Home > Mountain Commerce Bank > Performance and Condition Ratios

Mountain Commerce Bank, Performance and Condition Ratios

Basic Info Reviews History Routing Number Locations

2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1714%	1,717
Cost of funding earning assets	2.9779%	153
Net interest margin	2.1935%	4,321
Noninterest income to average assets	0.1600%	3,995
Noninterest expense to average assets	1.4182%	4,380
Loan and lease loss provision to assets	0.0600%	1,903
Net operating income to assets	0.5837%	3,480
Return on assets (ROA)	0.5115%	3,639
Pretax return on assets	0.6548%	3,527
Return on Equity (ROE)	6.0900%	3,500
Retained earnings to average equity (ytd only)	2.2070%	3,533
Net charge-offs to loans	0.0329%	1,638
Credit loss provision to net charge-offs	357.5163%	839
Earnings coverage of net charge-offs (x)	29.7190%	1,642
Efficiency ratio	63.7901%	2,630
Assets per employee ($millions)	15.3722%	193
Cash dividends to net income (ytd only)*	63.7517%	1,054
Condition Ratios (%)
Loss allowance to loans	0.8971%	3,715
Loan loss allowance to noncurrent loans	811.0765%	1,035
Noncurrent assets plus other real estate owned to assets	0.3091%	1,715
Noncurrent loans to loans	0.1106%	2,977
Net loans and leases to total assets	82.8900%	354
Net loans and leases to deposits	97.4442%	683
Net loans and leases to core deposits	141.2986%	267
Total domestic deposits to total assets	85.0600%	2,292
Equity capital to assets	8.4379%	3,096
Core capital (leverage) ratio	9.4507%	3,293
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.1089%	2,551
Memoranda:
Average total assets	$1,694,481,200	647
Average earning assets	$1,592,255,200	636
Average equity	$142,364,000	703
Average total loans	$1,394,138,200	550
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0743%	1,679
Cost of funding earning assets	2.8215%	152
Net interest margin	2.2528%	4,325
Noninterest income to average assets	0.1600%	4,013
Noninterest expense to average assets	1.3984%	4,400
Loan and lease loss provision to assets	-0.0300%	4,416
Net operating income to assets	0.7313%	3,227
Return on assets (ROA)	0.6812%	3,351
Pretax return on assets	0.8472%	3,222
Return on Equity (ROE)	8.1200%	3,157
Retained earnings to average equity (ytd only)	4.5128%	3,097
Net charge-offs to loans	0.0064%	2,210
Credit loss provision to net charge-offs	109.0909%	1,556
Earnings coverage of net charge-offs (x)	168.2576%	674
Efficiency ratio	61.3954%	2,795
Assets per employee ($millions)	14.9607%	195
Cash dividends to net income (ytd only)*	44.4031%	1,475
Condition Ratios (%)
Loss allowance to loans	0.8260%	3,928
Loan loss allowance to noncurrent loans	1,953.5420%	537
Noncurrent assets plus other real estate owned to assets	0.2568%	1,987
Noncurrent loans to loans	0.0423%	3,458
Net loans and leases to total assets	82.7500%	379
Net loans and leases to deposits	100.6071%	483
Net loans and leases to core deposits	141.4052%	205
Total domestic deposits to total assets	82.2500%	3,169
Equity capital to assets	8.3463%	2,830
Core capital (leverage) ratio	9.6146%	3,184
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.2362%	2,534
Memoranda:
Average total assets	$1,683,836,500	655
Average earning assets	$1,585,411,250	641
Average equity	$141,312,250	697
Average total loans	$1,379,455,000	556
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9424%	1,672
Cost of funding earning assets	2.6311%	148
Net interest margin	2.3113%	4,359
Noninterest income to average assets	0.1800%	3,893
Noninterest expense to average assets	1.4421%	4,378
Loan and lease loss provision to assets	0.0000%	2,857
Net operating income to assets	0.7444%	3,233
Return on assets (ROA)	0.6726%	3,404
Pretax return on assets	0.8275%	3,336
Return on Equity (ROE)	8.0000%	3,233
Retained earnings to average equity (ytd only)	4.3216%	3,125
Net charge-offs to loans	0.0072%	1,961
Credit loss provision to net charge-offs	348.9796%	792
Earnings coverage of net charge-offs (x)	156.7755%	732
Efficiency ratio	61.0742%	2,832
Assets per employee ($millions)	14.9395%	200
Cash dividends to net income (ytd only)*	45.9801%	1,456
Condition Ratios (%)
Loss allowance to loans	0.8528%	3,893
Loan loss allowance to noncurrent loans	1,962.9508%	568
Noncurrent assets plus other real estate owned to assets	0.2835%	1,786
Noncurrent loans to loans	0.0434%	3,414
Net loans and leases to total assets	81.0300%	517
Net loans and leases to deposits	97.7688%	625
Net loans and leases to core deposits	132.9779%	285
Total domestic deposits to total assets	82.8800%	3,072
Equity capital to assets	8.4403%	2,913
Core capital (leverage) ratio	9.7226%	3,027
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.4229%	2,495
Memoranda:
Average total assets	$1,671,622,000	648
Average earning assets	$1,576,164,333	633
Average equity	$140,550,667	699
Average total loans	$1,360,730,333	550
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8210%	1,578
Cost of funding earning assets	2.2954%	155
Net interest margin	2.5256%	4,282
Noninterest income to average assets	0.1700%	3,961
Noninterest expense to average assets	1.4443%	4,434
Loan and lease loss provision to assets	0.1400%	788
Net operating income to assets	0.7618%	3,318
Return on assets (ROA)	0.6610%	3,504
Pretax return on assets	0.8360%	3,380
Return on Equity (ROE)	7.8800%	3,317
Retained earnings to average equity (ytd only)	4.6818%	3,092
Net charge-offs to loans	0.0069%	1,697
Credit loss provision to net charge-offs	2,104.3478%	191
Earnings coverage of net charge-offs (x)	198.1739%	507
Efficiency ratio	56.6318%	3,339
Assets per employee ($millions)	14.6320%	226
Cash dividends to net income (ytd only)*	40.5653%	1,441
Condition Ratios (%)
Loss allowance to loans	0.9046%	3,841
Loan loss allowance to noncurrent loans	2,688.4279%	465
Noncurrent assets plus other real estate owned to assets	0.2780%	1,753
Noncurrent loans to loans	0.0336%	3,512
Net loans and leases to total assets	79.4700%	589
Net loans and leases to deposits	97.2500%	582
Net loans and leases to core deposits	128.5953%	291
Total domestic deposits to total assets	81.7200%	3,530
Equity capital to assets	8.5396%	2,859
Core capital (leverage) ratio	9.8022%	2,883
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.7023%	2,495
Memoranda:
Average total assets	$1,648,410,000	668
Average earning assets	$1,555,437,000	649
Average equity	$138,321,500	718
Average total loans	$1,339,046,500	568
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2288%	1,194
Cost of funding earning assets	0.6839%	629
Net interest margin	3.5450%	1,802
Noninterest income to average assets	0.2000%	3,947
Noninterest expense to average assets	1.5995%	4,309
Loan and lease loss provision to assets	0.1500%	793
Net operating income to assets	1.4087%	1,111
Return on assets (ROA)	1.3157%	1,338
Pretax return on assets	1.7038%	911
Return on Equity (ROE)	15.0300%	1,250
Retained earnings to average equity (ytd only)	9.3674%	1,371
Net charge-offs to loans	0.0074%	2,124
Credit loss provision to net charge-offs	2,483.1461%	221
Earnings coverage of net charge-offs (x)	325.6067%	464
Efficiency ratio	44.7872%	4,401
Assets per employee ($millions)	13.7889%	260
Cash dividends to net income (ytd only)*	37.6707%	2,030
Condition Ratios (%)
Loss allowance to loans	0.9602%	3,566
Loan loss allowance to noncurrent loans	990.2114%	995
Noncurrent assets plus other real estate owned to assets	0.3462%	1,470
Noncurrent loans to loans	0.0970%	3,069
Net loans and leases to total assets	81.5400%	448
Net loans and leases to deposits	96.4642%	612
Net loans and leases to core deposits	120.7912%	359
Total domestic deposits to total assets	84.5300%	3,095
Equity capital to assets	8.2338%	2,910
Core capital (leverage) ratio	9.4525%	3,194
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.1018%	2,704
Memoranda:
Average total assets	$1,469,618,800	715
Average earning assets	$1,398,693,600	691
Average equity	$128,659,600	761
Average total loans	$1,195,142,000	585
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0405%	1,182
Cost of funding earning assets	0.3648%	1,570
Net interest margin	3.6758%	1,206
Noninterest income to average assets	0.2100%	3,937
Noninterest expense to average assets	1.5632%	4,346
Loan and lease loss provision to assets	0.1900%	485
Net operating income to assets	1.5258%	795
Return on assets (ROA)	1.4232%	996
Pretax return on assets	1.8392%	677
Return on Equity (ROE)	15.9900%	982
Retained earnings to average equity (ytd only)	10.8781%	1,085
Net charge-offs to loans	0.0100%	1,755
Credit loss provision to net charge-offs	2,298.8506%	225
Earnings coverage of net charge-offs (x)	266.9310%	516
Efficiency ratio	42.0468%	4,519
Assets per employee ($millions)	13.8625%	244
Cash dividends to net income (ytd only)*	31.9797%	1,945
Condition Ratios (%)
Loss allowance to loans	0.9704%	3,614
Loan loss allowance to noncurrent loans	964.8565%	999
Noncurrent assets plus other real estate owned to assets	0.3068%	1,718
Noncurrent loans to loans	0.1006%	3,157
Net loans and leases to total assets	81.0200%	445
Net loans and leases to deposits	98.2248%	447
Net loans and leases to core deposits	116.5592%	323
Total domestic deposits to total assets	82.4800%	3,758
Equity capital to assets	8.2753%	2,704
Core capital (leverage) ratio	9.7528%	2,811
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.1673%	2,762
Memoranda:
Average total assets	$1,437,146,750	732
Average earning assets	$1,370,309,750	704
Average equity	$127,899,500	779
Average total loans	$1,164,706,750	591
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8915%	1,128
Cost of funding earning assets	0.2127%	2,739
Net interest margin	3.6788%	946
Noninterest income to average assets	0.2270%	3,832
Noninterest expense to average assets	1.6137%	4,292
Loan and lease loss provision to assets	0.1578%	593
Net operating income to assets	1.5358%	644
Return on assets (ROA)	1.4014%	880
Pretax return on assets	1.8043%	593
Return on Equity (ROE)	15.3437%	828
Retained earnings to average equity (ytd only)	10.0642%	1,000
Net charge-offs to loans	0.0133%	1,517
Credit loss provision to net charge-offs	1,466.6667%	310
Earnings coverage of net charge-offs (x)	198.1600%	542
Efficiency ratio	43.0793%	4,536
Assets per employee ($millions)	13.0523%	284
Cash dividends to net income (ytd only)*	34.4083%	1,938
Condition Ratios (%)
Loss allowance to loans	0.9767%	3,701
Loan loss allowance to noncurrent loans	859.3006%	1,043
Noncurrent assets plus other real estate owned to assets	0.0928%	3,069
Noncurrent loans to loans	0.1137%	3,171
Net loans and leases to total assets	80.8203%	348
Net loans and leases to deposits	95.8676%	437
Net loans and leases to core deposits	115.2695%	258
Total domestic deposits to total assets	84.3041%	3,624
Equity capital to assets	8.5256%	2,741
Core capital (leverage) ratio	9.6389%	2,781
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.2158%	2,746
Memoranda:
Average total assets	$1,394,040,000	746
Average earning assets	$1,333,465,333	722
Average equity	$127,322,667	789
Average total loans	$1,125,750,333	598
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8093%	1,069
Cost of funding earning assets	0.1616%	3,346
Net interest margin	3.6477%	824
Noninterest income to average assets	0.2821%	3,441
Noninterest expense to average assets	1.5644%	4,351
Loan and lease loss provision to assets	0.1902%	393
Net operating income to assets	1.5762%	544
Return on assets (ROA)	1.4567%	697
Pretax return on assets	1.8714%	468
Return on Equity (ROE)	15.4058%	597
Retained earnings to average equity (ytd only)	10.6110%	868
Net charge-offs to loans	0.0252%	1,066
Credit loss provision to net charge-offs	942.0290%	352
Earnings coverage of net charge-offs (x)	109.5797%	643
Efficiency ratio	41.4148%	4,615
Assets per employee ($millions)	13.1942%	299
Cash dividends to net income (ytd only)*	31.1232%	1,735
Condition Ratios (%)
Loss allowance to loans	0.9881%	3,772
Loan loss allowance to noncurrent loans	603.8608%	1,311
Noncurrent assets plus other real estate owned to assets	0.1315%	2,876
Noncurrent loans to loans	0.1636%	2,988
Net loans and leases to total assets	79.5678%	259
Net loans and leases to deposits	95.7148%	287
Net loans and leases to core deposits	113.3525%	199
Total domestic deposits to total assets	83.1301%	3,926
Equity capital to assets	9.0823%	2,643
Core capital (leverage) ratio	9.8268%	2,467
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.5806%	2,751
Memoranda:
Average total assets	$1,366,657,500	758
Average earning assets	$1,309,523,000	742
Average equity	$129,224,000	797
Average total loans	$1,097,386,500	607
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0451%	1,256
Cost of funding earning assets	0.2384%	3,060
Net interest margin	3.8067%	992
Noninterest income to average assets	0.2012%	4,161
Noninterest expense to average assets	1.4894%	4,555
Loan and lease loss provision to assets	-0.2144%	4,717
Net operating income to assets	1.9982%	341
Return on assets (ROA)	2.0031%	356
Pretax return on assets	2.5804%	230
Return on Equity (ROE)	19.6733%	329
Retained earnings to average equity (ytd only)	13.3917%	359
Net charge-offs to loans	0.0165%	1,966
Credit loss provision to net charge-offs	-1,600.6098%	4,015
Earnings coverage of net charge-offs (x)	176.2073%	587
Efficiency ratio	38.6936%	4,706
Assets per employee ($millions)	13.0856%	310
Cash dividends to net income (ytd only)*	31.9296%	2,442
Condition Ratios (%)
Loss allowance to loans	0.9828%	3,817
Loan loss allowance to noncurrent loans	566.1108%	1,301
Noncurrent assets plus other real estate owned to assets	0.1393%	2,962
Noncurrent loans to loans	0.1736%	3,085
Net loans and leases to total assets	79.4408%	295
Net loans and leases to deposits	94.6936%	359
Net loans and leases to core deposits	113.3118%	237
Total domestic deposits to total assets	83.8925%	3,592
Equity capital to assets	9.8465%	2,806
Core capital (leverage) ratio	9.7509%	2,616
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.8559%	2,684
Memoranda:
Average total assets	$1,224,562,000	813
Average earning assets	$1,173,539,400	795
Average equity	$124,681,400	830
Average total loans	$994,153,200	658
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0682%	1,377
Cost of funding earning assets	0.2647%	2,961
Net interest margin	3.8036%	1,112
Noninterest income to average assets	0.2076%	4,161
Noninterest expense to average assets	1.4177%	4,672
Loan and lease loss provision to assets	-0.3676%	4,850
Net operating income to assets	2.1340%	371
Return on assets (ROA)	2.1400%	383
Pretax return on assets	2.8086%	223
Return on Equity (ROE)	20.8273%	370
Retained earnings to average equity (ytd only)	20.8273%	108
Net charge-offs to loans	0.0217%	1,614
Credit loss provision to net charge-offs	-2,075.4717%	3,998
Earnings coverage of net charge-offs (x)	137.3962%	714
Efficiency ratio	36.8138%	4,798
Assets per employee ($millions)	13.7644%	261
Cash dividends to net income (ytd only)*	0.0000%	3,236
Condition Ratios (%)
Loss allowance to loans	0.9736%	3,931
Loan loss allowance to noncurrent loans	747.6480%	998
Noncurrent assets plus other real estate owned to assets	0.1019%	3,423
Noncurrent loans to loans	0.1302%	3,456
Net loans and leases to total assets	77.4651%	433
Net loans and leases to deposits	95.0163%	376
Net loans and leases to core deposits	111.9165%	290
Total domestic deposits to total assets	81.5283%	4,010
Equity capital to assets	10.0942%	2,809
Core capital (leverage) ratio	10.2492%	2,273
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.7531%	2,449
Memoranda:
Average total assets	$1,197,019,250	841
Average earning assets	$1,146,613,000	816
Average equity	$122,995,500	856
Average total loans	$974,979,750	688
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0704%	1,403
Cost of funding earning assets	0.2970%	2,802
Net interest margin	3.7735%	1,181
Noninterest income to average assets	0.2248%	4,054
Noninterest expense to average assets	1.4154%	4,706
Loan and lease loss provision to assets	-0.6010%	4,922
Net operating income to assets	2.2819%	290
Return on assets (ROA)	2.2925%	307
Pretax return on assets	3.0371%	182
Return on Equity (ROE)	22.1668%	306
Retained earnings to average equity (ytd only)	22.1668%	107
Net charge-offs to loans	0.0291%	1,373
Credit loss provision to net charge-offs	-2,500.0000%	3,872
Earnings coverage of net charge-offs (x)	100.7786%	747
Efficiency ratio	36.8781%	4,820
Assets per employee ($millions)	12.7639%	294
Cash dividends to net income (ytd only)*	0.0000%	3,087
Condition Ratios (%)
Loss allowance to loans	0.9731%	3,912
Loan loss allowance to noncurrent loans	410.5688%	1,484
Noncurrent assets plus other real estate owned to assets	0.2877%	2,488
Noncurrent loans to loans	0.2370%	3,099
Net loans and leases to total assets	79.5083%	344
Net loans and leases to deposits	98.1701%	309
Net loans and leases to core deposits	114.6185%	281
Total domestic deposits to total assets	80.9904%	4,092
Equity capital to assets	10.2258%	2,641
Core capital (leverage) ratio	10.6092%	1,867
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.5329%	2,534
Memoranda:
Average total assets	$1,164,742,667	852
Average earning assets	$1,115,312,333	826
Average equity	$120,459,333	868
Average total loans	$962,594,333	698
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1809%	1,231
Cost of funding earning assets	0.3617%	2,429
Net interest margin	3.8192%	1,099
Noninterest income to average assets	0.2149%	4,106
Noninterest expense to average assets	1.4939%	4,660
Loan and lease loss provision to assets	0.0000%	2,741
Net operating income to assets	1.8025%	786
Return on assets (ROA)	1.8027%	838
Pretax return on assets	2.3757%	539
Return on Equity (ROE)	17.3240%	802
Retained earnings to average equity (ytd only)	17.3240%	399
Net charge-offs to loans	0.0655%	883
Credit loss provision to net charge-offs	0.0000%	1,471
Earnings coverage of net charge-offs (x)	43.2194%	960
Efficiency ratio	38.6089%	4,793
Assets per employee ($millions)	11.8163%	364
Cash dividends to net income (ytd only)*	0.0000%	2,433
Condition Ratios (%)
Loss allowance to loans	1.3737%	2,088
Loan loss allowance to noncurrent loans	712.0130%	887
Noncurrent assets plus other real estate owned to assets	0.2815%	2,744
Noncurrent loans to loans	0.1929%	3,414
Net loans and leases to total assets	82.4180%	208
Net loans and leases to deposits	97.6546%	356
Net loans and leases to core deposits	118.8404%	256
Total domestic deposits to total assets	84.3974%	3,311
Equity capital to assets	10.4064%	2,355
Core capital (leverage) ratio	10.4336%	2,137
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.5729%	2,459
Memoranda:
Average total assets	$1,128,065,000	867
Average earning assets	$1,079,396,500	840
Average equity	$117,386,000	879
Average total loans	$946,859,500	706
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3476%	1,726
Cost of funding earning assets	0.7861%	1,268
Net interest margin	3.5615%	2,273
Noninterest income to average assets	0.1372%	4,604
Noninterest expense to average assets	1.5261%	4,760
Loan and lease loss provision to assets	0.7062%	223
Net operating income to assets	1.0209%	2,212
Return on assets (ROA)	1.0291%	2,327
Pretax return on assets	1.3286%	1,888
Return on Equity (ROE)	9.9620%	2,022
Retained earnings to average equity (ytd only)	9.9620%	591
Net charge-offs to loans	0.0022%	3,323
Credit loss provision to net charge-offs	37,500.0000%	31
Earnings coverage of net charge-offs (x)	1,074.9000%	108
Efficiency ratio	42.9822%	4,816
Assets per employee ($millions)	12.3327%	298
Cash dividends to net income (ytd only)*	0.0000%	3,731
Condition Ratios (%)
Loss allowance to loans	1.4225%	1,879
Loan loss allowance to noncurrent loans	532.9464%	1,079
Noncurrent assets plus other real estate owned to assets	0.2251%	3,156
Noncurrent loans to loans	0.2669%	3,240
Net loans and leases to total assets	83.1199%	224
Net loans and leases to deposits	98.7197%	428
Net loans and leases to core deposits	122.4037%	283
Total domestic deposits to total assets	84.1979%	3,050
Equity capital to assets	10.4055%	2,748
Core capital (leverage) ratio	10.1072%	2,505
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.4063%	2,487
Memoranda:
Average total assets	$1,061,956,800	832
Average earning assets	$1,017,751,800	805
Average equity	$109,707,000	890
Average total loans	$890,798,200	721
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3102%	2,067
Cost of funding earning assets	0.8777%	1,144
Net interest margin	3.4325%	2,807
Noninterest income to average assets	0.1943%	4,311
Noninterest expense to average assets	1.5184%	4,791
Loan and lease loss provision to assets	0.9524%	157
Net operating income to assets	0.7790%	3,171
Return on assets (ROA)	0.7845%	3,266
Pretax return on assets	1.0219%	2,986
Return on Equity (ROE)	7.6087%	2,954
Retained earnings to average equity (ytd only)	7.6087%	1,457
Net charge-offs to loans	0.0035%	3,045
Credit loss provision to net charge-offs	32,608.6957%	33
Earnings coverage of net charge-offs (x)	673.5652%	178
Efficiency ratio	43.5608%	4,809
Assets per employee ($millions)	12.5220%	293
Cash dividends to net income (ytd only)*	0.0000%	3,332
Condition Ratios (%)
Loss allowance to loans	1.4036%	1,724
Loan loss allowance to noncurrent loans	469.9859%	1,112
Noncurrent assets plus other real estate owned to assets	0.2869%	3,017
Noncurrent loans to loans	0.2986%	3,206
Net loans and leases to total assets	82.9620%	367
Net loans and leases to deposits	102.5910%	431
Net loans and leases to core deposits	121.7588%	379
Total domestic deposits to total assets	80.8668%	3,688
Equity capital to assets	9.9552%	3,267
Core capital (leverage) ratio	10.2033%	2,519
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.5404%	2,396
Memoranda:
Average total assets	$1,049,959,250	825
Average earning assets	$1,006,793,000	802
Average equity	$108,259,750	894
Average total loans	$879,522,750	723
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3477%	2,345
Cost of funding earning assets	0.9909%	1,013
Net interest margin	3.3568%	3,231
Noninterest income to average assets	0.2472%	3,992
Noninterest expense to average assets	1.4006%	4,905
Loan and lease loss provision to assets	0.9753%	221
Net operating income to assets	0.8083%	3,017
Return on assets (ROA)	0.8086%	3,130
Pretax return on assets	1.0890%	2,745
Return on Equity (ROE)	7.7439%	2,850
Retained earnings to average equity (ytd only)	7.7439%	1,387
Net charge-offs to loans	0.0063%	2,739
Credit loss provision to net charge-offs	18,500.0000%	65
Earnings coverage of net charge-offs (x)	391.4815%	263
Efficiency ratio	40.4272%	4,904
Assets per employee ($millions)	13.5903%	216
Cash dividends to net income (ytd only)*	0.0000%	3,182
Condition Ratios (%)
Loss allowance to loans	1.1533%	2,764
Loan loss allowance to noncurrent loans	219.3542%	1,999
Noncurrent assets plus other real estate owned to assets	0.5443%	2,179
Noncurrent loans to loans	0.5258%	2,587
Net loans and leases to total assets	79.2073%	695
Net loans and leases to deposits	102.5600%	433
Net loans and leases to core deposits	123.2078%	357
Total domestic deposits to total assets	77.2302%	4,292
Equity capital to assets	9.3880%	3,749
Core capital (leverage) ratio	10.0123%	2,835
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.4987%	2,399
Memoranda:
Average total assets	$1,024,284,333	829
Average earning assets	$981,704,333	805
Average equity	$106,948,667	900
Average total loans	$856,604,000	727
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6527%	1,844
Cost of funding earning assets	1.1976%	778
Net interest margin	3.4551%	3,141
Noninterest income to average assets	0.3483%	3,431
Noninterest expense to average assets	1.6176%	4,843
Loan and lease loss provision to assets	0.6281%	434
Net operating income to assets	1.0390%	2,041
Return on assets (ROA)	1.0390%	2,139
Pretax return on assets	1.4046%	1,551
Return on Equity (ROE)	9.3709%	1,969
Retained earnings to average equity (ytd only)	9.3709%	877
Net charge-offs to loans	-0.0029%	3,718
Credit loss provision to net charge-offs	-24,916.6667%	4,033
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	44.3140%	4,872
Assets per employee ($millions)	11.5976%	261
Cash dividends to net income (ytd only)*	0.0000%	2,581
Condition Ratios (%)
Loss allowance to loans	0.8893%	4,152
Loan loss allowance to noncurrent loans	361.2808%	1,307
Noncurrent assets plus other real estate owned to assets	0.3477%	3,047
Noncurrent loans to loans	0.2461%	3,602
Net loans and leases to total assets	81.9539%	438
Net loans and leases to deposits	98.1539%	696
Net loans and leases to core deposits	122.8059%	388
Total domestic deposits to total assets	83.4953%	2,949
Equity capital to assets	10.7620%	3,087
Core capital (leverage) ratio	11.3709%	2,182
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.9343%	2,319
Memoranda:
Average total assets	$952,043,000	863
Average earning assets	$909,835,500	833
Average equity	$105,561,000	909
Average total loans	$816,631,000	735
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9095%	1,726
Cost of funding earning assets	1.3920%	583
Net interest margin	3.5175%	3,397
Noninterest income to average assets	0.3185%	3,789
Noninterest expense to average assets	1.7252%	4,848
Loan and lease loss provision to assets	-0.0610%	5,032
Net operating income to assets	1.4823%	1,097
Return on assets (ROA)	1.4733%	1,180
Pretax return on assets	1.9789%	627
Return on Equity (ROE)	13.4568%	1,029
Retained earnings to average equity (ytd only)	13.4568%	141
Net charge-offs to loans	0.0356%	2,678
Credit loss provision to net charge-offs	-200.0000%	4,303
Earnings coverage of net charge-offs (x)	63.2937%	951
Efficiency ratio	47.2078%	4,865
Assets per employee ($millions)	10.9240%	301
Cash dividends to net income (ytd only)*	0.0000%	3,913
Condition Ratios (%)
Loss allowance to loans	0.7214%	4,530
Loan loss allowance to noncurrent loans	347.2024%	1,342
Noncurrent assets plus other real estate owned to assets	0.7338%	1,769
Noncurrent loans to loans	0.2078%	3,713
Net loans and leases to total assets	88.5297%	75
Net loans and leases to deposits	105.4078%	322
Net loans and leases to core deposits	123.7740%	390
Total domestic deposits to total assets	83.9878%	2,849
Equity capital to assets	11.4463%	2,577
Core capital (leverage) ratio	11.5447%	2,078
Tier 1 risk-based capital ratio	13.0463%	3,770
Total risk-based capital ratio	13.7820%	3,934
Memoranda:
Average total assets	$882,500,000	891
Average earning assets	$836,950,400	864
Average equity	$96,620,000	925
Average total loans	$755,625,800	756
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8853%	1,858
Cost of funding earning assets	1.4199%	538
Net interest margin	3.4654%	3,679
Noninterest income to average assets	0.2965%	3,964
Noninterest expense to average assets	1.7216%	4,900
Loan and lease loss provision to assets	-0.1141%	5,173
Net operating income to assets	1.4694%	1,277
Return on assets (ROA)	1.4488%	1,389
Pretax return on assets	1.9461%	781
Return on Equity (ROE)	13.3908%	1,145
Retained earnings to average equity (ytd only)	13.3908%	240
Net charge-offs to loans	0.0449%	2,194
Credit loss provision to net charge-offs	-300.0000%	4,235
Earnings coverage of net charge-offs (x)	48.8553%	1,217
Efficiency ratio	48.0940%	4,848
Assets per employee ($millions)	10.9558%	276
Cash dividends to net income (ytd only)*	0.0000%	3,563
Condition Ratios (%)
Loss allowance to loans	0.7195%	4,609
Loan loss allowance to noncurrent loans	344.3223%	1,351
Noncurrent assets plus other real estate owned to assets	0.7155%	1,914
Noncurrent loans to loans	0.2090%	3,790
Net loans and leases to total assets	85.5781%	217
Net loans and leases to deposits	99.2337%	703
Net loans and leases to core deposits	117.4737%	612
Total domestic deposits to total assets	86.2389%	1,890
Equity capital to assets	11.0412%	3,068
Core capital (leverage) ratio	11.2984%	2,380
Tier 1 risk-based capital ratio	12.8554%	3,928
Total risk-based capital ratio	13.5817%	4,117
Memoranda:
Average total assets	$876,451,250	897
Average earning assets	$830,364,500	867
Average equity	$94,829,250	940
Average total loans	$742,400,500	766
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8753%	1,834
Cost of funding earning assets	1.4374%	472
Net interest margin	3.4380%	3,777
Noninterest income to average assets	0.2694%	4,135
Noninterest expense to average assets	1.7264%	4,953
Loan and lease loss provision to assets	-0.1733%	5,242
Net operating income to assets	1.4760%	1,215
Return on assets (ROA)	1.4274%	1,404
Pretax return on assets	1.9104%	820
Return on Equity (ROE)	13.2879%	1,162
Retained earnings to average equity (ytd only)	13.2879%	276
Net charge-offs to loans	0.0678%	1,689
Credit loss provision to net charge-offs	-303.6437%	4,045
Earnings coverage of net charge-offs (x)	31.5101%	1,426
Efficiency ratio	48.9773%	4,840
Assets per employee ($millions)	10.2508%	315
Cash dividends to net income (ytd only)*	0.0000%	3,431
Condition Ratios (%)
Loss allowance to loans	0.7619%	4,575
Loan loss allowance to noncurrent loans	763.5995%	721
Noncurrent assets plus other real estate owned to assets	0.7655%	1,821
Noncurrent loans to loans	0.0998%	4,232
Net loans and leases to total assets	83.3707%	424
Net loans and leases to deposits	94.4150%	1,214
Net loans and leases to core deposits	115.0534%	726
Total domestic deposits to total assets	88.3024%	963
Equity capital to assets	10.9892%	3,068
Core capital (leverage) ratio	11.2522%	2,375
Tier 1 risk-based capital ratio	13.1055%	3,784
Total risk-based capital ratio	13.8726%	3,953
Memoranda:
Average total assets	$865,491,000	904
Average earning assets	$819,557,000	879
Average equity	$92,972,000	949
Average total loans	$728,591,000	778
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8532%	1,755
Cost of funding earning assets	1.4233%	422
Net interest margin	3.4299%	3,814
Noninterest income to average assets	0.3163%	3,743
Noninterest expense to average assets	1.7517%	4,967
Loan and lease loss provision to assets	-0.2099%	5,314
Net operating income to assets	1.5276%	1,059
Return on assets (ROA)	1.4182%	1,357
Pretax return on assets	1.8814%	827
Return on Equity (ROE)	13.3598%	1,123
Retained earnings to average equity (ytd only)	13.3598%	419
Net charge-offs to loans	0.0161%	2,155
Credit loss provision to net charge-offs	-1,551.7241%	4,028
Earnings coverage of net charge-offs (x)	133.7931%	548
Efficiency ratio	49.1814%	4,882
Assets per employee ($millions)	10.1864%	322
Cash dividends to net income (ytd only)*	0.0000%	2,768
Condition Ratios (%)
Loss allowance to loans	0.8362%	4,400
Loan loss allowance to noncurrent loans	833.6942%	717
Noncurrent assets plus other real estate owned to assets	0.9148%	1,533
Noncurrent loans to loans	0.1003%	4,289
Net loans and leases to total assets	84.3791%	338
Net loans and leases to deposits	95.9443%	968
Net loans and leases to core deposits	117.8303%	585
Total domestic deposits to total assets	87.9459%	1,364
Equity capital to assets	10.7478%	3,107
Core capital (leverage) ratio	10.9395%	2,620
Tier 1 risk-based capital ratio	12.5930%	4,107
Total risk-based capital ratio	13.4257%	4,245
Memoranda:
Average total assets	$857,453,000	915
Average earning assets	$811,346,000	889
Average equity	$91,019,500	957
Average total loans	$722,580,500	788
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6894%	1,855
Cost of funding earning assets	1.1339%	447
Net interest margin	3.5555%	3,524
Noninterest income to average assets	0.2107%	4,650
Noninterest expense to average assets	1.7334%	5,058
Loan and lease loss provision to assets	0.0714%	2,707
Net operating income to assets	1.3364%	1,663
Return on assets (ROA)	1.3325%	1,667
Pretax return on assets	1.7701%	997
Return on Equity (ROE)	13.2027%	1,269
Retained earnings to average equity (ytd only)	13.2027%	216
Net charge-offs to loans	0.0128%	3,259
Credit loss provision to net charge-offs	666.2791%	526
Earnings coverage of net charge-offs (x)	172.3953%	506
Efficiency ratio	48.4223%	5,025
Assets per employee ($millions)	10.2297%	325
Cash dividends to net income (ytd only)*	0.0000%	4,013
Condition Ratios (%)
Loss allowance to loans	0.9375%	4,003
Loan loss allowance to noncurrent loans	1,485.6823%	454
Noncurrent assets plus other real estate owned to assets	0.8985%	1,546
Noncurrent loans to loans	0.0631%	4,469
Net loans and leases to total assets	82.6521%	567
Net loans and leases to deposits	97.5875%	936
Net loans and leases to core deposits	117.8546%	625
Total domestic deposits to total assets	84.6954%	2,770
Equity capital to assets	10.4798%	3,212
Core capital (leverage) ratio	10.8273%	2,702
Tier 1 risk-based capital ratio	12.5523%	4,104
Total risk-based capital ratio	13.4779%	4,169
Memoranda:
Average total assets	$802,989,200	946
Average earning assets	$760,886,200	925
Average equity	$81,044,000	1,017
Average total loans	$672,969,800	818
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6922%	1,701
Cost of funding earning assets	1.0630%	459
Net interest margin	3.6291%	3,270
Noninterest income to average assets	0.1922%	4,822
Noninterest expense to average assets	1.7909%	5,046
Loan and lease loss provision to assets	0.0758%	2,444
Net operating income to assets	1.3106%	1,811
Return on assets (ROA)	1.3054%	1,841
Pretax return on assets	1.7621%	1,107
Return on Equity (ROE)	13.0682%	1,406
Retained earnings to average equity (ytd only)	13.0682%	352
Net charge-offs to loans	0.0078%	3,134
Credit loss provision to net charge-offs	1,153.8462%	357
Earnings coverage of net charge-offs (x)	280.7365%	327
Efficiency ratio	49.2632%	4,982
Assets per employee ($millions)	9.9904%	335
Cash dividends to net income (ytd only)*	0.0000%	3,598
Condition Ratios (%)
Loss allowance to loans	0.9372%	4,105
Loan loss allowance to noncurrent loans	1,220.0743%	505
Noncurrent assets plus other real estate owned to assets	1.0078%	1,442
Noncurrent loans to loans	0.0768%	4,535
Net loans and leases to total assets	83.6712%	492
Net loans and leases to deposits	96.8873%	1,049
Net loans and leases to core deposits	115.7651%	729
Total domestic deposits to total assets	86.3593%	2,035
Equity capital to assets	10.2700%	3,375
Core capital (leverage) ratio	10.7111%	2,873
Tier 1 risk-based capital ratio	12.3322%	4,296
Total risk-based capital ratio	13.2624%	4,381
Memoranda:
Average total assets	$791,470,250	957
Average earning assets	$750,909,250	933
Average equity	$79,060,000	1,030
Average total loans	$664,109,500	830
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6153%	1,736
Cost of funding earning assets	0.9934%	482
Net interest margin	3.6219%	3,227
Noninterest income to average assets	0.2213%	4,699
Noninterest expense to average assets	1.8010%	5,089
Loan and lease loss provision to assets	0.1155%	1,719
Net operating income to assets	1.2882%	1,826
Return on assets (ROA)	1.2803%	1,861
Pretax return on assets	1.7276%	1,147
Return on Equity (ROE)	12.9461%	1,391
Retained earnings to average equity (ytd only)	12.9461%	389
Net charge-offs to loans	0.0049%	2,999
Credit loss provision to net charge-offs	2,812.5000%	154
Earnings coverage of net charge-offs (x)	451.0625%	201
Efficiency ratio	49.2868%	5,063
Assets per employee ($millions)	9.7254%	348
Cash dividends to net income (ytd only)*	0.0000%	3,456
Condition Ratios (%)
Loss allowance to loans	0.9731%	3,995
Loan loss allowance to noncurrent loans	1,386.7368%	439
Noncurrent assets plus other real estate owned to assets	1.0788%	1,373
Noncurrent loans to loans	0.0702%	4,605
Net loans and leases to total assets	83.0406%	575
Net loans and leases to deposits	94.3122%	1,323
Net loans and leases to core deposits	110.8804%	945
Total domestic deposits to total assets	88.0486%	1,352
Equity capital to assets	10.2412%	3,398
Core capital (leverage) ratio	10.7159%	2,791
Tier 1 risk-based capital ratio	12.2022%	4,370
Total risk-based capital ratio	13.1569%	4,436
Memoranda:
Average total assets	$778,892,000	972
Average earning assets	$738,239,330	953
Average equity	$77,027,000	1,059
Average total loans	$652,022,670	843
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5472%	1,723
Cost of funding earning assets	0.9279%	524
Net interest margin	3.6193%	3,106
Noninterest income to average assets	0.2275%	4,650
Noninterest expense to average assets	1.8192%	5,131
Loan and lease loss provision to assets	0.1177%	1,604
Net operating income to assets	1.2774%	1,722
Return on assets (ROA)	1.2621%	1,777
Pretax return on assets	1.7031%	1,108
Return on Equity (ROE)	13.0069%	1,260
Retained earnings to average equity (ytd only)	13.0069%	523
Net charge-offs to loans	0.0031%	2,626
Credit loss provision to net charge-offs	4,500.0000%	81
Earnings coverage of net charge-offs (x)	703.6000%	89
Efficiency ratio	49.7141%	5,098
Assets per employee ($millions)	9.6630%	359
Cash dividends to net income (ytd only)*	0.0000%	2,749
Condition Ratios (%)
Loss allowance to loans	0.9763%	4,083
Loan loss allowance to noncurrent loans	828.7386%	698
Noncurrent assets plus other real estate owned to assets	1.2617%	1,179
Noncurrent loans to loans	0.1178%	4,438
Net loans and leases to total assets	82.5886%	589
Net loans and leases to deposits	92.5643%	1,379
Net loans and leases to core deposits	107.1516%	1,170
Total domestic deposits to total assets	89.2229%	998
Equity capital to assets	9.7715%	3,817
Core capital (leverage) ratio	10.2373%	3,257
Tier 1 risk-based capital ratio	11.5735%	4,825
Total risk-based capital ratio	12.5242%	4,881
Memoranda:
Average total assets	$764,733,500	992
Average earning assets	$725,108,500	972
Average equity	$74,206,500	1,108
Average total loans	$639,585,000	857
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5307%	1,613
Cost of funding earning assets	0.8134%	580
Net interest margin	3.7173%	2,731
Noninterest income to average assets	0.1975%	4,963
Noninterest expense to average assets	1.9380%	5,065
Loan and lease loss provision to assets	0.1476%	1,545
Net operating income to assets	0.8675%	2,879
Return on assets (ROA)	0.8756%	2,862
Pretax return on assets	1.6235%	1,230
Return on Equity (ROE)	8.7466%	2,432
Retained earnings to average equity (ytd only)	8.7466%	548
Net charge-offs to loans	0.0234%	3,339
Credit loss provision to net charge-offs	750.7463%	440
Earnings coverage of net charge-offs (x)	89.4478%	704
Efficiency ratio	52.4290%	5,076
Assets per employee ($millions)	9.4527%	377
Cash dividends to net income (ytd only)*	0.0000%	4,098
Condition Ratios (%)
Loss allowance to loans	0.9823%	4,038
Loan loss allowance to noncurrent loans	394.6761%	1,343
Noncurrent assets plus other real estate owned to assets	1.2104%	1,216
Noncurrent loans to loans	0.2489%	3,900
Net loans and leases to total assets	83.0545%	553
Net loans and leases to deposits	96.2342%	1,071
Net loans and leases to core deposits	111.9137%	903
Total domestic deposits to total assets	86.3045%	2,312
Equity capital to assets	9.6324%	4,109
Core capital (leverage) ratio	9.9216%	3,551
Tier 1 risk-based capital ratio	11.1371%	5,069
Total risk-based capital ratio	12.0869%	5,129
Memoranda:
Average total assets	$681,617,800	1,067
Average earning assets	$641,598,600	1,047
Average equity	$68,232,600	1,172
Average total loans	$572,940,800	900
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5008%	1,636
Cost of funding earning assets	0.7898%	611
Net interest margin	3.7110%	2,714
Noninterest income to average assets	0.2036%	4,994
Noninterest expense to average assets	1.9326%	5,087
Loan and lease loss provision to assets	0.1513%	1,373
Net operating income to assets	0.9952%	2,576
Return on assets (ROA)	1.0062%	2,564
Pretax return on assets	1.6218%	1,347
Return on Equity (ROE)	9.9461%	2,157
Retained earnings to average equity (ytd only)	9.9461%	599
Net charge-offs to loans	0.0241%	2,966
Credit loss provision to net charge-offs	747.5248%	462
Earnings coverage of net charge-offs (x)	86.7546%	766
Efficiency ratio	52.3960%	5,068
Assets per employee ($millions)	9.2413%	396
Cash dividends to net income (ytd only)*	0.0000%	3,680
Condition Ratios (%)
Loss allowance to loans	0.9875%	4,131
Loan loss allowance to noncurrent loans	270.5105%	1,728
Noncurrent assets plus other real estate owned to assets	1.2512%	1,302
Noncurrent loans to loans	0.3650%	3,644
Net loans and leases to total assets	83.6290%	475
Net loans and leases to deposits	96.3545%	1,082
Net loans and leases to core deposits	111.1804%	965
Total domestic deposits to total assets	86.7931%	1,960
Equity capital to assets	9.8434%	4,094
Core capital (leverage) ratio	10.0532%	3,504
Tier 1 risk-based capital ratio	11.1900%	5,132
Total risk-based capital ratio	12.1393%	5,198
Memoranda:
Average total assets	$665,331,500	1,101
Average earning assets	$624,792,500	1,084
Average equity	$67,308,000	1,192
Average total loans	$559,582,750	921
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4560%	1,642
Cost of funding earning assets	0.7715%	610
Net interest margin	3.6845%	2,705
Noninterest income to average assets	0.1776%	5,166
Noninterest expense to average assets	1.9707%	5,033
Loan and lease loss provision to assets	0.1613%	1,239
Net operating income to assets	0.9281%	2,772
Return on assets (ROA)	0.9444%	2,753
Pretax return on assets	1.5217%	1,562
Return on Equity (ROE)	9.2445%	2,391
Retained earnings to average equity (ytd only)	9.2445%	776
Net charge-offs to loans	0.0363%	2,469
Credit loss provision to net charge-offs	529.2929%	632
Earnings coverage of net charge-offs (x)	54.4040%	1,014
Efficiency ratio	54.3172%	4,992
Assets per employee ($millions)	9.0510%	417
Cash dividends to net income (ytd only)*	0.0000%	3,521
Condition Ratios (%)
Loss allowance to loans	0.9916%	4,198
Loan loss allowance to noncurrent loans	724.1117%	758
Noncurrent assets plus other real estate owned to assets	1.3671%	1,159
Noncurrent loans to loans	0.1369%	4,568
Net loans and leases to total assets	83.9322%	453
Net loans and leases to deposits	94.8177%	1,196
Net loans and leases to core deposits	105.8637%	1,245
Total domestic deposits to total assets	88.5195%	1,194
Equity capital to assets	10.0255%	3,883
Core capital (leverage) ratio	10.1952%	3,284
Tier 1 risk-based capital ratio	11.4491%	4,990
Total risk-based capital ratio	12.4147%	5,053
Memoranda:
Average total assets	$649,914,330	1,126
Average earning assets	$608,659,670	1,113
Average equity	$66,396,000	1,204
Average total loans	$545,768,670	942
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4270%	1,564
Cost of funding earning assets	0.7658%	596
Net interest margin	3.6612%	2,646
Noninterest income to average assets	0.2077%	5,026
Noninterest expense to average assets	2.0143%	5,023
Loan and lease loss provision to assets	0.1454%	1,289
Net operating income to assets	0.9127%	2,695
Return on assets (ROA)	0.9127%	2,748
Pretax return on assets	1.4698%	1,639
Return on Equity (ROE)	8.8460%	2,487
Retained earnings to average equity (ytd only)	8.8460%	1,132
Net charge-offs to loans	0.0023%	2,886
Credit loss provision to net charge-offs	7,700.0000%	32
Earnings coverage of net charge-offs (x)	855.3333%	52
Efficiency ratio	55.4977%	4,993
Assets per employee ($millions)	8.6910%	472
Cash dividends to net income (ytd only)*	0.0000%	2,824
Condition Ratios (%)
Loss allowance to loans	1.0083%	4,231
Loan loss allowance to noncurrent loans	1,257.7626%	502
Noncurrent assets plus other real estate owned to assets	1.4143%	1,173
Noncurrent loans to loans	0.0802%	4,874
Net loans and leases to total assets	82.9715%	466
Net loans and leases to deposits	94.4876%	1,066
Net loans and leases to core deposits	103.4272%	1,257
Total domestic deposits to total assets	87.8121%	1,817
Equity capital to assets	10.1737%	3,538
Core capital (leverage) ratio	10.4878%	2,917
Tier 1 risk-based capital ratio	11.6968%	4,913
Total risk-based capital ratio	12.6734%	4,978
Memoranda:
Average total assets	$635,460,500	1,151
Average earning assets	$593,901,000	1,136
Average equity	$65,566,500	1,215
Average total loans	$530,925,000	969
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5506%	1,404
Cost of funding earning assets	0.7603%	604
Net interest margin	3.7903%	2,352
Noninterest income to average assets	0.1031%	5,639
Noninterest expense to average assets	2.2177%	4,734
Loan and lease loss provision to assets	0.0285%	3,782
Net operating income to assets	0.8476%	3,076
Return on assets (ROA)	0.8590%	3,141
Pretax return on assets	1.3848%	1,998
Return on Equity (ROE)	9.3190%	2,265
Retained earnings to average equity (ytd only)	9.3190%	522
Net charge-offs to loans	0.0133%	3,833
Credit loss provision to net charge-offs	253.2258%	1,142
Earnings coverage of net charge-offs (x)	123.8387%	497
Efficiency ratio	61.0343%	4,413
Assets per employee ($millions)	8.4808%	504
Cash dividends to net income (ytd only)*	0.0000%	4,198
Condition Ratios (%)
Loss allowance to loans	1.0244%	4,170
Loan loss allowance to noncurrent loans	419.1270%	1,221
Noncurrent assets plus other real estate owned to assets	1.6219%	973
Noncurrent loans to loans	0.2444%	4,274
Net loans and leases to total assets	82.4155%	550
Net loans and leases to deposits	94.2857%	1,169
Net loans and leases to core deposits	101.8033%	1,458
Total domestic deposits to total assets	87.4103%	1,926
Equity capital to assets	10.4698%	3,186
Core capital (leverage) ratio	10.9729%	2,367
Tier 1 risk-based capital ratio	12.2233%	4,558
Total risk-based capital ratio	13.2241%	4,632
Memoranda:
Average total assets	$550,172,800	1,259
Average earning assets	$509,517,600	1,255
Average equity	$50,713,400	1,496
Average total loans	$466,100,800	1,038
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5855%	1,320
Cost of funding earning assets	0.7596%	609
Net interest margin	3.8259%	2,243
Noninterest income to average assets	0.1439%	5,541
Noninterest expense to average assets	2.2563%	4,636
Loan and lease loss provision to assets	0.0395%	3,450
Net operating income to assets	0.8527%	3,136
Return on assets (ROA)	0.8684%	3,179
Pretax return on assets	1.4072%	2,013
Return on Equity (ROE)	9.8075%	2,138
Retained earnings to average equity (ytd only)	9.8075%	615
Net charge-offs to loans	-0.0088%	4,737
Credit loss provision to net charge-offs	-526.6667%	5,086
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	60.8814%	4,412
Assets per employee ($millions)	8.4849%	484
Cash dividends to net income (ytd only)*	0.0000%	3,760
Condition Ratios (%)
Loss allowance to loans	1.0842%	3,921
Loan loss allowance to noncurrent loans	288.4595%	1,670
Noncurrent assets plus other real estate owned to assets	1.8370%	887
Noncurrent loans to loans	0.3759%	3,918
Net loans and leases to total assets	84.9767%	328
Net loans and leases to deposits	95.4719%	1,103
Net loans and leases to core deposits	103.7921%	1,357
Total domestic deposits to total assets	89.0070%	904
Equity capital to assets	8.6752%	5,416
Core capital (leverage) ratio	8.7522%	5,097
Tier 1 risk-based capital ratio	9.8533%	5,825
Total risk-based capital ratio	10.9214%	5,836
Memoranda:
Average total assets	$532,942,250	1,301
Average earning assets	$492,384,500	1,292
Average equity	$47,187,250	1,607
Average total loans	$453,748,250	1,070
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5974%	1,272
Cost of funding earning assets	0.7496%	633
Net interest margin	3.8478%	2,147
Noninterest income to average assets	0.2084%	5,247
Noninterest expense to average assets	2.3027%	4,606
Loan and lease loss provision to assets	0.0610%	2,919
Net operating income to assets	0.8534%	3,083
Return on assets (ROA)	0.8640%	3,147
Pretax return on assets	1.4051%	2,005
Return on Equity (ROE)	9.6860%	2,185
Retained earnings to average equity (ytd only)	9.6860%	663
Net charge-offs to loans	-0.0236%	5,019
Credit loss provision to net charge-offs	-303.8462%	4,822
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	60.8454%	4,531
Assets per employee ($millions)	7.6430%	657
Cash dividends to net income (ytd only)*	0.0000%	3,619
Condition Ratios (%)
Loss allowance to loans	1.1461%	3,684
Loan loss allowance to noncurrent loans	16,351.5152%	40
Noncurrent assets plus other real estate owned to assets	1.9366%	855
Noncurrent loans to loans	0.0070%	5,482
Net loans and leases to total assets	85.7710%	265
Net loans and leases to deposits	96.6549%	1,010
Net loans and leases to core deposits	107.3712%	1,067
Total domestic deposits to total assets	88.7394%	1,047
Equity capital to assets	8.7739%	5,425
Core capital (leverage) ratio	8.8591%	4,989
Tier 1 risk-based capital ratio	10.0212%	5,850
Total risk-based capital ratio	11.1723%	5,827
Memoranda:
Average total assets	$518,264,330	1,334
Average earning assets	$477,315,330	1,335
Average equity	$46,231,670	1,637
Average total loans	$439,774,670	1,114
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5287%	1,429
Cost of funding earning assets	0.7436%	656
Net interest margin	3.7851%	2,346
Noninterest income to average assets	0.3051%	4,541
Noninterest expense to average assets	2.3949%	4,391
Loan and lease loss provision to assets	0.1249%	1,697
Net operating income to assets	0.7824%	3,338
Return on assets (ROA)	0.7865%	3,421
Pretax return on assets	1.2678%	2,434
Return on Equity (ROE)	8.7393%	2,543
Retained earnings to average equity (ytd only)	8.7393%	1,188
Net charge-offs to loans	-0.0405%	5,222
Credit loss provision to net charge-offs	-367.4419%	4,469
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	62.8135%	4,324
Assets per employee ($millions)	7.4892%	711
Cash dividends to net income (ytd only)*	0.0000%	2,863
Condition Ratios (%)
Loss allowance to loans	1.2450%	3,231
Loan loss allowance to noncurrent loans	362.7609%	1,365
Noncurrent assets plus other real estate owned to assets	2.3884%	642
Noncurrent loans to loans	0.3432%	4,207
Net loans and leases to total assets	82.6927%	482
Net loans and leases to deposits	93.3125%	1,202
Net loans and leases to core deposits	103.0742%	1,254
Total domestic deposits to total assets	88.6190%	1,297
Equity capital to assets	8.9495%	5,217
Core capital (leverage) ratio	9.0553%	4,790
Tier 1 risk-based capital ratio	10.7669%	5,627
Total risk-based capital ratio	12.0177%	5,530
Memoranda:
Average total assets	$506,070,500	1,366
Average earning assets	$464,769,500	1,369
Average equity	$45,541,500	1,655
Average total loans	$424,245,000	1,145
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6121%	1,306
Cost of funding earning assets	0.6638%	995
Net interest margin	3.9482%	1,878
Noninterest income to average assets	0.3113%	4,665
Noninterest expense to average assets	2.5219%	4,157
Loan and lease loss provision to assets	0.1708%	1,341
Net operating income to assets	0.7679%	3,478
Return on assets (ROA)	0.7716%	3,541
Pretax return on assets	1.2404%	2,503
Return on Equity (ROE)	8.4214%	2,749
Retained earnings to average equity (ytd only)	8.4214%	799
Net charge-offs to loans	0.0279%	3,669
Credit loss provision to net charge-offs	752.4272%	441
Earnings coverage of net charge-offs (x)	61.9029%	851
Efficiency ratio	63.6282%	4,344
Assets per employee ($millions)	6.9772%	898
Cash dividends to net income (ytd only)*	0.0000%	4,258
Condition Ratios (%)
Loss allowance to loans	1.2473%	3,191
Loan loss allowance to noncurrent loans	349.2256%	1,431
Noncurrent assets plus other real estate owned to assets	2.5009%	621
Noncurrent loans to loans	0.3572%	4,171
Net loans and leases to total assets	82.8846%	496
Net loans and leases to deposits	94.7674%	1,131
Net loans and leases to core deposits	104.5513%	1,193
Total domestic deposits to total assets	87.4610%	1,902
Equity capital to assets	9.0508%	5,080
Core capital (leverage) ratio	9.0482%	4,819
Tier 1 risk-based capital ratio	10.9556%	5,543
Total risk-based capital ratio	12.2066%	5,449
Memoranda:
Average total assets	$453,628,600	1,479
Average earning assets	$415,475,600	1,483
Average equity	$41,560,600	1,742
Average total loans	$369,315,600	1,234
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6094%	1,306
Cost of funding earning assets	0.6388%	1,157
Net interest margin	3.9706%	1,802
Noninterest income to average assets	0.2187%	5,349
Noninterest expense to average assets	2.4819%	4,254
Loan and lease loss provision to assets	0.1805%	1,153
Net operating income to assets	0.7428%	3,718
Return on assets (ROA)	0.7467%	3,793
Pretax return on assets	1.1977%	2,830
Return on Equity (ROE)	8.1225%	3,008
Retained earnings to average equity (ytd only)	8.1225%	1,202
Net charge-offs to loans	0.0384%	3,128
Credit loss provision to net charge-offs	582.5243%	584
Earnings coverage of net charge-offs (x)	44.2815%	1,141
Efficiency ratio	63.7889%	4,288
Assets per employee ($millions)	6.8961%	907
Cash dividends to net income (ytd only)*	0.0000%	3,801
Condition Ratios (%)
Loss allowance to loans	1.2679%	3,269
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	2.1561%	900
Noncurrent loans to loans	0.0000%	5,684
Net loans and leases to total assets	79.6934%	861
Net loans and leases to deposits	89.6498%	1,695
Net loans and leases to core deposits	102.1493%	1,373
Total domestic deposits to total assets	88.8942%	1,080
Equity capital to assets	8.6844%	5,587
Core capital (leverage) ratio	8.8931%	5,127
Tier 1 risk-based capital ratio	10.6660%	5,817
Total risk-based capital ratio	11.9183%	5,744
Memoranda:
Average total assets	$443,190,000	1,522
Average earning assets	$405,768,250	1,525
Average equity	$40,741,750	1,785
Average total loans	$357,699,000	1,273
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6892%	1,092
Cost of funding earning assets	0.6225%	1,275
Net interest margin	4.0667%	1,455
Noninterest income to average assets	0.2081%	5,438
Noninterest expense to average assets	2.4886%	4,275
Loan and lease loss provision to assets	0.2455%	723
Net operating income to assets	0.7469%	3,653
Return on assets (ROA)	0.7505%	3,740
Pretax return on assets	1.1975%	2,784
Return on Equity (ROE)	7.9953%	3,056
Retained earnings to average equity (ytd only)	7.9953%	1,272
Net charge-offs to loans	-0.0365%	5,413
Credit loss provision to net charge-offs	-833.3333%	5,313
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	62.7680%	4,552
Assets per employee ($millions)	6.1454%	1,248
Cash dividends to net income (ytd only)*	0.0000%	3,641
Condition Ratios (%)
Loss allowance to loans	1.4119%	2,701
Loan loss allowance to noncurrent loans	3,055.0898%	218
Noncurrent assets plus other real estate owned to assets	1.9638%	1,129
Noncurrent loans to loans	0.0462%	5,564
Net loans and leases to total assets	80.5156%	735
Net loans and leases to deposits	91.2985%	1,451
Net loans and leases to core deposits	107.3517%	1,001
Total domestic deposits to total assets	88.1894%	1,554
Equity capital to assets	9.2355%	4,974
Core capital (leverage) ratio	9.1385%	4,763
Tier 1 risk-based capital ratio	11.2251%	5,610
Total risk-based capital ratio	12.4795%	5,534
Memoranda:
Average total assets	$427,711,670	1,577
Average earning assets	$391,027,670	1,581
Average equity	$40,148,670	1,816
Average total loans	$345,195,330	1,308
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8070%	853
Cost of funding earning assets	0.6200%	1,305
Net interest margin	4.1870%	1,091
Noninterest income to average assets	0.1884%	5,583
Noninterest expense to average assets	2.6036%	3,905
Loan and lease loss provision to assets	0.2493%	668
Net operating income to assets	0.7432%	3,578
Return on assets (ROA)	0.7432%	3,704
Pretax return on assets	1.1657%	2,809
Return on Equity (ROE)	7.8510%	3,035
Retained earnings to average equity (ytd only)	7.8510%	1,626
Net charge-offs to loans	-0.0083%	4,644
Credit loss provision to net charge-offs	-3,742.8571%	5,234
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	64.1724%	4,450
Assets per employee ($millions)	6.3982%	1,142
Cash dividends to net income (ytd only)*	0.0000%	2,870
Condition Ratios (%)
Loss allowance to loans	1.4036%	2,899
Loan loss allowance to noncurrent loans	552.9480%	926
Noncurrent assets plus other real estate owned to assets	2.1944%	1,047
Noncurrent loans to loans	0.2538%	4,878
Net loans and leases to total assets	78.3738%	875
Net loans and leases to deposits	89.1102%	1,491
Net loans and leases to core deposits	109.3356%	781
Total domestic deposits to total assets	87.9516%	1,855
Equity capital to assets	9.3986%	4,856
Core capital (leverage) ratio	9.1206%	4,824
Tier 1 risk-based capital ratio	11.5701%	5,511
Total risk-based capital ratio	12.8222%	5,428
Memoranda:
Average total assets	$420,334,500	1,609
Average earning assets	$384,526,000	1,611
Average equity	$39,791,000	1,839
Average total loans	$337,115,000	1,334
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5121%	1,824
Cost of funding earning assets	0.5986%	1,767
Net interest margin	3.9135%	2,187
Noninterest income to average assets	0.2995%	4,984
Noninterest expense to average assets	2.5462%	4,406
Loan and lease loss provision to assets	0.3080%	664
Net operating income to assets	0.6623%	4,075
Return on assets (ROA)	0.6623%	4,174
Pretax return on assets	1.0444%	3,328
Return on Equity (ROE)	6.8778%	3,702
Retained earnings to average equity (ytd only)	6.8778%	1,460
Net charge-offs to loans	0.5952%	669
Credit loss provision to net charge-offs	64.0771%	3,203
Earnings coverage of net charge-offs (x)	2.8138%	4,056
Efficiency ratio	64.5700%	4,488
Assets per employee ($millions)	6.3383%	1,159
Cash dividends to net income (ytd only)*	0.0000%	4,317
Condition Ratios (%)
Loss allowance to loans	1.3536%	3,158
Loan loss allowance to noncurrent loans	256.9152%	1,857
Noncurrent assets plus other real estate owned to assets	2.2702%	1,057
Noncurrent loans to loans	0.5269%	4,089
Net loans and leases to total assets	79.8468%	754
Net loans and leases to deposits	92.7204%	1,212
Net loans and leases to core deposits	108.5143%	857
Total domestic deposits to total assets	86.1156%	2,774
Equity capital to assets	9.5371%	4,678
Core capital (leverage) ratio	9.6558%	4,028
Tier 1 risk-based capital ratio	11.9850%	5,377
Total risk-based capital ratio	13.2365%	5,275
Memoranda:
Average total assets	$377,624,200	1,733
Average earning assets	$347,287,600	1,726
Average equity	$36,363,400	1,932
Average total loans	$304,953,600	1,410
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4942%	1,891
Cost of funding earning assets	0.5801%	2,018
Net interest margin	3.9141%	2,182
Noninterest income to average assets	0.2175%	5,627
Noninterest expense to average assets	2.5359%	4,407
Loan and lease loss provision to assets	0.4119%	406
Net operating income to assets	0.5553%	4,653
Return on assets (ROA)	0.5553%	4,734
Pretax return on assets	0.8678%	4,112
Return on Equity (ROE)	5.7514%	4,363
Retained earnings to average equity (ytd only)	5.7514%	2,569
Net charge-offs to loans	0.7911%	422
Credit loss provision to net charge-offs	64.5161%	2,861
Earnings coverage of net charge-offs (x)	2.0045%	4,018
Efficiency ratio	65.6851%	4,258
Assets per employee ($millions)	6.1863%	1,214
Cash dividends to net income (ytd only)*	0.0000%	3,806
Condition Ratios (%)
Loss allowance to loans	1.4374%	3,005
Loan loss allowance to noncurrent loans	239.2725%	1,882
Noncurrent assets plus other real estate owned to assets	2.3364%	1,162
Noncurrent loans to loans	0.6007%	4,130
Net loans and leases to total assets	77.4010%	1,043
Net loans and leases to deposits	89.9576%	1,433
Net loans and leases to core deposits	104.4872%	1,074
Total domestic deposits to total assets	86.0416%	2,829
Equity capital to assets	9.4835%	4,810
Core capital (leverage) ratio	9.1504%	4,853
Tier 1 risk-based capital ratio	11.6585%	5,698
Total risk-based capital ratio	12.9115%	5,616
Memoranda:
Average total assets	$369,033,000	1,775
Average earning assets	$339,247,250	1,776
Average equity	$35,631,250	1,975
Average total loans	$297,823,500	1,440
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4571%	1,969
Cost of funding earning assets	0.5374%	2,462
Net interest margin	3.9197%	2,084
Noninterest income to average assets	0.1274%	6,174
Noninterest expense to average assets	2.5268%	4,492
Loan and lease loss provision to assets	0.4609%	339
Net operating income to assets	0.4832%	4,876
Return on assets (ROA)	0.4832%	4,945
Pretax return on assets	0.7419%	4,490
Return on Equity (ROE)	4.9717%	4,687
Retained earnings to average equity (ytd only)	4.9717%	2,977
Net charge-offs to loans	1.0204%	348
Credit loss provision to net charge-offs	55.4063%	2,710
Earnings coverage of net charge-offs (x)	1.4459%	3,804
Efficiency ratio	66.9263%	4,211
Assets per employee ($millions)	6.2645%	1,129
Cash dividends to net income (ytd only)*	0.0000%	3,638
Condition Ratios (%)
Loss allowance to loans	1.4305%	3,197
Loan loss allowance to noncurrent loans	102.9264%	3,568
Noncurrent assets plus other real estate owned to assets	2.4441%	1,172
Noncurrent loans to loans	1.3898%	2,478
Net loans and leases to total assets	77.3750%	997
Net loans and leases to deposits	88.0384%	1,595
Net loans and leases to core deposits	112.5229%	586
Total domestic deposits to total assets	87.8879%	1,973
Equity capital to assets	9.4735%	4,773
Core capital (leverage) ratio	9.4673%	4,375
Tier 1 risk-based capital ratio	11.5259%	5,780
Total risk-based capital ratio	12.7788%	5,736
Memoranda:
Average total assets	$358,007,330	1,834
Average earning assets	$329,005,670	1,829
Average equity	$34,797,000	2,005
Average total loans	$291,839,330	1,466
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5531%	1,630
Cost of funding earning assets	0.4924%	2,987
Net interest margin	4.0607%	1,572
Noninterest income to average assets	0.3780%	4,361
Noninterest expense to average assets	2.6897%	3,968
Loan and lease loss provision to assets	0.3268%	555
Net operating income to assets	0.7131%	3,617
Return on assets (ROA)	0.7131%	3,702
Pretax return on assets	1.0863%	2,972
Return on Equity (ROE)	7.2279%	3,337
Retained earnings to average equity (ytd only)	7.2279%	1,928
Net charge-offs to loans	0.0442%	2,766
Credit loss provision to net charge-offs	887.0968%	342
Earnings coverage of net charge-offs (x)	38.3548%	901
Efficiency ratio	64.7740%	4,733
Assets per employee ($millions)	5.6258%	1,591
Cash dividends to net income (ytd only)*	0.0000%	2,852
Condition Ratios (%)
Loss allowance to loans	1.8314%	1,952
Loan loss allowance to noncurrent loans	102.2878%	3,558
Noncurrent assets plus other real estate owned to assets	2.4756%	1,299
Noncurrent loans to loans	1.7904%	2,153
Net loans and leases to total assets	83.1397%	286
Net loans and leases to deposits	96.7624%	605
Net loans and leases to core deposits	133.3891%	160
Total domestic deposits to total assets	85.9215%	3,405
Equity capital to assets	9.6278%	4,318
Core capital (leverage) ratio	9.3004%	4,576
Tier 1 risk-based capital ratio	10.8942%	6,198
Total risk-based capital ratio	12.1522%	6,147
Memoranda:
Average total assets	$336,546,500	1,948
Average earning assets	$308,713,500	1,960
Average equity	$33,204,500	2,074
Average total loans	$280,398,500	1,528
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6595%	1,688
Cost of funding earning assets	0.5864%	2,781
Net interest margin	4.0731%	1,724
Noninterest income to average assets	0.1653%	6,104
Noninterest expense to average assets	2.8792%	3,435
Loan and lease loss provision to assets	0.2047%	1,813
Net operating income to assets	2.1349%	272
Return on assets (ROA)	2.0645%	307
Pretax return on assets	0.7484%	4,349
Return on Equity (ROE)	23.0376%	178
Retained earnings to average equity (ytd only)	23.0376%	61
Net charge-offs to loans	0.2993%	2,193
Credit loss provision to net charge-offs	84.0674%	2,926
Earnings coverage of net charge-offs (x)	4.2034%	3,639
Efficiency ratio	72.8544%	3,323
Assets per employee ($millions)	5.2305%	1,924
Cash dividends to net income (ytd only)*	0.0000%	4,285
Condition Ratios (%)
Loss allowance to loans	1.9465%	1,678
Loan loss allowance to noncurrent loans	92.9137%	3,801
Noncurrent assets plus other real estate owned to assets	2.7784%	1,185
Noncurrent loans to loans	2.0950%	1,892
Net loans and leases to total assets	80.2453%	573
Net loans and leases to deposits	92.6860%	989
Net loans and leases to core deposits	110.4833%	593
Total domestic deposits to total assets	86.5775%	2,952
Equity capital to assets	10.1227%	3,599
Core capital (leverage) ratio	9.1302%	4,810
Tier 1 risk-based capital ratio	11.6913%	5,807
Total risk-based capital ratio	12.9502%	5,735
Memoranda:
Average total assets	$317,068,000	2,030
Average earning assets	$290,930,400	2,035
Average equity	$28,414,400	2,346
Average total loans	$257,954,800	1,611
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6416%	1,767
Cost of funding earning assets	0.5902%	2,896
Net interest margin	4.0514%	1,783
Noninterest income to average assets	0.0837%	6,529
Noninterest expense to average assets	2.8771%	3,387
Loan and lease loss provision to assets	0.1945%	1,871
Net operating income to assets	0.7308%	3,696
Return on assets (ROA)	0.7308%	3,824
Pretax return on assets	0.7308%	4,577
Return on Equity (ROE)	8.4359%	2,906
Retained earnings to average equity (ytd only)	8.4359%	1,242
Net charge-offs to loans	0.4045%	1,586
Credit loss provision to net charge-offs	59.2021%	3,323
Earnings coverage of net charge-offs (x)	2.8160%	3,896
Efficiency ratio	74.7192%	2,949
Assets per employee ($millions)	5.3860%	1,749
Cash dividends to net income (ytd only)*	0.0000%	3,738
Condition Ratios (%)
Loss allowance to loans	1.8750%	2,073
Loan loss allowance to noncurrent loans	88.5643%	3,787
Noncurrent assets plus other real estate owned to assets	2.6574%	1,418
Noncurrent loans to loans	2.1171%	2,107
Net loans and leases to total assets	76.6843%	906
Net loans and leases to deposits	86.6080%	1,541
Net loans and leases to core deposits	103.1148%	924
Total domestic deposits to total assets	88.5418%	1,820
Equity capital to assets	8.2306%	5,978
Core capital (leverage) ratio	8.5294%	5,742
Tier 1 risk-based capital ratio	10.8794%	6,332
Total risk-based capital ratio	12.1392%	6,294
Memoranda:
Average total assets	$315,262,000	2,052
Average earning assets	$289,377,000	2,059
Average equity	$27,311,250	2,454
Average total loans	$256,094,750	1,620
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6834%	1,618
Cost of funding earning assets	0.5993%	2,949
Net interest margin	4.0840%	1,585
Noninterest income to average assets	0.0514%	6,669
Noninterest expense to average assets	2.8531%	3,495
Loan and lease loss provision to assets	0.1764%	2,151
Net operating income to assets	0.7746%	3,439
Return on assets (ROA)	0.7746%	3,586
Pretax return on assets	0.7746%	4,412
Return on Equity (ROE)	8.7805%	2,719
Retained earnings to average equity (ytd only)	8.7805%	1,190
Net charge-offs to loans	0.0079%	4,729
Credit loss provision to net charge-offs	2,710.0000%	125
Earnings coverage of net charge-offs (x)	146.1000%	340
Efficiency ratio	74.0246%	3,123
Assets per employee ($millions)	4.9448%	2,171
Cash dividends to net income (ytd only)*	0.0000%	3,522
Condition Ratios (%)
Loss allowance to loans	2.1285%	1,564
Loan loss allowance to noncurrent loans	78.6453%	4,080
Noncurrent assets plus other real estate owned to assets	3.4919%	1,106
Noncurrent loans to loans	2.7064%	1,685
Net loans and leases to total assets	81.9201%	363
Net loans and leases to deposits	93.2581%	860
Net loans and leases to core deposits	112.4889%	472
Total domestic deposits to total assets	87.8423%	2,360
Equity capital to assets	8.8058%	5,439
Core capital (leverage) ratio	8.7951%	5,296
Tier 1 risk-based capital ratio	10.8876%	6,382
Total risk-based capital ratio	12.1494%	6,350
Memoranda:
Average total assets	$307,242,330	2,106
Average earning assets	$282,318,670	2,113
Average equity	$27,105,670	2,478
Average total loans	$253,067,000	1,645
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6763%	1,604
Cost of funding earning assets	0.6311%	2,838
Net interest margin	4.0451%	1,628
Noninterest income to average assets	0.2871%	5,405
Noninterest expense to average assets	2.8476%	3,554
Loan and lease loss provision to assets	0.3212%	1,047
Net operating income to assets	0.8325%	2,995
Return on assets (ROA)	0.8325%	3,137
Pretax return on assets	0.8325%	4,032
Return on Equity (ROE)	9.4275%	2,303
Retained earnings to average equity (ytd only)	9.4275%	1,263
Net charge-offs to loans	0.0626%	3,194
Credit loss provision to net charge-offs	628.2051%	436
Earnings coverage of net charge-offs (x)	22.5641%	1,134
Efficiency ratio	70.2163%	3,934
Assets per employee ($millions)	4.8938%	2,360
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	2.2040%	1,576
Loan loss allowance to noncurrent loans	91.5542%	3,590
Noncurrent assets plus other real estate owned to assets	3.4300%	1,250
Noncurrent loans to loans	2.4073%	2,155
Net loans and leases to total assets	80.3763%	396
Net loans and leases to deposits	91.7254%	827
Net loans and leases to core deposits	110.2929%	491
Total domestic deposits to total assets	87.6271%	2,550
Equity capital to assets	8.9782%	5,510
Core capital (leverage) ratio	8.7341%	5,283
Tier 1 risk-based capital ratio	11.1086%	6,357
Total risk-based capital ratio	12.3716%	6,329
Memoranda:
Average total assets	$305,102,500	2,151
Average earning assets	$280,138,500	2,152
Average equity	$26,942,500	2,531
Average total loans	$249,226,000	1,669
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0683%	1,381
Cost of funding earning assets	0.9301%	1,760
Net interest margin	4.1382%	1,862
Noninterest income to average assets	0.0974%	6,521
Noninterest expense to average assets	2.9392%	3,505
Loan and lease loss provision to assets	0.2658%	2,517
Net operating income to assets	0.6525%	3,973
Return on assets (ROA)	0.6525%	4,243
Pretax return on assets	0.6525%	4,820
Return on Equity (ROE)	7.9848%	3,091
Retained earnings to average equity (ytd only)	7.9848%	1,129
Net charge-offs to loans	0.7654%	1,528
Credit loss provision to net charge-offs	42.7986%	4,874
Earnings coverage of net charge-offs (x)	1.4787%	4,706
Efficiency ratio	75.2125%	2,874
Assets per employee ($millions)	4.7936%	2,503
Cash dividends to net income (ytd only)*	0.0000%	4,298
Condition Ratios (%)
Loss allowance to loans	2.1234%	1,701
Loan loss allowance to noncurrent loans	77.8137%	3,984
Noncurrent assets plus other real estate owned to assets	3.7622%	1,178
Noncurrent loans to loans	2.7288%	1,941
Net loans and leases to total assets	79.4658%	520
Net loans and leases to deposits	90.4019%	1,041
Net loans and leases to core deposits	106.3080%	679
Total domestic deposits to total assets	87.9028%	2,292
Equity capital to assets	8.6847%	5,860
Core capital (leverage) ratio	8.4544%	5,688
Tier 1 risk-based capital ratio	10.8295%	6,413
Total risk-based capital ratio	12.0914%	6,383
Memoranda:
Average total assets	$314,172,400	2,043
Average earning assets	$285,459,200	2,072
Average equity	$25,673,800	2,599
Average total loans	$254,891,200	1,619
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1400%	1,330
Cost of funding earning assets	1.0024%	1,543
Net interest margin	4.1376%	1,943
Noninterest income to average assets	0.2700%	5,625
Noninterest expense to average assets	3.1132%	2,847
Loan and lease loss provision to assets	0.1430%	3,743
Net operating income to assets	0.7666%	3,620
Return on assets (ROA)	0.7666%	3,873
Pretax return on assets	0.7666%	4,607
Return on Equity (ROE)	9.5261%	2,576
Retained earnings to average equity (ytd only)	9.5261%	1,054
Net charge-offs to loans	-0.0437%	6,669
Credit loss provision to net charge-offs	-403.5714%	6,415
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.4552%	2,601
Assets per employee ($millions)	4.8364%	2,392
Cash dividends to net income (ytd only)*	0.0000%	3,713
Condition Ratios (%)
Loss allowance to loans	2.6917%	989
Loan loss allowance to noncurrent loans	73.8801%	4,069
Noncurrent assets plus other real estate owned to assets	5.1526%	854
Noncurrent loans to loans	3.6434%	1,478
Net loans and leases to total assets	79.7449%	526
Net loans and leases to deposits	90.5873%	1,084
Net loans and leases to core deposits	104.9718%	810
Total domestic deposits to total assets	88.0310%	2,029
Equity capital to assets	8.5681%	6,202
Core capital (leverage) ratio	8.2178%	6,120
Tier 1 risk-based capital ratio	10.5378%	6,654
Total risk-based capital ratio	11.8071%	6,631
Memoranda:
Average total assets	$316,017,750	2,057
Average earning assets	$286,633,750	2,088
Average equity	$25,431,250	2,644
Average total loans	$256,343,250	1,629
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1895%	1,284
Cost of funding earning assets	1.0554%	1,434
Net interest margin	4.1341%	1,956
Noninterest income to average assets	0.2942%	5,449
Noninterest expense to average assets	3.1209%	2,854
Loan and lease loss provision to assets	0.1169%	4,057
Net operating income to assets	0.8039%	3,382
Return on assets (ROA)	0.8039%	3,636
Pretax return on assets	0.8039%	4,462
Return on Equity (ROE)	10.2042%	2,276
Retained earnings to average equity (ytd only)	10.2042%	919
Net charge-offs to loans	-0.1182%	6,889
Credit loss provision to net charge-offs	-122.3684%	6,075
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.2986%	2,700
Assets per employee ($millions)	4.7768%	2,470
Cash dividends to net income (ytd only)*	0.0000%	3,523
Condition Ratios (%)
Loss allowance to loans	2.6786%	1,065
Loan loss allowance to noncurrent loans	69.8612%	4,203
Noncurrent assets plus other real estate owned to assets	5.3982%	838
Noncurrent loans to loans	3.8342%	1,462
Net loans and leases to total assets	80.1370%	492
Net loans and leases to deposits	90.8376%	1,065
Net loans and leases to core deposits	106.6821%	712
Total domestic deposits to total assets	88.2200%	2,010
Equity capital to assets	8.4716%	6,237
Core capital (leverage) ratio	8.0902%	6,174
Tier 1 risk-based capital ratio	10.2344%	6,770
Total risk-based capital ratio	11.5029%	6,746
Memoranda:
Average total assets	$318,179,670	2,036
Average earning assets	$288,428,330	2,070
Average equity	$25,068,000	2,662
Average total loans	$257,236,330	1,617
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0880%	1,612
Cost of funding earning assets	1.1156%	1,315
Net interest margin	3.9725%	2,619
Noninterest income to average assets	0.3785%	4,834
Noninterest expense to average assets	3.0751%	3,003
Loan and lease loss provision to assets	0.0407%	4,879
Net operating income to assets	0.8631%	3,087
Return on assets (ROA)	0.8631%	3,322
Pretax return on assets	0.8631%	4,179
Return on Equity (ROE)	11.3579%	1,884
Retained earnings to average equity (ytd only)	11.3579%	950
Net charge-offs to loans	-0.3554%	7,097
Credit loss provision to net charge-offs	-14.2857%	5,361
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.3557%	2,734
Assets per employee ($millions)	4.8592%	2,441
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	2.6132%	1,207
Loan loss allowance to noncurrent loans	52.5822%	4,916
Noncurrent assets plus other real estate owned to assets	6.5565%	683
Noncurrent loans to loans	4.9698%	1,136
Net loans and leases to total assets	77.4959%	635
Net loans and leases to deposits	87.1092%	1,272
Net loans and leases to core deposits	101.4304%	893
Total domestic deposits to total assets	88.9640%	1,715
Equity capital to assets	7.8517%	6,615
Core capital (leverage) ratio	7.5428%	6,608
Tier 1 risk-based capital ratio	9.7971%	6,919
Total risk-based capital ratio	11.0646%	6,916
Memoranda:
Average total assets	$324,412,500	2,002
Average earning assets	$294,023,000	2,023
Average equity	$24,652,500	2,696
Average total loans	$259,988,000	1,613
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2944%	1,720
Cost of funding earning assets	1.2709%	1,614
Net interest margin	4.0236%	2,772
Noninterest income to average assets	-0.4809%	7,259
Noninterest expense to average assets	3.1127%	3,154
Loan and lease loss provision to assets	1.7403%	384
Net operating income to assets	-2.7361%	7,146
Return on assets (ROA)	-2.6073%	7,135
Pretax return on assets	-1.5647%	6,914
Return on Equity (ROE)	-30.3107%	7,095
Retained earnings to average equity (ytd only)	-30.3107%	7,088
Net charge-offs to loans	2.3113%	539
Credit loss provision to net charge-offs	95.2186%	3,789
Earnings coverage of net charge-offs (x)	0.0256%	5,801
Efficiency ratio	97.3433%	758
Assets per employee ($millions)	4.5572%	2,819
Cash dividends to net income (ytd only)*	0.0000%	4,078
Condition Ratios (%)
Loss allowance to loans	2.4191%	1,430
Loan loss allowance to noncurrent loans	57.0703%	4,661
Noncurrent assets plus other real estate owned to assets	5.9811%	818
Noncurrent loans to loans	4.2387%	1,446
Net loans and leases to total assets	78.7422%	634
Net loans and leases to deposits	88.5614%	1,312
Net loans and leases to core deposits	101.7281%	1,050
Total domestic deposits to total assets	88.9126%	1,604
Equity capital to assets	7.3522%	6,868
Core capital (leverage) ratio	7.0288%	6,851
Tier 1 risk-based capital ratio	9.1647%	7,008
Total risk-based capital ratio	10.4304%	7,003
Memoranda:
Average total assets	$347,870,400	1,862
Average earning assets	$314,745,800	1,874
Average equity	$29,923,400	2,204
Average total loans	$275,080,600	1,539
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4054%	1,496
Cost of funding earning assets	1.3161%	1,614
Net interest margin	4.0893%	2,516
Noninterest income to average assets	-0.1115%	7,216
Noninterest expense to average assets	3.1684%	2,931
Loan and lease loss provision to assets	0.5347%	1,843
Net operating income to assets	-0.0479%	6,215
Return on assets (ROA)	0.0094%	6,239
Pretax return on assets	-0.0287%	6,261
Return on Equity (ROE)	0.1062%	6,239
Retained earnings to average equity (ytd only)	0.1062%	5,923
Net charge-offs to loans	1.4958%	972
Credit loss provision to net charge-offs	45.4254%	5,133
Earnings coverage of net charge-offs (x)	0.3538%	5,343
Efficiency ratio	87.3709%	1,400
Assets per employee ($millions)	4.6197%	2,726
Cash dividends to net income (ytd only)*	0.0000%	3,512
Condition Ratios (%)
Loss allowance to loans	1.8109%	2,906
Loan loss allowance to noncurrent loans	84.9127%	3,400
Noncurrent assets plus other real estate owned to assets	4.4976%	1,337
Noncurrent loans to loans	2.1327%	3,203
Net loans and leases to total assets	77.3555%	791
Net loans and leases to deposits	88.8336%	1,339
Net loans and leases to core deposits	102.4756%	1,074
Total domestic deposits to total assets	87.0790%	2,604
Equity capital to assets	9.2878%	5,401
Core capital (leverage) ratio	8.2312%	6,087
Tier 1 risk-based capital ratio	10.5551%	6,752
Total risk-based capital ratio	11.8069%	6,740
Memoranda:
Average total assets	$352,808,250	1,841
Average earning assets	$318,906,000	1,857
Average equity	$31,373,250	2,114
Average total loans	$277,657,500	1,544
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4151%	1,515
Cost of funding earning assets	1.3625%	1,589
Net interest margin	4.0526%	2,602
Noninterest income to average assets	-0.1375%	7,309
Noninterest expense to average assets	3.1988%	2,905
Loan and lease loss provision to assets	0.3520%	2,676
Net operating income to assets	-0.0134%	6,245
Return on assets (ROA)	0.1087%	6,076
Pretax return on assets	0.1189%	6,070
Return on Equity (ROE)	1.2403%	6,024
Retained earnings to average equity (ytd only)	1.2403%	5,361
Net charge-offs to loans	2.1740%	592
Credit loss provision to net charge-offs	20.5824%	5,126
Earnings coverage of net charge-offs (x)	0.1969%	5,161
Efficiency ratio	89.4509%	1,277
Assets per employee ($millions)	4.6694%	2,591
Cash dividends to net income (ytd only)*	0.0000%	3,290
Condition Ratios (%)
Loss allowance to loans	1.5289%	3,989
Loan loss allowance to noncurrent loans	54.5639%	4,750
Noncurrent assets plus other real estate owned to assets	4.8745%	1,264
Noncurrent loans to loans	2.8020%	2,597
Net loans and leases to total assets	77.2071%	884
Net loans and leases to deposits	88.1440%	1,476
Net loans and leases to core deposits	106.1883%	926
Total domestic deposits to total assets	87.5920%	2,413
Equity capital to assets	8.8691%	5,743
Core capital (leverage) ratio	8.0252%	6,269
Tier 1 risk-based capital ratio	10.2936%	6,875
Total risk-based capital ratio	11.5473%	6,864
Memoranda:
Average total assets	$353,379,000	1,856
Average earning assets	$320,288,670	1,862
Average equity	$30,961,330	2,127
Average total loans	$278,009,670	1,557
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4584%	1,408
Cost of funding earning assets	1.3936%	1,641
Net interest margin	4.0648%	2,409
Noninterest income to average assets	0.4819%	4,034
Noninterest expense to average assets	3.0705%	3,385
Loan and lease loss provision to assets	0.0856%	4,932
Net operating income to assets	0.6873%	3,570
Return on assets (ROA)	0.6943%	3,600
Pretax return on assets	1.0163%	3,075
Return on Equity (ROE)	7.9743%	2,926
Retained earnings to average equity (ytd only)	7.9743%	1,744
Net charge-offs to loans	4.2903%	199
Credit loss provision to net charge-offs	2.5329%	4,455
Earnings coverage of net charge-offs (x)	0.3229%	4,372
Efficiency ratio	72.8944%	3,704
Assets per employee ($millions)	4.6478%	2,661
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	1.3670%	4,818
Loan loss allowance to noncurrent loans	34.6506%	5,983
Noncurrent assets plus other real estate owned to assets	5.6092%	1,060
Noncurrent loans to loans	3.9452%	1,854
Net loans and leases to total assets	77.0742%	864
Net loans and leases to deposits	87.8462%	1,483
Net loans and leases to core deposits	103.8618%	1,070
Total domestic deposits to total assets	87.7377%	2,529
Equity capital to assets	8.7061%	5,650
Core capital (leverage) ratio	8.0642%	6,173
Tier 1 risk-based capital ratio	10.1431%	6,952
Total risk-based capital ratio	11.3917%	6,953
Memoranda:
Average total assets	$350,298,000	1,885
Average earning assets	$317,165,000	1,887
Average equity	$30,498,000	2,148
Average total loans	$276,064,000	1,585
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5707%	2,006
Cost of funding earning assets	1.7149%	1,531
Net interest margin	3.8559%	3,709
Noninterest income to average assets	0.3217%	5,481
Noninterest expense to average assets	3.2816%	2,794
Loan and lease loss provision to assets	1.1472%	1,386
Net operating income to assets	-0.3857%	6,297
Return on assets (ROA)	-0.2254%	6,193
Pretax return on assets	-0.3661%	6,218
Return on Equity (ROE)	-2.4268%	6,221
Retained earnings to average equity (ytd only)	-2.4268%	6,034
Net charge-offs to loans	0.8154%	2,599
Credit loss provision to net charge-offs	182.7160%	1,807
Earnings coverage of net charge-offs (x)	0.8452%	5,286
Efficiency ratio	85.0160%	1,796
Assets per employee ($millions)	4.3938%	3,043
Cash dividends to net income (ytd only)*	0.0000%	3,950
Condition Ratios (%)
Loss allowance to loans	2.4623%	1,452
Loan loss allowance to noncurrent loans	43.0533%	5,443
Noncurrent assets plus other real estate owned to assets	6.9710%	789
Noncurrent loans to loans	5.7191%	1,117
Net loans and leases to total assets	77.5460%	1,010
Net loans and leases to deposits	88.5638%	1,711
Net loans and leases to core deposits	97.9674%	1,803
Total domestic deposits to total assets	87.5595%	2,511
Equity capital to assets	8.7065%	5,575
Core capital (leverage) ratio	7.7773%	6,464
Tier 1 risk-based capital ratio	9.7689%	7,062
Total risk-based capital ratio	11.0306%	7,057
Memoranda:
Average total assets	$335,415,400	1,940
Average earning assets	$303,640,600	1,958
Average equity	$31,152,000	2,104
Average total loans	$258,271,600	1,714
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6254%	1,966
Cost of funding earning assets	1.7156%	1,792
Net interest margin	3.9098%	3,489
Noninterest income to average assets	0.3062%	5,709
Noninterest expense to average assets	3.2478%	2,748
Loan and lease loss provision to assets	0.4568%	3,191
Net operating income to assets	0.0820%	5,815
Return on assets (ROA)	0.2938%	5,362
Pretax return on assets	0.4748%	5,006
Return on Equity (ROE)	3.1130%	5,178
Retained earnings to average equity (ytd only)	3.1130%	4,258
Net charge-offs to loans	1.1013%	1,845
Credit loss provision to net charge-offs	54.3251%	5,819
Earnings coverage of net charge-offs (x)	0.7144%	5,342
Efficiency ratio	83.3316%	1,911
Assets per employee ($millions)	4.3416%	3,184
Cash dividends to net income (ytd only)*	0.0000%	3,526
Condition Ratios (%)
Loss allowance to loans	1.5520%	3,728
Loan loss allowance to noncurrent loans	39.3749%	5,685
Noncurrent assets plus other real estate owned to assets	5.5051%	1,121
Noncurrent loans to loans	3.9416%	1,914
Net loans and leases to total assets	72.2577%	2,198
Net loans and leases to deposits	82.7911%	2,949
Net loans and leases to core deposits	94.7578%	2,413
Total domestic deposits to total assets	87.2771%	2,384
Equity capital to assets	9.0442%	5,518
Core capital (leverage) ratio	8.9714%	4,738
Tier 1 risk-based capital ratio	11.4875%	5,950
Total risk-based capital ratio	12.7405%	5,932
Memoranda:
Average total assets	$333,589,500	1,979
Average earning assets	$302,242,000	1,997
Average equity	$31,480,250	2,099
Average total loans	$254,721,000	1,758
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7081%	1,730
Cost of funding earning assets	1.7091%	2,074
Net interest margin	3.9990%	3,018
Noninterest income to average assets	0.2467%	6,148
Noninterest expense to average assets	3.2916%	2,590
Loan and lease loss provision to assets	0.2595%	4,340
Net operating income to assets	0.1970%	5,570
Return on assets (ROA)	0.3248%	5,253
Pretax return on assets	0.5239%	4,832
Return on Equity (ROE)	3.3916%	5,062
Retained earnings to average equity (ytd only)	3.3916%	3,950
Net charge-offs to loans	0.5623%	2,849
Credit loss provision to net charge-offs	59.6073%	5,211
Earnings coverage of net charge-offs (x)	1.3408%	4,484
Efficiency ratio	83.8664%	1,934
Assets per employee ($millions)	4.1118%	3,561
Cash dividends to net income (ytd only)*	0.0000%	3,319
Condition Ratios (%)
Loss allowance to loans	1.8208%	2,665
Loan loss allowance to noncurrent loans	65.8643%	4,040
Noncurrent assets plus other real estate owned to assets	4.5200%	1,462
Noncurrent loans to loans	2.7645%	2,891
Net loans and leases to total assets	75.7504%	1,535
Net loans and leases to deposits	87.5547%	2,250
Net loans and leases to core deposits	105.7620%	1,471
Total domestic deposits to total assets	86.5178%	2,808
Equity capital to assets	9.5669%	4,606
Core capital (leverage) ratio	9.2375%	4,235
Tier 1 risk-based capital ratio	11.4021%	5,863
Total risk-based capital ratio	12.6582%	5,836
Memoranda:
Average total assets	$327,562,000	2,028
Average earning assets	$297,225,000	2,044
Average equity	$31,371,670	2,104
Average total loans	$253,589,330	1,789
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6403%	1,989
Cost of funding earning assets	1.6983%	2,398
Net interest margin	3.9420%	3,143
Noninterest income to average assets	0.3177%	5,603
Noninterest expense to average assets	3.2966%	2,541
Loan and lease loss provision to assets	0.1601%	4,930
Net operating income to assets	0.2832%	5,358
Return on assets (ROA)	0.2832%	5,491
Pretax return on assets	0.4569%	5,103
Return on Equity (ROE)	2.9557%	5,350
Retained earnings to average equity (ytd only)	2.9557%	4,353
Net charge-offs to loans	0.2191%	3,615
Credit loss provision to net charge-offs	94.2029%	3,560
Earnings coverage of net charge-offs (x)	3.6304%	2,845
Efficiency ratio	83.1655%	2,122
Assets per employee ($millions)	4.0300%	3,803
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	1.9845%	2,229
Loan loss allowance to noncurrent loans	36.9992%	5,901
Noncurrent assets plus other real estate owned to assets	5.0868%	1,252
Noncurrent loans to loans	5.3635%	1,322
Net loans and leases to total assets	74.1179%	1,946
Net loans and leases to deposits	85.6140%	2,666
Net loans and leases to core deposits	110.3481%	1,246
Total domestic deposits to total assets	86.5722%	2,860
Equity capital to assets	9.4936%	4,542
Core capital (leverage) ratio	9.2097%	4,206
Tier 1 risk-based capital ratio	11.6322%	5,548
Total risk-based capital ratio	12.8902%	5,501
Memoranda:
Average total assets	$324,816,500	2,091
Average earning assets	$296,298,500	2,105
Average equity	$31,126,000	2,134
Average total loans	$251,900,000	1,851
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.3652%	899
Cost of funding earning assets	2.3574%	1,435
Net interest margin	4.0078%	2,827
Noninterest income to average assets	0.2378%	6,390
Noninterest expense to average assets	3.2659%	3,135
Loan and lease loss provision to assets	0.3768%	4,527
Net operating income to assets	0.0878%	5,244
Return on assets (ROA)	0.1752%	5,049
Pretax return on assets	0.2824%	4,809
Return on Equity (ROE)	1.9142%	4,942
Retained earnings to average equity (ytd only)	1.9142%	3,756
Net charge-offs to loans	0.1391%	5,829
Credit loss provision to net charge-offs	346.5565%	936
Earnings coverage of net charge-offs (x)	4.8072%	2,810
Efficiency ratio	85.0897%	2,213
Assets per employee ($millions)	3.8923%	4,039
Cash dividends to net income (ytd only)*	0.0000%	4,015
Condition Ratios (%)
Loss allowance to loans	1.9562%	2,124
Loan loss allowance to noncurrent loans	40.1050%	5,736
Noncurrent assets plus other real estate owned to assets	4.9225%	1,258
Noncurrent loans to loans	4.8778%	1,399
Net loans and leases to total assets	77.9966%	1,384
Net loans and leases to deposits	90.4155%	2,158
Net loans and leases to core deposits	137.2884%	900
Total domestic deposits to total assets	86.2646%	2,882
Equity capital to assets	9.6748%	4,178
Core capital (leverage) ratio	9.2630%	4,033
Tier 1 risk-based capital ratio	11.0846%	5,842
Total risk-based capital ratio	12.3453%	5,786
Memoranda:
Average total assets	$333,875,800	2,033
Average earning assets	$295,798,200	2,101
Average equity	$30,560,600	2,194
Average total loans	$261,041,200	1,826
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.3584%	1,009
Cost of funding earning assets	2.5237%	1,230
Net interest margin	3.8347%	3,503
Noninterest income to average assets	0.2686%	6,313
Noninterest expense to average assets	3.2531%	3,113
Loan and lease loss provision to assets	0.2603%	4,871
Net operating income to assets	0.0874%	5,508
Return on assets (ROA)	0.1841%	5,279
Pretax return on assets	0.2722%	5,128
Return on Equity (ROE)	2.0384%	5,144
Retained earnings to average equity (ytd only)	2.0384%	4,180
Net charge-offs to loans	0.1562%	5,146
Credit loss provision to net charge-offs	213.9610%	2,054
Earnings coverage of net charge-offs (x)	3.2078%	3,634
Efficiency ratio	88.1396%	1,863
Assets per employee ($millions)	3.9044%	3,929
Cash dividends to net income (ytd only)*	0.0000%	3,688
Condition Ratios (%)
Loss allowance to loans	1.7344%	2,502
Loan loss allowance to noncurrent loans	64.3814%	4,109
Noncurrent assets plus other real estate owned to assets	3.2250%	2,103
Noncurrent loans to loans	2.6939%	2,813
Net loans and leases to total assets	78.2723%	1,521
Net loans and leases to deposits	90.8862%	2,416
Net loans and leases to core deposits	137.5014%	1,033
Total domestic deposits to total assets	86.1212%	2,636
Equity capital to assets	9.6733%	4,528
Core capital (leverage) ratio	8.7723%	5,016
Tier 1 risk-based capital ratio	10.7019%	6,247
Total risk-based capital ratio	11.9569%	6,214
Memoranda:
Average total assets	$337,552,500	2,031
Average earning assets	$297,070,250	2,110
Average equity	$30,481,000	2,220
Average total loans	$262,824,500	1,833
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.4082%	990
Cost of funding earning assets	2.6645%	1,126
Net interest margin	3.7436%	3,779
Noninterest income to average assets	0.2604%	6,414
Noninterest expense to average assets	3.1635%	3,460
Loan and lease loss provision to assets	0.2278%	4,758
Net operating income to assets	0.0806%	5,620
Return on assets (ROA)	0.2190%	5,276
Pretax return on assets	0.3303%	5,127
Return on Equity (ROE)	2.4804%	5,115
Retained earnings to average equity (ytd only)	2.4804%	3,958
Net charge-offs to loans	0.1198%	4,962
Credit loss provision to net charge-offs	245.9119%	1,889
Earnings coverage of net charge-offs (x)	3.7610%	3,317
Efficiency ratio	88.9202%	1,912
Assets per employee ($millions)	4.1986%	3,301
Cash dividends to net income (ytd only)*	0.0000%	3,532
Condition Ratios (%)
Loss allowance to loans	1.6555%	2,504
Loan loss allowance to noncurrent loans	109.3774%	2,684
Noncurrent assets plus other real estate owned to assets	2.2100%	2,931
Noncurrent loans to loans	1.5136%	4,223
Net loans and leases to total assets	76.1191%	2,155
Net loans and leases to deposits	87.6671%	3,228
Net loans and leases to core deposits	142.1770%	928
Total domestic deposits to total assets	86.8274%	2,344
Equity capital to assets	9.0882%	5,181
Core capital (leverage) ratio	8.1080%	6,152
Tier 1 risk-based capital ratio	10.2542%	6,647
Total risk-based capital ratio	11.4902%	6,591
Memoranda:
Average total assets	$343,350,670	2,014
Average earning assets	$298,213,000	2,127
Average equity	$30,318,000	2,244
Average total loans	$265,426,670	1,857
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.3563%	1,167
Cost of funding earning assets	2.7288%	1,183
Net interest margin	3.6275%	4,201
Noninterest income to average assets	0.2201%	6,713
Noninterest expense to average assets	3.0437%	3,578
Loan and lease loss provision to assets	-0.0023%	8,166
Net operating income to assets	0.2290%	5,563
Return on assets (ROA)	0.2939%	5,492
Pretax return on assets	0.4575%	5,214
Return on Equity (ROE)	3.3759%	5,221
Retained earnings to average equity (ytd only)	3.3759%	4,006
Net charge-offs to loans	0.2551%	3,138
Credit loss provision to net charge-offs	-1.1696%	6,130
Earnings coverage of net charge-offs (x)	1.7953%	3,833
Efficiency ratio	88.4668%	1,852
Assets per employee ($millions)	4.4299%	2,830
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	1.4443%	3,261
Loan loss allowance to noncurrent loans	285.3353%	1,179
Noncurrent assets plus other real estate owned to assets	1.3542%	3,955
Noncurrent loans to loans	0.5062%	6,161
Net loans and leases to total assets	74.5550%	2,610
Net loans and leases to deposits	85.1049%	3,796
Net loans and leases to core deposits	146.2671%	845
Total domestic deposits to total assets	87.6037%	1,921
Equity capital to assets	8.5680%	5,962
Core capital (leverage) ratio	8.1936%	6,119
Tier 1 risk-based capital ratio	9.7018%	7,253
Total risk-based capital ratio	10.9529%	7,163
Memoranda:
Average total assets	$347,082,500	2,001
Average earning assets	$304,011,000	2,101
Average equity	$30,214,000	2,253
Average total loans	$268,151,000	1,854
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.7357%	1,915
Cost of funding earning assets	3.2785%	981
Net interest margin	3.4572%	5,447
Noninterest income to average assets	0.1209%	7,516
Noninterest expense to average assets	4.7774%	724
Loan and lease loss provision to assets	0.6575%	2,212
Net operating income to assets	-1.8218%	7,564
Return on assets (ROA)	-1.8218%	7,518
Pretax return on assets	-2.2582%	7,522
Return on Equity (ROE)	-17.5407%	7,690
Retained earnings to average equity (ytd only)	-17.5407%	7,597
Net charge-offs to loans	0.1285%	4,949
Credit loss provision to net charge-offs	691.0891%	610
Earnings coverage of net charge-offs (x)	-16.8251%	6,932
Efficiency ratio	113.9172%	633
Assets per employee ($millions)	4.0450%	3,425
Cash dividends to net income (ytd only)*	0.0000%	4,825
Condition Ratios (%)
Loss allowance to loans	1.5081%	2,637
Loan loss allowance to noncurrent loans	447.4558%	945
Noncurrent assets plus other real estate owned to assets	1.2644%	3,696
Noncurrent loans to loans	0.3370%	6,366
Net loans and leases to total assets	77.7483%	2,206
Net loans and leases to deposits	89.2461%	3,590
Net loans and leases to core deposits	149.6008%	873
Total domestic deposits to total assets	87.1168%	1,881
Equity capital to assets	8.8482%	5,568
Core capital (leverage) ratio	8.3262%	5,902
Tier 1 risk-based capital ratio	9.6353%	7,165
Total risk-based capital ratio	10.8870%	7,053
Memoranda:
Average total assets	$318,479,600	2,100
Average earning assets	$281,501,800	2,166
Average equity	$33,077,400	2,046
Average total loans	$235,807,600	2,004