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Quail Creek Bank, Performance and Condition Ratios

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2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7274%	902
Cost of funding earning assets	1.5285%	1,870
Net interest margin	4.1989%	935
Noninterest income to average assets	0.2300%	3,570
Noninterest expense to average assets	2.3312%	2,769
Loan and lease loss provision to assets	0.0400%	2,313
Net operating income to assets	1.9215%	518
Return on assets (ROA)	1.8390%	562
Pretax return on assets	1.8990%	776
Return on Equity (ROE)	20.3700%	581
Retained earnings to average equity (ytd only)	2.9573%	3,289
Net charge-offs to loans	0.0011%	2,831
Credit loss provision to net charge-offs	5,000.0000%	107
Earnings coverage of net charge-offs (x)	2,612.3333%	53
Efficiency ratio	53.5420%	3,707
Assets per employee ($millions)	9.0018%	983
Cash dividends to net income (ytd only)*	85.4807%	461
Condition Ratios (%)
Loss allowance to loans	1.0943%	2,868
Loan loss allowance to noncurrent loans	359.0274%	1,807
Noncurrent assets plus other real estate owned to assets	0.2284%	2,080
Noncurrent loans to loans	0.3048%	2,093
Net loans and leases to total assets	74.1300%	1,344
Net loans and leases to deposits	82.3074%	1,921
Net loans and leases to core deposits	103.0933%	1,271
Total domestic deposits to total assets	90.0600%	740
Equity capital to assets	9.4873%	2,353
Core capital (leverage) ratio	9.9036%	2,869
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.1858%	1,481
Memoranda:
Average total assets	$774,871,200	1,208
Average earning assets	$760,220,200	1,155
Average equity	$69,962,800	1,249
Average total loans	$556,733,200	1,141
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5597%	950
Cost of funding earning assets	1.4219%	1,806
Net interest margin	4.1378%	1,006
Noninterest income to average assets	0.2400%	3,510
Noninterest expense to average assets	2.3243%	2,717
Loan and lease loss provision to assets	0.0500%	1,947
Net operating income to assets	1.8773%	579
Return on assets (ROA)	1.8266%	626
Pretax return on assets	1.8745%	895
Return on Equity (ROE)	20.4900%	677
Retained earnings to average equity (ytd only)	-3.0855%	4,367
Net charge-offs to loans	0.0012%	2,570
Credit loss provision to net charge-offs	6,000.0000%	90
Earnings coverage of net charge-offs (x)	2,293.6000%	60
Efficiency ratio	54.0176%	3,588
Assets per employee ($millions)	8.7965%	1,006
Cash dividends to net income (ytd only)*	115.0562%	146
Condition Ratios (%)
Loss allowance to loans	1.1186%	2,771
Loan loss allowance to noncurrent loans	504.6347%	1,451
Noncurrent assets plus other real estate owned to assets	0.1663%	2,474
Noncurrent loans to loans	0.2217%	2,466
Net loans and leases to total assets	74.2000%	1,319
Net loans and leases to deposits	81.7418%	1,922
Net loans and leases to core deposits	99.1123%	1,370
Total domestic deposits to total assets	90.7800%	724
Equity capital to assets	8.8237%	2,522
Core capital (leverage) ratio	9.5573%	3,245
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.8005%	1,629
Memoranda:
Average total assets	$772,800,500	1,208
Average earning assets	$758,772,750	1,158
Average equity	$68,878,500	1,257
Average total loans	$549,175,250	1,149
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3720%	990
Cost of funding earning assets	1.3245%	1,646
Net interest margin	4.0475%	1,156
Noninterest income to average assets	0.2500%	3,420
Noninterest expense to average assets	2.2894%	2,841
Loan and lease loss provision to assets	0.0800%	1,369
Net operating income to assets	1.8024%	656
Return on assets (ROA)	1.7266%	750
Pretax return on assets	1.7807%	1,047
Return on Equity (ROE)	19.3100%	791
Retained earnings to average equity (ytd only)	-7.2755%	4,472
Net charge-offs to loans	0.0030%	2,234
Credit loss provision to net charge-offs	3,750.0000%	143
Earnings coverage of net charge-offs (x)	938.2500%	159
Efficiency ratio	54.1786%	3,593
Assets per employee ($millions)	8.7525%	981
Cash dividends to net income (ytd only)*	137.6812%	138
Condition Ratios (%)
Loss allowance to loans	1.1283%	2,803
Loan loss allowance to noncurrent loans	494.3033%	1,567
Noncurrent assets plus other real estate owned to assets	0.1706%	2,358
Noncurrent loans to loans	0.2283%	2,350
Net loans and leases to total assets	73.8900%	1,309
Net loans and leases to deposits	81.3851%	1,880
Net loans and leases to core deposits	97.2420%	1,398
Total domestic deposits to total assets	90.7900%	706
Equity capital to assets	8.8946%	2,592
Core capital (leverage) ratio	9.4031%	3,357
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.5859%	1,704
Memoranda:
Average total assets	$775,303,333	1,204
Average earning assets	$760,911,667	1,154
Average equity	$69,329,000	1,249
Average total loans	$540,805,333	1,153
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1727%	991
Cost of funding earning assets	1.1880%	1,484
Net interest margin	3.9847%	1,290
Noninterest income to average assets	0.2600%	3,365
Noninterest expense to average assets	2.1334%	3,293
Loan and lease loss provision to assets	0.0000%	2,553
Net operating income to assets	1.9294%	549
Return on assets (ROA)	1.9294%	542
Pretax return on assets	2.0368%	724
Return on Equity (ROE)	21.5200%	622
Retained earnings to average equity (ytd only)	4.4661%	3,137
Net charge-offs to loans	0.0084%	1,630
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	362.0909%	311
Efficiency ratio	51.1588%	3,841
Assets per employee ($millions)	9.2464%	857
Cash dividends to net income (ytd only)*	79.2473%	648
Condition Ratios (%)
Loss allowance to loans	1.1384%	2,864
Loan loss allowance to noncurrent loans	462.0846%	1,720
Noncurrent assets plus other real estate owned to assets	0.1685%	2,328
Noncurrent loans to loans	0.2464%	2,265
Net loans and leases to total assets	67.6000%	1,885
Net loans and leases to deposits	74.4803%	2,258
Net loans and leases to core deposits	86.9294%	1,806
Total domestic deposits to total assets	90.7600%	884
Equity capital to assets	8.9733%	2,546
Core capital (leverage) ratio	9.5834%	3,116
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.6569%	1,450
Memoranda:
Average total assets	$782,220,000	1,216
Average earning assets	$767,339,000	1,158
Average equity	$70,128,500	1,246
Average total loans	$526,669,000	1,184
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8551%	2,114
Cost of funding earning assets	0.2920%	2,949
Net interest margin	3.5631%	1,749
Noninterest income to average assets	0.2700%	3,524
Noninterest expense to average assets	1.9805%	3,632
Loan and lease loss provision to assets	0.0500%	1,921
Net operating income to assets	1.6746%	568
Return on assets (ROA)	1.6579%	567
Pretax return on assets	1.7294%	861
Return on Equity (ROE)	19.3600%	534
Retained earnings to average equity (ytd only)	2.5305%	3,847
Net charge-offs to loans	0.1416%	575
Credit loss provision to net charge-offs	55.6328%	1,799
Earnings coverage of net charge-offs (x)	20.4033%	1,882
Efficiency ratio	52.4473%	3,941
Assets per employee ($millions)	9.1588%	865
Cash dividends to net income (ytd only)*	86.9315%	336
Condition Ratios (%)
Loss allowance to loans	1.1880%	2,448
Loan loss allowance to noncurrent loans	452.3247%	1,720
Noncurrent assets plus other real estate owned to assets	0.1741%	2,326
Noncurrent loans to loans	0.2626%	2,215
Net loans and leases to total assets	65.4800%	2,092
Net loans and leases to deposits	72.1661%	2,392
Net loans and leases to core deposits	76.5266%	2,385
Total domestic deposits to total assets	90.7400%	1,046
Equity capital to assets	8.9572%	2,384
Core capital (leverage) ratio	9.4406%	3,207
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.0444%	1,360
Memoranda:
Average total assets	$816,945,000	1,164
Average earning assets	$802,953,600	1,110
Average equity	$69,947,000	1,250
Average total loans	$507,733,400	1,167
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5698%	2,421
Cost of funding earning assets	0.1681%	3,648
Net interest margin	3.4017%	1,974
Noninterest income to average assets	0.2900%	3,445
Noninterest expense to average assets	1.9278%	3,682
Loan and lease loss provision to assets	0.0600%	1,588
Net operating income to assets	1.5724%	699
Return on assets (ROA)	1.5724%	678
Pretax return on assets	1.6397%	1,027
Return on Equity (ROE)	18.5700%	570
Retained earnings to average equity (ytd only)	-3.8589%	4,571
Net charge-offs to loans	0.1912%	348
Credit loss provision to net charge-offs	55.1724%	1,510
Earnings coverage of net charge-offs (x)	14.5724%	1,859
Efficiency ratio	53.0778%	3,910
Assets per employee ($millions)	9.4890%	765
Cash dividends to net income (ytd only)*	120.7838%	140
Condition Ratios (%)
Loss allowance to loans	1.2056%	2,498
Loan loss allowance to noncurrent loans	443.3744%	1,714
Noncurrent assets plus other real estate owned to assets	0.1733%	2,419
Noncurrent loans to loans	0.2719%	2,285
Net loans and leases to total assets	62.9500%	2,198
Net loans and leases to deposits	68.6269%	2,489
Net loans and leases to core deposits	72.3607%	2,460
Total domestic deposits to total assets	91.7200%	966
Equity capital to assets	8.0196%	2,877
Core capital (leverage) ratio	8.5534%	4,012
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.7610%	1,489
Memoranda:
Average total assets	$826,556,750	1,167
Average earning assets	$812,948,000	1,102
Average equity	$70,000,750	1,264
Average total loans	$505,689,000	1,168
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3141%	2,694
Cost of funding earning assets	0.1134%	4,036
Net interest margin	3.2006%	2,184
Noninterest income to average assets	0.2795%	3,495
Noninterest expense to average assets	1.8683%	3,783
Loan and lease loss provision to assets	0.0598%	1,522
Net operating income to assets	1.4434%	809
Return on assets (ROA)	1.4434%	791
Pretax return on assets	1.5031%	1,157
Return on Equity (ROE)	16.7604%	594
Retained earnings to average equity (ytd only)	-6.1199%	4,575
Net charge-offs to loans	0.2915%	240
Credit loss provision to net charge-offs	33.9674%	1,553
Earnings coverage of net charge-offs (x)	8.8804%	1,812
Efficiency ratio	54.4498%	3,922
Assets per employee ($millions)	9.7258%	716
Cash dividends to net income (ytd only)*	136.5142%	175
Condition Ratios (%)
Loss allowance to loans	1.1731%	2,828
Loan loss allowance to noncurrent loans	423.1370%	1,725
Noncurrent assets plus other real estate owned to assets	0.1704%	2,507
Noncurrent loans to loans	0.2772%	2,357
Net loans and leases to total assets	60.7581%	2,242
Net loans and leases to deposits	66.1765%	2,535
Net loans and leases to core deposits	69.5318%	2,520
Total domestic deposits to total assets	91.8122%	923
Equity capital to assets	7.9931%	3,133
Core capital (leverage) ratio	8.4542%	3,991
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.7927%	1,485
Memoranda:
Average total assets	$836,384,000	1,153
Average earning assets	$823,583,000	1,087
Average equity	$72,027,000	1,265
Average total loans	$504,964,667	1,162
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1788%	2,753
Cost of funding earning assets	0.1096%	4,023
Net interest margin	3.0692%	2,272
Noninterest income to average assets	0.2729%	3,502
Noninterest expense to average assets	1.8150%	3,905
Loan and lease loss provision to assets	0.0475%	1,518
Net operating income to assets	1.3918%	817
Return on assets (ROA)	1.3918%	814
Pretax return on assets	1.4341%	1,167
Return on Equity (ROE)	15.6105%	571
Retained earnings to average equity (ytd only)	1.3973%	3,723
Net charge-offs to loans	0.4212%	163
Credit loss provision to net charge-offs	18.8679%	1,294
Earnings coverage of net charge-offs (x)	5.8792%	1,587
Efficiency ratio	55.0555%	3,970
Assets per employee ($millions)	10.0022%	678
Cash dividends to net income (ytd only)*	91.0489%	592
Condition Ratios (%)
Loss allowance to loans	1.1976%	2,876
Loan loss allowance to noncurrent loans	150.4124%	2,968
Noncurrent assets plus other real estate owned to assets	0.4762%	1,278
Noncurrent loans to loans	0.7962%	1,191
Net loans and leases to total assets	59.0917%	2,182
Net loans and leases to deposits	64.8412%	2,451
Net loans and leases to core deposits	68.0949%	2,450
Total domestic deposits to total assets	91.1328%	965
Equity capital to assets	8.6966%	2,975
Core capital (leverage) ratio	8.6799%	3,685
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.7006%	1,338
Memoranda:
Average total assets	$841,228,000	1,146
Average earning assets	$828,750,000	1,084
Average equity	$75,001,000	1,257
Average total loans	$503,323,500	1,155
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3743%	2,993
Cost of funding earning assets	0.2196%	3,261
Net interest margin	3.1547%	2,724
Noninterest income to average assets	0.2820%	3,706
Noninterest expense to average assets	1.8229%	4,101
Loan and lease loss provision to assets	0.0669%	1,732
Net operating income to assets	1.4143%	1,234
Return on assets (ROA)	1.4143%	1,295
Pretax return on assets	1.4925%	1,752
Return on Equity (ROE)	15.2857%	887
Retained earnings to average equity (ytd only)	0.9235%	4,274
Net charge-offs to loans	0.1267%	720
Credit loss provision to net charge-offs	86.3422%	1,910
Earnings coverage of net charge-offs (x)	20.1115%	1,862
Efficiency ratio	53.8957%	3,941
Assets per employee ($millions)	10.0270%	659
Cash dividends to net income (ytd only)*	93.9582%	284
Condition Ratios (%)
Loss allowance to loans	1.2790%	2,457
Loan loss allowance to noncurrent loans	76.0108%	3,641
Noncurrent assets plus other real estate owned to assets	1.0072%	552
Noncurrent loans to loans	1.6826%	509
Net loans and leases to total assets	59.0905%	2,261
Net loans and leases to deposits	65.2222%	2,578
Net loans and leases to core deposits	68.3880%	2,613
Total domestic deposits to total assets	90.5987%	672
Equity capital to assets	9.1341%	3,478
Core capital (leverage) ratio	8.6926%	3,729
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.6028%	1,361
Memoranda:
Average total assets	$821,527,400	1,131
Average earning assets	$807,359,800	1,076
Average equity	$76,012,000	1,262
Average total loans	$502,721,600	1,160
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4343%	3,001
Cost of funding earning assets	0.2484%	3,143
Net interest margin	3.1859%	2,771
Noninterest income to average assets	0.2959%	3,676
Noninterest expense to average assets	1.8105%	4,142
Loan and lease loss provision to assets	0.0245%	2,506
Net operating income to assets	1.5093%	1,248
Return on assets (ROA)	1.5093%	1,299
Pretax return on assets	1.5901%	1,739
Return on Equity (ROE)	16.2586%	895
Retained earnings to average equity (ytd only)	-2.9488%	4,744
Net charge-offs to loans	-0.0066%	3,519
Credit loss provision to net charge-offs	-600.0000%	3,706
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	52.8587%	3,935
Assets per employee ($millions)	9.7571%	692
Cash dividends to net income (ytd only)*	118.1366%	99
Condition Ratios (%)
Loss allowance to loans	1.3627%	2,169
Loan loss allowance to noncurrent loans	73.9638%	3,693
Noncurrent assets plus other real estate owned to assets	1.0939%	579
Noncurrent loans to loans	1.8424%	514
Net loans and leases to total assets	58.5625%	2,418
Net loans and leases to deposits	64.5773%	2,783
Net loans and leases to core deposits	68.3232%	2,751
Total domestic deposits to total assets	90.6859%	478
Equity capital to assets	9.0305%	3,804
Core capital (leverage) ratio	8.4046%	4,119
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.5217%	1,474
Memoranda:
Average total assets	$816,342,250	1,142
Average earning assets	$801,804,500	1,095
Average equity	$75,781,500	1,282
Average total loans	$502,365,000	1,176
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4925%	2,913
Cost of funding earning assets	0.2851%	2,920
Net interest margin	3.2074%	2,731
Noninterest income to average assets	0.3039%	3,614
Noninterest expense to average assets	1.8032%	4,175
Loan and lease loss provision to assets	0.0369%	2,253
Net operating income to assets	1.5259%	1,229
Return on assets (ROA)	1.5259%	1,294
Pretax return on assets	1.6116%	1,704
Return on Equity (ROE)	16.2861%	900
Retained earnings to average equity (ytd only)	-4.5244%	4,777
Net charge-offs to loans	-0.0095%	3,647
Credit loss provision to net charge-offs	-625.0000%	3,536
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	52.2406%	4,019
Assets per employee ($millions)	10.0479%	597
Cash dividends to net income (ytd only)*	127.7805%	140
Condition Ratios (%)
Loss allowance to loans	1.3308%	2,284
Loan loss allowance to noncurrent loans	82.0572%	3,561
Noncurrent assets plus other real estate owned to assets	0.9804%	775
Noncurrent loans to loans	1.6219%	674
Net loans and leases to total assets	59.6429%	2,467
Net loans and leases to deposits	65.7240%	2,849
Net loans and leases to core deposits	69.9413%	2,790
Total domestic deposits to total assets	90.7475%	465
Equity capital to assets	9.0066%	3,790
Core capital (leverage) ratio	8.3726%	4,107
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.9753%	1,640
Memoranda:
Average total assets	$812,005,333	1,140
Average earning assets	$796,910,667	1,095
Average equity	$76,077,000	1,269
Average total loans	$505,686,667	1,173
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5790%	2,709
Cost of funding earning assets	0.3214%	2,784
Net interest margin	3.2576%	2,524
Noninterest income to average assets	0.2911%	3,669
Noninterest expense to average assets	1.7737%	4,258
Loan and lease loss provision to assets	0.0749%	1,690
Net operating income to assets	1.5365%	1,249
Return on assets (ROA)	1.5365%	1,313
Pretax return on assets	1.6364%	1,631
Return on Equity (ROE)	16.0765%	999
Retained earnings to average equity (ytd only)	5.3449%	3,111
Net charge-offs to loans	0.0000%	1,930
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	50.8955%	4,107
Assets per employee ($millions)	9.9441%	606
Cash dividends to net income (ytd only)*	66.7533%	771
Condition Ratios (%)
Loss allowance to loans	1.3235%	2,328
Loan loss allowance to noncurrent loans	80.6296%	3,585
Noncurrent assets plus other real estate owned to assets	0.9926%	834
Noncurrent loans to loans	1.6415%	737
Net loans and leases to total assets	59.6690%	2,581
Net loans and leases to deposits	65.8701%	2,929
Net loans and leases to core deposits	71.5432%	2,739
Total domestic deposits to total assets	90.5858%	548
Equity capital to assets	9.1718%	3,518
Core capital (leverage) ratio	9.1561%	3,444
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.6062%	1,405
Memoranda:
Average total assets	$801,021,500	1,141
Average earning assets	$785,370,000	1,097
Average equity	$76,559,000	1,254
Average total loans	$506,472,500	1,172
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1284%	2,340
Cost of funding earning assets	0.5776%	2,465
Net interest margin	3.5509%	2,307
Noninterest income to average assets	0.2655%	3,890
Noninterest expense to average assets	1.8851%	4,344
Loan and lease loss provision to assets	0.1738%	2,216
Net operating income to assets	1.6215%	615
Return on assets (ROA)	1.6194%	666
Pretax return on assets	1.6847%	879
Return on Equity (ROE)	16.5869%	447
Retained earnings to average equity (ytd only)	7.3431%	1,263
Net charge-offs to loans	0.1145%	1,334
Credit loss provision to net charge-offs	217.2061%	2,085
Earnings coverage of net charge-offs (x)	23.2487%	1,813
Efficiency ratio	50.3258%	4,509
Assets per employee ($millions)	9.1279%	709
Cash dividends to net income (ytd only)*	55.7296%	1,551
Condition Ratios (%)
Loss allowance to loans	1.2868%	2,480
Loan loss allowance to noncurrent loans	65.5138%	3,803
Noncurrent assets plus other real estate owned to assets	1.3010%	620
Noncurrent loans to loans	1.9642%	596
Net loans and leases to total assets	65.3817%	2,173
Net loans and leases to deposits	72.9277%	2,594
Net loans and leases to core deposits	80.2844%	2,338
Total domestic deposits to total assets	89.6528%	697
Equity capital to assets	9.9781%	3,152
Core capital (leverage) ratio	9.4661%	3,150
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.4517%	1,413
Memoranda:
Average total assets	$733,421,800	1,130
Average earning assets	$718,868,600	1,077
Average equity	$71,604,600	1,274
Average total loans	$512,598,800	1,115
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2322%	2,301
Cost of funding earning assets	0.6442%	2,361
Net interest margin	3.5879%	2,315
Noninterest income to average assets	0.2582%	3,936
Noninterest expense to average assets	1.8956%	4,335
Loan and lease loss provision to assets	0.1425%	2,596
Net operating income to assets	1.6690%	623
Return on assets (ROA)	1.6661%	694
Pretax return on assets	1.7318%	904
Return on Equity (ROE)	17.1656%	430
Retained earnings to average equity (ytd only)	4.6262%	2,728
Net charge-offs to loans	0.1375%	1,057
Credit loss provision to net charge-offs	146.2264%	2,347
Earnings coverage of net charge-offs (x)	19.2623%	1,940
Efficiency ratio	50.2437%	4,475
Assets per employee ($millions)	9.0515%	684
Cash dividends to net income (ytd only)*	73.0493%	747
Condition Ratios (%)
Loss allowance to loans	1.1899%	2,720
Loan loss allowance to noncurrent loans	70.2410%	3,730
Noncurrent assets plus other real estate owned to assets	1.2077%	825
Noncurrent loans to loans	1.6940%	810
Net loans and leases to total assets	67.3380%	2,343
Net loans and leases to deposits	74.9045%	2,863
Net loans and leases to core deposits	82.5331%	2,619
Total domestic deposits to total assets	89.8985%	459
Equity capital to assets	9.7132%	3,506
Core capital (leverage) ratio	9.1785%	3,573
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.5913%	1,624
Memoranda:
Average total assets	$725,092,250	1,124
Average earning assets	$710,289,000	1,076
Average equity	$70,379,250	1,275
Average total loans	$513,787,750	1,104
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3309%	2,393
Cost of funding earning assets	0.7253%	2,265
Net interest margin	3.6056%	2,466
Noninterest income to average assets	0.2613%	3,907
Noninterest expense to average assets	1.9258%	4,373
Loan and lease loss provision to assets	0.1326%	2,690
Net operating income to assets	1.6684%	654
Return on assets (ROA)	1.6684%	714
Pretax return on assets	1.7338%	924
Return on Equity (ROE)	17.1935%	428
Retained earnings to average equity (ytd only)	6.1109%	2,026
Net charge-offs to loans	0.1571%	940
Credit loss provision to net charge-offs	117.5743%	2,301
Earnings coverage of net charge-offs (x)	16.5470%	1,854
Efficiency ratio	50.7841%	4,460
Assets per employee ($millions)	8.9238%	694
Cash dividends to net income (ytd only)*	64.4578%	1,102
Condition Ratios (%)
Loss allowance to loans	1.1549%	2,758
Loan loss allowance to noncurrent loans	58.8446%	3,918
Noncurrent assets plus other real estate owned to assets	1.3950%	701
Noncurrent loans to loans	1.9626%	697
Net loans and leases to total assets	67.5708%	2,426
Net loans and leases to deposits	75.0668%	2,966
Net loans and leases to core deposits	82.9456%	2,699
Total domestic deposits to total assets	90.0142%	397
Equity capital to assets	9.6232%	3,549
Core capital (leverage) ratio	9.4716%	3,381
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.2501%	1,713
Memoranda:
Average total assets	$716,365,000	1,121
Average earning assets	$701,523,667	1,073
Average equity	$69,514,667	1,279
Average total loans	$514,388,667	1,095
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5683%	2,104
Cost of funding earning assets	0.8295%	2,226
Net interest margin	3.7388%	2,184
Noninterest income to average assets	0.2298%	4,173
Noninterest expense to average assets	1.9704%	4,457
Loan and lease loss provision to assets	0.1286%	2,105
Net operating income to assets	1.7280%	481
Return on assets (ROA)	1.7280%	533
Pretax return on assets	1.7921%	712
Return on Equity (ROE)	17.7290%	292
Retained earnings to average equity (ytd only)	5.2020%	2,194
Net charge-offs to loans	0.1506%	856
Credit loss provision to net charge-offs	115.9794%	1,720
Earnings coverage of net charge-offs (x)	17.3196%	1,499
Efficiency ratio	50.6390%	4,627
Assets per employee ($millions)	8.4276%	639
Cash dividends to net income (ytd only)*	70.6583%	1,186
Condition Ratios (%)
Loss allowance to loans	1.1345%	3,018
Loan loss allowance to noncurrent loans	81.9119%	3,529
Noncurrent assets plus other real estate owned to assets	1.0137%	1,298
Noncurrent loans to loans	1.3850%	1,158
Net loans and leases to total assets	72.3593%	1,864
Net loans and leases to deposits	80.4808%	2,631
Net loans and leases to core deposits	90.1403%	2,329
Total domestic deposits to total assets	89.9088%	350
Equity capital to assets	9.6818%	4,060
Core capital (leverage) ratio	9.7264%	3,733
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.8224%	1,651
Memoranda:
Average total assets	$699,749,500	1,118
Average earning assets	$685,239,000	1,057
Average equity	$68,204,500	1,290
Average total loans	$515,370,000	1,070
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7214%	2,264
Cost of funding earning assets	0.9227%	2,097
Net interest margin	3.7987%	2,500
Noninterest income to average assets	0.0983%	4,932
Noninterest expense to average assets	2.0390%	4,468
Loan and lease loss provision to assets	0.1311%	1,630
Net operating income to assets	1.6086%	824
Return on assets (ROA)	1.6086%	880
Pretax return on assets	1.6395%	1,370
Return on Equity (ROE)	16.6117%	463
Retained earnings to average equity (ytd only)	0.4843%	4,547
Net charge-offs to loans	0.1607%	1,249
Credit loss provision to net charge-offs	110.8374%	2,255
Earnings coverage of net charge-offs (x)	14.9704%	2,256
Efficiency ratio	53.5232%	4,469
Assets per employee ($millions)	8.1363%	676
Cash dividends to net income (ytd only)*	97.0844%	365
Condition Ratios (%)
Loss allowance to loans	1.1412%	2,742
Loan loss allowance to noncurrent loans	73.1159%	3,708
Noncurrent assets plus other real estate owned to assets	1.1569%	1,029
Noncurrent loans to loans	1.5608%	910
Net loans and leases to total assets	73.2766%	1,880
Net loans and leases to deposits	81.7161%	2,589
Net loans and leases to core deposits	91.3265%	2,292
Total domestic deposits to total assets	89.6722%	440
Equity capital to assets	9.8137%	4,092
Core capital (leverage) ratio	9.6178%	3,938
Tier 1 risk-based capital ratio	13.8718%	3,331
Total risk-based capital ratio	15.0867%	3,255
Memoranda:
Average total assets	$686,554,000	1,089
Average earning assets	$670,760,400	1,031
Average equity	$66,483,200	1,275
Average total loans	$505,252,800	1,073
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7226%	2,352
Cost of funding earning assets	0.9110%	2,180
Net interest margin	3.8116%	2,557
Noninterest income to average assets	0.2794%	4,076
Noninterest expense to average assets	2.0380%	4,481
Loan and lease loss provision to assets	0.1167%	1,674
Net operating income to assets	1.8495%	562
Return on assets (ROA)	1.8495%	586
Pretax return on assets	1.8495%	984
Return on Equity (ROE)	19.1639%	304
Retained earnings to average equity (ytd only)	-2.4514%	4,959
Net charge-offs to loans	0.1038%	1,434
Credit loss provision to net charge-offs	153.0612%	1,605
Earnings coverage of net charge-offs (x)	25.7808%	1,763
Efficiency ratio	50.8965%	4,683
Assets per employee ($millions)	8.3075%	621
Cash dividends to net income (ytd only)*	112.7919%	220
Condition Ratios (%)
Loss allowance to loans	1.1850%	2,585
Loan loss allowance to noncurrent loans	48.9384%	4,190
Noncurrent assets plus other real estate owned to assets	2.2550%	340
Noncurrent loans to loans	2.4215%	492
Net loans and leases to total assets	72.1970%	2,148
Net loans and leases to deposits	80.2839%	2,870
Net loans and leases to core deposits	89.5999%	2,576
Total domestic deposits to total assets	89.9271%	307
Equity capital to assets	9.6178%	4,371
Core capital (leverage) ratio	9.5040%	4,160
Tier 1 risk-based capital ratio	13.5716%	3,529
Total risk-based capital ratio	14.8132%	3,451
Memoranda:
Average total assets	$685,297,000	1,089
Average earning assets	$669,701,250	1,038
Average equity	$66,136,500	1,277
Average total loans	$503,411,500	1,070
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7004%	2,359
Cost of funding earning assets	0.8809%	2,239
Net interest margin	3.8195%	2,520
Noninterest income to average assets	0.2629%	4,180
Noninterest expense to average assets	2.0606%	4,491
Loan and lease loss provision to assets	0.1755%	1,025
Net operating income to assets	1.7637%	643
Return on assets (ROA)	1.7637%	670
Pretax return on assets	1.7637%	1,139
Return on Equity (ROE)	18.2546%	368
Retained earnings to average equity (ytd only)	-6.8133%	5,116
Net charge-offs to loans	0.1574%	1,002
Credit loss provision to net charge-offs	151.5152%	1,476
Earnings coverage of net charge-offs (x)	16.7449%	1,919
Efficiency ratio	51.5171%	4,685
Assets per employee ($millions)	8.2744%	609
Cash dividends to net income (ytd only)*	137.3238%	187
Condition Ratios (%)
Loss allowance to loans	1.1901%	2,578
Loan loss allowance to noncurrent loans	73.4729%	3,772
Noncurrent assets plus other real estate owned to assets	1.6905%	623
Noncurrent loans to loans	1.6197%	951
Net loans and leases to total assets	73.0062%	2,057
Net loans and leases to deposits	81.0778%	2,838
Net loans and leases to core deposits	90.5120%	2,553
Total domestic deposits to total assets	90.0447%	318
Equity capital to assets	9.5847%	4,326
Core capital (leverage) ratio	9.4867%	4,156
Tier 1 risk-based capital ratio	13.4130%	3,623
Total risk-based capital ratio	14.6589%	3,531
Memoranda:
Average total assets	$683,888,330	1,088
Average earning assets	$669,089,330	1,045
Average equity	$66,076,330	1,275
Average total loans	$503,287,000	1,071
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7081%	2,198
Cost of funding earning assets	0.8515%	2,264
Net interest margin	3.8565%	2,322
Noninterest income to average assets	0.2424%	4,269
Noninterest expense to average assets	2.0035%	4,633
Loan and lease loss provision to assets	0.0874%	1,964
Net operating income to assets	1.9325%	434
Return on assets (ROA)	1.9325%	449
Pretax return on assets	1.9325%	741
Return on Equity (ROE)	19.9224%	270
Retained earnings to average equity (ytd only)	3.4956%	3,516
Net charge-offs to loans	-0.0793%	4,967
Credit loss provision to net charge-offs	-150.0000%	3,594
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	49.7973%	4,847
Assets per employee ($millions)	8.2499%	612
Cash dividends to net income (ytd only)*	82.4540%	888
Condition Ratios (%)
Loss allowance to loans	1.2030%	2,560
Loan loss allowance to noncurrent loans	46.9798%	4,315
Noncurrent assets plus other real estate owned to assets	1.8689%	553
Noncurrent loans to loans	2.5606%	503
Net loans and leases to total assets	72.1088%	2,141
Net loans and leases to deposits	80.2101%	2,817
Net loans and leases to core deposits	85.3345%	2,926
Total domestic deposits to total assets	89.9000%	489
Equity capital to assets	9.8099%	4,003
Core capital (leverage) ratio	9.8211%	3,795
Tier 1 risk-based capital ratio	14.0178%	3,333
Total risk-based capital ratio	15.2677%	3,246
Memoranda:
Average total assets	$686,582,500	1,095
Average earning assets	$673,144,500	1,042
Average equity	$66,598,500	1,252
Average total loans	$504,274,000	1,071
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6422%	2,010
Cost of funding earning assets	0.6229%	2,567
Net interest margin	4.0193%	1,924
Noninterest income to average assets	0.2730%	4,275
Noninterest expense to average assets	2.1843%	4,374
Loan and lease loss provision to assets	0.1318%	1,665
Net operating income to assets	1.8883%	462
Return on assets (ROA)	1.8843%	462
Pretax return on assets	1.8843%	748
Return on Equity (ROE)	18.7501%	322
Retained earnings to average equity (ytd only)	0.8624%	4,755
Net charge-offs to loans	0.2123%	902
Credit loss provision to net charge-offs	78.4857%	2,888
Earnings coverage of net charge-offs (x)	12.0314%	2,576
Efficiency ratio	51.9525%	4,800
Assets per employee ($millions)	8.2943%	600
Cash dividends to net income (ytd only)*	95.4007%	338
Condition Ratios (%)
Loss allowance to loans	1.1325%	2,914
Loan loss allowance to noncurrent loans	45.5026%	4,390
Noncurrent assets plus other real estate owned to assets	1.8394%	552
Noncurrent loans to loans	2.4889%	490
Net loans and leases to total assets	73.0677%	2,085
Net loans and leases to deposits	81.1291%	2,834
Net loans and leases to core deposits	85.8395%	2,928
Total domestic deposits to total assets	90.0634%	454
Equity capital to assets	9.5907%	4,056
Core capital (leverage) ratio	9.7186%	3,889
Tier 1 risk-based capital ratio	13.7112%	3,435
Total risk-based capital ratio	14.8997%	3,382
Memoranda:
Average total assets	$645,024,800	1,121
Average earning assets	$630,911,000	1,072
Average equity	$64,821,000	1,240
Average total loans	$510,105,600	1,030
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6597%	1,796
Cost of funding earning assets	0.5489%	2,865
Net interest margin	4.1108%	1,596
Noninterest income to average assets	0.2790%	4,281
Noninterest expense to average assets	2.2397%	4,237
Loan and lease loss provision to assets	0.1051%	1,911
Net operating income to assets	1.9540%	433
Return on assets (ROA)	1.9485%	431
Pretax return on assets	1.9485%	729
Return on Equity (ROE)	19.1522%	326
Retained earnings to average equity (ytd only)	-4.8087%	5,310
Net charge-offs to loans	0.0640%	1,916
Credit loss provision to net charge-offs	204.0816%	1,359
Earnings coverage of net charge-offs (x)	39.9753%	1,358
Efficiency ratio	52.1006%	4,802
Assets per employee ($millions)	8.1241%	624
Cash dividends to net income (ytd only)*	125.1079%	130
Condition Ratios (%)
Loss allowance to loans	1.2401%	2,408
Loan loss allowance to noncurrent loans	65.9979%	4,066
Noncurrent assets plus other real estate owned to assets	1.4044%	949
Noncurrent loans to loans	1.8789%	808
Net loans and leases to total assets	73.8179%	2,015
Net loans and leases to deposits	81.7277%	2,853
Net loans and leases to core deposits	85.9614%	2,994
Total domestic deposits to total assets	90.3217%	407
Equity capital to assets	9.3476%	4,228
Core capital (leverage) ratio	9.7030%	3,938
Tier 1 risk-based capital ratio	13.4254%	3,668
Total risk-based capital ratio	14.6763%	3,587
Memoranda:
Average total assets	$634,174,750	1,150
Average earning assets	$620,136,000	1,086
Average equity	$64,520,000	1,242
Average total loans	$510,437,500	1,028
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6914%	1,525
Cost of funding earning assets	0.4593%	3,292
Net interest margin	4.2322%	1,208
Noninterest income to average assets	0.2661%	4,405
Noninterest expense to average assets	2.3160%	4,111
Loan and lease loss provision to assets	0.1128%	1,756
Net operating income to assets	1.9729%	398
Return on assets (ROA)	1.9646%	406
Pretax return on assets	1.9646%	656
Return on Equity (ROE)	18.7584%	352
Retained earnings to average equity (ytd only)	-8.6994%	5,395
Net charge-offs to loans	0.0179%	2,541
Credit loss provision to net charge-offs	760.8696%	517
Earnings coverage of net charge-offs (x)	140.7391%	543
Efficiency ratio	52.6166%	4,820
Assets per employee ($millions)	7.4814%	771
Cash dividends to net income (ytd only)*	146.3759%	151
Condition Ratios (%)
Loss allowance to loans	1.2343%	2,528
Loan loss allowance to noncurrent loans	91.5552%	3,627
Noncurrent assets plus other real estate owned to assets	1.1215%	1,313
Noncurrent loans to loans	1.3482%	1,260
Net loans and leases to total assets	82.1592%	692
Net loans and leases to deposits	91.9932%	1,580
Net loans and leases to core deposits	97.4451%	1,929
Total domestic deposits to total assets	89.3101%	812
Equity capital to assets	10.2671%	3,372
Core capital (leverage) ratio	10.2067%	3,353
Tier 1 risk-based capital ratio	13.2666%	3,752
Total risk-based capital ratio	14.5171%	3,677
Memoranda:
Average total assets	$620,798,670	1,173
Average earning assets	$606,636,000	1,108
Average equity	$65,016,330	1,234
Average total loans	$512,581,330	1,019
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6647%	1,398
Cost of funding earning assets	0.3993%	3,592
Net interest margin	4.2654%	1,015
Noninterest income to average assets	0.2581%	4,450
Noninterest expense to average assets	2.3118%	4,170
Loan and lease loss provision to assets	0.0961%	1,910
Net operating income to assets	2.0177%	361
Return on assets (ROA)	2.0177%	361
Pretax return on assets	2.0177%	552
Return on Equity (ROE)	19.0818%	313
Retained earnings to average equity (ytd only)	-1.5023%	4,963
Net charge-offs to loans	0.0335%	1,839
Credit loss provision to net charge-offs	348.8372%	746
Earnings coverage of net charge-offs (x)	76.7442%	726
Efficiency ratio	52.2362%	4,946
Assets per employee ($millions)	7.5216%	759
Cash dividends to net income (ytd only)*	107.8730%	525
Condition Ratios (%)
Loss allowance to loans	1.1894%	2,874
Loan loss allowance to noncurrent loans	89.4590%	3,659
Noncurrent assets plus other real estate owned to assets	1.1059%	1,402
Noncurrent loans to loans	1.3295%	1,342
Net loans and leases to total assets	82.1930%	641
Net loans and leases to deposits	93.2122%	1,312
Net loans and leases to core deposits	100.8130%	1,628
Total domestic deposits to total assets	88.1783%	1,522
Equity capital to assets	10.6225%	2,948
Core capital (leverage) ratio	10.4979%	2,945
Tier 1 risk-based capital ratio	13.6317%	3,583
Total risk-based capital ratio	14.8819%	3,497
Memoranda:
Average total assets	$624,460,500	1,181
Average earning assets	$610,113,500	1,116
Average equity	$66,031,500	1,221
Average total loans	$513,709,500	1,025
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6129%	1,392
Cost of funding earning assets	0.3297%	3,879
Net interest margin	4.2833%	1,000
Noninterest income to average assets	0.3010%	4,301
Noninterest expense to average assets	2.1728%	4,586
Loan and lease loss provision to assets	0.0976%	2,265
Net operating income to assets	2.2123%	190
Return on assets (ROA)	2.2024%	194
Pretax return on assets	2.2024%	315
Return on Equity (ROE)	21.1415%	161
Retained earnings to average equity (ytd only)	3.8511%	2,906
Net charge-offs to loans	0.0530%	2,747
Credit loss provision to net charge-offs	229.0076%	1,210
Earnings coverage of net charge-offs (x)	54.2137%	1,032
Efficiency ratio	48.4709%	5,287
Assets per employee ($millions)	7.9018%	659
Cash dividends to net income (ytd only)*	81.7839%	779
Condition Ratios (%)
Loss allowance to loans	1.1655%	2,979
Loan loss allowance to noncurrent loans	146.4696%	2,843
Noncurrent assets plus other real estate owned to assets	0.6636%	2,327
Noncurrent loans to loans	0.7957%	2,223
Net loans and leases to total assets	80.4207%	905
Net loans and leases to deposits	92.8042%	1,405
Net loans and leases to core deposits	99.4145%	1,758
Total domestic deposits to total assets	86.6563%	2,169
Equity capital to assets	10.5270%	3,141
Core capital (leverage) ratio	10.6163%	2,721
Tier 1 risk-based capital ratio	13.6761%	3,533
Total risk-based capital ratio	14.9199%	3,447
Memoranda:
Average total assets	$614,913,400	1,170
Average earning assets	$600,332,600	1,114
Average equity	$64,058,800	1,234
Average total loans	$493,965,400	1,040
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6059%	1,354
Cost of funding earning assets	0.3235%	3,908
Net interest margin	4.2824%	965
Noninterest income to average assets	0.3286%	4,188
Noninterest expense to average assets	2.1692%	4,594
Loan and lease loss provision to assets	0.0983%	2,144
Net operating income to assets	2.2443%	196
Return on assets (ROA)	2.2443%	196
Pretax return on assets	2.2443%	325
Return on Equity (ROE)	21.6020%	152
Retained earnings to average equity (ytd only)	-1.6751%	5,406
Net charge-offs to loans	0.0715%	2,106
Credit loss provision to net charge-offs	171.7557%	1,521
Earnings coverage of net charge-offs (x)	40.9471%	1,278
Efficiency ratio	48.0786%	5,336
Assets per employee ($millions)	7.8353%	669
Cash dividends to net income (ytd only)*	107.7544%	231
Condition Ratios (%)
Loss allowance to loans	1.1661%	3,113
Loan loss allowance to noncurrent loans	171.5082%	2,519
Noncurrent assets plus other real estate owned to assets	0.6097%	2,684
Noncurrent loans to loans	0.6799%	2,669
Net loans and leases to total assets	80.0309%	980
Net loans and leases to deposits	92.4636%	1,501
Net loans and leases to core deposits	98.9027%	1,808
Total domestic deposits to total assets	86.5540%	2,070
Equity capital to assets	10.2867%	3,600
Core capital (leverage) ratio	10.1158%	3,422
Tier 1 risk-based capital ratio	13.1686%	3,897
Total risk-based capital ratio	14.3971%	3,816
Memoranda:
Average total assets	$610,605,000	1,184
Average earning assets	$596,438,000	1,126
Average equity	$63,437,000	1,256
Average total loans	$488,863,750	1,054
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5768%	1,307
Cost of funding earning assets	0.3182%	3,895
Net interest margin	4.2586%	957
Noninterest income to average assets	0.3017%	4,378
Noninterest expense to average assets	2.1760%	4,608
Loan and lease loss provision to assets	0.0987%	2,043
Net operating income to assets	2.1839%	219
Return on assets (ROA)	2.1839%	223
Pretax return on assets	2.1839%	364
Return on Equity (ROE)	20.9507%	178
Retained earnings to average equity (ytd only)	-4.7192%	5,526
Net charge-offs to loans	0.0516%	2,185
Credit loss provision to net charge-offs	240.0000%	1,114
Earnings coverage of net charge-offs (x)	55.4960%	999
Efficiency ratio	48.8044%	5,368
Assets per employee ($millions)	7.8638%	658
Cash dividends to net income (ytd only)*	122.5252%	270
Condition Ratios (%)
Loss allowance to loans	1.1713%	3,188
Loan loss allowance to noncurrent loans	528.7398%	979
Noncurrent assets plus other real estate owned to assets	0.1940%	4,400
Noncurrent loans to loans	0.2215%	4,233
Net loans and leases to total assets	79.2118%	1,063
Net loans and leases to deposits	91.7172%	1,536
Net loans and leases to core deposits	97.7537%	1,832
Total domestic deposits to total assets	86.3652%	2,212
Equity capital to assets	10.1526%	3,732
Core capital (leverage) ratio	10.0702%	3,443
Tier 1 risk-based capital ratio	12.9497%	4,033
Total risk-based capital ratio	14.1687%	3,969
Memoranda:
Average total assets	$607,811,330	1,194
Average earning assets	$593,292,670	1,135
Average equity	$63,358,330	1,256
Average total loans	$484,743,330	1,064
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5145%	1,341
Cost of funding earning assets	0.3046%	3,998
Net interest margin	4.2099%	970
Noninterest income to average assets	0.2602%	4,674
Noninterest expense to average assets	2.1873%	4,679
Loan and lease loss provision to assets	0.0000%	3,537
Net operating income to assets	2.1847%	231
Return on assets (ROA)	2.1847%	235
Pretax return on assets	2.1847%	364
Return on Equity (ROE)	20.6798%	201
Retained earnings to average equity (ytd only)	5.6251%	2,530
Net charge-offs to loans	0.0209%	2,362
Credit loss provision to net charge-offs	0.0000%	2,277
Earnings coverage of net charge-offs (x)	131.3200%	418
Efficiency ratio	50.0304%	5,374
Assets per employee ($millions)	7.7724%	681
Cash dividends to net income (ytd only)*	72.7993%	1,109
Condition Ratios (%)
Loss allowance to loans	1.1696%	3,311
Loan loss allowance to noncurrent loans	395.7836%	1,273
Noncurrent assets plus other real estate owned to assets	0.2515%	4,200
Noncurrent loans to loans	0.2955%	4,057
Net loans and leases to total assets	78.4988%	1,061
Net loans and leases to deposits	89.6324%	1,585
Net loans and leases to core deposits	96.1797%	1,806
Total domestic deposits to total assets	87.5786%	1,955
Equity capital to assets	10.5708%	3,104
Core capital (leverage) ratio	10.7782%	2,618
Tier 1 risk-based capital ratio	13.8322%	3,586
Total risk-based capital ratio	15.0430%	3,514
Memoranda:
Average total assets	$601,096,500	1,206
Average earning assets	$587,087,500	1,145
Average equity	$63,501,500	1,253
Average total loans	$478,151,000	1,071
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5814%	1,323
Cost of funding earning assets	0.3066%	3,995
Net interest margin	4.2747%	971
Noninterest income to average assets	0.2876%	4,682
Noninterest expense to average assets	2.2252%	4,714
Loan and lease loss provision to assets	0.0760%	2,836
Net operating income to assets	2.1658%	237
Return on assets (ROA)	2.1688%	245
Pretax return on assets	2.1688%	348
Return on Equity (ROE)	20.9001%	184
Retained earnings to average equity (ytd only)	6.5902%	1,412
Net charge-offs to loans	0.0778%	2,574
Credit loss provision to net charge-offs	123.6264%	2,164
Earnings coverage of net charge-offs (x)	36.4643%	1,259
Efficiency ratio	49.8147%	5,496
Assets per employee ($millions)	7.5436%	715
Cash dividends to net income (ytd only)*	68.4682%	1,392
Condition Ratios (%)
Loss allowance to loans	1.1915%	3,170
Loan loss allowance to noncurrent loans	401.7756%	1,270
Noncurrent assets plus other real estate owned to assets	0.2363%	4,360
Noncurrent loans to loans	0.2966%	4,086
Net loans and leases to total assets	78.7179%	1,085
Net loans and leases to deposits	88.3189%	1,883
Net loans and leases to core deposits	94.0399%	2,103
Total domestic deposits to total assets	89.1293%	1,048
Equity capital to assets	10.5576%	3,093
Core capital (leverage) ratio	10.5517%	2,828
Tier 1 risk-based capital ratio	13.7562%	3,604
Total risk-based capital ratio	14.9827%	3,530
Memoranda:
Average total assets	$592,077,800	1,184
Average earning assets	$578,867,600	1,125
Average equity	$61,440,000	1,271
Average total loans	$467,898,800	1,035
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5591%	1,385
Cost of funding earning assets	0.3049%	4,044
Net interest margin	4.2542%	1,019
Noninterest income to average assets	0.2768%	4,792
Noninterest expense to average assets	2.2112%	4,737
Loan and lease loss provision to assets	0.0338%	3,556
Net operating income to assets	2.1924%	249
Return on assets (ROA)	2.1933%	260
Pretax return on assets	2.1933%	392
Return on Equity (ROE)	21.2296%	185
Retained earnings to average equity (ytd only)	2.0348%	4,672
Net charge-offs to loans	0.0323%	2,998
Credit loss provision to net charge-offs	132.7434%	1,950
Earnings coverage of net charge-offs (x)	87.3468%	720
Efficiency ratio	49.8297%	5,515
Assets per employee ($millions)	7.5546%	702
Cash dividends to net income (ytd only)*	90.4154%	531
Condition Ratios (%)
Loss allowance to loans	1.1660%	3,446
Loan loss allowance to noncurrent loans	180.0321%	2,427
Noncurrent assets plus other real estate owned to assets	0.5219%	3,365
Noncurrent loans to loans	0.6477%	3,078
Net loans and leases to total assets	79.6497%	938
Net loans and leases to deposits	89.1528%	1,866
Net loans and leases to core deposits	96.5930%	1,932
Total domestic deposits to total assets	89.3407%	743
Equity capital to assets	10.2999%	3,807
Core capital (leverage) ratio	10.0407%	3,516
Tier 1 risk-based capital ratio	12.8467%	4,255
Total risk-based capital ratio	14.0408%	4,194
Memoranda:
Average total assets	$591,110,250	1,179
Average earning assets	$578,112,250	1,127
Average equity	$61,070,500	1,281
Average total loans	$466,179,750	1,038
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5254%	1,448
Cost of funding earning assets	0.3000%	4,130
Net interest margin	4.2253%	1,069
Noninterest income to average assets	0.2692%	4,859
Noninterest expense to average assets	2.2447%	4,741
Loan and lease loss provision to assets	0.0000%	4,017
Net operating income to assets	2.1544%	243
Return on assets (ROA)	2.1544%	257
Pretax return on assets	2.1544%	410
Return on Equity (ROE)	20.8314%	203
Retained earnings to average equity (ytd only)	-0.7746%	5,408
Net charge-offs to loans	0.0490%	2,502
Credit loss provision to net charge-offs	0.0000%	3,050
Earnings coverage of net charge-offs (x)	56.1681%	917
Efficiency ratio	51.0262%	5,500
Assets per employee ($millions)	7.4065%	729
Cash dividends to net income (ytd only)*	103.7183%	470
Condition Ratios (%)
Loss allowance to loans	1.1641%	3,561
Loan loss allowance to noncurrent loans	204.4195%	2,238
Noncurrent assets plus other real estate owned to assets	0.4675%	3,656
Noncurrent loans to loans	0.5695%	3,359
Net loans and leases to total assets	78.2072%	1,173
Net loans and leases to deposits	87.4423%	2,074
Net loans and leases to core deposits	95.3762%	2,032
Total domestic deposits to total assets	89.4387%	712
Equity capital to assets	10.2474%	3,916
Core capital (leverage) ratio	10.0799%	3,476
Tier 1 risk-based capital ratio	12.7217%	4,373
Total risk-based capital ratio	13.8953%	4,324
Memoranda:
Average total assets	$589,209,330	1,192
Average earning assets	$575,906,330	1,137
Average equity	$60,937,000	1,286
Average total loans	$461,250,330	1,051
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5064%	1,489
Cost of funding earning assets	0.2959%	4,206
Net interest margin	4.2105%	1,076
Noninterest income to average assets	0.2723%	4,783
Noninterest expense to average assets	2.2391%	4,806
Loan and lease loss provision to assets	0.0000%	3,656
Net operating income to assets	2.1506%	249
Return on assets (ROA)	2.1506%	262
Pretax return on assets	2.1506%	418
Return on Equity (ROE)	20.6990%	205
Retained earnings to average equity (ytd only)	4.8750%	3,015
Net charge-offs to loans	0.0245%	2,441
Credit loss provision to net charge-offs	0.0000%	2,416
Earnings coverage of net charge-offs (x)	112.8214%	497
Efficiency ratio	51.0081%	5,566
Assets per employee ($millions)	7.3061%	771
Cash dividends to net income (ytd only)*	76.4482%	1,055
Condition Ratios (%)
Loss allowance to loans	1.2058%	3,440
Loan loss allowance to noncurrent loans	137.2709%	2,946
Noncurrent assets plus other real estate owned to assets	0.7080%	2,944
Noncurrent loans to loans	0.8784%	2,655
Net loans and leases to total assets	77.7002%	1,138
Net loans and leases to deposits	87.0594%	1,936
Net loans and leases to core deposits	95.1530%	1,876
Total domestic deposits to total assets	89.2496%	972
Equity capital to assets	10.4933%	3,505
Core capital (leverage) ratio	10.2824%	3,222
Tier 1 risk-based capital ratio	13.0718%	4,220
Total risk-based capital ratio	14.2765%	4,166
Memoranda:
Average total assets	$587,553,000	1,201
Average earning assets	$574,559,500	1,133
Average equity	$61,046,500	1,280
Average total loans	$457,449,000	1,058
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5139%	1,550
Cost of funding earning assets	0.2260%	5,037
Net interest margin	4.2879%	984
Noninterest income to average assets	0.2978%	4,756
Noninterest expense to average assets	2.2247%	4,991
Loan and lease loss provision to assets	0.0524%	3,264
Net operating income to assets	2.1989%	248
Return on assets (ROA)	2.2073%	256
Pretax return on assets	2.2073%	344
Return on Equity (ROE)	21.9661%	177
Retained earnings to average equity (ytd only)	8.0133%	910
Net charge-offs to loans	0.0126%	4,048
Credit loss provision to net charge-offs	545.4545%	604
Earnings coverage of net charge-offs (x)	234.3455%	301
Efficiency ratio	49.7034%	5,771
Assets per employee ($millions)	7.2916%	788
Cash dividends to net income (ytd only)*	63.5198%	1,561
Condition Ratios (%)
Loss allowance to loans	1.2238%	3,335
Loan loss allowance to noncurrent loans	137.5556%	2,983
Noncurrent assets plus other real estate owned to assets	0.7027%	2,942
Noncurrent loans to loans	0.8897%	2,574
Net loans and leases to total assets	76.1297%	1,400
Net loans and leases to deposits	85.1527%	2,226
Net loans and leases to core deposits	92.8474%	2,144
Total domestic deposits to total assets	89.4038%	911
Equity capital to assets	10.2877%	3,637
Core capital (leverage) ratio	10.2218%	3,237
Tier 1 risk-based capital ratio	13.0112%	4,307
Total risk-based capital ratio	14.2315%	4,239
Memoranda:
Average total assets	$572,516,200	1,194
Average earning assets	$557,874,200	1,128
Average equity	$57,529,600	1,300
Average total loans	$435,426,000	1,058
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5344%	1,496
Cost of funding earning assets	0.2264%	5,121
Net interest margin	4.3080%	944
Noninterest income to average assets	0.3038%	4,764
Noninterest expense to average assets	2.2181%	5,003
Loan and lease loss provision to assets	0.0000%	4,232
Net operating income to assets	2.2798%	224
Return on assets (ROA)	2.2908%	232
Pretax return on assets	2.2908%	340
Return on Equity (ROE)	22.9395%	165
Retained earnings to average equity (ytd only)	4.0712%	3,563
Net charge-offs to loans	0.0173%	3,604
Credit loss provision to net charge-offs	0.0000%	3,517
Earnings coverage of net charge-offs (x)	173.4397%	412
Efficiency ratio	49.3137%	5,812
Assets per employee ($millions)	7.1368%	816
Cash dividends to net income (ytd only)*	82.2523%	687
Condition Ratios (%)
Loss allowance to loans	1.1732%	3,799
Loan loss allowance to noncurrent loans	209.6261%	2,168
Noncurrent assets plus other real estate owned to assets	0.4636%	3,941
Noncurrent loans to loans	0.5597%	3,657
Net loans and leases to total assets	78.7350%	993
Net loans and leases to deposits	87.9806%	1,903
Net loans and leases to core deposits	95.7752%	1,909
Total domestic deposits to total assets	89.4913%	777
Equity capital to assets	10.1846%	3,955
Core capital (leverage) ratio	9.9693%	3,679
Tier 1 risk-based capital ratio	12.4475%	4,794
Total risk-based capital ratio	13.6081%	4,756
Memoranda:
Average total assets	$567,991,000	1,209
Average earning assets	$552,972,500	1,144
Average equity	$56,721,750	1,328
Average total loans	$430,481,000	1,068
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4589%	1,662
Cost of funding earning assets	0.2338%	5,106
Net interest margin	4.2251%	1,059
Noninterest income to average assets	0.3063%	4,763
Noninterest expense to average assets	2.2069%	5,098
Loan and lease loss provision to assets	0.0000%	4,069
Net operating income to assets	2.2062%	255
Return on assets (ROA)	2.2108%	265
Pretax return on assets	2.2108%	407
Return on Equity (ROE)	22.2842%	185
Retained earnings to average equity (ytd only)	1.7101%	4,846
Net charge-offs to loans	0.0099%	3,561
Credit loss provision to net charge-offs	0.0000%	3,158
Earnings coverage of net charge-offs (x)	299.0952%	229
Efficiency ratio	50.0080%	5,853
Assets per employee ($millions)	7.1577%	779
Cash dividends to net income (ytd only)*	92.3260%	658
Condition Ratios (%)
Loss allowance to loans	1.2075%	3,745
Loan loss allowance to noncurrent loans	208.8583%	2,174
Noncurrent assets plus other real estate owned to assets	0.7754%	3,065
Noncurrent loans to loans	0.5781%	3,722
Net loans and leases to total assets	77.7441%	1,105
Net loans and leases to deposits	86.6581%	1,984
Net loans and leases to core deposits	94.6017%	1,901
Total domestic deposits to total assets	89.7136%	781
Equity capital to assets	10.0270%	4,006
Core capital (leverage) ratio	9.7758%	3,903
Tier 1 risk-based capital ratio	12.3459%	4,911
Total risk-based capital ratio	13.5308%	4,850
Memoranda:
Average total assets	$569,384,670	1,205
Average earning assets	$553,454,670	1,134
Average equity	$56,488,330	1,343
Average total loans	$424,246,000	1,083
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3157%	2,043
Cost of funding earning assets	0.2343%	5,172
Net interest margin	4.0814%	1,328
Noninterest income to average assets	0.2421%	5,238
Noninterest expense to average assets	2.1220%	5,333
Loan and lease loss provision to assets	0.0000%	3,703
Net operating income to assets	2.0824%	288
Return on assets (ROA)	2.0824%	311
Pretax return on assets	2.0824%	500
Return on Equity (ROE)	21.0990%	226
Retained earnings to average equity (ytd only)	9.2630%	1,113
Net charge-offs to loans	-0.0010%	4,321
Credit loss provision to net charge-offs	0.0000%	2,491
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	50.4716%	5,889
Assets per employee ($millions)	7.3746%	719
Cash dividends to net income (ytd only)*	56.0976%	1,542
Condition Ratios (%)
Loss allowance to loans	1.2615%	3,624
Loan loss allowance to noncurrent loans	272.4808%	1,733
Noncurrent assets plus other real estate owned to assets	0.6354%	3,592
Noncurrent loans to loans	0.4630%	4,193
Net loans and leases to total assets	72.4821%	1,735
Net loans and leases to deposits	80.7344%	2,476
Net loans and leases to core deposits	87.4104%	2,385
Total domestic deposits to total assets	89.7784%	854
Equity capital to assets	9.9930%	4,156
Core capital (leverage) ratio	9.8031%	3,886
Tier 1 risk-based capital ratio	12.9704%	4,619
Total risk-based capital ratio	14.2019%	4,546
Memoranda:
Average total assets	$574,926,000	1,198
Average earning assets	$558,147,500	1,134
Average equity	$56,742,000	1,342
Average total loans	$416,693,000	1,099
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4864%	1,928
Cost of funding earning assets	0.2941%	4,849
Net interest margin	4.1923%	1,329
Noninterest income to average assets	0.2969%	4,997
Noninterest expense to average assets	2.1785%	5,391
Loan and lease loss provision to assets	0.1165%	2,229
Net operating income to assets	2.0621%	295
Return on assets (ROA)	2.0481%	308
Pretax return on assets	2.0481%	469
Return on Equity (ROE)	21.5089%	187
Retained earnings to average equity (ytd only)	5.3880%	2,339
Net charge-offs to loans	0.1689%	2,345
Credit loss provision to net charge-offs	95.5882%	2,521
Earnings coverage of net charge-offs (x)	17.8721%	1,886
Efficiency ratio	49.9979%	6,096
Assets per employee ($millions)	7.4627%	671
Cash dividends to net income (ytd only)*	74.9497%	1,095
Condition Ratios (%)
Loss allowance to loans	1.2955%	3,448
Loan loss allowance to noncurrent loans	165.3524%	2,600
Noncurrent assets plus other real estate owned to assets	0.8679%	3,043
Noncurrent loans to loans	0.7835%	3,344
Net loans and leases to total assets	70.6194%	2,138
Net loans and leases to deposits	78.5197%	2,910
Net loans and leases to core deposits	82.6351%	3,037
Total domestic deposits to total assets	89.9384%	760
Equity capital to assets	9.7457%	4,419
Core capital (leverage) ratio	9.5440%	4,180
Tier 1 risk-based capital ratio	12.8686%	4,810
Total risk-based capital ratio	14.1185%	4,724
Memoranda:
Average total assets	$557,823,400	1,195
Average earning assets	$540,249,200	1,121
Average equity	$53,117,600	1,377
Average total loans	$402,595,000	1,094
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5157%	1,815
Cost of funding earning assets	0.3046%	4,844
Net interest margin	4.2111%	1,253
Noninterest income to average assets	0.3054%	5,000
Noninterest expense to average assets	2.1930%	5,368
Loan and lease loss provision to assets	0.0000%	4,401
Net operating income to assets	2.1880%	244
Return on assets (ROA)	2.1896%	247
Pretax return on assets	2.1896%	372
Return on Equity (ROE)	23.1358%	150
Retained earnings to average equity (ytd only)	1.3461%	5,360
Net charge-offs to loans	0.0107%	4,363
Credit loss provision to net charge-offs	0.0000%	3,801
Earnings coverage of net charge-offs (x)	283.8770%	240
Efficiency ratio	50.0577%	6,099
Assets per employee ($millions)	7.4782%	648
Cash dividends to net income (ytd only)*	94.1817%	440
Condition Ratios (%)
Loss allowance to loans	1.3065%	3,609
Loan loss allowance to noncurrent loans	60.1718%	4,789
Noncurrent assets plus other real estate owned to assets	1.7068%	1,764
Noncurrent loans to loans	2.1712%	1,410
Net loans and leases to total assets	71.7084%	1,904
Net loans and leases to deposits	79.5250%	2,768
Net loans and leases to core deposits	87.0710%	2,533
Total domestic deposits to total assets	90.1709%	653
Equity capital to assets	9.5423%	4,739
Core capital (leverage) ratio	9.2849%	4,656
Tier 1 risk-based capital ratio	12.4727%	5,186
Total risk-based capital ratio	13.7228%	5,119
Memoranda:
Average total assets	$553,621,500	1,213
Average earning assets	$535,808,750	1,138
Average equity	$52,396,500	1,400
Average total loans	$400,462,000	1,099
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5470%	1,674
Cost of funding earning assets	0.3155%	4,820
Net interest margin	4.2315%	1,178
Noninterest income to average assets	0.3436%	4,671
Noninterest expense to average assets	2.1908%	5,440
Loan and lease loss provision to assets	0.0000%	4,196
Net operating income to assets	2.2402%	210
Return on assets (ROA)	2.2427%	219
Pretax return on assets	2.2427%	331
Return on Equity (ROE)	23.7629%	146
Retained earnings to average equity (ytd only)	-0.6074%	5,797
Net charge-offs to loans	0.0171%	3,879
Credit loss provision to net charge-offs	0.0000%	3,401
Earnings coverage of net charge-offs (x)	181.5882%	347
Efficiency ratio	49.4432%	6,203
Assets per employee ($millions)	7.4897%	632
Cash dividends to net income (ytd only)*	102.5562%	501
Condition Ratios (%)
Loss allowance to loans	1.2979%	3,858
Loan loss allowance to noncurrent loans	76.3668%	4,306
Noncurrent assets plus other real estate owned to assets	1.4472%	2,251
Noncurrent loans to loans	1.6995%	2,040
Net loans and leases to total assets	73.0264%	1,567
Net loans and leases to deposits	80.8820%	2,397
Net loans and leases to core deposits	88.4616%	2,265
Total domestic deposits to total assets	90.2876%	664
Equity capital to assets	9.4604%	4,784
Core capital (leverage) ratio	9.3217%	4,562
Tier 1 risk-based capital ratio	12.2264%	5,403
Total risk-based capital ratio	13.4764%	5,319
Memoranda:
Average total assets	$551,207,670	1,210
Average earning assets	$532,437,670	1,144
Average equity	$52,022,330	1,396
Average total loans	$398,112,670	1,096
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5106%	1,785
Cost of funding earning assets	0.3237%	4,814
Net interest margin	4.1869%	1,254
Noninterest income to average assets	0.3806%	4,347
Noninterest expense to average assets	2.2398%	5,358
Loan and lease loss provision to assets	0.0000%	3,817
Net operating income to assets	2.1787%	247
Return on assets (ROA)	2.1830%	256
Pretax return on assets	2.1830%	363
Return on Equity (ROE)	23.1584%	170
Retained earnings to average equity (ytd only)	8.2521%	1,508
Net charge-offs to loans	0.0326%	2,934
Credit loss provision to net charge-offs	0.0000%	2,688
Earnings coverage of net charge-offs (x)	93.5625%	480
Efficiency ratio	50.6917%	6,215
Assets per employee ($millions)	7.5435%	612
Cash dividends to net income (ytd only)*	64.3667%	1,288
Condition Ratios (%)
Loss allowance to loans	1.3446%	3,878
Loan loss allowance to noncurrent loans	110.8012%	3,373
Noncurrent assets plus other real estate owned to assets	1.6657%	2,121
Noncurrent loans to loans	1.2136%	3,019
Net loans and leases to total assets	69.9762%	1,887
Net loans and leases to deposits	77.4660%	2,632
Net loans and leases to core deposits	84.6118%	2,450
Total domestic deposits to total assets	90.3315%	903
Equity capital to assets	9.4669%	4,538
Core capital (leverage) ratio	9.7132%	3,979
Tier 1 risk-based capital ratio	12.9901%	5,009
Total risk-based capital ratio	14.2409%	4,938
Memoranda:
Average total assets	$549,692,500	1,228
Average earning assets	$530,125,500	1,158
Average equity	$51,817,000	1,397
Average total loans	$392,138,000	1,126
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6633%	1,675
Cost of funding earning assets	0.3725%	4,919
Net interest margin	4.2908%	1,130
Noninterest income to average assets	0.3241%	5,019
Noninterest expense to average assets	2.1922%	5,648
Loan and lease loss provision to assets	0.0000%	5,091
Net operating income to assets	2.2690%	220
Return on assets (ROA)	2.2690%	227
Pretax return on assets	2.2690%	282
Return on Equity (ROE)	24.4301%	138
Retained earnings to average equity (ytd only)	8.6251%	869
Net charge-offs to loans	0.1576%	3,226
Credit loss provision to net charge-offs	0.0000%	4,707
Earnings coverage of net charge-offs (x)	19.8926%	1,579
Efficiency ratio	49.1400%	6,434
Assets per employee ($millions)	7.2156%	682
Cash dividends to net income (ytd only)*	64.6946%	1,554
Condition Ratios (%)
Loss allowance to loans	1.3741%	3,774
Loan loss allowance to noncurrent loans	136.6803%	2,862
Noncurrent assets plus other real estate owned to assets	1.5840%	2,350
Noncurrent loans to loans	1.0053%	3,500
Net loans and leases to total assets	70.7723%	1,888
Net loans and leases to deposits	78.3600%	2,680
Net loans and leases to core deposits	84.6769%	2,589
Total domestic deposits to total assets	90.3169%	910
Equity capital to assets	9.3849%	4,563
Core capital (leverage) ratio	9.6574%	4,047
Tier 1 risk-based capital ratio	13.1116%	4,905
Total risk-based capital ratio	14.3627%	4,847
Memoranda:
Average total assets	$530,419,200	1,253
Average earning assets	$511,419,400	1,183
Average equity	$49,263,000	1,432
Average total loans	$383,768,600	1,109
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6636%	1,707
Cost of funding earning assets	0.3775%	5,022
Net interest margin	4.2860%	1,122
Noninterest income to average assets	0.3284%	5,060
Noninterest expense to average assets	2.1788%	5,654
Loan and lease loss provision to assets	0.0000%	4,941
Net operating income to assets	2.2829%	222
Return on assets (ROA)	2.2829%	234
Pretax return on assets	2.2829%	331
Return on Equity (ROE)	24.6466%	128
Retained earnings to average equity (ytd only)	3.4095%	4,261
Net charge-offs to loans	0.1882%	2,717
Credit loss provision to net charge-offs	0.0000%	4,342
Earnings coverage of net charge-offs (x)	16.7334%	1,781
Efficiency ratio	48.8335%	6,462
Assets per employee ($millions)	7.2811%	654
Cash dividends to net income (ytd only)*	86.1664%	642
Condition Ratios (%)
Loss allowance to loans	1.4063%	3,866
Loan loss allowance to noncurrent loans	124.2752%	2,937
Noncurrent assets plus other real estate owned to assets	1.7215%	2,383
Noncurrent loans to loans	1.1316%	3,542
Net loans and leases to total assets	71.2386%	1,739
Net loans and leases to deposits	78.5636%	2,577
Net loans and leases to core deposits	84.6575%	2,579
Total domestic deposits to total assets	90.6763%	670
Equity capital to assets	9.0272%	5,158
Core capital (leverage) ratio	9.2875%	4,708
Tier 1 risk-based capital ratio	12.6034%	5,386
Total risk-based capital ratio	13.8550%	5,331
Memoranda:
Average total assets	$527,732,000	1,272
Average earning assets	$508,926,000	1,204
Average equity	$48,881,750	1,455
Average total loans	$382,627,500	1,118
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6217%	1,777
Cost of funding earning assets	0.3830%	5,105
Net interest margin	4.2387%	1,169
Noninterest income to average assets	0.3195%	5,152
Noninterest expense to average assets	2.1608%	5,723
Loan and lease loss provision to assets	0.0000%	4,788
Net operating income to assets	2.2497%	238
Return on assets (ROA)	2.2497%	255
Pretax return on assets	2.2497%	384
Return on Equity (ROE)	24.0820%	141
Retained earnings to average equity (ytd only)	1.1874%	5,426
Net charge-offs to loans	0.2282%	2,362
Credit loss provision to net charge-offs	0.0000%	4,003
Earnings coverage of net charge-offs (x)	13.5826%	1,894
Efficiency ratio	48.9922%	6,483
Assets per employee ($millions)	6.9265%	742
Cash dividends to net income (ytd only)*	95.0692%	598
Condition Ratios (%)
Loss allowance to loans	1.4168%	3,958
Loan loss allowance to noncurrent loans	131.9195%	2,799
Noncurrent assets plus other real estate owned to assets	1.6876%	2,580
Noncurrent loans to loans	1.0740%	3,779
Net loans and leases to total assets	73.7333%	1,296
Net loans and leases to deposits	81.5879%	2,102
Net loans and leases to core deposits	88.7471%	2,028
Total domestic deposits to total assets	90.3728%	822
Equity capital to assets	9.1613%	5,035
Core capital (leverage) ratio	9.2215%	4,664
Tier 1 risk-based capital ratio	12.4458%	5,538
Total risk-based capital ratio	13.6981%	5,482
Memoranda:
Average total assets	$526,470,000	1,271
Average earning assets	$508,126,670	1,211
Average equity	$49,182,000	1,452
Average total loans	$382,154,330	1,118
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5731%	1,917
Cost of funding earning assets	0.3924%	5,182
Net interest margin	4.1808%	1,240
Noninterest income to average assets	0.2710%	5,516
Noninterest expense to average assets	2.0930%	5,923
Loan and lease loss provision to assets	0.0000%	4,409
Net operating income to assets	2.2153%	236
Return on assets (ROA)	2.2153%	260
Pretax return on assets	2.2153%	404
Return on Equity (ROE)	23.4908%	153
Retained earnings to average equity (ytd only)	10.0046%	1,107
Net charge-offs to loans	0.2882%	1,815
Credit loss provision to net charge-offs	0.0000%	3,239
Earnings coverage of net charge-offs (x)	10.7509%	1,715
Efficiency ratio	48.5809%	6,584
Assets per employee ($millions)	7.1150%	732
Cash dividends to net income (ytd only)*	57.4106%	1,367
Condition Ratios (%)
Loss allowance to loans	1.4778%	3,907
Loan loss allowance to noncurrent loans	208.9971%	1,828
Noncurrent assets plus other real estate owned to assets	1.2034%	3,564
Noncurrent loans to loans	0.7071%	4,714
Net loans and leases to total assets	71.7686%	1,392
Net loans and leases to deposits	79.5484%	2,143
Net loans and leases to core deposits	87.4926%	1,959
Total domestic deposits to total assets	90.2201%	925
Equity capital to assets	9.5546%	4,777
Core capital (leverage) ratio	9.2131%	4,552
Tier 1 risk-based capital ratio	13.0479%	5,183
Total risk-based capital ratio	14.3013%	5,140
Memoranda:
Average total assets	$529,961,500	1,277
Average earning assets	$511,770,500	1,219
Average equity	$49,977,000	1,456
Average total loans	$378,961,500	1,127
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0992%	1,318
Cost of funding earning assets	0.5138%	5,124
Net interest margin	4.5854%	804
Noninterest income to average assets	0.2864%	5,426
Noninterest expense to average assets	2.2714%	5,764
Loan and lease loss provision to assets	0.2437%	2,706
Net operating income to assets	2.2306%	238
Return on assets (ROA)	2.2306%	263
Pretax return on assets	2.2306%	383
Return on Equity (ROE)	23.2262%	170
Retained earnings to average equity (ytd only)	6.9666%	1,583
Net charge-offs to loans	0.1414%	4,282
Credit loss provision to net charge-offs	224.7191%	1,112
Earnings coverage of net charge-offs (x)	22.8127%	1,244
Efficiency ratio	47.8622%	6,717
Assets per employee ($millions)	7.1122%	740
Cash dividends to net income (ytd only)*	70.0055%	1,376
Condition Ratios (%)
Loss allowance to loans	1.5869%	3,377
Loan loss allowance to noncurrent loans	159.1481%	2,255
Noncurrent assets plus other real estate owned to assets	0.7047%	4,720
Noncurrent loans to loans	0.9971%	4,198
Net loans and leases to total assets	69.0731%	2,015
Net loans and leases to deposits	76.4488%	2,726
Net loans and leases to core deposits	82.8221%	2,684
Total domestic deposits to total assets	90.3521%	773
Equity capital to assets	9.3076%	5,144
Core capital (leverage) ratio	9.3098%	4,403
Tier 1 risk-based capital ratio	13.2006%	4,964
Total risk-based capital ratio	14.4556%	4,904
Memoranda:
Average total assets	$492,343,600	1,352
Average earning assets	$478,802,800	1,269
Average equity	$47,282,800	1,477
Average total loans	$377,560,600	1,104
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2150%	1,164
Cost of funding earning assets	0.5430%	5,144
Net interest margin	4.6720%	712
Noninterest income to average assets	0.2860%	5,499
Noninterest expense to average assets	2.1932%	5,969
Loan and lease loss provision to assets	0.1659%	3,452
Net operating income to assets	2.4814%	180
Return on assets (ROA)	2.4814%	194
Pretax return on assets	2.4814%	304
Return on Equity (ROE)	25.6200%	130
Retained earnings to average equity (ytd only)	3.6665%	4,308
Net charge-offs to loans	0.0458%	5,012
Credit loss provision to net charge-offs	461.5385%	580
Earnings coverage of net charge-offs (x)	73.6304%	566
Efficiency ratio	45.3091%	6,851
Assets per employee ($millions)	6.6930%	866
Cash dividends to net income (ytd only)*	85.6888%	538
Condition Ratios (%)
Loss allowance to loans	1.5111%	3,907
Loan loss allowance to noncurrent loans	317.0530%	1,179
Noncurrent assets plus other real estate owned to assets	0.3662%	5,781
Noncurrent loans to loans	0.4766%	5,497
Net loans and leases to total assets	74.5940%	1,162
Net loans and leases to deposits	82.7765%	2,018
Net loans and leases to core deposits	90.2187%	1,961
Total domestic deposits to total assets	90.1150%	788
Equity capital to assets	9.5258%	5,168
Core capital (leverage) ratio	9.1651%	4,810
Tier 1 risk-based capital ratio	12.5172%	5,627
Total risk-based capital ratio	13.7711%	5,585
Memoranda:
Average total assets	$482,076,250	1,397
Average earning assets	$469,965,000	1,313
Average equity	$46,691,500	1,514
Average total loans	$378,354,250	1,118
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2440%	1,154
Cost of funding earning assets	0.5625%	5,208
Net interest margin	4.6815%	701
Noninterest income to average assets	0.2877%	5,508
Noninterest expense to average assets	2.1921%	6,032
Loan and lease loss provision to assets	0.2524%	2,559
Net operating income to assets	2.4083%	200
Return on assets (ROA)	2.4083%	230
Pretax return on assets	2.4083%	339
Return on Equity (ROE)	24.7213%	157
Retained earnings to average equity (ytd only)	1.2695%	5,564
Net charge-offs to loans	0.0651%	4,522
Credit loss provision to net charge-offs	487.8049%	617
Earnings coverage of net charge-offs (x)	51.4228%	712
Efficiency ratio	45.1716%	6,914
Assets per employee ($millions)	6.5565%	928
Cash dividends to net income (ytd only)*	94.8646%	518
Condition Ratios (%)
Loss allowance to loans	1.5222%	3,909
Loan loss allowance to noncurrent loans	220.4676%	1,566
Noncurrent assets plus other real estate owned to assets	0.5431%	5,403
Noncurrent loans to loans	0.6905%	5,123
Net loans and leases to total assets	76.6950%	878
Net loans and leases to deposits	85.6258%	1,647
Net loans and leases to core deposits	94.5101%	1,552
Total domestic deposits to total assets	89.5699%	1,181
Equity capital to assets	9.5861%	4,930
Core capital (leverage) ratio	9.3776%	4,324
Tier 1 risk-based capital ratio	12.2220%	5,775
Total risk-based capital ratio	13.4760%	5,758
Memoranda:
Average total assets	$475,444,330	1,410
Average earning assets	$463,613,670	1,333
Average equity	$46,316,330	1,506
Average total loans	$377,743,670	1,118
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2617%	1,184
Cost of funding earning assets	0.5851%	5,248
Net interest margin	4.6766%	714
Noninterest income to average assets	0.3094%	5,409
Noninterest expense to average assets	2.2220%	5,989
Loan and lease loss provision to assets	0.2550%	2,412
Net operating income to assets	2.3979%	207
Return on assets (ROA)	2.3979%	252
Pretax return on assets	2.3979%	393
Return on Equity (ROE)	24.4139%	202
Retained earnings to average equity (ytd only)	9.8313%	1,312
Net charge-offs to loans	-0.0180%	6,142
Credit loss provision to net charge-offs	-1,764.7059%	6,035
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	45.5798%	6,923
Assets per employee ($millions)	6.3896%	1,042
Cash dividends to net income (ytd only)*	59.7306%	1,201
Condition Ratios (%)
Loss allowance to loans	1.4852%	4,239
Loan loss allowance to noncurrent loans	153.6264%	2,131
Noncurrent assets plus other real estate owned to assets	0.7753%	4,991
Noncurrent loans to loans	0.9668%	4,744
Net loans and leases to total assets	78.4474%	543
Net loans and leases to deposits	87.8184%	1,190
Net loans and leases to core deposits	97.0893%	1,193
Total domestic deposits to total assets	89.3291%	1,467
Equity capital to assets	9.8443%	4,317
Core capital (leverage) ratio	9.6983%	3,775
Tier 1 risk-based capital ratio	12.4878%	5,612
Total risk-based capital ratio	13.7412%	5,577
Memoranda:
Average total assets	$470,575,000	1,425
Average earning assets	$459,395,000	1,351
Average equity	$46,219,500	1,505
Average total loans	$377,684,000	1,120
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5223%	1,115
Cost of funding earning assets	0.7237%	5,381
Net interest margin	4.7986%	625
Noninterest income to average assets	0.3227%	5,233
Noninterest expense to average assets	2.2811%	6,083
Loan and lease loss provision to assets	0.4379%	2,405
Net operating income to assets	2.2817%	195
Return on assets (ROA)	2.2817%	208
Pretax return on assets	2.2817%	315
Return on Equity (ROE)	24.2786%	130
Retained earnings to average equity (ytd only)	7.7861%	1,158
Net charge-offs to loans	0.2352%	4,311
Credit loss provision to net charge-offs	221.4839%	1,098
Earnings coverage of net charge-offs (x)	13.7553%	1,517
Efficiency ratio	45.6150%	7,069
Assets per employee ($millions)	6.3286%	1,041
Cash dividends to net income (ytd only)*	67.9301%	1,222
Condition Ratios (%)
Loss allowance to loans	1.3924%	4,497
Loan loss allowance to noncurrent loans	142.5290%	2,230
Noncurrent assets plus other real estate owned to assets	0.7958%	5,040
Noncurrent loans to loans	0.9769%	4,754
Net loans and leases to total assets	79.7698%	520
Net loans and leases to deposits	90.4657%	1,101
Net loans and leases to core deposits	100.5688%	1,125
Total domestic deposits to total assets	88.1769%	2,038
Equity capital to assets	9.7993%	4,445
Core capital (leverage) ratio	9.5790%	3,905
Tier 1 risk-based capital ratio	12.2201%	5,672
Total risk-based capital ratio	13.4722%	5,646
Memoranda:
Average total assets	$456,715,000	1,440
Average earning assets	$445,230,200	1,358
Average equity	$42,922,600	1,569
Average total loans	$383,880,400	1,106
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5734%	1,093
Cost of funding earning assets	0.7474%	5,483
Net interest margin	4.8261%	595
Noninterest income to average assets	0.3132%	5,362
Noninterest expense to average assets	2.2446%	6,179
Loan and lease loss provision to assets	0.4113%	2,408
Net operating income to assets	2.3604%	191
Return on assets (ROA)	2.3604%	203
Pretax return on assets	2.3604%	324
Return on Equity (ROE)	25.3951%	122
Retained earnings to average equity (ytd only)	3.0187%	4,535
Net charge-offs to loans	0.0197%	5,878
Credit loss provision to net charge-offs	2,456.1404%	109
Earnings coverage of net charge-offs (x)	165.5046%	235
Efficiency ratio	44.7464%	7,118
Assets per employee ($millions)	6.2558%	1,055
Cash dividends to net income (ytd only)*	88.1130%	460
Condition Ratios (%)
Loss allowance to loans	1.4587%	4,300
Loan loss allowance to noncurrent loans	471.8803%	685
Noncurrent assets plus other real estate owned to assets	0.2619%	6,405
Noncurrent loans to loans	0.3091%	6,228
Net loans and leases to total assets	81.6721%	385
Net loans and leases to deposits	92.4390%	977
Net loans and leases to core deposits	100.5844%	1,195
Total domestic deposits to total assets	88.3524%	1,838
Equity capital to assets	9.4797%	5,118
Core capital (leverage) ratio	9.1552%	4,699
Tier 1 risk-based capital ratio	11.5210%	6,231
Total risk-based capital ratio	12.7743%	6,219
Memoranda:
Average total assets	$453,813,750	1,459
Average earning assets	$442,254,750	1,383
Average equity	$42,180,250	1,596
Average total loans	$385,137,250	1,122
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5482%	1,190
Cost of funding earning assets	0.7696%	5,564
Net interest margin	4.7786%	623
Noninterest income to average assets	0.3109%	5,404
Noninterest expense to average assets	2.2188%	6,335
Loan and lease loss provision to assets	0.3533%	2,666
Net operating income to assets	2.4034%	186
Return on assets (ROA)	2.4034%	192
Pretax return on assets	2.4034%	285
Return on Equity (ROE)	26.0320%	113
Retained earnings to average equity (ytd only)	1.2629%	5,351
Net charge-offs to loans	0.0341%	5,377
Credit loss provision to net charge-offs	1,212.1212%	278
Earnings coverage of net charge-offs (x)	94.5758%	378
Efficiency ratio	44.5944%	7,213
Assets per employee ($millions)	6.1289%	1,117
Cash dividends to net income (ytd only)*	95.1488%	539
Condition Ratios (%)
Loss allowance to loans	1.2570%	5,271
Loan loss allowance to noncurrent loans	1,535.0000%	259
Noncurrent assets plus other real estate owned to assets	0.0838%	6,888
Noncurrent loans to loans	0.0819%	6,777
Net loans and leases to total assets	85.0745%	176
Net loans and leases to deposits	96.5535%	684
Net loans and leases to core deposits	105.2278%	972
Total domestic deposits to total assets	88.1113%	2,068
Equity capital to assets	9.2457%	5,205
Core capital (leverage) ratio	9.1637%	4,470
Tier 1 risk-based capital ratio	11.0594%	6,477
Total risk-based capital ratio	12.3101%	6,466
Memoranda:
Average total assets	$452,861,330	1,472
Average earning assets	$442,052,670	1,388
Average equity	$41,810,000	1,602
Average total loans	$387,351,670	1,126
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4425%	1,444
Cost of funding earning assets	0.8098%	5,525
Net interest margin	4.6327%	812
Noninterest income to average assets	0.3164%	5,396
Noninterest expense to average assets	2.2028%	6,418
Loan and lease loss provision to assets	0.2652%	3,016
Net operating income to assets	2.3742%	205
Return on assets (ROA)	2.3742%	212
Pretax return on assets	2.3742%	299
Return on Equity (ROE)	25.7351%	150
Retained earnings to average equity (ytd only)	11.2004%	864
Net charge-offs to loans	0.0228%	4,764
Credit loss provision to net charge-offs	1,363.6364%	294
Earnings coverage of net charge-offs (x)	135.7273%	234
Efficiency ratio	45.4911%	7,225
Assets per employee ($millions)	6.3726%	991
Cash dividends to net income (ytd only)*	56.4780%	1,322
Condition Ratios (%)
Loss allowance to loans	1.1482%	5,858
Loan loss allowance to noncurrent loans	452.8455%	696
Noncurrent assets plus other real estate owned to assets	0.2343%	6,592
Noncurrent loans to loans	0.2535%	6,480
Net loans and leases to total assets	86.0029%	127
Net loans and leases to deposits	97.9536%	574
Net loans and leases to core deposits	107.4610%	869
Total domestic deposits to total assets	87.7997%	2,485
Equity capital to assets	9.5192%	4,400
Core capital (leverage) ratio	9.3756%	4,004
Tier 1 risk-based capital ratio	11.4075%	6,173
Total risk-based capital ratio	12.6101%	6,192
Memoranda:
Average total assets	$452,522,500	1,484
Average earning assets	$442,077,000	1,397
Average equity	$41,748,500	1,596
Average total loans	$385,648,500	1,140
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6684%	1,687
Cost of funding earning assets	1.1438%	4,885
Net interest margin	4.5245%	1,173
Noninterest income to average assets	0.2773%	5,794
Noninterest expense to average assets	2.0808%	6,891
Loan and lease loss provision to assets	0.5467%	2,953
Net operating income to assets	2.0556%	256
Return on assets (ROA)	2.0556%	266
Pretax return on assets	2.0556%	433
Return on Equity (ROE)	23.4780%	126
Retained earnings to average equity (ytd only)	7.6856%	1,088
Net charge-offs to loans	0.1767%	5,261
Credit loss provision to net charge-offs	362.8319%	703
Earnings coverage of net charge-offs (x)	17.2714%	1,162
Efficiency ratio	44.4313%	7,402
Assets per employee ($millions)	6.4643%	959
Cash dividends to net income (ytd only)*	67.2649%	1,322
Condition Ratios (%)
Loss allowance to loans	1.0903%	5,983
Loan loss allowance to noncurrent loans	433.8525%	718
Noncurrent assets plus other real estate owned to assets	0.2233%	6,675
Noncurrent loans to loans	0.2513%	6,563
Net loans and leases to total assets	82.5817%	408
Net loans and leases to deposits	93.6650%	1,091
Net loans and leases to core deposits	102.2003%	1,437
Total domestic deposits to total assets	88.1671%	2,140
Equity capital to assets	8.9405%	5,220
Core capital (leverage) ratio	8.9406%	4,635
Tier 1 risk-based capital ratio	11.2391%	6,142
Total risk-based capital ratio	12.3816%	6,203
Memoranda:
Average total assets	$449,981,800	1,479
Average earning assets	$438,169,600	1,390
Average equity	$39,398,600	1,679
Average total loans	$383,745,800	1,179
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6607%	1,848
Cost of funding earning assets	1.2191%	4,748
Net interest margin	4.4416%	1,393
Noninterest income to average assets	0.2856%	5,831
Noninterest expense to average assets	2.0899%	6,868
Loan and lease loss provision to assets	0.6432%	2,374
Net operating income to assets	1.8737%	433
Return on assets (ROA)	1.8737%	478
Pretax return on assets	1.8737%	807
Return on Equity (ROE)	21.5162%	219
Retained earnings to average equity (ytd only)	0.2394%	5,685
Net charge-offs to loans	0.2438%	4,478
Credit loss provision to net charge-offs	307.6923%	1,034
Earnings coverage of net charge-offs (x)	12.0398%	1,728
Efficiency ratio	45.3652%	7,413
Assets per employee ($millions)	6.5499%	941
Cash dividends to net income (ytd only)*	98.8875%	363
Condition Ratios (%)
Loss allowance to loans	1.0009%	6,391
Loan loss allowance to noncurrent loans	118.2571%	2,396
Noncurrent assets plus other real estate owned to assets	0.8391%	5,413
Noncurrent loans to loans	0.8464%	5,533
Net loans and leases to total assets	83.1403%	397
Net loans and leases to deposits	93.5505%	1,256
Net loans and leases to core deposits	102.5804%	1,593
Total domestic deposits to total assets	88.8722%	1,461
Equity capital to assets	8.4669%	6,315
Core capital (leverage) ratio	8.2736%	5,917
Tier 1 risk-based capital ratio	10.2526%	6,928
Total risk-based capital ratio	11.2886%	7,036
Memoranda:
Average total assets	$447,735,750	1,512
Average earning assets	$435,598,500	1,416
Average equity	$38,989,750	1,712
Average total loans	$383,882,250	1,190
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6810%	1,831
Cost of funding earning assets	1.2831%	4,627
Net interest margin	4.3979%	1,445
Noninterest income to average assets	0.2900%	5,830
Noninterest expense to average assets	2.0921%	6,930
Loan and lease loss provision to assets	0.2702%	4,232
Net operating income to assets	2.2060%	228
Return on assets (ROA)	2.2060%	251
Pretax return on assets	2.2060%	403
Return on Equity (ROE)	25.0933%	120
Retained earnings to average equity (ytd only)	2.4330%	4,608
Net charge-offs to loans	0.0855%	5,285
Credit loss provision to net charge-offs	365.8537%	995
Earnings coverage of net charge-offs (x)	33.5305%	841
Efficiency ratio	45.7960%	7,447
Assets per employee ($millions)	6.5453%	935
Cash dividends to net income (ytd only)*	90.3041%	577
Condition Ratios (%)
Loss allowance to loans	0.7328%	7,181
Loan loss allowance to noncurrent loans	69.2421%	3,882
Noncurrent assets plus other real estate owned to assets	1.0084%	5,131
Noncurrent loans to loans	1.0584%	5,200
Net loans and leases to total assets	83.7269%	376
Net loans and leases to deposits	94.4734%	1,213
Net loans and leases to core deposits	104.5649%	1,580
Total domestic deposits to total assets	88.6248%	1,657
Equity capital to assets	8.5147%	6,148
Core capital (leverage) ratio	8.7033%	5,066
Tier 1 risk-based capital ratio	10.2541%	6,877
Total risk-based capital ratio	11.0074%	7,142
Memoranda:
Average total assets	$444,150,670	1,540
Average earning assets	$432,073,330	1,441
Average equity	$39,046,330	1,698
Average total loans	$383,494,670	1,202
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7135%	1,728
Cost of funding earning assets	1.3376%	4,579
Net interest margin	4.3759%	1,456
Noninterest income to average assets	0.3001%	5,749
Noninterest expense to average assets	2.0469%	7,067
Loan and lease loss provision to assets	0.2745%	3,828
Net operating income to assets	2.2354%	238
Return on assets (ROA)	2.2354%	264
Pretax return on assets	2.2354%	398
Return on Equity (ROE)	25.0157%	162
Retained earnings to average equity (ytd only)	10.2193%	1,094
Net charge-offs to loans	0.0440%	4,981
Credit loss provision to net charge-offs	714.2857%	629
Earnings coverage of net charge-offs (x)	65.3095%	467
Efficiency ratio	44.9197%	7,592
Assets per employee ($millions)	6.1559%	1,167
Cash dividends to net income (ytd only)*	59.1486%	1,267
Condition Ratios (%)
Loss allowance to loans	0.6913%	7,352
Loan loss allowance to noncurrent loans	59.2279%	4,416
Noncurrent assets plus other real estate owned to assets	1.2380%	4,701
Noncurrent loans to loans	1.1671%	5,027
Net loans and leases to total assets	87.2365%	154
Net loans and leases to deposits	99.8447%	763
Net loans and leases to core deposits	111.6652%	1,185
Total domestic deposits to total assets	87.3722%	2,424
Equity capital to assets	9.0551%	5,197
Core capital (leverage) ratio	8.9435%	4,660
Tier 1 risk-based capital ratio	10.4072%	6,713
Total risk-based capital ratio	11.1142%	7,113
Memoranda:
Average total assets	$437,139,500	1,602
Average earning assets	$425,240,000	1,503
Average equity	$39,063,500	1,722
Average total loans	$382,019,000	1,243
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.0392%	1,715
Cost of funding earning assets	1.6622%	4,716
Net interest margin	4.3769%	1,497
Noninterest income to average assets	0.3132%	5,838
Noninterest expense to average assets	2.1816%	7,034
Loan and lease loss provision to assets	0.0943%	6,664
Net operating income to assets	2.2999%	120
Return on assets (ROA)	2.2999%	132
Pretax return on assets	2.2999%	224
Return on Equity (ROE)	26.8174%	73
Retained earnings to average equity (ytd only)	9.3073%	448
Net charge-offs to loans	0.0008%	7,242
Credit loss provision to net charge-offs	13,333.3333%	27
Earnings coverage of net charge-offs (x)	3,386.3333%	3
Efficiency ratio	47.6772%	7,645
Assets per employee ($millions)	6.3364%	1,058
Cash dividends to net income (ytd only)*	65.2936%	1,760
Condition Ratios (%)
Loss allowance to loans	0.6304%	7,515
Loan loss allowance to noncurrent loans	119.4417%	2,364
Noncurrent assets plus other real estate owned to assets	0.6718%	5,788
Noncurrent loans to loans	0.5278%	6,199
Net loans and leases to total assets	86.3896%	256
Net loans and leases to deposits	98.9790%	1,002
Net loans and leases to core deposits	133.7785%	1,067
Total domestic deposits to total assets	87.2807%	2,339
Equity capital to assets	8.8173%	5,403
Core capital (leverage) ratio	8.6613%	4,994
Tier 1 risk-based capital ratio	10.2474%	6,638
Total risk-based capital ratio	10.8923%	7,107
Memoranda:
Average total assets	$424,319,400	1,633
Average earning assets	$413,235,800	1,533
Average equity	$36,390,600	1,851
Average total loans	$370,592,400	1,295
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.0929%	1,672
Cost of funding earning assets	1.7278%	4,754
Net interest margin	4.3651%	1,545
Noninterest income to average assets	0.3261%	5,878
Noninterest expense to average assets	2.1565%	7,088
Loan and lease loss provision to assets	0.0317%	7,040
Net operating income to assets	2.3902%	125
Return on assets (ROA)	2.3902%	138
Pretax return on assets	2.3902%	236
Return on Equity (ROE)	28.0749%	76
Retained earnings to average equity (ytd only)	11.2092%	449
Net charge-offs to loans	-0.0018%	7,589
Credit loss provision to net charge-offs	-2,000.0000%	7,368
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	47.1024%	7,713
Assets per employee ($millions)	6.3110%	1,070
Cash dividends to net income (ytd only)*	60.0742%	1,592
Condition Ratios (%)
Loss allowance to loans	0.5488%	7,645
Loan loss allowance to noncurrent loans	175.9197%	1,665
Noncurrent assets plus other real estate owned to assets	0.5268%	6,143
Noncurrent loans to loans	0.3120%	6,737
Net loans and leases to total assets	87.5551%	231
Net loans and leases to deposits	100.0858%	1,095
Net loans and leases to core deposits	135.9332%	1,103
Total domestic deposits to total assets	87.4800%	1,899
Equity capital to assets	8.7924%	5,811
Core capital (leverage) ratio	8.8074%	4,962
Tier 1 risk-based capital ratio	10.1521%	6,830
Total risk-based capital ratio	10.7187%	7,359
Memoranda:
Average total assets	$421,096,500	1,659
Average earning assets	$410,212,750	1,558
Average equity	$35,850,750	1,900
Average total loans	$368,215,250	1,322
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1316%	1,685
Cost of funding earning assets	1.8121%	4,700
Net interest margin	4.3195%	1,601
Noninterest income to average assets	0.2931%	6,162
Noninterest expense to average assets	2.1969%	7,062
Loan and lease loss provision to assets	0.0000%	7,158
Net operating income to assets	2.2988%	161
Return on assets (ROA)	2.2988%	177
Pretax return on assets	2.2988%	299
Return on Equity (ROE)	27.3127%	100
Retained earnings to average equity (ytd only)	1.4270%	4,531
Net charge-offs to loans	-0.0022%	7,483
Credit loss provision to net charge-offs	0.0000%	6,237
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	48.8673%	7,720
Assets per employee ($millions)	6.1379%	1,131
Cash dividends to net income (ytd only)*	94.7753%	806
Condition Ratios (%)
Loss allowance to loans	0.5332%	7,753
Loan loss allowance to noncurrent loans	154.6718%	1,908
Noncurrent assets plus other real estate owned to assets	0.6796%	5,714
Noncurrent loans to loans	0.3448%	6,653
Net loans and leases to total assets	88.2186%	224
Net loans and leases to deposits	99.2965%	1,355
Net loans and leases to core deposits	132.7121%	1,385
Total domestic deposits to total assets	88.8436%	1,356
Equity capital to assets	8.3910%	6,213
Core capital (leverage) ratio	8.2555%	5,876
Tier 1 risk-based capital ratio	9.5226%	7,370
Total risk-based capital ratio	10.0686%	7,819
Memoranda:
Average total assets	$416,310,000	1,695
Average earning assets	$405,050,000	1,601
Average equity	$35,038,670	1,939
Average total loans	$363,164,330	1,376
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1541%	1,744
Cost of funding earning assets	1.9011%	4,624
Net interest margin	4.2530%	1,738
Noninterest income to average assets	0.2927%	6,094
Noninterest expense to average assets	2.1371%	7,040
Loan and lease loss provision to assets	0.0000%	6,744
Net operating income to assets	2.2970%	190
Return on assets (ROA)	2.2970%	226
Pretax return on assets	2.2970%	366
Return on Equity (ROE)	27.2496%	139
Retained earnings to average equity (ytd only)	8.4853%	1,637
Net charge-offs to loans	-0.0034%	7,142
Credit loss provision to net charge-offs	0.0000%	5,248
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	48.1967%	7,720
Assets per employee ($millions)	6.2171%	1,082
Cash dividends to net income (ytd only)*	68.8608%	1,292
Condition Ratios (%)
Loss allowance to loans	0.5530%	7,750
Loan loss allowance to noncurrent loans	178.2725%	1,842
Noncurrent assets plus other real estate owned to assets	0.6883%	5,437
Noncurrent loans to loans	0.3102%	6,660
Net loans and leases to total assets	85.1553%	530
Net loans and leases to deposits	95.7190%	1,987
Net loans and leases to core deposits	125.8555%	1,924
Total domestic deposits to total assets	88.9638%	1,244
Equity capital to assets	8.4085%	6,216
Core capital (leverage) ratio	8.6293%	5,283
Tier 1 risk-based capital ratio	9.8460%	7,091
Total risk-based capital ratio	10.4024%	7,704
Memoranda:
Average total assets	$412,707,500	1,718
Average earning assets	$401,877,500	1,625
Average equity	$34,789,500	1,958
Average total loans	$356,935,500	1,411
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.7467%	1,878
Cost of funding earning assets	2.2972%	5,161
Net interest margin	4.4495%	1,539
Noninterest income to average assets	0.3257%	6,117
Noninterest expense to average assets	2.1383%	7,139
Loan and lease loss provision to assets	0.0000%	7,334
Net operating income to assets	2.4814%	132
Return on assets (ROA)	2.4850%	131
Pretax return on assets	2.4850%	203
Return on Equity (ROE)	29.8150%	64
Retained earnings to average equity (ytd only)	5.9526%	1,555
Net charge-offs to loans	0.0188%	6,603
Credit loss provision to net charge-offs	0.0000%	6,652
Earnings coverage of net charge-offs (x)	154.4127%	296
Efficiency ratio	46.2868%	7,910
Assets per employee ($millions)	5.8355%	1,240
Cash dividends to net income (ytd only)*	80.0349%	1,715
Condition Ratios (%)
Loss allowance to loans	0.5681%	7,733
Loan loss allowance to noncurrent loans	348.8656%	1,164
Noncurrent assets plus other real estate owned to assets	0.4023%	6,012
Noncurrent loans to loans	0.1628%	6,911
Net loans and leases to total assets	86.8901%	480
Net loans and leases to deposits	96.9660%	2,294
Net loans and leases to core deposits	127.8313%	2,014
Total domestic deposits to total assets	89.6089%	804
Equity capital to assets	8.4517%	6,170
Core capital (leverage) ratio	8.5350%	5,510
Tier 1 risk-based capital ratio	9.9706%	6,764
Total risk-based capital ratio	10.5452%	7,451
Memoranda:
Average total assets	$392,034,200	1,729
Average earning assets	$378,334,800	1,644
Average equity	$32,674,800	2,073
Average total loans	$335,421,600	1,446