Home > The First Trust and Savings Bank of Watseka, Illinois > Performance and Condition Ratios

The First Trust and Savings Bank of Watseka, Illinois, 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	4.0229%	3,927
Cost of funding earning assets	0.7779%	3,793
Net interest margin	3.2451%	2,762
Noninterest income to average assets	0.4300%	2,344
Noninterest expense to average assets	1.5299%	4,313
Loan and lease loss provision to assets	0.0400%	2,313
Net operating income to assets	1.5025%	1,013
Return on assets (ROA)	1.5025%	985
Pretax return on assets	2.0011%	674
Return on Equity (ROE)	11.4500%	2,108
Retained earnings to average equity (ytd only)	7.3318%	1,781
Net charge-offs to loans	0.0007%	2,871
Credit loss provision to net charge-offs	11,500.0000%	49
Earnings coverage of net charge-offs (x)	6,414.0000%	10
Efficiency ratio	42.8087%	4,294
Assets per employee ($millions)	9.7817%	754
Cash dividends to net income (ytd only)*	35.9915%	2,299
Condition Ratios (%)
Loss allowance to loans	1.1795%	2,409
Loan loss allowance to noncurrent loans	3,131.1475%	360
Noncurrent assets plus other real estate owned to assets	0.0195%	3,609
Noncurrent loans to loans	0.0377%	3,460
Net loans and leases to total assets	51.1200%	3,535
Net loans and leases to deposits	59.6572%	3,547
Net loans and leases to core deposits	61.9072%	3,684
Total domestic deposits to total assets	85.6900%	2,113
Equity capital to assets	14.0236%	676
Core capital (leverage) ratio	14.9749%	630
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,896
Memoranda:
Average total assets	$313,820,200	2,350
Average earning assets	$304,030,800	2,280
Average equity	$41,163,000	1,843
Average total loans	$146,775,200	2,698
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9304%	3,952
Cost of funding earning assets	0.7136%	3,736
Net interest margin	3.2168%	2,878
Noninterest income to average assets	0.4100%	2,428
Noninterest expense to average assets	1.4580%	4,341
Loan and lease loss provision to assets	0.0000%	2,992
Net operating income to assets	1.5599%	1,003
Return on assets (ROA)	1.5599%	999
Pretax return on assets	2.0754%	689
Return on Equity (ROE)	12.1000%	2,094
Retained earnings to average equity (ytd only)	7.9445%	1,983
Net charge-offs to loans	-0.0205%	4,139
Credit loss provision to net charge-offs	0.0000%	2,098
Earnings coverage of net charge-offs (x)	0.0000%	2,572
Efficiency ratio	41.2939%	4,321
Assets per employee ($millions)	9.8251%	711
Cash dividends to net income (ytd only)*	34.3495%	1,892
Condition Ratios (%)
Loss allowance to loans	1.1934%	2,394
Loan loss allowance to noncurrent loans	1,323.5294%	711
Noncurrent assets plus other real estate owned to assets	0.0433%	3,371
Noncurrent loans to loans	0.0902%	3,130
Net loans and leases to total assets	47.4000%	3,769
Net loans and leases to deposits	54.6587%	3,769
Net loans and leases to core deposits	55.9956%	3,855
Total domestic deposits to total assets	86.7200%	1,973
Equity capital to assets	13.0425%	807
Core capital (leverage) ratio	14.9457%	635
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,911
Memoranda:
Average total assets	$314,021,500	2,353
Average earning assets	$304,353,000	2,276
Average equity	$40,479,750	1,852
Average total loans	$142,986,000	2,736
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8524%	3,943
Cost of funding earning assets	0.6467%	3,635
Net interest margin	3.2057%	2,979
Noninterest income to average assets	0.4100%	2,372
Noninterest expense to average assets	1.4291%	4,389
Loan and lease loss provision to assets	-0.0600%	4,518
Net operating income to assets	1.6171%	920
Return on assets (ROA)	1.6171%	920
Pretax return on assets	2.1542%	572
Return on Equity (ROE)	12.5900%	1,989
Retained earnings to average equity (ytd only)	8.4209%	1,841
Net charge-offs to loans	-0.0256%	4,191
Credit loss provision to net charge-offs	0.0000%	1,862
Earnings coverage of net charge-offs (x)	0.0000%	2,403
Efficiency ratio	40.5973%	4,377
Assets per employee ($millions)	9.6847%	734
Cash dividends to net income (ytd only)*	33.1363%	1,987
Condition Ratios (%)
Loss allowance to loans	1.1552%	2,688
Loan loss allowance to noncurrent loans	1,208.7591%	823
Noncurrent assets plus other real estate owned to assets	0.0442%	3,330
Noncurrent loans to loans	0.0956%	3,020
Net loans and leases to total assets	45.7200%	3,807
Net loans and leases to deposits	52.8170%	3,803
Net loans and leases to core deposits	54.2579%	3,883
Total domestic deposits to total assets	86.5700%	2,072
Equity capital to assets	13.2261%	767
Core capital (leverage) ratio	14.6099%	649
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,936
Memoranda:
Average total assets	$313,894,333	2,362
Average earning assets	$304,329,667	2,285
Average equity	$40,304,333	1,871
Average total loans	$140,370,000	2,767
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7586%	3,927
Cost of funding earning assets	0.5829%	3,431
Net interest margin	3.1757%	3,172
Noninterest income to average assets	0.4200%	2,267
Noninterest expense to average assets	1.3752%	4,486
Loan and lease loss provision to assets	-0.0600%	4,531
Net operating income to assets	1.6538%	898
Return on assets (ROA)	1.6538%	899
Pretax return on assets	2.1831%	588
Return on Equity (ROE)	13.0700%	1,970
Retained earnings to average equity (ytd only)	8.8584%	1,989
Net charge-offs to loans	-0.0346%	4,260
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	39.2767%	4,463
Assets per employee ($millions)	9.8982%	729
Cash dividends to net income (ytd only)*	32.2358%	1,674
Condition Ratios (%)
Loss allowance to loans	1.2269%	2,410
Loan loss allowance to noncurrent loans	2,430.7692%	506
Noncurrent assets plus other real estate owned to assets	0.0205%	3,601
Noncurrent loans to loans	0.0505%	3,382
Net loans and leases to total assets	40.1600%	4,034
Net loans and leases to deposits	46.2766%	4,030
Net loans and leases to core deposits	47.0461%	4,074
Total domestic deposits to total assets	86.7800%	2,346
Equity capital to assets	12.8950%	781
Core capital (leverage) ratio	13.7939%	771
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,020
Memoranda:
Average total assets	$315,886,500	2,382
Average earning assets	$306,072,000	2,315
Average equity	$39,962,000	1,904
Average total loans	$138,877,000	2,809
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.6795%	4,416
Cost of funding earning assets	0.2036%	3,729
Net interest margin	2.4758%	4,310
Noninterest income to average assets	0.3900%	2,745
Noninterest expense to average assets	1.3408%	4,544
Loan and lease loss provision to assets	0.0000%	2,926
Net operating income to assets	1.1029%	2,162
Return on assets (ROA)	1.1052%	2,087
Pretax return on assets	1.4449%	1,635
Return on Equity (ROE)	8.8700%	3,160
Retained earnings to average equity (ytd only)	5.0447%	3,031
Net charge-offs to loans	-0.0022%	3,465
Credit loss provision to net charge-offs	0.0000%	1,979
Earnings coverage of net charge-offs (x)	0.0000%	2,564
Efficiency ratio	48.1795%	4,229
Assets per employee ($millions)	9.8447%	707
Cash dividends to net income (ytd only)*	43.1167%	1,736
Condition Ratios (%)
Loss allowance to loans	1.1297%	2,741
Loan loss allowance to noncurrent loans	2,511.9403%	509
Noncurrent assets plus other real estate owned to assets	0.0213%	3,631
Noncurrent loans to loans	0.0450%	3,431
Net loans and leases to total assets	46.7500%	3,750
Net loans and leases to deposits	53.4634%	3,708
Net loans and leases to core deposits	54.4265%	3,790
Total domestic deposits to total assets	87.4500%	2,250
Equity capital to assets	12.4052%	824
Core capital (leverage) ratio	13.6621%	779
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,055
Memoranda:
Average total assets	$318,776,400	2,357
Average earning assets	$308,383,800	2,286
Average equity	$39,725,200	1,924
Average total loans	$135,836,200	2,769
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.4491%	4,472
Cost of funding earning assets	0.1430%	3,913
Net interest margin	2.3061%	4,399
Noninterest income to average assets	0.3900%	2,797
Noninterest expense to average assets	1.2853%	4,588
Loan and lease loss provision to assets	0.0000%	2,752
Net operating income to assets	1.0233%	2,392
Return on assets (ROA)	1.0263%	2,353
Pretax return on assets	1.3387%	1,927
Return on Equity (ROE)	8.2300%	3,262
Retained earnings to average equity (ytd only)	4.4158%	3,321
Net charge-offs to loans	0.0040%	2,061
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	800.2500%	203
Efficiency ratio	49.0530%	4,216
Assets per employee ($millions)	10.1433%	628
Cash dividends to net income (ytd only)*	46.3226%	1,338
Condition Ratios (%)
Loss allowance to loans	1.1895%	2,584
Loan loss allowance to noncurrent loans	2,428.9855%	483
Noncurrent assets plus other real estate owned to assets	0.0213%	3,731
Noncurrent loans to loans	0.0490%	3,526
Net loans and leases to total assets	42.8900%	3,944
Net loans and leases to deposits	48.5064%	3,933
Net loans and leases to core deposits	49.2413%	3,984
Total domestic deposits to total assets	88.4300%	2,299
Equity capital to assets	11.4438%	1,023
Core capital (leverage) ratio	13.2143%	849
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,120
Memoranda:
Average total assets	$319,713,000	2,368
Average earning assets	$309,543,750	2,304
Average equity	$39,886,500	1,949
Average total loans	$132,552,000	2,805
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.2009%	4,565
Cost of funding earning assets	0.0985%	4,203
Net interest margin	2.1023%	4,512
Noninterest income to average assets	0.3911%	2,812
Noninterest expense to average assets	1.2707%	4,604
Loan and lease loss provision to assets	0.0000%	2,599
Net operating income to assets	0.8953%	2,602
Return on assets (ROA)	0.8997%	2,556
Pretax return on assets	1.1651%	2,189
Return on Equity (ROE)	7.0146%	3,310
Retained earnings to average equity (ytd only)	3.2892%	3,355
Net charge-offs to loans	-0.0154%	3,772
Credit loss provision to net charge-offs	0.0000%	1,663
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	52.2898%	4,104
Assets per employee ($millions)	10.5192%	565
Cash dividends to net income (ytd only)*	53.1097%	1,258
Condition Ratios (%)
Loss allowance to loans	1.2564%	2,403
Loan loss allowance to noncurrent loans	1,942.5287%	571
Noncurrent assets plus other real estate owned to assets	0.0258%	3,730
Noncurrent loans to loans	0.0647%	3,473
Net loans and leases to total assets	39.4584%	4,100
Net loans and leases to deposits	44.5818%	4,090
Net loans and leases to core deposits	45.1550%	4,152
Total domestic deposits to total assets	88.5079%	2,379
Equity capital to assets	11.4378%	1,049
Core capital (leverage) ratio	13.3964%	728
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$318,089,000	2,394
Average earning assets	$308,513,667	2,333
Average equity	$40,800,333	1,965
Average total loans	$129,770,333	2,845
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.0324%	4,610
Cost of funding earning assets	0.0749%	4,405
Net interest margin	1.9575%	4,540
Noninterest income to average assets	0.4106%	2,614
Noninterest expense to average assets	1.2693%	4,640
Loan and lease loss provision to assets	0.0000%	2,285
Net operating income to assets	0.8036%	2,643
Return on assets (ROA)	0.8108%	2,623
Pretax return on assets	1.0465%	2,305
Return on Equity (ROE)	5.9690%	3,354
Retained earnings to average equity (ytd only)	2.3456%	3,448
Net charge-offs to loans	-0.0094%	3,561
Credit loss provision to net charge-offs	0.0000%	1,336
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	55.0253%	3,972
Assets per employee ($millions)	9.5514%	764
Cash dividends to net income (ytd only)*	60.7029%	1,036
Condition Ratios (%)
Loss allowance to loans	1.3596%	2,073
Loan loss allowance to noncurrent loans	2,337.5000%	491
Noncurrent assets plus other real estate owned to assets	0.0228%	3,816
Noncurrent loans to loans	0.0582%	3,569
Net loans and leases to total assets	38.7380%	4,082
Net loans and leases to deposits	44.5038%	4,043
Net loans and leases to core deposits	45.1257%	4,118
Total domestic deposits to total assets	87.0443%	2,908
Equity capital to assets	12.7888%	741
Core capital (leverage) ratio	13.7197%	626
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$308,827,000	2,458
Average earning assets	$299,154,000	2,395
Average equity	$41,950,000	1,976
Average total loans	$127,399,500	2,874
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.5073%	4,473
Cost of funding earning assets	0.1196%	4,224
Net interest margin	2.3877%	4,336
Noninterest income to average assets	0.3698%	3,218
Noninterest expense to average assets	1.1833%	4,716
Loan and lease loss provision to assets	0.0000%	3,064
Net operating income to assets	1.1470%	2,123
Return on assets (ROA)	1.1475%	2,174
Pretax return on assets	1.5078%	1,696
Return on Equity (ROE)	7.8287%	3,272
Retained earnings to average equity (ytd only)	4.7038%	2,921
Net charge-offs to loans	-0.0481%	4,315
Credit loss provision to net charge-offs	0.0000%	2,330
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	43.9828%	4,575
Assets per employee ($millions)	9.1654%	870
Cash dividends to net income (ytd only)*	39.9168%	2,040
Condition Ratios (%)
Loss allowance to loans	1.2823%	2,446
Loan loss allowance to noncurrent loans	2,301.3699%	470
Noncurrent assets plus other real estate owned to assets	0.0241%	3,883
Noncurrent loans to loans	0.0557%	3,680
Net loans and leases to total assets	42.7615%	3,929
Net loans and leases to deposits	50.0457%	3,874
Net loans and leases to core deposits	50.8934%	3,975
Total domestic deposits to total assets	85.4449%	3,114
Equity capital to assets	14.4120%	595
Core capital (leverage) ratio	14.5165%	530
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$293,417,200	2,461
Average earning assets	$285,164,200	2,401
Average equity	$43,008,200	1,977
Average total loans	$120,629,600	2,947
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.6298%	4,478
Cost of funding earning assets	0.1324%	4,250
Net interest margin	2.4974%	4,280
Noninterest income to average assets	0.3645%	3,274
Noninterest expense to average assets	1.1563%	4,800
Loan and lease loss provision to assets	0.0000%	2,963
Net operating income to assets	1.2389%	2,025
Return on assets (ROA)	1.2396%	2,084
Pretax return on assets	1.6366%	1,590
Return on Equity (ROE)	8.4205%	3,277
Retained earnings to average equity (ytd only)	5.2912%	3,103
Net charge-offs to loans	-0.0576%	4,414
Credit loss provision to net charge-offs	0.0000%	2,044
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	41.4138%	4,677
Assets per employee ($millions)	8.9981%	892
Cash dividends to net income (ytd only)*	37.1629%	1,747
Condition Ratios (%)
Loss allowance to loans	1.3928%	2,055
Loan loss allowance to noncurrent loans	2,230.6667%	429
Noncurrent assets plus other real estate owned to assets	0.0253%	4,003
Noncurrent loans to loans	0.0624%	3,786
Net loans and leases to total assets	39.8903%	4,213
Net loans and leases to deposits	46.8834%	4,189
Net loans and leases to core deposits	47.6976%	4,253
Total domestic deposits to total assets	85.0840%	3,086
Equity capital to assets	14.6738%	601
Core capital (leverage) ratio	14.4848%	560
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$291,157,250	2,490
Average earning assets	$283,007,500	2,439
Average equity	$42,862,750	2,012
Average total loans	$118,033,250	3,010
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.6493%	4,504
Cost of funding earning assets	0.1523%	4,190
Net interest margin	2.4970%	4,310
Noninterest income to average assets	0.3644%	3,281
Noninterest expense to average assets	1.3477%	4,760
Loan and lease loss provision to assets	0.0000%	2,862
Net operating income to assets	1.1005%	2,548
Return on assets (ROA)	1.1015%	2,605
Pretax return on assets	1.4445%	2,194
Return on Equity (ROE)	7.4743%	3,538
Retained earnings to average equity (ytd only)	4.3307%	3,421
Net charge-offs to loans	-0.0869%	4,584
Credit loss provision to net charge-offs	0.0000%	1,801
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	48.2904%	4,365
Assets per employee ($millions)	9.2491%	788
Cash dividends to net income (ytd only)*	42.0590%	1,508
Condition Ratios (%)
Loss allowance to loans	1.4590%	1,727
Loan loss allowance to noncurrent loans	2,065.4321%	407
Noncurrent assets plus other real estate owned to assets	0.0274%	4,081
Noncurrent loans to loans	0.0706%	3,834
Net loans and leases to total assets	38.1764%	4,380
Net loans and leases to deposits	44.8018%	4,361
Net loans and leases to core deposits	45.5807%	4,406
Total domestic deposits to total assets	85.2117%	3,011
Equity capital to assets	14.5450%	609
Core capital (leverage) ratio	14.4608%	543
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$289,230,667	2,501
Average earning assets	$281,059,333	2,441
Average equity	$42,626,333	2,009
Average total loans	$117,337,000	3,031
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.3580%	4,735
Cost of funding earning assets	0.1871%	4,028
Net interest margin	2.1709%	4,634
Noninterest income to average assets	0.3526%	3,327
Noninterest expense to average assets	1.3475%	4,786
Loan and lease loss provision to assets	0.0000%	2,741
Net operating income to assets	0.8667%	3,218
Return on assets (ROA)	0.8690%	3,296
Pretax return on assets	1.1180%	3,071
Return on Equity (ROE)	5.8564%	3,895
Retained earnings to average equity (ytd only)	2.6972%	3,871
Net charge-offs to loans	0.0000%	1,930
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	54.7159%	3,711
Assets per employee ($millions)	9.0664%	810
Cash dividends to net income (ytd only)*	53.9452%	1,024
Condition Ratios (%)
Loss allowance to loans	1.4028%	1,945
Loan loss allowance to noncurrent loans	2,027.5000%	367
Noncurrent assets plus other real estate owned to assets	0.0276%	4,168
Noncurrent loans to loans	0.0692%	3,945
Net loans and leases to total assets	39.2943%	4,373
Net loans and leases to deposits	46.2245%	4,340
Net loans and leases to core deposits	47.2542%	4,395
Total domestic deposits to total assets	85.0075%	3,088
Equity capital to assets	14.5778%	558
Core capital (leverage) ratio	14.5972%	547
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$285,860,500	2,512
Average earning assets	$277,859,500	2,446
Average equity	$42,415,000	2,008
Average total loans	$118,673,500	3,026
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.8914%	4,708
Cost of funding earning assets	0.4010%	3,571
Net interest margin	2.4903%	4,600
Noninterest income to average assets	0.4037%	3,075
Noninterest expense to average assets	1.4577%	4,810
Loan and lease loss provision to assets	0.0396%	3,910
Net operating income to assets	1.0314%	2,172
Return on assets (ROA)	1.0343%	2,305
Pretax return on assets	1.3261%	1,897
Return on Equity (ROE)	6.5734%	3,381
Retained earnings to average equity (ytd only)	2.7118%	3,505
Net charge-offs to loans	0.0444%	2,177
Credit loss provision to net charge-offs	187.5000%	2,224
Earnings coverage of net charge-offs (x)	64.5179%	1,034
Efficiency ratio	51.6979%	4,405
Assets per employee ($millions)	8.7998%	795
Cash dividends to net income (ytd only)*	58.7464%	1,414
Condition Ratios (%)
Loss allowance to loans	1.3325%	2,265
Loan loss allowance to noncurrent loans	1,930.9524%	398
Noncurrent assets plus other real estate owned to assets	0.0298%	4,211
Noncurrent loans to loans	0.0690%	4,020
Net loans and leases to total assets	42.6499%	4,316
Net loans and leases to deposits	50.4459%	4,293
Net loans and leases to core deposits	51.6652%	4,359
Total domestic deposits to total assets	84.5459%	2,933
Equity capital to assets	15.1054%	558
Core capital (leverage) ratio	14.9002%	518
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$265,287,400	2,489
Average earning assets	$257,353,400	2,421
Average equity	$41,744,200	1,957
Average total loans	$126,079,200	2,909
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.9345%	4,777
Cost of funding earning assets	0.4487%	3,533
Net interest margin	2.4858%	4,662
Noninterest income to average assets	0.3828%	3,168
Noninterest expense to average assets	1.4501%	4,841
Loan and lease loss provision to assets	0.0383%	3,874
Net operating income to assets	1.0248%	2,236
Return on assets (ROA)	1.0280%	2,360
Pretax return on assets	1.3133%	1,996
Return on Equity (ROE)	6.4633%	3,386
Retained earnings to average equity (ytd only)	3.2220%	3,429
Net charge-offs to loans	0.0283%	2,266
Credit loss provision to net charge-offs	277.7778%	1,834
Earnings coverage of net charge-offs (x)	97.7778%	806
Efficiency ratio	51.8336%	4,356
Assets per employee ($millions)	8.7374%	765
Cash dividends to net income (ytd only)*	50.1490%	1,489
Condition Ratios (%)
Loss allowance to loans	1.2489%	2,397
Loan loss allowance to noncurrent loans	790.7317%	729
Noncurrent assets plus other real estate owned to assets	0.1115%	3,878
Noncurrent loans to loans	0.1579%	3,750
Net loans and leases to total assets	47.3200%	4,252
Net loans and leases to deposits	56.4307%	4,238
Net loans and leases to core deposits	58.0540%	4,302
Total domestic deposits to total assets	83.8551%	2,863
Equity capital to assets	15.6978%	510
Core capital (leverage) ratio	15.2265%	509
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$261,210,500	2,499
Average earning assets	$253,756,000	2,422
Average equity	$41,546,250	1,948
Average total loans	$127,168,500	2,902
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0557%	4,811
Cost of funding earning assets	0.5069%	3,490
Net interest margin	2.5488%	4,699
Noninterest income to average assets	0.3822%	3,193
Noninterest expense to average assets	1.4861%	4,856
Loan and lease loss provision to assets	0.0349%	3,831
Net operating income to assets	1.0477%	2,159
Return on assets (ROA)	1.0520%	2,272
Pretax return on assets	1.3419%	1,896
Return on Equity (ROE)	6.5839%	3,298
Retained earnings to average equity (ytd only)	3.3138%	3,265
Net charge-offs to loans	0.0127%	2,516
Credit loss provision to net charge-offs	562.5000%	1,151
Earnings coverage of net charge-offs (x)	221.1250%	411
Efficiency ratio	52.0076%	4,352
Assets per employee ($millions)	8.3987%	842
Cash dividends to net income (ytd only)*	49.6684%	1,567
Condition Ratios (%)
Loss allowance to loans	1.2664%	2,169
Loan loss allowance to noncurrent loans	706.1404%	741
Noncurrent assets plus other real estate owned to assets	0.1265%	3,893
Noncurrent loans to loans	0.1793%	3,730
Net loans and leases to total assets	46.7058%	4,325
Net loans and leases to deposits	55.6852%	4,302
Net loans and leases to core deposits	57.3690%	4,383
Total domestic deposits to total assets	83.8747%	2,791
Equity capital to assets	15.6926%	513
Core capital (leverage) ratio	15.7485%	467
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$257,994,000	2,488
Average earning assets	$250,549,333	2,418
Average equity	$41,222,000	1,951
Average total loans	$126,294,000	2,903
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3249%	4,794
Cost of funding earning assets	0.6235%	3,313
Net interest margin	2.7014%	4,670
Noninterest income to average assets	0.4006%	3,098
Noninterest expense to average assets	1.5359%	4,895
Loan and lease loss provision to assets	0.0238%	3,505
Net operating income to assets	1.1423%	1,712
Return on assets (ROA)	1.1448%	1,809
Pretax return on assets	1.4647%	1,400
Return on Equity (ROE)	7.0977%	2,903
Retained earnings to average equity (ytd only)	3.7894%	2,765
Net charge-offs to loans	-0.0064%	3,924
Credit loss provision to net charge-offs	-750.0000%	3,481
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	50.8386%	4,616
Assets per employee ($millions)	7.5982%	863
Cash dividends to net income (ytd only)*	46.6113%	1,722
Condition Ratios (%)
Loss allowance to loans	1.3166%	2,069
Loan loss allowance to noncurrent loans	444.1341%	1,067
Noncurrent assets plus other real estate owned to assets	0.1428%	3,933
Noncurrent loans to loans	0.2964%	3,437
Net loans and leases to total assets	47.5287%	4,364
Net loans and leases to deposits	56.9714%	4,323
Net loans and leases to core deposits	59.0971%	4,396
Total domestic deposits to total assets	83.4255%	2,972
Equity capital to assets	16.2674%	536
Core capital (leverage) ratio	16.1055%	503
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$252,612,500	2,478
Average earning assets	$245,060,000	2,408
Average equity	$40,745,500	1,958
Average total loans	$125,873,500	2,892
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6427%	4,734
Cost of funding earning assets	0.6906%	3,204
Net interest margin	2.9521%	4,572
Noninterest income to average assets	0.4177%	3,191
Noninterest expense to average assets	1.5700%	4,966
Loan and lease loss provision to assets	0.0060%	3,889
Net operating income to assets	1.3433%	1,528
Return on assets (ROA)	1.3433%	1,611
Pretax return on assets	1.6984%	1,192
Return on Equity (ROE)	8.5268%	2,933
Retained earnings to average equity (ytd only)	4.7256%	2,567
Net charge-offs to loans	0.1390%	1,400
Credit loss provision to net charge-offs	9.0909%	3,361
Earnings coverage of net charge-offs (x)	25.8909%	1,714
Efficiency ratio	47.9469%	4,833
Assets per employee ($millions)	7.9526%	731
Cash dividends to net income (ytd only)*	44.5797%	2,360
Condition Ratios (%)
Loss allowance to loans	1.2009%	2,433
Loan loss allowance to noncurrent loans	429.7814%	1,115
Noncurrent assets plus other real estate owned to assets	0.1438%	3,916
Noncurrent loans to loans	0.2794%	3,443
Net loans and leases to total assets	50.8519%	4,288
Net loans and leases to deposits	60.7601%	4,256
Net loans and leases to core deposits	62.8201%	4,330
Total domestic deposits to total assets	83.6929%	2,957
Equity capital to assets	15.9939%	604
Core capital (leverage) ratio	15.6586%	567
Tier 1 risk-based capital ratio	26.2858%	659
Total risk-based capital ratio	27.3088%	655
Memoranda:
Average total assets	$250,643,400	2,458
Average earning assets	$242,536,600	2,387
Average equity	$39,487,200	1,957
Average total loans	$118,713,400	2,955
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6651%	4,817
Cost of funding earning assets	0.6789%	3,316
Net interest margin	2.9862%	4,639
Noninterest income to average assets	0.4181%	3,214
Noninterest expense to average assets	1.5609%	5,033
Loan and lease loss provision to assets	0.0000%	3,836
Net operating income to assets	1.3847%	1,511
Return on assets (ROA)	1.3847%	1,584
Pretax return on assets	1.7462%	1,209
Return on Equity (ROE)	8.8232%	2,950
Retained earnings to average equity (ytd only)	5.1177%	2,840
Net charge-offs to loans	0.1188%	1,307
Credit loss provision to net charge-offs	0.0000%	3,032
Earnings coverage of net charge-offs (x)	31.7475%	1,577
Efficiency ratio	47.1984%	4,890
Assets per employee ($millions)	7.9989%	692
Cash dividends to net income (ytd only)*	41.9975%	2,069
Condition Ratios (%)
Loss allowance to loans	1.3812%	1,646
Loan loss allowance to noncurrent loans	457.6271%	1,050
Noncurrent assets plus other real estate owned to assets	0.1383%	4,041
Noncurrent loans to loans	0.3018%	3,456
Net loans and leases to total assets	45.1896%	4,646
Net loans and leases to deposits	53.9081%	4,638
Net loans and leases to core deposits	55.9385%	4,688
Total domestic deposits to total assets	83.8270%	2,884
Equity capital to assets	15.8186%	673
Core capital (leverage) ratio	16.0296%	553
Tier 1 risk-based capital ratio	28.8158%	521
Total risk-based capital ratio	29.9812%	515
Memoranda:
Average total assets	$249,683,250	2,484
Average earning assets	$241,550,250	2,409
Average equity	$39,183,500	1,980
Average total loans	$115,646,000	3,029
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6675%	4,866
Cost of funding earning assets	0.6422%	3,453
Net interest margin	3.0253%	4,641
Noninterest income to average assets	0.4176%	3,151
Noninterest expense to average assets	1.5405%	5,097
Loan and lease loss provision to assets	0.0000%	3,685
Net operating income to assets	1.4266%	1,353
Return on assets (ROA)	1.4266%	1,406
Pretax return on assets	1.7998%	1,031
Return on Equity (ROE)	9.1153%	2,807
Retained earnings to average equity (ytd only)	5.0893%	2,722
Net charge-offs to loans	0.1772%	922
Credit loss provision to net charge-offs	0.0000%	2,725
Earnings coverage of net charge-offs (x)	21.8431%	1,716
Efficiency ratio	46.1185%	4,985
Assets per employee ($millions)	7.5174%	803
Cash dividends to net income (ytd only)*	44.1676%	2,041
Condition Ratios (%)
Loss allowance to loans	1.4132%	1,559
Loan loss allowance to noncurrent loans	602.6022%	872
Noncurrent assets plus other real estate owned to assets	0.1084%	4,213
Noncurrent loans to loans	0.2345%	3,705
Net loans and leases to total assets	45.5852%	4,657
Net loans and leases to deposits	54.5490%	4,662
Net loans and leases to core deposits	56.6595%	4,694
Total domestic deposits to total assets	83.5674%	3,025
Equity capital to assets	16.0863%	605
Core capital (leverage) ratio	16.0992%	534
Tier 1 risk-based capital ratio	29.1571%	514
Total risk-based capital ratio	30.3525%	508
Memoranda:
Average total assets	$247,589,670	2,507
Average earning assets	$239,180,670	2,437
Average equity	$38,748,000	1,994
Average total loans	$115,098,330	3,053
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6233%	4,941
Cost of funding earning assets	0.5986%	3,583
Net interest margin	3.0248%	4,712
Noninterest income to average assets	0.3865%	3,280
Noninterest expense to average assets	1.5056%	5,168
Loan and lease loss provision to assets	0.0000%	3,406
Net operating income to assets	1.4231%	1,316
Return on assets (ROA)	1.4231%	1,344
Pretax return on assets	1.7983%	978
Return on Equity (ROE)	9.2221%	2,701
Retained earnings to average equity (ytd only)	5.9734%	2,464
Net charge-offs to loans	0.3608%	433
Credit loss provision to net charge-offs	0.0000%	2,210
Earnings coverage of net charge-offs (x)	10.6923%	1,948
Efficiency ratio	45.5702%	5,046
Assets per employee ($millions)	7.4786%	827
Cash dividends to net income (ytd only)*	35.2273%	2,065
Condition Ratios (%)
Loss allowance to loans	1.4473%	1,517
Loan loss allowance to noncurrent loans	884.6995%	673
Noncurrent assets plus other real estate owned to assets	0.0742%	4,446
Noncurrent loans to loans	0.1636%	4,013
Net loans and leases to total assets	44.6694%	4,715
Net loans and leases to deposits	53.3065%	4,701
Net loans and leases to core deposits	55.0583%	4,750
Total domestic deposits to total assets	83.7974%	3,120
Equity capital to assets	15.7662%	612
Core capital (leverage) ratio	15.8401%	554
Tier 1 risk-based capital ratio	28.8927%	513
Total risk-based capital ratio	30.0883%	511
Memoranda:
Average total assets	$247,347,500	2,533
Average earning assets	$238,564,000	2,465
Average equity	$38,169,000	2,008
Average total loans	$115,294,500	3,074
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5993%	4,797
Cost of funding earning assets	0.4710%	3,546
Net interest margin	3.1283%	4,613
Noninterest income to average assets	0.4422%	3,154
Noninterest expense to average assets	1.5401%	5,203
Loan and lease loss provision to assets	0.0370%	3,460
Net operating income to assets	1.4654%	1,219
Return on assets (ROA)	1.4654%	1,211
Pretax return on assets	1.8756%	757
Return on Equity (ROE)	9.8671%	2,567
Retained earnings to average equity (ytd only)	6.1403%	2,123
Net charge-offs to loans	-0.0231%	4,732
Credit loss provision to net charge-offs	-333.3333%	4,556
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	44.6070%	5,161
Assets per employee ($millions)	7.7469%	726
Cash dividends to net income (ytd only)*	37.7697%	2,646
Condition Ratios (%)
Loss allowance to loans	1.4512%	1,439
Loan loss allowance to noncurrent loans	598.2639%	941
Noncurrent assets plus other real estate owned to assets	0.1162%	4,249
Noncurrent loans to loans	0.2426%	3,715
Net loans and leases to total assets	47.1985%	4,684
Net loans and leases to deposits	55.8094%	4,674
Net loans and leases to core deposits	57.4909%	4,715
Total domestic deposits to total assets	84.5709%	2,811
Equity capital to assets	15.0979%	688
Core capital (leverage) ratio	15.4922%	599
Tier 1 risk-based capital ratio	27.2341%	602
Total risk-based capital ratio	28.4512%	594
Memoranda:
Average total assets	$243,551,600	2,520
Average earning assets	$234,377,800	2,456
Average equity	$36,170,800	2,024
Average total loans	$116,766,600	3,030
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5452%	4,884
Cost of funding earning assets	0.4354%	3,625
Net interest margin	3.1098%	4,688
Noninterest income to average assets	0.4328%	3,265
Noninterest expense to average assets	1.5238%	5,261
Loan and lease loss provision to assets	0.0495%	3,001
Net operating income to assets	1.4451%	1,343
Return on assets (ROA)	1.4451%	1,344
Pretax return on assets	1.8564%	894
Return on Equity (ROE)	9.7720%	2,717
Retained earnings to average equity (ytd only)	6.1949%	2,550
Net charge-offs to loans	-0.0011%	4,022
Credit loss provision to net charge-offs	-9,000.0000%	4,902
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	44.4284%	5,203
Assets per employee ($millions)	7.8150%	692
Cash dividends to net income (ytd only)*	36.6057%	2,224
Condition Ratios (%)
Loss allowance to loans	1.4817%	1,408
Loan loss allowance to noncurrent loans	623.8971%	881
Noncurrent assets plus other real estate owned to assets	0.1123%	4,407
Noncurrent loans to loans	0.2375%	3,847
Net loans and leases to total assets	46.5734%	4,775
Net loans and leases to deposits	54.9147%	4,790
Net loans and leases to core deposits	56.4779%	4,834
Total domestic deposits to total assets	84.8104%	2,682
Equity capital to assets	14.9085%	745
Core capital (leverage) ratio	15.6162%	579
Tier 1 risk-based capital ratio	28.3075%	550
Total risk-based capital ratio	29.5576%	543
Memoranda:
Average total assets	$242,464,000	2,535
Average earning assets	$233,664,500	2,470
Average equity	$35,856,500	2,044
Average total loans	$116,276,000	3,066
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4736%	4,954
Cost of funding earning assets	0.3921%	3,786
Net interest margin	3.0815%	4,766
Noninterest income to average assets	0.4338%	3,264
Noninterest expense to average assets	1.5091%	5,337
Loan and lease loss provision to assets	0.0742%	2,406
Net operating income to assets	1.4200%	1,367
Return on assets (ROA)	1.4200%	1,371
Pretax return on assets	1.8249%	908
Return on Equity (ROE)	9.6284%	2,751
Retained earnings to average equity (ytd only)	5.9045%	2,607
Net charge-offs to loans	0.0171%	2,573
Credit loss provision to net charge-offs	900.0000%	448
Earnings coverage of net charge-offs (x)	230.3000%	384
Efficiency ratio	44.2778%	5,277
Assets per employee ($millions)	7.5867%	742
Cash dividends to net income (ytd only)*	38.6760%	2,201
Condition Ratios (%)
Loss allowance to loans	1.4757%	1,468
Loan loss allowance to noncurrent loans	307.6642%	1,610
Noncurrent assets plus other real estate owned to assets	0.2257%	3,877
Noncurrent loans to loans	0.4797%	2,998
Net loans and leases to total assets	46.3645%	4,803
Net loans and leases to deposits	54.5137%	4,821
Net loans and leases to core deposits	56.0686%	4,869
Total domestic deposits to total assets	85.0511%	2,652
Equity capital to assets	14.7895%	732
Core capital (leverage) ratio	15.3774%	597
Tier 1 risk-based capital ratio	27.5793%	579
Total risk-based capital ratio	28.8230%	573
Memoranda:
Average total assets	$242,530,330	2,548
Average earning assets	$234,108,000	2,483
Average equity	$35,769,330	2,049
Average total loans	$116,858,670	3,072
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4136%	5,001
Cost of funding earning assets	0.3403%	4,061
Net interest margin	3.0733%	4,755
Noninterest income to average assets	0.4422%	3,162
Noninterest expense to average assets	1.5016%	5,395
Loan and lease loss provision to assets	0.0743%	2,283
Net operating income to assets	1.4158%	1,305
Return on assets (ROA)	1.4158%	1,313
Pretax return on assets	1.8316%	853
Return on Equity (ROE)	9.6130%	2,628
Retained earnings to average equity (ytd only)	6.4311%	2,538
Net charge-offs to loans	-0.0271%	4,696
Credit loss provision to net charge-offs	-562.5000%	4,042
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	44.0678%	5,344
Assets per employee ($millions)	7.7793%	690
Cash dividends to net income (ytd only)*	33.1002%	2,063
Condition Ratios (%)
Loss allowance to loans	1.4562%	1,633
Loan loss allowance to noncurrent loans	250.6042%	1,891
Noncurrent assets plus other real estate owned to assets	0.2745%	3,772
Noncurrent loans to loans	0.5811%	2,802
Net loans and leases to total assets	46.5535%	4,769
Net loans and leases to deposits	54.7396%	4,761
Net loans and leases to core deposits	56.2364%	4,833
Total domestic deposits to total assets	85.0454%	2,914
Equity capital to assets	14.7696%	722
Core capital (leverage) ratio	15.2108%	613
Tier 1 risk-based capital ratio	27.2411%	604
Total risk-based capital ratio	28.4656%	595
Memoranda:
Average total assets	$242,408,500	2,570
Average earning assets	$233,886,000	2,502
Average equity	$35,701,500	2,064
Average total loans	$118,164,500	3,089
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3720%	4,980
Cost of funding earning assets	0.2405%	4,640
Net interest margin	3.1315%	4,623
Noninterest income to average assets	0.4409%	3,367
Noninterest expense to average assets	1.5212%	5,466
Loan and lease loss provision to assets	0.0371%	3,528
Net operating income to assets	1.2613%	1,324
Return on assets (ROA)	1.2616%	1,347
Pretax return on assets	1.8986%	605
Return on Equity (ROE)	8.6826%	2,457
Retained earnings to average equity (ytd only)	4.3867%	2,525
Net charge-offs to loans	0.2205%	1,176
Credit loss provision to net charge-offs	35.0195%	3,489
Earnings coverage of net charge-offs (x)	18.2763%	2,084
Efficiency ratio	44.0100%	5,450
Assets per employee ($millions)	7.6144%	732
Cash dividends to net income (ytd only)*	49.4775%	2,312
Condition Ratios (%)
Loss allowance to loans	1.3121%	2,162
Loan loss allowance to noncurrent loans	353.7445%	1,465
Noncurrent assets plus other real estate owned to assets	0.1863%	4,199
Noncurrent loans to loans	0.3709%	3,433
Net loans and leases to total assets	49.5760%	4,675
Net loans and leases to deposits	58.1863%	4,683
Net loans and leases to core deposits	60.0296%	4,755
Total domestic deposits to total assets	85.2023%	2,757
Equity capital to assets	14.6864%	739
Core capital (leverage) ratio	14.8646%	642
Tier 1 risk-based capital ratio	25.1198%	717
Total risk-based capital ratio	26.2301%	710
Memoranda:
Average total assets	$242,709,600	2,543
Average earning assets	$233,718,400	2,470
Average equity	$35,265,800	2,065
Average total loans	$116,557,600	3,100
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3393%	5,053
Cost of funding earning assets	0.2312%	4,734
Net interest margin	3.1081%	4,691
Noninterest income to average assets	0.4509%	3,327
Noninterest expense to average assets	1.5094%	5,509
Loan and lease loss provision to assets	0.0247%	3,647
Net operating income to assets	1.3310%	1,249
Return on assets (ROA)	1.3318%	1,272
Pretax return on assets	1.9114%	665
Return on Equity (ROE)	9.1907%	2,502
Retained earnings to average equity (ytd only)	4.8572%	2,983
Net charge-offs to loans	0.0174%	3,155
Credit loss provision to net charge-offs	300.0000%	979
Earnings coverage of net charge-offs (x)	234.5940%	375
Efficiency ratio	43.8218%	5,486
Assets per employee ($millions)	8.0912%	612
Cash dividends to net income (ytd only)*	47.1512%	1,909
Condition Ratios (%)
Loss allowance to loans	1.5051%	1,516
Loan loss allowance to noncurrent loans	277.8120%	1,687
Noncurrent assets plus other real estate owned to assets	0.2674%	4,003
Noncurrent loans to loans	0.5418%	3,077
Net loans and leases to total assets	48.6094%	4,792
Net loans and leases to deposits	57.2429%	4,805
Net loans and leases to core deposits	58.9986%	4,867
Total domestic deposits to total assets	84.9178%	2,748
Equity capital to assets	14.9087%	747
Core capital (leverage) ratio	14.9726%	670
Tier 1 risk-based capital ratio	25.8692%	688
Total risk-based capital ratio	27.1194%	677
Memoranda:
Average total assets	$242,472,000	2,563
Average earning assets	$233,534,250	2,483
Average equity	$35,136,000	2,077
Average total loans	$115,096,250	3,146
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2942%	5,115
Cost of funding earning assets	0.2212%	4,792
Net interest margin	3.0730%	4,742
Noninterest income to average assets	0.4431%	3,398
Noninterest expense to average assets	1.5009%	5,572
Loan and lease loss provision to assets	0.0000%	3,871
Net operating income to assets	1.3287%	1,220
Return on assets (ROA)	1.3293%	1,242
Pretax return on assets	1.9011%	649
Return on Equity (ROE)	9.2626%	2,385
Retained earnings to average equity (ytd only)	4.3295%	3,128
Net charge-offs to loans	0.0282%	2,648
Credit loss provision to net charge-offs	0.0000%	2,905
Earnings coverage of net charge-offs (x)	143.9375%	518
Efficiency ratio	44.1291%	5,522
Assets per employee ($millions)	7.7287%	685
Cash dividends to net income (ytd only)*	53.2588%	1,729
Condition Ratios (%)
Loss allowance to loans	1.5313%	1,470
Loan loss allowance to noncurrent loans	294.3049%	1,607
Noncurrent assets plus other real estate owned to assets	0.2492%	4,132
Noncurrent loans to loans	0.5203%	3,193
Net loans and leases to total assets	47.1566%	4,871
Net loans and leases to deposits	55.5275%	4,873
Net loans and leases to core deposits	57.2501%	4,938
Total domestic deposits to total assets	84.9247%	2,845
Equity capital to assets	14.9179%	716
Core capital (leverage) ratio	14.8975%	657
Tier 1 risk-based capital ratio	25.8159%	685
Total risk-based capital ratio	27.0661%	670
Memoranda:
Average total assets	$242,383,670	2,574
Average earning assets	$233,319,670	2,496
Average equity	$34,785,000	2,091
Average total loans	$113,529,670	3,173
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2117%	5,228
Cost of funding earning assets	0.2124%	4,862
Net interest margin	2.9993%	4,895
Noninterest income to average assets	0.4250%	3,482
Noninterest expense to average assets	1.4718%	5,651
Loan and lease loss provision to assets	0.0000%	3,537
Net operating income to assets	1.3000%	1,242
Return on assets (ROA)	1.3012%	1,272
Pretax return on assets	1.8508%	721
Return on Equity (ROE)	9.2461%	2,295
Retained earnings to average equity (ytd only)	2.5418%	4,125
Net charge-offs to loans	0.0000%	2,943
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	44.3182%	5,583
Assets per employee ($millions)	7.7929%	673
Cash dividends to net income (ytd only)*	72.5095%	1,112
Condition Ratios (%)
Loss allowance to loans	1.5822%	1,425
Loan loss allowance to noncurrent loans	286.4297%	1,673
Noncurrent assets plus other real estate owned to assets	0.2562%	4,183
Noncurrent loans to loans	0.5524%	3,157
Net loans and leases to total assets	45.6511%	4,959
Net loans and leases to deposits	53.4495%	4,969
Net loans and leases to core deposits	54.8213%	5,032
Total domestic deposits to total assets	85.4098%	2,920
Equity capital to assets	14.3282%	804
Core capital (leverage) ratio	14.1950%	790
Tier 1 risk-based capital ratio	25.9531%	693
Total risk-based capital ratio	27.2040%	677
Memoranda:
Average total assets	$243,780,000	2,583
Average earning assets	$235,386,500	2,510
Average equity	$34,306,500	2,125
Average total loans	$112,924,500	3,200
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1878%	5,320
Cost of funding earning assets	0.2092%	4,931
Net interest margin	2.9786%	5,002
Noninterest income to average assets	0.4187%	3,746
Noninterest expense to average assets	1.5008%	5,717
Loan and lease loss provision to assets	0.0000%	4,332
Net operating income to assets	1.2541%	1,347
Return on assets (ROA)	1.3117%	1,248
Pretax return on assets	1.8829%	640
Return on Equity (ROE)	9.1828%	2,325
Retained earnings to average equity (ytd only)	5.5941%	1,952
Net charge-offs to loans	0.1022%	2,254
Credit loss provision to net charge-offs	0.0000%	3,785
Earnings coverage of net charge-offs (x)	38.3274%	1,211
Efficiency ratio	45.4603%	5,654
Assets per employee ($millions)	7.9348%	626
Cash dividends to net income (ytd only)*	39.0808%	2,901
Condition Ratios (%)
Loss allowance to loans	1.5581%	1,474
Loan loss allowance to noncurrent loans	308.8850%	1,602
Noncurrent assets plus other real estate owned to assets	0.2334%	4,373
Noncurrent loans to loans	0.5044%	3,339
Net loans and leases to total assets	45.5399%	5,040
Net loans and leases to deposits	52.9410%	5,064
Net loans and leases to core deposits	54.1767%	5,142
Total domestic deposits to total assets	86.0200%	2,574
Equity capital to assets	13.8219%	950
Core capital (leverage) ratio	14.1225%	792
Tier 1 risk-based capital ratio	25.3738%	735
Total risk-based capital ratio	26.6241%	724
Memoranda:
Average total assets	$240,531,600	2,571
Average earning assets	$232,792,400	2,493
Average equity	$34,357,600	2,116
Average total loans	$110,538,800	3,209
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1975%	5,359
Cost of funding earning assets	0.2094%	4,982
Net interest margin	2.9881%	5,035
Noninterest income to average assets	0.4142%	3,821
Noninterest expense to average assets	1.5035%	5,756
Loan and lease loss provision to assets	0.0000%	4,186
Net operating income to assets	1.2545%	1,439
Return on assets (ROA)	1.3318%	1,293
Pretax return on assets	1.9160%	682
Return on Equity (ROE)	9.2467%	2,382
Retained earnings to average equity (ytd only)	5.9258%	2,221
Net charge-offs to loans	0.0243%	3,183
Credit loss provision to net charge-offs	0.0000%	3,412
Earnings coverage of net charge-offs (x)	161.9258%	437
Efficiency ratio	45.4346%	5,692
Assets per employee ($millions)	7.7910%	640
Cash dividends to net income (ytd only)*	35.9146%	2,542
Condition Ratios (%)
Loss allowance to loans	1.6688%	1,292
Loan loss allowance to noncurrent loans	501.6129%	1,056
Noncurrent assets plus other real estate owned to assets	0.1540%	4,824
Noncurrent loans to loans	0.3327%	4,063
Net loans and leases to total assets	45.5240%	5,118
Net loans and leases to deposits	53.4724%	5,140
Net loans and leases to core deposits	54.7601%	5,197
Total domestic deposits to total assets	85.1355%	2,741
Equity capital to assets	14.6356%	829
Core capital (leverage) ratio	14.3552%	760
Tier 1 risk-based capital ratio	26.3836%	687
Total risk-based capital ratio	27.6355%	671
Memoranda:
Average total assets	$239,169,500	2,595
Average earning assets	$231,714,000	2,509
Average equity	$34,447,250	2,120
Average total loans	$109,725,500	3,227
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1746%	5,468
Cost of funding earning assets	0.2082%	5,062
Net interest margin	2.9664%	5,138
Noninterest income to average assets	0.4069%	3,825
Noninterest expense to average assets	1.4875%	5,844
Loan and lease loss provision to assets	0.0000%	4,017
Net operating income to assets	1.2511%	1,415
Return on assets (ROA)	1.3357%	1,274
Pretax return on assets	1.9229%	666
Return on Equity (ROE)	9.3244%	2,348
Retained earnings to average equity (ytd only)	5.9800%	2,124
Net charge-offs to loans	0.0550%	2,412
Credit loss provision to net charge-offs	0.0000%	3,050
Earnings coverage of net charge-offs (x)	71.5333%	761
Efficiency ratio	45.2411%	5,782
Assets per employee ($millions)	8.0164%	559
Cash dividends to net income (ytd only)*	35.8668%	2,608
Condition Ratios (%)
Loss allowance to loans	1.6813%	1,316
Loan loss allowance to noncurrent loans	541.1079%	1,003
Noncurrent assets plus other real estate owned to assets	0.1426%	4,941
Noncurrent loans to loans	0.3107%	4,254
Net loans and leases to total assets	45.1292%	5,170
Net loans and leases to deposits	53.0040%	5,201
Net loans and leases to core deposits	54.2153%	5,266
Total domestic deposits to total assets	85.1430%	2,803
Equity capital to assets	14.5735%	852
Core capital (leverage) ratio	14.3123%	745
Tier 1 risk-based capital ratio	25.8694%	733
Total risk-based capital ratio	27.1215%	713
Memoranda:
Average total assets	$238,385,670	2,612
Average earning assets	$231,524,330	2,521
Average equity	$34,147,000	2,141
Average total loans	$109,028,670	3,252
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1756%	5,522
Cost of funding earning assets	0.2101%	5,105
Net interest margin	2.9655%	5,192
Noninterest income to average assets	0.3843%	3,954
Noninterest expense to average assets	1.4865%	5,920
Loan and lease loss provision to assets	0.0000%	3,656
Net operating income to assets	1.2388%	1,431
Return on assets (ROA)	1.2624%	1,459
Pretax return on assets	1.8101%	835
Return on Equity (ROE)	8.8911%	2,476
Retained earnings to average equity (ytd only)	5.4961%	2,655
Net charge-offs to loans	-0.0037%	4,215
Credit loss provision to net charge-offs	0.0000%	2,416
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	45.5579%	5,829
Assets per employee ($millions)	7.8839%	591
Cash dividends to net income (ytd only)*	38.1842%	2,145
Condition Ratios (%)
Loss allowance to loans	1.7954%	1,161
Loan loss allowance to noncurrent loans	492.6893%	1,030
Noncurrent assets plus other real estate owned to assets	0.1619%	4,923
Noncurrent loans to loans	0.3644%	4,126
Net loans and leases to total assets	43.6398%	5,265
Net loans and leases to deposits	51.1132%	5,271
Net loans and leases to core deposits	52.2962%	5,335
Total domestic deposits to total assets	85.3786%	2,964
Equity capital to assets	14.3775%	863
Core capital (leverage) ratio	14.0821%	789
Tier 1 risk-based capital ratio	26.1079%	731
Total risk-based capital ratio	27.3605%	712
Memoranda:
Average total assets	$237,332,500	2,633
Average earning assets	$230,379,500	2,542
Average equity	$33,696,500	2,163
Average total loans	$108,349,000	3,267
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2093%	5,509
Cost of funding earning assets	0.2222%	5,073
Net interest margin	2.9870%	5,171
Noninterest income to average assets	0.4575%	3,608
Noninterest expense to average assets	1.5270%	5,963
Loan and lease loss provision to assets	0.0000%	4,380
Net operating income to assets	1.2829%	1,309
Return on assets (ROA)	1.2917%	1,335
Pretax return on assets	1.8342%	749
Return on Equity (ROE)	9.5172%	2,215
Retained earnings to average equity (ytd only)	5.9571%	1,816
Net charge-offs to loans	0.1813%	1,589
Credit loss provision to net charge-offs	0.0000%	3,899
Earnings coverage of net charge-offs (x)	21.5323%	1,810
Efficiency ratio	45.6008%	5,940
Assets per employee ($millions)	7.9383%	570
Cash dividends to net income (ytd only)*	37.4063%	2,985
Condition Ratios (%)
Loss allowance to loans	1.6900%	1,376
Loan loss allowance to noncurrent loans	513.8965%	1,024
Noncurrent assets plus other real estate owned to assets	0.1541%	4,977
Noncurrent loans to loans	0.3289%	4,282
Net loans and leases to total assets	46.0678%	5,155
Net loans and leases to deposits	53.6868%	5,181
Net loans and leases to core deposits	55.0571%	5,252
Total domestic deposits to total assets	85.8085%	2,732
Equity capital to assets	14.0198%	923
Core capital (leverage) ratio	13.9266%	846
Tier 1 risk-based capital ratio	24.7933%	832
Total risk-based capital ratio	26.0456%	820
Memoranda:
Average total assets	$237,592,200	2,600
Average earning assets	$229,960,200	2,511
Average equity	$32,247,000	2,188
Average total loans	$110,852,200	3,184
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1891%	5,601
Cost of funding earning assets	0.2245%	5,141
Net interest margin	2.9646%	5,278
Noninterest income to average assets	0.4537%	3,686
Noninterest expense to average assets	1.5149%	6,033
Loan and lease loss provision to assets	0.0000%	4,232
Net operating income to assets	1.2760%	1,405
Return on assets (ROA)	1.2808%	1,447
Pretax return on assets	1.8148%	875
Return on Equity (ROE)	9.5153%	2,309
Retained earnings to average equity (ytd only)	6.2073%	2,114
Net charge-offs to loans	0.1663%	1,487
Credit loss provision to net charge-offs	0.0000%	3,517
Earnings coverage of net charge-offs (x)	23.3328%	1,739
Efficiency ratio	45.5897%	5,980
Assets per employee ($millions)	8.4414%	450
Cash dividends to net income (ytd only)*	34.7655%	2,580
Condition Ratios (%)
Loss allowance to loans	1.8187%	1,230
Loan loss allowance to noncurrent loans	426.4770%	1,187
Noncurrent assets plus other real estate owned to assets	0.1933%	4,976
Noncurrent loans to loans	0.4264%	4,073
Net loans and leases to total assets	44.5162%	5,325
Net loans and leases to deposits	51.7981%	5,379
Net loans and leases to core deposits	53.1307%	5,453
Total domestic deposits to total assets	85.9417%	2,558
Equity capital to assets	13.8696%	1,077
Core capital (leverage) ratio	13.6446%	962
Tier 1 risk-based capital ratio	23.7856%	965
Total risk-based capital ratio	25.0376%	955
Memoranda:
Average total assets	$237,453,000	2,610
Average earning assets	$229,819,250	2,529
Average equity	$31,961,750	2,212
Average total loans	$110,666,250	3,216
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1677%	5,664
Cost of funding earning assets	0.2242%	5,202
Net interest margin	2.9435%	5,356
Noninterest income to average assets	0.4533%	3,677
Noninterest expense to average assets	1.4877%	6,120
Loan and lease loss provision to assets	0.0000%	4,069
Net operating income to assets	1.2804%	1,379
Return on assets (ROA)	1.2875%	1,423
Pretax return on assets	1.8241%	858
Return on Equity (ROE)	9.6629%	2,225
Retained earnings to average equity (ytd only)	6.3241%	2,048
Net charge-offs to loans	0.2593%	1,001
Credit loss provision to net charge-offs	0.0000%	3,158
Earnings coverage of net charge-offs (x)	14.8759%	2,022
Efficiency ratio	45.0586%	6,080
Assets per employee ($millions)	9.4148%	323
Cash dividends to net income (ytd only)*	34.5526%	2,639
Condition Ratios (%)
Loss allowance to loans	1.8513%	1,262
Loan loss allowance to noncurrent loans	402.9046%	1,255
Noncurrent assets plus other real estate owned to assets	0.2048%	5,048
Noncurrent loans to loans	0.4595%	4,101
Net loans and leases to total assets	43.7441%	5,394
Net loans and leases to deposits	50.6516%	5,471
Net loans and leases to core deposits	53.3386%	5,464
Total domestic deposits to total assets	86.3627%	2,501
Equity capital to assets	13.4988%	1,171
Core capital (leverage) ratio	13.3285%	1,040
Tier 1 risk-based capital ratio	23.0886%	1,070
Total risk-based capital ratio	24.3409%	1,050
Memoranda:
Average total assets	$237,817,670	2,629
Average earning assets	$230,134,330	2,541
Average equity	$31,688,330	2,234
Average total loans	$111,832,670	3,212
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1922%	5,664
Cost of funding earning assets	0.2196%	5,320
Net interest margin	2.9726%	5,290
Noninterest income to average assets	0.4920%	3,336
Noninterest expense to average assets	1.4441%	6,209
Loan and lease loss provision to assets	0.0000%	3,703
Net operating income to assets	1.3420%	1,159
Return on assets (ROA)	1.3420%	1,225
Pretax return on assets	1.9243%	684
Return on Equity (ROE)	10.1370%	1,938
Retained earnings to average equity (ytd only)	6.7875%	2,104
Net charge-offs to loans	0.0451%	2,351
Credit loss provision to net charge-offs	0.0000%	2,491
Earnings coverage of net charge-offs (x)	88.4615%	542
Efficiency ratio	42.8713%	6,211
Assets per employee ($millions)	8.2658%	483
Cash dividends to net income (ytd only)*	33.0424%	2,255
Condition Ratios (%)
Loss allowance to loans	1.9048%	1,273
Loan loss allowance to noncurrent loans	206.5737%	2,162
Noncurrent assets plus other real estate owned to assets	0.4188%	4,358
Noncurrent loans to loans	0.9221%	2,935
Net loans and leases to total assets	44.5575%	5,307
Net loans and leases to deposits	51.6048%	5,355
Net loans and leases to core deposits	53.3802%	5,403
Total domestic deposits to total assets	86.3438%	2,742
Equity capital to assets	13.3925%	1,223
Core capital (leverage) ratio	13.1209%	1,116
Tier 1 risk-based capital ratio	22.9129%	1,119
Total risk-based capital ratio	24.1110%	1,111
Memoranda:
Average total assets	$239,042,000	2,640
Average earning assets	$231,314,000	2,542
Average equity	$31,646,500	2,248
Average total loans	$115,298,000	3,174
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2984%	5,707
Cost of funding earning assets	0.2025%	5,719
Net interest margin	3.0960%	5,217
Noninterest income to average assets	0.4672%	3,735
Noninterest expense to average assets	1.5043%	6,294
Loan and lease loss provision to assets	0.1060%	2,384
Net operating income to assets	1.3259%	1,247
Return on assets (ROA)	1.3271%	1,290
Pretax return on assets	1.8410%	726
Return on Equity (ROE)	10.7012%	1,817
Retained earnings to average equity (ytd only)	7.0019%	1,412
Net charge-offs to loans	0.0522%	3,791
Credit loss provision to net charge-offs	423.7288%	611
Earnings coverage of net charge-offs (x)	77.7627%	643
Efficiency ratio	43.6087%	6,331
Assets per employee ($millions)	8.2199%	493
Cash dividends to net income (ytd only)*	34.5687%	3,148
Condition Ratios (%)
Loss allowance to loans	1.7147%	1,738
Loan loss allowance to noncurrent loans	184.0388%	2,394
Noncurrent assets plus other real estate owned to assets	0.4757%	4,218
Noncurrent loans to loans	0.9317%	2,987
Net loans and leases to total assets	50.1842%	4,955
Net loans and leases to deposits	57.8098%	5,077
Net loans and leases to core deposits	59.6873%	5,164
Total domestic deposits to total assets	86.8091%	2,386
Equity capital to assets	13.0844%	1,327
Core capital (leverage) ratio	12.9960%	1,141
Tier 1 risk-based capital ratio	21.9930%	1,225
Total risk-based capital ratio	23.2460%	1,202
Memoranda:
Average total assets	$235,855,000	2,651
Average earning assets	$227,199,800	2,550
Average equity	$29,249,000	2,326
Average total loans	$112,973,600	3,160
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2640%	5,820
Cost of funding earning assets	0.1977%	5,852
Net interest margin	3.0662%	5,344
Noninterest income to average assets	0.4705%	3,737
Noninterest expense to average assets	1.4902%	6,360
Loan and lease loss provision to assets	0.0765%	2,806
Net operating income to assets	1.3337%	1,279
Return on assets (ROA)	1.3337%	1,338
Pretax return on assets	1.8569%	786
Return on Equity (ROE)	10.9070%	1,823
Retained earnings to average equity (ytd only)	7.4351%	1,603
Net charge-offs to loans	0.0229%	4,056
Credit loss provision to net charge-offs	710.5263%	428
Earnings coverage of net charge-offs (x)	179.5456%	353
Efficiency ratio	43.5265%	6,378
Assets per employee ($millions)	8.1343%	492
Cash dividends to net income (ytd only)*	31.8317%	2,719
Condition Ratios (%)
Loss allowance to loans	1.8132%	1,668
Loan loss allowance to noncurrent loans	175.5672%	2,391
Noncurrent assets plus other real estate owned to assets	0.4858%	4,427
Noncurrent loans to loans	1.0328%	3,007
Net loans and leases to total assets	46.1871%	5,360
Net loans and leases to deposits	53.1152%	5,453
Net loans and leases to core deposits	54.8536%	5,516
Total domestic deposits to total assets	86.9565%	2,343
Equity capital to assets	12.9066%	1,475
Core capital (leverage) ratio	12.7713%	1,276
Tier 1 risk-based capital ratio	23.8960%	1,000
Total risk-based capital ratio	25.1504%	978
Memoranda:
Average total assets	$235,224,750	2,670
Average earning assets	$226,549,750	2,574
Average equity	$28,763,750	2,371
Average total loans	$110,788,500	3,220
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2544%	5,867
Cost of funding earning assets	0.1912%	5,992
Net interest margin	3.0632%	5,363
Noninterest income to average assets	0.4587%	3,798
Noninterest expense to average assets	1.4851%	6,432
Loan and lease loss provision to assets	0.0766%	2,741
Net operating income to assets	1.3174%	1,255
Return on assets (ROA)	1.3174%	1,303
Pretax return on assets	1.8425%	773
Return on Equity (ROE)	10.9776%	1,751
Retained earnings to average equity (ytd only)	7.5382%	1,507
Net charge-offs to loans	-0.0144%	5,436
Credit loss provision to net charge-offs	-1,125.0000%	5,739
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	43.6250%	6,436
Assets per employee ($millions)	7.9231%	515
Cash dividends to net income (ytd only)*	31.3307%	2,732
Condition Ratios (%)
Loss allowance to loans	1.8484%	1,708
Loan loss allowance to noncurrent loans	156.7610%	2,627
Noncurrent assets plus other real estate owned to assets	0.5351%	4,391
Noncurrent loans to loans	1.1791%	2,877
Net loans and leases to total assets	44.5455%	5,493
Net loans and leases to deposits	50.9570%	5,563
Net loans and leases to core deposits	52.6010%	5,636
Total domestic deposits to total assets	87.4178%	2,236
Equity capital to assets	12.4548%	1,672
Core capital (leverage) ratio	12.5955%	1,349
Tier 1 risk-based capital ratio	24.2933%	949
Total risk-based capital ratio	25.5478%	931
Memoranda:
Average total assets	$235,001,330	2,682
Average earning assets	$225,974,000	2,581
Average equity	$28,203,000	2,394
Average total loans	$110,729,670	3,229
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2791%	5,883
Cost of funding earning assets	0.1839%	6,127
Net interest margin	3.0952%	5,269
Noninterest income to average assets	0.4605%	3,708
Noninterest expense to average assets	1.4808%	6,503
Loan and lease loss provision to assets	0.0770%	2,601
Net operating income to assets	1.3148%	1,176
Return on assets (ROA)	1.3148%	1,221
Pretax return on assets	1.8711%	692
Return on Equity (ROE)	11.1699%	1,632
Retained earnings to average equity (ytd only)	7.6502%	1,749
Net charge-offs to loans	-0.0178%	5,301
Credit loss provision to net charge-offs	-900.0000%	5,308
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	43.1852%	6,518
Assets per employee ($millions)	7.8368%	526
Cash dividends to net income (ytd only)*	31.5104%	2,250
Condition Ratios (%)
Loss allowance to loans	1.8032%	2,030
Loan loss allowance to noncurrent loans	154.4444%	2,597
Noncurrent assets plus other real estate owned to assets	0.5359%	4,541
Noncurrent loans to loans	1.1676%	3,100
Net loans and leases to total assets	45.0747%	5,421
Net loans and leases to deposits	51.3361%	5,493
Net loans and leases to core deposits	53.0343%	5,563
Total domestic deposits to total assets	87.8032%	2,344
Equity capital to assets	12.0245%	1,854
Core capital (leverage) ratio	12.3464%	1,453
Tier 1 risk-based capital ratio	23.4320%	1,085
Total risk-based capital ratio	24.6856%	1,066
Memoranda:
Average total assets	$233,656,000	2,708
Average earning assets	$224,088,500	2,617
Average equity	$27,502,500	2,436
Average total loans	$112,157,000	3,219
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3197%	5,974
Cost of funding earning assets	0.2202%	6,178
Net interest margin	3.0995%	5,317
Noninterest income to average assets	0.4946%	3,797
Noninterest expense to average assets	1.5277%	6,560
Loan and lease loss provision to assets	0.1205%	2,809
Net operating income to assets	1.2903%	1,273
Return on assets (ROA)	1.2931%	1,322
Pretax return on assets	1.8316%	697
Return on Equity (ROE)	11.0987%	1,733
Retained earnings to average equity (ytd only)	6.3326%	1,785
Net charge-offs to loans	0.2791%	2,304
Credit loss provision to net charge-offs	92.1053%	2,702
Earnings coverage of net charge-offs (x)	14.8882%	1,913
Efficiency ratio	43.9505%	6,620
Assets per employee ($millions)	7.7403%	533
Cash dividends to net income (ytd only)*	42.9427%	2,655
Condition Ratios (%)
Loss allowance to loans	1.6289%	2,651
Loan loss allowance to noncurrent loans	136.8953%	2,857
Noncurrent assets plus other real estate owned to assets	0.5964%	4,450
Noncurrent loans to loans	1.1899%	3,160
Net loans and leases to total assets	49.3090%	5,157
Net loans and leases to deposits	55.8068%	5,321
Net loans and leases to core deposits	57.6484%	5,418
Total domestic deposits to total assets	88.3566%	1,976
Equity capital to assets	11.5133%	2,155
Core capital (leverage) ratio	12.2082%	1,490
Tier 1 risk-based capital ratio	21.4089%	1,355
Total risk-based capital ratio	22.6611%	1,336
Memoranda:
Average total assets	$232,311,800	2,700
Average earning assets	$223,454,000	2,583
Average equity	$27,066,200	2,453
Average total loans	$108,902,400	3,262
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2785%	6,094
Cost of funding earning assets	0.2272%	6,247
Net interest margin	3.0513%	5,464
Noninterest income to average assets	0.4947%	3,851
Noninterest expense to average assets	1.5098%	6,633
Loan and lease loss provision to assets	0.1607%	2,250
Net operating income to assets	1.2559%	1,468
Return on assets (ROA)	1.2579%	1,525
Pretax return on assets	1.7635%	972
Return on Equity (ROE)	10.7650%	1,898
Retained earnings to average equity (ytd only)	5.9178%	2,466
Net charge-offs to loans	0.1557%	2,990
Credit loss provision to net charge-offs	224.0000%	1,092
Earnings coverage of net charge-offs (x)	26.7844%	1,334
Efficiency ratio	44.0040%	6,656
Assets per employee ($millions)	7.5020%	585
Cash dividends to net income (ytd only)*	45.0275%	2,085
Condition Ratios (%)
Loss allowance to loans	1.8996%	2,004
Loan loss allowance to noncurrent loans	146.2297%	2,586
Noncurrent assets plus other real estate owned to assets	0.6102%	4,607
Noncurrent loans to loans	1.2991%	3,235
Net loans and leases to total assets	46.0769%	5,545
Net loans and leases to deposits	52.1111%	5,701
Net loans and leases to core deposits	54.1585%	5,754
Total domestic deposits to total assets	88.4207%	1,881
Equity capital to assets	11.4396%	2,343
Core capital (leverage) ratio	11.9951%	1,673
Tier 1 risk-based capital ratio	22.0751%	1,308
Total risk-based capital ratio	23.3294%	1,290
Memoranda:
Average total assets	$232,337,500	2,709
Average earning assets	$223,595,500	2,594
Average equity	$27,149,000	2,468
Average total loans	$107,029,000	3,326
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2255%	6,199
Cost of funding earning assets	0.2333%	6,283
Net interest margin	2.9922%	5,578
Noninterest income to average assets	0.4977%	3,855
Noninterest expense to average assets	1.4914%	6,681
Loan and lease loss provision to assets	0.0517%	3,957
Net operating income to assets	1.3001%	1,323
Return on assets (ROA)	1.3020%	1,402
Pretax return on assets	1.8393%	843
Return on Equity (ROE)	11.0645%	1,794
Retained earnings to average equity (ytd only)	7.4715%	1,684
Net charge-offs to loans	0.2258%	2,378
Credit loss provision to net charge-offs	50.0000%	3,203
Earnings coverage of net charge-offs (x)	18.2750%	1,564
Efficiency ratio	44.1274%	6,704
Assets per employee ($millions)	7.3863%	602
Cash dividends to net income (ytd only)*	32.4735%	2,572
Condition Ratios (%)
Loss allowance to loans	1.7867%	2,476
Loan loss allowance to noncurrent loans	147.3851%	2,546
Noncurrent assets plus other real estate owned to assets	0.5533%	4,877
Noncurrent loans to loans	1.2123%	3,529
Net loans and leases to total assets	44.6510%	5,679
Net loans and leases to deposits	50.4602%	5,807
Net loans and leases to core deposits	52.4711%	5,854
Total domestic deposits to total assets	88.4874%	1,922
Equity capital to assets	11.3942%	2,381
Core capital (leverage) ratio	12.1862%	1,515
Tier 1 risk-based capital ratio	23.3921%	1,075
Total risk-based capital ratio	24.6454%	1,060
Memoranda:
Average total assets	$232,263,000	2,721
Average earning assets	$223,718,330	2,604
Average equity	$27,330,670	2,464
Average total loans	$106,294,670	3,351
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1469%	6,354
Cost of funding earning assets	0.2432%	6,330
Net interest margin	2.9038%	5,804
Noninterest income to average assets	0.5284%	3,582
Noninterest expense to average assets	1.4690%	6,771
Loan and lease loss provision to assets	0.0000%	4,409
Net operating income to assets	1.3131%	1,246
Return on assets (ROA)	1.3168%	1,340
Pretax return on assets	1.8623%	786
Return on Equity (ROE)	11.0193%	1,699
Retained earnings to average equity (ytd only)	7.4988%	1,942
Net charge-offs to loans	0.0745%	3,103
Credit loss provision to net charge-offs	0.0000%	3,239
Earnings coverage of net charge-offs (x)	54.3000%	631
Efficiency ratio	44.1645%	6,769
Assets per employee ($millions)	7.5867%	595
Cash dividends to net income (ytd only)*	31.9481%	2,047
Condition Ratios (%)
Loss allowance to loans	1.8817%	2,360
Loan loss allowance to noncurrent loans	165.3612%	2,202
Noncurrent assets plus other real estate owned to assets	0.4907%	5,147
Noncurrent loans to loans	1.1379%	3,883
Net loans and leases to total assets	42.1248%	5,835
Net loans and leases to deposits	47.9538%	5,924
Net loans and leases to core deposits	49.8242%	5,981
Total domestic deposits to total assets	87.8446%	2,418
Equity capital to assets	11.9143%	2,103
Core capital (leverage) ratio	11.6936%	1,755
Tier 1 risk-based capital ratio	23.7166%	1,057
Total risk-based capital ratio	24.9715%	1,039
Memoranda:
Average total assets	$233,906,500	2,738
Average earning assets	$225,362,500	2,612
Average equity	$27,951,000	2,452
Average total loans	$107,392,000	3,350
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4506%	6,415
Cost of funding earning assets	0.3429%	6,255
Net interest margin	3.1077%	5,795
Noninterest income to average assets	0.6192%	3,171
Noninterest expense to average assets	1.6098%	6,798
Loan and lease loss provision to assets	0.0000%	5,905
Net operating income to assets	1.3510%	1,194
Return on assets (ROA)	1.3538%	1,310
Pretax return on assets	1.9668%	637
Return on Equity (ROE)	11.1519%	1,754
Retained earnings to average equity (ytd only)	6.1646%	1,987
Net charge-offs to loans	0.0250%	5,547
Credit loss provision to net charge-offs	0.0000%	5,483
Earnings coverage of net charge-offs (x)	169.5769%	247
Efficiency ratio	45.0592%	6,816
Assets per employee ($millions)	7.0493%	750
Cash dividends to net income (ytd only)*	44.7221%	2,602
Condition Ratios (%)
Loss allowance to loans	1.6870%	2,981
Loan loss allowance to noncurrent loans	181.4745%	1,996
Noncurrent assets plus other real estate owned to assets	0.4750%	5,285
Noncurrent loans to loans	0.9296%	4,334
Net loans and leases to total assets	48.0995%	5,404
Net loans and leases to deposits	54.7436%	5,577
Net loans and leases to core deposits	56.8999%	5,637
Total domestic deposits to total assets	87.8634%	2,316
Equity capital to assets	11.9853%	2,055
Core capital (leverage) ratio	11.7708%	1,687
Tier 1 risk-based capital ratio	20.9371%	1,479
Total risk-based capital ratio	22.1896%	1,450
Memoranda:
Average total assets	$224,631,000	2,788
Average earning assets	$213,468,600	2,694
Average equity	$27,268,800	2,465
Average total loans	$104,011,000	3,428
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4234%	6,599
Cost of funding earning assets	0.3647%	6,303
Net interest margin	3.0587%	6,048
Noninterest income to average assets	0.6168%	3,175
Noninterest expense to average assets	1.5822%	6,892
Loan and lease loss provision to assets	0.0000%	5,790
Net operating income to assets	1.3145%	1,407
Return on assets (ROA)	1.3181%	1,536
Pretax return on assets	1.9434%	786
Return on Equity (ROE)	10.8225%	2,017
Retained earnings to average equity (ytd only)	7.9657%	1,627
Net charge-offs to loans	0.0171%	5,440
Credit loss provision to net charge-offs	0.0000%	5,158
Earnings coverage of net charge-offs (x)	248.9648%	185
Efficiency ratio	44.9473%	6,867
Assets per employee ($millions)	7.1298%	701
Cash dividends to net income (ytd only)*	26.3972%	2,792
Condition Ratios (%)
Loss allowance to loans	1.8711%	2,578
Loan loss allowance to noncurrent loans	265.8872%	1,386
Noncurrent assets plus other real estate owned to assets	0.3186%	5,898
Noncurrent loans to loans	0.7037%	5,031
Net loans and leases to total assets	44.4334%	5,930
Net loans and leases to deposits	50.7860%	6,054
Net loans and leases to core deposits	53.0178%	6,117
Total domestic deposits to total assets	87.4914%	2,358
Equity capital to assets	12.2702%	2,064
Core capital (leverage) ratio	11.9867%	1,662
Tier 1 risk-based capital ratio	23.3168%	1,126
Total risk-based capital ratio	24.5721%	1,104
Memoranda:
Average total assets	$222,632,250	2,829
Average earning assets	$211,325,250	2,744
Average equity	$27,115,750	2,494
Average total loans	$101,560,750	3,522
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4203%	6,708
Cost of funding earning assets	0.3987%	6,273
Net interest margin	3.0217%	6,197
Noninterest income to average assets	0.6703%	2,831
Noninterest expense to average assets	1.5807%	6,949
Loan and lease loss provision to assets	0.0000%	5,619
Net operating income to assets	1.3053%	1,426
Return on assets (ROA)	1.3107%	1,561
Pretax return on assets	1.9539%	751
Return on Equity (ROE)	10.7894%	2,061
Retained earnings to average equity (ytd only)	8.3139%	1,515
Net charge-offs to loans	-0.0158%	6,384
Credit loss provision to net charge-offs	0.0000%	4,809
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	44.8240%	6,924
Assets per employee ($millions)	6.9610%	742
Cash dividends to net income (ytd only)*	22.9440%	2,880
Condition Ratios (%)
Loss allowance to loans	1.9188%	2,484
Loan loss allowance to noncurrent loans	233.1742%	1,494
Noncurrent assets plus other real estate owned to assets	0.3762%	5,842
Noncurrent loans to loans	0.8229%	4,872
Net loans and leases to total assets	44.8391%	5,936
Net loans and leases to deposits	51.1890%	6,088
Net loans and leases to core deposits	53.6404%	6,120
Total domestic deposits to total assets	87.5952%	2,400
Equity capital to assets	12.2823%	1,945
Core capital (leverage) ratio	12.0138%	1,594
Tier 1 risk-based capital ratio	23.3875%	1,086
Total risk-based capital ratio	24.6432%	1,070
Memoranda:
Average total assets	$220,791,330	2,860
Average earning assets	$208,692,330	2,779
Average equity	$26,822,670	2,499
Average total loans	$100,977,670	3,546
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5000%	6,699
Cost of funding earning assets	0.4348%	6,228
Net interest margin	3.0652%	6,141
Noninterest income to average assets	0.8607%	1,903
Noninterest expense to average assets	1.5814%	6,993
Loan and lease loss provision to assets	0.0000%	5,254
Net operating income to assets	1.4322%	1,162
Return on assets (ROA)	1.4431%	1,268
Pretax return on assets	2.1819%	557
Return on Equity (ROE)	11.9452%	1,686
Retained earnings to average equity (ytd only)	8.8723%	1,633
Net charge-offs to loans	-0.0358%	6,406
Credit loss provision to net charge-offs	0.0000%	3,998
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	42.2050%	7,051
Assets per employee ($millions)	6.7588%	858
Cash dividends to net income (ytd only)*	25.7251%	2,199
Condition Ratios (%)
Loss allowance to loans	2.0279%	2,276
Loan loss allowance to noncurrent loans	157.7885%	2,062
Noncurrent assets plus other real estate owned to assets	0.5555%	5,491
Noncurrent loans to loans	1.2852%	4,188
Net loans and leases to total assets	42.3464%	6,163
Net loans and leases to deposits	48.2291%	6,278
Net loans and leases to core deposits	50.6073%	6,297
Total domestic deposits to total assets	87.8026%	2,455
Equity capital to assets	12.0244%	2,022
Core capital (leverage) ratio	11.9441%	1,619
Tier 1 risk-based capital ratio	24.0949%	996
Total risk-based capital ratio	25.3519%	982
Memoranda:
Average total assets	$219,811,000	2,895
Average earning assets	$206,970,000	2,813
Average equity	$26,554,500	2,515
Average total loans	$100,549,500	3,583
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0148%	6,426
Cost of funding earning assets	0.5665%	6,257
Net interest margin	3.4483%	5,341
Noninterest income to average assets	0.7887%	2,126
Noninterest expense to average assets	1.8636%	6,870
Loan and lease loss provision to assets	0.0671%	5,771
Net operating income to assets	1.4328%	962
Return on assets (ROA)	1.4384%	1,029
Pretax return on assets	2.1407%	414
Return on Equity (ROE)	11.5168%	1,549
Retained earnings to average equity (ytd only)	7.6792%	1,197
Net charge-offs to loans	0.0130%	6,250
Credit loss provision to net charge-offs	1,038.4615%	217
Earnings coverage of net charge-offs (x)	340.6154%	103
Efficiency ratio	45.8680%	7,053
Assets per employee ($millions)	5.8536%	1,328
Cash dividends to net income (ytd only)*	33.3218%	2,960
Condition Ratios (%)
Loss allowance to loans	1.8587%	2,680
Loan loss allowance to noncurrent loans	153.5912%	2,079
Noncurrent assets plus other real estate owned to assets	0.5850%	5,508
Noncurrent loans to loans	1.2102%	4,351
Net loans and leases to total assets	47.4409%	5,883
Net loans and leases to deposits	54.1092%	6,058
Net loans and leases to core deposits	57.3514%	6,052
Total domestic deposits to total assets	87.6763%	2,351
Equity capital to assets	12.1385%	2,022
Core capital (leverage) ratio	11.9330%	1,637
Tier 1 risk-based capital ratio	21.3234%	1,353
Total risk-based capital ratio	22.5777%	1,325
Memoranda:
Average total assets	$201,331,400	3,044
Average earning assets	$191,166,200	2,953
Average equity	$25,145,800	2,563
Average total loans	$100,330,400	3,612
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0722%	6,470
Cost of funding earning assets	0.5872%	6,342
Net interest margin	3.4850%	5,245
Noninterest income to average assets	0.7898%	2,106
Noninterest expense to average assets	1.8428%	6,934
Loan and lease loss provision to assets	0.0911%	5,317
Net operating income to assets	1.4533%	1,043
Return on assets (ROA)	1.4533%	1,117
Pretax return on assets	2.1608%	461
Return on Equity (ROE)	11.5471%	1,668
Retained earnings to average equity (ytd only)	7.9859%	1,514
Net charge-offs to loans	-0.0175%	6,880
Credit loss provision to net charge-offs	-1,038.4615%	6,765
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	45.0049%	7,102
Assets per employee ($millions)	5.5920%	1,508
Cash dividends to net income (ytd only)*	30.8407%	2,438
Condition Ratios (%)
Loss allowance to loans	1.9330%	2,529
Loan loss allowance to noncurrent loans	281.7143%	1,104
Noncurrent assets plus other real estate owned to assets	0.3383%	6,222
Noncurrent loans to loans	0.6861%	5,518
Net loans and leases to total assets	48.3550%	5,912
Net loans and leases to deposits	55.4981%	6,073
Net loans and leases to core deposits	58.7667%	6,070
Total domestic deposits to total assets	87.1292%	2,566
Equity capital to assets	12.5102%	1,912
Core capital (leverage) ratio	12.2076%	1,590
Tier 1 risk-based capital ratio	21.7704%	1,328
Total risk-based capital ratio	23.0259%	1,296
Memoranda:
Average total assets	$197,518,500	3,101
Average earning assets	$187,315,000	3,008
Average equity	$24,859,750	2,595
Average total loans	$99,239,250	3,664
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0587%	6,557
Cost of funding earning assets	0.6040%	6,440
Net interest margin	3.4547%	5,347
Noninterest income to average assets	0.7428%	2,299
Noninterest expense to average assets	1.8509%	7,011
Loan and lease loss provision to assets	0.1389%	4,567
Net operating income to assets	1.3715%	1,142
Return on assets (ROA)	1.3715%	1,216
Pretax return on assets	2.0248%	563
Return on Equity (ROE)	10.8735%	1,838
Retained earnings to average equity (ytd only)	7.4230%	1,690
Net charge-offs to loans	-0.0224%	6,850
Credit loss provision to net charge-offs	-1,227.2727%	6,624
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	46.1046%	7,150
Assets per employee ($millions)	5.3699%	1,693
Cash dividends to net income (ytd only)*	31.7329%	2,410
Condition Ratios (%)
Loss allowance to loans	1.9837%	2,413
Loan loss allowance to noncurrent loans	319.2869%	989
Noncurrent assets plus other real estate owned to assets	0.3790%	6,178
Noncurrent loans to loans	0.6213%	5,683
Net loans and leases to total assets	48.9911%	5,947
Net loans and leases to deposits	56.2344%	6,113
Net loans and leases to core deposits	59.7781%	6,109
Total domestic deposits to total assets	87.1194%	2,670
Equity capital to assets	12.6898%	1,686
Core capital (leverage) ratio	12.3086%	1,451
Tier 1 risk-based capital ratio	22.0159%	1,255
Total risk-based capital ratio	23.2723%	1,223
Memoranda:
Average total assets	$194,390,330	3,160
Average earning assets	$184,098,330	3,071
Average equity	$24,518,330	2,606
Average total loans	$98,312,330	3,735
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0102%	6,682
Cost of funding earning assets	0.6222%	6,512
Net interest margin	3.3880%	5,473
Noninterest income to average assets	0.7324%	2,378
Noninterest expense to average assets	1.8560%	7,063
Loan and lease loss provision to assets	0.2809%	2,908
Net operating income to assets	1.2401%	1,420
Return on assets (ROA)	1.2401%	1,476
Pretax return on assets	1.8019%	816
Return on Equity (ROE)	9.8631%	2,145
Retained earnings to average equity (ytd only)	6.3547%	2,442
Net charge-offs to loans	-0.1022%	7,094
Credit loss provision to net charge-offs	-540.0000%	5,979
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	47.1210%	7,152
Assets per employee ($millions)	5.4522%	1,614
Cash dividends to net income (ytd only)*	35.5705%	1,853
Condition Ratios (%)
Loss allowance to loans	2.0375%	2,317
Loan loss allowance to noncurrent loans	238.4615%	1,259
Noncurrent assets plus other real estate owned to assets	0.4932%	5,992
Noncurrent loans to loans	0.8544%	5,337
Net loans and leases to total assets	48.6005%	6,007
Net loans and leases to deposits	55.5914%	6,163
Net loans and leases to core deposits	58.9414%	6,185
Total domestic deposits to total assets	87.4245%	2,701
Equity capital to assets	12.4064%	1,677
Core capital (leverage) ratio	12.1512%	1,480
Tier 1 risk-based capital ratio	21.8577%	1,249
Total risk-based capital ratio	23.1143%	1,218
Memoranda:
Average total assets	$192,242,000	3,217
Average earning assets	$181,935,000	3,118
Average equity	$24,171,000	2,629
Average total loans	$97,814,000	3,782
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6200%	6,057
Cost of funding earning assets	0.8550%	6,351
Net interest margin	3.7650%	4,087
Noninterest income to average assets	0.8138%	2,212
Noninterest expense to average assets	2.1099%	6,822
Loan and lease loss provision to assets	0.3281%	4,186
Net operating income to assets	1.3300%	1,107
Return on assets (ROA)	1.3300%	1,178
Pretax return on assets	1.9256%	578
Return on Equity (ROE)	10.3146%	1,813
Retained earnings to average equity (ytd only)	6.7053%	1,450
Net charge-offs to loans	0.2532%	4,770
Credit loss provision to net charge-offs	238.0952%	1,220
Earnings coverage of net charge-offs (x)	16.3532%	1,212
Efficiency ratio	48.3519%	7,247
Assets per employee ($millions)	5.2279%	1,826
Cash dividends to net income (ytd only)*	34.9918%	2,819
Condition Ratios (%)
Loss allowance to loans	1.8565%	2,674
Loan loss allowance to noncurrent loans	237.1912%	1,286
Noncurrent assets plus other real estate owned to assets	0.4809%	6,073
Noncurrent loans to loans	0.7827%	5,474
Net loans and leases to total assets	51.2353%	6,020
Net loans and leases to deposits	58.8302%	6,175
Net loans and leases to core deposits	62.5283%	6,192
Total domestic deposits to total assets	87.0902%	2,773
Equity capital to assets	12.7472%	1,503
Core capital (leverage) ratio	12.3573%	1,371
Tier 1 risk-based capital ratio	21.6065%	1,230
Total risk-based capital ratio	22.8615%	1,206
Memoranda:
Average total assets	$182,851,800	3,331
Average earning assets	$172,404,200	3,237
Average equity	$23,578,200	2,694
Average total loans	$99,508,800	3,808
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6994%	6,020
Cost of funding earning assets	0.8953%	6,410
Net interest margin	3.8041%	3,956
Noninterest income to average assets	0.7838%	2,309
Noninterest expense to average assets	2.0788%	6,894
Loan and lease loss provision to assets	0.3416%	3,874
Net operating income to assets	1.3589%	1,197
Return on assets (ROA)	1.3589%	1,280
Pretax return on assets	1.9466%	709
Return on Equity (ROE)	10.5074%	1,931
Retained earnings to average equity (ytd only)	7.1507%	1,779
Net charge-offs to loans	0.0160%	6,455
Credit loss provision to net charge-offs	3,875.0000%	75
Earnings coverage of net charge-offs (x)	259.5769%	127
Efficiency ratio	47.6030%	7,292
Assets per employee ($millions)	5.1952%	1,940
Cash dividends to net income (ytd only)*	31.9459%	2,451
Condition Ratios (%)
Loss allowance to loans	1.9884%	2,254
Loan loss allowance to noncurrent loans	246.9910%	1,180
Noncurrent assets plus other real estate owned to assets	0.4903%	6,202
Noncurrent loans to loans	0.8050%	5,606
Net loans and leases to total assets	50.8394%	6,235
Net loans and leases to deposits	58.7551%	6,403
Net loans and leases to core deposits	62.8094%	6,390
Total domestic deposits to total assets	86.5277%	2,794
Equity capital to assets	12.9809%	1,581
Core capital (leverage) ratio	12.5503%	1,382
Tier 1 risk-based capital ratio	21.7507%	1,247
Total risk-based capital ratio	23.0072%	1,221
Memoranda:
Average total assets	$181,513,250	3,404
Average earning assets	$170,969,000	3,305
Average equity	$23,475,000	2,753
Average total loans	$99,823,000	3,864
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7499%	5,975
Cost of funding earning assets	0.9256%	6,481
Net interest margin	3.8243%	3,791
Noninterest income to average assets	0.7547%	2,361
Noninterest expense to average assets	2.0993%	6,910
Loan and lease loss provision to assets	0.3339%	3,731
Net operating income to assets	1.3391%	1,218
Return on assets (ROA)	1.3391%	1,291
Pretax return on assets	1.9224%	711
Return on Equity (ROE)	10.3674%	1,975
Retained earnings to average equity (ytd only)	6.9719%	1,845
Net charge-offs to loans	0.0159%	6,118
Credit loss provision to net charge-offs	3,750.0000%	103
Earnings coverage of net charge-offs (x)	253.3750%	130
Efficiency ratio	48.1983%	7,340
Assets per employee ($millions)	4.9501%	2,243
Cash dividends to net income (ytd only)*	32.7515%	2,402
Condition Ratios (%)
Loss allowance to loans	1.7453%	2,917
Loan loss allowance to noncurrent loans	176.9770%	1,601
Noncurrent assets plus other real estate owned to assets	0.6369%	5,896
Noncurrent loans to loans	0.9862%	5,334
Net loans and leases to total assets	55.8546%	5,724
Net loans and leases to deposits	64.6216%	5,966
Net loans and leases to core deposits	69.5599%	5,916
Total domestic deposits to total assets	86.4334%	2,856
Equity capital to assets	13.2541%	1,453
Core capital (leverage) ratio	12.7259%	1,318
Tier 1 risk-based capital ratio	19.9250%	1,529
Total risk-based capital ratio	21.1704%	1,492
Memoranda:
Average total assets	$179,675,000	3,446
Average earning assets	$169,182,330	3,352
Average equity	$23,207,330	2,769
Average total loans	$100,759,670	3,870
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6915%	6,273
Cost of funding earning assets	0.9576%	6,547
Net interest margin	3.7338%	4,085
Noninterest income to average assets	0.7538%	2,279
Noninterest expense to average assets	2.0841%	6,989
Loan and lease loss provision to assets	0.2993%	3,640
Net operating income to assets	1.3081%	1,280
Return on assets (ROA)	1.3081%	1,352
Pretax return on assets	1.8801%	760
Return on Equity (ROE)	10.2602%	2,016
Retained earnings to average equity (ytd only)	6.8343%	2,202
Net charge-offs to loans	-0.0040%	6,801
Credit loss provision to net charge-offs	-13,500.0000%	6,712
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	48.8820%	7,382
Assets per employee ($millions)	5.1485%	2,029
Cash dividends to net income (ytd only)*	33.3898%	1,939
Condition Ratios (%)
Loss allowance to loans	1.6311%	3,321
Loan loss allowance to noncurrent loans	142.5287%	1,963
Noncurrent assets plus other real estate owned to assets	0.6276%	5,946
Noncurrent loans to loans	1.1444%	5,085
Net loans and leases to total assets	53.9504%	6,029
Net loans and leases to deposits	62.4888%	6,233
Net loans and leases to core deposits	67.1834%	6,185
Total domestic deposits to total assets	86.3361%	2,969
Equity capital to assets	12.8398%	1,584
Core capital (leverage) ratio	12.5113%	1,399
Tier 1 risk-based capital ratio	18.6192%	1,809
Total risk-based capital ratio	19.7972%	1,790
Memoranda:
Average total assets	$180,411,500	3,495
Average earning assets	$169,585,000	3,407
Average equity	$23,001,500	2,820
Average total loans	$100,488,500	3,946
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0016%	6,426
Cost of funding earning assets	1.1834%	6,718
Net interest margin	3.8182%	3,626
Noninterest income to average assets	0.8302%	2,269
Noninterest expense to average assets	2.3203%	6,692
Loan and lease loss provision to assets	0.2276%	5,549
Net operating income to assets	1.2910%	1,050
Return on assets (ROA)	1.2910%	1,100
Pretax return on assets	1.8162%	614
Return on Equity (ROE)	10.1689%	1,644
Retained earnings to average equity (ytd only)	5.5752%	1,541
Net charge-offs to loans	0.2078%	5,331
Credit loss provision to net charge-offs	195.1220%	2,032
Earnings coverage of net charge-offs (x)	17.5220%	1,180
Efficiency ratio	53.1682%	7,308
Assets per employee ($millions)	5.1607%	1,997
Cash dividends to net income (ytd only)*	45.1741%	2,692
Condition Ratios (%)
Loss allowance to loans	1.4450%	4,006
Loan loss allowance to noncurrent loans	197.3262%	1,507
Noncurrent assets plus other real estate owned to assets	0.4141%	6,426
Noncurrent loans to loans	0.7323%	5,789
Net loans and leases to total assets	55.7351%	5,992
Net loans and leases to deposits	64.3436%	6,227
Net loans and leases to core deposits	80.1395%	6,086
Total domestic deposits to total assets	86.6210%	2,697
Equity capital to assets	12.6593%	1,670
Core capital (leverage) ratio	12.1455%	1,602
Tier 1 risk-based capital ratio	18.7215%	1,714
Total risk-based capital ratio	19.9697%	1,677
Memoranda:
Average total assets	$175,750,400	3,512
Average earning assets	$162,667,200	3,470
Average equity	$22,313,200	2,909
Average total loans	$98,650,800	3,992
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0568%	6,428
Cost of funding earning assets	1.2267%	6,814
Net interest margin	3.8301%	3,525
Noninterest income to average assets	0.8487%	2,210
Noninterest expense to average assets	2.3124%	6,666
Loan and lease loss provision to assets	0.1260%	6,092
Net operating income to assets	1.3445%	1,133
Return on assets (ROA)	1.3445%	1,197
Pretax return on assets	1.9381%	607
Return on Equity (ROE)	10.5822%	1,740
Retained earnings to average equity (ytd only)	5.9645%	1,969
Net charge-offs to loans	0.0764%	5,918
Credit loss provision to net charge-offs	294.6429%	1,406
Earnings coverage of net charge-offs (x)	48.2531%	657
Efficiency ratio	52.8364%	7,346
Assets per employee ($millions)	4.9709%	2,186
Cash dividends to net income (ytd only)*	43.6361%	2,286
Condition Ratios (%)
Loss allowance to loans	1.4395%	3,743
Loan loss allowance to noncurrent loans	133.1418%	2,133
Noncurrent assets plus other real estate owned to assets	0.5834%	5,993
Noncurrent loans to loans	1.0812%	5,144
Net loans and leases to total assets	53.1824%	6,473
Net loans and leases to deposits	61.9188%	6,681
Net loans and leases to core deposits	77.0534%	6,557
Total domestic deposits to total assets	85.8906%	2,754
Equity capital to assets	12.8822%	1,742
Core capital (leverage) ratio	12.2004%	1,709
Tier 1 risk-based capital ratio	19.4167%	1,660
Total risk-based capital ratio	20.6584%	1,624
Memoranda:
Average total assets	$174,531,500	3,542
Average earning assets	$160,756,000	3,537
Average equity	$22,175,000	2,953
Average total loans	$97,776,500	4,044
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1199%	6,354
Cost of funding earning assets	1.2193%	7,049
Net interest margin	3.9006%	3,112
Noninterest income to average assets	0.8668%	2,110
Noninterest expense to average assets	2.3934%	6,484
Loan and lease loss provision to assets	0.1040%	6,130
Net operating income to assets	1.3568%	1,108
Return on assets (ROA)	1.3568%	1,179
Pretax return on assets	1.9554%	622
Return on Equity (ROE)	10.7301%	1,779
Retained earnings to average equity (ytd only)	6.6081%	1,744
Net charge-offs to loans	-0.0326%	7,788
Credit loss provision to net charge-offs	-562.5000%	7,066
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	53.7503%	7,356
Assets per employee ($millions)	4.8354%	2,277
Cash dividends to net income (ytd only)*	38.4157%	2,506
Condition Ratios (%)
Loss allowance to loans	1.4484%	3,474
Loan loss allowance to noncurrent loans	161.2791%	1,836
Noncurrent assets plus other real estate owned to assets	0.4940%	6,204
Noncurrent loans to loans	0.8981%	5,416
Net loans and leases to total assets	54.2131%	6,418
Net loans and leases to deposits	63.1019%	6,646
Net loans and leases to core deposits	77.1120%	6,602
Total domestic deposits to total assets	85.9136%	2,834
Equity capital to assets	12.7611%	1,806
Core capital (leverage) ratio	12.5449%	1,602
Tier 1 risk-based capital ratio	18.1847%	1,960
Total risk-based capital ratio	19.3596%	1,930
Memoranda:
Average total assets	$173,058,000	3,586
Average earning assets	$159,103,330	3,578
Average equity	$21,882,330	2,985
Average total loans	$98,181,670	4,060
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0358%	6,844
Cost of funding earning assets	1.2318%	7,222
Net interest margin	3.8040%	3,428
Noninterest income to average assets	0.7233%	2,742
Noninterest expense to average assets	2.0864%	7,151
Loan and lease loss provision to assets	0.1043%	5,635
Net operating income to assets	1.4535%	1,035
Return on assets (ROA)	1.4535%	1,109
Pretax return on assets	2.1049%	537
Return on Equity (ROE)	11.5488%	1,797
Retained earnings to average equity (ytd only)	7.9018%	1,849
Net charge-offs to loans	-0.0604%	7,757
Credit loss provision to net charge-offs	-300.0000%	6,322
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	48.5699%	7,696
Assets per employee ($millions)	5.0097%	2,065
Cash dividends to net income (ytd only)*	31.5789%	2,280
Condition Ratios (%)
Loss allowance to loans	1.4094%	3,451
Loan loss allowance to noncurrent loans	200.7485%	1,650
Noncurrent assets plus other real estate owned to assets	0.3922%	6,328
Noncurrent loans to loans	0.7021%	5,658
Net loans and leases to total assets	55.0722%	6,348
Net loans and leases to deposits	64.4017%	6,515
Net loans and leases to core deposits	78.9206%	6,468
Total domestic deposits to total assets	85.5135%	2,960
Equity capital to assets	12.8814%	1,794
Core capital (leverage) ratio	12.2152%	1,808
Tier 1 risk-based capital ratio	18.5299%	1,923
Total risk-based capital ratio	19.7035%	1,905
Memoranda:
Average total assets	$172,549,000	3,611
Average earning assets	$162,040,500	3,540
Average equity	$21,716,500	3,015
Average total loans	$99,393,000	4,054
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7252%	6,694
Cost of funding earning assets	1.8018%	7,002
Net interest margin	3.9234%	3,467
Noninterest income to average assets	0.8189%	2,409
Noninterest expense to average assets	2.0476%	7,352
Loan and lease loss provision to assets	0.0856%	6,315
Net operating income to assets	1.6024%	835
Return on assets (ROA)	1.6024%	798
Pretax return on assets	2.3357%	279
Return on Equity (ROE)	13.4830%	1,221
Retained earnings to average equity (ytd only)	8.8380%	636
Net charge-offs to loans	0.2522%	3,756
Credit loss provision to net charge-offs	57.3123%	6,260
Earnings coverage of net charge-offs (x)	16.2095%	1,863
Efficiency ratio	45.8185%	7,938
Assets per employee ($millions)	4.8546%	2,109
Cash dividends to net income (ytd only)*	34.4510%	3,917
Condition Ratios (%)
Loss allowance to loans	1.2360%	4,267
Loan loss allowance to noncurrent loans	224.3433%	1,745
Noncurrent assets plus other real estate owned to assets	0.3267%	6,302
Noncurrent loans to loans	0.5509%	5,713
Net loans and leases to total assets	58.5688%	6,119
Net loans and leases to deposits	67.8818%	6,474
Net loans and leases to core deposits	82.6783%	6,402
Total domestic deposits to total assets	86.2806%	2,269
Equity capital to assets	12.2975%	2,113
Core capital (leverage) ratio	12.0779%	1,928
Tier 1 risk-based capital ratio	17.5232%	2,175
Total risk-based capital ratio	18.6053%	2,173
Memoranda:
Average total assets	$169,370,600	3,564
Average earning assets	$157,567,200	3,514
Average equity	$20,129,000	3,211
Average total loans	$100,298,000	3,938