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First Federal Savings Bank, Performance and Condition Ratios

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2025-03-31		Rank
Percentage of unprofitable institutions	0.0000%	303
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9014%	1,330
Cost of funding earning assets	2.4963%	872
Net interest margin	3.4052%	2,557
Noninterest income to average assets	0.4800%	1,841
Noninterest expense to average assets	2.2675%	2,932
Loan and lease loss provision to assets	0.4700%	196
Net operating income to assets	0.8117%	2,815
Return on assets (ROA)	0.8117%	2,817
Pretax return on assets	0.9109%	2,936
Return on Equity (ROE)	9.2800%	2,525
Retained earnings to average equity (ytd only)	4.1223%	2,833
Net charge-offs to loans	0.9882%	164
Credit loss provision to net charge-offs	61.3861%	1,493
Earnings coverage of net charge-offs (x)	1.8139%	2,105
Efficiency ratio	60.6723%	2,875
Assets per employee ($millions)	5.8320%	3,063
Cash dividends to net income (ytd only)*	55.5556%	1,094
Condition Ratios (%)
Loss allowance to loans	1.5185%	970
Loan loss allowance to noncurrent loans	227.8929%	1,984
Noncurrent assets plus other real estate owned to assets	0.5162%	1,440
Noncurrent loans to loans	0.6663%	1,513
Net loans and leases to total assets	76.3000%	1,045
Net loans and leases to deposits	93.1115%	826
Net loans and leases to core deposits	128.6507%	353
Total domestic deposits to total assets	81.9400%	3,324
Equity capital to assets	8.6694%	3,180
Core capital (leverage) ratio	10.0741%	2,740
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,736
Memoranda:
Average total assets	$532,224,500	1,709
Average earning assets	$494,660,500	1,700
Average equity	$46,575,500	1,851
Average total loans	$408,809,500	1,532
2024-12-31		Rank
Percentage of unprofitable institutions	0.0000%	319
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9631%	1,341
Cost of funding earning assets	2.7423%	784
Net interest margin	3.2208%	2,684
Noninterest income to average assets	0.6600%	1,305
Noninterest expense to average assets	2.3902%	2,610
Loan and lease loss provision to assets	0.3000%	406
Net operating income to assets	0.8743%	2,469
Return on assets (ROA)	0.8743%	2,483
Pretax return on assets	0.9651%	2,622
Return on Equity (ROE)	9.7600%	2,220
Retained earnings to average equity (ytd only)	2.7521%	3,126
Net charge-offs to loans	0.0215%	2,170
Credit loss provision to net charge-offs	1,830.1205%	256
Earnings coverage of net charge-offs (x)	78.2651%	942
Efficiency ratio	63.7276%	2,753
Assets per employee ($millions)	5.3822%	3,370
Cash dividends to net income (ytd only)*	71.7891%	769
Condition Ratios (%)
Loss allowance to loans	1.7038%	643
Loan loss allowance to noncurrent loans	134.5856%	2,661
Noncurrent assets plus other real estate owned to assets	0.9637%	706
Noncurrent loans to loans	1.2660%	793
Net loans and leases to total assets	74.8200%	1,300
Net loans and leases to deposits	90.6226%	1,164
Net loans and leases to core deposits	124.5496%	480
Total domestic deposits to total assets	82.5700%	3,130
Equity capital to assets	8.8359%	2,947
Core capital (leverage) ratio	10.0823%	2,684
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,791
Memoranda:
Average total assets	$512,087,400	1,744
Average earning assets	$476,526,800	1,732
Average equity	$45,892,800	1,816
Average total loans	$386,933,600	1,574
2024-09-30		Rank
Percentage of unprofitable institutions	0.0000%	305
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9415%	1,341
Cost of funding earning assets	2.7529%	768
Net interest margin	3.1886%	2,717
Noninterest income to average assets	0.7200%	1,077
Noninterest expense to average assets	2.3958%	2,538
Loan and lease loss provision to assets	0.2700%	400
Net operating income to assets	0.9084%	2,353
Return on assets (ROA)	0.9084%	2,356
Pretax return on assets	1.0267%	2,460
Return on Equity (ROE)	10.1000%	2,163
Retained earnings to average equity (ytd only)	3.6595%	2,958
Net charge-offs to loans	0.0357%	1,620
Credit loss provision to net charge-offs	1,063.1068%	385
Earnings coverage of net charge-offs (x)	48.0485%	1,221
Efficiency ratio	63.3206%	2,787
Assets per employee ($millions)	5.9046%	2,943
Cash dividends to net income (ytd only)*	63.7673%	884
Condition Ratios (%)
Loss allowance to loans	1.6177%	807
Loan loss allowance to noncurrent loans	138.9633%	2,658
Noncurrent assets plus other real estate owned to assets	0.8762%	780
Noncurrent loans to loans	1.1641%	856
Net loans and leases to total assets	74.0500%	1,355
Net loans and leases to deposits	91.2637%	1,124
Net loans and leases to core deposits	124.1504%	500
Total domestic deposits to total assets	81.1400%	3,276
Equity capital to assets	9.1350%	2,932
Core capital (leverage) ratio	10.2490%	2,635
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.0028%	1,891
Memoranda:
Average total assets	$509,591,000	1,738
Average earning assets	$474,259,500	1,732
Average equity	$45,833,500	1,816
Average total loans	$384,315,500	1,573
2024-06-30		Rank
Percentage of unprofitable institutions	0.0000%	306
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9069%	1,294
Cost of funding earning assets	2.7238%	740
Net interest margin	3.1831%	2,660
Noninterest income to average assets	0.7100%	1,073
Noninterest expense to average assets	2.4020%	2,521
Loan and lease loss provision to assets	0.2300%	466
Net operating income to assets	0.9549%	2,134
Return on assets (ROA)	0.9549%	2,137
Pretax return on assets	1.0437%	2,352
Return on Equity (ROE)	10.6700%	1,984
Retained earnings to average equity (ytd only)	5.3125%	2,238
Net charge-offs to loans	0.0262%	1,629
Credit loss provision to net charge-offs	1,200.0000%	347
Earnings coverage of net charge-offs (x)	64.3400%	982
Efficiency ratio	63.7840%	2,803
Assets per employee ($millions)	5.4374%	3,281
Cash dividends to net income (ytd only)*	50.2276%	1,434
Condition Ratios (%)
Loss allowance to loans	1.5287%	992
Loan loss allowance to noncurrent loans	102.4013%	3,051
Noncurrent assets plus other real estate owned to assets	1.1244%	505
Noncurrent loans to loans	1.4929%	578
Net loans and leases to total assets	74.1700%	1,391
Net loans and leases to deposits	91.6322%	1,158
Net loans and leases to core deposits	119.6892%	639
Total domestic deposits to total assets	80.9400%	3,293
Equity capital to assets	8.9703%	2,762
Core capital (leverage) ratio	10.3446%	2,519
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.9739%	1,901
Memoranda:
Average total assets	$506,252,667	1,747
Average earning assets	$471,619,667	1,736
Average equity	$45,289,333	1,813
Average total loans	$382,052,333	1,576
2024-03-31		Rank
Percentage of unprofitable institutions	0.0000%	11
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7563%	1,392
Cost of funding earning assets	2.6428%	780
Net interest margin	3.1135%	2,758
Noninterest income to average assets	0.5200%	1,683
Noninterest expense to average assets	2.3929%	2,534
Loan and lease loss provision to assets	0.4000%	213
Net operating income to assets	0.6129%	3,121
Return on assets (ROA)	0.6129%	3,145
Pretax return on assets	0.6391%	3,306
Return on Equity (ROE)	6.8600%	2,990
Retained earnings to average equity (ytd only)	1.5286%	3,360
Net charge-offs to loans	0.0473%	1,059
Credit loss provision to net charge-offs	1,111.1111%	316
Earnings coverage of net charge-offs (x)	29.0000%	1,180
Efficiency ratio	68.0482%	2,371
Assets per employee ($millions)	5.8523%	2,953
Cash dividends to net income (ytd only)*	77.7202%	764
Condition Ratios (%)
Loss allowance to loans	1.5031%	1,070
Loan loss allowance to noncurrent loans	88.4239%	3,258
Noncurrent assets plus other real estate owned to assets	1.2861%	394
Noncurrent loans to loans	1.6999%	439
Net loans and leases to total assets	74.5200%	1,274
Net loans and leases to deposits	93.6892%	889
Net loans and leases to core deposits	122.7138%	555
Total domestic deposits to total assets	79.5400%	3,595
Equity capital to assets	8.8138%	2,802
Core capital (leverage) ratio	10.3157%	2,483
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.7198%	1,981
Memoranda:
Average total assets	$503,819,500	1,752
Average earning assets	$469,955,000	1,743
Average equity	$45,009,500	1,804
Average total loans	$380,598,500	1,569
2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5414%	1,109
Cost of funding earning assets	2.1871%	657
Net interest margin	3.3543%	2,507
Noninterest income to average assets	0.6500%	1,355
Noninterest expense to average assets	2.4717%	2,375
Loan and lease loss provision to assets	0.2200%	549
Net operating income to assets	0.9483%	2,373
Return on assets (ROA)	0.9494%	2,360
Pretax return on assets	1.0791%	2,471
Return on Equity (ROE)	10.3200%	2,399
Retained earnings to average equity (ytd only)	2.9059%	3,309
Net charge-offs to loans	0.0306%	1,688
Credit loss provision to net charge-offs	1,023.3645%	401
Earnings coverage of net charge-offs (x)	57.2710%	1,217
Efficiency ratio	63.8328%	2,627
Assets per employee ($millions)	5.4184%	3,317
Cash dividends to net income (ytd only)*	71.8310%	791
Condition Ratios (%)
Loss allowance to loans	1.4189%	1,323
Loan loss allowance to noncurrent loans	83.1515%	3,361
Noncurrent assets plus other real estate owned to assets	1.2871%	327
Noncurrent loans to loans	1.7064%	365
Net loans and leases to total assets	74.3600%	1,305
Net loans and leases to deposits	92.1125%	1,082
Net loans and leases to core deposits	113.0038%	844
Total domestic deposits to total assets	80.7200%	3,352
Equity capital to assets	9.0561%	2,636
Core capital (leverage) ratio	10.5549%	2,298
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.9613%	1,881
Memoranda:
Average total assets	$471,124,000	1,793
Average earning assets	$438,246,800	1,779
Average equity	$43,359,600	1,777
Average total loans	$349,673,800	1,612
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4238%	1,099
Cost of funding earning assets	2.0495%	646
Net interest margin	3.3744%	2,509
Noninterest income to average assets	0.6800%	1,252
Noninterest expense to average assets	2.5168%	2,176
Loan and lease loss provision to assets	0.0800%	1,428
Net operating income to assets	1.0582%	2,192
Return on assets (ROA)	1.0597%	2,173
Pretax return on assets	1.2234%	2,241
Return on Equity (ROE)	11.4600%	2,265
Retained earnings to average equity (ytd only)	4.5859%	3,070
Net charge-offs to loans	0.0338%	1,411
Credit loss provision to net charge-offs	310.3448%	862
Earnings coverage of net charge-offs (x)	52.0000%	1,293
Efficiency ratio	64.2610%	2,466
Assets per employee ($millions)	5.3213%	3,331
Cash dividends to net income (ytd only)*	60.0000%	939
Condition Ratios (%)
Loss allowance to loans	1.2441%	2,141
Loan loss allowance to noncurrent loans	123.5005%	3,023
Noncurrent assets plus other real estate owned to assets	0.7575%	738
Noncurrent loans to loans	1.0074%	797
Net loans and leases to total assets	74.2600%	1,311
Net loans and leases to deposits	91.4886%	1,096
Net loans and leases to core deposits	107.8665%	942
Total domestic deposits to total assets	81.1700%	3,354
Equity capital to assets	8.7747%	2,549
Core capital (leverage) ratio	11.1727%	1,881
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.1694%	1,833
Memoranda:
Average total assets	$464,282,000	1,813
Average earning assets	$431,517,750	1,795
Average equity	$42,913,500	1,776
Average total loans	$343,094,000	1,631
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2562%	1,139
Cost of funding earning assets	1.8918%	620
Net interest margin	3.3645%	2,608
Noninterest income to average assets	0.7000%	1,120
Noninterest expense to average assets	2.5680%	2,007
Loan and lease loss provision to assets	0.0800%	1,369
Net operating income to assets	1.0274%	2,328
Return on assets (ROA)	1.0419%	2,275
Pretax return on assets	1.1953%	2,371
Return on Equity (ROE)	11.0700%	2,398
Retained earnings to average equity (ytd only)	5.5000%	2,786
Net charge-offs to loans	0.0113%	1,776
Credit loss provision to net charge-offs	947.3684%	428
Earnings coverage of net charge-offs (x)	151.4211%	748
Efficiency ratio	65.4176%	2,322
Assets per employee ($millions)	5.1126%	3,492
Cash dividends to net income (ytd only)*	50.3356%	1,276
Condition Ratios (%)
Loss allowance to loans	1.2779%	2,019
Loan loss allowance to noncurrent loans	71.5215%	3,500
Noncurrent assets plus other real estate owned to assets	1.3256%	290
Noncurrent loans to loans	1.7868%	338
Net loans and leases to total assets	73.2400%	1,375
Net loans and leases to deposits	90.4873%	1,147
Net loans and leases to core deposits	104.9149%	1,020
Total domestic deposits to total assets	80.9400%	3,440
Equity capital to assets	9.1169%	2,433
Core capital (leverage) ratio	11.1406%	1,823
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.5047%	1,724
Memoranda:
Average total assets	$457,628,667	1,836
Average earning assets	$425,209,000	1,825
Average equity	$43,054,333	1,780
Average total loans	$336,086,667	1,648
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1912%	965
Cost of funding earning assets	1.6908%	590
Net interest margin	3.5005%	2,362
Noninterest income to average assets	0.6700%	1,193
Noninterest expense to average assets	2.5888%	1,987
Loan and lease loss provision to assets	0.0800%	1,320
Net operating income to assets	1.0858%	2,272
Return on assets (ROA)	1.0858%	2,238
Pretax return on assets	1.2498%	2,300
Return on Equity (ROE)	11.3500%	2,390
Retained earnings to average equity (ytd only)	5.7612%	2,832
Net charge-offs to loans	0.0183%	1,319
Credit loss provision to net charge-offs	600.0000%	496
Earnings coverage of net charge-offs (x)	99.4667%	793
Efficiency ratio	64.3540%	2,410
Assets per employee ($millions)	5.0223%	3,647
Cash dividends to net income (ytd only)*	49.2611%	1,209
Condition Ratios (%)
Loss allowance to loans	1.3374%	1,868
Loan loss allowance to noncurrent loans	106.8391%	3,300
Noncurrent assets plus other real estate owned to assets	0.9155%	481
Noncurrent loans to loans	1.2518%	549
Net loans and leases to total assets	72.1500%	1,408
Net loans and leases to deposits	87.7649%	1,226
Net loans and leases to core deposits	101.6449%	1,017
Total domestic deposits to total assets	82.2100%	3,452
Equity capital to assets	9.5510%	2,099
Core capital (leverage) ratio	11.2967%	1,666
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.4238%	1,515
Memoranda:
Average total assets	$448,707,500	1,881
Average earning assets	$416,856,000	1,874
Average equity	$42,907,500	1,800
Average total loans	$327,753,500	1,692
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4918%	735
Cost of funding earning assets	0.5706%	1,015
Net interest margin	3.9212%	912
Noninterest income to average assets	0.7600%	1,100
Noninterest expense to average assets	2.4841%	2,167
Loan and lease loss provision to assets	0.0000%	2,926
Net operating income to assets	1.5814%	718
Return on assets (ROA)	1.5814%	689
Pretax return on assets	1.9042%	582
Return on Equity (ROE)	15.4700%	1,148
Retained earnings to average equity (ytd only)	8.0732%	1,801
Net charge-offs to loans	0.0003%	2,604
Credit loss provision to net charge-offs	0.0000%	1,979
Earnings coverage of net charge-offs (x)	8,093.0000%	15
Efficiency ratio	54.9997%	3,683
Assets per employee ($millions)	4.8946%	3,750
Cash dividends to net income (ytd only)*	47.8203%	1,511
Condition Ratios (%)
Loss allowance to loans	1.2301%	2,251
Loan loss allowance to noncurrent loans	162.2159%	2,891
Noncurrent assets plus other real estate owned to assets	0.5532%	910
Noncurrent loans to loans	0.7583%	989
Net loans and leases to total assets	72.0600%	1,414
Net loans and leases to deposits	87.3505%	1,216
Net loans and leases to core deposits	99.0858%	1,050
Total domestic deposits to total assets	82.4900%	3,534
Equity capital to assets	9.5741%	1,949
Core capital (leverage) ratio	11.5736%	1,480
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.4196%	1,501
Memoranda:
Average total assets	$425,015,000	1,934
Average earning assets	$393,269,600	1,936
Average equity	$43,440,200	1,806
Average total loans	$297,935,800	1,728
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3159%	709
Cost of funding earning assets	0.3863%	1,389
Net interest margin	3.9295%	742
Noninterest income to average assets	0.8000%	1,027
Noninterest expense to average assets	2.4687%	2,099
Loan and lease loss provision to assets	0.0000%	2,752
Net operating income to assets	1.6276%	619
Return on assets (ROA)	1.6276%	605
Pretax return on assets	1.9641%	504
Return on Equity (ROE)	15.6600%	1,049
Retained earnings to average equity (ytd only)	8.9000%	1,681
Net charge-offs to loans	-0.0119%	3,771
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	0.0000%	2,297
Efficiency ratio	54.0792%	3,816
Assets per employee ($millions)	4.9348%	3,731
Cash dividends to net income (ytd only)*	43.1721%	1,448
Condition Ratios (%)
Loss allowance to loans	1.3012%	2,022
Loan loss allowance to noncurrent loans	149.9814%	3,018
Noncurrent assets plus other real estate owned to assets	0.6249%	844
Noncurrent loans to loans	0.8676%	904
Net loans and leases to total assets	71.1000%	1,387
Net loans and leases to deposits	85.1836%	1,222
Net loans and leases to core deposits	91.0980%	1,226
Total domestic deposits to total assets	83.4600%	3,614
Equity capital to assets	9.4277%	1,926
Core capital (leverage) ratio	11.8491%	1,285
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.8645%	1,465
Memoranda:
Average total assets	$419,916,750	1,966
Average earning assets	$388,263,000	1,968
Average equity	$43,639,250	1,829
Average total loans	$291,184,000	1,758
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1945%	641
Cost of funding earning assets	0.3196%	1,533
Net interest margin	3.8749%	645
Noninterest income to average assets	0.8263%	987
Noninterest expense to average assets	2.4013%	2,221
Loan and lease loss provision to assets	0.0000%	2,599
Net operating income to assets	1.6618%	473
Return on assets (ROA)	1.6618%	466
Pretax return on assets	2.0092%	373
Return on Equity (ROE)	15.4966%	796
Retained earnings to average equity (ytd only)	10.0685%	999
Net charge-offs to loans	0.0112%	1,566
Credit loss provision to net charge-offs	0.0000%	1,663
Earnings coverage of net charge-offs (x)	261.6875%	450
Efficiency ratio	52.8125%	4,060
Assets per employee ($millions)	4.5420%	4,042
Cash dividends to net income (ytd only)*	35.0274%	1,917
Condition Ratios (%)
Loss allowance to loans	1.3650%	1,905
Loan loss allowance to noncurrent loans	177.1352%	2,832
Noncurrent assets plus other real estate owned to assets	0.5439%	1,047
Noncurrent loans to loans	0.7706%	1,111
Net loans and leases to total assets	69.6185%	1,331
Net loans and leases to deposits	80.2981%	1,366
Net loans and leases to core deposits	86.3129%	1,321
Total domestic deposits to total assets	86.7000%	3,036
Equity capital to assets	9.9455%	1,740
Core capital (leverage) ratio	11.7816%	1,223
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.3157%	1,353
Memoranda:
Average total assets	$416,779,333	1,987
Average earning assets	$385,503,667	2,004
Average equity	$44,693,667	1,842
Average total loans	$285,159,333	1,776
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1917%	525
Cost of funding earning assets	0.3000%	1,657
Net interest margin	3.8917%	512
Noninterest income to average assets	0.8334%	967
Noninterest expense to average assets	2.3187%	2,431
Loan and lease loss provision to assets	0.0000%	2,285
Net operating income to assets	1.7453%	369
Return on assets (ROA)	1.7453%	372
Pretax return on assets	2.1228%	289
Return on Equity (ROE)	15.7119%	559
Retained earnings to average equity (ytd only)	10.5492%	890
Net charge-offs to loans	-0.0085%	3,522
Credit loss provision to net charge-offs	0.0000%	1,336
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	50.5918%	4,286
Assets per employee ($millions)	4.8770%	3,862
Cash dividends to net income (ytd only)*	32.8587%	1,681
Condition Ratios (%)
Loss allowance to loans	1.4052%	1,883
Loan loss allowance to noncurrent loans	197.9239%	2,623
Noncurrent assets plus other real estate owned to assets	0.4823%	1,259
Noncurrent loans to loans	0.7100%	1,339
Net loans and leases to total assets	66.9827%	1,310
Net loans and leases to deposits	78.5726%	1,244
Net loans and leases to core deposits	85.7585%	1,146
Total domestic deposits to total assets	85.2494%	3,485
Equity capital to assets	10.6588%	1,515
Core capital (leverage) ratio	11.5792%	1,238
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.2669%	1,432
Memoranda:
Average total assets	$418,507,000	1,985
Average earning assets	$388,007,500	1,996
Average equity	$46,487,000	1,838
Average total loans	$281,873,000	1,782
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3184%	827
Cost of funding earning assets	0.5531%	700
Net interest margin	3.7654%	1,073
Noninterest income to average assets	1.1177%	839
Noninterest expense to average assets	2.3622%	2,616
Loan and lease loss provision to assets	0.0294%	2,470
Net operating income to assets	1.8245%	483
Return on assets (ROA)	1.8245%	502
Pretax return on assets	2.2400%	382
Return on Equity (ROE)	15.8305%	784
Retained earnings to average equity (ytd only)	8.1532%	1,476
Net charge-offs to loans	-0.0094%	3,720
Credit loss provision to net charge-offs	-461.5385%	3,743
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	49.4159%	4,329
Assets per employee ($millions)	4.8558%	3,846
Cash dividends to net income (ytd only)*	48.4970%	1,598
Condition Ratios (%)
Loss allowance to loans	1.4340%	1,791
Loan loss allowance to noncurrent loans	139.8391%	3,057
Noncurrent assets plus other real estate owned to assets	0.6846%	934
Noncurrent loans to loans	1.0255%	959
Net loans and leases to total assets	65.8068%	1,489
Net loans and leases to deposits	80.2503%	1,196
Net loans and leases to core deposits	86.7358%	1,157
Total domestic deposits to total assets	82.0019%	3,966
Equity capital to assets	11.5588%	1,477
Core capital (leverage) ratio	11.0697%	1,528
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.4551%	1,400
Memoranda:
Average total assets	$408,440,200	1,959
Average earning assets	$381,158,200	1,966
Average equity	$47,073,600	1,856
Average total loans	$277,638,600	1,800
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3291%	911
Cost of funding earning assets	0.4859%	1,127
Net interest margin	3.8432%	1,033
Noninterest income to average assets	1.0909%	932
Noninterest expense to average assets	2.2618%	2,857
Loan and lease loss provision to assets	0.0394%	2,208
Net operating income to assets	1.9286%	528
Return on assets (ROA)	1.9286%	549
Pretax return on assets	2.3807%	404
Return on Equity (ROE)	16.7465%	809
Retained earnings to average equity (ytd only)	9.8655%	1,364
Net charge-offs to loans	-0.0202%	3,972
Credit loss provision to net charge-offs	-285.7143%	3,481
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	46.7326%	4,462
Assets per employee ($millions)	4.5363%	4,102
Cash dividends to net income (ytd only)*	41.0894%	1,570
Condition Ratios (%)
Loss allowance to loans	1.4139%	1,970
Loan loss allowance to noncurrent loans	162.7077%	2,820
Noncurrent assets plus other real estate owned to assets	0.5923%	1,293
Noncurrent loans to loans	0.8690%	1,324
Net loans and leases to total assets	67.0631%	1,420
Net loans and leases to deposits	85.3428%	867
Net loans and leases to core deposits	92.7597%	881
Total domestic deposits to total assets	78.5809%	4,368
Equity capital to assets	11.5846%	1,617
Core capital (leverage) ratio	11.5906%	1,329
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.7758%	1,398
Memoranda:
Average total assets	$406,151,500	1,990
Average earning assets	$379,503,750	1,992
Average equity	$46,774,750	1,886
Average total loans	$277,347,250	1,837
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2025%	1,186
Cost of funding earning assets	0.5122%	1,134
Net interest margin	3.6903%	1,376
Noninterest income to average assets	1.1868%	812
Noninterest expense to average assets	2.1818%	3,148
Loan and lease loss provision to assets	0.0596%	1,837
Net operating income to assets	1.9388%	546
Return on assets (ROA)	1.9388%	565
Pretax return on assets	2.3970%	414
Return on Equity (ROE)	16.8689%	804
Retained earnings to average equity (ytd only)	11.6193%	993
Net charge-offs to loans	-0.0109%	3,705
Credit loss provision to net charge-offs	-800.0000%	3,593
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	45.4302%	4,546
Assets per employee ($millions)	4.8218%	3,818
Cash dividends to net income (ytd only)*	31.1202%	2,005
Condition Ratios (%)
Loss allowance to loans	1.4110%	1,924
Loan loss allowance to noncurrent loans	221.5000%	2,322
Noncurrent assets plus other real estate owned to assets	0.5014%	1,664
Noncurrent loans to loans	0.6370%	1,817
Net loans and leases to total assets	67.9692%	1,448
Net loans and leases to deposits	89.7592%	666
Net loans and leases to core deposits	97.9601%	725
Total domestic deposits to total assets	75.7240%	4,576
Equity capital to assets	11.6037%	1,568
Core capital (leverage) ratio	11.5177%	1,303
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.1435%	1,302
Memoranda:
Average total assets	$402,422,667	1,995
Average earning assets	$376,393,333	1,991
Average equity	$46,250,667	1,890
Average total loans	$275,165,000	1,856
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3014%	1,033
Cost of funding earning assets	0.5540%	1,076
Net interest margin	3.7473%	1,237
Noninterest income to average assets	1.2099%	842
Noninterest expense to average assets	2.1911%	3,133
Loan and lease loss provision to assets	0.1204%	1,141
Net operating income to assets	1.9393%	620
Return on assets (ROA)	1.9393%	667
Pretax return on assets	2.3998%	521
Return on Equity (ROE)	16.9573%	857
Retained earnings to average equity (ytd only)	11.6938%	1,228
Net charge-offs to loans	-0.0029%	3,221
Credit loss provision to net charge-offs	-6,000.0000%	3,736
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	44.9106%	4,526
Assets per employee ($millions)	5.0147%	3,638
Cash dividends to net income (ytd only)*	31.0398%	1,683
Condition Ratios (%)
Loss allowance to loans	1.4465%	1,787
Loan loss allowance to noncurrent loans	87.5909%	3,500
Noncurrent assets plus other real estate owned to assets	1.1182%	698
Noncurrent loans to loans	1.6515%	731
Net loans and leases to total assets	66.6556%	1,708
Net loans and leases to deposits	86.0136%	960
Net loans and leases to core deposits	94.2087%	968
Total domestic deposits to total assets	77.4943%	4,482
Equity capital to assets	11.2744%	1,672
Core capital (leverage) ratio	11.0805%	1,655
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.2590%	1,229
Memoranda:
Average total assets	$398,707,500	1,996
Average earning assets	$372,533,500	1,990
Average equity	$45,597,000	1,900
Average total loans	$271,467,000	1,871
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3870%	1,627
Cost of funding earning assets	0.8580%	995
Net interest margin	3.5290%	2,378
Noninterest income to average assets	1.2134%	761
Noninterest expense to average assets	2.5226%	2,776
Loan and lease loss provision to assets	0.1526%	2,463
Net operating income to assets	1.5107%	789
Return on assets (ROA)	1.5107%	854
Pretax return on assets	1.8284%	645
Return on Equity (ROE)	13.2581%	978
Retained earnings to average equity (ytd only)	7.2235%	1,308
Net charge-offs to loans	-0.0298%	4,531
Credit loss provision to net charge-offs	-725.0000%	3,993
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	54.2608%	4,183
Assets per employee ($millions)	5.0808%	3,304
Cash dividends to net income (ytd only)*	45.5163%	2,078
Condition Ratios (%)
Loss allowance to loans	1.4362%	1,824
Loan loss allowance to noncurrent loans	76.5197%	3,649
Noncurrent assets plus other real estate owned to assets	1.2880%	629
Noncurrent loans to loans	1.8769%	644
Net loans and leases to total assets	67.5723%	1,879
Net loans and leases to deposits	88.9555%	1,007
Net loans and leases to core deposits	100.8538%	868
Total domestic deposits to total assets	75.9619%	4,508
Equity capital to assets	11.6042%	1,807
Core capital (leverage) ratio	10.8996%	1,855
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.7460%	1,324
Memoranda:
Average total assets	$380,160,600	1,921
Average earning assets	$354,431,400	1,917
Average equity	$43,317,000	1,898
Average total loans	$268,627,200	1,832
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3287%	2,019
Cost of funding earning assets	0.9181%	1,004
Net interest margin	3.4105%	2,887
Noninterest income to average assets	1.1270%	826
Noninterest expense to average assets	2.3317%	3,334
Loan and lease loss provision to assets	0.1624%	2,379
Net operating income to assets	1.4955%	914
Return on assets (ROA)	1.4955%	998
Pretax return on assets	1.8099%	760
Return on Equity (ROE)	13.1876%	1,057
Retained earnings to average equity (ytd only)	7.5362%	1,486
Net charge-offs to loans	-0.0645%	4,742
Credit loss provision to net charge-offs	-353.8462%	3,725
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	52.3270%	4,310
Assets per employee ($millions)	5.2383%	2,970
Cash dividends to net income (ytd only)*	42.8538%	1,819
Condition Ratios (%)
Loss allowance to loans	1.3594%	1,914
Loan loss allowance to noncurrent loans	68.7511%	3,756
Noncurrent assets plus other real estate owned to assets	1.4015%	645
Noncurrent loans to loans	1.9773%	616
Net loans and leases to total assets	69.8511%	1,978
Net loans and leases to deposits	93.3961%	975
Net loans and leases to core deposits	110.0522%	702
Total domestic deposits to total assets	74.7901%	4,520
Equity capital to assets	11.3345%	2,125
Core capital (leverage) ratio	10.6454%	2,148
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.2732%	1,193
Memoranda:
Average total assets	$377,395,500	1,915
Average earning assets	$351,568,500	1,915
Average equity	$42,796,750	1,902
Average total loans	$268,731,750	1,823
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4057%	2,194
Cost of funding earning assets	0.9948%	999
Net interest margin	3.4108%	3,066
Noninterest income to average assets	1.0262%	935
Noninterest expense to average assets	2.3840%	3,296
Loan and lease loss provision to assets	0.1827%	2,191
Net operating income to assets	1.3712%	1,176
Return on assets (ROA)	1.3712%	1,271
Pretax return on assets	1.6409%	1,125
Return on Equity (ROE)	12.0893%	1,313
Retained earnings to average equity (ytd only)	6.3384%	1,926
Net charge-offs to loans	-0.1002%	4,849
Credit loss provision to net charge-offs	-255.6391%	3,518
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	54.7440%	4,090
Assets per employee ($millions)	5.1927%	2,941
Cash dividends to net income (ytd only)*	47.5705%	1,625
Condition Ratios (%)
Loss allowance to loans	1.2957%	2,025
Loan loss allowance to noncurrent loans	56.2894%	3,959
Noncurrent assets plus other real estate owned to assets	1.6088%	550
Noncurrent loans to loans	2.3019%	536
Net loans and leases to total assets	68.9295%	2,196
Net loans and leases to deposits	92.4696%	1,099
Net loans and leases to core deposits	112.4843%	649
Total domestic deposits to total assets	74.5429%	4,557
Equity capital to assets	10.7059%	2,570
Core capital (leverage) ratio	10.2932%	2,536
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.6257%	1,334
Memoranda:
Average total assets	$372,237,333	1,915
Average earning assets	$347,190,000	1,909
Average equity	$42,219,000	1,912
Average total loans	$265,573,667	1,814
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5768%	2,075
Cost of funding earning assets	1.1388%	935
Net interest margin	3.4380%	3,191
Noninterest income to average assets	0.9600%	935
Noninterest expense to average assets	2.5056%	3,257
Loan and lease loss provision to assets	0.2473%	1,256
Net operating income to assets	1.2039%	1,503
Return on assets (ROA)	1.2039%	1,619
Pretax return on assets	1.4107%	1,528
Return on Equity (ROE)	10.2863%	1,649
Retained earnings to average equity (ytd only)	4.5237%	2,490
Net charge-offs to loans	-0.0498%	4,637
Credit loss provision to net charge-offs	-687.5000%	3,465
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	58.1533%	3,979
Assets per employee ($millions)	4.9015%	2,751
Cash dividends to net income (ytd only)*	56.0224%	1,483
Condition Ratios (%)
Loss allowance to loans	1.3396%	1,954
Loan loss allowance to noncurrent loans	48.3776%	4,112
Noncurrent assets plus other real estate owned to assets	2.0061%	416
Noncurrent loans to loans	2.7691%	410
Net loans and leases to total assets	70.8871%	2,104
Net loans and leases to deposits	97.3935%	784
Net loans and leases to core deposits	121.9283%	413
Total domestic deposits to total assets	72.7842%	4,740
Equity capital to assets	11.8262%	2,200
Core capital (leverage) ratio	11.4045%	2,154
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.1778%	1,559
Memoranda:
Average total assets	$355,841,000	1,936
Average earning assets	$331,585,000	1,927
Average equity	$41,647,500	1,922
Average total loans	$256,935,500	1,818
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9539%	1,603
Cost of funding earning assets	1.3355%	690
Net interest margin	3.6184%	3,085
Noninterest income to average assets	0.9441%	1,082
Noninterest expense to average assets	2.5948%	3,188
Loan and lease loss provision to assets	0.1220%	1,735
Net operating income to assets	1.3627%	1,467
Return on assets (ROA)	1.3847%	1,476
Pretax return on assets	1.6252%	1,412
Return on Equity (ROE)	12.2310%	1,425
Retained earnings to average equity (ytd only)	5.8569%	1,943
Net charge-offs to loans	0.0357%	2,676
Credit loss provision to net charge-offs	472.2222%	615
Earnings coverage of net charge-offs (x)	66.6333%	912
Efficiency ratio	58.1233%	3,944
Assets per employee ($millions)	4.7183%	2,931
Cash dividends to net income (ytd only)*	52.1144%	1,920
Condition Ratios (%)
Loss allowance to loans	1.2430%	2,210
Loan loss allowance to noncurrent loans	51.7091%	4,064
Noncurrent assets plus other real estate owned to assets	1.8184%	475
Noncurrent loans to loans	2.4039%	469
Net loans and leases to total assets	71.6626%	2,137
Net loans and leases to deposits	100.4026%	578
Net loans and leases to core deposits	126.9376%	325
Total domestic deposits to total assets	71.3752%	4,886
Equity capital to assets	11.5804%	2,458
Core capital (leverage) ratio	11.1992%	2,338
Tier 1 risk-based capital ratio	14.7956%	2,866
Total risk-based capital ratio	15.9771%	2,818
Memoranda:
Average total assets	$348,388,000	1,914
Average earning assets	$324,674,600	1,905
Average equity	$39,440,800	1,961
Average total loans	$252,295,000	1,812
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0162%	1,492
Cost of funding earning assets	1.3666%	647
Net interest margin	3.6497%	3,095
Noninterest income to average assets	0.9486%	1,042
Noninterest expense to average assets	2.6065%	3,153
Loan and lease loss provision to assets	0.1345%	1,429
Net operating income to assets	1.3719%	1,566
Return on assets (ROA)	1.4016%	1,523
Pretax return on assets	1.6452%	1,485
Return on Equity (ROE)	12.4536%	1,466
Retained earnings to average equity (ytd only)	7.2851%	1,722
Net charge-offs to loans	0.0595%	1,969
Credit loss provision to net charge-offs	312.5000%	928
Earnings coverage of net charge-offs (x)	40.5446%	1,369
Efficiency ratio	57.9161%	3,949
Assets per employee ($millions)	4.8161%	2,773
Cash dividends to net income (ytd only)*	41.5023%	2,092
Condition Ratios (%)
Loss allowance to loans	1.2127%	2,444
Loan loss allowance to noncurrent loans	60.2140%	3,996
Noncurrent assets plus other real estate owned to assets	1.5647%	682
Noncurrent loans to loans	2.0140%	671
Net loans and leases to total assets	71.7113%	2,219
Net loans and leases to deposits	102.1316%	501
Net loans and leases to core deposits	128.6824%	315
Total domestic deposits to total assets	70.2146%	4,986
Equity capital to assets	11.5926%	2,600
Core capital (leverage) ratio	11.1571%	2,508
Tier 1 risk-based capital ratio	14.9920%	2,852
Total risk-based capital ratio	16.1587%	2,823
Memoranda:
Average total assets	$347,016,250	1,932
Average earning assets	$323,527,500	1,921
Average equity	$39,056,000	1,985
Average total loans	$251,171,750	1,834
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0022%	1,485
Cost of funding earning assets	1.3734%	590
Net interest margin	3.6288%	3,166
Noninterest income to average assets	0.8070%	1,327
Noninterest expense to average assets	2.6484%	3,064
Loan and lease loss provision to assets	0.0868%	2,112
Net operating income to assets	1.2554%	1,934
Return on assets (ROA)	1.3042%	1,816
Pretax return on assets	1.5103%	1,828
Return on Equity (ROE)	11.7072%	1,691
Retained earnings to average equity (ytd only)	6.4382%	2,086
Net charge-offs to loans	0.0176%	2,522
Credit loss provision to net charge-offs	681.8182%	474
Earnings coverage of net charge-offs (x)	120.9545%	603
Efficiency ratio	61.1526%	3,564
Assets per employee ($millions)	4.5972%	3,007
Cash dividends to net income (ytd only)*	45.0067%	2,005
Condition Ratios (%)
Loss allowance to loans	1.1600%	2,740
Loan loss allowance to noncurrent loans	58.7021%	4,036
Noncurrent assets plus other real estate owned to assets	1.4181%	825
Noncurrent loans to loans	1.9762%	730
Net loans and leases to total assets	70.9270%	2,402
Net loans and leases to deposits	103.3122%	455
Net loans and leases to core deposits	149.2556%	139
Total domestic deposits to total assets	68.6531%	5,087
Equity capital to assets	11.0967%	2,949
Core capital (leverage) ratio	10.9069%	2,681
Tier 1 risk-based capital ratio	14.4567%	3,084
Total risk-based capital ratio	15.5676%	3,074
Memoranda:
Average total assets	$345,495,670	1,950
Average earning assets	$321,977,330	1,939
Average equity	$38,489,000	2,000
Average total loans	$249,823,670	1,843
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9953%	1,348
Cost of funding earning assets	1.3364%	583
Net interest margin	3.6589%	3,046
Noninterest income to average assets	0.8603%	1,145
Noninterest expense to average assets	2.6812%	2,961
Loan and lease loss provision to assets	0.0885%	1,940
Net operating income to assets	1.2946%	1,712
Return on assets (ROA)	1.2946%	1,753
Pretax return on assets	1.4928%	1,797
Return on Equity (ROE)	11.5968%	1,695
Retained earnings to average equity (ytd only)	6.3111%	2,315
Net charge-offs to loans	0.1772%	775
Credit loss provision to net charge-offs	68.8073%	1,861
Earnings coverage of net charge-offs (x)	12.2936%	1,875
Efficiency ratio	60.8250%	3,698
Assets per employee ($millions)	4.6453%	2,984
Cash dividends to net income (ytd only)*	45.5789%	1,757
Condition Ratios (%)
Loss allowance to loans	1.1348%	2,942
Loan loss allowance to noncurrent loans	123.2213%	3,019
Noncurrent assets plus other real estate owned to assets	0.6665%	2,101
Noncurrent loans to loans	0.9209%	1,817
Net loans and leases to total assets	71.5472%	2,244
Net loans and leases to deposits	100.0268%	636
Net loans and leases to core deposits	150.9949%	118
Total domestic deposits to total assets	71.5280%	5,060
Equity capital to assets	11.1842%	2,674
Core capital (leverage) ratio	11.2070%	2,384
Tier 1 risk-based capital ratio	14.7059%	2,998
Total risk-based capital ratio	15.7933%	3,011
Memoranda:
Average total assets	$338,951,500	1,982
Average earning assets	$315,176,500	1,975
Average equity	$37,838,000	2,024
Average total loans	$246,076,500	1,884
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7516%	1,675
Cost of funding earning assets	1.0696%	550
Net interest margin	3.6820%	3,107
Noninterest income to average assets	0.9912%	959
Noninterest expense to average assets	2.7484%	2,863
Loan and lease loss provision to assets	0.0542%	3,089
Net operating income to assets	1.3741%	1,521
Return on assets (ROA)	1.3307%	1,673
Pretax return on assets	1.5538%	1,611
Return on Equity (ROE)	11.9359%	1,736
Retained earnings to average equity (ytd only)	5.7903%	2,301
Net charge-offs to loans	0.0278%	2,850
Credit loss provision to net charge-offs	269.2308%	1,114
Earnings coverage of net charge-offs (x)	82.4462%	850
Efficiency ratio	60.4003%	3,786
Assets per employee ($millions)	4.4553%	3,235
Cash dividends to net income (ytd only)*	51.4884%	1,881
Condition Ratios (%)
Loss allowance to loans	1.1734%	2,704
Loan loss allowance to noncurrent loans	106.8063%	3,311
Noncurrent assets plus other real estate owned to assets	0.8101%	1,721
Noncurrent loans to loans	1.0987%	1,474
Net loans and leases to total assets	71.9821%	2,259
Net loans and leases to deposits	103.0425%	534
Net loans and leases to core deposits	134.2897%	256
Total domestic deposits to total assets	69.8567%	5,156
Equity capital to assets	11.1417%	2,563
Core capital (leverage) ratio	11.2569%	2,301
Tier 1 risk-based capital ratio	14.8642%	2,897
Total risk-based capital ratio	15.9946%	2,878
Memoranda:
Average total assets	$323,137,000	2,031
Average earning assets	$299,751,600	2,022
Average equity	$36,025,800	2,033
Average total loans	$233,408,600	1,920
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6921%	1,702
Cost of funding earning assets	1.0245%	535
Net interest margin	3.6676%	3,130
Noninterest income to average assets	0.8843%	1,238
Noninterest expense to average assets	2.7009%	2,979
Loan and lease loss provision to assets	0.0000%	3,948
Net operating income to assets	1.3597%	1,622
Return on assets (ROA)	1.3579%	1,640
Pretax return on assets	1.5826%	1,629
Return on Equity (ROE)	12.1780%	1,731
Retained earnings to average equity (ytd only)	6.3409%	2,464
Net charge-offs to loans	0.0115%	3,001
Credit loss provision to net charge-offs	0.0000%	3,085
Earnings coverage of net charge-offs (x)	190.3716%	452
Efficiency ratio	60.9827%	3,662
Assets per employee ($millions)	4.4151%	3,248
Cash dividends to net income (ytd only)*	47.9313%	1,668
Condition Ratios (%)
Loss allowance to loans	1.1720%	2,782
Loan loss allowance to noncurrent loans	106.2744%	3,355
Noncurrent assets plus other real estate owned to assets	0.8203%	1,805
Noncurrent loans to loans	1.1028%	1,542
Net loans and leases to total assets	70.3821%	2,585
Net loans and leases to deposits	98.3638%	924
Net loans and leases to core deposits	129.1461%	348
Total domestic deposits to total assets	71.5528%	5,159
Equity capital to assets	11.0808%	2,593
Core capital (leverage) ratio	11.3982%	2,245
Tier 1 risk-based capital ratio	15.2196%	2,777
Total risk-based capital ratio	16.3370%	2,766
Memoranda:
Average total assets	$320,383,500	2,054
Average earning assets	$297,115,250	2,043
Average equity	$35,724,750	2,053
Average total loans	$230,914,500	1,947
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6601%	1,617
Cost of funding earning assets	0.9723%	530
Net interest margin	3.6878%	2,979
Noninterest income to average assets	0.9030%	1,173
Noninterest expense to average assets	2.7027%	3,008
Loan and lease loss provision to assets	0.0000%	3,782
Net operating income to assets	1.3852%	1,490
Return on assets (ROA)	1.3825%	1,501
Pretax return on assets	1.6150%	1,454
Return on Equity (ROE)	12.3716%	1,594
Retained earnings to average equity (ytd only)	7.2318%	1,963
Net charge-offs to loans	-0.0530%	4,940
Credit loss provision to net charge-offs	0.0000%	2,759
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	60.5148%	3,855
Assets per employee ($millions)	4.4886%	3,140
Cash dividends to net income (ytd only)*	41.5455%	2,048
Condition Ratios (%)
Loss allowance to loans	1.2133%	2,646
Loan loss allowance to noncurrent loans	122.6737%	3,095
Noncurrent assets plus other real estate owned to assets	0.7268%	2,057
Noncurrent loans to loans	0.9890%	1,768
Net loans and leases to total assets	70.7456%	2,466
Net loans and leases to deposits	102.0478%	657
Net loans and leases to core deposits	136.2464%	234
Total domestic deposits to total assets	69.3260%	5,293
Equity capital to assets	11.1338%	2,522
Core capital (leverage) ratio	11.3887%	2,168
Tier 1 risk-based capital ratio	15.1626%	2,795
Total risk-based capital ratio	16.3226%	2,764
Memoranda:
Average total assets	$318,272,000	2,073
Average earning assets	$294,973,000	2,072
Average equity	$35,565,330	2,063
Average total loans	$230,326,670	1,951
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5990%	1,574
Cost of funding earning assets	0.9239%	531
Net interest margin	3.6751%	2,906
Noninterest income to average assets	1.0132%	888
Noninterest expense to average assets	2.6990%	3,044
Loan and lease loss provision to assets	0.0000%	3,508
Net operating income to assets	1.4505%	1,193
Return on assets (ROA)	1.4451%	1,215
Pretax return on assets	1.7086%	1,093
Return on Equity (ROE)	12.9083%	1,296
Retained earnings to average equity (ytd only)	7.8174%	1,914
Net charge-offs to loans	-0.0191%	4,537
Credit loss provision to net charge-offs	0.0000%	2,201
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	59.1392%	4,192
Assets per employee ($millions)	4.4725%	3,205
Cash dividends to net income (ytd only)*	39.4391%	1,849
Condition Ratios (%)
Loss allowance to loans	1.1960%	2,827
Loan loss allowance to noncurrent loans	135.6616%	2,925
Noncurrent assets plus other real estate owned to assets	0.6553%	2,354
Noncurrent loans to loans	0.8816%	2,065
Net loans and leases to total assets	71.7481%	2,214
Net loans and leases to deposits	100.7460%	655
Net loans and leases to core deposits	131.9450%	303
Total domestic deposits to total assets	71.2168%	5,324
Equity capital to assets	11.1535%	2,430
Core capital (leverage) ratio	11.3578%	2,118
Tier 1 risk-based capital ratio	14.9670%	2,879
Total risk-based capital ratio	16.1110%	2,879
Memoranda:
Average total assets	$315,818,500	2,098
Average earning assets	$292,237,500	2,113
Average equity	$35,357,000	2,083
Average total loans	$229,768,500	1,969
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3776%	2,086
Cost of funding earning assets	0.7564%	798
Net interest margin	3.6213%	3,098
Noninterest income to average assets	0.8442%	1,426
Noninterest expense to average assets	2.6294%	3,354
Loan and lease loss provision to assets	-0.1968%	5,572
Net operating income to assets	1.1576%	1,652
Return on assets (ROA)	1.1561%	1,690
Pretax return on assets	1.7524%	890
Return on Equity (ROE)	10.1622%	1,820
Retained earnings to average equity (ytd only)	4.3560%	2,543
Net charge-offs to loans	-0.0959%	5,361
Credit loss provision to net charge-offs	295.5665%	957
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	61.2282%	4,070
Assets per employee ($millions)	4.4870%	3,204
Cash dividends to net income (ytd only)*	57.1348%	1,904
Condition Ratios (%)
Loss allowance to loans	1.1999%	2,779
Loan loss allowance to noncurrent loans	121.4949%	3,187
Noncurrent assets plus other real estate owned to assets	0.7199%	2,170
Noncurrent loans to loans	0.9876%	1,794
Net loans and leases to total assets	72.0170%	2,233
Net loans and leases to deposits	106.4452%	384
Net loans and leases to core deposits	143.4216%	180
Total domestic deposits to total assets	67.6564%	5,482
Equity capital to assets	11.2377%	2,405
Core capital (leverage) ratio	11.3842%	2,028
Tier 1 risk-based capital ratio	14.7760%	2,946
Total risk-based capital ratio	15.9253%	2,932
Memoranda:
Average total assets	$304,899,800	2,142
Average earning assets	$281,477,000	2,147
Average equity	$34,687,400	2,099
Average total loans	$211,642,600	2,061
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3408%	2,138
Cost of funding earning assets	0.7282%	852
Net interest margin	3.6125%	3,102
Noninterest income to average assets	0.8521%	1,419
Noninterest expense to average assets	2.6168%	3,358
Loan and lease loss provision to assets	-0.2644%	5,684
Net operating income to assets	1.3179%	1,280
Return on assets (ROA)	1.3157%	1,318
Pretax return on assets	1.8321%	817
Return on Equity (ROE)	11.5280%	1,478
Retained earnings to average equity (ytd only)	6.0690%	2,186
Net charge-offs to loans	-0.2373%	5,574
Credit loss provision to net charge-offs	162.6016%	1,581
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	60.9112%	4,056
Assets per employee ($millions)	4.4756%	3,187
Cash dividends to net income (ytd only)*	47.3545%	1,900
Condition Ratios (%)
Loss allowance to loans	1.3549%	2,098
Loan loss allowance to noncurrent loans	128.8938%	3,088
Noncurrent assets plus other real estate owned to assets	0.7426%	2,272
Noncurrent loans to loans	1.0512%	1,840
Net loans and leases to total assets	69.6845%	2,608
Net loans and leases to deposits	98.0150%	914
Net loans and leases to core deposits	136.1536%	255
Total domestic deposits to total assets	71.0957%	5,437
Equity capital to assets	11.7182%	2,172
Core capital (leverage) ratio	11.6803%	1,901
Tier 1 risk-based capital ratio	15.5779%	2,681
Total risk-based capital ratio	16.8279%	2,619
Memoranda:
Average total assets	$302,603,000	2,170
Average earning assets	$279,391,500	2,171
Average equity	$34,535,250	2,124
Average total loans	$207,317,500	2,110
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2841%	2,185
Cost of funding earning assets	0.6992%	898
Net interest margin	3.5849%	3,092
Noninterest income to average assets	0.8602%	1,392
Noninterest expense to average assets	2.6713%	3,196
Loan and lease loss provision to assets	0.0331%	3,326
Net operating income to assets	1.0946%	2,003
Return on assets (ROA)	1.0906%	2,078
Pretax return on assets	1.4608%	1,796
Return on Equity (ROE)	9.6430%	2,196
Retained earnings to average equity (ytd only)	4.8771%	2,791
Net charge-offs to loans	0.5216%	372
Credit loss provision to net charge-offs	9.3633%	2,860
Earnings coverage of net charge-offs (x)	4.2397%	2,959
Efficiency ratio	62.4643%	3,913
Assets per employee ($millions)	4.3097%	3,414
Cash dividends to net income (ytd only)*	49.4232%	1,895
Condition Ratios (%)
Loss allowance to loans	1.2781%	2,521
Loan loss allowance to noncurrent loans	91.5978%	3,715
Noncurrent assets plus other real estate owned to assets	0.9656%	1,816
Noncurrent loans to loans	1.3954%	1,379
Net loans and leases to total assets	68.1046%	2,802
Net loans and leases to deposits	98.2174%	876
Net loans and leases to core deposits	132.6592%	268
Total domestic deposits to total assets	69.3407%	5,561
Equity capital to assets	11.5935%	2,234
Core capital (leverage) ratio	11.3412%	2,091
Tier 1 risk-based capital ratio	15.5682%	2,680
Total risk-based capital ratio	16.7655%	2,635
Memoranda:
Average total assets	$302,024,330	2,180
Average earning assets	$278,893,670	2,181
Average equity	$34,159,330	2,133
Average total loans	$204,760,000	2,131
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2423%	2,125
Cost of funding earning assets	0.6605%	1,024
Net interest margin	3.5818%	2,958
Noninterest income to average assets	0.9001%	1,240
Noninterest expense to average assets	2.6552%	3,293
Loan and lease loss provision to assets	0.0000%	3,537
Net operating income to assets	1.1492%	1,672
Return on assets (ROA)	1.1423%	1,740
Pretax return on assets	1.5447%	1,394
Return on Equity (ROE)	10.2277%	1,858
Retained earnings to average equity (ytd only)	5.4872%	2,609
Net charge-offs to loans	-0.0079%	4,329
Credit loss provision to net charge-offs	0.0000%	2,277
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	61.5094%	4,227
Assets per employee ($millions)	4.2153%	3,640
Cash dividends to net income (ytd only)*	46.3499%	1,806
Condition Ratios (%)
Loss allowance to loans	1.5272%	1,596
Loan loss allowance to noncurrent loans	130.7852%	3,108
Noncurrent assets plus other real estate owned to assets	0.7960%	2,309
Noncurrent loans to loans	1.1677%	1,741
Net loans and leases to total assets	66.8790%	2,835
Net loans and leases to deposits	90.5264%	1,473
Net loans and leases to core deposits	118.9346%	489
Total domestic deposits to total assets	73.8779%	5,423
Equity capital to assets	11.2351%	2,400
Core capital (leverage) ratio	11.3517%	2,061
Tier 1 risk-based capital ratio	15.3976%	2,798
Total risk-based capital ratio	16.6496%	2,730
Memoranda:
Average total assets	$302,198,000	2,193
Average earning assets	$279,186,000	2,192
Average equity	$33,751,500	2,163
Average total loans	$203,082,000	2,149
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2293%	2,389
Cost of funding earning assets	0.6213%	1,198
Net interest margin	3.6080%	3,047
Noninterest income to average assets	1.0185%	1,091
Noninterest expense to average assets	2.5734%	3,765
Loan and lease loss provision to assets	0.0000%	4,332
Net operating income to assets	1.2617%	1,324
Return on assets (ROA)	1.2615%	1,403
Pretax return on assets	1.7893%	823
Return on Equity (ROE)	11.1690%	1,517
Retained earnings to average equity (ytd only)	6.5951%	1,410
Net charge-offs to loans	0.0276%	3,481
Credit loss provision to net charge-offs	0.0000%	3,785
Earnings coverage of net charge-offs (x)	98.9623%	601
Efficiency ratio	58.2701%	4,818
Assets per employee ($millions)	4.2379%	3,548
Cash dividends to net income (ytd only)*	40.9521%	2,817
Condition Ratios (%)
Loss allowance to loans	1.5717%	1,439
Loan loss allowance to noncurrent loans	87.5035%	3,872
Noncurrent assets plus other real estate owned to assets	1.2171%	1,476
Noncurrent loans to loans	1.7962%	1,055
Net loans and leases to total assets	65.4360%	3,153
Net loans and leases to deposits	90.0757%	1,672
Net loans and leases to core deposits	116.9853%	576
Total domestic deposits to total assets	72.6456%	5,520
Equity capital to assets	11.1017%	2,538
Core capital (leverage) ratio	11.2232%	2,144
Tier 1 risk-based capital ratio	15.1239%	2,910
Total risk-based capital ratio	16.3758%	2,842
Memoranda:
Average total assets	$293,074,400	2,206
Average earning assets	$271,673,000	2,200
Average equity	$33,100,400	2,172
Average total loans	$192,305,400	2,187
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2345%	2,395
Cost of funding earning assets	0.6168%	1,228
Net interest margin	3.6177%	3,012
Noninterest income to average assets	1.0657%	997
Noninterest expense to average assets	2.5556%	3,806
Loan and lease loss provision to assets	0.0000%	4,186
Net operating income to assets	1.3024%	1,286
Return on assets (ROA)	1.3021%	1,382
Pretax return on assets	1.8677%	763
Return on Equity (ROE)	11.4781%	1,497
Retained earnings to average equity (ytd only)	6.8796%	1,684
Net charge-offs to loans	0.0329%	2,985
Credit loss provision to net charge-offs	0.0000%	3,412
Earnings coverage of net charge-offs (x)	86.7804%	724
Efficiency ratio	57.0867%	4,944
Assets per employee ($millions)	4.2919%	3,432
Cash dividends to net income (ytd only)*	40.0634%	2,354
Condition Ratios (%)
Loss allowance to loans	1.6147%	1,426
Loan loss allowance to noncurrent loans	78.3777%	4,080
Noncurrent assets plus other real estate owned to assets	1.3997%	1,331
Noncurrent loans to loans	2.0601%	941
Net loans and leases to total assets	64.8133%	3,296
Net loans and leases to deposits	87.4035%	2,094
Net loans and leases to core deposits	109.1785%	972
Total domestic deposits to total assets	74.1541%	5,418
Equity capital to assets	11.4581%	2,549
Core capital (leverage) ratio	11.2035%	2,268
Tier 1 risk-based capital ratio	15.4110%	2,869
Total risk-based capital ratio	16.6634%	2,797
Memoranda:
Average total assets	$291,120,250	2,225
Average earning assets	$270,217,250	2,215
Average equity	$33,024,500	2,193
Average total loans	$190,373,000	2,207
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2364%	2,381
Cost of funding earning assets	0.6120%	1,234
Net interest margin	3.6244%	3,000
Noninterest income to average assets	1.1657%	824
Noninterest expense to average assets	2.5269%	3,965
Loan and lease loss provision to assets	0.0000%	4,017
Net operating income to assets	1.3891%	1,076
Return on assets (ROA)	1.3895%	1,140
Pretax return on assets	2.0114%	558
Return on Equity (ROE)	12.2914%	1,213
Retained earnings to average equity (ytd only)	7.6218%	1,332
Net charge-offs to loans	-0.0371%	5,236
Credit loss provision to net charge-offs	0.0000%	3,050
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	55.0480%	5,237
Assets per employee ($millions)	4.2637%	3,442
Cash dividends to net income (ytd only)*	37.9910%	2,515
Condition Ratios (%)
Loss allowance to loans	1.6889%	1,295
Loan loss allowance to noncurrent loans	76.9890%	4,188
Noncurrent assets plus other real estate owned to assets	1.4528%	1,337
Noncurrent loans to loans	2.1936%	859
Net loans and leases to total assets	63.9512%	3,368
Net loans and leases to deposits	87.2000%	2,110
Net loans and leases to core deposits	106.7449%	1,119
Total domestic deposits to total assets	73.3386%	5,579
Equity capital to assets	11.3942%	2,647
Core capital (leverage) ratio	11.0292%	2,405
Tier 1 risk-based capital ratio	15.6460%	2,803
Total risk-based capital ratio	16.8993%	2,738
Memoranda:
Average total assets	$289,447,000	2,246
Average earning assets	$269,287,000	2,238
Average equity	$32,722,000	2,212
Average total loans	$188,801,330	2,223
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3058%	2,111
Cost of funding earning assets	0.6102%	1,274
Net interest margin	3.6956%	2,686
Noninterest income to average assets	1.3042%	641
Noninterest expense to average assets	2.4830%	4,122
Loan and lease loss provision to assets	0.0000%	3,656
Net operating income to assets	1.5304%	807
Return on assets (ROA)	1.5313%	850
Pretax return on assets	2.2656%	335
Return on Equity (ROE)	13.6004%	907
Retained earnings to average equity (ytd only)	8.9597%	1,130
Net charge-offs to loans	-0.1707%	5,803
Credit loss provision to net charge-offs	0.0000%	2,416
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	51.8051%	5,525
Assets per employee ($millions)	4.2659%	3,461
Cash dividends to net income (ytd only)*	34.1219%	2,261
Condition Ratios (%)
Loss allowance to loans	1.7284%	1,290
Loan loss allowance to noncurrent loans	78.3971%	4,120
Noncurrent assets plus other real estate owned to assets	1.4672%	1,405
Noncurrent loans to loans	2.2047%	926
Net loans and leases to total assets	64.2300%	3,211
Net loans and leases to deposits	85.6415%	2,099
Net loans and leases to core deposits	105.3334%	1,119
Total domestic deposits to total assets	74.9987%	5,522
Equity capital to assets	11.2968%	2,633
Core capital (leverage) ratio	11.1868%	2,235
Tier 1 risk-based capital ratio	15.6591%	2,840
Total risk-based capital ratio	16.9130%	2,765
Memoranda:
Average total assets	$287,074,000	2,262
Average earning assets	$267,450,500	2,256
Average equity	$32,322,500	2,231
Average total loans	$187,516,000	2,232
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2595%	2,351
Cost of funding earning assets	0.5104%	2,068
Net interest margin	3.7491%	2,558
Noninterest income to average assets	1.0759%	1,018
Noninterest expense to average assets	2.7734%	3,338
Loan and lease loss provision to assets	0.0000%	4,380
Net operating income to assets	1.3044%	1,262
Return on assets (ROA)	1.4114%	1,058
Pretax return on assets	1.9362%	618
Return on Equity (ROE)	12.7290%	1,118
Retained earnings to average equity (ytd only)	7.8140%	973
Net charge-offs to loans	0.1179%	2,194
Credit loss provision to net charge-offs	0.0000%	3,899
Earnings coverage of net charge-offs (x)	24.2537%	1,685
Efficiency ratio	60.7794%	4,790
Assets per employee ($millions)	4.3040%	3,375
Cash dividends to net income (ytd only)*	38.6126%	2,918
Condition Ratios (%)
Loss allowance to loans	1.7240%	1,301
Loan loss allowance to noncurrent loans	84.3091%	4,029
Noncurrent assets plus other real estate owned to assets	1.3761%	1,525
Noncurrent loans to loans	2.0449%	1,011
Net loans and leases to total assets	64.1535%	3,252
Net loans and leases to deposits	86.8040%	2,029
Net loans and leases to core deposits	101.5950%	1,395
Total domestic deposits to total assets	73.9062%	5,658
Equity capital to assets	11.2209%	2,620
Core capital (leverage) ratio	11.1368%	2,276
Tier 1 risk-based capital ratio	15.9469%	2,713
Total risk-based capital ratio	17.2010%	2,645
Memoranda:
Average total assets	$277,814,600	2,289
Average earning assets	$258,412,000	2,276
Average equity	$30,803,600	2,262
Average total loans	$173,850,000	2,307
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2593%	2,367
Cost of funding earning assets	0.4975%	2,234
Net interest margin	3.7619%	2,519
Noninterest income to average assets	1.1390%	923
Noninterest expense to average assets	2.7245%	3,480
Loan and lease loss provision to assets	0.0000%	4,232
Net operating income to assets	1.3553%	1,214
Return on assets (ROA)	1.3943%	1,172
Pretax return on assets	1.9624%	642
Return on Equity (ROE)	12.6144%	1,220
Retained earnings to average equity (ytd only)	7.6411%	1,398
Net charge-offs to loans	0.1217%	1,909
Credit loss provision to net charge-offs	0.0000%	3,517
Earnings coverage of net charge-offs (x)	25.3339%	1,670
Efficiency ratio	58.8205%	5,027
Assets per employee ($millions)	4.1596%	3,601
Cash dividends to net income (ytd only)*	39.4255%	2,331
Condition Ratios (%)
Loss allowance to loans	1.9033%	1,067
Loan loss allowance to noncurrent loans	84.8406%	4,052
Noncurrent assets plus other real estate owned to assets	1.4421%	1,578
Noncurrent loans to loans	2.2433%	967
Net loans and leases to total assets	60.9407%	3,745
Net loans and leases to deposits	78.1337%	3,088
Net loans and leases to core deposits	89.0089%	2,562
Total domestic deposits to total assets	77.9954%	5,182
Equity capital to assets	11.4223%	2,560
Core capital (leverage) ratio	11.0642%	2,419
Tier 1 risk-based capital ratio	16.7507%	2,455
Total risk-based capital ratio	18.0067%	2,413
Memoranda:
Average total assets	$276,251,500	2,314
Average earning assets	$256,497,000	2,304
Average equity	$30,535,750	2,296
Average total loans	$170,953,500	2,355
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1909%	2,570
Cost of funding earning assets	0.4913%	2,337
Net interest margin	3.6996%	2,711
Noninterest income to average assets	1.0411%	1,093
Noninterest expense to average assets	2.7079%	3,571
Loan and lease loss provision to assets	0.0000%	4,069
Net operating income to assets	1.2791%	1,382
Return on assets (ROA)	1.3424%	1,257
Pretax return on assets	1.8474%	820
Return on Equity (ROE)	12.2796%	1,289
Retained earnings to average equity (ytd only)	7.2303%	1,604
Net charge-offs to loans	0.1566%	1,540
Credit loss provision to net charge-offs	0.0000%	3,158
Earnings coverage of net charge-offs (x)	18.1866%	1,818
Efficiency ratio	60.5982%	4,895
Assets per employee ($millions)	4.0149%	3,852
Cash dividends to net income (ytd only)*	41.1195%	2,339
Condition Ratios (%)
Loss allowance to loans	1.9204%	1,123
Loan loss allowance to noncurrent loans	89.0706%	3,980
Noncurrent assets plus other real estate owned to assets	1.3454%	1,865
Noncurrent loans to loans	2.1560%	1,112
Net loans and leases to total assets	60.2484%	3,791
Net loans and leases to deposits	77.6844%	3,071
Net loans and leases to core deposits	88.0375%	2,548
Total domestic deposits to total assets	77.5553%	5,366
Equity capital to assets	11.0491%	2,836
Core capital (leverage) ratio	10.8604%	2,558
Tier 1 risk-based capital ratio	16.4416%	2,638
Total risk-based capital ratio	17.6979%	2,594
Memoranda:
Average total assets	$276,824,000	2,327
Average earning assets	$256,458,670	2,320
Average equity	$30,261,670	2,321
Average total loans	$171,088,330	2,361
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2472%	2,284
Cost of funding earning assets	0.4972%	2,308
Net interest margin	3.7500%	2,433
Noninterest income to average assets	0.9338%	1,288
Noninterest expense to average assets	2.7681%	3,352
Loan and lease loss provision to assets	0.0000%	3,703
Net operating income to assets	1.1986%	1,556
Return on assets (ROA)	1.3270%	1,271
Pretax return on assets	1.7953%	872
Return on Equity (ROE)	12.2042%	1,291
Retained earnings to average equity (ytd only)	7.2188%	1,910
Net charge-offs to loans	0.3264%	740
Credit loss provision to net charge-offs	0.0000%	2,491
Earnings coverage of net charge-offs (x)	8.0143%	2,118
Efficiency ratio	63.0556%	4,622
Assets per employee ($millions)	4.0788%	3,807
Cash dividends to net income (ytd only)*	40.8497%	2,021
Condition Ratios (%)
Loss allowance to loans	1.9094%	1,267
Loan loss allowance to noncurrent loans	97.6647%	3,734
Noncurrent assets plus other real estate owned to assets	1.2540%	2,130
Noncurrent loans to loans	1.9551%	1,354
Net loans and leases to total assets	60.4182%	3,594
Net loans and leases to deposits	77.2305%	2,922
Net loans and leases to core deposits	86.5832%	2,486
Total domestic deposits to total assets	78.2309%	5,407
Equity capital to assets	10.9574%	3,019
Core capital (leverage) ratio	10.7424%	2,700
Tier 1 risk-based capital ratio	16.1977%	2,824
Total risk-based capital ratio	17.4541%	2,767
Memoranda:
Average total assets	$276,722,000	2,339
Average earning assets	$255,038,500	2,343
Average equity	$30,088,000	2,344
Average total loans	$171,546,000	2,354
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2871%	2,654
Cost of funding earning assets	0.4948%	2,715
Net interest margin	3.7923%	2,652
Noninterest income to average assets	1.1536%	907
Noninterest expense to average assets	2.7698%	3,595
Loan and lease loss provision to assets	0.2298%	1,057
Net operating income to assets	1.1910%	1,614
Return on assets (ROA)	1.1841%	1,708
Pretax return on assets	1.6394%	1,124
Return on Equity (ROE)	11.2790%	1,626
Retained earnings to average equity (ytd only)	5.1036%	2,523
Net charge-offs to loans	0.3525%	1,241
Credit loss provision to net charge-offs	107.9447%	2,215
Earnings coverage of net charge-offs (x)	8.8238%	2,824
Efficiency ratio	59.5839%	5,278
Assets per employee ($millions)	4.1207%	3,684
Cash dividends to net income (ytd only)*	54.7516%	2,023
Condition Ratios (%)
Loss allowance to loans	1.9750%	1,152
Loan loss allowance to noncurrent loans	77.3885%	4,289
Noncurrent assets plus other real estate owned to assets	1.6397%	1,644
Noncurrent loans to loans	2.5520%	989
Net loans and leases to total assets	61.1597%	3,617
Net loans and leases to deposits	79.0008%	2,831
Net loans and leases to core deposits	88.5750%	2,435
Total domestic deposits to total assets	77.4165%	5,536
Equity capital to assets	10.7883%	3,136
Core capital (leverage) ratio	10.3066%	3,162
Tier 1 risk-based capital ratio	15.7184%	3,118
Total risk-based capital ratio	16.9759%	3,045
Memoranda:
Average total assets	$271,934,400	2,347
Average earning assets	$250,609,800	2,347
Average equity	$28,548,600	2,371
Average total loans	$164,268,000	2,383
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2618%	2,768
Cost of funding earning assets	0.4931%	2,833
Net interest margin	3.7686%	2,741
Noninterest income to average assets	1.1241%	959
Noninterest expense to average assets	2.7464%	3,648
Loan and lease loss provision to assets	0.2338%	943
Net operating income to assets	1.1514%	1,860
Return on assets (ROA)	1.1424%	1,955
Pretax return on assets	1.6030%	1,316
Return on Equity (ROE)	10.9584%	1,804
Retained earnings to average equity (ytd only)	4.2870%	3,600
Net charge-offs to loans	0.1265%	2,529
Credit loss provision to net charge-offs	308.4416%	891
Earnings coverage of net charge-offs (x)	24.4024%	1,547
Efficiency ratio	59.7558%	5,216
Assets per employee ($millions)	4.1094%	3,644
Cash dividends to net income (ytd only)*	60.8788%	1,343
Condition Ratios (%)
Loss allowance to loans	2.1727%	983
Loan loss allowance to noncurrent loans	70.5758%	4,471
Noncurrent assets plus other real estate owned to assets	1.9582%	1,477
Noncurrent loans to loans	3.0786%	853
Net loans and leases to total assets	61.0412%	3,622
Net loans and leases to deposits	78.3664%	2,908
Net loans and leases to core deposits	87.5476%	2,479
Total domestic deposits to total assets	77.8921%	5,554
Equity capital to assets	10.7116%	3,281
Core capital (leverage) ratio	10.3188%	3,270
Tier 1 risk-based capital ratio	15.8652%	3,118
Total risk-based capital ratio	17.1255%	3,060
Memoranda:
Average total assets	$270,896,250	2,368
Average earning assets	$249,562,500	2,359
Average equity	$28,239,500	2,406
Average total loans	$162,271,000	2,420
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2385%	2,817
Cost of funding earning assets	0.4989%	2,844
Net interest margin	3.7396%	2,797
Noninterest income to average assets	1.1832%	836
Noninterest expense to average assets	2.7328%	3,750
Loan and lease loss provision to assets	0.2770%	739
Net operating income to assets	1.1579%	1,727
Return on assets (ROA)	1.1537%	1,822
Pretax return on assets	1.6109%	1,226
Return on Equity (ROE)	11.1696%	1,687
Retained earnings to average equity (ytd only)	3.5683%	3,922
Net charge-offs to loans	0.2163%	1,731
Credit loss provision to net charge-offs	216.7630%	1,095
Earnings coverage of net charge-offs (x)	14.8208%	1,891
Efficiency ratio	59.0677%	5,420
Assets per employee ($millions)	3.8765%	4,117
Cash dividends to net income (ytd only)*	68.0538%	1,231
Condition Ratios (%)
Loss allowance to loans	2.1751%	1,063
Loan loss allowance to noncurrent loans	69.6418%	4,519
Noncurrent assets plus other real estate owned to assets	1.9219%	1,680
Noncurrent loans to loans	3.1233%	910
Net loans and leases to total assets	58.9703%	3,865
Net loans and leases to deposits	75.3110%	3,154
Net loans and leases to core deposits	83.7299%	2,770
Total domestic deposits to total assets	78.3024%	5,581
Equity capital to assets	10.5313%	3,407
Core capital (leverage) ratio	10.2045%	3,333
Tier 1 risk-based capital ratio	16.1743%	2,993
Total risk-based capital ratio	17.4346%	2,941
Memoranda:
Average total assets	$270,788,330	2,368
Average earning assets	$249,334,000	2,364
Average equity	$27,968,670	2,413
Average total loans	$159,950,330	2,448
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2673%	2,641
Cost of funding earning assets	0.5035%	2,872
Net interest margin	3.7638%	2,621
Noninterest income to average assets	1.3604%	627
Noninterest expense to average assets	2.6661%	4,055
Loan and lease loss provision to assets	0.3327%	541
Net operating income to assets	1.2863%	1,253
Return on assets (ROA)	1.2791%	1,319
Pretax return on assets	1.8218%	776
Return on Equity (ROE)	12.5070%	1,280
Retained earnings to average equity (ytd only)	7.4464%	1,844
Net charge-offs to loans	0.1467%	1,838
Credit loss provision to net charge-offs	387.9310%	664
Earnings coverage of net charge-offs (x)	25.2414%	1,162
Efficiency ratio	55.1882%	5,908
Assets per employee ($millions)	4.1289%	3,665
Cash dividends to net income (ytd only)*	40.4624%	1,974
Condition Ratios (%)
Loss allowance to loans	2.1749%	1,205
Loan loss allowance to noncurrent loans	74.2935%	4,360
Noncurrent assets plus other real estate owned to assets	1.8341%	1,897
Noncurrent loans to loans	2.9274%	1,107
Net loans and leases to total assets	58.1502%	3,821
Net loans and leases to deposits	74.2110%	3,039
Net loans and leases to core deposits	81.7289%	2,762
Total domestic deposits to total assets	78.3579%	5,777
Equity capital to assets	10.3112%	3,453
Core capital (leverage) ratio	10.1851%	3,307
Tier 1 risk-based capital ratio	16.1168%	3,113
Total risk-based capital ratio	17.3751%	3,069
Memoranda:
Average total assets	$270,506,500	2,375
Average earning assets	$249,430,000	2,360
Average equity	$27,664,500	2,427
Average total loans	$158,138,000	2,484
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0211%	4,015
Cost of funding earning assets	0.5477%	3,137
Net interest margin	3.4733%	4,011
Noninterest income to average assets	0.9883%	1,424
Noninterest expense to average assets	2.5594%	4,588
Loan and lease loss provision to assets	0.4646%	612
Net operating income to assets	0.8827%	2,866
Return on assets (ROA)	0.9519%	2,630
Pretax return on assets	1.2466%	2,380
Return on Equity (ROE)	9.3998%	2,372
Retained earnings to average equity (ytd only)	4.2099%	3,177
Net charge-offs to loans	1.1338%	482
Credit loss provision to net charge-offs	71.8391%	3,251
Earnings coverage of net charge-offs (x)	2.5052%	4,177
Efficiency ratio	60.5691%	5,404
Assets per employee ($millions)	4.0075%	3,848
Cash dividends to net income (ytd only)*	55.2128%	2,014
Condition Ratios (%)
Loss allowance to loans	2.1745%	1,211
Loan loss allowance to noncurrent loans	61.6275%	4,804
Noncurrent assets plus other real estate owned to assets	2.2167%	1,613
Noncurrent loans to loans	3.5285%	880
Net loans and leases to total assets	56.2128%	4,285
Net loans and leases to deposits	72.0726%	3,509
Net loans and leases to core deposits	77.8607%	3,382
Total domestic deposits to total assets	77.9947%	5,828
Equity capital to assets	10.1414%	3,579
Core capital (leverage) ratio	9.9432%	3,652
Tier 1 risk-based capital ratio	16.4589%	2,874
Total risk-based capital ratio	17.7187%	2,831
Memoranda:
Average total assets	$269,045,600	2,355
Average earning assets	$247,197,000	2,357
Average equity	$27,245,400	2,435
Average total loans	$153,464,200	2,512
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9750%	4,226
Cost of funding earning assets	0.5568%	3,195
Net interest margin	3.4181%	4,218
Noninterest income to average assets	1.0372%	1,355
Noninterest expense to average assets	2.5316%	4,616
Loan and lease loss provision to assets	0.3963%	771
Net operating income to assets	0.9230%	2,724
Return on assets (ROA)	0.9361%	2,770
Pretax return on assets	1.2650%	2,464
Return on Equity (ROE)	9.2477%	2,517
Retained earnings to average equity (ytd only)	4.0416%	3,821
Net charge-offs to loans	0.6951%	862
Credit loss provision to net charge-offs	100.1252%	2,331
Earnings coverage of net charge-offs (x)	4.1527%	3,527
Efficiency ratio	59.9597%	5,438
Assets per employee ($millions)	3.9329%	3,978
Cash dividends to net income (ytd only)*	56.2962%	1,605
Condition Ratios (%)
Loss allowance to loans	2.5784%	853
Loan loss allowance to noncurrent loans	59.5327%	4,841
Noncurrent assets plus other real estate owned to assets	2.6365%	1,433
Noncurrent loans to loans	4.3311%	777
Net loans and leases to total assets	54.3502%	4,551
Net loans and leases to deposits	68.3061%	4,027
Net loans and leases to core deposits	73.6851%	3,886
Total domestic deposits to total assets	79.5686%	5,618
Equity capital to assets	10.1138%	3,750
Core capital (leverage) ratio	9.9921%	3,691
Tier 1 risk-based capital ratio	16.7465%	2,842
Total risk-based capital ratio	17.9845%	2,786
Memoranda:
Average total assets	$269,181,250	2,374
Average earning assets	$247,106,750	2,369
Average equity	$27,249,250	2,461
Average total loans	$153,258,250	2,526
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9902%	4,145
Cost of funding earning assets	0.5727%	3,189
Net interest margin	3.4175%	4,125
Noninterest income to average assets	1.0639%	1,355
Noninterest expense to average assets	2.5274%	4,636
Loan and lease loss provision to assets	0.4448%	656
Net operating income to assets	0.9140%	2,724
Return on assets (ROA)	0.9349%	2,776
Pretax return on assets	1.2611%	2,440
Return on Equity (ROE)	9.2326%	2,528
Retained earnings to average equity (ytd only)	4.0123%	3,742
Net charge-offs to loans	0.9417%	655
Credit loss provision to net charge-offs	82.4176%	2,579
Earnings coverage of net charge-offs (x)	3.1085%	3,494
Efficiency ratio	59.3970%	5,558
Assets per employee ($millions)	4.1165%	3,545
Cash dividends to net income (ytd only)*	56.5424%	1,608
Condition Ratios (%)
Loss allowance to loans	2.5098%	975
Loan loss allowance to noncurrent loans	66.9427%	4,524
Noncurrent assets plus other real estate owned to assets	2.3777%	1,802
Noncurrent loans to loans	3.7491%	1,088
Net loans and leases to total assets	53.1574%	4,712
Net loans and leases to deposits	68.3425%	3,964
Net loans and leases to core deposits	72.5246%	3,986
Total domestic deposits to total assets	77.7810%	6,013
Equity capital to assets	9.9175%	4,019
Core capital (leverage) ratio	9.8578%	3,705
Tier 1 risk-based capital ratio	17.0402%	2,701
Total risk-based capital ratio	18.1133%	2,737
Memoranda:
Average total assets	$269,763,000	2,375
Average earning assets	$247,958,670	2,368
Average equity	$27,316,330	2,465
Average total loans	$154,611,330	2,510
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0552%	3,902
Cost of funding earning assets	0.6048%	3,069
Net interest margin	3.4504%	3,909
Noninterest income to average assets	0.9568%	1,586
Noninterest expense to average assets	2.5432%	4,604
Loan and lease loss provision to assets	0.4464%	640
Net operating income to assets	0.8467%	2,917
Return on assets (ROA)	0.8467%	3,057
Pretax return on assets	1.1339%	2,842
Return on Equity (ROE)	8.2758%	2,833
Retained earnings to average equity (ytd only)	3.1852%	4,347
Net charge-offs to loans	-0.0862%	6,377
Credit loss provision to net charge-offs	-882.3529%	5,595
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	60.9527%	5,450
Assets per employee ($millions)	4.0993%	3,746
Cash dividends to net income (ytd only)*	61.5114%	1,278
Condition Ratios (%)
Loss allowance to loans	2.6872%	928
Loan loss allowance to noncurrent loans	58.1040%	4,807
Noncurrent assets plus other real estate owned to assets	3.2111%	1,358
Noncurrent loans to loans	4.6249%	881
Net loans and leases to total assets	56.8095%	3,958
Net loans and leases to deposits	71.4741%	3,255
Net loans and leases to core deposits	76.2585%	3,285
Total domestic deposits to total assets	79.4826%	5,880
Equity capital to assets	10.3283%	3,758
Core capital (leverage) ratio	9.8232%	3,634
Tier 1 risk-based capital ratio	16.3914%	3,067
Total risk-based capital ratio	17.6396%	3,015
Memoranda:
Average total assets	$268,799,000	2,402
Average earning assets	$246,694,000	2,406
Average equity	$27,502,000	2,485
Average total loans	$157,846,000	2,481
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5352%	3,261
Cost of funding earning assets	0.8599%	2,219
Net interest margin	3.6753%	3,763
Noninterest income to average assets	0.9772%	1,605
Noninterest expense to average assets	2.4906%	5,130
Loan and lease loss provision to assets	0.5381%	1,071
Net operating income to assets	0.9977%	2,342
Return on assets (ROA)	1.0922%	2,148
Pretax return on assets	1.4389%	1,898
Return on Equity (ROE)	10.9713%	1,813
Retained earnings to average equity (ytd only)	5.7000%	2,251
Net charge-offs to loans	0.9756%	1,123
Credit loss provision to net charge-offs	87.0348%	3,590
Earnings coverage of net charge-offs (x)	2.9964%	3,929
Efficiency ratio	56.6692%	5,985
Assets per employee ($millions)	4.3733%	3,205
Cash dividends to net income (ytd only)*	48.0462%	2,424
Condition Ratios (%)
Loss allowance to loans	2.4016%	1,228
Loan loss allowance to noncurrent loans	70.3751%	4,244
Noncurrent assets plus other real estate owned to assets	2.6495%	1,830
Noncurrent loans to loans	3.4126%	1,473
Net loans and leases to total assets	57.6427%	4,036
Net loans and leases to deposits	73.7277%	3,142
Net loans and leases to core deposits	80.0106%	2,998
Total domestic deposits to total assets	78.1833%	6,050
Equity capital to assets	10.1362%	3,990
Core capital (leverage) ratio	9.3693%	4,302
Tier 1 risk-based capital ratio	16.8908%	2,704
Total risk-based capital ratio	18.1628%	2,656
Memoranda:
Average total assets	$269,449,600	2,348
Average earning assets	$246,781,400	2,352
Average equity	$26,824,600	2,497
Average total loans	$170,758,600	2,306
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5956%	3,221
Cost of funding earning assets	0.9162%	2,063
Net interest margin	3.6794%	3,881
Noninterest income to average assets	0.9768%	1,573
Noninterest expense to average assets	2.4939%	5,106
Loan and lease loss provision to assets	0.4956%	1,238
Net operating income to assets	0.9986%	2,511
Return on assets (ROA)	0.9986%	2,734
Pretax return on assets	1.3589%	2,377
Return on Equity (ROE)	10.0774%	2,317
Retained earnings to average equity (ytd only)	4.7561%	3,556
Net charge-offs to loans	0.9196%	1,180
Credit loss provision to net charge-offs	83.6120%	3,508
Earnings coverage of net charge-offs (x)	3.1288%	3,775
Efficiency ratio	56.6674%	5,972
Assets per employee ($millions)	4.4422%	3,008
Cash dividends to net income (ytd only)*	52.8039%	1,576
Condition Ratios (%)
Loss allowance to loans	2.2970%	1,524
Loan loss allowance to noncurrent loans	59.3218%	4,678
Noncurrent assets plus other real estate owned to assets	3.1930%	1,612
Noncurrent loans to loans	3.8721%	1,343
Net loans and leases to total assets	58.7583%	3,996
Net loans and leases to deposits	76.2314%	2,944
Net loans and leases to core deposits	82.9354%	2,836
Total domestic deposits to total assets	77.0789%	6,218
Equity capital to assets	9.7406%	4,869
Core capital (leverage) ratio	9.2325%	4,699
Tier 1 risk-based capital ratio	15.5790%	3,490
Total risk-based capital ratio	16.7631%	3,491
Memoranda:
Average total assets	$269,025,500	2,375
Average earning assets	$246,520,750	2,383
Average equity	$26,659,750	2,531
Average total loans	$173,412,750	2,304
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7406%	2,755
Cost of funding earning assets	0.9653%	1,964
Net interest margin	3.7754%	3,478
Noninterest income to average assets	1.0113%	1,438
Noninterest expense to average assets	2.5650%	4,905
Loan and lease loss provision to assets	0.4521%	1,420
Net operating income to assets	1.0519%	2,238
Return on assets (ROA)	1.0519%	2,470
Pretax return on assets	1.4483%	2,018
Return on Equity (ROE)	10.5519%	2,151
Retained earnings to average equity (ytd only)	5.1550%	3,185
Net charge-offs to loans	1.0736%	1,018
Credit loss provision to net charge-offs	63.8298%	3,712
Earnings coverage of net charge-offs (x)	2.6830%	3,669
Efficiency ratio	56.7668%	6,033
Assets per employee ($millions)	4.3784%	3,120
Cash dividends to net income (ytd only)*	51.1461%	1,691
Condition Ratios (%)
Loss allowance to loans	2.1921%	1,787
Loan loss allowance to noncurrent loans	69.7600%	4,209
Noncurrent assets plus other real estate owned to assets	2.9057%	1,906
Noncurrent loans to loans	3.1423%	1,860
Net loans and leases to total assets	61.1599%	3,596
Net loans and leases to deposits	81.4344%	2,180
Net loans and leases to core deposits	88.9762%	2,105
Total domestic deposits to total assets	75.1033%	6,578
Equity capital to assets	9.9093%	4,471
Core capital (leverage) ratio	9.4315%	4,251
Tier 1 risk-based capital ratio	15.1912%	3,638
Total risk-based capital ratio	16.4527%	3,594
Memoranda:
Average total assets	$265,414,000	2,414
Average earning assets	$242,838,000	2,414
Average equity	$26,459,670	2,537
Average total loans	$175,114,670	2,295
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8672%	2,364
Cost of funding earning assets	1.0337%	1,782
Net interest margin	3.8335%	3,223
Noninterest income to average assets	1.0412%	1,332
Noninterest expense to average assets	2.5717%	4,919
Loan and lease loss provision to assets	0.4573%	1,351
Net operating income to assets	1.0976%	2,095
Return on assets (ROA)	1.0976%	2,291
Pretax return on assets	1.5229%	1,817
Return on Equity (ROE)	10.9758%	2,029
Retained earnings to average equity (ytd only)	5.6404%	3,171
Net charge-offs to loans	2.0698%	446
Credit loss provision to net charge-offs	32.6087%	3,579
Earnings coverage of net charge-offs (x)	1.4120%	3,617
Efficiency ratio	55.8272%	6,141
Assets per employee ($millions)	4.3137%	3,369
Cash dividends to net income (ytd only)*	48.6111%	1,509
Condition Ratios (%)
Loss allowance to loans	1.9525%	2,514
Loan loss allowance to noncurrent loans	84.6286%	3,521
Noncurrent assets plus other real estate owned to assets	2.7465%	2,144
Noncurrent loans to loans	2.3072%	2,800
Net loans and leases to total assets	65.6667%	2,526
Net loans and leases to deposits	86.2236%	1,395
Net loans and leases to core deposits	94.8042%	1,390
Total domestic deposits to total assets	76.1586%	6,525
Equity capital to assets	10.0253%	4,092
Core capital (leverage) ratio	9.6323%	3,870
Tier 1 risk-based capital ratio	14.5495%	4,060
Total risk-based capital ratio	15.8082%	4,016
Memoranda:
Average total assets	$262,390,000	2,457
Average earning assets	$240,302,000	2,446
Average equity	$26,239,500	2,553
Average total loans	$177,798,500	2,268
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1700%	2,187
Cost of funding earning assets	1.3132%	1,420
Net interest margin	3.8567%	3,532
Noninterest income to average assets	0.9247%	1,590
Noninterest expense to average assets	2.6644%	4,871
Loan and lease loss provision to assets	0.8440%	1,151
Net operating income to assets	0.7462%	3,273
Return on assets (ROA)	0.8285%	3,081
Pretax return on assets	1.0582%	3,008
Return on Equity (ROE)	8.5235%	2,664
Retained earnings to average equity (ytd only)	3.6769%	3,598
Net charge-offs to loans	0.8240%	2,100
Credit loss provision to net charge-offs	145.6798%	1,970
Earnings coverage of net charge-offs (x)	3.1011%	3,653
Efficiency ratio	59.0118%	5,897
Assets per employee ($millions)	4.2201%	3,429
Cash dividends to net income (ytd only)*	56.8618%	1,709
Condition Ratios (%)
Loss allowance to loans	1.3570%	4,639
Loan loss allowance to noncurrent loans	37.1830%	5,760
Noncurrent assets plus other real estate owned to assets	2.9739%	2,020
Noncurrent loans to loans	3.6496%	1,734
Net loans and leases to total assets	67.6222%	2,466
Net loans and leases to deposits	92.4670%	926
Net loans and leases to core deposits	105.3587%	827
Total domestic deposits to total assets	73.1312%	6,797
Equity capital to assets	9.9750%	4,198
Core capital (leverage) ratio	9.3822%	4,204
Tier 1 risk-based capital ratio	13.9653%	4,347
Total risk-based capital ratio	15.3585%	4,203
Memoranda:
Average total assets	$257,697,800	2,450
Average earning assets	$236,287,200	2,439
Average equity	$25,048,400	2,576
Average total loans	$181,186,200	2,227
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2093%	2,175
Cost of funding earning assets	1.3703%	1,373
Net interest margin	3.8390%	3,674
Noninterest income to average assets	0.8606%	1,802
Noninterest expense to average assets	2.6571%	4,879
Loan and lease loss provision to assets	0.9998%	861
Net operating income to assets	0.5957%	4,101
Return on assets (ROA)	0.7115%	3,722
Pretax return on assets	0.8632%	3,903
Return on Equity (ROE)	7.3696%	3,350
Retained earnings to average equity (ytd only)	2.4529%	4,895
Net charge-offs to loans	1.0115%	1,592
Credit loss provision to net charge-offs	139.6952%	2,285
Earnings coverage of net charge-offs (x)	2.4057%	3,920
Efficiency ratio	59.9929%	5,725
Assets per employee ($millions)	4.3188%	3,242
Cash dividends to net income (ytd only)*	66.7156%	977
Condition Ratios (%)
Loss allowance to loans	1.2563%	5,213
Loan loss allowance to noncurrent loans	39.9201%	5,628
Noncurrent assets plus other real estate owned to assets	2.6234%	2,462
Noncurrent loans to loans	3.1469%	2,211
Net loans and leases to total assets	69.7361%	2,132
Net loans and leases to deposits	94.7002%	781
Net loans and leases to core deposits	108.3117%	757
Total domestic deposits to total assets	73.6388%	6,797
Equity capital to assets	9.8712%	4,520
Core capital (leverage) ratio	9.2911%	4,464
Tier 1 risk-based capital ratio	13.6963%	4,578
Total risk-based capital ratio	15.0120%	4,490
Memoranda:
Average total assets	$256,711,000	2,465
Average earning assets	$235,264,000	2,462
Average equity	$24,785,750	2,604
Average total loans	$181,641,750	2,243
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2239%	2,170
Cost of funding earning assets	1.4335%	1,265
Net interest margin	3.7903%	3,833
Noninterest income to average assets	0.8362%	1,860
Noninterest expense to average assets	2.5791%	5,263
Loan and lease loss provision to assets	1.2114%	637
Net operating income to assets	0.4776%	4,603
Return on assets (ROA)	0.5596%	4,389
Pretax return on assets	0.6065%	4,728
Return on Equity (ROE)	5.8398%	4,046
Retained earnings to average equity (ytd only)	0.8319%	5,533
Net charge-offs to loans	1.3699%	1,106
Credit loss provision to net charge-offs	124.8993%	2,447
Earnings coverage of net charge-offs (x)	1.7824%	3,976
Efficiency ratio	59.2525%	5,990
Assets per employee ($millions)	4.3309%	3,117
Cash dividends to net income (ytd only)*	85.7542%	675
Condition Ratios (%)
Loss allowance to loans	1.1655%	5,683
Loan loss allowance to noncurrent loans	43.6468%	5,414
Noncurrent assets plus other real estate owned to assets	2.4683%	2,700
Noncurrent loans to loans	2.6703%	2,728
Net loans and leases to total assets	68.3968%	2,540
Net loans and leases to deposits	94.2802%	855
Net loans and leases to core deposits	107.5229%	837
Total domestic deposits to total assets	72.5463%	6,973
Equity capital to assets	9.7705%	4,425
Core capital (leverage) ratio	9.2494%	4,327
Tier 1 risk-based capital ratio	13.7819%	4,319
Total risk-based capital ratio	14.9901%	4,326
Memoranda:
Average total assets	$255,905,670	2,487
Average earning assets	$234,385,330	2,484
Average equity	$24,521,330	2,605
Average total loans	$181,187,670	2,266
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1975%	2,228
Cost of funding earning assets	1.4938%	1,189
Net interest margin	3.7037%	4,080
Noninterest income to average assets	0.7294%	2,393
Noninterest expense to average assets	2.5272%	5,459
Loan and lease loss provision to assets	1.8743%	303
Net operating income to assets	0.0203%	6,309
Return on assets (ROA)	0.0203%	6,343
Pretax return on assets	-0.2796%	6,605
Return on Equity (ROE)	0.2140%	6,339
Retained earnings to average equity (ytd only)	-4.7245%	6,496
Net charge-offs to loans	2.1029%	599
Credit loss provision to net charge-offs	124.4813%	2,215
Earnings coverage of net charge-offs (x)	1.0591%	3,869
Efficiency ratio	60.7427%	5,871
Assets per employee ($millions)	4.2618%	3,312
Cash dividends to net income (ytd only)*	2,307.6923%	4
Condition Ratios (%)
Loss allowance to loans	1.0940%	6,071
Loan loss allowance to noncurrent loans	43.4061%	5,405
Noncurrent assets plus other real estate owned to assets	2.4536%	2,772
Noncurrent loans to loans	2.5203%	2,964
Net loans and leases to total assets	70.2893%	2,073
Net loans and leases to deposits	95.0571%	747
Net loans and leases to core deposits	108.7248%	801
Total domestic deposits to total assets	73.9443%	6,910
Equity capital to assets	9.4961%	4,443
Core capital (leverage) ratio	9.0533%	4,523
Tier 1 risk-based capital ratio	13.2822%	4,592
Total risk-based capital ratio	14.4279%	4,660
Memoranda:
Average total assets	$256,096,000	2,508
Average earning assets	$234,576,000	2,500
Average equity	$24,299,000	2,617
Average total loans	$183,365,500	2,268
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5466%	2,095
Cost of funding earning assets	1.8332%	1,051
Net interest margin	3.7133%	4,293
Noninterest income to average assets	1.0899%	1,261
Noninterest expense to average assets	2.5999%	5,413
Loan and lease loss provision to assets	0.6636%	2,491
Net operating income to assets	0.8737%	2,486
Return on assets (ROA)	0.8260%	2,828
Pretax return on assets	1.1610%	2,360
Return on Equity (ROE)	8.8405%	2,368
Retained earnings to average equity (ytd only)	4.2197%	2,889
Net charge-offs to loans	0.7954%	2,649
Credit loss provision to net charge-offs	112.0633%	3,901
Earnings coverage of net charge-offs (x)	3.1945%	3,481
Efficiency ratio	56.5183%	6,526
Assets per employee ($millions)	4.1369%	3,498
Cash dividends to net income (ytd only)*	52.2684%	1,972
Condition Ratios (%)
Loss allowance to loans	0.9470%	6,585
Loan loss allowance to noncurrent loans	27.4436%	6,446
Noncurrent assets plus other real estate owned to assets	2.7206%	2,566
Noncurrent loans to loans	3.4506%	2,199
Net loans and leases to total assets	71.4491%	2,209
Net loans and leases to deposits	103.3546%	426
Net loans and leases to core deposits	118.6437%	571
Total domestic deposits to total assets	69.1301%	7,280
Equity capital to assets	9.4804%	4,430
Core capital (leverage) ratio	9.1034%	4,354
Tier 1 risk-based capital ratio	13.3136%	4,362
Total risk-based capital ratio	14.3163%	4,508
Memoranda:
Average total assets	$256,161,200	2,491
Average earning assets	$234,668,200	2,486
Average equity	$23,935,400	2,663
Average total loans	$190,721,800	2,246
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5573%	2,225
Cost of funding earning assets	1.8911%	1,061
Net interest margin	3.6662%	4,563
Noninterest income to average assets	1.0122%	1,433
Noninterest expense to average assets	2.5299%	5,604
Loan and lease loss provision to assets	0.7029%	2,179
Net operating income to assets	0.8392%	2,847
Return on assets (ROA)	0.8122%	3,094
Pretax return on assets	1.1001%	2,822
Return on Equity (ROE)	8.7245%	2,594
Retained earnings to average equity (ytd only)	4.0771%	3,602
Net charge-offs to loans	0.8840%	2,232
Credit loss provision to net charge-offs	105.9655%	4,031
Earnings coverage of net charge-offs (x)	2.7732%	3,758
Efficiency ratio	56.7207%	6,456
Assets per employee ($millions)	4.4189%	3,048
Cash dividends to net income (ytd only)*	53.2691%	1,510
Condition Ratios (%)
Loss allowance to loans	0.8662%	6,849
Loan loss allowance to noncurrent loans	30.0566%	6,323
Noncurrent assets plus other real estate owned to assets	2.6696%	2,704
Noncurrent loans to loans	2.8818%	2,771
Net loans and leases to total assets	72.2135%	2,206
Net loans and leases to deposits	105.8070%	369
Net loans and leases to core deposits	123.7214%	507
Total domestic deposits to total assets	68.2502%	7,366
Equity capital to assets	9.3922%	4,995
Core capital (leverage) ratio	8.8444%	4,932
Tier 1 risk-based capital ratio	12.8733%	4,668
Total risk-based capital ratio	13.7968%	4,921
Memoranda:
Average total assets	$256,080,000	2,528
Average earning assets	$234,494,750	2,521
Average equity	$23,840,250	2,714
Average total loans	$192,150,000	2,268
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5837%	2,199
Cost of funding earning assets	1.9414%	1,074
Net interest margin	3.6423%	4,620
Noninterest income to average assets	0.9437%	1,532
Noninterest expense to average assets	2.5223%	5,635
Loan and lease loss provision to assets	0.6679%	2,165
Net operating income to assets	0.8059%	2,946
Return on assets (ROA)	0.7826%	3,195
Pretax return on assets	1.0553%	2,915
Return on Equity (ROE)	8.4319%	2,697
Retained earnings to average equity (ytd only)	3.7249%	3,730
Net charge-offs to loans	0.9777%	1,891
Credit loss provision to net charge-offs	90.1379%	4,420
Earnings coverage of net charge-offs (x)	2.3680%	3,811
Efficiency ratio	58.0011%	6,376
Assets per employee ($millions)	4.0348%	3,704
Cash dividends to net income (ytd only)*	55.8233%	1,455
Condition Ratios (%)
Loss allowance to loans	0.7686%	7,097
Loan loss allowance to noncurrent loans	38.4375%	5,788
Noncurrent assets plus other real estate owned to assets	1.8968%	3,626
Noncurrent loans to loans	1.9996%	3,715
Net loans and leases to total assets	73.7943%	1,954
Net loans and leases to deposits	110.0861%	271
Net loans and leases to core deposits	117.8640%	772
Total domestic deposits to total assets	67.0333%	7,480
Equity capital to assets	9.2735%	5,044
Core capital (leverage) ratio	8.7908%	4,929
Tier 1 risk-based capital ratio	12.4143%	4,931
Total risk-based capital ratio	13.2254%	5,300
Memoranda:
Average total assets	$254,534,330	2,557
Average earning assets	$232,927,330	2,561
Average equity	$23,624,670	2,732
Average total loans	$192,894,000	2,285
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5895%	2,196
Cost of funding earning assets	2.0211%	1,019
Net interest margin	3.5684%	4,862
Noninterest income to average assets	0.8057%	1,993
Noninterest expense to average assets	2.4853%	5,784
Loan and lease loss provision to assets	0.5540%	2,285
Net operating income to assets	0.7965%	2,978
Return on assets (ROA)	0.7551%	3,296
Pretax return on assets	0.9799%	3,164
Return on Equity (ROE)	8.1318%	2,819
Retained earnings to average equity (ytd only)	3.4436%	4,086
Net charge-offs to loans	1.2001%	1,419
Credit loss provision to net charge-offs	60.3448%	4,289
Earnings coverage of net charge-offs (x)	1.7293%	3,693
Efficiency ratio	60.2410%	6,120
Assets per employee ($millions)	4.0083%	3,852
Cash dividends to net income (ytd only)*	57.6520%	1,297
Condition Ratios (%)
Loss allowance to loans	0.6910%	7,354
Loan loss allowance to noncurrent loans	29.8218%	6,411
Noncurrent assets plus other real estate owned to assets	2.1004%	3,387
Noncurrent loans to loans	2.3172%	3,368
Net loans and leases to total assets	76.2021%	1,500
Net loans and leases to deposits	112.8247%	232
Net loans and leases to core deposits	122.1480%	704
Total domestic deposits to total assets	67.5403%	7,551
Equity capital to assets	9.3592%	4,743
Core capital (leverage) ratio	8.8754%	4,762
Tier 1 risk-based capital ratio	12.1360%	5,051
Total risk-based capital ratio	12.8646%	5,527
Memoranda:
Average total assets	$252,686,500	2,626
Average earning assets	$231,361,500	2,632
Average equity	$23,463,500	2,773
Average total loans	$193,323,500	2,339
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.0205%	1,785
Cost of funding earning assets	2.4334%	1,200
Net interest margin	3.5871%	4,597
Noninterest income to average assets	0.9352%	1,808
Noninterest expense to average assets	2.5101%	6,088
Loan and lease loss provision to assets	0.5567%	3,589
Net operating income to assets	0.7868%	2,581
Return on assets (ROA)	0.7841%	2,680
Pretax return on assets	1.1543%	2,081
Return on Equity (ROE)	8.6748%	2,135
Retained earnings to average equity (ytd only)	4.2758%	2,232
Net charge-offs to loans	0.7071%	3,067
Credit loss provision to net charge-offs	98.8003%	5,637
Earnings coverage of net charge-offs (x)	3.0438%	3,554
Efficiency ratio	57.9710%	6,760
Assets per employee ($millions)	4.1451%	3,527
Cash dividends to net income (ytd only)*	50.7099%	2,434
Condition Ratios (%)
Loss allowance to loans	0.8135%	7,089
Loan loss allowance to noncurrent loans	55.5005%	4,668
Noncurrent assets plus other real estate owned to assets	1.4598%	4,219
Noncurrent loans to loans	1.4657%	4,467
Net loans and leases to total assets	75.6620%	1,887
Net loans and leases to deposits	123.2617%	138
Net loans and leases to core deposits	173.9089%	208
Total domestic deposits to total assets	61.3832%	7,779
Equity capital to assets	9.2121%	4,828
Core capital (leverage) ratio	8.8060%	4,762
Tier 1 risk-based capital ratio	12.2954%	4,691
Total risk-based capital ratio	13.1657%	4,971
Memoranda:
Average total assets	$251,501,200	2,591
Average earning assets	$230,661,200	2,593
Average equity	$22,732,400	2,859
Average total loans	$200,401,600	2,295
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.0789%	1,724
Cost of funding earning assets	2.5007%	1,299
Net interest margin	3.5782%	4,562
Noninterest income to average assets	0.9216%	1,897
Noninterest expense to average assets	2.5247%	5,995
Loan and lease loss provision to assets	0.4910%	3,449
Net operating income to assets	0.7990%	2,817
Return on assets (ROA)	0.8488%	2,689
Pretax return on assets	1.2645%	2,068
Return on Equity (ROE)	9.4366%	2,117
Retained earnings to average equity (ytd only)	5.0104%	2,485
Net charge-offs to loans	0.4113%	3,618
Credit loss provision to net charge-offs	148.2372%	3,259
Earnings coverage of net charge-offs (x)	5.0753%	2,931
Efficiency ratio	58.7909%	6,594
Assets per employee ($millions)	4.3458%	3,127
Cash dividends to net income (ytd only)*	46.9045%	2,154
Condition Ratios (%)
Loss allowance to loans	0.9475%	6,559
Loan loss allowance to noncurrent loans	72.8853%	3,691
Noncurrent assets plus other real estate owned to assets	1.5191%	4,088
Noncurrent loans to loans	1.3000%	4,769
Net loans and leases to total assets	79.6357%	1,252
Net loans and leases to deposits	124.2060%	146
Net loans and leases to core deposits	172.5437%	249
Total domestic deposits to total assets	64.1158%	7,762
Equity capital to assets	9.3820%	4,910
Core capital (leverage) ratio	8.9220%	4,776
Tier 1 risk-based capital ratio	12.0505%	4,926
Total risk-based capital ratio	13.0847%	5,064
Memoranda:
Average total assets	$251,163,750	2,616
Average earning assets	$230,541,750	2,612
Average equity	$22,592,250	2,903
Average total loans	$202,281,750	2,297
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.0711%	1,899
Cost of funding earning assets	2.5601%	1,403
Net interest margin	3.5110%	4,753
Noninterest income to average assets	0.8149%	2,337
Noninterest expense to average assets	2.4715%	6,218
Loan and lease loss provision to assets	0.4558%	3,249
Net operating income to assets	0.7438%	3,074
Return on assets (ROA)	0.8378%	2,804
Pretax return on assets	1.2500%	2,161
Return on Equity (ROE)	9.4475%	2,203
Retained earnings to average equity (ytd only)	4.9785%	2,521
Net charge-offs to loans	0.0000%	6,628
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	60.2003%	6,518
Assets per employee ($millions)	4.4039%	2,930
Cash dividends to net income (ytd only)*	47.3037%	2,147
Condition Ratios (%)
Loss allowance to loans	1.0798%	5,732
Loan loss allowance to noncurrent loans	86.4454%	3,282
Noncurrent assets plus other real estate owned to assets	1.4666%	4,041
Noncurrent loans to loans	1.2491%	4,709
Net loans and leases to total assets	80.3130%	1,256
Net loans and leases to deposits	128.4848%	131
Net loans and leases to core deposits	182.9161%	197
Total domestic deposits to total assets	62.5078%	7,875
Equity capital to assets	9.1497%	5,098
Core capital (leverage) ratio	8.8162%	4,919
Tier 1 risk-based capital ratio	11.8802%	5,017
Total risk-based capital ratio	13.0658%	5,001
Memoranda:
Average total assets	$252,315,670	2,609
Average earning assets	$231,557,000	2,616
Average equity	$22,376,330	2,930
Average total loans	$203,325,330	2,314
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1212%	1,865
Cost of funding earning assets	2.6441%	1,432
Net interest margin	3.4771%	4,818
Noninterest income to average assets	0.5581%	3,858
Noninterest expense to average assets	2.3608%	6,338
Loan and lease loss provision to assets	0.4311%	2,771
Net operating income to assets	0.6369%	3,855
Return on assets (ROA)	0.8700%	2,985
Pretax return on assets	1.3074%	2,259
Return on Equity (ROE)	9.9632%	2,334
Retained earnings to average equity (ytd only)	5.4753%	2,870
Net charge-offs to loans	0.2245%	3,295
Credit loss provision to net charge-offs	239.1304%	1,944
Earnings coverage of net charge-offs (x)	7.7130%	2,311
Efficiency ratio	62.0978%	6,032
Assets per employee ($millions)	4.4653%	2,779
Cash dividends to net income (ytd only)*	45.0450%	1,921
Condition Ratios (%)
Loss allowance to loans	0.8588%	6,918
Loan loss allowance to noncurrent loans	55.6760%	4,856
Noncurrent assets plus other real estate owned to assets	1.6340%	3,458
Noncurrent loans to loans	1.5425%	3,966
Net loans and leases to total assets	80.6045%	1,275
Net loans and leases to deposits	126.6864%	180
Net loans and leases to core deposits	187.3494%	195
Total domestic deposits to total assets	63.6252%	7,861
Equity capital to assets	8.9471%	5,417
Core capital (leverage) ratio	8.5837%	5,371
Tier 1 risk-based capital ratio	11.7032%	5,202
Total risk-based capital ratio	12.6590%	5,400
Memoranda:
Average total assets	$255,164,000	2,590
Average earning assets	$234,334,500	2,593
Average equity	$22,282,000	2,947
Average total loans	$204,873,500	2,318
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.2993%	3,966
Cost of funding earning assets	3.3631%	777
Net interest margin	2.9362%	7,061
Noninterest income to average assets	0.7380%	2,856
Noninterest expense to average assets	2.3948%	6,410
Loan and lease loss provision to assets	0.8351%	1,786
Net operating income to assets	0.1182%	6,060
Return on assets (ROA)	0.1311%	5,863
Pretax return on assets	0.2143%	5,700
Return on Equity (ROE)	1.4770%	5,777
Retained earnings to average equity (ytd only)	-2.9852%	6,104
Net charge-offs to loans	0.0056%	6,893
Credit loss provision to net charge-offs	19,163.6364%	32
Earnings coverage of net charge-offs (x)	236.1818%	202
Efficiency ratio	68.3675%	4,660
Assets per employee ($millions)	4.6477%	2,405
Cash dividends to net income (ytd only)*	302.1148%	194
Condition Ratios (%)
Loss allowance to loans	0.7683%	7,208
Loan loss allowance to noncurrent loans	66.0558%	4,711
Noncurrent assets plus other real estate owned to assets	1.3225%	3,572
Noncurrent loans to loans	1.1630%	4,202
Net loans and leases to total assets	78.7094%	1,955
Net loans and leases to deposits	130.4174%	207
Net loans and leases to core deposits	184.1180%	250
Total domestic deposits to total assets	60.3519%	7,955
Equity capital to assets	8.5261%	6,041
Core capital (leverage) ratio	8.0538%	6,401
Tier 1 risk-based capital ratio	11.1583%	5,589
Total risk-based capital ratio	12.0069%	5,856
Memoranda:
Average total assets	$252,423,200	2,541
Average earning assets	$230,914,600	2,544
Average equity	$22,410,800	2,923
Average total loans	$197,609,600	2,322