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Ozark 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	5.7287%	1,608
Cost of funding earning assets	2.0986%	1,662
Net interest margin	3.6300%	2,016
Noninterest income to average assets	0.3500%	2,536
Noninterest expense to average assets	2.3110%	2,820
Loan and lease loss provision to assets	0.0500%	1,971
Net operating income to assets	1.4554%	1,169
Return on assets (ROA)	1.4554%	1,166
Pretax return on assets	1.4565%	1,610
Return on Equity (ROE)	21.6600%	331
Retained earnings to average equity (ytd only)	9.2033%	1,392
Net charge-offs to loans	-0.0016%	3,521
Credit loss provision to net charge-offs	0.0000%	1,760
Earnings coverage of net charge-offs (x)	0.0000%	2,230
Efficiency ratio	60.5468%	2,898
Assets per employee ($millions)	6.8974%	2,290
Cash dividends to net income (ytd only)*	57.5094%	1,049
Condition Ratios (%)
Loss allowance to loans	1.1587%	2,423
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	73.5900%	1,392
Net loans and leases to deposits	84.9626%	1,597
Net loans and leases to core deposits	90.7659%	1,996
Total domestic deposits to total assets	86.6100%	2,085
Equity capital to assets	7.3054%	3,921
Core capital (leverage) ratio	8.5744%	4,043
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.2361%	1,769
Memoranda:
Average total assets	$364,171,500	2,194
Average earning assets	$347,654,000	2,154
Average equity	$24,469,500	2,730
Average total loans	$254,805,500	2,093
2024-12-31		Rank
Percentage of unprofitable institutions	0.0000%	319
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4844%	2,168
Cost of funding earning assets	2.2400%	1,643
Net interest margin	3.2443%	2,629
Noninterest income to average assets	0.3500%	2,750
Noninterest expense to average assets	2.2119%	3,094
Loan and lease loss provision to assets	0.0700%	1,825
Net operating income to assets	1.1477%	1,624
Return on assets (ROA)	1.1477%	1,632
Pretax return on assets	1.1502%	2,110
Return on Equity (ROE)	17.9600%	574
Retained earnings to average equity (ytd only)	3.9677%	2,645
Net charge-offs to loans	0.0000%	3,099
Credit loss provision to net charge-offs	0.0000%	2,577
Earnings coverage of net charge-offs (x)	0.0000%	2,991
Efficiency ratio	64.5321%	2,668
Assets per employee ($millions)	7.3745%	1,920
Cash dividends to net income (ytd only)*	77.9020%	613
Condition Ratios (%)
Loss allowance to loans	1.1584%	2,379
Loan loss allowance to noncurrent loans	0.0000%	3,770
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	65.1700%	2,449
Net loans and leases to deposits	70.2133%	2,936
Net loans and leases to core deposits	73.4635%	3,184
Total domestic deposits to total assets	92.8200%	184
Equity capital to assets	6.1921%	4,164
Core capital (leverage) ratio	8.5953%	4,021
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.6658%	1,981
Memoranda:
Average total assets	$366,292,600	2,165
Average earning assets	$347,805,000	2,123
Average equity	$23,413,800	2,735
Average total loans	$242,612,400	2,124
2024-09-30		Rank
Percentage of unprofitable institutions	0.0000%	305
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5033%	2,079
Cost of funding earning assets	2.3120%	1,516
Net interest margin	3.1913%	2,709
Noninterest income to average assets	0.3500%	2,719
Noninterest expense to average assets	2.2342%	2,984
Loan and lease loss provision to assets	0.0700%	1,666
Net operating income to assets	1.0729%	1,845
Return on assets (ROA)	1.0729%	1,845
Pretax return on assets	1.0762%	2,319
Return on Equity (ROE)	16.6500%	732
Retained earnings to average equity (ytd only)	6.6462%	1,861
Net charge-offs to loans	-0.0017%	3,671
Credit loss provision to net charge-offs	0.0000%	2,285
Earnings coverage of net charge-offs (x)	0.0000%	2,734
Efficiency ratio	66.1649%	2,466
Assets per employee ($millions)	6.9198%	2,198
Cash dividends to net income (ytd only)*	60.0755%	996
Condition Ratios (%)
Loss allowance to loans	1.1878%	2,276
Loan loss allowance to noncurrent loans	0.0000%	3,813
Noncurrent assets plus other real estate owned to assets	0.0000%	3,861
Noncurrent loans to loans	0.0000%	3,830
Net loans and leases to total assets	67.8200%	2,101
Net loans and leases to deposits	81.7807%	2,002
Net loans and leases to core deposits	86.6104%	2,374
Total domestic deposits to total assets	82.9300%	2,870
Equity capital to assets	7.2311%	4,066
Core capital (leverage) ratio	8.9509%	3,785
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.3708%	1,757
Memoranda:
Average total assets	$361,997,250	2,168
Average earning assets	$343,007,250	2,133
Average equity	$23,331,000	2,736
Average total loans	$240,052,750	2,125
2024-06-30		Rank
Percentage of unprofitable institutions	0.0000%	306
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4636%	2,038
Cost of funding earning assets	2.3420%	1,362
Net interest margin	3.1216%	2,812
Noninterest income to average assets	0.3400%	2,750
Noninterest expense to average assets	2.2119%	3,042
Loan and lease loss provision to assets	0.0700%	1,571
Net operating income to assets	1.0153%	1,948
Return on assets (ROA)	1.0153%	1,946
Pretax return on assets	1.0202%	2,418
Return on Equity (ROE)	16.4000%	782
Retained earnings to average equity (ytd only)	5.3359%	2,232
Net charge-offs to loans	-0.0025%	3,667
Credit loss provision to net charge-offs	0.0000%	2,036
Earnings coverage of net charge-offs (x)	0.0000%	2,538
Efficiency ratio	67.0709%	2,428
Assets per employee ($millions)	6.2190%	2,617
Cash dividends to net income (ytd only)*	67.4582%	932
Condition Ratios (%)
Loss allowance to loans	1.1829%	2,333
Loan loss allowance to noncurrent loans	0.0000%	3,808
Noncurrent assets plus other real estate owned to assets	0.0000%	3,854
Noncurrent loans to loans	0.0000%	3,821
Net loans and leases to total assets	66.4300%	2,295
Net loans and leases to deposits	79.8734%	2,222
Net loans and leases to core deposits	84.0772%	2,523
Total domestic deposits to total assets	83.1700%	2,836
Equity capital to assets	6.4889%	4,114
Core capital (leverage) ratio	8.5404%	4,077
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.3184%	1,771
Memoranda:
Average total assets	$365,027,000	2,146
Average earning assets	$345,338,667	2,118
Average equity	$22,601,667	2,747
Average total loans	$239,331,000	2,120
2024-03-31		Rank
Percentage of unprofitable institutions	0.0000%	11
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3827%	2,034
Cost of funding earning assets	2.3676%	1,219
Net interest margin	3.0151%	2,951
Noninterest income to average assets	0.3300%	2,750
Noninterest expense to average assets	2.1680%	3,145
Loan and lease loss provision to assets	0.0600%	1,561
Net operating income to assets	0.9441%	2,104
Return on assets (ROA)	0.9441%	2,119
Pretax return on assets	0.9441%	2,541
Return on Equity (ROE)	15.6100%	897
Retained earnings to average equity (ytd only)	2.2141%	3,179
Net charge-offs to loans	-0.0017%	3,499
Credit loss provision to net charge-offs	0.0000%	1,619
Earnings coverage of net charge-offs (x)	0.0000%	2,130
Efficiency ratio	68.2421%	2,352
Assets per employee ($millions)	6.7919%	2,214
Cash dividends to net income (ytd only)*	85.8124%	654
Condition Ratios (%)
Loss allowance to loans	1.2502%	2,002
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	65.3900%	2,318
Net loans and leases to deposits	79.5593%	2,100
Net loans and leases to core deposits	83.4481%	2,483
Total domestic deposits to total assets	82.1900%	3,153
Equity capital to assets	6.0693%	4,182
Core capital (leverage) ratio	8.2260%	4,234
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.6343%	2,019
Memoranda:
Average total assets	$370,298,000	2,140
Average earning assets	$349,044,500	2,117
Average equity	$22,401,500	2,769
Average total loans	$239,838,500	2,109
2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9653%	2,143
Cost of funding earning assets	1.7730%	1,298
Net interest margin	3.1923%	2,896
Noninterest income to average assets	0.3600%	2,733
Noninterest expense to average assets	2.2446%	2,996
Loan and lease loss provision to assets	0.0700%	1,699
Net operating income to assets	1.0777%	1,978
Return on assets (ROA)	1.0777%	1,953
Pretax return on assets	1.0777%	2,476
Return on Equity (ROE)	17.9500%	822
Retained earnings to average equity (ytd only)	4.8935%	2,635
Net charge-offs to loans	-0.0004%	3,543
Credit loss provision to net charge-offs	0.0000%	2,397
Earnings coverage of net charge-offs (x)	0.0000%	2,831
Efficiency ratio	66.1987%	2,330
Assets per employee ($millions)	6.9229%	2,122
Cash dividends to net income (ytd only)*	72.7321%	768
Condition Ratios (%)
Loss allowance to loans	1.2562%	1,984
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	62.5500%	2,619
Net loans and leases to deposits	66.8233%	3,123
Net loans and leases to core deposits	69.7691%	3,319
Total domestic deposits to total assets	93.6100%	130
Equity capital to assets	6.0302%	4,230
Core capital (leverage) ratio	8.4762%	4,121
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.9707%	1,540
Memoranda:
Average total assets	$350,846,000	2,194
Average earning assets	$332,829,000	2,166
Average equity	$21,068,600	2,769
Average total loans	$225,698,600	2,129
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8887%	2,088
Cost of funding earning assets	1.6402%	1,303
Net interest margin	3.2484%	2,807
Noninterest income to average assets	0.3700%	2,673
Noninterest expense to average assets	2.2571%	2,926
Loan and lease loss provision to assets	0.0700%	1,559
Net operating income to assets	1.1355%	1,952
Return on assets (ROA)	1.1355%	1,930
Pretax return on assets	1.1355%	2,470
Return on Equity (ROE)	18.9300%	826
Retained earnings to average equity (ytd only)	9.2687%	1,614
Net charge-offs to loans	0.0000%	2,666
Credit loss provision to net charge-offs	0.0000%	2,098
Earnings coverage of net charge-offs (x)	0.0000%	2,572
Efficiency ratio	65.1936%	2,367
Assets per employee ($millions)	6.1395%	2,621
Cash dividends to net income (ytd only)*	51.0378%	1,215
Condition Ratios (%)
Loss allowance to loans	1.2544%	2,080
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	70.4900%	1,770
Net loans and leases to deposits	80.8556%	1,982
Net loans and leases to core deposits	83.7221%	2,344
Total domestic deposits to total assets	87.1800%	1,832
Equity capital to assets	6.2780%	3,902
Core capital (leverage) ratio	8.8582%	3,900
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.7762%	1,639
Memoranda:
Average total assets	$345,098,750	2,221
Average earning assets	$328,805,250	2,188
Average equity	$20,700,000	2,790
Average total loans	$222,916,500	2,143
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6781%	2,252
Cost of funding earning assets	1.4792%	1,284
Net interest margin	3.1989%	2,999
Noninterest income to average assets	0.3600%	2,698
Noninterest expense to average assets	2.2038%	3,063
Loan and lease loss provision to assets	0.0700%	1,542
Net operating income to assets	1.1323%	2,029
Return on assets (ROA)	1.1323%	2,025
Pretax return on assets	1.1323%	2,558
Return on Equity (ROE)	19.1500%	814
Retained earnings to average equity (ytd only)	9.5331%	1,530
Net charge-offs to loans	0.0000%	2,455
Credit loss provision to net charge-offs	0.0000%	1,862
Earnings coverage of net charge-offs (x)	0.0000%	2,403
Efficiency ratio	64.7344%	2,404
Assets per employee ($millions)	6.0847%	2,640
Cash dividends to net income (ytd only)*	50.2260%	1,281
Condition Ratios (%)
Loss allowance to loans	1.2593%	2,132
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	68.1100%	1,948
Net loans and leases to deposits	76.8662%	2,228
Net loans and leases to core deposits	78.9748%	2,543
Total domestic deposits to total assets	88.6000%	1,377
Equity capital to assets	6.5194%	3,990
Core capital (leverage) ratio	8.7369%	3,980
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.6272%	1,685
Memoranda:
Average total assets	$351,667,667	2,199
Average earning assets	$335,051,667	2,162
Average equity	$20,790,667	2,791
Average total loans	$219,790,333	2,153
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4364%	2,449
Cost of funding earning assets	1.3657%	1,104
Net interest margin	3.0708%	3,420
Noninterest income to average assets	0.3300%	2,854
Noninterest expense to average assets	2.1133%	3,349
Loan and lease loss provision to assets	0.0700%	1,437
Net operating income to assets	1.0804%	2,282
Return on assets (ROA)	1.0804%	2,256
Pretax return on assets	1.0804%	2,765
Return on Equity (ROE)	19.1600%	859
Retained earnings to average equity (ytd only)	9.3966%	1,838
Net charge-offs to loans	-0.0018%	3,411
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	64.8311%	2,353
Assets per employee ($millions)	6.5144%	2,334
Cash dividends to net income (ytd only)*	50.9684%	1,171
Condition Ratios (%)
Loss allowance to loans	1.2680%	2,195
Loan loss allowance to noncurrent loans	0.0000%	3,881
Noncurrent assets plus other real estate owned to assets	0.0000%	3,959
Noncurrent loans to loans	0.0000%	3,889
Net loans and leases to total assets	64.2500%	2,223
Net loans and leases to deposits	70.9615%	2,542
Net loans and leases to core deposits	73.5282%	2,713
Total domestic deposits to total assets	90.5400%	966
Equity capital to assets	6.2468%	4,123
Core capital (leverage) ratio	8.1586%	4,357
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.1801%	1,915
Memoranda:
Average total assets	$363,215,500	2,186
Average earning assets	$346,495,000	2,136
Average equity	$20,475,500	2,841
Average total loans	$216,369,000	2,195
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6458%	2,668
Cost of funding earning assets	0.5724%	1,006
Net interest margin	3.0734%	3,250
Noninterest income to average assets	0.4100%	2,635
Noninterest expense to average assets	2.1009%	3,290
Loan and lease loss provision to assets	0.0500%	1,921
Net operating income to assets	1.1955%	1,790
Return on assets (ROA)	1.1955%	1,726
Pretax return on assets	1.1955%	2,453
Return on Equity (ROE)	18.9300%	580
Retained earnings to average equity (ytd only)	4.3359%	3,289
Net charge-offs to loans	0.0024%	2,426
Credit loss provision to net charge-offs	3,400.0000%	174
Earnings coverage of net charge-offs (x)	871.6000%	207
Efficiency ratio	62.8094%	2,654
Assets per employee ($millions)	7.0487%	1,938
Cash dividends to net income (ytd only)*	77.1012%	498
Condition Ratios (%)
Loss allowance to loans	1.2878%	1,959
Loan loss allowance to noncurrent loans	0.0000%	3,900
Noncurrent assets plus other real estate owned to assets	0.0000%	3,976
Noncurrent loans to loans	0.0000%	3,914
Net loans and leases to total assets	54.0600%	3,195
Net loans and leases to deposits	57.1068%	3,507
Net loans and leases to core deposits	58.6957%	3,573
Total domestic deposits to total assets	94.6600%	175
Equity capital to assets	5.1047%	4,340
Core capital (leverage) ratio	8.1949%	4,313
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.7239%	1,722
Memoranda:
Average total assets	$350,319,200	2,225
Average earning assets	$334,579,000	2,181
Average equity	$22,117,800	2,761
Average total loans	$207,288,800	2,180
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5228%	2,538
Cost of funding earning assets	0.4037%	1,257
Net interest margin	3.1191%	2,870
Noninterest income to average assets	0.4300%	2,559
Noninterest expense to average assets	2.1534%	3,064
Loan and lease loss provision to assets	0.0600%	1,588
Net operating income to assets	1.1907%	1,735
Return on assets (ROA)	1.1907%	1,710
Pretax return on assets	1.1907%	2,405
Return on Equity (ROE)	17.8900%	656
Retained earnings to average equity (ytd only)	9.0748%	1,623
Net charge-offs to loans	0.0039%	2,074
Credit loss provision to net charge-offs	2,500.0000%	205
Earnings coverage of net charge-offs (x)	532.5000%	299
Efficiency ratio	63.2843%	2,648
Assets per employee ($millions)	6.1125%	2,664
Cash dividends to net income (ytd only)*	49.2611%	1,226
Condition Ratios (%)
Loss allowance to loans	1.2831%	2,114
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	64.4300%	2,047
Net loans and leases to deposits	68.7101%	2,481
Net loans and leases to core deposits	70.8953%	2,576
Total domestic deposits to total assets	93.7700%	402
Equity capital to assets	5.9480%	3,980
Core capital (leverage) ratio	8.6108%	3,968
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.7428%	2,156
Memoranda:
Average total assets	$340,979,000	2,271
Average earning assets	$325,298,250	2,228
Average equity	$22,699,750	2,758
Average total loans	$206,035,000	2,198
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2396%	2,924
Cost of funding earning assets	0.2773%	1,934
Net interest margin	2.9624%	2,998
Noninterest income to average assets	0.4292%	2,575
Noninterest expense to average assets	2.0989%	3,147
Loan and lease loss provision to assets	0.0519%	1,648
Net operating income to assets	1.1077%	1,745
Return on assets (ROA)	1.1077%	1,724
Pretax return on assets	1.1077%	2,379
Return on Equity (ROE)	16.1051%	683
Retained earnings to average equity (ytd only)	7.7170%	1,722
Net charge-offs to loans	0.0069%	1,748
Credit loss provision to net charge-offs	1,285.7143%	338
Earnings coverage of net charge-offs (x)	287.1429%	421
Efficiency ratio	64.4122%	2,714
Assets per employee ($millions)	5.9026%	2,832
Cash dividends to net income (ytd only)*	52.0833%	1,288
Condition Ratios (%)
Loss allowance to loans	1.2590%	2,384
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	64.0661%	1,907
Net loans and leases to deposits	69.2253%	2,282
Net loans and leases to core deposits	71.4402%	2,380
Total domestic deposits to total assets	92.5472%	638
Equity capital to assets	6.5737%	3,989
Core capital (leverage) ratio	8.5244%	3,934
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.9870%	2,064
Memoranda:
Average total assets	$346,652,000	2,257
Average earning assets	$331,087,333	2,222
Average equity	$23,843,333	2,755
Average total loans	$204,233,333	2,207
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0343%	3,151
Cost of funding earning assets	0.2221%	2,504
Net interest margin	2.8122%	3,101
Noninterest income to average assets	0.4283%	2,507
Noninterest expense to average assets	2.0064%	3,413
Loan and lease loss provision to assets	0.0336%	1,760
Net operating income to assets	1.0792%	1,585
Return on assets (ROA)	1.0792%	1,582
Pretax return on assets	1.0792%	2,208
Return on Equity (ROE)	15.3819%	601
Retained earnings to average equity (ytd only)	7.4120%	1,762
Net charge-offs to loans	0.0000%	1,838
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	64.3241%	2,987
Assets per employee ($millions)	6.1442%	2,666
Cash dividends to net income (ytd only)*	51.8135%	1,215
Condition Ratios (%)
Loss allowance to loans	1.2826%	2,443
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	60.2919%	2,035
Net loans and leases to deposits	65.4213%	2,389
Net loans and leases to core deposits	67.4865%	2,494
Total domestic deposits to total assets	92.1594%	514
Equity capital to assets	6.9852%	4,227
Core capital (leverage) ratio	7.8342%	4,403
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.2084%	2,524
Memoranda:
Average total assets	$357,656,500	2,220
Average earning assets	$342,221,500	2,178
Average equity	$25,094,500	2,767
Average total loans	$201,031,000	2,222
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5139%	2,619
Cost of funding earning assets	0.2777%	2,624
Net interest margin	3.2362%	2,499
Noninterest income to average assets	0.4920%	2,608
Noninterest expense to average assets	2.2158%	3,025
Loan and lease loss provision to assets	0.0951%	1,314
Net operating income to assets	1.2591%	1,718
Return on assets (ROA)	1.2591%	1,771
Pretax return on assets	1.2591%	2,487
Return on Equity (ROE)	15.1504%	921
Retained earnings to average equity (ytd only)	4.0782%	3,190
Net charge-offs to loans	-0.0124%	3,810
Credit loss provision to net charge-offs	-1,240.0000%	3,971
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	62.0672%	2,859
Assets per employee ($millions)	6.7285%	2,130
Cash dividends to net income (ytd only)*	73.0816%	658
Condition Ratios (%)
Loss allowance to loans	1.2882%	2,417
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,222
Noncurrent loans to loans	0.0000%	4,145
Net loans and leases to total assets	51.3273%	3,136
Net loans and leases to deposits	55.9795%	3,416
Net loans and leases to core deposits	57.5087%	3,512
Total domestic deposits to total assets	91.6895%	269
Equity capital to assets	7.0433%	4,711
Core capital (leverage) ratio	8.1690%	4,242
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$326,023,000	2,314
Average earning assets	$310,081,600	2,281
Average equity	$27,095,000	2,717
Average total loans	$202,183,000	2,218
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7594%	2,124
Cost of funding earning assets	0.3085%	2,513
Net interest margin	3.4509%	2,007
Noninterest income to average assets	0.5215%	2,534
Noninterest expense to average assets	2.2662%	2,843
Loan and lease loss provision to assets	0.1325%	864
Net operating income to assets	1.3956%	1,562
Return on assets (ROA)	1.3956%	1,622
Pretax return on assets	1.3956%	2,354
Return on Equity (ROE)	16.0396%	943
Retained earnings to average equity (ytd only)	6.2054%	2,741
Net charge-offs to loans	-0.0164%	3,886
Credit loss provision to net charge-offs	-1,240.0000%	3,900
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	59.7249%	3,020
Assets per employee ($millions)	5.2425%	3,461
Cash dividends to net income (ytd only)*	61.3121%	815
Condition Ratios (%)
Loss allowance to loans	1.3370%	2,293
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,311
Noncurrent loans to loans	0.0000%	4,237
Net loans and leases to total assets	60.2715%	2,216
Net loans and leases to deposits	67.2601%	2,517
Net loans and leases to core deposits	69.5782%	2,633
Total domestic deposits to total assets	89.6096%	961
Equity capital to assets	8.8253%	3,980
Core capital (leverage) ratio	8.8263%	3,730
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$311,647,000	2,405
Average earning assets	$295,569,750	2,380
Average equity	$27,115,500	2,745
Average total loans	$202,873,000	2,254
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5607%	2,742
Cost of funding earning assets	0.3392%	2,414
Net interest margin	3.2215%	2,693
Noninterest income to average assets	0.4899%	2,664
Noninterest expense to average assets	2.2576%	2,892
Loan and lease loss provision to assets	0.1609%	721
Net operating income to assets	1.1285%	2,441
Return on assets (ROA)	1.1285%	2,509
Pretax return on assets	1.1285%	3,118
Return on Equity (ROE)	13.0331%	1,705
Retained earnings to average equity (ytd only)	1.8810%	4,146
Net charge-offs to loans	-0.0242%	4,063
Credit loss provision to net charge-offs	-1,000.0000%	3,647
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	63.6479%	2,475
Assets per employee ($millions)	5.0663%	3,601
Cash dividends to net income (ytd only)*	85.5676%	412
Condition Ratios (%)
Loss allowance to loans	1.2052%	2,909
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,353
Noncurrent loans to loans	0.0000%	4,280
Net loans and leases to total assets	67.6618%	1,491
Net loans and leases to deposits	75.5794%	1,861
Net loans and leases to core deposits	78.3757%	2,015
Total domestic deposits to total assets	89.5241%	1,017
Equity capital to assets	8.8912%	3,899
Core capital (leverage) ratio	8.9599%	3,507
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$310,679,333	2,403
Average earning assets	$294,829,667	2,375
Average equity	$26,900,667	2,748
Average total loans	$206,446,333	2,232
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4671%	3,019
Cost of funding earning assets	0.3628%	2,422
Net interest margin	3.1042%	2,973
Noninterest income to average assets	0.4407%	2,869
Noninterest expense to average assets	2.2342%	2,996
Loan and lease loss provision to assets	0.2038%	592
Net operating income to assets	0.9451%	2,983
Return on assets (ROA)	0.9451%	3,073
Pretax return on assets	0.9451%	3,505
Return on Equity (ROE)	11.0592%	2,351
Retained earnings to average equity (ytd only)	-3.8454%	4,641
Net charge-offs to loans	-0.0642%	4,491
Credit loss provision to net charge-offs	-484.8485%	3,160
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	66.0392%	2,228
Assets per employee ($millions)	5.1074%	3,523
Cash dividends to net income (ytd only)*	134.7709%	265
Condition Ratios (%)
Loss allowance to loans	1.1375%	3,260
Loan loss allowance to noncurrent loans	8,090.0000%	126
Noncurrent assets plus other real estate owned to assets	0.0101%	4,315
Noncurrent loans to loans	0.0141%	4,238
Net loans and leases to total assets	71.2097%	1,124
Net loans and leases to deposits	79.6715%	1,550
Net loans and leases to core deposits	83.6999%	1,701
Total domestic deposits to total assets	89.3791%	1,136
Equity capital to assets	8.9975%	3,688
Core capital (leverage) ratio	8.5968%	4,016
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$314,031,500	2,377
Average earning assets	$297,659,000	2,349
Average equity	$26,837,500	2,744
Average total loans	$205,577,500	2,241
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9594%	2,855
Cost of funding earning assets	0.5682%	2,515
Net interest margin	3.3912%	2,809
Noninterest income to average assets	0.5113%	2,582
Noninterest expense to average assets	2.4557%	2,975
Loan and lease loss provision to assets	0.1346%	2,676
Net operating income to assets	1.1352%	1,782
Return on assets (ROA)	1.1352%	1,905
Pretax return on assets	1.1352%	2,567
Return on Equity (ROE)	12.0023%	1,320
Retained earnings to average equity (ytd only)	4.0420%	2,800
Net charge-offs to loans	-0.0062%	4,180
Credit loss provision to net charge-offs	-3,166.6667%	4,269
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	65.9154%	2,550
Assets per employee ($millions)	5.5306%	2,816
Cash dividends to net income (ytd only)*	66.3233%	1,091
Condition Ratios (%)
Loss allowance to loans	1.1295%	3,307
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,492
Noncurrent loans to loans	0.0000%	4,420
Net loans and leases to total assets	58.9302%	2,990
Net loans and leases to deposits	65.1995%	3,345
Net loans and leases to core deposits	68.2018%	3,404
Total domestic deposits to total assets	90.3844%	422
Equity capital to assets	8.1432%	4,644
Core capital (leverage) ratio	8.9828%	3,708
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$282,238,200	2,390
Average earning assets	$267,518,400	2,354
Average equity	$26,694,800	2,694
Average total loans	$193,758,200	2,301
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0976%	2,679
Cost of funding earning assets	0.6327%	2,417
Net interest margin	3.4649%	2,707
Noninterest income to average assets	0.5025%	2,608
Noninterest expense to average assets	2.5368%	2,729
Loan and lease loss provision to assets	0.1186%	2,840
Net operating income to assets	1.1295%	1,881
Return on assets (ROA)	1.1295%	2,004
Pretax return on assets	1.1295%	2,648
Return on Equity (ROE)	11.4528%	1,530
Retained earnings to average equity (ytd only)	7.6953%	1,422
Net charge-offs to loans	-0.0076%	4,161
Credit loss provision to net charge-offs	-2,181.8182%	4,096
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.0235%	2,312
Assets per employee ($millions)	4.6826%	3,622
Cash dividends to net income (ytd only)*	32.8084%	2,241
Condition Ratios (%)
Loss allowance to loans	1.0679%	3,373
Loan loss allowance to noncurrent loans	209,300.0000%	3
Noncurrent assets plus other real estate owned to assets	0.0004%	4,540
Noncurrent loans to loans	0.0005%	4,473
Net loans and leases to total assets	70.1844%	1,917
Net loans and leases to deposits	79.5384%	2,368
Net loans and leases to core deposits	84.5784%	2,423
Total domestic deposits to total assets	88.2396%	1,094
Equity capital to assets	9.9817%	3,240
Core capital (leverage) ratio	9.6555%	3,089
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$269,839,000	2,438
Average earning assets	$255,622,500	2,409
Average equity	$26,613,000	2,691
Average total loans	$192,751,500	2,299
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1807%	2,820
Cost of funding earning assets	0.6940%	2,425
Net interest margin	3.4867%	2,833
Noninterest income to average assets	0.4602%	2,763
Noninterest expense to average assets	2.5858%	2,713
Loan and lease loss provision to assets	0.0897%	3,150
Net operating income to assets	1.0915%	1,999
Return on assets (ROA)	1.0915%	2,118
Pretax return on assets	1.0915%	2,731
Return on Equity (ROE)	11.1138%	1,595
Retained earnings to average equity (ytd only)	5.4086%	2,304
Net charge-offs to loans	-0.0042%	3,962
Credit loss provision to net charge-offs	-3,000.0000%	3,984
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	68.6434%	2,151
Assets per employee ($millions)	4.7509%	3,470
Cash dividends to net income (ytd only)*	51.3347%	1,510
Condition Ratios (%)
Loss allowance to loans	0.9929%	3,613
Loan loss allowance to noncurrent loans	196,600.0000%	3
Noncurrent assets plus other real estate owned to assets	0.0004%	4,602
Noncurrent loans to loans	0.0005%	4,534
Net loans and leases to total assets	71.1454%	1,849
Net loans and leases to deposits	81.0257%	2,310
Net loans and leases to core deposits	86.8420%	2,367
Total domestic deposits to total assets	87.8060%	1,284
Equity capital to assets	9.7113%	3,463
Core capital (leverage) ratio	9.7415%	3,093
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$267,693,667	2,427
Average earning assets	$253,879,000	2,393
Average equity	$26,291,667	2,697
Average total loans	$191,670,333	2,291
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3394%	2,798
Cost of funding earning assets	0.8219%	2,266
Net interest margin	3.5175%	2,922
Noninterest income to average assets	0.4641%	2,734
Noninterest expense to average assets	2.6539%	2,825
Loan and lease loss provision to assets	0.0910%	2,548
Net operating income to assets	1.0616%	1,962
Return on assets (ROA)	1.0616%	2,069
Pretax return on assets	1.0616%	2,633
Return on Equity (ROE)	10.7455%	1,491
Retained earnings to average equity (ytd only)	10.7455%	610
Net charge-offs to loans	-0.0021%	3,662
Credit loss provision to net charge-offs	-6,000.0000%	3,895
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.7211%	2,398
Assets per employee ($millions)	4.0917%	3,797
Cash dividends to net income (ytd only)*	0.0000%	2,581
Condition Ratios (%)
Loss allowance to loans	0.9915%	3,756
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,662
Noncurrent loans to loans	0.0000%	4,593
Net loans and leases to total assets	77.4066%	1,067
Net loans and leases to deposits	89.6285%	1,553
Net loans and leases to core deposits	96.5836%	1,742
Total domestic deposits to total assets	86.3638%	1,841
Equity capital to assets	10.8562%	2,979
Core capital (leverage) ratio	10.2628%	3,181
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$263,763,500	2,403
Average earning assets	$250,632,500	2,368
Average equity	$26,057,500	2,705
Average total loans	$188,500,500	2,271
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2919%	3,556
Cost of funding earning assets	0.8500%	2,434
Net interest margin	3.4419%	3,619
Noninterest income to average assets	0.4926%	2,784
Noninterest expense to average assets	2.6128%	3,142
Loan and lease loss provision to assets	0.0942%	2,151
Net operating income to assets	1.0562%	2,633
Return on assets (ROA)	1.0562%	2,727
Pretax return on assets	1.0562%	3,312
Return on Equity (ROE)	10.6613%	2,020
Retained earnings to average equity (ytd only)	0.2615%	4,616
Net charge-offs to loans	-0.0303%	4,711
Credit loss provision to net charge-offs	-452.8302%	4,409
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.4305%	2,258
Assets per employee ($millions)	4.7004%	2,946
Cash dividends to net income (ytd only)*	97.5474%	354
Condition Ratios (%)
Loss allowance to loans	0.9948%	3,555
Loan loss allowance to noncurrent loans	5,753.1250%	131
Noncurrent assets plus other real estate owned to assets	0.0113%	4,607
Noncurrent loans to loans	0.0173%	4,507
Net loans and leases to total assets	64.9667%	3,072
Net loans and leases to deposits	73.3743%	3,403
Net loans and leases to core deposits	78.2486%	3,430
Total domestic deposits to total assets	88.5415%	866
Equity capital to assets	9.0286%	4,674
Core capital (leverage) ratio	10.0050%	3,513
Tier 1 risk-based capital ratio	14.4611%	3,039
Total risk-based capital ratio	15.5180%	3,053
Memoranda:
Average total assets	$254,780,600	2,430
Average earning assets	$242,107,200	2,393
Average equity	$25,240,800	2,699
Average total loans	$174,817,200	2,371
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3774%	3,430
Cost of funding earning assets	0.8594%	2,418
Net interest margin	3.5180%	3,514
Noninterest income to average assets	0.5000%	2,730
Noninterest expense to average assets	2.6723%	2,937
Loan and lease loss provision to assets	0.0968%	1,976
Net operating income to assets	1.0721%	2,677
Return on assets (ROA)	1.0721%	2,767
Pretax return on assets	1.0721%	3,369
Return on Equity (ROE)	10.5562%	2,188
Retained earnings to average equity (ytd only)	3.2770%	3,773
Net charge-offs to loans	-0.0426%	4,800
Credit loss provision to net charge-offs	-327.2727%	4,254
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.5689%	2,180
Assets per employee ($millions)	4.0638%	3,814
Cash dividends to net income (ytd only)*	68.9570%	989
Condition Ratios (%)
Loss allowance to loans	0.9935%	3,600
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,789
Noncurrent loans to loans	0.0000%	4,706
Net loans and leases to total assets	74.1515%	1,784
Net loans and leases to deposits	85.9418%	2,195
Net loans and leases to core deposits	95.1053%	2,078
Total domestic deposits to total assets	86.2810%	1,874
Equity capital to assets	10.8299%	3,268
Core capital (leverage) ratio	10.8208%	2,818
Tier 1 risk-based capital ratio	15.0343%	2,830
Total risk-based capital ratio	16.0763%	2,866
Memoranda:
Average total assets	$247,969,250	2,494
Average earning assets	$235,505,000	2,453
Average equity	$25,185,250	2,718
Average total loans	$172,255,500	2,423
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2759%	3,712
Cost of funding earning assets	0.8520%	2,385
Net interest margin	3.4239%	3,820
Noninterest income to average assets	0.4619%	2,901
Noninterest expense to average assets	2.6429%	3,079
Loan and lease loss provision to assets	0.0957%	1,937
Net operating income to assets	0.9772%	3,001
Return on assets (ROA)	0.9772%	3,074
Pretax return on assets	0.9772%	3,626
Return on Equity (ROE)	9.8295%	2,472
Retained earnings to average equity (ytd only)	2.8084%	3,807
Net charge-offs to loans	-0.0648%	4,897
Credit loss provision to net charge-offs	-218.1818%	4,000
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	71.1249%	2,052
Assets per employee ($millions)	4.1052%	3,724
Cash dividends to net income (ytd only)*	71.4286%	1,060
Condition Ratios (%)
Loss allowance to loans	1.0050%	3,590
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,834
Noncurrent loans to loans	0.0000%	4,745
Net loans and leases to total assets	71.3228%	2,320
Net loans and leases to deposits	80.2238%	2,926
Net loans and leases to core deposits	88.2155%	2,778
Total domestic deposits to total assets	88.9048%	702
Equity capital to assets	10.7626%	3,298
Core capital (leverage) ratio	10.7873%	2,801
Tier 1 risk-based capital ratio	15.3083%	2,706
Total risk-based capital ratio	16.3444%	2,717
Memoranda:
Average total assets	$250,705,000	2,487
Average earning assets	$238,268,000	2,443
Average equity	$24,925,000	2,730
Average total loans	$169,817,000	2,455
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1965%	3,881
Cost of funding earning assets	0.8805%	2,091
Net interest margin	3.3160%	4,122
Noninterest income to average assets	0.4015%	3,169
Noninterest expense to average assets	2.5369%	3,397
Loan and lease loss provision to assets	0.0934%	1,865
Net operating income to assets	0.9245%	3,142
Return on assets (ROA)	0.9245%	3,178
Pretax return on assets	0.9245%	3,678
Return on Equity (ROE)	9.6686%	2,513
Retained earnings to average equity (ytd only)	1.5300%	4,193
Net charge-offs to loans	-0.0687%	4,922
Credit loss provision to net charge-offs	-206.8966%	3,645
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	71.3660%	2,136
Assets per employee ($millions)	4.0745%	3,814
Cash dividends to net income (ytd only)*	84.1751%	852
Condition Ratios (%)
Loss allowance to loans	0.9534%	3,948
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,905
Noncurrent loans to loans	0.0000%	4,814
Net loans and leases to total assets	70.7909%	2,364
Net loans and leases to deposits	79.2634%	2,922
Net loans and leases to core deposits	86.3768%	2,840
Total domestic deposits to total assets	89.3109%	722
Equity capital to assets	10.3751%	3,446
Core capital (leverage) ratio	9.9485%	3,660
Tier 1 risk-based capital ratio	15.2494%	2,777
Total risk-based capital ratio	16.2400%	2,818
Memoranda:
Average total assets	$257,006,500	2,468
Average earning assets	$244,394,500	2,420
Average equity	$24,574,500	2,756
Average total loans	$168,953,000	2,485
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9509%	4,166
Cost of funding earning assets	0.6472%	2,415
Net interest margin	3.3037%	4,248
Noninterest income to average assets	0.5254%	2,684
Noninterest expense to average assets	2.5706%	3,413
Loan and lease loss provision to assets	0.0887%	2,369
Net operating income to assets	1.0053%	2,984
Return on assets (ROA)	1.0053%	2,971
Pretax return on assets	1.0053%	3,578
Return on Equity (ROE)	10.2548%	2,417
Retained earnings to average equity (ytd only)	2.9893%	3,908
Net charge-offs to loans	0.1220%	1,513
Credit loss provision to net charge-offs	111.2245%	2,322
Earnings coverage of net charge-offs (x)	13.7143%	2,429
Efficiency ratio	70.1466%	2,152
Assets per employee ($millions)	4.6376%	2,976
Cash dividends to net income (ytd only)*	70.8502%	1,038
Condition Ratios (%)
Loss allowance to loans	0.9326%	4,032
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	4,937
Noncurrent loans to loans	0.0000%	4,837
Net loans and leases to total assets	60.1354%	3,756
Net loans and leases to deposits	66.1824%	4,106
Net loans and leases to core deposits	71.2574%	4,043
Total domestic deposits to total assets	90.8632%	238
Equity capital to assets	8.8473%	4,696
Core capital (leverage) ratio	10.1670%	3,389
Tier 1 risk-based capital ratio	15.0007%	2,832
Total risk-based capital ratio	15.9257%	2,905
Memoranda:
Average total assets	$245,700,400	2,500
Average earning assets	$233,464,600	2,462
Average equity	$24,086,200	2,721
Average total loans	$160,594,000	2,518
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9729%	4,013
Cost of funding earning assets	0.6126%	2,388
Net interest margin	3.3603%	4,136
Noninterest income to average assets	0.5596%	2,523
Noninterest expense to average assets	2.5943%	3,297
Loan and lease loss provision to assets	0.0882%	2,210
Net operating income to assets	1.0696%	2,785
Return on assets (ROA)	1.0696%	2,796
Pretax return on assets	1.0696%	3,500
Return on Equity (ROE)	10.6140%	2,345
Retained earnings to average equity (ytd only)	6.4570%	2,406
Net charge-offs to loans	0.1641%	1,005
Credit loss provision to net charge-offs	80.6122%	2,520
Earnings coverage of net charge-offs (x)	10.5764%	2,576
Efficiency ratio	69.1426%	2,335
Assets per employee ($millions)	4.0972%	3,735
Cash dividends to net income (ytd only)*	39.1647%	2,095
Condition Ratios (%)
Loss allowance to loans	0.9143%	4,211
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	5,046
Noncurrent loans to loans	0.0000%	4,954
Net loans and leases to total assets	67.9019%	2,960
Net loans and leases to deposits	75.8961%	3,427
Net loans and leases to core deposits	81.9196%	3,332
Total domestic deposits to total assets	89.4668%	684
Equity capital to assets	10.2032%	3,449
Core capital (leverage) ratio	10.5120%	3,071
Tier 1 risk-based capital ratio	16.3181%	2,328
Total risk-based capital ratio	17.2685%	2,380
Memoranda:
Average total assets	$238,720,750	2,568
Average earning assets	$226,797,250	2,517
Average equity	$24,055,750	2,732
Average total loans	$159,219,750	2,541
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8645%	4,174
Cost of funding earning assets	0.5857%	2,325
Net interest margin	3.2789%	4,311
Noninterest income to average assets	0.5320%	2,675
Noninterest expense to average assets	2.5908%	3,355
Loan and lease loss provision to assets	0.0820%	2,271
Net operating income to assets	0.9737%	3,129
Return on assets (ROA)	0.9737%	3,131
Pretax return on assets	0.9737%	3,737
Return on Equity (ROE)	9.7032%	2,711
Retained earnings to average equity (ytd only)	5.5352%	2,805
Net charge-offs to loans	0.2481%	640
Credit loss provision to net charge-offs	50.0000%	2,490
Earnings coverage of net charge-offs (x)	6.4388%	2,625
Efficiency ratio	71.0484%	2,154
Assets per employee ($millions)	4.0837%	3,754
Cash dividends to net income (ytd only)*	42.9553%	1,980
Condition Ratios (%)
Loss allowance to loans	0.9030%	4,329
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	5,076
Noncurrent loans to loans	0.0000%	4,980
Net loans and leases to total assets	68.5779%	2,777
Net loans and leases to deposits	77.6667%	3,189
Net loans and leases to core deposits	86.3064%	2,897
Total domestic deposits to total assets	88.2976%	1,220
Equity capital to assets	10.5165%	3,094
Core capital (leverage) ratio	10.9071%	2,600
Tier 1 risk-based capital ratio	16.2382%	2,353
Total risk-based capital ratio	17.1640%	2,412
Memoranda:
Average total assets	$239,081,000	2,570
Average earning assets	$227,090,670	2,534
Average equity	$23,992,000	2,753
Average total loans	$158,009,330	2,568
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7313%	4,402
Cost of funding earning assets	0.5717%	2,245
Net interest margin	3.1596%	4,579
Noninterest income to average assets	0.4929%	2,846
Noninterest expense to average assets	2.5037%	3,632
Loan and lease loss provision to assets	0.0622%	2,533
Net operating income to assets	0.9317%	3,151
Return on assets (ROA)	0.9317%	3,172
Pretax return on assets	0.9317%	3,752
Return on Equity (ROE)	9.4980%	2,678
Retained earnings to average equity (ytd only)	5.3249%	3,027
Net charge-offs to loans	0.0076%	2,470
Credit loss provision to net charge-offs	1,266.6667%	281
Earnings coverage of net charge-offs (x)	202.3333%	335
Efficiency ratio	71.5824%	2,255
Assets per employee ($millions)	4.1721%	3,694
Cash dividends to net income (ytd only)*	43.9367%	1,700
Condition Ratios (%)
Loss allowance to loans	0.9983%	3,974
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	5,153
Noncurrent loans to loans	0.0000%	5,035
Net loans and leases to total assets	67.5072%	2,821
Net loans and leases to deposits	75.5820%	3,261
Net loans and leases to core deposits	81.4493%	3,192
Total domestic deposits to total assets	89.3165%	953
Equity capital to assets	10.3937%	3,176
Core capital (leverage) ratio	10.3299%	3,150
Tier 1 risk-based capital ratio	15.5347%	2,653
Total risk-based capital ratio	16.5163%	2,695
Memoranda:
Average total assets	$244,277,000	2,560
Average earning assets	$232,306,500	2,515
Average equity	$23,963,000	2,780
Average total loans	$157,884,500	2,593
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5308%	4,733
Cost of funding earning assets	0.3966%	3,287
Net interest margin	3.1342%	4,617
Noninterest income to average assets	0.5521%	2,706
Noninterest expense to average assets	2.6327%	3,343
Loan and lease loss provision to assets	0.0165%	3,964
Net operating income to assets	0.8732%	2,847
Return on assets (ROA)	0.8732%	2,869
Pretax return on assets	0.8732%	4,000
Return on Equity (ROE)	8.2839%	2,654
Retained earnings to average equity (ytd only)	2.1080%	4,055
Net charge-offs to loans	0.2183%	1,191
Credit loss provision to net charge-offs	12.2977%	3,654
Earnings coverage of net charge-offs (x)	6.6343%	3,158
Efficiency ratio	74.7413%	1,794
Assets per employee ($millions)	4.4670%	3,245
Cash dividends to net income (ytd only)*	74.5527%	1,036
Condition Ratios (%)
Loss allowance to loans	0.9586%	4,168
Loan loss allowance to noncurrent loans	5,090.0000%	176
Noncurrent assets plus other real estate owned to assets	0.0116%	5,110
Noncurrent loans to loans	0.0188%	4,936
Net loans and leases to total assets	60.8959%	3,741
Net loans and leases to deposits	67.3304%	4,074
Net loans and leases to core deposits	70.9004%	4,117
Total domestic deposits to total assets	90.4434%	413
Equity capital to assets	9.2926%	4,437
Core capital (leverage) ratio	10.2185%	3,167
Tier 1 risk-based capital ratio	15.2165%	2,736
Total risk-based capital ratio	16.1688%	2,817
Memoranda:
Average total assets	$230,405,800	2,638
Average earning assets	$218,362,200	2,595
Average equity	$24,288,000	2,732
Average total loans	$141,576,400	2,755
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5072%	4,799
Cost of funding earning assets	0.3528%	3,637
Net interest margin	3.1544%	4,566
Noninterest income to average assets	0.5620%	2,661
Noninterest expense to average assets	2.7104%	3,030
Loan and lease loss provision to assets	0.0000%	4,088
Net operating income to assets	0.8368%	3,346
Return on assets (ROA)	0.8368%	3,391
Pretax return on assets	0.8368%	4,250
Return on Equity (ROE)	7.6741%	3,307
Retained earnings to average equity (ytd only)	4.9353%	2,929
Net charge-offs to loans	0.2975%	709
Credit loss provision to net charge-offs	0.0000%	3,274
Earnings coverage of net charge-offs (x)	4.5784%	3,209
Efficiency ratio	76.4102%	1,529
Assets per employee ($millions)	4.0740%	3,862
Cash dividends to net income (ytd only)*	35.6889%	2,483
Condition Ratios (%)
Loss allowance to loans	0.9831%	4,166
Loan loss allowance to noncurrent loans	4,973.3333%	163
Noncurrent assets plus other real estate owned to assets	0.0874%	4,803
Noncurrent loans to loans	0.0198%	5,045
Net loans and leases to total assets	64.7095%	3,299
Net loans and leases to deposits	82.3512%	2,736
Net loans and leases to core deposits	87.2778%	2,843
Total domestic deposits to total assets	78.5775%	4,615
Equity capital to assets	10.7636%	3,104
Core capital (leverage) ratio	11.5207%	2,002
Tier 1 risk-based capital ratio	16.1384%	2,441
Total risk-based capital ratio	17.1098%	2,497
Memoranda:
Average total assets	$223,235,250	2,720
Average earning assets	$211,257,500	2,671
Average equity	$24,341,000	2,753
Average total loans	$137,145,250	2,839
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4699%	4,836
Cost of funding earning assets	0.3355%	3,745
Net interest margin	3.1343%	4,589
Noninterest income to average assets	0.5903%	2,510
Noninterest expense to average assets	2.7624%	2,883
Loan and lease loss provision to assets	0.0000%	3,871
Net operating income to assets	0.7882%	3,448
Return on assets (ROA)	0.7882%	3,504
Pretax return on assets	0.7882%	4,319
Return on Equity (ROE)	7.1965%	3,456
Retained earnings to average equity (ytd only)	5.1237%	2,625
Net charge-offs to loans	0.4657%	430
Credit loss provision to net charge-offs	0.0000%	2,905
Earnings coverage of net charge-offs (x)	2.8182%	3,119
Efficiency ratio	77.8005%	1,491
Assets per employee ($millions)	3.6144%	4,553
Cash dividends to net income (ytd only)*	28.8018%	2,816
Condition Ratios (%)
Loss allowance to loans	1.1060%	3,555
Loan loss allowance to noncurrent loans	4,966.6667%	142
Noncurrent assets plus other real estate owned to assets	0.0968%	4,805
Noncurrent loans to loans	0.0223%	5,077
Net loans and leases to total assets	63.5511%	3,444
Net loans and leases to deposits	72.2946%	3,708
Net loans and leases to core deposits	77.2683%	3,656
Total domestic deposits to total assets	87.9057%	1,504
Equity capital to assets	11.7804%	2,090
Core capital (leverage) ratio	11.7838%	1,781
Tier 1 risk-based capital ratio	17.1482%	2,119
Total risk-based capital ratio	18.1909%	2,127
Memoranda:
Average total assets	$220,241,000	2,766
Average earning assets	$208,018,330	2,720
Average equity	$24,123,000	2,768
Average total loans	$132,274,000	2,904
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3931%	4,937
Cost of funding earning assets	0.3369%	3,672
Net interest margin	3.0563%	4,773
Noninterest income to average assets	0.4842%	3,078
Noninterest expense to average assets	2.6514%	3,303
Loan and lease loss provision to assets	0.0000%	3,537
Net operating income to assets	0.7129%	3,649
Return on assets (ROA)	0.7129%	3,691
Pretax return on assets	0.7129%	4,413
Return on Equity (ROE)	6.7460%	3,523
Retained earnings to average equity (ytd only)	2.5507%	4,119
Net charge-offs to loans	0.9431%	176
Credit loss provision to net charge-offs	0.0000%	2,277
Earnings coverage of net charge-offs (x)	1.3010%	2,744
Efficiency ratio	78.8086%	1,516
Assets per employee ($millions)	3.5355%	4,743
Cash dividends to net income (ytd only)*	62.1891%	1,363
Condition Ratios (%)
Loss allowance to loans	1.1591%	3,366
Loan loss allowance to noncurrent loans	10,635.7143%	93
Noncurrent assets plus other real estate owned to assets	0.0896%	4,915
Noncurrent loans to loans	0.0109%	5,198
Net loans and leases to total assets	60.8686%	3,690
Net loans and leases to deposits	69.1482%	3,880
Net loans and leases to core deposits	72.7376%	3,934
Total domestic deposits to total assets	88.0262%	1,701
Equity capital to assets	11.5112%	2,172
Core capital (leverage) ratio	11.0341%	2,328
Tier 1 risk-based capital ratio	17.8119%	1,936
Total risk-based capital ratio	18.9151%	1,942
Memoranda:
Average total assets	$225,543,500	2,745
Average earning assets	$212,547,000	2,706
Average equity	$23,836,500	2,804
Average total loans	$131,053,000	2,944
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5046%	4,765
Cost of funding earning assets	0.2912%	4,161
Net interest margin	3.2134%	4,403
Noninterest income to average assets	0.5801%	2,760
Noninterest expense to average assets	2.7413%	3,220
Loan and lease loss provision to assets	0.0342%	3,682
Net operating income to assets	0.8446%	3,089
Return on assets (ROA)	0.8460%	3,199
Pretax return on assets	0.8460%	4,028
Return on Equity (ROE)	7.5532%	3,190
Retained earnings to average equity (ytd only)	1.4455%	4,684
Net charge-offs to loans	0.0043%	4,094
Credit loss provision to net charge-offs	1,250.0000%	314
Earnings coverage of net charge-offs (x)	321.1667%	242
Efficiency ratio	75.7244%	2,024
Assets per employee ($millions)	4.3302%	3,395
Cash dividends to net income (ytd only)*	80.8625%	877
Condition Ratios (%)
Loss allowance to loans	1.3453%	2,323
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0713%	5,047
Noncurrent loans to loans	0.0000%	5,326
Net loans and leases to total assets	54.3730%	4,410
Net loans and leases to deposits	60.5253%	4,638
Net loans and leases to core deposits	63.7734%	4,647
Total domestic deposits to total assets	89.8350%	705
Equity capital to assets	9.7575%	4,000
Core capital (leverage) ratio	11.2314%	2,135
Tier 1 risk-based capital ratio	16.8703%	2,202
Total risk-based capital ratio	18.1203%	2,150
Memoranda:
Average total assets	$219,274,600	2,767
Average earning assets	$207,444,000	2,718
Average equity	$24,559,200	2,755
Average total loans	$139,904,800	2,780
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5949%	4,566
Cost of funding earning assets	0.2927%	4,183
Net interest margin	3.3022%	4,178
Noninterest income to average assets	0.5827%	2,750
Noninterest expense to average assets	2.8493%	2,828
Loan and lease loss provision to assets	0.0468%	3,309
Net operating income to assets	0.8219%	3,273
Return on assets (ROA)	0.8238%	3,394
Pretax return on assets	0.8238%	4,234
Return on Equity (ROE)	7.0959%	3,511
Retained earnings to average equity (ytd only)	4.4060%	3,197
Net charge-offs to loans	-0.0019%	4,488
Credit loss provision to net charge-offs	-3,750.0000%	5,383
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.6336%	1,887
Assets per employee ($millions)	3.6021%	4,643
Cash dividends to net income (ytd only)*	37.9076%	2,440
Condition Ratios (%)
Loss allowance to loans	1.2700%	2,841
Loan loss allowance to noncurrent loans	511.8980%	1,034
Noncurrent assets plus other real estate owned to assets	0.1719%	4,752
Noncurrent loans to loans	0.2481%	4,377
Net loans and leases to total assets	68.4205%	2,738
Net loans and leases to deposits	78.4567%	3,139
Net loans and leases to core deposits	83.7735%	3,148
Total domestic deposits to total assets	87.2081%	1,797
Equity capital to assets	12.3180%	1,884
Core capital (leverage) ratio	11.8065%	1,807
Tier 1 risk-based capital ratio	16.7195%	2,327
Total risk-based capital ratio	17.9594%	2,280
Memoranda:
Average total assets	$213,470,750	2,836
Average earning assets	$202,689,500	2,772
Average equity	$24,783,750	2,762
Average total loans	$141,469,250	2,763
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5535%	4,728
Cost of funding earning assets	0.2933%	4,209
Net interest margin	3.2603%	4,348
Noninterest income to average assets	0.4903%	3,263
Noninterest expense to average assets	2.7994%	3,032
Loan and lease loss provision to assets	0.0694%	2,753
Net operating income to assets	0.7170%	3,710
Return on assets (ROA)	0.7197%	3,856
Pretax return on assets	0.7197%	4,560
Return on Equity (ROE)	6.3214%	3,893
Retained earnings to average equity (ytd only)	4.2901%	3,190
Net charge-offs to loans	-0.0028%	4,413
Credit loss provision to net charge-offs	-3,750.0000%	5,289
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	78.0702%	1,779
Assets per employee ($millions)	3.6292%	4,551
Cash dividends to net income (ytd only)*	32.1337%	2,756
Condition Ratios (%)
Loss allowance to loans	1.2754%	2,920
Loan loss allowance to noncurrent loans	1,517.6471%	400
Noncurrent assets plus other real estate owned to assets	0.0933%	5,144
Noncurrent loans to loans	0.0840%	5,117
Net loans and leases to total assets	67.5764%	2,846
Net loans and leases to deposits	77.2925%	3,232
Net loans and leases to core deposits	82.4250%	3,229
Total domestic deposits to total assets	87.4295%	1,703
Equity capital to assets	12.1369%	2,025
Core capital (leverage) ratio	11.6366%	1,883
Tier 1 risk-based capital ratio	16.4743%	2,444
Total risk-based capital ratio	17.7108%	2,385
Memoranda:
Average total assets	$216,188,670	2,814
Average earning assets	$205,259,670	2,759
Average equity	$24,614,670	2,775
Average total loans	$141,197,000	2,767
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4894%	4,915
Cost of funding earning assets	0.2995%	4,169
Net interest margin	3.1898%	4,614
Noninterest income to average assets	0.4474%	3,505
Noninterest expense to average assets	2.7765%	3,161
Loan and lease loss provision to assets	0.0688%	2,576
Net operating income to assets	0.6303%	4,061
Return on assets (ROA)	0.6303%	4,176
Pretax return on assets	0.6303%	4,731
Return on Equity (ROE)	5.7123%	4,129
Retained earnings to average equity (ytd only)	5.7123%	2,523
Net charge-offs to loans	-0.0028%	4,170
Credit loss provision to net charge-offs	-3,800.0000%	4,988
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	79.8854%	1,622
Assets per employee ($millions)	3.7176%	4,436
Cash dividends to net income (ytd only)*	0.0000%	2,863
Condition Ratios (%)
Loss allowance to loans	1.2503%	3,181
Loan loss allowance to noncurrent loans	236.0481%	1,969
Noncurrent assets plus other real estate owned to assets	0.4477%	3,799
Noncurrent loans to loans	0.5297%	3,600
Net loans and leases to total assets	67.0764%	2,799
Net loans and leases to deposits	76.4560%	3,167
Net loans and leases to core deposits	82.3697%	3,100
Total domestic deposits to total assets	87.7321%	1,792
Equity capital to assets	11.8419%	2,127
Core capital (leverage) ratio	11.1573%	2,258
Tier 1 risk-based capital ratio	16.6668%	2,411
Total risk-based capital ratio	17.8904%	2,371
Memoranda:
Average total assets	$220,850,500	2,772
Average earning assets	$209,666,000	2,721
Average equity	$24,368,500	2,800
Average total loans	$140,996,500	2,766
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5258%	4,853
Cost of funding earning assets	0.2791%	4,493
Net interest margin	3.2467%	4,481
Noninterest income to average assets	0.5786%	2,840
Noninterest expense to average assets	2.7222%	3,509
Loan and lease loss provision to assets	0.0746%	2,776
Net operating income to assets	0.8422%	3,147
Return on assets (ROA)	0.8417%	3,219
Pretax return on assets	0.8417%	4,056
Return on Equity (ROE)	7.3079%	3,357
Retained earnings to average equity (ytd only)	0.9309%	5,145
Net charge-offs to loans	-0.0044%	4,953
Credit loss provision to net charge-offs	-2,633.3333%	5,672
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	74.8053%	2,457
Assets per employee ($millions)	4.1699%	3,629
Cash dividends to net income (ytd only)*	87.2615%	671
Condition Ratios (%)
Loss allowance to loans	1.2299%	3,295
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.1049%	5,184
Noncurrent loans to loans	0.0000%	5,583
Net loans and leases to total assets	59.4619%	3,903
Net loans and leases to deposits	66.5968%	4,261
Net loans and leases to core deposits	70.4523%	4,272
Total domestic deposits to total assets	89.2864%	977
Equity capital to assets	10.3136%	3,606
Core capital (leverage) ratio	11.3359%	2,097
Tier 1 risk-based capital ratio	16.5010%	2,478
Total risk-based capital ratio	17.7133%	2,459
Memoranda:
Average total assets	$211,702,400	2,825
Average earning assets	$199,557,000	2,784
Average equity	$24,384,600	2,748
Average total loans	$136,612,600	2,770
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6155%	4,682
Cost of funding earning assets	0.2819%	4,536
Net interest margin	3.3337%	4,205
Noninterest income to average assets	0.5294%	3,168
Noninterest expense to average assets	2.7817%	3,265
Loan and lease loss provision to assets	0.1021%	2,149
Net operating income to assets	0.7803%	3,527
Return on assets (ROA)	0.7803%	3,613
Pretax return on assets	0.7803%	4,395
Return on Equity (ROE)	6.5793%	3,850
Retained earnings to average equity (ytd only)	5.0531%	2,875
Net charge-offs to loans	-0.0039%	4,791
Credit loss provision to net charge-offs	-3,950.0000%	5,673
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	75.9174%	2,261
Assets per employee ($millions)	3.5785%	4,653
Cash dividends to net income (ytd only)*	23.1978%	3,106
Condition Ratios (%)
Loss allowance to loans	1.2354%	3,457
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.6056%	3,454
Noncurrent loans to loans	0.0000%	5,684
Net loans and leases to total assets	70.1527%	2,366
Net loans and leases to deposits	80.7579%	2,794
Net loans and leases to core deposits	86.9750%	2,753
Total domestic deposits to total assets	86.8679%	2,110
Equity capital to assets	12.6738%	1,632
Core capital (leverage) ratio	12.1769%	1,581
Tier 1 risk-based capital ratio	16.9693%	2,389
Total risk-based capital ratio	18.1788%	2,353
Memoranda:
Average total assets	$206,249,000	2,906
Average earning assets	$193,936,500	2,873
Average equity	$24,459,750	2,761
Average total loans	$135,620,250	2,805
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5443%	4,874
Cost of funding earning assets	0.2775%	4,639
Net interest margin	3.2668%	4,431
Noninterest income to average assets	0.5282%	3,183
Noninterest expense to average assets	2.6906%	3,623
Loan and lease loss provision to assets	0.1003%	2,154
Net operating income to assets	0.8071%	3,344
Return on assets (ROA)	0.8071%	3,448
Pretax return on assets	0.8071%	4,296
Return on Equity (ROE)	6.9552%	3,637
Retained earnings to average equity (ytd only)	4.6505%	3,080
Net charge-offs to loans	-0.0030%	4,644
Credit loss provision to net charge-offs	-5,250.0000%	5,593
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	74.7810%	2,567
Assets per employee ($millions)	3.6109%	4,609
Cash dividends to net income (ytd only)*	33.1361%	2,695
Condition Ratios (%)
Loss allowance to loans	1.2432%	3,539
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.8096%	2,952
Noncurrent loans to loans	0.0000%	5,787
Net loans and leases to total assets	65.7251%	2,999
Net loans and leases to deposits	75.1033%	3,375
Net loans and leases to core deposits	81.9755%	3,180
Total domestic deposits to total assets	87.5129%	1,897
Equity capital to assets	12.0544%	1,979
Core capital (leverage) ratio	11.8145%	1,764
Tier 1 risk-based capital ratio	17.2526%	2,306
Total risk-based capital ratio	18.4617%	2,276
Memoranda:
Average total assets	$209,393,670	2,895
Average earning assets	$196,767,000	2,851
Average equity	$24,298,330	2,775
Average total loans	$134,227,670	2,844
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4285%	5,149
Cost of funding earning assets	0.2734%	4,745
Net interest margin	3.1551%	4,768
Noninterest income to average assets	0.5165%	3,177
Noninterest expense to average assets	2.6894%	3,625
Loan and lease loss provision to assets	0.0995%	2,035
Net operating income to assets	0.6968%	3,817
Return on assets (ROA)	0.6968%	3,944
Pretax return on assets	0.6968%	4,604
Return on Equity (ROE)	6.1171%	3,973
Retained earnings to average equity (ytd only)	6.1171%	2,423
Net charge-offs to loans	-0.0030%	4,393
Credit loss provision to net charge-offs	-5,300.0000%	5,273
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.1552%	2,319
Assets per employee ($millions)	3.5815%	4,755
Cash dividends to net income (ytd only)*	0.0000%	2,870
Condition Ratios (%)
Loss allowance to loans	1.1988%	3,991
Loan loss allowance to noncurrent loans	3,375.0000%	195
Noncurrent assets plus other real estate owned to assets	0.3724%	4,526
Noncurrent loans to loans	0.0355%	5,651
Net loans and leases to total assets	66.5708%	2,676
Net loans and leases to deposits	76.2131%	3,029
Net loans and leases to core deposits	82.9777%	2,874
Total domestic deposits to total assets	87.3482%	2,188
Equity capital to assets	12.2415%	1,861
Core capital (leverage) ratio	11.2224%	2,215
Tier 1 risk-based capital ratio	16.9347%	2,502
Total risk-based capital ratio	18.0934%	2,494
Memoranda:
Average total assets	$212,986,000	2,879
Average earning assets	$200,438,000	2,836
Average equity	$24,260,000	2,804
Average total loans	$134,054,000	2,847
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7303%	4,703
Cost of funding earning assets	0.2668%	5,135
Net interest margin	3.4635%	3,930
Noninterest income to average assets	0.5038%	3,474
Noninterest expense to average assets	2.8041%	3,462
Loan and lease loss provision to assets	0.1489%	1,758
Net operating income to assets	0.7913%	3,420
Return on assets (ROA)	0.7883%	3,527
Pretax return on assets	0.7893%	4,298
Return on Equity (ROE)	6.6520%	3,812
Retained earnings to average equity (ytd only)	1.0598%	5,295
Net charge-offs to loans	0.0475%	3,878
Credit loss provision to net charge-offs	491.8033%	532
Earnings coverage of net charge-offs (x)	31.0820%	1,300
Efficiency ratio	74.8708%	2,679
Assets per employee ($millions)	4.0983%	3,722
Cash dividends to net income (ytd only)*	84.0680%	766
Condition Ratios (%)
Loss allowance to loans	1.1777%	4,133
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.4019%	4,489
Noncurrent loans to loans	0.0000%	5,950
Net loans and leases to total assets	58.2965%	4,014
Net loans and leases to deposits	65.5419%	4,373
Net loans and leases to core deposits	70.8960%	4,231
Total domestic deposits to total assets	88.9454%	1,267
Equity capital to assets	10.6332%	3,321
Core capital (leverage) ratio	11.6158%	1,888
Tier 1 risk-based capital ratio	17.1191%	2,466
Total risk-based capital ratio	18.2694%	2,460
Memoranda:
Average total assets	$201,453,000	2,967
Average earning assets	$188,536,600	2,928
Average equity	$23,872,400	2,768
Average total loans	$128,502,200	2,894
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8490%	4,373
Cost of funding earning assets	0.2672%	5,236
Net interest margin	3.5818%	3,500
Noninterest income to average assets	0.4795%	3,687
Noninterest expense to average assets	2.9106%	3,080
Loan and lease loss provision to assets	0.1535%	1,617
Net operating income to assets	0.7606%	3,622
Return on assets (ROA)	0.7565%	3,731
Pretax return on assets	0.7578%	4,510
Return on Equity (ROE)	6.2001%	4,131
Retained earnings to average equity (ytd only)	6.2001%	2,273
Net charge-offs to loans	-0.0031%	5,227
Credit loss provision to net charge-offs	-7,500.0000%	6,061
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.0742%	2,481
Assets per employee ($millions)	3.2948%	5,248
Cash dividends to net income (ytd only)*	0.0000%	3,806
Condition Ratios (%)
Loss allowance to loans	1.1586%	4,450
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.5175%	4,329
Noncurrent loans to loans	0.0000%	6,061
Net loans and leases to total assets	69.4178%	2,281
Net loans and leases to deposits	80.7401%	2,583
Net loans and leases to core deposits	87.4555%	2,484
Total domestic deposits to total assets	85.9768%	2,855
Equity capital to assets	12.9201%	1,469
Core capital (leverage) ratio	12.6691%	1,323
Tier 1 risk-based capital ratio	17.7307%	2,304
Total risk-based capital ratio	18.8718%	2,309
Memoranda:
Average total assets	$195,464,250	3,066
Average earning assets	$182,621,250	3,025
Average equity	$23,848,500	2,774
Average total loans	$127,385,000	2,925
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8138%	4,475
Cost of funding earning assets	0.2567%	5,415
Net interest margin	3.5571%	3,543
Noninterest income to average assets	0.4499%	3,874
Noninterest expense to average assets	2.8743%	3,252
Loan and lease loss provision to assets	0.1523%	1,617
Net operating income to assets	0.7424%	3,611
Return on assets (ROA)	0.7424%	3,712
Pretax return on assets	0.7445%	4,481
Return on Equity (ROE)	6.2033%	4,047
Retained earnings to average equity (ytd only)	6.2033%	2,213
Net charge-offs to loans	-0.0032%	5,105
Credit loss provision to net charge-offs	-7,500.0000%	5,935
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.2187%	2,588
Assets per employee ($millions)	3.3316%	5,195
Cash dividends to net income (ytd only)*	0.0000%	3,638
Condition Ratios (%)
Loss allowance to loans	1.1433%	4,694
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.8947%	3,306
Noncurrent loans to loans	0.0000%	6,120
Net loans and leases to total assets	67.3423%	2,525
Net loans and leases to deposits	77.6718%	2,842
Net loans and leases to core deposits	84.7667%	2,643
Total domestic deposits to total assets	86.7011%	2,633
Equity capital to assets	12.8287%	1,468
Core capital (leverage) ratio	12.3266%	1,485
Tier 1 risk-based capital ratio	17.8782%	2,283
Total risk-based capital ratio	18.9900%	2,304
Memoranda:
Average total assets	$196,919,670	3,070
Average earning assets	$183,857,330	3,029
Average equity	$23,568,000	2,793
Average total loans	$125,109,670	2,969
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7336%	4,732
Cost of funding earning assets	0.2436%	5,649
Net interest margin	3.4899%	3,740
Noninterest income to average assets	0.3892%	4,279
Noninterest expense to average assets	2.8699%	3,313
Loan and lease loss provision to assets	0.1497%	1,622
Net operating income to assets	0.6247%	4,070
Return on assets (ROA)	0.6247%	4,157
Pretax return on assets	0.6287%	4,731
Return on Equity (ROE)	5.4033%	4,331
Retained earnings to average equity (ytd only)	5.4033%	2,850
Net charge-offs to loans	-0.0033%	4,753
Credit loss provision to net charge-offs	-7,500.0000%	5,625
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	78.6652%	2,377
Assets per employee ($millions)	3.3026%	5,335
Cash dividends to net income (ytd only)*	0.0000%	2,852
Condition Ratios (%)
Loss allowance to loans	1.0874%	5,167
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.8870%	3,519
Noncurrent loans to loans	0.0000%	6,210
Net loans and leases to total assets	66.6265%	2,459
Net loans and leases to deposits	79.6989%	2,338
Net loans and leases to core deposits	86.2850%	2,294
Total domestic deposits to total assets	83.5978%	4,419
Equity capital to assets	12.3193%	1,676
Core capital (leverage) ratio	12.0274%	1,640
Tier 1 risk-based capital ratio	17.4958%	2,476
Total risk-based capital ratio	18.5464%	2,520
Memoranda:
Average total assets	$200,428,000	3,043
Average earning assets	$187,167,500	3,008
Average equity	$23,171,000	2,824
Average total loans	$122,982,500	3,009
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6597%	5,248
Cost of funding earning assets	0.3408%	5,232
Net interest margin	3.3189%	4,592
Noninterest income to average assets	0.5279%	3,568
Noninterest expense to average assets	2.8833%	3,423
Loan and lease loss provision to assets	0.1530%	2,363
Net operating income to assets	0.5718%	4,404
Return on assets (ROA)	0.5512%	4,628
Pretax return on assets	0.5569%	5,024
Return on Equity (ROE)	4.5303%	4,879
Retained earnings to average equity (ytd only)	1.8667%	4,907
Net charge-offs to loans	0.1696%	3,126
Credit loss provision to net charge-offs	157.7540%	1,460
Earnings coverage of net charge-offs (x)	7.5348%	2,825
Efficiency ratio	79.7819%	2,181
Assets per employee ($millions)	3.5475%	4,809
Cash dividends to net income (ytd only)*	58.7959%	1,825
Condition Ratios (%)
Loss allowance to loans	1.1348%	4,972
Loan loss allowance to noncurrent loans	386.8805%	1,198
Noncurrent assets plus other real estate owned to assets	1.0100%	3,400
Noncurrent loans to loans	0.2933%	5,301
Net loans and leases to total assets	55.2357%	4,427
Net loans and leases to deposits	62.2577%	4,697
Net loans and leases to core deposits	66.0349%	4,690
Total domestic deposits to total assets	88.7211%	1,792
Equity capital to assets	10.8665%	2,743
Core capital (leverage) ratio	12.4306%	1,390
Tier 1 risk-based capital ratio	18.7795%	1,985
Total risk-based capital ratio	19.8605%	2,013
Memoranda:
Average total assets	$192,836,400	3,112
Average earning assets	$179,304,200	3,078
Average equity	$23,464,400	2,776
Average total loans	$110,285,200	3,239
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7706%	4,959
Cost of funding earning assets	0.3775%	5,023
Net interest margin	3.3930%	4,316
Noninterest income to average assets	0.6083%	3,095
Noninterest expense to average assets	2.9666%	3,090
Loan and lease loss provision to assets	0.2084%	1,743
Net operating income to assets	0.5764%	4,441
Return on assets (ROA)	0.5687%	4,630
Pretax return on assets	0.5751%	5,113
Return on Equity (ROE)	4.5394%	4,963
Retained earnings to average equity (ytd only)	4.5394%	3,442
Net charge-offs to loans	0.2271%	2,447
Credit loss provision to net charge-offs	159.4595%	1,481
Earnings coverage of net charge-offs (x)	6.0541%	3,047
Efficiency ratio	78.9434%	2,273
Assets per employee ($millions)	3.0360%	5,791
Cash dividends to net income (ytd only)*	0.0000%	3,738
Condition Ratios (%)
Loss allowance to loans	1.2277%	4,753
Loan loss allowance to noncurrent loans	379.7143%	1,129
Noncurrent assets plus other real estate owned to assets	1.3533%	2,935
Noncurrent loans to loans	0.3233%	5,417
Net loans and leases to total assets	60.7195%	3,574
Net loans and leases to deposits	70.4132%	3,727
Net loans and leases to core deposits	75.5497%	3,668
Total domestic deposits to total assets	86.2332%	3,114
Equity capital to assets	13.2427%	1,223
Core capital (leverage) ratio	13.1441%	1,147
Tier 1 risk-based capital ratio	20.3558%	1,640
Total risk-based capital ratio	21.5109%	1,647
Memoranda:
Average total assets	$188,719,750	3,206
Average earning assets	$175,177,250	3,172
Average equity	$23,644,500	2,789
Average total loans	$108,622,250	3,298
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7101%	5,117
Cost of funding earning assets	0.4251%	4,708
Net interest margin	3.2850%	4,638
Noninterest income to average assets	0.5971%	3,214
Noninterest expense to average assets	2.8871%	3,370
Loan and lease loss provision to assets	0.1970%	1,930
Net operating income to assets	0.5576%	4,514
Return on assets (ROA)	0.5463%	4,739
Pretax return on assets	0.5536%	5,186
Return on Equity (ROE)	4.4373%	5,034
Retained earnings to average equity (ytd only)	4.4373%	3,452
Net charge-offs to loans	0.3421%	1,813
Credit loss provision to net charge-offs	102.1505%	2,169
Earnings coverage of net charge-offs (x)	3.9516%	3,254
Efficiency ratio	79.1193%	2,282
Assets per employee ($millions)	3.0375%	5,789
Cash dividends to net income (ytd only)*	0.0000%	3,522
Condition Ratios (%)
Loss allowance to loans	1.1112%	5,397
Loan loss allowance to noncurrent loans	270.5752%	1,544
Noncurrent assets plus other real estate owned to assets	1.4251%	2,963
Noncurrent loans to loans	0.4107%	5,231
Net loans and leases to total assets	60.7334%	3,531
Net loans and leases to deposits	69.9726%	3,714
Net loans and leases to core deposits	74.9465%	3,679
Total domestic deposits to total assets	86.7960%	2,944
Equity capital to assets	12.7626%	1,434
Core capital (leverage) ratio	12.7166%	1,280
Tier 1 risk-based capital ratio	19.9786%	1,726
Total risk-based capital ratio	21.0343%	1,746
Memoranda:
Average total assets	$192,929,670	3,151
Average earning assets	$179,241,330	3,124
Average equity	$23,753,000	2,793
Average total loans	$108,746,330	3,306
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5914%	5,471
Cost of funding earning assets	0.5014%	4,077
Net interest margin	3.0900%	5,300
Noninterest income to average assets	0.5266%	3,594
Noninterest expense to average assets	2.8490%	3,543
Loan and lease loss provision to assets	0.2102%	1,762
Net operating income to assets	0.3324%	5,436
Return on assets (ROA)	0.3324%	5,573
Pretax return on assets	0.3424%	5,743
Return on Equity (ROE)	2.7445%	5,689
Retained earnings to average equity (ytd only)	2.7445%	4,639
Net charge-offs to loans	0.4552%	1,308
Credit loss provision to net charge-offs	85.3659%	2,095
Earnings coverage of net charge-offs (x)	2.2439%	3,093
Efficiency ratio	83.7552%	1,803
Assets per employee ($millions)	3.1724%	5,689
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	1.0959%	5,626
Loan loss allowance to noncurrent loans	117.5147%	2,936
Noncurrent assets plus other real estate owned to assets	1.8614%	2,527
Noncurrent loans to loans	0.9325%	4,271
Net loans and leases to total assets	58.9089%	3,625
Net loans and leases to deposits	68.1370%	3,759
Net loans and leases to core deposits	72.8614%	3,718
Total domestic deposits to total assets	86.4566%	3,268
Equity capital to assets	13.1353%	1,367
Core capital (leverage) ratio	11.4776%	1,898
Tier 1 risk-based capital ratio	19.5223%	1,899
Total risk-based capital ratio	20.5520%	1,927
Memoranda:
Average total assets	$199,789,000	3,098
Average earning assets	$185,887,500	3,073
Average equity	$24,193,500	2,785
Average total loans	$108,087,500	3,333
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6961%	6,057
Cost of funding earning assets	0.5493%	4,826
Net interest margin	3.1468%	5,701
Noninterest income to average assets	0.5138%	3,808
Noninterest expense to average assets	2.7814%	4,099
Loan and lease loss provision to assets	0.3354%	2,005
Net operating income to assets	0.3590%	5,256
Return on assets (ROA)	0.3771%	5,422
Pretax return on assets	0.3761%	5,636
Return on Equity (ROE)	3.0614%	5,535
Retained earnings to average equity (ytd only)	0.0000%	5,830
Net charge-offs to loans	0.6488%	1,811
Credit loss provision to net charge-offs	96.9477%	3,204
Earnings coverage of net charge-offs (x)	2.0044%	4,412
Efficiency ratio	80.0463%	2,139
Assets per employee ($millions)	3.9196%	4,106
Cash dividends to net income (ytd only)*	100.0000%	470
Condition Ratios (%)
Loss allowance to loans	1.1437%	5,372
Loan loss allowance to noncurrent loans	115.5450%	2,963
Noncurrent assets plus other real estate owned to assets	1.9538%	2,509
Noncurrent loans to loans	0.9899%	4,213
Net loans and leases to total assets	48.8744%	5,320
Net loans and leases to deposits	56.6984%	5,369
Net loans and leases to core deposits	60.5445%	5,313
Total domestic deposits to total assets	86.2008%	3,253
Equity capital to assets	11.2340%	2,701
Core capital (leverage) ratio	11.7393%	1,714
Tier 1 risk-based capital ratio	19.9972%	1,678
Total risk-based capital ratio	21.0756%	1,692
Memoranda:
Average total assets	$198,892,800	3,058
Average earning assets	$187,143,600	3,001
Average equity	$24,498,400	2,710
Average total loans	$106,035,800	3,374
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7805%	6,065
Cost of funding earning assets	0.5683%	4,931
Net interest margin	3.2122%	5,674
Noninterest income to average assets	0.5341%	3,718
Noninterest expense to average assets	2.8717%	3,701
Loan and lease loss provision to assets	0.3848%	1,676
Net operating income to assets	0.3129%	5,569
Return on assets (ROA)	0.3129%	5,774
Pretax return on assets	0.3081%	5,939
Return on Equity (ROE)	2.4801%	5,889
Retained earnings to average equity (ytd only)	-0.2333%	6,127
Net charge-offs to loans	0.0415%	5,068
Credit loss provision to net charge-offs	1,703.0303%	159
Earnings coverage of net charge-offs (x)	30.6659%	1,076
Efficiency ratio	80.5609%	2,011
Assets per employee ($millions)	3.2059%	5,622
Cash dividends to net income (ytd only)*	109.4088%	251
Condition Ratios (%)
Loss allowance to loans	1.6541%	3,315
Loan loss allowance to noncurrent loans	68.1433%	4,293
Noncurrent assets plus other real estate owned to assets	2.4626%	2,150
Noncurrent loans to loans	2.4274%	2,365
Net loans and leases to total assets	56.5636%	4,364
Net loans and leases to deposits	67.5238%	4,254
Net loans and leases to core deposits	73.2651%	4,076
Total domestic deposits to total assets	83.7685%	4,329
Equity capital to assets	13.2042%	1,495
Core capital (leverage) ratio	11.9841%	1,665
Tier 1 risk-based capital ratio	20.0105%	1,755
Total risk-based capital ratio	21.2646%	1,726
Memoranda:
Average total assets	$194,721,750	3,149
Average earning assets	$183,710,500	3,070
Average equity	$24,568,500	2,727
Average total loans	$105,899,500	3,413
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7528%	6,245
Cost of funding earning assets	0.5849%	5,023
Net interest margin	3.1679%	5,828
Noninterest income to average assets	0.5282%	3,736
Noninterest expense to average assets	2.8708%	3,741
Loan and lease loss provision to assets	0.1062%	4,199
Net operating income to assets	0.5545%	4,561
Return on assets (ROA)	0.5545%	4,839
Pretax return on assets	0.5434%	5,327
Return on Equity (ROE)	4.4600%	5,060
Retained earnings to average equity (ytd only)	0.3907%	5,913
Net charge-offs to loans	-0.0057%	6,187
Credit loss provision to net charge-offs	-3,500.0000%	6,539
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	81.5464%	1,959
Assets per employee ($millions)	3.3174%	5,405
Cash dividends to net income (ytd only)*	91.2409%	578
Condition Ratios (%)
Loss allowance to loans	1.2868%	4,942
Loan loss allowance to noncurrent loans	255.3030%	1,371
Noncurrent assets plus other real estate owned to assets	1.3507%	3,734
Noncurrent loans to loans	0.5040%	5,527
Net loans and leases to total assets	54.6884%	4,675
Net loans and leases to deposits	65.0398%	4,638
Net loans and leases to core deposits	70.4465%	4,476
Total domestic deposits to total assets	84.0846%	4,286
Equity capital to assets	12.9793%	1,533
Core capital (leverage) ratio	11.9463%	1,628
Tier 1 risk-based capital ratio	20.9324%	1,492
Total risk-based capital ratio	22.1827%	1,464
Memoranda:
Average total assets	$197,648,670	3,112
Average earning assets	$186,688,000	3,034
Average equity	$24,574,000	2,712
Average total loans	$105,551,330	3,444
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6911%	6,451
Cost of funding earning assets	0.6225%	4,946
Net interest margin	3.0686%	6,131
Noninterest income to average assets	0.5269%	3,721
Noninterest expense to average assets	2.9535%	3,432
Loan and lease loss provision to assets	0.0000%	5,254
Net operating income to assets	0.5051%	4,806
Return on assets (ROA)	0.5051%	5,016
Pretax return on assets	0.4734%	5,512
Return on Equity (ROE)	4.1481%	5,226
Retained earnings to average equity (ytd only)	-3.9854%	6,493
Net charge-offs to loans	-0.0038%	5,765
Credit loss provision to net charge-offs	0.0000%	3,998
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	86.1850%	1,463
Assets per employee ($millions)	3.3808%	5,385
Cash dividends to net income (ytd only)*	196.0784%	173
Condition Ratios (%)
Loss allowance to loans	1.1434%	5,737
Loan loss allowance to noncurrent loans	215.8261%	1,530
Noncurrent assets plus other real estate owned to assets	1.3684%	3,831
Noncurrent loans to loans	0.5298%	5,604
Net loans and leases to total assets	55.6778%	4,441
Net loans and leases to deposits	65.9816%	4,385
Net loans and leases to core deposits	71.1296%	4,271
Total domestic deposits to total assets	84.3839%	4,331
Equity capital to assets	12.6909%	1,600
Core capital (leverage) ratio	11.2113%	2,103
Tier 1 risk-based capital ratio	20.0032%	1,713
Total risk-based capital ratio	21.2075%	1,695
Memoranda:
Average total assets	$201,926,500	3,084
Average earning assets	$190,839,000	3,011
Average equity	$24,589,500	2,703
Average total loans	$105,947,000	3,459
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9809%	6,489
Cost of funding earning assets	0.7059%	5,498
Net interest margin	3.2750%	5,886
Noninterest income to average assets	0.4885%	3,935
Noninterest expense to average assets	2.7597%	4,511
Loan and lease loss provision to assets	0.3423%	2,957
Net operating income to assets	0.4273%	4,748
Return on assets (ROA)	0.4273%	4,942
Pretax return on assets	0.4314%	5,199
Return on Equity (ROE)	3.4324%	5,106
Retained earnings to average equity (ytd only)	3.4324%	3,781
Net charge-offs to loans	1.1096%	1,550
Credit loss provision to net charge-offs	58.1294%	5,219
Earnings coverage of net charge-offs (x)	1.3138%	4,793
Efficiency ratio	78.1031%	2,575
Assets per employee ($millions)	3.5788%	4,833
Cash dividends to net income (ytd only)*	0.0000%	4,078
Condition Ratios (%)
Loss allowance to loans	1.1997%	5,391
Loan loss allowance to noncurrent loans	116.1049%	2,680
Noncurrent assets plus other real estate owned to assets	1.7220%	3,369
Noncurrent loans to loans	1.0333%	4,641
Net loans and leases to total assets	48.3637%	5,790
Net loans and leases to deposits	56.4680%	5,844
Net loans and leases to core deposits	60.0552%	5,843
Total domestic deposits to total assets	85.6480%	3,515
Equity capital to assets	11.7088%	2,335
Core capital (leverage) ratio	11.8453%	1,691
Tier 1 risk-based capital ratio	20.9426%	1,424
Total risk-based capital ratio	22.0915%	1,426
Memoranda:
Average total assets	$194,260,600	3,126
Average earning assets	$180,611,800	3,081
Average equity	$24,181,200	2,650
Average total loans	$103,104,200	3,544
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1282%	6,350
Cost of funding earning assets	0.7508%	5,466
Net interest margin	3.3774%	5,643
Noninterest income to average assets	0.6132%	3,088
Noninterest expense to average assets	2.8415%	4,188
Loan and lease loss provision to assets	0.4666%	2,120
Net operating income to assets	0.4329%	4,845
Return on assets (ROA)	0.4329%	5,039
Pretax return on assets	0.4329%	5,364
Return on Equity (ROE)	3.4212%	5,259
Retained earnings to average equity (ytd only)	3.4212%	4,301
Net charge-offs to loans	1.1503%	1,370
Credit loss provision to net charge-offs	74.8031%	4,327
Earnings coverage of net charge-offs (x)	1.4421%	4,553
Efficiency ratio	75.9565%	2,846
Assets per employee ($millions)	3.0623%	5,982
Cash dividends to net income (ytd only)*	0.0000%	3,512
Condition Ratios (%)
Loss allowance to loans	1.4927%	4,135
Loan loss allowance to noncurrent loans	101.0825%	2,927
Noncurrent assets plus other real estate owned to assets	2.2161%	2,874
Noncurrent loans to loans	1.4767%	4,084
Net loans and leases to total assets	54.5712%	5,078
Net loans and leases to deposits	65.6340%	4,955
Net loans and leases to core deposits	70.7167%	4,864
Total domestic deposits to total assets	83.1448%	4,626
Equity capital to assets	13.7131%	1,279
Core capital (leverage) ratio	12.3641%	1,503
Tier 1 risk-based capital ratio	21.4152%	1,379
Total risk-based capital ratio	22.6672%	1,354
Memoranda:
Average total assets	$190,038,750	3,202
Average earning assets	$175,988,750	3,156
Average equity	$24,045,750	2,667
Average total loans	$103,040,500	3,570
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0961%	6,500
Cost of funding earning assets	0.8035%	5,343
Net interest margin	3.2926%	5,881
Noninterest income to average assets	0.6337%	2,927
Noninterest expense to average assets	2.8111%	4,383
Loan and lease loss provision to assets	0.5177%	1,893
Net operating income to assets	0.3458%	5,189
Return on assets (ROA)	0.3458%	5,326
Pretax return on assets	0.3386%	5,577
Return on Equity (ROE)	2.8064%	5,476
Retained earnings to average equity (ytd only)	2.8064%	4,493
Net charge-offs to loans	1.6535%	881
Credit loss provision to net charge-offs	58.1395%	4,384
Earnings coverage of net charge-offs (x)	0.9616%	4,580
Efficiency ratio	76.6516%	2,911
Assets per employee ($millions)	3.3328%	5,363
Cash dividends to net income (ytd only)*	0.0000%	3,290
Condition Ratios (%)
Loss allowance to loans	1.3491%	4,834
Loan loss allowance to noncurrent loans	177.0535%	1,705
Noncurrent assets plus other real estate owned to assets	1.8820%	3,390
Noncurrent loans to loans	0.7620%	5,384
Net loans and leases to total assets	55.1784%	5,125
Net loans and leases to deposits	66.1652%	4,980
Net loans and leases to core deposits	71.7141%	4,850
Total domestic deposits to total assets	83.3949%	4,584
Equity capital to assets	13.5029%	1,293
Core capital (leverage) ratio	12.2415%	1,485
Tier 1 risk-based capital ratio	21.0356%	1,410
Total risk-based capital ratio	22.2858%	1,389
Memoranda:
Average total assets	$193,160,330	3,183
Average earning assets	$177,975,330	3,162
Average equity	$23,802,330	2,673
Average total loans	$104,024,000	3,582
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0252%	6,644
Cost of funding earning assets	0.9069%	4,870
Net interest margin	3.1183%	6,296
Noninterest income to average assets	0.6268%	2,993
Noninterest expense to average assets	2.7073%	4,810
Loan and lease loss provision to assets	0.6708%	1,273
Net operating income to assets	0.1221%	6,034
Return on assets (ROA)	0.1221%	6,093
Pretax return on assets	0.0921%	6,189
Return on Equity (ROE)	1.0360%	6,119
Retained earnings to average equity (ytd only)	1.0360%	5,410
Net charge-offs to loans	0.1514%	3,581
Credit loss provision to net charge-offs	837.5000%	457
Earnings coverage of net charge-offs (x)	9.5250%	1,713
Efficiency ratio	78.0150%	2,840
Assets per employee ($millions)	3.3250%	5,421
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	1.9150%	2,641
Loan loss allowance to noncurrent loans	92.5586%	3,091
Noncurrent assets plus other real estate owned to assets	2.4656%	2,763
Noncurrent loans to loans	2.0690%	3,488
Net loans and leases to total assets	56.4350%	4,925
Net loans and leases to deposits	67.1029%	4,813
Net loans and leases to core deposits	73.2298%	4,626
Total domestic deposits to total assets	84.1022%	4,451
Equity capital to assets	12.8766%	1,438
Core capital (leverage) ratio	11.1799%	2,042
Tier 1 risk-based capital ratio	20.3738%	1,507
Total risk-based capital ratio	21.6315%	1,483
Memoranda:
Average total assets	$199,756,000	3,117
Average earning assets	$182,152,500	3,111
Average equity	$23,553,000	2,684
Average total loans	$105,705,000	3,585
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4923%	6,416
Cost of funding earning assets	1.1565%	4,813
Net interest margin	3.3358%	5,851
Noninterest income to average assets	0.3091%	5,591
Noninterest expense to average assets	2.7382%	4,819
Loan and lease loss provision to assets	0.6262%	2,623
Net operating income to assets	0.0055%	5,824
Return on assets (ROA)	0.0055%	5,955
Pretax return on assets	0.0215%	5,855
Return on Equity (ROE)	0.0450%	5,956
Retained earnings to average equity (ytd only)	-3.7176%	6,182
Net charge-offs to loans	1.2023%	1,862
Credit loss provision to net charge-offs	93.8623%	4,951
Earnings coverage of net charge-offs (x)	0.9708%	5,137
Efficiency ratio	80.8702%	2,298
Assets per employee ($millions)	3.8007%	4,256
Cash dividends to net income (ytd only)*	8,363.6364%	2
Condition Ratios (%)
Loss allowance to loans	1.6188%	3,509
Loan loss allowance to noncurrent loans	73.3988%	3,788
Noncurrent assets plus other real estate owned to assets	2.3177%	2,950
Noncurrent loans to loans	2.2055%	3,316
Net loans and leases to total assets	48.2238%	6,369
Net loans and leases to deposits	57.1855%	6,336
Net loans and leases to core deposits	61.2152%	6,300
Total domestic deposits to total assets	84.3287%	4,210
Equity capital to assets	10.8744%	2,798
Core capital (leverage) ratio	11.2039%	2,010
Tier 1 risk-based capital ratio	19.5040%	1,594
Total risk-based capital ratio	20.7579%	1,564
Memoranda:
Average total assets	$200,240,200	3,095
Average earning assets	$184,693,800	3,068
Average equity	$24,451,000	2,613
Average total loans	$111,123,000	3,520
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6756%	6,104
Cost of funding earning assets	1.2252%	4,712
Net interest margin	3.4504%	5,495
Noninterest income to average assets	0.1767%	6,617
Noninterest expense to average assets	2.7673%	4,611
Loan and lease loss provision to assets	0.7709%	1,982
Net operating income to assets	-0.1693%	6,278
Return on assets (ROA)	-0.1693%	6,357
Pretax return on assets	-0.1529%	6,273
Return on Equity (ROE)	-1.3455%	6,317
Retained earnings to average equity (ytd only)	-6.3168%	6,668
Net charge-offs to loans	0.7393%	2,574
Credit loss provision to net charge-offs	182.0225%	2,003
Earnings coverage of net charge-offs (x)	1.4591%	4,636
Efficiency ratio	81.7470%	2,087
Assets per employee ($millions)	3.4540%	5,090
Cash dividends to net income (ytd only)*	-369.4810%	7,737
Condition Ratios (%)
Loss allowance to loans	2.1378%	1,909
Loan loss allowance to noncurrent loans	66.6667%	3,980
Noncurrent assets plus other real estate owned to assets	3.4372%	2,067
Noncurrent loans to loans	3.2067%	2,478
Net loans and leases to total assets	56.7447%	5,452
Net loans and leases to deposits	69.5077%	5,215
Net loans and leases to core deposits	77.2738%	4,892
Total domestic deposits to total assets	81.6380%	5,150
Equity capital to assets	12.7608%	1,706
Core capital (leverage) ratio	11.3640%	2,033
Tier 1 risk-based capital ratio	19.7752%	1,588
Total risk-based capital ratio	21.0362%	1,559
Memoranda:
Average total assets	$196,140,750	3,189
Average earning assets	$182,390,250	3,143
Average equity	$24,674,250	2,631
Average total loans	$112,356,250	3,544
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7133%	6,099
Cost of funding earning assets	1.2740%	4,694
Net interest margin	3.4394%	5,481
Noninterest income to average assets	0.4816%	4,271
Noninterest expense to average assets	2.7239%	4,821
Loan and lease loss provision to assets	0.1806%	5,061
Net operating income to assets	0.7545%	3,174
Return on assets (ROA)	0.7545%	3,331
Pretax return on assets	0.7705%	3,984
Return on Equity (ROE)	6.0244%	3,795
Retained earnings to average equity (ytd only)	-1.3459%	6,038
Net charge-offs to loans	0.1055%	5,098
Credit loss provision to net charge-offs	300.0000%	1,219
Earnings coverage of net charge-offs (x)	15.8000%	1,435
Efficiency ratio	74.1196%	3,453
Assets per employee ($millions)	3.2872%	5,459
Cash dividends to net income (ytd only)*	122.3404%	274
Condition Ratios (%)
Loss allowance to loans	1.7001%	3,079
Loan loss allowance to noncurrent loans	70.8595%	3,807
Noncurrent assets plus other real estate owned to assets	2.6828%	2,693
Noncurrent loans to loans	2.3992%	3,258
Net loans and leases to total assets	58.2585%	5,375
Net loans and leases to deposits	71.6183%	5,056
Net loans and leases to core deposits	80.2594%	4,667
Total domestic deposits to total assets	81.3458%	5,274
Equity capital to assets	13.1869%	1,481
Core capital (leverage) ratio	11.8632%	1,725
Tier 1 risk-based capital ratio	19.7403%	1,558
Total risk-based capital ratio	20.9958%	1,530
Memoranda:
Average total assets	$199,349,000	3,174
Average earning assets	$185,091,330	3,137
Average equity	$24,965,330	2,593
Average total loans	$113,758,330	3,545
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7130%	6,205
Cost of funding earning assets	1.3484%	4,509
Net interest margin	3.3646%	5,732
Noninterest income to average assets	0.4418%	4,544
Noninterest expense to average assets	2.6059%	5,336
Loan and lease loss provision to assets	0.1178%	5,423
Net operating income to assets	0.8091%	2,924
Return on assets (ROA)	0.8091%	3,020
Pretax return on assets	0.8248%	3,770
Return on Equity (ROE)	6.6246%	3,553
Retained earnings to average equity (ytd only)	-1.1738%	6,075
Net charge-offs to loans	0.1612%	3,960
Credit loss provision to net charge-offs	130.4348%	2,704
Earnings coverage of net charge-offs (x)	10.4348%	1,742
Efficiency ratio	73.4366%	3,684
Assets per employee ($millions)	3.2642%	5,618
Cash dividends to net income (ytd only)*	117.7184%	452
Condition Ratios (%)
Loss allowance to loans	1.5540%	3,640
Loan loss allowance to noncurrent loans	65.3113%	4,095
Noncurrent assets plus other real estate owned to assets	2.7418%	2,653
Noncurrent loans to loans	2.3793%	3,298
Net loans and leases to total assets	60.7337%	4,991
Net loans and leases to deposits	74.6790%	4,645
Net loans and leases to core deposits	83.7600%	4,240
Total domestic deposits to total assets	81.3263%	5,336
Equity capital to assets	13.1541%	1,463
Core capital (leverage) ratio	11.1929%	2,097
Tier 1 risk-based capital ratio	19.1323%	1,689
Total risk-based capital ratio	20.3857%	1,656
Memoranda:
Average total assets	$203,694,000	3,172
Average earning assets	$188,074,000	3,144
Average equity	$24,877,000	2,620
Average total loans	$114,139,500	3,591
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7517%	7,047
Cost of funding earning assets	1.6489%	4,800
Net interest margin	3.1028%	6,357
Noninterest income to average assets	0.3573%	5,539
Noninterest expense to average assets	2.6136%	5,748
Loan and lease loss provision to assets	0.3220%	4,881
Net operating income to assets	0.2861%	4,587
Return on assets (ROA)	0.4165%	4,167
Pretax return on assets	0.4185%	4,442
Return on Equity (ROE)	3.4664%	4,302
Retained earnings to average equity (ytd only)	3.4664%	2,742
Net charge-offs to loans	0.3787%	4,316
Credit loss provision to net charge-offs	157.8049%	2,847
Earnings coverage of net charge-offs (x)	2.9902%	3,584
Efficiency ratio	81.0744%	2,740
Assets per employee ($millions)	3.8940%	4,034
Cash dividends to net income (ytd only)*	0.0000%	4,015
Condition Ratios (%)
Loss allowance to loans	1.6155%	3,213
Loan loss allowance to noncurrent loans	99.1740%	2,833
Noncurrent assets plus other real estate owned to assets	1.9389%	3,470
Noncurrent loans to loans	1.6290%	4,201
Net loans and leases to total assets	50.2969%	6,607
Net loans and leases to deposits	61.1226%	6,547
Net loans and leases to core deposits	77.8865%	6,267
Total domestic deposits to total assets	82.2886%	4,823
Equity capital to assets	11.3958%	2,398
Core capital (leverage) ratio	11.6924%	1,817
Tier 1 risk-based capital ratio	19.5274%	1,559
Total risk-based capital ratio	20.7808%	1,516
Memoranda:
Average total assets	$200,945,800	3,172
Average earning assets	$185,637,200	3,146
Average equity	$24,146,000	2,705
Average total loans	$108,272,200	3,735
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8821%	6,923
Cost of funding earning assets	1.7449%	4,668
Net interest margin	3.1372%	6,211
Noninterest income to average assets	0.3207%	5,914
Noninterest expense to average assets	2.6799%	5,411
Loan and lease loss provision to assets	0.3417%	4,281
Net operating income to assets	0.2004%	5,155
Return on assets (ROA)	0.3763%	4,595
Pretax return on assets	0.3790%	4,850
Return on Equity (ROE)	3.0871%	4,755
Retained earnings to average equity (ytd only)	3.0871%	3,597
Net charge-offs to loans	0.4404%	3,482
Credit loss provision to net charge-offs	141.9718%	3,452
Earnings coverage of net charge-offs (x)	2.2563%	4,130
Efficiency ratio	83.1510%	2,410
Assets per employee ($millions)	3.0027%	6,154
Cash dividends to net income (ytd only)*	0.0000%	3,688
Condition Ratios (%)
Loss allowance to loans	1.5720%	3,111
Loan loss allowance to noncurrent loans	119.5394%	2,373
Noncurrent assets plus other real estate owned to assets	1.9150%	3,475
Noncurrent loans to loans	1.3151%	4,742
Net loans and leases to total assets	57.6123%	5,950
Net loans and leases to deposits	72.6279%	5,563
Net loans and leases to core deposits	98.0456%	4,596
Total domestic deposits to total assets	79.3253%	5,685
Equity capital to assets	13.2286%	1,608
Core capital (leverage) ratio	11.8932%	1,846
Tier 1 risk-based capital ratio	20.4115%	1,475
Total risk-based capital ratio	21.6652%	1,433
Memoranda:
Average total assets	$196,666,500	3,236
Average earning assets	$181,939,250	3,215
Average equity	$23,970,000	2,763
Average total loans	$107,470,250	3,787
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8580%	7,121
Cost of funding earning assets	1.7784%	4,869
Net interest margin	3.0796%	6,307
Noninterest income to average assets	0.3917%	5,364
Noninterest expense to average assets	2.7117%	5,341
Loan and lease loss provision to assets	0.0899%	6,271
Net operating income to assets	0.4263%	4,397
Return on assets (ROA)	0.6874%	3,421
Pretax return on assets	0.6914%	4,029
Return on Equity (ROE)	5.7934%	3,752
Retained earnings to average equity (ytd only)	5.7934%	2,119
Net charge-offs to loans	0.5964%	2,550
Credit loss provision to net charge-offs	28.2132%	6,047
Earnings coverage of net charge-offs (x)	1.6238%	4,325
Efficiency ratio	83.9728%	2,476
Assets per employee ($millions)	3.2723%	5,389
Cash dividends to net income (ytd only)*	0.0000%	3,532
Condition Ratios (%)
Loss allowance to loans	1.2282%	4,756
Loan loss allowance to noncurrent loans	2,567.3077%	161
Noncurrent assets plus other real estate owned to assets	1.6587%	3,708
Noncurrent loans to loans	0.0478%	7,421
Net loans and leases to total assets	56.5691%	6,147
Net loans and leases to deposits	70.7047%	5,912
Net loans and leases to core deposits	98.4404%	4,654
Total domestic deposits to total assets	80.0075%	5,477
Equity capital to assets	12.6334%	1,859
Core capital (leverage) ratio	11.8901%	1,877
Tier 1 risk-based capital ratio	20.2469%	1,525
Total risk-based capital ratio	21.4465%	1,497
Memoranda:
Average total assets	$200,167,000	3,225
Average earning assets	$184,436,670	3,207
Average equity	$23,751,000	2,784
Average total loans	$106,971,330	3,834
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7482%	7,439
Cost of funding earning assets	1.8086%	5,075
Net interest margin	2.9395%	6,639
Noninterest income to average assets	0.3759%	5,423
Noninterest expense to average assets	2.5789%	5,536
Loan and lease loss provision to assets	0.0584%	6,229
Net operating income to assets	0.4344%	4,726
Return on assets (ROA)	0.4383%	4,881
Pretax return on assets	0.4461%	5,254
Return on Equity (ROE)	3.8074%	5,024
Retained earnings to average equity (ytd only)	3.8074%	3,771
Net charge-offs to loans	0.0151%	5,373
Credit loss provision to net charge-offs	750.0000%	792
Earnings coverage of net charge-offs (x)	64.2500%	616
Efficiency ratio	83.7445%	2,334
Assets per employee ($millions)	3.2054%	5,581
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	1.5252%	2,838
Loan loss allowance to noncurrent loans	78.0177%	3,765
Noncurrent assets plus other real estate owned to assets	2.8640%	1,988
Noncurrent loans to loans	1.9549%	3,330
Net loans and leases to total assets	53.3800%	6,540
Net loans and leases to deposits	66.4851%	6,332
Net loans and leases to core deposits	94.0981%	5,138
Total domestic deposits to total assets	80.2887%	5,247
Equity capital to assets	12.4963%	1,974
Core capital (leverage) ratio	10.9141%	2,570
Tier 1 risk-based capital ratio	20.6440%	1,499
Total risk-based capital ratio	21.8968%	1,472
Memoranda:
Average total assets	$205,355,000	3,176
Average earning assets	$188,872,500	3,170
Average equity	$23,638,000	2,806
Average total loans	$106,108,000	3,881
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3619%	7,520
Cost of funding earning assets	2.4520%	4,463
Net interest margin	2.9099%	7,136
Noninterest income to average assets	0.3885%	5,576
Noninterest expense to average assets	2.6113%	5,609
Loan and lease loss provision to assets	0.0592%	6,668
Net operating income to assets	0.4318%	5,023
Return on assets (ROA)	0.4453%	4,794
Pretax return on assets	0.4576%	5,100
Return on Equity (ROE)	4.0950%	4,782
Retained earnings to average equity (ytd only)	2.2791%	3,792
Net charge-offs to loans	0.1650%	4,552
Credit loss provision to net charge-offs	67.7966%	6,111
Earnings coverage of net charge-offs (x)	5.7571%	3,544
Efficiency ratio	83.8485%	2,071
Assets per employee ($millions)	3.6398%	4,312
Cash dividends to net income (ytd only)*	44.3459%	3,441
Condition Ratios (%)
Loss allowance to loans	1.4486%	2,933
Loan loss allowance to noncurrent loans	35.9788%	6,336
Noncurrent assets plus other real estate owned to assets	2.7002%	1,758
Noncurrent loans to loans	4.0263%	1,218
Net loans and leases to total assets	48.7209%	7,130
Net loans and leases to deposits	59.8172%	7,103
Net loans and leases to core deposits	77.8252%	6,756
Total domestic deposits to total assets	81.4496%	4,436
Equity capital to assets	10.6429%	3,352
Core capital (leverage) ratio	11.0745%	2,533
Tier 1 risk-based capital ratio	19.2807%	1,756
Total risk-based capital ratio	20.5319%	1,709
Memoranda:
Average total assets	$202,581,200	3,110
Average earning assets	$189,763,400	3,044
Average equity	$22,026,600	2,972
Average total loans	$107,250,200	3,759