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First State 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	4.8506%	2,378
Cost of funding earning assets	1.7088%	1,432
Net interest margin	3.1419%	2,999
Noninterest income to average assets	0.6300%	1,422
Noninterest expense to average assets	2.3607%	2,697
Loan and lease loss provision to assets	0.0200%	2,739
Net operating income to assets	0.9943%	2,238
Return on assets (ROA)	0.9943%	2,220
Pretax return on assets	1.1851%	2,179
Return on Equity (ROE)	16.0700%	1,084
Retained earnings to average equity (ytd only)	12.9275%	516
Net charge-offs to loans	0.0204%	1,932
Credit loss provision to net charge-offs	196.7391%	1,235
Earnings coverage of net charge-offs (x)	121.0978%	818
Efficiency ratio	64.8622%	2,498
Assets per employee ($millions)	5.9304%	2,878
Cash dividends to net income (ytd only)*	19.5759%	2,956
Condition Ratios (%)
Loss allowance to loans	1.1777%	2,424
Loan loss allowance to noncurrent loans	312.2090%	1,972
Noncurrent assets plus other real estate owned to assets	0.1800%	2,333
Noncurrent loans to loans	0.3772%	1,855
Net loans and leases to total assets	47.1500%	3,770
Net loans and leases to deposits	52.7030%	3,845
Net loans and leases to core deposits	59.9924%	3,764
Total domestic deposits to total assets	89.4600%	918
Equity capital to assets	6.6815%	4,057
Core capital (leverage) ratio	9.8102%	2,960
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	18.0332%	912
Memoranda:
Average total assets	$924,797,200	1,059
Average earning assets	$865,251,000	1,038
Average equity	$57,203,600	1,440
Average total loans	$449,983,200	1,347
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7717%	2,327
Cost of funding earning assets	1.5882%	1,392
Net interest margin	3.1835%	2,952
Noninterest income to average assets	0.6400%	1,370
Noninterest expense to average assets	2.3918%	2,536
Loan and lease loss provision to assets	0.0100%	2,772
Net operating income to assets	1.0195%	2,305
Return on assets (ROA)	1.0217%	2,287
Pretax return on assets	1.2125%	2,270
Return on Equity (ROE)	16.8800%	1,094
Retained earnings to average equity (ytd only)	13.6183%	725
Net charge-offs to loans	-0.0150%	4,050
Credit loss provision to net charge-offs	0.0000%	2,098
Earnings coverage of net charge-offs (x)	0.0000%	2,572
Efficiency ratio	64.8023%	2,409
Assets per employee ($millions)	5.6586%	3,057
Cash dividends to net income (ytd only)*	19.3299%	2,486
Condition Ratios (%)
Loss allowance to loans	1.2033%	2,339
Loan loss allowance to noncurrent loans	326.6039%	1,905
Noncurrent assets plus other real estate owned to assets	0.1882%	2,336
Noncurrent loans to loans	0.3684%	1,914
Net loans and leases to total assets	49.4000%	3,660
Net loans and leases to deposits	53.9561%	3,787
Net loans and leases to core deposits	58.9292%	3,744
Total domestic deposits to total assets	91.5500%	547
Equity capital to assets	5.6926%	4,084
Core capital (leverage) ratio	9.7535%	3,046
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.7971%	974
Memoranda:
Average total assets	$911,368,000	1,073
Average earning assets	$851,828,000	1,051
Average equity	$55,159,750	1,472
Average total loans	$445,770,500	1,352
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5680%	2,488
Cost of funding earning assets	1.4257%	1,380
Net interest margin	3.1423%	3,130
Noninterest income to average assets	0.6400%	1,305
Noninterest expense to average assets	2.3745%	2,576
Loan and lease loss provision to assets	0.0100%	2,681
Net operating income to assets	1.0296%	2,321
Return on assets (ROA)	1.0325%	2,310
Pretax return on assets	1.1942%	2,375
Return on Equity (ROE)	16.7200%	1,145
Retained earnings to average equity (ytd only)	13.5107%	743
Net charge-offs to loans	-0.0073%	3,821
Credit loss provision to net charge-offs	0.0000%	1,862
Earnings coverage of net charge-offs (x)	0.0000%	2,403
Efficiency ratio	64.9507%	2,382
Assets per employee ($millions)	5.6716%	3,003
Cash dividends to net income (ytd only)*	19.2061%	2,470
Condition Ratios (%)
Loss allowance to loans	1.2313%	2,280
Loan loss allowance to noncurrent loans	268.6428%	2,273
Noncurrent assets plus other real estate owned to assets	0.2168%	2,109
Noncurrent loans to loans	0.4583%	1,570
Net loans and leases to total assets	46.7200%	3,757
Net loans and leases to deposits	51.2566%	3,868
Net loans and leases to core deposits	55.7379%	3,823
Total domestic deposits to total assets	91.1400%	610
Equity capital to assets	6.2521%	4,085
Core capital (leverage) ratio	9.5563%	3,189
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.9686%	963
Memoranda:
Average total assets	$907,709,000	1,071
Average earning assets	$849,557,333	1,054
Average equity	$56,044,667	1,457
Average total loans	$440,645,667	1,345
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3666%	2,639
Cost of funding earning assets	1.1861%	1,488
Net interest margin	3.1805%	3,160
Noninterest income to average assets	0.6400%	1,279
Noninterest expense to average assets	2.3816%	2,579
Loan and lease loss provision to assets	0.0100%	2,408
Net operating income to assets	1.0521%	2,374
Return on assets (ROA)	1.0552%	2,336
Pretax return on assets	1.2164%	2,387
Return on Equity (ROE)	17.2000%	1,142
Retained earnings to average equity (ytd only)	13.9104%	954
Net charge-offs to loans	0.0274%	1,147
Credit loss provision to net charge-offs	106.6667%	1,079
Earnings coverage of net charge-offs (x)	91.1000%	833
Efficiency ratio	64.4892%	2,390
Assets per employee ($millions)	5.6523%	3,067
Cash dividends to net income (ytd only)*	19.1489%	2,000
Condition Ratios (%)
Loss allowance to loans	1.2342%	2,368
Loan loss allowance to noncurrent loans	254.7552%	2,406
Noncurrent assets plus other real estate owned to assets	0.2291%	1,971
Noncurrent loans to loans	0.4845%	1,503
Net loans and leases to total assets	46.7100%	3,734
Net loans and leases to deposits	51.2185%	3,835
Net loans and leases to core deposits	55.5837%	3,763
Total domestic deposits to total assets	91.2000%	736
Equity capital to assets	6.2316%	4,126
Core capital (leverage) ratio	10.0007%	2,693
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.7174%	1,036
Memoranda:
Average total assets	$890,820,000	1,109
Average earning assets	$832,319,500	1,091
Average equity	$54,635,500	1,498
Average total loans	$438,310,500	1,355
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7290%	2,458
Cost of funding earning assets	0.4220%	1,921
Net interest margin	3.3070%	2,547
Noninterest income to average assets	0.7200%	1,221
Noninterest expense to average assets	2.4472%	2,275
Loan and lease loss provision to assets	0.0400%	2,129
Net operating income to assets	1.0944%	2,198
Return on assets (ROA)	1.0338%	2,379
Pretax return on assets	1.2439%	2,295
Return on Equity (ROE)	14.3500%	1,446
Retained earnings to average equity (ytd only)	11.6618%	743
Net charge-offs to loans	0.1191%	638
Credit loss provision to net charge-offs	68.0982%	1,733
Earnings coverage of net charge-offs (x)	23.2004%	1,822
Efficiency ratio	62.6635%	2,681
Assets per employee ($millions)	5.2757%	3,448
Cash dividends to net income (ytd only)*	18.7413%	2,948
Condition Ratios (%)
Loss allowance to loans	1.0799%	2,990
Loan loss allowance to noncurrent loans	217.6633%	2,569
Noncurrent assets plus other real estate owned to assets	0.2544%	1,885
Noncurrent loans to loans	0.4961%	1,460
Net loans and leases to total assets	50.7200%	3,456
Net loans and leases to deposits	54.2573%	3,668
Net loans and leases to core deposits	57.2311%	3,658
Total domestic deposits to total assets	93.4800%	309
Equity capital to assets	6.0264%	4,079
Core capital (leverage) ratio	10.0176%	2,621
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.3409%	1,076
Memoranda:
Average total assets	$836,174,400	1,150
Average earning assets	$780,645,400	1,135
Average equity	$60,231,000	1,398
Average total loans	$410,647,600	1,364
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5217%	2,543
Cost of funding earning assets	0.2795%	2,386
Net interest margin	3.2423%	2,486
Noninterest income to average assets	0.7100%	1,285
Noninterest expense to average assets	2.3987%	2,336
Loan and lease loss provision to assets	0.0200%	2,326
Net operating income to assets	1.1047%	2,067
Return on assets (ROA)	1.0270%	2,347
Pretax return on assets	1.2296%	2,259
Return on Equity (ROE)	13.6800%	1,516
Retained earnings to average equity (ytd only)	11.0872%	1,029
Net charge-offs to loans	0.1063%	584
Credit loss provision to net charge-offs	29.8137%	1,603
Earnings coverage of net charge-offs (x)	25.9068%	1,595
Efficiency ratio	62.4667%	2,771
Assets per employee ($millions)	5.2988%	3,415
Cash dividends to net income (ytd only)*	18.9696%	2,508
Condition Ratios (%)
Loss allowance to loans	1.0975%	3,023
Loan loss allowance to noncurrent loans	241.9305%	2,460
Noncurrent assets plus other real estate owned to assets	0.2469%	1,987
Noncurrent loans to loans	0.4537%	1,674
Net loans and leases to total assets	48.9400%	3,536
Net loans and leases to deposits	51.9305%	3,736
Net loans and leases to core deposits	54.7011%	3,708
Total domestic deposits to total assets	94.2400%	326
Equity capital to assets	5.3179%	4,185
Core capital (leverage) ratio	10.0256%	2,522
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.9085%	1,007
Memoranda:
Average total assets	$831,552,500	1,161
Average earning assets	$777,094,750	1,150
Average equity	$62,412,500	1,373
Average total loans	$403,757,250	1,369
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3669%	2,524
Cost of funding earning assets	0.2018%	2,892
Net interest margin	3.1651%	2,306
Noninterest income to average assets	0.6864%	1,401
Noninterest expense to average assets	2.3715%	2,332
Loan and lease loss provision to assets	0.0102%	2,403
Net operating income to assets	1.0615%	1,934
Return on assets (ROA)	1.0423%	1,980
Pretax return on assets	1.2443%	1,919
Return on Equity (ROE)	12.6088%	1,490
Retained earnings to average equity (ytd only)	10.2264%	964
Net charge-offs to loans	0.0302%	1,123
Credit loss provision to net charge-offs	70.0000%	1,429
Earnings coverage of net charge-offs (x)	87.5667%	881
Efficiency ratio	63.1463%	2,893
Assets per employee ($millions)	5.0873%	3,601
Cash dividends to net income (ytd only)*	18.8943%	2,500
Condition Ratios (%)
Loss allowance to loans	1.1706%	2,845
Loan loss allowance to noncurrent loans	189.8635%	2,743
Noncurrent assets plus other real estate owned to assets	0.3256%	1,697
Noncurrent loans to loans	0.6165%	1,376
Net loans and leases to total assets	49.8893%	3,387
Net loans and leases to deposits	53.8450%	3,550
Net loans and leases to core deposits	54.5976%	3,662
Total domestic deposits to total assets	92.6535%	601
Equity capital to assets	6.9692%	3,789
Core capital (leverage) ratio	10.0654%	2,318
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.5290%	1,068
Memoranda:
Average total assets	$822,602,667	1,168
Average earning assets	$769,967,000	1,166
Average equity	$68,000,333	1,318
Average total loans	$396,752,667	1,389
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.2237%	2,617
Cost of funding earning assets	0.1914%	2,921
Net interest margin	3.0323%	2,392
Noninterest income to average assets	0.6488%	1,498
Noninterest expense to average assets	2.3387%	2,377
Loan and lease loss provision to assets	0.0063%	2,195
Net operating income to assets	0.9660%	2,013
Return on assets (ROA)	0.9778%	1,971
Pretax return on assets	1.1633%	1,940
Return on Equity (ROE)	10.9658%	1,631
Retained earnings to average equity (ytd only)	8.7552%	1,345
Net charge-offs to loans	0.0186%	1,157
Credit loss provision to net charge-offs	72.2222%	1,132
Earnings coverage of net charge-offs (x)	131.8889%	578
Efficiency ratio	64.8698%	2,930
Assets per employee ($millions)	5.2242%	3,568
Cash dividends to net income (ytd only)*	20.1593%	1,977
Condition Ratios (%)
Loss allowance to loans	1.2288%	2,713
Loan loss allowance to noncurrent loans	186.6590%	2,700
Noncurrent assets plus other real estate owned to assets	0.3313%	1,786
Noncurrent loans to loans	0.6583%	1,441
Net loans and leases to total assets	46.9585%	3,491
Net loans and leases to deposits	51.3063%	3,627
Net loans and leases to core deposits	52.0290%	3,733
Total domestic deposits to total assets	91.5258%	786
Equity capital to assets	8.2140%	3,388
Core capital (leverage) ratio	10.0315%	2,259
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.8806%	1,062
Memoranda:
Average total assets	$821,835,000	1,168
Average earning assets	$771,165,500	1,167
Average equity	$73,282,500	1,281
Average total loans	$387,115,500	1,407
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1805%	3,517
Cost of funding earning assets	0.3199%	2,197
Net interest margin	2.8606%	3,533
Noninterest income to average assets	0.8089%	1,425
Noninterest expense to average assets	2.7808%	1,406
Loan and lease loss provision to assets	-0.0719%	4,452
Net operating income to assets	0.6507%	3,744
Return on assets (ROA)	0.9571%	2,912
Pretax return on assets	1.1766%	2,744
Return on Equity (ROE)	9.8969%	2,559
Retained earnings to average equity (ytd only)	8.0433%	1,518
Net charge-offs to loans	0.0389%	1,477
Credit loss provision to net charge-offs	-392.8058%	3,688
Earnings coverage of net charge-offs (x)	39.7122%	1,445
Efficiency ratio	77.1352%	1,015
Assets per employee ($millions)	4.8663%	3,836
Cash dividends to net income (ytd only)*	18.7294%	3,064
Condition Ratios (%)
Loss allowance to loans	1.2971%	2,371
Loan loss allowance to noncurrent loans	184.9414%	2,716
Noncurrent assets plus other real estate owned to assets	0.3474%	1,833
Noncurrent loans to loans	0.7014%	1,436
Net loans and leases to total assets	46.0445%	3,689
Net loans and leases to deposits	51.1201%	3,792
Net loans and leases to core deposits	51.8772%	3,899
Total domestic deposits to total assets	90.0713%	928
Equity capital to assets	9.6443%	2,999
Core capital (leverage) ratio	9.1746%	3,199
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.0999%	1,240
Memoranda:
Average total assets	$759,788,600	1,207
Average earning assets	$716,706,000	1,193
Average equity	$73,477,600	1,296
Average total loans	$357,035,600	1,500
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1771%	3,646
Cost of funding earning assets	0.3571%	2,043
Net interest margin	2.8200%	3,736
Noninterest income to average assets	0.8437%	1,401
Noninterest expense to average assets	2.7572%	1,442
Loan and lease loss provision to assets	-0.0788%	4,546
Net operating income to assets	0.6671%	3,847
Return on assets (ROA)	1.1017%	2,606
Pretax return on assets	1.3603%	2,463
Return on Equity (ROE)	11.3838%	2,248
Retained earnings to average equity (ytd only)	9.5009%	1,484
Net charge-offs to loans	0.0178%	1,705
Credit loss provision to net charge-offs	-940.4255%	3,842
Earnings coverage of net charge-offs (x)	88.8936%	931
Efficiency ratio	76.6826%	988
Assets per employee ($millions)	4.9971%	3,701
Cash dividends to net income (ytd only)*	16.5399%	2,708
Condition Ratios (%)
Loss allowance to loans	1.3937%	2,051
Loan loss allowance to noncurrent loans	165.3333%	2,803
Noncurrent assets plus other real estate owned to assets	0.4207%	1,781
Noncurrent loans to loans	0.8429%	1,354
Net loans and leases to total assets	44.9895%	3,869
Net loans and leases to deposits	49.9081%	4,010
Net loans and leases to core deposits	50.7099%	4,097
Total domestic deposits to total assets	90.1448%	707
Equity capital to assets	9.6632%	3,234
Core capital (leverage) ratio	9.1079%	3,433
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.6012%	1,219
Memoranda:
Average total assets	$747,785,000	1,240
Average earning assets	$704,935,500	1,227
Average equity	$72,370,250	1,329
Average total loans	$352,085,250	1,538
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1593%	3,751
Cost of funding earning assets	0.3047%	2,741
Net interest margin	2.8547%	3,669
Noninterest income to average assets	0.8564%	1,385
Noninterest expense to average assets	2.9044%	1,138
Loan and lease loss provision to assets	-0.0230%	4,442
Net operating income to assets	0.5345%	4,152
Return on assets (ROA)	0.8898%	3,325
Pretax return on assets	1.1044%	3,201
Return on Equity (ROE)	9.1886%	3,044
Retained earnings to average equity (ytd only)	7.2632%	2,336
Net charge-offs to loans	0.0178%	1,588
Credit loss provision to net charge-offs	-270.9677%	3,291
Earnings coverage of net charge-offs (x)	75.7419%	860
Efficiency ratio	79.9413%	786
Assets per employee ($millions)	4.7738%	3,860
Cash dividends to net income (ytd only)*	20.9538%	2,466
Condition Ratios (%)
Loss allowance to loans	1.5017%	1,587
Loan loss allowance to noncurrent loans	163.0714%	2,750
Noncurrent assets plus other real estate owned to assets	0.4400%	1,867
Noncurrent loans to loans	0.9209%	1,338
Net loans and leases to total assets	44.6391%	3,997
Net loans and leases to deposits	50.3094%	4,089
Net loans and leases to core deposits	51.1065%	4,180
Total domestic deposits to total assets	88.7291%	1,428
Equity capital to assets	9.5902%	3,260
Core capital (leverage) ratio	8.9199%	3,552
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.7575%	1,178
Memoranda:
Average total assets	$730,534,333	1,249
Average earning assets	$688,628,667	1,243
Average equity	$70,740,000	1,349
Average total loans	$347,849,667	1,568
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1434%	3,795
Cost of funding earning assets	0.3195%	2,799
Net interest margin	2.8239%	3,705
Noninterest income to average assets	0.8889%	1,361
Noninterest expense to average assets	3.1388%	789
Loan and lease loss provision to assets	0.0092%	2,653
Net operating income to assets	0.3297%	4,481
Return on assets (ROA)	0.6914%	3,793
Pretax return on assets	0.8330%	3,756
Return on Equity (ROE)	7.1009%	3,580
Retained earnings to average equity (ytd only)	5.0848%	3,202
Net charge-offs to loans	-0.0047%	3,370
Credit loss provision to net charge-offs	-400.0000%	3,116
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	86.9601%	479
Assets per employee ($millions)	4.5743%	4,041
Cash dividends to net income (ytd only)*	28.3930%	1,765
Condition Ratios (%)
Loss allowance to loans	1.5488%	1,423
Loan loss allowance to noncurrent loans	143.1533%	2,848
Noncurrent assets plus other real estate owned to assets	0.5473%	1,731
Noncurrent loans to loans	1.0819%	1,233
Net loans and leases to total assets	45.1887%	4,026
Net loans and leases to deposits	50.7650%	4,121
Net loans and leases to core deposits	51.6062%	4,213
Total domestic deposits to total assets	89.0156%	1,335
Equity capital to assets	9.2873%	3,407
Core capital (leverage) ratio	10.1275%	2,410
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	17.6502%	1,136
Memoranda:
Average total assets	$694,798,500	1,293
Average earning assets	$653,560,500	1,287
Average equity	$67,653,000	1,385
Average total loans	$340,041,500	1,596
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9099%	3,000
Cost of funding earning assets	0.5122%	2,870
Net interest margin	3.3976%	2,785
Noninterest income to average assets	0.8998%	1,270
Noninterest expense to average assets	2.7655%	2,029
Loan and lease loss provision to assets	0.3060%	1,228
Net operating income to assets	0.8427%	2,928
Return on assets (ROA)	1.1531%	1,835
Pretax return on assets	1.4112%	1,623
Return on Equity (ROE)	11.0402%	1,612
Retained earnings to average equity (ytd only)	8.8745%	801
Net charge-offs to loans	0.1903%	894
Credit loss provision to net charge-offs	272.9299%	1,830
Earnings coverage of net charge-offs (x)	11.9411%	2,366
Efficiency ratio	66.1505%	2,507
Assets per employee ($millions)	4.3368%	4,080
Cash dividends to net income (ytd only)*	19.6160%	3,256
Condition Ratios (%)
Loss allowance to loans	1.7473%	953
Loan loss allowance to noncurrent loans	244.0018%	2,018
Noncurrent assets plus other real estate owned to assets	0.3789%	2,465
Noncurrent loans to loans	0.7161%	1,910
Net loans and leases to total assets	51.9861%	3,658
Net loans and leases to deposits	59.3653%	3,805
Net loans and leases to core deposits	60.3236%	3,925
Total domestic deposits to total assets	87.5699%	1,673
Equity capital to assets	10.3240%	2,811
Core capital (leverage) ratio	9.2579%	3,374
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.3040%	1,443
Memoranda:
Average total assets	$560,152,400	1,419
Average earning assets	$528,306,600	1,396
Average equity	$58,504,600	1,477
Average total loans	$330,072,400	1,579
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0270%	2,897
Cost of funding earning assets	0.5680%	2,821
Net interest margin	3.4590%	2,724
Noninterest income to average assets	0.9022%	1,216
Noninterest expense to average assets	2.6257%	2,462
Loan and lease loss provision to assets	0.1793%	2,197
Net operating income to assets	1.1016%	1,975
Return on assets (ROA)	1.5245%	936
Pretax return on assets	1.8820%	658
Return on Equity (ROE)	14.5507%	780
Retained earnings to average equity (ytd only)	12.3483%	388
Net charge-offs to loans	0.0753%	1,557
Credit loss provision to net charge-offs	393.0851%	1,479
Earnings coverage of net charge-offs (x)	33.7394%	1,494
Efficiency ratio	61.7921%	3,105
Assets per employee ($millions)	4.4261%	3,927
Cash dividends to net income (ytd only)*	15.1361%	2,969
Condition Ratios (%)
Loss allowance to loans	1.5300%	1,301
Loan loss allowance to noncurrent loans	203.5556%	2,170
Noncurrent assets plus other real estate owned to assets	0.4236%	2,473
Noncurrent loans to loans	0.7516%	1,924
Net loans and leases to total assets	55.4997%	3,663
Net loans and leases to deposits	64.2332%	3,777
Net loans and leases to core deposits	65.1526%	3,946
Total domestic deposits to total assets	86.4034%	1,895
Equity capital to assets	10.5385%	2,759
Core capital (leverage) ratio	9.5152%	3,247
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.5475%	1,360
Memoranda:
Average total assets	$549,486,250	1,422
Average earning assets	$518,288,500	1,401
Average equity	$57,572,000	1,484
Average total loans	$332,852,000	1,565
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1457%	2,920
Cost of funding earning assets	0.6621%	2,617
Net interest margin	3.4837%	2,845
Noninterest income to average assets	0.8291%	1,351
Noninterest expense to average assets	2.6592%	2,492
Loan and lease loss provision to assets	0.2711%	1,578
Net operating income to assets	0.9512%	2,488
Return on assets (ROA)	1.5999%	828
Pretax return on assets	1.9825%	567
Return on Equity (ROE)	15.3025%	669
Retained earnings to average equity (ytd only)	13.0478%	349
Net charge-offs to loans	0.0707%	1,542
Credit loss provision to net charge-offs	617.7966%	1,086
Earnings coverage of net charge-offs (x)	33.1102%	1,364
Efficiency ratio	63.3511%	2,905
Assets per employee ($millions)	4.5790%	3,680
Cash dividends to net income (ytd only)*	14.7339%	2,928
Condition Ratios (%)
Loss allowance to loans	1.5320%	1,172
Loan loss allowance to noncurrent loans	197.1384%	2,163
Noncurrent assets plus other real estate owned to assets	0.4700%	2,440
Noncurrent loans to loans	0.7771%	1,946
Net loans and leases to total assets	55.4736%	3,732
Net loans and leases to deposits	63.7673%	3,900
Net loans and leases to core deposits	64.6611%	4,039
Total domestic deposits to total assets	86.9937%	1,623
Equity capital to assets	10.0499%	3,161
Core capital (leverage) ratio	9.6626%	3,169
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.2682%	1,422
Memoranda:
Average total assets	$537,901,333	1,422
Average earning assets	$506,880,667	1,403
Average equity	$56,239,333	1,496
Average total loans	$334,039,333	1,536
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4193%	2,548
Cost of funding earning assets	0.8306%	2,221
Net interest margin	3.5887%	2,701
Noninterest income to average assets	0.6835%	1,714
Noninterest expense to average assets	2.8035%	2,422
Loan and lease loss provision to assets	0.1056%	2,366
Net operating income to assets	0.9264%	2,430
Return on assets (ROA)	1.0886%	1,980
Pretax return on assets	1.3466%	1,730
Return on Equity (ROE)	10.1834%	1,686
Retained earnings to average equity (ytd only)	7.8644%	1,269
Net charge-offs to loans	0.0717%	1,315
Credit loss provision to net charge-offs	225.0000%	1,347
Earnings coverage of net charge-offs (x)	26.6833%	1,250
Efficiency ratio	67.6822%	2,724
Assets per employee ($millions)	4.1306%	3,748
Cash dividends to net income (ytd only)*	22.7730%	2,297
Condition Ratios (%)
Loss allowance to loans	1.3552%	1,887
Loan loss allowance to noncurrent loans	168.3395%	2,339
Noncurrent assets plus other real estate owned to assets	0.5305%	2,400
Noncurrent loans to loans	0.8050%	1,998
Net loans and leases to total assets	62.8084%	3,217
Net loans and leases to deposits	72.6002%	3,394
Net loans and leases to core deposits	75.3254%	3,544
Total domestic deposits to total assets	86.5127%	1,772
Equity capital to assets	10.5575%	3,270
Core capital (leverage) ratio	10.0328%	3,428
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.7339%	1,676
Memoranda:
Average total assets	$511,506,000	1,441
Average earning assets	$480,614,500	1,420
Average equity	$54,677,000	1,525
Average total loans	$334,671,000	1,504
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5470%	2,789
Cost of funding earning assets	0.8292%	2,531
Net interest margin	3.7178%	2,760
Noninterest income to average assets	0.7659%	1,562
Noninterest expense to average assets	2.8601%	2,412
Loan and lease loss provision to assets	0.2224%	872
Net operating income to assets	0.9724%	2,940
Return on assets (ROA)	1.1071%	2,509
Pretax return on assets	1.3280%	2,403
Return on Equity (ROE)	10.5269%	2,075
Retained earnings to average equity (ytd only)	8.3452%	875
Net charge-offs to loans	0.1939%	1,043
Credit loss provision to net charge-offs	169.2913%	1,534
Earnings coverage of net charge-offs (x)	10.5669%	2,561
Efficiency ratio	65.7933%	2,805
Assets per employee ($millions)	3.9544%	3,962
Cash dividends to net income (ytd only)*	20.7251%	3,462
Condition Ratios (%)
Loss allowance to loans	1.3486%	1,715
Loan loss allowance to noncurrent loans	153.2445%	2,559
Noncurrent assets plus other real estate owned to assets	0.6118%	2,061
Noncurrent loans to loans	0.8801%	1,743
Net loans and leases to total assets	66.4005%	2,906
Net loans and leases to deposits	77.7428%	3,036
Net loans and leases to core deposits	81.6133%	3,165
Total domestic deposits to total assets	85.4104%	2,344
Equity capital to assets	10.8305%	3,155
Core capital (leverage) ratio	10.0814%	3,428
Tier 1 risk-based capital ratio	14.3900%	3,073
Total risk-based capital ratio	15.6403%	2,983
Memoranda:
Average total assets	$483,348,000	1,469
Average earning assets	$452,738,800	1,446
Average equity	$50,831,600	1,570
Average total loans	$327,470,200	1,506
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5276%	2,967
Cost of funding earning assets	0.8428%	2,500
Net interest margin	3.6848%	2,967
Noninterest income to average assets	0.7807%	1,483
Noninterest expense to average assets	2.8402%	2,439
Loan and lease loss provision to assets	0.0485%	2,925
Net operating income to assets	1.1124%	2,528
Return on assets (ROA)	1.3033%	1,930
Pretax return on assets	1.5738%	1,724
Return on Equity (ROE)	12.4888%	1,448
Retained earnings to average equity (ytd only)	10.2771%	687
Net charge-offs to loans	0.0572%	2,012
Credit loss provision to net charge-offs	125.0000%	1,879
Earnings coverage of net charge-offs (x)	35.8504%	1,457
Efficiency ratio	65.5371%	2,791
Assets per employee ($millions)	3.9907%	3,918
Cash dividends to net income (ytd only)*	17.7097%	3,128
Condition Ratios (%)
Loss allowance to loans	1.2317%	2,326
Loan loss allowance to noncurrent loans	143.6159%	2,699
Noncurrent assets plus other real estate owned to assets	0.5761%	2,277
Noncurrent loans to loans	0.8577%	1,872
Net loans and leases to total assets	65.6331%	3,094
Net loans and leases to deposits	76.6434%	3,234
Net loans and leases to core deposits	80.1985%	3,379
Total domestic deposits to total assets	85.6344%	2,149
Equity capital to assets	10.8461%	3,254
Core capital (leverage) ratio	10.0793%	3,553
Tier 1 risk-based capital ratio	14.2951%	3,177
Total risk-based capital ratio	15.4609%	3,122
Memoranda:
Average total assets	$480,610,250	1,483
Average earning assets	$450,238,000	1,463
Average equity	$50,155,750	1,597
Average total loans	$326,161,750	1,524
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4858%	3,061
Cost of funding earning assets	0.7758%	2,768
Net interest margin	3.7101%	2,902
Noninterest income to average assets	0.7456%	1,540
Noninterest expense to average assets	2.8689%	2,358
Loan and lease loss provision to assets	0.0611%	2,601
Net operating income to assets	1.0778%	2,616
Return on assets (ROA)	1.2905%	1,871
Pretax return on assets	1.5468%	1,712
Return on Equity (ROE)	12.5390%	1,390
Retained earnings to average equity (ytd only)	10.2703%	684
Net charge-offs to loans	0.0943%	1,421
Credit loss provision to net charge-offs	94.7712%	2,078
Earnings coverage of net charge-offs (x)	20.9608%	1,750
Efficiency ratio	66.3471%	2,773
Assets per employee ($millions)	3.9652%	3,916
Cash dividends to net income (ytd only)*	18.0927%	3,080
Condition Ratios (%)
Loss allowance to loans	1.2462%	2,278
Loan loss allowance to noncurrent loans	167.8022%	2,450
Noncurrent assets plus other real estate owned to assets	0.4958%	2,565
Noncurrent loans to loans	0.7427%	2,131
Net loans and leases to total assets	65.0951%	3,225
Net loans and leases to deposits	74.0331%	3,514
Net loans and leases to core deposits	79.5719%	3,456
Total domestic deposits to total assets	87.9269%	1,137
Equity capital to assets	10.5760%	3,451
Core capital (leverage) ratio	10.0613%	3,525
Tier 1 risk-based capital ratio	14.3732%	3,132
Total risk-based capital ratio	15.5670%	3,077
Memoranda:
Average total assets	$474,536,330	1,502
Average earning assets	$444,468,330	1,480
Average equity	$48,839,670	1,632
Average total loans	$324,388,330	1,540
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4583%	3,022
Cost of funding earning assets	0.7426%	2,820
Net interest margin	3.7157%	2,833
Noninterest income to average assets	0.7194%	1,545
Noninterest expense to average assets	2.8732%	2,349
Loan and lease loss provision to assets	0.0163%	3,224
Net operating income to assets	1.1014%	2,460
Return on assets (ROA)	1.1014%	2,508
Pretax return on assets	1.3048%	2,436
Return on Equity (ROE)	10.8593%	1,999
Retained earnings to average equity (ytd only)	8.5148%	1,486
Net charge-offs to loans	0.0333%	1,790
Credit loss provision to net charge-offs	70.3704%	1,848
Earnings coverage of net charge-offs (x)	57.0000%	944
Efficiency ratio	66.8031%	2,823
Assets per employee ($millions)	3.7233%	4,315
Cash dividends to net income (ytd only)*	21.5900%	2,425
Condition Ratios (%)
Loss allowance to loans	1.2471%	2,337
Loan loss allowance to noncurrent loans	167.5934%	2,476
Noncurrent assets plus other real estate owned to assets	0.5137%	2,571
Noncurrent loans to loans	0.7441%	2,164
Net loans and leases to total assets	68.1740%	2,737
Net loans and leases to deposits	76.3921%	3,223
Net loans and leases to core deposits	78.1703%	3,502
Total domestic deposits to total assets	89.2422%	748
Equity capital to assets	10.3697%	3,450
Core capital (leverage) ratio	10.0937%	3,496
Tier 1 risk-based capital ratio	14.1715%	3,260
Total risk-based capital ratio	15.3881%	3,198
Memoranda:
Average total assets	$465,959,500	1,534
Average earning assets	$435,773,000	1,519
Average equity	$47,259,000	1,663
Average total loans	$324,530,000	1,546
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2920%	3,144
Cost of funding earning assets	0.6021%	2,697
Net interest margin	3.6899%	3,072
Noninterest income to average assets	0.7139%	1,793
Noninterest expense to average assets	2.7616%	2,822
Loan and lease loss provision to assets	0.1439%	1,493
Net operating income to assets	1.0788%	2,681
Return on assets (ROA)	1.0607%	2,742
Pretax return on assets	1.2366%	2,751
Return on Equity (ROE)	11.1809%	2,011
Retained earnings to average equity (ytd only)	8.9384%	886
Net charge-offs to loans	0.1382%	1,375
Credit loss provision to net charge-offs	150.5669%	1,827
Earnings coverage of net charge-offs (x)	14.6689%	2,368
Efficiency ratio	64.0456%	3,190
Assets per employee ($millions)	3.6439%	4,397
Cash dividends to net income (ytd only)*	20.0572%	3,471
Condition Ratios (%)
Loss allowance to loans	1.2445%	2,326
Loan loss allowance to noncurrent loans	207.4321%	2,174
Noncurrent assets plus other real estate owned to assets	0.4216%	2,875
Noncurrent loans to loans	0.6000%	2,482
Net loans and leases to total assets	69.3944%	2,679
Net loans and leases to deposits	78.4877%	3,110
Net loans and leases to core deposits	80.0888%	3,423
Total domestic deposits to total assets	88.4144%	1,111
Equity capital to assets	9.9118%	3,753
Core capital (leverage) ratio	9.8400%	3,761
Tier 1 risk-based capital ratio	13.8139%	3,376
Total risk-based capital ratio	15.0303%	3,328
Memoranda:
Average total assets	$461,581,400	1,511
Average earning assets	$431,473,000	1,496
Average equity	$43,788,800	1,707
Average total loans	$319,012,600	1,516
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2302%	3,201
Cost of funding earning assets	0.5647%	2,742
Net interest margin	3.6655%	3,145
Noninterest income to average assets	0.7501%	1,673
Noninterest expense to average assets	2.7309%	2,873
Loan and lease loss provision to assets	0.1844%	986
Net operating income to assets	1.0811%	2,746
Return on assets (ROA)	1.0802%	2,761
Pretax return on assets	1.2614%	2,765
Return on Equity (ROE)	11.5154%	1,979
Retained earnings to average equity (ytd only)	9.2444%	1,134
Net charge-offs to loans	0.0945%	1,545
Credit loss provision to net charge-offs	283.5556%	1,068
Earnings coverage of net charge-offs (x)	22.2491%	1,888
Efficiency ratio	62.8961%	3,354
Assets per employee ($millions)	3.7296%	4,263
Cash dividends to net income (ytd only)*	19.7217%	3,028
Condition Ratios (%)
Loss allowance to loans	1.3022%	2,086
Loan loss allowance to noncurrent loans	238.3015%	1,955
Noncurrent assets plus other real estate owned to assets	0.3818%	3,161
Noncurrent loans to loans	0.5465%	2,742
Net loans and leases to total assets	68.3358%	2,887
Net loans and leases to deposits	75.7086%	3,440
Net loans and leases to core deposits	77.1363%	3,727
Total domestic deposits to total assets	90.2616%	423
Equity capital to assets	9.3121%	4,261
Core capital (leverage) ratio	9.6002%	4,060
Tier 1 risk-based capital ratio	13.5991%	3,576
Total risk-based capital ratio	14.8496%	3,478
Memoranda:
Average total assets	$461,281,500	1,518
Average earning assets	$431,366,000	1,506
Average equity	$43,268,500	1,728
Average total loans	$317,468,000	1,529
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1766%	3,180
Cost of funding earning assets	0.5276%	2,778
Net interest margin	3.6491%	3,123
Noninterest income to average assets	0.7465%	1,661
Noninterest expense to average assets	2.7081%	2,989
Loan and lease loss provision to assets	0.2147%	771
Net operating income to assets	1.0597%	2,755
Return on assets (ROA)	1.0515%	2,790
Pretax return on assets	1.2273%	2,839
Return on Equity (ROE)	11.1822%	2,041
Retained earnings to average equity (ytd only)	8.9040%	1,251
Net charge-offs to loans	0.0692%	1,649
Credit loss provision to net charge-offs	451.3761%	755
Earnings coverage of net charge-offs (x)	30.5229%	1,488
Efficiency ratio	62.2614%	3,591
Assets per employee ($millions)	4.0444%	3,825
Cash dividends to net income (ytd only)*	20.3734%	2,980
Condition Ratios (%)
Loss allowance to loans	1.3094%	2,122
Loan loss allowance to noncurrent loans	486.9213%	1,116
Noncurrent assets plus other real estate owned to assets	0.1876%	4,044
Noncurrent loans to loans	0.2689%	3,749
Net loans and leases to total assets	67.5864%	2,932
Net loans and leases to deposits	75.8700%	3,349
Net loans and leases to core deposits	77.2998%	3,638
Total domestic deposits to total assets	89.0819%	901
Equity capital to assets	9.2864%	4,300
Core capital (leverage) ratio	9.4058%	4,240
Tier 1 risk-based capital ratio	13.4979%	3,617
Total risk-based capital ratio	14.7485%	3,531
Memoranda:
Average total assets	$458,397,000	1,535
Average earning assets	$428,769,000	1,518
Average equity	$43,104,330	1,738
Average total loans	$314,833,670	1,540
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1174%	3,179
Cost of funding earning assets	0.5037%	2,769
Net interest margin	3.6137%	3,121
Noninterest income to average assets	0.7205%	1,743
Noninterest expense to average assets	2.7160%	2,989
Loan and lease loss provision to assets	0.1386%	1,360
Net operating income to assets	1.0646%	2,588
Return on assets (ROA)	1.0578%	2,627
Pretax return on assets	1.2344%	2,620
Return on Equity (ROE)	11.1772%	1,896
Retained earnings to average equity (ytd only)	8.8914%	1,501
Net charge-offs to loans	0.0000%	2,722
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	62.4138%	3,714
Assets per employee ($millions)	4.0505%	3,894
Cash dividends to net income (ytd only)*	20.4508%	2,389
Condition Ratios (%)
Loss allowance to loans	1.2701%	2,401
Loan loss allowance to noncurrent loans	494.5342%	1,112
Noncurrent assets plus other real estate owned to assets	0.1759%	4,204
Noncurrent loans to loans	0.2568%	3,839
Net loans and leases to total assets	67.6091%	2,812
Net loans and leases to deposits	76.0274%	3,209
Net loans and leases to core deposits	83.1855%	3,042
Total domestic deposits to total assets	88.9273%	1,129
Equity capital to assets	9.3010%	4,265
Core capital (leverage) ratio	9.3481%	4,257
Tier 1 risk-based capital ratio	13.4137%	3,713
Total risk-based capital ratio	14.6636%	3,623
Memoranda:
Average total assets	$453,022,500	1,560
Average earning assets	$423,275,000	1,543
Average equity	$42,873,000	1,760
Average total loans	$311,607,500	1,551
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8831%	3,778
Cost of funding earning assets	0.4326%	2,935
Net interest margin	3.4506%	3,690
Noninterest income to average assets	0.7882%	1,613
Noninterest expense to average assets	2.5914%	3,470
Loan and lease loss provision to assets	0.0771%	2,657
Net operating income to assets	0.9619%	2,397
Return on assets (ROA)	0.9798%	2,368
Pretax return on assets	1.3699%	2,098
Return on Equity (ROE)	10.6921%	1,592
Retained earnings to average equity (ytd only)	8.4629%	630
Net charge-offs to loans	0.2121%	1,223
Credit loss provision to net charge-offs	55.7878%	3,264
Earnings coverage of net charge-offs (x)	10.2862%	2,696
Efficiency ratio	60.3899%	4,202
Assets per employee ($millions)	4.1900%	3,674
Cash dividends to net income (ytd only)*	20.8485%	3,649
Condition Ratios (%)
Loss allowance to loans	1.2344%	2,570
Loan loss allowance to noncurrent loans	507.1618%	1,107
Noncurrent assets plus other real estate owned to assets	0.1682%	4,296
Noncurrent loans to loans	0.2434%	3,927
Net loans and leases to total assets	68.2428%	2,790
Net loans and leases to deposits	77.1384%	3,213
Net loans and leases to core deposits	82.7069%	3,178
Total domestic deposits to total assets	88.4679%	1,264
Equity capital to assets	9.6299%	4,112
Core capital (leverage) ratio	9.3069%	4,281
Tier 1 risk-based capital ratio	13.3205%	3,731
Total risk-based capital ratio	14.5417%	3,663
Memoranda:
Average total assets	$449,871,000	1,548
Average earning assets	$420,511,000	1,530
Average equity	$41,226,800	1,806
Average total loans	$293,246,600	1,598
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8382%	3,874
Cost of funding earning assets	0.4233%	2,951
Net interest margin	3.4149%	3,796
Noninterest income to average assets	0.7092%	1,964
Noninterest expense to average assets	2.5600%	3,536
Loan and lease loss provision to assets	0.0992%	2,131
Net operating income to assets	0.9738%	2,671
Return on assets (ROA)	1.0027%	2,590
Pretax return on assets	1.2786%	2,590
Return on Equity (ROE)	11.0814%	1,664
Retained earnings to average equity (ytd only)	8.8265%	904
Net charge-offs to loans	0.1360%	1,434
Credit loss provision to net charge-offs	113.5593%	2,094
Earnings coverage of net charge-offs (x)	15.3493%	2,233
Efficiency ratio	61.2693%	4,003
Assets per employee ($millions)	4.2232%	3,600
Cash dividends to net income (ytd only)*	20.3484%	3,118
Condition Ratios (%)
Loss allowance to loans	1.3905%	1,931
Loan loss allowance to noncurrent loans	432.0459%	1,187
Noncurrent assets plus other real estate owned to assets	0.2180%	4,191
Noncurrent loans to loans	0.3218%	3,797
Net loans and leases to total assets	64.9587%	3,258
Net loans and leases to deposits	74.0896%	3,550
Net loans and leases to core deposits	80.2041%	3,439
Total domestic deposits to total assets	87.6759%	1,530
Equity capital to assets	9.4344%	4,507
Core capital (leverage) ratio	9.0667%	4,666
Tier 1 risk-based capital ratio	13.3460%	3,797
Total risk-based capital ratio	14.5971%	3,706
Memoranda:
Average total assets	$450,255,500	1,554
Average earning assets	$420,809,750	1,543
Average equity	$40,740,000	1,841
Average total loans	$289,113,500	1,620
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7693%	4,006
Cost of funding earning assets	0.4138%	2,946
Net interest margin	3.3556%	3,928
Noninterest income to average assets	0.6924%	2,019
Noninterest expense to average assets	2.5483%	3,584
Loan and lease loss provision to assets	0.0943%	2,101
Net operating income to assets	0.9347%	2,744
Return on assets (ROA)	0.9793%	2,577
Pretax return on assets	1.2403%	2,620
Return on Equity (ROE)	10.9800%	1,657
Retained earnings to average equity (ytd only)	8.6912%	940
Net charge-offs to loans	0.1034%	1,596
Credit loss provision to net charge-offs	143.2432%	1,563
Earnings coverage of net charge-offs (x)	19.4189%	1,834
Efficiency ratio	62.0642%	3,977
Assets per employee ($millions)	4.2788%	3,472
Cash dividends to net income (ytd only)*	20.8447%	3,083
Condition Ratios (%)
Loss allowance to loans	1.4439%	1,771
Loan loss allowance to noncurrent loans	368.7334%	1,331
Noncurrent assets plus other real estate owned to assets	0.2536%	4,109
Noncurrent loans to loans	0.3916%	3,617
Net loans and leases to total assets	61.4909%	3,692
Net loans and leases to deposits	68.0949%	4,066
Net loans and leases to core deposits	75.7715%	3,794
Total domestic deposits to total assets	90.3017%	424
Equity capital to assets	9.0894%	4,814
Core capital (leverage) ratio	8.9434%	4,784
Tier 1 risk-based capital ratio	13.4800%	3,708
Total risk-based capital ratio	14.7318%	3,625
Memoranda:
Average total assets	$449,714,670	1,564
Average earning assets	$420,020,330	1,547
Average equity	$40,109,330	1,864
Average total loans	$286,260,330	1,632
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7506%	3,937
Cost of funding earning assets	0.4160%	2,849
Net interest margin	3.3347%	3,907
Noninterest income to average assets	0.6304%	2,266
Noninterest expense to average assets	2.5695%	3,589
Loan and lease loss provision to assets	0.0839%	2,139
Net operating income to assets	0.8692%	2,904
Return on assets (ROA)	0.9298%	2,671
Pretax return on assets	1.1616%	2,740
Return on Equity (ROE)	10.5305%	1,727
Retained earnings to average equity (ytd only)	8.1813%	1,386
Net charge-offs to loans	0.0505%	1,848
Credit loss provision to net charge-offs	258.3333%	867
Earnings coverage of net charge-offs (x)	36.0278%	1,105
Efficiency ratio	63.9411%	3,849
Assets per employee ($millions)	4.1641%	3,734
Cash dividends to net income (ytd only)*	22.3084%	2,481
Condition Ratios (%)
Loss allowance to loans	1.4582%	1,836
Loan loss allowance to noncurrent loans	322.6708%	1,525
Noncurrent assets plus other real estate owned to assets	0.2877%	4,061
Noncurrent loans to loans	0.4519%	3,478
Net loans and leases to total assets	61.8768%	3,552
Net loans and leases to deposits	68.3306%	3,963
Net loans and leases to core deposits	75.9779%	3,652
Total domestic deposits to total assets	90.5550%	450
Equity capital to assets	8.7704%	5,023
Core capital (leverage) ratio	8.7868%	4,969
Tier 1 risk-based capital ratio	13.3125%	3,878
Total risk-based capital ratio	14.5642%	3,794
Memoranda:
Average total assets	$443,516,500	1,589
Average earning assets	$413,475,000	1,578
Average equity	$39,162,500	1,906
Average total loans	$285,231,000	1,645
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8788%	3,649
Cost of funding earning assets	0.4368%	2,635
Net interest margin	3.4420%	3,654
Noninterest income to average assets	0.6951%	2,197
Noninterest expense to average assets	2.7451%	3,207
Loan and lease loss provision to assets	0.1597%	1,546
Net operating income to assets	0.8096%	3,259
Return on assets (ROA)	1.0153%	2,387
Pretax return on assets	1.2774%	2,368
Return on Equity (ROE)	10.3146%	1,842
Retained earnings to average equity (ytd only)	8.0798%	834
Net charge-offs to loans	0.1837%	1,508
Credit loss provision to net charge-offs	139.0929%	1,963
Earnings coverage of net charge-offs (x)	10.2484%	2,658
Efficiency ratio	66.0364%	3,581
Assets per employee ($millions)	3.9376%	4,079
Cash dividends to net income (ytd only)*	21.6659%	3,664
Condition Ratios (%)
Loss allowance to loans	1.4360%	1,935
Loan loss allowance to noncurrent loans	384.5216%	1,324
Noncurrent assets plus other real estate owned to assets	0.2461%	4,320
Noncurrent loans to loans	0.3734%	3,786
Net loans and leases to total assets	64.9564%	3,224
Net loans and leases to deposits	71.8762%	3,722
Net loans and leases to core deposits	80.5318%	3,346
Total domestic deposits to total assets	90.3727%	486
Equity capital to assets	8.8925%	4,920
Core capital (leverage) ratio	8.8512%	4,910
Tier 1 risk-based capital ratio	12.8968%	4,136
Total risk-based capital ratio	14.1483%	4,029
Memoranda:
Average total assets	$403,227,200	1,667
Average earning assets	$378,006,000	1,647
Average equity	$39,691,400	1,858
Average total loans	$252,010,400	1,782
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8359%	3,818
Cost of funding earning assets	0.4336%	2,699
Net interest margin	3.4023%	3,826
Noninterest income to average assets	0.6880%	2,223
Noninterest expense to average assets	2.7461%	3,188
Loan and lease loss provision to assets	0.0785%	2,652
Net operating income to assets	0.8134%	3,304
Return on assets (ROA)	1.0845%	2,163
Pretax return on assets	1.4116%	1,999
Return on Equity (ROE)	10.7338%	1,776
Retained earnings to average equity (ytd only)	8.5163%	976
Net charge-offs to loans	0.0717%	2,292
Credit loss provision to net charge-offs	177.8626%	1,573
Earnings coverage of net charge-offs (x)	25.7866%	1,623
Efficiency ratio	66.9876%	3,427
Assets per employee ($millions)	4.0298%	3,915
Cash dividends to net income (ytd only)*	20.6585%	3,207
Condition Ratios (%)
Loss allowance to loans	1.4532%	1,962
Loan loss allowance to noncurrent loans	424.8414%	1,208
Noncurrent assets plus other real estate owned to assets	0.2488%	4,445
Noncurrent loans to loans	0.3421%	4,030
Net loans and leases to total assets	62.6194%	3,568
Net loans and leases to deposits	69.9011%	3,999
Net loans and leases to core deposits	77.8807%	3,676
Total domestic deposits to total assets	89.5828%	636
Equity capital to assets	9.6764%	4,491
Core capital (leverage) ratio	9.0517%	4,775
Tier 1 risk-based capital ratio	13.1145%	4,091
Total risk-based capital ratio	14.3663%	4,001
Memoranda:
Average total assets	$395,748,750	1,705
Average earning assets	$371,777,500	1,678
Average equity	$39,985,000	1,858
Average total loans	$243,650,000	1,832
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8525%	3,768
Cost of funding earning assets	0.4494%	2,574
Net interest margin	3.4031%	3,880
Noninterest income to average assets	0.6597%	2,331
Noninterest expense to average assets	2.6634%	3,506
Loan and lease loss provision to assets	0.1155%	1,957
Net operating income to assets	0.8168%	3,234
Return on assets (ROA)	1.2332%	1,586
Pretax return on assets	1.6383%	1,261
Return on Equity (ROE)	12.0126%	1,318
Retained earnings to average equity (ytd only)	9.7517%	652
Net charge-offs to loans	0.0301%	2,874
Credit loss provision to net charge-offs	631.4286%	539
Earnings coverage of net charge-offs (x)	65.5143%	827
Efficiency ratio	65.5116%	3,757
Assets per employee ($millions)	3.8252%	4,221
Cash dividends to net income (ytd only)*	18.8215%	3,234
Condition Ratios (%)
Loss allowance to loans	1.7144%	1,245
Loan loss allowance to noncurrent loans	713.7391%	783
Noncurrent assets plus other real estate owned to assets	0.1812%	4,770
Noncurrent loans to loans	0.2402%	4,488
Net loans and leases to total assets	60.3024%	3,848
Net loans and leases to deposits	68.0857%	4,176
Net loans and leases to core deposits	79.1638%	3,536
Total domestic deposits to total assets	88.5685%	1,133
Equity capital to assets	10.8828%	3,191
Core capital (leverage) ratio	10.1606%	3,374
Tier 1 risk-based capital ratio	15.8339%	2,721
Total risk-based capital ratio	17.0891%	2,654
Memoranda:
Average total assets	$382,590,670	1,749
Average earning assets	$360,027,000	1,729
Average equity	$39,275,330	1,884
Average total loans	$232,682,330	1,890
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8408%	3,802
Cost of funding earning assets	0.4875%	2,202
Net interest margin	3.3532%	4,027
Noninterest income to average assets	0.6336%	2,350
Noninterest expense to average assets	2.6515%	3,571
Loan and lease loss provision to assets	0.0169%	3,468
Net operating income to assets	0.8302%	3,095
Return on assets (ROA)	1.3717%	1,156
Pretax return on assets	1.8490%	771
Return on Equity (ROE)	13.7891%	878
Retained earnings to average equity (ytd only)	11.4325%	587
Net charge-offs to loans	0.0663%	1,828
Credit loss provision to net charge-offs	42.1053%	2,131
Earnings coverage of net charge-offs (x)	28.2632%	1,218
Efficiency ratio	66.3319%	3,747
Assets per employee ($millions)	3.8815%	4,157
Cash dividends to net income (ytd only)*	17.0901%	2,596
Condition Ratios (%)
Loss allowance to loans	1.6637%	1,446
Loan loss allowance to noncurrent loans	1,240.7643%	489
Noncurrent assets plus other real estate owned to assets	0.1237%	5,079
Noncurrent loans to loans	0.1341%	4,938
Net loans and leases to total assets	59.3278%	3,871
Net loans and leases to deposits	66.3756%	4,222
Net loans and leases to core deposits	77.4864%	3,545
Total domestic deposits to total assets	89.3819%	903
Equity capital to assets	10.2061%	3,832
Core capital (leverage) ratio	10.0244%	3,512
Tier 1 risk-based capital ratio	15.7670%	2,797
Total risk-based capital ratio	17.0213%	2,731
Memoranda:
Average total assets	$378,798,500	1,765
Average earning assets	$356,074,500	1,749
Average equity	$37,682,000	1,955
Average total loans	$229,329,000	1,921
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9116%	3,663
Cost of funding earning assets	0.4720%	2,419
Net interest margin	3.4396%	3,760
Noninterest income to average assets	0.6913%	2,247
Noninterest expense to average assets	2.5975%	3,932
Loan and lease loss provision to assets	0.0961%	2,391
Net operating income to assets	0.9609%	2,571
Return on assets (ROA)	1.1193%	1,906
Pretax return on assets	1.4438%	1,745
Return on Equity (ROE)	11.6353%	1,395
Retained earnings to average equity (ytd only)	9.1078%	631
Net charge-offs to loans	0.1974%	1,480
Credit loss provision to net charge-offs	78.7879%	2,971
Earnings coverage of net charge-offs (x)	10.9580%	2,641
Efficiency ratio	62.0239%	4,598
Assets per employee ($millions)	3.8087%	4,274
Cash dividends to net income (ytd only)*	21.7226%	3,717
Condition Ratios (%)
Loss allowance to loans	1.7454%	1,253
Loan loss allowance to noncurrent loans	1,384.4523%	452
Noncurrent assets plus other real estate owned to assets	0.1819%	4,879
Noncurrent loans to loans	0.1261%	4,992
Net loans and leases to total assets	59.7009%	3,878
Net loans and leases to deposits	66.4492%	4,278
Net loans and leases to core deposits	76.0101%	3,754
Total domestic deposits to total assets	89.8443%	698
Equity capital to assets	9.6764%	4,331
Core capital (leverage) ratio	9.3220%	4,440
Tier 1 risk-based capital ratio	14.9730%	3,192
Total risk-based capital ratio	16.2288%	3,123
Memoranda:
Average total assets	$351,645,600	1,862
Average earning assets	$331,554,000	1,827
Average equity	$33,828,000	2,105
Average total loans	$217,285,600	1,941
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9151%	3,701
Cost of funding earning assets	0.4708%	2,493
Net interest margin	3.4443%	3,772
Noninterest income to average assets	0.6851%	2,301
Noninterest expense to average assets	2.5848%	3,927
Loan and lease loss provision to assets	0.1290%	1,756
Net operating income to assets	0.9419%	2,750
Return on assets (ROA)	1.1486%	1,901
Pretax return on assets	1.4900%	1,709
Return on Equity (ROE)	11.9585%	1,390
Retained earnings to average equity (ytd only)	9.3917%	766
Net charge-offs to loans	0.1732%	1,441
Credit loss provision to net charge-offs	120.0000%	1,986
Earnings coverage of net charge-offs (x)	12.5609%	2,399
Efficiency ratio	61.5827%	4,632
Assets per employee ($millions)	3.7729%	4,317
Cash dividends to net income (ytd only)*	21.4644%	3,184
Condition Ratios (%)
Loss allowance to loans	1.8237%	1,221
Loan loss allowance to noncurrent loans	749.8155%	726
Noncurrent assets plus other real estate owned to assets	0.2319%	4,837
Noncurrent loans to loans	0.2432%	4,704
Net loans and leases to total assets	60.4037%	3,824
Net loans and leases to deposits	67.2003%	4,266
Net loans and leases to core deposits	77.4673%	3,652
Total domestic deposits to total assets	89.8861%	621
Equity capital to assets	9.5181%	4,730
Core capital (leverage) ratio	9.2645%	4,637
Tier 1 risk-based capital ratio	14.8820%	3,353
Total risk-based capital ratio	16.1388%	3,299
Memoranda:
Average total assets	$347,195,250	1,900
Average earning assets	$327,644,750	1,865
Average equity	$33,347,750	2,141
Average total loans	$215,486,750	1,959
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9515%	3,478
Cost of funding earning assets	0.4726%	2,492
Net interest margin	3.4790%	3,589
Noninterest income to average assets	0.6768%	2,315
Noninterest expense to average assets	2.6067%	3,881
Loan and lease loss provision to assets	0.1882%	1,066
Net operating income to assets	0.8942%	2,911
Return on assets (ROA)	1.1777%	1,745
Pretax return on assets	1.5331%	1,547
Return on Equity (ROE)	12.2225%	1,308
Retained earnings to average equity (ytd only)	9.6263%	747
Net charge-offs to loans	0.0845%	2,198
Credit loss provision to net charge-offs	357.7778%	816
Earnings coverage of net charge-offs (x)	25.7222%	1,512
Efficiency ratio	61.5941%	4,743
Assets per employee ($millions)	3.6554%	4,529
Cash dividends to net income (ytd only)*	21.2407%	3,145
Condition Ratios (%)
Loss allowance to loans	1.9397%	1,086
Loan loss allowance to noncurrent loans	356.3025%	1,393
Noncurrent assets plus other real estate owned to assets	0.3553%	4,468
Noncurrent loans to loans	0.5444%	3,822
Net loans and leases to total assets	61.7262%	3,593
Net loans and leases to deposits	69.2692%	4,007
Net loans and leases to core deposits	81.7601%	3,205
Total domestic deposits to total assets	89.1106%	1,089
Equity capital to assets	9.5135%	4,635
Core capital (leverage) ratio	9.3547%	4,482
Tier 1 risk-based capital ratio	14.8996%	3,415
Total risk-based capital ratio	16.1582%	3,342
Memoranda:
Average total assets	$342,192,670	1,932
Average earning assets	$322,913,000	1,901
Average equity	$32,972,000	2,171
Average total loans	$213,033,000	1,990
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9549%	3,397
Cost of funding earning assets	0.4657%	2,607
Net interest margin	3.4893%	3,481
Noninterest income to average assets	0.6630%	2,345
Noninterest expense to average assets	2.5520%	4,091
Loan and lease loss provision to assets	0.3615%	349
Net operating income to assets	0.7865%	3,332
Return on assets (ROA)	1.3154%	1,312
Pretax return on assets	1.7370%	974
Return on Equity (ROE)	13.5643%	963
Retained earnings to average equity (ytd only)	10.9656%	728
Net charge-offs to loans	0.0818%	1,889
Credit loss provision to net charge-offs	713.9535%	426
Earnings coverage of net charge-offs (x)	27.6977%	1,199
Efficiency ratio	60.0060%	5,087
Assets per employee ($millions)	3.7183%	4,478
Cash dividends to net income (ytd only)*	19.1585%	2,560
Condition Ratios (%)
Loss allowance to loans	2.0325%	1,019
Loan loss allowance to noncurrent loans	308.2251%	1,557
Noncurrent assets plus other real estate owned to assets	0.4065%	4,401
Noncurrent loans to loans	0.6594%	3,626
Net loans and leases to total assets	58.2919%	3,902
Net loans and leases to deposits	64.6791%	4,298
Net loans and leases to core deposits	75.4768%	3,641
Total domestic deposits to total assets	90.1248%	684
Equity capital to assets	9.4718%	4,780
Core capital (leverage) ratio	9.3470%	4,498
Tier 1 risk-based capital ratio	15.1144%	3,374
Total risk-based capital ratio	16.3740%	3,287
Memoranda:
Average total assets	$339,657,000	1,958
Average earning assets	$320,409,000	1,922
Average equity	$32,939,500	2,186
Average total loans	$210,253,000	2,009
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2016%	2,952
Cost of funding earning assets	0.4927%	2,741
Net interest margin	3.7089%	2,979
Noninterest income to average assets	0.7263%	2,182
Noninterest expense to average assets	2.7777%	3,570
Loan and lease loss provision to assets	0.2617%	848
Net operating income to assets	0.8924%	2,913
Return on assets (ROA)	1.1678%	1,760
Pretax return on assets	1.5207%	1,474
Return on Equity (ROE)	11.8551%	1,451
Retained earnings to average equity (ytd only)	9.4409%	615
Net charge-offs to loans	0.2222%	1,891
Credit loss provision to net charge-offs	186.6667%	1,313
Earnings coverage of net charge-offs (x)	10.1632%	2,647
Efficiency ratio	61.9354%	4,925
Assets per employee ($millions)	3.5443%	4,832
Cash dividends to net income (ytd only)*	20.3642%	3,801
Condition Ratios (%)
Loss allowance to loans	1.9056%	1,301
Loan loss allowance to noncurrent loans	286.0814%	1,689
Noncurrent assets plus other real estate owned to assets	0.4631%	4,261
Noncurrent loans to loans	0.6661%	3,682
Net loans and leases to total assets	63.2727%	3,323
Net loans and leases to deposits	70.5635%	3,835
Net loans and leases to core deposits	78.6716%	3,444
Total domestic deposits to total assets	89.6677%	890
Equity capital to assets	9.9428%	4,185
Core capital (leverage) ratio	9.0316%	4,947
Tier 1 risk-based capital ratio	14.1389%	4,006
Total risk-based capital ratio	15.3971%	3,926
Memoranda:
Average total assets	$310,327,200	2,095
Average earning assets	$290,844,600	2,064
Average equity	$30,569,200	2,241
Average total loans	$195,805,200	2,065
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1885%	3,033
Cost of funding earning assets	0.4965%	2,798
Net interest margin	3.6920%	3,058
Noninterest income to average assets	0.7463%	2,113
Noninterest expense to average assets	2.7598%	3,606
Loan and lease loss provision to assets	0.1632%	1,521
Net operating income to assets	0.9765%	2,559
Return on assets (ROA)	1.1706%	1,862
Pretax return on assets	1.5348%	1,526
Return on Equity (ROE)	11.9131%	1,500
Retained earnings to average equity (ytd only)	9.5216%	833
Net charge-offs to loans	0.1422%	2,372
Credit loss provision to net charge-offs	182.9268%	1,368
Earnings coverage of net charge-offs (x)	16.1705%	1,999
Efficiency ratio	61.6340%	4,941
Assets per employee ($millions)	3.4603%	4,935
Cash dividends to net income (ytd only)*	20.0743%	3,209
Condition Ratios (%)
Loss allowance to loans	1.8715%	1,525
Loan loss allowance to noncurrent loans	387.4618%	1,227
Noncurrent assets plus other real estate owned to assets	0.3364%	4,924
Noncurrent loans to loans	0.4830%	4,460
Net loans and leases to total assets	62.6039%	3,395
Net loans and leases to deposits	69.8472%	3,934
Net loans and leases to core deposits	77.6322%	3,570
Total domestic deposits to total assets	89.6297%	923
Equity capital to assets	10.0002%	4,164
Core capital (leverage) ratio	8.9463%	5,137
Tier 1 risk-based capital ratio	14.2196%	4,069
Total risk-based capital ratio	15.4774%	3,992
Memoranda:
Average total assets	$306,390,000	2,133
Average earning assets	$286,809,500	2,100
Average equity	$30,106,250	2,276
Average total loans	$192,175,250	2,111
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0959%	3,364
Cost of funding earning assets	0.5037%	2,797
Net interest margin	3.5922%	3,389
Noninterest income to average assets	0.7275%	2,155
Noninterest expense to average assets	2.7929%	3,533
Loan and lease loss provision to assets	0.1071%	2,222
Net operating income to assets	0.9145%	2,733
Return on assets (ROA)	1.1025%	1,997
Pretax return on assets	1.4424%	1,744
Return on Equity (ROE)	11.2902%	1,634
Retained earnings to average equity (ytd only)	8.8520%	1,035
Net charge-offs to loans	0.1793%	1,961
Credit loss provision to net charge-offs	95.8580%	2,086
Earnings coverage of net charge-offs (x)	11.6509%	2,136
Efficiency ratio	64.3734%	4,635
Assets per employee ($millions)	3.5966%	4,666
Cash dividends to net income (ytd only)*	21.5957%	3,119
Condition Ratios (%)
Loss allowance to loans	1.8330%	1,751
Loan loss allowance to noncurrent loans	356.3422%	1,292
Noncurrent assets plus other real estate owned to assets	0.4171%	4,757
Noncurrent loans to loans	0.5144%	4,461
Net loans and leases to total assets	60.6346%	3,610
Net loans and leases to deposits	67.4028%	4,122
Net loans and leases to core deposits	74.8084%	3,747
Total domestic deposits to total assets	89.9586%	835
Equity capital to assets	9.5762%	4,658
Core capital (leverage) ratio	8.6230%	5,506
Tier 1 risk-based capital ratio	14.0338%	4,243
Total risk-based capital ratio	15.2911%	4,169
Memoranda:
Average total assets	$302,405,670	2,153
Average earning assets	$283,502,000	2,112
Average equity	$29,530,000	2,294
Average total loans	$188,535,000	2,144
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9828%	3,759
Cost of funding earning assets	0.5080%	2,819
Net interest margin	3.4747%	3,804
Noninterest income to average assets	0.6881%	2,237
Noninterest expense to average assets	2.7511%	3,743
Loan and lease loss provision to assets	0.2194%	1,036
Net operating income to assets	0.7588%	3,360
Return on assets (ROA)	0.9320%	2,566
Pretax return on assets	1.1923%	2,514
Return on Equity (ROE)	9.4447%	2,275
Retained earnings to average equity (ytd only)	6.9593%	2,069
Net charge-offs to loans	0.1479%	1,835
Credit loss provision to net charge-offs	236.7647%	935
Earnings coverage of net charge-offs (x)	12.8382%	1,696
Efficiency ratio	66.8741%	4,382
Assets per employee ($millions)	3.6440%	4,635
Cash dividends to net income (ytd only)*	26.3158%	2,388
Condition Ratios (%)
Loss allowance to loans	1.9298%	1,673
Loan loss allowance to noncurrent loans	323.2639%	1,397
Noncurrent assets plus other real estate owned to assets	0.3820%	5,015
Noncurrent loans to loans	0.5970%	4,368
Net loans and leases to total assets	59.0187%	3,699
Net loans and leases to deposits	65.3253%	4,166
Net loans and leases to core deposits	72.2741%	3,846
Total domestic deposits to total assets	90.3458%	894
Equity capital to assets	9.1827%	4,887
Core capital (leverage) ratio	9.6045%	4,126
Tier 1 risk-based capital ratio	14.1232%	4,242
Total risk-based capital ratio	15.3819%	4,189
Memoranda:
Average total assets	$293,560,500	2,213
Average earning assets	$274,783,000	2,187
Average equity	$28,968,500	2,328
Average total loans	$183,946,000	2,192
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3252%	2,864
Cost of funding earning assets	0.5395%	3,199
Net interest margin	3.7857%	2,704
Noninterest income to average assets	0.8600%	1,829
Noninterest expense to average assets	2.6703%	4,211
Loan and lease loss provision to assets	0.1772%	2,088
Net operating income to assets	1.1693%	1,687
Return on assets (ROA)	1.2762%	1,365
Pretax return on assets	1.6904%	976
Return on Equity (ROE)	11.9020%	1,448
Retained earnings to average equity (ytd only)	9.4793%	664
Net charge-offs to loans	0.3743%	1,803
Credit loss provision to net charge-offs	73.9968%	3,198
Earnings coverage of net charge-offs (x)	7.2055%	2,892
Efficiency ratio	57.7811%	5,762
Assets per employee ($millions)	3.4161%	5,048
Cash dividends to net income (ytd only)*	20.3553%	3,707
Condition Ratios (%)
Loss allowance to loans	2.0759%	1,379
Loan loss allowance to noncurrent loans	298.3566%	1,495
Noncurrent assets plus other real estate owned to assets	0.4868%	4,775
Noncurrent loans to loans	0.6958%	4,238
Net loans and leases to total assets	64.2826%	2,996
Net loans and leases to deposits	72.4367%	3,469
Net loans and leases to core deposits	81.7779%	2,923
Total domestic deposits to total assets	88.7432%	1,784
Equity capital to assets	10.6927%	2,941
Core capital (leverage) ratio	10.2425%	3,226
Tier 1 risk-based capital ratio	15.8458%	3,179
Total risk-based capital ratio	17.1062%	3,127
Memoranda:
Average total assets	$260,230,200	2,433
Average earning assets	$243,017,800	2,402
Average equity	$27,902,800	2,389
Average total loans	$166,438,600	2,345
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2907%	3,036
Cost of funding earning assets	0.5277%	3,490
Net interest margin	3.7630%	2,792
Noninterest income to average assets	0.8819%	1,815
Noninterest expense to average assets	2.6524%	4,191
Loan and lease loss provision to assets	0.1572%	2,297
Net operating income to assets	1.1620%	1,765
Return on assets (ROA)	1.2783%	1,472
Pretax return on assets	1.7453%	1,003
Return on Equity (ROE)	11.9131%	1,498
Retained earnings to average equity (ytd only)	9.4729%	912
Net charge-offs to loans	0.2426%	2,358
Credit loss provision to net charge-offs	102.0067%	2,295
Earnings coverage of net charge-offs (x)	11.3109%	2,257
Efficiency ratio	57.3523%	5,760
Assets per employee ($millions)	3.3762%	5,116
Cash dividends to net income (ytd only)*	20.4840%	3,076
Condition Ratios (%)
Loss allowance to loans	2.2362%	1,274
Loan loss allowance to noncurrent loans	163.6794%	2,374
Noncurrent assets plus other real estate owned to assets	0.9224%	3,828
Noncurrent loans to loans	1.3662%	3,130
Net loans and leases to total assets	63.0694%	3,154
Net loans and leases to deposits	71.0147%	3,641
Net loans and leases to core deposits	78.7508%	3,260
Total domestic deposits to total assets	88.8118%	1,664
Equity capital to assets	10.6213%	3,141
Core capital (leverage) ratio	10.0302%	3,637
Tier 1 risk-based capital ratio	15.8127%	3,293
Total risk-based capital ratio	17.0749%	3,238
Memoranda:
Average total assets	$258,674,500	2,464
Average earning assets	$241,537,750	2,430
Average equity	$27,755,750	2,429
Average total loans	$164,319,750	2,374
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2273%	3,255
Cost of funding earning assets	0.5130%	3,780
Net interest margin	3.7143%	2,905
Noninterest income to average assets	0.8533%	1,988
Noninterest expense to average assets	2.5996%	4,390
Loan and lease loss provision to assets	0.1540%	2,393
Net operating income to assets	1.1471%	1,761
Return on assets (ROA)	1.2749%	1,482
Pretax return on assets	1.7494%	1,019
Return on Equity (ROE)	11.8406%	1,542
Retained earnings to average equity (ytd only)	9.3988%	996
Net charge-offs to loans	0.2708%	2,120
Credit loss provision to net charge-offs	90.0000%	2,437
Earnings coverage of net charge-offs (x)	10.1000%	2,192
Efficiency ratio	57.0093%	5,853
Assets per employee ($millions)	3.3388%	5,190
Cash dividends to net income (ytd only)*	20.6223%	2,971
Condition Ratios (%)
Loss allowance to loans	2.2726%	1,302
Loan loss allowance to noncurrent loans	165.6854%	2,332
Noncurrent assets plus other real estate owned to assets	0.8739%	4,055
Noncurrent loans to loans	1.3716%	3,259
Net loans and leases to total assets	62.2680%	3,238
Net loans and leases to deposits	69.9185%	3,725
Net loans and leases to core deposits	75.0770%	3,664
Total domestic deposits to total assets	89.0581%	1,598
Equity capital to assets	10.4835%	3,321
Core capital (leverage) ratio	9.8615%	3,700
Tier 1 risk-based capital ratio	15.9391%	3,230
Total risk-based capital ratio	17.2023%	3,162
Memoranda:
Average total assets	$257,119,330	2,489
Average earning assets	$240,530,000	2,442
Average equity	$27,684,330	2,443
Average total loans	$162,464,330	2,405
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2518%	3,097
Cost of funding earning assets	0.5219%	3,866
Net interest margin	3.7299%	2,733
Noninterest income to average assets	0.7798%	2,215
Noninterest expense to average assets	2.5522%	4,562
Loan and lease loss provision to assets	0.2020%	1,836
Net operating income to assets	1.1103%	1,815
Return on assets (ROA)	1.2166%	1,591
Pretax return on assets	1.6629%	1,164
Return on Equity (ROE)	11.1496%	1,663
Retained earnings to average equity (ytd only)	8.7245%	1,478
Net charge-offs to loans	0.3335%	1,639
Credit loss provision to net charge-offs	96.2687%	1,924
Earnings coverage of net charge-offs (x)	8.1940%	1,967
Efficiency ratio	56.6349%	6,004
Assets per employee ($millions)	3.3435%	5,348
Cash dividends to net income (ytd only)*	21.7503%	2,272
Condition Ratios (%)
Loss allowance to loans	2.3663%	1,303
Loan loss allowance to noncurrent loans	227.5075%	1,692
Noncurrent assets plus other real estate owned to assets	0.6649%	4,715
Noncurrent loans to loans	1.0401%	4,062
Net loans and leases to total assets	59.9304%	3,439
Net loans and leases to deposits	67.6085%	3,817
Net loans and leases to core deposits	73.1805%	3,684
Total domestic deposits to total assets	88.6432%	1,902
Equity capital to assets	10.7390%	3,271
Core capital (leverage) ratio	9.7216%	3,764
Tier 1 risk-based capital ratio	16.0725%	3,222
Total risk-based capital ratio	17.3370%	3,172
Memoranda:
Average total assets	$255,464,500	2,530
Average earning assets	$239,145,500	2,480
Average equity	$27,875,500	2,456
Average total loans	$160,729,000	2,440
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6411%	2,841
Cost of funding earning assets	0.6249%	4,137
Net interest margin	4.0162%	2,330
Noninterest income to average assets	0.8963%	1,871
Noninterest expense to average assets	2.6553%	4,556
Loan and lease loss provision to assets	0.3828%	1,710
Net operating income to assets	1.2024%	1,597
Return on assets (ROA)	1.2774%	1,519
Pretax return on assets	1.7190%	1,094
Return on Equity (ROE)	11.8265%	1,559
Retained earnings to average equity (ytd only)	9.3757%	728
Net charge-offs to loans	0.2244%	3,598
Credit loss provision to net charge-offs	269.2529%	897
Earnings coverage of net charge-offs (x)	14.0718%	1,769
Efficiency ratio	54.0493%	6,264
Assets per employee ($millions)	3.4265%	5,157
Cash dividends to net income (ytd only)*	20.7227%	3,715
Condition Ratios (%)
Loss allowance to loans	2.3504%	1,308
Loan loss allowance to noncurrent loans	213.4496%	1,745
Noncurrent assets plus other real estate owned to assets	0.7472%	4,608
Noncurrent loans to loans	1.1012%	4,001
Net loans and leases to total assets	62.9989%	3,056
Net loans and leases to deposits	71.4125%	3,507
Net loans and leases to core deposits	76.2038%	3,505
Total domestic deposits to total assets	88.2183%	2,085
Equity capital to assets	11.0917%	2,842
Core capital (leverage) ratio	9.6533%	3,888
Tier 1 risk-based capital ratio	15.5437%	3,398
Total risk-based capital ratio	16.8080%	3,353
Memoranda:
Average total assets	$244,795,200	2,575
Average earning assets	$229,149,200	2,522
Average equity	$26,440,600	2,527
Average total loans	$155,094,400	2,502
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6615%	2,958
Cost of funding earning assets	0.6425%	4,260
Net interest margin	4.0190%	2,423
Noninterest income to average assets	0.8691%	1,947
Noninterest expense to average assets	2.6062%	4,722
Loan and lease loss provision to assets	0.3883%	1,661
Net operating income to assets	1.2117%	1,694
Return on assets (ROA)	1.3061%	1,572
Pretax return on assets	1.7672%	1,130
Return on Equity (ROE)	12.1767%	1,576
Retained earnings to average equity (ytd only)	9.6954%	1,000
Net charge-offs to loans	0.1728%	3,717
Credit loss provision to net charge-offs	356.2814%	755
Earnings coverage of net charge-offs (x)	18.6078%	1,545
Efficiency ratio	53.2262%	6,328
Assets per employee ($millions)	3.4060%	5,193
Cash dividends to net income (ytd only)*	20.3772%	3,024
Condition Ratios (%)
Loss allowance to loans	2.3183%	1,483
Loan loss allowance to noncurrent loans	241.0123%	1,492
Noncurrent assets plus other real estate owned to assets	0.7038%	4,927
Noncurrent loans to loans	0.9619%	4,511
Net loans and leases to total assets	62.9409%	3,216
Net loans and leases to deposits	71.2602%	3,711
Net loans and leases to core deposits	76.3027%	3,692
Total domestic deposits to total assets	88.3255%	1,827
Equity capital to assets	11.0226%	3,247
Core capital (leverage) ratio	9.5586%	4,181
Tier 1 risk-based capital ratio	15.4856%	3,546
Total risk-based capital ratio	16.7505%	3,499
Memoranda:
Average total assets	$243,460,750	2,617
Average earning assets	$228,075,750	2,547
Average equity	$26,114,750	2,578
Average total loans	$153,524,500	2,551
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6714%	3,040
Cost of funding earning assets	0.6630%	4,343
Net interest margin	4.0083%	2,470
Noninterest income to average assets	0.8522%	1,959
Noninterest expense to average assets	2.6078%	4,750
Loan and lease loss provision to assets	0.3971%	1,654
Net operating income to assets	1.1803%	1,785
Return on assets (ROA)	1.3229%	1,531
Pretax return on assets	1.7912%	1,061
Return on Equity (ROE)	12.4512%	1,517
Retained earnings to average equity (ytd only)	9.9282%	995
Net charge-offs to loans	0.1890%	3,447
Credit loss provision to net charge-offs	335.6643%	875
Earnings coverage of net charge-offs (x)	16.8671%	1,559
Efficiency ratio	53.5945%	6,352
Assets per employee ($millions)	3.3135%	5,418
Cash dividends to net income (ytd only)*	20.2627%	2,974
Condition Ratios (%)
Loss allowance to loans	2.2758%	1,633
Loan loss allowance to noncurrent loans	926.7016%	443
Noncurrent assets plus other real estate owned to assets	0.1898%	6,314
Noncurrent loans to loans	0.2456%	6,088
Net loans and leases to total assets	62.8433%	3,264
Net loans and leases to deposits	71.0225%	3,762
Net loans and leases to core deposits	76.3318%	3,732
Total domestic deposits to total assets	88.4837%	1,830
Equity capital to assets	10.9358%	3,186
Core capital (leverage) ratio	9.3917%	4,309
Tier 1 risk-based capital ratio	15.3330%	3,553
Total risk-based capital ratio	16.5968%	3,501
Memoranda:
Average total assets	$241,736,000	2,641
Average earning assets	$226,228,330	2,573
Average equity	$25,684,330	2,606
Average total loans	$151,297,000	2,600
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6229%	3,394
Cost of funding earning assets	0.6798%	4,465
Net interest margin	3.9430%	2,755
Noninterest income to average assets	0.8458%	1,966
Noninterest expense to average assets	2.5772%	4,895
Loan and lease loss provision to assets	0.4982%	1,222
Net operating income to assets	1.0837%	2,158
Return on assets (ROA)	1.2944%	1,643
Pretax return on assets	1.7512%	1,195
Return on Equity (ROE)	12.3634%	1,563
Retained earnings to average equity (ytd only)	9.8022%	1,319
Net charge-offs to loans	0.2869%	2,524
Credit loss provision to net charge-offs	281.3084%	1,040
Earnings coverage of net charge-offs (x)	11.0935%	1,698
Efficiency ratio	53.6443%	6,384
Assets per employee ($millions)	3.5577%	4,985
Cash dividends to net income (ytd only)*	20.7161%	2,320
Condition Ratios (%)
Loss allowance to loans	2.2360%	1,808
Loan loss allowance to noncurrent loans	513.9183%	669
Noncurrent assets plus other real estate owned to assets	0.2710%	6,215
Noncurrent loans to loans	0.4351%	5,797
Net loans and leases to total assets	59.6400%	3,745
Net loans and leases to deposits	66.8688%	4,249
Net loans and leases to core deposits	71.5656%	4,216
Total domestic deposits to total assets	89.1895%	1,570
Equity capital to assets	10.2845%	3,745
Core capital (leverage) ratio	9.2959%	4,374
Tier 1 risk-based capital ratio	15.1350%	3,663
Total risk-based capital ratio	16.3983%	3,615
Memoranda:
Average total assets	$241,662,000	2,649
Average earning assets	$226,525,500	2,578
Average equity	$25,300,500	2,641
Average total loans	$149,171,500	2,647
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0046%	2,858
Cost of funding earning assets	0.8436%	4,516
Net interest margin	4.1610%	2,191
Noninterest income to average assets	0.9861%	1,404
Noninterest expense to average assets	2.9419%	3,805
Loan and lease loss provision to assets	0.3271%	3,066
Net operating income to assets	1.1650%	1,626
Return on assets (ROA)	1.2773%	1,403
Pretax return on assets	1.7288%	929
Return on Equity (ROE)	12.3674%	1,309
Retained earnings to average equity (ytd only)	9.8390%	602
Net charge-offs to loans	0.1188%	5,196
Credit loss provision to net charge-offs	445.1807%	510
Earnings coverage of net charge-offs (x)	25.9157%	959
Efficiency ratio	57.6034%	6,103
Assets per employee ($millions)	3.2540%	5,609
Cash dividends to net income (ytd only)*	20.4435%	3,513
Condition Ratios (%)
Loss allowance to loans	2.1875%	1,821
Loan loss allowance to noncurrent loans	674.3158%	544
Noncurrent assets plus other real estate owned to assets	0.2027%	6,452
Noncurrent loans to loans	0.3244%	6,082
Net loans and leases to total assets	61.1290%	3,749
Net loans and leases to deposits	68.9078%	4,294
Net loans and leases to core deposits	74.1643%	4,216
Total domestic deposits to total assets	88.7113%	1,711
Equity capital to assets	10.6659%	3,349
Core capital (leverage) ratio	9.1918%	4,478
Tier 1 risk-based capital ratio	15.1907%	3,519
Total risk-based capital ratio	16.4536%	3,476
Memoranda:
Average total assets	$225,943,400	2,775
Average earning assets	$209,588,400	2,735
Average equity	$23,335,600	2,746
Average total loans	$139,768,800	2,792
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0445%	2,868
Cost of funding earning assets	0.8739%	4,607
Net interest margin	4.1706%	2,207
Noninterest income to average assets	0.9619%	1,442
Noninterest expense to average assets	2.7576%	4,506
Loan and lease loss provision to assets	0.3609%	2,701
Net operating income to assets	1.2334%	1,564
Return on assets (ROA)	1.3788%	1,284
Pretax return on assets	1.9053%	773
Return on Equity (ROE)	13.4655%	1,166
Retained earnings to average equity (ytd only)	10.8887%	651
Net charge-offs to loans	0.1081%	4,920
Credit loss provision to net charge-offs	541.0714%	508
Earnings coverage of net charge-offs (x)	30.9464%	914
Efficiency ratio	54.0390%	6,485
Assets per employee ($millions)	3.2556%	5,557
Cash dividends to net income (ytd only)*	19.1360%	2,967
Condition Ratios (%)
Loss allowance to loans	2.1905%	1,881
Loan loss allowance to noncurrent loans	946.9697%	386
Noncurrent assets plus other real estate owned to assets	0.2834%	6,351
Noncurrent loans to loans	0.2313%	6,408
Net loans and leases to total assets	60.3654%	4,068
Net loans and leases to deposits	67.9636%	4,616
Net loans and leases to core deposits	73.2316%	4,560
Total domestic deposits to total assets	88.8202%	1,538
Equity capital to assets	10.6291%	3,539
Core capital (leverage) ratio	9.2175%	4,597
Tier 1 risk-based capital ratio	15.0150%	3,652
Total risk-based capital ratio	16.2772%	3,612
Memoranda:
Average total assets	$223,857,250	2,805
Average earning assets	$207,192,750	2,766
Average equity	$22,922,250	2,788
Average total loans	$138,105,750	2,852
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1010%	2,679
Cost of funding earning assets	0.9202%	4,521
Net interest margin	4.1809%	2,118
Noninterest income to average assets	0.9321%	1,526
Noninterest expense to average assets	2.8434%	4,260
Loan and lease loss provision to assets	0.2728%	3,206
Net operating income to assets	1.2191%	1,513
Return on assets (ROA)	1.2600%	1,484
Pretax return on assets	1.7297%	989
Return on Equity (ROE)	12.4702%	1,353
Retained earnings to average equity (ytd only)	9.8331%	890
Net charge-offs to loans	0.0249%	5,479
Credit loss provision to net charge-offs	1,776.4706%	195
Earnings coverage of net charge-offs (x)	126.7647%	278
Efficiency ratio	56.1569%	6,406
Assets per employee ($millions)	3.1618%	5,720
Cash dividends to net income (ytd only)*	21.1470%	2,815
Condition Ratios (%)
Loss allowance to loans	2.1003%	2,126
Loan loss allowance to noncurrent loans	1,450.2488%	272
Noncurrent assets plus other real estate owned to assets	0.1640%	6,680
Noncurrent loans to loans	0.1448%	6,618
Net loans and leases to total assets	61.3912%	4,011
Net loans and leases to deposits	69.0820%	4,554
Net loans and leases to core deposits	74.3109%	4,540
Total domestic deposits to total assets	88.8672%	1,621
Equity capital to assets	10.5644%	3,425
Core capital (leverage) ratio	8.9742%	4,765
Tier 1 risk-based capital ratio	14.8027%	3,610
Total risk-based capital ratio	16.0641%	3,574
Memoranda:
Average total assets	$221,426,670	2,845
Average earning assets	$204,311,670	2,822
Average equity	$22,373,330	2,831
Average total loans	$136,588,000	2,923
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0938%	2,672
Cost of funding earning assets	0.9583%	4,506
Net interest margin	4.1355%	2,134
Noninterest income to average assets	0.8832%	1,720
Noninterest expense to average assets	2.8247%	4,355
Loan and lease loss provision to assets	0.2709%	2,981
Net operating income to assets	1.1796%	1,569
Return on assets (ROA)	1.1956%	1,578
Pretax return on assets	1.6128%	1,160
Return on Equity (ROE)	12.1085%	1,430
Retained earnings to average equity (ytd only)	9.4014%	1,266
Net charge-offs to loans	0.0325%	4,646
Credit loss provision to net charge-offs	1,363.6364%	294
Earnings coverage of net charge-offs (x)	93.7273%	333
Efficiency ratio	56.9942%	6,383
Assets per employee ($millions)	3.2487%	5,597
Cash dividends to net income (ytd only)*	22.3565%	2,155
Condition Ratios (%)
Loss allowance to loans	2.0180%	2,366
Loan loss allowance to noncurrent loans	1,555.6180%	269
Noncurrent assets plus other real estate owned to assets	0.1495%	6,790
Noncurrent loans to loans	0.1297%	6,722
Net loans and leases to total assets	59.1222%	4,442
Net loans and leases to deposits	66.0159%	4,976
Net loans and leases to core deposits	70.1094%	5,031
Total domestic deposits to total assets	89.5575%	1,449
Equity capital to assets	9.7921%	4,044
Core capital (leverage) ratio	8.9355%	4,717
Tier 1 risk-based capital ratio	14.3399%	3,838
Total risk-based capital ratio	15.5502%	3,829
Memoranda:
Average total assets	$221,476,000	2,864
Average earning assets	$203,700,000	2,850
Average equity	$21,869,000	2,886
Average total loans	$135,486,500	2,974
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4831%	2,354
Cost of funding earning assets	1.1545%	4,823
Net interest margin	4.3285%	1,723
Noninterest income to average assets	1.1391%	1,138
Noninterest expense to average assets	2.9316%	4,103
Loan and lease loss provision to assets	0.3404%	4,108
Net operating income to assets	1.2359%	1,330
Return on assets (ROA)	1.1676%	1,567
Pretax return on assets	1.7336%	887
Return on Equity (ROE)	11.8584%	1,344
Retained earnings to average equity (ytd only)	9.1758%	667
Net charge-offs to loans	0.1643%	5,350
Credit loss provision to net charge-offs	319.0045%	816
Earnings coverage of net charge-offs (x)	20.3891%	1,006
Efficiency ratio	54.1836%	6,789
Assets per employee ($millions)	3.0792%	5,921
Cash dividends to net income (ytd only)*	22.6220%	3,354
Condition Ratios (%)
Loss allowance to loans	1.9670%	2,386
Loan loss allowance to noncurrent loans	1,008.0460%	366
Noncurrent assets plus other real estate owned to assets	0.1666%	6,812
Noncurrent loans to loans	0.1951%	6,680
Net loans and leases to total assets	60.8342%	4,519
Net loans and leases to deposits	68.0363%	5,098
Net loans and leases to core deposits	72.6801%	5,143
Total domestic deposits to total assets	89.4143%	1,431
Equity capital to assets	9.9608%	3,796
Core capital (leverage) ratio	8.7527%	4,938
Tier 1 risk-based capital ratio	14.2543%	3,714
Total risk-based capital ratio	15.5132%	3,659
Memoranda:
Average total assets	$207,086,800	3,013
Average earning assets	$189,857,800	3,010
Average equity	$20,390,600	3,092
Average total loans	$134,513,200	3,039
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5402%	2,289
Cost of funding earning assets	1.1736%	5,017
Net interest margin	4.3666%	1,625
Noninterest income to average assets	1.1325%	1,091
Noninterest expense to average assets	2.9128%	4,038
Loan and lease loss provision to assets	0.4065%	3,463
Net operating income to assets	1.2623%	1,435
Return on assets (ROA)	1.3094%	1,387
Pretax return on assets	1.8870%	787
Return on Equity (ROE)	13.3391%	1,175
Retained earnings to average equity (ytd only)	10.6223%	664
Net charge-offs to loans	0.1762%	4,902
Credit loss provision to net charge-offs	351.1236%	896
Earnings coverage of net charge-offs (x)	19.2189%	1,218
Efficiency ratio	53.4625%	6,835
Assets per employee ($millions)	3.1136%	5,895
Cash dividends to net income (ytd only)*	20.3675%	2,957
Condition Ratios (%)
Loss allowance to loans	1.9075%	2,463
Loan loss allowance to noncurrent loans	1,620.6250%	244
Noncurrent assets plus other real estate owned to assets	0.1379%	7,009
Noncurrent loans to loans	0.1177%	6,949
Net loans and leases to total assets	62.9784%	4,328
Net loans and leases to deposits	70.5732%	5,072
Net loans and leases to core deposits	75.5045%	5,119
Total domestic deposits to total assets	89.2384%	1,260
Equity capital to assets	10.2307%	3,838
Core capital (leverage) ratio	8.6511%	5,269
Tier 1 risk-based capital ratio	13.4788%	4,221
Total risk-based capital ratio	14.7374%	4,168
Memoranda:
Average total assets	$204,972,250	3,076
Average earning assets	$188,027,500	3,070
Average equity	$20,120,750	3,178
Average total loans	$134,702,500	3,083
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5760%	2,222
Cost of funding earning assets	1.1979%	5,142
Net interest margin	4.3781%	1,513
Noninterest income to average assets	1.0912%	1,121
Noninterest expense to average assets	2.9341%	3,943
Loan and lease loss provision to assets	0.4440%	3,100
Net operating income to assets	1.2349%	1,463
Return on assets (ROA)	1.3092%	1,349
Pretax return on assets	1.8311%	836
Return on Equity (ROE)	13.5358%	1,133
Retained earnings to average equity (ytd only)	10.7409%	702
Net charge-offs to loans	0.1281%	4,915
Credit loss provision to net charge-offs	523.2558%	709
Earnings coverage of net charge-offs (x)	25.5814%	1,029
Efficiency ratio	54.1940%	6,864
Assets per employee ($millions)	2.8807%	6,397
Cash dividends to net income (ytd only)*	20.6481%	2,873
Condition Ratios (%)
Loss allowance to loans	1.8478%	2,570
Loan loss allowance to noncurrent loans	2,759.3407%	143
Noncurrent assets plus other real estate owned to assets	0.0919%	7,170
Noncurrent loans to loans	0.0670%	7,147
Net loans and leases to total assets	65.2118%	4,003
Net loans and leases to deposits	72.8608%	4,859
Net loans and leases to core deposits	78.0875%	4,935
Total domestic deposits to total assets	89.5019%	1,178
Equity capital to assets	9.9989%	4,027
Core capital (leverage) ratio	8.2728%	5,820
Tier 1 risk-based capital ratio	12.6815%	4,704
Total risk-based capital ratio	13.9389%	4,675
Memoranda:
Average total assets	$202,721,330	3,125
Average earning assets	$185,832,330	3,120
Average equity	$19,607,330	3,232
Average total loans	$134,292,000	3,116
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5061%	2,554
Cost of funding earning assets	1.2142%	5,320
Net interest margin	4.2919%	1,712
Noninterest income to average assets	1.0881%	1,070
Noninterest expense to average assets	2.9076%	4,032
Loan and lease loss provision to assets	0.4460%	2,732
Net operating income to assets	1.2237%	1,478
Return on assets (ROA)	1.2824%	1,403
Pretax return on assets	1.7442%	976
Return on Equity (ROE)	13.4894%	1,153
Retained earnings to average equity (ytd only)	10.6330%	1,004
Net charge-offs to loans	0.0869%	4,553
Credit loss provision to net charge-offs	775.8621%	581
Earnings coverage of net charge-offs (x)	36.7241%	747
Efficiency ratio	54.5814%	6,920
Assets per employee ($millions)	2.9683%	6,288
Cash dividends to net income (ytd only)*	21.1747%	2,212
Condition Ratios (%)
Loss allowance to loans	1.7477%	2,901
Loan loss allowance to noncurrent loans	1,069.8630%	314
Noncurrent assets plus other real estate owned to assets	0.2573%	6,824
Noncurrent loans to loans	0.1634%	7,010
Net loans and leases to total assets	64.3130%	4,257
Net loans and leases to deposits	71.5985%	5,110
Net loans and leases to core deposits	76.5763%	5,184
Total domestic deposits to total assets	89.8244%	1,079
Equity capital to assets	9.5877%	4,392
Core capital (leverage) ratio	8.1977%	5,909
Tier 1 risk-based capital ratio	12.0697%	5,125
Total risk-based capital ratio	13.3258%	5,085
Memoranda:
Average total assets	$201,816,000	3,194
Average earning assets	$184,813,500	3,189
Average equity	$19,185,500	3,306
Average total loans	$133,493,000	3,195
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.8906%	2,278
Cost of funding earning assets	1.5647%	5,206
Net interest margin	4.3259%	1,645
Noninterest income to average assets	1.2706%	937
Noninterest expense to average assets	3.3150%	2,964
Loan and lease loss provision to assets	0.5266%	3,737
Net operating income to assets	1.0529%	1,653
Return on assets (ROA)	1.0713%	1,639
Pretax return on assets	1.4135%	1,398
Return on Equity (ROE)	12.2110%	1,107
Retained earnings to average equity (ytd only)	9.2651%	455
Net charge-offs to loans	0.2349%	5,158
Credit loss provision to net charge-offs	329.5820%	989
Earnings coverage of net charge-offs (x)	11.9904%	1,547
Efficiency ratio	60.0334%	6,488
Assets per employee ($millions)	2.9238%	6,402
Cash dividends to net income (ytd only)*	24.1247%	3,533
Condition Ratios (%)
Loss allowance to loans	1.6152%	3,214
Loan loss allowance to noncurrent loans	967.1171%	366
Noncurrent assets plus other real estate owned to assets	0.2495%	6,830
Noncurrent loans to loans	0.1670%	7,005
Net loans and leases to total assets	65.7757%	4,211
Net loans and leases to deposits	73.5938%	5,103
Net loans and leases to core deposits	82.6157%	5,860
Total domestic deposits to total assets	89.3767%	1,277
Equity capital to assets	9.4227%	4,521
Core capital (leverage) ratio	7.8489%	6,391
Tier 1 risk-based capital ratio	11.5290%	5,370
Total risk-based capital ratio	12.7837%	5,320
Memoranda:
Average total assets	$194,630,000	3,240
Average earning assets	$178,183,600	3,235
Average equity	$17,074,800	3,658
Average total loans	$132,405,800	3,222
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9175%	2,367
Cost of funding earning assets	1.6284%	5,266
Net interest margin	4.2891%	1,761
Noninterest income to average assets	1.2762%	944
Noninterest expense to average assets	3.2516%	3,121
Loan and lease loss provision to assets	0.4132%	3,841
Net operating income to assets	1.1559%	1,570
Return on assets (ROA)	1.1564%	1,630
Pretax return on assets	1.5414%	1,300
Return on Equity (ROE)	13.4370%	1,025
Retained earnings to average equity (ytd only)	10.4199%	555
Net charge-offs to loans	0.2429%	4,530
Credit loss provision to net charge-offs	248.9627%	1,734
Earnings coverage of net charge-offs (x)	11.7716%	1,828
Efficiency ratio	59.0897%	6,557
Assets per employee ($millions)	2.7803%	6,679
Cash dividends to net income (ytd only)*	22.4537%	3,162
Condition Ratios (%)
Loss allowance to loans	1.3424%	4,251
Loan loss allowance to noncurrent loans	728.4553%	474
Noncurrent assets plus other real estate owned to assets	0.3703%	6,553
Noncurrent loans to loans	0.1843%	7,033
Net loans and leases to total assets	66.7150%	4,256
Net loans and leases to deposits	74.2485%	5,334
Net loans and leases to core deposits	83.6266%	6,068
Total domestic deposits to total assets	89.8536%	825
Equity capital to assets	9.4873%	4,762
Core capital (leverage) ratio	7.7966%	6,611
Tier 1 risk-based capital ratio	11.4051%	5,527
Total risk-based capital ratio	12.6560%	5,474
Memoranda:
Average total assets	$193,583,000	3,273
Average earning assets	$177,346,250	3,270
Average equity	$16,660,000	3,774
Average total loans	$132,277,000	3,259
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9780%	2,274
Cost of funding earning assets	1.7234%	5,159
Net interest margin	4.2546%	1,801
Noninterest income to average assets	1.2490%	981
Noninterest expense to average assets	3.2323%	3,226
Loan and lease loss provision to assets	0.3900%	3,576
Net operating income to assets	1.1450%	1,622
Return on assets (ROA)	1.1450%	1,709
Pretax return on assets	1.5215%	1,388
Return on Equity (ROE)	13.7878%	1,030
Retained earnings to average equity (ytd only)	10.6320%	624
Net charge-offs to loans	0.2154%	4,157
Credit loss provision to net charge-offs	264.0845%	1,761
Earnings coverage of net charge-offs (x)	12.9437%	1,772
Efficiency ratio	59.4015%	6,633
Assets per employee ($millions)	2.6942%	6,844
Cash dividends to net income (ytd only)*	22.8883%	3,082
Condition Ratios (%)
Loss allowance to loans	1.2681%	4,478
Loan loss allowance to noncurrent loans	382.9885%	821
Noncurrent assets plus other real estate owned to assets	0.5021%	6,185
Noncurrent loans to loans	0.3311%	6,684
Net loans and leases to total assets	66.8662%	4,387
Net loans and leases to deposits	73.9302%	5,464
Net loans and leases to core deposits	83.4319%	6,129
Total domestic deposits to total assets	90.4450%	650
Equity capital to assets	8.9137%	5,433
Core capital (leverage) ratio	7.2982%	7,247
Tier 1 risk-based capital ratio	10.3733%	6,506
Total risk-based capital ratio	11.6044%	6,466
Memoranda:
Average total assets	$192,310,330	3,319
Average earning assets	$176,046,000	3,316
Average equity	$15,970,670	3,927
Average total loans	$131,873,330	3,306
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.0877%	1,986
Cost of funding earning assets	1.8297%	4,977
Net interest margin	4.2580%	1,713
Noninterest income to average assets	1.0842%	1,272
Noninterest expense to average assets	3.1106%	3,339
Loan and lease loss provision to assets	0.3134%	3,464
Net operating income to assets	1.1740%	1,730
Return on assets (ROA)	1.1740%	1,839
Pretax return on assets	1.5689%	1,484
Return on Equity (ROE)	14.6827%	1,038
Retained earnings to average equity (ytd only)	11.3909%	905
Net charge-offs to loans	0.2059%	3,402
Credit loss provision to net charge-offs	220.5882%	2,048
Earnings coverage of net charge-offs (x)	13.2500%	1,745
Efficiency ratio	58.7448%	6,579
Assets per employee ($millions)	2.6305%	7,023
Cash dividends to net income (ytd only)*	22.4199%	2,509
Condition Ratios (%)
Loss allowance to loans	1.1624%	5,035
Loan loss allowance to noncurrent loans	498.3553%	699
Noncurrent assets plus other real estate owned to assets	0.4531%	6,131
Noncurrent loans to loans	0.2333%	6,866
Net loans and leases to total assets	66.1757%	4,550
Net loans and leases to deposits	72.6307%	5,666
Net loans and leases to core deposits	82.2612%	6,219
Total domestic deposits to total assets	91.1127%	379
Equity capital to assets	8.2205%	6,508
Core capital (leverage) ratio	6.6601%	7,814
Tier 1 risk-based capital ratio	9.4997%	7,425
Total risk-based capital ratio	10.6414%	7,475
Memoranda:
Average total assets	$191,474,000	3,341
Average earning assets	$175,763,500	3,343
Average equity	$15,310,500	4,083
Average total loans	$132,122,500	3,318
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.6955%	2,041
Cost of funding earning assets	2.4287%	4,579
Net interest margin	4.2668%	2,077
Noninterest income to average assets	1.1263%	1,231
Noninterest expense to average assets	3.0825%	3,771
Loan and lease loss provision to assets	0.2184%	4,703
Net operating income to assets	1.4024%	1,222
Return on assets (ROA)	0.9482%	2,656
Pretax return on assets	1.1820%	2,712
Return on Equity (ROE)	11.6570%	1,696
Retained earnings to average equity (ytd only)	8.1816%	788
Net charge-offs to loans	0.2338%	3,910
Credit loss provision to net charge-offs	137.6344%	3,870
Earnings coverage of net charge-offs (x)	12.4014%	2,248
Efficiency ratio	58.1597%	6,671
Assets per employee ($millions)	2.5793%	7,051
Cash dividends to net income (ytd only)*	29.8140%	4,113
Condition Ratios (%)
Loss allowance to loans	1.0701%	5,482
Loan loss allowance to noncurrent loans	310.8460%	1,299
Noncurrent assets plus other real estate owned to assets	0.3617%	6,151
Noncurrent loans to loans	0.3443%	6,346
Net loans and leases to total assets	70.3599%	3,934
Net loans and leases to deposits	77.0483%	5,465
Net loans and leases to core deposits	89.3722%	5,857
Total domestic deposits to total assets	91.3192%	244
Equity capital to assets	7.7641%	7,139
Core capital (leverage) ratio	6.7008%	7,859
Tier 1 risk-based capital ratio	9.3498%	7,460
Total risk-based capital ratio	10.4083%	7,624
Memoranda:
Average total assets	$175,801,000	3,464
Average earning assets	$161,691,800	3,443
Average equity	$14,300,400	4,269
Average total loans	$119,349,400	3,476