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Midwest Regional Bank, Performance and Condition Ratios

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2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.6292%	310
Cost of funding earning assets	3.4269%	80
Net interest margin	3.2023%	2,869
Noninterest income to average assets	0.8300%	878
Noninterest expense to average assets	2.4830%	2,346
Loan and lease loss provision to assets	0.0400%	2,313
Net operating income to assets	0.9672%	2,317
Return on assets (ROA)	0.9677%	2,299
Pretax return on assets	1.2456%	2,017
Return on Equity (ROE)	9.9800%	2,501
Retained earnings to average equity (ytd only)	2.5264%	3,435
Net charge-offs to loans	0.4007%	259
Credit loss provision to net charge-offs	-4.3297%	4,414
Earnings coverage of net charge-offs (x)	3.9798%	2,617
Efficiency ratio	65.9654%	2,361
Assets per employee ($millions)	8.6231%	1,141
Cash dividends to net income (ytd only)*	74.6826%	712
Condition Ratios (%)
Loss allowance to loans	1.2036%	2,280
Loan loss allowance to noncurrent loans	313.0760%	1,969
Noncurrent assets plus other real estate owned to assets	0.3729%	1,479
Noncurrent loans to loans	0.3845%	1,835
Net loans and leases to total assets	81.8100%	450
Net loans and leases to deposits	99.3883%	569
Net loans and leases to core deposits	103.1299%	1,267
Total domestic deposits to total assets	82.3200%	3,065
Equity capital to assets	9.3873%	2,432
Core capital (leverage) ratio	9.3886%	3,353
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	11.3135%	2,757
Memoranda:
Average total assets	$968,610,800	1,011
Average earning assets	$887,086,400	1,015
Average equity	$93,929,400	997
Average total loans	$778,195,800	882
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.4104%	338
Cost of funding earning assets	3.2355%	90
Net interest margin	3.1750%	2,972
Noninterest income to average assets	0.8300%	883
Noninterest expense to average assets	2.5307%	2,133
Loan and lease loss provision to assets	0.0000%	2,992
Net operating income to assets	0.9398%	2,548
Return on assets (ROA)	0.9434%	2,524
Pretax return on assets	1.2202%	2,249
Return on Equity (ROE)	9.6500%	2,749
Retained earnings to average equity (ytd only)	9.6469%	1,507
Net charge-offs to loans	0.5304%	163
Credit loss provision to net charge-offs	-13.1293%	4,475
Earnings coverage of net charge-offs (x)	2.8759%	2,460
Efficiency ratio	67.5503%	2,065
Assets per employee ($millions)	7.6710%	1,523
Cash dividends to net income (ytd only)*	0.0000%	3,002
Condition Ratios (%)
Loss allowance to loans	1.2189%	2,266
Loan loss allowance to noncurrent loans	314.9649%	1,956
Noncurrent assets plus other real estate owned to assets	0.3119%	1,770
Noncurrent loans to loans	0.3870%	1,860
Net loans and leases to total assets	79.6100%	692
Net loans and leases to deposits	91.6689%	1,083
Net loans and leases to core deposits	94.7435%	1,634
Total domestic deposits to total assets	86.8400%	1,937
Equity capital to assets	9.7323%	1,976
Core capital (leverage) ratio	10.1594%	2,667
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.1090%	2,581
Memoranda:
Average total assets	$958,538,250	1,026
Average earning assets	$879,525,750	1,023
Average equity	$93,734,500	989
Average total loans	$763,880,000	897
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.2650%	327
Cost of funding earning assets	3.1536%	69
Net interest margin	3.1114%	3,196
Noninterest income to average assets	0.8500%	770
Noninterest expense to average assets	2.5921%	1,949
Loan and lease loss provision to assets	0.0000%	2,857
Net operating income to assets	0.8493%	2,927
Return on assets (ROA)	0.8546%	2,908
Pretax return on assets	1.1136%	2,606
Return on Equity (ROE)	8.7200%	3,057
Retained earnings to average equity (ytd only)	8.7249%	1,755
Net charge-offs to loans	0.7307%	117
Credit loss provision to net charge-offs	-14.5887%	4,507
Earnings coverage of net charge-offs (x)	1.9082%	2,346
Efficiency ratio	70.0780%	1,757
Assets per employee ($millions)	7.4148%	1,650
Cash dividends to net income (ytd only)*	0.0000%	2,909
Condition Ratios (%)
Loss allowance to loans	1.3146%	1,867
Loan loss allowance to noncurrent loans	189.2671%	2,663
Noncurrent assets plus other real estate owned to assets	0.5493%	986
Noncurrent loans to loans	0.6946%	1,078
Net loans and leases to total assets	78.0400%	827
Net loans and leases to deposits	90.0438%	1,181
Net loans and leases to core deposits	93.2699%	1,610
Total domestic deposits to total assets	86.6700%	2,033
Equity capital to assets	9.7207%	2,020
Core capital (leverage) ratio	10.2733%	2,501
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.4427%	2,485
Memoranda:
Average total assets	$943,083,333	1,028
Average earning assets	$863,786,333	1,033
Average equity	$92,379,333	998
Average total loans	$748,553,667	900
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1893%	254
Cost of funding earning assets	3.1908%	21
Net interest margin	2.9985%	3,604
Noninterest income to average assets	0.8300%	803
Noninterest expense to average assets	2.6964%	1,684
Loan and lease loss provision to assets	0.0000%	2,553
Net operating income to assets	0.6588%	3,562
Return on assets (ROA)	0.6588%	3,516
Pretax return on assets	0.8724%	3,307
Return on Equity (ROE)	6.7000%	3,588
Retained earnings to average equity (ytd only)	6.6990%	2,584
Net charge-offs to loans	0.2234%	331
Credit loss provision to net charge-offs	-84.9148%	4,586
Earnings coverage of net charge-offs (x)	4.9100%	1,837
Efficiency ratio	75.5542%	1,201
Assets per employee ($millions)	7.0102%	1,976
Cash dividends to net income (ytd only)*	0.0000%	2,306
Condition Ratios (%)
Loss allowance to loans	1.6892%	829
Loan loss allowance to noncurrent loans	352.8965%	2,021
Noncurrent assets plus other real estate owned to assets	0.3786%	1,362
Noncurrent loans to loans	0.4787%	1,516
Net loans and leases to total assets	77.7500%	790
Net loans and leases to deposits	87.0860%	1,285
Net loans and leases to core deposits	90.2222%	1,604
Total domestic deposits to total assets	89.2800%	1,428
Equity capital to assets	9.9155%	1,863
Core capital (leverage) ratio	9.7440%	2,953
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.6837%	2,507
Memoranda:
Average total assets	$925,249,500	1,067
Average earning assets	$844,554,500	1,074
Average equity	$90,998,500	1,022
Average total loans	$735,827,000	924
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6238%	588
Cost of funding earning assets	1.2696%	57
Net interest margin	3.3542%	2,410
Noninterest income to average assets	0.6300%	1,531
Noninterest expense to average assets	2.5810%	1,881
Loan and lease loss provision to assets	0.0300%	2,326
Net operating income to assets	0.8231%	3,245
Return on assets (ROA)	0.8206%	3,188
Pretax return on assets	1.0706%	2,861
Return on Equity (ROE)	8.4200%	3,271
Retained earnings to average equity (ytd only)	8.4165%	1,671
Net charge-offs to loans	0.1594%	518
Credit loss provision to net charge-offs	27.1493%	1,909
Earnings coverage of net charge-offs (x)	8.8145%	2,250
Efficiency ratio	69.9679%	1,684
Assets per employee ($millions)	6.8506%	2,081
Cash dividends to net income (ytd only)*	0.0000%	3,453
Condition Ratios (%)
Loss allowance to loans	1.3734%	1,590
Loan loss allowance to noncurrent loans	268.0503%	2,322
Noncurrent assets plus other real estate owned to assets	0.4098%	1,253
Noncurrent loans to loans	0.5124%	1,423
Net loans and leases to total assets	78.8800%	708
Net loans and leases to deposits	88.6881%	1,131
Net loans and leases to core deposits	91.4012%	1,430
Total domestic deposits to total assets	88.9500%	1,734
Equity capital to assets	9.7520%	1,855
Core capital (leverage) ratio	9.6864%	2,965
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.7199%	2,482
Memoranda:
Average total assets	$879,190,200	1,099
Average earning assets	$800,989,400	1,113
Average equity	$85,724,400	1,072
Average total loans	$693,233,000	919
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2687%	784
Cost of funding earning assets	0.8760%	117
Net interest margin	3.3927%	1,995
Noninterest income to average assets	0.6500%	1,510
Noninterest expense to average assets	2.5741%	1,780
Loan and lease loss provision to assets	0.1700%	564
Net operating income to assets	0.7639%	3,374
Return on assets (ROA)	0.7606%	3,332
Pretax return on assets	0.9966%	3,020
Return on Equity (ROE)	7.8000%	3,386
Retained earnings to average equity (ytd only)	7.8012%	2,081
Net charge-offs to loans	0.1767%	379
Credit loss provision to net charge-offs	121.2789%	1,216
Earnings coverage of net charge-offs (x)	8.4223%	2,044
Efficiency ratio	68.7681%	1,920
Assets per employee ($millions)	7.4306%	1,658
Cash dividends to net income (ytd only)*	0.0000%	3,071
Condition Ratios (%)
Loss allowance to loans	1.4804%	1,351
Loan loss allowance to noncurrent loans	490.0712%	1,623
Noncurrent assets plus other real estate owned to assets	0.2418%	2,016
Noncurrent loans to loans	0.3021%	2,160
Net loans and leases to total assets	78.8700%	626
Net loans and leases to deposits	103.0822%	261
Net loans and leases to core deposits	106.4847%	576
Total domestic deposits to total assets	76.5100%	4,345
Equity capital to assets	9.2599%	2,034
Core capital (leverage) ratio	10.0210%	2,529
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.3354%	2,708
Memoranda:
Average total assets	$871,204,750	1,116
Average earning assets	$794,658,000	1,128
Average equity	$84,942,000	1,092
Average total loans	$684,352,500	922
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0697%	821
Cost of funding earning assets	0.7274%	138
Net interest margin	3.3423%	1,785
Noninterest income to average assets	0.6284%	1,626
Noninterest expense to average assets	2.5998%	1,637
Loan and lease loss provision to assets	0.2582%	274
Net operating income to assets	0.6130%	3,596
Return on assets (ROA)	0.6080%	3,551
Pretax return on assets	0.8101%	3,298
Return on Equity (ROE)	6.1239%	3,542
Retained earnings to average equity (ytd only)	6.1239%	2,292
Net charge-offs to loans	0.3226%	214
Credit loss provision to net charge-offs	102.6119%	1,262
Earnings coverage of net charge-offs (x)	4.2705%	1,962
Efficiency ratio	70.7532%	1,856
Assets per employee ($millions)	6.4716%	2,336
Cash dividends to net income (ytd only)*	0.0000%	2,927
Condition Ratios (%)
Loss allowance to loans	1.6476%	1,054
Loan loss allowance to noncurrent loans	715.6436%	1,195
Noncurrent assets plus other real estate owned to assets	0.1815%	2,447
Noncurrent loans to loans	0.2302%	2,568
Net loans and leases to total assets	77.5260%	590
Net loans and leases to deposits	88.0855%	825
Net loans and leases to core deposits	91.8382%	1,025
Total domestic deposits to total assets	88.0123%	2,570
Equity capital to assets	10.1453%	1,630
Core capital (leverage) ratio	10.2966%	2,100
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.4031%	2,343
Memoranda:
Average total assets	$851,996,667	1,135
Average earning assets	$776,467,333	1,157
Average equity	$84,586,333	1,111
Average total loans	$664,626,667	935
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9639%	829
Cost of funding earning assets	0.6607%	192
Net interest margin	3.3031%	1,557
Noninterest income to average assets	0.7995%	1,049
Noninterest expense to average assets	2.6210%	1,548
Loan and lease loss provision to assets	0.3835%	144
Net operating income to assets	0.6001%	3,395
Return on assets (ROA)	0.6001%	3,377
Pretax return on assets	0.8111%	3,082
Return on Equity (ROE)	6.1090%	3,318
Retained earnings to average equity (ytd only)	6.1090%	2,215
Net charge-offs to loans	0.5977%	113
Credit loss provision to net charge-offs	82.6653%	1,108
Earnings coverage of net charge-offs (x)	2.5752%	1,700
Efficiency ratio	68.6929%	2,418
Assets per employee ($millions)	6.3253%	2,528
Cash dividends to net income (ytd only)*	0.0000%	2,254
Condition Ratios (%)
Loss allowance to loans	1.6087%	1,249
Loan loss allowance to noncurrent loans	1,047.3425%	879
Noncurrent assets plus other real estate owned to assets	0.1208%	2,972
Noncurrent loans to loans	0.1536%	3,034
Net loans and leases to total assets	77.3643%	427
Net loans and leases to deposits	88.0744%	614
Net loans and leases to core deposits	91.2334%	858
Total domestic deposits to total assets	87.8398%	2,604
Equity capital to assets	10.0196%	1,875
Core capital (leverage) ratio	9.7484%	2,539
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.2909%	2,486
Memoranda:
Average total assets	$860,576,500	1,129
Average earning assets	$785,798,500	1,144
Average equity	$84,531,000	1,142
Average total loans	$667,911,000	918
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0984%	1,161
Cost of funding earning assets	0.7594%	251
Net interest margin	3.3390%	2,212
Noninterest income to average assets	1.4391%	540
Noninterest expense to average assets	2.5233%	2,115
Loan and lease loss provision to assets	0.5291%	104
Net operating income to assets	1.1375%	2,151
Return on assets (ROA)	1.1375%	2,202
Pretax return on assets	1.4386%	1,921
Return on Equity (ROE)	12.7616%	1,539
Retained earnings to average equity (ytd only)	12.7616%	428
Net charge-offs to loans	0.2853%	312
Credit loss provision to net charge-offs	242.4103%	1,190
Earnings coverage of net charge-offs (x)	9.0154%	2,278
Efficiency ratio	56.1869%	3,687
Assets per employee ($millions)	6.8816%	2,006
Cash dividends to net income (ytd only)*	0.0000%	3,588
Condition Ratios (%)
Loss allowance to loans	1.6036%	1,246
Loan loss allowance to noncurrent loans	561.1832%	1,310
Noncurrent assets plus other real estate owned to assets	0.2188%	2,468
Noncurrent loans to loans	0.2858%	2,574
Net loans and leases to total assets	75.3285%	560
Net loans and leases to deposits	85.1575%	844
Net loans and leases to core deposits	87.9812%	1,079
Total domestic deposits to total assets	88.4579%	1,807
Equity capital to assets	9.6238%	3,025
Core capital (leverage) ratio	9.9040%	2,460
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.8889%	2,668
Memoranda:
Average total assets	$893,458,800	1,050
Average earning assets	$816,611,000	1,065
Average equity	$79,637,400	1,213
Average total loans	$683,399,800	896
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1331%	1,232
Cost of funding earning assets	0.7939%	249
Net interest margin	3.3392%	2,309
Noninterest income to average assets	1.4833%	556
Noninterest expense to average assets	2.4621%	2,232
Loan and lease loss provision to assets	0.5187%	103
Net operating income to assets	1.2314%	2,056
Return on assets (ROA)	1.2314%	2,120
Pretax return on assets	1.5549%	1,835
Return on Equity (ROE)	14.0912%	1,364
Retained earnings to average equity (ytd only)	14.0912%	501
Net charge-offs to loans	0.4268%	179
Credit loss provision to net charge-offs	158.9066%	1,326
Earnings coverage of net charge-offs (x)	6.3526%	2,182
Efficiency ratio	54.2835%	3,767
Assets per employee ($millions)	6.5733%	2,192
Cash dividends to net income (ytd only)*	0.0000%	3,236
Condition Ratios (%)
Loss allowance to loans	1.4173%	1,955
Loan loss allowance to noncurrent loans	886.8821%	870
Noncurrent assets plus other real estate owned to assets	0.1241%	3,290
Noncurrent loans to loans	0.1598%	3,322
Net loans and leases to total assets	76.5304%	506
Net loans and leases to deposits	87.9411%	719
Net loans and leases to core deposits	91.4321%	953
Total domestic deposits to total assets	87.0246%	2,346
Equity capital to assets	9.8163%	3,087
Core capital (leverage) ratio	9.5771%	2,933
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.0241%	2,700
Memoranda:
Average total assets	$896,611,000	1,059
Average earning assets	$819,571,500	1,071
Average equity	$78,354,000	1,246
Average total loans	$685,663,500	910
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9879%	1,591
Cost of funding earning assets	0.8059%	286
Net interest margin	3.1820%	2,806
Noninterest income to average assets	1.4308%	594
Noninterest expense to average assets	2.4501%	2,310
Loan and lease loss provision to assets	0.4698%	116
Net operating income to assets	1.1214%	2,461
Return on assets (ROA)	1.1214%	2,532
Pretax return on assets	1.4205%	2,268
Return on Equity (ROE)	13.3233%	1,617
Retained earnings to average equity (ytd only)	13.3233%	663
Net charge-offs to loans	0.2927%	301
Credit loss provision to net charge-offs	210.7178%	1,027
Earnings coverage of net charge-offs (x)	8.4779%	1,879
Efficiency ratio	56.4479%	3,486
Assets per employee ($millions)	6.1933%	2,433
Cash dividends to net income (ytd only)*	0.0000%	3,087
Condition Ratios (%)
Loss allowance to loans	1.3253%	2,311
Loan loss allowance to noncurrent loans	680.7578%	991
Noncurrent assets plus other real estate owned to assets	0.1499%	3,249
Noncurrent loans to loans	0.1947%	3,255
Net loans and leases to total assets	75.9666%	593
Net loans and leases to deposits	91.4999%	567
Net loans and leases to core deposits	95.3358%	837
Total domestic deposits to total assets	83.0237%	3,703
Equity capital to assets	8.9027%	3,887
Core capital (leverage) ratio	9.0986%	3,351
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.4808%	2,862
Memoranda:
Average total assets	$912,219,000	1,039
Average earning assets	$834,116,667	1,053
Average equity	$76,783,000	1,258
Average total loans	$694,878,333	900
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9261%	1,769
Cost of funding earning assets	0.8392%	295
Net interest margin	3.0869%	3,035
Noninterest income to average assets	1.3670%	700
Noninterest expense to average assets	2.3495%	2,653
Loan and lease loss provision to assets	0.4777%	144
Net operating income to assets	1.0490%	2,641
Return on assets (ROA)	1.0490%	2,721
Pretax return on assets	1.3566%	2,406
Return on Equity (ROE)	12.8163%	1,722
Retained earnings to average equity (ytd only)	12.8163%	957
Net charge-offs to loans	0.4226%	195
Credit loss provision to net charge-offs	149.1848%	985
Earnings coverage of net charge-offs (x)	5.7283%	1,671
Efficiency ratio	56.1564%	3,526
Assets per employee ($millions)	6.3854%	2,265
Cash dividends to net income (ytd only)*	0.0000%	2,433
Condition Ratios (%)
Loss allowance to loans	1.1901%	2,987
Loan loss allowance to noncurrent loans	581.5789%	1,048
Noncurrent assets plus other real estate owned to assets	0.3142%	2,572
Noncurrent loans to loans	0.2046%	3,375
Net loans and leases to total assets	79.1243%	391
Net loans and leases to deposits	96.0582%	406
Net loans and leases to core deposits	100.7600%	685
Total domestic deposits to total assets	82.3712%	3,818
Equity capital to assets	8.7482%	3,916
Core capital (leverage) ratio	8.4566%	4,162
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.7682%	2,746
Memoranda:
Average total assets	$919,361,000	1,020
Average earning assets	$838,889,500	1,038
Average equity	$75,248,000	1,273
Average total loans	$696,634,000	905
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2510%	1,997
Cost of funding earning assets	1.4444%	105
Net interest margin	2.8066%	4,255
Noninterest income to average assets	1.5735%	495
Noninterest expense to average assets	2.5948%	2,559
Loan and lease loss provision to assets	0.7221%	211
Net operating income to assets	0.6881%	3,470
Return on assets (ROA)	0.6928%	3,590
Pretax return on assets	0.8156%	3,597
Return on Equity (ROE)	8.3709%	2,664
Retained earnings to average equity (ytd only)	8.3709%	954
Net charge-offs to loans	0.5435%	281
Credit loss provision to net charge-offs	174.5109%	2,294
Earnings coverage of net charge-offs (x)	3.7028%	3,060
Efficiency ratio	62.8758%	3,000
Assets per employee ($millions)	6.9387%	1,624
Cash dividends to net income (ytd only)*	0.0000%	3,731
Condition Ratios (%)
Loss allowance to loans	1.1688%	3,111
Loan loss allowance to noncurrent loans	363.9946%	1,484
Noncurrent assets plus other real estate owned to assets	0.3557%	2,564
Noncurrent loans to loans	0.3211%	3,054
Net loans and leases to total assets	70.9739%	1,427
Net loans and leases to deposits	84.5785%	1,404
Net loans and leases to core deposits	94.1222%	1,244
Total domestic deposits to total assets	83.9148%	3,141
Equity capital to assets	7.6664%	4,809
Core capital (leverage) ratio	8.5465%	4,162
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.0147%	2,918
Memoranda:
Average total assets	$827,763,200	1,028
Average earning assets	$753,068,800	1,043
Average equity	$68,510,800	1,314
Average total loans	$630,230,200	935
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2495%	2,251
Cost of funding earning assets	1.6345%	63
Net interest margin	2.6150%	4,554
Noninterest income to average assets	1.6045%	459
Noninterest expense to average assets	2.4074%	3,113
Loan and lease loss provision to assets	0.5403%	514
Net operating income to assets	0.8141%	3,038
Return on assets (ROA)	0.8185%	3,145
Pretax return on assets	1.0353%	2,951
Return on Equity (ROE)	9.5965%	2,170
Retained earnings to average equity (ytd only)	9.5965%	847
Net charge-offs to loans	0.2366%	648
Credit loss provision to net charge-offs	294.7898%	1,779
Earnings coverage of net charge-offs (x)	8.5667%	2,490
Efficiency ratio	60.5273%	3,300
Assets per employee ($millions)	6.3858%	1,925
Cash dividends to net income (ytd only)*	0.0000%	3,332
Condition Ratios (%)
Loss allowance to loans	1.0701%	3,362
Loan loss allowance to noncurrent loans	264.1450%	1,784
Noncurrent assets plus other real estate owned to assets	0.3909%	2,606
Noncurrent loans to loans	0.4051%	2,842
Net loans and leases to total assets	79.9138%	625
Net loans and leases to deposits	99.0136%	574
Net loans and leases to core deposits	122.0614%	372
Total domestic deposits to total assets	80.7100%	3,722
Equity capital to assets	8.3576%	4,543
Core capital (leverage) ratio	8.9535%	3,806
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.7863%	2,688
Memoranda:
Average total assets	$795,917,750	1,046
Average earning assets	$722,231,250	1,057
Average equity	$67,884,000	1,312
Average total loans	$616,388,000	950
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3442%	2,355
Cost of funding earning assets	1.8042%	42
Net interest margin	2.5400%	4,707
Noninterest income to average assets	0.8132%	1,398
Noninterest expense to average assets	2.2557%	3,640
Loan and lease loss provision to assets	0.6414%	463
Net operating income to assets	0.1708%	4,605
Return on assets (ROA)	0.1775%	4,647
Pretax return on assets	0.2257%	4,608
Return on Equity (ROE)	2.0658%	4,523
Retained earnings to average equity (ytd only)	2.0658%	3,727
Net charge-offs to loans	0.3946%	402
Credit loss provision to net charge-offs	213.3621%	1,861
Earnings coverage of net charge-offs (x)	2.8560%	2,730
Efficiency ratio	72.4307%	1,629
Assets per employee ($millions)	6.2921%	1,956
Cash dividends to net income (ytd only)*	0.0000%	3,182
Condition Ratios (%)
Loss allowance to loans	0.9941%	3,604
Loan loss allowance to noncurrent loans	282.1398%	1,643
Noncurrent assets plus other real estate owned to assets	0.3542%	2,875
Noncurrent loans to loans	0.3524%	3,138
Net loans and leases to total assets	80.3136%	562
Net loans and leases to deposits	97.8244%	666
Net loans and leases to core deposits	125.2849%	325
Total domestic deposits to total assets	82.0998%	3,346
Equity capital to assets	8.0961%	4,671
Core capital (leverage) ratio	8.9448%	3,962
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.2845%	2,890
Memoranda:
Average total assets	$771,735,667	1,056
Average earning assets	$699,135,333	1,076
Average equity	$66,317,667	1,327
Average total loans	$588,007,333	977
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6832%	1,763
Cost of funding earning assets	2.0219%	30
Net interest margin	2.6613%	4,702
Noninterest income to average assets	1.0314%	803
Noninterest expense to average assets	2.7848%	2,469
Loan and lease loss provision to assets	1.0912%	186
Net operating income to assets	-0.3533%	4,899
Return on assets (ROA)	-0.3465%	4,869
Pretax return on assets	-0.4408%	4,875
Return on Equity (ROE)	-3.9056%	4,894
Retained earnings to average equity (ytd only)	-3.9056%	4,429
Net charge-offs to loans	0.7404%	207
Credit loss provision to net charge-offs	200.6938%	1,416
Earnings coverage of net charge-offs (x)	1.1804%	2,414
Efficiency ratio	81.2706%	1,020
Assets per employee ($millions)	5.2118%	2,413
Cash dividends to net income (ytd only)*	0.0000%	2,581
Condition Ratios (%)
Loss allowance to loans	1.1931%	2,705
Loan loss allowance to noncurrent loans	246.8109%	1,782
Noncurrent assets plus other real estate owned to assets	0.4357%	2,720
Noncurrent loans to loans	0.4834%	2,813
Net loans and leases to total assets	73.2644%	1,735
Net loans and leases to deposits	81.5195%	2,519
Net loans and leases to core deposits	102.6410%	1,270
Total domestic deposits to total assets	89.8735%	362
Equity capital to assets	8.9111%	4,651
Core capital (leverage) ratio	8.4674%	4,808
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	11.7775%	3,159
Memoranda:
Average total assets	$742,324,000	1,057
Average earning assets	$668,093,000	1,080
Average equity	$65,855,000	1,328
Average total loans	$545,136,000	1,017
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1384%	1,137
Cost of funding earning assets	2.0828%	41
Net interest margin	3.0556%	4,440
Noninterest income to average assets	1.8152%	305
Noninterest expense to average assets	3.1080%	1,737
Loan and lease loss provision to assets	0.6863%	164
Net operating income to assets	0.5891%	4,196
Return on assets (ROA)	0.5891%	4,253
Pretax return on assets	0.7464%	4,095
Return on Equity (ROE)	6.3085%	3,814
Retained earnings to average equity (ytd only)	6.3085%	1,713
Net charge-offs to loans	0.7276%	228
Credit loss provision to net charge-offs	122.2368%	2,078
Earnings coverage of net charge-offs (x)	2.5519%	3,404
Efficiency ratio	68.4478%	2,399
Assets per employee ($millions)	5.5954%	1,979
Cash dividends to net income (ytd only)*	0.0000%	3,913
Condition Ratios (%)
Loss allowance to loans	1.0057%	3,467
Loan loss allowance to noncurrent loans	163.2926%	2,444
Noncurrent assets plus other real estate owned to assets	0.5253%	2,313
Noncurrent loans to loans	0.6159%	2,347
Net loans and leases to total assets	72.0064%	2,091
Net loans and leases to deposits	80.0092%	2,776
Net loans and leases to core deposits	85.6554%	2,810
Total domestic deposits to total assets	89.9977%	319
Equity capital to assets	8.8327%	4,770
Core capital (leverage) ratio	8.9473%	4,566
Tier 1 risk-based capital ratio	9.9376%	5,129
Total risk-based capital ratio	11.6070%	4,999
Memoranda:
Average total assets	$680,046,000	1,101
Average earning assets	$606,589,600	1,134
Average equity	$63,501,800	1,323
Average total loans	$524,722,000	1,028
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2275%	984
Cost of funding earning assets	2.1072%	42
Net interest margin	3.1203%	4,444
Noninterest income to average assets	1.8965%	287
Noninterest expense to average assets	3.1684%	1,529
Loan and lease loss provision to assets	0.6854%	154
Net operating income to assets	0.6511%	4,158
Return on assets (ROA)	0.6511%	4,207
Pretax return on assets	0.8200%	4,072
Return on Equity (ROE)	6.8680%	3,737
Retained earnings to average equity (ytd only)	6.8680%	1,924
Net charge-offs to loans	0.5140%	330
Credit loss provision to net charge-offs	170.0449%	1,492
Earnings coverage of net charge-offs (x)	3.7349%	3,075
Efficiency ratio	67.7918%	2,454
Assets per employee ($millions)	4.8812%	2,687
Cash dividends to net income (ytd only)*	0.0000%	3,563
Condition Ratios (%)
Loss allowance to loans	1.1179%	2,936
Loan loss allowance to noncurrent loans	127.2708%	2,903
Noncurrent assets plus other real estate owned to assets	0.8206%	1,683
Noncurrent loans to loans	0.8783%	1,826
Net loans and leases to total assets	82.9063%	464
Net loans and leases to deposits	96.7707%	921
Net loans and leases to core deposits	104.8481%	1,273
Total domestic deposits to total assets	85.6729%	2,129
Equity capital to assets	10.1492%	3,869
Core capital (leverage) ratio	9.4377%	4,237
Tier 1 risk-based capital ratio	9.7382%	5,215
Total risk-based capital ratio	11.4808%	5,071
Memoranda:
Average total assets	$662,611,000	1,128
Average earning assets	$589,767,000	1,170
Average equity	$62,820,750	1,327
Average total loans	$519,557,750	1,041
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0899%	1,241
Cost of funding earning assets	2.0656%	43
Net interest margin	3.0242%	4,643
Noninterest income to average assets	1.8289%	301
Noninterest expense to average assets	3.1778%	1,556
Loan and lease loss provision to assets	0.9230%	104
Net operating income to assets	0.3413%	4,818
Return on assets (ROA)	0.3413%	4,832
Pretax return on assets	0.4220%	4,803
Return on Equity (ROE)	3.6828%	4,653
Retained earnings to average equity (ytd only)	3.6828%	3,415
Net charge-offs to loans	0.8130%	175
Credit loss provision to net charge-offs	148.0806%	1,514
Earnings coverage of net charge-offs (x)	2.1579%	2,965
Efficiency ratio	70.2619%	2,180
Assets per employee ($millions)	4.9385%	2,553
Cash dividends to net income (ytd only)*	0.0000%	3,431
Condition Ratios (%)
Loss allowance to loans	1.0227%	3,493
Loan loss allowance to noncurrent loans	117.1167%	3,055
Noncurrent assets plus other real estate owned to assets	0.8196%	1,719
Noncurrent loans to loans	0.8732%	1,855
Net loans and leases to total assets	81.8480%	627
Net loans and leases to deposits	92.2301%	1,468
Net loans and leases to core deposits	99.3298%	1,782
Total domestic deposits to total assets	88.7432%	768
Equity capital to assets	9.4652%	4,436
Core capital (leverage) ratio	9.1531%	4,504
Tier 1 risk-based capital ratio	9.2507%	5,284
Total risk-based capital ratio	10.9008%	5,241
Memoranda:
Average total assets	$668,708,330	1,114
Average earning assets	$595,656,000	1,146
Average equity	$61,963,330	1,333
Average total loans	$512,670,330	1,050
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0687%	1,168
Cost of funding earning assets	2.0213%	51
Net interest margin	3.0474%	4,675
Noninterest income to average assets	1.3767%	450
Noninterest expense to average assets	3.1255%	1,675
Loan and lease loss provision to assets	0.2688%	517
Net operating income to assets	0.5973%	4,253
Return on assets (ROA)	0.5973%	4,286
Pretax return on assets	0.6964%	4,311
Return on Equity (ROE)	6.5154%	3,836
Retained earnings to average equity (ytd only)	6.5154%	2,242
Net charge-offs to loans	0.0300%	1,854
Credit loss provision to net charge-offs	1,216.2162%	318
Earnings coverage of net charge-offs (x)	43.6757%	1,099
Efficiency ratio	76.4053%	1,457
Assets per employee ($millions)	5.1748%	2,309
Cash dividends to net income (ytd only)*	0.0000%	2,768
Condition Ratios (%)
Loss allowance to loans	0.9948%	3,742
Loan loss allowance to noncurrent loans	105.5834%	3,304
Noncurrent assets plus other real estate owned to assets	0.7854%	1,792
Noncurrent loans to loans	0.9422%	1,776
Net loans and leases to total assets	74.1218%	1,780
Net loans and leases to deposits	89.7955%	1,659
Net loans and leases to core deposits	98.0933%	1,766
Total domestic deposits to total assets	82.5451%	3,562
Equity capital to assets	9.1336%	4,587
Core capital (leverage) ratio	9.1352%	4,537
Tier 1 risk-based capital ratio	9.6968%	5,317
Total risk-based capital ratio	11.3684%	5,211
Memoranda:
Average total assets	$669,716,500	1,110
Average earning assets	$596,440,000	1,155
Average equity	$61,393,000	1,343
Average total loans	$493,349,500	1,092
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9633%	1,124
Cost of funding earning assets	1.5935%	59
Net interest margin	3.3698%	4,078
Noninterest income to average assets	1.3795%	478
Noninterest expense to average assets	3.2142%	1,516
Loan and lease loss provision to assets	0.2819%	585
Net operating income to assets	0.6611%	4,254
Return on assets (ROA)	0.6611%	4,262
Pretax return on assets	0.8592%	4,011
Return on Equity (ROE)	7.3206%	3,720
Retained earnings to average equity (ytd only)	7.3206%	1,531
Net charge-offs to loans	0.1744%	1,106
Credit loss provision to net charge-offs	212.0823%	1,367
Earnings coverage of net charge-offs (x)	8.5835%	2,887
Efficiency ratio	73.7994%	1,650
Assets per employee ($millions)	5.1723%	2,303
Cash dividends to net income (ytd only)*	0.0000%	4,013
Condition Ratios (%)
Loss allowance to loans	1.0064%	3,642
Loan loss allowance to noncurrent loans	131.4845%	2,953
Noncurrent assets plus other real estate owned to assets	0.6265%	2,165
Noncurrent loans to loans	0.7654%	2,089
Net loans and leases to total assets	71.8485%	2,287
Net loans and leases to deposits	87.1790%	2,147
Net loans and leases to core deposits	92.7134%	2,349
Total domestic deposits to total assets	82.4149%	3,518
Equity capital to assets	9.2724%	4,349
Core capital (leverage) ratio	9.4601%	4,158
Tier 1 risk-based capital ratio	9.9300%	5,323
Total risk-based capital ratio	11.6480%	5,126
Memoranda:
Average total assets	$585,215,000	1,231
Average earning assets	$516,791,200	1,273
Average equity	$52,850,800	1,444
Average total loans	$446,054,000	1,153
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9460%	1,051
Cost of funding earning assets	1.5047%	65
Net interest margin	3.4413%	3,888
Noninterest income to average assets	1.3239%	545
Noninterest expense to average assets	3.2795%	1,344
Loan and lease loss provision to assets	0.3180%	446
Net operating income to assets	0.5675%	4,594
Return on assets (ROA)	0.5675%	4,597
Pretax return on assets	0.7628%	4,393
Return on Equity (ROE)	6.3331%	4,162
Retained earnings to average equity (ytd only)	6.3331%	2,470
Net charge-offs to loans	0.2679%	619
Credit loss provision to net charge-offs	153.5836%	1,674
Earnings coverage of net charge-offs (x)	5.2196%	2,976
Efficiency ratio	75.2134%	1,435
Assets per employee ($millions)	4.7538%	2,781
Cash dividends to net income (ytd only)*	0.0000%	3,598
Condition Ratios (%)
Loss allowance to loans	0.9658%	3,972
Loan loss allowance to noncurrent loans	97.2161%	3,503
Noncurrent assets plus other real estate owned to assets	0.8143%	1,819
Noncurrent loans to loans	0.9934%	1,713
Net loans and leases to total assets	73.5909%	2,058
Net loans and leases to deposits	88.0287%	2,151
Net loans and leases to core deposits	93.4906%	2,346
Total domestic deposits to total assets	83.5988%	3,085
Equity capital to assets	8.7189%	4,784
Core capital (leverage) ratio	8.8057%	4,882
Tier 1 risk-based capital ratio	8.8836%	5,457
Total risk-based capital ratio	10.5754%	5,439
Memoranda:
Average total assets	$566,003,750	1,256
Average earning assets	$499,410,500	1,313
Average equity	$50,716,250	1,496
Average total loans	$437,438,500	1,168
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9087%	1,002
Cost of funding earning assets	1.5205%	49
Net interest margin	3.3881%	3,991
Noninterest income to average assets	1.3188%	556
Noninterest expense to average assets	3.2752%	1,379
Loan and lease loss provision to assets	0.4921%	231
Net operating income to assets	0.4028%	4,956
Return on assets (ROA)	0.4028%	4,962
Pretax return on assets	0.5373%	4,839
Return on Equity (ROE)	4.4502%	4,708
Retained earnings to average equity (ytd only)	4.4502%	3,374
Net charge-offs to loans	0.4152%	374
Credit loss provision to net charge-offs	151.1758%	1,571
Earnings coverage of net charge-offs (x)	3.1624%	2,904
Efficiency ratio	76.0860%	1,418
Assets per employee ($millions)	4.6196%	2,943
Cash dividends to net income (ytd only)*	0.0000%	3,456
Condition Ratios (%)
Loss allowance to loans	0.9952%	3,876
Loan loss allowance to noncurrent loans	103.8769%	3,405
Noncurrent assets plus other real estate owned to assets	0.8714%	1,719
Noncurrent loans to loans	0.9580%	1,814
Net loans and leases to total assets	80.6830%	911
Net loans and leases to deposits	92.1583%	1,564
Net loans and leases to core deposits	98.0913%	1,885
Total domestic deposits to total assets	87.5484%	1,616
Equity capital to assets	9.3607%	4,226
Core capital (leverage) ratio	8.4038%	5,168
Tier 1 risk-based capital ratio	8.6371%	5,520
Total risk-based capital ratio	10.3799%	5,505
Memoranda:
Average total assets	$548,674,330	1,295
Average earning assets	$483,512,670	1,363
Average equity	$49,661,000	1,536
Average total loans	$430,177,670	1,183
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6983%	1,310
Cost of funding earning assets	1.5104%	41
Net interest margin	3.1879%	4,509
Noninterest income to average assets	0.8662%	1,243
Noninterest expense to average assets	3.1269%	1,748
Loan and lease loss provision to assets	0.3270%	380
Net operating income to assets	0.1700%	5,273
Return on assets (ROA)	0.1700%	5,269
Pretax return on assets	0.2253%	5,243
Return on Equity (ROE)	1.9111%	5,195
Retained earnings to average equity (ytd only)	1.9111%	4,380
Net charge-offs to loans	0.0482%	1,629
Credit loss provision to net charge-offs	882.3529%	377
Earnings coverage of net charge-offs (x)	14.9020%	1,687
Efficiency ratio	84.9891%	716
Assets per employee ($millions)	4.5216%	3,118
Cash dividends to net income (ytd only)*	0.0000%	2,749
Condition Ratios (%)
Loss allowance to loans	1.0157%	3,861
Loan loss allowance to noncurrent loans	93.6467%	3,581
Noncurrent assets plus other real estate owned to assets	0.9658%	1,636
Noncurrent loans to loans	1.0846%	1,689
Net loans and leases to total assets	79.6897%	980
Net loans and leases to deposits	91.3392%	1,518
Net loans and leases to core deposits	97.4605%	1,870
Total domestic deposits to total assets	87.2459%	2,024
Equity capital to assets	9.2054%	4,358
Core capital (leverage) ratio	8.1838%	5,323
Tier 1 risk-based capital ratio	8.6361%	5,584
Total risk-based capital ratio	10.4419%	5,569
Memoranda:
Average total assets	$550,453,000	1,302
Average earning assets	$485,708,500	1,367
Average equity	$48,978,000	1,562
Average total loans	$423,147,500	1,211
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5161%	1,662
Cost of funding earning assets	1.3065%	48
Net interest margin	3.2096%	4,423
Noninterest income to average assets	1.3844%	549
Noninterest expense to average assets	2.9711%	2,242
Loan and lease loss provision to assets	0.2264%	866
Net operating income to assets	0.6918%	3,631
Return on assets (ROA)	0.6918%	3,688
Pretax return on assets	1.0535%	3,369
Return on Equity (ROE)	7.9868%	2,801
Retained earnings to average equity (ytd only)	7.9868%	771
Net charge-offs to loans	0.2024%	1,275
Credit loss provision to net charge-offs	147.0588%	1,810
Earnings coverage of net charge-offs (x)	8.3137%	2,928
Efficiency ratio	69.8385%	2,586
Assets per employee ($millions)	4.7280%	2,828
Cash dividends to net income (ytd only)*	0.0000%	4,098
Condition Ratios (%)
Loss allowance to loans	0.9512%	4,203
Loan loss allowance to noncurrent loans	95.7488%	3,607
Noncurrent assets plus other real estate owned to assets	0.8168%	1,914
Noncurrent loans to loans	0.9934%	1,782
Net loans and leases to total assets	72.7557%	2,124
Net loans and leases to deposits	83.8975%	2,500
Net loans and leases to core deposits	89.4202%	2,618
Total domestic deposits to total assets	86.7197%	2,133
Equity capital to assets	8.6085%	5,031
Core capital (leverage) ratio	8.4373%	5,190
Tier 1 risk-based capital ratio	8.9931%	5,633
Total risk-based capital ratio	10.7646%	5,582
Memoranda:
Average total assets	$530,037,800	1,331
Average earning assets	$473,395,000	1,374
Average equity	$45,913,000	1,637
Average total loans	$403,210,600	1,224
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4983%	1,646
Cost of funding earning assets	1.2869%	49
Net interest margin	3.2114%	4,426
Noninterest income to average assets	1.3871%	547
Noninterest expense to average assets	3.0629%	1,914
Loan and lease loss provision to assets	0.3073%	507
Net operating income to assets	0.5352%	4,636
Return on assets (ROA)	0.5352%	4,668
Pretax return on assets	0.8947%	4,060
Return on Equity (ROE)	6.1676%	4,047
Retained earnings to average equity (ytd only)	6.1676%	2,134
Net charge-offs to loans	0.2668%	811
Credit loss provision to net charge-offs	150.0000%	1,689
Earnings coverage of net charge-offs (x)	5.8675%	3,050
Efficiency ratio	71.7579%	2,236
Assets per employee ($millions)	4.3194%	3,440
Cash dividends to net income (ytd only)*	0.0000%	3,680
Condition Ratios (%)
Loss allowance to loans	0.9719%	4,226
Loan loss allowance to noncurrent loans	86.2779%	3,780
Noncurrent assets plus other real estate owned to assets	1.0081%	1,683
Noncurrent loans to loans	1.1265%	1,711
Net loans and leases to total assets	79.5651%	1,047
Net loans and leases to deposits	90.5493%	1,741
Net loans and leases to core deposits	97.0697%	1,974
Total domestic deposits to total assets	87.8694%	1,433
Equity capital to assets	9.0689%	4,851
Core capital (leverage) ratio	8.4406%	5,282
Tier 1 risk-based capital ratio	8.7318%	5,707
Total risk-based capital ratio	10.5516%	5,676
Memoranda:
Average total assets	$520,707,500	1,356
Average earning assets	$466,622,500	1,401
Average equity	$45,181,000	1,672
Average total loans	$399,825,750	1,242
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3874%	1,859
Cost of funding earning assets	1.2585%	45
Net interest margin	3.1289%	4,606
Noninterest income to average assets	1.5447%	455
Noninterest expense to average assets	2.9982%	2,113
Loan and lease loss provision to assets	0.2288%	755
Net operating income to assets	0.6785%	3,942
Return on assets (ROA)	0.6785%	4,010
Pretax return on assets	1.1282%	3,059
Return on Equity (ROE)	7.9360%	3,069
Retained earnings to average equity (ytd only)	7.9360%	1,194
Net charge-offs to loans	0.0318%	2,567
Credit loss provision to net charge-offs	952.3810%	398
Earnings coverage of net charge-offs (x)	56.4762%	990
Efficiency ratio	68.7801%	2,873
Assets per employee ($millions)	4.9629%	2,436
Cash dividends to net income (ytd only)*	0.0000%	3,521
Condition Ratios (%)
Loss allowance to loans	1.0230%	4,008
Loan loss allowance to noncurrent loans	124.9469%	3,146
Noncurrent assets plus other real estate owned to assets	0.9581%	1,829
Noncurrent loans to loans	0.8188%	2,354
Net loans and leases to total assets	78.6861%	1,140
Net loans and leases to deposits	89.6356%	1,786
Net loans and leases to core deposits	95.9992%	1,979
Total domestic deposits to total assets	87.7844%	1,576
Equity capital to assets	9.0618%	4,836
Core capital (leverage) ratio	8.3988%	5,284
Tier 1 risk-based capital ratio	8.9661%	5,744
Total risk-based capital ratio	10.8789%	5,671
Memoranda:
Average total assets	$524,380,670	1,353
Average earning assets	$471,030,330	1,398
Average equity	$44,833,670	1,683
Average total loans	$396,596,330	1,249
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2117%	2,234
Cost of funding earning assets	1.2364%	49
Net interest margin	2.9753%	4,941
Noninterest income to average assets	1.1690%	742
Noninterest expense to average assets	2.9220%	2,393
Loan and lease loss provision to assets	0.2249%	698
Net operating income to assets	0.4236%	4,878
Return on assets (ROA)	0.4236%	4,899
Pretax return on assets	0.7033%	4,441
Return on Equity (ROE)	5.0999%	4,338
Retained earnings to average equity (ytd only)	5.0999%	2,828
Net charge-offs to loans	0.0559%	1,772
Credit loss provision to net charge-offs	545.4545%	543
Earnings coverage of net charge-offs (x)	22.5091%	1,413
Efficiency ratio	75.8325%	1,931
Assets per employee ($millions)	5.3085%	2,066
Cash dividends to net income (ytd only)*	0.0000%	2,824
Condition Ratios (%)
Loss allowance to loans	0.9664%	4,462
Loan loss allowance to noncurrent loans	92.2799%	3,760
Noncurrent assets plus other real estate owned to assets	0.7968%	2,306
Noncurrent loans to loans	1.0473%	1,966
Net loans and leases to total assets	75.3441%	1,520
Net loans and leases to deposits	85.1937%	2,132
Net loans and leases to core deposits	90.9436%	2,276
Total domestic deposits to total assets	88.4385%	1,465
Equity capital to assets	8.5763%	5,183
Core capital (leverage) ratio	7.8507%	5,610
Tier 1 risk-based capital ratio	8.7294%	5,818
Total risk-based capital ratio	10.5867%	5,778
Memoranda:
Average total assets	$533,464,000	1,333
Average earning assets	$480,760,000	1,372
Average equity	$44,314,500	1,702
Average total loans	$393,676,000	1,259
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3375%	2,021
Cost of funding earning assets	1.0044%	166
Net interest margin	3.3331%	4,046
Noninterest income to average assets	1.5569%	497
Noninterest expense to average assets	3.0033%	2,344
Loan and lease loss provision to assets	0.2938%	648
Net operating income to assets	0.9119%	2,762
Return on assets (ROA)	0.9119%	2,872
Pretax return on assets	1.3193%	2,212
Return on Equity (ROE)	10.2539%	1,862
Retained earnings to average equity (ytd only)	5.4057%	2,076
Net charge-offs to loans	0.3035%	907
Credit loss provision to net charge-offs	125.3910%	2,133
Earnings coverage of net charge-offs (x)	6.8841%	3,102
Efficiency ratio	64.9965%	3,763
Assets per employee ($millions)	5.6360%	1,755
Cash dividends to net income (ytd only)*	47.2813%	2,446
Condition Ratios (%)
Loss allowance to loans	0.9143%	4,730
Loan loss allowance to noncurrent loans	160.1790%	2,673
Noncurrent assets plus other real estate owned to assets	0.4088%	3,639
Noncurrent loans to loans	0.5708%	3,127
Net loans and leases to total assets	70.9687%	2,336
Net loans and leases to deposits	79.5902%	2,927
Net loans and leases to core deposits	85.9454%	2,855
Total domestic deposits to total assets	89.1676%	1,029
Equity capital to assets	8.0506%	5,539
Core capital (leverage) ratio	8.3509%	5,402
Tier 1 risk-based capital ratio	8.8311%	5,862
Total risk-based capital ratio	10.7048%	5,817
Memoranda:
Average total assets	$463,883,600	1,468
Average earning assets	$425,817,400	1,483
Average equity	$41,252,600	1,791
Average total loans	$358,152,400	1,312
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3547%	1,986
Cost of funding earning assets	0.9858%	182
Net interest margin	3.3689%	3,960
Noninterest income to average assets	1.4212%	588
Noninterest expense to average assets	3.0506%	2,162
Loan and lease loss provision to assets	0.2482%	763
Net operating income to assets	0.8255%	3,256
Return on assets (ROA)	0.8255%	3,383
Pretax return on assets	1.2314%	2,697
Return on Equity (ROE)	9.0196%	2,476
Retained earnings to average equity (ytd only)	9.0196%	813
Net charge-offs to loans	0.1460%	1,535
Credit loss provision to net charge-offs	215.4047%	1,364
Earnings coverage of net charge-offs (x)	12.8408%	2,352
Efficiency ratio	67.2732%	3,365
Assets per employee ($millions)	4.9239%	2,458
Cash dividends to net income (ytd only)*	0.0000%	3,760
Condition Ratios (%)
Loss allowance to loans	0.9929%	4,452
Loan loss allowance to noncurrent loans	98.3460%	3,655
Noncurrent assets plus other real estate owned to assets	0.9192%	2,262
Noncurrent loans to loans	1.0096%	2,224
Net loans and leases to total assets	81.5725%	678
Net loans and leases to deposits	97.6019%	893
Net loans and leases to core deposits	107.4552%	1,083
Total domestic deposits to total assets	83.5768%	3,366
Equity capital to assets	9.7150%	4,453
Core capital (leverage) ratio	9.1296%	4,683
Tier 1 risk-based capital ratio	9.1997%	5,908
Total risk-based capital ratio	10.0305%	5,932
Memoranda:
Average total assets	$443,181,500	1,532
Average earning assets	$408,989,750	1,534
Average equity	$40,562,750	1,839
Average total loans	$349,800,500	1,339
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2773%	2,226
Cost of funding earning assets	0.9594%	210
Net interest margin	3.3180%	4,165
Noninterest income to average assets	1.4991%	528
Noninterest expense to average assets	3.1926%	1,830
Loan and lease loss provision to assets	0.2510%	768
Net operating income to assets	0.7274%	3,666
Return on assets (ROA)	0.7274%	3,818
Pretax return on assets	1.1363%	3,053
Return on Equity (ROE)	8.1213%	2,930
Retained earnings to average equity (ytd only)	8.1213%	1,139
Net charge-offs to loans	-0.0100%	4,694
Credit loss provision to net charge-offs	-3,235.2941%	5,274
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.6393%	3,038
Assets per employee ($millions)	4.6292%	2,825
Cash dividends to net income (ytd only)*	0.0000%	3,619
Condition Ratios (%)
Loss allowance to loans	1.0552%	4,193
Loan loss allowance to noncurrent loans	298.4580%	1,645
Noncurrent assets plus other real estate owned to assets	0.3779%	3,974
Noncurrent loans to loans	0.3536%	4,106
Net loans and leases to total assets	80.8332%	783
Net loans and leases to deposits	94.8143%	1,205
Net loans and leases to core deposits	104.2571%	1,296
Total domestic deposits to total assets	85.2542%	2,755
Equity capital to assets	9.2084%	5,061
Core capital (leverage) ratio	8.9326%	4,903
Tier 1 risk-based capital ratio	9.1073%	5,992
Total risk-based capital ratio	10.0268%	6,005
Memoranda:
Average total assets	$438,268,670	1,549
Average earning assets	$406,936,670	1,543
Average equity	$39,254,670	1,889
Average total loans	$340,639,670	1,371
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2708%	2,235
Cost of funding earning assets	0.9711%	201
Net interest margin	3.2998%	4,217
Noninterest income to average assets	1.3916%	571
Noninterest expense to average assets	3.1713%	1,903
Loan and lease loss provision to assets	0.2541%	684
Net operating income to assets	0.6542%	3,957
Return on assets (ROA)	0.6542%	4,077
Pretax return on assets	1.0340%	3,346
Return on Equity (ROE)	7.4122%	3,234
Retained earnings to average equity (ytd only)	7.4122%	1,701
Net charge-offs to loans	-0.0232%	4,938
Credit loss provision to net charge-offs	-1,447.3684%	4,808
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	71.0526%	2,953
Assets per employee ($millions)	4.7653%	2,648
Cash dividends to net income (ytd only)*	0.0000%	2,863
Condition Ratios (%)
Loss allowance to loans	1.0888%	4,115
Loan loss allowance to noncurrent loans	331.6129%	1,482
Noncurrent assets plus other real estate owned to assets	0.3315%	4,237
Noncurrent loans to loans	0.3283%	4,262
Net loans and leases to total assets	72.9661%	1,889
Net loans and leases to deposits	86.9222%	1,951
Net loans and leases to core deposits	95.7352%	1,824
Total domestic deposits to total assets	83.9442%	3,542
Equity capital to assets	8.6340%	5,471
Core capital (leverage) ratio	8.2923%	5,579
Tier 1 risk-based capital ratio	9.2416%	6,042
Total risk-based capital ratio	10.1735%	6,057
Memoranda:
Average total assets	$432,884,500	1,570
Average earning assets	$402,450,000	1,557
Average equity	$38,207,500	1,924
Average total loans	$327,538,500	1,411
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3188%	2,156
Cost of funding earning assets	0.9595%	212
Net interest margin	3.3594%	4,079
Noninterest income to average assets	1.7684%	427
Noninterest expense to average assets	3.1417%	2,110
Loan and lease loss provision to assets	0.2361%	820
Net operating income to assets	0.9283%	2,710
Return on assets (ROA)	0.9283%	2,804
Pretax return on assets	1.5286%	1,468
Return on Equity (ROE)	10.4299%	1,834
Retained earnings to average equity (ytd only)	10.4299%	403
Net charge-offs to loans	0.1636%	1,731
Credit loss provision to net charge-offs	179.6407%	1,512
Earnings coverage of net charge-offs (x)	13.4251%	2,371
Efficiency ratio	63.9626%	4,271
Assets per employee ($millions)	4.5915%	2,894
Cash dividends to net income (ytd only)*	0.0000%	4,258
Condition Ratios (%)
Loss allowance to loans	1.0178%	4,496
Loan loss allowance to noncurrent loans	12,707.6923%	85
Noncurrent assets plus other real estate owned to assets	0.1020%	5,197
Noncurrent loans to loans	0.0080%	5,509
Net loans and leases to total assets	76.9048%	1,266
Net loans and leases to deposits	86.2250%	2,102
Net loans and leases to core deposits	93.8801%	2,057
Total domestic deposits to total assets	89.1908%	1,026
Equity capital to assets	9.0324%	5,092
Core capital (leverage) ratio	8.1941%	5,705
Tier 1 risk-based capital ratio	9.2143%	6,083
Total risk-based capital ratio	10.0924%	6,110
Memoranda:
Average total assets	$381,125,400	1,725
Average earning assets	$356,021,200	1,699
Average equity	$33,921,800	2,100
Average total loans	$306,231,800	1,449
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2921%	2,258
Cost of funding earning assets	0.9456%	228
Net interest margin	3.3465%	4,155
Noninterest income to average assets	1.4421%	596
Noninterest expense to average assets	3.0233%	2,452
Loan and lease loss provision to assets	0.1613%	1,331
Net operating income to assets	0.8234%	3,313
Return on assets (ROA)	0.8234%	3,395
Pretax return on assets	1.3873%	2,070
Return on Equity (ROE)	9.2898%	2,425
Retained earnings to average equity (ytd only)	9.2898%	794
Net charge-offs to loans	0.0292%	3,349
Credit loss provision to net charge-offs	681.8182%	498
Earnings coverage of net charge-offs (x)	65.4530%	856
Efficiency ratio	66.0499%	3,882
Assets per employee ($millions)	4.8647%	2,464
Cash dividends to net income (ytd only)*	0.0000%	3,801
Condition Ratios (%)
Loss allowance to loans	1.0363%	4,548
Loan loss allowance to noncurrent loans	334.9287%	1,463
Noncurrent assets plus other real estate owned to assets	0.2997%	4,570
Noncurrent loans to loans	0.3094%	4,497
Net loans and leases to total assets	77.7928%	1,134
Net loans and leases to deposits	87.4714%	1,974
Net loans and leases to core deposits	95.3268%	1,943
Total domestic deposits to total assets	88.9352%	1,059
Equity capital to assets	9.0379%	5,272
Core capital (leverage) ratio	8.5385%	5,523
Tier 1 risk-based capital ratio	9.1921%	6,180
Total risk-based capital ratio	10.0892%	6,194
Memoranda:
Average total assets	$371,949,000	1,778
Average earning assets	$347,853,000	1,758
Average equity	$32,967,250	2,166
Average total loans	$301,630,750	1,474
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2951%	2,182
Cost of funding earning assets	0.9424%	231
Net interest margin	3.3527%	4,097
Noninterest income to average assets	1.1540%	899
Noninterest expense to average assets	3.0270%	2,474
Loan and lease loss provision to assets	0.1660%	1,263
Net operating income to assets	0.6631%	4,068
Return on assets (ROA)	0.6631%	4,170
Pretax return on assets	1.0976%	3,184
Return on Equity (ROE)	7.5364%	3,303
Retained earnings to average equity (ytd only)	7.5364%	1,456
Net charge-offs to loans	0.0189%	3,316
Credit loss provision to net charge-offs	1,071.4286%	326
Earnings coverage of net charge-offs (x)	81.5357%	695
Efficiency ratio	70.4592%	3,265
Assets per employee ($millions)	4.7891%	2,558
Cash dividends to net income (ytd only)*	0.0000%	3,641
Condition Ratios (%)
Loss allowance to loans	1.0365%	4,677
Loan loss allowance to noncurrent loans	250.9479%	1,877
Noncurrent assets plus other real estate owned to assets	0.3304%	4,558
Noncurrent loans to loans	0.4130%	4,241
Net loans and leases to total assets	79.1735%	914
Net loans and leases to deposits	88.9854%	1,720
Net loans and leases to core deposits	97.5300%	1,685
Total domestic deposits to total assets	88.9737%	1,154
Equity capital to assets	8.7078%	5,517
Core capital (leverage) ratio	8.4081%	5,626
Tier 1 risk-based capital ratio	9.2186%	6,236
Total risk-based capital ratio	10.1766%	6,249
Memoranda:
Average total assets	$361,343,330	1,834
Average earning assets	$338,058,000	1,817
Average equity	$31,792,330	2,231
Average total loans	$296,377,670	1,496
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3152%	2,048
Cost of funding earning assets	0.9228%	254
Net interest margin	3.3924%	3,874
Noninterest income to average assets	0.7168%	2,085
Noninterest expense to average assets	3.0897%	2,302
Loan and lease loss provision to assets	0.1712%	1,152
Net operating income to assets	0.3652%	5,205
Return on assets (ROA)	0.3652%	5,322
Pretax return on assets	0.6323%	4,823
Return on Equity (ROE)	4.1280%	4,931
Retained earnings to average equity (ytd only)	4.1280%	3,529
Net charge-offs to loans	0.0467%	2,327
Credit loss provision to net charge-offs	441.1765%	606
Earnings coverage of net charge-offs (x)	20.7059%	1,405
Efficiency ratio	79.2729%	1,988
Assets per employee ($millions)	4.7000%	2,765
Cash dividends to net income (ytd only)*	0.0000%	2,870
Condition Ratios (%)
Loss allowance to loans	1.0132%	4,951
Loan loss allowance to noncurrent loans	397.5000%	1,209
Noncurrent assets plus other real estate owned to assets	0.2128%	5,096
Noncurrent loans to loans	0.2549%	4,872
Net loans and leases to total assets	82.6250%	404
Net loans and leases to deposits	93.9570%	986
Net loans and leases to core deposits	104.9802%	1,001
Total domestic deposits to total assets	87.9391%	1,867
Equity capital to assets	9.0228%	5,258
Core capital (leverage) ratio	8.6574%	5,368
Tier 1 risk-based capital ratio	9.2458%	6,296
Total risk-based capital ratio	10.1947%	6,315
Memoranda:
Average total assets	$350,451,000	1,894
Average earning assets	$328,141,500	1,880
Average equity	$31,007,500	2,293
Average total loans	$291,310,000	1,514
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4634%	2,016
Cost of funding earning assets	0.9496%	289
Net interest margin	3.5138%	3,741
Noninterest income to average assets	1.5417%	520
Noninterest expense to average assets	3.1835%	2,252
Loan and lease loss provision to assets	0.2823%	746
Net operating income to assets	0.7356%	3,708
Return on assets (ROA)	0.7356%	3,816
Pretax return on assets	1.2752%	2,326
Return on Equity (ROE)	8.3970%	2,910
Retained earnings to average equity (ytd only)	8.3970%	871
Net charge-offs to loans	0.0396%	4,033
Credit loss provision to net charge-offs	886.5979%	306
Earnings coverage of net charge-offs (x)	48.9175%	941
Efficiency ratio	67.0590%	4,048
Assets per employee ($millions)	4.4637%	3,089
Cash dividends to net income (ytd only)*	0.0000%	4,317
Condition Ratios (%)
Loss allowance to loans	1.0212%	4,942
Loan loss allowance to noncurrent loans	2,640.9091%	264
Noncurrent assets plus other real estate owned to assets	0.0320%	5,917
Noncurrent loans to loans	0.0387%	5,725
Net loans and leases to total assets	81.9191%	530
Net loans and leases to deposits	98.3495%	735
Net loans and leases to core deposits	105.3143%	1,055
Total domestic deposits to total assets	83.2938%	3,980
Equity capital to assets	8.6662%	5,600
Core capital (leverage) ratio	8.4469%	5,614
Tier 1 risk-based capital ratio	9.3223%	6,377
Total risk-based capital ratio	10.3264%	6,384
Memoranda:
Average total assets	$304,663,400	2,132
Average earning assets	$277,388,600	2,153
Average equity	$26,688,200	2,515
Average total loans	$245,246,400	1,717
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4578%	2,023
Cost of funding earning assets	0.9583%	294
Net interest margin	3.4995%	3,831
Noninterest income to average assets	1.4739%	578
Noninterest expense to average assets	3.1223%	2,401
Loan and lease loss provision to assets	0.2035%	1,157
Net operating income to assets	0.7519%	3,662
Return on assets (ROA)	0.7519%	3,757
Pretax return on assets	1.3066%	2,349
Return on Equity (ROE)	8.5564%	2,926
Retained earnings to average equity (ytd only)	8.5564%	1,139
Net charge-offs to loans	0.0379%	3,740
Credit loss provision to net charge-offs	671.6418%	447
Earnings coverage of net charge-offs (x)	49.8513%	979
Efficiency ratio	67.3043%	3,989
Assets per employee ($millions)	4.6992%	2,672
Cash dividends to net income (ytd only)*	0.0000%	3,806
Condition Ratios (%)
Loss allowance to loans	0.9775%	5,305
Loan loss allowance to noncurrent loans	2,274.7748%	271
Noncurrent assets plus other real estate owned to assets	0.0541%	5,932
Noncurrent loans to loans	0.0430%	5,839
Net loans and leases to total assets	80.0518%	707
Net loans and leases to deposits	93.2892%	1,097
Net loans and leases to core deposits	99.6389%	1,403
Total domestic deposits to total assets	85.8104%	2,951
Equity capital to assets	8.6658%	5,671
Core capital (leverage) ratio	8.6773%	5,469
Tier 1 risk-based capital ratio	9.2465%	6,459
Total risk-based capital ratio	10.1853%	6,481
Memoranda:
Average total assets	$294,903,000	2,197
Average earning assets	$266,166,250	2,238
Average equity	$25,913,750	2,588
Average total loans	$235,441,750	1,797
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4781%	1,901
Cost of funding earning assets	0.9870%	273
Net interest margin	3.4912%	3,818
Noninterest income to average assets	1.3994%	618
Noninterest expense to average assets	3.0758%	2,581
Loan and lease loss provision to assets	0.2093%	1,139
Net operating income to assets	0.7137%	3,767
Return on assets (ROA)	0.7137%	3,858
Pretax return on assets	1.2285%	2,539
Return on Equity (ROE)	8.0801%	3,045
Retained earnings to average equity (ytd only)	8.0801%	1,297
Net charge-offs to loans	0.0615%	3,101
Credit loss provision to net charge-offs	428.5714%	652
Earnings coverage of net charge-offs (x)	29.4429%	1,269
Efficiency ratio	68.0371%	4,001
Assets per employee ($millions)	4.5402%	2,863
Cash dividends to net income (ytd only)*	0.0000%	3,638
Condition Ratios (%)
Loss allowance to loans	0.9917%	5,391
Loan loss allowance to noncurrent loans	3,294.4444%	182
Noncurrent assets plus other real estate owned to assets	0.0244%	6,147
Noncurrent loans to loans	0.0301%	5,969
Net loans and leases to total assets	80.2459%	658
Net loans and leases to deposits	97.8344%	680
Net loans and leases to core deposits	105.1408%	952
Total domestic deposits to total assets	82.0222%	4,638
Equity capital to assets	8.8220%	5,501
Core capital (leverage) ratio	8.5425%	5,593
Tier 1 risk-based capital ratio	9.2217%	6,520
Total risk-based capital ratio	10.1641%	6,536
Memoranda:
Average total assets	$286,689,670	2,244
Average earning assets	$255,731,670	2,311
Average equity	$25,321,330	2,627
Average total loans	$227,814,000	1,841
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4709%	1,900
Cost of funding earning assets	1.0324%	240
Net interest margin	3.4385%	3,945
Noninterest income to average assets	1.4571%	553
Noninterest expense to average assets	3.0785%	2,593
Loan and lease loss provision to assets	0.2124%	1,082
Net operating income to assets	0.6485%	3,957
Return on assets (ROA)	0.6485%	4,052
Pretax return on assets	1.1753%	2,586
Return on Equity (ROE)	7.3384%	3,291
Retained earnings to average equity (ytd only)	7.3384%	1,886
Net charge-offs to loans	-0.0036%	4,766
Credit loss provision to net charge-offs	-7,500.0000%	5,625
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	68.8332%	4,037
Assets per employee ($millions)	4.4733%	3,015
Cash dividends to net income (ytd only)*	0.0000%	2,852
Condition Ratios (%)
Loss allowance to loans	1.0034%	5,508
Loan loss allowance to noncurrent loans	1,944.9153%	295
Noncurrent assets plus other real estate owned to assets	0.0603%	6,092
Noncurrent loans to loans	0.0516%	5,994
Net loans and leases to total assets	80.3413%	511
Net loans and leases to deposits	94.5555%	740
Net loans and leases to core deposits	101.7010%	1,002
Total domestic deposits to total assets	84.9673%	3,884
Equity capital to assets	9.0317%	5,086
Core capital (leverage) ratio	8.2808%	5,862
Tier 1 risk-based capital ratio	9.4103%	6,562
Total risk-based capital ratio	10.3648%	6,580
Memoranda:
Average total assets	$282,477,500	2,283
Average earning assets	$247,201,000	2,378
Average equity	$24,964,500	2,649
Average total loans	$222,126,500	1,889
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7079%	1,549
Cost of funding earning assets	1.1179%	256
Net interest margin	3.5900%	3,506
Noninterest income to average assets	1.3006%	820
Noninterest expense to average assets	3.3210%	2,087
Loan and lease loss provision to assets	0.2362%	1,529
Net operating income to assets	0.5414%	4,552
Return on assets (ROA)	0.5414%	4,673
Pretax return on assets	0.8311%	4,026
Return on Equity (ROE)	6.0520%	4,052
Retained earnings to average equity (ytd only)	6.0520%	1,935
Net charge-offs to loans	0.0633%	4,329
Credit loss provision to net charge-offs	491.3043%	472
Earnings coverage of net charge-offs (x)	22.2000%	1,459
Efficiency ratio	75.2120%	2,915
Assets per employee ($millions)	4.3559%	3,161
Cash dividends to net income (ytd only)*	0.0000%	4,285
Condition Ratios (%)
Loss allowance to loans	0.9938%	5,605
Loan loss allowance to noncurrent loans	3,346.8750%	189
Noncurrent assets plus other real estate owned to assets	0.0410%	6,250
Noncurrent loans to loans	0.0297%	6,164
Net loans and leases to total assets	75.3698%	1,171
Net loans and leases to deposits	93.4330%	918
Net loans and leases to core deposits	100.7298%	1,100
Total domestic deposits to total assets	80.6672%	5,276
Equity capital to assets	8.6446%	5,430
Core capital (leverage) ratio	8.5889%	5,559
Tier 1 risk-based capital ratio	9.2870%	6,633
Total risk-based capital ratio	10.2060%	6,653
Memoranda:
Average total assets	$239,202,600	2,624
Average earning assets	$205,740,800	2,772
Average equity	$21,398,000	2,991
Average total loans	$181,624,600	2,177
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6758%	1,662
Cost of funding earning assets	1.1221%	275
Net interest margin	3.5537%	3,638
Noninterest income to average assets	1.2689%	914
Noninterest expense to average assets	3.3867%	1,857
Loan and lease loss provision to assets	0.1870%	1,952
Net operating income to assets	0.5118%	4,749
Return on assets (ROA)	0.5118%	4,905
Pretax return on assets	0.7852%	4,352
Return on Equity (ROE)	5.6619%	4,378
Retained earnings to average equity (ytd only)	5.6619%	2,628
Net charge-offs to loans	0.0200%	4,732
Credit loss provision to net charge-offs	1,230.7692%	260
Earnings coverage of net charge-offs (x)	63.9922%	714
Efficiency ratio	77.3623%	2,504
Assets per employee ($millions)	4.1935%	3,438
Cash dividends to net income (ytd only)*	0.0000%	3,738
Condition Ratios (%)
Loss allowance to loans	1.0156%	5,649
Loan loss allowance to noncurrent loans	1,168.2353%	411
Noncurrent assets plus other real estate owned to assets	0.0665%	6,244
Noncurrent loans to loans	0.0869%	6,072
Net loans and leases to total assets	75.6675%	1,049
Net loans and leases to deposits	89.8411%	1,184
Net loans and leases to core deposits	97.3128%	1,284
Total domestic deposits to total assets	84.2237%	4,100
Equity capital to assets	9.1039%	5,054
Core capital (leverage) ratio	9.2105%	4,819
Tier 1 risk-based capital ratio	9.9340%	6,609
Total risk-based capital ratio	10.8985%	6,646
Memoranda:
Average total assets	$228,219,250	2,758
Average earning assets	$198,435,750	2,868
Average equity	$20,628,500	3,121
Average total loans	$173,145,500	2,277
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6908%	1,594
Cost of funding earning assets	1.1600%	245
Net interest margin	3.5308%	3,653
Noninterest income to average assets	1.0465%	1,392
Noninterest expense to average assets	3.3567%	1,914
Loan and lease loss provision to assets	0.1644%	2,276
Net operating income to assets	0.3762%	5,302
Return on assets (ROA)	0.3762%	5,470
Pretax return on assets	0.5744%	5,115
Return on Equity (ROE)	4.1738%	5,147
Retained earnings to average equity (ytd only)	4.1738%	3,634
Net charge-offs to loans	0.0254%	4,343
Credit loss provision to net charge-offs	857.1429%	353
Earnings coverage of net charge-offs (x)	38.5238%	955
Efficiency ratio	81.5831%	1,951
Assets per employee ($millions)	3.9477%	3,916
Cash dividends to net income (ytd only)*	0.0000%	3,522
Condition Ratios (%)
Loss allowance to loans	1.0428%	5,661
Loan loss allowance to noncurrent loans	1,045.7627%	450
Noncurrent assets plus other real estate owned to assets	0.0861%	6,241
Noncurrent loans to loans	0.0997%	6,098
Net loans and leases to total assets	74.1582%	1,226
Net loans and leases to deposits	95.6263%	699
Net loans and leases to core deposits	103.0628%	881
Total domestic deposits to total assets	77.5500%	6,060
Equity capital to assets	8.7831%	5,459
Core capital (leverage) ratio	8.5831%	5,576
Tier 1 risk-based capital ratio	9.4979%	6,721
Total risk-based capital ratio	10.4764%	6,739
Memoranda:
Average total assets	$219,025,000	2,855
Average earning assets	$189,136,670	3,004
Average equity	$19,742,000	3,229
Average total loans	$165,679,000	2,358
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6013%	1,819
Cost of funding earning assets	1.1349%	312
Net interest margin	3.4665%	3,833
Noninterest income to average assets	1.1366%	1,160
Noninterest expense to average assets	3.4725%	1,678
Loan and lease loss provision to assets	0.1713%	2,150
Net operating income to assets	0.3846%	5,185
Return on assets (ROA)	0.3846%	5,329
Pretax return on assets	0.5864%	4,999
Return on Equity (ROE)	4.2059%	4,995
Retained earnings to average equity (ytd only)	4.2059%	3,699
Net charge-offs to loans	-0.0125%	5,520
Credit loss provision to net charge-offs	-1,800.0000%	5,746
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	81.9532%	2,043
Assets per employee ($millions)	4.0567%	3,834
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	1.0897%	5,645
Loan loss allowance to noncurrent loans	1,051.1765%	455
Noncurrent assets plus other real estate owned to assets	0.0916%	6,315
Noncurrent loans to loans	0.1037%	6,166
Net loans and leases to total assets	75.4428%	906
Net loans and leases to deposits	88.7676%	1,075
Net loans and leases to core deposits	95.2617%	1,249
Total domestic deposits to total assets	84.9891%	4,046
Equity capital to assets	9.1031%	5,364
Core capital (leverage) ratio	8.5153%	5,569
Tier 1 risk-based capital ratio	9.6424%	6,742
Total risk-based capital ratio	10.6722%	6,766
Memoranda:
Average total assets	$210,105,500	2,979
Average earning assets	$187,510,500	3,049
Average equity	$19,211,000	3,348
Average total loans	$159,766,000	2,451
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8938%	1,858
Cost of funding earning assets	1.3535%	301
Net interest margin	3.5402%	4,344
Noninterest income to average assets	1.6373%	591
Noninterest expense to average assets	4.0055%	967
Loan and lease loss provision to assets	0.2790%	2,422
Net operating income to assets	0.5369%	4,529
Return on assets (ROA)	0.5369%	4,790
Pretax return on assets	0.5245%	5,208
Return on Equity (ROE)	5.4747%	4,438
Retained earnings to average equity (ytd only)	5.4747%	2,396
Net charge-offs to loans	-0.0134%	6,508
Credit loss provision to net charge-offs	-2,812.5000%	6,653
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	83.1249%	1,729
Assets per employee ($millions)	3.8718%	4,224
Cash dividends to net income (ytd only)*	0.0000%	4,298
Condition Ratios (%)
Loss allowance to loans	1.0878%	5,602
Loan loss allowance to noncurrent loans	668.7747%	637
Noncurrent assets plus other real estate owned to assets	0.1233%	6,262
Noncurrent loans to loans	0.1627%	6,072
Net loans and leases to total assets	74.9721%	1,055
Net loans and leases to deposits	89.5757%	1,113
Net loans and leases to core deposits	96.2633%	1,280
Total domestic deposits to total assets	83.6969%	4,449
Equity capital to assets	9.1858%	5,285
Core capital (leverage) ratio	8.9204%	5,014
Tier 1 risk-based capital ratio	9.7203%	6,766
Total risk-based capital ratio	10.7478%	6,794
Memoranda:
Average total assets	$161,301,200	3,601
Average earning assets	$144,510,400	3,651
Average equity	$15,818,200	3,804
Average total loans	$119,298,800	3,095
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9407%	1,860
Cost of funding earning assets	1.4353%	260
Net interest margin	3.5054%	4,620
Noninterest income to average assets	1.5344%	630
Noninterest expense to average assets	3.8334%	1,154
Loan and lease loss provision to assets	0.1330%	3,881
Net operating income to assets	0.5632%	4,555
Return on assets (ROA)	0.5632%	4,823
Pretax return on assets	0.7069%	4,835
Return on Equity (ROE)	5.6218%	4,520
Retained earnings to average equity (ytd only)	5.6218%	2,940
Net charge-offs to loans	-0.0036%	6,240
Credit loss provision to net charge-offs	-5,000.0000%	6,666
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	81.8372%	1,827
Assets per employee ($millions)	3.3242%	5,386
Cash dividends to net income (ytd only)*	0.0000%	3,713
Condition Ratios (%)
Loss allowance to loans	1.0512%	5,887
Loan loss allowance to noncurrent loans	612.8889%	645
Noncurrent assets plus other real estate owned to assets	0.1584%	6,309
Noncurrent loans to loans	0.1715%	6,180
Net loans and leases to total assets	73.6754%	1,294
Net loans and leases to deposits	90.5206%	1,094
Net loans and leases to core deposits	95.8797%	1,419
Total domestic deposits to total assets	81.3907%	5,238
Equity capital to assets	9.4250%	5,299
Core capital (leverage) ratio	8.6029%	5,615
Tier 1 risk-based capital ratio	9.8238%	6,839
Total risk-based capital ratio	10.8084%	6,879
Memoranda:
Average total assets	$150,324,750	3,815
Average earning assets	$134,607,000	3,859
Average equity	$15,060,250	3,985
Average total loans	$110,238,500	3,323
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1320%	1,420
Cost of funding earning assets	1.5149%	229
Net interest margin	3.6170%	4,190
Noninterest income to average assets	1.6372%	550
Noninterest expense to average assets	4.0464%	890
Loan and lease loss provision to assets	0.0000%	5,619
Net operating income to assets	0.5773%	4,459
Return on assets (ROA)	0.5773%	4,732
Pretax return on assets	0.7988%	4,478
Return on Equity (ROE)	5.6238%	4,514
Retained earnings to average equity (ytd only)	5.6238%	2,915
Net charge-offs to loans	0.0019%	5,491
Credit loss provision to net charge-offs	0.0000%	4,809
Earnings coverage of net charge-offs (x)	566.0000%	68
Efficiency ratio	83.3091%	1,703
Assets per employee ($millions)	3.0993%	5,857
Cash dividends to net income (ytd only)*	0.0000%	3,523
Condition Ratios (%)
Loss allowance to loans	1.1581%	5,539
Loan loss allowance to noncurrent loans	491.9679%	733
Noncurrent assets plus other real estate owned to assets	0.1995%	6,284
Noncurrent loans to loans	0.2354%	6,102
Net loans and leases to total assets	68.8478%	2,130
Net loans and leases to deposits	80.1341%	2,361
Net loans and leases to core deposits	86.1031%	2,417
Total domestic deposits to total assets	85.9157%	3,395
Equity capital to assets	10.1189%	4,162
Core capital (leverage) ratio	8.5134%	5,634
Tier 1 risk-based capital ratio	11.0919%	6,455
Total risk-based capital ratio	12.1774%	6,513
Memoranda:
Average total assets	$141,706,000	3,976
Average earning assets	$125,682,670	4,041
Average equity	$14,545,330	4,079
Average total loans	$103,257,670	3,490
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3550%	998
Cost of funding earning assets	1.5633%	219
Net interest margin	3.7918%	3,428
Noninterest income to average assets	1.4375%	699
Noninterest expense to average assets	3.9875%	952
Loan and lease loss provision to assets	0.0000%	5,254
Net operating income to assets	0.5241%	4,716
Return on assets (ROA)	0.5241%	4,926
Pretax return on assets	0.7875%	4,463
Return on Equity (ROE)	5.0656%	4,758
Retained earnings to average equity (ytd only)	5.0656%	3,517
Net charge-offs to loans	-0.0314%	6,363
Credit loss provision to net charge-offs	0.0000%	3,998
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	83.3231%	1,758
Assets per employee ($millions)	3.4134%	5,315
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	1.1706%	5,638
Loan loss allowance to noncurrent loans	472.7969%	713
Noncurrent assets plus other real estate owned to assets	0.2146%	6,348
Noncurrent loans to loans	0.2476%	6,192
Net loans and leases to total assets	70.9798%	1,578
Net loans and leases to deposits	82.7748%	1,820
Net loans and leases to core deposits	90.7232%	1,779
Total domestic deposits to total assets	85.7505%	3,658
Equity capital to assets	10.3061%	3,722
Core capital (leverage) ratio	9.1457%	4,614
Tier 1 risk-based capital ratio	11.0515%	6,512
Total risk-based capital ratio	12.1626%	6,563
Memoranda:
Average total assets	$136,627,000	4,097
Average earning assets	$120,260,500	4,187
Average equity	$14,134,500	4,179
Average total loans	$101,996,500	3,542
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2263%	1,957
Cost of funding earning assets	1.7010%	319
Net interest margin	3.5253%	5,045
Noninterest income to average assets	1.4602%	608
Noninterest expense to average assets	3.7427%	1,457
Loan and lease loss provision to assets	0.3235%	3,098
Net operating income to assets	0.4283%	4,741
Return on assets (ROA)	0.4283%	4,936
Pretax return on assets	0.5946%	4,713
Return on Equity (ROE)	3.8556%	4,921
Retained earnings to average equity (ytd only)	3.8556%	3,467
Net charge-offs to loans	-0.0012%	6,790
Credit loss provision to net charge-offs	-35,800.0000%	6,971
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	80.0504%	2,291
Assets per employee ($millions)	3.0848%	5,924
Cash dividends to net income (ytd only)*	0.0000%	4,078
Condition Ratios (%)
Loss allowance to loans	1.2437%	5,209
Loan loss allowance to noncurrent loans	437.8571%	770
Noncurrent assets plus other real estate owned to assets	0.2641%	6,306
Noncurrent loans to loans	0.2840%	6,157
Net loans and leases to total assets	76.9713%	830
Net loans and leases to deposits	92.3161%	940
Net loans and leases to core deposits	99.9025%	1,189
Total domestic deposits to total assets	83.3780%	4,599
Equity capital to assets	10.3908%	3,666
Core capital (leverage) ratio	8.3318%	5,812
Tier 1 risk-based capital ratio	9.8544%	6,887
Total risk-based capital ratio	11.0289%	6,896
Memoranda:
Average total assets	$110,668,200	4,628
Average earning assets	$100,472,800	4,631
Average equity	$12,293,800	4,481
Average total loans	$83,088,600	4,049
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0725%	2,747
Cost of funding earning assets	1.7432%	328
Net interest margin	3.3293%	5,773
Noninterest income to average assets	1.4218%	647
Noninterest expense to average assets	3.6795%	1,536
Loan and lease loss provision to assets	0.2436%	3,569
Net operating income to assets	0.4173%	4,920
Return on assets (ROA)	0.4173%	5,111
Pretax return on assets	0.5672%	4,911
Return on Equity (ROE)	3.6859%	5,129
Retained earnings to average equity (ytd only)	3.6859%	4,121
Net charge-offs to loans	-0.0421%	7,019
Credit loss provision to net charge-offs	-780.0000%	6,733
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	81.6639%	2,023
Assets per employee ($millions)	3.1600%	5,764
Cash dividends to net income (ytd only)*	0.0000%	3,512
Condition Ratios (%)
Loss allowance to loans	1.2012%	5,460
Loan loss allowance to noncurrent loans	410.1887%	782
Noncurrent assets plus other real estate owned to assets	0.2728%	6,383
Noncurrent loans to loans	0.2928%	6,262
Net loans and leases to total assets	76.4668%	913
Net loans and leases to deposits	96.0755%	693
Net loans and leases to core deposits	106.4586%	841
Total domestic deposits to total assets	79.5903%	5,849
Equity capital to assets	10.7723%	3,393
Core capital (leverage) ratio	8.9735%	4,976
Tier 1 risk-based capital ratio	10.3344%	6,846
Total risk-based capital ratio	11.4883%	6,866
Memoranda:
Average total assets	$106,716,000	4,743
Average earning assets	$98,357,750	4,712
Average equity	$12,081,750	4,543
Average total loans	$79,216,500	4,203
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0549%	2,900
Cost of funding earning assets	1.7958%	316
Net interest margin	3.2591%	5,976
Noninterest income to average assets	1.6242%	495
Noninterest expense to average assets	3.8388%	1,296
Loan and lease loss provision to assets	0.3775%	2,529
Net operating income to assets	0.2923%	5,398
Return on assets (ROA)	0.2923%	5,538
Pretax return on assets	0.4259%	5,313
Return on Equity (ROE)	2.5355%	5,589
Retained earnings to average equity (ytd only)	2.5355%	4,675
Net charge-offs to loans	-0.0451%	7,008
Credit loss provision to net charge-offs	-1,147.0588%	6,610
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	82.4437%	2,035
Assets per employee ($millions)	2.9902%	6,112
Cash dividends to net income (ytd only)*	0.0000%	3,290
Condition Ratios (%)
Loss allowance to loans	1.3943%	4,600
Loan loss allowance to noncurrent loans	567.8947%	597
Noncurrent assets plus other real estate owned to assets	0.2369%	6,540
Noncurrent loans to loans	0.2455%	6,428
Net loans and leases to total assets	70.8885%	2,027
Net loans and leases to deposits	85.2035%	1,907
Net loans and leases to core deposits	94.2949%	1,862
Total domestic deposits to total assets	83.1989%	4,671
Equity capital to assets	11.5255%	2,485
Core capital (leverage) ratio	9.1171%	4,538
Tier 1 risk-based capital ratio	11.4722%	6,186
Total risk-based capital ratio	12.7245%	6,173
Memoranda:
Average total assets	$103,314,670	4,876
Average earning assets	$95,669,330	4,829
Average equity	$11,910,670	4,578
Average total loans	$75,458,000	4,367
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1166%	2,574
Cost of funding earning assets	1.8179%	349
Net interest margin	3.2987%	5,782
Noninterest income to average assets	0.6130%	3,078
Noninterest expense to average assets	3.6896%	1,556
Loan and lease loss provision to assets	0.7711%	1,109
Net operating income to assets	-0.6723%	6,902
Return on assets (ROA)	-0.6723%	6,908
Pretax return on assets	-0.7909%	6,916
Return on Equity (ROE)	-5.8307%	6,853
Retained earnings to average equity (ytd only)	-5.8307%	6,582
Net charge-offs to loans	-0.1504%	7,203
Credit loss provision to net charge-offs	-696.4286%	6,033
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	100.2155%	736
Assets per employee ($millions)	3.0410%	6,074
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	1.4861%	4,280
Loan loss allowance to noncurrent loans	524.0385%	620
Noncurrent assets plus other real estate owned to assets	0.3201%	6,390
Noncurrent loans to loans	0.2836%	6,422
Net loans and leases to total assets	69.8829%	2,149
Net loans and leases to deposits	84.4908%	1,952
Net loans and leases to core deposits	93.9621%	1,886
Total domestic deposits to total assets	82.7106%	5,023
Equity capital to assets	11.6836%	2,134
Core capital (leverage) ratio	8.9628%	4,670
Tier 1 risk-based capital ratio	11.7621%	5,886
Total risk-based capital ratio	13.0155%	5,894
Memoranda:
Average total assets	$101,148,000	4,975
Average earning assets	$93,733,500	4,922
Average equity	$11,662,500	4,631
Average total loans	$74,492,500	4,442
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3132%	3,064
Cost of funding earning assets	2.1463%	366
Net interest margin	3.1668%	6,348
Noninterest income to average assets	0.7147%	2,757
Noninterest expense to average assets	3.4176%	2,390
Loan and lease loss provision to assets	0.0000%	7,042
Net operating income to assets	0.1463%	5,452
Return on assets (ROA)	0.1463%	5,608
Pretax return on assets	0.1811%	5,527
Return on Equity (ROE)	1.1906%	5,648
Retained earnings to average equity (ytd only)	1.1906%	4,950
Net charge-offs to loans	0.1288%	5,611
Credit loss provision to net charge-offs	0.0000%	6,628
Earnings coverage of net charge-offs (x)	1.8193%	4,358
Efficiency ratio	94.5352%	1,034
Assets per employee ($millions)	2.9089%	6,304
Cash dividends to net income (ytd only)*	0.0000%	3,950
Condition Ratios (%)
Loss allowance to loans	1.1462%	5,752
Loan loss allowance to noncurrent loans	418.8406%	741
Noncurrent assets plus other real estate owned to assets	0.3569%	6,371
Noncurrent loans to loans	0.2737%	6,514
Net loans and leases to total assets	75.6034%	1,349
Net loans and leases to deposits	90.9892%	1,401
Net loans and leases to core deposits	103.6340%	1,334
Total domestic deposits to total assets	83.0905%	4,758
Equity capital to assets	11.3697%	2,359
Core capital (leverage) ratio	8.7347%	4,963
Tier 1 risk-based capital ratio	10.1727%	6,894
Total risk-based capital ratio	11.2765%	6,961
Memoranda:
Average total assets	$83,391,800	5,490
Average earning assets	$75,943,600	5,480
Average equity	$10,246,600	5,062
Average total loans	$64,460,800	4,890
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3337%	3,197
Cost of funding earning assets	2.2016%	381
Net interest margin	3.1322%	6,530
Noninterest income to average assets	0.5751%	3,615
Noninterest expense to average assets	3.1943%	2,946
Loan and lease loss provision to assets	0.0000%	6,977
Net operating income to assets	0.1459%	5,648
Return on assets (ROA)	0.1459%	5,805
Pretax return on assets	0.2197%	5,682
Return on Equity (ROE)	1.1603%	5,857
Retained earnings to average equity (ytd only)	1.1603%	5,354
Net charge-offs to loans	0.1622%	5,025
Credit loss provision to net charge-offs	0.0000%	6,367
Earnings coverage of net charge-offs (x)	1.7466%	4,403
Efficiency ratio	93.0747%	1,052
Assets per employee ($millions)	3.2559%	5,568
Cash dividends to net income (ytd only)*	0.0000%	3,526
Condition Ratios (%)
Loss allowance to loans	1.2494%	5,237
Loan loss allowance to noncurrent loans	388.8889%	766
Noncurrent assets plus other real estate owned to assets	0.4421%	6,326
Noncurrent loans to loans	0.3213%	6,551
Net loans and leases to total assets	75.8583%	1,438
Net loans and leases to deposits	92.7659%	1,357
Net loans and leases to core deposits	107.1670%	1,224
Total domestic deposits to total assets	81.7739%	5,087
Equity capital to assets	12.0999%	2,090
Core capital (leverage) ratio	9.3412%	4,145
Tier 1 risk-based capital ratio	10.5075%	6,774
Total risk-based capital ratio	11.6941%	6,806
Memoranda:
Average total assets	$79,514,000	5,675
Average earning assets	$72,068,000	5,668
Average equity	$9,997,000	5,196
Average total loans	$61,665,750	5,074
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4742%	2,634
Cost of funding earning assets	2.2323%	422
Net interest margin	3.2419%	6,192
Noninterest income to average assets	0.5157%	3,987
Noninterest expense to average assets	3.1469%	3,110
Loan and lease loss provision to assets	0.0000%	6,857
Net operating income to assets	0.1957%	5,577
Return on assets (ROA)	0.1957%	5,702
Pretax return on assets	0.3068%	5,476
Return on Equity (ROE)	1.5333%	5,793
Retained earnings to average equity (ytd only)	1.5333%	5,105
Net charge-offs to loans	-0.0102%	7,189
Credit loss provision to net charge-offs	0.0000%	6,004
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	90.5819%	1,289
Assets per employee ($millions)	3.8575%	4,076
Cash dividends to net income (ytd only)*	0.0000%	3,319
Condition Ratios (%)
Loss allowance to loans	1.5898%	3,492
Loan loss allowance to noncurrent loans	407.2650%	758
Noncurrent assets plus other real estate owned to assets	0.5086%	6,185
Noncurrent loans to loans	0.3904%	6,458
Net loans and leases to total assets	72.8237%	2,206
Net loans and leases to deposits	90.0725%	1,841
Net loans and leases to core deposits	103.8189%	1,663
Total domestic deposits to total assets	80.8500%	5,454
Equity capital to assets	12.3667%	1,890
Core capital (leverage) ratio	9.3479%	4,046
Tier 1 risk-based capital ratio	10.4348%	6,733
Total risk-based capital ratio	11.6872%	6,717
Memoranda:
Average total assets	$75,630,000	5,812
Average earning assets	$68,539,670	5,810
Average equity	$9,652,330	5,298
Average total loans	$58,877,000	5,232
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4945%	2,607
Cost of funding earning assets	2.3815%	321
Net interest margin	3.1129%	6,557
Noninterest income to average assets	0.6197%	3,140
Noninterest expense to average assets	3.0271%	3,573
Loan and lease loss provision to assets	0.0000%	6,552
Net operating income to assets	0.2797%	5,371
Return on assets (ROA)	0.2797%	5,506
Pretax return on assets	0.4168%	5,242
Return on Equity (ROE)	2.1543%	5,699
Retained earnings to average equity (ytd only)	2.1543%	4,841
Net charge-offs to loans	0.0069%	5,506
Credit loss provision to net charge-offs	0.0000%	5,126
Earnings coverage of net charge-offs (x)	76.0000%	407
Efficiency ratio	87.4204%	1,647
Assets per employee ($millions)	3.4556%	5,135
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	1.5433%	3,684
Loan loss allowance to noncurrent loans	329.5139%	923
Noncurrent assets plus other real estate owned to assets	0.5691%	6,078
Noncurrent loans to loans	0.4684%	6,361
Net loans and leases to total assets	83.4291%	438
Net loans and leases to deposits	107.8315%	349
Net loans and leases to core deposits	123.5627%	658
Total domestic deposits to total assets	77.3699%	6,478
Equity capital to assets	13.7735%	1,218
Core capital (leverage) ratio	9.5801%	3,668
Tier 1 risk-based capital ratio	10.4605%	6,666
Total risk-based capital ratio	11.7130%	6,661
Memoranda:
Average total assets	$72,941,000	5,966
Average earning assets	$66,175,500	5,960
Average equity	$9,469,500	5,399
Average total loans	$58,342,500	5,323
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9733%	6,518
Cost of funding earning assets	2.8088%	436
Net interest margin	2.1644%	7,666
Noninterest income to average assets	0.2983%	5,964
Noninterest expense to average assets	3.9552%	1,430
Loan and lease loss provision to assets	3.1003%	545
Net operating income to assets	-4.0268%	7,610
Return on assets (ROA)	-4.0268%	7,608
Pretax return on assets	-4.8468%	7,680
Return on Equity (ROE)	-27.0283%	7,342
Retained earnings to average equity (ytd only)	-27.0283%	7,313
Net charge-offs to loans	3.2834%	616
Credit loss provision to net charge-offs	144.5891%	3,297
Earnings coverage of net charge-offs (x)	-0.8145%	6,842
Efficiency ratio	178.0411%	193
Assets per employee ($millions)	4.3126%	3,254
Cash dividends to net income (ytd only)*	0.0000%	4,015
Condition Ratios (%)
Loss allowance to loans	1.7212%	2,828
Loan loss allowance to noncurrent loans	376.9841%	877
Noncurrent assets plus other real estate owned to assets	0.5483%	6,074
Noncurrent loans to loans	0.4566%	6,353
Net loans and leases to total assets	73.9876%	2,275
Net loans and leases to deposits	92.0435%	1,893
Net loans and leases to core deposits	140.2487%	802
Total domestic deposits to total assets	80.3833%	5,556
Equity capital to assets	12.1994%	1,914
Core capital (leverage) ratio	8.4459%	5,363
Tier 1 risk-based capital ratio	9.7339%	7,072
Total risk-based capital ratio	10.9963%	7,047
Memoranda:
Average total assets	$57,316,400	6,454
Average earning assets	$50,590,400	6,514
Average equity	$8,539,200	5,754
Average total loans	$37,430,200	6,230
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9963%	6,612
Cost of funding earning assets	2.8885%	481
Net interest margin	2.1078%	7,756
Noninterest income to average assets	0.3151%	5,963
Noninterest expense to average assets	3.7061%	1,805
Loan and lease loss provision to assets	2.2882%	746
Net operating income to assets	-2.7008%	7,515
Return on assets (ROA)	-2.7008%	7,520
Pretax return on assets	-3.8361%	7,665
Return on Equity (ROE)	-17.0652%	7,275
Retained earnings to average equity (ytd only)	-17.0652%	7,234
Net charge-offs to loans	3.4273%	438
Credit loss provision to net charge-offs	107.9009%	4,708
Earnings coverage of net charge-offs (x)	-0.7299%	6,573
Efficiency ratio	170.5678%	236
Assets per employee ($millions)	3.5313%	4,849
Cash dividends to net income (ytd only)*	0.0000%	3,688
Condition Ratios (%)
Loss allowance to loans	1.1229%	5,580
Loan loss allowance to noncurrent loans	366.4063%	850
Noncurrent assets plus other real estate owned to assets	0.6151%	5,912
Noncurrent loans to loans	0.3065%	6,755
Net loans and leases to total assets	64.9718%	4,654
Net loans and leases to deposits	85.0891%	3,481
Net loans and leases to core deposits	124.7523%	1,836
Total domestic deposits to total assets	76.3573%	6,513
Equity capital to assets	15.2164%	947
Core capital (leverage) ratio	11.8252%	1,885
Tier 1 risk-based capital ratio	13.6400%	3,755
Total risk-based capital ratio	14.6558%	3,853
Memoranda:
Average total assets	$53,316,750	6,627
Average earning assets	$46,620,250	6,706
Average equity	$8,438,000	5,840
Average total loans	$32,989,250	6,513
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9825%	6,830
Cost of funding earning assets	3.0559%	403
Net interest margin	1.9266%	7,900
Noninterest income to average assets	0.3928%	5,350
Noninterest expense to average assets	3.4668%	2,437
Loan and lease loss provision to assets	3.6672%	369
Net operating income to assets	-3.4668%	7,763
Return on assets (ROA)	-3.4668%	7,759
Pretax return on assets	-5.0660%	7,869
Return on Equity (ROE)	-21.5531%	7,546
Retained earnings to average equity (ytd only)	-21.5531%	7,500
Net charge-offs to loans	5.4285%	215
Credit loss provision to net charge-offs	112.1324%	4,128
Earnings coverage of net charge-offs (x)	-0.4277%	6,031
Efficiency ratio	166.4729%	300
Assets per employee ($millions)	4.2024%	3,295
Cash dividends to net income (ytd only)*	0.0000%	3,532
Condition Ratios (%)
Loss allowance to loans	1.4241%	3,603
Loan loss allowance to noncurrent loans	214.1026%	1,416
Noncurrent assets plus other real estate owned to assets	0.7944%	5,408
Noncurrent loans to loans	0.6652%	5,924
Net loans and leases to total assets	63.4786%	5,082
Net loans and leases to deposits	83.5639%	3,958
Net loans and leases to core deposits	128.4407%	1,682
Total domestic deposits to total assets	75.9642%	6,556
Equity capital to assets	14.4369%	1,183
Core capital (leverage) ratio	8.7731%	4,975
Tier 1 risk-based capital ratio	10.9296%	5,956
Total risk-based capital ratio	12.1438%	5,934
Memoranda:
Average total assets	$49,901,330	6,829
Average earning assets	$43,391,670	6,908
Average equity	$8,026,670	6,017
Average total loans	$30,063,330	6,729
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0400%	6,834
Cost of funding earning assets	3.0337%	558
Net interest margin	2.0063%	7,892
Noninterest income to average assets	0.5554%	3,876
Noninterest expense to average assets	3.0461%	3,570
Loan and lease loss provision to assets	0.0000%	6,744
Net operating income to assets	-0.5133%	6,889
Return on assets (ROA)	-0.5133%	6,939
Pretax return on assets	-0.7489%	7,002
Return on Equity (ROE)	-3.0136%	6,780
Retained earnings to average equity (ytd only)	-3.0136%	6,281
Net charge-offs to loans	0.5672%	2,047
Credit loss provision to net charge-offs	0.0000%	5,248
Earnings coverage of net charge-offs (x)	-2.2821%	5,486
Efficiency ratio	131.5018%	491
Assets per employee ($millions)	4.5000%	2,719
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	1.2219%	4,650
Loan loss allowance to noncurrent loans	74.3852%	3,899
Noncurrent assets plus other real estate owned to assets	1.5389%	3,628
Noncurrent loans to loans	1.6427%	3,808
Net loans and leases to total assets	54.3426%	6,427
Net loans and leases to deposits	73.1558%	5,593
Net loans and leases to core deposits	117.9983%	2,598
Total domestic deposits to total assets	74.2833%	6,837
Equity capital to assets	16.0944%	859
Core capital (leverage) ratio	12.7481%	1,583
Tier 1 risk-based capital ratio	16.1523%	2,634
Total risk-based capital ratio	17.1634%	2,662
Memoranda:
Average total assets	$47,536,500	6,961
Average earning assets	$41,269,500	7,048
Average equity	$8,096,500	6,019
Average total loans	$27,505,000	6,911
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.4361%	3,247
Cost of funding earning assets	3.2865%	964
Net interest margin	3.1496%	6,526
Noninterest income to average assets	-0.5573%	8,277
Noninterest expense to average assets	4.5443%	852
Loan and lease loss provision to assets	1.5985%	827
Net operating income to assets	-2.5845%	7,731
Return on assets (ROA)	-2.5845%	7,698
Pretax return on assets	-4.0237%	7,893
Return on Equity (ROE)	-13.1403%	7,503
Retained earnings to average equity (ytd only)	-13.1403%	7,346
Net charge-offs to loans	2.5503%	371
Credit loss provision to net charge-offs	100.0000%	5,290
Earnings coverage of net charge-offs (x)	-1.5172%	6,665
Efficiency ratio	212.5723%	183
Assets per employee ($millions)	4.5637%	2,523
Cash dividends to net income (ytd only)*	0.0000%	4,825
Condition Ratios (%)
Loss allowance to loans	1.5888%	2,292
Loan loss allowance to noncurrent loans	85.8974%	3,929
Noncurrent assets plus other real estate owned to assets	1.3659%	3,468
Noncurrent loans to loans	1.8497%	2,985
Net loans and leases to total assets	60.6238%	5,819
Net loans and leases to deposits	87.6359%	3,849
Net loans and leases to core deposits	131.7530%	1,739
Total domestic deposits to total assets	69.1768%	7,362
Equity capital to assets	18.2650%	619
Core capital (leverage) ratio	12.9319%	1,566
Tier 1 risk-based capital ratio	15.7391%	2,764
Total risk-based capital ratio	16.9895%	2,700
Memoranda:
Average total assets	$32,656,200	7,526
Average earning assets	$27,749,800	7,631
Average equity	$6,423,000	6,672
Average total loans	$20,467,800	7,302