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First National Bank and Trust Company of Ardmore, Performance and Condition Ratios

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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	5.3052%	2,519
Cost of funding earning assets	1.9392%	2,370
Net interest margin	3.3659%	2,361
Noninterest income to average assets	0.7800%	955
Noninterest expense to average assets	2.9246%	1,278
Loan and lease loss provision to assets	0.0900%	1,528
Net operating income to assets	0.8760%	2,465
Return on assets (ROA)	0.8760%	2,480
Pretax return on assets	0.8760%	2,872
Return on Equity (ROE)	11.0500%	1,877
Retained earnings to average equity (ytd only)	1.2686%	3,606
Net charge-offs to loans	0.1542%	852
Credit loss provision to net charge-offs	100.7962%	1,880
Earnings coverage of net charge-offs (x)	10.3806%	2,274
Efficiency ratio	75.0888%	1,446
Assets per employee ($millions)	4.3287%	3,989
Cash dividends to net income (ytd only)*	88.5151%	408
Condition Ratios (%)
Loss allowance to loans	1.2737%	1,797
Loan loss allowance to noncurrent loans	758.2496%	903
Noncurrent assets plus other real estate owned to assets	0.1052%	2,959
Noncurrent loans to loans	0.1680%	2,838
Net loans and leases to total assets	61.8500%	2,775
Net loans and leases to deposits	77.0700%	2,360
Net loans and leases to core deposits	84.4148%	2,480
Total domestic deposits to total assets	80.2600%	3,532
Equity capital to assets	8.6105%	3,101
Core capital (leverage) ratio	9.5107%	3,212
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,791
Memoranda:
Average total assets	$671,884,800	1,388
Average earning assets	$622,618,400	1,386
Average equity	$53,288,200	1,649
Average total loans	$407,200,600	1,511
2024-09-30		Rank
Percentage of unprofitable institutions	0.0000%	305
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2655%	2,525
Cost of funding earning assets	1.9731%	2,279
Net interest margin	3.2924%	2,464
Noninterest income to average assets	0.7500%	990
Noninterest expense to average assets	2.9411%	1,190
Loan and lease loss provision to assets	0.1000%	1,278
Net operating income to assets	0.7637%	2,796
Return on assets (ROA)	0.7637%	2,807
Pretax return on assets	0.7637%	3,120
Return on Equity (ROE)	9.8400%	2,239
Retained earnings to average equity (ytd only)	0.2852%	3,898
Net charge-offs to loans	0.3020%	425
Credit loss provision to net charge-offs	56.9717%	2,004
Earnings coverage of net charge-offs (x)	4.7767%	2,418
Efficiency ratio	77.2314%	1,287
Assets per employee ($millions)	4.3723%	3,980
Cash dividends to net income (ytd only)*	97.0999%	276
Condition Ratios (%)
Loss allowance to loans	1.2017%	2,207
Loan loss allowance to noncurrent loans	736.8024%	936
Noncurrent assets plus other real estate owned to assets	0.0991%	3,029
Noncurrent loans to loans	0.1631%	2,895
Net loans and leases to total assets	60.0400%	2,921
Net loans and leases to deposits	75.7220%	2,544
Net loans and leases to core deposits	82.2731%	2,668
Total domestic deposits to total assets	79.2800%	3,568
Equity capital to assets	8.4902%	3,408
Core capital (leverage) ratio	9.2161%	3,548
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,827
Memoranda:
Average total assets	$674,282,000	1,381
Average earning assets	$625,744,500	1,373
Average equity	$52,353,500	1,661
Average total loans	$405,267,500	1,512
2024-06-30		Rank
Percentage of unprofitable institutions	0.0000%	306
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1868%	2,582
Cost of funding earning assets	1.9620%	2,218
Net interest margin	3.2248%	2,584
Noninterest income to average assets	0.7400%	995
Noninterest expense to average assets	2.9015%	1,254
Loan and lease loss provision to assets	0.1100%	1,067
Net operating income to assets	0.7156%	2,892
Return on assets (ROA)	0.7156%	2,912
Pretax return on assets	0.7156%	3,199
Return on Equity (ROE)	9.5100%	2,312
Retained earnings to average equity (ytd only)	-1.3013%	4,090
Net charge-offs to loans	0.0400%	1,404
Credit loss provision to net charge-offs	479.0123%	653
Earnings coverage of net charge-offs (x)	34.6543%	1,323
Efficiency ratio	77.7487%	1,316
Assets per employee ($millions)	4.3402%	3,986
Cash dividends to net income (ytd only)*	113.6833%	252
Condition Ratios (%)
Loss allowance to loans	1.3831%	1,438
Loan loss allowance to noncurrent loans	372.4667%	1,575
Noncurrent assets plus other real estate owned to assets	0.2215%	2,299
Noncurrent loans to loans	0.3713%	2,074
Net loans and leases to total assets	58.8300%	3,065
Net loans and leases to deposits	75.3002%	2,602
Net loans and leases to core deposits	81.1144%	2,738
Total domestic deposits to total assets	78.1300%	3,687
Equity capital to assets	7.5924%	3,687
Core capital (leverage) ratio	9.1148%	3,625
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,851
Memoranda:
Average total assets	$676,055,667	1,375
Average earning assets	$627,631,333	1,364
Average equity	$50,872,667	1,675
Average total loans	$404,855,667	1,512
2024-03-31		Rank
Percentage of unprofitable institutions	0.0000%	11
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1214%	2,552
Cost of funding earning assets	1.9626%	2,087
Net interest margin	3.1588%	2,648
Noninterest income to average assets	0.7400%	938
Noninterest expense to average assets	2.8599%	1,323
Loan and lease loss provision to assets	0.0200%	2,205
Net operating income to assets	0.7940%	2,559
Return on assets (ROA)	0.7940%	2,573
Pretax return on assets	0.7940%	2,941
Return on Equity (ROE)	10.6000%	1,953
Retained earnings to average equity (ytd only)	-3.2328%	4,021
Net charge-offs to loans	0.0444%	1,087
Credit loss provision to net charge-offs	84.4444%	1,267
Earnings coverage of net charge-offs (x)	30.6444%	1,165
Efficiency ratio	77.7903%	1,374
Assets per employee ($millions)	4.2861%	4,054
Cash dividends to net income (ytd only)*	130.4996%	363
Condition Ratios (%)
Loss allowance to loans	1.2893%	1,801
Loan loss allowance to noncurrent loans	741.6315%	1,025
Noncurrent assets plus other real estate owned to assets	0.1057%	2,922
Noncurrent loans to loans	0.1738%	2,752
Net loans and leases to total assets	59.9900%	2,861
Net loans and leases to deposits	76.7476%	2,361
Net loans and leases to core deposits	83.2974%	2,488
Total domestic deposits to total assets	78.1700%	3,778
Equity capital to assets	7.4437%	3,708
Core capital (leverage) ratio	9.0407%	3,678
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,874
Memoranda:
Average total assets	$675,545,500	1,376
Average earning assets	$627,954,000	1,369
Average equity	$50,606,000	1,674
Average total loans	$405,311,500	1,502
2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6335%	2,820
Cost of funding earning assets	1.6658%	1,526
Net interest margin	2.9677%	3,363
Noninterest income to average assets	0.7500%	1,059
Noninterest expense to average assets	2.7509%	1,627
Loan and lease loss provision to assets	0.0000%	3,179
Net operating income to assets	0.7569%	3,024
Return on assets (ROA)	0.7256%	3,097
Pretax return on assets	0.7256%	3,383
Return on Equity (ROE)	10.2500%	2,420
Retained earnings to average equity (ytd only)	0.8674%	3,862
Net charge-offs to loans	0.0372%	1,562
Credit loss provision to net charge-offs	0.0000%	2,397
Earnings coverage of net charge-offs (x)	36.3688%	1,506
Efficiency ratio	78.4230%	1,033
Assets per employee ($millions)	4.2922%	4,049
Cash dividends to net income (ytd only)*	91.5378%	361
Condition Ratios (%)
Loss allowance to loans	1.3146%	1,703
Loan loss allowance to noncurrent loans	3,384.6154%	334
Noncurrent assets plus other real estate owned to assets	0.0230%	3,561
Noncurrent loans to loans	0.0388%	3,446
Net loans and leases to total assets	58.4500%	2,995
Net loans and leases to deposits	76.2261%	2,433
Net loans and leases to core deposits	81.3909%	2,628
Total domestic deposits to total assets	76.6800%	3,875
Equity capital to assets	7.5382%	3,699
Core capital (leverage) ratio	9.1584%	3,576
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,896
Memoranda:
Average total assets	$677,528,000	1,337
Average earning assets	$629,434,200	1,321
Average equity	$47,958,200	1,659
Average total loans	$379,435,200	1,524
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5042%	2,905
Cost of funding earning assets	1.6238%	1,329
Net interest margin	2.8804%	3,586
Noninterest income to average assets	0.7500%	1,046
Noninterest expense to average assets	2.7153%	1,616
Loan and lease loss provision to assets	0.0000%	2,992
Net operating income to assets	0.7082%	3,302
Return on assets (ROA)	0.6665%	3,384
Pretax return on assets	0.6665%	3,610
Return on Equity (ROE)	9.5700%	2,778
Retained earnings to average equity (ytd only)	1.0911%	3,932
Net charge-offs to loans	0.0407%	1,308
Credit loss provision to net charge-offs	0.0000%	2,098
Earnings coverage of net charge-offs (x)	31.5614%	1,567
Efficiency ratio	79.3135%	903
Assets per employee ($millions)	4.2909%	4,049
Cash dividends to net income (ytd only)*	88.6001%	340
Condition Ratios (%)
Loss allowance to loans	1.3826%	1,518
Loan loss allowance to noncurrent loans	3,216.3636%	344
Noncurrent assets plus other real estate owned to assets	0.0243%	3,570
Noncurrent loans to loans	0.0430%	3,454
Net loans and leases to total assets	55.8400%	3,217
Net loans and leases to deposits	70.5488%	2,804
Net loans and leases to core deposits	75.6932%	2,888
Total domestic deposits to total assets	79.1400%	3,671
Equity capital to assets	6.7179%	3,744
Core capital (leverage) ratio	9.1478%	3,637
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,911
Memoranda:
Average total assets	$677,366,750	1,336
Average earning assets	$629,289,750	1,325
Average equity	$47,167,250	1,666
Average total loans	$373,881,750	1,535
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3964%	2,892
Cost of funding earning assets	1.5631%	1,140
Net interest margin	2.8333%	3,774
Noninterest income to average assets	0.7400%	999
Noninterest expense to average assets	2.6962%	1,650
Loan and lease loss provision to assets	0.0000%	2,857
Net operating income to assets	0.6755%	3,396
Return on assets (ROA)	0.6128%	3,550
Pretax return on assets	0.6128%	3,778
Return on Equity (ROE)	8.7000%	3,062
Retained earnings to average equity (ytd only)	2.4105%	3,620
Net charge-offs to loans	0.0157%	1,614
Credit loss provision to net charge-offs	0.0000%	1,862
Earnings coverage of net charge-offs (x)	78.8621%	1,060
Efficiency ratio	79.9667%	842
Assets per employee ($millions)	4.2824%	4,066
Cash dividends to net income (ytd only)*	72.2892%	696
Condition Ratios (%)
Loss allowance to loans	1.4363%	1,400
Loan loss allowance to noncurrent loans	5,502.0408%	239
Noncurrent assets plus other real estate owned to assets	0.0144%	3,694
Noncurrent loans to loans	0.0261%	3,571
Net loans and leases to total assets	54.3400%	3,245
Net loans and leases to deposits	70.5247%	2,745
Net loans and leases to core deposits	74.7017%	2,844
Total domestic deposits to total assets	77.0500%	3,948
Equity capital to assets	6.9495%	3,821
Core capital (leverage) ratio	9.1309%	3,629
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,936
Memoranda:
Average total assets	$677,167,667	1,334
Average earning assets	$628,884,333	1,327
Average equity	$47,708,000	1,655
Average total loans	$370,559,000	1,532
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2921%	2,818
Cost of funding earning assets	1.4592%	922
Net interest margin	2.8329%	3,901
Noninterest income to average assets	0.7400%	989
Noninterest expense to average assets	2.7454%	1,557
Loan and lease loss provision to assets	0.0000%	2,553
Net operating income to assets	0.6273%	3,641
Return on assets (ROA)	0.5017%	3,858
Pretax return on assets	0.5017%	3,988
Return on Equity (ROE)	7.0700%	3,499
Retained earnings to average equity (ytd only)	2.8976%	3,529
Net charge-offs to loans	0.0087%	1,620
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	132.3750%	658
Efficiency ratio	81.4015%	744
Assets per employee ($millions)	4.1635%	4,185
Cash dividends to net income (ytd only)*	59.0319%	985
Condition Ratios (%)
Loss allowance to loans	1.4577%	1,408
Loan loss allowance to noncurrent loans	3,128.9017%	418
Noncurrent assets plus other real estate owned to assets	0.0256%	3,529
Noncurrent loans to loans	0.0466%	3,403
Net loans and leases to total assets	54.2500%	3,182
Net loans and leases to deposits	69.8507%	2,621
Net loans and leases to core deposits	73.2315%	2,737
Total domestic deposits to total assets	77.6700%	4,036
Equity capital to assets	7.2323%	3,713
Core capital (leverage) ratio	9.0623%	3,680
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,020
Memoranda:
Average total assets	$675,304,000	1,350
Average earning assets	$627,196,500	1,349
Average equity	$47,902,500	1,662
Average total loans	$368,137,500	1,555
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8806%	2,034
Cost of funding earning assets	0.4230%	1,919
Net interest margin	3.4576%	2,073
Noninterest income to average assets	0.7500%	1,126
Noninterest expense to average assets	2.8568%	1,205
Loan and lease loss provision to assets	0.0000%	2,926
Net operating income to assets	1.1109%	2,121
Return on assets (ROA)	1.1109%	2,056
Pretax return on assets	1.1109%	2,732
Return on Equity (ROE)	14.8800%	1,284
Retained earnings to average equity (ytd only)	12.5149%	584
Net charge-offs to loans	0.0125%	1,915
Credit loss provision to net charge-offs	0.0000%	1,979
Earnings coverage of net charge-offs (x)	164.3182%	742
Efficiency ratio	72.0017%	1,441
Assets per employee ($millions)	4.1995%	4,202
Cash dividends to net income (ytd only)*	15.9059%	3,038
Condition Ratios (%)
Loss allowance to loans	1.5266%	1,128
Loan loss allowance to noncurrent loans	1,894.8980%	623
Noncurrent assets plus other real estate owned to assets	0.0435%	3,372
Noncurrent loans to loans	0.0806%	3,182
Net loans and leases to total assets	53.1500%	3,270
Net loans and leases to deposits	68.1957%	2,717
Net loans and leases to core deposits	70.6816%	2,826
Total domestic deposits to total assets	77.9400%	4,101
Equity capital to assets	6.9550%	3,694
Core capital (leverage) ratio	9.1277%	3,559
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,055
Memoranda:
Average total assets	$650,834,800	1,375
Average earning assets	$604,951,800	1,376
Average equity	$48,582,000	1,660
Average total loans	$351,543,400	1,542
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7916%	1,787
Cost of funding earning assets	0.2366%	2,851
Net interest margin	3.5549%	1,505
Noninterest income to average assets	0.7600%	1,126
Noninterest expense to average assets	2.7811%	1,281
Loan and lease loss provision to assets	0.0000%	2,752
Net operating income to assets	1.2888%	1,391
Return on assets (ROA)	1.2888%	1,360
Pretax return on assets	1.2888%	2,086
Return on Equity (ROE)	16.9600%	798
Retained earnings to average equity (ytd only)	15.8728%	289
Net charge-offs to loans	0.0100%	1,756
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	239.6154%	555
Efficiency ratio	68.3338%	1,973
Assets per employee ($millions)	4.3401%	4,156
Cash dividends to net income (ytd only)*	6.4205%	2,946
Condition Ratios (%)
Loss allowance to loans	1.5839%	1,099
Loan loss allowance to noncurrent loans	3,676.9737%	358
Noncurrent assets plus other real estate owned to assets	0.0226%	3,720
Noncurrent loans to loans	0.0431%	3,577
Net loans and leases to total assets	51.6200%	3,318
Net loans and leases to deposits	61.9001%	3,027
Net loans and leases to core deposits	63.9798%	3,121
Total domestic deposits to total assets	83.4000%	3,624
Equity capital to assets	6.4358%	3,773
Core capital (leverage) ratio	9.1695%	3,427
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,120
Memoranda:
Average total assets	$644,514,500	1,390
Average earning assets	$599,492,250	1,391
Average equity	$48,971,500	1,666
Average total loans	$348,194,750	1,547
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7311%	1,469
Cost of funding earning assets	0.1278%	3,869
Net interest margin	3.6033%	1,060
Noninterest income to average assets	0.7658%	1,139
Noninterest expense to average assets	2.7960%	1,183
Loan and lease loss provision to assets	0.0000%	2,599
Net operating income to assets	1.3169%	1,095
Return on assets (ROA)	1.3169%	1,074
Pretax return on assets	1.3169%	1,691
Return on Equity (ROE)	16.4439%	642
Retained earnings to average equity (ytd only)	14.8710%	275
Net charge-offs to loans	-0.0127%	3,685
Credit loss provision to net charge-offs	0.0000%	1,663
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.9810%	2,247
Assets per employee ($millions)	4.2573%	4,233
Cash dividends to net income (ytd only)*	9.5648%	2,775
Condition Ratios (%)
Loss allowance to loans	1.6735%	1,002
Loan loss allowance to noncurrent loans	2,935.9375%	395
Noncurrent assets plus other real estate owned to assets	0.0293%	3,687
Noncurrent loans to loans	0.0570%	3,526
Net loans and leases to total assets	50.5180%	3,320
Net loans and leases to deposits	59.6999%	3,072
Net loans and leases to core deposits	61.9675%	3,120
Total domestic deposits to total assets	84.6198%	3,565
Equity capital to assets	6.8307%	3,851
Core capital (leverage) ratio	9.2171%	3,220
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$635,116,667	1,422
Average earning assets	$589,960,333	1,433
Average equity	$50,864,000	1,656
Average total loans	$346,637,333	1,543
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8389%	1,022
Cost of funding earning assets	0.1134%	3,968
Net interest margin	3.7255%	717
Noninterest income to average assets	0.7823%	1,084
Noninterest expense to average assets	2.8211%	1,120
Loan and lease loss provision to assets	0.0000%	2,285
Net operating income to assets	1.4301%	741
Return on assets (ROA)	1.4301%	742
Pretax return on assets	1.4301%	1,180
Return on Equity (ROE)	16.5776%	470
Retained earnings to average equity (ytd only)	13.6094%	408
Net charge-offs to loans	-0.0284%	4,063
Credit loss provision to net charge-offs	0.0000%	1,336
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	66.3605%	2,722
Assets per employee ($millions)	4.1180%	4,351
Cash dividends to net income (ytd only)*	17.9051%	2,025
Condition Ratios (%)
Loss allowance to loans	1.6118%	1,243
Loan loss allowance to noncurrent loans	706.7669%	1,172
Noncurrent assets plus other real estate owned to assets	0.1258%	2,920
Noncurrent loans to loans	0.2280%	2,683
Net loans and leases to total assets	54.2892%	2,720
Net loans and leases to deposits	64.3524%	2,496
Net loans and leases to core deposits	67.1965%	2,524
Total domestic deposits to total assets	84.3623%	3,686
Equity capital to assets	7.9941%	3,577
Core capital (leverage) ratio	9.2983%	3,005
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$624,863,000	1,443
Average earning assets	$581,826,500	1,448
Average equity	$53,904,000	1,625
Average total loans	$351,533,500	1,516
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9382%	1,522
Cost of funding earning assets	0.1521%	3,948
Net interest margin	3.7861%	1,039
Noninterest income to average assets	0.7471%	1,606
Noninterest expense to average assets	3.0091%	964
Loan and lease loss provision to assets	0.0581%	1,899
Net operating income to assets	1.1981%	1,931
Return on assets (ROA)	1.1981%	1,982
Pretax return on assets	1.1981%	2,667
Return on Equity (ROE)	13.4997%	1,308
Retained earnings to average equity (ytd only)	1.2298%	4,198
Net charge-offs to loans	0.0730%	1,060
Credit loss provision to net charge-offs	133.5878%	1,558
Earnings coverage of net charge-offs (x)	28.9046%	1,630
Efficiency ratio	70.5491%	1,673
Assets per employee ($millions)	3.9459%	4,443
Cash dividends to net income (ytd only)*	90.8902%	320
Condition Ratios (%)
Loss allowance to loans	1.5900%	1,285
Loan loss allowance to noncurrent loans	870.5426%	954
Noncurrent assets plus other real estate owned to assets	0.1048%	3,199
Noncurrent loans to loans	0.1826%	3,029
Net loans and leases to total assets	56.4573%	2,547
Net loans and leases to deposits	66.9519%	2,413
Net loans and leases to core deposits	70.0509%	2,439
Total domestic deposits to total assets	84.3251%	3,467
Equity capital to assets	9.2781%	3,342
Core capital (leverage) ratio	9.2387%	3,125
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$602,872,200	1,446
Average earning assets	$560,201,000	1,453
Average equity	$53,505,000	1,666
Average total loans	$359,048,400	1,492
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9908%	1,554
Cost of funding earning assets	0.1637%	3,982
Net interest margin	3.8270%	1,063
Noninterest income to average assets	0.7357%	1,708
Noninterest expense to average assets	2.9881%	999
Loan and lease loss provision to assets	0.0779%	1,510
Net operating income to assets	1.1968%	2,182
Return on assets (ROA)	1.1968%	2,237
Pretax return on assets	1.2246%	2,851
Return on Equity (ROE)	13.6439%	1,503
Retained earnings to average equity (ytd only)	-2.9959%	4,748
Net charge-offs to loans	0.0370%	1,342
Credit loss provision to net charge-offs	350.0000%	929
Earnings coverage of net charge-offs (x)	58.5800%	1,145
Efficiency ratio	69.6445%	1,639
Assets per employee ($millions)	3.8477%	4,524
Cash dividends to net income (ytd only)*	121.9580%	91
Condition Ratios (%)
Loss allowance to loans	1.6350%	1,254
Loan loss allowance to noncurrent loans	318.2920%	1,905
Noncurrent assets plus other real estate owned to assets	0.3004%	2,271
Noncurrent loans to loans	0.5137%	2,019
Net loans and leases to total assets	57.5348%	2,553
Net loans and leases to deposits	68.6704%	2,376
Net loans and leases to core deposits	71.9465%	2,429
Total domestic deposits to total assets	83.7840%	3,512
Equity capital to assets	8.5083%	4,209
Core capital (leverage) ratio	9.0159%	3,533
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$599,700,500	1,465
Average earning assets	$557,039,750	1,473
Average equity	$52,603,250	1,710
Average total loans	$360,524,750	1,518
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9158%	1,774
Cost of funding earning assets	0.1800%	3,947
Net interest margin	3.7358%	1,251
Noninterest income to average assets	0.7255%	1,732
Noninterest expense to average assets	2.9443%	1,076
Loan and lease loss provision to assets	0.1003%	1,264
Net operating income to assets	1.1139%	2,491
Return on assets (ROA)	1.1139%	2,558
Pretax return on assets	1.1504%	3,056
Return on Equity (ROE)	12.5724%	1,866
Retained earnings to average equity (ytd only)	3.1393%	3,800
Net charge-offs to loans	0.0501%	1,120
Credit loss provision to net charge-offs	329.6703%	854
Earnings coverage of net charge-offs (x)	41.1099%	1,150
Efficiency ratio	70.1865%	1,612
Assets per employee ($millions)	3.9971%	4,447
Cash dividends to net income (ytd only)*	75.0300%	576
Condition Ratios (%)
Loss allowance to loans	1.5863%	1,309
Loan loss allowance to noncurrent loans	297.8193%	1,902
Noncurrent assets plus other real estate owned to assets	0.3149%	2,342
Noncurrent loans to loans	0.5327%	2,075
Net loans and leases to total assets	58.1883%	2,647
Net loans and leases to deposits	69.8130%	2,432
Net loans and leases to core deposits	72.1864%	2,588
Total domestic deposits to total assets	83.3487%	3,624
Equity capital to assets	8.6716%	4,076
Core capital (leverage) ratio	9.2226%	3,198
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$598,235,667	1,464
Average earning assets	$555,591,000	1,471
Average equity	$53,005,000	1,695
Average total loans	$362,919,000	1,513
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8309%	2,009
Cost of funding earning assets	0.1959%	3,948
Net interest margin	3.6350%	1,488
Noninterest income to average assets	0.7221%	1,798
Noninterest expense to average assets	2.9433%	1,077
Loan and lease loss provision to assets	0.1014%	1,329
Net operating income to assets	1.0237%	2,730
Return on assets (ROA)	1.0237%	2,811
Pretax return on assets	1.0521%	3,229
Return on Equity (ROE)	11.4281%	2,208
Retained earnings to average equity (ytd only)	1.9928%	4,007
Net charge-offs to loans	0.0924%	728
Credit loss provision to net charge-offs	178.5714%	927
Earnings coverage of net charge-offs (x)	20.3095%	1,249
Efficiency ratio	71.8435%	1,512
Assets per employee ($millions)	4.0136%	4,471
Cash dividends to net income (ytd only)*	82.5627%	558
Condition Ratios (%)
Loss allowance to loans	1.5410%	1,456
Loan loss allowance to noncurrent loans	186.4955%	2,484
Noncurrent assets plus other real estate owned to assets	0.4948%	1,907
Noncurrent loans to loans	0.8263%	1,620
Net loans and leases to total assets	58.9628%	2,675
Net loans and leases to deposits	69.6401%	2,545
Net loans and leases to core deposits	73.5190%	2,556
Total domestic deposits to total assets	84.6678%	3,232
Equity capital to assets	8.6003%	4,046
Core capital (leverage) ratio	9.5276%	3,013
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$591,578,000	1,464
Average earning assets	$549,221,000	1,473
Average equity	$52,992,000	1,683
Average total loans	$363,585,000	1,513
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0175%	2,674
Cost of funding earning assets	0.4039%	3,557
Net interest margin	3.6136%	2,094
Noninterest income to average assets	0.7612%	1,653
Noninterest expense to average assets	2.9468%	1,551
Loan and lease loss provision to assets	0.1542%	2,443
Net operating income to assets	1.0066%	2,266
Return on assets (ROA)	1.0119%	2,393
Pretax return on assets	1.0119%	3,005
Return on Equity (ROE)	10.4409%	1,832
Retained earnings to average equity (ytd only)	2.3746%	3,676
Net charge-offs to loans	0.0039%	3,224
Credit loss provision to net charge-offs	6,285.7143%	174
Earnings coverage of net charge-offs (x)	473.0714%	247
Efficiency ratio	71.7389%	1,711
Assets per employee ($millions)	3.8219%	4,490
Cash dividends to net income (ytd only)*	77.2562%	731
Condition Ratios (%)
Loss allowance to loans	1.5174%	1,524
Loan loss allowance to noncurrent loans	77.0636%	3,641
Noncurrent assets plus other real estate owned to assets	1.2428%	680
Noncurrent loans to loans	1.9691%	592
Net loans and leases to total assets	62.1560%	2,588
Net loans and leases to deposits	74.2499%	2,462
Net loans and leases to core deposits	77.9575%	2,555
Total domestic deposits to total assets	83.7119%	3,198
Equity capital to assets	9.3332%	3,762
Core capital (leverage) ratio	9.7605%	2,830
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$570,526,200	1,396
Average earning assets	$528,333,400	1,395
Average equity	$55,292,400	1,553
Average total loans	$360,395,600	1,478
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0292%	2,893
Cost of funding earning assets	0.4618%	3,458
Net interest margin	3.5674%	2,367
Noninterest income to average assets	0.7512%	1,643
Noninterest expense to average assets	2.8919%	1,723
Loan and lease loss provision to assets	0.1499%	2,523
Net operating income to assets	1.0113%	2,302
Return on assets (ROA)	1.0162%	2,402
Pretax return on assets	1.0162%	3,010
Return on Equity (ROE)	10.3885%	1,877
Retained earnings to average equity (ytd only)	3.5603%	3,277
Net charge-offs to loans	0.0122%	2,673
Credit loss provision to net charge-offs	1,939.3939%	489
Earnings coverage of net charge-offs (x)	150.1515%	600
Efficiency ratio	71.3484%	1,715
Assets per employee ($millions)	3.9014%	4,405
Cash dividends to net income (ytd only)*	65.7288%	938
Condition Ratios (%)
Loss allowance to loans	1.4143%	1,678
Loan loss allowance to noncurrent loans	139.9575%	2,814
Noncurrent assets plus other real estate owned to assets	0.6475%	1,797
Noncurrent loans to loans	1.0105%	1,476
Net loans and leases to total assets	63.1690%	2,865
Net loans and leases to deposits	75.9634%	2,755
Net loans and leases to core deposits	80.1297%	2,830
Total domestic deposits to total assets	83.1572%	3,103
Equity capital to assets	9.9939%	3,228
Core capital (leverage) ratio	9.7054%	3,024
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$568,881,750	1,373
Average earning assets	$526,577,250	1,383
Average equity	$55,650,000	1,524
Average total loans	$359,436,500	1,476
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1060%	3,038
Cost of funding earning assets	0.5515%	3,230
Net interest margin	3.5545%	2,622
Noninterest income to average assets	0.7412%	1,609
Noninterest expense to average assets	2.8930%	1,843
Loan and lease loss provision to assets	0.1417%	2,595
Net operating income to assets	0.9913%	2,356
Return on assets (ROA)	0.9983%	2,460
Pretax return on assets	0.9983%	3,037
Return on Equity (ROE)	10.2818%	1,894
Retained earnings to average equity (ytd only)	3.3519%	3,251
Net charge-offs to loans	0.0130%	2,502
Credit loss provision to net charge-offs	1,739.1304%	543
Earnings coverage of net charge-offs (x)	139.0870%	558
Efficiency ratio	71.8596%	1,701
Assets per employee ($millions)	3.9876%	4,328
Cash dividends to net income (ytd only)*	67.3998%	1,015
Condition Ratios (%)
Loss allowance to loans	1.3600%	1,726
Loan loss allowance to noncurrent loans	152.2054%	2,589
Noncurrent assets plus other real estate owned to assets	0.5647%	2,111
Noncurrent loans to loans	0.8935%	1,710
Net loans and leases to total assets	62.3364%	3,090
Net loans and leases to deposits	76.4859%	2,805
Net loans and leases to core deposits	80.1226%	2,939
Total domestic deposits to total assets	81.5005%	3,498
Equity capital to assets	9.7927%	3,374
Core capital (leverage) ratio	9.4669%	3,391
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$564,737,333	1,363
Average earning assets	$521,872,667	1,371
Average equity	$54,834,667	1,529
Average total loans	$355,089,000	1,475
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2174%	3,162
Cost of funding earning assets	0.6951%	2,956
Net interest margin	3.5223%	2,901
Noninterest income to average assets	0.7841%	1,354
Noninterest expense to average assets	2.9645%	1,972
Loan and lease loss provision to assets	0.1155%	2,239
Net operating income to assets	0.9603%	2,316
Return on assets (ROA)	0.9747%	2,369
Pretax return on assets	0.9747%	2,917
Return on Equity (ROE)	10.0839%	1,722
Retained earnings to average equity (ytd only)	2.9878%	3,087
Net charge-offs to loans	0.0368%	1,683
Credit loss provision to net charge-offs	500.0000%	869
Earnings coverage of net charge-offs (x)	46.5625%	950
Efficiency ratio	73.3738%	1,897
Assets per employee ($millions)	3.7206%	4,254
Cash dividends to net income (ytd only)*	70.3704%	1,196
Condition Ratios (%)
Loss allowance to loans	1.3944%	1,721
Loan loss allowance to noncurrent loans	92.9181%	3,348
Noncurrent assets plus other real estate owned to assets	0.9202%	1,452
Noncurrent loans to loans	1.5007%	1,067
Net loans and leases to total assets	60.2775%	3,467
Net loans and leases to deposits	72.9835%	3,360
Net loans and leases to core deposits	79.1852%	3,272
Total domestic deposits to total assets	82.5905%	3,238
Equity capital to assets	9.5122%	4,209
Core capital (leverage) ratio	10.0536%	3,404
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$554,016,500	1,349
Average earning assets	$512,162,500	1,346
Average equity	$53,550,500	1,556
Average total loans	$347,413,000	1,462
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5354%	2,824
Cost of funding earning assets	0.8120%	2,624
Net interest margin	3.7234%	2,745
Noninterest income to average assets	0.8260%	1,367
Noninterest expense to average assets	2.9743%	2,080
Loan and lease loss provision to assets	0.0920%	2,191
Net operating income to assets	1.2211%	1,977
Return on assets (ROA)	1.2252%	2,056
Pretax return on assets	1.2252%	2,749
Return on Equity (ROE)	12.4792%	1,334
Retained earnings to average equity (ytd only)	5.3490%	2,249
Net charge-offs to loans	0.0232%	2,943
Credit loss provision to net charge-offs	618.7500%	502
Earnings coverage of net charge-offs (x)	88.3250%	741
Efficiency ratio	69.3728%	2,269
Assets per employee ($millions)	3.6659%	4,296
Cash dividends to net income (ytd only)*	57.1364%	1,701
Condition Ratios (%)
Loss allowance to loans	1.3265%	1,809
Loan loss allowance to noncurrent loans	91.3563%	3,414
Noncurrent assets plus other real estate owned to assets	0.9341%	1,360
Noncurrent loans to loans	1.4520%	1,005
Net loans and leases to total assets	63.4780%	3,259
Net loans and leases to deposits	76.7864%	3,108
Net loans and leases to core deposits	83.4066%	3,006
Total domestic deposits to total assets	82.6683%	3,314
Equity capital to assets	9.8239%	4,085
Core capital (leverage) ratio	9.9483%	3,571
Tier 1 risk-based capital ratio	14.1163%	3,208
Total risk-based capital ratio	15.3294%	3,137
Memoranda:
Average total assets	$538,110,600	1,334
Average earning assets	$500,238,600	1,330
Average equity	$52,832,000	1,521
Average total loans	$344,306,200	1,444
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5317%	2,957
Cost of funding earning assets	0.7997%	2,721
Net interest margin	3.7321%	2,817
Noninterest income to average assets	0.8347%	1,314
Noninterest expense to average assets	3.0176%	1,925
Loan and lease loss provision to assets	0.1007%	1,907
Net operating income to assets	1.1869%	2,244
Return on assets (ROA)	1.1869%	2,319
Pretax return on assets	1.1869%	3,020
Return on Equity (ROE)	12.0903%	1,589
Retained earnings to average equity (ytd only)	4.9532%	2,910
Net charge-offs to loans	0.0160%	2,834
Credit loss provision to net charge-offs	987.8049%	360
Earnings coverage of net charge-offs (x)	126.2574%	624
Efficiency ratio	70.0924%	2,098
Assets per employee ($millions)	3.8280%	4,133
Cash dividends to net income (ytd only)*	59.0319%	1,323
Condition Ratios (%)
Loss allowance to loans	1.3106%	1,925
Loan loss allowance to noncurrent loans	129.2040%	2,880
Noncurrent assets plus other real estate owned to assets	0.6384%	2,088
Noncurrent loans to loans	1.0144%	1,578
Net loans and leases to total assets	62.1114%	3,486
Net loans and leases to deposits	77.5132%	3,151
Net loans and leases to core deposits	83.8941%	3,103
Total domestic deposits to total assets	80.1301%	3,968
Equity capital to assets	9.7841%	4,221
Core capital (leverage) ratio	9.7536%	3,904
Tier 1 risk-based capital ratio	13.9245%	3,366
Total risk-based capital ratio	15.1273%	3,301
Memoranda:
Average total assets	$536,083,750	1,343
Average earning assets	$498,514,750	1,340
Average equity	$52,625,000	1,528
Average total loans	$342,535,500	1,463
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4952%	3,030
Cost of funding earning assets	0.7447%	2,919
Net interest margin	3.7505%	2,751
Noninterest income to average assets	0.8235%	1,270
Noninterest expense to average assets	3.0241%	1,934
Loan and lease loss provision to assets	0.1022%	1,829
Net operating income to assets	1.1887%	2,190
Return on assets (ROA)	1.1887%	2,254
Pretax return on assets	1.1887%	2,943
Return on Equity (ROE)	12.0949%	1,541
Retained earnings to average equity (ytd only)	4.8287%	2,849
Net charge-offs to loans	0.0171%	2,542
Credit loss provision to net charge-offs	931.0345%	367
Earnings coverage of net charge-offs (x)	117.6207%	616
Efficiency ratio	70.0842%	2,211
Assets per employee ($millions)	3.9384%	3,954
Cash dividends to net income (ytd only)*	60.0764%	1,406
Condition Ratios (%)
Loss allowance to loans	1.2701%	2,135
Loan loss allowance to noncurrent loans	120.9108%	3,007
Noncurrent assets plus other real estate owned to assets	0.6730%	2,031
Noncurrent loans to loans	1.0504%	1,558
Net loans and leases to total assets	63.2612%	3,424
Net loans and leases to deposits	78.7971%	3,081
Net loans and leases to core deposits	84.3625%	3,078
Total domestic deposits to total assets	80.2836%	3,975
Equity capital to assets	9.7364%	4,205
Core capital (leverage) ratio	9.9449%	3,647
Tier 1 risk-based capital ratio	13.8399%	3,400
Total risk-based capital ratio	15.0190%	3,334
Memoranda:
Average total assets	$528,483,000	1,358
Average earning assets	$491,986,330	1,353
Average equity	$51,939,330	1,539
Average total loans	$339,466,670	1,477
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4260%	3,128
Cost of funding earning assets	0.7186%	2,951
Net interest margin	3.7075%	2,866
Noninterest income to average assets	0.8216%	1,235
Noninterest expense to average assets	3.0211%	1,936
Loan and lease loss provision to assets	0.1044%	1,696
Net operating income to assets	1.1489%	2,277
Return on assets (ROA)	1.1489%	2,324
Pretax return on assets	1.1489%	2,982
Return on Equity (ROE)	11.6318%	1,679
Retained earnings to average equity (ytd only)	4.1357%	3,263
Net charge-offs to loans	0.0229%	1,985
Credit loss provision to net charge-offs	710.5263%	482
Earnings coverage of net charge-offs (x)	85.2632%	730
Efficiency ratio	70.6787%	2,243
Assets per employee ($millions)	3.7105%	4,332
Cash dividends to net income (ytd only)*	64.4444%	1,240
Condition Ratios (%)
Loss allowance to loans	1.2992%	2,097
Loan loss allowance to noncurrent loans	96.9764%	3,421
Noncurrent assets plus other real estate owned to assets	0.8597%	1,648
Noncurrent loans to loans	1.3397%	1,214
Net loans and leases to total assets	63.3422%	3,368
Net loans and leases to deposits	78.1068%	3,045
Net loans and leases to core deposits	84.3628%	2,991
Total domestic deposits to total assets	81.0969%	3,952
Equity capital to assets	9.8913%	3,928
Core capital (leverage) ratio	10.1710%	3,421
Tier 1 risk-based capital ratio	14.4217%	3,134
Total risk-based capital ratio	15.6329%	3,080
Memoranda:
Average total assets	$517,038,000	1,394
Average earning assets	$481,516,000	1,388
Average equity	$51,067,000	1,551
Average total loans	$332,554,000	1,510
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3172%	3,053
Cost of funding earning assets	0.5629%	2,970
Net interest margin	3.7543%	2,841
Noninterest income to average assets	0.8770%	1,243
Noninterest expense to average assets	2.9381%	2,220
Loan and lease loss provision to assets	0.0979%	2,218
Net operating income to assets	1.3415%	1,651
Return on assets (ROA)	1.3110%	1,734
Pretax return on assets	1.3110%	2,455
Return on Equity (ROE)	13.8246%	1,086
Retained earnings to average equity (ytd only)	6.5583%	1,892
Net charge-offs to loans	0.0432%	2,549
Credit loss provision to net charge-offs	373.1343%	861
Earnings coverage of net charge-offs (x)	54.8731%	1,081
Efficiency ratio	67.1183%	2,690
Assets per employee ($millions)	3.8127%	4,161
Cash dividends to net income (ytd only)*	52.5608%	1,833
Condition Ratios (%)
Loss allowance to loans	1.2892%	2,099
Loan loss allowance to noncurrent loans	3,266.1538%	247
Noncurrent assets plus other real estate owned to assets	0.0254%	4,741
Noncurrent loans to loans	0.0395%	4,580
Net loans and leases to total assets	63.6345%	3,393
Net loans and leases to deposits	79.0736%	3,045
Net loans and leases to core deposits	85.2138%	2,983
Total domestic deposits to total assets	80.4751%	4,004
Equity capital to assets	9.8621%	3,804
Core capital (leverage) ratio	9.9999%	3,576
Tier 1 risk-based capital ratio	14.3935%	3,116
Total risk-based capital ratio	15.5822%	3,064
Memoranda:
Average total assets	$510,836,800	1,379
Average earning assets	$476,303,800	1,370
Average equity	$48,442,600	1,558
Average total loans	$310,413,800	1,553
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2242%	3,230
Cost of funding earning assets	0.5202%	3,062
Net interest margin	3.7040%	3,007
Noninterest income to average assets	0.8848%	1,235
Noninterest expense to average assets	2.9353%	2,211
Loan and lease loss provision to assets	0.0822%	2,306
Net operating income to assets	1.3223%	1,772
Return on assets (ROA)	1.3126%	1,815
Pretax return on assets	1.3126%	2,567
Return on Equity (ROE)	13.9816%	1,129
Retained earnings to average equity (ytd only)	6.6419%	2,312
Net charge-offs to loans	0.0558%	2,020
Credit loss provision to net charge-offs	246.0938%	1,196
Earnings coverage of net charge-offs (x)	42.0397%	1,314
Efficiency ratio	67.6370%	2,607
Assets per employee ($millions)	3.9445%	3,978
Cash dividends to net income (ytd only)*	52.4955%	1,498
Condition Ratios (%)
Loss allowance to loans	1.2418%	2,398
Loan loss allowance to noncurrent loans	1,570.2703%	404
Noncurrent assets plus other real estate owned to assets	0.0501%	4,716
Noncurrent loans to loans	0.0791%	4,525
Net loans and leases to total assets	62.5934%	3,588
Net loans and leases to deposits	77.4024%	3,290
Net loans and leases to core deposits	85.8770%	3,001
Total domestic deposits to total assets	80.8676%	3,901
Equity capital to assets	9.3907%	4,189
Core capital (leverage) ratio	9.9080%	3,732
Tier 1 risk-based capital ratio	14.2992%	3,212
Total risk-based capital ratio	15.4480%	3,186
Memoranda:
Average total assets	$510,821,750	1,381
Average earning assets	$476,479,000	1,375
Average equity	$47,957,000	1,569
Average total loans	$305,679,000	1,580
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1521%	3,270
Cost of funding earning assets	0.4710%	3,216
Net interest margin	3.6811%	3,007
Noninterest income to average assets	0.9075%	1,162
Noninterest expense to average assets	2.9620%	2,162
Loan and lease loss provision to assets	0.0825%	2,262
Net operating income to assets	1.2970%	1,786
Return on assets (ROA)	1.2970%	1,777
Pretax return on assets	1.2970%	2,527
Return on Equity (ROE)	13.8169%	1,123
Retained earnings to average equity (ytd only)	6.4479%	2,336
Net charge-offs to loans	0.0496%	1,895
Credit loss provision to net charge-offs	283.7838%	1,050
Earnings coverage of net charge-offs (x)	47.4324%	1,163
Efficiency ratio	68.2238%	2,611
Assets per employee ($millions)	3.6850%	4,368
Cash dividends to net income (ytd only)*	53.3333%	1,548
Condition Ratios (%)
Loss allowance to loans	1.3152%	2,096
Loan loss allowance to noncurrent loans	1,270.8861%	479
Noncurrent assets plus other real estate owned to assets	0.0621%	4,709
Noncurrent loans to loans	0.1035%	4,450
Net loans and leases to total assets	59.2586%	3,880
Net loans and leases to deposits	73.4053%	3,591
Net loans and leases to core deposits	80.5386%	3,370
Total domestic deposits to total assets	80.7280%	4,071
Equity capital to assets	9.4480%	4,154
Core capital (leverage) ratio	9.7921%	3,798
Tier 1 risk-based capital ratio	14.7261%	3,008
Total risk-based capital ratio	15.9143%	2,958
Memoranda:
Average total assets	$508,850,670	1,390
Average earning assets	$474,698,000	1,384
Average equity	$47,767,670	1,578
Average total loans	$298,402,330	1,613
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0267%	3,517
Cost of funding earning assets	0.4172%	3,467
Net interest margin	3.6095%	3,138
Noninterest income to average assets	0.8518%	1,293
Noninterest expense to average assets	2.9304%	2,253
Loan and lease loss provision to assets	0.0825%	2,141
Net operating income to assets	1.2110%	1,957
Return on assets (ROA)	1.2110%	1,967
Pretax return on assets	1.2110%	2,708
Return on Equity (ROE)	12.9418%	1,279
Retained earnings to average equity (ytd only)	5.5513%	2,927
Net charge-offs to loans	-0.0027%	3,855
Credit loss provision to net charge-offs	-5,250.0000%	4,455
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.3767%	2,602
Assets per employee ($millions)	3.8318%	4,244
Cash dividends to net income (ytd only)*	57.1058%	1,331
Condition Ratios (%)
Loss allowance to loans	1.3441%	2,040
Loan loss allowance to noncurrent loans	991.7910%	605
Noncurrent assets plus other real estate owned to assets	0.0783%	4,695
Noncurrent loans to loans	0.1355%	4,360
Net loans and leases to total assets	56.9942%	4,028
Net loans and leases to deposits	68.2217%	3,931
Net loans and leases to core deposits	77.0365%	3,575
Total domestic deposits to total assets	83.5425%	3,486
Equity capital to assets	9.2316%	4,333
Core capital (leverage) ratio	9.7666%	3,788
Tier 1 risk-based capital ratio	14.7869%	2,985
Total risk-based capital ratio	15.9926%	2,928
Memoranda:
Average total assets	$509,011,000	1,403
Average earning assets	$475,526,500	1,397
Average equity	$47,628,500	1,594
Average total loans	$294,921,500	1,634
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9563%	3,548
Cost of funding earning assets	0.3489%	3,730
Net interest margin	3.6074%	3,139
Noninterest income to average assets	0.8323%	1,458
Noninterest expense to average assets	2.9384%	2,322
Loan and lease loss provision to assets	0.0993%	2,239
Net operating income to assets	1.1527%	1,674
Return on assets (ROA)	1.1529%	1,702
Pretax return on assets	1.1529%	2,973
Return on Equity (ROE)	12.4739%	1,086
Retained earnings to average equity (ytd only)	5.8329%	1,637
Net charge-offs to loans	0.0359%	3,071
Credit loss provision to net charge-offs	485.4369%	641
Earnings coverage of net charge-offs (x)	61.1942%	945
Efficiency ratio	70.1223%	2,526
Assets per employee ($millions)	3.7100%	4,417
Cash dividends to net income (ytd only)*	53.2391%	2,107
Condition Ratios (%)
Loss allowance to loans	1.3233%	2,100
Loan loss allowance to noncurrent loans	1,259.7403%	520
Noncurrent assets plus other real estate owned to assets	0.0610%	4,816
Noncurrent loans to loans	0.1050%	4,516
Net loans and leases to total assets	57.3435%	4,074
Net loans and leases to deposits	68.4565%	3,992
Net loans and leases to core deposits	76.5838%	3,697
Total domestic deposits to total assets	83.7664%	3,289
Equity capital to assets	9.4847%	4,243
Core capital (leverage) ratio	9.5828%	3,933
Tier 1 risk-based capital ratio	14.8032%	2,928
Total risk-based capital ratio	15.9939%	2,905
Memoranda:
Average total assets	$503,430,200	1,394
Average earning assets	$468,641,800	1,386
Average equity	$46,529,000	1,620
Average total loans	$286,632,400	1,623
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9187%	3,626
Cost of funding earning assets	0.3286%	3,855
Net interest margin	3.5900%	3,191
Noninterest income to average assets	0.8159%	1,527
Noninterest expense to average assets	2.9552%	2,233
Loan and lease loss provision to assets	0.1192%	1,817
Net operating income to assets	1.0820%	2,165
Return on assets (ROA)	1.0822%	2,225
Pretax return on assets	1.0822%	3,375
Return on Equity (ROE)	11.7868%	1,400
Retained earnings to average equity (ytd only)	4.1675%	3,423
Net charge-offs to loans	0.0351%	2,733
Credit loss provision to net charge-offs	600.0000%	544
Earnings coverage of net charge-offs (x)	60.4385%	988
Efficiency ratio	71.0998%	2,349
Assets per employee ($millions)	3.8890%	4,178
Cash dividends to net income (ytd only)*	64.6424%	1,164
Condition Ratios (%)
Loss allowance to loans	1.3238%	2,248
Loan loss allowance to noncurrent loans	950.2463%	622
Noncurrent assets plus other real estate owned to assets	0.0860%	4,813
Noncurrent loans to loans	0.1393%	4,496
Net loans and leases to total assets	55.5999%	4,266
Net loans and leases to deposits	67.5751%	4,141
Net loans and leases to core deposits	75.9896%	3,800
Total domestic deposits to total assets	82.2788%	3,689
Equity capital to assets	9.1486%	4,774
Core capital (leverage) ratio	9.3946%	4,300
Tier 1 risk-based capital ratio	14.2892%	3,308
Total risk-based capital ratio	15.4630%	3,247
Memoranda:
Average total assets	$503,148,000	1,404
Average earning assets	$468,174,000	1,398
Average equity	$46,197,250	1,643
Average total loans	$284,987,500	1,641
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8481%	3,727
Cost of funding earning assets	0.3008%	4,074
Net interest margin	3.5472%	3,225
Noninterest income to average assets	0.8294%	1,473
Noninterest expense to average assets	3.0017%	2,105
Loan and lease loss provision to assets	0.1204%	1,715
Net operating income to assets	1.0051%	2,404
Return on assets (ROA)	1.0055%	2,442
Pretax return on assets	1.0055%	3,551
Return on Equity (ROE)	10.9377%	1,668
Retained earnings to average equity (ytd only)	3.2560%	3,778
Net charge-offs to loans	0.0445%	2,314
Credit loss provision to net charge-offs	476.1905%	690
Earnings coverage of net charge-offs (x)	44.5238%	1,166
Efficiency ratio	72.7299%	2,229
Assets per employee ($millions)	3.8400%	4,212
Cash dividends to net income (ytd only)*	70.2314%	1,120
Condition Ratios (%)
Loss allowance to loans	1.3038%	2,391
Loan loss allowance to noncurrent loans	133.9575%	3,002
Noncurrent assets plus other real estate owned to assets	0.5556%	2,910
Noncurrent loans to loans	0.9733%	2,019
Net loans and leases to total assets	55.5552%	4,263
Net loans and leases to deposits	68.5605%	4,017
Net loans and leases to core deposits	76.2573%	3,746
Total domestic deposits to total assets	81.0309%	4,175
Equity capital to assets	9.2356%	4,689
Core capital (leverage) ratio	9.3481%	4,298
Tier 1 risk-based capital ratio	14.1926%	3,312
Total risk-based capital ratio	15.3337%	3,298
Memoranda:
Average total assets	$498,451,330	1,417
Average earning assets	$463,402,670	1,416
Average equity	$45,823,000	1,651
Average total loans	$282,836,000	1,651
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7846%	3,814
Cost of funding earning assets	0.2846%	4,201
Net interest margin	3.4999%	3,275
Noninterest income to average assets	0.8878%	1,283
Noninterest expense to average assets	3.1394%	1,766
Loan and lease loss provision to assets	0.1214%	1,577
Net operating income to assets	0.8814%	2,855
Return on assets (ROA)	0.8814%	2,906
Pretax return on assets	0.8814%	3,830
Return on Equity (ROE)	9.6100%	2,135
Retained earnings to average equity (ytd only)	1.8443%	4,384
Net charge-offs to loans	0.0199%	2,389
Credit loss provision to net charge-offs	1,071.4286%	292
Earnings coverage of net charge-offs (x)	88.5000%	604
Efficiency ratio	75.7913%	1,941
Assets per employee ($millions)	3.8265%	4,304
Cash dividends to net income (ytd only)*	80.8081%	961
Condition Ratios (%)
Loss allowance to loans	1.2876%	2,597
Loan loss allowance to noncurrent loans	1,311.2319%	485
Noncurrent assets plus other real estate owned to assets	0.0655%	5,012
Noncurrent loans to loans	0.0982%	4,795
Net loans and leases to total assets	55.7751%	4,199
Net loans and leases to deposits	67.4354%	4,048
Net loans and leases to core deposits	76.7850%	3,575
Total domestic deposits to total assets	82.7089%	3,945
Equity capital to assets	9.1636%	4,655
Core capital (leverage) ratio	9.4151%	4,218
Tier 1 risk-based capital ratio	14.2561%	3,334
Total risk-based capital ratio	15.3844%	3,318
Memoranda:
Average total assets	$494,239,000	1,435
Average earning assets	$459,551,000	1,431
Average equity	$45,328,000	1,672
Average total loans	$281,596,000	1,665
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6739%	4,299
Cost of funding earning assets	0.2575%	4,497
Net interest margin	3.4164%	3,761
Noninterest income to average assets	0.8328%	1,639
Noninterest expense to average assets	2.8629%	2,799
Loan and lease loss provision to assets	0.1006%	2,366
Net operating income to assets	1.0514%	2,137
Return on assets (ROA)	1.0997%	1,995
Pretax return on assets	1.0997%	3,107
Return on Equity (ROE)	11.8602%	1,286
Retained earnings to average equity (ytd only)	4.2210%	2,903
Net charge-offs to loans	0.0374%	3,280
Credit loss provision to net charge-offs	510.2041%	649
Earnings coverage of net charge-offs (x)	58.4184%	914
Efficiency ratio	71.3076%	2,694
Assets per employee ($millions)	3.8064%	4,296
Cash dividends to net income (ytd only)*	64.4099%	1,567
Condition Ratios (%)
Loss allowance to loans	1.2346%	2,911
Loan loss allowance to noncurrent loans	1,590.4110%	399
Noncurrent assets plus other real estate owned to assets	0.0470%	5,153
Noncurrent loans to loans	0.0776%	4,930
Net loans and leases to total assets	56.7456%	4,196
Net loans and leases to deposits	68.8331%	4,023
Net loans and leases to core deposits	78.3286%	3,549
Total domestic deposits to total assets	82.4394%	3,951
Equity capital to assets	9.1790%	4,602
Core capital (leverage) ratio	9.4037%	4,219
Tier 1 risk-based capital ratio	14.2340%	3,329
Total risk-based capital ratio	15.3231%	3,341
Memoranda:
Average total assets	$496,972,400	1,388
Average earning assets	$462,885,400	1,371
Average equity	$46,078,600	1,640
Average total loans	$261,923,600	1,722
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6324%	4,459
Cost of funding earning assets	0.2539%	4,566
Net interest margin	3.3785%	3,924
Noninterest income to average assets	0.8289%	1,651
Noninterest expense to average assets	2.8728%	2,734
Loan and lease loss provision to assets	0.0936%	2,354
Net operating income to assets	1.0119%	2,378
Return on assets (ROA)	1.0761%	2,202
Pretax return on assets	1.0761%	3,329
Return on Equity (ROE)	11.5775%	1,465
Retained earnings to average equity (ytd only)	3.9800%	3,476
Net charge-offs to loans	0.0436%	2,772
Credit loss provision to net charge-offs	416.6667%	815
Earnings coverage of net charge-offs (x)	49.2012%	1,087
Efficiency ratio	72.2114%	2,547
Assets per employee ($millions)	3.7749%	4,355
Cash dividends to net income (ytd only)*	65.6226%	1,192
Condition Ratios (%)
Loss allowance to loans	1.2388%	3,019
Loan loss allowance to noncurrent loans	1,494.1964%	398
Noncurrent assets plus other real estate owned to assets	0.0456%	5,287
Noncurrent loans to loans	0.0829%	5,021
Net loans and leases to total assets	54.3764%	4,464
Net loans and leases to deposits	67.0379%	4,243
Net loans and leases to core deposits	75.0341%	3,917
Total domestic deposits to total assets	81.1129%	4,225
Equity capital to assets	9.5879%	4,567
Core capital (leverage) ratio	9.2839%	4,479
Tier 1 risk-based capital ratio	14.4223%	3,319
Total risk-based capital ratio	15.4960%	3,360
Memoranda:
Average total assets	$498,457,500	1,386
Average earning assets	$464,657,500	1,371
Average equity	$46,330,250	1,641
Average total loans	$256,874,000	1,755
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6011%	4,583
Cost of funding earning assets	0.2521%	4,638
Net interest margin	3.3490%	4,061
Noninterest income to average assets	0.8159%	1,656
Noninterest expense to average assets	2.8681%	2,777
Loan and lease loss provision to assets	0.0798%	2,542
Net operating income to assets	0.9908%	2,431
Return on assets (ROA)	1.0778%	2,179
Pretax return on assets	1.0778%	3,291
Return on Equity (ROE)	11.7162%	1,412
Retained earnings to average equity (ytd only)	4.0790%	3,307
Net charge-offs to loans	0.0570%	2,372
Credit loss provision to net charge-offs	277.7778%	1,014
Earnings coverage of net charge-offs (x)	37.2500%	1,206
Efficiency ratio	72.8185%	2,546
Assets per employee ($millions)	3.8028%	4,260
Cash dividends to net income (ytd only)*	65.1852%	1,337
Condition Ratios (%)
Loss allowance to loans	1.2178%	3,257
Loan loss allowance to noncurrent loans	1,887.6471%	342
Noncurrent assets plus other real estate owned to assets	0.0344%	5,449
Noncurrent loans to loans	0.0645%	5,193
Net loans and leases to total assets	52.6538%	4,619
Net loans and leases to deposits	65.2016%	4,401
Net loans and leases to core deposits	72.5539%	4,125
Total domestic deposits to total assets	80.7554%	4,341
Equity capital to assets	9.4867%	4,781
Core capital (leverage) ratio	8.9551%	4,883
Tier 1 risk-based capital ratio	14.3070%	3,429
Total risk-based capital ratio	15.3383%	3,470
Memoranda:
Average total assets	$501,032,330	1,382
Average earning assets	$467,185,000	1,363
Average equity	$46,090,000	1,647
Average total loans	$252,435,330	1,783
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5289%	4,817
Cost of funding earning assets	0.2449%	4,753
Net interest margin	3.2840%	4,289
Noninterest income to average assets	0.8153%	1,573
Noninterest expense to average assets	2.8495%	2,893
Loan and lease loss provision to assets	0.0595%	2,765
Net operating income to assets	0.9691%	2,418
Return on assets (ROA)	0.9771%	2,498
Pretax return on assets	0.9771%	3,562
Return on Equity (ROE)	10.7868%	1,678
Retained earnings to average equity (ytd only)	3.0819%	3,973
Net charge-offs to loans	0.0405%	2,191
Credit loss provision to net charge-offs	300.0000%	841
Earnings coverage of net charge-offs (x)	51.8800%	865
Efficiency ratio	73.4765%	2,561
Assets per employee ($millions)	3.7865%	4,326
Cash dividends to net income (ytd only)*	71.4286%	1,161
Condition Ratios (%)
Loss allowance to loans	1.2683%	3,060
Loan loss allowance to noncurrent loans	1,442.8571%	418
Noncurrent assets plus other real estate owned to assets	0.0431%	5,452
Noncurrent loans to loans	0.0879%	5,122
Net loans and leases to total assets	48.3969%	4,937
Net loans and leases to deposits	58.0924%	4,847
Net loans and leases to core deposits	66.7719%	4,485
Total domestic deposits to total assets	83.3102%	3,787
Equity capital to assets	9.1668%	5,024
Core capital (leverage) ratio	8.8706%	4,998
Tier 1 risk-based capital ratio	14.7029%	3,286
Total risk-based capital ratio	15.7508%	3,331
Memoranda:
Average total assets	$504,365,000	1,374
Average earning assets	$470,399,500	1,349
Average equity	$45,685,500	1,650
Average total loans	$246,897,000	1,820
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4342%	5,088
Cost of funding earning assets	0.2194%	5,099
Net interest margin	3.2149%	4,576
Noninterest income to average assets	0.9041%	1,437
Noninterest expense to average assets	2.7695%	3,352
Loan and lease loss provision to assets	0.0415%	3,504
Net operating income to assets	1.0972%	1,940
Return on assets (ROA)	1.1065%	1,959
Pretax return on assets	1.1065%	3,021
Return on Equity (ROE)	12.3619%	1,219
Retained earnings to average equity (ytd only)	4.5667%	2,730
Net charge-offs to loans	0.0264%	3,705
Credit loss provision to net charge-offs	355.9322%	837
Earnings coverage of net charge-offs (x)	97.6441%	584
Efficiency ratio	70.8072%	3,093
Assets per employee ($millions)	3.8558%	4,198
Cash dividends to net income (ytd only)*	63.0582%	1,588
Condition Ratios (%)
Loss allowance to loans	1.2477%	3,188
Loan loss allowance to noncurrent loans	1,162.6415%	526
Noncurrent assets plus other real estate owned to assets	0.0525%	5,463
Noncurrent loans to loans	0.1073%	5,074
Net loans and leases to total assets	48.2775%	4,992
Net loans and leases to deposits	59.2426%	4,831
Net loans and leases to core deposits	66.4650%	4,552
Total domestic deposits to total assets	81.4911%	4,340
Equity capital to assets	8.9446%	5,177
Core capital (leverage) ratio	8.8003%	5,109
Tier 1 risk-based capital ratio	14.0180%	3,704
Total risk-based capital ratio	15.0098%	3,783
Memoranda:
Average total assets	$505,909,400	1,329
Average earning assets	$472,743,200	1,309
Average equity	$45,284,400	1,630
Average total loans	$223,224,400	1,902
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4068%	5,190
Cost of funding earning assets	0.2120%	5,270
Net interest margin	3.1948%	4,684
Noninterest income to average assets	0.9147%	1,411
Noninterest expense to average assets	2.7598%	3,345
Loan and lease loss provision to assets	0.0435%	3,350
Net operating income to assets	1.1001%	2,004
Return on assets (ROA)	1.1128%	2,029
Pretax return on assets	1.1128%	3,165
Return on Equity (ROE)	12.4295%	1,261
Retained earnings to average equity (ytd only)	4.6316%	3,178
Net charge-offs to loans	0.0282%	3,378
Credit loss provision to net charge-offs	358.6957%	825
Earnings coverage of net charge-offs (x)	94.3724%	654
Efficiency ratio	70.6283%	3,110
Assets per employee ($millions)	3.8744%	4,129
Cash dividends to net income (ytd only)*	62.7368%	1,307
Condition Ratios (%)
Loss allowance to loans	1.3664%	2,757
Loan loss allowance to noncurrent loans	1,159.3156%	499
Noncurrent assets plus other real estate owned to assets	0.0530%	5,563
Noncurrent loans to loans	0.1179%	5,156
Net loans and leases to total assets	44.3800%	5,333
Net loans and leases to deposits	53.3043%	5,303
Net loans and leases to core deposits	59.1510%	5,122
Total domestic deposits to total assets	83.2579%	3,715
Equity capital to assets	9.2727%	5,032
Core capital (leverage) ratio	8.7040%	5,346
Tier 1 risk-based capital ratio	14.9701%	3,308
Total risk-based capital ratio	16.0303%	3,350
Memoranda:
Average total assets	$506,109,500	1,331
Average earning assets	$473,468,500	1,309
Average equity	$45,310,500	1,638
Average total loans	$217,296,750	1,949
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3849%	5,265
Cost of funding earning assets	0.2022%	5,417
Net interest margin	3.1827%	4,708
Noninterest income to average assets	0.8942%	1,461
Noninterest expense to average assets	2.7270%	3,502
Loan and lease loss provision to assets	0.0471%	3,179
Net operating income to assets	1.0987%	1,961
Return on assets (ROA)	1.1038%	2,028
Pretax return on assets	1.1038%	3,160
Return on Equity (ROE)	12.4741%	1,235
Retained earnings to average equity (ytd only)	4.6223%	3,097
Net charge-offs to loans	0.0353%	2,966
Credit loss provision to net charge-offs	315.7895%	900
Earnings coverage of net charge-offs (x)	76.8158%	726
Efficiency ratio	70.3020%	3,285
Assets per employee ($millions)	3.9819%	3,922
Cash dividends to net income (ytd only)*	62.9445%	1,430
Condition Ratios (%)
Loss allowance to loans	1.4064%	2,725
Loan loss allowance to noncurrent loans	1,045.8333%	539
Noncurrent assets plus other real estate owned to assets	0.0570%	5,635
Noncurrent loans to loans	0.1345%	5,208
Net loans and leases to total assets	41.7546%	5,518
Net loans and leases to deposits	51.0050%	5,452
Net loans and leases to core deposits	55.3111%	5,356
Total domestic deposits to total assets	81.8638%	4,339
Equity capital to assets	8.9509%	5,283
Core capital (leverage) ratio	8.5379%	5,500
Tier 1 risk-based capital ratio	15.3106%	3,193
Total risk-based capital ratio	16.3951%	3,215
Memoranda:
Average total assets	$509,503,330	1,334
Average earning assets	$476,827,330	1,313
Average equity	$45,085,330	1,651
Average total loans	$215,348,330	1,971
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3538%	5,319
Cost of funding earning assets	0.1984%	5,532
Net interest margin	3.1555%	4,767
Noninterest income to average assets	0.8338%	1,591
Noninterest expense to average assets	2.7360%	3,463
Loan and lease loss provision to assets	0.0469%	2,993
Net operating income to assets	1.0121%	2,205
Return on assets (ROA)	1.0074%	2,372
Pretax return on assets	1.0074%	3,464
Return on Equity (ROE)	11.4500%	1,499
Retained earnings to average equity (ytd only)	3.5381%	3,875
Net charge-offs to loans	0.0741%	1,965
Credit loss provision to net charge-offs	150.0000%	1,240
Earnings coverage of net charge-offs (x)	33.8500%	1,074
Efficiency ratio	71.9909%	3,171
Assets per employee ($millions)	3.9373%	4,084
Cash dividends to net income (ytd only)*	69.0994%	1,209
Condition Ratios (%)
Loss allowance to loans	1.3602%	3,100
Loan loss allowance to noncurrent loans	407.4586%	1,186
Noncurrent assets plus other real estate owned to assets	0.1425%	5,385
Noncurrent loans to loans	0.3338%	4,592
Net loans and leases to total assets	42.1191%	5,473
Net loans and leases to deposits	50.2559%	5,445
Net loans and leases to core deposits	54.7606%	5,326
Total domestic deposits to total assets	83.8092%	3,885
Equity capital to assets	8.9627%	5,338
Core capital (leverage) ratio	8.2865%	5,745
Tier 1 risk-based capital ratio	15.0151%	3,425
Total risk-based capital ratio	16.0729%	3,464
Memoranda:
Average total assets	$511,404,000	1,337
Average earning assets	$479,929,000	1,315
Average equity	$44,995,500	1,659
Average total loans	$215,939,500	1,969
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3723%	5,582
Cost of funding earning assets	0.1989%	5,759
Net interest margin	3.1734%	5,005
Noninterest income to average assets	0.8535%	1,667
Noninterest expense to average assets	2.6795%	3,943
Loan and lease loss provision to assets	0.0362%	3,862
Net operating income to assets	1.1015%	1,969
Return on assets (ROA)	1.1046%	2,013
Pretax return on assets	1.1046%	3,064
Return on Equity (ROE)	12.5501%	1,254
Retained earnings to average equity (ytd only)	6.8061%	1,493
Net charge-offs to loans	-0.0240%	5,741
Credit loss provision to net charge-offs	-375.0000%	5,734
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.0790%	3,517
Assets per employee ($millions)	4.0543%	3,821
Cash dividends to net income (ytd only)*	45.7689%	2,518
Condition Ratios (%)
Loss allowance to loans	1.3628%	3,124
Loan loss allowance to noncurrent loans	996.5986%	586
Noncurrent assets plus other real estate owned to assets	0.0571%	5,788
Noncurrent loans to loans	0.1367%	5,343
Net loans and leases to total assets	41.1872%	5,677
Net loans and leases to deposits	49.5358%	5,605
Net loans and leases to core deposits	53.2039%	5,551
Total domestic deposits to total assets	83.1463%	4,022
Equity capital to assets	8.6364%	5,618
Core capital (leverage) ratio	8.3018%	5,775
Tier 1 risk-based capital ratio	15.6076%	3,184
Total risk-based capital ratio	16.7103%	3,183
Memoranda:
Average total assets	$497,483,800	1,337
Average earning assets	$464,606,000	1,322
Average equity	$43,784,400	1,649
Average total loans	$199,599,000	2,040
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3789%	5,626
Cost of funding earning assets	0.1997%	5,834
Net interest margin	3.1792%	5,031
Noninterest income to average assets	0.8582%	1,668
Noninterest expense to average assets	2.7083%	3,799
Loan and lease loss provision to assets	0.0406%	3,598
Net operating income to assets	1.0750%	2,136
Return on assets (ROA)	1.0791%	2,180
Pretax return on assets	1.0791%	3,269
Return on Equity (ROE)	12.2008%	1,425
Retained earnings to average equity (ytd only)	4.6651%	3,312
Net charge-offs to loans	-0.0307%	5,745
Credit loss provision to net charge-offs	-333.3333%	5,666
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.7134%	3,384
Assets per employee ($millions)	3.9881%	3,921
Cash dividends to net income (ytd only)*	61.7639%	1,309
Condition Ratios (%)
Loss allowance to loans	1.4494%	2,945
Loan loss allowance to noncurrent loans	888.6503%	629
Noncurrent assets plus other real estate owned to assets	0.0649%	5,892
Noncurrent loans to loans	0.1631%	5,421
Net loans and leases to total assets	39.1994%	5,863
Net loans and leases to deposits	46.6016%	5,839
Net loans and leases to core deposits	50.1263%	5,781
Total domestic deposits to total assets	84.1160%	3,715
Equity capital to assets	8.8707%	5,491
Core capital (leverage) ratio	8.1540%	5,967
Tier 1 risk-based capital ratio	15.7473%	3,187
Total risk-based capital ratio	16.8875%	3,179
Memoranda:
Average total assets	$493,132,000	1,359
Average earning assets	$460,016,250	1,345
Average equity	$43,613,500	1,656
Average total loans	$195,749,000	2,084
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3804%	5,663
Cost of funding earning assets	0.2005%	5,908
Net interest margin	3.1799%	5,010
Noninterest income to average assets	0.8359%	1,717
Noninterest expense to average assets	2.7379%	3,738
Loan and lease loss provision to assets	0.0490%	3,324
Net operating income to assets	1.0134%	2,275
Return on assets (ROA)	1.0196%	2,315
Pretax return on assets	1.0196%	3,399
Return on Equity (ROE)	11.5400%	1,566
Retained earnings to average equity (ytd only)	3.9406%	3,673
Net charge-offs to loans	-0.0381%	5,766
Credit loss provision to net charge-offs	-324.3243%	5,483
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	71.9257%	3,358
Assets per employee ($millions)	3.9328%	3,992
Cash dividends to net income (ytd only)*	65.8527%	1,299
Condition Ratios (%)
Loss allowance to loans	1.4823%	2,982
Loan loss allowance to noncurrent loans	654.2334%	726
Noncurrent assets plus other real estate owned to assets	0.0882%	5,897
Noncurrent loans to loans	0.2266%	5,321
Net loans and leases to total assets	38.3473%	5,935
Net loans and leases to deposits	46.1833%	5,876
Net loans and leases to core deposits	49.1477%	5,840
Total domestic deposits to total assets	83.0328%	4,295
Equity capital to assets	8.9411%	5,371
Core capital (leverage) ratio	8.0835%	6,033
Tier 1 risk-based capital ratio	15.9324%	3,130
Total risk-based capital ratio	17.0904%	3,114
Memoranda:
Average total assets	$490,010,000	1,367
Average earning assets	$456,811,670	1,344
Average equity	$43,293,000	1,653
Average total loans	$194,374,330	2,094
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3906%	5,667
Cost of funding earning assets	0.1992%	6,006
Net interest margin	3.1913%	4,948
Noninterest income to average assets	0.8177%	1,687
Noninterest expense to average assets	2.7452%	3,778
Loan and lease loss provision to assets	0.0493%	3,110
Net operating income to assets	0.9950%	2,231
Return on assets (ROA)	1.0073%	2,248
Pretax return on assets	1.0073%	3,295
Return on Equity (ROE)	11.4709%	1,553
Retained earnings to average equity (ytd only)	3.8049%	3,844
Net charge-offs to loans	-0.0820%	6,045
Credit loss provision to net charge-offs	-150.0000%	4,912
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.3354%	3,426
Assets per employee ($millions)	3.7502%	4,421
Cash dividends to net income (ytd only)*	66.8297%	1,227
Condition Ratios (%)
Loss allowance to loans	1.4276%	3,472
Loan loss allowance to noncurrent loans	565.1210%	841
Noncurrent assets plus other real estate owned to assets	0.1002%	5,948
Noncurrent loans to loans	0.2526%	5,346
Net loans and leases to total assets	39.0962%	5,872
Net loans and leases to deposits	46.7492%	5,805
Net loans and leases to core deposits	50.4119%	5,731
Total domestic deposits to total assets	83.6297%	4,409
Equity capital to assets	8.7189%	5,432
Core capital (leverage) ratio	8.0655%	6,072
Tier 1 risk-based capital ratio	15.6144%	3,373
Total risk-based capital ratio	16.7401%	3,403
Memoranda:
Average total assets	$487,249,000	1,385
Average earning assets	$453,730,000	1,363
Average equity	$42,786,500	1,663
Average total loans	$195,120,500	2,094
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3422%	5,925
Cost of funding earning assets	0.2287%	6,113
Net interest margin	3.1134%	5,274
Noninterest income to average assets	0.8704%	1,783
Noninterest expense to average assets	2.7379%	3,961
Loan and lease loss provision to assets	0.0349%	4,423
Net operating income to assets	0.9896%	2,369
Return on assets (ROA)	1.0211%	2,302
Pretax return on assets	1.0211%	3,264
Return on Equity (ROE)	12.0476%	1,404
Retained earnings to average equity (ytd only)	2.4100%	4,532
Net charge-offs to loans	0.0511%	4,504
Credit loss provision to net charge-offs	175.2577%	1,305
Earnings coverage of net charge-offs (x)	51.4021%	778
Efficiency ratio	72.6488%	3,360
Assets per employee ($millions)	3.6882%	4,508
Cash dividends to net income (ytd only)*	79.9960%	922
Condition Ratios (%)
Loss allowance to loans	1.3940%	3,684
Loan loss allowance to noncurrent loans	519.8077%	935
Noncurrent assets plus other real estate owned to assets	0.1147%	5,988
Noncurrent loans to loans	0.2682%	5,382
Net loans and leases to total assets	39.8769%	5,976
Net loans and leases to deposits	47.6884%	5,913
Net loans and leases to core deposits	51.4669%	5,838
Total domestic deposits to total assets	83.6198%	4,312
Equity capital to assets	8.8456%	5,204
Core capital (leverage) ratio	8.1089%	6,045
Tier 1 risk-based capital ratio	15.7150%	3,244
Total risk-based capital ratio	16.8192%	3,284
Memoranda:
Average total assets	$486,649,200	1,363
Average earning assets	$452,041,400	1,344
Average equity	$41,244,600	1,696
Average total loans	$189,966,000	2,102
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3156%	6,039
Cost of funding earning assets	0.2355%	6,187
Net interest margin	3.0801%	5,378
Noninterest income to average assets	0.8667%	1,867
Noninterest expense to average assets	2.7193%	3,950
Loan and lease loss provision to assets	0.0300%	4,406
Net operating income to assets	0.9767%	2,481
Return on assets (ROA)	1.0184%	2,390
Pretax return on assets	1.0184%	3,430
Return on Equity (ROE)	12.1470%	1,433
Retained earnings to average equity (ytd only)	1.8753%	5,196
Net charge-offs to loans	0.0374%	4,399
Credit loss provision to net charge-offs	207.5472%	1,169
Earnings coverage of net charge-offs (x)	69.5897%	669
Efficiency ratio	72.8645%	3,250
Assets per employee ($millions)	3.6682%	4,512
Cash dividends to net income (ytd only)*	84.5618%	676
Condition Ratios (%)
Loss allowance to loans	1.3857%	3,960
Loan loss allowance to noncurrent loans	426.5079%	1,020
Noncurrent assets plus other real estate owned to assets	0.1426%	6,017
Noncurrent loans to loans	0.3249%	5,414
Net loans and leases to total assets	40.0999%	6,023
Net loans and leases to deposits	48.2049%	5,948
Net loans and leases to core deposits	52.4380%	5,864
Total domestic deposits to total assets	83.1864%	4,505
Equity capital to assets	8.0452%	6,121
Core capital (leverage) ratio	8.0791%	6,169
Tier 1 risk-based capital ratio	15.6263%	3,383
Total risk-based capital ratio	16.7300%	3,436
Memoranda:
Average total assets	$488,444,500	1,365
Average earning assets	$453,434,250	1,349
Average equity	$40,952,750	1,721
Average total loans	$188,982,500	2,108
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2983%	6,091
Cost of funding earning assets	0.2480%	6,184
Net interest margin	3.0503%	5,428
Noninterest income to average assets	0.8499%	2,000
Noninterest expense to average assets	2.7130%	3,984
Loan and lease loss provision to assets	0.0244%	4,430
Net operating income to assets	0.9454%	2,590
Return on assets (ROA)	0.9685%	2,619
Pretax return on assets	0.9685%	3,645
Return on Equity (ROE)	11.4025%	1,681
Retained earnings to average equity (ytd only)	7.4566%	1,689
Net charge-offs to loans	0.0171%	4,499
Credit loss provision to net charge-offs	375.0000%	689
Earnings coverage of net charge-offs (x)	149.1875%	329
Efficiency ratio	73.5466%	3,217
Assets per employee ($millions)	3.7357%	4,331
Cash dividends to net income (ytd only)*	34.6057%	2,473
Condition Ratios (%)
Loss allowance to loans	1.4134%	3,974
Loan loss allowance to noncurrent loans	413.2921%	1,033
Noncurrent assets plus other real estate owned to assets	0.1312%	6,092
Noncurrent loans to loans	0.3420%	5,445
Net loans and leases to total assets	37.8249%	6,188
Net loans and leases to deposits	47.5622%	6,011
Net loans and leases to core deposits	50.9164%	5,969
Total domestic deposits to total assets	79.5272%	5,710
Equity capital to assets	8.0411%	6,172
Core capital (leverage) ratio	8.0969%	6,110
Tier 1 risk-based capital ratio	15.8877%	3,266
Total risk-based capital ratio	16.9764%	3,299
Memoranda:
Average total assets	$492,303,000	1,354
Average earning assets	$457,201,330	1,331
Average equity	$41,815,330	1,691
Average total loans	$187,339,670	2,133
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3098%	6,139
Cost of funding earning assets	0.2655%	6,190
Net interest margin	3.0443%	5,451
Noninterest income to average assets	0.8490%	1,932
Noninterest expense to average assets	2.7428%	3,908
Loan and lease loss provision to assets	0.0244%	4,164
Net operating income to assets	0.9067%	2,612
Return on assets (ROA)	0.9417%	2,610
Pretax return on assets	0.9417%	3,608
Return on Equity (ROE)	10.7978%	1,760
Retained earnings to average equity (ytd only)	10.7978%	915
Net charge-offs to loans	0.0172%	3,811
Credit loss provision to net charge-offs	375.0000%	661
Earnings coverage of net charge-offs (x)	143.1250%	278
Efficiency ratio	74.5463%	3,169
Assets per employee ($millions)	3.8134%	4,327
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	1.4142%	4,169
Loan loss allowance to noncurrent loans	549.0683%	791
Noncurrent assets plus other real estate owned to assets	0.0982%	6,297
Noncurrent loans to loans	0.2576%	5,768
Net loans and leases to total assets	37.5826%	6,176
Net loans and leases to deposits	46.8745%	6,000
Net loans and leases to core deposits	50.9285%	5,901
Total domestic deposits to total assets	80.1771%	5,718
Equity capital to assets	8.7553%	5,753
Core capital (leverage) ratio	8.1551%	5,982
Tier 1 risk-based capital ratio	15.8157%	3,364
Total risk-based capital ratio	16.9019%	3,414
Memoranda:
Average total assets	$491,901,000	1,371
Average earning assets	$456,462,000	1,343
Average equity	$42,897,500	1,670
Average total loans	$186,414,000	2,156
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5272%	6,328
Cost of funding earning assets	0.3303%	6,314
Net interest margin	3.1969%	5,573
Noninterest income to average assets	0.9302%	1,771
Noninterest expense to average assets	2.7845%	4,088
Loan and lease loss provision to assets	0.0191%	5,668
Net operating income to assets	1.0999%	1,937
Return on assets (ROA)	1.1077%	2,092
Pretax return on assets	1.1077%	3,125
Return on Equity (ROE)	12.3911%	1,390
Retained earnings to average equity (ytd only)	9.5475%	687
Net charge-offs to loans	0.0340%	5,441
Credit loss provision to net charge-offs	155.1724%	1,738
Earnings coverage of net charge-offs (x)	91.0690%	430
Efficiency ratio	71.2146%	3,587
Assets per employee ($millions)	3.8130%	4,344
Cash dividends to net income (ytd only)*	22.9489%	3,644
Condition Ratios (%)
Loss allowance to loans	1.4194%	4,076
Loan loss allowance to noncurrent loans	535.6415%	777
Noncurrent assets plus other real estate owned to assets	0.1992%	6,060
Noncurrent loans to loans	0.2650%	5,815
Net loans and leases to total assets	37.1369%	6,361
Net loans and leases to deposits	46.2150%	6,239
Net loans and leases to core deposits	49.5928%	6,170
Total domestic deposits to total assets	80.3569%	5,577
Equity capital to assets	8.6862%	5,859
Core capital (leverage) ratio	8.1268%	6,062
Tier 1 risk-based capital ratio	15.4992%	3,424
Total risk-based capital ratio	16.5876%	3,476
Memoranda:
Average total assets	$472,047,600	1,402
Average earning assets	$439,018,000	1,371
Average equity	$42,199,600	1,650
Average total loans	$170,355,200	2,312
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5748%	6,422
Cost of funding earning assets	0.3486%	6,382
Net interest margin	3.2262%	5,630
Noninterest income to average assets	0.9660%	1,615
Noninterest expense to average assets	2.8194%	3,917
Loan and lease loss provision to assets	0.0257%	5,463
Net operating income to assets	1.1295%	1,982
Return on assets (ROA)	1.1312%	2,174
Pretax return on assets	1.1312%	3,227
Return on Equity (ROE)	12.5602%	1,444
Retained earnings to average equity (ytd only)	12.5602%	432
Net charge-offs to loans	0.0312%	5,207
Credit loss provision to net charge-offs	230.7692%	1,199
Earnings coverage of net charge-offs (x)	103.7667%	406
Efficiency ratio	70.8202%	3,530
Assets per employee ($millions)	3.6436%	4,670
Cash dividends to net income (ytd only)*	0.0000%	3,713
Condition Ratios (%)
Loss allowance to loans	1.5710%	3,639
Loan loss allowance to noncurrent loans	332.7889%	1,125
Noncurrent assets plus other real estate owned to assets	0.2692%	6,027
Noncurrent loans to loans	0.4721%	5,508
Net loans and leases to total assets	34.7706%	6,622
Net loans and leases to deposits	45.1979%	6,441
Net loans and leases to core deposits	48.4843%	6,384
Total domestic deposits to total assets	76.9297%	6,243
Equity capital to assets	9.3804%	5,366
Core capital (leverage) ratio	8.0617%	6,275
Tier 1 risk-based capital ratio	16.6406%	2,923
Total risk-based capital ratio	17.8199%	2,932
Memoranda:
Average total assets	$467,091,500	1,431
Average earning assets	$435,594,250	1,405
Average equity	$42,068,250	1,671
Average total loans	$166,620,000	2,377
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6135%	6,469
Cost of funding earning assets	0.3652%	6,446
Net interest margin	3.2483%	5,599
Noninterest income to average assets	0.9955%	1,479
Noninterest expense to average assets	2.8321%	3,900
Loan and lease loss provision to assets	0.0259%	5,340
Net operating income to assets	1.1680%	1,822
Return on assets (ROA)	1.1702%	2,017
Pretax return on assets	1.1702%	3,045
Return on Equity (ROE)	13.1807%	1,318
Retained earnings to average equity (ytd only)	13.1807%	419
Net charge-offs to loans	0.0253%	5,031
Credit loss provision to net charge-offs	285.7143%	1,023
Earnings coverage of net charge-offs (x)	131.8095%	339
Efficiency ratio	70.2271%	3,728
Assets per employee ($millions)	3.5976%	4,753
Cash dividends to net income (ytd only)*	0.0000%	3,523
Condition Ratios (%)
Loss allowance to loans	1.5488%	3,788
Loan loss allowance to noncurrent loans	295.6278%	1,218
Noncurrent assets plus other real estate owned to assets	0.2908%	6,042
Noncurrent loans to loans	0.5239%	5,472
Net loans and leases to total assets	35.2977%	6,650
Net loans and leases to deposits	45.4812%	6,475
Net loans and leases to core deposits	48.6916%	6,418
Total domestic deposits to total assets	77.6094%	6,229
Equity capital to assets	9.0219%	5,674
Core capital (leverage) ratio	7.8977%	6,372
Tier 1 risk-based capital ratio	15.9554%	3,186
Total risk-based capital ratio	17.1201%	3,199
Memoranda:
Average total assets	$463,684,000	1,438
Average earning assets	$432,599,330	1,412
Average equity	$41,166,330	1,698
Average total loans	$165,955,330	2,392
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6478%	6,513
Cost of funding earning assets	0.3860%	6,480
Net interest margin	3.2617%	5,604
Noninterest income to average assets	0.9762%	1,496
Noninterest expense to average assets	2.8938%	3,647
Loan and lease loss provision to assets	0.0262%	5,024
Net operating income to assets	1.0959%	2,105
Return on assets (ROA)	1.0976%	2,290
Pretax return on assets	1.0976%	3,332
Return on Equity (ROE)	12.4678%	1,536
Retained earnings to average equity (ytd only)	12.4678%	754
Net charge-offs to loans	-0.0366%	6,422
Credit loss provision to net charge-offs	-200.0000%	5,590
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	71.9504%	3,458
Assets per employee ($millions)	3.6267%	4,808
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	1.5909%	3,760
Loan loss allowance to noncurrent loans	240.0545%	1,393
Noncurrent assets plus other real estate owned to assets	0.3365%	6,039
Noncurrent loans to loans	0.6627%	5,322
Net loans and leases to total assets	35.2176%	6,676
Net loans and leases to deposits	44.8839%	6,503
Net loans and leases to core deposits	48.7683%	6,412
Total domestic deposits to total assets	78.4638%	6,196
Equity capital to assets	8.7475%	5,810
Core capital (leverage) ratio	7.7852%	6,426
Tier 1 risk-based capital ratio	15.4633%	3,467
Total risk-based capital ratio	16.6424%	3,471
Memoranda:
Average total assets	$458,087,000	1,457
Average earning assets	$426,891,500	1,437
Average equity	$40,328,000	1,720
Average total loans	$163,804,000	2,427
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0001%	6,452
Cost of funding earning assets	0.4822%	6,607
Net interest margin	3.5179%	5,082
Noninterest income to average assets	0.9986%	1,372
Noninterest expense to average assets	3.0003%	3,589
Loan and lease loss provision to assets	0.0414%	6,060
Net operating income to assets	1.2261%	1,442
Return on assets (ROA)	1.2309%	1,530
Pretax return on assets	1.2309%	2,348
Return on Equity (ROE)	14.0447%	918
Retained earnings to average equity (ytd only)	5.3176%	2,437
Net charge-offs to loans	0.1161%	5,218
Credit loss provision to net charge-offs	97.8261%	3,676
Earnings coverage of net charge-offs (x)	29.9457%	846
Efficiency ratio	70.1827%	3,906
Assets per employee ($millions)	3.4501%	5,134
Cash dividends to net income (ytd only)*	62.1379%	1,468
Condition Ratios (%)
Loss allowance to loans	1.6089%	3,551
Loan loss allowance to noncurrent loans	232.1716%	1,433
Noncurrent assets plus other real estate owned to assets	0.3496%	6,099
Noncurrent loans to loans	0.6930%	5,314
Net loans and leases to total assets	35.1540%	6,807
Net loans and leases to deposits	45.3625%	6,657
Net loans and leases to core deposits	49.0458%	6,589
Total domestic deposits to total assets	77.4958%	6,272
Equity capital to assets	8.8612%	5,719
Core capital (leverage) ratio	7.7182%	6,524
Tier 1 risk-based capital ratio	15.3469%	3,427
Total risk-based capital ratio	16.5406%	3,417
Memoranda:
Average total assets	$434,724,000	1,500
Average earning assets	$403,988,600	1,473
Average equity	$38,099,800	1,770
Average total loans	$158,477,200	2,522
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0559%	6,495
Cost of funding earning assets	0.5006%	6,691
Net interest margin	3.5553%	4,960
Noninterest income to average assets	1.0198%	1,297
Noninterest expense to average assets	3.0382%	3,411
Loan and lease loss provision to assets	0.0558%	5,747
Net operating income to assets	1.2301%	1,576
Return on assets (ROA)	1.2335%	1,666
Pretax return on assets	1.2335%	2,511
Return on Equity (ROE)	14.1155%	1,018
Retained earnings to average equity (ytd only)	2.3290%	4,953
Net charge-offs to loans	-0.0051%	6,716
Credit loss provision to net charge-offs	-3,000.0000%	6,861
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.1483%	3,938
Assets per employee ($millions)	3.4338%	5,157
Cash dividends to net income (ytd only)*	83.5007%	545
Condition Ratios (%)
Loss allowance to loans	1.7787%	3,016
Loan loss allowance to noncurrent loans	266.2846%	1,171
Noncurrent assets plus other real estate owned to assets	0.3378%	6,224
Noncurrent loans to loans	0.6680%	5,548
Net loans and leases to total assets	34.4897%	6,928
Net loans and leases to deposits	44.6323%	6,804
Net loans and leases to core deposits	48.3512%	6,747
Total domestic deposits to total assets	77.2753%	6,335
Equity capital to assets	9.2757%	5,414
Core capital (leverage) ratio	7.4544%	6,786
Tier 1 risk-based capital ratio	15.1528%	3,578
Total risk-based capital ratio	16.4038%	3,542
Memoranda:
Average total assets	$430,415,000	1,528
Average earning assets	$400,035,750	1,506
Average equity	$37,612,500	1,795
Average total loans	$157,726,500	2,552
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1019%	6,490
Cost of funding earning assets	0.5143%	6,800
Net interest margin	3.5876%	4,764
Noninterest income to average assets	0.9984%	1,322
Noninterest expense to average assets	3.0916%	3,286
Loan and lease loss provision to assets	0.0847%	5,251
Net operating income to assets	1.1536%	1,707
Return on assets (ROA)	1.1536%	1,786
Pretax return on assets	1.1536%	2,660
Return on Equity (ROE)	13.4918%	1,091
Retained earnings to average equity (ytd only)	-0.8144%	6,019
Net charge-offs to loans	0.0139%	5,648
Credit loss provision to net charge-offs	1,636.3636%	212
Earnings coverage of net charge-offs (x)	239.2727%	145
Efficiency ratio	71.2811%	3,883
Assets per employee ($millions)	3.1708%	5,697
Cash dividends to net income (ytd only)*	106.0359%	398
Condition Ratios (%)
Loss allowance to loans	1.7984%	2,997
Loan loss allowance to noncurrent loans	247.1900%	1,250
Noncurrent assets plus other real estate owned to assets	0.4171%	6,105
Noncurrent loans to loans	0.7275%	5,458
Net loans and leases to total assets	34.8315%	7,024
Net loans and leases to deposits	45.7712%	6,838
Net loans and leases to core deposits	49.3324%	6,793
Total domestic deposits to total assets	76.0992%	6,587
Equity capital to assets	8.9866%	5,595
Core capital (leverage) ratio	7.4540%	6,775
Tier 1 risk-based capital ratio	15.1288%	3,433
Total risk-based capital ratio	16.3797%	3,399
Memoranda:
Average total assets	$425,089,670	1,556
Average earning assets	$394,746,670	1,532
Average equity	$36,348,000	1,840
Average total loans	$158,053,000	2,568
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1072%	6,487
Cost of funding earning assets	0.5238%	6,886
Net interest margin	3.5834%	4,648
Noninterest income to average assets	0.9666%	1,416
Noninterest expense to average assets	3.1054%	3,225
Loan and lease loss provision to assets	0.0856%	4,933
Net operating income to assets	1.1017%	1,838
Return on assets (ROA)	1.1017%	1,887
Pretax return on assets	1.1017%	2,749
Return on Equity (ROE)	13.2332%	1,142
Retained earnings to average equity (ytd only)	-16.4786%	7,081
Net charge-offs to loans	0.0100%	4,958
Credit loss provision to net charge-offs	2,250.0000%	172
Earnings coverage of net charge-offs (x)	312.0000%	93
Efficiency ratio	72.2296%	3,815
Assets per employee ($millions)	3.2369%	5,625
Cash dividends to net income (ytd only)*	224.5250%	164
Condition Ratios (%)
Loss allowance to loans	1.6913%	3,367
Loan loss allowance to noncurrent loans	257.2249%	1,174
Noncurrent assets plus other real estate owned to assets	0.4063%	6,189
Noncurrent loans to loans	0.6575%	5,714
Net loans and leases to total assets	36.5681%	6,977
Net loans and leases to deposits	47.9803%	6,760
Net loans and leases to core deposits	51.7777%	6,691
Total domestic deposits to total assets	76.2149%	6,637
Equity capital to assets	8.0876%	6,401
Core capital (leverage) ratio	6.9869%	7,016
Tier 1 risk-based capital ratio	13.7012%	4,281
Total risk-based capital ratio	14.9515%	4,256
Memoranda:
Average total assets	$420,433,000	1,585
Average earning assets	$390,240,000	1,552
Average equity	$35,003,000	1,896
Average total loans	$160,039,500	2,561
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5850%	6,154
Cost of funding earning assets	0.6237%	7,073
Net interest margin	3.9614%	3,207
Noninterest income to average assets	1.0906%	1,257
Noninterest expense to average assets	3.4217%	2,375
Loan and lease loss provision to assets	0.1272%	5,890
Net operating income to assets	1.1831%	1,450
Return on assets (ROA)	1.2200%	1,440
Pretax return on assets	1.2200%	2,159
Return on Equity (ROE)	13.2311%	1,036
Retained earnings to average equity (ytd only)	2.0495%	4,439
Net charge-offs to loans	0.3206%	4,418
Credit loss provision to net charge-offs	93.0233%	4,986
Earnings coverage of net charge-offs (x)	9.5814%	1,804
Efficiency ratio	72.1855%	3,753
Assets per employee ($millions)	3.1572%	5,762
Cash dividends to net income (ytd only)*	84.5101%	718
Condition Ratios (%)
Loss allowance to loans	1.6147%	3,521
Loan loss allowance to noncurrent loans	231.7008%	1,324
Noncurrent assets plus other real estate owned to assets	0.4405%	6,170
Noncurrent loans to loans	0.6969%	5,656
Net loans and leases to total assets	38.3332%	7,062
Net loans and leases to deposits	50.1464%	6,849
Net loans and leases to core deposits	54.0827%	6,810
Total domestic deposits to total assets	76.4424%	6,578
Equity capital to assets	8.5712%	5,760
Core capital (leverage) ratio	7.5833%	6,633
Tier 1 risk-based capital ratio	14.3939%	3,618
Total risk-based capital ratio	15.6390%	3,574
Memoranda:
Average total assets	$377,299,000	1,747
Average earning assets	$346,823,600	1,724
Average equity	$34,789,200	1,902
Average total loans	$160,926,600	2,608
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6724%	6,117
Cost of funding earning assets	0.6414%	7,197
Net interest margin	4.0310%	2,952
Noninterest income to average assets	1.1065%	1,151
Noninterest expense to average assets	3.5021%	2,029
Loan and lease loss provision to assets	0.1304%	5,726
Net operating income to assets	1.1695%	1,674
Return on assets (ROA)	1.2199%	1,612
Pretax return on assets	1.2199%	2,422
Return on Equity (ROE)	12.9733%	1,258
Retained earnings to average equity (ytd only)	-2.0063%	6,201
Net charge-offs to loans	0.3829%	3,764
Credit loss provision to net charge-offs	77.9221%	5,197
Earnings coverage of net charge-offs (x)	7.7706%	2,271
Efficiency ratio	72.8095%	3,555
Assets per employee ($millions)	3.1164%	5,887
Cash dividends to net income (ytd only)*	115.4645%	248
Condition Ratios (%)
Loss allowance to loans	1.5978%	3,531
Loan loss allowance to noncurrent loans	238.6129%	1,223
Noncurrent assets plus other real estate owned to assets	0.4393%	6,328
Noncurrent loans to loans	0.6696%	5,862
Net loans and leases to total assets	39.0029%	7,129
Net loans and leases to deposits	51.2124%	6,931
Net loans and leases to core deposits	55.6203%	6,880
Total domestic deposits to total assets	76.1590%	6,629
Equity capital to assets	8.6793%	6,056
Core capital (leverage) ratio	7.1294%	7,097
Tier 1 risk-based capital ratio	13.0275%	4,558
Total risk-based capital ratio	14.2689%	4,541
Memoranda:
Average total assets	$368,225,000	1,801
Average earning assets	$337,574,750	1,797
Average equity	$34,624,000	1,937
Average total loans	$160,871,750	2,643
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7605%	5,928
Cost of funding earning assets	0.6616%	7,275
Net interest margin	4.0989%	2,562
Noninterest income to average assets	1.0735%	1,167
Noninterest expense to average assets	3.5993%	1,782
Loan and lease loss provision to assets	0.1345%	5,545
Net operating income to assets	1.0853%	1,905
Return on assets (ROA)	1.1620%	1,728
Pretax return on assets	1.1620%	2,547
Return on Equity (ROE)	12.0111%	1,454
Retained earnings to average equity (ytd only)	-0.3243%	5,797
Net charge-offs to loans	0.5366%	2,920
Credit loss provision to net charge-offs	55.4273%	5,310
Earnings coverage of net charge-offs (x)	5.0277%	2,774
Efficiency ratio	74.5611%	3,355
Assets per employee ($millions)	2.7192%	6,749
Cash dividends to net income (ytd only)*	102.7001%	433
Condition Ratios (%)
Loss allowance to loans	1.5395%	3,714
Loan loss allowance to noncurrent loans	70.3192%	3,840
Noncurrent assets plus other real estate owned to assets	1.1270%	4,882
Noncurrent loans to loans	2.1894%	3,492
Net loans and leases to total assets	42.2829%	7,026
Net loans and leases to deposits	53.6904%	6,883
Net loans and leases to core deposits	57.2131%	6,877
Total domestic deposits to total assets	78.7532%	6,100
Equity capital to assets	9.3219%	4,975
Core capital (leverage) ratio	7.8120%	6,479
Tier 1 risk-based capital ratio	13.6678%	3,964
Total risk-based capital ratio	14.8975%	3,938
Memoranda:
Average total assets	$356,962,000	1,877
Average earning assets	$326,186,000	1,865
Average equity	$34,534,670	1,934
Average total loans	$161,381,330	2,677
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7813%	5,963
Cost of funding earning assets	0.6891%	7,356
Net interest margin	4.0922%	2,474
Noninterest income to average assets	1.0475%	1,164
Noninterest expense to average assets	3.6105%	1,709
Loan and lease loss provision to assets	0.1369%	5,195
Net operating income to assets	1.0407%	2,030
Return on assets (ROA)	1.0407%	2,091
Pretax return on assets	1.0407%	2,930
Return on Equity (ROE)	10.5540%	1,922
Retained earnings to average equity (ytd only)	2.4533%	4,661
Net charge-offs to loans	0.4525%	2,690
Credit loss provision to net charge-offs	65.2174%	4,198
Earnings coverage of net charge-offs (x)	5.6087%	2,361
Efficiency ratio	75.2860%	3,349
Assets per employee ($millions)	2.5924%	7,053
Cash dividends to net income (ytd only)*	76.7544%	908
Condition Ratios (%)
Loss allowance to loans	1.5985%	3,450
Loan loss allowance to noncurrent loans	211.6776%	1,346
Noncurrent assets plus other real estate owned to assets	0.5409%	6,146
Noncurrent loans to loans	0.7552%	5,816
Net loans and leases to total assets	44.9425%	6,907
Net loans and leases to deposits	56.4366%	6,739
Net loans and leases to core deposits	61.0939%	6,667
Total domestic deposits to total assets	79.6336%	5,906
Equity capital to assets	9.7967%	4,113
Core capital (leverage) ratio	8.1298%	6,023
Tier 1 risk-based capital ratio	13.9583%	3,684
Total risk-based capital ratio	15.2092%	3,645
Memoranda:
Average total assets	$350,535,000	1,956
Average earning assets	$320,414,000	1,945
Average equity	$34,565,000	1,950
Average total loans	$162,665,000	2,729
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0228%	6,363
Cost of funding earning assets	0.9219%	7,356
Net interest margin	4.1009%	2,443
Noninterest income to average assets	1.1847%	1,097
Noninterest expense to average assets	3.6377%	2,064
Loan and lease loss provision to assets	0.2009%	5,734
Net operating income to assets	1.1027%	1,506
Return on assets (ROA)	1.1053%	1,535
Pretax return on assets	1.1053%	2,234
Return on Equity (ROE)	12.2479%	1,100
Retained earnings to average equity (ytd only)	6.2861%	1,235
Net charge-offs to loans	0.1625%	5,654
Credit loss provision to net charge-offs	263.1579%	1,334
Earnings coverage of net charge-offs (x)	17.0789%	1,210
Efficiency ratio	73.4917%	4,000
Assets per employee ($millions)	2.5625%	7,103
Cash dividends to net income (ytd only)*	48.6760%	2,537
Condition Ratios (%)
Loss allowance to loans	1.6056%	3,264
Loan loss allowance to noncurrent loans	124.9053%	2,263
Noncurrent assets plus other real estate owned to assets	0.6060%	5,940
Noncurrent loans to loans	1.2854%	4,783
Net loans and leases to total assets	46.3886%	6,940
Net loans and leases to deposits	58.1050%	6,776
Net loans and leases to core deposits	70.2621%	6,758
Total domestic deposits to total assets	79.8358%	5,716
Equity capital to assets	9.9253%	3,869
Core capital (leverage) ratio	8.1798%	5,850
Tier 1 risk-based capital ratio	13.5758%	3,777
Total risk-based capital ratio	14.8265%	3,719
Memoranda:
Average total assets	$348,517,800	1,955
Average earning assets	$319,244,200	1,951
Average equity	$31,450,400	2,128
Average total loans	$163,646,200	2,707
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0608%	6,416
Cost of funding earning assets	0.9646%	7,457
Net interest margin	4.0962%	2,412
Noninterest income to average assets	1.1913%	1,094
Noninterest expense to average assets	3.6389%	1,943
Loan and lease loss provision to assets	0.1989%	5,401
Net operating income to assets	1.1033%	1,722
Return on assets (ROA)	1.1060%	1,774
Pretax return on assets	1.1106%	2,532
Return on Equity (ROE)	12.5697%	1,214
Retained earnings to average equity (ytd only)	4.4174%	2,801
Net charge-offs to loans	0.1395%	5,308
Credit loss provision to net charge-offs	304.0936%	1,356
Earnings coverage of net charge-offs (x)	19.9770%	1,257
Efficiency ratio	73.4530%	3,966
Assets per employee ($millions)	2.5387%	7,166
Cash dividends to net income (ytd only)*	64.8565%	1,435
Condition Ratios (%)
Loss allowance to loans	1.5804%	3,074
Loan loss allowance to noncurrent loans	194.8855%	1,508
Noncurrent assets plus other real estate owned to assets	0.3867%	6,489
Noncurrent loans to loans	0.8109%	5,682
Net loans and leases to total assets	46.0501%	7,108
Net loans and leases to deposits	58.5275%	6,934
Net loans and leases to core deposits	72.3508%	6,823
Total domestic deposits to total assets	78.6811%	5,900
Equity capital to assets	9.3185%	5,004
Core capital (leverage) ratio	7.4083%	7,072
Tier 1 risk-based capital ratio	12.5099%	4,532
Total risk-based capital ratio	13.7603%	4,487
Memoranda:
Average total assets	$348,521,250	1,965
Average earning assets	$319,441,250	1,964
Average equity	$30,665,500	2,209
Average total loans	$163,481,750	2,735
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0991%	6,445
Cost of funding earning assets	1.0137%	7,526
Net interest margin	4.0854%	2,373
Noninterest income to average assets	1.2002%	1,083
Noninterest expense to average assets	3.6321%	1,998
Loan and lease loss provision to assets	0.1945%	5,111
Net operating income to assets	1.1064%	1,751
Return on assets (ROA)	1.1104%	1,817
Pretax return on assets	1.1173%	2,572
Return on Equity (ROE)	12.8701%	1,207
Retained earnings to average equity (ytd only)	4.2834%	2,917
Net charge-offs to loans	0.0914%	5,273
Credit loss provision to net charge-offs	453.3333%	1,027
Earnings coverage of net charge-offs (x)	30.4800%	988
Efficiency ratio	73.3990%	4,126
Assets per employee ($millions)	2.5392%	7,176
Cash dividends to net income (ytd only)*	66.7182%	1,469
Condition Ratios (%)
Loss allowance to loans	1.4976%	3,215
Loan loss allowance to noncurrent loans	94.3829%	3,051
Noncurrent assets plus other real estate owned to assets	0.7486%	5,534
Noncurrent loans to loans	1.5867%	4,117
Net loans and leases to total assets	46.0313%	7,188
Net loans and leases to deposits	60.2657%	6,867
Net loans and leases to core deposits	73.2511%	6,828
Total domestic deposits to total assets	76.3805%	6,471
Equity capital to assets	8.5583%	5,960
Core capital (leverage) ratio	7.1510%	7,404
Tier 1 risk-based capital ratio	12.0885%	4,840
Total risk-based capital ratio	13.3021%	4,794
Memoranda:
Average total assets	$349,608,000	1,979
Average earning assets	$320,018,330	1,983
Average equity	$30,163,000	2,250
Average total loans	$164,127,000	2,754
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1589%	6,451
Cost of funding earning assets	1.0782%	7,548
Net interest margin	4.0807%	2,354
Noninterest income to average assets	1.1853%	1,036
Noninterest expense to average assets	3.4431%	2,250
Loan and lease loss provision to assets	0.1839%	4,601
Net operating income to assets	1.2819%	1,426
Return on assets (ROA)	1.2876%	1,508
Pretax return on assets	1.3014%	2,280
Return on Equity (ROE)	14.8632%	1,000
Retained earnings to average equity (ytd only)	5.2419%	2,996
Net charge-offs to loans	0.0269%	5,154
Credit loss provision to net charge-offs	1,454.5455%	442
Earnings coverage of net charge-offs (x)	117.0000%	372
Efficiency ratio	69.8272%	4,620
Assets per employee ($millions)	2.5460%	7,189
Cash dividends to net income (ytd only)*	64.7321%	1,379
Condition Ratios (%)
Loss allowance to loans	1.4066%	3,462
Loan loss allowance to noncurrent loans	195.5943%	1,687
Noncurrent assets plus other real estate owned to assets	0.3648%	6,414
Noncurrent loans to loans	0.7192%	5,618
Net loans and leases to total assets	46.6035%	7,145
Net loans and leases to deposits	59.0847%	6,969
Net loans and leases to core deposits	73.5810%	6,830
Total domestic deposits to total assets	78.8758%	5,774
Equity capital to assets	8.5170%	6,048
Core capital (leverage) ratio	7.1596%	7,517
Tier 1 risk-based capital ratio	11.9464%	5,006
Total risk-based capital ratio	13.1009%	4,988
Memoranda:
Average total assets	$347,939,500	1,997
Average earning assets	$318,670,000	2,000
Average equity	$30,141,500	2,264
Average total loans	$163,723,000	2,786
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6112%	7,027
Cost of funding earning assets	1.6802%	7,303
Net interest margin	3.9311%	3,442
Noninterest income to average assets	1.2490%	949
Noninterest expense to average assets	3.5081%	2,375
Loan and lease loss provision to assets	0.0939%	6,189
Net operating income to assets	1.2268%	1,696
Return on assets (ROA)	1.2988%	1,439
Pretax return on assets	1.2991%	2,316
Return on Equity (ROE)	15.9580%	782
Retained earnings to average equity (ytd only)	4.1775%	2,528
Net charge-offs to loans	0.1761%	4,438
Credit loss provision to net charge-offs	116.3569%	4,635
Earnings coverage of net charge-offs (x)	16.3643%	1,847
Efficiency ratio	72.5764%	3,832
Assets per employee ($millions)	2.5332%	7,144
Cash dividends to net income (ytd only)*	73.8216%	1,999
Condition Ratios (%)
Loss allowance to loans	1.3761%	3,328
Loan loss allowance to noncurrent loans	173.1343%	2,194
Noncurrent assets plus other real estate owned to assets	0.3845%	6,089
Noncurrent loans to loans	0.7948%	5,052
Net loans and leases to total assets	46.1898%	7,312
Net loans and leases to deposits	59.2001%	7,142
Net loans and leases to core deposits	73.7294%	6,984
Total domestic deposits to total assets	78.0231%	5,704
Equity capital to assets	8.8138%	5,628
Core capital (leverage) ratio	7.1874%	7,532
Tier 1 risk-based capital ratio	12.1696%	4,693
Total risk-based capital ratio	13.2896%	4,675
Memoranda:
Average total assets	$333,229,800	2,005
Average earning assets	$303,481,200	2,013
Average equity	$27,121,200	2,466
Average total loans	$152,731,000	2,875