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First Colony Bank of Florida, Performance and Condition Ratios

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2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5989%	2,896
Cost of funding earning assets	1.1252%	3,004
Net interest margin	3.4737%	2,248
Noninterest income to average assets	0.1100%	4,240
Noninterest expense to average assets	1.7197%	4,112
Loan and lease loss provision to assets	0.0600%	1,903
Net operating income to assets	1.7237%	698
Return on assets (ROA)	1.7237%	671
Pretax return on assets	1.7237%	1,013
Return on Equity (ROE)	20.6400%	560
Retained earnings to average equity (ytd only)	1.1429%	3,803
Net charge-offs to loans	0.0000%	2,917
Credit loss provision to net charge-offs	0.0000%	2,397
Earnings coverage of net charge-offs (x)	0.0000%	2,831
Efficiency ratio	49.0268%	4,037
Assets per employee ($millions)	14.8856%	220
Cash dividends to net income (ytd only)*	94.4629%	328
Condition Ratios (%)
Loss allowance to loans	1.6707%	715
Loan loss allowance to noncurrent loans	0.0000%	3,805
Noncurrent assets plus other real estate owned to assets	0.0000%	3,871
Noncurrent loans to loans	0.0000%	3,821
Net loans and leases to total assets	63.7800%	2,482
Net loans and leases to deposits	70.2114%	2,882
Net loans and leases to core deposits	76.8374%	2,922
Total domestic deposits to total assets	90.8400%	548
Equity capital to assets	8.5526%	3,013
Core capital (leverage) ratio	9.5639%	3,197
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.6746%	1,992
Memoranda:
Average total assets	$279,751,000	2,528
Average earning assets	$273,281,400	2,445
Average equity	$23,362,400	2,602
Average total loans	$172,697,200	2,504
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5278%	2,848
Cost of funding earning assets	1.0230%	2,970
Net interest margin	3.5048%	2,199
Noninterest income to average assets	0.1100%	4,262
Noninterest expense to average assets	1.7845%	4,008
Loan and lease loss provision to assets	0.0800%	1,428
Net operating income to assets	1.6679%	839
Return on assets (ROA)	1.6679%	834
Pretax return on assets	1.6679%	1,224
Return on Equity (ROE)	20.1000%	713
Retained earnings to average equity (ytd only)	-0.4837%	4,207
Net charge-offs to loans	0.0000%	2,666
Credit loss provision to net charge-offs	0.0000%	2,098
Earnings coverage of net charge-offs (x)	0.0000%	2,572
Efficiency ratio	50.5688%	3,871
Assets per employee ($millions)	14.2319%	233
Cash dividends to net income (ytd only)*	102.4069%	214
Condition Ratios (%)
Loss allowance to loans	1.8000%	566
Loan loss allowance to noncurrent loans	0.0000%	3,833
Noncurrent assets plus other real estate owned to assets	0.0000%	3,901
Noncurrent loans to loans	0.0000%	3,847
Net loans and leases to total assets	61.4300%	2,712
Net loans and leases to deposits	67.6075%	3,007
Net loans and leases to core deposits	75.1457%	2,922
Total domestic deposits to total assets	90.8700%	705
Equity capital to assets	8.3082%	2,849
Core capital (leverage) ratio	9.2660%	3,520
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.4478%	1,730
Memoranda:
Average total assets	$278,982,000	2,534
Average earning assets	$272,266,500	2,460
Average equity	$23,155,750	2,611
Average total loans	$170,007,250	2,530
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3758%	2,944
Cost of funding earning assets	0.8485%	3,074
Net interest margin	3.5273%	2,206
Noninterest income to average assets	0.1000%	4,323
Noninterest expense to average assets	1.7599%	4,072
Loan and lease loss provision to assets	0.0700%	1,542
Net operating income to assets	1.7045%	772
Return on assets (ROA)	1.7045%	774
Pretax return on assets	1.7045%	1,206
Return on Equity (ROE)	20.5400%	655
Retained earnings to average equity (ytd only)	-1.7789%	4,277
Net charge-offs to loans	0.0000%	2,455
Credit loss provision to net charge-offs	0.0000%	1,862
Earnings coverage of net charge-offs (x)	0.0000%	2,403
Efficiency ratio	49.7792%	3,948
Assets per employee ($millions)	14.2689%	221
Cash dividends to net income (ytd only)*	108.6595%	246
Condition Ratios (%)
Loss allowance to loans	1.7642%	663
Loan loss allowance to noncurrent loans	0.0000%	3,834
Noncurrent assets plus other real estate owned to assets	0.0000%	3,917
Noncurrent loans to loans	0.0000%	3,848
Net loans and leases to total assets	61.3100%	2,639
Net loans and leases to deposits	67.6134%	2,939
Net loans and leases to core deposits	73.2771%	2,945
Total domestic deposits to total assets	90.6700%	737
Equity capital to assets	8.5969%	2,783
Core capital (leverage) ratio	9.5233%	3,222
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.5475%	1,712
Memoranda:
Average total assets	$281,840,333	2,519
Average earning assets	$274,827,000	2,453
Average equity	$23,385,667	2,602
Average total loans	$170,287,000	2,521
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3600%	2,650
Cost of funding earning assets	0.6892%	3,083
Net interest margin	3.6707%	1,969
Noninterest income to average assets	0.0700%	4,475
Noninterest expense to average assets	1.6963%	4,201
Loan and lease loss provision to assets	0.0800%	1,320
Net operating income to assets	1.8677%	597
Return on assets (ROA)	1.8677%	589
Pretax return on assets	1.8677%	955
Return on Equity (ROE)	22.9000%	514
Retained earnings to average equity (ytd only)	-1.4856%	4,171
Net charge-offs to loans	0.0000%	2,062
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	46.5063%	4,187
Assets per employee ($millions)	14.6567%	223
Cash dividends to net income (ytd only)*	106.4877%	399
Condition Ratios (%)
Loss allowance to loans	1.7295%	761
Loan loss allowance to noncurrent loans	0.0000%	3,881
Noncurrent assets plus other real estate owned to assets	0.0000%	3,959
Noncurrent loans to loans	0.0000%	3,889
Net loans and leases to total assets	60.0900%	2,641
Net loans and leases to deposits	66.0996%	2,927
Net loans and leases to core deposits	70.0102%	2,953
Total domestic deposits to total assets	90.9100%	827
Equity capital to assets	8.4344%	2,945
Core capital (leverage) ratio	8.7675%	3,930
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.4705%	1,801
Memoranda:
Average total assets	$287,205,500	2,529
Average earning assets	$279,727,000	2,451
Average equity	$23,425,000	2,628
Average total loans	$170,833,000	2,538
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6897%	2,555
Cost of funding earning assets	0.2063%	3,705
Net interest margin	3.4833%	1,981
Noninterest income to average assets	0.1400%	4,270
Noninterest expense to average assets	1.6173%	4,287
Loan and lease loss provision to assets	0.0800%	1,457
Net operating income to assets	1.8551%	384
Return on assets (ROA)	1.8551%	369
Pretax return on assets	1.8551%	642
Return on Equity (ROE)	24.0300%	242
Retained earnings to average equity (ytd only)	4.2439%	3,318
Net charge-offs to loans	0.0000%	2,620
Credit loss provision to net charge-offs	0.0000%	1,979
Earnings coverage of net charge-offs (x)	0.0000%	2,564
Efficiency ratio	45.5365%	4,370
Assets per employee ($millions)	16.4407%	155
Cash dividends to net income (ytd only)*	82.3393%	406
Condition Ratios (%)
Loss allowance to loans	1.6834%	821
Loan loss allowance to noncurrent loans	0.0000%	3,900
Noncurrent assets plus other real estate owned to assets	0.0000%	3,976
Noncurrent loans to loans	0.0000%	3,914
Net loans and leases to total assets	56.9400%	2,922
Net loans and leases to deposits	62.2093%	3,182
Net loans and leases to core deposits	64.6415%	3,226
Total domestic deposits to total assets	91.5300%	777
Equity capital to assets	7.8944%	3,125
Core capital (leverage) ratio	8.5090%	4,120
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.4204%	1,810
Memoranda:
Average total assets	$302,784,000	2,434
Average earning assets	$296,125,400	2,357
Average equity	$23,374,600	2,680
Average total loans	$176,561,600	2,402
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5125%	2,581
Cost of funding earning assets	0.1488%	3,853
Net interest margin	3.3637%	2,091
Noninterest income to average assets	0.1400%	4,301
Noninterest expense to average assets	1.6061%	4,296
Loan and lease loss provision to assets	0.0800%	1,289
Net operating income to assets	1.7397%	485
Return on assets (ROA)	1.7397%	471
Pretax return on assets	1.7397%	825
Return on Equity (ROE)	22.6600%	265
Retained earnings to average equity (ytd only)	3.7071%	3,550
Net charge-offs to loans	0.0000%	2,349
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	0.0000%	2,297
Efficiency ratio	46.8994%	4,333
Assets per employee ($millions)	16.8776%	152
Cash dividends to net income (ytd only)*	83.6396%	364
Condition Ratios (%)
Loss allowance to loans	1.6130%	1,039
Loan loss allowance to noncurrent loans	28,250.0000%	61
Noncurrent assets plus other real estate owned to assets	0.0033%	3,989
Noncurrent loans to loans	0.0057%	3,916
Net loans and leases to total assets	56.7200%	2,832
Net loans and leases to deposits	61.6940%	3,043
Net loans and leases to core deposits	64.2071%	3,094
Total domestic deposits to total assets	91.9400%	899
Equity capital to assets	7.3444%	3,305
Core capital (leverage) ratio	8.3396%	4,195
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.0433%	2,041
Memoranda:
Average total assets	$304,496,750	2,442
Average earning assets	$297,445,500	2,371
Average equity	$23,377,750	2,719
Average total loans	$177,856,500	2,392
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3470%	2,587
Cost of funding earning assets	0.1239%	3,918
Net interest margin	3.2231%	2,122
Noninterest income to average assets	0.1188%	4,403
Noninterest expense to average assets	1.5883%	4,317
Loan and lease loss provision to assets	0.0788%	1,233
Net operating income to assets	1.5929%	557
Return on assets (ROA)	1.5929%	545
Pretax return on assets	1.5929%	956
Return on Equity (ROE)	20.4525%	279
Retained earnings to average equity (ytd only)	2.1995%	3,694
Net charge-offs to loans	0.0000%	2,156
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	48.7216%	4,322
Assets per employee ($millions)	15.9122%	167
Cash dividends to net income (ytd only)*	89.2460%	481
Condition Ratios (%)
Loss allowance to loans	1.5588%	1,249
Loan loss allowance to noncurrent loans	27,650.0000%	63
Noncurrent assets plus other real estate owned to assets	0.0033%	4,030
Noncurrent loans to loans	0.0056%	3,953
Net loans and leases to total assets	57.7554%	2,558
Net loans and leases to deposits	62.8826%	2,817
Net loans and leases to core deposits	66.1258%	2,807
Total domestic deposits to total assets	91.8464%	908
Equity capital to assets	7.4564%	3,502
Core capital (leverage) ratio	8.2381%	4,148
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.7885%	2,162
Memoranda:
Average total assets	$304,730,000	2,460
Average earning assets	$296,982,667	2,398
Average equity	$23,733,000	2,761
Average total loans	$178,763,000	2,388
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1961%	2,701
Cost of funding earning assets	0.1262%	3,820
Net interest margin	3.0699%	2,268
Noninterest income to average assets	0.1007%	4,504
Noninterest expense to average assets	1.5768%	4,332
Loan and lease loss provision to assets	0.0784%	1,051
Net operating income to assets	1.4356%	733
Return on assets (ROA)	1.4356%	731
Pretax return on assets	1.4356%	1,161
Return on Equity (ROE)	18.0533%	334
Retained earnings to average equity (ytd only)	-1.2167%	4,162
Net charge-offs to loans	0.0000%	1,838
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	51.0152%	4,255
Assets per employee ($millions)	14.8854%	210
Cash dividends to net income (ytd only)*	106.7395%	472
Condition Ratios (%)
Loss allowance to loans	1.4944%	1,564
Loan loss allowance to noncurrent loans	27,050.0000%	71
Noncurrent assets plus other real estate owned to assets	0.0034%	4,069
Noncurrent loans to loans	0.0055%	3,994
Net loans and leases to total assets	59.8938%	2,081
Net loans and leases to deposits	65.4925%	2,380
Net loans and leases to core deposits	69.6910%	2,317
Total domestic deposits to total assets	91.4513%	830
Equity capital to assets	7.8735%	3,665
Core capital (leverage) ratio	7.9594%	4,333
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.4484%	2,428
Memoranda:
Average total assets	$305,929,000	2,474
Average earning assets	$297,988,000	2,399
Average equity	$24,328,000	2,815
Average total loans	$179,455,500	2,384
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6003%	2,389
Cost of funding earning assets	0.2249%	3,196
Net interest margin	3.3755%	2,099
Noninterest income to average assets	0.1330%	4,479
Noninterest expense to average assets	1.5779%	4,447
Loan and lease loss provision to assets	0.0858%	1,432
Net operating income to assets	1.7484%	573
Return on assets (ROA)	1.7484%	593
Pretax return on assets	1.7484%	1,029
Return on Equity (ROE)	19.7561%	320
Retained earnings to average equity (ytd only)	2.7271%	3,751
Net charge-offs to loans	0.0006%	2,678
Credit loss provision to net charge-offs	24,000.0000%	30
Earnings coverage of net charge-offs (x)	5,130.0000%	21
Efficiency ratio	46.2433%	4,487
Assets per employee ($millions)	15.7076%	186
Cash dividends to net income (ytd only)*	86.1963%	387
Condition Ratios (%)
Loss allowance to loans	1.4868%	1,606
Loan loss allowance to noncurrent loans	26,450.0000%	69
Noncurrent assets plus other real estate owned to assets	0.0032%	4,149
Noncurrent loans to loans	0.0056%	4,067
Net loans and leases to total assets	55.7862%	2,646
Net loans and leases to deposits	60.7465%	3,010
Net loans and leases to core deposits	64.1100%	2,975
Total domestic deposits to total assets	91.8345%	229
Equity capital to assets	8.0267%	4,348
Core capital (leverage) ratio	7.9641%	4,389
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.7296%	2,351
Memoranda:
Average total assets	$279,678,200	2,540
Average earning assets	$271,696,200	2,474
Average equity	$24,751,800	2,867
Average total loans	$171,266,400	2,454
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6950%	2,290
Cost of funding earning assets	0.2527%	3,095
Net interest margin	3.4422%	2,034
Noninterest income to average assets	0.1323%	4,535
Noninterest expense to average assets	1.6070%	4,462
Loan and lease loss provision to assets	0.0885%	1,348
Net operating income to assets	1.7796%	694
Return on assets (ROA)	1.7796%	729
Pretax return on assets	1.7796%	1,209
Return on Equity (ROE)	19.5808%	458
Retained earnings to average equity (ytd only)	2.8143%	3,959
Net charge-offs to loans	0.0008%	2,426
Credit loss provision to net charge-offs	18,000.0000%	38
Earnings coverage of net charge-offs (x)	3,798.0000%	33
Efficiency ratio	46.2420%	4,487
Assets per employee ($millions)	15.0990%	203
Cash dividends to net income (ytd only)*	85.6274%	321
Condition Ratios (%)
Loss allowance to loans	1.4914%	1,666
Loan loss allowance to noncurrent loans	23,500.0000%	72
Noncurrent assets plus other real estate owned to assets	0.0038%	4,235
Noncurrent loans to loans	0.0063%	4,160
Net loans and leases to total assets	59.5160%	2,320
Net loans and leases to deposits	65.4417%	2,686
Net loans and leases to core deposits	68.3567%	2,745
Total domestic deposits to total assets	90.9450%	386
Equity capital to assets	8.7531%	4,031
Core capital (leverage) ratio	9.2322%	3,287
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.8854%	2,401
Memoranda:
Average total assets	$271,060,000	2,613
Average earning assets	$263,234,000	2,551
Average equity	$24,635,750	2,906
Average total loans	$169,608,500	2,500
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7381%	2,235
Cost of funding earning assets	0.2881%	2,893
Net interest margin	3.4500%	2,008
Noninterest income to average assets	0.1287%	4,561
Noninterest expense to average assets	1.6193%	4,482
Loan and lease loss provision to assets	0.0903%	1,379
Net operating income to assets	1.7706%	765
Return on assets (ROA)	1.7706%	803
Pretax return on assets	1.7706%	1,297
Return on Equity (ROE)	19.2260%	520
Retained earnings to average equity (ytd only)	2.7291%	3,925
Net charge-offs to loans	0.0012%	2,193
Credit loss provision to net charge-offs	12,000.0000%	44
Earnings coverage of net charge-offs (x)	2,473.0000%	34
Efficiency ratio	46.5297%	4,491
Assets per employee ($millions)	13.8554%	239
Cash dividends to net income (ytd only)*	85.8054%	408
Condition Ratios (%)
Loss allowance to loans	1.4530%	1,755
Loan loss allowance to noncurrent loans	22,954.5455%	61
Noncurrent assets plus other real estate owned to assets	0.0042%	4,295
Noncurrent loans to loans	0.0063%	4,217
Net loans and leases to total assets	65.0541%	1,821
Net loans and leases to deposits	72.0679%	2,197
Net loans and leases to core deposits	77.0678%	2,128
Total domestic deposits to total assets	90.2679%	661
Equity capital to assets	9.4643%	3,367
Core capital (leverage) ratio	9.2270%	3,194
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.6592%	2,490
Memoranda:
Average total assets	$265,786,333	2,643
Average earning assets	$258,203,667	2,571
Average equity	$24,477,333	2,911
Average total loans	$168,369,667	2,525
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6360%	2,533
Cost of funding earning assets	0.3406%	2,608
Net interest margin	3.2954%	2,408
Noninterest income to average assets	0.1303%	4,552
Noninterest expense to average assets	1.5907%	4,549
Loan and lease loss provision to assets	0.0899%	1,475
Net operating income to assets	1.6521%	1,017
Return on assets (ROA)	1.6521%	1,067
Pretax return on assets	1.6521%	1,599
Return on Equity (ROE)	18.1874%	709
Retained earnings to average equity (ytd only)	1.1872%	4,186
Net charge-offs to loans	-0.0072%	3,535
Credit loss provision to net charge-offs	-2,000.0000%	3,544
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	47.7303%	4,359
Assets per employee ($millions)	15.3946%	185
Cash dividends to net income (ytd only)*	93.4723%	462
Condition Ratios (%)
Loss allowance to loans	1.4655%	1,718
Loan loss allowance to noncurrent loans	9,144.4444%	110
Noncurrent assets plus other real estate owned to assets	0.0097%	4,318
Noncurrent loans to loans	0.0160%	4,218
Net loans and leases to total assets	59.9091%	2,547
Net loans and leases to deposits	65.7885%	2,941
Net loans and leases to core deposits	71.7766%	2,719
Total domestic deposits to total assets	91.0633%	379
Equity capital to assets	8.7231%	3,939
Core capital (leverage) ratio	8.9489%	3,665
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.6617%	2,420
Memoranda:
Average total assets	$267,053,000	2,618
Average earning assets	$259,514,500	2,549
Average equity	$24,258,500	2,910
Average total loans	$165,663,500	2,548
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0638%	2,535
Cost of funding earning assets	0.4788%	3,090
Net interest margin	3.5850%	2,192
Noninterest income to average assets	0.1556%	4,514
Noninterest expense to average assets	1.6865%	4,635
Loan and lease loss provision to assets	0.2145%	1,832
Net operating income to assets	1.7370%	455
Return on assets (ROA)	1.7370%	494
Pretax return on assets	1.7370%	787
Return on Equity (ROE)	18.5645%	298
Retained earnings to average equity (ytd only)	2.7770%	3,474
Net charge-offs to loans	-0.0169%	4,385
Credit loss provision to net charge-offs	-1,981.4815%	4,186
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	46.3573%	4,701
Assets per employee ($millions)	13.5265%	236
Cash dividends to net income (ytd only)*	85.0416%	511
Condition Ratios (%)
Loss allowance to loans	1.4775%	1,664
Loan loss allowance to noncurrent loans	8,911.1111%	124
Noncurrent assets plus other real estate owned to assets	0.0105%	4,378
Noncurrent loans to loans	0.0166%	4,294
Net loans and leases to total assets	62.4281%	2,553
Net loans and leases to deposits	69.1322%	2,971
Net loans and leases to core deposits	80.9683%	2,278
Total domestic deposits to total assets	90.3024%	449
Equity capital to assets	9.4727%	3,643
Core capital (leverage) ratio	8.8220%	3,876
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.9385%	2,260
Memoranda:
Average total assets	$249,395,800	2,583
Average earning assets	$242,261,200	2,513
Average equity	$23,334,800	2,916
Average total loans	$159,974,400	2,561
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1357%	2,567
Cost of funding earning assets	0.5095%	3,163
Net interest margin	3.6262%	2,172
Noninterest income to average assets	0.1481%	4,561
Noninterest expense to average assets	1.7174%	4,604
Loan and lease loss provision to assets	0.2154%	1,872
Net operating income to assets	1.7309%	540
Return on assets (ROA)	1.7309%	601
Pretax return on assets	1.7309%	906
Return on Equity (ROE)	18.5593%	319
Retained earnings to average equity (ytd only)	2.5069%	3,739
Net charge-offs to loans	-0.0201%	4,428
Credit loss provision to net charge-offs	-1,666.6667%	4,037
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	46.8755%	4,671
Assets per employee ($millions)	14.3080%	188
Cash dividends to net income (ytd only)*	86.4924%	476
Condition Ratios (%)
Loss allowance to loans	1.4300%	1,606
Loan loss allowance to noncurrent loans	8,100.0000%	108
Noncurrent assets plus other real estate owned to assets	0.0103%	4,453
Noncurrent loans to loans	0.0177%	4,354
Net loans and leases to total assets	57.5078%	3,467
Net loans and leases to deposits	63.3214%	3,840
Net loans and leases to core deposits	73.7128%	3,340
Total domestic deposits to total assets	90.8189%	208
Equity capital to assets	8.8397%	4,226
Core capital (leverage) ratio	8.8462%	3,910
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.7198%	2,316
Memoranda:
Average total assets	$247,494,000	2,580
Average earning assets	$239,950,750	2,513
Average equity	$23,082,250	2,931
Average total loans	$159,256,000	2,577
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2470%	2,613
Cost of funding earning assets	0.5576%	3,194
Net interest margin	3.6894%	2,207
Noninterest income to average assets	0.1454%	4,578
Noninterest expense to average assets	1.8005%	4,556
Loan and lease loss provision to assets	0.2214%	1,886
Net operating income to assets	1.7170%	603
Return on assets (ROA)	1.7170%	658
Pretax return on assets	1.7170%	968
Return on Equity (ROE)	18.0532%	361
Retained earnings to average equity (ytd only)	0.8082%	4,135
Net charge-offs to loans	-0.0263%	4,495
Credit loss provision to net charge-offs	-1,261.9048%	3,799
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	48.1564%	4,619
Assets per employee ($millions)	13.8964%	204
Cash dividends to net income (ytd only)*	95.5231%	526
Condition Ratios (%)
Loss allowance to loans	1.3597%	1,727
Loan loss allowance to noncurrent loans	7,607.1429%	93
Noncurrent assets plus other real estate owned to assets	0.0106%	4,529
Noncurrent loans to loans	0.0179%	4,429
Net loans and leases to total assets	58.5247%	3,466
Net loans and leases to deposits	64.4903%	3,846
Net loans and leases to core deposits	76.7234%	3,230
Total domestic deposits to total assets	90.7496%	212
Equity capital to assets	8.9391%	4,142
Core capital (leverage) ratio	9.3630%	3,509
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.8198%	2,259
Memoranda:
Average total assets	$239,374,667	2,611
Average earning assets	$233,153,000	2,531
Average equity	$22,766,000	2,945
Average total loans	$159,473,333	2,569
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5355%	2,209
Cost of funding earning assets	0.6608%	3,111
Net interest margin	3.8748%	1,748
Noninterest income to average assets	0.1480%	4,625
Noninterest expense to average assets	1.8868%	4,560
Loan and lease loss provision to assets	0.2378%	1,304
Net operating income to assets	1.8252%	388
Return on assets (ROA)	1.8252%	434
Pretax return on assets	1.8252%	661
Return on Equity (ROE)	18.5430%	232
Retained earnings to average equity (ytd only)	-2.0226%	4,257
Net charge-offs to loans	-0.0448%	4,596
Credit loss provision to net charge-offs	-750.0000%	3,481
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	47.7698%	4,770
Assets per employee ($millions)	11.7247%	250
Cash dividends to net income (ytd only)*	110.9073%	670
Condition Ratios (%)
Loss allowance to loans	1.2390%	2,459
Loan loss allowance to noncurrent loans	7,132.1429%	94
Noncurrent assets plus other real estate owned to assets	0.0126%	4,586
Noncurrent loans to loans	0.0174%	4,502
Net loans and leases to total assets	71.4567%	2,008
Net loans and leases to deposits	79.4371%	2,738
Net loans and leases to core deposits	97.8642%	1,640
Total domestic deposits to total assets	89.9538%	337
Equity capital to assets	9.7378%	4,007
Core capital (leverage) ratio	10.0633%	3,390
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.2989%	2,570
Memoranda:
Average total assets	$227,046,000	2,654
Average earning assets	$222,773,500	2,550
Average equity	$22,348,000	2,972
Average total loans	$160,883,000	2,533
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8538%	1,881
Cost of funding earning assets	0.6780%	3,270
Net interest margin	4.1758%	1,363
Noninterest income to average assets	0.1840%	4,562
Noninterest expense to average assets	1.9469%	4,615
Loan and lease loss provision to assets	0.1734%	1,205
Net operating income to assets	2.1371%	255
Return on assets (ROA)	2.1371%	269
Pretax return on assets	2.1371%	436
Return on Equity (ROE)	21.5588%	146
Retained earnings to average equity (ytd only)	2.6097%	3,729
Net charge-offs to loans	0.4838%	390
Credit loss provision to net charge-offs	48.4472%	3,146
Earnings coverage of net charge-offs (x)	6.4571%	2,978
Efficiency ratio	45.7298%	4,923
Assets per employee ($millions)	12.1748%	213
Cash dividends to net income (ytd only)*	87.8952%	569
Condition Ratios (%)
Loss allowance to loans	1.1483%	2,710
Loan loss allowance to noncurrent loans	2,458.6667%	273
Noncurrent assets plus other real estate owned to assets	0.0324%	4,483
Noncurrent loans to loans	0.0467%	4,369
Net loans and leases to total assets	68.6234%	2,597
Net loans and leases to deposits	76.4372%	3,138
Net loans and leases to core deposits	96.5261%	1,856
Total domestic deposits to total assets	89.7775%	402
Equity capital to assets	9.9441%	3,973
Core capital (leverage) ratio	9.8262%	3,701
Tier 1 risk-based capital ratio	12.2013%	4,241
Total risk-based capital ratio	13.2053%	4,270
Memoranda:
Average total assets	$224,978,000	2,621
Average earning assets	$219,456,600	2,537
Average equity	$22,301,800	2,938
Average total loans	$166,389,800	2,452
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8840%	1,862
Cost of funding earning assets	0.6665%	3,365
Net interest margin	4.2175%	1,335
Noninterest income to average assets	0.1796%	4,646
Noninterest expense to average assets	2.0317%	4,493
Loan and lease loss provision to assets	0.1522%	1,237
Net operating income to assets	2.1009%	319
Return on assets (ROA)	2.1009%	330
Pretax return on assets	2.1009%	548
Return on Equity (ROE)	21.2109%	192
Retained earnings to average equity (ytd only)	2.4525%	4,117
Net charge-offs to loans	0.6395%	251
Credit loss provision to net charge-offs	31.6770%	2,903
Earnings coverage of net charge-offs (x)	4.6894%	2,984
Efficiency ratio	47.4161%	4,885
Assets per employee ($millions)	12.1823%	207
Cash dividends to net income (ytd only)*	88.4374%	467
Condition Ratios (%)
Loss allowance to loans	1.0534%	3,269
Loan loss allowance to noncurrent loans	780.3653%	695
Noncurrent assets plus other real estate owned to assets	0.0946%	4,241
Noncurrent loans to loans	0.1350%	4,049
Net loans and leases to total assets	69.3567%	2,573
Net loans and leases to deposits	77.3465%	3,165
Net loans and leases to core deposits	96.2711%	1,970
Total domestic deposits to total assets	89.6701%	384
Equity capital to assets	9.8538%	4,157
Core capital (leverage) ratio	9.8849%	3,752
Tier 1 risk-based capital ratio	12.6261%	4,069
Total risk-based capital ratio	13.5977%	4,108
Memoranda:
Average total assets	$223,392,000	2,653
Average earning assets	$217,438,750	2,573
Average equity	$22,126,500	2,975
Average total loans	$167,841,000	2,455
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8918%	1,773
Cost of funding earning assets	0.6554%	3,378
Net interest margin	4.2364%	1,276
Noninterest income to average assets	0.1649%	4,763
Noninterest expense to average assets	2.1060%	4,407
Loan and lease loss provision to assets	0.1087%	1,723
Net operating income to assets	2.0797%	343
Return on assets (ROA)	2.0797%	355
Pretax return on assets	2.0797%	581
Return on Equity (ROE)	20.9595%	206
Retained earnings to average equity (ytd only)	1.7169%	4,201
Net charge-offs to loans	0.0000%	3,172
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	49.0399%	4,835
Assets per employee ($millions)	12.4874%	180
Cash dividends to net income (ytd only)*	91.8083%	574
Condition Ratios (%)
Loss allowance to loans	1.4168%	1,538
Loan loss allowance to noncurrent loans	135.2473%	2,809
Noncurrent assets plus other real estate owned to assets	0.7826%	1,781
Noncurrent loans to loans	1.0476%	1,564
Net loans and leases to total assets	73.6455%	1,942
Net loans and leases to deposits	83.1588%	2,585
Net loans and leases to core deposits	99.7343%	1,749
Total domestic deposits to total assets	88.5601%	852
Equity capital to assets	10.0114%	3,969
Core capital (leverage) ratio	10.0977%	3,501
Tier 1 risk-based capital ratio	12.1670%	4,320
Total risk-based capital ratio	13.4180%	4,207
Memoranda:
Average total assets	$220,701,670	2,684
Average earning assets	$215,134,000	2,600
Average equity	$21,899,330	2,980
Average total loans	$169,706,670	2,456
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8114%	1,868
Cost of funding earning assets	0.5944%	3,605
Net interest margin	4.2170%	1,270
Noninterest income to average assets	0.1189%	5,020
Noninterest expense to average assets	2.1348%	4,409
Loan and lease loss provision to assets	0.1098%	1,625
Net operating income to assets	1.9884%	394
Return on assets (ROA)	1.9884%	412
Pretax return on assets	1.9884%	655
Return on Equity (ROE)	20.1320%	256
Retained earnings to average equity (ytd only)	-0.9260%	4,640
Net charge-offs to loans	0.0000%	2,740
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	50.4322%	4,795
Assets per employee ($millions)	11.6028%	226
Cash dividends to net income (ytd only)*	104.5998%	573
Condition Ratios (%)
Loss allowance to loans	1.3512%	1,864
Loan loss allowance to noncurrent loans	112.3002%	3,199
Noncurrent assets plus other real estate owned to assets	0.9367%	1,505
Noncurrent loans to loans	1.2032%	1,373
Net loans and leases to total assets	76.8000%	1,346
Net loans and leases to deposits	85.5411%	2,184
Net loans and leases to core deposits	101.9387%	1,468
Total domestic deposits to total assets	89.7815%	535
Equity capital to assets	9.8701%	3,944
Core capital (leverage) ratio	10.1155%	3,475
Tier 1 risk-based capital ratio	11.6462%	4,661
Total risk-based capital ratio	12.8931%	4,539
Memoranda:
Average total assets	$218,665,500	2,731
Average earning assets	$213,326,500	2,637
Average equity	$21,597,500	3,016
Average total loans	$170,602,500	2,470
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7147%	1,776
Cost of funding earning assets	0.3328%	4,390
Net interest margin	4.3819%	980
Noninterest income to average assets	0.1120%	5,114
Noninterest expense to average assets	2.1166%	4,522
Loan and lease loss provision to assets	0.1154%	1,913
Net operating income to assets	2.1781%	261
Return on assets (ROA)	2.1781%	254
Pretax return on assets	2.1781%	373
Return on Equity (ROE)	21.5970%	171
Retained earnings to average equity (ytd only)	3.7131%	3,534
Net charge-offs to loans	0.0000%	3,782
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	47.9943%	5,046
Assets per employee ($millions)	11.4146%	232
Cash dividends to net income (ytd only)*	82.8073%	613
Condition Ratios (%)
Loss allowance to loans	1.3321%	1,897
Loan loss allowance to noncurrent loans	6,454.2857%	130
Noncurrent assets plus other real estate owned to assets	0.0161%	4,810
Noncurrent loans to loans	0.0206%	4,697
Net loans and leases to total assets	77.1489%	1,417
Net loans and leases to deposits	85.9086%	2,287
Net loans and leases to core deposits	94.3546%	2,197
Total domestic deposits to total assets	89.8035%	540
Equity capital to assets	9.8839%	3,774
Core capital (leverage) ratio	10.2373%	3,315
Tier 1 risk-based capital ratio	11.8443%	4,540
Total risk-based capital ratio	13.0762%	4,425
Memoranda:
Average total assets	$208,021,400	2,788
Average earning assets	$204,042,400	2,689
Average equity	$20,979,800	2,996
Average total loans	$154,276,400	2,596
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6555%	1,812
Cost of funding earning assets	0.2587%	4,732
Net interest margin	4.3968%	905
Noninterest income to average assets	0.1082%	5,183
Noninterest expense to average assets	2.1482%	4,432
Loan and lease loss provision to assets	0.1166%	1,742
Net operating income to assets	2.1592%	277
Return on assets (ROA)	2.1592%	274
Pretax return on assets	2.1592%	425
Return on Equity (ROE)	21.2975%	198
Retained earnings to average equity (ytd only)	3.7956%	3,875
Net charge-offs to loans	0.0000%	3,489
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	48.5576%	5,028
Assets per employee ($millions)	10.7852%	262
Cash dividends to net income (ytd only)*	82.1782%	528
Condition Ratios (%)
Loss allowance to loans	1.3725%	1,805
Loan loss allowance to noncurrent loans	6,108.3333%	142
Noncurrent assets plus other real estate owned to assets	0.0176%	4,908
Noncurrent loans to loans	0.0225%	4,803
Net loans and leases to total assets	77.1108%	1,483
Net loans and leases to deposits	86.4196%	2,329
Net loans and leases to core deposits	94.2658%	2,260
Total domestic deposits to total assets	89.2284%	763
Equity capital to assets	10.2963%	3,337
Core capital (leverage) ratio	10.4378%	3,143
Tier 1 risk-based capital ratio	12.2764%	4,336
Total risk-based capital ratio	13.5260%	4,222
Memoranda:
Average total assets	$205,807,250	2,831
Average earning assets	$202,022,000	2,719
Average equity	$20,865,750	3,033
Average total loans	$150,451,000	2,652
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6045%	1,771
Cost of funding earning assets	0.2334%	4,831
Net interest margin	4.3711%	906
Noninterest income to average assets	0.1164%	5,206
Noninterest expense to average assets	2.1669%	4,447
Loan and lease loss provision to assets	0.1164%	1,704
Net operating income to assets	2.1222%	298
Return on assets (ROA)	2.1222%	290
Pretax return on assets	2.1222%	464
Return on Equity (ROE)	21.0410%	205
Retained earnings to average equity (ytd only)	3.7714%	3,716
Net charge-offs to loans	0.0000%	3,209
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	49.1850%	5,068
Assets per employee ($millions)	10.9283%	245
Cash dividends to net income (ytd only)*	82.0759%	664
Condition Ratios (%)
Loss allowance to loans	1.3912%	1,779
Loan loss allowance to noncurrent loans	5,628.9474%	144
Noncurrent assets plus other real estate owned to assets	0.0183%	4,940
Noncurrent loans to loans	0.0247%	4,820
Net loans and leases to total assets	73.0199%	2,108
Net loans and leases to deposits	81.6014%	2,808
Net loans and leases to core deposits	85.7116%	2,948
Total domestic deposits to total assets	89.4836%	743
Equity capital to assets	10.1191%	3,521
Core capital (leverage) ratio	10.3302%	3,207
Tier 1 risk-based capital ratio	12.6699%	4,082
Total risk-based capital ratio	13.9200%	3,984
Memoranda:
Average total assets	$206,103,670	2,844
Average earning assets	$202,238,330	2,736
Average equity	$20,788,000	3,051
Average total loans	$147,197,000	2,703
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2710%	2,633
Cost of funding earning assets	0.2062%	4,978
Net interest margin	4.0648%	1,525
Noninterest income to average assets	0.0877%	5,369
Noninterest expense to average assets	2.2188%	4,371
Loan and lease loss provision to assets	0.0974%	1,891
Net operating income to assets	1.7649%	601
Return on assets (ROA)	1.7649%	608
Pretax return on assets	1.7649%	974
Return on Equity (ROE)	17.5271%	456
Retained earnings to average equity (ytd only)	0.3482%	4,753
Net charge-offs to loans	0.0000%	2,722
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	54.3675%	4,761
Assets per employee ($millions)	10.3656%	283
Cash dividends to net income (ytd only)*	98.0132%	597
Condition Ratios (%)
Loss allowance to loans	1.4362%	1,705
Loan loss allowance to noncurrent loans	166.1847%	2,576
Noncurrent assets plus other real estate owned to assets	0.6005%	2,512
Noncurrent loans to loans	0.8642%	2,091
Net loans and leases to total assets	68.4913%	2,698
Net loans and leases to deposits	76.3088%	3,177
Net loans and leases to core deposits	80.8604%	3,257
Total domestic deposits to total assets	89.7555%	757
Equity capital to assets	9.9266%	3,669
Core capital (leverage) ratio	10.3520%	3,114
Tier 1 risk-based capital ratio	13.2624%	3,804
Total risk-based capital ratio	14.5134%	3,709
Memoranda:
Average total assets	$205,336,500	2,884
Average earning assets	$201,731,000	2,770
Average equity	$20,676,500	3,090
Average total loans	$143,917,500	2,763
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1764%	2,775
Cost of funding earning assets	0.1887%	5,034
Net interest margin	3.9877%	1,782
Noninterest income to average assets	0.1055%	5,395
Noninterest expense to average assets	2.0916%	4,784
Loan and lease loss provision to assets	0.0000%	4,227
Net operating income to assets	1.8997%	340
Return on assets (ROA)	1.9007%	348
Pretax return on assets	1.9007%	601
Return on Equity (ROE)	18.4566%	278
Retained earnings to average equity (ytd only)	2.2485%	3,971
Net charge-offs to loans	0.0000%	4,128
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	52.4037%	5,081
Assets per employee ($millions)	11.2979%	224
Cash dividends to net income (ytd only)*	87.8171%	581
Condition Ratios (%)
Loss allowance to loans	1.4043%	1,749
Loan loss allowance to noncurrent loans	162.0385%	2,654
Noncurrent assets plus other real estate owned to assets	0.6127%	2,494
Noncurrent loans to loans	0.8666%	2,061
Net loans and leases to total assets	69.7067%	2,565
Net loans and leases to deposits	77.8816%	3,124
Net loans and leases to core deposits	83.4326%	3,111
Total domestic deposits to total assets	89.5034%	774
Equity capital to assets	10.2153%	3,477
Core capital (leverage) ratio	10.7067%	2,644
Tier 1 risk-based capital ratio	13.4607%	3,650
Total risk-based capital ratio	14.7117%	3,559
Memoranda:
Average total assets	$199,084,400	2,930
Average earning assets	$193,994,200	2,824
Average equity	$20,502,200	3,081
Average total loans	$137,010,600	2,823
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1910%	2,647
Cost of funding earning assets	0.1835%	5,112
Net interest margin	4.0075%	1,672
Noninterest income to average assets	0.1104%	5,444
Noninterest expense to average assets	2.1244%	4,681
Loan and lease loss provision to assets	0.0000%	4,088
Net operating income to assets	1.8820%	402
Return on assets (ROA)	1.8833%	406
Pretax return on assets	1.8833%	717
Return on Equity (ROE)	18.2499%	312
Retained earnings to average equity (ytd only)	2.2250%	4,526
Net charge-offs to loans	0.0000%	3,796
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	53.0252%	5,010
Assets per employee ($millions)	10.9732%	237
Cash dividends to net income (ytd only)*	87.8082%	477
Condition Ratios (%)
Loss allowance to loans	1.4855%	1,592
Loan loss allowance to noncurrent loans	161.9086%	2,624
Noncurrent assets plus other real estate owned to assets	0.6313%	2,616
Noncurrent loans to loans	0.9175%	2,093
Net loans and leases to total assets	67.7872%	2,874
Net loans and leases to deposits	76.1550%	3,360
Net loans and leases to core deposits	81.7936%	3,308
Total domestic deposits to total assets	89.0121%	883
Equity capital to assets	10.5717%	3,289
Core capital (leverage) ratio	10.8314%	2,613
Tier 1 risk-based capital ratio	13.9420%	3,470
Total risk-based capital ratio	15.1933%	3,394
Memoranda:
Average total assets	$198,015,000	2,968
Average earning assets	$192,501,000	2,869
Average equity	$20,434,250	3,114
Average total loans	$135,319,250	2,862
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2024%	2,465
Cost of funding earning assets	0.1760%	5,168
Net interest margin	4.0264%	1,527
Noninterest income to average assets	0.1221%	5,439
Noninterest expense to average assets	2.1415%	4,692
Loan and lease loss provision to assets	0.0000%	3,871
Net operating income to assets	1.8821%	385
Return on assets (ROA)	1.8831%	396
Pretax return on assets	1.8831%	687
Return on Equity (ROE)	18.3975%	302
Retained earnings to average equity (ytd only)	2.3860%	4,253
Net charge-offs to loans	0.0000%	3,512
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	53.2230%	5,080
Assets per employee ($millions)	10.8801%	233
Cash dividends to net income (ytd only)*	87.0311%	690
Condition Ratios (%)
Loss allowance to loans	1.4876%	1,621
Loan loss allowance to noncurrent loans	4,807.1429%	147
Noncurrent assets plus other real estate owned to assets	0.0214%	5,189
Noncurrent loans to loans	0.0309%	5,035
Net loans and leases to total assets	68.2717%	2,774
Net loans and leases to deposits	76.6792%	3,262
Net loans and leases to core deposits	81.0996%	3,337
Total domestic deposits to total assets	89.0355%	935
Equity capital to assets	10.6015%	3,225
Core capital (leverage) ratio	10.4858%	2,933
Tier 1 risk-based capital ratio	13.8069%	3,531
Total risk-based capital ratio	15.0582%	3,453
Memoranda:
Average total assets	$198,180,670	2,982
Average earning assets	$192,033,330	2,885
Average equity	$20,285,330	3,127
Average total loans	$135,122,000	2,868
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1877%	2,314
Cost of funding earning assets	0.1786%	5,167
Net interest margin	4.0091%	1,448
Noninterest income to average assets	0.1344%	5,440
Noninterest expense to average assets	2.1329%	4,788
Loan and lease loss provision to assets	0.0000%	3,537
Net operating income to assets	1.8741%	388
Return on assets (ROA)	1.8761%	402
Pretax return on assets	1.8761%	680
Return on Equity (ROE)	18.6562%	299
Retained earnings to average equity (ytd only)	2.4941%	4,144
Net charge-offs to loans	0.0000%	2,943
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	53.2298%	5,185
Assets per employee ($millions)	11.1247%	215
Cash dividends to net income (ytd only)*	86.6310%	866
Condition Ratios (%)
Loss allowance to loans	1.4844%	1,749
Loan loss allowance to noncurrent loans	4,695.3488%	173
Noncurrent assets plus other real estate owned to assets	0.0215%	5,248
Noncurrent loans to loans	0.0316%	5,083
Net loans and leases to total assets	66.9160%	2,829
Net loans and leases to deposits	74.6671%	3,338
Net loans and leases to core deposits	78.8411%	3,403
Total domestic deposits to total assets	89.6192%	845
Equity capital to assets	10.0941%	3,635
Core capital (leverage) ratio	10.2934%	3,121
Tier 1 risk-based capital ratio	13.7614%	3,623
Total risk-based capital ratio	15.0131%	3,529
Memoranda:
Average total assets	$199,350,500	3,002
Average earning assets	$192,564,000	2,902
Average equity	$20,047,000	3,169
Average total loans	$134,821,500	2,892
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0150%	3,141
Cost of funding earning assets	0.1942%	5,072
Net interest margin	3.8208%	2,243
Noninterest income to average assets	0.1032%	5,637
Noninterest expense to average assets	2.0778%	5,039
Loan and lease loss provision to assets	0.0087%	4,193
Net operating income to assets	1.7249%	514
Return on assets (ROA)	1.7583%	500
Pretax return on assets	1.7583%	872
Return on Equity (ROE)	16.9415%	414
Retained earnings to average equity (ytd only)	1.8560%	4,475
Net charge-offs to loans	0.0000%	4,281
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	54.5148%	5,198
Assets per employee ($millions)	11.0253%	224
Cash dividends to net income (ytd only)*	89.0447%	613
Condition Ratios (%)
Loss allowance to loans	1.5109%	1,625
Loan loss allowance to noncurrent loans	4,588.6364%	164
Noncurrent assets plus other real estate owned to assets	0.0222%	5,300
Noncurrent loans to loans	0.0329%	5,133
Net loans and leases to total assets	66.3165%	3,024
Net loans and leases to deposits	73.8911%	3,525
Net loans and leases to core deposits	82.5394%	3,169
Total domestic deposits to total assets	89.7489%	751
Equity capital to assets	10.0178%	3,703
Core capital (leverage) ratio	10.2896%	3,121
Tier 1 risk-based capital ratio	14.0753%	3,421
Total risk-based capital ratio	15.3276%	3,337
Memoranda:
Average total assets	$194,678,000	3,014
Average earning assets	$188,940,000	2,904
Average equity	$20,204,800	3,150
Average total loans	$129,428,000	2,929
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9936%	3,247
Cost of funding earning assets	0.1957%	5,117
Net interest margin	3.7979%	2,342
Noninterest income to average assets	0.1039%	5,696
Noninterest expense to average assets	2.0770%	5,047
Loan and lease loss provision to assets	0.0096%	4,046
Net operating income to assets	1.7040%	586
Return on assets (ROA)	1.7488%	570
Pretax return on assets	1.7488%	1,004
Return on Equity (ROE)	16.7010%	474
Retained earnings to average equity (ytd only)	1.9849%	4,692
Net charge-offs to loans	0.0000%	3,952
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	54.7930%	5,174
Assets per employee ($millions)	11.2523%	205
Cash dividends to net income (ytd only)*	88.1148%	569
Condition Ratios (%)
Loss allowance to loans	1.5029%	1,756
Loan loss allowance to noncurrent loans	4,382.6087%	171
Noncurrent assets plus other real estate owned to assets	0.0227%	5,420
Noncurrent loans to loans	0.0343%	5,237
Net loans and leases to total assets	65.2339%	3,245
Net loans and leases to deposits	72.9180%	3,713
Net loans and leases to core deposits	81.9747%	3,282
Total domestic deposits to total assets	89.4619%	690
Equity capital to assets	10.2196%	3,890
Core capital (leverage) ratio	10.1897%	3,343
Tier 1 risk-based capital ratio	14.0341%	3,546
Total risk-based capital ratio	15.2863%	3,464
Memoranda:
Average total assets	$193,733,500	3,033
Average earning assets	$188,065,250	2,929
Average equity	$20,285,750	3,161
Average total loans	$128,378,000	2,949
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9637%	3,374
Cost of funding earning assets	0.1980%	5,167
Net interest margin	3.7657%	2,454
Noninterest income to average assets	0.1059%	5,756
Noninterest expense to average assets	2.0954%	5,066
Loan and lease loss provision to assets	0.0052%	3,951
Net operating income to assets	1.6531%	639
Return on assets (ROA)	1.7212%	588
Pretax return on assets	1.7212%	1,044
Return on Equity (ROE)	16.2994%	497
Retained earnings to average equity (ytd only)	1.5783%	4,748
Net charge-offs to loans	0.0000%	3,689
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	55.8224%	5,160
Assets per employee ($millions)	10.8840%	213
Cash dividends to net income (ytd only)*	90.3167%	681
Condition Ratios (%)
Loss allowance to loans	1.5466%	1,692
Loan loss allowance to noncurrent loans	4,270.2128%	175
Noncurrent assets plus other real estate owned to assets	0.0240%	5,494
Noncurrent loans to loans	0.0362%	5,323
Net loans and leases to total assets	65.2130%	3,196
Net loans and leases to deposits	73.0872%	3,696
Net loans and leases to core deposits	82.6695%	3,211
Total domestic deposits to total assets	89.2263%	797
Equity capital to assets	10.4899%	3,639
Core capital (leverage) ratio	10.3509%	3,129
Tier 1 risk-based capital ratio	14.3318%	3,418
Total risk-based capital ratio	15.5838%	3,337
Memoranda:
Average total assets	$190,797,330	3,079
Average earning assets	$184,826,670	2,988
Average equity	$20,148,000	3,182
Average total loans	$126,456,670	2,991
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9213%	3,506
Cost of funding earning assets	0.2000%	5,206
Net interest margin	3.7212%	2,589
Noninterest income to average assets	0.1211%	5,734
Noninterest expense to average assets	2.0442%	5,237
Loan and lease loss provision to assets	0.0000%	3,656
Net operating income to assets	1.6745%	609
Return on assets (ROA)	1.6957%	623
Pretax return on assets	1.6957%	1,080
Return on Equity (ROE)	16.0028%	532
Retained earnings to average equity (ytd only)	0.6618%	4,949
Net charge-offs to loans	0.0000%	3,094
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	54.9714%	5,289
Assets per employee ($millions)	11.9172%	157
Cash dividends to net income (ytd only)*	95.8647%	754
Condition Ratios (%)
Loss allowance to loans	1.6088%	1,580
Loan loss allowance to noncurrent loans	3,925.4902%	189
Noncurrent assets plus other real estate owned to assets	0.0252%	5,542
Noncurrent loans to loans	0.0410%	5,331
Net loans and leases to total assets	60.4372%	3,716
Net loans and leases to deposits	67.2321%	4,133
Net loans and leases to core deposits	75.6257%	3,715
Total domestic deposits to total assets	89.8935%	642
Equity capital to assets	9.8888%	4,227
Core capital (leverage) ratio	10.5021%	2,962
Tier 1 risk-based capital ratio	14.6590%	3,305
Total risk-based capital ratio	15.9117%	3,248
Memoranda:
Average total assets	$188,240,000	3,110
Average earning assets	$181,982,500	3,023
Average equity	$19,946,500	3,205
Average total loans	$124,801,500	3,017
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9851%	3,361
Cost of funding earning assets	0.2131%	5,163
Net interest margin	3.7720%	2,470
Noninterest income to average assets	0.0907%	5,901
Noninterest expense to average assets	2.1189%	5,217
Loan and lease loss provision to assets	0.0000%	4,380
Net operating income to assets	1.6900%	590
Return on assets (ROA)	1.6900%	606
Pretax return on assets	1.6900%	1,025
Return on Equity (ROE)	15.1240%	668
Retained earnings to average equity (ytd only)	2.5326%	4,264
Net charge-offs to loans	0.0000%	4,462
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	55.6292%	5,383
Assets per employee ($millions)	10.2287%	248
Cash dividends to net income (ytd only)*	83.2541%	787
Condition Ratios (%)
Loss allowance to loans	1.5996%	1,616
Loan loss allowance to noncurrent loans	3,777.3585%	210
Noncurrent assets plus other real estate owned to assets	0.0305%	5,568
Noncurrent loans to loans	0.0423%	5,346
Net loans and leases to total assets	70.8260%	2,239
Net loans and leases to deposits	80.1424%	2,806
Net loans and leases to core deposits	89.7038%	2,430
Total domestic deposits to total assets	88.3753%	1,434
Equity capital to assets	11.4206%	2,427
Core capital (leverage) ratio	11.1681%	2,248
Tier 1 risk-based capital ratio	14.8256%	3,258
Total risk-based capital ratio	16.0787%	3,195
Memoranda:
Average total assets	$174,197,400	3,244
Average earning assets	$171,714,800	3,100
Average equity	$19,465,800	3,224
Average total loans	$121,265,600	3,032
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9191%	3,689
Cost of funding earning assets	0.2148%	5,234
Net interest margin	3.7043%	2,753
Noninterest income to average assets	0.0918%	5,987
Noninterest expense to average assets	2.1062%	5,259
Loan and lease loss provision to assets	0.0000%	4,232
Net operating income to assets	1.6395%	703
Return on assets (ROA)	1.6395%	729
Pretax return on assets	1.6395%	1,269
Return on Equity (ROE)	14.7529%	761
Retained earnings to average equity (ytd only)	2.5472%	4,603
Net charge-offs to loans	0.0000%	4,182
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	56.2296%	5,326
Assets per employee ($millions)	10.5195%	225
Cash dividends to net income (ytd only)*	82.7345%	677
Condition Ratios (%)
Loss allowance to loans	1.6166%	1,730
Loan loss allowance to noncurrent loans	3,707.4074%	204
Noncurrent assets plus other real estate owned to assets	0.0302%	5,668
Noncurrent loans to loans	0.0436%	5,444
Net loans and leases to total assets	68.1310%	2,657
Net loans and leases to deposits	76.8906%	3,209
Net loans and leases to core deposits	84.3878%	2,998
Total domestic deposits to total assets	88.6077%	1,232
Equity capital to assets	11.0724%	2,936
Core capital (leverage) ratio	11.2994%	2,199
Tier 1 risk-based capital ratio	14.6669%	3,459
Total risk-based capital ratio	15.9205%	3,395
Memoranda:
Average total assets	$174,274,750	3,269
Average earning assets	$171,905,500	3,121
Average equity	$19,367,500	3,261
Average total loans	$120,292,000	3,070
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8978%	3,703
Cost of funding earning assets	0.2265%	5,178
Net interest margin	3.6714%	2,832
Noninterest income to average assets	0.0915%	6,055
Noninterest expense to average assets	2.1325%	5,269
Loan and lease loss provision to assets	0.0000%	4,069
Net operating income to assets	1.5814%	776
Return on assets (ROA)	1.5814%	806
Pretax return on assets	1.5814%	1,387
Return on Equity (ROE)	14.2121%	861
Retained earnings to average equity (ytd only)	1.9248%	4,736
Net charge-offs to loans	0.0000%	3,893
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	57.4190%	5,290
Assets per employee ($millions)	10.2906%	241
Cash dividends to net income (ytd only)*	86.4568%	786
Condition Ratios (%)
Loss allowance to loans	1.6452%	1,760
Loan loss allowance to noncurrent loans	3,707.4074%	173
Noncurrent assets plus other real estate owned to assets	0.0309%	5,747
Noncurrent loans to loans	0.0444%	5,571
Net loans and leases to total assets	68.4128%	2,586
Net loans and leases to deposits	77.2237%	3,129
Net loans and leases to core deposits	84.4919%	2,931
Total domestic deposits to total assets	88.5904%	1,366
Equity capital to assets	11.1380%	2,733
Core capital (leverage) ratio	11.1414%	2,300
Tier 1 risk-based capital ratio	14.5393%	3,612
Total risk-based capital ratio	15.7922%	3,542
Memoranda:
Average total assets	$172,755,670	3,306
Average earning assets	$170,454,330	3,160
Average equity	$19,223,000	3,295
Average total loans	$119,108,670	3,097
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7871%	4,059
Cost of funding earning assets	0.2388%	5,137
Net interest margin	3.5483%	3,230
Noninterest income to average assets	0.0839%	6,139
Noninterest expense to average assets	2.1251%	5,328
Loan and lease loss provision to assets	0.0000%	3,703
Net operating income to assets	1.4563%	929
Return on assets (ROA)	1.4563%	989
Pretax return on assets	1.4563%	1,707
Return on Equity (ROE)	13.0945%	1,065
Retained earnings to average equity (ytd only)	-1.0476%	5,565
Net charge-offs to loans	0.0000%	3,288
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	59.3364%	5,176
Assets per employee ($millions)	10.1012%	253
Cash dividends to net income (ytd only)*	108.0000%	607
Condition Ratios (%)
Loss allowance to loans	1.6962%	1,749
Loan loss allowance to noncurrent loans	398.0119%	1,207
Noncurrent assets plus other real estate owned to assets	0.2929%	4,800
Noncurrent loans to loans	0.4262%	4,318
Net loans and leases to total assets	67.5670%	2,517
Net loans and leases to deposits	76.2712%	3,025
Net loans and leases to core deposits	79.3373%	3,243
Total domestic deposits to total assets	88.5878%	1,505
Equity capital to assets	11.3097%	2,638
Core capital (leverage) ratio	11.2173%	2,219
Tier 1 risk-based capital ratio	14.8794%	3,494
Total risk-based capital ratio	16.1333%	3,432
Memoranda:
Average total assets	$171,663,000	3,332
Average earning assets	$169,206,500	3,190
Average equity	$19,092,000	3,329
Average total loans	$117,821,000	3,129
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9039%	4,111
Cost of funding earning assets	0.2666%	5,140
Net interest margin	3.6373%	3,267
Noninterest income to average assets	0.0942%	6,173
Noninterest expense to average assets	2.1378%	5,487
Loan and lease loss provision to assets	0.0456%	3,663
Net operating income to assets	1.4760%	923
Return on assets (ROA)	1.4760%	962
Pretax return on assets	1.4760%	1,634
Return on Equity (ROE)	13.4953%	1,042
Retained earnings to average equity (ytd only)	3.2058%	3,956
Net charge-offs to loans	0.0000%	4,970
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	58.4191%	5,419
Assets per employee ($millions)	10.0945%	245
Cash dividends to net income (ytd only)*	76.2454%	1,040
Condition Ratios (%)
Loss allowance to loans	1.7022%	1,767
Loan loss allowance to noncurrent loans	390.2534%	1,301
Noncurrent assets plus other real estate owned to assets	0.2989%	4,839
Noncurrent loans to loans	0.4362%	4,337
Net loans and leases to total assets	67.3706%	2,674
Net loans and leases to deposits	75.6960%	3,233
Net loans and leases to core deposits	79.9159%	3,308
Total domestic deposits to total assets	89.0016%	1,233
Equity capital to assets	10.9338%	2,968
Core capital (leverage) ratio	10.3685%	3,092
Tier 1 risk-based capital ratio	15.2218%	3,366
Total risk-based capital ratio	16.4768%	3,312
Memoranda:
Average total assets	$164,562,000	3,419
Average earning assets	$161,300,800	3,262
Average equity	$17,998,800	3,397
Average total loans	$108,720,200	3,250
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8643%	4,306
Cost of funding earning assets	0.2644%	5,262
Net interest margin	3.6000%	3,427
Noninterest income to average assets	0.0942%	6,267
Noninterest expense to average assets	2.1932%	5,367
Loan and lease loss provision to assets	0.0426%	3,546
Net operating income to assets	1.3824%	1,167
Return on assets (ROA)	1.3824%	1,209
Pretax return on assets	1.3824%	2,075
Return on Equity (ROE)	12.6384%	1,311
Retained earnings to average equity (ytd only)	1.8269%	5,138
Net charge-offs to loans	0.0000%	4,696
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	60.6157%	5,105
Assets per employee ($millions)	9.9710%	242
Cash dividends to net income (ytd only)*	85.5453%	616
Condition Ratios (%)
Loss allowance to loans	1.7342%	1,873
Loan loss allowance to noncurrent loans	379.1188%	1,254
Noncurrent assets plus other real estate owned to assets	0.3080%	5,033
Noncurrent loans to loans	0.4574%	4,531
Net loans and leases to total assets	66.1554%	2,839
Net loans and leases to deposits	74.3128%	3,397
Net loans and leases to core deposits	77.1907%	3,617
Total domestic deposits to total assets	89.0229%	1,225
Equity capital to assets	10.7813%	3,204
Core capital (leverage) ratio	10.9788%	2,513
Tier 1 risk-based capital ratio	15.1255%	3,516
Total risk-based capital ratio	16.3809%	3,454
Memoranda:
Average total assets	$162,801,000	3,473
Average earning assets	$159,368,000	3,316
Average equity	$17,807,750	3,442
Average total loans	$106,496,750	3,316
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9004%	4,133
Cost of funding earning assets	0.2676%	5,312
Net interest margin	3.6328%	3,219
Noninterest income to average assets	0.0984%	6,291
Noninterest expense to average assets	2.2334%	5,334
Loan and lease loss provision to assets	0.0561%	3,176
Net operating income to assets	1.3602%	1,161
Return on assets (ROA)	1.3602%	1,204
Pretax return on assets	1.3602%	2,040
Return on Equity (ROE)	12.3725%	1,338
Retained earnings to average equity (ytd only)	0.6345%	5,479
Net charge-offs to loans	0.0000%	4,375
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	61.1945%	5,116
Assets per employee ($millions)	9.1572%	310
Cash dividends to net income (ytd only)*	94.8718%	602
Condition Ratios (%)
Loss allowance to loans	1.8648%	1,666
Loan loss allowance to noncurrent loans	370.6767%	1,243
Noncurrent assets plus other real estate owned to assets	0.3417%	5,015
Noncurrent loans to loans	0.5031%	4,485
Net loans and leases to total assets	66.6652%	2,645
Net loans and leases to deposits	75.7130%	3,097
Net loans and leases to core deposits	80.8002%	3,117
Total domestic deposits to total assets	88.0499%	1,871
Equity capital to assets	11.6360%	2,289
Core capital (leverage) ratio	11.2075%	2,234
Tier 1 risk-based capital ratio	16.2460%	2,959
Total risk-based capital ratio	17.5031%	2,903
Memoranda:
Average total assets	$160,565,670	3,527
Average earning assets	$156,959,670	3,364
Average equity	$17,652,000	3,458
Average total loans	$103,956,670	3,378
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8082%	4,456
Cost of funding earning assets	0.2700%	5,383
Net interest margin	3.5382%	3,531
Noninterest income to average assets	0.0957%	6,346
Noninterest expense to average assets	2.2207%	5,412
Loan and lease loss provision to assets	0.0736%	2,668
Net operating income to assets	1.2735%	1,288
Return on assets (ROA)	1.2735%	1,337
Pretax return on assets	1.2735%	2,202
Return on Equity (ROE)	11.9167%	1,433
Retained earnings to average equity (ytd only)	-2.5027%	5,912
Net charge-offs to loans	0.0000%	3,660
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	62.2421%	5,088
Assets per employee ($millions)	10.0226%	229
Cash dividends to net income (ytd only)*	121.0019%	526
Condition Ratios (%)
Loss allowance to loans	1.9136%	1,711
Loan loss allowance to noncurrent loans	363.7546%	1,257
Noncurrent assets plus other real estate owned to assets	0.3158%	5,204
Noncurrent loans to loans	0.5261%	4,597
Net loans and leases to total assets	58.8731%	3,719
Net loans and leases to deposits	65.9815%	4,099
Net loans and leases to core deposits	70.3093%	4,052
Total domestic deposits to total assets	89.2268%	1,515
Equity capital to assets	10.3149%	3,443
Core capital (leverage) ratio	10.7721%	2,630
Tier 1 risk-based capital ratio	16.2201%	3,050
Total risk-based capital ratio	17.4766%	3,005
Memoranda:
Average total assets	$163,012,500	3,513
Average earning assets	$159,970,500	3,346
Average equity	$17,421,000	3,493
Average total loans	$103,059,500	3,408
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1530%	3,528
Cost of funding earning assets	0.3384%	5,259
Net interest margin	3.8146%	2,601
Noninterest income to average assets	0.0992%	6,389
Noninterest expense to average assets	2.3556%	5,213
Loan and lease loss provision to assets	0.1323%	2,657
Net operating income to assets	1.3480%	1,140
Return on assets (ROA)	1.3818%	1,102
Pretax return on assets	1.3818%	1,857
Return on Equity (ROE)	11.8980%	1,450
Retained earnings to average equity (ytd only)	7.2337%	1,343
Net charge-offs to loans	0.0000%	5,475
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	61.4086%	5,304
Assets per employee ($millions)	9.1553%	315
Cash dividends to net income (ytd only)*	39.2020%	2,848
Condition Ratios (%)
Loss allowance to loans	1.8555%	1,908
Loan loss allowance to noncurrent loans	354.2279%	1,293
Noncurrent assets plus other real estate owned to assets	0.3495%	5,214
Noncurrent loans to loans	0.5238%	4,682
Net loans and leases to total assets	65.4870%	2,775
Net loans and leases to deposits	73.7217%	3,303
Net loans and leases to core deposits	78.7916%	3,268
Total domestic deposits to total assets	88.8300%	1,731
Equity capital to assets	11.0942%	2,529
Core capital (leverage) ratio	11.5388%	1,933
Tier 1 risk-based capital ratio	15.8822%	3,157
Total risk-based capital ratio	17.1383%	3,110
Memoranda:
Average total assets	$145,100,400	3,785
Average earning assets	$142,137,600	3,632
Average equity	$16,851,600	3,582
Average total loans	$96,975,000	3,533
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1747%	3,479
Cost of funding earning assets	0.3518%	5,276
Net interest margin	3.8229%	2,564
Noninterest income to average assets	0.1039%	6,468
Noninterest expense to average assets	2.3968%	5,034
Loan and lease loss provision to assets	0.1610%	2,244
Net operating income to assets	1.2887%	1,378
Return on assets (ROA)	1.3346%	1,308
Pretax return on assets	1.3346%	2,195
Return on Equity (ROE)	11.3525%	1,692
Retained earnings to average equity (ytd only)	7.6028%	1,588
Net charge-offs to loans	0.0000%	5,212
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	62.3114%	5,095
Assets per employee ($millions)	8.6742%	355
Cash dividends to net income (ytd only)*	33.0292%	2,564
Condition Ratios (%)
Loss allowance to loans	1.8489%	2,143
Loan loss allowance to noncurrent loans	346.7273%	1,217
Noncurrent assets plus other real estate owned to assets	0.3730%	5,292
Noncurrent loans to loans	0.5332%	4,861
Net loans and leases to total assets	68.6529%	2,207
Net loans and leases to deposits	77.7508%	2,707
Net loans and leases to core deposits	84.2820%	2,623
Total domestic deposits to total assets	88.2987%	1,940
Equity capital to assets	11.5047%	2,301
Core capital (leverage) ratio	11.4635%	2,070
Tier 1 risk-based capital ratio	15.8058%	3,295
Total risk-based capital ratio	17.0619%	3,247
Memoranda:
Average total assets	$142,465,500	3,878
Average earning assets	$139,471,500	3,706
Average equity	$16,747,750	3,639
Average total loans	$95,256,000	3,592
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1122%	3,690
Cost of funding earning assets	0.3539%	5,363
Net interest margin	3.7582%	2,729
Noninterest income to average assets	0.1108%	6,492
Noninterest expense to average assets	2.4006%	5,049
Loan and lease loss provision to assets	0.1776%	2,139
Net operating income to assets	1.2131%	1,560
Return on assets (ROA)	1.2827%	1,462
Pretax return on assets	1.2827%	2,361
Return on Equity (ROE)	10.8304%	1,870
Retained earnings to average equity (ytd only)	8.9473%	1,140
Net charge-offs to loans	0.0000%	4,909
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	63.3196%	4,958
Assets per employee ($millions)	8.8698%	325
Cash dividends to net income (ytd only)*	17.3865%	3,094
Condition Ratios (%)
Loss allowance to loans	1.8722%	2,189
Loan loss allowance to noncurrent loans	335.1351%	1,260
Noncurrent assets plus other real estate owned to assets	0.3681%	5,378
Noncurrent loans to loans	0.5586%	4,863
Net loans and leases to total assets	64.6528%	2,817
Net loans and leases to deposits	72.8860%	3,322
Net loans and leases to core deposits	77.6345%	3,343
Total domestic deposits to total assets	88.7039%	1,776
Equity capital to assets	11.1561%	2,605
Core capital (leverage) ratio	11.4727%	1,953
Tier 1 risk-based capital ratio	16.2561%	3,068
Total risk-based capital ratio	17.5132%	3,010
Memoranda:
Average total assets	$140,800,000	3,932
Average earning assets	$137,884,000	3,758
Average equity	$16,675,330	3,669
Average total loans	$92,626,670	3,665
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2005%	3,298
Cost of funding earning assets	0.3791%	5,295
Net interest margin	3.8214%	2,370
Noninterest income to average assets	0.1031%	6,562
Noninterest expense to average assets	2.4947%	4,775
Loan and lease loss provision to assets	0.1767%	2,097
Net operating income to assets	1.1723%	1,607
Return on assets (ROA)	1.3166%	1,344
Pretax return on assets	1.3166%	2,171
Return on Equity (ROE)	10.7698%	1,771
Retained earnings to average equity (ytd only)	10.7698%	922
Net charge-offs to loans	0.0000%	4,145
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	64.9042%	4,840
Assets per employee ($millions)	8.2810%	440
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	1.9846%	2,089
Loan loss allowance to noncurrent loans	319.9643%	1,244
Noncurrent assets plus other real estate owned to assets	0.3985%	5,399
Noncurrent loans to loans	0.6203%	4,893
Net loans and leases to total assets	62.9734%	2,887
Net loans and leases to deposits	71.5842%	3,240
Net loans and leases to core deposits	77.2425%	3,167
Total domestic deposits to total assets	87.9710%	2,330
Equity capital to assets	11.9295%	2,089
Core capital (leverage) ratio	12.0909%	1,515
Tier 1 risk-based capital ratio	17.5983%	2,520
Total risk-based capital ratio	18.8566%	2,485
Memoranda:
Average total assets	$135,806,500	4,069
Average earning assets	$132,936,500	3,882
Average equity	$16,602,000	3,730
Average total loans	$89,266,000	3,766
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2629%	4,352
Cost of funding earning assets	0.5492%	4,827
Net interest margin	3.7137%	3,589
Noninterest income to average assets	0.0894%	6,547
Noninterest expense to average assets	2.4258%	5,341
Loan and lease loss provision to assets	0.1757%	3,424
Net operating income to assets	1.0887%	1,975
Return on assets (ROA)	1.0887%	2,162
Pretax return on assets	1.0887%	3,201
Return on Equity (ROE)	8.9980%	2,634
Retained earnings to average equity (ytd only)	4.6411%	2,951
Net charge-offs to loans	0.0000%	5,985
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	65.7350%	4,555
Assets per employee ($millions)	7.6962%	576
Cash dividends to net income (ytd only)*	48.4211%	2,402
Condition Ratios (%)
Loss allowance to loans	1.9697%	2,105
Loan loss allowance to noncurrent loans	306.5371%	1,269
Noncurrent assets plus other real estate owned to assets	0.4326%	5,407
Noncurrent loans to loans	0.6426%	4,912
Net loans and leases to total assets	65.9987%	2,527
Net loans and leases to deposits	75.5376%	2,875
Net loans and leases to core deposits	80.0241%	2,994
Total domestic deposits to total assets	87.3720%	2,596
Equity capital to assets	12.5424%	1,677
Core capital (leverage) ratio	12.0712%	1,529
Tier 1 risk-based capital ratio	17.5344%	2,445
Total risk-based capital ratio	18.7926%	2,411
Memoranda:
Average total assets	$130,886,800	4,128
Average earning assets	$126,908,000	3,967
Average equity	$15,836,800	3,800
Average total loans	$83,076,800	3,938
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2308%	4,706
Cost of funding earning assets	0.5904%	4,740
Net interest margin	3.6404%	4,055
Noninterest income to average assets	0.0866%	6,668
Noninterest expense to average assets	2.3203%	5,634
Loan and lease loss provision to assets	0.2037%	3,039
Net operating income to assets	1.0858%	2,148
Return on assets (ROA)	1.0858%	2,342
Pretax return on assets	1.0858%	3,404
Return on Equity (ROE)	9.0566%	2,775
Retained earnings to average equity (ytd only)	9.0566%	1,210
Net charge-offs to loans	0.0000%	5,771
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	64.2777%	4,768
Assets per employee ($millions)	7.9069%	501
Cash dividends to net income (ytd only)*	0.0000%	3,713
Condition Ratios (%)
Loss allowance to loans	2.0082%	2,148
Loan loss allowance to noncurrent loans	298.0769%	1,249
Noncurrent assets plus other real estate owned to assets	0.4255%	5,620
Noncurrent loans to loans	0.6737%	5,097
Net loans and leases to total assets	61.8950%	3,401
Net loans and leases to deposits	70.5403%	3,823
Net loans and leases to core deposits	74.5863%	3,903
Total domestic deposits to total assets	87.7442%	2,200
Equity capital to assets	12.1435%	2,154
Core capital (leverage) ratio	11.6961%	1,847
Tier 1 risk-based capital ratio	18.0308%	2,324
Total risk-based capital ratio	19.2896%	2,297
Memoranda:
Average total assets	$130,899,500	4,163
Average earning assets	$126,687,500	4,003
Average equity	$15,693,500	3,864
Average total loans	$81,824,750	4,027
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2307%	4,845
Cost of funding earning assets	0.6485%	4,453
Net interest margin	3.5821%	4,339
Noninterest income to average assets	0.0863%	6,730
Noninterest expense to average assets	2.2971%	5,749
Loan and lease loss provision to assets	0.2158%	2,911
Net operating income to assets	1.0391%	2,304
Return on assets (ROA)	1.0391%	2,527
Pretax return on assets	1.0391%	3,562
Return on Equity (ROE)	8.7059%	2,935
Retained earnings to average equity (ytd only)	8.7059%	1,374
Net charge-offs to loans	0.0000%	5,507
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	64.6701%	4,772
Assets per employee ($millions)	8.2696%	418
Cash dividends to net income (ytd only)*	0.0000%	3,523
Condition Ratios (%)
Loss allowance to loans	2.0590%	2,089
Loan loss allowance to noncurrent loans	284.6021%	1,253
Noncurrent assets plus other real estate owned to assets	0.4368%	5,684
Noncurrent loans to loans	0.7235%	5,060
Net loans and leases to total assets	59.1381%	3,964
Net loans and leases to deposits	67.2719%	4,320
Net loans and leases to core deposits	70.3416%	4,495
Total domestic deposits to total assets	87.9091%	2,203
Equity capital to assets	11.9950%	2,155
Core capital (leverage) ratio	11.6542%	1,807
Tier 1 risk-based capital ratio	18.3977%	2,160
Total risk-based capital ratio	19.6569%	2,119
Memoranda:
Average total assets	$129,726,670	4,217
Average earning assets	$125,511,670	4,043
Average equity	$15,483,670	3,894
Average total loans	$80,798,670	4,080
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2999%	4,737
Cost of funding earning assets	0.7145%	4,159
Net interest margin	3.5854%	4,327
Noninterest income to average assets	0.0841%	6,806
Noninterest expense to average assets	2.2798%	5,822
Loan and lease loss provision to assets	0.2492%	2,468
Net operating income to assets	1.0247%	2,384
Return on assets (ROA)	1.0247%	2,571
Pretax return on assets	1.0247%	3,590
Return on Equity (ROE)	8.6069%	2,991
Retained earnings to average equity (ytd only)	8.6069%	1,726
Net charge-offs to loans	0.0000%	4,730
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	64.1543%	4,895
Assets per employee ($millions)	8.6663%	369
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	1.8771%	2,748
Loan loss allowance to noncurrent loans	271.4041%	1,238
Noncurrent assets plus other real estate owned to assets	0.4493%	5,738
Noncurrent loans to loans	0.6916%	5,283
Net loans and leases to total assets	63.7376%	2,901
Net loans and leases to deposits	72.4631%	3,360
Net loans and leases to core deposits	77.3442%	3,420
Total domestic deposits to total assets	87.9587%	2,346
Equity capital to assets	11.9206%	2,098
Core capital (leverage) ratio	11.6748%	1,791
Tier 1 risk-based capital ratio	17.2102%	2,600
Total risk-based capital ratio	18.4673%	2,562
Memoranda:
Average total assets	$128,433,000	4,270
Average earning assets	$124,283,000	4,106
Average equity	$15,290,000	3,936
Average total loans	$81,251,500	4,087
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3102%	5,730
Cost of funding earning assets	0.8411%	4,537
Net interest margin	3.4691%	5,255
Noninterest income to average assets	0.0694%	6,757
Noninterest expense to average assets	2.2699%	6,118
Loan and lease loss provision to assets	0.2502%	3,699
Net operating income to assets	0.8920%	2,635
Return on assets (ROA)	0.8920%	2,769
Pretax return on assets	0.8920%	3,633
Return on Equity (ROE)	7.6791%	3,065
Retained earnings to average equity (ytd only)	7.6791%	1,198
Net charge-offs to loans	0.0000%	6,441
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	66.5247%	4,650
Assets per employee ($millions)	8.4581%	397
Cash dividends to net income (ytd only)*	0.0000%	4,078
Condition Ratios (%)
Loss allowance to loans	1.9279%	2,482
Loan loss allowance to noncurrent loans	255.0847%	1,296
Noncurrent assets plus other real estate owned to assets	0.4650%	5,802
Noncurrent loans to loans	0.7558%	5,187
Net loans and leases to total assets	60.3427%	3,928
Net loans and leases to deposits	68.5776%	4,351
Net loans and leases to core deposits	73.2984%	4,336
Total domestic deposits to total assets	87.9918%	2,163
Equity capital to assets	11.8891%	2,208
Core capital (leverage) ratio	11.3065%	2,031
Tier 1 risk-based capital ratio	18.0049%	2,186
Total risk-based capital ratio	19.2624%	2,161
Memoranda:
Average total assets	$123,884,400	4,295
Average earning assets	$119,368,800	4,144
Average equity	$14,389,800	4,032
Average total loans	$75,335,400	4,299
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3246%	5,873
Cost of funding earning assets	0.8640%	4,671
Net interest margin	3.4606%	5,356
Noninterest income to average assets	0.0660%	6,890
Noninterest expense to average assets	2.3182%	5,981
Loan and lease loss provision to assets	0.2707%	3,338
Net operating income to assets	0.8077%	3,120
Return on assets (ROA)	0.8077%	3,286
Pretax return on assets	0.8077%	4,100
Return on Equity (ROE)	6.9965%	3,529
Retained earnings to average equity (ytd only)	6.9965%	1,972
Net charge-offs to loans	0.0000%	6,185
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	68.2499%	4,270
Assets per employee ($millions)	8.7571%	363
Cash dividends to net income (ytd only)*	0.0000%	3,512
Condition Ratios (%)
Loss allowance to loans	1.9716%	2,413
Loan loss allowance to noncurrent loans	242.8571%	1,290
Noncurrent assets plus other real estate owned to assets	0.4530%	5,956
Noncurrent loans to loans	0.8119%	5,243
Net loans and leases to total assets	54.6941%	5,055
Net loans and leases to deposits	61.7360%	5,438
Net loans and leases to core deposits	66.4834%	5,364
Total domestic deposits to total assets	88.5936%	1,697
Equity capital to assets	11.2869%	2,878
Core capital (leverage) ratio	11.0218%	2,369
Tier 1 risk-based capital ratio	18.3877%	2,123
Total risk-based capital ratio	19.6447%	2,086
Memoranda:
Average total assets	$123,137,500	4,338
Average earning assets	$118,512,000	4,195
Average equity	$14,216,250	4,086
Average total loans	$74,653,500	4,359
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3343%	5,894
Cost of funding earning assets	0.8782%	4,837
Net interest margin	3.4561%	5,338
Noninterest income to average assets	0.0681%	6,967
Noninterest expense to average assets	2.3854%	5,887
Loan and lease loss provision to assets	0.3571%	2,643
Net operating income to assets	0.6528%	3,781
Return on assets (ROA)	0.6528%	3,906
Pretax return on assets	0.6528%	4,567
Return on Equity (ROE)	5.6091%	4,150
Retained earnings to average equity (ytd only)	5.6091%	2,639
Net charge-offs to loans	0.0000%	5,875
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.2544%	4,061
Assets per employee ($millions)	8.4446%	393
Cash dividends to net income (ytd only)*	0.0000%	3,290
Condition Ratios (%)
Loss allowance to loans	1.8221%	2,914
Loan loss allowance to noncurrent loans	233.4437%	1,313
Noncurrent assets plus other real estate owned to assets	0.4768%	5,964
Noncurrent loans to loans	0.7805%	5,352
Net loans and leases to total assets	59.9776%	4,278
Net loans and leases to deposits	67.6995%	4,756
Net loans and leases to core deposits	73.1037%	4,697
Total domestic deposits to total assets	88.5939%	1,788
Equity capital to assets	11.3051%	2,680
Core capital (leverage) ratio	11.6359%	1,827
Tier 1 risk-based capital ratio	17.4059%	2,372
Total risk-based capital ratio	18.6628%	2,339
Memoranda:
Average total assets	$120,398,000	4,442
Average earning assets	$115,912,330	4,281
Average equity	$14,013,000	4,120
Average total loans	$75,108,330	4,386
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3722%	5,780
Cost of funding earning assets	0.9162%	4,803
Net interest margin	3.4560%	5,196
Noninterest income to average assets	0.0716%	7,031
Noninterest expense to average assets	2.4560%	5,721
Loan and lease loss provision to assets	0.5083%	1,710
Net operating income to assets	0.4400%	4,765
Return on assets (ROA)	0.4400%	4,846
Pretax return on assets	0.4400%	5,221
Return on Equity (ROE)	3.7231%	5,030
Retained earnings to average equity (ytd only)	3.7231%	3,937
Net charge-offs to loans	0.0000%	5,107
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.1443%	3,830
Assets per employee ($millions)	7.8395%	499
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	1.7767%	3,079
Loan loss allowance to noncurrent loans	218.8925%	1,382
Noncurrent assets plus other real estate owned to assets	0.5221%	5,934
Noncurrent loans to loans	0.8117%	5,410
Net loans and leases to total assets	63.1857%	3,607
Net loans and leases to deposits	71.7706%	4,101
Net loans and leases to core deposits	79.0489%	3,873
Total domestic deposits to total assets	88.0384%	2,353
Equity capital to assets	11.8332%	2,019
Core capital (leverage) ratio	11.6601%	1,766
Tier 1 risk-based capital ratio	17.5951%	2,251
Total risk-based capital ratio	18.8509%	2,219
Memoranda:
Average total assets	$117,262,500	4,553
Average earning assets	$113,077,500	4,381
Average equity	$13,859,500	4,140
Average total loans	$73,971,000	4,467
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4476%	6,522
Cost of funding earning assets	1.0513%	5,426
Net interest margin	3.3963%	5,646
Noninterest income to average assets	0.0628%	7,052
Noninterest expense to average assets	2.4779%	5,868
Loan and lease loss provision to assets	0.3787%	3,846
Net operating income to assets	0.4673%	4,238
Return on assets (ROA)	0.4886%	4,312
Pretax return on assets	0.4886%	4,660
Return on Equity (ROE)	3.9068%	4,570
Retained earnings to average equity (ytd only)	3.9068%	3,128
Net charge-offs to loans	0.0000%	6,850
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	74.5485%	3,286
Assets per employee ($millions)	7.7955%	525
Cash dividends to net income (ytd only)*	0.0000%	3,950
Condition Ratios (%)
Loss allowance to loans	1.6529%	3,389
Loan loss allowance to noncurrent loans	189.3819%	1,580
Noncurrent assets plus other real estate owned to assets	0.5396%	5,954
Noncurrent loans to loans	0.8728%	5,318
Net loans and leases to total assets	60.8054%	4,525
Net loans and leases to deposits	69.0227%	4,958
Net loans and leases to core deposits	76.7233%	4,618
Total domestic deposits to total assets	88.0948%	2,192
Equity capital to assets	11.8052%	2,038
Core capital (leverage) ratio	11.5758%	1,798
Tier 1 risk-based capital ratio	18.8071%	1,765
Total risk-based capital ratio	20.0619%	1,733
Memoranda:
Average total assets	$108,277,400	4,763
Average earning assets	$103,966,600	4,605
Average equity	$13,540,600	4,251
Average total loans	$64,803,200	4,877
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4190%	6,791
Cost of funding earning assets	1.0634%	5,631
Net interest margin	3.3555%	5,824
Noninterest income to average assets	0.0616%	7,218
Noninterest expense to average assets	2.4941%	5,734
Loan and lease loss provision to assets	0.3769%	3,628
Net operating income to assets	0.4058%	4,726
Return on assets (ROA)	0.4347%	4,788
Pretax return on assets	0.4347%	5,128
Return on Equity (ROE)	3.4236%	5,042
Retained earnings to average equity (ytd only)	3.4236%	4,046
Net charge-offs to loans	0.0000%	6,671
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.1120%	2,930
Assets per employee ($millions)	7.9469%	518
Cash dividends to net income (ytd only)*	0.0000%	3,526
Condition Ratios (%)
Loss allowance to loans	1.5836%	3,603
Loan loss allowance to noncurrent loans	170.8661%	1,678
Noncurrent assets plus other real estate owned to assets	0.5327%	6,092
Noncurrent loans to loans	0.9268%	5,386
Net loans and leases to total assets	56.5657%	5,473
Net loans and leases to deposits	63.9631%	5,920
Net loans and leases to core deposits	72.7151%	5,435
Total domestic deposits to total assets	88.4349%	1,708
Equity capital to assets	11.4502%	2,575
Core capital (leverage) ratio	11.7581%	1,787
Tier 1 risk-based capital ratio	19.3085%	1,685
Total risk-based capital ratio	20.5628%	1,651
Memoranda:
Average total assets	$106,113,750	4,885
Average earning assets	$101,679,750	4,736
Average equity	$13,474,750	4,333
Average total loans	$62,930,000	5,031
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4316%	6,834
Cost of funding earning assets	1.0579%	5,884
Net interest margin	3.3737%	5,746
Noninterest income to average assets	0.0668%	7,248
Noninterest expense to average assets	2.5435%	5,549
Loan and lease loss provision to assets	0.4423%	3,110
Net operating income to assets	0.3283%	5,074
Return on assets (ROA)	0.3735%	5,043
Pretax return on assets	0.3735%	5,296
Return on Equity (ROE)	2.8323%	5,318
Retained earnings to average equity (ytd only)	2.8323%	4,340
Net charge-offs to loans	0.0000%	6,371
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.7497%	2,943
Assets per employee ($millions)	7.7370%	562
Cash dividends to net income (ytd only)*	0.0000%	3,319
Condition Ratios (%)
Loss allowance to loans	1.5140%	3,851
Loan loss allowance to noncurrent loans	156.5891%	1,781
Noncurrent assets plus other real estate owned to assets	0.5955%	6,004
Noncurrent loans to loans	0.9669%	5,371
Net loans and leases to total assets	60.6557%	4,938
Net loans and leases to deposits	69.3824%	5,369
Net loans and leases to core deposits	81.1484%	4,536
Total domestic deposits to total assets	87.4222%	2,311
Equity capital to assets	12.4670%	1,821
Core capital (leverage) ratio	12.6872%	1,329
Tier 1 risk-based capital ratio	19.1950%	1,678
Total risk-based capital ratio	20.4481%	1,638
Memoranda:
Average total assets	$101,750,670	5,028
Average earning assets	$97,932,670	4,873
Average equity	$13,416,670	4,347
Average total loans	$61,069,000	5,134
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3573%	7,057
Cost of funding earning assets	1.0840%	5,976
Net interest margin	3.2733%	6,063
Noninterest income to average assets	0.0650%	7,396
Noninterest expense to average assets	2.6161%	5,284
Loan and lease loss provision to assets	0.4672%	2,634
Net operating income to assets	0.1219%	5,957
Return on assets (ROA)	0.2153%	5,751
Pretax return on assets	0.2153%	5,832
Return on Equity (ROE)	1.5853%	5,927
Retained earnings to average equity (ytd only)	1.5853%	5,153
Net charge-offs to loans	0.0000%	5,609
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	81.6223%	2,330
Assets per employee ($millions)	7.4895%	653
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	1.4248%	4,297
Loan loss allowance to noncurrent loans	137.8254%	2,032
Noncurrent assets plus other real estate owned to assets	0.6707%	5,839
Noncurrent loans to loans	1.0338%	5,268
Net loans and leases to total assets	63.9524%	4,342
Net loans and leases to deposits	74.2455%	4,704
Net loans and leases to core deposits	86.6201%	3,809
Total domestic deposits to total assets	86.1364%	3,077
Equity capital to assets	13.7434%	1,229
Core capital (leverage) ratio	13.6645%	1,038
Tier 1 risk-based capital ratio	20.3242%	1,461
Total risk-based capital ratio	21.5769%	1,426
Memoranda:
Average total assets	$98,467,000	5,194
Average earning assets	$94,462,500	5,031
Average equity	$13,373,000	4,385
Average total loans	$58,248,000	5,327
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2823%	7,566
Cost of funding earning assets	1.5474%	5,297
Net interest margin	2.7349%	7,161
Noninterest income to average assets	0.0552%	7,484
Noninterest expense to average assets	2.8402%	4,786
Loan and lease loss provision to assets	0.5697%	3,531
Net operating income to assets	-0.7659%	6,413
Return on assets (ROA)	-0.5603%	6,231
Pretax return on assets	-0.5603%	6,062
Return on Equity (ROE)	-3.5216%	6,058
Retained earnings to average equity (ytd only)	-3.5216%	5,796
Net charge-offs to loans	0.0000%	7,246
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	107.4189%	857
Assets per employee ($millions)	7.6593%	587
Cash dividends to net income (ytd only)*	0.0000%	4,015
Condition Ratios (%)
Loss allowance to loans	1.4720%	3,882
Loan loss allowance to noncurrent loans	120.2144%	2,350
Noncurrent assets plus other real estate owned to assets	0.6558%	5,821
Noncurrent loans to loans	1.2245%	4,902
Net loans and leases to total assets	52.7714%	6,332
Net loans and leases to deposits	61.0293%	6,558
Net loans and leases to core deposits	80.2557%	6,066
Total domestic deposits to total assets	86.4690%	2,778
Equity capital to assets	13.4226%	1,355
Core capital (leverage) ratio	13.4982%	1,093
Tier 1 risk-based capital ratio	21.3039%	1,250
Total risk-based capital ratio	22.5703%	1,216
Memoranda:
Average total assets	$85,133,800	5,556
Average earning assets	$80,587,400	5,436
Average equity	$13,545,000	4,375
Average total loans	$39,816,400	6,120
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1362%	7,761
Cost of funding earning assets	1.6655%	5,085
Net interest margin	2.4706%	7,491
Noninterest income to average assets	0.0540%	7,633
Noninterest expense to average assets	2.8621%	4,605
Loan and lease loss provision to assets	0.5969%	3,003
Net operating income to assets	-1.0712%	6,875
Return on assets (ROA)	-0.7997%	6,693
Pretax return on assets	-0.7997%	6,544
Return on Equity (ROE)	-4.7975%	6,428
Retained earnings to average equity (ytd only)	-4.7975%	6,229
Net charge-offs to loans	0.0000%	6,987
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	119.8630%	591
Assets per employee ($millions)	7.0302%	782
Cash dividends to net income (ytd only)*	0.0000%	3,688
Condition Ratios (%)
Loss allowance to loans	1.3946%	3,977
Loan loss allowance to noncurrent loans	101.8377%	2,726
Noncurrent assets plus other real estate owned to assets	0.7145%	5,698
Noncurrent loans to loans	1.3695%	4,632
Net loans and leases to total assets	51.4460%	6,660
Net loans and leases to deposits	60.3817%	6,802
Net loans and leases to core deposits	65.3345%	7,190
Total domestic deposits to total assets	85.2013%	3,126
Equity capital to assets	14.7189%	1,089
Core capital (leverage) ratio	13.4654%	1,241
Tier 1 risk-based capital ratio	23.0954%	1,100
Total risk-based capital ratio	24.3085%	1,073
Memoranda:
Average total assets	$81,524,500	5,709
Average earning assets	$77,009,750	5,593
Average equity	$13,590,000	4,394
Average total loans	$36,438,000	6,321
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9340%	7,925
Cost of funding earning assets	1.7466%	5,032
Net interest margin	2.1874%	7,756
Noninterest income to average assets	0.0639%	7,666
Noninterest expense to average assets	2.9450%	4,312
Loan and lease loss provision to assets	0.5701%	2,732
Net operating income to assets	-1.4086%	7,204
Return on assets (ROA)	-1.1734%	7,105
Pretax return on assets	-1.1734%	6,920
Return on Equity (ROE)	-6.7322%	6,773
Retained earnings to average equity (ytd only)	-6.7322%	6,530
Net charge-offs to loans	0.0000%	6,628
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	139.8058%	434
Assets per employee ($millions)	6.9051%	803
Cash dividends to net income (ytd only)*	0.0000%	3,532
Condition Ratios (%)
Loss allowance to loans	1.2678%	4,482
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,675
Noncurrent loans to loans	0.0000%	7,580
Net loans and leases to total assets	45.3724%	7,239
Net loans and leases to deposits	53.4249%	7,313
Net loans and leases to core deposits	67.6292%	7,140
Total domestic deposits to total assets	84.9275%	3,297
Equity capital to assets	14.9411%	1,040
Core capital (leverage) ratio	14.6925%	978
Tier 1 risk-based capital ratio	25.4523%	904
Total risk-based capital ratio	26.5110%	898
Memoranda:
Average total assets	$78,235,000	5,854
Average earning assets	$73,056,330	5,787
Average equity	$13,636,000	4,387
Average total loans	$32,689,670	6,571
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9546%	8,002
Cost of funding earning assets	1.8266%	4,992
Net interest margin	2.1280%	7,835
Noninterest income to average assets	0.0331%	7,913
Noninterest expense to average assets	2.8095%	4,517
Loan and lease loss provision to assets	0.5796%	2,174
Net operating income to assets	-1.4075%	7,460
Return on assets (ROA)	-0.8997%	7,220
Pretax return on assets	-0.8997%	7,097
Return on Equity (ROE)	-4.7425%	6,960
Retained earnings to average equity (ytd only)	-4.7425%	6,522
Net charge-offs to loans	0.0000%	5,728
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	141.7827%	399
Assets per employee ($millions)	6.6956%	880
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	1.2663%	4,302
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,674
Noncurrent loans to loans	0.0000%	7,590
Net loans and leases to total assets	36.2798%	7,720
Net loans and leases to deposits	43.1401%	7,756
Net loans and leases to core deposits	51.8666%	7,735
Total domestic deposits to total assets	84.0975%	3,657
Equity capital to assets	15.7095%	926
Core capital (leverage) ratio	19.1773%	440
Tier 1 risk-based capital ratio	31.8591%	537
Total risk-based capital ratio	32.8746%	540
Memoranda:
Average total assets	$72,469,500	6,049
Average earning assets	$66,353,500	6,029
Average equity	$13,748,000	4,391
Average total loans	$28,408,500	6,855
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3881%	8,149
Cost of funding earning assets	1.6007%	7,449
Net interest margin	1.7874%	8,131
Noninterest income to average assets	0.0959%	7,653
Noninterest expense to average assets	3.8900%	1,577
Loan and lease loss provision to assets	0.6394%	2,276
Net operating income to assets	-2.7198%	7,763
Return on assets (ROA)	-2.6153%	7,707
Pretax return on assets	-2.6153%	7,620
Return on Equity (ROE)	-8.8116%	7,182
Retained earnings to average equity (ytd only)	-8.8116%	6,952
Net charge-offs to loans	0.0000%	7,039
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	214.9588%	178
Assets per employee ($millions)	4.8247%	2,149
Cash dividends to net income (ytd only)*	0.0000%	4,825
Condition Ratios (%)
Loss allowance to loans	1.2081%	4,467
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,674
Noncurrent loans to loans	0.0000%	7,569
Net loans and leases to total assets	42.3743%	7,566
Net loans and leases to deposits	55.7872%	7,337
Net loans and leases to core deposits	62.7090%	7,487
Total domestic deposits to total assets	75.9569%	6,251
Equity capital to assets	23.8738%	290
Core capital (leverage) ratio	23.3200%	297
Tier 1 risk-based capital ratio	42.6646%	290
Total risk-based capital ratio	43.6772%	289
Memoranda:
Average total assets	$46,915,750	6,901
Average earning assets	$44,981,250	6,814
Average equity	$13,924,750	4,356
Average total loans	$11,215,750	7,877