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Midwest Bank, Performance and Condition Ratios

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2024-12-31		Rank
Percentage of unprofitable institutions	0.0000%	319
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7184%	3,563
Cost of funding earning assets	1.9415%	2,361
Net interest margin	2.7769%	3,515
Noninterest income to average assets	0.4300%	2,281
Noninterest expense to average assets	2.0386%	3,518
Loan and lease loss provision to assets	0.1100%	1,276
Net operating income to assets	0.6116%	3,207
Return on assets (ROA)	0.6116%	3,231
Pretax return on assets	0.7987%	3,058
Return on Equity (ROE)	7.5300%	2,888
Retained earnings to average equity (ytd only)	3.8661%	2,684
Net charge-offs to loans	0.1033%	1,150
Credit loss provision to net charge-offs	172.4138%	1,260
Earnings coverage of net charge-offs (x)	14.9951%	2,037
Efficiency ratio	69.2277%	2,096
Assets per employee ($millions)	7.3588%	1,934
Cash dividends to net income (ytd only)*	48.6736%	1,703
Condition Ratios (%)
Loss allowance to loans	1.1488%	2,427
Loan loss allowance to noncurrent loans	467.7744%	1,266
Noncurrent assets plus other real estate owned to assets	0.1467%	2,730
Noncurrent loans to loans	0.2456%	2,527
Net loans and leases to total assets	59.0400%	3,020
Net loans and leases to deposits	74.1442%	2,626
Net loans and leases to core deposits	89.9111%	2,116
Total domestic deposits to total assets	79.6300%	3,601
Equity capital to assets	7.9969%	3,513
Core capital (leverage) ratio	9.3685%	3,353
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.9201%	1,281
Memoranda:
Average total assets	$671,824,600	1,389
Average earning assets	$608,233,800	1,418
Average equity	$54,550,800	1,616
Average total loans	$393,056,600	1,545
2024-09-30		Rank
Percentage of unprofitable institutions	0.0000%	305
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6812%	3,586
Cost of funding earning assets	1.9280%	2,392
Net interest margin	2.7532%	3,521
Noninterest income to average assets	0.4300%	2,252
Noninterest expense to average assets	2.0043%	3,555
Loan and lease loss provision to assets	0.1100%	1,157
Net operating income to assets	0.6214%	3,162
Return on assets (ROA)	0.6214%	3,189
Pretax return on assets	0.8107%	3,015
Return on Equity (ROE)	7.6200%	2,857
Retained earnings to average equity (ytd only)	3.9643%	2,870
Net charge-offs to loans	0.0639%	1,269
Credit loss provision to net charge-offs	267.3797%	910
Earnings coverage of net charge-offs (x)	24.8770%	1,630
Efficiency ratio	68.4225%	2,211
Assets per employee ($millions)	7.2523%	1,968
Cash dividends to net income (ytd only)*	48.0000%	1,450
Condition Ratios (%)
Loss allowance to loans	1.2002%	2,213
Loan loss allowance to noncurrent loans	405.5652%	1,448
Noncurrent assets plus other real estate owned to assets	0.1687%	2,621
Noncurrent loans to loans	0.2959%	2,397
Net loans and leases to total assets	56.3200%	3,238
Net loans and leases to deposits	71.9477%	2,815
Net loans and leases to core deposits	85.5156%	2,451
Total domestic deposits to total assets	78.2800%	3,696
Equity capital to assets	8.6444%	3,292
Core capital (leverage) ratio	9.2555%	3,515
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.3314%	1,225
Memoranda:
Average total assets	$670,527,500	1,387
Average earning assets	$608,200,500	1,409
Average equity	$54,653,500	1,604
Average total loans	$390,233,000	1,545
2024-06-30		Rank
Percentage of unprofitable institutions	0.0000%	306
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6499%	3,555
Cost of funding earning assets	1.8936%	2,379
Net interest margin	2.7563%	3,495
Noninterest income to average assets	0.4400%	2,147
Noninterest expense to average assets	1.9907%	3,583
Loan and lease loss provision to assets	0.1100%	1,067
Net operating income to assets	0.6467%	3,074
Return on assets (ROA)	0.6467%	3,100
Pretax return on assets	0.8410%	2,896
Return on Equity (ROE)	8.1000%	2,707
Retained earnings to average equity (ytd only)	4.3436%	2,587
Net charge-offs to loans	0.0717%	1,065
Credit loss provision to net charge-offs	214.2857%	980
Earnings coverage of net charge-offs (x)	22.5786%	1,561
Efficiency ratio	67.7383%	2,357
Assets per employee ($millions)	7.3574%	1,832
Cash dividends to net income (ytd only)*	46.3822%	1,585
Condition Ratios (%)
Loss allowance to loans	1.1335%	2,591
Loan loss allowance to noncurrent loans	556.2269%	1,175
Noncurrent assets plus other real estate owned to assets	0.1211%	2,845
Noncurrent loans to loans	0.2038%	2,678
Net loans and leases to total assets	58.7700%	3,071
Net loans and leases to deposits	73.9146%	2,699
Net loans and leases to core deposits	87.9237%	2,269
Total domestic deposits to total assets	79.5100%	3,521
Equity capital to assets	7.9670%	3,451
Core capital (leverage) ratio	9.2669%	3,468
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.6700%	1,349
Memoranda:
Average total assets	$666,798,000	1,388
Average earning assets	$604,141,333	1,409
Average equity	$53,228,000	1,615
Average total loans	$390,773,667	1,538
2024-03-31		Rank
Percentage of unprofitable institutions	0.0000%	11
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5754%	3,559
Cost of funding earning assets	1.8195%	2,450
Net interest margin	2.7558%	3,460
Noninterest income to average assets	0.4600%	1,966
Noninterest expense to average assets	1.9692%	3,651
Loan and lease loss provision to assets	0.1100%	944
Net operating income to assets	0.6805%	2,903
Return on assets (ROA)	0.6805%	2,925
Pretax return on assets	0.8782%	2,722
Return on Equity (ROE)	8.5200%	2,542
Retained earnings to average equity (ytd only)	4.7544%	2,476
Net charge-offs to loans	0.0413%	1,122
Credit loss provision to net charge-offs	250.0000%	726
Earnings coverage of net charge-offs (x)	41.0750%	1,047
Efficiency ratio	66.5989%	2,543
Assets per employee ($millions)	7.3461%	1,849
Cash dividends to net income (ytd only)*	44.1696%	1,429
Condition Ratios (%)
Loss allowance to loans	1.1331%	2,639
Loan loss allowance to noncurrent loans	509.3533%	1,335
Noncurrent assets plus other real estate owned to assets	0.1333%	2,749
Noncurrent loans to loans	0.2225%	2,529
Net loans and leases to total assets	58.2100%	3,037
Net loans and leases to deposits	74.1419%	2,597
Net loans and leases to core deposits	86.3784%	2,289
Total domestic deposits to total assets	78.5100%	3,734
Equity capital to assets	7.9804%	3,381
Core capital (leverage) ratio	9.2655%	3,428
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.8775%	1,308
Memoranda:
Average total assets	$665,435,000	1,393
Average earning assets	$602,794,500	1,421
Average equity	$53,171,500	1,613
Average total loans	$387,169,500	1,547
2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3440%	3,366
Cost of funding earning assets	1.5850%	1,728
Net interest margin	2.7590%	3,734
Noninterest income to average assets	0.6400%	1,394
Noninterest expense to average assets	2.2391%	3,012
Loan and lease loss provision to assets	0.0600%	1,903
Net operating income to assets	0.6386%	3,341
Return on assets (ROA)	0.6398%	3,319
Pretax return on assets	0.8338%	3,131
Return on Equity (ROE)	8.3300%	2,937
Retained earnings to average equity (ytd only)	5.4106%	2,441
Net charge-offs to loans	0.0521%	1,348
Credit loss provision to net charge-offs	194.3005%	1,243
Earnings coverage of net charge-offs (x)	30.7409%	1,621
Efficiency ratio	71.6152%	1,698
Assets per employee ($millions)	7.1247%	1,991
Cash dividends to net income (ytd only)*	35.0713%	2,339
Condition Ratios (%)
Loss allowance to loans	1.1299%	2,661
Loan loss allowance to noncurrent loans	359.8842%	1,804
Noncurrent assets plus other real estate owned to assets	0.1805%	2,330
Noncurrent loans to loans	0.3140%	2,065
Net loans and leases to total assets	56.8500%	3,134
Net loans and leases to deposits	71.8642%	2,759
Net loans and leases to core deposits	82.3482%	2,562
Total domestic deposits to total assets	79.1000%	3,599
Equity capital to assets	8.0005%	3,416
Core capital (leverage) ratio	9.1309%	3,602
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.9802%	1,283
Memoranda:
Average total assets	$668,526,400	1,355
Average earning assets	$601,812,400	1,374
Average equity	$51,325,400	1,576
Average total loans	$370,506,600	1,546
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3160%	3,263
Cost of funding earning assets	1.4948%	1,621
Net interest margin	2.8212%	3,697
Noninterest income to average assets	0.7200%	1,124
Noninterest expense to average assets	2.2794%	2,857
Loan and lease loss provision to assets	0.0600%	1,749
Net operating income to assets	0.7063%	3,311
Return on assets (ROA)	0.7079%	3,286
Pretax return on assets	0.9258%	3,043
Return on Equity (ROE)	9.3200%	2,843
Retained earnings to average equity (ytd only)	5.3793%	2,814
Net charge-offs to loans	0.0556%	1,111
Credit loss provision to net charge-offs	196.0784%	1,142
Earnings coverage of net charge-offs (x)	32.1438%	1,559
Efficiency ratio	69.9058%	1,796
Assets per employee ($millions)	5.8695%	2,866
Cash dividends to net income (ytd only)*	42.2773%	1,560
Condition Ratios (%)
Loss allowance to loans	1.1527%	2,603
Loan loss allowance to noncurrent loans	317.8203%	1,934
Noncurrent assets plus other real estate owned to assets	0.2066%	2,230
Noncurrent loans to loans	0.3627%	1,932
Net loans and leases to total assets	56.3000%	3,176
Net loans and leases to deposits	72.0842%	2,704
Net loans and leases to core deposits	82.6204%	2,429
Total domestic deposits to total assets	78.1000%	3,804
Equity capital to assets	6.9588%	3,631
Core capital (leverage) ratio	8.8572%	3,901
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.0818%	1,302
Memoranda:
Average total assets	$668,227,250	1,352
Average earning assets	$600,817,750	1,376
Average equity	$50,761,500	1,578
Average total loans	$366,867,250	1,552
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1751%	3,348
Cost of funding earning assets	1.3123%	1,676
Net interest margin	2.8627%	3,709
Noninterest income to average assets	0.8300%	808
Noninterest expense to average assets	2.4070%	2,461
Loan and lease loss provision to assets	0.0700%	1,542
Net operating income to assets	0.7199%	3,300
Return on assets (ROA)	0.7223%	3,293
Pretax return on assets	0.9366%	3,080
Return on Equity (ROE)	9.2500%	2,907
Retained earnings to average equity (ytd only)	5.4397%	2,811
Net charge-offs to loans	0.0774%	806
Credit loss provision to net charge-offs	159.5745%	1,160
Earnings coverage of net charge-offs (x)	23.8369%	1,665
Efficiency ratio	70.6360%	1,706
Assets per employee ($millions)	4.9680%	3,624
Cash dividends to net income (ytd only)*	41.2201%	1,641
Condition Ratios (%)
Loss allowance to loans	1.1704%	2,589
Loan loss allowance to noncurrent loans	310.2436%	2,110
Noncurrent assets plus other real estate owned to assets	0.2036%	2,175
Noncurrent loans to loans	0.3772%	1,792
Net loans and leases to total assets	53.3400%	3,318
Net loans and leases to deposits	67.5572%	2,941
Net loans and leases to core deposits	77.8275%	2,627
Total domestic deposits to total assets	78.9600%	3,726
Equity capital to assets	7.6883%	3,411
Core capital (leverage) ratio	9.1393%	3,615
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.1271%	1,292
Memoranda:
Average total assets	$671,789,000	1,345
Average earning assets	$603,967,000	1,371
Average equity	$52,429,333	1,539
Average total loans	$364,349,667	1,554
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0758%	3,302
Cost of funding earning assets	1.1227%	1,688
Net interest margin	2.9531%	3,689
Noninterest income to average assets	0.8400%	789
Noninterest expense to average assets	2.4341%	2,425
Loan and lease loss provision to assets	0.0900%	1,196
Net operating income to assets	0.7429%	3,364
Return on assets (ROA)	0.7472%	3,306
Pretax return on assets	0.9698%	3,080
Return on Equity (ROE)	9.5000%	2,920
Retained earnings to average equity (ytd only)	5.6761%	2,854
Net charge-offs to loans	0.0531%	834
Credit loss provision to net charge-offs	312.5000%	678
Earnings coverage of net charge-offs (x)	36.5208%	1,224
Efficiency ratio	69.7707%	1,769
Assets per employee ($millions)	4.7472%	3,848
Cash dividends to net income (ytd only)*	40.2576%	1,452
Condition Ratios (%)
Loss allowance to loans	1.2072%	2,516
Loan loss allowance to noncurrent loans	315.3735%	2,150
Noncurrent assets plus other real estate owned to assets	0.2120%	2,079
Noncurrent loans to loans	0.3828%	1,782
Net loans and leases to total assets	54.7200%	3,147
Net loans and leases to deposits	66.3869%	2,898
Net loans and leases to core deposits	76.1632%	2,515
Total domestic deposits to total assets	82.4300%	3,418
Equity capital to assets	8.1395%	3,149
Core capital (leverage) ratio	9.1445%	3,602
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.6588%	1,220
Memoranda:
Average total assets	$664,889,500	1,374
Average earning assets	$596,795,500	1,408
Average equity	$52,289,000	1,553
Average total loans	$361,500,500	1,578
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5179%	3,028
Cost of funding earning assets	0.5625%	1,053
Net interest margin	2.9553%	3,560
Noninterest income to average assets	0.9600%	695
Noninterest expense to average assets	2.3922%	2,445
Loan and lease loss provision to assets	0.0400%	2,129
Net operating income to assets	0.9254%	2,866
Return on assets (ROA)	0.9254%	2,805
Pretax return on assets	1.1942%	2,457
Return on Equity (ROE)	10.6200%	2,604
Retained earnings to average equity (ytd only)	7.0663%	2,212
Net charge-offs to loans	0.0984%	743
Credit loss provision to net charge-offs	83.3333%	1,664
Earnings coverage of net charge-offs (x)	24.2152%	1,799
Efficiency ratio	65.9203%	2,236
Assets per employee ($millions)	5.0703%	3,620
Cash dividends to net income (ytd only)*	33.4504%	2,254
Condition Ratios (%)
Loss allowance to loans	1.1708%	2,527
Loan loss allowance to noncurrent loans	327.7006%	2,094
Noncurrent assets plus other real estate owned to assets	0.1908%	2,223
Noncurrent loans to loans	0.3573%	1,864
Net loans and leases to total assets	52.7700%	3,301
Net loans and leases to deposits	64.1414%	3,031
Net loans and leases to core deposits	70.7040%	2,824
Total domestic deposits to total assets	82.2600%	3,575
Equity capital to assets	7.6009%	3,325
Core capital (leverage) ratio	9.2104%	3,459
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.0182%	1,369
Memoranda:
Average total assets	$646,130,000	1,390
Average earning assets	$583,790,200	1,420
Average equity	$56,309,200	1,473
Average total loans	$335,344,800	1,588
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4038%	2,912
Cost of funding earning assets	0.4733%	865
Net interest margin	2.9305%	3,410
Noninterest income to average assets	0.9500%	743
Noninterest expense to average assets	2.3835%	2,389
Loan and lease loss provision to assets	0.0400%	1,932
Net operating income to assets	0.9169%	2,811
Return on assets (ROA)	0.9169%	2,775
Pretax return on assets	1.1782%	2,459
Return on Equity (ROE)	10.1700%	2,674
Retained earnings to average equity (ytd only)	6.6948%	2,479
Net charge-offs to loans	0.0909%	678
Credit loss provision to net charge-offs	89.2857%	1,383
Earnings coverage of net charge-offs (x)	26.0536%	1,590
Efficiency ratio	66.1446%	2,259
Assets per employee ($millions)	4.6885%	3,915
Cash dividends to net income (ytd only)*	34.1997%	1,844
Condition Ratios (%)
Loss allowance to loans	1.2848%	2,103
Loan loss allowance to noncurrent loans	451.2658%	1,695
Noncurrent assets plus other real estate owned to assets	0.1509%	2,558
Noncurrent loans to loans	0.2847%	2,230
Net loans and leases to total assets	52.3200%	3,250
Net loans and leases to deposits	63.0612%	2,937
Net loans and leases to core deposits	66.8382%	2,891
Total domestic deposits to total assets	82.9600%	3,697
Equity capital to assets	7.3644%	3,291
Core capital (leverage) ratio	9.1634%	3,435
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.0107%	1,171
Memoranda:
Average total assets	$637,807,750	1,415
Average earning assets	$578,589,500	1,438
Average equity	$57,476,000	1,462
Average total loans	$328,494,000	1,606
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2384%	2,928
Cost of funding earning assets	0.4204%	801
Net interest margin	2.8181%	3,390
Noninterest income to average assets	0.8921%	861
Noninterest expense to average assets	2.3386%	2,430
Loan and lease loss provision to assets	0.0390%	1,887
Net operating income to assets	0.8462%	2,796
Return on assets (ROA)	0.8462%	2,770
Pretax return on assets	1.0790%	2,487
Return on Equity (ROE)	8.8610%	2,741
Retained earnings to average equity (ytd only)	5.5937%	2,477
Net charge-offs to loans	0.1511%	426
Credit loss provision to net charge-offs	50.6073%	1,493
Earnings coverage of net charge-offs (x)	14.5061%	1,655
Efficiency ratio	67.6566%	2,287
Assets per employee ($millions)	4.8863%	3,783
Cash dividends to net income (ytd only)*	36.8732%	1,841
Condition Ratios (%)
Loss allowance to loans	1.2754%	2,300
Loan loss allowance to noncurrent loans	228.2906%	2,505
Noncurrent assets plus other real estate owned to assets	0.2890%	1,851
Noncurrent loans to loans	0.5587%	1,502
Net loans and leases to total assets	50.9359%	3,270
Net loans and leases to deposits	62.5131%	2,848
Net loans and leases to core deposits	66.1198%	2,808
Total domestic deposits to total assets	81.4804%	4,070
Equity capital to assets	7.6903%	3,353
Core capital (leverage) ratio	8.9876%	3,477
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.8098%	1,221
Memoranda:
Average total assets	$640,989,333	1,406
Average earning assets	$583,308,000	1,442
Average equity	$61,212,000	1,416
Average total loans	$327,003,667	1,606
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0865%	3,017
Cost of funding earning assets	0.4023%	855
Net interest margin	2.6842%	3,439
Noninterest income to average assets	0.9387%	780
Noninterest expense to average assets	2.3669%	2,280
Loan and lease loss provision to assets	0.0311%	1,807
Net operating income to assets	0.7896%	2,698
Return on assets (ROA)	0.7896%	2,695
Pretax return on assets	0.9990%	2,446
Return on Equity (ROE)	7.5438%	2,857
Retained earnings to average equity (ytd only)	4.5761%	2,748
Net charge-offs to loans	0.1812%	332
Credit loss provision to net charge-offs	33.7838%	1,248
Earnings coverage of net charge-offs (x)	11.2027%	1,444
Efficiency ratio	69.6781%	2,278
Assets per employee ($millions)	5.0830%	3,684
Cash dividends to net income (ytd only)*	39.3391%	1,517
Condition Ratios (%)
Loss allowance to loans	1.3103%	2,308
Loan loss allowance to noncurrent loans	105.2579%	3,333
Noncurrent assets plus other real estate owned to assets	0.6157%	967
Noncurrent loans to loans	1.2448%	704
Net loans and leases to total assets	48.6677%	3,316
Net loans and leases to deposits	59.5554%	2,948
Net loans and leases to core deposits	62.9155%	2,900
Total domestic deposits to total assets	81.7184%	4,109
Equity capital to assets	9.5532%	2,241
Core capital (leverage) ratio	8.8904%	3,464
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.6769%	1,347
Memoranda:
Average total assets	$643,875,000	1,401
Average earning assets	$589,666,500	1,433
Average equity	$67,393,000	1,367
Average total loans	$326,638,500	1,596
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4709%	2,749
Cost of funding earning assets	0.4891%	973
Net interest margin	2.9817%	3,245
Noninterest income to average assets	1.0193%	962
Noninterest expense to average assets	2.3185%	2,742
Loan and lease loss provision to assets	0.1313%	932
Net operating income to assets	0.9938%	2,698
Return on assets (ROA)	1.0009%	2,732
Pretax return on assets	1.3043%	2,344
Return on Equity (ROE)	8.7061%	3,007
Retained earnings to average equity (ytd only)	6.2692%	2,242
Net charge-offs to loans	0.1115%	794
Credit loss provision to net charge-offs	224.6575%	1,235
Earnings coverage of net charge-offs (x)	24.4137%	1,745
Efficiency ratio	61.9074%	2,884
Assets per employee ($millions)	4.9394%	3,788
Cash dividends to net income (ytd only)*	27.9910%	2,662
Condition Ratios (%)
Loss allowance to loans	1.2941%	2,388
Loan loss allowance to noncurrent loans	92.6357%	3,474
Noncurrent assets plus other real estate owned to assets	0.7307%	851
Noncurrent loans to loans	1.3970%	667
Net loans and leases to total assets	51.4957%	3,119
Net loans and leases to deposits	65.0623%	2,592
Net loans and leases to core deposits	69.1638%	2,533
Total domestic deposits to total assets	79.1483%	4,301
Equity capital to assets	11.4071%	1,551
Core capital (leverage) ratio	8.9461%	3,451
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.6550%	1,351
Memoranda:
Average total assets	$624,639,000	1,406
Average earning assets	$571,010,200	1,430
Average equity	$71,811,800	1,322
Average total loans	$327,286,800	1,601
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5078%	2,814
Cost of funding earning assets	0.5106%	997
Net interest margin	2.9972%	3,311
Noninterest income to average assets	0.9967%	1,076
Noninterest expense to average assets	2.2725%	2,827
Loan and lease loss provision to assets	0.1759%	607
Net operating income to assets	0.9859%	2,964
Return on assets (ROA)	0.9896%	3,029
Pretax return on assets	1.2895%	2,646
Return on Equity (ROE)	8.5909%	3,234
Retained earnings to average equity (ytd only)	6.2630%	2,714
Net charge-offs to loans	0.0180%	1,699
Credit loss provision to net charge-offs	1,863.6364%	345
Earnings coverage of net charge-offs (x)	154.7500%	666
Efficiency ratio	60.8723%	2,850
Assets per employee ($millions)	5.1360%	3,564
Cash dividends to net income (ytd only)*	27.0973%	2,217
Condition Ratios (%)
Loss allowance to loans	1.4071%	2,001
Loan loss allowance to noncurrent loans	115.4019%	3,246
Noncurrent assets plus other real estate owned to assets	0.7487%	971
Noncurrent loans to loans	1.2193%	909
Net loans and leases to total assets	50.0572%	3,406
Net loans and leases to deposits	64.1382%	2,839
Net loans and leases to core deposits	68.3663%	2,744
Total domestic deposits to total assets	78.0457%	4,423
Equity capital to assets	11.3286%	1,782
Core capital (leverage) ratio	9.0045%	3,545
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.6914%	1,428
Memoranda:
Average total assets	$621,501,500	1,429
Average earning assets	$567,451,500	1,454
Average equity	$71,593,500	1,345
Average total loans	$326,001,750	1,634
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5072%	2,874
Cost of funding earning assets	0.5423%	976
Net interest margin	2.9649%	3,406
Noninterest income to average assets	0.9289%	1,199
Noninterest expense to average assets	2.3082%	2,748
Loan and lease loss provision to assets	0.2186%	486
Net operating income to assets	0.8562%	3,348
Return on assets (ROA)	0.8588%	3,416
Pretax return on assets	1.1061%	3,192
Return on Equity (ROE)	7.4119%	3,550
Retained earnings to average equity (ytd only)	5.2998%	3,073
Net charge-offs to loans	-0.0486%	4,362
Credit loss provision to net charge-offs	-848.1013%	3,608
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	63.5922%	2,484
Assets per employee ($millions)	4.9170%	3,729
Cash dividends to net income (ytd only)*	28.4954%	2,125
Condition Ratios (%)
Loss allowance to loans	1.4317%	1,847
Loan loss allowance to noncurrent loans	96.4736%	3,396
Noncurrent assets plus other real estate owned to assets	0.8742%	890
Noncurrent loans to loans	1.4840%	767
Net loans and leases to total assets	49.8861%	3,568
Net loans and leases to deposits	62.1962%	3,180
Net loans and leases to core deposits	67.7656%	2,982
Total domestic deposits to total assets	80.2076%	4,209
Equity capital to assets	11.3094%	1,747
Core capital (leverage) ratio	8.6504%	3,837
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.6217%	1,441
Memoranda:
Average total assets	$612,958,000	1,436
Average earning assets	$558,339,333	1,466
Average equity	$71,021,000	1,342
Average total loans	$325,149,333	1,640
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3807%	3,257
Cost of funding earning assets	0.5775%	974
Net interest margin	2.8032%	3,758
Noninterest income to average assets	0.9331%	1,247
Noninterest expense to average assets	2.3590%	2,628
Loan and lease loss provision to assets	0.1009%	1,334
Net operating income to assets	0.7890%	3,460
Return on assets (ROA)	0.7890%	3,527
Pretax return on assets	1.0201%	3,313
Return on Equity (ROE)	6.7248%	3,671
Retained earnings to average equity (ytd only)	5.3096%	3,123
Net charge-offs to loans	-0.0807%	4,571
Credit loss provision to net charge-offs	-230.3030%	3,000
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.7863%	1,959
Assets per employee ($millions)	4.9408%	3,721
Cash dividends to net income (ytd only)*	21.0438%	1,978
Condition Ratios (%)
Loss allowance to loans	1.2252%	2,793
Loan loss allowance to noncurrent loans	113.8018%	3,169
Noncurrent assets plus other real estate owned to assets	0.7268%	1,278
Noncurrent loans to loans	1.0766%	1,245
Net loans and leases to total assets	53.0644%	3,340
Net loans and leases to deposits	67.7193%	2,730
Net loans and leases to core deposits	74.0273%	2,510
Total domestic deposits to total assets	78.3594%	4,402
Equity capital to assets	11.2666%	1,675
Core capital (leverage) ratio	8.8574%	3,750
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.3379%	1,463
Memoranda:
Average total assets	$602,290,500	1,446
Average earning assets	$547,227,500	1,479
Average equity	$70,664,000	1,339
Average total loans	$327,214,000	1,640
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9309%	2,934
Cost of funding earning assets	0.7994%	1,214
Net interest margin	3.1315%	3,544
Noninterest income to average assets	1.1047%	870
Noninterest expense to average assets	2.6907%	2,264
Loan and lease loss provision to assets	0.4554%	607
Net operating income to assets	0.6169%	3,689
Return on assets (ROA)	0.6696%	3,652
Pretax return on assets	0.8430%	3,518
Return on Equity (ROE)	5.4634%	3,761
Retained earnings to average equity (ytd only)	5.4634%	2,065
Net charge-offs to loans	0.8215%	175
Credit loss provision to net charge-offs	94.8047%	2,891
Earnings coverage of net charge-offs (x)	2.5643%	3,156
Efficiency ratio	68.5985%	2,151
Assets per employee ($millions)	4.5153%	3,899
Cash dividends to net income (ytd only)*	0.0000%	3,731
Condition Ratios (%)
Loss allowance to loans	1.1924%	2,987
Loan loss allowance to noncurrent loans	101.5040%	3,313
Noncurrent assets plus other real estate owned to assets	0.8019%	1,277
Noncurrent loans to loans	1.1747%	1,209
Net loans and leases to total assets	54.3102%	3,465
Net loans and leases to deposits	70.8427%	2,790
Net loans and leases to core deposits	77.8145%	2,567
Total domestic deposits to total assets	76.6631%	4,454
Equity capital to assets	12.2918%	1,425
Core capital (leverage) ratio	9.0898%	3,561
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.2099%	1,210
Memoranda:
Average total assets	$549,011,400	1,432
Average earning assets	$493,985,200	1,470
Average equity	$67,284,600	1,336
Average total loans	$321,002,400	1,606
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0104%	2,941
Cost of funding earning assets	0.8500%	1,258
Net interest margin	3.1604%	3,593
Noninterest income to average assets	1.1472%	797
Noninterest expense to average assets	2.7486%	2,125
Loan and lease loss provision to assets	0.4324%	765
Net operating income to assets	0.6413%	3,661
Return on assets (ROA)	0.7127%	3,521
Pretax return on assets	0.8995%	3,384
Return on Equity (ROE)	5.8201%	3,613
Retained earnings to average equity (ytd only)	2.7930%	3,608
Net charge-offs to loans	0.7602%	183
Credit loss provision to net charge-offs	95.7330%	2,664
Earnings coverage of net charge-offs (x)	2.7484%	2,962
Efficiency ratio	68.8839%	2,061
Assets per employee ($millions)	4.4891%	3,862
Cash dividends to net income (ytd only)*	52.0111%	1,400
Condition Ratios (%)
Loss allowance to loans	1.1851%	2,753
Loan loss allowance to noncurrent loans	46.0233%	4,090
Noncurrent assets plus other real estate owned to assets	1.6324%	494
Noncurrent loans to loans	2.5749%	402
Net loans and leases to total assets	56.2415%	3,599
Net loans and leases to deposits	74.5675%	2,906
Net loans and leases to core deposits	81.8413%	2,674
Total domestic deposits to total assets	75.4236%	4,474
Equity capital to assets	11.9279%	1,722
Core capital (leverage) ratio	9.0723%	3,686
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.7158%	1,583
Memoranda:
Average total assets	$539,518,250	1,435
Average earning assets	$485,329,500	1,466
Average equity	$66,068,000	1,343
Average total loans	$320,593,250	1,609
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1863%	2,805
Cost of funding earning assets	0.9147%	1,302
Net interest margin	3.2716%	3,458
Noninterest income to average assets	1.0932%	830
Noninterest expense to average assets	2.8431%	1,993
Loan and lease loss provision to assets	0.3895%	1,051
Net operating income to assets	0.6305%	3,638
Return on assets (ROA)	0.7417%	3,359
Pretax return on assets	0.9298%	3,233
Return on Equity (ROE)	6.0001%	3,508
Retained earnings to average equity (ytd only)	2.9263%	3,419
Net charge-offs to loans	0.8722%	175
Credit loss provision to net charge-offs	74.0072%	2,530
Earnings coverage of net charge-offs (x)	2.2426%	2,794
Efficiency ratio	70.6649%	1,866
Assets per employee ($millions)	4.3621%	3,943
Cash dividends to net income (ytd only)*	51.2295%	1,513
Condition Ratios (%)
Loss allowance to loans	1.1017%	3,049
Loan loss allowance to noncurrent loans	36.6915%	4,287
Noncurrent assets plus other real estate owned to assets	1.9501%	378
Noncurrent loans to loans	3.0027%	319
Net loans and leases to total assets	59.2990%	3,398
Net loans and leases to deposits	78.1004%	2,640
Net loans and leases to core deposits	85.9708%	2,443
Total domestic deposits to total assets	75.9267%	4,434
Equity capital to assets	12.4726%	1,386
Core capital (leverage) ratio	9.1870%	3,701
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.3428%	1,680
Memoranda:
Average total assets	$526,325,333	1,446
Average earning assets	$471,389,333	1,477
Average equity	$65,066,000	1,350
Average total loans	$317,591,333	1,605
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3047%	2,905
Cost of funding earning assets	0.9870%	1,478
Net interest margin	3.3177%	3,551
Noninterest income to average assets	1.0231%	814
Noninterest expense to average assets	3.0221%	1,832
Loan and lease loss provision to assets	0.1741%	1,694
Net operating income to assets	0.6146%	3,559
Return on assets (ROA)	0.8451%	2,820
Pretax return on assets	1.0765%	2,598
Return on Equity (ROE)	6.8685%	3,006
Retained earnings to average equity (ytd only)	3.7236%	2,795
Net charge-offs to loans	0.6749%	224
Credit loss provision to net charge-offs	42.6136%	2,088
Earnings coverage of net charge-offs (x)	2.3466%	2,297
Efficiency ratio	75.9137%	1,571
Assets per employee ($millions)	3.9070%	4,039
Cash dividends to net income (ytd only)*	45.7875%	1,742
Condition Ratios (%)
Loss allowance to loans	1.1675%	2,835
Loan loss allowance to noncurrent loans	36.4152%	4,302
Noncurrent assets plus other real estate owned to assets	2.2907%	323
Noncurrent loans to loans	3.2061%	311
Net loans and leases to total assets	60.5192%	3,443
Net loans and leases to deposits	79.3420%	2,744
Net loans and leases to core deposits	87.8327%	2,535
Total domestic deposits to total assets	76.2763%	4,450
Equity capital to assets	12.2235%	1,900
Core capital (leverage) ratio	9.5506%	3,928
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.6411%	1,703
Memoranda:
Average total assets	$516,854,500	1,428
Average earning assets	$460,803,500	1,461
Average equity	$63,594,500	1,365
Average total loans	$312,917,000	1,589
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3527%	3,382
Cost of funding earning assets	1.0092%	1,687
Net interest margin	3.3435%	3,888
Noninterest income to average assets	1.0881%	802
Noninterest expense to average assets	2.9241%	2,224
Loan and lease loss provision to assets	0.2624%	687
Net operating income to assets	0.7220%	3,793
Return on assets (ROA)	0.8535%	3,471
Pretax return on assets	1.0362%	3,373
Return on Equity (ROE)	6.9558%	3,557
Retained earnings to average equity (ytd only)	3.5500%	3,223
Net charge-offs to loans	0.2867%	733
Credit loss provision to net charge-offs	152.3702%	1,674
Earnings coverage of net charge-offs (x)	6.6095%	2,963
Efficiency ratio	71.9809%	1,874
Assets per employee ($millions)	3.8984%	4,033
Cash dividends to net income (ytd only)*	48.9638%	2,121
Condition Ratios (%)
Loss allowance to loans	1.1081%	2,907
Loan loss allowance to noncurrent loans	27.8117%	4,462
Noncurrent assets plus other real estate owned to assets	2.7887%	206
Noncurrent loans to loans	3.9843%	172
Net loans and leases to total assets	59.1445%	3,659
Net loans and leases to deposits	78.5285%	2,951
Net loans and leases to core deposits	86.4209%	2,761
Total domestic deposits to total assets	75.3160%	4,673
Equity capital to assets	12.4399%	1,856
Core capital (leverage) ratio	9.4152%	4,151
Tier 1 risk-based capital ratio	14.2453%	3,145
Total risk-based capital ratio	15.2888%	3,158
Memoranda:
Average total assets	$514,486,000	1,389
Average earning assets	$457,669,400	1,438
Average equity	$63,127,400	1,332
Average total loans	$309,074,000	1,571
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4202%	3,283
Cost of funding earning assets	1.0023%	1,755
Net interest margin	3.4179%	3,813
Noninterest income to average assets	1.0913%	769
Noninterest expense to average assets	2.8086%	2,540
Loan and lease loss provision to assets	0.1756%	1,048
Net operating income to assets	0.9012%	3,344
Return on assets (ROA)	0.9051%	3,399
Pretax return on assets	1.1478%	3,143
Return on Equity (ROE)	7.4024%	3,548
Retained earnings to average equity (ytd only)	3.8916%	3,457
Net charge-offs to loans	0.0333%	2,403
Credit loss provision to net charge-offs	876.6234%	402
Earnings coverage of net charge-offs (x)	65.8208%	998
Efficiency ratio	68.0535%	2,413
Assets per employee ($millions)	3.8685%	4,070
Cash dividends to net income (ytd only)*	47.4275%	1,812
Condition Ratios (%)
Loss allowance to loans	1.1691%	2,663
Loan loss allowance to noncurrent loans	62.3332%	3,954
Noncurrent assets plus other real estate owned to assets	1.6515%	623
Noncurrent loans to loans	1.8756%	751
Net loans and leases to total assets	58.2051%	3,864
Net loans and leases to deposits	77.7690%	3,120
Net loans and leases to core deposits	87.5278%	2,778
Total domestic deposits to total assets	74.8436%	4,757
Equity capital to assets	12.4773%	1,927
Core capital (leverage) ratio	9.2369%	4,445
Tier 1 risk-based capital ratio	14.3624%	3,151
Total risk-based capital ratio	15.4666%	3,119
Memoranda:
Average total assets	$512,510,000	1,399
Average earning assets	$455,199,000	1,453
Average equity	$62,663,000	1,331
Average total loans	$308,235,750	1,586
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4231%	3,268
Cost of funding earning assets	0.9323%	1,998
Net interest margin	3.4908%	3,627
Noninterest income to average assets	0.9999%	871
Noninterest expense to average assets	2.8064%	2,565
Loan and lease loss provision to assets	0.1767%	1,016
Net operating income to assets	0.8793%	3,363
Return on assets (ROA)	0.8852%	3,405
Pretax return on assets	1.1224%	3,169
Return on Equity (ROE)	7.2910%	3,571
Retained earnings to average equity (ytd only)	3.5711%	3,463
Net charge-offs to loans	0.0214%	2,420
Credit loss provision to net charge-offs	1,363.6364%	264
Earnings coverage of net charge-offs (x)	99.6667%	700
Efficiency ratio	68.4811%	2,450
Assets per employee ($millions)	3.9558%	3,929
Cash dividends to net income (ytd only)*	51.0204%	1,738
Condition Ratios (%)
Loss allowance to loans	1.0981%	3,076
Loan loss allowance to noncurrent loans	74.7756%	3,747
Noncurrent assets plus other real estate owned to assets	1.4882%	759
Noncurrent loans to loans	1.4685%	1,052
Net loans and leases to total assets	59.8131%	3,751
Net loans and leases to deposits	78.8514%	3,076
Net loans and leases to core deposits	88.9477%	2,706
Total domestic deposits to total assets	75.8555%	4,687
Equity capital to assets	12.3798%	1,921
Core capital (leverage) ratio	9.3190%	4,344
Tier 1 risk-based capital ratio	14.0203%	3,310
Total risk-based capital ratio	15.0612%	3,315
Memoranda:
Average total assets	$509,262,330	1,405
Average earning assets	$451,992,000	1,464
Average equity	$61,829,670	1,335
Average total loans	$308,456,330	1,580
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3663%	3,352
Cost of funding earning assets	0.8913%	2,049
Net interest margin	3.4750%	3,667
Noninterest income to average assets	1.0056%	799
Noninterest expense to average assets	2.8581%	2,391
Loan and lease loss provision to assets	0.1776%	940
Net operating income to assets	0.8443%	3,472
Return on assets (ROA)	0.8564%	3,466
Pretax return on assets	1.0593%	3,268
Return on Equity (ROE)	7.1249%	3,628
Retained earnings to average equity (ytd only)	2.8565%	3,792
Net charge-offs to loans	0.0221%	2,007
Credit loss provision to net charge-offs	1,323.5294%	290
Earnings coverage of net charge-offs (x)	91.0588%	713
Efficiency ratio	70.0522%	2,330
Assets per employee ($millions)	3.7898%	4,208
Cash dividends to net income (ytd only)*	59.9078%	1,357
Condition Ratios (%)
Loss allowance to loans	1.0419%	3,453
Loan loss allowance to noncurrent loans	71.4668%	3,857
Noncurrent assets plus other real estate owned to assets	1.5398%	765
Noncurrent loans to loans	1.4579%	1,107
Net loans and leases to total assets	60.8679%	3,613
Net loans and leases to deposits	79.3203%	2,916
Net loans and leases to core deposits	87.9316%	2,693
Total domestic deposits to total assets	76.7369%	4,682
Equity capital to assets	12.3176%	1,835
Core capital (leverage) ratio	9.1345%	4,538
Tier 1 risk-based capital ratio	14.1443%	3,277
Total risk-based capital ratio	15.1587%	3,308
Memoranda:
Average total assets	$506,768,500	1,417
Average earning assets	$448,344,500	1,481
Average equity	$60,913,000	1,354
Average total loans	$307,182,500	1,599
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4095%	2,729
Cost of funding earning assets	0.7555%	1,757
Net interest margin	3.6541%	3,204
Noninterest income to average assets	1.0016%	936
Noninterest expense to average assets	2.9309%	2,238
Loan and lease loss provision to assets	0.1849%	1,050
Net operating income to assets	0.9021%	3,430
Return on assets (ROA)	0.9050%	3,414
Pretax return on assets	1.1355%	3,153
Return on Equity (ROE)	7.5285%	3,649
Retained earnings to average equity (ytd only)	0.5366%	4,841
Net charge-offs to loans	0.1745%	1,104
Credit loss provision to net charge-offs	184.4864%	1,534
Earnings coverage of net charge-offs (x)	13.1384%	2,484
Efficiency ratio	68.9998%	2,388
Assets per employee ($millions)	4.0100%	3,883
Cash dividends to net income (ytd only)*	92.8721%	384
Condition Ratios (%)
Loss allowance to loans	0.9776%	3,824
Loan loss allowance to noncurrent loans	56.2371%	4,194
Noncurrent assets plus other real estate owned to assets	1.4433%	822
Noncurrent loans to loans	1.7384%	825
Net loans and leases to total assets	59.1617%	3,849
Net loans and leases to deposits	77.0842%	3,271
Net loans and leases to core deposits	83.9980%	3,094
Total domestic deposits to total assets	76.7494%	4,670
Equity capital to assets	11.7297%	2,076
Core capital (leverage) ratio	9.6146%	3,989
Tier 1 risk-based capital ratio	14.0137%	3,282
Total risk-based capital ratio	14.9641%	3,358
Memoranda:
Average total assets	$475,922,200	1,468
Average earning assets	$422,790,200	1,519
Average equity	$57,209,400	1,382
Average total loans	$273,318,400	1,709
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4160%	2,575
Cost of funding earning assets	0.7326%	1,664
Net interest margin	3.6833%	3,077
Noninterest income to average assets	1.0247%	913
Noninterest expense to average assets	2.9805%	2,071
Loan and lease loss provision to assets	0.1886%	950
Net operating income to assets	0.8956%	3,553
Return on assets (ROA)	0.8967%	3,551
Pretax return on assets	1.1342%	3,264
Return on Equity (ROE)	7.4104%	3,785
Retained earnings to average equity (ytd only)	-0.7368%	5,116
Net charge-offs to loans	0.1248%	1,266
Credit loss provision to net charge-offs	266.1290%	1,120
Earnings coverage of net charge-offs (x)	18.6451%	2,039
Efficiency ratio	69.2839%	2,306
Assets per employee ($millions)	3.8353%	4,129
Cash dividends to net income (ytd only)*	109.9426%	188
Condition Ratios (%)
Loss allowance to loans	1.0327%	3,573
Loan loss allowance to noncurrent loans	51.8806%	4,366
Noncurrent assets plus other real estate owned to assets	1.5891%	792
Noncurrent loans to loans	1.9906%	740
Net loans and leases to total assets	57.7956%	4,062
Net loans and leases to deposits	75.3296%	3,475
Net loans and leases to core deposits	80.9056%	3,414
Total domestic deposits to total assets	76.7236%	4,686
Equity capital to assets	11.5407%	2,234
Core capital (leverage) ratio	8.9951%	4,711
Tier 1 risk-based capital ratio	14.5233%	3,116
Total risk-based capital ratio	15.5355%	3,140
Memoranda:
Average total assets	$466,581,500	1,507
Average earning assets	$415,119,000	1,551
Average equity	$56,460,000	1,394
Average total loans	$264,981,500	1,764
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1154%	3,394
Cost of funding earning assets	0.7136%	1,552
Net interest margin	3.4019%	3,947
Noninterest income to average assets	0.9414%	1,076
Noninterest expense to average assets	2.6488%	3,167
Loan and lease loss provision to assets	0.2106%	801
Net operating income to assets	0.8635%	3,612
Return on assets (ROA)	0.8660%	3,600
Pretax return on assets	1.1072%	3,289
Return on Equity (ROE)	7.0375%	3,892
Retained earnings to average equity (ytd only)	3.4724%	3,847
Net charge-offs to loans	0.1381%	1,085
Credit loss provision to net charge-offs	271.1864%	1,086
Earnings coverage of net charge-offs (x)	16.9322%	1,978
Efficiency ratio	66.8290%	2,849
Assets per employee ($millions)	3.9278%	4,023
Cash dividends to net income (ytd only)*	50.6586%	1,642
Condition Ratios (%)
Loss allowance to loans	1.1373%	3,055
Loan loss allowance to noncurrent loans	57.8559%	4,265
Noncurrent assets plus other real estate owned to assets	1.5472%	850
Noncurrent loans to loans	1.9657%	767
Net loans and leases to total assets	54.3529%	4,308
Net loans and leases to deposits	71.6116%	3,740
Net loans and leases to core deposits	77.2268%	3,644
Total domestic deposits to total assets	75.8996%	4,862
Equity capital to assets	12.0924%	1,789
Core capital (leverage) ratio	9.6614%	3,930
Tier 1 risk-based capital ratio	15.2527%	2,754
Total risk-based capital ratio	16.2992%	2,779
Memoranda:
Average total assets	$455,912,000	1,541
Average earning assets	$405,012,000	1,592
Average equity	$56,099,670	1,396
Average total loans	$256,252,000	1,816
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1588%	3,030
Cost of funding earning assets	0.7034%	1,422
Net interest margin	3.4554%	3,691
Noninterest income to average assets	0.9431%	1,039
Noninterest expense to average assets	2.7107%	3,008
Loan and lease loss provision to assets	0.2654%	529
Net operating income to assets	0.8241%	3,614
Return on assets (ROA)	0.8290%	3,606
Pretax return on assets	1.0546%	3,339
Return on Equity (ROE)	6.6778%	3,917
Retained earnings to average equity (ytd only)	3.2926%	3,887
Net charge-offs to loans	0.2273%	663
Credit loss provision to net charge-offs	205.4795%	1,032
Earnings coverage of net charge-offs (x)	10.1712%	1,918
Efficiency ratio	67.3555%	2,943
Assets per employee ($millions)	3.7929%	4,296
Cash dividends to net income (ytd only)*	50.6937%	1,499
Condition Ratios (%)
Loss allowance to loans	1.0818%	3,494
Loan loss allowance to noncurrent loans	70.6684%	4,008
Noncurrent assets plus other real estate owned to assets	1.3559%	1,084
Noncurrent loans to loans	1.5308%	1,144
Net loans and leases to total assets	56.6451%	4,064
Net loans and leases to deposits	71.9745%	3,602
Net loans and leases to core deposits	79.0202%	3,397
Total domestic deposits to total assets	78.7016%	4,627
Equity capital to assets	12.5515%	1,450
Core capital (leverage) ratio	9.5724%	3,992
Tier 1 risk-based capital ratio	15.1429%	2,811
Total risk-based capital ratio	16.1415%	2,857
Memoranda:
Average total assets	$452,127,000	1,564
Average earning assets	$403,192,000	1,607
Average equity	$56,126,500	1,404
Average total loans	$256,971,000	1,812
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9661%	3,518
Cost of funding earning assets	0.6365%	1,376
Net interest margin	3.3297%	4,068
Noninterest income to average assets	0.9832%	1,060
Noninterest expense to average assets	2.5193%	3,714
Loan and lease loss provision to assets	0.2203%	898
Net operating income to assets	0.7937%	3,191
Return on assets (ROA)	0.8132%	3,146
Pretax return on assets	1.2483%	2,562
Return on Equity (ROE)	6.5164%	3,520
Retained earnings to average equity (ytd only)	2.0586%	4,087
Net charge-offs to loans	0.5994%	382
Credit loss provision to net charge-offs	64.1437%	3,174
Earnings coverage of net charge-offs (x)	4.1886%	3,505
Efficiency ratio	63.6515%	3,652
Assets per employee ($millions)	3.9358%	4,068
Cash dividends to net income (ytd only)*	68.4096%	1,360
Condition Ratios (%)
Loss allowance to loans	0.9988%	3,963
Loan loss allowance to noncurrent loans	59.8064%	4,282
Noncurrent assets plus other real estate owned to assets	1.4519%	966
Noncurrent loans to loans	1.6700%	984
Net loans and leases to total assets	55.8595%	4,204
Net loans and leases to deposits	73.8651%	3,528
Net loans and leases to core deposits	80.1560%	3,408
Total domestic deposits to total assets	75.6237%	5,022
Equity capital to assets	12.2813%	1,650
Core capital (leverage) ratio	9.5563%	3,969
Tier 1 risk-based capital ratio	15.2221%	2,731
Total risk-based capital ratio	16.1549%	2,824
Memoranda:
Average total assets	$453,904,800	1,533
Average earning assets	$405,507,000	1,581
Average equity	$56,641,600	1,383
Average total loans	$260,079,000	1,760
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9578%	3,496
Cost of funding earning assets	0.6212%	1,400
Net interest margin	3.3366%	4,056
Noninterest income to average assets	0.9699%	1,094
Noninterest expense to average assets	2.4997%	3,736
Loan and lease loss provision to assets	0.1179%	1,835
Net operating income to assets	0.9168%	2,937
Return on assets (ROA)	0.9410%	2,888
Pretax return on assets	1.3709%	2,212
Return on Equity (ROE)	7.5108%	3,385
Retained earnings to average equity (ytd only)	3.9225%	3,589
Net charge-offs to loans	0.2552%	851
Credit loss provision to net charge-offs	80.3213%	2,578
Earnings coverage of net charge-offs (x)	9.9017%	2,650
Efficiency ratio	63.2289%	3,677
Assets per employee ($millions)	3.9397%	4,092
Cash dividends to net income (ytd only)*	47.7757%	1,877
Condition Ratios (%)
Loss allowance to loans	1.1645%	3,123
Loan loss allowance to noncurrent loans	71.7708%	4,089
Noncurrent assets plus other real estate owned to assets	1.0683%	1,568
Noncurrent loans to loans	1.6225%	1,128
Net loans and leases to total assets	57.2497%	4,134
Net loans and leases to deposits	74.4848%	3,519
Net loans and leases to core deposits	80.5098%	3,412
Total domestic deposits to total assets	76.8609%	4,913
Equity capital to assets	12.7519%	1,513
Core capital (leverage) ratio	9.7226%	3,910
Tier 1 risk-based capital ratio	15.3443%	2,777
Total risk-based capital ratio	16.4439%	2,772
Memoranda:
Average total assets	$452,258,750	1,552
Average earning assets	$404,392,000	1,596
Average equity	$56,663,500	1,399
Average total loans	$260,143,250	1,772
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9414%	3,403
Cost of funding earning assets	0.6074%	1,398
Net interest margin	3.3340%	4,004
Noninterest income to average assets	0.9270%	1,191
Noninterest expense to average assets	2.4753%	3,830
Loan and lease loss provision to assets	0.1106%	1,847
Net operating income to assets	0.9220%	2,796
Return on assets (ROA)	0.9589%	2,673
Pretax return on assets	1.3739%	2,127
Return on Equity (ROE)	7.6990%	3,194
Retained earnings to average equity (ytd only)	4.1462%	3,239
Net charge-offs to loans	0.2136%	955
Credit loss provision to net charge-offs	90.2527%	2,137
Earnings coverage of net charge-offs (x)	11.6823%	2,254
Efficiency ratio	63.3522%	3,783
Assets per employee ($millions)	4.0094%	3,940
Cash dividends to net income (ytd only)*	46.1467%	2,040
Condition Ratios (%)
Loss allowance to loans	1.1948%	3,050
Loan loss allowance to noncurrent loans	66.4048%	4,243
Noncurrent assets plus other real estate owned to assets	1.1745%	1,452
Noncurrent loans to loans	1.7993%	1,004
Net loans and leases to total assets	57.0748%	4,115
Net loans and leases to deposits	74.4423%	3,499
Net loans and leases to core deposits	81.9545%	3,256
Total domestic deposits to total assets	76.6699%	5,006
Equity capital to assets	12.6728%	1,534
Core capital (leverage) ratio	9.8542%	3,710
Tier 1 risk-based capital ratio	15.0998%	2,887
Total risk-based capital ratio	16.2151%	2,876
Memoranda:
Average total assets	$451,989,000	1,557
Average earning assets	$404,021,670	1,601
Average equity	$56,293,000	1,408
Average total loans	$259,379,000	1,768
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8716%	3,500
Cost of funding earning assets	0.6001%	1,372
Net interest margin	3.2716%	4,110
Noninterest income to average assets	1.0588%	897
Noninterest expense to average assets	2.4569%	3,943
Loan and lease loss provision to assets	0.0886%	2,061
Net operating income to assets	0.9931%	2,334
Return on assets (ROA)	1.0482%	2,128
Pretax return on assets	1.5204%	1,472
Return on Equity (ROE)	8.4906%	2,681
Retained earnings to average equity (ytd only)	4.9020%	2,947
Net charge-offs to loans	0.3594%	513
Credit loss provision to net charge-offs	43.1034%	2,042
Earnings coverage of net charge-offs (x)	7.4397%	2,136
Efficiency ratio	61.6359%	4,204
Assets per employee ($millions)	3.9763%	4,056
Cash dividends to net income (ytd only)*	42.2654%	1,926
Condition Ratios (%)
Loss allowance to loans	1.1785%	3,265
Loan loss allowance to noncurrent loans	62.1811%	4,378
Noncurrent assets plus other real estate owned to assets	1.2572%	1,364
Noncurrent loans to loans	1.8952%	957
Net loans and leases to total assets	57.4164%	4,021
Net loans and leases to deposits	72.7477%	3,540
Net loans and leases to core deposits	79.9677%	3,301
Total domestic deposits to total assets	78.9254%	4,836
Equity capital to assets	12.7303%	1,388
Core capital (leverage) ratio	9.6189%	3,965
Tier 1 risk-based capital ratio	15.1635%	2,892
Total risk-based capital ratio	16.2581%	2,890
Memoranda:
Average total assets	$451,454,500	1,565
Average earning assets	$403,965,000	1,614
Average equity	$55,732,000	1,414
Average total loans	$258,214,000	1,782
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8332%	3,798
Cost of funding earning assets	0.6167%	1,228
Net interest margin	3.2165%	4,396
Noninterest income to average assets	0.9477%	1,268
Noninterest expense to average assets	2.4263%	4,220
Loan and lease loss provision to assets	0.1790%	1,342
Net operating income to assets	0.8512%	3,062
Return on assets (ROA)	0.8620%	3,126
Pretax return on assets	1.2377%	2,523
Return on Equity (ROE)	6.9074%	3,518
Retained earnings to average equity (ytd only)	3.5012%	3,438
Net charge-offs to loans	0.3732%	725
Credit loss provision to net charge-offs	85.4701%	2,886
Earnings coverage of net charge-offs (x)	6.6912%	3,134
Efficiency ratio	63.3914%	4,043
Assets per employee ($millions)	4.1209%	3,747
Cash dividends to net income (ytd only)*	49.3122%	2,345
Condition Ratios (%)
Loss allowance to loans	1.2131%	3,041
Loan loss allowance to noncurrent loans	57.7550%	4,503
Noncurrent assets plus other real estate owned to assets	1.3089%	1,339
Noncurrent loans to loans	2.1005%	836
Net loans and leases to total assets	55.6471%	4,299
Net loans and leases to deposits	73.5981%	3,553
Net loans and leases to core deposits	81.0487%	3,306
Total domestic deposits to total assets	75.6095%	5,281
Equity capital to assets	11.9765%	1,824
Core capital (leverage) ratio	9.1671%	4,529
Tier 1 risk-based capital ratio	14.5099%	3,193
Total risk-based capital ratio	15.6397%	3,175
Memoranda:
Average total assets	$446,969,800	1,520
Average earning assets	$400,185,200	1,563
Average equity	$55,780,400	1,376
Average total loans	$250,811,800	1,788
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8379%	3,806
Cost of funding earning assets	0.6196%	1,208
Net interest margin	3.2183%	4,433
Noninterest income to average assets	0.9215%	1,342
Noninterest expense to average assets	2.4325%	4,185
Loan and lease loss provision to assets	0.2406%	795
Net operating income to assets	0.7981%	3,372
Return on assets (ROA)	0.8126%	3,445
Pretax return on assets	1.1528%	3,033
Return on Equity (ROE)	6.4440%	3,863
Retained earnings to average equity (ytd only)	3.2244%	3,982
Net charge-offs to loans	0.4845%	438
Credit loss provision to net charge-offs	88.5936%	2,553
Earnings coverage of net charge-offs (x)	5.0543%	3,181
Efficiency ratio	63.9267%	3,945
Assets per employee ($millions)	3.9953%	3,978
Cash dividends to net income (ytd only)*	49.9631%	1,884
Condition Ratios (%)
Loss allowance to loans	1.2567%	2,916
Loan loss allowance to noncurrent loans	48.4126%	4,777
Noncurrent assets plus other real estate owned to assets	1.5815%	1,107
Noncurrent loans to loans	2.5959%	658
Net loans and leases to total assets	55.4648%	4,363
Net loans and leases to deposits	71.4213%	3,849
Net loans and leases to core deposits	78.6719%	3,592
Total domestic deposits to total assets	77.6586%	4,972
Equity capital to assets	12.5930%	1,719
Core capital (leverage) ratio	9.4614%	4,234
Tier 1 risk-based capital ratio	14.1210%	3,492
Total risk-based capital ratio	15.2178%	3,497
Memoranda:
Average total assets	$443,326,250	1,531
Average earning assets	$397,223,500	1,580
Average equity	$55,906,250	1,381
Average total loans	$248,517,250	1,802
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8069%	3,931
Cost of funding earning assets	0.6154%	1,222
Net interest margin	3.1915%	4,567
Noninterest income to average assets	0.9319%	1,283
Noninterest expense to average assets	2.4525%	4,171
Loan and lease loss provision to assets	0.2723%	681
Net operating income to assets	0.7627%	3,492
Return on assets (ROA)	0.7853%	3,529
Pretax return on assets	1.0962%	3,212
Return on Equity (ROE)	6.2241%	3,949
Retained earnings to average equity (ytd only)	3.0761%	3,951
Net charge-offs to loans	0.5121%	423
Credit loss provision to net charge-offs	94.9367%	2,185
Earnings coverage of net charge-offs (x)	4.6614%	2,964
Efficiency ratio	64.7143%	3,897
Assets per employee ($millions)	4.0541%	3,811
Cash dividends to net income (ytd only)*	50.5780%	1,937
Condition Ratios (%)
Loss allowance to loans	1.3303%	2,619
Loan loss allowance to noncurrent loans	54.5912%	4,703
Noncurrent assets plus other real estate owned to assets	1.4385%	1,350
Noncurrent loans to loans	2.4369%	734
Net loans and leases to total assets	54.1857%	4,492
Net loans and leases to deposits	71.7365%	3,811
Net loans and leases to core deposits	79.6422%	3,496
Total domestic deposits to total assets	75.5344%	5,349
Equity capital to assets	12.6329%	1,699
Core capital (leverage) ratio	9.4329%	4,292
Tier 1 risk-based capital ratio	14.1931%	3,498
Total risk-based capital ratio	15.3500%	3,463
Memoranda:
Average total assets	$440,611,000	1,539
Average earning assets	$394,551,000	1,595
Average equity	$55,590,330	1,392
Average total loans	$246,824,670	1,812
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8268%	3,851
Cost of funding earning assets	0.6060%	1,299
Net interest margin	3.2208%	4,509
Noninterest income to average assets	0.9727%	1,143
Noninterest expense to average assets	2.4880%	4,105
Loan and lease loss provision to assets	0.2512%	700
Net operating income to assets	0.7973%	3,265
Return on assets (ROA)	0.8038%	3,339
Pretax return on assets	1.1262%	2,988
Return on Equity (ROE)	6.3748%	3,789
Retained earnings to average equity (ytd only)	3.2961%	3,845
Net charge-offs to loans	0.4907%	455
Credit loss provision to net charge-offs	90.4605%	1,762
Earnings coverage of net charge-offs (x)	4.9276%	2,379
Efficiency ratio	64.5192%	4,039
Assets per employee ($millions)	3.8426%	4,222
Cash dividends to net income (ytd only)*	48.2955%	1,814
Condition Ratios (%)
Loss allowance to loans	1.3238%	2,779
Loan loss allowance to noncurrent loans	49.3642%	4,845
Noncurrent assets plus other real estate owned to assets	1.6737%	1,170
Noncurrent loans to loans	2.6817%	667
Net loans and leases to total assets	56.4809%	4,200
Net loans and leases to deposits	73.5601%	3,496
Net loans and leases to core deposits	80.1415%	3,303
Total domestic deposits to total assets	76.7819%	5,322
Equity capital to assets	12.9304%	1,444
Core capital (leverage) ratio	9.5178%	4,167
Tier 1 risk-based capital ratio	14.4980%	3,397
Total risk-based capital ratio	15.6750%	3,368
Memoranda:
Average total assets	$437,942,500	1,553
Average earning assets	$392,073,500	1,599
Average equity	$55,217,500	1,397
Average total loans	$247,788,000	1,812
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8256%	3,962
Cost of funding earning assets	0.6033%	1,340
Net interest margin	3.2223%	4,550
Noninterest income to average assets	0.7354%	2,040
Noninterest expense to average assets	2.2531%	4,915
Loan and lease loss provision to assets	0.1498%	1,571
Net operating income to assets	0.8519%	3,106
Return on assets (ROA)	0.8910%	3,001
Pretax return on assets	1.2642%	2,416
Return on Equity (ROE)	7.0985%	3,462
Retained earnings to average equity (ytd only)	1.9586%	4,612
Net charge-offs to loans	0.1966%	1,487
Credit loss provision to net charge-offs	138.0042%	1,898
Earnings coverage of net charge-offs (x)	12.5159%	2,459
Efficiency ratio	62.3899%	4,547
Assets per employee ($millions)	5.2413%	2,071
Cash dividends to net income (ytd only)*	72.4076%	1,147
Condition Ratios (%)
Loss allowance to loans	1.3200%	2,792
Loan loss allowance to noncurrent loans	65.9054%	4,488
Noncurrent assets plus other real estate owned to assets	1.2545%	1,706
Noncurrent loans to loans	2.0029%	1,041
Net loans and leases to total assets	55.2053%	4,362
Net loans and leases to deposits	72.7800%	3,639
Net loans and leases to core deposits	78.9874%	3,445
Total domestic deposits to total assets	75.8523%	5,459
Equity capital to assets	12.2973%	1,743
Core capital (leverage) ratio	9.3685%	4,373
Tier 1 risk-based capital ratio	14.1723%	3,622
Total risk-based capital ratio	15.3413%	3,583
Memoranda:
Average total assets	$434,022,000	1,533
Average earning assets	$387,368,000	1,576
Average equity	$54,476,400	1,372
Average total loans	$239,515,800	1,804
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8264%	4,010
Cost of funding earning assets	0.5997%	1,406
Net interest margin	3.2267%	4,589
Noninterest income to average assets	0.7456%	2,045
Noninterest expense to average assets	2.2340%	4,955
Loan and lease loss provision to assets	0.1546%	1,404
Net operating income to assets	0.8679%	3,094
Return on assets (ROA)	0.9203%	2,948
Pretax return on assets	1.3103%	2,354
Return on Equity (ROE)	7.2941%	3,473
Retained earnings to average equity (ytd only)	1.9019%	4,934
Net charge-offs to loans	0.0517%	2,867
Credit loss provision to net charge-offs	543.4783%	609
Earnings coverage of net charge-offs (x)	48.8601%	1,074
Efficiency ratio	61.6435%	4,621
Assets per employee ($millions)	4.8610%	2,469
Cash dividends to net income (ytd only)*	73.9247%	894
Condition Ratios (%)
Loss allowance to loans	1.4579%	2,338
Loan loss allowance to noncurrent loans	357.6220%	1,374
Noncurrent assets plus other real estate owned to assets	0.3342%	4,432
Noncurrent loans to loans	0.4077%	4,148
Net loans and leases to total assets	54.3667%	4,527
Net loans and leases to deposits	69.9474%	3,993
Net loans and leases to core deposits	76.3907%	3,757
Total domestic deposits to total assets	77.7251%	5,231
Equity capital to assets	12.4720%	1,759
Core capital (leverage) ratio	9.2266%	4,693
Tier 1 risk-based capital ratio	14.1632%	3,754
Total risk-based capital ratio	15.4171%	3,686
Memoranda:
Average total assets	$431,149,250	1,555
Average earning assets	$384,618,250	1,599
Average equity	$54,399,000	1,383
Average total loans	$237,085,500	1,825
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8024%	4,059
Cost of funding earning assets	0.5941%	1,456
Net interest margin	3.2083%	4,634
Noninterest income to average assets	0.6983%	2,222
Noninterest expense to average assets	2.2161%	5,065
Loan and lease loss provision to assets	0.1632%	1,297
Net operating income to assets	0.8295%	3,218
Return on assets (ROA)	0.9020%	2,987
Pretax return on assets	1.2782%	2,444
Return on Equity (ROE)	7.1213%	3,539
Retained earnings to average equity (ytd only)	2.7050%	4,339
Net charge-offs to loans	0.0704%	2,384
Credit loss provision to net charge-offs	421.6867%	712
Earnings coverage of net charge-offs (x)	34.6145%	1,240
Efficiency ratio	62.3312%	4,629
Assets per employee ($millions)	4.5748%	2,863
Cash dividends to net income (ytd only)*	62.0155%	1,465
Condition Ratios (%)
Loss allowance to loans	1.4239%	2,645
Loan loss allowance to noncurrent loans	112.3752%	3,435
Noncurrent assets plus other real estate owned to assets	0.8240%	2,913
Noncurrent loans to loans	1.2670%	2,125
Net loans and leases to total assets	53.8110%	4,575
Net loans and leases to deposits	70.3058%	3,897
Net loans and leases to core deposits	76.9993%	3,667
Total domestic deposits to total assets	76.5385%	5,528
Equity capital to assets	12.5060%	1,651
Core capital (leverage) ratio	9.5576%	4,196
Tier 1 risk-based capital ratio	14.5514%	3,606
Total risk-based capital ratio	15.8013%	3,532
Memoranda:
Average total assets	$429,035,000	1,570
Average earning assets	$382,070,330	1,616
Average equity	$54,344,000	1,389
Average total loans	$235,657,670	1,835
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7798%	4,090
Cost of funding earning assets	0.5846%	1,546
Net interest margin	3.1952%	4,631
Noninterest income to average assets	0.7517%	1,910
Noninterest expense to average assets	2.2147%	5,105
Loan and lease loss provision to assets	0.1877%	1,005
Net operating income to assets	0.8304%	3,111
Return on assets (ROA)	0.9703%	2,525
Pretax return on assets	1.3907%	1,923
Return on Equity (ROE)	7.6113%	3,159
Retained earnings to average equity (ytd only)	2.6426%	4,363
Net charge-offs to loans	0.0426%	2,383
Credit loss provision to net charge-offs	800.0000%	387
Earnings coverage of net charge-offs (x)	58.7600%	749
Efficiency ratio	61.6349%	4,856
Assets per employee ($millions)	4.3132%	3,348
Cash dividends to net income (ytd only)*	65.2805%	1,288
Condition Ratios (%)
Loss allowance to loans	1.4059%	2,886
Loan loss allowance to noncurrent loans	128.7113%	3,103
Noncurrent assets plus other real estate owned to assets	0.7176%	3,345
Noncurrent loans to loans	1.0923%	2,579
Net loans and leases to total assets	53.9654%	4,450
Net loans and leases to deposits	70.2956%	3,722
Net loans and leases to core deposits	75.6754%	3,625
Total domestic deposits to total assets	76.7692%	5,650
Equity capital to assets	12.7761%	1,524
Core capital (leverage) ratio	9.6223%	4,123
Tier 1 risk-based capital ratio	14.8532%	3,507
Total risk-based capital ratio	16.0877%	3,460
Memoranda:
Average total assets	$426,249,500	1,588
Average earning assets	$379,072,500	1,632
Average equity	$54,340,000	1,403
Average total loans	$234,864,500	1,838
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9450%	3,944
Cost of funding earning assets	0.6118%	1,668
Net interest margin	3.3332%	4,464
Noninterest income to average assets	0.7366%	2,139
Noninterest expense to average assets	2.2485%	5,247
Loan and lease loss provision to assets	0.1547%	1,696
Net operating income to assets	0.9956%	2,403
Return on assets (ROA)	1.0180%	2,380
Pretax return on assets	1.3208%	2,174
Return on Equity (ROE)	8.1714%	3,039
Retained earnings to average equity (ytd only)	4.4928%	2,977
Net charge-offs to loans	0.1820%	2,209
Credit loss provision to net charge-offs	157.0048%	1,547
Earnings coverage of net charge-offs (x)	14.6763%	2,140
Efficiency ratio	60.8530%	5,099
Assets per employee ($millions)	4.3418%	3,282
Cash dividends to net income (ytd only)*	45.0187%	2,568
Condition Ratios (%)
Loss allowance to loans	1.3182%	3,326
Loan loss allowance to noncurrent loans	100.8755%	3,692
Noncurrent assets plus other real estate owned to assets	0.8449%	3,097
Noncurrent loans to loans	1.3067%	2,261
Net loans and leases to total assets	54.7357%	4,486
Net loans and leases to deposits	70.1467%	3,892
Net loans and leases to core deposits	75.6726%	3,746
Total domestic deposits to total assets	78.0304%	5,434
Equity capital to assets	12.7206%	1,522
Core capital (leverage) ratio	9.6174%	4,073
Tier 1 risk-based capital ratio	14.8875%	3,548
Total risk-based capital ratio	16.0574%	3,529
Memoranda:
Average total assets	$420,056,600	1,580
Average earning assets	$372,826,200	1,621
Average equity	$52,328,600	1,397
Average total loans	$227,482,600	1,843
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9494%	3,967
Cost of funding earning assets	0.6152%	1,720
Net interest margin	3.3342%	4,493
Noninterest income to average assets	0.6846%	2,406
Noninterest expense to average assets	2.2243%	5,304
Loan and lease loss provision to assets	0.1433%	1,752
Net operating income to assets	0.9211%	2,816
Return on assets (ROA)	0.9298%	2,869
Pretax return on assets	1.2922%	2,404
Return on Equity (ROE)	7.5044%	3,440
Retained earnings to average equity (ytd only)	4.1634%	3,689
Net charge-offs to loans	0.0609%	3,339
Credit loss provision to net charge-offs	436.8932%	648
Earnings coverage of net charge-offs (x)	43.3980%	1,071
Efficiency ratio	60.9777%	5,043
Assets per employee ($millions)	4.3491%	3,212
Cash dividends to net income (ytd only)*	44.5205%	2,124
Condition Ratios (%)
Loss allowance to loans	1.4113%	3,121
Loan loss allowance to noncurrent loans	485.2410%	995
Noncurrent assets plus other real estate owned to assets	0.2844%	5,133
Noncurrent loans to loans	0.2909%	5,040
Net loans and leases to total assets	54.4747%	4,519
Net loans and leases to deposits	69.9001%	3,928
Net loans and leases to core deposits	74.7998%	3,868
Total domestic deposits to total assets	77.9322%	5,550
Equity capital to assets	12.8526%	1,501
Core capital (leverage) ratio	9.5699%	4,281
Tier 1 risk-based capital ratio	14.9245%	3,632
Total risk-based capital ratio	16.1619%	3,568
Memoranda:
Average total assets	$418,697,750	1,597
Average earning assets	$372,095,000	1,634
Average equity	$51,879,500	1,416
Average total loans	$225,351,500	1,867
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9212%	4,049
Cost of funding earning assets	0.6218%	1,721
Net interest margin	3.2994%	4,587
Noninterest income to average assets	0.6492%	2,549
Noninterest expense to average assets	2.2152%	5,373
Loan and lease loss provision to assets	0.1427%	1,734
Net operating income to assets	0.8425%	3,115
Return on assets (ROA)	0.8546%	3,150
Pretax return on assets	1.2360%	2,518
Return on Equity (ROE)	6.9825%	3,631
Retained earnings to average equity (ytd only)	3.5826%	3,912
Net charge-offs to loans	0.0927%	2,758
Credit loss provision to net charge-offs	288.4615%	886
Earnings coverage of net charge-offs (x)	27.5192%	1,340
Efficiency ratio	61.9415%	5,018
Assets per employee ($millions)	4.3959%	3,095
Cash dividends to net income (ytd only)*	48.6923%	1,984
Condition Ratios (%)
Loss allowance to loans	1.3686%	3,492
Loan loss allowance to noncurrent loans	433.7571%	1,062
Noncurrent assets plus other real estate owned to assets	0.2889%	5,212
Noncurrent loans to loans	0.3155%	5,065
Net loans and leases to total assets	52.4438%	4,702
Net loans and leases to deposits	67.6630%	4,085
Net loans and leases to core deposits	72.3599%	4,010
Total domestic deposits to total assets	77.5073%	5,719
Equity capital to assets	12.4286%	1,695
Core capital (leverage) ratio	9.3053%	4,582
Tier 1 risk-based capital ratio	14.8619%	3,714
Total risk-based capital ratio	16.0579%	3,693
Memoranda:
Average total assets	$420,541,000	1,586
Average earning assets	$373,100,330	1,629
Average equity	$51,471,670	1,415
Average total loans	$224,370,670	1,871
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8384%	4,329
Cost of funding earning assets	0.6370%	1,673
Net interest margin	3.2014%	4,916
Noninterest income to average assets	0.6584%	2,410
Noninterest expense to average assets	2.2039%	5,454
Loan and lease loss provision to assets	0.1429%	1,704
Net operating income to assets	0.7927%	3,189
Return on assets (ROA)	0.7927%	3,262
Pretax return on assets	1.1462%	2,713
Return on Equity (ROE)	6.5277%	3,730
Retained earnings to average equity (ytd only)	3.7817%	3,859
Net charge-offs to loans	-0.0107%	5,078
Credit loss provision to net charge-offs	-2,500.0000%	5,508
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	63.0933%	4,990
Assets per employee ($millions)	4.4078%	3,139
Cash dividends to net income (ytd only)*	42.0673%	1,927
Condition Ratios (%)
Loss allowance to loans	1.3548%	3,824
Loan loss allowance to noncurrent loans	312.7967%	1,430
Noncurrent assets plus other real estate owned to assets	0.2916%	5,290
Noncurrent loans to loans	0.4331%	4,847
Net loans and leases to total assets	52.1542%	4,653
Net loans and leases to deposits	65.1426%	4,185
Net loans and leases to core deposits	69.7547%	4,123
Total domestic deposits to total assets	80.0616%	5,471
Equity capital to assets	12.1294%	1,781
Core capital (leverage) ratio	9.0191%	4,981
Tier 1 risk-based capital ratio	14.6849%	3,897
Total risk-based capital ratio	15.8648%	3,887
Memoranda:
Average total assets	$419,809,500	1,598
Average earning assets	$371,718,000	1,641
Average equity	$50,983,000	1,420
Average total loans	$224,363,000	1,869
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8831%	4,528
Cost of funding earning assets	0.6600%	2,124
Net interest margin	3.2231%	4,919
Noninterest income to average assets	0.8027%	2,072
Noninterest expense to average assets	2.1658%	5,703
Loan and lease loss provision to assets	0.1975%	1,876
Net operating income to assets	0.8725%	2,916
Return on assets (ROA)	0.9047%	2,839
Pretax return on assets	1.3246%	2,057
Return on Equity (ROE)	7.2802%	3,415
Retained earnings to average equity (ytd only)	2.2149%	4,671
Net charge-offs to loans	0.5384%	1,227
Credit loss provision to net charge-offs	68.6106%	3,342
Earnings coverage of net charge-offs (x)	5.1235%	3,375
Efficiency ratio	59.4928%	5,541
Assets per employee ($millions)	4.3382%	3,201
Cash dividends to net income (ytd only)*	69.5771%	1,327
Condition Ratios (%)
Loss allowance to loans	1.2778%	4,256
Loan loss allowance to noncurrent loans	171.6418%	2,366
Noncurrent assets plus other real estate owned to assets	0.4958%	4,750
Noncurrent loans to loans	0.7444%	4,100
Net loans and leases to total assets	53.3364%	4,673
Net loans and leases to deposits	68.1119%	4,039
Net loans and leases to core deposits	73.0007%	3,947
Total domestic deposits to total assets	78.3070%	5,776
Equity capital to assets	12.1595%	1,708
Core capital (leverage) ratio	9.1426%	4,794
Tier 1 risk-based capital ratio	14.6193%	3,888
Total risk-based capital ratio	15.7480%	3,891
Memoranda:
Average total assets	$405,108,000	1,629
Average earning assets	$356,671,400	1,688
Average equity	$50,341,800	1,411
Average total loans	$216,558,000	1,889
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8599%	4,642
Cost of funding earning assets	0.6543%	2,327
Net interest margin	3.2055%	4,981
Noninterest income to average assets	0.6970%	2,629
Noninterest expense to average assets	2.1600%	5,702
Loan and lease loss provision to assets	0.0994%	3,101
Net operating income to assets	0.8616%	3,041
Return on assets (ROA)	0.8999%	2,951
Pretax return on assets	1.3175%	2,270
Return on Equity (ROE)	7.2013%	3,537
Retained earnings to average equity (ytd only)	0.4376%	5,795
Net charge-offs to loans	0.4004%	1,600
Credit loss provision to net charge-offs	46.5839%	3,585
Earnings coverage of net charge-offs (x)	6.3742%	2,989
Efficiency ratio	61.3538%	5,220
Assets per employee ($millions)	4.2417%	3,348
Cash dividends to net income (ytd only)*	93.9228%	496
Condition Ratios (%)
Loss allowance to loans	1.3304%	4,238
Loan loss allowance to noncurrent loans	332.2248%	1,261
Noncurrent assets plus other real estate owned to assets	0.3461%	5,367
Noncurrent loans to loans	0.4004%	5,192
Net loans and leases to total assets	52.2207%	4,851
Net loans and leases to deposits	65.9278%	4,316
Net loans and leases to core deposits	71.0742%	4,203
Total domestic deposits to total assets	79.2089%	5,697
Equity capital to assets	12.0157%	1,908
Core capital (leverage) ratio	9.2985%	4,694
Tier 1 risk-based capital ratio	14.5413%	4,051
Total risk-based capital ratio	15.7022%	4,066
Memoranda:
Average total assets	$402,268,500	1,651
Average earning assets	$354,339,750	1,706
Average equity	$50,267,250	1,422
Average total loans	$214,446,750	1,904
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8690%	4,594
Cost of funding earning assets	0.6495%	2,502
Net interest margin	3.2195%	4,875
Noninterest income to average assets	0.6628%	2,843
Noninterest expense to average assets	2.2009%	5,628
Loan and lease loss provision to assets	0.0751%	3,544
Net operating income to assets	0.8315%	3,143
Return on assets (ROA)	0.8898%	2,995
Pretax return on assets	1.3036%	2,290
Return on Equity (ROE)	7.0276%	3,582
Retained earnings to average equity (ytd only)	-0.0950%	5,873
Net charge-offs to loans	0.2906%	2,028
Credit loss provision to net charge-offs	48.3871%	3,245
Earnings coverage of net charge-offs (x)	8.3258%	2,415
Efficiency ratio	62.9911%	5,019
Assets per employee ($millions)	4.2352%	3,280
Cash dividends to net income (ytd only)*	101.3514%	500
Condition Ratios (%)
Loss allowance to loans	1.4682%	3,729
Loan loss allowance to noncurrent loans	242.7896%	1,670
Noncurrent assets plus other real estate owned to assets	0.4999%	5,017
Noncurrent loans to loans	0.6047%	4,744
Net loans and leases to total assets	52.4960%	4,796
Net loans and leases to deposits	67.1241%	4,130
Net loans and leases to core deposits	71.1934%	4,148
Total domestic deposits to total assets	78.2074%	5,946
Equity capital to assets	12.5640%	1,537
Core capital (leverage) ratio	9.6613%	3,996
Tier 1 risk-based capital ratio	15.1540%	3,675
Total risk-based capital ratio	16.4042%	3,640
Memoranda:
Average total assets	$399,209,330	1,659
Average earning assets	$351,051,000	1,720
Average equity	$50,543,670	1,413
Average total loans	$213,343,330	1,911
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9059%	4,450
Cost of funding earning assets	0.6695%	2,484
Net interest margin	3.2364%	4,771
Noninterest income to average assets	0.6529%	2,859
Noninterest expense to average assets	2.1489%	5,807
Loan and lease loss provision to assets	0.0000%	4,409
Net operating income to assets	0.9054%	2,623
Return on assets (ROA)	0.9655%	2,506
Pretax return on assets	1.4373%	1,750
Return on Equity (ROE)	7.5970%	3,164
Retained earnings to average equity (ytd only)	-0.2350%	5,824
Net charge-offs to loans	0.0986%	2,869
Credit loss provision to net charge-offs	0.0000%	3,239
Earnings coverage of net charge-offs (x)	25.5472%	1,048
Efficiency ratio	61.4574%	5,380
Assets per employee ($millions)	4.3022%	3,334
Cash dividends to net income (ytd only)*	103.0928%	617
Condition Ratios (%)
Loss allowance to loans	1.5600%	3,573
Loan loss allowance to noncurrent loans	751.8868%	603
Noncurrent assets plus other real estate owned to assets	0.3249%	5,611
Noncurrent loans to loans	0.2075%	5,887
Net loans and leases to total assets	51.3839%	4,784
Net loans and leases to deposits	63.4587%	4,372
Net loans and leases to core deposits	66.2177%	4,504
Total domestic deposits to total assets	80.9722%	5,505
Equity capital to assets	13.0231%	1,421
Core capital (leverage) ratio	9.3041%	4,393
Tier 1 risk-based capital ratio	15.7389%	3,408
Total risk-based capital ratio	16.9905%	3,363
Memoranda:
Average total assets	$401,878,000	1,663
Average earning assets	$353,103,500	1,724
Average equity	$51,072,500	1,422
Average total loans	$215,091,000	1,910
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0887%	4,988
Cost of funding earning assets	0.8373%	2,377
Net interest margin	3.2514%	5,424
Noninterest income to average assets	0.7358%	2,561
Noninterest expense to average assets	2.1551%	6,011
Loan and lease loss provision to assets	0.1789%	3,390
Net operating income to assets	0.8493%	3,051
Return on assets (ROA)	0.9577%	2,759
Pretax return on assets	1.4363%	1,917
Return on Equity (ROE)	8.0014%	3,077
Retained earnings to average equity (ytd only)	2.5695%	4,415
Net charge-offs to loans	0.3495%	2,886
Credit loss provision to net charge-offs	99.2063%	3,124
Earnings coverage of net charge-offs (x)	8.0582%	2,480
Efficiency ratio	59.7223%	5,587
Assets per employee ($millions)	4.3857%	3,179
Cash dividends to net income (ytd only)*	67.8874%	1,453
Condition Ratios (%)
Loss allowance to loans	1.4352%	3,996
Loan loss allowance to noncurrent loans	373.8178%	1,058
Noncurrent assets plus other real estate owned to assets	0.4521%	5,351
Noncurrent loans to loans	0.3839%	5,535
Net loans and leases to total assets	53.9919%	4,619
Net loans and leases to deposits	71.6732%	3,463
Net loans and leases to core deposits	76.3972%	3,478
Total domestic deposits to total assets	75.3306%	6,421
Equity capital to assets	12.4096%	1,775
Core capital (leverage) ratio	9.1863%	4,606
Tier 1 risk-based capital ratio	14.7015%	3,894
Total risk-based capital ratio	15.9521%	3,851
Memoranda:
Average total assets	$419,138,000	1,565
Average earning assets	$370,337,200	1,612
Average equity	$50,166,000	1,416
Average total loans	$216,280,600	1,870
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1064%	5,165
Cost of funding earning assets	0.8674%	2,408
Net interest margin	3.2390%	5,586
Noninterest income to average assets	0.6910%	2,750
Noninterest expense to average assets	2.1549%	6,051
Loan and lease loss provision to assets	0.1901%	3,211
Net operating income to assets	0.8146%	3,374
Return on assets (ROA)	0.9583%	2,930
Pretax return on assets	1.4329%	2,135
Return on Equity (ROE)	8.0798%	3,250
Retained earnings to average equity (ytd only)	1.4691%	5,596
Net charge-offs to loans	0.4245%	2,392
Credit loss provision to net charge-offs	88.1057%	3,357
Earnings coverage of net charge-offs (x)	6.5286%	2,769
Efficiency ratio	60.4730%	5,421
Assets per employee ($millions)	4.5623%	2,805
Cash dividends to net income (ytd only)*	81.8183%	606
Condition Ratios (%)
Loss allowance to loans	1.4333%	4,228
Loan loss allowance to noncurrent loans	385.6273%	974
Noncurrent assets plus other real estate owned to assets	0.4629%	5,507
Noncurrent loans to loans	0.3717%	5,734
Net loans and leases to total assets	51.3140%	5,142
Net loans and leases to deposits	65.0439%	4,587
Net loans and leases to core deposits	69.6040%	4,548
Total domestic deposits to total assets	78.8913%	5,897
Equity capital to assets	11.9376%	2,317
Core capital (leverage) ratio	8.8284%	5,298
Tier 1 risk-based capital ratio	14.4276%	4,231
Total risk-based capital ratio	15.6782%	4,202
Memoranda:
Average total assets	$420,857,500	1,580
Average earning assets	$373,228,000	1,617
Average equity	$49,917,500	1,432
Average total loans	$213,893,750	1,915
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1276%	5,210
Cost of funding earning assets	0.9059%	2,351
Net interest margin	3.2217%	5,670
Noninterest income to average assets	0.6647%	2,867
Noninterest expense to average assets	2.1405%	6,154
Loan and lease loss provision to assets	0.2144%	2,927
Net operating income to assets	0.7713%	3,506
Return on assets (ROA)	0.9587%	2,867
Pretax return on assets	1.4400%	2,050
Return on Equity (ROE)	8.1009%	3,213
Retained earnings to average equity (ytd only)	2.6654%	4,850
Net charge-offs to loans	0.5861%	1,854
Credit loss provision to net charge-offs	72.5806%	3,502
Earnings coverage of net charge-offs (x)	4.6532%	3,026
Efficiency ratio	60.8920%	5,435
Assets per employee ($millions)	4.6596%	2,624
Cash dividends to net income (ytd only)*	67.0974%	1,159
Condition Ratios (%)
Loss allowance to loans	1.4279%	4,355
Loan loss allowance to noncurrent loans	393.9821%	924
Noncurrent assets plus other real estate owned to assets	0.4686%	5,592
Noncurrent loans to loans	0.3624%	5,820
Net loans and leases to total assets	50.6516%	5,271
Net loans and leases to deposits	66.7382%	4,408
Net loans and leases to core deposits	71.4125%	4,366
Total domestic deposits to total assets	75.8959%	6,478
Equity capital to assets	11.9739%	2,169
Core capital (leverage) ratio	8.7632%	5,277
Tier 1 risk-based capital ratio	14.2797%	4,253
Total risk-based capital ratio	15.5177%	4,218
Memoranda:
Average total assets	$419,713,330	1,583
Average earning assets	$371,353,670	1,633
Average equity	$49,673,330	1,433
Average total loans	$211,563,000	1,933
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1616%	5,238
Cost of funding earning assets	0.9697%	2,157
Net interest margin	3.1919%	5,802
Noninterest income to average assets	0.7183%	2,562
Noninterest expense to average assets	2.2215%	5,993
Loan and lease loss provision to assets	0.2858%	2,179
Net operating income to assets	0.6858%	3,954
Return on assets (ROA)	0.9260%	3,013
Pretax return on assets	1.3937%	2,211
Return on Equity (ROE)	7.8700%	3,339
Retained earnings to average equity (ytd only)	4.2265%	4,055
Net charge-offs to loans	0.7595%	1,345
Credit loss provision to net charge-offs	75.3769%	2,812
Earnings coverage of net charge-offs (x)	3.4698%	2,827
Efficiency ratio	62.8064%	5,136
Assets per employee ($millions)	4.6901%	2,675
Cash dividends to net income (ytd only)*	46.2963%	1,572
Condition Ratios (%)
Loss allowance to loans	1.5188%	4,070
Loan loss allowance to noncurrent loans	325.6463%	1,021
Noncurrent assets plus other real estate owned to assets	0.5904%	5,419
Noncurrent loans to loans	0.4664%	5,741
Net loans and leases to total assets	48.3736%	5,506
Net loans and leases to deposits	61.7332%	4,956
Net loans and leases to core deposits	65.8773%	4,927
Total domestic deposits to total assets	78.3592%	6,216
Equity capital to assets	11.8906%	2,118
Core capital (leverage) ratio	8.6172%	5,418
Tier 1 risk-based capital ratio	14.4546%	4,143
Total risk-based capital ratio	15.7047%	4,104
Memoranda:
Average total assets	$419,889,500	1,585
Average earning assets	$370,817,500	1,636
Average equity	$49,403,000	1,433
Average total loans	$209,599,500	1,951
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6074%	4,649
Cost of funding earning assets	1.2207%	1,894
Net interest margin	3.3867%	5,525
Noninterest income to average assets	0.8007%	2,054
Noninterest expense to average assets	2.2777%	6,092
Loan and lease loss provision to assets	0.3549%	2,874
Net operating income to assets	0.7865%	3,104
Return on assets (ROA)	0.8861%	2,796
Pretax return on assets	1.2976%	2,142
Return on Equity (ROE)	7.7191%	3,046
Retained earnings to average equity (ytd only)	5.2325%	2,491
Net charge-offs to loans	1.0006%	1,734
Credit loss provision to net charge-offs	68.4866%	4,908
Earnings coverage of net charge-offs (x)	2.9061%	3,754
Efficiency ratio	60.1968%	5,726
Assets per employee ($millions)	4.6930%	2,613
Cash dividends to net income (ytd only)*	32.2129%	3,016
Condition Ratios (%)
Loss allowance to loans	1.5326%	3,872
Loan loss allowance to noncurrent loans	260.3849%	1,266
Noncurrent assets plus other real estate owned to assets	0.7594%	5,126
Noncurrent loans to loans	0.5886%	5,538
Net loans and leases to total assets	49.9470%	5,590
Net loans and leases to deposits	66.8017%	4,624
Net loans and leases to core deposits	73.0680%	4,373
Total domestic deposits to total assets	74.7690%	6,635
Equity capital to assets	11.6395%	2,394
Core capital (leverage) ratio	8.4950%	5,569
Tier 1 risk-based capital ratio	13.4380%	4,744
Total risk-based capital ratio	14.6886%	4,706
Memoranda:
Average total assets	$402,910,800	1,611
Average earning assets	$354,887,000	1,668
Average equity	$46,249,200	1,476
Average total loans	$208,680,200	1,969
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6400%	4,708
Cost of funding earning assets	1.2693%	1,868
Net interest margin	3.3707%	5,658
Noninterest income to average assets	0.8456%	1,857
Noninterest expense to average assets	2.3322%	5,952
Loan and lease loss provision to assets	0.4609%	2,151
Net operating income to assets	0.7043%	3,598
Return on assets (ROA)	0.8403%	3,136
Pretax return on assets	1.2244%	2,543
Return on Equity (ROE)	7.3472%	3,359
Retained earnings to average equity (ytd only)	3.9890%	3,878
Net charge-offs to loans	1.3975%	1,076
Credit loss provision to net charge-offs	63.3318%	4,697
Earnings coverage of net charge-offs (x)	2.0450%	4,124
Efficiency ratio	61.0455%	5,553
Assets per employee ($millions)	4.5190%	2,883
Cash dividends to net income (ytd only)*	45.7077%	1,782
Condition Ratios (%)
Loss allowance to loans	1.5049%	4,065
Loan loss allowance to noncurrent loans	204.0736%	1,535
Noncurrent assets plus other real estate owned to assets	0.8148%	5,142
Noncurrent loans to loans	0.7374%	5,404
Net loans and leases to total assets	49.9829%	5,707
Net loans and leases to deposits	65.4768%	4,975
Net loans and leases to core deposits	70.9030%	4,845
Total domestic deposits to total assets	76.3368%	6,481
Equity capital to assets	11.5474%	2,637
Core capital (leverage) ratio	8.0778%	6,312
Tier 1 risk-based capital ratio	13.0169%	5,084
Total risk-based capital ratio	14.2672%	5,055
Memoranda:
Average total assets	$399,220,250	1,633
Average earning assets	$352,318,250	1,687
Average equity	$45,657,750	1,487
Average total loans	$207,884,750	1,998
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6842%	4,606
Cost of funding earning assets	1.3159%	1,845
Net interest margin	3.3683%	5,649
Noninterest income to average assets	0.6211%	2,999
Noninterest expense to average assets	2.3593%	5,965
Loan and lease loss provision to assets	0.5445%	1,782
Net operating income to assets	0.4931%	4,530
Return on assets (ROA)	0.6307%	4,032
Pretax return on assets	0.8737%	3,742
Return on Equity (ROE)	5.5327%	4,195
Retained earnings to average equity (ytd only)	2.6580%	4,601
Net charge-offs to loans	1.8399%	746
Credit loss provision to net charge-offs	56.3380%	4,432
Earnings coverage of net charge-offs (x)	1.2697%	4,336
Efficiency ratio	65.7858%	4,914
Assets per employee ($millions)	4.4218%	2,958
Cash dividends to net income (ytd only)*	51.9584%	1,633
Condition Ratios (%)
Loss allowance to loans	1.5175%	4,049
Loan loss allowance to noncurrent loans	112.2576%	2,575
Noncurrent assets plus other real estate owned to assets	1.6135%	3,778
Noncurrent loans to loans	1.3518%	4,394
Net loans and leases to total assets	48.9438%	5,953
Net loans and leases to deposits	64.3382%	5,230
Net loans and leases to core deposits	70.2812%	5,039
Total domestic deposits to total assets	76.0728%	6,590
Equity capital to assets	11.3125%	2,670
Core capital (leverage) ratio	7.9978%	6,300
Tier 1 risk-based capital ratio	12.8118%	5,080
Total risk-based capital ratio	14.0619%	5,054
Memoranda:
Average total assets	$396,724,670	1,659
Average earning assets	$349,256,330	1,715
Average equity	$45,222,330	1,491
Average total loans	$208,383,000	2,015
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6558%	4,719
Cost of funding earning assets	1.3736%	1,751
Net interest margin	3.2822%	5,833
Noninterest income to average assets	0.5647%	3,408
Noninterest expense to average assets	2.4969%	5,566
Loan and lease loss provision to assets	0.3064%	2,718
Net operating income to assets	0.4865%	4,542
Return on assets (ROA)	0.5361%	4,410
Pretax return on assets	0.7087%	4,275
Return on Equity (ROE)	4.6850%	4,561
Retained earnings to average equity (ytd only)	1.7848%	5,050
Net charge-offs to loans	1.9160%	667
Credit loss provision to net charge-offs	29.6150%	4,124
Earnings coverage of net charge-offs (x)	0.9181%	3,965
Efficiency ratio	72.4444%	3,780
Assets per employee ($millions)	4.2833%	3,273
Cash dividends to net income (ytd only)*	61.9048%	1,198
Condition Ratios (%)
Loss allowance to loans	1.5458%	3,982
Loan loss allowance to noncurrent loans	74.6143%	3,730
Noncurrent assets plus other real estate owned to assets	1.8190%	3,543
Noncurrent loans to loans	2.0717%	3,485
Net loans and leases to total assets	51.0380%	5,710
Net loans and leases to deposits	67.1424%	4,808
Net loans and leases to core deposits	74.5215%	4,482
Total domestic deposits to total assets	76.0146%	6,668
Equity capital to assets	11.3314%	2,391
Core capital (leverage) ratio	8.0982%	6,133
Tier 1 risk-based capital ratio	12.4750%	5,289
Total risk-based capital ratio	13.7248%	5,264
Memoranda:
Average total assets	$391,684,500	1,684
Average earning assets	$343,911,500	1,751
Average equity	$44,823,500	1,496
Average total loans	$211,487,500	1,999
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1443%	3,885
Cost of funding earning assets	1.6495%	1,834
Net interest margin	3.4949%	5,264
Noninterest income to average assets	0.8679%	1,984
Noninterest expense to average assets	2.2530%	6,471
Loan and lease loss provision to assets	0.7493%	2,190
Net operating income to assets	0.7175%	3,158
Return on assets (ROA)	0.8199%	2,850
Pretax return on assets	1.0707%	2,700
Return on Equity (ROE)	7.0600%	3,086
Retained earnings to average equity (ytd only)	5.1890%	2,317
Net charge-offs to loans	0.9861%	2,215
Credit loss provision to net charge-offs	136.2548%	2,827
Earnings coverage of net charge-offs (x)	3.0675%	3,538
Efficiency ratio	56.4276%	6,539
Assets per employee ($millions)	4.0960%	3,587
Cash dividends to net income (ytd only)*	26.5018%	3,199
Condition Ratios (%)
Loss allowance to loans	1.8039%	2,851
Loan loss allowance to noncurrent loans	55.2803%	4,703
Noncurrent assets plus other real estate owned to assets	1.9646%	3,387
Noncurrent loans to loans	3.2632%	2,326
Net loans and leases to total assets	55.2097%	5,455
Net loans and leases to deposits	74.9668%	4,031
Net loans and leases to core deposits	89.3452%	2,850
Total domestic deposits to total assets	73.6455%	6,932
Equity capital to assets	11.5601%	2,212
Core capital (leverage) ratio	8.1659%	5,880
Tier 1 risk-based capital ratio	12.1812%	5,305
Total risk-based capital ratio	13.4356%	5,280
Memoranda:
Average total assets	$379,665,800	1,731
Average earning assets	$333,747,000	1,791
Average equity	$44,093,200	1,515
Average total loans	$211,753,400	2,049
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2021%	3,818
Cost of funding earning assets	1.7144%	1,798
Net interest margin	3.4877%	5,345
Noninterest income to average assets	0.6791%	2,951
Noninterest expense to average assets	2.2491%	6,469
Loan and lease loss provision to assets	0.5092%	2,910
Net operating income to assets	0.6716%	3,538
Return on assets (ROA)	0.7926%	3,196
Pretax return on assets	1.1602%	2,636
Return on Equity (ROE)	6.8166%	3,424
Retained earnings to average equity (ytd only)	4.3161%	3,463
Net charge-offs to loans	0.5477%	3,112
Credit loss provision to net charge-offs	167.0520%	2,230
Earnings coverage of net charge-offs (x)	4.8925%	2,902
Efficiency ratio	59.0635%	6,100
Assets per employee ($millions)	4.1120%	3,624
Cash dividends to net income (ytd only)*	36.6829%	2,239
Condition Ratios (%)
Loss allowance to loans	1.7573%	2,949
Loan loss allowance to noncurrent loans	101.2768%	2,758
Noncurrent assets plus other real estate owned to assets	1.0750%	4,962
Noncurrent loans to loans	1.7351%	4,043
Net loans and leases to total assets	54.4998%	5,775
Net loans and leases to deposits	75.9736%	4,181
Net loans and leases to core deposits	92.5504%	2,720
Total domestic deposits to total assets	71.7352%	7,161
Equity capital to assets	11.6810%	2,372
Core capital (leverage) ratio	8.1532%	6,114
Tier 1 risk-based capital ratio	11.9884%	5,477
Total risk-based capital ratio	13.2414%	5,438
Memoranda:
Average total assets	$378,326,500	1,766
Average earning assets	$332,088,500	1,824
Average equity	$43,989,250	1,520
Average total loans	$210,573,000	2,094
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2672%	3,616
Cost of funding earning assets	1.7789%	1,724
Net interest margin	3.4882%	5,291
Noninterest income to average assets	0.5894%	3,418
Noninterest expense to average assets	2.2480%	6,512
Loan and lease loss provision to assets	0.5544%	2,555
Net operating income to assets	0.6038%	3,864
Return on assets (ROA)	0.7141%	3,492
Pretax return on assets	0.9990%	3,115
Return on Equity (ROE)	6.1514%	3,727
Retained earnings to average equity (ytd only)	4.0948%	3,477
Net charge-offs to loans	0.6360%	2,639
Credit loss provision to net charge-offs	156.4371%	2,522
Earnings coverage of net charge-offs (x)	3.9446%	3,112
Efficiency ratio	60.5646%	5,940
Assets per employee ($millions)	4.6324%	2,677
Cash dividends to net income (ytd only)*	33.4324%	2,381
Condition Ratios (%)
Loss allowance to loans	1.6446%	3,272
Loan loss allowance to noncurrent loans	50.9761%	4,902
Noncurrent assets plus other real estate owned to assets	1.9703%	3,529
Noncurrent loans to loans	3.2262%	2,485
Net loans and leases to total assets	56.1825%	5,678
Net loans and leases to deposits	76.2196%	4,295
Net loans and leases to core deposits	92.9350%	2,857
Total domestic deposits to total assets	73.7114%	7,009
Equity capital to assets	11.7793%	2,226
Core capital (leverage) ratio	8.0099%	6,263
Tier 1 risk-based capital ratio	11.6583%	5,621
Total risk-based capital ratio	12.9102%	5,582
Memoranda:
Average total assets	$376,963,330	1,781
Average earning assets	$330,311,000	1,846
Average equity	$43,762,330	1,519
Average total loans	$210,049,330	2,124
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1921%	4,068
Cost of funding earning assets	1.8417%	1,692
Net interest margin	3.3504%	5,784
Noninterest income to average assets	0.5315%	3,801
Noninterest expense to average assets	2.2222%	6,625
Loan and lease loss provision to assets	0.5505%	2,300
Net operating income to assets	0.5122%	4,335
Return on assets (ROA)	0.6913%	3,594
Pretax return on assets	0.9581%	3,242
Return on Equity (ROE)	5.9985%	3,884
Retained earnings to average equity (ytd only)	5.0799%	3,113
Net charge-offs to loans	0.0923%	4,497
Credit loss provision to net charge-offs	1,083.3333%	435
Earnings coverage of net charge-offs (x)	24.7917%	1,002
Efficiency ratio	62.6634%	5,716
Assets per employee ($millions)	4.2995%	3,289
Cash dividends to net income (ytd only)*	15.3139%	2,326
Condition Ratios (%)
Loss allowance to loans	1.6917%	3,096
Loan loss allowance to noncurrent loans	91.5992%	3,009
Noncurrent assets plus other real estate owned to assets	1.1214%	4,915
Noncurrent loans to loans	1.8468%	3,993
Net loans and leases to total assets	54.9755%	5,896
Net loans and leases to deposits	74.0161%	4,737
Net loans and leases to core deposits	94.7834%	2,731
Total domestic deposits to total assets	74.2751%	7,010
Equity capital to assets	11.4589%	2,392
Core capital (leverage) ratio	7.8671%	6,419
Tier 1 risk-based capital ratio	11.6164%	5,560
Total risk-based capital ratio	12.8690%	5,522
Memoranda:
Average total assets	$377,831,500	1,816
Average earning assets	$332,739,000	1,882
Average equity	$43,544,000	1,538
Average total loans	$207,905,500	2,195
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5409%	3,922
Cost of funding earning assets	2.3642%	1,412
Net interest margin	3.1767%	6,169
Noninterest income to average assets	0.5552%	3,982
Noninterest expense to average assets	2.3239%	6,677
Loan and lease loss provision to assets	0.5403%	3,666
Net operating income to assets	0.3773%	4,224
Return on assets (ROA)	0.3796%	4,312
Pretax return on assets	0.4646%	4,307
Return on Equity (ROE)	3.4587%	4,309
Retained earnings to average equity (ytd only)	1.6915%	3,904
Net charge-offs to loans	0.2883%	4,830
Credit loss provision to net charge-offs	336.2069%	963
Earnings coverage of net charge-offs (x)	6.2362%	2,408
Efficiency ratio	68.6214%	4,901
Assets per employee ($millions)	4.2874%	3,287
Cash dividends to net income (ytd only)*	51.0949%	2,414
Condition Ratios (%)
Loss allowance to loans	1.5598%	3,437
Loan loss allowance to noncurrent loans	81.7238%	3,387
Noncurrent assets plus other real estate owned to assets	1.2104%	4,677
Noncurrent loans to loans	1.9086%	3,791
Net loans and leases to total assets	53.2633%	6,276
Net loans and leases to deposits	71.5025%	5,403
Net loans and leases to core deposits	100.0282%	3,999
Total domestic deposits to total assets	74.4916%	6,946
Equity capital to assets	11.5923%	2,248
Core capital (leverage) ratio	7.8683%	6,360
Tier 1 risk-based capital ratio	11.8417%	5,079
Total risk-based capital ratio	13.0928%	5,043
Memoranda:
Average total assets	$360,937,400	1,882
Average earning assets	$314,822,800	1,979
Average equity	$39,610,200	1,695
Average total loans	$201,172,000	2,285
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6043%	3,840
Cost of funding earning assets	2.4738%	1,380
Net interest margin	3.1305%	6,230
Noninterest income to average assets	0.6918%	3,076
Noninterest expense to average assets	2.4020%	6,414
Loan and lease loss provision to assets	0.5588%	3,152
Net operating income to assets	0.3802%	4,480
Return on assets (ROA)	0.3833%	4,569
Pretax return on assets	0.4604%	4,640
Return on Equity (ROE)	3.5449%	4,557
Retained earnings to average equity (ytd only)	2.1669%	4,113
Net charge-offs to loans	0.2607%	4,418
Credit loss provision to net charge-offs	381.6794%	1,057
Earnings coverage of net charge-offs (x)	6.9364%	2,514
Efficiency ratio	69.0538%	4,772
Assets per employee ($millions)	4.2798%	3,236
Cash dividends to net income (ytd only)*	38.8726%	2,492
Condition Ratios (%)
Loss allowance to loans	1.4285%	3,792
Loan loss allowance to noncurrent loans	84.6334%	3,224
Noncurrent assets plus other real estate owned to assets	1.2206%	4,627
Noncurrent loans to loans	1.6878%	4,115
Net loans and leases to total assets	52.8776%	6,516
Net loans and leases to deposits	77.6551%	4,789
Net loans and leases to core deposits	97.4992%	4,661
Total domestic deposits to total assets	68.0929%	7,561
Equity capital to assets	10.6133%	3,386
Core capital (leverage) ratio	6.9402%	7,468
Tier 1 risk-based capital ratio	10.4641%	6,509
Total risk-based capital ratio	11.6905%	6,482
Memoranda:
Average total assets	$357,920,000	1,911
Average earning assets	$311,635,000	2,018
Average equity	$38,702,750	1,752
Average total loans	$201,009,000	2,311
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7707%	3,190
Cost of funding earning assets	2.5781%	1,349
Net interest margin	3.1926%	5,942
Noninterest income to average assets	0.6659%	3,223
Noninterest expense to average assets	2.4584%	6,269
Loan and lease loss provision to assets	0.3412%	3,888
Net operating income to assets	0.4678%	4,226
Return on assets (ROA)	0.4720%	4,323
Pretax return on assets	0.6403%	4,195
Return on Equity (ROE)	4.3365%	4,365
Retained earnings to average equity (ytd only)	4.3365%	2,883
Net charge-offs to loans	0.3777%	3,306
Credit loss provision to net charge-offs	158.3113%	2,908
Earnings coverage of net charge-offs (x)	4.5277%	3,076
Efficiency ratio	70.3428%	4,708
Assets per employee ($millions)	3.9306%	3,818
Cash dividends to net income (ytd only)*	0.0000%	3,532
Condition Ratios (%)
Loss allowance to loans	0.9566%	6,521
Loan loss allowance to noncurrent loans	345.2504%	915
Noncurrent assets plus other real estate owned to assets	0.5513%	6,042
Noncurrent loans to loans	0.2771%	6,830
Net loans and leases to total assets	57.8652%	5,980
Net loans and leases to deposits	79.3485%	4,648
Net loans and leases to core deposits	105.9471%	3,850
Total domestic deposits to total assets	72.9253%	7,120
Equity capital to assets	10.8310%	3,078
Core capital (leverage) ratio	6.8415%	7,636
Tier 1 risk-based capital ratio	9.7877%	7,148
Total risk-based capital ratio	10.6326%	7,460
Memoranda:
Average total assets	$351,686,330	1,966
Average earning assets	$304,952,670	2,084
Average equity	$38,279,670	1,786
Average total loans	$200,667,330	2,347
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7861%	3,374
Cost of funding earning assets	2.7067%	1,253
Net interest margin	3.0794%	6,259
Noninterest income to average assets	0.6367%	3,296
Noninterest expense to average assets	2.4056%	6,174
Loan and lease loss provision to assets	0.3441%	3,264
Net operating income to assets	0.4810%	4,514
Return on assets (ROA)	0.4910%	4,653
Pretax return on assets	0.5621%	4,875
Return on Equity (ROE)	4.4995%	4,708
Retained earnings to average equity (ytd only)	4.4995%	3,429
Net charge-offs to loans	0.0427%	4,880
Credit loss provision to net charge-offs	1,428.5714%	444
Earnings coverage of net charge-offs (x)	37.1429%	899
Efficiency ratio	71.5676%	4,257
Assets per employee ($millions)	3.8035%	4,083
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	1.0360%	5,890
Loan loss allowance to noncurrent loans	104.8445%	2,924
Noncurrent assets plus other real estate owned to assets	0.6123%	5,657
Noncurrent loans to loans	0.9881%	5,021
Net loans and leases to total assets	57.3751%	6,043
Net loans and leases to deposits	78.8470%	4,796
Net loans and leases to core deposits	105.3924%	3,984
Total domestic deposits to total assets	72.7676%	7,088
Equity capital to assets	11.2449%	2,771
Core capital (leverage) ratio	6.8198%	7,754
Tier 1 risk-based capital ratio	9.9393%	6,995
Total risk-based capital ratio	10.8422%	7,284
Memoranda:
Average total assets	$348,687,000	1,992
Average earning assets	$301,618,500	2,116
Average equity	$38,049,000	1,793
Average total loans	$196,514,000	2,404
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1318%	4,887
Cost of funding earning assets	3.3224%	867
Net interest margin	2.8094%	7,316
Noninterest income to average assets	0.8630%	2,146
Noninterest expense to average assets	2.1035%	7,230
Loan and lease loss provision to assets	0.4378%	3,101
Net operating income to assets	0.7105%	3,843
Return on assets (ROA)	-1.1888%	7,279
Pretax return on assets	-2.2052%	7,505
Return on Equity (ROE)	-11.2575%	7,365
Retained earnings to average equity (ytd only)	-12.6487%	7,302
Net charge-offs to loans	0.9283%	1,334
Credit loss provision to net charge-offs	87.4927%	5,735
Earnings coverage of net charge-offs (x)	2.3987%	4,877
Efficiency ratio	62.3355%	5,892
Assets per employee ($millions)	4.1772%	3,155
Cash dividends to net income (ytd only)*	-12.3579%	7,876
Condition Ratios (%)
Loss allowance to loans	0.9138%	6,599
Loan loss allowance to noncurrent loans	85.5219%	3,945
Noncurrent assets plus other real estate owned to assets	0.6044%	5,386
Noncurrent loans to loans	1.0685%	4,433
Net loans and leases to total assets	54.2982%	6,622
Net loans and leases to deposits	75.4141%	5,666
Net loans and leases to core deposits	97.2018%	5,128
Total domestic deposits to total assets	72.0001%	6,995
Equity capital to assets	10.5912%	3,400
Core capital (leverage) ratio	6.5540%	7,914
Tier 1 risk-based capital ratio	9.5956%	7,215
Total risk-based capital ratio	10.3855%	7,649
Memoranda:
Average total assets	$340,335,400	1,954
Average earning assets	$295,686,000	2,068
Average equity	$35,940,400	1,875
Average total loans	$183,460,600	2,468