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Community Partners Savings Bank, Performance and Condition Ratios

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2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2664%	3,494
Cost of funding earning assets	1.4708%	2,018
Net interest margin	2.7957%	3,675
Noninterest income to average assets	0.4300%	2,344
Noninterest expense to average assets	2.7118%	1,706
Loan and lease loss provision to assets	-0.0100%	4,255
Net operating income to assets	0.2572%	4,087
Return on assets (ROA)	-0.1285%	4,421
Pretax return on assets	-0.1882%	4,423
Return on Equity (ROE)	-1.6700%	4,411
Retained earnings to average equity (ytd only)	-1.6701%	4,240
Net charge-offs to loans	0.0770%	1,097
Credit loss provision to net charge-offs	-28.2609%	4,444
Earnings coverage of net charge-offs (x)	7.5326%	2,398
Efficiency ratio	89.5717%	424
Assets per employee ($millions)	4.9463%	3,680
Cash dividends to net income (ytd only)*	0.0000%	3,404
Condition Ratios (%)
Loss allowance to loans	0.6839%	4,152
Loan loss allowance to noncurrent loans	90.9958%	3,297
Noncurrent assets plus other real estate owned to assets	0.4084%	1,360
Noncurrent loans to loans	0.7516%	1,040
Net loans and leases to total assets	50.4400%	3,572
Net loans and leases to deposits	61.3930%	3,446
Net loans and leases to core deposits	67.1799%	3,447
Total domestic deposits to total assets	82.1500%	3,104
Equity capital to assets	7.9331%	3,459
Core capital (leverage) ratio	11.3178%	1,747
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.5110%	573
Memoranda:
Average total assets	$239,656,600	2,740
Average earning assets	$220,089,600	2,739
Average equity	$18,442,200	2,978
Average total loans	$119,509,800	2,960
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1569%	3,543
Cost of funding earning assets	1.3359%	2,043
Net interest margin	2.8210%	3,698
Noninterest income to average assets	0.4300%	2,306
Noninterest expense to average assets	2.7217%	1,601
Loan and lease loss provision to assets	-0.0300%	4,416
Net operating income to assets	0.2773%	4,142
Return on assets (ROA)	-0.2406%	4,492
Pretax return on assets	-0.3348%	4,493
Return on Equity (ROE)	-3.1500%	4,475
Retained earnings to average equity (ytd only)	-3.1518%	4,369
Net charge-offs to loans	0.0836%	889
Credit loss provision to net charge-offs	-67.5676%	4,513
Earnings coverage of net charge-offs (x)	7.0541%	2,252
Efficiency ratio	89.4884%	393
Assets per employee ($millions)	4.7164%	3,798
Cash dividends to net income (ytd only)*	0.0000%	3,002
Condition Ratios (%)
Loss allowance to loans	0.7102%	4,119
Loan loss allowance to noncurrent loans	90.2646%	3,297
Noncurrent assets plus other real estate owned to assets	0.4923%	1,179
Noncurrent loans to loans	0.7868%	1,055
Net loans and leases to total assets	50.5700%	3,581
Net loans and leases to deposits	58.6440%	3,574
Net loans and leases to core deposits	64.5906%	3,501
Total domestic deposits to total assets	86.2300%	2,124
Equity capital to assets	6.9846%	3,619
Core capital (leverage) ratio	11.3743%	1,742
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.2472%	535
Memoranda:
Average total assets	$237,741,500	2,761
Average earning assets	$218,170,250	2,765
Average equity	$18,147,750	2,992
Average total loans	$117,988,250	2,978
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9992%	3,691
Cost of funding earning assets	1.1937%	2,013
Net interest margin	2.8055%	3,811
Noninterest income to average assets	0.4300%	2,254
Noninterest expense to average assets	2.7578%	1,502
Loan and lease loss provision to assets	-0.0400%	4,482
Net operating income to assets	0.1995%	4,278
Return on assets (ROA)	0.1703%	4,339
Pretax return on assets	0.2601%	4,264
Return on Equity (ROE)	2.1700%	4,249
Retained earnings to average equity (ytd only)	2.1703%	3,682
Net charge-offs to loans	0.0887%	735
Credit loss provision to net charge-offs	-96.1538%	4,540
Earnings coverage of net charge-offs (x)	5.8462%	2,149
Efficiency ratio	90.7547%	334
Assets per employee ($millions)	4.9453%	3,638
Cash dividends to net income (ytd only)*	0.0000%	2,909
Condition Ratios (%)
Loss allowance to loans	0.7526%	4,098
Loan loss allowance to noncurrent loans	54.5852%	3,612
Noncurrent assets plus other real estate owned to assets	0.6753%	777
Noncurrent loans to loans	1.3787%	509
Net loans and leases to total assets	48.6100%	3,656
Net loans and leases to deposits	56.1581%	3,640
Net loans and leases to core deposits	62.1689%	3,535
Total domestic deposits to total assets	86.5700%	2,072
Equity capital to assets	7.7557%	3,368
Core capital (leverage) ratio	11.6485%	1,538
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	23.7803%	446
Memoranda:
Average total assets	$238,382,000	2,762
Average earning assets	$219,143,667	2,766
Average equity	$18,706,667	2,970
Average total loans	$117,281,667	2,983
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8852%	3,701
Cost of funding earning assets	1.0427%	1,902
Net interest margin	2.8425%	3,881
Noninterest income to average assets	0.4200%	2,267
Noninterest expense to average assets	2.8345%	1,363
Loan and lease loss provision to assets	-0.0500%	4,518
Net operating income to assets	0.2511%	4,307
Return on assets (ROA)	0.1775%	4,349
Pretax return on assets	0.1724%	4,362
Return on Equity (ROE)	2.2500%	4,273
Retained earnings to average equity (ytd only)	2.2461%	3,661
Net charge-offs to loans	-0.0815%	4,461
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	92.7624%	287
Assets per employee ($millions)	5.2064%	3,498
Cash dividends to net income (ytd only)*	0.0000%	2,306
Condition Ratios (%)
Loss allowance to loans	0.8350%	4,022
Loan loss allowance to noncurrent loans	62.1241%	3,613
Noncurrent assets plus other real estate owned to assets	0.6990%	698
Noncurrent loans to loans	1.3441%	490
Net loans and leases to total assets	48.1500%	3,619
Net loans and leases to deposits	55.2341%	3,618
Net loans and leases to core deposits	60.4711%	3,518
Total domestic deposits to total assets	87.1700%	2,205
Equity capital to assets	8.1016%	3,168
Core capital (leverage) ratio	11.5985%	1,508
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	23.9318%	445
Memoranda:
Average total assets	$238,917,000	2,800
Average earning assets	$219,809,000	2,798
Average equity	$18,877,500	2,990
Average total loans	$117,787,000	3,005
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6194%	2,743
Cost of funding earning assets	0.5061%	1,345
Net interest margin	3.1132%	3,139
Noninterest income to average assets	0.4100%	2,635
Noninterest expense to average assets	2.7028%	1,553
Loan and lease loss provision to assets	-0.0500%	4,417
Net operating income to assets	0.5033%	4,084
Return on assets (ROA)	0.4991%	4,050
Pretax return on assets	0.6328%	3,971
Return on Equity (ROE)	5.7700%	3,874
Retained earnings to average equity (ytd only)	5.7665%	2,729
Net charge-offs to loans	0.1292%	609
Credit loss provision to net charge-offs	-76.9231%	4,571
Earnings coverage of net charge-offs (x)	9.1154%	2,236
Efficiency ratio	81.4032%	630
Assets per employee ($millions)	5.0710%	3,618
Cash dividends to net income (ytd only)*	0.0000%	3,453
Condition Ratios (%)
Loss allowance to loans	0.8190%	3,994
Loan loss allowance to noncurrent loans	50.1798%	3,695
Noncurrent assets plus other real estate owned to assets	0.8375%	552
Noncurrent loans to loans	1.6322%	388
Net loans and leases to total assets	49.6400%	3,529
Net loans and leases to deposits	56.9611%	3,518
Net loans and leases to core deposits	60.7672%	3,465
Total domestic deposits to total assets	87.1500%	2,346
Equity capital to assets	7.7000%	3,255
Core capital (leverage) ratio	11.5789%	1,476
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	23.2120%	465
Memoranda:
Average total assets	$241,640,000	2,775
Average earning assets	$223,657,000	2,782
Average equity	$20,914,000	2,864
Average total loans	$120,714,000	2,911
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5536%	2,456
Cost of funding earning assets	0.4075%	1,238
Net interest margin	3.1461%	2,787
Noninterest income to average assets	0.4200%	2,617
Noninterest expense to average assets	2.7456%	1,361
Loan and lease loss provision to assets	-0.0500%	4,490
Net operating income to assets	0.4870%	4,103
Return on assets (ROA)	0.4861%	4,052
Pretax return on assets	0.6351%	3,925
Return on Equity (ROE)	5.4700%	3,886
Retained earnings to average equity (ytd only)	5.4682%	2,929
Net charge-offs to loans	0.1200%	524
Credit loss provision to net charge-offs	-82.5688%	4,640
Earnings coverage of net charge-offs (x)	9.7890%	2,009
Efficiency ratio	81.6997%	670
Assets per employee ($millions)	4.9201%	3,746
Cash dividends to net income (ytd only)*	0.0000%	3,071
Condition Ratios (%)
Loss allowance to loans	0.8779%	3,920
Loan loss allowance to noncurrent loans	71.3609%	3,619
Noncurrent assets plus other real estate owned to assets	0.6438%	818
Noncurrent loans to loans	1.2302%	592
Net loans and leases to total assets	49.3600%	3,505
Net loans and leases to deposits	56.7712%	3,419
Net loans and leases to core deposits	60.0613%	3,383
Total domestic deposits to total assets	86.9500%	2,780
Equity capital to assets	7.2788%	3,354
Core capital (leverage) ratio	11.3331%	1,526
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.6932%	513
Memoranda:
Average total assets	$242,465,250	2,792
Average earning assets	$224,781,750	2,794
Average equity	$21,554,500	2,852
Average total loans	$121,070,750	2,920
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4674%	2,231
Cost of funding earning assets	0.3429%	1,337
Net interest margin	3.1244%	2,459
Noninterest income to average assets	0.4141%	2,668
Noninterest expense to average assets	2.7844%	1,201
Loan and lease loss provision to assets	-0.0494%	4,516
Net operating income to assets	0.4451%	4,011
Return on assets (ROA)	0.4438%	3,969
Pretax return on assets	0.5804%	3,851
Return on Equity (ROE)	4.7095%	3,871
Retained earnings to average equity (ytd only)	4.7095%	2,811
Net charge-offs to loans	0.1796%	358
Credit loss provision to net charge-offs	-55.0459%	3,051
Earnings coverage of net charge-offs (x)	5.9358%	1,916
Efficiency ratio	83.2465%	723
Assets per employee ($millions)	5.0744%	3,616
Cash dividends to net income (ytd only)*	0.0000%	2,927
Condition Ratios (%)
Loss allowance to loans	0.9101%	3,924
Loan loss allowance to noncurrent loans	73.4915%	3,611
Noncurrent assets plus other real estate owned to assets	0.6253%	885
Noncurrent loans to loans	1.2384%	636
Net loans and leases to total assets	48.4532%	3,513
Net loans and leases to deposits	56.3106%	3,353
Net loans and leases to core deposits	59.1560%	3,336
Total domestic deposits to total assets	86.0464%	3,232
Equity capital to assets	8.2461%	2,947
Core capital (leverage) ratio	11.1786%	1,502
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.8680%	484
Memoranda:
Average total assets	$242,925,333	2,810
Average earning assets	$225,704,667	2,822
Average equity	$22,890,000	2,826
Average total loans	$121,407,667	2,930
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4873%	1,849
Cost of funding earning assets	0.3169%	1,494
Net interest margin	3.1705%	1,971
Noninterest income to average assets	0.4221%	2,542
Noninterest expense to average assets	2.9445%	893
Loan and lease loss provision to assets	-0.0495%	4,512
Net operating income to assets	0.4037%	3,942
Return on assets (ROA)	0.4023%	3,913
Pretax return on assets	0.4781%	3,909
Return on Equity (ROE)	4.0136%	3,877
Retained earnings to average equity (ytd only)	4.0136%	2,932
Net charge-offs to loans	0.2023%	304
Credit loss provision to net charge-offs	-48.3871%	2,815
Earnings coverage of net charge-offs (x)	4.2097%	1,634
Efficiency ratio	86.5657%	705
Assets per employee ($millions)	4.6130%	4,068
Cash dividends to net income (ytd only)*	0.0000%	2,254
Condition Ratios (%)
Loss allowance to loans	0.9537%	3,893
Loan loss allowance to noncurrent loans	99.6567%	3,391
Noncurrent assets plus other real estate owned to assets	0.5579%	1,080
Noncurrent loans to loans	0.9570%	950
Net loans and leases to total assets	49.3159%	3,242
Net loans and leases to deposits	60.4273%	2,865
Net loans and leases to core deposits	63.6417%	2,822
Total domestic deposits to total assets	81.6120%	4,126
Equity capital to assets	9.1607%	2,563
Core capital (leverage) ratio	11.1346%	1,432
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.6100%	513
Memoranda:
Average total assets	$242,620,500	2,827
Average earning assets	$225,961,500	2,831
Average equity	$24,317,500	2,817
Average total loans	$122,560,500	2,924
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8189%	1,822
Cost of funding earning assets	0.4037%	1,522
Net interest margin	3.4152%	1,976
Noninterest income to average assets	0.4800%	2,678
Noninterest expense to average assets	2.8200%	1,311
Loan and lease loss provision to assets	0.0320%	2,407
Net operating income to assets	0.6320%	3,802
Return on assets (ROA)	0.6529%	3,800
Pretax return on assets	0.8408%	3,642
Return on Equity (ROE)	5.9006%	3,796
Retained earnings to average equity (ytd only)	5.9006%	2,403
Net charge-offs to loans	0.0671%	1,123
Credit loss provision to net charge-offs	88.2353%	1,894
Earnings coverage of net charge-offs (x)	23.3176%	1,782
Efficiency ratio	76.2637%	1,085
Assets per employee ($millions)	4.7206%	3,949
Cash dividends to net income (ytd only)*	0.0000%	3,588
Condition Ratios (%)
Loss allowance to loans	1.0155%	3,675
Loan loss allowance to noncurrent loans	82.3259%	3,569
Noncurrent assets plus other real estate owned to assets	0.7252%	863
Noncurrent loans to loans	1.2335%	780
Net loans and leases to total assets	50.7306%	3,197
Net loans and leases to deposits	61.5220%	2,933
Net loans and leases to core deposits	63.1856%	3,059
Total domestic deposits to total assets	82.4594%	3,898
Equity capital to assets	10.8984%	1,856
Core capital (leverage) ratio	11.0139%	1,557
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.7705%	508
Memoranda:
Average total assets	$234,180,800	2,825
Average earning assets	$218,494,000	2,823
Average equity	$25,912,600	2,789
Average total loans	$126,590,600	2,894
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9535%	1,635
Cost of funding earning assets	0.4223%	1,542
Net interest margin	3.5313%	1,779
Noninterest income to average assets	0.4948%	2,645
Noninterest expense to average assets	2.8783%	1,169
Loan and lease loss provision to assets	0.0430%	2,135
Net operating income to assets	0.6782%	3,822
Return on assets (ROA)	0.6949%	3,845
Pretax return on assets	0.8887%	3,719
Return on Equity (ROE)	6.2558%	3,857
Retained earnings to average equity (ytd only)	6.2558%	2,722
Net charge-offs to loans	0.0890%	810
Credit loss provision to net charge-offs	88.2353%	1,671
Earnings coverage of net charge-offs (x)	18.6824%	1,779
Efficiency ratio	75.3329%	1,089
Assets per employee ($millions)	4.5980%	4,048
Cash dividends to net income (ytd only)*	0.0000%	3,236
Condition Ratios (%)
Loss allowance to loans	1.0104%	3,805
Loan loss allowance to noncurrent loans	69.4568%	3,745
Noncurrent assets plus other real estate owned to assets	0.9147%	746
Noncurrent loans to loans	1.4547%	727
Net loans and leases to total assets	52.3497%	3,167
Net loans and leases to deposits	64.6153%	2,777
Net loans and leases to core deposits	67.3163%	2,833
Total domestic deposits to total assets	81.0176%	4,090
Equity capital to assets	11.1452%	1,918
Core capital (leverage) ratio	10.9449%	1,707
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.7173%	553
Memoranda:
Average total assets	$232,538,500	2,865
Average earning assets	$216,914,500	2,857
Average equity	$25,831,250	2,831
Average total loans	$127,391,500	2,918
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0451%	1,466
Cost of funding earning assets	0.4422%	1,580
Net interest margin	3.6029%	1,585
Noninterest income to average assets	0.5054%	2,599
Noninterest expense to average assets	2.9170%	1,119
Loan and lease loss provision to assets	0.0647%	1,747
Net operating income to assets	0.6934%	3,778
Return on assets (ROA)	0.6900%	3,848
Pretax return on assets	0.8789%	3,707
Return on Equity (ROE)	6.2184%	3,854
Retained earnings to average equity (ytd only)	6.2184%	2,721
Net charge-offs to loans	0.1587%	526
Credit loss provision to net charge-offs	73.5294%	1,507
Earnings coverage of net charge-offs (x)	10.7745%	1,789
Efficiency ratio	74.8494%	1,173
Assets per employee ($millions)	4.8881%	3,759
Cash dividends to net income (ytd only)*	0.0000%	3,087
Condition Ratios (%)
Loss allowance to loans	0.9808%	3,884
Loan loss allowance to noncurrent loans	64.9160%	3,779
Noncurrent assets plus other real estate owned to assets	0.9521%	801
Noncurrent loans to loans	1.5109%	748
Net loans and leases to total assets	53.1814%	3,234
Net loans and leases to deposits	65.2042%	2,883
Net loans and leases to core deposits	67.8942%	2,969
Total domestic deposits to total assets	81.5614%	3,998
Equity capital to assets	11.1743%	1,853
Core capital (leverage) ratio	10.8167%	1,719
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	22.4987%	571
Memoranda:
Average total assets	$231,886,000	2,870
Average earning assets	$216,212,667	2,862
Average equity	$25,730,000	2,829
Average total loans	$128,518,333	2,917
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8980%	1,834
Cost of funding earning assets	0.4716%	1,582
Net interest margin	3.4264%	2,037
Noninterest income to average assets	0.4546%	2,815
Noninterest expense to average assets	2.9621%	1,048
Loan and lease loss provision to assets	0.1301%	1,053
Net operating income to assets	0.4113%	4,342
Return on assets (ROA)	0.4113%	4,371
Pretax return on assets	0.5518%	4,269
Return on Equity (ROE)	3.7197%	4,340
Retained earnings to average equity (ytd only)	3.7197%	3,584
Net charge-offs to loans	0.0801%	797
Credit loss provision to net charge-offs	288.4615%	773
Earnings coverage of net charge-offs (x)	15.1154%	1,346
Efficiency ratio	80.6190%	784
Assets per employee ($millions)	4.4125%	4,183
Cash dividends to net income (ytd only)*	0.0000%	2,433
Condition Ratios (%)
Loss allowance to loans	1.0284%	3,734
Loan loss allowance to noncurrent loans	74.9286%	3,653
Noncurrent assets plus other real estate owned to assets	0.9630%	870
Noncurrent loans to loans	1.3725%	922
Net loans and leases to total assets	53.9934%	3,239
Net loans and leases to deposits	65.0903%	3,013
Net loans and leases to core deposits	67.3095%	3,129
Total domestic deposits to total assets	82.9515%	3,698
Equity capital to assets	10.6901%	2,096
Core capital (leverage) ratio	10.8292%	1,832
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.7929%	602
Memoranda:
Average total assets	$230,515,500	2,862
Average earning assets	$214,571,500	2,859
Average equity	$25,486,000	2,839
Average total loans	$129,770,500	2,904
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4785%	1,368
Cost of funding earning assets	0.7410%	1,505
Net interest margin	3.7375%	1,681
Noninterest income to average assets	0.6275%	2,110
Noninterest expense to average assets	2.9801%	1,478
Loan and lease loss provision to assets	0.3499%	989
Net operating income to assets	0.6055%	3,741
Return on assets (ROA)	0.6479%	3,727
Pretax return on assets	0.8180%	3,588
Return on Equity (ROE)	5.5781%	3,719
Retained earnings to average equity (ytd only)	5.5781%	2,009
Net charge-offs to loans	0.2790%	614
Credit loss provision to net charge-offs	194.5876%	2,186
Earnings coverage of net charge-offs (x)	6.1959%	2,801
Efficiency ratio	72.1417%	1,665
Assets per employee ($millions)	4.3686%	4,046
Cash dividends to net income (ytd only)*	0.0000%	3,731
Condition Ratios (%)
Loss allowance to loans	0.9571%	4,010
Loan loss allowance to noncurrent loans	55.6878%	3,936
Noncurrent assets plus other real estate owned to assets	1.3439%	589
Noncurrent loans to loans	1.7187%	737
Net loans and leases to total assets	57.5325%	3,142
Net loans and leases to deposits	70.3612%	2,841
Net loans and leases to core deposits	72.5633%	3,026
Total domestic deposits to total assets	81.7673%	3,714
Equity capital to assets	11.4329%	1,933
Core capital (leverage) ratio	10.9948%	1,806
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	20.9444%	665
Memoranda:
Average total assets	$215,762,800	2,825
Average earning assets	$200,135,200	2,822
Average equity	$25,062,400	2,801
Average total loans	$139,062,200	2,759
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6327%	1,222
Cost of funding earning assets	0.7943%	1,525
Net interest margin	3.8384%	1,509
Noninterest income to average assets	0.6024%	2,167
Noninterest expense to average assets	3.0334%	1,368
Loan and lease loss provision to assets	0.3415%	1,125
Net operating income to assets	0.6360%	3,678
Return on assets (ROA)	0.6694%	3,672
Pretax return on assets	0.8279%	3,573
Return on Equity (ROE)	5.7391%	3,644
Retained earnings to average equity (ytd only)	5.7391%	2,218
Net charge-offs to loans	0.3380%	460
Credit loss provision to net charge-offs	152.6611%	2,310
Earnings coverage of net charge-offs (x)	5.0448%	2,768
Efficiency ratio	72.2649%	1,614
Assets per employee ($millions)	4.2198%	4,124
Cash dividends to net income (ytd only)*	0.0000%	3,332
Condition Ratios (%)
Loss allowance to loans	0.7907%	4,376
Loan loss allowance to noncurrent loans	46.5836%	4,080
Noncurrent assets plus other real estate owned to assets	1.3087%	714
Noncurrent loans to loans	1.6973%	808
Net loans and leases to total assets	60.8172%	3,127
Net loans and leases to deposits	76.1045%	2,744
Net loans and leases to core deposits	78.4403%	2,973
Total domestic deposits to total assets	79.9127%	3,882
Equity capital to assets	11.4233%	2,067
Core capital (leverage) ratio	10.9476%	1,925
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.4798%	843
Memoranda:
Average total assets	$212,911,250	2,828
Average earning assets	$197,404,500	2,831
Average equity	$24,835,000	2,802
Average total loans	$140,838,000	2,747
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7922%	1,187
Cost of funding earning assets	0.8334%	1,663
Net interest margin	3.9588%	1,425
Noninterest income to average assets	0.5733%	2,239
Noninterest expense to average assets	3.1013%	1,354
Loan and lease loss provision to assets	0.3201%	1,334
Net operating income to assets	0.6979%	3,395
Return on assets (ROA)	0.7328%	3,386
Pretax return on assets	0.8599%	3,428
Return on Equity (ROE)	6.2364%	3,424
Retained earnings to average equity (ytd only)	6.2364%	1,967
Net charge-offs to loans	0.3421%	471
Credit loss provision to net charge-offs	137.8601%	2,190
Earnings coverage of net charge-offs (x)	4.9053%	2,555
Efficiency ratio	72.5101%	1,622
Assets per employee ($millions)	4.1513%	4,155
Cash dividends to net income (ytd only)*	0.0000%	3,182
Condition Ratios (%)
Loss allowance to loans	0.7044%	4,554
Loan loss allowance to noncurrent loans	36.6333%	4,288
Noncurrent assets plus other real estate owned to assets	1.3590%	737
Noncurrent loans to loans	1.9229%	711
Net loans and leases to total assets	63.2997%	2,959
Net loans and leases to deposits	77.8787%	2,673
Net loans and leases to core deposits	81.4380%	2,823
Total domestic deposits to total assets	81.2799%	3,545
Equity capital to assets	11.4880%	1,981
Core capital (leverage) ratio	11.0665%	1,910
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.0370%	900
Memoranda:
Average total assets	$209,332,000	2,829
Average earning assets	$193,898,667	2,844
Average equity	$24,597,333	2,807
Average total loans	$142,083,667	2,722
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8279%	1,351
Cost of funding earning assets	0.8803%	1,970
Net interest margin	3.9476%	1,538
Noninterest income to average assets	0.5334%	2,375
Noninterest expense to average assets	3.3002%	1,227
Loan and lease loss provision to assets	0.2451%	1,268
Net operating income to assets	0.4804%	3,943
Return on assets (ROA)	0.4804%	3,998
Pretax return on assets	0.6373%	3,846
Return on Equity (ROE)	4.0399%	3,938
Retained earnings to average equity (ytd only)	4.0399%	2,664
Net charge-offs to loans	0.4112%	356
Credit loss provision to net charge-offs	85.0340%	1,916
Earnings coverage of net charge-offs (x)	3.0612%	2,237
Efficiency ratio	78.2466%	1,305
Assets per employee ($millions)	3.9597%	3,976
Cash dividends to net income (ytd only)*	0.0000%	2,581
Condition Ratios (%)
Loss allowance to loans	0.6189%	4,735
Loan loss allowance to noncurrent loans	24.8366%	4,464
Noncurrent assets plus other real estate owned to assets	1.8100%	499
Noncurrent loans to loans	2.4921%	485
Net loans and leases to total assets	68.1539%	2,516
Net loans and leases to deposits	82.4199%	2,401
Net loans and leases to core deposits	86.3094%	2,655
Total domestic deposits to total assets	82.6911%	3,211
Equity capital to assets	11.8879%	2,149
Core capital (leverage) ratio	11.4570%	2,107
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.6971%	1,194
Memoranda:
Average total assets	$203,988,000	2,836
Average earning assets	$188,569,000	2,844
Average equity	$24,258,000	2,827
Average total loans	$142,995,500	2,701
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0069%	1,458
Cost of funding earning assets	0.8722%	2,323
Net interest margin	4.1347%	1,463
Noninterest income to average assets	0.5176%	2,640
Noninterest expense to average assets	3.1990%	1,522
Loan and lease loss provision to assets	0.2294%	837
Net operating income to assets	0.7081%	3,850
Return on assets (ROA)	0.7081%	3,911
Pretax return on assets	0.9183%	3,683
Return on Equity (ROE)	6.1656%	3,859
Retained earnings to average equity (ytd only)	6.1656%	1,784
Net charge-offs to loans	0.3012%	694
Credit loss provision to net charge-offs	104.2601%	2,372
Earnings coverage of net charge-offs (x)	5.2152%	3,118
Efficiency ratio	72.9481%	1,744
Assets per employee ($millions)	3.9622%	3,948
Cash dividends to net income (ytd only)*	0.0000%	3,913
Condition Ratios (%)
Loss allowance to loans	0.6189%	4,710
Loan loss allowance to noncurrent loans	33.1729%	4,377
Noncurrent assets plus other real estate owned to assets	1.4619%	701
Noncurrent loans to loans	1.8655%	715
Net loans and leases to total assets	71.2070%	2,220
Net loans and leases to deposits	86.0337%	2,082
Net loans and leases to core deposits	89.9525%	2,433
Total domestic deposits to total assets	82.7664%	3,282
Equity capital to assets	11.8959%	2,203
Core capital (leverage) ratio	11.4317%	2,161
Tier 1 risk-based capital ratio	17.6958%	1,841
Total risk-based capital ratio	18.3865%	1,946
Memoranda:
Average total assets	$202,659,400	2,818
Average earning assets	$187,679,600	2,819
Average equity	$23,274,200	2,845
Average total loans	$148,075,200	2,640
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9877%	1,569
Cost of funding earning assets	0.8538%	2,450
Net interest margin	4.1339%	1,540
Noninterest income to average assets	0.4891%	2,800
Noninterest expense to average assets	3.1971%	1,474
Loan and lease loss provision to assets	0.2071%	852
Net operating income to assets	0.7186%	3,955
Return on assets (ROA)	0.7186%	4,022
Pretax return on assets	0.9145%	3,828
Return on Equity (ROE)	6.3132%	3,949
Retained earnings to average equity (ytd only)	6.3132%	2,217
Net charge-offs to loans	0.2230%	796
Credit loss provision to net charge-offs	126.5060%	1,866
Earnings coverage of net charge-offs (x)	6.8514%	2,799
Efficiency ratio	73.3902%	1,652
Assets per employee ($millions)	4.0569%	3,828
Cash dividends to net income (ytd only)*	0.0000%	3,563
Condition Ratios (%)
Loss allowance to loans	0.6503%	4,732
Loan loss allowance to noncurrent loans	31.7829%	4,479
Noncurrent assets plus other real estate owned to assets	1.5273%	716
Noncurrent loans to loans	2.0462%	655
Net loans and leases to total assets	71.0195%	2,319
Net loans and leases to deposits	85.8548%	2,212
Net loans and leases to core deposits	89.7386%	2,564
Total domestic deposits to total assets	82.7205%	3,245
Equity capital to assets	11.7014%	2,502
Core capital (leverage) ratio	11.2299%	2,442
Tier 1 risk-based capital ratio	17.5205%	1,940
Total risk-based capital ratio	18.2521%	2,037
Memoranda:
Average total assets	$202,806,750	2,838
Average earning assets	$187,871,000	2,839
Average equity	$23,083,250	2,883
Average total loans	$148,898,000	2,658
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9879%	1,515
Cost of funding earning assets	0.8283%	2,507
Net interest margin	4.1596%	1,461
Noninterest income to average assets	0.4655%	2,873
Noninterest expense to average assets	3.2644%	1,350
Loan and lease loss provision to assets	0.2071%	818
Net operating income to assets	0.7052%	3,991
Return on assets (ROA)	0.7052%	4,044
Pretax return on assets	0.8472%	3,980
Return on Equity (ROE)	6.2539%	3,967
Retained earnings to average equity (ytd only)	6.2539%	2,170
Net charge-offs to loans	0.1611%	991
Credit loss provision to net charge-offs	173.5537%	1,348
Earnings coverage of net charge-offs (x)	8.8347%	2,382
Efficiency ratio	74.9486%	1,521
Assets per employee ($millions)	3.9233%	3,971
Cash dividends to net income (ytd only)*	0.0000%	3,431
Condition Ratios (%)
Loss allowance to loans	0.6588%	4,781
Loan loss allowance to noncurrent loans	41.6918%	4,360
Noncurrent assets plus other real estate owned to assets	1.2622%	1,030
Noncurrent loans to loans	1.5802%	968
Net loans and leases to total assets	71.3996%	2,304
Net loans and leases to deposits	85.6494%	2,294
Net loans and leases to core deposits	89.0529%	2,688
Total domestic deposits to total assets	83.3627%	3,088
Equity capital to assets	11.4376%	2,658
Core capital (leverage) ratio	11.0381%	2,559
Tier 1 risk-based capital ratio	17.0386%	2,075
Total risk-based capital ratio	17.7786%	2,179
Memoranda:
Average total assets	$202,793,330	2,849
Average earning assets	$187,855,000	2,846
Average equity	$22,865,670	2,894
Average total loans	$150,196,000	2,655
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9910%	1,355
Cost of funding earning assets	0.7920%	2,583
Net interest margin	4.1990%	1,304
Noninterest income to average assets	0.3878%	3,272
Noninterest expense to average assets	3.3375%	1,212
Loan and lease loss provision to assets	0.2077%	764
Net operating income to assets	0.5619%	4,356
Return on assets (ROA)	0.5619%	4,386
Pretax return on assets	0.7340%	4,211
Return on Equity (ROE)	5.0196%	4,320
Retained earnings to average equity (ytd only)	5.0196%	2,897
Net charge-offs to loans	0.0947%	1,188
Credit loss provision to net charge-offs	291.6667%	844
Earnings coverage of net charge-offs (x)	13.2222%	1,842
Efficiency ratio	77.3463%	1,342
Assets per employee ($millions)	3.9099%	4,056
Cash dividends to net income (ytd only)*	0.0000%	2,768
Condition Ratios (%)
Loss allowance to loans	0.6241%	4,894
Loan loss allowance to noncurrent loans	42.4528%	4,403
Noncurrent assets plus other real estate owned to assets	1.1863%	1,131
Noncurrent loans to loans	1.4702%	1,100
Net loans and leases to total assets	74.0044%	1,802
Net loans and leases to deposits	88.4316%	1,817
Net loans and leases to core deposits	91.1283%	2,389
Total domestic deposits to total assets	83.6854%	3,155
Equity capital to assets	11.2274%	2,625
Core capital (leverage) ratio	10.8680%	2,690
Tier 1 risk-based capital ratio	16.1465%	2,374
Total risk-based capital ratio	16.8465%	2,533
Memoranda:
Average total assets	$202,184,500	2,881
Average earning assets	$187,376,000	2,881
Average equity	$22,631,500	2,919
Average total loans	$151,979,500	2,668
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6263%	2,059
Cost of funding earning assets	0.7023%	2,079
Net interest margin	3.9240%	2,248
Noninterest income to average assets	0.5035%	2,820
Noninterest expense to average assets	3.2297%	1,483
Loan and lease loss provision to assets	0.3311%	476
Net operating income to assets	0.4678%	4,731
Return on assets (ROA)	0.4678%	4,730
Pretax return on assets	0.5996%	4,628
Return on Equity (ROE)	4.5556%	4,576
Retained earnings to average equity (ytd only)	4.5556%	3,017
Net charge-offs to loans	0.3702%	516
Credit loss provision to net charge-offs	116.1850%	2,233
Earnings coverage of net charge-offs (x)	3.2659%	3,430
Efficiency ratio	77.3525%	1,197
Assets per employee ($millions)	3.9422%	3,976
Cash dividends to net income (ytd only)*	0.0000%	4,013
Condition Ratios (%)
Loss allowance to loans	0.5742%	5,013
Loan loss allowance to noncurrent loans	39.9453%	4,484
Noncurrent assets plus other real estate owned to assets	1.2300%	1,049
Noncurrent loans to loans	1.4375%	1,079
Net loans and leases to total assets	75.4404%	1,706
Net loans and leases to deposits	90.2141%	1,769
Net loans and leases to core deposits	92.9934%	2,316
Total domestic deposits to total assets	83.6238%	3,115
Equity capital to assets	11.1592%	2,544
Core capital (leverage) ratio	11.1651%	2,383
Tier 1 risk-based capital ratio	15.8901%	2,448
Total risk-based capital ratio	16.5348%	2,635
Memoranda:
Average total assets	$182,124,800	3,034
Average earning assets	$169,724,200	3,030
Average equity	$18,702,400	3,213
Average total loans	$140,180,000	2,769
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5785%	2,041
Cost of funding earning assets	0.6821%	1,966
Net interest margin	3.8964%	2,317
Noninterest income to average assets	0.4735%	3,022
Noninterest expense to average assets	3.2064%	1,506
Loan and lease loss provision to assets	0.3472%	393
Net operating income to assets	0.4427%	4,870
Return on assets (ROA)	0.4427%	4,876
Pretax return on assets	0.5562%	4,810
Return on Equity (ROE)	4.4196%	4,717
Retained earnings to average equity (ytd only)	4.4196%	3,544
Net charge-offs to loans	0.4348%	366
Credit loss provision to net charge-offs	103.3557%	2,209
Earnings coverage of net charge-offs (x)	2.6890%	3,224
Efficiency ratio	77.8347%	1,136
Assets per employee ($millions)	3.6813%	4,330
Cash dividends to net income (ytd only)*	0.0000%	3,598
Condition Ratios (%)
Loss allowance to loans	0.5961%	5,049
Loan loss allowance to noncurrent loans	61.9632%	4,173
Noncurrent assets plus other real estate owned to assets	1.0951%	1,315
Noncurrent loans to loans	0.9619%	1,769
Net loans and leases to total assets	76.2580%	1,623
Net loans and leases to deposits	92.2522%	1,589
Net loans and leases to core deposits	93.8933%	2,297
Total domestic deposits to total assets	82.6625%	3,413
Equity capital to assets	10.2148%	3,436
Core capital (leverage) ratio	10.2455%	3,352
Tier 1 risk-based capital ratio	14.9229%	2,920
Total risk-based capital ratio	15.5918%	3,107
Memoranda:
Average total assets	$177,392,500	3,103
Average earning assets	$165,552,250	3,095
Average equity	$17,769,000	3,345
Average total loans	$137,087,000	2,820
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5301%	2,000
Cost of funding earning assets	0.6596%	1,872
Net interest margin	3.8705%	2,311
Noninterest income to average assets	0.4605%	3,091
Noninterest expense to average assets	3.2226%	1,482
Loan and lease loss provision to assets	0.3648%	351
Net operating income to assets	0.4065%	4,947
Return on assets (ROA)	0.4065%	4,952
Pretax return on assets	0.4876%	4,926
Return on Equity (ROE)	4.0848%	4,794
Retained earnings to average equity (ytd only)	4.0848%	3,563
Net charge-offs to loans	0.4491%	342
Credit loss provision to net charge-offs	104.8544%	1,950
Earnings coverage of net charge-offs (x)	2.4498%	2,970
Efficiency ratio	78.8892%	1,126
Assets per employee ($millions)	3.9936%	3,911
Cash dividends to net income (ytd only)*	0.0000%	3,456
Condition Ratios (%)
Loss allowance to loans	0.5872%	5,124
Loan loss allowance to noncurrent loans	39.1748%	4,603
Noncurrent assets plus other real estate owned to assets	1.3601%	1,029
Noncurrent loans to loans	1.4989%	1,121
Net loans and leases to total assets	77.7551%	1,355
Net loans and leases to deposits	93.3634%	1,428
Net loans and leases to core deposits	95.0192%	2,142
Total domestic deposits to total assets	83.2822%	3,336
Equity capital to assets	10.1538%	3,485
Core capital (leverage) ratio	10.0503%	3,525
Tier 1 risk-based capital ratio	14.5865%	3,079
Total risk-based capital ratio	15.2480%	3,283
Memoranda:
Average total assets	$177,622,000	3,118
Average earning assets	$165,870,000	3,110
Average equity	$17,675,330	3,370
Average total loans	$137,596,330	2,825
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4984%	1,873
Cost of funding earning assets	0.6234%	1,892
Net interest margin	3.8749%	2,140
Noninterest income to average assets	0.4726%	2,984
Noninterest expense to average assets	3.2838%	1,377
Loan and lease loss provision to assets	0.3898%	293
Net operating income to assets	0.4077%	4,914
Return on assets (ROA)	0.4077%	4,914
Pretax return on assets	0.4189%	5,007
Return on Equity (ROE)	4.1382%	4,735
Retained earnings to average equity (ytd only)	4.1382%	3,544
Net charge-offs to loans	0.4997%	306
Credit loss provision to net charge-offs	101.1628%	1,528
Earnings coverage of net charge-offs (x)	2.0988%	2,494
Efficiency ratio	80.0766%	1,130
Assets per employee ($millions)	3.8804%	4,180
Cash dividends to net income (ytd only)*	0.0000%	2,749
Condition Ratios (%)
Loss allowance to loans	0.5803%	5,220
Loan loss allowance to noncurrent loans	58.4559%	4,271
Noncurrent assets plus other real estate owned to assets	1.0560%	1,480
Noncurrent loans to loans	0.9927%	1,839
Net loans and leases to total assets	76.3074%	1,488
Net loans and leases to deposits	89.7132%	1,726
Net loans and leases to core deposits	91.0926%	2,367
Total domestic deposits to total assets	85.0571%	2,911
Equity capital to assets	9.8908%	3,709
Core capital (leverage) ratio	9.8297%	3,731
Tier 1 risk-based capital ratio	14.4508%	3,147
Total risk-based capital ratio	15.1021%	3,377
Memoranda:
Average total assets	$178,574,500	3,143
Average earning assets	$166,816,500	3,133
Average equity	$17,592,000	3,410
Average total loans	$137,676,500	2,844
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2913%	2,355
Cost of funding earning assets	0.5783%	1,758
Net interest margin	3.7130%	2,746
Noninterest income to average assets	0.4098%	3,569
Noninterest expense to average assets	3.0171%	2,122
Loan and lease loss provision to assets	0.4358%	322
Net operating income to assets	0.2290%	5,051
Return on assets (ROA)	0.2187%	5,094
Pretax return on assets	0.4087%	5,079
Return on Equity (ROE)	2.2756%	4,998
Retained earnings to average equity (ytd only)	2.2756%	3,955
Net charge-offs to loans	0.5095%	461
Credit loss provision to net charge-offs	113.6888%	2,302
Earnings coverage of net charge-offs (x)	2.2450%	3,777
Efficiency ratio	77.6100%	1,407
Assets per employee ($millions)	3.9704%	4,012
Cash dividends to net income (ytd only)*	0.0000%	4,098
Condition Ratios (%)
Loss allowance to loans	0.5732%	5,291
Loan loss allowance to noncurrent loans	44.5255%	4,602
Noncurrent assets plus other real estate owned to assets	1.4681%	943
Noncurrent loans to loans	1.2873%	1,364
Net loans and leases to total assets	76.9903%	1,433
Net loans and leases to deposits	90.1930%	1,755
Net loans and leases to core deposits	91.5716%	2,409
Total domestic deposits to total assets	85.3617%	2,705
Equity capital to assets	9.8210%	3,895
Core capital (leverage) ratio	9.5422%	3,989
Tier 1 risk-based capital ratio	14.2211%	3,240
Total risk-based capital ratio	14.8692%	3,480
Memoranda:
Average total assets	$181,066,200	3,101
Average earning assets	$169,108,200	3,089
Average equity	$17,401,800	3,448
Average total loans	$136,206,800	2,833
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2468%	2,444
Cost of funding earning assets	0.5729%	1,722
Net interest margin	3.6739%	2,844
Noninterest income to average assets	0.3846%	3,785
Noninterest expense to average assets	3.0399%	1,998
Loan and lease loss provision to assets	0.4279%	311
Net operating income to assets	0.2987%	5,217
Return on assets (ROA)	0.2804%	5,272
Pretax return on assets	0.3266%	5,283
Return on Equity (ROE)	2.9329%	5,126
Retained earnings to average equity (ytd only)	2.9329%	4,161
Net charge-offs to loans	0.4943%	414
Credit loss provision to net charge-offs	115.9046%	2,064
Earnings coverage of net charge-offs (x)	2.1014%	3,505
Efficiency ratio	79.4768%	1,165
Assets per employee ($millions)	4.1702%	3,700
Cash dividends to net income (ytd only)*	0.0000%	3,680
Condition Ratios (%)
Loss allowance to loans	0.5681%	5,379
Loan loss allowance to noncurrent loans	64.2444%	4,253
Noncurrent assets plus other real estate owned to assets	1.1009%	1,509
Noncurrent loans to loans	0.8843%	2,164
Net loans and leases to total assets	74.2141%	1,882
Net loans and leases to deposits	86.4509%	2,245
Net loans and leases to core deposits	87.5880%	2,812
Total domestic deposits to total assets	85.8454%	2,372
Equity capital to assets	9.6023%	4,346
Core capital (leverage) ratio	9.5311%	4,123
Tier 1 risk-based capital ratio	14.3266%	3,280
Total risk-based capital ratio	14.9685%	3,502
Memoranda:
Average total assets	$181,665,750	3,119
Average earning assets	$169,659,000	3,103
Average equity	$17,365,500	3,481
Average total loans	$135,671,000	2,856
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2323%	2,350
Cost of funding earning assets	0.5718%	1,636
Net interest margin	3.6605%	2,793
Noninterest income to average assets	0.3866%	3,778
Noninterest expense to average assets	3.0907%	1,857
Loan and lease loss provision to assets	0.3822%	362
Net operating income to assets	0.3121%	5,193
Return on assets (ROA)	0.2817%	5,280
Pretax return on assets	0.2971%	5,344
Return on Equity (ROE)	2.9512%	5,134
Retained earnings to average equity (ytd only)	2.9512%	3,957
Net charge-offs to loans	0.4289%	474
Credit loss provision to net charge-offs	119.3103%	1,789
Earnings coverage of net charge-offs (x)	2.2207%	3,189
Efficiency ratio	81.0866%	1,100
Assets per employee ($millions)	4.0248%	3,914
Cash dividends to net income (ytd only)*	0.0000%	3,521
Condition Ratios (%)
Loss allowance to loans	0.5587%	5,447
Loan loss allowance to noncurrent loans	45.8080%	4,682
Noncurrent assets plus other real estate owned to assets	1.3552%	1,180
Noncurrent loans to loans	1.2196%	1,598
Net loans and leases to total assets	72.4895%	2,125
Net loans and leases to deposits	85.2693%	2,317
Net loans and leases to core deposits	86.3906%	2,842
Total domestic deposits to total assets	85.0124%	2,802
Equity capital to assets	9.4377%	4,472
Core capital (leverage) ratio	9.4174%	4,215
Tier 1 risk-based capital ratio	14.4240%	3,204
Total risk-based capital ratio	15.0526%	3,455
Memoranda:
Average total assets	$181,058,330	3,144
Average earning assets	$168,938,670	3,125
Average equity	$17,281,000	3,501
Average total loans	$135,244,000	2,867
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2474%	2,107
Cost of funding earning assets	0.5735%	1,554
Net interest margin	3.6739%	2,582
Noninterest income to average assets	0.2704%	4,606
Noninterest expense to average assets	3.2287%	1,528
Loan and lease loss provision to assets	0.3352%	365
Net operating income to assets	0.1676%	5,435
Return on assets (ROA)	0.1028%	5,517
Pretax return on assets	0.0626%	5,558
Return on Equity (ROE)	1.0707%	5,479
Retained earnings to average equity (ytd only)	1.0707%	4,625
Net charge-offs to loans	0.3811%	482
Credit loss provision to net charge-offs	116.2791%	1,430
Earnings coverage of net charge-offs (x)	1.6047%	2,709
Efficiency ratio	87.2276%	717
Assets per employee ($millions)	4.0603%	3,909
Cash dividends to net income (ytd only)*	0.0000%	2,824
Condition Ratios (%)
Loss allowance to loans	0.5329%	5,566
Loan loss allowance to noncurrent loans	44.7139%	4,760
Noncurrent assets plus other real estate owned to assets	1.3825%	1,210
Noncurrent loans to loans	1.1918%	1,695
Net loans and leases to total assets	73.4520%	1,830
Net loans and leases to deposits	86.2962%	2,006
Net loans and leases to core deposits	87.4438%	2,599
Total domestic deposits to total assets	85.1161%	3,040
Equity capital to assets	9.4284%	4,362
Core capital (leverage) ratio	9.6748%	3,895
Tier 1 risk-based capital ratio	14.2730%	3,332
Total risk-based capital ratio	14.8753%	3,610
Memoranda:
Average total assets	$179,017,500	3,197
Average earning assets	$166,688,500	3,179
Average equity	$17,185,000	3,522
Average total loans	$135,385,500	2,879
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2663%	2,255
Cost of funding earning assets	0.5905%	1,404
Net interest margin	3.6758%	2,798
Noninterest income to average assets	0.5089%	3,177
Noninterest expense to average assets	3.1298%	1,953
Loan and lease loss provision to assets	0.2582%	801
Net operating income to assets	0.3875%	4,982
Return on assets (ROA)	0.3993%	5,024
Pretax return on assets	0.5594%	4,903
Return on Equity (ROE)	4.1289%	4,787
Retained earnings to average equity (ytd only)	4.1289%	2,966
Net charge-offs to loans	0.3503%	775
Credit loss provision to net charge-offs	97.4026%	2,654
Earnings coverage of net charge-offs (x)	3.0216%	3,732
Efficiency ratio	79.4045%	1,493
Assets per employee ($millions)	3.8113%	4,288
Cash dividends to net income (ytd only)*	0.0000%	4,198
Condition Ratios (%)
Loss allowance to loans	0.5138%	5,646
Loan loss allowance to noncurrent loans	33.2856%	5,027
Noncurrent assets plus other real estate owned to assets	1.6741%	927
Noncurrent loans to loans	1.5437%	1,293
Net loans and leases to total assets	77.0855%	1,347
Net loans and leases to deposits	91.9787%	1,458
Net loans and leases to core deposits	93.4704%	2,163
Total domestic deposits to total assets	83.8080%	3,497
Equity capital to assets	9.7781%	3,974
Core capital (leverage) ratio	9.7260%	3,826
Tier 1 risk-based capital ratio	14.2641%	3,307
Total risk-based capital ratio	14.8465%	3,614
Memoranda:
Average total assets	$174,294,000	3,226
Average earning assets	$162,248,200	3,205
Average equity	$16,856,800	3,567
Average total loans	$131,904,200	2,891
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2398%	2,377
Cost of funding earning assets	0.5915%	1,398
Net interest margin	3.6483%	2,898
Noninterest income to average assets	0.5194%	3,119
Noninterest expense to average assets	3.1456%	1,911
Loan and lease loss provision to assets	0.2490%	761
Net operating income to assets	0.3711%	5,107
Return on assets (ROA)	0.3869%	5,152
Pretax return on assets	0.5447%	5,020
Return on Equity (ROE)	4.0114%	4,895
Retained earnings to average equity (ytd only)	4.0114%	3,447
Net charge-offs to loans	0.3279%	704
Credit loss provision to net charge-offs	100.9317%	2,331
Earnings coverage of net charge-offs (x)	3.1273%	3,464
Efficiency ratio	80.0704%	1,432
Assets per employee ($millions)	3.9700%	4,017
Cash dividends to net income (ytd only)*	0.0000%	3,760
Condition Ratios (%)
Loss allowance to loans	0.5267%	5,707
Loan loss allowance to noncurrent loans	28.7732%	5,201
Noncurrent assets plus other real estate owned to assets	1.7861%	926
Noncurrent loans to loans	1.8306%	1,121
Net loans and leases to total assets	77.0864%	1,346
Net loans and leases to deposits	91.2104%	1,609
Net loans and leases to core deposits	92.8430%	2,296
Total domestic deposits to total assets	84.5149%	3,024
Equity capital to assets	9.7580%	4,411
Core capital (leverage) ratio	9.6465%	3,998
Tier 1 risk-based capital ratio	14.1539%	3,478
Total risk-based capital ratio	14.7513%	3,769
Memoranda:
Average total assets	$174,037,250	3,242
Average earning assets	$162,078,750	3,218
Average equity	$16,785,250	3,608
Average total loans	$130,919,000	2,918
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2301%	2,407
Cost of funding earning assets	0.5992%	1,317
Net interest margin	3.6310%	2,976
Noninterest income to average assets	0.5132%	3,105
Noninterest expense to average assets	3.1687%	1,892
Loan and lease loss provision to assets	0.2071%	1,034
Net operating income to assets	0.3838%	5,083
Return on assets (ROA)	0.4085%	5,095
Pretax return on assets	0.5523%	5,018
Return on Equity (ROE)	4.2518%	4,819
Retained earnings to average equity (ytd only)	4.2518%	3,205
Net charge-offs to loans	0.1592%	1,378
Credit loss provision to net charge-offs	174.7573%	1,434
Earnings coverage of net charge-offs (x)	6.1262%	2,778
Efficiency ratio	81.1226%	1,370
Assets per employee ($millions)	3.8068%	4,254
Cash dividends to net income (ytd only)*	0.0000%	3,619
Condition Ratios (%)
Loss allowance to loans	0.5906%	5,697
Loan loss allowance to noncurrent loans	34.0840%	5,195
Noncurrent assets plus other real estate owned to assets	1.6332%	1,119
Noncurrent loans to loans	1.7329%	1,214
Net loans and leases to total assets	75.6404%	1,550
Net loans and leases to deposits	89.3079%	1,830
Net loans and leases to core deposits	91.3654%	2,398
Total domestic deposits to total assets	84.6963%	3,004
Equity capital to assets	9.6429%	4,622
Core capital (leverage) ratio	9.5381%	4,153
Tier 1 risk-based capital ratio	14.2611%	3,464
Total risk-based capital ratio	14.9314%	3,707
Memoranda:
Average total assets	$173,823,670	3,268
Average earning assets	$161,886,000	3,242
Average equity	$16,698,670	3,626
Average total loans	$129,436,670	2,938
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1982%	2,480
Cost of funding earning assets	0.6274%	1,168
Net interest margin	3.5708%	3,200
Noninterest income to average assets	0.4135%	3,724
Noninterest expense to average assets	3.3286%	1,533
Loan and lease loss provision to assets	0.2425%	740
Net operating income to assets	0.2656%	5,394
Return on assets (ROA)	0.3326%	5,287
Pretax return on assets	0.2356%	5,596
Return on Equity (ROE)	3.4653%	5,079
Retained earnings to average equity (ytd only)	3.4653%	3,767
Net charge-offs to loans	0.3168%	689
Credit loss provision to net charge-offs	103.9604%	1,574
Earnings coverage of net charge-offs (x)	1.7624%	2,774
Efficiency ratio	88.7585%	762
Assets per employee ($millions)	3.7337%	4,416
Cash dividends to net income (ytd only)*	0.0000%	2,863
Condition Ratios (%)
Loss allowance to loans	0.5551%	5,813
Loan loss allowance to noncurrent loans	33.7270%	5,210
Noncurrent assets plus other real estate owned to assets	1.5534%	1,292
Noncurrent loans to loans	1.6458%	1,384
Net loans and leases to total assets	74.4801%	1,647
Net loans and leases to deposits	87.9301%	1,834
Net loans and leases to core deposits	89.9937%	2,373
Total domestic deposits to total assets	84.7038%	3,239
Equity capital to assets	9.7090%	4,438
Core capital (leverage) ratio	9.6070%	4,029
Tier 1 risk-based capital ratio	14.6195%	3,333
Total risk-based capital ratio	15.2480%	3,628
Memoranda:
Average total assets	$173,163,500	3,294
Average earning assets	$161,309,000	3,269
Average equity	$16,622,000	3,639
Average total loans	$127,533,000	2,973
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9904%	3,349
Cost of funding earning assets	0.5332%	1,896
Net interest margin	3.4572%	3,684
Noninterest income to average assets	0.5125%	3,243
Noninterest expense to average assets	3.2043%	1,961
Loan and lease loss provision to assets	0.1787%	1,269
Net operating income to assets	0.2715%	5,437
Return on assets (ROA)	0.3147%	5,403
Pretax return on assets	0.4136%	5,291
Return on Equity (ROE)	3.1008%	5,269
Retained earnings to average equity (ytd only)	3.1008%	3,849
Net charge-offs to loans	0.1016%	2,398
Credit loss provision to net charge-offs	265.1376%	1,089
Earnings coverage of net charge-offs (x)	7.9450%	3,022
Efficiency ratio	85.5513%	1,033
Assets per employee ($millions)	3.7952%	4,301
Cash dividends to net income (ytd only)*	0.0000%	4,258
Condition Ratios (%)
Loss allowance to loans	0.5616%	5,854
Loan loss allowance to noncurrent loans	32.9926%	5,265
Noncurrent assets plus other real estate owned to assets	1.5661%	1,268
Noncurrent loans to loans	1.7021%	1,330
Net loans and leases to total assets	72.0155%	2,047
Net loans and leases to deposits	87.7599%	1,908
Net loans and leases to core deposits	89.1293%	2,487
Total domestic deposits to total assets	82.0597%	4,152
Equity capital to assets	9.4908%	4,562
Core capital (leverage) ratio	9.5433%	4,111
Tier 1 risk-based capital ratio	14.5278%	3,434
Total risk-based capital ratio	15.1543%	3,698
Memoranda:
Average total assets	$161,753,000	3,406
Average earning assets	$150,988,800	3,390
Average equity	$16,415,200	3,615
Average total loans	$107,266,000	3,255
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9374%	3,595
Cost of funding earning assets	0.5423%	1,869
Net interest margin	3.3951%	3,978
Noninterest income to average assets	0.5096%	3,300
Noninterest expense to average assets	3.2318%	1,881
Loan and lease loss provision to assets	0.1547%	1,401
Net operating income to assets	0.2326%	5,610
Return on assets (ROA)	0.2943%	5,547
Pretax return on assets	0.3709%	5,525
Return on Equity (ROE)	2.8495%	5,438
Retained earnings to average equity (ytd only)	2.8495%	4,410
Net charge-offs to loans	0.1535%	1,606
Credit loss provision to net charge-offs	155.9322%	1,633
Earnings coverage of net charge-offs (x)	4.5085%	3,337
Efficiency ratio	87.7257%	870
Assets per employee ($millions)	3.6269%	4,564
Cash dividends to net income (ytd only)*	0.0000%	3,801
Condition Ratios (%)
Loss allowance to loans	0.5032%	6,016
Loan loss allowance to noncurrent loans	28.9180%	5,461
Noncurrent assets plus other real estate owned to assets	1.5505%	1,441
Noncurrent loans to loans	1.7399%	1,376
Net loans and leases to total assets	69.1389%	2,514
Net loans and leases to deposits	84.8045%	2,307
Net loans and leases to core deposits	86.1673%	2,836
Total domestic deposits to total assets	81.5275%	4,313
Equity capital to assets	9.7282%	4,480
Core capital (leverage) ratio	10.0263%	3,584
Tier 1 risk-based capital ratio	15.3363%	3,121
Total risk-based capital ratio	15.8970%	3,407
Memoranda:
Average total assets	$158,546,500	3,484
Average earning assets	$148,014,250	3,462
Average equity	$16,376,750	3,650
Average total loans	$102,474,000	3,378
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8769%	3,784
Cost of funding earning assets	0.5783%	1,586
Net interest margin	3.2985%	4,309
Noninterest income to average assets	0.4593%	3,637
Noninterest expense to average assets	3.0523%	2,394
Loan and lease loss provision to assets	0.1009%	2,147
Net operating income to assets	0.2846%	5,484
Return on assets (ROA)	0.3649%	5,357
Pretax return on assets	0.5007%	5,224
Return on Equity (ROE)	3.4584%	5,252
Retained earnings to average equity (ytd only)	3.4584%	3,845
Net charge-offs to loans	0.1009%	1,997
Credit loss provision to net charge-offs	159.1837%	1,471
Earnings coverage of net charge-offs (x)	7.7551%	2,638
Efficiency ratio	86.1263%	1,051
Assets per employee ($millions)	4.0918%	3,699
Cash dividends to net income (ytd only)*	0.0000%	3,641
Condition Ratios (%)
Loss allowance to loans	0.5437%	6,049
Loan loss allowance to noncurrent loans	28.0060%	5,539
Noncurrent assets plus other real estate owned to assets	1.6722%	1,427
Noncurrent loans to loans	1.9414%	1,279
Net loans and leases to total assets	65.7646%	2,992
Net loans and leases to deposits	83.6299%	2,361
Net loans and leases to core deposits	84.5070%	2,930
Total domestic deposits to total assets	78.6376%	5,168
Equity capital to assets	10.5404%	3,396
Core capital (leverage) ratio	10.4643%	3,008
Tier 1 risk-based capital ratio	17.6425%	2,175
Total risk-based capital ratio	18.2492%	2,352
Memoranda:
Average total assets	$154,574,000	3,557
Average earning assets	$144,550,000	3,532
Average equity	$16,308,000	3,673
Average total loans	$97,147,670	3,487
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8396%	3,862
Cost of funding earning assets	0.6191%	1,310
Net interest margin	3.2205%	4,528
Noninterest income to average assets	0.4075%	3,942
Noninterest expense to average assets	3.0938%	2,293
Loan and lease loss provision to assets	0.0831%	2,312
Net operating income to assets	0.1791%	5,726
Return on assets (ROA)	0.1791%	5,803
Pretax return on assets	0.2414%	5,769
Return on Equity (ROE)	1.6966%	5,758
Retained earnings to average equity (ytd only)	1.6966%	4,798
Net charge-offs to loans	0.0679%	2,054
Credit loss provision to net charge-offs	200.0000%	1,042
Earnings coverage of net charge-offs (x)	7.8125%	2,137
Efficiency ratio	90.5087%	817
Assets per employee ($millions)	3.6780%	4,558
Cash dividends to net income (ytd only)*	0.0000%	2,870
Condition Ratios (%)
Loss allowance to loans	0.5743%	6,088
Loan loss allowance to noncurrent loans	36.4000%	5,390
Noncurrent assets plus other real estate owned to assets	1.3653%	1,947
Noncurrent loans to loans	1.5777%	1,771
Net loans and leases to total assets	61.1916%	3,496
Net loans and leases to deposits	74.6488%	3,209
Net loans and leases to core deposits	75.4568%	3,644
Total domestic deposits to total assets	81.9727%	4,515
Equity capital to assets	10.5744%	3,457
Core capital (leverage) ratio	10.4000%	3,100
Tier 1 risk-based capital ratio	18.6891%	1,949
Total risk-based capital ratio	19.3252%	2,068
Memoranda:
Average total assets	$154,117,000	3,587
Average earning assets	$144,077,500	3,562
Average equity	$16,267,500	3,704
Average total loans	$94,314,000	3,554
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8391%	4,354
Cost of funding earning assets	0.6782%	1,214
Net interest margin	3.1609%	5,040
Noninterest income to average assets	0.4917%	3,572
Noninterest expense to average assets	2.8911%	3,176
Loan and lease loss provision to assets	0.0517%	3,525
Net operating income to assets	0.3822%	5,283
Return on assets (ROA)	0.4414%	5,147
Pretax return on assets	0.5817%	4,999
Return on Equity (ROE)	4.3583%	4,953
Retained earnings to average equity (ytd only)	4.3583%	3,080
Net charge-offs to loans	0.1404%	2,623
Credit loss provision to net charge-offs	64.2857%	3,195
Earnings coverage of net charge-offs (x)	6.9127%	3,123
Efficiency ratio	83.8823%	1,422
Assets per employee ($millions)	3.7502%	4,440
Cash dividends to net income (ytd only)*	0.0000%	4,317
Condition Ratios (%)
Loss allowance to loans	0.5665%	6,188
Loan loss allowance to noncurrent loans	30.3030%	5,645
Noncurrent assets plus other real estate owned to assets	1.6084%	1,678
Noncurrent loans to loans	1.8695%	1,516
Net loans and leases to total assets	60.5013%	3,716
Net loans and leases to deposits	73.6266%	3,483
Net loans and leases to core deposits	74.7225%	3,845
Total domestic deposits to total assets	82.1732%	4,359
Equity capital to assets	10.5361%	3,433
Core capital (leverage) ratio	10.1321%	3,390
Tier 1 risk-based capital ratio	18.1270%	2,098
Total risk-based capital ratio	18.7293%	2,291
Memoranda:
Average total assets	$156,790,400	3,538
Average earning assets	$146,571,200	3,501
Average equity	$15,877,600	3,688
Average total loans	$89,723,000	3,636
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8230%	4,459
Cost of funding earning assets	0.6835%	1,236
Net interest margin	3.1395%	5,147
Noninterest income to average assets	0.4942%	3,585
Noninterest expense to average assets	2.8833%	3,184
Loan and lease loss provision to assets	0.0415%	3,572
Net operating income to assets	0.3688%	5,373
Return on assets (ROA)	0.4071%	5,297
Pretax return on assets	0.5568%	5,161
Return on Equity (ROE)	4.0598%	5,149
Retained earnings to average equity (ytd only)	4.0598%	3,758
Net charge-offs to loans	0.0571%	3,401
Credit loss provision to net charge-offs	128.9474%	1,788
Earnings coverage of net charge-offs (x)	16.9722%	1,933
Efficiency ratio	84.0819%	1,381
Assets per employee ($millions)	3.8542%	4,180
Cash dividends to net income (ytd only)*	0.0000%	3,806
Condition Ratios (%)
Loss allowance to loans	0.6372%	6,178
Loan loss allowance to noncurrent loans	43.0566%	5,356
Noncurrent assets plus other real estate owned to assets	1.3467%	2,288
Noncurrent loans to loans	1.4800%	2,194
Net loans and leases to total assets	57.8246%	4,100
Net loans and leases to deposits	72.0027%	3,684
Net loans and leases to core deposits	73.6533%	3,978
Total domestic deposits to total assets	80.3089%	5,011
Equity capital to assets	10.1297%	4,009
Core capital (leverage) ratio	9.8806%	3,838
Tier 1 risk-based capital ratio	17.9980%	2,209
Total risk-based capital ratio	18.6682%	2,386
Memoranda:
Average total assets	$157,548,750	3,553
Average earning assets	$147,279,500	3,516
Average equity	$15,797,000	3,717
Average total loans	$88,765,000	3,687
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8204%	4,445
Cost of funding earning assets	0.6959%	1,211
Net interest margin	3.1246%	5,174
Noninterest income to average assets	0.5108%	3,398
Noninterest expense to average assets	2.9392%	3,038
Loan and lease loss provision to assets	0.0419%	3,482
Net operating income to assets	0.3292%	5,468
Return on assets (ROA)	0.3914%	5,323
Pretax return on assets	0.5362%	5,171
Return on Equity (ROE)	3.9168%	5,185
Retained earnings to average equity (ytd only)	3.9168%	3,691
Net charge-offs to loans	0.0730%	2,972
Credit loss provision to net charge-offs	103.1250%	1,929
Earnings coverage of net charge-offs (x)	12.1250%	2,089
Efficiency ratio	85.6350%	1,301
Assets per employee ($millions)	3.8670%	4,133
Cash dividends to net income (ytd only)*	0.0000%	3,638
Condition Ratios (%)
Loss allowance to loans	0.6395%	6,256
Loan loss allowance to noncurrent loans	39.9722%	5,500
Noncurrent assets plus other real estate owned to assets	1.3069%	2,497
Noncurrent loans to loans	1.5999%	2,170
Net loans and leases to total assets	56.4464%	4,211
Net loans and leases to deposits	70.9558%	3,704
Net loans and leases to core deposits	72.5850%	3,989
Total domestic deposits to total assets	79.5515%	5,339
Equity capital to assets	9.9827%	4,128
Core capital (leverage) ratio	9.7011%	4,040
Tier 1 risk-based capital ratio	18.2418%	2,152
Total risk-based capital ratio	18.9170%	2,334
Memoranda:
Average total assets	$157,391,330	3,574
Average earning assets	$147,156,000	3,534
Average equity	$15,727,000	3,736
Average total loans	$87,699,670	3,726
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8259%	4,379
Cost of funding earning assets	0.6964%	1,267
Net interest margin	3.1295%	5,148
Noninterest income to average assets	0.5153%	3,291
Noninterest expense to average assets	3.0099%	2,834
Loan and lease loss provision to assets	0.0408%	3,269
Net operating income to assets	0.3066%	5,468
Return on assets (ROA)	0.3086%	5,508
Pretax return on assets	0.3903%	5,485
Return on Equity (ROE)	3.0873%	5,430
Retained earnings to average equity (ytd only)	3.0873%	4,267
Net charge-offs to loans	0.0694%	2,458
Credit loss provision to net charge-offs	106.6667%	1,574
Earnings coverage of net charge-offs (x)	11.2000%	1,796
Efficiency ratio	87.5371%	1,279
Assets per employee ($millions)	3.8141%	4,295
Cash dividends to net income (ytd only)*	0.0000%	2,852
Condition Ratios (%)
Loss allowance to loans	0.6666%	6,318
Loan loss allowance to noncurrent loans	37.6471%	5,634
Noncurrent assets plus other real estate owned to assets	1.4095%	2,511
Noncurrent loans to loans	1.7707%	2,174
Net loans and leases to total assets	53.5788%	4,475
Net loans and leases to deposits	66.3190%	4,055
Net loans and leases to core deposits	67.7909%	4,335
Total domestic deposits to total assets	80.7895%	5,295
Equity capital to assets	9.8300%	4,064
Core capital (leverage) ratio	9.8425%	3,804
Tier 1 risk-based capital ratio	18.7413%	2,048
Total risk-based capital ratio	19.4433%	2,180
Memoranda:
Average total assets	$156,814,500	3,610
Average earning assets	$146,476,500	3,579
Average equity	$15,677,000	3,753
Average total loans	$86,515,000	3,786
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8354%	4,671
Cost of funding earning assets	0.7573%	1,458
Net interest margin	3.0781%	5,382
Noninterest income to average assets	0.5399%	3,481
Noninterest expense to average assets	2.8411%	3,566
Loan and lease loss provision to assets	0.0227%	4,672
Net operating income to assets	0.4953%	4,753
Return on assets (ROA)	0.5379%	4,691
Pretax return on assets	0.5990%	4,873
Return on Equity (ROE)	5.4218%	4,441
Retained earnings to average equity (ytd only)	5.4218%	2,335
Net charge-offs to loans	0.1529%	3,276
Credit loss provision to net charge-offs	27.1318%	4,311
Earnings coverage of net charge-offs (x)	6.8527%	2,964
Efficiency ratio	83.1843%	1,726
Assets per employee ($millions)	3.7423%	4,383
Cash dividends to net income (ytd only)*	0.0000%	4,285
Condition Ratios (%)
Loss allowance to loans	0.6638%	6,398
Loan loss allowance to noncurrent loans	30.5040%	5,932
Noncurrent assets plus other real estate owned to assets	1.5942%	2,335
Noncurrent loans to loans	2.1761%	1,797
Net loans and leases to total assets	56.0817%	4,309
Net loans and leases to deposits	68.3145%	4,001
Net loans and leases to core deposits	69.5829%	4,326
Total domestic deposits to total assets	82.0934%	4,839
Equity capital to assets	10.1717%	3,544
Core capital (leverage) ratio	9.8301%	3,804
Tier 1 risk-based capital ratio	18.9461%	1,941
Total risk-based capital ratio	19.6602%	2,069
Memoranda:
Average total assets	$153,918,600	3,642
Average earning assets	$143,791,800	3,606
Average equity	$15,271,600	3,816
Average total loans	$84,369,800	3,814
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8115%	4,814
Cost of funding earning assets	0.7578%	1,548
Net interest margin	3.0536%	5,459
Noninterest income to average assets	0.5427%	3,504
Noninterest expense to average assets	2.8936%	3,325
Loan and lease loss provision to assets	0.0164%	4,684
Net operating income to assets	0.4809%	4,884
Return on assets (ROA)	0.5366%	4,780
Pretax return on assets	0.5418%	5,228
Return on Equity (ROE)	5.4429%	4,500
Retained earnings to average equity (ytd only)	5.4429%	2,764
Net charge-offs to loans	0.1448%	3,094
Credit loss provision to net charge-offs	20.8791%	4,061
Earnings coverage of net charge-offs (x)	6.3736%	2,990
Efficiency ratio	85.2154%	1,444
Assets per employee ($millions)	3.7359%	4,379
Cash dividends to net income (ytd only)*	0.0000%	3,738
Condition Ratios (%)
Loss allowance to loans	0.6948%	6,450
Loan loss allowance to noncurrent loans	28.1073%	6,048
Noncurrent assets plus other real estate owned to assets	1.6589%	2,476
Noncurrent loans to loans	2.4719%	1,760
Net loans and leases to total assets	54.3818%	4,547
Net loans and leases to deposits	67.8990%	4,071
Net loans and leases to core deposits	69.3047%	4,396
Total domestic deposits to total assets	80.0923%	5,481
Equity capital to assets	9.7713%	4,220
Core capital (leverage) ratio	9.6496%	4,173
Tier 1 risk-based capital ratio	18.7156%	2,075
Total risk-based capital ratio	19.4583%	2,210
Memoranda:
Average total assets	$154,039,500	3,673
Average earning assets	$143,913,250	3,639
Average equity	$15,187,750	3,878
Average total loans	$83,806,250	3,864
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8581%	4,629
Cost of funding earning assets	0.7403%	1,768
Net interest margin	3.1178%	5,224
Noninterest income to average assets	0.5357%	3,601
Noninterest expense to average assets	2.9409%	3,197
Loan and lease loss provision to assets	0.0105%	4,662
Net operating income to assets	0.5461%	4,571
Return on assets (ROA)	0.6310%	4,303
Pretax return on assets	0.5801%	5,098
Return on Equity (ROE)	6.3806%	3,945
Retained earnings to average equity (ytd only)	6.3806%	2,213
Net charge-offs to loans	0.1059%	3,303
Credit loss provision to net charge-offs	18.1818%	3,759
Earnings coverage of net charge-offs (x)	8.7955%	2,366
Efficiency ratio	85.3298%	1,481
Assets per employee ($millions)	3.7392%	4,322
Cash dividends to net income (ytd only)*	0.0000%	3,522
Condition Ratios (%)
Loss allowance to loans	0.7453%	6,438
Loan loss allowance to noncurrent loans	50.0791%	5,201
Noncurrent assets plus other real estate owned to assets	1.1369%	3,471
Noncurrent loans to loans	1.4882%	3,076
Net loans and leases to total assets	54.9884%	4,450
Net loans and leases to deposits	68.6569%	3,915
Net loans and leases to core deposits	70.2555%	4,242
Total domestic deposits to total assets	80.0916%	5,584
Equity capital to assets	9.9774%	3,945
Core capital (leverage) ratio	9.6778%	3,973
Tier 1 risk-based capital ratio	18.7870%	2,049
Total risk-based capital ratio	19.5853%	2,162
Memoranda:
Average total assets	$153,083,000	3,718
Average earning assets	$142,920,670	3,678
Average equity	$15,139,670	3,916
Average total loans	$83,099,330	3,897
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9211%	4,403
Cost of funding earning assets	0.8150%	1,446
Net interest margin	3.1061%	5,238
Noninterest income to average assets	0.5308%	3,565
Noninterest expense to average assets	2.7692%	3,801
Loan and lease loss provision to assets	0.0000%	4,409
Net operating income to assets	0.3773%	5,224
Return on assets (ROA)	0.4576%	5,046
Pretax return on assets	0.7871%	4,222
Return on Equity (ROE)	4.6476%	4,766
Retained earnings to average equity (ytd only)	4.6476%	3,447
Net charge-offs to loans	0.0292%	3,619
Credit loss provision to net charge-offs	0.0000%	3,239
Earnings coverage of net charge-offs (x)	42.1667%	753
Efficiency ratio	80.7165%	2,222
Assets per employee ($millions)	3.7793%	4,399
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	0.8035%	6,451
Loan loss allowance to noncurrent loans	68.9906%	4,374
Noncurrent assets plus other real estate owned to assets	1.0545%	3,825
Noncurrent loans to loans	1.1646%	3,829
Net loans and leases to total assets	52.8248%	4,580
Net loans and leases to deposits	64.5337%	4,250
Net loans and leases to core deposits	65.9809%	4,531
Total domestic deposits to total assets	81.8561%	5,253
Equity capital to assets	9.7702%	4,466
Core capital (leverage) ratio	9.4996%	4,081
Tier 1 risk-based capital ratio	18.6860%	2,129
Total risk-based capital ratio	19.5353%	2,229
Memoranda:
Average total assets	$152,971,000	3,758
Average earning assets	$142,817,000	3,717
Average equity	$15,061,500	3,987
Average total loans	$82,182,000	3,951
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0893%	4,985
Cost of funding earning assets	1.0056%	1,328
Net interest margin	3.0837%	5,856
Noninterest income to average assets	0.6182%	3,178
Noninterest expense to average assets	2.6728%	4,499
Loan and lease loss provision to assets	0.0748%	4,787
Net operating income to assets	0.5509%	4,468
Return on assets (ROA)	0.6115%	4,447
Pretax return on assets	0.8592%	4,072
Return on Equity (ROE)	6.1594%	4,079
Retained earnings to average equity (ytd only)	6.1594%	1,988
Net charge-offs to loans	0.0563%	5,146
Credit loss provision to net charge-offs	250.0000%	973
Earnings coverage of net charge-offs (x)	28.3500%	1,043
Efficiency ratio	75.8980%	2,763
Assets per employee ($millions)	3.8716%	4,226
Cash dividends to net income (ytd only)*	0.0000%	4,298
Condition Ratios (%)
Loss allowance to loans	0.8174%	6,455
Loan loss allowance to noncurrent loans	52.4295%	5,015
Noncurrent assets plus other real estate owned to assets	1.2895%	3,498
Noncurrent loans to loans	1.5590%	3,278
Net loans and leases to total assets	53.7644%	4,648
Net loans and leases to deposits	66.7269%	4,178
Net loans and leases to core deposits	68.3385%	4,499
Total domestic deposits to total assets	80.5738%	5,521
Equity capital to assets	9.9237%	4,275
Core capital (leverage) ratio	9.6208%	3,929
Tier 1 risk-based capital ratio	18.9689%	1,967
Total risk-based capital ratio	19.8492%	2,035
Memoranda:
Average total assets	$133,605,800	4,071
Average earning assets	$125,790,400	3,985
Average equity	$13,264,200	4,305
Average total loans	$71,097,600	4,318
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0807%	5,264
Cost of funding earning assets	1.0275%	1,406
Net interest margin	3.0531%	6,059
Noninterest income to average assets	0.6230%	3,143
Noninterest expense to average assets	2.7407%	4,211
Loan and lease loss provision to assets	0.0856%	4,534
Net operating income to assets	0.4626%	4,981
Return on assets (ROA)	0.5426%	4,915
Pretax return on assets	0.7953%	4,497
Return on Equity (ROE)	5.4644%	4,615
Retained earnings to average equity (ytd only)	5.4644%	3,059
Net charge-offs to loans	0.0780%	4,619
Credit loss provision to net charge-offs	207.5000%	1,334
Earnings coverage of net charge-offs (x)	18.5007%	1,554
Efficiency ratio	78.2161%	2,370
Assets per employee ($millions)	3.9390%	3,996
Cash dividends to net income (ytd only)*	0.0000%	3,713
Condition Ratios (%)
Loss allowance to loans	0.7873%	6,626
Loan loss allowance to noncurrent loans	79.0303%	3,872
Noncurrent assets plus other real estate owned to assets	0.9948%	4,290
Noncurrent loans to loans	0.9962%	4,459
Net loans and leases to total assets	54.8890%	4,606
Net loans and leases to deposits	67.3699%	4,276
Net loans and leases to core deposits	69.1644%	4,593
Total domestic deposits to total assets	81.4741%	5,197
Equity capital to assets	9.8469%	4,715
Core capital (leverage) ratio	9.4493%	4,356
Tier 1 risk-based capital ratio	18.4973%	2,168
Total risk-based capital ratio	19.3500%	2,272
Memoranda:
Average total assets	$129,259,250	4,204
Average earning assets	$121,969,750	4,103
Average equity	$12,834,250	4,432
Average total loans	$68,409,750	4,452
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2563%	4,730
Cost of funding earning assets	1.0856%	1,284
Net interest margin	3.1706%	5,821
Noninterest income to average assets	0.4900%	3,985
Noninterest expense to average assets	2.6688%	4,543
Loan and lease loss provision to assets	0.1127%	4,118
Net operating income to assets	0.5049%	4,803
Return on assets (ROA)	0.5733%	4,755
Pretax return on assets	0.8052%	4,460
Return on Equity (ROE)	5.7544%	4,446
Retained earnings to average equity (ytd only)	5.7544%	2,849
Net charge-offs to loans	0.0660%	4,505
Credit loss provision to net charge-offs	328.5714%	904
Earnings coverage of net charge-offs (x)	23.9524%	1,237
Efficiency ratio	76.4623%	2,675
Assets per employee ($millions)	3.8110%	4,288
Cash dividends to net income (ytd only)*	0.0000%	3,523
Condition Ratios (%)
Loss allowance to loans	1.0491%	5,969
Loan loss allowance to noncurrent loans	120.1097%	2,727
Noncurrent assets plus other real estate owned to assets	0.8479%	4,686
Noncurrent loans to loans	0.8735%	4,747
Net loans and leases to total assets	50.8118%	5,249
Net loans and leases to deposits	62.1176%	4,978
Net loans and leases to core deposits	63.9715%	5,209
Total domestic deposits to total assets	81.7994%	5,203
Equity capital to assets	10.2344%	4,013
Core capital (leverage) ratio	9.7882%	3,734
Tier 1 risk-based capital ratio	19.0030%	1,965
Total risk-based capital ratio	20.0490%	2,004
Memoranda:
Average total assets	$122,451,670	4,364
Average earning assets	$115,875,670	4,278
Average equity	$12,199,330	4,564
Average total loans	$63,609,330	4,651
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3384%	4,576
Cost of funding earning assets	1.1035%	1,389
Net interest margin	3.2349%	5,683
Noninterest income to average assets	0.4499%	4,291
Noninterest expense to average assets	2.5949%	4,835
Loan and lease loss provision to assets	0.1239%	3,795
Net operating income to assets	0.5314%	4,682
Return on assets (ROA)	0.5314%	4,889
Pretax return on assets	0.7987%	4,417
Return on Equity (ROE)	5.4070%	4,590
Retained earnings to average equity (ytd only)	5.4070%	3,310
Net charge-offs to loans	0.1310%	3,320
Credit loss provision to net charge-offs	180.9524%	1,432
Earnings coverage of net charge-offs (x)	13.4762%	1,532
Efficiency ratio	73.7720%	3,133
Assets per employee ($millions)	3.8511%	4,316
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	0.9775%	6,325
Loan loss allowance to noncurrent loans	92.6036%	3,270
Noncurrent assets plus other real estate owned to assets	0.8147%	4,908
Noncurrent loans to loans	1.0555%	4,588
Net loans and leases to total assets	51.4606%	5,084
Net loans and leases to deposits	62.8308%	4,794
Net loans and leases to core deposits	64.6756%	5,043
Total domestic deposits to total assets	81.9035%	5,331
Equity capital to assets	9.9607%	4,172
Core capital (leverage) ratio	9.6040%	3,910
Tier 1 risk-based capital ratio	18.5618%	2,125
Total risk-based capital ratio	19.5507%	2,176
Memoranda:
Average total assets	$122,701,500	4,386
Average earning assets	$116,357,000	4,287
Average equity	$12,058,500	4,600
Average total loans	$64,102,500	4,663
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5128%	5,021
Cost of funding earning assets	1.3636%	1,190
Net interest margin	3.1492%	6,218
Noninterest income to average assets	0.5440%	3,554
Noninterest expense to average assets	2.5242%	5,385
Loan and lease loss provision to assets	0.1608%	4,620
Net operating income to assets	0.5695%	4,150
Return on assets (ROA)	0.6398%	3,984
Pretax return on assets	0.9480%	3,435
Return on Equity (ROE)	6.6057%	3,588
Retained earnings to average equity (ytd only)	6.6057%	1,691
Net charge-offs to loans	0.3978%	3,424
Credit loss provision to net charge-offs	79.0984%	4,496
Earnings coverage of net charge-offs (x)	4.9385%	2,935
Efficiency ratio	71.5466%	3,675
Assets per employee ($millions)	3.9409%	3,982
Cash dividends to net income (ytd only)*	0.0000%	4,078
Condition Ratios (%)
Loss allowance to loans	0.9492%	6,402
Loan loss allowance to noncurrent loans	58.0000%	4,608
Noncurrent assets plus other real estate owned to assets	1.1304%	4,344
Noncurrent loans to loans	1.6365%	3,711
Net loans and leases to total assets	52.0206%	5,310
Net loans and leases to deposits	63.6676%	5,050
Net loans and leases to core deposits	65.7191%	5,284
Total domestic deposits to total assets	81.7065%	5,230
Equity capital to assets	9.6931%	4,607
Core capital (leverage) ratio	9.4159%	4,161
Tier 1 risk-based capital ratio	18.3961%	2,080
Total risk-based capital ratio	19.3626%	2,127
Memoranda:
Average total assets	$120,038,800	4,400
Average earning assets	$113,742,000	4,287
Average equity	$11,626,400	4,633
Average total loans	$61,338,000	4,817
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5386%	5,133
Cost of funding earning assets	1.4104%	1,191
Net interest margin	3.1282%	6,345
Noninterest income to average assets	0.4485%	4,306
Noninterest expense to average assets	2.4444%	5,649
Loan and lease loss provision to assets	0.0959%	5,261
Net operating income to assets	0.5850%	4,154
Return on assets (ROA)	0.6538%	4,017
Pretax return on assets	0.9751%	3,499
Return on Equity (ROE)	6.7514%	3,638
Retained earnings to average equity (ytd only)	6.7514%	2,108
Net charge-offs to loans	0.1979%	4,214
Credit loss provision to net charge-offs	95.5556%	3,582
Earnings coverage of net charge-offs (x)	9.6442%	2,020
Efficiency ratio	71.6247%	3,632
Assets per employee ($millions)	4.1997%	3,443
Cash dividends to net income (ytd only)*	0.0000%	3,512
Condition Ratios (%)
Loss allowance to loans	1.0587%	6,022
Loan loss allowance to noncurrent loans	106.3209%	2,813
Noncurrent assets plus other real estate owned to assets	0.8613%	5,027
Noncurrent loans to loans	0.9957%	4,901
Net loans and leases to total assets	50.3383%	5,670
Net loans and leases to deposits	61.7445%	5,437
Net loans and leases to core deposits	63.7397%	5,650
Total domestic deposits to total assets	81.5267%	5,247
Equity capital to assets	9.7437%	4,714
Core capital (leverage) ratio	9.4580%	4,217
Tier 1 risk-based capital ratio	18.7487%	2,008
Total risk-based capital ratio	19.8259%	2,030
Memoranda:
Average total assets	$119,506,250	4,442
Average earning assets	$113,247,500	4,318
Average equity	$11,572,500	4,669
Average total loans	$60,632,000	4,883
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5905%	5,005
Cost of funding earning assets	1.4550%	1,180
Net interest margin	3.1355%	6,318
Noninterest income to average assets	0.4548%	4,251
Noninterest expense to average assets	2.4894%	5,587
Loan and lease loss provision to assets	0.0960%	5,127
Net operating income to assets	0.5885%	4,116
Return on assets (ROA)	0.6687%	3,816
Pretax return on assets	0.9567%	3,400
Return on Equity (ROE)	6.9198%	3,482
Retained earnings to average equity (ytd only)	6.9198%	1,916
Net charge-offs to loans	0.1894%	4,021
Credit loss provision to net charge-offs	100.0000%	3,113
Earnings coverage of net charge-offs (x)	9.7719%	1,877
Efficiency ratio	72.6290%	3,613
Assets per employee ($millions)	4.1738%	3,402
Cash dividends to net income (ytd only)*	0.0000%	3,290
Condition Ratios (%)
Loss allowance to loans	1.0837%	6,021
Loan loss allowance to noncurrent loans	55.9796%	4,677
Noncurrent assets plus other real estate owned to assets	1.1847%	4,524
Noncurrent loans to loans	1.9358%	3,560
Net loans and leases to total assets	49.7716%	5,852
Net loans and leases to deposits	61.6452%	5,543
Net loans and leases to core deposits	63.6620%	5,763
Total domestic deposits to total assets	80.7388%	5,607
Equity capital to assets	9.5711%	4,707
Core capital (leverage) ratio	9.4045%	4,105
Tier 1 risk-based capital ratio	18.7556%	1,920
Total risk-based capital ratio	19.8583%	1,929
Memoranda:
Average total assets	$118,744,330	4,494
Average earning assets	$112,580,670	4,369
Average equity	$11,474,330	4,693
Average total loans	$60,188,000	4,950
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5724%	5,063
Cost of funding earning assets	1.4894%	1,210
Net interest margin	3.0830%	6,389
Noninterest income to average assets	0.4490%	4,298
Noninterest expense to average assets	2.3198%	6,139
Loan and lease loss provision to assets	0.0952%	4,822
Net operating income to assets	0.6162%	3,956
Return on assets (ROA)	0.6837%	3,656
Pretax return on assets	1.0613%	2,897
Return on Equity (ROE)	7.0409%	3,358
Retained earnings to average equity (ytd only)	7.0409%	2,130
Net charge-offs to loans	0.2340%	3,140
Credit loss provision to net charge-offs	80.0000%	3,159
Earnings coverage of net charge-offs (x)	8.8286%	1,782
Efficiency ratio	68.8194%	4,507
Assets per employee ($millions)	4.0495%	3,742
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	1.0971%	6,057
Loan loss allowance to noncurrent loans	70.6710%	3,891
Noncurrent assets plus other real estate owned to assets	0.9971%	4,909
Noncurrent loans to loans	1.5525%	4,138
Net loans and leases to total assets	50.1256%	5,833
Net loans and leases to deposits	60.7369%	5,651
Net loans and leases to core deposits	62.7338%	5,848
Total domestic deposits to total assets	82.5291%	5,099
Equity capital to assets	9.8267%	3,997
Core capital (leverage) ratio	9.3909%	3,977
Tier 1 risk-based capital ratio	18.9349%	1,817
Total risk-based capital ratio	20.0560%	1,821
Memoranda:
Average total assets	$117,596,000	4,546
Average earning assets	$111,451,500	4,421
Average equity	$11,419,000	4,689
Average total loans	$59,830,000	5,008
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9676%	4,708
Cost of funding earning assets	1.6503%	1,830
Net interest margin	3.3172%	5,921
Noninterest income to average assets	0.4453%	4,556
Noninterest expense to average assets	2.5248%	5,702
Loan and lease loss provision to assets	0.1648%	5,567
Net operating income to assets	0.6294%	3,537
Return on assets (ROA)	0.6610%	3,532
Pretax return on assets	0.9722%	3,019
Return on Equity (ROE)	6.9321%	3,154
Retained earnings to average equity (ytd only)	6.9321%	1,351
Net charge-offs to loans	0.1715%	5,294
Credit loss provision to net charge-offs	180.7692%	1,828
Earnings coverage of net charge-offs (x)	11.9615%	1,550
Efficiency ratio	69.8351%	4,209
Assets per employee ($millions)	3.9252%	3,954
Cash dividends to net income (ytd only)*	0.0000%	3,950
Condition Ratios (%)
Loss allowance to loans	1.0974%	5,958
Loan loss allowance to noncurrent loans	133.0645%	2,212
Noncurrent assets plus other real estate owned to assets	0.6344%	5,725
Noncurrent loans to loans	0.8247%	5,400
Net loans and leases to total assets	50.5125%	6,116
Net loans and leases to deposits	60.9572%	5,959
Net loans and leases to core deposits	63.2922%	6,119
Total domestic deposits to total assets	82.8656%	4,856
Equity capital to assets	9.5943%	4,278
Core capital (leverage) ratio	9.2534%	4,091
Tier 1 risk-based capital ratio	18.4838%	1,848
Total risk-based capital ratio	19.6105%	1,852
Memoranda:
Average total assets	$114,070,200	4,610
Average earning assets	$109,007,400	4,489
Average equity	$10,877,000	4,896
Average total loans	$60,625,000	5,045
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0072%	4,783
Cost of funding earning assets	1.6658%	2,026
Net interest margin	3.3414%	5,876
Noninterest income to average assets	0.3783%	5,134
Noninterest expense to average assets	2.5677%	5,438
Loan and lease loss provision to assets	0.1756%	5,286
Net operating income to assets	0.5658%	4,027
Return on assets (ROA)	0.5939%	4,059
Pretax return on assets	0.8767%	3,634
Return on Equity (ROE)	6.2384%	3,711
Retained earnings to average equity (ytd only)	6.2384%	2,240
Net charge-offs to loans	0.2239%	4,596
Credit loss provision to net charge-offs	146.0784%	2,692
Earnings coverage of net charge-offs (x)	8.4115%	2,170
Efficiency ratio	71.7484%	3,752
Assets per employee ($millions)	4.1115%	3,627
Cash dividends to net income (ytd only)*	0.0000%	3,526
Condition Ratios (%)
Loss allowance to loans	1.0236%	6,291
Loan loss allowance to noncurrent loans	54.6491%	4,652
Noncurrent assets plus other real estate owned to assets	1.0702%	4,977
Noncurrent loans to loans	1.8731%	3,836
Net loans and leases to total assets	52.3254%	6,065
Net loans and leases to deposits	64.0373%	5,911
Net loans and leases to core deposits	67.4996%	5,992
Total domestic deposits to total assets	81.7107%	5,111
Equity capital to assets	9.6663%	4,593
Core capital (leverage) ratio	9.3006%	4,210
Tier 1 risk-based capital ratio	18.1407%	1,991
Total risk-based capital ratio	19.2091%	1,997
Memoranda:
Average total assets	$113,148,500	4,693
Average earning assets	$108,374,500	4,558
Average equity	$10,771,750	4,980
Average total loans	$60,745,750	5,112
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0501%	4,704
Cost of funding earning assets	1.6821%	2,212
Net interest margin	3.3680%	5,765
Noninterest income to average assets	0.3467%	5,377
Noninterest expense to average assets	2.6349%	5,194
Loan and lease loss provision to assets	0.1849%	5,022
Net operating income to assets	0.5455%	4,117
Return on assets (ROA)	0.5903%	4,060
Pretax return on assets	0.8250%	3,796
Return on Equity (ROE)	6.2330%	3,679
Retained earnings to average equity (ytd only)	6.2330%	2,206
Net charge-offs to loans	0.0494%	5,694
Credit loss provision to net charge-offs	693.3333%	538
Earnings coverage of net charge-offs (x)	35.5333%	805
Efficiency ratio	73.5484%	3,552
Assets per employee ($millions)	3.8998%	3,977
Cash dividends to net income (ytd only)*	0.0000%	3,319
Condition Ratios (%)
Loss allowance to loans	1.0843%	6,015
Loan loss allowance to noncurrent loans	65.0049%	4,087
Noncurrent assets plus other real estate owned to assets	0.9443%	5,245
Noncurrent loans to loans	1.6680%	4,194
Net loans and leases to total assets	53.6430%	6,031
Net loans and leases to deposits	65.0745%	5,910
Net loans and leases to core deposits	69.0653%	5,966
Total domestic deposits to total assets	82.4332%	4,807
Equity capital to assets	9.6353%	4,493
Core capital (leverage) ratio	9.2550%	4,201
Tier 1 risk-based capital ratio	18.2597%	1,882
Total risk-based capital ratio	19.4266%	1,880
Memoranda:
Average total assets	$112,490,670	4,739
Average earning assets	$108,077,330	4,606
Average equity	$10,653,000	5,014
Average total loans	$60,707,330	5,151
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1002%	4,524
Cost of funding earning assets	1.7025%	2,377
Net interest margin	3.3977%	5,593
Noninterest income to average assets	0.2745%	5,956
Noninterest expense to average assets	2.3389%	6,282
Loan and lease loss provision to assets	0.2104%	4,402
Net operating income to assets	0.5134%	4,329
Return on assets (ROA)	0.5134%	4,468
Pretax return on assets	0.9983%	3,100
Return on Equity (ROE)	5.4696%	4,119
Retained earnings to average equity (ytd only)	5.4696%	2,886
Net charge-offs to loans	-0.0331%	7,223
Credit loss provision to net charge-offs	-1,180.0000%	6,418
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	65.9296%	5,129
Assets per employee ($millions)	3.9096%	4,073
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	1.0653%	6,161
Loan loss allowance to noncurrent loans	70.4846%	3,833
Noncurrent assets plus other real estate owned to assets	0.8132%	5,531
Noncurrent loans to loans	1.5113%	4,480
Net loans and leases to total assets	52.4251%	6,227
Net loans and leases to deposits	63.5834%	6,097
Net loans and leases to core deposits	70.0444%	5,913
Total domestic deposits to total assets	82.4509%	4,871
Equity capital to assets	9.4550%	4,603
Core capital (leverage) ratio	9.2063%	4,214
Tier 1 risk-based capital ratio	17.8330%	1,990
Total risk-based capital ratio	18.9514%	1,997
Memoranda:
Average total assets	$112,189,000	4,814
Average earning assets	$108,074,000	4,654
Average equity	$10,531,000	5,091
Average total loans	$60,395,000	5,233
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.8436%	2,470
Cost of funding earning assets	2.0133%	2,900
Net interest margin	3.8303%	3,578
Noninterest income to average assets	0.3951%	5,243
Noninterest expense to average assets	2.6472%	5,605
Loan and lease loss provision to assets	0.2311%	5,518
Net operating income to assets	0.7179%	2,862
Return on assets (ROA)	0.7932%	2,651
Pretax return on assets	1.3137%	1,660
Return on Equity (ROE)	8.1346%	2,317
Retained earnings to average equity (ytd only)	8.1346%	666
Net charge-offs to loans	0.1664%	5,622
Credit loss provision to net charge-offs	231.6832%	1,581
Earnings coverage of net charge-offs (x)	14.3069%	1,380
Efficiency ratio	64.9697%	5,590
Assets per employee ($millions)	3.9643%	3,890
Cash dividends to net income (ytd only)*	0.0000%	4,015
Condition Ratios (%)
Loss allowance to loans	0.9488%	6,640
Loan loss allowance to noncurrent loans	52.1267%	4,888
Noncurrent assets plus other real estate owned to assets	0.9955%	5,119
Noncurrent loans to loans	1.8201%	3,898
Net loans and leases to total assets	54.1762%	6,181
Net loans and leases to deposits	65.9795%	6,049
Net loans and leases to core deposits	85.2749%	5,593
Total domestic deposits to total assets	82.1106%	4,901
Equity capital to assets	9.3172%	4,679
Core capital (leverage) ratio	9.4287%	3,802
Tier 1 risk-based capital ratio	17.2004%	2,099
Total risk-based capital ratio	18.1852%	2,137
Memoranda:
Average total assets	$101,240,800	5,054
Average earning assets	$97,251,800	4,914
Average equity	$9,871,400	5,332
Average total loans	$60,701,400	5,219
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.0122%	1,984
Cost of funding earning assets	2.0833%	2,967
Net interest margin	3.9290%	3,130
Noninterest income to average assets	0.4224%	5,117
Noninterest expense to average assets	2.7759%	4,997
Loan and lease loss provision to assets	0.2362%	5,083
Net operating income to assets	0.7150%	3,155
Return on assets (ROA)	0.8178%	2,801
Pretax return on assets	1.3427%	1,841
Return on Equity (ROE)	8.2838%	2,524
Retained earnings to average equity (ytd only)	8.2838%	1,049
Net charge-offs to loans	0.1691%	5,041
Credit loss provision to net charge-offs	227.2727%	1,919
Earnings coverage of net charge-offs (x)	13.6499%	1,664
Efficiency ratio	66.1840%	5,331
Assets per employee ($millions)	3.6990%	4,430
Cash dividends to net income (ytd only)*	0.0000%	3,688
Condition Ratios (%)
Loss allowance to loans	0.8848%	6,825
Loan loss allowance to noncurrent loans	53.8308%	4,742
Noncurrent assets plus other real estate owned to assets	0.9703%	5,121
Noncurrent loans to loans	1.6437%	4,182
Net loans and leases to total assets	58.5100%	5,808
Net loans and leases to deposits	73.7226%	5,399
Net loans and leases to core deposits	96.8453%	4,722
Total domestic deposits to total assets	79.3651%	5,672
Equity capital to assets	9.7015%	4,492
Core capital (leverage) ratio	9.6910%	3,658
Tier 1 risk-based capital ratio	17.8619%	2,028
Total risk-based capital ratio	18.8434%	2,056
Memoranda:
Average total assets	$98,801,250	5,156
Average earning assets	$94,848,750	5,010
Average equity	$9,753,750	5,415
Average total loans	$60,699,000	5,252
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1138%	1,746
Cost of funding earning assets	2.1637%	2,966
Net interest margin	3.9500%	2,886
Noninterest income to average assets	0.4300%	5,033
Noninterest expense to average assets	2.9235%	4,415
Loan and lease loss provision to assets	0.2407%	4,663
Net operating income to assets	0.6696%	3,384
Return on assets (ROA)	0.8250%	2,853
Pretax return on assets	1.2982%	2,034
Return on Equity (ROE)	8.3060%	2,652
Retained earnings to average equity (ytd only)	8.3060%	1,120
Net charge-offs to loans	-0.0495%	7,848
Credit loss provision to net charge-offs	-780.0000%	7,097
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.2833%	4,926
Assets per employee ($millions)	3.4641%	4,910
Cash dividends to net income (ytd only)*	0.0000%	3,532
Condition Ratios (%)
Loss allowance to loans	0.9603%	6,503
Loan loss allowance to noncurrent loans	61.8280%	4,361
Noncurrent assets plus other real estate owned to assets	0.9258%	5,122
Noncurrent loans to loans	1.5531%	4,165
Net loans and leases to total assets	59.0336%	5,839
Net loans and leases to deposits	75.9791%	5,182
Net loans and leases to core deposits	94.8515%	5,021
Total domestic deposits to total assets	77.6971%	6,155
Equity capital to assets	9.7922%	4,223
Core capital (leverage) ratio	9.8109%	3,505
Tier 1 risk-based capital ratio	18.0566%	2,007
Total risk-based capital ratio	19.1298%	1,990
Memoranda:
Average total assets	$97,211,000	5,241
Average earning assets	$93,264,670	5,087
Average equity	$9,655,670	5,471
Average total loans	$60,551,670	5,302
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.2415%	1,470
Cost of funding earning assets	2.2712%	2,834
Net interest margin	3.9703%	2,770
Noninterest income to average assets	0.4226%	5,019
Noninterest expense to average assets	2.7117%	4,946
Loan and lease loss provision to assets	0.2469%	4,002
Net operating income to assets	0.7860%	3,188
Return on assets (ROA)	0.9708%	2,561
Pretax return on assets	1.5567%	1,518
Return on Equity (ROE)	9.7020%	2,442
Retained earnings to average equity (ytd only)	9.7020%	1,276
Net charge-offs to loans	0.1774%	3,579
Credit loss provision to net charge-offs	218.5185%	2,068
Earnings coverage of net charge-offs (x)	13.4074%	1,738
Efficiency ratio	64.1584%	5,663
Assets per employee ($millions)	3.2295%	5,518
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	0.7901%	7,192
Loan loss allowance to noncurrent loans	70.0590%	4,095
Noncurrent assets plus other real estate owned to assets	0.6998%	5,406
Noncurrent loans to loans	1.1278%	4,728
Net loans and leases to total assets	61.5616%	5,406
Net loans and leases to deposits	78.0211%	4,918
Net loans and leases to core deposits	96.6677%	4,881
Total domestic deposits to total assets	78.9039%	5,763
Equity capital to assets	10.0098%	3,996
Core capital (leverage) ratio	10.0415%	3,361
Tier 1 risk-based capital ratio	18.1923%	2,003
Total risk-based capital ratio	19.1013%	2,038
Memoranda:
Average total assets	$95,587,500	5,314
Average earning assets	$91,581,000	5,163
Average equity	$9,565,000	5,516
Average total loans	$60,888,000	5,326
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.5315%	2,802
Cost of funding earning assets	2.7686%	2,840
Net interest margin	3.7628%	4,168
Noninterest income to average assets	0.3354%	6,057
Noninterest expense to average assets	2.5946%	5,675
Loan and lease loss provision to assets	0.2615%	4,313
Net operating income to assets	0.6880%	3,944
Return on assets (ROA)	0.6859%	3,793
Pretax return on assets	1.0781%	3,105
Return on Equity (ROE)	7.0511%	3,504
Retained earnings to average equity (ytd only)	7.0511%	1,134
Net charge-offs to loans	0.4047%	2,790
Credit loss provision to net charge-offs	98.3871%	5,434
Earnings coverage of net charge-offs (x)	5.0524%	3,769
Efficiency ratio	65.8955%	5,145
Assets per employee ($millions)	3.2514%	5,331
Cash dividends to net income (ytd only)*	0.0000%	4,825
Condition Ratios (%)
Loss allowance to loans	0.7185%	7,376
Loan loss allowance to noncurrent loans	62.3066%	4,883
Noncurrent assets plus other real estate owned to assets	0.7541%	4,958
Noncurrent loans to loans	1.1532%	4,227
Net loans and leases to total assets	64.9210%	5,079
Net loans and leases to deposits	81.0986%	4,856
Net loans and leases to core deposits	101.8299%	4,633
Total domestic deposits to total assets	80.0520%	5,000
Equity capital to assets	10.0032%	4,033
Core capital (leverage) ratio	9.9161%	3,530
Tier 1 risk-based capital ratio	17.6182%	2,144
Total risk-based capital ratio	18.4599%	2,203
Memoranda:
Average total assets	$93,308,600	5,246
Average earning assets	$89,321,600	5,108
Average equity	$9,076,600	5,715
Average total loans	$61,273,800	5,209