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Peru Federal Savings Bank, Performance and Condition Ratios

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2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7397%	4,242
Cost of funding earning assets	1.0661%	3,158
Net interest margin	2.6735%	3,857
Noninterest income to average assets	0.3400%	2,844
Noninterest expense to average assets	2.1177%	3,363
Loan and lease loss provision to assets	0.0500%	2,105
Net operating income to assets	0.5517%	3,562
Return on assets (ROA)	0.5599%	3,527
Pretax return on assets	0.6883%	3,464
Return on Equity (ROE)	4.8300%	3,757
Retained earnings to average equity (ytd only)	4.8332%	2,659
Net charge-offs to loans	0.0000%	2,917
Credit loss provision to net charge-offs	0.0000%	2,397
Earnings coverage of net charge-offs (x)	0.0000%	2,831
Efficiency ratio	74.3383%	1,420
Assets per employee ($millions)	8.4877%	1,187
Cash dividends to net income (ytd only)*	0.0000%	3,404
Condition Ratios (%)
Loss allowance to loans	0.7386%	4,070
Loan loss allowance to noncurrent loans	202.7027%	2,496
Noncurrent assets plus other real estate owned to assets	0.1706%	2,398
Noncurrent loans to loans	0.3644%	1,896
Net loans and leases to total assets	46.4700%	3,798
Net loans and leases to deposits	55.5764%	3,731
Net loans and leases to core deposits	59.2993%	3,786
Total domestic deposits to total assets	83.6200%	2,727
Equity capital to assets	14.0643%	671
Core capital (leverage) ratio	15.7065%	524
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	33.6401%	202
Memoranda:
Average total assets	$186,995,200	3,076
Average earning assets	$175,310,400	3,048
Average equity	$21,662,800	2,720
Average total loans	$86,786,600	3,334
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5951%	4,312
Cost of funding earning assets	0.9816%	3,085
Net interest margin	2.6135%	4,011
Noninterest income to average assets	0.3400%	2,860
Noninterest expense to average assets	2.1080%	3,337
Loan and lease loss provision to assets	0.0600%	1,749
Net operating income to assets	0.5158%	3,729
Return on assets (ROA)	0.5205%	3,707
Pretax return on assets	0.6330%	3,673
Return on Equity (ROE)	4.7600%	3,856
Retained earnings to average equity (ytd only)	4.7621%	3,018
Net charge-offs to loans	0.0000%	2,666
Credit loss provision to net charge-offs	0.0000%	2,098
Earnings coverage of net charge-offs (x)	0.0000%	2,572
Efficiency ratio	75.4191%	1,230
Assets per employee ($millions)	8.7805%	1,014
Cash dividends to net income (ytd only)*	0.0000%	3,002
Condition Ratios (%)
Loss allowance to loans	0.7296%	4,096
Loan loss allowance to noncurrent loans	169.9739%	2,693
Noncurrent assets plus other real estate owned to assets	0.1896%	2,328
Noncurrent loans to loans	0.4293%	1,755
Net loans and leases to total assets	43.8600%	3,921
Net loans and leases to deposits	49.1275%	3,969
Net loans and leases to core deposits	52.8258%	3,966
Total domestic deposits to total assets	89.2700%	1,163
Equity capital to assets	9.8504%	1,911
Core capital (leverage) ratio	13.2994%	986
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	26.9497%	324
Memoranda:
Average total assets	$184,939,750	3,093
Average earning assets	$173,453,000	3,072
Average equity	$20,214,500	2,827
Average total loans	$85,634,750	3,349
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5676%	4,282
Cost of funding earning assets	0.9029%	2,918
Net interest margin	2.6647%	4,017
Noninterest income to average assets	0.3300%	2,899
Noninterest expense to average assets	2.2592%	2,923
Loan and lease loss provision to assets	0.0100%	2,681
Net operating income to assets	0.4634%	3,886
Return on assets (ROA)	0.4708%	3,874
Pretax return on assets	0.5667%	3,856
Return on Equity (ROE)	4.1500%	4,008
Retained earnings to average equity (ytd only)	4.1532%	3,174
Net charge-offs to loans	0.0000%	2,455
Credit loss provision to net charge-offs	0.0000%	1,862
Earnings coverage of net charge-offs (x)	0.0000%	2,403
Efficiency ratio	79.8187%	853
Assets per employee ($millions)	8.0308%	1,301
Cash dividends to net income (ytd only)*	0.0000%	2,909
Condition Ratios (%)
Loss allowance to loans	0.7028%	4,178
Loan loss allowance to noncurrent loans	185.1735%	2,682
Noncurrent assets plus other real estate owned to assets	0.1716%	2,355
Noncurrent loans to loans	0.3795%	1,786
Net loans and leases to total assets	44.9000%	3,845
Net loans and leases to deposits	50.9291%	3,883
Net loans and leases to core deposits	54.2663%	3,882
Total domestic deposits to total assets	88.1700%	1,544
Equity capital to assets	11.0049%	1,386
Core capital (leverage) ratio	13.3695%	914
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	30.3331%	257
Memoranda:
Average total assets	$179,269,000	3,141
Average earning assets	$168,124,667	3,122
Average equity	$20,321,667	2,834
Average total loans	$84,438,667	3,368
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4205%	4,357
Cost of funding earning assets	0.7658%	2,856
Net interest margin	2.6548%	4,142
Noninterest income to average assets	0.3400%	2,789
Noninterest expense to average assets	2.2271%	3,021
Loan and lease loss provision to assets	0.0100%	2,408
Net operating income to assets	0.4807%	3,944
Return on assets (ROA)	0.4826%	3,898
Pretax return on assets	0.5891%	3,860
Return on Equity (ROE)	4.1900%	4,008
Retained earnings to average equity (ytd only)	4.1931%	3,212
Net charge-offs to loans	0.0000%	2,062
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	78.8292%	922
Assets per employee ($millions)	7.7856%	1,469
Cash dividends to net income (ytd only)*	0.0000%	2,306
Condition Ratios (%)
Loss allowance to loans	0.7150%	4,220
Loan loss allowance to noncurrent loans	40.0133%	3,765
Noncurrent assets plus other real estate owned to assets	0.8416%	562
Noncurrent loans to loans	1.7869%	348
Net loans and leases to total assets	46.7600%	3,729
Net loans and leases to deposits	53.1719%	3,728
Net loans and leases to core deposits	56.0428%	3,737
Total domestic deposits to total assets	87.9400%	1,946
Equity capital to assets	11.3934%	1,191
Core capital (leverage) ratio	13.6741%	798
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	28.7669%	279
Memoranda:
Average total assets	$176,549,000	3,208
Average earning assets	$165,588,500	3,183
Average equity	$20,319,000	2,860
Average total loans	$84,894,500	3,405
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.7865%	4,334
Cost of funding earning assets	0.3752%	2,294
Net interest margin	2.4113%	4,354
Noninterest income to average assets	0.5100%	2,035
Noninterest expense to average assets	2.0768%	3,362
Loan and lease loss provision to assets	0.0300%	2,326
Net operating income to assets	0.5700%	3,943
Return on assets (ROA)	0.4595%	4,113
Pretax return on assets	0.5452%	4,106
Return on Equity (ROE)	3.9700%	4,169
Retained earnings to average equity (ytd only)	3.9699%	3,406
Net charge-offs to loans	0.1013%	730
Credit loss provision to net charge-offs	71.7647%	1,719
Earnings coverage of net charge-offs (x)	15.1176%	2,012
Efficiency ratio	74.5090%	1,167
Assets per employee ($millions)	7.5665%	1,570
Cash dividends to net income (ytd only)*	0.0000%	3,453
Condition Ratios (%)
Loss allowance to loans	0.6354%	4,301
Loan loss allowance to noncurrent loans	522.1154%	1,547
Noncurrent assets plus other real estate owned to assets	0.0598%	3,207
Noncurrent loans to loans	0.1217%	2,911
Net loans and leases to total assets	48.7900%	3,605
Net loans and leases to deposits	55.5974%	3,599
Net loans and leases to core deposits	58.5324%	3,584
Total domestic deposits to total assets	87.7600%	2,158
Equity capital to assets	11.6279%	1,040
Core capital (leverage) ratio	13.8659%	743
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	28.8228%	265
Memoranda:
Average total assets	$180,854,200	3,183
Average earning assets	$170,575,200	3,141
Average equity	$20,932,600	2,863
Average total loans	$83,918,600	3,357
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.6506%	4,342
Cost of funding earning assets	0.3116%	2,044
Net interest margin	2.3390%	4,382
Noninterest income to average assets	0.4400%	2,486
Noninterest expense to average assets	1.9303%	3,675
Loan and lease loss provision to assets	0.0500%	1,750
Net operating income to assets	0.5333%	4,004
Return on assets (ROA)	0.5368%	3,940
Pretax return on assets	0.6734%	3,848
Return on Equity (ROE)	4.6400%	4,050
Retained earnings to average equity (ytd only)	4.6429%	3,221
Net charge-offs to loans	0.1341%	485
Credit loss provision to net charge-offs	84.5238%	1,402
Earnings coverage of net charge-offs (x)	11.7500%	1,936
Efficiency ratio	72.8099%	1,408
Assets per employee ($millions)	8.0056%	1,324
Cash dividends to net income (ytd only)*	0.0000%	3,071
Condition Ratios (%)
Loss allowance to loans	0.6490%	4,332
Loan loss allowance to noncurrent loans	250.6787%	2,415
Noncurrent assets plus other real estate owned to assets	0.1255%	2,730
Noncurrent loans to loans	0.2589%	2,340
Net loans and leases to total assets	48.1500%	3,617
Net loans and leases to deposits	54.5078%	3,578
Net loans and leases to core deposits	57.0493%	3,561
Total domestic deposits to total assets	88.3400%	2,322
Equity capital to assets	11.0280%	1,164
Core capital (leverage) ratio	13.3673%	810
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	28.0823%	287
Memoranda:
Average total assets	$182,560,250	3,187
Average earning assets	$172,433,750	3,150
Average equity	$21,106,750	2,886
Average total loans	$83,535,000	3,371
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.4845%	4,389
Cost of funding earning assets	0.2733%	1,985
Net interest margin	2.2112%	4,412
Noninterest income to average assets	0.4429%	2,493
Noninterest expense to average assets	1.9047%	3,690
Loan and lease loss provision to assets	0.0065%	2,483
Net operating income to assets	0.5093%	3,866
Return on assets (ROA)	0.5154%	3,812
Pretax return on assets	0.6334%	3,743
Return on Equity (ROE)	4.3936%	3,932
Retained earnings to average equity (ytd only)	4.3936%	2,926
Net charge-offs to loans	0.0024%	2,008
Credit loss provision to net charge-offs	600.0000%	563
Earnings coverage of net charge-offs (x)	584.0000%	227
Efficiency ratio	75.0747%	1,381
Assets per employee ($millions)	8.1722%	1,219
Cash dividends to net income (ytd only)*	0.0000%	2,927
Condition Ratios (%)
Loss allowance to loans	0.6769%	4,373
Loan loss allowance to noncurrent loans	209.5238%	2,615
Noncurrent assets plus other real estate owned to assets	0.1696%	2,512
Noncurrent loans to loans	0.3231%	2,187
Net loans and leases to total assets	46.6819%	3,665
Net loans and leases to deposits	52.8151%	3,623
Net loans and leases to core deposits	54.8979%	3,643
Total domestic deposits to total assets	88.3875%	2,428
Equity capital to assets	11.0452%	1,192
Core capital (leverage) ratio	12.7533%	889
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	28.1136%	269
Memoranda:
Average total assets	$184,705,667	3,199
Average earning assets	$174,927,000	3,173
Average equity	$21,668,000	2,929
Average total loans	$82,926,667	3,413
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.4184%	4,360
Cost of funding earning assets	0.2720%	1,908
Net interest margin	2.1465%	4,401
Noninterest income to average assets	0.4381%	2,452
Noninterest expense to average assets	1.8657%	3,763
Loan and lease loss provision to assets	0.0791%	1,040
Net operating income to assets	0.4385%	3,878
Return on assets (ROA)	0.4403%	3,838
Pretax return on assets	0.5364%	3,796
Return on Equity (ROE)	3.6504%	3,958
Retained earnings to average equity (ytd only)	3.6504%	3,055
Net charge-offs to loans	0.0000%	1,838
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	75.2586%	1,606
Assets per employee ($millions)	8.5812%	1,068
Cash dividends to net income (ytd only)*	0.0000%	2,254
Condition Ratios (%)
Loss allowance to loans	0.7287%	4,344
Loan loss allowance to noncurrent loans	202.6846%	2,593
Noncurrent assets plus other real estate owned to assets	0.1578%	2,696
Noncurrent loans to loans	0.3595%	2,195
Net loans and leases to total assets	43.5851%	3,766
Net loans and leases to deposits	51.1071%	3,638
Net loans and leases to core deposits	53.0951%	3,654
Total domestic deposits to total assets	85.2818%	3,473
Equity capital to assets	11.4468%	1,142
Core capital (leverage) ratio	12.4199%	933
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	27.7824%	272
Memoranda:
Average total assets	$187,164,000	3,191
Average earning assets	$177,967,500	3,158
Average equity	$22,573,000	2,933
Average total loans	$82,139,500	3,433
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.4831%	4,492
Cost of funding earning assets	0.3551%	1,893
Net interest margin	2.1280%	4,525
Noninterest income to average assets	0.7620%	1,558
Noninterest expense to average assets	1.9453%	3,828
Loan and lease loss provision to assets	-0.0033%	4,143
Net operating income to assets	0.6557%	3,732
Return on assets (ROA)	0.6077%	3,907
Pretax return on assets	0.7835%	3,760
Return on Equity (ROE)	4.6981%	4,061
Retained earnings to average equity (ytd only)	4.6981%	2,923
Net charge-offs to loans	0.0037%	2,482
Credit loss provision to net charge-offs	-200.0000%	3,507
Earnings coverage of net charge-offs (x)	507.0000%	272
Efficiency ratio	69.8154%	1,757
Assets per employee ($millions)	8.4337%	1,110
Cash dividends to net income (ytd only)*	0.0000%	3,588
Condition Ratios (%)
Loss allowance to loans	0.6966%	4,424
Loan loss allowance to noncurrent loans	211.5672%	2,508
Noncurrent assets plus other real estate owned to assets	0.1444%	2,931
Noncurrent loans to loans	0.3293%	2,410
Net loans and leases to total assets	43.5618%	3,861
Net loans and leases to deposits	51.8378%	3,748
Net loans and leases to core deposits	54.0097%	3,753
Total domestic deposits to total assets	84.0348%	3,553
Equity capital to assets	12.6851%	1,000
Core capital (leverage) ratio	12.6008%	900
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	28.9552%	262
Memoranda:
Average total assets	$180,850,200	3,203
Average earning assets	$172,042,400	3,163
Average equity	$23,392,400	2,950
Average total loans	$81,953,800	3,442
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.5009%	4,567
Cost of funding earning assets	0.3730%	1,911
Net interest margin	2.1279%	4,611
Noninterest income to average assets	0.6204%	2,132
Noninterest expense to average assets	1.9130%	3,913
Loan and lease loss provision to assets	-0.0195%	4,354
Net operating income to assets	0.5729%	4,059
Return on assets (ROA)	0.5031%	4,241
Pretax return on assets	0.6619%	4,138
Return on Equity (ROE)	3.8703%	4,323
Retained earnings to average equity (ytd only)	3.8703%	3,613
Net charge-offs to loans	0.0049%	2,156
Credit loss provision to net charge-offs	-866.6667%	3,814
Earnings coverage of net charge-offs (x)	328.3333%	411
Efficiency ratio	72.3548%	1,370
Assets per employee ($millions)	8.3397%	1,116
Cash dividends to net income (ytd only)*	0.0000%	3,236
Condition Ratios (%)
Loss allowance to loans	0.6668%	4,554
Loan loss allowance to noncurrent loans	479.8246%	1,408
Noncurrent assets plus other real estate owned to assets	0.0621%	3,701
Noncurrent loans to loans	0.1390%	3,417
Net loans and leases to total assets	44.4139%	3,919
Net loans and leases to deposits	53.0100%	3,810
Net loans and leases to core deposits	55.2618%	3,829
Total domestic deposits to total assets	83.7841%	3,511
Equity capital to assets	12.8917%	1,016
Core capital (leverage) ratio	12.3566%	1,025
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	29.2746%	271
Memoranda:
Average total assets	$179,677,500	3,245
Average earning assets	$170,868,500	3,206
Average equity	$23,356,500	2,988
Average total loans	$82,094,250	3,484
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.5258%	4,598
Cost of funding earning assets	0.3964%	1,913
Net interest margin	2.1294%	4,641
Noninterest income to average assets	0.6132%	2,160
Noninterest expense to average assets	1.9360%	3,871
Loan and lease loss provision to assets	-0.0179%	4,423
Net operating income to assets	0.5417%	4,128
Return on assets (ROA)	0.4372%	4,365
Pretax return on assets	0.5863%	4,259
Return on Equity (ROE)	3.3537%	4,425
Retained earnings to average equity (ytd only)	3.3537%	3,733
Net charge-offs to loans	0.0000%	2,245
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	73.4269%	1,295
Assets per employee ($millions)	7.8977%	1,260
Cash dividends to net income (ytd only)*	0.0000%	3,087
Condition Ratios (%)
Loss allowance to loans	0.6838%	4,561
Loan loss allowance to noncurrent loans	270.5314%	2,040
Noncurrent assets plus other real estate owned to assets	0.1140%	3,471
Noncurrent loans to loans	0.2528%	3,039
Net loans and leases to total assets	44.7759%	3,991
Net loans and leases to deposits	53.4294%	3,895
Net loans and leases to core deposits	55.7181%	3,913
Total domestic deposits to total assets	83.8038%	3,491
Equity capital to assets	12.8337%	1,005
Core capital (leverage) ratio	12.2911%	987
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	29.8635%	250
Memoranda:
Average total assets	$178,412,000	3,261
Average earning assets	$169,533,000	3,225
Average equity	$23,257,667	2,989
Average total loans	$82,114,000	3,513
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.5878%	4,579
Cost of funding earning assets	0.4357%	1,828
Net interest margin	2.1521%	4,651
Noninterest income to average assets	0.6154%	2,150
Noninterest expense to average assets	1.9231%	3,931
Loan and lease loss provision to assets	-0.0747%	4,687
Net operating income to assets	0.5602%	4,042
Return on assets (ROA)	0.4548%	4,296
Pretax return on assets	0.6788%	4,061
Return on Equity (ROE)	3.4610%	4,382
Retained earnings to average equity (ytd only)	3.4610%	3,644
Net charge-offs to loans	0.0000%	1,930
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.2789%	1,465
Assets per employee ($millions)	7.9018%	1,236
Cash dividends to net income (ytd only)*	0.0000%	2,433
Condition Ratios (%)
Loss allowance to loans	0.6644%	4,619
Loan loss allowance to noncurrent loans	240.2655%	2,071
Noncurrent assets plus other real estate owned to assets	0.1244%	3,553
Noncurrent loans to loans	0.2765%	3,108
Net loans and leases to total assets	44.6707%	4,070
Net loans and leases to deposits	52.9679%	4,007
Net loans and leases to core deposits	55.2200%	4,030
Total domestic deposits to total assets	84.3354%	3,328
Equity capital to assets	12.7324%	984
Core capital (leverage) ratio	12.4409%	1,015
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$176,794,500	3,270
Average earning assets	$168,020,500	3,230
Average equity	$23,230,500	2,975
Average total loans	$82,224,000	3,521
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9685%	4,655
Cost of funding earning assets	0.6192%	2,188
Net interest margin	2.3493%	4,690
Noninterest income to average assets	0.8126%	1,495
Noninterest expense to average assets	2.1733%	3,749
Loan and lease loss provision to assets	0.2713%	1,423
Net operating income to assets	0.5090%	4,012
Return on assets (ROA)	0.4720%	4,173
Pretax return on assets	0.5456%	4,188
Return on Equity (ROE)	3.4260%	4,280
Retained earnings to average equity (ytd only)	3.4260%	3,112
Net charge-offs to loans	0.4835%	337
Credit loss provision to net charge-offs	115.2455%	2,681
Earnings coverage of net charge-offs (x)	3.6512%	3,063
Efficiency ratio	71.6606%	1,729
Assets per employee ($millions)	7.8113%	1,115
Cash dividends to net income (ytd only)*	0.0000%	3,731
Condition Ratios (%)
Loss allowance to loans	0.6963%	4,593
Loan loss allowance to noncurrent loans	248.2759%	1,981
Noncurrent assets plus other real estate owned to assets	0.1350%	3,610
Noncurrent loans to loans	0.2805%	3,196
Net loans and leases to total assets	47.8004%	3,990
Net loans and leases to deposits	57.2360%	3,930
Net loans and leases to core deposits	59.8421%	3,952
Total domestic deposits to total assets	83.5145%	3,260
Equity capital to assets	13.5707%	911
Core capital (leverage) ratio	12.7348%	967
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$164,405,200	3,247
Average earning assets	$155,364,200	3,206
Average equity	$22,650,000	2,963
Average total loans	$80,049,200	3,556
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0330%	4,711
Cost of funding earning assets	0.6561%	2,292
Net interest margin	2.3768%	4,743
Noninterest income to average assets	0.8449%	1,364
Noninterest expense to average assets	2.1548%	3,801
Loan and lease loss provision to assets	0.2713%	1,494
Net operating income to assets	0.5665%	3,864
Return on assets (ROA)	0.5094%	4,096
Pretax return on assets	0.5955%	4,109
Return on Equity (ROE)	3.6828%	4,247
Retained earnings to average equity (ytd only)	3.6828%	3,204
Net charge-offs to loans	0.1730%	854
Credit loss provision to net charge-offs	321.3592%	1,695
Earnings coverage of net charge-offs (x)	11.0485%	2,319
Efficiency ratio	69.7742%	1,911
Assets per employee ($millions)	7.4263%	1,261
Cash dividends to net income (ytd only)*	0.0000%	3,332
Condition Ratios (%)
Loss allowance to loans	0.9148%	4,025
Loan loss allowance to noncurrent loans	40.5773%	4,176
Noncurrent assets plus other real estate owned to assets	1.0749%	995
Noncurrent loans to loans	2.2545%	505
Net loans and leases to total assets	47.2425%	4,257
Net loans and leases to deposits	56.5949%	4,230
Net loans and leases to core deposits	59.4450%	4,233
Total domestic deposits to total assets	83.4748%	3,002
Equity capital to assets	13.5844%	976
Core capital (leverage) ratio	12.8390%	992
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	28.9568%	279
Memoranda:
Average total assets	$162,544,500	3,245
Average earning assets	$153,421,250	3,209
Average equity	$22,482,250	2,977
Average total loans	$79,381,500	3,583
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1459%	4,757
Cost of funding earning assets	0.6988%	2,387
Net interest margin	2.4471%	4,767
Noninterest income to average assets	0.8586%	1,266
Noninterest expense to average assets	2.2329%	3,699
Loan and lease loss provision to assets	0.0476%	3,705
Net operating income to assets	0.7312%	3,278
Return on assets (ROA)	0.6283%	3,727
Pretax return on assets	0.7597%	3,707
Return on Equity (ROE)	4.5140%	3,969
Retained earnings to average equity (ytd only)	4.5140%	2,700
Net charge-offs to loans	0.2618%	601
Credit loss provision to net charge-offs	36.8932%	2,681
Earnings coverage of net charge-offs (x)	7.2233%	2,382
Efficiency ratio	70.5696%	1,870
Assets per employee ($millions)	7.0607%	1,409
Cash dividends to net income (ytd only)*	0.0000%	3,182
Condition Ratios (%)
Loss allowance to loans	0.5558%	4,789
Loan loss allowance to noncurrent loans	114.4304%	3,028
Noncurrent assets plus other real estate owned to assets	0.2331%	3,392
Noncurrent loans to loans	0.4857%	2,690
Net loans and leases to total assets	47.7272%	4,272
Net loans and leases to deposits	57.2155%	4,256
Net loans and leases to core deposits	60.5684%	4,233
Total domestic deposits to total assets	83.4164%	2,958
Equity capital to assets	13.5657%	966
Core capital (leverage) ratio	13.0634%	982
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	27.4496%	326
Memoranda:
Average total assets	$159,790,667	3,251
Average earning assets	$150,543,333	3,214
Average equity	$22,242,000	2,982
Average total loans	$78,696,000	3,602
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3238%	4,796
Cost of funding earning assets	0.7450%	2,694
Net interest margin	2.5788%	4,771
Noninterest income to average assets	0.2013%	4,347
Noninterest expense to average assets	2.2587%	3,863
Loan and lease loss provision to assets	0.0129%	3,616
Net operating income to assets	0.3588%	4,219
Return on assets (ROA)	0.2814%	4,404
Pretax return on assets	0.2736%	4,488
Return on Equity (ROE)	1.9937%	4,444
Retained earnings to average equity (ytd only)	1.9937%	3,445
Net charge-offs to loans	0.5273%	277
Credit loss provision to net charge-offs	4.9020%	2,241
Earnings coverage of net charge-offs (x)	1.3824%	2,393
Efficiency ratio	86.1220%	697
Assets per employee ($millions)	6.5416%	1,322
Cash dividends to net income (ytd only)*	0.0000%	2,581
Condition Ratios (%)
Loss allowance to loans	0.5512%	4,830
Loan loss allowance to noncurrent loans	105.7935%	3,154
Noncurrent assets plus other real estate owned to assets	0.2529%	3,439
Noncurrent loans to loans	0.5210%	2,701
Net loans and leases to total assets	48.2681%	4,320
Net loans and leases to deposits	56.5586%	4,345
Net loans and leases to core deposits	59.9511%	4,356
Total domestic deposits to total assets	85.3419%	2,269
Equity capital to assets	14.0976%	1,027
Core capital (leverage) ratio	13.7968%	961
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	29.2984%	299
Memoranda:
Average total assets	$154,957,500	3,265
Average earning assets	$145,495,000	3,231
Average equity	$21,869,000	3,004
Average total loans	$77,379,500	3,621
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3691%	4,931
Cost of funding earning assets	0.7176%	3,079
Net interest margin	2.6515%	4,865
Noninterest income to average assets	0.6469%	2,017
Noninterest expense to average assets	2.4596%	3,557
Loan and lease loss provision to assets	-0.0660%	5,036
Net operating income to assets	0.6311%	4,067
Return on assets (ROA)	0.6311%	4,135
Pretax return on assets	0.7387%	4,114
Return on Equity (ROE)	4.6131%	4,317
Retained earnings to average equity (ytd only)	4.6131%	2,638
Net charge-offs to loans	-0.1975%	5,058
Credit loss provision to net charge-offs	66.6667%	2,952
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	78.5248%	1,090
Assets per employee ($millions)	6.3715%	1,373
Cash dividends to net income (ytd only)*	0.0000%	3,913
Condition Ratios (%)
Loss allowance to loans	0.6581%	4,633
Loan loss allowance to noncurrent loans	106.3786%	3,181
Noncurrent assets plus other real estate owned to assets	0.3714%	2,920
Noncurrent loans to loans	0.6186%	2,340
Net loans and leases to total assets	51.0355%	4,281
Net loans and leases to deposits	59.8886%	4,295
Net loans and leases to core deposits	63.5770%	4,298
Total domestic deposits to total assets	85.2175%	2,413
Equity capital to assets	14.1286%	1,047
Core capital (leverage) ratio	13.9498%	939
Tier 1 risk-based capital ratio	27.6376%	582
Total risk-based capital ratio	28.3172%	601
Memoranda:
Average total assets	$151,489,000	3,278
Average earning assets	$141,997,400	3,255
Average equity	$20,723,800	3,062
Average total loans	$75,954,000	3,668
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3731%	5,035
Cost of funding earning assets	0.6979%	3,231
Net interest margin	2.6751%	4,958
Noninterest income to average assets	0.5046%	2,697
Noninterest expense to average assets	2.4005%	3,683
Loan and lease loss provision to assets	0.0353%	3,188
Net operating income to assets	0.5170%	4,478
Return on assets (ROA)	0.5170%	4,528
Pretax return on assets	0.5778%	4,584
Return on Equity (ROE)	3.8106%	4,625
Retained earnings to average equity (ytd only)	3.8106%	3,488
Net charge-offs to loans	0.0000%	3,455
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	79.6546%	950
Assets per employee ($millions)	6.2790%	1,404
Cash dividends to net income (ytd only)*	0.0000%	3,563
Condition Ratios (%)
Loss allowance to loans	0.6546%	4,721
Loan loss allowance to noncurrent loans	121.8750%	2,989
Noncurrent assets plus other real estate owned to assets	0.4015%	2,900
Noncurrent loans to loans	0.5371%	2,676
Net loans and leases to total assets	51.0614%	4,368
Net loans and leases to deposits	59.8274%	4,391
Net loans and leases to core deposits	63.4180%	4,404
Total domestic deposits to total assets	85.3479%	2,275
Equity capital to assets	14.1259%	1,102
Core capital (leverage) ratio	13.6907%	1,079
Tier 1 risk-based capital ratio	27.1804%	626
Total risk-based capital ratio	27.8474%	656
Memoranda:
Average total assets	$151,132,000	3,317
Average earning assets	$141,747,250	3,289
Average equity	$20,503,500	3,112
Average total loans	$75,302,750	3,719
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3482%	5,105
Cost of funding earning assets	0.6665%	3,331
Net interest margin	2.6817%	5,017
Noninterest income to average assets	0.5130%	2,602
Noninterest expense to average assets	2.3559%	3,859
Loan and lease loss provision to assets	0.0873%	2,100
Net operating income to assets	0.5235%	4,471
Return on assets (ROA)	0.5235%	4,502
Pretax return on assets	0.5857%	4,570
Return on Equity (ROE)	3.9126%	4,610
Retained earnings to average equity (ytd only)	3.9126%	3,294
Net charge-offs to loans	0.0000%	3,172
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.7826%	1,182
Assets per employee ($millions)	6.6423%	1,165
Cash dividends to net income (ytd only)*	0.0000%	3,431
Condition Ratios (%)
Loss allowance to loans	0.7034%	4,709
Loan loss allowance to noncurrent loans	91.2821%	3,465
Noncurrent assets plus other real estate owned to assets	0.5891%	2,252
Noncurrent loans to loans	0.7706%	2,059
Net loans and leases to total assets	49.3441%	4,504
Net loans and leases to deposits	57.7934%	4,527
Net loans and leases to core deposits	61.1843%	4,532
Total domestic deposits to total assets	85.3802%	2,315
Equity capital to assets	13.7276%	1,228
Core capital (leverage) ratio	13.5352%	1,105
Tier 1 risk-based capital ratio	26.8573%	632
Total risk-based capital ratio	27.5579%	655
Memoranda:
Average total assets	$151,277,670	3,336
Average earning assets	$141,926,670	3,304
Average equity	$20,242,330	3,126
Average total loans	$74,585,670	3,753
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2825%	5,178
Cost of funding earning assets	0.6287%	3,412
Net interest margin	2.6538%	5,098
Noninterest income to average assets	0.5208%	2,432
Noninterest expense to average assets	2.3145%	3,980
Loan and lease loss provision to assets	0.0478%	2,691
Net operating income to assets	0.5713%	4,330
Return on assets (ROA)	0.5713%	4,361
Pretax return on assets	0.6484%	4,420
Return on Equity (ROE)	4.3265%	4,509
Retained earnings to average equity (ytd only)	4.3265%	3,194
Net charge-offs to loans	0.0000%	2,740
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.8756%	1,396
Assets per employee ($millions)	6.3683%	1,307
Cash dividends to net income (ytd only)*	0.0000%	2,768
Condition Ratios (%)
Loss allowance to loans	0.6522%	4,849
Loan loss allowance to noncurrent loans	65.6292%	3,964
Noncurrent assets plus other real estate owned to assets	0.6556%	2,132
Noncurrent loans to loans	0.9938%	1,687
Net loans and leases to total assets	48.3381%	4,570
Net loans and leases to deposits	56.3098%	4,585
Net loans and leases to core deposits	59.4542%	4,589
Total domestic deposits to total assets	85.8432%	2,343
Equity capital to assets	13.2362%	1,327
Core capital (leverage) ratio	13.6679%	1,039
Tier 1 risk-based capital ratio	27.1220%	608
Total risk-based capital ratio	27.7704%	643
Memoranda:
Average total assets	$150,530,500	3,378
Average earning assets	$141,234,000	3,354
Average equity	$19,877,500	3,167
Average total loans	$73,919,500	3,803
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2623%	5,106
Cost of funding earning assets	0.5548%	3,018
Net interest margin	2.7075%	5,092
Noninterest income to average assets	0.5408%	2,607
Noninterest expense to average assets	2.3449%	4,010
Loan and lease loss provision to assets	0.0620%	2,914
Net operating income to assets	0.6041%	4,408
Return on assets (ROA)	0.6041%	4,413
Pretax return on assets	0.6668%	4,498
Return on Equity (ROE)	4.6746%	4,536
Retained earnings to average equity (ytd only)	4.6746%	2,947
Net charge-offs to loans	0.0308%	2,785
Credit loss provision to net charge-offs	413.6364%	803
Earnings coverage of net charge-offs (x)	48.6364%	1,154
Efficiency ratio	76.2907%	1,316
Assets per employee ($millions)	6.4445%	1,241
Cash dividends to net income (ytd only)*	0.0000%	4,013
Condition Ratios (%)
Loss allowance to loans	0.6356%	4,917
Loan loss allowance to noncurrent loans	58.9646%	4,134
Noncurrent assets plus other real estate owned to assets	0.7118%	1,946
Noncurrent loans to loans	1.0779%	1,512
Net loans and leases to total assets	49.2555%	4,570
Net loans and leases to deposits	57.2051%	4,610
Net loans and leases to core deposits	60.2570%	4,616
Total domestic deposits to total assets	86.1034%	2,179
Equity capital to assets	13.1727%	1,268
Core capital (leverage) ratio	13.7219%	1,003
Tier 1 risk-based capital ratio	27.0822%	612
Total risk-based capital ratio	27.7123%	632
Memoranda:
Average total assets	$146,826,400	3,417
Average earning assets	$137,358,400	3,393
Average equity	$18,975,000	3,187
Average total loans	$71,489,600	3,839
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2334%	5,177
Cost of funding earning assets	0.5373%	2,950
Net interest margin	2.6961%	5,165
Noninterest income to average assets	0.5025%	2,851
Noninterest expense to average assets	2.3248%	4,038
Loan and lease loss provision to assets	0.0765%	2,431
Net operating income to assets	0.5516%	4,642
Return on assets (ROA)	0.5516%	4,650
Pretax return on assets	0.6226%	4,690
Return on Equity (ROE)	4.2892%	4,753
Retained earnings to average equity (ytd only)	4.2892%	3,621
Net charge-offs to loans	0.0075%	3,149
Credit loss provision to net charge-offs	2,100.0000%	198
Earnings coverage of net charge-offs (x)	192.1144%	450
Efficiency ratio	76.8814%	1,245
Assets per employee ($millions)	6.0098%	1,476
Cash dividends to net income (ytd only)*	0.0000%	3,598
Condition Ratios (%)
Loss allowance to loans	0.6662%	4,940
Loan loss allowance to noncurrent loans	74.1085%	3,925
Noncurrent assets plus other real estate owned to assets	0.7002%	2,101
Noncurrent loans to loans	0.8989%	1,902
Net loans and leases to total assets	49.4169%	4,638
Net loans and leases to deposits	57.3174%	4,680
Net loans and leases to core deposits	60.4534%	4,683
Total domestic deposits to total assets	86.2163%	2,093
Equity capital to assets	13.0723%	1,302
Core capital (leverage) ratio	13.6295%	1,049
Tier 1 risk-based capital ratio	27.2310%	614
Total risk-based capital ratio	27.8886%	632
Memoranda:
Average total assets	$146,477,250	3,463
Average earning assets	$136,984,500	3,437
Average equity	$18,837,500	3,220
Average total loans	$70,993,250	3,885
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1827%	5,243
Cost of funding earning assets	0.5196%	2,847
Net interest margin	2.6632%	5,239
Noninterest income to average assets	0.4863%	2,938
Noninterest expense to average assets	2.3053%	4,130
Loan and lease loss provision to assets	0.0000%	3,782
Net operating income to assets	0.5869%	4,539
Return on assets (ROA)	0.5869%	4,536
Pretax return on assets	0.6738%	4,572
Return on Equity (ROE)	4.5880%	4,663
Retained earnings to average equity (ytd only)	4.5880%	3,296
Net charge-offs to loans	0.0113%	2,751
Credit loss provision to net charge-offs	0.0000%	2,759
Earnings coverage of net charge-offs (x)	124.0000%	601
Efficiency ratio	77.3826%	1,260
Assets per employee ($millions)	6.6874%	1,078
Cash dividends to net income (ytd only)*	0.0000%	3,456
Condition Ratios (%)
Loss allowance to loans	0.5542%	5,187
Loan loss allowance to noncurrent loans	68.2842%	4,038
Noncurrent assets plus other real estate owned to assets	0.6702%	2,225
Noncurrent loans to loans	0.8116%	2,103
Net loans and leases to total assets	48.0557%	4,717
Net loans and leases to deposits	55.6635%	4,770
Net loans and leases to core deposits	58.6433%	4,760
Total domestic deposits to total assets	86.3325%	2,123
Equity capital to assets	12.8131%	1,384
Core capital (leverage) ratio	13.3431%	1,119
Tier 1 risk-based capital ratio	26.9127%	614
Total risk-based capital ratio	27.4532%	642
Memoranda:
Average total assets	$147,224,330	3,475
Average earning assets	$137,806,670	3,445
Average equity	$18,831,670	3,239
Average total loans	$70,739,330	3,915
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1390%	5,285
Cost of funding earning assets	0.5043%	2,760
Net interest margin	2.6347%	5,300
Noninterest income to average assets	0.5052%	2,770
Noninterest expense to average assets	2.3412%	4,080
Loan and lease loss provision to assets	0.0054%	3,438
Net operating income to assets	0.5513%	4,571
Return on assets (ROA)	0.5513%	4,574
Pretax return on assets	0.6274%	4,620
Return on Equity (ROE)	4.3141%	4,677
Retained earnings to average equity (ytd only)	4.3141%	3,458
Net charge-offs to loans	0.0000%	2,722
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	78.7215%	1,291
Assets per employee ($millions)	6.1598%	1,392
Cash dividends to net income (ytd only)*	0.0000%	2,749
Condition Ratios (%)
Loss allowance to loans	0.5709%	5,239
Loan loss allowance to noncurrent loans	62.6959%	4,154
Noncurrent assets plus other real estate owned to assets	0.7799%	2,015
Noncurrent loans to loans	0.9107%	1,996
Net loans and leases to total assets	47.1197%	4,748
Net loans and leases to deposits	54.4624%	4,770
Net loans and leases to core deposits	57.1960%	4,786
Total domestic deposits to total assets	86.5180%	2,310
Equity capital to assets	12.6216%	1,420
Core capital (leverage) ratio	13.2625%	1,089
Tier 1 risk-based capital ratio	26.8590%	623
Total risk-based capital ratio	27.4131%	659
Memoranda:
Average total assets	$147,275,000	3,507
Average earning assets	$138,004,500	3,478
Average equity	$18,822,000	3,268
Average total loans	$70,561,500	3,958
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0740%	5,314
Cost of funding earning assets	0.4630%	2,662
Net interest margin	2.6110%	5,344
Noninterest income to average assets	0.5895%	2,498
Noninterest expense to average assets	2.4062%	4,060
Loan and lease loss provision to assets	0.0165%	3,965
Net operating income to assets	0.4264%	4,604
Return on assets (ROA)	0.4264%	4,627
Pretax return on assets	0.6101%	4,723
Return on Equity (ROE)	3.3096%	4,742
Retained earnings to average equity (ytd only)	3.3096%	3,314
Net charge-offs to loans	0.2714%	960
Credit loss provision to net charge-offs	12.6316%	3,653
Earnings coverage of net charge-offs (x)	4.8105%	3,409
Efficiency ratio	79.3400%	1,178
Assets per employee ($millions)	5.8686%	1,609
Cash dividends to net income (ytd only)*	0.0000%	4,098
Condition Ratios (%)
Loss allowance to loans	0.5601%	5,310
Loan loss allowance to noncurrent loans	66.3333%	4,156
Noncurrent assets plus other real estate owned to assets	0.8418%	1,852
Noncurrent loans to loans	0.8443%	2,106
Net loans and leases to total assets	48.1652%	4,754
Net loans and leases to deposits	55.7189%	4,818
Net loans and leases to core deposits	58.1541%	4,845
Total domestic deposits to total assets	86.4432%	2,256
Equity capital to assets	12.9400%	1,294
Core capital (leverage) ratio	13.1006%	1,111
Tier 1 risk-based capital ratio	26.5960%	618
Total risk-based capital ratio	27.1477%	660
Memoranda:
Average total assets	$145,874,000	3,526
Average earning assets	$136,500,000	3,501
Average equity	$18,793,600	3,262
Average total loans	$70,002,800	3,963
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0525%	5,378
Cost of funding earning assets	0.4492%	2,724
Net interest margin	2.6033%	5,403
Noninterest income to average assets	0.5876%	2,550
Noninterest expense to average assets	2.3634%	4,112
Loan and lease loss provision to assets	0.0183%	3,776
Net operating income to assets	0.5400%	4,613
Return on assets (ROA)	0.5400%	4,646
Pretax return on assets	0.6407%	4,756
Return on Equity (ROE)	4.1964%	4,796
Retained earnings to average equity (ytd only)	4.1964%	3,400
Net charge-offs to loans	0.3116%	674
Credit loss provision to net charge-offs	12.2699%	3,211
Earnings coverage of net charge-offs (x)	4.4172%	3,230
Efficiency ratio	78.1950%	1,310
Assets per employee ($millions)	5.8457%	1,613
Cash dividends to net income (ytd only)*	0.0000%	3,680
Condition Ratios (%)
Loss allowance to loans	0.5903%	5,343
Loan loss allowance to noncurrent loans	57.7503%	4,392
Noncurrent assets plus other real estate owned to assets	0.8553%	2,013
Noncurrent loans to loans	1.0221%	1,902
Net loans and leases to total assets	48.5158%	4,799
Net loans and leases to deposits	56.2326%	4,861
Net loans and leases to core deposits	58.7015%	4,886
Total domestic deposits to total assets	86.2770%	2,191
Equity capital to assets	13.1447%	1,315
Core capital (leverage) ratio	13.1194%	1,160
Tier 1 risk-based capital ratio	27.0037%	622
Total risk-based capital ratio	27.5972%	645
Memoranda:
Average total assets	$145,663,500	3,559
Average earning assets	$136,236,250	3,533
Average equity	$18,745,750	3,297
Average total loans	$69,737,500	4,003
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0338%	5,412
Cost of funding earning assets	0.4340%	2,765
Net interest margin	2.5997%	5,436
Noninterest income to average assets	0.5856%	2,531
Noninterest expense to average assets	2.3559%	4,193
Loan and lease loss provision to assets	-0.0137%	5,552
Net operating income to assets	0.5608%	4,472
Return on assets (ROA)	0.5608%	4,519
Pretax return on assets	0.6721%	4,621
Return on Equity (ROE)	4.3892%	4,696
Retained earnings to average equity (ytd only)	4.3892%	3,091
Net charge-offs to loans	0.4681%	425
Credit loss provision to net charge-offs	-6.1728%	4,213
Earnings coverage of net charge-offs (x)	2.9568%	3,099
Efficiency ratio	78.1578%	1,442
Assets per employee ($millions)	5.9104%	1,519
Cash dividends to net income (ytd only)*	0.0000%	3,521
Condition Ratios (%)
Loss allowance to loans	0.5612%	5,441
Loan loss allowance to noncurrent loans	54.3689%	4,485
Noncurrent assets plus other real estate owned to assets	0.8405%	2,105
Noncurrent loans to loans	1.0322%	1,902
Net loans and leases to total assets	47.0090%	4,884
Net loans and leases to deposits	54.3347%	4,947
Net loans and leases to core deposits	56.6003%	4,970
Total domestic deposits to total assets	86.5174%	2,159
Equity capital to assets	12.8803%	1,429
Core capital (leverage) ratio	12.8664%	1,232
Tier 1 risk-based capital ratio	27.1348%	605
Total risk-based capital ratio	27.6955%	626
Memoranda:
Average total assets	$145,504,000	3,576
Average earning assets	$135,936,670	3,557
Average equity	$18,591,000	3,320
Average total loans	$69,209,000	4,037
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0377%	5,427
Cost of funding earning assets	0.4191%	2,822
Net interest margin	2.6186%	5,456
Noninterest income to average assets	0.5597%	2,612
Noninterest expense to average assets	2.3577%	4,239
Loan and lease loss provision to assets	-0.1081%	5,755
Net operating income to assets	0.6040%	4,140
Return on assets (ROA)	0.6040%	4,194
Pretax return on assets	0.7508%	4,285
Return on Equity (ROE)	4.7467%	4,506
Retained earnings to average equity (ytd only)	4.7467%	3,042
Net charge-offs to loans	0.5574%	318
Credit loss provision to net charge-offs	-40.6250%	3,853
Earnings coverage of net charge-offs (x)	2.4167%	2,594
Efficiency ratio	78.5780%	1,550
Assets per employee ($millions)	5.9027%	1,581
Cash dividends to net income (ytd only)*	0.0000%	2,824
Condition Ratios (%)
Loss allowance to loans	0.6246%	5,439
Loan loss allowance to noncurrent loans	53.8269%	4,558
Noncurrent assets plus other real estate owned to assets	0.9047%	2,048
Noncurrent loans to loans	1.1604%	1,751
Net loans and leases to total assets	46.2549%	4,928
Net loans and leases to deposits	53.4435%	4,970
Net loans and leases to core deposits	55.4696%	5,003
Total domestic deposits to total assets	86.5492%	2,417
Equity capital to assets	12.5611%	1,492
Core capital (leverage) ratio	13.0106%	1,137
Tier 1 risk-based capital ratio	26.8745%	632
Total risk-based capital ratio	27.4884%	659
Memoranda:
Average total assets	$144,375,500	3,627
Average earning assets	$134,577,500	3,615
Average equity	$18,370,500	3,360
Average total loans	$68,887,000	4,078
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0698%	5,436
Cost of funding earning assets	0.4253%	2,756
Net interest margin	2.6445%	5,481
Noninterest income to average assets	0.6311%	2,501
Noninterest expense to average assets	2.4056%	4,289
Loan and lease loss provision to assets	0.1034%	2,316
Net operating income to assets	0.5231%	4,536
Return on assets (ROA)	0.5256%	4,617
Pretax return on assets	0.5924%	4,808
Return on Equity (ROE)	4.0715%	4,809
Retained earnings to average equity (ytd only)	4.0715%	3,020
Net charge-offs to loans	-0.0598%	5,443
Credit loss provision to net charge-offs	-367.5000%	5,120
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.6340%	1,751
Assets per employee ($millions)	5.2290%	2,137
Cash dividends to net income (ytd only)*	0.0000%	4,198
Condition Ratios (%)
Loss allowance to loans	0.8164%	5,065
Loan loss allowance to noncurrent loans	39.2758%	4,900
Noncurrent assets plus other real estate owned to assets	1.3982%	1,224
Noncurrent loans to loans	2.0785%	852
Net loans and leases to total assets	48.5352%	4,856
Net loans and leases to deposits	56.1787%	4,905
Net loans and leases to core deposits	58.5370%	4,927
Total domestic deposits to total assets	86.3944%	2,417
Equity capital to assets	12.8945%	1,301
Core capital (leverage) ratio	13.1304%	1,089
Tier 1 risk-based capital ratio	26.9041%	623
Total risk-based capital ratio	27.7215%	643
Memoranda:
Average total assets	$142,128,400	3,640
Average earning assets	$132,613,800	3,606
Average equity	$18,347,000	3,362
Average total loans	$66,885,200	4,122
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0828%	5,486
Cost of funding earning assets	0.4232%	2,804
Net interest margin	2.6596%	5,535
Noninterest income to average assets	0.6209%	2,568
Noninterest expense to average assets	2.3732%	4,346
Loan and lease loss provision to assets	0.0384%	3,470
Net operating income to assets	0.5841%	4,354
Return on assets (ROA)	0.5872%	4,454
Pretax return on assets	0.6968%	4,616
Return on Equity (ROE)	4.5477%	4,700
Retained earnings to average equity (ytd only)	4.5477%	3,103
Net charge-offs to loans	-0.1166%	5,629
Credit loss provision to net charge-offs	-70.6897%	4,712
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.4404%	1,914
Assets per employee ($millions)	5.0633%	2,298
Cash dividends to net income (ytd only)*	0.0000%	3,760
Condition Ratios (%)
Loss allowance to loans	0.6922%	5,442
Loan loss allowance to noncurrent loans	40.0673%	4,966
Noncurrent assets plus other real estate owned to assets	1.2386%	1,593
Noncurrent loans to loans	1.7276%	1,208
Net loans and leases to total assets	48.1678%	4,948
Net loans and leases to deposits	56.0156%	4,995
Net loans and leases to core deposits	58.3643%	5,029
Total domestic deposits to total assets	85.9901%	2,353
Equity capital to assets	13.2425%	1,373
Core capital (leverage) ratio	13.0326%	1,182
Tier 1 risk-based capital ratio	27.0194%	640
Total risk-based capital ratio	27.7167%	662
Memoranda:
Average total assets	$142,364,500	3,643
Average earning assets	$132,949,750	3,621
Average equity	$18,382,500	3,385
Average total loans	$66,334,500	4,160
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0953%	5,551
Cost of funding earning assets	0.4205%	2,832
Net interest margin	2.6748%	5,600
Noninterest income to average assets	0.5752%	2,758
Noninterest expense to average assets	2.3358%	4,512
Loan and lease loss provision to assets	0.0337%	3,478
Net operating income to assets	0.5874%	4,325
Return on assets (ROA)	0.5920%	4,432
Pretax return on assets	0.7099%	4,583
Return on Equity (ROE)	4.6242%	4,667
Retained earnings to average equity (ytd only)	4.6242%	2,963
Net charge-offs to loans	0.0000%	3,689
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	75.9927%	2,078
Assets per employee ($millions)	5.5423%	1,750
Cash dividends to net income (ytd only)*	0.0000%	3,619
Condition Ratios (%)
Loss allowance to loans	0.6171%	5,657
Loan loss allowance to noncurrent loans	40.2610%	5,048
Noncurrent assets plus other real estate owned to assets	1.0722%	1,982
Noncurrent loans to loans	1.5327%	1,414
Net loans and leases to total assets	44.8186%	5,183
Net loans and leases to deposits	51.8610%	5,254
Net loans and leases to core deposits	53.9860%	5,276
Total domestic deposits to total assets	86.4206%	2,209
Equity capital to assets	12.9395%	1,544
Core capital (leverage) ratio	12.6512%	1,281
Tier 1 risk-based capital ratio	27.5324%	616
Total risk-based capital ratio	28.1377%	641
Memoranda:
Average total assets	$142,562,330	3,663
Average earning assets	$133,169,000	3,643
Average equity	$18,252,000	3,411
Average total loans	$65,524,670	4,206
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0400%	5,655
Cost of funding earning assets	0.4231%	2,830
Net interest margin	2.6169%	5,705
Noninterest income to average assets	0.5388%	2,876
Noninterest expense to average assets	2.3189%	4,611
Loan and lease loss provision to assets	-0.0141%	5,896
Net operating income to assets	0.5614%	4,360
Return on assets (ROA)	0.5614%	4,465
Pretax return on assets	0.6770%	4,599
Return on Equity (ROE)	4.4088%	4,735
Retained earnings to average equity (ytd only)	4.4088%	3,275
Net charge-offs to loans	0.0000%	3,094
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.7673%	1,928
Assets per employee ($millions)	5.5995%	1,748
Cash dividends to net income (ytd only)*	0.0000%	2,863
Condition Ratios (%)
Loss allowance to loans	0.5693%	5,790
Loan loss allowance to noncurrent loans	49.2715%	4,848
Noncurrent assets plus other real estate owned to assets	0.8957%	2,446
Noncurrent loans to loans	1.1554%	2,093
Net loans and leases to total assets	44.6280%	5,213
Net loans and leases to deposits	51.3905%	5,253
Net loans and leases to core deposits	53.4594%	5,289
Total domestic deposits to total assets	86.8409%	2,281
Equity capital to assets	12.5024%	1,678
Core capital (leverage) ratio	12.6351%	1,291
Tier 1 risk-based capital ratio	27.7248%	628
Total risk-based capital ratio	28.2973%	651
Memoranda:
Average total assets	$141,793,000	3,704
Average earning assets	$132,368,500	3,679
Average equity	$18,055,000	3,427
Average total loans	$65,794,500	4,225
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1407%	5,589
Cost of funding earning assets	0.4332%	2,814
Net interest margin	2.7075%	5,637
Noninterest income to average assets	0.5367%	3,095
Noninterest expense to average assets	2.3134%	4,744
Loan and lease loss provision to assets	0.0582%	3,148
Net operating income to assets	0.5687%	4,425
Return on assets (ROA)	0.5705%	4,506
Pretax return on assets	0.6861%	4,564
Return on Equity (ROE)	4.5379%	4,723
Retained earnings to average equity (ytd only)	4.5379%	2,755
Net charge-offs to loans	0.1305%	2,064
Credit loss provision to net charge-offs	94.1860%	2,675
Earnings coverage of net charge-offs (x)	12.0116%	2,509
Efficiency ratio	75.7113%	2,319
Assets per employee ($millions)	5.5199%	1,783
Cash dividends to net income (ytd only)*	0.0000%	4,258
Condition Ratios (%)
Loss allowance to loans	0.5691%	5,838
Loan loss allowance to noncurrent loans	58.5404%	4,672
Noncurrent assets plus other real estate owned to assets	0.8928%	2,435
Noncurrent loans to loans	0.9722%	2,387
Net loans and leases to total assets	47.7304%	5,037
Net loans and leases to deposits	55.2260%	5,096
Net loans and leases to core deposits	56.6184%	5,168
Total domestic deposits to total assets	86.4273%	2,418
Equity capital to assets	12.9770%	1,360
Core capital (leverage) ratio	12.9059%	1,184
Tier 1 risk-based capital ratio	27.8279%	612
Total risk-based capital ratio	28.4168%	638
Memoranda:
Average total assets	$139,187,400	3,734
Average earning assets	$129,491,400	3,712
Average equity	$17,497,200	3,458
Average total loans	$65,876,200	4,203
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1303%	5,668
Cost of funding earning assets	0.4388%	2,815
Net interest margin	2.6915%	5,734
Noninterest income to average assets	0.5592%	2,990
Noninterest expense to average assets	2.2778%	4,837
Loan and lease loss provision to assets	0.0726%	2,719
Net operating income to assets	0.5790%	4,480
Return on assets (ROA)	0.5821%	4,565
Pretax return on assets	0.7159%	4,622
Return on Equity (ROE)	4.6680%	4,769
Retained earnings to average equity (ytd only)	4.6680%	3,150
Net charge-offs to loans	0.1743%	1,436
Credit loss provision to net charge-offs	88.3721%	2,489
Earnings coverage of net charge-offs (x)	9.5468%	2,683
Efficiency ratio	74.3758%	2,493
Assets per employee ($millions)	5.3229%	1,935
Cash dividends to net income (ytd only)*	0.0000%	3,801
Condition Ratios (%)
Loss allowance to loans	0.5649%	5,944
Loan loss allowance to noncurrent loans	64.4714%	4,557
Noncurrent assets plus other real estate owned to assets	0.9610%	2,448
Noncurrent loans to loans	0.8762%	2,789
Net loans and leases to total assets	47.3164%	5,131
Net loans and leases to deposits	54.5918%	5,214
Net loans and leases to core deposits	55.7681%	5,320
Total domestic deposits to total assets	86.6730%	2,197
Equity capital to assets	12.7995%	1,563
Core capital (leverage) ratio	12.6090%	1,359
Tier 1 risk-based capital ratio	27.4144%	658
Total risk-based capital ratio	27.9928%	690
Memoranda:
Average total assets	$139,484,750	3,764
Average earning assets	$129,740,500	3,738
Average equity	$17,394,500	3,502
Average total loans	$65,784,250	4,247
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1243%	5,714
Cost of funding earning assets	0.4413%	2,824
Net interest margin	2.6830%	5,788
Noninterest income to average assets	0.5020%	3,360
Noninterest expense to average assets	2.2811%	4,886
Loan and lease loss provision to assets	0.0801%	2,511
Net operating income to assets	0.5220%	4,675
Return on assets (ROA)	0.5220%	4,779
Pretax return on assets	0.6364%	4,872
Return on Equity (ROE)	4.2226%	4,937
Retained earnings to average equity (ytd only)	4.2226%	3,346
Net charge-offs to loans	0.0912%	2,112
Credit loss provision to net charge-offs	186.6667%	1,309
Earnings coverage of net charge-offs (x)	16.7000%	1,894
Efficiency ratio	76.0973%	2,337
Assets per employee ($millions)	5.1887%	2,046
Cash dividends to net income (ytd only)*	0.0000%	3,641
Condition Ratios (%)
Loss allowance to loans	0.6249%	5,935
Loan loss allowance to noncurrent loans	70.4663%	4,470
Noncurrent assets plus other real estate owned to assets	0.9572%	2,616
Noncurrent loans to loans	0.8868%	2,912
Net loans and leases to total assets	46.3125%	5,221
Net loans and leases to deposits	53.2404%	5,301
Net loans and leases to core deposits	54.2365%	5,406
Total domestic deposits to total assets	86.9875%	2,178
Equity capital to assets	12.3951%	1,729
Core capital (leverage) ratio	12.3552%	1,459
Tier 1 risk-based capital ratio	24.0670%	950
Total risk-based capital ratio	24.6318%	1,012
Memoranda:
Average total assets	$139,847,670	3,783
Average earning assets	$130,076,000	3,754
Average equity	$17,288,000	3,525
Average total loans	$65,760,330	4,281
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1054%	5,777
Cost of funding earning assets	0.4463%	2,811
Net interest margin	2.6591%	5,849
Noninterest income to average assets	0.5296%	3,094
Noninterest expense to average assets	2.3017%	4,878
Loan and lease loss provision to assets	0.1947%	956
Net operating income to assets	0.4065%	5,049
Return on assets (ROA)	0.4065%	5,159
Pretax return on assets	0.5067%	5,167
Return on Equity (ROE)	3.2928%	5,256
Retained earnings to average equity (ytd only)	3.2928%	4,010
Net charge-offs to loans	0.0000%	3,288
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.6444%	2,408
Assets per employee ($millions)	5.2349%	2,070
Cash dividends to net income (ytd only)*	0.0000%	2,870
Condition Ratios (%)
Loss allowance to loans	0.6883%	5,923
Loan loss allowance to noncurrent loans	66.4697%	4,537
Noncurrent assets plus other real estate owned to assets	1.1893%	2,255
Noncurrent loans to loans	1.0355%	2,697
Net loans and leases to total assets	45.9375%	5,205
Net loans and leases to deposits	52.8118%	5,280
Net loans and leases to core deposits	53.7901%	5,379
Total domestic deposits to total assets	86.9833%	2,376
Equity capital to assets	12.2886%	1,825
Core capital (leverage) ratio	12.1709%	1,533
Tier 1 risk-based capital ratio	24.6270%	922
Total risk-based capital ratio	25.2726%	977
Memoranda:
Average total assets	$139,723,500	3,815
Average earning assets	$129,968,500	3,780
Average equity	$17,249,500	3,556
Average total loans	$65,995,500	4,302
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2273%	5,801
Cost of funding earning assets	0.5200%	2,490
Net interest margin	2.7073%	5,927
Noninterest income to average assets	0.6222%	2,725
Noninterest expense to average assets	2.2030%	5,351
Loan and lease loss provision to assets	0.0908%	2,650
Net operating income to assets	0.6637%	4,070
Return on assets (ROA)	0.6698%	4,143
Pretax return on assets	0.8627%	4,024
Return on Equity (ROE)	5.6868%	4,311
Retained earnings to average equity (ytd only)	5.6868%	2,141
Net charge-offs to loans	0.2042%	2,032
Credit loss provision to net charge-offs	92.0863%	2,601
Earnings coverage of net charge-offs (x)	9.5899%	2,727
Efficiency ratio	69.9639%	3,531
Assets per employee ($millions)	5.1150%	2,177
Cash dividends to net income (ytd only)*	0.0000%	4,317
Condition Ratios (%)
Loss allowance to loans	0.5720%	6,181
Loan loss allowance to noncurrent loans	73.4104%	4,411
Noncurrent assets plus other real estate owned to assets	1.1035%	2,544
Noncurrent loans to loans	0.7791%	3,360
Net loans and leases to total assets	47.9570%	5,159
Net loans and leases to deposits	55.1172%	5,238
Net loans and leases to core deposits	56.1613%	5,372
Total domestic deposits to total assets	87.0092%	2,281
Equity capital to assets	12.4036%	1,704
Core capital (leverage) ratio	12.3254%	1,438
Tier 1 risk-based capital ratio	25.6882%	783
Total risk-based capital ratio	26.2631%	826
Memoranda:
Average total assets	$140,945,000	3,782
Average earning assets	$131,533,200	3,731
Average equity	$16,599,800	3,588
Average total loans	$68,076,400	4,234
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2321%	5,865
Cost of funding earning assets	0.5310%	2,459
Net interest margin	2.7012%	5,999
Noninterest income to average assets	0.5177%	3,426
Noninterest expense to average assets	2.1084%	5,551
Loan and lease loss provision to assets	0.0941%	2,480
Net operating income to assets	0.6517%	4,212
Return on assets (ROA)	0.6598%	4,264
Pretax return on assets	0.8490%	4,181
Return on Equity (ROE)	5.6758%	4,407
Retained earnings to average equity (ytd only)	5.6758%	2,621
Net charge-offs to loans	0.1929%	1,925
Credit loss provision to net charge-offs	101.0101%	2,187
Earnings coverage of net charge-offs (x)	10.0098%	2,595
Efficiency ratio	69.3284%	3,622
Assets per employee ($millions)	5.1268%	2,104
Cash dividends to net income (ytd only)*	0.0000%	3,806
Condition Ratios (%)
Loss allowance to loans	0.5875%	6,243
Loan loss allowance to noncurrent loans	52.9570%	5,034
Noncurrent assets plus other real estate owned to assets	1.1140%	2,722
Noncurrent loans to loans	1.1094%	2,851
Net loans and leases to total assets	48.1647%	5,191
Net loans and leases to deposits	55.3916%	5,285
Net loans and leases to core deposits	56.4477%	5,421
Total domestic deposits to total assets	86.9530%	2,344
Equity capital to assets	12.2176%	1,889
Core capital (leverage) ratio	12.1215%	1,620
Tier 1 risk-based capital ratio	25.3797%	845
Total risk-based capital ratio	25.9756%	891
Memoranda:
Average total assets	$141,655,000	3,793
Average earning assets	$132,334,750	3,743
Average equity	$16,467,250	3,619
Average total loans	$68,442,500	4,255
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1976%	5,958
Cost of funding earning assets	0.5374%	2,461
Net interest margin	2.6602%	6,101
Noninterest income to average assets	0.4736%	3,680
Noninterest expense to average assets	2.0444%	5,739
Loan and lease loss provision to assets	0.1163%	2,097
Net operating income to assets	0.6263%	4,212
Return on assets (ROA)	0.6263%	4,311
Pretax return on assets	0.8029%	4,251
Return on Equity (ROE)	5.4783%	4,441
Retained earnings to average equity (ytd only)	5.4783%	2,645
Net charge-offs to loans	0.0145%	3,944
Credit loss provision to net charge-offs	1,660.0000%	230
Earnings coverage of net charge-offs (x)	131.2000%	459
Efficiency ratio	68.9835%	3,837
Assets per employee ($millions)	5.5415%	1,663
Cash dividends to net income (ytd only)*	0.0000%	3,638
Condition Ratios (%)
Loss allowance to loans	0.6833%	6,201
Loan loss allowance to noncurrent loans	55.4770%	4,970
Noncurrent assets plus other real estate owned to assets	1.1431%	2,791
Noncurrent loans to loans	1.2316%	2,768
Net loans and leases to total assets	47.5167%	5,216
Net loans and leases to deposits	54.2376%	5,339
Net loans and leases to core deposits	55.2238%	5,465
Total domestic deposits to total assets	87.6083%	2,138
Equity capital to assets	11.5693%	2,356
Core capital (leverage) ratio	11.4693%	2,030
Tier 1 risk-based capital ratio	24.1643%	962
Total risk-based capital ratio	24.8530%	1,012
Memoranda:
Average total assets	$142,732,330	3,803
Average earning assets	$133,599,670	3,749
Average equity	$16,319,000	3,644
Average total loans	$68,901,670	4,273
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2027%	5,998
Cost of funding earning assets	0.5403%	2,499
Net interest margin	2.6624%	6,153
Noninterest income to average assets	0.3998%	4,188
Noninterest expense to average assets	2.1822%	5,502
Loan and lease loss provision to assets	0.0817%	2,528
Net operating income to assets	0.5096%	4,639
Return on assets (ROA)	0.5096%	4,716
Pretax return on assets	0.6335%	4,713
Return on Equity (ROE)	4.4846%	4,796
Retained earnings to average equity (ytd only)	4.4846%	3,426
Net charge-offs to loans	0.0174%	3,233
Credit loss provision to net charge-offs	966.6667%	324
Earnings coverage of net charge-offs (x)	84.6667%	520
Efficiency ratio	75.3158%	2,901
Assets per employee ($millions)	5.5661%	1,647
Cash dividends to net income (ytd only)*	0.0000%	2,852
Condition Ratios (%)
Loss allowance to loans	0.6118%	6,394
Loan loss allowance to noncurrent loans	47.3446%	5,302
Noncurrent assets plus other real estate owned to assets	1.1650%	2,931
Noncurrent loans to loans	1.2922%	2,873
Net loans and leases to total assets	47.0339%	5,228
Net loans and leases to deposits	53.4672%	5,329
Net loans and leases to core deposits	54.4314%	5,471
Total domestic deposits to total assets	87.9677%	2,248
Equity capital to assets	11.2556%	2,474
Core capital (leverage) ratio	11.2349%	2,188
Tier 1 risk-based capital ratio	24.2061%	973
Total risk-based capital ratio	24.8299%	1,045
Memoranda:
Average total assets	$142,058,500	3,850
Average earning assets	$133,262,000	3,777
Average equity	$16,144,000	3,674
Average total loans	$68,886,000	4,301
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2126%	6,123
Cost of funding earning assets	0.6586%	2,140
Net interest margin	2.5539%	6,328
Noninterest income to average assets	0.5545%	3,370
Noninterest expense to average assets	2.3687%	5,168
Loan and lease loss provision to assets	0.0636%	3,862
Net operating income to assets	0.4640%	4,892
Return on assets (ROA)	0.4659%	5,018
Pretax return on assets	0.5237%	5,129
Return on Equity (ROE)	4.1221%	5,046
Retained earnings to average equity (ytd only)	4.1221%	3,238
Net charge-offs to loans	0.1759%	3,070
Credit loss provision to net charge-offs	74.1667%	3,193
Earnings coverage of net charge-offs (x)	6.8250%	2,973
Efficiency ratio	80.1887%	2,125
Assets per employee ($millions)	5.3615%	1,784
Cash dividends to net income (ytd only)*	0.0000%	4,285
Condition Ratios (%)
Loss allowance to loans	0.5672%	6,506
Loan loss allowance to noncurrent loans	49.7468%	5,271
Noncurrent assets plus other real estate owned to assets	1.1413%	3,114
Noncurrent loans to loans	1.1402%	3,263
Net loans and leases to total assets	49.4218%	5,144
Net loans and leases to deposits	56.2447%	5,282
Net loans and leases to core deposits	57.4328%	5,430
Total domestic deposits to total assets	87.8693%	2,260
Equity capital to assets	11.4772%	2,185
Core capital (leverage) ratio	11.5339%	1,941
Tier 1 risk-based capital ratio	24.3046%	922
Total risk-based capital ratio	24.8987%	981
Memoranda:
Average total assets	$139,952,600	3,873
Average earning assets	$131,482,800	3,815
Average equity	$15,817,000	3,736
Average total loans	$68,220,400	4,335
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2017%	6,192
Cost of funding earning assets	0.6782%	2,108
Net interest margin	2.5235%	6,410
Noninterest income to average assets	0.5539%	3,428
Noninterest expense to average assets	2.2166%	5,564
Loan and lease loss provision to assets	0.0761%	3,535
Net operating income to assets	0.5325%	4,654
Return on assets (ROA)	0.5349%	4,796
Pretax return on assets	0.6367%	4,895
Return on Equity (ROE)	4.7510%	4,851
Retained earnings to average equity (ytd only)	4.7510%	3,270
Net charge-offs to loans	0.2355%	2,393
Credit loss provision to net charge-offs	66.6667%	3,140
Earnings coverage of net charge-offs (x)	6.2165%	3,014
Efficiency ratio	75.7398%	2,763
Assets per employee ($millions)	5.3349%	1,813
Cash dividends to net income (ytd only)*	0.0000%	3,738
Condition Ratios (%)
Loss allowance to loans	0.5656%	6,603
Loan loss allowance to noncurrent loans	50.2618%	5,219
Noncurrent assets plus other real estate owned to assets	1.1369%	3,379
Noncurrent loans to loans	1.1254%	3,554
Net loans and leases to total assets	48.6670%	5,282
Net loans and leases to deposits	55.2740%	5,438
Net loans and leases to core deposits	56.5662%	5,572
Total domestic deposits to total assets	88.0468%	2,103
Equity capital to assets	11.4233%	2,358
Core capital (leverage) ratio	11.5264%	2,019
Tier 1 risk-based capital ratio	24.6641%	917
Total risk-based capital ratio	25.2565%	987
Memoranda:
Average total assets	$140,091,250	3,911
Average earning assets	$131,718,000	3,844
Average equity	$15,771,500	3,779
Average total loans	$67,954,000	4,373
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2221%	6,201
Cost of funding earning assets	0.6895%	2,146
Net interest margin	2.5326%	6,412
Noninterest income to average assets	0.5535%	3,477
Noninterest expense to average assets	2.1914%	5,653
Loan and lease loss provision to assets	0.1010%	3,109
Net operating income to assets	0.5428%	4,588
Return on assets (ROA)	0.5464%	4,738
Pretax return on assets	0.6489%	4,842
Return on Equity (ROE)	4.8771%	4,790
Retained earnings to average equity (ytd only)	4.8771%	3,132
Net charge-offs to loans	0.3413%	1,815
Credit loss provision to net charge-offs	61.2069%	2,995
Earnings coverage of net charge-offs (x)	4.5172%	3,108
Efficiency ratio	74.6124%	3,008
Assets per employee ($millions)	5.3537%	1,740
Cash dividends to net income (ytd only)*	0.0000%	3,522
Condition Ratios (%)
Loss allowance to loans	0.5624%	6,654
Loan loss allowance to noncurrent loans	58.3975%	4,862
Noncurrent assets plus other real estate owned to assets	1.0561%	3,630
Noncurrent loans to loans	0.9630%	4,010
Net loans and leases to total assets	48.1451%	5,316
Net loans and leases to deposits	54.6369%	5,464
Net loans and leases to core deposits	55.5150%	5,638
Total domestic deposits to total assets	88.1182%	2,161
Equity capital to assets	11.3107%	2,453
Core capital (leverage) ratio	11.3581%	2,048
Tier 1 risk-based capital ratio	24.5356%	930
Total risk-based capital ratio	25.1238%	997
Memoranda:
Average total assets	$140,552,330	3,936
Average earning assets	$132,273,000	3,859
Average equity	$15,747,000	3,813
Average total loans	$67,975,670	4,382
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2225%	6,276
Cost of funding earning assets	0.7004%	2,201
Net interest margin	2.5221%	6,482
Noninterest income to average assets	0.5155%	3,673
Noninterest expense to average assets	2.2205%	5,634
Loan and lease loss provision to assets	0.0255%	4,151
Net operating income to assets	0.5423%	4,491
Return on assets (ROA)	0.5495%	4,612
Pretax return on assets	0.6542%	4,770
Return on Equity (ROE)	4.9275%	4,614
Retained earnings to average equity (ytd only)	4.9275%	3,279
Net charge-offs to loans	0.0000%	4,145
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.7875%	2,796
Assets per employee ($millions)	5.4910%	1,681
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	0.6413%	6,655
Loan loss allowance to noncurrent loans	27.0287%	6,127
Noncurrent assets plus other real estate owned to assets	1.3673%	3,224
Noncurrent loans to loans	2.3726%	2,194
Net loans and leases to total assets	46.9909%	5,333
Net loans and leases to deposits	53.2707%	5,496
Net loans and leases to core deposits	54.1011%	5,658
Total domestic deposits to total assets	88.2115%	2,187
Equity capital to assets	11.1035%	2,840
Core capital (leverage) ratio	10.9403%	2,307
Tier 1 risk-based capital ratio	24.0960%	1,001
Total risk-based capital ratio	24.7640%	1,066
Memoranda:
Average total assets	$141,230,500	3,960
Average earning assets	$133,063,000	3,879
Average equity	$15,748,500	3,862
Average total loans	$68,266,000	4,412
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5224%	6,336
Cost of funding earning assets	0.9615%	1,576
Net interest margin	2.5609%	6,667
Noninterest income to average assets	0.6599%	2,941
Noninterest expense to average assets	2.1431%	6,043
Loan and lease loss provision to assets	0.0743%	4,795
Net operating income to assets	0.6199%	4,146
Return on assets (ROA)	0.6199%	4,406
Pretax return on assets	0.8448%	4,133
Return on Equity (ROE)	5.7081%	4,298
Retained earnings to average equity (ytd only)	5.7081%	2,248
Net charge-offs to loans	-0.0295%	6,612
Credit loss provision to net charge-offs	-520.0000%	6,524
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.9860%	3,820
Assets per employee ($millions)	5.1739%	2,017
Cash dividends to net income (ytd only)*	0.0000%	4,298
Condition Ratios (%)
Loss allowance to loans	0.6144%	6,739
Loan loss allowance to noncurrent loans	29.9647%	6,068
Noncurrent assets plus other real estate owned to assets	1.2907%	3,496
Noncurrent loans to loans	2.0504%	2,642
Net loans and leases to total assets	49.0984%	5,294
Net loans and leases to deposits	55.6915%	5,474
Net loans and leases to core deposits	56.5768%	5,671
Total domestic deposits to total assets	88.1614%	2,124
Equity capital to assets	11.1994%	2,734
Core capital (leverage) ratio	11.0426%	2,221
Tier 1 risk-based capital ratio	23.5760%	1,023
Total risk-based capital ratio	24.2240%	1,100
Memoranda:
Average total assets	$140,027,600	3,955
Average earning assets	$131,360,400	3,861
Average equity	$15,206,400	3,916
Average total loans	$67,685,800	4,433
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5305%	6,474
Cost of funding earning assets	1.0113%	1,490
Net interest margin	2.5192%	6,815
Noninterest income to average assets	0.5748%	3,443
Noninterest expense to average assets	2.0869%	6,193
Loan and lease loss provision to assets	-0.0114%	6,956
Net operating income to assets	0.6204%	4,297
Return on assets (ROA)	0.6204%	4,550
Pretax return on assets	0.8602%	4,262
Return on Equity (ROE)	5.7583%	4,458
Retained earnings to average equity (ytd only)	5.7583%	2,859
Net charge-offs to loans	-0.0396%	6,647
Credit loss provision to net charge-offs	60.0000%	4,145
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	71.0859%	3,491
Assets per employee ($millions)	5.1870%	1,943
Cash dividends to net income (ytd only)*	0.0000%	3,713
Condition Ratios (%)
Loss allowance to loans	0.4533%	6,981
Loan loss allowance to noncurrent loans	26.1238%	6,305
Noncurrent assets plus other real estate owned to assets	1.3110%	3,673
Noncurrent loans to loans	1.7352%	3,186
Net loans and leases to total assets	48.2970%	5,510
Net loans and leases to deposits	54.7648%	5,743
Net loans and leases to core deposits	55.7635%	5,910
Total domestic deposits to total assets	88.1899%	1,927
Equity capital to assets	11.0925%	3,160
Core capital (leverage) ratio	10.8604%	2,537
Tier 1 risk-based capital ratio	23.3128%	1,128
Total risk-based capital ratio	23.7849%	1,220
Memoranda:
Average total assets	$140,110,750	3,984
Average earning assets	$131,308,000	3,909
Average equity	$15,096,750	3,978
Average total loans	$67,354,250	4,491
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5591%	6,535
Cost of funding earning assets	1.0619%	1,402
Net interest margin	2.4972%	6,893
Noninterest income to average assets	0.5081%	3,872
Noninterest expense to average assets	2.0723%	6,288
Loan and lease loss provision to assets	-0.0186%	7,039
Net operating income to assets	0.5666%	4,508
Return on assets (ROA)	0.5666%	4,789
Pretax return on assets	0.7935%	4,497
Return on Equity (ROE)	5.3108%	4,664
Retained earnings to average equity (ytd only)	5.3108%	3,088
Net charge-offs to loans	-0.0566%	6,697
Credit loss provision to net charge-offs	68.4211%	3,603
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.7820%	3,283
Assets per employee ($millions)	5.4032%	1,705
Cash dividends to net income (ytd only)*	0.0000%	3,523
Condition Ratios (%)
Loss allowance to loans	0.4550%	7,045
Loan loss allowance to noncurrent loans	25.6496%	6,334
Noncurrent assets plus other real estate owned to assets	1.3062%	3,815
Noncurrent loans to loans	1.7737%	3,252
Net loans and leases to total assets	47.6599%	5,649
Net loans and leases to deposits	53.7550%	5,896
Net loans and leases to core deposits	54.7274%	6,044
Total domestic deposits to total assets	88.6613%	1,731
Equity capital to assets	10.8212%	3,319
Core capital (leverage) ratio	10.6447%	2,665
Tier 1 risk-based capital ratio	23.5322%	1,072
Total risk-based capital ratio	24.0137%	1,147
Memoranda:
Average total assets	$140,131,000	4,006
Average earning assets	$131,268,670	3,935
Average equity	$14,950,670	3,999
Average total loans	$67,156,330	4,519
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5856%	6,591
Cost of funding earning assets	1.0983%	1,414
Net interest margin	2.4873%	6,963
Noninterest income to average assets	0.5545%	3,535
Noninterest expense to average assets	2.1407%	6,176
Loan and lease loss provision to assets	-0.0772%	7,169
Net operating income to assets	0.5373%	4,664
Return on assets (ROA)	0.5373%	4,871
Pretax return on assets	0.8145%	4,360
Return on Equity (ROE)	5.0725%	4,754
Retained earnings to average equity (ytd only)	5.0725%	3,512
Net charge-offs to loans	-0.1133%	6,835
Credit loss provision to net charge-offs	142.1053%	1,739
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	74.3793%	3,038
Assets per employee ($millions)	5.6300%	1,590
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	0.4362%	7,112
Loan loss allowance to noncurrent loans	16.6667%	6,648
Noncurrent assets plus other real estate owned to assets	1.5964%	3,454
Noncurrent loans to loans	2.6174%	2,486
Net loans and leases to total assets	47.3492%	5,640
Net loans and leases to deposits	53.3459%	5,875
Net loans and leases to core deposits	54.3035%	6,035
Total domestic deposits to total assets	88.7588%	1,846
Equity capital to assets	10.6046%	3,371
Core capital (leverage) ratio	10.4710%	2,782
Tier 1 risk-based capital ratio	22.7307%	1,168
Total risk-based capital ratio	23.1811%	1,270
Memoranda:
Average total assets	$139,955,000	4,034
Average earning assets	$130,745,000	3,978
Average equity	$14,825,000	4,031
Average total loans	$67,104,500	4,545
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9036%	6,610
Cost of funding earning assets	1.3992%	1,043
Net interest margin	2.5044%	7,055
Noninterest income to average assets	0.5064%	3,804
Noninterest expense to average assets	2.0345%	6,615
Loan and lease loss provision to assets	0.0635%	5,815
Net operating income to assets	0.5592%	4,189
Return on assets (ROA)	0.5641%	4,359
Pretax return on assets	0.7516%	4,150
Return on Equity (ROE)	5.4206%	4,184
Retained earnings to average equity (ytd only)	5.4206%	2,355
Net charge-offs to loans	0.0189%	6,178
Credit loss provision to net charge-offs	669.2308%	329
Earnings coverage of net charge-offs (x)	85.2308%	345
Efficiency ratio	71.5606%	3,672
Assets per employee ($millions)	5.3523%	1,772
Cash dividends to net income (ytd only)*	0.0000%	4,078
Condition Ratios (%)
Loss allowance to loans	0.4459%	7,139
Loan loss allowance to noncurrent loans	21.7549%	6,558
Noncurrent assets plus other real estate owned to assets	1.4631%	3,780
Noncurrent loans to loans	2.0499%	3,143
Net loans and leases to total assets	48.1266%	5,812
Net loans and leases to deposits	54.0820%	6,062
Net loans and leases to core deposits	54.9423%	6,232
Total domestic deposits to total assets	88.9882%	1,539
Equity capital to assets	10.5806%	3,440
Core capital (leverage) ratio	10.4841%	2,748
Tier 1 risk-based capital ratio	22.2500%	1,198
Total risk-based capital ratio	22.7081%	1,300
Memoranda:
Average total assets	$137,036,400	4,031
Average earning assets	$127,855,800	3,973
Average equity	$14,260,400	4,054
Average total loans	$68,885,800	4,535
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9579%	6,652
Cost of funding earning assets	1.4381%	1,081
Net interest margin	2.5198%	7,125
Noninterest income to average assets	0.4766%	4,069
Noninterest expense to average assets	2.1342%	6,448
Loan and lease loss provision to assets	0.0430%	5,902
Net operating income to assets	0.4814%	4,628
Return on assets (ROA)	0.4864%	4,792
Pretax return on assets	0.6612%	4,607
Return on Equity (ROE)	4.6943%	4,667
Retained earnings to average equity (ytd only)	4.6943%	3,383
Net charge-offs to loans	0.0250%	5,791
Credit loss provision to net charge-offs	338.4615%	834
Earnings coverage of net charge-offs (x)	54.9325%	595
Efficiency ratio	75.3708%	2,949
Assets per employee ($millions)	5.1267%	2,025
Cash dividends to net income (ytd only)*	0.0000%	3,512
Condition Ratios (%)
Loss allowance to loans	0.4543%	7,190
Loan loss allowance to noncurrent loans	21.6045%	6,631
Noncurrent assets plus other real estate owned to assets	1.4203%	3,997
Noncurrent loans to loans	2.1028%	3,241
Net loans and leases to total assets	48.5970%	5,882
Net loans and leases to deposits	54.5077%	6,163
Net loans and leases to core deposits	55.3723%	6,358
Total domestic deposits to total assets	89.1563%	1,329
Equity capital to assets	10.4485%	3,770
Core capital (leverage) ratio	10.3423%	3,047
Tier 1 risk-based capital ratio	21.6543%	1,345
Total risk-based capital ratio	22.1192%	1,456
Memoranda:
Average total assets	$136,505,500	4,070
Average earning assets	$127,574,000	4,005
Average equity	$14,144,500	4,099
Average total loans	$69,289,000	4,558
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0509%	6,571
Cost of funding earning assets	1.4861%	1,051
Net interest margin	2.5648%	7,144
Noninterest income to average assets	0.4416%	4,339
Noninterest expense to average assets	2.1138%	6,566
Loan and lease loss provision to assets	-0.0103%	7,368
Net operating income to assets	0.5305%	4,375
Return on assets (ROA)	0.5358%	4,492
Pretax return on assets	0.7463%	4,226
Return on Equity (ROE)	5.1858%	4,369
Retained earnings to average equity (ytd only)	5.1858%	2,885
Net charge-offs to loans	0.0372%	5,329
Credit loss provision to net charge-offs	-53.8462%	6,255
Earnings coverage of net charge-offs (x)	38.0769%	769
Efficiency ratio	74.3656%	3,301
Assets per employee ($millions)	5.2200%	1,849
Cash dividends to net income (ytd only)*	0.0000%	3,290
Condition Ratios (%)
Loss allowance to loans	0.5639%	7,184
Loan loss allowance to noncurrent loans	19.7842%	6,726
Noncurrent assets plus other real estate owned to assets	1.7794%	3,538
Noncurrent loans to loans	2.8504%	2,563
Net loans and leases to total assets	50.0195%	5,818
Net loans and leases to deposits	56.1450%	6,121
Net loans and leases to core deposits	57.0557%	6,344
Total domestic deposits to total assets	89.0900%	1,484
Equity capital to assets	10.5328%	3,464
Core capital (leverage) ratio	10.4648%	2,750
Tier 1 risk-based capital ratio	21.6131%	1,309
Total risk-based capital ratio	22.1994%	1,408
Memoranda:
Average total assets	$135,866,670	4,111
Average earning assets	$127,182,670	4,040
Average equity	$14,038,330	4,112
Average total loans	$69,860,000	4,580
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0794%	6,543
Cost of funding earning assets	1.5243%	1,074
Net interest margin	2.5551%	7,157
Noninterest income to average assets	0.3649%	4,994
Noninterest expense to average assets	2.0833%	6,674
Loan and lease loss provision to assets	0.0265%	5,633
Net operating income to assets	0.4489%	4,722
Return on assets (ROA)	0.4590%	4,751
Pretax return on assets	0.6621%	4,449
Return on Equity (ROE)	4.4860%	4,664
Retained earnings to average equity (ytd only)	4.4860%	3,482
Net charge-offs to loans	0.0736%	4,201
Credit loss provision to net charge-offs	69.2308%	3,365
Earnings coverage of net charge-offs (x)	17.6154%	1,216
Efficiency ratio	75.5603%	3,234
Assets per employee ($millions)	5.3529%	1,712
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	0.6057%	7,196
Loan loss allowance to noncurrent loans	21.7725%	6,701
Noncurrent assets plus other real estate owned to assets	1.6598%	3,761
Noncurrent loans to loans	2.7818%	2,719
Net loans and leases to total assets	50.1139%	5,836
Net loans and leases to deposits	55.9153%	6,134
Net loans and leases to core deposits	56.7936%	6,352
Total domestic deposits to total assets	89.6246%	1,413
Equity capital to assets	10.0420%	3,724
Core capital (leverage) ratio	10.0298%	3,108
Tier 1 risk-based capital ratio	20.5944%	1,457
Total risk-based capital ratio	21.2215%	1,561
Memoranda:
Average total assets	$135,940,500	4,135
Average earning assets	$127,272,500	4,079
Average equity	$13,910,000	4,122
Average total loans	$70,654,500	4,596
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2066%	6,912
Cost of funding earning assets	1.8059%	1,146
Net interest margin	2.4008%	7,318
Noninterest income to average assets	0.6773%	2,980
Noninterest expense to average assets	2.2067%	6,594
Loan and lease loss provision to assets	0.2738%	4,612
Net operating income to assets	0.3316%	4,821
Return on assets (ROA)	0.3333%	4,976
Pretax return on assets	0.4493%	4,798
Return on Equity (ROE)	3.1912%	4,874
Retained earnings to average equity (ytd only)	3.1912%	3,633
Net charge-offs to loans	0.8521%	2,505
Credit loss provision to net charge-offs	54.8092%	6,182
Earnings coverage of net charge-offs (x)	1.4427%	4,677
Efficiency ratio	75.3778%	3,136
Assets per employee ($millions)	5.1041%	2,008
Cash dividends to net income (ytd only)*	0.0000%	3,950
Condition Ratios (%)
Loss allowance to loans	0.6031%	7,260
Loan loss allowance to noncurrent loans	20.3318%	6,798
Noncurrent assets plus other real estate owned to assets	1.8537%	3,550
Noncurrent loans to loans	2.9661%	2,577
Net loans and leases to total assets	53.2824%	5,742
Net loans and leases to deposits	59.6766%	6,095
Net loans and leases to core deposits	60.6585%	6,343
Total domestic deposits to total assets	89.2853%	1,500
Equity capital to assets	10.4321%	3,236
Core capital (leverage) ratio	10.4037%	2,666
Tier 1 risk-based capital ratio	20.3963%	1,419
Total risk-based capital ratio	21.0303%	1,499
Memoranda:
Average total assets	$131,101,200	4,236
Average earning assets	$122,877,800	4,168
Average equity	$13,694,000	4,214
Average total loans	$76,871,600	4,425
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2663%	7,012
Cost of funding earning assets	1.8556%	1,187
Net interest margin	2.4107%	7,431
Noninterest income to average assets	0.6111%	3,373
Noninterest expense to average assets	2.1535%	6,732
Loan and lease loss provision to assets	0.2244%	4,816
Net operating income to assets	0.3605%	4,928
Return on assets (ROA)	0.3672%	5,077
Pretax return on assets	0.5019%	4,917
Return on Equity (ROE)	3.5147%	4,999
Retained earnings to average equity (ytd only)	3.5147%	3,983
Net charge-offs to loans	0.9773%	2,044
Credit loss provision to net charge-offs	38.3275%	6,038
Earnings coverage of net charge-offs (x)	1.2247%	4,838
Efficiency ratio	75.0178%	3,139
Assets per employee ($millions)	5.4530%	1,673
Cash dividends to net income (ytd only)*	0.0000%	3,526
Condition Ratios (%)
Loss allowance to loans	0.5018%	7,451
Loan loss allowance to noncurrent loans	20.7611%	6,872
Noncurrent assets plus other real estate owned to assets	1.9187%	3,588
Noncurrent loans to loans	2.4172%	3,215
Net loans and leases to total assets	56.2057%	5,520
Net loans and leases to deposits	63.2036%	6,005
Net loans and leases to core deposits	64.4017%	6,265
Total domestic deposits to total assets	88.9280%	1,427
Equity capital to assets	10.5784%	3,433
Core capital (leverage) ratio	10.4949%	2,694
Tier 1 risk-based capital ratio	19.9942%	1,553
Total risk-based capital ratio	20.5348%	1,656
Memoranda:
Average total assets	$130,700,000	4,309
Average earning assets	$122,508,750	4,230
Average equity	$13,656,500	4,284
Average total loans	$78,305,000	4,453
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2905%	7,064
Cost of funding earning assets	1.8975%	1,246
Net interest margin	2.3930%	7,482
Noninterest income to average assets	0.4868%	4,217
Noninterest expense to average assets	2.1096%	6,874
Loan and lease loss provision to assets	0.1393%	5,503
Net operating income to assets	0.3564%	4,943
Return on assets (ROA)	0.3598%	5,090
Pretax return on assets	0.4899%	4,938
Return on Equity (ROE)	3.4574%	5,034
Retained earnings to average equity (ytd only)	3.4574%	3,905
Net charge-offs to loans	0.3886%	3,423
Credit loss provision to net charge-offs	58.7097%	5,235
Earnings coverage of net charge-offs (x)	2.6323%	3,681
Efficiency ratio	77.1557%	2,869
Assets per employee ($millions)	5.7254%	1,427
Cash dividends to net income (ytd only)*	0.0000%	3,319
Condition Ratios (%)
Loss allowance to loans	0.8411%	6,935
Loan loss allowance to noncurrent loans	26.3978%	6,586
Noncurrent assets plus other real estate owned to assets	1.9015%	3,617
Noncurrent loans to loans	3.1861%	2,515
Net loans and leases to total assets	59.1791%	5,215
Net loans and leases to deposits	66.4733%	5,749
Net loans and leases to core deposits	67.7246%	6,080
Total domestic deposits to total assets	89.0268%	1,427
Equity capital to assets	10.4180%	3,509
Core capital (leverage) ratio	10.3295%	2,790
Tier 1 risk-based capital ratio	19.3738%	1,631
Total risk-based capital ratio	20.3162%	1,666
Memoranda:
Average total assets	$130,643,000	4,336
Average earning assets	$122,690,000	4,252
Average equity	$13,594,000	4,291
Average total loans	$79,764,000	4,446
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3241%	7,095
Cost of funding earning assets	1.9247%	1,347
Net interest margin	2.3994%	7,534
Noninterest income to average assets	0.4119%	4,796
Noninterest expense to average assets	2.1026%	6,935
Loan and lease loss provision to assets	0.0338%	6,338
Net operating income to assets	0.3803%	4,924
Return on assets (ROA)	0.3781%	5,067
Pretax return on assets	0.5257%	4,872
Return on Equity (ROE)	3.6360%	5,060
Retained earnings to average equity (ytd only)	3.6360%	3,971
Net charge-offs to loans	0.0000%	5,609
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	78.8927%	2,741
Assets per employee ($millions)	5.7290%	1,470
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	0.9206%	6,774
Loan loss allowance to noncurrent loans	23.2030%	6,844
Noncurrent assets plus other real estate owned to assets	2.4073%	3,025
Noncurrent loans to loans	3.9674%	1,978
Net loans and leases to total assets	60.1187%	5,102
Net loans and leases to deposits	67.4989%	5,650
Net loans and leases to core deposits	68.7615%	6,026
Total domestic deposits to total assets	89.0662%	1,485
Equity capital to assets	10.3130%	3,458
Core capital (leverage) ratio	10.2353%	2,892
Tier 1 risk-based capital ratio	19.2679%	1,659
Total risk-based capital ratio	20.3203%	1,673
Memoranda:
Average total assets	$130,122,000	4,411
Average earning assets	$122,199,500	4,323
Average equity	$13,531,500	4,348
Average total loans	$80,350,500	4,493
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8605%	6,807
Cost of funding earning assets	2.3251%	1,562
Net interest margin	2.5354%	7,387
Noninterest income to average assets	0.4203%	5,049
Noninterest expense to average assets	2.1792%	7,038
Loan and lease loss provision to assets	0.2372%	5,478
Net operating income to assets	0.3009%	4,537
Return on assets (ROA)	0.3009%	4,609
Pretax return on assets	0.3776%	4,557
Return on Equity (ROE)	2.7432%	4,609
Retained earnings to average equity (ytd only)	2.7432%	3,234
Net charge-offs to loans	0.0257%	6,887
Credit loss provision to net charge-offs	1,400.0000%	213
Earnings coverage of net charge-offs (x)	36.2857%	651
Efficiency ratio	77.9960%	3,192
Assets per employee ($millions)	5.5860%	1,575
Cash dividends to net income (ytd only)*	0.0000%	4,015
Condition Ratios (%)
Loss allowance to loans	0.8978%	6,822
Loan loss allowance to noncurrent loans	30.3474%	6,449
Noncurrent assets plus other real estate owned to assets	1.9326%	3,480
Noncurrent loans to loans	2.9586%	2,600
Net loans and leases to total assets	62.2862%	4,931
Net loans and leases to deposits	69.9816%	5,604
Net loans and leases to core deposits	82.9376%	5,822
Total domestic deposits to total assets	89.0036%	1,484
Equity capital to assets	10.4874%	3,194
Core capital (leverage) ratio	10.3995%	2,689
Tier 1 risk-based capital ratio	19.2938%	1,595
Total risk-based capital ratio	20.3417%	1,600
Memoranda:
Average total assets	$123,945,200	4,475
Average earning assets	$116,037,600	4,395
Average equity	$13,597,200	4,361
Average total loans	$81,729,200	4,455
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9408%	6,793
Cost of funding earning assets	2.3926%	1,661
Net interest margin	2.5481%	7,411
Noninterest income to average assets	0.4223%	5,118
Noninterest expense to average assets	2.1441%	7,105
Loan and lease loss provision to assets	0.0619%	6,746
Net operating income to assets	0.4495%	4,196
Return on assets (ROA)	0.4495%	4,299
Pretax return on assets	0.6004%	4,186
Return on Equity (ROE)	4.0504%	4,356
Retained earnings to average equity (ytd only)	4.0504%	3,013
Net charge-offs to loans	0.0309%	6,458
Credit loss provision to net charge-offs	300.0000%	1,367
Earnings coverage of net charge-offs (x)	32.1086%	886
Efficiency ratio	76.4023%	3,435
Assets per employee ($millions)	5.1803%	1,919
Cash dividends to net income (ytd only)*	0.0000%	3,688
Condition Ratios (%)
Loss allowance to loans	0.5963%	7,585
Loan loss allowance to noncurrent loans	17.1389%	7,230
Noncurrent assets plus other real estate owned to assets	2.2996%	2,980
Noncurrent loans to loans	3.4794%	2,149
Net loans and leases to total assets	65.6964%	4,489
Net loans and leases to deposits	74.3943%	5,307
Net loans and leases to core deposits	86.9721%	5,760
Total domestic deposits to total assets	88.3083%	1,511
Equity capital to assets	11.1688%	2,856
Core capital (leverage) ratio	10.8886%	2,489
Tier 1 risk-based capital ratio	19.4649%	1,654
Total risk-based capital ratio	20.1716%	1,727
Memoranda:
Average total assets	$122,812,000	4,526
Average earning assets	$114,905,250	4,452
Average equity	$13,628,000	4,384
Average total loans	$81,974,250	4,484
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9981%	6,776
Cost of funding earning assets	2.4615%	1,742
Net interest margin	2.5366%	7,432
Noninterest income to average assets	0.4546%	4,818
Noninterest expense to average assets	2.1618%	7,145
Loan and lease loss provision to assets	0.0114%	7,098
Net operating income to assets	0.4840%	4,149
Return on assets (ROA)	0.4840%	4,263
Pretax return on assets	0.6557%	4,143
Return on Equity (ROE)	4.3716%	4,352
Retained earnings to average equity (ytd only)	4.3716%	2,867
Net charge-offs to loans	0.0317%	6,015
Credit loss provision to net charge-offs	53.8462%	5,701
Earnings coverage of net charge-offs (x)	31.3846%	963
Efficiency ratio	76.4162%	3,616
Assets per employee ($millions)	5.4425%	1,630
Cash dividends to net income (ytd only)*	0.0000%	3,532
Condition Ratios (%)
Loss allowance to loans	0.5473%	7,726
Loan loss allowance to noncurrent loans	21.9057%	7,022
Noncurrent assets plus other real estate owned to assets	1.6265%	3,772
Noncurrent loans to loans	2.4985%	2,898
Net loans and leases to total assets	64.7435%	4,824
Net loans and leases to deposits	73.1768%	5,583
Net loans and leases to core deposits	85.5933%	5,950
Total domestic deposits to total assets	88.4755%	1,540
Equity capital to assets	10.9213%	2,997
Core capital (leverage) ratio	10.7352%	2,624
Tier 1 risk-based capital ratio	19.2711%	1,726
Total risk-based capital ratio	19.9121%	1,803
Memoranda:
Average total assets	$122,306,670	4,572
Average earning assets	$114,483,000	4,504
Average equity	$13,542,000	4,410
Average total loans	$81,909,330	4,529
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0539%	6,780
Cost of funding earning assets	2.5375%	1,777
Net interest margin	2.5163%	7,480
Noninterest income to average assets	0.4501%	4,766
Noninterest expense to average assets	2.0617%	7,208
Loan and lease loss provision to assets	0.0000%	6,744
Net operating income to assets	0.5361%	4,272
Return on assets (ROA)	0.5361%	4,462
Pretax return on assets	0.7479%	4,265
Return on Equity (ROE)	4.8080%	4,549
Retained earnings to average equity (ytd only)	4.8080%	3,231
Net charge-offs to loans	0.0585%	4,657
Credit loss provision to net charge-offs	0.0000%	5,248
Earnings coverage of net charge-offs (x)	18.8333%	1,443
Efficiency ratio	73.3804%	3,932
Assets per employee ($millions)	5.0450%	2,024
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	0.5393%	7,772
Loan loss allowance to noncurrent loans	21.9124%	7,069
Noncurrent assets plus other real estate owned to assets	1.6584%	3,429
Noncurrent loans to loans	2.4612%	2,683
Net loans and leases to total assets	67.0185%	4,338
Net loans and leases to deposits	75.8523%	5,249
Net loans and leases to core deposits	90.0492%	5,549
Total domestic deposits to total assets	88.3540%	1,549
Equity capital to assets	11.1695%	2,837
Core capital (leverage) ratio	10.9938%	2,500
Tier 1 risk-based capital ratio	18.9121%	1,833
Total risk-based capital ratio	19.5385%	1,941
Memoranda:
Average total assets	$120,871,500	4,624
Average earning assets	$113,339,000	4,551
Average equity	$13,477,500	4,457
Average total loans	$82,119,000	4,556
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3798%	7,489
Cost of funding earning assets	3.0272%	1,772
Net interest margin	2.3526%	7,885
Noninterest income to average assets	0.4151%	5,344
Noninterest expense to average assets	2.1080%	7,219
Loan and lease loss provision to assets	1.3739%	1,013
Net operating income to assets	-0.4367%	6,863
Return on assets (ROA)	-0.4367%	6,740
Pretax return on assets	-0.8676%	6,922
Return on Equity (ROE)	-3.8800%	6,730
Retained earnings to average equity (ytd only)	-3.8800%	6,298
Net charge-offs to loans	0.0205%	6,575
Credit loss provision to net charge-offs	9,752.9412%	61
Earnings coverage of net charge-offs (x)	35.9412%	1,022
Efficiency ratio	80.6339%	2,511
Assets per employee ($millions)	4.8265%	2,146
Cash dividends to net income (ytd only)*	0.0000%	4,825
Condition Ratios (%)
Loss allowance to loans	0.5469%	7,771
Loan loss allowance to noncurrent loans	28.6984%	6,782
Noncurrent assets plus other real estate owned to assets	1.3053%	3,610
Noncurrent loans to loans	1.9056%	2,891
Net loans and leases to total assets	68.1236%	4,446
Net loans and leases to deposits	77.1288%	5,452
Net loans and leases to core deposits	94.9433%	5,355
Total domestic deposits to total assets	88.3245%	1,328
Equity capital to assets	11.1310%	2,941
Core capital (leverage) ratio	10.9117%	2,658
Tier 1 risk-based capital ratio	18.7139%	1,863
Total risk-based capital ratio	19.3580%	1,964
Memoranda:
Average total assets	$120,682,400	4,502
Average earning assets	$112,810,800	4,452
Average equity	$13,582,400	4,428
Average total loans	$82,988,000	4,426