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Royal Banks of Missouri, 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	5.0138%	2,043
Cost of funding earning assets	1.6967%	1,461
Net interest margin	3.3171%	2,586
Noninterest income to average assets	0.3800%	2,615
Noninterest expense to average assets	2.1941%	3,147
Loan and lease loss provision to assets	0.0200%	2,739
Net operating income to assets	0.8719%	2,627
Return on assets (ROA)	0.8780%	2,584
Pretax return on assets	1.1197%	2,354
Return on Equity (ROE)	6.7100%	3,359
Retained earnings to average equity (ytd only)	3.6593%	3,068
Net charge-offs to loans	0.0036%	2,633
Credit loss provision to net charge-offs	-264.0000%	4,514
Earnings coverage of net charge-offs (x)	463.7600%	308
Efficiency ratio	64.9495%	2,491
Assets per employee ($millions)	8.3511%	1,249
Cash dividends to net income (ytd only)*	45.4809%	1,826
Condition Ratios (%)
Loss allowance to loans	0.7300%	4,078
Loan loss allowance to noncurrent loans	137.9258%	2,949
Noncurrent assets plus other real estate owned to assets	1.7282%	195
Noncurrent loans to loans	0.5293%	1,465
Net loans and leases to total assets	70.6800%	1,736
Net loans and leases to deposits	82.0961%	1,940
Net loans and leases to core deposits	94.5583%	1,734
Total domestic deposits to total assets	86.1000%	1,979
Equity capital to assets	13.1708%	830
Core capital (leverage) ratio	12.0095%	1,411
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.6909%	1,630
Memoranda:
Average total assets	$1,020,765,400	967
Average earning assets	$907,894,200	989
Average equity	$133,523,000	744
Average total loans	$699,282,400	962
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9426%	1,963
Cost of funding earning assets	1.5567%	1,468
Net interest margin	3.3860%	2,483
Noninterest income to average assets	0.4200%	2,376
Noninterest expense to average assets	2.2178%	3,030
Loan and lease loss provision to assets	0.0200%	2,562
Net operating income to assets	0.9292%	2,583
Return on assets (ROA)	0.9336%	2,559
Pretax return on assets	1.1932%	2,313
Return on Equity (ROE)	7.1500%	3,391
Retained earnings to average equity (ytd only)	3.3008%	3,442
Net charge-offs to loans	0.0074%	2,156
Credit loss provision to net charge-offs	-128.9474%	4,532
Earnings coverage of net charge-offs (x)	242.4737%	522
Efficiency ratio	63.7736%	2,527
Assets per employee ($millions)	8.2733%	1,222
Cash dividends to net income (ytd only)*	53.8342%	1,121
Condition Ratios (%)
Loss allowance to loans	0.8064%	3,968
Loan loss allowance to noncurrent loans	254.3326%	2,206
Noncurrent assets plus other real estate owned to assets	1.6091%	218
Noncurrent loans to loans	0.3170%	2,096
Net loans and leases to total assets	66.1800%	2,223
Net loans and leases to deposits	76.9444%	2,340
Net loans and leases to core deposits	87.8597%	2,058
Total domestic deposits to total assets	86.0100%	2,190
Equity capital to assets	13.2430%	767
Core capital (leverage) ratio	11.9373%	1,474
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.3953%	1,450
Memoranda:
Average total assets	$1,014,985,250	974
Average earning assets	$901,978,750	997
Average equity	$132,531,750	740
Average total loans	$688,287,750	975
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8323%	1,922
Cost of funding earning assets	1.4018%	1,444
Net interest margin	3.4304%	2,443
Noninterest income to average assets	0.4800%	1,983
Noninterest expense to average assets	2.2622%	2,909
Loan and lease loss provision to assets	0.0200%	2,476
Net operating income to assets	0.9754%	2,505
Return on assets (ROA)	0.9803%	2,469
Pretax return on assets	1.2546%	2,210
Return on Equity (ROE)	7.5400%	3,355
Retained earnings to average equity (ytd only)	4.0196%	3,204
Net charge-offs to loans	0.0032%	2,213
Credit loss provision to net charge-offs	854.5455%	457
Earnings coverage of net charge-offs (x)	585.6364%	252
Efficiency ratio	63.2078%	2,571
Assets per employee ($millions)	7.2122%	1,781
Cash dividends to net income (ytd only)*	46.7095%	1,422
Condition Ratios (%)
Loss allowance to loans	0.8341%	3,941
Loan loss allowance to noncurrent loans	216.7183%	2,502
Noncurrent assets plus other real estate owned to assets	1.6530%	202
Noncurrent loans to loans	0.3849%	1,772
Net loans and leases to total assets	65.9400%	2,159
Net loans and leases to deposits	76.6420%	2,246
Net loans and leases to core deposits	83.2281%	2,256
Total domestic deposits to total assets	86.0300%	2,220
Equity capital to assets	13.2105%	770
Core capital (leverage) ratio	11.9567%	1,396
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.3681%	1,467
Memoranda:
Average total assets	$1,016,868,000	959
Average earning assets	$903,385,000	991
Average equity	$132,153,667	738
Average total loans	$693,251,667	949
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7336%	1,772
Cost of funding earning assets	1.2789%	1,275
Net interest margin	3.4547%	2,483
Noninterest income to average assets	0.2700%	3,286
Noninterest expense to average assets	2.1191%	3,334
Loan and lease loss provision to assets	0.0200%	2,260
Net operating income to assets	0.9428%	2,711
Return on assets (ROA)	0.9490%	2,654
Pretax return on assets	1.2120%	2,399
Return on Equity (ROE)	7.3600%	3,444
Retained earnings to average equity (ytd only)	2.1074%	3,682
Net charge-offs to loans	0.0085%	1,627
Credit loss provision to net charge-offs	313.3333%	677
Earnings coverage of net charge-offs (x)	207.9333%	495
Efficiency ratio	62.4751%	2,635
Assets per employee ($millions)	8.5794%	1,098
Cash dividends to net income (ytd only)*	71.3755%	769
Condition Ratios (%)
Loss allowance to loans	0.7998%	4,084
Loan loss allowance to noncurrent loans	229.6358%	2,514
Noncurrent assets plus other real estate owned to assets	1.6654%	177
Noncurrent loans to loans	0.3483%	1,895
Net loans and leases to total assets	67.9700%	1,836
Net loans and leases to deposits	78.7630%	1,907
Net loans and leases to core deposits	87.1255%	1,796
Total domestic deposits to total assets	86.3000%	2,507
Equity capital to assets	13.0337%	753
Core capital (leverage) ratio	11.5679%	1,527
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.3966%	1,831
Memoranda:
Average total assets	$1,020,451,000	968
Average earning assets	$906,718,500	1,003
Average equity	$131,537,000	749
Average total loans	$704,186,500	952
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7415%	2,427
Cost of funding earning assets	0.4567%	1,675
Net interest margin	3.2848%	2,606
Noninterest income to average assets	0.3200%	3,192
Noninterest expense to average assets	1.9416%	3,744
Loan and lease loss provision to assets	0.1100%	1,145
Net operating income to assets	0.9624%	2,713
Return on assets (ROA)	0.9637%	2,651
Pretax return on assets	1.2248%	2,359
Return on Equity (ROE)	7.7300%	3,452
Retained earnings to average equity (ytd only)	4.5203%	3,228
Net charge-offs to loans	0.4483%	169
Credit loss provision to net charge-offs	37.3813%	1,869
Earnings coverage of net charge-offs (x)	4.5476%	2,413
Efficiency ratio	58.2762%	3,301
Assets per employee ($millions)	8.7164%	1,011
Cash dividends to net income (ytd only)*	41.5389%	1,822
Condition Ratios (%)
Loss allowance to loans	0.5576%	4,390
Loan loss allowance to noncurrent loans	183.8100%	2,765
Noncurrent assets plus other real estate owned to assets	1.6151%	183
Noncurrent loans to loans	0.3033%	2,055
Net loans and leases to total assets	69.1000%	1,720
Net loans and leases to deposits	79.8114%	1,785
Net loans and leases to core deposits	85.9942%	1,752
Total domestic deposits to total assets	86.5800%	2,543
Equity capital to assets	12.7487%	757
Core capital (leverage) ratio	11.7138%	1,404
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.1278%	1,930
Memoranda:
Average total assets	$1,042,469,600	946
Average earning assets	$937,891,800	961
Average equity	$129,924,000	753
Average total loans	$681,515,800	929
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5158%	2,569
Cost of funding earning assets	0.3582%	1,636
Net interest margin	3.1577%	2,749
Noninterest income to average assets	0.3400%	3,099
Noninterest expense to average assets	1.9259%	3,687
Loan and lease loss provision to assets	0.1400%	734
Net operating income to assets	0.8870%	2,931
Return on assets (ROA)	0.8868%	2,902
Pretax return on assets	1.1228%	2,650
Return on Equity (ROE)	7.1600%	3,563
Retained earnings to average equity (ytd only)	3.3676%	3,683
Net charge-offs to loans	0.6058%	107
Credit loss provision to net charge-offs	35.2730%	1,582
Earnings coverage of net charge-offs (x)	3.2328%	2,213
Efficiency ratio	59.3631%	3,202
Assets per employee ($millions)	8.3478%	1,146
Cash dividends to net income (ytd only)*	52.9395%	1,077
Condition Ratios (%)
Loss allowance to loans	0.5825%	4,396
Loan loss allowance to noncurrent loans	163.1141%	2,930
Noncurrent assets plus other real estate owned to assets	1.6678%	189
Noncurrent loans to loans	0.3571%	1,956
Net loans and leases to total assets	66.2000%	1,865
Net loans and leases to deposits	76.4287%	1,840
Net loans and leases to core deposits	81.2412%	1,812
Total domestic deposits to total assets	86.6200%	2,879
Equity capital to assets	12.6800%	734
Core capital (leverage) ratio	11.3973%	1,493
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.4007%	1,903
Memoranda:
Average total assets	$1,045,952,750	948
Average earning assets	$944,086,500	967
Average equity	$129,623,750	766
Average total loans	$673,222,000	933
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2844%	2,788
Cost of funding earning assets	0.3210%	1,517
Net interest margin	2.9634%	2,995
Noninterest income to average assets	0.2405%	3,731
Noninterest expense to average assets	1.8847%	3,743
Loan and lease loss provision to assets	0.0129%	2,364
Net operating income to assets	0.8196%	2,890
Return on assets (ROA)	0.8218%	2,853
Pretax return on assets	1.0424%	2,595
Return on Equity (ROE)	6.6805%	3,401
Retained earnings to average equity (ytd only)	3.3303%	3,336
Net charge-offs to loans	0.0214%	1,300
Credit loss provision to net charge-offs	94.4444%	1,325
Earnings coverage of net charge-offs (x)	77.3194%	950
Efficiency ratio	62.9634%	2,924
Assets per employee ($millions)	8.4999%	1,067
Cash dividends to net income (ytd only)*	50.1495%	1,336
Condition Ratios (%)
Loss allowance to loans	0.8864%	3,993
Loan loss allowance to noncurrent loans	25.4347%	3,949
Noncurrent assets plus other real estate owned to assets	2.2350%	105
Noncurrent loans to loans	3.4852%	124
Net loans and leases to total assets	63.5613%	1,958
Net loans and leases to deposits	73.2396%	1,939
Net loans and leases to core deposits	76.6891%	1,958
Total domestic deposits to total assets	86.7853%	3,015
Equity capital to assets	12.4694%	768
Core capital (leverage) ratio	11.1119%	1,544
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.7062%	1,799
Memoranda:
Average total assets	$1,057,911,000	931
Average earning assets	$962,674,333	943
Average equity	$130,139,000	774
Average total loans	$673,428,333	925
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3412%	2,264
Cost of funding earning assets	0.3141%	1,522
Net interest margin	3.0271%	2,417
Noninterest income to average assets	0.2250%	3,811
Noninterest expense to average assets	1.8432%	3,828
Loan and lease loss provision to assets	0.0127%	2,112
Net operating income to assets	0.8841%	2,341
Return on assets (ROA)	0.8918%	2,307
Pretax return on assets	1.1356%	2,034
Return on Equity (ROE)	7.2980%	2,944
Retained earnings to average equity (ytd only)	1.7801%	3,604
Net charge-offs to loans	0.2721%	234
Credit loss provision to net charge-offs	7.3753%	1,322
Earnings coverage of net charge-offs (x)	6.5965%	1,566
Efficiency ratio	60.5977%	3,421
Assets per employee ($millions)	8.8084%	981
Cash dividends to net income (ytd only)*	75.6087%	766
Condition Ratios (%)
Loss allowance to loans	0.8415%	4,167
Loan loss allowance to noncurrent loans	134.5794%	3,091
Noncurrent assets plus other real estate owned to assets	0.3879%	1,557
Noncurrent loans to loans	0.6253%	1,501
Net loans and leases to total assets	61.5152%	1,915
Net loans and leases to deposits	70.5937%	1,904
Net loans and leases to core deposits	75.9554%	1,784
Total domestic deposits to total assets	87.1398%	2,878
Equity capital to assets	12.3514%	844
Core capital (leverage) ratio	10.9938%	1,520
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.1344%	1,755
Memoranda:
Average total assets	$1,068,374,500	925
Average earning assets	$972,941,000	937
Average equity	$130,555,500	787
Average total loans	$677,635,000	908
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3818%	2,978
Cost of funding earning assets	0.4110%	1,461
Net interest margin	2.9708%	3,272
Noninterest income to average assets	0.2758%	3,740
Noninterest expense to average assets	1.8113%	4,127
Loan and lease loss provision to assets	0.0183%	2,704
Net operating income to assets	0.9176%	2,980
Return on assets (ROA)	0.9211%	3,032
Pretax return on assets	1.1485%	2,823
Return on Equity (ROE)	7.1817%	3,466
Retained earnings to average equity (ytd only)	5.3818%	2,630
Net charge-offs to loans	0.0078%	2,287
Credit loss provision to net charge-offs	350.0000%	991
Earnings coverage of net charge-offs (x)	222.4600%	503
Efficiency ratio	59.9051%	3,164
Assets per employee ($millions)	9.2250%	859
Cash dividends to net income (ytd only)*	25.0624%	2,787
Condition Ratios (%)
Loss allowance to loans	0.8224%	4,231
Loan loss allowance to noncurrent loans	69.8134%	3,694
Noncurrent assets plus other real estate owned to assets	0.7629%	802
Noncurrent loans to loans	1.1780%	818
Net loans and leases to total assets	64.2320%	1,673
Net loans and leases to deposits	74.0017%	1,725
Net loans and leases to core deposits	78.1762%	1,745
Total domestic deposits to total assets	86.7980%	2,582
Equity capital to assets	12.0935%	1,215
Core capital (leverage) ratio	10.8396%	1,664
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.3367%	2,111
Memoranda:
Average total assets	$956,893,200	990
Average earning assets	$869,001,600	1,012
Average equity	$122,729,200	845
Average total loans	$642,906,800	944
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4814%	2,891
Cost of funding earning assets	0.4885%	1,109
Net interest margin	2.9928%	3,325
Noninterest income to average assets	0.2661%	3,813
Noninterest expense to average assets	1.7882%	4,192
Loan and lease loss provision to assets	0.0176%	2,655
Net operating income to assets	0.9304%	3,149
Return on assets (ROA)	0.9429%	3,191
Pretax return on assets	1.1892%	2,967
Return on Equity (ROE)	7.2297%	3,607
Retained earnings to average equity (ytd only)	4.9902%	3,225
Net charge-offs to loans	0.0070%	2,060
Credit loss provision to net charge-offs	369.6970%	905
Earnings coverage of net charge-offs (x)	250.1212%	484
Efficiency ratio	58.9315%	3,132
Assets per employee ($millions)	8.4537%	1,070
Cash dividends to net income (ytd only)*	30.9764%	2,027
Condition Ratios (%)
Loss allowance to loans	0.8290%	4,308
Loan loss allowance to noncurrent loans	136.1853%	3,041
Noncurrent assets plus other real estate owned to assets	0.4069%	1,830
Noncurrent loans to loans	0.6087%	1,785
Net loans and leases to total assets	66.2880%	1,505
Net loans and leases to deposits	76.8851%	1,588
Net loans and leases to core deposits	81.5738%	1,604
Total domestic deposits to total assets	86.2170%	2,658
Equity capital to assets	12.4663%	1,188
Core capital (leverage) ratio	10.7901%	1,820
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.2677%	2,271
Memoranda:
Average total assets	$923,977,750	1,032
Average earning assets	$837,622,750	1,057
Average equity	$120,500,500	873
Average total loans	$627,383,750	984
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4111%	3,148
Cost of funding earning assets	0.5159%	1,115
Net interest margin	2.8951%	3,585
Noninterest income to average assets	0.2896%	3,686
Noninterest expense to average assets	1.7351%	4,311
Loan and lease loss provision to assets	0.0183%	2,593
Net operating income to assets	0.8954%	3,231
Return on assets (ROA)	0.8954%	3,314
Pretax return on assets	1.1577%	3,034
Return on Equity (ROE)	6.7496%	3,718
Retained earnings to average equity (ytd only)	4.6263%	3,321
Net charge-offs to loans	0.0268%	1,417
Credit loss provision to net charge-offs	100.0000%	1,360
Earnings coverage of net charge-offs (x)	64.2716%	941
Efficiency ratio	58.3767%	3,234
Assets per employee ($millions)	9.1539%	817
Cash dividends to net income (ytd only)*	31.4581%	1,994
Condition Ratios (%)
Loss allowance to loans	0.9253%	4,075
Loan loss allowance to noncurrent loans	127.1627%	3,077
Noncurrent assets plus other real estate owned to assets	0.4924%	1,701
Noncurrent loans to loans	0.7277%	1,630
Net loans and leases to total assets	67.0372%	1,574
Net loans and leases to deposits	77.7283%	1,657
Net loans and leases to core deposits	82.2441%	1,702
Total domestic deposits to total assets	86.2455%	2,651
Equity capital to assets	12.8495%	998
Core capital (leverage) ratio	10.8942%	1,662
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.5830%	2,127
Memoranda:
Average total assets	$885,367,333	1,067
Average earning assets	$801,687,667	1,089
Average equity	$117,458,667	883
Average total loans	$604,834,667	1,029
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3874%	3,233
Cost of funding earning assets	0.5237%	1,249
Net interest margin	2.8638%	3,609
Noninterest income to average assets	0.2935%	3,645
Noninterest expense to average assets	1.7752%	4,255
Loan and lease loss provision to assets	0.0210%	2,506
Net operating income to assets	0.8444%	3,288
Return on assets (ROA)	0.8444%	3,367
Pretax return on assets	1.0849%	3,148
Return on Equity (ROE)	6.2629%	3,783
Retained earnings to average equity (ytd only)	2.8483%	3,826
Net charge-offs to loans	-0.0047%	3,368
Credit loss provision to net charge-offs	-657.1429%	3,244
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	60.3142%	2,993
Assets per employee ($millions)	9.1243%	795
Cash dividends to net income (ytd only)*	54.5208%	1,014
Condition Ratios (%)
Loss allowance to loans	0.9495%	4,019
Loan loss allowance to noncurrent loans	117.4082%	3,139
Noncurrent assets plus other real estate owned to assets	0.5510%	1,718
Noncurrent loans to loans	0.8087%	1,645
Net loans and leases to total assets	67.4882%	1,596
Net loans and leases to deposits	78.7220%	1,642
Net loans and leases to core deposits	85.0891%	1,584
Total domestic deposits to total assets	85.7298%	2,845
Equity capital to assets	13.3520%	821
Core capital (leverage) ratio	11.5827%	1,359
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.1727%	1,851
Memoranda:
Average total assets	$874,933,000	1,067
Average earning assets	$790,570,500	1,092
Average equity	$117,964,500	876
Average total loans	$600,657,500	1,031
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2259%	2,068
Cost of funding earning assets	0.9728%	661
Net interest margin	3.2531%	3,198
Noninterest income to average assets	0.2996%	3,682
Noninterest expense to average assets	1.8449%	4,398
Loan and lease loss provision to assets	0.1626%	2,343
Net operating income to assets	0.9532%	2,467
Return on assets (ROA)	0.9881%	2,478
Pretax return on assets	1.2728%	2,073
Return on Equity (ROE)	6.6771%	3,338
Retained earnings to average equity (ytd only)	4.2626%	2,674
Net charge-offs to loans	0.0095%	2,977
Credit loss provision to net charge-offs	2,205.2632%	411
Earnings coverage of net charge-offs (x)	188.6667%	492
Efficiency ratio	55.7865%	4,011
Assets per employee ($millions)	8.6481%	848
Cash dividends to net income (ytd only)*	36.1613%	2,549
Condition Ratios (%)
Loss allowance to loans	0.9482%	4,049
Loan loss allowance to noncurrent loans	109.4329%	3,210
Noncurrent assets plus other real estate owned to assets	0.5994%	1,758
Noncurrent loans to loans	0.8665%	1,631
Net loans and leases to total assets	68.5246%	1,760
Net loans and leases to deposits	80.1029%	1,855
Net loans and leases to core deposits	87.2049%	1,772
Total domestic deposits to total assets	85.5458%	2,550
Equity capital to assets	13.6165%	894
Core capital (leverage) ratio	11.7393%	1,351
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.1803%	1,786
Memoranda:
Average total assets	$772,994,800	1,086
Average earning assets	$697,766,000	1,107
Average equity	$114,390,800	862
Average total loans	$598,100,400	980
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1860%	2,434
Cost of funding earning assets	1.0927%	553
Net interest margin	3.0933%	3,755
Noninterest income to average assets	0.5770%	2,269
Noninterest expense to average assets	1.9202%	4,293
Loan and lease loss provision to assets	0.2138%	1,882
Net operating income to assets	0.9729%	2,441
Return on assets (ROA)	1.0208%	2,386
Pretax return on assets	1.2975%	2,058
Return on Equity (ROE)	6.7411%	3,296
Retained earnings to average equity (ytd only)	5.8464%	2,175
Net charge-offs to loans	0.0283%	2,265
Credit loss provision to net charge-offs	946.4567%	863
Earnings coverage of net charge-offs (x)	64.2362%	1,053
Efficiency ratio	55.8263%	3,938
Assets per employee ($millions)	8.2315%	919
Cash dividends to net income (ytd only)*	13.2729%	3,049
Condition Ratios (%)
Loss allowance to loans	0.8628%	4,187
Loan loss allowance to noncurrent loans	101.0011%	3,262
Noncurrent assets plus other real estate owned to assets	0.6480%	1,796
Noncurrent loans to loans	0.8543%	1,730
Net loans and leases to total assets	75.1974%	1,209
Net loans and leases to deposits	88.2086%	1,459
Net loans and leases to core deposits	98.0999%	1,301
Total domestic deposits to total assets	85.2494%	2,336
Equity capital to assets	13.6597%	953
Core capital (leverage) ratio	11.8900%	1,385
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.3563%	2,049
Memoranda:
Average total assets	$749,845,250	1,096
Average earning assets	$677,222,000	1,116
Average equity	$113,549,250	863
Average total loans	$598,055,000	974
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3717%	2,276
Cost of funding earning assets	1.2248%	468
Net interest margin	3.1469%	3,792
Noninterest income to average assets	0.7173%	1,679
Noninterest expense to average assets	1.9652%	4,300
Loan and lease loss provision to assets	0.3126%	1,377
Net operating income to assets	1.0078%	2,293
Return on assets (ROA)	1.0823%	2,148
Pretax return on assets	1.3754%	1,787
Return on Equity (ROE)	6.8815%	3,175
Retained earnings to average equity (ytd only)	5.5304%	2,267
Net charge-offs to loans	0.0391%	1,960
Credit loss provision to net charge-offs	983.3333%	803
Earnings coverage of net charge-offs (x)	50.1316%	1,103
Efficiency ratio	54.0903%	4,168
Assets per employee ($millions)	8.5434%	796
Cash dividends to net income (ytd only)*	19.6341%	2,756
Condition Ratios (%)
Loss allowance to loans	0.8677%	4,128
Loan loss allowance to noncurrent loans	118.9494%	2,975
Noncurrent assets plus other real estate owned to assets	0.7262%	1,693
Noncurrent loans to loans	0.7294%	2,054
Net loans and leases to total assets	82.3423%	391
Net loans and leases to deposits	104.1076%	372
Net loans and leases to core deposits	118.3188%	472
Total domestic deposits to total assets	79.0935%	4,025
Equity capital to assets	14.9782%	623
Core capital (leverage) ratio	14.4799%	657
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.0291%	1,479
Memoranda:
Average total assets	$717,178,667	1,119
Average earning assets	$647,617,667	1,144
Average equity	$112,794,667	862
Average total loans	$583,038,000	984
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6293%	1,914
Cost of funding earning assets	1.3689%	454
Net interest margin	3.2604%	3,692
Noninterest income to average assets	0.2553%	4,014
Noninterest expense to average assets	1.9828%	4,430
Loan and lease loss provision to assets	0.0345%	3,337
Net operating income to assets	0.9082%	2,495
Return on assets (ROA)	1.0063%	2,260
Pretax return on assets	1.3002%	1,870
Return on Equity (ROE)	6.2362%	3,227
Retained earnings to average equity (ytd only)	6.2362%	1,793
Net charge-offs to loans	-0.0007%	3,594
Credit loss provision to net charge-offs	-6,000.0000%	3,895
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	60.7419%	3,648
Assets per employee ($millions)	7.7972%	800
Cash dividends to net income (ytd only)*	0.0000%	2,581
Condition Ratios (%)
Loss allowance to loans	0.8175%	4,368
Loan loss allowance to noncurrent loans	91.7257%	3,370
Noncurrent assets plus other real estate owned to assets	0.8442%	1,589
Noncurrent loans to loans	0.8913%	1,831
Net loans and leases to total assets	79.2659%	782
Net loans and leases to deposits	95.7116%	939
Net loans and leases to core deposits	112.9834%	711
Total domestic deposits to total assets	82.8174%	3,165
Equity capital to assets	16.1871%	549
Core capital (leverage) ratio	15.0326%	680
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.4983%	1,473
Memoranda:
Average total assets	$695,588,000	1,123
Average earning assets	$626,789,000	1,142
Average equity	$112,248,000	855
Average total loans	$558,768,000	999
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9635%	1,575
Cost of funding earning assets	1.4173%	523
Net interest margin	3.5461%	3,301
Noninterest income to average assets	0.2439%	4,221
Noninterest expense to average assets	1.9949%	4,540
Loan and lease loss provision to assets	0.1532%	1,374
Net operating income to assets	1.0030%	2,835
Return on assets (ROA)	1.0030%	2,922
Pretax return on assets	1.2831%	2,563
Return on Equity (ROE)	6.3123%	3,812
Retained earnings to average equity (ytd only)	3.7331%	3,120
Net charge-offs to loans	0.2027%	1,010
Credit loss provision to net charge-offs	93.8992%	2,606
Earnings coverage of net charge-offs (x)	8.8037%	2,731
Efficiency ratio	56.5627%	4,138
Assets per employee ($millions)	8.0141%	713
Cash dividends to net income (ytd only)*	40.8601%	2,556
Condition Ratios (%)
Loss allowance to loans	0.7946%	4,318
Loan loss allowance to noncurrent loans	81.8182%	3,561
Noncurrent assets plus other real estate owned to assets	0.9506%	1,334
Noncurrent loans to loans	0.9712%	1,575
Net loans and leases to total assets	80.0979%	772
Net loans and leases to deposits	96.7099%	870
Net loans and leases to core deposits	114.3343%	658
Total domestic deposits to total assets	82.8229%	3,261
Equity capital to assets	16.0874%	587
Core capital (leverage) ratio	15.3638%	616
Tier 1 risk-based capital ratio	15.5280%	2,573
Total risk-based capital ratio	16.1993%	2,741
Memoranda:
Average total assets	$693,233,600	1,077
Average earning assets	$623,072,400	1,106
Average equity	$110,149,800	825
Average total loans	$557,970,200	965
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0028%	1,528
Cost of funding earning assets	1.4252%	527
Net interest margin	3.5776%	3,309
Noninterest income to average assets	0.2383%	4,311
Noninterest expense to average assets	1.9860%	4,582
Loan and lease loss provision to assets	0.1886%	951
Net operating income to assets	0.9931%	3,006
Return on assets (ROA)	0.9931%	3,074
Pretax return on assets	1.2795%	2,729
Return on Equity (ROE)	6.2697%	3,963
Retained earnings to average equity (ytd only)	4.2329%	3,281
Net charge-offs to loans	0.2201%	806
Credit loss provision to net charge-offs	106.5288%	2,142
Earnings coverage of net charge-offs (x)	8.2938%	2,672
Efficiency ratio	55.8691%	4,180
Assets per employee ($millions)	7.9521%	702
Cash dividends to net income (ytd only)*	32.4865%	2,490
Condition Ratios (%)
Loss allowance to loans	0.8370%	4,283
Loan loss allowance to noncurrent loans	135.9929%	2,788
Noncurrent assets plus other real estate owned to assets	0.8301%	1,661
Noncurrent loans to loans	0.6154%	2,437
Net loans and leases to total assets	81.6265%	613
Net loans and leases to deposits	100.2053%	617
Net loans and leases to core deposits	117.8851%	600
Total domestic deposits to total assets	81.4593%	3,623
Equity capital to assets	16.6721%	526
Core capital (leverage) ratio	15.1813%	698
Tier 1 risk-based capital ratio	15.7032%	2,558
Total risk-based capital ratio	16.4081%	2,707
Memoranda:
Average total assets	$692,234,750	1,079
Average earning assets	$622,228,250	1,108
Average equity	$109,645,750	827
Average total loans	$556,728,000	967
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9675%	1,569
Cost of funding earning assets	1.4003%	534
Net interest margin	3.5672%	3,372
Noninterest income to average assets	0.2547%	4,231
Noninterest expense to average assets	2.0134%	4,584
Loan and lease loss provision to assets	0.2179%	764
Net operating income to assets	0.9610%	3,054
Return on assets (ROA)	0.9610%	3,129
Pretax return on assets	1.2354%	2,800
Return on Equity (ROE)	6.1702%	3,994
Retained earnings to average equity (ytd only)	3.8782%	3,306
Net charge-offs to loans	0.1878%	882
Credit loss provision to net charge-offs	145.3333%	1,529
Earnings coverage of net charge-offs (x)	9.6933%	2,325
Efficiency ratio	56.4132%	4,201
Assets per employee ($millions)	7.9022%	698
Cash dividends to net income (ytd only)*	37.1471%	2,328
Condition Ratios (%)
Loss allowance to loans	0.8666%	4,212
Loan loss allowance to noncurrent loans	77.5848%	3,696
Noncurrent assets plus other real estate owned to assets	1.0076%	1,387
Noncurrent loans to loans	1.1170%	1,461
Net loans and leases to total assets	79.5320%	959
Net loans and leases to deposits	95.8676%	1,050
Net loans and leases to core deposits	111.5796%	882
Total domestic deposits to total assets	82.9603%	3,219
Equity capital to assets	16.0452%	614
Core capital (leverage) ratio	14.6580%	786
Tier 1 risk-based capital ratio	15.2950%	2,715
Total risk-based capital ratio	16.0154%	2,864
Memoranda:
Average total assets	$700,320,000	1,075
Average earning assets	$630,581,670	1,096
Average equity	$109,072,330	822
Average total loans	$559,020,670	964
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7868%	1,942
Cost of funding earning assets	1.3768%	498
Net interest margin	3.4100%	3,865
Noninterest income to average assets	0.2388%	4,293
Noninterest expense to average assets	1.9770%	4,686
Loan and lease loss provision to assets	0.0781%	2,123
Net operating income to assets	0.9837%	2,907
Return on assets (ROA)	0.9837%	2,949
Pretax return on assets	1.2565%	2,603
Return on Equity (ROE)	6.4101%	3,871
Retained earnings to average equity (ytd only)	5.2115%	2,812
Net charge-offs to loans	0.0114%	2,282
Credit loss provision to net charge-offs	862.5000%	422
Earnings coverage of net charge-offs (x)	147.3750%	510
Efficiency ratio	57.9046%	4,092
Assets per employee ($millions)	7.5618%	796
Cash dividends to net income (ytd only)*	18.6997%	2,499
Condition Ratios (%)
Loss allowance to loans	0.8373%	4,395
Loan loss allowance to noncurrent loans	97.5523%	3,407
Noncurrent assets plus other real estate owned to assets	0.7878%	1,788
Noncurrent loans to loans	0.8583%	1,924
Net loans and leases to total assets	77.6942%	1,206
Net loans and leases to deposits	92.6158%	1,328
Net loans and leases to core deposits	108.4892%	1,026
Total domestic deposits to total assets	83.8887%	3,083
Equity capital to assets	15.3782%	672
Core capital (leverage) ratio	14.3163%	864
Tier 1 risk-based capital ratio	14.9057%	2,918
Total risk-based capital ratio	15.5960%	3,105
Memoranda:
Average total assets	$706,733,000	1,072
Average earning assets	$636,834,000	1,083
Average equity	$108,453,500	823
Average total loans	$562,752,000	962
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6987%	1,823
Cost of funding earning assets	1.0112%	720
Net interest margin	3.6875%	3,085
Noninterest income to average assets	0.2570%	4,392
Noninterest expense to average assets	2.0145%	4,727
Loan and lease loss provision to assets	0.1010%	2,169
Net operating income to assets	1.1160%	2,532
Return on assets (ROA)	1.1160%	2,532
Pretax return on assets	1.4434%	1,976
Return on Equity (ROE)	7.5028%	3,660
Retained earnings to average equity (ytd only)	6.0339%	2,175
Net charge-offs to loans	-0.0270%	4,778
Credit loss provision to net charge-offs	-461.6883%	4,618
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	54.6442%	4,565
Assets per employee ($millions)	7.6376%	757
Cash dividends to net income (ytd only)*	19.5774%	3,493
Condition Ratios (%)
Loss allowance to loans	0.7988%	4,540
Loan loss allowance to noncurrent loans	89.7983%	3,581
Noncurrent assets plus other real estate owned to assets	0.8391%	1,664
Noncurrent loans to loans	0.8896%	1,810
Net loans and leases to total assets	80.2727%	896
Net loans and leases to deposits	99.1509%	811
Net loans and leases to core deposits	115.7309%	696
Total domestic deposits to total assets	80.9601%	3,898
Equity capital to assets	15.3129%	640
Core capital (leverage) ratio	14.2295%	862
Tier 1 risk-based capital ratio	14.4935%	3,063
Total risk-based capital ratio	15.1575%	3,257
Memoranda:
Average total assets	$703,962,200	1,055
Average earning assets	$630,345,200	1,073
Average equity	$104,707,600	815
Average total loans	$570,919,400	936
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6433%	1,862
Cost of funding earning assets	0.9217%	835
Net interest margin	3.7216%	2,936
Noninterest income to average assets	0.2311%	4,585
Noninterest expense to average assets	2.0304%	4,686
Loan and lease loss provision to assets	0.1005%	1,988
Net operating income to assets	1.1054%	2,640
Return on assets (ROA)	1.1054%	2,650
Pretax return on assets	1.4291%	2,120
Return on Equity (ROE)	7.4868%	3,758
Retained earnings to average equity (ytd only)	6.1315%	2,591
Net charge-offs to loans	-0.0357%	4,811
Credit loss provision to net charge-offs	-347.0588%	4,417
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	55.0173%	4,504
Assets per employee ($millions)	7.6965%	716
Cash dividends to net income (ytd only)*	18.1024%	3,084
Condition Ratios (%)
Loss allowance to loans	0.7510%	4,752
Loan loss allowance to noncurrent loans	89.8064%	3,633
Noncurrent assets plus other real estate owned to assets	1.1578%	1,224
Noncurrent loans to loans	0.8362%	2,037
Net loans and leases to total assets	81.3945%	811
Net loans and leases to deposits	101.3764%	684
Net loans and leases to core deposits	116.0511%	713
Total domestic deposits to total assets	80.2893%	4,041
Equity capital to assets	14.9765%	727
Core capital (leverage) ratio	14.0762%	916
Tier 1 risk-based capital ratio	14.0034%	3,370
Total risk-based capital ratio	14.6280%	3,619
Memoranda:
Average total assets	$704,289,000	1,056
Average earning assets	$629,966,000	1,078
Average equity	$103,985,250	819
Average total loans	$571,503,750	939
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6109%	1,748
Cost of funding earning assets	0.8341%	991
Net interest margin	3.7768%	2,647
Noninterest income to average assets	0.2600%	4,448
Noninterest expense to average assets	2.0400%	4,720
Loan and lease loss provision to assets	0.1044%	1,865
Net operating income to assets	1.1473%	2,403
Return on assets (ROA)	1.1473%	2,406
Pretax return on assets	1.4918%	1,843
Return on Equity (ROE)	7.8084%	3,589
Retained earnings to average equity (ytd only)	6.2460%	2,441
Net charge-offs to loans	-0.0236%	4,634
Credit loss provision to net charge-offs	-547.7612%	4,382
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	54.0682%	4,683
Assets per employee ($millions)	7.2077%	857
Cash dividends to net income (ytd only)*	20.0099%	2,994
Condition Ratios (%)
Loss allowance to loans	0.7207%	4,892
Loan loss allowance to noncurrent loans	79.8292%	3,846
Noncurrent assets plus other real estate owned to assets	1.3399%	1,047
Noncurrent loans to loans	0.9028%	1,915
Net loans and leases to total assets	81.0154%	855
Net loans and leases to deposits	103.0938%	584
Net loans and leases to core deposits	118.0678%	625
Total domestic deposits to total assets	78.5841%	4,495
Equity capital to assets	14.9679%	693
Core capital (leverage) ratio	13.8608%	944
Tier 1 risk-based capital ratio	13.7277%	3,494
Total risk-based capital ratio	14.3184%	3,779
Memoranda:
Average total assets	$703,027,330	1,058
Average earning assets	$628,461,330	1,081
Average equity	$103,298,670	827
Average total loans	$568,440,330	941
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5637%	1,682
Cost of funding earning assets	0.7538%	1,170
Net interest margin	3.8098%	2,385
Noninterest income to average assets	0.2587%	4,447
Noninterest expense to average assets	2.0727%	4,720
Loan and lease loss provision to assets	0.1089%	1,717
Net operating income to assets	1.1405%	2,257
Return on assets (ROA)	1.1405%	2,271
Pretax return on assets	1.4809%	1,725
Return on Equity (ROE)	7.8344%	3,455
Retained earnings to average equity (ytd only)	7.8344%	1,906
Net charge-offs to loans	-0.0479%	4,952
Credit loss provision to net charge-offs	-282.3529%	3,867
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	54.5159%	4,743
Assets per employee ($millions)	7.3352%	836
Cash dividends to net income (ytd only)*	0.0000%	2,749
Condition Ratios (%)
Loss allowance to loans	0.6989%	5,031
Loan loss allowance to noncurrent loans	73.8698%	3,961
Noncurrent assets plus other real estate owned to assets	1.3702%	1,067
Noncurrent loans to loans	0.9461%	1,932
Net loans and leases to total assets	80.2977%	897
Net loans and leases to deposits	102.9813%	535
Net loans and leases to core deposits	116.7567%	702
Total domestic deposits to total assets	77.9731%	4,732
Equity capital to assets	14.8535%	708
Core capital (leverage) ratio	13.5338%	999
Tier 1 risk-based capital ratio	13.5811%	3,610
Total risk-based capital ratio	14.1487%	3,895
Memoranda:
Average total assets	$704,968,500	1,061
Average earning assets	$629,846,000	1,093
Average equity	$102,624,500	832
Average total loans	$567,397,000	944
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4526%	1,871
Cost of funding earning assets	0.6418%	1,343
Net interest margin	3.8108%	2,381
Noninterest income to average assets	0.2006%	4,943
Noninterest expense to average assets	2.0635%	4,853
Loan and lease loss provision to assets	0.1604%	1,397
Net operating income to assets	0.7154%	3,538
Return on assets (ROA)	0.7154%	3,587
Pretax return on assets	1.3612%	2,120
Return on Equity (ROE)	4.8797%	4,209
Retained earnings to average equity (ytd only)	3.5665%	3,140
Net charge-offs to loans	0.5539%	419
Credit loss provision to net charge-offs	35.9033%	3,481
Earnings coverage of net charge-offs (x)	3.4057%	3,614
Efficiency ratio	55.0810%	4,854
Assets per employee ($millions)	7.5062%	766
Cash dividends to net income (ytd only)*	26.9129%	3,427
Condition Ratios (%)
Loss allowance to loans	0.6436%	5,167
Loan loss allowance to noncurrent loans	69.1036%	4,106
Noncurrent assets plus other real estate owned to assets	1.3221%	1,092
Noncurrent loans to loans	0.9314%	1,913
Net loans and leases to total assets	79.6010%	1,018
Net loans and leases to deposits	94.1046%	1,261
Net loans and leases to core deposits	105.1948%	1,330
Total domestic deposits to total assets	84.5878%	2,998
Equity capital to assets	14.2679%	841
Core capital (leverage) ratio	13.4682%	980
Tier 1 risk-based capital ratio	13.5316%	3,615
Total risk-based capital ratio	14.0705%	3,918
Memoranda:
Average total assets	$685,112,800	1,063
Average earning assets	$608,479,200	1,102
Average equity	$100,436,000	823
Average total loans	$552,630,200	932
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3046%	2,247
Cost of funding earning assets	0.6913%	1,005
Net interest margin	3.6133%	3,099
Noninterest income to average assets	0.3598%	3,954
Noninterest expense to average assets	2.0431%	4,867
Loan and lease loss provision to assets	0.1783%	1,125
Net operating income to assets	0.9261%	2,897
Return on assets (ROA)	0.9261%	2,959
Pretax return on assets	1.3398%	2,326
Return on Equity (ROE)	6.2730%	3,996
Retained earnings to average equity (ytd only)	5.3633%	2,633
Net charge-offs to loans	0.6579%	296
Credit loss provision to net charge-offs	33.5429%	3,056
Earnings coverage of net charge-offs (x)	2.8554%	3,417
Efficiency ratio	54.7924%	4,872
Assets per employee ($millions)	7.1985%	868
Cash dividends to net income (ytd only)*	14.5010%	3,342
Condition Ratios (%)
Loss allowance to loans	0.7091%	5,121
Loan loss allowance to noncurrent loans	45.5645%	4,626
Noncurrent assets plus other real estate owned to assets	1.7792%	785
Noncurrent loans to loans	1.5563%	1,198
Net loans and leases to total assets	80.3554%	934
Net loans and leases to deposits	95.5828%	1,145
Net loans and leases to core deposits	105.3530%	1,313
Total domestic deposits to total assets	84.0689%	3,099
Equity capital to assets	15.2567%	682
Core capital (leverage) ratio	13.6019%	989
Tier 1 risk-based capital ratio	14.3297%	3,278
Total risk-based capital ratio	14.9345%	3,518
Memoranda:
Average total assets	$678,118,750	1,082
Average earning assets	$600,794,500	1,119
Average equity	$100,109,250	826
Average total loans	$547,962,000	941
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2774%	2,204
Cost of funding earning assets	0.6647%	1,070
Net interest margin	3.6127%	2,988
Noninterest income to average assets	0.5533%	2,696
Noninterest expense to average assets	2.0593%	4,856
Loan and lease loss provision to assets	0.2170%	816
Net operating income to assets	1.0188%	2,338
Return on assets (ROA)	1.0188%	2,382
Pretax return on assets	1.4740%	1,743
Return on Equity (ROE)	6.9775%	3,564
Retained earnings to average equity (ytd only)	5.6038%	2,350
Net charge-offs to loans	0.9814%	200
Credit loss provision to net charge-offs	27.3805%	2,744
Earnings coverage of net charge-offs (x)	2.1334%	3,201
Efficiency ratio	52.4119%	5,145
Assets per employee ($millions)	7.1306%	878
Cash dividends to net income (ytd only)*	19.6887%	3,126
Condition Ratios (%)
Loss allowance to loans	0.6706%	5,264
Loan loss allowance to noncurrent loans	62.6106%	4,318
Noncurrent assets plus other real estate owned to assets	1.8479%	732
Noncurrent loans to loans	1.0711%	1,829
Net loans and leases to total assets	80.4404%	884
Net loans and leases to deposits	95.1869%	1,160
Net loans and leases to core deposits	102.5499%	1,464
Total domestic deposits to total assets	84.5078%	3,005
Equity capital to assets	14.8899%	719
Core capital (leverage) ratio	13.2803%	1,062
Tier 1 risk-based capital ratio	13.9109%	3,469
Total risk-based capital ratio	14.4816%	3,764
Memoranda:
Average total assets	$681,006,330	1,079
Average earning assets	$602,649,000	1,122
Average equity	$99,433,330	833
Average total loans	$550,020,670	937
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2373%	2,144
Cost of funding earning assets	0.6412%	1,123
Net interest margin	3.5961%	2,897
Noninterest income to average assets	0.4564%	3,279
Noninterest expense to average assets	2.0006%	5,051
Loan and lease loss provision to assets	0.1213%	1,580
Net operating income to assets	1.0058%	2,278
Return on assets (ROA)	1.0058%	2,329
Pretax return on assets	1.5149%	1,489
Return on Equity (ROE)	6.9572%	3,419
Retained earnings to average equity (ytd only)	6.9572%	1,865
Net charge-offs to loans	0.0218%	2,340
Credit loss provision to net charge-offs	690.0000%	467
Earnings coverage of net charge-offs (x)	93.1000%	575
Efficiency ratio	52.3840%	5,248
Assets per employee ($millions)	7.0975%	906
Cash dividends to net income (ytd only)*	0.0000%	2,824
Condition Ratios (%)
Loss allowance to loans	1.0483%	3,988
Loan loss allowance to noncurrent loans	41.6005%	4,823
Noncurrent assets plus other real estate owned to assets	3.0874%	315
Noncurrent loans to loans	2.5200%	619
Net loans and leases to total assets	79.7522%	863
Net loans and leases to deposits	93.7791%	1,130
Net loans and leases to core deposits	101.9546%	1,371
Total domestic deposits to total assets	85.0426%	3,067
Equity capital to assets	14.4726%	763
Core capital (leverage) ratio	12.9656%	1,159
Tier 1 risk-based capital ratio	13.5993%	3,722
Total risk-based capital ratio	14.4924%	3,839
Memoranda:
Average total assets	$682,806,000	1,075
Average earning assets	$603,869,000	1,123
Average equity	$98,717,500	836
Average total loans	$550,737,000	936
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4732%	1,621
Cost of funding earning assets	0.5869%	1,441
Net interest margin	3.8864%	2,008
Noninterest income to average assets	0.7159%	2,097
Noninterest expense to average assets	2.3316%	4,481
Loan and lease loss provision to assets	0.5062%	273
Net operating income to assets	0.9489%	2,593
Return on assets (ROA)	0.9631%	2,628
Pretax return on assets	1.3800%	2,013
Return on Equity (ROE)	6.5730%	3,703
Retained earnings to average equity (ytd only)	5.2952%	2,135
Net charge-offs to loans	0.3652%	746
Credit loss provision to net charge-offs	171.9788%	1,617
Earnings coverage of net charge-offs (x)	6.3393%	3,189
Efficiency ratio	53.9275%	5,249
Assets per employee ($millions)	6.8400%	990
Cash dividends to net income (ytd only)*	19.4399%	3,746
Condition Ratios (%)
Loss allowance to loans	1.0304%	4,140
Loan loss allowance to noncurrent loans	35.0075%	5,005
Noncurrent assets plus other real estate owned to assets	3.4652%	256
Noncurrent loans to loans	2.9433%	472
Net loans and leases to total assets	79.8880%	909
Net loans and leases to deposits	97.5288%	864
Net loans and leases to core deposits	105.2027%	1,183
Total domestic deposits to total assets	81.9122%	4,100
Equity capital to assets	14.4424%	750
Core capital (leverage) ratio	13.5831%	939
Tier 1 risk-based capital ratio	13.4834%	3,777
Total risk-based capital ratio	14.3547%	3,917
Memoranda:
Average total assets	$511,656,600	1,341
Average earning assets	$458,369,200	1,394
Average equity	$74,973,200	1,059
Average total loans	$412,408,800	1,175
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5928%	1,308
Cost of funding earning assets	0.5781%	1,500
Net interest margin	4.0148%	1,608
Noninterest income to average assets	0.4548%	3,525
Noninterest expense to average assets	2.3736%	4,343
Loan and lease loss provision to assets	0.1962%	1,088
Net operating income to assets	1.0074%	2,400
Return on assets (ROA)	1.0272%	2,434
Pretax return on assets	1.5295%	1,612
Return on Equity (ROE)	6.9738%	3,572
Retained earnings to average equity (ytd only)	6.2173%	2,055
Net charge-offs to loans	0.3266%	707
Credit loss provision to net charge-offs	74.5690%	2,730
Earnings coverage of net charge-offs (x)	6.4472%	3,000
Efficiency ratio	57.0812%	4,945
Assets per employee ($millions)	6.4451%	1,143
Cash dividends to net income (ytd only)*	10.8474%	3,532
Condition Ratios (%)
Loss allowance to loans	0.8496%	5,041
Loan loss allowance to noncurrent loans	28.5138%	5,207
Noncurrent assets plus other real estate owned to assets	3.5268%	280
Noncurrent loans to loans	2.9795%	503
Net loans and leases to total assets	78.8896%	1,055
Net loans and leases to deposits	98.1785%	836
Net loans and leases to core deposits	106.9488%	1,113
Total domestic deposits to total assets	80.3533%	4,428
Equity capital to assets	15.2533%	682
Core capital (leverage) ratio	13.7215%	938
Tier 1 risk-based capital ratio	14.9133%	3,090
Total risk-based capital ratio	15.6372%	3,270
Memoranda:
Average total assets	$470,281,250	1,455
Average earning assets	$423,460,750	1,488
Average equity	$69,267,000	1,142
Average total loans	$378,861,000	1,244
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1875%	2,550
Cost of funding earning assets	0.5142%	1,990
Net interest margin	3.6733%	2,806
Noninterest income to average assets	0.3374%	4,369
Noninterest expense to average assets	2.3265%	4,533
Loan and lease loss provision to assets	-0.0888%	5,869
Net operating income to assets	0.9694%	2,528
Return on assets (ROA)	1.0030%	2,517
Pretax return on assets	1.4944%	1,682
Return on Equity (ROE)	6.9366%	3,585
Retained earnings to average equity (ytd only)	5.6247%	2,349
Net charge-offs to loans	0.5585%	377
Credit loss provision to net charge-offs	-19.6162%	4,474
Earnings coverage of net charge-offs (x)	2.9936%	3,186
Efficiency ratio	63.1883%	4,157
Assets per employee ($millions)	6.1252%	1,317
Cash dividends to net income (ytd only)*	18.9124%	3,232
Condition Ratios (%)
Loss allowance to loans	1.0438%	4,254
Loan loss allowance to noncurrent loans	26.0058%	5,337
Noncurrent assets plus other real estate owned to assets	4.1517%	206
Noncurrent loans to loans	4.0138%	287
Net loans and leases to total assets	80.3416%	852
Net loans and leases to deposits	102.0008%	564
Net loans and leases to core deposits	112.3203%	801
Total domestic deposits to total assets	78.7656%	4,839
Equity capital to assets	14.9956%	728
Core capital (leverage) ratio	14.9287%	625
Tier 1 risk-based capital ratio	16.1905%	2,554
Total risk-based capital ratio	17.1004%	2,649
Memoranda:
Average total assets	$414,355,000	1,633
Average earning assets	$377,262,670	1,651
Average equity	$59,914,330	1,299
Average total loans	$335,922,670	1,390
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2324%	2,358
Cost of funding earning assets	0.5147%	1,987
Net interest margin	3.7177%	2,597
Noninterest income to average assets	0.3262%	4,400
Noninterest expense to average assets	2.2337%	4,822
Loan and lease loss provision to assets	0.0076%	3,583
Net operating income to assets	1.0100%	2,228
Return on assets (ROA)	1.0100%	2,345
Pretax return on assets	1.4812%	1,653
Return on Equity (ROE)	7.1121%	3,399
Retained earnings to average equity (ytd only)	7.1121%	1,837
Net charge-offs to loans	0.0129%	2,687
Credit loss provision to net charge-offs	72.7273%	1,888
Earnings coverage of net charge-offs (x)	141.9091%	422
Efficiency ratio	60.0051%	4,746
Assets per employee ($millions)	5.9520%	1,438
Cash dividends to net income (ytd only)*	0.0000%	2,863
Condition Ratios (%)
Loss allowance to loans	1.3342%	2,736
Loan loss allowance to noncurrent loans	25.2136%	5,378
Noncurrent assets plus other real estate owned to assets	4.3625%	212
Noncurrent loans to loans	5.2918%	177
Net loans and leases to total assets	80.6685%	719
Net loans and leases to deposits	99.3233%	666
Net loans and leases to core deposits	114.1781%	663
Total domestic deposits to total assets	81.2181%	4,425
Equity capital to assets	14.4196%	855
Core capital (leverage) ratio	14.4107%	715
Tier 1 risk-based capital ratio	15.4954%	2,920
Total risk-based capital ratio	16.6638%	2,904
Memoranda:
Average total assets	$419,400,500	1,615
Average earning assets	$383,136,000	1,635
Average equity	$59,560,500	1,304
Average total loans	$339,775,000	1,368
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2121%	2,519
Cost of funding earning assets	0.5018%	2,140
Net interest margin	3.7103%	2,713
Noninterest income to average assets	0.3827%	4,166
Noninterest expense to average assets	2.1721%	5,111
Loan and lease loss provision to assets	0.0163%	4,085
Net operating income to assets	1.0751%	2,026
Return on assets (ROA)	1.0860%	2,052
Pretax return on assets	1.6061%	1,229
Return on Equity (ROE)	7.8756%	3,021
Retained earnings to average equity (ytd only)	6.3548%	1,628
Net charge-offs to loans	0.0401%	3,424
Credit loss provision to net charge-offs	51.1278%	3,386
Earnings coverage of net charge-offs (x)	50.2782%	999
Efficiency ratio	57.4862%	5,196
Assets per employee ($millions)	5.7049%	1,614
Cash dividends to net income (ytd only)*	19.3099%	3,801
Condition Ratios (%)
Loss allowance to loans	1.3420%	2,703
Loan loss allowance to noncurrent loans	24.1761%	5,423
Noncurrent assets plus other real estate owned to assets	4.4917%	214
Noncurrent loans to loans	5.5508%	165
Net loans and leases to total assets	79.2020%	962
Net loans and leases to deposits	96.0827%	999
Net loans and leases to core deposits	110.0897%	848
Total domestic deposits to total assets	82.4311%	4,041
Equity capital to assets	13.9859%	934
Core capital (leverage) ratio	14.4116%	733
Tier 1 risk-based capital ratio	15.8539%	2,759
Total risk-based capital ratio	17.0680%	2,708
Memoranda:
Average total assets	$416,281,600	1,586
Average earning assets	$380,996,000	1,603
Average equity	$57,405,000	1,303
Average total loans	$331,765,000	1,352
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2390%	2,448
Cost of funding earning assets	0.5028%	2,183
Net interest margin	3.7362%	2,625
Noninterest income to average assets	0.3970%	4,107
Noninterest expense to average assets	2.2111%	5,027
Loan and lease loss provision to assets	0.0032%	4,192
Net operating income to assets	1.0853%	2,073
Return on assets (ROA)	1.0999%	2,088
Pretax return on assets	1.6293%	1,300
Return on Equity (ROE)	8.0051%	3,063
Retained earnings to average equity (ytd only)	6.8893%	1,742
Net charge-offs to loans	0.0574%	2,780
Credit loss provision to net charge-offs	7.0423%	3,474
Earnings coverage of net charge-offs (x)	35.2955%	1,352
Efficiency ratio	57.8505%	5,137
Assets per employee ($millions)	5.5077%	1,779
Cash dividends to net income (ytd only)*	13.9391%	3,455
Condition Ratios (%)
Loss allowance to loans	1.3529%	2,828
Loan loss allowance to noncurrent loans	23.4301%	5,534
Noncurrent assets plus other real estate owned to assets	4.6662%	226
Noncurrent loans to loans	5.7744%	150
Net loans and leases to total assets	79.0943%	943
Net loans and leases to deposits	99.5494%	692
Net loans and leases to core deposits	114.0176%	671
Total domestic deposits to total assets	79.4524%	4,872
Equity capital to assets	14.0934%	990
Core capital (leverage) ratio	14.3575%	769
Tier 1 risk-based capital ratio	15.5208%	3,037
Total risk-based capital ratio	16.7110%	2,998
Memoranda:
Average total assets	$414,812,000	1,605
Average earning assets	$380,272,750	1,616
Average equity	$56,995,500	1,323
Average total loans	$329,979,500	1,358
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3563%	1,991
Cost of funding earning assets	0.5035%	2,214
Net interest margin	3.8528%	2,131
Noninterest income to average assets	0.4044%	4,054
Noninterest expense to average assets	2.2167%	5,063
Loan and lease loss provision to assets	0.0024%	4,032
Net operating income to assets	1.1522%	1,773
Return on assets (ROA)	1.1738%	1,754
Pretax return on assets	1.7506%	979
Return on Equity (ROE)	8.6166%	2,740
Retained earnings to average equity (ytd only)	6.9308%	1,729
Net charge-offs to loans	0.0492%	2,724
Credit loss provision to net charge-offs	6.1728%	3,121
Earnings coverage of net charge-offs (x)	44.1235%	1,052
Efficiency ratio	56.2974%	5,400
Assets per employee ($millions)	5.5460%	1,697
Cash dividends to net income (ytd only)*	19.5652%	3,202
Condition Ratios (%)
Loss allowance to loans	1.4134%	2,695
Loan loss allowance to noncurrent loans	36.2721%	5,349
Noncurrent assets plus other real estate owned to assets	3.0902%	522
Noncurrent loans to loans	3.8967%	406
Net loans and leases to total assets	78.1827%	1,049
Net loans and leases to deposits	93.3752%	1,210
Net loans and leases to core deposits	107.1222%	1,020
Total domestic deposits to total assets	83.7296%	3,676
Equity capital to assets	14.1796%	921
Core capital (leverage) ratio	13.9694%	849
Tier 1 risk-based capital ratio	16.0982%	2,807
Total risk-based capital ratio	17.3484%	2,765
Memoranda:
Average total assets	$415,389,670	1,613
Average earning assets	$380,915,670	1,623
Average equity	$56,588,330	1,339
Average total loans	$329,571,670	1,357
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4821%	1,515
Cost of funding earning assets	0.4961%	2,324
Net interest margin	3.9860%	1,608
Noninterest income to average assets	0.3509%	4,392
Noninterest expense to average assets	2.2489%	5,011
Loan and lease loss provision to assets	0.0029%	3,674
Net operating income to assets	1.1677%	1,639
Return on assets (ROA)	1.1677%	1,743
Pretax return on assets	1.7592%	940
Return on Equity (ROE)	8.7435%	2,576
Retained earnings to average equity (ytd only)	8.7435%	1,290
Net charge-offs to loans	0.0012%	3,269
Credit loss provision to net charge-offs	300.0000%	799
Earnings coverage of net charge-offs (x)	1,853.0000%	17
Efficiency ratio	56.0692%	5,510
Assets per employee ($millions)	5.5148%	1,785
Cash dividends to net income (ytd only)*	0.0000%	2,870
Condition Ratios (%)
Loss allowance to loans	1.3853%	2,988
Loan loss allowance to noncurrent loans	36.2416%	5,394
Noncurrent assets plus other real estate owned to assets	3.0382%	619
Noncurrent loans to loans	3.8225%	468
Net loans and leases to total assets	78.3811%	873
Net loans and leases to deposits	93.6175%	1,028
Net loans and leases to core deposits	112.9903%	611
Total domestic deposits to total assets	83.7248%	3,921
Equity capital to assets	13.5302%	1,157
Core capital (leverage) ratio	13.3851%	1,017
Tier 1 risk-based capital ratio	15.4992%	3,145
Total risk-based capital ratio	16.7492%	3,087
Memoranda:
Average total assets	$420,656,000	1,608
Average earning assets	$386,249,500	1,603
Average equity	$56,179,000	1,354
Average total loans	$333,824,500	1,350
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2286%	2,854
Cost of funding earning assets	0.5120%	2,555
Net interest margin	3.7167%	2,948
Noninterest income to average assets	0.5215%	3,349
Noninterest expense to average assets	2.2957%	5,124
Loan and lease loss provision to assets	0.0017%	4,579
Net operating income to assets	1.1877%	1,623
Return on assets (ROA)	1.1877%	1,694
Pretax return on assets	1.6513%	1,097
Return on Equity (ROE)	9.4017%	2,390
Retained earnings to average equity (ytd only)	7.5378%	1,182
Net charge-offs to loans	0.4371%	967
Credit loss provision to net charge-offs	0.4785%	4,201
Earnings coverage of net charge-offs (x)	4.7792%	3,564
Efficiency ratio	58.1393%	5,447
Assets per employee ($millions)	5.6291%	1,669
Cash dividends to net income (ytd only)*	19.8248%	3,818
Condition Ratios (%)
Loss allowance to loans	1.3793%	3,053
Loan loss allowance to noncurrent loans	35.9626%	5,490
Noncurrent assets plus other real estate owned to assets	3.0501%	652
Noncurrent loans to loans	3.8354%	503
Net loans and leases to total assets	78.1420%	982
Net loans and leases to deposits	93.2997%	1,150
Net loans and leases to core deposits	109.0088%	829
Total domestic deposits to total assets	83.7538%	3,818
Equity capital to assets	13.1812%	1,280
Core capital (leverage) ratio	13.4505%	987
Tier 1 risk-based capital ratio	15.7912%	3,067
Total risk-based capital ratio	17.0417%	3,013
Memoranda:
Average total assets	$423,012,800	1,568
Average earning assets	$390,053,800	1,562
Average equity	$53,437,200	1,368
Average total loans	$334,736,800	1,302
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2292%	2,892
Cost of funding earning assets	0.5159%	2,601
Net interest margin	3.7133%	2,971
Noninterest income to average assets	0.3705%	4,463
Noninterest expense to average assets	2.3143%	5,069
Loan and lease loss provision to assets	0.0019%	4,370
Net operating income to assets	1.0450%	2,253
Return on assets (ROA)	1.0450%	2,314
Pretax return on assets	1.4807%	1,709
Return on Equity (ROE)	8.3627%	3,004
Retained earnings to average equity (ytd only)	7.2937%	1,676
Net charge-offs to loans	0.4524%	868
Credit loss provision to net charge-offs	0.5282%	3,797
Earnings coverage of net charge-offs (x)	4.1426%	3,529
Efficiency ratio	60.9525%	5,048
Assets per employee ($millions)	5.5256%	1,705
Cash dividends to net income (ytd only)*	12.7826%	3,467
Condition Ratios (%)
Loss allowance to loans	1.5156%	2,630
Loan loss allowance to noncurrent loans	34.6983%	5,600
Noncurrent assets plus other real estate owned to assets	3.4354%	632
Noncurrent loans to loans	4.3678%	459
Net loans and leases to total assets	77.4599%	1,027
Net loans and leases to deposits	93.2833%	1,099
Net loans and leases to core deposits	106.9153%	906
Total domestic deposits to total assets	83.0373%	4,131
Equity capital to assets	13.1069%	1,375
Core capital (leverage) ratio	13.0160%	1,168
Tier 1 risk-based capital ratio	15.7321%	3,193
Total risk-based capital ratio	16.9841%	3,130
Memoranda:
Average total assets	$423,220,000	1,579
Average earning assets	$390,517,000	1,572
Average equity	$52,884,250	1,390
Average total loans	$334,791,750	1,307
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2014%	2,944
Cost of funding earning assets	0.5172%	2,660
Net interest margin	3.6841%	3,017
Noninterest income to average assets	0.3914%	4,300
Noninterest expense to average assets	2.2518%	5,279
Loan and lease loss provision to assets	0.0028%	4,157
Net operating income to assets	1.0226%	2,237
Return on assets (ROA)	1.0226%	2,305
Pretax return on assets	1.5398%	1,429
Return on Equity (ROE)	8.3158%	2,927
Retained earnings to average equity (ytd only)	6.6977%	1,929
Net charge-offs to loans	0.6863%	558
Credit loss provision to net charge-offs	0.5177%	3,399
Earnings coverage of net charge-offs (x)	2.8361%	3,453
Efficiency ratio	59.3445%	5,381
Assets per employee ($millions)	5.3996%	1,782
Cash dividends to net income (ytd only)*	19.4585%	3,187
Condition Ratios (%)
Loss allowance to loans	1.4864%	2,968
Loan loss allowance to noncurrent loans	34.2459%	5,669
Noncurrent assets plus other real estate owned to assets	3.4084%	695
Noncurrent loans to loans	4.3404%	513
Net loans and leases to total assets	77.3590%	1,000
Net loans and leases to deposits	91.7408%	1,181
Net loans and leases to core deposits	105.0681%	957
Total domestic deposits to total assets	84.3234%	3,811
Equity capital to assets	12.6588%	1,563
Core capital (leverage) ratio	12.6893%	1,288
Tier 1 risk-based capital ratio	15.2934%	3,475
Total risk-based capital ratio	16.5452%	3,420
Memoranda:
Average total assets	$426,152,670	1,569
Average earning assets	$393,634,330	1,560
Average equity	$52,406,330	1,388
Average total loans	$337,738,670	1,297
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2090%	2,841
Cost of funding earning assets	0.5232%	2,677
Net interest margin	3.6858%	2,927
Noninterest income to average assets	0.3257%	4,765
Noninterest expense to average assets	2.2835%	5,238
Loan and lease loss provision to assets	0.0009%	3,813
Net operating income to assets	0.9724%	2,313
Return on assets (ROA)	0.9724%	2,377
Pretax return on assets	1.4530%	1,577
Return on Equity (ROE)	8.0228%	2,916
Retained earnings to average equity (ytd only)	8.0228%	1,586
Net charge-offs to loans	1.2882%	258
Credit loss provision to net charge-offs	0.0910%	2,687
Earnings coverage of net charge-offs (x)	1.4177%	3,101
Efficiency ratio	61.0986%	5,254
Assets per employee ($millions)	5.5146%	1,696
Cash dividends to net income (ytd only)*	0.0000%	2,852
Condition Ratios (%)
Loss allowance to loans	1.4556%	3,349
Loan loss allowance to noncurrent loans	37.8224%	5,631
Noncurrent assets plus other real estate owned to assets	3.0690%	917
Noncurrent loans to loans	3.8486%	717
Net loans and leases to total assets	78.2385%	741
Net loans and leases to deposits	91.1178%	1,026
Net loans and leases to core deposits	105.3206%	781
Total domestic deposits to total assets	85.8651%	3,433
Equity capital to assets	12.1943%	1,748
Core capital (leverage) ratio	12.2783%	1,491
Tier 1 risk-based capital ratio	14.9028%	3,763
Total risk-based capital ratio	16.1546%	3,715
Memoranda:
Average total assets	$428,644,500	1,567
Average earning assets	$396,767,500	1,554
Average equity	$51,952,000	1,394
Average total loans	$341,244,000	1,284
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3062%	2,936
Cost of funding earning assets	0.6389%	2,304
Net interest margin	3.6674%	3,183
Noninterest income to average assets	0.3937%	4,493
Noninterest expense to average assets	2.1889%	5,655
Loan and lease loss provision to assets	0.0967%	3,187
Net operating income to assets	1.0071%	2,295
Return on assets (ROA)	1.0071%	2,354
Pretax return on assets	1.4826%	1,503
Return on Equity (ROE)	8.5436%	2,765
Retained earnings to average equity (ytd only)	6.8285%	1,518
Net charge-offs to loans	0.4797%	1,386
Credit loss provision to net charge-offs	26.1008%	4,328
Earnings coverage of net charge-offs (x)	4.2623%	3,622
Efficiency ratio	58.0886%	5,726
Assets per employee ($millions)	5.5475%	1,606
Cash dividends to net income (ytd only)*	20.0751%	3,714
Condition Ratios (%)
Loss allowance to loans	1.7801%	2,126
Loan loss allowance to noncurrent loans	44.7541%	5,466
Noncurrent assets plus other real estate owned to assets	3.1888%	963
Noncurrent loans to loans	3.9776%	731
Net loans and leases to total assets	78.4064%	772
Net loans and leases to deposits	89.7479%	1,257
Net loans and leases to core deposits	103.7492%	926
Total domestic deposits to total assets	87.3629%	2,542
Equity capital to assets	12.0453%	1,773
Core capital (leverage) ratio	12.2340%	1,477
Tier 1 risk-based capital ratio	14.4439%	3,990
Total risk-based capital ratio	15.6992%	3,926
Memoranda:
Average total assets	$422,900,800	1,565
Average earning assets	$389,132,800	1,555
Average equity	$49,850,000	1,420
Average total loans	$326,671,400	1,305
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3070%	2,952
Cost of funding earning assets	0.6593%	2,274
Net interest margin	3.6477%	3,244
Noninterest income to average assets	0.4134%	4,422
Noninterest expense to average assets	2.1834%	5,639
Loan and lease loss provision to assets	0.1274%	2,700
Net operating income to assets	0.9937%	2,400
Return on assets (ROA)	0.9937%	2,491
Pretax return on assets	1.4533%	1,755
Return on Equity (ROE)	8.4771%	2,891
Retained earnings to average equity (ytd only)	7.4579%	1,662
Net charge-offs to loans	0.5691%	1,112
Credit loss provision to net charge-offs	29.2241%	3,912
Earnings coverage of net charge-offs (x)	3.6265%	3,649
Efficiency ratio	58.0065%	5,682
Assets per employee ($millions)	5.5983%	1,536
Cash dividends to net income (ytd only)*	12.0229%	3,404
Condition Ratios (%)
Loss allowance to loans	1.8888%	2,036
Loan loss allowance to noncurrent loans	44.1900%	5,471
Noncurrent assets plus other real estate owned to assets	3.4525%	990
Noncurrent loans to loans	4.2743%	797
Net loans and leases to total assets	77.3452%	830
Net loans and leases to deposits	88.8085%	1,283
Net loans and leases to core deposits	102.8679%	943
Total domestic deposits to total assets	87.0921%	2,641
Equity capital to assets	12.0619%	1,878
Core capital (leverage) ratio	11.9685%	1,695
Tier 1 risk-based capital ratio	14.4384%	4,115
Total risk-based capital ratio	15.6948%	4,074
Memoranda:
Average total assets	$421,837,500	1,574
Average earning assets	$387,484,000	1,569
Average equity	$49,449,500	1,440
Average total loans	$323,092,750	1,321
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2945%	2,979
Cost of funding earning assets	0.6849%	2,180
Net interest margin	3.6096%	3,319
Noninterest income to average assets	0.4189%	4,384
Noninterest expense to average assets	2.1610%	5,722
Loan and lease loss provision to assets	0.1898%	1,990
Net operating income to assets	0.9529%	2,555
Return on assets (ROA)	0.9529%	2,701
Pretax return on assets	1.3813%	1,998
Return on Equity (ROE)	8.2078%	2,986
Retained earnings to average equity (ytd only)	6.6665%	2,060
Net charge-offs to loans	0.6847%	960
Credit loss provision to net charge-offs	36.5542%	3,482
Earnings coverage of net charge-offs (x)	3.0255%	3,523
Efficiency ratio	57.9021%	5,743
Assets per employee ($millions)	5.3069%	1,781
Cash dividends to net income (ytd only)*	18.7779%	3,041
Condition Ratios (%)
Loss allowance to loans	2.0750%	1,687
Loan loss allowance to noncurrent loans	42.8553%	5,500
Noncurrent assets plus other real estate owned to assets	3.8540%	931
Noncurrent loans to loans	4.8419%	689
Net loans and leases to total assets	71.7116%	1,623
Net loans and leases to deposits	81.5089%	2,116
Net loans and leases to core deposits	95.2590%	1,421
Total domestic deposits to total assets	87.9801%	2,257
Equity capital to assets	11.5377%	2,260
Core capital (leverage) ratio	11.5344%	1,909
Tier 1 risk-based capital ratio	14.4540%	4,129
Total risk-based capital ratio	15.7119%	4,085
Memoranda:
Average total assets	$422,491,670	1,576
Average earning assets	$387,801,000	1,568
Average equity	$49,051,000	1,458
Average total loans	$320,455,330	1,326
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2956%	2,911
Cost of funding earning assets	0.6919%	2,291
Net interest margin	3.6036%	3,245
Noninterest income to average assets	0.5568%	3,389
Noninterest expense to average assets	2.1576%	5,786
Loan and lease loss provision to assets	0.2388%	1,525
Net operating income to assets	1.0315%	2,104
Return on assets (ROA)	1.0315%	2,215
Pretax return on assets	1.4584%	1,690
Return on Equity (ROE)	8.8564%	2,549
Retained earnings to average equity (ytd only)	8.8564%	1,431
Net charge-offs to loans	0.0643%	3,177
Credit loss provision to net charge-offs	480.7692%	545
Earnings coverage of net charge-offs (x)	34.1731%	892
Efficiency ratio	55.9713%	6,066
Assets per employee ($millions)	5.6656%	1,522
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	2.3040%	1,406
Loan loss allowance to noncurrent loans	45.8565%	5,337
Noncurrent assets plus other real estate owned to assets	4.2132%	908
Noncurrent loans to loans	5.0243%	758
Net loans and leases to total assets	75.1075%	948
Net loans and leases to deposits	85.4922%	1,419
Net loans and leases to core deposits	98.8492%	1,017
Total domestic deposits to total assets	87.8531%	2,410
Equity capital to assets	11.7641%	2,207
Core capital (leverage) ratio	11.7135%	1,738
Tier 1 risk-based capital ratio	14.3348%	4,270
Total risk-based capital ratio	15.5960%	4,232
Memoranda:
Average total assets	$418,807,000	1,603
Average earning assets	$383,279,000	1,600
Average equity	$48,778,500	1,482
Average total loans	$323,287,000	1,313
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6188%	2,923
Cost of funding earning assets	0.7994%	2,671
Net interest margin	3.8194%	3,144
Noninterest income to average assets	0.4527%	4,231
Noninterest expense to average assets	2.2860%	5,730
Loan and lease loss provision to assets	0.3520%	1,898
Net operating income to assets	0.8986%	2,826
Return on assets (ROA)	0.9602%	2,744
Pretax return on assets	1.4000%	2,040
Return on Equity (ROE)	8.4337%	2,902
Retained earnings to average equity (ytd only)	6.7414%	1,697
Net charge-offs to loans	-0.0051%	6,387
Credit loss provision to net charge-offs	-9,043.7500%	6,705
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	57.8918%	5,847
Assets per employee ($millions)	5.5048%	1,684
Cash dividends to net income (ytd only)*	20.0659%	3,742
Condition Ratios (%)
Loss allowance to loans	2.2291%	1,507
Loan loss allowance to noncurrent loans	43.5029%	5,459
Noncurrent assets plus other real estate owned to assets	4.3412%	965
Noncurrent loans to loans	5.1240%	764
Net loans and leases to total assets	75.7789%	949
Net loans and leases to deposits	86.0076%	1,514
Net loans and leases to core deposits	96.6558%	1,250
Total domestic deposits to total assets	88.1072%	2,165
Equity capital to assets	11.5297%	2,415
Core capital (leverage) ratio	11.7669%	1,693
Tier 1 risk-based capital ratio	14.0395%	4,358
Total risk-based capital ratio	15.2999%	4,309
Memoranda:
Average total assets	$411,072,400	1,595
Average earning assets	$376,262,800	1,588
Average equity	$46,800,200	1,491
Average total loans	$315,906,000	1,329
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6496%	3,015
Cost of funding earning assets	0.8193%	2,783
Net interest margin	3.8303%	3,204
Noninterest income to average assets	0.4033%	4,611
Noninterest expense to average assets	2.2877%	5,717
Loan and lease loss provision to assets	0.4714%	1,314
Net operating income to assets	0.7991%	3,460
Return on assets (ROA)	0.8816%	3,312
Pretax return on assets	1.2758%	2,684
Return on Equity (ROE)	7.7688%	3,383
Retained earnings to average equity (ytd only)	6.8357%	2,216
Net charge-offs to loans	-0.0021%	6,208
Credit loss provision to net charge-offs	-28,940.0000%	6,721
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	58.4290%	5,730
Assets per employee ($millions)	5.2622%	1,867
Cash dividends to net income (ytd only)*	12.0103%	3,358
Condition Ratios (%)
Loss allowance to loans	2.2753%	1,572
Loan loss allowance to noncurrent loans	44.2795%	5,442
Noncurrent assets plus other real estate owned to assets	4.4728%	1,043
Noncurrent loans to loans	5.1384%	871
Net loans and leases to total assets	76.5130%	893
Net loans and leases to deposits	91.0814%	1,045
Net loans and leases to core deposits	103.4728%	895
Total domestic deposits to total assets	84.0051%	4,218
Equity capital to assets	11.7149%	2,517
Core capital (leverage) ratio	11.8714%	1,732
Tier 1 risk-based capital ratio	13.9517%	4,568
Total risk-based capital ratio	15.2125%	4,504
Memoranda:
Average total assets	$409,249,750	1,610
Average earning assets	$375,247,750	1,607
Average equity	$46,441,250	1,517
Average total loans	$313,817,750	1,350
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7388%	2,764
Cost of funding earning assets	0.8216%	3,016
Net interest margin	3.9172%	2,833
Noninterest income to average assets	0.3829%	4,773
Noninterest expense to average assets	2.3166%	5,684
Loan and lease loss provision to assets	0.7048%	772
Net operating income to assets	0.6768%	3,989
Return on assets (ROA)	0.8037%	3,637
Pretax return on assets	1.1349%	3,168
Return on Equity (ROE)	7.1585%	3,696
Retained earnings to average equity (ytd only)	5.7485%	2,854
Net charge-offs to loans	-0.0134%	6,345
Credit loss provision to net charge-offs	-6,890.4762%	6,583
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	58.2415%	5,840
Assets per employee ($millions)	5.1270%	1,999
Cash dividends to net income (ytd only)*	19.6970%	2,995
Condition Ratios (%)
Loss allowance to loans	2.3721%	1,456
Loan loss allowance to noncurrent loans	49.2611%	5,154
Noncurrent assets plus other real estate owned to assets	4.1847%	1,194
Noncurrent loans to loans	4.8154%	1,058
Net loans and leases to total assets	74.4387%	1,185
Net loans and leases to deposits	85.4444%	1,663
Net loans and leases to core deposits	97.9626%	1,280
Total domestic deposits to total assets	87.1194%	2,705
Equity capital to assets	11.5985%	2,489
Core capital (leverage) ratio	11.3701%	1,989
Tier 1 risk-based capital ratio	14.0259%	4,433
Total risk-based capital ratio	15.2875%	4,386
Memoranda:
Average total assets	$410,604,330	1,612
Average earning assets	$376,803,670	1,602
Average equity	$46,099,330	1,513
Average total loans	$312,677,670	1,354
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7962%	2,656
Cost of funding earning assets	0.8208%	3,303
Net interest margin	3.9754%	2,607
Noninterest income to average assets	0.3798%	4,821
Noninterest expense to average assets	2.2801%	5,821
Loan and lease loss provision to assets	0.7857%	631
Net operating income to assets	0.6412%	4,162
Return on assets (ROA)	0.8741%	3,261
Pretax return on assets	1.3184%	2,479
Return on Equity (ROE)	7.9117%	3,327
Retained earnings to average equity (ytd only)	7.9117%	2,021
Net charge-offs to loans	-0.0240%	6,243
Credit loss provision to net charge-offs	-4,300.0000%	6,183
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	56.5601%	6,066
Assets per employee ($millions)	5.4207%	1,765
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	2.1176%	2,059
Loan loss allowance to noncurrent loans	94.7195%	3,202
Noncurrent assets plus other real estate owned to assets	2.1871%	2,699
Noncurrent loans to loans	2.2357%	2,879
Net loans and leases to total assets	73.1005%	1,208
Net loans and leases to deposits	83.2879%	1,755
Net loans and leases to core deposits	97.2928%	1,181
Total domestic deposits to total assets	87.7684%	2,488
Equity capital to assets	11.0792%	2,818
Core capital (leverage) ratio	10.9771%	2,276
Tier 1 risk-based capital ratio	13.6423%	4,720
Total risk-based capital ratio	14.9009%	4,701
Memoranda:
Average total assets	$415,954,000	1,600
Average earning assets	$382,050,500	1,588
Average equity	$45,957,500	1,513
Average total loans	$316,558,000	1,340
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7474%	4,045
Cost of funding earning assets	0.9254%	3,920
Net interest margin	3.8220%	3,710
Noninterest income to average assets	0.4963%	3,873
Noninterest expense to average assets	2.2857%	6,076
Loan and lease loss provision to assets	0.5141%	2,049
Net operating income to assets	0.8189%	2,959
Return on assets (ROA)	0.8189%	3,124
Pretax return on assets	1.2139%	2,406
Return on Equity (ROE)	8.0606%	2,870
Retained earnings to average equity (ytd only)	6.4351%	1,786
Net charge-offs to loans	0.5449%	2,832
Credit loss provision to net charge-offs	126.9053%	2,448
Earnings coverage of net charge-offs (x)	4.2656%	3,188
Efficiency ratio	56.9464%	6,191
Assets per employee ($millions)	5.5269%	1,611
Cash dividends to net income (ytd only)*	20.1657%	3,524
Condition Ratios (%)
Loss allowance to loans	1.7937%	2,890
Loan loss allowance to noncurrent loans	91.6243%	3,282
Noncurrent assets plus other real estate owned to assets	2.0368%	2,911
Noncurrent loans to loans	1.9577%	3,262
Net loans and leases to total assets	76.1453%	931
Net loans and leases to deposits	86.8912%	1,550
Net loans and leases to core deposits	101.8079%	1,040
Total domestic deposits to total assets	87.6330%	2,382
Equity capital to assets	11.0180%	2,964
Core capital (leverage) ratio	11.0118%	2,261
Tier 1 risk-based capital ratio	13.0548%	5,021
Total risk-based capital ratio	14.3098%	4,992
Memoranda:
Average total assets	$427,536,800	1,524
Average earning assets	$393,460,600	1,515
Average equity	$43,433,600	1,556
Average total loans	$317,869,400	1,338
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7251%	4,333
Cost of funding earning assets	0.9494%	4,053
Net interest margin	3.7758%	3,989
Noninterest income to average assets	0.4980%	3,886
Noninterest expense to average assets	2.2903%	6,064
Loan and lease loss provision to assets	0.5268%	1,875
Net operating income to assets	0.7759%	3,274
Return on assets (ROA)	0.7759%	3,437
Pretax return on assets	1.1606%	2,781
Return on Equity (ROE)	7.7962%	3,139
Retained earnings to average equity (ytd only)	6.8322%	2,058
Net charge-offs to loans	0.6423%	2,323
Credit loss provision to net charge-offs	111.4604%	2,946
Earnings coverage of net charge-offs (x)	3.5704%	3,391
Efficiency ratio	57.5786%	6,073
Assets per employee ($millions)	5.2901%	1,826
Cash dividends to net income (ytd only)*	12.3653%	3,203
Condition Ratios (%)
Loss allowance to loans	1.7665%	3,048
Loan loss allowance to noncurrent loans	70.8150%	3,939
Noncurrent assets plus other real estate owned to assets	2.4720%	2,601
Noncurrent loans to loans	2.4945%	2,778
Net loans and leases to total assets	73.7723%	1,357
Net loans and leases to deposits	84.0059%	1,995
Net loans and leases to core deposits	99.5126%	1,296
Total domestic deposits to total assets	87.8180%	2,155
Equity capital to assets	10.7434%	3,427
Core capital (leverage) ratio	10.4993%	2,870
Tier 1 risk-based capital ratio	12.9635%	5,124
Total risk-based capital ratio	14.2178%	5,090
Memoranda:
Average total assets	$430,792,500	1,526
Average earning assets	$397,014,750	1,512
Average equity	$42,874,250	1,575
Average total loans	$316,987,250	1,357
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7049%	4,511
Cost of funding earning assets	0.9630%	4,234
Net interest margin	3.7420%	4,073
Noninterest income to average assets	0.4047%	4,640
Noninterest expense to average assets	2.2346%	6,290
Loan and lease loss provision to assets	0.6547%	1,470
Net operating income to assets	0.6565%	3,764
Return on assets (ROA)	0.6565%	3,889
Pretax return on assets	0.9756%	3,333
Return on Equity (ROE)	6.7659%	3,544
Retained earnings to average equity (ytd only)	5.3033%	2,809
Net charge-offs to loans	0.1678%	4,170
Credit loss provision to net charge-offs	533.5821%	576
Earnings coverage of net charge-offs (x)	13.2873%	1,560
Efficiency ratio	57.8181%	6,186
Assets per employee ($millions)	5.0917%	2,000
Cash dividends to net income (ytd only)*	21.6179%	2,791
Condition Ratios (%)
Loss allowance to loans	2.0701%	2,184
Loan loss allowance to noncurrent loans	88.9455%	3,202
Noncurrent assets plus other real estate owned to assets	2.3202%	2,838
Noncurrent loans to loans	2.3274%	3,061
Net loans and leases to total assets	73.2073%	1,553
Net loans and leases to deposits	83.2692%	2,223
Net loans and leases to core deposits	104.1965%	1,030
Total domestic deposits to total assets	87.9164%	2,189
Equity capital to assets	10.3057%	3,746
Core capital (leverage) ratio	9.9384%	3,341
Tier 1 risk-based capital ratio	12.8547%	5,042
Total risk-based capital ratio	14.1131%	5,006
Memoranda:
Average total assets	$436,848,330	1,516
Average earning assets	$403,960,000	1,505
Average equity	$42,389,000	1,581
Average total loans	$319,357,330	1,355
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6283%	4,830
Cost of funding earning assets	0.9750%	4,391
Net interest margin	3.6533%	4,312
Noninterest income to average assets	0.4058%	4,664
Noninterest expense to average assets	2.2225%	6,374
Loan and lease loss provision to assets	0.8098%	1,039
Net operating income to assets	0.5133%	4,441
Return on assets (ROA)	0.5133%	4,522
Pretax return on assets	0.7570%	4,070
Return on Equity (ROE)	5.4481%	4,182
Retained earnings to average equity (ytd only)	5.4481%	2,938
Net charge-offs to loans	0.2316%	3,155
Credit loss provision to net charge-offs	483.4225%	739
Earnings coverage of net charge-offs (x)	9.3529%	1,729
Efficiency ratio	58.6525%	6,182
Assets per employee ($millions)	5.0360%	2,112
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	1.9310%	2,592
Loan loss allowance to noncurrent loans	239.9282%	1,247
Noncurrent assets plus other real estate owned to assets	1.2265%	4,503
Noncurrent loans to loans	0.8048%	5,423
Net loans and leases to total assets	70.5333%	2,025
Net loans and leases to deposits	79.4837%	2,809
Net loans and leases to core deposits	99.7994%	1,355
Total domestic deposits to total assets	88.7394%	1,931
Equity capital to assets	9.7718%	4,069
Core capital (leverage) ratio	9.2908%	4,134
Tier 1 risk-based capital ratio	12.4635%	5,297
Total risk-based capital ratio	13.7198%	5,268
Memoranda:
Average total assets	$446,514,500	1,501
Average earning assets	$413,541,000	1,479
Average equity	$42,069,500	1,580
Average total loans	$322,979,500	1,353
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9366%	4,848
Cost of funding earning assets	1.4299%	3,073
Net interest margin	3.5067%	5,223
Noninterest income to average assets	0.4925%	4,231
Noninterest expense to average assets	2.0721%	6,908
Loan and lease loss provision to assets	0.6853%	2,402
Net operating income to assets	0.6481%	3,447
Return on assets (ROA)	0.6481%	3,600
Pretax return on assets	0.9638%	3,051
Return on Equity (ROE)	7.2279%	3,014
Retained earnings to average equity (ytd only)	5.8252%	1,923
Net charge-offs to loans	0.4693%	3,739
Credit loss provision to net charge-offs	197.3265%	1,604
Earnings coverage of net charge-offs (x)	4.7486%	2,818
Efficiency ratio	55.6849%	6,632
Assets per employee ($millions)	5.4754%	1,611
Cash dividends to net income (ytd only)*	19.4065%	3,477
Condition Ratios (%)
Loss allowance to loans	1.5843%	3,644
Loan loss allowance to noncurrent loans	158.8429%	1,879
Noncurrent assets plus other real estate owned to assets	1.2710%	4,494
Noncurrent loans to loans	0.9974%	5,065
Net loans and leases to total assets	71.5687%	2,184
Net loans and leases to deposits	80.2407%	3,128
Net loans and leases to core deposits	99.2148%	1,679
Total domestic deposits to total assets	89.1924%	1,542
Equity capital to assets	9.0921%	5,001
Core capital (leverage) ratio	9.4230%	3,813
Tier 1 risk-based capital ratio	11.5203%	5,892
Total risk-based capital ratio	12.7729%	5,895
Memoranda:
Average total assets	$452,385,000	1,469
Average earning assets	$416,520,200	1,453
Average equity	$40,565,200	1,633
Average total loans	$334,724,000	1,332
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9218%	5,162
Cost of funding earning assets	1.5278%	2,788
Net interest margin	3.3939%	5,704
Noninterest income to average assets	0.4626%	4,469
Noninterest expense to average assets	2.0534%	6,949
Loan and lease loss provision to assets	0.7094%	2,151
Net operating income to assets	0.5561%	4,072
Return on assets (ROA)	0.5561%	4,235
Pretax return on assets	0.8180%	3,834
Return on Equity (ROE)	6.2240%	3,718
Retained earnings to average equity (ytd only)	5.2998%	2,774
Net charge-offs to loans	0.5739%	3,028
Credit loss provision to net charge-offs	166.3428%	2,245
Earnings coverage of net charge-offs (x)	3.5815%	3,385
Efficiency ratio	57.3436%	6,372
Assets per employee ($millions)	5.4026%	1,716
Cash dividends to net income (ytd only)*	14.8483%	3,166
Condition Ratios (%)
Loss allowance to loans	1.3825%	4,561
Loan loss allowance to noncurrent loans	69.3731%	3,845
Noncurrent assets plus other real estate owned to assets	2.0134%	3,450
Noncurrent loans to loans	1.9928%	3,692
Net loans and leases to total assets	77.0201%	1,217
Net loans and leases to deposits	89.8237%	1,750
Net loans and leases to core deposits	108.1252%	1,155
Total domestic deposits to total assets	85.7459%	3,220
Equity capital to assets	9.3903%	5,002
Core capital (leverage) ratio	9.2090%	4,351
Tier 1 risk-based capital ratio	11.0248%	6,352
Total risk-based capital ratio	12.2777%	6,330
Memoranda:
Average total assets	$450,497,250	1,501
Average earning assets	$413,905,000	1,488
Average equity	$40,252,000	1,654
Average total loans	$334,787,750	1,347
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8843%	5,468
Cost of funding earning assets	1.5868%	2,734
Net interest margin	3.2975%	6,026
Noninterest income to average assets	0.4389%	4,618
Noninterest expense to average assets	2.0075%	7,097
Loan and lease loss provision to assets	0.5589%	2,535
Net operating income to assets	0.6161%	3,804
Return on assets (ROA)	0.6161%	3,942
Pretax return on assets	0.9063%	3,467
Return on Equity (ROE)	7.0100%	3,297
Retained earnings to average equity (ytd only)	5.6140%	2,548
Net charge-offs to loans	0.2761%	3,956
Credit loss provision to net charge-offs	276.9063%	1,344
Earnings coverage of net charge-offs (x)	7.2593%	2,332
Efficiency ratio	57.8068%	6,401
Assets per employee ($millions)	5.7575%	1,406
Cash dividends to net income (ytd only)*	19.9143%	2,897
Condition Ratios (%)
Loss allowance to loans	1.3881%	4,479
Loan loss allowance to noncurrent loans	115.6818%	2,419
Noncurrent assets plus other real estate owned to assets	1.3890%	4,397
Noncurrent loans to loans	1.2000%	4,961
Net loans and leases to total assets	72.4651%	2,287
Net loans and leases to deposits	81.3386%	3,376
Net loans and leases to core deposits	100.1243%	2,002
Total domestic deposits to total assets	89.0907%	1,384
Equity capital to assets	9.0426%	5,377
Core capital (leverage) ratio	8.8821%	4,786
Tier 1 risk-based capital ratio	10.9931%	6,237
Total risk-based capital ratio	12.2370%	6,240
Memoranda:
Average total assets	$454,792,000	1,503
Average earning assets	$418,444,000	1,480
Average equity	$39,971,670	1,667
Average total loans	$332,458,670	1,371
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8972%	5,472
Cost of funding earning assets	1.6486%	2,661
Net interest margin	3.2486%	6,136
Noninterest income to average assets	0.4029%	4,895
Noninterest expense to average assets	1.8643%	7,390
Loan and lease loss provision to assets	0.6634%	1,911
Net operating income to assets	0.5769%	3,997
Return on assets (ROA)	0.5769%	4,139
Pretax return on assets	0.8513%	3,663
Return on Equity (ROE)	6.6578%	3,537
Retained earnings to average equity (ytd only)	6.6578%	2,297
Net charge-offs to loans	0.4292%	2,759
Credit loss provision to net charge-offs	212.0112%	1,756
Earnings coverage of net charge-offs (x)	4.8408%	2,531
Efficiency ratio	55.1733%	6,866
Assets per employee ($millions)	5.8598%	1,364
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	1.2689%	5,098
Loan loss allowance to noncurrent loans	126.6707%	2,191
Noncurrent assets plus other real estate owned to assets	1.4952%	4,263
Noncurrent loans to loans	1.0017%	5,319
Net loans and leases to total assets	70.9877%	2,702
Net loans and leases to deposits	79.5364%	3,739
Net loans and leases to core deposits	102.7510%	1,838
Total domestic deposits to total assets	89.2519%	1,396
Equity capital to assets	8.7607%	5,624
Core capital (leverage) ratio	8.5336%	5,315
Tier 1 risk-based capital ratio	10.8658%	6,277
Total risk-based capital ratio	11.9979%	6,377
Memoranda:
Average total assets	$457,645,500	1,537
Average earning assets	$419,262,500	1,520
Average equity	$39,653,000	1,697
Average total loans	$333,682,500	1,405
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1112%	6,042
Cost of funding earning assets	2.0724%	2,609
Net interest margin	3.0388%	6,546
Noninterest income to average assets	0.4727%	4,634
Noninterest expense to average assets	2.4470%	6,312
Loan and lease loss provision to assets	0.4424%	4,176
Net operating income to assets	0.2988%	4,542
Return on assets (ROA)	0.2988%	4,617
Pretax return on assets	0.3844%	4,538
Return on Equity (ROE)	3.4684%	4,301
Retained earnings to average equity (ytd only)	2.8886%	3,155
Net charge-offs to loans	0.3692%	4,372
Credit loss provision to net charge-offs	155.4859%	2,921
Earnings coverage of net charge-offs (x)	2.9060%	3,628
Efficiency ratio	74.7446%	3,750
Assets per employee ($millions)	5.5881%	1,571
Cash dividends to net income (ytd only)*	16.7164%	3,751
Condition Ratios (%)
Loss allowance to loans	1.1127%	5,840
Loan loss allowance to noncurrent loans	59.6172%	4,411
Noncurrent assets plus other real estate owned to assets	2.3248%	2,973
Noncurrent loans to loans	1.8664%	3,842
Net loans and leases to total assets	73.1006%	2,480
Net loans and leases to deposits	82.8181%	3,482
Net loans and leases to core deposits	119.6837%	1,973
Total domestic deposits to total assets	88.2665%	1,843
Equity capital to assets	8.5687%	5,769
Core capital (leverage) ratio	8.8650%	4,654
Tier 1 risk-based capital ratio	10.7899%	6,123
Total risk-based capital ratio	11.8230%	6,307
Memoranda:
Average total assets	$448,459,800	1,543
Average earning assets	$413,382,600	1,530
Average equity	$38,634,800	1,736
Average total loans	$345,616,400	1,399
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1235%	6,193
Cost of funding earning assets	2.2404%	2,231
Net interest margin	2.8831%	6,889
Noninterest income to average assets	0.5258%	4,273
Noninterest expense to average assets	2.4623%	6,208
Loan and lease loss provision to assets	0.4308%	3,749
Net operating income to assets	0.2523%	4,979
Return on assets (ROA)	0.2523%	5,064
Pretax return on assets	0.3028%	5,056
Return on Equity (ROE)	2.9246%	4,825
Retained earnings to average equity (ytd only)	2.1484%	4,127
Net charge-offs to loans	0.1052%	5,619
Credit loss provision to net charge-offs	525.9124%	746
Earnings coverage of net charge-offs (x)	8.9563%	2,175
Efficiency ratio	77.0461%	3,310
Assets per employee ($millions)	5.1889%	1,907
Cash dividends to net income (ytd only)*	26.5402%	3,005
Condition Ratios (%)
Loss allowance to loans	1.2265%	4,966
Loan loss allowance to noncurrent loans	36.2856%	5,986
Noncurrent assets plus other real estate owned to assets	3.7089%	1,748
Noncurrent loans to loans	3.3800%	2,232
Net loans and leases to total assets	77.2021%	1,740
Net loans and leases to deposits	94.8022%	1,749
Net loans and leases to core deposits	147.7508%	634
Total domestic deposits to total assets	81.4349%	4,902
Equity capital to assets	8.7704%	5,848
Core capital (leverage) ratio	8.5499%	5,402
Tier 1 risk-based capital ratio	10.8417%	6,114
Total risk-based capital ratio	12.0274%	6,148
Memoranda:
Average total assets	$446,018,250	1,563
Average earning assets	$413,068,500	1,545
Average equity	$38,477,500	1,768
Average total loans	$347,336,750	1,408
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0947%	6,453
Cost of funding earning assets	2.3480%	2,168
Net interest margin	2.7468%	7,107
Noninterest income to average assets	0.5504%	4,036
Noninterest expense to average assets	2.2566%	6,902
Loan and lease loss provision to assets	0.3096%	4,095
Net operating income to assets	0.3976%	4,523
Return on assets (ROA)	0.3976%	4,631
Pretax return on assets	0.5290%	4,526
Return on Equity (ROE)	4.6343%	4,238
Retained earnings to average equity (ytd only)	3.4627%	3,386
Net charge-offs to loans	0.1511%	4,679
Credit loss provision to net charge-offs	263.4981%	1,766
Earnings coverage of net charge-offs (x)	7.1369%	2,490
Efficiency ratio	72.9070%	4,230
Assets per employee ($millions)	5.4859%	1,594
Cash dividends to net income (ytd only)*	25.2809%	2,994
Condition Ratios (%)
Loss allowance to loans	0.9814%	6,368
Loan loss allowance to noncurrent loans	76.4564%	3,644
Noncurrent assets plus other real estate owned to assets	2.2451%	2,899
Noncurrent loans to loans	1.2836%	4,631
Net loans and leases to total assets	75.5359%	2,303
Net loans and leases to deposits	85.5729%	3,626
Net loans and leases to core deposits	131.6391%	1,450
Total domestic deposits to total assets	88.2709%	1,641
Equity capital to assets	8.3009%	6,331
Core capital (leverage) ratio	8.5803%	5,295
Tier 1 risk-based capital ratio	10.2780%	6,619
Total risk-based capital ratio	11.2050%	6,911
Memoranda:
Average total assets	$447,673,330	1,583
Average earning assets	$414,741,000	1,566
Average equity	$38,409,330	1,776
Average total loans	$348,205,670	1,431
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1012%	6,641
Cost of funding earning assets	2.4445%	2,124
Net interest margin	2.6568%	7,285
Noninterest income to average assets	0.5192%	4,141
Noninterest expense to average assets	2.2949%	6,561
Loan and lease loss provision to assets	0.1506%	5,000
Net operating income to assets	0.4006%	4,856
Return on assets (ROA)	0.4006%	5,040
Pretax return on assets	0.5292%	4,981
Return on Equity (ROE)	4.5896%	4,665
Retained earnings to average equity (ytd only)	4.5896%	3,375
Net charge-offs to loans	-0.0023%	7,119
Credit loss provision to net charge-offs	-8,250.0000%	6,760
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	77.1472%	3,303
Assets per employee ($millions)	5.2134%	1,836
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	0.9250%	6,634
Loan loss allowance to noncurrent loans	56.9035%	4,787
Noncurrent assets plus other real estate owned to assets	2.5349%	2,262
Noncurrent loans to loans	1.6256%	3,837
Net loans and leases to total assets	77.9966%	1,827
Net loans and leases to deposits	90.8774%	2,798
Net loans and leases to core deposits	135.7258%	1,324
Total domestic deposits to total assets	85.8261%	2,811
Equity capital to assets	8.6835%	5,793
Core capital (leverage) ratio	8.7707%	5,033
Tier 1 risk-based capital ratio	10.4212%	6,475
Total risk-based capital ratio	11.2951%	6,780
Memoranda:
Average total assets	$438,360,000	1,621
Average earning assets	$405,156,000	1,606
Average equity	$38,260,500	1,783
Average total loans	$344,451,000	1,461
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9970%	5,561
Cost of funding earning assets	2.8781%	2,361
Net interest margin	3.1189%	6,598
Noninterest income to average assets	0.4647%	4,921
Noninterest expense to average assets	2.2201%	6,919
Loan and lease loss provision to assets	0.2844%	4,108
Net operating income to assets	0.6057%	4,278
Return on assets (ROA)	0.6057%	4,140
Pretax return on assets	0.8447%	3,906
Return on Equity (ROE)	6.5061%	3,749
Retained earnings to average equity (ytd only)	3.4859%	2,971
Net charge-offs to loans	0.2609%	3,671
Credit loss provision to net charge-offs	138.9831%	3,819
Earnings coverage of net charge-offs (x)	5.5182%	3,620
Efficiency ratio	66.2870%	5,067
Assets per employee ($millions)	5.3528%	1,577
Cash dividends to net income (ytd only)*	46.4213%	3,317
Condition Ratios (%)
Loss allowance to loans	0.9002%	6,680
Loan loss allowance to noncurrent loans	53.7300%	5,299
Noncurrent assets plus other real estate owned to assets	2.5859%	1,865
Noncurrent loans to loans	1.6754%	3,259
Net loans and leases to total assets	77.7204%	2,212
Net loans and leases to deposits	87.9258%	3,815
Net loans and leases to core deposits	120.9826%	2,603
Total domestic deposits to total assets	88.3931%	1,292
Equity capital to assets	8.7737%	5,699
Core capital (leverage) ratio	9.0558%	4,661
Tier 1 risk-based capital ratio	10.3005%	6,421
Total risk-based capital ratio	11.1294%	6,756
Memoranda:
Average total assets	$403,670,000	1,689
Average earning assets	$373,337,200	1,667
Average equity	$37,580,200	1,801
Average total loans	$316,541,800	1,528