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First State Bank of Forrest, 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	5.4004%	2,330
Cost of funding earning assets	2.5775%	1,002
Net interest margin	2.8229%	3,446
Noninterest income to average assets	0.3400%	2,807
Noninterest expense to average assets	2.3633%	2,681
Loan and lease loss provision to assets	0.0900%	1,528
Net operating income to assets	0.5881%	3,262
Return on assets (ROA)	0.5881%	3,276
Pretax return on assets	0.5921%	3,476
Return on Equity (ROE)	6.9300%	3,042
Retained earnings to average equity (ytd only)	3.1048%	3,004
Net charge-offs to loans	0.0245%	2,085
Credit loss provision to net charge-offs	436.5079%	705
Earnings coverage of net charge-offs (x)	32.4603%	1,484
Efficiency ratio	77.5521%	1,240
Assets per employee ($millions)	5.3446%	3,408
Cash dividends to net income (ytd only)*	55.1763%	1,403
Condition Ratios (%)
Loss allowance to loans	0.9566%	3,433
Loan loss allowance to noncurrent loans	61.7299%	3,361
Noncurrent assets plus other real estate owned to assets	1.3321%	455
Noncurrent loans to loans	1.5496%	612
Net loans and leases to total assets	85.1400%	204
Net loans and leases to deposits	102.1226%	399
Net loans and leases to core deposits	115.8268%	730
Total domestic deposits to total assets	83.3700%	2,943
Equity capital to assets	8.5885%	3,125
Core capital (leverage) ratio	8.8471%	3,845
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.2818%	2,445
Memoranda:
Average total assets	$298,951,600	2,467
Average earning assets	$287,217,800	2,414
Average equity	$25,380,000	2,607
Average total loans	$256,862,600	2,040
2024-09-30		Rank
Percentage of unprofitable institutions	0.0000%	305
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3118%	2,432
Cost of funding earning assets	2.5466%	1,076
Net interest margin	2.7652%	3,501
Noninterest income to average assets	0.3000%	3,043
Noninterest expense to average assets	2.3776%	2,587
Loan and lease loss provision to assets	0.1000%	1,278
Net operating income to assets	0.4790%	3,512
Return on assets (ROA)	0.4790%	3,548
Pretax return on assets	0.4830%	3,674
Return on Equity (ROE)	5.6600%	3,389
Retained earnings to average equity (ytd only)	0.5237%	3,843
Net charge-offs to loans	0.0245%	1,847
Credit loss provision to net charge-offs	478.7234%	646
Earnings coverage of net charge-offs (x)	27.7234%	1,577
Efficiency ratio	80.2845%	1,058
Assets per employee ($millions)	5.2623%	3,475
Cash dividends to net income (ytd only)*	90.7390%	346
Condition Ratios (%)
Loss allowance to loans	0.9533%	3,464
Loan loss allowance to noncurrent loans	59.1007%	3,458
Noncurrent assets plus other real estate owned to assets	1.4179%	389
Noncurrent loans to loans	1.6130%	564
Net loans and leases to total assets	85.6000%	166
Net loans and leases to deposits	102.8000%	364
Net loans and leases to core deposits	116.2706%	721
Total domestic deposits to total assets	83.2600%	2,772
Equity capital to assets	8.5675%	3,351
Core capital (leverage) ratio	8.7174%	3,956
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.0971%	2,528
Memoranda:
Average total assets	$297,549,000	2,470
Average earning assets	$286,024,000	2,420
Average equity	$25,203,500	2,613
Average total loans	$255,609,250	2,032
2024-06-30		Rank
Percentage of unprofitable institutions	0.0000%	306
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2074%	2,541
Cost of funding earning assets	2.4790%	1,122
Net interest margin	2.7285%	3,541
Noninterest income to average assets	0.2900%	3,062
Noninterest expense to average assets	2.3070%	2,773
Loan and lease loss provision to assets	0.0800%	1,436
Net operating income to assets	0.5149%	3,396
Return on assets (ROA)	0.5149%	3,423
Pretax return on assets	0.5190%	3,593
Return on Equity (ROE)	6.1000%	3,251
Retained earnings to average equity (ytd only)	-0.7668%	4,031
Net charge-offs to loans	0.0071%	2,158
Credit loss provision to net charge-offs	1,388.8889%	313
Earnings coverage of net charge-offs (x)	99.4444%	775
Efficiency ratio	79.2728%	1,186
Assets per employee ($millions)	5.2308%	3,425
Cash dividends to net income (ytd only)*	112.5654%	260
Condition Ratios (%)
Loss allowance to loans	0.9293%	3,587
Loan loss allowance to noncurrent loans	52.3956%	3,545
Noncurrent assets plus other real estate owned to assets	1.5546%	316
Noncurrent loans to loans	1.7737%	447
Net loans and leases to total assets	85.2400%	208
Net loans and leases to deposits	102.1915%	446
Net loans and leases to core deposits	115.5112%	772
Total domestic deposits to total assets	83.4100%	2,760
Equity capital to assets	8.4073%	3,160
Core capital (leverage) ratio	8.8003%	3,890
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.2374%	2,505
Memoranda:
Average total assets	$296,749,000	2,468
Average earning assets	$285,360,667	2,411
Average equity	$25,038,667	2,586
Average total loans	$254,407,667	2,036
2024-03-31		Rank
Percentage of unprofitable institutions	0.0000%	11
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1735%	2,457
Cost of funding earning assets	2.4602%	1,060
Net interest margin	2.7133%	3,543
Noninterest income to average assets	0.2800%	3,064
Noninterest expense to average assets	2.2307%	2,985
Loan and lease loss provision to assets	0.1000%	1,031
Net operating income to assets	0.5472%	3,281
Return on assets (ROA)	0.5472%	3,311
Pretax return on assets	0.5513%	3,478
Return on Equity (ROE)	6.4700%	3,086
Retained earnings to average equity (ytd only)	-5.5146%	4,158
Net charge-offs to loans	0.0111%	1,681
Credit loss provision to net charge-offs	1,071.4286%	323
Earnings coverage of net charge-offs (x)	69.0000%	831
Efficiency ratio	77.3664%	1,415
Assets per employee ($millions)	5.2743%	3,444
Cash dividends to net income (ytd only)*	185.1852%	201
Condition Ratios (%)
Loss allowance to loans	0.9153%	3,646
Loan loss allowance to noncurrent loans	121.8266%	2,958
Noncurrent assets plus other real estate owned to assets	0.6677%	951
Noncurrent loans to loans	0.7513%	1,191
Net loans and leases to total assets	86.5300%	133
Net loans and leases to deposits	102.1985%	395
Net loans and leases to core deposits	116.1198%	751
Total domestic deposits to total assets	84.6700%	2,516
Equity capital to assets	8.4087%	3,075
Core capital (leverage) ratio	8.7523%	3,914
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	11.9676%	2,591
Memoranda:
Average total assets	$296,045,500	2,485
Average earning assets	$284,529,500	2,421
Average equity	$25,024,500	2,599
Average total loans	$253,348,500	2,035
2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6715%	2,737
Cost of funding earning assets	1.6275%	1,616
Net interest margin	3.0440%	3,193
Noninterest income to average assets	0.2900%	3,180
Noninterest expense to average assets	2.2332%	3,033
Loan and lease loss provision to assets	0.1300%	985
Net operating income to assets	0.8514%	2,699
Return on assets (ROA)	0.8514%	2,676
Pretax return on assets	0.8556%	3,080
Return on Equity (ROE)	10.0500%	2,482
Retained earnings to average equity (ytd only)	5.5689%	2,387
Net charge-offs to loans	0.0805%	1,056
Credit loss provision to net charge-offs	189.7436%	1,262
Earnings coverage of net charge-offs (x)	14.3744%	2,082
Efficiency ratio	69.3762%	1,974
Assets per employee ($millions)	5.2058%	3,469
Cash dividends to net income (ytd only)*	44.6097%	1,875
Condition Ratios (%)
Loss allowance to loans	0.9218%	3,638
Loan loss allowance to noncurrent loans	118.3179%	3,101
Noncurrent assets plus other real estate owned to assets	0.6646%	803
Noncurrent loans to loans	0.7791%	997
Net loans and leases to total assets	83.0600%	339
Net loans and leases to deposits	98.1181%	644
Net loans and leases to core deposits	111.5865%	896
Total domestic deposits to total assets	84.6500%	2,420
Equity capital to assets	8.4828%	3,068
Core capital (leverage) ratio	8.8597%	3,857
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.4737%	2,426
Memoranda:
Average total assets	$284,350,600	2,501
Average earning assets	$273,487,200	2,442
Average equity	$24,080,200	2,573
Average total loans	$242,356,000	2,048
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5451%	2,810
Cost of funding earning assets	1.4205%	1,811
Net interest margin	3.1246%	3,094
Noninterest income to average assets	0.2900%	3,187
Noninterest expense to average assets	2.1996%	3,077
Loan and lease loss provision to assets	0.0400%	2,145
Net operating income to assets	1.0462%	2,231
Return on assets (ROA)	1.0462%	2,217
Pretax return on assets	1.0505%	2,712
Return on Equity (ROE)	12.3600%	2,037
Retained earnings to average equity (ytd only)	6.3116%	2,532
Net charge-offs to loans	0.0969%	804
Credit loss provision to net charge-offs	51.4286%	1,886
Earnings coverage of net charge-offs (x)	13.1771%	2,045
Efficiency ratio	66.8010%	2,177
Assets per employee ($millions)	5.0735%	3,554
Cash dividends to net income (ytd only)*	48.9352%	1,296
Condition Ratios (%)
Loss allowance to loans	0.8084%	3,965
Loan loss allowance to noncurrent loans	111.7033%	3,107
Noncurrent assets plus other real estate owned to assets	0.6515%	876
Noncurrent loans to loans	0.7237%	1,148
Net loans and leases to total assets	86.2600%	147
Net loans and leases to deposits	101.9966%	435
Net loans and leases to core deposits	114.5535%	710
Total domestic deposits to total assets	84.5700%	2,629
Equity capital to assets	8.4039%	2,788
Core capital (leverage) ratio	9.0580%	3,722
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.2300%	2,536
Memoranda:
Average total assets	$281,255,500	2,520
Average earning assets	$270,702,500	2,467
Average equity	$23,807,500	2,579
Average total loans	$240,756,500	2,056
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4050%	2,878
Cost of funding earning assets	1.2638%	1,815
Net interest margin	3.1412%	3,133
Noninterest income to average assets	0.2700%	3,288
Noninterest expense to average assets	2.1973%	3,087
Loan and lease loss provision to assets	0.0400%	2,074
Net operating income to assets	1.0531%	2,254
Return on assets (ROA)	1.0531%	2,250
Pretax return on assets	1.0574%	2,756
Return on Equity (ROE)	12.4100%	2,038
Retained earnings to average equity (ytd only)	4.2043%	3,157
Net charge-offs to loans	0.1501%	518
Credit loss provision to net charge-offs	33.7079%	1,729
Earnings coverage of net charge-offs (x)	8.6124%	2,051
Efficiency ratio	66.6304%	2,164
Assets per employee ($millions)	5.3185%	3,310
Cash dividends to net income (ytd only)*	66.1213%	824
Condition Ratios (%)
Loss allowance to loans	0.8207%	3,971
Loan loss allowance to noncurrent loans	99.7506%	3,268
Noncurrent assets plus other real estate owned to assets	0.7244%	714
Noncurrent loans to loans	0.8227%	932
Net loans and leases to total assets	85.7400%	165
Net loans and leases to deposits	100.4271%	496
Net loans and leases to core deposits	110.2607%	816
Total domestic deposits to total assets	85.3800%	2,432
Equity capital to assets	8.4997%	2,866
Core capital (leverage) ratio	9.0038%	3,760
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.4237%	2,494
Memoranda:
Average total assets	$278,611,667	2,535
Average earning assets	$268,239,667	2,485
Average equity	$23,642,333	2,591
Average total loans	$237,179,667	2,068
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2690%	2,879
Cost of funding earning assets	1.1168%	1,708
Net interest margin	3.1522%	3,227
Noninterest income to average assets	0.2500%	3,431
Noninterest expense to average assets	2.2818%	2,868
Loan and lease loss provision to assets	0.0400%	1,925
Net operating income to assets	0.9575%	2,663
Return on assets (ROA)	0.9575%	2,626
Pretax return on assets	0.9618%	3,096
Return on Equity (ROE)	11.2900%	2,413
Retained earnings to average equity (ytd only)	-1.4819%	4,167
Net charge-offs to loans	0.0804%	665
Credit loss provision to net charge-offs	63.8298%	1,270
Earnings coverage of net charge-offs (x)	14.8085%	1,561
Efficiency ratio	69.4200%	1,810
Assets per employee ($millions)	5.2905%	3,427
Cash dividends to net income (ytd only)*	113.1222%	365
Condition Ratios (%)
Loss allowance to loans	0.8931%	3,875
Loan loss allowance to noncurrent loans	138.9550%	3,051
Noncurrent assets plus other real estate owned to assets	0.5435%	950
Noncurrent loans to loans	0.6427%	1,170
Net loans and leases to total assets	83.1500%	288
Net loans and leases to deposits	95.7386%	665
Net loans and leases to core deposits	104.3633%	905
Total domestic deposits to total assets	86.8500%	2,319
Equity capital to assets	8.4163%	2,956
Core capital (leverage) ratio	8.9130%	3,806
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.4470%	2,584
Memoranda:
Average total assets	$276,977,000	2,576
Average earning assets	$266,479,000	2,523
Average equity	$23,484,000	2,624
Average total loans	$233,920,500	2,102
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8273%	2,200
Cost of funding earning assets	0.4903%	1,465
Net interest margin	3.3370%	2,464
Noninterest income to average assets	0.3300%	3,139
Noninterest expense to average assets	2.1511%	3,154
Loan and lease loss provision to assets	0.1200%	1,028
Net operating income to assets	1.2731%	1,520
Return on assets (ROA)	1.2731%	1,477
Pretax return on assets	1.2777%	2,168
Return on Equity (ROE)	15.1400%	1,223
Retained earnings to average equity (ytd only)	11.7961%	712
Net charge-offs to loans	0.0210%	1,663
Credit loss provision to net charge-offs	663.0435%	558
Earnings coverage of net charge-offs (x)	80.1522%	1,086
Efficiency ratio	60.6972%	2,960
Assets per employee ($millions)	5.1615%	3,546
Cash dividends to net income (ytd only)*	22.1068%	2,802
Condition Ratios (%)
Loss allowance to loans	0.9107%	3,730
Loan loss allowance to noncurrent loans	149.1549%	2,974
Noncurrent assets plus other real estate owned to assets	0.5246%	963
Noncurrent loans to loans	0.6105%	1,223
Net loans and leases to total assets	84.2500%	236
Net loans and leases to deposits	97.2713%	571
Net loans and leases to core deposits	103.6502%	833
Total domestic deposits to total assets	86.6100%	2,531
Equity capital to assets	8.5426%	2,682
Core capital (leverage) ratio	9.0303%	3,655
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.6003%	2,527
Memoranda:
Average total assets	$264,699,800	2,637
Average earning assets	$255,167,400	2,576
Average equity	$22,253,200	2,751
Average total loans	$219,235,200	2,111
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6989%	2,053
Cost of funding earning assets	0.4195%	1,158
Net interest margin	3.2794%	2,362
Noninterest income to average assets	0.3400%	3,099
Noninterest expense to average assets	2.1898%	2,960
Loan and lease loss provision to assets	0.0500%	1,750
Net operating income to assets	1.2602%	1,493
Return on assets (ROA)	1.2602%	1,458
Pretax return on assets	1.2648%	2,157
Return on Equity (ROE)	15.0500%	1,161
Retained earnings to average equity (ytd only)	10.5333%	1,186
Net charge-offs to loans	0.0173%	1,497
Credit loss provision to net charge-offs	321.4286%	785
Earnings coverage of net charge-offs (x)	92.1429%	984
Efficiency ratio	62.5599%	2,756
Assets per employee ($millions)	4.9433%	3,722
Cash dividends to net income (ytd only)*	30.0282%	2,026
Condition Ratios (%)
Loss allowance to loans	0.8326%	4,017
Loan loss allowance to noncurrent loans	123.4576%	3,206
Noncurrent assets plus other real estate owned to assets	0.5723%	927
Noncurrent loans to loans	0.6744%	1,210
Net loans and leases to total assets	84.1500%	233
Net loans and leases to deposits	96.6934%	519
Net loans and leases to core deposits	102.9037%	703
Total domestic deposits to total assets	87.0300%	2,749
Equity capital to assets	8.1091%	2,830
Core capital (leverage) ratio	8.8865%	3,719
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.1643%	2,764
Memoranda:
Average total assets	$262,485,500	2,671
Average earning assets	$253,295,000	2,615
Average equity	$21,974,250	2,824
Average total loans	$215,898,750	2,131
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5803%	1,903
Cost of funding earning assets	0.3766%	1,074
Net interest margin	3.2037%	2,176
Noninterest income to average assets	0.3609%	2,988
Noninterest expense to average assets	2.3026%	2,545
Loan and lease loss provision to assets	0.0463%	1,737
Net operating income to assets	1.0973%	1,777
Return on assets (ROA)	1.0973%	1,755
Pretax return on assets	1.1020%	2,406
Return on Equity (ROE)	12.9658%	1,387
Retained earnings to average equity (ytd only)	7.1526%	1,935
Net charge-offs to loans	0.0019%	2,038
Credit loss provision to net charge-offs	3,000.0000%	173
Earnings coverage of net charge-offs (x)	744.5000%	190
Efficiency ratio	66.7263%	2,408
Assets per employee ($millions)	4.7085%	3,925
Cash dividends to net income (ytd only)*	44.8349%	1,524
Condition Ratios (%)
Loss allowance to loans	0.8644%	4,053
Loan loss allowance to noncurrent loans	108.6735%	3,321
Noncurrent assets plus other real estate owned to assets	0.6690%	818
Noncurrent loans to loans	0.7954%	1,080
Net loans and leases to total assets	83.3811%	211
Net loans and leases to deposits	95.7382%	443
Net loans and leases to core deposits	98.9001%	718
Total domestic deposits to total assets	87.0929%	2,907
Equity capital to assets	8.2795%	2,924
Core capital (leverage) ratio	8.9026%	3,560
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.2130%	2,747
Memoranda:
Average total assets	$259,354,000	2,713
Average earning assets	$250,147,000	2,668
Average equity	$21,950,000	2,902
Average total loans	$210,959,667	2,164
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5225%	1,731
Cost of funding earning assets	0.4147%	802
Net interest margin	3.1078%	2,146
Noninterest income to average assets	0.4044%	2,656
Noninterest expense to average assets	2.3812%	2,233
Loan and lease loss provision to assets	0.0467%	1,529
Net operating income to assets	0.9674%	2,003
Return on assets (ROA)	0.9674%	2,003
Pretax return on assets	0.9721%	2,533
Return on Equity (ROE)	11.3078%	1,518
Retained earnings to average equity (ytd only)	3.5814%	3,084
Net charge-offs to loans	0.0078%	1,466
Credit loss provision to net charge-offs	750.0000%	407
Earnings coverage of net charge-offs (x)	163.7500%	503
Efficiency ratio	70.0366%	2,225
Assets per employee ($millions)	4.6487%	4,039
Cash dividends to net income (ytd only)*	68.3280%	889
Condition Ratios (%)
Loss allowance to loans	0.9110%	4,014
Loan loss allowance to noncurrent loans	182.8322%	2,727
Noncurrent assets plus other real estate owned to assets	0.5389%	1,111
Noncurrent loans to loans	0.4983%	1,779
Net loans and leases to total assets	78.7617%	316
Net loans and leases to deposits	87.4355%	654
Net loans and leases to core deposits	90.1226%	919
Total domestic deposits to total assets	90.0798%	1,515
Equity capital to assets	8.2930%	3,328
Core capital (leverage) ratio	8.3743%	3,997
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.0998%	2,870
Memoranda:
Average total assets	$257,186,000	2,741
Average earning assets	$247,890,500	2,692
Average equity	$22,002,500	2,991
Average total loans	$205,553,000	2,193
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8437%	1,758
Cost of funding earning assets	0.6610%	396
Net interest margin	3.1827%	2,649
Noninterest income to average assets	0.1155%	4,546
Noninterest expense to average assets	2.0116%	3,644
Loan and lease loss provision to assets	0.1095%	1,153
Net operating income to assets	1.0484%	2,485
Return on assets (ROA)	1.0484%	2,563
Pretax return on assets	1.0532%	3,121
Return on Equity (ROE)	12.1702%	1,754
Retained earnings to average equity (ytd only)	11.1678%	676
Net charge-offs to loans	0.0031%	2,505
Credit loss provision to net charge-offs	4,500.0000%	158
Earnings coverage of net charge-offs (x)	478.0000%	286
Efficiency ratio	63.3716%	2,663
Assets per employee ($millions)	4.7045%	3,965
Cash dividends to net income (ytd only)*	8.2367%	3,417
Condition Ratios (%)
Loss allowance to loans	0.9105%	4,040
Loan loss allowance to noncurrent loans	132.6909%	3,103
Noncurrent assets plus other real estate owned to assets	0.6979%	913
Noncurrent loans to loans	0.6861%	1,462
Net loans and leases to total assets	79.6410%	283
Net loans and leases to deposits	88.9986%	608
Net loans and leases to core deposits	91.8335%	887
Total domestic deposits to total assets	89.4857%	1,248
Equity capital to assets	8.8236%	3,784
Core capital (leverage) ratio	8.9575%	3,443
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.7138%	2,723
Memoranda:
Average total assets	$246,671,200	2,749
Average earning assets	$237,064,800	2,700
Average equity	$21,248,600	3,116
Average total loans	$194,398,600	2,274
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5839%	2,602
Cost of funding earning assets	0.7122%	354
Net interest margin	2.8716%	3,613
Noninterest income to average assets	0.3513%	3,351
Noninterest expense to average assets	1.9975%	3,679
Loan and lease loss provision to assets	0.1307%	885
Net operating income to assets	0.9759%	3,002
Return on assets (ROA)	0.9759%	3,082
Pretax return on assets	0.9808%	3,518
Return on Equity (ROE)	11.4010%	2,241
Retained earnings to average equity (ytd only)	10.0458%	1,298
Net charge-offs to loans	-0.0076%	3,575
Credit loss provision to net charge-offs	-2,181.8182%	4,006
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	64.2494%	2,350
Assets per employee ($millions)	4.5122%	4,114
Cash dividends to net income (ytd only)*	11.8862%	2,895
Condition Ratios (%)
Loss allowance to loans	0.9257%	4,084
Loan loss allowance to noncurrent loans	169.0476%	2,764
Noncurrent assets plus other real estate owned to assets	0.6049%	1,266
Noncurrent loans to loans	0.5476%	1,949
Net loans and leases to total assets	81.0826%	238
Net loans and leases to deposits	90.8357%	556
Net loans and leases to core deposits	93.8948%	829
Total domestic deposits to total assets	89.2629%	1,140
Equity capital to assets	8.9235%	3,904
Core capital (leverage) ratio	8.9502%	3,612
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.6910%	2,804
Memoranda:
Average total assets	$244,827,750	2,786
Average earning assets	$235,122,500	2,734
Average equity	$20,956,750	3,167
Average total loans	$191,952,500	2,329
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5541%	2,760
Cost of funding earning assets	0.7831%	312
Net interest margin	2.7710%	3,848
Noninterest income to average assets	0.2504%	3,900
Noninterest expense to average assets	1.8139%	4,157
Loan and lease loss provision to assets	0.1713%	674
Net operating income to assets	0.9184%	3,169
Return on assets (ROA)	0.9184%	3,244
Pretax return on assets	0.9233%	3,608
Return on Equity (ROE)	10.8820%	2,464
Retained earnings to average equity (ytd only)	10.8820%	1,151
Net charge-offs to loans	-0.0074%	3,557
Credit loss provision to net charge-offs	-3,000.0000%	3,898
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	62.3668%	2,683
Assets per employee ($millions)	4.5200%	4,093
Cash dividends to net income (ytd only)*	0.0000%	3,087
Condition Ratios (%)
Loss allowance to loans	0.9360%	4,043
Loan loss allowance to noncurrent loans	131.3996%	3,043
Noncurrent assets plus other real estate owned to assets	0.7476%	1,096
Noncurrent loans to loans	0.7123%	1,659
Net loans and leases to total assets	80.0538%	314
Net loans and leases to deposits	90.1716%	643
Net loans and leases to core deposits	93.3566%	935
Total domestic deposits to total assets	88.7794%	1,399
Equity capital to assets	8.8847%	3,906
Core capital (leverage) ratio	8.5606%	3,923
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.1038%	2,678
Memoranda:
Average total assets	$245,217,333	2,771
Average earning assets	$235,218,000	2,722
Average equity	$20,694,667	3,188
Average total loans	$189,466,333	2,351
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4977%	2,929
Cost of funding earning assets	0.8517%	279
Net interest margin	2.6460%	4,063
Noninterest income to average assets	0.2999%	3,613
Noninterest expense to average assets	1.9835%	3,769
Loan and lease loss provision to assets	0.2903%	333
Net operating income to assets	0.5612%	4,039
Return on assets (ROA)	0.5612%	4,086
Pretax return on assets	0.5660%	4,249
Return on Equity (ROE)	6.8235%	3,651
Retained earnings to average equity (ytd only)	6.8235%	2,633
Net charge-offs to loans	0.0192%	1,352
Credit loss provision to net charge-offs	2,000.0000%	246
Earnings coverage of net charge-offs (x)	59.0000%	831
Efficiency ratio	69.8467%	1,724
Assets per employee ($millions)	4.7712%	3,865
Cash dividends to net income (ytd only)*	0.0000%	2,433
Condition Ratios (%)
Loss allowance to loans	0.9240%	4,091
Loan loss allowance to noncurrent loans	146.9218%	2,807
Noncurrent assets plus other real estate owned to assets	0.6735%	1,394
Noncurrent loans to loans	0.6289%	1,996
Net loans and leases to total assets	74.8870%	727
Net loans and leases to deposits	83.8213%	1,166
Net loans and leases to core deposits	87.3280%	1,428
Total domestic deposits to total assets	89.3413%	1,152
Equity capital to assets	8.1124%	4,426
Core capital (leverage) ratio	8.2596%	4,339
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.1562%	2,606
Memoranda:
Average total assets	$248,046,500	2,738
Average earning assets	$238,098,500	2,693
Average equity	$20,400,000	3,213
Average total loans	$187,405,500	2,376
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9454%	2,888
Cost of funding earning assets	1.3109%	171
Net interest margin	2.6344%	4,455
Noninterest income to average assets	0.2468%	4,013
Noninterest expense to average assets	2.1169%	3,896
Loan and lease loss provision to assets	0.0789%	3,393
Net operating income to assets	0.5584%	3,878
Return on assets (ROA)	0.5584%	3,975
Pretax return on assets	0.5635%	4,156
Return on Equity (ROE)	6.7144%	3,318
Retained earnings to average equity (ytd only)	5.4331%	2,075
Net charge-offs to loans	0.1223%	1,275
Credit loss provision to net charge-offs	81.4978%	2,979
Earnings coverage of net charge-offs (x)	6.6388%	2,761
Efficiency ratio	76.7187%	1,149
Assets per employee ($millions)	4.5041%	3,908
Cash dividends to net income (ytd only)*	19.0840%	3,284
Condition Ratios (%)
Loss allowance to loans	0.8684%	4,276
Loan loss allowance to noncurrent loans	87.4931%	3,499
Noncurrent assets plus other real estate owned to assets	0.9354%	1,038
Noncurrent loans to loans	0.9925%	1,426
Net loans and leases to total assets	74.8627%	919
Net loans and leases to deposits	84.0528%	1,451
Net loans and leases to core deposits	88.0065%	1,696
Total domestic deposits to total assets	89.0663%	957
Equity capital to assets	8.3406%	4,558
Core capital (leverage) ratio	8.2453%	4,451
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.1600%	2,564
Memoranda:
Average total assets	$234,589,000	2,685
Average earning assets	$223,731,400	2,643
Average equity	$19,510,200	3,228
Average total loans	$185,552,800	2,369
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0393%	2,865
Cost of funding earning assets	1.3813%	179
Net interest margin	2.6580%	4,518
Noninterest income to average assets	0.1715%	4,443
Noninterest expense to average assets	2.1574%	3,786
Loan and lease loss provision to assets	0.0891%	3,200
Net operating income to assets	0.4555%	4,160
Return on assets (ROA)	0.4555%	4,224
Pretax return on assets	0.4606%	4,362
Return on Equity (ROE)	5.4806%	3,729
Retained earnings to average equity (ytd only)	3.7549%	3,167
Net charge-offs to loans	0.1548%	946
Credit loss provision to net charge-offs	71.7593%	2,801
Earnings coverage of net charge-offs (x)	4.4352%	2,820
Efficiency ratio	79.6991%	887
Assets per employee ($millions)	4.6419%	3,668
Cash dividends to net income (ytd only)*	31.4861%	2,300
Condition Ratios (%)
Loss allowance to loans	0.8353%	4,276
Loan loss allowance to noncurrent loans	50.7405%	4,013
Noncurrent assets plus other real estate owned to assets	1.5029%	566
Noncurrent loans to loans	1.6461%	846
Net loans and leases to total assets	79.0367%	706
Net loans and leases to deposits	88.8900%	1,383
Net loans and leases to core deposits	93.6852%	1,668
Total domestic deposits to total assets	88.9151%	806
Equity capital to assets	8.3384%	4,554
Core capital (leverage) ratio	8.2712%	4,483
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.6529%	2,740
Memoranda:
Average total assets	$232,431,250	2,688
Average earning assets	$221,714,250	2,641
Average equity	$19,316,250	3,250
Average total loans	$186,022,000	2,368
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2200%	2,694
Cost of funding earning assets	1.4236%	211
Net interest margin	2.7964%	4,458
Noninterest income to average assets	0.1273%	4,668
Noninterest expense to average assets	2.1593%	3,901
Loan and lease loss provision to assets	0.1082%	2,926
Net operating income to assets	0.5247%	3,943
Return on assets (ROA)	0.5247%	4,030
Pretax return on assets	0.5299%	4,200
Return on Equity (ROE)	6.3207%	3,390
Retained earnings to average equity (ytd only)	3.7132%	3,057
Net charge-offs to loans	0.1232%	1,106
Credit loss provision to net charge-offs	109.6491%	2,337
Earnings coverage of net charge-offs (x)	6.4649%	2,437
Efficiency ratio	77.1897%	1,135
Assets per employee ($millions)	4.0610%	4,248
Cash dividends to net income (ytd only)*	41.2541%	1,902
Condition Ratios (%)
Loss allowance to loans	0.8771%	4,093
Loan loss allowance to noncurrent loans	48.0607%	4,087
Noncurrent assets plus other real estate owned to assets	1.7437%	475
Noncurrent loans to loans	1.8250%	767
Net loans and leases to total assets	79.0705%	711
Net loans and leases to deposits	88.9127%	1,457
Net loans and leases to core deposits	93.9501%	1,745
Total domestic deposits to total assets	88.9304%	771
Equity capital to assets	8.3035%	4,591
Core capital (leverage) ratio	7.9868%	4,759
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.7543%	2,713
Memoranda:
Average total assets	$230,996,000	2,677
Average earning assets	$220,568,333	2,624
Average equity	$19,175,000	3,255
Average total loans	$185,134,333	2,356
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3346%	2,808
Cost of funding earning assets	1.4266%	354
Net interest margin	2.9080%	4,423
Noninterest income to average assets	0.1382%	4,674
Noninterest expense to average assets	2.1825%	4,052
Loan and lease loss provision to assets	0.1661%	1,760
Net operating income to assets	0.5649%	3,695
Return on assets (ROA)	0.5649%	3,764
Pretax return on assets	0.5701%	3,980
Return on Equity (ROE)	6.8059%	3,025
Retained earnings to average equity (ytd only)	1.5382%	3,591
Net charge-offs to loans	0.2569%	572
Credit loss provision to net charge-offs	80.5085%	1,933
Earnings coverage of net charge-offs (x)	3.5678%	2,205
Efficiency ratio	74.7753%	1,713
Assets per employee ($millions)	4.0374%	3,869
Cash dividends to net income (ytd only)*	77.3994%	1,071
Condition Ratios (%)
Loss allowance to loans	0.8818%	4,181
Loan loss allowance to noncurrent loans	43.1666%	4,191
Noncurrent assets plus other real estate owned to assets	1.9310%	444
Noncurrent loans to loans	2.0427%	686
Net loans and leases to total assets	78.8354%	852
Net loans and leases to deposits	91.2487%	1,372
Net loans and leases to core deposits	96.6858%	1,734
Total domestic deposits to total assets	86.3962%	1,827
Equity capital to assets	8.2539%	4,914
Core capital (leverage) ratio	8.3012%	4,886
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.5844%	2,897
Memoranda:
Average total assets	$228,725,000	2,644
Average earning assets	$218,704,500	2,583
Average equity	$18,983,500	3,272
Average total loans	$183,757,000	2,319
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2172%	3,767
Cost of funding earning assets	1.3687%	618
Net interest margin	2.8485%	4,710
Noninterest income to average assets	0.1507%	4,740
Noninterest expense to average assets	2.0201%	4,498
Loan and lease loss provision to assets	0.4511%	302
Net operating income to assets	0.4186%	4,565
Return on assets (ROA)	0.4186%	4,596
Pretax return on assets	0.4236%	4,670
Return on Equity (ROE)	4.9440%	4,221
Retained earnings to average equity (ytd only)	-0.2504%	4,738
Net charge-offs to loans	0.5173%	360
Credit loss provision to net charge-offs	107.2961%	2,314
Earnings coverage of net charge-offs (x)	2.0805%	3,458
Efficiency ratio	69.7834%	2,202
Assets per employee ($millions)	4.2890%	3,526
Cash dividends to net income (ytd only)*	105.0647%	250
Condition Ratios (%)
Loss allowance to loans	0.8874%	4,019
Loan loss allowance to noncurrent loans	39.4363%	4,277
Noncurrent assets plus other real estate owned to assets	2.0953%	363
Noncurrent loans to loans	2.2502%	541
Net loans and leases to total assets	80.4325%	736
Net loans and leases to deposits	93.2608%	1,221
Net loans and leases to core deposits	99.3755%	1,618
Total domestic deposits to total assets	86.2447%	1,958
Equity capital to assets	8.3461%	4,971
Core capital (leverage) ratio	8.2986%	4,945
Tier 1 risk-based capital ratio	11.5965%	4,577
Total risk-based capital ratio	12.6012%	4,587
Memoranda:
Average total assets	$221,666,800	2,645
Average earning assets	$213,553,200	2,575
Average equity	$18,770,400	3,252
Average total loans	$180,166,400	2,316
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1792%	3,965
Cost of funding earning assets	1.3374%	702
Net interest margin	2.8418%	4,819
Noninterest income to average assets	0.1404%	4,835
Noninterest expense to average assets	2.0200%	4,512
Loan and lease loss provision to assets	0.4752%	256
Net operating income to assets	0.3802%	4,754
Return on assets (ROA)	0.3802%	4,779
Pretax return on assets	0.3850%	4,825
Return on Equity (ROE)	4.4728%	4,484
Retained earnings to average equity (ytd only)	-2.4715%	4,960
Net charge-offs to loans	0.5405%	308
Credit loss provision to net charge-offs	108.1267%	2,118
Earnings coverage of net charge-offs (x)	1.9573%	3,236
Efficiency ratio	70.1345%	2,095
Assets per employee ($millions)	4.3259%	3,447
Cash dividends to net income (ytd only)*	155.2555%	106
Condition Ratios (%)
Loss allowance to loans	0.8907%	4,083
Loan loss allowance to noncurrent loans	40.2373%	4,342
Noncurrent assets plus other real estate owned to assets	2.0705%	406
Noncurrent loans to loans	2.2136%	572
Net loans and leases to total assets	79.0105%	990
Net loans and leases to deposits	91.3390%	1,526
Net loans and leases to core deposits	97.8787%	1,834
Total domestic deposits to total assets	86.5025%	1,772
Equity capital to assets	8.1423%	5,104
Core capital (leverage) ratio	8.0941%	5,094
Tier 1 risk-based capital ratio	11.7213%	4,562
Total risk-based capital ratio	12.7476%	4,569
Memoranda:
Average total assets	$220,254,500	2,682
Average earning assets	$212,345,750	2,614
Average equity	$18,720,000	3,280
Average total loans	$179,089,750	2,354
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1000%	4,161
Cost of funding earning assets	1.2578%	851
Net interest margin	2.8422%	4,881
Noninterest income to average assets	0.1197%	4,967
Noninterest expense to average assets	2.0207%	4,574
Loan and lease loss provision to assets	0.6951%	150
Net operating income to assets	0.1390%	5,035
Return on assets (ROA)	0.1390%	5,047
Pretax return on assets	0.1436%	5,052
Return on Equity (ROE)	1.6118%	4,992
Retained earnings to average equity (ytd only)	-8.7953%	5,152
Net charge-offs to loans	0.8164%	173
Credit loss provision to net charge-offs	103.9945%	1,912
Earnings coverage of net charge-offs (x)	1.2548%	3,035
Efficiency ratio	70.6697%	2,125
Assets per employee ($millions)	4.1728%	3,616
Cash dividends to net income (ytd only)*	645.6954%	12
Condition Ratios (%)
Loss allowance to loans	0.8953%	4,113
Loan loss allowance to noncurrent loans	43.0844%	4,335
Noncurrent assets plus other real estate owned to assets	1.9841%	474
Noncurrent loans to loans	2.0780%	671
Net loans and leases to total assets	79.9834%	885
Net loans and leases to deposits	94.2709%	1,229
Net loans and leases to core deposits	100.9750%	1,634
Total domestic deposits to total assets	84.8442%	2,547
Equity capital to assets	8.2449%	5,129
Core capital (leverage) ratio	8.2282%	5,097
Tier 1 risk-based capital ratio	11.7460%	4,545
Total risk-based capital ratio	12.7820%	4,559
Memoranda:
Average total assets	$217,248,670	2,716
Average earning assets	$209,415,000	2,642
Average equity	$18,737,330	3,277
Average total loans	$177,860,670	2,366
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0351%	4,292
Cost of funding earning assets	1.1864%	942
Net interest margin	2.8486%	4,938
Noninterest income to average assets	0.1431%	4,879
Noninterest expense to average assets	1.9675%	4,703
Loan and lease loss provision to assets	0.0372%	2,880
Net operating income to assets	0.8825%	3,299
Return on assets (ROA)	0.8825%	3,355
Pretax return on assets	0.8862%	3,811
Return on Equity (ROE)	10.0058%	2,372
Retained earnings to average equity (ytd only)	3.1597%	3,674
Net charge-offs to loans	0.0766%	1,305
Credit loss provision to net charge-offs	58.8235%	1,921
Earnings coverage of net charge-offs (x)	14.6176%	1,786
Efficiency ratio	68.0591%	2,632
Assets per employee ($millions)	4.8348%	2,740
Cash dividends to net income (ytd only)*	68.4211%	1,149
Condition Ratios (%)
Loss allowance to loans	0.8708%	4,268
Loan loss allowance to noncurrent loans	34.6634%	4,547
Noncurrent assets plus other real estate owned to assets	2.1764%	411
Noncurrent loans to loans	2.5122%	518
Net loans and leases to total assets	81.3604%	664
Net loans and leases to deposits	99.3428%	678
Net loans and leases to core deposits	106.3845%	1,150
Total domestic deposits to total assets	81.8987%	3,750
Equity capital to assets	8.7887%	4,829
Core capital (leverage) ratio	8.9038%	4,718
Tier 1 risk-based capital ratio	12.1516%	4,379
Total risk-based capital ratio	13.1414%	4,423
Memoranda:
Average total assets	$215,295,000	2,760
Average earning assets	$207,678,500	2,692
Average equity	$18,989,000	3,263
Average total loans	$177,548,000	2,391
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0109%	3,999
Cost of funding earning assets	0.9201%	1,024
Net interest margin	3.0908%	4,667
Noninterest income to average assets	0.1309%	5,038
Noninterest expense to average assets	2.2766%	4,172
Loan and lease loss provision to assets	0.0000%	4,082
Net operating income to assets	0.8099%	3,767
Return on assets (ROA)	0.8069%	3,781
Pretax return on assets	0.8109%	4,142
Return on Equity (ROE)	10.1342%	2,461
Retained earnings to average equity (ytd only)	2.0715%	4,329
Net charge-offs to loans	0.0071%	3,432
Credit loss provision to net charge-offs	0.0000%	3,452
Earnings coverage of net charge-offs (x)	137.3333%	592
Efficiency ratio	73.6657%	1,671
Assets per employee ($millions)	4.7342%	2,826
Cash dividends to net income (ytd only)*	79.5594%	720
Condition Ratios (%)
Loss allowance to loans	0.8888%	4,211
Loan loss allowance to noncurrent loans	29.6653%	4,648
Noncurrent assets plus other real estate owned to assets	2.5986%	279
Noncurrent loans to loans	2.9961%	338
Net loans and leases to total assets	82.1255%	629
Net loans and leases to deposits	100.5841%	700
Net loans and leases to core deposits	105.6694%	1,292
Total domestic deposits to total assets	81.6486%	3,737
Equity capital to assets	8.8584%	4,685
Core capital (leverage) ratio	9.0312%	4,625
Tier 1 risk-based capital ratio	12.3799%	4,194
Total risk-based capital ratio	13.4046%	4,211
Memoranda:
Average total assets	$202,496,800	2,839
Average earning assets	$193,898,400	2,778
Average equity	$16,123,600	3,500
Average total loans	$169,358,200	2,443
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9811%	3,983
Cost of funding earning assets	0.8765%	1,010
Net interest margin	3.1046%	4,695
Noninterest income to average assets	0.1454%	5,049
Noninterest expense to average assets	2.3035%	4,092
Loan and lease loss provision to assets	0.0000%	3,948
Net operating income to assets	0.8052%	3,881
Return on assets (ROA)	0.8012%	3,900
Pretax return on assets	0.8059%	4,273
Return on Equity (ROE)	10.3734%	2,447
Retained earnings to average equity (ytd only)	-0.8551%	5,125
Net charge-offs to loans	-0.0183%	4,601
Credit loss provision to net charge-offs	0.0000%	3,085
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	73.9876%	1,596
Assets per employee ($millions)	4.6387%	2,933
Cash dividends to net income (ytd only)*	108.2434%	203
Condition Ratios (%)
Loss allowance to loans	0.9236%	4,168
Loan loss allowance to noncurrent loans	36.7974%	4,631
Noncurrent assets plus other real estate owned to assets	2.1826%	457
Noncurrent loans to loans	2.5099%	519
Net loans and leases to total assets	82.4322%	640
Net loans and leases to deposits	101.1118%	695
Net loans and leases to core deposits	106.3947%	1,281
Total domestic deposits to total assets	81.5258%	3,732
Equity capital to assets	8.8052%	4,721
Core capital (leverage) ratio	8.9201%	4,780
Tier 1 risk-based capital ratio	12.0595%	4,471
Total risk-based capital ratio	13.1119%	4,461
Memoranda:
Average total assets	$199,860,750	2,886
Average earning assets	$191,065,250	2,832
Average equity	$15,436,500	3,607
Average total loans	$167,565,250	2,472
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9693%	3,876
Cost of funding earning assets	0.8160%	1,061
Net interest margin	3.1533%	4,608
Noninterest income to average assets	0.1138%	5,216
Noninterest expense to average assets	2.4926%	3,650
Loan and lease loss provision to assets	0.0000%	3,782
Net operating income to assets	0.6267%	4,419
Return on assets (ROA)	0.6216%	4,437
Pretax return on assets	0.6267%	4,688
Return on Equity (ROE)	8.4675%	3,280
Retained earnings to average equity (ytd only)	-5.0224%	5,294
Net charge-offs to loans	-0.0350%	4,795
Credit loss provision to net charge-offs	0.0000%	2,759
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	79.7789%	1,036
Assets per employee ($millions)	4.4576%	3,190
Cash dividends to net income (ytd only)*	159.3137%	121
Condition Ratios (%)
Loss allowance to loans	0.9491%	4,122
Loan loss allowance to noncurrent loans	35.8894%	4,659
Noncurrent assets plus other real estate owned to assets	2.5156%	348
Noncurrent loans to loans	2.6445%	467
Net loans and leases to total assets	83.7661%	483
Net loans and leases to deposits	103.6040%	547
Net loans and leases to core deposits	107.8825%	1,125
Total domestic deposits to total assets	80.8522%	4,040
Equity capital to assets	7.0940%	5,438
Core capital (leverage) ratio	7.1956%	5,466
Tier 1 risk-based capital ratio	10.2392%	5,356
Total risk-based capital ratio	11.3901%	5,320
Memoranda:
Average total assets	$196,901,000	2,934
Average earning assets	$187,994,000	2,880
Average equity	$14,455,330	3,751
Average total loans	$165,529,330	2,501
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8136%	4,178
Cost of funding earning assets	0.7834%	1,027
Net interest margin	3.0302%	4,835
Noninterest income to average assets	0.1742%	4,983
Noninterest expense to average assets	2.7408%	2,907
Loan and lease loss provision to assets	0.0000%	3,508
Net operating income to assets	0.3116%	5,075
Return on assets (ROA)	0.3116%	5,082
Pretax return on assets	0.3198%	5,144
Return on Equity (ROE)	4.1540%	4,727
Retained earnings to average equity (ytd only)	-4.7279%	5,189
Net charge-offs to loans	-0.0220%	4,607
Credit loss provision to net charge-offs	0.0000%	2,201
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	89.5512%	464
Assets per employee ($millions)	5.2576%	2,189
Cash dividends to net income (ytd only)*	213.8158%	173
Condition Ratios (%)
Loss allowance to loans	0.9732%	4,102
Loan loss allowance to noncurrent loans	38.5735%	4,666
Noncurrent assets plus other real estate owned to assets	2.3980%	398
Noncurrent loans to loans	2.5231%	540
Net loans and leases to total assets	80.9769%	797
Net loans and leases to deposits	98.6055%	821
Net loans and leases to core deposits	102.8650%	1,456
Total domestic deposits to total assets	82.1221%	3,922
Equity capital to assets	7.2827%	5,476
Core capital (leverage) ratio	7.4792%	5,514
Tier 1 risk-based capital ratio	10.9058%	5,183
Total risk-based capital ratio	12.0976%	5,114
Memoranda:
Average total assets	$195,124,500	2,981
Average earning assets	$185,862,500	2,933
Average equity	$14,636,500	3,752
Average total loans	$163,475,000	2,537
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8690%	3,831
Cost of funding earning assets	0.6881%	1,086
Net interest margin	3.1809%	4,495
Noninterest income to average assets	0.2172%	4,855
Noninterest expense to average assets	2.1358%	4,685
Loan and lease loss provision to assets	0.2029%	1,017
Net operating income to assets	0.9231%	2,580
Return on assets (ROA)	0.9231%	2,610
Pretax return on assets	0.9319%	3,801
Return on Equity (ROE)	11.5560%	1,330
Retained earnings to average equity (ytd only)	2.5603%	3,788
Net charge-offs to loans	0.2554%	1,024
Credit loss provision to net charge-offs	91.2935%	2,758
Earnings coverage of net charge-offs (x)	5.1070%	3,378
Efficiency ratio	65.3034%	3,384
Assets per employee ($millions)	5.0121%	2,458
Cash dividends to net income (ytd only)*	77.8443%	910
Condition Ratios (%)
Loss allowance to loans	0.9665%	4,119
Loan loss allowance to noncurrent loans	31.1711%	4,828
Noncurrent assets plus other real estate owned to assets	2.9880%	271
Noncurrent loans to loans	3.1007%	352
Net loans and leases to total assets	85.0551%	343
Net loans and leases to deposits	104.7792%	456
Net loans and leases to core deposits	109.4390%	1,038
Total domestic deposits to total assets	81.1756%	4,077
Equity capital to assets	7.7302%	5,477
Core capital (leverage) ratio	7.8239%	5,489
Tier 1 risk-based capital ratio	10.7508%	5,272
Total risk-based capital ratio	11.9052%	5,207
Memoranda:
Average total assets	$180,919,400	3,102
Average earning assets	$173,662,000	3,031
Average equity	$14,451,400	3,787
Average total loans	$157,411,400	2,575
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8635%	3,785
Cost of funding earning assets	0.6636%	1,158
Net interest margin	3.2000%	4,449
Noninterest income to average assets	0.2173%	4,923
Noninterest expense to average assets	2.0448%	4,862
Loan and lease loss provision to assets	0.2868%	559
Net operating income to assets	0.9596%	2,727
Return on assets (ROA)	0.9596%	2,781
Pretax return on assets	0.9686%	3,805
Return on Equity (ROE)	11.9115%	1,359
Retained earnings to average equity (ytd only)	-0.1390%	5,229
Net charge-offs to loans	0.3225%	651
Credit loss provision to net charge-offs	101.8568%	2,243
Earnings coverage of net charge-offs (x)	4.4589%	3,220
Efficiency ratio	61.9597%	3,892
Assets per employee ($millions)	4.9202%	2,549
Cash dividends to net income (ytd only)*	101.1673%	300
Condition Ratios (%)
Loss allowance to loans	1.0082%	4,006
Loan loss allowance to noncurrent loans	36.2196%	4,837
Noncurrent assets plus other real estate owned to assets	2.7614%	343
Noncurrent loans to loans	2.7835%	495
Net loans and leases to total assets	85.2350%	318
Net loans and leases to deposits	105.1818%	448
Net loans and leases to core deposits	109.4564%	1,059
Total domestic deposits to total assets	81.0359%	4,038
Equity capital to assets	7.6692%	5,601
Core capital (leverage) ratio	7.9156%	5,542
Tier 1 risk-based capital ratio	10.2506%	5,527
Total risk-based capital ratio	11.4108%	5,513
Memoranda:
Average total assets	$178,534,250	3,162
Average earning assets	$171,997,250	3,072
Average equity	$14,383,500	3,835
Average total loans	$155,870,000	2,612
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8273%	3,798
Cost of funding earning assets	0.6402%	1,208
Net interest margin	3.1870%	4,456
Noninterest income to average assets	0.2413%	4,798
Noninterest expense to average assets	2.1636%	4,645
Loan and lease loss provision to assets	0.1502%	1,348
Net operating income to assets	1.0016%	2,422
Return on assets (ROA)	1.0016%	2,461
Pretax return on assets	1.0095%	3,531
Return on Equity (ROE)	12.2236%	1,230
Retained earnings to average equity (ytd only)	-1.3196%	5,266
Net charge-offs to loans	0.1712%	1,140
Credit loss provision to net charge-offs	100.0000%	2,001
Earnings coverage of net charge-offs (x)	7.7197%	2,579
Efficiency ratio	65.1027%	3,494
Assets per employee ($millions)	4.9759%	2,417
Cash dividends to net income (ytd only)*	110.7955%	361
Condition Ratios (%)
Loss allowance to loans	1.0128%	4,068
Loan loss allowance to noncurrent loans	45.3423%	4,691
Noncurrent assets plus other real estate owned to assets	2.1743%	553
Noncurrent loans to loans	2.2336%	719
Net loans and leases to total assets	88.1720%	137
Net loans and leases to deposits	106.8791%	364
Net loans and leases to core deposits	112.3411%	886
Total domestic deposits to total assets	82.4969%	3,726
Equity capital to assets	7.9600%	5,552
Core capital (leverage) ratio	8.1151%	5,478
Tier 1 risk-based capital ratio	10.3996%	5,508
Total risk-based capital ratio	11.5782%	5,458
Memoranda:
Average total assets	$175,722,670	3,213
Average earning assets	$169,938,330	3,112
Average equity	$14,398,330	3,838
Average total loans	$154,164,670	2,638
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8391%	3,625
Cost of funding earning assets	0.6438%	1,104
Net interest margin	3.1953%	4,358
Noninterest income to average assets	0.2230%	4,938
Noninterest expense to average assets	1.9515%	5,149
Loan and lease loss provision to assets	0.0850%	2,120
Net operating income to assets	1.2711%	1,320
Return on assets (ROA)	1.2711%	1,352
Pretax return on assets	1.2780%	2,317
Return on Equity (ROE)	15.2889%	614
Retained earnings to average equity (ytd only)	6.3036%	2,186
Net charge-offs to loans	0.0581%	1,750
Credit loss provision to net charge-offs	168.1818%	1,132
Earnings coverage of net charge-offs (x)	26.9545%	1,285
Efficiency ratio	58.8766%	4,608
Assets per employee ($millions)	4.8623%	2,618
Cash dividends to net income (ytd only)*	58.7703%	1,465
Condition Ratios (%)
Loss allowance to loans	1.0683%	3,893
Loan loss allowance to noncurrent loans	61.1090%	4,403
Noncurrent assets plus other real estate owned to assets	1.6813%	897
Noncurrent loans to loans	1.7482%	1,089
Net loans and leases to total assets	86.2866%	202
Net loans and leases to deposits	103.2216%	436
Net loans and leases to core deposits	108.3689%	953
Total domestic deposits to total assets	83.5936%	3,626
Equity capital to assets	8.3306%	5,340
Core capital (leverage) ratio	8.3248%	5,366
Tier 1 risk-based capital ratio	11.3595%	5,114
Total risk-based capital ratio	12.6098%	5,015
Memoranda:
Average total assets	$174,017,000	3,269
Average earning assets	$168,372,500	3,154
Average equity	$14,468,000	3,852
Average total loans	$151,466,000	2,683
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9862%	3,241
Cost of funding earning assets	0.5547%	1,648
Net interest margin	3.4315%	3,704
Noninterest income to average assets	0.2526%	4,907
Noninterest expense to average assets	1.9339%	5,314
Loan and lease loss provision to assets	0.0768%	2,821
Net operating income to assets	1.5600%	744
Return on assets (ROA)	1.5600%	769
Pretax return on assets	1.5642%	1,381
Return on Equity (ROE)	18.3253%	305
Retained earnings to average equity (ytd only)	2.5374%	4,072
Net charge-offs to loans	0.1027%	2,246
Credit loss provision to net charge-offs	85.3333%	2,889
Earnings coverage of net charge-offs (x)	18.2333%	1,980
Efficiency ratio	54.0953%	5,235
Assets per employee ($millions)	4.8054%	2,644
Cash dividends to net income (ytd only)*	86.1538%	706
Condition Ratios (%)
Loss allowance to loans	1.0754%	3,855
Loan loss allowance to noncurrent loans	79.9604%	4,006
Noncurrent assets plus other real estate owned to assets	1.3475%	1,286
Noncurrent loans to loans	1.3450%	1,527
Net loans and leases to total assets	85.9272%	233
Net loans and leases to deposits	102.8749%	475
Net loans and leases to core deposits	108.2604%	1,006
Total domestic deposits to total assets	83.5259%	3,592
Equity capital to assets	8.2974%	5,421
Core capital (leverage) ratio	8.2962%	5,440
Tier 1 risk-based capital ratio	10.8153%	5,425
Total risk-based capital ratio	12.0329%	5,346
Memoranda:
Average total assets	$166,662,200	3,322
Average earning assets	$161,357,600	3,216
Average equity	$14,188,000	3,921
Average total loans	$146,101,000	2,694
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9934%	3,249
Cost of funding earning assets	0.5429%	1,770
Net interest margin	3.4506%	3,668
Noninterest income to average assets	0.2746%	4,808
Noninterest expense to average assets	1.8213%	5,491
Loan and lease loss provision to assets	0.1034%	2,197
Net operating income to assets	1.6872%	608
Return on assets (ROA)	1.6872%	647
Pretax return on assets	1.6921%	1,132
Return on Equity (ROE)	19.6887%	259
Retained earnings to average equity (ytd only)	3.2893%	3,932
Net charge-offs to loans	0.1333%	1,640
Credit loss provision to net charge-offs	88.2759%	2,558
Earnings coverage of net charge-offs (x)	15.3309%	2,184
Efficiency ratio	50.3573%	5,479
Assets per employee ($millions)	4.7296%	2,704
Cash dividends to net income (ytd only)*	83.2935%	658
Condition Ratios (%)
Loss allowance to loans	1.0814%	3,935
Loan loss allowance to noncurrent loans	69.0375%	4,305
Noncurrent assets plus other real estate owned to assets	1.5141%	1,180
Noncurrent loans to loans	1.5664%	1,386
Net loans and leases to total assets	87.0854%	185
Net loans and leases to deposits	104.5633%	430
Net loans and leases to core deposits	109.7276%	935
Total domestic deposits to total assets	83.2849%	3,488
Equity capital to assets	8.4239%	5,572
Core capital (leverage) ratio	8.5935%	5,270
Tier 1 risk-based capital ratio	11.2342%	5,236
Total risk-based capital ratio	12.4842%	5,143
Memoranda:
Average total assets	$165,079,500	3,360
Average earning assets	$159,891,750	3,255
Average equity	$14,146,500	3,959
Average total loans	$145,060,250	2,706
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9809%	3,309
Cost of funding earning assets	0.5317%	1,860
Net interest margin	3.4492%	3,689
Noninterest income to average assets	0.2326%	5,092
Noninterest expense to average assets	1.7778%	5,622
Loan and lease loss provision to assets	0.1567%	1,451
Net operating income to assets	1.6370%	664
Return on assets (ROA)	1.6370%	705
Pretax return on assets	1.6419%	1,251
Return on Equity (ROE)	18.9901%	297
Retained earnings to average equity (ytd only)	0.4545%	5,167
Net charge-offs to loans	0.1771%	1,279
Credit loss provision to net charge-offs	100.7874%	2,075
Earnings coverage of net charge-offs (x)	11.5669%	2,251
Efficiency ratio	49.7090%	5,578
Assets per employee ($millions)	4.5430%	2,946
Cash dividends to net income (ytd only)*	97.6066%	545
Condition Ratios (%)
Loss allowance to loans	1.1310%	3,778
Loan loss allowance to noncurrent loans	77.5307%	4,172
Noncurrent assets plus other real estate owned to assets	1.5060%	1,271
Noncurrent loans to loans	1.4587%	1,516
Net loans and leases to total assets	87.6086%	157
Net loans and leases to deposits	103.5035%	480
Net loans and leases to core deposits	109.6651%	947
Total domestic deposits to total assets	84.6431%	3,026
Equity capital to assets	8.5760%	5,553
Core capital (leverage) ratio	8.5195%	5,349
Tier 1 risk-based capital ratio	11.4945%	5,160
Total risk-based capital ratio	12.7450%	5,045
Memoranda:
Average total assets	$163,351,000	3,394
Average earning assets	$158,355,330	3,291
Average equity	$14,081,000	3,984
Average total loans	$143,448,000	2,728
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8935%	3,612
Cost of funding earning assets	0.5227%	1,921
Net interest margin	3.3708%	3,975
Noninterest income to average assets	0.2426%	5,000
Noninterest expense to average assets	1.7519%	5,699
Loan and lease loss provision to assets	0.1274%	1,666
Net operating income to assets	1.6269%	665
Return on assets (ROA)	1.6269%	706
Pretax return on assets	1.6343%	1,218
Return on Equity (ROE)	18.8255%	306
Retained earnings to average equity (ytd only)	6.4925%	2,135
Net charge-offs to loans	0.1261%	1,346
Credit loss provision to net charge-offs	115.5556%	1,473
Earnings coverage of net charge-offs (x)	15.9778%	1,642
Efficiency ratio	49.8605%	5,636
Assets per employee ($millions)	4.5514%	2,978
Cash dividends to net income (ytd only)*	65.5120%	1,293
Condition Ratios (%)
Loss allowance to loans	1.1460%	3,793
Loan loss allowance to noncurrent loans	72.4351%	4,261
Noncurrent assets plus other real estate owned to assets	1.5087%	1,349
Noncurrent loans to loans	1.5822%	1,470
Net loans and leases to total assets	86.5977%	186
Net loans and leases to deposits	102.4513%	487
Net loans and leases to core deposits	108.4876%	947
Total domestic deposits to total assets	84.5257%	3,305
Equity capital to assets	8.6804%	5,438
Core capital (leverage) ratio	8.7307%	5,145
Tier 1 risk-based capital ratio	11.7931%	5,051
Total risk-based capital ratio	13.0443%	4,956
Memoranda:
Average total assets	$163,252,000	3,412
Average earning assets	$158,418,000	3,301
Average equity	$14,108,500	3,994
Average total loans	$142,711,000	2,741
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0092%	3,279
Cost of funding earning assets	0.4497%	2,630
Net interest margin	3.5595%	3,284
Noninterest income to average assets	0.2141%	5,311
Noninterest expense to average assets	1.9848%	5,484
Loan and lease loss provision to assets	0.0211%	3,962
Net operating income to assets	1.6490%	633
Return on assets (ROA)	1.6490%	654
Pretax return on assets	1.6573%	1,088
Return on Equity (ROE)	18.6247%	340
Retained earnings to average equity (ytd only)	2.4104%	4,346
Net charge-offs to loans	0.0240%	3,776
Credit loss provision to net charge-offs	100.0000%	2,501
Earnings coverage of net charge-offs (x)	79.3636%	706
Efficiency ratio	54.1812%	5,511
Assets per employee ($millions)	4.5181%	3,016
Cash dividends to net income (ytd only)*	87.0579%	678
Condition Ratios (%)
Loss allowance to loans	1.1545%	3,730
Loan loss allowance to noncurrent loans	67.5464%	4,445
Noncurrent assets plus other real estate owned to assets	1.6213%	1,211
Noncurrent loans to loans	1.7091%	1,324
Net loans and leases to total assets	86.2252%	214
Net loans and leases to deposits	101.9726%	542
Net loans and leases to core deposits	107.8085%	983
Total domestic deposits to total assets	84.5572%	3,268
Equity capital to assets	8.6036%	5,463
Core capital (leverage) ratio	8.6755%	5,242
Tier 1 risk-based capital ratio	11.6084%	5,187
Total risk-based capital ratio	12.8585%	5,094
Memoranda:
Average total assets	$156,036,600	3,483
Average earning assets	$151,202,000	3,386
Average equity	$13,815,000	4,009
Average total loans	$137,464,600	2,758
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0059%	3,315
Cost of funding earning assets	0.4261%	2,949
Net interest margin	3.5798%	3,236
Noninterest income to average assets	0.1969%	5,466
Noninterest expense to average assets	1.9725%	5,531
Loan and lease loss provision to assets	0.0000%	4,232
Net operating income to assets	1.6841%	649
Return on assets (ROA)	1.6841%	669
Pretax return on assets	1.6927%	1,124
Return on Equity (ROE)	18.8808%	344
Retained earnings to average equity (ytd only)	2.0333%	4,860
Net charge-offs to loans	0.0000%	4,182
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	53.8172%	5,533
Assets per employee ($millions)	4.5051%	3,000
Cash dividends to net income (ytd only)*	89.2305%	540
Condition Ratios (%)
Loss allowance to loans	1.1611%	3,864
Loan loss allowance to noncurrent loans	85.0467%	4,045
Noncurrent assets plus other real estate owned to assets	1.3356%	1,751
Noncurrent loans to loans	1.3653%	1,877
Net loans and leases to total assets	88.4290%	118
Net loans and leases to deposits	105.0445%	405
Net loans and leases to core deposits	109.1956%	921
Total domestic deposits to total assets	84.1824%	3,346
Equity capital to assets	8.7970%	5,493
Core capital (leverage) ratio	8.8535%	5,177
Tier 1 risk-based capital ratio	11.6543%	5,294
Total risk-based capital ratio	12.9062%	5,212
Memoranda:
Average total assets	$154,382,750	3,534
Average earning assets	$149,576,250	3,437
Average equity	$13,770,250	4,060
Average total loans	$136,359,500	2,794
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0071%	3,261
Cost of funding earning assets	0.4080%	3,187
Net interest margin	3.5991%	3,099
Noninterest income to average assets	0.2362%	5,266
Noninterest expense to average assets	2.0146%	5,503
Loan and lease loss provision to assets	0.0000%	4,069
Net operating income to assets	1.7014%	627
Return on assets (ROA)	1.7014%	657
Pretax return on assets	1.7092%	1,068
Return on Equity (ROE)	18.9857%	337
Retained earnings to average equity (ytd only)	-0.0146%	5,509
Net charge-offs to loans	0.0000%	3,893
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	54.0995%	5,578
Assets per employee ($millions)	4.4074%	3,127
Cash dividends to net income (ytd only)*	100.0767%	521
Condition Ratios (%)
Loss allowance to loans	1.2027%	3,775
Loan loss allowance to noncurrent loans	102.5673%	3,663
Noncurrent assets plus other real estate owned to assets	1.1513%	2,204
Noncurrent loans to loans	1.1726%	2,307
Net loans and leases to total assets	87.2279%	182
Net loans and leases to deposits	100.7925%	604
Net loans and leases to core deposits	105.3152%	1,107
Total domestic deposits to total assets	86.5420%	2,406
Equity capital to assets	8.8553%	5,385
Core capital (leverage) ratio	8.8742%	5,125
Tier 1 risk-based capital ratio	11.8969%	5,219
Total risk-based capital ratio	13.1484%	5,116
Memoranda:
Average total assets	$153,284,000	3,574
Average earning assets	$148,535,670	3,477
Average equity	$13,736,670	4,092
Average total loans	$134,788,670	2,833
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9465%	3,434
Cost of funding earning assets	0.4001%	3,305
Net interest margin	3.5464%	3,237
Noninterest income to average assets	0.3011%	4,765
Noninterest expense to average assets	1.9922%	5,594
Loan and lease loss provision to assets	0.0000%	3,703
Net operating income to assets	1.7356%	546
Return on assets (ROA)	1.7356%	580
Pretax return on assets	1.7435%	959
Return on Equity (ROE)	19.2523%	303
Retained earnings to average equity (ytd only)	6.6207%	2,177
Net charge-offs to loans	0.0000%	3,288
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	53.3287%	5,728
Assets per employee ($millions)	4.4002%	3,199
Cash dividends to net income (ytd only)*	65.6109%	1,279
Condition Ratios (%)
Loss allowance to loans	1.2178%	3,857
Loan loss allowance to noncurrent loans	97.8495%	3,733
Noncurrent assets plus other real estate owned to assets	1.2259%	2,183
Noncurrent loans to loans	1.2446%	2,299
Net loans and leases to total assets	86.2702%	173
Net loans and leases to deposits	99.9023%	569
Net loans and leases to core deposits	104.3962%	1,040
Total domestic deposits to total assets	86.3546%	2,735
Equity capital to assets	9.0184%	5,266
Core capital (leverage) ratio	9.1676%	4,763
Tier 1 risk-based capital ratio	12.2426%	5,079
Total risk-based capital ratio	13.4943%	4,988
Memoranda:
Average total assets	$152,797,000	3,610
Average earning assets	$147,981,000	3,500
Average equity	$13,775,000	4,116
Average total loans	$134,086,000	2,846
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0329%	3,584
Cost of funding earning assets	0.3774%	3,937
Net interest margin	3.6555%	3,197
Noninterest income to average assets	0.0333%	6,330
Noninterest expense to average assets	2.0872%	5,602
Loan and lease loss provision to assets	0.0000%	4,603
Net operating income to assets	1.4918%	893
Return on assets (ROA)	1.4918%	931
Pretax return on assets	1.4810%	1,611
Return on Equity (ROE)	15.9502%	628
Retained earnings to average equity (ytd only)	-0.3270%	5,820
Net charge-offs to loans	0.0071%	4,781
Credit loss provision to net charge-offs	0.0000%	4,203
Earnings coverage of net charge-offs (x)	242.1111%	225
Efficiency ratio	58.4952%	5,406
Assets per employee ($millions)	4.3310%	3,306
Cash dividends to net income (ytd only)*	102.0501%	326
Condition Ratios (%)
Loss allowance to loans	1.2254%	3,854
Loan loss allowance to noncurrent loans	101.4870%	3,680
Noncurrent assets plus other real estate owned to assets	1.1789%	2,406
Noncurrent loans to loans	1.2074%	2,433
Net loans and leases to total assets	87.1011%	152
Net loans and leases to deposits	100.9512%	568
Net loans and leases to core deposits	105.7770%	1,029
Total domestic deposits to total assets	86.2804%	2,685
Equity capital to assets	9.0120%	5,274
Core capital (leverage) ratio	9.0572%	4,897
Tier 1 risk-based capital ratio	11.9509%	5,395
Total risk-based capital ratio	13.2028%	5,296
Memoranda:
Average total assets	$147,133,600	3,677
Average earning assets	$142,278,600	3,561
Average equity	$13,761,600	4,061
Average total loans	$127,171,600	2,925
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0272%	3,652
Cost of funding earning assets	0.3682%	4,143
Net interest margin	3.6590%	3,191
Noninterest income to average assets	0.2036%	5,710
Noninterest expense to average assets	2.0618%	5,655
Loan and lease loss provision to assets	0.0000%	4,401
Net operating income to assets	1.6984%	615
Return on assets (ROA)	1.6984%	645
Pretax return on assets	1.6810%	1,112
Return on Equity (ROE)	17.9879%	451
Retained earnings to average equity (ytd only)	1.1605%	5,424
Net charge-offs to loans	0.0074%	4,453
Credit loss provision to net charge-offs	0.0000%	3,801
Earnings coverage of net charge-offs (x)	263.0879%	257
Efficiency ratio	55.0866%	5,736
Assets per employee ($millions)	4.2954%	3,301
Cash dividends to net income (ytd only)*	93.5482%	451
Condition Ratios (%)
Loss allowance to loans	1.2603%	3,881
Loan loss allowance to noncurrent loans	100.3672%	3,665
Noncurrent assets plus other real estate owned to assets	1.2412%	2,476
Noncurrent loans to loans	1.2556%	2,543
Net loans and leases to total assets	85.4687%	224
Net loans and leases to deposits	99.3014%	651
Net loans and leases to core deposits	104.5977%	1,066
Total domestic deposits to total assets	86.0701%	2,811
Equity capital to assets	9.1966%	5,151
Core capital (leverage) ratio	9.3616%	4,557
Tier 1 risk-based capital ratio	12.4852%	5,177
Total risk-based capital ratio	13.7386%	5,111
Memoranda:
Average total assets	$146,020,500	3,728
Average earning assets	$141,237,000	3,610
Average equity	$13,786,750	4,083
Average total loans	$125,546,750	2,966
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0227%	3,643
Cost of funding earning assets	0.3589%	4,332
Net interest margin	3.6638%	3,098
Noninterest income to average assets	0.2393%	5,482
Noninterest expense to average assets	2.0639%	5,701
Loan and lease loss provision to assets	0.0000%	4,196
Net operating income to assets	1.7513%	535
Return on assets (ROA)	1.7513%	562
Pretax return on assets	1.7194%	977
Return on Equity (ROE)	18.3829%	425
Retained earnings to average equity (ytd only)	-0.5663%	5,787
Net charge-offs to loans	0.0000%	4,375
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	54.5521%	5,868
Assets per employee ($millions)	4.0439%	3,751
Cash dividends to net income (ytd only)*	103.0806%	494
Condition Ratios (%)
Loss allowance to loans	1.3039%	3,835
Loan loss allowance to noncurrent loans	167.5483%	2,479
Noncurrent assets plus other real estate owned to assets	0.8737%	3,357
Noncurrent loans to loans	0.7782%	3,753
Net loans and leases to total assets	85.6375%	201
Net loans and leases to deposits	100.7036%	519
Net loans and leases to core deposits	105.9686%	899
Total domestic deposits to total assets	85.0392%	3,484
Equity capital to assets	9.3880%	4,855
Core capital (leverage) ratio	9.4526%	4,393
Tier 1 risk-based capital ratio	12.5865%	5,169
Total risk-based capital ratio	13.8398%	5,098
Memoranda:
Average total assets	$144,581,330	3,768
Average earning assets	$139,856,000	3,651
Average equity	$13,773,670	4,090
Average total loans	$124,018,330	2,990
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9443%	3,913
Cost of funding earning assets	0.3557%	4,484
Net interest margin	3.5886%	3,300
Noninterest income to average assets	0.2998%	4,960
Noninterest expense to average assets	1.9655%	5,944
Loan and lease loss provision to assets	0.0000%	3,817
Net operating income to assets	1.8795%	416
Return on assets (ROA)	1.8795%	437
Pretax return on assets	1.8073%	792
Return on Equity (ROE)	19.5849%	322
Retained earnings to average equity (ytd only)	7.0008%	2,046
Net charge-offs to loans	0.0000%	3,660
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	52.0971%	6,133
Assets per employee ($millions)	3.9501%	4,045
Cash dividends to net income (ytd only)*	64.2541%	1,291
Condition Ratios (%)
Loss allowance to loans	1.3244%	3,988
Loan loss allowance to noncurrent loans	101.4787%	3,575
Noncurrent assets plus other real estate owned to assets	1.1933%	2,873
Noncurrent loans to loans	1.3051%	2,845
Net loans and leases to total assets	83.9586%	239
Net loans and leases to deposits	98.9062%	495
Net loans and leases to core deposits	103.8402%	868
Total domestic deposits to total assets	84.8871%	3,927
Equity capital to assets	9.5434%	4,442
Core capital (leverage) ratio	9.6581%	4,051
Tier 1 risk-based capital ratio	13.7365%	4,514
Total risk-based capital ratio	14.9911%	4,462
Memoranda:
Average total assets	$144,082,000	3,804
Average earning assets	$139,442,000	3,677
Average equity	$13,827,000	4,081
Average total loans	$122,868,500	3,011
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2552%	3,132
Cost of funding earning assets	0.3667%	4,989
Net interest margin	3.8885%	2,330
Noninterest income to average assets	0.2942%	5,248
Noninterest expense to average assets	2.1615%	5,709
Loan and lease loss provision to assets	0.0177%	4,777
Net operating income to assets	1.8089%	474
Return on assets (ROA)	1.8089%	485
Pretax return on assets	1.8466%	685
Return on Equity (ROE)	17.9998%	409
Retained earnings to average equity (ytd only)	1.5227%	5,135
Net charge-offs to loans	0.0052%	5,365
Credit loss provision to net charge-offs	400.0000%	566
Earnings coverage of net charge-offs (x)	420.3333%	101
Efficiency ratio	53.6908%	6,167
Assets per employee ($millions)	3.8381%	4,183
Cash dividends to net income (ytd only)*	91.5407%	603
Condition Ratios (%)
Loss allowance to loans	1.3569%	3,859
Loan loss allowance to noncurrent loans	128.7725%	3,008
Noncurrent assets plus other real estate owned to assets	0.9851%	3,443
Noncurrent loans to loans	1.0537%	3,407
Net loans and leases to total assets	84.3139%	234
Net loans and leases to deposits	99.6654%	496
Net loans and leases to core deposits	104.2107%	892
Total domestic deposits to total assets	84.5970%	3,927
Equity capital to assets	9.6514%	4,218
Core capital (leverage) ratio	9.7079%	3,973
Tier 1 risk-based capital ratio	14.1861%	4,165
Total risk-based capital ratio	15.4415%	4,103
Memoranda:
Average total assets	$135,279,200	3,973
Average earning assets	$129,818,200	3,848
Average equity	$13,594,600	4,146
Average total loans	$115,112,400	3,146
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2793%	3,084
Cost of funding earning assets	0.3595%	5,204
Net interest margin	3.9198%	2,198
Noninterest income to average assets	0.3104%	5,222
Noninterest expense to average assets	2.1836%	5,638
Loan and lease loss provision to assets	0.0190%	4,633
Net operating income to assets	1.8244%	499
Return on assets (ROA)	1.8244%	517
Pretax return on assets	1.8623%	776
Return on Equity (ROE)	17.9650%	446
Retained earnings to average equity (ytd only)	0.8648%	5,631
Net charge-offs to loans	0.0223%	4,681
Credit loss provision to net charge-offs	100.0000%	2,333
Earnings coverage of net charge-offs (x)	99.2211%	502
Efficiency ratio	53.7196%	6,128
Assets per employee ($millions)	3.7835%	4,282
Cash dividends to net income (ytd only)*	95.1860%	475
Condition Ratios (%)
Loss allowance to loans	1.3609%	4,075
Loan loss allowance to noncurrent loans	143.1459%	2,636
Noncurrent assets plus other real estate owned to assets	1.0822%	3,493
Noncurrent loans to loans	0.9507%	3,914
Net loans and leases to total assets	84.3458%	227
Net loans and leases to deposits	99.8419%	471
Net loans and leases to core deposits	103.6501%	897
Total domestic deposits to total assets	84.4794%	3,989
Equity capital to assets	9.7065%	4,294
Core capital (leverage) ratio	10.0815%	3,557
Tier 1 risk-based capital ratio	14.2883%	4,225
Total risk-based capital ratio	15.5438%	4,164
Memoranda:
Average total assets	$133,596,250	4,045
Average earning assets	$127,963,000	3,919
Average equity	$13,566,750	4,197
Average total loans	$113,545,000	3,192
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3098%	2,910
Cost of funding earning assets	0.3726%	5,210
Net interest margin	3.9373%	2,087
Noninterest income to average assets	0.3499%	4,889
Noninterest expense to average assets	2.0903%	5,885
Loan and lease loss provision to assets	0.0289%	4,349
Net operating income to assets	1.9564%	381
Return on assets (ROA)	1.9564%	411
Pretax return on assets	1.9929%	616
Return on Equity (ROE)	18.9680%	389
Retained earnings to average equity (ytd only)	-0.2802%	5,911
Net charge-offs to loans	0.0341%	4,211
Credit loss provision to net charge-offs	100.0000%	2,196
Earnings coverage of net charge-offs (x)	69.9474%	640
Efficiency ratio	50.8324%	6,367
Assets per employee ($millions)	3.3430%	5,183
Cash dividends to net income (ytd only)*	101.4774%	497
Condition Ratios (%)
Loss allowance to loans	1.4278%	3,907
Loan loss allowance to noncurrent loans	180.0000%	2,162
Noncurrent assets plus other real estate owned to assets	0.9012%	3,986
Noncurrent loans to loans	0.7932%	4,327
Net loans and leases to total assets	86.2568%	139
Net loans and leases to deposits	98.8277%	493
Net loans and leases to core deposits	100.2371%	1,054
Total domestic deposits to total assets	87.2800%	2,669
Equity capital to assets	10.3392%	3,505
Core capital (leverage) ratio	10.2782%	3,125
Tier 1 risk-based capital ratio	14.9829%	3,789
Total risk-based capital ratio	16.2400%	3,750
Memoranda:
Average total assets	$131,465,670	4,110
Average earning assets	$125,619,330	3,997
Average equity	$13,559,670	4,229
Average total loans	$111,492,330	3,236
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2702%	3,023
Cost of funding earning assets	0.3940%	5,167
Net interest margin	3.8762%	2,196
Noninterest income to average assets	0.3182%	5,150
Noninterest expense to average assets	2.0514%	6,004
Loan and lease loss provision to assets	0.0030%	4,385
Net operating income to assets	1.9271%	388
Return on assets (ROA)	1.9271%	424
Pretax return on assets	1.9605%	636
Return on Equity (ROE)	18.7066%	383
Retained earnings to average equity (ytd only)	5.9120%	2,729
Net charge-offs to loans	0.0036%	4,094
Credit loss provision to net charge-offs	100.0000%	1,815
Earnings coverage of net charge-offs (x)	648.0000%	49
Efficiency ratio	51.0943%	6,435
Assets per employee ($millions)	3.5972%	4,788
Cash dividends to net income (ytd only)*	68.3962%	1,132
Condition Ratios (%)
Loss allowance to loans	1.4846%	3,888
Loan loss allowance to noncurrent loans	187.2414%	1,999
Noncurrent assets plus other real estate owned to assets	0.8986%	4,139
Noncurrent loans to loans	0.7929%	4,535
Net loans and leases to total assets	81.2194%	331
Net loans and leases to deposits	92.9756%	733
Net loans and leases to core deposits	94.5177%	1,307
Total domestic deposits to total assets	87.3556%	2,721
Equity capital to assets	10.2934%	3,805
Core capital (leverage) ratio	10.2901%	3,025
Tier 1 risk-based capital ratio	15.7769%	3,387
Total risk-based capital ratio	17.0344%	3,339
Memoranda:
Average total assets	$132,010,000	4,138
Average earning assets	$125,895,000	4,023
Average equity	$13,599,500	4,271
Average total loans	$110,194,500	3,282
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5650%	3,148
Cost of funding earning assets	0.4915%	5,280
Net interest margin	4.0735%	2,108
Noninterest income to average assets	0.8566%	2,008
Noninterest expense to average assets	1.9882%	6,351
Loan and lease loss provision to assets	0.0260%	5,567
Net operating income to assets	2.6628%	127
Return on assets (ROA)	2.6628%	139
Pretax return on assets	2.7219%	190
Return on Equity (ROE)	25.9827%	103
Retained earnings to average equity (ytd only)	8.2969%	1,033
Net charge-offs to loans	0.0259%	5,533
Credit loss provision to net charge-offs	122.2222%	2,336
Earnings coverage of net charge-offs (x)	129.1481%	313
Efficiency ratio	41.9800%	6,894
Assets per employee ($millions)	3.6368%	4,694
Cash dividends to net income (ytd only)*	68.0675%	1,447
Condition Ratios (%)
Loss allowance to loans	1.4721%	3,852
Loan loss allowance to noncurrent loans	162.2510%	2,227
Noncurrent assets plus other real estate owned to assets	1.0158%	4,003
Noncurrent loans to loans	0.9073%	4,370
Net loans and leases to total assets	83.2782%	255
Net loans and leases to deposits	95.4253%	655
Net loans and leases to core deposits	96.9975%	1,223
Total domestic deposits to total assets	87.2706%	2,660
Equity capital to assets	10.3105%	3,744
Core capital (leverage) ratio	10.4850%	2,783
Tier 1 risk-based capital ratio	15.2989%	3,543
Total risk-based capital ratio	16.5558%	3,494
Memoranda:
Average total assets	$126,898,200	4,213
Average earning assets	$120,853,400	4,095
Average equity	$13,004,800	4,359
Average total loans	$104,163,600	3,422
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6098%	3,166
Cost of funding earning assets	0.5153%	5,340
Net interest margin	4.0945%	2,110
Noninterest income to average assets	0.9320%	1,729
Noninterest expense to average assets	1.9921%	6,360
Loan and lease loss provision to assets	0.0042%	5,753
Net operating income to assets	2.7632%	130
Return on assets (ROA)	2.7632%	136
Pretax return on assets	2.8320%	182
Return on Equity (ROE)	27.0050%	109
Retained earnings to average equity (ytd only)	8.3737%	1,448
Net charge-offs to loans	-0.0013%	6,190
Credit loss provision to net charge-offs	-400.0000%	6,412
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	41.2590%	6,988
Assets per employee ($millions)	3.5169%	4,943
Cash dividends to net income (ytd only)*	68.9919%	956
Condition Ratios (%)
Loss allowance to loans	1.5478%	3,741
Loan loss allowance to noncurrent loans	220.0000%	1,626
Noncurrent assets plus other real estate owned to assets	0.9280%	4,427
Noncurrent loans to loans	0.7035%	5,032
Net loans and leases to total assets	81.7913%	359
Net loans and leases to deposits	93.9505%	795
Net loans and leases to core deposits	94.8550%	1,502
Total domestic deposits to total assets	87.0579%	2,629
Equity capital to assets	10.4486%	3,903
Core capital (leverage) ratio	10.5005%	2,907
Tier 1 risk-based capital ratio	15.8918%	3,327
Total risk-based capital ratio	17.1508%	3,291
Memoranda:
Average total assets	$125,891,500	4,271
Average earning assets	$119,800,500	4,155
Average equity	$12,881,250	4,418
Average total loans	$102,539,250	3,496
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6137%	3,301
Cost of funding earning assets	0.5425%	5,354
Net interest margin	4.0712%	2,200
Noninterest income to average assets	1.1381%	1,099
Noninterest expense to average assets	2.0374%	6,359
Loan and lease loss provision to assets	0.0000%	5,619
Net operating income to assets	2.8937%	111
Return on assets (ROA)	2.8937%	116
Pretax return on assets	2.9828%	156
Return on Equity (ROE)	28.4834%	91
Retained earnings to average equity (ytd only)	7.0973%	2,048
Net charge-offs to loans	-0.0079%	6,236
Credit loss provision to net charge-offs	0.0000%	4,809
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	40.5834%	7,055
Assets per employee ($millions)	3.4490%	5,097
Cash dividends to net income (ytd only)*	75.0825%	932
Condition Ratios (%)
Loss allowance to loans	1.5599%	3,743
Loan loss allowance to noncurrent loans	278.1197%	1,282
Noncurrent assets plus other real estate owned to assets	0.8207%	4,759
Noncurrent loans to loans	0.5609%	5,387
Net loans and leases to total assets	82.6929%	289
Net loans and leases to deposits	94.9402%	701
Net loans and leases to core deposits	96.0953%	1,422
Total domestic deposits to total assets	87.1000%	2,716
Equity capital to assets	10.3678%	3,847
Core capital (leverage) ratio	10.2582%	3,086
Tier 1 risk-based capital ratio	15.8217%	3,264
Total risk-based capital ratio	17.0815%	3,225
Memoranda:
Average total assets	$125,652,000	4,300
Average earning assets	$119,816,670	4,178
Average equity	$12,765,330	4,440
Average total loans	$101,657,670	3,524
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5936%	3,537
Cost of funding earning assets	0.5954%	5,173
Net interest margin	3.9982%	2,517
Noninterest income to average assets	1.8925%	449
Noninterest expense to average assets	2.1393%	6,178
Loan and lease loss provision to assets	0.0000%	5,254
Net operating income to assets	3.4115%	87
Return on assets (ROA)	3.4115%	96
Pretax return on assets	3.5571%	117
Return on Equity (ROE)	33.9220%	74
Retained earnings to average equity (ytd only)	18.3456%	236
Net charge-offs to loans	-0.0040%	5,773
Credit loss provision to net charge-offs	0.0000%	3,998
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	37.5556%	7,159
Assets per employee ($millions)	3.5670%	4,961
Cash dividends to net income (ytd only)*	45.9184%	1,581
Condition Ratios (%)
Loss allowance to loans	1.6338%	3,604
Loan loss allowance to noncurrent loans	156.1538%	2,089
Noncurrent assets plus other real estate owned to assets	1.1930%	4,134
Noncurrent loans to loans	1.0463%	4,602
Net loans and leases to total assets	76.1409%	782
Net loans and leases to deposits	87.1387%	1,268
Net loans and leases to core deposits	88.1585%	2,033
Total domestic deposits to total assets	87.3789%	2,732
Equity capital to assets	10.1260%	3,950
Core capital (leverage) ratio	10.1669%	3,152
Tier 1 risk-based capital ratio	16.8052%	2,758
Total risk-based capital ratio	18.0653%	2,709
Memoranda:
Average total assets	$126,396,500	4,315
Average earning assets	$120,254,500	4,190
Average equity	$12,711,500	4,463
Average total loans	$100,336,000	3,589
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1398%	2,290
Cost of funding earning assets	0.7840%	4,979
Net interest margin	4.3559%	1,527
Noninterest income to average assets	0.3280%	5,196
Noninterest expense to average assets	2.3292%	5,977
Loan and lease loss provision to assets	0.0676%	5,763
Net operating income to assets	2.0638%	275
Return on assets (ROA)	2.0638%	294
Pretax return on assets	2.0893%	452
Return on Equity (ROE)	20.3458%	251
Retained earnings to average equity (ytd only)	1.5763%	5,088
Net charge-offs to loans	0.0802%	5,522
Credit loss provision to net charge-offs	101.2346%	3,435
Earnings coverage of net charge-offs (x)	32.3086%	796
Efficiency ratio	51.9199%	6,707
Assets per employee ($millions)	3.4550%	5,127
Cash dividends to net income (ytd only)*	92.2524%	482
Condition Ratios (%)
Loss allowance to loans	1.6026%	3,575
Loan loss allowance to noncurrent loans	61.7815%	4,418
Noncurrent assets plus other real estate owned to assets	2.1997%	2,740
Noncurrent loans to loans	2.5940%	2,524
Net loans and leases to total assets	80.1175%	482
Net loans and leases to deposits	92.4595%	930
Net loans and leases to core deposits	93.5840%	1,741
Total domestic deposits to total assets	86.6515%	2,948
Equity capital to assets	9.9854%	4,186
Core capital (leverage) ratio	9.9438%	3,400
Tier 1 risk-based capital ratio	15.8078%	3,154
Total risk-based capital ratio	17.0678%	3,111
Memoranda:
Average total assets	$121,331,800	4,364
Average earning assets	$115,821,200	4,244
Average equity	$12,307,200	4,475
Average total loans	$101,023,400	3,594
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1951%	2,225
Cost of funding earning assets	0.8178%	5,027
Net interest margin	4.3772%	1,469
Noninterest income to average assets	0.3152%	5,342
Noninterest expense to average assets	2.3698%	5,851
Loan and lease loss provision to assets	0.0000%	6,393
Net operating income to assets	2.0956%	295
Return on assets (ROA)	2.0956%	316
Pretax return on assets	2.1298%	488
Return on Equity (ROE)	20.5766%	278
Retained earnings to average equity (ytd only)	0.9230%	5,635
Net charge-offs to loans	-0.0013%	6,661
Credit loss provision to net charge-offs	0.0000%	5,735
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	52.6665%	6,620
Assets per employee ($millions)	3.1623%	5,761
Cash dividends to net income (ytd only)*	95.5145%	347
Condition Ratios (%)
Loss allowance to loans	1.5736%	3,783
Loan loss allowance to noncurrent loans	50.1855%	4,996
Noncurrent assets plus other real estate owned to assets	2.7106%	2,392
Noncurrent loans to loans	3.1355%	2,220
Net loans and leases to total assets	82.3143%	330
Net loans and leases to deposits	95.0045%	759
Net loans and leases to core deposits	96.3956%	1,567
Total domestic deposits to total assets	86.6424%	2,861
Equity capital to assets	9.9821%	4,367
Core capital (leverage) ratio	10.1011%	3,304
Tier 1 risk-based capital ratio	15.5166%	3,374
Total risk-based capital ratio	16.7770%	3,332
Memoranda:
Average total assets	$120,569,500	4,402
Average earning assets	$115,260,250	4,275
Average equity	$12,279,000	4,492
Average total loans	$100,960,750	3,624
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2194%	2,189
Cost of funding earning assets	0.8606%	4,979
Net interest margin	4.3588%	1,487
Noninterest income to average assets	0.2842%	5,607
Noninterest expense to average assets	2.4054%	5,824
Loan and lease loss provision to assets	0.0000%	6,217
Net operating income to assets	2.0009%	342
Return on assets (ROA)	2.0009%	359
Pretax return on assets	2.0527%	529
Return on Equity (ROE)	19.5137%	342
Retained earnings to average equity (ytd only)	-1.9237%	6,237
Net charge-offs to loans	-0.0020%	6,529
Credit loss provision to net charge-offs	0.0000%	5,336
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	53.9558%	6,626
Assets per employee ($millions)	3.0675%	5,938
Cash dividends to net income (ytd only)*	109.8580%	358
Condition Ratios (%)
Loss allowance to loans	1.5878%	3,739
Loan loss allowance to noncurrent loans	54.2628%	4,769
Noncurrent assets plus other real estate owned to assets	2.5001%	2,667
Noncurrent loans to loans	2.9261%	2,492
Net loans and leases to total assets	84.0856%	243
Net loans and leases to deposits	97.3400%	630
Net loans and leases to core deposits	98.6254%	1,454
Total domestic deposits to total assets	86.3835%	3,107
Equity capital to assets	10.1209%	3,988
Core capital (leverage) ratio	10.0350%	3,221
Tier 1 risk-based capital ratio	15.5620%	3,210
Total risk-based capital ratio	16.8228%	3,158
Memoranda:
Average total assets	$119,649,000	4,467
Average earning assets	$114,572,670	4,318
Average equity	$12,268,330	4,486
Average total loans	$100,233,670	3,680
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1565%	2,401
Cost of funding earning assets	0.8635%	5,185
Net interest margin	4.2930%	1,582
Noninterest income to average assets	0.2607%	5,801
Noninterest expense to average assets	2.3567%	6,027
Loan and lease loss provision to assets	0.0000%	5,840
Net operating income to assets	1.9055%	400
Return on assets (ROA)	1.9055%	423
Pretax return on assets	2.0091%	554
Return on Equity (ROE)	18.4638%	442
Retained earnings to average equity (ytd only)	7.9362%	1,757
Net charge-offs to loans	0.0000%	5,107
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	53.9816%	6,699
Assets per employee ($millions)	3.0965%	5,961
Cash dividends to net income (ytd only)*	57.0175%	1,317
Condition Ratios (%)
Loss allowance to loans	1.6230%	3,643
Loan loss allowance to noncurrent loans	95.4118%	3,004
Noncurrent assets plus other real estate owned to assets	1.4077%	4,165
Noncurrent loans to loans	1.7010%	3,940
Net loans and leases to total assets	81.4148%	398
Net loans and leases to deposits	94.4539%	785
Net loans and leases to core deposits	95.4572%	1,719
Total domestic deposits to total assets	86.1953%	3,403
Equity capital to assets	10.3268%	3,377
Core capital (leverage) ratio	10.2488%	2,865
Tier 1 risk-based capital ratio	16.3881%	2,711
Total risk-based capital ratio	17.6496%	2,678
Memoranda:
Average total assets	$119,656,500	4,489
Average earning assets	$114,419,500	4,344
Average equity	$12,348,500	4,474
Average total loans	$99,241,500	3,744
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1600%	3,804
Cost of funding earning assets	1.1696%	4,733
Net interest margin	3.9903%	3,059
Noninterest income to average assets	0.3822%	5,042
Noninterest expense to average assets	2.2804%	6,412
Loan and lease loss provision to assets	0.0000%	7,042
Net operating income to assets	1.8629%	368
Return on assets (ROA)	1.8629%	396
Pretax return on assets	1.8822%	637
Return on Equity (ROE)	20.5681%	220
Retained earnings to average equity (ytd only)	1.9504%	4,502
Net charge-offs to loans	0.0000%	6,850
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	54.7840%	6,736
Assets per employee ($millions)	3.2126%	5,639
Cash dividends to net income (ytd only)*	90.5172%	556
Condition Ratios (%)
Loss allowance to loans	1.4610%	4,224
Loan loss allowance to noncurrent loans	174.6544%	1,708
Noncurrent assets plus other real estate owned to assets	0.7110%	5,575
Noncurrent loans to loans	0.8365%	5,380
Net loans and leases to total assets	83.7533%	327
Net loans and leases to deposits	92.6628%	1,180
Net loans and leases to core deposits	93.7538%	2,289
Total domestic deposits to total assets	90.3850%	895
Equity capital to assets	9.4708%	4,441
Core capital (leverage) ratio	9.2552%	4,089
Tier 1 risk-based capital ratio	13.2516%	4,410
Total risk-based capital ratio	14.5077%	4,358
Memoranda:
Average total assets	$62,268,600	6,116
Average earning assets	$58,992,600	6,025
Average equity	$5,639,800	6,474
Average total loans	$47,274,200	5,591
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1078%	4,278
Cost of funding earning assets	1.2347%	4,655
Net interest margin	3.8731%	3,648
Noninterest income to average assets	0.3452%	5,404
Noninterest expense to average assets	2.2181%	6,556
Loan and lease loss provision to assets	0.0000%	6,977
Net operating income to assets	1.7642%	552
Return on assets (ROA)	1.7642%	599
Pretax return on assets	1.7898%	942
Return on Equity (ROE)	19.6979%	326
Retained earnings to average equity (ytd only)	-1.7129%	6,142
Net charge-offs to loans	0.0000%	6,671
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	55.3429%	6,641
Assets per employee ($millions)	3.3065%	5,442
Cash dividends to net income (ytd only)*	108.6959%	288
Condition Ratios (%)
Loss allowance to loans	1.5614%	3,697
Loan loss allowance to noncurrent loans	167.6991%	1,704
Noncurrent assets plus other real estate owned to assets	0.8150%	5,464
Noncurrent loans to loans	0.9311%	5,375
Net loans and leases to total assets	76.0677%	1,396
Net loans and leases to deposits	83.6259%	2,771
Net loans and leases to core deposits	84.5730%	3,867
Total domestic deposits to total assets	90.9619%	465
Equity capital to assets	8.9123%	5,689
Core capital (leverage) ratio	9.0442%	4,610
Tier 1 risk-based capital ratio	13.4591%	4,233
Total risk-based capital ratio	14.7163%	4,177
Memoranda:
Average total assets	$62,575,750	6,169
Average earning assets	$59,175,750	6,092
Average equity	$5,604,500	6,565
Average total loans	$46,122,500	5,725
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0499%	4,705
Cost of funding earning assets	1.3072%	4,489
Net interest margin	3.7427%	4,170
Noninterest income to average assets	0.3616%	5,257
Noninterest expense to average assets	2.2498%	6,504
Loan and lease loss provision to assets	0.0000%	6,857
Net operating income to assets	1.6194%	693
Return on assets (ROA)	1.6194%	749
Pretax return on assets	1.6578%	1,152
Return on Equity (ROE)	18.0510%	460
Retained earnings to average equity (ytd only)	-6.0289%	6,658
Net charge-offs to loans	0.0000%	6,371
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	57.5758%	6,440
Assets per employee ($millions)	3.2564%	5,538
Cash dividends to net income (ytd only)*	133.3992%	224
Condition Ratios (%)
Loss allowance to loans	1.6373%	3,300
Loan loss allowance to noncurrent loans	167.6991%	1,685
Noncurrent assets plus other real estate owned to assets	0.8210%	5,480
Noncurrent loans to loans	0.9763%	5,356
Net loans and leases to total assets	73.6003%	2,005
Net loans and leases to deposits	82.3621%	3,207
Net loans and leases to core deposits	83.3236%	4,237
Total domestic deposits to total assets	89.3619%	1,246
Equity capital to assets	8.8926%	5,617
Core capital (leverage) ratio	8.7863%	4,936
Tier 1 risk-based capital ratio	13.7998%	3,881
Total risk-based capital ratio	15.0589%	3,836
Memoranda:
Average total assets	$62,493,330	6,214
Average earning assets	$59,208,670	6,132
Average equity	$5,606,330	6,582
Average total loans	$45,314,670	5,804
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9299%	5,310
Cost of funding earning assets	1.4220%	4,037
Net interest margin	3.5080%	5,123
Noninterest income to average assets	0.2993%	5,754
Noninterest expense to average assets	2.2801%	6,444
Loan and lease loss provision to assets	0.0000%	6,552
Net operating income to assets	1.2738%	1,352
Return on assets (ROA)	1.2738%	1,423
Pretax return on assets	1.3502%	1,904
Return on Equity (ROE)	14.1380%	1,028
Retained earnings to average equity (ytd only)	-1.7673%	6,174
Net charge-offs to loans	0.0000%	5,609
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	62.8070%	5,690
Assets per employee ($millions)	3.2859%	5,567
Cash dividends to net income (ytd only)*	112.5000%	477
Condition Ratios (%)
Loss allowance to loans	1.7048%	3,048
Loan loss allowance to noncurrent loans	138.0692%	2,031
Noncurrent assets plus other real estate owned to assets	0.9691%	5,210
Noncurrent loans to loans	1.2348%	4,909
Net loans and leases to total assets	70.0026%	2,940
Net loans and leases to deposits	78.5069%	3,945
Net loans and leases to core deposits	79.4127%	4,843
Total domestic deposits to total assets	89.1674%	1,432
Equity capital to assets	9.0434%	5,214
Core capital (leverage) ratio	8.9732%	4,613
Tier 1 risk-based capital ratio	14.4156%	3,432
Total risk-based capital ratio	15.6743%	3,390
Memoranda:
Average total assets	$62,804,000	6,275
Average earning assets	$59,635,500	6,188
Average equity	$5,658,500	6,630
Average total loans	$44,824,000	5,894
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3569%	4,912
Cost of funding earning assets	1.9122%	3,394
Net interest margin	3.4447%	5,195
Noninterest income to average assets	0.4548%	4,763
Noninterest expense to average assets	2.1367%	7,108
Loan and lease loss provision to assets	0.1995%	5,743
Net operating income to assets	1.3516%	938
Return on assets (ROA)	1.3516%	986
Pretax return on assets	1.3755%	1,491
Return on Equity (ROE)	15.1396%	652
Retained earnings to average equity (ytd only)	3.9681%	2,425
Net charge-offs to loans	0.2764%	4,900
Credit loss provision to net charge-offs	98.4252%	5,660
Earnings coverage of net charge-offs (x)	7.7717%	2,072
Efficiency ratio	57.5666%	6,824
Assets per employee ($millions)	3.3251%	5,441
Cash dividends to net income (ytd only)*	73.7898%	1,406
Condition Ratios (%)
Loss allowance to loans	1.6775%	2,977
Loan loss allowance to noncurrent loans	112.2963%	2,500
Noncurrent assets plus other real estate owned to assets	1.0684%	4,958
Noncurrent loans to loans	1.4938%	4,425
Net loans and leases to total assets	70.3242%	3,178
Net loans and leases to deposits	78.8429%	4,204
Net loans and leases to core deposits	89.9370%	5,133
Total domestic deposits to total assets	89.1953%	1,391
Equity capital to assets	8.9765%	5,181
Core capital (leverage) ratio	8.5506%	5,195
Tier 1 risk-based capital ratio	13.9969%	3,502
Total risk-based capital ratio	15.2557%	3,452
Memoranda:
Average total assets	$62,666,600	6,250
Average earning assets	$59,250,800	6,152
Average equity	$5,594,600	6,745
Average total loans	$45,944,000	5,839
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4492%	4,691
Cost of funding earning assets	2.0070%	3,326
Net interest margin	3.4422%	5,102
Noninterest income to average assets	0.4946%	4,530
Noninterest expense to average assets	1.9529%	7,462
Loan and lease loss provision to assets	0.0000%	7,284
Net operating income to assets	1.7567%	499
Return on assets (ROA)	1.7567%	521
Pretax return on assets	1.7887%	818
Return on Equity (ROE)	19.7048%	328
Retained earnings to average equity (ytd only)	4.7589%	2,628
Net charge-offs to loans	0.0058%	6,883
Credit loss provision to net charge-offs	0.0000%	6,657
Earnings coverage of net charge-offs (x)	418.9663%	85
Efficiency ratio	52.1937%	7,395
Assets per employee ($millions)	3.2793%	5,453
Cash dividends to net income (ytd only)*	75.8492%	1,082
Condition Ratios (%)
Loss allowance to loans	1.7039%	2,614
Loan loss allowance to noncurrent loans	50.9409%	4,923
Noncurrent assets plus other real estate owned to assets	2.3882%	2,887
Noncurrent loans to loans	3.3449%	2,257
Net loans and leases to total assets	70.1826%	3,461
Net loans and leases to deposits	78.7140%	4,615
Net loans and leases to core deposits	91.2216%	5,309
Total domestic deposits to total assets	89.1616%	1,126
Equity capital to assets	9.0649%	5,392
Core capital (leverage) ratio	8.9671%	4,697
Tier 1 risk-based capital ratio	13.3425%	3,961
Total risk-based capital ratio	14.5992%	3,904
Memoranda:
Average total assets	$62,539,250	6,295
Average earning assets	$58,991,750	6,215
Average equity	$5,575,500	6,822
Average total loans	$46,133,500	5,876
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5780%	4,174
Cost of funding earning assets	2.1015%	3,260
Net interest margin	3.4765%	4,912
Noninterest income to average assets	0.5430%	4,088
Noninterest expense to average assets	1.9068%	7,614
Loan and lease loss provision to assets	0.0000%	7,158
Net operating income to assets	1.8749%	394
Return on assets (ROA)	1.8749%	425
Pretax return on assets	1.9228%	662
Return on Equity (ROE)	21.1481%	275
Retained earnings to average equity (ytd only)	4.9358%	2,546
Net charge-offs to loans	0.0086%	6,454
Credit loss provision to net charge-offs	0.0000%	6,237
Earnings coverage of net charge-offs (x)	301.0000%	129
Efficiency ratio	49.7915%	7,684
Assets per employee ($millions)	3.1237%	5,801
Cash dividends to net income (ytd only)*	76.6610%	1,152
Condition Ratios (%)
Loss allowance to loans	1.6743%	2,430
Loan loss allowance to noncurrent loans	41.3079%	5,604
Noncurrent assets plus other real estate owned to assets	2.9373%	2,172
Noncurrent loans to loans	4.0533%	1,657
Net loans and leases to total assets	71.2532%	3,409
Net loans and leases to deposits	79.7885%	4,575
Net loans and leases to core deposits	92.4371%	5,303
Total domestic deposits to total assets	89.3026%	1,123
Equity capital to assets	8.9415%	5,397
Core capital (leverage) ratio	8.8494%	4,863
Tier 1 risk-based capital ratio	13.0817%	4,083
Total risk-based capital ratio	14.3392%	3,993
Memoranda:
Average total assets	$62,617,000	6,349
Average earning assets	$59,197,000	6,267
Average equity	$5,551,330	6,879
Average total loans	$46,682,670	5,906
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5691%	4,530
Cost of funding earning assets	2.2155%	3,085
Net interest margin	3.3536%	5,309
Noninterest income to average assets	0.5806%	3,681
Noninterest expense to average assets	1.9397%	7,465
Loan and lease loss provision to assets	0.0000%	6,744
Net operating income to assets	1.7228%	619
Return on assets (ROA)	1.7228%	679
Pretax return on assets	1.8185%	943
Return on Equity (ROE)	19.5157%	459
Retained earnings to average equity (ytd only)	12.2877%	742
Net charge-offs to loans	0.0169%	5,336
Credit loss provision to net charge-offs	0.0000%	5,248
Earnings coverage of net charge-offs (x)	142.5000%	309
Efficiency ratio	51.6129%	7,452
Assets per employee ($millions)	3.5194%	4,770
Cash dividends to net income (ytd only)*	37.0370%	2,144
Condition Ratios (%)
Loss allowance to loans	1.6188%	2,451
Loan loss allowance to noncurrent loans	58.0843%	4,721
Noncurrent assets plus other real estate owned to assets	2.0600%	2,812
Noncurrent loans to loans	2.7869%	2,353
Net loans and leases to total assets	72.7198%	3,067
Net loans and leases to deposits	82.8248%	4,158
Net loans and leases to core deposits	95.9290%	4,977
Total domestic deposits to total assets	87.7995%	1,840
Equity capital to assets	8.8698%	5,525
Core capital (leverage) ratio	8.9276%	4,826
Tier 1 risk-based capital ratio	12.8567%	4,283
Total risk-based capital ratio	14.1128%	4,200
Memoranda:
Average total assets	$62,689,000	6,371
Average earning assets	$59,399,000	6,284
Average equity	$5,534,000	6,933
Average total loans	$47,388,000	5,895
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.2072%	4,479
Cost of funding earning assets	2.9176%	2,185
Net interest margin	3.2896%	6,076
Noninterest income to average assets	0.3735%	5,706
Noninterest expense to average assets	1.8471%	7,695
Loan and lease loss provision to assets	0.0000%	7,334
Net operating income to assets	1.6128%	817
Return on assets (ROA)	1.6128%	775
Pretax return on assets	1.6334%	1,301
Return on Equity (ROE)	18.8564%	460
Retained earnings to average equity (ytd only)	1.2768%	4,451
Net charge-offs to loans	0.0519%	6,048
Credit loss provision to net charge-offs	0.0000%	6,652
Earnings coverage of net charge-offs (x)	41.2800%	893
Efficiency ratio	53.0696%	7,373
Assets per employee ($millions)	3.6487%	4,288
Cash dividends to net income (ytd only)*	93.2287%	1,180
Condition Ratios (%)
Loss allowance to loans	1.5850%	2,306
Loan loss allowance to noncurrent loans	85.8757%	3,930
Noncurrent assets plus other real estate owned to assets	1.4929%	3,236
Noncurrent loans to loans	1.8457%	2,993
Net loans and leases to total assets	76.0785%	2,599
Net loans and leases to deposits	86.6762%	4,009
Net loans and leases to core deposits	98.4746%	4,991
Total domestic deposits to total assets	87.7733%	1,567
Equity capital to assets	8.7847%	5,678
Core capital (leverage) ratio	8.6300%	5,321
Tier 1 risk-based capital ratio	12.3883%	4,515
Total risk-based capital ratio	13.6433%	4,406
Memoranda:
Average total assets	$63,181,800	6,268
Average earning assets	$59,672,200	6,186
Average equity	$5,404,000	7,016
Average total loans	$48,210,800	5,773