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Oak View National Bank, Performance and Condition Ratios

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2025-03-31		Rank
Percentage of unprofitable institutions	0.0000%	303
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6211%	1,832
Cost of funding earning assets	2.6456%	661
Net interest margin	2.9755%	3,445
Noninterest income to average assets	0.2200%	3,425
Noninterest expense to average assets	1.8477%	3,843
Loan and lease loss provision to assets	0.0500%	1,971
Net operating income to assets	0.9079%	2,552
Return on assets (ROA)	0.9079%	2,564
Pretax return on assets	1.1491%	2,368
Return on Equity (ROE)	12.4100%	1,645
Retained earnings to average equity (ytd only)	2.0563%	3,306
Net charge-offs to loans	0.0160%	1,692
Credit loss provision to net charge-offs	569.2308%	502
Earnings coverage of net charge-offs (x)	164.0000%	496
Efficiency ratio	60.7005%	2,871
Assets per employee ($millions)	11.6085%	499
Cash dividends to net income (ytd only)*	83.4363%	640
Condition Ratios (%)
Loss allowance to loans	0.9355%	3,497
Loan loss allowance to noncurrent loans	0.0000%	3,773
Noncurrent assets plus other real estate owned to assets	0.0000%	3,816
Noncurrent loans to loans	0.0000%	3,787
Net loans and leases to total assets	44.3800%	3,822
Net loans and leases to deposits	51.9257%	3,802
Net loans and leases to core deposits	68.0481%	3,389
Total domestic deposits to total assets	85.4700%	2,485
Equity capital to assets	7.1643%	3,978
Core capital (leverage) ratio	7.6894%	4,348
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.5403%	1,145
Memoranda:
Average total assets	$712,888,000	1,345
Average earning assets	$676,590,500	1,330
Average equity	$52,132,500	1,717
Average total loans	$324,048,500	1,787
2024-12-31		Rank
Percentage of unprofitable institutions	0.0000%	319
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9232%	1,396
Cost of funding earning assets	2.8609%	627
Net interest margin	3.0623%	3,038
Noninterest income to average assets	0.2500%	3,380
Noninterest expense to average assets	1.8803%	3,816
Loan and lease loss provision to assets	0.0300%	2,546
Net operating income to assets	0.9872%	2,097
Return on assets (ROA)	1.0476%	1,906
Pretax return on assets	1.3118%	1,722
Return on Equity (ROE)	13.8700%	1,154
Retained earnings to average equity (ytd only)	11.6107%	349
Net charge-offs to loans	0.0045%	2,790
Credit loss provision to net charge-offs	1,607.1429%	282
Earnings coverage of net charge-offs (x)	583.4286%	225
Efficiency ratio	59.7517%	3,192
Assets per employee ($millions)	11.5740%	481
Cash dividends to net income (ytd only)*	16.2818%	3,059
Condition Ratios (%)
Loss allowance to loans	0.9374%	3,511
Loan loss allowance to noncurrent loans	17,670.5882%	71
Noncurrent assets plus other real estate owned to assets	0.0024%	3,779
Noncurrent loans to loans	0.0053%	3,734
Net loans and leases to total assets	45.7100%	3,823
Net loans and leases to deposits	53.8967%	3,803
Net loans and leases to core deposits	71.1287%	3,301
Total domestic deposits to total assets	84.8200%	2,587
Equity capital to assets	7.4693%	3,779
Core capital (leverage) ratio	7.8689%	4,330
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.5573%	1,142
Memoranda:
Average total assets	$644,910,800	1,434
Average earning assets	$610,610,800	1,407
Average equity	$48,713,600	1,745
Average total loans	$313,572,400	1,810
2024-09-30		Rank
Percentage of unprofitable institutions	0.0000%	305
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9239%	1,364
Cost of funding earning assets	2.8352%	665
Net interest margin	3.0887%	2,928
Noninterest income to average assets	0.2500%	3,362
Noninterest expense to average assets	1.8623%	3,823
Loan and lease loss provision to assets	0.0400%	2,180
Net operating income to assets	0.9997%	2,062
Return on assets (ROA)	1.0769%	1,833
Pretax return on assets	1.3632%	1,608
Return on Equity (ROE)	14.2100%	1,101
Retained earnings to average equity (ytd only)	11.1534%	625
Net charge-offs to loans	0.0021%	2,694
Credit loss provision to net charge-offs	4,500.0000%	109
Earnings coverage of net charge-offs (x)	1,239.6000%	91
Efficiency ratio	58.7707%	3,279
Assets per employee ($millions)	11.0862%	549
Cash dividends to net income (ytd only)*	21.5306%	2,485
Condition Ratios (%)
Loss allowance to loans	0.9348%	3,550
Loan loss allowance to noncurrent loans	17,723.5294%	78
Noncurrent assets plus other real estate owned to assets	0.0025%	3,811
Noncurrent loans to loans	0.0053%	3,767
Net loans and leases to total assets	47.2200%	3,768
Net loans and leases to deposits	56.0470%	3,743
Net loans and leases to core deposits	74.9083%	3,131
Total domestic deposits to total assets	84.2400%	2,532
Equity capital to assets	7.5270%	3,953
Core capital (leverage) ratio	8.0170%	4,317
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.3702%	1,214
Memoranda:
Average total assets	$632,529,000	1,458
Average earning assets	$598,735,000	1,427
Average equity	$47,924,500	1,755
Average total loans	$311,849,250	1,810
2024-06-30		Rank
Percentage of unprofitable institutions	0.0000%	306
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9180%	1,276
Cost of funding earning assets	2.8139%	645
Net interest margin	3.1042%	2,837
Noninterest income to average assets	0.2400%	3,419
Noninterest expense to average assets	1.8383%	3,877
Loan and lease loss provision to assets	0.0400%	2,101
Net operating income to assets	1.0190%	1,937
Return on assets (ROA)	1.1279%	1,655
Pretax return on assets	1.4276%	1,424
Return on Equity (ROE)	14.8500%	1,002
Retained earnings to average equity (ytd only)	10.1636%	842
Net charge-offs to loans	0.0039%	2,331
Credit loss provision to net charge-offs	2,583.3333%	197
Earnings coverage of net charge-offs (x)	685.0000%	169
Efficiency ratio	58.0184%	3,387
Assets per employee ($millions)	10.8610%	563
Cash dividends to net income (ytd only)*	31.5638%	2,156
Condition Ratios (%)
Loss allowance to loans	0.9294%	3,586
Loan loss allowance to noncurrent loans	17,300.0000%	77
Noncurrent assets plus other real estate owned to assets	0.0027%	3,806
Noncurrent loans to loans	0.0054%	3,749
Net loans and leases to total assets	49.7700%	3,651
Net loans and leases to deposits	59.3775%	3,602
Net loans and leases to core deposits	76.6524%	3,000
Total domestic deposits to total assets	83.8100%	2,663
Equity capital to assets	7.6835%	3,631
Core capital (leverage) ratio	8.1829%	4,267
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.2090%	1,219
Memoranda:
Average total assets	$617,952,000	1,486
Average earning assets	$583,605,333	1,463
Average equity	$46,932,000	1,764
Average total loans	$308,362,000	1,820
2024-03-31		Rank
Percentage of unprofitable institutions	0.0000%	11
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7700%	1,360
Cost of funding earning assets	2.7849%	620
Net interest margin	2.9850%	3,021
Noninterest income to average assets	0.2800%	3,064
Noninterest expense to average assets	1.8759%	3,827
Loan and lease loss provision to assets	0.0400%	1,880
Net operating income to assets	0.9238%	2,172
Return on assets (ROA)	0.9713%	2,023
Pretax return on assets	1.2295%	1,818
Return on Equity (ROE)	12.8700%	1,370
Retained earnings to average equity (ytd only)	3.3422%	2,887
Net charge-offs to loans	0.0079%	1,804
Credit loss provision to net charge-offs	916.6667%	362
Earnings coverage of net charge-offs (x)	309.0000%	295
Efficiency ratio	60.7536%	3,179
Assets per employee ($millions)	10.5771%	607
Cash dividends to net income (ytd only)*	74.0242%	828
Condition Ratios (%)
Loss allowance to loans	0.9314%	3,594
Loan loss allowance to noncurrent loans	0.0000%	3,825
Noncurrent assets plus other real estate owned to assets	0.0000%	3,894
Noncurrent loans to loans	0.0000%	3,844
Net loans and leases to total assets	48.4400%	3,685
Net loans and leases to deposits	60.6220%	3,479
Net loans and leases to core deposits	74.9422%	3,053
Total domestic deposits to total assets	79.9100%	3,533
Equity capital to assets	7.4757%	3,691
Core capital (leverage) ratio	8.0654%	4,318
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.7512%	1,343
Memoranda:
Average total assets	$611,960,000	1,499
Average earning assets	$575,671,500	1,484
Average equity	$46,197,500	1,770
Average total loans	$304,326,000	1,832
2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4632%	1,216
Cost of funding earning assets	2.2962%	550
Net interest margin	3.1670%	2,950
Noninterest income to average assets	0.2800%	3,252
Noninterest expense to average assets	2.0199%	3,584
Loan and lease loss provision to assets	0.1000%	1,286
Net operating income to assets	0.9023%	2,540
Return on assets (ROA)	0.8668%	2,622
Pretax return on assets	1.0823%	2,461
Return on Equity (ROE)	11.5900%	2,066
Retained earnings to average equity (ytd only)	11.5879%	686
Net charge-offs to loans	0.0000%	2,917
Credit loss provision to net charge-offs	0.0000%	2,397
Earnings coverage of net charge-offs (x)	0.0000%	2,831
Efficiency ratio	62.1525%	2,819
Assets per employee ($millions)	9.9979%	705
Cash dividends to net income (ytd only)*	0.0000%	3,404
Condition Ratios (%)
Loss allowance to loans	0.9202%	3,647
Loan loss allowance to noncurrent loans	0.0000%	3,805
Noncurrent assets plus other real estate owned to assets	0.0000%	3,871
Noncurrent loans to loans	0.0000%	3,821
Net loans and leases to total assets	50.1300%	3,586
Net loans and leases to deposits	63.3853%	3,323
Net loans and leases to core deposits	76.3881%	2,949
Total domestic deposits to total assets	79.0900%	3,601
Equity capital to assets	7.6254%	3,645
Core capital (leverage) ratio	8.2164%	4,252
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.1604%	1,237
Memoranda:
Average total assets	$556,668,200	1,592
Average earning assets	$522,605,800	1,567
Average equity	$41,638,400	1,826
Average total loans	$289,372,200	1,831
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3283%	1,246
Cost of funding earning assets	2.1343%	561
Net interest margin	3.1941%	2,930
Noninterest income to average assets	0.2900%	3,187
Noninterest expense to average assets	2.0258%	3,529
Loan and lease loss provision to assets	0.0800%	1,428
Net operating income to assets	0.9298%	2,580
Return on assets (ROA)	0.9008%	2,662
Pretax return on assets	1.1397%	2,460
Return on Equity (ROE)	12.1100%	2,090
Retained earnings to average equity (ytd only)	12.1077%	954
Net charge-offs to loans	0.0000%	2,666
Credit loss provision to net charge-offs	0.0000%	2,098
Earnings coverage of net charge-offs (x)	0.0000%	2,572
Efficiency ratio	61.7205%	2,755
Assets per employee ($millions)	10.3974%	595
Cash dividends to net income (ytd only)*	0.0000%	3,002
Condition Ratios (%)
Loss allowance to loans	0.8800%	3,797
Loan loss allowance to noncurrent loans	0.0000%	3,833
Noncurrent assets plus other real estate owned to assets	0.0000%	3,901
Noncurrent loans to loans	0.0000%	3,847
Net loans and leases to total assets	49.7400%	3,633
Net loans and leases to deposits	62.6797%	3,359
Net loans and leases to core deposits	75.5255%	2,896
Total domestic deposits to total assets	79.3500%	3,629
Equity capital to assets	7.3004%	3,467
Core capital (leverage) ratio	8.1895%	4,314
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.8808%	1,354
Memoranda:
Average total assets	$545,866,750	1,626
Average earning assets	$511,765,750	1,594
Average equity	$40,612,250	1,846
Average total loans	$285,835,250	1,849
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1021%	1,369
Cost of funding earning assets	1.9081%	595
Net interest margin	3.1940%	3,007
Noninterest income to average assets	0.3000%	3,097
Noninterest expense to average assets	2.1001%	3,346
Loan and lease loss provision to assets	0.0900%	1,256
Net operating income to assets	0.8772%	2,833
Return on assets (ROA)	0.8754%	2,829
Pretax return on assets	1.1074%	2,625
Return on Equity (ROE)	11.6800%	2,253
Retained earnings to average equity (ytd only)	11.6846%	1,046
Net charge-offs to loans	0.0000%	2,455
Credit loss provision to net charge-offs	0.0000%	1,862
Earnings coverage of net charge-offs (x)	0.0000%	2,403
Efficiency ratio	63.5762%	2,533
Assets per employee ($millions)	9.7465%	721
Cash dividends to net income (ytd only)*	0.0000%	2,909
Condition Ratios (%)
Loss allowance to loans	0.8686%	3,860
Loan loss allowance to noncurrent loans	0.0000%	3,834
Noncurrent assets plus other real estate owned to assets	0.0000%	3,917
Noncurrent loans to loans	0.0000%	3,848
Net loans and leases to total assets	52.1600%	3,397
Net loans and leases to deposits	62.3023%	3,286
Net loans and leases to core deposits	74.0880%	2,875
Total domestic deposits to total assets	83.7200%	2,887
Equity capital to assets	7.6418%	3,445
Core capital (leverage) ratio	8.4184%	4,183
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.4958%	1,218
Memoranda:
Average total assets	$530,272,333	1,666
Average earning assets	$498,307,667	1,640
Average equity	$39,727,667	1,889
Average total loans	$281,983,667	1,853
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9558%	1,312
Cost of funding earning assets	1.7197%	548
Net interest margin	3.2361%	3,028
Noninterest income to average assets	0.2600%	3,365
Noninterest expense to average assets	2.1312%	3,298
Loan and lease loss provision to assets	0.0700%	1,437
Net operating income to assets	0.8719%	2,950
Return on assets (ROA)	0.8871%	2,848
Pretax return on assets	1.1236%	2,648
Return on Equity (ROE)	11.9700%	2,224
Retained earnings to average equity (ytd only)	11.9694%	1,277
Net charge-offs to loans	0.0000%	2,062
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	64.5297%	2,383
Assets per employee ($millions)	9.2652%	851
Cash dividends to net income (ytd only)*	0.0000%	2,306
Condition Ratios (%)
Loss allowance to loans	0.8534%	3,976
Loan loss allowance to noncurrent loans	13,277.7778%	137
Noncurrent assets plus other real estate owned to assets	0.0033%	3,876
Noncurrent loans to loans	0.0064%	3,793
Net loans and leases to total assets	51.6700%	3,367
Net loans and leases to deposits	60.7670%	3,290
Net loans and leases to core deposits	71.6044%	2,843
Total domestic deposits to total assets	85.0300%	2,854
Equity capital to assets	7.6674%	3,465
Core capital (leverage) ratio	8.6521%	4,033
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.4833%	1,799
Memoranda:
Average total assets	$517,633,500	1,709
Average earning assets	$486,134,500	1,691
Average equity	$38,364,500	1,947
Average total loans	$276,823,500	1,896
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8282%	2,198
Cost of funding earning assets	0.6024%	894
Net interest margin	3.2258%	2,787
Noninterest income to average assets	0.3600%	2,944
Noninterest expense to average assets	2.1907%	3,055
Loan and lease loss provision to assets	0.0500%	1,921
Net operating income to assets	0.9142%	2,899
Return on assets (ROA)	0.8614%	3,040
Pretax return on assets	1.0729%	2,853
Return on Equity (ROE)	10.4100%	2,676
Retained earnings to average equity (ytd only)	9.9796%	1,160
Net charge-offs to loans	0.0023%	2,438
Credit loss provision to net charge-offs	3,150.0000%	184
Earnings coverage of net charge-offs (x)	816.8333%	226
Efficiency ratio	64.9051%	2,374
Assets per employee ($millions)	9.2201%	851
Cash dividends to net income (ytd only)*	4.1526%	3,393
Condition Ratios (%)
Loss allowance to loans	0.8436%	3,935
Loan loss allowance to noncurrent loans	12,822.2222%	138
Noncurrent assets plus other real estate owned to assets	0.0036%	3,903
Noncurrent loans to loans	0.0066%	3,818
Net loans and leases to total assets	54.4900%	3,150
Net loans and leases to deposits	63.4287%	3,090
Net loans and leases to core deposits	71.4231%	2,763
Total domestic deposits to total assets	85.9000%	2,760
Equity capital to assets	7.1353%	3,594
Core capital (leverage) ratio	8.6454%	4,011
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.1565%	1,585
Memoranda:
Average total assets	$413,748,800	1,972
Average earning assets	$386,444,800	1,960
Average equity	$34,230,000	2,144
Average total loans	$259,119,400	1,896
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5786%	2,404
Cost of funding earning assets	0.3413%	1,775
Net interest margin	3.2373%	2,505
Noninterest income to average assets	0.3500%	3,046
Noninterest expense to average assets	2.2924%	2,646
Loan and lease loss provision to assets	0.0600%	1,588
Net operating income to assets	0.8056%	3,238
Return on assets (ROA)	0.7286%	3,429
Pretax return on assets	0.9214%	3,254
Return on Equity (ROE)	8.4400%	3,190
Retained earnings to average equity (ytd only)	7.8568%	2,055
Net charge-offs to loans	0.0000%	2,349
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	0.0000%	2,297
Efficiency ratio	68.0988%	2,004
Assets per employee ($millions)	8.1384%	1,252
Cash dividends to net income (ytd only)*	6.8966%	2,930
Condition Ratios (%)
Loss allowance to loans	0.8497%	3,984
Loan loss allowance to noncurrent loans	0.0000%	3,983
Noncurrent assets plus other real estate owned to assets	0.0000%	4,052
Noncurrent loans to loans	0.0000%	3,992
Net loans and leases to total assets	59.6200%	2,548
Net loans and leases to deposits	70.1487%	2,348
Net loans and leases to core deposits	77.6417%	2,063
Total domestic deposits to total assets	84.9900%	3,289
Equity capital to assets	7.8829%	2,972
Core capital (leverage) ratio	9.3722%	3,204
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.2261%	1,359
Memoranda:
Average total assets	$392,714,000	2,069
Average earning assets	$366,428,500	2,060
Average equity	$33,906,000	2,192
Average total loans	$255,503,500	1,916
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4633%	2,241
Cost of funding earning assets	0.2270%	2,552
Net interest margin	3.2363%	2,086
Noninterest income to average assets	0.3467%	3,073
Noninterest expense to average assets	2.3482%	2,406
Loan and lease loss provision to assets	0.0411%	1,840
Net operating income to assets	0.7703%	3,062
Return on assets (ROA)	0.7703%	3,023
Pretax return on assets	0.9733%	2,816
Return on Equity (ROE)	8.6228%	2,815
Retained earnings to average equity (ytd only)	7.7378%	1,711
Net charge-offs to loans	0.0000%	2,156
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.8332%	1,984
Assets per employee ($millions)	7.2459%	1,772
Cash dividends to net income (ytd only)*	10.2635%	2,765
Condition Ratios (%)
Loss allowance to loans	0.8565%	4,076
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,093
Noncurrent loans to loans	0.0000%	4,026
Net loans and leases to total assets	63.9603%	1,916
Net loans and leases to deposits	73.5890%	1,908
Net loans and leases to core deposits	76.7392%	1,950
Total domestic deposits to total assets	86.9155%	2,963
Equity capital to assets	8.9596%	2,405
Core capital (leverage) ratio	9.8534%	2,564
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.3815%	1,330
Memoranda:
Average total assets	$374,414,000	2,142
Average earning assets	$348,918,667	2,146
Average equity	$33,446,333	2,258
Average total loans	$250,953,667	1,942
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3779%	2,154
Cost of funding earning assets	0.2241%	2,473
Net interest margin	3.1538%	2,011
Noninterest income to average assets	0.3223%	3,176
Noninterest expense to average assets	2.4053%	2,140
Loan and lease loss provision to assets	-0.0607%	4,534
Net operating income to assets	0.7219%	2,976
Return on assets (ROA)	0.7219%	2,966
Pretax return on assets	0.9140%	2,721
Return on Equity (ROE)	8.0949%	2,654
Retained earnings to average equity (ytd only)	6.2631%	2,151
Net charge-offs to loans	0.0000%	1,838
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	73.8144%	1,760
Assets per employee ($millions)	7.2998%	1,800
Cash dividends to net income (ytd only)*	22.6300%	1,927
Condition Ratios (%)
Loss allowance to loans	0.8460%	4,158
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,139
Noncurrent loans to loans	0.0000%	4,066
Net loans and leases to total assets	63.9135%	1,631
Net loans and leases to deposits	74.1303%	1,600
Net loans and leases to core deposits	76.8145%	1,721
Total domestic deposits to total assets	86.2178%	3,188
Equity capital to assets	9.4842%	2,297
Core capital (leverage) ratio	10.3661%	1,962
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.1052%	1,230
Memoranda:
Average total assets	$362,359,000	2,194
Average earning assets	$337,366,500	2,201
Average equity	$32,316,500	2,368
Average total loans	$247,881,000	1,949
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8558%	1,734
Cost of funding earning assets	0.3780%	1,695
Net interest margin	3.4778%	1,801
Noninterest income to average assets	0.4764%	2,692
Noninterest expense to average assets	2.7521%	1,479
Loan and lease loss provision to assets	-0.0191%	4,218
Net operating income to assets	0.7861%	3,372
Return on assets (ROA)	0.7861%	3,443
Pretax return on assets	0.9854%	3,301
Return on Equity (ROE)	8.9954%	2,911
Retained earnings to average equity (ytd only)	8.5730%	1,319
Net charge-offs to loans	-0.0045%	3,527
Credit loss provision to net charge-offs	545.4545%	763
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	74.0135%	1,300
Assets per employee ($millions)	6.7672%	2,096
Cash dividends to net income (ytd only)*	4.6964%	3,514
Condition Ratios (%)
Loss allowance to loans	0.8467%	4,186
Loan loss allowance to noncurrent loans	106,300.0000%	18
Noncurrent assets plus other real estate owned to assets	0.0006%	4,210
Noncurrent loans to loans	0.0008%	4,132
Net loans and leases to total assets	72.1346%	834
Net loans and leases to deposits	82.8994%	993
Net loans and leases to core deposits	86.3303%	1,180
Total domestic deposits to total assets	87.0146%	2,513
Equity capital to assets	8.2961%	4,181
Core capital (leverage) ratio	8.5215%	3,900
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.7983%	2,323
Memoranda:
Average total assets	$314,201,200	2,368
Average earning assets	$292,882,600	2,367
Average equity	$27,458,400	2,686
Average total loans	$245,689,200	1,956
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8793%	1,819
Cost of funding earning assets	0.4175%	1,562
Net interest margin	3.4618%	1,973
Noninterest income to average assets	0.4855%	2,687
Noninterest expense to average assets	2.8679%	1,194
Loan and lease loss provision to assets	-0.0251%	4,368
Net operating income to assets	0.6970%	3,774
Return on assets (ROA)	0.6970%	3,842
Pretax return on assets	0.8823%	3,733
Return on Equity (ROE)	7.8629%	3,445
Retained earnings to average equity (ytd only)	7.2935%	2,310
Net charge-offs to loans	-0.0071%	3,544
Credit loss provision to net charge-offs	446.1538%	815
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.9914%	959
Assets per employee ($millions)	6.4259%	2,314
Cash dividends to net income (ytd only)*	7.2409%	3,054
Condition Ratios (%)
Loss allowance to loans	0.8642%	4,241
Loan loss allowance to noncurrent loans	35,483.3333%	49
Noncurrent assets plus other real estate owned to assets	0.0018%	4,275
Noncurrent loans to loans	0.0024%	4,206
Net loans and leases to total assets	74.5241%	651
Net loans and leases to deposits	86.0817%	822
Net loans and leases to core deposits	89.8618%	1,044
Total domestic deposits to total assets	86.5736%	2,522
Equity capital to assets	8.5152%	4,203
Core capital (leverage) ratio	8.6983%	3,855
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$306,469,750	2,435
Average earning assets	$286,777,250	2,418
Average equity	$27,165,000	2,741
Average total loans	$244,341,000	1,989
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9500%	1,675
Cost of funding earning assets	0.4634%	1,428
Net interest margin	3.4866%	1,896
Noninterest income to average assets	0.4549%	2,821
Noninterest expense to average assets	2.9440%	1,078
Loan and lease loss provision to assets	-0.0454%	4,508
Net operating income to assets	0.6547%	3,865
Return on assets (ROA)	0.6547%	3,925
Pretax return on assets	0.8284%	3,809
Return on Equity (ROE)	7.2814%	3,583
Retained earnings to average equity (ytd only)	6.4195%	2,654
Net charge-offs to loans	-0.0033%	3,312
Credit loss provision to net charge-offs	1,700.0000%	324
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	78.9927%	849
Assets per employee ($millions)	6.4028%	2,233
Cash dividends to net income (ytd only)*	11.8367%	2,806
Condition Ratios (%)
Loss allowance to loans	0.8614%	4,260
Loan loss allowance to noncurrent loans	14,066.6667%	88
Noncurrent assets plus other real estate owned to assets	0.0048%	4,291
Noncurrent loans to loans	0.0061%	4,220
Net loans and leases to total assets	77.4030%	485
Net loans and leases to deposits	89.8785%	659
Net loans and leases to core deposits	94.0308%	900
Total domestic deposits to total assets	86.1195%	2,700
Equity capital to assets	8.7580%	4,006
Core capital (leverage) ratio	8.7848%	3,709
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$299,386,000	2,460
Average earning assets	$280,963,333	2,442
Average equity	$26,918,000	2,744
Average total loans	$243,668,000	2,005
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9646%	1,667
Cost of funding earning assets	0.5204%	1,267
Net interest margin	3.4441%	1,981
Noninterest income to average assets	0.4271%	2,944
Noninterest expense to average assets	2.4722%	2,256
Loan and lease loss provision to assets	-0.1451%	4,771
Net operating income to assets	1.0472%	2,647
Return on assets (ROA)	1.0472%	2,730
Pretax return on assets	1.3251%	2,500
Return on Equity (ROE)	11.4871%	2,193
Retained earnings to average equity (ytd only)	9.7453%	1,729
Net charge-offs to loans	-0.0066%	3,502
Credit loss provision to net charge-offs	2,650.0000%	201
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.6912%	1,974
Assets per employee ($millions)	6.6611%	2,042
Cash dividends to net income (ytd only)*	15.1634%	2,141
Condition Ratios (%)
Loss allowance to loans	0.8623%	4,263
Loan loss allowance to noncurrent loans	9,866.6667%	103
Noncurrent assets plus other real estate owned to assets	0.0070%	4,337
Noncurrent loans to loans	0.0087%	4,274
Net loans and leases to total assets	79.4732%	365
Net loans and leases to deposits	93.6808%	510
Net loans and leases to core deposits	98.6018%	776
Total domestic deposits to total assets	84.8340%	3,173
Equity capital to assets	8.9952%	3,692
Core capital (leverage) ratio	9.2236%	3,350
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$292,211,000	2,471
Average earning assets	$273,624,500	2,467
Average equity	$26,638,500	2,755
Average total loans	$243,026,500	2,005
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0485%	2,591
Cost of funding earning assets	0.7845%	1,277
Net interest margin	3.2640%	3,174
Noninterest income to average assets	0.4699%	2,772
Noninterest expense to average assets	2.4367%	3,027
Loan and lease loss provision to assets	0.1693%	2,268
Net operating income to assets	0.7240%	3,355
Return on assets (ROA)	0.7240%	3,487
Pretax return on assets	0.9163%	3,321
Return on Equity (ROE)	7.9735%	2,833
Retained earnings to average equity (ytd only)	7.9735%	1,061
Net charge-offs to loans	0.0000%	3,443
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.1803%	2,069
Assets per employee ($millions)	6.4658%	1,942
Cash dividends to net income (ytd only)*	0.0000%	3,731
Condition Ratios (%)
Loss allowance to loans	0.8846%	4,232
Loan loss allowance to noncurrent loans	8,696.0000%	129
Noncurrent assets plus other real estate owned to assets	0.0088%	4,397
Noncurrent loans to loans	0.0102%	4,339
Net loans and leases to total assets	85.6205%	109
Net loans and leases to deposits	101.5458%	318
Net loans and leases to core deposits	106.3555%	630
Total domestic deposits to total assets	84.3171%	3,009
Equity capital to assets	9.2452%	3,845
Core capital (leverage) ratio	9.1397%	3,498
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$277,090,800	2,417
Average earning assets	$259,133,200	2,408
Average equity	$25,158,400	2,793
Average total loans	$226,113,800	2,062
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0527%	2,814
Cost of funding earning assets	0.8370%	1,326
Net interest margin	3.2157%	3,445
Noninterest income to average assets	0.4195%	2,987
Noninterest expense to average assets	2.3673%	3,231
Loan and lease loss provision to assets	0.1802%	2,182
Net operating income to assets	0.6932%	3,481
Return on assets (ROA)	0.6932%	3,581
Pretax return on assets	0.8778%	3,444
Return on Equity (ROE)	7.6709%	2,934
Retained earnings to average equity (ytd only)	7.6709%	1,430
Net charge-offs to loans	-0.0006%	3,788
Credit loss provision to net charge-offs	-37,200.0000%	4,445
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.1133%	2,021
Assets per employee ($millions)	7.0230%	1,486
Cash dividends to net income (ytd only)*	0.0000%	3,332
Condition Ratios (%)
Loss allowance to loans	0.8621%	4,190
Loan loss allowance to noncurrent loans	7,992.3077%	111
Noncurrent assets plus other real estate owned to assets	0.0088%	4,461
Noncurrent loans to loans	0.0108%	4,403
Net loans and leases to total assets	81.0143%	519
Net loans and leases to deposits	97.0858%	683
Net loans and leases to core deposits	101.5511%	1,060
Total domestic deposits to total assets	83.4461%	3,011
Equity capital to assets	8.7224%	4,312
Core capital (leverage) ratio	9.1593%	3,591
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$275,239,750	2,401
Average earning assets	$257,272,500	2,394
Average equity	$24,872,500	2,801
Average total loans	$221,202,250	2,097
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1215%	2,992
Cost of funding earning assets	0.9174%	1,287
Net interest margin	3.2041%	3,657
Noninterest income to average assets	0.3722%	3,244
Noninterest expense to average assets	2.3122%	3,483
Loan and lease loss provision to assets	0.2419%	1,737
Net operating income to assets	0.6402%	3,608
Return on assets (ROA)	0.6402%	3,695
Pretax return on assets	0.8107%	3,555
Return on Equity (ROE)	6.9955%	3,134
Retained earnings to average equity (ytd only)	6.9955%	1,665
Net charge-offs to loans	0.0000%	3,033
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	68.7168%	2,136
Assets per employee ($millions)	7.0057%	1,434
Cash dividends to net income (ytd only)*	0.0000%	3,182
Condition Ratios (%)
Loss allowance to loans	0.8650%	4,139
Loan loss allowance to noncurrent loans	7,518.5185%	94
Noncurrent assets plus other real estate owned to assets	0.0096%	4,535
Noncurrent loans to loans	0.0115%	4,468
Net loans and leases to total assets	83.0252%	326
Net loans and leases to deposits	100.3528%	529
Net loans and leases to core deposits	105.2456%	930
Total domestic deposits to total assets	82.7333%	3,168
Equity capital to assets	8.9699%	4,117
Core capital (leverage) ratio	8.3115%	4,543
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$268,665,000	2,420
Average earning assets	$250,931,000	2,414
Average equity	$24,587,333	2,808
Average total loans	$214,589,333	2,126
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2217%	3,143
Cost of funding earning assets	1.0167%	1,349
Net interest margin	3.2050%	3,841
Noninterest income to average assets	0.3956%	3,133
Noninterest expense to average assets	2.6278%	2,899
Loan and lease loss provision to assets	0.4002%	765
Net operating income to assets	0.2845%	4,375
Return on assets (ROA)	0.2845%	4,397
Pretax return on assets	0.3606%	4,362
Return on Equity (ROE)	3.0765%	4,196
Retained earnings to average equity (ytd only)	3.0765%	3,048
Net charge-offs to loans	0.0000%	2,581
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.5483%	1,390
Assets per employee ($millions)	6.3910%	1,409
Cash dividends to net income (ytd only)*	0.0000%	2,581
Condition Ratios (%)
Loss allowance to loans	0.9492%	3,933
Loan loss allowance to noncurrent loans	6,789.6552%	101
Noncurrent assets plus other real estate owned to assets	0.0111%	4,593
Noncurrent loans to loans	0.0140%	4,512
Net loans and leases to total assets	78.4096%	919
Net loans and leases to deposits	98.0669%	705
Net loans and leases to core deposits	103.9073%	1,191
Total domestic deposits to total assets	79.9552%	3,872
Equity capital to assets	9.3358%	4,364
Core capital (leverage) ratio	9.3841%	4,103
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$262,884,000	2,410
Average earning assets	$245,492,000	2,402
Average equity	$24,313,000	2,823
Average total loans	$204,539,500	2,151
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5761%	2,695
Cost of funding earning assets	1.0556%	1,495
Net interest margin	3.5205%	3,384
Noninterest income to average assets	0.4302%	3,106
Noninterest expense to average assets	2.7242%	2,821
Loan and lease loss provision to assets	-0.0391%	4,994
Net operating income to assets	0.8161%	3,508
Return on assets (ROA)	0.8161%	3,597
Pretax return on assets	1.0181%	3,423
Return on Equity (ROE)	8.8505%	2,824
Retained earnings to average equity (ytd only)	8.8505%	751
Net charge-offs to loans	0.0034%	3,557
Credit loss provision to net charge-offs	-1,400.0000%	4,567
Earnings coverage of net charge-offs (x)	350.4286%	251
Efficiency ratio	73.5640%	1,660
Assets per employee ($millions)	6.4326%	1,329
Cash dividends to net income (ytd only)*	0.0000%	3,913
Condition Ratios (%)
Loss allowance to loans	0.8455%	4,167
Loan loss allowance to noncurrent loans	5,879.3103%	130
Noncurrent assets plus other real estate owned to assets	0.1073%	4,088
Noncurrent loans to loans	0.0144%	4,523
Net loans and leases to total assets	75.8132%	1,448
Net loans and leases to deposits	95.9356%	947
Net loans and leases to core deposits	102.0455%	1,403
Total domestic deposits to total assets	79.0252%	4,182
Equity capital to assets	9.1618%	4,605
Core capital (leverage) ratio	9.3554%	4,217
Tier 1 risk-based capital ratio	13.8806%	3,322
Total risk-based capital ratio	14.8600%	3,366
Memoranda:
Average total assets	$250,572,800	2,460
Average earning assets	$232,949,400	2,452
Average equity	$23,106,000	2,863
Average total loans	$205,221,000	2,128
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6352%	2,616
Cost of funding earning assets	1.0610%	1,498
Net interest margin	3.5742%	3,319
Noninterest income to average assets	0.3974%	3,334
Noninterest expense to average assets	2.6916%	2,894
Loan and lease loss provision to assets	-0.0065%	5,048
Net operating income to assets	0.8158%	3,620
Return on assets (ROA)	0.8158%	3,703
Pretax return on assets	1.0325%	3,494
Return on Equity (ROE)	8.8315%	2,946
Retained earnings to average equity (ytd only)	8.8315%	1,092
Net charge-offs to loans	0.0052%	3,207
Credit loss provision to net charge-offs	-150.0000%	4,124
Earnings coverage of net charge-offs (x)	237.7948%	387
Efficiency ratio	72.4003%	1,778
Assets per employee ($millions)	6.2335%	1,441
Cash dividends to net income (ytd only)*	0.0000%	3,563
Condition Ratios (%)
Loss allowance to loans	0.8462%	4,252
Loan loss allowance to noncurrent loans	5,774.1935%	125
Noncurrent assets plus other real estate owned to assets	0.1233%	4,111
Noncurrent loans to loans	0.0147%	4,612
Net loans and leases to total assets	82.0704%	560
Net loans and leases to deposits	104.4073%	391
Net loans and leases to core deposits	110.7352%	915
Total domestic deposits to total assets	78.6060%	4,247
Equity capital to assets	9.2463%	4,633
Core capital (leverage) ratio	9.3648%	4,309
Tier 1 risk-based capital ratio	12.9602%	3,871
Total risk-based capital ratio	13.9419%	3,903
Memoranda:
Average total assets	$247,282,250	2,497
Average earning assets	$229,712,250	2,493
Average equity	$22,841,750	2,904
Average total loans	$206,113,500	2,138
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6368%	2,556
Cost of funding earning assets	1.0455%	1,511
Net interest margin	3.5913%	3,288
Noninterest income to average assets	0.3820%	3,387
Noninterest expense to average assets	2.7401%	2,781
Loan and lease loss provision to assets	0.0025%	3,657
Net operating income to assets	0.7721%	3,743
Return on assets (ROA)	0.7721%	3,810
Pretax return on assets	0.9774%	3,625
Return on Equity (ROE)	8.3619%	3,130
Retained earnings to average equity (ytd only)	8.3619%	1,256
Net charge-offs to loans	0.0078%	2,866
Credit loss provision to net charge-offs	37.5000%	2,557
Earnings coverage of net charge-offs (x)	149.7500%	498
Efficiency ratio	73.6588%	1,679
Assets per employee ($millions)	5.6942%	1,794
Cash dividends to net income (ytd only)*	0.0000%	3,431
Condition Ratios (%)
Loss allowance to loans	0.8663%	4,213
Loan loss allowance to noncurrent loans	3,112.0690%	231
Noncurrent assets plus other real estate owned to assets	0.1365%	4,077
Noncurrent loans to loans	0.0278%	4,583
Net loans and leases to total assets	82.4391%	541
Net loans and leases to deposits	102.9851%	474
Net loans and leases to core deposits	108.5256%	1,063
Total domestic deposits to total assets	80.0495%	4,029
Equity capital to assets	9.2047%	4,648
Core capital (leverage) ratio	9.3685%	4,288
Tier 1 risk-based capital ratio	12.8340%	3,922
Total risk-based capital ratio	13.8385%	3,971
Memoranda:
Average total assets	$244,519,000	2,528
Average earning assets	$227,270,000	2,525
Average equity	$22,578,670	2,919
Average total loans	$204,305,000	2,157
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5998%	2,531
Cost of funding earning assets	1.0095%	1,531
Net interest margin	3.5903%	3,284
Noninterest income to average assets	0.3544%	3,486
Noninterest expense to average assets	2.7444%	2,761
Loan and lease loss provision to assets	0.0265%	3,078
Net operating income to assets	0.7254%	3,856
Return on assets (ROA)	0.7254%	3,904
Pretax return on assets	0.9176%	3,706
Return on Equity (ROE)	7.8435%	3,329
Retained earnings to average equity (ytd only)	7.8435%	1,723
Net charge-offs to loans	0.0079%	2,411
Credit loss provision to net charge-offs	400.0000%	692
Earnings coverage of net charge-offs (x)	142.5000%	524
Efficiency ratio	74.4050%	1,697
Assets per employee ($millions)	5.6936%	1,799
Cash dividends to net income (ytd only)*	0.0000%	2,768
Condition Ratios (%)
Loss allowance to loans	0.8912%	4,197
Loan loss allowance to noncurrent loans	915.5779%	647
Noncurrent assets plus other real estate owned to assets	0.1973%	3,821
Noncurrent loans to loans	0.0973%	4,309
Net loans and leases to total assets	82.7620%	496
Net loans and leases to deposits	102.7396%	461
Net loans and leases to core deposits	107.7570%	1,066
Total domestic deposits to total assets	80.5552%	4,059
Equity capital to assets	9.2131%	4,519
Core capital (leverage) ratio	9.3427%	4,328
Tier 1 risk-based capital ratio	12.8244%	3,967
Total risk-based capital ratio	13.8604%	3,973
Memoranda:
Average total assets	$241,506,000	2,571
Average earning assets	$224,270,000	2,560
Average equity	$22,337,000	2,939
Average total loans	$202,281,500	2,194
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5695%	2,234
Cost of funding earning assets	0.8866%	1,146
Net interest margin	3.6830%	3,103
Noninterest income to average assets	0.3521%	3,748
Noninterest expense to average assets	2.7533%	2,848
Loan and lease loss provision to assets	0.0850%	2,432
Net operating income to assets	0.7433%	3,996
Return on assets (ROA)	0.7433%	3,997
Pretax return on assets	0.9262%	3,827
Return on Equity (ROE)	8.1650%	3,372
Retained earnings to average equity (ytd only)	8.1650%	1,167
Net charge-offs to loans	0.0668%	2,158
Credit loss provision to net charge-offs	152.3077%	1,807
Earnings coverage of net charge-offs (x)	18.1154%	2,157
Efficiency ratio	73.1379%	1,742
Assets per employee ($millions)	5.5392%	1,920
Cash dividends to net income (ytd only)*	0.0000%	4,013
Condition Ratios (%)
Loss allowance to loans	0.9045%	4,138
Loan loss allowance to noncurrent loans	2,919.3548%	267
Noncurrent assets plus other real estate owned to assets	0.1453%	4,103
Noncurrent loans to loans	0.0310%	4,632
Net loans and leases to total assets	83.2576%	487
Net loans and leases to deposits	103.7214%	493
Net loans and leases to core deposits	109.1175%	1,048
Total domestic deposits to total assets	80.2705%	4,048
Equity capital to assets	9.2860%	4,333
Core capital (leverage) ratio	9.0942%	4,564
Tier 1 risk-based capital ratio	12.9041%	3,899
Total risk-based capital ratio	13.9601%	3,893
Memoranda:
Average total assets	$232,888,400	2,598
Average earning assets	$215,777,000	2,593
Average equity	$21,200,200	2,966
Average total loans	$194,605,600	2,213
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5280%	2,201
Cost of funding earning assets	0.8530%	1,107
Net interest margin	3.6749%	3,103
Noninterest income to average assets	0.3512%	3,782
Noninterest expense to average assets	2.7695%	2,746
Loan and lease loss provision to assets	0.0904%	2,168
Net operating income to assets	0.7088%	4,196
Return on assets (ROA)	0.7088%	4,206
Pretax return on assets	0.8971%	4,032
Return on Equity (ROE)	7.8266%	3,615
Retained earnings to average equity (ytd only)	7.8266%	1,736
Net charge-offs to loans	0.0925%	1,575
Credit loss provision to net charge-offs	117.1642%	2,022
Earnings coverage of net charge-offs (x)	12.7987%	2,423
Efficiency ratio	73.7165%	1,637
Assets per employee ($millions)	5.6003%	1,829
Cash dividends to net income (ytd only)*	0.0000%	3,598
Condition Ratios (%)
Loss allowance to loans	0.8967%	4,279
Loan loss allowance to noncurrent loans	2,557.9710%	281
Noncurrent assets plus other real estate owned to assets	0.1466%	4,218
Noncurrent loans to loans	0.0351%	4,738
Net loans and leases to total assets	81.0070%	867
Net loans and leases to deposits	100.3859%	749
Net loans and leases to core deposits	105.3519%	1,352
Total domestic deposits to total assets	80.6956%	3,955
Equity capital to assets	8.9770%	4,567
Core capital (leverage) ratio	8.9161%	4,786
Tier 1 risk-based capital ratio	12.7884%	4,030
Total risk-based capital ratio	13.8325%	4,047
Memoranda:
Average total assets	$231,564,000	2,610
Average earning assets	$214,602,250	2,613
Average equity	$20,970,750	3,016
Average total loans	$193,227,500	2,231
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4867%	2,130
Cost of funding earning assets	0.8002%	1,123
Net interest margin	3.6865%	2,986
Noninterest income to average assets	0.3326%	3,957
Noninterest expense to average assets	2.8116%	2,629
Loan and lease loss provision to assets	0.1173%	1,686
Net operating income to assets	0.6469%	4,355
Return on assets (ROA)	0.6469%	4,362
Pretax return on assets	0.8193%	4,193
Return on Equity (ROE)	7.1212%	3,864
Retained earnings to average equity (ytd only)	7.1212%	2,017
Net charge-offs to loans	0.0417%	2,031
Credit loss provision to net charge-offs	335.0000%	931
Earnings coverage of net charge-offs (x)	26.7500%	1,588
Efficiency ratio	75.0117%	1,561
Assets per employee ($millions)	6.0295%	1,443
Cash dividends to net income (ytd only)*	0.0000%	3,456
Condition Ratios (%)
Loss allowance to loans	0.9139%	4,275
Loan loss allowance to noncurrent loans	349.0494%	1,463
Noncurrent assets plus other real estate owned to assets	0.2181%	3,909
Noncurrent loans to loans	0.2618%	3,766
Net loans and leases to total assets	82.5334%	645
Net loans and leases to deposits	102.9357%	600
Net loans and leases to core deposits	107.6060%	1,143
Total domestic deposits to total assets	80.1796%	4,196
Equity capital to assets	8.7594%	4,755
Core capital (leverage) ratio	9.0296%	4,668
Tier 1 risk-based capital ratio	12.2451%	4,344
Total risk-based capital ratio	13.3087%	4,333
Memoranda:
Average total assets	$228,480,330	2,652
Average earning assets	$211,691,000	2,653
Average equity	$20,755,000	3,058
Average total loans	$192,022,670	2,244
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4915%	1,898
Cost of funding earning assets	0.7330%	1,268
Net interest margin	3.7585%	2,586
Noninterest income to average assets	0.3385%	3,890
Noninterest expense to average assets	2.8488%	2,539
Loan and lease loss provision to assets	0.1387%	1,358
Net operating income to assets	0.6573%	4,253
Return on assets (ROA)	0.6573%	4,262
Pretax return on assets	0.8319%	4,078
Return on Equity (ROE)	7.0979%	3,748
Retained earnings to average equity (ytd only)	7.0979%	2,236
Net charge-offs to loans	0.0000%	2,722
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	74.5875%	1,811
Assets per employee ($millions)	5.2538%	2,192
Cash dividends to net income (ytd only)*	0.0000%	2,749
Condition Ratios (%)
Loss allowance to loans	0.9479%	4,227
Loan loss allowance to noncurrent loans	2,393.4211%	288
Noncurrent assets plus other real estate owned to assets	0.0336%	4,941
Noncurrent loans to loans	0.0396%	4,795
Net loans and leases to total assets	84.1399%	427
Net loans and leases to deposits	103.7548%	491
Net loans and leases to core deposits	108.0963%	1,116
Total domestic deposits to total assets	81.0949%	4,175
Equity capital to assets	9.1858%	4,377
Core capital (leverage) ratio	9.3032%	4,323
Tier 1 risk-based capital ratio	12.4678%	4,263
Total risk-based capital ratio	13.5606%	4,265
Memoranda:
Average total assets	$222,130,000	2,736
Average earning assets	$205,720,500	2,735
Average equity	$20,569,500	3,101
Average total loans	$187,588,500	2,301
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4094%	2,006
Cost of funding earning assets	0.6331%	1,400
Net interest margin	3.7762%	2,516
Noninterest income to average assets	0.3243%	4,145
Noninterest expense to average assets	2.9423%	2,307
Loan and lease loss provision to assets	0.0474%	3,276
Net operating income to assets	0.4052%	4,674
Return on assets (ROA)	0.4052%	4,696
Pretax return on assets	0.8109%	4,214
Return on Equity (ROE)	4.1788%	4,451
Retained earnings to average equity (ytd only)	4.1788%	2,658
Net charge-offs to loans	0.0000%	4,128
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.4169%	1,431
Assets per employee ($millions)	4.7467%	2,803
Cash dividends to net income (ytd only)*	0.0000%	4,098
Condition Ratios (%)
Loss allowance to loans	0.9499%	4,207
Loan loss allowance to noncurrent loans	1,627.1028%	415
Noncurrent assets plus other real estate owned to assets	0.0490%	4,889
Noncurrent loans to loans	0.0584%	4,734
Net loans and leases to total assets	83.1401%	538
Net loans and leases to deposits	103.0658%	543
Net loans and leases to core deposits	107.5101%	1,177
Total domestic deposits to total assets	80.6670%	4,203
Equity capital to assets	9.3370%	4,393
Core capital (leverage) ratio	9.5082%	4,041
Tier 1 risk-based capital ratio	12.5772%	4,162
Total risk-based capital ratio	13.6519%	4,173
Memoranda:
Average total assets	$206,569,800	2,854
Average earning assets	$190,162,800	2,863
Average equity	$20,029,600	3,144
Average total loans	$170,385,200	2,414
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3893%	1,986
Cost of funding earning assets	0.6137%	1,438
Net interest margin	3.7756%	2,483
Noninterest income to average assets	0.3208%	4,242
Noninterest expense to average assets	2.9720%	2,187
Loan and lease loss provision to assets	0.0458%	3,183
Net operating income to assets	0.5205%	4,679
Return on assets (ROA)	0.5205%	4,705
Pretax return on assets	0.7753%	4,420
Return on Equity (ROE)	5.3157%	4,405
Retained earnings to average equity (ytd only)	5.3157%	2,668
Net charge-offs to loans	0.0000%	3,796
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	78.3532%	1,285
Assets per employee ($millions)	4.8707%	2,603
Cash dividends to net income (ytd only)*	0.0000%	3,680
Condition Ratios (%)
Loss allowance to loans	0.9819%	4,178
Loan loss allowance to noncurrent loans	2,089.0244%	337
Noncurrent assets plus other real estate owned to assets	0.0392%	5,038
Noncurrent loans to loans	0.0470%	4,901
Net loans and leases to total assets	82.4810%	604
Net loans and leases to deposits	103.2984%	533
Net loans and leases to core deposits	107.8279%	1,146
Total domestic deposits to total assets	79.8473%	4,348
Equity capital to assets	9.7140%	4,234
Core capital (leverage) ratio	9.8021%	3,819
Tier 1 risk-based capital ratio	13.1842%	3,886
Total risk-based capital ratio	14.2950%	3,889
Memoranda:
Average total assets	$203,625,500	2,910
Average earning assets	$187,268,000	2,915
Average equity	$19,940,250	3,172
Average total loans	$167,162,750	2,467
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3571%	1,954
Cost of funding earning assets	0.5832%	1,556
Net interest margin	3.7739%	2,389
Noninterest income to average assets	0.3094%	4,329
Noninterest expense to average assets	2.9789%	2,173
Loan and lease loss provision to assets	0.0178%	3,606
Net operating income to assets	0.5494%	4,526
Return on assets (ROA)	0.5494%	4,566
Pretax return on assets	0.7844%	4,332
Return on Equity (ROE)	5.5945%	4,227
Retained earnings to average equity (ytd only)	5.5945%	2,359
Net charge-offs to loans	0.0000%	3,512
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	78.7831%	1,357
Assets per employee ($millions)	4.8722%	2,551
Cash dividends to net income (ytd only)*	0.0000%	3,521
Condition Ratios (%)
Loss allowance to loans	0.9886%	4,223
Loan loss allowance to noncurrent loans	1,954.1176%	342
Noncurrent assets plus other real estate owned to assets	0.0415%	5,080
Noncurrent loans to loans	0.0506%	4,937
Net loans and leases to total assets	81.2937%	772
Net loans and leases to deposits	102.1034%	605
Net loans and leases to core deposits	106.9065%	1,164
Total domestic deposits to total assets	79.6190%	4,497
Equity capital to assets	9.8245%	4,106
Core capital (leverage) ratio	9.8764%	3,681
Tier 1 risk-based capital ratio	13.7202%	3,578
Total risk-based capital ratio	14.8538%	3,556
Memoranda:
Average total assets	$201,687,000	2,951
Average earning assets	$185,535,330	2,952
Average equity	$19,805,330	3,177
Average total loans	$164,729,670	2,501
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3448%	1,834
Cost of funding earning assets	0.5580%	1,670
Net interest margin	3.7868%	2,160
Noninterest income to average assets	0.2997%	4,416
Noninterest expense to average assets	3.0148%	2,130
Loan and lease loss provision to assets	0.1279%	1,507
Net operating income to assets	0.4235%	4,881
Return on assets (ROA)	0.4235%	4,902
Pretax return on assets	0.6413%	4,626
Return on Equity (ROE)	4.3142%	4,662
Retained earnings to average equity (ytd only)	4.3142%	3,265
Net charge-offs to loans	0.0000%	2,943
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	79.6727%	1,420
Assets per employee ($millions)	4.6608%	2,906
Cash dividends to net income (ytd only)*	0.0000%	2,824
Condition Ratios (%)
Loss allowance to loans	1.0298%	4,100
Loan loss allowance to noncurrent loans	1,939.7727%	356
Noncurrent assets plus other real estate owned to assets	0.0439%	5,130
Noncurrent loans to loans	0.0531%	4,982
Net loans and leases to total assets	81.8560%	583
Net loans and leases to deposits	101.4608%	518
Net loans and leases to core deposits	104.6377%	1,183
Total domestic deposits to total assets	80.6774%	4,484
Equity capital to assets	9.8606%	3,918
Core capital (leverage) ratio	9.5993%	4,006
Tier 1 risk-based capital ratio	13.6900%	3,667
Total risk-based capital ratio	14.8725%	3,612
Memoranda:
Average total assets	$200,214,500	2,994
Average earning assets	$184,218,500	2,999
Average equity	$19,656,000	3,209
Average total loans	$163,087,500	2,535
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3366%	2,026
Cost of funding earning assets	0.5673%	1,556
Net interest margin	3.7693%	2,434
Noninterest income to average assets	0.3330%	4,349
Noninterest expense to average assets	2.8637%	2,796
Loan and lease loss provision to assets	0.0814%	2,728
Net operating income to assets	0.5584%	4,401
Return on assets (ROA)	0.5584%	4,506
Pretax return on assets	0.8430%	4,038
Return on Equity (ROE)	5.6313%	4,150
Retained earnings to average equity (ytd only)	5.6313%	1,933
Net charge-offs to loans	0.0000%	4,281
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	75.5962%	2,042
Assets per employee ($millions)	4.9993%	2,393
Cash dividends to net income (ytd only)*	0.0000%	4,198
Condition Ratios (%)
Loss allowance to loans	1.0242%	4,173
Loan loss allowance to noncurrent loans	2,567.1875%	280
Noncurrent assets plus other real estate owned to assets	0.0320%	5,243
Noncurrent loans to loans	0.0399%	5,095
Net loans and leases to total assets	79.3986%	979
Net loans and leases to deposits	98.2105%	811
Net loans and leases to core deposits	101.1080%	1,525
Total domestic deposits to total assets	80.8453%	4,369
Equity capital to assets	9.7414%	4,015
Core capital (leverage) ratio	9.9400%	3,572
Tier 1 risk-based capital ratio	13.8692%	3,537
Total risk-based capital ratio	15.0390%	3,493
Memoranda:
Average total assets	$190,380,800	3,056
Average earning assets	$174,516,600	3,061
Average equity	$18,876,600	3,284
Average total loans	$152,703,200	2,607
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3459%	2,012
Cost of funding earning assets	0.5704%	1,543
Net interest margin	3.7755%	2,426
Noninterest income to average assets	0.3298%	4,425
Noninterest expense to average assets	2.8442%	2,849
Loan and lease loss provision to assets	0.0844%	2,529
Net operating income to assets	0.5873%	4,343
Return on assets (ROA)	0.5873%	4,453
Pretax return on assets	0.8568%	4,135
Return on Equity (ROE)	5.8955%	4,121
Retained earnings to average equity (ytd only)	5.8955%	2,242
Net charge-offs to loans	0.0044%	3,764
Credit loss provision to net charge-offs	2,380.0000%	212
Earnings coverage of net charge-offs (x)	265.2609%	305
Efficiency ratio	75.1358%	2,086
Assets per employee ($millions)	5.1569%	2,178
Cash dividends to net income (ytd only)*	0.0000%	3,760
Condition Ratios (%)
Loss allowance to loans	1.0227%	4,282
Loan loss allowance to noncurrent loans	2,503.1250%	285
Noncurrent assets plus other real estate owned to assets	0.0327%	5,361
Noncurrent loans to loans	0.0409%	5,202
Net loans and leases to total assets	79.1165%	1,019
Net loans and leases to deposits	101.9370%	575
Net loans and leases to core deposits	105.7031%	1,212
Total domestic deposits to total assets	77.6131%	4,980
Equity capital to assets	9.7799%	4,384
Core capital (leverage) ratio	9.9555%	3,625
Tier 1 risk-based capital ratio	14.1230%	3,491
Total risk-based capital ratio	15.3035%	3,452
Memoranda:
Average total assets	$187,983,000	3,092
Average earning assets	$172,050,500	3,101
Average equity	$18,725,750	3,335
Average total loans	$150,774,500	2,630
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3431%	2,008
Cost of funding earning assets	0.5736%	1,513
Net interest margin	3.7695%	2,443
Noninterest income to average assets	0.3238%	4,468
Noninterest expense to average assets	2.8674%	2,780
Loan and lease loss provision to assets	0.0982%	2,197
Net operating income to assets	0.5310%	4,556
Return on assets (ROA)	0.5310%	4,675
Pretax return on assets	0.8051%	4,263
Return on Equity (ROE)	5.2962%	4,387
Retained earnings to average equity (ytd only)	5.2962%	2,547
Net charge-offs to loans	0.0000%	3,689
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.0446%	2,072
Assets per employee ($millions)	5.3648%	1,921
Cash dividends to net income (ytd only)*	0.0000%	3,619
Condition Ratios (%)
Loss allowance to loans	1.0215%	4,396
Loan loss allowance to noncurrent loans	2,467.1875%	271
Noncurrent assets plus other real estate owned to assets	0.0331%	5,458
Noncurrent loans to loans	0.0414%	5,300
Net loans and leases to total assets	79.2224%	1,032
Net loans and leases to deposits	101.5167%	597
Net loans and leases to core deposits	105.3188%	1,233
Total domestic deposits to total assets	78.0387%	4,992
Equity capital to assets	9.7499%	4,510
Core capital (leverage) ratio	10.1357%	3,406
Tier 1 risk-based capital ratio	14.0468%	3,578
Total risk-based capital ratio	15.2247%	3,540
Memoranda:
Average total assets	$185,323,000	3,130
Average earning assets	$169,465,670	3,149
Average equity	$18,579,330	3,361
Average total loans	$148,819,000	2,666
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3717%	1,891
Cost of funding earning assets	0.5859%	1,440
Net interest margin	3.7857%	2,344
Noninterest income to average assets	0.3175%	4,461
Noninterest expense to average assets	2.9126%	2,665
Loan and lease loss provision to assets	0.0926%	2,138
Net operating income to assets	0.5115%	4,583
Return on assets (ROA)	0.5115%	4,692
Pretax return on assets	0.7739%	4,285
Return on Equity (ROE)	5.0287%	4,472
Retained earnings to average equity (ytd only)	5.0287%	2,925
Net charge-offs to loans	0.0000%	3,094
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.0712%	2,033
Assets per employee ($millions)	4.9514%	2,394
Cash dividends to net income (ytd only)*	0.0000%	2,863
Condition Ratios (%)
Loss allowance to loans	1.0332%	4,430
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	5,696
Noncurrent loans to loans	0.0000%	5,543
Net loans and leases to total assets	79.9963%	808
Net loans and leases to deposits	99.7482%	638
Net loans and leases to core deposits	103.5937%	1,212
Total domestic deposits to total assets	80.1983%	4,700
Equity capital to assets	10.1364%	3,911
Core capital (leverage) ratio	10.2345%	3,279
Tier 1 risk-based capital ratio	14.3269%	3,483
Total risk-based capital ratio	15.5086%	3,455
Memoranda:
Average total assets	$181,419,000	3,186
Average earning assets	$165,887,000	3,201
Average equity	$18,454,000	3,371
Average total loans	$145,937,500	2,706
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2322%	2,450
Cost of funding earning assets	0.6269%	1,199
Net interest margin	3.6053%	3,113
Noninterest income to average assets	0.2847%	4,854
Noninterest expense to average assets	2.9179%	2,795
Loan and lease loss provision to assets	-0.0114%	5,634
Net operating income to assets	0.4695%	4,814
Return on assets (ROA)	0.4695%	4,893
Pretax return on assets	0.7017%	4,529
Return on Equity (ROE)	4.7882%	4,612
Retained earnings to average equity (ytd only)	4.7882%	2,586
Net charge-offs to loans	-0.0382%	5,482
Credit loss provision to net charge-offs	37.7358%	3,556
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	80.8696%	1,551
Assets per employee ($millions)	4.9899%	2,377
Cash dividends to net income (ytd only)*	0.0000%	4,258
Condition Ratios (%)
Loss allowance to loans	1.0355%	4,409
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	5,750
Noncurrent loans to loans	0.0000%	5,583
Net loans and leases to total assets	79.2164%	959
Net loans and leases to deposits	99.7644%	687
Net loans and leases to core deposits	103.7376%	1,240
Total domestic deposits to total assets	79.4035%	4,886
Equity capital to assets	10.2084%	3,736
Core capital (leverage) ratio	10.3364%	3,119
Tier 1 risk-based capital ratio	14.7419%	3,308
Total risk-based capital ratio	15.9490%	3,259
Memoranda:
Average total assets	$175,297,400	3,227
Average earning assets	$161,595,000	3,236
Average equity	$17,188,000	3,506
Average total loans	$138,761,600	2,739
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2067%	2,556
Cost of funding earning assets	0.6397%	1,149
Net interest margin	3.5670%	3,280
Noninterest income to average assets	0.2732%	4,983
Noninterest expense to average assets	2.9105%	2,818
Loan and lease loss provision to assets	-0.0673%	5,948
Net operating income to assets	0.4783%	4,861
Return on assets (ROA)	0.4783%	4,964
Pretax return on assets	0.7248%	4,597
Return on Equity (ROE)	4.9307%	4,653
Retained earnings to average equity (ytd only)	4.9307%	2,956
Net charge-offs to loans	-0.0514%	5,559
Credit loss provision to net charge-offs	166.0377%	1,554
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	81.5744%	1,453
Assets per employee ($millions)	4.7988%	2,563
Cash dividends to net income (ytd only)*	0.0000%	3,801
Condition Ratios (%)
Loss allowance to loans	1.0243%	4,622
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	5,840
Noncurrent loans to loans	0.0000%	5,684
Net loans and leases to total assets	79.4813%	888
Net loans and leases to deposits	97.4044%	872
Net loans and leases to core deposits	101.6170%	1,405
Total domestic deposits to total assets	81.5994%	4,290
Equity capital to assets	10.5004%	3,604
Core capital (leverage) ratio	10.2168%	3,351
Tier 1 risk-based capital ratio	14.8556%	3,368
Total risk-based capital ratio	16.0326%	3,348
Memoranda:
Average total assets	$174,212,500	3,270
Average earning assets	$160,913,500	3,269
Average equity	$16,900,500	3,574
Average total loans	$137,504,250	2,775
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1773%	2,629
Cost of funding earning assets	0.6385%	1,177
Net interest margin	3.5388%	3,341
Noninterest income to average assets	0.2507%	5,152
Noninterest expense to average assets	2.8735%	2,981
Loan and lease loss provision to assets	-0.1259%	6,111
Net operating income to assets	0.5129%	4,713
Return on assets (ROA)	0.5129%	4,823
Pretax return on assets	0.7773%	4,397
Return on Equity (ROE)	5.4345%	4,408
Retained earnings to average equity (ytd only)	5.4345%	2,577
Net charge-offs to loans	-0.0759%	5,692
Credit loss provision to net charge-offs	211.5385%	1,176
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	81.5200%	1,557
Assets per employee ($millions)	4.9952%	2,281
Cash dividends to net income (ytd only)*	0.0000%	3,641
Condition Ratios (%)
Loss allowance to loans	1.0281%	4,721
Loan loss allowance to noncurrent loans	1,725.9259%	328
Noncurrent assets plus other real estate owned to assets	0.1179%	5,392
Noncurrent loans to loans	0.0596%	5,494
Net loans and leases to total assets	74.8379%	1,530
Net loans and leases to deposits	90.0175%	1,597
Net loans and leases to core deposits	93.7049%	1,989
Total domestic deposits to total assets	83.1370%	3,894
Equity capital to assets	9.2940%	4,900
Core capital (leverage) ratio	9.5084%	4,271
Tier 1 risk-based capital ratio	13.8527%	4,005
Total risk-based capital ratio	15.0324%	3,982
Memoranda:
Average total assets	$174,698,330	3,285
Average earning assets	$161,637,330	3,282
Average equity	$16,487,330	3,643
Average total loans	$137,096,000	2,791
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2180%	2,386
Cost of funding earning assets	0.6462%	1,141
Net interest margin	3.5718%	3,116
Noninterest income to average assets	0.2347%	5,285
Noninterest expense to average assets	2.9396%	2,775
Loan and lease loss provision to assets	-0.1627%	6,245
Net operating income to assets	0.5089%	4,637
Return on assets (ROA)	0.5089%	4,758
Pretax return on assets	0.7715%	4,343
Return on Equity (ROE)	5.3498%	4,353
Retained earnings to average equity (ytd only)	5.3498%	2,862
Net charge-offs to loans	-0.1511%	5,981
Credit loss provision to net charge-offs	134.6154%	1,344
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	82.8422%	1,514
Assets per employee ($millions)	4.8944%	2,494
Cash dividends to net income (ytd only)*	0.0000%	2,870
Condition Ratios (%)
Loss allowance to loans	1.0509%	4,757
Loan loss allowance to noncurrent loans	688.0383%	753
Noncurrent assets plus other real estate owned to assets	0.1220%	5,470
Noncurrent loans to loans	0.1527%	5,230
Net loans and leases to total assets	79.0425%	787
Net loans and leases to deposits	95.8782%	836
Net loans and leases to core deposits	99.7694%	1,335
Total domestic deposits to total assets	82.4406%	4,371
Equity capital to assets	9.6227%	4,604
Core capital (leverage) ratio	9.4321%	4,376
Tier 1 risk-based capital ratio	14.1644%	3,904
Total risk-based capital ratio	15.4144%	3,831
Memoranda:
Average total assets	$172,134,500	3,327
Average earning assets	$159,695,000	3,328
Average equity	$16,374,500	3,681
Average total loans	$137,656,000	2,780
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3594%	2,371
Cost of funding earning assets	0.7539%	831
Net interest margin	3.6056%	3,395
Noninterest income to average assets	0.2108%	5,599
Noninterest expense to average assets	3.0639%	2,642
Loan and lease loss provision to assets	0.1063%	2,375
Net operating income to assets	0.2698%	5,596
Return on assets (ROA)	0.2698%	5,667
Pretax return on assets	0.4086%	5,464
Return on Equity (ROE)	2.7418%	5,562
Retained earnings to average equity (ytd only)	2.7418%	4,290
Net charge-offs to loans	0.1043%	3,019
Credit loss provision to net charge-offs	127.2059%	1,885
Earnings coverage of net charge-offs (x)	6.1618%	3,257
Efficiency ratio	85.6113%	1,211
Assets per employee ($millions)	4.9419%	2,396
Cash dividends to net income (ytd only)*	0.0000%	4,317
Condition Ratios (%)
Loss allowance to loans	1.0515%	4,804
Loan loss allowance to noncurrent loans	353.3981%	1,418
Noncurrent assets plus other real estate owned to assets	0.2382%	5,064
Noncurrent loans to loans	0.2975%	4,782
Net loans and leases to total assets	79.2154%	854
Net loans and leases to deposits	95.7236%	927
Net loans and leases to core deposits	99.5575%	1,422
Total domestic deposits to total assets	82.7543%	4,165
Equity capital to assets	9.4036%	4,837
Core capital (leverage) ratio	8.9379%	5,079
Tier 1 risk-based capital ratio	13.3863%	4,475
Total risk-based capital ratio	14.6368%	4,414
Memoranda:
Average total assets	$162,732,600	3,454
Average earning assets	$152,014,600	3,411
Average equity	$16,011,400	3,665
Average total loans	$130,416,000	2,859
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3870%	2,266
Cost of funding earning assets	0.7654%	821
Net interest margin	3.6216%	3,341
Noninterest income to average assets	0.2081%	5,686
Noninterest expense to average assets	3.1332%	2,369
Loan and lease loss provision to assets	0.1024%	2,325
Net operating income to assets	0.2322%	5,772
Return on assets (ROA)	0.2322%	5,833
Pretax return on assets	0.3521%	5,671
Return on Equity (ROE)	2.3325%	5,751
Retained earnings to average equity (ytd only)	2.3325%	4,887
Net charge-offs to loans	0.0000%	4,696
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	87.3318%	1,066
Assets per employee ($millions)	4.6780%	2,700
Cash dividends to net income (ytd only)*	0.0000%	3,806
Condition Ratios (%)
Loss allowance to loans	1.1505%	4,498
Loan loss allowance to noncurrent loans	1,903.7037%	316
Noncurrent assets plus other real estate owned to assets	0.0481%	5,967
Noncurrent loans to loans	0.0604%	5,774
Net loans and leases to total assets	78.6719%	872
Net loans and leases to deposits	95.5027%	922
Net loans and leases to core deposits	99.6900%	1,395
Total domestic deposits to total assets	82.3766%	4,350
Equity capital to assets	9.5625%	4,717
Core capital (leverage) ratio	9.0846%	4,953
Tier 1 risk-based capital ratio	13.0344%	4,846
Total risk-based capital ratio	14.2851%	4,768
Memoranda:
Average total assets	$160,174,500	3,516
Average earning assets	$149,468,500	3,478
Average equity	$15,948,000	3,695
Average total loans	$128,402,250	2,903
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4007%	2,172
Cost of funding earning assets	0.7646%	855
Net interest margin	3.6361%	3,206
Noninterest income to average assets	0.2033%	5,740
Noninterest expense to average assets	3.1913%	2,221
Loan and lease loss provision to assets	0.1207%	2,038
Net operating income to assets	0.1855%	5,876
Return on assets (ROA)	0.1855%	5,924
Pretax return on assets	0.2808%	5,817
Return on Equity (ROE)	1.8369%	5,880
Retained earnings to average equity (ytd only)	1.8369%	4,969
Net charge-offs to loans	0.0000%	4,375
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	88.8260%	1,009
Assets per employee ($millions)	4.5237%	2,888
Cash dividends to net income (ytd only)*	0.0000%	3,638
Condition Ratios (%)
Loss allowance to loans	1.1493%	4,665
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,288
Noncurrent loans to loans	0.0000%	6,120
Net loans and leases to total assets	79.9575%	690
Net loans and leases to deposits	97.7509%	684
Net loans and leases to core deposits	102.2248%	1,120
Total domestic deposits to total assets	81.7972%	4,717
Equity capital to assets	9.8069%	4,341
Core capital (leverage) ratio	9.2470%	4,672
Tier 1 risk-based capital ratio	13.0175%	4,898
Total risk-based capital ratio	14.2687%	4,833
Memoranda:
Average total assets	$157,430,330	3,572
Average earning assets	$146,750,000	3,544
Average equity	$15,896,000	3,708
Average total loans	$126,526,000	2,937
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3796%	2,227
Cost of funding earning assets	0.7549%	950
Net interest margin	3.6247%	3,162
Noninterest income to average assets	0.2249%	5,555
Noninterest expense to average assets	3.2549%	2,055
Loan and lease loss provision to assets	0.0620%	2,877
Net operating income to assets	0.1887%	5,830
Return on assets (ROA)	0.1887%	5,876
Pretax return on assets	0.2844%	5,753
Return on Equity (ROE)	1.8413%	5,829
Retained earnings to average equity (ytd only)	1.8413%	4,863
Net charge-offs to loans	0.0000%	3,660
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	90.3805%	996
Assets per employee ($millions)	4.3268%	3,291
Cash dividends to net income (ytd only)*	0.0000%	2,852
Condition Ratios (%)
Loss allowance to loans	1.1502%	4,873
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,361
Noncurrent loans to loans	0.0000%	6,210
Net loans and leases to total assets	79.6185%	593
Net loans and leases to deposits	98.1667%	532
Net loans and leases to core deposits	102.9212%	930
Total domestic deposits to total assets	81.1054%	5,202
Equity capital to assets	10.2045%	3,594
Core capital (leverage) ratio	9.6392%	4,083
Tier 1 risk-based capital ratio	13.3860%	4,776
Total risk-based capital ratio	14.6370%	4,704
Memoranda:
Average total assets	$154,718,500	3,637
Average earning assets	$144,123,500	3,618
Average equity	$15,858,500	3,727
Average total loans	$123,925,000	2,991
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4515%	2,391
Cost of funding earning assets	0.8349%	1,023
Net interest margin	3.6165%	3,389
Noninterest income to average assets	0.2005%	5,884
Noninterest expense to average assets	3.1877%	2,453
Loan and lease loss provision to assets	0.0049%	5,025
Net operating income to assets	1.2876%	1,280
Return on assets (ROA)	1.2876%	1,333
Pretax return on assets	0.4156%	5,458
Return on Equity (ROE)	12.7616%	1,218
Retained earnings to average equity (ytd only)	12.7616%	255
Net charge-offs to loans	0.0000%	5,475
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	88.3484%	1,176
Assets per employee ($millions)	4.2687%	3,317
Cash dividends to net income (ytd only)*	0.0000%	4,285
Condition Ratios (%)
Loss allowance to loans	1.1594%	4,867
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,461
Noncurrent loans to loans	0.0000%	6,319
Net loans and leases to total assets	78.7197%	742
Net loans and leases to deposits	97.2952%	639
Net loans and leases to core deposits	102.0878%	1,019
Total domestic deposits to total assets	80.9082%	5,209
Equity capital to assets	10.2959%	3,396
Core capital (leverage) ratio	9.6363%	4,072
Tier 1 risk-based capital ratio	13.5013%	4,651
Total risk-based capital ratio	14.7070%	4,616
Memoranda:
Average total assets	$144,146,000	3,808
Average earning assets	$135,820,400	3,723
Average equity	$14,543,600	3,956
Average total loans	$116,722,000	3,115
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4575%	2,392
Cost of funding earning assets	0.8551%	1,024
Net interest margin	3.6025%	3,435
Noninterest income to average assets	0.1825%	6,100
Noninterest expense to average assets	3.1121%	2,614
Loan and lease loss provision to assets	-0.0113%	6,469
Net operating income to assets	0.4703%	4,929
Return on assets (ROA)	0.4703%	5,078
Pretax return on assets	0.4853%	5,397
Return on Equity (ROE)	4.6868%	4,883
Retained earnings to average equity (ytd only)	4.6868%	3,327
Net charge-offs to loans	0.0000%	5,212
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	86.7821%	1,288
Assets per employee ($millions)	4.1815%	3,462
Cash dividends to net income (ytd only)*	0.0000%	3,738
Condition Ratios (%)
Loss allowance to loans	1.1856%	4,931
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,542
Noncurrent loans to loans	0.0000%	6,405
Net loans and leases to total assets	79.7296%	579
Net loans and leases to deposits	98.5440%	534
Net loans and leases to core deposits	103.3562%	914
Total domestic deposits to total assets	80.9075%	5,237
Equity capital to assets	9.8845%	4,076
Core capital (leverage) ratio	10.1262%	3,493
Tier 1 risk-based capital ratio	14.1632%	4,311
Total risk-based capital ratio	15.4184%	4,256
Memoranda:
Average total assets	$141,764,250	3,891
Average earning assets	$133,942,000	3,793
Average equity	$14,224,000	4,074
Average total loans	$115,305,000	3,160
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4507%	2,383
Cost of funding earning assets	0.8639%	1,068
Net interest margin	3.5867%	3,424
Noninterest income to average assets	0.1711%	6,188
Noninterest expense to average assets	3.0178%	2,946
Loan and lease loss provision to assets	0.0029%	4,750
Net operating income to assets	0.5248%	4,692
Return on assets (ROA)	0.5248%	4,859
Pretax return on assets	0.5491%	5,203
Return on Equity (ROE)	5.2039%	4,616
Retained earnings to average equity (ytd only)	5.2039%	2,924
Net charge-offs to loans	0.0000%	4,909
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	84.5386%	1,574
Assets per employee ($millions)	4.5422%	2,756
Cash dividends to net income (ytd only)*	0.0000%	3,522
Condition Ratios (%)
Loss allowance to loans	1.2234%	4,870
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,597
Noncurrent loans to loans	0.0000%	6,469
Net loans and leases to total assets	81.0779%	431
Net loans and leases to deposits	101.0202%	376
Net loans and leases to core deposits	106.3533%	726
Total domestic deposits to total assets	80.2591%	5,546
Equity capital to assets	10.1797%	3,686
Core capital (leverage) ratio	10.3302%	3,067
Tier 1 risk-based capital ratio	14.4921%	4,100
Total risk-based capital ratio	15.7448%	4,065
Memoranda:
Average total assets	$140,235,330	3,945
Average earning assets	$132,879,330	3,850
Average equity	$14,143,330	4,121
Average total loans	$114,378,330	3,181
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4192%	2,454
Cost of funding earning assets	0.8778%	1,097
Net interest margin	3.5413%	3,514
Noninterest income to average assets	0.1572%	6,323
Noninterest expense to average assets	2.9497%	3,162
Loan and lease loss provision to assets	-0.0286%	6,765
Net operating income to assets	0.6117%	4,164
Return on assets (ROA)	0.6117%	4,325
Pretax return on assets	0.6031%	4,934
Return on Equity (ROE)	6.0934%	3,988
Retained earnings to average equity (ytd only)	6.0934%	2,627
Net charge-offs to loans	0.0000%	4,145
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	83.6983%	1,807
Assets per employee ($millions)	5.1834%	1,995
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	1.2351%	5,023
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,664
Noncurrent loans to loans	0.0000%	6,535
Net loans and leases to total assets	80.1068%	412
Net loans and leases to deposits	100.7232%	325
Net loans and leases to core deposits	105.6326%	653
Total domestic deposits to total assets	79.5316%	5,864
Equity capital to assets	10.1142%	3,996
Core capital (leverage) ratio	10.1569%	3,202
Tier 1 risk-based capital ratio	14.6101%	4,101
Total risk-based capital ratio	15.8621%	4,063
Memoranda:
Average total assets	$139,948,500	3,987
Average earning assets	$133,057,000	3,880
Average equity	$14,048,000	4,187
Average total loans	$113,778,000	3,211
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6129%	2,949
Cost of funding earning assets	1.0007%	1,353
Net interest margin	3.6121%	4,036
Noninterest income to average assets	0.1892%	6,052
Noninterest expense to average assets	3.0477%	3,101
Loan and lease loss provision to assets	0.2144%	2,997
Net operating income to assets	0.6368%	4,052
Return on assets (ROA)	0.6368%	4,319
Pretax return on assets	0.3807%	5,625
Return on Equity (ROE)	7.1310%	3,564
Retained earnings to average equity (ytd only)	7.1310%	1,507
Net charge-offs to loans	0.0019%	5,965
Credit loss provision to net charge-offs	13,600.0000%	16
Earnings coverage of net charge-offs (x)	377.5000%	109
Efficiency ratio	83.6651%	1,666
Assets per employee ($millions)	5.1831%	2,012
Cash dividends to net income (ytd only)*	0.0000%	4,298
Condition Ratios (%)
Loss allowance to loans	1.2381%	4,940
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,725
Noncurrent loans to loans	0.0000%	6,599
Net loans and leases to total assets	80.4823%	427
Net loans and leases to deposits	100.9990%	374
Net loans and leases to core deposits	105.6606%	706
Total domestic deposits to total assets	79.6863%	5,746
Equity capital to assets	9.9618%	4,220
Core capital (leverage) ratio	10.1162%	3,251
Tier 1 risk-based capital ratio	14.5869%	3,968
Total risk-based capital ratio	15.8394%	3,925
Memoranda:
Average total assets	$126,883,000	4,214
Average earning assets	$121,313,000	4,082
Average equity	$11,330,800	4,701
Average total loans	$103,788,400	3,437
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6057%	3,178
Cost of funding earning assets	1.0272%	1,410
Net interest margin	3.5784%	4,327
Noninterest income to average assets	0.2038%	6,071
Noninterest expense to average assets	3.0588%	3,025
Loan and lease loss provision to assets	0.2438%	2,615
Net operating income to assets	0.7830%	3,538
Return on assets (ROA)	0.7830%	3,781
Pretax return on assets	0.3279%	5,899
Return on Equity (ROE)	9.0650%	2,772
Retained earnings to average equity (ytd only)	9.0650%	1,207
Net charge-offs to loans	0.0053%	5,677
Credit loss provision to net charge-offs	5,650.0000%	49
Earnings coverage of net charge-offs (x)	132.5797%	331
Efficiency ratio	84.2543%	1,564
Assets per employee ($millions)	4.8006%	2,442
Cash dividends to net income (ytd only)*	0.0000%	3,713
Condition Ratios (%)
Loss allowance to loans	1.2473%	5,057
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,825
Noncurrent loans to loans	0.0000%	6,696
Net loans and leases to total assets	80.3401%	480
Net loans and leases to deposits	101.7737%	363
Net loans and leases to core deposits	107.2457%	681
Total domestic deposits to total assets	78.9400%	5,881
Equity capital to assets	10.3336%	4,039
Core capital (leverage) ratio	10.7653%	2,642
Tier 1 risk-based capital ratio	15.4727%	3,556
Total risk-based capital ratio	16.7259%	3,513
Memoranda:
Average total assets	$123,617,500	4,318
Average earning assets	$118,373,250	4,189
Average equity	$10,678,250	4,872
Average total loans	$101,224,750	3,533
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6208%	3,274
Cost of funding earning assets	1.0634%	1,392
Net interest margin	3.5574%	4,429
Noninterest income to average assets	0.2016%	6,113
Noninterest expense to average assets	3.0929%	2,949
Loan and lease loss provision to assets	0.2366%	2,705
Net operating income to assets	0.7199%	3,755
Return on assets (ROA)	0.7199%	4,028
Pretax return on assets	0.2783%	5,995
Return on Equity (ROE)	8.9928%	2,817
Retained earnings to average equity (ytd only)	8.9928%	1,279
Net charge-offs to loans	0.0081%	5,356
Credit loss provision to net charge-offs	3,550.0000%	84
Earnings coverage of net charge-offs (x)	77.2500%	528
Efficiency ratio	85.7275%	1,458
Assets per employee ($millions)	4.3935%	3,098
Cash dividends to net income (ytd only)*	0.0000%	3,523
Condition Ratios (%)
Loss allowance to loans	1.2427%	5,153
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,881
Noncurrent loans to loans	0.0000%	6,740
Net loans and leases to total assets	82.6863%	291
Net loans and leases to deposits	98.1256%	520
Net loans and leases to core deposits	103.2754%	901
Total domestic deposits to total assets	84.2657%	4,210
Equity capital to assets	8.0322%	6,549
Core capital (leverage) ratio	8.1240%	6,133
Tier 1 risk-based capital ratio	11.3951%	6,283
Total risk-based capital ratio	12.6475%	6,255
Memoranda:
Average total assets	$120,018,000	4,422
Average earning assets	$114,915,330	4,292
Average equity	$9,607,670	5,134
Average total loans	$98,515,000	3,611
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5880%	3,563
Cost of funding earning assets	1.0653%	1,593
Net interest margin	3.5227%	4,589
Noninterest income to average assets	0.2228%	6,023
Noninterest expense to average assets	3.1286%	2,823
Loan and lease loss provision to assets	0.3274%	1,910
Net operating income to assets	0.1485%	6,122
Return on assets (ROA)	0.1485%	6,251
Pretax return on assets	0.1485%	6,299
Return on Equity (ROE)	1.8583%	6,113
Retained earnings to average equity (ytd only)	1.8583%	5,316
Net charge-offs to loans	0.0000%	4,730
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	86.7978%	1,400
Assets per employee ($millions)	4.3244%	3,347
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	1.2398%	5,316
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,966
Noncurrent loans to loans	0.0000%	6,812
Net loans and leases to total assets	81.5125%	304
Net loans and leases to deposits	96.6367%	502
Net loans and leases to core deposits	101.4629%	890
Total domestic deposits to total assets	84.3494%	4,346
Equity capital to assets	7.8401%	6,619
Core capital (leverage) ratio	8.1766%	6,060
Tier 1 risk-based capital ratio	11.2480%	6,417
Total risk-based capital ratio	12.5004%	6,398
Memoranda:
Average total assets	$118,518,000	4,486
Average earning assets	$113,775,000	4,340
Average equity	$9,471,000	5,177
Average total loans	$96,273,000	3,679
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6748%	4,353
Cost of funding earning assets	1.1902%	2,091
Net interest margin	3.4846%	5,205
Noninterest income to average assets	0.1769%	6,228
Noninterest expense to average assets	3.7944%	1,356
Loan and lease loss provision to assets	0.2764%	3,455
Net operating income to assets	-0.5693%	6,534
Return on assets (ROA)	-0.5693%	6,578
Pretax return on assets	-0.5693%	6,536
Return on Equity (ROE)	-6.6036%	6,611
Retained earnings to average equity (ytd only)	-6.6036%	6,547
Net charge-offs to loans	0.0061%	6,345
Credit loss provision to net charge-offs	5,720.0000%	43
Earnings coverage of net charge-offs (x)	-60.6000%	6,429
Efficiency ratio	108.3632%	464
Assets per employee ($millions)	4.2946%	3,262
Cash dividends to net income (ytd only)*	0.0000%	4,078
Condition Ratios (%)
Loss allowance to loans	1.2331%	5,250
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,026
Noncurrent loans to loans	0.0000%	6,879
Net loans and leases to total assets	78.8830%	621
Net loans and leases to deposits	89.7220%	1,193
Net loans and leases to core deposits	93.9646%	1,702
Total domestic deposits to total assets	87.9193%	2,210
Equity capital to assets	8.1489%	6,485
Core capital (leverage) ratio	8.3092%	5,841
Tier 1 risk-based capital ratio	12.0274%	5,820
Total risk-based capital ratio	13.2800%	5,795
Memoranda:
Average total assets	$103,468,600	4,805
Average earning assets	$98,720,000	4,668
Average equity	$8,919,400	5,301
Average total loans	$81,473,000	4,094
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6752%	4,568
Cost of funding earning assets	1.1991%	2,322
Net interest margin	3.4761%	5,291
Noninterest income to average assets	0.1462%	6,524
Noninterest expense to average assets	4.1654%	824
Loan and lease loss provision to assets	0.3162%	3,006
Net operating income to assets	-1.0231%	6,893
Return on assets (ROA)	-1.0231%	6,922
Pretax return on assets	-1.0231%	6,885
Return on Equity (ROE)	-11.6836%	6,941
Retained earnings to average equity (ytd only)	-11.6836%	6,907
Net charge-offs to loans	0.0000%	6,185
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	120.4380%	304
Assets per employee ($millions)	3.9823%	3,888
Cash dividends to net income (ytd only)*	0.0000%	3,512
Condition Ratios (%)
Loss allowance to loans	1.2359%	5,322
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,097
Noncurrent loans to loans	0.0000%	6,971
Net loans and leases to total assets	78.7631%	629
Net loans and leases to deposits	89.3456%	1,283
Net loans and leases to core deposits	93.7299%	1,816
Total domestic deposits to total assets	88.1556%	1,949
Equity capital to assets	7.8266%	6,790
Core capital (leverage) ratio	8.0452%	6,349
Tier 1 risk-based capital ratio	11.5913%	6,177
Total risk-based capital ratio	12.8438%	6,166
Memoranda:
Average total assets	$100,347,250	4,921
Average earning assets	$95,622,500	4,793
Average equity	$8,787,000	5,363
Average total loans	$78,688,750	4,217
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6873%	4,589
Cost of funding earning assets	1.2001%	2,586
Net interest margin	3.4872%	5,218
Noninterest income to average assets	0.1283%	6,684
Noninterest expense to average assets	4.5784%	548
Loan and lease loss provision to assets	0.3187%	2,878
Net operating income to assets	-1.4489%	7,080
Return on assets (ROA)	-1.4489%	7,095
Pretax return on assets	-1.4489%	7,048
Return on Equity (ROE)	-15.8964%	7,084
Retained earnings to average equity (ytd only)	-15.8964%	7,059
Net charge-offs to loans	0.0000%	5,875
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	132.7731%	237
Assets per employee ($millions)	3.6951%	4,458
Cash dividends to net income (ytd only)*	0.0000%	3,290
Condition Ratios (%)
Loss allowance to loans	1.2235%	5,448
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,147
Noncurrent loans to loans	0.0000%	7,026
Net loans and leases to total assets	79.2805%	613
Net loans and leases to deposits	90.7126%	1,193
Net loans and leases to core deposits	94.5719%	1,841
Total domestic deposits to total assets	87.3974%	2,522
Equity capital to assets	8.2290%	6,493
Core capital (leverage) ratio	8.6364%	5,333
Tier 1 risk-based capital ratio	11.4268%	6,226
Total risk-based capital ratio	12.6777%	6,216
Memoranda:
Average total assets	$96,628,330	5,056
Average earning assets	$91,993,670	4,937
Average equity	$8,807,000	5,377
Average total loans	$75,277,330	4,376
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7033%	4,512
Cost of funding earning assets	1.1961%	2,843
Net interest margin	3.5071%	4,979
Noninterest income to average assets	0.0987%	6,923
Noninterest expense to average assets	3.7935%	1,347
Loan and lease loss provision to assets	0.2961%	2,789
Net operating income to assets	-0.6566%	6,897
Return on assets (ROA)	-0.6566%	6,899
Pretax return on assets	-0.6566%	6,849
Return on Equity (ROE)	-6.8353%	6,910
Retained earnings to average equity (ytd only)	-6.8353%	6,666
Net charge-offs to loans	0.0000%	5,107
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	110.5000%	493
Assets per employee ($millions)	3.4544%	5,108
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	1.2699%	5,295
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,222
Noncurrent loans to loans	0.0000%	7,094
Net loans and leases to total assets	77.6043%	781
Net loans and leases to deposits	86.1872%	1,700
Net loans and leases to core deposits	89.1248%	2,469
Total domestic deposits to total assets	90.0416%	1,130
Equity capital to assets	9.5177%	4,403
Core capital (leverage) ratio	9.5479%	3,729
Tier 1 risk-based capital ratio	12.9465%	4,863
Total risk-based capital ratio	14.1978%	4,852
Memoranda:
Average total assets	$93,211,000	5,197
Average earning assets	$88,619,500	5,069
Average equity	$8,953,500	5,347
Average total loans	$71,395,000	4,563
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2395%	6,875
Cost of funding earning assets	1.4881%	2,716
Net interest margin	2.7514%	7,083
Noninterest income to average assets	0.1044%	6,874
Noninterest expense to average assets	4.1564%	954
Loan and lease loss provision to assets	0.5810%	2,810
Net operating income to assets	-2.0474%	7,070
Return on assets (ROA)	-2.0474%	7,081
Pretax return on assets	-2.0474%	7,041
Return on Equity (ROE)	-16.6534%	6,968
Retained earnings to average equity (ytd only)	-16.6534%	6,936
Net charge-offs to loans	0.0000%	6,850
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	154.5115%	193
Assets per employee ($millions)	3.4501%	5,053
Cash dividends to net income (ytd only)*	0.0000%	3,950
Condition Ratios (%)
Loss allowance to loans	1.2407%	5,325
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,281
Noncurrent loans to loans	0.0000%	7,175
Net loans and leases to total assets	73.6597%	1,734
Net loans and leases to deposits	82.0277%	2,798
Net loans and leases to core deposits	84.3044%	3,553
Total domestic deposits to total assets	89.7986%	1,210
Equity capital to assets	9.6936%	4,147
Core capital (leverage) ratio	9.6869%	3,444
Tier 1 risk-based capital ratio	13.8304%	3,975
Total risk-based capital ratio	15.0817%	3,956
Memoranda:
Average total assets	$79,515,400	5,608
Average earning assets	$74,726,400	5,520
Average equity	$9,775,800	5,194
Average total loans	$51,326,400	5,432
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1362%	7,164
Cost of funding earning assets	1.5565%	2,630
Net interest margin	2.5797%	7,329
Noninterest income to average assets	0.0964%	7,062
Noninterest expense to average assets	4.2379%	787
Loan and lease loss provision to assets	0.6412%	2,384
Net operating income to assets	-2.3668%	7,317
Return on assets (ROA)	-2.3668%	7,331
Pretax return on assets	-2.3668%	7,287
Return on Equity (ROE)	-18.0812%	7,185
Retained earnings to average equity (ytd only)	-18.0812%	7,166
Net charge-offs to loans	0.0000%	6,671
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	168.6890%	140
Assets per employee ($millions)	3.4100%	5,182
Cash dividends to net income (ytd only)*	0.0000%	3,526
Condition Ratios (%)
Loss allowance to loans	1.2816%	5,054
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,384
Noncurrent loans to loans	0.0000%	7,276
Net loans and leases to total assets	66.5475%	3,560
Net loans and leases to deposits	75.8377%	4,202
Net loans and leases to core deposits	81.6160%	4,298
Total domestic deposits to total assets	87.7498%	2,131
Equity capital to assets	10.4974%	3,520
Core capital (leverage) ratio	11.0397%	2,231
Tier 1 risk-based capital ratio	15.9042%	2,806
Total risk-based capital ratio	17.1551%	2,752
Memoranda:
Average total assets	$76,105,750	5,768
Average earning assets	$71,271,250	5,690
Average equity	$9,962,250	5,204
Average total loans	$46,788,250	5,683
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0149%	7,352
Cost of funding earning assets	1.5761%	2,796
Net interest margin	2.4388%	7,453
Noninterest income to average assets	0.0973%	7,106
Noninterest expense to average assets	4.2825%	738
Loan and lease loss provision to assets	0.7675%	1,872
Net operating income to assets	-2.6807%	7,457
Return on assets (ROA)	-2.6807%	7,467
Pretax return on assets	-2.6807%	7,411
Return on Equity (ROE)	-18.9378%	7,256
Retained earnings to average equity (ytd only)	-18.9378%	7,231
Net charge-offs to loans	0.0000%	6,371
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	180.7512%	126
Assets per employee ($millions)	3.2009%	5,685
Cash dividends to net income (ytd only)*	0.0000%	3,319
Condition Ratios (%)
Loss allowance to loans	1.2840%	5,013
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,438
Noncurrent loans to loans	0.0000%	7,347
Net loans and leases to total assets	64.9446%	4,052
Net loans and leases to deposits	75.2153%	4,484
Net loans and leases to core deposits	80.4925%	4,634
Total domestic deposits to total assets	86.3450%	2,909
Equity capital to assets	12.1142%	2,034
Core capital (leverage) ratio	12.5955%	1,368
Tier 1 risk-based capital ratio	18.3821%	1,863
Total risk-based capital ratio	19.6318%	1,833
Memoranda:
Average total assets	$71,921,000	5,924
Average earning assets	$66,999,670	5,862
Average equity	$10,180,670	5,149
Average total loans	$42,462,000	5,932
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7361%	7,618
Cost of funding earning assets	1.5403%	3,326
Net interest margin	2.1958%	7,652
Noninterest income to average assets	0.0884%	7,264
Noninterest expense to average assets	4.1255%	875
Loan and lease loss provision to assets	0.7544%	1,684
Net operating income to assets	-2.7582%	7,601
Return on assets (ROA)	-2.7582%	7,603
Pretax return on assets	-2.7582%	7,558
Return on Equity (ROE)	-17.9586%	7,393
Retained earnings to average equity (ytd only)	-17.9586%	7,310
Net charge-offs to loans	0.0000%	5,609
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	194.4444%	101
Assets per employee ($millions)	3.1276%	5,929
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	1.2425%	5,264
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,514
Noncurrent loans to loans	0.0000%	7,426
Net loans and leases to total assets	55.9111%	5,754
Net loans and leases to deposits	65.0193%	5,942
Net loans and leases to core deposits	68.8068%	6,021
Total domestic deposits to total assets	85.9916%	3,155
Equity capital to assets	13.5754%	1,293
Core capital (leverage) ratio	15.1809%	715
Tier 1 risk-based capital ratio	22.7095%	1,116
Total risk-based capital ratio	23.8863%	1,102
Memoranda:
Average total assets	$67,870,500	6,112
Average earning assets	$62,846,000	6,055
Average equity	$10,424,000	5,125
Average total loans	$37,370,000	6,242
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	1.7844%	7,937
Cost of funding earning assets	0.7964%	7,556
Net interest margin	0.9880%	7,933
Noninterest income to average assets	0.0560%	7,478
Noninterest expense to average assets	4.2910%	999
Loan and lease loss provision to assets	0.9736%	2,319
Net operating income to assets	-4.3299%	7,657
Return on assets (ROA)	-4.3299%	7,656
Pretax return on assets	-4.3299%	7,606
Return on Equity (ROE)	-15.4423%	6,959
Retained earnings to average equity (ytd only)	-15.4423%	6,907
Net charge-offs to loans	0.0000%	7,246
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	459.1146%	36
Assets per employee ($millions)	2.5283%	7,152
Cash dividends to net income (ytd only)*	0.0000%	4,015
Condition Ratios (%)
Loss allowance to loans	1.2405%	5,119
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,553
Noncurrent loans to loans	0.0000%	7,460
Net loans and leases to total assets	52.4794%	6,365
Net loans and leases to deposits	64.1731%	6,241
Net loans and leases to core deposits	75.7217%	6,420
Total domestic deposits to total assets	81.7779%	5,045
Equity capital to assets	17.5646%	492
Core capital (leverage) ratio	20.0199%	279
Tier 1 risk-based capital ratio	29.6097%	548
Total risk-based capital ratio	30.7209%	541
Memoranda:
Average total assets	$41,086,000	7,047
Average earning assets	$36,539,670	7,072
Average equity	$11,520,330	4,872
Average total loans	$19,590,000	7,220
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	1.1794%	8,059
Cost of funding earning assets	0.4977%	7,942
Net interest margin	0.6818%	8,043
Noninterest income to average assets	0.0554%	7,624
Noninterest expense to average assets	3.7370%	1,731
Loan and lease loss provision to assets	0.6221%	2,905
Net operating income to assets	-3.7200%	7,717
Return on assets (ROA)	-3.7200%	7,715
Pretax return on assets	-3.7200%	7,644
Return on Equity (ROE)	-9.7391%	6,880
Retained earnings to average equity (ytd only)	-9.7391%	6,783
Net charge-offs to loans	0.0000%	6,987
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	584.6667%	23
Assets per employee ($millions)	1.7598%	7,917
Cash dividends to net income (ytd only)*	0.0000%	3,688
Condition Ratios (%)
Loss allowance to loans	0.7526%	7,256
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,619
Noncurrent loans to loans	0.0000%	7,541
Net loans and leases to total assets	43.7608%	7,260
Net loans and leases to deposits	59.6493%	6,856
Net loans and leases to core deposits	65.2578%	7,196
Total domestic deposits to total assets	73.3635%	7,040
Equity capital to assets	26.3297%	159
Core capital (leverage) ratio	35.7674%	90
Tier 1 risk-based capital ratio	55.3834%	138
Total risk-based capital ratio	56.0815%	137
Memoranda:
Average total assets	$31,289,500	7,491
Average earning assets	$26,791,500	7,539
Average equity	$11,951,500	4,809
Average total loans	$13,263,000	7,608
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	0.3739%	8,174
Cost of funding earning assets	0.0575%	8,156
Net interest margin	0.3164%	8,151
Noninterest income to average assets	0.0215%	7,861
Noninterest expense to average assets	1.3884%	8,016
Loan and lease loss provision to assets	0.5704%	2,730
Net operating income to assets	-1.7005%	7,324
Return on assets (ROA)	-1.7005%	7,321
Pretax return on assets	-1.7005%	7,171
Return on Equity (ROE)	-2.5651%	6,306
Retained earnings to average equity (ytd only)	-2.5651%	5,883
Net charge-offs to loans	0.0000%	6,628
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	537.5000%	34
Assets per employee ($millions)	0.7743%	8,144
Cash dividends to net income (ytd only)*	0.0000%	3,532
Condition Ratios (%)
Loss allowance to loans	0.7437%	7,319
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,675
Noncurrent loans to loans	0.0000%	7,580
Net loans and leases to total assets	38.0671%	7,633
Net loans and leases to deposits	114.1704%	392
Net loans and leases to core deposits	116.0433%	2,707
Total domestic deposits to total assets	33.3423%	8,116
Equity capital to assets	66.2918%	43
Core capital (leverage) ratio	305.9861%	1
Tier 1 risk-based capital ratio	104.0368%	64
Total risk-based capital ratio	104.4844%	65
Memoranda:
Average total assets	$18,583,000	7,974
Average earning assets	$13,907,000	8,041
Average equity	$12,319,000	4,732
Average total loans	$7,127,000	7,986