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The First National Bank of Allendale, Performance and Condition Ratios

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2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7719%	2,533
Cost of funding earning assets	1.7572%	1,334
Net interest margin	3.0147%	3,248
Noninterest income to average assets	0.3100%	3,052
Noninterest expense to average assets	1.9631%	3,708
Loan and lease loss provision to assets	0.1100%	1,180
Net operating income to assets	0.8687%	2,637
Return on assets (ROA)	0.8536%	2,667
Pretax return on assets	1.0068%	2,671
Return on Equity (ROE)	11.4200%	2,120
Retained earnings to average equity (ytd only)	8.2216%	1,473
Net charge-offs to loans	0.0507%	1,355
Credit loss provision to net charge-offs	330.7087%	892
Earnings coverage of net charge-offs (x)	32.8425%	1,578
Efficiency ratio	63.1537%	2,712
Assets per employee ($millions)	8.0885%	1,390
Cash dividends to net income (ytd only)*	28.0000%	2,633
Condition Ratios (%)
Loss allowance to loans	1.0907%	2,887
Loan loss allowance to noncurrent loans	497.3958%	1,445
Noncurrent assets plus other real estate owned to assets	0.1844%	2,302
Noncurrent loans to loans	0.2193%	2,440
Net loans and leases to total assets	68.3400%	1,992
Net loans and leases to deposits	79.3227%	2,161
Net loans and leases to core deposits	91.6019%	1,937
Total domestic deposits to total assets	86.1600%	1,960
Equity capital to assets	7.8117%	3,534
Core capital (leverage) ratio	9.3714%	3,366
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,896
Memoranda:
Average total assets	$366,110,200	2,129
Average earning assets	$339,634,400	2,125
Average equity	$27,367,000	2,398
Average total loans	$250,367,400	2,002
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6779%	2,518
Cost of funding earning assets	1.6537%	1,270
Net interest margin	3.0243%	3,297
Noninterest income to average assets	0.3100%	3,041
Noninterest expense to average assets	1.9614%	3,686
Loan and lease loss provision to assets	0.1200%	978
Net operating income to assets	0.7955%	3,033
Return on assets (ROA)	0.7766%	3,082
Pretax return on assets	1.0105%	2,825
Return on Equity (ROE)	10.5100%	2,499
Retained earnings to average equity (ytd only)	8.2981%	1,864
Net charge-offs to loans	0.0307%	1,462
Credit loss provision to net charge-offs	552.6316%	593
Earnings coverage of net charge-offs (x)	54.8772%	1,258
Efficiency ratio	62.9048%	2,625
Assets per employee ($millions)	8.3677%	1,177
Cash dividends to net income (ytd only)*	21.0701%	2,424
Condition Ratios (%)
Loss allowance to loans	1.1062%	2,836
Loan loss allowance to noncurrent loans	952.5253%	902
Noncurrent assets plus other real estate owned to assets	0.0807%	3,053
Noncurrent loans to loans	0.1161%	2,989
Net loans and leases to total assets	68.6900%	1,977
Net loans and leases to deposits	80.0228%	2,048
Net loans and leases to core deposits	91.9062%	1,803
Total domestic deposits to total assets	85.8400%	2,246
Equity capital to assets	7.2395%	3,492
Core capital (leverage) ratio	9.3480%	3,446
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,911
Memoranda:
Average total assets	$362,597,750	2,152
Average earning assets	$336,295,250	2,151
Average equity	$26,784,500	2,410
Average total loans	$247,289,250	2,014
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5181%	2,602
Cost of funding earning assets	1.4441%	1,357
Net interest margin	3.0740%	3,275
Noninterest income to average assets	0.3100%	3,022
Noninterest expense to average assets	1.9759%	3,644
Loan and lease loss provision to assets	0.1200%	954
Net operating income to assets	0.8126%	3,042
Return on assets (ROA)	0.7912%	3,115
Pretax return on assets	1.0384%	2,803
Return on Equity (ROE)	10.6400%	2,521
Retained earnings to average equity (ytd only)	7.3207%	2,186
Net charge-offs to loans	0.0385%	1,141
Credit loss provision to net charge-offs	446.8085%	691
Earnings coverage of net charge-offs (x)	45.3617%	1,336
Efficiency ratio	62.4473%	2,651
Assets per employee ($millions)	8.1688%	1,245
Cash dividends to net income (ytd only)*	31.1843%	2,050
Condition Ratios (%)
Loss allowance to loans	1.0710%	3,086
Loan loss allowance to noncurrent loans	7,012.8205%	196
Noncurrent assets plus other real estate owned to assets	0.0106%	3,741
Noncurrent loans to loans	0.0153%	3,662
Net loans and leases to total assets	68.7200%	1,879
Net loans and leases to deposits	81.8921%	1,836
Net loans and leases to core deposits	89.6674%	1,820
Total domestic deposits to total assets	83.9200%	2,838
Equity capital to assets	7.3262%	3,621
Core capital (leverage) ratio	9.2330%	3,528
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,936
Memoranda:
Average total assets	$360,738,000	2,165
Average earning assets	$334,740,333	2,164
Average equity	$26,828,000	2,422
Average total loans	$244,471,667	2,026
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3230%	2,743
Cost of funding earning assets	1.2941%	1,244
Net interest margin	3.0289%	3,529
Noninterest income to average assets	0.2900%	3,144
Noninterest expense to average assets	2.0498%	3,498
Loan and lease loss provision to assets	0.1200%	916
Net operating income to assets	0.7333%	3,388
Return on assets (ROA)	0.7333%	3,348
Pretax return on assets	0.9359%	3,159
Return on Equity (ROE)	9.7800%	2,856
Retained earnings to average equity (ytd only)	9.7847%	1,748
Net charge-offs to loans	0.1088%	563
Credit loss provision to net charge-offs	161.5385%	917
Earnings coverage of net charge-offs (x)	14.4769%	1,568
Efficiency ratio	65.9091%	2,218
Assets per employee ($millions)	7.8831%	1,410
Cash dividends to net income (ytd only)*	0.0000%	2,306
Condition Ratios (%)
Loss allowance to loans	1.0905%	3,104
Loan loss allowance to noncurrent loans	6,871.0526%	228
Noncurrent assets plus other real estate owned to assets	0.0105%	3,757
Noncurrent loans to loans	0.0159%	3,687
Net loans and leases to total assets	65.3100%	2,129
Net loans and leases to deposits	75.1405%	2,189
Net loans and leases to core deposits	81.8634%	2,126
Total domestic deposits to total assets	86.9200%	2,297
Equity capital to assets	7.4987%	3,564
Core capital (leverage) ratio	9.3770%	3,316
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,020
Memoranda:
Average total assets	$357,308,000	2,208
Average earning assets	$331,346,000	2,205
Average equity	$26,776,500	2,444
Average total loans	$239,025,500	2,074
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6865%	2,564
Cost of funding earning assets	0.5592%	1,067
Net interest margin	3.1273%	3,092
Noninterest income to average assets	0.3500%	3,007
Noninterest expense to average assets	2.0117%	3,551
Loan and lease loss provision to assets	0.0700%	1,594
Net operating income to assets	0.8928%	2,992
Return on assets (ROA)	0.8928%	2,925
Pretax return on assets	1.1750%	2,521
Return on Equity (ROE)	11.3100%	2,380
Retained earnings to average equity (ytd only)	8.1643%	1,768
Net charge-offs to loans	0.0843%	819
Credit loss provision to net charge-offs	136.6120%	1,361
Earnings coverage of net charge-offs (x)	23.3661%	1,816
Efficiency ratio	61.5901%	2,823
Assets per employee ($millions)	7.1836%	1,838
Cash dividends to net income (ytd only)*	27.7869%	2,526
Condition Ratios (%)
Loss allowance to loans	0.9941%	3,424
Loan loss allowance to noncurrent loans	3,162.6667%	428
Noncurrent assets plus other real estate owned to assets	0.0335%	3,469
Noncurrent loans to loans	0.0314%	3,557
Net loans and leases to total assets	67.1100%	1,918
Net loans and leases to deposits	77.3683%	2,006
Net loans and leases to core deposits	84.7634%	1,828
Total domestic deposits to total assets	86.7500%	2,473
Equity capital to assets	7.4890%	3,392
Core capital (leverage) ratio	9.5313%	3,104
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,055
Memoranda:
Average total assets	$342,645,800	2,253
Average earning assets	$319,218,000	2,240
Average equity	$27,056,800	2,477
Average total loans	$217,004,800	2,122
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5365%	2,499
Cost of funding earning assets	0.4125%	1,210
Net interest margin	3.1240%	2,854
Noninterest income to average assets	0.3600%	2,976
Noninterest expense to average assets	2.0455%	3,366
Loan and lease loss provision to assets	0.0700%	1,430
Net operating income to assets	0.8886%	2,918
Return on assets (ROA)	0.8886%	2,891
Pretax return on assets	1.1621%	2,520
Return on Equity (ROE)	11.1000%	2,336
Retained earnings to average equity (ytd only)	9.0239%	1,643
Net charge-offs to loans	0.0674%	820
Credit loss provision to net charge-offs	163.5514%	1,085
Earnings coverage of net charge-offs (x)	29.3551%	1,527
Efficiency ratio	62.3057%	2,794
Assets per employee ($millions)	6.9804%	1,954
Cash dividends to net income (ytd only)*	18.7390%	2,519
Condition Ratios (%)
Loss allowance to loans	1.0598%	3,201
Loan loss allowance to noncurrent loans	859.7826%	1,096
Noncurrent assets plus other real estate owned to assets	0.0791%	3,115
Noncurrent loans to loans	0.1233%	3,031
Net loans and leases to total assets	63.4700%	2,144
Net loans and leases to deposits	71.3011%	2,263
Net loans and leases to core deposits	75.7477%	2,214
Total domestic deposits to total assets	89.0200%	2,086
Equity capital to assets	7.0408%	3,492
Core capital (leverage) ratio	9.5668%	3,000
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,120
Memoranda:
Average total assets	$340,308,500	2,272
Average earning assets	$317,703,500	2,264
Average equity	$27,230,750	2,499
Average total loans	$211,603,500	2,156
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4075%	2,411
Cost of funding earning assets	0.3418%	1,348
Net interest margin	3.0657%	2,663
Noninterest income to average assets	0.3640%	2,965
Noninterest expense to average assets	2.0557%	3,278
Loan and lease loss provision to assets	0.0889%	1,106
Net operating income to assets	0.8376%	2,832
Return on assets (ROA)	0.8376%	2,803
Pretax return on assets	1.0848%	2,460
Return on Equity (ROE)	10.0511%	2,318
Retained earnings to average equity (ytd only)	7.0279%	1,982
Net charge-offs to loans	-0.0231%	3,940
Credit loss provision to net charge-offs	-625.0000%	3,429
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	63.5279%	2,837
Assets per employee ($millions)	6.8191%	2,055
Cash dividends to net income (ytd only)*	30.0778%	2,093
Condition Ratios (%)
Loss allowance to loans	1.1420%	2,969
Loan loss allowance to noncurrent loans	549.6674%	1,446
Noncurrent assets plus other real estate owned to assets	0.1323%	2,783
Noncurrent loans to loans	0.2078%	2,676
Net loans and leases to total assets	62.9391%	2,021
Net loans and leases to deposits	68.6194%	2,332
Net loans and leases to core deposits	71.1177%	2,409
Total domestic deposits to total assets	91.7221%	956
Equity capital to assets	7.2602%	3,622
Core capital (leverage) ratio	9.3843%	3,024
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$337,404,000	2,297
Average earning assets	$315,360,667	2,299
Average equity	$28,116,333	2,520
Average total loans	$207,502,333	2,181
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2697%	2,475
Cost of funding earning assets	0.3483%	1,222
Net interest margin	2.9214%	2,762
Noninterest income to average assets	0.3504%	2,996
Noninterest expense to average assets	2.0797%	3,221
Loan and lease loss provision to assets	0.0894%	925
Net operating income to assets	0.7246%	2,962
Return on assets (ROA)	0.7246%	2,952
Pretax return on assets	0.9201%	2,700
Return on Equity (ROE)	8.1618%	2,619
Retained earnings to average equity (ytd only)	8.1618%	1,530
Net charge-offs to loans	-0.0099%	3,582
Credit loss provision to net charge-offs	-1,500.0000%	3,325
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.2068%	2,604
Assets per employee ($millions)	6.8158%	2,128
Cash dividends to net income (ytd only)*	0.0000%	2,254
Condition Ratios (%)
Loss allowance to loans	1.1655%	3,024
Loan loss allowance to noncurrent loans	651.6393%	1,241
Noncurrent assets plus other real estate owned to assets	0.1074%	3,056
Noncurrent loans to loans	0.1789%	2,922
Net loans and leases to total assets	59.3451%	2,145
Net loans and leases to deposits	65.7509%	2,357
Net loans and leases to core deposits	68.0752%	2,452
Total domestic deposits to total assets	90.2573%	1,410
Equity capital to assets	8.2702%	3,347
Core capital (leverage) ratio	9.2646%	3,055
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$335,628,500	2,319
Average earning assets	$314,643,500	2,315
Average equity	$29,797,500	2,491
Average total loans	$202,717,000	2,207
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6653%	2,205
Cost of funding earning assets	0.4330%	1,302
Net interest margin	3.2323%	2,507
Noninterest income to average assets	0.4261%	2,917
Noninterest expense to average assets	2.0956%	3,401
Loan and lease loss provision to assets	0.0239%	2,588
Net operating income to assets	1.0072%	2,640
Return on assets (ROA)	1.0072%	2,710
Pretax return on assets	1.3376%	2,245
Return on Equity (ROE)	10.2671%	2,425
Retained earnings to average equity (ytd only)	7.6719%	1,668
Net charge-offs to loans	0.0563%	1,234
Credit loss provision to net charge-offs	70.7547%	2,013
Earnings coverage of net charge-offs (x)	40.3585%	1,437
Efficiency ratio	60.4897%	3,083
Assets per employee ($millions)	6.7442%	2,112
Cash dividends to net income (ytd only)*	25.2765%	2,774
Condition Ratios (%)
Loss allowance to loans	1.1479%	3,136
Loan loss allowance to noncurrent loans	194.0236%	2,629
Noncurrent assets plus other real estate owned to assets	0.3595%	1,788
Noncurrent loans to loans	0.5916%	1,660
Net loans and leases to total assets	60.0671%	2,157
Net loans and leases to deposits	67.6599%	2,337
Net loans and leases to core deposits	70.1487%	2,431
Total domestic deposits to total assets	88.7780%	1,624
Equity capital to assets	9.5050%	3,143
Core capital (leverage) ratio	9.4821%	2,882
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$314,228,600	2,367
Average earning assets	$294,654,600	2,359
Average equity	$30,826,600	2,486
Average total loans	$188,422,200	2,314
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7453%	2,157
Cost of funding earning assets	0.4515%	1,344
Net interest margin	3.2939%	2,432
Noninterest income to average assets	0.4509%	2,835
Noninterest expense to average assets	2.0943%	3,383
Loan and lease loss provision to assets	0.0322%	2,350
Net operating income to assets	1.0665%	2,668
Return on assets (ROA)	1.0665%	2,734
Pretax return on assets	1.4104%	2,294
Return on Equity (ROE)	10.7818%	2,452
Retained earnings to average equity (ytd only)	9.0435%	1,672
Net charge-offs to loans	0.0216%	1,619
Credit loss provision to net charge-offs	250.0000%	1,095
Earnings coverage of net charge-offs (x)	111.8667%	809
Efficiency ratio	59.0788%	3,114
Assets per employee ($millions)	6.9417%	1,913
Cash dividends to net income (ytd only)*	16.1225%	2,728
Condition Ratios (%)
Loss allowance to loans	1.2785%	2,595
Loan loss allowance to noncurrent loans	211.6444%	2,454
Noncurrent assets plus other real estate owned to assets	0.3617%	1,992
Noncurrent loans to loans	0.6041%	1,797
Net loans and leases to total assets	57.5776%	2,550
Net loans and leases to deposits	65.2461%	2,703
Net loans and leases to core deposits	69.0517%	2,682
Total domestic deposits to total assets	88.2468%	1,692
Equity capital to assets	9.9162%	2,984
Core capital (leverage) ratio	9.5310%	2,981
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$310,169,000	2,412
Average earning assets	$290,593,250	2,402
Average equity	$30,680,500	2,519
Average total loans	$185,326,000	2,382
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6387%	2,503
Cost of funding earning assets	0.4627%	1,433
Net interest margin	3.1759%	2,828
Noninterest income to average assets	0.4630%	2,791
Noninterest expense to average assets	2.0637%	3,509
Loan and lease loss provision to assets	0.0488%	2,051
Net operating income to assets	1.0029%	2,872
Return on assets (ROA)	1.0029%	2,954
Pretax return on assets	1.3226%	2,575
Return on Equity (ROE)	10.1474%	2,698
Retained earnings to average equity (ytd only)	7.5117%	2,247
Net charge-offs to loans	0.0054%	1,949
Credit loss provision to net charge-offs	1,500.0000%	353
Earnings coverage of net charge-offs (x)	421.2000%	303
Efficiency ratio	59.9431%	3,022
Assets per employee ($millions)	6.9095%	1,870
Cash dividends to net income (ytd only)*	25.9740%	2,248
Condition Ratios (%)
Loss allowance to loans	1.3175%	2,352
Loan loss allowance to noncurrent loans	200.4167%	2,459
Noncurrent assets plus other real estate owned to assets	0.3867%	2,059
Noncurrent loans to loans	0.6574%	1,776
Net loans and leases to total assets	56.6748%	2,819
Net loans and leases to deposits	64.2535%	2,973
Net loans and leases to core deposits	68.1709%	2,945
Total domestic deposits to total assets	88.2050%	1,717
Equity capital to assets	9.6464%	3,204
Core capital (leverage) ratio	9.3649%	3,050
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$307,119,667	2,417
Average earning assets	$287,412,333	2,413
Average equity	$30,352,667	2,522
Average total loans	$185,022,667	2,392
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5804%	2,703
Cost of funding earning assets	0.4817%	1,506
Net interest margin	3.0987%	2,988
Noninterest income to average assets	0.5368%	2,447
Noninterest expense to average assets	2.0891%	3,459
Loan and lease loss provision to assets	0.0994%	1,358
Net operating income to assets	0.9571%	2,946
Return on assets (ROA)	0.9571%	3,040
Pretax return on assets	1.2473%	2,705
Return on Equity (ROE)	9.5632%	2,832
Retained earnings to average equity (ytd only)	9.5632%	1,778
Net charge-offs to loans	0.0107%	1,544
Credit loss provision to net charge-offs	1,500.0000%	302
Earnings coverage of net charge-offs (x)	203.2000%	391
Efficiency ratio	60.6867%	2,952
Assets per employee ($millions)	6.8620%	1,885
Cash dividends to net income (ytd only)*	0.0000%	2,433
Condition Ratios (%)
Loss allowance to loans	1.3150%	2,369
Loan loss allowance to noncurrent loans	172.2262%	2,602
Noncurrent assets plus other real estate owned to assets	0.4426%	2,063
Noncurrent loans to loans	0.7635%	1,712
Net loans and leases to total assets	57.2015%	2,882
Net loans and leases to deposits	64.8632%	3,041
Net loans and leases to core deposits	68.7339%	2,995
Total domestic deposits to total assets	88.1879%	1,743
Equity capital to assets	9.6198%	3,080
Core capital (leverage) ratio	9.6326%	2,891
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$301,760,500	2,432
Average earning assets	$282,316,000	2,427
Average equity	$30,199,000	2,527
Average total loans	$186,264,500	2,389
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2333%	2,044
Cost of funding earning assets	0.7030%	1,705
Net interest margin	3.5303%	2,371
Noninterest income to average assets	0.5279%	2,516
Noninterest expense to average assets	2.2003%	3,663
Loan and lease loss provision to assets	0.1972%	1,981
Net operating income to assets	1.0427%	2,132
Return on assets (ROA)	1.0473%	2,253
Pretax return on assets	1.4098%	1,626
Return on Equity (ROE)	9.9650%	2,019
Retained earnings to average equity (ytd only)	7.1979%	1,322
Net charge-offs to loans	0.1537%	1,060
Credit loss provision to net charge-offs	193.8849%	2,191
Earnings coverage of net charge-offs (x)	15.7446%	2,158
Efficiency ratio	57.7463%	3,761
Assets per employee ($millions)	6.3971%	2,004
Cash dividends to net income (ytd only)*	27.7681%	2,946
Condition Ratios (%)
Loss allowance to loans	1.2323%	2,786
Loan loss allowance to noncurrent loans	130.6488%	2,980
Noncurrent assets plus other real estate owned to assets	0.6211%	1,694
Noncurrent loans to loans	0.9432%	1,496
Net loans and leases to total assets	65.0398%	2,220
Net loans and leases to deposits	74.7906%	2,398
Net loans and leases to core deposits	79.5606%	2,401
Total domestic deposits to total assets	86.9625%	1,961
Equity capital to assets	10.4328%	2,728
Core capital (leverage) ratio	10.0355%	2,574
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$273,365,800	2,438
Average earning assets	$253,491,200	2,448
Average equity	$28,730,600	2,551
Average total loans	$180,914,600	2,407
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2826%	2,152
Cost of funding earning assets	0.7476%	1,760
Net interest margin	3.5350%	2,474
Noninterest income to average assets	0.5185%	2,531
Noninterest expense to average assets	2.2105%	3,654
Loan and lease loss provision to assets	0.2269%	1,789
Net operating income to assets	1.0158%	2,273
Return on assets (ROA)	1.0217%	2,382
Pretax return on assets	1.3608%	1,852
Return on Equity (ROE)	9.7023%	2,132
Retained earnings to average equity (ytd only)	7.8482%	1,361
Net charge-offs to loans	0.0955%	1,350
Credit loss provision to net charge-offs	358.5938%	1,580
Earnings coverage of net charge-offs (x)	24.9766%	1,740
Efficiency ratio	58.1693%	3,643
Assets per employee ($millions)	6.3240%	1,973
Cash dividends to net income (ytd only)*	19.1098%	2,829
Condition Ratios (%)
Loss allowance to loans	1.2937%	2,183
Loan loss allowance to noncurrent loans	136.0294%	2,853
Noncurrent assets plus other real estate owned to assets	0.6315%	1,844
Noncurrent loans to loans	0.9511%	1,587
Net loans and leases to total assets	64.4779%	2,707
Net loans and leases to deposits	77.1904%	2,629
Net loans and leases to core deposits	83.7743%	2,500
Total domestic deposits to total assets	83.5311%	2,980
Equity capital to assets	10.4119%	2,864
Core capital (leverage) ratio	10.0887%	2,636
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$269,739,750	2,439
Average earning assets	$249,686,750	2,452
Average equity	$28,405,000	2,566
Average total loans	$178,751,750	2,421
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3735%	2,272
Cost of funding earning assets	0.7941%	1,855
Net interest margin	3.5794%	2,549
Noninterest income to average assets	0.4592%	2,770
Noninterest expense to average assets	2.2674%	3,604
Loan and lease loss provision to assets	0.2357%	1,794
Net operating income to assets	0.9518%	2,484
Return on assets (ROA)	0.9607%	2,581
Pretax return on assets	1.2765%	2,106
Return on Equity (ROE)	9.0868%	2,325
Retained earnings to average equity (ytd only)	6.2650%	1,958
Net charge-offs to loans	0.0147%	2,451
Credit loss provision to net charge-offs	2,400.0000%	422
Earnings coverage of net charge-offs (x)	152.8462%	526
Efficiency ratio	60.0321%	3,407
Assets per employee ($millions)	6.3637%	1,890
Cash dividends to net income (ytd only)*	31.0535%	2,320
Condition Ratios (%)
Loss allowance to loans	1.2724%	2,146
Loan loss allowance to noncurrent loans	123.0809%	2,925
Noncurrent assets plus other real estate owned to assets	0.6733%	1,820
Noncurrent loans to loans	1.0338%	1,505
Net loans and leases to total assets	64.2993%	2,846
Net loans and leases to deposits	76.6987%	2,786
Net loans and leases to core deposits	83.1412%	2,677
Total domestic deposits to total assets	83.8337%	2,805
Equity capital to assets	10.0375%	3,169
Core capital (leverage) ratio	9.9559%	2,877
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$264,793,667	2,444
Average earning assets	$244,792,000	2,455
Average equity	$27,996,667	2,584
Average total loans	$176,370,667	2,425
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6172%	1,950
Cost of funding earning assets	0.8919%	1,909
Net interest margin	3.7252%	2,234
Noninterest income to average assets	0.4598%	2,748
Noninterest expense to average assets	2.3763%	3,590
Loan and lease loss provision to assets	0.2756%	1,132
Net operating income to assets	0.9250%	2,439
Return on assets (ROA)	0.9449%	2,465
Pretax return on assets	1.2598%	1,990
Return on Equity (ROE)	8.6884%	2,246
Retained earnings to average equity (ytd only)	8.6884%	1,057
Net charge-offs to loans	0.0257%	1,853
Credit loss provision to net charge-offs	1,590.9091%	406
Earnings coverage of net charge-offs (x)	87.1818%	638
Efficiency ratio	61.0211%	3,612
Assets per employee ($millions)	5.7977%	1,843
Cash dividends to net income (ytd only)*	0.0000%	2,581
Condition Ratios (%)
Loss allowance to loans	1.3047%	2,125
Loan loss allowance to noncurrent loans	110.8470%	3,084
Noncurrent assets plus other real estate owned to assets	0.7915%	1,711
Noncurrent loans to loans	1.1770%	1,400
Net loans and leases to total assets	66.3634%	2,773
Net loans and leases to deposits	77.1312%	2,966
Net loans and leases to core deposits	84.2933%	2,825
Total domestic deposits to total assets	86.0396%	1,985
Equity capital to assets	11.0176%	2,841
Core capital (leverage) ratio	10.6132%	2,833
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$254,007,000	2,475
Average earning assets	$233,649,500	2,477
Average equity	$27,623,000	2,599
Average total loans	$171,303,500	2,440
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6638%	2,426
Cost of funding earning assets	0.9611%	1,900
Net interest margin	3.7027%	2,808
Noninterest income to average assets	0.4860%	2,825
Noninterest expense to average assets	2.2937%	3,957
Loan and lease loss provision to assets	0.2405%	781
Net operating income to assets	1.0874%	2,493
Return on assets (ROA)	1.1059%	2,514
Pretax return on assets	1.3978%	2,171
Return on Equity (ROE)	10.2293%	2,193
Retained earnings to average equity (ytd only)	7.4437%	1,191
Net charge-offs to loans	0.0489%	2,420
Credit loss provision to net charge-offs	718.7500%	443
Earnings coverage of net charge-offs (x)	48.2625%	1,152
Efficiency ratio	58.5340%	3,909
Assets per employee ($millions)	5.7480%	1,834
Cash dividends to net income (ytd only)*	27.2315%	3,200
Condition Ratios (%)
Loss allowance to loans	1.2123%	2,364
Loan loss allowance to noncurrent loans	99.0922%	3,307
Noncurrent assets plus other real estate owned to assets	0.8276%	1,554
Noncurrent loans to loans	1.2234%	1,224
Net loans and leases to total assets	66.8219%	2,858
Net loans and leases to deposits	77.4769%	3,065
Net loans and leases to core deposits	84.8702%	2,881
Total domestic deposits to total assets	86.2475%	1,957
Equity capital to assets	10.7309%	3,231
Core capital (leverage) ratio	10.7241%	2,739
Tier 1 risk-based capital ratio	14.5372%	3,000
Total risk-based capital ratio	15.7296%	2,928
Memoranda:
Average total assets	$239,088,800	2,530
Average earning assets	$220,998,400	2,528
Average equity	$25,847,200	2,647
Average total loans	$163,715,000	2,472
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6742%	2,490
Cost of funding earning assets	0.9716%	1,885
Net interest margin	3.7026%	2,910
Noninterest income to average assets	0.4595%	2,962
Noninterest expense to average assets	2.3001%	3,951
Loan and lease loss provision to assets	0.2575%	622
Net operating income to assets	0.9792%	3,056
Return on assets (ROA)	0.9993%	3,063
Pretax return on assets	1.3558%	2,476
Return on Equity (ROE)	9.2251%	2,793
Retained earnings to average equity (ytd only)	7.3445%	1,696
Net charge-offs to loans	0.0313%	2,448
Credit loss provision to net charge-offs	1,197.3684%	306
Earnings coverage of net charge-offs (x)	73.8354%	915
Efficiency ratio	59.0162%	3,801
Assets per employee ($millions)	5.5812%	1,952
Cash dividends to net income (ytd only)*	20.3851%	3,022
Condition Ratios (%)
Loss allowance to loans	1.2016%	2,494
Loan loss allowance to noncurrent loans	123.7299%	2,954
Noncurrent assets plus other real estate owned to assets	0.6725%	2,009
Noncurrent loans to loans	0.9712%	1,646
Net loans and leases to total assets	68.4153%	2,727
Net loans and leases to deposits	79.8199%	2,919
Net loans and leases to core deposits	87.8972%	2,744
Total domestic deposits to total assets	85.7121%	2,117
Equity capital to assets	11.0953%	3,016
Core capital (leverage) ratio	10.8460%	2,792
Tier 1 risk-based capital ratio	15.0459%	2,825
Total risk-based capital ratio	16.2599%	2,773
Memoranda:
Average total assets	$235,632,500	2,568
Average earning assets	$218,184,000	2,570
Average equity	$25,524,000	2,678
Average total loans	$161,874,750	2,517
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6159%	2,627
Cost of funding earning assets	0.9658%	1,842
Net interest margin	3.6501%	3,100
Noninterest income to average assets	0.4125%	3,187
Noninterest expense to average assets	2.2615%	4,102
Loan and lease loss provision to assets	0.2007%	855
Net operating income to assets	0.9962%	2,938
Return on assets (ROA)	1.0231%	2,914
Pretax return on assets	1.3673%	2,313
Return on Equity (ROE)	9.5246%	2,620
Retained earnings to average equity (ytd only)	6.6624%	1,972
Net charge-offs to loans	0.0598%	1,789
Credit loss provision to net charge-offs	489.5833%	612
Earnings coverage of net charge-offs (x)	37.4167%	1,292
Efficiency ratio	59.4284%	3,802
Assets per employee ($millions)	5.6208%	1,852
Cash dividends to net income (ytd only)*	30.0501%	2,631
Condition Ratios (%)
Loss allowance to loans	1.0776%	3,199
Loan loss allowance to noncurrent loans	128.5298%	2,905
Noncurrent assets plus other real estate owned to assets	0.5820%	2,268
Noncurrent loans to loans	0.8384%	1,919
Net loans and leases to total assets	68.6745%	2,728
Net loans and leases to deposits	80.3758%	2,908
Net loans and leases to core deposits	88.1577%	2,782
Total domestic deposits to total assets	85.4418%	2,288
Equity capital to assets	10.9839%	3,079
Core capital (leverage) ratio	10.7709%	2,815
Tier 1 risk-based capital ratio	14.8516%	2,895
Total risk-based capital ratio	15.9411%	2,899
Memoranda:
Average total assets	$234,179,000	2,586
Average earning assets	$217,032,670	2,586
Average equity	$25,156,000	2,704
Average total loans	$160,436,670	2,534
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5438%	2,721
Cost of funding earning assets	0.9258%	1,899
Net interest margin	3.6180%	3,194
Noninterest income to average assets	0.4116%	3,098
Noninterest expense to average assets	2.2536%	4,140
Loan and lease loss provision to assets	0.1972%	820
Net operating income to assets	0.9844%	2,905
Return on assets (ROA)	0.9844%	2,945
Pretax return on assets	1.3120%	2,408
Return on Equity (ROE)	9.2697%	2,685
Retained earnings to average equity (ytd only)	9.2697%	1,233
Net charge-offs to loans	0.1084%	1,087
Credit loss provision to net charge-offs	267.4419%	887
Earnings coverage of net charge-offs (x)	20.4651%	1,555
Efficiency ratio	59.7083%	3,850
Assets per employee ($millions)	5.7202%	1,780
Cash dividends to net income (ytd only)*	0.0000%	2,768
Condition Ratios (%)
Loss allowance to loans	1.0411%	3,458
Loan loss allowance to noncurrent loans	127.8638%	2,960
Noncurrent assets plus other real estate owned to assets	0.5641%	2,381
Noncurrent loans to loans	0.8142%	2,013
Net loans and leases to total assets	66.9558%	2,906
Net loans and leases to deposits	78.5181%	3,005
Net loans and leases to core deposits	86.1363%	2,858
Total domestic deposits to total assets	85.2743%	2,567
Equity capital to assets	10.7714%	3,073
Core capital (leverage) ratio	10.7780%	2,780
Tier 1 risk-based capital ratio	15.0942%	2,841
Total risk-based capital ratio	16.1445%	2,853
Memoranda:
Average total assets	$233,232,000	2,614
Average earning assets	$216,031,000	2,621
Average equity	$24,769,000	2,737
Average total loans	$158,711,000	2,574
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3772%	2,837
Cost of funding earning assets	0.6142%	2,624
Net interest margin	3.7630%	2,808
Noninterest income to average assets	0.4846%	2,916
Noninterest expense to average assets	2.2741%	4,179
Loan and lease loss provision to assets	0.4212%	310
Net operating income to assets	0.9643%	3,160
Return on assets (ROA)	0.9510%	3,225
Pretax return on assets	1.2383%	2,747
Return on Equity (ROE)	9.1347%	2,929
Retained earnings to average equity (ytd only)	6.1962%	2,092
Net charge-offs to loans	0.5922%	288
Credit loss provision to net charge-offs	106.7416%	2,397
Earnings coverage of net charge-offs (x)	4.2483%	3,315
Efficiency ratio	57.4074%	4,230
Assets per employee ($millions)	5.7984%	1,677
Cash dividends to net income (ytd only)*	32.1678%	2,938
Condition Ratios (%)
Loss allowance to loans	0.9953%	3,734
Loan loss allowance to noncurrent loans	113.8329%	3,213
Noncurrent assets plus other real estate owned to assets	0.6032%	2,229
Noncurrent loans to loans	0.8744%	1,842
Net loans and leases to total assets	67.7601%	2,911
Net loans and leases to deposits	79.2700%	3,035
Net loans and leases to core deposits	86.8407%	2,853
Total domestic deposits to total assets	85.4800%	2,444
Equity capital to assets	10.4667%	3,224
Core capital (leverage) ratio	10.7259%	2,814
Tier 1 risk-based capital ratio	14.6702%	2,982
Total risk-based capital ratio	15.6718%	3,019
Memoranda:
Average total assets	$225,543,400	2,645
Average earning assets	$207,734,400	2,654
Average equity	$23,482,000	2,774
Average total loans	$150,294,600	2,637
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3211%	2,886
Cost of funding earning assets	0.5435%	2,908
Net interest margin	3.7776%	2,723
Noninterest income to average assets	0.4751%	3,011
Noninterest expense to average assets	2.2779%	4,153
Loan and lease loss provision to assets	0.4465%	267
Net operating income to assets	0.9371%	3,361
Return on assets (ROA)	0.9193%	3,441
Pretax return on assets	1.2038%	2,966
Return on Equity (ROE)	8.8415%	3,160
Retained earnings to average equity (ytd only)	6.8945%	2,181
Net charge-offs to loans	0.7342%	191
Credit loss provision to net charge-offs	91.9118%	2,404
Earnings coverage of net charge-offs (x)	3.4436%	3,160
Efficiency ratio	57.5196%	4,182
Assets per employee ($millions)	5.5680%	1,856
Cash dividends to net income (ytd only)*	22.0206%	2,923
Condition Ratios (%)
Loss allowance to loans	0.9551%	4,032
Loan loss allowance to noncurrent loans	100.4147%	3,450
Noncurrent assets plus other real estate owned to assets	0.6546%	2,230
Noncurrent loans to loans	0.9512%	1,791
Net loans and leases to total assets	67.6500%	2,994
Net loans and leases to deposits	82.6223%	2,755
Net loans and leases to core deposits	86.6961%	2,944
Total domestic deposits to total assets	81.8786%	3,652
Equity capital to assets	10.6439%	2,995
Core capital (leverage) ratio	10.8418%	2,744
Tier 1 risk-based capital ratio	15.3324%	2,724
Total risk-based capital ratio	16.3096%	2,780
Memoranda:
Average total assets	$223,945,250	2,673
Average earning assets	$206,054,250	2,683
Average equity	$23,283,500	2,802
Average total loans	$148,183,250	2,681
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2368%	2,989
Cost of funding earning assets	0.5041%	2,978
Net interest margin	3.7326%	2,815
Noninterest income to average assets	0.4725%	3,021
Noninterest expense to average assets	2.2598%	4,235
Loan and lease loss provision to assets	0.2674%	569
Net operating income to assets	1.0492%	2,813
Return on assets (ROA)	1.0492%	2,805
Pretax return on assets	1.3773%	2,235
Return on Equity (ROE)	10.1717%	2,489
Retained earnings to average equity (ytd only)	7.2334%	1,961
Net charge-offs to loans	0.0218%	2,447
Credit loss provision to net charge-offs	1,875.0000%	224
Earnings coverage of net charge-offs (x)	115.3125%	628
Efficiency ratio	57.7169%	4,280
Assets per employee ($millions)	5.4484%	1,941
Cash dividends to net income (ytd only)*	28.8870%	2,633
Condition Ratios (%)
Loss allowance to loans	1.2216%	2,595
Loan loss allowance to noncurrent loans	902.0000%	651
Noncurrent assets plus other real estate owned to assets	0.0895%	4,567
Noncurrent loans to loans	0.1354%	4,298
Net loans and leases to total assets	65.2986%	3,243
Net loans and leases to deposits	77.8417%	3,177
Net loans and leases to core deposits	81.5833%	3,283
Total domestic deposits to total assets	83.8864%	3,110
Equity capital to assets	10.5151%	3,097
Core capital (leverage) ratio	10.6318%	2,886
Tier 1 risk-based capital ratio	15.6326%	2,576
Total risk-based capital ratio	16.8753%	2,530
Memoranda:
Average total assets	$224,353,670	2,686
Average earning assets	$206,289,670	2,703
Average equity	$23,142,670	2,828
Average total loans	$146,870,000	2,707
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1320%	3,119
Cost of funding earning assets	0.4809%	2,953
Net interest margin	3.6511%	2,983
Noninterest income to average assets	0.4448%	3,149
Noninterest expense to average assets	2.2452%	4,314
Loan and lease loss provision to assets	0.2669%	522
Net operating income to assets	0.9864%	2,906
Return on assets (ROA)	0.9963%	2,892
Pretax return on assets	1.2951%	2,384
Return on Equity (ROE)	9.7521%	2,562
Retained earnings to average equity (ytd only)	9.7521%	1,240
Net charge-offs to loans	-0.0027%	3,857
Credit loss provision to net charge-offs	-15,000.0000%	4,529
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	59.0248%	4,213
Assets per employee ($millions)	5.5451%	1,900
Cash dividends to net income (ytd only)*	0.0000%	2,749
Condition Ratios (%)
Loss allowance to loans	1.1481%	3,101
Loan loss allowance to noncurrent loans	748.8789%	770
Noncurrent assets plus other real estate owned to assets	0.1223%	4,482
Noncurrent loans to loans	0.1533%	4,291
Net loans and leases to total assets	63.2473%	3,403
Net loans and leases to deposits	73.6130%	3,454
Net loans and leases to core deposits	77.0965%	3,566
Total domestic deposits to total assets	85.9186%	2,577
Equity capital to assets	10.1566%	3,443
Core capital (leverage) ratio	10.6056%	2,847
Tier 1 risk-based capital ratio	15.5236%	2,658
Total risk-based capital ratio	16.6837%	2,621
Memoranda:
Average total assets	$224,839,000	2,709
Average earning assets	$206,292,500	2,729
Average equity	$22,969,500	2,867
Average total loans	$146,470,000	2,730
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1132%	3,011
Cost of funding earning assets	0.4536%	2,741
Net interest margin	3.6597%	2,953
Noninterest income to average assets	0.4729%	3,170
Noninterest expense to average assets	2.2940%	4,345
Loan and lease loss provision to assets	0.4435%	314
Net operating income to assets	0.6892%	3,644
Return on assets (ROA)	0.7044%	3,639
Pretax return on assets	1.1190%	3,108
Return on Equity (ROE)	6.6250%	3,467
Retained earnings to average equity (ytd only)	3.6177%	3,091
Net charge-offs to loans	0.4993%	475
Credit loss provision to net charge-offs	132.8671%	1,988
Earnings coverage of net charge-offs (x)	4.6098%	3,440
Efficiency ratio	59.7077%	4,303
Assets per employee ($millions)	5.4227%	2,019
Cash dividends to net income (ytd only)*	45.3943%	2,563
Condition Ratios (%)
Loss allowance to loans	1.0300%	3,745
Loan loss allowance to noncurrent loans	1,726.1364%	395
Noncurrent assets plus other real estate owned to assets	0.0643%	4,802
Noncurrent loans to loans	0.0597%	4,727
Net loans and leases to total assets	65.6500%	3,145
Net loans and leases to deposits	77.0456%	3,224
Net loans and leases to core deposits	80.3739%	3,392
Total domestic deposits to total assets	85.2093%	2,753
Equity capital to assets	10.2767%	3,406
Core capital (leverage) ratio	10.4894%	2,851
Tier 1 risk-based capital ratio	14.8514%	2,906
Total risk-based capital ratio	15.8898%	2,943
Memoranda:
Average total assets	$214,213,400	2,774
Average earning assets	$196,658,000	2,800
Average equity	$22,777,200	2,881
Average total loans	$143,201,000	2,732
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0980%	2,991
Cost of funding earning assets	0.4432%	2,776
Net interest margin	3.6548%	2,933
Noninterest income to average assets	0.4619%	3,266
Noninterest expense to average assets	2.2759%	4,357
Loan and lease loss provision to assets	0.5027%	235
Net operating income to assets	0.7355%	3,791
Return on assets (ROA)	0.7578%	3,763
Pretax return on assets	1.0726%	3,412
Return on Equity (ROE)	7.0650%	3,623
Retained earnings to average equity (ytd only)	5.0146%	2,878
Net charge-offs to loans	0.5591%	355
Credit loss provision to net charge-offs	134.2282%	1,833
Earnings coverage of net charge-offs (x)	4.1225%	3,263
Efficiency ratio	59.4341%	4,300
Assets per employee ($millions)	5.1738%	2,257
Cash dividends to net income (ytd only)*	29.0219%	2,788
Condition Ratios (%)
Loss allowance to loans	1.0533%	3,769
Loan loss allowance to noncurrent loans	638.1974%	851
Noncurrent assets plus other real estate owned to assets	0.2748%	3,976
Noncurrent loans to loans	0.1650%	4,405
Net loans and leases to total assets	65.8546%	3,123
Net loans and leases to deposits	78.1990%	3,142
Net loans and leases to core deposits	81.6141%	3,316
Total domestic deposits to total assets	84.2140%	3,038
Equity capital to assets	10.9431%	2,921
Core capital (leverage) ratio	10.8183%	2,625
Tier 1 risk-based capital ratio	15.8748%	2,558
Total risk-based capital ratio	16.9613%	2,564
Memoranda:
Average total assets	$212,184,500	2,822
Average earning assets	$194,952,000	2,839
Average equity	$22,759,500	2,903
Average total loans	$142,131,750	2,771
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0323%	3,077
Cost of funding earning assets	0.4233%	2,867
Net interest margin	3.6090%	3,003
Noninterest income to average assets	0.4486%	3,362
Noninterest expense to average assets	2.2639%	4,437
Loan and lease loss provision to assets	0.2827%	560
Net operating income to assets	0.8490%	3,157
Return on assets (ROA)	0.8530%	3,193
Pretax return on assets	1.2347%	2,638
Return on Equity (ROE)	8.0059%	3,032
Retained earnings to average equity (ytd only)	4.9097%	2,768
Net charge-offs to loans	0.0365%	2,466
Credit loss provision to net charge-offs	1,153.8462%	349
Earnings coverage of net charge-offs (x)	61.6923%	933
Efficiency ratio	59.8103%	4,342
Assets per employee ($millions)	5.7168%	1,683
Cash dividends to net income (ytd only)*	38.6740%	2,388
Condition Ratios (%)
Loss allowance to loans	1.1067%	3,551
Loan loss allowance to noncurrent loans	122.1003%	3,189
Noncurrent assets plus other real estate owned to assets	0.6529%	2,595
Noncurrent loans to loans	0.9064%	2,159
Net loans and leases to total assets	65.8179%	3,133
Net loans and leases to deposits	78.9923%	3,021
Net loans and leases to core deposits	82.3563%	3,223
Total domestic deposits to total assets	83.3219%	3,461
Equity capital to assets	10.8560%	2,957
Core capital (leverage) ratio	10.7171%	2,685
Tier 1 risk-based capital ratio	15.7653%	2,595
Total risk-based capital ratio	16.9081%	2,576
Memoranda:
Average total assets	$212,204,330	2,836
Average earning assets	$195,622,330	2,852
Average equity	$22,608,330	2,921
Average total loans	$142,448,670	2,768
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9507%	3,202
Cost of funding earning assets	0.4063%	2,933
Net interest margin	3.5444%	3,103
Noninterest income to average assets	0.4234%	3,502
Noninterest expense to average assets	2.1831%	4,692
Loan and lease loss provision to assets	0.2823%	504
Net operating income to assets	0.8506%	2,991
Return on assets (ROA)	0.8506%	3,033
Pretax return on assets	1.2252%	2,492
Return on Equity (ROE)	8.0603%	2,893
Retained earnings to average equity (ytd only)	8.0603%	1,434
Net charge-offs to loans	0.0502%	1,856
Credit loss provision to net charge-offs	833.3333%	374
Earnings coverage of net charge-offs (x)	44.5000%	961
Efficiency ratio	58.9495%	4,595
Assets per employee ($millions)	5.6153%	1,796
Cash dividends to net income (ytd only)*	0.0000%	2,824
Condition Ratios (%)
Loss allowance to loans	0.9906%	4,344
Loan loss allowance to noncurrent loans	112.3810%	3,418
Noncurrent assets plus other real estate owned to assets	0.6397%	2,717
Noncurrent loans to loans	0.8815%	2,270
Net loans and leases to total assets	66.3252%	2,922
Net loans and leases to deposits	77.7936%	2,999
Net loans and leases to core deposits	80.9909%	3,197
Total domestic deposits to total assets	85.2579%	2,980
Equity capital to assets	10.6509%	3,014
Core capital (leverage) ratio	10.6517%	2,739
Tier 1 risk-based capital ratio	15.3672%	2,809
Total risk-based capital ratio	16.3897%	2,835
Memoranda:
Average total assets	$212,545,000	2,858
Average earning assets	$195,915,500	2,868
Average equity	$22,431,000	2,948
Average total loans	$143,284,000	2,772
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0033%	3,187
Cost of funding earning assets	0.4329%	2,683
Net interest margin	3.5704%	3,182
Noninterest income to average assets	0.4695%	3,412
Noninterest expense to average assets	2.3400%	4,454
Loan and lease loss provision to assets	0.3420%	507
Net operating income to assets	0.8123%	3,248
Return on assets (ROA)	0.8505%	3,176
Pretax return on assets	1.1138%	3,050
Return on Equity (ROE)	7.9131%	2,988
Retained earnings to average equity (ytd only)	-10.5629%	5,789
Net charge-offs to loans	0.5821%	396
Credit loss provision to net charge-offs	87.6095%	2,846
Earnings coverage of net charge-offs (x)	3.6008%	3,631
Efficiency ratio	62.3712%	4,189
Assets per employee ($millions)	5.5713%	1,809
Cash dividends to net income (ytd only)*	233.4865%	66
Condition Ratios (%)
Loss allowance to loans	0.8940%	4,802
Loan loss allowance to noncurrent loans	107.4477%	3,476
Noncurrent assets plus other real estate owned to assets	0.6141%	2,889
Noncurrent loans to loans	0.8320%	2,444
Net loans and leases to total assets	67.2351%	2,896
Net loans and leases to deposits	79.7233%	2,914
Net loans and leases to core deposits	83.2492%	3,102
Total domestic deposits to total assets	84.3355%	3,297
Equity capital to assets	10.4554%	3,204
Core capital (leverage) ratio	10.5493%	2,830
Tier 1 risk-based capital ratio	15.2244%	2,877
Total risk-based capital ratio	16.1663%	2,942
Memoranda:
Average total assets	$204,696,800	2,904
Average earning assets	$187,819,600	2,919
Average equity	$22,001,600	2,984
Average total loans	$137,251,800	2,811
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9914%	3,256
Cost of funding earning assets	0.4394%	2,646
Net interest margin	3.5520%	3,262
Noninterest income to average assets	0.4540%	3,531
Noninterest expense to average assets	2.3526%	4,404
Loan and lease loss provision to assets	0.3449%	462
Net operating income to assets	0.6743%	3,989
Return on assets (ROA)	0.7201%	3,877
Pretax return on assets	1.0801%	3,314
Return on Equity (ROE)	6.6519%	3,750
Retained earnings to average equity (ytd only)	-16.0773%	5,897
Net charge-offs to loans	0.3597%	625
Credit loss provision to net charge-offs	143.4426%	1,829
Earnings coverage of net charge-offs (x)	5.6420%	3,100
Efficiency ratio	63.3369%	4,024
Assets per employee ($millions)	5.9826%	1,444
Cash dividends to net income (ytd only)*	341.6964%	28
Condition Ratios (%)
Loss allowance to loans	1.1053%	3,803
Loan loss allowance to noncurrent loans	84.6238%	3,949
Noncurrent assets plus other real estate owned to assets	0.9231%	2,252
Noncurrent loans to loans	1.3062%	1,703
Net loans and leases to total assets	65.8440%	3,151
Net loans and leases to deposits	79.1740%	3,063
Net loans and leases to core deposits	82.1067%	3,274
Total domestic deposits to total assets	83.1636%	3,526
Equity capital to assets	10.6475%	3,411
Core capital (leverage) ratio	10.2833%	3,242
Tier 1 risk-based capital ratio	15.2958%	2,919
Total risk-based capital ratio	16.4436%	2,897
Memoranda:
Average total assets	$202,944,000	2,935
Average earning assets	$185,993,750	2,955
Average equity	$21,968,250	3,011
Average total loans	$135,658,250	2,845
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9568%	3,399
Cost of funding earning assets	0.4499%	2,567
Net interest margin	3.5069%	3,468
Noninterest income to average assets	0.4383%	3,609
Noninterest expense to average assets	2.3248%	4,540
Loan and lease loss provision to assets	0.1992%	1,081
Net operating income to assets	0.7676%	3,465
Return on assets (ROA)	0.8377%	3,279
Pretax return on assets	1.2411%	2,632
Return on Equity (ROE)	7.6947%	3,150
Retained earnings to average equity (ytd only)	-26.5699%	5,996
Net charge-offs to loans	0.3675%	629
Credit loss provision to net charge-offs	80.9717%	2,354
Earnings coverage of net charge-offs (x)	5.4291%	2,857
Efficiency ratio	63.4830%	4,105
Assets per employee ($millions)	5.8115%	1,538
Cash dividends to net income (ytd only)*	445.3032%	32
Condition Ratios (%)
Loss allowance to loans	0.9713%	4,662
Loan loss allowance to noncurrent loans	271.5447%	1,774
Noncurrent assets plus other real estate owned to assets	0.2809%	4,369
Noncurrent loans to loans	0.3577%	4,087
Net loans and leases to total assets	63.3441%	3,456
Net loans and leases to deposits	75.1015%	3,471
Net loans and leases to core deposits	78.9089%	3,561
Total domestic deposits to total assets	84.3448%	3,139
Equity capital to assets	10.2541%	3,912
Core capital (leverage) ratio	10.6503%	2,793
Tier 1 risk-based capital ratio	15.1114%	3,027
Total risk-based capital ratio	16.1121%	3,074
Memoranda:
Average total assets	$200,794,670	2,972
Average earning assets	$184,494,330	2,994
Average equity	$21,859,330	3,024
Average total loans	$134,406,670	2,861
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9973%	3,231
Cost of funding earning assets	0.4568%	2,510
Net interest margin	3.5404%	3,321
Noninterest income to average assets	0.4296%	3,621
Noninterest expense to average assets	2.3999%	4,375
Loan and lease loss provision to assets	0.2582%	669
Net operating income to assets	0.6995%	3,718
Return on assets (ROA)	0.8323%	3,212
Pretax return on assets	1.2350%	2,560
Return on Equity (ROE)	7.4066%	3,240
Retained earnings to average equity (ytd only)	5.5687%	2,604
Net charge-offs to loans	0.5089%	429
Credit loss provision to net charge-offs	73.9645%	1,879
Earnings coverage of net charge-offs (x)	3.7101%	2,508
Efficiency ratio	64.9525%	3,985
Assets per employee ($millions)	6.1025%	1,340
Cash dividends to net income (ytd only)*	24.8139%	2,478
Condition Ratios (%)
Loss allowance to loans	0.9945%	4,639
Loan loss allowance to noncurrent loans	165.1048%	2,569
Noncurrent assets plus other real estate owned to assets	0.4727%	3,707
Noncurrent loans to loans	0.6024%	3,372
Net loans and leases to total assets	68.2586%	2,615
Net loans and leases to deposits	81.8802%	2,558
Net loans and leases to core deposits	86.8050%	2,674
Total domestic deposits to total assets	83.3640%	3,766
Equity capital to assets	11.2351%	2,696
Core capital (leverage) ratio	11.2536%	2,185
Tier 1 risk-based capital ratio	15.6441%	2,848
Total risk-based capital ratio	16.6685%	2,902
Memoranda:
Average total assets	$193,678,500	3,062
Average earning assets	$178,621,500	3,065
Average equity	$21,764,500	3,043
Average total loans	$132,838,500	2,890
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0406%	3,156
Cost of funding earning assets	0.4266%	2,876
Net interest margin	3.6141%	3,081
Noninterest income to average assets	0.4826%	3,446
Noninterest expense to average assets	2.2868%	4,827
Loan and lease loss provision to assets	0.1176%	2,025
Net operating income to assets	0.9340%	2,690
Return on assets (ROA)	0.9379%	2,750
Pretax return on assets	1.4077%	1,871
Return on Equity (ROE)	8.2796%	2,808
Retained earnings to average equity (ytd only)	4.9300%	2,467
Net charge-offs to loans	0.1011%	2,401
Credit loss provision to net charge-offs	176.0000%	1,542
Earnings coverage of net charge-offs (x)	22.7440%	1,759
Efficiency ratio	60.0814%	4,899
Assets per employee ($millions)	6.1960%	1,259
Cash dividends to net income (ytd only)*	40.4558%	2,816
Condition Ratios (%)
Loss allowance to loans	1.0554%	4,285
Loan loss allowance to noncurrent loans	167.6364%	2,586
Noncurrent assets plus other real estate owned to assets	0.4295%	3,890
Noncurrent loans to loans	0.6296%	3,297
Net loans and leases to total assets	67.5040%	2,784
Net loans and leases to deposits	80.8691%	2,727
Net loans and leases to core deposits	86.1310%	2,784
Total domestic deposits to total assets	83.4732%	3,685
Equity capital to assets	11.2398%	2,604
Core capital (leverage) ratio	11.2411%	2,165
Tier 1 risk-based capital ratio	15.7485%	2,806
Total risk-based capital ratio	16.8265%	2,827
Memoranda:
Average total assets	$187,119,400	3,090
Average earning assets	$172,076,400	3,096
Average equity	$21,196,600	3,048
Average total loans	$123,632,200	2,997
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0305%	3,211
Cost of funding earning assets	0.4284%	2,927
Net interest margin	3.6021%	3,155
Noninterest income to average assets	0.4713%	3,559
Noninterest expense to average assets	2.2602%	4,885
Loan and lease loss provision to assets	0.1148%	1,970
Net operating income to assets	0.9623%	2,658
Return on assets (ROA)	0.9676%	2,715
Pretax return on assets	1.4152%	1,950
Return on Equity (ROE)	8.5249%	2,807
Retained earnings to average equity (ytd only)	5.9339%	2,288
Net charge-offs to loans	0.0942%	2,221
Credit loss provision to net charge-offs	186.0465%	1,423
Earnings coverage of net charge-offs (x)	24.6752%	1,686
Efficiency ratio	59.7573%	4,919
Assets per employee ($millions)	5.9669%	1,399
Cash dividends to net income (ytd only)*	30.3927%	2,795
Condition Ratios (%)
Loss allowance to loans	1.1083%	4,180
Loan loss allowance to noncurrent loans	182.4632%	2,434
Noncurrent assets plus other real estate owned to assets	0.4038%	4,159
Noncurrent loans to loans	0.6074%	3,496
Net loans and leases to total assets	65.7505%	3,053
Net loans and leases to deposits	79.3649%	2,951
Net loans and leases to core deposits	84.3724%	3,000
Total domestic deposits to total assets	82.8458%	3,866
Equity capital to assets	11.6605%	2,375
Core capital (leverage) ratio	11.4304%	2,098
Tier 1 risk-based capital ratio	16.4184%	2,617
Total risk-based capital ratio	17.5377%	2,627
Memoranda:
Average total assets	$185,880,250	3,128
Average earning assets	$170,858,250	3,132
Average equity	$21,098,500	3,085
Average total loans	$121,779,750	3,052
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9823%	3,368
Cost of funding earning assets	0.4303%	2,932
Net interest margin	3.5521%	3,278
Noninterest income to average assets	0.4447%	3,743
Noninterest expense to average assets	2.2602%	4,949
Loan and lease loss provision to assets	0.1074%	2,039
Net operating income to assets	0.9239%	2,764
Return on assets (ROA)	0.9313%	2,848
Pretax return on assets	1.3514%	2,181
Return on Equity (ROE)	8.2801%	2,898
Retained earnings to average equity (ytd only)	5.0808%	2,810
Net charge-offs to loans	0.1104%	1,894
Credit loss provision to net charge-offs	149.2537%	1,540
Earnings coverage of net charge-offs (x)	20.1194%	1,720
Efficiency ratio	60.9502%	4,834
Assets per employee ($millions)	5.9558%	1,392
Cash dividends to net income (ytd only)*	38.6390%	2,450
Condition Ratios (%)
Loss allowance to loans	1.0766%	4,458
Loan loss allowance to noncurrent loans	224.2784%	2,053
Noncurrent assets plus other real estate owned to assets	0.3266%	4,569
Noncurrent loans to loans	0.4800%	4,032
Net loans and leases to total assets	65.7432%	2,995
Net loans and leases to deposits	79.3687%	2,865
Net loans and leases to core deposits	84.2152%	2,964
Total domestic deposits to total assets	82.8326%	4,015
Equity capital to assets	11.4180%	2,484
Core capital (leverage) ratio	11.2152%	2,232
Tier 1 risk-based capital ratio	16.4098%	2,656
Total risk-based capital ratio	17.5159%	2,684
Memoranda:
Average total assets	$186,182,000	3,145
Average earning assets	$171,055,330	3,154
Average equity	$20,941,670	3,116
Average total loans	$121,378,000	3,064
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9086%	3,564
Cost of funding earning assets	0.4338%	2,936
Net interest margin	3.4749%	3,531
Noninterest income to average assets	0.4108%	3,916
Noninterest expense to average assets	2.2550%	4,986
Loan and lease loss provision to assets	0.0856%	2,265
Net operating income to assets	0.8772%	2,855
Return on assets (ROA)	0.8922%	2,905
Pretax return on assets	1.2794%	2,360
Return on Equity (ROE)	7.9916%	2,961
Retained earnings to average equity (ytd only)	7.9916%	1,578
Net charge-offs to loans	0.0497%	2,292
Credit loss provision to net charge-offs	266.6667%	887
Earnings coverage of net charge-offs (x)	41.8667%	948
Efficiency ratio	62.6635%	4,679
Assets per employee ($millions)	5.8444%	1,515
Cash dividends to net income (ytd only)*	0.0000%	2,870
Condition Ratios (%)
Loss allowance to loans	1.0935%	4,550
Loan loss allowance to noncurrent loans	219.1987%	2,063
Noncurrent assets plus other real estate owned to assets	0.3278%	4,676
Noncurrent loans to loans	0.4989%	4,081
Net loans and leases to total assets	63.4998%	3,160
Net loans and leases to deposits	76.7250%	2,965
Net loans and leases to core deposits	81.1516%	3,038
Total domestic deposits to total assets	82.7629%	4,248
Equity capital to assets	11.3068%	2,642
Core capital (leverage) ratio	11.1541%	2,261
Tier 1 risk-based capital ratio	17.5332%	2,284
Total risk-based capital ratio	18.7158%	2,270
Memoranda:
Average total assets	$186,958,500	3,155
Average earning assets	$171,517,500	3,161
Average equity	$20,872,000	3,145
Average total loans	$120,716,000	3,088
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8672%	4,260
Cost of funding earning assets	0.4494%	3,175
Net interest margin	3.4178%	4,122
Noninterest income to average assets	0.4676%	3,731
Noninterest expense to average assets	2.2186%	5,303
Loan and lease loss provision to assets	0.0831%	2,819
Net operating income to assets	0.9114%	2,821
Return on assets (ROA)	0.9326%	2,801
Pretax return on assets	1.3616%	2,034
Return on Equity (ROE)	8.6772%	2,742
Retained earnings to average equity (ytd only)	5.9328%	1,969
Net charge-offs to loans	0.1270%	2,758
Credit loss provision to net charge-offs	109.1549%	2,182
Earnings coverage of net charge-offs (x)	18.5634%	1,837
Efficiency ratio	61.0808%	5,051
Assets per employee ($millions)	5.8405%	1,497
Cash dividends to net income (ytd only)*	31.6274%	3,306
Condition Ratios (%)
Loss allowance to loans	1.0613%	4,759
Loan loss allowance to noncurrent loans	251.5625%	1,892
Noncurrent assets plus other real estate owned to assets	0.2814%	4,909
Noncurrent loans to loans	0.4219%	4,375
Net loans and leases to total assets	64.2459%	3,188
Net loans and leases to deposits	78.6961%	2,881
Net loans and leases to core deposits	83.8060%	2,918
Total domestic deposits to total assets	81.6379%	4,557
Equity capital to assets	11.0211%	2,874
Core capital (leverage) ratio	10.6737%	2,746
Tier 1 risk-based capital ratio	15.7378%	3,110
Total risk-based capital ratio	16.8157%	3,133
Memoranda:
Average total assets	$186,470,400	3,140
Average earning assets	$172,656,000	3,123
Average equity	$20,041,000	3,157
Average total loans	$111,849,600	3,184
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8115%	4,498
Cost of funding earning assets	0.4412%	3,357
Net interest margin	3.3703%	4,359
Noninterest income to average assets	0.4772%	3,707
Noninterest expense to average assets	2.1863%	5,383
Loan and lease loss provision to assets	0.0823%	2,705
Net operating income to assets	0.9286%	2,784
Return on assets (ROA)	0.9572%	2,730
Pretax return on assets	1.3815%	2,078
Return on Equity (ROE)	8.9638%	2,708
Retained earnings to average equity (ytd only)	7.2890%	1,677
Net charge-offs to loans	0.1681%	2,121
Credit loss provision to net charge-offs	83.3333%	2,531
Earnings coverage of net charge-offs (x)	14.4054%	2,146
Efficiency ratio	60.5868%	5,107
Assets per employee ($millions)	5.9626%	1,359
Cash dividends to net income (ytd only)*	18.6848%	3,260
Condition Ratios (%)
Loss allowance to loans	1.1098%	4,702
Loan loss allowance to noncurrent loans	136.5322%	2,941
Noncurrent assets plus other real estate owned to assets	0.5470%	4,217
Noncurrent loans to loans	0.8128%	3,547
Net loans and leases to total assets	60.3564%	3,726
Net loans and leases to deposits	74.2537%	3,402
Net loans and leases to core deposits	79.1206%	3,426
Total domestic deposits to total assets	81.2840%	4,739
Equity capital to assets	11.1062%	2,852
Core capital (leverage) ratio	10.7838%	2,711
Tier 1 risk-based capital ratio	16.8213%	2,680
Total risk-based capital ratio	17.9439%	2,687
Memoranda:
Average total assets	$186,364,000	3,176
Average earning assets	$173,156,250	3,149
Average equity	$19,901,750	3,180
Average total loans	$109,471,750	3,251
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7490%	4,699
Cost of funding earning assets	0.4456%	3,377
Net interest margin	3.3034%	4,573
Noninterest income to average assets	0.4613%	3,780
Noninterest expense to average assets	2.1576%	5,509
Loan and lease loss provision to assets	0.0642%	2,988
Net operating income to assets	0.9313%	2,645
Return on assets (ROA)	0.9579%	2,608
Pretax return on assets	1.3475%	2,092
Return on Equity (ROE)	9.0897%	2,549
Retained earnings to average equity (ytd only)	6.5507%	2,008
Net charge-offs to loans	0.1717%	2,020
Credit loss provision to net charge-offs	64.5161%	2,566
Earnings coverage of net charge-offs (x)	13.8065%	1,951
Efficiency ratio	61.0909%	5,133
Assets per employee ($millions)	6.1758%	1,187
Cash dividends to net income (ytd only)*	27.9330%	2,869
Condition Ratios (%)
Loss allowance to loans	1.1304%	4,766
Loan loss allowance to noncurrent loans	117.9487%	3,248
Noncurrent assets plus other real estate owned to assets	0.6466%	4,047
Noncurrent loans to loans	0.9584%	3,325
Net loans and leases to total assets	58.6337%	3,911
Net loans and leases to deposits	71.6213%	3,622
Net loans and leases to core deposits	76.1316%	3,615
Total domestic deposits to total assets	81.8663%	4,696
Equity capital to assets	10.8450%	3,030
Core capital (leverage) ratio	10.4626%	2,987
Tier 1 risk-based capital ratio	16.5211%	2,819
Total risk-based capital ratio	17.6419%	2,839
Memoranda:
Average total assets	$186,871,330	3,185
Average earning assets	$173,699,670	3,152
Average equity	$19,692,670	3,204
Average total loans	$108,357,000	3,279
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6687%	4,946
Cost of funding earning assets	0.4509%	3,422
Net interest margin	3.2178%	4,871
Noninterest income to average assets	0.4583%	3,724
Noninterest expense to average assets	2.1207%	5,642
Loan and lease loss provision to assets	0.0639%	2,844
Net operating income to assets	0.9139%	2,581
Return on assets (ROA)	0.9293%	2,582
Pretax return on assets	1.2916%	2,120
Return on Equity (ROE)	8.9470%	2,486
Retained earnings to average equity (ytd only)	8.9470%	1,263
Net charge-offs to loans	0.0818%	2,335
Credit loss provision to net charge-offs	136.3636%	1,328
Earnings coverage of net charge-offs (x)	28.4545%	1,084
Efficiency ratio	61.3819%	5,219
Assets per employee ($millions)	6.3650%	1,078
Cash dividends to net income (ytd only)*	0.0000%	2,852
Condition Ratios (%)
Loss allowance to loans	1.2128%	4,582
Loan loss allowance to noncurrent loans	114.0444%	3,313
Noncurrent assets plus other real estate owned to assets	0.6651%	4,126
Noncurrent loans to loans	1.0635%	3,299
Net loans and leases to total assets	54.7279%	4,318
Net loans and leases to deposits	68.6026%	3,781
Net loans and leases to core deposits	73.0841%	3,754
Total domestic deposits to total assets	79.7753%	5,530
Equity capital to assets	10.3666%	3,378
Core capital (leverage) ratio	10.3703%	3,094
Tier 1 risk-based capital ratio	17.0709%	2,658
Total risk-based capital ratio	18.2792%	2,629
Memoranda:
Average total assets	$187,670,000	3,193
Average earning assets	$174,775,500	3,162
Average equity	$19,492,500	3,225
Average total loans	$107,598,000	3,310
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9104%	4,422
Cost of funding earning assets	0.5412%	3,183
Net interest margin	3.3692%	4,405
Noninterest income to average assets	0.4926%	3,804
Noninterest expense to average assets	2.1506%	5,730
Loan and lease loss provision to assets	0.0417%	4,278
Net operating income to assets	0.9547%	2,545
Return on assets (ROA)	0.9596%	2,581
Pretax return on assets	1.4156%	1,731
Return on Equity (ROE)	9.0721%	2,502
Retained earnings to average equity (ytd only)	5.9184%	2,016
Net charge-offs to loans	0.1522%	3,282
Credit loss provision to net charge-offs	47.4684%	3,877
Earnings coverage of net charge-offs (x)	16.5063%	1,797
Efficiency ratio	59.7282%	5,504
Assets per employee ($millions)	6.1463%	1,174
Cash dividends to net income (ytd only)*	34.7625%	3,062
Condition Ratios (%)
Loss allowance to loans	1.1653%	4,832
Loan loss allowance to noncurrent loans	110.1988%	3,361
Noncurrent assets plus other real estate owned to assets	0.6410%	4,314
Noncurrent loans to loans	1.0575%	3,398
Net loans and leases to total assets	58.6447%	3,927
Net loans and leases to deposits	73.4139%	3,344
Net loans and leases to core deposits	78.6379%	3,287
Total domestic deposits to total assets	79.8823%	5,470
Equity capital to assets	10.4073%	3,277
Core capital (leverage) ratio	10.5049%	2,914
Tier 1 risk-based capital ratio	16.6866%	2,766
Total risk-based capital ratio	17.8680%	2,756
Memoranda:
Average total assets	$179,858,800	3,274
Average earning assets	$165,914,800	3,269
Average equity	$19,025,400	3,276
Average total loans	$103,777,200	3,370
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9360%	4,365
Cost of funding earning assets	0.5609%	3,159
Net interest margin	3.3751%	4,383
Noninterest income to average assets	0.4879%	3,889
Noninterest expense to average assets	2.1582%	5,705
Loan and lease loss provision to assets	0.0560%	3,935
Net operating income to assets	0.9949%	2,393
Return on assets (ROA)	0.9982%	2,472
Pretax return on assets	1.3801%	1,994
Return on Equity (ROE)	9.3971%	2,444
Retained earnings to average equity (ytd only)	6.7633%	1,994
Net charge-offs to loans	0.0860%	3,723
Credit loss provision to net charge-offs	113.6364%	2,070
Earnings coverage of net charge-offs (x)	29.0750%	1,266
Efficiency ratio	60.1205%	5,414
Assets per employee ($millions)	6.0017%	1,240
Cash dividends to net income (ytd only)*	28.0270%	2,763
Condition Ratios (%)
Loss allowance to loans	1.3269%	4,260
Loan loss allowance to noncurrent loans	136.5269%	2,733
Noncurrent assets plus other real estate owned to assets	0.5648%	4,754
Noncurrent loans to loans	0.9719%	3,866
Net loans and leases to total assets	56.4992%	4,246
Net loans and leases to deposits	69.6214%	3,833
Net loans and leases to core deposits	74.4736%	3,788
Total domestic deposits to total assets	81.1521%	5,178
Equity capital to assets	10.6236%	3,138
Core capital (leverage) ratio	10.6633%	2,825
Tier 1 risk-based capital ratio	17.2968%	2,586
Total risk-based capital ratio	18.5476%	2,555
Memoranda:
Average total assets	$178,726,000	3,314
Average earning assets	$164,255,750	3,317
Average equity	$18,984,250	3,317
Average total loans	$102,369,000	3,419
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9572%	4,274
Cost of funding earning assets	0.5830%	3,100
Net interest margin	3.3742%	4,290
Noninterest income to average assets	0.4947%	3,871
Noninterest expense to average assets	2.1785%	5,684
Loan and lease loss provision to assets	0.0841%	3,391
Net operating income to assets	0.9521%	2,564
Return on assets (ROA)	0.9569%	2,679
Pretax return on assets	1.3293%	2,194
Return on Equity (ROE)	9.0091%	2,602
Retained earnings to average equity (ytd only)	5.0485%	3,024
Net charge-offs to loans	0.0059%	4,775
Credit loss provision to net charge-offs	2,500.0000%	135
Earnings coverage of net charge-offs (x)	418.0000%	119
Efficiency ratio	60.7635%	5,369
Assets per employee ($millions)	5.9031%	1,277
Cash dividends to net income (ytd only)*	43.9625%	2,106
Condition Ratios (%)
Loss allowance to loans	1.4226%	3,934
Loan loss allowance to noncurrent loans	118.1818%	3,043
Noncurrent assets plus other real estate owned to assets	0.6833%	4,514
Noncurrent loans to loans	1.2038%	3,548
Net loans and leases to total assets	55.9531%	4,300
Net loans and leases to deposits	66.9525%	4,156
Net loans and leases to core deposits	71.6189%	4,090
Total domestic deposits to total assets	83.5713%	4,487
Equity capital to assets	10.6520%	3,114
Core capital (leverage) ratio	10.3472%	3,048
Tier 1 risk-based capital ratio	17.0195%	2,708
Total risk-based capital ratio	18.2712%	2,678
Memoranda:
Average total assets	$178,284,000	3,335
Average earning assets	$163,296,670	3,343
Average equity	$18,936,330	3,340
Average total loans	$102,126,670	3,434
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0078%	4,091
Cost of funding earning assets	0.6062%	3,052
Net interest margin	3.4016%	4,106
Noninterest income to average assets	0.4226%	4,297
Noninterest expense to average assets	2.2384%	5,591
Loan and lease loss provision to assets	0.0827%	3,273
Net operating income to assets	0.8514%	2,898
Return on assets (ROA)	0.8609%	2,991
Pretax return on assets	1.2142%	2,520
Return on Equity (ROE)	8.1170%	2,912
Retained earnings to average equity (ytd only)	8.1170%	1,708
Net charge-offs to loans	-0.1049%	6,468
Credit loss provision to net charge-offs	-137.0370%	5,192
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	63.5556%	5,075
Assets per employee ($millions)	6.0663%	1,211
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	1.3922%	4,278
Loan loss allowance to noncurrent loans	135.2662%	2,604
Noncurrent assets plus other real estate owned to assets	0.6385%	4,780
Noncurrent loans to loans	1.0292%	4,080
Net loans and leases to total assets	55.3822%	4,188
Net loans and leases to deposits	66.4038%	4,001
Net loans and leases to core deposits	70.6107%	3,993
Total domestic deposits to total assets	83.4022%	4,711
Equity capital to assets	10.5139%	3,525
Core capital (leverage) ratio	10.4332%	2,864
Tier 1 risk-based capital ratio	16.9459%	2,774
Total risk-based capital ratio	18.1974%	2,750
Memoranda:
Average total assets	$178,879,500	3,358
Average earning assets	$162,984,000	3,388
Average equity	$18,972,500	3,382
Average total loans	$102,930,500	3,439
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2900%	4,224
Cost of funding earning assets	0.7681%	2,935
Net interest margin	3.5219%	4,408
Noninterest income to average assets	0.5106%	3,828
Noninterest expense to average assets	2.1802%	5,966
Loan and lease loss provision to assets	0.1767%	3,416
Net operating income to assets	1.0082%	2,303
Return on assets (ROA)	1.0371%	2,378
Pretax return on assets	1.4534%	1,840
Return on Equity (ROE)	9.6149%	2,355
Retained earnings to average equity (ytd only)	6.8849%	1,623
Net charge-offs to loans	0.2311%	3,550
Credit loss provision to net charge-offs	128.7554%	2,186
Earnings coverage of net charge-offs (x)	11.5837%	2,013
Efficiency ratio	57.8347%	5,855
Assets per employee ($millions)	5.6700%	1,549
Cash dividends to net income (ytd only)*	28.3930%	3,449
Condition Ratios (%)
Loss allowance to loans	1.3112%	4,583
Loan loss allowance to noncurrent loans	141.4152%	2,490
Noncurrent assets plus other real estate owned to assets	0.6378%	4,875
Noncurrent loans to loans	0.9272%	4,337
Net loans and leases to total assets	58.1950%	3,943
Net loans and leases to deposits	70.2151%	3,679
Net loans and leases to core deposits	74.6185%	3,704
Total domestic deposits to total assets	82.8811%	4,769
Equity capital to assets	10.7020%	3,281
Core capital (leverage) ratio	10.4543%	2,823
Tier 1 risk-based capital ratio	16.7652%	2,762
Total risk-based capital ratio	18.0168%	2,729
Memoranda:
Average total assets	$169,803,800	3,456
Average earning assets	$157,132,800	3,414
Average equity	$18,315,400	3,430
Average total loans	$100,833,000	3,499
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3213%	4,365
Cost of funding earning assets	0.7984%	2,957
Net interest margin	3.5229%	4,552
Noninterest income to average assets	0.5046%	3,896
Noninterest expense to average assets	2.1404%	6,082
Loan and lease loss provision to assets	0.1782%	3,357
Net operating income to assets	1.0343%	2,348
Return on assets (ROA)	1.0726%	2,407
Pretax return on assets	1.5297%	1,782
Return on Equity (ROE)	9.9238%	2,377
Retained earnings to average equity (ytd only)	8.0915%	1,583
Net charge-offs to loans	0.1478%	3,924
Credit loss provision to net charge-offs	202.7027%	1,362
Earnings coverage of net charge-offs (x)	18.8014%	1,532
Efficiency ratio	56.4210%	6,001
Assets per employee ($millions)	5.6647%	1,486
Cash dividends to net income (ytd only)*	18.4641%	3,116
Condition Ratios (%)
Loss allowance to loans	1.4163%	4,304
Loan loss allowance to noncurrent loans	164.4444%	2,104
Noncurrent assets plus other real estate owned to assets	0.6226%	5,111
Noncurrent loans to loans	0.8613%	4,695
Net loans and leases to total assets	57.5879%	4,194
Net loans and leases to deposits	70.2011%	3,869
Net loans and leases to core deposits	75.0092%	3,849
Total domestic deposits to total assets	82.0327%	5,012
Equity capital to assets	11.0302%	3,237
Core capital (leverage) ratio	10.6488%	2,758
Tier 1 risk-based capital ratio	17.1006%	2,690
Total risk-based capital ratio	18.3531%	2,641
Memoranda:
Average total assets	$168,312,000	3,518
Average earning assets	$157,141,000	3,463
Average equity	$18,191,500	3,477
Average total loans	$100,129,000	3,553
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3250%	4,474
Cost of funding earning assets	0.8246%	2,994
Net interest margin	3.5004%	4,668
Noninterest income to average assets	0.4566%	4,244
Noninterest expense to average assets	2.0516%	6,330
Loan and lease loss provision to assets	0.1788%	3,306
Net operating income to assets	1.0538%	2,230
Return on assets (ROA)	1.0538%	2,462
Pretax return on assets	1.5104%	1,822
Return on Equity (ROE)	9.8184%	2,434
Retained earnings to average equity (ytd only)	7.0417%	2,078
Net charge-offs to loans	0.2231%	3,238
Credit loss provision to net charge-offs	133.9286%	2,050
Earnings coverage of net charge-offs (x)	12.6518%	1,854
Efficiency ratio	54.8438%	6,241
Assets per employee ($millions)	5.8155%	1,360
Cash dividends to net income (ytd only)*	28.2805%	2,687
Condition Ratios (%)
Loss allowance to loans	1.3588%	4,624
Loan loss allowance to noncurrent loans	199.4003%	1,715
Noncurrent assets plus other real estate owned to assets	0.5123%	5,482
Noncurrent loans to loans	0.6815%	5,142
Net loans and leases to total assets	57.2481%	4,290
Net loans and leases to deposits	70.1221%	3,874
Net loans and leases to core deposits	74.7955%	3,920
Total domestic deposits to total assets	81.6407%	5,249
Equity capital to assets	10.8242%	3,314
Core capital (leverage) ratio	10.3447%	2,992
Tier 1 risk-based capital ratio	17.1268%	2,616
Total risk-based capital ratio	18.3787%	2,574
Memoranda:
Average total assets	$167,768,670	3,538
Average earning assets	$157,408,670	3,473
Average equity	$18,007,000	3,497
Average total loans	$100,414,670	3,560
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3501%	4,522
Cost of funding earning assets	0.8568%	3,016
Net interest margin	3.4933%	4,738
Noninterest income to average assets	0.4638%	4,195
Noninterest expense to average assets	2.0319%	6,405
Loan and lease loss provision to assets	0.1793%	3,178
Net operating income to assets	1.0925%	2,126
Return on assets (ROA)	1.0925%	2,314
Pretax return on assets	1.5371%	1,777
Return on Equity (ROE)	10.2220%	2,322
Retained earnings to average equity (ytd only)	10.2220%	1,209
Net charge-offs to loans	0.5153%	1,804
Credit loss provision to net charge-offs	57.2519%	3,165
Earnings coverage of net charge-offs (x)	5.4809%	2,361
Efficiency ratio	54.2092%	6,327
Assets per employee ($millions)	5.8302%	1,399
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	1.2477%	5,257
Loan loss allowance to noncurrent loans	210.9215%	1,570
Noncurrent assets plus other real estate owned to assets	0.4631%	5,699
Noncurrent loans to loans	0.5916%	5,479
Net loans and leases to total assets	57.8578%	4,057
Net loans and leases to deposits	70.9922%	3,592
Net loans and leases to core deposits	75.1248%	3,729
Total domestic deposits to total assets	81.4987%	5,464
Equity capital to assets	10.7272%	3,230
Core capital (leverage) ratio	10.2926%	3,003
Tier 1 risk-based capital ratio	17.1522%	2,622
Total risk-based capital ratio	18.4029%	2,586
Memoranda:
Average total assets	$167,328,000	3,564
Average earning assets	$157,328,500	3,482
Average equity	$17,883,000	3,521
Average total loans	$101,682,500	3,549
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7050%	4,224
Cost of funding earning assets	0.9896%	3,454
Net interest margin	3.7154%	4,229
Noninterest income to average assets	0.4323%	4,359
Noninterest expense to average assets	2.1206%	6,448
Loan and lease loss provision to assets	0.2937%	3,312
Net operating income to assets	1.0353%	2,063
Return on assets (ROA)	1.0657%	2,078
Pretax return on assets	1.5504%	1,340
Return on Equity (ROE)	9.9313%	2,084
Retained earnings to average equity (ytd only)	7.1941%	1,410
Net charge-offs to loans	0.2796%	4,024
Credit loss provision to net charge-offs	166.0650%	1,630
Earnings coverage of net charge-offs (x)	10.1769%	1,875
Efficiency ratio	54.0879%	6,508
Assets per employee ($millions)	5.7097%	1,430
Cash dividends to net income (ytd only)*	27.5614%	3,221
Condition Ratios (%)
Loss allowance to loans	1.2387%	5,232
Loan loss allowance to noncurrent loans	229.0780%	1,452
Noncurrent assets plus other real estate owned to assets	0.4717%	5,782
Noncurrent loans to loans	0.5407%	5,633
Net loans and leases to total assets	62.2137%	3,559
Net loans and leases to deposits	76.7667%	3,046
Net loans and leases to core deposits	80.5665%	3,377
Total domestic deposits to total assets	81.0425%	5,430
Equity capital to assets	10.6468%	3,363
Core capital (leverage) ratio	10.3584%	2,897
Tier 1 risk-based capital ratio	16.0506%	3,018
Total risk-based capital ratio	17.2710%	2,990
Memoranda:
Average total assets	$156,607,000	3,684
Average earning assets	$147,036,200	3,623
Average equity	$16,805,400	3,607
Average total loans	$99,072,800	3,641
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7510%	4,219
Cost of funding earning assets	1.0133%	3,587
Net interest margin	3.7376%	4,173
Noninterest income to average assets	0.4543%	4,264
Noninterest expense to average assets	2.1421%	6,424
Loan and lease loss provision to assets	0.3109%	3,038
Net operating income to assets	1.0272%	2,225
Return on assets (ROA)	1.0607%	2,246
Pretax return on assets	1.5582%	1,492
Return on Equity (ROE)	9.8635%	2,244
Retained earnings to average equity (ytd only)	7.9358%	1,527
Net charge-offs to loans	0.2755%	3,706
Credit loss provision to net charge-offs	178.2178%	1,673
Earnings coverage of net charge-offs (x)	10.4305%	1,917
Efficiency ratio	54.0658%	6,478
Assets per employee ($millions)	5.6509%	1,464
Cash dividends to net income (ytd only)*	19.5439%	2,948
Condition Ratios (%)
Loss allowance to loans	1.2839%	5,082
Loan loss allowance to noncurrent loans	183.2370%	1,669
Noncurrent assets plus other real estate owned to assets	0.6206%	5,583
Noncurrent loans to loans	0.7007%	5,482
Net loans and leases to total assets	61.6176%	3,813
Net loans and leases to deposits	76.1049%	3,314
Net loans and leases to core deposits	81.3183%	3,435
Total domestic deposits to total assets	80.9639%	5,446
Equity capital to assets	10.9982%	3,150
Core capital (leverage) ratio	10.4678%	2,905
Tier 1 risk-based capital ratio	16.8350%	2,702
Total risk-based capital ratio	18.0863%	2,677
Memoranda:
Average total assets	$154,363,500	3,752
Average earning assets	$144,864,750	3,684
Average equity	$16,599,500	3,644
Average total loans	$97,764,500	3,708
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7047%	4,512
Cost of funding earning assets	1.0266%	3,768
Net interest margin	3.6781%	4,367
Noninterest income to average assets	0.4351%	4,386
Noninterest expense to average assets	2.1401%	6,520
Loan and lease loss provision to assets	0.2744%	3,194
Net operating income to assets	1.0303%	2,104
Return on assets (ROA)	1.0505%	2,133
Pretax return on assets	1.5038%	1,521
Return on Equity (ROE)	9.8457%	2,173
Retained earnings to average equity (ytd only)	6.9067%	1,920
Net charge-offs to loans	0.2525%	3,620
Credit loss provision to net charge-offs	170.7317%	1,771
Earnings coverage of net charge-offs (x)	10.8862%	1,758
Efficiency ratio	55.0218%	6,505
Assets per employee ($millions)	5.6307%	1,458
Cash dividends to net income (ytd only)*	29.8507%	2,484
Condition Ratios (%)
Loss allowance to loans	1.2211%	5,457
Loan loss allowance to noncurrent loans	363.8298%	878
Noncurrent assets plus other real estate owned to assets	0.3768%	6,187
Noncurrent loans to loans	0.3356%	6,244
Net loans and leases to total assets	61.4182%	4,006
Net loans and leases to deposits	75.0903%	3,634
Net loans and leases to core deposits	79.9828%	3,788
Total domestic deposits to total assets	81.7925%	5,241
Equity capital to assets	10.6394%	3,344
Core capital (leverage) ratio	10.4514%	2,762
Tier 1 risk-based capital ratio	16.7903%	2,612
Total risk-based capital ratio	18.0410%	2,571
Memoranda:
Average total assets	$153,076,000	3,799
Average earning assets	$143,770,670	3,727
Average equity	$16,332,000	3,676
Average total loans	$97,431,670	3,752
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6744%	4,632
Cost of funding earning assets	1.0369%	3,941
Net interest margin	3.6375%	4,382
Noninterest income to average assets	0.4377%	4,384
Noninterest expense to average assets	2.1753%	6,473
Loan and lease loss provision to assets	0.2785%	2,925
Net operating income to assets	1.0148%	2,137
Return on assets (ROA)	1.0638%	2,017
Pretax return on assets	1.4962%	1,460
Return on Equity (ROE)	9.9559%	2,117
Retained earnings to average equity (ytd only)	9.9559%	1,126
Net charge-offs to loans	0.2059%	3,276
Credit loss provision to net charge-offs	210.0000%	1,424
Earnings coverage of net charge-offs (x)	12.8600%	1,475
Efficiency ratio	56.0492%	6,501
Assets per employee ($millions)	5.6259%	1,472
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	1.2198%	5,528
Loan loss allowance to noncurrent loans	224.9035%	1,333
Noncurrent assets plus other real estate owned to assets	0.4628%	6,059
Noncurrent loans to loans	0.5424%	5,941
Net loans and leases to total assets	62.1060%	3,834
Net loans and leases to deposits	75.2461%	3,546
Net loans and leases to core deposits	80.3487%	3,697
Total domestic deposits to total assets	82.5372%	5,095
Equity capital to assets	10.7610%	2,912
Core capital (leverage) ratio	10.5849%	2,520
Tier 1 risk-based capital ratio	16.4134%	2,703
Total risk-based capital ratio	17.6637%	2,675
Memoranda:
Average total assets	$150,784,000	3,867
Average earning assets	$142,734,000	3,776
Average equity	$16,111,000	3,705
Average total loans	$97,133,000	3,805
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0877%	4,147
Cost of funding earning assets	1.2369%	4,311
Net interest margin	3.8508%	3,729
Noninterest income to average assets	0.4896%	4,248
Noninterest expense to average assets	2.2950%	6,372
Loan and lease loss provision to assets	0.3329%	4,156
Net operating income to assets	1.0108%	2,001
Return on assets (ROA)	1.0294%	2,042
Pretax return on assets	1.4696%	1,453
Return on Equity (ROE)	9.1998%	2,220
Retained earnings to average equity (ytd only)	6.1609%	1,741
Net charge-offs to loans	0.4402%	3,855
Credit loss provision to net charge-offs	111.5108%	3,933
Earnings coverage of net charge-offs (x)	5.9496%	2,486
Efficiency ratio	56.3742%	6,548
Assets per employee ($millions)	5.3453%	1,720
Cash dividends to net income (ytd only)*	33.0320%	2,907
Condition Ratios (%)
Loss allowance to loans	1.1239%	5,853
Loan loss allowance to noncurrent loans	258.1395%	1,194
Noncurrent assets plus other real estate owned to assets	0.3214%	6,441
Noncurrent loans to loans	0.4354%	6,172
Net loans and leases to total assets	65.2457%	3,609
Net loans and leases to deposits	78.4631%	3,438
Net loans and leases to core deposits	83.3599%	3,691
Total domestic deposits to total assets	83.1547%	4,732
Equity capital to assets	10.6075%	3,060
Core capital (leverage) ratio	10.4871%	2,571
Tier 1 risk-based capital ratio	15.4838%	3,004
Total risk-based capital ratio	16.6688%	2,996
Memoranda:
Average total assets	$139,698,000	4,058
Average earning assets	$129,921,600	4,019
Average equity	$15,630,800	3,834
Average total loans	$94,737,400	3,934
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1786%	3,945
Cost of funding earning assets	1.2805%	4,369
Net interest margin	3.8981%	3,534
Noninterest income to average assets	0.4868%	4,288
Noninterest expense to average assets	2.3157%	6,273
Loan and lease loss provision to assets	0.3547%	3,776
Net operating income to assets	1.0104%	2,200
Return on assets (ROA)	1.0359%	2,223
Pretax return on assets	1.4615%	1,719
Return on Equity (ROE)	9.1287%	2,445
Retained earnings to average equity (ytd only)	6.9878%	1,855
Net charge-offs to loans	0.3499%	3,906
Credit loss provision to net charge-offs	148.3740%	2,635
Earnings coverage of net charge-offs (x)	7.4472%	2,328
Efficiency ratio	56.5362%	6,484
Assets per employee ($millions)	5.1681%	1,982
Cash dividends to net income (ytd only)*	23.4525%	2,818
Condition Ratios (%)
Loss allowance to loans	1.2642%	5,144
Loan loss allowance to noncurrent loans	226.2452%	1,291
Noncurrent assets plus other real estate owned to assets	0.4084%	6,401
Noncurrent loans to loans	0.5588%	6,086
Net loans and leases to total assets	63.7391%	4,176
Net loans and leases to deposits	77.4453%	3,933
Net loans and leases to core deposits	82.4793%	4,167
Total domestic deposits to total assets	82.3022%	4,872
Equity capital to assets	11.1854%	2,784
Core capital (leverage) ratio	11.0187%	2,246
Tier 1 risk-based capital ratio	12.8074%	4,729
Total risk-based capital ratio	13.8557%	4,864
Memoranda:
Average total assets	$137,205,500	4,160
Average earning assets	$127,033,000	4,135
Average equity	$15,569,500	3,885
Average total loans	$93,731,250	4,027
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1791%	4,050
Cost of funding earning assets	1.2904%	4,592
Net interest margin	3.8887%	3,499
Noninterest income to average assets	0.4588%	4,446
Noninterest expense to average assets	2.3236%	6,292
Loan and lease loss provision to assets	0.4306%	3,167
Net operating income to assets	0.9331%	2,428
Return on assets (ROA)	0.9710%	2,376
Pretax return on assets	1.4060%	1,824
Return on Equity (ROE)	8.5134%	2,660
Retained earnings to average equity (ytd only)	5.2590%	2,745
Net charge-offs to loans	0.3218%	3,715
Credit loss provision to net charge-offs	192.0530%	2,051
Earnings coverage of net charge-offs (x)	7.9470%	2,212
Efficiency ratio	56.6004%	6,560
Assets per employee ($millions)	4.8813%	2,323
Cash dividends to net income (ytd only)*	38.2263%	2,163
Condition Ratios (%)
Loss allowance to loans	1.2772%	5,049
Loan loss allowance to noncurrent loans	478.4861%	678
Noncurrent assets plus other real estate owned to assets	0.2341%	6,810
Noncurrent loans to loans	0.2669%	6,698
Net loans and leases to total assets	67.9200%	3,382
Net loans and leases to deposits	83.4796%	2,978
Net loans and leases to core deposits	87.6120%	3,599
Total domestic deposits to total assets	81.3612%	5,263
Equity capital to assets	11.3552%	2,553
Core capital (leverage) ratio	11.0493%	2,202
Tier 1 risk-based capital ratio	16.2278%	2,582
Total risk-based capital ratio	17.4792%	2,534
Memoranda:
Average total assets	$134,705,000	4,250
Average earning assets	$126,315,670	4,175
Average equity	$15,364,000	3,920
Average total loans	$93,836,330	4,062
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1259%	4,413
Cost of funding earning assets	1.2807%	4,923
Net interest margin	3.8452%	3,594
Noninterest income to average assets	0.4577%	4,398
Noninterest expense to average assets	2.2944%	6,394
Loan and lease loss provision to assets	0.4188%	2,860
Net operating income to assets	0.9733%	2,291
Return on assets (ROA)	1.0530%	2,056
Pretax return on assets	1.4658%	1,606
Return on Equity (ROE)	9.2110%	2,424
Retained earnings to average equity (ytd only)	9.2110%	1,343
Net charge-offs to loans	0.3883%	2,880
Credit loss provision to net charge-offs	153.8462%	2,328
Earnings coverage of net charge-offs (x)	6.5165%	2,209
Efficiency ratio	56.3971%	6,714
Assets per employee ($millions)	4.9947%	2,238
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	1.1936%	5,533
Loan loss allowance to noncurrent loans	451.2195%	706
Noncurrent assets plus other real estate owned to assets	0.2395%	6,860
Noncurrent loans to loans	0.2645%	6,793
Net loans and leases to total assets	68.1381%	3,354
Net loans and leases to deposits	85.0029%	2,764
Net loans and leases to core deposits	89.5151%	3,428
Total domestic deposits to total assets	80.1597%	5,734
Equity capital to assets	11.4195%	2,427
Core capital (leverage) ratio	11.1477%	2,131
Tier 1 risk-based capital ratio	15.9053%	2,687
Total risk-based capital ratio	17.1552%	2,631
Memoranda:
Average total assets	$133,719,000	4,330
Average earning assets	$125,558,500	4,248
Average equity	$15,286,000	3,963
Average total loans	$93,738,500	4,128
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5733%	3,740
Cost of funding earning assets	1.5584%	5,236
Net interest margin	4.0150%	2,809
Noninterest income to average assets	0.4333%	4,925
Noninterest expense to average assets	2.4859%	6,187
Loan and lease loss provision to assets	0.3005%	5,028
Net operating income to assets	1.0151%	1,789
Return on assets (ROA)	1.0168%	1,831
Pretax return on assets	1.4098%	1,410
Return on Equity (ROE)	8.7549%	2,101
Retained earnings to average equity (ytd only)	5.6913%	1,479
Net charge-offs to loans	0.2689%	4,938
Credit loss provision to net charge-offs	163.0901%	2,693
Earnings coverage of net charge-offs (x)	9.2704%	1,824
Efficiency ratio	59.2760%	6,585
Assets per employee ($millions)	4.5718%	2,806
Cash dividends to net income (ytd only)*	34.9922%	3,125
Condition Ratios (%)
Loss allowance to loans	1.1241%	5,784
Loan loss allowance to noncurrent loans	188.2979%	1,571
Noncurrent assets plus other real estate owned to assets	0.4405%	6,356
Noncurrent loans to loans	0.5970%	6,046
Net loans and leases to total assets	70.4596%	3,141
Net loans and leases to deposits	87.9317%	2,565
Net loans and leases to core deposits	109.1359%	2,987
Total domestic deposits to total assets	80.1299%	5,639
Equity capital to assets	11.4436%	2,360
Core capital (leverage) ratio	11.2185%	2,090
Tier 1 risk-based capital ratio	15.4994%	2,716
Total risk-based capital ratio	16.7129%	2,687
Memoranda:
Average total assets	$126,474,400	4,414
Average earning assets	$118,456,800	4,343
Average equity	$14,689,000	4,116
Average total loans	$86,646,200	4,309
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6186%	3,752
Cost of funding earning assets	1.6393%	5,205
Net interest margin	3.9793%	2,897
Noninterest income to average assets	0.4524%	4,884
Noninterest expense to average assets	2.4212%	6,348
Loan and lease loss provision to assets	0.3095%	4,494
Net operating income to assets	1.0682%	1,836
Return on assets (ROA)	1.0682%	1,885
Pretax return on assets	1.4491%	1,564
Return on Equity (ROE)	9.1612%	2,205
Retained earnings to average equity (ytd only)	7.1020%	1,461
Net charge-offs to loans	0.2503%	4,486
Credit loss provision to net charge-offs	182.3899%	2,504
Earnings coverage of net charge-offs (x)	10.3650%	1,969
Efficiency ratio	57.9270%	6,723
Assets per employee ($millions)	4.3901%	3,053
Cash dividends to net income (ytd only)*	22.4774%	3,159
Condition Ratios (%)
Loss allowance to loans	1.2168%	5,022
Loan loss allowance to noncurrent loans	254.5012%	1,172
Noncurrent assets plus other real estate owned to assets	0.3550%	6,596
Noncurrent loans to loans	0.4781%	6,363
Net loans and leases to total assets	66.7012%	4,257
Net loans and leases to deposits	83.3644%	3,761
Net loans and leases to core deposits	103.6862%	3,976
Total domestic deposits to total assets	80.0116%	5,429
Equity capital to assets	11.8683%	2,312
Core capital (leverage) ratio	11.7335%	1,945
Tier 1 risk-based capital ratio	17.0036%	2,275
Total risk-based capital ratio	18.2541%	2,221
Memoranda:
Average total assets	$124,947,750	4,478
Average earning assets	$117,036,250	4,406
Average equity	$14,568,250	4,177
Average total loans	$84,688,250	4,403
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6933%	3,580
Cost of funding earning assets	1.7229%	5,161
Net interest margin	3.9703%	2,826
Noninterest income to average assets	0.4075%	5,219
Noninterest expense to average assets	2.3373%	6,652
Loan and lease loss provision to assets	0.2900%	4,256
Net operating income to assets	1.1195%	1,704
Return on assets (ROA)	1.1195%	1,786
Pretax return on assets	1.4997%	1,441
Return on Equity (ROE)	9.6611%	2,148
Retained earnings to average equity (ytd only)	6.5334%	1,781
Net charge-offs to loans	0.2302%	4,060
Credit loss provision to net charge-offs	185.5670%	2,468
Earnings coverage of net charge-offs (x)	11.4536%	1,901
Efficiency ratio	56.6354%	7,032
Assets per employee ($millions)	4.2124%	3,274
Cash dividends to net income (ytd only)*	32.3741%	2,753
Condition Ratios (%)
Loss allowance to loans	1.1966%	4,974
Loan loss allowance to noncurrent loans	173.5652%	1,721
Noncurrent assets plus other real estate owned to assets	0.5509%	6,043
Noncurrent loans to loans	0.6894%	5,869
Net loans and leases to total assets	67.4583%	4,262
Net loans and leases to deposits	82.6458%	4,113
Net loans and leases to core deposits	106.6219%	3,763
Total domestic deposits to total assets	81.6233%	4,849
Equity capital to assets	11.9638%	2,226
Core capital (leverage) ratio	11.5569%	2,056
Tier 1 risk-based capital ratio	17.2322%	2,225
Total risk-based capital ratio	18.4832%	2,163
Memoranda:
Average total assets	$124,159,000	4,525
Average earning assets	$116,312,330	4,454
Average equity	$14,387,670	4,221
Average total loans	$84,262,330	4,450
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7569%	3,496
Cost of funding earning assets	1.7937%	5,137
Net interest margin	3.9632%	2,802
Noninterest income to average assets	0.3707%	5,456
Noninterest expense to average assets	2.2436%	6,715
Loan and lease loss provision to assets	0.2876%	3,656
Net operating income to assets	1.1218%	1,893
Return on assets (ROA)	1.1218%	2,015
Pretax return on assets	1.5468%	1,540
Return on Equity (ROE)	9.8361%	2,381
Retained earnings to average equity (ytd only)	9.8361%	1,236
Net charge-offs to loans	0.4251%	2,398
Credit loss provision to net charge-offs	100.0000%	3,714
Earnings coverage of net charge-offs (x)	6.3778%	2,507
Efficiency ratio	55.0157%	7,101
Assets per employee ($millions)	4.2101%	3,243
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	1.1243%	5,297
Loan loss allowance to noncurrent loans	193.5146%	1,709
Noncurrent assets plus other real estate owned to assets	0.5414%	5,853
Noncurrent loans to loans	0.5810%	5,950
Net loans and leases to total assets	66.6306%	4,432
Net loans and leases to deposits	82.4661%	4,211
Net loans and leases to core deposits	108.6258%	3,602
Total domestic deposits to total assets	80.7976%	5,043
Equity capital to assets	11.8949%	2,328
Core capital (leverage) ratio	11.3846%	2,218
Tier 1 risk-based capital ratio	16.8091%	2,398
Total risk-based capital ratio	17.9956%	2,356
Memoranda:
Average total assets	$125,158,500	4,519
Average earning assets	$117,076,000	4,456
Average equity	$14,274,000	4,277
Average total loans	$84,691,000	4,471
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.2500%	4,240
Cost of funding earning assets	2.4254%	4,605
Net interest margin	3.8246%	3,918
Noninterest income to average assets	0.4955%	4,643
Noninterest expense to average assets	2.4400%	6,256
Loan and lease loss provision to assets	0.3499%	3,598
Net operating income to assets	0.9191%	2,922
Return on assets (ROA)	0.9191%	2,769
Pretax return on assets	1.2681%	2,415
Return on Equity (ROE)	8.0899%	3,034
Retained earnings to average equity (ytd only)	4.9586%	2,054
Net charge-offs to loans	0.2481%	3,789
Credit loss provision to net charge-offs	209.0000%	2,314
Earnings coverage of net charge-offs (x)	9.6650%	2,654
Efficiency ratio	60.1279%	6,313
Assets per employee ($millions)	4.4215%	2,748
Cash dividends to net income (ytd only)*	38.7067%	3,701
Condition Ratios (%)
Loss allowance to loans	1.0619%	5,535
Loan loss allowance to noncurrent loans	150.1623%	2,466
Noncurrent assets plus other real estate owned to assets	0.5537%	5,520
Noncurrent loans to loans	0.7072%	5,266
Net loans and leases to total assets	67.2110%	4,599
Net loans and leases to deposits	81.7500%	4,763
Net loans and leases to core deposits	109.4599%	3,813
Total domestic deposits to total assets	82.2154%	4,117
Equity capital to assets	10.9380%	3,094
Core capital (leverage) ratio	11.0336%	2,569
Tier 1 risk-based capital ratio	15.2409%	2,938
Total risk-based capital ratio	16.3442%	2,921
Memoranda:
Average total assets	$119,466,600	4,540
Average earning assets	$111,279,200	4,489
Average equity	$13,572,400	4,431
Average total loans	$80,619,200	4,499