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Pioneer Bank, Performance and Condition Ratios

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2025-03-31		Rank
Percentage of unprofitable institutions	0.0000%	303
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.2253%	918
Cost of funding earning assets	2.4400%	959
Net interest margin	3.7854%	1,709
Noninterest income to average assets	0.3000%	2,864
Noninterest expense to average assets	2.3775%	2,641
Loan and lease loss provision to assets	0.0000%	2,722
Net operating income to assets	1.3533%	1,364
Return on assets (ROA)	1.3533%	1,355
Pretax return on assets	1.4355%	1,653
Return on Equity (ROE)	15.1400%	1,040
Retained earnings to average equity (ytd only)	15.1367%	404
Net charge-offs to loans	0.0035%	2,160
Credit loss provision to net charge-offs	0.0000%	1,760
Earnings coverage of net charge-offs (x)	608.0000%	159
Efficiency ratio	62.3529%	2,670
Assets per employee ($millions)	6.9610%	2,235
Cash dividends to net income (ytd only)*	0.0000%	2,332
Condition Ratios (%)
Loss allowance to loans	1.0339%	3,051
Loan loss allowance to noncurrent loans	154.4867%	2,455
Noncurrent assets plus other real estate owned to assets	0.4653%	1,556
Noncurrent loans to loans	0.6692%	1,506
Net loans and leases to total assets	68.4600%	2,024
Net loans and leases to deposits	77.0820%	2,311
Net loans and leases to core deposits	85.2307%	2,376
Total domestic deposits to total assets	88.8200%	1,259
Equity capital to assets	9.3223%	2,703
Core capital (leverage) ratio	9.9075%	2,892
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.8894%	1,558
Memoranda:
Average total assets	$847,109,500	1,184
Average earning assets	$786,077,500	1,181
Average equity	$75,736,500	1,285
Average total loans	$578,655,500	1,186
2024-12-31		Rank
Percentage of unprofitable institutions	0.0000%	319
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1727%	1,067
Cost of funding earning assets	2.5600%	1,035
Net interest margin	3.6127%	1,851
Noninterest income to average assets	0.3500%	2,750
Noninterest expense to average assets	2.3202%	2,812
Loan and lease loss provision to assets	0.1300%	1,072
Net operating income to assets	1.1636%	1,587
Return on assets (ROA)	1.1636%	1,595
Pretax return on assets	1.2589%	1,845
Return on Equity (ROE)	13.3700%	1,272
Retained earnings to average equity (ytd only)	6.6956%	1,553
Net charge-offs to loans	0.1765%	781
Credit loss provision to net charge-offs	105.1051%	1,822
Earnings coverage of net charge-offs (x)	11.4404%	2,209
Efficiency ratio	62.6002%	2,875
Assets per employee ($millions)	7.0984%	2,101
Cash dividends to net income (ytd only)*	49.9062%	1,632
Condition Ratios (%)
Loss allowance to loans	1.0318%	3,046
Loan loss allowance to noncurrent loans	96.4666%	3,008
Noncurrent assets plus other real estate owned to assets	0.7239%	1,022
Noncurrent loans to loans	1.0696%	946
Net loans and leases to total assets	66.7700%	2,291
Net loans and leases to deposits	74.7433%	2,583
Net loans and leases to core deposits	82.0971%	2,619
Total domestic deposits to total assets	89.3300%	1,041
Equity capital to assets	8.5693%	3,138
Core capital (leverage) ratio	9.4782%	3,254
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.4229%	1,704
Memoranda:
Average total assets	$824,481,200	1,188
Average earning assets	$765,389,400	1,186
Average equity	$71,778,400	1,301
Average total loans	$566,091,000	1,179
2024-09-30		Rank
Percentage of unprofitable institutions	0.0000%	305
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.0927%	1,141
Cost of funding earning assets	2.5406%	1,092
Net interest margin	3.5521%	1,918
Noninterest income to average assets	0.3600%	2,665
Noninterest expense to average assets	2.3044%	2,785
Loan and lease loss provision to assets	0.1700%	713
Net operating income to assets	1.0941%	1,782
Return on assets (ROA)	1.0941%	1,784
Pretax return on assets	1.1836%	2,025
Return on Equity (ROE)	12.5200%	1,480
Retained earnings to average equity (ytd only)	7.3729%	1,606
Net charge-offs to loans	0.1862%	624
Credit loss provision to net charge-offs	133.5878%	1,388
Earnings coverage of net charge-offs (x)	10.5509%	2,113
Efficiency ratio	62.9678%	2,817
Assets per employee ($millions)	7.2246%	1,987
Cash dividends to net income (ytd only)*	41.0904%	1,711
Condition Ratios (%)
Loss allowance to loans	1.0682%	2,911
Loan loss allowance to noncurrent loans	109.7289%	2,920
Noncurrent assets plus other real estate owned to assets	0.6643%	1,084
Noncurrent loans to loans	0.9735%	1,027
Net loans and leases to total assets	67.2700%	2,175
Net loans and leases to deposits	75.4529%	2,572
Net loans and leases to core deposits	83.8354%	2,579
Total domestic deposits to total assets	89.1500%	851
Equity capital to assets	8.9571%	3,069
Core capital (leverage) ratio	9.5641%	3,216
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.2147%	1,825
Memoranda:
Average total assets	$815,876,000	1,193
Average earning assets	$757,649,000	1,191
Average equity	$71,322,500	1,295
Average total loans	$562,745,500	1,173
2024-06-30		Rank
Percentage of unprofitable institutions	0.0000%	306
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.0343%	1,116
Cost of funding earning assets	2.4618%	1,150
Net interest margin	3.5725%	1,833
Noninterest income to average assets	0.3300%	2,813
Noninterest expense to average assets	2.3806%	2,578
Loan and lease loss provision to assets	0.2100%	514
Net operating income to assets	0.9549%	2,133
Return on assets (ROA)	0.9549%	2,136
Pretax return on assets	1.0489%	2,339
Return on Equity (ROE)	11.0200%	1,874
Retained earnings to average equity (ytd only)	5.8096%	2,077
Net charge-offs to loans	0.2804%	392
Credit loss provision to net charge-offs	108.8348%	1,417
Earnings coverage of net charge-offs (x)	6.4853%	2,150
Efficiency ratio	65.3817%	2,612
Assets per employee ($millions)	6.4472%	2,449
Cash dividends to net income (ytd only)*	47.2765%	1,560
Condition Ratios (%)
Loss allowance to loans	1.0468%	3,042
Loan loss allowance to noncurrent loans	135.4030%	2,788
Noncurrent assets plus other real estate owned to assets	0.5565%	1,227
Noncurrent loans to loans	0.7731%	1,204
Net loans and leases to total assets	70.9100%	1,791
Net loans and leases to deposits	79.3547%	2,258
Net loans and leases to core deposits	87.9209%	2,270
Total domestic deposits to total assets	89.3600%	892
Equity capital to assets	8.6759%	2,970
Core capital (leverage) ratio	9.8181%	2,967
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.0691%	1,861
Memoranda:
Average total assets	$803,666,000	1,204
Average earning assets	$744,579,667	1,209
Average equity	$69,643,333	1,313
Average total loans	$557,105,000	1,184
2024-03-31		Rank
Percentage of unprofitable institutions	0.0000%	11
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9825%	1,084
Cost of funding earning assets	2.4397%	1,100
Net interest margin	3.5428%	1,816
Noninterest income to average assets	0.3100%	2,877
Noninterest expense to average assets	2.2954%	2,811
Loan and lease loss provision to assets	0.0700%	1,402
Net operating income to assets	1.1497%	1,554
Return on assets (ROA)	1.1497%	1,564
Pretax return on assets	1.2187%	1,851
Return on Equity (ROE)	13.2800%	1,281
Retained earnings to average equity (ytd only)	13.2751%	574
Net charge-offs to loans	-0.0066%	3,805
Credit loss provision to net charge-offs	0.0000%	1,619
Earnings coverage of net charge-offs (x)	0.0000%	2,130
Efficiency ratio	63.9646%	2,825
Assets per employee ($millions)	6.9108%	2,142
Cash dividends to net income (ytd only)*	0.0000%	2,272
Condition Ratios (%)
Loss allowance to loans	1.1000%	2,820
Loan loss allowance to noncurrent loans	121.3076%	2,965
Noncurrent assets plus other real estate owned to assets	0.6230%	1,033
Noncurrent loans to loans	0.9068%	962
Net loans and leases to total assets	67.6700%	2,048
Net loans and leases to deposits	75.6982%	2,450
Net loans and leases to core deposits	82.5020%	2,534
Total domestic deposits to total assets	89.4000%	991
Equity capital to assets	8.7137%	2,873
Core capital (leverage) ratio	9.7086%	3,034
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.6631%	1,650
Memoranda:
Average total assets	$805,770,500	1,205
Average earning assets	$745,177,500	1,212
Average equity	$69,785,000	1,309
Average total loans	$549,202,500	1,193
2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3580%	1,377
Cost of funding earning assets	2.0452%	860
Net interest margin	3.3128%	2,602
Noninterest income to average assets	0.3200%	2,981
Noninterest expense to average assets	2.3378%	2,749
Loan and lease loss provision to assets	0.0300%	2,526
Net operating income to assets	0.9475%	2,378
Return on assets (ROA)	0.9485%	2,365
Pretax return on assets	1.0117%	2,648
Return on Equity (ROE)	11.7800%	2,012
Retained earnings to average equity (ytd only)	6.0224%	2,229
Net charge-offs to loans	0.0151%	2,099
Credit loss provision to net charge-offs	304.8780%	948
Earnings coverage of net charge-offs (x)	101.2561%	898
Efficiency ratio	69.1682%	1,993
Assets per employee ($millions)	6.6915%	2,274
Cash dividends to net income (ytd only)*	48.8818%	1,681
Condition Ratios (%)
Loss allowance to loans	1.0873%	2,903
Loan loss allowance to noncurrent loans	89.6265%	3,310
Noncurrent assets plus other real estate owned to assets	0.8261%	614
Noncurrent loans to loans	1.2131%	588
Net loans and leases to total assets	67.1500%	2,132
Net loans and leases to deposits	75.1631%	2,532
Net loans and leases to core deposits	81.1080%	2,647
Total domestic deposits to total assets	89.3400%	970
Equity capital to assets	8.6072%	2,968
Core capital (leverage) ratio	9.7064%	3,058
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.2707%	1,773
Memoranda:
Average total assets	$796,771,400	1,193
Average earning assets	$735,868,800	1,188
Average equity	$64,144,000	1,330
Average total loans	$543,052,000	1,160
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2645%	1,333
Cost of funding earning assets	1.9562%	770
Net interest margin	3.3083%	2,664
Noninterest income to average assets	0.3300%	2,912
Noninterest expense to average assets	2.3019%	2,790
Loan and lease loss provision to assets	0.0400%	2,145
Net operating income to assets	0.9864%	2,406
Return on assets (ROA)	0.9877%	2,387
Pretax return on assets	1.0462%	2,721
Return on Equity (ROE)	12.4900%	2,006
Retained earnings to average equity (ytd only)	7.1475%	2,236
Net charge-offs to loans	-0.0135%	4,021
Credit loss provision to net charge-offs	0.0000%	2,098
Earnings coverage of net charge-offs (x)	0.0000%	2,572
Efficiency ratio	67.9284%	2,025
Assets per employee ($millions)	6.1268%	2,637
Cash dividends to net income (ytd only)*	42.7601%	1,539
Condition Ratios (%)
Loss allowance to loans	1.1198%	2,762
Loan loss allowance to noncurrent loans	70.1608%	3,469
Noncurrent assets plus other real estate owned to assets	1.1146%	420
Noncurrent loans to loans	1.5960%	439
Net loans and leases to total assets	68.8200%	1,965
Net loans and leases to deposits	76.2832%	2,388
Net loans and leases to core deposits	81.6125%	2,495
Total domestic deposits to total assets	90.2100%	885
Equity capital to assets	7.8083%	3,178
Core capital (leverage) ratio	9.6547%	3,147
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.4593%	1,726
Memoranda:
Average total assets	$795,220,000	1,189
Average earning assets	$734,383,250	1,186
Average equity	$62,901,500	1,341
Average total loans	$542,533,250	1,160
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1275%	1,323
Cost of funding earning assets	1.8204%	714
Net interest margin	3.3071%	2,734
Noninterest income to average assets	0.3000%	3,097
Noninterest expense to average assets	2.2956%	2,822
Loan and lease loss provision to assets	0.0500%	1,895
Net operating income to assets	0.9510%	2,585
Return on assets (ROA)	0.9529%	2,563
Pretax return on assets	1.0166%	2,868
Return on Equity (ROE)	12.0000%	2,156
Retained earnings to average equity (ytd only)	6.5140%	2,446
Net charge-offs to loans	-0.0099%	3,907
Credit loss provision to net charge-offs	0.0000%	1,862
Earnings coverage of net charge-offs (x)	0.0000%	2,403
Efficiency ratio	68.3190%	1,946
Assets per employee ($millions)	6.3421%	2,437
Cash dividends to net income (ytd only)*	45.7023%	1,472
Condition Ratios (%)
Loss allowance to loans	1.0985%	2,963
Loan loss allowance to noncurrent loans	127.9820%	3,067
Noncurrent assets plus other real estate owned to assets	0.6081%	884
Noncurrent loans to loans	0.8583%	886
Net loans and leases to total assets	69.1000%	1,838
Net loans and leases to deposits	77.9386%	2,137
Net loans and leases to core deposits	82.7559%	2,279
Total domestic deposits to total assets	88.6600%	1,363
Equity capital to assets	8.1623%	3,106
Core capital (leverage) ratio	9.4098%	3,353
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.2600%	1,798
Memoranda:
Average total assets	$800,927,333	1,181
Average earning assets	$740,593,000	1,179
Average equity	$63,616,667	1,330
Average total loans	$542,868,667	1,145
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0278%	1,176
Cost of funding earning assets	1.6806%	604
Net interest margin	3.3473%	2,760
Noninterest income to average assets	0.2900%	3,144
Noninterest expense to average assets	2.1258%	3,318
Loan and lease loss provision to assets	0.0500%	1,764
Net operating income to assets	1.1965%	1,938
Return on assets (ROA)	1.2005%	1,889
Pretax return on assets	1.2044%	2,414
Return on Equity (ROE)	15.3200%	1,490
Retained earnings to average equity (ytd only)	15.3171%	755
Net charge-offs to loans	-0.0185%	4,075
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	62.9765%	2,570
Assets per employee ($millions)	6.2850%	2,517
Cash dividends to net income (ytd only)*	0.0000%	2,306
Condition Ratios (%)
Loss allowance to loans	1.0903%	3,105
Loan loss allowance to noncurrent loans	115.8496%	3,230
Noncurrent assets plus other real estate owned to assets	0.6446%	779
Noncurrent loans to loans	0.9411%	798
Net loans and leases to total assets	66.8800%	1,959
Net loans and leases to deposits	74.8695%	2,226
Net loans and leases to core deposits	78.9327%	2,322
Total domestic deposits to total assets	89.3200%	1,413
Equity capital to assets	8.2509%	3,077
Core capital (leverage) ratio	9.2523%	3,469
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.4344%	1,815
Memoranda:
Average total assets	$811,351,500	1,185
Average earning assets	$748,789,500	1,183
Average equity	$63,589,000	1,337
Average total loans	$541,786,000	1,157
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1379%	1,378
Cost of funding earning assets	0.7853%	410
Net interest margin	3.3525%	2,417
Noninterest income to average assets	0.4300%	2,497
Noninterest expense to average assets	2.1461%	3,170
Loan and lease loss provision to assets	0.4700%	131
Net operating income to assets	0.8207%	3,254
Return on assets (ROA)	0.8212%	3,182
Pretax return on assets	0.9047%	3,343
Return on Equity (ROE)	9.8200%	2,863
Retained earnings to average equity (ytd only)	4.9685%	3,068
Net charge-offs to loans	0.5263%	135
Credit loss provision to net charge-offs	137.1895%	1,358
Earnings coverage of net charge-offs (x)	3.9941%	2,436
Efficiency ratio	60.9144%	2,922
Assets per employee ($millions)	6.5437%	2,305
Cash dividends to net income (ytd only)*	49.3929%	1,425
Condition Ratios (%)
Loss allowance to loans	1.0588%	3,083
Loan loss allowance to noncurrent loans	134.2737%	3,090
Noncurrent assets plus other real estate owned to assets	0.5294%	951
Noncurrent loans to loans	0.7886%	944
Net loans and leases to total assets	65.2700%	2,113
Net loans and leases to deposits	73.9414%	2,264
Net loans and leases to core deposits	77.8295%	2,293
Total domestic deposits to total assets	88.2700%	1,983
Equity capital to assets	7.4371%	3,411
Core capital (leverage) ratio	9.2443%	3,405
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.9148%	2,009
Memoranda:
Average total assets	$782,238,800	1,204
Average earning assets	$721,990,400	1,199
Average equity	$65,432,600	1,317
Average total loans	$512,442,400	1,160
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0295%	1,204
Cost of funding earning assets	0.5911%	457
Net interest margin	3.4384%	1,847
Noninterest income to average assets	0.4800%	2,264
Noninterest expense to average assets	2.1667%	3,016
Loan and lease loss provision to assets	0.5800%	86
Net operating income to assets	0.8342%	3,117
Return on assets (ROA)	0.8342%	3,084
Pretax return on assets	0.9019%	3,307
Return on Equity (ROE)	9.6900%	2,818
Retained earnings to average equity (ytd only)	5.1257%	3,055
Net charge-offs to loans	0.6302%	101
Credit loss provision to net charge-offs	140.4612%	1,151
Earnings coverage of net charge-offs (x)	3.5933%	2,204
Efficiency ratio	59.4031%	3,197
Assets per employee ($millions)	6.5704%	2,262
Cash dividends to net income (ytd only)*	47.0795%	1,316
Condition Ratios (%)
Loss allowance to loans	1.0840%	3,088
Loan loss allowance to noncurrent loans	138.7582%	3,093
Noncurrent assets plus other real estate owned to assets	0.5438%	989
Noncurrent loans to loans	0.7812%	1,033
Net loans and leases to total assets	66.7700%	1,807
Net loans and leases to deposits	73.9344%	2,055
Net loans and leases to core deposits	76.4032%	2,170
Total domestic deposits to total assets	90.3100%	1,521
Equity capital to assets	7.2421%	3,375
Core capital (leverage) ratio	9.1180%	3,484
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.8215%	2,124
Memoranda:
Average total assets	$771,670,500	1,220
Average earning assets	$711,871,000	1,225
Average equity	$66,460,750	1,315
Average total loans	$504,579,000	1,170
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8614%	1,187
Cost of funding earning assets	0.4029%	897
Net interest margin	3.4586%	1,420
Noninterest income to average assets	0.5100%	2,145
Noninterest expense to average assets	2.2188%	2,789
Loan and lease loss provision to assets	0.3254%	197
Net operating income to assets	1.0949%	1,793
Return on assets (ROA)	1.0949%	1,776
Pretax return on assets	1.1595%	2,209
Return on Equity (ROE)	12.0620%	1,651
Retained earnings to average equity (ytd only)	5.9995%	2,336
Net charge-offs to loans	-0.0081%	3,510
Credit loss provision to net charge-offs	-6,250.0000%	3,812
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	59.9072%	3,309
Assets per employee ($millions)	6.7494%	2,119
Cash dividends to net income (ytd only)*	50.2615%	1,333
Condition Ratios (%)
Loss allowance to loans	1.1801%	2,794
Loan loss allowance to noncurrent loans	96.0778%	3,411
Noncurrent assets plus other real estate owned to assets	0.8250%	633
Noncurrent loans to loans	1.2283%	648
Net loans and leases to total assets	65.5815%	1,746
Net loans and leases to deposits	73.5289%	1,915
Net loans and leases to core deposits	76.7102%	1,954
Total domestic deposits to total assets	89.1916%	2,093
Equity capital to assets	8.2583%	2,936
Core capital (leverage) ratio	9.3305%	3,092
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.2686%	1,950
Memoranda:
Average total assets	$768,269,333	1,226
Average earning assets	$709,426,000	1,234
Average equity	$69,739,667	1,295
Average total loans	$496,850,667	1,175
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7125%	1,246
Cost of funding earning assets	0.3483%	1,223
Net interest margin	3.3642%	1,394
Noninterest income to average assets	0.2897%	3,389
Noninterest expense to average assets	2.1514%	2,979
Loan and lease loss provision to assets	0.3126%	191
Net operating income to assets	0.8816%	2,354
Return on assets (ROA)	0.8816%	2,353
Pretax return on assets	0.9358%	2,648
Return on Equity (ROE)	9.2918%	2,216
Retained earnings to average equity (ytd only)	9.2918%	1,190
Net charge-offs to loans	-0.0033%	3,215
Credit loss provision to net charge-offs	-15,000.0000%	3,589
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	63.2797%	3,103
Assets per employee ($millions)	6.6814%	2,237
Cash dividends to net income (ytd only)*	0.0000%	2,254
Condition Ratios (%)
Loss allowance to loans	1.0890%	3,372
Loan loss allowance to noncurrent loans	76.7172%	3,593
Noncurrent assets plus other real estate owned to assets	0.9363%	562
Noncurrent loans to loans	1.4195%	600
Net loans and leases to total assets	63.9280%	1,628
Net loans and leases to deposits	70.6191%	1,902
Net loans and leases to core deposits	74.0698%	1,934
Total domestic deposits to total assets	90.5251%	1,279
Equity capital to assets	8.9667%	2,739
Core capital (leverage) ratio	9.2485%	3,077
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.9031%	1,835
Memoranda:
Average total assets	$767,686,000	1,231
Average earning assets	$709,718,500	1,240
Average equity	$72,838,500	1,289
Average total loans	$489,959,000	1,176
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2689%	893
Cost of funding earning assets	0.3988%	1,553
Net interest margin	3.8701%	885
Noninterest income to average assets	0.3544%	3,318
Noninterest expense to average assets	2.4252%	2,412
Loan and lease loss provision to assets	0.0749%	1,614
Net operating income to assets	1.3238%	1,537
Return on assets (ROA)	1.3238%	1,579
Pretax return on assets	1.4092%	2,021
Return on Equity (ROE)	12.7394%	1,556
Retained earnings to average equity (ytd only)	5.5897%	2,520
Net charge-offs to loans	0.2281%	407
Credit loss provision to net charge-offs	52.0341%	2,125
Earnings coverage of net charge-offs (x)	10.3075%	2,213
Efficiency ratio	62.0370%	2,862
Assets per employee ($millions)	6.7277%	2,132
Cash dividends to net income (ytd only)*	56.1227%	1,231
Condition Ratios (%)
Loss allowance to loans	0.9755%	3,846
Loan loss allowance to noncurrent loans	69.9765%	3,692
Noncurrent assets plus other real estate owned to assets	0.8982%	654
Noncurrent loans to loans	1.3941%	670
Net loans and leases to total assets	62.4116%	1,891
Net loans and leases to deposits	69.8081%	2,151
Net loans and leases to core deposits	73.2834%	2,134
Total domestic deposits to total assets	89.4045%	1,295
Equity capital to assets	10.0013%	2,654
Core capital (leverage) ratio	9.2263%	3,138
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.7884%	1,930
Memoranda:
Average total assets	$734,119,200	1,242
Average earning assets	$674,325,400	1,255
Average equity	$76,283,000	1,257
Average total loans	$463,411,600	1,233
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4196%	782
Cost of funding earning assets	0.4118%	1,611
Net interest margin	4.0078%	783
Noninterest income to average assets	0.2936%	3,689
Noninterest expense to average assets	2.4603%	2,238
Loan and lease loss provision to assets	0.0645%	1,709
Net operating income to assets	1.4417%	1,417
Return on assets (ROA)	1.4417%	1,479
Pretax return on assets	1.4437%	2,168
Return on Equity (ROE)	13.7366%	1,474
Retained earnings to average equity (ytd only)	5.2150%	3,137
Net charge-offs to loans	0.3014%	259
Credit loss provision to net charge-offs	33.8491%	1,940
Earnings coverage of net charge-offs (x)	7.9226%	2,121
Efficiency ratio	61.9967%	2,701
Assets per employee ($millions)	6.2835%	2,437
Cash dividends to net income (ytd only)*	62.0355%	793
Condition Ratios (%)
Loss allowance to loans	0.9913%	3,877
Loan loss allowance to noncurrent loans	56.9368%	3,877
Noncurrent assets plus other real estate owned to assets	1.2922%	443
Noncurrent loans to loans	1.7410%	570
Net loans and leases to total assets	62.7611%	1,917
Net loans and leases to deposits	70.7043%	2,168
Net loans and leases to core deposits	74.3451%	2,203
Total domestic deposits to total assets	88.7656%	1,421
Equity capital to assets	10.5278%	2,436
Core capital (leverage) ratio	9.1936%	3,339
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.5119%	1,791
Memoranda:
Average total assets	$724,227,000	1,274
Average earning assets	$664,056,250	1,287
Average equity	$76,009,000	1,279
Average total loans	$457,357,500	1,266
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3436%	933
Cost of funding earning assets	0.4239%	1,711
Net interest margin	3.9198%	940
Noninterest income to average assets	0.2687%	3,793
Noninterest expense to average assets	2.4512%	2,304
Loan and lease loss provision to assets	0.0000%	2,862
Net operating income to assets	1.3979%	1,575
Return on assets (ROA)	1.3979%	1,643
Pretax return on assets	1.4006%	2,341
Return on Equity (ROE)	13.3330%	1,616
Retained earnings to average equity (ytd only)	6.6546%	2,560
Net charge-offs to loans	0.4515%	188
Credit loss provision to net charge-offs	0.0000%	1,801
Earnings coverage of net charge-offs (x)	4.9184%	2,014
Efficiency ratio	63.6370%	2,476
Assets per employee ($millions)	6.3407%	2,295
Cash dividends to net income (ytd only)*	50.0891%	1,228
Condition Ratios (%)
Loss allowance to loans	0.9204%	4,099
Loan loss allowance to noncurrent loans	56.1580%	3,882
Noncurrent assets plus other real estate owned to assets	1.2540%	528
Noncurrent loans to loans	1.6389%	659
Net loans and leases to total assets	63.6434%	1,987
Net loans and leases to deposits	71.7843%	2,232
Net loans and leases to core deposits	75.5026%	2,286
Total domestic deposits to total assets	88.6592%	1,471
Equity capital to assets	10.6912%	2,233
Core capital (leverage) ratio	9.1049%	3,344
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.2595%	1,541
Memoranda:
Average total assets	$722,673,000	1,261
Average earning assets	$660,603,000	1,290
Average equity	$75,766,667	1,275
Average total loans	$455,797,000	1,275
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9113%	1,804
Cost of funding earning assets	0.4430%	1,774
Net interest margin	3.4684%	1,912
Noninterest income to average assets	0.3147%	3,524
Noninterest expense to average assets	2.4813%	2,232
Loan and lease loss provision to assets	0.0000%	2,741
Net operating income to assets	0.9954%	2,817
Return on assets (ROA)	0.9954%	2,914
Pretax return on assets	1.0009%	3,366
Return on Equity (ROE)	9.5874%	2,824
Retained earnings to average equity (ytd only)	9.5874%	1,769
Net charge-offs to loans	-0.0018%	3,112
Credit loss provision to net charge-offs	0.0000%	1,471
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	71.2567%	1,574
Assets per employee ($millions)	6.3887%	2,262
Cash dividends to net income (ytd only)*	0.0000%	2,433
Condition Ratios (%)
Loss allowance to loans	1.1493%	3,194
Loan loss allowance to noncurrent loans	66.8105%	3,759
Noncurrent assets plus other real estate owned to assets	1.4719%	438
Noncurrent loans to loans	1.7202%	701
Net loans and leases to total assets	62.1905%	2,270
Net loans and leases to deposits	70.0860%	2,496
Net loans and leases to core deposits	74.2893%	2,488
Total domestic deposits to total assets	88.7346%	1,481
Equity capital to assets	10.3605%	2,383
Core capital (leverage) ratio	9.1461%	3,452
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	18.1161%	1,053
Memoranda:
Average total assets	$725,762,500	1,249
Average earning assets	$662,791,500	1,272
Average equity	$75,349,000	1,270
Average total loans	$453,577,000	1,281
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4206%	1,520
Cost of funding earning assets	0.6454%	2,026
Net interest margin	3.7753%	1,570
Noninterest income to average assets	0.3407%	3,423
Noninterest expense to average assets	2.5296%	2,754
Loan and lease loss provision to assets	0.4664%	580
Net operating income to assets	0.7882%	3,142
Return on assets (ROA)	0.8309%	3,104
Pretax return on assets	0.8334%	3,546
Return on Equity (ROE)	7.6075%	2,959
Retained earnings to average equity (ytd only)	2.8196%	3,458
Net charge-offs to loans	0.2678%	643
Credit loss provision to net charge-offs	267.4024%	1,855
Earnings coverage of net charge-offs (x)	7.2080%	2,715
Efficiency ratio	66.8022%	2,388
Assets per employee ($millions)	6.2346%	2,137
Cash dividends to net income (ytd only)*	62.9366%	1,229
Condition Ratios (%)
Loss allowance to loans	1.1728%	3,096
Loan loss allowance to noncurrent loans	67.3274%	3,778
Noncurrent assets plus other real estate owned to assets	1.5087%	482
Noncurrent loans to loans	1.7419%	722
Net loans and leases to total assets	61.3487%	2,682
Net loans and leases to deposits	69.2467%	2,957
Net loans and leases to core deposits	73.1875%	2,978
Total domestic deposits to total assets	88.5944%	1,168
Equity capital to assets	10.4038%	2,751
Core capital (leverage) ratio	9.1783%	3,462
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.3199%	1,189
Memoranda:
Average total assets	$675,436,400	1,210
Average earning assets	$616,540,200	1,236
Average equity	$73,769,400	1,240
Average total loans	$439,869,000	1,253
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5117%	1,539
Cost of funding earning assets	0.7031%	2,008
Net interest margin	3.8085%	1,597
Noninterest income to average assets	0.3834%	3,165
Noninterest expense to average assets	2.6270%	2,458
Loan and lease loss provision to assets	0.6330%	382
Net operating income to assets	0.5976%	3,775
Return on assets (ROA)	0.5922%	3,889
Pretax return on assets	0.5956%	4,106
Return on Equity (ROE)	5.3531%	3,772
Retained earnings to average equity (ytd only)	1.9618%	3,947
Net charge-offs to loans	0.4558%	333
Credit loss provision to net charge-offs	210.5615%	2,068
Earnings coverage of net charge-offs (x)	4.1049%	2,852
Efficiency ratio	68.0389%	2,188
Assets per employee ($millions)	5.7821%	2,468
Cash dividends to net income (ytd only)*	63.3526%	1,008
Condition Ratios (%)
Loss allowance to loans	1.0848%	3,285
Loan loss allowance to noncurrent loans	49.8639%	4,027
Noncurrent assets plus other real estate owned to assets	1.7339%	447
Noncurrent loans to loans	2.1754%	544
Net loans and leases to total assets	66.6674%	2,430
Net loans and leases to deposits	75.7674%	2,773
Net loans and leases to core deposits	80.3099%	2,813
Total domestic deposits to total assets	87.9896%	1,219
Equity capital to assets	11.0283%	2,376
Core capital (leverage) ratio	9.2802%	3,472
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.6242%	1,109
Memoranda:
Average total assets	$663,493,500	1,214
Average earning assets	$605,850,000	1,234
Average equity	$73,401,500	1,229
Average total loans	$437,600,250	1,252
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6099%	1,629
Cost of funding earning assets	0.8071%	1,793
Net interest margin	3.8028%	1,830
Noninterest income to average assets	0.3838%	3,181
Noninterest expense to average assets	2.5863%	2,711
Loan and lease loss provision to assets	0.6979%	399
Net operating income to assets	0.5640%	3,850
Return on assets (ROA)	0.5559%	3,950
Pretax return on assets	0.5610%	4,133
Return on Equity (ROE)	5.0192%	3,825
Retained earnings to average equity (ytd only)	2.0493%	3,733
Net charge-offs to loans	0.5405%	292
Credit loss provision to net charge-offs	197.2556%	1,938
Earnings coverage of net charge-offs (x)	3.5815%	2,668
Efficiency ratio	67.1181%	2,363
Assets per employee ($millions)	5.5229%	2,619
Cash dividends to net income (ytd only)*	59.1703%	1,268
Condition Ratios (%)
Loss allowance to loans	0.9675%	3,723
Loan loss allowance to noncurrent loans	38.4435%	4,256
Noncurrent assets plus other real estate owned to assets	1.9249%	395
Noncurrent loans to loans	2.5168%	462
Net loans and leases to total assets	66.6882%	2,539
Net loans and leases to deposits	75.7715%	2,902
Net loans and leases to core deposits	79.9919%	2,946
Total domestic deposits to total assets	88.0122%	1,176
Equity capital to assets	10.9469%	2,393
Core capital (leverage) ratio	9.2070%	3,680
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.0978%	1,230
Memoranda:
Average total assets	$659,156,000	1,200
Average earning assets	$601,403,333	1,222
Average equity	$72,999,667	1,225
Average total loans	$431,482,000	1,251
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8575%	1,295
Cost of funding earning assets	1.0371%	1,272
Net interest margin	3.8204%	1,897
Noninterest income to average assets	0.3186%	3,610
Noninterest expense to average assets	2.7978%	2,432
Loan and lease loss provision to assets	0.1849%	1,621
Net operating income to assets	0.7851%	2,956
Return on assets (ROA)	0.7851%	3,043
Pretax return on assets	0.7956%	3,427
Return on Equity (ROE)	7.0467%	2,926
Retained earnings to average equity (ytd only)	1.0509%	3,729
Net charge-offs to loans	-0.0057%	3,901
Credit loss provision to net charge-offs	-5,000.0000%	3,867
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	74.0499%	1,807
Assets per employee ($millions)	5.2889%	2,336
Cash dividends to net income (ytd only)*	85.0863%	935
Condition Ratios (%)
Loss allowance to loans	0.8955%	4,126
Loan loss allowance to noncurrent loans	41.4182%	4,229
Noncurrent assets plus other real estate owned to assets	1.4376%	767
Noncurrent loans to loans	2.1622%	621
Net loans and leases to total assets	62.2188%	3,278
Net loans and leases to deposits	70.9112%	3,523
Net loans and leases to core deposits	75.4403%	3,533
Total domestic deposits to total assets	87.7419%	1,213
Equity capital to assets	11.4218%	2,506
Core capital (leverage) ratio	9.5357%	3,944
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.6368%	1,705
Memoranda:
Average total assets	$649,075,500	1,190
Average earning assets	$587,796,500	1,210
Average equity	$72,317,500	1,231
Average total loans	$418,498,000	1,252
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8132%	2,004
Cost of funding earning assets	1.1383%	1,199
Net interest margin	3.6750%	2,887
Noninterest income to average assets	0.3088%	3,844
Noninterest expense to average assets	2.4878%	3,485
Loan and lease loss provision to assets	0.3170%	506
Net operating income to assets	0.9149%	3,151
Return on assets (ROA)	0.9130%	3,233
Pretax return on assets	0.9136%	3,697
Return on Equity (ROE)	8.8320%	2,832
Retained earnings to average equity (ytd only)	3.5492%	3,224
Net charge-offs to loans	0.6762%	251
Credit loss provision to net charge-offs	66.4721%	2,965
Earnings coverage of net charge-offs (x)	2.5846%	3,400
Efficiency ratio	66.8717%	2,634
Assets per employee ($millions)	5.6741%	1,900
Cash dividends to net income (ytd only)*	59.8137%	1,573
Condition Ratios (%)
Loss allowance to loans	0.7564%	4,430
Loan loss allowance to noncurrent loans	32.2177%	4,397
Noncurrent assets plus other real estate owned to assets	1.6478%	574
Noncurrent loans to loans	2.3478%	498
Net loans and leases to total assets	65.6239%	2,999
Net loans and leases to deposits	74.2676%	3,328
Net loans and leases to core deposits	78.7682%	3,391
Total domestic deposits to total assets	88.3615%	959
Equity capital to assets	10.8692%	3,118
Core capital (leverage) ratio	9.3752%	4,193
Tier 1 risk-based capital ratio	13.7255%	3,401
Total risk-based capital ratio	14.4748%	3,558
Memoranda:
Average total assets	$646,749,800	1,155
Average earning assets	$600,388,200	1,151
Average equity	$66,859,400	1,267
Average total loans	$456,068,600	1,149
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7972%	2,126
Cost of funding earning assets	1.1400%	1,210
Net interest margin	3.6572%	3,069
Noninterest income to average assets	0.2816%	4,060
Noninterest expense to average assets	2.4260%	3,623
Loan and lease loss provision to assets	0.2174%	791
Net operating income to assets	1.0459%	2,798
Return on assets (ROA)	1.0432%	2,896
Pretax return on assets	1.0440%	3,463
Return on Equity (ROE)	10.2257%	2,343
Retained earnings to average equity (ytd only)	4.2583%	3,267
Net charge-offs to loans	0.3977%	420
Credit loss provision to net charge-offs	76.3081%	2,549
Earnings coverage of net charge-offs (x)	4.4368%	3,010
Efficiency ratio	65.7427%	2,761
Assets per employee ($millions)	5.6133%	1,921
Cash dividends to net income (ytd only)*	58.3564%	1,352
Condition Ratios (%)
Loss allowance to loans	0.8839%	4,116
Loan loss allowance to noncurrent loans	66.7668%	3,879
Noncurrent assets plus other real estate owned to assets	1.0006%	1,343
Noncurrent loans to loans	1.3239%	1,162
Net loans and leases to total assets	68.8838%	2,642
Net loans and leases to deposits	78.8568%	3,022
Net loans and leases to core deposits	83.5464%	3,136
Total domestic deposits to total assets	87.3530%	1,342
Equity capital to assets	11.0284%	3,077
Core capital (leverage) ratio	9.3880%	4,291
Tier 1 risk-based capital ratio	13.2566%	3,711
Total risk-based capital ratio	14.1538%	3,797
Memoranda:
Average total assets	$643,889,000	1,158
Average earning assets	$600,115,000	1,143
Average equity	$65,689,250	1,286
Average total loans	$461,279,750	1,146
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9166%	274
Cost of funding earning assets	1.4611%	433
Net interest margin	4.4555%	843
Noninterest income to average assets	0.2684%	4,142
Noninterest expense to average assets	2.6665%	3,011
Loan and lease loss provision to assets	0.4467%	272
Net operating income to assets	1.3022%	1,761
Return on assets (ROA)	1.3022%	1,825
Pretax return on assets	1.3039%	2,549
Return on Equity (ROE)	12.8314%	1,295
Retained earnings to average equity (ytd only)	4.6949%	2,922
Net charge-offs to loans	0.3849%	432
Credit loss provision to net charge-offs	140.9396%	1,559
Earnings coverage of net charge-offs (x)	5.5235%	2,647
Efficiency ratio	60.3679%	3,671
Assets per employee ($millions)	5.3072%	2,145
Cash dividends to net income (ytd only)*	63.4107%	1,307
Condition Ratios (%)
Loss allowance to loans	1.2089%	2,479
Loan loss allowance to noncurrent loans	106.8035%	3,227
Noncurrent assets plus other real estate owned to assets	1.0245%	1,359
Noncurrent loans to loans	1.1319%	1,438
Net loans and leases to total assets	80.1203%	862
Net loans and leases to deposits	91.3524%	1,579
Net loans and leases to core deposits	97.9889%	1,889
Total domestic deposits to total assets	87.7047%	1,240
Equity capital to assets	10.3738%	3,630
Core capital (leverage) ratio	9.3552%	4,305
Tier 1 risk-based capital ratio	12.1131%	4,353
Total risk-based capital ratio	13.3631%	4,240
Memoranda:
Average total assets	$470,128,330	1,512
Average earning assets	$437,749,670	1,501
Average equity	$47,711,000	1,659
Average total loans	$387,154,670	1,313
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5805%	443
Cost of funding earning assets	1.4002%	460
Net interest margin	4.1803%	1,346
Noninterest income to average assets	0.3505%	3,514
Noninterest expense to average assets	2.7666%	2,688
Loan and lease loss provision to assets	0.5970%	177
Net operating income to assets	0.8690%	3,357
Return on assets (ROA)	0.8690%	3,407
Pretax return on assets	0.8725%	3,851
Return on Equity (ROE)	8.6601%	2,967
Retained earnings to average equity (ytd only)	7.1303%	1,990
Net charge-offs to loans	0.7492%	197
Credit loss provision to net charge-offs	96.0219%	1,658
Earnings coverage of net charge-offs (x)	2.3635%	2,502
Efficiency ratio	65.3111%	3,039
Assets per employee ($millions)	5.8301%	1,682
Cash dividends to net income (ytd only)*	17.6644%	2,519
Condition Ratios (%)
Loss allowance to loans	1.1081%	3,080
Loan loss allowance to noncurrent loans	103.9420%	3,328
Noncurrent assets plus other real estate owned to assets	0.9986%	1,403
Noncurrent loans to loans	1.0661%	1,564
Net loans and leases to total assets	79.2657%	947
Net loans and leases to deposits	90.9976%	1,510
Net loans and leases to core deposits	100.4023%	1,585
Total domestic deposits to total assets	87.1074%	1,751
Equity capital to assets	10.0267%	3,801
Core capital (leverage) ratio	9.6084%	4,013
Tier 1 risk-based capital ratio	11.8810%	4,525
Total risk-based capital ratio	13.0615%	4,463
Memoranda:
Average total assets	$469,021,500	1,527
Average earning assets	$435,945,500	1,518
Average equity	$47,066,500	1,667
Average total loans	$389,195,500	1,316
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7452%	259
Cost of funding earning assets	1.1447%	427
Net interest margin	4.6006%	604
Noninterest income to average assets	0.4095%	3,387
Noninterest expense to average assets	2.6526%	3,173
Loan and lease loss provision to assets	0.1838%	1,056
Net operating income to assets	1.7984%	551
Return on assets (ROA)	1.7984%	545
Pretax return on assets	1.7993%	922
Return on Equity (ROE)	17.5532%	434
Retained earnings to average equity (ytd only)	5.6589%	2,381
Net charge-offs to loans	0.0331%	2,743
Credit loss provision to net charge-offs	640.0000%	539
Earnings coverage of net charge-offs (x)	69.0400%	943
Efficiency ratio	57.2200%	4,261
Assets per employee ($millions)	5.2807%	2,174
Cash dividends to net income (ytd only)*	67.7613%	1,178
Condition Ratios (%)
Loss allowance to loans	1.1077%	3,046
Loan loss allowance to noncurrent loans	77.6661%	3,791
Noncurrent assets plus other real estate owned to assets	1.3408%	946
Noncurrent loans to loans	1.4263%	1,092
Net loans and leases to total assets	85.0393%	310
Net loans and leases to deposits	101.0101%	671
Net loans and leases to core deposits	112.0082%	879
Total domestic deposits to total assets	84.1889%	2,940
Equity capital to assets	10.0440%	3,640
Core capital (leverage) ratio	9.1823%	4,475
Tier 1 risk-based capital ratio	11.1204%	4,911
Total risk-based capital ratio	12.3106%	4,839
Memoranda:
Average total assets	$435,165,000	1,576
Average earning assets	$399,756,400	1,590
Average equity	$44,584,400	1,673
Average total loans	$377,735,600	1,316
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7246%	249
Cost of funding earning assets	1.0473%	486
Net interest margin	4.6772%	494
Noninterest income to average assets	0.4131%	3,406
Noninterest expense to average assets	2.6519%	3,118
Loan and lease loss provision to assets	0.3409%	404
Net operating income to assets	1.7117%	723
Return on assets (ROA)	1.7117%	728
Pretax return on assets	1.7130%	1,245
Return on Equity (ROE)	16.6719%	589
Retained earnings to average equity (ytd only)	4.2676%	3,635
Net charge-offs to loans	-0.0780%	5,089
Credit loss provision to net charge-offs	-502.2831%	4,500
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	56.3545%	4,339
Assets per employee ($millions)	5.3835%	2,032
Cash dividends to net income (ytd only)*	74.4026%	714
Condition Ratios (%)
Loss allowance to loans	1.2797%	2,199
Loan loss allowance to noncurrent loans	101.2220%	3,435
Noncurrent assets plus other real estate owned to assets	1.1897%	1,181
Noncurrent loans to loans	1.2642%	1,334
Net loans and leases to total assets	85.8058%	279
Net loans and leases to deposits	101.6755%	668
Net loans and leases to core deposits	110.9633%	977
Total domestic deposits to total assets	84.3919%	2,817
Equity capital to assets	9.9436%	3,707
Core capital (leverage) ratio	9.2096%	4,501
Tier 1 risk-based capital ratio	10.8304%	5,116
Total risk-based capital ratio	12.0817%	5,020
Memoranda:
Average total assets	$430,270,250	1,606
Average earning assets	$394,896,500	1,615
Average equity	$44,177,000	1,692
Average total loans	$374,537,750	1,327
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5995%	276
Cost of funding earning assets	1.0165%	436
Net interest margin	4.5830%	571
Noninterest income to average assets	0.3715%	3,673
Noninterest expense to average assets	2.6312%	3,214
Loan and lease loss provision to assets	0.1883%	936
Net operating income to assets	1.7686%	625
Return on assets (ROA)	1.7686%	629
Pretax return on assets	1.7705%	1,034
Return on Equity (ROE)	17.0370%	518
Retained earnings to average equity (ytd only)	4.8852%	3,130
Net charge-offs to loans	-0.0384%	4,825
Credit loss provision to net charge-offs	-563.3803%	4,385
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	57.3246%	4,321
Assets per employee ($millions)	5.4412%	1,954
Cash dividends to net income (ytd only)*	71.3259%	951
Condition Ratios (%)
Loss allowance to loans	1.0808%	3,381
Loan loss allowance to noncurrent loans	86.4848%	3,727
Noncurrent assets plus other real estate owned to assets	1.1946%	1,201
Noncurrent loans to loans	1.2496%	1,375
Net loans and leases to total assets	86.6513%	215
Net loans and leases to deposits	100.6422%	764
Net loans and leases to core deposits	109.6882%	1,020
Total domestic deposits to total assets	86.0983%	2,234
Equity capital to assets	10.1559%	3,481
Core capital (leverage) ratio	9.1061%	4,580
Tier 1 risk-based capital ratio	10.9122%	5,103
Total risk-based capital ratio	12.0660%	5,037
Memoranda:
Average total assets	$424,750,000	1,624
Average earning assets	$390,964,000	1,634
Average equity	$44,092,330	1,700
Average total loans	$369,924,670	1,339
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4298%	314
Cost of funding earning assets	0.9234%	532
Net interest margin	4.5064%	609
Noninterest income to average assets	0.3414%	3,866
Noninterest expense to average assets	2.5946%	3,346
Loan and lease loss provision to assets	0.1430%	1,315
Net operating income to assets	1.7507%	615
Return on assets (ROA)	1.7507%	623
Pretax return on assets	1.7546%	993
Return on Equity (ROE)	16.6778%	539
Retained earnings to average equity (ytd only)	16.6778%	208
Net charge-offs to loans	-0.0648%	5,077
Credit loss provision to net charge-offs	-254.2373%	3,853
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	57.7584%	4,376
Assets per employee ($millions)	5.6326%	1,818
Cash dividends to net income (ytd only)*	0.0000%	2,749
Condition Ratios (%)
Loss allowance to loans	1.0389%	3,736
Loan loss allowance to noncurrent loans	108.4598%	3,306
Noncurrent assets plus other real estate owned to assets	1.1010%	1,410
Noncurrent loans to loans	0.9579%	1,907
Net loans and leases to total assets	87.0140%	191
Net loans and leases to deposits	100.7916%	653
Net loans and leases to core deposits	124.7419%	450
Total domestic deposits to total assets	86.3306%	2,394
Equity capital to assets	10.6392%	2,936
Core capital (leverage) ratio	9.6605%	3,890
Tier 1 risk-based capital ratio	11.3332%	4,960
Total risk-based capital ratio	12.4339%	4,935
Memoranda:
Average total assets	$419,479,000	1,654
Average earning assets	$386,383,000	1,668
Average equity	$44,034,500	1,708
Average total loans	$364,233,500	1,357
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3120%	356
Cost of funding earning assets	0.8866%	402
Net interest margin	4.4254%	724
Noninterest income to average assets	0.3298%	4,115
Noninterest expense to average assets	2.6280%	3,358
Loan and lease loss provision to assets	0.2990%	575
Net operating income to assets	1.3930%	1,037
Return on assets (ROA)	1.3930%	1,056
Pretax return on assets	1.3939%	2,012
Return on Equity (ROE)	13.4560%	856
Retained earnings to average equity (ytd only)	3.6640%	3,052
Net charge-offs to loans	0.3136%	808
Credit loss provision to net charge-offs	113.8476%	2,298
Earnings coverage of net charge-offs (x)	6.4461%	3,176
Efficiency ratio	60.8202%	4,137
Assets per employee ($millions)	5.2723%	2,178
Cash dividends to net income (ytd only)*	72.7703%	1,126
Condition Ratios (%)
Loss allowance to loans	1.0226%	3,794
Loan loss allowance to noncurrent loans	98.3567%	3,562
Noncurrent assets plus other real estate owned to assets	1.1536%	1,290
Noncurrent loans to loans	1.0397%	1,714
Net loans and leases to total assets	84.8403%	361
Net loans and leases to deposits	98.4049%	868
Net loans and leases to core deposits	121.9577%	526
Total domestic deposits to total assets	86.2155%	2,347
Equity capital to assets	10.3536%	3,326
Core capital (leverage) ratio	9.3528%	4,226
Tier 1 risk-based capital ratio	11.1258%	5,075
Total risk-based capital ratio	12.1976%	5,056
Memoranda:
Average total assets	$409,702,400	1,667
Average earning assets	$369,499,800	1,708
Average equity	$42,412,200	1,754
Average total loans	$343,132,800	1,395
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2705%	367
Cost of funding earning assets	0.8837%	381
Net interest margin	4.3868%	745
Noninterest income to average assets	0.2706%	4,568
Noninterest expense to average assets	2.6463%	3,259
Loan and lease loss provision to assets	0.2696%	612
Net operating income to assets	1.2983%	1,340
Return on assets (ROA)	1.2983%	1,376
Pretax return on assets	1.2996%	2,497
Return on Equity (ROE)	12.5424%	1,174
Retained earnings to average equity (ytd only)	4.6880%	3,086
Net charge-offs to loans	0.3454%	609
Credit loss provision to net charge-offs	93.7500%	2,406
Earnings coverage of net charge-offs (x)	5.4568%	3,106
Efficiency ratio	62.7752%	3,762
Assets per employee ($millions)	5.1158%	2,312
Cash dividends to net income (ytd only)*	62.6227%	1,242
Condition Ratios (%)
Loss allowance to loans	1.0252%	3,930
Loan loss allowance to noncurrent loans	112.4633%	3,317
Noncurrent assets plus other real estate owned to assets	1.0653%	1,574
Noncurrent loans to loans	0.9116%	2,104
Net loans and leases to total assets	81.3128%	788
Net loans and leases to deposits	94.2744%	1,271
Net loans and leases to core deposits	116.9530%	711
Total domestic deposits to total assets	86.2512%	2,208
Equity capital to assets	10.5260%	3,348
Core capital (leverage) ratio	9.4864%	4,185
Tier 1 risk-based capital ratio	11.6808%	4,838
Total risk-based capital ratio	12.7494%	4,855
Memoranda:
Average total assets	$408,000,000	1,685
Average earning assets	$366,914,000	1,735
Average equity	$42,234,250	1,775
Average total loans	$339,660,750	1,421
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2270%	372
Cost of funding earning assets	0.8740%	358
Net interest margin	4.3530%	761
Noninterest income to average assets	0.1340%	5,380
Noninterest expense to average assets	2.6120%	3,394
Loan and lease loss provision to assets	0.4048%	321
Net operating income to assets	1.0231%	2,316
Return on assets (ROA)	1.0231%	2,363
Pretax return on assets	1.0251%	3,462
Return on Equity (ROE)	9.9398%	2,062
Retained earnings to average equity (ytd only)	3.4753%	3,635
Net charge-offs to loans	0.5141%	380
Credit loss provision to net charge-offs	94.1781%	2,099
Earnings coverage of net charge-offs (x)	3.3265%	3,060
Efficiency ratio	64.6230%	3,564
Assets per employee ($millions)	4.9721%	2,424
Cash dividends to net income (ytd only)*	65.0360%	1,310
Condition Ratios (%)
Loss allowance to loans	1.0164%	4,048
Loan loss allowance to noncurrent loans	118.0636%	3,267
Noncurrent assets plus other real estate owned to assets	1.0642%	1,642
Noncurrent loans to loans	0.8609%	2,261
Net loans and leases to total assets	83.4520%	491
Net loans and leases to deposits	96.9185%	994
Net loans and leases to core deposits	118.4532%	618
Total domestic deposits to total assets	86.1053%	2,333
Equity capital to assets	10.5237%	3,309
Core capital (leverage) ratio	9.3153%	4,351
Tier 1 risk-based capital ratio	11.4222%	5,007
Total risk-based capital ratio	12.4861%	5,011
Memoranda:
Average total assets	$407,578,670	1,685
Average earning assets	$365,910,330	1,742
Average equity	$41,952,670	1,784
Average total loans	$340,804,000	1,416
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0230%	507
Cost of funding earning assets	0.8482%	381
Net interest margin	4.1748%	1,039
Noninterest income to average assets	-0.1161%	5,838
Noninterest expense to average assets	2.6381%	3,349
Loan and lease loss provision to assets	0.6585%	154
Net operating income to assets	0.3337%	5,120
Return on assets (ROA)	0.3337%	5,143
Pretax return on assets	0.3376%	5,254
Return on Equity (ROE)	3.2776%	5,029
Retained earnings to average equity (ytd only)	3.2776%	3,797
Net charge-offs to loans	1.0227%	166
Credit loss provision to net charge-offs	77.3196%	1,772
Earnings coverage of net charge-offs (x)	1.1695%	2,751
Efficiency ratio	72.5906%	2,470
Assets per employee ($millions)	4.9463%	2,512
Cash dividends to net income (ytd only)*	0.0000%	2,824
Condition Ratios (%)
Loss allowance to loans	0.9746%	4,422
Loan loss allowance to noncurrent loans	163.4026%	2,642
Noncurrent assets plus other real estate owned to assets	0.8444%	2,188
Noncurrent loans to loans	0.5964%	3,027
Net loans and leases to total assets	82.7725%	485
Net loans and leases to deposits	95.7610%	949
Net loans and leases to core deposits	115.6590%	605
Total domestic deposits to total assets	86.4365%	2,473
Equity capital to assets	10.3428%	3,359
Core capital (leverage) ratio	9.1652%	4,529
Tier 1 risk-based capital ratio	11.2662%	5,156
Total risk-based capital ratio	12.2821%	5,197
Memoranda:
Average total assets	$409,999,500	1,692
Average earning assets	$368,303,500	1,740
Average equity	$41,737,500	1,786
Average total loans	$341,434,500	1,422
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0794%	518
Cost of funding earning assets	0.8690%	350
Net interest margin	4.2104%	1,088
Noninterest income to average assets	0.4073%	3,823
Noninterest expense to average assets	2.4324%	4,205
Loan and lease loss provision to assets	0.5836%	223
Net operating income to assets	1.1781%	1,576
Return on assets (ROA)	1.1791%	1,670
Pretax return on assets	1.1801%	2,761
Return on Equity (ROE)	11.5729%	1,373
Retained earnings to average equity (ytd only)	3.1906%	3,640
Net charge-offs to loans	0.6405%	349
Credit loss provision to net charge-offs	109.8644%	2,388
Earnings coverage of net charge-offs (x)	3.3184%	3,685
Efficiency ratio	57.9826%	4,856
Assets per employee ($millions)	4.9334%	2,463
Cash dividends to net income (ytd only)*	72.4305%	1,198
Condition Ratios (%)
Loss allowance to loans	1.0185%	4,204
Loan loss allowance to noncurrent loans	210.3303%	2,172
Noncurrent assets plus other real estate owned to assets	0.8166%	2,306
Noncurrent loans to loans	0.4842%	3,419
Net loans and leases to total assets	82.1281%	587
Net loans and leases to deposits	94.8797%	1,105
Net loans and leases to core deposits	112.5421%	757
Total domestic deposits to total assets	86.5602%	2,348
Equity capital to assets	10.0264%	3,694
Core capital (leverage) ratio	9.0066%	4,737
Tier 1 risk-based capital ratio	10.9304%	5,377
Total risk-based capital ratio	11.9846%	5,377
Memoranda:
Average total assets	$402,689,000	1,670
Average earning assets	$362,269,400	1,714
Average equity	$41,026,800	1,806
Average total loans	$333,951,400	1,398
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0911%	506
Cost of funding earning assets	0.8713%	338
Net interest margin	4.2198%	1,078
Noninterest income to average assets	0.4216%	3,761
Noninterest expense to average assets	2.4064%	4,265
Loan and lease loss provision to assets	0.7171%	157
Net operating income to assets	1.1056%	1,977
Return on assets (ROA)	1.1070%	2,070
Pretax return on assets	1.1083%	3,197
Return on Equity (ROE)	10.8207%	1,739
Retained earnings to average equity (ytd only)	2.5038%	4,419
Net charge-offs to loans	0.3137%	736
Credit loss provision to net charge-offs	275.6410%	1,113
Earnings coverage of net charge-offs (x)	7.0116%	2,934
Efficiency ratio	56.8827%	4,971
Assets per employee ($millions)	4.9790%	2,390
Cash dividends to net income (ytd only)*	76.8606%	827
Condition Ratios (%)
Loss allowance to loans	1.3775%	2,304
Loan loss allowance to noncurrent loans	116.7293%	3,303
Noncurrent assets plus other real estate owned to assets	1.2856%	1,496
Noncurrent loans to loans	1.1801%	1,903
Net loans and leases to total assets	82.7423%	535
Net loans and leases to deposits	95.9973%	1,047
Net loans and leases to core deposits	112.1636%	800
Total domestic deposits to total assets	86.1923%	2,265
Equity capital to assets	10.2073%	3,903
Core capital (leverage) ratio	9.0685%	4,756
Tier 1 risk-based capital ratio	10.9273%	5,406
Total risk-based capital ratio	12.1795%	5,325
Memoranda:
Average total assets	$399,760,250	1,688
Average earning assets	$360,831,250	1,719
Average equity	$40,896,000	1,824
Average total loans	$331,478,250	1,413
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0112%	579
Cost of funding earning assets	0.8720%	332
Net interest margin	4.1393%	1,261
Noninterest income to average assets	0.3949%	3,907
Noninterest expense to average assets	2.3559%	4,462
Loan and lease loss provision to assets	0.5770%	197
Net operating income to assets	1.1998%	1,600
Return on assets (ROA)	1.2013%	1,689
Pretax return on assets	1.2033%	2,770
Return on Equity (ROE)	11.7336%	1,405
Retained earnings to average equity (ytd only)	2.7741%	4,132
Net charge-offs to loans	0.4210%	541
Credit loss provision to net charge-offs	165.9452%	1,492
Earnings coverage of net charge-offs (x)	5.1154%	2,894
Efficiency ratio	56.9782%	5,030
Assets per employee ($millions)	5.0738%	2,230
Cash dividends to net income (ytd only)*	76.3576%	987
Condition Ratios (%)
Loss allowance to loans	1.1152%	3,865
Loan loss allowance to noncurrent loans	96.5233%	3,779
Noncurrent assets plus other real estate owned to assets	1.1192%	1,887
Noncurrent loans to loans	1.1554%	1,985
Net loans and leases to total assets	82.9102%	526
Net loans and leases to deposits	96.2516%	1,056
Net loans and leases to core deposits	113.4194%	748
Total domestic deposits to total assets	86.1390%	2,354
Equity capital to assets	10.2340%	3,933
Core capital (leverage) ratio	8.9635%	4,872
Tier 1 risk-based capital ratio	10.9704%	5,434
Total risk-based capital ratio	12.1283%	5,411
Memoranda:
Average total assets	$398,581,000	1,698
Average earning assets	$360,111,330	1,728
Average equity	$40,806,000	1,821
Average total loans	$329,184,670	1,417
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8628%	749
Cost of funding earning assets	0.8554%	376
Net interest margin	4.0074%	1,590
Noninterest income to average assets	0.3392%	4,305
Noninterest expense to average assets	2.2815%	4,711
Loan and lease loss provision to assets	0.2516%	699
Net operating income to assets	1.4230%	998
Return on assets (ROA)	1.4261%	1,040
Pretax return on assets	1.4301%	1,802
Return on Equity (ROE)	13.9268%	850
Retained earnings to average equity (ytd only)	7.1059%	1,841
Net charge-offs to loans	0.0196%	2,545
Credit loss provision to net charge-offs	1,562.5000%	263
Earnings coverage of net charge-offs (x)	104.2500%	525
Efficiency ratio	57.6112%	5,040
Assets per employee ($millions)	5.2627%	2,066
Cash dividends to net income (ytd only)*	48.9767%	1,791
Condition Ratios (%)
Loss allowance to loans	1.0772%	4,184
Loan loss allowance to noncurrent loans	88.8133%	3,886
Noncurrent assets plus other real estate owned to assets	1.0646%	2,077
Noncurrent loans to loans	1.2128%	1,998
Net loans and leases to total assets	82.0157%	555
Net loans and leases to deposits	95.4251%	995
Net loans and leases to core deposits	113.7524%	680
Total domestic deposits to total assets	85.9478%	2,691
Equity capital to assets	10.4052%	3,607
Core capital (leverage) ratio	9.1713%	4,630
Tier 1 risk-based capital ratio	11.3354%	5,322
Total risk-based capital ratio	12.4569%	5,301
Memoranda:
Average total assets	$397,456,500	1,699
Average earning assets	$359,137,000	1,728
Average equity	$40,698,500	1,818
Average total loans	$325,738,500	1,421
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0297%	587
Cost of funding earning assets	0.8174%	445
Net interest margin	4.2123%	1,144
Noninterest income to average assets	0.3586%	4,336
Noninterest expense to average assets	2.2901%	4,818
Loan and lease loss provision to assets	0.2338%	839
Net operating income to assets	1.6462%	639
Return on assets (ROA)	1.6496%	652
Pretax return on assets	1.6499%	1,115
Return on Equity (ROE)	16.0430%	550
Retained earnings to average equity (ytd only)	4.3057%	2,914
Net charge-offs to loans	0.1326%	2,035
Credit loss provision to net charge-offs	211.7647%	1,335
Earnings coverage of net charge-offs (x)	17.0282%	2,095
Efficiency ratio	54.9125%	5,451
Assets per employee ($millions)	5.4082%	1,898
Cash dividends to net income (ytd only)*	73.1611%	1,118
Condition Ratios (%)
Loss allowance to loans	1.0150%	4,516
Loan loss allowance to noncurrent loans	86.1518%	3,989
Noncurrent assets plus other real estate owned to assets	0.9645%	2,262
Noncurrent loans to loans	1.1782%	2,003
Net loans and leases to total assets	80.1935%	824
Net loans and leases to deposits	92.7508%	1,323
Net loans and leases to core deposits	112.9303%	727
Total domestic deposits to total assets	86.4613%	2,399
Equity capital to assets	10.0765%	3,880
Core capital (leverage) ratio	8.9491%	4,942
Tier 1 risk-based capital ratio	11.3008%	5,378
Total risk-based capital ratio	12.3652%	5,364
Memoranda:
Average total assets	$384,875,800	1,708
Average earning assets	$348,290,000	1,743
Average equity	$39,575,000	1,815
Average total loans	$320,495,000	1,386
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1212%	498
Cost of funding earning assets	0.7931%	519
Net interest margin	4.3281%	912
Noninterest income to average assets	0.3300%	4,579
Noninterest expense to average assets	2.2142%	5,018
Loan and lease loss provision to assets	0.2099%	934
Net operating income to assets	1.8255%	491
Return on assets (ROA)	1.8300%	508
Pretax return on assets	1.8304%	839
Return on Equity (ROE)	17.7042%	424
Retained earnings to average equity (ytd only)	4.7053%	3,122
Net charge-offs to loans	0.0371%	3,158
Credit loss provision to net charge-offs	674.1573%	508
Earnings coverage of net charge-offs (x)	65.3728%	858
Efficiency ratio	52.0995%	5,650
Assets per employee ($millions)	5.2662%	1,985
Cash dividends to net income (ytd only)*	73.4225%	911
Condition Ratios (%)
Loss allowance to loans	1.0262%	4,607
Loan loss allowance to noncurrent loans	159.7983%	2,688
Noncurrent assets plus other real estate owned to assets	0.5951%	3,491
Noncurrent loans to loans	0.6422%	3,397
Net loans and leases to total assets	82.3393%	541
Net loans and leases to deposits	95.6976%	1,037
Net loans and leases to core deposits	116.8903%	557
Total domestic deposits to total assets	86.0411%	2,503
Equity capital to assets	10.2781%	3,845
Core capital (leverage) ratio	8.9304%	5,082
Tier 1 risk-based capital ratio	11.3006%	5,487
Total risk-based capital ratio	12.3875%	5,473
Memoranda:
Average total assets	$381,043,000	1,737
Average earning assets	$345,116,000	1,767
Average equity	$39,387,000	1,835
Average total loans	$319,561,000	1,397
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0488%	556
Cost of funding earning assets	0.7429%	672
Net interest margin	4.3058%	909
Noninterest income to average assets	0.1581%	5,761
Noninterest expense to average assets	2.1562%	5,205
Loan and lease loss provision to assets	0.2380%	766
Net operating income to assets	1.6654%	666
Return on assets (ROA)	1.6723%	683
Pretax return on assets	1.6729%	1,136
Return on Equity (ROE)	16.1472%	598
Retained earnings to average equity (ytd only)	3.8044%	3,586
Net charge-offs to loans	0.0409%	2,868
Credit loss provision to net charge-offs	692.3077%	488
Earnings coverage of net charge-offs (x)	55.3846%	890
Efficiency ratio	53.1067%	5,639
Assets per employee ($millions)	4.9142%	2,381
Cash dividends to net income (ytd only)*	76.4390%	1,011
Condition Ratios (%)
Loss allowance to loans	0.9836%	4,946
Loan loss allowance to noncurrent loans	132.4917%	3,069
Noncurrent assets plus other real estate owned to assets	0.6600%	3,421
Noncurrent loans to loans	0.7424%	3,254
Net loans and leases to total assets	84.0679%	369
Net loans and leases to deposits	97.4913%	834
Net loans and leases to core deposits	113.3081%	696
Total domestic deposits to total assets	86.2311%	2,567
Equity capital to assets	10.2586%	3,740
Core capital (leverage) ratio	9.0255%	4,929
Tier 1 risk-based capital ratio	11.0811%	5,671
Total risk-based capital ratio	12.1276%	5,694
Memoranda:
Average total assets	$378,156,670	1,757
Average earning assets	$342,696,670	1,787
Average equity	$39,164,670	1,855
Average total loans	$318,013,000	1,407
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9763%	591
Cost of funding earning assets	0.7298%	734
Net interest margin	4.2464%	980
Noninterest income to average assets	0.0671%	6,184
Noninterest expense to average assets	1.8041%	5,892
Loan and lease loss provision to assets	0.2663%	598
Net operating income to assets	1.8499%	442
Return on assets (ROA)	1.8574%	465
Pretax return on assets	1.8585%	779
Return on Equity (ROE)	17.8478%	398
Retained earnings to average equity (ytd only)	9.1798%	1,136
Net charge-offs to loans	0.1145%	1,604
Credit loss provision to net charge-offs	277.7778%	857
Earnings coverage of net charge-offs (x)	22.0889%	1,362
Efficiency ratio	46.0076%	6,101
Assets per employee ($millions)	4.9546%	2,412
Cash dividends to net income (ytd only)*	48.5665%	1,781
Condition Ratios (%)
Loss allowance to loans	0.9503%	5,246
Loan loss allowance to noncurrent loans	110.9206%	3,443
Noncurrent assets plus other real estate owned to assets	0.8065%	3,096
Noncurrent loans to loans	0.8567%	3,103
Net loans and leases to total assets	81.3110%	535
Net loans and leases to deposits	94.8013%	912
Net loans and leases to core deposits	103.5829%	1,091
Total domestic deposits to total assets	85.7700%	3,057
Equity capital to assets	10.3787%	3,682
Core capital (leverage) ratio	9.1496%	4,790
Tier 1 risk-based capital ratio	11.4126%	5,600
Total risk-based capital ratio	12.4113%	5,644
Memoranda:
Average total assets	$375,581,500	1,779
Average earning assets	$340,898,500	1,799
Average equity	$39,086,000	1,869
Average total loans	$314,300,000	1,422
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8610%	991
Cost of funding earning assets	0.7233%	986
Net interest margin	4.1377%	1,469
Noninterest income to average assets	0.4155%	4,076
Noninterest expense to average assets	2.5366%	4,432
Loan and lease loss provision to assets	0.2045%	1,230
Net operating income to assets	1.4157%	1,050
Return on assets (ROA)	1.4195%	1,070
Pretax return on assets	1.4208%	1,811
Return on Equity (ROE)	13.8498%	957
Retained earnings to average equity (ytd only)	3.9233%	3,422
Net charge-offs to loans	0.1118%	2,917
Credit loss provision to net charge-offs	225.2252%	1,117
Earnings coverage of net charge-offs (x)	17.8619%	1,887
Efficiency ratio	61.0044%	5,070
Assets per employee ($millions)	4.8008%	2,590
Cash dividends to net income (ytd only)*	71.6727%	1,225
Condition Ratios (%)
Loss allowance to loans	0.8928%	5,497
Loan loss allowance to noncurrent loans	130.3100%	3,119
Noncurrent assets plus other real estate owned to assets	0.8145%	3,169
Noncurrent loans to loans	0.6851%	3,630
Net loans and leases to total assets	84.5653%	304
Net loans and leases to deposits	98.8359%	696
Net loans and leases to core deposits	107.7183%	910
Total domestic deposits to total assets	85.5613%	3,048
Equity capital to assets	10.4358%	3,566
Core capital (leverage) ratio	9.0773%	4,860
Tier 1 risk-based capital ratio	11.0409%	5,889
Total risk-based capital ratio	11.9935%	5,949
Memoranda:
Average total assets	$366,827,200	1,770
Average earning assets	$331,802,000	1,809
Average equity	$37,596,200	1,870
Average total loans	$297,862,400	1,436
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9079%	915
Cost of funding earning assets	0.7241%	1,022
Net interest margin	4.1837%	1,340
Noninterest income to average assets	0.3715%	4,454
Noninterest expense to average assets	2.5649%	4,305
Loan and lease loss provision to assets	0.1457%	1,716
Net operating income to assets	1.4337%	1,065
Return on assets (ROA)	1.4348%	1,102
Pretax return on assets	1.4367%	1,865
Return on Equity (ROE)	14.0644%	969
Retained earnings to average equity (ytd only)	5.2224%	2,937
Net charge-offs to loans	0.0704%	3,189
Credit loss provision to net charge-offs	258.0645%	1,023
Earnings coverage of net charge-offs (x)	28.0131%	1,433
Efficiency ratio	61.8621%	4,907
Assets per employee ($millions)	4.6537%	2,728
Cash dividends to net income (ytd only)*	62.8680%	1,268
Condition Ratios (%)
Loss allowance to loans	0.9041%	5,591
Loan loss allowance to noncurrent loans	167.0246%	2,495
Noncurrent assets plus other real estate owned to assets	0.6829%	3,779
Noncurrent loans to loans	0.5413%	4,305
Net loans and leases to total assets	80.8739%	626
Net loans and leases to deposits	94.4598%	997
Net loans and leases to core deposits	100.8014%	1,309
Total domestic deposits to total assets	85.6173%	3,064
Equity capital to assets	10.7294%	3,257
Core capital (leverage) ratio	9.1081%	4,922
Tier 1 risk-based capital ratio	11.7498%	5,642
Total risk-based capital ratio	12.7054%	5,747
Memoranda:
Average total assets	$366,119,000	1,790
Average earning assets	$330,317,750	1,828
Average equity	$37,351,000	1,888
Average total loans	$293,473,000	1,465
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8161%	1,047
Cost of funding earning assets	0.7178%	1,101
Net interest margin	4.0982%	1,514
Noninterest income to average assets	0.1459%	6,089
Noninterest expense to average assets	2.5803%	4,309
Loan and lease loss provision to assets	0.2170%	1,080
Net operating income to assets	1.0528%	2,111
Return on assets (ROA)	1.0528%	2,183
Pretax return on assets	1.0556%	3,259
Return on Equity (ROE)	10.4960%	1,942
Retained earnings to average equity (ytd only)	1.2654%	5,245
Net charge-offs to loans	0.0878%	2,812
Credit loss provision to net charge-offs	310.0775%	836
Earnings coverage of net charge-offs (x)	18.1860%	1,696
Efficiency ratio	66.9717%	4,201
Assets per employee ($millions)	4.8114%	2,459
Cash dividends to net income (ytd only)*	87.9444%	726
Condition Ratios (%)
Loss allowance to loans	0.9073%	5,703
Loan loss allowance to noncurrent loans	157.8947%	2,611
Noncurrent assets plus other real estate owned to assets	0.7261%	3,803
Noncurrent loans to loans	0.5747%	4,298
Net loans and leases to total assets	80.8071%	591
Net loans and leases to deposits	94.1163%	950
Net loans and leases to core deposits	101.2722%	1,187
Total domestic deposits to total assets	85.8587%	3,118
Equity capital to assets	10.3023%	3,693
Core capital (leverage) ratio	8.6648%	5,451
Tier 1 risk-based capital ratio	11.1806%	5,969
Total risk-based capital ratio	12.1390%	6,039
Memoranda:
Average total assets	$368,714,330	1,778
Average earning assets	$333,508,670	1,807
Average equity	$36,985,670	1,899
Average total loans	$293,816,670	1,455
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8319%	984
Cost of funding earning assets	0.7609%	923
Net interest margin	4.0710%	1,542
Noninterest income to average assets	-0.0043%	6,625
Noninterest expense to average assets	2.4388%	4,815
Loan and lease loss provision to assets	0.2147%	1,067
Net operating income to assets	1.0122%	2,161
Return on assets (ROA)	1.0122%	2,229
Pretax return on assets	1.0176%	3,259
Return on Equity (ROE)	10.2249%	1,953
Retained earnings to average equity (ytd only)	5.4757%	2,798
Net charge-offs to loans	0.0409%	2,810
Credit loss provision to net charge-offs	666.6667%	422
Earnings coverage of net charge-offs (x)	38.2667%	903
Efficiency ratio	66.4327%	4,454
Assets per employee ($millions)	5.1152%	2,111
Cash dividends to net income (ytd only)*	46.4475%	1,798
Condition Ratios (%)
Loss allowance to loans	0.8961%	5,880
Loan loss allowance to noncurrent loans	506.7061%	937
Noncurrent assets plus other real estate owned to assets	0.6487%	4,191
Noncurrent loans to loans	0.1769%	5,565
Net loans and leases to total assets	77.1426%	866
Net loans and leases to deposits	89.4838%	1,205
Net loans and leases to core deposits	96.7279%	1,332
Total domestic deposits to total assets	86.2084%	3,250
Equity capital to assets	10.1125%	3,707
Core capital (leverage) ratio	8.5753%	5,554
Tier 1 risk-based capital ratio	11.3616%	5,989
Total risk-based capital ratio	12.2991%	6,085
Memoranda:
Average total assets	$372,645,500	1,767
Average earning assets	$336,429,000	1,795
Average equity	$36,890,500	1,897
Average total loans	$293,593,000	1,463
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9704%	970
Cost of funding earning assets	0.9290%	639
Net interest margin	4.0414%	1,833
Noninterest income to average assets	0.2853%	5,316
Noninterest expense to average assets	2.4116%	5,043
Loan and lease loss provision to assets	0.4220%	703
Net operating income to assets	1.0836%	1,989
Return on assets (ROA)	1.0829%	2,065
Pretax return on assets	1.0845%	3,008
Return on Equity (ROE)	10.7806%	1,835
Retained earnings to average equity (ytd only)	2.3978%	4,540
Net charge-offs to loans	0.5360%	1,237
Credit loss provision to net charge-offs	98.5595%	2,519
Earnings coverage of net charge-offs (x)	3.5201%	3,830
Efficiency ratio	61.5391%	5,285
Assets per employee ($millions)	5.3098%	1,838
Cash dividends to net income (ytd only)*	77.7578%	1,002
Condition Ratios (%)
Loss allowance to loans	0.7983%	6,184
Loan loss allowance to noncurrent loans	144.5181%	2,754
Noncurrent assets plus other real estate owned to assets	1.0350%	3,354
Noncurrent loans to loans	0.5524%	4,608
Net loans and leases to total assets	79.0740%	703
Net loans and leases to deposits	93.8931%	884
Net loans and leases to core deposits	100.3927%	1,124
Total domestic deposits to total assets	84.2170%	4,088
Equity capital to assets	9.6916%	4,173
Core capital (leverage) ratio	9.9192%	3,680
Tier 1 risk-based capital ratio	10.9190%	6,207
Total risk-based capital ratio	11.7637%	6,322
Memoranda:
Average total assets	$308,058,000	2,091
Average earning assets	$276,957,400	2,131
Average equity	$30,944,400	2,199
Average total loans	$246,063,600	1,687
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1454%	718
Cost of funding earning assets	1.0023%	487
Net interest margin	4.1431%	1,503
Noninterest income to average assets	0.2810%	5,437
Noninterest expense to average assets	2.4339%	4,922
Loan and lease loss provision to assets	0.3668%	860
Net operating income to assets	1.1828%	1,690
Return on assets (ROA)	1.1819%	1,765
Pretax return on assets	1.1842%	2,767
Return on Equity (ROE)	11.6335%	1,605
Retained earnings to average equity (ytd only)	4.2057%	3,693
Net charge-offs to loans	0.3591%	1,763
Credit loss provision to net charge-offs	127.7955%	1,847
Earnings coverage of net charge-offs (x)	5.4073%	3,201
Efficiency ratio	61.0651%	5,274
Assets per employee ($millions)	4.8557%	2,360
Cash dividends to net income (ytd only)*	63.8478%	1,308
Condition Ratios (%)
Loss allowance to loans	1.0475%	5,534
Loan loss allowance to noncurrent loans	79.6803%	4,085
Noncurrent assets plus other real estate owned to assets	1.9389%	2,095
Noncurrent loans to loans	1.3146%	3,216
Net loans and leases to total assets	82.6646%	316
Net loans and leases to deposits	98.1516%	558
Net loans and leases to core deposits	105.1111%	813
Total domestic deposits to total assets	84.2214%	4,106
Equity capital to assets	10.0450%	3,841
Core capital (leverage) ratio	9.0671%	5,016
Tier 1 risk-based capital ratio	11.1779%	6,202
Total risk-based capital ratio	12.2879%	6,225
Memoranda:
Average total assets	$290,823,750	2,211
Average earning assets	$260,056,750	2,252
Average equity	$29,546,250	2,303
Average total loans	$232,453,500	1,773
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1276%	731
Cost of funding earning assets	1.0449%	440
Net interest margin	4.0828%	1,589
Noninterest income to average assets	0.0574%	6,649
Noninterest expense to average assets	2.4399%	4,929
Loan and lease loss provision to assets	0.4152%	734
Net operating income to assets	0.8221%	3,184
Return on assets (ROA)	0.8234%	3,337
Pretax return on assets	0.8269%	4,209
Return on Equity (ROE)	8.0740%	3,056
Retained earnings to average equity (ytd only)	2.0015%	4,997
Net charge-offs to loans	0.5548%	1,189
Credit loss provision to net charge-offs	95.0872%	2,332
Earnings coverage of net charge-offs (x)	2.8415%	3,570
Efficiency ratio	66.2907%	4,496
Assets per employee ($millions)	4.6928%	2,525
Cash dividends to net income (ytd only)*	75.2101%	1,027
Condition Ratios (%)
Loss allowance to loans	1.0194%	5,740
Loan loss allowance to noncurrent loans	89.4342%	3,726
Noncurrent assets plus other real estate owned to assets	1.8047%	2,404
Noncurrent loans to loans	1.1398%	3,652
Net loans and leases to total assets	80.9673%	444
Net loans and leases to deposits	94.5693%	770
Net loans and leases to core deposits	101.5110%	975
Total domestic deposits to total assets	85.6169%	3,570
Equity capital to assets	10.1820%	3,683
Core capital (leverage) ratio	9.0101%	4,970
Tier 1 risk-based capital ratio	11.3231%	6,191
Total risk-based capital ratio	12.3845%	6,254
Memoranda:
Average total assets	$289,032,330	2,229
Average earning assets	$256,492,330	2,292
Average equity	$29,477,330	2,310
Average total loans	$227,457,000	1,805
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9522%	972
Cost of funding earning assets	1.1031%	369
Net interest margin	3.8491%	2,284
Noninterest income to average assets	-0.0275%	6,887
Noninterest expense to average assets	2.2726%	5,494
Loan and lease loss provision to assets	0.6887%	344
Net operating income to assets	0.3829%	5,199
Return on assets (ROA)	0.3829%	5,343
Pretax return on assets	0.3898%	5,597
Return on Equity (ROE)	3.7514%	5,216
Retained earnings to average equity (ytd only)	3.7514%	3,984
Net charge-offs to loans	0.0268%	3,657
Credit loss provision to net charge-offs	3,333.3333%	86
Earnings coverage of net charge-offs (x)	52.2000%	652
Efficiency ratio	67.8175%	4,340
Assets per employee ($millions)	4.6982%	2,656
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	1.3365%	4,531
Loan loss allowance to noncurrent loans	108.8081%	3,125
Noncurrent assets plus other real estate owned to assets	2.0996%	2,234
Noncurrent loans to loans	1.2283%	3,722
Net loans and leases to total assets	73.5721%	1,137
Net loans and leases to deposits	86.2176%	1,329
Net loans and leases to core deposits	93.2540%	1,398
Total domestic deposits to total assets	85.3330%	3,876
Equity capital to assets	10.1999%	3,907
Core capital (leverage) ratio	8.8950%	5,064
Tier 1 risk-based capital ratio	11.9285%	5,959
Total risk-based capital ratio	13.1771%	5,929
Memoranda:
Average total assets	$290,418,500	2,249
Average earning assets	$254,918,500	2,332
Average equity	$29,642,500	2,328
Average total loans	$224,103,500	1,835
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5792%	535
Cost of funding earning assets	1.4607%	196
Net interest margin	4.1185%	1,928
Noninterest income to average assets	-0.0051%	6,842
Noninterest expense to average assets	2.3839%	5,454
Loan and lease loss provision to assets	0.0366%	5,427
Net operating income to assets	1.1921%	1,629
Return on assets (ROA)	1.1976%	1,776
Pretax return on assets	1.1994%	2,811
Return on Equity (ROE)	11.1525%	1,753
Retained earnings to average equity (ytd only)	1.6483%	5,038
Net charge-offs to loans	0.0412%	5,343
Credit loss provision to net charge-offs	114.9425%	2,522
Earnings coverage of net charge-offs (x)	38.5977%	830
Efficiency ratio	65.9536%	4,515
Assets per employee ($millions)	4.7467%	2,583
Cash dividends to net income (ytd only)*	85.2203%	836
Condition Ratios (%)
Loss allowance to loans	1.0468%	5,772
Loan loss allowance to noncurrent loans	87.8634%	3,664
Noncurrent assets plus other real estate owned to assets	2.3226%	2,115
Noncurrent loans to loans	1.1914%	3,865
Net loans and leases to total assets	78.9432%	574
Net loans and leases to deposits	92.5939%	865
Net loans and leases to core deposits	100.0749%	1,021
Total domestic deposits to total assets	85.2575%	3,737
Equity capital to assets	10.2138%	3,871
Core capital (leverage) ratio	8.6916%	5,336
Tier 1 risk-based capital ratio	11.2093%	6,269
Total risk-based capital ratio	12.2861%	6,306
Memoranda:
Average total assets	$272,875,200	2,322
Average earning assets	$239,818,000	2,413
Average equity	$29,302,800	2,295
Average total loans	$211,289,200	1,911
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6388%	523
Cost of funding earning assets	1.5238%	179
Net interest margin	4.1150%	2,037
Noninterest income to average assets	-0.1861%	7,066
Noninterest expense to average assets	2.3485%	5,549
Loan and lease loss provision to assets	0.0496%	5,144
Net operating income to assets	1.0341%	2,350
Return on assets (ROA)	1.0395%	2,539
Pretax return on assets	1.0420%	3,558
Return on Equity (ROE)	9.5545%	2,565
Retained earnings to average equity (ytd only)	3.4387%	4,444
Net charge-offs to loans	0.0569%	4,860
Credit loss provision to net charge-offs	113.6364%	2,565
Earnings coverage of net charge-offs (x)	24.8751%	1,264
Efficiency ratio	68.3762%	3,988
Assets per employee ($millions)	4.5863%	2,764
Cash dividends to net income (ytd only)*	64.0098%	1,125
Condition Ratios (%)
Loss allowance to loans	1.1653%	5,455
Loan loss allowance to noncurrent loans	87.9869%	3,586
Noncurrent assets plus other real estate owned to assets	2.5137%	2,109
Noncurrent loans to loans	1.3243%	3,822
Net loans and leases to total assets	74.5000%	1,173
Net loans and leases to deposits	88.4333%	1,303
Net loans and leases to core deposits	95.6171%	1,440
Total domestic deposits to total assets	84.2443%	4,106
Equity capital to assets	10.8716%	3,417
Core capital (leverage) ratio	9.4751%	4,308
Tier 1 risk-based capital ratio	12.6739%	5,503
Total risk-based capital ratio	13.8775%	5,500
Memoranda:
Average total assets	$268,706,500	2,381
Average earning assets	$236,428,500	2,465
Average equity	$29,235,000	2,319
Average total loans	$206,362,000	1,971
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7352%	454
Cost of funding earning assets	1.5694%	176
Net interest margin	4.1658%	1,846
Noninterest income to average assets	-0.5395%	7,194
Noninterest expense to average assets	2.4116%	5,415
Loan and lease loss provision to assets	0.0375%	5,206
Net operating income to assets	0.6784%	3,986
Return on assets (ROA)	0.6866%	4,202
Pretax return on assets	0.6903%	4,857
Return on Equity (ROE)	6.3086%	4,151
Retained earnings to average equity (ytd only)	-2.9371%	6,456
Net charge-offs to loans	0.0738%	4,411
Credit loss provision to net charge-offs	65.7895%	3,664
Earnings coverage of net charge-offs (x)	12.6184%	1,861
Efficiency ratio	77.0189%	2,586
Assets per employee ($millions)	4.4454%	3,014
Cash dividends to net income (ytd only)*	146.5574%	178
Condition Ratios (%)
Loss allowance to loans	1.1372%	5,615
Loan loss allowance to noncurrent loans	118.3582%	2,760
Noncurrent assets plus other real estate owned to assets	2.4280%	2,302
Noncurrent loans to loans	0.9608%	4,586
Net loans and leases to total assets	78.8536%	632
Net loans and leases to deposits	94.1626%	757
Net loans and leases to core deposits	101.0076%	1,040
Total domestic deposits to total assets	83.7419%	4,425
Equity capital to assets	10.9343%	3,190
Core capital (leverage) ratio	9.1761%	4,647
Tier 1 risk-based capital ratio	12.3294%	5,704
Total risk-based capital ratio	13.5384%	5,710
Memoranda:
Average total assets	$266,550,000	2,402
Average earning assets	$234,865,330	2,474
Average equity	$29,008,000	2,322
Average total loans	$206,008,330	1,975
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9229%	346
Cost of funding earning assets	1.6312%	166
Net interest margin	4.2917%	1,495
Noninterest income to average assets	-1.3994%	7,291
Noninterest expense to average assets	2.2763%	5,836
Loan and lease loss provision to assets	0.0000%	5,254
Net operating income to assets	0.0968%	6,243
Return on assets (ROA)	0.0968%	6,368
Pretax return on assets	0.1042%	6,378
Return on Equity (ROE)	0.8912%	6,369
Retained earnings to average equity (ytd only)	0.8912%	5,706
Net charge-offs to loans	0.0137%	4,503
Credit loss provision to net charge-offs	0.0000%	3,998
Earnings coverage of net charge-offs (x)	10.0000%	1,788
Efficiency ratio	95.6223%	740
Assets per employee ($millions)	4.6897%	2,677
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	1.2115%	5,435
Loan loss allowance to noncurrent loans	112.2659%	2,771
Noncurrent assets plus other real estate owned to assets	2.4769%	2,386
Noncurrent loans to loans	1.0792%	4,538
Net loans and leases to total assets	73.1486%	1,194
Net loans and leases to deposits	87.1725%	1,264
Net loans and leases to core deposits	95.0412%	1,372
Total domestic deposits to total assets	83.9124%	4,536
Equity capital to assets	10.9247%	3,001
Core capital (leverage) ratio	9.3777%	4,226
Tier 1 risk-based capital ratio	13.5426%	4,799
Total risk-based capital ratio	14.7928%	4,779
Memoranda:
Average total assets	$268,687,000	2,398
Average earning assets	$236,642,000	2,478
Average equity	$29,173,000	2,315
Average total loans	$204,416,000	1,985
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.8104%	630
Cost of funding earning assets	1.7497%	260
Net interest margin	4.0607%	2,598
Noninterest income to average assets	0.1712%	6,259
Noninterest expense to average assets	2.2964%	6,048
Loan and lease loss provision to assets	0.4156%	2,512
Net operating income to assets	1.0216%	2,122
Return on assets (ROA)	1.0216%	2,266
Pretax return on assets	1.0235%	3,149
Return on Equity (ROE)	9.3268%	2,314
Retained earnings to average equity (ytd only)	2.0523%	4,754
Net charge-offs to loans	0.4302%	3,282
Credit loss provision to net charge-offs	123.7345%	2,539
Earnings coverage of net charge-offs (x)	4.2846%	3,178
Efficiency ratio	61.4747%	5,540
Assets per employee ($millions)	4.7379%	2,538
Cash dividends to net income (ytd only)*	77.9956%	841
Condition Ratios (%)
Loss allowance to loans	1.1404%	5,666
Loan loss allowance to noncurrent loans	45.0037%	5,313
Noncurrent assets plus other real estate owned to assets	4.2068%	1,337
Noncurrent loans to loans	2.5339%	2,592
Net loans and leases to total assets	77.2023%	805
Net loans and leases to deposits	91.9428%	974
Net loans and leases to core deposits	99.4206%	1,224
Total domestic deposits to total assets	83.9678%	4,325
Equity capital to assets	10.7912%	3,207
Core capital (leverage) ratio	9.3398%	4,268
Tier 1 risk-based capital ratio	12.4365%	5,502
Total risk-based capital ratio	13.6480%	5,511
Memoranda:
Average total assets	$264,672,400	2,380
Average earning assets	$232,326,000	2,484
Average equity	$28,991,800	2,271
Average total loans	$206,637,800	1,981
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.8815%	582
Cost of funding earning assets	1.7633%	298
Net interest margin	4.1183%	2,402
Noninterest income to average assets	0.3023%	5,447
Noninterest expense to average assets	2.2760%	6,100
Loan and lease loss provision to assets	0.3798%	2,585
Net operating income to assets	1.2699%	1,452
Return on assets (ROA)	1.2699%	1,561
Pretax return on assets	1.2724%	2,390
Return on Equity (ROE)	11.5491%	1,664
Retained earnings to average equity (ytd only)	4.7062%	3,371
Net charge-offs to loans	0.2815%	3,674
Credit loss provision to net charge-offs	172.8111%	1,735
Earnings coverage of net charge-offs (x)	7.5185%	2,350
Efficiency ratio	57.9402%	6,018
Assets per employee ($millions)	4.5363%	2,857
Cash dividends to net income (ytd only)*	59.2502%	1,218
Condition Ratios (%)
Loss allowance to loans	1.2373%	5,314
Loan loss allowance to noncurrent loans	63.6733%	4,276
Noncurrent assets plus other real estate owned to assets	3.9623%	1,545
Noncurrent loans to loans	1.9432%	3,437
Net loans and leases to total assets	76.1476%	956
Net loans and leases to deposits	91.8535%	1,024
Net loans and leases to core deposits	100.3355%	1,216
Total domestic deposits to total assets	82.9012%	4,722
Equity capital to assets	11.2403%	2,923
Core capital (leverage) ratio	9.6278%	3,953
Tier 1 risk-based capital ratio	13.2126%	4,943
Total risk-based capital ratio	14.4626%	4,915
Memoranda:
Average total assets	$263,325,000	2,410
Average earning assets	$231,838,500	2,486
Average equity	$28,954,000	2,270
Average total loans	$205,572,500	2,015
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.8619%	633
Cost of funding earning assets	1.7748%	349
Net interest margin	4.0871%	2,455
Noninterest income to average assets	0.1276%	6,690
Noninterest expense to average assets	2.3068%	6,104
Loan and lease loss provision to assets	0.3797%	2,514
Net operating income to assets	1.0395%	2,069
Return on assets (ROA)	1.0395%	2,167
Pretax return on assets	1.0433%	3,065
Return on Equity (ROE)	9.5244%	2,297
Retained earnings to average equity (ytd only)	2.3585%	4,787
Net charge-offs to loans	0.3768%	3,044
Credit loss provision to net charge-offs	128.5347%	2,374
Earnings coverage of net charge-offs (x)	4.8175%	2,767
Efficiency ratio	61.8485%	5,605
Assets per employee ($millions)	4.4536%	2,923
Cash dividends to net income (ytd only)*	75.2374%	904
Condition Ratios (%)
Loss allowance to loans	1.1319%	5,819
Loan loss allowance to noncurrent loans	56.3019%	4,657
Noncurrent assets plus other real estate owned to assets	4.0752%	1,571
Noncurrent loans to loans	2.0105%	3,466
Net loans and leases to total assets	76.6195%	976
Net loans and leases to deposits	92.1102%	1,050
Net loans and leases to core deposits	100.3784%	1,310
Total domestic deposits to total assets	83.1825%	4,683
Equity capital to assets	10.9974%	2,955
Core capital (leverage) ratio	9.4872%	3,977
Tier 1 risk-based capital ratio	12.7087%	5,170
Total risk-based capital ratio	13.9077%	5,185
Memoranda:
Average total assets	$263,398,000	2,422
Average earning assets	$232,143,000	2,507
Average equity	$28,747,330	2,261
Average total loans	$206,477,000	2,029
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9314%	554
Cost of funding earning assets	1.8068%	367
Net interest margin	4.1246%	2,172
Noninterest income to average assets	-0.1759%	7,423
Noninterest expense to average assets	2.3510%	6,046
Loan and lease loss provision to assets	0.7584%	1,126
Net operating income to assets	0.3428%	5,207
Return on assets (ROA)	0.3428%	5,286
Pretax return on assets	0.3504%	5,507
Return on Equity (ROE)	3.1528%	5,302
Retained earnings to average equity (ytd only)	3.1528%	4,283
Net charge-offs to loans	0.8523%	1,547
Credit loss provision to net charge-offs	112.8668%	2,379
Earnings coverage of net charge-offs (x)	1.6501%	3,488
Efficiency ratio	67.9527%	4,660
Assets per employee ($millions)	4.5091%	2,871
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	1.0931%	6,074
Loan loss allowance to noncurrent loans	43.9648%	5,368
Noncurrent assets plus other real estate owned to assets	4.1062%	1,619
Noncurrent loans to loans	2.4863%	3,006
Net loans and leases to total assets	77.8786%	744
Net loans and leases to deposits	94.0975%	810
Net loans and leases to core deposits	103.7924%	1,074
Total domestic deposits to total assets	82.7637%	5,006
Equity capital to assets	11.0053%	2,683
Core capital (leverage) ratio	9.3965%	3,969
Tier 1 risk-based capital ratio	12.5881%	5,181
Total risk-based capital ratio	13.7534%	5,243
Memoranda:
Average total assets	$263,716,000	2,440
Average earning assets	$232,457,000	2,520
Average equity	$28,672,500	2,257
Average total loans	$207,899,500	2,032
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.3155%	449
Cost of funding earning assets	1.9750%	664
Net interest margin	4.3406%	1,680
Noninterest income to average assets	0.0790%	6,992
Noninterest expense to average assets	2.3772%	6,146
Loan and lease loss provision to assets	0.4764%	3,279
Net operating income to assets	1.0354%	1,923
Return on assets (ROA)	1.0354%	2,026
Pretax return on assets	1.0373%	2,822
Return on Equity (ROE)	9.1630%	2,232
Retained earnings to average equity (ytd only)	4.3215%	2,815
Net charge-offs to loans	0.6602%	3,031
Credit loss provision to net charge-offs	88.1705%	5,202
Earnings coverage of net charge-offs (x)	2.8016%	3,677
Efficiency ratio	61.0958%	5,877
Assets per employee ($millions)	4.2888%	3,234
Cash dividends to net income (ytd only)*	52.8374%	1,944
Condition Ratios (%)
Loss allowance to loans	1.0454%	6,172
Loan loss allowance to noncurrent loans	39.6315%	5,660
Noncurrent assets plus other real estate owned to assets	4.7036%	1,398
Noncurrent loans to loans	2.6378%	2,883
Net loans and leases to total assets	78.1033%	931
Net loans and leases to deposits	94.0196%	1,066
Net loans and leases to core deposits	103.6980%	1,331
Total domestic deposits to total assets	83.0713%	4,767
Equity capital to assets	10.7419%	2,909
Core capital (leverage) ratio	9.0898%	4,375
Tier 1 risk-based capital ratio	12.2913%	5,221
Total risk-based capital ratio	13.4106%	5,305
Memoranda:
Average total assets	$251,892,000	2,527
Average earning assets	$221,216,200	2,618
Average equity	$28,462,200	2,287
Average total loans	$206,137,200	2,105
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.4011%	411
Cost of funding earning assets	2.0159%	717
Net interest margin	4.3852%	1,571
Noninterest income to average assets	0.3435%	5,424
Noninterest expense to average assets	2.3693%	6,116
Loan and lease loss provision to assets	0.4026%	3,494
Net operating income to assets	1.4198%	1,073
Return on assets (ROA)	1.4198%	1,143
Pretax return on assets	1.4225%	1,818
Return on Equity (ROE)	12.4014%	1,404
Retained earnings to average equity (ytd only)	6.9673%	1,868
Net charge-offs to loans	0.4574%	3,463
Credit loss provision to net charge-offs	106.5341%	4,016
Earnings coverage of net charge-offs (x)	4.8296%	2,921
Efficiency ratio	56.4884%	6,491
Assets per employee ($millions)	4.3119%	3,235
Cash dividends to net income (ytd only)*	43.8184%	1,906
Condition Ratios (%)
Loss allowance to loans	1.1940%	5,524
Loan loss allowance to noncurrent loans	38.7571%	5,726
Noncurrent assets plus other real estate owned to assets	5.4137%	1,155
Noncurrent loans to loans	3.0806%	2,593
Net loans and leases to total assets	76.8008%	1,261
Net loans and leases to deposits	93.1742%	1,309
Net loans and leases to core deposits	103.5571%	1,522
Total domestic deposits to total assets	82.4272%	4,828
Equity capital to assets	11.1398%	2,825
Core capital (leverage) ratio	9.6210%	3,733
Tier 1 risk-based capital ratio	12.4816%	4,999
Total risk-based capital ratio	13.7124%	4,991
Memoranda:
Average total assets	$248,389,250	2,592
Average earning assets	$218,123,000	2,688
Average equity	$28,437,000	2,315
Average total loans	$205,203,250	2,141
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.5408%	319
Cost of funding earning assets	2.0415%	794
Net interest margin	4.4994%	1,210
Noninterest income to average assets	0.4148%	4,795
Noninterest expense to average assets	2.3180%	6,309
Loan and lease loss provision to assets	0.3266%	3,786
Net operating income to assets	1.7269%	557
Return on assets (ROA)	1.7269%	608
Pretax return on assets	1.7310%	998
Return on Equity (ROE)	14.9421%	866
Retained earnings to average equity (ytd only)	14.9421%	248
Net charge-offs to loans	0.4086%	3,350
Credit loss provision to net charge-offs	94.7867%	4,269
Earnings coverage of net charge-offs (x)	5.9716%	2,556
Efficiency ratio	52.9763%	6,979
Assets per employee ($millions)	4.5175%	2,849
Cash dividends to net income (ytd only)*	0.0000%	3,319
Condition Ratios (%)
Loss allowance to loans	1.1227%	5,834
Loan loss allowance to noncurrent loans	28.0308%	6,485
Noncurrent assets plus other real estate owned to assets	6.0953%	955
Noncurrent loans to loans	4.0053%	1,889
Net loans and leases to total assets	81.2188%	641
Net loans and leases to deposits	99.4251%	772
Net loans and leases to core deposits	110.8396%	1,113
Total domestic deposits to total assets	81.6884%	5,116
Equity capital to assets	11.6439%	2,324
Core capital (leverage) ratio	10.3101%	2,814
Tier 1 risk-based capital ratio	12.3410%	5,003
Total risk-based capital ratio	13.4937%	5,059
Memoranda:
Average total assets	$244,948,330	2,653
Average earning assets	$215,629,670	2,737
Average equity	$28,309,330	2,319
Average total loans	$206,573,000	2,158
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.2286%	605
Cost of funding earning assets	2.0781%	865
Net interest margin	4.1505%	2,230
Noninterest income to average assets	0.2690%	6,005
Noninterest expense to average assets	2.2695%	6,480
Loan and lease loss provision to assets	0.3320%	3,406
Net operating income to assets	1.3265%	1,232
Return on assets (ROA)	1.3265%	1,306
Pretax return on assets	1.3348%	1,950
Return on Equity (ROE)	11.5231%	1,635
Retained earnings to average equity (ytd only)	11.5231%	828
Net charge-offs to loans	0.5321%	2,471
Credit loss provision to net charge-offs	72.9927%	4,033
Earnings coverage of net charge-offs (x)	3.6642%	2,831
Efficiency ratio	57.6550%	6,541
Assets per employee ($millions)	4.4193%	3,094
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	1.1189%	5,922
Loan loss allowance to noncurrent loans	35.7076%	5,994
Noncurrent assets plus other real estate owned to assets	5.7875%	1,049
Noncurrent loans to loans	3.1335%	2,561
Net loans and leases to total assets	82.9355%	477
Net loans and leases to deposits	103.4980%	558
Net loans and leases to core deposits	115.4985%	974
Total domestic deposits to total assets	80.1325%	5,740
Equity capital to assets	11.5757%	2,309
Core capital (leverage) ratio	10.0407%	3,114
Tier 1 risk-based capital ratio	11.8668%	5,329
Total risk-based capital ratio	13.0107%	5,380
Memoranda:
Average total assets	$240,931,500	2,754
Average earning assets	$212,888,000	2,835
Average equity	$27,735,500	2,389
Average total loans	$205,958,500	2,219
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.4022%	824
Cost of funding earning assets	2.2934%	1,686
Net interest margin	4.1088%	2,413
Noninterest income to average assets	0.1939%	6,716
Noninterest expense to average assets	2.0794%	7,229
Loan and lease loss provision to assets	1.5326%	1,502
Net operating income to assets	0.2585%	4,688
Return on assets (ROA)	0.2626%	4,756
Pretax return on assets	0.2647%	4,861
Return on Equity (ROE)	2.4010%	4,748
Retained earnings to average equity (ytd only)	0.8862%	4,403
Net charge-offs to loans	1.9449%	1,276
Credit loss provision to net charge-offs	91.4032%	5,960
Earnings coverage of net charge-offs (x)	1.0694%	5,044
Efficiency ratio	53.6956%	7,258
Assets per employee ($millions)	4.4223%	3,066
Cash dividends to net income (ytd only)*	63.0915%	1,863
Condition Ratios (%)
Loss allowance to loans	1.1319%	5,740
Loan loss allowance to noncurrent loans	36.3707%	6,008
Noncurrent assets plus other real estate owned to assets	5.8973%	960
Noncurrent loans to loans	3.1122%	2,459
Net loans and leases to total assets	86.1371%	271
Net loans and leases to deposits	107.9944%	462
Net loans and leases to core deposits	120.8013%	1,895
Total domestic deposits to total assets	79.7607%	5,746
Equity capital to assets	11.4467%	2,357
Core capital (leverage) ratio	9.7655%	3,374
Tier 1 risk-based capital ratio	11.3303%	5,586
Total risk-based capital ratio	12.4974%	5,622
Memoranda:
Average total assets	$241,412,000	2,704
Average earning assets	$216,143,600	2,755
Average equity	$26,405,400	2,496
Average total loans	$208,132,800	2,222
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.4723%	799
Cost of funding earning assets	2.3529%	1,795
Net interest margin	4.1195%	2,321
Noninterest income to average assets	0.1570%	7,070
Noninterest expense to average assets	2.1162%	7,162
Loan and lease loss provision to assets	1.6800%	1,108
Net operating income to assets	0.0625%	5,571
Return on assets (ROA)	0.0678%	5,604
Pretax return on assets	0.0705%	5,583
Return on Equity (ROE)	0.6266%	5,606
Retained earnings to average equity (ytd only)	-1.4111%	5,586
Net charge-offs to loans	1.9094%	1,048
Credit loss provision to net charge-offs	102.3147%	4,970
Earnings coverage of net charge-offs (x)	1.0627%	4,993
Efficiency ratio	54.8074%	7,143
Assets per employee ($millions)	4.3575%	3,108
Cash dividends to net income (ytd only)*	325.1951%	105
Condition Ratios (%)
Loss allowance to loans	1.3636%	4,141
Loan loss allowance to noncurrent loans	74.3961%	3,638
Noncurrent assets plus other real estate owned to assets	4.7105%	1,270
Noncurrent loans to loans	1.8329%	3,867
Net loans and leases to total assets	85.2133%	417
Net loans and leases to deposits	107.4302%	581
Net loans and leases to core deposits	118.6356%	2,365
Total domestic deposits to total assets	79.3197%	5,686
Equity capital to assets	11.4026%	2,671
Core capital (leverage) ratio	9.6326%	3,736
Tier 1 risk-based capital ratio	11.4555%	5,474
Total risk-based capital ratio	12.7055%	5,417
Memoranda:
Average total assets	$242,064,250	2,711
Average earning assets	$217,659,750	2,752
Average equity	$26,173,000	2,545
Average total loans	$208,152,750	2,237
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.4128%	979
Cost of funding earning assets	2.4319%	1,841
Net interest margin	3.9808%	2,781
Noninterest income to average assets	0.2914%	6,190
Noninterest expense to average assets	2.1472%	7,179
Loan and lease loss provision to assets	2.3248%	686
Net operating income to assets	-0.5976%	6,656
Return on assets (ROA)	-0.5976%	6,663
Pretax return on assets	-0.5935%	6,516
Return on Equity (ROE)	-5.6254%	6,673
Retained earnings to average equity (ytd only)	-8.7078%	6,740
Net charge-offs to loans	2.7200%	620
Credit loss provision to net charge-offs	99.5443%	4,626
Earnings coverage of net charge-offs (x)	0.7413%	4,984
Efficiency ratio	55.3609%	7,186
Assets per employee ($millions)	4.3938%	2,945
Cash dividends to net income (ytd only)*	-54.7945%	8,016
Condition Ratios (%)
Loss allowance to loans	1.3245%	4,130
Loan loss allowance to noncurrent loans	79.4917%	3,535
Noncurrent assets plus other real estate owned to assets	5.1385%	1,010
Noncurrent loans to loans	1.6662%	3,994
Net loans and leases to total assets	86.0610%	373
Net loans and leases to deposits	108.2203%	640
Net loans and leases to core deposits	120.3395%	2,340
Total domestic deposits to total assets	79.5239%	5,631
Equity capital to assets	11.1525%	2,792
Core capital (leverage) ratio	9.2159%	4,286
Tier 1 risk-based capital ratio	11.0248%	5,848
Total risk-based capital ratio	12.2751%	5,780
Memoranda:
Average total assets	$244,317,000	2,708
Average earning assets	$220,154,000	2,741
Average equity	$25,953,670	2,561
Average total loans	$209,775,670	2,246
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.2914%	1,325
Cost of funding earning assets	2.5074%	1,891
Net interest margin	3.7840%	3,518
Noninterest income to average assets	0.2448%	6,499
Noninterest expense to average assets	1.8797%	7,585
Loan and lease loss provision to assets	1.9197%	633
Net operating income to assets	-0.1296%	6,455
Return on assets (ROA)	-0.1296%	6,560
Pretax return on assets	-0.1216%	6,496
Return on Equity (ROE)	-1.2488%	6,579
Retained earnings to average equity (ytd only)	-7.4157%	6,843
Net charge-offs to loans	3.2997%	379
Credit loss provision to net charge-offs	68.2594%	4,383
Earnings coverage of net charge-offs (x)	0.6394%	4,481
Efficiency ratio	51.1092%	7,501
Assets per employee ($millions)	4.5215%	2,684
Cash dividends to net income (ytd only)*	-493.8272%	8,225
Condition Ratios (%)
Loss allowance to loans	1.0364%	5,888
Loan loss allowance to noncurrent loans	49.9302%	5,202
Noncurrent assets plus other real estate owned to assets	3.6140%	1,470
Noncurrent loans to loans	2.0756%	3,159
Net loans and leases to total assets	83.8910%	705
Net loans and leases to deposits	106.2975%	839
Net loans and leases to core deposits	121.3362%	2,304
Total domestic deposits to total assets	78.9210%	5,757
Equity capital to assets	10.9022%	3,070
Core capital (leverage) ratio	9.1587%	4,467
Tier 1 risk-based capital ratio	11.0884%	5,823
Total risk-based capital ratio	12.1623%	5,893
Memoranda:
Average total assets	$250,040,000	2,642
Average earning assets	$226,849,500	2,682
Average equity	$25,945,000	2,574
Average total loans	$213,113,000	2,242
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	7.3131%	582
Cost of funding earning assets	2.9099%	2,222
Net interest margin	4.4032%	1,677
Noninterest income to average assets	0.4675%	4,902
Noninterest expense to average assets	1.9955%	7,448
Loan and lease loss provision to assets	1.3162%	1,079
Net operating income to assets	1.1866%	1,821
Return on assets (ROA)	1.1866%	1,745
Pretax return on assets	1.1886%	2,683
Return on Equity (ROE)	11.4599%	1,765
Retained earnings to average equity (ytd only)	-1.2327%	5,663
Net charge-offs to loans	1.0294%	1,204
Credit loss provision to net charge-offs	143.1670%	3,694
Earnings coverage of net charge-offs (x)	2.7245%	4,720
Efficiency ratio	44.3410%	8,002
Assets per employee ($millions)	4.4124%	2,764
Cash dividends to net income (ytd only)*	110.7563%	793
Condition Ratios (%)
Loss allowance to loans	1.2328%	4,286
Loan loss allowance to noncurrent loans	35.8298%	6,347
Noncurrent assets plus other real estate owned to assets	4.1896%	953
Noncurrent loans to loans	3.4408%	1,487
Net loans and leases to total assets	84.6162%	791
Net loans and leases to deposits	105.8920%	1,131
Net loans and leases to core deposits	120.9563%	2,605
Total domestic deposits to total assets	79.9080%	5,055
Equity capital to assets	9.8746%	4,188
Core capital (leverage) ratio	8.4564%	5,643
Tier 1 risk-based capital ratio	9.8300%	6,920
Total risk-based capital ratio	11.0803%	6,809
Memoranda:
Average total assets	$250,713,800	2,560
Average earning assets	$229,628,200	2,558
Average equity	$25,960,200	2,564
Average total loans	$223,908,800	2,092