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Putnam County 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	4.7160%	3,595
Cost of funding earning assets	2.0494%	1,786
Net interest margin	2.6667%	3,876
Noninterest income to average assets	0.0800%	4,206
Noninterest expense to average assets	1.6330%	4,101
Loan and lease loss provision to assets	0.0600%	1,800
Net operating income to assets	0.7153%	3,071
Return on assets (ROA)	0.7260%	3,044
Pretax return on assets	0.9957%	2,736
Return on Equity (ROE)	6.2900%	3,281
Retained earnings to average equity (ytd only)	6.2884%	2,190
Net charge-offs to loans	-0.0246%	4,145
Credit loss provision to net charge-offs	0.0000%	1,760
Earnings coverage of net charge-offs (x)	0.0000%	2,230
Efficiency ratio	61.0919%	2,822
Assets per employee ($millions)	9.2937%	995
Cash dividends to net income (ytd only)*	0.0000%	2,332
Condition Ratios (%)
Loss allowance to loans	1.1772%	2,310
Loan loss allowance to noncurrent loans	10,821.7391%	99
Noncurrent assets plus other real estate owned to assets	0.0344%	3,458
Noncurrent loans to loans	0.0109%	3,681
Net loans and leases to total assets	64.2400%	2,475
Net loans and leases to deposits	73.3247%	2,613
Net loans and leases to core deposits	93.1911%	1,821
Total domestic deposits to total assets	87.6100%	1,690
Equity capital to assets	11.7325%	1,333
Core capital (leverage) ratio	12.5009%	1,268
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,736
Memoranda:
Average total assets	$649,616,000	1,453
Average earning assets	$631,803,500	1,387
Average equity	$74,995,500	1,292
Average total loans	$422,987,500	1,494
2024-12-31		Rank
Percentage of unprofitable institutions	0.0000%	319
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8824%	3,290
Cost of funding earning assets	2.1980%	1,743
Net interest margin	2.6844%	3,640
Noninterest income to average assets	0.0900%	4,243
Noninterest expense to average assets	1.9928%	3,618
Loan and lease loss provision to assets	-0.0200%	4,147
Net operating income to assets	0.5126%	3,445
Return on assets (ROA)	0.5110%	3,463
Pretax return on assets	0.7106%	3,235
Return on Equity (ROE)	4.4600%	3,615
Retained earnings to average equity (ytd only)	2.2932%	3,284
Net charge-offs to loans	-0.0388%	4,293
Credit loss provision to net charge-offs	0.0000%	2,577
Earnings coverage of net charge-offs (x)	0.0000%	2,991
Efficiency ratio	74.0977%	1,549
Assets per employee ($millions)	9.2667%	967
Cash dividends to net income (ytd only)*	48.5530%	1,710
Condition Ratios (%)
Loss allowance to loans	1.1749%	2,296
Loan loss allowance to noncurrent loans	1,000.2012%	749
Noncurrent assets plus other real estate owned to assets	0.1042%	2,970
Noncurrent loans to loans	0.1175%	3,051
Net loans and leases to total assets	64.4600%	2,529
Net loans and leases to deposits	73.9834%	2,649
Net loans and leases to core deposits	94.6065%	1,805
Total domestic deposits to total assets	87.1200%	1,832
Equity capital to assets	11.3561%	1,438
Core capital (leverage) ratio	12.1710%	1,374
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,791
Memoranda:
Average total assets	$635,629,200	1,463
Average earning assets	$616,116,800	1,399
Average equity	$72,868,600	1,287
Average total loans	$412,375,800	1,496
2024-09-30		Rank
Percentage of unprofitable institutions	0.0000%	305
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8128%	3,358
Cost of funding earning assets	2.1767%	1,795
Net interest margin	2.6361%	3,710
Noninterest income to average assets	0.0900%	4,255
Noninterest expense to average assets	1.8440%	3,853
Loan and lease loss provision to assets	0.0200%	2,606
Net operating income to assets	0.5999%	3,223
Return on assets (ROA)	0.6057%	3,231
Pretax return on assets	0.7883%	3,076
Return on Equity (ROE)	5.2700%	3,470
Retained earnings to average equity (ytd only)	3.8254%	2,913
Net charge-offs to loans	-0.0553%	4,363
Credit loss provision to net charge-offs	0.0000%	2,285
Earnings coverage of net charge-offs (x)	0.0000%	2,734
Efficiency ratio	69.8172%	2,046
Assets per employee ($millions)	9.2582%	984
Cash dividends to net income (ytd only)*	27.4278%	2,285
Condition Ratios (%)
Loss allowance to loans	1.2033%	2,194
Loan loss allowance to noncurrent loans	259.4100%	1,900
Noncurrent assets plus other real estate owned to assets	0.3207%	1,936
Noncurrent loans to loans	0.4639%	1,921
Net loans and leases to total assets	63.7000%	2,563
Net loans and leases to deposits	73.3111%	2,729
Net loans and leases to core deposits	92.6649%	1,971
Total domestic deposits to total assets	86.8900%	1,630
Equity capital to assets	11.4770%	1,490
Core capital (leverage) ratio	12.5343%	1,265
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,827
Memoranda:
Average total assets	$632,368,750	1,459
Average earning assets	$612,354,250	1,401
Average equity	$72,669,750	1,284
Average total loans	$409,697,000	1,502
2024-06-30		Rank
Percentage of unprofitable institutions	0.0000%	306
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8457%	3,200
Cost of funding earning assets	2.1604%	1,745
Net interest margin	2.6853%	3,604
Noninterest income to average assets	0.0900%	4,266
Noninterest expense to average assets	1.7617%	3,992
Loan and lease loss provision to assets	0.0500%	1,906
Net operating income to assets	0.6580%	3,047
Return on assets (ROA)	0.6532%	3,088
Pretax return on assets	0.8708%	2,827
Return on Equity (ROE)	5.6800%	3,361
Retained earnings to average equity (ytd only)	3.4845%	2,891
Net charge-offs to loans	-0.0519%	4,330
Credit loss provision to net charge-offs	0.0000%	2,036
Earnings coverage of net charge-offs (x)	0.0000%	2,538
Efficiency ratio	65.6280%	2,583
Assets per employee ($millions)	8.8345%	1,065
Cash dividends to net income (ytd only)*	38.6654%	1,856
Condition Ratios (%)
Loss allowance to loans	1.2669%	1,895
Loan loss allowance to noncurrent loans	259.2118%	1,995
Noncurrent assets plus other real estate owned to assets	0.3464%	1,774
Noncurrent loans to loans	0.4887%	1,785
Net loans and leases to total assets	65.3800%	2,415
Net loans and leases to deposits	75.9177%	2,551
Net loans and leases to core deposits	94.1403%	1,857
Total domestic deposits to total assets	86.1200%	1,940
Equity capital to assets	11.4218%	1,381
Core capital (leverage) ratio	12.6632%	1,202
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,851
Memoranda:
Average total assets	$624,048,000	1,468
Average earning assets	$603,220,000	1,411
Average equity	$71,745,667	1,288
Average total loans	$404,983,667	1,511
2024-03-31		Rank
Percentage of unprofitable institutions	0.0000%	11
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8471%	3,077
Cost of funding earning assets	2.1211%	1,732
Net interest margin	2.7260%	3,515
Noninterest income to average assets	0.1100%	4,170
Noninterest expense to average assets	1.7107%	4,087
Loan and lease loss provision to assets	0.0500%	1,722
Net operating income to assets	0.7378%	2,724
Return on assets (ROA)	0.7307%	2,763
Pretax return on assets	0.9723%	2,463
Return on Equity (ROE)	6.3300%	3,125
Retained earnings to average equity (ytd only)	6.3345%	2,004
Net charge-offs to loans	0.0100%	1,716
Credit loss provision to net charge-offs	470.0000%	531
Earnings coverage of net charge-offs (x)	160.1000%	488
Efficiency ratio	62.4443%	2,989
Assets per employee ($millions)	9.0994%	977
Cash dividends to net income (ytd only)*	0.0000%	2,272
Condition Ratios (%)
Loss allowance to loans	1.2649%	1,923
Loan loss allowance to noncurrent loans	239.5085%	2,212
Noncurrent assets plus other real estate owned to assets	0.3548%	1,694
Noncurrent loans to loans	0.5281%	1,605
Net loans and leases to total assets	62.1100%	2,660
Net loans and leases to deposits	72.6643%	2,702
Net loans and leases to core deposits	89.4161%	2,077
Total domestic deposits to total assets	85.4700%	2,262
Equity capital to assets	11.2803%	1,397
Core capital (leverage) ratio	12.6743%	1,149
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,874
Memoranda:
Average total assets	$622,447,000	1,479
Average earning assets	$601,019,000	1,422
Average equity	$71,797,000	1,280
Average total loans	$399,797,500	1,518
2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2123%	3,603
Cost of funding earning assets	1.4357%	2,124
Net interest margin	2.7766%	3,705
Noninterest income to average assets	0.1500%	4,057
Noninterest expense to average assets	1.8242%	3,962
Loan and lease loss provision to assets	0.0500%	2,105
Net operating income to assets	0.7136%	3,157
Return on assets (ROA)	0.6967%	3,177
Pretax return on assets	0.9167%	2,919
Return on Equity (ROE)	5.5700%	3,612
Retained earnings to average equity (ytd only)	3.5934%	3,094
Net charge-offs to loans	-0.0473%	4,356
Credit loss provision to net charge-offs	0.0000%	2,397
Earnings coverage of net charge-offs (x)	0.0000%	2,831
Efficiency ratio	64.7846%	2,510
Assets per employee ($millions)	8.5635%	1,154
Cash dividends to net income (ytd only)*	35.4451%	2,319
Condition Ratios (%)
Loss allowance to loans	1.2611%	1,961
Loan loss allowance to noncurrent loans	239.4574%	2,318
Noncurrent assets plus other real estate owned to assets	0.3694%	1,494
Noncurrent loans to loans	0.5267%	1,471
Net loans and leases to total assets	64.7900%	2,389
Net loans and leases to deposits	74.8830%	2,548
Net loans and leases to core deposits	90.8092%	1,994
Total domestic deposits to total assets	86.5200%	1,850
Equity capital to assets	11.6954%	1,227
Core capital (leverage) ratio	12.6377%	1,165
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,896
Memoranda:
Average total assets	$620,810,600	1,434
Average earning assets	$596,778,800	1,385
Average equity	$77,698,200	1,158
Average total loans	$386,605,800	1,509
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0709%	3,706
Cost of funding earning assets	1.3010%	2,140
Net interest margin	2.7700%	3,779
Noninterest income to average assets	0.1600%	4,013
Noninterest expense to average assets	1.6591%	4,177
Loan and lease loss provision to assets	0.0800%	1,428
Net operating income to assets	0.8316%	2,927
Return on assets (ROA)	0.7993%	3,024
Pretax return on assets	1.0438%	2,734
Return on Equity (ROE)	6.2900%	3,589
Retained earnings to average equity (ytd only)	4.9974%	2,933
Net charge-offs to loans	-0.0615%	4,416
Credit loss provision to net charge-offs	0.0000%	2,098
Earnings coverage of net charge-offs (x)	0.0000%	2,572
Efficiency ratio	58.8168%	3,111
Assets per employee ($millions)	8.8979%	963
Cash dividends to net income (ytd only)*	20.5025%	2,449
Condition Ratios (%)
Loss allowance to loans	1.2825%	1,948
Loan loss allowance to noncurrent loans	246.6081%	2,253
Noncurrent assets plus other real estate owned to assets	0.3524%	1,619
Noncurrent loans to loans	0.5201%	1,522
Net loans and leases to total assets	62.4400%	2,607
Net loans and leases to deposits	70.6148%	2,800
Net loans and leases to core deposits	85.0851%	2,251
Total domestic deposits to total assets	88.4300%	1,434
Equity capital to assets	10.7882%	1,438
Core capital (leverage) ratio	12.7174%	1,157
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,911
Memoranda:
Average total assets	$624,011,250	1,425
Average earning assets	$599,032,500	1,380
Average equity	$79,345,500	1,133
Average total loans	$383,524,000	1,515
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9518%	3,785
Cost of funding earning assets	1.1286%	2,199
Net interest margin	2.8232%	3,788
Noninterest income to average assets	0.1800%	3,893
Noninterest expense to average assets	1.6413%	4,218
Loan and lease loss provision to assets	0.0800%	1,369
Net operating income to assets	0.8963%	2,766
Return on assets (ROA)	0.8581%	2,895
Pretax return on assets	1.1140%	2,604
Return on Equity (ROE)	6.4200%	3,592
Retained earnings to average equity (ytd only)	4.5854%	3,060
Net charge-offs to loans	-0.0321%	4,261
Credit loss provision to net charge-offs	0.0000%	1,862
Earnings coverage of net charge-offs (x)	0.0000%	2,403
Efficiency ratio	56.8575%	3,316
Assets per employee ($millions)	8.6533%	1,018
Cash dividends to net income (ytd only)*	28.6301%	2,119
Condition Ratios (%)
Loss allowance to loans	1.2463%	2,188
Loan loss allowance to noncurrent loans	234.1085%	2,431
Noncurrent assets plus other real estate owned to assets	0.3650%	1,459
Noncurrent loans to loans	0.5324%	1,397
Net loans and leases to total assets	63.2100%	2,462
Net loans and leases to deposits	71.7838%	2,662
Net loans and leases to core deposits	87.2853%	1,985
Total domestic deposits to total assets	88.0500%	1,580
Equity capital to assets	11.2844%	1,280
Core capital (leverage) ratio	12.5387%	1,153
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,936
Memoranda:
Average total assets	$624,397,000	1,425
Average earning assets	$598,607,000	1,382
Average equity	$83,395,667	1,089
Average total loans	$380,036,000	1,509
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7396%	3,967
Cost of funding earning assets	0.9028%	2,358
Net interest margin	2.8368%	3,887
Noninterest income to average assets	0.2400%	3,496
Noninterest expense to average assets	1.5376%	4,362
Loan and lease loss provision to assets	0.0000%	2,553
Net operating income to assets	1.0236%	2,458
Return on assets (ROA)	0.9588%	2,622
Pretax return on assets	1.3387%	2,061
Return on Equity (ROE)	6.6800%	3,593
Retained earnings to average equity (ytd only)	6.6830%	2,594
Net charge-offs to loans	-0.0128%	3,932
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	51.9735%	3,780
Assets per employee ($millions)	9.0465%	916
Cash dividends to net income (ytd only)*	0.0000%	2,306
Condition Ratios (%)
Loss allowance to loans	1.1943%	2,586
Loan loss allowance to noncurrent loans	222.6249%	2,546
Noncurrent assets plus other real estate owned to assets	0.3458%	1,485
Noncurrent loans to loans	0.5365%	1,381
Net loans and leases to total assets	59.3900%	2,727
Net loans and leases to deposits	70.0338%	2,609
Net loans and leases to core deposits	83.9224%	1,986
Total domestic deposits to total assets	84.8000%	2,908
Equity capital to assets	14.5936%	518
Core capital (leverage) ratio	15.9323%	477
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,020
Memoranda:
Average total assets	$633,731,500	1,426
Average earning assets	$607,450,000	1,383
Average equity	$90,917,000	1,023
Average total loans	$376,206,500	1,538
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9505%	4,189
Cost of funding earning assets	0.4078%	2,027
Net interest margin	2.5427%	4,242
Noninterest income to average assets	0.1000%	4,426
Noninterest expense to average assets	1.6079%	4,297
Loan and lease loss provision to assets	-0.2100%	4,637
Net operating income to assets	0.9000%	2,962
Return on assets (ROA)	0.7111%	3,530
Pretax return on assets	0.9288%	3,272
Return on Equity (ROE)	5.3400%	3,959
Retained earnings to average equity (ytd only)	3.0449%	3,705
Net charge-offs to loans	-0.1609%	4,602
Credit loss provision to net charge-offs	0.0000%	1,979
Earnings coverage of net charge-offs (x)	0.0000%	2,564
Efficiency ratio	62.7410%	2,666
Assets per employee ($millions)	8.9179%	944
Cash dividends to net income (ytd only)*	42.9474%	1,741
Condition Ratios (%)
Loss allowance to loans	1.2064%	2,355
Loan loss allowance to noncurrent loans	205.1693%	2,638
Noncurrent assets plus other real estate owned to assets	0.3688%	1,390
Noncurrent loans to loans	0.5880%	1,268
Net loans and leases to total assets	58.0100%	2,821
Net loans and leases to deposits	67.8001%	2,741
Net loans and leases to core deposits	80.2403%	2,119
Total domestic deposits to total assets	85.5600%	2,839
Equity capital to assets	13.8448%	591
Core capital (leverage) ratio	15.0581%	564
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,055
Memoranda:
Average total assets	$667,955,200	1,348
Average earning assets	$645,926,400	1,308
Average equity	$89,000,600	1,046
Average total loans	$345,567,200	1,560
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.7446%	4,252
Cost of funding earning assets	0.3703%	1,526
Net interest margin	2.3743%	4,352
Noninterest income to average assets	0.0700%	4,554
Noninterest expense to average assets	1.5029%	4,417
Loan and lease loss provision to assets	-0.2800%	4,703
Net operating income to assets	0.8950%	2,882
Return on assets (ROA)	0.6459%	3,663
Pretax return on assets	0.8382%	3,495
Return on Equity (ROE)	4.8900%	4,003
Retained earnings to average equity (ytd only)	3.3700%	3,682
Net charge-offs to loans	-0.2289%	4,660
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	0.0000%	2,297
Efficiency ratio	63.3367%	2,645
Assets per employee ($millions)	9.3495%	789
Cash dividends to net income (ytd only)*	31.1165%	1,981
Condition Ratios (%)
Loss allowance to loans	1.2558%	2,236
Loan loss allowance to noncurrent loans	184.8273%	2,776
Noncurrent assets plus other real estate owned to assets	0.3888%	1,394
Noncurrent loans to loans	0.6794%	1,199
Net loans and leases to total assets	53.2500%	3,161
Net loans and leases to deposits	61.5447%	3,064
Net loans and leases to core deposits	71.2587%	2,549
Total domestic deposits to total assets	86.5200%	2,916
Equity capital to assets	12.9491%	683
Core capital (leverage) ratio	14.4653%	616
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,120
Memoranda:
Average total assets	$676,652,000	1,346
Average earning assets	$654,999,250	1,307
Average equity	$89,335,500	1,053
Average total loans	$339,014,750	1,571
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.5367%	4,343
Cost of funding earning assets	0.3565%	1,213
Net interest margin	2.1802%	4,458
Noninterest income to average assets	0.0723%	4,574
Noninterest expense to average assets	1.4886%	4,431
Loan and lease loss provision to assets	-0.3425%	4,734
Net operating income to assets	0.8128%	2,910
Return on assets (ROA)	0.4664%	3,923
Pretax return on assets	0.5962%	3,825
Return on Equity (ROE)	3.5109%	4,131
Retained earnings to average equity (ytd only)	1.2558%	3,933
Net charge-offs to loans	-0.3012%	4,647
Credit loss provision to net charge-offs	232.7345%	901
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	68.2559%	2,202
Assets per employee ($millions)	9.3905%	780
Cash dividends to net income (ytd only)*	64.2317%	955
Condition Ratios (%)
Loss allowance to loans	1.3428%	1,994
Loan loss allowance to noncurrent loans	193.1191%	2,724
Noncurrent assets plus other real estate owned to assets	0.3811%	1,477
Noncurrent loans to loans	0.6953%	1,243
Net loans and leases to total assets	50.9330%	3,271
Net loans and leases to deposits	58.9702%	3,135
Net loans and leases to core deposits	68.5598%	2,601
Total domestic deposits to total assets	86.3706%	3,152
Equity capital to assets	13.0978%	649
Core capital (leverage) ratio	14.0665%	619
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$680,930,667	1,345
Average earning assets	$658,576,000	1,310
Average equity	$90,461,333	1,043
Average total loans	$332,702,000	1,591
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.3125%	4,449
Cost of funding earning assets	0.3664%	1,083
Net interest margin	1.9461%	4,549
Noninterest income to average assets	0.0650%	4,620
Noninterest expense to average assets	1.4546%	4,480
Loan and lease loss provision to assets	-0.2652%	4,718
Net operating income to assets	0.7733%	2,755
Return on assets (ROA)	0.0603%	4,484
Pretax return on assets	0.0468%	4,491
Return on Equity (ROE)	0.4507%	4,488
Retained earnings to average equity (ytd only)	0.4507%	3,927
Net charge-offs to loans	-0.3242%	4,668
Credit loss provision to net charge-offs	172.2433%	822
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	74.6246%	1,667
Assets per employee ($millions)	9.8519%	712
Cash dividends to net income (ytd only)*	0.0000%	2,254
Condition Ratios (%)
Loss allowance to loans	1.5504%	1,398
Loan loss allowance to noncurrent loans	527.2727%	1,444
Noncurrent assets plus other real estate owned to assets	0.1639%	2,654
Noncurrent loans to loans	0.2940%	2,412
Net loans and leases to total assets	47.5290%	3,433
Net loans and leases to deposits	55.0227%	3,342
Net loans and leases to core deposits	64.1242%	2,787
Total domestic deposits to total assets	86.3809%	3,140
Equity capital to assets	13.1068%	669
Core capital (leverage) ratio	14.0723%	567
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$683,339,000	1,350
Average earning assets	$661,618,500	1,313
Average equity	$91,414,000	1,073
Average total loans	$324,527,000	1,602
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.4592%	4,512
Cost of funding earning assets	0.4871%	982
Net interest margin	1.9721%	4,613
Noninterest income to average assets	0.0693%	4,681
Noninterest expense to average assets	1.5627%	4,469
Loan and lease loss provision to assets	-0.1641%	4,651
Net operating income to assets	0.4633%	4,154
Return on assets (ROA)	0.4249%	4,273
Pretax return on assets	0.5311%	4,205
Return on Equity (ROE)	3.0474%	4,352
Retained earnings to average equity (ytd only)	0.9039%	4,283
Net charge-offs to loans	0.2606%	345
Credit loss provision to net charge-offs	-132.2384%	3,422
Earnings coverage of net charge-offs (x)	3.3455%	2,549
Efficiency ratio	79.0140%	871
Assets per employee ($millions)	9.6779%	737
Cash dividends to net income (ytd only)*	70.3375%	727
Condition Ratios (%)
Loss allowance to loans	1.6930%	1,062
Loan loss allowance to noncurrent loans	231.7887%	2,395
Noncurrent assets plus other real estate owned to assets	0.3633%	1,773
Noncurrent loans to loans	0.7304%	1,393
Net loans and leases to total assets	45.8725%	3,702
Net loans and leases to deposits	53.5025%	3,630
Net loans and leases to core deposits	62.7715%	3,094
Total domestic deposits to total assets	85.7389%	2,999
Equity capital to assets	13.5537%	753
Core capital (leverage) ratio	13.9990%	617
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	33.5227%	180
Memoranda:
Average total assets	$662,552,800	1,336
Average earning assets	$641,190,800	1,302
Average equity	$92,375,000	1,077
Average total loans	$315,470,200	1,642
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.5139%	4,559
Cost of funding earning assets	0.5102%	1,000
Net interest margin	2.0037%	4,677
Noninterest income to average assets	0.0656%	4,767
Noninterest expense to average assets	1.4727%	4,618
Loan and lease loss provision to assets	-0.1676%	4,709
Net operating income to assets	0.5633%	4,072
Return on assets (ROA)	0.5588%	4,127
Pretax return on assets	0.6974%	4,070
Return on Equity (ROE)	3.9791%	4,304
Retained earnings to average equity (ytd only)	2.5523%	4,041
Net charge-offs to loans	0.4804%	158
Credit loss provision to net charge-offs	-72.8873%	3,193
Earnings coverage of net charge-offs (x)	2.3292%	2,353
Efficiency ratio	73.3347%	1,275
Assets per employee ($millions)	9.6975%	711
Cash dividends to net income (ytd only)*	35.8566%	1,803
Condition Ratios (%)
Loss allowance to loans	1.7215%	1,070
Loan loss allowance to noncurrent loans	200.1133%	2,534
Noncurrent assets plus other real estate owned to assets	0.4125%	1,808
Noncurrent loans to loans	0.8603%	1,336
Net loans and leases to total assets	44.5475%	3,906
Net loans and leases to deposits	52.0618%	3,880
Net loans and leases to core deposits	61.0583%	3,398
Total domestic deposits to total assets	85.5665%	2,925
Equity capital to assets	13.7304%	797
Core capital (leverage) ratio	14.2311%	600
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	34.9775%	168
Memoranda:
Average total assets	$658,828,000	1,359
Average earning assets	$638,728,500	1,318
Average equity	$92,513,750	1,089
Average total loans	$315,308,750	1,671
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.6083%	4,542
Cost of funding earning assets	0.5397%	989
Net interest margin	2.0686%	4,671
Noninterest income to average assets	0.0595%	4,817
Noninterest expense to average assets	1.4401%	4,685
Loan and lease loss provision to assets	0.0018%	2,835
Net operating income to assets	0.5171%	4,182
Return on assets (ROA)	0.5115%	4,235
Pretax return on assets	0.6161%	4,205
Return on Equity (ROE)	3.6150%	4,392
Retained earnings to average equity (ytd only)	1.4694%	4,243
Net charge-offs to loans	0.7104%	115
Credit loss provision to net charge-offs	0.5314%	1,799
Earnings coverage of net charge-offs (x)	1.8043%	2,158
Efficiency ratio	69.7460%	1,674
Assets per employee ($millions)	9.8056%	650
Cash dividends to net income (ytd only)*	59.3525%	941
Condition Ratios (%)
Loss allowance to loans	1.9467%	673
Loan loss allowance to noncurrent loans	222.5526%	2,312
Noncurrent assets plus other real estate owned to assets	0.4367%	1,879
Noncurrent loans to loans	0.8747%	1,402
Net loans and leases to total assets	46.3655%	3,876
Net loans and leases to deposits	54.2624%	3,841
Net loans and leases to core deposits	63.5868%	3,325
Total domestic deposits to total assets	85.4468%	2,925
Equity capital to assets	13.8312%	752
Core capital (leverage) ratio	14.5302%	532
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	34.2072%	185
Memoranda:
Average total assets	$652,162,667	1,360
Average earning assets	$632,209,000	1,328
Average equity	$92,283,333	1,087
Average total loans	$317,846,333	1,661
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.7540%	4,424
Cost of funding earning assets	0.5767%	977
Net interest margin	2.1773%	4,628
Noninterest income to average assets	0.0732%	4,789
Noninterest expense to average assets	1.3566%	4,777
Loan and lease loss provision to assets	0.0037%	2,703
Net operating income to assets	0.7108%	3,682
Return on assets (ROA)	0.6978%	3,774
Pretax return on assets	0.8033%	3,807
Return on Equity (ROE)	4.8747%	4,113
Retained earnings to average equity (ytd only)	4.8747%	3,261
Net charge-offs to loans	1.3901%	49
Credit loss provision to net charge-offs	0.5410%	1,470
Earnings coverage of net charge-offs (x)	1.1948%	1,863
Efficiency ratio	62.2722%	2,709
Assets per employee ($millions)	9.7543%	641
Cash dividends to net income (ytd only)*	0.0000%	2,433
Condition Ratios (%)
Loss allowance to loans	1.9542%	654
Loan loss allowance to noncurrent loans	209.8841%	2,295
Noncurrent assets plus other real estate owned to assets	0.4838%	1,942
Noncurrent loans to loans	0.9311%	1,452
Net loans and leases to total assets	47.2754%	3,879
Net loans and leases to deposits	55.5920%	3,826
Net loans and leases to core deposits	65.6174%	3,275
Total domestic deposits to total assets	85.0400%	3,076
Equity capital to assets	14.1983%	628
Core capital (leverage) ratio	14.8629%	502
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	35.5765%	177
Memoranda:
Average total assets	$644,853,000	1,368
Average earning assets	$623,530,000	1,331
Average equity	$92,313,000	1,079
Average total loans	$319,122,000	1,670
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2280%	4,421
Cost of funding earning assets	0.8514%	1,016
Net interest margin	2.3766%	4,672
Noninterest income to average assets	0.0740%	4,810
Noninterest expense to average assets	1.6471%	4,670
Loan and lease loss provision to assets	0.0411%	3,887
Net operating income to assets	0.5528%	3,899
Return on assets (ROA)	0.5527%	3,996
Pretax return on assets	0.7051%	3,872
Return on Equity (ROE)	3.7367%	4,215
Retained earnings to average equity (ytd only)	0.1049%	4,489
Net charge-offs to loans	-0.6137%	4,957
Credit loss provision to net charge-offs	-12.3421%	3,664
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	68.8167%	2,121
Assets per employee ($millions)	9.3567%	662
Cash dividends to net income (ytd only)*	97.1922%	288
Condition Ratios (%)
Loss allowance to loans	2.2471%	375
Loan loss allowance to noncurrent loans	174.5013%	2,576
Noncurrent assets plus other real estate owned to assets	0.6900%	1,509
Noncurrent loans to loans	1.2877%	1,063
Net loans and leases to total assets	49.6439%	3,848
Net loans and leases to deposits	58.5995%	3,855
Net loans and leases to core deposits	69.5028%	3,284
Total domestic deposits to total assets	84.7172%	2,870
Equity capital to assets	14.4550%	689
Core capital (leverage) ratio	14.8766%	522
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	34.4246%	184
Memoranda:
Average total assets	$618,606,000	1,298
Average earning assets	$603,708,800	1,255
Average equity	$91,498,600	1,043
Average total loans	$335,363,800	1,556
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3536%	4,409
Cost of funding earning assets	0.9060%	1,050
Net interest margin	2.4476%	4,691
Noninterest income to average assets	0.0721%	4,846
Noninterest expense to average assets	1.5758%	4,750
Loan and lease loss provision to assets	0.0331%	3,924
Net operating income to assets	0.6771%	3,533
Return on assets (ROA)	0.6782%	3,639
Pretax return on assets	0.8590%	3,495
Return on Equity (ROE)	4.5581%	4,013
Retained earnings to average equity (ytd only)	1.1103%	4,220
Net charge-offs to loans	-0.7375%	4,987
Credit loss provision to net charge-offs	-8.1197%	3,499
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	63.8884%	2,753
Assets per employee ($millions)	9.4162%	615
Cash dividends to net income (ytd only)*	75.6402%	683
Condition Ratios (%)
Loss allowance to loans	2.1119%	408
Loan loss allowance to noncurrent loans	138.3257%	2,832
Noncurrent assets plus other real estate owned to assets	0.8674%	1,336
Noncurrent loans to loans	1.5267%	930
Net loans and leases to total assets	50.4776%	4,074
Net loans and leases to deposits	59.6281%	4,083
Net loans and leases to core deposits	70.7237%	3,576
Total domestic deposits to total assets	84.6540%	2,571
Equity capital to assets	14.4834%	737
Core capital (leverage) ratio	15.0207%	541
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	34.2072%	202
Memoranda:
Average total assets	$614,193,000	1,293
Average earning assets	$600,845,250	1,241
Average equity	$91,380,500	1,032
Average total loans	$338,423,750	1,536
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5289%	4,378
Cost of funding earning assets	0.9588%	1,112
Net interest margin	2.5701%	4,684
Noninterest income to average assets	0.0710%	4,862
Noninterest expense to average assets	1.5776%	4,798
Loan and lease loss provision to assets	0.0419%	3,754
Net operating income to assets	0.7709%	3,156
Return on assets (ROA)	0.7723%	3,262
Pretax return on assets	0.9711%	3,108
Return on Equity (ROE)	5.1425%	3,792
Retained earnings to average equity (ytd only)	-0.0550%	4,313
Net charge-offs to loans	-1.0581%	5,024
Credit loss provision to net charge-offs	-7.0360%	3,329
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	60.9339%	3,286
Assets per employee ($millions)	9.2780%	627
Cash dividends to net income (ytd only)*	101.0693%	479
Condition Ratios (%)
Loss allowance to loans	2.0271%	418
Loan loss allowance to noncurrent loans	92.5114%	3,322
Noncurrent assets plus other real estate owned to assets	1.2150%	893
Noncurrent loans to loans	2.1912%	582
Net loans and leases to total assets	53.5006%	3,916
Net loans and leases to deposits	63.5128%	3,919
Net loans and leases to core deposits	75.5392%	3,325
Total domestic deposits to total assets	84.2359%	2,670
Equity capital to assets	14.8043%	665
Core capital (leverage) ratio	15.3564%	519
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	33.6920%	200
Memoranda:
Average total assets	$605,489,333	1,286
Average earning assets	$593,214,667	1,232
Average equity	$90,928,000	1,029
Average total loans	$341,170,667	1,506
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6841%	4,424
Cost of funding earning assets	1.0147%	1,362
Net interest margin	2.6694%	4,692
Noninterest income to average assets	0.0710%	4,919
Noninterest expense to average assets	1.5627%	4,880
Loan and lease loss provision to assets	0.0850%	2,629
Net operating income to assets	0.8443%	2,735
Return on assets (ROA)	0.8443%	2,823
Pretax return on assets	1.0458%	2,680
Return on Equity (ROE)	5.5810%	3,456
Retained earnings to average equity (ytd only)	-0.6285%	4,094
Net charge-offs to loans	-0.5169%	5,026
Credit loss provision to net charge-offs	-28.7330%	3,112
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	58.0164%	3,999
Assets per employee ($millions)	8.7686%	573
Cash dividends to net income (ytd only)*	111.2609%	668
Condition Ratios (%)
Loss allowance to loans	1.6233%	1,009
Loan loss allowance to noncurrent loans	77.0670%	3,619
Noncurrent assets plus other real estate owned to assets	1.2024%	1,034
Noncurrent loans to loans	2.1064%	647
Net loans and leases to total assets	55.2709%	3,889
Net loans and leases to deposits	65.7603%	3,883
Net loans and leases to core deposits	78.5376%	3,311
Total domestic deposits to total assets	84.0491%	2,772
Equity capital to assets	14.9644%	768
Core capital (leverage) ratio	15.6732%	567
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	33.2404%	227
Memoranda:
Average total assets	$597,422,500	1,266
Average earning assets	$586,953,000	1,213
Average equity	$90,378,500	1,027
Average total loans	$342,029,500	1,481
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9224%	4,390
Cost of funding earning assets	0.9837%	1,794
Net interest margin	2.9387%	4,604
Noninterest income to average assets	-0.0252%	5,148
Noninterest expense to average assets	1.7152%	4,855
Loan and lease loss provision to assets	0.1330%	1,602
Net operating income to assets	0.7895%	3,586
Return on assets (ROA)	0.7895%	3,665
Pretax return on assets	1.0147%	3,429
Return on Equity (ROE)	5.2360%	4,150
Retained earnings to average equity (ytd only)	3.2204%	3,409
Net charge-offs to loans	0.3197%	645
Credit loss provision to net charge-offs	71.3122%	2,899
Earnings coverage of net charge-offs (x)	6.1520%	3,002
Efficiency ratio	59.9104%	3,711
Assets per employee ($millions)	8.4243%	612
Cash dividends to net income (ytd only)*	38.4944%	2,674
Condition Ratios (%)
Loss allowance to loans	1.4381%	1,401
Loan loss allowance to noncurrent loans	58.7070%	3,959
Noncurrent assets plus other real estate owned to assets	1.4321%	725
Noncurrent loans to loans	2.4496%	450
Net loans and leases to total assets	57.5180%	3,806
Net loans and leases to deposits	68.6934%	3,759
Net loans and leases to core deposits	81.8789%	3,133
Total domestic deposits to total assets	83.7315%	2,939
Equity capital to assets	15.3577%	720
Core capital (leverage) ratio	15.7652%	555
Tier 1 risk-based capital ratio	32.2381%	413
Total risk-based capital ratio	33.4936%	398
Memoranda:
Average total assets	$592,301,600	1,232
Average earning assets	$582,085,600	1,189
Average equity	$89,305,200	984
Average total loans	$345,590,000	1,439
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9444%	4,469
Cost of funding earning assets	0.9646%	1,914
Net interest margin	2.9798%	4,649
Noninterest income to average assets	-0.0603%	5,230
Noninterest expense to average assets	1.6462%	4,969
Loan and lease loss provision to assets	0.1349%	1,421
Net operating income to assets	0.8486%	3,521
Return on assets (ROA)	0.8486%	3,602
Pretax return on assets	1.0865%	3,336
Return on Equity (ROE)	5.6544%	4,145
Retained earnings to average equity (ytd only)	4.3509%	3,224
Net charge-offs to loans	0.3858%	432
Credit loss provision to net charge-offs	59.9401%	2,710
Earnings coverage of net charge-offs (x)	5.4266%	2,923
Efficiency ratio	57.4061%	4,013
Assets per employee ($millions)	8.5020%	571
Cash dividends to net income (ytd only)*	23.0525%	2,912
Condition Ratios (%)
Loss allowance to loans	1.4197%	1,503
Loan loss allowance to noncurrent loans	55.8810%	4,081
Noncurrent assets plus other real estate owned to assets	1.4771%	765
Noncurrent loans to loans	2.5406%	451
Net loans and leases to total assets	56.7622%	3,992
Net loans and leases to deposits	67.6692%	3,944
Net loans and leases to core deposits	80.1591%	3,380
Total domestic deposits to total assets	83.8819%	2,864
Equity capital to assets	15.2254%	788
Core capital (leverage) ratio	15.6861%	607
Tier 1 risk-based capital ratio	32.7782%	405
Total risk-based capital ratio	34.0337%	399
Memoranda:
Average total assets	$592,951,000	1,238
Average earning assets	$582,623,750	1,188
Average equity	$88,990,250	987
Average total loans	$345,953,750	1,444
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9653%	4,446
Cost of funding earning assets	0.9435%	1,944
Net interest margin	3.0218%	4,648
Noninterest income to average assets	-0.1273%	5,283
Noninterest expense to average assets	1.6183%	5,046
Loan and lease loss provision to assets	0.0871%	2,108
Net operating income to assets	0.8882%	3,328
Return on assets (ROA)	0.8882%	3,394
Pretax return on assets	1.1361%	3,136
Return on Equity (ROE)	5.9469%	4,059
Retained earnings to average equity (ytd only)	3.9797%	3,261
Net charge-offs to loans	0.4662%	343
Credit loss provision to net charge-offs	31.8912%	2,590
Earnings coverage of net charge-offs (x)	4.4771%	2,737
Efficiency ratio	56.9527%	4,138
Assets per employee ($millions)	8.4237%	574
Cash dividends to net income (ytd only)*	33.0798%	2,505
Condition Ratios (%)
Loss allowance to loans	1.3665%	1,756
Loan loss allowance to noncurrent loans	40.0748%	4,379
Noncurrent assets plus other real estate owned to assets	2.1453%	404
Noncurrent loans to loans	3.4099%	254
Net loans and leases to total assets	57.7038%	3,940
Net loans and leases to deposits	68.7033%	3,925
Net loans and leases to core deposits	82.2926%	3,250
Total domestic deposits to total assets	83.9898%	2,871
Equity capital to assets	15.1598%	772
Core capital (leverage) ratio	15.4946%	618
Tier 1 risk-based capital ratio	31.6159%	430
Total risk-based capital ratio	32.8704%	419
Memoranda:
Average total assets	$592,222,330	1,241
Average earning assets	$581,847,670	1,180
Average equity	$88,449,670	983
Average total loans	$347,045,670	1,450
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8878%	4,572
Cost of funding earning assets	0.9034%	1,981
Net interest margin	2.9845%	4,774
Noninterest income to average assets	0.0330%	5,254
Noninterest expense to average assets	1.6303%	5,074
Loan and lease loss provision to assets	0.1361%	1,273
Net operating income to assets	0.9105%	3,196
Return on assets (ROA)	0.9105%	3,239
Pretax return on assets	1.1990%	2,807
Return on Equity (ROE)	6.1424%	3,969
Retained earnings to average equity (ytd only)	6.1424%	2,390
Net charge-offs to loans	0.7665%	192
Credit loss provision to net charge-offs	30.2849%	2,086
Earnings coverage of net charge-offs (x)	2.9700%	2,443
Efficiency ratio	54.9773%	4,434
Assets per employee ($millions)	8.8053%	514
Cash dividends to net income (ytd only)*	0.0000%	2,768
Condition Ratios (%)
Loss allowance to loans	1.3790%	1,754
Loan loss allowance to noncurrent loans	36.4015%	4,521
Noncurrent assets plus other real estate owned to assets	2.3674%	348
Noncurrent loans to loans	3.7883%	220
Net loans and leases to total assets	57.3434%	3,956
Net loans and leases to deposits	67.9844%	3,929
Net loans and leases to core deposits	80.7260%	3,299
Total domestic deposits to total assets	84.3479%	2,923
Equity capital to assets	14.8204%	791
Core capital (leverage) ratio	15.4353%	607
Tier 1 risk-based capital ratio	30.9340%	444
Total risk-based capital ratio	32.1886%	434
Memoranda:
Average total assets	$593,503,500	1,241
Average earning assets	$583,152,000	1,178
Average equity	$87,979,000	984
Average total loans	$348,083,500	1,451
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8095%	4,468
Cost of funding earning assets	0.7876%	1,594
Net interest margin	3.0219%	4,776
Noninterest income to average assets	-0.0332%	5,364
Noninterest expense to average assets	1.6969%	5,090
Loan and lease loss provision to assets	0.9546%	94
Net operating income to assets	0.2096%	5,098
Return on assets (ROA)	0.1657%	5,128
Pretax return on assets	0.2089%	5,110
Return on Equity (ROE)	1.1689%	5,143
Retained earnings to average equity (ytd only)	-0.8489%	5,074
Net charge-offs to loans	1.7379%	61
Credit loss provision to net charge-offs	91.4056%	2,703
Earnings coverage of net charge-offs (x)	1.1673%	3,648
Efficiency ratio	58.1915%	4,135
Assets per employee ($millions)	8.4025%	582
Cash dividends to net income (ytd only)*	172.6190%	71
Condition Ratios (%)
Loss allowance to loans	1.5132%	1,247
Loan loss allowance to noncurrent loans	32.9125%	4,595
Noncurrent assets plus other real estate owned to assets	2.8865%	230
Noncurrent loans to loans	4.5975%	132
Net loans and leases to total assets	58.2731%	3,936
Net loans and leases to deposits	69.1015%	3,894
Net loans and leases to core deposits	82.2498%	3,240
Total domestic deposits to total assets	84.3297%	2,897
Equity capital to assets	14.7979%	761
Core capital (leverage) ratio	15.1527%	664
Tier 1 risk-based capital ratio	30.4155%	459
Total risk-based capital ratio	31.6718%	449
Memoranda:
Average total assets	$608,301,200	1,186
Average earning assets	$593,675,000	1,128
Average equity	$86,232,000	970
Average total loans	$365,558,800	1,343
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7753%	4,494
Cost of funding earning assets	0.7686%	1,487
Net interest margin	3.0067%	4,834
Noninterest income to average assets	-0.0341%	5,444
Noninterest expense to average assets	1.6545%	5,171
Loan and lease loss provision to assets	1.2602%	60
Net operating income to assets	-0.0039%	5,301
Return on assets (ROA)	-0.0620%	5,318
Pretax return on assets	-0.0926%	5,321
Return on Equity (ROE)	-0.4417%	5,316
Retained earnings to average equity (ytd only)	-1.7900%	5,184
Net charge-offs to loans	1.6982%	64
Credit loss provision to net charge-offs	123.0263%	1,958
Earnings coverage of net charge-offs (x)	1.2116%	3,367
Efficiency ratio	57.1396%	4,234
Assets per employee ($millions)	8.7027%	494
Cash dividends to net income (ytd only)*	-305.2633%	5,469
Condition Ratios (%)
Loss allowance to loans	1.9497%	537
Loan loss allowance to noncurrent loans	37.1126%	4,626
Noncurrent assets plus other real estate owned to assets	3.3156%	193
Noncurrent loans to loans	5.2534%	113
Net loans and leases to total assets	56.9369%	4,136
Net loans and leases to deposits	66.9529%	4,132
Net loans and leases to core deposits	78.8554%	3,579
Total domestic deposits to total assets	85.0403%	2,591
Equity capital to assets	14.1972%	901
Core capital (leverage) ratio	14.7367%	773
Tier 1 risk-based capital ratio	29.1418%	516
Total risk-based capital ratio	30.4040%	506
Memoranda:
Average total assets	$613,332,250	1,186
Average earning assets	$597,625,250	1,118
Average equity	$86,030,500	970
Average total loans	$369,944,750	1,340
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7282%	4,518
Cost of funding earning assets	0.7555%	1,347
Net interest margin	2.9727%	4,914
Noninterest income to average assets	-0.0211%	5,509
Noninterest expense to average assets	1.6648%	5,222
Loan and lease loss provision to assets	1.8822%	35
Net operating income to assets	-0.5141%	5,445
Return on assets (ROA)	-0.5596%	5,440
Pretax return on assets	-0.7350%	5,451
Return on Equity (ROE)	-4.0057%	5,426
Retained earnings to average equity (ytd only)	-6.0318%	5,329
Net charge-offs to loans	2.6770%	36
Credit loss provision to net charge-offs	115.1473%	1,838
Earnings coverage of net charge-offs (x)	0.7371%	3,111
Efficiency ratio	58.0159%	4,233
Assets per employee ($millions)	8.6838%	491
Cash dividends to net income (ytd only)*	-50.5814%	5,522
Condition Ratios (%)
Loss allowance to loans	1.8163%	731
Loan loss allowance to noncurrent loans	32.6430%	4,720
Noncurrent assets plus other real estate owned to assets	3.7612%	161
Noncurrent loans to loans	5.5642%	105
Net loans and leases to total assets	58.4521%	3,957
Net loans and leases to deposits	68.5702%	3,980
Net loans and leases to core deposits	81.8262%	3,260
Total domestic deposits to total assets	85.2441%	2,581
Equity capital to assets	13.9854%	933
Core capital (leverage) ratio	14.2228%	843
Tier 1 risk-based capital ratio	27.8517%	565
Total risk-based capital ratio	29.1117%	559
Memoranda:
Average total assets	$614,713,000	1,183
Average earning assets	$597,773,330	1,122
Average equity	$85,878,000	971
Average total loans	$375,342,670	1,321
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7091%	4,452
Cost of funding earning assets	0.7178%	1,354
Net interest margin	2.9913%	4,896
Noninterest income to average assets	0.0751%	5,413
Noninterest expense to average assets	1.6585%	5,283
Loan and lease loss provision to assets	3.7364%	16
Net operating income to assets	-1.8431%	5,566
Return on assets (ROA)	-1.9336%	5,566
Pretax return on assets	-2.5302%	5,577
Return on Equity (ROE)	-13.8476%	5,554
Retained earnings to average equity (ytd only)	-13.8476%	5,437
Net charge-offs to loans	4.5489%	22
Credit loss provision to net charge-offs	132.8884%	1,319
Earnings coverage of net charge-offs (x)	0.4697%	2,636
Efficiency ratio	55.6690%	4,625
Assets per employee ($millions)	9.7632%	350
Cash dividends to net income (ytd only)*	0.0000%	2,749
Condition Ratios (%)
Loss allowance to loans	1.9478%	605
Loan loss allowance to noncurrent loans	36.5799%	4,703
Noncurrent assets plus other real estate owned to assets	4.2425%	137
Noncurrent loans to loans	5.3249%	129
Net loans and leases to total assets	59.2609%	3,827
Net loans and leases to deposits	69.3427%	3,840
Net loans and leases to core deposits	82.0691%	3,137
Total domestic deposits to total assets	85.4610%	2,768
Equity capital to assets	13.7731%	954
Core capital (leverage) ratio	14.2173%	826
Tier 1 risk-based capital ratio	26.4117%	655
Total risk-based capital ratio	27.6729%	644
Memoranda:
Average total assets	$618,137,500	1,189
Average earning assets	$600,139,500	1,132
Average equity	$86,311,000	970
Average total loans	$382,073,000	1,311
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7760%	4,126
Cost of funding earning assets	0.7436%	840
Net interest margin	3.0324%	4,821
Noninterest income to average assets	0.0808%	5,458
Noninterest expense to average assets	1.5041%	5,474
Loan and lease loss provision to assets	0.9268%	112
Net operating income to assets	0.0856%	5,272
Return on assets (ROA)	0.0856%	5,279
Pretax return on assets	0.6020%	4,737
Return on Equity (ROE)	0.6223%	5,295
Retained earnings to average equity (ytd only)	-1.3216%	5,213
Net charge-offs to loans	1.7802%	82
Credit loss provision to net charge-offs	80.7389%	2,930
Earnings coverage of net charge-offs (x)	1.3318%	3,902
Efficiency ratio	49.5922%	5,239
Assets per employee ($millions)	9.4014%	388
Cash dividends to net income (ytd only)*	312.3878%	55
Condition Ratios (%)
Loss allowance to loans	1.4732%	1,497
Loan loss allowance to noncurrent loans	21.7507%	4,958
Noncurrent assets plus other real estate owned to assets	4.8535%	102
Noncurrent loans to loans	6.7729%	68
Net loans and leases to total assets	62.6460%	3,538
Net loans and leases to deposits	73.5523%	3,553
Net loans and leases to core deposits	87.0461%	2,818
Total domestic deposits to total assets	85.1720%	2,768
Equity capital to assets	14.0826%	882
Core capital (leverage) ratio	13.9036%	857
Tier 1 risk-based capital ratio	25.8003%	675
Total risk-based capital ratio	27.0552%	664
Memoranda:
Average total assets	$650,808,400	1,120
Average earning assets	$633,580,600	1,067
Average equity	$89,510,800	904
Average total loans	$419,683,200	1,186
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7652%	4,126
Cost of funding earning assets	0.7423%	788
Net interest margin	3.0229%	4,867
Noninterest income to average assets	0.0267%	5,638
Noninterest expense to average assets	1.4275%	5,568
Loan and lease loss provision to assets	0.6640%	170
Net operating income to assets	0.5699%	4,507
Return on assets (ROA)	0.5699%	4,546
Pretax return on assets	0.8763%	4,120
Return on Equity (ROE)	4.1668%	4,806
Retained earnings to average equity (ytd only)	2.8786%	4,190
Net charge-offs to loans	0.6370%	312
Credit loss provision to net charge-offs	161.1302%	1,592
Earnings coverage of net charge-offs (x)	3.7376%	3,301
Efficiency ratio	48.0996%	5,335
Assets per employee ($millions)	9.8410%	331
Cash dividends to net income (ytd only)*	30.9168%	2,711
Condition Ratios (%)
Loss allowance to loans	2.0483%	521
Loan loss allowance to noncurrent loans	28.0687%	4,971
Noncurrent assets plus other real estate owned to assets	5.3521%	88
Noncurrent loans to loans	7.2975%	66
Net loans and leases to total assets	61.6114%	3,701
Net loans and leases to deposits	72.0346%	3,768
Net loans and leases to core deposits	88.0474%	2,765
Total domestic deposits to total assets	85.5303%	2,506
Equity capital to assets	13.7616%	1,060
Core capital (leverage) ratio	14.2347%	828
Tier 1 risk-based capital ratio	24.4165%	809
Total risk-based capital ratio	25.6782%	789
Memoranda:
Average total assets	$658,386,750	1,114
Average earning assets	$640,552,750	1,054
Average equity	$90,043,000	910
Average total loans	$425,972,250	1,177
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7568%	4,050
Cost of funding earning assets	0.7463%	698
Net interest margin	3.0105%	4,887
Noninterest income to average assets	-0.0088%	5,743
Noninterest expense to average assets	1.3810%	5,633
Loan and lease loss provision to assets	0.4322%	290
Net operating income to assets	0.7036%	3,837
Return on assets (ROA)	0.7036%	3,901
Pretax return on assets	1.1081%	3,143
Return on Equity (ROE)	5.1552%	4,414
Retained earnings to average equity (ytd only)	3.2178%	3,799
Net charge-offs to loans	0.9306%	211
Credit loss provision to net charge-offs	71.0290%	2,370
Earnings coverage of net charge-offs (x)	2.5315%	3,151
Efficiency ratio	47.2742%	5,425
Assets per employee ($millions)	10.0930%	292
Cash dividends to net income (ytd only)*	37.5810%	2,436
Condition Ratios (%)
Loss allowance to loans	1.5928%	1,274
Loan loss allowance to noncurrent loans	24.5546%	5,057
Noncurrent assets plus other real estate owned to assets	4.9050%	110
Noncurrent loans to loans	6.4867%	88
Net loans and leases to total assets	62.8243%	3,532
Net loans and leases to deposits	73.4712%	3,601
Net loans and leases to core deposits	90.1707%	2,508
Total domestic deposits to total assets	85.5087%	2,613
Equity capital to assets	13.7587%	1,059
Core capital (leverage) ratio	14.1051%	833
Tier 1 risk-based capital ratio	23.9520%	857
Total risk-based capital ratio	25.2078%	836
Memoranda:
Average total assets	$658,065,670	1,109
Average earning assets	$640,486,330	1,059
Average equity	$89,811,670	913
Average total loans	$430,262,670	1,179
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7847%	3,812
Cost of funding earning assets	0.7487%	657
Net interest margin	3.0360%	4,815
Noninterest income to average assets	0.0419%	5,741
Noninterest expense to average assets	1.3771%	5,707
Loan and lease loss provision to assets	0.1068%	1,788
Net operating income to assets	0.9814%	2,383
Return on assets (ROA)	0.9814%	2,432
Pretax return on assets	1.5112%	1,502
Return on Equity (ROE)	7.2199%	3,310
Retained earnings to average equity (ytd only)	7.2199%	1,777
Net charge-offs to loans	0.2707%	676
Credit loss provision to net charge-offs	59.6610%	1,910
Earnings coverage of net charge-offs (x)	9.0373%	2,018
Efficiency ratio	45.9777%	5,530
Assets per employee ($millions)	10.0946%	296
Cash dividends to net income (ytd only)*	0.0000%	2,824
Condition Ratios (%)
Loss allowance to loans	1.6546%	1,239
Loan loss allowance to noncurrent loans	39.3143%	4,871
Noncurrent assets plus other real estate owned to assets	3.5880%	231
Noncurrent loans to loans	4.2087%	236
Net loans and leases to total assets	63.6256%	3,317
Net loans and leases to deposits	74.3772%	3,367
Net loans and leases to core deposits	90.9031%	2,279
Total domestic deposits to total assets	85.5445%	2,865
Equity capital to assets	13.5651%	1,049
Core capital (leverage) ratio	14.1431%	802
Tier 1 risk-based capital ratio	23.3515%	933
Total risk-based capital ratio	24.6080%	918
Memoranda:
Average total assets	$659,076,500	1,110
Average earning assets	$641,101,500	1,060
Average equity	$89,586,000	914
Average total loans	$435,981,000	1,168
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9467%	3,395
Cost of funding earning assets	0.7675%	587
Net interest margin	3.1791%	4,506
Noninterest income to average assets	0.1030%	5,640
Noninterest expense to average assets	1.3936%	5,776
Loan and lease loss provision to assets	0.7436%	155
Net operating income to assets	0.6846%	3,847
Return on assets (ROA)	0.6854%	3,958
Pretax return on assets	1.0577%	3,269
Return on Equity (ROE)	5.0984%	4,381
Retained earnings to average equity (ytd only)	3.1749%	3,651
Net charge-offs to loans	0.1493%	1,771
Credit loss provision to net charge-offs	730.8623%	493
Earnings coverage of net charge-offs (x)	17.6929%	2,022
Efficiency ratio	43.6358%	5,707
Assets per employee ($millions)	10.1860%	287
Cash dividends to net income (ytd only)*	37.7274%	2,982
Condition Ratios (%)
Loss allowance to loans	1.6445%	1,269
Loan loss allowance to noncurrent loans	38.5425%	4,922
Noncurrent assets plus other real estate owned to assets	3.8228%	207
Noncurrent loans to loans	4.2667%	228
Net loans and leases to total assets	66.5242%	2,999
Net loans and leases to deposits	77.7257%	3,132
Net loans and leases to core deposits	95.8258%	1,938
Total domestic deposits to total assets	85.5884%	2,787
Equity capital to assets	13.6208%	1,002
Core capital (leverage) ratio	13.9424%	832
Tier 1 risk-based capital ratio	22.7351%	992
Total risk-based capital ratio	23.9918%	974
Memoranda:
Average total assets	$649,699,000	1,095
Average earning assets	$631,623,000	1,029
Average equity	$87,341,400	910
Average total loans	$442,817,400	1,104
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9278%	3,502
Cost of funding earning assets	0.7612%	605
Net interest margin	3.1666%	4,585
Noninterest income to average assets	0.0893%	5,744
Noninterest expense to average assets	1.2936%	5,869
Loan and lease loss provision to assets	0.8232%	130
Net operating income to assets	0.6852%	3,930
Return on assets (ROA)	0.6852%	4,061
Pretax return on assets	1.0510%	3,425
Return on Equity (ROE)	5.1138%	4,468
Retained earnings to average equity (ytd only)	3.8262%	3,586
Net charge-offs to loans	0.1606%	1,416
Credit loss provision to net charge-offs	750.5618%	524
Earnings coverage of net charge-offs (x)	17.0881%	2,074
Efficiency ratio	40.8351%	5,814
Assets per employee ($millions)	9.0119%	411
Cash dividends to net income (ytd only)*	25.1798%	3,016
Condition Ratios (%)
Loss allowance to loans	1.4656%	1,906
Loan loss allowance to noncurrent loans	33.5226%	5,114
Noncurrent assets plus other real estate owned to assets	3.9529%	216
Noncurrent loans to loans	4.3720%	228
Net loans and leases to total assets	66.9887%	2,957
Net loans and leases to deposits	78.0945%	3,178
Net loans and leases to core deposits	95.7727%	2,017
Total domestic deposits to total assets	85.7790%	2,468
Equity capital to assets	13.5049%	1,247
Core capital (leverage) ratio	13.9614%	863
Tier 1 risk-based capital ratio	22.1405%	1,123
Total risk-based capital ratio	23.3945%	1,102
Memoranda:
Average total assets	$649,147,000	1,095
Average earning assets	$631,072,000	1,030
Average equity	$86,978,000	917
Average total loans	$443,290,000	1,105
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9280%	3,504
Cost of funding earning assets	0.7532%	615
Net interest margin	3.1749%	4,624
Noninterest income to average assets	0.0885%	5,815
Noninterest expense to average assets	1.2085%	5,970
Loan and lease loss provision to assets	1.2404%	76
Net operating income to assets	0.7601%	3,506
Return on assets (ROA)	0.7601%	3,645
Pretax return on assets	0.7366%	4,506
Return on Equity (ROE)	5.6881%	4,200
Retained earnings to average equity (ytd only)	3.7427%	3,514
Net charge-offs to loans	0.2213%	1,061
Credit loss provision to net charge-offs	819.6319%	441
Earnings coverage of net charge-offs (x)	13.0634%	2,149
Efficiency ratio	37.9384%	5,944
Assets per employee ($millions)	9.5529%	326
Cash dividends to net income (ytd only)*	34.2020%	2,675
Condition Ratios (%)
Loss allowance to loans	1.4654%	2,002
Loan loss allowance to noncurrent loans	37.6197%	5,112
Noncurrent assets plus other real estate owned to assets	3.6647%	275
Noncurrent loans to loans	3.8952%	311
Net loans and leases to total assets	68.3188%	2,737
Net loans and leases to deposits	79.7728%	2,957
Net loans and leases to core deposits	97.3576%	1,857
Total domestic deposits to total assets	85.6417%	2,591
Equity capital to assets	13.5769%	1,194
Core capital (leverage) ratio	13.9380%	838
Tier 1 risk-based capital ratio	22.0010%	1,136
Total risk-based capital ratio	23.2554%	1,120
Memoranda:
Average total assets	$646,239,000	1,103
Average earning assets	$630,390,670	1,037
Average equity	$86,355,670	922
Average total loans	$441,968,670	1,103
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9530%	3,393
Cost of funding earning assets	0.7418%	662
Net interest margin	3.2112%	4,548
Noninterest income to average assets	0.0879%	5,857
Noninterest expense to average assets	1.2140%	6,029
Loan and lease loss provision to assets	0.4074%	337
Net operating income to assets	0.9224%	2,634
Return on assets (ROA)	0.9224%	2,746
Pretax return on assets	1.6022%	1,284
Return on Equity (ROE)	6.8519%	3,540
Retained earnings to average equity (ytd only)	6.8519%	1,960
Net charge-offs to loans	0.2138%	944
Credit loss provision to net charge-offs	281.1966%	888
Earnings coverage of net charge-offs (x)	13.8718%	1,721
Efficiency ratio	37.6608%	6,007
Assets per employee ($millions)	10.7141%	226
Cash dividends to net income (ytd only)*	0.0000%	2,863
Condition Ratios (%)
Loss allowance to loans	0.7939%	5,378
Loan loss allowance to noncurrent loans	99.3481%	3,646
Noncurrent assets plus other real estate owned to assets	1.4678%	1,402
Noncurrent loans to loans	0.7991%	2,838
Net loans and leases to total assets	67.0129%	2,805
Net loans and leases to deposits	78.2076%	2,985
Net loans and leases to core deposits	95.2330%	1,867
Total domestic deposits to total assets	85.6860%	2,815
Equity capital to assets	13.4573%	1,191
Core capital (leverage) ratio	13.9962%	810
Tier 1 risk-based capital ratio	22.4067%	1,103
Total risk-based capital ratio	23.2781%	1,133
Memoranda:
Average total assets	$646,107,500	1,092
Average earning assets	$630,915,500	1,039
Average equity	$86,983,500	916
Average total loans	$437,803,500	1,109
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8549%	3,864
Cost of funding earning assets	0.7147%	764
Net interest margin	3.1402%	4,810
Noninterest income to average assets	0.0919%	5,896
Noninterest expense to average assets	1.3448%	6,060
Loan and lease loss provision to assets	0.0315%	3,739
Net operating income to assets	1.1041%	1,906
Return on assets (ROA)	1.1110%	1,942
Pretax return on assets	1.7893%	821
Return on Equity (ROE)	8.4193%	2,750
Retained earnings to average equity (ytd only)	6.4866%	1,550
Net charge-offs to loans	0.2114%	1,391
Credit loss provision to net charge-offs	22.4215%	3,729
Earnings coverage of net charge-offs (x)	12.8879%	2,416
Efficiency ratio	42.6290%	6,011
Assets per employee ($millions)	10.1373%	265
Cash dividends to net income (ytd only)*	22.9559%	3,666
Condition Ratios (%)
Loss allowance to loans	0.7097%	5,619
Loan loss allowance to noncurrent loans	72.3070%	4,322
Noncurrent assets plus other real estate owned to assets	1.4933%	1,357
Noncurrent loans to loans	0.9815%	2,375
Net loans and leases to total assets	67.4936%	2,786
Net loans and leases to deposits	78.6892%	2,977
Net loans and leases to core deposits	96.5635%	1,790
Total domestic deposits to total assets	85.7724%	2,748
Equity capital to assets	13.4682%	1,140
Core capital (leverage) ratio	13.7939%	879
Tier 1 risk-based capital ratio	22.4995%	1,083
Total risk-based capital ratio	23.2817%	1,121
Memoranda:
Average total assets	$635,167,200	1,077
Average earning assets	$619,520,200	1,016
Average equity	$83,819,200	908
Average total loans	$421,912,000	1,082
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8345%	3,981
Cost of funding earning assets	0.7045%	820
Net interest margin	3.1300%	4,883
Noninterest income to average assets	0.0898%	5,995
Noninterest expense to average assets	1.1588%	6,185
Loan and lease loss provision to assets	0.0000%	4,232
Net operating income to assets	1.2648%	1,436
Return on assets (ROA)	1.2709%	1,479
Pretax return on assets	1.9923%	604
Return on Equity (ROE)	9.6807%	2,230
Retained earnings to average equity (ytd only)	8.3837%	1,092
Net charge-offs to loans	0.2216%	1,177
Credit loss provision to net charge-offs	0.0000%	3,517
Earnings coverage of net charge-offs (x)	13.5531%	2,319
Efficiency ratio	36.8861%	6,176
Assets per employee ($millions)	10.0935%	259
Cash dividends to net income (ytd only)*	13.3973%	3,473
Condition Ratios (%)
Loss allowance to loans	0.7156%	5,695
Loan loss allowance to noncurrent loans	121.2850%	3,238
Noncurrent assets plus other real estate owned to assets	1.1742%	2,018
Noncurrent loans to loans	0.5900%	3,562
Net loans and leases to total assets	66.0851%	2,994
Net loans and leases to deposits	76.8988%	3,207
Net loans and leases to core deposits	94.6783%	2,014
Total domestic deposits to total assets	85.9377%	2,560
Equity capital to assets	13.2961%	1,312
Core capital (leverage) ratio	13.9043%	890
Tier 1 risk-based capital ratio	22.3375%	1,146
Total risk-based capital ratio	23.1147%	1,195
Memoranda:
Average total assets	$634,295,750	1,087
Average earning assets	$618,479,000	1,024
Average equity	$83,270,250	922
Average total loans	$418,857,250	1,094
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8016%	4,064
Cost of funding earning assets	0.6976%	851
Net interest margin	3.1040%	4,962
Noninterest income to average assets	0.0917%	6,053
Noninterest expense to average assets	1.1399%	6,261
Loan and lease loss provision to assets	0.0000%	4,069
Net operating income to assets	1.2649%	1,413
Return on assets (ROA)	1.2744%	1,455
Pretax return on assets	1.9975%	594
Return on Equity (ROE)	9.7504%	2,181
Retained earnings to average equity (ytd only)	7.7843%	1,351
Net charge-offs to loans	0.3401%	774
Credit loss provision to net charge-offs	0.0000%	3,158
Earnings coverage of net charge-offs (x)	8.8513%	2,522
Efficiency ratio	36.5068%	6,256
Assets per employee ($millions)	10.2029%	246
Cash dividends to net income (ytd only)*	20.1643%	3,180
Condition Ratios (%)
Loss allowance to loans	0.7188%	5,770
Loan loss allowance to noncurrent loans	197.4887%	2,263
Noncurrent assets plus other real estate owned to assets	1.0119%	2,497
Noncurrent loans to loans	0.3640%	4,403
Net loans and leases to total assets	66.9651%	2,795
Net loans and leases to deposits	77.9128%	3,043
Net loans and leases to core deposits	96.2724%	1,774
Total domestic deposits to total assets	85.9488%	2,712
Equity capital to assets	13.2527%	1,278
Core capital (leverage) ratio	13.6321%	947
Tier 1 risk-based capital ratio	22.5032%	1,136
Total risk-based capital ratio	23.3020%	1,183
Memoranda:
Average total assets	$630,400,670	1,096
Average earning assets	$615,532,330	1,033
Average equity	$82,397,000	935
Average total loans	$415,151,670	1,108
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7247%	4,279
Cost of funding earning assets	0.6899%	894
Net interest margin	3.0348%	5,111
Noninterest income to average assets	0.0941%	6,108
Noninterest expense to average assets	1.0367%	6,359
Loan and lease loss provision to assets	0.0000%	3,703
Net operating income to assets	1.3087%	1,245
Return on assets (ROA)	1.3253%	1,275
Pretax return on assets	2.0467%	546
Return on Equity (ROE)	10.2108%	1,907
Retained earnings to average equity (ytd only)	10.2108%	870
Net charge-offs to loans	0.5550%	446
Credit loss provision to net charge-offs	0.0000%	2,491
Earnings coverage of net charge-offs (x)	5.5986%	2,375
Efficiency ratio	33.9015%	6,338
Assets per employee ($millions)	10.4090%	233
Cash dividends to net income (ytd only)*	0.0000%	2,870
Condition Ratios (%)
Loss allowance to loans	0.7765%	5,745
Loan loss allowance to noncurrent loans	350.6565%	1,374
Noncurrent assets plus other real estate owned to assets	0.8946%	2,847
Noncurrent loans to loans	0.2214%	4,981
Net loans and leases to total assets	64.5036%	3,028
Net loans and leases to deposits	74.9741%	3,164
Net loans and leases to core deposits	92.6605%	1,890
Total domestic deposits to total assets	86.0346%	2,919
Equity capital to assets	13.0633%	1,364
Core capital (leverage) ratio	13.6409%	925
Tier 1 risk-based capital ratio	22.4367%	1,178
Total risk-based capital ratio	23.2797%	1,217
Memoranda:
Average total assets	$629,311,000	1,101
Average earning assets	$614,596,500	1,039
Average equity	$81,678,500	936
Average total loans	$409,390,000	1,119
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5671%	5,173
Cost of funding earning assets	0.7984%	656
Net interest margin	2.7688%	5,851
Noninterest income to average assets	0.1012%	6,152
Noninterest expense to average assets	1.3004%	6,396
Loan and lease loss provision to assets	0.0000%	4,603
Net operating income to assets	0.9832%	2,466
Return on assets (ROA)	0.9889%	2,519
Pretax return on assets	1.5117%	1,500
Return on Equity (ROE)	7.7962%	3,229
Retained earnings to average equity (ytd only)	5.8333%	2,036
Net charge-offs to loans	0.0118%	4,666
Credit loss provision to net charge-offs	0.0000%	4,203
Earnings coverage of net charge-offs (x)	214.0227%	248
Efficiency ratio	46.3877%	6,255
Assets per employee ($millions)	10.2234%	231
Cash dividends to net income (ytd only)*	25.1775%	3,601
Condition Ratios (%)
Loss allowance to loans	0.9293%	5,366
Loan loss allowance to noncurrent loans	173.1528%	2,515
Noncurrent assets plus other real estate owned to assets	1.0816%	2,584
Noncurrent loans to loans	0.5367%	4,052
Net loans and leases to total assets	64.4998%	3,144
Net loans and leases to deposits	74.7053%	3,350
Net loans and leases to core deposits	92.3789%	2,049
Total domestic deposits to total assets	86.3390%	2,649
Equity capital to assets	12.8838%	1,422
Core capital (leverage) ratio	12.3956%	1,403
Tier 1 risk-based capital ratio	21.6659%	1,277
Total risk-based capital ratio	22.7202%	1,290
Memoranda:
Average total assets	$626,561,000	1,062
Average earning assets	$611,497,800	1,005
Average equity	$79,474,400	921
Average total loans	$373,126,200	1,185
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4809%	5,439
Cost of funding earning assets	0.8199%	623
Net interest margin	2.6610%	6,055
Noninterest income to average assets	0.1012%	6,246
Noninterest expense to average assets	1.2100%	6,482
Loan and lease loss provision to assets	0.0000%	4,401
Net operating income to assets	0.9813%	2,536
Return on assets (ROA)	0.9892%	2,567
Pretax return on assets	1.5004%	1,646
Return on Equity (ROE)	7.8293%	3,297
Retained earnings to average equity (ytd only)	6.5171%	2,093
Net charge-offs to loans	0.0047%	4,539
Credit loss provision to net charge-offs	0.0000%	3,801
Earnings coverage of net charge-offs (x)	538.7825%	143
Efficiency ratio	44.8409%	6,332
Assets per employee ($millions)	10.2818%	220
Cash dividends to net income (ytd only)*	16.7597%	3,326
Condition Ratios (%)
Loss allowance to loans	0.9752%	5,318
Loan loss allowance to noncurrent loans	163.4293%	2,536
Noncurrent assets plus other real estate owned to assets	1.1803%	2,594
Noncurrent loans to loans	0.5967%	4,142
Net loans and leases to total assets	61.5746%	3,552
Net loans and leases to deposits	71.0402%	3,788
Net loans and leases to core deposits	87.6572%	2,468
Total domestic deposits to total assets	86.6757%	2,489
Equity capital to assets	12.8990%	1,477
Core capital (leverage) ratio	13.1796%	1,106
Tier 1 risk-based capital ratio	23.8105%	1,011
Total risk-based capital ratio	24.9101%	1,009
Memoranda:
Average total assets	$627,294,250	1,076
Average earning assets	$612,277,500	1,009
Average equity	$79,256,250	929
Average total loans	$364,904,750	1,211
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3967%	5,622
Cost of funding earning assets	0.8466%	565
Net interest margin	2.5501%	6,222
Noninterest income to average assets	0.1027%	6,277
Noninterest expense to average assets	1.1777%	6,558
Loan and lease loss provision to assets	0.0000%	4,196
Net operating income to assets	0.9320%	2,642
Return on assets (ROA)	0.9427%	2,683
Pretax return on assets	1.4296%	1,788
Return on Equity (ROE)	7.5138%	3,361
Retained earnings to average equity (ytd only)	5.5318%	2,619
Net charge-offs to loans	0.0062%	4,166
Credit loss provision to net charge-offs	0.0000%	3,401
Earnings coverage of net charge-offs (x)	403.0000%	173
Efficiency ratio	45.4534%	6,379
Assets per employee ($millions)	9.3046%	296
Cash dividends to net income (ytd only)*	26.3781%	2,933
Condition Ratios (%)
Loss allowance to loans	1.0251%	5,243
Loan loss allowance to noncurrent loans	186.2947%	2,282
Noncurrent assets plus other real estate owned to assets	1.1488%	2,778
Noncurrent loans to loans	0.5502%	4,365
Net loans and leases to total assets	58.9468%	3,870
Net loans and leases to deposits	67.8320%	4,072
Net loans and leases to core deposits	82.6201%	2,902
Total domestic deposits to total assets	86.9011%	2,510
Equity capital to assets	12.8282%	1,470
Core capital (leverage) ratio	12.6322%	1,320
Tier 1 risk-based capital ratio	23.8068%	1,010
Total risk-based capital ratio	24.9472%	1,001
Memoranda:
Average total assets	$627,330,000	1,076
Average earning assets	$612,122,000	1,011
Average equity	$78,708,000	929
Average total loans	$356,542,670	1,235
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2994%	5,843
Cost of funding earning assets	0.8586%	564
Net interest margin	2.4408%	6,385
Noninterest income to average assets	0.0960%	6,345
Noninterest expense to average assets	1.0679%	6,664
Loan and lease loss provision to assets	0.0000%	3,817
Net operating income to assets	0.9108%	2,601
Return on assets (ROA)	0.9318%	2,568
Pretax return on assets	1.4423%	1,600
Return on Equity (ROE)	7.5106%	3,196
Retained earnings to average equity (ytd only)	7.5106%	1,813
Net charge-offs to loans	0.0000%	3,660
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	43.0990%	6,520
Assets per employee ($millions)	9.7717%	253
Cash dividends to net income (ytd only)*	0.0000%	2,852
Condition Ratios (%)
Loss allowance to loans	1.0842%	5,186
Loan loss allowance to noncurrent loans	171.2427%	2,376
Noncurrent assets plus other real estate owned to assets	1.2058%	2,850
Noncurrent loans to loans	0.6332%	4,277
Net loans and leases to total assets	54.8254%	4,303
Net loans and leases to deposits	62.8505%	4,454
Net loans and leases to core deposits	76.3286%	3,375
Total domestic deposits to total assets	87.2315%	2,680
Equity capital to assets	12.4166%	1,623
Core capital (leverage) ratio	12.5777%	1,351
Tier 1 risk-based capital ratio	24.2749%	964
Total risk-based capital ratio	25.4517%	956
Memoranda:
Average total assets	$629,290,000	1,080
Average earning assets	$614,051,000	1,016
Average equity	$78,076,000	939
Average total loans	$349,171,000	1,256
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4639%	5,704
Cost of funding earning assets	0.9043%	720
Net interest margin	2.5595%	6,319
Noninterest income to average assets	0.0870%	6,434
Noninterest expense to average assets	1.3503%	6,656
Loan and lease loss provision to assets	0.0000%	5,091
Net operating income to assets	0.8130%	3,228
Return on assets (ROA)	0.8135%	3,320
Pretax return on assets	1.2422%	2,407
Return on Equity (ROE)	6.5422%	3,805
Retained earnings to average equity (ytd only)	4.5889%	2,892
Net charge-offs to loans	0.0189%	5,065
Credit loss provision to net charge-offs	0.0000%	4,707
Earnings coverage of net charge-offs (x)	121.6825%	388
Efficiency ratio	52.1025%	6,286
Assets per employee ($millions)	9.4458%	279
Cash dividends to net income (ytd only)*	29.8567%	3,288
Condition Ratios (%)
Loss allowance to loans	1.1022%	5,136
Loan loss allowance to noncurrent loans	199.8429%	2,097
Noncurrent assets plus other real estate owned to assets	1.0989%	3,211
Noncurrent loans to loans	0.5515%	4,610
Net loans and leases to total assets	54.9355%	4,469
Net loans and leases to deposits	62.8777%	4,628
Net loans and leases to core deposits	75.4132%	3,680
Total domestic deposits to total assets	87.3687%	2,540
Equity capital to assets	12.3972%	1,569
Core capital (leverage) ratio	12.2788%	1,458
Tier 1 risk-based capital ratio	24.3806%	914
Total risk-based capital ratio	25.5850%	908
Memoranda:
Average total assets	$617,554,000	1,081
Average earning assets	$604,327,200	1,015
Average equity	$76,793,200	926
Average total loans	$333,879,600	1,277
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4598%	5,768
Cost of funding earning assets	0.9051%	795
Net interest margin	2.5548%	6,371
Noninterest income to average assets	0.0790%	6,543
Noninterest expense to average assets	1.2459%	6,774
Loan and lease loss provision to assets	0.0000%	4,941
Net operating income to assets	0.8764%	2,958
Return on assets (ROA)	0.8771%	3,070
Pretax return on assets	1.3357%	2,191
Return on Equity (ROE)	7.0482%	3,619
Retained earnings to average equity (ytd only)	5.7440%	2,569
Net charge-offs to loans	0.0004%	5,208
Credit loss provision to net charge-offs	0.0000%	4,342
Earnings coverage of net charge-offs (x)	6,182.3008%	3
Efficiency ratio	48.2808%	6,491
Assets per employee ($millions)	8.9684%	313
Cash dividends to net income (ytd only)*	18.5049%	3,144
Condition Ratios (%)
Loss allowance to loans	1.1311%	5,204
Loan loss allowance to noncurrent loans	206.0574%	1,936
Noncurrent assets plus other real estate owned to assets	1.0811%	3,499
Noncurrent loans to loans	0.5489%	4,826
Net loans and leases to total assets	53.9947%	4,616
Net loans and leases to deposits	61.7970%	4,788
Net loans and leases to core deposits	74.9677%	3,739
Total domestic deposits to total assets	87.3743%	2,472
Equity capital to assets	12.3516%	1,672
Core capital (leverage) ratio	12.4564%	1,444
Tier 1 risk-based capital ratio	24.3357%	949
Total risk-based capital ratio	25.5601%	935
Memoranda:
Average total assets	$616,087,000	1,091
Average earning assets	$603,248,500	1,024
Average equity	$76,669,750	942
Average total loans	$330,775,250	1,294
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4265%	5,848
Cost of funding earning assets	0.9105%	851
Net interest margin	2.5159%	6,433
Noninterest income to average assets	0.0670%	6,617
Noninterest expense to average assets	1.2401%	6,820
Loan and lease loss provision to assets	0.0000%	4,788
Net operating income to assets	0.8717%	2,945
Return on assets (ROA)	0.8658%	3,118
Pretax return on assets	1.2833%	2,360
Return on Equity (ROE)	6.9391%	3,629
Retained earnings to average equity (ytd only)	4.9752%	3,073
Net charge-offs to loans	0.0557%	3,901
Credit loss provision to net charge-offs	0.0000%	4,003
Earnings coverage of net charge-offs (x)	43.4615%	872
Efficiency ratio	48.9743%	6,484
Assets per employee ($millions)	8.6904%	342
Cash dividends to net income (ytd only)*	28.3019%	2,720
Condition Ratios (%)
Loss allowance to loans	1.1502%	5,241
Loan loss allowance to noncurrent loans	169.4855%	2,278
Noncurrent assets plus other real estate owned to assets	1.1492%	3,446
Noncurrent loans to loans	0.6787%	4,580
Net loans and leases to total assets	52.7589%	4,776
Net loans and leases to deposits	60.3826%	4,929
Net loans and leases to core deposits	73.3526%	3,889
Total domestic deposits to total assets	87.3743%	2,605
Equity capital to assets	12.3521%	1,673
Core capital (leverage) ratio	12.2424%	1,479
Tier 1 risk-based capital ratio	24.8646%	889
Total risk-based capital ratio	26.1096%	872
Memoranda:
Average total assets	$612,185,670	1,096
Average earning assets	$599,857,330	1,031
Average equity	$76,379,000	949
Average total loans	$326,749,670	1,303
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3695%	6,004
Cost of funding earning assets	0.9146%	920
Net interest margin	2.4549%	6,552
Noninterest income to average assets	0.0669%	6,680
Noninterest expense to average assets	1.2687%	6,889
Loan and lease loss provision to assets	0.0000%	4,409
Net operating income to assets	0.7969%	3,182
Return on assets (ROA)	0.7852%	3,373
Pretax return on assets	1.1893%	2,616
Return on Equity (ROE)	6.2620%	3,909
Retained earnings to average equity (ytd only)	6.2620%	2,534
Net charge-offs to loans	-0.0037%	5,219
Credit loss provision to net charge-offs	0.0000%	3,239
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	51.2454%	6,422
Assets per employee ($millions)	8.8049%	341
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	1.1816%	5,259
Loan loss allowance to noncurrent loans	64.5601%	4,536
Noncurrent assets plus other real estate owned to assets	1.3295%	3,299
Noncurrent loans to loans	1.8303%	2,826
Net loans and leases to total assets	52.6740%	4,600
Net loans and leases to deposits	60.4148%	4,746
Net loans and leases to core deposits	72.8616%	3,717
Total domestic deposits to total assets	87.1873%	2,843
Equity capital to assets	12.4795%	1,727
Core capital (leverage) ratio	12.3467%	1,404
Tier 1 risk-based capital ratio	24.9296%	898
Total risk-based capital ratio	26.1802%	891
Memoranda:
Average total assets	$609,768,500	1,110
Average earning assets	$598,311,500	1,045
Average equity	$76,461,000	956
Average total loans	$325,464,000	1,308
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6002%	6,226
Cost of funding earning assets	1.1064%	886
Net interest margin	2.4938%	6,720
Noninterest income to average assets	0.1237%	6,417
Noninterest expense to average assets	1.7992%	6,623
Loan and lease loss provision to assets	0.1402%	3,857
Net operating income to assets	0.4173%	5,020
Return on assets (ROA)	0.4171%	5,281
Pretax return on assets	0.6238%	4,915
Return on Equity (ROE)	3.2993%	5,428
Retained earnings to average equity (ytd only)	1.3982%	5,178
Net charge-offs to loans	0.4538%	2,416
Credit loss provision to net charge-offs	57.8114%	4,504
Earnings coverage of net charge-offs (x)	3.1514%	3,859
Efficiency ratio	70.1849%	3,775
Assets per employee ($millions)	8.2630%	449
Cash dividends to net income (ytd only)*	57.6230%	1,921
Condition Ratios (%)
Loss allowance to loans	1.2032%	5,097
Loan loss allowance to noncurrent loans	68.4489%	4,315
Noncurrent assets plus other real estate owned to assets	1.1512%	3,739
Noncurrent loans to loans	1.7578%	2,976
Net loans and leases to total assets	52.8046%	4,788
Net loans and leases to deposits	60.6149%	4,957
Net loans and leases to core deposits	74.4188%	3,728
Total domestic deposits to total assets	87.1150%	2,765
Equity capital to assets	12.6005%	1,637
Core capital (leverage) ratio	12.1086%	1,506
Tier 1 risk-based capital ratio	24.9419%	860
Total risk-based capital ratio	26.1927%	851
Memoranda:
Average total assets	$599,110,800	1,109
Average earning assets	$586,137,200	1,033
Average equity	$75,742,600	933
Average total loans	$320,168,000	1,314
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5970%	6,399
Cost of funding earning assets	1.1399%	900
Net interest margin	2.4571%	6,856
Noninterest income to average assets	0.0798%	6,691
Noninterest expense to average assets	1.7480%	6,740
Loan and lease loss provision to assets	0.1873%	3,248
Net operating income to assets	0.3750%	5,353
Return on assets (ROA)	0.3750%	5,555
Pretax return on assets	0.5462%	5,322
Return on Equity (ROE)	2.9634%	5,691
Retained earnings to average equity (ytd only)	1.6949%	5,482
Net charge-offs to loans	0.6074%	1,816
Credit loss provision to net charge-offs	57.6923%	4,215
Earnings coverage of net charge-offs (x)	2.2596%	4,133
Efficiency ratio	70.4429%	3,605
Assets per employee ($millions)	7.6903%	540
Cash dividends to net income (ytd only)*	42.8064%	2,024
Condition Ratios (%)
Loss allowance to loans	1.2121%	5,230
Loan loss allowance to noncurrent loans	37.0448%	5,796
Noncurrent assets plus other real estate owned to assets	2.1917%	2,437
Noncurrent loans to loans	3.2720%	1,680
Net loans and leases to total assets	51.9973%	5,045
Net loans and leases to deposits	59.6204%	5,249
Net loans and leases to core deposits	72.0718%	4,243
Total domestic deposits to total assets	87.2140%	2,549
Equity capital to assets	12.5300%	1,872
Core capital (leverage) ratio	12.2038%	1,533
Tier 1 risk-based capital ratio	24.6921%	934
Total risk-based capital ratio	25.9428%	929
Memoranda:
Average total assets	$598,089,250	1,120
Average earning assets	$584,581,750	1,039
Average equity	$75,676,750	934
Average total loans	$319,611,250	1,328
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6275%	6,453
Cost of funding earning assets	1.1507%	1,023
Net interest margin	2.4768%	6,910
Noninterest income to average assets	0.0800%	6,757
Noninterest expense to average assets	1.8778%	6,642
Loan and lease loss provision to assets	0.0000%	5,619
Net operating income to assets	0.4763%	4,928
Return on assets (ROA)	0.4763%	5,173
Pretax return on assets	0.6263%	5,047
Return on Equity (ROE)	3.7523%	5,381
Retained earnings to average equity (ytd only)	1.8457%	5,274
Net charge-offs to loans	0.4412%	2,278
Credit loss provision to net charge-offs	0.0000%	4,809
Earnings coverage of net charge-offs (x)	2.6426%	3,686
Efficiency ratio	74.9899%	2,896
Assets per employee ($millions)	7.5185%	579
Cash dividends to net income (ytd only)*	50.8116%	1,701
Condition Ratios (%)
Loss allowance to loans	1.1756%	5,456
Loan loss allowance to noncurrent loans	50.1656%	5,111
Noncurrent assets plus other real estate owned to assets	1.6740%	3,209
Noncurrent loans to loans	2.3435%	2,555
Net loans and leases to total assets	52.9263%	4,974
Net loans and leases to deposits	60.7710%	5,165
Net loans and leases to core deposits	73.4198%	4,108
Total domestic deposits to total assets	87.0913%	2,723
Equity capital to assets	12.6134%	1,744
Core capital (leverage) ratio	12.2481%	1,472
Tier 1 risk-based capital ratio	24.6281%	939
Total risk-based capital ratio	25.8784%	927
Memoranda:
Average total assets	$594,941,330	1,123
Average earning assets	$582,275,670	1,036
Average equity	$75,527,670	926
Average total loans	$319,556,000	1,328
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6600%	6,498
Cost of funding earning assets	1.1350%	1,240
Net interest margin	2.5250%	6,933
Noninterest income to average assets	0.0784%	6,832
Noninterest expense to average assets	2.3527%	5,619
Loan and lease loss provision to assets	0.0000%	5,254
Net operating income to assets	0.1764%	6,051
Return on assets (ROA)	0.1764%	6,192
Pretax return on assets	0.1967%	6,212
Return on Equity (ROE)	1.3854%	6,263
Retained earnings to average equity (ytd only)	1.3854%	5,545
Net charge-offs to loans	0.6221%	1,546
Credit loss provision to net charge-offs	0.0000%	3,998
Earnings coverage of net charge-offs (x)	0.5879%	4,042
Efficiency ratio	92.2832%	931
Assets per employee ($millions)	7.9701%	487
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	1.2503%	5,242
Loan loss allowance to noncurrent loans	54.9869%	4,794
Noncurrent assets plus other real estate owned to assets	1.5826%	3,483
Noncurrent loans to loans	2.2739%	2,831
Net loans and leases to total assets	52.8108%	4,907
Net loans and leases to deposits	60.6049%	5,081
Net loans and leases to core deposits	74.1677%	3,880
Total domestic deposits to total assets	87.1394%	2,870
Equity capital to assets	12.6155%	1,651
Core capital (leverage) ratio	12.4305%	1,369
Tier 1 risk-based capital ratio	24.5182%	949
Total risk-based capital ratio	25.7694%	937
Memoranda:
Average total assets	$591,672,000	1,132
Average earning assets	$579,020,000	1,045
Average equity	$75,358,000	922
Average total loans	$318,270,000	1,331
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9515%	6,546
Cost of funding earning assets	1.1605%	2,280
Net interest margin	2.7910%	6,830
Noninterest income to average assets	0.0736%	6,740
Noninterest expense to average assets	1.6513%	7,081
Loan and lease loss provision to assets	0.1290%	5,001
Net operating income to assets	0.6676%	3,644
Return on assets (ROA)	0.6675%	3,833
Pretax return on assets	1.0215%	3,161
Return on Equity (ROE)	5.1679%	4,310
Retained earnings to average equity (ytd only)	3.2193%	3,928
Net charge-offs to loans	0.2173%	4,432
Credit loss provision to net charge-offs	104.6809%	3,273
Earnings coverage of net charge-offs (x)	9.3376%	2,000
Efficiency ratio	58.9333%	5,910
Assets per employee ($millions)	7.8078%	508
Cash dividends to net income (ytd only)*	37.7062%	2,723
Condition Ratios (%)
Loss allowance to loans	1.4176%	4,383
Loan loss allowance to noncurrent loans	59.4888%	4,537
Noncurrent assets plus other real estate owned to assets	1.7886%	3,268
Noncurrent loans to loans	2.3830%	2,744
Net loans and leases to total assets	53.3432%	5,120
Net loans and leases to deposits	61.3722%	5,328
Net loans and leases to core deposits	75.0769%	4,089
Total domestic deposits to total assets	86.9176%	2,809
Equity capital to assets	12.8599%	1,567
Core capital (leverage) ratio	12.5404%	1,333
Tier 1 risk-based capital ratio	24.7799%	890
Total risk-based capital ratio	26.0333%	880
Memoranda:
Average total assets	$572,112,000	1,151
Average earning assets	$559,259,200	1,061
Average equity	$73,898,200	913
Average total loans	$324,390,200	1,309
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0131%	6,561
Cost of funding earning assets	1.1602%	2,570
Net interest margin	2.8529%	6,823
Noninterest income to average assets	0.0717%	6,873
Noninterest expense to average assets	1.5590%	7,189
Loan and lease loss provision to assets	0.1730%	4,308
Net operating income to assets	0.7490%	3,385
Return on assets (ROA)	0.7490%	3,547
Pretax return on assets	1.1285%	2,903
Return on Equity (ROE)	5.7921%	4,120
Retained earnings to average equity (ytd only)	4.4869%	3,528
Net charge-offs to loans	0.2828%	3,666
Credit loss provision to net charge-offs	106.6474%	3,101
Earnings coverage of net charge-offs (x)	8.0232%	2,254
Efficiency ratio	54.4993%	6,439
Assets per employee ($millions)	7.7806%	518
Cash dividends to net income (ytd only)*	22.5353%	2,820
Condition Ratios (%)
Loss allowance to loans	1.4148%	4,493
Loan loss allowance to noncurrent loans	76.3818%	3,700
Noncurrent assets plus other real estate owned to assets	1.6641%	3,591
Noncurrent loans to loans	1.8523%	3,564
Net loans and leases to total assets	54.5219%	5,087
Net loans and leases to deposits	62.9007%	5,304
Net loans and leases to core deposits	77.4705%	3,979
Total domestic deposits to total assets	86.6794%	2,836
Equity capital to assets	13.1131%	1,555
Core capital (leverage) ratio	12.8101%	1,293
Tier 1 risk-based capital ratio	24.8026%	934
Total risk-based capital ratio	26.0561%	916
Memoranda:
Average total assets	$568,743,250	1,170
Average earning assets	$555,958,750	1,079
Average equity	$73,546,250	925
Average total loans	$326,272,000	1,306
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0417%	6,593
Cost of funding earning assets	1.1594%	2,847
Net interest margin	2.8823%	6,826
Noninterest income to average assets	0.0731%	6,946
Noninterest expense to average assets	1.6045%	7,251
Loan and lease loss provision to assets	0.2239%	3,679
Net operating income to assets	0.6900%	3,593
Return on assets (ROA)	0.6900%	3,712
Pretax return on assets	1.0636%	2,994
Return on Equity (ROE)	5.3611%	4,276
Retained earnings to average equity (ytd only)	3.3857%	4,104
Net charge-offs to loans	-0.0371%	6,973
Credit loss provision to net charge-offs	-1,039.3443%	6,601
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	55.4823%	6,462
Assets per employee ($millions)	7.7199%	505
Cash dividends to net income (ytd only)*	36.8475%	2,212
Condition Ratios (%)
Loss allowance to loans	1.6027%	3,682
Loan loss allowance to noncurrent loans	134.1140%	2,195
Noncurrent assets plus other real estate owned to assets	0.9509%	4,960
Noncurrent loans to loans	1.1950%	4,658
Net loans and leases to total assets	56.1488%	4,971
Net loans and leases to deposits	64.7708%	5,180
Net loans and leases to core deposits	80.0977%	3,773
Total domestic deposits to total assets	86.6885%	2,932
Equity capital to assets	13.1000%	1,470
Core capital (leverage) ratio	12.6416%	1,309
Tier 1 risk-based capital ratio	24.4133%	966
Total risk-based capital ratio	25.6696%	945
Memoranda:
Average total assets	$566,404,000	1,183
Average earning assets	$553,929,330	1,089
Average equity	$72,895,000	934
Average total loans	$328,889,000	1,314
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0269%	6,641
Cost of funding earning assets	1.1454%	3,188
Net interest margin	2.8815%	6,788
Noninterest income to average assets	0.0697%	7,040
Noninterest expense to average assets	1.4927%	7,365
Loan and lease loss provision to assets	0.4466%	1,974
Net operating income to assets	0.5347%	4,331
Return on assets (ROA)	0.5347%	4,419
Pretax return on assets	0.9482%	3,326
Return on Equity (ROE)	4.1917%	4,802
Retained earnings to average equity (ytd only)	4.1917%	3,649
Net charge-offs to loans	-0.0830%	7,032
Credit loss provision to net charge-offs	-918.8406%	6,095
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	51.6955%	6,877
Assets per employee ($millions)	7.6584%	543
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	1.5623%	3,907
Loan loss allowance to noncurrent loans	165.7143%	1,772
Noncurrent assets plus other real estate owned to assets	0.7955%	5,318
Noncurrent loans to loans	0.9428%	5,151
Net loans and leases to total assets	56.6242%	4,886
Net loans and leases to deposits	65.0747%	5,116
Net loans and leases to core deposits	80.9850%	3,604
Total domestic deposits to total assets	87.0140%	2,928
Equity capital to assets	12.6524%	1,550
Core capital (leverage) ratio	12.5998%	1,282
Tier 1 risk-based capital ratio	23.4949%	1,025
Total risk-based capital ratio	24.7507%	1,006
Memoranda:
Average total assets	$567,828,000	1,186
Average earning assets	$555,266,000	1,100
Average equity	$72,429,500	934
Average total loans	$332,541,500	1,321
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5140%	6,359
Cost of funding earning assets	1.2442%	4,252
Net interest margin	3.2698%	6,069
Noninterest income to average assets	0.0986%	6,902
Noninterest expense to average assets	1.6321%	7,386
Loan and lease loss provision to assets	0.7092%	2,314
Net operating income to assets	0.6244%	3,566
Return on assets (ROA)	0.6242%	3,729
Pretax return on assets	0.9535%	3,093
Return on Equity (ROE)	4.7189%	4,193
Retained earnings to average equity (ytd only)	2.8722%	3,844
Net charge-offs to loans	0.9688%	2,239
Credit loss provision to net charge-offs	113.5407%	3,833
Earnings coverage of net charge-offs (x)	2.6622%	3,764
Efficiency ratio	49.5338%	7,162
Assets per employee ($millions)	7.2893%	649
Cash dividends to net income (ytd only)*	39.1343%	2,649
Condition Ratios (%)
Loss allowance to loans	1.3323%	4,841
Loan loss allowance to noncurrent loans	160.3957%	1,864
Noncurrent assets plus other real estate owned to assets	0.7544%	5,497
Noncurrent loans to loans	0.8306%	5,393
Net loans and leases to total assets	58.8345%	4,885
Net loans and leases to deposits	67.7058%	5,141
Net loans and leases to core deposits	85.4221%	3,410
Total domestic deposits to total assets	86.8973%	2,880
Equity capital to assets	12.8611%	1,460
Core capital (leverage) ratio	12.7834%	1,205
Tier 1 risk-based capital ratio	23.0168%	1,034
Total risk-based capital ratio	24.2695%	1,015
Memoranda:
Average total assets	$540,330,600	1,241
Average earning assets	$528,199,000	1,163
Average equity	$71,478,400	945
Average total loans	$348,361,200	1,287
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5996%	6,333
Cost of funding earning assets	1.2634%	4,475
Net interest margin	3.3362%	5,899
Noninterest income to average assets	0.1076%	7,013
Noninterest expense to average assets	1.5962%	7,504
Loan and lease loss provision to assets	0.8841%	1,723
Net operating income to assets	0.5016%	4,308
Return on assets (ROA)	0.5016%	4,497
Pretax return on assets	0.8875%	3,598
Return on Equity (ROE)	3.7642%	4,886
Retained earnings to average equity (ytd only)	2.5300%	4,650
Net charge-offs to loans	1.2587%	1,620
Credit loss provision to net charge-offs	106.8353%	4,002
Earnings coverage of net charge-offs (x)	2.1409%	4,114
Efficiency ratio	47.3957%	7,305
Assets per employee ($millions)	7.3942%	652
Cash dividends to net income (ytd only)*	32.7870%	2,412
Condition Ratios (%)
Loss allowance to loans	1.2183%	5,395
Loan loss allowance to noncurrent loans	198.4514%	1,455
Noncurrent assets plus other real estate owned to assets	0.6465%	5,835
Noncurrent loans to loans	0.6139%	5,975
Net loans and leases to total assets	61.8321%	4,566
Net loans and leases to deposits	71.3097%	4,941
Net loans and leases to core deposits	86.2474%	3,616
Total domestic deposits to total assets	86.7092%	2,691
Equity capital to assets	13.0203%	1,565
Core capital (leverage) ratio	12.7989%	1,300
Tier 1 risk-based capital ratio	22.3081%	1,164
Total risk-based capital ratio	23.5593%	1,129
Memoranda:
Average total assets	$535,094,750	1,267
Average earning assets	$522,904,000	1,186
Average equity	$71,301,500	945
Average total loans	$351,781,000	1,289
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6508%	6,312
Cost of funding earning assets	1.2940%	4,576
Net interest margin	3.3568%	5,812
Noninterest income to average assets	0.1071%	7,065
Noninterest expense to average assets	1.5369%	7,601
Loan and lease loss provision to assets	0.3689%	3,495
Net operating income to assets	0.9304%	2,436
Return on assets (ROA)	0.9304%	2,531
Pretax return on assets	1.4805%	1,610
Return on Equity (ROE)	6.9268%	3,338
Retained earnings to average equity (ytd only)	5.0676%	2,868
Net charge-offs to loans	0.6566%	2,577
Credit loss provision to net charge-offs	84.0517%	4,587
Earnings coverage of net charge-offs (x)	4.2138%	3,019
Efficiency ratio	45.3855%	7,465
Assets per employee ($millions)	7.0128%	764
Cash dividends to net income (ytd only)*	26.8402%	2,630
Condition Ratios (%)
Loss allowance to loans	1.0628%	6,121
Loan loss allowance to noncurrent loans	79.8202%	3,394
Noncurrent assets plus other real estate owned to assets	1.1835%	4,771
Noncurrent loans to loans	1.3315%	4,726
Net loans and leases to total assets	65.8011%	3,871
Net loans and leases to deposits	76.1748%	4,303
Net loans and leases to core deposits	90.6678%	3,168
Total domestic deposits to total assets	86.3817%	2,880
Equity capital to assets	13.3710%	1,401
Core capital (leverage) ratio	12.9860%	1,216
Tier 1 risk-based capital ratio	22.0072%	1,200
Total risk-based capital ratio	23.2057%	1,184
Memoranda:
Average total assets	$528,604,330	1,286
Average earning assets	$516,382,670	1,200
Average equity	$71,000,000	939
Average total loans	$353,331,670	1,302
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6608%	6,373
Cost of funding earning assets	1.3341%	4,603
Net interest margin	3.3267%	5,879
Noninterest income to average assets	0.1293%	7,039
Noninterest expense to average assets	1.5681%	7,677
Loan and lease loss provision to assets	0.2838%	3,758
Net operating income to assets	1.0005%	2,185
Return on assets (ROA)	1.0005%	2,253
Pretax return on assets	1.5276%	1,447
Return on Equity (ROE)	7.4319%	3,147
Retained earnings to average equity (ytd only)	7.4319%	1,959
Net charge-offs to loans	1.8503%	934
Credit loss provision to net charge-offs	22.8871%	4,915
Earnings coverage of net charge-offs (x)	1.4608%	3,867
Efficiency ratio	46.4011%	7,530
Assets per employee ($millions)	7.1609%	767
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	0.7810%	7,172
Loan loss allowance to noncurrent loans	54.0047%	4,715
Noncurrent assets plus other real estate owned to assets	1.3114%	4,569
Noncurrent loans to loans	1.4461%	4,571
Net loans and leases to total assets	65.9537%	3,859
Net loans and leases to deposits	76.4820%	4,323
Net loans and leases to core deposits	92.0851%	3,095
Total domestic deposits to total assets	86.2343%	3,018
Equity capital to assets	13.4147%	1,356
Core capital (leverage) ratio	13.3567%	1,114
Tier 1 risk-based capital ratio	22.3108%	1,160
Total risk-based capital ratio	23.1928%	1,191
Memoranda:
Average total assets	$522,912,500	1,333
Average earning assets	$510,899,000	1,245
Average equity	$70,399,000	948
Average total loans	$350,430,000	1,349
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8461%	6,847
Cost of funding earning assets	1.8233%	3,867
Net interest margin	3.0228%	6,589
Noninterest income to average assets	0.0882%	7,320
Noninterest expense to average assets	1.9356%	7,448
Loan and lease loss provision to assets	0.6203%	3,321
Net operating income to assets	0.3258%	4,428
Return on assets (ROA)	0.3253%	4,517
Pretax return on assets	0.4815%	4,247
Return on Equity (ROE)	2.3697%	4,756
Retained earnings to average equity (ytd only)	0.4271%	4,670
Net charge-offs to loans	0.4198%	4,120
Credit loss provision to net charge-offs	221.4136%	1,706
Earnings coverage of net charge-offs (x)	3.9356%	3,133
Efficiency ratio	63.7091%	5,827
Assets per employee ($millions)	6.7884%	870
Cash dividends to net income (ytd only)*	81.9771%	1,114
Condition Ratios (%)
Loss allowance to loans	1.1480%	5,648
Loan loss allowance to noncurrent loans	35.9666%	6,036
Noncurrent assets plus other real estate owned to assets	2.2837%	3,026
Noncurrent loans to loans	3.1918%	2,393
Net loans and leases to total assets	66.7963%	3,971
Net loans and leases to deposits	77.4743%	4,477
Net loans and leases to core deposits	124.3503%	1,616
Total domestic deposits to total assets	86.2173%	2,902
Equity capital to assets	13.5123%	1,317
Core capital (leverage) ratio	13.0498%	1,237
Tier 1 risk-based capital ratio	21.9779%	1,153
Total risk-based capital ratio	23.2283%	1,136
Memoranda:
Average total assets	$510,063,600	1,348
Average earning assets	$497,781,000	1,265
Average equity	$70,009,200	930
Average total loans	$340,372,600	1,423
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8868%	6,915
Cost of funding earning assets	1.9167%	3,787
Net interest margin	2.9701%	6,685
Noninterest income to average assets	0.0938%	7,436
Noninterest expense to average assets	1.8752%	7,574
Loan and lease loss provision to assets	0.5411%	3,227
Net operating income to assets	0.3616%	4,549
Return on assets (ROA)	0.3612%	4,651
Pretax return on assets	0.5746%	4,282
Return on Equity (ROE)	2.6216%	4,942
Retained earnings to average equity (ytd only)	1.2899%	4,604
Net charge-offs to loans	0.5009%	3,222
Credit loss provision to net charge-offs	162.3918%	2,906
Earnings coverage of net charge-offs (x)	3.3501%	3,563
Efficiency ratio	62.6851%	5,982
Assets per employee ($millions)	6.8359%	847
Cash dividends to net income (ytd only)*	50.7982%	1,964
Condition Ratios (%)
Loss allowance to loans	0.8850%	6,824
Loan loss allowance to noncurrent loans	48.2955%	5,096
Noncurrent assets plus other real estate owned to assets	1.3361%	4,417
Noncurrent loans to loans	1.8325%	3,869
Net loans and leases to total assets	65.1069%	4,626
Net loans and leases to deposits	75.4642%	5,132
Net loans and leases to core deposits	118.7221%	2,354
Total domestic deposits to total assets	86.2752%	2,557
Equity capital to assets	13.3963%	1,536
Core capital (leverage) ratio	13.3473%	1,281
Tier 1 risk-based capital ratio	22.1372%	1,210
Total risk-based capital ratio	23.1238%	1,214
Memoranda:
Average total assets	$508,600,750	1,375
Average earning assets	$496,176,500	1,284
Average equity	$70,083,500	945
Average total loans	$338,312,250	1,442
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9228%	6,981
Cost of funding earning assets	2.0493%	3,523
Net interest margin	2.8735%	6,861
Noninterest income to average assets	0.0712%	7,629
Noninterest expense to average assets	1.7271%	7,807
Loan and lease loss provision to assets	0.3191%	4,032
Net operating income to assets	0.5142%	4,036
Return on assets (ROA)	0.5136%	4,155
Pretax return on assets	0.8220%	3,598
Return on Equity (ROE)	3.6917%	4,624
Retained earnings to average equity (ytd only)	1.6900%	4,400
Net charge-offs to loans	0.0351%	5,972
Credit loss provision to net charge-offs	1,359.3220%	371
Earnings coverage of net charge-offs (x)	48.6441%	695
Efficiency ratio	60.1997%	6,519
Assets per employee ($millions)	6.4673%	979
Cash dividends to net income (ytd only)*	54.2215%	1,886
Condition Ratios (%)
Loss allowance to loans	0.8808%	6,849
Loan loss allowance to noncurrent loans	36.3307%	6,000
Noncurrent assets plus other real estate owned to assets	1.7936%	3,488
Noncurrent loans to loans	2.4244%	2,987
Net loans and leases to total assets	66.2973%	4,510
Net loans and leases to deposits	77.1979%	4,995
Net loans and leases to core deposits	122.2042%	2,194
Total domestic deposits to total assets	85.8796%	2,848
Equity capital to assets	13.6808%	1,428
Core capital (leverage) ratio	13.5059%	1,270
Tier 1 risk-based capital ratio	22.3651%	1,203
Total risk-based capital ratio	23.3467%	1,209
Memoranda:
Average total assets	$502,678,330	1,412
Average earning assets	$489,440,670	1,324
Average equity	$69,940,000	954
Average total loans	$335,829,000	1,483
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9592%	7,036
Cost of funding earning assets	2.1664%	3,338
Net interest margin	2.7928%	7,007
Noninterest income to average assets	0.0682%	7,723
Noninterest expense to average assets	1.6134%	7,901
Loan and lease loss provision to assets	0.5319%	2,342
Net operating income to assets	0.3153%	5,240
Return on assets (ROA)	0.3153%	5,412
Pretax return on assets	0.6306%	4,653
Return on Equity (ROE)	2.2470%	5,686
Retained earnings to average equity (ytd only)	2.2470%	4,625
Net charge-offs to loans	0.0985%	4,189
Credit loss provision to net charge-offs	808.5366%	739
Earnings coverage of net charge-offs (x)	17.6707%	1,499
Efficiency ratio	58.1214%	6,687
Assets per employee ($millions)	6.4536%	984
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	0.8610%	6,910
Loan loss allowance to noncurrent loans	44.0885%	5,585
Noncurrent assets plus other real estate owned to assets	1.4109%	3,827
Noncurrent loans to loans	1.9529%	3,335
Net loans and leases to total assets	65.1677%	4,780
Net loans and leases to deposits	76.1218%	5,207
Net loans and leases to core deposits	119.1121%	2,497
Total domestic deposits to total assets	85.6098%	2,918
Equity capital to assets	13.9107%	1,386
Core capital (leverage) ratio	13.7367%	1,255
Tier 1 risk-based capital ratio	23.1191%	1,178
Total risk-based capital ratio	24.0824%	1,183
Memoranda:
Average total assets	$498,560,500	1,422
Average earning assets	$483,380,000	1,341
Average equity	$69,961,500	965
Average total loans	$332,877,500	1,510
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6597%	6,903
Cost of funding earning assets	2.5187%	4,097
Net interest margin	3.1410%	6,542
Noninterest income to average assets	0.0758%	7,759
Noninterest expense to average assets	1.7579%	7,806
Loan and lease loss provision to assets	-0.2332%	8,276
Net operating income to assets	1.0016%	2,553
Return on assets (ROA)	1.0016%	2,431
Pretax return on assets	1.5504%	1,537
Return on Equity (ROE)	7.2242%	3,419
Retained earnings to average equity (ytd only)	5.1906%	1,913
Net charge-offs to loans	-0.0016%	7,733
Credit loss provision to net charge-offs	22,760.0000%	25
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	57.1667%	6,840
Assets per employee ($millions)	6.3300%	973
Cash dividends to net income (ytd only)*	28.1506%	4,180
Condition Ratios (%)
Loss allowance to loans	0.6770%	7,486
Loan loss allowance to noncurrent loans	47.8169%	5,622
Noncurrent assets plus other real estate owned to assets	0.9602%	4,430
Noncurrent loans to loans	1.4158%	3,685
Net loans and leases to total assets	67.3629%	4,574
Net loans and leases to deposits	78.9701%	5,202
Net loans and leases to core deposits	124.9633%	2,252
Total domestic deposits to total assets	85.3017%	2,704
Equity capital to assets	14.1571%	1,386
Core capital (leverage) ratio	13.7070%	1,329
Tier 1 risk-based capital ratio	23.0248%	1,188
Total risk-based capital ratio	23.7926%	1,222
Memoranda:
Average total assets	$488,014,200	1,403
Average earning assets	$465,996,600	1,338
Average equity	$67,661,400	989
Average total loans	$320,841,200	1,509