Home > The Bank of Romney > Performance and Condition Ratios

The Bank of Romney, Performance and Condition Ratios

Basic Info Reviews History Routing Number Locations

2025-03-31		Rank
Percentage of unprofitable institutions	0.0000%	303
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.0036%	1,171
Cost of funding earning assets	1.4906%	3,225
Net interest margin	4.5129%	610
Noninterest income to average assets	0.5400%	1,566
Noninterest expense to average assets	2.8450%	1,420
Loan and lease loss provision to assets	0.0800%	1,535
Net operating income to assets	1.3315%	1,414
Return on assets (ROA)	1.3315%	1,407
Pretax return on assets	1.7147%	1,092
Return on Equity (ROE)	8.8500%	2,640
Retained earnings to average equity (ytd only)	7.6061%	1,812
Net charge-offs to loans	0.8089%	195
Credit loss provision to net charge-offs	14.2315%	1,672
Earnings coverage of net charge-offs (x)	3.0209%	2,043
Efficiency ratio	61.2558%	2,798
Assets per employee ($millions)	5.0934%	3,603
Cash dividends to net income (ytd only)*	14.0917%	2,109
Condition Ratios (%)
Loss allowance to loans	0.8644%	3,695
Loan loss allowance to noncurrent loans	39.7784%	3,587
Noncurrent assets plus other real estate owned to assets	2.1527%	191
Noncurrent loans to loans	2.1731%	378
Net loans and leases to total assets	71.6000%	1,656
Net loans and leases to deposits	95.1664%	681
Net loans and leases to core deposits	101.7408%	1,266
Total domestic deposits to total assets	75.2400%	4,026
Equity capital to assets	15.1435%	548
Core capital (leverage) ratio	15.5498%	538
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,736
Memoranda:
Average total assets	$353,883,500	2,244
Average earning assets	$321,475,000	2,270
Average equity	$53,220,500	1,690
Average total loans	$260,608,500	2,058
2024-12-31		Rank
Percentage of unprofitable institutions	0.0000%	319
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.8448%	1,519
Cost of funding earning assets	1.5754%	3,217
Net interest margin	4.2694%	858
Noninterest income to average assets	0.5200%	1,840
Noninterest expense to average assets	2.6394%	1,904
Loan and lease loss provision to assets	0.1900%	718
Net operating income to assets	1.2389%	1,418
Return on assets (ROA)	1.2821%	1,336
Pretax return on assets	1.6549%	1,046
Return on Equity (ROE)	9.3200%	2,359
Retained earnings to average equity (ytd only)	5.1312%	2,191
Net charge-offs to loans	0.1398%	934
Credit loss provision to net charge-offs	183.2884%	1,214
Earnings coverage of net charge-offs (x)	17.2776%	1,939
Efficiency ratio	59.6068%	3,212
Assets per employee ($millions)	5.0903%	3,574
Cash dividends to net income (ytd only)*	44.9619%	1,883
Condition Ratios (%)
Loss allowance to loans	1.0159%	3,134
Loan loss allowance to noncurrent loans	30.0034%	3,675
Noncurrent assets plus other real estate owned to assets	2.8098%	98
Noncurrent loans to loans	3.3860%	145
Net loans and leases to total assets	74.3200%	1,365
Net loans and leases to deposits	99.6804%	501
Net loans and leases to core deposits	109.9176%	942
Total domestic deposits to total assets	74.5600%	4,029
Equity capital to assets	14.9329%	561
Core capital (leverage) ratio	15.3248%	557
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,791
Memoranda:
Average total assets	$358,383,200	2,202
Average earning assets	$328,241,400	2,219
Average equity	$49,287,000	1,735
Average total loans	$265,431,000	1,997
2024-09-30		Rank
Percentage of unprofitable institutions	0.0000%	305
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7968%	1,555
Cost of funding earning assets	1.5785%	3,209
Net interest margin	4.2182%	880
Noninterest income to average assets	0.5000%	1,897
Noninterest expense to average assets	2.6083%	1,934
Loan and lease loss provision to assets	0.0800%	1,521
Net operating income to assets	1.3016%	1,306
Return on assets (ROA)	1.3590%	1,193
Pretax return on assets	1.7476%	941
Return on Equity (ROE)	10.0900%	2,166
Retained earnings to average equity (ytd only)	8.7069%	1,191
Net charge-offs to loans	0.0652%	1,256
Credit loss provision to net charge-offs	176.9231%	1,169
Earnings coverage of net charge-offs (x)	36.5385%	1,395
Efficiency ratio	59.7321%	3,188
Assets per employee ($millions)	5.3257%	3,427
Cash dividends to net income (ytd only)*	13.7292%	2,724
Condition Ratios (%)
Loss allowance to loans	0.9355%	3,547
Loan loss allowance to noncurrent loans	32.3896%	3,698
Noncurrent assets plus other real estate owned to assets	2.3855%	138
Noncurrent loans to loans	2.8884%	216
Net loans and leases to total assets	73.3300%	1,456
Net loans and leases to deposits	96.8121%	664
Net loans and leases to core deposits	107.3671%	1,056
Total domestic deposits to total assets	75.7500%	3,939
Equity capital to assets	14.3263%	673
Core capital (leverage) ratio	15.1093%	610
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,827
Memoranda:
Average total assets	$360,171,000	2,178
Average earning assets	$330,337,500	2,204
Average equity	$48,496,500	1,744
Average total loans	$265,862,000	1,980
2024-06-30		Rank
Percentage of unprofitable institutions	0.0000%	306
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7266%	1,560
Cost of funding earning assets	1.6281%	3,024
Net interest margin	4.0984%	1,000
Noninterest income to average assets	0.4900%	1,897
Noninterest expense to average assets	2.5287%	2,161
Loan and lease loss provision to assets	0.0800%	1,436
Net operating income to assets	1.2700%	1,326
Return on assets (ROA)	1.3557%	1,167
Pretax return on assets	1.7427%	925
Return on Equity (ROE)	10.2900%	2,081
Retained earnings to average equity (ytd only)	9.6719%	959
Net charge-offs to loans	0.0585%	1,186
Credit loss provision to net charge-offs	192.3077%	1,048
Earnings coverage of net charge-offs (x)	39.7692%	1,253
Efficiency ratio	59.5567%	3,245
Assets per employee ($millions)	5.3277%	3,349
Cash dividends to net income (ytd only)*	5.9616%	2,799
Condition Ratios (%)
Loss allowance to loans	0.9135%	3,655
Loan loss allowance to noncurrent loans	33.4566%	3,695
Noncurrent assets plus other real estate owned to assets	2.2585%	142
Noncurrent loans to loans	2.7304%	221
Net loans and leases to total assets	73.1100%	1,518
Net loans and leases to deposits	96.2553%	782
Net loans and leases to core deposits	109.7052%	984
Total domestic deposits to total assets	75.9600%	3,902
Equity capital to assets	13.5262%	766
Core capital (leverage) ratio	14.4473%	719
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,851
Memoranda:
Average total assets	$361,288,333	2,160
Average earning assets	$331,296,667	2,183
Average equity	$47,622,333	1,742
Average total loans	$266,439,333	1,983
2024-03-31		Rank
Percentage of unprofitable institutions	0.0000%	11
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6436%	1,552
Cost of funding earning assets	1.5969%	2,991
Net interest margin	4.0467%	1,025
Noninterest income to average assets	0.4700%	1,919
Noninterest expense to average assets	2.5111%	2,212
Loan and lease loss provision to assets	0.0800%	1,272
Net operating income to assets	1.2319%	1,365
Return on assets (ROA)	1.4036%	1,055
Pretax return on assets	1.8049%	834
Return on Equity (ROE)	10.7900%	1,908
Retained earnings to average equity (ytd only)	9.5457%	1,201
Net charge-offs to loans	0.4196%	214
Credit loss provision to net charge-offs	26.8817%	1,498
Earnings coverage of net charge-offs (x)	5.4014%	1,858
Efficiency ratio	60.0477%	3,259
Assets per employee ($millions)	5.6746%	3,092
Cash dividends to net income (ytd only)*	11.5324%	2,132
Condition Ratios (%)
Loss allowance to loans	0.8194%	3,898
Loan loss allowance to noncurrent loans	29.8347%	3,738
Noncurrent assets plus other real estate owned to assets	2.2422%	122
Noncurrent loans to loans	2.7465%	194
Net loans and leases to total assets	72.1900%	1,540
Net loans and leases to deposits	95.4784%	758
Net loans and leases to core deposits	109.1659%	978
Total domestic deposits to total assets	75.6100%	4,015
Equity capital to assets	13.0782%	842
Core capital (leverage) ratio	14.3971%	704
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,874
Memoranda:
Average total assets	$360,792,000	2,174
Average earning assets	$331,135,500	2,186
Average equity	$46,932,000	1,750
Average total loans	$265,997,500	1,982
2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2368%	1,596
Cost of funding earning assets	1.1354%	2,970
Net interest margin	4.1014%	1,072
Noninterest income to average assets	0.5000%	1,995
Noninterest expense to average assets	2.6016%	1,993
Loan and lease loss provision to assets	0.1900%	662
Net operating income to assets	1.1538%	1,773
Return on assets (ROA)	1.1538%	1,742
Pretax return on assets	1.4782%	1,475
Return on Equity (ROE)	9.3400%	2,680
Retained earnings to average equity (ytd only)	6.8246%	1,947
Net charge-offs to loans	0.0790%	1,074
Credit loss provision to net charge-offs	37.6190%	2,252
Earnings coverage of net charge-offs (x)	28.4524%	1,663
Efficiency ratio	60.9732%	2,975
Assets per employee ($millions)	5.1943%	3,478
Cash dividends to net income (ytd only)*	26.9082%	2,674
Condition Ratios (%)
Loss allowance to loans	0.8855%	3,764
Loan loss allowance to noncurrent loans	32.0011%	3,723
Noncurrent assets plus other real estate owned to assets	2.3127%	102
Noncurrent loans to loans	2.7670%	162
Net loans and leases to total assets	74.0200%	1,363
Net loans and leases to deposits	101.2689%	467
Net loans and leases to core deposits	112.3238%	876
Total domestic deposits to total assets	73.0900%	4,163
Equity capital to assets	12.9370%	869
Core capital (leverage) ratio	14.0945%	783
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,896
Memoranda:
Average total assets	$358,817,400	2,166
Average earning assets	$329,933,600	2,176
Average equity	$44,339,800	1,750
Average total loans	$265,765,800	1,932
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1245%	1,583
Cost of funding earning assets	1.0453%	2,905
Net interest margin	4.0792%	1,097
Noninterest income to average assets	0.4900%	2,012
Noninterest expense to average assets	2.5821%	1,993
Loan and lease loss provision to assets	0.2300%	452
Net operating income to assets	1.1152%	2,006
Return on assets (ROA)	1.1152%	1,988
Pretax return on assets	1.4272%	1,720
Return on Equity (ROE)	9.1300%	2,894
Retained earnings to average equity (ytd only)	8.6934%	1,768
Net charge-offs to loans	0.0824%	902
Credit loss provision to net charge-offs	12.1951%	2,030
Earnings coverage of net charge-offs (x)	27.1829%	1,647
Efficiency ratio	60.9256%	2,851
Assets per employee ($millions)	5.1813%	3,451
Cash dividends to net income (ytd only)*	4.7968%	2,918
Condition Ratios (%)
Loss allowance to loans	0.8795%	3,801
Loan loss allowance to noncurrent loans	31.4939%	3,751
Noncurrent assets plus other real estate owned to assets	2.3521%	105
Noncurrent loans to loans	2.7926%	157
Net loans and leases to total assets	74.3000%	1,308
Net loans and leases to deposits	101.2869%	461
Net loans and leases to core deposits	110.3104%	864
Total domestic deposits to total assets	73.3600%	4,202
Equity capital to assets	12.5218%	917
Core capital (leverage) ratio	14.1958%	784
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,911
Memoranda:
Average total assets	$358,920,000	2,170
Average earning assets	$330,221,500	2,181
Average equity	$43,833,000	1,755
Average total loans	$265,293,750	1,936
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0367%	1,500
Cost of funding earning assets	0.9678%	2,708
Net interest margin	4.0689%	1,130
Noninterest income to average assets	0.4700%	2,031
Noninterest expense to average assets	2.5354%	2,108
Loan and lease loss provision to assets	0.3400%	263
Net operating income to assets	1.0696%	2,209
Return on assets (ROA)	1.0696%	2,205
Pretax return on assets	1.3490%	1,944
Return on Equity (ROE)	8.8300%	3,028
Retained earnings to average equity (ytd only)	8.8324%	1,726
Net charge-offs to loans	0.1415%	542
Credit loss provision to net charge-offs	4.8128%	1,810
Earnings coverage of net charge-offs (x)	16.1979%	1,836
Efficiency ratio	60.0659%	2,953
Assets per employee ($millions)	5.0704%	3,534
Cash dividends to net income (ytd only)*	0.0000%	2,909
Condition Ratios (%)
Loss allowance to loans	0.8882%	3,820
Loan loss allowance to noncurrent loans	41.2464%	3,695
Noncurrent assets plus other real estate owned to assets	1.8686%	154
Noncurrent loans to loans	2.1534%	242
Net loans and leases to total assets	73.0300%	1,407
Net loans and leases to deposits	99.3515%	549
Net loans and leases to core deposits	108.0665%	906
Total domestic deposits to total assets	73.5100%	4,225
Equity capital to assets	12.4643%	937
Core capital (leverage) ratio	13.8371%	804
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,936
Memoranda:
Average total assets	$359,389,000	2,173
Average earning assets	$331,049,667	2,185
Average equity	$43,521,667	1,762
Average total loans	$264,395,000	1,933
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8031%	1,607
Cost of funding earning assets	0.8846%	2,423
Net interest margin	3.9185%	1,440
Noninterest income to average assets	0.4800%	1,921
Noninterest expense to average assets	2.4733%	2,311
Loan and lease loss provision to assets	0.5200%	143
Net operating income to assets	0.8827%	2,910
Return on assets (ROA)	0.8827%	2,867
Pretax return on assets	1.0951%	2,720
Return on Equity (ROE)	7.4000%	3,433
Retained earnings to average equity (ytd only)	7.3952%	2,392
Net charge-offs to loans	0.0060%	1,735
Credit loss provision to net charge-offs	700.0000%	454
Earnings coverage of net charge-offs (x)	366.0000%	308
Efficiency ratio	60.4324%	2,905
Assets per employee ($millions)	5.2387%	3,469
Cash dividends to net income (ytd only)*	0.0000%	2,306
Condition Ratios (%)
Loss allowance to loans	0.9502%	3,712
Loan loss allowance to noncurrent loans	34.1770%	3,792
Noncurrent assets plus other real estate owned to assets	2.0762%	114
Noncurrent loans to loans	2.7801%	163
Net loans and leases to total assets	72.8200%	1,341
Net loans and leases to deposits	99.6668%	458
Net loans and leases to core deposits	109.8333%	707
Total domestic deposits to total assets	73.0600%	4,318
Equity capital to assets	12.1127%	969
Core capital (leverage) ratio	13.4809%	837
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,020
Memoranda:
Average total assets	$361,620,000	2,192
Average earning assets	$333,702,000	2,197
Average equity	$43,163,000	1,791
Average total loans	$265,822,000	1,945
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7043%	510
Cost of funding earning assets	0.6281%	794
Net interest margin	4.0762%	693
Noninterest income to average assets	0.4600%	2,330
Noninterest expense to average assets	2.4247%	2,351
Loan and lease loss provision to assets	0.0700%	1,594
Net operating income to assets	1.3608%	1,244
Return on assets (ROA)	1.3518%	1,234
Pretax return on assets	1.7328%	854
Return on Equity (ROE)	12.0700%	2,116
Retained earnings to average equity (ytd only)	11.1044%	862
Net charge-offs to loans	0.0235%	1,592
Credit loss provision to net charge-offs	387.0968%	790
Earnings coverage of net charge-offs (x)	107.4677%	942
Efficiency ratio	57.2665%	3,431
Assets per employee ($millions)	5.0953%	3,600
Cash dividends to net income (ytd only)*	8.0354%	3,296
Condition Ratios (%)
Loss allowance to loans	0.9515%	3,595
Loan loss allowance to noncurrent loans	40.1651%	3,773
Noncurrent assets plus other real estate owned to assets	1.7412%	159
Noncurrent loans to loans	2.3690%	202
Net loans and leases to total assets	72.8000%	1,331
Net loans and leases to deposits	98.7240%	488
Net loans and leases to core deposits	111.2784%	569
Total domestic deposits to total assets	73.7400%	4,364
Equity capital to assets	11.7594%	1,006
Core capital (leverage) ratio	13.0058%	937
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,055
Memoranda:
Average total assets	$368,251,400	2,148
Average earning assets	$341,322,800	2,148
Average equity	$41,227,000	1,881
Average total loans	$264,203,400	1,879
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6629%	375
Cost of funding earning assets	0.5987%	444
Net interest margin	4.0642%	555
Noninterest income to average assets	0.4400%	2,486
Noninterest expense to average assets	2.3914%	2,365
Loan and lease loss provision to assets	0.0100%	2,534
Net operating income to assets	1.4181%	1,039
Return on assets (ROA)	1.4181%	1,011
Pretax return on assets	1.8172%	706
Return on Equity (ROE)	12.8300%	1,761
Retained earnings to average equity (ytd only)	12.8250%	642
Net charge-offs to loans	0.0308%	1,220
Credit loss provision to net charge-offs	32.7869%	1,595
Earnings coverage of net charge-offs (x)	82.9672%	1,028
Efficiency ratio	56.7251%	3,547
Assets per employee ($millions)	5.1684%	3,535
Cash dividends to net income (ytd only)*	0.0000%	3,071
Condition Ratios (%)
Loss allowance to loans	0.8565%	3,973
Loan loss allowance to noncurrent loans	38.0662%	3,851
Noncurrent assets plus other real estate owned to assets	1.6314%	196
Noncurrent loans to loans	2.2501%	252
Net loans and leases to total assets	71.8800%	1,311
Net loans and leases to deposits	96.3418%	542
Net loans and leases to core deposits	109.8371%	473
Total domestic deposits to total assets	74.6100%	4,433
Equity capital to assets	10.8480%	1,231
Core capital (leverage) ratio	12.6006%	1,029
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,120
Memoranda:
Average total assets	$369,872,000	2,155
Average earning assets	$343,186,250	2,152
Average equity	$40,898,250	1,921
Average total loans	$263,780,000	1,882
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5636%	336
Cost of funding earning assets	0.5798%	320
Net interest margin	3.9838%	511
Noninterest income to average assets	0.4270%	2,584
Noninterest expense to average assets	2.3932%	2,246
Loan and lease loss provision to assets	0.0000%	2,599
Net operating income to assets	1.3410%	1,045
Return on assets (ROA)	1.3410%	1,024
Pretax return on assets	1.7306%	697
Return on Equity (ROE)	12.0511%	1,656
Retained earnings to average equity (ytd only)	12.0511%	597
Net charge-offs to loans	0.0031%	1,957
Credit loss provision to net charge-offs	0.0000%	1,663
Earnings coverage of net charge-offs (x)	798.5000%	176
Efficiency ratio	58.0344%	3,554
Assets per employee ($millions)	5.0462%	3,640
Cash dividends to net income (ytd only)*	0.0000%	2,927
Condition Ratios (%)
Loss allowance to loans	0.8895%	3,980
Loan loss allowance to noncurrent loans	49.3485%	3,807
Noncurrent assets plus other real estate owned to assets	1.3192%	300
Noncurrent loans to loans	1.8025%	370
Net loans and leases to total assets	72.0063%	1,098
Net loans and leases to deposits	99.5476%	291
Net loans and leases to core deposits	110.4634%	343
Total domestic deposits to total assets	72.3336%	4,577
Equity capital to assets	11.1187%	1,160
Core capital (leverage) ratio	12.4689%	984
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$369,121,667	2,161
Average earning assets	$342,535,667	2,173
Average equity	$41,075,000	1,955
Average total loans	$261,771,667	1,887
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4320%	363
Cost of funding earning assets	0.5902%	279
Net interest margin	3.8419%	580
Noninterest income to average assets	0.4043%	2,660
Noninterest expense to average assets	2.3300%	2,394
Loan and lease loss provision to assets	0.0000%	2,285
Net operating income to assets	1.2741%	1,062
Return on assets (ROA)	1.2741%	1,055
Pretax return on assets	1.6440%	766
Return on Equity (ROE)	11.4454%	1,478
Retained earnings to average equity (ytd only)	11.4454%	699
Net charge-offs to loans	0.0092%	1,413
Credit loss provision to net charge-offs	0.0000%	1,336
Earnings coverage of net charge-offs (x)	254.8333%	361
Efficiency ratio	58.6310%	3,618
Assets per employee ($millions)	5.1618%	3,614
Cash dividends to net income (ytd only)*	0.0000%	2,254
Condition Ratios (%)
Loss allowance to loans	0.9013%	4,041
Loan loss allowance to noncurrent loans	44.2558%	3,889
Noncurrent assets plus other real estate owned to assets	1.4263%	266
Noncurrent loans to loans	2.0365%	352
Net loans and leases to total assets	69.4056%	1,071
Net loans and leases to deposits	95.6142%	291
Net loans and leases to core deposits	107.1315%	325
Total domestic deposits to total assets	72.5892%	4,610
Equity capital to assets	10.9678%	1,338
Core capital (leverage) ratio	12.0857%	1,036
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$372,020,000	2,162
Average earning assets	$345,665,500	2,163
Average equity	$41,414,000	1,997
Average total loans	$260,675,000	1,886
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6213%	485
Cost of funding earning assets	0.6466%	428
Net interest margin	3.9748%	746
Noninterest income to average assets	0.6431%	1,975
Noninterest expense to average assets	2.5449%	2,044
Loan and lease loss provision to assets	0.0677%	1,713
Net operating income to assets	1.4024%	1,270
Return on assets (ROA)	1.4247%	1,263
Pretax return on assets	1.7587%	1,006
Return on Equity (ROE)	13.1443%	1,416
Retained earnings to average equity (ytd only)	13.1443%	381
Net charge-offs to loans	-0.0191%	3,959
Credit loss provision to net charge-offs	-510.6383%	3,768
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	58.5882%	3,350
Assets per employee ($millions)	5.1720%	3,577
Cash dividends to net income (ytd only)*	0.0000%	3,588
Condition Ratios (%)
Loss allowance to loans	0.9010%	4,062
Loan loss allowance to noncurrent loans	47.4864%	3,914
Noncurrent assets plus other real estate owned to assets	1.3301%	338
Noncurrent loans to loans	1.8973%	423
Net loans and leases to total assets	69.4718%	1,101
Net loans and leases to deposits	98.2179%	243
Net loans and leases to core deposits	110.9284%	273
Total domestic deposits to total assets	70.7323%	4,669
Equity capital to assets	11.2963%	1,609
Core capital (leverage) ratio	11.9678%	1,099
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$354,519,600	2,174
Average earning assets	$330,056,600	2,186
Average equity	$38,427,200	2,142
Average total loans	$245,984,800	1,955
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6956%	488
Cost of funding earning assets	0.6658%	460
Net interest margin	4.0297%	746
Noninterest income to average assets	0.6966%	1,828
Noninterest expense to average assets	2.5569%	1,964
Loan and lease loss provision to assets	0.0914%	1,308
Net operating income to assets	1.4613%	1,355
Return on assets (ROA)	1.4915%	1,338
Pretax return on assets	1.8385%	1,069
Return on Equity (ROE)	13.9167%	1,415
Retained earnings to average equity (ytd only)	13.9167%	515
Net charge-offs to loans	-0.0512%	4,367
Credit loss provision to net charge-offs	-258.0645%	3,447
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	57.4645%	3,355
Assets per employee ($millions)	5.0450%	3,659
Cash dividends to net income (ytd only)*	0.0000%	3,236
Condition Ratios (%)
Loss allowance to loans	0.9509%	4,005
Loan loss allowance to noncurrent loans	118.7717%	3,209
Noncurrent assets plus other real estate owned to assets	0.5558%	1,385
Noncurrent loans to loans	0.8006%	1,418
Net loans and leases to total assets	68.7629%	1,227
Net loans and leases to deposits	96.5956%	332
Net loans and leases to core deposits	109.5919%	332
Total domestic deposits to total assets	71.1864%	4,705
Equity capital to assets	10.8827%	2,095
Core capital (leverage) ratio	11.9091%	1,201
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$350,052,750	2,220
Average earning assets	$326,000,750	2,225
Average equity	$37,517,500	2,200
Average total loans	$242,217,000	2,009
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5995%	626
Cost of funding earning assets	0.6971%	473
Net interest margin	3.9024%	967
Noninterest income to average assets	0.5410%	2,442
Noninterest expense to average assets	2.4869%	2,190
Loan and lease loss provision to assets	0.1389%	875
Net operating income to assets	1.2374%	2,059
Return on assets (ROA)	1.2805%	1,998
Pretax return on assets	1.6033%	1,725
Return on Equity (ROE)	12.0119%	2,061
Retained earnings to average equity (ytd only)	12.0119%	915
Net charge-offs to loans	-0.0142%	3,828
Credit loss provision to net charge-offs	-1,411.7647%	3,746
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	59.5621%	3,071
Assets per employee ($millions)	4.7806%	3,855
Cash dividends to net income (ytd only)*	0.0000%	3,087
Condition Ratios (%)
Loss allowance to loans	0.9439%	4,016
Loan loss allowance to noncurrent loans	85.2110%	3,516
Noncurrent assets plus other real estate owned to assets	0.7844%	1,038
Noncurrent loans to loans	1.1077%	1,092
Net loans and leases to total assets	68.8805%	1,342
Net loans and leases to deposits	95.8294%	388
Net loans and leases to core deposits	109.9077%	362
Total domestic deposits to total assets	71.8783%	4,712
Equity capital to assets	10.6883%	2,234
Core capital (leverage) ratio	11.5942%	1,267
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$345,657,667	2,225
Average earning assets	$321,908,000	2,233
Average equity	$36,846,667	2,224
Average total loans	$238,899,000	2,039
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4956%	779
Cost of funding earning assets	0.7363%	477
Net interest margin	3.7593%	1,217
Noninterest income to average assets	0.5784%	2,296
Noninterest expense to average assets	2.5210%	2,117
Loan and lease loss provision to assets	0.1405%	951
Net operating income to assets	1.1290%	2,389
Return on assets (ROA)	1.1768%	2,316
Pretax return on assets	1.4742%	2,061
Return on Equity (ROE)	11.0547%	2,353
Retained earnings to average equity (ytd only)	11.0547%	1,389
Net charge-offs to loans	0.0595%	926
Credit loss provision to net charge-offs	342.8571%	704
Earnings coverage of net charge-offs (x)	37.9429%	1,002
Efficiency ratio	61.8500%	2,782
Assets per employee ($millions)	4.8221%	3,836
Cash dividends to net income (ytd only)*	0.0000%	2,433
Condition Ratios (%)
Loss allowance to loans	0.9151%	4,113
Loan loss allowance to noncurrent loans	61.0622%	3,835
Noncurrent assets plus other real estate owned to assets	1.1060%	713
Noncurrent loans to loans	1.4987%	837
Net loans and leases to total assets	67.0483%	1,654
Net loans and leases to deposits	92.8333%	554
Net loans and leases to core deposits	105.2639%	535
Total domestic deposits to total assets	72.2244%	4,714
Equity capital to assets	10.5307%	2,244
Core capital (leverage) ratio	11.7733%	1,263
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$341,605,500	2,232
Average earning assets	$317,822,500	2,231
Average equity	$36,364,500	2,242
Average total loans	$235,351,000	2,061
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7776%	765
Cost of funding earning assets	0.9270%	778
Net interest margin	3.8506%	1,354
Noninterest income to average assets	0.5025%	2,622
Noninterest expense to average assets	2.4556%	2,976
Loan and lease loss provision to assets	0.1277%	2,764
Net operating income to assets	1.1902%	1,581
Return on assets (ROA)	1.1932%	1,679
Pretax return on assets	1.4870%	1,372
Return on Equity (ROE)	10.9893%	1,629
Retained earnings to average equity (ytd only)	8.1201%	1,018
Net charge-offs to loans	0.0768%	1,716
Credit loss provision to net charge-offs	235.6322%	1,990
Earnings coverage of net charge-offs (x)	29.7184%	1,620
Efficiency ratio	60.3846%	3,399
Assets per employee ($millions)	4.6030%	3,808
Cash dividends to net income (ytd only)*	26.1097%	3,013
Condition Ratios (%)
Loss allowance to loans	0.8759%	4,258
Loan loss allowance to noncurrent loans	61.7709%	3,858
Noncurrent assets plus other real estate owned to assets	1.0821%	849
Noncurrent loans to loans	1.4179%	950
Net loans and leases to total assets	69.5498%	1,615
Net loans and leases to deposits	97.3397%	492
Net loans and leases to core deposits	110.4140%	495
Total domestic deposits to total assets	71.4506%	4,738
Equity capital to assets	10.7634%	2,465
Core capital (leverage) ratio	11.7926%	1,325
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$320,979,800	2,188
Average earning assets	$297,096,200	2,201
Average equity	$34,852,000	2,239
Average total loans	$226,649,200	2,058
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7701%	927
Cost of funding earning assets	0.9727%	840
Net interest margin	3.7974%	1,624
Noninterest income to average assets	0.4880%	2,662
Noninterest expense to average assets	2.4546%	2,980
Loan and lease loss provision to assets	0.1220%	2,806
Net operating income to assets	1.1404%	1,852
Return on assets (ROA)	1.1407%	1,964
Pretax return on assets	1.4236%	1,656
Return on Equity (ROE)	10.4816%	1,848
Retained earnings to average equity (ytd only)	8.5505%	1,128
Net charge-offs to loans	0.0677%	1,644
Credit loss provision to net charge-offs	254.3860%	1,909
Earnings coverage of net charge-offs (x)	32.2456%	1,523
Efficiency ratio	61.3703%	3,167
Assets per employee ($millions)	4.6382%	3,672
Cash dividends to net income (ytd only)*	18.4230%	2,859
Condition Ratios (%)
Loss allowance to loans	0.8562%	4,210
Loan loss allowance to noncurrent loans	54.8564%	3,960
Noncurrent assets plus other real estate owned to assets	1.1755%	871
Noncurrent loans to loans	1.5608%	907
Net loans and leases to total assets	68.5692%	2,165
Net loans and leases to deposits	96.7616%	704
Net loans and leases to core deposits	113.8621%	562
Total domestic deposits to total assets	70.8640%	4,725
Equity capital to assets	10.6477%	2,675
Core capital (leverage) ratio	11.6305%	1,511
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$317,220,250	2,185
Average earning assets	$293,348,500	2,197
Average equity	$34,523,250	2,245
Average total loans	$224,370,250	2,074
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8568%	1,041
Cost of funding earning assets	1.0172%	937
Net interest margin	3.8396%	1,713
Noninterest income to average assets	0.4998%	2,562
Noninterest expense to average assets	2.5166%	2,921
Loan and lease loss provision to assets	0.1096%	2,915
Net operating income to assets	1.1430%	1,832
Return on assets (ROA)	1.1435%	1,957
Pretax return on assets	1.4189%	1,680
Return on Equity (ROE)	10.4252%	1,839
Retained earnings to average equity (ytd only)	7.4852%	1,471
Net charge-offs to loans	0.0597%	1,653
Credit loss provision to net charge-offs	257.5758%	1,730
Earnings coverage of net charge-offs (x)	35.8939%	1,316
Efficiency ratio	62.2229%	3,088
Assets per employee ($millions)	4.4798%	3,813
Cash dividends to net income (ytd only)*	28.2008%	2,424
Condition Ratios (%)
Loss allowance to loans	0.8642%	4,141
Loan loss allowance to noncurrent loans	55.6900%	3,968
Noncurrent assets plus other real estate owned to assets	1.2513%	850
Noncurrent loans to loans	1.5518%	965
Net loans and leases to total assets	67.8049%	2,388
Net loans and leases to deposits	94.2519%	940
Net loans and leases to core deposits	111.8568%	670
Total domestic deposits to total assets	71.9401%	4,713
Equity capital to assets	10.7069%	2,567
Core capital (leverage) ratio	11.8302%	1,478
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$310,097,667	2,195
Average earning assets	$286,278,667	2,214
Average equity	$34,013,667	2,257
Average total loans	$221,103,000	2,072
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0142%	939
Cost of funding earning assets	1.0440%	1,242
Net interest margin	3.9703%	1,473
Noninterest income to average assets	0.4946%	2,577
Noninterest expense to average assets	2.5859%	3,021
Loan and lease loss provision to assets	0.0796%	2,719
Net operating income to assets	1.1832%	1,575
Return on assets (ROA)	1.1842%	1,684
Pretax return on assets	1.4919%	1,327
Return on Equity (ROE)	10.6584%	1,511
Retained earnings to average equity (ytd only)	10.6584%	617
Net charge-offs to loans	0.1401%	896
Credit loss provision to net charge-offs	77.9221%	1,944
Earnings coverage of net charge-offs (x)	15.3766%	1,564
Efficiency ratio	62.2208%	3,476
Assets per employee ($millions)	4.1799%	3,684
Cash dividends to net income (ytd only)*	0.0000%	2,581
Condition Ratios (%)
Loss allowance to loans	0.8262%	4,343
Loan loss allowance to noncurrent loans	51.7714%	4,059
Noncurrent assets plus other real estate owned to assets	1.3595%	844
Noncurrent loans to loans	1.5958%	981
Net loans and leases to total assets	70.3234%	2,197
Net loans and leases to deposits	99.4109%	594
Net loans and leases to core deposits	115.3532%	613
Total domestic deposits to total assets	70.7401%	4,828
Equity capital to assets	10.9983%	2,855
Core capital (leverage) ratio	12.5561%	1,417
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$301,635,500	2,199
Average earning assets	$278,168,500	2,207
Average equity	$33,513,500	2,270
Average total loans	$219,819,500	2,048
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9702%	1,550
Cost of funding earning assets	1.1343%	1,211
Net interest margin	3.8358%	2,386
Noninterest income to average assets	0.5725%	2,357
Noninterest expense to average assets	2.7291%	2,805
Loan and lease loss provision to assets	0.0676%	2,658
Net operating income to assets	1.0768%	2,536
Return on assets (ROA)	1.0771%	2,634
Pretax return on assets	1.3271%	2,404
Return on Equity (ROE)	10.2253%	2,194
Retained earnings to average equity (ytd only)	8.2794%	893
Net charge-offs to loans	0.0302%	2,797
Credit loss provision to net charge-offs	304.6154%	910
Earnings coverage of net charge-offs (x)	62.8000%	955
Efficiency ratio	66.1834%	2,743
Assets per employee ($millions)	3.9724%	3,935
Cash dividends to net income (ytd only)*	19.0295%	3,506
Condition Ratios (%)
Loss allowance to loans	0.8302%	4,220
Loan loss allowance to noncurrent loans	49.0086%	4,110
Noncurrent assets plus other real estate owned to assets	1.3420%	804
Noncurrent loans to loans	1.6940%	815
Net loans and leases to total assets	74.3230%	1,700
Net loans and leases to deposits	105.3535%	324
Net loans and leases to core deposits	122.0484%	425
Total domestic deposits to total assets	70.5463%	4,912
Equity capital to assets	11.2287%	2,781
Core capital (leverage) ratio	12.1629%	1,674
Tier 1 risk-based capital ratio	19.6889%	1,371
Total risk-based capital ratio	20.6685%	1,394
Memoranda:
Average total assets	$292,737,800	2,206
Average earning assets	$270,997,200	2,199
Average equity	$30,835,400	2,345
Average total loans	$215,532,000	2,052
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8778%	1,880
Cost of funding earning assets	1.1242%	1,263
Net interest margin	3.7536%	2,739
Noninterest income to average assets	0.5649%	2,385
Noninterest expense to average assets	2.5906%	3,191
Loan and lease loss provision to assets	0.0903%	2,098
Net operating income to assets	1.1079%	2,542
Return on assets (ROA)	1.1079%	2,629
Pretax return on assets	1.3610%	2,457
Return on Equity (ROE)	10.6955%	2,140
Retained earnings to average equity (ytd only)	10.6955%	582
Net charge-offs to loans	0.0261%	2,570
Credit loss provision to net charge-offs	471.4286%	661
Earnings coverage of net charge-offs (x)	75.7838%	890
Efficiency ratio	64.0948%	2,994
Assets per employee ($millions)	4.1973%	3,615
Cash dividends to net income (ytd only)*	0.0000%	3,563
Condition Ratios (%)
Loss allowance to loans	0.8495%	4,231
Loan loss allowance to noncurrent loans	49.6515%	4,181
Noncurrent assets plus other real estate owned to assets	1.2735%	961
Noncurrent loans to loans	1.7110%	855
Net loans and leases to total assets	70.5454%	2,399
Net loans and leases to deposits	97.3307%	891
Net loans and leases to core deposits	120.3389%	529
Total domestic deposits to total assets	72.4801%	4,897
Equity capital to assets	10.4516%	3,587
Core capital (leverage) ratio	12.0057%	1,847
Tier 1 risk-based capital ratio	19.7999%	1,399
Total risk-based capital ratio	20.8008%	1,417
Memoranda:
Average total assets	$292,432,250	2,219
Average earning assets	$270,881,750	2,221
Average equity	$30,292,250	2,388
Average total loans	$214,337,750	2,080
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8363%	1,950
Cost of funding earning assets	1.1027%	1,290
Net interest margin	3.7336%	2,820
Noninterest income to average assets	0.5629%	2,326
Noninterest expense to average assets	2.6187%	3,151
Loan and lease loss provision to assets	0.0917%	2,019
Net operating income to assets	1.0633%	2,668
Return on assets (ROA)	1.0633%	2,732
Pretax return on assets	1.3094%	2,530
Return on Equity (ROE)	10.2978%	2,253
Retained earnings to average equity (ytd only)	10.2978%	676
Net charge-offs to loans	0.0760%	1,608
Credit loss provision to net charge-offs	162.9630%	1,402
Earnings coverage of net charge-offs (x)	24.8889%	1,613
Efficiency ratio	65.1452%	2,957
Assets per employee ($millions)	3.8003%	4,125
Cash dividends to net income (ytd only)*	0.0000%	3,431
Condition Ratios (%)
Loss allowance to loans	0.8100%	4,410
Loan loss allowance to noncurrent loans	42.2900%	4,348
Noncurrent assets plus other real estate owned to assets	1.6003%	675
Noncurrent loans to loans	1.9152%	765
Net loans and leases to total assets	74.0738%	1,876
Net loans and leases to deposits	104.2333%	412
Net loans and leases to core deposits	121.8729%	492
Total domestic deposits to total assets	71.0654%	5,012
Equity capital to assets	10.7214%	3,326
Core capital (leverage) ratio	12.0736%	1,779
Tier 1 risk-based capital ratio	19.6251%	1,415
Total risk-based capital ratio	20.5845%	1,444
Memoranda:
Average total assets	$287,775,000	2,251
Average earning assets	$266,443,670	2,253
Average equity	$29,715,000	2,417
Average total loans	$213,115,000	2,093
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7476%	2,055
Cost of funding earning assets	1.0670%	1,302
Net interest margin	3.6805%	2,968
Noninterest income to average assets	0.5083%	2,508
Noninterest expense to average assets	2.6305%	3,120
Loan and lease loss provision to assets	0.0919%	1,884
Net operating income to assets	0.9734%	2,959
Return on assets (ROA)	0.9734%	3,000
Pretax return on assets	1.1962%	2,818
Return on Equity (ROE)	9.6117%	2,539
Retained earnings to average equity (ytd only)	9.6117%	1,131
Net charge-offs to loans	0.0944%	1,192
Credit loss provision to net charge-offs	132.0000%	1,343
Earnings coverage of net charge-offs (x)	18.5000%	1,625
Efficiency ratio	67.1286%	2,774
Assets per employee ($millions)	3.7405%	4,291
Cash dividends to net income (ytd only)*	0.0000%	2,768
Condition Ratios (%)
Loss allowance to loans	0.8047%	4,509
Loan loss allowance to noncurrent loans	35.1179%	4,540
Noncurrent assets plus other real estate owned to assets	1.9048%	538
Noncurrent loans to loans	2.2916%	602
Net loans and leases to total assets	73.2688%	1,939
Net loans and leases to deposits	101.8342%	509
Net loans and leases to core deposits	119.9202%	532
Total domestic deposits to total assets	71.9491%	5,048
Equity capital to assets	10.3220%	3,504
Core capital (leverage) ratio	11.9841%	1,786
Tier 1 risk-based capital ratio	19.3793%	1,469
Total risk-based capital ratio	20.3298%	1,502
Memoranda:
Average total assets	$287,250,500	2,268
Average earning assets	$266,156,000	2,268
Average equity	$29,089,500	2,460
Average total loans	$211,827,500	2,125
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6404%	2,016
Cost of funding earning assets	0.9037%	1,075
Net interest margin	3.7367%	2,912
Noninterest income to average assets	0.5984%	2,298
Noninterest expense to average assets	2.7314%	2,927
Loan and lease loss provision to assets	0.0865%	2,411
Net operating income to assets	1.0041%	2,993
Return on assets (ROA)	0.9970%	3,013
Pretax return on assets	1.2286%	2,783
Return on Equity (ROE)	10.2379%	2,425
Retained earnings to average equity (ytd only)	6.6126%	1,857
Net charge-offs to loans	0.0361%	2,678
Credit loss provision to net charge-offs	331.0811%	950
Earnings coverage of net charge-offs (x)	50.6757%	1,127
Efficiency ratio	67.3544%	2,649
Assets per employee ($millions)	3.6729%	4,359
Cash dividends to net income (ytd only)*	35.4108%	2,767
Condition Ratios (%)
Loss allowance to loans	0.8041%	4,522
Loan loss allowance to noncurrent loans	38.6950%	4,501
Noncurrent assets plus other real estate owned to assets	1.6873%	639
Noncurrent loans to loans	2.0781%	643
Net loans and leases to total assets	73.0304%	2,092
Net loans and leases to deposits	99.8116%	759
Net loans and leases to core deposits	119.4204%	565
Total domestic deposits to total assets	73.1682%	4,997
Equity capital to assets	9.9307%	3,740
Core capital (leverage) ratio	11.6858%	1,964
Tier 1 risk-based capital ratio	19.4000%	1,428
Total risk-based capital ratio	20.3618%	1,460
Memoranda:
Average total assets	$283,259,000	2,247
Average earning assets	$262,047,200	2,251
Average equity	$27,583,800	2,480
Average total loans	$204,944,400	2,140
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6000%	1,972
Cost of funding earning assets	0.8742%	1,020
Net interest margin	3.7257%	2,909
Noninterest income to average assets	0.5962%	2,329
Noninterest expense to average assets	2.7294%	2,879
Loan and lease loss provision to assets	0.0850%	2,269
Net operating income to assets	0.9971%	3,095
Return on assets (ROA)	0.9875%	3,149
Pretax return on assets	1.2141%	2,934
Return on Equity (ROE)	10.1920%	2,534
Retained earnings to average equity (ytd only)	10.1920%	859
Net charge-offs to loans	0.0059%	3,226
Credit loss provision to net charge-offs	2,000.0000%	206
Earnings coverage of net charge-offs (x)	308.5475%	302
Efficiency ratio	67.5546%	2,617
Assets per employee ($millions)	3.7045%	4,303
Cash dividends to net income (ytd only)*	0.0000%	3,598
Condition Ratios (%)
Loss allowance to loans	0.8123%	4,569
Loan loss allowance to noncurrent loans	39.9435%	4,574
Noncurrent assets plus other real estate owned to assets	1.8714%	603
Noncurrent loans to loans	2.0337%	712
Net loans and leases to total assets	72.6005%	2,231
Net loans and leases to deposits	98.5214%	909
Net loans and leases to core deposits	116.7165%	682
Total domestic deposits to total assets	73.6901%	5,007
Equity capital to assets	9.8634%	3,770
Core capital (leverage) ratio	11.8061%	1,910
Tier 1 risk-based capital ratio	19.6837%	1,402
Total risk-based capital ratio	20.6520%	1,422
Memoranda:
Average total assets	$282,452,500	2,264
Average earning assets	$261,095,750	2,262
Average equity	$27,367,250	2,498
Average total loans	$203,451,250	2,157
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5084%	2,070
Cost of funding earning assets	0.8248%	1,027
Net interest margin	3.6836%	2,997
Noninterest income to average assets	0.5897%	2,386
Noninterest expense to average assets	2.7224%	2,932
Loan and lease loss provision to assets	0.0853%	2,212
Net operating income to assets	0.9578%	3,202
Return on assets (ROA)	0.9434%	3,264
Pretax return on assets	1.1687%	3,053
Return on Equity (ROE)	9.7966%	2,659
Retained earnings to average equity (ytd only)	9.7966%	987
Net charge-offs to loans	-0.0010%	3,889
Credit loss provision to net charge-offs	-12,000.0000%	4,818
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	68.1608%	2,615
Assets per employee ($millions)	3.7363%	4,306
Cash dividends to net income (ytd only)*	0.0000%	3,456
Condition Ratios (%)
Loss allowance to loans	0.7985%	4,701
Loan loss allowance to noncurrent loans	42.0864%	4,560
Noncurrent assets plus other real estate owned to assets	1.7651%	674
Noncurrent loans to loans	1.8973%	812
Net loans and leases to total assets	72.0151%	2,274
Net loans and leases to deposits	98.9442%	888
Net loans and leases to core deposits	119.0596%	586
Total domestic deposits to total assets	72.7836%	5,133
Equity capital to assets	9.7036%	3,911
Core capital (leverage) ratio	11.6591%	1,934
Tier 1 risk-based capital ratio	19.4002%	1,456
Total risk-based capital ratio	20.3475%	1,494
Memoranda:
Average total assets	$281,521,330	2,274
Average earning assets	$260,183,670	2,277
Average equity	$27,111,330	2,527
Average total loans	$201,673,000	2,171
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4679%	1,962
Cost of funding earning assets	0.7848%	1,019
Net interest margin	3.6831%	2,866
Noninterest income to average assets	0.5622%	2,462
Noninterest expense to average assets	2.7499%	2,873
Loan and lease loss provision to assets	0.0856%	2,088
Net operating income to assets	0.9104%	3,249
Return on assets (ROA)	0.9104%	3,259
Pretax return on assets	1.1288%	3,057
Return on Equity (ROE)	9.4905%	2,681
Retained earnings to average equity (ytd only)	9.4905%	1,309
Net charge-offs to loans	0.0000%	2,722
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.3665%	2,605
Assets per employee ($millions)	3.6855%	4,435
Cash dividends to net income (ytd only)*	0.0000%	2,749
Condition Ratios (%)
Loss allowance to loans	0.7933%	4,806
Loan loss allowance to noncurrent loans	40.1571%	4,638
Noncurrent assets plus other real estate owned to assets	1.8376%	657
Noncurrent loans to loans	1.9756%	819
Net loans and leases to total assets	70.7619%	2,365
Net loans and leases to deposits	94.3505%	1,196
Net loans and leases to core deposits	113.8868%	811
Total domestic deposits to total assets	74.9989%	5,065
Equity capital to assets	9.6255%	3,970
Core capital (leverage) ratio	11.5836%	1,950
Tier 1 risk-based capital ratio	18.8061%	1,602
Total risk-based capital ratio	19.7088%	1,668
Memoranda:
Average total assets	$280,303,500	2,303
Average earning assets	$258,913,500	2,301
Average equity	$26,890,000	2,562
Average total loans	$199,440,500	2,202
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4990%	1,709
Cost of funding earning assets	0.6909%	1,074
Net interest margin	3.8081%	2,395
Noninterest income to average assets	0.5837%	2,531
Noninterest expense to average assets	2.8692%	2,555
Loan and lease loss provision to assets	0.0432%	3,379
Net operating income to assets	0.6783%	3,687
Return on assets (ROA)	0.6814%	3,728
Pretax return on assets	1.1691%	2,901
Return on Equity (ROE)	6.8495%	3,351
Retained earnings to average equity (ytd only)	3.5388%	3,158
Net charge-offs to loans	0.2119%	1,225
Credit loss provision to net charge-offs	29.9492%	3,537
Earnings coverage of net charge-offs (x)	8.3756%	2,920
Efficiency ratio	70.3797%	2,494
Assets per employee ($millions)	3.6909%	4,443
Cash dividends to net income (ytd only)*	48.3351%	2,393
Condition Ratios (%)
Loss allowance to loans	0.7655%	4,917
Loan loss allowance to noncurrent loans	43.7554%	4,614
Noncurrent assets plus other real estate owned to assets	1.6902%	759
Noncurrent loans to loans	1.7494%	922
Net loans and leases to total assets	70.4325%	2,458
Net loans and leases to deposits	95.7813%	1,106
Net loans and leases to core deposits	115.3466%	741
Total domestic deposits to total assets	73.5347%	5,225
Equity capital to assets	9.5609%	4,177
Core capital (leverage) ratio	11.3378%	2,070
Tier 1 risk-based capital ratio	18.6452%	1,603
Total risk-based capital ratio	19.5227%	1,669
Memoranda:
Average total assets	$273,277,400	2,327
Average earning assets	$250,675,400	2,344
Average equity	$27,184,600	2,535
Average total loans	$185,962,000	2,273
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5034%	1,630
Cost of funding earning assets	0.6763%	1,088
Net interest margin	3.8271%	2,295
Noninterest income to average assets	0.5707%	2,625
Noninterest expense to average assets	2.8953%	2,425
Loan and lease loss provision to assets	0.0432%	3,239
Net operating income to assets	0.7831%	3,591
Return on assets (ROA)	0.7868%	3,632
Pretax return on assets	1.1424%	3,144
Return on Equity (ROE)	7.8309%	3,216
Retained earnings to average equity (ytd only)	7.8309%	1,287
Net charge-offs to loans	0.2664%	812
Credit loss provision to net charge-offs	24.1096%	3,131
Earnings coverage of net charge-offs (x)	6.5836%	2,973
Efficiency ratio	71.0412%	2,359
Assets per employee ($millions)	3.7205%	4,419
Cash dividends to net income (ytd only)*	0.0000%	3,680
Condition Ratios (%)
Loss allowance to loans	0.7941%	4,911
Loan loss allowance to noncurrent loans	43.1323%	4,687
Noncurrent assets plus other real estate owned to assets	1.7894%	777
Noncurrent loans to loans	1.8411%	959
Net loans and leases to total assets	68.1857%	2,818
Net loans and leases to deposits	93.1689%	1,401
Net loans and leases to core deposits	111.7176%	935
Total domestic deposits to total assets	73.1850%	5,298
Equity capital to assets	10.1542%	3,747
Core capital (leverage) ratio	11.3916%	2,111
Tier 1 risk-based capital ratio	18.4354%	1,748
Total risk-based capital ratio	19.3106%	1,793
Memoranda:
Average total assets	$271,470,000	2,356
Average earning assets	$248,604,750	2,378
Average equity	$27,276,000	2,547
Average total loans	$182,679,500	2,310
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4206%	1,751
Cost of funding earning assets	0.6667%	1,059
Net interest margin	3.7539%	2,457
Noninterest income to average assets	0.5562%	2,678
Noninterest expense to average assets	2.9299%	2,324
Loan and lease loss provision to assets	0.0580%	2,816
Net operating income to assets	0.7219%	3,748
Return on assets (ROA)	0.7288%	3,779
Pretax return on assets	1.0195%	3,484
Return on Equity (ROE)	7.2799%	3,407
Retained earnings to average equity (ytd only)	7.2799%	1,460
Net charge-offs to loans	0.0590%	2,090
Credit loss provision to net charge-offs	147.1698%	1,543
Earnings coverage of net charge-offs (x)	27.0943%	1,550
Efficiency ratio	73.2887%	2,132
Assets per employee ($millions)	3.7656%	4,332
Cash dividends to net income (ytd only)*	0.0000%	3,521
Condition Ratios (%)
Loss allowance to loans	0.9779%	4,280
Loan loss allowance to noncurrent loans	34.9349%	4,885
Noncurrent assets plus other real estate owned to assets	2.4985%	435
Noncurrent loans to loans	2.7993%	499
Net loans and leases to total assets	67.2251%	2,914
Net loans and leases to deposits	90.5932%	1,656
Net loans and leases to core deposits	108.1724%	1,099
Total domestic deposits to total assets	74.2054%	5,273
Equity capital to assets	10.1071%	3,786
Core capital (leverage) ratio	11.5257%	1,952
Tier 1 risk-based capital ratio	18.5394%	1,706
Total risk-based capital ratio	19.6149%	1,720
Memoranda:
Average total assets	$268,947,330	2,377
Average earning assets	$246,572,330	2,403
Average equity	$26,923,330	2,568
Average total loans	$179,643,670	2,342
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2887%	1,985
Cost of funding earning assets	0.6589%	1,030
Net interest margin	3.6298%	2,781
Noninterest income to average assets	0.5399%	2,709
Noninterest expense to average assets	2.9446%	2,314
Loan and lease loss provision to assets	0.0571%	2,663
Net operating income to assets	0.6422%	3,965
Return on assets (ROA)	0.6422%	4,003
Pretax return on assets	0.8602%	3,896
Return on Equity (ROE)	6.4469%	3,691
Retained earnings to average equity (ytd only)	6.4469%	2,110
Net charge-offs to loans	0.1748%	951
Credit loss provision to net charge-offs	49.3506%	1,992
Earnings coverage of net charge-offs (x)	7.9221%	2,099
Efficiency ratio	76.2461%	1,876
Assets per employee ($millions)	3.5509%	4,719
Cash dividends to net income (ytd only)*	0.0000%	2,824
Condition Ratios (%)
Loss allowance to loans	1.0008%	4,280
Loan loss allowance to noncurrent loans	30.5888%	5,034
Noncurrent assets plus other real estate owned to assets	2.8143%	373
Noncurrent loans to loans	3.2716%	388
Net loans and leases to total assets	65.4123%	3,061
Net loans and leases to deposits	86.3428%	1,997
Net loans and leases to core deposits	99.6585%	1,527
Total domestic deposits to total assets	75.7589%	5,254
Equity capital to assets	10.0845%	3,654
Core capital (leverage) ratio	11.5752%	1,896
Tier 1 risk-based capital ratio	19.1770%	1,568
Total risk-based capital ratio	20.2696%	1,570
Memoranda:
Average total assets	$265,977,500	2,421
Average earning assets	$243,428,500	2,448
Average equity	$26,493,500	2,605
Average total loans	$176,156,500	2,395
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4327%	1,739
Cost of funding earning assets	0.6494%	1,062
Net interest margin	3.7834%	2,378
Noninterest income to average assets	0.5118%	3,161
Noninterest expense to average assets	3.0506%	2,179
Loan and lease loss provision to assets	0.0576%	3,235
Net operating income to assets	0.6367%	4,058
Return on assets (ROA)	0.6621%	4,060
Pretax return on assets	0.9069%	3,830
Return on Equity (ROE)	6.4487%	3,762
Retained earnings to average equity (ytd only)	3.1055%	3,695
Net charge-offs to loans	0.1231%	2,031
Credit loss provision to net charge-offs	71.9048%	3,105
Earnings coverage of net charge-offs (x)	11.6095%	2,523
Efficiency ratio	76.6408%	1,899
Assets per employee ($millions)	3.4056%	4,899
Cash dividends to net income (ytd only)*	51.8433%	2,194
Condition Ratios (%)
Loss allowance to loans	1.0207%	4,187
Loan loss allowance to noncurrent loans	30.3541%	5,075
Noncurrent assets plus other real estate owned to assets	3.0015%	338
Noncurrent loans to loans	3.3627%	369
Net loans and leases to total assets	65.7090%	3,114
Net loans and leases to deposits	87.3263%	2,009
Net loans and leases to core deposits	101.6564%	1,471
Total domestic deposits to total assets	75.2454%	5,324
Equity capital to assets	9.8368%	3,897
Core capital (leverage) ratio	11.4154%	1,999
Tier 1 risk-based capital ratio	18.7201%	1,676
Total risk-based capital ratio	19.8256%	1,676
Memoranda:
Average total assets	$262,212,000	2,418
Average earning assets	$240,392,600	2,428
Average equity	$26,920,000	2,575
Average total loans	$170,607,800	2,408
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4212%	1,789
Cost of funding earning assets	0.6478%	1,071
Net interest margin	3.7734%	2,438
Noninterest income to average assets	0.5351%	3,008
Noninterest expense to average assets	3.0803%	2,079
Loan and lease loss provision to assets	0.0898%	2,431
Net operating income to assets	0.6043%	4,276
Return on assets (ROA)	0.6382%	4,254
Pretax return on assets	0.8734%	4,068
Return on Equity (ROE)	6.1509%	3,996
Retained earnings to average equity (ytd only)	6.1509%	2,091
Net charge-offs to loans	0.1151%	1,794
Credit loss provision to net charge-offs	120.5479%	2,082
Earnings coverage of net charge-offs (x)	12.3083%	2,400
Efficiency ratio	77.0645%	1,825
Assets per employee ($millions)	3.4138%	4,891
Cash dividends to net income (ytd only)*	0.0000%	3,760
Condition Ratios (%)
Loss allowance to loans	1.0859%	3,913
Loan loss allowance to noncurrent loans	30.8408%	5,154
Noncurrent assets plus other real estate owned to assets	3.1009%	361
Noncurrent loans to loans	3.5208%	362
Net loans and leases to total assets	64.6227%	3,323
Net loans and leases to deposits	86.4195%	2,218
Net loans and leases to core deposits	101.1046%	1,545
Total domestic deposits to total assets	74.7779%	5,361
Equity capital to assets	10.4969%	3,569
Core capital (leverage) ratio	11.6691%	1,911
Tier 1 risk-based capital ratio	19.4205%	1,569
Total risk-based capital ratio	20.6078%	1,541
Memoranda:
Average total assets	$261,356,250	2,436
Average earning assets	$239,778,750	2,440
Average equity	$27,117,500	2,579
Average total loans	$169,173,250	2,427
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4431%	1,698
Cost of funding earning assets	0.6450%	1,073
Net interest margin	3.7981%	2,324
Noninterest income to average assets	0.5468%	2,918
Noninterest expense to average assets	3.1049%	2,048
Loan and lease loss provision to assets	0.1155%	1,958
Net operating income to assets	0.5952%	4,295
Return on assets (ROA)	0.6214%	4,311
Pretax return on assets	0.8440%	4,145
Return on Equity (ROE)	6.0135%	4,043
Retained earnings to average equity (ytd only)	6.0135%	2,113
Net charge-offs to loans	0.1766%	1,283
Credit loss provision to net charge-offs	101.3514%	2,069
Earnings coverage of net charge-offs (x)	8.1081%	2,549
Efficiency ratio	77.0642%	1,921
Assets per employee ($millions)	3.4062%	4,912
Cash dividends to net income (ytd only)*	0.0000%	3,619
Condition Ratios (%)
Loss allowance to loans	1.1086%	3,900
Loan loss allowance to noncurrent loans	29.4136%	5,287
Noncurrent assets plus other real estate owned to assets	3.2435%	357
Noncurrent loans to loans	3.7690%	337
Net loans and leases to total assets	63.2948%	3,464
Net loans and leases to deposits	83.4378%	2,537
Net loans and leases to core deposits	98.3157%	1,779
Total domestic deposits to total assets	75.8586%	5,306
Equity capital to assets	10.4821%	3,654
Core capital (leverage) ratio	11.5915%	1,918
Tier 1 risk-based capital ratio	19.2668%	1,637
Total risk-based capital ratio	20.4443%	1,615
Memoranda:
Average total assets	$259,715,670	2,458
Average earning assets	$238,121,670	2,469
Average equity	$26,839,670	2,604
Average total loans	$167,576,000	2,441
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3920%	1,823
Cost of funding earning assets	0.6482%	1,066
Net interest margin	3.7439%	2,505
Noninterest income to average assets	0.5201%	2,988
Noninterest expense to average assets	3.1265%	2,025
Loan and lease loss provision to assets	0.1022%	1,993
Net operating income to assets	0.5394%	4,469
Return on assets (ROA)	0.5835%	4,373
Pretax return on assets	0.7832%	4,261
Return on Equity (ROE)	5.6877%	4,139
Retained earnings to average equity (ytd only)	5.6877%	2,537
Net charge-offs to loans	0.1075%	1,483
Credit loss provision to net charge-offs	146.6667%	1,292
Earnings coverage of net charge-offs (x)	11.8667%	1,835
Efficiency ratio	79.0916%	1,734
Assets per employee ($millions)	3.2968%	5,133
Cash dividends to net income (ytd only)*	0.0000%	2,863
Condition Ratios (%)
Loss allowance to loans	1.1297%	3,886
Loan loss allowance to noncurrent loans	27.8890%	5,328
Noncurrent assets plus other real estate owned to assets	3.3972%	342
Noncurrent loans to loans	4.0506%	299
Net loans and leases to total assets	63.1743%	3,358
Net loans and leases to deposits	83.2539%	2,395
Net loans and leases to core deposits	96.2689%	1,768
Total domestic deposits to total assets	75.8815%	5,418
Equity capital to assets	10.3259%	3,716
Core capital (leverage) ratio	11.6001%	1,906
Tier 1 risk-based capital ratio	19.1049%	1,708
Total risk-based capital ratio	20.3012%	1,684
Memoranda:
Average total assets	$258,435,500	2,475
Average earning assets	$236,975,000	2,492
Average equity	$26,513,500	2,627
Average total loans	$167,430,000	2,434
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5632%	1,429
Cost of funding earning assets	0.7177%	750
Net interest margin	3.8455%	2,216
Noninterest income to average assets	0.5951%	2,737
Noninterest expense to average assets	3.0632%	2,342
Loan and lease loss provision to assets	0.1769%	1,284
Net operating income to assets	0.6469%	4,051
Return on assets (ROA)	0.6645%	4,062
Pretax return on assets	0.8940%	3,858
Return on Equity (ROE)	6.7502%	3,652
Retained earnings to average equity (ytd only)	3.6323%	3,467
Net charge-offs to loans	0.2481%	1,214
Credit loss provision to net charge-offs	111.0843%	2,275
Earnings coverage of net charge-offs (x)	6.5759%	3,203
Efficiency ratio	74.5263%	2,500
Assets per employee ($millions)	3.1657%	5,329
Cash dividends to net income (ytd only)*	46.1894%	2,514
Condition Ratios (%)
Loss allowance to loans	1.1036%	4,034
Loan loss allowance to noncurrent loans	27.8794%	5,370
Noncurrent assets plus other real estate owned to assets	3.3293%	367
Noncurrent loans to loans	3.9586%	310
Net loans and leases to total assets	64.9649%	3,128
Net loans and leases to deposits	84.6338%	2,289
Net loans and leases to core deposits	98.2675%	1,650
Total domestic deposits to total assets	76.7600%	5,355
Equity capital to assets	10.1915%	3,759
Core capital (leverage) ratio	11.4125%	2,032
Tier 1 risk-based capital ratio	18.7697%	1,756
Total risk-based capital ratio	19.9467%	1,732
Memoranda:
Average total assets	$260,640,600	2,418
Average earning assets	$238,254,200	2,441
Average equity	$25,658,400	2,640
Average total loans	$167,304,000	2,379
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5697%	1,412
Cost of funding earning assets	0.7268%	723
Net interest margin	3.8430%	2,222
Noninterest income to average assets	0.5431%	3,088
Noninterest expense to average assets	3.0554%	2,351
Loan and lease loss provision to assets	0.2002%	1,005
Net operating income to assets	0.5854%	4,450
Return on assets (ROA)	0.6048%	4,463
Pretax return on assets	0.8243%	4,257
Return on Equity (ROE)	6.1967%	4,056
Retained earnings to average equity (ytd only)	5.6747%	2,474
Net charge-offs to loans	0.4909%	488
Credit loss provision to net charge-offs	63.9024%	2,859
Earnings coverage of net charge-offs (x)	3.1854%	3,544
Efficiency ratio	75.3771%	2,338
Assets per employee ($millions)	3.2618%	5,190
Cash dividends to net income (ytd only)*	8.4246%	3,626
Condition Ratios (%)
Loss allowance to loans	0.9531%	4,967
Loan loss allowance to noncurrent loans	23.3456%	5,537
Noncurrent assets plus other real estate owned to assets	3.3040%	414
Noncurrent loans to loans	4.0825%	309
Net loans and leases to total assets	64.1650%	3,283
Net loans and leases to deposits	84.1860%	2,387
Net loans and leases to core deposits	97.4871%	1,750
Total domestic deposits to total assets	76.2182%	5,456
Equity capital to assets	10.1617%	3,984
Core capital (leverage) ratio	11.2604%	2,233
Tier 1 risk-based capital ratio	19.1933%	1,726
Total risk-based capital ratio	20.2179%	1,749
Memoranda:
Average total assets	$261,695,750	2,426
Average earning assets	$239,045,250	2,446
Average equity	$25,539,750	2,670
Average total loans	$167,019,500	2,399
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4868%	1,581
Cost of funding earning assets	0.7336%	702
Net interest margin	3.7531%	2,506
Noninterest income to average assets	0.5399%	3,110
Noninterest expense to average assets	3.0179%	2,497
Loan and lease loss provision to assets	0.1521%	1,401
Net operating income to assets	0.5868%	4,409
Return on assets (ROA)	0.6144%	4,394
Pretax return on assets	0.8341%	4,191
Return on Equity (ROE)	6.3811%	3,944
Retained earnings to average equity (ytd only)	5.5914%	2,475
Net charge-offs to loans	0.2323%	1,115
Credit loss provision to net charge-offs	103.0928%	2,011
Earnings coverage of net charge-offs (x)	6.4330%	2,783
Efficiency ratio	76.0782%	2,342
Assets per employee ($millions)	3.2708%	5,208
Cash dividends to net income (ytd only)*	12.3762%	3,408
Condition Ratios (%)
Loss allowance to loans	1.0843%	4,412
Loan loss allowance to noncurrent loans	24.3801%	5,612
Noncurrent assets plus other real estate owned to assets	3.4858%	417
Noncurrent loans to loans	4.4474%	309
Net loans and leases to total assets	62.6356%	3,461
Net loans and leases to deposits	83.0881%	2,428
Net loans and leases to core deposits	97.6646%	1,676
Total domestic deposits to total assets	75.3845%	5,664
Equity capital to assets	9.6108%	4,517
Core capital (leverage) ratio	11.1241%	2,309
Tier 1 risk-based capital ratio	17.8032%	2,129
Total risk-based capital ratio	18.9038%	2,120
Memoranda:
Average total assets	$263,033,000	2,432
Average earning assets	$240,172,670	2,457
Average equity	$25,324,670	2,698
Average total loans	$167,048,000	2,401
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5198%	1,405
Cost of funding earning assets	0.7647%	605
Net interest margin	3.7551%	2,411
Noninterest income to average assets	0.5372%	3,040
Noninterest expense to average assets	3.0311%	2,482
Loan and lease loss provision to assets	0.1526%	1,337
Net operating income to assets	0.5752%	4,387
Return on assets (ROA)	0.5876%	4,433
Pretax return on assets	0.7952%	4,260
Return on Equity (ROE)	6.0976%	3,980
Retained earnings to average equity (ytd only)	6.0976%	2,435
Net charge-offs to loans	0.2328%	1,021
Credit loss provision to net charge-offs	103.0928%	1,577
Earnings coverage of net charge-offs (x)	6.2887%	2,310
Efficiency ratio	76.5023%	2,425
Assets per employee ($millions)	3.2250%	5,371
Cash dividends to net income (ytd only)*	0.0000%	2,870
Condition Ratios (%)
Loss allowance to loans	1.0926%	4,554
Loan loss allowance to noncurrent loans	23.0398%	5,678
Noncurrent assets plus other real estate owned to assets	3.9588%	380
Noncurrent loans to loans	4.7421%	302
Net loans and leases to total assets	62.1656%	3,341
Net loans and leases to deposits	81.7867%	2,362
Net loans and leases to core deposits	95.9349%	1,617
Total domestic deposits to total assets	76.0095%	5,736
Equity capital to assets	9.7209%	4,478
Core capital (leverage) ratio	11.1527%	2,264
Tier 1 risk-based capital ratio	17.0677%	2,455
Total risk-based capital ratio	18.1329%	2,478
Memoranda:
Average total assets	$262,084,000	2,454
Average earning assets	$239,036,500	2,478
Average equity	$25,256,000	2,722
Average total loans	$166,692,000	2,412
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8231%	1,065
Cost of funding earning assets	0.8435%	532
Net interest margin	3.9796%	1,954
Noninterest income to average assets	0.5627%	3,105
Noninterest expense to average assets	3.0212%	2,784
Loan and lease loss provision to assets	0.2228%	1,103
Net operating income to assets	0.6646%	4,066
Return on assets (ROA)	0.6680%	4,149
Pretax return on assets	0.9326%	3,770
Return on Equity (ROE)	6.5404%	3,876
Retained earnings to average equity (ytd only)	1.1351%	5,265
Net charge-offs to loans	0.3712%	1,169
Credit loss provision to net charge-offs	90.6902%	2,637
Earnings coverage of net charge-offs (x)	4.6838%	3,588
Efficiency ratio	72.4197%	3,128
Assets per employee ($millions)	3.1291%	5,522
Cash dividends to net income (ytd only)*	82.6446%	811
Condition Ratios (%)
Loss allowance to loans	1.0845%	4,617
Loan loss allowance to noncurrent loans	27.2059%	5,718
Noncurrent assets plus other real estate owned to assets	3.7098%	483
Noncurrent loans to loans	3.9863%	468
Net loans and leases to total assets	63.6683%	3,266
Net loans and leases to deposits	82.2178%	2,445
Net loans and leases to core deposits	96.6243%	1,668
Total domestic deposits to total assets	77.4386%	5,531
Equity capital to assets	9.5507%	4,658
Core capital (leverage) ratio	10.9826%	2,426
Tier 1 risk-based capital ratio	18.2154%	2,074
Total risk-based capital ratio	19.3655%	2,064
Memoranda:
Average total assets	$253,604,400	2,491
Average earning assets	$229,998,600	2,520
Average equity	$25,900,600	2,581
Average total loans	$167,828,400	2,340
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8358%	1,046
Cost of funding earning assets	0.8608%	513
Net interest margin	3.9749%	1,951
Noninterest income to average assets	0.5675%	3,079
Noninterest expense to average assets	3.0651%	2,580
Loan and lease loss provision to assets	0.2486%	874
Net operating income to assets	0.6258%	4,326
Return on assets (ROA)	0.6305%	4,406
Pretax return on assets	0.8627%	4,136
Return on Equity (ROE)	6.0719%	4,197
Retained earnings to average equity (ytd only)	5.5625%	2,696
Net charge-offs to loans	0.3905%	1,020
Credit loss provision to net charge-offs	95.5285%	2,333
Earnings coverage of net charge-offs (x)	4.2460%	3,502
Efficiency ratio	73.5033%	2,902
Assets per employee ($millions)	3.1866%	5,455
Cash dividends to net income (ytd only)*	8.3893%	3,616
Condition Ratios (%)
Loss allowance to loans	1.1048%	4,722
Loan loss allowance to noncurrent loans	24.7226%	5,853
Noncurrent assets plus other real estate owned to assets	4.1517%	454
Noncurrent loans to loans	4.4690%	445
Net loans and leases to total assets	64.1209%	3,160
Net loans and leases to deposits	84.2719%	2,112
Net loans and leases to core deposits	96.3331%	1,649
Total domestic deposits to total assets	76.0881%	5,803
Equity capital to assets	10.4795%	3,591
Core capital (leverage) ratio	11.5159%	2,050
Tier 1 risk-based capital ratio	18.5394%	2,038
Total risk-based capital ratio	19.7010%	2,030
Memoranda:
Average total assets	$252,076,000	2,522
Average earning assets	$228,459,000	2,554
Average equity	$26,174,500	2,560
Average total loans	$167,992,750	2,358
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8443%	1,000
Cost of funding earning assets	0.8801%	477
Net interest margin	3.9641%	1,919
Noninterest income to average assets	0.5863%	2,887
Noninterest expense to average assets	3.0888%	2,542
Loan and lease loss provision to assets	0.2639%	791
Net operating income to assets	0.6047%	4,335
Return on assets (ROA)	0.6118%	4,392
Pretax return on assets	0.8310%	4,153
Return on Equity (ROE)	5.9112%	4,202
Retained earnings to average equity (ytd only)	5.1385%	2,872
Net charge-offs to loans	0.6219%	633
Credit loss provision to net charge-offs	63.0975%	2,593
Earnings coverage of net charge-offs (x)	2.5946%	3,516
Efficiency ratio	73.9989%	2,977
Assets per employee ($millions)	3.0915%	5,610
Cash dividends to net income (ytd only)*	13.0719%	3,379
Condition Ratios (%)
Loss allowance to loans	0.9996%	5,352
Loan loss allowance to noncurrent loans	26.6518%	5,860
Noncurrent assets plus other real estate owned to assets	3.7696%	596
Noncurrent loans to loans	3.7507%	664
Net loans and leases to total assets	65.5550%	2,825
Net loans and leases to deposits	88.1187%	1,580
Net loans and leases to core deposits	96.0790%	1,593
Total domestic deposits to total assets	74.3940%	6,074
Equity capital to assets	10.4760%	3,470
Core capital (leverage) ratio	11.5993%	1,919
Tier 1 risk-based capital ratio	18.2979%	2,133
Total risk-based capital ratio	19.3535%	2,171
Memoranda:
Average total assets	$250,063,330	2,541
Average earning assets	$226,329,000	2,578
Average equity	$25,883,000	2,577
Average total loans	$168,205,670	2,354
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8510%	945
Cost of funding earning assets	0.9403%	359
Net interest margin	3.9107%	2,055
Noninterest income to average assets	0.5653%	2,949
Noninterest expense to average assets	3.0957%	2,547
Loan and lease loss provision to assets	0.1611%	1,509
Net operating income to assets	0.6219%	4,090
Return on assets (ROA)	0.6362%	4,107
Pretax return on assets	0.8649%	3,844
Return on Equity (ROE)	6.1849%	3,919
Retained earnings to average equity (ytd only)	4.6191%	3,347
Net charge-offs to loans	0.6224%	594
Credit loss provision to net charge-offs	38.1679%	2,312
Earnings coverage of net charge-offs (x)	2.3855%	2,887
Efficiency ratio	75.4613%	2,877
Assets per employee ($millions)	2.9752%	5,887
Cash dividends to net income (ytd only)*	25.3165%	2,410
Condition Ratios (%)
Loss allowance to loans	1.0217%	5,438
Loan loss allowance to noncurrent loans	28.1874%	5,909
Noncurrent assets plus other real estate owned to assets	3.8264%	646
Noncurrent loans to loans	3.6245%	785
Net loans and leases to total assets	67.0479%	2,386
Net loans and leases to deposits	87.3687%	1,431
Net loans and leases to core deposits	94.6471%	1,497
Total domestic deposits to total assets	76.7413%	5,995
Equity capital to assets	10.4738%	3,266
Core capital (leverage) ratio	11.4485%	2,008
Tier 1 risk-based capital ratio	18.3628%	2,160
Total risk-based capital ratio	19.4557%	2,175
Memoranda:
Average total assets	$248,343,500	2,573
Average earning assets	$224,613,000	2,610
Average equity	$25,546,000	2,592
Average total loans	$168,377,500	2,359
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1403%	724
Cost of funding earning assets	1.0307%	389
Net interest margin	4.1097%	1,613
Noninterest income to average assets	0.5713%	3,266
Noninterest expense to average assets	3.2023%	2,411
Loan and lease loss provision to assets	0.2239%	1,626
Net operating income to assets	0.6199%	4,166
Return on assets (ROA)	0.6689%	4,037
Pretax return on assets	0.9312%	3,636
Return on Equity (ROE)	6.6480%	3,746
Retained earnings to average equity (ytd only)	2.6383%	4,370
Net charge-offs to loans	0.5141%	1,283
Credit loss provision to net charge-offs	62.8539%	3,479
Earnings coverage of net charge-offs (x)	3.0510%	3,974
Efficiency ratio	74.6590%	3,020
Assets per employee ($millions)	3.0457%	5,765
Cash dividends to net income (ytd only)*	60.3136%	1,748
Condition Ratios (%)
Loss allowance to loans	1.1040%	5,125
Loan loss allowance to noncurrent loans	35.2089%	5,780
Noncurrent assets plus other real estate owned to assets	3.5063%	833
Noncurrent loans to loans	3.1355%	1,095
Net loans and leases to total assets	67.1107%	2,502
Net loans and leases to deposits	89.7124%	1,259
Net loans and leases to core deposits	98.6382%	1,265
Total domestic deposits to total assets	74.8065%	6,216
Equity capital to assets	10.1014%	3,636
Core capital (leverage) ratio	11.3348%	2,082
Tier 1 risk-based capital ratio	17.8637%	2,285
Total risk-based capital ratio	19.0397%	2,282
Memoranda:
Average total assets	$247,853,000	2,550
Average earning assets	$224,226,200	2,575
Average equity	$24,940,000	2,634
Average total loans	$171,747,600	2,283
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1755%	684
Cost of funding earning assets	1.0455%	396
Net interest margin	4.1301%	1,539
Noninterest income to average assets	0.6010%	3,141
Noninterest expense to average assets	3.2020%	2,360
Loan and lease loss provision to assets	0.1967%	1,854
Net operating income to assets	0.6628%	4,051
Return on assets (ROA)	0.7217%	3,877
Pretax return on assets	1.0219%	3,411
Return on Equity (ROE)	7.1791%	3,549
Retained earnings to average equity (ytd only)	5.5706%	2,680
Net charge-offs to loans	0.5385%	1,183
Credit loss provision to net charge-offs	52.4425%	3,449
Earnings coverage of net charge-offs (x)	3.0273%	3,830
Efficiency ratio	73.8196%	3,100
Assets per employee ($millions)	2.9619%	5,908
Cash dividends to net income (ytd only)*	22.4048%	2,993
Condition Ratios (%)
Loss allowance to loans	1.0869%	5,380
Loan loss allowance to noncurrent loans	36.8369%	5,747
Noncurrent assets plus other real estate owned to assets	3.5991%	923
Noncurrent loans to loans	2.9507%	1,377
Net loans and leases to total assets	69.1485%	2,109
Net loans and leases to deposits	89.9176%	1,177
Net loans and leases to core deposits	98.8176%	1,185
Total domestic deposits to total assets	76.9021%	6,060
Equity capital to assets	10.0368%	3,854
Core capital (leverage) ratio	11.6090%	1,941
Tier 1 risk-based capital ratio	18.0496%	2,305
Total risk-based capital ratio	19.2203%	2,300
Memoranda:
Average total assets	$247,379,500	2,569
Average earning assets	$223,817,250	2,591
Average equity	$24,868,000	2,661
Average total loans	$172,315,000	2,285
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1661%	676
Cost of funding earning assets	1.0573%	414
Net interest margin	4.1089%	1,514
Noninterest income to average assets	0.5720%	3,371
Noninterest expense to average assets	3.1643%	2,463
Loan and lease loss provision to assets	0.2219%	1,711
Net operating income to assets	0.6425%	4,098
Return on assets (ROA)	0.7302%	3,835
Pretax return on assets	1.0311%	3,372
Return on Equity (ROE)	7.2596%	3,464
Retained earnings to average equity (ytd only)	5.6552%	2,640
Net charge-offs to loans	0.7120%	919
Credit loss provision to net charge-offs	44.7883%	3,330
Earnings coverage of net charge-offs (x)	2.2801%	3,766
Efficiency ratio	73.6941%	3,184
Assets per employee ($millions)	2.9091%	6,007
Cash dividends to net income (ytd only)*	22.0994%	2,917
Condition Ratios (%)
Loss allowance to loans	1.0874%	5,494
Loan loss allowance to noncurrent loans	46.3494%	5,361
Noncurrent assets plus other real estate owned to assets	3.1807%	1,250
Noncurrent loans to loans	2.3460%	2,007
Net loans and leases to total assets	68.4257%	2,164
Net loans and leases to deposits	88.7819%	1,255
Net loans and leases to core deposits	97.6730%	1,238
Total domestic deposits to total assets	77.0717%	6,118
Equity capital to assets	9.9255%	4,009
Core capital (leverage) ratio	11.5058%	1,932
Tier 1 risk-based capital ratio	17.8078%	2,392
Total risk-based capital ratio	18.9713%	2,393
Memoranda:
Average total assets	$247,894,000	2,572
Average earning assets	$224,539,330	2,592
Average equity	$24,932,670	2,668
Average total loans	$172,466,670	2,284
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1386%	692
Cost of funding earning assets	1.0671%	437
Net interest margin	4.0715%	1,558
Noninterest income to average assets	0.6027%	3,123
Noninterest expense to average assets	3.1039%	2,660
Loan and lease loss provision to assets	0.2417%	1,494
Net operating income to assets	0.6849%	3,761
Return on assets (ROA)	0.6849%	3,912
Pretax return on assets	0.9589%	3,531
Return on Equity (ROE)	6.7655%	3,613
Retained earnings to average equity (ytd only)	5.1736%	3,127
Net charge-offs to loans	-0.0254%	5,829
Credit loss provision to net charge-offs	-1,363.6364%	5,678
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.1078%	3,594
Assets per employee ($millions)	2.9212%	6,120
Cash dividends to net income (ytd only)*	23.5294%	2,239
Condition Ratios (%)
Loss allowance to loans	1.3671%	4,390
Loan loss allowance to noncurrent loans	34.2079%	5,863
Noncurrent assets plus other real estate owned to assets	3.8401%	1,069
Noncurrent loans to loans	3.9965%	1,131
Net loans and leases to total assets	68.5717%	1,912
Net loans and leases to deposits	87.7293%	1,175
Net loans and leases to core deposits	97.6906%	1,100
Total domestic deposits to total assets	78.1629%	6,095
Equity capital to assets	10.1795%	3,923
Core capital (leverage) ratio	11.4347%	1,917
Tier 1 risk-based capital ratio	18.1080%	2,315
Total risk-based capital ratio	19.3613%	2,280
Memoranda:
Average total assets	$248,205,500	2,602
Average earning assets	$225,664,000	2,606
Average equity	$25,127,500	2,691
Average total loans	$173,171,500	2,292
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4242%	728
Cost of funding earning assets	1.2191%	528
Net interest margin	4.2051%	1,645
Noninterest income to average assets	0.5704%	3,445
Noninterest expense to average assets	3.0722%	3,006
Loan and lease loss provision to assets	0.3044%	2,243
Net operating income to assets	0.7214%	3,635
Return on assets (ROA)	0.7654%	3,687
Pretax return on assets	1.0815%	3,224
Return on Equity (ROE)	7.6030%	3,287
Retained earnings to average equity (ytd only)	3.6245%	3,657
Net charge-offs to loans	0.6012%	1,931
Credit loss provision to net charge-offs	72.3121%	4,093
Earnings coverage of net charge-offs (x)	3.1446%	3,863
Efficiency ratio	69.8861%	3,842
Assets per employee ($millions)	2.8518%	6,240
Cash dividends to net income (ytd only)*	52.3286%	2,208
Condition Ratios (%)
Loss allowance to loans	1.2658%	4,802
Loan loss allowance to noncurrent loans	41.4906%	5,555
Noncurrent assets plus other real estate owned to assets	3.2369%	1,430
Noncurrent loans to loans	3.0509%	1,704
Net loans and leases to total assets	69.1305%	2,009
Net loans and leases to deposits	88.0537%	1,266
Net loans and leases to core deposits	99.1285%	1,075
Total domestic deposits to total assets	78.5094%	5,988
Equity capital to assets	10.0678%	4,078
Core capital (leverage) ratio	11.1851%	2,097
Tier 1 risk-based capital ratio	17.8858%	2,296
Total risk-based capital ratio	19.1376%	2,266
Memoranda:
Average total assets	$249,657,600	2,537
Average earning assets	$227,128,600	2,537
Average equity	$25,134,800	2,644
Average total loans	$174,828,200	2,261
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4325%	779
Cost of funding earning assets	1.2480%	556
Net interest margin	4.1846%	1,777
Noninterest income to average assets	0.5945%	3,315
Noninterest expense to average assets	3.0762%	2,958
Loan and lease loss provision to assets	0.3199%	2,065
Net operating income to assets	0.7139%	3,857
Return on assets (ROA)	0.7449%	3,964
Pretax return on assets	1.0505%	3,532
Return on Equity (ROE)	7.3991%	3,583
Retained earnings to average equity (ytd only)	6.8694%	2,198
Net charge-offs to loans	0.3670%	2,638
Credit loss provision to net charge-offs	124.4813%	2,323
Earnings coverage of net charge-offs (x)	5.1618%	3,093
Efficiency ratio	69.8680%	3,712
Assets per employee ($millions)	2.9582%	6,117
Cash dividends to net income (ytd only)*	7.1582%	3,530
Condition Ratios (%)
Loss allowance to loans	1.4900%	3,993
Loan loss allowance to noncurrent loans	49.3285%	5,163
Noncurrent assets plus other real estate owned to assets	3.3399%	1,519
Noncurrent loans to loans	3.0206%	1,845
Net loans and leases to total assets	68.5731%	2,197
Net loans and leases to deposits	87.9498%	1,359
Net loans and leases to core deposits	99.3386%	1,170
Total domestic deposits to total assets	77.9685%	6,086
Equity capital to assets	10.3001%	4,077
Core capital (leverage) ratio	11.2191%	2,200
Tier 1 risk-based capital ratio	18.0624%	2,311
Total risk-based capital ratio	19.3176%	2,286
Memoranda:
Average total assets	$250,044,750	2,556
Average earning assets	$227,561,250	2,557
Average equity	$25,173,750	2,666
Average total loans	$175,105,750	2,287
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4704%	765
Cost of funding earning assets	1.2732%	586
Net interest margin	4.1972%	1,760
Noninterest income to average assets	0.5986%	3,265
Noninterest expense to average assets	3.0572%	3,057
Loan and lease loss provision to assets	0.3406%	1,936
Net operating income to assets	0.7251%	3,727
Return on assets (ROA)	0.7581%	3,836
Pretax return on assets	1.0674%	3,433
Return on Equity (ROE)	7.5886%	3,455
Retained earnings to average equity (ytd only)	6.7865%	2,225
Net charge-offs to loans	0.4191%	2,356
Credit loss provision to net charge-offs	115.8038%	2,370
Earnings coverage of net charge-offs (x)	4.6294%	3,033
Efficiency ratio	69.1875%	3,897
Assets per employee ($millions)	2.9269%	6,187
Cash dividends to net income (ytd only)*	10.5708%	3,278
Condition Ratios (%)
Loss allowance to loans	1.4538%	4,235
Loan loss allowance to noncurrent loans	54.0403%	4,910
Noncurrent assets plus other real estate owned to assets	3.0114%	1,830
Noncurrent loans to loans	2.6903%	2,235
Net loans and leases to total assets	68.6149%	2,187
Net loans and leases to deposits	87.6164%	1,403
Net loans and leases to core deposits	100.2845%	1,081
Total domestic deposits to total assets	78.3129%	6,099
Equity capital to assets	10.0806%	4,219
Core capital (leverage) ratio	11.0706%	2,233
Tier 1 risk-based capital ratio	17.8323%	2,349
Total risk-based capital ratio	19.0872%	2,314
Memoranda:
Average total assets	$249,578,330	2,552
Average earning assets	$227,149,000	2,559
Average equity	$24,932,000	2,679
Average total loans	$175,130,670	2,294
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4506%	833
Cost of funding earning assets	1.2936%	648
Net interest margin	4.1570%	1,910
Noninterest income to average assets	0.6342%	3,031
Noninterest expense to average assets	3.0888%	2,954
Loan and lease loss provision to assets	0.3219%	1,951
Net operating income to assets	0.7130%	3,818
Return on assets (ROA)	0.7130%	4,035
Pretax return on assets	1.0044%	3,660
Return on Equity (ROE)	7.1709%	3,676
Retained earnings to average equity (ytd only)	5.5522%	3,230
Net charge-offs to loans	0.1165%	3,419
Credit loss provision to net charge-offs	392.1569%	800
Earnings coverage of net charge-offs (x)	16.1569%	1,382
Efficiency ratio	69.9599%	3,815
Assets per employee ($millions)	2.8861%	6,372
Cash dividends to net income (ytd only)*	22.5734%	2,271
Condition Ratios (%)
Loss allowance to loans	1.5173%	4,077
Loan loss allowance to noncurrent loans	49.7268%	5,093
Noncurrent assets plus other real estate owned to assets	3.2335%	1,786
Noncurrent loans to loans	3.0513%	2,110
Net loans and leases to total assets	68.2179%	2,068
Net loans and leases to deposits	85.2439%	1,506
Net loans and leases to core deposits	97.3017%	1,180
Total domestic deposits to total assets	80.0268%	5,848
Equity capital to assets	9.8948%	4,261
Core capital (leverage) ratio	10.9994%	2,258
Tier 1 risk-based capital ratio	17.7875%	2,367
Total risk-based capital ratio	19.0433%	2,344
Memoranda:
Average total assets	$248,511,500	2,574
Average earning assets	$226,031,000	2,584
Average equity	$24,711,000	2,693
Average total loans	$175,066,000	2,312
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7764%	672
Cost of funding earning assets	1.5564%	567
Net interest margin	4.2200%	1,996
Noninterest income to average assets	0.6884%	2,671
Noninterest expense to average assets	3.1379%	3,070
Loan and lease loss provision to assets	0.4932%	2,139
Net operating income to assets	0.6287%	3,836
Return on assets (ROA)	0.6572%	3,895
Pretax return on assets	0.9449%	3,446
Return on Equity (ROE)	6.3869%	3,699
Retained earnings to average equity (ytd only)	1.9932%	4,793
Net charge-offs to loans	0.7491%	2,280
Credit loss provision to net charge-offs	89.7532%	4,008
Earnings coverage of net charge-offs (x)	2.5430%	3,944
Efficiency ratio	69.1889%	4,114
Assets per employee ($millions)	2.8268%	6,417
Cash dividends to net income (ytd only)*	68.7930%	1,190
Condition Ratios (%)
Loss allowance to loans	1.4131%	4,398
Loan loss allowance to noncurrent loans	49.4636%	5,057
Noncurrent assets plus other real estate owned to assets	3.1440%	1,900
Noncurrent loans to loans	2.8569%	2,286
Net loans and leases to total assets	70.6350%	1,894
Net loans and leases to deposits	90.1581%	1,139
Net loans and leases to core deposits	103.6492%	920
Total domestic deposits to total assets	78.3456%	6,129
Equity capital to assets	9.9934%	4,178
Core capital (leverage) ratio	10.8822%	2,365
Tier 1 risk-based capital ratio	17.3515%	2,438
Total risk-based capital ratio	18.6059%	2,405
Memoranda:
Average total assets	$243,318,400	2,597
Average earning assets	$221,799,800	2,591
Average equity	$25,035,600	2,578
Average total loans	$178,482,600	2,270
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.8086%	689
Cost of funding earning assets	1.6032%	572
Net interest margin	4.2055%	2,076
Noninterest income to average assets	0.6626%	2,810
Noninterest expense to average assets	3.1571%	2,969
Loan and lease loss provision to assets	0.4945%	2,012
Net operating income to assets	0.6108%	4,036
Return on assets (ROA)	0.6500%	4,043
Pretax return on assets	0.9022%	3,756
Return on Equity (ROE)	6.2715%	3,892
Retained earnings to average equity (ytd only)	5.2112%	3,051
Net charge-offs to loans	0.6836%	2,204
Credit loss provision to net charge-offs	98.0392%	3,485
Earnings coverage of net charge-offs (x)	2.6612%	3,791
Efficiency ratio	70.1673%	3,932
Assets per employee ($millions)	2.7321%	6,606
Cash dividends to net income (ytd only)*	16.9062%	3,051
Condition Ratios (%)
Loss allowance to loans	1.4722%	4,240
Loan loss allowance to noncurrent loans	45.0293%	5,326
Noncurrent assets plus other real estate owned to assets	3.3597%	1,893
Noncurrent loans to loans	3.2693%	2,116
Net loans and leases to total assets	71.0135%	1,902
Net loans and leases to deposits	90.4942%	1,154
Net loans and leases to core deposits	104.0205%	983
Total domestic deposits to total assets	78.4730%	6,099
Equity capital to assets	10.4849%	3,726
Core capital (leverage) ratio	11.0343%	2,360
Tier 1 risk-based capital ratio	17.8235%	2,322
Total risk-based capital ratio	19.0793%	2,287
Memoranda:
Average total assets	$242,665,000	2,613
Average earning assets	$221,389,000	2,613
Average equity	$25,150,250	2,559
Average total loans	$179,052,250	2,279
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7772%	746
Cost of funding earning assets	1.6397%	592
Net interest margin	4.1374%	2,274
Noninterest income to average assets	0.6101%	3,071
Noninterest expense to average assets	3.1119%	3,208
Loan and lease loss provision to assets	0.5008%	1,960
Net operating income to assets	0.5627%	4,253
Return on assets (ROA)	0.6225%	4,078
Pretax return on assets	0.8560%	3,811
Return on Equity (ROE)	6.0305%	3,954
Retained earnings to average equity (ytd only)	4.4266%	3,375
Net charge-offs to loans	0.7737%	1,954
Credit loss provision to net charge-offs	87.0504%	3,553
Earnings coverage of net charge-offs (x)	2.2158%	3,726
Efficiency ratio	70.9379%	3,942
Assets per employee ($millions)	2.7483%	6,573
Cash dividends to net income (ytd only)*	26.5957%	2,601
Condition Ratios (%)
Loss allowance to loans	1.4178%	4,487
Loan loss allowance to noncurrent loans	39.4802%	5,693
Noncurrent assets plus other real estate owned to assets	3.2282%	2,077
Noncurrent loans to loans	3.5912%	1,966
Net loans and leases to total assets	71.3166%	1,933
Net loans and leases to deposits	91.9129%	1,073
Net loans and leases to core deposits	106.1716%	927
Total domestic deposits to total assets	77.5916%	6,360
Equity capital to assets	10.2681%	3,793
Core capital (leverage) ratio	10.8263%	2,393
Tier 1 risk-based capital ratio	17.4810%	2,347
Total risk-based capital ratio	18.7357%	2,314
Memoranda:
Average total assets	$241,591,000	2,638
Average earning assets	$220,523,670	2,641
Average equity	$24,940,000	2,565
Average total loans	$179,662,330	2,289
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7915%	750
Cost of funding earning assets	1.6702%	631
Net interest margin	4.1213%	2,182
Noninterest income to average assets	0.6870%	2,641
Noninterest expense to average assets	3.1184%	3,182
Loan and lease loss provision to assets	0.5027%	1,731
Net operating income to assets	0.5977%	4,039
Return on assets (ROA)	0.6418%	3,870
Pretax return on assets	0.8847%	3,561
Return on Equity (ROE)	6.1997%	3,785
Retained earnings to average equity (ytd only)	2.9622%	4,389
Net charge-offs to loans	0.7066%	1,803
Credit loss provision to net charge-offs	94.3396%	2,856
Earnings coverage of net charge-offs (x)	2.4906%	3,089
Efficiency ratio	70.1470%	4,229
Assets per employee ($millions)	2.7110%	6,679
Cash dividends to net income (ytd only)*	52.2193%	1,426
Condition Ratios (%)
Loss allowance to loans	1.4573%	4,410
Loan loss allowance to noncurrent loans	37.3675%	5,804
Noncurrent assets plus other real estate owned to assets	3.3762%	2,021
Noncurrent loans to loans	3.8999%	1,883
Net loans and leases to total assets	71.5113%	1,811
Net loans and leases to deposits	92.2824%	993
Net loans and leases to core deposits	105.1446%	988
Total domestic deposits to total assets	77.4918%	6,454
Equity capital to assets	10.0445%	3,720
Core capital (leverage) ratio	10.1054%	3,025
Tier 1 risk-based capital ratio	16.0032%	2,900
Total risk-based capital ratio	17.2586%	2,873
Memoranda:
Average total assets	$238,712,000	2,683
Average earning assets	$217,700,000	2,693
Average equity	$24,711,000	2,574
Average total loans	$180,024,500	2,310
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1629%	616
Cost of funding earning assets	1.8980%	849
Net interest margin	4.2648%	1,939
Noninterest income to average assets	0.7046%	2,818
Noninterest expense to average assets	3.1627%	3,223
Loan and lease loss provision to assets	0.4464%	3,453
Net operating income to assets	0.6779%	3,310
Return on assets (ROA)	0.6926%	3,387
Pretax return on assets	0.9872%	2,971
Return on Equity (ROE)	6.4536%	3,373
Retained earnings to average equity (ytd only)	0.1399%	5,513
Net charge-offs to loans	0.1322%	5,585
Credit loss provision to net charge-offs	442.9787%	521
Earnings coverage of net charge-offs (x)	14.0170%	1,374
Efficiency ratio	69.1255%	4,350
Assets per employee ($millions)	2.5354%	6,955
Cash dividends to net income (ytd only)*	97.8328%	425
Condition Ratios (%)
Loss allowance to loans	1.4512%	4,277
Loan loss allowance to noncurrent loans	37.1833%	5,828
Noncurrent assets plus other real estate owned to assets	3.6126%	1,905
Noncurrent loans to loans	3.9029%	1,876
Net loans and leases to total assets	77.3196%	1,046
Net loans and leases to deposits	104.2429%	389
Net loans and leases to core deposits	108.1674%	1,035
Total domestic deposits to total assets	74.1725%	6,869
Equity capital to assets	10.6803%	2,980
Core capital (leverage) ratio	10.4236%	2,640
Tier 1 risk-based capital ratio	15.5266%	2,987
Total risk-based capital ratio	16.7817%	2,948
Memoranda:
Average total assets	$233,185,000	2,706
Average earning assets	$211,638,600	2,733
Average equity	$25,024,800	2,553
Average total loans	$177,706,800	2,381
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1770%	642
Cost of funding earning assets	1.9381%	907
Net interest margin	4.2389%	2,069
Noninterest income to average assets	0.6701%	3,014
Noninterest expense to average assets	3.1587%	3,072
Loan and lease loss provision to assets	0.4169%	3,403
Net operating income to assets	0.6756%	3,524
Return on assets (ROA)	0.6957%	3,592
Pretax return on assets	0.9678%	3,301
Return on Equity (ROE)	6.4753%	3,587
Retained earnings to average equity (ytd only)	1.9638%	4,974
Net charge-offs to loans	0.1402%	5,179
Credit loss provision to net charge-offs	393.0108%	777
Earnings coverage of net charge-offs (x)	12.7905%	1,648
Efficiency ratio	69.9545%	4,077
Assets per employee ($millions)	2.5569%	7,003
Cash dividends to net income (ytd only)*	69.6723%	914
Condition Ratios (%)
Loss allowance to loans	1.3077%	4,919
Loan loss allowance to noncurrent loans	71.2007%	3,755
Noncurrent assets plus other real estate owned to assets	1.9529%	3,533
Noncurrent loans to loans	1.8366%	3,883
Net loans and leases to total assets	75.9109%	1,421
Net loans and leases to deposits	102.8250%	495
Net loans and leases to core deposits	108.1018%	1,158
Total domestic deposits to total assets	73.8253%	6,938
Equity capital to assets	10.8071%	3,160
Core capital (leverage) ratio	10.6148%	2,588
Tier 1 risk-based capital ratio	15.7347%	2,889
Total risk-based capital ratio	16.9880%	2,846
Memoranda:
Average total assets	$233,800,500	2,731
Average earning assets	$212,091,750	2,767
Average equity	$25,120,500	2,575
Average total loans	$176,878,250	2,424
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1411%	695
Cost of funding earning assets	1.9749%	969
Net interest margin	4.1662%	2,271
Noninterest income to average assets	0.6583%	2,964
Noninterest expense to average assets	3.1364%	3,164
Loan and lease loss provision to assets	0.3429%	3,672
Net operating income to assets	0.6854%	3,464
Return on assets (ROA)	0.6977%	3,569
Pretax return on assets	0.9738%	3,224
Return on Equity (ROE)	6.5068%	3,545
Retained earnings to average equity (ytd only)	1.7106%	5,018
Net charge-offs to loans	0.1983%	4,419
Credit loss provision to net charge-offs	229.8851%	1,686
Earnings coverage of net charge-offs (x)	8.7126%	2,107
Efficiency ratio	70.7053%	4,033
Assets per employee ($millions)	2.5239%	7,072
Cash dividends to net income (ytd only)*	73.7101%	926
Condition Ratios (%)
Loss allowance to loans	1.1566%	5,660
Loan loss allowance to noncurrent loans	89.7413%	3,027
Noncurrent assets plus other real estate owned to assets	1.6875%	3,911
Noncurrent loans to loans	1.2888%	4,807
Net loans and leases to total assets	74.5290%	1,805
Net loans and leases to deposits	101.5069%	621
Net loans and leases to core deposits	106.9950%	1,370
Total domestic deposits to total assets	73.4226%	7,049
Equity capital to assets	10.7385%	3,140
Core capital (leverage) ratio	10.5779%	2,559
Tier 1 risk-based capital ratio	15.8799%	2,725
Total risk-based capital ratio	17.1309%	2,691
Memoranda:
Average total assets	$233,322,330	2,765
Average earning assets	$211,559,000	2,796
Average equity	$25,020,000	2,586
Average total loans	$175,526,000	2,477
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.0938%	786
Cost of funding earning assets	2.0047%	1,069
Net interest margin	4.0891%	2,485
Noninterest income to average assets	0.6001%	3,276
Noninterest expense to average assets	3.1003%	3,265
Loan and lease loss provision to assets	0.2579%	3,975
Net operating income to assets	0.6871%	3,495
Return on assets (ROA)	0.7119%	3,494
Pretax return on assets	0.9836%	3,149
Return on Equity (ROE)	6.6434%	3,543
Retained earnings to average equity (ytd only)	1.8293%	5,019
Net charge-offs to loans	0.2586%	3,383
Credit loss provision to net charge-offs	132.7434%	2,664
Earnings coverage of net charge-offs (x)	6.2124%	2,264
Efficiency ratio	71.9760%	3,937
Assets per employee ($millions)	2.5193%	7,174
Cash dividends to net income (ytd only)*	72.4638%	984
Condition Ratios (%)
Loss allowance to loans	1.0635%	6,168
Loan loss allowance to noncurrent loans	55.8629%	4,604
Noncurrent assets plus other real estate owned to assets	2.0290%	3,465
Noncurrent loans to loans	1.9038%	3,918
Net loans and leases to total assets	73.7715%	2,019
Net loans and leases to deposits	99.9168%	758
Net loans and leases to core deposits	104.7850%	1,673
Total domestic deposits to total assets	73.8330%	7,068
Equity capital to assets	10.6680%	3,070
Core capital (leverage) ratio	10.6053%	2,529
Tier 1 risk-based capital ratio	15.9353%	2,680
Total risk-based capital ratio	17.1339%	2,637
Memoranda:
Average total assets	$232,620,500	2,843
Average earning assets	$210,902,000	2,865
Average equity	$24,927,000	2,614
Average total loans	$174,796,000	2,542
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.5985%	553
Cost of funding earning assets	2.3320%	1,525
Net interest margin	4.2665%	1,832
Noninterest income to average assets	0.6586%	3,236
Noninterest expense to average assets	3.1697%	3,477
Loan and lease loss provision to assets	0.1935%	5,795
Net operating income to assets	0.8076%	2,510
Return on assets (ROA)	0.8051%	2,603
Pretax return on assets	1.1416%	2,121
Return on Equity (ROE)	7.6235%	2,533
Retained earnings to average equity (ytd only)	1.8606%	3,796
Net charge-offs to loans	0.1846%	5,502
Credit loss provision to net charge-offs	139.4984%	3,506
Earnings coverage of net charge-offs (x)	9.6520%	1,770
Efficiency ratio	70.3086%	4,559
Assets per employee ($millions)	2.4832%	7,231
Cash dividends to net income (ytd only)*	75.5940%	1,334
Condition Ratios (%)
Loss allowance to loans	1.0412%	6,169
Loan loss allowance to noncurrent loans	53.3392%	4,792
Noncurrent assets plus other real estate owned to assets	2.0962%	3,281
Noncurrent loans to loans	1.9521%	3,730
Net loans and leases to total assets	74.9396%	2,046
Net loans and leases to deposits	103.2995%	683
Net loans and leases to core deposits	125.3192%	1,565
Total domestic deposits to total assets	72.5459%	7,200
Equity capital to assets	10.7642%	2,903
Core capital (leverage) ratio	10.5502%	2,555
Tier 1 risk-based capital ratio	15.8335%	2,592
Total risk-based capital ratio	17.0075%	2,552
Memoranda:
Average total assets	$230,020,600	2,823
Average earning assets	$207,546,600	2,863
Average equity	$24,293,200	2,687
Average total loans	$172,783,000	2,594
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.6536%	551
Cost of funding earning assets	2.4020%	1,627
Net interest margin	4.2516%	1,866
Noninterest income to average assets	0.6475%	3,361
Noninterest expense to average assets	3.1593%	3,436
Loan and lease loss provision to assets	0.1712%	5,653
Net operating income to assets	0.8144%	2,745
Return on assets (ROA)	0.8083%	2,843
Pretax return on assets	1.1401%	2,448
Return on Equity (ROE)	7.6901%	2,773
Retained earnings to average equity (ytd only)	4.9298%	2,533
Net charge-offs to loans	0.2260%	4,642
Credit loss provision to net charge-offs	101.0274%	5,031
Earnings coverage of net charge-offs (x)	7.7912%	2,346
Efficiency ratio	70.5311%	4,487
Assets per employee ($millions)	2.5237%	7,193
Cash dividends to net income (ytd only)*	35.8937%	2,629
Condition Ratios (%)
Loss allowance to loans	0.9755%	6,414
Loan loss allowance to noncurrent loans	82.7485%	3,291
Noncurrent assets plus other real estate owned to assets	1.5161%	4,097
Noncurrent loans to loans	1.1788%	4,971
Net loans and leases to total assets	74.2392%	2,459
Net loans and leases to deposits	101.0055%	1,011
Net loans and leases to core deposits	122.7803%	2,013
Total domestic deposits to total assets	73.5001%	7,029
Equity capital to assets	10.7558%	3,240
Core capital (leverage) ratio	10.6535%	2,662
Tier 1 risk-based capital ratio	15.9370%	2,649
Total risk-based capital ratio	17.0453%	2,642
Memoranda:
Average total assets	$229,790,250	2,848
Average earning assets	$207,099,750	2,894
Average equity	$24,151,750	2,726
Average total loans	$172,256,750	2,633
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.7143%	530
Cost of funding earning assets	2.4589%	1,752
Net interest margin	4.2554%	1,798
Noninterest income to average assets	0.6271%	3,484
Noninterest expense to average assets	3.1512%	3,497
Loan and lease loss provision to assets	0.1528%	5,545
Net operating income to assets	0.8157%	2,796
Return on assets (ROA)	0.8114%	2,907
Pretax return on assets	1.1485%	2,471
Return on Equity (ROE)	7.7812%	2,857
Retained earnings to average equity (ytd only)	4.4309%	2,829
Net charge-offs to loans	0.2330%	4,040
Credit loss provision to net charge-offs	87.5000%	4,996
Earnings coverage of net charge-offs (x)	7.4850%	2,437
Efficiency ratio	70.6758%	4,643
Assets per employee ($millions)	2.4728%	7,301
Cash dividends to net income (ytd only)*	43.0571%	2,302
Condition Ratios (%)
Loss allowance to loans	0.9596%	6,508
Loan loss allowance to noncurrent loans	145.5972%	2,022
Noncurrent assets plus other real estate owned to assets	0.9873%	4,994
Noncurrent loans to loans	0.6591%	5,937
Net loans and leases to total assets	75.7677%	2,240
Net loans and leases to deposits	102.5164%	1,033
Net loans and leases to core deposits	124.5066%	1,977
Total domestic deposits to total assets	73.9079%	6,961
Equity capital to assets	10.6649%	3,239
Core capital (leverage) ratio	10.5037%	2,810
Tier 1 risk-based capital ratio	15.7208%	2,719
Total risk-based capital ratio	16.8058%	2,721
Memoranda:
Average total assets	$228,993,000	2,874
Average earning assets	$206,187,000	2,919
Average equity	$23,878,000	2,768
Average total loans	$171,653,000	2,670
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.5843%	732
Cost of funding earning assets	2.4945%	1,938
Net interest margin	4.0898%	2,318
Noninterest income to average assets	0.5798%	3,691
Noninterest expense to average assets	3.0086%	3,729
Loan and lease loss provision to assets	0.1306%	5,287
Net operating income to assets	0.7981%	3,141
Return on assets (ROA)	0.7870%	3,348
Pretax return on assets	1.1073%	2,961
Return on Equity (ROE)	7.6332%	3,314
Retained earnings to average equity (ytd only)	4.2557%	3,539
Net charge-offs to loans	0.2112%	3,369
Credit loss provision to net charge-offs	83.3333%	4,133
Earnings coverage of net charge-offs (x)	8.0000%	2,252
Efficiency ratio	70.5882%	4,457
Assets per employee ($millions)	2.4783%	7,325
Cash dividends to net income (ytd only)*	44.2478%	1,950
Condition Ratios (%)
Loss allowance to loans	0.9846%	6,284
Loan loss allowance to noncurrent loans	62.3145%	4,462
Noncurrent assets plus other real estate owned to assets	1.7269%	3,326
Noncurrent loans to loans	1.5801%	3,908
Net loans and leases to total assets	72.5205%	3,117
Net loans and leases to deposits	99.7927%	1,440
Net loans and leases to core deposits	120.0766%	2,409
Total domestic deposits to total assets	72.6712%	7,106
Equity capital to assets	10.2276%	3,738
Core capital (leverage) ratio	10.5407%	2,881
Tier 1 risk-based capital ratio	15.5288%	2,841
Total risk-based capital ratio	16.6193%	2,843
Memoranda:
Average total assets	$229,742,500	2,874
Average earning assets	$206,857,000	2,925
Average equity	$23,686,000	2,802
Average total loans	$170,461,000	2,692
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	7.2726%	630
Cost of funding earning assets	2.7694%	2,837
Net interest margin	4.5032%	1,413
Noninterest income to average assets	0.6527%	3,453
Noninterest expense to average assets	3.0712%	3,818
Loan and lease loss provision to assets	0.0790%	6,409
Net operating income to assets	1.2125%	1,738
Return on assets (ROA)	0.6221%	4,069
Pretax return on assets	0.8057%	4,046
Return on Equity (ROE)	5.5531%	4,134
Retained earnings to average equity (ytd only)	1.5465%	4,294
Net charge-offs to loans	0.0730%	5,717
Credit loss provision to net charge-offs	146.6667%	3,597
Earnings coverage of net charge-offs (x)	30.6583%	1,155
Efficiency ratio	65.0318%	5,321
Assets per employee ($millions)	2.3845%	7,427
Cash dividends to net income (ytd only)*	72.1501%	2,070
Condition Ratios (%)
Loss allowance to loans	0.9953%	6,102
Loan loss allowance to noncurrent loans	55.3560%	5,206
Noncurrent assets plus other real estate owned to assets	1.4356%	3,338
Noncurrent loans to loans	1.7980%	3,063
Net loans and leases to total assets	74.4303%	3,006
Net loans and leases to deposits	104.9655%	1,239
Net loans and leases to core deposits	125.9583%	2,164
Total domestic deposits to total assets	70.9093%	7,171
Equity capital to assets	10.3944%	3,619
Core capital (leverage) ratio	10.5154%	2,967
Tier 1 risk-based capital ratio	15.5149%	2,843
Total risk-based capital ratio	16.6291%	2,821
Memoranda:
Average total assets	$222,779,400	2,841
Average earning assets	$201,346,000	2,880
Average equity	$24,959,000	2,636
Average total loans	$164,361,800	2,707