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Legends Bank, Performance and Condition Ratios

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2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3765%	1,350
Cost of funding earning assets	2.1021%	781
Net interest margin	3.2744%	2,695
Noninterest income to average assets	0.4700%	2,124
Noninterest expense to average assets	2.4521%	2,436
Loan and lease loss provision to assets	0.0300%	2,526
Net operating income to assets	0.8454%	2,723
Return on assets (ROA)	0.8521%	2,673
Pretax return on assets	1.0510%	2,532
Return on Equity (ROE)	10.4900%	2,364
Retained earnings to average equity (ytd only)	10.4876%	911
Net charge-offs to loans	0.0321%	1,654
Credit loss provision to net charge-offs	129.2135%	1,606
Earnings coverage of net charge-offs (x)	50.6629%	1,288
Efficiency ratio	69.5615%	1,940
Assets per employee ($millions)	7.6217%	1,647
Cash dividends to net income (ytd only)*	0.0000%	3,404
Condition Ratios (%)
Loss allowance to loans	0.8931%	3,736
Loan loss allowance to noncurrent loans	330.4862%	1,900
Noncurrent assets plus other real estate owned to assets	0.1783%	2,346
Noncurrent loans to loans	0.2702%	2,218
Net loans and leases to total assets	65.3900%	2,322
Net loans and leases to deposits	73.3515%	2,664
Net loans and leases to core deposits	81.5994%	2,613
Total domestic deposits to total assets	89.1500%	1,018
Equity capital to assets	8.6122%	2,961
Core capital (leverage) ratio	9.3772%	3,360
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.9562%	2,258
Memoranda:
Average total assets	$840,467,400	1,144
Average earning assets	$785,270,800	1,120
Average equity	$68,290,000	1,273
Average total loans	$555,177,400	1,145
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3008%	1,293
Cost of funding earning assets	2.0338%	663
Net interest margin	3.2669%	2,760
Noninterest income to average assets	0.4600%	2,156
Noninterest expense to average assets	2.4947%	2,247
Loan and lease loss provision to assets	0.0200%	2,562
Net operating income to assets	0.8120%	2,990
Return on assets (ROA)	0.8212%	2,949
Pretax return on assets	1.0059%	2,841
Return on Equity (ROE)	10.2600%	2,569
Retained earnings to average equity (ytd only)	10.2630%	1,331
Net charge-offs to loans	0.0417%	1,287
Credit loss provision to net charge-offs	57.8035%	1,868
Earnings coverage of net charge-offs (x)	36.8266%	1,492
Efficiency ratio	71.0869%	1,670
Assets per employee ($millions)	7.5844%	1,576
Cash dividends to net income (ytd only)*	0.0000%	3,002
Condition Ratios (%)
Loss allowance to loans	0.8781%	3,805
Loan loss allowance to noncurrent loans	1,916.0156%	548
Noncurrent assets plus other real estate owned to assets	0.0307%	3,500
Noncurrent loans to loans	0.0458%	3,428
Net loans and leases to total assets	66.3700%	2,211
Net loans and leases to deposits	76.3003%	2,387
Net loans and leases to core deposits	83.1859%	2,379
Total domestic deposits to total assets	86.9800%	1,901
Equity capital to assets	8.0272%	3,041
Core capital (leverage) ratio	9.1237%	3,658
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.6644%	2,403
Memoranda:
Average total assets	$837,175,500	1,148
Average earning assets	$781,957,500	1,125
Average equity	$66,983,250	1,282
Average total loans	$553,164,000	1,140
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1679%	1,263
Cost of funding earning assets	1.9126%	587
Net interest margin	3.2553%	2,856
Noninterest income to average assets	0.4600%	2,088
Noninterest expense to average assets	2.4953%	2,221
Loan and lease loss provision to assets	0.0200%	2,476
Net operating income to assets	0.8057%	3,065
Return on assets (ROA)	0.8192%	3,033
Pretax return on assets	1.0094%	2,887
Return on Equity (ROE)	10.2500%	2,632
Retained earnings to average equity (ytd only)	10.2496%	1,343
Net charge-offs to loans	0.0617%	933
Credit loss provision to net charge-offs	38.2353%	1,716
Earnings coverage of net charge-offs (x)	25.0000%	1,639
Efficiency ratio	71.1022%	1,655
Assets per employee ($millions)	7.4241%	1,643
Cash dividends to net income (ytd only)*	0.0000%	2,909
Condition Ratios (%)
Loss allowance to loans	0.8696%	3,859
Loan loss allowance to noncurrent loans	20,304.1667%	85
Noncurrent assets plus other real estate owned to assets	0.0028%	3,863
Noncurrent loans to loans	0.0043%	3,787
Net loans and leases to total assets	65.6400%	2,192
Net loans and leases to deposits	73.3896%	2,550
Net loans and leases to core deposits	79.3502%	2,517
Total domestic deposits to total assets	89.4400%	1,097
Equity capital to assets	8.0496%	3,177
Core capital (leverage) ratio	8.9260%	3,837
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.3997%	2,505
Memoranda:
Average total assets	$838,141,000	1,140
Average earning assets	$785,003,000	1,120
Average equity	$66,988,000	1,281
Average total loans	$551,353,333	1,132
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0218%	1,191
Cost of funding earning assets	1.7548%	490
Net interest margin	3.2670%	2,958
Noninterest income to average assets	0.4400%	2,155
Noninterest expense to average assets	2.4498%	2,370
Loan and lease loss provision to assets	0.0200%	2,260
Net operating income to assets	0.8283%	3,100
Return on assets (ROA)	0.8551%	2,949
Pretax return on assets	1.0652%	2,812
Return on Equity (ROE)	10.7400%	2,563
Retained earnings to average equity (ytd only)	10.7380%	1,531
Net charge-offs to loans	0.1031%	587
Credit loss provision to net charge-offs	28.3688%	1,360
Earnings coverage of net charge-offs (x)	15.5390%	1,541
Efficiency ratio	69.9822%	1,752
Assets per employee ($millions)	7.0692%	1,925
Cash dividends to net income (ytd only)*	0.0000%	2,306
Condition Ratios (%)
Loss allowance to loans	0.8838%	3,899
Loan loss allowance to noncurrent loans	2,868.8235%	442
Noncurrent assets plus other real estate owned to assets	0.0202%	3,606
Noncurrent loans to loans	0.0308%	3,540
Net loans and leases to total assets	65.0200%	2,152
Net loans and leases to deposits	71.8105%	2,482
Net loans and leases to core deposits	77.3389%	2,437
Total domestic deposits to total assets	90.5400%	966
Equity capital to assets	8.0948%	3,174
Core capital (leverage) ratio	8.8381%	3,865
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.2895%	2,639
Memoranda:
Average total assets	$834,040,000	1,157
Average earning assets	$781,632,000	1,142
Average equity	$66,418,500	1,295
Average total loans	$546,834,000	1,151
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2605%	1,141
Cost of funding earning assets	0.7677%	435
Net interest margin	3.4927%	1,953
Noninterest income to average assets	0.5700%	1,784
Noninterest expense to average assets	2.4894%	2,155
Loan and lease loss provision to assets	-0.0900%	4,511
Net operating income to assets	1.1395%	2,013
Return on assets (ROA)	1.0454%	2,338
Pretax return on assets	1.3313%	1,993
Return on Equity (ROE)	13.3100%	1,705
Retained earnings to average equity (ytd only)	13.3067%	470
Net charge-offs to loans	0.0018%	2,476
Credit loss provision to net charge-offs	-8,277.7778%	4,713
Earnings coverage of net charge-offs (x)	1,199.0000%	149
Efficiency ratio	64.7249%	2,399
Assets per employee ($millions)	7.1280%	1,874
Cash dividends to net income (ytd only)*	0.0000%	3,453
Condition Ratios (%)
Loss allowance to loans	0.9981%	3,402
Loan loss allowance to noncurrent loans	2,331.0345%	542
Noncurrent assets plus other real estate owned to assets	0.0281%	3,538
Noncurrent loans to loans	0.0428%	3,457
Net loans and leases to total assets	64.8800%	2,158
Net loans and leases to deposits	71.5731%	2,446
Net loans and leases to core deposits	76.1386%	2,409
Total domestic deposits to total assets	90.6500%	1,082
Equity capital to assets	7.8299%	3,164
Core capital (leverage) ratio	8.6125%	4,038
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.1622%	2,683
Memoranda:
Average total assets	$795,382,400	1,191
Average earning assets	$744,915,800	1,173
Average equity	$62,487,200	1,353
Average total loans	$495,713,200	1,186
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0157%	1,242
Cost of funding earning assets	0.5596%	550
Net interest margin	3.4561%	1,791
Noninterest income to average assets	0.6500%	1,510
Noninterest expense to average assets	2.5318%	1,917
Loan and lease loss provision to assets	0.0100%	2,534
Net operating income to assets	1.0697%	2,211
Return on assets (ROA)	1.0697%	2,170
Pretax return on assets	1.3524%	1,875
Return on Equity (ROE)	13.6000%	1,536
Retained earnings to average equity (ytd only)	13.6035%	523
Net charge-offs to loans	-0.0066%	3,569
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	0.0000%	2,297
Efficiency ratio	65.0966%	2,398
Assets per employee ($millions)	6.8231%	2,076
Cash dividends to net income (ytd only)*	0.0000%	3,071
Condition Ratios (%)
Loss allowance to loans	1.1793%	2,640
Loan loss allowance to noncurrent loans	1,662.0321%	653
Noncurrent assets plus other real estate owned to assets	0.0461%	3,442
Noncurrent loans to loans	0.0710%	3,367
Net loans and leases to total assets	64.1500%	2,068
Net loans and leases to deposits	70.4459%	2,323
Net loans and leases to core deposits	75.0388%	2,275
Total domestic deposits to total assets	91.0600%	1,216
Equity capital to assets	7.5938%	3,159
Core capital (leverage) ratio	8.4726%	4,081
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.2611%	2,724
Memoranda:
Average total assets	$787,516,500	1,205
Average earning assets	$737,386,000	1,189
Average equity	$61,923,750	1,380
Average total loans	$484,177,750	1,204
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7877%	1,347
Cost of funding earning assets	0.4279%	769
Net interest margin	3.3598%	1,721
Noninterest income to average assets	0.7550%	1,162
Noninterest expense to average assets	2.5698%	1,726
Loan and lease loss provision to assets	0.0077%	2,460
Net operating income to assets	1.0473%	1,985
Return on assets (ROA)	1.0473%	1,954
Pretax return on assets	1.3244%	1,664
Return on Equity (ROE)	13.1619%	1,337
Retained earnings to average equity (ytd only)	13.1619%	447
Net charge-offs to loans	-0.0264%	3,999
Credit loss provision to net charge-offs	-48.3871%	3,039
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	65.8599%	2,532
Assets per employee ($millions)	7.1470%	1,847
Cash dividends to net income (ytd only)*	0.0000%	2,927
Condition Ratios (%)
Loss allowance to loans	1.2572%	2,395
Loan loss allowance to noncurrent loans	706.6667%	1,211
Noncurrent assets plus other real estate owned to assets	0.1067%	2,962
Noncurrent loans to loans	0.1779%	2,809
Net loans and leases to total assets	59.2474%	2,414
Net loans and leases to deposits	65.0102%	2,640
Net loans and leases to core deposits	69.6262%	2,515
Total domestic deposits to total assets	91.1355%	1,170
Equity capital to assets	7.4752%	3,497
Core capital (leverage) ratio	8.6654%	3,791
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.6874%	2,617
Memoranda:
Average total assets	$779,372,000	1,215
Average earning assets	$729,993,000	1,211
Average equity	$62,012,333	1,408
Average total loans	$469,879,333	1,226
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6355%	1,408
Cost of funding earning assets	0.3969%	889
Net interest margin	3.2385%	1,758
Noninterest income to average assets	0.9956%	683
Noninterest expense to average assets	2.4837%	1,921
Loan and lease loss provision to assets	0.0159%	2,064
Net operating income to assets	1.2076%	1,230
Return on assets (ROA)	1.2076%	1,218
Pretax return on assets	1.5496%	921
Return on Equity (ROE)	14.6893%	705
Retained earnings to average equity (ytd only)	14.6893%	314
Net charge-offs to loans	-0.0377%	4,172
Credit loss provision to net charge-offs	-69.7674%	2,848
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	61.3380%	3,345
Assets per employee ($millions)	6.6603%	2,254
Cash dividends to net income (ytd only)*	0.0000%	2,254
Condition Ratios (%)
Loss allowance to loans	1.3237%	2,246
Loan loss allowance to noncurrent loans	755.7576%	1,111
Noncurrent assets plus other real estate owned to assets	0.1096%	3,039
Noncurrent loans to loans	0.1752%	2,944
Net loans and leases to total assets	61.7557%	1,889
Net loans and leases to deposits	68.3714%	2,113
Net loans and leases to core deposits	73.8498%	1,951
Total domestic deposits to total assets	90.3239%	1,373
Equity capital to assets	8.1439%	3,455
Core capital (leverage) ratio	8.4448%	3,915
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.6041%	2,743
Memoranda:
Average total assets	$754,530,000	1,252
Average earning assets	$711,432,500	1,234
Average equity	$62,031,500	1,442
Average total loans	$456,095,000	1,245
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0381%	1,269
Cost of funding earning assets	0.4419%	1,250
Net interest margin	3.5963%	1,480
Noninterest income to average assets	1.2340%	700
Noninterest expense to average assets	2.8791%	1,198
Loan and lease loss provision to assets	0.0387%	2,273
Net operating income to assets	1.3345%	1,497
Return on assets (ROA)	1.3365%	1,527
Pretax return on assets	1.7170%	1,105
Return on Equity (ROE)	15.1350%	925
Retained earnings to average equity (ytd only)	12.6046%	457
Net charge-offs to loans	0.0496%	1,321
Credit loss provision to net charge-offs	119.8157%	1,648
Earnings coverage of net charge-offs (x)	54.2350%	1,254
Efficiency ratio	62.1527%	2,849
Assets per employee ($millions)	6.8768%	2,011
Cash dividends to net income (ytd only)*	16.7187%	3,138
Condition Ratios (%)
Loss allowance to loans	1.3967%	1,935
Loan loss allowance to noncurrent loans	942.2018%	903
Noncurrent assets plus other real estate owned to assets	0.0865%	3,337
Noncurrent loans to loans	0.1482%	3,196
Net loans and leases to total assets	57.5072%	2,425
Net loans and leases to deposits	63.7494%	2,706
Net loans and leases to core deposits	69.0873%	2,540
Total domestic deposits to total assets	90.2083%	864
Equity capital to assets	8.2981%	4,178
Core capital (leverage) ratio	8.4207%	4,000
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.9917%	2,635
Memoranda:
Average total assets	$671,290,000	1,324
Average earning assets	$634,325,200	1,317
Average equity	$59,280,000	1,525
Average total loans	$437,552,600	1,293
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1357%	1,226
Cost of funding earning assets	0.4558%	1,315
Net interest margin	3.6800%	1,384
Noninterest income to average assets	1.2716%	721
Noninterest expense to average assets	2.8873%	1,154
Loan and lease loss provision to assets	0.0512%	1,965
Net operating income to assets	1.4097%	1,509
Return on assets (ROA)	1.4125%	1,564
Pretax return on assets	1.8063%	1,150
Return on Equity (ROE)	15.7191%	1,002
Retained earnings to average equity (ytd only)	12.2950%	776
Net charge-offs to loans	0.0507%	1,162
Credit loss provision to net charge-offs	150.6024%	1,356
Earnings coverage of net charge-offs (x)	54.4518%	1,192
Efficiency ratio	60.8955%	2,847
Assets per employee ($millions)	6.5504%	2,206
Cash dividends to net income (ytd only)*	21.7833%	2,460
Condition Ratios (%)
Loss allowance to loans	1.4091%	1,986
Loan loss allowance to noncurrent loans	774.4070%	975
Noncurrent assets plus other real estate owned to assets	0.1122%	3,362
Noncurrent loans to loans	0.1820%	3,218
Net loans and leases to total assets	60.7862%	2,165
Net loans and leases to deposits	67.7216%	2,462
Net loans and leases to core deposits	74.2326%	2,212
Total domestic deposits to total assets	89.7589%	888
Equity capital to assets	8.5661%	4,165
Core capital (leverage) ratio	8.4521%	4,076
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.9527%	2,720
Memoranda:
Average total assets	$650,001,000	1,378
Average earning assets	$612,884,500	1,366
Average equity	$58,407,250	1,568
Average total loans	$436,647,500	1,316
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2071%	1,179
Cost of funding earning assets	0.4715%	1,372
Net interest margin	3.7356%	1,252
Noninterest income to average assets	1.3880%	617
Noninterest expense to average assets	2.9570%	1,054
Loan and lease loss provision to assets	0.0795%	1,524
Net operating income to assets	1.4544%	1,411
Return on assets (ROA)	1.4586%	1,465
Pretax return on assets	1.8706%	1,074
Return on Equity (ROE)	15.9508%	970
Retained earnings to average equity (ytd only)	10.7324%	1,187
Net charge-offs to loans	0.0179%	1,585
Credit loss provision to net charge-offs	641.0256%	597
Earnings coverage of net charge-offs (x)	156.7436%	578
Efficiency ratio	60.3258%	2,973
Assets per employee ($millions)	5.9512%	2,666
Cash dividends to net income (ytd only)*	32.7154%	1,927
Condition Ratios (%)
Loss allowance to loans	1.4202%	1,887
Loan loss allowance to noncurrent loans	608.0692%	1,094
Noncurrent assets plus other real estate owned to assets	0.1576%	3,205
Noncurrent loans to loans	0.2336%	3,115
Net loans and leases to total assets	66.5151%	1,631
Net loans and leases to deposits	74.4861%	1,955
Net loans and leases to core deposits	82.6963%	1,664
Total domestic deposits to total assets	89.2987%	1,142
Equity capital to assets	8.9391%	3,846
Core capital (leverage) ratio	8.8894%	3,592
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.1789%	2,655
Memoranda:
Average total assets	$628,670,333	1,409
Average earning assets	$591,340,667	1,402
Average equity	$57,489,333	1,583
Average total loans	$435,459,333	1,319
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2989%	1,040
Cost of funding earning assets	0.4905%	1,450
Net interest margin	3.8083%	1,119
Noninterest income to average assets	1.5975%	546
Noninterest expense to average assets	2.9743%	1,041
Loan and lease loss provision to assets	0.1632%	772
Net operating income to assets	1.5690%	1,181
Return on assets (ROA)	1.5772%	1,224
Pretax return on assets	2.0538%	867
Return on Equity (ROE)	17.0414%	842
Retained earnings to average equity (ytd only)	11.7512%	1,214
Net charge-offs to loans	-0.0009%	3,044
Credit loss provision to net charge-offs	-25,000.0000%	3,841
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	57.4093%	3,382
Assets per employee ($millions)	5.9272%	2,667
Cash dividends to net income (ytd only)*	31.0430%	1,682
Condition Ratios (%)
Loss allowance to loans	1.4807%	1,673
Loan loss allowance to noncurrent loans	510.8260%	1,160
Noncurrent assets plus other real estate owned to assets	0.1985%	3,170
Noncurrent loans to loans	0.2899%	3,066
Net loans and leases to total assets	67.4588%	1,601
Net loans and leases to deposits	75.9364%	1,917
Net loans and leases to core deposits	85.0506%	1,587
Total domestic deposits to total assets	88.8360%	1,424
Equity capital to assets	9.0710%	3,617
Core capital (leverage) ratio	9.2184%	3,359
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.5566%	2,467
Memoranda:
Average total assets	$612,713,500	1,425
Average earning assets	$576,525,500	1,414
Average equity	$56,709,000	1,591
Average total loans	$430,330,000	1,333
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7034%	886
Cost of funding earning assets	0.7134%	1,655
Net interest margin	3.9900%	989
Noninterest income to average assets	1.1954%	779
Noninterest expense to average assets	3.0853%	1,262
Loan and lease loss provision to assets	0.3914%	813
Net operating income to assets	1.1138%	1,870
Return on assets (ROA)	1.1678%	1,773
Pretax return on assets	1.4949%	1,345
Return on Equity (ROE)	11.9173%	1,343
Retained earnings to average equity (ytd only)	7.2181%	1,310
Net charge-offs to loans	0.0110%	2,930
Credit loss provision to net charge-offs	4,722.2222%	222
Earnings coverage of net charge-offs (x)	219.3333%	440
Efficiency ratio	62.9226%	2,992
Assets per employee ($millions)	5.7975%	2,549
Cash dividends to net income (ytd only)*	39.4322%	2,388
Condition Ratios (%)
Loss allowance to loans	1.4215%	1,885
Loan loss allowance to noncurrent loans	640.7330%	952
Noncurrent assets plus other real estate owned to assets	0.1599%	3,473
Noncurrent loans to loans	0.2219%	3,409
Net loans and leases to total assets	71.0614%	1,416
Net loans and leases to deposits	80.3858%	1,820
Net loans and leases to core deposits	91.4748%	1,425
Total domestic deposits to total assets	88.4004%	1,275
Equity capital to assets	9.4494%	3,660
Core capital (leverage) ratio	9.2475%	3,393
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.3131%	2,513
Memoranda:
Average total assets	$542,903,600	1,447
Average earning assets	$504,508,800	1,445
Average equity	$53,199,800	1,598
Average total loans	$410,484,400	1,324
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7238%	1,012
Cost of funding earning assets	0.7158%	1,928
Net interest margin	4.0080%	1,099
Noninterest income to average assets	1.0521%	944
Noninterest expense to average assets	3.1220%	1,194
Loan and lease loss provision to assets	0.3527%	1,072
Net operating income to assets	1.0093%	2,306
Return on assets (ROA)	1.0831%	2,170
Pretax return on assets	1.3815%	1,790
Return on Equity (ROE)	10.9426%	1,700
Retained earnings to average equity (ytd only)	5.8530%	2,167
Net charge-offs to loans	0.0148%	2,591
Credit loss provision to net charge-offs	3,111.1111%	340
Earnings coverage of net charge-offs (x)	144.7556%	622
Efficiency ratio	65.5508%	2,521
Assets per employee ($millions)	5.5137%	2,697
Cash dividends to net income (ytd only)*	46.5116%	1,650
Condition Ratios (%)
Loss allowance to loans	1.2473%	2,405
Loan loss allowance to noncurrent loans	641.3793%	869
Noncurrent assets plus other real estate owned to assets	0.1481%	3,674
Noncurrent loans to loans	0.1945%	3,619
Net loans and leases to total assets	75.1977%	1,208
Net loans and leases to deposits	87.1634%	1,575
Net loans and leases to core deposits	97.9129%	1,313
Total domestic deposits to total assets	86.2721%	1,948
Equity capital to assets	9.6177%	3,586
Core capital (leverage) ratio	9.3226%	3,428
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.4901%	2,423
Memoranda:
Average total assets	$529,344,500	1,457
Average earning assets	$490,072,250	1,454
Average equity	$52,393,250	1,609
Average total loans	$405,491,750	1,328
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7681%	1,244
Cost of funding earning assets	0.7694%	1,997
Net interest margin	3.9987%	1,326
Noninterest income to average assets	1.0025%	980
Noninterest expense to average assets	3.1296%	1,286
Loan and lease loss provision to assets	0.3872%	1,062
Net operating income to assets	0.9420%	2,532
Return on assets (ROA)	1.0537%	2,266
Pretax return on assets	1.3402%	1,901
Return on Equity (ROE)	10.5361%	1,798
Retained earnings to average equity (ytd only)	4.7279%	2,595
Net charge-offs to loans	0.0227%	2,263
Credit loss provision to net charge-offs	2,222.2222%	442
Earnings coverage of net charge-offs (x)	91.0222%	741
Efficiency ratio	66.3656%	2,463
Assets per employee ($millions)	5.4768%	2,664
Cash dividends to net income (ytd only)*	55.1268%	1,384
Condition Ratios (%)
Loss allowance to loans	1.1686%	2,679
Loan loss allowance to noncurrent loans	499.4000%	1,010
Noncurrent assets plus other real estate owned to assets	0.1773%	3,646
Noncurrent loans to loans	0.2340%	3,540
Net loans and leases to total assets	74.8687%	1,293
Net loans and leases to deposits	86.6982%	1,695
Net loans and leases to core deposits	97.4494%	1,461
Total domestic deposits to total assets	86.3556%	1,863
Equity capital to assets	9.4594%	3,696
Core capital (leverage) ratio	9.4919%	3,353
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.4580%	2,417
Memoranda:
Average total assets	$516,489,000	1,466
Average earning assets	$479,600,000	1,457
Average equity	$51,651,000	1,618
Average total loans	$396,505,667	1,334
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9186%	1,150
Cost of funding earning assets	0.9149%	1,792
Net interest margin	4.0037%	1,385
Noninterest income to average assets	0.8574%	1,152
Noninterest expense to average assets	3.2346%	1,353
Loan and lease loss provision to assets	0.2923%	1,060
Net operating income to assets	0.8371%	2,759
Return on assets (ROA)	1.0481%	2,109
Pretax return on assets	1.3282%	1,791
Return on Equity (ROE)	10.1662%	1,688
Retained earnings to average equity (ytd only)	4.2602%	2,587
Net charge-offs to loans	0.0073%	2,304
Credit loss provision to net charge-offs	5,142.8571%	150
Earnings coverage of net charge-offs (x)	238.1429%	293
Efficiency ratio	70.5008%	2,279
Assets per employee ($millions)	4.6205%	3,095
Cash dividends to net income (ytd only)*	58.0945%	1,435
Condition Ratios (%)
Loss allowance to loans	1.1544%	2,915
Loan loss allowance to noncurrent loans	659.4595%	761
Noncurrent assets plus other real estate owned to assets	0.1360%	3,961
Noncurrent loans to loans	0.1751%	3,843
Net loans and leases to total assets	76.7826%	1,171
Net loans and leases to deposits	88.3721%	1,714
Net loans and leases to core deposits	102.5718%	1,276
Total domestic deposits to total assets	86.8856%	1,608
Equity capital to assets	10.2414%	3,566
Core capital (leverage) ratio	10.4188%	3,024
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.6210%	2,433
Memoranda:
Average total assets	$492,680,500	1,483
Average earning assets	$459,077,500	1,471
Average equity	$50,796,000	1,641
Average total loans	$381,092,000	1,352
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1113%	1,190
Cost of funding earning assets	1.2234%	965
Net interest margin	3.8880%	2,222
Noninterest income to average assets	0.7542%	1,613
Noninterest expense to average assets	2.8846%	2,339
Loan and lease loss provision to assets	0.0694%	2,619
Net operating income to assets	1.1037%	2,431
Return on assets (ROA)	1.1091%	2,499
Pretax return on assets	1.4366%	2,027
Return on Equity (ROE)	11.2802%	1,782
Retained earnings to average equity (ytd only)	6.6739%	1,533
Net charge-offs to loans	0.0713%	2,077
Credit loss provision to net charge-offs	126.3736%	2,016
Earnings coverage of net charge-offs (x)	27.2821%	1,671
Efficiency ratio	65.8019%	2,802
Assets per employee ($millions)	5.0059%	2,590
Cash dividends to net income (ytd only)*	40.8348%	2,559
Condition Ratios (%)
Loss allowance to loans	1.0581%	3,174
Loan loss allowance to noncurrent loans	600.1486%	840
Noncurrent assets plus other real estate owned to assets	0.1358%	3,957
Noncurrent loans to loans	0.1763%	3,830
Net loans and leases to total assets	76.2110%	1,372
Net loans and leases to deposits	89.6466%	1,637
Net loans and leases to core deposits	103.0515%	1,307
Total domestic deposits to total assets	85.0127%	2,487
Equity capital to assets	10.3780%	3,563
Core capital (leverage) ratio	10.0921%	3,418
Tier 1 risk-based capital ratio	12.2816%	4,197
Total risk-based capital ratio	13.2626%	4,229
Memoranda:
Average total assets	$496,810,600	1,433
Average earning assets	$463,791,800	1,426
Average equity	$48,846,800	1,637
Average total loans	$382,916,600	1,313
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1279%	1,222
Cost of funding earning assets	1.2682%	871
Net interest margin	3.8597%	2,405
Noninterest income to average assets	0.7411%	1,619
Noninterest expense to average assets	2.8886%	2,297
Loan and lease loss provision to assets	0.0523%	2,861
Net operating income to assets	1.0883%	2,618
Return on assets (ROA)	1.1013%	2,655
Pretax return on assets	1.4204%	2,228
Return on Equity (ROE)	11.3578%	1,865
Retained earnings to average equity (ytd only)	6.5170%	2,106
Net charge-offs to loans	0.0891%	1,577
Credit loss provision to net charge-offs	76.1719%	2,551
Earnings coverage of net charge-offs (x)	21.2112%	1,924
Efficiency ratio	66.4815%	2,668
Assets per employee ($millions)	5.3853%	2,138
Cash dividends to net income (ytd only)*	42.6206%	2,036
Condition Ratios (%)
Loss allowance to loans	1.0045%	3,543
Loan loss allowance to noncurrent loans	2,810.0719%	247
Noncurrent assets plus other real estate owned to assets	0.0275%	4,597
Noncurrent loans to loans	0.0357%	4,499
Net loans and leases to total assets	76.0412%	1,474
Net loans and leases to deposits	89.7353%	1,730
Net loans and leases to core deposits	105.1169%	1,249
Total domestic deposits to total assets	84.7394%	2,528
Equity capital to assets	9.9866%	4,032
Core capital (leverage) ratio	9.9499%	3,690
Tier 1 risk-based capital ratio	11.9864%	4,422
Total risk-based capital ratio	12.9292%	4,484
Memoranda:
Average total assets	$497,116,750	1,437
Average earning assets	$464,170,250	1,437
Average equity	$48,200,500	1,650
Average total loans	$383,213,250	1,319
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1041%	1,209
Cost of funding earning assets	1.2930%	755
Net interest margin	3.8111%	2,549
Noninterest income to average assets	0.6497%	1,920
Noninterest expense to average assets	2.8364%	2,460
Loan and lease loss provision to assets	0.0749%	2,314
Net operating income to assets	1.0072%	2,893
Return on assets (ROA)	1.0257%	2,905
Pretax return on assets	1.3233%	2,463
Return on Equity (ROE)	10.6884%	2,098
Retained earnings to average equity (ytd only)	3.3069%	3,574
Net charge-offs to loans	0.0084%	2,842
Credit loss provision to net charge-offs	1,156.2500%	302
Earnings coverage of net charge-offs (x)	212.2500%	377
Efficiency ratio	67.3556%	2,632
Assets per employee ($millions)	5.3023%	2,149
Cash dividends to net income (ytd only)*	69.0608%	1,133
Condition Ratios (%)
Loss allowance to loans	1.0799%	3,177
Loan loss allowance to noncurrent loans	178.8927%	2,326
Noncurrent assets plus other real estate owned to assets	0.4639%	2,674
Noncurrent loans to loans	0.6036%	2,455
Net loans and leases to total assets	76.0163%	1,546
Net loans and leases to deposits	88.0254%	2,008
Net loans and leases to core deposits	104.7081%	1,324
Total domestic deposits to total assets	86.3572%	1,868
Equity capital to assets	9.7376%	4,203
Core capital (leverage) ratio	9.7183%	3,915
Tier 1 risk-based capital ratio	11.7961%	4,524
Total risk-based capital ratio	12.8106%	4,547
Memoranda:
Average total assets	$494,082,670	1,448
Average earning assets	$461,706,330	1,446
Average equity	$47,416,000	1,668
Average total loans	$381,337,330	1,331
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1575%	988
Cost of funding earning assets	1.2989%	661
Net interest margin	3.8586%	2,319
Noninterest income to average assets	0.5562%	2,253
Noninterest expense to average assets	2.8525%	2,406
Loan and lease loss provision to assets	0.0691%	2,274
Net operating income to assets	0.9506%	3,046
Return on assets (ROA)	0.9506%	3,089
Pretax return on assets	1.2433%	2,653
Return on Equity (ROE)	9.9793%	2,380
Retained earnings to average equity (ytd only)	9.9793%	1,037
Net charge-offs to loans	0.0105%	2,311
Credit loss provision to net charge-offs	850.0000%	430
Earnings coverage of net charge-offs (x)	161.4000%	475
Efficiency ratio	68.4889%	2,567
Assets per employee ($millions)	5.4649%	2,018
Cash dividends to net income (ytd only)*	0.0000%	2,768
Condition Ratios (%)
Loss allowance to loans	1.0702%	3,294
Loan loss allowance to noncurrent loans	805.1793%	738
Noncurrent assets plus other real estate owned to assets	0.1529%	4,040
Noncurrent loans to loans	0.1329%	4,140
Net loans and leases to total assets	75.9660%	1,482
Net loans and leases to deposits	88.8065%	1,768
Net loans and leases to core deposits	106.3948%	1,148
Total domestic deposits to total assets	85.5411%	2,466
Equity capital to assets	9.7235%	4,067
Core capital (leverage) ratio	9.7301%	3,887
Tier 1 risk-based capital ratio	11.9973%	4,463
Total risk-based capital ratio	12.9977%	4,496
Memoranda:
Average total assets	$491,915,000	1,460
Average earning assets	$460,064,000	1,451
Average equity	$46,857,000	1,673
Average total loans	$380,498,500	1,341
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9151%	1,242
Cost of funding earning assets	0.9691%	846
Net interest margin	3.9460%	2,176
Noninterest income to average assets	0.7034%	1,841
Noninterest expense to average assets	2.9583%	2,171
Loan and lease loss provision to assets	0.1349%	1,605
Net operating income to assets	0.9902%	3,050
Return on assets (ROA)	0.9881%	3,063
Pretax return on assets	1.2700%	2,616
Return on Equity (ROE)	10.5395%	2,268
Retained earnings to average equity (ytd only)	6.6035%	1,862
Net charge-offs to loans	0.0299%	2,803
Credit loss provision to net charge-offs	598.1308%	594
Earnings coverage of net charge-offs (x)	62.3925%	1,001
Efficiency ratio	67.7581%	2,590
Assets per employee ($millions)	5.2339%	2,222
Cash dividends to net income (ytd only)*	37.3453%	2,673
Condition Ratios (%)
Loss allowance to loans	1.0349%	3,471
Loan loss allowance to noncurrent loans	703.3688%	812
Noncurrent assets plus other real estate owned to assets	0.1655%	4,000
Noncurrent loans to loans	0.1471%	4,084
Net loans and leases to total assets	77.1066%	1,425
Net loans and leases to deposits	92.7106%	1,435
Net loans and leases to core deposits	104.1717%	1,398
Total domestic deposits to total assets	83.1691%	3,272
Equity capital to assets	9.3274%	4,294
Core capital (leverage) ratio	9.6377%	3,958
Tier 1 risk-based capital ratio	11.4439%	4,743
Total risk-based capital ratio	12.4036%	4,800
Memoranda:
Average total assets	$474,263,400	1,471
Average earning assets	$440,194,600	1,477
Average equity	$44,461,200	1,676
Average total loans	$358,381,400	1,373
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8621%	1,267
Cost of funding earning assets	0.9007%	918
Net interest margin	3.9614%	2,086
Noninterest income to average assets	0.7194%	1,791
Noninterest expense to average assets	2.9806%	2,069
Loan and lease loss provision to assets	0.0681%	2,614
Net operating income to assets	1.0404%	2,921
Return on assets (ROA)	1.0375%	2,939
Pretax return on assets	1.3326%	2,491
Return on Equity (ROE)	11.0524%	2,156
Retained earnings to average equity (ytd only)	7.2735%	1,994
Net charge-offs to loans	0.0204%	2,724
Credit loss provision to net charge-offs	444.4444%	768
Earnings coverage of net charge-offs (x)	91.6458%	807
Efficiency ratio	67.9718%	2,546
Assets per employee ($millions)	5.0207%	2,444
Cash dividends to net income (ytd only)*	34.1905%	2,354
Condition Ratios (%)
Loss allowance to loans	0.9953%	3,797
Loan loss allowance to noncurrent loans	546.0030%	1,007
Noncurrent assets plus other real estate owned to assets	0.2517%	3,702
Noncurrent loans to loans	0.1823%	4,074
Net loans and leases to total assets	74.7054%	1,874
Net loans and leases to deposits	84.8014%	2,502
Net loans and leases to core deposits	94.8074%	2,225
Total domestic deposits to total assets	88.0945%	1,204
Equity capital to assets	9.2243%	4,351
Core capital (leverage) ratio	9.7536%	3,896
Tier 1 risk-based capital ratio	11.6979%	4,673
Total risk-based capital ratio	12.6032%	4,758
Memoranda:
Average total assets	$469,832,000	1,500
Average earning assets	$434,756,500	1,500
Average equity	$44,104,000	1,695
Average total loans	$352,146,000	1,392
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7896%	1,276
Cost of funding earning assets	0.8231%	1,031
Net interest margin	3.9665%	1,976
Noninterest income to average assets	0.7261%	1,759
Noninterest expense to average assets	2.9611%	2,164
Loan and lease loss provision to assets	0.0644%	2,615
Net operating income to assets	1.0566%	2,774
Return on assets (ROA)	1.0576%	2,765
Pretax return on assets	1.3646%	2,279
Return on Equity (ROE)	11.1992%	2,036
Retained earnings to average equity (ytd only)	5.5155%	2,814
Net charge-offs to loans	0.0310%	2,236
Credit loss provision to net charge-offs	277.7778%	1,070
Earnings coverage of net charge-offs (x)	61.5741%	979
Efficiency ratio	67.4689%	2,734
Assets per employee ($millions)	4.9768%	2,451
Cash dividends to net income (ytd only)*	50.7511%	1,637
Condition Ratios (%)
Loss allowance to loans	0.9825%	3,944
Loan loss allowance to noncurrent loans	762.4190%	768
Noncurrent assets plus other real estate owned to assets	0.2143%	3,925
Noncurrent loans to loans	0.1289%	4,328
Net loans and leases to total assets	75.2414%	1,755
Net loans and leases to deposits	87.5812%	2,159
Net loans and leases to core deposits	97.2034%	1,945
Total domestic deposits to total assets	85.9105%	2,327
Equity capital to assets	9.2917%	4,287
Core capital (leverage) ratio	9.6277%	3,967
Tier 1 risk-based capital ratio	11.3950%	4,839
Total risk-based capital ratio	12.2774%	4,939
Memoranda:
Average total assets	$465,779,670	1,516
Average earning assets	$430,103,000	1,515
Average equity	$43,985,330	1,705
Average total loans	$348,297,330	1,414
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7154%	1,273
Cost of funding earning assets	0.7748%	1,077
Net interest margin	3.9406%	1,898
Noninterest income to average assets	0.6914%	1,872
Noninterest expense to average assets	2.9507%	2,200
Loan and lease loss provision to assets	0.0649%	2,475
Net operating income to assets	1.0048%	2,836
Return on assets (ROA)	1.0089%	2,843
Pretax return on assets	1.3031%	2,355
Return on Equity (ROE)	10.5970%	2,131
Retained earnings to average equity (ytd only)	10.5970%	993
Net charge-offs to loans	0.0630%	1,477
Credit loss provision to net charge-offs	138.8889%	1,279
Earnings coverage of net charge-offs (x)	29.1667%	1,253
Efficiency ratio	68.4052%	2,766
Assets per employee ($millions)	4.8886%	2,625
Cash dividends to net income (ytd only)*	0.0000%	2,749
Condition Ratios (%)
Loss allowance to loans	1.0053%	3,920
Loan loss allowance to noncurrent loans	739.8287%	780
Noncurrent assets plus other real estate owned to assets	0.3159%	3,565
Noncurrent loans to loans	0.1359%	4,358
Net loans and leases to total assets	73.2544%	1,988
Net loans and leases to deposits	82.7642%	2,522
Net loans and leases to core deposits	102.4013%	1,491
Total domestic deposits to total assets	88.5098%	1,349
Equity capital to assets	9.4755%	4,111
Core capital (leverage) ratio	9.8739%	3,685
Tier 1 risk-based capital ratio	11.6502%	4,771
Total risk-based capital ratio	12.5341%	4,875
Memoranda:
Average total assets	$462,270,500	1,535
Average earning assets	$424,905,500	1,538
Average equity	$44,012,500	1,710
Average total loans	$342,811,000	1,435
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6314%	1,352
Cost of funding earning assets	0.6703%	1,181
Net interest margin	3.9611%	1,879
Noninterest income to average assets	0.6359%	2,269
Noninterest expense to average assets	2.8832%	2,510
Loan and lease loss provision to assets	0.0575%	3,079
Net operating income to assets	0.8263%	3,052
Return on assets (ROA)	0.6847%	3,713
Pretax return on assets	1.1025%	3,175
Return on Equity (ROE)	7.0561%	3,245
Retained earnings to average equity (ytd only)	3.5688%	3,138
Net charge-offs to loans	-0.0053%	4,653
Credit loss provision to net charge-offs	-1,500.0000%	5,123
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.6100%	2,978
Assets per employee ($millions)	4.9475%	2,541
Cash dividends to net income (ytd only)*	49.4234%	2,319
Condition Ratios (%)
Loss allowance to loans	1.0042%	3,912
Loan loss allowance to noncurrent loans	494.8127%	1,136
Noncurrent assets plus other real estate owned to assets	0.3138%	3,626
Noncurrent loans to loans	0.2029%	4,100
Net loans and leases to total assets	73.5730%	1,991
Net loans and leases to deposits	85.9550%	2,268
Net loans and leases to core deposits	106.4996%	1,235
Total domestic deposits to total assets	85.5949%	2,616
Equity capital to assets	9.5668%	4,174
Core capital (leverage) ratio	9.6992%	3,817
Tier 1 risk-based capital ratio	11.4788%	4,861
Total risk-based capital ratio	12.3672%	4,963
Memoranda:
Average total assets	$443,285,400	1,566
Average earning assets	$406,076,400	1,578
Average equity	$43,012,200	1,728
Average total loans	$322,137,400	1,475
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6248%	1,309
Cost of funding earning assets	0.6532%	1,213
Net interest margin	3.9716%	1,800
Noninterest income to average assets	0.6623%	2,155
Noninterest expense to average assets	2.8963%	2,422
Loan and lease loss provision to assets	0.0683%	2,707
Net operating income to assets	0.9175%	2,933
Return on assets (ROA)	0.8812%	3,168
Pretax return on assets	1.2821%	2,577
Return on Equity (ROE)	9.0486%	2,573
Retained earnings to average equity (ytd only)	4.3715%	3,299
Net charge-offs to loans	-0.0034%	4,390
Credit loss provision to net charge-offs	-2,812.5000%	5,124
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.3683%	2,986
Assets per employee ($millions)	4.6292%	2,934
Cash dividends to net income (ytd only)*	51.6884%	1,680
Condition Ratios (%)
Loss allowance to loans	1.0290%	3,906
Loan loss allowance to noncurrent loans	684.4758%	810
Noncurrent assets plus other real estate owned to assets	0.3799%	3,508
Noncurrent loans to loans	0.1503%	4,455
Net loans and leases to total assets	72.7165%	2,143
Net loans and leases to deposits	83.7871%	2,580
Net loans and leases to core deposits	103.8943%	1,396
Total domestic deposits to total assets	86.7872%	1,962
Equity capital to assets	9.7434%	4,202
Core capital (leverage) ratio	9.7878%	3,835
Tier 1 risk-based capital ratio	11.7241%	4,818
Total risk-based capital ratio	12.6239%	4,924
Memoranda:
Average total assets	$439,076,500	1,592
Average earning assets	$402,082,000	1,604
Average equity	$42,760,500	1,757
Average total loans	$317,182,000	1,502
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5509%	1,390
Cost of funding earning assets	0.6271%	1,291
Net interest margin	3.9238%	1,854
Noninterest income to average assets	0.5003%	3,024
Noninterest expense to average assets	2.8626%	2,531
Loan and lease loss provision to assets	0.0551%	2,872
Net operating income to assets	0.8046%	3,377
Return on assets (ROA)	0.7894%	3,502
Pretax return on assets	1.1360%	3,025
Return on Equity (ROE)	8.1074%	2,964
Retained earnings to average equity (ytd only)	1.0370%	4,827
Net charge-offs to loans	-0.0077%	4,451
Credit loss provision to net charge-offs	-1,000.0000%	4,811
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.2365%	2,636
Assets per employee ($millions)	5.1847%	2,170
Cash dividends to net income (ytd only)*	87.2093%	684
Condition Ratios (%)
Loss allowance to loans	1.0109%	4,077
Loan loss allowance to noncurrent loans	281.0580%	1,664
Noncurrent assets plus other real estate owned to assets	0.5369%	2,979
Noncurrent loans to loans	0.3597%	3,740
Net loans and leases to total assets	71.5080%	2,279
Net loans and leases to deposits	81.1457%	2,789
Net loans and leases to core deposits	100.3950%	1,625
Total domestic deposits to total assets	88.1229%	1,397
Equity capital to assets	9.4542%	4,449
Core capital (leverage) ratio	9.7258%	3,866
Tier 1 risk-based capital ratio	11.4563%	4,984
Total risk-based capital ratio	12.3328%	5,104
Memoranda:
Average total assets	$435,757,670	1,605
Average earning assets	$397,067,000	1,623
Average equity	$42,430,330	1,761
Average total loans	$312,937,330	1,520
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5250%	1,315
Cost of funding earning assets	0.6186%	1,246
Net interest margin	3.9064%	1,753
Noninterest income to average assets	0.5232%	2,814
Noninterest expense to average assets	2.8638%	2,565
Loan and lease loss provision to assets	0.0607%	2,585
Net operating income to assets	0.7974%	3,231
Return on assets (ROA)	0.7774%	3,386
Pretax return on assets	1.1278%	2,873
Return on Equity (ROE)	7.8633%	2,987
Retained earnings to average equity (ytd only)	7.8633%	1,516
Net charge-offs to loans	0.0013%	2,918
Credit loss provision to net charge-offs	6,500.0000%	41
Earnings coverage of net charge-offs (x)	1,303.0000%	29
Efficiency ratio	70.1694%	2,857
Assets per employee ($millions)	4.8944%	2,583
Cash dividends to net income (ytd only)*	0.0000%	2,824
Condition Ratios (%)
Loss allowance to loans	1.0409%	4,030
Loan loss allowance to noncurrent loans	346.1373%	1,435
Noncurrent assets plus other real estate owned to assets	0.6963%	2,549
Noncurrent loans to loans	0.3007%	4,037
Net loans and leases to total assets	69.6254%	2,450
Net loans and leases to deposits	79.3002%	2,833
Net loans and leases to core deposits	96.3820%	1,792
Total domestic deposits to total assets	87.7998%	1,825
Equity capital to assets	9.7269%	4,039
Core capital (leverage) ratio	10.2397%	3,205
Tier 1 risk-based capital ratio	12.0164%	4,707
Total risk-based capital ratio	12.9042%	4,838
Memoranda:
Average total assets	$428,101,500	1,642
Average earning assets	$389,923,500	1,657
Average equity	$42,323,000	1,766
Average total loans	$306,483,500	1,552
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6258%	1,219
Cost of funding earning assets	0.6287%	1,161
Net interest margin	3.9971%	1,638
Noninterest income to average assets	0.4908%	3,296
Noninterest expense to average assets	2.8846%	2,724
Loan and lease loss provision to assets	-0.0466%	5,581
Net operating income to assets	0.8959%	2,849
Return on assets (ROA)	0.8173%	3,331
Pretax return on assets	1.1665%	2,823
Return on Equity (ROE)	8.1150%	2,879
Retained earnings to average equity (ytd only)	5.6773%	1,898
Net charge-offs to loans	0.0222%	3,598
Credit loss provision to net charge-offs	-292.3077%	5,067
Earnings coverage of net charge-offs (x)	77.2000%	731
Efficiency ratio	69.9588%	2,906
Assets per employee ($millions)	4.7239%	2,752
Cash dividends to net income (ytd only)*	30.0391%	3,319
Condition Ratios (%)
Loss allowance to loans	1.0434%	4,051
Loan loss allowance to noncurrent loans	2,529.6000%	283
Noncurrent assets plus other real estate owned to assets	0.5352%	3,137
Noncurrent loans to loans	0.0412%	5,087
Net loans and leases to total assets	72.1378%	2,150
Net loans and leases to deposits	85.1479%	2,288
Net loans and leases to core deposits	100.1339%	1,611
Total domestic deposits to total assets	84.7206%	3,165
Equity capital to assets	10.0550%	3,667
Core capital (leverage) ratio	10.4660%	2,915
Tier 1 risk-based capital ratio	12.0721%	4,679
Total risk-based capital ratio	12.9632%	4,820
Memoranda:
Average total assets	$407,296,200	1,656
Average earning assets	$369,470,200	1,687
Average equity	$41,022,800	1,807
Average total loans	$293,234,800	1,551
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6401%	1,210
Cost of funding earning assets	0.6371%	1,104
Net interest margin	4.0031%	1,640
Noninterest income to average assets	0.4959%	3,278
Noninterest expense to average assets	2.9437%	2,485
Loan and lease loss provision to assets	0.0197%	3,847
Net operating income to assets	0.8543%	3,131
Return on assets (ROA)	0.8236%	3,396
Pretax return on assets	1.1198%	3,150
Return on Equity (ROE)	8.1738%	2,921
Retained earnings to average equity (ytd only)	4.9082%	2,892
Net charge-offs to loans	0.0293%	3,073
Credit loss provision to net charge-offs	93.7500%	2,474
Earnings coverage of net charge-offs (x)	56.0789%	1,003
Efficiency ratio	71.2166%	2,697
Assets per employee ($millions)	4.9215%	2,462
Cash dividends to net income (ytd only)*	39.9521%	2,359
Condition Ratios (%)
Loss allowance to loans	1.1539%	3,523
Loan loss allowance to noncurrent loans	2,708.7302%	259
Noncurrent assets plus other real estate owned to assets	0.5753%	3,179
Noncurrent loans to loans	0.0426%	5,191
Net loans and leases to total assets	71.5737%	2,249
Net loans and leases to deposits	82.3717%	2,684
Net loans and leases to core deposits	99.4253%	1,690
Total domestic deposits to total assets	86.8912%	1,937
Equity capital to assets	10.2791%	3,828
Core capital (leverage) ratio	10.2687%	3,259
Tier 1 risk-based capital ratio	12.5409%	4,447
Total risk-based capital ratio	13.5598%	4,496
Memoranda:
Average total assets	$405,194,500	1,666
Average earning assets	$367,307,750	1,697
Average equity	$40,828,750	1,830
Average total loans	$290,783,250	1,564
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6331%	1,195
Cost of funding earning assets	0.6397%	1,092
Net interest margin	3.9935%	1,662
Noninterest income to average assets	0.4880%	3,276
Noninterest expense to average assets	2.9691%	2,450
Loan and lease loss provision to assets	0.0297%	3,537
Net operating income to assets	0.8273%	3,182
Return on assets (ROA)	0.8166%	3,370
Pretax return on assets	1.0963%	3,211
Return on Equity (ROE)	8.1598%	2,906
Retained earnings to average equity (ytd only)	3.2145%	3,850
Net charge-offs to loans	-0.0042%	4,484
Credit loss provision to net charge-offs	-1,000.0000%	5,082
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.0222%	2,653
Assets per employee ($millions)	4.7098%	2,697
Cash dividends to net income (ytd only)*	60.6061%	1,501
Condition Ratios (%)
Loss allowance to loans	1.1901%	3,420
Loan loss allowance to noncurrent loans	359.0722%	1,403
Noncurrent assets plus other real estate owned to assets	0.3135%	4,246
Noncurrent loans to loans	0.3314%	4,178
Net loans and leases to total assets	71.3948%	2,266
Net loans and leases to deposits	81.7978%	2,733
Net loans and leases to core deposits	99.0325%	1,720
Total domestic deposits to total assets	87.2821%	1,766
Equity capital to assets	10.1557%	4,018
Core capital (leverage) ratio	10.1366%	3,402
Tier 1 risk-based capital ratio	12.4335%	4,570
Total risk-based capital ratio	13.4858%	4,603
Memoranda:
Average total assets	$404,096,670	1,672
Average earning assets	$366,449,670	1,701
Average equity	$40,442,000	1,837
Average total loans	$289,116,670	1,574
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6347%	1,177
Cost of funding earning assets	0.6492%	1,058
Net interest margin	3.9855%	1,657
Noninterest income to average assets	0.4935%	3,168
Noninterest expense to average assets	2.9790%	2,460
Loan and lease loss provision to assets	0.0595%	2,767
Net operating income to assets	0.8216%	3,146
Return on assets (ROA)	0.8186%	3,282
Pretax return on assets	1.0713%	3,201
Return on Equity (ROE)	8.2403%	2,787
Retained earnings to average equity (ytd only)	8.2403%	1,358
Net charge-offs to loans	-0.0070%	4,393
Credit loss provision to net charge-offs	-1,200.0000%	4,784
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	71.9586%	2,806
Assets per employee ($millions)	4.7683%	2,645
Cash dividends to net income (ytd only)*	0.0000%	2,863
Condition Ratios (%)
Loss allowance to loans	1.2009%	3,474
Loan loss allowance to noncurrent loans	538.1762%	958
Noncurrent assets plus other real estate owned to assets	0.2364%	4,610
Noncurrent loans to loans	0.2231%	4,626
Net loans and leases to total assets	71.5226%	2,110
Net loans and leases to deposits	81.8908%	2,556
Net loans and leases to core deposits	99.5317%	1,520
Total domestic deposits to total assets	87.3389%	2,035
Equity capital to assets	10.1464%	3,901
Core capital (leverage) ratio	10.1267%	3,395
Tier 1 risk-based capital ratio	12.7228%	4,447
Total risk-based capital ratio	13.7946%	4,460
Memoranda:
Average total assets	$403,624,000	1,670
Average earning assets	$366,627,500	1,695
Average equity	$40,095,500	1,845
Average total loans	$287,344,000	1,579
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5639%	1,426
Cost of funding earning assets	0.6539%	1,053
Net interest margin	3.9100%	1,990
Noninterest income to average assets	0.5460%	3,033
Noninterest expense to average assets	2.9881%	2,591
Loan and lease loss provision to assets	-0.0200%	5,665
Net operating income to assets	0.8089%	3,306
Return on assets (ROA)	0.8298%	3,270
Pretax return on assets	1.1198%	2,958
Return on Equity (ROE)	8.6726%	2,638
Retained earnings to average equity (ytd only)	6.0572%	1,763
Net charge-offs to loans	-0.1732%	5,932
Credit loss provision to net charge-offs	17.4292%	3,767
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.1938%	2,876
Assets per employee ($millions)	4.9599%	2,412
Cash dividends to net income (ytd only)*	30.1568%	3,339
Condition Ratios (%)
Loss allowance to loans	1.2001%	3,483
Loan loss allowance to noncurrent loans	512.2939%	1,028
Noncurrent assets plus other real estate owned to assets	0.2378%	4,640
Noncurrent loans to loans	0.2343%	4,587
Net loans and leases to total assets	69.1682%	2,506
Net loans and leases to deposits	85.3987%	2,198
Net loans and leases to core deposits	104.7322%	1,184
Total domestic deposits to total assets	80.9945%	4,484
Equity capital to assets	9.7245%	4,267
Core capital (leverage) ratio	10.1356%	3,339
Tier 1 risk-based capital ratio	11.8116%	5,064
Total risk-based capital ratio	12.8082%	5,123
Memoranda:
Average total assets	$399,617,600	1,650
Average earning assets	$359,100,600	1,680
Average equity	$38,235,400	1,874
Average total loans	$265,000,200	1,645
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5258%	1,523
Cost of funding earning assets	0.6615%	1,025
Net interest margin	3.8643%	2,145
Noninterest income to average assets	0.4967%	3,391
Noninterest expense to average assets	3.0480%	2,371
Loan and lease loss provision to assets	0.0067%	4,123
Net operating income to assets	0.7379%	3,734
Return on assets (ROA)	0.7675%	3,691
Pretax return on assets	0.9417%	3,845
Return on Equity (ROE)	8.0547%	3,047
Retained earnings to average equity (ytd only)	4.5374%	3,241
Net charge-offs to loans	-0.0010%	4,664
Credit loss provision to net charge-offs	-1,000.0000%	5,491
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	75.5247%	2,314
Assets per employee ($millions)	4.8511%	2,486
Cash dividends to net income (ytd only)*	43.6681%	2,148
Condition Ratios (%)
Loss allowance to loans	1.1224%	4,099
Loan loss allowance to noncurrent loans	255.4257%	1,831
Noncurrent assets plus other real estate owned to assets	0.3720%	4,281
Noncurrent loans to loans	0.4394%	4,032
Net loans and leases to total assets	66.9519%	2,857
Net loans and leases to deposits	80.4274%	2,830
Net loans and leases to core deposits	95.9714%	1,885
Total domestic deposits to total assets	83.2451%	3,717
Equity capital to assets	9.4449%	4,819
Core capital (leverage) ratio	10.0858%	3,522
Tier 1 risk-based capital ratio	12.0940%	5,027
Total risk-based capital ratio	13.0321%	5,131
Memoranda:
Average total assets	$397,843,750	1,671
Average earning assets	$356,558,000	1,705
Average equity	$37,906,500	1,902
Average total loans	$260,067,000	1,682
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5214%	1,472
Cost of funding earning assets	0.6671%	1,011
Net interest margin	3.8543%	2,124
Noninterest income to average assets	0.4830%	3,480
Noninterest expense to average assets	3.0572%	2,375
Loan and lease loss provision to assets	0.0101%	3,903
Net operating income to assets	0.7215%	3,783
Return on assets (ROA)	0.7571%	3,709
Pretax return on assets	0.9237%	3,870
Return on Equity (ROE)	7.9227%	3,100
Retained earnings to average equity (ytd only)	2.6409%	4,375
Net charge-offs to loans	-0.0023%	4,604
Credit loss provision to net charge-offs	-666.6667%	5,278
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	75.9877%	2,360
Assets per employee ($millions)	4.7773%	2,577
Cash dividends to net income (ytd only)*	66.6667%	1,310
Condition Ratios (%)
Loss allowance to loans	1.1568%	4,045
Loan loss allowance to noncurrent loans	257.6599%	1,827
Noncurrent assets plus other real estate owned to assets	0.3803%	4,372
Noncurrent loans to loans	0.4490%	4,125
Net loans and leases to total assets	65.9629%	2,956
Net loans and leases to deposits	77.7959%	3,057
Net loans and leases to core deposits	94.6021%	1,900
Total domestic deposits to total assets	84.7897%	3,216
Equity capital to assets	9.3579%	4,832
Core capital (leverage) ratio	9.5068%	4,273
Tier 1 risk-based capital ratio	12.3691%	4,897
Total risk-based capital ratio	13.3491%	4,975
Memoranda:
Average total assets	$396,245,000	1,691
Average earning assets	$356,169,670	1,717
Average equity	$37,865,670	1,915
Average total loans	$255,877,670	1,706
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4597%	1,583
Cost of funding earning assets	0.6605%	1,043
Net interest margin	3.7992%	2,238
Noninterest income to average assets	0.4847%	3,391
Noninterest expense to average assets	3.0729%	2,353
Loan and lease loss provision to assets	0.0202%	3,452
Net operating income to assets	0.6724%	3,937
Return on assets (ROA)	0.7311%	3,774
Pretax return on assets	0.8775%	3,975
Return on Equity (ROE)	7.5721%	3,182
Retained earnings to average equity (ytd only)	7.5721%	1,732
Net charge-offs to loans	-0.0016%	4,343
Credit loss provision to net charge-offs	-2,000.0000%	5,129
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.3175%	2,296
Assets per employee ($millions)	4.7434%	2,696
Cash dividends to net income (ytd only)*	0.0000%	2,870
Condition Ratios (%)
Loss allowance to loans	1.1892%	4,041
Loan loss allowance to noncurrent loans	206.2711%	2,168
Noncurrent assets plus other real estate owned to assets	0.4472%	4,246
Noncurrent loans to loans	0.5765%	3,855
Net loans and leases to total assets	63.0407%	3,228
Net loans and leases to deposits	74.3318%	3,262
Net loans and leases to core deposits	93.0389%	1,848
Total domestic deposits to total assets	84.8099%	3,502
Equity capital to assets	9.5876%	4,650
Core capital (leverage) ratio	9.9376%	3,682
Tier 1 risk-based capital ratio	12.7050%	4,783
Total risk-based capital ratio	13.7057%	4,855
Memoranda:
Average total assets	$396,107,500	1,692
Average earning assets	$356,074,500	1,723
Average equity	$38,245,500	1,914
Average total loans	$251,508,000	1,730
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8173%	1,084
Cost of funding earning assets	0.7738%	747
Net interest margin	4.0435%	1,762
Noninterest income to average assets	0.4532%	3,811
Noninterest expense to average assets	3.0107%	2,812
Loan and lease loss provision to assets	0.0354%	3,884
Net operating income to assets	0.8256%	3,252
Return on assets (ROA)	0.8702%	3,109
Pretax return on assets	1.1250%	2,985
Return on Equity (ROE)	9.2734%	2,457
Retained earnings to average equity (ytd only)	6.4802%	1,656
Net charge-offs to loans	0.2401%	1,764
Credit loss provision to net charge-offs	22.3140%	3,947
Earnings coverage of net charge-offs (x)	6.9521%	3,113
Efficiency ratio	71.7372%	3,249
Assets per employee ($millions)	4.6313%	2,831
Cash dividends to net income (ytd only)*	30.1205%	3,380
Condition Ratios (%)
Loss allowance to loans	1.2360%	3,786
Loan loss allowance to noncurrent loans	213.1930%	2,130
Noncurrent assets plus other real estate owned to assets	0.5203%	4,061
Noncurrent loans to loans	0.5798%	3,931
Net loans and leases to total assets	62.3984%	3,452
Net loans and leases to deposits	75.9312%	3,206
Net loans and leases to core deposits	94.5103%	1,864
Total domestic deposits to total assets	82.1775%	4,358
Equity capital to assets	9.7256%	4,433
Core capital (leverage) ratio	9.8466%	3,774
Tier 1 risk-based capital ratio	13.0169%	4,723
Total risk-based capital ratio	14.0592%	4,765
Memoranda:
Average total assets	$381,512,200	1,721
Average earning assets	$345,319,600	1,735
Average equity	$35,801,400	1,958
Average total loans	$251,996,600	1,676
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8485%	1,023
Cost of funding earning assets	0.7864%	741
Net interest margin	4.0621%	1,688
Noninterest income to average assets	0.4355%	3,985
Noninterest expense to average assets	3.0225%	2,726
Loan and lease loss provision to assets	0.0439%	3,520
Net operating income to assets	0.8441%	3,210
Return on assets (ROA)	0.8647%	3,193
Pretax return on assets	1.0905%	3,227
Return on Equity (ROE)	9.3009%	2,542
Retained earnings to average equity (ytd only)	5.5231%	2,729
Net charge-offs to loans	0.3097%	1,283
Credit loss provision to net charge-offs	21.2224%	3,570
Earnings coverage of net charge-offs (x)	5.3583%	3,282
Efficiency ratio	71.7140%	3,231
Assets per employee ($millions)	4.5293%	2,917
Cash dividends to net income (ytd only)*	40.6174%	2,321
Condition Ratios (%)
Loss allowance to loans	1.2539%	3,918
Loan loss allowance to noncurrent loans	180.5457%	2,342
Noncurrent assets plus other real estate owned to assets	0.5883%	4,077
Noncurrent loans to loans	0.6945%	3,874
Net loans and leases to total assets	62.2641%	3,446
Net loans and leases to deposits	75.2207%	3,280
Net loans and leases to core deposits	93.2561%	1,934
Total domestic deposits to total assets	82.7752%	4,216
Equity capital to assets	9.5330%	4,751
Core capital (leverage) ratio	9.6275%	4,193
Tier 1 risk-based capital ratio	12.9609%	4,890
Total risk-based capital ratio	14.0265%	4,900
Memoranda:
Average total assets	$379,633,750	1,740
Average earning assets	$345,363,000	1,743
Average equity	$35,293,000	1,990
Average total loans	$253,549,750	1,676
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9220%	874
Cost of funding earning assets	0.8055%	680
Net interest margin	4.1165%	1,456
Noninterest income to average assets	0.4563%	3,821
Noninterest expense to average assets	2.9679%	2,944
Loan and lease loss provision to assets	0.0662%	2,945
Net operating income to assets	0.9110%	2,748
Return on assets (ROA)	0.9263%	2,780
Pretax return on assets	1.1857%	2,733
Return on Equity (ROE)	10.0506%	2,131
Retained earnings to average equity (ytd only)	10.0506%	705
Net charge-offs to loans	0.3640%	1,124
Credit loss provision to net charge-offs	26.7094%	3,099
Earnings coverage of net charge-offs (x)	4.9744%	3,009
Efficiency ratio	69.2250%	3,795
Assets per employee ($millions)	4.3121%	3,251
Cash dividends to net income (ytd only)*	0.0000%	3,638
Condition Ratios (%)
Loss allowance to loans	1.2299%	4,274
Loan loss allowance to noncurrent loans	190.0901%	2,236
Noncurrent assets plus other real estate owned to assets	0.5885%	4,221
Noncurrent loans to loans	0.6470%	4,091
Net loans and leases to total assets	66.9829%	2,583
Net loans and leases to deposits	79.1472%	2,638
Net loans and leases to core deposits	97.2204%	1,501
Total domestic deposits to total assets	84.6308%	3,671
Equity capital to assets	9.6762%	4,522
Core capital (leverage) ratio	9.7231%	4,006
Tier 1 risk-based capital ratio	12.5784%	5,175
Total risk-based capital ratio	13.6469%	5,226
Memoranda:
Average total assets	$377,848,000	1,739
Average earning assets	$343,643,670	1,744
Average equity	$34,823,670	2,004
Average total loans	$257,148,000	1,648
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9255%	828
Cost of funding earning assets	0.8104%	713
Net interest margin	4.1151%	1,419
Noninterest income to average assets	0.4647%	3,672
Noninterest expense to average assets	2.9758%	2,962
Loan and lease loss provision to assets	0.0637%	2,850
Net operating income to assets	0.9122%	2,592
Return on assets (ROA)	0.9230%	2,610
Pretax return on assets	1.1829%	2,558
Return on Equity (ROE)	10.2726%	1,943
Retained earnings to average equity (ytd only)	10.2726%	905
Net charge-offs to loans	0.7718%	447
Credit loss provision to net charge-offs	12.0968%	2,589
Earnings coverage of net charge-offs (x)	2.3427%	2,899
Efficiency ratio	69.2715%	3,951
Assets per employee ($millions)	4.3930%	3,161
Cash dividends to net income (ytd only)*	0.0000%	2,852
Condition Ratios (%)
Loss allowance to loans	1.2098%	4,589
Loan loss allowance to noncurrent loans	188.4663%	2,188
Noncurrent assets plus other real estate owned to assets	0.5994%	4,353
Noncurrent loans to loans	0.6419%	4,257
Net loans and leases to total assets	65.6372%	2,621
Net loans and leases to deposits	78.6017%	2,472
Net loans and leases to core deposits	96.8474%	1,318
Total domestic deposits to total assets	83.5061%	4,450
Equity capital to assets	9.1389%	4,957
Core capital (leverage) ratio	9.6922%	4,006
Tier 1 risk-based capital ratio	12.2887%	5,450
Total risk-based capital ratio	13.3282%	5,524
Memoranda:
Average total assets	$377,038,500	1,747
Average earning assets	$343,032,500	1,756
Average equity	$33,876,500	2,039
Average total loans	$257,050,500	1,653
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1557%	697
Cost of funding earning assets	0.8598%	910
Net interest margin	4.2959%	1,116
Noninterest income to average assets	0.5775%	3,229
Noninterest expense to average assets	3.0598%	2,867
Loan and lease loss provision to assets	0.2374%	1,525
Net operating income to assets	0.8793%	2,884
Return on assets (ROA)	0.9280%	2,730
Pretax return on assets	1.2920%	2,191
Return on Equity (ROE)	10.1890%	2,031
Retained earnings to average equity (ytd only)	7.6574%	1,169
Net charge-offs to loans	0.1145%	3,671
Credit loss provision to net charge-offs	296.6102%	768
Earnings coverage of net charge-offs (x)	18.2678%	1,660
Efficiency ratio	66.2967%	4,510
Assets per employee ($millions)	4.0423%	3,775
Cash dividends to net income (ytd only)*	24.8465%	3,517
Condition Ratios (%)
Loss allowance to loans	1.3483%	3,898
Loan loss allowance to noncurrent loans	104.2187%	3,522
Noncurrent assets plus other real estate owned to assets	0.9239%	3,591
Noncurrent loans to loans	1.2938%	2,970
Net loans and leases to total assets	69.0161%	2,169
Net loans and leases to deposits	83.5943%	1,982
Net loans and leases to core deposits	105.3642%	829
Total domestic deposits to total assets	82.5608%	4,695
Equity capital to assets	8.8266%	5,227
Core capital (leverage) ratio	9.2437%	4,649
Tier 1 risk-based capital ratio	12.0110%	5,607
Total risk-based capital ratio	13.2016%	5,584
Memoranda:
Average total assets	$368,653,600	1,768
Average earning assets	$338,458,800	1,755
Average equity	$33,575,400	2,055
Average total loans	$257,569,800	1,615
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1296%	735
Cost of funding earning assets	0.8599%	990
Net interest margin	4.2697%	1,164
Noninterest income to average assets	0.6252%	3,011
Noninterest expense to average assets	3.1157%	2,603
Loan and lease loss provision to assets	0.1867%	1,955
Net operating income to assets	0.9236%	2,721
Return on assets (ROA)	0.9844%	2,547
Pretax return on assets	1.3201%	2,263
Return on Equity (ROE)	10.7255%	1,917
Retained earnings to average equity (ytd only)	7.3688%	1,699
Net charge-offs to loans	0.1557%	2,991
Credit loss provision to net charge-offs	171.6667%	1,388
Earnings coverage of net charge-offs (x)	13.1100%	2,066
Efficiency ratio	67.2440%	4,248
Assets per employee ($millions)	4.1440%	3,547
Cash dividends to net income (ytd only)*	31.2962%	2,638
Condition Ratios (%)
Loss allowance to loans	1.2072%	4,830
Loan loss allowance to noncurrent loans	181.5713%	2,181
Noncurrent assets plus other real estate owned to assets	0.6098%	4,608
Noncurrent loans to loans	0.6648%	4,538
Net loans and leases to total assets	67.4675%	2,377
Net loans and leases to deposits	82.9881%	2,000
Net loans and leases to core deposits	104.4086%	854
Total domestic deposits to total assets	81.2978%	5,139
Equity capital to assets	8.5385%	5,689
Core capital (leverage) ratio	9.2485%	4,761
Tier 1 risk-based capital ratio	11.6205%	6,000
Total risk-based capital ratio	12.6753%	6,054
Memoranda:
Average total assets	$367,845,250	1,784
Average earning assets	$337,379,750	1,774
Average equity	$33,763,000	2,055
Average total loans	$256,919,750	1,613
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1423%	705
Cost of funding earning assets	0.8731%	1,018
Net interest margin	4.2692%	1,093
Noninterest income to average assets	0.6330%	3,006
Noninterest expense to average assets	3.1031%	2,650
Loan and lease loss provision to assets	0.2284%	1,643
Net operating income to assets	0.9075%	2,749
Return on assets (ROA)	0.9951%	2,491
Pretax return on assets	1.3562%	2,098
Return on Equity (ROE)	10.5835%	1,975
Retained earnings to average equity (ytd only)	10.5835%	728
Net charge-offs to loans	0.2103%	2,499
Credit loss provision to net charge-offs	154.2751%	1,500
Earnings coverage of net charge-offs (x)	9.8922%	2,220
Efficiency ratio	66.5622%	4,440
Assets per employee ($millions)	3.9692%	3,874
Cash dividends to net income (ytd only)*	0.0000%	3,522
Condition Ratios (%)
Loss allowance to loans	1.1881%	5,051
Loan loss allowance to noncurrent loans	148.6460%	2,532
Noncurrent assets plus other real estate owned to assets	0.7317%	4,384
Noncurrent loans to loans	0.7993%	4,313
Net loans and leases to total assets	70.0119%	1,883
Net loans and leases to deposits	83.4937%	1,868
Net loans and leases to core deposits	105.6258%	756
Total domestic deposits to total assets	83.8529%	4,381
Equity capital to assets	9.1761%	5,023
Core capital (leverage) ratio	9.3107%	4,522
Tier 1 risk-based capital ratio	11.8124%	5,908
Total risk-based capital ratio	12.8645%	6,000
Memoranda:
Average total assets	$363,377,000	1,806
Average earning assets	$334,907,330	1,792
Average equity	$34,166,330	2,036
Average total loans	$255,772,000	1,625
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9752%	941
Cost of funding earning assets	0.8801%	1,080
Net interest margin	4.0951%	1,476
Noninterest income to average assets	0.6135%	3,062
Noninterest expense to average assets	3.0986%	2,677
Loan and lease loss provision to assets	0.2262%	1,625
Net operating income to assets	0.7990%	3,175
Return on assets (ROA)	0.8839%	2,871
Pretax return on assets	1.1929%	2,603
Return on Equity (ROE)	9.2882%	2,356
Retained earnings to average equity (ytd only)	9.2882%	1,290
Net charge-offs to loans	0.0079%	3,994
Credit loss provision to net charge-offs	4,100.0000%	74
Earnings coverage of net charge-offs (x)	236.4000%	169
Efficiency ratio	68.9474%	4,153
Assets per employee ($millions)	3.9504%	4,067
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	1.2093%	5,142
Loan loss allowance to noncurrent loans	163.0016%	2,232
Noncurrent assets plus other real estate owned to assets	0.6843%	4,667
Noncurrent loans to loans	0.7419%	4,647
Net loans and leases to total assets	70.3109%	1,612
Net loans and leases to deposits	83.0845%	1,697
Net loans and leases to core deposits	105.5359%	656
Total domestic deposits to total assets	84.6258%	4,216
Equity capital to assets	9.5261%	4,813
Core capital (leverage) ratio	9.2400%	4,497
Tier 1 risk-based capital ratio	11.5770%	6,139
Total risk-based capital ratio	12.6596%	6,207
Memoranda:
Average total assets	$362,481,500	1,820
Average earning assets	$335,422,000	1,805
Average equity	$34,495,500	2,049
Average total loans	$254,290,500	1,643
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2884%	945
Cost of funding earning assets	1.1898%	611
Net interest margin	4.0986%	2,011
Noninterest income to average assets	0.5771%	3,402
Noninterest expense to average assets	3.0597%	3,051
Loan and lease loss provision to assets	0.4977%	1,203
Net operating income to assets	0.5865%	4,302
Return on assets (ROA)	0.8997%	3,060
Pretax return on assets	1.1024%	3,150
Return on Equity (ROE)	9.9223%	2,201
Retained earnings to average equity (ytd only)	9.9223%	610
Net charge-offs to loans	1.1671%	878
Credit loss provision to net charge-offs	63.8640%	4,344
Earnings coverage of net charge-offs (x)	1.5631%	4,660
Efficiency ratio	70.0319%	3,809
Assets per employee ($millions)	4.0170%	3,908
Cash dividends to net income (ytd only)*	0.0000%	4,298
Condition Ratios (%)
Loss allowance to loans	1.1716%	5,253
Loan loss allowance to noncurrent loans	226.9767%	1,657
Noncurrent assets plus other real estate owned to assets	0.5004%	5,223
Noncurrent loans to loans	0.5162%	5,238
Net loans and leases to total assets	68.3185%	2,134
Net loans and leases to deposits	82.0138%	1,996
Net loans and leases to core deposits	102.3432%	872
Total domestic deposits to total assets	83.3012%	4,598
Equity capital to assets	9.5068%	4,863
Core capital (leverage) ratio	9.0690%	4,786
Tier 1 risk-based capital ratio	11.5232%	6,084
Total risk-based capital ratio	12.5584%	6,176
Memoranda:
Average total assets	$358,667,800	1,813
Average earning assets	$323,841,800	1,838
Average equity	$32,522,800	2,124
Average total loans	$239,486,600	1,720
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3140%	986
Cost of funding earning assets	1.2674%	511
Net interest margin	4.0466%	2,307
Noninterest income to average assets	0.5494%	3,617
Noninterest expense to average assets	3.0849%	2,926
Loan and lease loss provision to assets	0.3911%	1,643
Net operating income to assets	0.5394%	4,665
Return on assets (ROA)	0.8101%	3,641
Pretax return on assets	1.0772%	3,434
Return on Equity (ROE)	9.0450%	2,781
Retained earnings to average equity (ytd only)	9.0450%	1,216
Net charge-offs to loans	1.1252%	895
Credit loss provision to net charge-offs	52.5263%	4,335
Earnings coverage of net charge-offs (x)	1.4872%	4,544
Efficiency ratio	72.0657%	3,315
Assets per employee ($millions)	4.2155%	3,434
Cash dividends to net income (ytd only)*	0.0000%	3,713
Condition Ratios (%)
Loss allowance to loans	1.2348%	5,122
Loan loss allowance to noncurrent loans	178.5544%	1,945
Noncurrent assets plus other real estate owned to assets	0.6218%	5,116
Noncurrent loans to loans	0.6915%	5,055
Net loans and leases to total assets	66.7242%	2,514
Net loans and leases to deposits	78.3493%	2,613
Net loans and leases to core deposits	103.9541%	871
Total domestic deposits to total assets	85.1625%	3,681
Equity capital to assets	9.3075%	5,456
Core capital (leverage) ratio	8.7868%	5,366
Tier 1 risk-based capital ratio	11.4304%	6,268
Total risk-based capital ratio	12.5156%	6,343
Memoranda:
Average total assets	$357,952,250	1,839
Average earning assets	$322,237,250	1,861
Average equity	$32,061,000	2,158
Average total loans	$236,878,250	1,747
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3114%	1,029
Cost of funding earning assets	1.3429%	442
Net interest margin	3.9686%	2,642
Noninterest income to average assets	0.5332%	3,702
Noninterest expense to average assets	2.9550%	3,425
Loan and lease loss provision to assets	0.4611%	1,387
Net operating income to assets	0.4854%	4,884
Return on assets (ROA)	0.7942%	3,668
Pretax return on assets	1.0832%	3,364
Return on Equity (ROE)	8.9848%	2,822
Retained earnings to average equity (ytd only)	8.9848%	1,282
Net charge-offs to loans	1.2817%	838
Credit loss provision to net charge-offs	54.7445%	3,937
Earnings coverage of net charge-offs (x)	1.3311%	4,336
Efficiency ratio	70.9310%	3,610
Assets per employee ($millions)	4.4754%	2,951
Cash dividends to net income (ytd only)*	0.0000%	3,523
Condition Ratios (%)
Loss allowance to loans	1.4007%	4,460
Loan loss allowance to noncurrent loans	161.9900%	2,074
Noncurrent assets plus other real estate owned to assets	0.7266%	4,980
Noncurrent loans to loans	0.8647%	4,773
Net loans and leases to total assets	63.2252%	3,195
Net loans and leases to deposits	73.7860%	3,326
Net loans and leases to core deposits	100.0406%	1,098
Total domestic deposits to total assets	85.6873%	3,514
Equity capital to assets	8.9537%	5,752
Core capital (leverage) ratio	8.4584%	5,699
Tier 1 risk-based capital ratio	11.3809%	6,292
Total risk-based capital ratio	12.5891%	6,292
Memoranda:
Average total assets	$357,831,670	1,837
Average earning assets	$319,461,670	1,874
Average equity	$31,631,330	2,165
Average total loans	$235,147,330	1,757
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4143%	890
Cost of funding earning assets	1.4304%	379
Net interest margin	3.9839%	2,576
Noninterest income to average assets	0.4928%	3,959
Noninterest expense to average assets	3.0380%	3,123
Loan and lease loss provision to assets	0.4219%	1,492
Net operating income to assets	0.3963%	5,272
Return on assets (ROA)	0.6999%	4,097
Pretax return on assets	0.9890%	3,711
Return on Equity (ROE)	7.9698%	3,295
Retained earnings to average equity (ytd only)	7.9698%	1,990
Net charge-offs to loans	2.4423%	344
Credit loss provision to net charge-offs	25.9695%	3,691
Earnings coverage of net charge-offs (x)	0.6053%	4,034
Efficiency ratio	73.9508%	3,106
Assets per employee ($millions)	4.3547%	3,293
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	1.2439%	5,289
Loan loss allowance to noncurrent loans	112.2457%	2,772
Noncurrent assets plus other real estate owned to assets	1.0832%	4,327
Noncurrent loans to loans	1.1082%	4,482
Net loans and leases to total assets	63.0186%	3,043
Net loans and leases to deposits	74.1240%	3,108
Net loans and leases to core deposits	100.1927%	974
Total domestic deposits to total assets	85.0178%	4,027
Equity capital to assets	8.6635%	5,915
Core capital (leverage) ratio	8.4473%	5,681
Tier 1 risk-based capital ratio	11.1990%	6,445
Total risk-based capital ratio	12.2766%	6,506
Memoranda:
Average total assets	$355,493,000	1,862
Average earning assets	$314,868,000	1,903
Average equity	$31,218,000	2,190
Average total loans	$236,494,500	1,747
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6138%	928
Cost of funding earning assets	1.5292%	638
Net interest margin	4.0846%	2,504
Noninterest income to average assets	0.6019%	3,155
Noninterest expense to average assets	2.8670%	4,095
Loan and lease loss provision to assets	0.8601%	1,127
Net operating income to assets	0.4720%	4,534
Return on assets (ROA)	-0.3283%	6,416
Pretax return on assets	-0.6112%	6,558
Return on Equity (ROE)	-3.5190%	6,446
Retained earnings to average equity (ytd only)	-3.5190%	6,330
Net charge-offs to loans	0.9383%	1,854
Credit loss provision to net charge-offs	131.9196%	2,311
Earnings coverage of net charge-offs (x)	2.2996%	4,071
Efficiency ratio	64.1357%	5,103
Assets per employee ($millions)	4.1613%	3,528
Cash dividends to net income (ytd only)*	0.0000%	4,078
Condition Ratios (%)
Loss allowance to loans	1.6249%	3,493
Loan loss allowance to noncurrent loans	69.6745%	4,070
Noncurrent assets plus other real estate owned to assets	1.7168%	3,378
Noncurrent loans to loans	2.3322%	2,818
Net loans and leases to total assets	68.2048%	2,353
Net loans and leases to deposits	80.4594%	2,435
Net loans and leases to core deposits	111.1256%	584
Total domestic deposits to total assets	84.7693%	3,978
Equity capital to assets	8.9037%	5,673
Core capital (leverage) ratio	8.3572%	5,768
Tier 1 risk-based capital ratio	10.7023%	6,602
Total risk-based capital ratio	11.9549%	6,574
Memoranda:
Average total assets	$343,560,600	1,886
Average earning assets	$316,627,800	1,861
Average equity	$32,054,400	2,074
Average total loans	$238,721,600	1,754
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5786%	1,080
Cost of funding earning assets	1.5689%	669
Net interest margin	4.0097%	2,877
Noninterest income to average assets	0.6369%	2,955
Noninterest expense to average assets	3.0196%	3,485
Loan and lease loss provision to assets	0.8127%	1,141
Net operating income to assets	0.4153%	4,929
Return on assets (ROA)	0.4128%	5,128
Pretax return on assets	0.5122%	5,127
Return on Equity (ROE)	4.3731%	4,825
Retained earnings to average equity (ytd only)	4.3731%	3,618
Net charge-offs to loans	1.1521%	1,368
Credit loss provision to net charge-offs	101.4599%	3,302
Earnings coverage of net charge-offs (x)	1.6579%	4,406
Efficiency ratio	67.9218%	4,339
Assets per employee ($millions)	3.9743%	3,906
Cash dividends to net income (ytd only)*	0.0000%	3,512
Condition Ratios (%)
Loss allowance to loans	1.3425%	4,808
Loan loss allowance to noncurrent loans	59.4916%	4,483
Noncurrent assets plus other real estate owned to assets	1.5814%	3,721
Noncurrent loans to loans	2.2567%	3,047
Net loans and leases to total assets	69.1368%	2,254
Net loans and leases to deposits	83.3439%	2,122
Net loans and leases to core deposits	118.7300%	422
Total domestic deposits to total assets	82.9537%	4,703
Equity capital to assets	9.5817%	4,956
Core capital (leverage) ratio	9.1821%	4,657
Tier 1 risk-based capital ratio	11.3930%	6,301
Total risk-based capital ratio	12.5783%	6,333
Memoranda:
Average total assets	$342,063,250	1,900
Average earning assets	$316,559,250	1,870
Average equity	$32,287,250	2,056
Average total loans	$237,815,000	1,773
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6312%	1,018
Cost of funding earning assets	1.6065%	678
Net interest margin	4.0247%	2,715
Noninterest income to average assets	0.5598%	3,402
Noninterest expense to average assets	3.0033%	3,628
Loan and lease loss provision to assets	0.1086%	4,943
Net operating income to assets	0.7607%	3,242
Return on assets (ROA)	0.8385%	3,013
Pretax return on assets	1.2974%	2,146
Return on Equity (ROE)	8.9295%	2,547
Retained earnings to average equity (ytd only)	8.9295%	1,132
Net charge-offs to loans	0.0152%	5,633
Credit loss provision to net charge-offs	1,027.7778%	326
Earnings coverage of net charge-offs (x)	121.7778%	289
Efficiency ratio	68.4542%	4,430
Assets per employee ($millions)	3.9113%	3,964
Cash dividends to net income (ytd only)*	0.0000%	3,290
Condition Ratios (%)
Loss allowance to loans	1.4133%	4,501
Loan loss allowance to noncurrent loans	99.1808%	2,910
Noncurrent assets plus other real estate owned to assets	1.0045%	4,868
Noncurrent loans to loans	1.4250%	4,282
Net loans and leases to total assets	69.4909%	2,323
Net loans and leases to deposits	84.8994%	1,963
Net loans and leases to core deposits	119.8369%	421
Total domestic deposits to total assets	81.8508%	5,216
Equity capital to assets	9.7891%	4,398
Core capital (leverage) ratio	9.4100%	4,094
Tier 1 risk-based capital ratio	11.6665%	6,035
Total risk-based capital ratio	12.9188%	6,033
Memoranda:
Average total assets	$340,829,330	1,916
Average earning assets	$315,849,000	1,886
Average equity	$32,006,330	2,065
Average total loans	$236,318,670	1,810
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6808%	917
Cost of funding earning assets	1.6519%	674
Net interest margin	4.0289%	2,569
Noninterest income to average assets	0.4339%	4,422
Noninterest expense to average assets	3.0208%	3,555
Loan and lease loss provision to assets	0.1583%	4,044
Net operating income to assets	0.6722%	3,650
Return on assets (ROA)	0.7458%	3,359
Pretax return on assets	1.0882%	2,800
Return on Equity (ROE)	8.1138%	2,860
Retained earnings to average equity (ytd only)	8.1138%	1,690
Net charge-offs to loans	0.0000%	5,107
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.9977%	4,060
Assets per employee ($millions)	4.0044%	3,830
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	1.4091%	4,616
Loan loss allowance to noncurrent loans	278.9037%	1,089
Noncurrent assets plus other real estate owned to assets	0.3581%	6,310
Noncurrent loans to loans	0.5052%	6,012
Net loans and leases to total assets	69.0261%	2,320
Net loans and leases to deposits	86.6212%	1,634
Net loans and leases to core deposits	122.6493%	370
Total domestic deposits to total assets	79.6873%	6,020
Equity capital to assets	9.3024%	4,725
Core capital (leverage) ratio	9.0267%	4,574
Tier 1 risk-based capital ratio	11.1738%	6,374
Total risk-based capital ratio	12.3948%	6,370
Memoranda:
Average total assets	$341,101,500	1,929
Average earning assets	$315,517,000	1,894
Average equity	$31,354,000	2,091
Average total loans	$234,549,500	1,836
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6820%	1,635
Cost of funding earning assets	1.9762%	661
Net interest margin	3.7058%	4,318
Noninterest income to average assets	0.4948%	4,206
Noninterest expense to average assets	2.8871%	4,291
Loan and lease loss provision to assets	0.2233%	5,044
Net operating income to assets	0.6737%	3,327
Return on assets (ROA)	0.7389%	3,184
Pretax return on assets	0.8524%	3,465
Return on Equity (ROE)	8.0649%	2,675
Retained earnings to average equity (ytd only)	6.0621%	1,779
Net charge-offs to loans	0.1857%	5,192
Credit loss provision to net charge-offs	192.1053%	1,667
Earnings coverage of net charge-offs (x)	8.6105%	1,951
Efficiency ratio	73.6627%	3,466
Assets per employee ($millions)	4.2201%	3,347
Cash dividends to net income (ytd only)*	24.8344%	3,262
Condition Ratios (%)
Loss allowance to loans	1.3965%	4,526
Loan loss allowance to noncurrent loans	379.6231%	823
Noncurrent assets plus other real estate owned to assets	0.2528%	6,609
Noncurrent loans to loans	0.3679%	6,320
Net loans and leases to total assets	66.5745%	3,337
Net loans and leases to deposits	84.4460%	2,379
Net loans and leases to core deposits	121.3803%	493
Total domestic deposits to total assets	78.8368%	6,122
Equity capital to assets	9.0820%	5,019
Core capital (leverage) ratio	8.7997%	4,858
Tier 1 risk-based capital ratio	10.9380%	6,376
Total risk-based capital ratio	12.1117%	6,407
Memoranda:
Average total assets	$326,973,600	1,989
Average earning assets	$299,366,400	1,984
Average equity	$29,956,800	2,177
Average total loans	$204,616,600	2,117
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6358%	1,927
Cost of funding earning assets	2.0329%	680
Net interest margin	3.6029%	4,859
Noninterest income to average assets	0.4714%	4,402
Noninterest expense to average assets	2.7981%	4,498
Loan and lease loss provision to assets	0.1567%	5,473
Net operating income to assets	0.6348%	3,724
Return on assets (ROA)	0.6731%	3,694
Pretax return on assets	0.8587%	3,706
Return on Equity (ROE)	7.3302%	3,191
Retained earnings to average equity (ytd only)	4.6353%	3,240
Net charge-offs to loans	0.2544%	4,417
Credit loss provision to net charge-offs	100.5291%	4,290
Earnings coverage of net charge-offs (x)	6.1984%	2,575
Efficiency ratio	74.1207%	3,310
Assets per employee ($millions)	4.1562%	3,532
Cash dividends to net income (ytd only)*	36.7646%	2,236
Condition Ratios (%)
Loss allowance to loans	1.2994%	4,967
Loan loss allowance to noncurrent loans	331.2212%	895
Noncurrent assets plus other real estate owned to assets	0.2887%	6,647
Noncurrent loans to loans	0.3923%	6,413
Net loans and leases to total assets	64.0757%	4,110
Net loans and leases to deposits	79.9938%	3,453
Net loans and leases to core deposits	116.3550%	734
Total domestic deposits to total assets	80.1008%	5,672
Equity capital to assets	9.2554%	5,218
Core capital (leverage) ratio	8.9017%	4,847
Tier 1 risk-based capital ratio	10.8431%	6,511
Total risk-based capital ratio	11.9108%	6,654
Memoranda:
Average total assets	$323,259,750	2,040
Average earning assets	$295,459,000	2,037
Average equity	$29,684,750	2,225
Average total loans	$198,072,250	2,206
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6270%	2,034
Cost of funding earning assets	2.1046%	645
Net interest margin	3.5224%	5,147
Noninterest income to average assets	0.4499%	4,518
Noninterest expense to average assets	2.8676%	4,196
Loan and lease loss provision to assets	0.1323%	5,565
Net operating income to assets	0.5205%	4,236
Return on assets (ROA)	0.6515%	3,777
Pretax return on assets	0.8103%	3,844
Return on Equity (ROE)	7.1150%	3,249
Retained earnings to average equity (ytd only)	2.9864%	4,220
Net charge-offs to loans	0.3646%	3,536
Credit loss provision to net charge-offs	60.5187%	5,196
Earnings coverage of net charge-offs (x)	3.5620%	3,267
Efficiency ratio	78.6418%	2,636
Assets per employee ($millions)	4.3070%	3,199
Cash dividends to net income (ytd only)*	58.0271%	1,384
Condition Ratios (%)
Loss allowance to loans	1.4082%	4,385
Loan loss allowance to noncurrent loans	248.2759%	1,134
Noncurrent assets plus other real estate owned to assets	0.5484%	6,100
Noncurrent loans to loans	0.5672%	6,114
Net loans and leases to total assets	60.1008%	5,039
Net loans and leases to deposits	76.6300%	4,214
Net loans and leases to core deposits	116.9212%	813
Total domestic deposits to total assets	78.4298%	6,172
Equity capital to assets	9.3073%	4,993
Core capital (leverage) ratio	9.2305%	4,250
Tier 1 risk-based capital ratio	12.2837%	5,048
Total risk-based capital ratio	13.4169%	5,135
Memoranda:
Average total assets	$317,410,330	2,095
Average earning assets	$288,041,330	2,100
Average equity	$29,065,330	2,257
Average total loans	$190,346,330	2,310
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7187%	1,709
Cost of funding earning assets	2.1464%	693
Net interest margin	3.5723%	4,847
Noninterest income to average assets	0.3915%	4,988
Noninterest expense to average assets	2.8767%	4,153
Loan and lease loss provision to assets	0.0884%	5,751
Net operating income to assets	0.5265%	4,254
Return on assets (ROA)	0.6352%	3,851
Pretax return on assets	0.7703%	3,990
Return on Equity (ROE)	6.9944%	3,344
Retained earnings to average equity (ytd only)	6.9944%	2,134
Net charge-offs to loans	0.7050%	2,090
Credit loss provision to net charge-offs	21.0843%	4,936
Earnings coverage of net charge-offs (x)	1.7319%	3,692
Efficiency ratio	79.8458%	2,587
Assets per employee ($millions)	4.4787%	2,993
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	1.3996%	4,420
Loan loss allowance to noncurrent loans	1,203.2258%	284
Noncurrent assets plus other real estate owned to assets	0.5579%	6,110
Noncurrent loans to loans	0.1163%	7,117
Net loans and leases to total assets	57.0427%	5,598
Net loans and leases to deposits	72.1837%	5,027
Net loans and leases to core deposits	110.8036%	1,230
Total domestic deposits to total assets	79.0243%	6,071
Equity capital to assets	9.0703%	5,172
Core capital (leverage) ratio	9.2468%	4,143
Tier 1 risk-based capital ratio	12.4051%	4,831
Total risk-based capital ratio	13.4958%	4,923
Memoranda:
Average total assets	$316,756,500	2,148
Average earning assets	$284,750,000	2,176
Average equity	$28,766,000	2,306
Average total loans	$188,375,500	2,396
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.2526%	1,113
Cost of funding earning assets	2.2717%	1,762
Net interest margin	3.9809%	2,936
Noninterest income to average assets	0.4463%	4,837
Noninterest expense to average assets	3.1487%	3,554
Loan and lease loss provision to assets	0.8401%	2,629
Net operating income to assets	0.0941%	5,229
Return on assets (ROA)	0.3461%	4,432
Pretax return on assets	0.3696%	4,581
Return on Equity (ROE)	3.9790%	4,095
Retained earnings to average equity (ytd only)	2.0475%	3,671
Net charge-offs to loans	1.0552%	2,300
Credit loss provision to net charge-offs	126.0081%	4,142
Earnings coverage of net charge-offs (x)	1.4123%	4,712
Efficiency ratio	76.9800%	3,363
Assets per employee ($millions)	4.2609%	3,330
Cash dividends to net income (ytd only)*	48.5437%	2,540
Condition Ratios (%)
Loss allowance to loans	1.5106%	3,663
Loan loss allowance to noncurrent loans	244.0952%	1,228
Noncurrent assets plus other real estate owned to assets	0.6813%	5,749
Noncurrent loans to loans	0.6188%	6,009
Net loans and leases to total assets	60.2236%	5,301
Net loans and leases to deposits	77.4996%	4,472
Net loans and leases to core deposits	93.0145%	4,778
Total domestic deposits to total assets	77.7083%	6,297
Equity capital to assets	9.0929%	4,996
Core capital (leverage) ratio	9.5145%	3,698
Tier 1 risk-based capital ratio	12.0548%	4,897
Total risk-based capital ratio	13.2415%	4,909
Memoranda:
Average total assets	$297,581,000	2,227
Average earning assets	$272,398,800	2,223
Average equity	$25,885,800	2,538
Average total loans	$188,015,400	2,426
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.3294%	1,069
Cost of funding earning assets	2.2889%	2,027
Net interest margin	4.0405%	2,632
Noninterest income to average assets	0.4745%	4,714
Noninterest expense to average assets	3.0870%	3,692
Loan and lease loss provision to assets	0.7763%	2,433
Net operating income to assets	0.2201%	5,091
Return on assets (ROA)	0.3730%	4,609
Pretax return on assets	0.5406%	4,401
Return on Equity (ROE)	4.3395%	4,235
Retained earnings to average equity (ytd only)	1.7031%	4,361
Net charge-offs to loans	0.9808%	2,011
Credit loss provision to net charge-offs	124.2204%	4,056
Earnings coverage of net charge-offs (x)	1.7527%	4,481
Efficiency ratio	73.8108%	3,894
Assets per employee ($millions)	4.3295%	3,152
Cash dividends to net income (ytd only)*	60.7531%	1,572
Condition Ratios (%)
Loss allowance to loans	1.4049%	3,912
Loan loss allowance to noncurrent loans	403.4483%	769
Noncurrent assets plus other real estate owned to assets	0.4821%	6,262
Noncurrent loans to loans	0.3482%	6,659
Net loans and leases to total assets	62.3139%	5,189
Net loans and leases to deposits	80.9762%	4,201
Net loans and leases to core deposits	92.5631%	5,179
Total domestic deposits to total assets	76.9534%	6,348
Equity capital to assets	9.2436%	5,099
Core capital (leverage) ratio	9.6817%	3,674
Tier 1 risk-based capital ratio	11.5108%	5,416
Total risk-based capital ratio	12.5786%	5,555
Memoranda:
Average total assets	$294,215,250	2,270
Average earning assets	$269,992,500	2,259
Average equity	$25,286,500	2,603
Average total loans	$187,470,500	2,458
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.3608%	1,078
Cost of funding earning assets	2.2814%	2,441
Net interest margin	4.0795%	2,393
Noninterest income to average assets	0.4999%	4,447
Noninterest expense to average assets	3.3042%	2,938
Loan and lease loss provision to assets	0.4965%	3,055
Net operating income to assets	0.2883%	4,949
Return on assets (ROA)	0.4147%	4,558
Pretax return on assets	0.6297%	4,236
Return on Equity (ROE)	4.9554%	4,097
Retained earnings to average equity (ytd only)	0.8533%	4,842
Net charge-offs to loans	0.8844%	1,926
Credit loss provision to net charge-offs	87.8493%	4,983
Earnings coverage of net charge-offs (x)	1.6537%	4,304
Efficiency ratio	77.9524%	3,353
Assets per employee ($millions)	4.2692%	3,170
Cash dividends to net income (ytd only)*	82.7815%	1,028
Condition Ratios (%)
Loss allowance to loans	1.2068%	4,887
Loan loss allowance to noncurrent loans	183.3469%	1,634
Noncurrent assets plus other real estate owned to assets	0.6776%	5,716
Noncurrent loans to loans	0.6582%	5,940
Net loans and leases to total assets	61.8242%	5,388
Net loans and leases to deposits	82.1827%	4,196
Net loans and leases to core deposits	93.5702%	5,166
Total domestic deposits to total assets	75.2277%	6,715
Equity capital to assets	8.9605%	5,373
Core capital (leverage) ratio	9.6567%	3,693
Tier 1 risk-based capital ratio	11.5681%	5,312
Total risk-based capital ratio	12.4772%	5,577
Memoranda:
Average total assets	$291,265,670	2,308
Average earning assets	$266,946,330	2,297
Average equity	$24,377,330	2,715
Average total loans	$186,113,330	2,501
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.2838%	1,350
Cost of funding earning assets	2.2833%	2,776
Net interest margin	4.0004%	2,641
Noninterest income to average assets	0.4592%	4,691
Noninterest expense to average assets	2.9429%	4,002
Loan and lease loss provision to assets	0.6401%	1,970
Net operating income to assets	0.4046%	4,840
Return on assets (ROA)	0.4299%	4,923
Pretax return on assets	0.5663%	4,859
Return on Equity (ROE)	5.3329%	4,316
Retained earnings to average equity (ytd only)	5.3329%	2,943
Net charge-offs to loans	-0.0065%	7,211
Credit loss provision to net charge-offs	-15,333.3333%	6,798
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	71.5010%	4,271
Assets per employee ($millions)	4.3476%	2,983
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	1.4956%	3,019
Loan loss allowance to noncurrent loans	128.3569%	2,458
Noncurrent assets plus other real estate owned to assets	1.2954%	4,091
Noncurrent loans to loans	1.1652%	4,656
Net loans and leases to total assets	61.9154%	5,347
Net loans and leases to deposits	79.3365%	4,718
Net loans and leases to core deposits	88.7955%	5,671
Total domestic deposits to total assets	78.0416%	6,003
Equity capital to assets	8.6088%	5,904
Core capital (leverage) ratio	10.0533%	3,346
Tier 1 risk-based capital ratio	11.8898%	5,049
Total risk-based capital ratio	13.0486%	5,044
Memoranda:
Average total assets	$287,475,500	2,350
Average earning assets	$262,772,000	2,342
Average equity	$23,177,000	2,857
Average total loans	$185,662,000	2,527
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.6927%	2,054
Cost of funding earning assets	2.9201%	2,174
Net interest margin	3.7726%	4,127
Noninterest income to average assets	0.6015%	3,834
Noninterest expense to average assets	2.8971%	4,460
Loan and lease loss provision to assets	0.3074%	3,912
Net operating income to assets	0.8747%	3,113
Return on assets (ROA)	0.1845%	5,725
Pretax return on assets	0.1176%	5,909
Return on Equity (ROE)	2.3968%	5,464
Retained earnings to average equity (ytd only)	-0.5683%	5,459
Net charge-offs to loans	0.1499%	4,707
Credit loss provision to net charge-offs	301.4925%	1,493
Earnings coverage of net charge-offs (x)	10.9366%	2,442
Efficiency ratio	72.2075%	3,897
Assets per employee ($millions)	3.9281%	3,663
Cash dividends to net income (ytd only)*	123.7113%	644
Condition Ratios (%)
Loss allowance to loans	1.2896%	3,858
Loan loss allowance to noncurrent loans	369.4357%	1,120
Noncurrent assets plus other real estate owned to assets	0.8481%	4,729
Noncurrent loans to loans	0.3491%	6,324
Net loans and leases to total assets	65.6117%	4,930
Net loans and leases to deposits	78.5730%	5,256
Net loans and leases to core deposits	87.9418%	5,983
Total domestic deposits to total assets	83.5041%	3,571
Equity capital to assets	7.4660%	7,410
Core capital (leverage) ratio	8.2034%	6,158
Tier 1 risk-based capital ratio	9.4814%	7,329
Total risk-based capital ratio	10.4924%	7,517
Memoranda:
Average total assets	$262,846,600	2,437
Average earning assets	$237,632,400	2,474
Average equity	$20,235,400	3,190
Average total loans	$178,822,200	2,513