$160,025,670	3,398
Average equity	$17,832,330	3,511
Average total loans	$79,277,000	4,001
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1959%	3,321
Cost of funding earning assets	0.7775%	1,658
Net interest margin	3.4184%	4,050
Noninterest income to average assets	0.3838%	4,589
Noninterest expense to average assets	2.1179%	5,871
Loan and lease loss provision to assets	0.3815%	837
Net operating income to assets	0.8809%	2,745
Return on assets (ROA)	0.8809%	2,895
Pretax return on assets	1.0867%	3,009
Return on Equity (ROE)	8.2398%	2,857
Retained earnings to average equity (ytd only)	8.2398%	1,667
Net charge-offs to loans	0.5998%	1,018
Credit loss provision to net charge-offs	138.6555%	1,445
Earnings coverage of net charge-offs (x)	5.3361%	2,375
Efficiency ratio	58.5429%	5,776
Assets per employee ($millions)	4.1205%	3,696
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	1.2878%	4,767
Loan loss allowance to noncurrent loans	84.4915%	3,803
Noncurrent assets plus other real estate owned to assets	0.7466%	4,504
Noncurrent loans to loans	1.5242%	3,261
Net loans and leases to total assets	44.1581%	5,645
Net loans and leases to deposits	51.2745%	5,685
Net loans and leases to core deposits	56.7040%	5,455
Total domestic deposits to total assets	86.1210%	3,465
Equity capital to assets	10.6697%	3,351
Core capital (leverage) ratio	9.1508%	4,638
Tier 1 risk-based capital ratio	16.8596%	2,826
Total risk-based capital ratio	17.9353%	2,882
Memoranda:
Average total assets	$173,000,000	3,448
Average earning assets	$162,064,000	3,399
Average equity	$18,495,500	3,451
Average total loans	$79,357,500	4,025
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6292%	2,882
Cost of funding earning assets	0.8902%	1,988
Net interest margin	3.7390%	3,480
Noninterest income to average assets	0.4335%	4,365
Noninterest expense to average assets	2.3122%	5,660
Loan and lease loss provision to assets	0.1885%	3,285
Net operating income to assets	1.1030%	1,927
Return on assets (ROA)	1.2239%	1,690
Pretax return on assets	1.5972%	1,400
Return on Equity (ROE)	11.4626%	1,667
Retained earnings to average equity (ytd only)	4.6780%	2,922
Net charge-offs to loans	0.1678%	4,035
Credit loss provision to net charge-offs	223.8806%	1,118
Earnings coverage of net charge-offs (x)	19.3433%	1,389
Efficiency ratio	58.1952%	5,802
Assets per employee ($millions)	4.3235%	3,302
Cash dividends to net income (ytd only)*	59.1889%	1,844
Condition Ratios (%)
Loss allowance to loans	1.1698%	5,265
Loan loss allowance to noncurrent loans	80.5932%	3,893
Noncurrent assets plus other real estate owned to assets	0.7112%	4,701
Noncurrent loans to loans	1.4515%	3,423
Net loans and leases to total assets	46.4595%	5,573
Net loans and leases to deposits	54.0704%	5,640
Net loans and leases to core deposits	59.7216%	5,391
Total domestic deposits to total assets	85.9240%	3,387
Equity capital to assets	10.7124%	3,268
Core capital (leverage) ratio	9.1663%	4,634
Tier 1 risk-based capital ratio	15.8379%	3,251
Total risk-based capital ratio	16.8264%	3,344
Memoranda:
Average total assets	$159,157,400	3,636
Average earning assets	$149,292,800	3,571
Average equity	$16,994,400	3,633
Average total loans	$79,869,200	4,045
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7084%	2,776
Cost of funding earning assets	0.9156%	2,066
Net interest margin	3.7928%	3,366
Noninterest income to average assets	0.4333%	4,399
Noninterest expense to average assets	2.1775%	5,996
Loan and lease loss provision to assets	0.1927%	3,173
Net operating income to assets	1.2257%	1,649
Return on assets (ROA)	1.3863%	1,382
Pretax return on assets	1.8418%	967
Return on Equity (ROE)	12.9947%	1,339
Retained earnings to average equity (ytd only)	11.7907%	566
Net charge-offs to loans	0.1375%	4,016
Credit loss provision to net charge-offs	274.3902%	993
Earnings coverage of net charge-offs (x)	25.9270%	1,231
Efficiency ratio	53.9730%	6,252
Assets per employee ($millions)	4.2677%	3,342
Cash dividends to net income (ytd only)*	9.2652%	3,457
Condition Ratios (%)
Loss allowance to loans	1.1605%	5,470
Loan loss allowance to noncurrent loans	97.1728%	3,312
Noncurrent assets plus other real estate owned to assets	0.7048%	4,925
Noncurrent loans to loans	1.1942%	4,064
Net loans and leases to total assets	47.4880%	5,608
Net loans and leases to deposits	55.7830%	5,652
Net loans and leases to core deposits	61.7888%	5,383
Total domestic deposits to total assets	85.1298%	3,693
Equity capital to assets	11.4480%	2,804
Core capital (leverage) ratio	10.1501%	3,349
Tier 1 risk-based capital ratio	16.8690%	2,799
Total risk-based capital ratio	17.8598%	2,907
Memoranda:
Average total assets	$155,711,750	3,725
Average earning assets	$146,345,500	3,654
Average equity	$16,611,500	3,718
Average total loans	$79,512,000	4,094
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7948%	2,534
Cost of funding earning assets	0.9305%	2,180
Net interest margin	3.8643%	3,068
Noninterest income to average assets	0.4443%	4,337
Noninterest expense to average assets	2.0679%	6,298
Loan and lease loss provision to assets	0.1972%	3,113
Net operating income to assets	1.3849%	1,217
Return on assets (ROA)	1.4658%	1,187
Pretax return on assets	1.9272%	810
Return on Equity (ROE)	14.1163%	1,088
Retained earnings to average equity (ytd only)	12.2173%	548
Net charge-offs to loans	0.1890%	3,448
Credit loss provision to net charge-offs	200.0000%	1,419
Earnings coverage of net charge-offs (x)	20.4667%	1,386
Efficiency ratio	50.1287%	6,637
Assets per employee ($millions)	4.3184%	3,228
Cash dividends to net income (ytd only)*	13.4529%	3,211
Condition Ratios (%)
Loss allowance to loans	1.0854%	5,843
Loan loss allowance to noncurrent loans	125.9151%	2,602
Noncurrent assets plus other real estate owned to assets	0.6374%	5,180
Noncurrent loans to loans	0.8620%	4,781
Net loans and leases to total assets	50.4149%	5,303
Net loans and leases to deposits	59.7358%	5,260
Net loans and leases to core deposits	68.9192%	4,679
Total domestic deposits to total assets	84.3964%	4,145
Equity capital to assets	10.6494%	3,513
Core capital (leverage) ratio	9.3360%	4,401
Tier 1 risk-based capital ratio	15.9712%	3,181
Total risk-based capital ratio	16.9348%	3,305
Memoranda:
Average total assets	$152,135,670	3,802
Average earning assets	$143,362,670	3,728
Average equity	$15,797,330	3,836
Average total loans	$79,360,330	4,122
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8130%	2,579
Cost of funding earning assets	0.9547%	2,272
Net interest margin	3.8584%	3,102
Noninterest income to average assets	0.4147%	4,561
Noninterest expense to average assets	1.9858%	6,488
Loan and lease loss provision to assets	0.1994%	2,943
Net operating income to assets	1.5179%	987
Return on assets (ROA)	1.5179%	1,112
Pretax return on assets	1.8502%	974
Return on Equity (ROE)	14.8139%	1,011
Retained earnings to average equity (ytd only)	10.9223%	1,048
Net charge-offs to loans	-0.0403%	6,453
Credit loss provision to net charge-offs	-937.5000%	5,913
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	48.7484%	6,751
Assets per employee ($millions)	4.2497%	3,488
Cash dividends to net income (ytd only)*	26.2697%	2,186
Condition Ratios (%)
Loss allowance to loans	1.1115%	5,863
Loan loss allowance to noncurrent loans	73.6842%	3,891
Noncurrent assets plus other real estate owned to assets	0.9471%	4,612
Noncurrent loans to loans	1.5085%	3,859
Net loans and leases to total assets	50.4758%	5,239
Net loans and leases to deposits	59.3950%	5,234
Net loans and leases to core deposits	68.0991%	4,666
Total domestic deposits to total assets	84.9833%	4,048
Equity capital to assets	10.1706%	3,888
Core capital (leverage) ratio	9.2127%	4,494
Tier 1 risk-based capital ratio	15.6388%	3,369
Total risk-based capital ratio	16.6294%	3,476
Memoranda:
Average total assets	$150,471,500	3,864
Average earning assets	$141,200,000	3,789
Average equity	$15,418,000	3,909
Average total loans	$79,422,000	4,138
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2880%	1,739
Cost of funding earning assets	1.1712%	2,212
Net interest margin	4.1167%	2,361
Noninterest income to average assets	0.4730%	4,040
Noninterest expense to average assets	2.4549%	5,622
Loan and lease loss provision to assets	0.2747%	3,470
Net operating income to assets	1.2374%	1,411
Return on assets (ROA)	1.2483%	1,482
Pretax return on assets	1.6201%	1,162
Return on Equity (ROE)	13.0238%	1,162
Retained earnings to average equity (ytd only)	11.9157%	310
Net charge-offs to loans	0.5273%	2,891
Credit loss provision to net charge-offs	92.1615%	3,915
Earnings coverage of net charge-offs (x)	6.3088%	2,545
Efficiency ratio	56.1326%	6,298
Assets per employee ($millions)	3.9987%	3,851
Cash dividends to net income (ytd only)*	8.5082%	3,896
Condition Ratios (%)
Loss allowance to loans	0.9721%	6,328
Loan loss allowance to noncurrent loans	81.3472%	3,612
Noncurrent assets plus other real estate owned to assets	0.7151%	5,210
Noncurrent loans to loans	1.1950%	4,377
Net loans and leases to total assets	54.0496%	5,030
Net loans and leases to deposits	63.8839%	5,030
Net loans and leases to core deposits	72.0725%	4,521
Total domestic deposits to total assets	84.6059%	4,041
Equity capital to assets	10.3249%	3,750
Core capital (leverage) ratio	9.0574%	4,683
Tier 1 risk-based capital ratio	15.0498%	3,609
Total risk-based capital ratio	15.9399%	3,823
Memoranda:
Average total assets	$141,229,200	3,955
Average earning assets	$132,508,800	3,880
Average equity	$13,536,800	4,233
Average total loans	$79,834,800	4,145
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3801%	1,572
Cost of funding earning assets	1.2080%	2,276
Net interest margin	4.1721%	2,202
Noninterest income to average assets	0.4500%	4,295
Noninterest expense to average assets	2.1392%	6,431
Loan and lease loss provision to assets	0.2026%	3,994
Net operating income to assets	1.4969%	941
Return on assets (ROA)	1.5096%	997
Pretax return on assets	2.0389%	582
Return on Equity (ROE)	16.0785%	673
Retained earnings to average equity (ytd only)	14.5521%	262
Net charge-offs to loans	0.5142%	2,703
Credit loss provision to net charge-offs	69.0554%	4,510
Earnings coverage of net charge-offs (x)	7.5831%	2,334
Efficiency ratio	48.5220%	6,922
Assets per employee ($millions)	3.8884%	4,100
Cash dividends to net income (ytd only)*	9.4939%	3,281
Condition Ratios (%)
Loss allowance to loans	0.8904%	6,632
Loan loss allowance to noncurrent loans	81.3273%	3,526
Noncurrent assets plus other real estate owned to assets	0.6104%	5,600
Noncurrent loans to loans	1.0948%	4,726
Net loans and leases to total assets	54.4650%	5,095
Net loans and leases to deposits	64.1607%	5,147
Net loans and leases to core deposits	74.8786%	4,336
Total domestic deposits to total assets	84.8884%	3,820
Equity capital to assets	10.1075%	4,198
Core capital (leverage) ratio	9.3348%	4,405
Tier 1 risk-based capital ratio	14.8396%	3,760
Total risk-based capital ratio	15.6597%	4,011
Memoranda:
Average total assets	$139,548,250	4,010
Average earning assets	$130,898,250	3,937
Average equity	$13,102,000	4,327
Average total loans	$79,605,250	4,186
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4308%	1,473
Cost of funding earning assets	1.2512%	2,241
Net interest margin	4.1796%	2,121
Noninterest income to average assets	0.4517%	4,271
Noninterest expense to average assets	2.1928%	6,401
Loan and lease loss provision to assets	0.1096%	4,928
Net operating income to assets	1.6103%	717
Return on assets (ROA)	1.6227%	743
Pretax return on assets	2.0963%	496
Return on Equity (ROE)	17.7728%	477
Retained earnings to average equity (ytd only)	15.3711%	228
Net charge-offs to loans	0.6020%	2,320
Credit loss provision to net charge-offs	31.5126%	4,964
Earnings coverage of net charge-offs (x)	6.2941%	2,425
Efficiency ratio	49.5330%	6,969
Assets per employee ($millions)	3.6604%	4,536
Cash dividends to net income (ytd only)*	13.5135%	3,047
Condition Ratios (%)
Loss allowance to loans	0.8405%	6,798
Loan loss allowance to noncurrent loans	93.3144%	3,077
Noncurrent assets plus other real estate owned to assets	0.6988%	5,510
Noncurrent loans to loans	0.9007%	5,165
Net loans and leases to total assets	55.6429%	5,046
Net loans and leases to deposits	64.4304%	5,221
Net loans and leases to core deposits	74.0974%	4,574
Total domestic deposits to total assets	86.3612%	3,121
Equity capital to assets	9.7695%	4,429
Core capital (leverage) ratio	9.1173%	4,536
Tier 1 risk-based capital ratio	15.0462%	3,468
Total risk-based capital ratio	15.8292%	3,711
Memoranda:
Average total assets	$136,810,670	4,092
Average earning assets	$128,673,670	4,017
Average equity	$12,491,000	4,435
Average total loans	$79,073,330	4,255
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4098%	1,529
Cost of funding earning assets	1.2583%	2,446
Net interest margin	4.1515%	2,075
Noninterest income to average assets	0.4570%	4,215
Noninterest expense to average assets	2.3292%	6,111
Loan and lease loss provision to assets	0.1120%	4,614
Net operating income to assets	1.5679%	742
Return on assets (ROA)	1.5921%	752
Pretax return on assets	1.9459%	612
Return on Equity (ROE)	18.0874%	476
Retained earnings to average equity (ytd only)	18.0874%	237
Net charge-offs to loans	1.1862%	1,172
Credit loss provision to net charge-offs	16.1017%	4,310
Earnings coverage of net charge-offs (x)	2.9153%	2,918
Efficiency ratio	52.9093%	6,786
Assets per employee ($millions)	3.9334%	3,981
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	0.8022%	6,914
Loan loss allowance to noncurrent loans	79.6154%	3,551
Noncurrent assets plus other real estate owned to assets	0.7896%	5,332
Noncurrent loans to loans	1.0076%	5,041
Net loans and leases to total assets	55.7761%	5,029
Net loans and leases to deposits	63.5207%	5,322
Net loans and leases to core deposits	73.0227%	4,647
Total domestic deposits to total assets	87.8078%	2,481
Equity capital to assets	8.9359%	5,301
Core capital (leverage) ratio	9.0742%	4,490
Tier 1 risk-based capital ratio	14.6529%	3,640
Total risk-based capital ratio	15.4026%	3,944
Memoranda:
Average total assets	$135,668,000	4,144
Average earning assets	$127,471,500	4,074
Average equity	$11,942,000	4,562
Average total loans	$79,583,500	4,267
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7394%	1,439
Cost of funding earning assets	1.4398%	3,020
Net interest margin	4.2996%	1,821
Noninterest income to average assets	0.5201%	4,025
Noninterest expense to average assets	2.7524%	4,775
Loan and lease loss provision to assets	0.2000%	5,236
Net operating income to assets	1.1053%	1,690
Return on assets (ROA)	1.3506%	1,126
Pretax return on assets	1.9419%	554
Return on Equity (ROE)	14.5945%	777
Retained earnings to average equity (ytd only)	12.0007%	274
Net charge-offs to loans	0.0811%	6,014
Credit loss provision to net charge-offs	390.6250%	633
Earnings coverage of net charge-offs (x)	34.9844%	648
Efficiency ratio	60.0282%	6,043
Assets per employee ($millions)	3.6126%	4,666
Cash dividends to net income (ytd only)*	17.7725%	3,527
Condition Ratios (%)
Loss allowance to loans	1.0017%	6,377
Loan loss allowance to noncurrent loans	101.4870%	2,860
Noncurrent assets plus other real estate owned to assets	0.6254%	5,758
Noncurrent loans to loans	0.9870%	5,085
Net loans and leases to total assets	60.5539%	4,573
Net loans and leases to deposits	70.7202%	4,723
Net loans and leases to core deposits	77.6656%	4,498
Total domestic deposits to total assets	85.6246%	3,539
Equity capital to assets	8.6649%	5,634
Core capital (leverage) ratio	8.7647%	4,909
Tier 1 risk-based capital ratio	13.7430%	4,023
Total risk-based capital ratio	14.7107%	4,208
Memoranda:
Average total assets	$124,981,800	4,377
Average earning assets	$116,963,200	4,290
Average equity	$11,566,000	4,717
Average total loans	$78,885,400	4,370
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7840%	1,448
Cost of funding earning assets	1.4532%	3,256
Net interest margin	4.3307%	1,741
Noninterest income to average assets	0.4972%	4,213
Noninterest expense to average assets	2.3428%	6,194
Loan and lease loss provision to assets	0.0977%	6,043
Net operating income to assets	1.5327%	863
Return on assets (ROA)	1.5351%	936
Pretax return on assets	2.1138%	489
Return on Equity (ROE)	16.3059%	674
Retained earnings to average equity (ytd only)	12.8464%	363
Net charge-offs to loans	0.1228%	5,318
Credit loss provision to net charge-offs	125.0000%	3,279
Earnings coverage of net charge-offs (x)	28.2493%	915
Efficiency ratio	50.9065%	7,079
Assets per employee ($millions)	3.4700%	5,058
Cash dividends to net income (ytd only)*	21.2164%	2,920
Condition Ratios (%)
Loss allowance to loans	0.8110%	6,979
Loan loss allowance to noncurrent loans	67.9541%	3,924
Noncurrent assets plus other real estate owned to assets	0.7901%	5,521
Noncurrent loans to loans	1.1934%	4,854
Net loans and leases to total assets	63.7392%	4,175
Net loans and leases to deposits	74.5087%	4,430
Net loans and leases to core deposits	82.6496%	4,142
Total domestic deposits to total assets	85.5459%	3,322
Equity capital to assets	10.2938%	3,774
Core capital (leverage) ratio	9.2432%	4,291
Tier 1 risk-based capital ratio	13.9599%	3,870
Total risk-based capital ratio	14.7607%	4,154
Memoranda:
Average total assets	$122,810,750	4,480
Average earning assets	$114,958,750	4,406
Average equity	$11,562,000	4,792
Average total loans	$78,167,000	4,465
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7607%	1,528
Cost of funding earning assets	1.4573%	3,514
Net interest margin	4.3034%	1,763
Noninterest income to average assets	0.5077%	4,049
Noninterest expense to average assets	2.3700%	6,149
Loan and lease loss provision to assets	0.0983%	5,925
Net operating income to assets	1.5474%	821
Return on assets (ROA)	1.5511%	872
Pretax return on assets	2.0638%	533
Return on Equity (ROE)	17.0176%	566
Retained earnings to average equity (ytd only)	11.6266%	546
Net charge-offs to loans	0.0568%	5,596
Credit loss provision to net charge-offs	272.7273%	1,371
Earnings coverage of net charge-offs (x)	59.8636%	516
Efficiency ratio	51.7728%	7,093
Assets per employee ($millions)	3.2961%	5,442
Cash dividends to net income (ytd only)*	31.6790%	2,457
Condition Ratios (%)
Loss allowance to loans	0.8662%	6,863
Loan loss allowance to noncurrent loans	74.5556%	3,627
Noncurrent assets plus other real estate owned to assets	0.7380%	5,648
Noncurrent loans to loans	1.1618%	5,017
Net loans and leases to total assets	62.9706%	4,472
Net loans and leases to deposits	74.6922%	4,569
Net loans and leases to core deposits	81.7711%	4,449
Total domestic deposits to total assets	84.3068%	3,957
Equity capital to assets	9.6755%	4,430
Core capital (leverage) ratio	8.9758%	4,641
Tier 1 risk-based capital ratio	13.7428%	3,912
Total risk-based capital ratio	14.5909%	4,136
Memoranda:
Average total assets	$122,107,670	4,525
Average earning assets	$114,049,000	4,452
Average equity	$11,129,670	4,896
Average total loans	$77,464,670	4,526
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6843%	1,836
Cost of funding earning assets	1.4500%	3,881
Net interest margin	4.2342%	1,916
Noninterest income to average assets	0.5009%	4,041
Noninterest expense to average assets	2.4717%	5,837
Loan and lease loss provision to assets	0.0982%	5,653
Net operating income to assets	1.6009%	748
Return on assets (ROA)	1.6009%	802
Pretax return on assets	1.8791%	761
Return on Equity (ROE)	18.1203%	505
Retained earnings to average equity (ytd only)	12.5620%	674
Net charge-offs to loans	0.0361%	5,075
Credit loss provision to net charge-offs	428.5714%	966
Earnings coverage of net charge-offs (x)	86.2857%	371
Efficiency ratio	54.9669%	6,894
Assets per employee ($millions)	3.3966%	5,304
Cash dividends to net income (ytd only)*	30.6748%	2,003
Condition Ratios (%)
Loss allowance to loans	0.8526%	6,984
Loan loss allowance to noncurrent loans	87.5834%	3,138
Noncurrent assets plus other real estate owned to assets	0.6125%	5,989
Noncurrent loans to loans	0.9735%	5,386
Net loans and leases to total assets	62.3865%	4,677
Net loans and leases to deposits	71.9202%	5,062
Net loans and leases to core deposits	82.6141%	4,405
Total domestic deposits to total assets	86.7441%	2,769
Equity capital to assets	9.0401%	5,218
Core capital (leverage) ratio	8.8286%	4,820
Tier 1 risk-based capital ratio	13.2952%	4,132
Total risk-based capital ratio	14.1213%	4,398
Memoranda:
Average total assets	$122,183,000	4,577
Average earning assets	$113,928,500	4,520
Average equity	$10,794,500	5,031
Average total loans	$77,463,000	4,590
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1208%	1,464
Cost of funding earning assets	1.8887%	3,522
Net interest margin	4.2321%	1,969
Noninterest income to average assets	0.5340%	4,147
Noninterest expense to average assets	2.6860%	5,454
Loan and lease loss provision to assets	0.1056%	6,583
Net operating income to assets	1.2271%	1,182
Return on assets (ROA)	1.2290%	1,230
Pretax return on assets	1.7173%	751
Return on Equity (ROE)	14.1497%	758
Retained earnings to average equity (ytd only)	11.7188%	230
Net charge-offs to loans	0.1148%	6,015
Credit loss provision to net charge-offs	141.1765%	3,436
Earnings coverage of net charge-offs (x)	24.3412%	908
Efficiency ratio	58.9809%	6,619
Assets per employee ($millions)	3.3913%	5,282
Cash dividends to net income (ytd only)*	17.1797%	3,741
Condition Ratios (%)
Loss allowance to loans	0.8117%	7,095
Loan loss allowance to noncurrent loans	95.7640%	2,923
Noncurrent assets plus other real estate owned to assets	0.5414%	6,096
Noncurrent loans to loans	0.8476%	5,597
Net loans and leases to total assets	63.3576%	4,735
Net loans and leases to deposits	73.3090%	5,149
Net loans and leases to core deposits	100.2319%	3,970
Total domestic deposits to total assets	86.4254%	2,808
Equity capital to assets	8.6290%	5,692
Core capital (leverage) ratio	8.4628%	5,339
Tier 1 risk-based capital ratio	12.7748%	4,301
Total risk-based capital ratio	13.5667%	4,627
Memoranda:
Average total assets	$113,665,200	4,734
Average earning assets	$106,684,600	4,664
Average equity	$9,873,000	5,329
Average total loans	$74,020,800	4,728
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1013%	1,651
Cost of funding earning assets	1.9601%	3,566
Net interest margin	4.1411%	2,244
Noninterest income to average assets	0.5283%	4,251
Noninterest expense to average assets	2.4524%	6,237
Loan and lease loss provision to assets	0.1076%	6,301
Net operating income to assets	1.3271%	1,164
Return on assets (ROA)	1.3314%	1,214
Pretax return on assets	1.8728%	696
Return on Equity (ROE)	15.3005%	734
Retained earnings to average equity (ytd only)	12.0041%	343
Net charge-offs to loans	0.1315%	5,385
Credit loss provision to net charge-offs	125.0000%	4,022
Earnings coverage of net charge-offs (x)	22.9439%	1,138
Efficiency ratio	54.7516%	7,151
Assets per employee ($millions)	3.7822%	4,221
Cash dividends to net income (ytd only)*	21.5438%	3,188
Condition Ratios (%)
Loss allowance to loans	0.7998%	7,121
Loan loss allowance to noncurrent loans	70.3196%	3,806
Noncurrent assets plus other real estate owned to assets	0.7804%	5,560
Noncurrent loans to loans	1.1374%	5,044
Net loans and leases to total assets	65.1622%	4,612
Net loans and leases to deposits	76.7127%	4,937
Net loans and leases to core deposits	110.6810%	3,162
Total domestic deposits to total assets	84.9432%	3,266
Equity capital to assets	8.8410%	5,725
Core capital (leverage) ratio	8.8591%	4,884
Tier 1 risk-based capital ratio	12.7279%	4,369
Total risk-based capital ratio	13.5183%	4,674
Memoranda:
Average total assets	$111,559,500	4,814
Average earning assets	$105,025,000	4,736
Average equity	$9,707,500	5,425
Average total loans	$73,029,750	4,810
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1307%	1,688
Cost of funding earning assets	2.0765%	3,388
Net interest margin	4.0542%	2,491
Noninterest income to average assets	0.5344%	4,152
Noninterest expense to average assets	2.3837%	6,513
Loan and lease loss provision to assets	0.1094%	6,061
Net operating income to assets	1.3830%	1,065
Return on assets (ROA)	1.3897%	1,120
Pretax return on assets	1.8712%	741
Return on Equity (ROE)	16.0624%	685
Retained earnings to average equity (ytd only)	11.0034%	565
Net charge-offs to loans	0.0642%	5,603
Credit loss provision to net charge-offs	260.8696%	1,786
Earnings coverage of net charge-offs (x)	47.0000%	723
Efficiency ratio	54.0620%	7,324
Assets per employee ($millions)	3.6637%	4,416
Cash dividends to net income (ytd only)*	31.4961%	2,788
Condition Ratios (%)
Loss allowance to loans	0.8728%	6,892
Loan loss allowance to noncurrent loans	76.2305%	3,657
Noncurrent assets plus other real estate owned to assets	0.7579%	5,506
Noncurrent loans to loans	1.1449%	4,924
Net loans and leases to total assets	65.6189%	4,641
Net loans and leases to deposits	77.4633%	4,949
Net loans and leases to core deposits	109.9704%	3,371
Total domestic deposits to total assets	84.7096%	3,396
Equity capital to assets	8.5841%	5,924
Core capital (leverage) ratio	8.8330%	4,892
Tier 1 risk-based capital ratio	13.1670%	4,023
Total risk-based capital ratio	14.0417%	4,206
Memoranda:
Average total assets	$109,663,000	4,890
Average earning assets	$103,348,670	4,808
Average equity	$9,488,000	5,517
Average total loans	$71,700,330	4,897
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.2148%	1,554
Cost of funding earning assets	2.1789%	3,271
Net interest margin	4.0359%	2,503
Noninterest income to average assets	0.5185%	4,150
Noninterest expense to average assets	2.3882%	6,237
Loan and lease loss provision to assets	0.1096%	5,564
Net operating income to assets	1.4461%	1,050
Return on assets (ROA)	1.4461%	1,127
Pretax return on assets	1.8222%	937
Return on Equity (ROE)	16.6483%	733
Retained earnings to average equity (ytd only)	16.6483%	295
Net charge-offs to loans	0.0169%	5,337
Credit loss provision to net charge-offs	1,000.0000%	612
Earnings coverage of net charge-offs (x)	176.3333%	246
Efficiency ratio	54.6069%	7,158
Assets per employee ($millions)	3.5069%	4,807
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	0.8896%	6,797
Loan loss allowance to noncurrent loans	66.9165%	4,235
Noncurrent assets plus other real estate owned to assets	0.8591%	5,044
Noncurrent loans to loans	1.3294%	4,320
Net loans and leases to total assets	64.0515%	4,980
Net loans and leases to deposits	76.2049%	5,194
Net loans and leases to core deposits	106.2305%	3,885
Total domestic deposits to total assets	84.0517%	3,684
Equity capital to assets	9.0099%	5,338
Core capital (leverage) ratio	8.7445%	5,073
Tier 1 risk-based capital ratio	13.1613%	4,076
Total risk-based capital ratio	14.0340%	4,245
Memoranda:
Average total assets	$109,538,500	4,920
Average earning assets	$103,173,500	4,832
Average equity	$9,514,500	5,532
Average total loans	$71,171,500	4,936
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.7158%	1,974
Cost of funding earning assets	2.8255%	2,602
Net interest margin	3.8903%	3,610
Noninterest income to average assets	0.6136%	3,752
Noninterest expense to average assets	2.6779%	5,348
Loan and lease loss provision to assets	0.0882%	6,275
Net operating income to assets	1.0591%	2,313
Return on assets (ROA)	1.0625%	2,204
Pretax return on assets	1.4909%	1,710
Return on Equity (ROE)	12.3826%	1,489
Retained earnings to average equity (ytd only)	11.6972%	250
Net charge-offs to loans	0.1222%	5,023
Credit loss provision to net charge-offs	113.9241%	4,739
Earnings coverage of net charge-offs (x)	20.3291%	1,578
Efficiency ratio	62.2407%	5,906
Assets per employee ($millions)	3.5601%	4,525
Cash dividends to net income (ytd only)*	5.5351%	4,775
Condition Ratios (%)
Loss allowance to loans	0.8296%	6,977
Loan loss allowance to noncurrent loans	91.1585%	3,711
Noncurrent assets plus other real estate owned to assets	0.5944%	5,409
Noncurrent loans to loans	0.9100%	4,805
Net loans and leases to total assets	64.7744%	5,112
Net loans and leases to deposits	77.3033%	5,431
Net loans and leases to core deposits	105.6562%	4,229
Total domestic deposits to total assets	83.7926%	3,434
Equity capital to assets	8.3669%	6,313
Core capital (leverage) ratio	8.5990%	5,380
Tier 1 risk-based capital ratio	12.6342%	4,336
Total risk-based capital ratio	13.4709%	4,542
Memoranda:
Average total assets	$102,019,800	4,994
Average earning assets	$95,417,400	4,938
Average equity	$8,754,200	5,829
Average total loans	$64,654,600	5,070